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Latar Belakang
Background
Optimis Menghadapi Tantangan,
Menciptakan Pertumbuhan
Optimistic Amidst Challenges
To Achieve Growth
Di tengah dinamika industri perbankan dan kondisi Amidst the evolving dynamics of the banking industry and
ekonomi yang terus berkembang, PT Bank Pembangunan economic landscape, PT Bank Pembangunan Daerah
Daerah Banten (Perseroda) Tbk atau “Bank Banten” terus Banten (Perseroda) Tbk (“Bank Banten”) remains steadfast
membuktikan komitmennya untuk terus melesat dan in its commitment to growing and moving forward. With
melangkah maju. Dengan semangat optimisme, Bank the spirit of optimism, Bank Banten is able to maintain
Banten mampu menjaga pertumbuhan yang berkelanjutan, sustainable growth, deliver added value to stakeholders,
memberikan nilai tambah bagi pemangku kepentingan, and support the strengthening of both the regional and
serta mendukung penguatan perekonomian daerah dan national economies.
nasional.
Kinerja dan Tata Kelola PT Bank Pembangunan Daerah Bank Banten’s performance and governance continued
Banten (Perseroda) Tbk atau “Bank Banten” terus to demonstrate positive performance. Its financial
menunjukkan tren positif. Kinerja Keuangan dari sisi Total performance, including Total Assets, Loans, Third Party
Aset, Kredit Yang Diberikan, Dana Pihak Ketiga, Rasio Funds, Capital Adequacy Ratio (CAR), and Net Profit, has
Kewajiban Penyediaan Modal Minimum (KPMM) serta consistently maintained a positive trend. Throughout 2025,
Laba bersih terus dijaga pada angka dan tren yang positif. Bank Banten did not experience any liquidity issues.
Selama periode tahun 2025, Bank Banten pun tidak pernah
mengalami permasalahan likuiditas.
Laporan Tahunan & Laporan Keberlanjutan 2025
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Latar Belakang
Background
Selain kinerja positif dari sisi Bisnis, Bank Banten pun terus In addition to this positive financial performance, Bank
memperkuat aspek Tata Kelola. Setelah menyelesaikan Banten has further strengthened its good corporate
dengan baik seluruh tahapan teknis di bulan November governance. Following the successful completion of all
2025, Otoritas Jasa Keuangan (OJK) sebagai regulator technical requirements in November 2025, the Financial
perbankan mendukung penuh seluruh proses Kelompok Services Authority (OJK), as the banking regulator,
Usaha Bank (KUB) antara Bank Banten dengan PT Bank concluded the Bank Business Group (KUB) process
Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) between Bank Banten and PT Bank Pembangunan Daerah
dengan menerbitkan Surat Penegasan Persetujuan Efektif Jawa Timur Tbk (Bank Jatim) by the issuance of a Letter
Struktur KUB pada tanggal 15 Desember 2025. Hal ini of Confirmation of Effective Approval of the KUB Structure
selaras dengan amanat Peraturan Otoritas Jasa Keuangan on December 15, 2025. This is in line with the mandate of
(POJK) No. 12/POJK.03/2020 Tentang Konsolidasi Bank the Financial Services Authority Regulation (POJK) No. 12/
Umum. POJK.03/2020 concerning Commercial Bank Consolidation.
Sejalan dengan tantangan yang ada di sepanjang tahun In line with the challenges of 2025, Bank Banten continues
2025, Bank Banten senantiasa memperkokoh kapabilitasnya to strengthen its capabilities by strengthening governance,
melalui penguatan tata kelola, pengembangan sumber developing human resources, optimizing information
daya manusia, pengoptimalan teknologi informasi, serta technology, and accelerating digital transformation to
mendorong transformasi digital untuk memperluas layanan. broaden its service reach. Strategic initiatives, such as
Inisiatif strategis seperti mobile banking dan optimalisasi the development of mobile banking and the optimization
jaringan 20 Kantor Cabang, 18 Kantor Cabang Pembantu, of a network comprising 20 branch offices, 18 sub-branch
dan 122 ATM menjadi fokus utama Bank Banten. Bank offices, and 122 ATMs, remain to be Bank Banten’s primary
Banten meyakini, strategi yang dijalankan dapat membawa focus. Bank Banten believes that these strategies will
Perusahaan memiliki daya saing, sehingga siap menghadapi encourage the Company’s competitiveness, enabling it to
tantangan dan menciptakan pertumbuhan gemilang. navigate challenges and achieve remarkable growth.
Pencapaian yang telah diraih, merupakan tonggak penting These accomplishments mark a significant milestone
dalam penguatan fundamental Bank Banten, sebagai in solidifying Bank Banten’s position as the Regional
Bank Pembangunan Daerah Provinsi Banten. Tingkat Development Bank of Banten Province. Stakeholder
kepercayaan Stakeholder meningkat tajam, yang dipicu confidence has increased substantially, fueled by the
oleh semakin cemerlangnya Kinerja Keuangan Bank Bank’s impressive financial performance. Bank Banten is a
Banten. Bank Banten adalah ciri dan identitas yang terus characteristic and identity that remains inextricably linked to
melekat dan tidak dapat dipisahkan dari denyut nadi seluruh the pulse of the entire Banten community.
masyarakat Banten.
Partisipasi aktif dari seluruh komponen masyarakat dan The active participation of the entire Banten community and
Pemerintah Daerah se-Provinsi Banten untuk menggunakan Regional Government in utilizing Bank Banten’s products
seluruh produk dan jasa layanan Bank Banten akan and services will help maximize regional revenue and
memaksimalkan pendapatan daerah dan meningkatkan improve community welfare, and support Bank Banten’s
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
kesejahteraan masyarakat serta mendukung target Bank target of being among the Top 5 (five) Regional Development
Banten menjadi 5 (lima) Besar Bank Pembangunan Daerah Banks in Indonesia in the near future.
Terbaik di seluruh Indonesia dalam waktu dekat.
Kalau bukan kita, siapa lagi. Kalau bukan sekarang, If not us, then who? If not now, then when? Bank Banten
kapan lagi. Bank Banten siap MELESAT untuk menjadi is ready to SOAR and become the very best.
yang terbaik.
2025 Annual Report & Sustainability Report 1
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Peresmian Kantor Pusat "GRHA BANK BANTEN" Inauguration of the "Grha Bank Banten" Head Office Gedung Kantor Pusat “Grha Bank Banten” yang berlokasi di Jl. Veteran No. 04, Cipare Kota Serang, diresmikan oleh Bapak Gubernur Banten pada tanggal 29 Juli 2025 atau bertepatan dengan HUT ke-9 Bank Banten. Selain sebagai simbol dukungan dan kemandirian, Kantor Pusat Bank Banten juga merupakan manifestasi dari Identitas, semangat peningkatan Produktivitas untuk menciptakan hasil karya dengan kinerja Berkualitas. The Head Office Building ”Grha Bank Banten,” located at Jl. Veteran No. 04, Cipare, Serang City, was inaugurated by the Governor of Banten on July 29, 2025, coinciding with Bank Banten’s 9th Anniversary. In addition to serving as a symbol of support and independence, the Head Office of Bank Banten also represents a manifestation of identity and the spirit of enhanced productivity in delivering quality performance and achievements. 2 Laporan Tahunan & Laporan Keberlanjutan 2025
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PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
3 2025 Annual Report & Sustainability Report
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Daftar Isi
Table of Contents
1 Latar Belakang 66 Visi, Misi, dan Nilai Perusahaan
Background Vision, Mission & Corporate Value
2 Peresmian Kantor Pusat "Grha Bank Banten" 68 Makna Logo
Inauguration of the Logo’s Meaning
“Grha Bank Banten” Head Office 69 Bidang Usaha
4 Daftar Isi Line of Business
Table of Contents 72 Produk dan Layanan
Products and Services
74 Wilayah Operasional
01 Operational Areas
KILAS KINERJA 76 Struktur Organisasi
Performance Flashback Organization Structure
78 Profil Dewan Komisaris
10 Ikhtisar Keuangan
Board of Commissioners Profile
Financial Highlights
81 Profil Direksi
11 Grafik Ikhtisar Keuangan
Board of Directors Profile
Chart of Financial Highlights
85 Pejabat Eksekutif
12 Ikhtisar Saham
Executive Officers
Share Highlights
92 Daftar Keanggotaan Asosiasi
14 Aksi Korporasi
Association Memberships
Corporate Actions
92 Demografi Karyawan
15 Tidak Ada Penghentian Sementara Perdagangan
Employee Demography
Saham dan/atau Penghapusan Pencatatan Saham
94 Komposisi Pemegang Saham
There were no suspension and/or delisting of shares
Shareholders Composition
16 Peristiwa Penting
96 Struktur Hubungan Kepemilikan Saham Perseroan
Significant Events
Shareholding Structure of the Company
20 Sambutan Gubernur
96 Kronologi Penerbitan Saham
Governor’s Remarks
Share Listing Chronology
22 Sertifikasi dan Penghargaan
99 Kronologi Pencatatan Efek Lainnya
Awards and Certifications
Chronology of Other Securities Listing
99 Akuntan Publik
02 Public Accountant
LAPORAN MANAJEMEN 99 Lembaga dan/atau Profesi Penunjang Modal Lainnya
Management Report Capital Market Supporting Institutions and/or
Professionals
28 Laporan Dewan Komisaris 100 Alamat Kantor dan/atau Kantor Cabang Atau Kantor
Board of Commissioners Report Perwakilan
38 Laporan Direksi Addresses of the Office and/or Branch Offices or
Board of Directors Report Representative Offices
108 Informasi Website Perseroan
03 Company Website Information
PROFIL PERUSAHAAN
Company Profile 04
TINJAUAN UNIT PENDUKUNG BISNIS
62 Informasi Umum Perusahaan
Overview on Business Supports
Company General Information
63 Riwayat Singkat Perusahaan 112 Sumber Daya Manusia
Brief History of the Company Human Capital
64 Jejak Langkah 132 Teknologi Informasi
Milestones Information Technology
4 Laporan Tahunan & Laporan Keberlanjutan 2025
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Daftar Isi
Table of Contents
176 Aset
05 Assets
ANALISIS DAN 179 Liabilitas
PEMBAHASAN MANAJEMEN Liabilities
Management Discussion and Analysis 181 Ekuitas
Equity
142 Tinjauan Makro Ekonomi 182 Laporan Laba Rugi Dan Penghasilan Komprehensif
Macroeconomic Overview Lain
142 Ekonomi Global Statement Of Profit Or Loss And Other
Global Economy Comprehensive Income
143 Pertumbuhan Ekonomi Dunia Dan Kawasan 184 Laporan Arus Kas
World And Regional Economic Growth Statement Of Cash Flows
144 Tinjauan Ekonomi Nasional 185 Kemampuan Membayar Utang Dan Tingkat
National Economic Overview Kolektibilitas
144 Produk Dosmetik Bruto Solvency And Collectability Level
Gross Domestic Product 187 Struktur Modal
144 Pertumbuhan Ekonomi Nasional 2021-2025 Capital Structure
National Economic Growth in 2021-2025 188 Ikatan Material Untuk Investasi Barang Modal
145 Indikator Perekonomian Nasional Material Commitments For Capital Goods Investment
National Economic Indicators 188 Investasi Barang Modal
146 Laju Inflasi Tahun 2023-2025 Capital Goods Investment
Inflation Rate For 2023-2025 189 Transaksi Pihak Berelasi
147 Nilai Tukar Mata Uang Related Party Transactions
Currency Exchange Rates 191 Informasi Material Mengenai Investasi, Ekspansi,
147 Tinjauan Perekonomian Provinsi Banten Divestasi, Penggabungan/Peleburan Usaha, Akuisisi,
Economic Review of Banten Province Dan Restrukturisasi Utang/ Modal
149 Tinjauan Industri Perbankan Material Information On Investment, Expansion,
Banking Industry Overview Divestment, Merger Consolidation, Acquisition, And
150 Aspek Pemasaran Dan Pangsa Pasar Debt/Capital Restructuring
Marketing And Market Share Aspects 191 Perubahan Ketentuan Peraturan Perundang-
160 Strategi Dan Prospek Bisnis Tahun 2026 Undangan Yang Berpengaruh Signifikan Terhadap
2026 Business Strategy and Outlook Perusahaan
163 Tinjauan Operasional Per Segmen Bisnis Changes In Provisions Of Laws And Regulations
Operational Overview Per Business Segment That Have A Significant Impact On The Company
163 Dana 193 Perubahan Kebijakan Akuntansi
Funds Changes In Accounting Policies
166 Treasury 193 Peristiwa Setelah Periode Pelaporan
Treasury Subsequent Events
168 Kredit UMKM 194 Target & Realisasi Tahun 2025 Serta Proyeksi Tahun
MSME Loans 2026
170 Kredit Komersial 2025 Targets & Realizations And Projections For
Commercial Loans 2026
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
172 Kredit Konsumer 194 Dividen Dan Kebijakan Dividen
Consumer Loans Dividends And Dividend Policy
175 Tinjauan Kinerja Keuangan 196 Kontribusi Terhadap Negara
Financial Performance Overview Contribution To The Country
176 Laporan Posisi Keuangan 196 Program Kepemilikan Saham Oleh Karyawan
Statements Of Financial Position Employee Stock Ownership Program
197 Penggunaan Dana Hasil Penawaran Umum
Use Of Proceeds From Public Offering
2025 Annual Report & Sustainability Report 5
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Daftar Isi
Table of Contents
275 Komite Pemantau Risiko
05 Risk Monitoring Committee
TATA KELOLA PERUSAHAAN YANG BAIK 283 Komite Direksi
Good Corporate Governance Board Of Directors Committee
283 Komite Asset Dan Kewajiban
200 Komitmen Penerapan Tata Kelola Perusahaan Asset And Liability Management Committee (ALCO)
Commitment To Good Corporate Governance 288 Komite Manajemen Risiko
Implementation Risk Management Committee
202 Pedoman Penerapan Tata Kelola Perusahaan 294 Komite Pengarah Sistem Teknologi Informasi
Guidelines For Good Corporate Governance Information Technology Steering Committee
Implementation 302 Komite Kebijakan Perkreditan
203 Prinsip-Prinsip Tata Kelola Credit Policy Committee
Principles Of Corporate Governance 307 Komite Human Capital
204 Struktur Tata Kelola Human Capital Committee
Good Corporate Governance Structure 309 Sekretaris Perusahaan
207 Penilaian Tata Kelola Perusahaan Corporate Secretary
Good Corporate Governance Assessment 335 Satuan Kerja Audit Internal
211 Rapat Umum Pemegang Saham (RUPS) Internal Audit Work Unit
General Meeting Of Shareholders (GMS) 340 Auditor Eksternal
212 Pemegang Saham External Auditor
Shareholders 341 Sistem Pengendali Internal
213 RUPS Tahunan (RUPST) Internal Control System
Annual General Meeting Of Shareholders (AGMS) 343 Kesesuaian Dengan Kerangka Kerja COSO
217 RUPS Luar Biasa (RUPS LB) Compliance With The COSO Framework
Extraordinary General Meeting Of Shareholders 346 Fungsi Kepatuhan
(EGMS) Compliance Division
228 Dewan Komisaris 352 Fungsi Anti Pencucian Uang, Pencegahan
Board Of Commissioners Pendanaan Terorisme (APU-PPT) Dan Pencegahan
239 Komisaris Independen Pendanaan Proliferasi Senjata Pemusnah Massal
Independent Commissioner (PPP-SPM)
240 Direksi Anti-Money Laundering, Prevention Of Terrorism
Board Of Directors Financing (AML-CFT) And Prevention Of Financing
252 Informasi Rapat Gabungan Dewan Komisaris Dan Of Proliferation Of Weapons Of Mass Destruction
Direksi (PF-WMD) Function
Information On Joint Meetings Of The Board Of 356 Manajemen Risiko
Commissioners And Board Of Directors Risk Management
257 Informasi Hubungan Afiliasi Dewan Komisaris Dan 366 Perkara Penting
Direksi Legal Cases
Information On Affiliations Of The Board Of 367 Sanksi Administrasi
Commissioners And Board Of Directors Administrative Sanctions
258 Komite Pendukung Dewan Komisaris 367 Kode Etik
Supporting Committees To The Board Of Code Of Conduct
Commissioners 372 Pengendalian Gratifikasi Kebijakan Gratifikasi Dan
258 Komite Audit Anti Suap
Audit Committee Gratuity Control, Gratuity And Anti-Bribery Policy
267 Komite Nominasi Dan Remunerasi
Nomination And Remuneration Committee
6 Laporan Tahunan & Laporan Keberlanjutan 2025
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Daftar Isi
Table of Contents
373 Pelaporan Pelanggaran 409 Kinerja Keberlanjutan – Lingkungan
Whistleblowing System Sustainable Performance - Environment
375 Kebijakan Perlindungan Nasabah 414 Kinerja Keberlanjutan – Sosial
Customer Protection Policy Sustainable Performance – Social
377 Kebijakan Insider Trading 426 Tanggung Jawab Produk dan Pelanggan
Insider Trading Policy Product and Customer Responsibility
377 Kebijakan Pengadaan Barang Dan Jasa 430 Tanggapan Terhadap Umpan Balik Laporan
Procurement Of Goods And Services Policy Keberlanjutan Tahun Sebelumnya
377 Kebijakan Pemenuhan Hak-Hak Kreditur Response to Feedback on the Previous Year's
Creditor Rights Fulfillment Policy Sustainability Report
378 Penerapan Pedoman Tata Kelola Perusahaan 431 Lembar Umpan Balik
Implementation Of Corporate Governance Guidelines Feedback Sheet
383 Tabel Eksposur Risiko 433 Daftar Indeks Referensi POJK 51/2017
Risk Exposure Table List of POJK 51/2017 Reference Index
388 Trivia
Trivia
06
LAPORAN KEBERLANJUTAN SURAT PERNYATAAN ANGGOTA DEWAN
Sustainability Report KOMISARIS DAN DIREKSI
Statement of the Members of the Board of
392 Tentang Laporan Keberlanjutan
Commissioners and Directors
About Sustainability Report
392 Kinerja Keberlanjutan Bank
Bank Sustainable Performance
394 Ikhtisar Kinerja Keberlanjutan
Highilghts of Sustainability Performance LAPORAN KEUANGAN
398 Tabel Ikhtisar Kinerja Keberlanjutan Financial Report
Sustainability Performance Highlights
395 Komitmen dan Strategi Keberlanjutan
Sustainability Commitment and Strategy
397 Membangun Budaya Keberlanjutan
Building a Culture of Sustainability
397 Perubahan Emiten atau Bank Publik yang Bersifat
Signifikan
Significant Changes in Issuers or Public Banks
398 Tata Kelola Berkelanjutan
Sustainable Governance
401 Hubungan Dengan Pemangku Kepentingan
Stakeholder Relations
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
404 Ruang Penyempurnaan dalam Penerapan Keuangan
Berkelanjutan
Room of Improvement in Implementing Sustainable
Finance
406 Kinerja Keberlanjutan – Ekonomi
Sustainability Performance – Economy
2025 Annual Report & Sustainability Report 7
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LAPORAN TAHUNAN & KEBERLANJUTAN 20 ANNUAL REPORT & SUSTAINABILITY REPORT 25
Page 11
01 Kilas Kinerja Performance Flashback PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
Page 12
Ikhtisar Keuangan
Financial Highlights
YoY (%)
Uraian / Description 2025 2024 2023 2022 2021
2025
Data Keuangan / Financial Date
Neraca / Balance Sheet
Total Aset / Total Assets 10.001.448 7.551.114 6.800.821 7.223.058 8.849.611 32,49%
Kredit yang diberikan – Kotor / Total Loans-Gross 5.069.373 3.851.281 3.700.111 3.698.388 3.084.003 31,63%
Total Liabilitas / Total Liabilities 8.101.291 5.847.417 5.131.757 5.581.282 6.958.464 38,60%
Dana Pihak Ketiga / Third Pary Funds 6.420.315 4.855.841 3.738.315 4.165.021 4.639.454 32,22%
Total Ekuitas / Total Equity 1.900.157 1.703.697 1.669.064 1.641.776 1.891.147 11,53%
Jumlah Investasi pada Entitas Lain / Total - - - - - -
Investment in Other Entities
Laba Rugi / Profit or Loss
Pendapatan Bunga / Interest Income 570.495 491.804 449.941 454.938 308.590 16,02%
Beban Bunga / Interest Expense (371.804) (302.443) (246.946) (288.940) (241.571) 22,93%
Pendapatan Bunga Bersih / Net Interest Income 198.691 189.361 205.814 156.303 58.868 4,98%
Pendapatan Operasional Lainnya / Other 314.878 515.953 78.743 91.278 41.846 (38,93%)
Operating Income
Beban Operasional Lainnya / Other Operating 454.043 609.161 252.639 562.844 313.276 (25,46%)
Expenses
Laba Operasional / Operating Profit 59.526 96.153 29.099 (305.568) (204.411) (38,09%)
Laba (Rugi) Sebelum Pajak / Profit (Loss) Before 56.473 74.998 50.535 (284.640) (204.268) (24,70%)
Tax
Laba Bersih / Net Profit 52.523 39.330 26.591 (239.287) (265.176) 33,54%
Laba Komprehensif / Comprehensive Profit 51.646 32.850 27.290 (248.659) (263.917) 57,21%
Laba (Rugi) per Saham / Profit per Share (Loss) 1.01 0,76 0,51 (4,61) (5,11) 35,01%
Jumlah Saham yang Beredar / Total Outstanding 51.870,43 51.870,43 43.84,43 51.870,43 51.870,43 0,00%
Shares
Uraian / Description 2025 2024 2023 2022 2021
Rasio Keuangan / Financial Ratios
ROA 0,64 1,02 0,72 (3,46) (2,94)
ROE 3,97 3,16 2,14 (17,22) (21,56)
Kredit yang Diberikan terhadap Total Dana Pihak 76,24 79,31 98,98 88.87 66,47
Ketiga / Total Loans to Third Party Funds
KPMM-Dengan Memperhitungkan Risiko Kredit, 36,73 42,99 44,72 43,38 41,68
Risiko Operasional, dan Risiko Pasar / CAR-by
Calculating Credit RIsk, Operational Risk, and
Market Risk
Rasio Kredit Bermasalah – Gross / Gross – Non- 4,67 7,53 9,36 9,45 14,09
Performing Loans
Rasio Kredit Bermasalah – Nett / Net – Non- 1,89 1,98 1,09 1,39 4,27
Performing Loans
Marjin Pendapatan Bunga Bersih / Net Interest 2,99 3,51 4,05 2,68 1,28
Income Margin
Biaya Operasional terhadap Pendapatan 93,28 90,46 95,15 155,94 158,33
Operasional / Operating Expense to Operating
Income
Liabilitas terhadap Ekuitas / Liabilities to Equity 426,31 343,22 307,46 339,95 3.679,49
Liabilitas terhadap Jumlah Aset / Liabilities to Total 81,00 77,44 75,46 77,27 78,63
Assets
10 Laporan Tahunan & Laporan Keberlanjutan 2025
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Grafik Ikhtisar Keuangan
Chart of Financial Highlights
Kilas Kinerja ∙ Performance Flashback
Total Aset dalam juta Rupiah Dana Pihak Ketiga dalam juta Rupiah
in million rupiah in million rupiah
Total Assets Third Party Funds
10.001.448
6.420.315
8.849.611
7.551.114 4.855.841
7.223.058 4.639.454
6.800.821 4.165.021
3.738.315
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
Kredit yang diberikan dalam juta Rupiah Laba Bersih (%)
in million rupiah
Total Loans Net Profit
5.069.373
3.700.111 3.851.281
3.698.388 52.523
3.084.003
26.591 39.330
2021 2022 2023 2024 2025
(239.287)
2021 2022 2023 2024 2025 (265.176)
ROA (Return on Asset) (%) ROE (Return on Equity) (%)
Return on Asset Return on Equity
0,72 1,02 3.97
0,64 3,16
2,14
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
(2,94)
(3,46)
Biaya Operasional terhadap Pendapatan Operasional (%) (17,22)
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Operating Expense to Operating Income
(21,56)
158,33 155,94
95,15 93,28
90,46
2021 2022 2023 2024 2025
2025 Annual Report & Sustainability Report 11
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Ikhtisar Saham
Share Highlights
GRAFIK PERGERAKAN HARGA SAHAM CHART OF SHARE PRICE MOVEMENT AND
DAN VOLUME PERDAGANGAN 2024 DAN TRANSACTION VOLUME 2024 AND 2025
2025
Pergerakan Harga dan Volume Perdagangan Tahun 2024 dan 2025 ∙ Price Movement and Transaction Volume 2024 – 2025
3.500.000.000
60
3.000.000.000
50
2.500.000.000
40
2.000.000.000
2024 2025 30
1.500.000.000
20
1.000.000.000
500.000.000 10
- -
Jan Feb Mar Apr Mei Jun Jul Agu Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agu Sep Okt Nov Des
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov De Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Volume Perdagangan / Harga Penutupan /
Transaction Volume Closing Price
12 Laporan Tahunan & Laporan Keberlanjutan 2025
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Ikhtisar Saham
Share Highlights
Kilas Kinerja ∙ Performance Flashback
PERGERAKAN HARGA SAHAM 2024 - 2025 SHARE PRICE MOVEMENT 2024 - 2025
2025
Pasar Reguler / Regular Market
Periode / Penutupan / Nilai (Rp) /
Tertinggi / Highest Terendah / Lowest Volume
Period Closing Value (Rp)
Q1 33 22 23 537.007.100 14.878.028.700
Q2 32 21 25 688.004.100 18.346.336.500
Q3 35 23 28 3.582.858.800 100.852.879.800
Q4 35 25 30 2.849.433.100 82.994.723.500
TOTAL 7.657.303.100 217.071.968.500
2024
Pasar Reguler / Regular Market
Periode / Penutupan / Nilai (Rp) /
Tertinggi / Highest Terendah / Lowest Volume
Period Closing Value (Rp)
Q1 50 34 34 72.185.800 3.326.878.100
Q2 38 19 23 2.234.609.500 57.599.794.500
Q3 27 20 23 1.487.623.400 33.985.895.500
Q4 47 22 30 2.365.854.300 80.671.954.600
TOTAL 6.160.273.000 175.584.522.700
KINERJA PERGERAKAN SAHAM BANK BANTEN BANK BANTEN SHARE PERFORMANCE IN 2025 –
TAHUN 2025 – 2024 2024
Pasar Reguler / Regular Market Jumlah Saham
Kapitalisasi
Periode / yang Tercatat /
Tertinggi Terendah / Penutupan / Frekuensi / Pasar / Market
Period Volume Nilai / Value Total Outstanding
/ Highest Lowest Closing Frequency Capitalization
Shares
2025
Januari / 33 27 27 162.197.300 5.550.030.700 4.194 51.351.733.883 1.386.496.814.841
January
Februari / 30 23 23 201.029.800 5.296.577.700 3.921 51.351.733.883 1.181.089.879.309
February
Maret / 25 22 23 173.780.000 4.031.420.300 3.004 51.351.733.883 1.181.089.879.309
March
April 30 21 29 269.072.400 6.825.239.300 4.214 51.351.733.883 1.489.200.282.607
Mei / May 29 25 25 134.923.900 3.512.599.800 3.258 51.351.733.883 1.283.793.347.075
Juni / June 32 25 25 284.007.800 8.008.497.400 4.933 51.351.733.883 1.283.793.347.075
Juli / July 26 23 24 158.797.200 3.883.277.500 3.959 51.351.733.883 1.232.441.613.192
Agustus / 35 23 31 491.218.700 14.088.276.100 8.141 51.351.733.883 1.591.903.750.373
August
September 34 25 28 2.932.842.900 82.881.326.200 36.636 51.351.733.883 1.437.848.548.724
Oktober / 30 25 27 1.056.804.300 29.400.429.800 22.045 51.351.733.883 1.386.496.814.841
October
November 31 26 28 747.935.900 21.502.622.500 11.153 51.351.733.883 1.437.848.548.724
Desember / 35 27 30 1.044.693.900 32.091.671.200 13.366 51.351.733.883 1.540.552.016.490
December
2024
Januari / 50 50 50 3.724.300 186.215.000 975 51.351.733.883 2.567.586.694.150
January
Februari / 50 50 50 23.270.000 1.163.500.000 1025 51.351.733.883 2.567.586.694.150
February
Maret / 50 34 34 45.191.500 1.977.163.100 1510 51.351.733.883 2.567.586.694.150
March
April 38 20 33 1.426.015.600 37.628.769.700 10556 51.351.733.883 2.567.586.694.150
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Mei / May 34 22 24 412.037.200 11.178.701.000 6099 51.351.733.883 2.567.586.694.150
Juni / June 25 19 23 396.556.700 8.792.323.800 4517 51.351.733.883 2.567.586.694.150
Juli / July 26 22 23 281.088.500 6.753.970.000 5431 51.351.733.883 2.567.586.694.150
Agustus / 25 20 23 869.221.300 18.774.170.900 6545 51.351.733.883 2.567.586.694.150
August
September 27 22 23 337.313.600 8.457.754.600 5409 51.351.733.883 2.567.586.694.150
Oktober / 47 22 47 1.286.856.500 43.109.201.100 18024 51.351.733.883 2.567.586.694.150
October
November 47 33 34 649.497.500 23.974.514.700 15.928 51.351.733.883 2.567.586.694.150
Desember / 35 29 30 429.500.300 13.588.238.800 4744 51.351.733.883 2.567.586.694.150
December
2025 Annual Report & Sustainability Report 13
Page 16
Aksi Korporasi
Corporate Action
Di bulan Desember 2025, Bank Banten berhasil
menyelesaikan proses Kelompok Usaha Bank (KUB) antara
Bank Banten dan Bank Jatim.
In December 2025, Bank Banten successfully completed the Bank
Business Group (KUB) process between Bank Banten and Bank Jatim.
Setelah menyelesaikan dengan baik seluruh tahapan teknis di Having successfully completed all technical stages in November
bulan November 2025, Otoritas Jasa Keuangan (OJK) sebagai 2025, the Financial Services Authority (OJK), as the banking
regulator perbankan menyampaikan selesainya proses regulator, announced the completion of the Bank Business
Kelompok Usaha Bank (KUB) antara Bank Banten dengan Group (Kelompok Usaha Bank/KUB) process between Bank
PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) Banten and PT Bank Pembangunan Daerah Jawa Timur Tbk
dengan menerbitkan Surat Penegasan Persetujuan Efektif (Bank Jatim) by issuing the Letter of Confirmation of Effective
Struktur KUB pada tanggal 15 Desember 2025. Dengan Approval of the KUB Structure on December 15, 2025.
demikian Bank Banten telah menuntaskan seluruh proses teknis Accordingly, Bank Banten has completed all technical and
dan administrasi serta secara resmi masuk dalam Struktur KUB administrative processes and has officially been incorporated
dengan Bank Jatim dalam rangka memenuhi ketentuan Modal into the KUB Structure with Bank Jatim, in fulfillment of the
Inti Minimum Rp3 triliun, sebagaimana diatur dalam Peraturan Minimum Core Capital requirement of Rp3 trillion, as stipulated
OJK No.12/POJK.03/2020 tentang Konsolidasi Bank Umum. under OJK Regulation No. 12/POJK.03/2020 on Commercial
Bank Consolidation.
Sinergi dalam KUB akan memberikan dampak positif The synergy within the KUB will deliver immediate and tangible
yang langsung terasa pada ketahanan permodalan dan positive impacts on capital and liquidity resilience, while
likuiditas, sekaligus meningkatkan kepercayaan pasar dan simultaneously enhancing market confidence and stakeholder
pemangku kepentingan. Melalui dukungan keberagaman trust. Through the support of the diverse range of products
produk dan layanan serta ekosistem bisnis Bank Jatim serta and services and the business ecosystem of Bank Jatim and
BPD-BPD lainnya dalam kelompok KUB akan membuka other Regional Development Banks (BPDs) within the KUB
integrasi dan kerjasama antar bank BPD untuk saling group, integration and inter-bank cooperation among BPDs will
mendukung, memperkuat dan membantu menghadirkan be established to mutually support, strengthen, and assist in
peluang pengembangan produk dan aktivitas baru, termasuk presenting opportunities for the development of new products
optimalisasi layanan transaksi, pengembangan pembiayaan and activities. These include the optimization of transaction
kepada sektor unggulan Pemerintah Daerah, pengembangan services, the development of financing for priority sectors of
infrastruktur produk digital yang dapat dimanfaatkan untuk Regional Governments, the development of digital product
kepentingan Pemerintah Daerah dan instansi terkait, yang infrastructure that can be utilized for the benefit of Regional
secara keseluruhan mendorong penambahan keberagaman Governments and related agencies, all of which collectively
produk yang akan ditawarkan, pengembangan produk dan drive the expansion of product diversity to be offered, the
layanan yang lebih baik, peningkatan kinerja Bank di masa development of improved products and services, enhanced
mendatang, penawaran kualitas layanan dan standardisasi Bank performance in the years ahead, and the delivery of
proses dengan lebih baik. higher quality services and better process standardization.
14 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 17
Tidak Ada Penghentian Sementara
Perdagangan Saham dan/atau
Kilas Kinerja ∙ Performance Flashback
Penghapusan Pencatatan Saham
There were no suspension and/or delisting of shares
Hingga 31 Desember 2025, Perseroan tidak menghadapi As of December 31, 2025, the Company did not face or be
atau tidak dikenakan sanksi berupa penghentian sementara subject to sanctions in the form of a temporary suspension of
(suspension) dalam perdagangan saham maupun penghapusan stock trading or delisting of shares.
pencatatan saham (delisting).
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 15
Page 18
Peristiwa Penting
Significant Events
18 Maret • March
Penandatanganan Perjanjian Kerja Sama (PKS) terkait
pemanfaatan produk, jasa, dan layanan perbankan dengan RSUD
Balaraja, Kabupaten Tangerang.
Signing of a Cooperation Agreement (PKS) regarding the use of
banking products and services with Balaraja Regional Hospital,
Tangerang Regency.
Kab. Tangerang / Tangerang Regency
20 Mei • May
Penandatanganan Perjanjian Kerjasama (PKS) terkait Surat
Perintah Pencairan Dana (SP2D) dalam bentuk Online
melalui Sistem Informasi Pemerintahan Daerah Republik
Indonesia (SIPD RI).
Signing of the Cooperation Agreement (PKS) regarding
the Online Fund Disbursement Order (SP2D) through the
Regional Government Information System of the Republic of
Indonesia (SIPD RI)
Jakarta / Jakarta
29 Juli • July
Perayaan HUT ke-9 sekaligus Peresmian
Gedung Kantor Pusat “Grha Bank Banten”.
Celebration of the 9th Anniversary and
Inauguration of the "Grha Bank Banten"
Head Office Building.
Serang / Serang
16 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 19
Peristiwa Penting
Significant Events
Kilas Kinerja ∙ Performance Flashback
11 Agustus • August
Penandatanganan Perjanjian Kerjasama (PKS) dengan
Pemerintah Kabupaten Pandeglang terkait penyaluran gaji
bagi Pegawai Pemerintah PPPK .
Signing of a Cooperation Agreement (PKS) with the
Pandeglang Regency Government regarding salary
distribution for PPPK Government Employees.
Pandeglang / Pandeglang
15 September • September
Penandatanganan Perjanjian Kerjasama (PKS) dengan Pemerintah
Kabupaten Serang terkait layanan pembayaran gaji dan tunjangan
Pegawai Pemerintah dengan Perjanjian Kerja (PPPK).
Signing of a Cooperation Agreement (PKS) with the Serang
Regency Government regarding salary and allowance payments
for Government Employees with Employment Contracts (PPPK).
Serang / Serang
13 Oktober • October
Penandatanganan Nota Kesepahaman (PKS/MoU) dengan
Universitas Sultan Ageng Tirtayasa (UNTIRTA).
Signing of a Memorandum of Understanding (MoU) with
Sultan Ageng Tirtayasa University (UNTIRTA).
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Serang / Serang
2025 Annual Report & Sustainability Report 17
Page 20
Peristiwa Penting
Significant Events
16 Oktober • October
Penandatanganan Perjanjian Kerjasama PKS dengan
PT Agrobisnis Banten Mandiri (Perseroda).
Signing of the Cooperation Agreement between PKS and
PT Agrobisnis Banten Mandiri (Perseroda).
Serang / Serang
31 Oktober - 01 November
October, 31- November, 01
Kolaborasi Edukasi-Literasi Keuangan dengan OJK “FinExpo”.
Financial Education and Literacy Collaboration with the
Financial Services Authority (OJK) "FinExpo".
Cilegon / Cilegon
30 November • November
MoU dengan PWI Provinsi Banten.
MoU with the Banten Province PWI.
Serang / Serang
8 Desember • December
Penyerahan Bantuan kepada Korban Bencana Sumatera.
Distribution of Aid to Sumatera Disaster Victims.
Serang / Serang
18 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 21
Peristiwa Penting
Significant Events
Kilas Kinerja ∙ Performance Flashback
18 Desember • December
PKS dengan Pemprov Banten, Kabupaten Lebak, dan Kota
Serang terkait Pengelolaan RKUD.
PKS with the Banten Provincial Government, Lebak Regency,
and Serang City regarding the Management of the RKUD.
Serang / Serang
24 Desember • December
enandatanganan Perjanjian Kerjasama (PKS) dengan Pemerintah
Kabupaten Pandeglang tentang Pengelolaan RKUD di Bank
Banten.
Signing of a Cooperation Agreement (PKS) with the Pandeglang
Regency regarding the Management of RKUD at Bank Banten.
Pandeglang / Pandeglang
31 Desember • December
PKS dengan RSUD Pakuhaji Kabupaten Tangerang tentang
pemanfaatan produk, jasa, dan layanan perbankan.
PKS and Pakuhaji Regional Hospital, Tangerang Regency,
regarding the utilization of banking products, services, and
services.
Serang / Serang
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 19
Page 22
Sambutan Gubernur Governor's Remarks 20 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 23
Sambutan Gubernur
Governor's Remarks
Kilas Kinerja ∙ Performance Flashback
Bank Banten harus menjadi Regional Champion yang
ada di hati seluruh masyarakat. Sebuah Bank yang
tidak hanya melayani, tapi juga membangun. Kalau
Bank Banten kuat, maka pertumbuhan ekonomi
Banten akan semakin besar. Bank Banten tidak hanya
sebagai simbol daerah, tetapi juga instrumen strategis
dalam membangun pertumbuhan ekonomi yang
berkesinambungan, adil, dan berkualitas.
Bank Banten must become a regional champion that holds a
place in the hearts of all members of society. A Bank that does
not merely serve, but also builds. If Bank Banten is strong, the
economic growth of Banten will be all the greater. Bank Banten
is not only a symbol of the region, but also a strategic instrument
in building economic growth that is sustainable, equitable, and
of high quality.
Andra Soni, S.M., M.AP
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Gubernur Banten
Governor of Banten
2025 Annual Report & Sustainability Report 21
Page 24
Sertifikasi dan Penghargaan
Awards and Certifications
Ekbispar Award 2025 Kategori Inovasi Layanan Digital. Best Business Transformation Achievement 2025 dari
2025 Ekbispar Award for the Digital Service Innovation Tangerang Pos.
Category. Best Business Transformation Achievement 2025 from
Tangerang Pos.
1
Certificate
of Recognition
2 PT. BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) TBK
PENGHARGAAN
THE BEST MOBILE BANKING CONVENTIONAL BANK KBMI 1 - ASSET <IDR 10
TRILLION
DENGAN BANGGA DIBERIKAN KEPADA
Certificate SHANGRI-LA HOTEL JAKARTA PT. BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
of Recognition
THURSDAY, 20 MARCH 2025
(BANK BANTEN)
EKO B. SUPRIYANTO
CHAIRMAN INFOBANK MEDIA GROUP
RUSS HORELL
CHIEF REVENUE OFFICER ASIA PACIFIC
TERIMA KASIH
ISENTIA ATAS DUKUNGANNYA DALAM KEGIATAN
PT. BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) TBK ANUGERAH CORPORATE SOCIAL RESPONSIBILITY
THE 3RD BEST CONVENTIONAL BANK KBMI 1 - ASSET <IDR 10 TRILLION
SHANGRI-LA HOTEL JAKARTA
THURSDAY, 20 MARCH 2025
Mashudi, SH
Direktur Utama Radar Banten
EKO B. SUPRIYANTO RUSS HORELL
CHAIRMAN INFOBANK MEDIA GROUP CHIEF REVENUE OFFICER ASIA PACIFIC
ISENTIA
Infobank kategori: / Infobank, for the category: Penghargaan dari Radar Banten dalam Kegiatan Radar
1. The Best Mobile Banking Bank Umum Konvensional 2025 Banten Awards “Anugerah Corporate Social Responsibility
– KBMI 1. / The Best Mobile Banking for Conventional Tahun 2025”.
Commercial Banks 2025 – KBMI 1. Award from Radar Banten in the Radar Banten Awards
2. 3 Best Bank Umum Konvensional 2025 – KBMI 1. /
rd
Event: "2025 Corporate Social Responsibility Award"
3rd Best Conventional Commercial Bank 2025 – KBMI 1.
22 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 25
Sertifikasi dan Penghargaan
Awards and Certifications
Kilas Kinerja ∙ Performance Flashback
BPD Paling Inovatif Tahun 2025 dari Media Kabar Banten. Penghargaan Pendorong Keterbukaan Informasi Publik
Most Innovative Regional Development Bank (BPD) in 2025 dari Komisi Informasi Provinsi Banten.
from Banten News Media. Award for Driving Public Information Disclosure from the
Banten Provincial Information Commission.
Jasa Keuangan Perbankan - Bank Daerah terpopuler 2025 Perusahaan BUMD Terbaik dalam Bidang Pemberdayaan
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
dari Disway Award 2025. Masyarakat dan Pembangunan Ekonomi Daerah dari
Banking Financial Services - Most Popular Regional Bank Forum Pimpinan Redaksi Multimedia Indonesia.
2025 from Disway Award 2025. Best BUMD Company in the Field of Community
Empowerment and Regional Economic Development from
the Multimedia Indonesia Editor-in-Chief Forum.
2025 Annual Report & Sustainability Report 23
Page 26
LAPORAN TAHUNAN & KEBERLANJUTAN 20 ANNUAL REPORT & SUSTAINABILITY REPORT 25
Page 27
02
Laporan
Manajemen
Management Report
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
Page 28
3 1 2
Dr. RINA DEWIYANTI SE, M.SI Brigjen. Pol. (Purn.) DEDEN RIKI HAYATUL FIRMAN
Prof. Dr. HOIRUDDIN HASIBUAN, S.H., M.Hum.
Komisaris Komisaris Utama Independen Komisaris Independen
Commissioner Independent President Commissioner Independent Commissioner
26 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 29
Laporan Manajemen ∙ Management Report
7 5 4 6
EKO VIRGIANTO BAMBANG WIDYATMOKO MUHAMMAD BUSTHAMI RODI JUDO DAHONO
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Direktur Kepatuhan Direktur Bisnis Direktur Utama Direktur Operasional
Compliance Director Director of Business President Director Director of Operations
2025 Annual Report & Sustainability Report 27
Page 30
Board of Commissioners Report
Brigjen. Pol.
(Purn.)
Prof. Dr. Hoiruddin
Hasibuan, S.H.,
M.Hum.
Komisaris Utama Independen
Independent President
Commissioner
Di Tahun 2025 yang luar biasa ini, kami menyampaikan terima kasih kepada Bapak Gubernur Banten selaku
Pemegang Saham Pengendali, atas dukungan kepada Bank Banten dalam pengelolaan RKUD Provinsi dan
Kota/Kabupaten se-Banten, terbentuknya Kelompok Usaha Bank (KUB) dengan Bank Jatim, tersedianya
Fasilitas Gedung Kantor Pusat Baru “Grha Bank Banten” serta dukungan lainnya.
In this extraordinary year of 2025, we would like to express our gratitude to the Governor of Banten as the Controlling
Shareholder, for his support to Bank Banten in managing Regional General Cash Accounts (RKUD) of the Province and Cities/
Regencies throughout Banten, the formation of the Bank Business Group (KUB) with Bank Jatim, the availability of the New
Head Office Building Facilities “Grha Bank Banten,” and other support.
28 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 31
Laporan Dewan Komisaris
Board of Commissioners Report
Laporan Manajemen ∙ Management Report
Assalamualaikum
Warahmatullahi Wabarakatuh,
Assalamualaikum Warahmatullahi Wabarakatuh,
PARA PEMEGANG SAHAM DAN TO OUR ESTEEMED SHAREHOLDERS AND
PEMANGKU KEPENTINGAN YANG STAKEHOLDERS,
TERHORMAT,
Puji dan syukur kami panjatkan ke hadirat Allah SWT, All praise to God Almighty, for enabling Bank Banten to close
Tuhan Yang Maha Esa, di tahun 2025 Bank Banten mampu the year 2025 with a positive operational performance. Bank
menghadirkan kinerja bisnis dan operasional yang sangat Banten consistently achieved significant improvements
baik. Bank Banten senantiasa meningkatkan perbaikan across all indicators of the Bank Soundness Level (TKB)
signifikan pada seluruh aspek bisnis, operasional, dan self-assessment. These measures were undertaken to
tata kelola termasuk indikator self-assessment Tingkat realize sustainable performance for Bank Banten in the
Kesehatan Bank (TKB). Langkah tersebut dilakukan untuk years ahead.
mewujudkan kinerja keberlanjutan di masa mendatang.
Di sepanjang tahun 2025, Dewan Komisaris telah Throughout the year 2025, the Board of Commissioners
melaksanakan fungsinya untuk menjalankan pengawasan has carried out its function of overseeing the performance
terhadap kinerja yang dilakukan Direksi. Dewan Komisaris of the Board of Directors. The Board of Commissioners has
secara berkala memberikan saran dan nasihat kepada periodically provided advice and counsel to the Board of
Direksi untuk terus memberikan kontribusi positif bagi Directors to continue making positive contributions to the
pertumbuhan Bank Banten. Dewan Komisaris juga growth of Bank Banten. The Board of Commissioners has
memastikan bahwa, operasional yang dijalankan Bank also ensured that the operations of Bank Banten are in
Banten telah sesuai dan patuh terhadap regulasi yang compliance with and adherence to applicable regulations.
berlaku. Dewan Komisaris juga terus mendorong penguatan The Board of Commissioners has further continued to
implementasi tata kelola perusahaan yang baik sebagai encourage the improvement of good corporate governance
fondasi utama dalam mendukung pertumbuhan usaha yang implementation as the primary foundation in supporting
berkelanjutan. sustainable business growth.
Melalui laporan ini, izinkan Dewan Komisaris Through this report, the Board of Commissioners would
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
untuk melaporkan aktivitas yang dilakukan serta like to present its activities and to inform shareholders and
menginformasikan atas kinerja Bank Banten di sepanjang stakeholders of Bank Banten's performance throughout
tahun 2025 kepada para pemegang saham dan pemangku 2025, allowing shareholders and stakeholders to apprise of
kepentingan. Sehingga di harapkan pemegang saham dan the developments at Bank Banten for the period of January
pemangku kepentingan dapat mengetahui perkembangan 1 through December 31, 2025.
Bank Banten pada periode 1 Januari hingga 31 Desember
2025.
2025 Annual Report & Sustainability Report 29
Page 32
TINJAUAN PEREKONOMIAN GLOBAL DAN GLOBAL AND NATIONAL ECONOMIC
NASIONAL OVERVIEW
Dewan Komisaris melihat bahwa kondisi perekonomian The Board of Commissioners observes that global
global masih dalam keadaan yang penuh dengan economic conditions remain fraught with uncertainty. Based
ketidakpastian. Berdasarkan data dari International on data from the International Monetary Fund (IMF), the
Monetary Fund (IMF), kondisi ekonomi global 2025 global economy in 2025 was projected to slow, with growth
diproyeksikan melambat, dengan pertumbuhan diperkirakan estimated at approximately 3.1%–3.3%. This condition is
sekitar 3,1%-3,3%. Kondisi ini disebabkan oleh adanya attributed to rising protectionism, trade fragmentation, and
peningkatan proteksionisme, fragmentasi perdagangan, policy uncertainty, particularly emanating from the United
dan ketidakpastian kebijakan, terutama dari Amerika States.
Serikat.
Namun, terjadi pertumbuhan perekonomian yang solid di Nevertheless, solid economic growth has been recorded
kawasan Asia Tenggara. Dari data IMF, ekonomi di Malaysia in the Southeast Asian region. According to IMF data, the
tumbuh sebesar 5,1%, Filipina tumbuh sebesar 5,7% dan economy of Malaysia grew by 5.1%, the Philippines by
Singapura di angka 4,8-5,0%. Sedangkan, menurut data 5.7%, and Singapore by 4.8%–5.0%. Meanwhile, according
Badan Pusat Statistik (BPS), Ekonomi Indonesia pada to data from the Statistics Indonesia (Badan Pusat Statistik/
triwulan IV-2025 terhadap triwulan IV-2024 tumbuh sebesar BPS), Indonesia's economy in the fourth quarter of 2025
5,39% (YoY). Pertumbuhan terjadi pada hampir seluruh compared to the fourth quarter of 2024 grew by 5.39% (YoY).
sektor lapangan usaha dengan pertumbuhan tertinggi di Growth was recorded across nearly all business sectors,
sektor Transportasi dan Pergudangan sebesar 8,98%, dan with the highest growth observed in the Transportation
Jasa Lainnya sebesar 8,71%. and Warehousing sector at 8.98%, and Other Services at
8.71%.
Secara spasial, pertumbuhan perekonomian Indonesia Regionally, Indonesia's economic growth was
dominan berasal dari wilayah Pulau Jawa dengan kontribusi predominantly driven by the island of Java, with 56.93%
sebesar 56,93%. Namun, pertumbuhan ekonomi secara contribution. However, economic growth was also broadly
merata juga terjadi di Pulau lainnya yaitu Pulau Sumatera distributed across other islands, with Sumatra contributing
sebesar 22,22%, Kalimantan sebesar 8,12%, Sulawesi 22.22%, Kalimantan 8.12%, Sulawesi 7.22%, Bali and Nusa
sebesar 7,22%, Bali dan Nusa Tenggara sebesar 2,82%, Tenggara 2.82%, and Maluku and Papua 2.69%.
serta Maluku dan Papua sebesar 2,69%.
Sedangkan, menurut Bank Indonesia, pertumbuhan Furthermore, according to Bank Indonesia, national
ekonomi nasional diprakirakan tumbuh dalam kisaran 4,7- economic growth is projected to fall within the range of
5,5%, dan akan meningkat menjadi 4,9-5,7% pada 2026 4.7%–5.5%, rising to 4.9%–5.7% in 2026 and further to
dan terus naik menjadi 5,1-5,9% pada 2027. Stabilitas 5.1%–5.9% in 2027. Price stability remains well-maintained,
harga tetap terjaga dengan inflasi terkendali pada kisaran with inflation projected to remain controlled within the
2,5±1% pada 2026 dan 2027. BI juga telah menetapkan range of 2.5±1% in 2026 and 2027. Bank Indonesia has
memutuskan untuk mempertahankan BI-Rate sebesar also decided to maintain the BI-Rate at 4.75%, the Deposit
4,75%, suku bunga Deposit Facility sebesar 3,75%, dan Facility rate at 3.75%, and the Lending Facility rate at 5.50%.
suku bunga Lending Facility sebesar 5,50%.
PENILAIAN ATAS KINERJA DIREKSI BOARD OF DIRECTORS PERFORMANCE
ASSESSMENT
Dewan Komisaris menilai bahwa kontribusi Direksi di tahun The Board of Commissioners is of the view that the
2025 mampu hadirkan pertumbuhan dan keberlanjutan contribution of the Board of Directors in 2025 has been
bagi Bank Banten. Dewan Komisaris melakukan penilaian instrumental in delivering growth and sustainability for
terhadap kinerja Direksi dengan menggunakan Key Bank Banten. The Board of Commissioners conducted
Performance Indicator (KPI) yang terukur, meliputi its assessment of the Board of Directors' performance
30 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 33
pelaksanaan RBB, pencapaian target keuangan, using measurable Key Performance Indicators (KPIs),
pelaksanaan keputusan RUPS, penyelesaian komitmen encompassing the implementation of the Business Plan
Laporan Manajemen ∙ Management Report
dalam action plan penyehatan Bank, pelaksanaan prinsip- (RBB), achievement of financial targets, execution of
prinsip Tata Kelola dan Kepatuhan pada rekomendasi General Meeting of Shareholders (GMS) resolutions,
yang diberikan oleh Dewan Komisaris. Direksi mampu fulfillment of commitments under the Bank's recovery
memperbaiki penilaian seluruh indikator self-assessment action plan, implementation of governance principles, and
dan menghasilkan hasil yang baik yaitu Tingkat Kesehatan adherence to recommendations issued by the Board of
Bank (TKB) menjadi Bank yang Sehat. Commissioners. The Board of Directors has successfully
improved the assessment across all self-assessment
indicators, yielding a favorable outcome whereby the Bank
Soundness Level (TKB) has been classified as a Healthy
Bank.
Di Tahun 2025, Bank Banten berhasil melanjutkan tren In 2025, Bank Banten successfully continued its positive
kinerja positif dengan mencatatkan laba bersih Rp52,52 performance trend by recording a net profit of Rp52.52
miliar. Selain itu, aset meningkat menjadi Rp10,00 triliun, billion. Furthermore, assets increased to Rp10.00 trillion, a
dengan kenaikan sebesar 32,4% dari nilai dari 2024 yang 32.4% increase from Rp7.55 trillion in 2024. The increase in
sejumlah Rp7,55 triliun. Peningkatan nilai aset disebabkan asset value was driven by an increase in current accounts
oleh meningkatnya giro pada Bank Indonesia (BI), kredit with Bank Indonesia (BI), third-party loans, and other
pihak ke tiga, dan aset lainnya. assets..
Bank Banten mencatatkan perolehan Dana Pihak Ketiga Bank Banten recorded Third-Party Funds (Dana Pihak
(DPK) di tahun 2025 sejumlah Rp6,42 triliun, meningkat Ketiga/DPK) of Rp6.42 trillion in 2025, an increase of 32.22%
sebesar 32,22% atau sebesar Rp1,56 triliun. Perolehan or Rp1.56 trillion. Third-Party Funds were comprised of
DPK berasal dari Giro sejumlah Rp723,64 miliar, tabungan current accounts amounting to Rp723.64 billion, savings
sejumlah Rp780,75 miliar dan deposito sejumlah Rp4,92 deposits of Rp780.75 billion, and time deposits of Rp4.92
triliun. Terjadi peningkatan pada giro sebesar 8,48%, trillion. Current accounts grew by 8.48%, savings deposits
tabungan sebesar 9,71% dan deposito sebesar 41,38%. by 9.71%, and time deposits by 41.38%. Bank Banten also
Kemudian Bank Banten juga perolehan simpanan bank recorded interbank deposits, which increased by 83.51%
lainnya yang meningkat sebesar 83,51% dari Rp694,03 from Rp694.03 billion in 2024 to Rp1.27 trillion in 2025.
miliar di tahun 2024 menjadi Rp1,27 triliun di tahun 2025.
Dewan Komisaris menilai bahwa, Direksi berhasil The Board of Commissioners believes that the Board of
mencatatkan kinerja baik dengan memperoleh Directors has successfully delivered strong performance
pertumbuhan bisnis Bank Banten di sepanjang tahun 2025. by achieving business growth for Bank Banten throughout
Berbagai strategi yang telah disusun dan dijalankan Direksi the year 2025. The various strategies formulated and
telah menghasilkan kontribusi positif bagi pertumbuhan implemented by the Board of Directors have yielded positive
Bank Banten. Dewan Komisaris berharap, kinerja baik contributions to the growth of Bank Banten. The Board of
ini senantiasa dijaga dan ditingkatkan untuk hadirkan Commissioners trusts that this strong performance will be
keberlanjutan bisnis Bank Banten di masa mendatang. sustained and further improved to ensure the continued
business sustainability of Bank Banten in the years ahead.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
PENGAWASAN DALAM PERUMUSAN DAN OVERSIGHT IN THE FORMULATION AND
IMPLEMENTASI STRATEGI IMPLEMENTATION OF STRATEGY
Di sepanjang tahun 2025, Dewan Komisaris telah Throughout the year 2025, the Board of Commissioners
menjalankan fungsi pengawasan terhadap kinerja Direksi. has carried out its oversight function with respect to the
Dalam perumusan dan implementasi yang dilakukan Direksi, performance of the Board of Directors. In relation to the
Dewan Komisaris memastikan agar Direksi senantiasa formulation and implementation of strategies by the Board
2025 Annual Report & Sustainability Report 31
Page 34
memberikan kontribusi yang positif bagi pertumbuhan of Directors, the Board of Commissioners has ensured
Bank Banten. Dewan Komisaris memastikan agar Direksi that the Board of Directors consistently makes positive
melakukan pemenuhan terhadap target dan pencapaian contributions to the growth of Bank Banten. The Board of
yang telah ditentukan. Commissioners has ensured that the Board of Directors
fulfills the established targets and objectives.
Lebih lanjut, Dewan Komisaris telah menjalankan fungsi Furthermore, the Board of Commissioners has exercised its
pengawasan terhadap Direksi dengan memberikan oversight function over the Board of Directors by granting
persetujuan terhadap RBB yang diajukan oleh Direksi approval of the Business Plan (RBB) submitted by the
kepada Dewan Komisaris. Dewan Komisaris berharap, Board of Directors to the Board of Commissioners. The
pengawasan yang dilakukan dalam proses perumusan Board of Commissioners trusts that the oversight exercised
strategi pertumbuhan usaha yang disusun oleh Direksi throughout the process of formulating the business growth
dapat berjalan dengan baik. strategy developed by the Board of Directors will continue
to proceed effectively.
Fungsi pengawasan dilengkapi dengan pemberian saran The oversight function is complemented by the provision
dan nasihat kepada Direksi sebagai bagian dari upaya of advice and counsel to the Board of Directors as part of
mendorong pencapaian target yang telah ditetapkan. the effort to drive the achievement of established targets.
Melalui nasihat yang diberikan, Dewan Komisaris berharap Through the advice rendered, the Board of Commissioners
Direksi mampu mencatatkan kinerja dan kontribusi yang trusts that the Board of Directors will be able to record
positif bagi pertumbuhan Bank Banten di tahun 2025. strong performance and make positive contributions to the
growth of Bank Banten in the year 2025.
FREKUENSI PEMBERIAN NASIHAT FREQUENCY OF ADVICE PROVISION TO
KEPADA DIREKSI THE BOARD OF DIRECTORS
Dewan Komisaris secara berkala juga melakukan The Board of Commissioners also holds periodic internal
pertemuan internal bersama Direksi dalam bentuk rapat. meetings with the Board of Directors in the form of joint
Di tahun 2025, Dewan Komisaris telah melaksanakan rapat meetings. In the year 2025, the Board of Commissioners
gabungan bersama Direksi dengan berbagai pembahasan convened joint meetings with the Board of Directors
penting terkait pelaksanaan strategi bisnis, pencapaian covering various important discussions pertaining to
kinerja, pengembangan SDM, dan aspek operasional the implementation of business strategies, performance
lainnya yang berkaitan dengan pengelolaan Bank Banten. achievements, human resources development, and other
Semua keputusan yang dihasilkan dalam rapat internal operational aspects related to the management of Bank
maupun rapat gabungan dengan Direksi telah dicatat dan Banten. All resolutions reached in both internal meetings
didokumentasikan secara tertib sesuai ketentuan yang and joint meetings with the Board of Directors have been
berlaku. duly recorded and documented in an orderly manner in
accordance with applicable regulations.
PANDANGAN ATAS PROSPEK USAHA OPINION ON BUSINESS OUTLOOK,
YANG DISUSUN OLEH DIREKSI AS PREPARED BY THE BOARD OF
DIRECTORS
Dewan Komisaris senantiasa memberikan arahan dan The Board of Commissioners consistently provides
masukan kepada Direksi terkait penyusunan prospek direction and input to the Board of Directors regarding
usaha Bank Banten untuk tahun mendatang. Dengan the preparation of Bank Banten's business prospects
memperhatikan dan mempertimbangkan perkembangan for the year ahead. Taking into account macroeconomic
makroekonomi dan dinamika industri perbankan, Direksi developments and the dynamics of the banking industry,
diharapkan mampu menghadirkan prospek bisnis yang the Board of Directors is expected to present a business
tumbuh dan berkelanjutan untuk tahun mendatang. Dewan outlook that reflects growth and sustainability for the coming
32 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 35
Komisaris juga menekankan agar Direksi senantiasa year. The Board of Commissioners also emphasizes that
memperhatikan mengenai keunggulan kompetitif Bank the Board of Directors must consistently attend to Bank
Laporan Manajemen ∙ Management Report
Banten, peluang pertumbuhan, dan berbagai faktor risiko Banten's competitive advantages, growth opportunities,
yang berpotensi memengaruhi prospek usaha Bank Banten. and the various risk factors that may potentially influence
Bank Banten's business prospects.
Meskipun perekonomian global masih dalam keadaan Notwithstanding the continued uncertainty in the global
yang penuh ketidakpastian, Dewan Komisaris melihat economy, the Board of Commissioners identifies favorable
peluang baik dengan keadaan kondisi perekonomian opportunities given the positive and solid economic growth
yang menunjukkan pertumbuhan positif dan solid. Kondisi conditions. These conditions are supported by household
tersebut dipengaruhi oleh konsumsi rumah tangga dan consumption and investment, which continue to serve as
investasi masih menjadi penopang pertumbuhan ekonomi the primary drivers of national economic growth. Growth
nasional. Pertumbuhan terjadi hampir di seluruh lapangan has been recorded across nearly all business sectors, with
usaha, kecuali Pertambangan dan Penggalian yang the exception of the Mining and Quarrying sector, which
terkontraksi sebesar 0,66%. contracted by 0.66%.
Bank Indonesia (BI) memproyeksikan pertumbuhan According to Bank Indonesia (BI), national economic
ekonomi nasional di tahun 2026 sebesar 4,9%-5,7%, kondisi growth in 2026 is projected at 4.9%–5.7%, representing an
ini akan mengalami peningkatan jika dibandingkan dengan improvement compared to the national economic growth
pertumbuhan perekonomian nasional tahun 2025 sebesar rate of 5.39% (YoY) in 2025. This growth projection is
5,39% (YoY). Proyeksi pertumbuhan tersebut ditopang oleh underpinned by robust domestic demand, an improving
permintaan domestik yang kuat, perbaikan prospek dunia business outlook, increased inflows of foreign investment,
usaha, meningkatnya arus masuk investasi asing, serta and the continued completion of National Strategic Projects.
kelanjutan penyelesaian Proyek Strategis Nasional.
Seiring dengan optimisme pertumbuhan ekonomi, In line with the optimism surrounding economic growth,
industri perbankan diprediksi akan mampu bertahan dan the banking industry is expected to sustain and continue
melanjutkan pertumbuhan di tahun 2026. BI memperkirakan its growth trajectory in 2026. Bank Indonesia projects that
melalui penyaluran kredit perbankan di tahun 2026, akan banking credit disbursement in 2026 will achieve double-
tumbuh double digit sekitar 8% sampai dengan 12%. BI juga digit growth of approximately 8% to 12%. Bank Indonesia
telah memutuskan untuk mempertahankan BI-Rate sebesar has also decided to maintain the BI-Rate at 4.75%, the
4,75%, suku bunga Deposit Facility sebesar 3,75%, dan Deposit Facility rate at 3.75%, and the Lending Facility
suku bunga Lending Facility sebesar 5,50%. Keputusan rate at 5.50%. This decision is consistent with the current
ini konsisten dengan fokus kebijakan saat ini pada upaya policy focus on strengthening the stabilization of the Rupiah
penguatan stabilisasi nilai tukar Rupiah di tengah tetap exchange rate amid persistently high uncertainty in global
tingginya ketidakpastian pasar keuangan global guna financial markets, in order to support the achievement of
mendukung pencapaian sasaran inflasi 2026-2027 dan the 2026–2027 inflation targets and to promote economic
mendorong pertumbuhan ekonomi. growth.
Bank Indonesia akan terus memperkuat efektivitas Bank Indonesia will continue to strengthen the effectiveness
transmisi pelonggaran kebijakan moneter dan kebijakan of the transmission of monetary policy easing and
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
makro prudensial yang telah ditempuh selama ini dengan macroprudential policies that have been implemented,
tetap mencermati ruang penurunan suku bunga BI-Rate while remaining attentive to further room for reduction in the
lebih lanjut sejalan dengan prakiraan inflasi 2026-2027 BI-Rate in line with projected 2026–2027 inflation remaining
yang terkendali dalam sasaran 2,5±1% dan upaya untuk controlled within the target of 2.5±1%, and efforts to further
turut mendorong pertumbuhan ekonomi yang lebih tinggi. promote higher economic growth.
2025 Annual Report & Sustainability Report 33
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Melihat kondisi tersebut dan prospek usaha yang telah In view of these conditions and the business prospects
disusun oleh Direksi, Dewan Komisaris melihat bahwa telah prepared by the Board of Directors, the Board of
memiliki kesiapan untuk mengoptimalkan segala peluang Commissioners is of the view that Bank Banten is well-
untuk hadirkan pertumbuhan usaha. Penguatan peran positioned to optimize all available opportunities to deliver
Bank sebagai BPD dilakukan dengan menjadikan kredit business growth. The strengthening of the Bank's role as
konsumer sebagai mesin utama penggerak bisnis. a Regional Development Bank (BPD) is being pursued
by positioning consumer credit as the primary engine of
business.
Di Tahun mendatang, Bank Banten akan memprioritaskan In the coming year, Bank Banten will prioritize 4 (four)
4 (empat) fokus strategi bisnis pada Penguatan dan business strategy focus areas: Strengthening and Quality
Pertumbuhan Bisnis Berkualitas dan Berkelanjutan; Sustainable Business Growth; Strengthening Service
Penguatan Service Excellence & Operational Excellence; Excellence & Operational Excellence; Strengthening
Penguatan Sinergi, Kolaborasi & Kemitraan Strategis; dan Synergy, Collaboration & Strategic Partnerships; and
Penguatan Human Capital yang Berintegritas, Profesional Strengthening Human Capital that is Integrity-Driven,
dan Produktif. Professional, and Productive.
Bank Banten juga terus mengembangkan layanan berbasis Bank Banten also continues to develop digital-based
digitalisasi khususnya melalui Sinergi dengan Bank Induk services, particularly through synergy with its parent bank,
KUB yaitu Bank Jatim. Dengan digitalisasi, transaksi Bank Jatim, which is part of the KUB. Digitalization makes
keuangan bukan hanya mudah dan nyaman, namun juga financial transactions not only easier and more convenient
semakin efisien. Karna dapat dilakukan kapan saja, dimana but also more efficient, allowing them to be conducted
saja dengan cepat dan praktis. quickly and conveniently anytime, anywhere.
Efektifnya KUB, membuat Bank Banten semakin siap The KUB effectiveness makes Bank Banten even more
untuk mengelola Rekening Kas Umum Daerah (RKUD) prepared to manage the Regional General Cash Account
dan akan lebih optimal melayani transaksi perbankan bagi (RKUD) and will optimize banking transactions for the public,
Masyarakat, Pemerintah Provinsi Banten, Pemerintah the Banten Provincial Government, Regency Governments,
Kabupaten dan Pemerintah Kota se-Wilayah Banten. Salah and City Governments throughout the Banten region.
satunya, Bank Banten dapat memanfaatkan Infrastruktur One way to achieve this is by leveraging Bank Jatim’s
dan teknologi yang dimiliki Bank Jatim. Sehingga pelayanan infrastructure and technology, further enhancing services to
kepada Pemerintah Daerah dan Masyarakat dapat semakin the Regional Government and the Community.
disempurnakan.
PANDANGAN ATAS PENERAPAN TATA OPINION ON GOOD CORPORATE
KELOLA GOVERNANCE IMPLEMENTATION
Dewan Komisaris memastikan agar operasional Bank The Board of Commissioners ensures that the operations
Banten dijalankan dengan sistem tata kelola perbankan of Bank Banten are conducted in accordance with a sound
yang baik dan pelaksanaannya sesuai dengan ketentuan banking governance system and that their implementation
peraturan perundang-undangan yang berlaku. Langkah is in compliance with applicable laws and regulations. This
ini dilakukan untuk menciptakan nilai tambah bagi Bank measure is undertaken to create added value for Bank
Banten dan memastikan keberlanjutan pertumbuhan di Banten and to ensure sustainable growth in the years
tahun mendatang ahead.
Melalui tata kelola yang baik, Bank Banten telah Through good corporate governance, Bank Banten has
mengimplementasikan prinsip-prinsip Good Corporate implemented the principles of Good Corporate Governance
Governance/GCG yang mencakup Keterbukaan, (GCG), encompassing Transparency, Accountability,
Akuntabilitas, Pertanggungjawaban, Independensi, dan Responsibility, Independency, and Fairness, with reference
Kewajaran dengan mengacu kepada regulasi yang berlaku to applicable banking regulations.
untuk perbankan.
34 Laporan Tahunan & Laporan Keberlanjutan 2025
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Dalam implementasinya, Bank Banten telah dilengkapi In its implementation, Bank Banten is equipped with a
dengan struktur organ tata kelola meliputi Rapat Umum governance organ structure comprising the General Meeting
Laporan Manajemen ∙ Management Report
Pemegang Saham (RUPS), Dewan Komisaris, dan Direksi. of Shareholders (GMS), the Board of Commissioners, and
Bank juga memiliki Organ Pendukung GCG di antaranya the Board of Directors. The Bank also has GCG Supporting
Sekretaris Perusahaan, Satuan Kerja Audit Internal, Organs, including the Corporate Secretary, the Internal
Satuan Kerja Manajemen Risiko, dan Komite-komite di Audit Work Unit, the Risk Management Work Unit, and the
bawah Dewan Komisaris dan Direksi. Koordinasi baik Committees under the Board of Commissioners and the
tiap-tiap organ mampu memberikan dampak positif bagi Board of Directors. Effective coordination among each of
pertumbuhan dan perkembangan usaha Bank Banten. these organs has contributed positively to the growth and
development of Bank Banten's business.
Dewan Komisaris memastikan agar tidak terdapat benturan The Board of Commissioners ensures that no conflicts of
kepentingan terhadap organ tata kelola. Seluruh anggota interest exist within the governance organs. All members of
Dewan Komisaris dan Direksi Perseroan tidak saling the Board of Commissioners and the Board of Directors of
memiliki hubungan keuangan, kepengurusan, kepemilikan the Company do not have financial, managerial, ownership,
dan hubungan keluarga sampai dengan derajat kedua or family relationships up to the second degree with fellow
dengan sesama anggota Dewan Komisaris dan Direksi members of the Board of Commissioners, the Board of
dan/atau Pemegang Saham Pengendali. Directors, and/or the Controlling Shareholders.
Bank Banten telah memiliki sistem manajemen risiko dan Bank Banten has in place a sound risk management system
pengendalian internal yang baik. Sistem tersebut telah and internal controls. This system is supported by policies
dilengkapi dengan kebijakan yang sejalan sesuai ketentuan that are aligned with applicable laws and regulations. The
peraturan perudang-undangan yang berlaku. Dewan Board of Commissioners ensures that no significant events
Komisaris memastikan bahwa tidak terdapat kejadian yang have occurred that could be detrimental to Bank Banten in
signifikan dapat merugikan Bank Banten di tahun 2025 dan the year 2025 or in the years ahead.
masa mendatang.
Dalam menjalankan fungsi pengawasan, Dewan Komisaris In carrying out its oversight function, the Board of
dibantu oleh tiga komite yaitu Komite Audit, Komite Commissioners is supported by three committees, namely
Pemantau Risiko serta Komite Nominasi dan Remunerasi. the Audit Committee, the Risk Monitoring Committee, and
Komite pendukung telah menjalankan tugas dan tanggung the Nomination and Remuneration Committee. These
jawabnya dengan baik berdasarkan pedoman yang telah supporting committees have carried out their duties
ditetapkan. and responsibilities effectively in accordance with the
established guidelines.
Dari aspek kepatuhan, Bank Banten telah memiliki From a compliance perspective, Bank Banten has
Fungsi Kepatuhan. Bank Banten berkomitmen untuk an established Compliance Function. Bank Banten is
terus membangun serta memperkuat budaya kepatuhan committed to continuously building and strengthening a
secara efektif dan menyeluruh, mulai dari manajemen culture of compliance effectively and comprehensively, from
hingga karyawan. Di tahun 2025, Fungsi Kepatuhan telah management to employees. In the year 2025, the Compliance
menjalankan tugas dan tanggung jawabnya dengan optimal Function has performed its duties and responsibilities
berdasarkan Piagam Kepatuhan (Compliance Charter), optimally in accordance with the Compliance Charter, the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Kode Etik Kepatuhan (Compliance Code of Conduct), dan Compliance Code of Conduct, and the Compliance Policies
Pedoman Kepatuhan (Compliance Policies) yang menjadi that serve as the guiding framework for the implementation
pedoman pelaksanaan Fungsi Kepatuhan. of the Compliance Function.
2025 Annual Report & Sustainability Report 35
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Bank Banten konsisten dan berkomitmen untuk senantiasa Bank Banten is consistent and committed to implementing
menerapkan tata kelola secara optimal. Komitmen tersebut governance optimally at all times. This commitment
diwujudkan melalui penilaian yang dilakukan terhadap is manifested through assessments conducted on the
pelaksanaan tata kelola di lingkungan Bank Banten. Di tahun implementation of governance within Bank Banten. In
2025, Bank Banten melaksanakan penilaian sendiri (self the year 2025, Bank Banten conducted periodic self-
assessment) secara berkala dan menghasilkan penilaian assessments, resulting in a determination that Bank Banten
bahwa Bank Banten berada di Peringkat Komposit 2 (PK2) is rated at Composite Rating 2 (PK2), with a condition
dengan kondisi yang “SEHAT”. Pencapaian ini merupakan classified as "HEALTHY." This achievement represents
pencapaian yang baik dan mencerminkan kinerja optimal a commendable outcome and reflects the optimal
yang dilakukan oleh manajemen Bank Banten dalam performance delivered by Bank Banten's management in
mengimplementasikan tata kelola dengan optimal. implementing governance to the highest standard.
Melalui pencapaian tersebut, Dewan Komisaris berharap Through this achievement, the Board of Commissioners
Bank Banten dapat terus melanjutkan kinerja positif trusts that Bank Banten will continue to sustain its
dengan tata kelola perbankan yang optimal. Hal ini akan positive performance with optimal banking governance.
berkontribusi positif bagi pertumbuhan dan keberlanjutan This will contribute positively to the growth and business
bisnis Bank Banten di masa mendatang. sustainability of Bank Banten in the years ahead.
PERUBAHAN KOMPOSISI DEWAN CHANGES IN THE COMPOSITION OF THE
KOMISARIS BOARD OF COMMISSIONERS
Di sepanjang tahun 2025, terdapat perubahan komposisi Throughout 2025, there were changes in the composition
Dewan Komisaris Bank Banten dari tahun 2024. Komposisi of the Board of Commissioners of Bank Banten. The
Dewan Komisaris Bank Banten adalah sebagai berikut: composition of the Board of Commissioners of Bank Banten
is as follows:
Tabel Komposisi Dewan Komisaris Bank Banten Table of the Composition of the Board of
Commissioners of Bank Banten
No Nama / Name Jabatan / Position
2025
1 Hoiruddin Hasibuan Komisaris Utama Independen / Independent President Commissioner
2 Deden Riki Hayatul Firman Komisaris Independen / Independent Commissioner
3 Rina Dewiyanti Komisaris / Commissioner
2024
1 Hoiruddin Hasibuan Komisaris Utama Independen / Independent President Commissioner
2 Deden Riki Hayatul Firman Komisaris Independen / Independent Commissioner
3 Usman Asshiddiqi Qohara Komisaris / Commissioner
APRESIASI APPRECIATION
Di Tahun 2025 yang luar biasa ini, kami menyampaikan In this extraordinary year of 2025, we would like to express
terima kasih kepada Bapak Gubernur Banten selaku our gratitude to the Governor of Banten as the Controlling
Pemegang Saham Pengendali, atas dukungan kepada Shareholder, for his support to Bank Banten in managing
Bank Banten dalam pengelolaan RKUD Provinsi dan Kota/ Regional General Cash Accounts (RKUD) of the Province
Kabupaten se-Banten, terbentuknya Kelompok Usaha Bank and Cities/Regencies throughout Banten, the formation
(KUB) dengan Bank Jatim, tersedianya Fasilitas Gedung of the Bank Business Group (KUB) with Bank Jatim, the
Kantor Pusat Baru “Grha Bank Banten” serta dukungan availability of the New Head Office Building Facilities ”Grha
lainnya. Sehingga Dewan Komisaris dan Direksi dapat Bank Banten,” and other support. So that the Board of
melanjutkan tren kinerja positif di Tahun ini dengan capaian Commissioners and Directors can continue the positive
bottomline yang cukup signifikan”. performance trend this year with quite significant bottom
line achievements.”
36 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 39
Melalui laporan ini, Dewan Komisaris menyampaikan Through this report, the Board of Commissioners extends
terima kasih dan apresiasi kepada seluruh insan Bank its gratitude and appreciation to all members of the Bank
Laporan Manajemen ∙ Management Report
Banten (Banteners) yang telah mampu membawa laju Banten family who have contributed to driving the growth
pertumbuhan bagi operasional Bank Banten di tahun 2025. of Bank Banten's operations throughout the year 2025.
Kinerja baik yang diberikan mampu hadirkan kontribusi The strong performance delivered has made a positive
positif bagi pertumbuhan Bank Banten. Melalui pencapaian contribution to the growth of Bank Banten. Through the
baik yang terjadi di tahun 2025, Dewan Komisaris berharap commendable achievements recorded in the year 2025,
kinerja yang lebih baik akan terus tercipta dan ditingkatkan, the Board of Commissioners trusts that even stronger
sehingga mampu membawa keberlanjutan bisnis Bank performance will continue to be created and enhanced,
Banten di masa mendatang. thereby ensuring the business sustainability of Bank Banten
in the years ahead.
Dewan Komisaris juga menyampaikan terima kasih kepada The Board of Commissioners also extends its gratitude to
para pemegang saham, Bank Jatim, Tokoh Masyarakat, the shareholders and stakeholders, as it is through their
dan pemangku kepentingan, karena atas kontribusi contributions and trust in the management that we have
dan kepercayaannya kepada manajemen, kami mampu been able to make positive contributions to the growth
memberikan kontribusi positif bagi pertumbuhan Bank of Bank Banten. We trust that the confidence placed by
Banten. Kami berharap, kepercayaan yang diberikan para shareholders and stakeholders will continue to grow.
pemegang saham dan pemangku kepentingan dapat terus
ditingkatkan.
Dewan Komisaris juga menyampaikan apresiasi kepada The Board of Commissioners also extends its appreciation
Direksi dan jajarannya, telah memberikan performa to the Board of Directors and its entire management
dan dedikasi terbaik pada Bank Banten. Kinerja baik ini team for their outstanding performance and dedication to
diharapkan dapat terus di tingkatkan, kami berharap Bank Bank Banten. This strong performance is expected to be
Banten dapat tumbuh "Melesat, Kuat, Hebat" secara continually improved, and we trust that Bank Banten will
berkelanjutan dimasa yang akan datang grow in a healthy and sustainable manner in the years
ahead.
Serang, Maret / March
2026
Atas nama Dewan Komisaris
On behalf of the Commissioners
Brigjen. Pol. (Purn.) Prof. Dr. Hoiruddin Hasibuan, S.H., M.Hum.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Komisaris Utama Independen
Independent President Commissioner
2025 Annual Report & Sustainability Report 37
Page 40
Board of Directors Report
Muhammad
Busthami
Direktur Utama
President Director
Berkat arahan dari Bapak Gubernur Banten dan dukungan dari segenap Jajaran Pemerintah Provinsi Banten
selaku Pemegang Saham Pengendali, di tahun 2025 Bank Banten berhasil membukukan Laba bersih Rp52,52
miliar, atau melonjak 33,55 persen year on year (yoy). Capaian ini melanjutkan tren Laba yang berhasil
ditorehkan pada periode sebelumnya. Yaitu Rp26,59 miliar pada akhir 2023, dan meningkat menjadi Rp39,33
miliar pada akhir 2024.
Owing to the direction of the Governor of Banten and the support of all levels of the Banten Provincial Government, as the
Controlling Shareholder, Bank Banten successfully posted a net profit of Rp52.52 billion in 2025, a 33.55 percent year-on-year
(yoy) increase. This achievement continues the profit trend achieved in the previous period, which was Rp26.59 billion at the
end of 2023, increasing to Rp39.33 billion at the end of 2024.
38 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 41
Laporan Direksi
Board of Directors Report
Laporan Manajemen ∙ Management Report
Assalamualaikum
Warahmatullahi Wabarakatuh,
Assalamualaikum Warahmatullahi Wabarakatuh,
PARA PEMEGANG SAHAM DAN TO OUR ESTEEMED SHAREHOLDERS AND
PEMANGKU KEPENTINGAN YANG STAKEHOLDERS,
TERHORMAT,
Puji syukur kami panjatkan ke hadirat Allah SWT, Tuhan All praise to the Almighty God, for allowing the Board of
Yang Maha Esa, dengan ini Direksi akan menyampaikan Directors to present Bank Banten’s performance throughout
mengenai kinerja Bank Banten di sepanjang tahun 2025. 2025.
Secara keseluruhan, Direksi beserta manajemen telah Overall, the Board of Directors and management have
menjalankan tugas dan tanggung jawab secara optimal. carried out their duties and responsibilities optimally. These
Kontribusi tersebut menghadirkan pertumbuhan positif bagi contributions have delivered positive growth for Bank
pertumbuhan bagi bisnis Bank Banten. Secara berkala, Banten's business. Bank Banten consistently reaffirms its
Bank Banten menegaskan komitmennya untuk terus commitment to continuous growth and to the sustained
bertumbuh dan terus meningkatkan kinerja Perusahaan improvement of the Company's performance.
secara berkelanjutan.
Bank Banten berhasil menutup tahun 2025 dengan Bank Banten successfully closed the year 2025 with positive
capaian kinerja yang positif dan gemilang dibanding tahun and commendable performance achievements compared to
sebelumnya. Sebagian besar indikator kinerja keuangan the preceding year. The majority of financial and operational
dan operasional menunjukkan tren peningkatan. Hal performance indicators demonstrated an upward trend.
tersebut tercermin dari pertumbuhan penyaluran kredit, This is reflected in the growth of credit disbursement,
meningkatnya kepercayaan nasabah yang ditunjukkan increased customer confidence as evidenced by the growth
dari kenaikan dana simpanan, permodalan yang semakin in deposits, a strengthening capital base, and a reduction
kuat, dan kerugian yang semakin berkurang. Pertumbuhan in losses. This performance growth is the result of business
kinerja tersebut merupakan dampak dari strategi bisnis strategies that have been implemented in a focused and
yang dijalankan secara terarah dan terukur oleh Direksi di measured manner by the Board of Directors under the
bawah pengawasan Dewan Komisaris. supervision of the Board of Commissioners.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Melalui laporan ini, para pemegang saham dan pemangku Through this report, shareholders and stakeholders may
kepentingan dapat mengetahui kinerja Bank Banten selama be apprised of Bank Banten's performance for the period
periode 1 Januari hingga 31 Desember 2025. Selain itu, of January 1 through December 31, 2025. In addition, this
dalam laporan ini juga disajikan informasi mengenai target report also presents information on targets and prospects
dan prospek yang juga diselaraskan dengan visi misi that are aligned with Bank Banten's vision and mission.
2025 Annual Report & Sustainability Report 39
Page 42
Bank Banten. Dengan demikian, Direksi berharap para Accordingly, the Board of Directors trusts that shareholders
pemegang saham dan pemangku kepentingan dapat terus and stakeholders will continue to extend their confidence
memberikan kepercayaan dan dukungan kepada Bank and support to Bank Banten in the years ahead.
Banten di tahun mendatang.
KONDISI PEREKONOMIAN DAN INDUSTRI ECONOMIC AND INDUSTRY CONDITIONS
Tahun 2025 merupakan periode yang sarat tantangan, The year 2025 was a period fraught with challenges, both
baik pada tataran global maupun domestik. Pertumbuhan at the global and domestic levels. Global economic growth
ekonomi global masih dibayangi dinamika pasar yang continued to be overshadowed by market dynamics that,
meskipun mulai mereda, tetapi menyisakan ketidakpastian. while beginning to subside, have left behind lingering
International Monetary Fund (IMF) memproyeksikan uncertainty. The International Monetary Fund (IMF)
pertumbuhan ekonomi global berkisar di angka 3% pada projected global economic growth at approximately 3% for
tahun 2025. the year 2025.
Di Tengah kondisi tersebut, perekonomian Indonesia justru Amid these conditions, Indonesia's economy demonstrated
mampu tumbuh solid. Berdasarkan data dari Badan Pusat solid growth. Based on data from the Central Statistics
Statistik (BPS), perekonomian nasional tumbuh sebesar Agency (Badan Pusat Statistik/BPS), the national economy
5,39% (YoY). Pertumbuhan terjadi pada hampir seluruh grew by 5.39% (YoY). Growth was recorded across nearly
lapangan usaha, kecuali Pertambangan dan Penggalian; all business sectors, with the exception of the Mining and
serta Pengadaan Air, Pengelolaan Sampah, Limbah dan Quarrying sector, as well as the Water Supply, Waste
Daur Ulang yang masing-masing terkontraksi sebesar Management, and Recycling sector, which contracted
1,31% dan 0,51%. Lapangan usaha yang tumbuh signifikan by 1.31% and 0.51%, respectively. The business sectors
adalah Transportasi dan Pergudangan sebesar 8,98%; that recorded significant growth were Transportation and
diikuti oleh Jasa Lainnya sebesar 8,71%. Sementara itu, Warehousing at 8.98%, followed by Other Services at
Industri Pengolahan yang memiliki peran dominan terhadap 8.71%. Meanwhile, the Processing Industry, which plays a
perekonomian Indonesia tumbuh sebesar 5,40%. dominant role in the Indonesian economy, grew by 5.40%.
11,36
9,92
8,98 8,71
8,62
7,92
6,51
6,07 5,68
5,54 5,40 5,46 5,81 5,62
5,23 4,93 5,14
4,89
4,21 3,89 3,95
3,32
0,72 1,06
-0,51
-1,31
-1,98
Industri Perdangangan, Pertanian, Konstruksi Pertambangan Pertambangan Jasa Lainnya Pengadaan Air, Lainnya
Pengolahan Reparasi Mobil Kehutanan & Construction & Penggalian & Penggalian Other Services Pengelolaan Others
Processing dan Sepeda Perikanan Mining & Mining & Sampah, Limbah
industry Motor Agricultural, Quarrying Quarrying dan Daur Ulang
Trading, Car Forestry, & Water
and Motorcycle Fisheries supply, waste
Repair management,
sewage and
recycling
Triw IV-2024 Triw III-2025 Triw IV-2025
Quar IV-2024 Quar III-2025 Quar IV-2025
Sumber: Data BPS 2025 Source: Data BPS 2025
Menurut Bank Indonesia (BI), pertumbuhan ekonomi 2025 According to Bank Indonesia (BI), economic growth in 2025
diprakirakan tumbuh dalam kisaran 4,7-5,5%, dan akan is projected to fall within the range of 4.7%–5.5%, rising to
meningkat menjadi 4,9-5,7% pada 2026 dan terus naik 4.9%–5.7% in 2026 and further to 5.1%–5.9% in 2027. Price
40 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 43
menjadi 5,1-5,9% pada 2027. Stabilitas harga tetap terjaga stability remains well-maintained, with inflation projected to
dengan inflasi terkendali pada kisaran 2,5±1% pada 2026 remain controlled within the range of 2.5±1% in 2026 and
Laporan Manajemen ∙ Management Report
dan 2027. 2027.
Lebih lanjut, BI telah menetapkan suku bunga pada Furthermore, Bank Indonesia has set interest rates for
2025 ditetapkan dalam setiap Rapat Dewan Gubernur 2025 through each Monthly Board of Governors Meeting
(RDG) Bulanan secara forward-looking dan pre-emptive (Rapat Dewan Gubernur/RDG) in a forward-looking and
untuk mengarahkan prakiraan inflasi dua tahun ke depan pre-emptive manner, aimed at keeping the inflation forecast
tetap terkendali dalam kisaran sasaran yang ditetapkan for the next two years within the target range set by the
Pemerintah yaitu 2,5±1% pada 2025 dan 2026. Government of 2.5±1% for 2025 and 2026.
Di sektor perbankan, BI telah menyalurkan insentif kepada In the banking sector, Bank Indonesia has channeled
kelompok bank Badan Usaha Milik Negara (BUMN) sebesar incentives to State-Owned Bank groups (BUMN)
Rp177,1 triliun, Bank Umum Swasta Nasional (BUSN) amounting to Rp177.1 trillion, National Private Commercial
sebesar Rp169,5 triliun, Bank Pembangunan Daerah (BPD) Banks (BUSN) amounting to Rp169.5 trillion, Regional
sebesar Rp34,6 triliun, dan Kantor Cabang Bank Asing Development Banks (BPD) amounting to Rp34.6 trillion,
(KCBA) sebesar Rp7 triliun. Secara keseluruhan, sebanyak and Foreign Bank Branch Offices (KCBA) amounting to Rp7
124 bank telah menerima insentif likuiditas KLM tersebut trillion. Overall, a total of 124 banks have received these
dalam jumlah yang besar, yaitu antara 4-5% dan lebih dari Macroprudential Liquidity Incentive (KLM) incentives in
5% dari DPK masing-masing sebanyak 58 bank dan 31 significant amounts, with 58 banks and 31 banks receiving
bank penerima. incentives in the range of 4–5% and more than 5% of their
respective Third-Party Funds, respectively.
Dari sisi intermediasi perbankan, pertumbuhan kredit From the perspective of banking intermediation, credit
tetap solid dalam mendukung pembiayaan perekonomian growth has remained solid in supporting economic financing
serta menjaga stabilitas sistem keuangan. Hingga and maintaining financial system stability. Through
Desember 2025, kredit tumbuh 9,69% (YoY). Berdasarkan December 2025, credit grew by 9.69% (YoY). Based
penggunaannya, kredit modal kerja tumbuh 4,52% (YoY), on usage, working capital credit grew by 4.52% (YoY),
kredit konsumsi 6,58% (YoY), dan kredit investasi 21,06% consumption credit by 6.58% (YoY), and investment credit
(YoY). Penyaluran kredit tersebut dipengaruhi oleh by 21.06% (YoY). Credit disbursement was influenced by
kapasitas penawaran perbankan serta permintaan kredit the supply capacity of the banking sector as well as credit
dari dunia usaha yang memenuhi kriteria kelayakan. demand from the business community meeting eligibility
criteria.
Dengan mempertimbangkan kondisi ekonomi dan dinamika Taking into account these economic conditions and industry
industri tersebut, serta berbagai tantangan yang dihadapi, dynamics, as well as the various challenges faced, Bank
Bank Banten menetapkan strategi penguatan pasar melalui Banten established a market strengthening strategy
peningkatan Dana Pihak Ketiga (DPK) dan penyaluran through the growth of Third-Party Funds (DPK) and credit
kredit. Strategi tersebut dilakukan melalui pembukaan disbursement. This strategy was implemented through the
rekening di lingkungan sekolah dengan program satu opening of accounts within school environments under
rekening satu pelajar, serta penguatan kerja sama dengan the one account one student program, as well as the
rumah sakit, sekolah dan universitas, serta pondok strengthening of cooperation with hospitals, schools and
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
pesantren di wilayah Banten. universities, and Islamic boarding schools (pesantren) in
the Banten region.
2025 Annual Report & Sustainability Report 41
Page 44
STRATEGI DAN KEBIJAKAN STRATEGIS BANK BANTEN'S STRATEGY AND
BANK BANTEN STRATEGIC POLICIES
Direksi bersama manajemen telah menyusun dan The Board of Directors and management have formulated
menetapkan strategi dan kebijakan strategis Bank Banten and established Bank Banten's strategies and strategic
di tahun 2025. Penetapan ini berdasarkan dinamika dan policies for the year 2025. These were determined based on
peluang di tahun 2025 hingga kemampuan Bank Banten the dynamics and opportunities of 2025 and Bank Banten's
dalam merespons perkembangan bisnis perbankan. capacity to respond to developments in the banking
business.
Bank Banten berfokus pada penerapan strategi yang Bank Banten focused on the implementation of the following
dilakukan di sepanjang tahun 2025 adalah sebagai berikut: strategies throughout the year 2025:
1. Penguatan permodalan 1. Capital Strengthening
Peraturan Otoritas Jasa Keuangan Nomor: 12/ Financial Services Authority Regulation Number
POJK.03/2020 Tentang Konsolidasi Bank Umum 12/POJK.03/2020 concerning Commercial Bank
mengamanatkan bahwa Modal Inti Minimum Bagi Bank Consolidation mandates that the minimum core capital
Umum adalah sebesar Rp.3.000.000.000.000,- (tiga for commercial banks is Rp3,000,000,000,000 (three
triliun rupiah) trillion rupiah).
Sesuai Surat PT Bank Pembangunan Daerah Jawa According to Letter No. 064/852/DIR/MAP/Srt from
Timur Tbk, Nomor: 064/852/DIR/MAP/Srt tanggal PT Bank Pembangunan Daerah Jawa Timur Tbk,
16 Desember 2025 perihal Penyampaian Struktur dated December 16, 2025, concerning the Submission
Kelompok Usaha Bank PT Bank Pembangunan Daerah of the Bank Business Group Structure of PT Bank
Jawa Timur Tbk dengan PT Bank Pembangunan Pembangunan Daerah Jawa Timur Tbk with PT Bank
Daerah Banten (Perseroda) Tbk dan Surat Otortitas Pembangunan Daerah Banten (Perseroda) Tbk, and
Jasa Keuangan (OJK) Nomor: S-229/KO.14/2025 Letter No. S-229/KO.14/2025 from the Financial Services
tanggal 15 Desember 2025 perihal Penegasan Struktur Authority (OJK) dated December 15, 2025, concerning
Kelompok Usaha Bank PT Bank Pembangunan Daerah the Confirmation of the Bank Business Group Structure
Jawa Timur Tbk dengan PT Bank Pembangunan of PT Bank Pembangunan Daerah Jawa Timur Tbk with
Daerah Banten (Perseroda) Tbk. PT Bank Pembangunan Daerah Banten (Perseroda)
Tbk.
Melalui KUB dengan Bank Jatim, Bank Banten telah Through the KUB with Bank Jatim, Bank Banten has
efektif memenuhi ketentuan Modal Inti Minimum Rp.3 effectively fulfilled the Minimum Core Capital requirement
Triliun yang disyaratkan oleh Regulator sehingga akan of Rp3 Trillion required by the Regulator, thus opening
terbuka jalan untuk bersinergi bisnis dalam rangka the way for business synergy in order to maximize the
memaksimalkan laba usaha perseroan dari potensi company’s business profits from the business potential
bisnis yang ada di Wilayah Banten. Efektifnya KUB, in the Banten Region. The KUB effectiveness makes
membuat Bank Banten lebih siap untuk mengelola Bank Banten better prepared to manage the Regional
Rekening Umum Kas Daerah (RKUD) dan akan lebih General Cash Accounts (RKUD) and will more optimally
optimal melayani transaksi perbankan bagi Masyarakat, serve banking transactions for the Community, the
Pemerintah Provinsi Banten, Pemerintah Kabupaten Banten Provincial Government, Regency Governments
dan Pemerintah Kota se-Wilayah Banten. and City Governments throughout the Banten Region.
2. Penguatan Tata Kelola 2. Governance Strengthening
Pengawasan aktif dari Direksi dan Dewan Komisaris Active oversight by the Board of Directors and the
atas implementasi dari langkah-langkah strategis yang Board of Commissioners over the implementation of
telah disusun termasuk komitmen atas Action Plan strategic measures that have been formulated, including
Penyehatan Bank dan Action Plan Tingkat Kesehatan commitments under the Bank Recovery Action Plan and
Bank (TKB) yang masih harus dicapai secara maksimal. the Bank Soundness Level (TKB) Action Plan that still
need to be maximally achieved;
42 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 45
Penguatan pelaksanaan komite di bawah Dewan Strengthening the implementation of committees under
Komisaris dan komite di bawah Direksi untuk the Board of Commissioners and committees under the
Laporan Manajemen ∙ Management Report
mendukung terselenggaranya pelaksanaan kegiatan Board of Directors to support the conduct of the Bank's
operasional Bank dan mekanisme pengawasan yang operational activities and to ensure adequate oversight
memadai atas kegiatan bisnis dan operasional Bank. mechanisms over the Bank's business and operational
Selain itu, terpenuhinya keanggotaan serta pedoman activities. In addition, the membership requirements as
dan tata tertib kerja komite telah ditetapkan oleh Bank. well as the guidelines and rules of procedure for the
committees have been established by the Bank;
Penguatan struktur organisasi, pemenuhan sumber Strengthening the organizational structure and ensuring
daya manusia yang memadai pada struktur organisasi adequate human resources within the established
yang telah ditetapkan guna mendukung pencapaian organizational structure to support the achievement of
sasaran bisnis Bank dan perlu didukung dengan the Bank's business objectives, which also needs to
perbaikan sistem remunerasi pegawai yang lebih be supported by improvements to a more structured
terstruktur. employee remuneration system;
Melengkapi dan menyempurnakan ketentuan internal Completing and refining internal regulations governing
atas kegiatan bisnis dan operasional termasuk ketentuan business and operational activities, including regulations
atas penetapan limit yang disusun berdasarkan Undang on the establishment of limits formulated in accordance
- Undang dan Peraturan Otoritas yang berlaku. with applicable laws and regulatory authority provisions;
3. Akselerasi pertumbuhan bisnis yang berkualitas 3. Acceleration of Quality Business Growth
(Quality Growth)
Dalam upaya optimalisasi profitabilitas dan pertumbuhan In the effort to optimize profitability and achieve quality
bisnis yang berkualitas dengan tetap berlandaskan business growth while adhering to the principles of
prinsip kehati-hatian perbankan serta memberikan banking prudence and delivering sustainable income
kontribusi pendapatan yang berkesinambungan contributions, acceleration is pursued in the areas of
(sustainability). Akselerasi dilakukan terhadap bidang Consumer, Commercial, Micro, Small, and Medium
Konsumer, bidang Komersial, Bidang Usaha Mikro, Kecil Enterprises (MSME), and Third-Party Funds (DPK)
dan Menengah (UMKM) dan Bidang Penghimpunan Mobilization.
Dana Pihak Ketiga (DPK).
4. Pengembangan Teknologi Sistem Informasi 4. Development of Information Technology Systems
(TSI) dan Penguatan Infrastruktur Keamanan, (TSI) and Strengthening of Security Infrastructure,
Optimalisasi Pendapatan dan Biaya Revenue and Cost Optimization
Bank Banten melakukan pengembangan teknologi Bank Banten is undertaking the development of
sistem informasi, penguatan infrastruktur dan information technology systems, the strengthening of
keamanan, dan pengembangan SDM & tata kelola TI. infrastructure and security, and the development of
human resources and IT governance.
5. Fokus & Strategi Bisnis Utama 5. Key Business Focus & Strategy
Langkah dan Prioritas yang dilakukan meliputi 4 (empat) The steps and priorities undertaken encompass 4 (four)
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Strategi Utama yaitu: Main Strategies, namely:
1. Penguatan dan Pertumbuhan Bisnis Berkualitas dan 1. Strengthening and Quality Sustainable Business
Berkelanjutan Growth
2. Penguatan Service Excellence & Operational 2. Strengthening Service Excellence & Operational
Excellence Excellence
3. Penguatan Sinergi, Kolaborasi dan Kemitraan 3. Strengthening Synergy, Collaboration, and Strategic
Strategis Partnerships
4. Penguatan Human Capital yang berintegritas, 4. Strengthening Human Capital that is Integrity-Driven,
Profesional dan Produktif Professional, and Productive
2025 Annual Report & Sustainability Report 43
Page 46
PERANAN DIREKSI DALAM PENYUSUNAN THE ROLE OF THE BOARD OF DIRECTORS
STRATEGI DAN KEBIJAKAN BANK IN THE FORMULATION OF THE BANK'S
STRATEGY AND POLICIES
Dalam menjalankan fungsinya, Direksi memiliki peran In carrying out its functions, the Board of Directors plays
strategis untuk merumuskan dan menyusun Rencana a strategic role in formulating and developing the Bank
Bisnis Bank (RBB) sebagai pedoman utama dalam Business Plan (RBB) as the primary guideline for conducting
menjalankan seluruh aktivitas usaha. Di tahun 2025, Direksi all business activities. In the year 2025, the Board of
telah menetapkan langkah strategis meliputi Penguatan Directors established strategic measures encompassing
Permodalan, Tata Kelola, Akselesari pertumbuhan bisnis Capital Strengthening, Governance, Acceleration of Quality
yang berkualitas (Quality Growth), Pengembangan Sumber Business Growth, Human Resources Development,
Daya Manusia dan Infrastruktur Teknologi Sistem Informasi. and Information Technology Systems Infrastructure
Development.
Strategi dan langkah strategis yang telah ditetapkan untuk The strategies and strategic measures established for
tahun buku 2025 dilakukan atas dasar pertimbangan the financial year 2025 were determined on the basis of
dinamika dan peluang bisnis hingga kemampuan Bank consideration of business dynamics and opportunities, as
Banten dalam mengoptimalkan kinerja. RBB yang telah well as Bank Banten's capacity to optimize performance.
disusun tersebut selanjutnya diajukan kepada Dewan The formulated RBB was subsequently submitted to the
Komisaris untuk mendapatkan persetujuan. Setelah Board of Commissioners for approval. Upon approval, the
disetujui, RBB kemudian diserahkan kepada Otoritas Jasa RBB was then submitted to the Financial Services Authority
Keuangan (OJK) sesuai dengan regulasi yang ditetapkan. (OJK) in accordance with the applicable regulations.
Dalam implementasinya, Direksi menyelaraskan budaya In its implementation, the Board of Directors aligns the
perusahaan TRUST (Think Different, Reliable, Universe, Company's TRUST culture (Think Different, Reliable,
Sustainable, dan Track) ke dalam rencana strategis Bank Universe, Sustainable, and Track) with Bank Banten's
Banten di tahun mendatang. Selain itu juga mengorientasikan strategic plan for the coming year. In addition, it orients
terhadap pemenuhan Key Performance Indicator (KPI) di toward the fulfillment of Key Performance Indicators (KPIs)
seluruh organ Perusahaan. Sehingga diharapkan, rencana across all organs of the Company, so that the established
yang telah ditetapkan dapat dicapai dan berdampak positif plans are expected to be achieved and to have a positive
bagi pertumbuhan bisnis Bank Banten. impact on the business growth of Bank Banten.
Direksi secara berkala melakukan pemantauan melalui The Board of Directors conducts periodic monitoring through
rapat internal maupun pertemuan koordinasi dengan internal meetings and coordination meetings with relevant
divisi terkait. Melalui koordinasi dan pertemuan tersebut, divisions. Through these coordination meetings, the Board
Direksi dapat memperoleh informasi secara menyeluruh of Directors is able to obtain comprehensive information on
terhadap perkembangan kinerja maupun tantangan yang performance developments as well as challenges faced by
dihadapi Bank Banten. Sehingga Direksi dapat melakukan Bank Banten, thereby enabling the Board of Directors to
upaya mitigasi terhadap kemungkinan risiko yang terjadi di undertake mitigation efforts against potential risks that may
sepanjang tahun 2025. arise throughout the year 2025.
PENCAPAIAN KINERJA TAHUN 2025 2025 PERFORMANCE ACHIEVEMENTS
Hingga akhir Tahun 2025, terdapat beberapa capaian As of the end of 2025, several positive achievements
positif yang menjadi Milestone penting bagi Bank Banten. became important milestones for Bank Banten. Firstly,
Pertama terkait Pengelolaan RKUD. Setelah mengelola related to the RKUD Management. After managing the
RKUD Provinsi Banten sejak awal didirikan, di Tahun 2025 RKUD of Banten Province since its inception, in 2025, Bank
Bank Banten kembali melanjutkan Pengelolaan RKUD Banten resumed the RKUD Management of Lebak Regency
Kabupaten Lebak dan Kota Serang yang telah dikelola sejak and Serang City, which has been managed since 2024. In
Tahun 2024. Selain itu, telah ditandatangani Perjanjian addition, a Cooperation Agreement on RKUD Management
44 Laporan Tahunan & Laporan Keberlanjutan 2025
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Kerjasama Pengelolaan RKUD dengan Pemerintah was signed with the Pandeglang Regency Government
Kabupaten Pandeglang pada tanggal 24 Desember 2025. on December 24, 2025. An MoU was also signed with the
Laporan Manajemen ∙ Management Report
Telah dilakukan pula Penandatanganan MoU dengan Serang Regency Government on September 15, 2025, in
Pemerintah Kabupaten Serang pada tanggal 15 September preparation for full RKUD management in the near future.
2025 sebagai persiapan pengelolaan RKUD secara penuh
dalam waktu dekat.
Berikutnya adalah keberhasilan menjaga tren Laba dan Next, Bank Banten managed to maintain its profit trend and
terus meningkat. Bank Banten berhasil mengantongi laba continued to increase. Bank Banten successfully pocketed
bersih Rp52,52 miliar, atau melonjak 33,55 persen year on a net profit of Rp52.52 billion, a 33.55 percent year-on-year
year (yoy). Capaian ini melanjutkan tren Laba yang berhasil (yoy) increase. This achievement continued the profit trend
ditorehkan pada periode sebelumnya. Yaitu Rp26,59 miliar achieved in the previous period, reaching Rp26.59 billion at
pada akhir 2023, dan meningkat menjadi Rp39,33 miliar the end of 2023, increasing to Rp39.33 billion at the end of
pada akhir 2024. Keberhasilan Bank Banten memacu 2024. Bank Banten’s success in driving profit performance
kinerja laba ditopang fungsi intermediasi yang juga tumbuh was supported by its intermediation function, which also
solid. grew solidly.
Selain Kinerja Keuangan, Bank juga turut memperkuat In addition to financial performance, the bank also
Tata Kelola dan Aspek Permodalan. Salah satunya melalui strengthened its governance and capital aspects. One
Pembentukan Kelompok Usaha Bank (KUB) dengan Bank of these efforts was through the establishment of a Bank
Jatim. KUB berkaitan erat dengan Peraturan Otoritas Jasa Business Group (KUB) with Bank Jatim. The KUB is
Keuangan Nomor: 12/POJK.03/2020 Tentang Konsolidasi closely related to Financial Services Authority Regulation
Bank Umum, dimana ketentuan ini mengamanatkan bahwa Number 12/POJK.03/2020 concerning Commercial Bank
Modal Inti Minimum Bagi Bank Umum adalah sebesar Rp3 Consolidation, which mandates a minimum core capital
Triliun. Per tanggal 15 Desember 2025 telah terbentuk of Rp3 trillion for commercial banks. As of December 15,
Struktur Kelompok Usaha Bank antara Bank Banten dengan 2025, a Bank Business Group Structure was established
PT Bank Pembangunan Daerah Jawa Timur Tbk atau Bank between Bank Banten and PT Bank Pembangunan Daerah
Jatim sebagai Bank Induk. Jawa Timur Tbk, or Bank Jatim, as the parent bank.
Melalui KUB dengan Bank Jatim ini, Bank Banten telah efektif Through this KUB with Bank Jatim, Bank Banten has
memenuhi ketentuan Modal Inti Minimum Rp.3 Triliun yang effectively met the minimum core capital requirement of
disyaratkan oleh Regulator sehingga akan terbuka jalan Rp3 trillion set by the regulator, paving the way for business
untuk bersinergi bisnis dalam rangka memaksimalkan laba synergies to maximize the company’s operating profits from
usaha perseroan dari potensi bisnis yang ada khususnya di existing business potential, particularly in the Banten region.
Wilayah Banten.
Pemerintah Provinsi Banten juga memberikan dukungan The Banten Provincial Government also provides
melalui penyertaan modal berupa aset sebagai bentuk support through equity participation in the form of assets,
komitmen penuh untuk mendukung Bank Banten sebagai demonstrating its full commitment to supporting Bank
Badan Usaha Milik Daerah (BUMD) yang memiliki tujuan Banten as a Regionally-Owned Enterprise (BUMD) aimed
mengembangkan perekonomian di wilayah Provinsi Banten. at developing the economy in the Banten Province. In
Sesuai dengan PERDA Provinsi Banten No. 04 Tahun accordance with Banten Provincial Regulation No. 04 of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025, Pemprov Banten akan melakukan penyertaan modal 2025, the Banten Provincial Government will provide equity
dalam bentuk aset berupa tanah dan / atau bangunan yang participation in the form of land and/or buildings located in
berada di 4 (empat) lokasi. four locations.
2025 Annual Report & Sustainability Report 45
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Salah satu asetnya adalah yang berlokasi di Jl Veteran No. One of its assets is located at Jl. Veteran No. 4, Cipare
4, Kelurahan Cipare, Kecamatan Serang, Kota Serang, Village, Serang District, Serang City, Banten Province, which
Provinsi Banten yang saat ini dimanfaatkan sebagai Kantor is currently used as Bank Banten’s Head Office (named
Pusat Bank Banten (Bernama Grha Bank Banten) berikut Grha Bank Banten). The other three productive assets will
ketiga aset produktif lainnya akan dimanfaatkan sebagai be used as a branch office, a Bank Banten archive storage
sebagai Kantor Cabang, Kantor Penyimpanan Arsip Bank office, and an office supporting Bank Banten’s operational
Banten dan Kantor pendukung kegiatan Operasional Bank activities. Therefore, this Inbreng (In-Branch Contribution)
Banten. Dengan demikian, rencana Inbreng ini diharapkan plan is expected to demonstrate the Banten Provincial
menjadi sebuah bentuk dukungan penuh Pemerintah Government’s full support for increasing capital in the form
Provinsi Banten untuk meningkatkan permodalan dalam of assets to support the Company’s business activities.
bentuk aset guna mendukung kegiatan usaha Perseroan.
Dalam rangka menjaga pertumbuhan kinerja keuangan To maintain sustainable financial performance growth,
yang berkelanjutan, Bank Banten menetapkan Bank Banten has established a strategy to optimize
strategi optimalisasi pendapatan dan biaya dengan revenue and costs by prioritizing the principles of efficiency,
mengedepankan prinsip efisiensi, diversifikasi, serta diversification, and synergy within the Bank Business Group
sinergi dalam Kelompok Usaha Bank (KUB) bersama Bank (KUB) with Bank Jatim. This approach is implemented
Jatim. Pendekatan ini dilakukan secara sistematis melalui systematically through expanding the interest-bearing and
perluasan basis pendapatan berbunga maupun non- non-interest-bearing income base, as well as more efficient
bunga, serta pengelolaan biaya bunga yang lebih efisien interest expense management with a focus on strengthening
dengan orientasi pada penguatan dana murah (CASA). Di CASA (Current Accounts Savings Account). In 2025, Bank
tahun 2025, Bank Banten melakukan optimalisasi terhadap Banten optimized its revenue and costs. Bank Banten’s
pendapatan dan biaya. Optimalisasi dan strategi yang optimization and strategies are as follows:
dilakukan Bank Banten sebagai berikut:
1. Penguatan Permodalan 1. Capital Strengthening
2. Pertumbuhan Bisnis 2. Business Growth
3. Perbaikan Tata Kelola 3. Governance Improvement
4. Pengembangan Sumber Daya Manusia dan Infrastruktur 4. Human Capital Development and Information
Sistem Teknologi Informasi Technology System Infrastructure
Dari aspek keuangan, Bank Banten mencatatkan posisi From a financial perspective, Bank Banten recorded a
keuangan yang baik dengan nilai total aset sejumlah strong financial position with total assets of Rp10.00 trillion.
Rp10,00 triliun. Peningkatan nilai aset disebabkan oleh The increase in asset value was driven by increased
meningkatnya perolehan pada giro di Bank Indonesia, earnings from current accounts with Bank Indonesia, third-
kredit pihak ketiga, aset tetap dan aset hak guna, aset tak party loans, fixed assets and use rights, intangible assets,
berwujud, dan aset lain-lain.Di tahun 2025, Bank Banten and other assets. In 2025, Bank Banten again successfully
pun kembali berhasil mencatatkan Laba bersih sejumlah recorded a net profit of Rp52.52 billion.
Rp52,52 miliar.
Bank Banten mencatatkan perolehan Dana Pihak Ketiga Bank Banten recorded Third-Party Funds (DPK) of Rp6.42
(DPK) di tahun 2025 sejumlah Rp6,42 triliun, meningkat trillion in 2025, an increase of 32.22% or Rp1.56 trillion. Third-
sebesar 32,22% atau sebesar Rp1,56 triliun. Perolehan Party Funds were comprised of current accounts amounting
DPK berasal dari Giro sejumlah Rp723,64 miliar, tabungan to Rp723.64 billion, savings deposits of Rp780.75 billion,
sejumlah Rp780,75 miliar dan deposito sejumlah Rp4,92 and time deposits of Rp4.92 trillion. Current accounts grew
triliun. Terjadi peningkatan pada giro sebesar 8,48%, by 8.48%, savings deposits by 9.71%, and time deposits
tabungan sebesar 9,71% dan deposito sebesar 41,38%. by 41.38%. Bank Banten also recorded interbank deposits,
Kemudian Bank Banten juga perolehan simpanan bank which increased by 83.51% from Rp694.03 billion in 2024 to
lainnya yang meningkat sebesar 83,51% dari Rp694,03 Rp1.27 trillion in 2025.
miliar di tahun 2024 menjadi Rp1,27 triliun di tahun 2025.
46 Laporan Tahunan & Laporan Keberlanjutan 2025
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Untuk meningkatkan kontribusi kepada pemangku To enhance contributions to stakeholders, Bank Banten
kepentingan, Bank Banten telah menyalurkan kredit has disbursed consumer credit to MSMEs amounting to
Laporan Manajemen ∙ Management Report
konsumen kepada UMKM sejumlah Rp144,54 miliar, kredit Rp144.54 billion, commercial credit amounting to Rp271.20
komersil sejumlah Rp271,20 miliar dan kredit konsumer billion, and Jawara consumer credit amounting to Rp3.73
jawara sejumlah Rp3,73 triliun. Secara akumulasi, total trillion. On a cumulative basis, the total consumer credit
kredit konsumer yang tela direalisasikan Bank Banten realized by Bank Banten amounted to Rp4.65 trillion, an
sejumlah Rp4,65 triliun, mengalami peningkatan sebesar increase of 43.78% or Rp1.42 trillion compared to the 2024
43,78% atau sebanyak Rp1,42 triliun jika dibandingkan figure of Rp3.24 trillion.
dengan perolehan tahun 2024 sejumlah Rp3,24 triliun.
Peningkatan kredit diikuti dengan penataan portofolio kredit The increase in credit was accompanied by the restructuring
dan penerapan manajemen risiko yang semakin baik. Hal of the credit portfolio and the implementation of improved
ini tercermin dari turunnya NPL Bank Banten di tahun 2025. risk management practices. This is reflected in the decline
NPL Gross mengalami perbaikan dari tahun 2024 7,53% of Bank Banten's NPL in 2025. Gross NPL improved from
menjadi 4,67% pada tahun 2025. Penurunan NPL gross 7.53% in 2024 to 4.67% in 2025. This reduction in gross
tersebut membuktikan bahwa Bank Banten menyalurkan NPL demonstrates that Bank Banten disburses credit
kredit sesuai dengan prinsip kehati-hatian sehingga mampu in accordance with the principles of prudence, thereby
menekan angka kredit bermasalah (Non-Performing Loan/ successfully reducing the level of non-performing loans
NPL). (NPL).
Dalam menyalurkan kredit, Bank Banten senantiasa In disbursing credit, Bank Banten consistently adheres to
mematuhi peraturan yang berlaku. Hal ini tercermin dari applicable regulations. This is evidenced by the absence of
tidak adanya pelanggaran Batas Maksimum Pemberian any violations of the Legal Lending Limit (Batas Maksimum
Kredit (BMPK) yang dilakukan oleh manajemen Bank Pemberian Kredit/BMPK) by the Bank's management
selama tahun 2025. Kepatuhan pada BMPK ini merupakan during the year 2025. Compliance with the BMPK is part of
bagian dari pelaksanaan tata kelola yang semakin baik oleh the Bank's increasingly sound governance practices.
Bank.
Dari perolehan tersebut, Direksi senantiasa meningkatkan From these achievements, the Board of Directors
profitabilitas Bank Banten agar tingkat kesehatannya consistently works to improve the profitability of Bank
semakin baik dimasa mendatang. Bank Banten terus Banten so that its soundness level continues to improve in
memperkuat struktur permodalan untuk mendukung the years ahead. Bank Banten continues to strengthen its
ekspansi bisnis. capital structure to support business expansion.
TANTANGAN YANG DIHADAPI CHALLENGES FACED AND THEIR
SOLUTIONS
Sepanjang 2025, dalam menjalankan aktivitas Bisnis Throughout 2025, the Bank faced several challenges
dan Operasionalnya, terdapat beberapa tantangan yang in carrying out its Business and Operational activities,
dihadapi oleh Bank, diantaranya: including:
1. Bank Banten Belum mengelola seluruh RKUD Kota dan 1. Bank Banten has not yet managed all City and Regency
Kabupaten di Wilayah Provinsi Banten. Hingga akhir Regional Work Plans (RKUD) in Banten Province. By
Tahun 2025 masih terdapat 5 (lima) dari 8 (delapan) the end of 2025, 5 (five) of the 8 (eight) cities/regencies
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Kota/Kabupaten yang belum menandatangani dan/atau had not yet signed and/or effectively collaborated in
efektif bekerjasama dalam pengelolaan RKUD di Bank managing RKUD at Bank Banten. Consequently, Bank
Banten. Sehingga Bank Banten belum optimal dalam Banten has not been optimally managing RKUD business
mengelola peluang Bisnis RKUD dan turunannya. opportunities and their derivatives. However, Bank
Namun, Bank Banten terus melakukan upaya-upaya Banten continues to make efforts, including coordination
termasuk koordinasi dengan pihak terkait untuk with relevant parties, to realize collaboration in RKUD
mewujudkan terjalinnya kerjasama Pengelolaan RKUD management for all cities and regencies in Banten.
untuk seluruh Kota & Kabupaten di Banten.
2025 Annual Report & Sustainability Report 47
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2. Sebagai BPD termuda, jangkauan jaringan pelayanan 2. As the youngest regional development bank (BPD),
Bank Banten masih terus membutuhkan penguatan. Bank Banten’s service network continues to require
Namun, dengan efektifnya KUB serta sinergi dengan strengthening. However, with the KUB effectiveness and
Bank Jatim, Bank Banten dapat memanfaatkan synergy with Bank Jatim, Bank Banten can leverage the
infrastruktur dan sistem Operasional yang dimiliki oleh infrastructure and operational systems of Bank Jatim,
Bank Jatim yang merupakan salah satu BPD terbesar. one of the largest BPDs.
3. Bauran Produk dan Layanan (Termasuk Digital 3. Product and Service Mix (Including Digital Banking):
Banking), Bank Banten telah memiliki produk dan Bank Banten already has a fundamentally adequate
Layanan yang secara mendasar sudah cukup memadai. product and service offering. With the KUB and synergy
Dengan adanya KUB dan Sinergi dengan Bank Jatim, with Bank Jatim, the range of banking products and
jenis produk dan Layanan perbankan serta fitur dalam services, as well as digitalization features, will become
digitalisasi akan semakin kaya dan kompetitif. even richer and more competitive.
4. Fokus pada Area Bisnis dan Operasional. Dengan 4. Focus on Business and Operational Areas. Given that
tersebarnya Kantor pelayanan Bank Banten diluar Bank Banten’s service offices are spread across regions
wilayah Banten, maka kedepannya Bank Banten akan outside of Banten, going forward Bank Banten will place
lebih memfokuskan, memprioritaskan dan memperkuat greater focus, priority, and emphasis on strengthening
Aktivitas perbankannya di Wilayah Banten. Sehingga, its banking activities within the Banten region. As a
keutamaan Bisnis dan Operasional di wilayah Banten result, the primacy of business and operational activities
akan semakin efektif dan efisien serta selaras dengan in the Banten region will be increasingly effective and
Visi, Misi dari Bank Banten sebagai Badan Usaha Milik efficient, and aligned with the Vision and Mission of
Daerah (BUMD) milik Pemerintah Provinsi Banten. Bank Banten as a Regional-Owned Enterprise (Badan
Usaha Milik Daerah/BUMD) owned by the Government
of Banten Province.
Di lain sisi, Bank Banten juga melakukan penguatan dan Furthermore, Bank Banten is strengthening and expanding
perluasan pasar dengan mengoptimalkan potensi Bisnis dari its market by optimizing the business potential of the
RKUD termasuk Kredit kepada ASN. Saat ini Bank Banten RKUDs, including loans to civil servants (ASN). Currently,
baru mengelola 1 RKUD Provinsi dan 3 Pemerintah Kota/ Bank Banten only manages 1 Provincial RKUD and 3 City/
Kabupaten. Dengan kondisi dimaksud, telah memberikan Regency Governmental RKUDs. This has had a significant
dampak yang signifikan terhadap kinerja dan pencapaian impact on the Bank’s performance and achievements. It is
Bank. Diharapkan dengan bergabungnya seluruh delapan hoped that with the integration of all eight regencies/cities in
kabupaten/kota di wilayah Provinsi Banten, Captive Market Banten Province, the captive market for local governments
Pemerintah Daerah dan ASN akan semakin besar serta and civil servants will expand and provide a strategic
menjadi peluang strategis untuk memperluas portofolio opportunity to expand consumer credit portfolios, payroll
kredit konsumer, payroll service, serta pengelolaan dana services, and third-party fund management, particularly
pihak ketiga khususnya di lingkungan instansi pemerintahan. within government agencies.
Bank Banten juga menetapkan target realisasi Bank Banten has also set a target for the management
pengelolaan terhadap lima Rekening Kas Umum Daerah of five Regional General Cash Accounts (RKUD) in
(RKUD) kabupaten/kota di Provinsi Banten yang belum regencies/cities in Banten Province that have not yet
menempatkan RKUD-nya di Bank Banten. Setelah placed their RKUDs with Bank Banten. Following Lebak
Kabupaten Lebak dan Kota Serang mempercayakan Regency and Serang City’s entrustment of RKUDs in 2024,
RKUD sejak Tahun 2024, di Tahun 2025 telah bertambah another regional government will entrust RKUDs in 2025,
1 Pemerintah Daerah yang mempercayakan RKUD yaitu namely Pandeglang Regency, on December 24, 2025. A
Kabupaten Pandeglang tanggal 24 Desember 2025. Memorandum of Understanding (MoU) was previously
Sebelumnya, telah ditandatangani pula MoU pada tanggal signed on September 15, 2025, as part of the preparation
15 September 2025 sebagai upaya persiapan Pengelolaan for the management of Serang Regency’s RKUD. This
RKUD Kabupaten Serang. Integrasi pengelolaan RKUD integration of RKUD management is expected to broaden
48 Laporan Tahunan & Laporan Keberlanjutan 2025
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ini diharapkan dapat memperluas basis dana murah the low-cost funding base while encouraging credit
Laporan Manajemen ∙ Management Report
sekaligus mendorong ekspansi kredit dan peningkatan expansion and increasing Third Party Funds (TPF) in the
Dana Pihak Ketiga (DPK) di masa mendatang. Bank future. Bank Banten also strengthens collaboration with
Banten juga memperkuat kolaborasi dengan pemerintah local governments within Banten Province to manage and
daerah di lingkup Provinsi Banten untuk mengelola dan develop the economic and financial ecosystem in Banten
mengembangkan ekosistem ekonomi dan keuangan di Province.
Provinsi Banten.
PROSPEK USAHA BUSINESS PROSPECTS
Dalam kerangka penguatan peran Bank Pembangunan Within the framework of strengthening the role of
Daerah (BPD) sebagaimana diamanatkan oleh Otoritas Regional Development Banks (BPD) as mandated by the
Jasa Keuangan melalui kebijakan Konsolidasi Bank Umum, Financial Services Authority through its regional banking
Bank Banten memposisikan diri sebagai entitas strategis consolidation policy, Bank Banten positions itself as a
yang berfokus pada optimalisasi pengelolaan dana strategic entity focused on optimizing the management of
pemerintah daerah. Hal ini sejalan dengan arah kebijakan regional government funds. This is in line with the direction
Kelompok Usaha Bank (KUB) yang mensinergikan Bank of the Bank Business Group (KUB) policy, which brings
Banten dengan Bank Jatim sebagai bank induk, guna together Bank Banten and Bank Jatim as the parent bank,
memperkuat kapasitas permodalan, memperluas jaringan, in order to strengthen capital capacity, expand the network,
serta mengakselerasi transformasi digital. and accelerate digital transformation.
Efektifnya KUB juga memberikan kepastian dan The KUB effectiveness also provides certainty and strong
keyakinan yang kuat bagi seluruh stakeholders khususnya confidence to all stakeholders, particularly the Regency/
Pemerintah Kabupaten/Kota di Provinsi Banten untuk City Governments in Banten Province, who can entrust
dapat mempercayakan pengelolaan Rekening Kas Umum the management of their Regional General Cash Accounts
Daerah (RKUD) secara aman, profesional, dan akuntabel. (RKUD) in a secure, professional, and accountable manner.
Pengelolaan RKUD merupakan pintu masuk kerjasama RKUD management serves as a gateway for mutually
bisnis dan operasional yang saling menguntungkan, untuk beneficial business and operational collaborations, enabling
menggali dan mengembangkan potensi bisnis di seluruh them to explore and develop business potential across all
Kabupaten/Kota se Provinsi Banten, mengelola keuangan regencies/cities in Banten Province, manage finances, and
dan meningkatkan pendapatan daerah serta kesejahteraan increase regional revenue and the welfare of the entire
seluruh masyarakat. community.
Berkat dukungan penuh dari Pemerintah Provinsi Thanks to the full support of the Banten Provincial
Banten selaku Pemegang Saham Pengendali, Otoritas Government as the Controlling Shareholder, the Financial
Jasa Keuangan (OJK), para nasabah beserta seluruh Services Authority (OJK), customers, all stakeholders,
stakeholders dan masyarakat Banten atas capaian positif and the Banten community, the positive and effective
dan efektifnya KUB, diharapkan akan memberikan kontribusi achievements of the KUB are expected to contribute
positif bagi peningkatan kesejahteraan masyarakat dan positively to improving community welfare and Bank
kejayaan Bank Banten sebagai Regional Champion. Banten’s success as a Regional Champion.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank Banten adalah ciri dan identitas yang terus melekat Bank Banten is a characteristic and identity that is
dan tidak dapat dipisahkan dari denyut nadi seluruh inseparable from the pulse of the entire Banten community.
masyarakat Banten. Partisipasi aktif dari seluruh komponen Active participation from all components of society and
masyarakat dan Pemerintah Daerah se-Provinsi Banten the Regional Government throughout Banten Province in
untuk menggunakan seluruh produk dan jasa layanan Bank utilizing all Bank Banten products and services will maximize
Banten akan memaksimalkan pendapatan daerah dan regional revenue and improve community welfare, and
peningkatan kesejahteraan masyarakat serta menjadikan enable Bank Banten to soar among the top five Regional
Bank Banten Melesat menjadi 5 Besar Bank Pembangunan Development Banks in Indonesia.
Daerah Terbaik di Indonesia.
2025 Annual Report & Sustainability Report 49
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PENERAPAN TATA KELOLA IMPLEMENTATION OF GOVERNANCE
Direksi telah menjalankan dan memastikan bahwa The Board of Directors has carried out and ensured that
operasional Bank Banten telah dijalankan dengan tata the operations of Bank Banten are conducted in accordance
kelola yang baik. Penerapan tata kelola berdasarkan prinsip with sound governance. The implementation of governance
best practices Good Corporate Governance/GCG, juga is based on best practices of GCG (Good Corporate
diselaraskan dengan ketentuan yang berlaku. Penerapan Governance) principles and is also aligned with applicable
GCG merupakan prinsip yang mendasari proses dan regulations. The implementation of GCG constitutes the
mekanisme pengelolaan usaha Bank, berlandaskan principle underpinning the processes and mechanisms
kepatuhan terhadap peraturan perundang-undangan serta of Bank business management, grounded in compliance
cerminan prinsip etika bisnis. Prinsip-prinsip tata kelola with laws and regulations and reflecting the principles of
tersebut dijadikan pedoman dalam setiap aktivitas bisnis business ethics. These governance principles serve as
dan operasional. guidelines for every business and operational activity.
Bank Banten telah dilengkapi dengan struktur tata kelola Bank Banten is equipped with an adequate governance
yang memadai, meliputi Rapat Umum Pemegang Saham structure, comprising the General Meeting of Shareholders
(RUPS), Dewan Komisaris dan Direksi. Organ utama tata (GMS), the Board of Commissioners, and the Board
kelola dilengkapi dengan organ pendukung yang seluruhnya of Directors. The primary governance organs are
saling berinteraksi dengan semangat yang sama untuk complemented by supporting organs, all of which interact
meningkatkan tata kelola. with one another in a shared spirit of enhancing governance.
Dalam melaksanakan fungsi, tugas dan tanggung jawabnya, In carrying out their functions, duties, and responsibilities,
Dewan Komisaris dan Direksi didukung oleh sejumlah unit the Board of Commissioners and the Board of Directors
kerja. Di bawah Direksi terdapat Sekretaris Perusahaan, are supported by a number of work units. Under the Board
Satuan Kerja Audit Intern, Satuan Kerja Kepatuhan, dan of Directors are the Corporate Secretary, the Internal
Satuan Kerja Manajemen Risiko. Sementara komite-komite Audit Work Unit, the Compliance Work Unit, and the Risk
di bawah Direksi antara lain Komite Manajemen Risiko, Management Work Unit. The committees under the Board
Komite Kebijakan Perkreditan, ALCO, Komite Pengarah of Directors include the Risk Management Committee, the
Teknologi Informasi, Komite Produk, Komite GCG dan Credit Policy Committee, the Asset & Liability Management
Kepatuhan, Komite Kredit, dan Komite Human Capital Committee (ALCO), the Information Technology Steering
Committee, the Product Committee, the GCG and
Compliance Committee, the Credit Committee, and the
Human Capital Committee.
Di tahun 2025, Bank Banten melaksanakan Rapat Umum In the year 2025, Bank Banten convened a total of 3
Pemegang Saham sebanyak 3 (tiga) kali, yang terdiri dari (three) General Meetings of Shareholders, consisting of
Rapat Umum Pemegang Saham Tahunan sebanyak 1 1 (one) Annual General Meeting of Shareholders on April
(satu) kali pada tanggal 10 April 2025 dan Rapat Umum 10, 2025, and 2 (two) Extraordinary General Meetings of
Pemegang Saham Luar Biasa sebanyak 2 (dua) kali, Shareholders, held on April 10, 2025, and November 28,
masing-masing pada tanggal 10 April 2025 serta tanggal 2025, respectively. The General Meetings of Shareholders
28 November 2025. Pelaksanaan RUPS telah sesuai were conducted in accordance with applicable laws and
dengan peraturan dan perundang-undangan yang berlaku. regulations. The resolutions of the GMS were announced
Hasil-hasil RUPS diumumkan di website Bank Banten dan on Bank Banten's website and reported to OJK and other
dilaporkan ke OJK dan otoritas terkait lainnya. relevant authorities.
50 Laporan Tahunan & Laporan Keberlanjutan 2025
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Mengenai Kebijakan Tata Kelola, Bank Banten telah Regarding Governance Policy, Bank Banten has established
memiliki pedoman di antaranya Pedoman Remunerasi guidelines including the Remuneration Guidelines for the
Laporan Manajemen ∙ Management Report
Dewan Komisaris dan Direksi, Pedoman Pengendalian Board of Commissioners and Directors, Gratuity Control
Gratifikasi; Piagam, Kode Etik, Pedoman dan Tata Tertib Guidelines; the Audit Committee Charter, Code of Conduct,
Kerja Komite Audit; dan Piagam, Pedoman dan Tata Guidelines and Work Procedures; and the Risk Monitoring
Tertib Kerja Komite Pemantau Risiko, Pedoman Pelaporan Committee Charter, Guidelines and Work Procedures,
Pelanggaran, Pedoman Manajemen Risiko, Pedoman Guidelines for Reporting Violations, Risk Management
Pengendalian Internal. Dengan pedoman tersebut, Direksi Guidelines, and Internal Control Guidelines. With these
menjamin akan terciptanya sistem Tata Kelola yang optimal guidelines, the Board of Directors ensures the creation of an
tanpa adanya kasus pelanggaran terhadap operasional optimal Governance system without any violations in Bank
Bank Banten. Banten’s operations.
Implementasi Tata Kelola juga disesuaikan dengan The implementation of Governance is also adjusted to
ketentuan dalam pedoman Tata Kelola bagi Perusahaan the provisions in the Governance guidelines for Public
Terbuka. Bank Banten telah menerapkan 8 (delapan) Companies. Bank Banten has implemented 8 (eight)
prinsip Pedoman Tata Kelola Perusahaan Terbuka yang principles of the Governance Guidelines for Public
meliputi meningkatkan nilai penyelenggaraan Rapat Umum Companies which include increasing the value of holding
Pemegang Saham; meningkatkan kualitas komunikasi General Meetings of Shareholders; improving the quality
Perusahaan Terbuka dengan Pemegang Saham atau of communication between Public Companies and
Investor; memperkuat keanggotaan dan komposisi Dewan Shareholders or Investors; strengthening the membership
Komisaris; meningkatkan kualitas pelaksanaan tugas and composition of the Board of Commissioners; improving
dan tanggung jawab Dewan Komisaris; memperkuat the quality of implementation of the duties and responsibilities
keanggotaan dan komposisi Direksi; meningkatkan of the Board of Commissioners; strengthening the
kualitas pelaksanaan tugas dan tanggung jawab Direksi; membership and composition of the Board of Directors;
meningkatkan aspek tata kelola perusahaan melalui improving the quality of implementation of the duties and
partisipasi pemangku kepentingan; dan meningkatkan responsibilities of the Board of Directors; improving aspects
pelaksanaan keterbukaan informasi. of corporate governance through stakeholder participation;
and improving the implementation of information disclosure.
PENGEMBANGAN TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY
DEVELOPMENT
Bank Banten berkomitmen untuk mengembangkan sistem Bank Banten is committed to developing the Information
Teknologi Informasi (TI) secara bijak dan berkelanjutan. Technology (IT) system in a prudent and sustainable
Bank Banten telah menjalankan transformasi digital dalam manner. Bank Banten has undertaken digital transformation
operasional bisnisnya. Transformasi digital menempati in its business operations. Digital transformation plays an
peranan penting dalam mendorong akselerasi pertumbuhan important role in driving the acceleration of Bank Banten's
usaha Bank Banten. business growth.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 51
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Di tahun 2025, Bank Banten telah melakukan pengembangan In the year 2025, Bank Banten carried out IT development
TI meliputi: encompassing:
1. Pengembangan Layanan Mobile Banking dan 1. Development of Mobile Banking and Internet
Internet Banking Business Banking Business Services
Bank Banten melakukan pengembangan layanan digital Bank Banten undertook the development of digital
dengan memperluas fitur pada mobile banking dan services by expanding features on mobile banking
internet banking business, seperti pembukaan rekening and internet banking business, such as online
online, integrasi QRIS, layanan keuangan pribadi account opening, QRIS integration, personal financial
(personal financial management), serta chatbot berbasis management services, and artificial intelligence-based
kecerdasan buatan. Pengembangan ini ditujukan untuk chatbots. This development is aimed at improving
meningkatkan kualitas layanan, memperluas akses service quality, expanding customer access, and
nasabah, dan memperkuat daya saing Bank di sektor strengthening the Bank's competitiveness in the digital
digital. sector.
2. Implementasi Open API untuk Ekosistem Digital 2. Implementation of Open API for the Digital
Ecosystem
Bank Banten telah menyiapkan platform Open API Bank Banten has prepared an Open API platform in
sesuai dengan ketentuan Standar Nasional Open API accordance with the provisions of the National Open
Pembayaran (SNAP) dari Bank Indonesia, sehingga API Payment Standard (SNAP) from Bank Indonesia,
memungkinkan integrasi dengan mitra strategis seperti enabling integration with strategic partners such as
fintech dan e-commerce. Inisiatif ini akan mempercepat fintech companies and e-commerce platforms. This
pengembangan produk inovatif serta memperluas initiative will accelerate the development of innovative
jangkauan layanan keuangan Bank. products and expand the reach of the Bank's financial
services.
3. Dukungan Layanan Digital untuk Pemerintah Daerah 3. Digital Service Support for Regional Governments
Bank Banten telah memperkuat perannya dalam Bank Banten has strengthened its role in supporting
mendukung pemerintah daerah melalui integrasi layanan regional governments through the integration of
pembayaran Pendapatan Asli Daerah (PAD) serta Regional Own-Source Revenue (PAD) payment
konektivitas dengan sistem keuangan daerah. Langkah services and connectivity with regional financial systems.
ini diharapkan dapat meningkatkan transparansi, This measure is expected to improve transparency,
akuntabilitas, serta efisiensi dalam transaksi keuangan accountability, and efficiency in regional financial
daerah. transactions.
Selain itu, Bank Banten melakukan penguatan terhadap In addition, Bank Banten has undertaken the strengthening
infrastruktur dan keamanan sistem dengan Modernisasi of system infrastructure and security through the
Core Banking System dan Optimalisasi Data Center, Modernization of the Core Banking System and the
DRC, dan Hybrid Cloud. Bank berkomitmen melakukan Optimization of the Data Center, DRC, and Hybrid Cloud.
modernisasi core banking system dengan arsitektur The Bank is committed to modernizing the core banking
modular yang lebih fleksibel, efisien, dan adaptif terhadap system with a more flexible, efficient, and adaptive modular
pengembangan produk serta layanan digital. Modernisasi architecture for product and digital service development.
ini juga akan memperkuat keandalan dan stabilitas sistem This modernization will also strengthen the reliability and
dalam mendukung transaksi nasabah. stability of the system in supporting customer transactions.
Bank Banten telah mengoptimalkan pemanfaatan Data Bank Banten has optimized the utilization of the Data
Center, Disaster Recovery Center (DRC), serta teknologi Center, Disaster Recovery Center (DRC), and hybrid cloud
hybrid cloud. Peningkatan ini akan memastikan ketersediaan technology. These improvements will ensure high service
layanan (availability) yang tinggi dan mendukung availability and support the continuity of operations on an
kelangsungan operasional secara berkesinambungan. ongoing basis.
52 Laporan Tahunan & Laporan Keberlanjutan 2025
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Direksi optimis, melalui pengelolaan TI yang optimal The Board of Directors is confident that optimal IT
Laporan Manajemen ∙ Management Report
akan membuahkan hasil yang baik untuk pertumbuhan management will yield positive results for Bank Banten's
bisnis Bank Banten di tahun mendatang. Direksi bersama business growth in the years ahead. The Board of Directors
manajemen, senantiasa meningkatkan kualitas terhadap and management consistently work to improve the quality of
kinerja TI Bank Banten. Bank Banten's IT performance.
PENGELOLAAN SDM HUMAN RESOURCES MANAGEMENT
Bank Banten memastikan manajemen SDM yang diterapkan Bank Banten ensures that the HR management implemented
telah mengacu pada peraturan dan perundang-undangan is in compliance with applicable laws and regulations. The
yang berlaku. Bank juga telah menyediakan fasilitas dan Bank has also provided facilities and a work environment
lingkungan kerja yang aman, nyaman, dan kondusif untuk that is safe, comfortable, and conducive to supporting HR
mendukung produktivitas SDM. productivity.
Di tahun 2025, Bank Banten melakukan pengembangan In the year 2025, Bank Banten undertook HR development
SDM dengan menyelenggarakan program pengembangan by organizing periodic HR competency development
kompetensi SDM secara berkala. Realisasi program programs. The realization of HR development programs
pengembangan SDM dilakukan pada bidang keamanan was carried out in the areas of cybersecurity, cloud
siber, cloud computing, data analytics, serta tata kelola computing, data analytics, and IT governance. This
TI. Peningkatan kompetensi SDM ini diharapkan mampu enhancement of HR competency is expected to improve the
meningkatkan daya saing Bank dalam menghadapi Bank's competitiveness in facing an increasingly dynamic
perkembangan teknologi yang semakin dinamis. technological landscape.
Selain itu, Bank telah memberikan taraf kesejahteraan yang In addition, the Bank has provided an adequate level of
layak kepada SDM sesuai dengan kewajaran dalam industri welfare to its human resources in accordance with industry
perbankan dan memerhatikan kemampuan keuangan Bank. norms in the banking sector and taking into account the
Seluruh karyawan tetap juga telah diikutsertakan dalam Bank's financial capacity. All permanent employees have
program BPJS Kesehatan dan BPJS Ketenagakerjaan untuk also been enrolled in the BPJS Kesehatan (Health Social
memberikan perlindungan maksimal kepada karyawan. Security) and BPJS Ketenagakerjaan (Employment Social
Security) programs to provide maximum protection to
employees.
KOMITMEN DAN STRATEGI SUSTAINABILITY COMMITMENT AND
KEBERLANJUTAN STRATEGY
MEMBANGUN KEBERLANJUTAN SEBAGAI BUILDING SUSTAINABILITY AS
RESPONS PERSEROAN THE COMPANY'S RESPONSE
Bank Banten sebagai pelaku usaha jasa keuangan menjadi As a financial services provider, Bank Banten is a key driver
salah satu penggerak roda perekonomian. Pada akhir of the economy. By the end of 2025, Bank Banten had
tahun 2025, Bank Banten tercatat memiliki sebanyak 103 103 office networks, comprising a head Office, 20 Branch
jaringan pelayanan yang terdiri atas Kantor Pusat, 20 Offices (KC), 18 Sub-Branch Offices (KCP), 64 Functional
Kantor Cabang (KC), 18 Kantor Cabang Pembantu (KCP), Offices (KF), and 122 ATMs across eight cities/regencies
64 Kantor Fungsional (KF) dan 122 ATM yang tersebar di in Banten and several major cities across Indonesia. Bank
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
8 Kota/ Kabupaten di Banten serta di beberapa Kota besar Banten’s operations are supported by a total workforce of
di Indonesia. Operasional Bank Banten didukung oleh SDM 904 employees (as of December 31, 2025).
sebanyak 904 orang (per 31 Desember 2025).
2025 Annual Report & Sustainability Report 53
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Dalam rangka menciptakan terwujudnya visi misi Bank In order to realize Bank Banten's vision and mission, as
Banten serta kontribusi terhadap aspek ekonomi, sosial well as to contribute to economic, social, and environmental
dan lingkungan serta menjadi “Mitra Terpercaya Sejahtera aspects and to become a "Trusted and Prosperous Partner,"
Bersama”, Bank memiliki komitmen untuk ikut menciptakan the Bank is committed to contributing to the harmonization
keselarasan antara kegiatan perekonomian, keberagaman of economic activities, the diversity of social and community
interaksi sosial kemasyarakatan dan kelestarian interactions, and environmental sustainability, by prioritizing
lingkungan, dengan mengedepankan tanggung jawab responsibility to stakeholders in a broad context, over the
kepada stakeholder dalam konteks luas, dibandingkan profits obtained by the Company in a narrow and limited
dengan keuntungan yang diperoleh oleh Perseroan dalam context.
konteks sempit dan terbatas.
Bank Banten memiliki nilai secara ekonomi yang Bank Banten holds economic value grounded in how we
didasari pada bagaimana kami turut berperan aktif untuk actively contribute to creating value through:
menciptakan nilai melalui:
1. Pemerataan perekonomian. 1. The equitable distribution of the economy.
2. Peningkatan taraf hidup masyarakat, khususnya dalam 2. The improvement of the standard of living of the
hal pengentasan kemiskinan. community, particularly in terms of poverty alleviation.
3. Bersinergi dengan berbagai pihak dalam mendorong 3. Synergizing with various parties in driving development,
pembangunan, tidak terbatas pada infrastruktur fisik, not limited to physical infrastructure, but more importantly
namun yang lebih penting adalah membangun sumber in building human resources to face global challenges,
daya manusia dalam menghadapi tantangan global, including among others.
serta termasuk di antaranya.
4. Mengantisipasi dampak perubahan iklim terhadap 4. Anticipating the impact of climate change on social
interaksi sosial dan kelestarian lingkungan. interaction and environmental sustainability.
5. Menjaga dan melestarikan kebudayaan serta nilai-nilai 5. Preserving and maintaining culture and noble values as
luhur sebagaimana yang diharapkan oleh stakeholders. expected by stakeholders.
Bank Banten terus berproses dan berupaya untuk Bank Banten continues to evolve and strive to deliver sound
memberikan pertumbuhan yang baik bagi kepuasan seluruh growth for the satisfaction of all parties, as excellence is
pihak, kesempurnaan adalah sebuah proses yang tidak a process that never ceases. Therefore, Bank Banten
pernah berhenti. Oleh karena itu Bank Banten senantiasa consistently enhances its knowledge and capabilities to
meningkatkan pengetahuan dan kemampuan dalam rangka ensure sustainability through renewal and innovation, in
menjamin keberlanjutan melalui pembaharuan dan inovasi order to deliver added value to stakeholders.
guna memberikan nilai tambah kepada stakeholder.
RENCANA AKSI KEUANGAN BANK BANTEN'S SUSTAINABLE FINANCE
BERKELANJUTAN BANK BANTEN ACTION PLAN
Dalam Rencana Aksi Keuangan Berkelanjutan tahun In the Sustainable Finance Action Plan (RAKB) for
2024-2028 Bank telah menetapkan prioritas khusus dalam 2024–2028, the Bank has established specific priorities
melakukan implementasi menjadi sustainable banking. in implementing sustainable banking. In this RAKB, the
Dalam RAKB ini kembali ditegaskan prioritas yang akan priorities to be carried out in 2026, aligned with the RAKB
dilakukan pada tahun 2026 yang diselaraskan dengan 2024–2028, are reaffirmed as follows:
RAKB 2024-2028 adalah sebagai berikut:
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1. Refreshment & Edukasi Pihak Internal 1. Internal Refreshment & Education
Pelatihan dan Edukasi masih sangat diperlukan Training and education remain highly necessary, as in
Laporan Manajemen ∙ Management Report
karena secara umum, tantangan yang dihadapi dalam general, the challenge faced in the implementation of
implementasi keuangan berkelanjutan adalah masih sustainable finance is the continued need to improve
diperlukannya peningkatan pemahaman manajemen the understanding of management and employees
dan karyawan mengenai penerapan keuangan regarding the application of sustainable finance. Based
berkelanjutan. Berdasarkan hal tersebut prioritas Bank on this, the Bank's priority is to enhance internal capacity,
adalah meningkatkan kapasitas internal terutama particularly the understanding of sustainable finance, as
pemahaman atas keuangan berkelanjutan serta well as to improve the efficiency and effectiveness of the
peningkatan efisiensi dan efektivitas operasional Bank Bank's operations while taking into account the values
untuk tetap memperhitungkan nilai people, profit dan of people, profit, and planet, beginning from within the
planet dimulai dari internal Bank terlebih dahulu. Bank itself.
2. Peningkatan Pendanaan Berkelanjutan 2. Enhancement of Sustainable Funding
Penyaluran Pendanaan merupakan program dari The disbursement of funding constitutes a program
pengembangan produk jasa keuangan yang memiliki for the development of financial service products
nilai tambah keuangan berkelanjutan. Pendanaan with sustainable finance added value. Funding to the
kepada sektor UMKM dapat dilakukan secara Langsung MSME sector can be provided directly through the
dengan produk Bank yang bernama KUBB, atau tidak Bank's product known as KUBB, or indirectly through
langsung melalui penerusan/pendanaan kepada BPR/ on-lending/funding to Rural Banks (BPR)/Microfinance
LKM. Institutions (LKM).
Bank Banten telah menyusun dan melaksanakan Bank Banten has formulated and implemented policies,
kebijakan, melakukan penyaluran kredit Produktif disbursed productive credit including program credit/
termasuk kredit program/KUR serta pendanaan bagi KUR, as well as funding for pre-retirement civil servants
Pra Pensiunan ASN dan pelaku usaha UMKM baik (ASN) and MSME business actors, both individual actors
pelaku perorangan ataupun penyaluran melalui BPR/ and through disbursement via BPR/LKM that focus
LKM yang fokus pada penyaluran kepada sektor industri on channeling funds to the pre-prosperous household
rumah tangga pra-sejahtera. industry sector.
3. Pendanaan Pembangunan Infrastruktur 3. Infrastructure Development Financing
Pendanaan kredit sektor keuangan berkelanjutan pada Sustainable finance sector credit financing for
pembangunan infrastruktur merupakan suatu fondasi infrastructure development constitutes a foundation in
dalam mencapai tujuan Sustainable Development Goals/ achieving the Sustainable Development Goals (SDGs)
SDGs untuk menciptakan lingkungan pembangunan to create a sustainable development environment for the
yang berkelanjutan untuk masa depan bangsa. nation's future. The sustainable finance sector financing
Rencana pendanaan sektor keuangan berkelanjutan plan for infrastructure development to be targeted by
pada pembangunan infrastruktur yang akan disasar Bank Banten includes priority development aligned
oleh Bank Banten adalah pembangunan prioritas yang with the Provincial Medium-Term Development Plan
sesuai dengan RPJMD Provinsi 2025-2045 di antaranya (RPJMD) 2025–2045, among others the development
pembangunan akses air bersih, sekolah, perpustakaan of clean water access, schools, libraries, and other road
dan akses jalan lainnya. access.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
4. Pelatihan Potensi Bisnis Berkelanjutan 4. Sustainable Business Potential Training
Penerapan keuangan berkelanjutan dapat menjadi The implementation of sustainable finance can serve
fondasi bagi Bank Banten untuk menggali potensi as a foundation for Bank Banten to explore financing
pembiayaan, melakukan bisnis yang bertanggung potential and conduct business that is socially,
2025 Annual Report & Sustainability Report 55
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jawab pada sosial, ekonomi dan lingkungan. Sebagai economically, and environmentally responsible. As
Bank Pemerintahan Daerah, Bank Banten memiliki a Regional Government Bank, Bank Banten has the
tujuan untuk membantu perekonomian provinsi dari sisi objective of supporting the provincial economy from the
sektor perbankan. Dasar ini menjadi penting bagi Bank banking sector perspective. This foundation is important
Banten dalam mencari potensi pembiayaan perbankan for Bank Banten in identifying banking financing potential
yang masuk kategori keuangan berkelanjutan. that falls within the category of sustainable finance.
5. Penciptaan Nilai Internal dalam Konsumsi yang 5. Creation of Internal Value in Responsible
Bertanggung Jawab Consumption
Bank Banten akan memulai untuk menggunakan Bank Banten will begin to use environmentally friendly
material yang ramah lingkungan dengan tujuan untuk materials with the aim of creating sustainable value
menciptakan nilai yang berkelanjutan di internal within the Company's internal operations. Business
Perusahaan. Implementasi bisnis yang dijalankan implementation conducted in a sustainable manner is
secara berkelanjutan berorientasi pada tanggung jawab oriented toward environmental responsibility.
terhadap lingkungan.
6. Penyesuaian Tata Kelola, kebijakan/SOP terkait 6. Adjustment of Governance, Policies/SOPs Related
Keuangan Berkelanjutan to Sustainable Finance
Bank Banten melakukan penyesuaian dengan tujuan Bank Banten undertakes adjustments with the aim of:
untuk:
• Memastikan bahwa potensi bisnis berkelanjutan • Ensuring that sustainable business potential has
memiliki manfaat dan potensi yang baik. sound benefits and potential.
• Menyelaraskan kebijakan yang telah dibuat agar • Aligning established policies so that they are
sesuai dengan tujuannya. consistent with their objectives.
• Mengevaluasi kebijakan yang sudah tidak relevan • Evaluating policies that are no longer relevant for
untuk diperbaharui. updating.
PENERAPAN DAN PENCAPAIAN KINERJA IMPLEMENTATION AND ACHIEVEMENT OF
KEBERLANJUTAN SUSTAINABILITY PERFORMANCE
Rencana strategis penerapan keuangan berkelanjutan ini This strategic plan for the implementation of sustainable
akan dilaksanakan secara bertahap melalui 3 (tiga) fase finance will be carried out in phases through 3 (three)
yang akan diimplementasikan oleh Bank Banten dalam phases to be implemented by Bank Banten in the conduct
menjalankan kegiatan usahanya. of its business activities.
Fase / Phase Penjelasan / Description
Fase pertama, Fokus untuk menciptakan nilai yang mengedepankan keuangan berkelanjutan, dengan mengaplikasikan
menjadi Purposive penciptaan nilai internal dimulai dari karyawan bank dengan kebijakan yang menitikberatkan kepada
Banking (Sejak tahun lingkungan kerja, seperti pengurangan penggunaan kertas, air dan energi lainnya yang dapat dikurangi untuk
2024) / First Phase, menciptakan efisiensi yang ramah terhadap lingkungan tanpa mengurangi esensi dari penggunaan. / ocus on
becoming Purposive creating value that prioritizes sustainable finance, by applying internal values starting from bank employees with
Banking (since 2024) policies that emphasize the work environment, such as the use of paper, water, and other energy that can be
reduced to create environmentally friendly efficiency without reducing the essence of use.
Selanjutnya mengaplikasikan dukungan terhadap produk kredit yang mendukung SDG’s, terutama pada
pembiayaan kredit investasi maupun kredit pembiayaan KUR/UMKM dan juga kredit konstruksi yang berfokus
pada pembangunan yang berdampak bagi sosial ekonomi di provinsi Banten. / Furthermore, support for credit
products that support the SDGs is being implemented, particularly for investment credit financing, KUR/MSME
financing, and construction credit that focuses on development that has a socio-economic impact in Banten
Province.
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Fase / Phase Penjelasan / Description
Fase kedua, menjadi Mengimplementasikan operasional perbankan yang berfokus kepada kebijakan keuangan berkelanjutan.
Promotive Banking. Integrasi dan pengelolaan biaya yang berfokus kepada penghematan dan penggunaan sistem yang ramah
Laporan Manajemen ∙ Management Report
(2025-2026) / Second lingkungan, selain itu budaya risiko yang berbasis bisnis berkelanjutan sehingga produk green banking dapat
phase, becoming mulai diaplikasikan dengan pengukuran risiko sesuai kebutuhan industri. Selain itu Bank Banten akan berfokus
Promotive Banking kepada dampak yang dihasilkan akibat bisnis yang dilakukan, aspek ekonomi, sosial dan kepedulian lingkungan
(2025-2025) akan menjadi jiwa disetiap kebijakan yang dibuat. / mplementing banking operations focused on sustainable
financial policies. Cost integration and management focused on savings and the use of environmentally friendly
systems, as well as a risk culture based on sustainable business, allow for the implementation of green banking
products with risk measurements tailored to industry needs. Furthermore, Bank Banten will begin focusing on
the impact of its business operations, incorporating economic, social, and environmental aspects into every
policy.
Fase ketiga, Setiap arah rencana bisnis dan produknya mengimplementasikan green banking atau taksonomi hijau
sustainable banking Indonesia yang berfokus pada penyaluran kredit berbasis tanggung jawab lingkungan, pemberdayaan ekonomi
(2026-2028) / Third dan interaksi sosial yang berkesinambungan. / Each direction of the business plan and its products implement
Phase, Sustainable green banking or the Indonesian green taxonomy which focuses on credit distribution based on environmental
Banking (2026-2028) responsibility, economic empowerment, and sustainable social interaction.
Faktor yang mendukung keuangan berkelanjutan ini The factors supporting sustainable finance are aligned
selaras dengan visi dan misi Bank Banten yang tertuang with Bank Banten's vision and mission as set forth in the
dalam Nilai-Nilai Budaya Perusahaan Nomor 491/SK/DIR- Company Cultural Values Decree No. 491/SK/DIR-BB/
BB/VIII/2021 yang menjelaskan untuk mendorong insan VIII/2021, which outlines the encouragement of all members
perusahaan berperilaku sesuai dengan budaya perusahaan of the Company to behave in accordance with the corporate
dan penanaman komponen-komponen budaya ke dalam culture and the embedding of cultural components into the
proses dan sistem perusahaan dan dirangkum dalam Company's processes and systems, summarized in the
akronim TRUST. acronym TRUST.
LAPORAN RENCANA AKSI KEUANGAN SUSTAINABLE FINANCE ACTION PLAN
BERKELANJUTAN REPORT
Bank Banten telah menetapkan rencana aksi keuangan Bank Banten has established its Sustainable Finance Action
berkelanjutan dengan pemetaan sebagai berikut: Plan with the following risk mapping:
1. Upaya Perbaikan Kualitas portofolio kredit pada program 1. Efforts to improve the credit portfolio quality in the
keuangan berkelanjutan, untuk memastikan bisnis dan sustainable finance program, to ensure that the Bank’s
pendapatan Bank tetap terjaga dengan optimal business and income remain optimally maintained.
2. Dalam operasional, Bank Banten telah menargetkan 2. In its operations, Bank Banten has targeted the RAKB in
RAKB sesuai dengan KPI, BSC dan ISC. accordance with KPI, BSC, and ISC.
3. Bank Banten menjalankan kajian hukum atas perikatan 3. Bank Banten conducts legal reviews on agreements
(perjanjian) dengan nasabah secara internal dan (contracts) with customers internally and consults
berkonsultasi serta berkordinasi secara aktif dengan and actively coordinates with related institutions in
Institusi terkait sesuai ketentuan perundang-undangan accordance with applicable laws and regulations.
yang berlaku
4. Pencapaian kinerja Rencana Aksi Keuangan 4. Achievement of the Sustainable Finance Action
Berkelanjutan atau Pencapaian kinerja penyaluran Plan performance targets or achievement of credit
kredit kepada kegiatan agar sesuai dengan target yang disbursement performance to activities in order to align
telah ditetapkan. with the established targets.
5. Penyusunan, Pelaksanaan dan Kebijakan RAKB sesuai 5. The formulation, implementation, and policies of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
dengan SOP dan aturan yang berlaku. the RAKB in accordance with applicable SOPs and
regulations.
6. Bank Banten mendukung keuangan berkelanjutan yang 6. Bank Banten supports sustainable finance, which is the
menjadi Fokus Utama pemerintah. government’s key focus.
7. Review Suku Bunga atas Produk Bank Banten 7. Interest Rate Review on Bank Banten Products is
dijalankan melalui Komite ALCO. carried out through the ALCO Committee.
8. Bank Banten mencari sumber dana jangka panjang. 8. Bank Banten seeks long-term funding sources.
2025 Annual Report & Sustainability Report 57
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REALISASI PELAKSANAAN PROGRAM REALIZATION OF THE SUSTAINABLE
KEUANGAN BERKELANJUTAN FINANCE PROGRAM IMPLEMENTATION
Di tahun 2025, Pelaksana Program Keuangan Berkelanjutan In 2025, the Sustainable Finance Program Implementer is
adalah Divisi Sekretariat Perusahaan & Hukum yang the Corporate Secretariat & Legal Division, which reports
bertanggung jawab langsung kepada Direktur Utama. directly to the President Director. In its implementation,
Dalam pelaksanaannya, Program Kerja Keuangan the Sustainable Finance Work Program may involve other
Berkelanjutan dapat melibatkan Divisi/Unit Kerja lainnya Divisions/Work Units to realize the established Program.
untuk merealisasikan Program yang telah ditetapkan. The planned program has been aligned with realistic
Program yang direncanakan telah diselaraskan dengan targets. Regarding the achievement of the Work Program
target yang realistis untuk dapat dicapai. Dalam hal of each Division/Work Unit, the Work Unit Head is directly
pencapaian Program Kerja masing-masing Divisi/Unit responsible for their program and reports its progress to the
Kerja, Pimpinan Unit Kerja bertanggung jawab langsung Corporate Secretariat & Legal Division.
terhadap programnya dan dilaporkan progresnya kepada
Divisi Sekretariat Perusahaan dan Hukum.
Sepanjang tahun 2025, Bank Banten telah merealisasikan Throughout the year 2025, Bank Banten has realized a total
beberapa kegiatan terkait bantuan/kegiatan sosial of 49 social assistance/social activity programs amounting
sebanyak 49 program dengan total Rp297.202.500. to Rp297,202,500. This realization represents an increase
Realisasi ini mengalami peningkatan sebesar 11% jika of 11% compared to the preceding year, which recorded 38
dibandingkan tahun sebelumnya dengan 38 kegiatan activities amounting to Rp267,826,208.
sebesar Rp267.826.208.
PERUBAHAN KOMPOSISI DIREKSI CHANGES IN THE COMPOSITION OF THE
BOARD OF DIRECTORS
Di sepanjang tahun 2025, tidak terdapat perubahan Throughout the year 2025, there were no changes in the
komposisi Direksi Bank Banten. Komposisi Direksi Bank composition of the Board of Directors of Bank Banten. The
Banten adalah sebagai berikut: composition of the Board of Directors of Bank Banten is as
follows:
Tabel Komposisi Direksi Bank Banten Table of the Composition of the Board of Directors of
Bank Banten
No Nama / Name Jabatan / Position
1 Muhammad Busthami Direktur Utama / President Director
2 Bambang Widyatmoko Direktur Bisnis / Director of Business
3 Rodi Judo Dahono Direktur Operasional / Director of Operations
4 Eko Virgianto Direktur Kepatuhan / Compliance Director
58 Laporan Tahunan & Laporan Keberlanjutan 2025
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APRESIASI DAN PENUTUP APPRECIATION AND CLOSING REMARKS
Di sepanjang tahun 2025, Direksi dan jajaran telah Throughout 2025, the Board of Directors and staff
Laporan Manajemen ∙ Management Report
menjalankan fungsinya sesuai dengan pedoman dan carried out their functions in accordance with established
ketentuan yang telah ditetapkan. Direksi mengapresiasi guidelines and regulations. The Board of Directors
kinerja Insan Bank Banten (Banteners) untuk menghadirkan commends the performance of Bank Banten Personnel
pertumbuhan bagi Perusahaan. Kontribusi positif yang (Banteners) in delivering growth for the Company. Their
diberikan diharapkan mampu meningkatkan nilai dan positive contributions are expected to enhance the value
keberlanjutan Bank Banten di tahun mendatang. and sustainability of Bank Banten in the years ahead.
Direksi juga mengucapkan apresiasi dan terima kasih The Board of Directors also expresses its appreciation
kepada para pemegang saham khususnya Pemerintah and gratitude to our shareholders, particularly the Banten
Provinsi Banten selaku Pemegang Saham Pengendali Provincial Government as the Controlling Shareholder,
dan pemangku kepentingan termasuk Regulator, Bank and stakeholders, including Regulators, Bank Jatim, the
Jatim, Pemerintah Daerah yang telah bekerjasama dalam Regional Governments (Lebak Regency, Serang City, and
pengelolaan RKUD di Bank Banten (Kabupaten Lebak, Pandeglang Regency) who have collaborated in managing
Kota Serang dan Kabupaten Pandeglang) serta tokoh the Regional Budget (RKUD) at Bank Banten, as well as
Masyarakat di Banten. community leaders in Banten.
Segala bentuk dukungan dan kepercayaan yang diberikan All forms of support and trust provided will serve as a driving
akan menjadikan motivasi tersendiri bagi kami untuk force for us to manage our business and operations with
melakukan pengelolaan bisnis dan operasional dengan tata good governance, while strengthening our performance and
kelola yang baik, serta memperkuat kinerja & pertumbuhan positive growth.
positif.
Kami berharap, kepercayaan dari Para Pemegang Saham We hope that the trust of our Shareholders and Stakeholders
dan Stakeholders akan terus terjaga seraya kinerja yang will keep on being maintained as our performance continues
semakin melesat dan kuat. to accelerate and strengthen.
Dengan demikian, Direksi optimis segala bentuk pencapaian Accordingly, the Board of Directors is confident that all
positif yang tercipta di tahun 2025 akan membawa positive achievements realized in the year 2025 will bring
pertumbuhan yang berkelanjutan untuk mewujudkan Bank sustainable growth toward realizing a Bank Banten that is
Banten yang ”Melesat, Kuat, Hebat” di tahun mendatang. ”Soaring, Strong, and Outstanding” in the years ahead.
Serang, Maret / March
2026
Atas nama Direksi
On behalf of the Directors
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Muhammad Busthami
Direktur Utama
President Director
2025 Annual Report & Sustainability Report 59
Page 62
LAPORAN TAHUNAN & KEBERLANJUTAN 20 ANNUAL REPORT & SUSTAINABILITY REPORT 25
Page 63
03
Profil
Perusahaan
Company Profile
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
Page 64
Informasi Umum Perusahaan
Company General Information
Nama Perusahaan / PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Company Name
Tanggal Pendirian / Date of 11 September 1992 /
Establishment September 11, 1992
Dasar Hukum Pendirian • Akta Bank No.65 tanggal 16 Januari 1996 yang dibuat dihadapan Frans Elsius Muliawan, S.H, Notaris
/ Legal Basis of di Jakarta, PT Executive International Bank berubah nama menjadi PT Bank Eksekutif International. /
Establishment Bank Deed No. 65 dated January 16, 1996 made before Frans Elsius Muliawan, S.H, Notary in Jakarta,
PT Executive International Bank changed its name to PT Bank Eksekutif International.
• Diumumkan dalam Berita Negara Republik Indonesia No.78 tanggal 27 September 1996, Tambahan
No.8331. / Published in the Official Gazette of the Republic of Indonesia No. 78 dated September 27,
1996, Supplement No. 8331.
• Persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui suratnya
No.AHU-3740. AH.01.02 tanggal 28 Juli 2010 Tentang Persetujuan Akta Perubahan Anggaran Dasar
Perseroan. / Approval from the Minister of Law and Human Rights of the Republic of Indonesia through
Decree No. AHU-3740.AH.01.02 dated July 28, 2010 concerning the approval of Deed of Amendment
to the Company’s Articles of Association.
• Keputusan Gubernur Bank Indonesia No.1258-Kep. GBI/2010 tanggal 23 September 2010 Tentang
Perubahan Penggunaan Izin Usaha Atas Nama PT Bank Eksekutif Internasional Tbk menjadi Izin
Usaha Atas Nama PT Bank Pundi Indonesia Tbk. / Decree of the Governor of Bank Indonesia No. 12
58- Kep. GBI/2010 dated September 23, 2010 concerning the Change in the Use of Business Licenses
under the Name of PT Bank Eksekutif Internasional Tbk to PT Bank Pundi Indonesia Tbk.
• Persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Surat
No.AHU-0012108. AH.01.02 tanggal 27 Juni 2016 Tentang Persetujuan Perubahan Anggaran Dasar
Perseroan Terbatas PT Bank Pembangunan Daerah Banten Tbk. / Approval from the Minister of Law
and Human Rights of the Republic of Indonesia through Decree No. AHU- 0012108.AH.01.02 dated
June 27, 2016 concerning the approval of Amendments to the Articles of Association of PT Bank
Pembangunan Daerah Banten Tbk.
• Keputusan Dewan Komisioner Otoritas Jasa Keuangan Nomor: 12/KDK.03/2016 tanggal 29 Juli 2016
tentang Penetapan Penggunaan Izin Usaha Atas Nama PT Bank Pundi Indonesia Tbk menjadi Izin Usaha
Atas Nama PT Bank Pembangunan Daerah Banten Tbk. / Decree of the Board of Commissioners of the
Financial Services Authority (OJK) No. 12/KDK.03/2016 dated July 29, 2016 concerning Determination
of the use of Business Licenses under the name PT Bank Pembangunan Daerah Banten Tbk.
• Berdasarkan Peraturan Daerah (PERDA) Provinsi Banten Nomor 5 Tahun 2023 tentang Pendirian
Perseroan Terbatas Bank Pembangunan Daerah Banten (PERSERODA) Tbk, Bank Banten menjadi
BUMD dengan Pemegang Saham Mayoritas Pemerintah Provinsi Banten. / Based on the Regional
Regulation (PERDA) of Banten Province Number 5 of 2023 concerning the Establishment of the Limited
Liability Company Bank Pembangunan Daerah Banten (PERSERODA) Tbk, Bank Banten becomes a
BUMD with the Majority Shareholder being the Banten Provincial Government.
• Setelah menyelesaikan dengan baik seluruh tahapan teknis di bulan November 2025, Otoritas Jasa
Keuangan (OJK) sebagai regulator perbankan menutup seluruh proses Kelompok Usaha Bank (KUB)
antara Bank Banten dengan PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) dengan
menerbitkan Surat Penegasan Persetujuan Efektif Struktur KUB pada tanggal 15 Desember 2025. /
After successfully completing all technical stages in November 2025, the Financial Services Authority
(OJK) as the banking regulator closed the entire Bank Business Group (KUB) process between Bank
Banten and PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) by issuing a Letter of
Confirmation of Effective Approval of the KUB Structure on December 15, 2025.
Kegiatan Usaha / Business Bidang Perbankan /
Activities Banking
Tanggal Penawaran Umum 13 Juli 2001 /
Perdana Saham / Initial July 13, 2001
Public Offering
Kepemilikan Saham / • 66,11% (Pemerintah Provinsi Banten / • 0,05% (PT Bank Pembangunan Daerah Jawa Timur Tbk)
Share Ownership Banten Provincial Government)
• 33,84% (Publik/Public)
Kode Saham / Ticker Code BEKS
Modal Dasar / Rp8.000.000.000.040
Authorized Capital
Modal Ditempatkan dan Rp4.308.864.114.540
Disetor Penuh / Issued and
Fully Paid Capital
Kontak Perusahaan / Jl. Veteran No. 04, Cipare, Kota Serang
Company Contact Provinsi Banten - 42117
0254 7917346, 0254 7924060 corporate.secretary@bankbanten.co.id
www.bankbanten.co.id
62 Laporan Tahunan & Laporan Keberlanjutan 2025
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Riwayat Singkat Perusahaan
Brief History of the Company
Profil Perusahaan ∙ Company Profile
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (“Bank”) PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (”Bank”)
pada awalnya adalah PT Executive International Bank yang was originally PT Executive International Bank, which later became
kemudian menjadi "Bank Eksekutif Internasional". Di mana ”Bank Eksekutif Internasional.” PT Executive International Bank
PT Executive International Bank tersebut didirikan pada tanggal was established on September 11, 1992. The deed of establishment
11 September 1992. Akta pendirian telah disahkan oleh Menteri was approved by the Minister of Justice of the Republic of Indonesia
Kehakiman Republik Indonesia tanggal 10 November 1992 dan on November 10, 1992, and published in the State Gazette of
diumumkan dalam Berita Negara Republik Indonesia No. 103, the Republic of Indonesia No. 103, Supplement No. 6651, dated
Tambahan No. 6651 tanggal 26 Desember 1992. December 26, 1992.
Bank Eksekutif Internasional memperoleh izin usaha sebagai bank Bank Eksekutif Internasional obtained a business license as a
umum berdasarkan surat keputusan Menteri Keuangan No.673/ commercial bank based on the Minister of Finance Decree No.
KMK.017/1993 tanggal 23 Juni 1993 dan memulai aktivitas operasi 673/KMK.017/1993 dated June 23, 1993, and commenced banking
di bidang perbankan pada tanggal 9 Agustus 1993. operations on August 9, 1993.
Sesuai dengan perubahan Anggaran Dasar pada Akta No. 36 In accordance with the amendment to the Articles of Association in
tanggal 14 Juni 2016 dari Fathiah Helmi,S.H., Notaris di Jakarta, Deed No. 36 dated June 14, 2016 from Fathiah Helmi, S.H., Notary
“PT Bank Pundi Indonesia Tbk” telah berubah nama menjadi “PT in Jakarta, "PT Bank Pundi Indonesia Tbk" changed its name to
Bank Pembangunan Daerah Banten Tbk”. Perubahan Anggaran "PT Bank Pembangunan Daerah Banten Tbk". The amendment to
Dasar ini telah disetujui oleh Menteri Hukum dan Hak Asasi the Articles of Association has been approved by the Minister of
Manusia Republik Indonesia dengan Surat No. AHU-0012108. Law and Human Rights of the Republic of Indonesia in Letter No.
AH.01.02 Tahun 2016 tanggal 27 Juni 2016. Perubahan nama AHU-0012108.AH.01.02 og 2016 dated June 27, 2016. The name
tersebut telah disetujui oleh Otoritas Jasa Keuangan melalui Surat change has been approved by the Financial Services Authority
Keputusan Dewan Komisioner Otoritas Jasa Keuangan No. 12/ through the Decree of the Board of Commissioners of the Financial
KDK.03/2016 tanggal 29 Juli 2016. Services Authority No. 12/KDK.03/2016 dated July 29, 2016.
Anggaran Dasar Bank telah mengalami beberapa kali perubahan, The Bank’s Articles of Association have been amended several
terakhir dengan Akta Notaris Periasman Effendi No. 08 tanggal 08 times, most recently by Notarial Deed of Periasman Effendi No.
Maret 2024. Perubahan Anggaran Dasar ini telah mendapatkan 08 dated March 08, 2024. The amendment to the Articles of
persetujuan dari Menteri Hukum dan HAM RI sesuai Surat Association has been notified to the Minister of Law and Human
Keputusan No. AHU-0018143.AH.01.02.Tahun 2024 tanggal 21 Rights of the Republic of Indonesia with Letter No. AHU-0018143.
Maret 2024 AH.01.02 of 2024 dated March 21, 2024.
Sesuai dengan Akta pernyataan keputusan rapat No.08 Tanggal In accordance with the Deed of Meeting Decision Statement No.
08 Maret 2024 dari Periasman Effendi Notaris kota Tangerang 08 Dated March 08, 2024 from Periasman Effendi, Notary of
“PT Bank Pembangunan Daerah Banten TBk” telah berubah nama Tangerang City, "PT Bank Pembangunan Daerah Banten Tbk"
menjadi “ PT Bank Pembangunan Daerah Banten (Perseroda) Tbk”. changed its name to "PT Bank Pembangunan Daerah Banten
Perubahan anggaran dasar ini berdasarkan peraturan Otoritas Jasa (Perseroda) Tbk". The change in the articles of association is
Keuangan (OJK) Republik Indonesia No. 17 Tahun 2023 tentang based on the regulation of the Financial Services Authority (OJK)
penerapan tata kelola bagi bank umum, termasuk perubahan of the Republic of Indonesia No. 17 of 2023 concerning the
nama dan status perseroan serta peralihan saham perseroan implementation of governance for commercial banks, including
berdasarkan peraturan daerah Provinsi Banten No. 05 Tahun 2023 changes to the name and status of the company and the transfer
Tanggal 27 Desember 2023 tentang pendirian perseroan terbatas of company shares based on the regional regulation of Banten
Bank Pembangunan Daerah Banten (Perseroda), Tbk. Province No. 05 of 2023 dated December 27, 2023 concerning the
establishment of a limited liability company, Bank Pembangunan
Daerah Banten (Perseroda), Tbk.
Setelah menyelesaikan dengan baik seluruh tahapan teknis di Having successfully completed all technical stages in November
bulan November 2025, Otoritas Jasa Keuangan (OJK) mendukung 2025, the Financial Services Authority (OJK) fully supported the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
penuh pembentukan Kelompok Usaha Bank (KUB) antara Bank formation of the Bank Business Group (Kelompok Usaha Bank/
Banten dengan PT Bank Pembangunan Daerah Jawa Timur Tbk KUB) between Bank Banten and PT Bank Pembangunan Daerah
(Bank Jatim) dengan menerbitkan Surat Penegasan Persetujuan Jawa Timur Tbk (Bank Jatim) by issuing the Letter of Confirmation
Efektif Struktur KUB pada tanggal 15 Desember 2025. Melalui of Effective Approval of the KUB Structure on December 15,
Kelompok Usaha Bank (KUB), Bank Jatim bertindak sebagai 2025. Through the Bank Business Group (KUB), Bank Jatim acts
induk KUB dan sebagai pemegang saham pengendali setelah as the KUB parent and as the controlling shareholder after the
Pemerintah Provinsi Banten. Bank Jatim membeli saham Bank Government of Banten Province. Bank Jatim purchased shares of
Banten di pasar sekunder pada November 2025, yang disahkan Bank Banten on the secondary market in November 2025, which
dalam RUPSLB Bank Banten pada 28 November 2025 dan resmi was ratified at the Extraordinary General Meeting of Shareholders
efektif ber KUB per 15 Desember 2025. (EGMS) of Bank Banten on November 28, 2025, and officially
became effective as a KUB member on December 15, 2025.
2025 Annual Report & Sustainability Report 63
Page 66
Jejak Langkah
Milestones
9 Oktober 27 Juni
October 9 June 27
1993 2016
Perseroan mulai beroperasi sebagai Bank Umum di Perubahan nama PT Bank Pundi Indonesia Tbk
Jakarta setelah memperoleh izin usaha berdasarkan memperoleh persetujuan dari Kementerian Hukum dan
Surat Keputusan Menteri Keuangan Republik Indonesia HAM, sebagaimana tertuang dalam Surat Keputusan
No. 673/KMK.017/1993 yang mengesahkan pendirian PT No. AHU-0012108.AH.01.02 mengenai Persetujuan Akta
Executive International Bank. Anggaran Dasar PT Bank Pembangunan Daerah Banten
Tbk.
The start of the Company’s operations as a Commercial
Bank in Jakarta based on the Decree of the Minister Obtained approval from the Ministry of Law and Human
of Finance of the Republic of Indonesia No. 673/ Rights regarding the replacement of PT Bank Pundi
KMK.017/1993 concerning Granting Business Licenses to Indonesia Tbk. This Ministry’s approval is contained
PT Executive International Bank. in Decree No. AHU0012108. AH.01.02 concerning
Approval of the Deed of Articles of Association of PT Bank
Pembangunan Daerah Banten Tbk.
13 Juli
July 13
2001
29 Juli
July 29
Pencatatan Saham Perdana di Bursa Efek Jakarta. 2016
Initial Public Offering on the Jakarta Stock Exchange. Perubahan nama menjadi PT Bank Pembangunan
Daerah Banten Tbk ditetapkan melalui Surat Keputusan
Otoritas Jasa Keuangan (OJK) No. 12/KDK.03/2016
tentang Penggunaan Izin Usaha atas nama PT Bank
Pembangunan Daerah Banten Tbk. Dengan demikian, PT
23 September Bank Pundi Indonesia Tbk secara resmi berganti nama
September 23 menjadi PT Bank Pembangunan Daerah Banten Tbk (BPD
2010
Banten) sejak 29 Juli 2016.
Determination of the name PT Bank Pembangunan
Daerah Banten Tbk based on the Financial Services
Memperoleh persetujuan dari Bank Indonesia melalui Authority (OJK) Decree No. 12/KDK.03/2016 concerning
Keputusan Gubernur Bank Indonesia No. 12-58- Determination of the Use of Business Licenses in the name
KEP.GBI/2010 mengenai perubahan izin usaha dari of PT Bank Pembangunan Daerah Banten Tbk, so that PT
PT Bank Eksekutif Internasional Tbk menjadi PT Bank Bank Pundi Indonesia Tbk officially changed its name to
Pundi Indonesia Tbk. PT Bank Pembangunan Daerah Banten Tbk (BPD Banten)
starting July 29, 2016.
Obtained approval from Bank Indonesia through Bank
Indonesia Governor Decree No. 12-58-KEP.GBI/2010
concerning Changes in the Use of a Business License
in the name of PT Bank Executive International Tbk to a
Business License in the name of Bank Pundi Indonesia
Tbk.
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Jejak Langkah
Milestones
Profil Perusahaan ∙ Company Profile
2023
4 Januari
January 4
2021 1. Aktivasi layanan Digital QRIS dan M-Banking Jawara
Mobile
Untuk memperkuat struktur permodalan, Bank Banten 2. Pengesahan Peraturan Daerah (Perda) Provinsi Banten
melakukan aksi korporasi dengan melaksanakan Nomor 5 Tahun 2023 tentang Pendirian Perseroan
Penawaran Umum Terbatas (PUT) VI, yang berhasil Terbatas Bank Pembangunan Daerah Banten
mengumpulkan dana sebesar Rp1,871 triliun. Pendanaan (Perseroda) Tbk.
ini berasal dari Pemerintah Provinsi Banten melalui PT
Banten Global Development sebesar Rp1,551 triliun dan 1. Activation of Digital QRIS and M-Banking services Jawara
dari publik sebesar Rp321 miliar. Mobile
2. Ratification of Banten Province Regional Regulation
In order to strengthen its capital structure, Bank Banten (Perda) Number 5 of 2023 concerning the Establishment
carried out corporate action through a Limited Public of a Limited Liability Company, Banten Regional
Offering (PUT) VI by obtaining funding of Rp1.871 trillion Development Bank (Perseroda) Tbk.
sourced from the Banten Provincial Government through
PT Banten Global Development amounting to Rp1.551
trillion and from the Public amounting to Rp321 billion.
2024
Kerjasama Kelompok Usaha Bank (KUB) dengan Bank Jatim
29 Juli
melalui Penandatanganan PKS dan Shareholders Agreement
July 29
2021
(SHA) dalam rangka KUB.
Cooperation between Bank Business Group (KUB) and
Bank Jatim through the signing of PKS and Shareholders
Bank Banten kembali melakukan aksi korporasi melalui Agreement (SHA) within the framework of KUB.
Penawaran Umum Terbatas (PUT) VII, yang berhasil
mengumpulkan dana dari publik sebesar Rp618 miliar.
2025
Bank Banten again carried out corporate action through
Limited Public Offering (PUT) VII by obtaining public
funding of Rp618 billion.
Setelah menyelesaikan dengan baik seluruh tahapan teknis
di bulan November 2025, Otoritas Jasa Keuangan (OJK)
2022 sebagai regulator perbankan menutup seluruh proses
Kelompok Usaha Bank (KUB) antara Bank Banten dengan
PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank
Percepatan pembayaran pajak dilakukan melalui EDC, Jatim) dengan menerbitkan Surat Penegasan Persetujuan
dengan perolehan peringkat Fitch Rating BEKS pada Efektif Struktur KUB pada tanggal 15 Desember 2025 .
level ‘A(idn)’ untuk Peringkat Nasional Jangka Panjang,
serta Sertifikat Registrasi Sistem Manajemen Anti Suap Following the completion of all technical stages in November
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
– ISO 37001:2016. 2025, the Financial Services Authority (OJK) as the banking
regulator concluded the entire Bank Business Group (KUB)
Acceleration of tax payments through EDC Fitch Rating process between Bank Banten and PT Bank Pembangunan
BEKS Long Term National Rating level: ‘A(idn)’ Certificate Daerah Jawa Timur Tbk (Bank Jatim) by issuing a Letter of
of Registration AntiBribery Management System – ISO Confirmation of Effective Approval of the KUB Structure on
37001:2016. December 15, 2025.
2025 Annual Report & Sustainability Report 65
Page 68
Visi, Misi, dan Nilai Perusahan
Vision, Mission & Corporate Value
VISI
V I S I O N
Menjadi Bank yang Terbaik
dan Mitra Terpercaya
To Become the Best Bank and Trusted Partner
MISI
M I S S I O N Mendukung program pembangunan untuk
pertumbuhan ekonomi dan kemakmuran masyarakat
Banten.
Support development programs for economic growth
and prosperity of Banten people.
Memberikan layanan perbankan terbaik yang
selalu berorientasi kepada kepuasan nasabah,
dan meningkatkan nilai manfaat secara
berkesinambungan bagi semua pemangku
kepentingan.
Provide the best banking services that are consistently
focused on customer satisfaction, and improve
continuous beneficial values for all stakeholders.
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Visi, Misi, dan Nilai Perusahan
Vision, Mission & Corporate Value
Profil Perusahaan ∙ Company Profile
NILAI-NILAI
PERUSAHAAN
C O R P O R A T E V A L U E
T R U S T
THINK DIFFERENT RELIABLE UNIVERSE SUSTAINABLE TRACK
Memiliki pemikiran Mampu bekerja Membangun sinergi Memberikan manfaat Menyelesaikan setiap
dinamis dan adaptif profesional dalam positif dengan sesama kepada perusahaan, pekerjaan secara tuntas
• Berpikir kreatif dan menghadapi tantangan dan lingkungan masyarakat dan tepat waktu dan dapat
inovatif berbasis • Tangguh, sebagai bentuk syukur lingkungan secara dipertanggungjawabkan
risiko kolaboratif dan atas rahmat Tuhan berkelanjutan sesuai ketentuan
• Membangun proaktif Yang Maha Esa • Menerapkan • Cepat, tepat dan
karakter • Kompeten dan • Berempati dan prinsip-prinsip tata akurat
intrapreneur berintegritas saling menghargai kelola yang baik • Berorientasi
• Mampu • Berkomunikasi • Bersikap positif • Selalu memberikan padahasil
memberikan solusi secara terbuka dan dan peduli layanan terbaik • Patuh terhadap
dalam setiap efektif lingkungan • Berperan aktif ketentuan
keadaan dalam aksi
keuangan
berkelanjutan
Foster dynamic and Capable of being Foster positive synergy Provide sustainable Complete each task
adaptive thinking professional in facing with others and the benefits to the company, thoroughly and on time,
• Think creatively challenges environment as society, and the being accountable as
and innovatively, • Be resilient, gratitude for the grace of environment per regulations
considering risks collaborative, and God Almighty • Uphold good • Be fast, precise, and
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
• Cultivate an proactive. • Empathize and governance accurate.
intrapreneurial • Exhibit competence respect others principles • Be results-oriented.
character and integrity. • Maintain positivity • Always deliver the • Adhere to regulations
• Offer solutions in • Communicate openly and care for the best service
every situation and effectively. environment • Take an active role in
sustainable financial
practices
2025 Annual Report & Sustainability Report 67
Page 70
Makna Logo
Logo’s Meaning
1. Logo Bank Banten terinspirasi dari sayap Burung Garuda 1. Bank Banten’s logo is inspired by Garuda’s fluttering
yang terbentang ke atas, melambangkan kesiapan dan wings, symbolizing readiness and enthusiasm to move
semangat untuk maju. forward.
2. Sayap, sebagai bagian tubuh yang aerodinamis, 2. Wings, as an aerodynamic body part, play a role in
berperan dalam menjaga keseimbangan saat terbang. maintaining balance when flying.
3. Makna ini tercermin dalam logo Bank Banten, dengan 3. This meaning is reflected in Bank Banten’ logo, with the
harapan dapat mencapai kesuksesan sebagai Regional hope of achieving success as a Regional Champion and
Champion serta memberikan manfaat bagi seluruh providing benefits to all stakeholders through a balance
pemangku kepentingan melalui keseimbangan fungsi of intermediary functions that support people-based
intermediasi yang mendukung stabilitas ekonomi economic stability.
berbasis kerakyatan.
4. Dua helai bulu yang terlihat melambangkan dua kalimat 4. The two visible feathers symbolize the two sentences of
syahadat serta dua pilar utama dalam Islam, yaitu Rukun the shahada and the two main pillars of Islam, namely
Iman dan Rukun Islam. Hal ini mencerminkan karakter the Pillars of Islam and the Six Articles of Faith. This
religius Provinsi Banten serta merepresentasikan dua reflects the religious character of Banten Province and
prinsip utama perbankan, yakni Whistleblowing dan represents the two main principles of banking, namely
Prudential Banking. Good Corporate Governance and Prudential Banking.
5. Warna merah dalam logo melambangkan keberanian, 5. The red color in the logo symbolizes courage, strength,
kekuatan, dan kepemimpinan, sekaligus mencerminkan and leadership, while reflecting the energy and spirit of
energi serta semangat perjuangan yang tak pernah struggle that never goes out.
padam.
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Bidang Usaha
Line of Business
Profil Perusahaan ∙ Company Profile
Berdasarkan Anggaran Dasar terakhir PT Bank Based on the latest Articles of Association of PT Bank
Pembangunan Daerah Banten (Perseroda) Akta Notaris Pembangunan Daerah Banten (Perseroda) Notary Deed
Periasman Effendi No. 08 tanggal 08 Maret 2024, maksud Periasman Effendi No. 08 dated March 8, 2024, the
dan tujuan Perseroan ialah berusaha dibidang Aktivitas Company’s purpose and objective is to engage in Financial
Keuangan (Perbankan). Activities (Banking).
Untuk mencapai maksud dan tujuan tersebut, Perseroan To achieve such purpose and objective, the Company
dapat melaksanakan kegiatan usaha Bank Umum may carry out Conventional Commercial Bank business
Konvensional yang mencakup kegiatan usaha bank secara activities encompassing conventional banking operations,
konvensional, meliputi kegiatan usaha sebagai berikut : which include the following:
1. Bank Umum Pemerintah Daerah, mencakup kegiatan 1. Regional Government Commercial Bank, encompassing
Bank yang seluruh atau sebagian besar modalnya banking activities in which all or the majority of the capital
dimiliki oleh Pemerintah Daerah sebagaimana tercantum is owned by the Regional Government as stipulated
dalam peraturan perundang-undangan yang berlaku in applicable laws and regulations, and conducting
serta melakukan kegiatan usaha dalam bentuk rupiah business activities in Rupiah and/or carrying out
dan atau melakukan transaksi perbankan dengan pihak banking transactions with domestic parties. The Bank
dalam negeri. Untuk selanjutnya Bank dapat melakukan may subsequently conduct business activities in foreign
kegiatan usaha dalam valuta asing dan/atau melakukan currencies and/or carry out banking transactions with
transaksi perbankan dengan pihak luar negeri setelah foreign parties upon obtaining a letter of designation
memperoleh surat penunjukan dari Bank Indonesia dan/ from Bank Indonesia and/or the competent authority
atau otoritas yang berwenang menunjuk sebagai Bank designating it as a Foreign Exchange Bank.
Devisa.
2. Menghimpun dana dari masyarakat dalam bentuk 2. Collecting funds from the public in the form of deposits,
simpanan berupa giro, deposito berjangka, sertifikat including demand deposits (giro), time deposits,
deposito, tabungan dan/atau bentuk lainnya yang certificates of deposit, savings deposits, and/or other
dipersamakan dengan itu. equivalent forms.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 69
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Bidang Usaha
Line of Business
3. Menerbitkan surat pengakuan hutang. 3. Issuing debt acknowledgment instruments.
4. Membeli, menjual atau menjamin atas Risiko sendiri 4. Purchasing, selling, or guaranteeing, at its own risk or for
maupun untuk kepentingan dan atas perintah the benefit of and upon the instruction of its customers:
nasabahnya:
a. Surat-surat wesel termasuk wesel yang diakseptasi a. Bills of exchange, including bills accepted by banks
oleh bank yang masa berlakunya tidak lebih lama with a validity period no longer than customary in the
dari pada kebiasaan dalam perdagangan surat-surat trading of such instruments;
dimaksud;
b. Surat pengakuan hutang dan surat berharga b. Debt acknowledgment instruments and other
lainnya yang masa berlakunya tidak lebih lama securities with a validity period no longer than
dari kebiasaan dalam perdagangan surat-surat customary in the trading of such instruments;
dimaksud;
c. Surat Berharga Pemerintah dan Surat Jaminan c. Government Securities and Government Guarantee
Pemerintah; Instruments;
d. Sertifikat Bank Indonesia; d. Bank Indonesia Certificates;
e. Obligasi; e. Bonds;
f. Surat Dagang berjangka waktu; f. Time-based commercial papers;
g. Instrumen surat berharga lain yang berjangka waktu; g. Other time-based securities instruments.
5. Memberikan kredit atau pinjaman, baik jangka panjang, 5. Extending credit or loans, whether long-term, medium-
jangka menengah atau jangka pendek kepada usaha term, or short-term, to micro, small, and medium
mikro kecil dan menengah (UMKM) termasuk kredit enterprises (MSMEs), including credit facilities for civil
PNS dan pensiunan PNS atau pinjaman dalam bentuk servants and retired civil servants, or loans in other
lainnya yang lazim diberikan dalam dunia perbankan forms customarily extended in the banking industry and
dan sesuai dengan ketentuan Peraturan perundang- in accordance with applicable laws and regulations.
undangan yang berlaku
6. Menempatkan dana pada, meminjamkan dana kepada 6. Placing funds with, or lending funds to, other banks,
bank lain, baik dengan menggunakan surat, sarana whether by means of written correspondence,
telekomunikasi maupun dengan wesel unjuk, cek, atau telecommunication facilities, demand drafts, cheques,
sarana lainnya. or other instruments.
7. Memindahkan uang baik untuk kepentingan sendiri 7. Transferring funds, whether for the Company's own
maupun untuk kepentingan nasabah account or for the benefit of customers.
8. Menjual agunan melalui atau tanpa pelelangan baik 8. Selling collateral through or without auction, either in
seluruh maupun sebagian agunan dalam hal debitur whole or in part, in the event that a debtor fails to fulfill
tidak memenuhi kewajibannya kepada Perseroan. its obligations to the Company.
9. Membeli agunan melalui atau tanpa pelelangan baik 9. Purchasing collateral through or without auction, either
seluruh maupun sebagian agunan dalam hal debitur in whole or in part, in the event that a debtor fails to fulfill
tidak memenuhi kewajibannya kepada Perseroan. its obligations to the Company.
10. Melakukan kegiatan penyertaan modal pada bank atau 10. Conducting equity participation in banks or other
perusahaan lain di bidang keuangan maupun di bidang companies in the financial sector or other sectors, to the
lain, sepanjang tidak bertentangan dengan ketentuan extent not contrary to applicable laws and regulations.
peraturan perundang-undangan yang berlaku.
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Bidang Usaha
Line of Business
Profil Perusahaan ∙ Company Profile
11. Melakukan kegiatan penyertaan modal sementara untuk 11. Conducting temporary equity participation to address
mengatasi akibat kegagalan kredit, termasuk kegagalan the consequences of credit failures, including financing
pembiayaan berdasarkan prinsip syariah, dengan syarat failures based on sharia principles, on the condition that
harus menarik kembali penyertaannya sesuai dengan such participation must be withdrawn in accordance with
ketentuan yang ditetapkan oleh Bank Indonesia; the provisions stipulated by Bank Indonesia.
12. Menerima pembayaran dari tagihan atas surat berharga 12. Receiving payments from claims on securities and
dan melakukan perhitungan dengan atau antar pihak conducting settlements with or between third parties.
ketiga.
13. Menyediakan tempat untuk menyimpan barang dan 13. Providing safe deposit facilities for goods and securities.
surat berharga.
14. Melakukan kegiatan penitipan untuk kepentingan pihak 14. Conducting custodial activities for the benefit of other
lain berdasarkan suatu kontrak parties based on a contract.
15. Melakukan penempatan dana dari nasabah kepada 15. Placing funds from customers to other customers in the
nasabah lainnya dalam bentuk surat berharga yang form of securities not listed on the Stock Exchange.
tidak tercatat di Bursa Efek.
16. Melakukan kegiatan anjak piutang, usaha kartu kredit 16. Conducting factoring activities, credit card business,
dan kegiatan Wali Amanat. and Trustee (Wali Amanat) activities.
17. Melakukan kegiatan dalam Valuta Asing sesuai dengan 17. Conducting activities in Foreign Currencies in accordance
ketentuan yang ditetapkan oleh Otoritas Jasa Keuangan. with the provisions stipulated by the Financial Services
Authority.
18. Menerbitkan kredit berdokumen (letter of credit) dalam 18. Issuing documentary credits (letters of credit) in various
berbagai bentuk dan bank garansi. forms and bank guarantees.
19. Bertindak sebagai pendiri Dana Pensiun dan Pengurus 19. Acting as the founder and administrator of Pension
Dana Pensiun. Funds.
20. Menyediakan pembiayaan dan/atau melakukan 20. Providing financing and/or conducting other activities
kegiatan lain berdasarkan prinsip syariah, sesuai based on sharia principles, in accordance with the
dengan ketentuan yang ditetapkan oleh Bank Indonesia. provisions stipulated by Bank Indonesia.
21. Memberikan jasa penyimpanan dan pengelolaan kas 21. Providing cash and financial management and custodial
dan keuangan kepada Pemerintah Daerah tingkat services to Provincial and Regency/Municipal Regional
Provinsi, Kabupaten/Kotamadya dan Badan Usaha Governments and Regional-Owned Enterprises
Milik Daerah (BUMD) dilingkungan pemerintah Daerah (BUMD) within the Banten Provincial Government
Provinsi Banten dan Kabupaten Kota di seluruh Banten and all Regency/Municipal governments throughout
baik yang berbentuk Perusahaan Daerah maupun yang Banten, whether in the form of Regional Companies
berbentuk Badan Hukum Perseroan Terbatas (PT). (Perusahaan Daerah) or entities incorporated as Limited
Liability Companies (PT).
Selain kegiatan usaha utama sebagaimana dimaksud In addition to the primary business activities referred to
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
pada ayat 2, Perseroan dapat melakukan kegiatan usaha article 2, the Company may conduct supporting business
penunjang yang mendukung kegiatan usaha utama sesuai activities that complement its primary business activities
Peraturan Otoritas Jasa Keuangan yang mengatur tentang in accordance with the Financial Services Authority
kegiatan usaha Bank. Regulations governing bank business activities.
2025 Annual Report & Sustainability Report 71
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Produk dan Layanan
Products and Services
DANA ∙ FUNDS
TABUNGAN / SAVINGS GIRO / CURRENT ACCOUNTS
Tabungan Harapan Perorangan / Giro Umum (Perorangan dan Non Perorangan) /
Individual Harapan Savings General Current Accounts(Individual dan Non-
Individual)
Tabungan Harapan Non Perorangan /
Non-Individual Harapan Savings Giro Antar Bank / BPR / Inter Bank/BPR Current
Accounts
Tabungan Harapan Pensiun /
Retirement Harapan Savings Giro Pemerintah Daerah /
Regional Government Current Accounts
Tabungan Jawara Bisnis Perorangan /
Individual Jawara Business Savings Giro Pemerintah Pusat /
Central Government Current Accounts
Tabungan Jawara Bisnis Non Perorangan /
Non-Individual Jawara Business Savings
Tabungan Payroll dan Honorer ASN /
Payroll and Honorer ASN Savings
Tabungan Antar Bank – BPR / Inter BPR Bank Savings DEPOSITO / TIME DEPOSITS
Tabungan Sosial Banten / Social Banten Savings Deposito Berjangka / Time Deposit
Tabungan Simpanan Pelajar / Student Savings
Deposito On Call
Tabungan Pajak / Tax Savings
LAYANAN ∙ SERVICES
JASA / SERVICES JASA / SERVICES
E-Samsat Provinsi Banten / E-Samsat Banten Province BI-Fast
SP2D Signal (Layanan SAMSAT Nasional) / Signal (National
Modul Penerimaan Negara Generasi -4 (MPN-G4) / One-stop Administrative System Service)
Generation -4 State Revenue Module (MPN-G4) Jaringan ATM Bersama & Prima / ATM Bersama &
Sistem Perbendaharaan dan Anggaran Negara (SPAN) Prima Network
/ State Treasury and Budget System
Mitra Pembayaran Taspen / Taspen Payment Partner DIGITAL BANKING / DIGITAL BANKING
EDC
JAWARA Mobile
RTGS
SKN QRIS
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Produk dan Layanan
Products and Services
Profil Perusahaan ∙ Company Profile
KREDIT ∙ LOANS
KREDIT UMKM / MSMES LOANS KREDIT KONSUMER / CONSUMER LOANS
Kredit Usaha Bangun Banten / Kredit Beragunan Tunai / Cash Secured Credit
Bangun Banten Business Loans Kredit Pensiun / Pension Loans
• KI Banten Tunas • Kredit Pra Purna Karya (Pra Kinaya) / Pre-Retirement
• KI Banten Mandiri Loans (Pra Kinaya)
• KI Banten Sejahtera • Kredit Purna Karya (Kinaya) / Retirement Loans
• KMK Banten Tunas (Kinaya)
• KMK Banten Mandiri • Kredit Tunjangan Hari Tua (THT) / Old Age Allowance
• KMK Banten Sejahtera Credit (THT)
Kredit Beragunan Tunai UMKM / Cash Collateral Credit Kredit Beragunan Tunai (KBT) / Cash Collateralized
for MSMEs Credit (KBT)
Kredit Cash Colateral BPR / Rural Banks Collateral Cash
Loans
Kredit Cash Colateral Koperasi / Cooperatives Collateral KREDIT KOMERSIAL / COMMERCIAL LOANS
Cash Loans
Kredit Modal Kerja / Working Capital Loans
Kredit Kepada BPR & Koperasi / Kredit Kepada BPR &
Kredit Investasi / Investment Loans
Koperasi
• KI BPR / Rural Banks KI Kredit Jangka Pendek / Short-term Loans
• KI Koperasi / Cooperatives KI Kredit Beragunan Tunai / Cash Collateral Loans
• KMKK Stanby Loan Koperasi / Cooperative Standby
Kredit Lembaga pembiayaan /
Loan KMKK
Financing Institution Credit Loans
• KMKK Transaksional Koperasi / Cooperative
Transactional KMKK Bank Garansi / Bank Guarantee
• Kredit Koperasi Karyawan / Employee Cooperative • Bank Garansi Tender / Bank Tender Guarantee
Credit • Bank Garansi Pelaksanaan / Bank Guarantee of
• Kredit Angsuran Berjangka BPR / Rural Bank Term Performance
Installment Credit • Bank Garansi Pemeliharaan / Bank Guarantee of
• KMK Koperasi Simpan Pinjam / Savings and Loan Maintenance
Cooperative KMK • Bank Garansi Uang Muka / Bank Guarantee of Down
• KMK Ventura / Venture KMK Payment
• Bank Garansi Pembayaran / Bank Guarantee of
Payment
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
• Bank Garansi Perdagangan Umum / Bank Guarantee
KREDIT KONSUMER / CONSUMER LOANS
of General Trade
Kredit Karya Guna / Karya Guna Loans • Bank Garansi Sanggah Banding / Bank Guarantee
Objection to Appeal
Kredit Karya Banten Sertifikasi / Karya Banten Sertifikasi
• Bank Garansi Penangguhan Bea Masuk / Bank
Loans
Guarantee for Suspension of Import Duty
Kredit Channeling BPR & Koperasi / Channeling Rural
Banks and Cooperatives Loans
2025 Annual Report & Sustainability Report 73
Page 76
Wilayah Operasional
Operational Areas
Dalam melayani kebutuhan Masyarakat dan menjalankan To serve the needs of the community and carry out its
Operasionalnya, Perseroan didukung dengan 1 Kantor operations, the Company is supported by 1 Head Office
Pusat (KPNO), 20 Kantor Cabang (KC), 18 Kantor Cabang (KPNO), 20 Branch Offices (KC), 18 Sub-Branch Offices
Pembantu (KCP), 64 Kantor Fungsional (KF) yang tersebar (KCP), and 64 Functional Offices (KF) across various
di berbagai wilayah di Indonesia. Detail mengenai kantor regions in Indonesia. Details regarding operational offices
operasional dapat ditemukan pada bagian Alamat Kantor can be found in the Office Addresses section and/or the list
dan/atau daftar Kantor Cabang serta Kantor Wilayah. of Branch Offices and Regional Offices.
Hingga akhir Desember 2025 Anjungan Tunai Mandiri As of the end of December 2025, Bank Banten had 122
(ATM) yang dimiliki oleh Bank Banten adalah sebanyak 122 Automated Teller Machines (ATMs).
ATM.
Kantor Cabang Pembantu (KCP) ∙ Sub-Branch Offices (KCP)
1. KCP Palima Serang 4. KCP RSUD Serang 7. KCP Ciledug
2. KCP Kramatwatu Serang 5. KCP KP3B Serang 8. KCP Ciputat
3. KCP Veteran Serang 6. KCP Bapenda 9. KCP Bintaro
74 Laporan Tahunan & Laporan Keberlanjutan 2025
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Wilayah Operasional
Operational Areas
Profil Perusahaan ∙ Company Profile
1 64
Kantor Pusat Kantor Fungsional (KF)
Head Office Functional Offices (KF)
20 18
Kantor Cabang (KC) Kantor Cabang Pembantu (KCP)
Branch Offices (KC) Sub-Branch Offices (KCP)
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
10. KCP Alam Sutera 13. KCP Gading Serpong 16. KCP Maja
11. KCP BSD 14. KCP Puspemkab Tangerang 17. KCP Panimbang
12. KCP Jatiuwung 15. KCP Malingping 18. KCP Labuan
2025 Annual Report & Sustainability Report 75
Page 78
Struktur Organisasi
Organization Structure
Berikut adalah struktur organisasi berdasarkan Surat The following is the organizational structure based on the
Keputusan Direksi PT Bank Pembangunan Daerah Banten Decree of the Board of Directors of PT Bank Pembangunan
(Perseroda) Tbk Nomor 406/SK/DIR-BB/XII/2025 tanggal Daerah Banten (Perseroda) Tbk No. 406/SK/DIR-BB/
24 Desember 2025. XII/2025 dated December 24, 2025.
Komite Direksi
Director Committee Direktur Utama
President Director
Komite Manajemen Risiko
Risk Management Committee
Komite Kebijakan Perkreditan
Credit Policy Committee Direktur Operasional Direktur Bisnis
Operational Director Compliance Director
ALCO
Komite Pengarah Teknologi Informasi
Information Technology Steering
Committee
Divisi Perencanaan Akuntansi &
Keuangan Divisi Layanan Bisnis Pemerintahan
Komite Produk Planning, Accounting & Financial Government Business Services Division
Product Committee Division
Komite GCG dan Kepatuhan Divisi Teknologi Informasi Divisi Pengembangan Bisnis
Compliance Committee IT Division Business Development Division
Komite Kredit Divisi Penyelamatan & Penyelesaian
Divisi Human Capital
Credit Committee Kredit
Human Capital Division Credit Rescue & Settlement Division
Komite Human Capital Divisi Credit Review &
Human Capital Committee Administrasi Kredit UKK Treasury
Credit Review & Credit Treasury Specific Purposes Unit
Administration Division
UKK Umum
Divisi Kredit
General Affair Specific
Credit Division
Purposes Unit
Divisi Operasional Jaringan &
Layanan Divisi Dana & Jasa
Network & Service Operational Division Fund & Services Division
Kantor Cabang Utama (Operasional) Kantor Cabang Utama (Bisnis)
Main Branch Office (Operational) Main Branch Office (Business)
Kantor Cabang Pembantu
Kantor Cabang Pembantu (Operasional)
(Bisnis)
Sub-Branch Office (Operational)
Sub-Branch Office (Business)
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Struktur Organisasi
Organization Structure
Profil Perusahaan ∙ Company Profile
RUPS
AGMS
Dewan Komisaris
Board of Commissioners
Komite Komisaris
Commissioner Committee
Komite Nominasi & Remunerasi
Remuneration & Nomination
Committee
Komite Pemantau Risiko
Risk Oversight Committee
Direktur Kepatuhan
Business Director
Komite Audit
Audit Committee
Divisi Kepatuhan Divisi Audit Internal
Compliance Division Internal Audit Division
Divisi Sekretariat Perusahaan
Divisi Manajemen Risiko
& Hukum
Risk Management Division
Corporate Secretariat & Legal
Division
UKK Pengendalian Internal Spesialis
Pelaporan Spesialis
Internal Control Reporting Specific
Purposes Unit
Dewan Komisaris Unit / Divisi
Board of Commissioners Unit / Division
Unit Kerja Khusus (UKK)
Board of Management Specific Purposes Unit (UKK)
Komite Komisaris Kantor Cabang Utama
Commissioner Committee Main Branch Office
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Komite Direksi Kantor Cabang Pembantu
Director Committee Sub-Branch Office
Garis Komando Berjumlah lebih dari satu unit
Command Line More than one unit
Garis Koordinasi
Coordination Line Jabatan Fungsional
Functional Position
Garis Advice Profesional
Garis Advice Profesional
2025 Annual Report & Sustainability Report 77
Page 80
Profil Dewan Komisaris
Board of Commissioners Profile
Brigjen. Pol. (Purn.)
Prof. Dr. HOIRUDDIN HASIBUAN, S.H., M.Hum.
Komisaris Utama Independen
Independent President Commissioner
Warga Negara Indonesia, usia 60 tahun. Beliau meraih gelar Indonesian citizen, 60 years old. He earned a Bachelor of Laws
Sarjana Hukum di Universitas Saburai, Bandar Lampung (1996), degree from Universitas Saburai, Bandar Lampung (1996), a
Magister Hukum Bisnis di Universitas Gadjah Mada, Yogyakarta Master of Business Law degree from Universitas Gadjah Mada,
(2002), menyelesaikan gelar Doktor Bidang Ilmu Hukum di Yogyakarta (2002), a Doctorate in Law from Universitas Brawijaya,
Universitas Brawijaya, Malang (2017) dan meraih gelar Profesor Malang (2017), and a Professorship (HC) in Law from Universitas
(HC) Bidang Hukum di Universitas Islam Sultan Agung Semarang Islam Sultan Agung, Semarang (2024).
(2024).
Beliau meniti karir aktif di Kepolisian Republik Indonesia sejak He has pursued an active career with the Indonesian National
tahun 1987. Selama bertugas di Kepolisian sebagian besar Police since 1987. During his service, he was primarily assigned
penugasan dibidang Reskrim, beberapa daerah penugasan yaitu to the Criminal Investigation Department, serving in Lampung
di Provinsi Lampung, Provinsi Irian Jaya/Papua, Provinsi Jawa Province, Irian Jaya/Papua Province, Central Java Province, and
Tengah, Provinsi Sumatera Utara dan baru kemudian bergabung North Sumatra Province. He later joined the National Police's
dengan Densus 88 Anti Teror (AT) Polri tahun 2007 - 2021. Densus 88 Anti-Terrorism Unit (AT) from 2007 to 2021.
Jabatan strategis yang pernah diemban: 3 (tiga) kali menjabat Strategic positions he held include: 3 (three) positions as Police
sebagai Kapolsek (Kapolsek Kota Manokwari Papua, Kapolsek Chief (Kapolsek) (Chief of Police for Manokwari City, Papua, Chief
Giriwoyo Wonogiri Jateng dan Kapolsek Kartasura Sukoharjo of Police for Giriwoyo, Wonogiri, Central Java, and Chief of Police
Jateng). Pernah menjabat sebagai Ketua Tim Penyidik tindak for Kartasura, Sukoharjo, Central Java). He also served as Head
pidana korupsi Polwil Surakarta, Polda Jawa Tengah. of the Corruption Investigation Team for the Surakarta Regional
Police and the Central Java Regional Police.
Beliau pernah menjabat sebagai Kapolres Malang Kota, Polda He previously served as the Malang City Police Chief, the East
Jawa Timur dan selama di Densus 88 AT pernah menjabat sebagai Java Regional Police Chief, and during his time with Densus 88 AT,
Penyidik Madya, Kanit Analis Satgaswil Papua dan Maluku, he served as a Senior Investigator, Head of the Papua and Maluku
Kasubag SDM, Kasatgaswil Bangka Belitung, dan sejak tahun Regional Task Force Analysis Unit, Head of the Human Resources
2021 menjabat sebagai Stafsus Mendagri bidang Pemerintahan Sub-Division, Head of the Bangka Belitung Regional Task Force,
Desa dan Pengelola Perbatasan. and since 2021, has served as Special Staff to the Minister of Home
Affairs for Village Government and Border Management.
Kemudian beliau bergabung dan ditunjuk sebagai Komisaris He joined and was appointed as Representative Commissioner
Perwakilan berdasarkan Rapat Umum Pemegang Saham Luar based on the Extraordinary General Meeting of Shareholders of
Biasa Bank Banten pada tanggal 2 Desember 2022. Selanjutnya, Bank Banten on December 2, 2022. He was subsequently appointed
beliau ditunjuk sebagai Komisaris Utama Independen Perseroan as Independent President Commissioner of the Company based on
berdasarkan Rapat Umum Pemegang Saham Luar Biasa pada the Extraordinary General Meeting of Shareholders on January 25,
tanggal 25 Januari 2023. 2023.
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Profil Dewan Komisaris
Board of Commissioners Profile
Profil Perusahaan ∙ Company Profile
DEDEN RIKI HAYATUL FIRMAN
Komisaris Independen
Independent Commissioner
Warga Negara Indonesia, usia 63 tahun, beliau meraih gelar Indonesian citizen, 63 years old. He earned his Bachelor of Laws
Sarjana Hukum di Universitas Jenderal Soedirman Purwokerto degree from Universitas Jenderal Soedirman in Purwokerto (1987)
(1987) dan menyelesaikan gelar Magister Hukum di STIH Iblam and completed his Master of Laws degree from STIH Iblam (2002).
(2002).
Beliau meniti karir di Kejaksaan RI sebagai Kajari Bantaeng (2002), He pursued his career at the Indonesian Attorney General's
Kajari Tuban (2003), Asintel Kejati Lampung (2005), Kajari Pati Office as Head of the Bantaeng District Attorney's Office (2002),
(2007), dan berturut-turut menjabat sebagai IRBAN Wilayah III di Head of the Tuban District Attorney's Office (2003), Assistant for
Jaksa Agung Muda Bidang Pengawasan (2009), Asintel Kejati DKI Intelligence at the Lampung High Prosecutor's Office (2005), Head
Jakarta (2010), Asisten Khusus Jaksa Agung RI (2012), Kepala Biro of the Pati District Attorney's Office (2007), and concurrently served
Perencanaan Jaksa Agung Muda Bidang Pembinaan (2014), Kajati as IRBAN Region III at the Junior Attorney General for Supervision
Maluku Utara (2016), Direktur Tindak Pidana Terhadap Keamanan (2009), Assistant for Intelligence at the Jakarta High Prosecutor's
Negara, Ketertiban Umum & Tindak Pidana Umum Lainnya di Office (2010), Special Assistant to the Attorney General of the
Jaksa Agung Muda Bidang Tindak Pidana Umum (2018), Direktur Republic of Indonesia (2012), Head of the Planning Bureau of
Tata Usaha Negara di Jaksa Agung Muda Bidang Perdata Dan the Junior Attorney General for Development (2014), Head of the
Tata Usaha Negara (2019), Kajati Kalimantan Timur (2020-2022). North Maluku High Prosecutor's Office (2016), Director of Crimes
Against State Security, Public Order & Other General Crimes at
the Junior Attorney General for General Crimes (2018), Director
of State Administration at the Junior Attorney General for Civil and
State Administration (2019), and Head of the East Kalimantan High
Prosecutor's Office (2020-2022).
Beliau ditunjuk sebagai Komisaris Independen Perseroan He was appointed as an Independent Commissioner of the Company
berdasarkan Rapat Umum Pemegang Saham Luar Biasa Bank based on the Extraordinary General Meeting of Shareholders
Banten pada tanggal 25 Januari 2023. Pengangkatan Beliau selaku of Bank Banten on January 25, 2023. His appointment as an
Komisaris Independen yang telah lulus penilaian kemampuan dan Independent Commissioner who has passed the Fit and Proper
kepatutan (Fit and Proper Test) dari Otoritas Jasa Keuangan, Test from the Financial Services Authority, was approved at the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
disetujui dalam Rapat Umum Pemegang Saham Luar Biasa Bank Extraordinary General Meeting of Shareholders of Bank Banten on
Banten pada tanggal 14 November 2024. November 14, 2024.
2025 Annual Report & Sustainability Report 79
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Profil Dewan Komisaris
Board of Commissioners Profile
Dr. RINA DEWIYANTI, SE., M. SI
Komisaris
Commissioner
Warga Negara Indonesia, usia 58 tahun. Ibu Rina meraih Indonesian citizen, 58 years old. Ms. Rina earned an Associate’s
gelar Diploma 3 di PAAP-UNPAD (1989), Sarjana Akuntansi di Degree from PAAP-UNPAD (1989), a Bachelor's degree in
STIE-YPKP Bandung (1999) dan Magister Ilmu Administrasi di Accounting from STIE-YPKP Bandung (1999), and a Master's
Universitas Krisnadwipayana Jakarta (2004). Beliau meraih gelar degree in Administrative Science from Universitas Krisnadwipayana
Doktor dari Universitas Padjajaran Bandung (2022). Jakarta (2004). She earned a doctorate from Universitas Padjajaran,
Bandung (2022).
Mengawali Karier di Bank Bukopin Cabang Bandung (1989-1991), She began her career at Bank Bukopin, Bandung Branch (1989-
kemudian Menjadi PNS Kalimantan Barat di kabupaten Sintang 1991). She then became a civil servant in West Kalimantan in
menjadi Kepala Administrasi Keuangan pada PDAM Kabupaten Sintang Regency, becoming Head of Financial Administration at
Sintang Provinsi Kalimantan Barat (Kalbar). Pada Tahun 1994- the Sintang Regency Regional Water Company (PDAM), West
1999 beliau menjabat sebagai Kepala Urusan Keuangan Dispenda Kalimantan Province (Kalbar). From 1994 to 1999, she served as
Kab. Sintang Provinsi Kalimantan Barat, Selanjutnya beliau mutasi Head of Financial Affairs of the Sintang Regency Revenue Agency
dari Kabupaten Sintang Prov Kalbar ke Kabupaten Lebak Provinsi (Dispenda), West Kalimantan Province. She was subsequently
Banten, kemudian dipercaya memegang jabatan sebagai Kasubid transferred from Sintang Regency, West Kalimantan Province
Anggaran DPPKAD Kab. Lebak periode 1999-2005. to Lebak Regency, Banten Province, where she was appointed
Head of the Budget Sub-Division of the Sintang Regency Regional
Revenue and Expenditure Agency (DPPKAD). Lebak from 1999
to 2005.
Selanjutnya beliau mendapat amanat menjadi Kabid Anggaran Furthermore, she served as Head of the Budget Division of the
DPPKD Kab. Lebak pada 2005-2007 dan kemudian kariernya Lebak Regency Regional Development Planning Agency (DPPKD)
menjadi Kepala DPPKD Kab. Lebak pada 2007-2015. Kemudian from 2005 to 2007, and later served as Head of the Lebak Regency
beliau mengikuti open bidding di Pemprov Banten dan berhasil DPPKD from 2007 to 2015. She participated in an open bidding
menduduki jabatan sebagai Kepala Badan Pengelolaan Keuangan process with the Banten Provincial Government and was appointed
dan Aset Daerah (BPKAD) Provinsi Banten (2019 sd saat ini). Head of the Banten Province Regional Finance and Asset
Management Agency (BPKAD) (2019 to present).
Diangkat sebagai Komisaris Perseroan berdasarkan Rapat Umum She was appointed as a Commissioner of the Company based on
Pemegang Saham Tahunan tanggal 10 April 2025 the Annual General Meeting of Shareholders on April 10, 2025.
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Profil Direksi
Board of Directors Profile
Profil Perusahaan ∙ Company Profile
MUHAMMAD BUSTHAMI
Direktur Utama
President Director
Warga Negara Indonesia, usia 59 tahun. Bapak Busthami meraih Indonesian citizen, 59 years old. Mr. Busthami earned a Bachelor
gelar Sarjana Hukum dari Universitas Indonesia pada tahun 1989 of Laws degree from the University of Indonesia in 1989 and
dan menyelesaikan gelar MBA di International University of Japan, completed his MBA from the International University of Japan,
Niigita, Jepang pada tahun 1997. Niigita, Japan in 1997.
Sebelumnya, beliau menjabat sebagai General Manager Previously, he served as General Manager of PT Bank Mandiri
PT Bank Mandiri (Persero) Tbk di Overseas Branch, Dili, Timor (Persero) Tbk's Overseas Branch in Dili, Timor Leste (2006-2008),
Leste (2006-2008), VP Pengembangan & Pengawasan Kantor VP of Development & Supervision of Overseas Branch Offices
Cabang Luar Negeri PT Bank Mandiri (Persero) Tbk (2008-2010), at PT Bank Mandiri (Persero) Tbk (2008-2010), and Executive
serta Executive Director di Bank Mandiri (Europe) Ltd, London Director at Bank Mandiri (Europe) Ltd, London (2010-2013).
(2010- 2013).
Pada tahun 2014, beliau ditugaskan sebagai SEVP Direktorat In 2014, he was assigned as SEVP of the Special Asset
Manajemen Aset Khusus dan Direktorat Perbankan Ritel PT Bank Management Directorate and Retail Banking Directorate at PT
Syariah Mandiri (2014-2016). Beliau melanjutkan karirnya sebagai Bank Syariah Mandiri (2014-2016). He continued his career as VP
VP Manajemen Aset Khusus di PT Bank Mandiri (Persero) Tbk of Special Asset Management at PT Bank Mandiri (Persero) Tbk
(2016-2022). (2016-2022).
Kemudian, beliau bergabung dan ditunjuk sebagai Komisaris He then joined and was appointed as President Commissioner
Utama Perseroan melalui Rapat Umum Pemegang Saham Luar of the Company through the Extraordinary General Meeting of
Biasa Bank Banten pada 2 Desember 2022, dan pada 25 Januari Shareholders of Bank Banten on December 2, 2022, and on
2023, beliau diangkat sebagai Direktur Utama Perseroan. January 25, 2023, he was appointed President Director of the
Company.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 81
Page 84
Profil Direksi
Board of Directors Profile
RODI JUDO DAHONO
Direktur Operasional
Director of Operations
Warga Negara Indonesia, usia 60 tahun. Bapak Rodi memperoleh Indonesian citizen, 60 years old. Mr. Rodi earned a Bachelor's
gelar Sarjana Akuntansi dari Universitas Negeri Sebelas Maret degree in Accounting from Universitas Negeri Sebelas Maret in
pada tahun 1992 dan melanjutkan studi untuk meraih gelar 1992 and went on to earn a Master's degree in Management from
Magister Manajemen di universitas yang sama pada tahun 2004. the same university in 2004.
Sebelumnya, beliau menjabat sebagai Area Micro Business Previously, he served as Area Micro Business (Cluster Manager)
(Cluster Manager) untuk wilayah DIY Yogyakarta di PT Bank for the Yogyakarta Special Region at PT Bank Mandiri (Persero)
Mandiri (persero) Tbk pada tahun 2011-2012, kemudian menjabat Tbk from 2011 to 2012, then as Area Micro Business (Cluster
sebagai Area Micro Business (Cluster Manager) untuk Semarang Manager) for Semarang at PT Bank Mandiri (Persero) Tbk from
di PT Bank Mandiri (persero) Tbk pada tahun 2012-2013, dan 2012 to 2013, and subsequently as AVP Micro Banking District
selanjutnya sebagai AVP Micro Banking District Center Manager Center Manager for Region XI (Bali & Nusa Tenggara) from 2013
untuk Wilayah XI (Bali & Nusa Tenggara) pada tahun 2013-2014. to 2014.
Pada tahun 2015, beliau diangkat sebagai AVP Micro Banking In 2015, he was appointed AVP Micro Banking Head for Region
Head untuk Wilayah XI (Bali & Nusa Tenggara) di PT Bank Mandiri XI (Bali & Nusa Tenggara) at PT Bank Mandiri (Persero) Tbk, a
(persero) Tbk dan menjabat hingga tahun 2018, lalu sebagai VP position he held until 2018. He then served as VP Regional Credit
Regional Credit & Business Development Head di PT Bank Mandiri & Business Development Head at PT Bank Mandiri (Persero) Tbk
(persero) Tbk pada periode 2018-2021. from 2018 to 2021.
Beliau kemudian bergabung dengan Perseroan dan ditunjuk He joined the Company and was appointed Director of Business
sebagai Direktur Bisnis berdasarkan keputusan Rapat Umum based on the resolution of Bank Banten's Extraordinary General
Pemegang Saham Luar Biasa Bank Banten pada 25 Januari 2023, Meeting of Shareholders on January 25, 2023. He was then
dan pada Rapat Umum Pemegang Saham Luar Biasa 14 November appointed Director of Operations at the Extraordinary General
2024, beliau diberikan tugas sebagai Direktur Operasional. Meeting of Shareholders on November 14, 2024.
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Profil Direksi
Board of Directors Profile
Profil Perusahaan ∙ Company Profile
BAMBANG WIDYATMOKO
Direktur Bisnis
Director of Business
Warga Negara Indonesia, usia 55 tahun. Bapak Bambang meraih Indonesian citizen, 55 years old. Mr. Bambang earned a Bachelor
gelar Sarjana Ekonomi dari Universitas Diponegoro Semarang of Economics degree from Universitas Diponegoro in Semarang in
pada tahun 1994 dan melanjutkan pendidikan dengan memperoleh 1994 and continued his education with a Master of Management
gelar Magister Manajemen di Universitas Esa Unggul Jakarta pada degree from Universitas Esa Unggul in Jakarta in 2004.
tahun 2004.
Sebelumnya, beliau menjabat sebagai Kepala Divisi Kredit Previously, he served as Head of the Commercial Credit Division at
Komersial di PT Bank Bukopin Tbk (2017-2018), GM Regional II PT Bank Bukopin Tbk (2017-2018), GM Regional II (West Java and
(Jawa Barat dan sebagian Jakarta) di PT Bank Bukopin Tbk (2018- parts of Jakarta) at PT Bank Bukopin Tbk (2018-2019), and GM
2019), serta GM Regional IV (Jawa Timur, Bali, Nusa Tenggara Regional IV (East Java, Bali, West Nusa Tenggara, and East Nusa
Barat, dan Nusa Tenggara Timur) di PT Bank Bukopin Tbk (2019- Tenggara) at PT Bank Bukopin Tbk (2019-2020).
2020).
Pada tahun 2020, beliau menjabat sebagai SVP Regional IV (Jawa In 2020, he served as Senior Vice President of Regional IV (East
Timur, Bali, Nusa Tenggara Barat, dan Nusa Tenggara Timur) Java, Bali, West Nusa Tenggara, and East Nusa Tenggara) at
di PT Bank Bukopin Tbk (2020-2021), dan melanjutkan karirnya PT Bank Bukopin Tbk (2020-2021), and continued his career as
sebagai SVP SME Regional V (Kalimantan, Sulawesi, dan Sorong) Senior Vice President of SME Regional V (Kalimantan, Sulawesi,
di PT Bank Bukopin Tbk (2021-2022). and Sorong) at PT Bank Bukopin Tbk (2021-2022).
Kemudian, beliau bergabung dan diangkat sebagai Direktur He then joined and was appointed as the Company's Director of
Operasional Perseroan dalam Rapat Umum Pemegang Saham Operations at Bank Banten's Extraordinary General Meeting of
Luar Biasa Bank Banten pada 2 Desember 2022. Selanjutnya, Shareholders on December 2, 2022. He was subsequently officially
dalam Rapat Umum Pemegang Saham Luar Biasa pada 14 appointed as the Director of Business at the Extraordinary General
November 2024, beliau resmi ditunjuk sebagai Direktur Bisnis. Meeting of Shareholders on November 14, 2024.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 83
Page 86
Profil Direksi
Board of Directors Profile
EKO VIRGIANTO
Direktur Kepatuhan
Compliance Director
Warga Negara Indonesia, usia 60 tahun. Bapak Eko memperoleh Indonesian citizen, 60 years old. Mr. Eko earned a Bachelor's
gelar Sarjana Teknik Arsitektur di Universitas Brawijaya pada 1991 degree in Architecture from Universitas Brawijaya in 1991 and
dan menyelesaikan gelar Magister Manajemen di Universitas completed his Master's degree in Management from Universitas
Indonesia pada 1993. Indonesia in 1993.
Sebelumnya, beliau ditugaskan oleh PT Bank Mandiri (persero) Previously, he was assigned by PT Bank Mandiri (Persero) Tbk to
Tbk untuk menjabat sebagai Kepala Divisi Commercial & Corporate serve as Head of the Commercial & Corporate Risk Assessment
Risk Assessment di PT Bank Syariah Mandiri pada tahun 2015- Division at PT Bank Syariah Mandiri from 2015 to 2016. In 2016,
2016. Pada tahun 2016, beliau kembali ke PT Bank Mandiri he returned to PT Bank Mandiri (Persero) Tbk and served as VP
(persero) Tbk dan menjabat sebagai VP Executive Credit Officer Executive Credit Officer until 2017, when he subsequently served
hingga 2017, lalu menjabat sebagai VP DH Corporate Risk 2 di PT as VP DH Corporate Risk 2 at PT Bank Mandiri (Persero) Tbk.
Bank Mandiri (persero) Tbk.
Pada tahun 2018, beliau menjabat sebagai SVP Executive Credit In 2018, he served as SVP Executive Credit Officer – B at PT
Officer – B di PT Bank Mandiri (persero) Tbk hingga 2019, dan Bank Mandiri (Persero) Tbk until 2019, and then served as SVP
kemudian menjabat sebagai SVP Executive Credit Officer – A di PT Executive Credit Officer – A at PT Bank Mandiri (Persero) Tbk from
Bank Mandiri (persero) Tbk dari 2019 hingga 2022. 2019 to 2022.
Kemudian, beliau bergabung dan diangkat sebagai Direktur He then joined and was appointed as the Company's Compliance
Kepatuhan Perseroan berdasarkan keputusan Rapat Umum Director based on the decision of Bank Banten's Extraordinary
Pemegang Saham Luar Biasa Bank Banten pada 25 Januari 2023 General Meeting of Shareholders on January 25, 2023.
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Pejabat Eksekutif
Executive Officers
Profil Perusahaan ∙ Company Profile
Kepala Divisi Audit Internal
• Warga Negara Indonesia
• Lahir di Banjarmasin 31 Maret 1977
• Usia 48 tahun
• Sarjana Ekonomi di Universitas Lambung Mangkurat Banjarmasin pada tahun 2000
• Tanggal Bergabung 27 Oktober 2011
Head of Internal Audit Division
• Indonesian citizen
• Born in Banjarmasin on March 31, 1977
• 48 years old
• Bachelor of Economics from Universitas Lambung Mangkurat, Banjarmasin in 2000 DEWI NOORIRDAWATI
• Joined on October 27, 2011
Kepala Divisi Sekretariat Perusahaan & Hukum
• Warga Negara Indonesia
• Lahir di Malang 3 April 1977
• Usia 48 tahun
• Magister Manajemen di Institut Pertanian Bogor pada tahun 2012
• Sarjana Teknik Sipil dan Perencanaan di Univesitas Trisakti pada Tahun 2001
• Tanggal Bergabung 10 Februari 2022
Head of Corporate Secretariat & Legal Division
• Indonesian citizen
• Born in Malang on April 3, 1977
• 48 years old FERDY ARDIAN
• Master of Management from Institut Pertanian Bogor in 2012
• Bachelor of Civil Engineering and Planning from Universitas Trisakti in 2001
• Joined on February 10, 2022
Kepala Divisi Perencanaan Akuntansi & Keuangan
• Warga Negara Indonesia
• Lahir di Padang Panjang 20 Januari 1969
• Usia 56 tahun
• Sarjana Ekonomi Jurusan Akuntansi di Universitas Diponegoro pada tahun 1997
• Tanggal Bergabung 01 Februari 2023
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Head of Accounting & Financial Planning Division
• Indonesian citizen
• Born in Padang Panjang on January 20, 1969
• 56 years old
• Bachelor of Economics majoring in Accounting from Universitas Diponegoro in 1997 PURBAJI BASUKI
• Joined on February 01, 2023
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Pejabat Eksekutif
Executive Officers
Kepala Divisi Teknologi Informasi
• Warga Negara Indonesia
• Lahir di Jakarta 20 Februari 1977
• Usia 48 tahun
• Sarjana Teknik di Universitas Gunadarma pada tahun 2001
• Tanggal Bergabung 01 April 2003
Head of Information Technology Division
• Indonesian Citizen
• Born in Jakarta on February 20, 1977
• 48 years old
DONALD FETERENCE • Bachelor of Engineering from Universitas Gunadarma in 2001
• Joined on April 01, 2003
Kepala Divisi Human Capital
• Warga Negara Indonesia
• Lahir di Serang 10 Agustus 1986
• Usia 39 tahun
• Sarjana Manajemen Bisnis di Institut Manajemen Telkom pada tahun 2009
• Tanggal Bergabung 13 September 2016
Head of Human Capital Division
• Indonesian Citizen
• Born in Serang on August 10, 1986
• 39 years old
TB FIRMAN TAUCHID • Bachelor of Business Management from Institut Manajemen Telkom in 2009
• Joined on September 13, 2016
Kepala Divisi Credit Review & Administrasi Kredit
• Warga Negara Indonesia
• Lahir di Palembang 31 Oktober 1970
• Usia 55 tahun
• Sarjana Ekonomi di Universitas Padjajaran pada tahun 1995
• Magister Manajemen di Universitas Tangerang Raya Tahun 2021
• Tanggal Bergabung 16 September 2016
Head of Credit Review & Credit Administration Division
• Indonesian Citizen
• Born in Palembang on October 31, 1970
IRFAN ARDINAL • 55 years old
• Bachelor of Economics from Universitas Padjajaran in 1995
• Master of Management from Universitas Tangerang Raya in 2021
• Joined on September 16, 2016
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Pejabat Eksekutif
Executive Officers
Profil Perusahaan ∙ Company Profile
Kepala Unit Kerja Khusus Umum
• Warga Negara Indonesia
• Lahir di Jakarta 12 Juni 1985
• Usia 40 tahun
• Sarjana Teknik Informatika dari Universitas Gunadarma pada tahun 2010
• Tanggal Bergabung 14 Agustus 2017
Head of General Special Work Unit
• Indonesian Citizen
• Born in Jakarta on June 12, 1985
• 40 years old
• Bachelor of Informatics Engineering from University Gunadarma in 2010 BELLY TARUNA UTAMA
• Joined on August 14, 2017
Kepala Divisi Operasional Jaringan & Layanan
• Warga Negara Indonesia
• Lahir di Jakarta 13 Agustus 1972
• Usia 53 tahun
• Sarjana Ekonomi dari Universitas Kristen Indonesia pada tahun 1995
• Tanggal Bergabung 01 Desember 2010
Head of Network Operations Division & Services
• Indonesian Citizen
• Born in Jakarta on August 13, 1972
• 53 years old
• Bachelor of Economics from Universitas Kristen Indonesia in 1995 RUDI HENDRAWAN
• Joined on December 01, 2010
Kepala Divisi Kepatuhan
• Warga Negara Indonesia
• Lahir di Jakarta 5 Maret 1977
• Usia 48 tahun
• Sarjana Ekonomi dari STIE Nusantara Indonesia pada tahun 1999
• Tanggal Bergabung 13 Maret 2000
Head of Compliance Division
• Indonesian citizen
• Born in Jakarta on March 5, 1977
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
• 48 years old
• Bachelor of Economics from STIE Nusantara Jakarta in 1999 HERLIANA
• Joined on March 13, 2000
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Pejabat Eksekutif
Executive Officers
Kepala Divisi Manajemen Risiko
• Warga Negara Indonesia
• Lahir di Jakarta 10 Februari 1974
• Usia 51 tahun
• Magister Manajemen dari Universitas Indonesia pada tahun 2003
• Tanggal Bergabung 24 Januari 2022
Head of Risk Management Division
• Indonesian citizen
• Born in Jakarta on February 10, 1974
• 51 years old
HARSHA INDRADEWA • Master of Management from Universitas Indonesia in 2003
• Joined on January 24, 2022
Kepala Unit Kerja Khusus Pengendalian Internal Pelaporan
• Warga Negara Indonesia
• Lahir di Aek Kanopan 14 November 1968
• Usia 57 tahun
• Sarjana Ekonomi Akuntansi dari Universitas Syiah Kuala pada tahun 1991
• Magister of Sains Ilmu Akuntansi dari Universitas Syiah Kuala pada tahun 2006
• Tanggal Bergabung 10 November 2025
Head of the Internal Control Reporting Special Work Unit
• Indonesian citizen
• Born in Aek Kanopan on November 14, 1968
HARIANTO • Age 57
• Bachelor of Economics in Accounting from Syiah Kuala University in 1991
• Master of Science in Accounting from Syiah Kuala University in 2006
• Join Date: November 10, 2025
Kepala Divisi Kredit
• Warga Negara Indonesia
• Lahir di Indramayu 19 Januari 1972
• Usia 53 tahun
• Sarjana Manajemen dari STIE Banten pada tahun 2005
• Tanggal Bergabung 26 Agustus 2016
Head of Credit Division
• Indonesian citizen
• Born in Indramayu on January 19, 1972
• 53 years old
MUH MUIS SUHAERI • Bachelor of Management from STIE Banten in 2005
• Joined on August 26, 2016
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Pejabat Eksekutif
Executive Officers
Profil Perusahaan ∙ Company Profile
Kepala Divisi Dana & Jasa
• Warga Negara Indonesia
• Lahir di Biak 12 April 1976
• Usia 49 tahun
• Sarjana Ekonomi dari Universitas Warmadewa pada tahun 1999
• Tanggal Bergabung 01 Juli 2024
Head of Fund & Service Division
• Indonesian citizen
• Born in Biak on April 12, 1976
• 49 years old
• Bachelor of Economics from Universitas Warmadewa in 1999 I GUSTI AYU NYOMAN RAI
• Joined on July 1, 2024
Kepala Divisi Penyelamatan & Penyelesaian Kredit
• Warga Negara Indonesia
• Lahir di Cirebon 17 Juli 1973
• Usia 52 tahun
• Sarjana Ekonomi dan Akuntansi dari Universitas Padjajaran Tahun 1998
• Tanggal Bergabung 01 Oktober 2017
Head of Credit Rescue & Settlement Division
• Indonesian citizen
• Born in Cirebon on July 17, 1973
• 52 years old
• Bachelor of Economics and Accountant from Universitas Padjajaran in 1998 FAJAR NURSETIAWAN
• Joined on October 1, 2017
Kepala Unit Kerja Khusus Treasury
• Warga Negara Indonesia
• Lahir di Belitung 5 Juli 1962
• Usia 63 tahun
• Sarjana Pertanian dari Universitas Sriwijaya
• Tanggal Bergabung 02 Oktober 2023
Head of Treasury Special Work Unit
• Indonesian citizen
• Born in Belitung on July 5, 1962
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
• 63 years old
• Bachelor of Agriculture from Universitas Sriwijaya MUGIHADI USMAN
• Joined on October 2, 2023
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Pejabat Eksekutif
Executive Officers
Kepala Unit Kerja Khusus Pengembangan Bisnis
• Warga Negara Indonesia
• Lahir di Serang 21 Januari 1988
• Usia 37 tahun
• Sarjana Manajemen dari Universitas Sultan Agung Tirtayasa pada tahun 2009 dan
Magister Akuntansi dari Universitas Sultan Agung Tirtayasa pada tahun 2021
• Tanggal Bergabung 28 Februari 2017
Head of Business Development Special Work Unit
• Indonesian citizen
• Born in Serang on January 21, 1988
RIDWAN SOLEHUDIN • 37 years old
• Bachelor of Management from Universitas Sultan Ageng Tirtayasa (UNTIRTA) in 2009
• Master of Accounting from Universitas Sultan Ageng Tirtayasa in 2021
• Joined on February 28, 2017
Kepala Divisi Layanan Bisnis Pemerintahan
• Warga Negara Indonesia
• Lahir di Cirebon 5 Maret 1973
• Usia 52 tahun
• Ahli Madya Keuangan dan Perbankan dari Akademi Keuangan dan Perbankan
Indonesia Bandung
• Tanggal Bergabung 1 Juni 2011
Head of Government Business Services Division
• Indonesian citizen
• Born in Cirebon on March 5, 1973
SOLIKHIN • Age 52
• Associate Expert in Finance and Banking from the Indonesian Banking and Finance
Academy, Bandung
• Joined Date: June 1, 2011
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Profil Perusahaan ∙ Company Profile
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Mesin Cetak Uang OERIDAB (Oeang Repoeblik Indonesia Daerah Banten) yang saat
ini berada di Kantor Pusat "Grha Bank Banten"
The OERIDAB (Republic of Indonesia Regional Currency of Banten) Money Printing
Machine is currently located at the “Grha Bank Banten” Head Office.
2025 Annual Report & Sustainability Report 91
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Daftar Keanggotaan Asosiasi
Association Memberships
Bank Banten tergabung dalam berbagai asosiasi dengan Bank Banten has joined associations whose memberships
keanggotaan yang tetap berlaku hingga tahun 2025, di are still valid until 2025, as follows:
antaranya:
Nama Asosiasi / Association Name Jabatan / Position
Asbanda Anggota / Member
OJK Anggota / Member
LAPSSJK Anggota / Member
FKDK BPDSI Anggota / Member
FKDKP Anggota / Member
FKIJK Anggota / Member
LAPSPI Anggota / Member
Ikatan Bankir Indonesia (IBI) Anggota / Member
FKDOP Anggota / Member
Demografi Karyawan
Employee Demography
Sepanjang tahun 2025, secara keseluruhan Perseroan Throughout the year 2025, the Company had a total
memiliki 904 karyawan yang mencakup anggota Dewan workforce of 904 employees, encompassing members
Komisaris, Direksi, dan Komite. Jumlah karyawan ini of the Board of Commissioners, Board of Directors, and
meningkat sebesar 5,73% dibandingkan jumlah karyawan Committees. This number represents an increase of 5.73%
tahun sebelumnya yakni 855 karyawan. compared to the preceding year’s total workforce of 855
employees.
Berikut adalah data demografi karyawan Perseroan The following is the Company’s employee demographic
yang mencakup jenis kelamin, usia, unit bisnis, jenjang data, including gender, age, business unit, education level,
pendidikan, level jabatan, dan status kepegawaian. job level, and employment status.
KOMPOSISI PEGAWAI BERDASARKAN EMPLOYEE COMPOSITION BASED ON
STATUS KEPEGAWAIAN EMPLOYMENT STATUS
2025 2024
Status Kepegawaian / Employment Status Laki-Laki / Perempuan / Laki-Laki / Perempuan /
Total Total
Male Female Male Female
Direksi dan Komisaris / Board of Directors and 6 1 7 6 0 6
Board of Commissioners
Pegawai tetap / Permanent employee 390 292 682 408 284 692
Masa Percobaan / Probation 0 1 1 0 0 0
Kontrak / Contract 71 141 212 45 110 161
Jasa Tenaga Ahli / Experts 2 0 2 2 0 2
TOTAL 469 435 904 461 394 855
92 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 95
Demografi Karyawan
Employee Demography
Profil Perusahaan ∙ Company Profile
KOMPOSISI BERDASARKAN USIA EMPLOYEE COMPOSITION BY AGE
2025 2024
Usia / Age Laki-Laki / Perempuan / Laki-Laki / Perempuan /
Total Total
Male Female Male Female
>55 Tahun / >55 years old 11 3 18 9 2 11
46-55 Tahun / 46-55 years old 137 41 181 126 36 162
41-45 Tahun / 41-45 years old 121 34 152 126 37 163
31-40 Tahun / 31-40 years old 118 112 219 126 89 215
>30 Tahun / >30 years old 82 244 334 74 230 304
TOTAL 469 435 904 461 394 855
KOMPOSISI BERDASARKAN JENJANG EMPLOYEE COMPOSITION BY EDUCATION
PENDIDIKAN
2025 2024
Tingkat Pendidikan Laki-Laki / Perempuan / Laki-Laki / Perempuan /
Total Total
Male Female Male Female
S3 / Doctoral Degree 1 1 2 1 0 1
S2 / Master's Degree 29 9 38 25 9 34
S1 / Bachelor's Degree 377 357 734 367 313 680
Diploma / Associate Degree 47 51 98 51 48 99
SMA dan Sederajat / Senior High School and 15 17 32 17 24 41
Equivalent
SMP / Junior High School 0 0 0 0 0 0
TOTAL 469 435 904 461 394 855
KOMPOSISI BERDASARKAN TINGKAT EMPLOYEE COMPOSITION BY POSITION
JABATAN
2025 2024
Jabatan Laki-Laki / Perempuan / Laki-Laki / Perempuan /
Total Total
Male Female Male Female
Direksi & Komisaris / Board of Directors and 6 1 7 6 0 6
Board of Commissioners
Staf Ahli / Expert Staff 2 0 2 2 0 2
Kepala Divisi / Head of Division 11 3 14 9 3 12
Kepala UKK / Head of UKK 3 0 3 3 0 3
Kepala Bagian / Head of Section 44 11 54 37 8 45
Kepala Cabang / Head of Branch 27 7 34 24 10 34
Manajer Operasional / Operational Manager 10 9 20 12 8 20
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Manajer Bisnis / Business Manager 14 6 20 15 5 20
SPV 25 10 38 23 11 34
Staff 327 388 712 330 349 679
TOTAL 469 435 904 461 394 855
2025 Annual Report & Sustainability Report 93
Page 96
Komposisi Pemegang Saham
Shareholders Composition
KELOMPOK PEMEGANG SAHAM YANG SHAREHOLDER GROUPS WITH MORE
MEMILIKI LEBIH DARI 5% SAHAM DI THAN 5% OF THE COMPANY'S SHARES
PERSEROAN
Pemegang Saham / % Jumlah Saham / Total Shares
Shareholders 2025 2024 2023 2025 2024 2023
Pemerintah Provinsi
Banten / Banten 66,11 66,11 - 34.289.755.661 34.289.755.661 -
Provincial Government
PT Banten Global
- . 66,11 - - 34.289.755.661
Development
KELOMPOK PEMEGANG SAHAM YANG GROUP OF SHAREHOLDERS WITH LESS
MEMILIKI KURANG DARI 5% SAHAM DI THAN 5% OF SHARES IN THE COMPANY
PERSEROAN
Pemegang Saham / % Jumlah Saham / Total Shares
Shareholders 2025 2024 2023 2025 2024 2023
Masyarakat / Public 33,84 33,89 33,89% 17.553.170.705 17.580.628.605 17.580.682.602
Bank Pembangunan 0,05 27.511.900 - -
Daerah Jawa Timur Tbk
JUMLAH PEMEGANG SAHAM NUMBER OF SHAREHOLDERS BY
BERDASARKAN KLASIFIKASI CLASSIFICATION
Jumlah Pemegang Saham /
Status Kepemilikan Total Shareholders Perubahan Jumlah Saham Persentase
2025 2024
Pemodal Nasional / Domestic Investors
Perorangan Indonesia / Indonesian 51.237 50.955 282 16.305.533.326 31,435%
Individual
Perseroan Terbatas / Limited Liabilities 86 71 15 827.282.903 1,595%
Company
Reksadana / Mutual Funds 3 4 -1 106.985.155 0,205%
Asuransi / Insurance 3 3 0 180.090 0,000%
Yayasan / Foundations 8 6 2 1.490.352 0,003%
Koperasi / Cooperatives 5 5 0 2.495.718 0,005%
Lain-Lain / Others 1 1 0 34.289.755.661 66,107%
Subtotal 1 51.343 51.045 298 51.533.723.205 99,351%
Pemodal Asing
Perorangan Asing / Foreign Individual 29 32 -3 34.640.810 0,067%
Badan Usaha Asing / Foreign Company 20 23 -3 302.074.251 0,582%
Lain-Lain / Others 0 - 0 0 0,000%
Subtotal 2 49 55 -6 336.715.061 0,649%
Total 51.392 51.100 292 51.870.438.266 100,000%
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Komposisi Pemegang Saham
Shareholders Composition
Profil Perusahaan ∙ Company Profile
ANGGOTA DIREKSI DAN DEWAN MEMBERS OF THE BOARD OF DIRECTORS
KOMISARIS YANG MEMILIKI SAHAM DI AND BOARD OF COMMISSIONERS WITH
PERSEROAN SHARES IN THE COMPANY
Sepanjang tahun 2025, tidak terdapat anggota Direksi yang Throughout 2025, no members of the Board of Directors
memiliki saham Perseroan, baik secara langsung maupun owned shares in the Company, either directly or indirectly.
tidak langsung.
20 PEMEGANG SAHAM TERBESAR 20 LARGEST SHAREHOLDERS OF THE
PERSEROAN COMPANY
No Nama Pemegang Saham / Shareholder Name %
1 Pemerintah Provinsi Banten / Banten Provincial Government 66,11
2 Santo 0,78
3 Rahman Kamaruddin 0,52
4 Christina Ko 0,50
5 Sumadi Rusli 0,47
6 Alexander Sugiman Tjioe 0,44
7 Minna Padi Investama Sekuritas,PT 0,43
8 Harsha Edwana Joesoef,MSC 0,43
9 Ningsih Wijayakusuma 0,38
10 UBS AG Singapore Non-Treaty Omnibus Account - 2091144090 0,38
11 Sam Indonesia, PT 0,37
12 Heryanto Salim 0,37
13 Cepi Jamaludin Malik 0,32
14 Suwito Talim 0,31
15 Dirga Sukses Sejahtera, PT 0,29
16 Andre Latidjah 0,29
17 Sena Alijanto 0,25
18 Jerry Hermawan, LO 0,25
19 Hendra Prastowo 0,24
20 Budi Hartono 0,23
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 95
Page 98
Struktur Hubungan Kepemilikan Saham Perseroan
Shareholding Structure of the Company
Pemerintah Provinsi Banten Pemerintah Provinsi Jawa Timur
Banten Provincial Government East Java Provincial Goverment
34.289.755.661 7.676.913.648
(66,11%) (51,13%)
PT Bank Pembangunan Daerah Jawa Timur Tbk Masyarakat
Public
27.511.900 17.553.170.705
(0,05%) (33,84%)
Berdasarkan PERDA Banten No. 5 Tahun 2023, Bank Based on Banten Regional Regulation No. 5 of 2023,
Banten resmi menjadi Badan Usaha Milik Daerah (BUMD) Bank Banten officially became a Regionally-Owned
Provinsi Banten dengan nama PT Bank Pembangunan Enterprise (BUMD) of Banten Province under the name
Daerah Banten (Perseroda) Tbk dan Pemprov Banten PT Bank Pembangunan Daerah Banten (Perseroda) Tbk,
sebagai Pemegang Saham Pengendali (PSP) melalui porsi with the Banten Provincial Government as the Controlling
saham 66,11 % Shareholder (PSP) with a 66.11% stake.
Melalui Kelompok Usaha Bank (KUB), Bank Jatim bertindak Through the Bank Business Group (KUB), Bank Jatim
sebagai induk KUB dan pemegang saham pengendali acts as the parent company of the KUB and the second
kedua setelah Pemprov Banten setelah Bank Jatim membeli controlling shareholder after the Banten Provincial
saham Bank Banten di pasar sekunder pada November Government after Bank Jatim purchased Bank Banten
2025, yang disahkan dalam RUPSLB Bank Banten pada 28 shares on the secondary market in November 2025. This
November 2025 dan resmi efektif per 15 Desember 2025. was ratified at the Bank Banten EGMS on November 28,
2025, and officially became effective on December 15,
2025.
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Kronologi Penerbitan Saham
Share Listing Chronology
Profil Perusahaan ∙ Company Profile
No. Tanggal / Date Keterangan / Description
1 22 Juni 2001 / Penawaran Umum Perdana (IPO) dilakukan dengan menerbitkan 277.500.000 lembar saham Seri
June 22, 2001 A, masing-masing bernilai nominal Rp100 per saham, dengan harga penawaran sebesar Rp140
per saham. / Initial Public Offering of 277,500,000 shares at a nominal value of Rp100 per share
(Series A) and offering price of Rp140 per share.
2 13 Juli 2001 / Pencatatan Saham di PT Bursa Efek Jakarta dengan kode Saham BEKS. / Listing on the Jakarta
July 13, 2001 Stock Exchange under the BEKS ticker code.
3 20 Juli 2005 / Peningkatan modal yang ditempatkan dan disetor penuh tanpa HMETD dari Rp77.500.000.000
July 20, 2005 menjadi Rp81.375.000.000. / Increase of fully issued and paid-in capital without Preemptive-Rights
from Rp77,500,000,000 to Rp81,375,000,000.
4 2 Desember 2008 / Peningkatan modal yang ditempatkan dan disetor penuh tanpa HMETD dari Rp81.375.000.000.
December 2, 2008 menjadi Rp85.375.000.000. / Increase of fully issued and paid-in capital without Preemptive-Rights
from Rp81,375,000,000 to Rp85,375,000,000.
5 30 Juni 2010 / Peningkatan modal melalui Penawaran Umum Terbatas (HMETD) I dengan menerbitkan
June 30, 2010 5.122.500.000 lembar saham Seri A, dengan nilai nominal Rp100 dan harga penawaran Rp100
per saham. / Capital Increase through Limited Public Offering (with Preemptive Rights) I by issuing
5,122,500,000 registered as Series A shares at an offering value of Rp100 per share.
6 6 Juli 2010 / Persetujuan pencatatan saham hasil Penawaran Umum Terbatas (HMETD) I di Bursa Efek
July 6, 2010 Indonesia berdasarkan Surat PT Bursa Efek Indonesia Nomor S-04207/BEI.PPJ/07-2010. /
Approval of Share Listing from a Limited Public Offering (with Preemptive Rights) I on the Indonesia
Stock Exchange through the Letter of PT Bursa Efek Indonesia No. S-04207/BEI.PPJ/07-2010.
7 15 September 2011 / Peningkatan modal melalui Penawaran Umum Terbatas (HMETD) II dengan menerbitkan
September 15, 2011 sebanyak-banyaknya 4.980.208.333 lembar saham Seri A, dengan nilai nominal Rp100 dan harga
penawaran Rp100 per saham. / Capital Increase through Limited Public Offering (with Preemptive
Rights) II by issuing maximum 4,980,208,333 registered as Series A shares at an offering value of
Rp100 per share.
8 21 September 2011 / Persetujuan pencatatan saham hasil Penawaran Umum Terbatas (HMETD) II di Bursa Efek
September 21, 2011 Indonesia berdasarkan Surat PT Bursa Efek Indonesia Nomor S-06418/BEI.PPJ/09-2011. /
Approval of Share Listing from a Limited Public Offering (with Preemptive Rights) II on the Indonesia
Stock Exchange through the Letter of PT Bursa Efek Indonesia No. S-06418/BEI.PPJ/09-2011.
9 30 Agustus 2012 / Peningkatan modal melalui Penawaran Umum Terbatas (HMETD) III dengan menerbitkan
August 30, 2012 sebanyak-banyaknya 2.499.798.302 lembar saham Seri A, dengan nilai nominal Rp100 per saham
dan harga penawaran Rp120 per saham. / Capital Increase through Limited Public Offering (with
Preemptive Rights) III by issuing maximum 2,499,798,302 registered as Series A shares at an
offering value of Rp120 per share.
10 5 September 2012 / Persetujuan Pencatatan Saham Hasil Penawaran Umum Terbatas (HMETD) III di Bursa Efek
September 5, 2012 Indonesia melalui Surat PT Bursa Efek Indonesia Nomor S-06138/BEI. PPJ/09-2012. / Approval
of Share Listing from a Limited Public Offering (with Preemptive Rights) III on the Indonesia Stock
Exchange through the Letter of PT Bursa Efek Indonesia No. S-06138/BEI.PPJ/09-2012.
11 29 Juli 2016 / Peningkatan Modal melalui Penawaran Umum Terbatas (HMETD) IV dengan menerbitkan
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
July 29, 2016 sebanyak-banyaknya 35.416.600.785 lembar saham baru Seri B dengan nilai nominal Rp18 dan
dengan harga penawaran Rp18,35 per saham. / Capital increase through Limited Public Offering
(with Preemptive Rights) IV by issuing maximum 35,416,600,785 of new registered Series B shares
at an offering value of Rp18.35 per share.
12 8 Agustus 2016 / Persetujuan Pencatatan Saham Hasil Penawaran Umum Terbatas (HMETD) IV di Bursa Efek
August 8, 2016 Indonesia melalui Surat PT Bursa Efek Indonesia Nomor S-04871/BEI.PP1/08-2016. / Approval
of Share Listing from a Limited Public Offering (with Preemptive Rights) IV on the Indonesia Stock
Exchange through the Letter of PT Bursa Efek Indonesia No. S-04871/BEI.PP1/08-2016.
2025 Annual Report & Sustainability Report 97
Page 100
Kronologi Penerbitan Saham
Share Listing Chronology
No. Tanggal / Date Keterangan / Description
13 24 November 2016 / Peningkatan Modal melalui Penawaran Umum Terbatas (HMETD) V dengan menerbitkan
November 24, 2016 sebanyak-banyaknya 17.937.712.419 lembar saham Seri B dengan harga nominal Rp18 dan
dengan harga penawaran Rp18,35 per saham. / Capital increase through Limited Public Offering
(with Preemptive Rights) V by issuing maximum 17,937,712,419 registered as Series B shares at
an offering value of Rp18.35 per share.
14 1 Desember 2016 / Persetujuan Pencatatan Saham Hasil Penawaran Umum Terbatas (HMETD) V di Bursa Efek
December 1, 2016 Indonesia melalui Surat PT Bursa Efek Indonesia Nomor S-07472/BEI. PP1/12-2016. / Approval
of Share Listing from a Limited Public Offering (with Preemptive Rights) V on the Indonesia Stock
Exchange through the Letter of PT Bursa Efek Indonesia No. S-07472/BEI.PP1/12-2016.
15 30 November 2020 / Persetujuan Pelaksanaan Penggabungan Nilai Nominal Saham (Reverse Stock) dan Pencatatan
November 30, 2020 Saham Hasil Penggabungan Saham (Reverse Stock) tersebut di Bursa Efek Indonesia melalui
Surat PT Bursa Efek Indonesia Nomor S-07429/BEI. PP1/11-2020. Rasio penggabungan nilai
nominal saham adalah 10 (sepuluh) saham dengan nilai nominal lama menjadi 1 (satu) satuan
perdagangan saham dengan nilai nominal baru, dengan demikian nilai nominal saham Seri A yang
semula Rp100 menjadi Rp1.000 dan nilai nominal saham Seri B yang semula Rp18 menjadi Rp180.
/ Approval for the Implementation of the Merger of Nominal Value of Shares (Reverse Stock) and
the Listing of Shares Resulting from the Stock Merger (Reverse Stock) on the Indonesian Stock
Exchange through PT Bursa Efek Indonesia Letter Number S-07429/BEI.PP1/11-2020. The ratio
of combining the nominal value of shares is 10 (ten) shares with the old nominal value to 1 (one)
trading unit of shares with the new nominal value, thus the nominal value of Series A shares which
was originally Rp100 becomes Rp1,000 and the nominal value of Series B shares which was
originally Rp18 becomes Rp180.
16 8 Desember 2020 / Peningkatan Modal melalui Penawaran Umum Terbatas (HMETD) VI dengan menerbitkan
December 8, 2020 sebanyak-banyaknya 60.820.296.006 lembar saham baru Seri C dengan nilai nominal Rp50 dan
dengan harga penawaran Rp50 per saham. / Increase of Capital through Limited Public Offering
(HMETD) VI by issuing as much as 60,820,296,033 shares of Series C with offering prices or
Rp50.00 per share.
17 16 Desember 2020 / Persetujuan Pencatatan Saham Hasil Penawaran Umum Terbatas (HMETD) VI di Bursa Efek
December 16, 2020 Indonesia melalui Surat PT Bursa Efek Indonesia Nomor S-07827/BEI. PP1/12-2020. / Approval
of Shares Listing of Limited Public Offering (HMETD)VI at the Indonesia Stock Exchange through
Letter of PT. Bursa Efek Indonesia No. S-07827/BEI.PP/12-2020.
18 30 September 2021 / Peningkatan Modal melalui Penawaran Umum Terbatas (HMETD) VII dengan menerbitkan
September 30, 2021 sebanyak-banyaknya 23.388.895.089 lembar saham Seri C dengan nilai nominal Rp50 dan dengan
harga penawaran Rp77 per saham. / Capital Increase through Limited Public Offering (HMETD)
VII by issuing a maximum of 23,388,895,089 Series C shares with a nominal value of Rp50 and an
offering price of Rp77 per share.
19 6 Oktober 2021 / Persetujuan Pencatatan Saham Hasil Penawaran Umum Terbatas (HMETD) VII di Bursa Efek
October 6, 2021 Indonesia melalui Surat PT Bursa Efek Indonesia Nomor S-07242/BEI. PP1/10-2021. / Approval of
Shares Listing of Limited Public, Offering (HMETD) VII at the Indonesia Stock Exchange through
Letter of PT. Bursa Efek Indonesia No. S-07242/BEI.PP1/10-2021.
98 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 101
Kronologi Pencatatan Efek Lainnya
Chronology of Other Securities Listing
Profil Perusahaan ∙ Company Profile
Sepanjang tahun 2025, Bank Banten tidak menerbitkan As of December 31, 2024, Bank Banten (BEKS) has not
instrumen efek seperti obligasi, sukuk, obligasi konversi, issued securities instruments such as bonds, sukuk,
atau efek lainnya di bursa efek. Dengan demikian, tidak convertible bonds, or other securities on the stock exchange.
terdapat laporan kronologis pencatatan efek yang dapat Thus, there is no chronological report on the recording of
disampaikan pada laporan ini. securities that can be submitted in this report.
Akuntan Publik
Public Accountant
Penetapan Akuntan Publik untuk Perseroan dilakukan The appointment of a Public Accountant for the Company is
berdasarkan keputusan Rapat Umum Pemegang Saham carried out based on the resolution of the General Meeting
(RUPS) pada 10 April 2025. Untuk tahun buku 2025, sesuai of Shareholders (GMS) on April 10, 2025. For the 2024
dengan keputusan RUPS, Kantor Akuntan Publik yang fiscal year, in accordance with the decision of the GMS, the
ditunjuk adalah KAP Kanaka Puradireja, Suhartono yang appointed Public Accountant Office is Kanaka Puradireja,
berlokasi di Wisma Bumiputra Lt.12, Jl. Jendral Sudirman Suhartono, located at Wisma Bumiputra Lt.12, Jl. Jendral
Kav.75 Setiabudi, Jakarta Selatan. Sudirman Kav.75 Setiabudi, Jakarta Selatan.
Akuntan Publik / Kantor Akuntan Publik / Biaya Jasa Audit / Jasa Lain yang Diberikan Audit /
Tahun
Public Accountant Public Accounting Firm Audit Fee Other Services
2025 Florus Daeli, Kanaka Puradiredja, Rp550.000.000 Jasa audit laporan keuangan
SE, Ak, MM, CA, CPA, Suhartono untuk periode 31 Desember 2025 /
CRA, CLI, CFI, CACP, Financial statement audit services for
ASEAN CPA the period of December 31, 2025
2024 Harris Siregar, Kanaka Puradiredja, Rp650.000.000 Jasa audit laporan keuangan
SE, Ak, CA, CPA, CPA Suhartono untuk periode 31 Desember 2024 /
Financial statement audit services for
the period of December 31, 2024
2023 Harris Siregar, Kanaka Puradiredja, Rp630.000.000 Jasa audit laporan keuangan
SE, Ak, CA, CPA, CPA Suhartono untuk periode 31 Desember 2023 /
Financial statement audit services for
the period of December 31, 2023
Lembaga dan/atau Profesi Penunjang
Pasar Modal Lainnya
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Capital Market Supporting Institutions and/or Professionals
Nama & Alamat / Name and Address Jasa / Services
PT Raya Saham Registra Plaza Sentral Building Lt.2 Jl. Jenderal Biro Administrasi Efek / Share Registrar
Sudirman 47-8, Karet Semanggi Jakarta 1293
2025 Annual Report & Sustainability Report 99
Page 102
Alamat Kantor dan/atau Kantor
Cabang Atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Lokasi Kantor /
No Status Alamat Kantor / Office Address No. Telp
Office Location
Kantor Pusat / Head Office
1 Kantor Pusat Grha Bank Banten Jl. Veteran No.4, Kel Cipare, Kec. Serang, Kota (0254) 7914966
/ Head Office Serang - Banten
Kantor Cabang
2 KC Serang Jl. Ahmad Yani No. 116 A-B Kel. Serang, Kec. Serang, (0254) 229400 / 229500 /
Kota Serang, Banten - 42116 229600 / 229700
3 KC Tangerang Ruko Modern Golf Shop House No.9i, Jln. Hartono (021) 59728755
Raya Modernland, Kel. Kelapa Indah, Kec. Tangerang,
Kota Tangerang, Banten - 15117
4 KC Tangerang Selatan Jl. Ciater Raya No. 18 A-C Kel. Rawa Mekarjaya, Kec. (021) 75672245 /
Serpong, Kota Tangerang Selatan, Banten - 15310 75672355
5 KC Balaraja Perum Citra Raya, Ruko Taman Puspita Blok H.1 (021) 22597165 /
No. 18-19 Kel. Cikupa Kec. Cikupa Kab. Tangerang, 22596940 / 22597339
Banten -15710
6 KC Rangkasbitung Jl. RA Kartini No. 45-47 Kel. Muara Ciujung Timur, (0252) 5552042
Kec. Rangkasbitung, Kab. Lebak, Banten - 42314
7 KC Pandeglang Jln. Raya Serang RT. 001 RW. 011 Kampung Kadu (0253) 5554257
Pundak, Kel. Pandeglang, Kec. Pandeglang, Kab.
Pandeglang, Banten - 42211
8 KC Cilegon Jl. Sultan Ageng Tirtayasa No. 17 RT. 003 RW. 012 0254 7815244 / 7815122
Kel. Jombang Wetan, Kec. Jombang, Kota, Cilegon, / 7814991
Banten - 42411
9 KC Pondok Indah Jl. Sultan Iskandar Muda No.79 C RT.004 RW.005 (021) 22772822 /
Kelurahan Kebayoran Lama Selatan, Kecamatan 22772815
Kebayoran Lama, Kota Jakarta Selatan, DKI Jakarta
- 12240
10 KC Sangaji Jl. Biak No.37, RT.3 / RW.6, Cideng, Kecamatan (021) 22633100 /
Gambir, Kota Jakarta Pusat, Daerah Khusus Ibukota 22633122
Jakarta 10150
11 KC Kelapa Gading Jl. Boulevard Raya Blok FY-1 No. 16-17 Kelapa (021) 4535888
Gading Timur, Kec. Kelapa Gading, Kota Jakarta
Utara, DKI Jakarta - 14240
12 KC Denpasar Jl. Raya Puputan, Pertokoan duta Wijaya, No. 2-3, (0361) 268899 / 267788
Desa Renon, Kecamatan Denpasar Selatan, Kota
Denpasar, Bali - 80226
13 KC Makassar Jl. AP. Pettarani Ruko Sardonix 1 – 2 Ramayana (0411) 4092491 /
Bussiners Center Kel. Masale, Kec. Panakkukang, 4098597 / 4098979
Kota Makassar
14 KC Manado Kawasan Mega Mas Ruko Blok 1F 1 No 16-17 Jl. (0431) 8806633
Piere Tendean, Kel. Titiwungen Selatan, Kec. Sario,
Kota Manado, Sulawesi Utara - 95113
15 KC Bandung Jl. Astana Anyar No. 42-44, Kel. Cibadak, Kec. Astana (022) 6030776
Anyar, Kota Bandung, Jawa Barat - 40241
16 KC Malang Jl. Letjen Sutoyo No.108 Kelurahan Bunulrejo, (0341) 4366318
Kecamatan Blimbing, Kota Malang, Jawa Timur -
65123
17 KC Semarang Jl. Ahmad Yani No. 136 A, Kel. Karangkidul, Kec. (024) 76444681
Semarang Tengah, Kota Semarang, Jawa Tengah -
50241
18 KC Surabaya Jln. Raya Ngagel, Kel. Ngagel, Kec. Wonokromo, Kota (031) 99537300
Surabaya, Jawa Timur - 60246
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Alamat Kantor dan/atau Kantor Cabang Atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Profil Perusahaan ∙ Company Profile
Lokasi Kantor /
No Status Alamat Kantor / Office Address No. Telp
Office Location
19 KC Yogyakarta Jl. Laksda Adi Sucipto No. 32-34, Kel. Demangan, (0274) 554543
Kec. Gondokusuman, Kota Yogyakarta, DIY - 55221
20 KC Medan Jl. Insinyur Haji Juanda No. 53, Kelurahan Jati, (061) 4515586 / 4142269
Kecamatan Medan Maimun, Kotamadya Medan, / 4515826
Sumatera Utara - 20152
21 KC Palembang Jl. Jendral Sudirman Km. 3,5, No.2413, RT.017, RW. (0711) 5733338 /
004, Kelurahan 20 Ilir III, Kecamatan Ilir Timur I, Kota 5733553 / 5733418
Palembang, Sumatera Selatan - 30129
Kantor Cabang Pembantu (KCP) Wilayah Banten / Supporting Branch Office in the Banten Region
22 KCP Palima Jl. Syech Nawawi Al-Bantani No. 1, Kel. Sukawarna, (0254) 7823499 /
Kec. Curug, Kota Serang, Banten 7823501
23 KCP Kramatwatu Jl. Raya Serang - Cilegon Km. 10, Desa Pejaten, Kec. 0254-7942919
Kramatwatu, Kab. Serang, Banten - 42161
24 KCP Veteran Serang Jl. Veteran No.4, Kel Cipare, Kec. Serang, Kota (0254) 7914966
Serang - Banten
25 KCP RSUD Serang Jl. Syeh Nawawi Al Bantani, Kelurahan Banjarsari, (0254) 7822279
Kecamatan Cipocok Jaya, Kota Serang, Banten 42121
26 KCP KP3B Serang Jl. Syech Nawawi Al-Bantani No.1 (Komp. KP3B Prov. 0254 - 7823770
Banten), Kel. Sukajaya, Kec. Curug, Kota Serang,
Banten - 42171
27 KCP Bapenda Jl. Syech Nawawi Al-Bantani No.48 (Komp. KP3B 0254 - 7823978
Prov. Banten), Kel. Sukajaya, Kec. Curug, Kota
Serang, Banten - 42171
28 KCP Ciledug Jl. KH. Hasyim Ashari RT 004 RW 006 Kel. Pinang, (021) 73460477
Kec. Pinang, Kota Tangerang - 15145
29 KCP Ciputat Jl. RE Martadinata Ruko 2D RT. 003 RW. 013, Kel. 021-22742226
Ciputat, Kec. Ciputat, Kota Tangerang Selatan –
Banten 15411
30 KCP Bintaro Ruko Kebayoran Arcade 1 Blok C3 No 56 Jl Boulevard (021) 27622000 /
Bintaro Jaya, Kel. Pondok Jaya, Kec. Pondok Aren, 27622300
Tangerang Selatan - 15224
31 KCP Alam Sutera Jl Jalur Sutera Kavling 49D No 47 Alam Sutera, Kel. (021) 50200361 /
Pakualam, Kec. Serpong Utama, Kota Tangerang 50200362
Selatan, Banten - 15320
32 KCP BSD Ruko Tol Boulevard Blok B No 23 BSD City, Kel. (021) 55698540 /
Rawa Buntu, Kec. Serpong, Kota Tangerang Selatan, 55698541
Banten - 15318
33 KCP Jatiuwung Ruko BBC@Jatake Soll Marina Blok A 17 Jln. Gatot (021) 55665438 /
Subroto Km. 5,3 Kel. Gandasari, Kec. Jatiuwung, Kota 55665403 / 55665440
Tangerang, Banten - 15137
34 KCP Gading Serpong Ruko Paramount 5th Avenue Blok A No. 33, Gading (021) 59995528 /
Serpong, Kel. Kelapa Dua, Kec. Kelapa Dua, Kab. 59995527 / 59995526 /
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Tangerang, Banten - 15811 59995525
35 KCP Puspemkab Tangerang Komplek Pemerintahan Kabupaten Tangerang, -
Gedung Sekda Jl. H. Somawinata No.1 Kadu Agung,
Tigaraksa, Kab. Tangerang
36 KCP Malingping Kp. Polotot Utara RT 001 RW 001 Desa Malingping (0252) 5605081 /
Selatan, Kec. Malingping, Kabupaten Lebak, Banten 5605059
- 42391
2025 Annual Report & Sustainability Report 101
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Alamat Kantor dan/atau Kantor Cabang atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Lokasi Kantor /
No Status Alamat Kantor / Office Address No. Telp
Office Location
37 KCP Maja Kampung Gubugan No. 31, RT / RW. 001 / 003, Desa (0252) 5554230
Maja, Kecamatan Maja, Kabupaten Lebak, Banten -
42382
38 KCP Panimbang Jln. Raya Tanjung Lesung Km.01, Kampung Paniis, RT (0253) 5808734 /
001 RW 014 Desa Panimbang Jaya, Kec. Panimbang, 5808993
Kabupaten Pandeglang , Banten - 42281
39 KCP Labuan Jl. Jenderal Sudirman No. 79 Labuan, Desa Labuan, (0253)5809930 / 5809972
Kecamatan Labuan, Kabupaten Pandeglang, Provinsi
Banten - 42260
DAFTAR ALAMAT SAMSAT LIST OF ONE-STOP ADMINISTRATIVE
SYSTEM OFFICE ADDRESSES
Kantor Cabang/Kcp
Pengelola / Branch
No Status Lokasi Kantor / Office Location Alamat Kantor / Office Address Office/Supporting
Branch Office
Management
1 KF UPT SAMSAT Kota Serang Jl. Syech Nawawi Al-Bantani No.20, Kel. KC Serang
/ Serang City’s One-Stop Banjarsari, Kec. Cipocok Jaya, Kota Serang,
Integrated Administration System Banten - 42123
2 KF UPT SAMSAT Ciruas / One-Stop Jl. Raya Serang Jakarta Km 6, Desa Plawad, Kec.
Integrated Administration System Ciruas, Kab. Serang, Banten - 42182
Unit for Ciruas
3 KF Gerai SAMSAT Pamarayan / Jl. Raya Bojong Loa Harendong No.01 Desa
Papayaran One-Stop Integrated Pamarayan, Kec. Pamarayan, Kab. Serang,
Administration System Outlet Banten - 42172
4 KF Gerai SAMSAT Ramayana / Jl. Veteran No.6 Serang PT. Mandiri maju sentosa
Ramayana One-Stop Integrated lt basement mall ramayana, kotabaru, kec.
Administration System Outlet Serang, kota serang, banten - 42112
5 KF Gerai SAMSAT Kepandean / JL. Letnan Jidun RT.002/009 (Depan Pasar/
Kepandean One-Stop Integrated Terminal Kepandean), Kel. Lontar Baru, Kec.
Administration System Outlet Serang, Kota Serang, Banten - 42112
6 KF Gerai SAMSAT MPP Kota JL. M.syafei, Kp. Cilandung, Kel. Kotabaru, Kec.
Serang (DPMPTSP) / Serang Serang, Kota Serang, Banten - 42112
City Public Service Mall One-
Stop Administration System
(DPMPTSP) Outlet
7 KF Gerai SAMSAT Cikande / JL Raya Jakarta- Serang Km 69, No 1, Pasir
Cikande One-Stop Integrated Limus, Kel. Cikande, Kec. Cikande, Kab. Serang,
Administration System Outlet Banten - 42186
8 KF Gerai SAMSAT Kramatwatu Jl. Raya Serang - Cilegon Km. 10, Desa Pejaten,
/ Kramatwatu One-Stop Kec. Kramatwatu, Kab. Serang, Banten - 42161
Administration System Outlet
9 KF Gerai SAMSAT Drive Thru Ciruas Jl. Raya Serang Jakarta Km 6, Desa Plawad, Kec.
/ Ciruas Drive Thru One-Stop Ciruas, Kab. Serang, Banten - 42182
Administration System Outlet
10 KF Gerai SAMSAT Padarincang Jl. Palka Km. 33 Kampung Cisauk, Kec.
/ Padarincang One-Stop Padarincang, Kab. Serang, Banten - 42168
Administration System Outlet
102 Laporan Tahunan & Laporan Keberlanjutan 2025
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Alamat Kantor dan/atau Kantor Cabang atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Profil Perusahaan ∙ Company Profile
Kantor Cabang/Kcp
Pengelola / Branch
No Status Lokasi Kantor / Office Location Alamat Kantor / Office Address Office/Supporting
Branch Office
Management
11 KF UPT SAMSAT Ciledug / Jl. Raden Fatah Km. 1, Kel. Sudimara Barat, Kec. KC Kota Tangerang
Technical Implementation Unit of Ciledug, Kota Tangerang, Banten - 15151
the Ciledug One-Roof Integrated
Administration System
12 KF UPT SAMSAT Cikokol / Jl. Perintis Kemerdekaan IIIA No.2B Babakan,
Technical Implementation Unit of Kel. Cikokol, Kec. Tangerang, Kota Tangerang,
the Cikokol One-Roof Integrated Banten - 15117
Administration System
13 KF Gerai SAMSAT Batu Ceper Jl. Daan Mogot (Dekat Kantor Kecamatan), Kel.
/ Batu Ceper One-Stop Batu Ceper, Kec. Batu Ceper, Kota Tangerang,
Administration System Outlet Banten - 15122
14 KF Gerai SAMSAT Modernland Ruko Modern Golf Shop House No.9i, Jln. Hartono
/ Modernland One-Stop Raya Modernland, Kel. Kelapa Indah, Kec.
Administration System Outlet Tangerang, Kota Tangerang, Banten - 15117
15 KF Gerai SAMSAT Mall @Alam Mall @Alam Sutera Lantai Lg 1 Jl. Jalur Sutera
Sutera / Mall @Alam Sutera Barat Kav. 16 Kel Panunggangan Timur, Kec.
One-Stop Administration System Pinang Kota Tangerang, Banten - 15143
Outlet
16 KF Gerai SAMSAT Perum / Perum Jl. Prambanan Raya No.1A RT 006 RW 012
One-Stop Administration System Cibodas Baru, Kec. Cibodas, Kota Tangerang
Outlet
17 KF Gerai SAMSAT GIANT Kreo Giant Kreo Ciledug Lt. Gf, Jl. Kh. Wahid Hasyim,
/ GIANT Kreo One-Stop Petukangan, Kel. Kreo Selatan, Kec. Larangan,
Administration System Outlet Kota Tangerang, Banten - 15156
18 KF Gerai SAMSAT Corner Mall CBD Cbd Ciledug Jl. Hos Cokrominoto No. 93 Kel.
/ CBC Corner Mall One-Stop Karang Tengah, Kec. Karang Tengah, Kota
Administration System Outlet Tangerang, Banten - 15157
19 KF Gerai SAMSAT Cipondoh Jl. KH. Hasyim Ashari No.46 Kel. Nerogtog, Kec.
/ Cipondoh One-Stop Pinang, Kota Tangerang, Banten - 15145
Administration System Outlet
20 KF Gerai SAMSAT MPP Kota Pusat Pemerintahan Kota Tangerang, Jl. Satria
Tangerang / Tangerang City Sudirman No. 1, Kel. Sukaasih, Kec. Tangerang,
Public Service Mall’s One-Stop Kota Tangerang, Banten - 15111
Integrated Administration System
Outlet
21 KF Gerai SAMSAT Teluk Naga Ruko Airport City No. A2-D Jl. Raya Kampung
/ Teluk Naga One-Stop Melayu Timur, Kel. Kp Melayu Timur, Kec. Teluk
Administration System Outlet Naga, Kab. Tangerang, Banten - 15510
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 103
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Alamat Kantor dan/atau Kantor Cabang atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Kantor Cabang/Kcp
Pengelola / Branch
No Status Lokasi Kantor / Office Location Alamat Kantor / Office Address Office/Supporting
Branch Office
Management
22 KF UPT SAMSAT Ciputat / Jl. RE Marta Dinata No.10, Kel. Cipayung, Kec. KC Tangerang
Technical Implementation Unit of Ciputat, Kota Tangerang Selatan, Banten - 15411 Selatan
the Ciputat One-Roof Integrated
Administration System
23 KF UPT SAMSAT Serpong / Jl. Civic Center Blok 405 No. 5 Sektor IV BSD,
Technical Implementation Unit of Kel. Lengkong Gudang, Kec. Serpong, Kota
the Serpong One-Roof Integrated Tangerang Selatan, Banten - 15321
Administration System
24 KF Gerai SAMSAT Bintaro / Ruko Kebayoran Arcade 1 Blok C3 No 56 Jl
Bintaro One-Stop Integrated Boulevard Bintaro Jaya, Kel. Pondok Jaya, Kec.
Administration System Outlet Pondok Aren, Tangerang Selatan, Banten - 15224
25 KF Gerai SAMSAT Cinere / Jl. Limo Raya No.60 Kel. Limo, Kec. Limo, Kota
Cinere One-Stop Integrated Depok- Jawa Barat - 16512
Administration System Outlet
26 KF Gerai SAMSAT Plaza Bintaro Bintaro Plaza Lt.2 Jl. Bintaro Utama 3a Kel.
Jaya / Bintaro Jaya Plaza One- Pondok Karya, Kec. Pondok Aren, Kota Tangerang
Stop Integrated Administration Selatan, Banten - 15225
System Outlet
27 KF Gerai SAMSAT Graha Ruko Cornelia, Pasar Segar Graha Raya, Kel.
Raya Bintaro / Graha Raya Pondok Jagung Timur Kec. Serpong Utara, Kota
Bintaro One-Stop Integrated Tangerang Selatan, Banten - 15326
Administration System Outlet
28 KF Gerai SAMSAT Ciater / Jl. Ciater Raya No. 18 A-C Kel. Rawa Mekarjaya,
Ciater One-Stop Integrated Kec.Serpong, Kota Tangerang Selatan, Banten -
Administration System Outlet 15310
29 KF Gerai SAMSAT Pamulang Jalan Siliwangi No. B7/5 Kel. Pamulang Barat,
Square / Pamulang Square One- Kec. Pamulang, Kota Tangerang Selatan, Banten
Stop Integrated Administration - 15417
System Outlet
104 Laporan Tahunan & Laporan Keberlanjutan 2025
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Alamat Kantor dan/atau Kantor Cabang atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Profil Perusahaan ∙ Company Profile
Kantor Cabang/Kcp
Pengelola / Branch
No Status Lokasi Kantor / Office Location Alamat Kantor / Office Address Office/Supporting
Branch Office
Management
30 KF UPT SAMSAT Balaraja / Jl. Raya Perahu, Kel. Sukamulya, Kec. Sukamulya, KC Balaraja
Technical Implementation Unit of Kab. Tangerang, Banten - 15612
the Balaraja One-Roof Integrated
Administration System
31 KF Gerai SAMSAT Pasar Kemis JL. Raya Otonom Cikupa - Pasar Kemis No. 99
/ Pasar Kemis One-Stop Desa. Sukaharja Rt02 Rw.02 Kec. Sindang Jaya,
Integrated Administration System Kabupaten Tangerang, Banten - 15561
Outlet
32 KF Gerai SAMSAT Kronjo / JL. Raya Kronjo-Mauk Kp Pagedangan Udik Ds.
Kronjo One-Stop Integrated Pagedangan Udik, Kec. Kronjo, Kab Tangerang,
Administration System Outlet Banten - 15550
33 KF Gerai SAMSAT Jatiuwung / Ruko BBC@Jatake Soll Marina Blok A 17 Jln.
Jatiuwung One-Stop Integrated Gatot Subroto Km 5,3 Kel. Gandasari, Kec.
Administration System Outlet Jatiuwung, Kota Tangerang, Banten - 15137
34 KF Gerai SAMSAT Supermall Supermall Lt Ug A8 No2-3 Jl. Boulevard
Karawaci / Supermall Diponegoro No.105, Kel. Bencongan, Kec. Kelapa
Karawaci One-Stop Integrated Dua, Kab. Tangerang, Banten - 15811
Administration System Outlet
35 KF Gerai SAMSAT Curug / Ruko Golden Karawaci Desa Sukabakti, Kec.
Curug One-Stop Integrated Curug. Kab. Tangerang, Banten - 15810
Administration System Outlet
36 KF Gerai SAMSAT Sepatan / Ruko Golden City R2 No 11 Jl Raya Mauk Km.9
Sepatan One-Stop Integrated (Belakang Klinik Medika), Kel. Sepatan, Kec.
Administration System Outlet Sepatan, Kab. Tangerang, Banten - 15520
37 KF Gerai SAMSAT Sangiang / Ruko Sangiang Square Jl. Moh Toha Km 36
Sangiang One-Stop Integrated Blok B No.100, Sangiang Jaya, Kec.periuk, Kota
Administration System Outlet Tangerang, Banten - 15132
38 KF Gerai SAMSAT Gembong / Jl. Raya Serang Km 34 No1, Kel. Gembong, Kec.
Gembong One-Stop Integrated Balaraja, Kab. Tangerang, Banten - 15610
Administration System Outlet
39 KF UPT SAMSAT Kelapa Dua / Jl. Scientia Boulevard, Gading Serpong G Town
Technical Implementation Unit Square, Kel. Curug Sangerang, Kec. Kelapa Dua,
of the Kelapa Dua One-Roof Kab. Tangerang, Banten - 15811
Integrated Administration System
40 KF Gerai SAMSAT Kelapa Dua / Sumarecon Gading Serpong Ruko Glaze Blok
Kelapa Dua One-Stop Integrated B No.31, Jl. Raya Boulevard. Kelapa Dua, Kec.
Administration System Outlet Kelapa Dua, Kab. Tangerang, Banten - 15811
41 KF Gerai SAMSAT MPP Citra Raya Mall Ciputra Cikupa Jl. Citra Raya Boulevard No.1
Cikupa / Citra Raya Cikupa Kel. Ciakar, Kec. Panongan, Kab. Tangerang,
Integrated Service Mall One-Stop Banten - 15711
Administration System Outlet
42 KF Gerai SAMSAT Samsat Jl. Raya Serpong - Cisauk, Sampora, Kec. Cisauk,
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Intermoda / Intermodal One-Stop Kabupaten Tangerang, Banten 15345 LT 2
Integrated Administration System
Outlet
2025 Annual Report & Sustainability Report 105
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Alamat Kantor dan/atau Kantor Cabang atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Kantor Cabang/Kcp
Pengelola / Branch
No Status Lokasi Kantor / Office Location Alamat Kantor / Office Address Office/Supporting
Branch Office
Management
43 KF UPT SAMSAT Rangkasbitung Jl. Langlang Buana, Pasir Ona, Rangkasbitung KC Rangkas Bitung
/ Technical Implementation Unit Timur, Kec. Rangkasbitung, Kab. Lebak, Banten
of the Rangkasbitung One-Roof - 42313
Integrated Administration System
44 KF UPT SAMSAT Malingping / Jl. Raya Binuangeun - Malingping No. 89 Desa
Technical Implementation Unit Sukamanah, Kec. Malingping, Kab. Lebak, Banten
of the Malingping One-Roof - 42391
Integrated Administration System
45 KF Gerai SAMSAT Cipanas / Jl. Raya Cipanas Km 36 No.35, Desa Sipayung,
Cipanas One-Stop Integrated Kel. Cipanas, Kabupaten Lebak, Banten - 42372
Administration System Outlet
46 KF Gerai SAMSAT Maja / Maja One- Jl. Raya Maja / Jasinga (Depan Polsek Maja)
Stop Integrated Administration Kampung Maja Pasar Kecamatan Maja Kabupaten
System Outlet Lebak, Banten - 42382
47 KF Gerai SAMSAT Gunung Kencana Jl. Raya Dederan, Kampung Gunungbilul,
/ Gunung Kencana One-Stop Kecamatan Gunung Kencana, Kabupaten Lebak,
Integrated Administration System Banten - 42354
Outlet
48 KF Gerai SAMSAT Bayah / Jl. Raya Bayah-Cikotok, Desa Bayah Barat, Kec.
Bayah One-Stop Integrated Bayah, Kab. Lebak - Banten 42393
Administration System Outlet
49 KF Gerai SAMSAT Sonten (samson) JL. Sunan Kalijaga No. 4 Muara Ciujung Barat,
/ Sonten One-Stop Integrated Kec. Rangkasbitung, Kab. Lebak, Banten - 42311
Administration System Outlet
50 KF Gerai SAMSAT Banjarsari / JL. Raya Malingping, Jalupang, Kec. Banjarsari,
Banjarsari One-Stop Integrated Kab. Lebak, Banten - 42355
Administration System Outlet
51 KF Gerai SAMSAT Cilograng / JL. Raya Bayah Cibareno Km 25 Gunung Batu
Cilograng One-Stop Integrated III RT. 001 RW. 003 Desa Gunung Batu, Kec.
Administration System Outlet Cilograng, Lebak, Banten - 42398
52 KF Gerai SAMSAT MPP Kab JL. Soekarno-Hatta, Kel. Kaduagung Tengah,
Lebak / Lebak Regency Public Kec. Cibadak, Kab. Lebak, Banten - 42317
Service Mall One-Stop Integrated
Administration System Outlet
53 KF UPT SAMSAT Pandeglang / Jl. Raya Labuan Km.3 (Term Abd.Hakim) Kel. KC Pandeglang
Technical Implementation Unit Sukaratu, Kec. Majasari, Kab. Pandeglang,
of the Pandeglang One-Roof Banten - 42217
Integrated Administration System
54 KF Gerai SAMSAT Saketi / Jl. Raya Labuan Km 18 Kp. Saketi Pasir RT/RW
Saketi One-Stop Integrated 01/01 Kec. Saketi, Kab. Pandeglang, Banten -
Administration System Outlet 42278
55 KF Gerai SAMSAT Kadu Merak / Jl. Raya Serang Km 1 Desa Kadu Merak, Kec.
Kadu Merak One-Stop Integrated Karang Tanjung, Kab. Pandeglang, Banten -
Administration System Outlet 42213
56 KF Gerai SAMSAT Panimbang / Rest Area Ciseukeut (Depan Kantor Desa
Panimbang One-Stop Integrated Mekarsari) Kec Panimbang, Kab. Pandeglang,
Administration System Outlet Banten - 42281
106 Laporan Tahunan & Laporan Keberlanjutan 2025
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Alamat Kantor dan/atau Kantor Cabang Atau Kantor Perwakilan
Addresses of the Office and/or Branch Offices or Representative Offices
Profil Perusahaan ∙ Company Profile
Kantor Cabang/Kcp
Pengelola / Branch
No Status Lokasi Kantor / Office Location Alamat Kantor / Office Address Office/Supporting
Branch Office
Management
57 KF Gerai SAMSAT MPP Pandeglang JL Ahmad Satriawijaya No 1 Kel. Pandeglang,
/ Pandeglang Public Service Kec. Pandeglang, Kab. Pandeglang, Banten -
Mall One-Stop Integrated 42211
Administration System Outlet
58 KF UPT SAMSAT Cilegon / Jl. Raya Merak Km.3 No.19, Tegal Wangi, Kel. KC Cilegon
Technical Implementation Unit Gerem, Kec. Gerogol, Kota Cilegon, Banten -
of the Pandeglang One-Roof 42436
Integrated Administration System
59 KF Gerai SAMSAT Anyer / Jl. Raya Anyer Sirih No. 6 Desa Anyer, Kec. Anyar,
Anyer One-Roof Integrated Kab. Serang, Banten - 42166
Administration System Outlet
60 KF Gerai SAMSAT Cibeber / Ruko Monalisa, Jl. Raya Serang No. 8 Blok. B6,
Cibeber One-Roof Integrated Kel. Cibeber, Kec. Cibeber, Kota Cilegon, Banten
Administration System Outlet - 42423
61 KF Gerai SAMSAT Bojonegara / Kp. Gendong Rt.02/01. Desa Bojonegara, Kec.
Bojonegara One-Roof Integrated Bojonegara, Kab. Serang, Banten - 42454
Administration System Outlet
62 KF Gerai SAMSAT Ramanuju / Jl. Letjen Suprapto No.7 Kel. Ramanuju, Kec.
Ramanuju One-Roof Integrated Purwakarta, Kota Cilegon, Banten - 42431
Administration System Outlet
63 KF Gerai SAMSAT MPP Kota Gedung Graha Edhi Praja Lt.1 Jln. Jend. Sudirman
Cilegon / Cilegon City Public No.2, Kel. Ramanuju, Kec. Purwakarta, Kota
Service Mall One-Roof Cilegon, Banten - 42431
Integrated Administration System
Outlet
64 KF Gerai SAMSAT POLDA Metro Gedung Samsat Jakarta Selatan Lantai 1 Jl. KC Pondok Indah
Jaya / Metro Jaya Regional Jendral Sudirman No. 55 Rt.5 Rw.3, Kel. Senayan,
Police One-Stop Integrated Kec. Kebayoran Baru, Kota Jakarta Selatan, Dki
Administration System Outlet Jakarta - 12190
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 107
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Informasi Website Perseroan Company Website Information Sebagai bentuk kepatuhan terhadap peraturan OJK No. 8/ As a means of the Company’s compliance with regulations POJK.04/2015 mengenai situs web emiten atau perusahaan imposed by OJK No. 8/POJK.04/2015 concerning issuer or public publik, Perseroan telah mengembangkan dan melengkapi situs company websites, the Company has prepared and completed the resmi perusahaan, yaitu www.bankbanten.co.id, dengan berbagai Company’s website, namely www.bankbanten.co.id with several informasi penting, meliputi: important information as follows: 1. Profil Perusahaan 1. Company Profile 2. Aspek Tata Kelola Perusahaan 2. Corporate Governance Aspects 3. Informasi Kepemilikan 3. Ownership Information 4. Informasi Keuangan 4. Financial Information 5. Aksi Korporasi & Keterbukaan 5. Aksi Korporasi & Keterbukaan Beberapa informasi yang dicantumkan dalam situs resmi Some of the information listed on the Company’s official website Perusahaan, antara lain: includes: • Identitas Perusahaan • Company identity • Profil Manajemen • Management Profile • Informasi Pemegang Saham • Shareholder Information • Kronologi Pencatatan Saham • Chronology of Share Listing • Jaringan Kantor dan ATM • Office and ATM Network • Produk dan Layanan • Products and Services • Mobile Banking • Mobile Banking • Laporan Keuangan Tahunan terpisah selama 5 tahun terakhir • Separate Annual Financial Reports for the last 5 years • GCG • GCG • Pedoman Tata Kelola Perusahaan • Corporate governance • Kode Etik • Code of Ethics • Berita dan Siaran Pers • News and Press Releases • Tanggung Jawab Sosial Perusahaan • Corporate social responsibility • Sistem Pelaporan Pelanggaran (Whistle Blowing System) • Whistle Blowing System 108 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 111
Keterbukaan Informasi terkait Asset Sale/Buy
Keterbukaan Informasi terkait Asset Sale/Buy
Profil Perusahaan ∙ Company Profile
Sebagai salah satu strategi dalam akselerasi pertumbuhan Sebagai salah satu strategi dalam akselerasi pertumbuhan
bisnis, Bank Banten melaksanakan pembelian portofolio bisnis, Bank Banten melaksanakan pembelian portofolio
aset kredit konsumtif/multiguna melalui kerjasama aset kredit konsumtif/multiguna melalui kerjasama
perjanjian jual beli piutang dengan Bank BJB berdasarkan perjanjian jual beli piutang dengan Bank BJB berdasarkan
Perjanjian Kredit No. 34 Tanggal 28 Agustus 2025 dengan Perjanjian Kredit No. 34 Tanggal 28 Agustus 2025 dengan
nilai sebesar Rp1 Triliun dengan jangka waktu penarikan nilai sebesar Rp1 Triliun dengan jangka waktu penarikan
12 bulan sejak tanggal perjanjian kredit, adapun terhadap 12 bulan sejak tanggal perjanjian kredit, adapun terhadap
terjasama tersebut telah dilakukan penarikan sebanyak terjasama tersebut telah dilakukan penarikan sebanyak
3 kali dengan rincian sebagai berikut: 3 kali dengan rincian sebagai berikut:
Tahap Nominal Penarikan (Rp) NoA Tanggal
1 107.753.482.160 1.082 30/09/2025
2 95.229.044.111 1.069 24/10/2025
3 323.215.133.218 3.022 19/12/2025
Total 526.197.659.489 5.173
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 109
Page 112
LAPORAN TAHUNAN & KEBERLANJUTAN 20 ANNUAL REPORT & SUSTAINABILITY REPORT 25
Page 113
04
Tinjauan Unit
Pendukung
Bisnis
Overview on Business
Supports
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
Page 114
Sumber Daya Manusia Human Capital Bank Banten memandang bahwa sumber daya manusia Bank Banten regards human capital (HC) as a critical factor in (SDM) merupakan faktor penting dalam mendukung supporting the achievement of the Company's performance pencapaian kinerja Perusahaan di tahun 2025. Pengelolaan in 2025. The management of HC at Bank Banten is guided SDM Bank Banten mengacu pada peraturan perundang- by applicable laws, regulations, and prevailing guidelines. undangan dan pedoman yang berlaku. Bank Banten Bank Banten continuously reviews the HC management senantiasa melakukan pengkajian terhadap kebijakan policies implemented by the Company, with the results pengelolaan SDM yang diterapkan Perusahaan. Hasil of such evaluations serving as the basis for continuous evaluasi tersebut kemudian dijadikan bahan perbaikan bagi improvement in future HC management. pengelolaan SDM di masa mendatang. Pengelolaan sumber daya manusia dilaksanakan secara Human capital management is carried out prudently and bijaksana dan bertanggung jawab sebagai bagian responsibly as part of the Company's commitment to dari komitmen Perusahaan dalam mengembangkan developing employee potential. Bank Banten regularly potensi karyawan. Bank Banten secara rutin melakukan conducts HC development initiatives to cultivate a pengembangan SDM guna menciptakan yang SDM professional and competent workforce across all areas of profesional dan kompeten dibidangnya. the business. 112 Laporan Tahunan & Laporan Keberlanjutan 2025
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Sumber Daya Manusia
Human Capital
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
KOMITMEN TATA KELOLA SUMBER DAYA HUMAN CAPITAL GOVERNANCE
MANUSIA COMMITMENT
Sebagai bagian dari strategi pertumbuhan berkelanjutan, As part of its sustainable growth strategy, Bank Banten is
Bank Banten berkomitmen menerapkan tata kelola Sumber committed to implementing human capital governance that
Daya Manusia yang transparan, akuntabel, dan berbasis is transparent, accountable, and competency-based. HC
kompetensi. Pengelolaan SDM dilakukan secara terencana management is carried out in a planned manner through
melalui proses rekrutmen yang selektif, pengembangan selective recruitment processes, continuous competency
kompetensi yang berkelanjutan, serta sistem penilaian development, and an objective and equitable performance
kinerja yang objektif dan adil. Komitmen ini bertujuan appraisal system. This commitment aims to build a
membangun insan perusahaan yang profesional dan professional and adaptive workforce capable of responding
adaptif terhadap perubahan, sehingga mampu mendukung to change, thereby supporting the achievement of the
pencapaian visi serta pertumbuhan Perusahaan secara Company's vision and its sustainable growth.
berkelanjutan.
DEMOGRAFI KARYAWAN EMPLOYEE DEMOGRAPHICS
Informasi demografi karyawan Bank Banten pada tahun Information on the employee demographics of Bank Banten
2025 dapat dilihat pada bab Profil Perusahaan dalam for 2025 can be found in the Company Profile section of this
Laporan Tahunan ini. Annual Report.
KEBIJAKAN PENGELOLAAN DAN HC MANAGEMENT AND DEVELOPMENT
PENGEMBANGAN SDM POLICY
Pengelolaan sumber daya manusia Bank Banten dimulai Human capital management at Bank Banten starts
dari rekrutmen hingga pensiun. Dipandu oleh kebijakan from recruitment through to retirement. Guided by a
yang komprehensif, Perusahaan memastikan kepatuhan comprehensive policy framework, the Company ensures its
terhadap semua peraturan ketenagakerjaan yang relevan compliance with all relevant labor regulations in Indonesia.
di Indonesia.
Selain itu, Bank Banten menerapkan kerangka In addition, Bank Banten applies a clear competency
kompetensi dan uraian tugas yang jelas, memanfaatkan framework and job descriptions, utilizing a competency
kamus kompetensi untuk kriteria penempatan dan dictionary as the basis for placement and employment
ketenagakerjaan. Dengan penerapan ini, kesenjangan apa criteria. Under this framework, any identified gaps are
pun diatasi melalui inisiatif pendidikan dan pelatihan yang addressed through ongoing education and training
berkelanjutan, dengan memanfaatkan semua potensi yang initiatives, making full use of all available potential.
ada.
Yang mengawasi proses ini adalah Divisi Human Overseeing this process is the Human Capital Division,
Capital yang dipercaya mengelola SDM. Dengan terus which is entrusted with the management of human capital.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
mengedepankan inovasi, divisi ini merancang program Through a continued emphasis on innovation, the Division
pengembangan SDM agar selaras dengan lanskap bisnis designs HC development programs that are aligned with the
yang berkembang, kebutuhan Bank Banten, dan harapan evolving business landscape, the needs of Bank Banten,
nasabah. and the expectations of its customers.
2025 Annual Report & Sustainability Report 113
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Sepanjang tahun 2025, Divisi Human Capital menjalankan Throughout 2025, the Human Capital Division implemented
serangkaian kebijakan lain, sebagai berikut: a number of additional policies, as follows:
• Sebagai pendukung komitmen Bank Banten dalam • In support of Bank Banten's commitment to implementing
penerapan Sistem Manajemen Anti Penyuapan the Anti-Bribery Management System (SMAP), the
(SMAP), Divisi Human Capital mendukung penerapan Human Capital Division contributed to the implementation
SMAP di antaranya dengan menerapkan proses of SMAP by, among other things, applying robust
rekrutmen, promosi dan mutasi serta menyediakan recruitment, promotion, and transfer processes, as
program peningkatan kompetensi karyawan terkait well as providing employee competency enhancement
dengan implementasi SMAP. programs related to SMAP implementation.
• Implementasi kebijakan Laporan Harta Kekayaan • Implementation of the State Officials' Wealth Report
Pejabat Negara (LHKPN) dalam mendukung (LHKPN) policy in support of the Bank's role as a
implementasi Bank sebagai Bank Pembangunan Daerah Regional Development Bank (BPD) that is free from
(BPD) yang bebas dari korupsi, kolusi, nepotisme dan corruption, collusion, nepotism, and other conduct
tindakan lainnya yang bertentangan dengan peraturan contrary to applicable laws and regulations.
perundang-undangan.
• Secara continue melakukan review terhadap kebijakan • Conducting continuous reviews of the employee
remunerasi karyawan sebagai bentuk perhatian Bank remuneration policy as a reflection of the Bank's
terhadap kesejahteraan karyawan yang diakomodir commitment to employee welfare, accommodated
dalam bentuk pemberian gaji, tunjangan, fasilitas through the provision of salaries, allowances, healthcare
kesehatan, asuransi dan fasilitas lainnya. facilities, insurance, and other benefits.
• Penyediaan fasilitas Kredit Karyawan sebagai bentuk • Provision of an Employee Loan facility as a form of
dukungan kesejahteraan pegawai yang dikelola secara employee welfare support, managed prudently through
prudent melalui skema kompetitif, analisis kelayakan, a competitive scheme, feasibility analysis, and a payroll
dan mekanisme payroll deduction. Sepanjang tahun deduction mechanism. Throughout the year, credit
berjalan, kualitas kredit terjaga dengan kolektibilitas quality was maintained at a sound level with good
yang baik, sehingga mendukung produktivitas sekaligus collectability, thereby supporting employee productivity
menjaga prinsip kehati-hatian dan keberlanjutan usaha. while upholding the principles of prudence and business
sustainability.
ORGAN TATA KELOLA SDM HUMAN CAPITAL GOVERNANCE BODY
Pengelolaan SDM di lingkungan Perusahaan berada di Human capital management within the Company falls
bawah tanggung jawab Komite Human Capital. Komite under the responsibility of the Human Capital Committee.
Human Capital dibentuk berdasarkan Surat Keputusan The Human Capital Committee was established pursuant to
Direksi No. 2025/SK/DIR-BB/XII/2024 tanggal 6 Desember Board of Directors' Decree No. 2025/SK/DIR-BB/XII/2024
2024 sebagai komite di bawah Direksi yang bertugas dated 6 December 2024, as a committee under the Board
memberikan pertimbangan strategis di bidang Human of Directors tasked with providing strategic considerations
Capital. Pembentukan komite ini bertujuan memastikan in the field of Human Capital. The establishment of this
pengelolaan sumber daya manusia berjalan optimal, committee aims to ensure that human capital management
terarah, dan selaras dengan Rencana Bisnis Bank. is carried out optimally, in a structured manner, and in
alignment with the Bank's Business Plan.
Komite Human Capital berada di bawah dan bertanggung The Human Capital Committee operates under and is
jawab langsung kepada Direksi, dengan struktur dan directly accountable to the Board of Directors, with the
keanggotaan sebagai berikut : following structure and membership:
114 Laporan Tahunan & Laporan Keberlanjutan 2025
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: Direktur Operasional / Operations Director
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Ketua Komite
/ Committee
Chairperson
Sekretaris / : Kepala Divisi yang membidang Human Capital (ex-officio) / Head of Division overseeing Human Capital
Secretary (ex-officio) Permanent Members
Anggota Tetap : 1. Direktur Utama / President Director
/ Permanent 2. Direktur Bisnis / Business Director
Members 3. Direktur Kepatuhan / Compliance Director
Anggota Tidak : 1. Seluruh Kepala Divisi (ex-officio) atau / All Division Heads (ex-officio); or
Tetap / Non- 2. PUK/Unit Kerja/Pihak Terkait dan/atau Pihak Lainnya yang mengetahui dan memahami agenda atau
Permanent permasalahannya / Work Units/Relevant Units/Related Parties and/or Other Parties who have knowledge
Members of and familiarity with the agenda or
Adapun informasi terkait Profil Ketua Komite Human Capital The following sets out information regarding the Profile of
adalah sebagai berikut: the Human Capital Committee Chairperson:
RODI JUDO DAHONO
Ketua Komite Human Capital / Chairman of the Human Capital Committee
Profil Bapak Rodi Judo Dahono telah disajikan pada Bab Profil Perusahaan dalam
Laporan Tahunan ini.
The profile of Mr. Rudi Judo Dahono has been presented in the Company Profile
chapter of this Annual Report.
Ruang Lingkup Tugas dan Wewenang Scope of Duties and Authorities
Komite Human Capital memiliki fungsi utama dalam tiga The Human Capital Committee holds a primary function
area strategis: across three strategic areas:
1. Fungsi Planning, meliputi evaluasi dan rekomendasi 1. Planning Function, encompassing the evaluation and
kebijakan serta strategi di bidang: recommendation of policies and strategies in the areas
of:
a. Rekrutmen dan pemenuhan kebutuhan SDM; a. Recruitment and fulfillment of Human Capital needs;
b. Pelatihan dan pengembangan kompetensi; b. Training and competency development;
c. Kompensasi dan benefit; c. Compensation and benefits;
d. Hubungan industrial dan internalisasi budaya kerja. d. Industrial relations and internalization of work
culture.
2. Fungsi Disiplin, yaitu memberikan pertimbangan dan 2. Discipline Function, namely providing considerations
rekomendasi atas penanganan pelanggaran karyawan, and recommendations on the handling of employee
termasuk klarifikasi, usulan sanksi, dan corrective action, violations, including clarification, proposed sanctions,
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
dengan tetap memperhatikan ketentuan peraturan and corrective action, while adhering to the provisions of
perusahaan, kode etik, serta peraturan perundang- company regulations, the code of ethics, and applicable
undangan yang berlaku laws and regulations.
3. Fungsi Manajemen Talenta dan Kinerja, mencakup 3. Talent and Performance Management Function,
pemberian rekomendasi terkait: encompassing the provision of recommendations
pertaining to:
2025 Annual Report & Sustainability Report 115
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a. Promosi, mutasi, rotasi, dan demosi; a. Promotion, transfer, rotation, and demotion;
b. Penilaian kinerja berbasis metode yang objektif dan b. Performance appraisal based on objective methods
selaras dengan Balanced Scorecard; aligned with the Balanced Scorecard;
c. Program penghargaan dan retensi talenta guna c. Reward programs and talent retention to sustain
menjaga keberlanjutan kinerja organisasi organizational performance.
Mekanisme Rapat Komite Human Capital Human Capital Committee Meeting Mechanism
Komite Human Capital melaksanakan rapat sekurang- The Human Capital Committee convenes at least two
kurangnya dua kali dalam satu tahun atau sesuai kebutuhan. meetings a year or as necessary. A meeting is deemed
Rapat dinyatakan kuorum apabila dihadiri minimal 51% quorate when attended by a minimum of 51% of invited
dari anggota yang diundang. Keputusan diambil secara members. Decisions are reached through deliberation and
musyawarah untuk mufakat atau berdasarkan suara consensus, or by majority vote should consensus not be
terbanyak apabila mufakat tidak tercapai. Seluruh hasil achieved. All meeting outcomes are recorded in minutes
rapat dituangkan dalam risalah dan dimonitor tindak lanjut and their follow-up implementation is monitored by the
pelaksanaannya oleh Sekretaris Komite. Committee Secretary.
Selama tahun 2025, Komite Human Capital telah Throughout 2025, the Human Capital Committee held a
menyelenggarakan rapat sebanyak 6 (enam) kali, dengan total of 6 (six) meetings, with the details of the Committee
rincian pelaksanaan Rapat Komite sebagai berikut : Meeting proceedings as follows:
Tanggal Pelaksanaan
No Agenda Rapat / Meeting Agenda
/ Date
1 21 Januari 2025 / • Remunerasi Karyawan, BOD/BOC / Employee, BOD/BOC Remuneration
January 21, 2025 • SOP Lembur / Overtime SOP
• SOP Pendidikan & Pelatihan / Education & Training SOP
2 19 Mei 2025 / • Efisiensi Lembur / Overtime Efficiency
May 19, 2025 • Penetapan Definitif Pejabat Sementara / Definitive Appointment of Acting Officials
• Perjalanan Dinas / Business Travel
• Tunjangan keahlian / Expertise Allowance
3 10 Juli 2025 / Pembahasan Evaluasi Struktur Organisasi Bank Banten / Discussion on the Evaluation of Bank
July 10, 2025 Banten’s Organizational Structure
4 27 Agustus 2025 / • Pembahasan Pelaksanaan KPI Tahun 2024 dan Tengah Tahun 2025 / Overtime Efficiency
August 27, 2025 • Struktur Organisasi / Organizational Structure
5 18 September 2025 / • LKS Bipartit / Bipartite Labor-Management Cooperation (LKS Bipartit)
September 18, 2025 • Remunerasi / Remuneration
• Struktur Organisasi / Organizational Structure
6 6 Oktober 2025 / Struktur Organisasi / Organizational Structure
October 6, 2025
7 18 Desember 2025 / Pembahasan Usulan Penetapan Pejabat Struktural Hasil Evaluasi Struktur Organisasi Baru /
December 18, 2025 Discussion on the Proposed Appointment of Structural Officials Based on the Evaluation of the
New Organizational Structure
Direksi melakukan evaluasi atas kinerja Komite Human The Board of Directors evaluates the performance of the
Capital sekurang-kurangnya setiap akhir tahun buku. Human Capital Committee at least at the end of each fiscal
Pedoman dan Tata Tertib Kerja Komite ditinjau secara year. The Committee's Guidelines and Rules of Procedure
berkala, minimal sekali dalam tiga tahun, guna memastikan are reviewed periodically, at a minimum of once every three
relevansi dan efektivitasnya dalam mendukung Tata Kelola years, to ensure their continued relevance and effectiveness
Perusahaan yang Baik. in supporting Good Corporate Governance.
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PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Pengembangan kompetensi merupakan pilar strategis Competency development serves as a strategic pillar
dalam memperkuat kapabilitas organisasi dan memastikan in strengthening organizational capability and ensuring
keberlanjutan pertumbuhan usaha. Bank Banten the sustainability of business growth. Bank Banten views
memandang pengembangan kompetensi sebagai proses competency development as an integrated and continuous
terintegrasi dan berkelanjutan untuk meningkatkan process aimed at enhancing employees' knowledge, skills,
pengetahuan (knowledge), keterampilan (skills), dan sikap and attitude, so as to align with the direction of business
(attitude) karyawan agar selaras dengan arah transformasi transformation, the dynamics of the financial industry, and
bisnis, dinamika industri keuangan, serta tuntutan tata the increasingly prudent demands of corporate governance.
kelola yang semakin prudent.
Dalam mendukung pertumbuhan Bank Banten dan In support of Bank Banten's growth and the strengthening
penguatan daya saing, pengembangan kompetensi of its competitive position, competency development plays
memiliki peran strategis dengan tujuan sebagai berikut : a strategic role with the following objectives:
1. Meningkatkan Produktivitas dan Kinerja Karyawan 1. Enhancing Employee Productivity and Performance
2. Mendukung Strategi Bisnis dan Inovasi 2. Supporting Business Strategy and Innovation
3. Meningkatkan Kepuasan dan Retensi Karyawan 3. Improving Employee Satisfaction and Retention
4. Mempersiapkan Pemimpin Masa Depan (Succession 4. Preparing Future Leaders (Succession Planning)
Planning)
5. Meningkatkan Daya Saing Organisasi 5. Strengthening Organizational Competitiveness
6. Memastikan Kepatuhan terhadap Regulasi dan Standar 6. Ensuring Compliance with Regulations and Industry
Industri Standards
Dalam pelaksanaannya, Divisi Human Capital berperan In its implementation, the Human Capital Division serves as
sebagai strategic partner dan pengendali kebijakan a strategic partner and oversees the integrated competency
pengembangan kompetensi yang terintegrasi dengan development policy in alignment with the business
arah bisnis dan transformasi organisasi. Pengelolaan direction and organizational transformation. Competency
pengembangan kompetensi dilakukan secara terstruktur development management is carried out in a structured
melalui pembagian peran yang jelas antar fungsi, guna manner through a clear delineation of roles across functions,
memastikan efektivitas, keberlanjutan, dan dampak in order to ensure effectiveness, sustainability, and impact
terhadap kinerja perusahaan, sebagai berikut : on Company performance, as follows:
1. Bagian HC Training & Rekrutmen, berfokus pada 1. HC Training & Recruitment Section, focused on the
pengembangan kompetensi teknis, fungsional, dan development of technical, functional, and leadership
kepemimpinan melalui program pendidikan dan pelatihan competencies through education and training programs
yang dirancang berbasis Training Need Analysis (TNA), designed on the basis of Training Needs Analysis (TNA),
hasil manajemen kinerja, serta kebutuhan strategis performance management outcomes, and the Bank's
Bank. Program pembelajaran dilaksanakan melalui strategic requirements. Learning programs are delivered
pendekatan blended learning, coaching, dan on-the-job through a blended learning approach, coaching, and on-
development untuk memastikan transfer of knowledge the-job development to ensure knowledge transfer and
dan peningkatan produktivitas kerja. the enhancement of work productivity.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2. Bagian HC Strategis, berperan dalam pengelolaan 2. HC Strategy Section, responsible for talent
manajemen talenta yang mencakup identifikasi, management, encompassing the identification, mapping,
pemetaan, pengembangan, dan retensi talenta potensial. development, and retention of high-potential talent.
Melalui integrasi dengan sistem manajemen kinerja dan Through integration with the performance management
succession planning, fungsi ini memastikan tersedianya system and succession planning, this function ensures
talent pipeline yang siap mendukung pertumbuhan dan the availability of a talent pipeline ready to support
kesinambungan kepemimpinan organisasi. organizational growth and leadership continuity.
2025 Annual Report & Sustainability Report 117
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Kebijakan Pengembangan yang lebih fleksibel dan adaptif A more flexible and adaptive Development Policy is a
merupakan langkah strategis untuk memastikan kompetensi strategic step to ensure that employee competencies remain
karyawan selalu selaras dengan kebutuhan bisnis dan consistently aligned with business needs and developments
perkembangan industri keuangan. Beberapa poin yang in the financial industry. The key principles underpinning
menjadi landasan dalam kebijakan ini, sebagai berikut : this policy are as follows:
1. Strategi Penyusunan TNA 1. TNA Formulation Strategy
2. Diversifikasi Metode Pengembangan Kompetensi 2. Diversification of Competency Development Methods
3. Peningkatan Efektivitas Pelatihan 3. Enhancement of Training Effectiveness
4. Kesetaraan Pengembangan Kompetensi 4. Equality in Competency Development
Roadmap Pengembangan Kompetensi Karyawan Employee Competency Development Roadmap
Tahap Perencanaan & Analisis Tahap Evaluasi & Monitoring
Planning & Analysis Phase Evaluation & Monitoring Phase
Mengidentifikasi kebutuhan kompetensi yang Mengukur efektivitas program pengembangan
sesuai dengan strategi bisnis dan kebutuhan kompetensi dan dampaknya terhadap organisasi
individu karyawan Measuring the effectiveness of competency
Identifying competency needs in accordance development programs and their impact on the
with the business strategy and the individual organization.
development needs of employees.
1 3
2 4
Tahap Implementasi & Eksekusi Tahap Penguatan & Keberlanjutan
Implementation & Execution Phase Reinforcement & Sustainability Phase
Melaksanakan program pengembangan kompetensi secara sistematis dan Membangun budaya pembelajaran yang
berkelanjutan, sebagaimana kalender training yang telah disusun berkelanjutan agar kompetensi tetap terjaga
Implementing competency development programs in a systematic and Building a continuous learning culture to ensure
sustained manner, in accordance with the established training calendar. that competencies are consistently maintained.
Pengembangan Kompetensi SDM Tahun 2025 Human Capital Competency Development in 2025
Di tahun 2025, Perusahaan telah merealisasikan In 2025, the Company realized competency development
pengembangan kompetensi bagi karyawan baik dalam for its employees across technical, non-technical, and
bidang teknis, non teknis hingga kepemimpinan. Informasi leadership domains. Information regarding the competency
terkait pengembangan kompetensi yang diikuti oleh development programs attended by the Company's
karyawan Perusahaan sepanjang tahun 2025 adalah employees throughout 2025 is as follows.
sebagai berikut.
Jumlah
Peserta /
No Bidang / Field Nama Program / Program Name
Number of
Participants
1 TEKNIS / Overview Sistem Aplikasi Pelayanan Samsat / Overview Of One-Stop Administration Services Office 9
TECHNICAL (Samsat) Service Application System
2 Seminar & Rakernas FKDK BPDSI / Seminar & National Working Meeting Of FKDK Bpdsi 1
3 Sertifikasi Audit Internal Level Supervisor / Internal Audit Certification — Supervisor Level 2
4 Workshop & Koordinasi Satuan Pengawasan Internal Bumd Wilayah Provinsi Banten 2025 / Workshop 2
& Coordination Of Internal Supervisory Unit Of Banten Province Regional-Owned Enterprises 2025
118 Laporan Tahunan & Laporan Keberlanjutan 2025
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Jumlah
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Peserta /
No Bidang / Field Nama Program / Program Name
Number of
Participants
5 Workshop BPD Go Digital / Workshop BPD Go Digital 2
6 Sosialisasi Sop Tabungan Simpanan Pelajar (Simpel) / Dissemination Of Sop For Student Savings 54
(Simpel)
7 Training Kredit Modal Kerja Konstruksi (KMKK) / Training On Construction Working Capital Credit 35
(KMKK)
8 Sosialisasi Kewajiban Penyampaian Laporan Penilaian Sendiri Dan Pengkinian Data Pokok Bank / 2
Dissemination On The Obligation To Submit Self-Assessment Reports And Update Bank Core Data
9 Refreshment Perbankan Sulawesi Selatan / South Sulawesi Banking Refreshment 1
10 Training Audit Internal : Roles And Fraud Prevention Strategy / Internal Audit Training: Roles And Fraud 2
Prevention Strategy
11 Sosialisasi Petunjuk Teknis Operasional Mesin Pinpad / Dissemination Of Technical Operating 114
Instructions For Pinpad Machines
12 Sosialisasi Implementasi Undang-Undang No. 6 Tahun 2023 : Ketenagakerjaan Dan Penyelesaian 14
Permasalahan Hubungan Industrial / Dissemination On The Implementation Of Law No. 6 Of 2023:
Employment And Resolution Of Industrial Relations Disputes
13 Training Overview Product Profesional & Decision Making For FO & CS / Training Overview: Professional 47
Products & Decision Making For FO & CS
14 Sertifikasi Human Resources Level Manager / Human Resources Certification — Manager Level 2
15 Forum Koordinasi Dalam Rangka Menyusun Strategi Pemenuhan Kas Dan Layanan Periode Ramadhan 1
Dan Idul Fitri 1446h / Coordination Forum For Formulating Cash Fulfillment And Service Strategies For
The Ramadan And Eid Al-Fitr 1446h Period
16 Workshop Koordinasi Pemenuhan Kebutuhan Uang Tahun 2025 / Workshop On Coordination For 1
Fulfillment Of Currency Needs 2025
17 Webinar Kebijakan Penghapusan Kredit Macet Umkm / Webinar On Policy For Writing Off Msme Non- 3
Performing Loans
18 Webinar Data Driven Decision Making / Webinar On Data-Driven Decision Making 1
19 Sosialisasi Layanan Transfer Dana / Dissemination On Fund Transfer Services 164
20 Resertifikasi Manajemen Risiko Jenjang 5 Batch 1 / Recertification Of Risk Management — Level 5, 10
Batch 1
21 Refreshment Treasury Dealer Jenjang 6 / Refreshment Of Treasury Dealer Certification — Level 6 1
22 Training Penerapan Program APU-PPT & Pengendalian Gratifikasi Batch 1 / Training On Implementation 184
Of Apu-Ppt Program & Gratification Control, Batch 1
23 Certified Fraud Examiner (CFE) / Certified Fraud Examiner (CFE) 1
24 Executive Overview Perbankan - Dewan Komisaris / Executive Overview Of Banking — Board Of 1
Commissioners
25 Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vi Dewan Komisaris / Refreshment Of 2
Risk Management Certification — Qualification Level Vi, Board Of Commissioners
26 Seniar Dcc 2025 : Strengthing Data Security In The Era Of Evolving Cyber Threats / Senior Dcc 2025: 2
Strengthening Data Security In The Era Of Evolving Cyber Threats
27 Sosialisasi Sop Ketentuan Lembur Karyawan Bank Banten / Dissemination Of Sop On Employee 35
Overtime Provisions Of Bank Banten
28 Training Iso 37001:2016 Anti Bribery Management System Awareness Dan Internal Auditor / Training 23
On Iso 37001:2016 Anti-Bribery Management System Awareness And Internal Auditor
29 Training Pashield 10k / Training Pashield 10k 10
30 Pembekalan Sertifikasi Jenjang 6 Dewan Komisaris /C Preparatory Briefing For Level 6 Certification — 1
Board Of Commissioners
31 Sosialisasi SOP Fasilitas Kredit Karyawan / Dissemination Of SOP For Employee Loan Facility 30
32 Webinar Transforming HR With Real Tech : The Role Of Ai & Automation / Webinar: Transforming HR 8
With Real Tech — The Role Of Ai & Automation
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
33 Seminar Membangun Ketahanan Siber Di Era Digital Banking / Seminar On Building Cyber Resilience 4
In The Digital Banking Era
34 Worshop Forum Cyber BPDSI / Workshop: BPDSI Cyber Forum 2
35 Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) / Dissemination On Information Security 613
Management System (ISMS)
36 Sertifikasi Treasury Jenjang 7 / Treasury Certification — Level 7 1
37 Workshop Teknis Penyusunan Laporan Crms Ojk Bagi Bpdsi / Technical Workshop On Preparation Of 1
Ojk Crms Reports For Bpdsi
2025 Annual Report & Sustainability Report 119
Page 122
Jumlah
Peserta /
No Bidang / Field Nama Program / Program Name
Number of
Participants
38 Sosialisasi Standarisasi Kompetensi Di Bidang Sistem Pembayaran (SK SP) / Dissemination On 3
Competency Standardization In The Field Of Payment Systems (SK SP)
39 Bimbingan Teknis Forum Siber CTIS (Cyber Threat Information Sharing) / Technical Guidance: CTIS 2
Cyber Forum (Cyber Threat Information Sharing)
40 Self Develompent & Koordinasi Pemenuhan Kebutuhan Uang Kartal Smester II / Self-Development & 1
Coordination For Fulfillment Of Currency Needs — Semester II
41 Sosialisasi Sertifikasi Kompetensi Kkni Bidang Kepatuhan & Bidang Anti Pencucian Uang Dan 1
Pencegahan Pendanaan Terorisme (APU PPT) / Dissemination On Kkni Competency Certification In
The Fields Of Compliance & Anti-Money Laundering And Prevention Of Terrorism Financing (Apu Ppt)
42 Sosialisasi Petunjuk Teknis Pembebanan Biaya / Dissemination On Technical Guidelines For Cost 150
Charging
43 Refrehment Sertifikasi Auditor / Refreshment Of Auditor Certification 1
44 Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vii Direksi / Refreshment Of Risk 3
Management Certification — Qualification Level Vii, Board Of Directors
45 Seminar FKDK Bpdsi Wilayah Tengah : Roadmap Penguatan BPD / Seminar Of FKDK Bpdsi Central 4
Region: Roadmap For BPD Strengthening
46 Sertifikasi Office Channeling Taspen Semester Ii Tahun 2025 / Aspen Office Channeling Certification 37
— Semester Ii, 2025
47 Sosialisasi PADG No 14 Tahun 2025 / Dissemination Of PADG No. 14 Of 2025 3
48 Sosialisasi Asuransi Kesehatan Karyawan (App One By Ifg-Bank Banten) / Dissemination On Employee 853
Health Insurance (App One By Ifg — Bank Banten)
49 Training Titanium : Course Control Meets Endpoint Control / Training Titanium: Course Control Meets 2
Endpoint Control
50 Sosialisasi, Coaching Clinic, Industrial Test Dan Implementasi Sistem Pelaporan Online Standarisasi 1
Kompentensi Di Bidang Sistem Pembayaran (SK SP) / Dissemination, Coaching Clinic, Industrial Test
And Implementation Of Online Reporting System For Competency Standardization In Payment Systems
(SK SP)
51 Training Penerapan Program APU-PPT & Pengendalian Gratifikasi Batch 2 / Training On Implementation 38
Of APU-PPT Program & Gratification Control, Batch 2
52 Workshop Digital Resillienece In Action : Elevating Network And Security Excellence / Workshop: Digital 2
Resilience In Action — Elevating Network And Security Excellence
53 Training Penerapan Program Apu-Ppt & Pengendalian Gratifikasi Batch III / Training On Implementation 82
Of APU-PPT Program & Gratification Control, Batch 3
54 Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) Batch I / Training On 40
Anti-Fraud Awareness & Anti-Bribery Management System (SMAP), Batch 1
55 Training Penerapan Program APU-PPT & Pengendalian Gratifikasi Batch 1v / Training On Implementation 52
Of APU-PPT Program & Gratification Control, Batch 4
56 Resertifikasi Auditor Level Supervisor / Recertification Of Auditor — Supervisor Level 1
57 Seminar Roadmap Penguatan BPD 2024-2027 / Seminar: Roadmap For BPD Strengthening 2024–2027 3
58 Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) Batch Iii / Training On 83
Anti-Fraud Awareness & Anti-Bribery Management System (SMAP), Batch 3
59 Training Penerapan Program APU-PPT & Pengendalian Gratifikasi Batch V / Training On Implementation 73
Of APU-PPT Program & Gratification Control, Batch 5
60 Resertifikasi Manajemen Risiko Jenjang 4 Batch 1 / Recertification Of Risk Management — Level 4, 10
Batch 1
61 Training Penyelesaian Permasalahan Implementasi Per-11 2025 : Pph 21 Pph Unifikasi & Ppn / Training 2
On Resolving Implementation Issues Of Per-11/2025: Income Tax Article 21, Unified Income Tax & Vat
62 Diskusi Laporan Bank Umum (LBUT) Kelompok Informasi (KI) Harian / Discussion On Commercial Bank 2
Reports (LBUT) — Daily Information Group (KI)
63 Sosialisasi Ketenagakerjaan / Dissemination On Employment Matters 20
64 Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) Batch Iii / Training On 54
Anti-Fraud Awareness & Anti-Bribery Management System (SMAP), Batch 3
65 Workshop Keamanan Siber Bagi Bank Pembangunan Daerah / Workshop On Cyber Security For 2
Regional Development Banks
66 Self Assessement SEOJK No 14seojk.032025 / Self-Assessment Of SEOJK No. 14/Seojk.03/2025 2
67 Pelatihan Operasional Sistem Bank Indonesia - Reali Time Gross Settlement (BI-RTGS) / Training On 2
Operational System Of Bank Indonesia — Real-Time Gross Settlement (BI-RTGS)
120 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 123
Jumlah
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Peserta /
No Bidang / Field Nama Program / Program Name
Number of
Participants
68 Workshop Membangun Infrastruktur Keamanan Informasi Yang Adaptif Dan Tangguh Di Era Serangan 1
Siber Modern / Workshop On Building Adaptive And Resilient Information Security Infrastructure In The
Era Of Modern Cyber Attacks
69 Sosialisasi BISILK Gen 2 Wilayah Bali / Dissemination Of BISILK Gen 2 — Bali Region 2
70 End User Training (EUT) Bisilk Gen 2 Wilayah Provinsi Sumatera Utara / End User Training (EUT) Bisilk 1
Gen 2 — North Sumatra Province
71 Training Negotiation, Communication Skill And Coaching For Funding Officer / Training On Negotiation, 48
Communication Skills And Coaching For Funding Officers
72 Pelatihan, Simulasi Dan Uji Live Penggunaan Fasilitas Guest Bank Sistem BI-RTGS, BI-SSSS, Sistem 6
Bi-ETP Dan SKNBI Bank Indonesia / Training, Simulation And Live Test For Guest Bank Facilities: Bi-
RTGS, BI-SSSS, BI-ETP And SKNBI Systems Of Bank Indonesia
73 Workshop Penyusunan Rencana Strategis Teknologi Informasi / Workshop On Preparation Of 3
Information Technology Strategic Plan
74 Workshop Implementasi Sinergitas Bidang Manajemen Risiko Dan Tata Kelola Dalam Lingkup Kub 3
/ Workshop On Implementation Of Synergy In Risk Management And Governance Within The Kub
Framework
75 Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) Batch IV / Training On 109
Anti-Fraud Awareness & Anti-Bribery Management System (SMAP), Batch 4
76 Seminar Program Eksekutif BPD Implementasi GRC & Perlindungan Hukum Direksi Serta Komisaris 1
/ Seminar: BPD Executive Program — Implementation Of GRC & Legal Protection For Directors And
Commissioners
77 Sosialisasi Memoranjum Prosedur No. 150/MP/DIR-BB/IX/2025 / Dissemination Of Memorandum Of 98
Procedure No. 150/MP/DIR-BB/IX/2025
78 Sosialisasi Bank Indonesia Sistem Informasi Layanan Kas (BISILK) Gen 2 / Dissemination Of Bank 2
Indonesia Cash Service Information System (BISILK) Gen 2
79 Forum Diskusi Laporan Sertifikasi Treasury / Discussion Forum On Treasury Certification Reports 2
80 Workshop Forum Analisis & Informasi Keamanan Siber Sektor Keuangan Tahun Anggaran 2025 / 1
Workshop: Forum For Cyber Security Analysis & Information In The Financial Sector, 2025 Fiscal Year
81 Training Penerapan Program APU-PPT & Pengendalian Gratifikasi Batch Vi / Training On Implementation 74
Of APU-PPT Program & Gratification Control, Batch 6
82 Coaching Clinic Laporan SKSP Tahap 2 / Coaching Clinic On SKSP Reporting — Phase 2 2
83 Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refreshment Of Risk Management Certification 22
— Level 5
84 Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) Batch V / Training On 169
Anti-Fraud Awareness & Anti-Bribery Management System (SMAP), Batch 5
85 Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Training On Service & Culture: 33
Reenergize Culture Bank Banten 2025
86 Bimtek System Integration Test & User Acceptance Testing Tabungan Pajak / Technical Guidance: 7
System Integration Test & User Acceptance Testing For Tax Savings
87 CEO BPD Forum 2025 : Membangun Ketahanan BPD Dari Farud Dan Ancaman Siber Dunia Perbankan 3
/ CEO BPD Forum 2025: Building BPD Resilience Against Fraud And Cyber Threats In The Banking
World
88 Sosialisasi Tematik Laporan Bank Umum Terintegrasi (LBUT) / Thematic Dissemination On Integrated 5
Commercial Bank Reports (LBUT)
89 Edukasi Pengisian SPT Tahunan Tahun 2025 Melalui Coretax DJP / Education On Annual Tax Return 2
(SPT) Filing For 2025 Via DJP Coretax
90 Forum Komunikasi Kliring Jakarta (FKKJ) Tahun 2025 / Jakarta Clearing Communication Forum (FKKJ) 1
2025
91 Workshop Teknis Kartu Kredit Pemerintah Daerah (KKPD) / Technical Workshop On Local Government 1
Credit Cards (KKPD)
92 Bimbingan Teknis Signal Coorporate / Technical Guidance: Signal Corporate 2
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
93 Pertemuan Evaluasi Kegiatan Operasional Pertukaran Warkat Debet Wilayah Sumatera Utara / 1
Evaluation Meeting On Debit Clearing Operational Activities — North Sumatra Region
94 Training Anti-Fraud Awareness & SMAP Serta Penerapan Program APU-PPT & Pengendalian 74
Gratifikasi Batch I / Training On Anti-Fraud Awareness & SMAP And Implementation Of APU-PPT
Program & Gratification Control, Batch 1
95 Bimbingan Teknis Dan Implementasi Persiapan Pelaporan SPT Pph Pasal 21 Masa Desember 2025 2
Sesuai Per-11/Pj/2025 / Technical Guidance And Implementation For Preparation Of Monthly Income
Tax Article 21 SPT Reporting For December 2025 In Accordance With Per-11/Pj/2025
2025 Annual Report & Sustainability Report 121
Page 124
Jumlah
Peserta /
No Bidang / Field Nama Program / Program Name
Number of
Participants
96 Workshop BPD Go Digital : Compliance & Innovation / Workshop BPD Go Digital: Compliance & 1
Innovation
97 In-House Training : Tools Wazuh Integrasi Dengan Siem, Topology Cyber Security Dan Penguatan 3
Kapasitas It Operation & Support Dalam Keamanan Siber Bank Banten / In-House Training: Wazuh
Tools Integrated With Siem Topology For Cyber Security And Strengthening It Operation & Support
Capacity In Bank Banten’s Cyber Security
98 User Group SP Dan FMI FB (BI-RTGS), Bi-SSSS, Bi-ETP, SKNBI Dan Bi-Fast Tahun 2025 / User 2
Group For SP And FMI: BI-RTGS, BI-SSSS, BI-ETP, SKNBI And Bi-Fast, 2025 Fiscal Year
99 Training Anti-Fraud Awareness & SMAP Serta Penerapan Program APU-PPT & Pengendalian 91
Gratifikasi Batch Ii / Training On Anti-Fraud Awareness & SMAP And Implementation Of APU-PPT
Program & Gratification Control, Batch 2
100 Seminar Nasional FKDKP Bpdsi Wilayah Barat : Protokol Pencegahan, Penanganan Dan Pemulihan 1
Pasca Serangan Siber Terhadap Bank Umum / National Seminar Of FKDKP Bpdsi Western Region:
Protocol For Prevention, Handling And Recovery From Cyber Attacks On Commercial Banks
101 Forum Koordinasi Dalam Rangka Evaluasi Kegiatan Penyetoran Dan Penarikan Uang Dan Persiapan 1
Nataru 2025 / Coordination Forum For Evaluation Of Cash Deposit And Withdrawal Activities And
Preparation For Year-End Holidays (Nataru) 2025
102 Refreshment Elektronifikasi Tramsaksi Pemerintah Daerah (Eptd) Semester Ii-2025 / Refreshment On 1
Regional Government Transaction Electronification (Eptd) — Semester Ii, 2025
103 Sosialisasi LHPK AP & FMI Serta Kpdhn Tahun 2025 / Dissemination On LHPK AP & FMI And KPDHN 3
2025
104 Refreshment Sertifikasi SKSP - Surat Berharga Nasabah Jenjang 4 / Refreshment Of SKSP Certification 21
— Customer Securities, Level 4
105 Sosialisasi POJK No 25 Tahun 2025 Tentang Pengelolaan Rekening Pada Bank Umum / Dissemination 1
Of POJK No. 25 Of 2025 On Account Management At Commercial Banks
106 Workshop Pelaporan SCV LPS Bank Umum / Workshop On SCV LPS Reporting For Commercial Banks 2
107 Training Overview Product Profesional & Decision Making For FO & CS Batch Ii / Training Overview: 53
Professional Products & Decision Making For Funding Officers & Customer Service, Batch 2
108 Refreshment Ketentuan Penyetoran/ Penarikan Perbankan Wilayah Jawa Barat / Refreshment On 1
Provisions For Banking Deposits/Withdrawals — West Java Region
109 Overview Layanan Transaksi Akhir Tahun 2025 / Overview Of Year-End Transaction Services 2025 17
110 Training Corporate Secretary Excellence / Training On Corporate Secretary Excellence 1
111 Refreshment Sertifikasi Sksp - Suart Berharga Nasabah Jenjang 5 / Refreshment Of Sksp Certification 16
— Customer Securities, Level 5
112 Training Performance Management / Training On Performance Management 2
113 Training Remuneration System / Training On Remuneration System 2
114 Training Analysis & Job Evaluation / Training On Analysis & Job Evaluation 3
115 Training Job Grading / Training On Job Grading 2
116 Refreshment Sertifikasi Sksp - Pengelolaan Transfer Dana Jenjang 5 / Refreshment Of Sksp Certification 1
— Fund Transfer Management, Level 5
117 Bimtek System Integration Test & User Acceptance Testing Aplikasi Samsat Ceria Web Monitoring 8
Transaksi / Technical Guidance: System Integration Test & User Acceptance Testing For Samsat Ceria
Web Transaction Monitoring Application
118 Sosialisasi Sinergi Perbankan Melalui Sistem SKNBI Dan Transformasi Digital / Dissemination On 1
Banking Synergy Through SKNBI System And Digital Transformation
119 Refreshment Mekanisme Pelaporan Bank / Refreshment On Bank Reporting Mechanisms 2
120 Training Assessement Center / Training On Assessment Center 2
121 Sertifikasi Human Resources Level Staff / Human Resources Certification — Staff Level 4
122 Sosialisasi Implementasi Pengisian Pelaporan Pajak Melalui Akun Coretax / Dissemination On 197
Implementation Of Tax Reporting Filing Via Coretax Account
123 NON TEKNIS / Induction & On Boarding Karyawan : Pengenalan Budaya Perusahaan Bank Banten Batch 1 / Employee 9
NON-TECHNICAL Induction & Onboarding: Introduction To Bank Banten’s Corporate Culture, Batch 1
124 Seminar CEO Forum Perbanas 2025 / Seminar: Perbanas CEO Forum 2025 2
125 Workshop Bisnis - Bisnis Solid Bank Banten Bangkit 2025 / Business Workshop — Solid Business: 63
Bank Banten Rises 2025
126 Undangan Sosialisasi Pengisian Goal Setting / Dissemination On Goal Setting Completion 477
127 OBS Treasury Conference 2025 / OBS Treasury Conference 2025 1
122 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 125
Jumlah
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Peserta /
No Bidang / Field Nama Program / Program Name
Number of
Participants
128 Boarding Karyawan : Pengenalan Budaya Perusahaan Bank Banten Batch 2 / Employee Onboarding: 7
Introduction To Bank Banten’s Corporate Culture, Batch 2
129 Workshop Kerohanian Islam - Bakti Sosial, Silaturahmi, Buka Puasa Bersama Dan Santunan Yatim/ 865
Dhuafa Di Bulan Suci Ramadhan 1446 H / Islamic Spiritual Workshop — Social Service, Silaturahmi,
Iftar And Orphan/Dhuafa Assistance During The Holy Month Of Ramadan 1446h
130 Induction & On Boarding Karyawan : Pengenalan Budaya Perusahaan Bank Banten Batch 3 / Employee 8
Induction & Onboarding: Introduction To Bank Banten’s Corporate Culture, Batch 3
131 Webinar Tren & Inovasi Pengendalian Biaya Kesehatan Di Perusahaan / Webinar On Trends & 3
Innovations In Corporate Healthcare Cost Management
132 Induction & On Boarding Karyawan : Pengenalan Budaya Perusahaan Bank Banten Batch 4 / Employee 7
Induction & Onboarding: Introduction To Bank Banten’s Corporate Culture, Batch 4
133 Webinar Strategi Aman Transaksi Asept Kripto Dan Keuangan Digital : Perlindungan Data Pribadi 7
Dampak Teknologi Biometrik Di Indonesia / Webinar On Safe Strategies For Crypto And Digital Financial
Transactions: Personal Data Protection And The Impact Of Biometric Technology In Indonesia
134 Workshop Kerohanian Islam Dan Tasyakuan Grha Bank Banten : Menumbuhkan Rasa Syukur, 248
Membangun Sinergi Positif Dengan Sesama Dan Lingkungan Serta Meningkatkan Produktivitas
Banteners / Islamic Spiritual Workshop And Thanksgiving Ceremony At Grha Bank Banten: Cultivating
Gratitude, Building Positive Synergy And Enhancing Banteners’ Productivity
135 Seminar BPDSI : Penguatan BPDSI Dalam Implementasi Siskeudes / Seminar BPDSI: Strengthening 3
Bpdsi In The Implementation Of Siskeudes
136 Induction & On Boarding Karyawan : Pengenalan Budaya Perusahaan Bank Banten Batch 5 / Employee 15
Induction & Onboarding: Introduction To Bank Banten’s Corporate Culture, Batch 5
137 Induction & On Boarding Karyawan : Pengenalan Budaya Perusahaan Bank Banten Batch VI / Employee 15
Induction & Onboarding: Introduction To Bank Banten’s Corporate Culture, Batch 6
138 Sosialisasi Standarisasi Pakaian Kerja & Penampilan Karyawan / Dissemination On Standardization Of 874
Employee Work Attire & Appearance
139 Pelatihan Anti Korupsi Bagi Bumd Klaster Bank Daerah Tahun 2025 / Anti-Corruption Training For 2
Regional-Owned Enterprises — Regional Bank Cluster, 2025
140 Workshop Evaluasi Layanan Bank Indonesia Fast Payment (Bi-Fast) Tahun 2025 / Workshop On 2
Evaluation Of Bank Indonesia Fast Payment (Bi-Fast) Services, 2025
141 Gayeng Perkasa 2025 : Implementasi BISILK Gen 2 / Gayeng Perkasa 2025: Implementation Of BISILK 1
Gen 2
142 Seminar FKDKP : Memahami Pentingnya Integritas Dalam Pengelolaan Lembaga Keuangan / FKDKP 2
Seminar: Understanding The Importance Of Integrity In Financial Institution Management
143 Induction & On Boarding Karyawan : Pengenalan Budaya Perusahaan Bank Banten Batch VII / 12
Employee Induction & Onboarding: Introduction To Bank Banten’s Corporate Culture, Batch 7
144 Workshop Penyelarasan RSTI Untuk Sinergitas Kub / Workshop On RSTI Alignment For Kub Synergy 2
145 Rapat Koordinasi Pimpinan Cabang Jakarta BPDSI / Coordination Meeting Of Jakarta Branch Heads 1
— BPDSI
146 Seminar Outlook Ekonomi & Likuiditas Akhir Tahun BPDSI / Seminar: BPDSI Year-End Economic 3
Outlook & Liquidity
147 Evaluasi Implementasi SIPD Pada BPDSI 2025 / Evaluation Of SIPD Implementation At BPDSI 2025 2
148 KEPEMIMPINAN / Capacity Building Petugas Kliring Sumatera Utara / Capacity Building For Clearing Officers — North 1
LEADERSHIP Sumatra
149 Multipolar Bpd Forum : Navigating Her Transformation Journey - Cost Efective, Scalable, High- 3
Performance And Secure Digital System / Multipolar Bpd Forum: Navigating Her Transformation
Journey — Cost-Effective, Scalable, High-Performance And Secure Digital System
150 Capacity Building Kebijakan Sistem Pembayaran Bank Indonesia Tahun 2025 / Capacity Building On 1
Bank Indonesia Payment System Policy, 2025
151 Fgd Perizinan Dan Penilaian Kemampuan Dan Kepatutan (PKK) Kepengurusan Dan Kepemilikan 1
Bank Umum / Fgd On Licensing And Fit & Proper Test (PKK) For Management And Ownership Of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Commercial Banks
152 Seminar Cultivating Future Leaders And Inspiring Risk / Seminar: Cultivating Future Leaders And 2
Inspiring Risk
153 Capacity Building & Evaluasi Kegiatan Setoran Dan Penarikan Perbankan Se-Jabar Tahun 2025 / 1
Capacity Building & Evaluation Of Deposit And Withdrawal Activities — West Java Banking, 2025
154 Capacity Building & Refreshment Sistem Pembayaran Nontunai Forum Sinergi Kliring Operasional Bank 1
Se-Yogyakarta Tahun 2025 / Capacity Building & Refreshment On Non-Cash Payment Systems —
Clearing Operational Synergy Forum For Banks In Yogyakarta, 2025
155 Capacity Building, Evaluasi Setoran Bayaran Semester I Dan Koordinasi Kebutuhan Uang Semester 2 1
Tahun 2025 / Capacity Building, Evaluation Of Semester I Deposits And Payments, And Coordination
Of Semester Ii Currency Needs, 2025
2025 Annual Report & Sustainability Report 123
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Jumlah
Peserta /
No Bidang / Field Nama Program / Program Name
Number of
Participants
156 Capacity Building Paguyuban Kasir Teller Yogyakarta (Pak Tejo) 2025 / Capacity Building: Yogyakarta 1
Cashier Teller Association (Pak Tejo) 2025
157 Capacity Building & Forum Komunikasi Kliring 2025 / Capacity Building & Clearing Communication 1
Forum 2025
158 Capacity Building Petugas Operasinal Kas & Kliring Kliring Perbankan Banten 2025 / Capacity Building 2
For Cash & Clearing Operational Officers — Banten Banking Clearing 2025
159 Capacity Building Dan Rapat Koordinasi TP2DD Se Banten Tahun 2025 / Capacity Building And 2
Coordination Meeting Of TP2DD Throughout Banten Province, 2025
160 Refreshment & Capacity Building Perbankan Sulawesi Selatan / Refreshment & Capacity Building — 1
South Sulawesi Banking
161 Capacity Building & Evaluasi Kegiatan Pengelolan Uang Rupiah Wilayah Sumatera Utara Capacity 1
Building & Evaluation Of Rupiah Currency Management Activities — North Sumatra Region
162 Capacity Building Pengelolaan Uang Rupiah (CB PUR) Perbankan Wilayah Jawa Timur / Capacity 1
Building On Rupiah Currency Management (CB PUR) — East Java Banking Region
163 Capacity Building Petugas Pelindungan Konsumen Wilayah Provinsi Jawa Timur / Capacity Building For 1
Consumer Protection Officers — East Java Province
164 Capacity Building & Sharing Session : Penguatan Ketahanan Siber Dan Persiapan Digitalisasi BPD 2
Dalam Mendukung ETPD / Capacity Building & Sharing Session: Strengthening Cyber Resilience And
Preparing BPD Digitalization In Support Of ETPD
165 Refreshment Ketentuan Capacity Building Pertukaran Warkat Debit Wilayah Jawa Barat Tahun 2025 / 1
Refreshment On Capacity Building Provisions For Debit Clearing — West Java Region, 2025
166 Capacity Building Pemenuhan Uang Kartal Menjelang Nataru 2025 Dan Estimasi Kebutuhan Uang 1
Tahun 2026 / Capacity Building On Fulfillment Of Currency Needs Ahead Of Year-End Holidays (Nataru)
2025 And Estimation Of Currency Needs For 2026
Total 6.685
Biaya Pengembangan Kompetensi Karyawan Employee Competency Development Costs
Setiap tahunnya Bank Banten menyediakan anggaran yang Each year, Bank Banten allocates a budget, the amount of
jumlahnya ditentukan berdasarkan kebutuhan dengan tetap which is determined based on operational needs while taking
mempertimbangkan kemampuan keuangan bank. Pada into account the Bank's financial capacity. In 2025, Bank
tahun 2025, Bank Banten merealisasikan biaya pelatihan Banten realized training and development expenditures of
dan pengembangan sebesar Rp1,644 miliar, setara dengan Rp1.644 billion, equivalent to 24% of the approved budget
24% dari anggaran yang ditetapkan sebesar Rp6,620 miliar. of Rp6.620 billion.
Adapun rincian biaya pelatihan dan pengembangan tahun The breakdown of training and development costs for 2025
2025, sebagai berikut : is as follows:
No Program Biaya (Rp) / Costs (Rp)
1 Teknis / Technical 1.409.115.618
2 Non Teknis / Non-Technical 178.844.513
3 Kepemimpinan / Leadership 56.959.501
Total 1.644.919.632
MANAJEMEN SUMBER DAYA MANUSIA HUMAN CAPITAL MANAGEMENT
Pengelolaan SDM Perusahaan dilakukan dengan The Company's human capital management is carried out
mengacu pada Undang-Undang No. 6 Tahun 2023 tentang with reference to Law No. 6 of 2023 on the Enactment of
Penetapan Peraturan Pemerintah Pengganti Undang- Government Regulation in Lieu of Law No. 2 of 2022 on
Undang No. 2 Tahun 2022 tentang Cipta Kerja. Perusahaan Job Creation. The Company comprehensively manages
secara komprehensif melakukan pengelolaan SDM dengan its human capital by implementing an end-to-end system
menerapkan sistem yang menyeluruh pada setiap tahapan, at every stage, encompassing the employee recruitment
124 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 127
mulai dari proses rekrutmen karyawan, penilaian kinerja process, performance appraisal, and retirement programs
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
hingga program pensiun untuk karyawan yang akan for employees who are approaching or have reached
atau sudah memasuki masa pensiun. Perusahaan juga retirement age. The Company also strives to fulfill the rights
berupaya memenuhi hak-hak para karyawan. Upaya of its employees. These efforts are undertaken to ensure
tersebut dilakukan untuk mewujudkan keberlanjutan usaha the sustainability of the Company's business in the future.
Perusahaan di masa mendatang.
Rekrutmen Karyawan Employee Recruitment
Dalam menghadapi kondisi persaingan yang sangat ketat In facing an increasingly competitive environment,
khususnya di sektor Perbankan, pemenuhan kebutuhan particularly in the banking sector, the Bank's demand for
Bank terhadap SDM profesional dan berkualitas pun professional and high-quality human capital continues to
semangkin tinggi. Oleh karena itu, fungsi seleksi dan grow. Accordingly, the selection and recruitment function
rekrutmen dibuatkan bagian pada struktur organisasi yang has been established as a dedicated unit within the
membidangi Human Capital dengan tujuan untuk dapat organizational structure overseeing Human Capital, with the
melaksanakan proses rekrutmen dengan cepat, tepat dan aim of executing the recruitment process in a swift, precise,
efektif. and effective manner.
Bank Banten melaksanakan proses rekrutmen melalui Bank Banten carries out its recruitment process through the
beberapa program sebagai berikut: following programs:
1. Rekrutmen Entry Level 1. Entry Level Recruitment
Program penerimaan calon pegawai yang diperuntukkan A recruitment program for prospective employees
bagi fresh graduate, pengalaman bank/ non-bank intended for fresh graduates and candidates with
memenuhi kebutuhan di level jabatan staf/officer. banking or non-banking experience, aimed at fulfilling
staffing needs at the staff and officer levels.
2. Rekrutmen Professional Hire 2. Professional Hire Recruitment
Program penerimaan calon pegawai yang diperuntukkan A recruitment program for prospective employees who
bagi yang memiliki kompetensi dan pengalaman bidang possess the competencies and experience in specific
dan jabatan tertentu sesuai dengan kebutuhan Bank. fields and positions in accordance with the Bank's
needs.
Sistem rekrutmen di Bank Banten dilakukan melalui jalur The recruitment system at Bank Banten is conducted
internal dan eksternal. Rekrutmen internal mencakup through both internal and external channels. Internal
promosi, rotasi, dan demosi, sementara rekrutmen recruitment encompasses promotions, rotations, and
eksternal dilakukan melalui seleksi bagi fresh graduate demotions, while external recruitment is carried out through
serta perekrutan tenaga ahli atau profesional sesuai the selection of fresh graduates as well as the hiring of
dengan kebutuhan Bank. Perusahaan memastikan bahwa specialists or professionals in accordance with the Bank's
proses rekrutmen dilaksanakan secara transparan dan adil, requirements. The Company ensures that the recruitment
dengan menjunjung tinggi prinsip kesetaraan gender serta process is conducted in a transparent and equitable
berlandaskan pada kualifikasi yang dibutuhkan. Prinsip manner, upholding the principles of gender equality and
kesetaraan kesempatan kerja ini menjadi pedoman utama based on the required qualifications. This principle of equal
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
dalam memilih insan terbaik untuk bergabung sebagai employment opportunity serves as the primary guideline in
bagian dari Bank Banten. selecting the best individuals to join Bank Banten.
2025 Annual Report & Sustainability Report 125
Page 128
Tingkat Perputaran Karyawan Employee Turnover Rate
Berdasarkan proses rekrutmen pada tahun 2025, Bank Based on the recruitment process in 2025, Bank Banten
Banten berhasil menjaring karyawan baru sebanyak successfully onboarded 129 new employees, an increase
129 orang, naik dari tahun lalu yang sebesar 88 orang. from the previous year's figure of 88. The fulfillment
Pemenuhan kebutuhan jumlah SDM ini mengacu pada of human capital requirements is guided by workforce
perencanaan tenaga kerja sesuai dengan estimasi planning in accordance with estimated projections of retiring
perhitungan jumlah karyawan pensiun, pergantian employees, employee replacements, and business network
karyawan, dan ekspansi jaringan usaha. Sementara itu, expansion. Meanwhile, the number of employees who
jumlah karyawan yang berhenti tercatat sebanyak 79 orang. resigned or separated was recorded at 79.
Informasi terkait karyawan masuk, karyawan keluar dan Information regarding employee intake, employee
tingkat perputaran karyawan sepanjang tahun 2025 adalah departures, and the employee turnover rate throughout
sebagai berikut. 2025 is as follows.
Karyawan Masuk Berdasarkan Level Jabatan New Employees by Job Level
2025
Kategori / Category
Laki-Laki / Male Perempuan / Female Total
Entry Level 48 78 126
Pro Hire 2 1 3
Total 50 79 129
Karyawan Keluar Berdasarkan Alasan Mengundurkan Employee Leave Based on Reason for Resignation
Diri
2025
Kategori / Category
Laki-Laki / Male Perempuan / Female Total
Permintaan Sendiri / Voluntary Resignation 19 24 43
Kinerja Tidak Baik / Poor Performance - 1 1
Kontrak Berakhir / Contract Expiry - 1 1
Pensiun Alami / Normal Retirement 6 2 8
Melakukan Pelanggaran / Violation of Conduct 17 6 23
Meninggal / Deceased 1 2 3
Total 43 36 79
Tingkat Perputaran Karyawan 2025 Employee Turnover Rate in 2025
2025
Kategori / Category
Laki-Laki / Male Perempuan / Female
Karyawan Masuk / New Employees 50 79
Karyawan Keluar / Departing Employees 43 36
Tingkat Perputaran / Turnover Rate 54% 46%
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Kebijakan Kesetaraan di Lingkungan Perusahaan Equality Policy in the Workplace
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Bank Banten berkomitmen menerapkan prinsip keadilan Bank Banten is committed to upholding the principles of
dan kesetaraan dalam proses pengelolaan SDM sebagai fairness and equality in its human capital management
bagian dari tata kelola SDM yang inklusif dan berkeadilan. processes as part of an inclusive and equitable HC
Bank Banten memberikan kesempatan yang setara dan governance framework. Bank Banten provides equal and
adil bagi seluruh karyawan tanpa membedakan gender, fair opportunities to all employees regardless of gender,
suku, latar belakang, agama dan golongan, baik dalam ethnicity, background, religion, or social group, whether
proses rekrutmen, pengembangan karier, promosi jabatan, in the recruitment process, career development, job
maupun pemberian remunerasi. Kebijakan ini didasarkan promotion, or the provision of remuneration. This policy is
pada prinsip profesionalisme, kompetensi, dan kinerja grounded in the principles of professionalism, competency,
sebagai tolok ukur utama dalam pengambilan keputusan. and performance as the primary benchmarks in decision-
making.
Bank Banten berupaya menciptakan lingkungan kerja yang Bank Banten strives to create a safe and comfortable working
aman, nyaman serta bebas dari segala bentuk diskriminasi environment that is free from all forms of discrimination and
dan pelecehan. Dengan adanya kebijakan ini, diharapkan harassment. This policy is expected to foster a culture of
mampu mendorong terciptanya budaya kerja yang saling mutual respect and to support the Company's sustained
menghargai dan mendukung kinerja Perusahaan secara performance.
berkelanjutan.
Kebijakan Remunerasi Remuneration Policy
Bank Banten menerapkan kebijakan remunerasi karyawan Bank Banten implements a non-discriminatory employee
tanpa diskriminasi dan berdasarkan pada posisi, masa remuneration policy based on position, length of service,
kerja, serta pencapaian kinerja. Bank Banten menetapkan and performance achievement. Bank Banten establishes
struktur pengupahan dan skala pengupahannya sesuai its wage structure and wage scale in accordance with
dengan peraturan perundang-undangan dan melakukan applicable laws and regulations and conducts periodic
evaluasi secara berkala tanpa membedakan gender. reviews without gender distinction. Bank Banten also
Bank Banten juga memastikan remunerasi dan tunjangan ensures that remuneration and benefits are provided
diberikan kepada seluruh karyawan, baik karyawan tetap to all employees, both permanent and non-permanent
maupun tidak tetap (kontrak). Pemberian remunerasi (contract) employees. Remuneration is granted based on
diberikan berdasarkan pada tiga kelompok status, yakni three employment status categories, namely permanent
pegawai tetap, tidak tetap (kontrak), dan probation. Status employees, non-permanent (contract) employees, and
tersebut berpengaruh terhadap jenis pekerjaan dan jenis employees on probation. These statuses determine the
tunjangan yang diterima pegawai. type of work and the benefits received by each employee.
Adapun kebijakan remunerasi yang ditempuh Bank Banten The remuneration policies adopted by Bank Banten are as
adalah: follows:
1. Mengembangkan sistem remunerasi yang berbasis 1. Developing a performance-based remuneration system
pencapaian kinerja (merit system) yang terdiri dari (merit system) comprising both fixed and variable
remunerasi yang bersifat tetap dan remunerasi yang remuneration components.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
bersifat variabel.
2. Menyesuaikan kebijakan remunerasi dengan tetap 2. Adjusting the remuneration policy while maintaining
memperhatikan rasio BTK terhadap pencapaian the ratio of personnel costs to business achievement
bisnis sesuai dengan standar dan strategi yang telah in accordance with the standards and strategies
ditetapkan Perseroan. established by the Company.
2025 Annual Report & Sustainability Report 127
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3. Menerapkan upah minimum karyawan yang berlaku di 3. Implementing the applicable minimum wage for 2025 in
tahun 2025 sesuai ketentuan yang berlaku. accordance with prevailing regulations.
4. Meninjau dan menyesuaikan Kembali kebijakan 4. Reviewing and realigning the current remuneration
remunerasi yang berlaku saat ini sesuai Peraturan policy in accordance with the Financial Services
Otoritas Jasa Keuangan (POJK) yang paling sedikit Authority Regulation (POJK), which shall at a minimum
memuat: contain:
a. Struktur remunerasi: Skala Remunerasi berdasarkan a. Remuneration structure: Remuneration scale based
tingkat pangkat (grading) dan jabatan; dan on grading level and position; and
b. Komponen remunerasi: Metode dan mekanisme b. Remuneration components: Methods and
penetapan remunerasi. mechanisms for determining remuneration.
Selain memberikan remunerasi, Bank Banten juga In addition to providing remuneration, Bank Banten also
memberikan fasilitas dan benefit bagi karyawan yang provides facilities and benefits to employees, the type and
jenis dan besarannya disesuaikan dengan jenjang jabatan amount of which are adjusted according to the employee's
karyawan, antara lain: job level, including:
1. Kesehatan 1. Healthcare
Fasilitas kesehatan yang diberikan berupa tunjangan Healthcare facilities are provided in the form of a
kesehatan sebesar satu kali nominal gaji setiap tahunnya, healthcare allowance equivalent to one month's
serta BPJS Kesehatan atau asuransi kesehatan mandiri salary per year, as well as BPJS Health coverage or
bagi pegawai beserta keluarganya. independent health insurance for employees and their
families.
2. Kesejahteraan 2. Employee Welfare
Bank Banten juga memberikan benefit kesejahteraan Bank Banten also provides additional welfare benefits to
lain kepada karyawan berupa Tunjangan Hari Raya employees in the form of a Religious Holiday Allowance
(THR) sebesar satu kali nominal gaji setiap tahunnya (THR) equivalent to one month's salary per year.
3. Cuti Melahirkan 3. Maternity Leave
Kebijakan Perusahaan terkait cuti melahirkan mengacu The Company's maternity leave policy is guided by
pada Pasal 82 Undang-Undang No. 13 Tahun 2003 Article 82 of Law No. 13 of 2003 on Manpower. The
tentang Ketenagakerjaan. Perusahaan memberikan Hak Company grants maternity rest leave of 3 (three)
Istirahat Bersalin selama 3 (tiga) bulan. Sementara itu, months. In the case of a miscarriage, female employees
bagi pegawai perempuan yang mengalami keguguran are entitled to 1.5 (one and a half) months of rest leave.
kandungan berhak memperoleh istirahat 1,5 (satu The Company also grants 1 (one) day of leave to male
setengah) bulan. Perusahaan juga memberikan izin employees whose wives give birth.
tidak bekerja selama 1 (satu) hari bagi pekerja pria yang
istrinya melahirkan.
Selama tahun 2025, karyawan yang mengajukan cuti Throughout 2025, a total of 32 employees applied for
melahirkan dan cuti ayah sebanyak 32 orang yang terdiri maternity and paternity leave, comprising 23 female
dari 23 karyawan perempuan dan 9 karyawan laki-laki dan employees and 9 male employees, with 100% of employees
100% karyawan yang kembali bekerja ke Bank Banten returning to work at Bank Banten upon the conclusion of
setelah masa cuti berakhir. their leave period.
128 Laporan Tahunan & Laporan Keberlanjutan 2025
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Bank Banten terus berkomitmen melalui penerapan Bank Banten remains committed to implementing a fair and
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
kebijakan remunerasi yang wajar dan ideal bagi karyawan appropriate remuneration policy for employees based on
berdasarkan kinerja dan pengalaman dengan tetap performance and experience, while continuing to take into
mempertimbangkan risiko yang ada. Bank Banten terus account existing risks. Bank Banten continuously reviews
melakukan evaluasi atas kebijakan remunerasi yang ada its remuneration policy on a periodic basis, adjusting it in
secara berkala dengan menyesuaikan dengan kebijakan line with government policies, the Bank's needs, and its
pemerintah, kebutuhan serta pertumbuhan kinerja Bank. performance growth.
PROGRAM PENGEMBANGAN SDM 2025 HUMAN CAPITAL DEVELOPMENT
PROGRAM IN 2025
Sepanjang tahun 2025, sejumlah program kerja Throughout 2025, the Human Capital Division implemented
pengembangan SDM yang dilaksanakan oleh Divisi Human a number of HC development work programs, as follows:
Capital, sebagai berikut :
1. Penyempurnaan struktur organisasi guna 1. Refinement of the organizational structure to align with
menyelaraskan dengan rencana strategis Bank. the Bank's strategic plan.
2. Pengembangan Human Capital Information System 2. Development of the Human Capital Information System
(HCIS) untuk mengintegrasikan seluruh aktivitas pada (HCIS) to integrate all human capital activities.
human capital.
3. Penyempurnaan dan standarisasi Key Performance 3. Refinement and standardization of Key Performance
Indicator (KPI). Indicators (KPIs).
4. Sosialisasi dan pemahaman budaya perusahaan, 4. Dissemination and internalization of corporate culture,
budaya kepatuhan, budaya anti fraud, dan budaya compliance culture, anti-fraud culture, and risk
manajemen risiko kepada seluruh karyawan Bank management culture among all Bank Banten employees.
Banten.
5. Pendidikan dan pelatihan baik soft skills maupun hard 5. Education and training in both soft skills and hard
skills, termasuk pada pengembangan karyawan secara skills, including technical, non-technical, and leadership
teknis, non teknis dan leadership serta pelaksanaan development, as well as the implementation of
sertifikasi khususnya yang bersifat mandatory regulator. certifications, particularly those that are mandatory
under regulatory requirements.
6. Program pengembangan karier melalui High Potential 6. Career development program through the High Potential
Leader (HPL) untuk mendapatkan karyawan yang Leader (HPL) initiative to identify employees with the
memiliki kemampuan, keahlian serta kompetensi yang capabilities, expertise, and competencies required for
dibutuhkan untuk posisi jabatan struktural atau eksekutif. structural or executive positions.
7. Program Internal Job Posting (IJP) sebagai implementasi 7. Internal Job Posting (IJP) program as an implementation
manajemen talenta bagi perusahaan untuk memenuhi of talent management, enabling the Company to fill
posisi melalui source internal serta memberikan positions through internal sourcing while providing
kesempatan kepada karyawan dalam mengembangkan employees with the opportunity to develop their careers
karier yang sesuai dengan passionnya. in alignment with their professional interests.
8. Pelaksanaan asesmen kompetensi dan potensi melalui 8. Implementation of competency and potential
assessment internal, profiling test, serta pemetaan talent assessments through internal assessments, profiling
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
(9-Box Matrix) sebagai dasar objektif dalam promosi, tests, and talent mapping (9-Box Matrix) as an objective
rotasi, pengembangan karier, dan succession planning basis for promotions, rotations, career development,
guna memastikan kesiapan pipeline kepemimpinan and succession planning, to ensure the readiness of
yang selaras dengan strategi bisnis Bank. a leadership pipeline aligned with the Bank's business
strategy.
2025 Annual Report & Sustainability Report 129
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9. Pelaksanaan Workload Analysis (WLA) untuk mengukur 9. Implementation of Workload Analysis (WLA) to measure
beban kerja dan efektivitas organisasi sebagai dasar workload and organizational effectiveness as the basis
penataan struktur, perencanaan kebutuhan SDM, serta for structural planning, human capital needs planning,
optimalisasi produktivitas dan efisiensi biaya secara and the continuous optimization of productivity and cost
berkelanjutan. efficiency.
10. Kajian dan penyempurnaan terhadap kebijakan- 10. Review and refinement of Human Capital policies,
kebijakan Human Capital, khususnya berkaitan particularly those relating to Recruitment & Selection,
dengan kebijakan Rekrutmen & Seleksi, Training & Training & Development, Compensation & Benefits,
Development, Compensation & Benefit, Employee Employee Relations, Career Management, Industrial
Relation, Career Management, Industrial Relation, Relations, and Separation Management.
Separation Management.
RENCANA PROGRAM PENGEMBANGAN EMPLOYEE COMPETENCY DEVELOPMENT
KOMPETENSI KARYAWAN 2026 PROGRAM PLAN FOR 2026
Dalam rangka mendukung strategi pertumbuhan In support of the Bank's business growth strategy, Bank
bisnis, Bank Banten telah menyusun rencana program Banten has formulated a competency development program
pengembangan kompetensi untuk tahun mendatang plan for the coming year, aligned with the organizational
selaras dengan kebutuhan organisasi dan arah strategis needs and strategic direction of the Company. This program
Perusahaan. Program ini difokuskan pada peningkatan is focused on enhancing employee competencies to address
kompetensi karyawan guna menjawab tantangan industri the increasingly dynamic challenges of the industry.
yang semakin dinamis.
Perusahaan telah menyusun program pengembangan The Company has prepared an employee competency
kompetensi karyawan untuk tahun 2026 mendatang. development program for 2026. The program comprises
Program tersebut terdiri dari pelatihan di bidang teknis, non training in technical, non-technical, and leadership
teknis dan kepemimpinan baik yang dilakukan oleh pihak domains, delivered by both internal and external parties.
internal maupun eksternal Perusahaan. Berikut ini adalah The employee competency development program for 2026
program pengembangan kompetensi karyawan tahun 2026. is as follows.
No Bidang / Sector Program Pelatihan / Training Program
1 BIDANG TEKNIS / TECHNICAL
Sertifiasi Kompetensi Sertifikasi Manajemen Risiko Jenjang 4 / Risk Management Certification — Level 4
Kerja di Sektor Perbankan
(SKKNI) dan Selain
SKKNI / Occupational
Competency Certification
in the Banking Sector
(SKKNI) and Non-SKKNI
Sertifikasi Manajemen Risiko Jenjang 5 / Risk Management Certification — Level 5
Sertifikasi Manajemen Risiko Jenjang 6 / Risk Management Certification — Level 6
Sertifikasi Manajemen Risiko Jenjang 7 / Risk Management Certification — Level 7
Sertifikasi Treasury Tingkat Lanjut (Jenjang 7) / Advanced Treasury Certification (Level 7)
Sertifikasi Treasury Tingkat Menengah (Jenjang 6) / Intermediate Treasury Certification (Level 6)
Sertifikasi Treasury Tingkat Dasar (Jenjang 5) / Basic Treasury Certification (Level 5)
Sertifikasi SPPUR Pelaksana / SPPUR Certification — Practitioner Level
Sertifikasi SPPUR Penyelia / SPPUR Certification — Supervisor Level
Sertifikasi SPPUR Eksekutif / SPPUR Certification — Executive Level
Sertifikasi SPPUR Direksi / SPPUR Certification — Board of Directors Level
130 Laporan Tahunan & Laporan Keberlanjutan 2025
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No Bidang / Sector Program Pelatihan / Training Program
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Sertifikasi Audit Advance / Advanced Audit Certification
Sertifikasi Audit Supervisor / Audit Supervisor Certification
Sertifikasi Audit Dasar / Basic Audit Certification
Sertifikasi Customer Service / Customer Service Certification
Sertifikasi Kepatuhan Jenjang 5 / Compliance Certification — Level
Sertifikasi Kepatuhan Jenjang 6 / Compliance Certification — Level 6
Sertifikasi Kepatuhan Jenjang 7 / Compliance Certification — Level 7
Sertifikasi HR / Human Resources (HR) Certification
Sertifikasi Frocurement 1,2 dan 3 / Procurement Certification — Levels 1, 2, And 3
Kompetensi lainnya / Audit Prevention BOD/BOC
Other Competencies
Corporate Level Strategy BOD
Enterprise Risk Management BOD/BOC
Good Corporate Governance BOD/BOC
Strategic Performance Management BOD/BOC
Staf Development Program / Staff Development Program
Grafonomi Dan Grafologi / Graphonomy And Graphology
Pelatihan Cyber Risk / Cyber Risk Training
Pelatihan Excel / Excel Trainint
Train For The Trainer
Training Kredit Komersial Dan Konsumer / Commercial And Consumer Credit Training
Penilaian Jaminan Kredit (Appraisal) / Credit Collateral Valuation (Appraisal)
Analisa Laporan Keuangan / Financial Statement Analysis
Analisa Kredit / Credit Analysis
APU – PPT / APU-PPT (Anti-Money Laundering And Prevention Of Terrorism Financing)
Anti Fraud
Tax Bravet A dan B
Workshop Operasional / Operational Workshop
Interpersonal Development for Secretary
Implementasi PDP / PDP Implementation
Persiapan Pra Pensiun / Pre-Retirement Preparation
Profesional Debt Collection
2 BIDANG NON TEKNIS / NON-TECHNICAL
Non Teknis / Non- Standar Layanan / Service Standards
Technical
Pengenalan Bank Banten / Introduction To Bank Banten
Coaching And Decision Making
Comunication Skill
Selling Skill
3 BIDANG KEPEMIMPINAN / LEADERSHIP
Leadership Leadership BOD
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Corporate Culture
Leadership Management
Melalui inisiatif ini, Perusahaan berharap dapat membangun Through these initiatives, the Company aims to build a
SDM yang kompeten, profesional, dan mampu memberikan competent and professional workforce capable of making
kontribusi optimal bagi pertumbuhan yang berkelanjutan. an optimal contribution to sustainable growth.
2025 Annual Report & Sustainability Report 131
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Teknologi Informasi Information Technology Teknologi informasi (TI) menjadi aspek penting Information technology (IT) is a critical aspect in supporting untuk mendukung perkembangan dan kemajuan the development and advancement of the Company. IT Perusahaan. Adanya TI mampu meningkatkan efektivitas enables the enhancement of the Company's operational operasional Perusahaan. Bank Banten terus berupaya effectiveness. Bank Banten continuously strives to mengimplementasikan TI secara menyeluruh di semua implement IT comprehensively across all lines of business lini bisnis sebagai bagian dari strategi transformasi dan as part of its transformation strategy and the strengthening penguatan daya saing. of its competitive position. Penerapan TI dilakukan melalui pengembangan sistem The implementation of IT is carried out through the yang terintegrasi, peningkatan keamanan informasi, serta development of integrated systems, the enhancement of optimalisasi layanan berbasis digital. Langkah ini tidak information security, and the optimization of digital-based hanya mendukung kelancaran operasional, tetapi juga services. These measures not only support the smooth memperkuat tata kelola, akurasi data, dan pengambilan running of operations, but also strengthen governance, data keputusan yang lebih cepat dan tepat. Dengan komitmen accuracy, and faster and more precise decision-making. tersebut, Perusahaan optimis dapat menghadirkan layanan With this commitment, the Company is confident in its yang inovatif, andal, dan berorientasi pada kebutuhan ability to deliver innovative, reliable, and customer-centric nasabah. services. 132 Laporan Tahunan & Laporan Keberlanjutan 2025
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Teknologi Informasi
Information Technology
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
KOMITMEN PENGELOLAAN TEKNOLOGI INFORMATION TECHNOLOGY
INFORMASI GOVERNANCE COMMITMENT
Perusahaan menyadari pentingnya teknologi informasi bagi The Company recognizes the importance of information
kelancaran aktivitas bisnis. Oleh karena itu, Perusahaan technology to the smooth conduct of its business activities.
berupaya memanfaatkan TI secara maksimal untuk Accordingly, the Company endeavors to make maximum
mendukung operasional serta memperkuat daya saing. use of IT to support operations and strengthen its
Selain itu, Perusahaan juga melakukan berbagai upaya competitive position. In addition, the Company undertakes
pengembangan TI secara berkelanjutan, antara lain melalui various ongoing IT development efforts, including through
pembaruan sistem aplikasi, peningkatan kapasitas dan the updating of application systems, enhancement of
keamanan jaringan, serta pengembangan layanan digital network capacity and security, and the development of
yang lebih inovatif dan responsif terhadap kebutuhan more innovative and responsive digital services to meet
nasabah. customer needs.
Implementasi tata kelola TI Bank Banten berpedoman pada The implementation of IT governance at Bank Banten is
Surat Keputusan Direksi Nomor:149/SK/DIR-BB/IV/2025 guided by Board of Directors' Decree No. 149/SK/DIR-BB/
tentang Kebijakan Teknologi Informasi. Pedoman tersebut IV/2025 on Information Technology Policy. This guideline
secara berkala ditinjau oleh manajemen dan diperbaharui is periodically reviewed by management and updated to
agar sesuai dengan perkembangan teknologi. Selain itu, keep pace with technological developments. In addition,
Bank Banten juga berpedoman pada standar best practice Bank Banten also adheres to best practice standards
dan regulasi dari Bank Indonesia serta POJK tentang and regulations issued by Bank Indonesia as well as the
Penyelenggaraan Teknologi Informasi oleh Bank Umum. POJK on the Implementation of Information Technology by
Pada tahun 2025, fokus tata kelola Bank Banten meliputi: Commercial Banks. In 2025, Bank Banten's IT governance
1. Penerapan standardisasi dokumen dan spesifikasi focus encompassed:
teknis sesuai ketentuan yang berlaku, termasuk 1. Implementation of document standardization and
implementasi Standar Nasional Open API Pembayaran technical specifications in accordance with applicable
(SNAP); regulations, including the implementation of the National
Open API Payment Standard (SNAP);
2. Penguatan pengelolaan akses serta validasi transaksi 2. Strengthening of access management and multi-
secara berlapis, antara lain melalui implementasi layered transaction validation, including through the
validasi SP2D Online dan mekanisme message signing implementation of SP2D Online validation and message
pada layanan BI-FAST; signing mechanisms for BI-FAST services;
3. Pengembangan Loss Event Database (LED) untuk 3. Development of a Loss Event Database (LED) to
meningkatkan akurasi pencatatan dan pemantauan improve the accuracy of recording and monitoring of
risiko operasional. operational risks.
Kebijakan Pengembangan TI IT Development Policy
Pada tahun 2025, pengembangan Teknologi Informasi In 2025, the development of Information Technology at
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank Banten diarahkan sebagai fondasi strategis untuk Bank Banten was directed as a strategic foundation to
mendukung peran Bank Banten sebagai mitra utama support Bank Banten's role as the primary partner of the
Pemerintah Provinsi Banten dalam pengelolaan Rekening Banten Provincial Government in the management of the
Kas Umum Daerah (RKUD) serta memperluas inklusi Regional General Cash Account (RKUD) and to expand
keuangan. Melalui pemutakhiran infrastruktur dan aplikasi, financial inclusion. Through the upgrading of infrastructure
Bank Banten berkomitmen menghadirkan layanan and applications, Bank Banten is committed to delivering
perbankan yang andal, aman, dan terintegrasi. reliable, secure, and integrated banking services.
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Bank Banten telah menyusun kebijakan pengembangan Bank Banten has formulated an IT development policy TI yang diselaraskan dengan strategi bisnis Perusahaan. aligned with the Company's business strategy. Bank Kebijakan pengembangan TI Bank Banten diprioritaskan Banten's IT development policy is prioritized as follows: untuk : 1. Melakukan Integrasi Ekosistem Pemerintah Daerah 1. Integration of the Regional Government Ecosystem dengan mengembangkan sistem yang terhubung by developing systems directly connected to regional langsung dengan tata kelola keuangan daerah dengan financial governance, utilizing the SIPD RI Application pemanfaatan Aplikasi SIPD RI untuk memastikan to ensure the smooth management of RKUD financial kelancaran pengelolaan pengeluaran keuangan RKUD expenditures within the Regional Government di lingkungan Pemerintah Daerah; environment; 2. Melakukan modernisasi kanal digital dengan tujuan 2. Modernization of digital channels with the aim of memperkuat kapabilitas Digital Banking melalui fitur strengthening Digital Banking capabilities through BI- BIFAST, QRIS, dan pengembangan Mobile Banking FAST, QRIS, and the development of Mobile Banking (Jawara Mobile) guna meningkatkan fee-based income (Jawara Mobile) to increase fee-based income and low- dan dana murah (CASA); cost funds (CASA); 3. Melakukan Pemenuhan standar regulasi terbaru dari 3. Fulfillment of the latest regulatory standards from the Otoritas Jasa Keuangan maupun Bank Indonesia yang Financial Services Authority and Bank Indonesia, di antaranya adalah pemutakhiran terhadap (SNAP BI), including the updating of the National Open API dan penguatan sistem internal audit serta manajemen Payment Standard (SNAP BI) and the strengthening of risiko; the internal audit system and risk management; 4. Implementasi Aplikasi SPRINT yaitu integrasi aplikasi 4. Implementation of the SPRINT Application, namely the SPRINT secara host to host dengan Kementerian host-to-host integration of the SPRINT application with Keuangan untuk pelayanan pembukaan rekening the Ministry of Finance for the opening of institutional/ kelembagaan/Kementerian. ministerial accounts. Tujuan Pengembangan TI IT Development Objectives Berdasarkan kebijakan strategis yang telah disusun, Based on the strategic policies formulated, the Company's pengembangan TI Perusahaan di tahun 2025 bertujuan IT development in 2025 aims to: untuk: 1. Menjamin keandalan dan kecepatan transaksi 1. Ensure the reliability and speed of Regional Government Pemerintah Daerah melalui digitalisasi proses pencairan transactions through the digitalization of regional dan penerimaan daerah; disbursement and revenue processes; 2. Meningkatkan customer experience nasabah melalui 2. Enhance customer experience through faster services, layanan yang lebih cepat, seperti transfer antar bank such as real-time interbank transfers and non-cash real-time dan pembayaran non-tunai; payments; 3. Memperkuat infrastruktur pengendalian internal guna 3. Strengthen internal control infrastructure to mitigate memitigasi risiko operasional dan fraud; operational and fraud risks; 4. Mendukung efisiensi operasional bank melalui 4. Support the Bank's operational efficiency through the otomatisasi pelaporan dan pengelolaan data. automation of reporting and data management. PIHAK PENGELOLA TEKNOLOGI INFORMATION TECHNOLOGY INFORMASI MANAGEMENT Pengembangan Teknologi Informasi di Bank Banten Information Technology development at Bank Banten is dikelola oleh Divisi Teknologi Informasi yang berada di managed by the Information Technology Division, which bawah supervisi langsung Direktur Operasional. Dalam operates under the direct supervision of the Operations pelaksanaannya, pengelolaan tersebut didukung oleh Director. In its execution, this management is supported 134 Laporan Tahunan & Laporan Keberlanjutan 2025
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Komite Pengarah Teknologi Informasi (IT Steering by the Information Technology Steering Committee (IT
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
Committee) yang berperan dalam memberikan arahan Steering Committee), which is responsible for providing
strategis, serta dilaksanakan melalui kerja sama dengan strategic direction, and is carried out in collaboration with
pihak ketiga (vendor) terpilih sesuai dengan kebutuhan selected third-party vendors (vendors) in accordance with
pengembangan sistem dan ketentuan yang berlaku. system development needs and applicable regulations.
DONALD FETERENCE
Kepala Divisi Teknologi Informasi / Head of Information Technology Division
Dasar Pengangkatan 1. SK Direksi No. 307/SK/DIR-BB/VII/2021 tentang Mutasi Karyawan; / Board of Directors' Decree No.
307/SK/DIR-BB/VII/2021 on Employee Transfer;
2. SK Direksi No. 522/SK/DIR-BB/X/2021 tentang Definitif Jabatan Karyawan / Board of Directors'
Decree No. 522/SK/DIR-BB/X/2021 on Definitive Appointment of Employee Position.
Profil bapak Donald Feterence menjabat sebagai Ketua The profile of Mr. Donald Feterence who serves as the Head
Divisi Teknologi Informasi telah disajikan dalam Bab Profil of the Information Technology Division has been presented
Perusahaan di bagian Pejabat Eksekutif. in the Company Profile Chapter in the Executive Officers
section.
Tugas dan Tanggung Jawab Duties and Responsibilities
Dalam melaksanakan tata kelola teknologi informasi, Divisi In the implementation of information technology governance,
Teknologi Informasi memiliki tugas dan tanggung jawab the Information Technology Division has the following duties
antara lain : and responsibilities:
1. Menyusun rencana strategis dan rencana kerja 1. Formulating the strategic plan and work plan for
pengembangan Teknologi Informasi yang selaras Information Technology development in alignment with
dengan strategi bisnis Bank. the Bank's business strategy.
2. Menetapkan arsitektur Teknologi Informasi sebagai 2. Establishing the Information Technology architecture
acuan dalam pengembangan sistem dan infrastruktur. as a reference framework for system and infrastructure
development.
3. Melaksanakan pengembangan, pengujian, 3. Carrying out the development, testing, implementation,
implementasi, dan pemeliharaan aplikasi serta sistem and maintenance of applications and Information
Teknologi Informasi sesuai standar yang berlaku. Technology systems in accordance with applicable
standards.
4. Memastikan setiap pengembangan sistem dilakukan 4. Ensuring that every system development is conducted
melalui proses manajemen perubahan (change through an adequate change management process and
management) dan pengujian yang memadai sebelum testing prior to implementation.
implementasi.
5. Mengelola infrastruktur TI untuk memastikan 5. Managing IT infrastructure to ensure the availability,
ketersediaan, keandalan, kapasitas, dan kinerja sistem reliability, capacity, and performance of systems remain
tetap optimal. optimal.
6. Menerapkan pengendalian keamanan informasi dan 6. Implementing information security and cybersecurity
keamanan siber dalam setiap proses pengembangan controls in every system development and operational
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
dan operasional sistem. process.
7. Mengidentifikasi, mengukur, memantau, dan 7. Identifying, measuring, monitoring, and controlling
mengendalikan risiko yang timbul dari kegiatan risks arising from Information Technology development
pengembangan Teknologi Informasi. activities.
8. Memastikan seluruh kegiatan pengembangan TI 8. Ensuring that all IT development activities comply with
mematuhi ketentuan regulator, kebijakan internal, serta regulatory requirements, internal policies, and applicable
standar keamanan informasi yang berlaku. information security standards.
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9. Melakukan pemantauan dan evaluasi terhadap 9. Conducting monitoring and evaluation of Information
pelaksanaan proyek pengembangan Teknologi Technology development project implementation.
Informasi.
10. Menyampaikan laporan perkembangan proyek, 10. Submitting periodic reports on project progress, risks,
risiko, serta kinerja layanan TI secara berkala kepada and IT service performance to management and/or the
manajemen dan/atau Komite Pengarah TI. IT Steering Committee.
REALISASI PENGEMBANGAN TI 2025 IT DEVELOPMENT REALIZATION IN 2025
Sebagai wujud komitmen untuk menjadi pengelola RKUD As a manifestation of its commitment to becoming a
yang kredibel dan meningkatkan inklusi keuangan, Bank credible RKUD manager and enhancing financial inclusion,
Banten telah merealisasikan serangkaian inisiatif strategis Bank Banten has realized a series of strategic initiatives
sepanjang tahun 2025 yang mencakup tiga pilar utama: throughout 2025 encompassing three main pillars:
1. Dukungan Ekosistem RKUD dan Pemerintah Daerah 1. RKUD and Regional Government Ecosystem Support
Untuk memfasilitasi peran sebagai pemegang Kas To facilitate its role as the custodian of Regional Cash,
Daerah, Bank Banten telah melakukan pengembangan Bank Banten undertook extensive system development,
sistem yang masif, antara lain: including:
• Integrasi SIPD RI sebagai bentuk implementasi ∙ Integration of SIPD RI as an implementation of
spesifikasi dokumen SIPD RI SNAP dan Validasi the SIPD RI SNAP document specifications and
atas Transaksi SP2D Online untuk mempercepat validation of SP2D Online transactions, to accelerate
proses pencairan dana APBD secara digital dan the digital and transparent disbursement of regional
transparan; budget (APBD) funds;
• Optimalisasi pendapatan daerah dengan melakukan ∙ Optimization of regional revenue through the
pengembangan Aplikasi Samsat Ceria, modul development of the Samsat Ceria Application and
Tabungan Pajak Kendaraan Bermotor untuk the Motor Vehicle Tax Savings module to facilitate
memudahkan pembayaran dan pengelolaan pajak the payment and management of regional taxes;
daerah;
• Dukungan terhadap layanan Giro Pemerintah ∙ Support for Government Current Account (Giro
dengan melakukan pembaruan sistem pembebanan Pemerintah) services through the updating of the
biaya admin transfer Giro Pemerintah untuk akurasi administrative fee charging system for Government
pembukuan. Current Account transfers to ensure bookkeeping
accuracy;
• Dukungan terhadap Penerimaan pendapatan Asli ∙ Support for Regional Own-Source Revenue (PAD)
Daerah (PAD), melalui layanan Pembayaran Pajak collection through Land and Building Tax (PBB) and
PBB, PDAM baik wilayah Banten dan di luar Banten, PDAM payment services, covering both Banten and
baik melalui channel Teller maupun Mobile Banking non-Banten regions, accessible via Teller channels
(Jawara Mobile). as well as Mobile Banking (Jawara Mobile).
2. Akselerasi Layanan Digital dan Inklusi Keuangan Dalam 2. Acceleration of Digital Services and Financial Inclusion
rangka meningkatkan daya saing dan inklusi keuangan In order to enhance competitiveness and financial
di Banten, dalam hal ini Bank Banten meluncurkan fitur- inclusion in Banten, Bank Banten launched the following
fitur pada tahun 2025 adalah sebagai berikut: features in 2025:
• Melakukan Implementasi terhadap BIFAST ∙ Implementation of BI-FAST (Incoming & Outgoing)
(Incoming & Outgoing) dengan fitur keamanan with Message Signing security features, as well as
Message Signing, serta perluasan akseptasi QRIS the expansion of BJTM QRIS acceptance to serve
BJTM untuk melayani BLUD Provinsi Banten the Banten Province BLUD and the QRIS Merchant
dan Aplikasi Monitoring QRIS Merchant untuk Monitoring Application to support MSMEs in Banten
mendukung UMKM di Provinsi Banten; Province;
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• Melakukan proses pengembangan Top up E-wallet ∙ Development of the BantenPay E-wallet Top-Up
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
BantenPay sebagai solusi pembayaran digital yang feature as a broader digital payment solution for the
lebih luas bagi masyarakat; public;
• Implementasi H2H Aplikasi SPRINT untuk pelayanan ∙ Implementation of the SPRINT Application host-to-
pembukaan rekening Kelembagaan/Kementerian. host (H2H) integration for the opening of institutional/
ministerial accounts.
3. Penguatan operasional dan manajemen Internal pada 3. Strengthening of Operations and Internal Management
sisi internal Bank Banten, untuk meningkatkan efisiensi On the internal side, Bank Banten undertook several
dan tata Kelola Bank Banten melakukan beberapa measures to improve efficiency and governance,
upaya, antara lain: including:
• Penguatan pada Sistem Audit & Risiko Peluncuran ∙ Strengthening of the Audit & Risk System through
Aplikasi Audit System V2.0 dan Aplikasi Loss the launch of Audit System V2.0 and the Loss
Event Database (LED) untuk memperkuat fungsi Event Database (LED) Application to reinforce the
pengawasan (3rd line of defense); supervisory function (3rd line of defense);
• Pengelolaan Kredit & Data dengan melakukan ∙ Credit & Data Management through the development
pengembangan Aplikasi Rekap SLIK, konversi of the SLIK Recap Application, conversion of PRK
kredit PRK ke Kredit Loan, dan Aplikasi Olah Data credit to Loan Credit, and the Shareholder Data
Pemegang Saham V2.0; Processing Application V2.0;
• Sinergi Bisnis dengan melakukan integrasi modul ∙ Business Synergy through the integration of
aplikasi dengan mitra strategis, Web Sentralisasi application modules with strategic partners, the
Asuransi, serta aplikasi untuk kebutuhan asuransi. Insurance Centralization Web, and applications for
insurance needs.
Implementasi pada Tahun 2025 menegaskan kesiapan The implementations carried out in 2025 affirm the readiness
infrastruktur TI Bank Banten dalam menyongsong of Bank Banten's IT infrastructure in anticipating sustainable
pertumbuhan bisnis yang berkelanjutan dan memberikan business growth and delivering excellent services to the
layanan prima bagi Pemerintah Provinsi Banten serta Banten Provincial Government and all customers.
seluruh nasabah.
INVESTASI PENGEMBANGAN TI 2025 IT DEVELOPMENT INVESTMENT IN 2025
Sepanjang tahun 2025, Bank Banten telah melakukan Throughout 2025, Bank Banten made payments for
pembayaran atas layanan managed service dan managed services and Information Technology development
pengembangan Teknologi Informasi sebagai bagian dari as part of its efforts to enhance digital service capacity,
upaya peningkatan kapasitas layanan digital, penguatan strengthen system security, and modernize infrastructure
keamanan sistem, serta modernisasi infrastruktur dan and operational support applications. These expenditures
aplikasi pendukung operasional Bank. Pengeluaran tersebut encompassed managed services, application development
mencakup layanan managed service, pengembangan and system integration, IT infrastructure enhancement,
aplikasi dan integrasi sistem, peningkatan infrastruktur cybersecurity strengthening implementation, as well as the
Teknologi Informasi, implementasi penguatan keamanan development of governance and risk management support
siber, serta pengembangan sistem pendukung tata kelola systems. The total costs realized in 2025 amounted to
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
dan manajemen risiko. Total biaya yang telah direalisasikan Rp35,474,585,994.
pada tahun 2025 sebesar Rp35.474.585.994.
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PROSES GOVERNANSI TERKAIT ISU GOVERNANCE PROCESS RELATING TO IT
TI TERMASUK DISRUPTION, CYBER ISSUES INCLUDING DISRUPTION, CYBER
SECURITY DAN DISASTER RECOVERY SECURITY, AND DISASTER RECOVERY
Isu Teknologi Informasi yang berkaitan dengan gangguan Information Technology issues relating to service disruptions,
layanan (system disruption), serangan siber (cyber cyber-attacks, and disaster conditions are managed
attack), maupun kondisi bencana (disaster) telah dikelola through a structured handling mechanism involving relevant
melalui mekanisme penanganan yang terstruktur dan work units in accordance with their respective roles and
melibatkan unit kerja terkait sesuai dengan peran dan responsibilities. The handling of cyber-attack risks involves
tanggung jawab masing-masing. Penanganan risiko the Risk Management Division, while the management of
serangan siber melibatkan Divisi Manajemen Risiko, disaster conditions involves the Operations Division, as well
sementara pengelolaan kondisi bencana melibatkan Divisi as other relevant work units depending on the type and level
Operasional, serta unit kerja terkait lainnya sesuai dengan of impact of the disruption.
jenis dan tingkat dampak gangguan yang terjadi.
Dalam proses koordinasi penanganan insiden, Bank In the incident handling coordination process, Bank Banten
Banten menggunakan mekanisme call tree sebagai media employs a call tree mechanism as the official communication
komunikasi resmi untuk memastikan respons yang cepat medium to ensure a swift and coordinated response. The
dan terkoordinasi. Hasil penanganan insiden, termasuk results of incident handling, including status, impact, and
status, dampak, dan langkah mitigasi yang dilakukan, mitigation measures taken, are subsequently reported to
selanjutnya dilaporkan kepada Direksi oleh unit kerja terkait the Board of Directors by the relevant work units as part
sebagai bagian dari mekanisme pengawasan dan tata of the Information Technology oversight and governance
kelola Teknologi Informasi. mechanism.
RENCANA PENGEMBANGAN TEKNOLOGI INFORMATION TECHNOLOGY
INFORMASI TAHUN 2026 DEVELOPMENT PLAN FOR 2026
Rencana Program Pengembangan Teknologi Informasi The Information Technology Development Program Plan
Bank Banten untuk 1 (satu) tahun ke depan mengacu pada for Bank Banten for the next 1 (one) year is guided by
Rencana Pengembangan Teknologi Informasi (RPTI) yang the Information Technology Development Plan (RPTI),
telah disusun sebagai bagian dari perencanaan strategis which has been formulated as part of the Bank's strategic
Bank. RPTI tersebut mencakup pengembangan dan planning. The RPTI encompasses the development and
peningkatan aplikasi, infrastruktur, keamanan informasi, enhancement of applications, infrastructure, information
serta layanan digital guna mendukung kebutuhan bisnis, security, and digital services to support business and
operasional, dan kepatuhan terhadap ketentuan regulator. operational needs as well as compliance with regulatory
requirements.
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Program pengembangan Teknologi Informasi yang The planned Information Technology development
Tinjauan Unit Pendukung Bisnis ∙ Overview on Business Supports
direncanakan antara lain meliputi penguatan layanan programs include, among others, the strengthening of
sistem pembayaran dan integrasi perbankan, peningkatan payment system services and banking integration, the
keamanan transaksi dan sistem melalui implementasi enhancement of transaction and system security through
pengamanan berlapis, serta modernisasi infrastruktur the implementation of multi-layered security measures,
pusat data dan sistem pendukung operasional. Selain itu, and the modernization of data center infrastructure and
Bank juga merencanakan penguatan sistem pengawasan operational support systems. In addition, the Bank also
dan manajemen risiko Teknologi Informasi, termasuk plans to strengthen its Information Technology supervisory
pengembangan sistem pendeteksian fraud, peningkatan and risk management systems, including the development
mekanisme pencadangan dan pemulihan bencana (disaster of fraud detection systems, the enhancement of backup and
recovery), serta penguatan sistem autentikasi dan proteksi disaster recovery mechanisms, and the strengthening of
aplikasi. authentication systems and application protection.
Sejalan dengan peningkatan ketahanan keamanan In line with the enhancement of cybersecurity resilience,
siber, Bank Banten juga merencanakan penyempurnaan Bank Banten also plans to refine its information security
kebijakan, standar, dan prosedur keamanan informasi guna policies, standards, and procedures to strengthen IT
memperkuat tata kelola keamanan Teknologi Informasi, security governance, including the reinforcement of access
termasuk penguatan kebijakan pengendalian akses, control policies, information security incident management,
manajemen insiden keamanan informasi, serta pengelolaan and cybersecurity risk management, in alignment with
risiko keamanan siber agar selaras dengan ketentuan regulatory requirements and industry best practices.
regulator dan praktik terbaik industri.
Dari sisi layanan digital dan bisnis, RPTI juga mencakup From the perspective of digital and business services, the
pengembangan dan penyempurnaan fitur pada layanan RPTI also encompasses the development and enhancement
perbankan elektronik dan mobile banking, pengembangan of features in electronic and mobile banking services,
layanan transaksi keuangan digital, integrasi dengan mitra the development of digital financial transaction services,
dan instansi eksternal, serta pengembangan layanan integration with external partners and agencies, as well
pendukung bisnis dan pemerintah daerah. Seluruh rencana as the development of business and regional government
pengembangan Teknologi Informasi tersebut dilaksanakan support services. All Information Technology development
secara bertahap dengan memperhatikan prinsip tata kelola plans are to be implemented in a phased manner, with
Teknologi Informasi yang baik, manajemen risiko, serta due regard to the principles of sound IT governance, risk
keselarasan dengan strategi bisnis Bank. management, and alignment with the Bank's business
strategy.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
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LAPORAN TAHUNAN & KEBERLANJUTAN 20 ANNUAL REPORT & SUSTAINABILITY REPORT 25
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05
Analisis dan
Pembahasan
Manajemen
Management Discussion
and Analysis
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
Page 144
Tinjauan Makro Ekonomi Macroeconomic Overview EKONOMI GLOBAL GLOBAL ECONOMY Menjelang akhir tahun 2025, ekonomi global masih As 2025 drew to a close, the global economy remained diliputi dengan ketidakpastian. Hal ini dipicu oleh adanya clouded by uncertainty. Key risk factors included global risiko ekonomi seperti fragmentasi perdagangan global, trade fragmentation, fiscal vulnerabilities and rising public kerentanan fiskal dan utang publik, risiko koreksi pasar debt, the risk of correction in global financial markets, and keuangan global, hingga perubahan kebijakan tarif shifts in United States trade tariff policies on exports and dagang Amerika Serikat terkait ekspor-impor. Selain imports. Beyond trade-related concerns, several significant faktor perdagangan, sejumlah peristiwa penting turut developments further shaped the global economic outlook. memengaruhi arah perekonomian global. Pertama, konflik Geopolitical conflicts in Ukraine and the Middle East stoked geopolitik di Ukraina dan Timur Tengah yang menimbulkan fears over energy and food price stability, while heightened kekhawatiran terhadap stabilitas harga energi dan pangan. volatility in international financial markets was compounded Kedua, adanya votalitas pasar keuangan internasional by the continued strengthening of the US dollar (Ministry of yang meningkat seiring dengan penguatan dollar AS Finance, 2025). (Kementerian Keuangan, 2025). Beberapa faktor tersebut, membuat perekonomian global Taken together, these factors contributed to global berada pada kisaran 3,1%. Berdasarkan data International economic growth of approximately 3.1%. According to Monetary Fund (IMF), pertumbuhan ekonomi negara- International Monetary Fund (IMF) data, growth trajectories negara di dunia turut menunjukkan hasil yang tidak stabil. across economies remained uneven. The European region Secara keseluruhan, pertumbuhan ekonomi Kawasan expanded by 1.5%, sustaining a slow but relatively stable Eropa adalah sebesar 1,5%, berada dalam fase pemulihan recovery underpinned by household consumption, tourism, yang lambat namun relatif stabil. Hal ini didukung oleh and fiscal support. China's economy grew by 5.2%, meeting konsumsi rumah tangga, pariwisata, dan dukungan fiskal. its established growth target on the back of robust exports Pertumbuhan ekonomi Tiongkok tercatat sebesar 5,2%, and a high-technology manufacturing sector. The United masih mampu mencapai target yang telah ditetapkan. Hal States recorded growth of 2.0%, followed by Japan at ini didukung oleh kuatnya ekspor dan sektor manufaktur 1.2%. These figures reflect an ongoing global economic berteknologi tinggi. Selanjutnya, perekonomian Amerika adjustment in the wake of multiple shocks in recent years, Serikat (AS) mampu tumbuh sebesar 2,0% dan dikuti oleh including inflationary pressures, restrictive monetary Jepang dengan pertumbuhan sebesar 1,2%. Kondisi ini policies, and persistent geopolitical tensions. mencerminkan proses penyesuaian ekonomi global setelah berbagai guncangan dalam beberapa tahun terakhir, termasuk tekanan inflasi, kebijakan moneter yang ketat, serta dinamika geopolitik yang masih berlangsung. Memasuki triwulan keempat, inflasi global menunjukkan Entering the fourth quarter, global inflation trends diverged tren yang beragam tiap negara. Di negara maju seperti across countries. Advanced economies such as the United AS dan Inggris masih menghadapi tekanan inflasi yang States and the United Kingdom continued to grapple berada di atas target Bank Sentral 2%, sementara inflasi with inflation above the 2% central bank target, with the Inggris tercatat sebesar 3,6%. Negara-negara Asia United Kingdom recording inflation of 3.6%. Across Asia, cenderung mengalami moderasi dan perlambatan inflasi inflation generally moderated in response to the US Federal yang disebabkan oleh dampak kebijakan The Fed dan Reserve's policy stance and softening domestic demand. permintaan domestik yang melemah. Namun demikian, dari Within the ASEAN region, price pressures were broadly sisi harga, inflasi di sebagian besar negara ASEAN relatif contained. Indonesia recorded annual inflation of 2.72% 142 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tinjauan Makro Ekonomi
Macroeconomic Overview
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
terkendali. Indonesia mencatat inflasi tahunan sebesar (YoY), in line with Bank Indonesia's target. The Philippines
2,72% (YoY), konsisten dengan sasaran Bank Indonesia. reported inflation of 1.7% (YoY), driven primarily by food
Filipina melaporkan inflasi 1,7% (YoY), dengan kontribusi and transportation costs. Malaysia's inflation eased to
utama dari kelompok makanan dan transportasi. Malaysia 1.3% (YoY), reflecting moderation in food and restaurant
mencatat inflasi 1,3% (YoY), turun dari bulan sebelumnya, service prices. Vietnam recorded inflation of 3.25% (YoY),
terutama dipengaruhi oleh moderasi harga makanan dan marginally lower than the 3.38% recorded in September.
jasa restoran. Sementara itu, Vietnam mencatat inflasi Singapore reported inflation of 1.2% (YoY), supported by
3,25% (YoY), sedikit menurun dari 3,38% pada September. higher prices in services, transportation, and healthcare.
Singapura melaporkan inflasi 1,2% (YoY), didorong oleh Thailand remained in deflationary territory at -0.76% (YoY).
kenaikan harga jasa, transportasi, dan kesehatan. Thailand The relative inflation stability across ASEAN underscores
masih mengalami deflasi sebesar 0,76% (YoY). Stabilitas the effectiveness of regional monetary policies and the
inflasi di kawasan ASEAN mencerminkan efektivitas resilience of domestic consumption as the primary engine
kebijakan moneter serta peran konsumsi domestik sebagai of growth.
penopang utama pertumbuhan.
Rencana Amerika Serikat dalam menerapkan tarif impor The United States' plans to impose reciprocal import tariffs
resiprokal ke berbagai negara tidak hanya memperlambat on trading partners posed a dual threat, not only dampening
perekonomian, tetapi juga mengganggu rantai pasok global. economic growth but also disrupting global supply chains.
Dampaknya dirasakan oleh negara-negara mitra dagang Major trading partners, including Europe, Japan, and India,
utama seperti Eropa, Jepang, dan India. Kebijakan tarif felt the ripple effects of these measures. The tariff policies
ini dikhawatirkan akan mendorong kenaikan harga barang raised concerns of driving up consumer prices globally,
secara global, memperburuk inflasi, menekan pertumbuhan, exacerbating inflation, suppressing growth, and increasing
dan meningkatkan pengangguran. Negara berkembang unemployment. Developing economies were particularly
menjadi pihak yang paling rentan karena keterbatasan vulnerable, given their limited fiscal capacity to absorb and
ruang fiskal dalam merespons dampak tersebut. respond to such external shocks.
Secara keseluruhan, kondisi ekonomi global pada akhir Overall, the global economy at the close of 2025 was
2025 berada dalam fase penyesuaian. Meskipun masih navigating a period of adjustment. While trade uncertainty
dibayangi ketidakpastian perdagangan dan risiko geopolitik, and geopolitical risks continued to cast a shadow,
terdapat sinyal positif berupa penurunan inflasi dan mulai encouraging signs emerged in the form of easing inflation
longgarnya kebijakan moneter di sejumlah negara. and a gradual loosening of monetary policy in several
countries.
PERTUMBUHAN EKONOMI DUNIA DAN WORLD AND REGIONAL ECONOMIC
KAWASAN GROWTH
Uraian / Description 2023 2024 2025
Dunia / World 2,9 3,2 3,1
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Negara Maju / Developed Economies 1,4 1,8 1,4
Negara Berkembang / Developing Economies 4,1 4,2 4,1
Asia Timur dan Pasifik / East Asia and Pacific 4,6 4,8 5,2
Eropa dan Asia Tengah / Europe and Central Asia 2,4 2,4 1,8
Amerika Latin dan Karibia / Latin America and the Caribbean 2 2,4 2,4
Timur Tengah dan Afrika Utara / Middle East and North Africa 1,9 2,9 3,0
Asia Selatan / South Asia 5,8 6,4 5,8
Sub Sahara Afrika / SubSaharan Africa 2,5 3,8 3,7
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Tinjauan Ekonomi Nasional
National Economic Overview
PRODUK DOMESTIK BRUTO GROSS DOMESTIC PRODUCT
Melihat gejolak ekonomi global yang masih berlanjut ke Against the ongoing global economic turbulence extending
tahun 2025, Perekonomian Indonesia masih dihadapi into 2025, the Indonesian economy faced persistent
dengan ketidakpastian seperti adanya inflasi, ketegangan uncertainties, including inflationary pressures, political
politik, hingga risiko ekonomi lainnya. Namun demikian, tensions, and various other economic risks. Nevertheless,
perekonomian Indonesia menunjukkan ketahanan. the Indonesian economy demonstrated resilience. According
Berdasarkan data Badan Pusat Statistik (BPS), Produk to data from the Statistics Indonesia (BPS), Gross Domestic
Domestik Bruto (PDB) triwulan pertama pada tahun Product (GDP) in the first quarter of 2025 grew by 4.87%
2025 tercatat tumbuh sebesar 4,87% secara tahunan on a year-on-year (YoY) basis. In the second quarter, GDP
(yoy). Selanjutnya, PDB triwulan kedua menunjukkan growth moderated to 4.04% YoY. Growth showed further
pertumbuhan ekonomi sebesar 4,04% yoy. Pertumbuhan improvement in the third quarter, with GDP expanding by
ekonomi terlihat semakin membaik pada triwulan ketiga 5.04%. By the end of December 2025, GDP growth was
dengan tingkat PDB tumbuh 5,04%. Hingga pada akhir recorded at 5.11%, surpassing the 5.03% growth achieved
Desember 2025, PDB tercatat tumbuh sebesar 5,11%, lebih in 2024.
tinggi dibandingkan capaian tahun 2024 yang mengalami
pertumbuhan sebesar 5,03 persen.
Pertumbuhan PDB didukung oleh peningkatan baik GDP growth was supported by improvements on both the
dari segi produksi maupun segi pengeluaran. Dari sisi production and expenditure sides. On the production side,
produksi, Lapangan Usaha Jasa Lainnya mengalami the Other Services sector recorded the highest growth at
pertumbuhan tertinggi sebesar 9,93 persen. Sementara 9.93%. On the expenditure side, the Exports of Goods and
dari sisi pengeluaran, Komponen Ekspor Barang dan Jasa Services component recorded the highest growth at 7.03%.
mengalami pertumbuhan tertinggi sebesar 7,03 persen.
PERTUMBUHAN EKONOMI NASIONAL NATIONAL ECONOMIC GROWTH IN 2021–
2021-2025 2025
Pertumbuhan Ekonomi Nasional (%) /
Tahun / Year
National Economic Growth (%)
2025 5,11%
2024 5,03%
2023 5,03%
2022 5,31
2021 3,69
*Sumber: Badan Pusat Statistik (BPS), 2025 *Source: Statistics Indonesia (BPS), 2025
Pada tahun 2021, perekonomian Indonesia mulai pulih dari In 2021, the Indonesian economy began its recovery from
dampak pandemi COVID-19 dengan pertumbuhan sebesar the impact of the COVID-19 pandemic, recording growth of
3,69%, didorong oleh berbagai intervensi pemerintah 3.69%, driven by various government interventions through
melalui program Pemulihan Ekonomi Nasional (PEN). the National Economic Recovery (PEN) program. The
Pemulihan berlanjut pada tahun 2022 dengan pertumbuhan recovery continued in 2022, with growth reaching 5.31%.
mencapai 5,31%. Meskipun menghadapi ketidakpastian Despite facing global economic uncertainty, Indonesia
ekonomi global, Indonesia berhasil mempertahankan maintained stable growth of approximately 5% in both 2023
pertumbuhan stabil sekitar 5% pada tahun 2023 dan 2024. and 2024, supported by strong domestic consumption,
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Tinjauan Ekonomi Nasional
National Economic Overview
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Pertumbuhan ini didukung oleh konsumsi domestik yang government expenditure, and increasing investment,
kuat, belanja pemerintah, serta investasi yang meningkat, including infrastructure development across various regions
termasuk pembangunan infrastruktur di berbagai wilayah of Indonesia.
Indonesia.
Namun, ekspor mengalami kontraksi sebesar 4,26% pada However, exports contracted by 4.26% in 2024 due to the
tahun 2024 akibat perlambatan ekonomi global. Meskipun global economic slowdown. Nonetheless, services exports
demikian, ekspor jasa tetap tumbuh kuat, didukung continued to grow strongly, supported by an increase
oleh peningkatan kunjungan wisatawan mancanegara. in foreign tourist arrivals. Indonesia's foreign exchange
Posisi cadangan devisa Indonesia pada akhir Desember reserves at the end of December 2024 were recorded at
2024 tercatat sebesar 146,4 miliar dolar AS, lebih tinggi USD146.4 billion, higher than the positions at the end of
dibandingkan posisi akhir November 2024 dan Desember November 2024 and December 2023. The Rupiah exchange
2023. Nilai tukar Rupiah per 28 Desember 2024 ditutup rate as of December 28, 2024 closed at Rp15,415 per US
pada level Rp15.415 per dolar AS, sementara yield Surat dollar, while the yield on 10-year Government Securities
Berharga Negara (SBN) 10 tahun turun ke 6,46%. (SBN) fell to 6.46%.
Didukung oleh konsumsi rumah tangga, perdagangan, dan Supported by household consumption, trade, and
hilirisasi, perekonomian Indonesia di tahun 2025 semakin downstream industry development, the Indonesian
menunjukkan ketahanan. Ekonomi Indonesia tahun 2025 economy in 2025 demonstrated further resilience.
tumbuh impresif sebesar 5,11% (yoy). Pertumbuhan ini Indonesia's economy grew impressively by 5.11% (YoY)
menunjukkan resiliensi ekonomi Indonesia di tengah in 2025, reflecting the economy's resilience amid global
tekanan global, dengan sektor industri pengolahan tetap pressures, with the manufacturing sector remaining the
menjadi penyumbang terbesar PDB largest contributor to GDP.
Secara keseluruhan, pertumbuhan ekonomi Indonesia Overall, Indonesia's economic growth during the 2021–2025
selama periode 2021-2025 mencerminkan ketahanan dan period reflects its resilience and adaptability in the face of
adaptabilitas terhadap berbagai tantangan, baik dari dalam various challenges, both domestic and external.
maupun luar negeri.
INDIKATOR PEREKONOMIAN NASIONAL NATIONAL ECONOMIC INDICATORS
Komponen / Component 2021 2022 2023 2024 2025
Transaksi Berjalan / Current Account 3,5 13,2 -2,1 -2,2 1,5
A. Barang / Goods 43,8 62,7 46,3 9,3 39,9
- Ekspor, fob / Exports, f.o.b. 232,8 292,5 257,7 67,2 261,8
- Impor, fob / Imports / f.o.b. -189,0 -229,9 -211,4 -57,9 -221,9
a. Nonmigas / Non-Oil & Gas 57,8 89,8 67,8 14,8 65,0
b. Migas / Oil & Gas -13,0 -24,8 -19,9 -4,4 -4,8
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
B. Jasa-jasa / Services -14,6 -20,0 -17,8 -4,2 -5,0
C. Pendapatan Primer / Primary Income -32,0 -35,3 -36,0 -8,9 36,5
D. Pendapatan Sekunder / Secondary Income 6,3 5,8 5,4 1,6 1,7
Transaksi Modal dan Finansial / Capital and Financial Account 12,5 -9,2 9,5 6,6 7,0
1. Investasi Langsung / Direct Investment 17,3 18,1 14,6 5,2 15,0
2. Investasi Portofolio / Portfolio Investment 5,1 -11,6 2,2 9,6 8,5
3. Investasi Lainnya / Other Investment -10,2 -15,6 -7,4 -8,6 16,5
Neraca Keseluruhan / Overall Balance 13,5 4,0 6,3 5,9 5,5
2025 Annual Report & Sustainability Report 145
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Komponen / Component 2021 2022 2023 2024 2025
Memorandum:
- Cadangan Devisa / Foreign Exchange Reserves 144,9 137,2 146,4 149,9 150,0
Dalam bulan Impor dan Pembayaran ULN Pemerintah / In months of 7,8 5,9 6,5 6,4 6,3
Imports and Government External Debt Payments
- Transaksi Berjalan (% PDB) / Current Account (% of GDP) 0,3 1,0 -0,2 -0,6 -0,1
Badan Pusat Statistik (BPS) mengungkapkan bahwa Statistics Indonesia (BPS) reported that economic growth
kinerja pertumbuhan ekonomi 2024 di semua kelompok performance in 2024 was conducive across all island
pulau tercatat kondusif, meskipun dibayangi pelemahan groups, despite being overshadowed by the global economic
ekonomi global. Pulau Jawa masih memberikan kontribusi slowdown. The island of Java continued to contribute the
terbesar terhadap struktur perekonomian Indonesia, yakni largest share to Indonesia's economic structure at 56.93%,
56,93%. Adapun kontributor terbesar lainnya diikuti oleh followed by Sumatra at 22.22%, Kalimantan at 8.12%,
pulau Sumatera dengan perolehan 22,22%, Kalimantan Sulawesi at 7.22%, Bali and Nusa Tenggara at 2.82%, and
sebesar 8,12%, Sulawesi sebesar 7,22%, Bali dan Nusa Maluku and Papua at 2.69%.
Tenggara 2,82%, serta Maluku dan Papua sebesar 2,69%.
Kontribusi (%) / Contribution (%) Pertumbuhan (%) / Growth (%)
Wilayah / Region
2024 2025 2024 2025
Jawa / Java 57,02 56,93 4,92 5,30
Sumatera / Sumatra 22,12 22,22 4,45 4,81
Kalimantan 8,24 8,12 5,52 4,79
Sulawesi 7,12 7,22 6,18 6,23
Bali & Nusa Tenggara 2,81 2,82 5,04 4,87
Maluku & Papua 2,69 2,69 7,81 1,44
*)Sumber : Data Badan Pusat Statistik (BPS) 2025 *)Source: Statistics Indonesia (BPS), 2025
Pertumbuhan ekonomi yang stabil juga diikuti dengan Stable economic growth was also accompanied by
tingkat inflasi nasional yang terkendali di sepanjang controlled national inflation throughout 2023. National
2023. Inflasi nasional pada 2024 tercatat sebesar 2,25% inflation in 2024 was recorded at 2.25% YoY, declining from
yoy, menurun dibandingkan realisasi tahun 2023, yakni the 2.61% YoY recorded in 2023. The sustained stability of
sebesar 2,61% yoy. Tingkat inflasi yang terjaga tidak inflation was largely attributable to strong coordination and
terlepas dari koordinasi dan sinergi yang kuat dari berbagai synergy among various parties through the National and
pihak melalui TPIP-TPID dalam mengendalikan gejolak Regional Inflation Control Teams (TPIP-TPID) in managing
harga di tengah ketidakpastian yang masih tinggi, salah price volatility amid persistently high uncertainty, including
satunya gangguan cuaca El Nino. Kestabilan inflasi juga weather disruptions caused by the El Niño phenomenon.
patut dibanggakan karena capaian tersebut lebih baik This inflation stability is also noteworthy given that the
dibandingkan dengan sejumlah negara yang tingkat achievement compares favorably to a number of countries
inflasinya masih berada di atas sasaran targetnya. where inflation rates remain above their respective targets.
LAJU INFLASI TAHUN 2023-2025 INFLATION RATE IN 2023-2025
Tingkat Inflasi / Inflation Rate 2023 2024 2025
Desember / December 0,41 1,57 2,92
Tahun Kalender (Januari-Desember) / Calendar Year (January – December) 2,61 2,26 2,72
*Sumber : Data Bank Indonesia, 2025 *Source: Bank Indonesia Data, 2025
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NILAI TUKAR MATA UANG EXCHANGE RATE
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Pada tahun 2025, nilai tukar rupiah terhadap dolar Amerika In 2025, the Rupiah exchange rate against the United States
Serikat (USD) mengalami fluktuasi namun tetap berada Dollar (USD) experienced fluctuations but remained within
pada kisaran Rp16.000–Rp16.765 per USD sepanjang the range of Rp16,000–Rp16,765 per USD throughout the
tahun. Pergerakan nilai tukar ini dipengaruhi oleh dinamika year. These exchange rate movements were influenced by
ekonomi global, kebijakan moneter negara maju, serta arus global economic dynamics, monetary policy decisions in
modal internasional. advanced economies, and international capital flows.
Berdasarkan publikasi Bank Indonesia, rupiah sempat Based on publications by Bank Indonesia, the Rupiah was
berada di kisaran Rp16.325 per dolar AS pada akhir Juli at approximately Rp16,325 per US dollar at the end of July
2025. Sementara itu, pada akhir Desember 2025 rupiah 2025. At the end of December 2025, the Rupiah was in
berada di kisaran Rp16.665–Rp16.765 per dolar AS, the range of Rp16,665–Rp16,765 per US dollar, reflecting
mencerminkan tekanan dari kondisi ekonomi global dan pressures from global economic conditions and movements
pergerakan pasar keuangan internasional. Pergerakan in international financial markets. These movements were
tersebut terutama dipengaruhi oleh kebijakan suku bunga primarily driven by persistently elevated global interest
global yang masih relatif tinggi, penguatan dolar AS, rates, the strengthening of the US dollar, and capital flow
serta dinamika arus modal di pasar keuangan negara dynamics in emerging market financial markets.
berkembang.
Meskipun demikian, stabilitas nilai tukar rupiah tetap terjaga Nevertheless, the stability of the Rupiah exchange rate
melalui berbagai kebijakan stabilisasi yang dilakukan oleh was maintained through various stabilization policies
Bank Indonesia, termasuk intervensi di pasar valuta asing, implemented by Bank Indonesia, including interventions in
penguatan operasi moneter, serta optimalisasi instrumen the foreign exchange market, the strengthening of monetary
kebijakan makroprudensial. Koordinasi yang erat antara operations, and the optimization of macroprudential policy
otoritas moneter dan pemerintah juga turut mendukung instruments. Close coordination between the monetary
stabilitas sistem keuangan nasional. authority and the government also contributed to the stability
of the national financial system.
Tinjauan Perekonomian Provinsi Banten
Economic Review of Banten Province
Mengacu pada laporan Badan Pusat Statistik (BPS), According to a report by Statistics Indonesia (BPS), the
Perekonomian Provinsi Banten tahun 2025 yang dihitung economy of Banten Province in 2025, measured by Gross
berdasarkan besaran Produk Domestik Regional Bruto Regional Domestic Product (GRDP) at current prices,
(PDRB) atas dasar harga berlaku mencapai Rp936,20 reached Rp936.20 trillion, with per capita GRDP reaching
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
triliun dan PDRB per kapita mencapai Rp74,67 juta atau Rp74.67 million or USD 4,532.45.
US$4.532,45.
Perekonomian Banten secara keseluruhan pada tahun 2025 The overall economy of Banten in 2025 grew by 5.37%,
tumbuh sebesar 5,37 persen, pertumbuhan ini lebih cepat faster than the 4.79% growth recorded in 2024. On the
dibandingkan tahun 2024 yang tumbuh 4,79 persen. Dari production side, the highest growth was achieved by the
sisi produksi, pertumbuhan tertinggi dicapai oleh lapangan Agriculture, Forestry, and Fisheries sector at 9.60%. On
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usaha Pertanian, Kehutanan, dan Perikanan sebesar 9,60 the expenditure side, the Total Net Exports component
persen. Sementara itu, dari sisi pengeluaran, komponen recorded the highest growth at 11.27%.
Total Net Ekspor mengalami pertumbuhan tertinggi sebesar
11,27 persen.
Lima lapangan usaha yang memiliki kontribusi besar The five business sectors that made the largest contributions
terhadap perekonomian Provinsi Banten, yang pada tahun to the economy of Banten Province and recorded growth in
2025 ini mengalami pertumbuhan di antaranya adalah 2025 were: Manufacturing at 5.37%; Wholesale and Retail
Industri Pengolahan sebesar 5,37 persen; Perdagangan Trade, and Repair of Motor Vehicles and Motorcycles
Besar dan Eceran; Reparasi Mobil dan Sepeda Motor at 4.61%; Construction at 5.89%; Transportation and
sebesar 4,61 persen; Konstruksi sebesar 5,89 persen; Warehousing at 4.20%; and Real Estate at 5.94%.
Transportasi dan Pergudangan sebesar 4,20; serta Real
Estat sebesar 5,94 persen.
Jika dibandingkan dengan triwulan IV 2024, ekonomi Compared to the fourth quarter of 2024, the economy of
Provinsi Banten triwulan IV 2025 mengalami pertumbuhan Banten Province in the fourth quarter of 2025 grew by 5.64%
sebesar 5,64 persen (y-on-y). Dari sisi produksi, lapangan (year-on-year). On the production side, the Government
usaha Administrasi Pemerintahan, Pertahanan, dan Administration, Defense, and Compulsory Social Security
Jaminan Sosial Wajib mencatat pertumbuhan tertinggi yaitu sector recorded the highest growth at 16.42%. On the
sebesar 16,42 persen. Dari sisi pengeluaran, pertumbuhan expenditure side, the Government Consumption Expenditure
tertinggi dimiliki oleh komponen Pengeluaran Konsumsi component recorded the highest growth at 9.09%.
Pemerintah sebesar 9,09 persen.
Pertumbuhan Ekonomi Triwulan IV-2025 terhadap Economic Growth Q4-2025 compared to Q4-2024
Triwulan IV-2024
2024 2025
Komponen / Component
(%) (%)
Pengeluaran Konsumsi Rumah Tangga / Household Consumption Expenditure 4,68 5,45
Pengeluaran Konsumsi LNPRT / Non-Profit Institutions Serving Households (LNPRT) 5,55 4,52
Consumption Expenditure
Pengeluaran Konsumsi Pemerintah / Government Consumption Expenditure 4,55 9,09
Pembentukan Modal Tetap Bruto / Gross Fixed Capital Formation 1,61 5,35
Total Net Ekspor / Total Net Exports 21,61 5,81
Sumber: Data Badan Pusat Statistik (BPS), 2025 Source: Statistics Indonesia (BPS) Data, 2025
Ekonomi Banten pada triwulan IV-2025 terhadap triwulan The economy of Banten in Q4-2025 compared to Q4-2024
IV-2024 tumbuh 5,64 persen (y-on-y). Pertumbuhan grew by 5.64% (year-on-year). The highest growth was
tertinggi terjadi pada komponen Pengeluaran Konsumsi recorded in the Government Consumption Expenditure
Pemerintah (PK-P) sebesar 9,09 persen. Kemudian diikuti (PK-P) component at 9.09%, followed by the Total Net
oleh komponen Total Net Ekspor tumbuh sebesar 5,81 Exports component at 5.81%, the Household Consumption
persen, komponen Pengeluaran Konsumsi Rumah Tangga Expenditure (PKRT) component at 5.45%, the Gross Fixed
(PKRT) sebesar 5,45 persen, komponen Pembentukan Capital Formation (PMTB) component at 5.35%, and
Modal Tetap Bruto (PMTB) sebesar 5,35 persen dan the Non-Profit Institutions Serving Households (LNPRT)
komponen Pengeluaran Konsumsi Lembaga Non Profit Consumption Expenditure component at 4.52%.
(LNPRT) sebesar 4,52 persen.
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Tinjauan Industri Perbankan
Banking Industry Overview
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Di tengah dinamika perekonomian global maupun nasional, Amid the dynamics of both the global and national economy,
sektor jasa keuangan Indonesia mampu mempertahankan Indonesia's financial services sector maintained its position
posisinya dan tumbuh meraih kinerja positif. Kondisi and achieved positive performance. The fundamental
fundamental perekonomian dan kinerja sektor jasa conditions of the Indonesian economy and the performance
keuangan Indonesia tergolong solid dengan tingkat of its financial services sector were broadly solid, with
kontribusi pembiayaan pembangunan mencapai Rp9,840 development financing contributions reaching Rp9,840
triliun. Capaian ini terutama di dorong oleh kredit perbankan trillion. This achievement was primarily driven by banking
yang tumbuh 9,63%. Likuiditas perbankan di tahun 2025 credit growth of 9.63%. Banking liquidity in 2025 reached
mencapai 28,5%, meningkat dibandingkan capaian tahun 28.5%, an improvement from the 25.6% recorded in 2024.
2024 sebesar 25,6%. Selanjutnya, Capital Adequacy Buffer Furthermore, the Capital Adequacy Ratio (CAR) reached
(CAR) mencapai 25,89%. Hal ini menunjukkan kapasitas 25.89%, reflecting the banking sector's continued strong
perbankan dalam menyerap potensi risiko masih sangat baik. capacity to absorb potential risks. With robust capitalization,
Dengan permodalan yang kuat, perbankan memiliki ruang the banking sector has sufficient room to support credit
yang cukup untuk mendukung ekspansi kredit sekaligus expansion while maintaining financial system stability. This
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
menjaga stabilitas sistem keuangan. Pertumbuhan ini growth reflects increased economic activity and the banking
mencerminkan meningkatnya aktivitas ekonomi serta peran sector's role in supporting financing for the real sector.
perbankan dalam mendukung pembiayaan sektor riil.
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Dari sisi penghimpunan dana masyarakat, dana pihak ketiga On the funding side, third-party funds (DPK) also recorded
(DPK) juga mengalami pertumbuhan yang stabil. Data stable growth. OJK data indicates that DPK growth reached
OJK menunjukkan bahwa pertumbuhan DPK mencapai approximately 8.51% (YoY) through mid-2025, reflecting
sekitar 8,51% (yoy) hingga pertengahan tahun 2025, yang sustained public confidence in the banking sector. This
menunjukkan tingkat kepercayaan masyarakat terhadap was further supported by adequate banking liquidity levels,
sektor perbankan tetap tinggi. Kondisi ini turut didukung as evidenced by the liquid assets to third-party funds ratio
oleh tingkat likuiditas perbankan yang tetap memadai, remaining well above the regulatory threshold.
tercermin dari rasio alat likuid terhadap dana pihak ketiga
yang berada jauh di atas ambang batas ketentuan regulator.
Dari sisi prospek bisnis, industri perbankan tetap From a business prospects perspective, the banking industry
menunjukkan optimisme. Survei Orientasi Bisnis Perbankan continued to demonstrate optimism. The Banking Business
yang dilakukan oleh OJK menunjukkan Indeks Orientasi Orientation Survey conducted by OJK recorded a Banking
Bisnis Perbankan (IBP) sebesar 60, yang berada pada Business Orientation Index (IBP) of 60, placing it in the
zona optimis. Optimisme tersebut didorong oleh ekspektasi optimistic zone. This optimism was driven by expectations
stabilitas kondisi makroekonomi domestik serta potensi of stable domestic macroeconomic conditions and the
peningkatan aktivitas intermediasi perbankan potential for increased banking intermediation activity.
Sektor jasa keuangan tahun 2026 mendatang di proyeksikan The financial services sector in 2026 is projected to
akan mengalami pertumbuhan Kredit perbankan sebesar experience banking credit growth of 10%–12%, supported
10%-12%, didukung pertumbuhan Dana Pihak Ketiga by third-party fund growth of 7%–9%. The banking industry
sebesar 7%-9%. Industri perbankan diharapkan terus is expected to continue strengthening its resilience and
memperkuat ketahanan dan meningkatkan peran enhancing its strategic role in supporting national economic
strategisnya dalam mendukung pertumbuhan ekonomi growth through productive credit disbursement, the
nasional melalui penyaluran kredit yang produktif, penguatan strengthening of digital transformation, and the continued
transformasi digital, serta penerapan manajemen risiko dan improvement of risk management and governance
tata kelola yang semakin baik. practices.
ASPEK PEMASARAN DAN PANGSA PASAR MARKETING AND MARKET SHARE
ASPECTS
STRATEGI PENGHIMPUNAN DANA PIHAK KETIGA THIRD-PARTY FUND (DPK) MOBILIZATION
(DPK) STRATEGY
1. Kerja sama Pengelolaan Kas Daerah dengan Pemkab/ 1. Regional Cash Management Cooperation with Regency/
Pemkot Provinsi Banten Bank Banten menempatkan Municipal Governments of Banten Province places
sinergi dengan Pemerintah Daerah sebagai prioritas synergy with Regional Governments as the primary
utama dalam penghimpunan dana. Strategi ini dilakukan priority in fund mobilization. This strategy is implemented
melalui: through:
a. Peningkatan Fasilitas Khusus untuk Kas Daerah a. Enhancement of Special Facilities for Regional Cash
Management
Bank akan menawarkan layanan khusus, seperti The Bank will offer specialized services, such as
prioritas dalam pencairan dana, suku bunga yang priority in fund disbursement, competitive interest
kompetitif serta dukungan teknis yang responsif rates, and responsive technical support for Regional
untuk Pemerintah Daerah yang menyimpan dana Governments depositing funds with the Bank.
di Bank. Hal ini menciptakan daya tarik tambahan This creates additional appeal for Regencies/
bagi Kabupaten/Kota untuk memilih Bank Banten Municipalities to select Bank Banten as their primary
sebagai mitra utama pengelolaan kas daerah; regional cash management partner.
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b. Penempatan Tim Ahli di Lokasi Pemerintah Daerah b. Placement of Expert Teams in Regional Cash
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Untuk memastikan layanan kas daerah berjalan Management Cooperation with all Regency/Municipal
lancar, Bank dapat menempatkan tenaga ahli Governments in Banten Province, provision of a
di lokasi pemerintahan yang telah bekerjasama modern and integrated Cash Management System
khususnya yang bertugas menangani kendala (CMS) tailored to regional financial management
teknis dan memberikan dukungan terkait kebutuhan needs, management of civil servant (ASN) payroll
transaksi keuangan. services, regional tax and levy collection, and
regional expenditure payments through the Bank
Banten system.
c. Menjalin dan memperluas kerja sama pengelolaan c. Building long-term relationships with Regional
kas daerah dengan seluruh Pemerintah Kabupaten/ Governments through Memoranda of Understanding
Kota di Provinsi Banten, Penyediaan Cash (MoU), reinforced by Regional Government Location
Management System (CMS) yang modern, Agreements To ensure the smooth operation of
terintegrasi, dan sesuai kebutuhan pengelolaan regional cash services, the Bank may deploy
keuangan daerah. Pengelolaan layanan payroll specialist personnel at cooperating government
ASN, penerimaan pajak dan retribusi daerah, serta locations, particularly those tasked with handling
pembayaran belanja daerah melalui sistem Bank technical issues and providing support for financial
Banten. transaction needs.
d. Membangun hubungan jangka panjang dengan d. Establishing and expanding operational cooperation.
Pemda melalui Nota Kesepahaman (MoU) yang
diperkuat dengan perjanjian kerja sama operasional.
2. Meningkatkan Volume CASA dari Dana APBD dan 2. Increasing CASA Volume from Regional Budget (APBD)
Rekanan Pemerintah Funds and Government Partners
Upaya peningkatan CASA difokuskan pada optimalisasi CASA enhancement efforts are focused on optimizing
dana yang bersumber dari pemerintah dan rekanan, funds sourced from the government and its partners,
dengan langkah-langkah sebagai berikut: through the following measures:
a. Meningkatkan penghimpunan dana murah dari a. Increasing the mobilization of low-cost funds from
APBD, BLUD, BUMD, serta unit kerja pemerintah APBD, BLUD, BUMD, and regional government
daerah; work units;
b. Mendorong rekanan pemerintah (kontraktor, b. Encouraging government partners (contractors,
vendor, penyedia barang/jasa) untuk membuka dan vendors, goods/service providers) to open and use
menggunakan rekening giro/tabungan Bank Banten Bank Banten current accounts/savings accounts as
sebagai rekening utama transaksi; their primary transaction accounts;
c. Program Kemitraan untuk Perusahaan Rekanan c. Partnership Program for Government Partner
Pemerintah Companies
Menyediakan paket layanan dan insentif yang menarik Providing attractive service packages and incentives
bagi mitra rekanan dengan mempertimbangkan for partner companies based on fund and transaction
volume dana dan transaksi. Program ini akan volumes. This program is designed to attract
menarik perusahaan untuk menggunakan Bank companies to use Bank Banten as their primary
Banten sebagai Bank operasional mereka. operating bank.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
d. Integrasi Sistem Pembayaran Non Tunai untuk d. Integrated Non-Cash Payment System for Regional
Pemerintah Daerah Governments
Mengembangkan sistem pembayaran non tunai Developing an integrated non-cash payment system
terintegrasi bagi Pemerintah Daerah dan rekanan. for Regional Governments and their partners.
Dengan integrasi ini, setiap pembayaran pemerintah Through this integration, all government payments
otomatis dilakukan melalui rekening giro di Bank would automatically be processed through current
Banten yang dapat meningkatkan aliran CASA accounts at Bank Banten, thereby sustainably
secara berkelanjutan. increasing CASA flows.
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3. Sinergi dengan Pemerintah Daerah untuk Transaksi 3. Synergy with Regional Governments for Non-Cash
Non Tunai Transactions
a. Penyediaan kanal pembayaran digital seperti QRIS, a. Provision of digital payment channels such as QRIS,
e-channel, dan virtual account untuk pajak, retribusi, e-channels, and virtual accounts for taxes, levies,
dan layanan publik; and public services;
b. Integrasi sistem Host to Host dengan perangkat b. Host-to-host system integration with regional
daerah untuk memastikan transparansi dan agencies to ensure transaction transparency and
akuntabilitas transaksi; accountability;
c. Edukasi dan Promosi Transaksi Non Tunai di c. Non-Cash Transaction Education and Promotion in
Masyarakat the Community
Bersama dengan Pemerintah Daerah, Bank dapat In collaboration with Regional Governments, the
mengadakan program edukasi tentang manfaat Bank may organize education programs on the
transaksi non tunai kepada masyarakat seperti benefits of non-cash transactions for the public, such
kemudahan dalam bertransaksi dan keamanan. as ease and security of transactions. This education
Edukasi ini dapat dilakukan melalui kegiatan can be delivered through community activities, social
masyarakat, media sosial atau media lokal untuk media, or local media to broaden the use of Bank
memperluas penggunaan rekening Bank Banten di Banten accounts throughout the Banten region;
wilayah Banten;
d. Pengembangan Aplikasi Pembayaran Non Tunai d. Development of an Integrated Non-Cash Payment
Terpadu Application
Mengembangkan aplikasi pembayaran non tunai Developing a dedicated non-cash payment
khusus untuk masyarakat Banten yang dapat application for the people of Banten, usable for tax
digunakan untuk pembayaran pajak, retribusi dan payments, levies, and daily transactions, thereby
transaksi harian sehingga meningkatkan frekuensi increasing the frequency of Bank Banten account
penggunaan rekening Bank Banten oleh masyarakat. usage among the public.
4. Produk Dana Pihak Ketiga yang Kompetitif untuk 4. Competitive Third-Party Fund Products for the Retail
Segmen Retail Segment
Dalam rangka diversifikasi sumber DPK, Bank Banten In order to diversify DPK sources, Bank Banten
memperkuat penetrasi pada segmen retail melalui strengthens its penetration of the retail segment through
Penyediaan produk tabungan yang variatif dan the provision of varied and competitive savings products,
kompetitif, seperti Tabungan Berjangka, Tabungan such as Time Deposits, Education Savings, Hajj/Umrah
Pendidikan, Tabungan Haji/Umrah, serta tabungan Savings, and savings products with loyalty programs
dengan program loyalitas berbasis undian hadiah. based on prize draws.
5. Pengembangan Program Tabungan Khusus 5. Development of Special Savings Programs
Bank Banten merancang produk tabungan tematik untuk Bank Banten designs thematic savings products to meet
memenuhi kebutuhan spesifik segmen masyarakat the specific needs of the Banten community, including:
Banten, di antaranya:
a. Tabungan SimPel Program Pemerintah dan Edukasi a. SimPel Savings as Government Program and
Finansial untuk Pelajar Financial Literacy
Menggandeng sekolah dan perguruan tinggi untuk Education for Students Partnering with schools
program Tabungan SimPel disertai edukasi literasi and universities for the SimPel Savings program,
keuangan bagi pelajar dan mahasiswa, program ini accompanied by financial literacy education for
bisa menjadi sarana untuk meningkatkan jumlah students. This program can serve as a means to
nasabah muda sekaligus memperkenalkan mereka increase the number of young customers while
pada produk - produk perbankan; introducing them to banking products.
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b. Tabungan Multiguna dengan Fleksibilitas Penarikan b. Multi-Purpose Savings with Flexible Withdrawals
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
dan Setoran and Deposits
Mengembangkan tabungan multiguna yang Developing flexible multi-purpose savings that
fleksibel yang memungkinkan nasabah melakukan allow customers to make periodic withdrawals and
penarikan dan setoran berkala tanpa penalti, untuk deposits without penalty, for purposes such as tax
tujuan seperti pajak atau umroh. Program ini akan payments or Umrah pilgrimages. This program will
memudahkan nasabah dalam mencapai tujuan facilitate customers in achieving their financial goals
finansial mereka sambil meningkatkan loyalitas while enhancing loyalty to Bank Banten.
terhadap Bank Banten.
c. Tabungan Komunitas untuk kelompok usaha, c. Community Savings for business groups,
koperasi, komunitas sosial dan keagamaan, yang cooperatives, and social and religious communities,
dapat dikembangkan dengan konsep tabungan which can be developed with a concept of collective
gotong royong. savings (gotong royong).
6. Produk Terintegrasi untuk Lembaga Pendidikan, 6. Integrated Products for Educational Institutions,
Kesehatan & Layanan Umum Healthcare Facilities, and Public Services
Sebagai upaya memperluas pasar, Bank Banten As part of efforts to expand its market, Bank Banten will
akan terintegrasi dengan ekosistem pendidikan dan integrate with the education and healthcare ecosystem
kesehatan melalui: through:
a. Kerja sama strategis dengan sekolah, universitas, a. Strategic cooperation with schools, universities, and
dan rumah sakit di wilayah Banten; hospitals in the Banten region;
b. Penyediaan solusi pembayaran pendidikan (SPP, b. Provision of digital-based education payment
ujian, donasi) serta layanan kesehatan (biaya solutions (tuition fees, examinations, donations) and
perawatan, obat, administrasi) berbasis digital; healthcare services (treatment costs, medicines,
administration);
c. Penyediaan layanan payroll dan program tabungan/ c. Provision of payroll services and special savings/
kredit khusus bagi tenaga pendidik, mahasiswa, credit programs for educators, students, medical
tenaga medis, serta staf rumah sakit; personnel, and hospital staff;
d. Kemitraan dengan Institusi Pendidikan “Layanan d. Partnership with Educational Institutions
Tabungan Otomatis” "Automatic Savings Service" Developing an
Mengembangkan program tabungan otomatis untuk automatic savings program for education payments,
pembayaran pendidikan yaitu dimana wali murid whereby parents/guardians can save at Bank Banten
dapat menabung di Bank Banten dan pembayaran and payments will be automatically transferred to
akan ditransfer otomatis ke lembaga pendidikan educational institutions on a monthly or semester
setiap bulan atau semester. basis.
7. Program Khusus untuk Prime Customer dan Akuisisi 7. Special Programs for Prime Customers and New
Nasabah Baru Customer Acquisition
a. Tabungan Premium dengan Fitur Prioritas a. Premium Savings with Priority Features
Menawarkan produk tabungan premium dengan Offering premium savings products with competitive
suku bunga yang kompetitif dan fitur prioritas bagi interest rates and priority features for high-balance
nasabah prioritas (prime customer) dengan saldo priority customers (prime customers), complete with
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
tinggi, dilengkapi layanan konsultan keuangan, financial consultant services, waived administrative
bebas biaya administrasi, serta akses eksklusif ke fees, and exclusive access to special products and
produk dan promosi khusus. Program ini dirancang promotions. This program is designed to enhance
untuk meningkatkan loyalitas dan value nasabah the loyalty and value of priority customers.
prioritas.
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b. Kartu Khusus dan Layanan Concierge untuk Prime b. Special Cards and Concierge Services for Prime
Customer Customers
Memberikan kartu khusus dan layanan concierge Providing special cards and concierge services for
bagi prime customer yang menawarkan manfaat prime customers offering benefits such as discounts
seperti diskon di mitra merchant, akses prioritas di at merchant partners, priority access at the Bank,
Bank serta layanan konsultasi keuangan khusus. and dedicated financial consultation services. This
Program ini dapat meningkatkan loyalitas nasabah program can enhance customer loyalty through
dengan layanan eksklusif yang tidak ditemukan di exclusive services not found at other banks.
Bank lain;
c. Program Referral dan Ajak Teman dengan Insentif c. Referral and "Bring a Friend" Program with Attractive
Menarik Incentives
Menyelenggarakan program referral bagi nasabah Organizing a referral program for existing customers
existing yang mereferensikan teman atau keluarga who refer friends or family members to open
untuk membuka rekening di Bank Banten. Program accounts at Bank Banten. This program can provide
ini bisa memberikan insentif berupa poin, cashback incentives in the form of points, cashback, or direct
atau hadiah langsung untuk meningkatkan jumlah gifts to increase the number of new customers.
nasabah baru.
8. Promosi dan Sponsorship yang Berkelanjutan 8. Sustained Promotion and Sponsorship
Dalam rangka meningkatkan visibilitas dan daya In order to enhance the visibility and appeal of its fund
tarik produk penghimpunan dana, Bank Banten mobilization products, Bank Banten implements a
melaksanakan strategi promosi berkesinambungan sustained promotional strategy through:
melalui:
a. Promosi Media Sosial dengan Influencer Lokal a. Social Media Promotion with Local Influencers
Bekerjasama dengan influencer lokal Banten untuk Collaborating with local Banten influencers to
mempromosikan produk dan layanan Bank Banten, promote Bank Banten's products and services,
terutama di kalangan millenial dan Gen Z. Influencer particularly among millennials and Generation Z.
dapat membantu memperkenalkan Bank Banten Influencers can help introduce Bank Banten to a
kepada masyarakat luas dengan cara yang lebih wider audience in a more creative and personalized
kreatif dan personal; manner.
b. Sponsorship untuk Event Komunitas dan Kegiatan b. Sponsorship for Community Events and Local
Lokal Activities
Berpartisipasi sebagai sponsor dalam acara Participating as a sponsor in community events
komunitas atau kegiatan lokal yang menarik banyak or local activities that attract large numbers of
peserta seperti bazar UMKM, festival budaya atau participants, such as MSME bazaars, cultural
seminar edukasi yang memperkuat eksposur Bank festivals, or educational seminars, which strengthen
Banten sekaligus menarik perhatian calon nasabah Bank Banten's exposure while attracting the attention
baru. of prospective new customers.
9. Rekrutmen SDM Berdasarkan Kompetensi untuk 9. Competency-Based Human Capital Recruitment for
Pemasaran Dana Pihak Ketiga Pelatihan Memberikan Third-Party Fund Marketing
pelatihan dan sertifikasi untuk tenaga pemasaran di Providing training and certification for marketing
bidang Keuangan dengan fokus pada peningkatan personnel in the field of finance, with a focus on
kemampuan dalam menarik Dana Pihak Ketiga. enhancing their ability to attract Third-Party Funds. This
Program ini akan memperkuat kompetensi mereka program will strengthen their competencies to achieve
untuk mencapai target yang telah ditetapkan. established targets.
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10. Pelatihan dan Pengembangan SDM untuk Peningkatan 10. Human Capital Training and Development for Enhanced
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Hubungan dengan Nasabah Customer Relationships
a. Pelatihan Soft Skills untuk Meningkatkan a. Soft Skills Training to Enhance Communication
Kemampuan Berkomunikasi Capabilities
Mengadakan pelatihan khusus dalam komunikasi Conducting specialized training in effective
efektif dan negosiasi untuk tenaga pemasaran communication and negotiation for marketing
agar mereka dapat membangun hubungan jangka personnel to enable them to build long-term
panjang dengan nasabah. Pelatihan ini juga relationships with customers. This training also
mencakup pemahaman produk yang mendalam encompasses in-depth product knowledge so that
agar mereka mampu memberikan solusi finansial they are able to provide financial solutions tailored to
yang sesuai dengan kebutuhan nasabah; customer needs.
b. Program Pengembangan Berkelanjutan dengan b. Continuous Development Program with Mentors
Mentor
Setiap tenaga pemasaran dapat didampingi Each marketing personnel member may be
oleh mentor senior untuk memastikan mereka accompanied by a senior mentor to ensure their
terus berkembang dalam pengetahuan produk dan continued development in product knowledge and
keterampilan dalam hal penjualan. Mentor akan sales skills. Mentors will monitor progress and
memantau perkembangan dan memberikan arahan provide guidance for new employees.
untuk karyawan baru.
11. Sistem Reward dan Punishment Berdasarkan Kinerja 11. Performance-Based Reward and Punishment System
a. Program Bonus Berbasis Target dan Kontribusi a. Target-Based and Customer Contribution Bonus
Nasabah Program
Memberikan bonus berdasarkan target yang dicapai Providing bonuses based on monthly targets
setiap bulannya, dengan mempertimbangkan achieved, taking into account the contribution of
kontribusi dari setiap nasabah yang berhasil each customer successfully acquired. This program
dihimpun. Program ini memberikan insentif langsung provides direct incentives that drive marketing
yang mendorong produktivitas tenaga pemasaran; personnel productivity.
b. Evaluasi Rutin dengan Reward untuk Kinerja b. Regular Performance Evaluation with Rewards for
Terbaik Top Performers
Melakukan evaluasi kinerja secara berkala dengan Conducting periodic performance evaluations with
pemberian reward untuk karyawan dengan capaian rewards for employees with the best achievements.
terbaik. Reward ini bisa berupa pengakuan publik, These rewards may take the form of public
insentif tambahan atau kesempatan promosi untuk recognition, additional incentives, or promotion
meningkatkan motivasi karyawan lainnya. opportunities to enhance the motivation of other
employees.
Strategi Pengembangan Bisnis Kredit Credit Business Development Strategy
1. Strategi Kredit Konsumer 1. Consumer Credit Strategy
Penyaluran kredit konsumer dilakukan dengan beberapa Consumer credit disbursement is carried out through the
strategi antara lain : following strategies:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
a. Penyaluran kredit konsumer untuk ASN (PNS dan a. Disbursement of consumer credit to civil servants
PPPK) yang berada di wilayah Provinsi Banten (PNS and PPPK) within the Banten Province
dimana gaji beserta tunjangannya telah dibayarkan region whose salaries and allowances are paid
melalui Bank Banten baik dengan skema penyaluran through Bank Banten, whether through direct credit
kredit langsung ke end user ataupun melalui Asset disbursement to end users or through an Asset Buy
Buy; scheme;
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b. Perluasan target pasar dalam penyaluran Kredit b. Expansion of the target market for Consumer Credit
Konsumer bagi pegawai berpenghasilan tetap pada disbursement to fixed-income employees in both
instansi pemerintah maupun swasta baik yang government and private institutions, whether or not
telah memiliki kerja sama ataupun belum dengan existing cooperation agreements are in place, while
memperhatikan tingkat risiko yang dapat diterima; taking into account acceptable risk levels;
c. Menambah kerja sama kemitraan kredit pensiun c. Adding retirement credit partnership (fronting)
(fronting) untuk mengakselerasi pertumbuhan arrangements to accelerate the growth of the
portofolio Kredit Pensiun; Retirement Credit portfolio;
d. Melakukan diversifikasi produk Konsumer, termasuk d. Diversifying Consumer products, including Home
Produk Kredit Pemilikan Rumah (KPR), Kredit Ownership Credit (KPR), Subsidized Housing
Perumahan Bersubsidi (FLPP) dan perbaikan proses Credit (FLPP), and improving business processes
bisnis sesuai target pasar, dengan memperhatikan in accordance with target markets, while taking into
kesiapan sarana dan prasarana serta biaya investasi account the readiness of facilities and infrastructure
yang diperlukan; and the required investment costs;
e. Melakukan evaluasi dan perbaikan fitur produk e. Conducting evaluations and improvements to
serta proses bisnis untuk mempertahankan dan product features and business processes to maintain
meningkatkan akuisisi debitur; and increase debtor acquisition;
f. Meningkatkan pola penyaluran kerja sama kredit f. Enhancing credit cooperation disbursement patterns
dengan Bank dan atau lembaga keuangan non Bank with banks and/or non-bank financial institutions
dengan pola channelling, executing, joint financing, through channeling, executing, joint financing, asset
asset buy maupun aset sale; buy, and asset sale schemes;
g. Meningkatkan marketing campaign baik yang g. Increasing marketing campaigns at both the national
berskala nasional maupun daerah. and regional levels.
2. Strategi Kredit Komersial 2. Commercial Credit Strategy
Rencana dan strategi pengembangan bisnis Kredit The Commercial Credit business development plans and
Komersial dilakukan secara selektif sesuai dengan strategies are implemented selectively in accordance
tahapan prioritas penyaluran kredit segmen komersial with the commercial segment credit disbursement
yang telah dicanangkan oleh Bank antara lain : priority stages established by the Bank, including:
a. Meningkatkan komunikasi dan koordinasi dengan a. Enhancing communication and coordination
Dinas atau Instansi yang bertindak selaku Pengguna with agencies or institutions acting as Budget
Anggaran (PA) baik APBD maupun APBN termasuk Users (PA) for both regional (APBD) and national
dengan asosiasi maupun organisasi pengusaha (APBN) budgets, including with associations and
pengadaan barang dan jasa; organizations of goods and services procurement
entrepreneurs;
b. Mempersiapkan kebijakan dan prosedur serta b. Preparing the policies, procedures, and infrastructure
infrastruktur yang dibutuhkan dalam rangka required for the disbursement of Corporate and
penyaluran Kredit Korporasi dan Sindikasi; Syndicated Credit;
c. Melakukan evaluasi dan pengembangan c. Conducting periodic evaluations and development
produk Kredit Komersial secara berkala dengan of Commercial Credit products, taking into account
memperhatikan perkembangan para pelaku usaha; developments among business actors;
d. Memprioritaskan penyaluran Kredit Komersial pada d. Prioritizing Commercial Credit disbursement to
perusahaan kontraktor yang mengandalkan sumber contractor companies whose project payment
pembayaran proyek dari dana APBD Provinsi sources rely on Banten Province APBD funds, state-
Banten, BUMN dalam bidang strategis, Perusahaan owned enterprises (BUMN) in strategic sectors,
go public yang memiliki rating baik, recall debitur publicly listed companies with good ratings, recall
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yang pernah memiliki fasilitas kredit di Bank dengan of debtors who previously held credit facilities at the
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
track record baik dan lancar serta pada sektor Bank with a good and current track record, and in
ekonomi atau sektor usaha yang menjadi prioritas economic or business sectors that are government
pemerintah dan memiliki prospek usaha yang baik priorities, have good business prospects, and
serta tingkat risiko yang dapat diterima oleh Bank present acceptable risk levels for the Bank, in order
untuk menggerakkan kembali roda perekonomian; to reinvigorate economic activity;
e. Meningkatkan kompetensi SDM di bidang Kredit e. Enhancing human capital competencies in the
Komersial melalui pelatihan secara berkala dengan Commercial Credit field through periodic training with
narasumber atau praktisi dari Bank lain yang resource persons or practitioners from other banks
telah berpengalaman dalam penyaluran Kredit experienced in Commercial Credit disbursement,
Komersial serta melakukan rekrutmen SDM yang as well as recruiting experienced personnel to
berpengalaman guna mengakselerasi penyaluran accelerate commercial credit disbursement in
kredit komersial sesuai dengan kebutuhan. accordance with needs.
3. Strategi Kredit UMKM dan Kredit BPR Business & 3. MSME Credit Strategy and Rural Bank (BPR) Business
Linkage & Linkage Credit
Penyaluran kredit kepada para pelaku UMKM dilakukan Credit disbursement to MSME players is carried out
dengan beberapa strategi antara lain : through the following strategies:
a. Mempersiapkan penyaluran kredit program berbasis a. Preparing the disbursement of government subsidy-
subsidi pemerintah seperti Kredit Usaha Rakyat based program credit such as the People's Business
(KUR); Credit (KUR);
b. Meningkatkan penyaluran kredit dengan pola b. Increasing credit disbursement through linkage
linkage pada lembaga keuangan seperti BPR, Modal patterns with financial institutions such as Rural
Ventura dan Lembaga Keuangan lainnya yang Banks (BPR), Venture Capital firms, and other
memiliki kinerja baik dan fokus bisnis pembiayaan financial institutions with good performance
pelaku usaha mikro, kecil dan menengah (UMKM) and a business focus on financing micro, small,
serta konsumer; and medium enterprise (MSME) and consumer
segments;
c. Melakukan penyempurnaan produk termasuk fitur c. Refining products, including credit features, to meet
kredit untuk memenuhi kebutuhan permodalan dan the capital and transaction needs of business actors
transaksi pelaku usaha pada sektor-sektor tertentu in certain sectors that are government priorities;
yang menjadi prioritas pemerintah;
d. Memprioritaskan penyaluran kredit UMKM di wilayah d. Prioritizing MSME credit disbursement in the Banten
Provinsi Banten dan melakukan Upaya pemasaran Province region and conducting intensive marketing
intensif kepada UMKM di luar Provinsi Banten; efforts to MSMEs outside Banten Province;
e. Meningkatkan kolaborasi dengan pihak lain, e. Enhancing collaboration with other parties, including
termasuk instansi pemerintah dalam rangka government agencies, in the context of MSME
pengembangan dan pemberdayaan UMKM; development and empowerment;
f. Pengembangan kompetensi SDM pada bidang f. Developing human capital competencies in the
Kredit UMKM dan melakukan rekrutmen SDM baru MSME Credit field and recruiting new personnel to
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
guna mengakselerasi penyaluran kredit. accelerate credit disbursement.
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Strategi Treasury Treasury Strategy
1. Manajemen Likuiditas 1. Liquidity Management
Menjaga likuiditas dengan memenuhi rasio yang Maintaining liquidity by fulfilling the ratios established by
ditetapkan oleh regulator dan menyiapkan mekanisme regulators and preparing reserve fund mechanisms for
cadangan dana untuk kondisi darurat. emergency conditions.
2. Optimalisasi Yield Ekses Likuiditas 2. Optimization of Excess Liquidity Yield
Melakukan penempatan jangka pendek pada instrumen Conducting short-term placements in liquid instruments
pada Alat Likuid seperti Reverse Repo Bank Indonesia, such as Bank Indonesia Reverse Repos, Bank
Sekuritas Rupiah Bank Indonesia (SRBI), Term Deposit Indonesia Rupiah Securities (SRBI), Bank Indonesia
Bank Indonesia dan Deposit Facility Bank Indonesia Term Deposits, and Bank Indonesia Deposit Facilities to
guna meningkatkan keuntungan dari ekses likuiditas. enhance returns from excess liquidity.
3. Pengembangan Dealing Room dan Sertifikasi Treasury 3. Dealing Room Development and Treasury Certification
Melakukan restrukturisasi Dealing Room agar lebih Restructuring the Dealing Room to improve effectiveness
efektif dan memenuhi persyaratan sertifikasi treasury and meet treasury certification requirements in
sesuai regulasi serta menambah aktivitas transaksi accordance with regulations, as well as expanding
treasury yang produktif. productive treasury transaction activities.
4. Hubungan Bisnis Reciprocal dengan Counterparty 4. Reciprocal Business Relationships with Counterparties
Membangun hubungan jangka panjang dengan Bank Building long-term relationships with banks and non-
dan Non bank untuk menciptakan sinergi bisnis yang bank institutions to create mutually beneficial business
saling menguntungkan, termasuk :Transaksi Interbank synergies, including:
Money Market (call money lending & borrowing),
• Transaksi Fixed Income, • Interbank Money Market transactions (call money
lending & borrowing)
• Transaksi Reksadana (Mutual Fund), • Fixed Income transactions
• Borrowing dan Placement • Mutual Fund (Reksa Dana) transactions
• Non-RKUD sebagai unit bisnis untuk menghasilkan • Non-RKUD Borrowing and Placement as a business
profit tambahan melalui penempatan dana antar unit to generate additional profit through interbank
bank, pinjaman antar bank, dan instrumen pasar fund placements, interbank loans, and money
uang yang sesuai dengan risk appetite Bank. market instruments in accordance with the Bank's
risk appetite.
5. Transaksi Repo dengan BPD dan Kemenkeu 5. Repo Transactions with Regional Development Banks
(BPD) and the Ministry of Finance
Meningkatkan kerja sama transaksi Repo dengan Enhancing Repo transaction cooperation with BPDs
BPD melalui perjanjian Global Master Repurchase through Global Master Repurchase Agreement (GMRA)
Agreement (GMRA) untuk memperluas pasar dan arrangements to expand the market and optimize
optimalisasi likuiditas. liquidity.
PANGSA PASAR MARKET SHARE
Sepanjang tahun 2025, Bank Banten telah menyalurkan Throughout 2025, Bank Banten disbursed credit totaling
kredit sebesar Rp5,07 triliun dengan mayoritas terdiri dari Rp5.07 trillion, with the majority comprising consumer credit
kredit konsumer sebesar 91,84%, kredit UMKM 4,65%, dan at 91.84%, MSME credit at 4.65%, and commercial credit
kredit komersial 3,51%. at 3.51%.
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PROSPEK USAHA BUSINESS PROSPECTS
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Perekonomian global tahun 2025 masih dihadapkan pada The global economy in 2025 continued to face various
berbagai ketidakpastian yang dipengaruhi oleh dinamika uncertainties, influenced by economic dynamics in advanced
ekonomi di negara maju, kebijakan suku bunga global economies, persistently elevated global interest rates, and
yang masih relatif tinggi, serta ketegangan geopolitik yang ongoing geopolitical tensions in several regions of the world.
masih berlangsung di beberapa wilayah dunia. Kondisi These conditions also affected the stability of global financial
tersebut turut mempengaruhi stabilitas pasar keuangan markets and the exchange rates of various currencies
global dan nilai tukar berbagai mata uang terhadap against the US dollar. Nevertheless, the Indonesian
dolar Amerika Serikat. Namun demikian, perekonomian economy is expected to continue demonstrating sound
Indonesia diperkirakan tetap menunjukkan ketahanan yang resilience, supported by strong domestic consumption,
cukup baik dengan didukung oleh konsumsi domestik yang financial system stability, and various government policies
kuat, stabilitas sistem keuangan, serta berbagai kebijakan aimed at maintaining national economic growth.
pemerintah dalam menjaga pertumbuhan ekonomi nasional.
Sejalan dengan prospek pertumbuhan ekonomi nasional In line with the continued positive national economic growth
yang tetap positif, aktivitas ekonomi di wilayah Provinsi outlook, economic activity in the Banten Province region,
Banten yang ditopang oleh sektor industri, perdagangan, underpinned by the industrial, trade, and services sectors,
dan jasa memberikan peluang yang cukup besar bagi presents considerable opportunities for banking business
pengembangan bisnis perbankan. Kondisi ini menjadi development. This creates an opportunity for Bank Banten
peluang bagi Bank Banten untuk meningkatkan peran to enhance its intermediation role through increased
intermediasi melalui peningkatan penghimpunan dana third-party fund mobilization and credit disbursement to
pihak ketiga serta penyaluran kredit kepada sektor produktif productive sectors supporting regional economic growth.
yang mendukung pertumbuhan ekonomi daerah.
Dari sisi pengembangan bisnis, Bank Banten akan terus From a business development perspective, Bank Banten
memperkuat layanan perbankan melalui pengembangan will continue to strengthen its banking services through
digital banking, optimalisasi layanan Jawara Mobile, the development of digital banking, the optimization of the
serta pemanfaatan sistem pembayaran BI-FAST guna Jawara Mobile service, and the utilization of the BI-FAST
meningkatkan kemudahan transaksi dan kualitas layanan payment system to improve transaction convenience and
kepada nasabah. Selain itu, Bank juga akan memperluas service quality for customers. In addition, the Bank will also
sumber pendapatan berbasis komisi (fee based income) expand fee-based income sources through the development
melalui pengembangan produk dan layanan perbankan of digital banking products and services.
digital.
Dalam hal penyaluran kredit, Bank Banten akan tetap In terms of credit disbursement, Bank Banten will remain
fokus pada penguatan segmen konsumer khususnya focused on strengthening the consumer segment,
kepada Aparatur Sipil Negara (ASN) dan pensiunan, serta particularly for Civil State Apparatus (ASN) and retirees,
meningkatkan penyaluran kredit kepada pelaku UMKM dan as well as increasing credit disbursement to MSME
sektor komersial yang memiliki keterkaitan dengan aktivitas players and commercial sectors with linkages to regional
pembangunan daerah. Selain itu, kredit komersial kepada development activities. Furthermore, commercial credit to
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
kontraktor yang terlibat dalam proyek pengadaan barang contractors involved in regional government goods and
dan jasa pemerintah daerah diharapkan dapat menjadi services procurement projects is expected to serve as a
sumber pertumbuhan bisnis yang potensial. potential source of business growth.
2025 Annual Report & Sustainability Report 159
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Optimalisasi pengelolaan dana pemerintah daerah The optimization of regional government fund management, termasuk Rekening Kas Umum Daerah (RKUD) dari including the Regional General Cash Account (RKUD) beberapa pemerintah kabupaten/kota di Provinsi Banten from several regency/municipal governments in Banten juga diharapkan dapat memberikan dampak positif Province, is also expected to have a positive impact on terhadap peningkatan likuiditas serta memperkuat basis liquidity enhancement and the strengthening of the Bank's bisnis Bank. Dengan dukungan strategi bisnis yang adaptif, business base. With the support of an adaptive business penguatan layanan digital, serta peningkatan sinergi strategy, strengthened digital services, and enhanced dengan pemerintah daerah dan mitra strategis, prospek synergy with regional governments and strategic partners, usaha Bank Banten pada tahun 2025 diharapkan tetap Bank Banten's business prospects in 2025 are expected positif dan mampu mendukung pertumbuhan bisnis secara to remain positive and capable of supporting sustainable berkelanjutan. business growth. STRATEGI DAN PROSPEK BISNIS TAHUN 2026 BUSINESS STRATEGY AND OUTLOOK 2026 STRATEGI BISNIS BUSINESS STRATEGY Pulau Jawa masih menjadi wilayah dengan kontribusi The island of Java remains the region with the largest terbesar terhadap perekonomian Indonesia, termasuk contribution to the Indonesian economy, including Banten di dalamnya Provinsi Banten sebagai salah satu pusat Province as one of its continuously growing centers of aktivitas ekonomi yang terus berkembang. Dalam rangka economic activity. In order to strengthen its contribution to memperkuat kontribusi terhadap pertumbuhan ekonomi regional economic growth, Bank Banten, as the Regional daerah, Bank Banten sebagai Bank Pembangunan Daerah Development Bank of Banten Province, continues to Provinsi Banten terus melakukan transformasi bisnis undergo business transformation through an adaptive and melalui strategi yang adaptif dan berkelanjutan. sustainable strategy. Memasuki tahun 2026, Bank Banten menetapkan langkah Entering 2026, Bank Banten has established strategic strategis untuk memperkuat posisi sebagai bank daerah measures to strengthen its position as a sound, competitive, yang sehat, kompetitif, dan modern melalui penguatan and modern regional bank through the strengthening sinergi Kelompok Usaha Bank (KUB) dengan Bank Jatim, of synergy within the Bank Business Group (KUB) with optimalisasi pengelolaan Rekening Kas Umum Daerah Bank Jatim, the optimization of regional government (RKUD) pemerintah daerah, serta pengembangan layanan Regional General Cash Account (RKUD) management, perbankan digital dan peningkatan kualitas layanan kepada the development of digital banking services, and the Aparatur Sipil Negara (ASN), UMKM, dan sektor produktif enhancement of service quality for Civil State Apparatus daerah. (ASN), MSMEs, and productive regional sectors. Melalui strategi tersebut, Bank Banten berupaya Through these strategies, Bank Banten endeavors to membangun dynamic strategic fit terhadap perubahan build a dynamic strategic fit in response to changes in the lingkungan bisnis dan regulasi industri perbankan, business environment and banking industry regulations, sekaligus memperkuat struktur permodalan, meningkatkan while simultaneously strengthening its capital structure, intermediasi kredit, serta memperluas sumber pendanaan enhancing credit intermediation, and expanding funding dan fee based income guna mendukung pembangunan sources and fee-based income to support sustainable ekonomi daerah secara berkelanjutan. regional economic development. 160 Laporan Tahunan & Laporan Keberlanjutan 2025
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Adapun arah kebijakan Bank akan difokuskan pada : The Bank's policy direction will be focused on:
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
1. Penguatan dan Pertumbuhan Bisnis Berkualitas 1. Strengthening and Sustainable Quality Business Growth
Berkelanjutan
2. Penguatan Service Excellence & Operational Excellence 2. Strengthening Service Excellence & Operational
Excellence
3. Peningkatan Sinergi, Kolaborasi dan Kemitraan 3. Enhancing Synergy, Collaboration, and Strategic
Strategis Partnerships
4. Penguatan Human Capital yang Berintegritas, 4. Strengthening Human Capital with Integrity,
Profesional & Produktif Professionalism & Productivity
Secara umum, strategi korporasi Bank diarahkan pada In general, the Bank's corporate strategy is directed toward
penguatan posisi Bank sebagai lembaga keuangan strengthening its position as a sound, competitive, and
daerah yang sehat, kompetitif, dan berkelanjutan melalui sustainable regional financial institution through quality
pertumbuhan bisnis yang berkualitas dengan tetap business growth, while upholding the principles of prudence,
mengedepankan prinsip kehati-hatian, peningkatan improving service quality and operational excellence based
kualitas layanan dan keunggulan operasional berbasis on digital transformation, and strengthening strategic
transformasi digital, serta penguatan sinergi dan kolaborasi synergy and collaboration with shareholders, regional
strategis dengan pemegang saham, pemerintah daerah, governments, and various partners within the financial
dan berbagai mitra dalam ekosistem industri keuangan. industry ecosystem. At the same time, the Bank continues
Di sisi lain, Bank juga terus mendorong pengembangan to promote the development of human capital with integrity,
sumber daya manusia yang berintegritas, profesional, dan professionalism, and productivity to support the creation of
produktif guna mendukung terciptanya organisasi yang an adaptive, innovative, and highly competitive organization,
adaptif, inovatif, dan berdaya saing tinggi, sehingga mampu thereby delivering added value to stakeholders and
memberikan nilai tambah bagi pemangku kepentingan contributing optimally to sustainable regional economic
serta berkontribusi secara optimal terhadap pertumbuhan growth.
ekonomi daerah secara berkelanjutan.
PROSPEK USAHA BUSINESS PROSPECTS
Prospek usaha Bank Banten pada tahun 2026 diperkirakan Bank Banten's business prospects for 2026 are expected
tetap memiliki peluang yang positif seiring dengan proyeksi to remain positive, in line with projections of stable national
pertumbuhan ekonomi nasional yang stabil serta aktivitas economic growth and continued economic activity on the
ekonomi di wilayah Pulau Jawa yang masih menjadi island of Java, which remains the primary contributor to the
kontributor utama terhadap perekonomian nasional. Provinsi national economy. Banten Province, as one of the regions
Banten sebagai salah satu wilayah dengan perkembangan with rapid development in the industrial, trade, and services
sektor industri, perdagangan, dan jasa yang cukup pesat sectors, presents significant potential for banking business
memberikan potensi yang besar bagi pengembangan bisnis development, particularly in the enhancement of third-party
perbankan, khususnya dalam peningkatan penghimpunan fund mobilization and credit disbursement to productive
dana pihak ketiga dan penyaluran kredit kepada sektor sectors.
produktif.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 161
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Sebagai Bank Pembangunan Daerah, Bank Banten memiliki As a Regional Development Bank, Bank Banten plays a
peran strategis dalam mendukung pembangunan ekonomi strategic role in supporting regional economic development
daerah melalui optimalisasi pengelolaan dana pemerintah through the optimization of regional government fund
daerah termasuk Rekening Kas Umum Daerah (RKUD), management, including the Regional General Cash
penguatan layanan kepada Aparatur Sipil Negara (ASN), Account (RKUD), the strengthening of services to the Civil
serta peningkatan pembiayaan kepada pelaku usaha dan State Apparatus (ASN), and the expansion of financing
sektor produktif di wilayah Provinsi Banten. Selain itu, to business actors and productive sectors within Banten
penguatan sinergi dalam kerangka Kelompok Usaha Bank Province. Furthermore, the strengthening of synergy
(KUB), pengembangan layanan digital, serta peningkatan within the Bank Business Group (KUB) framework, the
kualitas layanan dan efisiensi operasional diharapkan dapat development of digital services, and the improvement of
memperkuat daya saing Bank di tengah dinamika industri service quality and operational efficiency are expected to
perbankan yang semakin kompetitif. enhance the Bank's competitiveness amid an increasingly
competitive banking industry landscape.
Dengan dukungan strategi korporasi yang berfokus pada With the support of a corporate strategy focused on quality
pertumbuhan bisnis yang berkualitas dan berkelanjutan, and sustainable business growth, the enhancement
peningkatan service excellence dan operational excellence, of service excellence and operational excellence, the
penguatan sinergi dan kemitraan strategis, serta strengthening of strategic synergies and partnerships, and
pengembangan sumber daya manusia yang unggul, Bank the development of superior human capital, Bank Banten is
Banten diharapkan mampu menjaga kinerja yang sehat dan expected to maintain sound and sustainable performance
berkelanjutan serta memberikan kontribusi yang optimal while making an optimal contribution to regional economic
terhadap pertumbuhan ekonomi daerah. growth.
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Tinjauan Operasional Per Segmen Bisnis
Operational Overview Per Business Segment
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
A. Dana A. Funding
Hingga 31 Desember 2025, DPK Bank Banten mencapai As of December 31, 2025, Bank Banten's third-party funds
Rp6,4 triliun. (DPK) reached Rp6.4 trillion.
Sesuai dengan Anggaran Dasar Perseroan, Perusahaan In accordance with the Company's Articles of Association,
menjalankan aktivitas penghimpunan dana dari masyarakat, the Company conducts fund mobilization activities from
baik individu maupun korporasi, untuk kemudian dikelola the public, both individuals and corporations, which are
dan disalurkan kepada debitur perorangan maupun then managed and channeled to individual and corporate
perusahaan. Selain itu, Perseroan juga menyediakan debtors. In addition, the Company also provides financial
layanan transaksi keuangan, seperti pengiriman uang/ transaction services, such as remittances/transfers,
transfer, inkaso, dan berbagai layanan perbankan lainnya. collections (inkaso), and various other banking services.
Dari kegiatan di segmen Dana ini, Perusahaan memperoleh From activities in the Funding segment, the Company
pendapatan dalam bentuk fee-based income, bunga, serta earns revenue in the form of fee-based income, interest,
bagi hasil, yang berperan dalam menunjang operasional and profit-sharing, which supports operational activities and
dan pengembangan bisnis demi keberlanjutan usaha. business development for the sustainability of the business.
Produk dan Target Pasar Dana Funding Products and Target Markets
Perusahaan melakukan penghimpunan dana melalui The Company mobilizes funds through several main
beberapa produk utama, yaitu tabungan, giro, dan deposito. products, namely savings accounts, current accounts (giro),
Setiap produk memiliki karakteristik yang berbeda, baik dari and time deposits. Each product has distinct characteristics
segi tingkat bunga, tujuan penggunaan, maupun fasilitas. in terms of interest rates, purpose of use, and available
facilities.
a. Tabungan a. Savings Accounts
Sepanjang tahun 2025, Bank Banten menawarkan Throughout 2025, Bank Banten offered a range of
beragam produk tabungan, di antaranya: savings products, including:
1. Tabungan Harapan Perorangan 1. Harapan Individual Savings
Produk tabungan yang ditujukan untuk masyarakat A savings product intended for the general public,
umum, dilengkapi dengan kartu ATM sehingga equipped with an ATM card enabling customers
nasabah dapat melakukan transaksi penarikan to make withdrawals at any time. To enhance
kapan saja. Untuk meningkatkan aksesibilitas, kartu accessibility, this ATM card is connected to the ATM
ATM ini terhubung dengan jaringan ATM Bersama Bersama and ATM Prima networks.
dan ATM Prima.
2. Tabungan Harapan Non Perorangan 2. Harapan Non-Individual Savings
Jenis tabungan yang ditujukan bagi nasabah non- A type of savings intended for non-individual
perorangan, seperti perusahaan, firma, CV, yayasan, customers, such as companies, firms, CVs,
koperasi, dan badan hukum lainnya. foundations, cooperatives, and other legal entities.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
3. Tabungan Harapan Pensiun 3. Harapan Retirement Savings
Produk tabungan yang diperuntukkan bagi nasabah A savings product intended for retired or soon-to-be-
pensiunan atau calon pensiunan, yang digunakan retired customers, used to receive pension benefits
untuk menerima manfaat pensiun dari PT Taspen from PT Taspen (Persero).
(Persero).
4. Tabungan Jawara Bisnis Perorangan 4. Jawara Bisnis Individual Savings
Tabungan yang dirancang untuk nasabah bisnis, A savings product designed for business customers,
dengan keuntungan tambahan yang mendukung offering additional benefits to support transaction
aktivitas transaksi dan kebutuhan usaha. activities and business needs.
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5. Tabungan Jawara Bisnis Non Perorangan 5. Jawara Bisnis Non-Individual Savings
Produk tabungan dari Bank Banten yang dirancang A Bank Banten savings product specifically designed
khusus untuk nasabah non-perorangan, seperti for non-individual customers, such as companies,
perusahaan, firma, CV, yayasan, koperasi, dan firms, CVs, foundations, cooperatives, and other
badan hukum lainnya. Tabungan ini memberikan legal entities. This savings product offers various
beragam keuntungan guna mendukung transaksi benefits to support customers' transactions and
dan kebutuhan bisnis nasabah. business needs.
6. Tabungan Payroll dan Honorer ASN 6. Civil Servants Payroll and Honorary Staff Savings
Tabungan yang ditujukan bagi pegawai ASN dan A savings product intended for Civil Servants (ASN)
tenaga honorer, dengan fitur kartu ATM yang and honorary staff, featuring an ATM card that
memungkinkan nasabah untuk melakukan penarikan enables customers to make fund withdrawals at any
dana kapan saja sesuai kebutuhan. time as needed.
7. Tabungan Antar Bank – BPR 7. Inter-Bank Savings — Rural Bank (BPR)
Jenis tabungan yang khusus disediakan bagi Bank A type of savings exclusively provided for Rural
Perkreditan Rakyat (BPR) sebagai bagian dari Banks (BPR) as part of Bank Banten's banking
layanan perbankan Bank Banten. services.
8. Tabungan Sosial Banten/JAMSOSRATU 8. Banten Social Savings / JAMSOSRATU
Produk tabungan yang dibuat dalam rangka kerja A savings product established under a cooperation
sama antara Bank Banten dan Dinas Sosial Pemprov arrangement between Bank Banten and the Banten
Banten, yang digunakan untuk penyaluran bantuan Provincial Government's Social Services Agency,
sosial non-tunai melalui rekening Bank Banten. used for the disbursement of non-cash social
assistance through Bank Banten accounts.
9. Tabungan SimPel (Simpanan Pelajar) 9. SimPel Savings (Student Savings / Simpanan
Pelajar)
Tabungan yang diperuntukkan bagi pelajar PAUD, A savings product intended for students of early
SD, SMP, dan SMA yang berusia di bawah 17 childhood education (PAUD), elementary school
tahun dan belum memiliki KTP. Produk ini bertujuan (SD), junior high school (SMP), and senior high
untuk mendorong budaya menabung sejak dini, school (SMA) who are under 17 years of age and
memperluas akses perbankan di kalangan pelajar, do not yet hold a national identity card (KTP). This
serta menjadi sarana penyaluran dana Bantuan product aims to promote a savings culture from an
Operasional Sekolah (BOS). early age, expand banking access among students,
and serve as a channel for the disbursement of
School Operational Assistance (BOS) funds.
10. Tabungan Pajak 10. Tax Savings
Merupakan varian dari Tabungan Berjangka/ A variant of Bank Banten's Time Deposit/Savings
Rencana Bank Banten, yang memungkinkan Plan product that enables customers or taxpayers
nasabah atau wajib pajak untuk menabung secara to save on a regular basis, thereby facilitating the
rutin, sehingga memudahkan dalam pembayaran payment of Regional Taxes.
Pajak Daerah.
b. Giro b. Current Accounts (Giro)
Giro Umum diperuntukkan bagi nasabah perorangan General Current Accounts are intended for both individual
maupun non-perorangan. Giro Antar Bank/BPR and non-individual customers. Inter-Bank/BPR Current
merupakan pengembangan dari Giro Umum yang Accounts are a development of the General Current
khusus digunakan dalam transaksi antar Bank atau Account, specifically used for transactions between
BPR. banks or rural banks (BPR).
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Giro Pemerintah Daerah dirancang untuk Pemerintah Regional Government Current Accounts are designed
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Daerah di Provinsi Banten, termasuk instansi pemerintah, for Regional Governments in Banten Province,
lembaga negara, serta organisasi masyarakat yang including government agencies, state institutions, and
bukan perusahaan. Produk ini mencakup Rekening non-corporate community organizations. This product
Giro Kas Daerah (Giro KASDA), yang digunakan untuk encompasses the Regional Cash Current Account (Giro
menampung seluruh penerimaan dan pengeluaran KASDA), used to accommodate all regional revenue and
daerah. Giro Pemerintah Daerah terbagi menjadi Giro expenditure. Regional Government Current Accounts are
RKUD dan Non-RKUD. divided into RKUD and Non-RKUD Current Accounts.
Giro Pemerintah Pusat digunakan sebagai sarana Central Government Current Accounts are used as a
pembayaran payroll ASN pemerintah pusat, yang means of payroll payments for central government civil
terintegrasi dalam Sistem Perbendaharaan dan servants (ASN), integrated within the State Treasury and
Anggaran Negara (SPAN). Budget System (SPAN).
c. Deposito c. Time Deposits
Deposito merupakan produk simpanan berjangka Time deposits are fixed-term savings products intended
yang ditujukan bagi nasabah perorangan maupun non- for both individual and non-individual customers, with
perorangan, dengan pilihan tenor mulai dari 1 hingga 12 tenor options ranging from 1 to 12 months and offering
bulan serta menawarkan suku bunga kompetitif. competitive interest rates.
Kinerja Bisnis Dana Funding Business Performance
Hingga 31 Desember 2025 Bank Banten mencatat As of December 31, 2025, Bank Banten recorded third-party
perolehan Dana Pihak Ketiga (DPK) sebesar Rp6,4 triliun, funds (DPK) of Rp6.4 trillion, an increase from the previous
meningkat dibandingkan tahun sebelumnya sebesar year's figure of Rp4.86 trillion. DPK consists of several
Rp4,86 triliun. DPK terdiri dari beberapa komponen yakni components, namely Current Accounts (Giro) at 11.27% or
Giro sebesar 11,27% atau Rp723 miliar, Tabungan sebesar Rp723 billion, Savings Accounts at 12.16% or Rp780 billion,
12,16% atau Rp780 miliar dan Deposito sebesar 76,57% and Time Deposits at 76.57% or Rp4.92 billion.
atau Rp4,92 miliar.
Berikut rincian Dana Pihak Ketiga (DPK) dan simpanan The following is a breakdown of Bank Banten's Third-Party
Bank Banten tahun 2025: Funds (DPK) and deposits for 2025:
Dalam Rp juta rupiah In Rp millions
Produk / Product 2025 2024
Non Bank / Non-Bank 723.637 667.094
Giro / Current Accounts Bank 174.546 147.092
Total 1.802.634 814.186
Non Bank / Non-Bank 780.748 711.622
Tabungan / Saving Accoutns Bank 20.085 13.564
Total 955.294 725.186
Non Bank / Non-Bank 4.915.930 3.477.125
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Deposito / Time Deposits Bank 1.078.997 533.372
Total 4.936.015 4.010.497
Grand Total Non-Bank / Non-Bank Grand Total 6.420.315 4.855.841
Grand Total Bank / Bank Grand Total 1.273.628 694.028
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Strategi dan Prospek Bisnis Dana Tahun 2026 2026 Funding Business Strategy and Prospects Guna meningkatkan perolehan dana murah (tabungan dan In order to increase the mobilization of low-cost funds giro) dalam struktur pendanaannya, Bank Banten telah (savings and current accounts) within its funding structure, menyusun beberapa strategi bisnis dan menetapkan target Bank Banten has formulated several business strategies pengembangan untuk tahun 2026 mendatang, di antaranya: and established development targets for 2026, including: 1. Kerjasama Pengelolaan Kas Daerah dengan Pemerintah 1. Regional Cash Management Cooperation with Regency/ Kabupaten/Kota di Banten Municipal Governments in Banten 2. Meningkatkan Volume CASA dari Dana APBD dan 2. Increasing CASA Volume from Regional Budget (APBD) Rekanan Pemerintah Funds and Government Partners 3. Sinergi dengan Pemerintah Daerah untuk Transaksi 3. Synergy with Regional Governments for Non-Cash Non Tunai Transactions 4. Produk Dana Pihak Ketiga yang Kompetitif untuk 4. Competitive Third-Party Fund Products for the Retail Segmen Retail Segment 5. Pengembangan Program Tabungan Khusus 5. Development of Special Savings Programs 6. Produk Terintegrasi untuk Lembaga Pendidikan, 6. Integrated Products for Educational Institutions, Kesehatan dan Layanan Umum Healthcare Facilities, and Public Services 7. Program Khusus untuk Prime Customer dan Akuisisi 7. Special Programs for Prime Customers and New Nasabah Baru Customer Acquisition 8. Promosi dan Sponsorship yang Berkelanjutan 8. Sustained Promotion and Sponsorship 9. Rekrutmen SDM Berdasarkan Kompetensi untuk 9. Competency-Based Human Capital Recruitment for Pemasaran Dana Pihak Ketiga Third-Party Fund Marketing 10. Pelatihan dan Pengembangan SDM untuk Peningkatan 10. Human Capital Training and Development for Enhanced Hubungan dengan Nasabah Customer Relationships 11. Sistem Reward dan Punishment Berdasarkan Kinerja 11. Performance-Based Reward and Punishment System B. Treasury B. Treasury Pengelolaan likuiditas menjadi prioritas utama Unit Treasury Liquidity management is the primary priority of the Treasury guna mendukung operasional bank secara keseluruhan Unit in order to support overall bank operations and ensure serta memastikan pemenuhan rasio keuangan sesuai compliance with financial ratios in accordance with Bank ketentuan Bank Indonesia dan OJK. Selain mengatur Indonesia and OJK requirements. In addition to managing likuiditas harian, Treasury juga bertugas merencanakan dan daily liquidity, the Treasury is also tasked with planning and menempatkan kelebihan dana pada instrumen investasi di placing surplus funds in money market and capital market pasar uang dan pasar modal yang dapat memberikan hasil investment instruments that can deliver optimal investment investasi yang optimal bagi Bank. returns for the Bank. Di tahun 2025, fokus utama aktivitas treasury mencakup In 2025, the primary focus of treasury activities encompassed pengelolaan likuiditas harian serta pemanfaatan kelebihan daily liquidity management and the utilization of surplus dana dengan berinvestasi pada berbagai instrumen funds through investment in various financial instruments keuangan yang mengoptimalkan imbal hasil, sambil tetap that optimize returns, while maintaining adherence to mematuhi prinsip kehati-hatian dan regulasi yang berlaku. prudential principles and applicable regulations. Produk dan Target Pasar Treasury Treasury Products and Target Markets Aktivitas treasury di Bank Banten terbagi dalam dua kategori Treasury activities at Bank Banten are divided into two main portofolio utama, yaitu: portfolio categories: a. Trading Book – Meliputi seluruh posisi perdagangan a. Trading Book — Encompasses all of the Bank's trading bank pada instrumen keuangan, baik dalam neraca positions in financial instruments, both on-balance sheet maupun rekening administratif, yang dimiliki dengan and in administrative accounts, held with the objective of tujuan memperoleh keuntungan dalam jangka pendek. generating short-term profits. 166 Laporan Tahunan & Laporan Keberlanjutan 2025
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b. Banking Book – Mencakup seluruh posisi keuangan b. Banking Book — Encompasses all financial positions
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
yang bertujuan untuk memenuhi kebutuhan likuiditas aimed at meeting liquidity needs and optimizing the
serta mengoptimalkan pengelolaan aset dan kewajiban management of the Company's assets and liabilities.
perusahaan.
Kinerja Bisnis Treasury Treasury Business Performance
Unit Treasury mencatatkan pendapatan bunga pada tahun The Treasury Unit recorded interest income in 2025 of
2025 sebesar Rp570,49 miliar. Sejumlah transaksi yang Rp570.49 billion. A number of transactions conducted within
dilakukan dalam segmen Treasury sepanjang tahun 2025 the Treasury segment throughout 2025 included:
meliputi:
a. Transaksi pasar uang a. Money Market Transactions
Aktivitas di pasar uang dilakukan untuk mengelola Money market activities are conducted to manage
likuiditas perusahaan melalui berbagai instrumen, the Company's liquidity through various instruments,
termasuk penempatan dana dalam Pasar Uang Antar including fund placements in the Interbank Money Market
Bank (PUAB) dan transaksi lelang Operasi Moneter (PUAB) and Bank Indonesia Monetary Operations
Bank Indonesia. Instrumen penempatan dana yang auction transactions. Fund placement instruments
digunakan antara lain: utilized include:
• Interbank Call Money ∙ Interbank Call Money
• Reverse Repo Bank Indonesia ∙ Bank Indonesia Reverse Repo
• Time Deposit dan Deposit Facility Bank Indonesia ∙ Bank Indonesia Time Deposits and Deposit Facility
• Reksa Dana ∙ Mutual Funds (Reksa Dana)
Sumber dana dari pasar uang yang dimanfaatkan untuk Funding sources from the money market utilized for
pengelolaan likuiditas diperoleh melalui: liquidity management were obtained through:
• Interbank Borrowing Call Money • Interbank Borrowing Call Money
• Term Repo Bank Indonesia • Bank Indonesia Term Repo
Sejalan dengan program Bank Indonesia dalam In line with Bank Indonesia's program to deepen the
memperdalam pasar keuangan dan menjaga stabilitas financial market and maintain interbank money market
suku bunga pasar uang, Bank Banten juga memanfaatkan interest rate stability, Bank Banten also utilizes the
instrumen Giro Wajib Minimum (GWM) rata-rata dan average Statutory Reserve Requirement (GWM) and
GWM penyangga likuiditas makroprudensial, yang macroprudential liquidity buffer GWM instruments,
dapat digunakan untuk transaksi repo dengan Bank which can be used for repo transactions with Bank
Indonesia sebagai alternatif sumber pendanaan. Selain Indonesia as an alternative funding source. In addition,
itu, Bank Banten menjalin kerja sama bilateral dengan Bank Banten establishes bilateral cooperation with
bank lain untuk memperoleh pinjaman berjangka guna other banks to obtain term loans to maintain adequate
menjaga kecukupan likuiditas. liquidity.
b. Transaksi pendapatan tetap b. Fixed Income Transactions
Pendapatan dari transaksi pendapatan tetap diperoleh Income from fixed income transactions is generated
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
melalui penempatan dana dalam surat berharga. Pada through fund placements in securities. In 2025, total
tahun 2025, total pendapatan yang dihasilkan dari income generated from securities transactions reached
transaksi surat berharga mencapai Rp66,92 miliar. Rp66.92 billion.
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C. Kredit UMKM C. MSME Credit
Penguatan Sinergi dan Optimalisasi Kredit UMKM yang Strengthening Synergy and Optimizing Quality MSME
Berkualitas Credit
Sebagai Bank Pembangunan Daerah, Perusahaan terus As a Regional Development Bank, the Company remains
berkomitmen untuk berkontribusi dalam mendukung committed to contributing to development and driving
pembangunan dan mendorong pertumbuhan ekonomi economic growth through competitive and value-added
melalui produk dan layanan yang kompetitif serta bernilai products and services, particularly for MSMEs, which
tambah, khususnya bagi UMKM, yang merupakan sektor constitute an important sector in both the national and
penting dalam perekonomian nasional dan daerah. regional economy. The Company plays a role in MSME
Perusahaan berperan dalam pengembangan UMKM dengan development by optimizing its function as an intermediation
mengoptimalkan fungsinya sebagai lembaga intermediasi, institution, both through direct credit disbursement and
baik melalui penyaluran kredit secara langsung maupun through partnership cooperation (Linkage Program).
melalui kerja sama kemitraan (Linkage Program).
Sebagian besar kredit UMKM disalurkan di wilayah Provinsi The majority of MSME credit is disbursed in the Banten
Banten, terutama untuk modal kerja. Total penyaluran Province region, primarily for working capital purposes.
kredit UMKM hingga akhir 2025 mencapai Rp235,88 miliar Total MSME credit disbursement as of the end of 2025
atau 4,65% dari total kredit. reached Rp235.88 billion, or 4.65% of total credit.
Bank memilih strategi penyaluran kredit melalui pola linkage The Bank has chosen a credit disbursement strategy through
sebagai langkah efisien dalam pengelolaan portofolio the linkage pattern as an efficient approach to managing the
kredit UMKM serta penyiapan infrastruktur jika penyaluran MSME credit portfolio and preparing the infrastructure for
dilakukan secara langsung. direct disbursement.
Kualitas Aktiva Kredit UMKM dan Mitigasi Risiko MSME Credit Asset Quality and Risk Mitigation
Kualitas penyaluran kredit UMKM baik secara langsung The quality of MSME credit disbursement, both direct and
maupun dengan kerja sama Linkage masih terjaga baik. through Linkage cooperation, remains well-maintained.
Sebagai respons terhadap penutupan dan pemberian In response to the closure and sanctioning of several Rural
sanksi terhadap beberapa BPR dan lembaga keuangan Banks (BPR) and non-bank financial institutions by OJK in
non-bank oleh OJK pada tahun 2024, Bank menerapkan 2024, the Bank has implemented more stringent selection
seleksi yang lebih ketat dalam pola linkage, dengan criteria in the linkage pattern, with additional parameters
tambahan parameter dan kriteria dalam proses pemberian and criteria in the credit facility approval process.
fasilitas kredit.
Portofolio Kredit UMKM & BPR Linkage MSME & BPR Linkage Credit Portfolio
Tahun / Year
Keterangan / Description
2023 2024 2025
UMKM & BPR Linkage / MSME & Rural Banks 321.892 222.598 235.876
(BPR) Linkage
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Produk dan Target Pasar Kredit UMKM MSME Credit Products and Target Markets
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
a. Kredit Usaha Bangun Banten a. Kredit Usaha Bangun Banten (KUBB)
Kredit Usaha Bangun Banten (KUBB) merupakan Kredit Usaha Bangun Banten (KUBB) is a credit
fasilitas kredit yang diberikan secara langsung kepada facility extended directly to prospective debtors, with a
calon debitur dengan fokus pemasaran di Provinsi marketing focus in Banten Province. The KUBB product
Banten. Produk KUBB terdiri dari tiga jenis, yaitu KUBB consists of three types, namely KUBB Tuntas, KUBB
Tuntas, KUBB Mandiri, dan KUBB Sejahtera, dengan Mandiri, and KUBB Sejahtera, with loan limits ranging
plafon pinjaman mulai dari Rp5 juta hingga Rp500 juta. from Rp5 million to Rp500 million. The maximum loan
Jangka waktu pinjaman maksimal tiga tahun untuk tenor is three years for working capital and five years for
modal kerja dan lima tahun untuk investasi. investment purposes
b. Kredit Linkage b. Linkage Credit
Perseroan juga menyalurkan kredit kepada Bank The Company also extends credit to Rural Banks (BPR)
Perkreditan Rakyat (BPR) dan Lembaga Keuangan and Microfinance Institutions (LKM) through executing
Mikro (LKM) melalui produk pembiayaan executing atau or linkage financing products, in order to support the
linkage, guna mendukung kebutuhan modal kerja bagi working capital needs of these financial institutions.
lembaga-lembaga keuangan tersebut.
Pendapatan Bunga Kredit UMKM & BPR Linkage MSME Credit Interest Income
Tahun / Year
Keterangan / Description
2023 2024 2025 CAGR (%)
UMKM & BPR Linkage / MSME & 33.465 22.039 27.157 11,01%
Rural Banks (BPR) Linkage
Strategi dan Prospek Bisnis Kredit UMKM Tahun 2026 2026 MSME Credit Business Strategy and Outlook
Perusahaan optimis bahwa sektor UMKM pada tahun The Company is optimistic that the MSME sector in 2026
2026 mendatang diperkirakan akan tetap tumbuh, is expected to continue growing, despite facing a number
meskipun dihadapi dengan sejumlah tantangan. Untuk of challenges. To optimize the performance of the MSME
mengoptimalkan kinerja segmen kredit UMKM, Bank credit segment, Bank Banten implements the following
Banten menerapkan strategi, di antaranya : strategies, among others:
1. Penyaluran Kredit Modal Kerja Konstruksi (KMKK) 1. Disbursement of Construction Working Capital Credit
dengan sumber pembayaran proyek melalui Bank (KMKK) with project payment sources through Bank
Banten & Kredit kepada pelaku UMKM di wilayah Banten, and credit to MSME players in the Banten
Banten guna mendorong perekonomian daerah; region to stimulate the regional economy;
2. Meningkatkan penyaluran kredit dengan pola linkage 2. Increasing credit disbursement through the linkage
pada lembaga keuangan seperti BPR, Modal Ventura pattern with financial institutions such as Rural Banks
dan Lembaga Keuangan lainnya yang memiliki kinerja (BPR), Venture Capital firms, and other financial
baik dan fokus bisnis pembiayaan pelaku usaha mikro, institutions with good performance and a business
kecil dan menengah (UMKM); focus on financing micro, small, and medium enterprise
(MSME) players;
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
3. Mempersiapkan penyaluran kredit program berbasis 3. Preparing the disbursement of government subsidy-
subsidi pemerintah seperti Kredit Usaha Rakyat (KUR). based program credit such as the People's Business
Credit (KUR);
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4. Melakukan penyempurnaan produk termasuk fitur kredit 4. Refining products, including credit features, to meet untuk memenuhi kebutuhan permodalan dan transaksi the capital and transaction needs of business actors in pelaku usaha pada sektor-sektor tertentu yang menjadi certain sectors that are government priorities; prioritas pemerintah; 5. Meningkatkan kolaborasi dengan pihak lain, termasuk 5. Enhancing collaboration with other parties, including instansi pemerintah dalam rangka pengembangan dan government agencies, in the context of MSME pemberdayaan UMKM; development and empowerment; 6. Pengembangan kompetensi SDM pada bidang Kredit 6. Developing human capital competencies in the MSME UMKM dan melakukan rekrutmen SDM baru guna Credit field and recruiting new personnel to accelerate mengakselerasi penyaluran kredit. credit disbursement. D. Kredit Komersial D. Commercial Credit “Penyaluran Kredit Komersial yang Berkualitas” “Quality Commercial Loan Disbursement” Pada tahun 2025, total penyaluran kredit komersial In 2025, total commercial loan disbursement reached IDR mencapai Rp178,00 miliar, atau sekitar 3,51% dari total 178.00 billion, or approximately 3.51% of the Bank’s total kredit yang disalurkan oleh Bank. loan portfolio. Bank melakukan penyaluran kredit di segmen ini dengan Bank disburses loans in this segment very selectively to sangat selektif untuk memastikan terjaganya kualitas kredit. ensure credit quality is maintained. Bank continues to Bank terus melakukan berbagai pemyempurnaan baik dari establish various improvements to both its policies and loan sisi kebijakan maupun proses penyaluran kredit. disbursement processes. Fokus utama penyaluran adalah pada kredit modal kerja Main priority and focus of disbursement is on working capital di sektor konstruksi, khususnya yang berkaitan dengan loans in the construction sector, particularly those related to belanja barang dan jasa pemerintah. Langkah ini bertujuan government goods and services spending. This measure untuk memastikan bahwa penyaluran kredit dilakukan pada aims to ensure that loans are disbursed to sectors with a sektor dengan profil risiko yang lebih rendah serta dengan lower risk profile and through a more stringent selection proses seleksi calon debitur yang lebih ketat. process for prospective borrowers. Perbaikan Kualitas Kredit Komersial Commercial Loan Quality Improvement Seiring dengan Langkah perbaikan yang dilakukan, tidak In line with these improvement measures, there have been terdapat adanya debitur baru yang bermasalah di segmen no new non-performing loan in the commercial segment. komersial. Beberapa mekanisme yang umum digunakan dalam rangka Some common mechanisms used to maintain credit quality, menjaga kualitas kredit termasuk di segmen komersial including in the commercial segment, include loan resolution adalah melalui penyelesaian atau penyelamatan kredit or recovery, with the following steps: dengan Langkah sebagai berikut: 170 Laporan Tahunan & Laporan Keberlanjutan 2025
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• Restrukturisasi kredit, • Credit restructuring
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
• Penyelesaian kredit melalui penagihan, • Credit settlement through collection
• Lelang agunan, serta • Collateral auctions
• Kerja sama dengan Kejaksaan Tinggi Provinsi Banten • Cooperation with the Banten Provincial Attorney
untuk penyelesaian kredit bermasalah. General's Office for the resolution of non-performing
loans
Strategi dan Prospek Bisnis Kredit Komersial Tahun 2026 Commercial Credit Business Strategy and
2026 Prospects
Ke depan, penyaluran kredit komersial akan tetap dilakukan Going forward, commercial credit disbursement will continue
secara selektif, dengan fokus pada sektor-sektor yang to be carried out selectively, with a focus on sectors with
memiliki risiko lebih terkendali. Prioritas utama adalah more controlled risks. The primary priority is financing
pembiayaan yang berkaitan dengan belanja barang dan related to government goods and services procurement
jasa pemerintah, yang dianggap memiliki potensi bisnis expenditure, which is considered to have stable and
yang stabil dan berkelanjutan. sustainable business potential.
Untuk menjaga keberlanjutan bisnis kredit komersial, Bank To maintain the sustainability of the commercial credit
Banten melakukan Rencana dan strategi pengembangan business, Bank Banten implements Commercial Credit
bisnis Kredit Komersial dilakukan secara selektif sesuai business development plans and strategies selectively
dengan tahapan prioritas penyaluran kredit segemen in accordance with the commercial segment credit
komersial yang telah dicanangkan oleh Bank antara lain : disbursement priority stages established by the Bank,
including:
1. Meningkatkan komunikasi dan kordinasi dengan Dinas 1. Enhancing communication and coordination with
atau Instansi yang bertindak selaku Pengguna Anggaran agencies or institutions acting as Budget Users (PA)
(PA) baik APBD maupun APBN termasuk dengan for both regional (APBD) and national (APBN) budgets,
asosisasi maupun organisasi pengusaha pengadaan including with associations and organizations of goods
barang dan jasa; and services procurement entrepreneurs;
2. Mempersiapkan kebijakan dan prosedur serta 2. Preparing the policies, procedures, and infrastructure
infrastruktur yang dibutuhkan dalam rangka penyaluran required for the disbursement of Corporate and
Kredit Korporasi dan Sindikasi Syndicated Credit;
3. Melakukan evaluasi dan pengembangan produk Kredit 3. Conducting periodic evaluations and development
Komersial secara berkala dengan memperhatikan of Commercial Credit products, taking into account
perkembangan para pelaku usaha developments among business actors;
4. Memprioritasikan penyaluran Kredit Komersial pada 4. Prioritizing Commercial Credit disbursement to
perusahaan kontraktor yang mengandalkan sumber contractor companies whose project payment sources
pembayaran proyek dari dana APBD Provinsi Banten, rely on Banten Province APBD funds, state-owned
BUMN dalam bidang strategis, Perusahaan go public enterprises (BUMN) in strategic sectors, publicly listed
yang memiliki rating baik, recall debitur yang pernah companies with good ratings, recall of debtors who
memiliki fasilitas kredit di Bank dengan track record previously held credit facilities at the Bank with a good
baik dan lancar serta pada sektor ekonomi atau sektor and current track record, and in economic or business
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
usaha yang menjadi prioritas pemerintah dan memiliki sectors that are government priorities, have good
prospek usaha yang baik serta tingkat risiko yang dapat business prospects, and present acceptable risk levels
diterima oleh Bank untuk menggerakan kembali roda for the Bank, in order to reinvigorate economic activity in
perekonomian pasca-Pandemi the post-pandemic period;
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5. Meningkatkan kompetensi SDM di bidang Kredit 5. Enhancing human capital competencies in the Komersial melalui pelatihan secara berkala dengan Commercial Credit field through periodic training with narasumber atau praktisi dari Bank lain yang telah resource persons or practitioners from other banks berpengalaman dalam penyaluran Kredit Komersial experienced in Commercial Credit disbursement, as serta melakukan rekrutmen SDM yang berpengalaman well as recruiting experienced personnel to accelerate guna mengakselerasi penyaluran kredit komersial commercial credit disbursement in accordance with sesuai dengan kebutuhan needs. E. Kredit Konsumer E. Consumer Credit Pada tahun 2025 penyaluran kredit konsumer Bank In 2025, Bank Banten's consumer credit disbursement Banten tercatat sebesar Rp4,66 triliun was recorded at Rp4.66 trillion. Kredit konsumer merupakan fasilitas kredit yang diberikan Consumer credit is a credit facility extended to individuals kepada individu untuk keperluan konsumsi atau kebutuhan for consumption purposes or other needs, with the primary lainnya, dengan sasaran utama nasabah berpenghasilan target being fixed-income customers. In 2025, consumer tetap. Pada tahun 2025, kredit konsumer menyumbang credit accounted for 91.84% of the Bank's total credit 91,84% dari total kredit yang disalurkan oleh Bank, dengan disbursed, with a value reaching Rp4.65 trillion. nilai mencapai Rp4,65 triliun. Secara umum, penyaluran kredit konsumer terbagi menjadi In general, consumer credit disbursement is divided into two dua segmen utama, yaitu: main segments: 1. Kredit untuk pegawai aktif 1. Credit for active employees 2. Kredit bagi pegawai yang menjelang pensiun dan 2. Credit for employees approaching retirement and pensiunan retirees Dari total penyaluran, 53% dialokasikan untuk segmen Of total disbursements, 53% was allocated to the active pegawai aktif, sedangkan 12% diperuntukkan bagi pegawai employee segment, while 12% was allocated to the pre- pra-pensiun dan pensiunan. retirement and retiree segment. Sebagai pengelola Rekening Kas Umum Daerah (RKUD) As the manager of the Regional General Cash Account Pemerintah Daerah Provinsi Banten, Bank juga bertindak (RKUD) of the Banten Provincial Government, the Bank also sebagai bank pembayaran gaji bagi ASN dan tenaga acts as the salary payment bank for civil servants (ASN) and honorer di lingkungan Pemerintah Daerah Provinsi Banten. honorary staff within the Banten Provincial Government. Sejak 2017, Bank juga telah menjadi mitra pembayaran Since 2017, the Bank has also been a pension payment pensiun PT Taspen (Persero). Selain itu, penyaluran kredit partner of PT Taspen (Persero). In addition, consumer credit konsumer juga dilakukan melalui kerja sama dengan disbursement is also carried out through cooperation with instansi pemerintah/swasta serta koperasi karyawan yang government/private institutions and employee cooperatives bernaung di dalamnya. under their auspices. Kualitas Aktiva dan Mitigasi Risiko Kredit Asset Quality and Credit Risk Mitigation Dalam rangka mengurangi risiko yang mungkin saja In order to reduce potential risks, all consumer credit terjadi, seluruh kredit konsumer yang disalurkan oleh disbursed by the Bank is protected by a guarantor institution Bank dilindungi oleh lembaga penjamin atau perusahaan or insurance company to anticipate the risks of default, asuransi guna mengantisipasi risiko gagal bayar, kematian, death, or termination of employment. atau pemutusan hubungan kerja (PHK). 172 Laporan Tahunan & Laporan Keberlanjutan 2025
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Kualitas penyaluran kredit konsumer pada tahun 2025 The quality of consumer credit disbursement in 2025
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
masih terjaga dengan baik, dimana rasio NPL Gross remained well-maintained, with the Gross NPL ratio of the
segmen konsumer sebesar 2,46% pada akhir 2025. consumer segment standing at 2.46% at the end of 2025.
Sebagai langkah mitigasi risiko, Bank telah mengambil As risk mitigation measures, the Bank has adopted several
beberapa kebijakan, di antaranya: policies, including:
a. Menghentikan kerja sama dengan perusahaan asuransi a. Terminating cooperation with insurance companies
yang mengalami penurunan kinerja. experiencing a decline in performance.
b. Bekerja sama dengan Kejaksaan Tinggi Provinsi b. Cooperating with the Banten Provincial Attorney
Banten untuk menagih klaim dan menyelesaikan kredit General's Office to collect claims and resolve non-
bermasalah. performing loans.
c. Meningkatkan komunikasi dengan bank tempat debitur c. Enhancing communication with the banks through which
menerima gaji guna mempermudah penyelesaian kredit debtors receive their salaries to facilitate the resolution
bermasalah. of non-performing loans.
d. Menerapkan stop booking policy untuk instansi/ d. Implementing a stop booking policy for institutions/
perusahaan yang menunjukkan peningkatan kredit companies showing an increase in non-performing
bermasalah yang bukan disebabkan oleh risiko loans not attributable to mortality risk.
kematian.
e. Mengoptimalkan strategi penyelamatan dan e. Optimizing credit rescue and resolution strategies in
penyelesaian kredit sesuai best practice. accordance with best practices.
Kinerja Bisnis Kredit Konsumer Consumer Credit Business Performance
(Dalam Juta Rupiah) (in Rp millions)
Pendapatan Bunga / Interest Income 2023 2024 2025
Konsumer / Consumer 338.524 346.010 421.879
Strategi dan Prospek Bisnis Kredit Konsumer Tahun 2026 Consumer Credit Business Strategy and
2026 Prospects
Pada tahun 2025, Bank tetap menjadikan kredit konsumer In 2025, the Bank continued to make consumer credit its
sebagai fokus utama untuk meningkatkan pertumbuhan primary focus for driving credit growth and income.
kredit dan pendapatan.
Saat ini, masih terdapat ASN di Pemerintah Daerah Provinsi At present, there are still civil servants (ASN) within the
Banten yang belum mendapatkan fasilitas kredit dari Bank. Banten Provincial Government who have not yet received
Persaingan produk di segmen nasabah berpenghasilan credit facilities from the Bank. Product competition in the
tetap semakin ketat, sehingga Bank perlu melakukan inovasi fixed-income customer segment is increasingly intense,
dan diversifikasi produk, dengan tetap mempertimbangkan requiring the Bank to innovate and diversify its products
risiko guna menjaga kualitas kredit. while continuing to take risk into consideration in order to
maintain credit quality.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
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Penyaluran kredit konsumer dilakukan dengan beberapa Consumer credit disbursement is carried out through the strategi antara lain: following strategies: 1. Perluasan target pasar dalam penyaluran Kredit 1. Expansion of the target market for Consumer Credit Konsumer bagi pegawai berpenghasilan tetap pada disbursement to fixed-income employees in both instansi pemerintah maupun swasta baik yang government and private institutions, whether or not telah memiliki kerjasama ataupun belum dengan existing cooperation agreements are in place, while memperhatikan tingkat risiko yang dapat diterima; taking into account acceptable risk levels; 2. Melakukan diversifikasi produk Konsumer dan 2. Diversifying Consumer products and improving business perbaikan proses bisnis sesuai target pasar dengan processes in accordance with target markets, taking into memperhatikan kesiapan sarana dan prasarana serta account the readiness of facilities and infrastructure and biaya investasi yang diperlukan the required investment costs; 3. Melakukan evaluasi dan perbaikan fitur produk serta 3. Conducting evaluations and improvements to product proses bisnis untuk mempertahankan dan meningkatkan features and business processes to maintain and akuisisi debitur increase debtor acquisition; 4. Meningkatkan pola penyaluran kerjasama kredit dengan 4. Enhancing credit cooperation disbursement patterns Bank dan atau lembaga keuangan non Bank dengan with banks and/or non-bank financial institutions through pola channelling, executing, joint financing maupun channeling, executing, joint financing, and asset buy asset buy schemes; 5. Meningkatkan marketing campaign baik yang bersifat 5. Increasing marketing campaigns at both the national nasional maupun daerah. and regional levels. Dengan berbagai strategi ini, Bank menargetkan With these various strategies, the Bank targets healthy and pertumbuhan kredit konsumer yang sehat dan sustainable consumer credit growth while ensuring that its berkelanjutan, serta memastikan bahwa kontribusinya contribution to interest income remains optimal. terhadap pendapatan bunga tetap optimal. 174 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tinjauan Kinerja Keuangan
Financial Performance Overview
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Analisis dan pembahasan yang disajikan di bawah ini The analysis and discussion presented below is prepared
disusun berdasarkan Laporan Keuangan Bank Banten based on Bank Banten's Financial Statements for the
untuk periode yang berakhir pada tanggal 31 Desember periods ended December 31, 2024 and December 31,
2024 dan 31 Desember 2025. Laporan Keuangan telah 2025. The Financial Statements have been audited by
diaudit oleh Kantor Akuntan Publik Kanaka Puradiredja, Public Accounting Firm Kanaka Puradiredja, Suhartono and
Suhartono dan ditandatangani oleh Florus Daeli signed by Florus Daeli, SE, Ak, MM, CA, CPA, CRA, CLI,
,SE,Ak,MM,CA,CPA,CRA,CLI,CFI,CACP,ASEAN CPA , CFI, CACP, ASEAN CPA, Public Accountant Registration
Registrasi Akuntan Publik No. AP. 0126. Laporan Keuangan No. AP. 0126. The Financial Statements received an
memperoleh opini Wajar Tanpa Pengecualian (WTP), untuk Unqualified Opinion (WTP) on the Company's statement of
laporan posisi keuangan Perseroan, serta kinerja keuangan financial position, as well as its financial performance and
dan arus kasnya untuk tahun yang berakhir pada tanggal- cash flows for the years ended on those dates.
tanggal tersebut.
Pembahasan di bawah ini berisi prediksi kinerja ke depan The discussion below contains forward-looking performance
dan mencerminkan pandangan Bank Banten pada saat projections and reflects Bank Banten's current views
ini sehubungan dengan kejadian-kejadian di masa yang with respect to future events and financial performance.
akan datang dan kinerja keuangan. Sesuai dengan PSAK In accordance with Indonesian Financial Accounting
di Indonesia, informasi tertentu untuk periode/tahun yang Standards (PSAK), certain information for the specified
ditetapkan bukan merupakan suatu acuan untuk kinerja periods/years does not constitute a benchmark for the
keuangan Perusahaan dan tidak bisa dijadikan sebagai Company's financial performance and cannot be used as
alternatif untuk menyesuaikan seluruh hal-hal yang terdapat an alternative to reconciling all matters contained in the
di laporan keuangan Perseroan atau acuan kinerja lainnya, Company's financial statements or other performance
acuan likuiditas atau acuan lainnya yang sesuai dengan benchmarks, liquidity benchmarks, or other benchmarks in
PSAK di Indonesia. accordance with Indonesian PSAK.
Ditinjau dari kinerja keuangan, Bank Banten berhasil In terms of financial performance, Bank Banten successfully
mencatatkan peningkatan dalam sejumlah aspek. recorded improvements in a number of aspects. Further
Analisis lebih lanjut terhadap kinerja keuangan akan analysis of financial performance will take into account the
mempertimbangkan faktor-faktor eksternal dan internal external and internal factors influencing these achievements,
yang memengaruhi pencapaian ini, serta strategi yang as well as the strategies to be implemented to maintain the
akan diterapkan untuk menjaga stabilitas dan pertumbuhan financial stability and growth of the Company going forward.
keuangan Perseroan ke depan.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 175
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LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
(Dalam Rp Juta) (in Rp millions)
Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Total Aset / Total Assets 10.001.448 7.551.114 32,45%
Total Liabilitas / Total Liabilities 8.101.291 5.847.417 38,54%
Total Ekuitas / Total Equity 1.900.157 1.703.697 11,53%
Total Liabilitas dan Ekuitas / Total Liabilities and Equity 10.001.448 7.551.114 32,45%
ASET ASSETS
Hingga 31 Desember 2025, total aset Perseroan tercatat As of December 31, 2025, the Company's total assets
sebesar Rp10,01 triliun, mengalami peningkatan sebesar were recorded at Rp10.01 trillion, an increase of 32.45%
32,45% dibandingkan dengan tahun sebelumnya sebesar compared to the previous year at Rp7.55 trillion. This
Rp7,55 triliun. Peningkatan ini terutama disebabkan oleh increase was primarily attributable to the corporate action
aksi korporasi Akuisisi portofolio Kredit Konsumer ASN of acquiring the Consumer Credit portfolio of ASN from
Kota Serang dan ASN Kab Lebak melalui Asset Buy dari the City of Serang and ASN from Lebak Regency through
Bank BJB sebesar + Rp1,5 triliun. Hal ini turut mendorong an Asset Buy from Bank BJB amounting to approximately
pertumbuhan aset produktif Perseroan. Rp1.5 trillion. This also contributed to the growth of the
Company's earning assets.
(Dalam Rp Juta) (in Rp millions)
Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Kas / Cash 183.498 133.328 37,63%
Giro pada Bank Indonesia / Current accounts in Bank Indonesia 731.471 456.348 60,29%
Giro pada bank lain / Current Accoutns in other banks 27.190 11.513 136,17%
Penempatan pada Bank Indonesia dan bank lain / Placements with Bank 818.409 450.583 81,63%
In-donesia and other banks
Efek-Efek / Securities 1.005.527 1.053.236 (4,53%)
Efek-efek yang dibeli dengan janji dijual kembali / Securities purchased 108.734 - 100%
under agreement to resell
Kredit pihak ketiga - setelah di kurangi Cadangan / Third-party loans – net 4.888.752 3.607.640 35,51%
of allowance for impairment losses
Pendapatan bunga yang masih akan diterima / Accrued interest receivable 34.240 25.042 36,74%
Biaya dibayar di muka / Prepaid ex-penses 753.219 779.365 (3,35%)
Aset Tetap dan Aset Hak Guna / Fixed assets and right of use of assets 168.008 28.176 496,28%
Agunan yang diambil alih / Foreclosed asset 2.371 2.371 0,00%
Aset pajak tangguhan / Deferred tax assets 230.853 350.240 (34,09%)
Aset tak berwujud / Intangible assets 80.386 28.708 180,01%
Aset lain-lain / Others assets 968.789 624.562 63,39%
Jumlah Aset 10.001.448 7.551.112 32,45%
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KAS CASH
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Pada tahun 2025 kas Bank Banten meningkat menjadi Cash as of December 31, 2025 amounted to Rp183.50
Rp183,50 miliar, meningkat 37,63% dibandingkan tahun billion, an increase of Rp50.16 billion or 37.63% compared
2024 yang sebesar Rp133,33 miliar. Kenaikan ini salah to the previous year's position of Rp133.34 billion. This
satunya disebebkan oleh bertambahnya Kas Vault 10281 increase was in line with the growth in third-party funds and
& 10283 (penempatan dana cash management). Sebagian the Bank's expanded operational activities.
besar dari kas tersebut diperlukan untuk mendukung
aktivitas operasional harian yang berjalan di seluruh
jaringan cabang Perseroan.
GIRO PADA BANK INDONESIA CURRENT ACCOUNTS AT BANK INDONESIA
Saldo giro pada Bank Indonesia pada tahun 2025 tercatat Current Accounts at Bank Indonesia as of December 31,
sebesar Rp731,47 miliar, mengalami peningkatan 2025 amounted to Rp731.47 billion, an increase of Rp275.52
signifikan sebesar 60,29% dibandingkan tahun 2024 yang billion or 60.29% compared to the previous year's position
mencapai Rp456,35 miliar. Hal ini menunjukkan bahwa of Rp455.95 billion. This increase was primarily driven by
bank menempatkan dana lebih banyak di Bank Indonesia the growth in third-party funds, which raised the minimum
untuk memenuhi ketentuan likuiditas statutory reserve requirement that must be maintained at
Bank Indonesia.
GIRO PADA BANK LAIN CURRENT ACCOUNTS AT OTHER BANKS
Hingga akhir 2025, giro yang ditempatkan pada bank lain Current Account at Other Banks as of December 31, 2025
mengalami peningkatan signifikan sebesar 136,17%, dari amounted to Rp27.19 billion, an increase of Rp15.67 billion
Rp11,5 miliar pada tahun 2024 menjadi Rp27,19 miliar or 136.17% compared to the previous year's position of
pada tahun 2025. Rp11.52 billion.
PENEMPATAN PADA BANK INDONESIA DAN BANK PLACEMENTS AT BANK INDONESIA AND OTHER
LAIN BANKS
Dana yang ditempatkan dalam bentuk Fasilitas Simpanan Placements at Bank Indonesia and Other Banks as of
Bank Indonesia (FASBI), interbank call money, tabungan December 31, 2025 amounted to Rp818.41 billion, an
antarbank, dan deposito berjangka mengalami peningkatan increase of Rp367.63 billion or 81.63% compared to the
sebesar 81,63%, dari Rp450,58 miliar pada tahun 2024 previous year's position of Rp450.78 billion. This increase
menjadi Rp818,41 miliar pada tahun 2025. reflected the Bank's strategy of optimizing excess liquidity
through short-term placements.
EFEK-EFEK SECURITIES
Investasi Perseroan dalam bentuk obligasi pemerintah dan Securities as of December 31, 2025 amounted to Rp1.01
obligasi korporasi mengalami penurunan sebesar 4,53%, trillion, a decrease of Rp47.85 billion or 4.53% compared to
dari Rp1,05 triliun pada tahun 2024 menjadi Rp1,01 triliun the previous year's position of Rp1.06 trillion. The decline
pada tahun 2025. was due to the maturity of several securities instruments
during the year.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
KREDIT LOANS
Hingga akhir 2025 total penyaluran kredit mencapai Through the end of 2025, total loan disbursements reached
Rp4,89 triliun, mengalami peningkatan sebesar 35,51% Rp4.89 trillion, an increase of 35.51% compared to 2024's
dibandingkan tahun 2024 yang sebesar Rp3,61 triliun. figure of Rp3.61 trillion.
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Komposisi kredit berdasarkan jenis: Loan composition by type:
• Kredit Konsumsi: Rp4,66 triliun (sebagian besar • Consumer Loans: Rp4.66 trillion (primarily extended to
diberikan kepada Aparatur Sipil Negara Provinsi Banten Civil Servants of Banten Province for home purchases,
untuk pembelian rumah, kendaraan bermotor, serta motor vehicle financing, and other consumptive needs).
kebutuhan konsumtif lainnya).
• Kredit Modal Kerja: Rp396,99 miliar (termasuk kredit • Working Capital Loans: Rp396.99 billion (including
berjangka, kredit rekening koran, kredit akseptasi, dan term loans, current account credit facilities, acceptance
cerukan yang diberikan kepada debitur untuk modal credit, and overdrafts extended to debtors for working
kerja). capital purposes).
• Kredit Investasi: Rp14,90 miliar (kredit jangka menengah • Investment Loans: Rp14.90 billion (medium- and long-
dan panjang yang diberikan untuk pembelian barang term loans extended for the purchase of capital goods).
modal).
Melalui strategi yang selektif dalam menyalurkan kredit dan Through a selective lending strategy and asset optimization,
optimalisasi aset, Perseroan terus berupaya meningkatkan the Company continues to strive for improved efficiency and
efisiensi dan menjaga kualitas portofolio kredit di tengah the maintenance of credit portfolio quality amid evolving
dinamika ekonomi. economic dynamics.
Rincian kredit berdasarkan jenisnya sebagai berikut: The breakdown of loans by type is as follows:
(Dalam Rp Juta) (in Rp millions)
Perubahan (%) /
Jenis Kredit / Types of Loans 2025 2024
Change (%)
Investasi / Investment 14.903 26.002 (42,69%)
Modal Kerja / Working capital 396.986 583.655 (31,98%)
Konsumsi / Consumer 4.657.485 3.241.625 43,68%
Jumlah / Total 5.069.373 3.851.281 31,63%
Cadangan Kerugian Penurunan Nilai / Allowance for impairment losses (180.621) (243.641) (25,87%)
Jumlah / Total 4.888.752 3.607.640 35,51%
Dari segi jenis konsumen, kredit individu lebih besar In terms of consumer type, individual loans account for a
dibandingkan dengan kredit korporat. Total kredit individu larger share compared to corporate loans. Total individual
mencapai Rp4,89 triliun, yang berkontribusi sebesar 97% loans reached Rp4.89 trillion, contributing 97% of total
dari total kredit. loans.
(Dalam Rp Juta) (in Rp millions)
Perubahan (%) /
Jenis Konsumen / Consumer Type 2025 2024
Change (%)
Korporat / Corporate 174.570 586.866 (70,25%)
Individu / Individual 4.894.803 3.264.415 49,94%
Jumlah / Total 5.069.373 3.851.281 31,63%
Cadangan Kerugian Penurunan Nilai / Allowance for Impairment Losses (180.621) (243.641) (25,87%)
Bersih / Net 4.888.752 3.607.640 35,51%
Pada tahun 2025, Cadangan Kerugian Penurunan Nilai In 2025, the Allowance for Impairment Losses (CKPN) for
(CKPN) masing-masing tahun tersebut adalah Rp180,62 each respective year amounted to Rp180.62 billion and
miliar dan Rp243,64 miliar. Rp243.64 billion.
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Pendapatan Bunga yang Masih akan Diterima Accrued Interest Receivables
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Pendapatan bunga yang masih akan diterima oleh Bank Accrued interest receivables by the Bank in 2025 amounted
pada tahun 2025 sebesar Rp34,24 miliar, mengalami to Rp34.24 billion, an increase of 36.73% compared to the
peningkatan sebesar 36,73% dibandingkan tahun previous year's figure of Rp25.04 billion. This increase was
sebelumnya yang mencapai Rp25,04 miliar. Peningkatan attributable to credit expansion as well as a partial increase
ini disebabkan oleh ekspansi kredit dan juga peningkatan in securities.
sebagaian efek
Biaya Dibayar di Muka Prepaid Expenses
Akun ini mencakup biaya sewa, asuransi, promosi, hadiah, This account includes rental fees, insurance, promotional
serta biaya lainnya. Pada tahun 2025, jumlahnya menurun expenses, prizes, and other costs. In 2025, the total
sebesar 3,35% menjadi Rp753,22 miliar, dibandingkan decreased by 3.35% to Rp753.22 billion, compared to
tahun 2024 yang tercatat sebesar Rp779,37 miliar. Rp779.37 billion recorded in 2024.
Aset Tetap Fixed Assets
Aset tetap mencakup biaya perolehan renovasi bangunan Fixed assets include the acquisition cost of leasehold
yang disewa, kendaraan, perlengkapan, mesin, serta improvements, vehicles, equipment, machinery, as well as
peralatan kantor dan aset sewa guna. Hingga 31 Desember office equipment and right-of-use assets. As of December
2025, nilai aset tetap meningkat signifikan sebesar 31, 2025, the value of fixed assets increased significantly by
496,28%, dari Rp28,18 miliar pada tahun 2024 menjadi 496.28%, from Rp28.18 billion in 2024 to Rp168.01 billion.
Rp168,01 miliar.
Aset Tak Berwujud Intangible Assets
Pada tahun 2025 aset tak berwujud tercatat sebesar In 2025, intangible assets were recorded at Rp80.39 billion,
Rp80,39 miliar, meningkat sebesar 180,01% dibandingkan an increase of 180.01% compared to Rp28.71 billion in
tahun 2024 sebesar Rp28,71 miliar. 2024.
Aset Lain-lain Other Assets
Aset lain-lain pada tahun 2025 tercatat sebesar Rp1,02 Other assets in 2025 were recorded at Rp1.02 trillion, an
triliun, meningkat 63,39% dibandingkan tahun sebelumnya increase of 63.39% compared to the previous year's figure
sebesar Rp624,56 miliar. of Rp624.56 billion.
LIABILITAS LIABILITIES
Total liabilitas Bank pada tahun 2025 mencapai Rp8,10 Total liabilities of the Bank in 2025 reached Rp8.10 trillion,
triliun, mengalami peningkatan sebesar Rp2,25 triliun atau an increase of Rp2.25 trillion or 38.46% compared to
38,46% dibandingkan dengan tahun 2024 yang sebesar 2024's figure of Rp5.85 trillion. This increase was primarily
Rp5,85 triliun. Peningkatan ini terutama disebabkan oleh driven by growth in customer deposits as well as deposits
bertambahnya simpanan dari nasabah serta simpanan dari from other banks.
bank lain.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
(Dalam Rp Juta) (in Rp millions)
Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Liabilitas segera / Liabilities due immediately 100.017 142.370 (29,75%)
Simpanan dari nasabah / Deposit for customers
- Pihak ketiga / Third parties 6.398.400 4.395.442 45,57%
- Pihak berelasi / Related parties 21.915 460.399 (95,24%)
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Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Simpanan dari bank lain / Deposits from other banks
- Pihak ketiga / Third parties 1.269.615 690.731 83,81%
- Pihak berelasi / Related parties 4.013 3.297 21,72%
Utang Pajak / Taxes Payable 13.060 3.982 15,30%
Liabilitas imbalan pasca kerja / Post employment benefit liabilities 36.678 31.811 115,77%
Liabilitas lain-lain / Other liabilities 257.591 119.382 38,54%
Jumlah Liabilitas / Total Liabilities 8.101.289 5.847.415 38,54%
Liabilitas Segera Liabilities Due Immediately
Liabilitas Segera mencakup Rekening Perantara Asuransi, Liabilities Due Immediately include Insurance Intermediary
Utang Bunga, serta kewajiban lainnya. Hingga akhir Accounts, Interest Payable, and other obligations.
Desember 2025 total Liabilitas Segera tercatat sebesar Through the end of December 2025, total Obligations Due
Rp100,02 miliar, mengalami penurunan sebesar 29,75% Immediately were recorded at Rp100.02 billion, a decrease
dibandingkan tahun 2024 yang sebesar Rp142,37 miliar. of 55.95% compared to 2024's figure of Rp142.37 billion.
Simpanan dari Nasabah Deposits from Customers
Pada tahun 2024, total simpanan nasabah tercatat sebesar In 2024, total deposits from customers were recorded at
Rp6,42 triliun, mengalami peningkatan sebesar 32,22% Rp6.42 trillion, an increase of 32.22% compared to the
dibandingkan tahun sebelumnya yang mencapai Rp4,86 previous year's figure of Rp4.86 trillion. This increase was
triliun. Peningkatan ini disebabkan oleh bertambahnya driven by growth in third-party funds (DPK). Third-party
simpanan dari dana pihak ketiga (DPK). DPK tercatat funds were recorded at Rp6.42 trillion in 2025, an increase
sebesar Rp6,42 triliun pada tahun 2025, mengalami of 46.07% compared to 2024's figure of Rp4.39 trillion.
peningkatan sebesar 46,07% dibandingkan tahun 2024
yang sebesar Rp4,39 triliun.
Berikut rincian struktur Simpanan Dari Nasabah Bank: The following is a breakdown of the Bank's Deposits from
Customers structure:
(Dalam Rp Juta) (in Rp millions)
Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Giro / Current Accounts 723.637 667.094 8.5%
Tabungan / Savings 780.748 711.622 9.7%
Deposito Berjangka / Time Deposits 4.915.930 3.477.125 41.4%
Jumlah / Total 6.420.315 4.855.841 32.2%
Simpanan dari Bank Lain Deposits from Other Banks
Simpanan yang berasal dari bank lain pada tahun 2025 Deposits from other banks in 2025 were recorded at
tercatat sebesar Rp1.273,63 miliar, mengalami peningkatan Rp1,273.63 billion, an increase of 83.51% compared to
sebesar 83,51% dibandingkan tahun 2024 yang mencapai 2024's figure of Rp694.03 billion.
Rp694,03 miliar.
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Utang Pajak Taxes Payable
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Utang pajak mencakup pajak penghasilan pasal 4 (2), Taxes payable include income tax Article 4(2), Article 21,
pasal 21, pasal 23, serta Pajak Pertambahan Nilai (PPN). Article 23, and Value Added Tax (VAT). As of December
Hingga 31 Desember 2025, total utang pajak Bank 31, 2025, the Bank's total taxes payable were recorded at
tercatat sebesar Rp13,06 miliar, mengalami peningkatan Rp13.06 billion, an increase of 227.98% compared to the
227,98% dibandingkan tahun sebelumnya yang sebesar previous year's figure of Rp3.98 billion. This increase was
Rp3,98 miliar. Peningkatan ini terutama disebabkan oleh primarily attributable to a rise in employee salary income
peningkatan pada PPh gaji karyawan. tax (PPh)
Liabilitas Imbalan Pasca Kerja Post-Employment Benefit Liabilities
Bank mencatat dan menghitung imbalan pasca kerja The Bank records and calculates post-employment benefits
berdasarkan Undang-Undang Cipta Kerja No.11 Tahun in accordance with Job Creation Law No. 11 of 2020. In
2020. Pada 2025, liabilitas imbalan pasca kerja tercatat 2025, post-employment benefit liabilities were recorded at
sebesar Rp36,68 miliar, mengalami peningkatan sebesar Rp36.68 billion, an increase of 15.30% compared to 2024's
15,30% dibandingkan tahun 2024 yang sebesar Rp31,81 figure of Rp31.81 billion.
miliar.
Liabilitas Lain-Lain Other Liabilities
Akun ini terdiri dari liabilitas sewa guna usaha, setoran This account consists of finance lease liabilities, security
jaminan, kewajiban transaksi ATM, asuransi, serta kewajiban deposits, ATM transaction obligations, insurance, and other
lainnya. Pada 2025, total Liabilitas Lain-Lain meningkat obligations. In 2025, total Other Liabilities increased by
sebesar 115,77% menjadi Rp257,59 miliar, dibandingkan 115.77% to Rp257.59 billion, compared to Rp119.38 billion
tahun 2024 sebesar Rp119,38 miliar. Kenaikan berasal dari in 2024. The increase was attributable to performance bank
bank garansi pelaksana, rekening perantara operasional/ guarantees, operational/insurance intermediary accounts,
asuransi, kewajiban transaksi ATM bersama and shared ATM transaction obligations.
EKUITAS Equity
Sepanjang tahun 2025, ekuitas Perseroan mencapai Throughout 2025, the Company's equity reached Rp1.90
Rp1,90 triliun, meningkat 11,53% dibandingkan tahun trillion, an increase of 11.53% compared to the previous
sebelumnya yang sebesar Rp1,70 triliun. Peningkatan ini year's figure of Rp1.70 trillion. This increase was primarily
terutama didorong oleh bank garansi pelaksana, rekening driven by performance bank guarantees, operational/
perantara operasional/asuransi, kewajiban transaksi ATM insurance intermediary accounts, shared ATM transaction
bersama serta realisasi APP II. obligations, and the realization of APP II.
(Dalam Rp Juta) (Dalam Rp Juta)
Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Modal Saham / Share Capital 4.308.864 4.308.864 0,00%
Tambahan Modal Disetor / Additional Paid-In Capital 381.044 241.475 57,80%
Dana Setoran Modal / Capital Deposit Fund 0 - 00,00%
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Laba belum direalisasi atas nilai wajar melalui penghasilan komprehensif lain / Unrealized Gains on Fair Value Through Other
Comprehensive Income
Kerugian Aktuaria Setelah Pajak / Actuarial loss net off taxes (11.503) (15.871) (27,52%)
Saldo Rugi / Net Loss (2.778.247) (2.830.771) (1,86%)
Jumlah / Total 1.900.156 1.703.697 11,53%
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LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
(Dalam Rp Juta) (In Rp million)
Perubahan (%) /
Uraian / Description 2025 2024
Changes (%)
Pendapatan (Beban) Operasional / Operating Income (Expenses)
Pendapatan bunga / Interest income 570.495 491.804 16,00%
Beban bunga / Interest expense (371.804) (302.443) 22,93%
Pendapatan bunga-bersih / Interest income – net 198.691 189.361 4,93%
Administrasi / Administration 76.302 43.153 35,62%
Keuntungan dari perubahan nilai wajar atas aset keuangan yang diukur
pada nilai wajar melalui laporan laba rugi-bersih / Gain from charges in fair 20 - -
value of financial assets at fair value through profit and loss- net
Lain-lain-bersih / Others – net 9.932 12.924 (23,15%)
Jumlah Pendapatan Operasional / Total Operating Income 314.878 245.438 28,29%
Pemulihan (Penyisihan) kerugian penurunan nilai aset keuangan-bersih /
165.606 122.113 35,62%
Provision of impairment reverse (losses) on financial asets – net
Beban Operasional Lainnya / Other operating expenses
Umum dan Administrasi / General and Administrative (158.769) (143.437) 10,69%
Keuntungan/(kerugian) penjualan surat berharga / Gain/(loss) on sale of
- - -
securities
Tenaga kerja dan tunjangan/ Personal and benefit (129.669) (127.961) 1,33%
Laba Operasional – Bersih / Net Operating Gain 59.526 96.153 (38,09%)
Pendapatan (Beban) Non Operasional Bersih / Non-Operating Income
(3.054) (21.156) (85,56%)
(Expenses) - Net
Laba (Rugi) Sebelum Pajak Penghasilan / Gain (Loss) Before Income
56.472 74.997 (24,70%)
Tax
Penghasilan Komprehensif Lain/ Other Comprehensive Income
Pos-pos yang tidak direklasifikasi ke laba rugi/ Item that would never be reclassified to profit loss
Keuntungan (kerugian) Aktuaria / Actuarial Gain (loss) (3.299) (1.583) 108,40%
Pajak Tangguhan/ Deferred Tax 726 348 108,62%
Pos-pos yang akan direklasifikasi ke laba rugi / Item that would be reclassified to profit loss
Perubahan nilai wajar melalui penghasilan komprehensif lain / Changes in
2.174 (6.724) (132,33%)
fair value through other comprehensive income
Pajak Tangguhan / Deferred Tax (478) 1.479 (132,32%)
Laba Bersih / Net Gain 52.523 39.330
Jumlah Laba Komprehensif/ Total Comprehensive Gain 51.646
32.851 57,21%
Rugi Per Saham Dasar dan Dilusian (nilai penuh) / Basic Loss Per
1,01 0,76 0,00%
Share and Diluted (full amount)
PENDAPATAN BUNGA-BERSIH INTEREST INCOME - NET
Pendapatan Bunga-Bersih merupakan hasil dari selisih Interest Income – Net represents the difference between
antara pendapatan bunga dengan beban bunga. Pada 31 interest income and interest expense. As of December 31,
Desember 2025, Bank mencatatkan Pendapatan Bunga- 2025, the Bank recorded Interest Income – Net of Rp198.69
Bersih sebesar Rp198,69 miliar, mengalami peningkatan billion, an increase of 4.93% compared to the previous
sebesar 4,93% dibandingkan dengan tahun sebelumnya year's figure of Rp189.36 billion.
yang mencapai Rp189,36 miliar.
182 Laporan Tahunan & Laporan Keberlanjutan 2025
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Di sisi lain, Pendapatan Bunga tercatat sebesar Rp570,50 On the other hand, Interest Income was recorded at
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
miliar, meningkat 16% dibandingkan dengan tahun Rp570.50 billion, an increase of 16% compared to the
sebelumnya sebesar Rp491,80 miliar. Beban Bunga Bank previous year's figure of Rp491.80 billion. The Bank's
mengalami peningkatan sebesar 22,93% dari Rp302,44 Interest Expense increased by 22.93% from Rp302.44
miliar pada tahun 2024 menjadi Rp371,80 miliar pada billion in 2024 to Rp371.80 billion in 2025.
tahun 2025.
PENDAPATAN OPERASIONAL OPERATING INCOME
Pendapatan Operasional terdiri dari berbagai komponen, Operating Income consists of various components, including
termasuk pendapatan dari administrasi, keuntungan atas income from administration fees, gains on changes in the
perubahan nilai wajar aset keuangan dan sumber lainnya. fair value of financial assets, and other sources. In 2025,
Pada tahun 2025, Pendapatan Operasional tercatat Operating Income was recorded at Rp314.88 billion, an
sebesar Rp314.88 miliar, mengalami kenaikan sebesar increase of 28,29% compared to the previous year's figure
28,29% dibandingkan tahun sebelumnya yang mencapai of Rp245.44 billion. This increase was primarily driven by
Rp245,44 miliar. Kenaikan ini terutama didorong oleh growth in fee-based income derived from current account,
peningkatan pendapatan berbasis komisi (fee based savings, and deposit administration fees, loan administration
income) yang berasal dari administrasi giro, tabungan dan fees, ATM services, clearing and RTGS transactions,
deposito, administrasi kredit, layanan ATM, transaksi kliring mutual fund trading, Safe Deposit Box (SDB) rental income,
dan RTGS, perdagangan reksa dana, pendapatan sewa and recoveries from written-off loans.
Safe Deposit Box (SDB), serta penerimaan dari penagihan
atas kredit yang telah dihapus buku.
BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
Dari sisi pengeluaran, Beban Operasional Lainnya pada On the expenditure side, Other Operating Expenses in
tahun 2025 tercatat sebesar Rp454,04 miliar, mengalami 2025 were recorded at Rp454.04 billion, an increase of
peningkatan sebesar 67,29% dibandingkan tahun 67.29% compared to the previous year's figure of Rp271.40
sebelumnya yang mencapai Rp271,40 miliar. Peningkatan billion. This increase was a result of higher general and
ini merupakan hasil dari peningkatan beban umum dan administrative expenses.
administrasi.
LABA OPERASIONAL OPERATING GAIN
Pada 31 Desember 2025 Bank mencatatkan Laba As of December 31, 2025, the Bank recorded Operating
Operasional sebesar Rp59,53 miliar, menurun 38,09% Gain of Rp59.53 billion, a decrease of 38.09% compared
dibandingkan dengan laba operasional pada tahun to the operating profit of the previous year, which reached
sebelumnya yang mencapai Rp96,15 miliar. Rp96.15 billion.
LABA (RUGI) SEBELUM PAJAK GAIN (LOSS) BEFORE INCOME TAX
Lebih lanjut, Bank membukukan Laba (Rugi) Sebelum Furthermore, the Bank posted a Gain (Loss) Before Income
Pajak sebesar Rp56,47 miliar pada tahun 2025, mengalami Tax of Rp56.47 billion in 2025, a decrease of 24.70%
penurunan sebesar 24,70% dibandingkan Laba (Rugi) compared to the Profit (Loss) Before Income Tax of 2024,
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Sebelum Pajak tahun 2024 yang mencapai Rp74,99 miliar. which reached Rp74.99 billion.
LABA BERSIH NET GAIN
Dari keseluruhan kinerja, Bank mencatatkan Laba Bersih Overall, the Bank recorded a Net Gain of Rp52.52 billion in
sebesar Rp52,52 miliar pada tahun 2025, meningkat 33,54% 2025, an increase of 33.54% compared to the Net Profit of
dibandingkan dengan Laba Bersih tahun sebelumnya yang the previous year, which reached Rp39.33 billion.
mencapai Rp39,33 miliar.
2025 Annual Report & Sustainability Report 183
Page 186
JUMLAH LABA KOMPREHENSIF TOTAL COMPREHENSIVE GAIN
Selain itu, Bank juga membukukan Jumlah Laba In addition, the Bank also posted Total Comprehensive
Komprehensif sebesar Rp51,65 miliar pada tahun 2025, Gain of Rp51.65 billion in 2025, an increase of 57.21%
meningkat sebesar 57,22% dibandingkan dengan Jumlah compared to Total Comprehensive Gain of 2024, which
Laba Komprehensif tahun 2024 yang mencapai Rp32,85 reached Rp32.85 billion.
miliar.
LABA PER SAHAM DASAR BASIC GAIN PER SHARE
Dengan pencapaian ini, Laba per Saham Dasar pada tahun With these achievements, Basic Gain Per Share in 2025
2025 tercatat sebesar Rp1,01 juta. jumlah ini meningkat was recorded at Rp1.01. This figure remained stable
34,67% jika dibandingkan dengan Laba per Saham Dasar compared to Basic Gain Per Share in 2024.
tahun 2024 sebesar Rp0,75 juta.
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
(Dalam Rp Juta) (In Rp million)
Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Arus Kas diperoleh dari (digunakan untuk) Aktivitas Operasi / Cash Flow 531.792 113.294 369,39%
from (used in) Operating Activities
Arus Kas diperoleh dari (digunakan untuk) Aktivitas Investasi / Cash Flow (10.420) (9.601) (8,53%)
from (used in) Investment Activities
Arus Kas diperoleh dari (digunakan untuk) Aktivitas Pendanaan / Cash 139.569 - 100,00%
Flow from (used in) Financing Activities
Kenaikan (Penurunan) Kas dan Setara Kas / Net Increase (Decrease) in 708.795 191.105 270,89%
Cash and Cash Equivalents
Kas dan setara kas pada awal tahun / Cash and cash equivalents at the 1.051.772 860.666 22,20%
beginning of year
Kas dan Setara kas pada akhir tahun / Cash and cash equivalents at the 1.760.567 1.051.772 67,39%
ending of year
ARUS KAS DIPEROLEH DARI (DIGUNAKAN UNTUK) CASH FLOW FROM (USED IN) OPERATING
AKTIVITAS OPERASI ACTIVITIES
Pada tahun 2025, posisi kas saldo bersih digunakan untuk n 2025, the net cash balance used in operating activities
aktivitas operasi tercatat sebesar Rp531,79 miliar, naik was recorded at Rp531.79 billion, a significant increase
signifikan sebesar 369,39% dibandingkan perolehan tahun of 369.39% compared to last year’s figure of negative
lalu sebesar minus Rp113,29 miliar. Rp113.29 billion.
ARUS KAS DIPEROLEH DARI (DIGUNAKAN UNTUK) CASH FLOW FROM (USED IN) INVESTMENT
AKTIVITAS INVESTASI ACTIVITIES
Posisi kas saldo bersih digunakan untuk aktivitas investasi The net cash balance used in investment activities was
tercatat sebesar Rp10,42 miliar pada tahun 2025, meningkat recorded at Rp10.42 billion in 2025, an increase of 8.53%
sebesar 8,53% dibandingkan dengan perolehan tahun 2024 compared to the 2024 figure of Rp9.60 billion.
yang mencapai Rp9,60 miliar.
ARUS KAS DIPEROLEH DARI (DIGUNAKAN UNTUK) CASH FLOW FROM (USED IN) FINANCING
AKTIVITAS PENDANAAN ACTIVITIES
Pada tahun 2025, posisi kas saldo bersih digunakan untuk In 2025, the net cash balance used in financing activities
aktivitas pendanaan tercatat sebesar Rp139,57 miliar. was recorded at Rp139.57 billion.
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KENAIKAN (PENURUNAN) KAS DAN SETARA KAS INCREASE (DECREASE) IN CASH AND CASH
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
EQUIVALENTS
Pada tahun 2025, terjadi kenaikan saldo kas dan setara In 2025, the Bank’s cash and cash equivalents balance
kas Bank menjadi sebesar Rp708,80 miliar, meningkat increased to Rp708.80 billion, an increase of 270.89%
270,89% dibandingkan perolehan tahun 2024 sebesar compared to the 2024 figure of negative Rp191.11 billion.
minus Rp191,11 miliar.
KAS DAN SETARA KAS AWAL TAHUN CASH AND CASH EQUIVALENTS AT BEGINNING OF
YEAR
Pada awal tahun 2025, posisi saldo kas dan setara kas At the beginning of 2025, the net cash and cash equivalents
bersih tercatat sebesar Rp1,05 triliun, meningkat 22,20% balance was recorded at Rp1.05 trillion, an increase of
dibandingkan perolehan awal tahun lalu sebesar Rp860,67 22.20% compared to the beginning of the previous year's
miliar. figure of Rp860.67 billion.
KAS DAN SETARA KAS AKHIR TAHUN CASH AND CASH EQUIVALENTS AT END OF YEAR
Pada akhir tahun 2025, posisi saldo kas dan setara kas At the end of 2025, the net cash and cash equivalents
bersih tercatat sebesar Rp1,76 triliun, meningkat 67,39% balance was recorded at Rp1.74 trillion, an increase of
dibandingkan perolehan akhir tahun lalu yang mencapai 65.88% compared to the end of the previous year's figure
Rp1,05 triliun. of Rp1.05 trillion.
KEMAMPUAN MEMBAYAR UTANG DAN SOLVENCY AND COLLECTABILITY RATE
TINGKAT KOLEKTIBILITAS
Kemampuan Bank dalam memenuhi kewajiban keuangan The Bank's capacity to fulfill its financial obligations to
kepada pihak lain dapat dievaluasi melalui tiga rasio utama, other parties can be evaluated through three key ratios: the
yaitu rasio likuiditas, rasio solvabilitas, dan rasio rentabilitas. liquidity ratio, the solvency ratio, and the profitability ratio.
RASIO LIKUIDITAS LIQUIDITY RATIO
Rasio likuiditas digunakan untuk mengukur kapasitas Bank The liquidity ratio is used to measure the Bank's capacity
dalam memenuhi kewajiban jangka pendeknya. Indikator to meet its short-term obligations. The health indicator of
kesehatan rasio likuiditas dapat dilihat dari perbandingan the liquidity ratio can be observed through the comparison
antara total kredit yang disalurkan dengan dana pihak between total loans disbursed and third-party funds, known
ketiga atau Loan to Deposit Ratio (LDR). as the Loan to Deposit Ratio (LDR).
Pada tahun 2025, LDR Bank Banten mencapai 76,24%, In 2025, Bank Banten’s LDR reached 76.24%, strengthened
menguat dibandingkan dengan tahun sebelumnya yang from 79.31% the previous year. This increase was due to
tercatat sebesar 79,31%. Penguatan ini terjadi karena expansive growth in third-party funds, strengthening liquidity
pertumbuhan Dana Pihak Ketiga yang ekspansif sebagai to support credit growth. Bank Banten’s LDR remains within
penguatan likuiditas untuk mendukung pertumbuhan kredit. a manageable and liquid range.
LDR Bank Banten masih berada pada rentang yang terjaga
dan likuid.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
RASIO SOLVABILITAS SOLVENCY RATIO
Rasio solvabilitas diukur melalui rasio permodalan, yang The solvency ratio is measured through the capital adequacy
mencerminkan kemampuan Bank dalam menanggung ratio, which reflects the Bank's capacity to absorb financial
risiko keuangan. Capital Adequacy Ratio (CAR) mencakup risks. The Capital Adequacy Ratio (CAR) encompasses
perhitungan terhadap risiko kredit, risiko operasional, dan calculations for credit risk, operational risk, and market risk.
risiko pasar.
2025 Annual Report & Sustainability Report 185
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Nilai CAR pada tahun 2025 tercatat sebesar 36,73% The CAR in 2025 was recorded at 36.73%, a decrease from
menurun dari tahun 2024 sebesar 42,99%. Penurunan 42.99% in 2024. This decline was due to an increase in total
ini disebabkan oleh naiknya Total ATMR khususnya Risk-Weighted Assets (RWA), particularly RWA for Credit
ATMR untuk Risiko Kredit dan ATMR untuk Risiko Pasar Risk and RWA for Market Risk, although Total Capital also
meskipun Total Modal juga mengalami kenaikan, namun increased, it was not proportionate to the increase in total
tidak sebanding dengan kenaikan Total ATMR. RWA.
RASIO RENTABILITAS PROFITABILITY RATIO
Untuk mengukur tingkat efisiensi kinerja, Bank To measure the level of operational efficiency, the Bank
menggunakan rasio rentabilitas yang terdiri dari beberapa uses profitability ratios consisting of several key indicators:
indikator utama, yaitu laba terhadap aset (Return on Assets/ return on assets (ROA), return on equity (ROE), net interest
ROA), laba terhadap ekuitas (Return on Equity/ROE), margin (NIM), operating expenses to operating income ratio
margin bunga bersih (Net Interest Margin/NIM), beban (BOPO), and the liabilities-to-assets ratio.
operasional terhadap pendapatan operasional (BOPO),
serta rasio liabilitas terhadap aset.
Pada tahun 2025, ROA tercatat sebesar 0,64%, ROE In 2025, ROA was recorded at 0.64%, ROE reached 3.97%,
mencapai 3,97%, NIM berada di angka 2,99%, BOPO NIM stood at 2.99%, BOPO at 93.28%, and the liabilities-to-
sebesar 93,28%, dan rasio liabilitas terhadap aset tercatat assets ratio was recorded at %.
sebesar %.
Sementara itu, pada tahun 2025, NPL Gross tercatat Meanwhile, in 2025, Gross NPL was recorded at 4.67%
sebesar4,67% dan NPL Net sebesar 1,89%, menurun and Net NPL at 1.89%, declining compared to the previous
dibandingkan dengan tahun sebelumnya yang masing- year's figures of 7.53% and 1.98%, respectively.
masing berada di angka 7,53% dan 1,98%.
No Rasio / Ratio 2025 2024
1. Kewajiban Penyediaan Modal Minimum (KPMM) / Minimum Capital Adequacy Requirement 36.73% 42,99%
(CAR)
2. Return On Asset (ROA) 0.64% 1,98%
3. Return on Equity (ROE) 3.97% 3,16%
4. NPL Gross 4.67% 7,53%
5. NPL Net 1.89% 1,98%
6. Net Interest Margin (NIM) 2.99% 3,51%
7. Biaya Operasional Terhadap Pendapatan Operasional (BOPO) / Operating Expenses to 93.28% 90,46%
Operating Income Ratio (BOPO)
8. Loan to Deposit Ratio (LDR) 76.24% 79,31%
9. Persentase Pelanggaran BMPK / Legal Lending Limit (LLL) Violation Percentage
I. Pihak Terkait / Related Parties 0,00% 0,00%
II. Pihak Tidak terkait / Non-Related Parties 0,00% 0,00%
Persentase Pelampauan BMPK / Legal Lending Limit (LLL) Excess Percentage
I. Pihak Terkait / Related Parties 0,00% 0,00%
II. Pihak Tidak terkait / Non-Related Parties 0,00% 0,00%
10. Posisi Devisa Neto (PDN) secara keseluruhan / Net Open Position (NOP) — Overall 0,00% 0,00%
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STRUKTUR MODAL CAPITAL STRUCTURE
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
Bank terus memperkuat komitmennya dalam menjaga The Bank continues to strengthen its commitment to
struktur permodalan yang sesuai dengan regulasi yang maintaining a capital structure that is in compliance with
berlaku serta ketentuan dari otoritas perbankan di Indonesia. prevailing regulations and the requirements of banking
Upaya ini juga didukung oleh Pemerintah Provinsi Banten authorities in Indonesia. This effort is also supported
sebagai pemegang saham utama. Sepanjang tahun 2025, by the Provincial Government of Banten as the majority
Bank tidak memiliki utang berbasis bunga maupun sukuk. shareholder. Throughout 2025, the Bank had no interest-
bearing debt or sukuk.
Per 31 Desember 2025, komposisi kepemilikan saham As of December 31, 2025, the composition of the Bank's
Bank adalah sebagai berikut: share ownership is as follows:
Jumlah Saham / Kepemilikan /
Pemegang Saham / Shareholder
Number of Shares Ownership
Pemerintah Provinsi Banten / Provincial Government of Banten 34.289.755.661 66,11%
Bank Pembangunan Daerah Jawa Timur Tbk 27.511.900 0,05%
Masyarakat (masing-masing di bawah 5%) / Public (each below 5%) 17.553.170.705 33,84%
Jumlah / Total 51.870.438.266 100,00%
Per 31 Desember 2025, modal inti Bank tercatat sebesar As of December 31, 2025, the Bank's core capital was
Rp1,4 triliun meningkat dibandingkan tahun 2024 yang recorded at Rp1.4 trillion, an increase compared to 2024's
mencapai Rp1,28 triliun (audited). Setelah menyelesaikan figure of Rp1.28 trillion (audited). Having successfully
dengan baik seluruh tahapan teknis di bulan November completed all technical stages in November 2025, the
2025, Otoritas Jasa Keuangan (OJK) sebagai regulator Financial Services Authority (OJK), as the banking
perbankan menutup seluruh proses Kelompok Usaha Bank regulator, concluded the entire Bank Business Group (KUB)
(KUB) antara Bank Banten dengan PT Bank Pembangunan process between Bank Banten and PT Bank Pembangunan
Daerah Jawa Timur Tbk (Bank Jatim) dengan menerbitkan Daerah Jawa Timur Tbk (Bank Jatim) by issuing the Letter
Surat Penegasan Persetujuan Efektif Struktur KUB pada of Confirmation of Effective Approval of the KUB Structure
tanggal 15 Desember 2025. on December 15, 2025.
Dalam juta Rupiah in millions of Rupiah
Pemegang Saham / Shareholders 2025 2024
Total Modal / Total Capital 1.460.816 1.307.159*
ATMR Risiko Kredit / RWA for Credit Risk 3.703.779 2.761.692*
ATMR Risiko Operasional / RWA for Operational Risk 272.933 278.888
ATMR Risiko Pasar / RWA for Market Risk 305,50 -
Modal Inti / Core Capital 1.415.692 1.274.849*
Modal Pelengkap / Supplementary Capital 45.123 32.310
Total Modal / Total Capital 1.460.816 1.307.159*
- Rasio Kewajiban Penyediaan Modal Minimum (KPMM) / Minimum Capital 36,73% 42,99%*
Adequacy Requirement Ratio (CAR)
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
- Dengan memperhitungkan risiko dan operasional / Including credit and 36,73% 42,99%
operational risk
- Rasio modal inti terhadap aset tertimbang menurut risiko / Core Capital Ratio 35,60% 41,93%
to Risk-Weighted Assets
*Disajikan kembali *Restated
2025 Annual Report & Sustainability Report 187
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KEBIJAKAN STRUKTUR MODAL CAPITAL STRUCTURE POLICY
Sebagai bentuk kepatuhan terhadap regulasi perbankan, As a form of compliance with banking regulations, the Bank
Bank terus berupaya mempertahankan struktur modal continues to strive to maintain a sound and optimal capital
yang sehat dan optimal. Selain itu, strategi pengelolaan structure. In addition, the capital management strategy is
permodalan juga difokuskan untuk mendukung also focused on supporting long-term growth and delivering
pertumbuhan jangka panjang dan memberikan nilai tambah added value to shareholders.
bagi para pemegang saham.
Kebijakan permodalan Bank diarahkan pada beberapa The Bank's capital policy is directed toward several key
aspek utama, yaitu: aspects, namely:
• Mengelola permodalan secara selaras dengan profil • Managing capital in alignment with the Company's risk
risiko Perseroan. profile.
• Mengantisipasi dan mendukung berbagai peluang • Anticipating and supporting various potential business
bisnis yang potensial. opportunities.
• Mengoptimalkan efisiensi dalam struktur modal. • Optimizing efficiency in the capital structure.
• Mempersiapkan langkah strategis terhadap perubahan • Preparing strategic measures in response to regulatory
regulasi yang dapat berdampak pada rasio permodalan. changes that may impact capital adequacy ratios.
IKATAN MATERIAL UNTUK INVESTASI MATERIAL COMMITMENTS FOR CAPITAL
BARANG MODAL EXPENDITURE
Dalam menjalankan aktivitas usaha di sepanjang tahun In carrying out its business activities throughout 2025, the
2025, Bank memiliki ikatan material investasi barang modal, Bank has material commitments for capital expenditure,
yang diungkapkan sebagai berikut: which are disclosed as follows:
INVESTASI BARANG MODAL CAPITAL EXPENDITURE
Pada tahun 2025, Bank melakukan investasi barang modal In 2025, the Bank made the following capital expenditures:
sebagai berikut:
(Dalam Rp Juta) (In Rp millions)
Perubahan (%) /
Uraian / Description 2025 2024
Change (%)
Tanah / Land 7.376 - -
Bangunan / Buildings 132.193 - -
Renovasi bangunan yang disewa / Leasehold Improvement 171.124 166.653 2,68%
Kendaraan / Vehicles 2.607 2.589 0,70%
Perlengkapan, Mesin, dan peralatan kantor / Office Equipment, Machine, 142.389 138.221 3,02%
and Furnitures
Aset dalam Pembangunan / Assets under Construction - 19 -
Aset sewa guna / Right of use of assets 34.870 40.002 (12,83%)
Jumlah / Total 490.558 347.483 41,11%
TRANSAKSI PIHAK BERELASI RELATED PARTY TRANSACTIONS
Berdasarkan Peraturan Bank Indonesia No. 7/3/PBI/2005 Pursuant to Bank Indonesia Regulation No. 7/3/PBI/2005
tanggal 20 Januari 2005 yang diubah dengan Peraturan dated January 20, 2005, as amended by Bank Indonesia
Bank Indonesia No. 8/13/PBI/2006 tanggal 5 Oktober 2006 Regulation No. 8/13/PBI/2006 dated October 5, 2006,
tentang Batas Maksimum Pemberian Kredit Bank Umum, concerning the Legal Lending Limit for Commercial Banks,
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pihak-pihak berelasi adalah perseorangan atau perusahaan/ related parties are individuals or companies/entities that
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
badan yang mempunyai hubungan pengendalian dengan have a controlling relationship with the Bank, either directly
Bank, baik secara langsung maupun tidak langsung, melalui or indirectly, through ownership, management, and/or
hubungan kepemilikan, kepengurusan, dan atau keuangan. financial relationships.
SIFAT HUBUNGAN PIHAK-PIHAK BERELASI NATURE OF RELATED PARTY RELATIONSHIPS
Sifat hubungan dengan pihak-pihak berelasi dan The nature of relationships with related parties and their
transaksinya adalah sebagai berikut: transactions is as follows:
Pihak Berelasi / Related Party Sifat Hubungan / Nature of Relationship Transaksi / Transaction
Pemerintah Provinsi Banten / Pemegang Saham pengendali Terakhir / Giro (Catatan 18) / Current Accounts (Note 18)
Provincial Government of Banten Ultimate Controlling Shareholder
PD BPR Serang Perusahaan afiliasi / Affiliated Company • Giro (Catatan 19) / Current Accounts (Note 19)
•- Deposito berjangka (Catatan 19) / Time Deposit
(Note 19)
PT. Banten Global Development Pemegang Saham / Shareholder Giro (Catatan 18) / Current Accounts (Note 18)
PT Jamkrida Banten Perusahaan Afiliasi / Affiliated Company Giro (Catatan 18) / Current Accounts (Note 18)
Direksi, Komisaris dan Pengurus / Management • Giro (Catatan 18) / Current Accounts (Note 18)
penjabat eksekutif / Directors, • Tabungan (Catatan 18) / Savings Account (Note
Commissioners, and Executive 18)
Officers • Deposito berjangka (Catatan 18) / Time Deposit
(Note 18)
• Modal saham (Catatan 22) / Share Capital (Note
22)
TRANSAKSI-TRANSAKSI DENGAN PIHAK-PIHAK TRANSACTIONS WITH RELATED PARTIES
BERELASI
Transaksi dan saldo yang signifikan dengan pihak- pihak The significant transactions and balances with related
berelasi adalah sebagai berikut: parties are as follows:
Uraian / Description 2025 2024
Liabilitas / Liabilities
Simpanan dari nasabah / Deposit from customers 21.915 460.399
Simpanan dari bank lain / Deposit from other banks 4.013 3.297
Jumlah / Total 25.928 463.696
Beban bunga / Interest expense 291 3.215
Giro Current Accounts
Pada tanggal 31 Desember 2025 dan 2024, persentase As of December 31, 2025 and 2024, the percentage of
rekening giro pihak berelasi dari jumlah rekening giro related party current accounts to total current accounts was
masing-masing sebesar 0,78%, dan 53,04%. Pada tanggal 0.78% and 53.04%, respectively. As of December 31, 2025
31 Desember 2025 dan 2024, tingkat bunga yang diberikan and 2024, the interest rates applied ranged at 1.80%.
adalah berkisar antara 1,80%.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Tabungan Savings Accounts
Pada tanggal 31 Desember 2025 dan 2024, persentase As of December 31, 2025 and 2024, the percentage of
tabungan pihak berelasi dari jumlah tabungan masing- related party savings accounts to total savings accounts
masing sebesar 0,11% dan 0,01%. Pada tanggal 31 was 0.11% and 0.01%, respectively. As of December 31,
Desember 2025 dan 2024, tingkat bunga yang diberikan 2025 and 2024, the interest rates applied ranged from 0% –
adalah masing-masing sebesar 0% - 0,96% dan 0% -5,50%. 0.96% and 0% – 5.50%, respectively.
2025 Annual Report & Sustainability Report 189
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Deposito Berjangka Time Deposits
Pada tanggal 31 Desember 2025 dan 2024, persentase As of December 31, 2025 and 2024, the percentage of
deposito berjangka pihak berelasi dari jumlah deposito related party time deposits to total time deposits was 0.40%
berjangka masing-masing sebesar 0,40% dan 0,72%. and 0.72%, respectively. As of December 31, 2025 and
Pada tanggal 31 Desember 2025 dan 2024, tingkat bunga 2024, the interest rates applied ranged from 2.75% – 8.00%
yang diberikan berkisar antara 2,75% - 8,00% dan 2,75% and 2.75% – 9.25%, respectively.
- 9,25%.
Pada tanggal 31 Desember 2025 dan 2024, tidak ada As of December 31, 2025 and 2024, no compensation was
kompensasi yang diberikan kepada masing-masing anggota provided to any individual member or group of the Board of
atau kelompok Direksi, Komisaris, Pemegang Saham Directors, Board of Commissioners, Principal Shareholders
Utama yang juga sebagai karyawan, dan manajemen kunci who are also employees, or other key management
lainnya. personnel.
Benturan Kepentingan Conflict of Interest
Sesuai Peraturan Otoritas Jasa Keuangan Nomor 42/ In accordance with Financial Services Authority Regulation
POJK.04/2020 tentang Transaksi Afiliasi dan Transaksi Number 42/POJK.04/2020 concerning Affiliated
Benturan Kepentingan, Benturan Kepentingan adalah Transactions and Conflict of Interest Transactions, a Conflict
perbedaan antara kepentingan ekonomis perusahaan of Interest is defined as a difference between the economic
terbuka dengan kepentingan ekonomis pribadi anggota interests of a public company and the personal economic
direksi, anggota dewan komisaris, pemegang saham interests of members of the board of directors, members
utama, atau Pengendali yang dapat merugikan perusahaan of the board of commissioners, principal shareholders, or
terbuka dimaksud. Controllers, which may be detrimental to the said public
company.
Potensi benturan kepentingan dapat dialami oleh Direksi Potential conflicts of interest may be experienced by the
dan Dewan Komisaris dalam menjalankan aktivitas usaha Board of Directors and Board of Commissioners in carrying
Bank. Oleh karena itu Bank telah mengatur Pedoman out the Bank's business activities. Therefore, the Bank has
Penanganan Transaksi Keuangan yang Mengandung established Guidelines for Handling Financial Transactions
Benturan Kepentingan, melalui Surat Keputusan Direksi Containing Conflicts of Interest, through Board of Directors
No. 514/ SK/DIR-BB/IX/2021 tanggal 29 September 2021. Decree No. 514/SK/DIR-BB/IX/2021 dated September 29,
2021.
Salah satu upaya untuk menghindari terjadinya benturan One of the measures to prevent conflicts of interest is that
kepentingan adalah semua pihak baik karyawan, Direksi all parties — including employees, the Board of Directors,
dan Dewan Komisaris harus mematuhi kode etik yang and the Board of Commissioners — must comply with the
telah ditetapkan dan menghindari kegiatan yang dapat established Code of Conduct and avoid activities that may
menyebabkan benturan kepentingan. Dalam hal terjadi give rise to conflicts of interest. In the event that a conflict
benturan kepentingan, maka anggota Dewan Komisaris, of interest arises, members of the Board of Commissioners,
Direksi dan Pejabat Eksekutif dilarang mengambil tindakan Board of Directors, and Executive Officers are prohibited
yang dapat merugikan atau mengurangi keuntungan Bank from taking any action that may be detrimental to or reduce
dan wajib mengungkapkan benturan kepentingan dalam the Bank's profits, and are required to disclose the conflict
setiap keputusan. of interest in every decision.
Selama tahun 2025 tidak terdapat transaksi yang memenuhi Throughout 2025, there were no transactions that met the
kategori transaksi benturan kepentingan criteria of a conflict of interest transaction.
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INFORMASI MATERIAL MENGENAI MATERIAL INFORMATION REGARDING
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
INVESTASI, EKSPANSI, DIVESTASI, INVESTMENT, EXPANSION, DIVESTMENT,
PENGGABUNGAN/PELEBURAN USAHA, MERGER/CONSOLIDATION, ACQUISITION,
AKUISISI, DAN RESTRUKTURISASI UTANG/ AND DEBT/CAPITAL RESTRUCTURING
MODAL
Hingga 31 Desember 2025, Perusahaan tidak As of December 31, 2025, the Company did not undertake
melakukan aktivitas terkait Investasi, Ekspansi, any activities related to Investment, Expansion, Divestment,
Divestasi, Penggabungan/Peleburan Usaha, Akuisisi, Merger/Consolidation, Acquisition, or Debt/Capital
dan Restrukturisasi Utang/Modal. Namun Bank Banten Restructuring. However, Bank Banten entered into an Asset
melakukan kerja sama Asset Buy. Purchase cooperation arrangement.
Sebagai salah satu Strategi dalam akselerasi pertumbuhan As one of the strategies to accelerate business growth,
Bisnis, Bank melaksanakan Pembelian portofolio Aset the Bank carried out the purchase of a Consumptive/
Kredit Konsumtif/Multiguna melalui Kerjasama Perjanjian Multipurpose Credit Asset portfolio through a Receivables
Jual Beli Piutang dengan Bank BJB berdasarkan Perjanjian Sale and Purchase Agreement with Bank BJB, based
Kredit No. 34 Tanggal 28 Agustus 2025 dengan nilai on Credit Agreement No. 34 dated August 28, 2025,
sebesar Rp. 1 Trilun dengan Jangka Waktu Penarikan 12 with a value of Rp1 trillion and a drawdown period of 12
Bulan sejak tanggal Perjanjian Kredit, adapun terhadap months from the date of the Credit Agreement. Under this
Kerjasama tersebut telah dilakukan penarikan sebanyak 3 cooperation, 3 withdrawals have been made, with details
kali dengan rincian sebagai berikut: as follows:
Nominal Penarikan (Rp) /
Tahap / Phase NoA Tanggal / Date
Withdrawal Amount (Rp)
1 107.753.482.160 1.082 30/09/2025
2 95.229.044.111 1.069 24/10/2025
3 323.215.133.218 3.022 19/12/2025
Total 526.197.659.489 5.173
PERUBAHAN KETENTUAN PERATURAN CHANGES IN LAWS AND REGULATIONS
PERUNDANG-UNDANGAN YANG WITH SIGNIFICANT IMPACT ON THE
BERPENGARUH SIGNIFIKAN TERHADAP COMPANY
PERUSAHAAN
Sebagai bentuk implementasi fungsi Kepatuhan, Bank As a form of implementation of the Compliance function,
Banten berkomitmen untuk mematuhi ketentuan peraturan Bank Banten is committed to complying with the provisions
perundang-undangan yang berlaku serta relevan dengan of applicable laws and regulations relevant to the Bank’s
kegiatan usaha Bank. Komitmen tersebut diwujudkan business activities. This commitment is realized through
melalui berbagai upaya, antara lain dengan melakukan various efforts, including by conducting regular monitoring,
pemantauan, evaluasi, serta kajian secara berkala terhadap evaluation, and review of regulatory developments that have
perkembangan regulasi yang berpotensi mempengaruhi the potential to affect the Bank’s business and operational
aktivitas bisnis dan operasional Bank. activities.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Dalam rangka memastikan kesesuaian kebijakan dan In order to ensure the conformity of policies and business
proses bisnis dengan ketentuan yang berlaku, Bank Banten processes with applicable provisions, Bank Banten actively
secara aktif mengidentifikasi dan menganalisis perubahan identifies and analyzes regulatory changes issued by
regulasi yang diterbitkan oleh otoritas terkait, dimana relevant authorities, where this step is taken to ensure
langkah ini dilakukan untuk memastikan bahwa setiap that any changes in provisions can be responded to
perubahan ketentuan dapat direspons secara tepat melalui appropriately through adjustments to internal policies,
penyesuaian kebijakan internal, prosedur operasional, operational procedures, and relevant business strategies.
maupun strategi bisnis yang relevan.
2025 Annual Report & Sustainability Report 191
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Atas perubahan dan pemberlakuan peraturan otoritas Regarding changes and implementation of authority
selama tahun 2024-2025, yang dinilai memiliki dampak regulations during 2024-2025, which are considered to
signifikan terhadap aktivitas kegiatan usaha Bank, have a significant impact on the Bank’s business activities,
sebagaimana dijelaskan pada tabel berikut: as explained in the following table:
No Pengaturan / Arrangement Dampak Terhadap Bank Banten / Impacts on Bank Banten
1 Undang-Undang No. 27 Tahun 2022 1) Bank Banten telah menyusun Kebijakan Pelindungan Data Pribadi, ditetapkan melalui Surat
tentang Pelindungan Data Pribadi Keputusan Direksi No. 1135/SK/DIR-BB/X/2024 tanggal 16 Oktober 2024; / Bank Banten has
/ Law No. 27 of 2022 concerning developed a Personal Data Protection Policy, stipulated through Board of Directors’ Decree No. 1135/
Personal Data Protection SK/DIR-BB/X/2024 dated October 16, 2024;
2) Telah dibentuk Tim Pelindungan Data Pribadi yang berfungsi untuk memastikan keseluruhan upaya
untuk melindungi data pribadi dalam rangkaian pemroses data pribadi sesuai dengan Undang-Undang
No. 27 Tahun 2022 tentang Pelindungan Data Pribadi, dan dapat terimplementasi. / A Personal Data
Protection Team has been established to ensure that all efforts to protect personal data within the
personal data processing chain comply with Law No. 27 of 2022 concerning Personal Data Protection,
and are implemented.
3) Pelaksanaan Awareness Training: / Awareness Training Implementation:
• Telah dilakukan awareness training UU Pelindungan Data Pribadi kepada Tim Implementasi PDP
dan perwakilan dari setiap unit kerja di Kantor Pusat; / Awareness training on the Personal Data
Protection Law has been conducted for the PDP Implementation Team and representatives from
each work unit at Head Office;
• Sosialisasi Pelindungan Data Pribadi dan Campaign kepada karyawan untuk menanamkan
pentingnya menjaga data pribadi / Dissemination of Personal Data Protection
2 • POJK No. 17 Tahun 2023 tentang Bank telah menindaklanjuti : / The Bank has followed up on:
Penerapan Tata Kelola Bank 1) Penyesuaian atas Ketentuan Internal yang terdampak, antara lain: / Adjustments to the affected
Umum / POJK No. 17 of 2023 Internal Provisions, including:
concerning the Implementation of • Kebijakan Tata Kelola, ditetapkan melalui Surat Keputusan Direksi No. 411/SK/DIR-BB/XII/2025
Governance for Commercial Banks tanggal 30 Desember 2025; / Governance Policy, stipulated through the Board of Directors’ Decree
• SEOJK Tata Kelola No. 14/ No. 411/SK/DIR-BB/XII/2025 dated December 30, 2025;
SEOJK.03/2025 tentang • SOP Laporan Pelaksanaan Tata Kelola, ditetapkan melalui Surat Keputusan Direksi No. 412/SK/
Penerapan Tata Kelola Bagi DIR-BB/XII/2025 tanggal 30 Desember 2025; / SOP for Governance Implementation Reports,
Bank Umum / SEOJK No. 14/ stipulated through the Board of Directors’ Decree No. 412/SK/DIR-BB/XII/2025 dated December
SEOJK.03/2025 concerning the 30, 2025;
Implementation of Governance for • Pedoman dan Tata Tertib Kerja Dewan Komisaris, ditetapkan melalui Surat Keputusan Dewan
Commercial Banks Komisaris No. 002/SK/KOM-BB/VI/2024 tanggal 10 Juni 2024; / Guidelines and Work Procedures
for the Board of Commissioners, stipulated through the Board of Commissioners’ Decree No. 002/
SK/KOM-BB/VI/2024 dated June 10, 2024;
• Pedoman dan Tata Tertib Kerja Direksi, ditetapkan melalui Surat Keputusan Direksi No. 2007/SK/
DIR-BB/XI/2024 tanggal 26 November 2024; / Guidelines and Work Procedures for the Board of
Directors, stipulated through the Board of Directors’ Decree No. 2007/SK/DIR-BB/XI/2024 dated
November 26, 2024;
• SOP Nominasi Dewan Komisaris dan Direksi, ditetapkan melalui Surat Keputusan Direksi No.
416/SK/DIR-BB/XII/2025 tanggal 31 Desember 2025; / SOP for Nomination of the Board of
Commissioners and Directors, stipulated through the Board of Directors’ Decree No. 416/SK/DIR-
BB/XII/2025 dated December 31, 2025;
• Pedoman dan Tata Tertib Kerja Komite dibawah Dewan Komisaris dan Komite dibawah Direksi.
/ Guidelines and Work Procedures for Committees under the Board of Commissioners and
Committees under the Board of Directors.
2) Penilaian Sendiri (self assessment) Penerapan Tata Kelola Bank Tahun 2025 yang telah mengacu
pada Surat Edaran OJK terkini. / Self-assessment of the Implementation of Bank Governance in 2025,
which refers to the latest OJK Circular Letter.
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No Pengaturan / Arrangement Dampak Terhadap Bank Banten / Impacts on Bank Banten
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
3 • POJK No. 22 Tahun 2023 1) Bank telah menyesuaikan Ketentuan Internal, antara lain: / The Bank has adjusted its Internal
tentang Pelindungan Konsumen Provisions, including:
dan Masyarakat di Sektor Jasa • Kebijakan Pelindungan Nasabah, ditetapkan melalui Surat Keputusan Direksi No.1130/SK/DIR-
Keuangan; / POJK No. 22 of BB/X/2024 tanggal 10 Oktober 2024; / Customer Protection Policy, established through the Board
2023 concerning Consumer and of Directors’ Decree No. 1130/SK/DIRBB/X/2024 dated October 10, 2024;
Public Protection in the Financial • SOP Layanan Pengaduan Nasabah, ditetapkan melalui Surat Keputusan Direksi No. 016/SK/DIR-
Services Sector; BB/I/2025 tanggal 16 Januari 2025; / Customer Complaints Service SOP, established through the
• SEOJK 18/SEOJK.08/2024 Board of Directors’ Decree No. 016/SK/DIRBB/I/2025 dated January 16, 2025;
tentang Penilaian Sendiri • SOP Literasi Keuangan dan Inklusi Keuangan, ditetapkan melalui Surat Keputusan Direksi No.
Terhadap Pemenuhan Ketentuan 346/SK/DIR-BB/X/2025 tanggal 30 Oktober 2025. / Financial Literacy and Financial Inclusion SOP,
Pelindungan Konsumen Dan established through the Board of Directors’ Decree No. 346/SK/DIR-BB/X/2025 dated October 30,
Masyarakat Di Sektor Jasa 2025.
Keuangan; / SEOJK 18/ 2) Menyesuaikan Struktur Organisasi Bank, dengan dibentuknya Unit Pelindungan Nasabah pada Divisi
SEOJK.08/2024 concerning Self- Operasional, yang memiliki fungsi sebagai koordinator atas pelaksanaan/implementasi Pelindungan
Assessment of Compliance with Nasabah di Bank Banten. / Adjusting the Bank’s Organizational Structure by establishing a Customer
Consumer and Public Protection Protection Unit within the Operations Division, which functions as a coordinator for the implementation
Provisions in the Financial of Customer Protection at Bank Banten.
Services Sector;
• SEOJK 20/SEOJK.08/2025
tentang Publikasi Penanganan
Pengaduan dan Laporan
Layanan Pengaduan. / SEOJK
20/SEOJK.08/2025 concerning
Publication of Complaint Handling
and Complaint Service Reports.
4 POJK No. 21 Tahun 2023 tentang Bank telah menyesuaikan melakukan penyesuaian Kebijakan Layanan Perbankan Elektronik menjadi
Layanan Digital Oleh Bank Umum Kebijakan Layanan Perbankan Digital yang ditetapkan melalui Surat Keputusan Direksi No. 364/SK/
/ POJK No. 21 of 2023 concerning DIRBB/XI/2025 tanggal 14 November 2025. / The Bank has adjusted the Electronic Banking Services
Digital Services by Commercial Policy to the Digital Banking Services Policy as stipulated in the Board of Directors’ Decree No. 364/SK/
Banks DIRBB/XI/2025 dated November 14, 2025.
5 POJK 12 Tahun 2024 tentang Bank telah melakukan penyesuaian Kebijakan dan Prosedur, melalui: / The Bank has adjusted its
Penerapan Strategi Anti Fraud Policies and Procedures through:
Bagi Lembaga Jasa Keuangan • Kebijakan Strategi Anti Fraud yang ditetapkan melalui Surat Keputusan Direksi No. 1134/SK/DIR-
/ POJK 12 of 2024 concerning BB/X/2024 tanggal 15 Oktober 2024; / Anti-Fraud Strategy Policy established through the Board of
the Implementation of Anti-Fraud Directors’ Decree No. 1134/SK/DIRBB/X/2024 dated October 15, 2024;
Strategies for Financial Services • SOP Pengendalian Anti Fraud yang ditetapkan melalui Surat Keputusan Direksi No. 1985/SK/
Institutions DIR-BB/X/2024 tanggal 29 Oktober 2024. / Anti-Fraud Control Standard Operating Procedures
established through the Board of Directors’ Decree No. 1985/SK/DIRBB/X/2024 dated October 29,
2024.
6 POJK No 15 Tahun 2024 tentang 1) Bank telah menyusun Kebijakan Pengendalian Internal Pelaporan Keuangan Bank, ditetapkan melalui
Integritas Pelaporan Keuangan Bank Surat Keputusan Direksi No. 006/SK/DIR-BB/I/2025 tanggal 07 Januari 2025; / The Bank has prepared
/ POJK No. 15 of 2024 concerning an Internal Control Policy for Bank Financial Reporting, stipulated through the Board of Directors’
the Integrity of Bank Financial Decree No. 006/SK/DIR-BB/I/2025 dated January 7, 2025;
Reporting 2) Menyesuaikan Struktur Organisasi Bank, dengan dibentuk Unit Kerja Khusus (UKK) Pengendalian
Internal Pelaporan yang bertanggung jawab kepada Direktur Kepatuhan, dimana UKK ini sebagai
koordinator pelaksana dalam penerapan pengendalian internal dalam proses pelaporan keuangan
guna mencegah terjadinya kecurangan dan/atau manipulasi atas penyampaian informasi keuangan
dan/atau laporan keuangan Bank. / Adjusting the Bank’s Organizational Structure, by establishing
a Special Work Unit (UKK) for Internal Reporting Control which is responsible to the Director of
Compliance, where this UKK is the implementing coordinator in implementing internal control in the
financial reporting process to prevent fraud and/or manipulation in the delivery of financial information
and/or the Bank’s financial reports.
7 POJK No 24 Tahun 2025 tentang Bank telah menindaklanjut kepada pihak Penyedia Jasa TI (Core banking System) untuk menyesuaikan
Pengelolaan Rekening Pada Bank parameter dan flagging terhadap rekening tidak aktif dan dormant sebagaimana yang diatur dalam POJK
Umum / POJK No. 24 of 2025 Pengelolaan Rekening pada Bank Umum. / The Bank has followed up with the IT Service Provider (Core
concerning Account Management at Banking System) to adjust the parameters and flagging of inactive and dormant accounts as regulated in
Commercial Banks the POJK on Account Management in Commercial Banks.
PERUBAHAN KEBIJAKAN AKUNTANSI CHANGES IN ACCOUNTING POLICIES
Sepanjang tahun 2025, tidak terdapat adanya perubahan Throughout 2025, there were no changes in accounting
kebijakan akuntansi yang dapat berpengaruh signifikan policies that could have a significant impact on the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
terhadap aktivitas bisnis Perusahaan. Company's business activities.
PERISTIWA SETELAH PERIODE EVENTS AFTER THE REPORTING PERIOD
PELAPORAN
Sampai 31 Desember 2025, terdapat beberapa fakta As of December 31, 2025, there were several material
material yang terjadi setelah tanggal laporan akuntan, di facts that occurred after the date of the accountant's report,
antaranya : among others:
2025 Annual Report & Sustainability Report 193
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1. Berdasarkan surat keterangan No: 04/NOT-PE/I/2026, 1. Based on Certificate No. 04/NOT-PE/I/2026 from
dari Periasman Effendi, SH notaris di tanggerang tanggal Periasman Effendi, SH, Notary in Tangerang, dated
21 Januari 2026, telah diadakan Rapat Pemegang January 21, 2026, an Extraordinary General Meeting
Saham Luar Biasa (RUPSLB) PT Bank Pembangunan of Shareholders (EGMS) of PT Bank Pembangunan
Daerah Banten (Perseroda), Tbk, memutuskan : Daerah Banten (Perseroda), Tbk was held, resolving to:
• Menyetujui pengunduran diri Tuan Bambang ∙ Approve the resignation of Mr. Bambang Widyatmoko,
Widyatmoko, S.E dari jabatannya selaku Direktur S.E. from his position as Business Director of the
Bisnis Perseroan. Company.
• Menyetujui pemberhentian dengan hormat Tuan ∙ Approve the honorable dismissal of Mr. Rodi Judo
Rodi Judo Dahono selaku Direktur Operasional Dahono as Operations Director of the Company.
Perseroan
• Menyetujui pengangkatan Tuan Deden Apriandhi ∙ Approve the appointment of Mr. Deden Apriandhi as
sebagai Komisaris Perseroan Commissioner of the Company.
• Menyetujui pengangkatan Tuan Slamet Riyadi ∙ Approve the appointment of Mr. Slamet Riyadi as
sebagai Direktur Bisnis Perseroan dan Tuan Purbaji Business Director of the Company and Mr. Purbaji
Basuki sebagai Direktur Operasional Perseroan. Basuki as Operations Director of the Company.
2. Pada tanggal 7 Januari 2026, atas transaksi aset repo 2. On January 7, 2026, the repo asset transaction for
periode 31 Desember 2025 sudah di cairkan dan the period of December 31, 2025 was disbursed and
diterima oleh bank. received by the Bank.
TARGET & REALISASI TAHUN 2025 SERTA TARGETS AND REALIZATIONS FOR 2025
PROYEKSI TAHUN 2026 AND PROJECTIONS FOR 2026
2025 Proyeksi 2026 /
Indikator / Indicator
Target Realisasi / Realization 2026 Projections
Rasio KPMM / CAR 40.60% 36.73% 36.26%
ROE 3.10% 3.97% 0.59%
ROA 0.50% 0.64% 0.82%
NIM 3.41% 2.99% 3.73%
BOPO 93.87% 93.28% 89.01%
NPL Gross 5.53% 4.67% 3.50%
NPL Net 1.47% 1.89% 0.09%
LDR 90.00% 76.24% 90.00%
DIVIDEN DAN KEBIJAKAN DIVIDEN DIVIDENDS AND DIVIDEND POLICY
Mengacu pada Undang-Undang No. 40 Tahun 2007 tentang Referring to Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas serta Anggaran Dasar Perseroan, Companies and the Company's Articles of Association,
distribusi dividen hanya dapat dilakukan sesuai dengan dividend distribution may only be made in accordance with
kondisi keuangan Perseroan dan/atau apabila terdapat the Company's financial condition and/or when a positive
saldo laba positif. Keputusan mengenai pembagian dividen retained earnings balance exists. Decisions regarding
harus terlebih dahulu mendapatkan persetujuan melalui dividend distribution must first obtain approval through the
Rapat Umum Pemegang Saham Tahunan (RUPST), yang Annual General Meeting of Shareholders (AGMS), which
memiliki wewenang untuk menentukan serta menyetujui has the authority to determine and approve the allocation
alokasi dividen tersebut. of such dividends.
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Dalam hal Perseroan berencana membagikan dividen, In the event that the Company plans to distribute dividends,
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
berbagai faktor utama akan dipertimbangkan, termasuk various key factors will be considered, including the Bank's
tingkat kesehatan keuangan Bank. Perseroan memastikan financial health. The Company ensures that such decisions
bahwa keputusan ini tidak melanggar regulasi yang do not violate prevailing regulations and are not in conflict
berlaku serta tidak bertentangan dengan kewajiban dalam with obligations under existing agreements.
perjanjian yang telah disepakati.
Para pemegang saham baru yang berasal dari Penawaran New shareholders arising from this Public Offering have
Umum ini mempunyai hak yang sama dan sederajat dalam equal and equivalent rights in all respects to the existing
segala hal dengan pemegang saham lama Perseroan shareholders of the Company, including the right to
termasuk hak atas pembagian dividen sesuai dengan dividend distributions in accordance with the provisions of
ketentuan Anggaran Dasar Perseroan dan peraturan the Company's Articles of Association and applicable laws
perundang-undangan yang berlaku. Dividen yang diterima and regulations. Dividends received by non-Indonesian
oleh pemegang saham non Warga Negara Indonesia (WNI) citizen shareholders will be subject to tax in accordance
akan dikenakan pajak sesuai dengan peraturan yang with prevailing regulations in Indonesia.
berlaku di Indonesia.
Perseroan tidak memiliki kebijakan terkait pembayaran The Company does not have a specific policy regarding
dividen dimana keputusan pembagian dividen diatur dalam dividend payments, as decisions on dividend distribution
Anggaran Dasar dengan memperhatikan kemampuan are governed by the Articles of Association, taking into
dan skala prioritas dalam upaya peningkatan kinerja account the Company's capacity and scale of priorities in
Perseroan. Pembagian dividen juga dilaksanakan dengan its efforts to improve performance. Dividend distribution is
turut memperhatikan ketentuan bahwa pembagian dividen also carried out with due regard to the provision that such
tidak mengakibatkan terjadinya pelanggaran ketentuan distribution does not result in a violation of applicable laws
perundangan yang berlaku dan kewajiban Perseroan and regulations or the Company's obligations under existing
berdasarkan perjanjian-perjanjian yang ada, kecuali agreements, unless otherwise determined by the General
ditentukan lain oleh Rapat Umum Pemegang Saham Meeting of Shareholders of the Company. There are no
Perseroan. Tidak terdapat pembatasan-pembatasan negative covenants that are detrimental to shareholders in
(negative covenants) yang merugikan pemegang saham connection with third-party restrictions on the Company's
sehubungan dengan pembatasan pihak ketiga dalam dividend distribution. The Company has been distributing
rangka pembagian dividen Perseroan. Perseroan dividends since the fiscal year 2000.
melakukan pembagian dividen sejak tahun buku 2000.
Informasi mengenai pelaksanaan pembagian dividen Information regarding the Company's dividend distribution
Perseroan sejak Penawaran Umum sampai saat ini adalah since the Public Offering to date is as follows:
sebagai berikut :
Dividen Tunai Per
Tahun Buku / Jumlah Laba Bersih (Rp Juta) / Jumlah Dividen (Rp Juta) / Saham (Rp) / Cash
No
Fiscal Year Total Net Profit (Rp Million) Total Dividend (Rp Milliion) Dividend Per Share
(Rp)
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
1 2000 23.667 7.100 9,25
2 2002 12.667 3.800 4,99
3 2003 42.667 12.800 16,53
2025 Annual Report & Sustainability Report 195
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Perseroan tidak melaksanakan pembagian dividen pada The Company did not distribute dividends for the fiscal years
tahun buku 2001, 2004, 2005, 2006, 2008, 2009, 2010, 2001, 2004, 2005, 2006, 2008, 2009, 2010, 2011, 2014,
2011, 2014, 2015, 2016, 2017, 2018, 2019 dan 2020. 2015, 2016, 2017, 2018, 2019, and 2020. This was due to
Hal ini disebabkan oleh kinerja Perseroan dalam posisi the Company being in a loss position during those years,
rugi, sedangkan tahun 2007, 2012 dan 2013 Perseroan while in 2007, 2012, and 2013 the Company recorded a
mencatatkan laba, namun Perseroan tidak melakukan profit, but chose not to distribute dividends with the aim of
pembagian dividen dengan tujuan untuk memperkuat strengthening the Company's capital structure. In 2025, the
struktur modal Perseroan. Meskipun Perseroan telah Company recorded a profit, and the plan for the utilization
membukukan laba positif pada tahun 2025 namun of the 2025 profit is subject to the authority of the General
Perseroan tidak melakukan pembagian deviden dengan Meeting of Shareholders (GMS).
tujuan untuk memperkuat struktur permodalan Perseroan.
KONTRIBUSI TERHADAP NEGARA CONTRIBUTION TO THE STATE
Perusahaan berkomitmen dalam menjalankan hak dan The Company is committed to fulfilling its rights and
kewajibannya sebagai wajib pajak dengan mematuhi obligations as a taxpayer by complying with applicable tax
peraturan dan perundang-undangan perpajakan yang laws and regulations. In 2025, the Company realized tax
berlaku. Pada tahun 2025, Perusahaan merealisasikan payments totaling Rp13.06 billion.
pembayaran pajak masing-masing sebesar Rp13,06 miliar.
Berikut adalah rincian pembayaran pajak yang disetorkan The following is a breakdown of tax payments remitted by
Perusahaan kepada negara di tahun 2025. the Company to the state in 2025:
2025 2024
Uraian / Description
(Rp-Juta / Rp-Million) (Rp-Juta / Rp-Million)
Pajak Penghasilan / Income Tax
Pasal 4 (2) / Article 4 (2) 5.762 3.498
Pasal 21 / Article 21 194 244
Pasal 23 / Article 23 90 158
PPN / VAT 21 83
Pasal 26 / Article 26 13 -
Pajak BPHTB / Land and Building Acquisition Tax 6.979 -
Jumlah / Total 13.060 3.982
PROGRAM KEPEMILIKAN SAHAM OLEH EMPLOYEE SHARE OWNERSHIP
KARYAWAN PROGRAM
Hingga 31 Desember 2025, Bank Banten tidak memiliki As of December 31, 2025, Bank Banten does not have an
program kepemilikan saham untuk karyawan. employee share ownership program.
196 Laporan Tahunan & Laporan Keberlanjutan 2025
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PENGGUNAAN DANA HASIL PENAWARAN USE OF PROCEEDS FROM PUBLIC
Analisis dan Pembahasan Manajemen ∙ Management Discussion and Analysis
UMUM OFFERINGS
Penawaran Umum Public Offerings
Nilai Realisasi Penawaran Umum /
Realized Public Offering Value
Jenis Penawaran Umum / Type Tanggal Efektif / Jumlah Hasil
No
of Public Offering Effective Date Penawaran Umum Biaya Penawaran Hasil Bersih /
/ Total Offering Umum / Offering Costs Net Proceeds
Proceeds
Penawaran Umum dengan 8 Desember 2020 / 1.871.570.045.700 4.213.577.800 1.867.356.467.900
1 HMETD VI / Rights Issue VI December 8, 2020
(HMETD VI)
Penawaran Umum dengan 30 Desember 2021 / 618.163.262.178 3.566.606.770 614.596.655.408
2 HMETD Vil / Rights Issue VII December 30, 2021
(HMETD VII)
Rencana Penggunaan Dana Plan for Use of Proceeds
Perbaikan Struktur
Keuangan/
Pengembangan
Jenis Penawaran Umum / Tanggal Efektif / Penyaluran Kredit / Teknologi /
No Total
Type of Public Offering Effective Date Loan Disbursement Financial Structure
Improvement/
Technology
Development
1 Penawaran Umum dengan 8 Desember 2020 / 1.756.631.704.135 110.724.763.765 1.867.356.467.900
HMETD VI / Rights Issue VI December 8, 2020
(HMETD VI)
2 Penawaran Umum dengan 30 Desember 2021 / 399.487.826.015 215.108.829.393 614.596.655.408
HMETD Vil / Rights Issue VII December 30, 2021
(HMETD VII)
Realisasi Penggunaan Dana Plan for Use of Proceeds
Perbaikan Struktur
Keuangan/
Pengembangan
Jenis Penawaran Umum / Type Tanggal Efektif / Penyaluran Kredit / Teknologi /
No Total
of Public Offering Effective Date Loan Disbursement Financial Structure
Improvement/
Technology
Development
Penawaran Umum dengan 8 Desember 2020 / 1.756.631.704.135 110.724.763.765 1.867.356.467.900
1 HMETD VI / Rights Issue VI December 8, 2020
(HMETD VI)
Penawaran Umum dengan 30 September 2021 / 399.487.826.015 26.295.625.499 425.783.451.514
2 HMETD Vil / Rights Issue VII September 30, 2021
(HMETD VII)
Sisa Dana Hasil Penawaran Umum Realization of Use of Proceeds
Dana Yang Telah
Jenis Penawaran Umum / Tanggal Efektif / Hasil Bersih / Sisa Dana /
No Digunakan / Funds
Type of Public Offering Effective Date Net Value Remaining Funds
That Have Been Used
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
1 Penawaran Umum dengan 8 Desember 2020 / 1.867.356.467.900 1.867.356.467.900 0
HMETD VI / Rights Issue VI December 8, 2020
(HMETD VI)
2 Penawaran Umum dengan 30 Desember 2021 / 614.596.655.408 425.783.351.514 188.813.203.894
HMETD Vil / Rights Issue VII December 30, 2021
(HMETD VII)
2025 Annual Report & Sustainability Report 197
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LAPORAN TAHUNAN & KEBERLANJUTAN 20 ANNUAL REPORT & SUSTAINABILITY REPORT 25
Page 201
06
Tata Kelola
Perusahaan
yang Baik
Good Corporate Governance
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
Page 202
Tata Kelola
Perusahaan yang Baik
Good Corporate Governance
KOMITMEN PENERAPAN TATA KELOLA
PERUSAHAAN
Dalam menjalankan Tata Kelola Perusahaan, Bank
Banten selalu berpedoman pada peraturan yang berlaku.
Penerapan dan penegakan prinsip-prinsip tata kelola
perusahaan yang baik atau Good Corporate Governance
(GCG) merupakan suatu kerangka kerja yang harus
dijalankan untuk mendorong kinerja yang baik dalam
kegiatan bisnis Bank.
COMMITMENT TO GOOD CORPORATE
GOVERNANCE IMPLEMENTATION
In conducting its Good Corporate Governance, Bank
Banten always adheres to prevailing regulations. The
implementation and enforcement of Good Corporate
Governance (GCG) principles constitute a framework that
must be applied to promote sound performance in the
Bank's business activities. Direksi bersama jajaran Manajemen
Bank bertugas untuk mengelola,
mengendalikan, serta bertanggung
jawab atas pelaksanaan Tata Kelola
di Bank Banten.
The Board of Directors together with
the Bank's Management are tasked
with managing, controlling, and being
responsible for the implementation of
Governance at Bank Banten.
200 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Bank Banten berkomitmen untuk mengimplementasikan Bank Banten is committed to implementing governance
tata kelola secara konsisten dan berkelanjutan dalam consistently and sustainably in conducting its business
menjalankan kegiatan usahanya dengan berlandaskan activities, based on GCG principles aligned with best
prinsip-prinsip GCG dengan praktik terbaik/ best practices practices and applicable laws and regulations. Bank Banten
serta peraturan perundang-undangan yang berlaku. firmly believes that the implementation of good governance
Penerapan tata kelola yang baik sangat diyakini oleh will bring about positive improvements in achieving the
Bank Banten akan membawa perbaikan yang berdampak Bank's vision, mission, and objectives, as well as delivering
positif untuk mencapai visi, misi, dan tujuan Bank serta added value to shareholders and other stakeholders.
memberikan nilai tambah bagi pemegang saham dan
pemangku kepentingan lainnya.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank Banten juga menjadikan GCG sebagai landasan yang Bank Banten also regards GCG as an important foundation
penting dalam menciptakan pertumbuhan usaha secara for creating sustainable business growth, through the
berkelanjutan, melalui penguatan struktur dan mekanisme strengthening of GCG structures and mechanisms, as
GCG serta menerapkan nilai-nilai budaya perusahaan, well as the application of corporate culture values, namely
yaitu Think Different, Reliable, Universe, Sustainable dan Think Different, Reliable, Universe, Sustainable, and Track
Track (TRUST). (TRUST).
2025 Annual Report & Sustainability Report 201
Page 204
PEDOMAN PENERAPAN TATA KELOLA GUIDELINES FOR GOOD CORPORATE
PERUSAHAAN GOVERNANCE IMPLEMENTATION
Dalam menerapkan Tata Kelola Perusahaan, Bank Banten In implementing Corporate Governance, Bank Banten is
berpedoman pada peraturan perundang-undangan yang guided by the following applicable laws and regulations:
berlaku, sebagai berikut :
1. Undang-Undang No. 7 Tahun 1992 tentang Perbankan 1. Law No. 7 of 1992 concerning Banking, as amended by
sebagaimana telah diubah dengan Undang-Undang Law of the Republic of Indonesia No. 10 of 1998.
Republik Indonesia No. 10 Tahun 1998.
2. Undang-Undang No. 8 Tahun 1995 tentang Pasar 2. Law No. 8 of 1995 concerning Capital Markets.
Modal.
3. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 3. Law No. 40 of 2007 concerning Limited Liability
Terbatas. Companies.
4. Undang-Undang No. 4 Tahun 2023 tentang 4. Law No. 40 of 2007 concerning Limited Liability
Pengembangan dan Penguatan Sektor Keuangan. Companies.
5. Peraturan Otoritas Jasa Keuangan (POJK) No.33/ 5. OJK Regulation (POJK) No. 33/POJK.04/2014 on Board
POJK.04/2014 tentang Direksi dan Dewan Komisaris of Directors and Board of Commissioners of Issuers or
Emiten atau Perusahaan Publik. Public Companies.
6. POJK No.35/POJK.04/2014 tentang Sekretaris 6. POJK No. 35/POJK.04/2014 on Corporate Secretaries
Perusahaan Emiten atau Perusahaan Publik. of Issuers or Public Companies.
7. POJK No. 8/POJK.04/2015 tentang Situs Web Emiten 7. POJK No. 8/POJK.04/2015 on Issuers’ or Public
atau Perusahaan Publik. Companies’ Websites.
8. POJK No. 21/POJK.04/2015 tentang Penerapan 8. POJK No. 21/POJK.04/2015 on Implementation of
Pedoman Tata Kelola Perusahaan Terbuka. Governance Guidelines for Public Companies.
9. POJK No.45/POJK.03/2015 tentang Penerapan Tata 9. POJK No. 45/POJK.03/2015 on Governance in the
Kelola dalam Pemberian Remunerasi Bagi Bank Umum. Provision of Remuneration for Commercial Banks.
10. POJK No.31/POJK.04/2015 tentang Keterbukaan 10. POJK No. 31/POJK.04/2015 on Disclosure of Information
atas Informasi atau Fakta Material oleh Emiten atau or Material Facts by Issuers or Public Companies.
Perusahaan Publik.
11. POJK No.56/POJK.04/2015 tentang Pembentukan dan 11. POJK No. 56/POJK.04/2015 on the Establishment and
Pedoman Piagam Unit Audit Internal. Guidelines for Internal Audit Charters.
12. POJK No. 11/POJK.03/2016, sebagaimana telah 12. POJK No. 11/POJK.03/2016, as amended several times
beberapa kali diubah dengan perubahan terakhir POJK with the latest amendment being POJK No. 27 of 2022
No. 27 Tahun 2022 tentang Kewajiban Penyediaan concerning the Minimum Capital Adequacy Requirement
Modal Minimum (KPMM) Bank Umum; (CAR) for Commercial Banks.
13. POJK No. 18/POJK.03/2016 tentang Penerapan 13. POJK No. 18/POJK.03/2016 concerning the
Manajemen Risiko Bagi Bank Umum. Implementation of Risk Management for Commercial
Banks.
14. POJK No. 27/POJK.03/2016 Perihal Penilaian 14. POJK No. 4/POJK.03/2016 on Assessment of
Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Commercial Bank Health Levels.
Jasa Keuangan.
15. POJK No. 4/ POJK.03/2016 tentang Penilaian Tingkat 15. POJK No. 29/POJK.04/2016 on Annual Reports of
Kesehatan Bank Umum. Issuers or Public Companies.
16. POJK No. 29/ POJK.04/2016 tentang Laporan Tahunan 16. POJK No. 46/POJK.03/2017 on the Implementation of
Emiten atau Perusahaan Publik. the Compliance Function for Commercial Banks.
17. POJK No. 46/ POJK.03/2017 tentang Pelaksanaan 17. POJK No. 1/POJK.03/2019 on Implementation of
Fungsi Kepatuhan Bank Umum. Internal Audit Functions in Commercial Banks.
18. POJK No.1/POJK.03/2019 tentang Penerapan Fungsi 18. POJK No. 37/POJK.03/2019 on Transparency and
Audit Intern pada Bank Umum. Publication of Bank Reports.
202 Laporan Tahunan & Laporan Keberlanjutan 2025
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19. POJK No. 15/ POJK.04/2020 tentang Rencana dan 19. POJK No. 15/POJK.04/2020 on Planning and
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Penyelenggaraan Rapat Umum Pemegang Saham Conducting General Meetings of Shareholders for
Perusahaan Terbuka. Public Companies.
20. POJK No. 12/ POJK.03/2021 tentang Bank Umum. 20. POJK No. 12/POJK.03/2021 on Commercial Banks.
21. POJK No. 17 Tahun 2023 tentang Penerapan Tata 21. POJK No. 17 of 2023 on Governance Implementation
Kelola bagi Bank Umum. for Commercial Banks.
22. POJK No. 22 Tahun 2023 tentang Pelindungan 22. POJK No. 22 of 2023 concerning Consumer and Public
Konsumen dan Masyarakat di Sektor Jasa Keuangan, Protection in the Financial Services Sector, along with
berikut dengan peraturan pelaksanaannya. its implementing regulations.
23. POJK No. 13 Tahun 2024 tentang Transparansi dan 23. POJK No. 13 of 2024 on Transparency and Publication
Publikasi Suku Bunga Dasar Kredit Bagi Bank Umum of Prime Lending Rates for Conventional Commercial
Konvensional. Banks.
24. POJK No.18 Tahun 2025 tentang Transparansi dan 24. POJK No. 18 of 2025 concerning Transparency and
Publikasi Laporan Bank. Publication of Bank Reports.
25. SEOJK No. 32/ SEOJK.04/2015 tentang Pedoman Tata 25. SEOJK No. 32/SEOJK.04/2015 concerning Corporate
Kelola Perusahaan Terbuka. Governance Guidelines for Public Companies.
26. SEOJK No. 40/ SEOJK.03/2016 tentang Penerapan 26. SEOJK No. 40/SEOJK.03/2016 concerning the
Tata Kelola dalam Pemberian Remunerasi Bagi Bank Implementation of Governance in the Provision of
Umum. Remuneration for Commercial Banks.
27. SEOJK No. 16/ SEOJK.04/2021 tentang Bentuk dan Isi 27. SEOJK No. 16/SEOJK.04/2021 concerning the Form
Laporan Tahun Emiten atau Perusahaan Publik. and Content of the Annual Report of Issuers or Public
Companies.
28. SEOJK No. 14/ SEOJK.03/2025 tentang Penerapan 28. SEOJK No. 14/SEOJK.03/2025 concerning the
Tata Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
29. SEOJK No. 29/SEOJK.03/2025 tentang Transparansi 29. SEOJK No. 29/SEOJK.03/2025 concerning
dan Publikasi Laporan Bank Umum Konvensional. Transparency and Publication of Reports of Conventional
Commercial Banks.
PRINSIP-PRINSIP TATA KELOLA PRINCIPLES OF CORPORATE
PERUSAHAAN GOVERNANCE
Implementasi GCG Bank Banten telah berlandaskan pada The implementation of GCG at Bank Banten is based on
lima prinsip utama TARIF, yaitu: five core principles, known as TARIF, namely:
Keterbukaan (transparency)
Akuntabilitas (accountability)
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Pertanggungjawaban (responsibility)
Independensi (independency)
Kewajaran (fairness)
2025 Annual Report & Sustainability Report 203
Page 206
Bank Banten meyakini bahwa penerapan kelima prinsip Bank Banten believes that the application of these five
tersebut menjadi fondasi yang dapat diandalkan dalam principles provides a reliable foundation for the Bank’s
menjalankan operasional bisnis Bank, baik oleh Dewan business operations, both by the Board of Commissioners,
Komisaris, Direksi, maupun seluruh karyawan, sehingga Board of Directors, and all employees, ensuring balance
tercipta keseimbangan dalam aktivitas usaha secara across all business activities.
menyeluruh.
STRUKTUR TATA KELOLA PERUSAHAAN GOOD CORPORATE GOVERNANCE
STRUCTURE
Implementasi GCG Bank Banten didasarkan pada kerangka The implementation of GCG at Bank Banten is based
kerja atau Governance Framework yang dibangun melalui on a Governance Framework built upon three main
tiga pilar utama, yaitu Governance Structure, Governance pillars: Governance Structure, Governance Process, and
Process, dan Governance Outcome. Governance Outcome.
Governance Structure Kelengkapan struktur dan infrastruktur tata kelola guna memastikan bahwa prinsip-prinsip Tata Kelola
yang Baik dapat diterapkan secara efektif untuk mencapai hasil yang sesuai dengan harapan pemangku
kepentingan. Struktur tata kelola ini meliputi Dewan Komisaris, Direksi, Komite-Komite, serta Satuan Kerja
Pendukung. Sementara itu, infrastruktur tata kelola terdiri dari kebijakan dan prosedur, sistem informasi
manajemen, serta tugas pokok dan fungsi setiap organ sesuai dengan struktur organisasi. / A complete
governance structure and infrastructure ensures that the principles of Good Governance can be effectively
implemented to achieve results that meet stakeholder expectations. This governance structure includes the
Board of Commissioners, the Board of Directors, Committees, and Supporting Work Units. The governance
infrastructure comprises policies and procedures, management information systems, and the main duties
and functions of each organ, in accordance with the organizational structure.
Governance Process Efektivitas penerapan prinsip-prinsip Tata Kelola yang Baik, yang didukung oleh struktur dan infrastruktur
tata kelola yang memadai. Hal ini bertujuan untuk memastikan bahwa setiap proses dalam tata kelola dapat
menghasilkan hasil yang diharapkan oleh pemangku kepentingan. / The effective implementation of Good
Corporate Governance principles, supported by adequate governance structures and infrastructure, aims to
ensure that every governance process produces the results expected by stakeholders.
Governance Outcome Hasil dari implementasi tata kelola yang efektif, di mana prinsip-prinsip Tata Kelola yang Baik diterapkan
secara optimal, dengan dukungan struktur dan infrastruktur yang memadai. / The result of implementing
effective governance, where the principles of Good Corporate Governance are optimally implemented, with
the support of adequate structures and infrastructure.
Berdasarkan Undang-Undang No. 40 Tahun 2007 tentang In accordance with Law No. 40 of 2007 on Limited
Perseroan Terbatas, Bank Banten menerapkan tata kelola Liability Companies, Bank Banten implements good
perusahaan melalui peran Dewan Komisaris dan Direksi, corporate governance through the roles of the Board of
yang didukung oleh komite-komite serta seluruh karyawan Commissioners and the Board of Directors, supported by
dalam setiap aspek operasional, dengan berpedoman pada various committees and all employees in every aspect of
struktur Tata Kelola Perseroan. operations, and guided by the Company’s Good Corporate
Governance structure.
Struktur Tata Kelola utama di Bank Banten terdiri dari Rapat The main governance structure at Bank Banten consists
Umum Pemegang Saham (RUPS), Dewan Komisaris, dan of the General Meeting of Shareholders (GMS), the Board
Direksi. Dalam menjalankan fungsi, tugas dan tanggung of Commissioners, and the Board of Directors. In carrying
jawabnya, Dewan Komisaris dan Direksi didukung oleh out their functions, duties, and responsibilities, the Board of
beberapa komite dan satuan kerja pendukung, yaitu: Commissioners and the Board of Directors are supported
by several committees and supporting work units, namely:
1. Komite Dewan Komisaris, yang dibentuk untuk 1. Board of Commissioners Committees, established
mendukung serta memperkuat fungsi pengawasan yang to support and strengthen the supervisory functions
dilakukan oleh Dewan Komisaris, terdiri dari Komite carried out by the Board of Commissioners, consisting
Audit, Komite Remunerasi & Nominasi dan Komite of the Audit Committee, the Remuneration & Nomination
Pemantau Risiko. Committee, and the Risk Monitoring Committee.
204 Laporan Tahunan & Laporan Keberlanjutan 2025
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2. Komite Direksi, yang terdiri dari Komite Manajemen 2. Board of Directors Committees, consisting of the Risk
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Risiko, Komite Kebijakan Perkreditan, Komite Asset Management Committee, the Credit Policy Committee,
& Liability Management (ALCO), Komite Pengarah the Asset & Liability Management Committee (ALCO),
Teknologi Informasi, Komite Produk, Komite GCG & the Information Technology Steering Committee,
Kepatuhan, Komite Kredit, Komite Human Capital. the Product Committee, the GCG & Compliance
Committee, the Credit Committee, and the Human
Capital Committee.
3. Satuan Kerja Pendukung, yang memiliki tanggung 3. Supporting Work Units, which are directly accountable
jawab langsung kepada Direksi, meliputi Satuan Kerja to the Board of Directors, comprising the Internal Audit
Audit Intern (SKAI), Satuan Kerja Kepatuhan, Satuan Work Unit (SKAI), the Compliance Work Unit, the Risk
Kerja Manajemen Risiko, Sekretariat Perusahaan dan Management Work Unit, the Corporate Secretary, and
Hukum the Legal Unit.
Direksi bersama jajaran Manajemen Bank bertugas untuk The Board of Directors, together with the Bank's
mengelola, mengendalikan, serta bertanggung jawab atas Management, is responsible for managing, controlling, and
pelaksanaan Tata Kelola di Bank Banten. overseeing the implementation of Corporate Governance at
Bank Banten.
PELAKSANAAN TATA KELOLA IMPLEMENTATION OF CORPORATE
PERUSAHAAN 2025 GOVERNANCE 2025
Pelaksanaan Tata Kelola di Bank Banten selama tahun The implementation of Corporate Governance at Bank
2025, di antaranya: Banten throughout 2025 included, among others:
1. Penerapan Tata Kelola Perusahaan (GCG) telah 1. The implementation of Good Corporate Governance
dijalankan dengan prinsip transparansi, akuntabilitas, (GCG) has been carried out based on the principles
tanggung jawab, independensi, serta keadilan dan of transparency, accountability, responsibility,
kesetaraan, dimana penerapan prinsip-prinsip tersebut independence, as well as fairness and equality, whereby
berkontribusi pada peningkatan kinerja Bank, baik dari the application of these principles has contributed to
aspek keuangan maupun non-keuangan. the improvement of the Bank's performance, both from
financial and non-financial aspects.
2. Penilaian sendiri atau self-assessment atas penerapan 2. Self-assessment of governance implementation
Tata Kelola dilaksanakan dengan mengacu pada was conducted with reference to SEOJK No. 14/
SEOJK No. 14/SEOJK.03/2025 tentang Penerapan SEOJK.03/2025 concerning the Implementation
Tata Kelola bagi Bank Umum yang dilakukan secara of Governance for Commercial Banks, carried out
periodik setiap semester. Penilaian Tata Kelola juga periodically on a semi-annual basis. The Governance
ditujukan untuk menghasilkan Peringkat Tata Kelola Assessment is also intended to produce a Governance
yang menjadi faktor dalam menentukan Tingkat Rating, which serves as a factor in determining the
Kesehatan Bank. Penilaian ini dilakukan terhadap 3 Bank's Soundness Level. This assessment was
(tiga) aspek governance, meliputi: struktur, proses, dan conducted across 3 (three) governance aspects,
hasil terhadap 16 (enam belas) faktor penilaian GCG. comprising: structure, process, and outcomes against
16 (sixteen) GCG assessment factors.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Berdasarkan hasil penilaian sendiri tersebut, posisi Based on the results of the self-assessment, the position
semester II/2025 adalah peringkat 2 (Baik), hal tersebut for Semester II/2025 was rated 2 (Good), reflecting that
mencerminkan Manajemen Bank telah melakukan the Bank's Management has generally implemented
penerapan Tata Kelola yang secara umum dengan baik. Corporate Governance in a sound manner.
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3. Menyelenggarakan Rapat Umum Pemegang Saham 3. The Annual General Meeting of Shareholders (AGMS)
(RUPS) Tahunan pada tanggal 10 April 2025 sebagai was held on April 10, 2025, as an accountability report
pertanggungjawaban atas kinerja Direksi tahun 2024. for the Board of Directors' performance in 2024.
Selain itu juga menyelenggarakan Rapat Umum In addition, an Extraordinary General Meeting of
Pemegang Saham Luar Biasa (RUPSLB) pada tanggal Shareholders (EGMS) was also held on November 28,
28 November 2025, dengan 2 (dua) hasil keputusan 2025, with 2 (two) resolutions as follows:
sebagai berikut:
a. Penetapan PT Bank Pembangunan Daerah Jawa a. The designation of PT Bank Pembangunan
Timur Tbk sebagai Pemegang Saham Pengendali Daerah Jawa Timur Tbk as the Second
(PSP) Kedua dan Bank Induk Kelompok Usaha Bank Controlling Shareholder (PSP) and Parent Bank
(KUB) Perseroan sesuai dengan amanat Peraturan of the Company's Bank Business Group (KUB), in
Otoritas Jasa Keuangan (POJK) 12/POJK.03/2020 accordance with the mandate of Financial Services
tentang Konsolidasi Bank Umum; dan Authority Regulation (POJK) No. 12/POJK.03/2020
concerning Commercial Bank Consolidation; and
b. Persetujuan atas Rencana Aksi Pemulihan Perseroan b. Approval of the Company's Recovery Action Plan
Tahun 2026 sesuai peraturan perundangan yang for 2026, in accordance with applicable laws and
berlaku. regulations.
4. Penyesuaian dan/atau pembaharuan atas kebijakan 4. Adjustments and/or updates to Bank Banten's policies
Bank Banten yang terkait dengan Penerapan Tata related to the Implementation of Corporate Governance,
Kelola, di antaranya meliputi: including:
• Anggaran Dasar Perseroan No. 08 tanggal 08 Maret • Articles of Association of the Company No. 08 dated
2024, telah diterima dan dicatat di dalam Sistem March 8, 2024, received and recorded in the Legal
Administrasi Badan Hukum Kementerian Hukum Entity Administration System of the Ministry of Law
dan Hak Asasi Manusia Republik Indonesia dengan and Human Rights of the Republic of Indonesia
No. AHU-0018143.AH.01.02 Tahun 2024 tanggal 21 under No. AHU-0018143.AH.01.02 Year 2024 dated
Maret 2024, berikut dengan perubahannya. March 21, 2024, along with its amendments.
• Kode Etik Perusahaan, terakhir diperbaharui 10 Juni • Code of Conduct, last updated June 10, 2024.
2024.
• Kebijakan Tata Kelola, diterbitkan 29 Desember • Governance Policy, issued December 29, 2025.
2025
• SOP Laporan Pelaksanaan Tata Kelola, terakhir • SOP for Governance Implementation Report, last
diperbarui 30 Desember 2025. updated December 30, 2025.
• SOP Nominasi Dewan Komisaris dan Direksi, • SOP for Nomination of Board of Commissioners
terakhir diperbaharui 31 Desember 2025. and Board of Directors, last updated December 31,
2025.
• Kebijakan Laporan Harta Kekayaan Pejabat Negara • Policy on State Officials' Wealth Report (LHKPN),
(LHKPN), terakhir diperbaharui 31 Desember 2025. last updated December 31, 2025.
• Pedoman dan Tata Tertib Kerja Dewan Komisaris, • Guidelines and Rules of Procedure for the Board of
terakhir diperbaharui 10 Juni 2024. Commissioners, last updated June 10, 2024.
• Pedoman dan Tata Tertib Kerja Direksi, terakhir • Guidelines and Rules of Procedure for the Board of
diperbaharui 26 November 2024. Directors, last updated November 26, 2024.
• Pedoman dan Tata Tertib Komite Audit, terakhir • Guidelines and Rules of Procedure for the Audit
diperbaharui 30 September 2024. Committee, last updated September 30, 2024.
• Pedoman dan Tata Tertib Kerja Komite Pemantau • Guidelines and Rules of Procedure for the Risk
Risiko, terakhir diperbaharui 30 September 2024. Monitoring Committee, last updated September 30,
2024.
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• Pedoman dan Tata Tertib Kerja Komite Remunerasi • Guidelines and Rules of Procedure for the
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
dan Nominasi, terakhir diperbaharui 17 Oktober Remuneration and Nomination Committee, last
2024. updated October 17, 2024.
• Kebijakan Sistem Anti Penyuapan Bank, terakhir • Anti-Bribery System Policy, last updated November
diperbaharui 29 November 2023. 29, 2023.
• Pedoman Pengendalian Gratifikasi, terakhir • Gratuity Control Guidelines, last updated March 29,
diperbaharui 29 Maret 2022. 2022.
• Kebijakan Remunerasi Dewan Komisaris dan • Remuneration Policy for the Board of Commissioners
Direksi, terakhir diperbaharui 07 Juni 2022. and Board of Directors, last updated June 7, 2022.
• Penanganan Transaksi yang Mengandung Benturan • Guidelines for Handling Transactions Containing
Kepentingan, terakhir diperbaharui 29 September Conflicts of Interest, last updated September 29,
2021. 2021.
• Kebijakan Penilaian Sendiri (self-assesment) Kinerja • Self-Assessment Policy for the Performance of the
Dewan Komisaris & Direksi, terakhir diperbaharui 20 Board of Commissioners & Board of Directors, last
Maret 2020. updated March 20, 2020.
PENILAIAN TATA KELOLA PERUSAHAAN GOOD CORPORATE GOVERNANCE
ASSESSMENT
Secara berkala, Bank Banten melakukan penilaian atas Bank Banten regularly conducts assessments of its corporate
peneraan tata kelola Perusahaan berdasarkan ketentuan governance implementation in accordance with POJK No.
pada POJK No. 17 Tahun 2023 dan SEOJK No. 13/ 17 of 2023 and SEOJK No. 13/SEOJK.03/2017 regarding
SEOJK.03/2017 mengenai Penerapan Tata Kelola bagi Governance Implementation for Commercial Banks. These
Bank Umum. Penilaian dilakukan secara mandiri/ self- assessments are carried out through self-assessment,
assessment, merupakan upaya Bank Banten dalam reflecting the Bank’s commitment to continuously improving
meningkatkan kualitas penerapan GCG dalam menjalankan the quality of GCG in its business activities. This proactive
kegiatan bisnis. Dengan demikian, Bank dapat secara approach enables the Bank to identify areas for improvement
proaktif mengidentifikasi area yang perlu diperbaiki dan and to implement appropriate corrective actions.
menetapkan langkah korektif yang tepat.
KRITERIA PENILAIAN TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE ASSESSMENT
CRITERIA
Penilaian atas penerapan Tata Kelola dilakukan The assessment of governance implementation is
berdasarkan 16 faktor penilaian tata kelola, meliputi: conducted based on 16 governance assessment factors,
comprising:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Implementation of the duties and responsibilities of the
Board of Directors;
2. Pelaksanaan tugas dan tanggung jawab Dewan 2. Implementation of the duties and responsibilities of the
Komisaris; 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;
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
5. Penerapan Fungsi Kepatuhan; 5. Implementation of the Compliance Function;
6. Penerapan Fungsi Audit Internal; 6. Implementation of the Internal Audit Function;
7. Penerapan Fungsi Audit Ekstern; 7. Implementation of the External Audit Function;
8. Penerapan Manajemen Risiko termasuk Sistem 8. Implementation of Risk Management, including the
Pengendalian Intern; Internal Control System;
9. Pemberian remunerasi; 9. Provision of remuneration;
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10. Penyediaan dana kepada pihak terkait dan penyediaan 10. Provision of funds to related parties and provision of
dana besar (large exposures); large exposures;
11. Integritas pelaporan dan sistem teknologi informasi; 11. Reporting integrity 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 strategy, including anti-
bribery;
15. Penerapan keuangan berkelanjutan, termasuk 15. Implementation of sustainable finance, including
penerapan tanggung jawab sosial dan lingkungan; dan the implementation of social and environmental
responsibility; and
16. Penerapan Tata Kelola dalam KUB. 16. Implementation of Governance within the Bank Business
Group (KUB).
HASIL PENILAIAN TATA KELOLA PERUSAHAAN RESULTS OF THE GOOD CORPORATE
GOVERNANCE ASSESSMENT
Pada semester I dan II tahun 2025, Bank Banten telah In Semester I and Semester II of 2025, Bank Banten
melakukan penilaian sendiri/self assessment pelaksanaan conducted an individual self-assessment of its Corporate
Tata Kelola secara individual dan telah disampaikan Governance implementation and submitted the results to
kepada Otoritas Jasa Keuangan, dengan hasil penilaian the Financial Services Authority (OJK), with the following
sebagai berikut: assessment outcomes:
Tabel Hasil Penilaian GCG Tahun 2025 Table of 2025 GCG Assessment Results
Hasil Penilaian GCG / GCG Assessment Results
Peringkat / Rating 2 (BAIK) / 2 (GOOD)
Definisi Peringkat / Mencerminkan Manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum dengan
Rating Definition baik. Dalam hal terdapat kelemahan penerapan prinsip Tata Kelola, secara umum kelemahan tersebut
kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank. / Reflects
that the Bank's Management has generally implemented Corporate Governance in a sound manner. In
the event that there are weaknesses in the implementation of Corporate Governance principles, such
weaknesses are generally not significant and can be resolved through normal actions by the Bank's
Management.
REKOMENDASI PERBAIKAN TATA KELOLA GOOD CORPORATE GOVERNANCE IMPROVEMENT
PERUSAHAAN RECOMMENDATIONS
Penetapan peringkat tersebut di atas, didasarkan pada The above rating was determined based on the strengths
kekuatan dan kelemahan atas pelaksanaan Tata Kelola and weaknesses in the implementation of Corporate
di Bank Banten selama tahun 2025, dimana terhadap Governance at Bank Banten throughout 2025, whereby
kelemahan yang ada telah dilakukan upaya perbaikan, di improvement efforts have been made to address the
antaranya sebagai berikut : identified weaknesses, as follows:
1. Kekuatan Pelaksanaan Tata Kelola Perusahaan 1. Strengths in Corporate Governance Implementation
a Governance Structure a. Governance Structure
1. Komposisi dan jumlah anggota Dewan Komisaris 1. The composition and number of members of the
dan anggota Direksi yang ditetapkan dalam Board of Commissioners and Board of Directors,
RUPS Tahunan tanggal 10 April 2025 telah as determined at the Annual General Meeting of
memenuhi ketentuan Otoritas. Terhadap seluruh Shareholders on April 10, 2025, have complied
anggota Direksi tersebut telah lulus Penilaian with the requirements of the Authority. All
Kemampuan dan Kepatutan dari Otoritas Jasa members of the Board of Directors have passed
Keuangan, serta telah menjabat efektif. the Fit and Proper Assessment conducted by the
Financial Services Authority and have assumed
their positions effectively.
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2. Bank telah menyusun Rencana Bisnis Bank 2. The Bank has prepared the Bank Business Plan
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
tahun 2026 – 2028 secara realistis, komprehensif, for 2026–2028 in a realistic, comprehensive,
terukur (achievable) dengan memperhatikan and measurable (achievable) manner, taking
prinsip kehati-hatian dan responsif terhadap into account the principles of prudence and
perubahan, serta telah disetujui oleh Dewan responsiveness to change, and has been
Komisaris dan didukung oleh pemegang saham. approved by the Board of Commissioners and
supported by the shareholders.
3. Penerapan Tata Kelola yang baik di Bank 3. The implementation of good Corporate
Banten juga didukung dengan struktur perangkat Governance at Bank Banten is also supported
Internal Audit, Divisi Manajemen Risiko dan Divisi by an independent Internal Audit structure,
Kepatuhan yang independen dalam menjalankan Risk Management Division, and Compliance
fungsinya, termasuk telah dibentuknya unit Division in carrying out their respective functions,
kerja khusus yang menangani pengendalian including the establishment of a dedicated work
internal dalam proses pelaporan keuangan yang unit responsible for internal control over financial
berpedoman pada POJK No. 15 tahun 2024. reporting processes, guided by POJK No. 15 of
2024.
4. Bank Banten telah efektif KUB dengan Bank 4. Bank Banten's Bank Business Group (KUB)
Jawa Timur pada tanggal 15 Desember 2025 with Bank Jawa Timur became effective on
dan telah didukung dengan perjanjian kerja December 15, 2025, and has been supported
sama terkait dengan KUB, antara lain Perjanjian by cooperation agreements related to the KUB,
antar Pemegang Saham (SHA), Perjanjian including a Shareholders' Agreement (SHA),
Implementasi Teknis pada SHA, Perjanjian a Technical Implementation Agreement under
Penyertaan Modal/ Pembelian Saham Bersyarat. the SHA, and a Capital Participation/Conditional
Share Purchase Agreement.
b. Governance Process b. Governance Process
1. Proses pengambilan keputusan baik bisnis 1. The decision-making process for both business
dan non-bisnis telah dilaksanakan dengan and non-business matters has been carried
berpedoman kepada prinsip Tata Kelola out in accordance with Corporate Governance
sehingga dapat meningkatkan efisiensi dan principles, thereby improving efficiency and the
pencapaian target perusahaan. achievement of the Company's targets.
2. Anggota Dewan Komisaris, Direksi dan Pejabat 2. Members of the Board of Commissioners, Board
Eksekutif tidak mengambil tindakan yang dapat of Directors, and Executive Officers have not
merugikan atau mengurangi keuntungan Bank taken any actions that may be detrimental to
dalam kaitannya transaksi benturan kepentingan. or reduce the Bank's profits in connection with
conflict of interest transactions.
3. Direksi telah menindaklanjuti temuan audit 3. The Board of Directors has followed up on
internal dan eksternal, yang dibahas dalam rapat internal and external audit findings, which were
khusus pembahasan monitoring pemenuhan discussed in dedicated meetings to monitor
komitmen audit melalui rapat Direksi dengan the fulfillment of audit commitments through
Kepala Divisi Audit Internal. meetings between the Board of Directors and the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Head of the Internal Audit Division.
4. RUPS Tahunan telah dilakukan tanggal 4. The Annual General Meeting of Shareholders
10 April 2025, telah menguasakan kepada was held on April 10, 2025, and authorized
Dewan Komisaris untuk menunjuk Kantor the Board of Commissioners to appoint a
Akuntan Publik yang akan mengaudit Laporan Public Accounting Firm to audit the Company's
Keuangan Perseroan tahun Buku 2025 dengan Financial Statements for Fiscal Year 2025, taking
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memperhatikan rekomendasi Komite Audit dan into account the recommendations of the Audit
telah dilaksanakan untuk penetapan Kantor Committee. This has been carried out with the
Akuntan Publik Kanaka Puradiredja, Suhartono appointment of Public Accounting Firm Kanaka
untuk mengaudit Laporan Keuangan Perseroan Puradiredja, Suhartono to audit the Company's
Tahun Buku 2025. Financial Statements for Fiscal Year 2025.
5. Pengawasan atas pelaksanaan Rencana Bisnis 5. Oversight of the implementation of the Bank
Bank tahun 2025 telah dilakukan oleh Dewan Business Plan for 2025 has been conducted by
Komisaris dan hasil pengawasan tersebut the Board of Commissioners, and the results
dilaporkan kepada Otoritas Jasa Keuangan. of such oversight have been reported to the
Financial Services Authority.
c. Governance Outcome c. Governance Outcome
1. Rencana Bisnis Bank Tahun 2025-2027 telah 1. The Bank Business Plan for 2025–2027 has
terealisasi dengan cukup baik, dimana posisi been realized with satisfactory results, whereby
31 Desember 2025 telah dapat memperbaiki as of December 31, 2025, the Bank has been
kinerjanya melalui pencapaian laba tahun able to improve its performance through the
berjalan, perbaikan rasio-rasio keuangan Bank achievement of current year profit, improvement
dan penurunan NPL Gross. in the Bank's financial ratios, and a reduction in
Gross NPL.
2. Beberapa target action plan penyehatan Bank 2. Several action plan targets for the Bank's recovery
juga berprogres cukup baik, di antaranya have also progressed satisfactorily, including
likuiditas Bank yang cukup terjaga, telah dapat the maintenance of adequate Bank liquidity, the
membukukan laba, telah mengelola RKUD ability to record a profit, the management of the
Pemerintah Provinsi Banten dan 3 (tiga) Regional Government Cash Account (RKUD) of
pemerintah kota/kabupaten (Kab Lebak, Kota the Banten Provincial Government and 3 (three)
Serang dan Kab Pandeglang), serta telah city/regency governments (Lebak Regency,
efektifnya KUB dengan Bank Jawa Timur Serang City, and Pandeglang Regency), as well
as the effective establishment of the KUB with
Bank Jawa Timur.
3.) Selama semester II/2025 : 3. During Semester II/2025:
• tidak terdapat indikasi adanya benturan ∙ There were no indications of conflicts of
kepentingan yang dapat merugikan Bank interest that could be detrimental to or reduce
atau mengurangi keuntungan Bank. the Bank's profits.
• tidak terdapat intervensi dari pemilik/pihak ∙ There was no interference from owners/
terkait/pihak lainnya terhadap kegiatan related parties/other parties in the Bank's
operasional Bank yang dapat menimbulkan operational activities that could give rise to
benturan kepentingan dan dapat merugikan conflicts of interest and be detrimental to or
Bank atau mengurangi keuntungan Bank. reduce the Bank's profits.
• tidak terdapat transaksi maupun indikasi ∙ There were no transactions or indications of
transaksi yang dapat menimbulkan benturan transactions that could give rise to conflicts of
kepentingan. interest.
• Tidak terdapat pelampauan dan pelanggaran ∙ There were no Legal Lending Limit (LLL)
BMPK bank excesses or violations.
4. Laporan pelaksanaan tugas dan tanggung 4. The report on the implementation of the duties
jawab Direktur Kepatuhan dan Laporan Hasil and responsibilities of the Compliance Director
Pokok-Pokok Pelaksanaan Audit Intern, telah and the Report on Key Findings of Internal Audit
disampaikan kepada OJK sesuai ketentuan Implementation have been submitted to the OJK
berlaku. in accordance with applicable regulations.
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5. Bank telah melakukan upaya untuk menjaga 5. The Bank has made adequate efforts to maintain
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
reputasi Bank secara memadai guna menjaga its reputation in order to preserve stakeholder
kepercayaan stakeholder. confidence.
2. Perbaikan pelaksanaan Tata Kelola Perusahaan 2. Improvements in Corporate Governance
Implementation
a. Bank merealisasikan Rencana Bisnis Bank tahun a. The Bank has realized the Bank Business Plan for
2025-2027 dan action plan penyehatan bank dengan 2025–2027 and the Bank recovery action plan
hasil cukup baik, antara lain dapat membukukan with satisfactory results, including the recording of
laba tahun berjalan, perbaikan rasio-rasio keuangan, current year profit, improvement in financial ratios,
perbaikan NPL Gross, dan likuiditas cukup terjaga. improvement in Gross NPL, and the maintenance of
adequate liquidity.
b. Pengkinian Ketentuan Internal dilakukan b. Updates to Internal Regulations are carried out on a
berdasarkan skala prioritas, khususnya terkait priority basis, particularly in relation to audit findings
dengan temuan Audit (internal dan eksternal), (internal and external), the impact of newly issued
dampak atas penerbitan peraturan Otoritas dan regulations by the Authority, and in accordance with
sesuai kebutuhan serta kondisi Bank terkini. the current needs and conditions of the Bank.
c. Melakukan pemantauan dan reminder secara rutin c. Routine monitoring and reminders are conducted
atas pemenuhan kewajiban pelaporan kepada regarding the fulfillment of reporting obligations to
Otoritas, serta pemenuhan tindak lanjut hasil the Authority, as well as the follow-up on examination
pemeriksaan Otoritas Jasa Keuangan agar potensi results by the Financial Services Authority, in order
risiko Kepatuhan dapat diminimalisir. to minimize potential Compliance risks.
RAPAT UMUM PEMEGANG SAHAM (RUPS) GENERAL MEETING OF SHAREHOLDERS
(GMS)
PEDOMAN RUPS GMS GUIDELINES
Bank Banten telah menetapkan pedoman RUPS Bank Banten has established GMS guidelines in accordance
berdasarkan ketentuan sebagai berikut: with the following provisions:
• Undang-Undang No. 40 Tahun 2007 tentang Perseroan • Law No. 40 of 2007 concerning Limited Liability
Terbatas. Companies.
• POJK No. 15/POJK.04/2020 tanggal 20 April 2020 • OJK Regulation No. 15/POJK.04/2020 dated April 20,
tentang Rencana dan Penyelenggaraan Rapat Umum 2020, regarding the Planning and Implementation of
Pemegang Saham Perusahaan Terbuka General Meetings of Shareholders for Public Companies.
• Peraturan Bursa efek Indonesia No. I-E: Kep-00015/ • Indonesia Stock Exchange Regulation No. I-E: Kep-
BEJ/01-2021 tentang kewajiban Penyampaian 00015/BEJ/01-2021 concerning Information Disclosure
Informasi. Obligations.
• Anggaran Dasar Perseroan. • The Company’s Articles of Association:
• Pasal 11 tentang Rapat Umum Pemegang Saham. • Article 11 concerning the General Meeting of
Shareholders.
• Pasal 12 tentang Tempat, Pemberitahuan, Pengumuman, • Article 12 concerning the Venue, Notification,
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Pemanggilan dan waktu Penyelenggaraan Rapat Umum Announcement, Invitation, and Timing of the General
Pemegang Saham. Meeting of Shareholders.
• Pasal 13 tentang Pimpinan dan tata Tertib Rapat Umum • Article 13 concerning the Chairmanship and Rules of
Pemegang Saham. Procedure of the General Meeting of Shareholders.
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• Pasal 14 tentang Keputusan, Kuorum Kehadiran, • Article 14 concerning Resolutions, Attendance Quorum,
Kuorum Keputusan dan Rapat Umum Pemegang Decision Quorum, General Meetings of Shareholders,
Saham dan Risalah Rapat Umum Pemegang Saham. and Minutes of the General Meeting of Shareholders.
PEMEGANG SAHAM SHAREHOLDERS
PEMEGANG SAHAM UTAMA DAN PENGENDALI MAJORITY AND CONTROLLING SHAREHOLDERS
Pemerintah Provinsi Banten Pemerintah Provinsi Jawa Timur
Banten Provincial Government East Java Provincial Goverment
34.289.755.661 7.676.913.648
(66,11%) (51,13%)
PT Bank Pembangunan Daerah Jawa Timur Tbk Masyarakat
Public
27.511.900 17.553.170.705
(0,05%) (33,84%)
Berdasarkan PERDA Banten No. 5 Tahun 2023, Bank Pursuant to Banten Regional Regulation (PERDA) No.
Banten resmi menjadi Badan Usaha Milik Daerah (BUMD) 5 of 2023, Bank Banten officially became a Regional
Provinsi Banten dengan nama PT Bank Pembangunan Government-Owned Enterprise (BUMD) of Banten Province
Daerah Banten (Perseroda) Tbk dan Pemprov Banten under the name PT Bank Pembangunan Daerah Banten
sebagai Pemegang Saham Pengendali (PSP) melalui porsi (Perseroda) Tbk, with the Banten Provincial Government
saham 66,11 % serving as the Controlling Shareholder (PSP) through a
shareholding of 66.11%.
Melalui Kelompok Usaha Bank (KUB), Bank Jatim bertindak Through the Bank Business Group (KUB), Bank Jatim
sebagai induk KUB dan pemegang saham pengendali acts as the KUB parent bank and the second controlling
kedua setelah Pemprov Banten setelah Bank Jatim membeli shareholder after the Banten Provincial Government,
saham Bank Banten di pasar sekunder pada November following Bank Jatim's purchase of Bank Banten shares on
2025, yang disahkan dalam RUPSLB Bank Banten pada 28 the secondary market in November 2025, which was ratified
November 2025 dan resmi efektif per 15 Desember 2025. at the Extraordinary General Meeting of Shareholders
(EGMS) of Bank Banten on November 28, 2025, and
officially became effective as of December 15, 2025.
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HAK DAN WEWENANG PEMEGANG SAHAM RIGHTS AND AUTHORITIES OF SHAREHOLDERS
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Pemegang saham Bank Banten memiliki hak dan wewenang Bank Banten shareholders possess the following rights and
sebagai berikut: authorities:
1. Mengajukan permintaan tertulis kepada Perseroan 1. Submit a written request for the Company to convene a
untuk menyelenggarakan RUPS apabila memiliki saham GMS if they hold at least 10% of the shares.
sekurang-kurangnya 10% (sepuluh persen).
2. Mengusulkan agenda dalam RUPS jika memiliki 2. Propose agenda items for the GMS if they hold a
kepemilikan saham minimal 10% (sepuluh persen). minimum of 10% of the shares.
3. Berpartisipasi dalam pengambilan keputusan selama 3. Participate in decision-making during the GMS in
RUPS sesuai dengan ketentuan yang berlaku serta accordance with applicable regulations and the GMS
Tata Tertib RUPS. Rules of Procedure.
4. Mendapatkan informasi mengenai Tata Tertib RUPS 4. Obtain information regarding the GMS Rules of
serta prosedur pemungutan suara dalam RUPS. Procedure and voting procedures during the GMS.
5. Berhak menerima dividen saham sesuai dengan 5. Receive dividends in accordance with the provisions
ketentuan dan keputusan yang ditetapkan dalam RUPS. and resolutions adopted at the GMS.
PERLAKUAN SETARA KEPADA PEMEGANG SAHAM EQUAL TREATMENT OF SHAREHOLDERS
Dalam penyelenggaraan RUPS, seluruh pemegang saham During the GMS, all shareholders have equal rights to
memiliki hak yang sama untuk mengakses materi RUPS, access the GMS materials, either through the Company’s
baik melalui situs web Perseroan maupun secara langsung website or directly at the Company’s office. The principle of
di kantor Perseroan. Prinsip kesetaraan juga diterapkan equality is also upheld during the voting process, whereby
dalam proses pemungutan suara, di mana setiap Pemegang each shareholder is entitled to cast votes proportionate to
Saham berhak memberikan suara sesuai dengan proporsi their shareholding.
kepemilikan sahamnya.
PELAKSANAAN RUPS 2025 2025 GMS IMPLEMENTATION
Di tahun 2025, Bank Banten melaksanakan Rapat Umum In 2025, Bank Banten held 3 (three) General Meetings
Pemegang Saham sebanyak 3 (tiga) kali, yang terdiri dari of Shareholders, which includes 1 (one) Annual General
Rapat Umum Pemegang Saham Tahunan sebanyak 1 Meeting of Shareholders (AGMS) on April 10, 2025, and
(satu) kali pada tanggal 10 April 2025 dan Rapat Umum 2 (two) Extraordinary General Meetings of Shareholders
Pemegang Saham Luar Biasa sebanyak 2 (dua) kali, (EGMS) on April 10, 2025, and November 28, 2025. Details
masing-masing pada tanggal 10 April 2025 serta 28 of the 2025 AGMS and EGMS are as follows:
November 2025. Informasi RUPST dan RUPSLB di tahun
2025 adalah sebagai berikut:
RUPS TAHUNAN (RUPST) ANNUAL GENERAL MEETING OF
SHAREHOLDERS (AGMS)
RUPST 10 APRIL 2025 AGMS ON APRIL 10, 2025
Mekanisme RUPST AGMS Mechanism
Informasi kepada pemegang saham: Information to shareholders:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
1. Pengumuman Rapat Umum Pemegang Saham Luar 1. The announcement of the Extraordinary General
Biasa (RUPS Luar Biasa) yang dipublikasikan pada Meeting of Shareholders (EGMS) was published on
tanggal 4 Maret 2025 melalui situs web Perseroan, web March 4, 2025 through the Company's website, the
Bursa Efek Indonesia dan web Kustodian Sentral Efek Indonesia Stock Exchange website, and the Indonesian
Indonesia. Central Securities Depository (KSEI) website.
2025 Annual Report & Sustainability Report 213
Page 216
2. Pemanggilan Rapat Umum Pemegang Saham Luar 2. The notice of the Extraordinary General Meeting of
Biasa (RUPS Luar Biasa) yang dipublikasikan pada Shareholders (EGMS) was published on March 19,
tanggal 19 Maret 2025 melalui situs web Perseroan, 2025 through the Company's website, the Indonesia
web Bursa Efek Indonesia dan web Kustodian Sentral Stock Exchange website, and the Indonesian Central
Efek Indonesia. Securities Depository (KSEI) website.
3. Kuorum kehadiran sebanyak 34.823.165.024 saham 3. The attendance quorum consisted of 34,823,165,024
atau 67,135 % dari keseluruhan saham sebanyak shares, or 67.135% of the total 51,870,438,266 shares.
51.870.438.266 saham.
4. Dalam Rapat diberikan kesempatan untuk mengajukan 4. During the Meeting, participants were given the
pertanyaan dan/atau memberikan pendapat terkait opportunity to raise questions and/or provide opinions
setiap mata acara Rapat. regarding each agenda item of the Meeting.
5. Mekanisme pengambilan keputusan dalam Rapat 5. The decision-making mechanism during the Meeting
dilakukan dengan cara musyawarah untuk mufakat. was conducted through deliberation to reach consensus.
Apabila musyawarah untuk mufakat tidak tercapai, In the event that consensus could not be reached, a vote
maka dilakukan pemungutan suara. was conducted.
KEHADIRAN RUPST AGMS ATTENDANCE
Daftar Kehadiran Dewan Komisaris dan Direksi dalam List of Attendance of the Board of Commissioners and
RUPS Tahunan Tahun 2025 Board of Directors at the 2025 Annual General Meeting
of Shareholders
Kehadiran RUPS /
Nama / Name Jabatan / Position
GMS Attendance
Dewan Komisaris / Board of Commissioners
Hoiruddin Hasibuan Komisaris Utama Independen / Independent President Commissioner Hadir / Present
Deden Riki Hayatul Firman Komisaris Independen / Independent Commissioner Hadir / Present
Usman Asshiddiqi Qohara Komisaris / Commissioner Hadir / Present
Direksi / Board of Directors
Muhammad Busthami Direktur Utama / President Director Hadir / Present
Bambang Widyatmoko Direktur Bisnis / Director of Business Hadir / Present
Eko Virgianto Direktur Kepatuhan / Director of Compliance Hadir / Present
Rodi Judo Dahono Direktur Operasional / Director of Operations Hadir / Present
Keputusan RUPST AGMS Resolution
Mata Acara Pertama / First Agenda
Agenda Persetujuan atas Laporan Tahunan termasuk Laporan Keuangan Perseroan dan Laporan Tugas
Pengawasan Dewan Komisaris Perseroan untuk tahun buku 2024 serta memberikan pelunasan dan
pembebasan tanggung jawab (acquit et decharge) kepada anggota Direksi dan Dewan Komisaris Perseroan
atas tindakan pengurusan dan pengawasan yang dilakukan dalam tahun buku 2024. / Approval of the
Annual Report, including the Company’s Financial Statements and the Supervisory Report of the Board
of Commissioners for the 2024 fiscal year, as well as the granting of full release and discharge (acquit et
decharge) to the members of the Board of Directors and Board of Commissioners for the management and
supervisory actions performed during the 2024 fiscal year.
Hasil Pemungutan Setuju / Agree 34.322.814.214 suara atau 98,563% / 34,322,814,214 votes or 98.563%
Suara / Voting Results Tidak Setuju / Disagree 10.600 suara atau 0,001% / 10,600 votes or 0.001%
Abstain 500.340.210 suara atau 1,436% / 500,340,210 votes or 1.436%
Tanggapan/Pertanyaan Tidak terdapat pertanyaan / No questions were raised
/ Responses/Questions
214 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 217
Hasil Keputusan / Rapat memutuskan: / The Meeting resolved to:
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Resolutions 1. Menerima dengan baik dan menyetujui Laporan Tahunan Perseroan termasuk Laporan Direksi dan
mengesahkan Laporan Tugas Pengawasan yang telah dilaksanakan oleh Dewan Komisaris untuk
ta-hun buku yang berakhir pada tanggal 31 Desember 2024, dan mengesahkan Laporan Keuangan
Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2024, yang telah diaudit oleh
Kantor Akuntan Publik Kanaka Puradiredja, Suhartono dengan pendapat “wajar dalam semua hal yang
material” sebagaimana dinyatakan dalam laporannya Nomor 00002/3.0409/AU.1/07/0126-1/1/I/2025
tanggal 22 Januari 2025. / Accept and approve the Company's Annual Report, including the Report of
the Board of Directors, and ratify the Supervisory Report carried out by the Board of Com-missioners for
the fiscal year ended December 31, 2024, and ratify the Company's Financial State-ments for the fiscal
year ended December 31, 2024, which were audited by Public Accounting Firm Kanaka Puradiredja,
Suhartono with an opinion of "fair in all material respects" as stated in their re-port No. 00002/3.0409/
AU.1/07/0126-1/1/I/2025 dated January 22, 2025.
2. Menyetujui memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (acquet et de
charge) kepada segenap anggota Direksi dan anggota Dewan Komisaris atas tindakan pengurusan dan
pengawasan yang telah dijalankan selama tahun buku yang berakhir pada tanggal 31 Desember 2024,
sejauh tindakan-tindakan tersebut tercermin dalam Laporan Tahunan dan Laporan Keuangan Perseroan
untuk tahun buku yang berakhir pada tanggal 31 Desember 2024. / Approve the granting of full release
and discharge (acquit et decharge) to all members of the Board of Directors and Board of Commissioners
for the management and supervisory actions carried out during the fiscal year ended December 31,
2024, to the extent that such ac-tions are reflected in the Annual Report and Financial Statements of the
Company for the fiscal year ended December 31, 2024.
Status Telah terealisasi dengan disetujui dan diterimanya Laporan Tahunan 2024 pada saat RUPS.Telah
direalisasikan. / Realized, with the 2024 An-nual Report having been approved and accepted at the General
Meeting of Shareholders (GMS).
Mata Acara Kedua / Second Agenda
Agenda Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku 2024. / Determination of the
Appropriation of the Company’s Net Profit for the 2024 Fiscal Year.
Hasil Pemungutan Setuju / Agree 34.322.814.214 suara atau 98,563% / 34,322,814,214 votes or 98.563%
Suara / Voting Results Tidak Setuju / Disagree 10.600 suara atau 0,001% / 10,600 votes or 0.001%
Abstain 500.340.210 suara atau 1,436% / 500,340,210 votes or 1.436%
Tanggapan/Pertanyaan Tidak terdapat pertanyaan / No questions were raised.
/ Responses/Questions
Hasil Keputusan / Menyetujui penetapan Laba Bersih Perseroan sebesar Rp39,33 miliar dijadikan sebagai laba ditahan
Resolutions yang bermanfaat bagi penguatan permodalan yang akan mendukung peningkatan bisnis Bank Banten
secaraberkelanjutansecara berkelanjutan. / Approved the appropriation of the Company's Net Profit
of Rp39.33 billion as retained earnings, which will be beneficial for capital strengthen-ing to support the
sustainable growth of Bank Banten's business.
Status Telah direalisasikan. / Realized.
Mata Acara Ketiga / Third Agenda
Agenda Penunjukan Akuntan Publik untuk mengaudit Laporan Keuangan Perseroan Tahun Buku yang Berakhir
pada Tanggal 31 Desember 2025. / Appointment of a Public Accountant to audit the Company’s Financial
Statements for the fiscal year ending on December 31, 2025.
Hasil Pemungutan Setuju / Agree 34.322.814.214 suara atau 98,563% / 34,322,814,214 votes or 98.563%
Suara / Voting Results Tidak Setuju / Disagree 10.600 suara atau 0,001% / 10,600 votes or 0.001%
Abstain 500.340.210 suara atau 1,436% / 500,340,210 votes or 1.436%
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Tanggapan/Pertanyaan Tidak terdapat pertanyaan / No questions were raised.
/ Responses/Questions
2025 Annual Report & Sustainability Report 215
Page 218
Hasil Keputusan / Rapat memutuskan: / The Meeting resolved to:
Resolutions Memberi wewenang kepada Dewan Komisaris untuk melakukan Penunjukkan Akuntan Publik yang
akan mengaudit Laporan Keuangan Perseroan Tahun Buku 2025 dengan memperhatikan rekomendasi
dari Komite Audit dan menetapkan jumlah honorarium Akuntan Publik tersebut dan persyaratan lain
penunjukannya sesuai dengan peraturan yang berlaku. / Authorize the Board of Commissioners to appoint
a Public Accountant to audit the Company's Financial Statements for Fiscal Year 2025, taking into account
the recommendations of the Audit Committee, and to determine the honorarium and other terms of
appointment of said Public Accountant in accordance with applicable regulations.
Status Telah terealisasi dengan penunjukkan KAP Kanaka Puradiredja, Suhartono dan Akuntan Publik Florus
Daeli, SE, Ak,MM,CA, CPA, CRA,CLI, CFI, CACP, ASEAN CPA, untuk mengaudit Laporan Keuangan
Perseroan Tahun Buku 2025, sesuai surat Dewan Komisaris No026/KOM-BB/X/2025 tanggal 8 Oktober
2025 perihal Penunjukkan Kantor Akuntan Publik (KAP) dan Akuntan Publik (AP) untuk Audit Laporan
Keuangan PT Bank Pembangunan Daerah Banten (Perseroda) Tbk Tahun Buku/Periode 31 Desember
2025. / Realized, with the appointment of Public Accounting Firm Kanaka Puradiredja, Suhartono and
Public Accountant Florus Daeli, SE, Ak, MM, CA, CPA, CRA, CLI, CFI, CACP, ASEAN CPA, to audit the
Company's Financial Statements for Fiscal Year 2025, pursuant to the Board of Commissioners' Letter
No. 026/KOM-BB/X/2025 dated October 8, 2025, concerning the Appointment of a Public Accounting Firm
(KAP) and Public Accountant (AP) for the Audit of the Financial Statements of PT Bank Pembangunan
Daerah Banten (Perseroda) Tbk for the Fiscal Year/Period ending December 31, 2025.
Mata Acara Keempat / Fourth Agenda
Agenda Penyampaian Laporan realisasi penggunaan dana hasil Penawaran Umum Terbatas VI dan Penawaran
Umum Terbatas VII Perseroan. / Submission of the report on the realization of the use of proceeds from the
Company’s Limited Public Offering VI and Limited Public Offering VII.
Hasil Pemungutan Setuju / Agree -
Suara / Voting Results Tidak Setuju / Disagree -
Abstain -
Tanggapan/Pertanyaan Tidak terdapat pertanyaan / No questions were raised
/ Responses/Questions
Hasil Keputusan / Mata Acara ini berupa Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Terbatas VI dan
Resolutions Penawaran Umum Terbatas VII sehingga tidak dilakukan pemungutan suara / This agenda item constitutes
a Report on the Realization of the Use of Proceeds from Rights Issue VI and Rights Issue VII and therefore
no vote was conducted.
Status Realisasi penggunaan dana hasil Penawaran Umum Terbatas VI dan Penawaran Umum Terbatas
VII Perseroan akan dilaporkan sampai dengan seluruh dana hasil Penawaran Umum Terbatas VI dan
Penawaran Umum Terbatas VII telah tereal-isasi. / The realization of the use of proceeds from the
Company's Rights Issue VI and Rights Issue VII will continue to be reported until all proceeds from Rights
Is-sue VI and Rights Issue VII have been fully utilized.Telah direalisasikan.
Mata Acara Kelima / Fifth Agenda
Agenda Persetujuan Perubahan Pengurus Perseroan. / Approval of Changes to the Company’s Management.
Hasil Pemungutan Setuju / Agree 34.298.663.414 suara atau 98,494% / 34,298,663,414 votes or 98.494%
Suara / Voting Results Tidak Setuju / Disagree 10.690 suara atau 0,001% / 10,690 votes or 0.001%
Abstain 524.490.710 suara atau 1,506% / 524,490,710 votes or 1.506%
Tanggapan/Pertanyaan Tidak terdapat pertanyaan / No questions were raised
/ Responses/Questions
Hasil Keputusan / Rapat memutuskan: / The Meeting resolved to:
Resolutions 1. Memberhentikan dengan hormat Bapak Usman Asshiddiqi Qohara selaku Komisaris Perseroan sejak
berakhirnya jam kerja Perseroan hari ini yaitu pada pukul 17.00 WIB (tujuh belas Waktu Indonesia
Barat) dan memberikan pelepasan dan pembebasan sepenuhnya (acquit et de charge) segala tindakan
yang dilakukan olehnya sebagai Pengurus Perseroan untuk setiap dan seluruh tanggung jawab dan
kewajiban yang timbul dari setiap dan seluruh kegiatan dan aktivitas Perseroan selama menjabat
dalam kedudukannya tersebut di Perseroan. / Honorably dismiss Mr. Usman Asshiddiqi Qohara as
Commissioner of the Company effective at the close of business hours today at 17.00 Western Indonesia
Time (WIB), and to grant full release and discharge (acquit et decharge) for all actions taken by him as
a member of the Company's Management with respect to any and all responsibilities and obligations
arising from any and all activities and operations of the Company during his tenure in said position.
216 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 219
2. Mengangkat Ibu Dr. Hj. Rina Dewiyanti SE, M.Si selaku Komisaris Perseroan, selaku perwakilan dari
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Pemerintah Provinsi Banten. / Appoint Dr. Hj. Rina Dewiyanti SE, M.Si as Commissioner of the Company,
as a representative of the Banten Provincial Government.
Dengan demikian susunan Pengurus Perseroan menjadi sebagai berikut: / The composition of the
Company's Management is therefore as follows:
Direksi: / Board of Directors:
1. Bapak Muhammad Busthami sebagai Direktur Utama / Mr. Muhammad Busthami as President Director
2. Bapak Bambang Widyatmoko sebagai Direktur Bisnis / Mr. Bambang Widyatmoko as Business
Director
3. Bapak Eko Virgianto sebagai Direktur Kepatuhan / Mr. Eko Virgianto as Compliance Director
4. Bapak Rodi Judo Dahono sebagai Direktur Operasional / Mr. Rodi Judo Dahono as Operations Director
Dewan Komisaris: / Board of Commissioners:
1. Bapak Hoiruddin Hasibuan sebagai Komisaris Utama Independen / Mr. Hoiruddin Hasibuan as
Independent President Commissioner
2. Bapak Deden Riki Hayatul Firman sebagai Komisaris Independen / Mr. Deden Riki Hayatul Firman as
Independent Commissioner
3. Ibu Dr. Hj. Rina Dewiyanti SE, M.Si sebagai Komisaris / Dr. Hj. Rina Dewiyanti SE, M.Si as
Commissioner *)
*) berlaku efektif setelah mendapat persetujuan OJK melalui Penilaian Kemampuan dan Kepatutan. /
effective upon receipt of OJK approval through the Fit and Proper Assessment.
Status Pengangkatan Ibu Dr. Hj. Rina Dewiyanti SE, M.Si sebagai Komisaris telah mendapatkan persetujuan OJK
sesuai hasil Penilaian Kemampuan dan Kepatutan melalui Surat Keputusan Nomor KEPR-92/D.03/2025
tanggal 5 Agustus 2025. / The appointment of Dr. Hj. Rina Dewiyanti SE, M.Si as Commissioner has
received OJK approval pursuant to the results of the Fit and Proper Assessment through Decree No. KEPR-
92/D.03/2025 dated August 5, 2025.
RUPS LUAR BIASA (RUPS LB) EXTRAORDINARY GENERAL MEETING OF
SHAREHOLDERS (EGMS)
RUPB LB 10 APRIL 2025 EGMS ON APRIL 10, 2025
Mekanisme RUPSLB EGMS Mechanism:
Informasi kepada pemegang saham: Information to shareholders:
1. Pengumuman Rapat Umum Pemegang Saham 1. Announcement of the Extraordinary General Meeting
Luar Biasa PT Bank Pembangunan Daerah Banten of Shareholders of PT Bank Pembangunan Daerah
(Perseroda) Tbk tanggal 10 September 2024 yang Banten (Perseroda) Tbk dated September 10, 2024,
dipublikasikan melalui situs web Perseroan, web published through the Company's website, the Indonesia
Bursa Efek Indonesia dan web Kustodian Sentral Efek Stock Exchange website, and the Indonesian Central
Indonesia. Securities Depository (KSEI) website.
2. Pemanggilan Rapat Umum Pemegang Saham Luar 2. Notice of the Extraordinary General Meeting of
Biasa (RUPS Luar Biasa) PT Bank Pembangunan Shareholders (EGMS) of PT Bank Pembangunan
Daerah Banten (Perseroda) Tbk pada tanggal 25 Daerah Banten (Perseroda) Tbk dated September 25,
September 2024 yang dipublikasikan melalui situs 2024, published through the Company's website, the
web Perseroan, web Bursa Efek Indonesia dan web Indonesia Stock Exchange website, and the Indonesian
Kustodian Sentral Efek Indonesia. Central Securities Depository (KSEI) website.
3. Pengumuman Penundaan Rapat Umum Pemegang 3. Announcement of the Postponement of the Extraordinary
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Saham Luar Biasa PT Bank Pembangunan Daerah General Meeting of Shareholders of PT Bank
Banten (Perseroda) Tbk tanggal 15 Oktober 2024 Pembangunan Daerah Banten (Perseroda) Tbk dated
yang dipublikasikan melalui situs web Perseroan, web October 15, 2024, published through the Company's
Bursa Efek Indonesia dan web Kustodian Sentral Efek website, the Indonesia Stock Exchange website, and
Indonesia. the Indonesian Central Securities Depository (KSEI)
website.
2025 Annual Report & Sustainability Report 217
Page 220
4. Pemanggilan Ulang Rapat Umum Pemegang Saham 4. Re-notice of the Extraordinary General Meeting of
Luar Biasa (RUPS Luar Biasa) PT Bank Pembangunan Shareholders (EGMS) of PT Bank Pembangunan
Daerah Banten (Perseroda) Tbk pada tanggal 23 Daerah Banten (Perseroda) Tbk dated October 23,
Oktober 2024 yang dipublikasikan melalui situs web 2024, published through the Company's website, the
Perseroan, web Bursa Efek Indonesia dan web Indonesia Stock Exchange website, and the Indonesian
Kustodian Sentral Efek Indonesia. Rapat Umum Central Securities Depository (KSEI) website. The
Pemegang Saham Luar Biasa (RUPS Luar Biasa) PT Extraordinary General Meeting of Shareholders (EGMS)
Bank Pembangunan Daerah Banten (Perseroda) Tbk of PT Bank Pembangunan Daerah Banten Tbk on
pada tanggal 23 Oktober 2024 yang dipublikasikan October 23, 2024, was published through the Company's
melalui situs web Perseroan, web Bursa Efek Indonesia website, the Indonesia Stock Exchange website, and
dan web Kustodian Sentral Efek Indonesia. the Indonesian Central Securities Depository (KSEI)
website.
5. Penundaan Pembahasan Mata Acara Persetujuan 5. Postponement of the discussion of the Agenda Item on
Penambahan Modal dengan Memberikan Hak Memesan Approval of Capital Increase with Pre-emptive Rights
Efek Terlebih Dahulu (PMHMETD) melalui Penawaran (Rights Issue) through Limited Public Offering VIII (PUT
Umum Terbatas VIII (PUT VIII) termasuk rencana VIII), including the plan for Capital Contribution in the
Penyertaan Modal Dalam Bentuk Aset (Inbreng) dan Form of Assets (Inbreng) and Amendment to Article 4
Perubahan Pasal 4 ayat 2 Anggaran Dasar Peseroan paragraph 2 of the Company's Articles of Association,
pada tanggal 14 November 2024. dated November 14, 2024.
6. Pemanggilan Ulang Rapat Umum Pemegang Saham 6. Re-notice of the Extraordinary General Meeting of
Luar Biasa (RUPS Luar Biasa) PT Bank Pembangunan Shareholders (EGMS) of PT Bank Pembangunan
Daerah Banten (Perseroda) Tbk pada tanggal 28 Daerah Banten (Perseroda) Tbk dated November 28,
November 2024 yang dipublikasikan melalui situs 2024, published through the Company's website, the
web Perseroan, web Bursa Efek Indonesia dan web Indonesia Stock Exchange website, and the Indonesian
Kustodian Sentral Efek Indonesia. Central Securities Depository (KSEI) website.
7. Pengumuman Penundaan Rapat Umum Pemegang 7. Announcement of the Postponement of the Extraordinary
Saham Luar Biasa PT Bank Pembangunan Daerah General Meeting of Shareholders of PT Bank
Banten (Perseroda) Tbk tanggal 19 Desember 2024 Pembangunan Daerah Banten (Perseroda) Tbk dated
yang dipublikasikan melalui situs web Perseroan, web December 19, 2024, published through the Company's
Bursa Efek Indonesia dan web Kustodian Sentral Efek website, the Indonesia Stock Exchange website, and
Indonesia. the Indonesian Central Securities Depository (KSEI)
website.
8. Pemanggilan Ulang Rapat Umum Pemegang Saham 8. Re-notice of the Extraordinary General Meeting of
Luar Biasa (RUPS Luar Biasa) PT Bank Pembangunan Shareholders (EGMS) of PT Bank Pembangunan
Daerah Banten (Perseroda) Tbk pada tanggal 19 Maret Daerah Banten (Perseroda) Tbk dated March 19,
2025 yang dipublikasikan melalui situs web Perseroan, 2025, published through the Company's website, the
web Bursa Efek Indonesia dan web Kustodian Sentral Indonesia Stock Exchange website, and the Indonesian
Efek Indonesia. Central Securities Depository (KSEI) website.
9. Korum Kehadiran sebanyak 34.830.700.771 saham 9. The attendance quorum consisted of 34,830,700,771
atau 67,1494% dari keseluruhan saham sebanyak shares, or 67.1494% of the total 51,870,438,266 shares.
51.870.438.266 saham.
10. Dalam Rapat diberikan kesempatan untuk mengajukan 10. During the Meeting, participants were given the
pertanyaan dan/atau memberikan pendapat terkait opportunity to raise questions and/or provide opinions
setiap mata acara Rapat. regarding each agenda item of the Meeting.
11. Mekanisme pengambilan keputusan dalam Rapat 11. The decision-making mechanism during the Meeting
dilakukan dengan cara musyawarah untuk mufakat. was conducted through deliberation to reach consensus.
Apabila musyawarah untuk mufakat tidak tercapai, In the event that consensus could not be reached, a vote
maka dilakukan pemungutan suara. was conducted.
218 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 221
KEHADIRAN RUPS LB EGMS ATTENDANCE
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Daftar Kehadiran Dewan Komisaris dan Direksi dalam List of Attendance of the Board of Commissioners and
RUPSLB Tahun 2025 Directors at the 2025 Extraordinary General Meeting of
Shareholders
Kehadiran RUPS /
Nama / Name Jabatan / Position
GMS Attendance
Dewan Komisaris / Board of Commissioners
Hoiruddin Hasibuan Komisaris Utama Independen / Independent President Commissioner Hadir / Present
Deden Riki Hayatul Firman Komisaris Independen / Independent Commissioner Hadir / Present
Usman Asshiddiqi Qohara Komisaris / Commissioner Hadir / Present
Direksi / Board of Directors
Muhammad Busthami Direktur Utama / President Director Hadir / Present
Bambang Widyatmoko Direktur Bisnis / Director of Business Hadir / Present
Eko Virgianto Direktur Kepatuhan / Director of Compliance Hadir / Present
Rodi Judo Dahono Direktur Operasional / Director of Operations Hadir / Present
Keputusan RUPSLB EGMS Resolutions
Mata Acara Pertama
Agenda Persetujuan Penambahan Modal dengan Memberikan Hak Memesan Efek Terlebih Dahulu (PMHMETD) melalui
Penawaran Umum Terbatas VIII (PUT VIII) termasuk rencana Penyertaan Modal Dalam Bentuk Aset (Inbreng) dan
Perubahan Pasal 4 ayat 2 Anggaran Dasar Perseroan. / Approval of Capital Increase by Granting Pre-emptive Rights
(PMHMETD) through Limited Public Offering VIII (PUT VIII), including the proposed Capital Injection in the Form of Assets
(Inbreng) and Amendment to Article 4 paragraph 2 of the Company’s Articles of Association.
Hasil Pemungutan Suara / Setuju / Agree 34.330.349.761 suara atau 98,563% / 34,330,349,761 votes or 98.563%
Voting Results
Tidak Setuju / Disagree 11.100 suara atau 0,001% / 11,100 votes or 0.001%
Abstain 500.339.910 suara atau 1,436% / 500,339,910 votes or 1.436%
Tanggapan/Pertanyaan / Terdapat 6 (enam) Pemegang Saham mengajukan pertanyaan / 6 (six) Shareholders raised questions.
Responses/Questions
Hasil Keputusan / Rapat memutuskan: / The Meeting resolved to:
Resolutions 1. Memberikan persetujuan kepada Perseroan untuk melakukan pengeluaran saham dengan Hak Memesan Efek Terlebih
Dahulu (HMETD), yaitu meningkatkan modal ditempatkan dan disetor Perseroan sebanyak-banyaknya 11.364.873.807
(sebelas miliar tiga ratus enam puluh empat juta delapan ratus tujuh puluh tiga ribu delapan ratus tujuh) saham Seri
C dengan nilai nominal Rp50,- (lima puluh Rupiah) per saham yang akan ditawarkan melalui Penawaran Umum
Terbatas VIII (PUT VIII), dengan penjelasan sebagaimana telah dikemukakan, yang akan dilaksanakan setelah
efektifnya Pernyataan Pendaftaran dari Otoritas Jasa Keuangan. / Grant approval to the Company to issue shares
with Pre-emptive Rights (HMETD), namely to increase the Company's issued and paid-up capital by a maximum of
11,364,873,807 (eleven billion three hundred sixty-four million eight hundred seventy-three thousand eight hundred
and seven) Series C shares with a par value of Rp50 (fifty Rupiah) per share, to be offered through Rights Issue VIII
(PUT VIII), with explanations as presented, to be executed after the Registration Statement becomes effective with the
Financial Services Authority. PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 219
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2. Memberikan persetujuan untuk memberikan kuasa kepada Direksi Perseroan untuk melakukan segala tindakan yang
diperlukan sehubungan dengan Penawaran Umum Terbatas VIII (PUT VIII) dengan Memberikan Hak Memesan Efek
Terlebih Dahulu (HMETD) Perseroan, termasuk rencana penyertaan modal dalam bentuk aset (inbreng) mencangkup
namun tidak terbatas dengan memenuhi syaratsyarat yang ditentukan dalam peraturan perundangundangan yang
berlaku termasuk POJK No. 32/2015 juncto POJK No. 14/2019, antara lain meliputi : / Grant approval to authorize the
Company's Board of Directors to take all necessary actions in connection with Rights Issue VIII (PUT VIII) by Granting
Preemptive Rights (HMETD), including the proposed capital injection in the form of assets (inbreng), including but not
limited to fulfilling the requirements stipulated under applicable laws and regulations including POJK No. 32/2015 in
conjunction with POJK No. 14/2019, among others:
a. Menentukan kepastian jumlah saham yang dikeluarkan dalam rangka Penawaran Umum Terbatas VIII (PUT VIII)
dengan Memberikan Hak Memesan Efek Terlebih Dahulu (HMETD). / Determining the definitive number of shares to
be issued in connection with Rights Issue VIII (PUT VIII) by Granting Preemptive Rights (HMETD).
b. Menentukan rasiorasio Pemegang Saham yang berhak atas Penawaran Umum Terbatas VIII (PUT VIII) dengan
Memberikan Hak Memesan Efek Terlebih Dahulu (HMETD). / Determining the ratios for Shareholders entitled to
Rights Issue VIII (PUT VIII) by Granting Preemptive Rights (HMETD).
c. Menentukan harga pelaksanaan dalam rangka Penawaran Umum Terbatas VIII (PUT VIII) dengan Memberikan
Hak Memesan Efek Terlebih Dahulu (HMETD) dengan persetujuan Dewan Komisaris. / Determining the exercise
price for Rights Issue VIII (PUT VIII) by Granting Preemptive Rights (HMETD), with the approval of the Board of
Commissioners.
d. Menentukan kepastian tanggal Daftar Pemegang Saham (DPS) yang berhak atas Hak Memesan Efek Terlebih
Dahulu (HMETD). / Determining the definitive date of the Shareholders Register (DPS) entitled to Preemptive Rights
(HMETD).
e. Menentukan kepastian penggunaan dana / Determining the definitive use of proceeds.
f. Menentukan kepastian jadwal Penawaran Umum Terbatas VIII (PUT VIII) dengan Memberikan Hak Memesan Efek
Terlebih Dahulu HMETD). / Determining the definitive schedule of Rights Issue VIII (PUT VIII) by Granting Preemptive
Rights (HMETD).
g. Menandatangani dokumendokumen yang diperlukan dalam rangka Penawaran Umum Terbatas VIII (PUT VIII)
termasuk aktaakta Notaris berikut perubahanperubahannya dan/atau penambahan penambahannya. / Signing all
documents required in connection with Rights Issue VIII (PUT VIII), including Notarial deeds and any amendments
and/or additions thereto.
3. Memberikan persetujuan atas perubahan Anggaran Dasar Perseroan sehubungan dengan Peningkatan Modal Dasar
dan penambahan Modal Disetor/Ditempatkan dalam Perseroan setelah Penawaran Umum Terbatas VIII (PUT VIII)
dengan Memberikan Hak Memesan Efek Terlebih Dahulu (HMETD), termasuk rencana penyertaan modal dalam bentuk
aset (inbreng) selesai dilaksanakan. / Memberikan persetujuan atas perubahan Anggaran Dasar Perseroan sehubungan
dengan Peningkatan Modal Dasar dan penambahan Modal Disetor/Ditempatkan dalam Perseroan setelah Penawaran
Umum Terbatas VIII (PUT VIII) dengan Memberikan Hak Memesan Efek Terlebih Dahulu (HMETD), termasuk rencana
penyertaan modal dalam bentuk aset (inbreng) selesai dilaksanakan.
4. Memberikan persetujuan untuk memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan untuk
menyatakan realisasi jumlah saham yang telah dikeluarkan dalam Penawaran Umum Terbatas VIII (PUT VIII) dengan
Memberikan Hak Memesan Efek Terlebih Dahulu (HMETD) termasuk rencana penyertaan modal dalam bentuk aset
(inbreng) tersebut, melaksanakan keputusan Rapat dan menetapkan kepastian jumlah modal ditempatkan dan disetor
serta menyatakan perubahan Anggaran Dasar Perseroan di hadapan Notaris, sehubungan dengan Penawaran Umum
Terbatas VIII (PUT VIII) dengan Memberikan Hak Memesan Efek Terlebih Dahulu (HMETD) setelah dilaksanakan,
selanjutnya memberitahukan perubahan Anggaran Dasar Perseroan tersebut kepada Menteri Hukum Dan Hak Asasi
Manusia Republik Indonesia, dan melakukan segala tindakan yang diperlukan sehubungan dengan keputusan tersebut
sesuai dengan peraturan perundangundangan yang berlaku. / Grant approval for the amendment of the Company's
Articles of Association in connection with the increase of Authorized Capital and the addition of Issued/Paidup Capital
in the Company upon completion of Rights Issue VIII (PUT VIII) by Granting Preemptive Rights (HMETD), including
the proposed capital injection in the form of assets (inbreng). Grant approval to authorize the Company's Board of
Commissioners to declare the realization of the number of shares issued under Rights Issue VIII (PUT VIII) by Granting
Preemptive Rights (HMETD), including the proposed capital injection in the form of assets (inbreng), to implement the
Meeting's resolutions, to determine the definitive amount of issued and paidup capital, and to declare the amendment
of the Company's Articles of Association before a Notary in connection with Rights Issue VIII (PUT VIII) by Granting
Preemptive Rights (HMETD) upon its execution, and thereafter to notify the said amendment to the Minister of Law
and Human Rights of the Republic of Indonesia, and to take all necessary actions in connection with said resolution in
accordance with applicable laws and regulations.
Status Perseroan akan memintakan kembali persetujuan Pemegang Saham dalam RUPS terkait Penambahan Modal dengan
Memberikan Hak Memesan Efek Terlebih Dahulu (PMHMETD) melalui Penawaran Umum Terbatas VIII (PUT VIII)
termasuk rencana Penyertaan Modal Dalam Bentuk Aset (Inbreng) dan Perubahan Pasal 4 ayat 2 Anggaran Dasar
Peseroan / The Company will re-seek Shareholder approval at the GMS regarding the Capital Increase by Granting Pre-
emptive Rights (PMHMETD) through Rights Issue VIII (PUT VIII), including the proposed Capital Injection in the Form of
Assets (Inbreng) and Amendment to Arti-cle 4 paragraph 2 of the Company's Articles of Association.Telah direalisasikan.
220 Laporan Tahunan & Laporan Keberlanjutan 2025
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RUPB LB 28 NOVEMBER 2025 EGMS ON NOVEMBER 28, 2025
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Mekanisme RUPSLB EGMS Mechanism
Informasi kepada pemegang saham: Information to shareholders:
1. Pengumuman Rapat Umum Pemegang Saham 1. Announcement of the Extraordinary General Meeting of
Luar Biasa PT Bank Pembangunan Daerah Banten Shareholders of PT Bank Pembangunan Daerah Banten
(Perseroda) Tbk tanggal 22 Oktober 2025 yang (Perseroda) Tbk dated October 22, 2025, published
dipublikasikan melalui situs web Perseroan, web through the Company's website, the Indonesia Stock
Bursa Efek Indonesia dan web Kustodian Sentral Efek Exchange website, and the Indonesian Central
Indonesia. Securities Depository (KSEI) website.
2. Pemanggilan Rapat Umum Pemegang Saham Luar 2. Notice of the Extraordinary General Meeting of
Biasa (RUPS Luar Biasa) PT Bank Pembangunan Shareholders (EGMS) of PT Bank Pembangunan
Daerah Banten (Perseroda) Tbk pada tanggal 6 Daerah Banten (Perseroda) Tbk dated November 6,
November 2025 yang dipublikasikan melalui situs 2025, published through the Company's website, the
web Perseroan, web Bursa Efek Indonesia dan web Indonesia Stock Exchange website, and the Indonesian
Kustodian Sentral Efek Indonesia. Central Securities Depository (KSEI) website.
• Kuorum kehadiran sebanyak 35.124.677.326 saham • The attendance quorum consisted of 35,124,677,326
atau 67,7162% dari keseluruhan saham sebanyak shares, or 67.7162% of the total 51,870,438,266 shares.
51.870.438.266 saham. • During the Meeting, participants were given the
• Dalam Rapat diberikan kesempatan untuk mengajukan opportunity to raise questions and/or provide opinions
pertanyaan dan/atau memberikan pendapat terkait regarding each agenda item of the Meeting.
setiap mata acara Rapat. • The decision-making mechanism during the Meeting
• Mekanisme pengambilan keputusan dalam Rapat was conducted through deliberation to reach consensus.
dilakukan dengan cara musyawarah untuk mufakat. In the event that consensus could not be reached, a vote
Apabila musyawarah untuk mufakat tidak tercapai, was conducted.
maka dilakukan pemungutan suara. •
KEHADIRAN RUPSLB EGMS ATTENDANCE
Daftar Kehadiran Dewan Komisaris dan Direksi dalam List of Attendance of the Board of Commissioners and
RUPSLB Tahun 2025 Directors at the 2025 Extraordinary General Meeting of
Shareholders
Kehadiran RUPS /
Nama / Name Jabatan / Position
GMS Attendance
Dewan Komisaris / Board of Commissioners
Hoiruddin Hasibuan Komisaris Utama Independen / Independent President Commissioner Hadir / Present
Deden Riki Hayatul Firman Komisaris Independen / Independent Commissioner Hadir / Present
Rina Dewiyanti* Komisaris / Commissioner Hadir / Present
Direksi / Board of Directors
Muhammad Busthami Direktur Utama / President Director Hadir / Present
Bambang Widyatmoko Direktur Bisnis / Director of Business Hadir / Present
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Rodi Judo Dahono Direktur Operasional / Director of Operations Hadir / Present
Eko Virgianto Direktur Kepatuhan / Director of Compliance Tidak Hadir / Not Present
*) Ibu Rina Dewiyanti diangkat menjadi Komisaris berdasarkan RUPST *) Ms. Rina Dewiyanti was appointed as Commissioner pursuant to the
tanggal 10 April 2025 dan sudah efektif tanggal 5 Agustus 2025. Annual General Meeting of Shareholders (AGMS) dated April 10, 2025, and
became effective on August 5, 2025.
2025 Annual Report & Sustainability Report 221
Page 224
Keputusan RUPSLB EGMS Resolution
Mata Acara Pertama / First Agenda
Agenda Persetujuan Penetapan PT Bank Pembangunan Daerah Jawa Timur Tbk sebagai Pemegang Saham
Pengendali (PSP) Kedua dan Bank Induk Kelompok Usaha Bank (KUB) Perseroan sesuai dengan amanat
Peraturan Otoritas Jasa Keuangan (POJK) No. 12/POJK.03/2020 tentang Konsolidasi Bank Umum. /
Approval of the Appointment of PT Bank Pembangunan Daerah Jawa Timur Tbk as the Second Controlling
Shareholder (PSP) and Parent Bank of the Company’s Bank Business Group (KUB), in accordance with the
mandate of OJK Regulation No. 12/POJK.03/2020 on Commercial Bank Consolidation.
Hasil Pemungutan Setuju / Agree 35.105.217.113 suara atau 99,9446% / 35,105,217,113 votes or 99.9446%
Suara / Voting Results Tidak Setuju / Disagree 15.651.200 suara atau 0,0446% / 15,651,200 votes or 0.0446%
Abstain 3.809.03 suara atau 0,0108% / 3,809,013 votes or 0.0108%
Tanggapan/Pertanyaan Terdapat 3 (tiga) Pemegang Saham mengajukan pertanyaan / 3 (three) Shareholders raised questions.
/ Responses/Questions
Hasil Keputusan / Rapat memutuskan: / The Meeting resolved to:
Resolutions Menyetujui penetapan PT Bank Pembangunan Daerah Jawa Timur Tbk sebagai Pemegang Saham
Pengendali (PSP) Kedua dan Bank Induk Kelompok Usaha Bank (KUB) Perseroan sesuai dengan amanat
Peraturan Otoritas Jasa Keuangan (POJK) 12/POJK.03/2020 tentang Konsolidasi Bank Umum. Penetapan
akan berlaku efektif setelah memperoleh persetujuan dari Otoritas Jasa Keuangan (OJK). / Approve the
appointment of PT Bank Pembangunan Daerah Jawa Timur Tbk as the Second Controlling Shareholder
(PSP) and Parent Bank of the Company's Bank Business Group (KUB), in accordance with the mandate of
OJK Regulation No. 12/POJK.03/2020 on Commercial Bank Consolidation. The appointment shall become
effective upon receipt of approval from the Financial Services Authority (OJK).
Status Telah terealisasi dengan masuknya PT Bank Pembangunan Daerah Jawa Timur Tbk. Sebagai
Pemegang Saham Pengendali Kedua perseroan. Sesuai surat OJK Nomor: SR496/PB.02/2025 tanggal
28 November 2025 perihal Penyampaian Keputusan Hasil Penilaian Kemampuan dan Kepatutan (PKK)
atau Calon Pemegang Saham (PSP) dan Ultimate Shareholder PT Bank Pembangunan Daerah Banten
(Perseroda) Tbk, dengan surat keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Nomor
KEPR227/D.03/2025 tanggal 28 November 2025 tentang Hasil Penilaian Kemampuan dan Kepatutan
PT Bank Pembangunan Daerah Jawa Timur Tbk sebagai Calon Pemegang Saham Pengendali dan
Pemerintah Provinsi Jawa Timur sebagai Calon Ultimate Sharesholder PT Bank Pembangunan Daerah
Banten (Perseroda) Tbk melalui Pembelian Saham. / Realized, with the entry of PT Bank Pembangunan
Daerah Jawa Timur Tbk as the Company's Second Controlling Shareholder. Pursuant to OJK Letter No.
SR496/PB.02/2025 dated November 28, 2025, concerning the Submission of the Decision on the Results
of the Fit and Proper Assessment (PKK) of the Prospective Controlling Shareholder (PSP) and Ultimate
Shareholder of PT Bank Pembangunan Daerah Banten (Perseroda) Tbk, and the Decree of the Member of
the Board of Commissioners of the Financial Services Authority No. KEPR227/D.03/2025 dated November
28, 2025, concerning the Results of the Fit and Proper Assessment of PT Bank Pembangunan Daerah Jawa
Timur Tbk as Prospective Controlling Shareholder and the East Java Provincial Government as Prospective
Ultimate Shareholder of PT Bank Pembangunan Daerah Banten (Perseroda) Tbk through Share Purchase.
KUB efektif pada tanggal 15 Desember 2025. / The KUB became effective on December 15, 2025.
Mata Acara Kedua / Second Agenda
Agenda Persetujuan atas Rencana Aksi Pemulihan Perseroan sesuai Peraturan Perundangan yang berlaku
Persetujuan atas Rencana Aksi Pemulihan Perseroan sesuai Peraturan Perundangan yang berlaku. /
Approval of the Company’s Recovery Action Plan in accordance with applicable laws and regulations.
Hasil Pemungutan Setuju / Agree 35.105.221.013 suara atau 99,9446% / 35,105,221,013 votes or 99.9446%
Suara / Voting Results Tidak Setuju / Disagree 1.010.600 suara atau 0,0029% / 1,010,600 votes or 0.0029%
Abstain 18.445.713 suara atau 0,0525% / 18,445,713 votes or 0.0525%
Tanggapan/Pertanyaan Terdapat 1 (satu) Pemegang Saham mengajukan pertanyaan / 1 (one) Shareholder raised a question.
/ Responses/Questions
Hasil Keputusan / Rapat memutuskan: / The Meeting resolved to:
Resolutions Memberikan persetujuan atas Rencana Aksi Pemulihan Perseroan Tahun 2026 sesuai peraturan
perundangan yang berlaku. / Approve the Company's Recovery Action Plan for 2026 in accordance with
applicable laws and regulations.
Status Telah direalisasikan. / Realized.
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PENUNJUKAN PIHAK INDEPENDEN DALAM APPOINTMENT OF INDEPENDENT PARTIES FOR
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
PEMUNGUTAN SUARA RUPS TAHUN 2024 VOTING AT THE 2024 AGMS
Di tahun 2025, Bank Banten telah menunjuk pihak In 2025, Bank Banten appointed independent parties,
independen, yakni Notaris Syarifudin S.H. dan Biro namely Notary Syarifudin S.H. and the Share Registrar
Administrasi Efek (BAE) PT Raya Saham Registra dalam (BAE) PT. Raya Saham Registra for the Annual General
RUPS Tahunan untuk Tahun Buku 2024. Penunjukan pihak Meeting of Shareholders (AGMS) for the 2024 fiscal year.
independen dilakukan untuk melakukan perhitungan dan/ The appointment of these independent parties aimed
atau validasi suara dengan objektif dan transparan dalam to ensure objective and transparent calculation and/or
RUPS. validation of votes during the AGMS.
PELAKSANAAN RUPS TAHUN SEBELUMNYA PREVIOUS GMS IMPLEMENTATION
RUPS 2024 2024 GMS
Di tahun 2024, Perseroan melaksanakan Rapat Umum In 2024, the Company held a total of 3 (three) General
Pemegang Saham sebanyak 3 (tiga) kali, yang terdiri dari Meetings of Shareholders, including 2 (two) Extraordinary
Rapat Umum Pemegang Saham Luar Biasa sebanyak 2 General Meetings of Shareholders (EGMS) on February 23,
(dua) kali, masing-masing pada tanggal 23 Februari 2024 2024, and November 14, 2024, and 1 (one) Annual General
dan 14 November 2024 dan Rapat Umum Pemegang Meeting of Shareholders (AGMS) on April 30, 2024.
Saham Tahunan sebanyak 1 (kali) kali pada tanggal 30
April 2024.
Hasil Keputusan RUPS GMS Resolutions
Status/Tindak
Hasil Keputusan /
Lanjut /
Resolutions
Status/Follow-Up
RUPST - 30 April 2024 / AGMS – April 30, 2024
Rapat menyetujui / The meeting resolved to: Telah direalisasikan
1. Menerima dengan baik dan menyetujui Laporan Tahunan Perseroan termasuk Laporan Direksi dan mengesahkan Laporan / Realized
Tugas Pengawasan yang telah dilaksanakan oleh Dewan Komisaris untuk tahun buku yang berakhir pada tanggal 31 Desember
2023, dan mengesahkan Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2023,
yang telah diaudit oleh Kantor Akuntan Publik Kanaka Puradiredja, Suhartono dengan pendapat “wajar dalam semua hal yang
material” sebagaimana dinyatakan dalam laporannya Nomor 00011/3.0409/ AU.1/07/ 0524-2/1/II/2024 tanggal 19 Februari
2024. / Duly receive and approve the Company’s Annual Report, including the Report of the Board of Directors, and to ratify
the Supervisory Report of the Board of Commissioners for the financial year ended December 31, 2023. The meeting also
ratified the Company’s Financial Statements for the financial year ended December 31, 2023, which were audited by the Public
Accounting Firm Kanaka Puradiredja, Suhartono, with an “unqualified opinion in all material respects,” as stated in its report No.
00011/3.0409/AU.1/07/0524-2/1/II/2024 dated February 19, 2024.
2. Menyetujui memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (acquet et de charge) kepada segenap
anggota Direksi dan anggota Dewan Komisaris atas tindakan pengurusan dan pengawasan yang telah dijalankan selama tahun
buku yang berakhir pada tanggal 31 Desember 2023, sejauh tindakan-tindakan tersebut tercermin dalam Laporan Tahunan dan
Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2023. / Approve the full release and
discharge (acquit et de charge) of all members of the Board of Directors and Board of Commissioners for the management and
supervisory actions carried out during the financial year ended December 31, 2023, to the extent that such actions are reflected
in the Annual Report and Financial Statements for the fiscal year ending on December 31, 2023.
Rapat menyetujui / The meeting resolved to: Telah direalisasikan
Memberi wewenang kepada Dewan Komisaris untuk melakukan Penunjukan Akuntan Publik yang akan mengaudit Laporan / Realized
Keuangan Perseroan Tahun Buku 2024 dengan memperhatikan rekomendasi dari Komite Audit dan untuk menetapkan jumlah
honorarium. / Grant authority to the Board of Commissioners to appoint a Public Accountant to audit the Company’s Financial
Statements for the 2024 fiscal year, taking into consideration the recommendation from the Audit Committee, and to determine the
amount of honorarium.
Rapat menyetujui / The meeting resolved to: Telah direalisasikan
Penetapan Laba Bersih Perseroan untuk dijadikan sebagai laba ditahan yang bermanfaat bagi penguatan permodalan yang akan / Realized
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
mendukung peningkatan bisnis Bank Banten secara berkelanjutan. / Allocate the Company’s Net Profit to retained earnings, which
will be used to strengthen the Company’s capital base and support the sustainable growth of Bank Banten’s business.
Penyampaian Laporan realisasi penggunaan dana hasil Penawaran Umum Terbatas VI dan Penawaran Umum Terbatas VII Telah direalisasikan
Perseroan. / Submission of the report on the realization of the use of proceeds from the Company’s Limited Public Offering VI and / Realized
Limited Public Offering VII.
Rapat menyetujui / The meeting resolved to: Telah direalisasikan
Penetapan PT Bank Pembangunan Daerah Jawa Timur Tbk. sebagai Bank Induk dalam Keja sama Kelompok Usaha Bank (KUB) / Realized
dalam rangka pemenuhan modal inti minimum sesuai POJK No.12/2020 tentang Konsolidasi Bank Umum. / Appoint PT Bank
Pembangunan Daerah Jawa Timur Tbk as the Parent Bank in the Bank Business Group (KUB) cooperation, in order to meet the
minimum core capital requirements in accordance with OJK Regulation No. 12/2020 on Commercial Bank Consolidation.
RUPSLB - 23 Februari 2024 / EGMS – February 23, 2024
2025 Annual Report & Sustainability Report 223
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Status/Tindak
Hasil Keputusan /
Lanjut /
Resolutions
Status/Follow-Up
Rapat menyetujui untuk / The meeting resolved to: Telah direalisasikan
1. Merubah ketentuan Pasal 1 ayat 1 yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article 1 paragraph / Realized
1, which shall henceforth read as follows:
Perseroan ini bernama : “PT BANK PEMBANGUNAN DAERAH BANTEN (Perseroda) Tbk” (selanjutnya dalam Anggaran Dasar
ini cukup di singkat dengan “Perseroan”) berkedudukan dan berkantor pusat di Kota Serang, Provinsi Banten dan selanjutnya
menggunakan sebutan (call name) “BANK BANTEN” / The name of the Company is: “PT BANK PEMBANGUNAN DAERAH
BANTEN (Perseroda) Tbk” (hereinafter in these Articles of Association referred to as the “Company”), domiciled and headquartered
in Serang City, Banten Province, and hereinafter also referred to as “BANK BANTEN.”
2. Merubah ketentuan Pasal 3 ayat 1 dan 2 huruf a yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of
Article 3 paragraphs 1 and 2 letter a, which shall henceforth read as follows:
(1) Maksud dan tujuan Perseroan ialah berusaha dibidang Aktivitas Keuangan (Perbankan). / The purpose and objective of the
Company are to engage in Financial Activities (Banking).
(2) Untuk mencapai maksud dan tujuan tersebut di atas, Perseroan dapat melaksanakan kegiatan usaha Bank Umum
Konvensional yang mencakup kegiatan usaha bank secara konvensional, meliputi kegiatan usaha sebagai berikut: / To
achieve the above purpose and objective, the Company may carry out the business activities of a Conventional Commercial
Bank, which includes conventional banking activities as follows:
a. Bank Umum Pemerintah Daerah, mencakup kegiatan Bank yang seluruh atau sebagian besar modalnya dimiliki oleh
Pemerintah Daerah sebagaimana tercantum dalam peraturan perundang-undangan yang berlaku serta melakukan
kegiatan usaha dalam bentuk rupiah dan atau melakukan transaksi perbankan dengan pihak dalam negeri. Untuk
selanjutnya Bank dapat melakukan kegiatan usaha dalam valuta asing dan/atau melakukan transaksi perbankan
dengan pihak luar negeri setelah memperoleh surat penunjukan dari Bank Indonesia dan/atau otoritas yang
berwenang menunjuk sebagai Bank Devisa. / Regional Government-Owned Commercial Bank, covering banking
activities in which all or a majority of the capital is owned by the Regional Government as stipulated in the prevailing
laws and regulations, and conducting business activities in rupiah and/or banking transactions with domestic parties.
Furthermore, the Bank may conduct business activities in foreign currencies and/or engage in banking transactions
with foreign parties after obtaining a letter of appointment from Bank Indonesia and/or the relevant authority designating
it as a Foreign Exchange Bank.
3. Merubah ketentuan Pasal 4 ayat 2 yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article 4
paragraph 2, which shall henceforth read as follows:
Dari modal dasar tersebut telah ditempatkan dan disetor sejumlah 51.870.438.266 (lima puluh satu miliar delapan ratus tujuh
puluh juta empat ratus tiga puluh delapan ribu dua ratus enam puluh enam) saham atau dengan nilai nominal seluruhnya
sebesar Rp4.308.864.114.540,00 (empat triliun tiga ratus delapan miliar delapan ratus enam puluh empat juta seratus empat
belas ribu lima ratus empat puluh Rupiah) telah disetor penuh kepada Perseroan oleh masing-masing pemegang saham
yang terdiri dari: / Of the authorized capital, a total of 51,870,438,266 (fifty-one billion eight hundred seventy million four
hundred thirty-eight thousand two hundred sixty-six) shares have been issued and fully paid-up, with a total nominal value of
Rp4,308,864,114,540.00 (four trillion three hundred eight billion eight hundred sixty-four million one hundred fourteen thousand
five hundred forty Rupiah), fully paid to the Company by each shareholder, consisting of:
• 1.075.511.715 (satu miliar tujuh puluh lima juta lima ratus sebelas ribu tujuh ratus lima belas) saham Seri A, masing-
masing saham Seri A bernilai nominal sebesar Rp1.000,00 (seribu Rupiah) atau dengan jumlah nilai nominal seluruhnya
sebesar Rp1.075.511.715.000,00 (satu triliun tujuh puluh lima milyar lima ratus sebelas juta tujuh ratus lima belas ribu
Rupiah). / 1,075,511,715 (one billion seventy-five million five hundred eleven thousand seven hundred fifteen) Series A
shares, each Series A share having a nominal value of Rp1,000.00 (one thousand Rupiah), with a total nominal value
of Rp1,075,511,715,000.00 (one trillion seventy-five billion five hundred eleven million seven hundred fifteen thousand
Rupiah).
• 5.335.431.323 (lima miliar tiga ratus tiga puluh lima juta empat ratus tiga puluh satu ribu tiga ratus dua puluh tiga) saham
Seri B, masing-masing saham Seri B bernilai nominal sebesar Rp180,00 (seratus delapan puluh Rupiah) setiap saham
dengan jumlah nilai nominal seluruhnya sebesar Rp960.377.638.140,00 (sembilan ratus enam puluh milyar tiga ratus tujuh
puluh tujuh juta enam ratus tiga puluh delapan ribu seratus empat puluh Rupiah). / 5,335,431,323 (five billion three hundred
thirty-five million four hundred thirty-one thousand three hundred twenty-three) Series B shares, each Series B share
having a nominal value of Rp180.00 (one hundred eighty Rupiah), with a total nominal value of Rp960,377,638,140.00
(nine hundred sixty billion three hundred seventy-seven million six hundred thirty-eight thousand one hundred forty Rupiah).
• 45.459.495.228 (empat puluh lima miliar empat ratus lima puluh sembilan juta empat ratus sembilan puluh lima ribu dua
ratus dua puluh delapan) Saham Seri C masing-masing saham Seri C bernilai nominal sebesar Rp50,00 (lima puluh
Rupiah) setiap saham dengan jumlah nilai nominal seluruhnya sebesar Rp2.272.974.761.400 (dua triliun dua ratus
tujuh puluh dua miliar Sembilan ratus tujuh puluh empat juta tujuh ratus enam puluh satu ribu empat ratus Rupiah). /
5,459,495,228 (forty-five billion four hundred fifty-nine million four hundred ninety-five thousand two hundred twenty-eight)
Series C shares, each Series C share having a nominal value of Rp50.00 (fifty Rupiah), with a total nominal value of
Rp2,272,974,761,400.00 (two trillion two hundred seventy-two billion nine hundred seventy-four million seven hundred
sixty-one thousand four hundred Rupiah).
dengan rincian serta nilai nominal saham yang disebutkan sebelum akhir akta ini. / with the details and nominal values of shares
as stated prior to the conclusion of this deed.
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Resolutions
Status/Follow-Up
4. Merubah ketentuan Pasal 5 ayat 1 sampai dengan ayat 4 yang untuk selanjutnya berbunyi sebagai berikut: / Amend the
provisions of Article 5 paragraphs 1 to 4, which shall henceforth read as follows:
1. Saham-saham Perseroan adalah saham-saham atas nama, sebagaimana terdaftar dalam Daftar Pemegang Saham
Perseroan, yang terdiri dari Saham Seria A, Saham Seri B dan Saham Seri C, yang dimiliki oleh Pemerintah Daerah
Provinsi Banten (selanjutnya disebut Pemerintah Daerah) paling sedikit 51% (lima puluh satu persen) berdasarkan
Peraturan Daerah Provinsi Banten Nomor 5 Tahun 2023. / The Company’s shares are registered shares, as recorded in
the Company’s Shareholder Register, consisting of Series A Shares, Series B Shares, and Series C Shares, of which at
least 51% (fifty-one percent) must be held by the Regional Government of Banten Province (hereinafter referred to as the
“Regional Government”) in accordance with Banten Provincial Regulation No. 5 of 2023.
Modal ditempatkan dan disetor tersebut berasal dari pengambilalihan saham Pemerintah Daerah pada PT. Banten Global
Development dan dikonversikan menjadi nilai saham pada Perseroan. / The issued and paid-up capital originates from the
transfer of the Regional Government’s shares in PT Banten Global Development, which have been converted into shares of
the Company.
2. Selain komposisi Saham Pemerintah Daerah sebagaimana dimaksud pada ayat (1) di atas, Saham-saham Perseroan
dapat dimiliki oleh: / In addition to the Regional Government share composition as referred to in paragraph (1) above, the
Company’s shares may also be held by
a. Pemerintah Kabupaten/Kota; dan/atau / Regency/Municipal Governments; and/or
b. Masyarakat / The public.
3. Saham Pemerintah Daerah sebagaimana dimaksud ayat 2 di atas, dapat dilepaskan kepada Pemerintah Kabupaten/Kota
melalui penyerahan saham sesuai ketentuan perundang-undangan yang berlaku. / The Regional Government shares as
referred to in paragraph (2) above may be transferred to Regency/Municipal Governments through the transfer of shares in
accordance with applicable laws and regulations.
4. Penyerahan saham dari Pemerintah Daerah kepada Pemerintah Kabupaten/ Kota dikonversikan oleh Pemerintah Kabupaten/
Kota menjadi penyertaan modal pada Perseroan. / The transfer of shares from the Regional Government to Regency/Municipal
Governments shall be converted by the Regency/Municipal Governments into equity participation in the Company.
5. Merubah ketentuan Pasal 11 ayat 8 angka (22) Anggaran Dasar Perseroan yang untuk selanjutnya berbunyi sebagai berikut:
/ Amend the provisions of Article 11 paragraph 8 point (22) of the Company’s Articles of Association, which shall henceforth
read as follows:
Pengumuman sebagaimana dimaksud pada butir (7) ayat ini paling kurang melalui / Announcements as referred to in item (7)
of this paragraph shall be made at least through
a. situs web penyedia e-RUPS; / the e-GMS provider’s website;
b. situs web Bursa Efek; / the Stock Exchange website;
c. situs web Perseroan. / the Company’s website.
dalam Bahasa Indonesia dan bahasa asing, dengan ketentuan bahasa asing yang digunakan paling kurang bahasa Inggris / in
Indonesian and a foreign language, with the foreign language used being at least English.
6. Merubah ketentuan Pasal 12 ayat 6 angka (5) yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article
12 paragraph 6 point (5), which shall henceforth read as follows:
Pengumuman RUPS kepada Pemegang Saham sebagaimana dimaksud pada butir (1) ayat ini paling kurang melalui: /
Announcements of the GMS to Shareholders as referred to in item (1) of this paragraph shall be made at least through:
a. situs web penyedia e-RUPS; / the e-GMS provider’s website;
b. situs web Bursa Efek; / the Stock Exchange website;
c. situs web Perseroan. / the Company’s website.
dalam Bahasa Indonesia dan bahasa asing, dengan ketentuan bahasa asing yang digunakan paling kurang bahasa Inggris. /
in Indonesian and a foreign language, with the foreign language used being at least English.
7. Merubah ketentuan Pasal 14 ayat 7 angka (3) yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article
14 paragraph 7 point (3), which shall henceforth read as follows:
Ringkasan risalah RUPS sebagaimana dimaksud pada butir (2) ayat ini, wajib diumumkan kepada masyarakat paling kurang
melalui: / A summary of the minutes of the GMS as referred to in item (2) of this paragraph must be announced to the public at
least through:
a. situs web penyedia e-RUPS; / the e-GMS provider’s website;
b. situs web Bursa Efek; / the Stock Exchange website;
c. situs web Perseroan. / the Company’s website.
dalam Bahasa Indonesia dan bahasa asing, dengan ketentuan bahasa asing yang digunakan paling kurang bahasa Inggris. /
in Indonesian and a foreign language, with the foreign language being at least English.
8. Merubah ketentuan Pasal 15 ayat 2 yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article 15
paragraph 2, which shall henceforth read as follows:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Direksi terdiri dari paling sedikit 3 (tiga) orang, yang terdiri dari: / The Board of Directors shall consist of at least 3 (three)
persons, comprising:
− 1 (satu) orang Direktur Utama; / 1 (one) President Director;
− 2 (dua) orang Direktur atau lebih. / 2 (two) or more Directors.
dan paling banyak 5 (lima) orang, dengan memperhatikan peraturan yang berlaku di bidang Pasar Modal. / and a maximum of 5
(five) persons, in accordance with applicable Capital Market regulations.
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Status/Follow-Up
9. Merubah ketentuan Pasal 15 ayat 12 huruf f dan g yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of
Article 15 paragraph 12 letters f and g, which shall henceforth read as follows:
f. Pemberhentian atau penggantian anggota Direksi wajib mengedepankan kepentingan utama dari Perseroan. / The
dismissal or replacement of members of the Board of Directors must prioritize the best interests of the Company.
g. Pemberhentian atau penggantian direktur utama dan/atau direktur yang membawahkan fungsi kepatuhan sebelum periode
masa jabatan berakhir wajib mendapatkan persetujuan terlebih dahulu dari OJK sebelum diputuskan dalam RUPS. / The
dismissal or replacement of the President Director and/or Director responsible for compliance functions before the end of
their term must first obtain prior approval from OJK before being decided at the GMS.
10. Merubah ketentuan Pasal 16 ayat 4 yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article 16
paragraph 4 to henceforth read as follows:
Dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawab sebagaimana dimaksud pada ayat 1 Direksi
wajib membentuk komite Direksi yang bertanggung jawab kepada Direksi paling sedikit terdiri atas: / To support the effective
implementation of duties and responsibilities as referred to in paragraph 1, the Board of Directors must establish Board
committees responsible to the Board of Directors, consisting of at least:
a. Komite manajemen risiko; / Risk Management Committee;
b. Komite kebijakan perkreditan atau pembiayaan; / Credit or Financing Policy Committee;
c. Komite kredit atau pembiayaan; / Credit or Financing Committee;
d. Komite pengarah teknologi informasi. / Information Technology Steering Committee.
11. Merubah ketentuan Pasal 18 ayat 1 yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article 18
paragraph 1 to henceforth read as follows:
Dewan Komisaris terdiri dari paling sedikit 3 (tiga) orang, yang terdiri dari: / The Board of Commissioners shall consist of at least
3 (three) persons, comprising:
− 1 (satu) orang Komisaris Utama; / 1 (one) President Commissioner;
− 2 (dua) orang Komisaris atau lebih. / 2 (two) or more Commissioners.
dan paling banyak 5 (lima) orang, dengan memperhatikan peraturan yang berlaku di bidang Pasar Modal. / and a maximum of
5 (five) persons, in accordance with applicable Capital Market regulations.
12. Merubah ketentuan Pasal 18 ayat 16 huruf f yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article
18 paragraph 16 letter f to henceforth read as follows:
Pemberhentian atau penggantian Komisaris Independen sebelum masa jabatannya berakhir wajib mendapat persetujuan dari
OJK terlebih dahulu sebelum diputuskan dalam RUPS. / The dismissal or replacement of an Independent Commissioner before
the end of their term must first obtain prior approval from OJK before being decided at the GMS.
13. Merubah ketentuan Pasal 19 ayat 4 yang untuk selanjutnya berbunyi sebagai berikut : / Amend the provisions of Article 19
paragraph 4 to henceforth read as follows:
Dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawabnya sebagaimana dimaksud pada ayat (1) Pasal
ini Dewan Komisaris wajib membentuk Komite yang bertanggung jawab kepada Dewan Komisaris yang paling sedikit terdiri
dari: / To support the effective implementation of its duties and responsibilities as referred to in paragraph (1) of this Article, the
Board of Commissioners must establish Committees responsible to the Board of Commissioners, consisting of at least:
a. Komite Audit; / Audit Committee;
b. Komite pemantau risiko; / Risk Monitoring Committee;
c. Komite remunerasi dan nominasi. / Remuneration and Nomination Committee.
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Hasil Keputusan /
Lanjut /
Resolutions
Status/Follow-Up
14. Merubah ketentuan Pasal 28 yang untuk selanjutnya berbunyi sebagai berikut: / Amend the provisions of Article 28 to henceforth
read as follows:
- Ketentuan yang belum diatur dalam Anggaran Dasar ini mengacu pada Peraturan OJK serta Peraturan perundang-
undangan lainnya yang berlaku dan dari segala sesuatu yang tidak atau tidak cukup diatur dalam Anggaran Dasar, maka
RUPS yang akan memutuskannya: / Any matters not regulated in these Articles of Association shall refer to the relevant
OJK Regulations and other applicable laws and regulations. For any issues that are not addressed or not sufficiently
regulated in the Articles of Association, the resolution shall be determined by the GMS:
- Adapun saham yang telah disetor penuh sebagaimana tersebut dalam Pasal 4 ayat (2) Anggaran Dasar Perseroan
sejumlah 51.870.438.266 (lima puluh satu miliar delapan ratus tujuh puluh juta empat ratus tiga puluh delapan ribu dua
ratus enam puluh enam) saham atau dengan nilai nominal seluruhnya sebesar Rp4.308.864.114.540,00 (empat triliun tiga
ratus delapan miliar delapan ratus enam puluh empat juta seratus empat belas ribu lima ratus empat puluh Rupiah), telah
diambil bagian dan disetor penuh oleh para pemegang saham Perseroan sebagai berikut: / As for the fully paid-up shares
as stated in Article 4 paragraph (2) of the Company’s Articles of Association, amounting to 51,870,438,266 (fifty-one billion
eight hundred seventy million four hundred thirty-eight thousand two hundred sixty-six) shares with a total nominal value
of Rp4,308,864,114,540.00 (four trillion three hundred eight billion eight hundred sixty-four million one hundred fourteen
thousand five hundred forty Rupiah), they have been subscribed and fully paid by the Company’s shareholders as follows:
1. PEMERINTAH DAERAH PROVINSI BANTEN, sebanyak 3.269.755.661 (tiga miliar dua ratus delapan puluh sembilan
juta tujuh ratus lima puluh lima ribu enam ratus enam puluh satu) saham seri B, dengan nilai nominal per saham
Rp180,00 (seratus delapan puluh Rupiah) atau seluruhnya sebesar Rp588.556.018.980,00 (lima ratus delapan
puluh delapan miliar lima ratus lima puluh enam juta delapan belas ribu sembilan ratus delapan puluh Rupiah); /
PROVINCIAL GOVERNMENT OF BANTEN: 3,269,755,661 (three billion two hundred sixty-nine million seven hundred
fifty-five thousand six hundred sixty-one) Series B shares, with a nominal value of Rp180.00 (one hundred eighty
Rupiah) per share, totaling Rp588,556,018,980.00 (five hundred eighty-eight billion five hundred fifty-six million
eighteen thousand nine hundred eighty Rupiah);
2. PEMERINTAH DAERAH PROVINSI BANTEN, sebanyak 31.020.000.000 (tiga puluh satu miliar dua puluh juta) saham
seri C, dengan nilai nominal per saham Rp50,00 (lima puluh Rupiah) atau seluruhnya sebesar Rp1.551.000.000.000,00
(satu triliun lima ratus lima puluh satu miliar Rupiah); / PROVINCIAL GOVERNMENT OF BANTEN: 31,020,000,000
(thirty-one billion twenty million) Series C shares, with a nominal value of Rp50.00 (fifty Rupiah) per share, totaling
Rp1,551,000,000,000.00 (one trillion five hundred fifty-one billion Rupiah);
3. MASYARAKAT, sebanyak 1.075.511.715 (satu miliar tujuh puluh lima juta lima ratus sebelas ribu tujuh ratus
lima belas) saham Seri A dengan nilai nominal per saham Rp1.000,00 (seribu Rupiah) atau seluruhnya sebesar
Rp1.075.511.715.000,00 (satu triliun tujuh puluh lima miliar lima ratus -sebelas juta tujuh ratus lima belas ribu Rupiah);
/ PUBLIC: 1,075,511,715 (one billion seventy-five million five hundred eleven thousand seven hundred fifteen) Series
A shares, with a nominal value of Rp1,000.00 (one thousand Rupiah) per share, totaling Rp1,075,511,715,000.00 (one
trillion seventy-five billion five hundred eleven million seven hundred fifteen thousand Rupiah);
4. MASYARAKAT, sebanyak 2.065.675.662 (dua miliar enam puluh lima juta - enam ratus tujuh puluh lima ribu enam
ratus enam puluh dua) saham seri B, dengan nilai nominal per saham Rp180,00 (seratus delapan puluh Rupiah)
atau seluruhnya sebesar Rp371.821.619.160,00 (tiga ratus tujuh puluh satu miliar delapan ratus dua puluh satu juta
enam ratus sembilan belas ribu seratus enam puluh Rupiah); / PUBLIC: 2,065,675,662 (two billion sixty-five million six
hundred seventy-five thousand six hundred sixty-two) Series B shares, with a nominal value of Rp180.00 (one hundred
eighty Rupiah) per share, totaling Rp371,821,619,160.00 (three hundred seventy-one billion eight hundred twenty-one
million six hundred nineteen thousand one hundred sixty Rupiah);
5. MASYARAKAT, sebanyak 14.439.495.228 (empat belas miliar empat ratus tiga puluh sembilan juta empat ratus
sembilan puluh lima ribu dua ratus dua puluh delapan) saham seri C, dengan nilai nominal Rp50,00 (lima puluh
Rupiah) atau seluruhnya sebesar Rp721.974.761.400,00 (tujuh ratus dua puluh satu miliar sembilan ratus tujuh
puluh empat juta tujuh ratus enam puluh satu ribu empat ratus Rupiah). / PUBLIC: 14,439,495,228 (fourteen billion
four hundred thirty-nine million four hundred ninety-five thousand two hundred twenty-eight) Series C shares, with a
nominal value of Rp50.00 (fifty Rupiah) per share, totaling Rp721,974,761,400.00 (seven hundred twenty-one billion
nine hundred seventy-four million seven hundred sixty-one thousand four hundred Rupiah).
RUPSLB - 14 November 2024 / EGMS – November 14, 2024
Mata acara pertama Rapat untuk sementara ditunda pembahasannya karena alasan administratif sesuai Surat OJK No.S-567/ Penundaan
PM.023/2024, tanggal 13 Nopember 2024 perihal Perubahan dan/atau Tambahan Informasi atas rencana Penambahan Modal Pembahasan
dengan memberikan Hak Memesan Efek Terlebih Dahulu oleh PT Bank Pembangunan Daerah Banten (Perseroda) Tbk. Mata Acara
Pembahasan Mata Acara Rapat sesuai dengan ketentuan yang berlaku, akan dilakukan setelah Perseroan melengkapi persyaratan Pertama Rapat /
administratif. / The discussion of the first agenda item of the Meeting has been temporarily postponed due to administrative reasons, Postponement of
in accordance with OJK Letter No. S-567/PM.023/2024 dated November 13, 2024, regarding Amendments and/or Additional Discussion on the
Information on the planned Capital Increase by Granting Pre-emptive Rights by PT Bank Pembangunan Daerah Banten (Perseroda) First Agenda Item of
Tbk. The discussion of this Meeting agenda will be conducted in accordance with applicable regulations after the Company has the Meeting
fulfilled the necessary administrative requirements.
Memberikan persetujuan atas Penambahan Pemegang Saham Pengendali Perseroan dalam rangka rencana pembentukan Masih dalam proses
Kelompok Usaha Bank (KUB) dengan PT Bank Pembangunan Daerah Jawa Timur Tbk / Grant approval for the Addition of a / In process
Controlling Shareholder of the Company in connection with the planned establishment of a Bank Business Group (KUB) with PT
Bank Pembangunan Daerah Jawa Timur Tbk.
Rapat menyetujui: / The meeting resolved to: Telah direalisasikan
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Memberikan persetujuan atas Rencana Aksi Pemulihan Perseroan sesuai peraturan yang berlaku. / Grant approval for the / Realized
Company’s Recovery Action Plan in accordance with applicable regulations.
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Lanjut /
Resolutions
Status/Follow-Up
Rapat menyetujui: Telah direalisasikan
1. Memberhentikan dengan hormat Ibu Virgojanti selaku Komisaris Perseroan sejak ditutupnya Rapat ini dan memberikan / Realized
pelepasan dan pembebasan sepenuhnya (acquit et de charge) segala tindakan yang dilakukan olehnya sebagai Pengurus
Perseroan untuk setiap dan seluruh tanggung jawab dan kewajiban yang timbul dari setiap dan seluruh kegiatan dan aktivitas
Perseroan selama menjabat dalam kedudukannya tersebut di Perseroan. / Honorably discharge Ms. Virgojanti from her position
as Commissioner of the Company effective as of the close of this Meeting, and grant her full release and discharge (acquit et
decharge) from any and all actions taken during her tenure as a member of the Company’s management, for all responsibilities
and obligations arising from any and all activities of the Company during her term.
2. Mengangkat Bapak Deden Riki Hayatul Firman selaku Komisaris Independen Perseroan. Dalam hal ini yang bersangkutan
telah lulus penilaian kemampuan dan kepatutan (Fit and Proper Test) dari Otoritas Jasa Keuangan. / Appoint Mr. Deden Riki
Hayatul Firman as Independent Commissioner of the Company. He has successfully passed the Fit and Proper Test conducted
by the Financial Services Authority (OJK).
3. Mengangkat Bapak Usman Asshiddiqi Qohara selaku Komisaris Perseroan, dari Pemerintah Provinsi Banten dalam kedudukan
beliau selaku Pelaksana Jabatan Sekretaris Daerah Pemerintah Provinsi Banten. / Appoint Mr. Usman Asshiddiqi Qohara as
Commissioner of the Company, representing the Provincial Government of Banten in his capacity as Acting Regional Secretary
of the Provincial Government of Banten.
4. Menetapkan kembali susunan Direksi Perseroan dengan penugasan sebagai berikut: / Reaffirm the composition of the Board
of Directors with the following assignments:
Dengan demikian susunan Pengurus Perseroan menjadi sebagai berikut: / As such, the composition of the Company’s management
is as follows:
Direksi / Board of Directors
1. Bapak Muhammad Busthami sebagai Direktur Utama Utama; / Mr. Muhammad Busthami as President Director;
2. Bapak Bambang Widyatmoko sebagai Direktur Bisnis; / Mr. Bambang Widyatmoko as Director of Business;
3. Bapak Eko Virgianto sebagai Direktur Kepatuhan; / Mr. Eko Virgianto as Director of Compliance;
4. Bapak Rodi Judo Dahono sebagai Direktur Operasional. / Mr. Rodi Judo Dahono as Director of Operations.
Dewan Komisaris: / Board of Commissioners:
1. Bapak Brigjen. Pol. (Purn.) Prof. Dr. Hoiruddin Hasibuan, S.H., M.Hum. sebagai Komisaris Utama Independen; / Brigadier
General Pol. (Ret.) Prof. Dr. Hoiruddin Hasibuan, S.H., M.Hum. as Independent Main Commissioner;
2. Bapak Deden Riki Hayatul Firman sebagai Komisaris Independen; / Mr. Deden Riki Hayatul Firman as Independent
Commissioner;
3. Bapak Usman Asshiddiqi Qohara sebagai Komisaris * / Mr. Usman Asshiddiqi Qohara as Commissioner *
*) Berlaku efektif setelah mendapat persetujuan OJK melalui Penilaian Kemampuan dan Kepatutan. / Effective upon approval by
OJK through the Fit and Proper Test..
DEWAN KOMISARIS BOARD OF COMMISSIONERS
Dewan Komisaris merupakan organ perseroan yang The Board of Commissioners is a corporate organ
memiliki peran untuk mengawasi jalannya operasional responsible for overseeing the operations carried out by
yang dilakukan oleh Direksi. Dewan Komisaris juga the Board of Directors. The Board of Commissioners also
berperan untuk memberikan arahan kepada Direksi, serta provides direction to the Board of Directors and ensures
memastikan penerapan Tata Kelola Perusahaan yang Baik comprehensive implementation of Good Corporate
(GCG) dilakukan secara menyeluruh. Governance (GCG).
DASAR HUKUM DEWAN KOMISARIS LEGAL BASIS OF THE BOARD OF COMMISSIONERS
Dalam menjalankan fungsinya, Dewan Komisaris In performing its functions, the Board of Commissioners
berpedoman pada ketentuan sebagai berikut: refers to the following regulations:
a. Undang-Undang No. 40 tahun 2007 tentang Perseroan a. Law No. 40 of 2007 on Limited Liability Companies.
Terbatas.
b. POJK No. 33/POJK.04/2014 tanggal 8 Desember 2014 b. OJK Regulation No. 33/POJK.04/2014 dated December
tentang Direksi dan Dewan Komisaris Emiten atau 8, 2014 on the Board of Directors and Board of
Perusahaan Publik. Commissioners of Issuers or Public Companies.
c. POJK No. 34/POJK.04/2014 tentang Komite Nominasi c. OJK Regulation No. 34/POJK.04/2014 on the
dan Remunerasi Emiten atau Perusahaan Publik. Nomination and Remuneration Committees of Issuers
or Public Companies.
d. POJK No. 17 tahun 2023 tanggal 14 September 2023 d. OJK Regulation No. 1/POJK.03/2019 dated January
tentang Penerapan Tata Kelola bagi Bank Umum. 28, 2019, concerning the Implementation of the Internal
Audit Function at Commercial Banks
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e. POJK No.1/POJK.03/2019 tanggal 28 Januari 2019 e. OJK Regulation No. 17 of 2023 dated September 14,
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
tentang Penerapan Fungsi Audit Intern pada Bank 2023 on Implementation of Governance for Commercial
Umum. Banks.
f. POJK No. 15 tahun 2024 tanggal 9 Oktober 2024 f. POJK No. 15 of 2024 dated October 9, 2024, concerning
tentang Integritas Pelaporan Keuangan Bank. the Integrity of Bank Financial Reporting.
g. Peraturan Bank Indonesia Nomor 23/6/PBI/2021 g. Bank Indonesia Regulation No. 23/6/PBI/2021
tentang Penyedia Jasa Pembayaran. concerning Payment Service Providers.
h. Peraturan Anggota Dewan Gubernur Bank Indonesia h. Bank Indonesia Board of Governors Regulation No.
Nomor 24/7/PADG/2022 tentang Penyelenggara Sistem 24/7/PADG/2022 concerning the Operation of Payment
Pembayaran Oleh Penyedia Jasa Pembayaran dan Systems by Payment Service Providers and Payment
Penyelenggara Infrastruktur Sistem Pembayaran. System Infrastructure Operators.
i. SEOJK No.14/SEOJK.03/2025 tanggal 24 Juni 2025 i. OJK Circular Letter No. 14/SEOJK.03/2025 dated June
tentang Penerapan Tata Kelola bagi Bank Umum. 24, 2025, concerning the Implementation of Governance
for Commercial Banks.
j. Anggaran Dasar Perseroan yang berlaku. j. The prevailing Articles of Association of the Company.
k. Pedoman dan Tata Tertib Kerja Dewan Komisaris. k. Guidelines and Code of Conduct for the Board of
Commissioners.
PEDOMAN KERJA DEWAN KOMISARIS BOARD OF COMMISSIONERS’ WORK GUIDELINES
Perseroan telah menyusun Pedoman dan Tata Tertib The Company has established Guidelines and Code of
Kerja Dewan Komisaris yang tercantum dalam Piagam Conduct for the Board of Commissioners as set forth in the
Dewan Komisaris. Pedoman dan Tata Tertib Kerja Dewan Board of Commissioners Charter. These Guidelines and
Komisaris berfungsi sebagai acuan bagi Bank Banten dalam Code of Conduct serve as a reference for Bank Banten
melaksanakan tugas dan tanggung jawabnya, mengawasi in carrying out its duties and responsibilities, overseeing
kinerja Direksi, serta mendukung Dewan Komisaris dalam the performance of the Board of Directors, and supporting
memperkuat penerapan prinsip Tata Kelola Perusahaan. the Board of Commissioners in strengthening the
implementation of Good Corporate Governance principles.
TUGAS DAN TANGGUNG JAWAB DEWAN DUTIES AND RESPONSIBILITIES OF THE BOARD OF
KOMISARIS COMMISSIONERS
Dalam melaksanakan tugas-tugasnya, Dewan Komisaris In carrying out its duties, the Board of Commissioners
telah memiliki pedoman dan tata tertib kerja yang mengatur is guided by work guidelines and rules that regulate its
tugas dan tanggung jawab, etika dan waktu kerja serta roles and responsibilities, ethics and working hours, as
penyelenggaraan rapat yang dituangkan dalam Surat well as meeting procedures, as stipulated in the Board
Keputusan Dewan Komisaris No. 002/SK/KOM-BB/VI/2024 of Commissioners Decree No. 002/SK/KOM-BB/VI/2024
tanggal 10 Juni 2024 tentang Pedoman dan Tata Tertib dated 10 June 2024 regarding Guidelines and Rules of
Kerja Dewan Komisaris, dengan tugas dan tanggung jawab Procedure for the Board of Commissioners. The duties and
meliputi : responsibilities include:
a. Melakukan pengawasan untuk kepentingan Bank a. Supervising, for the benefit of the Bank, the policies
atas kebijakan dan jalannya pengurusan oleh Direksi, and management conducted by the Board of Directors,
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
memberikan nasihat kepada Direksi, dan bertanggung providing advice to the Board of Directors, and being
jawab atas pengawasan tersebut, sesuai dengan responsible for such supervision, in accordance with the
maksud dan tujuan Bank yang ditetapkan dalam objectives and purposes of the Bank as stipulated by
peraturan perundang- undangan, Anggaran Dasar laws and regulations, the Bank’s Articles of Association,
Bank, dan Keputusan RUPS. and GMS resolutions.
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b. Wajib melaksanakan tugas, wewenang, dan tanggung b. Performing duties, authorities, and responsibilities in
jawab dengan itikad baik dan dengan prinsip kehati- good faith and with prudence.
hatian.
c. Wajib melakukan pengawasan atas pelaksanaan c. Supervising the Board of Directors’ compliance with
tanggung jawab Direksi terhadap kepatuhan regulations concerning consumer protection.
pelaksanaan ketentuan otoritas tentang perlindungan
konsumen.
d. Memastikan terselenggaranya pelaksanaan tata kelola d. Ensuring the implementation of governance in all
dalam setiap kegiatan usaha Bank pada seluruh of the Bank’s business activities at every level of the
tingkatan/jenjang organisasi. organization.
e. Dalam melaksanakan fungsi pengawasan, Dewan e. In performing its supervisory function, the Board of
Komisaris: Commissioners:
i. wajib mengarahkan, memantau dan mengevaluasi i. is obliged to direct, monitor, and evaluate the
pelaksanaan tata kelola, manajemen risiko, dan implementation of governance, risk management,
kepatuhan secara terintegrasi serta kebijakan and compliance in an integrated manner, as well as
strategis Bank, sesuai dengan peraturan perundang- the Bank’s strategic policies, in accordance with laws
undangan, Anggaran Dasar Bank dan Keputusan and regulations, the Bank’s Articles of Association,
RUPS. and GMS resolutions.
ii. dilarang ikut serta dalam pengambilan Keputusan ii. is prohibited from participating in operational
kegiatan operasional Bank, kecuali: decision-making, except for:
1) penyediaan dana kepada pihak terkait sesuai 1) providing funds to related parties as stipulated
Peraturan Otoritas Jasa Keuangan mengenai in OJK regulations regarding the Legal Lending
Batas Maksimum pemberian Kredit dan Limit and Large Exposure for Commercial Banks.
Penyediaan Dana Besar bagi Bank Umum.
2) hal lain yang telah ditetapkan dalam Anggaran 2) other matters specified in the Bank’s Articles of
dasar Bank atau ketentuan dalam peraturan Association or in accordance with prevailing laws
perundang-undangan. and regulations.
iii. Melaksanakan pengawasan secara aktif terhadap iii. Actively supervises the management of non-
pelaksanaan pengelolaan aset bermasalah, performing assets, allowances, and provisioning
penyisihan dan pencadangan yang dilakukan Bank conducted by the Bank in managing credit risk.
dalam pengelolaan risiko kredit.
f. Melakukan pengawasan terhadap tindak lanjut Direksi f. Supervising the follow-up by the Board of Directors on
atas pemeriksaan/temuan audit dan rekomendasi dari audit findings and recommendations from the Bank’s
Satuan Kerja Audit Internal Bank, Auditor Eksternal, Internal Audit Unit, External Auditor, OJK supervision,
hasil pengawasan Otoritas Jasa Keuangan, dan/atau and/or other authorized authorities and institutions.
hasil pengawasan otoritas dan lembaga lain berwenang.
g. Wajib menjaga segala data dan informasi terkait dengan g. Maintaining the confidentiality of all data and information
Bank yang disampaikan oleh Direksi, dan sesuai dengan related to the Bank provided by the Board of Directors,
peraturan perundang-undangan. in accordance with applicable laws and regulations.
h. Dalam kondisi tertentu, wajib menyelenggarakan RUPS h. In certain circumstances, is required to hold the Annual
Tahunan dan RUPS lainnya sesuai kewenangannya GMS and other General Meetings of Shareholders
berdasarkan peraturan perundang-undangan dan as mandated by prevailing laws and the Articles of
Anggaran Dasar; Association;
i) Wajib melaporkan kepada OJK paling lama 5 (lima) i) Must report to OJK no later than 5 (five) business
hari kerja sejak ditemukan. days after discovery of:
ii) Pelanggaran ketentuan peraturan perundang- ii) Violations of laws and regulations in finance,
undangan di bidang keuangan, perbankan, dan banking, and other business activities of the Bank.
yang terkait dengan kegiatan usaha Bank.
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iii) Keadaan atau perkiraan keadaan yang dapat iii) Conditions or potential conditions that may endanger
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
membahayakan kelangsungan usaha Bank. the Bank’s business continuity.
i. Wajib membentuk paling kurang Komite Audit, i. Must establish at least an Audit Committee, a Risk
Komite Pemantau Risiko serta Komite Nominasi dan Monitoring Committee, and a Nomination and
Remunerasi dan wajib melakukan evaluasi atas kinerja Remuneration Committee, and is required to evaluate
komite setiap akhir tahun buku. the performance of these committees at the end of each
fiscal year.
j. Dalam pelaksanaan fungsi Audit Internal, Dewan j. In performing the Internal Audit function, the Board of
Komisaris bertanggung jawab: Commissioners is responsible for:
i) Memastikan Direksi menyusun dan memelihara i) Ensuring that the Board of Directors establishes
sistem pengendalian intern yang memadai, efektif and maintains an adequate, effective, and efficient
dan efisien. internal control system.
ii) Mengkaji efektivitas dan efisiensi sistem ii) Reviewing the effectiveness and efficiency of
pengendalian intern berdasarkan informasi yang the internal control system based on information
diperoleh dari Divisi Audit Internal paling sedikit 1 obtained from the Internal Audit Division at least
(satu) kali dalam 1 (satu) tahun. once a year.
iii) Menunjuk pengendali mutu independen dari pihak iii) Appointing an independent external quality controller
eksternal (Kantor Akuntan Publik) untuk melakukan (Public Accounting Firm) to review the performance
kaji ulang terhadap kinerja Divisi Audit Internal, of the Internal Audit Division, taking into account
dengan mempertimbangkan rekomendasi Komite recommendations from the Audit Committee.
Audit.
k. Memberikan persetujuan atas sejumlah hal yang k. Providing approvals for matters agreed with the Board
disepakati dengan Direksi sepanjang tidak bertentangan of Directors, as long as they are not in conflict with the
dengan Anggaran Dasar Bank dan peraturan perundang- Bank’s Articles of Association and applicable laws and
undangan yang berlaku. regulations.
l. Melaksanakan tugas yang diserahkan dan/atau l. Carrying out duties assigned and/or delegated to the
diberikan kepada Dewan Komisaris sesuai Anggaran Board of Commissioners in accordance with the Bank’s
Dasar Bank dan/atau Hasil Keputusan RUPS. Articles of Association and/or GMS resolutions.
WEWENANG DEWAN KOMISARIS AUTHORITIES OF THE BOARD OF COMMISSIONERS
Dewan Komisaris memiliki kewenangan sebagai The Board of Commissioners has the following
berikut: authorities:
a. Menjalankan kewenangan sebagaimana tercantum a. To exercise the authorities stipulated in the Bank’s
dalam Anggaran Dasar Bank secara independen. Articles of Association independently.
b. Memperoleh penjelasan dari Direksi dan/atau setiap b. To obtain explanations from the Board of Directors and/
anggota Direksi mengenai segala hal yang ditanyakan or any member of the Board of Directors regarding any
oleh Dewan Komisaris dalam kaitannya fungsi matters questioned by the Board of Commissioners in
pengawasan dari Dewan Komisaris. relation to its supervisory function.
c. Memberhentikan sementara anggota Direksi dengan c. To temporarily suspend members of the Board of
menyebutkan alasannya. Directors, stating the reasons for such action.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
d. Dapat melakukan tindakan pengurusan Emiten/ d. To undertake the management of the Issuer/Public
Perusahaan Publik dalam keadaan tertentu untuk Company under certain circumstances and for a
jangka waktu tertentu yang ditetapkan berdasarkan specified period as determined by the Articles of
anggaran dasar atau keputusan RUPS. Association or resolutions of the General Meeting of
Shareholders (GMS).
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Kewenangan Dewan Komisaris dalam menjalankan fungsi The authorities of the Board of Commissioners in carrying
audit internal di Bank meliputi: out the internal audit function at the Bank include:
a. Memberikan persetujuan berdasarkan rekomendasi dari a. Granting approval based on the recommendations of
Komite Audit terkait: the Audit Committee regarding:
• Pengangkatan dan pemberhentian Kepala Divisi ∙ The appointment and dismissal of the Head of
Audit Intern. Internal Audit Division.
• Piagam Audit Internal. ∙ The Internal Audit Charter.
• Rencana audit tahunan serta alokasi anggaran yang ∙ The annual audit plan and the necessary budget
diperlukan. allocation.
• Laporan hasil kaji ulang pihak eksternal yang ∙ Reports on the results of reviews conducted by
independen; independent external parties.
• Laporan pelaksanaan dan pokok-pokok hasil audit ∙ Reports on the implementation and key findings of
intern internal audit results.
• Laporan khusus mengenai setiap temuan audit ∙ Special reports on any internal audit findings that are
internal yang diperkirakan dapat membahayakan estimated to pose a threat to the continuity of the
kelangsungan usaha Bank Bank’s business operations.
b. Menandatangani berbagai laporan yang wajib b. Signing various reports that must be submitted to the
disampaikan kepada Otoritas Jasa Keuangan. Financial Services Authority.
KRITERIA DEWAN KOMISARIS CRITERIA FOR THE BOARD OF COMMISSIONERS
Bank Banten telah menetapkan kriteria pemenuhan sebagai Bank Banten has established the following criteria for
anggota Dewan Komisaris meliputi: membership on the Board of Commissioners:
1. Memiliki akhlak, moralitas, dan integritas yang baik 1. Possess good character, morality, and integrity, as well
serta kompeten dalam melakukan tindakan hukum. as competence in taking legal actions.
2. Dalam 5 (lima) tahun sebelum pengangkatan dan 2. Within five (5) years prior to appointment and during
selama menjabat: tenure:
a. Tidak pernah dinyatakan pailit. a. Never been declared bankrupt.
b. Tidak pernah menjadi anggota Direksi dan/atau b. Never served as a member of the Board of Directors
Dewan Komisaris yang terbukti menyebabkan suatu and/or the Board of Commissioners responsible for
perusahaan dinyatakan pailit. causing a company to be declared bankrupt.
c. Tidak pernah dihukum karena tindak pidana yang c. Never been convicted of a criminal offense that
merugikan keuangan negara dan/atau terkait caused financial loss to the state and/or related to
dengan sektor keuangan. the financial sector.
d. Tidak pernah menjadi anggota Direksi dan/atau d. Never served as a member of the Board of Directors
Dewan Komisaris yang selama masa jabatannya: and/or the Board of Commissioners who, during
their term:
• Tidak menyelenggarakan RUPS Tahunan. ∙ Failed to convene the Annual GMS.
• Pertanggungjawabannya sebagai anggota ∙ Had their accountability as a member of
Direksi dan/atau Dewan Komisaris pernah the Board of Directors and/or the Board of
ditolak oleh RUPS atau tidak pernah memberikan Commissioners rejected by the GMS or never
pertanggungjawaban kepada RUPS. provided accountability to the GMS.
• Pernah menyebabkan perusahaan yang telah ∙ Caused a company with a license, approval, or
mendapatkan izin, persetujuan, atau pendaftaran registration from the Financial Services Authority
dari Otoritas Jasa Keuangan gagal memenuhi to fail in fulfilling its obligation to submit the
kewajiban untuk menyampaikan Laporan Annual Report and/or Financial Report to the
Tahunan dan/atau Laporan Keuangan kepada Financial Services Authority.
Otoritas Jasa Keuangan.
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3. Memiliki komitmen untuk mematuhi peraturan 3. Have a commitment to comply with applicable laws and
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
perundang-undangan yang berlaku. regulations.
4. Memiliki pengetahuan dan/atau keahlian di bidang yang 4. Possess knowledge and/or expertise in fields required
dibutuhkan oleh Perseroan. by the Company.
PENGANGKATAN DAN PEMBERHENTIAN DEWAN APPOINTMENT AND DISMISSAL OF THE BOARD OF
KOMISARIS COMMISSIONERS
Anggota Dewan Komisaris diangkat dan diberhentikan Members of the Board of Commissioners are appointed
melalui keputusan Rapat Umum Pemegang Saham. and dismissed by resolution of the General Meeting
Usulan mengenai pengangkatan, pemberhentian, dan/atau of Shareholders (GMS). Proposals for appointment,
penggantian anggota Dewan Komisaris dalam RUPS harus dismissal, and/or replacement of members of the Board
mempertimbangkan rekomendasi dari Komite Nominasi of Commissioners at the GMS must take into account
dan Remunerasi. recommendations from the Nomination and Remuneration
Committee.
KOMPOSISI DEWAN KOMISARIS COMPOSITION OF THE BOARD OF COMMISSIONERS
Hingga 31 Desember 2025, Dewan Komisaris Perseroan As of December 31, 2025, the Company’s Board of
terdiri dari 3 (tiga) orang yang diketuai Komisaris Utama Commissioners consists of three (3) members, chaired
Independen dan beranggotakan 1 (satu) orang Komisaris by an Independent President Commissioner, with one (1)
Independen dan 1 (satu) orang Komisaris yang seluruhnya Independent Commissioner and one (1) Commissioner, all
berdomisili di Indonesia. Komposisi Dewan Komisaris of whom reside in Indonesia. The composition of the Board
sebagai berikut: of Commissioners is as follows:
Tabel Komposisi Dewan Komisaris Tahun 2025 Table of Composition of the Board of Commissioners
in 2025
Periode /
No Nama / Name Jabatan / Position Dasar Pengangkatan / Basis of Appointment
Period
1 Hoiruddin Hasibuan Komisaris Utama Independen Keputusan RUPSLB tanggal 14 November 2024 / Pertama /
/ Independent President EGMS Resolution dated November 14, 2024 First
Commissioner
2 Deden Riki Hayatul Komisaris Independen / Keputusan RUPSLB tanggal 14 November 2024 / Pertama /
Firman Independent Commissioner EGMS Resolution dated November 14, 2024 First
3 Usman Asshiddiqi Komisaris / Commissioner Keputusan RUPSLB tanggal 14 November 2024 / Pertama /
Qohara* EGMS Resolution dated November 14, 2024 First
3 Rina Dewiyanti** Komisaris / Commissioner Keputusan RUPST tanggal 10 April 2025 / AGMS Pertama /
Resolution dated April 10, 2025 First
*) Bapak Usman Asshiddiqi Qohara tidak menjabat sebagai Komisaris per *) Mr. Usman Asshiddiqi Qohara no longer serves as Commissioner as of
tanggal 10 April 2025. April 10, 2025.
**) Ibu Rina Dewiyanti diangkat menjadi Komisaris berdasarkan RUPST **) Ms. Rina Dewiyanti was appointed as Commissioner by the AGMS on
tanggal 10 April 2025 dan sudah efektif tanggal 5 Agustus 2025. April 10, 2025, with the appointment becoming effective on August 5, 2025.
INDEPENDENSI DEWAN KOMISARIS INDEPENDENCE OF THE BOARD OF
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
COMMISSIONERS
Dewan Komisaris tidak merangkap jabatan yang dilarang The Board of Commissioners does not hold concurrent
oleh Otoritas Jasa Keuangan (OJK) tentang penerapan positions prohibited by the Financial Services Authority
Tata Kelola Bank Umum, serta tidak saling memiliki (OJK) regulations on the implementation of Good Corporate
hubungan keluarga sampai dengan derajat kedua dengan Governance for Commercial Banks and does not have family
sesama anggota Dewan Komisaris dan/atau Direksi. relationships up to the second degree with other members of
2025 Annual Report & Sustainability Report 233
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Dalam pelaksanaan tugas-tugasnya, Dewan Komisaris the Board of Commissioners and/or the Board of Directors.
telah memiliki pedoman dan tata tertib kerja yang mengatur In carrying out its duties, the Board of Commissioners is
tugas dan tanggung jawab, etika dan waktu kerja serta guided by work guidelines and rules that regulate its duties
penyelenggaraan rapat yang dituangkan dalam Surat and responsibilities, ethics and working hours, and meeting
Keputusan (SK) Komisaris No. 002/SK/KOM-BB/VI/2024 procedures as stipulated in the Board of Commissioners
tanggal 10 Juni 2024 tentang Pedoman dan Tata Tertib Decree No. 002/SK/KOM-BB/VI/2024 dated 10 June 2024
Kerja Dewan Komisaris. regarding Guidelines and Rules of Procedure for the Board
of Commissioners.
RANGKAP JABATAN DEWAN KOMISARIS CONCURRENT POSITIONS OF THE BOARD OF
COMMISSIONERS
Bank Banten telah memastikan bahwa tidak ada anggota Bank Banten has ensured that no member of the Board
Dewan Komisaris yang merangkap jabatan yang dilarang of Commissioners holds concurrent positions prohibited
oleh Otoritas Jasa Keuangan berdasarkan Peraturan by the Financial Services Authority regulations regarding
Otoritas Jasa Keuangan mengenai penerapan Tata the implementation of Good Corporate Governance for
Kelola Bank Umum. Untuk menjaga independensinya, Commercial Banks. To maintain independence, each
setiap anggota Dewan Komisaris dipastikan tidak memiliki member of the Board of Commissioners is confirmed not to
hubungan keluarga hingga derajat kedua dengan anggota have family relationships up to the second degree with any
Dewan Komisaris lainnya. other member of the Board of Commissioners.
PROGRAM PENGENALAN DEWAN KOMISARIS BARU ORIENTATION PROGRAM FOR NEW
COMMISSIONERS
Di tahun 2025 terdapat perubahan komposisi Dewan In 2025, there was a change in the composition of the
Komisaris, dimana Ibu Rina Dewiyanti telah diangkat Board of Commissioners, whereby Ms. Rina Dewiyanti
menjadi Komisaris berdasarkan RUPST tanggal 10 April was appointed as Commissioner pursuant to the Annual
2025 dan sudah efektif tanggal 5 Agustus 2025 berdasarkan General Meeting of Shareholders (AGMS) dated April 10,
Keputusan Anggota Dewan Komisioner Otoritas Jasa 2025, and became effective on August 5, 2025, based on
Keuangan tanggal 5 Agustus 2025 tentang Hasil Penilaian the Decree of the Member of the Board of Commissioners
Kemampuan dan Kepatutan Sdri. Rina Dewiyanti sebagai of the Financial Services Authority dated August 5, 2025,
Calon Komisaris Non Independen PT Bank Pembangunan concerning the Results of the Fit and Proper Assessment
Daerah Banten (Perseroda) Tbk. Bank Banten juga telah of Ms. Rina Dewiyanti as Prospective Non-Independent
melaksanakan program pengenalan terhadap Komisaris Commissioner of PT Bank Pembangunan Daerah Banten
baru. Upaya ini dilakukan sebagai cara untuk menyelaraskan (Perseroda) Tbk. Bank Banten has also implemented an
visi dan misi Bank Banten, sehingga akan menghasilkan orientation program for the new Commissioner. This effort
kinerja dengan pertumbuhan yang positif dan berkelanjutan was undertaken as a means of aligning with the vision and
bagi Perusahaan. mission of Bank Banten, with the aim of producing positive
and sustainable growth performance for the Company.
RAPAT DEWAN KOMISARIS BOARD OF COMMISSIONERS MEETINGS
KEBIJAKAN RAPAT DEWAN KOMISARIS BOARD OF COMMISSIONERS MEETING POLICY
Kebijakan Rapat Dewan Komisaris mengacu pada The policy for Board of Commissioners meetings refers
Anggaran Dasar beserta perubahannya, POJK No. 33/ to the Articles of Association and its amendments, OJK
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi Regulation No. 33/POJK.04/2014 dated December 8,
dan Dewan Komisaris Emiten atau Perusahaan Publik, 2018 concerning the Board of Directors and Board of
POJK No. 17 tahun 2023 tanggal 14 September 2023 Commissioners of Issuers or Public Companies, OJK
tentang Penerapan Tata Kelola bagi Bank, serta Pedoman Regulation No. 17 of 2023 dated 14 September 2023
234 Laporan Tahunan & Laporan Keberlanjutan 2025
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dan Tata Tertib Kerja Dewan Komisaris. Rapat Dewan concerning the Implementation of Good Governance for
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Komisaris wajib dilaksanakan secara berkala setidaknya Banks, as well as the Guidelines and Rules of Procedure
satu kali dalam dua bulan. for the Board of Commissioners. Board of Commissioners
meetings must be held regularly at least once every two
months.
Sesuai dengan ketentuan dalam Anggaran Dasar, In accordance with the Articles of Association, the meeting
kebijakan pelaksanaan rapat Dewan Komisaris mencakup policy for the Board of Commissioners includes the following
hal-hal berikut: provisions:
1. Rapat Dewan Komisaris dapat diselenggarakan kapan 1. Board of Commissioners meetings may be convened at
saja jika dianggap perlu oleh satu atau lebih anggota any time if deemed necessary by one or more members
Dewan Komisaris atau atas permintaan pemegang of the Board of Commissioners or at the request of
saham yang secara kolektif memiliki sedikitnya 1/10 shareholders collectively holding at least 1/10 (one-
(satu per sepuluh) dari total saham dengan hak suara tenth) of the total shares with valid voting rights.
yang sah.
2. Dewan Komisaris wajib mengadakan rapat minimal satu 2. The Board of Commissioners is required to hold
kali dalam dua bulan. meetings at least once every two months.
3. Rapat Dewan Komisaris dianggap sah dan berwenang 3. A Board of Commissioners meeting is considered valid
mengambil keputusan yang mengikat apabila dihadiri and authorized to make binding decisions if attended by
oleh lebih dari setengah jumlah anggota Dewan more than half of the total members, either in person or
Komisaris, baik secara langsung maupun diwakili. by proxy.
4. Dewan Komisaris harus menyusun jadwal rapat untuk 4. The Board of Commissioners must prepare a meeting
tahun berikutnya sebelum akhir tahun buku berjalan. schedule for the following year before the end of the
Untuk rapat yang telah dijadwalkan, materi rapat harus current fiscal year. For scheduled meetings, meeting
disampaikan kepada peserta selambat-lambatnya lima materials must be distributed to participants no later
hari sebelum pelaksanaan. than five days prior to the meeting.
5. Rapat Dewan Komisaris dipimpin oleh Komisaris 5. Meetings are chaired by the President Commissioner. If
Utama. Jika Komisaris Utama berhalangan hadir, tanpa the President Commissioner is unable to attend, without
perlu pembuktian kepada pihak ketiga, maka rapat akan the need for proof to third parties, the meeting will be
dipimpin oleh salah satu anggota Dewan Komisaris chaired by another attending member of the Board of
yang hadir. Commissioners.
6. Setiap anggota Dewan Komisaris yang memiliki 6. Any member of the Board of Commissioners who
kepentingan pribadi, baik secara langsung maupun has a personal interest, either directly or indirectly, in
tidak langsung, dalam suatu transaksi atau kontrak a transaction or contract involving the Company must
yang melibatkan Perseroan, wajib mengungkapkan disclose such interest in the meeting and is not permitted
kepentingannya dalam rapat dan tidak diperbolehkan to vote on the transaction, unless otherwise determined
memberikan suara terkait transaksi tersebut, kecuali by the meeting.
ditentukan lain oleh rapat.
7. Keputusan dalam rapat Dewan Komisaris diambil 7. Decisions in Board of Commissioners meetings are
berdasarkan musyawarah untuk mufakat. Jika made by deliberation to reach consensus. If consensus
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
kesepakatan tidak tercapai, keputusan ditentukan cannot be reached, decisions are made by voting with
melalui pemungutan suara dengan persetujuan lebih approval from more than half of the valid votes at the
dari setengah jumlah suara yang sah dalam rapat. meeting.
8. Keputusan hasil rapat harus didokumentasikan dalam 8. Meeting decisions must be documented in Minutes
Risalah Rapat, ditandatangani oleh seluruh anggota of Meeting, signed by all members of the Board of
Dewan Komisaris yang hadir, dan disampaikan kepada Commissioners present, and distributed to all members.
seluruh anggota Dewan Komisaris.
2025 Annual Report & Sustainability Report 235
Page 238
9. Jika ada anggota Dewan Komisaris yang tidak 9. If any member does not sign the Minutes, the reason
menandatangani Risalah Rapat, maka alasan for disagreement must be stated in writing in a separate
ketidaksepakatan tersebut harus disampaikan secara letter, which becomes part of the Minutes.
tertulis dalam surat terpisah yang menjadi bagian dari
Risalah Rapat.
10. Rapat Dewan Komisaris juga dapat diselenggarakan 10. Board of Commissioners meetings may also be held via
melalui telekonferensi, video konferensi, atau media teleconference, video conference, or other electronic
elektronik lainnya yang memungkinkan seluruh peserta media that allows all participants to see and/or hear
dapat saling melihat dan/atau mendengar secara each other directly and participate actively.
langsung serta berpartisipasi aktif dalam rapat.
FREKUENSI DAN KEHADIRAN RAPAT DEWAN FREQUENCY AND ATTENDANCE OF BOARD OF
KOMISARIS COMMISSIONERS MEETINGS
Di tahun 2025, Dewan Komisaris telah melaksanakan In 2025, the Board of Commissioners held a total of 7
rapat internal sebanyak 7 (tujuh) kali rapat. Frekuensi dan (seven) internal meetings. The frequency and attendance of
kehadiran rapat Dewan Komisaris di tahun 2025 adalah Board of Commissioners meetings in 2025 were as follows:
sebagai berikut:
Tabel Frekuensi dan Kehadiran Rapat Dewan Table of Frequency and Attendance of Board of
Komisaris Tahun 2025 Commissioners Meetings in 2025
Persentase Kehadiran
Jumlah Rapat / Jumlah Kehadiran /
No Nama / Name Jabatan / Position (%) / Attendance Rate
Total Meetings Total Attendance
(%)
1 Hoiruddin Komisaris Utama Independen 7 6 85%
Hasibuan / Independent President
Commissioner
2 Deden Riki Komisaris Independen / 7 7 100%
Hayatul Firman Independent Commissioner
3 Usman Asshiddiqi Komisaris / Commissioner 7 1 14%
Qohara*
4 Rina Dewiyanti** Komisaris / Commissioner 7 5 28%
*) Bapak Usman Asshiddiqi Qohara tidak menjabat sebagai Komisaris per *) Mr. Usman Asshiddiqi Qohara no longer serves as Commissioner as of
tanggal 10 April 2025. April 10, 2025.
**) Ibu Rina Dewiyanti diangkat menjadi Komisaris berdasarkan RUPST **) Ms. Rina Dewiyanti was appointed as Commissioner by the AGMS on
tanggal 10 April 2025 dan sudah efektif tanggal 5 Agustus 2025. April 10, 2025, with the appointment becoming effective on August 5, 2025.
AGENDA RAPAT DEWAN KOMISARIS BOARD OF COMMISSIONERS MEETING AGENDA
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 22 Januari 2025 / Pembahasan Draft Laporan Pengawasan Realisasi RBB Semester II Tahun 2024. / Discussion of the
January 22, 2025 Draft Supervision Report on the Realization of the RBB for Semester II of 2024.
2 19 Februari 2025 / Penerapan Tata Kelola Dewan Komisaris & Komite Dewan Komisaris Triwulan I – 2025 / Implementation
February 19, 2025 of Governance of the Board of Commissioners and Board of Commissioners Committees Quarter I
2025
3 09 April 2025 / Pembahasan Laporan Evaluasi KAP atas Jasa Audit Tahun 2024. / Discussion of the KAP Evaluation
April 9, 2025 Report on Audit Services in 2024.
4 20 Juni 2025 / Penerapan Tata Kelola Dewan Komisaris & Komite Dewan Komisaris Triwulan II – 2025. / Implementation
June 20, 2025 of Governance of the Board of Commissioners and Board of Commissioners Committees Quarter II –
2025.
5 23 Juli 2025 / Pembahasan Draft Laporan Pengawasan Realisasi RBB semester I Tahun 2025. / Discussion of the
July 23, 2025 Draft RBB Realization Monitoring Report for the first semester of 2025.
236 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 239
No Tanggal / Date Agenda Rapat / Meeting Agenda
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
6 27 Agustus 2025 / Penetapan Anggota Baru Komite Dewan Komisaris. / Determination of New Members of the Board of
August 27, 2025 Commissioners Committee.
7 07 Oktober 2025 / Penunjukan Akuntan Publik dan Kantor Akuntan Publik untuk Audit Laporan Keuangan Bank Banten
October 7, 2025 Tahun Buku 2025. / Appointment of Public Accountant and Public Accounting Firm for Audit of Bank
Banten Financial Statements for Fiscal Year 2025.a New Committee of the Board of Commissioners.
PELAKSANAAN TUGAS DEWAN KOMISARIS IMPLEMENTATION OF THE BOARD OF
COMMISSIONERS’ DUTIES
Hingga 31 Desember 2025, Dewan Komisaris telah As of December 31, 2025, the Board of Commissioners has
melaksanakan tugas dan tanggung jawabnya meliputi: fulfilled its duties and responsibilities, including:
1. Mengawasi pelaksanaan prinsip-prinsip tata kelola Bank 1. Supervising the implementation of Good Corporate
(Good Corporate Governance) di Bank Banten. Governance principles at Bank Banten.
2. Melakukan review atas Laporan Keuangan Tahunan 2. Reviewing the 2024 Annual Financial Statements and
2024 dan Laporan Keuangan Publikasi triwulanan the quarterly published Financial Statements throughout
selama tahun 2025. 2025.
3. Memberikan persetujuan atas Rencana Bisnis Bank 3. Approving the Bank’s Business Plan (RBB) for 2026–
(RBB) 2026-2028 yang telah disampaikan ke Otoritas 2028, which has been submitted to the Financial
Jasa Keuangan. Services Authority.
4. Memberikan persetujuan atas laporan yang bersifat 4. Approving other mandatory reports to regulators.
mandatory lainnya kepada regulator.
5. Memonitor pelaksanaan dan progress action plan Bank 5. Monitoring the implementation and progress of Bank
Banten dalam rangka melakukan langkah perbaikan Banten’s action plans to improve performance.
atas kinerja Bank Banten.
6. Melakukan pengawasan atas realisasi RBB serta 6. Supervising the realization of the Business Plan (RBB)
menyampaikan laporan kepada Otoritas Jasa Keuangan and submitting semiannual reports to the Financial
(semesteran). Services Authority.
7. Melakukan rapat secara berkala dengan Komite-komite 7. Holding regular meetings with committees under the
di bawah Dewan Komisaris untuk membahas kinerja Board of Commissioners to discuss Bank Banten’s
dan rencana strategis Bank Banten. performance and strategic plans.
8. Mengawasi pelaksanaan tugas dan tanggung jawab 8. Overseeing the implementation of the duties and
Direksi melalui rapat-rapat rutin dengan Direksi terkait responsibilities of the Board of Directors through regular
pelaksanaan kebijakan strategis Bank Banten. meetings regarding the execution of Bank Banten’s
strategic policies.
9. Melakukan pembahasan temuan audit internal, temuan 9. Discussing internal audit findings and OJK audit findings
audit OJK dengan Direksi dan divisi-divisi terkait dalam with the Board of Directors and relevant divisions to
memastikan langkah tindak lanjutnya. ensure proper follow-up actions.
10. Memastikan bahwa Direksi selalu menindaklanjuti hasil 10. Ensuring that the Board of Directors consistently
temuan audit internal maupun eksternal (Otoritas Jasa follows up on internal and external (OJK) audit findings
Keuangan) selama tahun 2025. throughout 2025.
11. Menyampaikan pertanggungjawaban atas tugas 11. Presenting accountability for supervisory duties
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
pengawasan yang telah dilakukan selama tahun buku performed during the 2024 fiscal year to the 2025
2024 kepada Rapat Umum Pemegang Saham Tahunan Annual General Meeting of Shareholders.
2025.
2025 Annual Report & Sustainability Report 237
Page 240
REKOMENDASI DAN KEWENANGAN DEWAN RECOMMENDATIONS AND AUTHORITIES OF THE
KOMISARIS BOARD OF COMMISSIONERS
Di sepanjang tahun 2025, Dewan Komisaris telah Throughout 2025, the Board of Commissioners carried
menjalankan fungsi pengawasan dengan memberikan out its supervisory function by providing input and
masukan dan rekomendasi kepada Direksi. Selain itu, Dewan recommendations to the Board of Directors. Additionally,
Komisaris juga memiliki kewenangan atas keputusan yang the Board of Commissioners holds authority over decisions
memerlukan persetujuan Dewan Komisaris. Rekomendasi requiring its approval. The recommendations and authorities
dan kewenangan Dewan Komisaris meliputi: of the Board of Commissioners include:
a. Menyampaikan rekomendasi kepada Pemegang a. Providing recommendations to shareholders regarding:
Saham terkait:
i) Rekomendasi kepada Pemegang Saham Pengendali i) Recommendations to the Controlling Shareholder
nama-nama yang diusulkan sebagai Pengurus Bank on proposed names for the Bank’s Management
untuk ditetapkan dalam Rapat Umum Pemegang to be determined at the Extraordinary General
Saham Luar Biasa (dengan mempertimbangkan Meeting of Shareholders (taking into account
rekomendasi Komite Remunerasi dan Nominasi); the recommendations of the Remuneration and
Nomination Committee);
ii) Penunjukan Kantor Akuntan Publik untuk mengaudit ii) Appointment of the Public Accounting Firm to
laporan keuangan tahunan Perseroan per 31 audit the Company’s annual financial statements
Desember 2025 (dengan mempertimbangkan as of December 31, 2025 (considering the
rekomendasi Komite Audit). recommendation of the Audit Committee).
b. Menyampaikan rekomendasi / arahan kepada Direksi b. Providing recommendations or directives to the Board
yang disampaikan melalui Rapat secara berkala antara of Directors through regular meetings between the
Dewan Komisaris dengan Direksi dan penyampaian Board of Commissioners and the Board of Directors and
melalui korespondensi/surat secara resmi through formal correspondence/letters.
PENGEMBANGAN KOMPETENSI DEWAN KOMISARIS BOARD OF COMMISSIONERS COMPETENCY
DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan Bank Banten periodically provides opportunities for all
kepada seluruh insan Perusahaan untuk ikut serta dan personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. programs. The Board of Commissioners’ participation in
Keikutsertaan Dewan Komisaris dalam program kompetensi competency programs in 2025 includes:
di tahun 2025 di antaranya:
Tabel Pengembangan Kompetensi Dewan Komisaris Table of Board of Commissioners Competency
Tahun 2025 Development in 2025
Pelaksanaan /
Nama / Name Jabatan / Position Program Kompetensi / Competency Program
Implementation
Hoiruddin Hasibuan Komisaris Utama Penyetaraan & Penyelarasan Sertifikasi Manajemen 22 26 April 2025 / April
Independen / Risiko Dewan Komisaris & Direksi / Equalization and 2225, 2025
Independent Alignment of Risk Management Certification for the Board
President of Commissioners & Board of Directors
Commissioner Seminar FKDK BPDSI: Implementasi POJK No. 5 Tahun 9 10 Oktober 2025 /
2024 / BPDSI FKDK Seminar: Implementation of POJK October 910, 2025
No. 5 of 2024
Seminar FKDK BPDSI: Implementasi Market Conduct 5 6 Desember 2025 /
Dalam Rangka Perlindungan Konsumen BPDSI Dan December 56, 2025
Leadership Program Dewan Komisaris BPDSI / BPDSI
FKDK Seminar: Implementation of Market Conduct in the
Context of BPDSI Consumer Protection and the Leadership
Program of the BPDSI Board of Commissioners
238 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 241
Pelaksanaan /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Nama / Name Jabatan / Position Program Kompetensi / Competency Program
Implementation
Deden Riki Hayatul Komisaris Penyetaraan & Penyelarasan Sertifikasi Manajemen 22 26 April 2025 / April
Firman Independen / Risiko Dewan Komisaris & Direksi / Equalization and 2226, 2025
Independent Alignment of Risk Management Certification for the Board
Commissioner of Commissioners & Directors
Training Penyusunan Laporan Management & Dewan 22 Juli 2025 / July 22,
Komisaris / Training on Preparation of Management & 2025
Board of Commissioners Reports
Usman Asshiddiqi Komisaris / - -
Qohara* Commissioner
Rina Dewiyanti** Komisaris / - -
Commissioner
*) Bapak Usman A Qohara tidak menjabat sebagai Komisaris per tanggal *) Mr. Usman A Qohara no longer serves as Commissioner as of April 10,
10 April 2025. 2025.
**) Ibu Rina Dewiyanti diangkat menjadi Komisaris berdasarkan RUPST **) Ms. Rina Dewiyanti was appointed as Commissioner by the AGMS on
tanggal 10 April 2025 dan sudah efektif tanggal 5 Agustus 2025. April 10, 2025, with the appointment becoming effective on August 5, 2025.
PENILAIAN KINERJA KOMITE DEWAN KOMISARIS PERFORMANCE ASSESSMENT OF THE BOARD OF
COMMISSIONERS COMMITTEES
Dalam menjalankan fungsinya, Dewan Komisaris dibantu In carrying out its functions, the Board of Commissioners
oleh Komite Audit, Komite Nominasi dan Remunerasi, dan is assisted by the Audit Committee, the Nomination
Komite Pemantau Risiko. Di sepanjang tahun 2025, Komite and Remuneration Committee, and the Risk Monitoring
pendukung telah membantu peran pengawasan dengan Committee. Throughout 2025, these supporting committees
menjalankan tugas dan tanggung jawabnya secara efektif have effectively and optimally assisted the supervisory
dan optimal. Komite pendukung juga telah memberikan role by fulfilling their duties and responsibilities. The
kinerja baik terhadap Bank Banten meliputi analisis, supporting committees have also contributed positively to
rekomendasi, serta usulan yang disampaikan kepada Bank Banten by providing analyses, recommendations, and
Dewan Komisaris melalui masukan, rekomendasi, dan rapat proposals to the Board of Commissioners through input,
rutin yang menjadi salah satu dasar dalam pengawasan recommendations, and regular meetings, which serve as a
kinerja Bank. Dewan Komisaris berharap kinerja baik basis for monitoring the Bank’s performance. The Board of
ini dapat terus dijaga dan ditingkatkan, sehingga akan Commissioners hopes that this strong performance will be
berdampak positif bagi keberlanjutan Bank Banten pada maintained and further improved, positively impacting the
tahun mendatang. sustainability of Bank Banten in the coming years.
KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONERS
Berdasarkan POJK No.33/POJK.04/2014, Komisaris Based on OJK Regulation No. 33/POJK.04/2014, an
Independen adalah anggota Dewan Komisaris yang berasal Independent Commissioner is a member of the Board
dari luar Emiten atau Perusahaan Publik dan memenuhi of Commissioners who comes from outside the Issuer
persyaratan sebagai Komisaris Independen. Jumlah or Public Company and fulfills the requirements as an
Komisaris Independen wajib paling kurang 30% (tiga puluh Independent Commissioner. The number of Independent
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
persen) dari jumlah seluruh anggota Dewan Komisaris. Commissioners must be at least 30% of the total members
Hingga 31 Desember 2025, Bank Banten telah memiliki of the Board of Commissioners. As of December 31, 2025,
sebanyak 2 (dua) orang Komisaris Independen, 1 (satu) di Bank Banten has two (2) Independent Commissioners, one
antaranya merangkap sebagai Komisaris Utama. of whom also serves as the President Commissioner.
2025 Annual Report & Sustainability Report 239
Page 242
Independensi Komisaris Independen Independence of the Independent Commissioner
Bank Banten telah memastikan bahwa setiap anggota Bank Banten ensures that no member of the Board of
Dewan Komisaris tidak merangkap jabatan yang dilarang Commissioners holds concurrent positions prohibited
oleh Otoritas Jasa Keuangan berdasarkan peraturan by the Financial Services Authority regulations on the
mengenai penerapan Tata Kelola Bank Umum. Untuk implementation of Good Corporate Governance for
menjaga independensinya, setiap anggota Dewan Commercial Banks. To maintain their independence, each
Komisaris dipastikan tidak memiliki hubungan keluarga member of the Board of Commissioners is confirmed not to
hingga derajat kedua dengan anggota Dewan Komisaris have family relationships up to the second degree with other
lainnya. members of the Board of Commissioners.
Tabel Independensi Komisaris Independen Tahun 2025 Table of the Independence of Independent
Commissioners in 2025
Aspek Independensi Komisaris Independen / Independence Aspects of Independent Hoiruddin Deden Riki
Commissioners Hasibuan Hayatul Firman
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk
merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan Emiten atau Perusahaan
Publik tersebut dalam waktu 6 (enam) bulan terakhir, kecuali untuk pengangkatan kembali
sebagai Komisaris Independen Emiten atau Perusahaan Publik pada periode berikutnya. / Is
not an individual who has worked for, or had the authority and responsibility to plan, lead,
control, or supervise the activities of the Issuer or Public Company within the last 6 (six) months,
except in the case of reappointment as an Independent Commissioner of the Issuer or Public
Company for the subsequent term.
Tidak mempunyai saham baik langsung maupun tidak langsung pada Emiten atau Perusahaan
Publik tersebut. / Does not have, either directly or indirectly, any shares in the Issuer or Public
Company.
Tidak mempunyai hubungan Afiliasi dengan Emiten atau Perusahaan Publik, anggota Dewan
Komisaris, anggota Direksi, atau pemegang saham utama Emiten atau Perusahaan Publik
tersebut. / Does not have any affiliation with the Issuer or Public Company, members of the
Board of Commissioners, members of the Board of Directors, or the principal shareholders of
the Issuer or Public Company.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan
dengan kegiatan usaha Emiten atau Perusahaan Publik tersebut. / Does not have, either
directly or indirectly, any business relationship related to the business activities of the Issuer or
Public Company.
DIREKSI BOARD OF DIRECTORS
Direksi adalah organ Perusahaan yang berwenang dan The Board of Directors is the corporate organ authorized
bertanggung jawab penuh atas operasional Perusahaan. and fully responsible for the Company’s operations.
DASAR HUKUM DIREKSI LEGAL BASIS OF THE BOARD OF DIRECTORS
Dalam menjalankan fungsinya, Direksi berpedoman pada In performing its functions, the Board of Directors is guided
ketentuan sebagai berikut: by the following regulations:
1. Undang-Undang No.40 Tahun 2017. 1. Law No. 40 of 2017.
2. Peraturan Otoritas Jasa Keuangan No.33/POJK.04/2014 2. OJK Regulation No. 33/POJK.04/2014 concerning the
tentang Direksi dan Dewan Komisaris Emiten atau Board of Directors and Board of Commissioners of
Perusahaan Publik. Issuers or Public Companies.
3. POJK No. 17 tahun 2023 tanggal 14 September 2023 3. OJK Regulation No. 17 of 2023 dated 14 September
tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
4. SEOJK No.14/SEOJK.03/2025 tanggal 24 Juni 2025 4. OJK Circular Letter No. 14/SEOJK.03/2025 dated June
tentang Penerapan Tata Kelola bagi Bank Umum 24, 2025 concerning the Implementation of Governance
for Commercial Banks.
5. Anggaran Dasar Perseroan. 5. The Company’s Articles of Association.
240 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 243
PEDOMAN KERJA DIREKSI BOARD OF DIRECTORS WORK GUIDELINES
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Perseroan telah menyusun Pedoman dan Tata Tertib Kerja The Company has established the Guidelines and Rules
Direksi yang tercantum dalam Piagam Direksi. Pedoman of Procedure for the Board of Directors as set forth in the
dan Tata Tertib Kerja Direksi berfungsi sebagai acuan bagi Board of Directors Charter. These guidelines serve as a
Bank Banten dalam melaksanakan tugas dan tanggung reference for Bank Banten in carrying out its duties and
jawabnya mengenai pengelolaan operasional Perusahaan. responsibilities in managing the Company’s operations.
TUGAS DAN TANGGUNG JAWAB DIREKSI DUTIES AND RESPONSIBILITIES OF THE BOARD OF
DIRECTORS
Dalam melaksanakan tugas-tugasnya, Direksi telah In carrying out its duties, the Board of Directors is guided
memiliki pedoman dan tata tertib kerja yang mengatur by updated work guidelines and rules, as stipulated in the
tugas dan tanggung jawab, etika dan waktu kerja serta Board of Directors Decree No. 2007/SK/DIR-BB/XI/2024
penyelenggaraan rapat yang telah dilakukan pengkinian dated 26 November 2024 concerning Guidelines and Rules
sesuai Surat Keputusan Direksi No. 2007/SK/DIR-BB/ of Procedure for the Board of Directors, with duties and
XI/2024 tanggal 26 November 2024 tentang Pedoman responsibilities including:
dan Tata Tertib Kerja Direksi, dengan tugas dan tanggung
jawab meliputi :
1. Menjalankan dan bertanggung jawab atas pengurusan 1. Managing and being responsible for the Bank’s
bank untuk kepentingan Bank sesuai dengan maksud management in the interest of the Bank, in accordance
dan tujuan Bank yang ditetapkan dalam ketentuan with the objectives and purposes set forth in applicable
peraturan perundang-undangan, anggaran dasar dan laws and regulations, the Articles of Association, and
hasil keputusan RUPS. GMS resolutions.
2. Melaksanakan tugas dan tanggung jawab serta 2. Carrying out their duties, responsibilities, and authorities
kewenangannya dengan itikad baik dan dengan prinsip in good faith and with prudence.
kehati-hatian.
3. Menerapkan Tata Kelola yang baik pada Bank, 3. Implementing Good Corporate Governance, risk
manajemen risiko, dan kepatuhan secara terintegrasi management, and integrated compliance, adjusted to
yang disesuaikan dengan kegiatan usaha Bank dan the Bank’s business activities and the latest banking
perkembangan ekosistem perbankan terkini serta ecosystem developments, supported by digitization and
didukung dengan digitalisasi dan inovasi Teknologi. technological innovation.
4. Wajib menindaklanjuti temuan audit/pemeriksaan dan 4. Following up on audit findings and recommendations
rekomendasi dari Satuan Kerja Audit Intern Bank, from the Bank’s Internal Audit Unit, External Auditor,
Auditor Ekstern, hasil pengawasan Otoritas Jasa Financial Services Authority, and/or other authorized
Keuangan, dan/atau hasil pengawasan Otoritas dan authorities and institutions.
lembaga lain.
5. Mempertanggungjawabkan pelaksanaan tugas kepada 5. Being accountable for the execution of duties to
pemegang saham melalui Rapat Umum Pemegang the shareholders through the General Meeting of
Saham (RUPS). Shareholders (GMS).
6. Membentuk paling kurang Satuan Kerja Audit Internal, 6. Establishing at least an Internal Audit Unit, Risk
Satuan Kerja Manajemen Risiko dan Satuan Kerja Management Unit, and Compliance Unit that are
Kepatuhan yang independen terhadap operasional independent from the Bank’s operations to implement
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank untuk menerapkan Tata Kelola yang baik. Good Corporate Governance.
7. Membentuk Komite Direksi untuk mendukung efektivitas 7. Establishing Board of Directors Committees to support
pelaksanaan tugas dan tanggung jawabnya serta the effectiveness of their duties and responsibilities, and
melakukan evaluasi terhadap kinerja komite setiap akhir evaluating committee performance at the end of each
tahun buku. fiscal year.
2025 Annual Report & Sustainability Report 241
Page 244
8. Dalam pengelolaan data dan informasi Bank, Direksi 8. In managing Bank data and information, the Board of
wajib: Directors must:
a. Menyediakan data dan informasi yang akurat, a. Provide accurate, relevant, and timely data and
relevan dan tepat waktu kepada Dewan Komisaris. information to the Board of Commissioners.
b. Melakukan pengelolaan data dan informasi sesuai b. Manage data and information in accordance with
dengan Tata Kelola yang Baik pada Bank dan Good Corporate Governance and applicable laws
ketentuan peraturan perundang-undangan. and regulations.
9. Menetapkan Pedoman dan Tata Tertib Kerja yang 9. Establishing work guidelines and rules that are binding
bersifat mengingat setiap anggota Direksi. on each member of the Board of Directors.
10. Mengungkapkan kebijakan internal yang bersifat 10. Disclosing strategic internal policies in the field of human
strategis di bidang kepegawaian kepada Pegawai Bank. resources to Bank employees.
11. Menumbuhkan dan mewujudkan terlaksananya Budaya 11. Fostering and realizing a culture of compliance at all
Kepatuhan pada semua tingkatan dan kegiatan usaha levels and business activities of the Bank and enforcing
Bank serta penerapan kode etik kepada seluruh jajaran the code of ethics for all Bank Banten personnel.
Bank Banten.
12. Menyelenggarakan RUPS Tahunan dan RUPS lainnya 12. Organizing the Annual GMS and other GMS meetings in
sesuai dengan ketentuan peraturan perundang- accordance with applicable laws and the Bank’s Articles
undangan dan anggaran dasar Bank yang berlaku. of Association.
13. Mengungkapkan fakta material atas keadaan/kondisi 13. Disclosing material facts regarding the Bank’s condition
Bank secara pemenuhan aspek keterbukaan Informasi in compliance with disclosure requirements under
sesuai dengan peraturan perundang-undangan yang applicable laws and regulations.
berlaku.
14. Menjalankan tugas dan tanggung jawab lainnya, 14. Carrying out other duties and responsibilities as provided
sebagaimana diatur dalam Anggaran Dasar Bank serta for in the Bank’s Articles of Association and/or prevailing
Ketentuan Internal Bank yang berlaku. internal regulations.
WEWENANG DIREKSI AUTHORITIES OF THE BOARD OF DIRECTORS
Berdasarkan Anggaran Dasar Perusahaan, Direksi memiliki Based on the Company’s Articles of Association, the Board
kewenangan sebagai berikut: of Directors has the following authorities:
1. Direktur Utama berhak dan bertindak mewakili Bank 1. The President Director is entitled and authorized
sesuai dengan ketentuan perundang-undangan, to represent the Bank in accordance with laws, the
anggaran dasar dan keputusan RUPS, termasuk Articles of Association, and GMS resolutions, including
mewakili Bank di dalam dan di luar pengadilan; representing the Bank in and out of court.
2. Direktur Utama berhak dan bertindak untuk dan atas 2. The President Director is entitled and authorized to act for
nama Direksi serta mewakili Perseroan. Dalam hal ini and on behalf of the Board of Directors and to represent
Direktur Utama tidak hadir atau berhalangan karena the Company. If the President Director is absent or
sebab apa pun juga, hal mana tidak perlu dibuktikan unable to perform their duties for any reason, without
kepada pihak ketiga, maka salah seorang anggota the need for proof to third parties, any other member of
Direksi lainnya berhak dan berwenang bertindak untuk the Board of Directors is entitled and authorized to act
dan atas nama Direksi serta sah mewakili Perseroan; for and on behalf of the Board of Directors and validly
represent the Company.
3. Menjalankan pengurusan Bank sesuai dengan kebijakan 3. Managing the Bank in accordance with policies deemed
yang dipandang tepat, sesuai dengan maksud dan appropriate, consistent with the objectives and purposes
tujuan yang telah ditetapkan dalam anggara dasar Bank; set forth in the Bank’s Articles of Association.
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4. Berwenang untuk memberikan kuasa kepada seorang 4. Authorized to delegate authority to one or more persons
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
atau lebih dalam internal Bank yang akan bertindak within the Bank to act on behalf of the Board of Directors.
mewakili atas nama Direksi. Atas pemberian kuasa Such delegation must be accompanied by a written
tersebut harus dilengkapi dengan surat kuasa tertulis power of attorney from the Board of Directors specifying
dari Direksi dengan menjelaskan batasan kewenangan the limits of authority for certain actions and the validity
untuk melakukan tindakan tertentu dengan masa period of the power of attorney.
berlaku surat kuasa.
5. Menjalankan kewenangan lainnya, sebagaimana diatur 5. Exercising other authorities as stipulated in the
dalam Anggaran Dasar Bank serta Ketentuan Internal Bank’s Articles of Association and prevailing internal
Bank yang berlaku. regulations.
PEMBIDANGAN TUGAS DIREKSI DIVISION OF DUTIES OF THE BOARD OF
DIRECTORS
Bank Banten telah melakukan pembagian tugas terhadap Bank Banten has established a division of duties for each
masing-masing Direksi, meliputi: member of the Board of Directors, including:
Tabel Pembidangan Tugas Direksi Table of Division of Duties of the Board of Directors
Direksi / Board of
Tugas dan Tanggung Jawab / Duties and Responsibilities
Directors
Direktur Utama / • Merencanakan, memimpin, mengawasi, dan mengkoordinasikan seluruh kegiatan serta pelaksanaan
President Director tugas dari semua Direktur, termasuk Divisi yang berada langsung di bawah pengawasannya seperti Divisi
Sekretariat Perusahaan & Hukum dan Divisi Perencanaan Audit Internal, dalam mendukung pengelolaan
Perseroan sesuai dengan Anggaran Dasar dan Keputusan RUPS, dengan tetap memperhatikan ketentuan
perundangundangan dan peraturan perbankan yang berlaku. / Plan, lead, supervise, and coordinate all
activities and the execution of duties of all members of the Board of Directors, including divisions directly
under their supervision such as the Corporate Secretariat & Legal Division and the Internal Audit Planning
Division, in supporting the Company’s management in accordance with the Articles of Association and GMS
resolutions, while adhering to applicable laws and banking regulations.
• Mengkoordinasikan, membangun, dan mengarahkan penetapan tujuan serta strategi dan kebijakan yang
diperlukan untuk menghadapi tantangan pasar, mendorong bisnis untuk memasarkan produk dan jasa
secara lebih dinamis dan kompetitif, serta melakukan kajian yang lebih menyeluruh dari Divisi Manajemen
Risiko. / Plan, lead, supervise, and coordinate all activities and the execution of duties of all Directors,
including divisions directly under their supervision such as the Corporate Secretariat & Legal Division and the
Internal Audit Planning Division, in supporting the Company’s management in accordance with the Articles of
Association and GMS resolutions, while adhering to applicable laws and banking regulations.
Direktur Operasional • Merencanakan, memimpin, mengkoordinasikan, dan secara langsung mengawasi kegiatan Divisidivisi yang
/ Director of berada di bawah pengawasannya, termasuk Divisi Perencanaan Akuntansi & Keuangan, Divisi Informasi
Operations Teknologi, Divisi Human Capital, Divisi Operasional, Jaringan & Layanan, Divisi Credit Review & Administrasi
Kredit dan UKK Umum, serta Manajer Operasional (Cabang), untuk memastikan bahwa pelaksanaannya
sesuai dengan ketentuan dan kebijakan yang berlaku. / Plan, lead, coordinate, and directly supervise the
activities of the divisions under their supervision, including the Accounting & Finance Planning Division,
Information Technology Division, Human Capital Division, Operations, Network & Services Division, Credit
Review & Credit Administration Division and General UKK, as well as Branch Operations Managers, to
ensure implementation is in accordance with applicable policies and regulations.
• Memimpin dan memastikan tercapainya tujuan operasional perusahaan berdasarkan visi, misi, serta
Rencana Jangka Panjang Perusahaan, khususnya di bidang keuangan dan operasional, sesuai dengan
yang telah ditetapkan. / Lead and ensure the achievement of the company’s operational objectives based on
the company’s vision, mission, and LongTerm Plan, particularly in the financial and operational sectors, as
established.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 243
Page 246
Direksi / Board of
Tugas dan Tanggung Jawab / Duties and Responsibilities
Directors
Direktur Bisnis / • Merencanakan, memimpin, mengkoordinasikan, dan mengawasi secara langsung pelaksanaan tugas
Director of Business di unitunit Divisi yang berada di bawah pengawasannya, termasuk Divisi Kredit, Divisi & Jasa, Divisi
Penyelamatan & Penyelesaian Kredit, UKK Treasury, UKK Pengembangan Bisnis, Kepala Cabang, dan
Manager Bisnis, untuk mendukung pencapaian target bisnis yang ditetapkan dalam Rencana Bisnis Bank
(RBB). / Plan, lead, coordinate, and directly supervise the execution of duties in the divisions under their
supervision, including the Credit Division, Services Division, Credit Recovery & Settlement Division, Treasury
UKK, Business Development UKK, Branch Heads, and Business Managers, to support the achievement of
business targets set out in the Bank’s Business Plan (RBB).
• Memimpin dan memastikan tercapainya tujuan bisnis perusahaan berdasarkan visi, misi, serta Rencana
Jangka Panjang Perusahaan di bidang pengembangan dan pemasaran bisnis Komersial, Konsumer, dan
UMKM. / Lead and ensure the achievement of the company’s business objectives based on the company’s
vision, mission, and LongTerm Plan, particularly in the development and marketing of Commercial, Consumer,
and MSME business lines.
Direktur Kepatuhan • Memastikan kepatuhan Bank terhadap peraturan yang berlaku guna meningkatkan sistem Whistleblowing
/ Director of perbankan, kualitas manajemen risiko, serta kemampuan operasional manajemen. / Ensure the Bank’s
Compliance compliance with prevailing regulations to enhance the banking Whistleblowing system, the quality of risk
management, and operational management capabilities.
• Memastikan bahwa seluruh kebijakan, peraturan, sistem, prosedur, dan kegiatan usaha yang dilakukan oleh
Bank telah sesuai dengan ketentuan dari Bank Indonesia/Otoritas Jasa Keuangan serta peraturan perundang-
undangan yang berlaku. / Ensure that all policies, regulations, systems, procedures, and business activities
carried out by the Bank are in accordance with the provisions of Bank Indonesia/Financial Services Authority
and applicable laws and regulations.
KRITERIA DIREKSI CRITERIA FOR THE BOARD OF DIRECTORS
Bank Banten telah menetapkan kriteria untuk menjadi Bank Banten has established the following criteria for
anggota Direksi. Perusahaan memastikan bahwa seluruh members of the Board of Directors. The Company ensures
anggota Direksi telah memenuhi persyaratan yang telah that all Directors meet the established requirements, which
ditetapkan, meliputi: include:
1. Tidak pernah dinyatakan pailit. 1. Never having been declared bankrupt.
2. Tidak pernah menjabat sebagai anggota Direksi 2. Never having served as a member of the Board of
dan/atau Dewan Komisaris yang terbukti bersalah Directors and/or Board of Commissioners found guilty of
menyebabkan perusahaan dinyatakan pailit. causing a company to be declared bankrupt.
3. Tidak pernah dihukum karena melakukan tindak pidana 3. Never having been convicted of a criminal offense that
yang merugikan keuangan negara dan/atau berkaitan caused financial loss to the state and/or related to the
dengan sektor keuangan. financial sector.
4. Tidak pernah menjadi anggota Direksi dan/atau Dewan 4. Never having served as a member of the Board of
Komisaris yang selama masa jabatannya: Directors and/or Board of Commissioners who, during
their tenure:
• Tidak menyelenggarakan RUPS Tahunan. ∙ Failed to convene the Annual General Meeting of
Shareholders (GMS).
• Pertanggungjawabannya sebagai anggota Direksi ∙ Had their accountability as a member of the Board
dan/atau Dewan Komisaris tidak diterima oleh of Directors and/or Board of Commissioners
RUPS atau tidak memberikan pertanggungjawaban not accepted by the GMS or failed to provide
kepada RUPS. accountability to the GMS.
• Pernah menyebabkan perusahaan yang ∙ Caused a company with a license, approval, or
mendapatkan izin, persetujuan, atau pendaftaran registration from the Financial Services Authority
dari Otoritas Jasa Keuangan gagal memenuhi to fail in fulfilling its obligation to submit the Annual
kewajiban untuk menyampaikan Laporan Tahunan Report and/or Financial Statements.
dan/atau Laporan Keuangan.
5. Memiliki komitmen untuk mematuhi peraturan 5. Having a commitment to comply with applicable laws
perundang-undangan yang berlaku. and regulations.
6. Memiliki pengetahuan dan/atau keahlian yang 6. Possessing the knowledge and/or expertise required by
diperlukan oleh Perseroan. the Company.
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PENGANGKATAN DAN PEMBERHENTIAN APPOINTMENT AND DISMISSAL
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Anggota Direksi diangkat dan diberhentikan oleh Rapat Members of the Board of Directors are appointed and
Umum Pemegang Saham (RUPS). Proses pengangkatan, dismissed by the General Meeting of Shareholders (GMS).
pemberhentian, dan/atau penggantian anggota Direksi yang The process of appointment, dismissal, and/or replacement
diajukan kepada RUPS dilakukan dengan memperhatikan of Directors submitted to the GMS is carried out with due
rekomendasi dari Komite Nominasi dan Remunerasi consideration of recommendations from the Nomination
and Remuneration Committee.
KOMPOSISI DIREKSI COMPOSITION OF THE BOARD OF DIRECTORS
Hingga 31 Desember 2025 jumlah anggota Direksi terdiri As of December 31, 2025, the Board of Directors consists
dari 4 (empat) orang yang diketuai Direktur Utama dan of 4 (four) members, chaired by the President Director
beranggotakan 3 (tiga) orang Direktur yang seluruhnya and comprising 3 (three) Directors, all of whom reside in
berdomisili di Indonesia. Seluruh anggota Direksi telah lulus Indonesia. All members of the Board of Directors have
penilaian kemampuan dan kepatutan (Fit and Proper Test) passed the Fit and Proper Test in accordance with approval
berdasarkan persetujuan dari Otoritas Jasa Keuangan from the Financial Services Authority (OJK), as follows:
(OJK), sebagai berikut:
Tabel Komposisi Direksi Tahun 2025 Table of the Board of Directors Composition in 2025
Periode /
No Nama / Name Jabatan / Position Dasar Pengangkatan / Basis of Appointment
Period
1. Muhammad Busthami Direktur Utama / RUPSLB 25 Januari 2023 / EGMS dated January 25, Pertama /
President Director 2023 First
2. Bambang Widyatmoko Direktur Operasional / RUPSLB 02 Desember 2022 / EGMS dated Pertama /
Director of Operations December 2, 2022 First
3. Rodi Judo Dahono Direktur Bisnis / Director RUPSLB 25 Januari 2023 / EGMS dated January 25, Pertama /
of Business 2023 First
4. Eko Virgianto Direktur Kepatuhan / RUPSLB 25 Januari 2023 / EGMS dated January 25, Pertama /
Director of Compliance 2023 First
INDEPENDENSI DIREKSI INDEPENDENCE OF THE BOARD OF DIRECTORS
Seluruh anggota Direksi Bank tidak merangkap jabatan All members of the Board of Directors do not hold concurrent
sebagai Komisaris, Direksi, dan Pejabat Eksekutif pada positions as Commissioners, Directors, or Executive
Bank, Lembaga Keuangan Non Bank atau perusahaan Officers at other banks, non-bank financial institutions,
lain, sebagaimana diatur dalam Peraturan Otoritas Jasa or other companies, in accordance with OJK Regulation
Keuangan Nomor 17 tahun 2023 tentang Penerapan No. 17 of 2023 concerning the Implementation of Good
Tata Kelola Bagi Bank Umum. Untuk menghindari konflik Corporate Governance for Commercial Banks. To avoid
kepentingan, mayoritas anggota Direksi tidak memiliki conflicts of interest, the majority of Board members do not
hubungan keuangan/kepemilikan/kepengurusan/keluarga have financial/ownership/management/family relationships
sampai derajat kedua dengan sesama anggota Dewan up to the second degree with other members of the Board of
Komisaris, anggota Direksi dan/atau Pemegang Saham Commissioners, Board of Directors, and/or the Controlling
Pengendali (PSP). Shareholder (PSP).
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
PROGRAM PENGENALAN DIREKSI BARU ORIENTATION PROGRAM FOR NEW DIRECTORS
Di tahun 2025, tidak terdapat perubahan terhadap komposisi In 2025, there were no changes in the composition of the
Direksi Perusahaan. Dengan demikian, Bank Banten tidak Company’s Board of Directors. Therefore, Bank Banten did
menyelenggarakan program pengenalan bagi anggota not conduct an orientation program for new Directors.
Direksi baru. Please confirm.
2025 Annual Report & Sustainability Report 245
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RANGKAP JABATAN DIREKSI CONCURRENT POSITIONS OF THE BOARD OF
DIRECTORS
Perseroan telah memastikan bahwa seluruh anggota Direksi The Company has ensured that all members of the Board
tidak merangkap jabatan sebagaimana yang diatur dalam of Directors do not hold concurrent positions as regulated
Peraturan Otoritas Jasa Keuangan tentang Penerapan Tata in the OJK Regulation on the Implementation of Good
Kelola Bank Umum. Selain itu, Perseroan juga memastikan Corporate Governance for Commercial Banks. In addition,
bahwa anggota Direksi tidak memegang jabatan di bank the Company ensures that Directors do not hold positions
atau perusahaan lain, baik di dalam negeri maupun luar in other banks or companies, both domestically and abroad.
negeri. Dalam rangka menjaga independensinya, Bank To maintain their independence, Bank Banten ensures that
Banten telah memastikan bahwa masing-masing anggota each member of the Board of Directors does not have family
Direksi tidak memiliki hubungan keluarga sampai derajat relationships up to the second degree with members of the
kedua dengan anggota Dewan Komisaris dan/atau Direksi Board of Commissioners and/or other Directors.
lainnya.
RAPAT DIREKSI BOARD OF DIRECTORS MEETINGS
KEBIJAKAN RAPAT DIREKSI BOARD OF DIRECTORS MEETING POLICY
Kebijakan terkait Rapat Direksi didasarkan pada Anggaran The policy regarding Board of Directors meetings is based on
Dasar Perseroan beserta perubahannya serta POJK No. the Company’s Articles of Association and its amendments,
33/POJK.04/2014, yang menetapkan bahwa Rapat Direksi as well as OJK Regulation No. 33/POJK.04/2014, which
harus dilaksanakan setidaknya satu kali dalam satu bulan. stipulates that Board of Directors meetings must be held at
least once a month.
Ketentuan rapat Direksi yang diatur dalam Anggaran Dasar The provisions for Board of Directors meetings as regulated
mencakup hal-hal berikut: in the Articles of Association include the following:
1. Rapat Direksi dapat diselenggarakan sewaktu-waktu 1. Board of Directors meetings may be convened at any
jika diperlukan oleh satu atau lebih anggota Direksi, time as needed by one or more Board members, upon
atas permintaan tertulis Dewan Komisaris, atau atas a written request from the Board of Commissioners,
permintaan tertulis dari satu atau lebih pemegang saham or at the written request of one or more shareholders
yang secara kolektif memiliki setidaknya 1/10 dari total collectively holding at least 1/10 of the total shares with
saham dengan hak suara sah yang telah ditempatkan valid voting rights issued by the Company.
oleh Perseroan.
2. Direksi wajib mengadakan rapat rutin minimal sekali 2. The Board of Directors is required to hold regular
setiap bulan. meetings at least once a month.
3. Rapat Direksi dianggap sah dan berwenang mengambil 3. A Board of Directors meeting is considered valid and
keputusan yang mengikat jika dihadiri lebih dari authorized to make binding decisions if attended by
setengah jumlah anggota Direksi, baik secara langsung more than half of the total members, either in person or
maupun melalui perwakilan. by proxy.
4. Direksi wajib menjadwalkan rapat untuk tahun berikutnya 4. The Board of Directors must schedule meetings for the
sebelum akhir tahun buku. Untuk rapat yang telah following year before the end of the current fiscal year.
dijadwalkan, materi rapat harus disampaikan kepada For scheduled meetings, meeting materials must be
peserta paling lambat lima hari sebelum pelaksanaan distributed to participants no later than five days before
rapat. the meeting.
5. Rapat Direksi dipimpin oleh Direktur Utama. Jika 5. Meetings are chaired by the President Director. If the
Direktur Utama berhalangan hadir karena alasan apa President Director is unable to attend for any reason,
pun, tanpa perlu pembuktian kepada pihak ketiga, maka without the need for proof to third parties, the meeting
rapat dapat dipimpin oleh salah satu anggota Direksi may be chaired by any other attending Director elected
yang hadir dan dipilih dalam rapat tersebut. at the meeting.
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6. Setiap anggota Direksi yang memiliki kepentingan 6. Any member of the Board of Directors who has a
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
pribadi, baik langsung maupun tidak langsung, dalam personal interest, either directly or indirectly, in a
suatu transaksi atau kontrak di mana Perseroan menjadi transaction or contract involving the Company must
salah satu pihaknya, wajib mengungkapkan kepentingan disclose such interest in the meeting and is not entitled
tersebut dalam rapat dan tidak berhak memberikan to vote on the transaction or contract, unless otherwise
suara terkait transaksi atau kontrak tersebut, kecuali jika decided by the meeting.
Rapat Direksi memutuskan sebaliknya.
7. Keputusan dalam Rapat Direksi diambil berdasarkan 7. Decisions in Board of Directors meetings are made by
musyawarah mufakat. Jika tidak tercapai mufakat, consensus. If consensus cannot be reached, decisions
keputusan ditentukan melalui pemungutan suara are made by a vote with a majority of more than half of
dengan mayoritas lebih dari setengah anggota Direksi the Directors present.
yang hadir.
8. Hasil rapat harus dicatat dalam Risalah Rapat, 8. The results of meetings must be recorded in Minutes
ditandatangani oleh seluruh anggota Direksi yang hadir, of Meeting, signed by all attending Directors, and
dan disampaikan kepada seluruh anggota Direksi. distributed to all Directors.
9. Jika ada anggota Direksi yang tidak menandatangani 9. If any Director does not sign the Minutes, they must
hasil rapat, mereka wajib menyampaikan alasannya provide a written explanation in a separate letter
secara tertulis dalam surat terpisah yang dilampirkan attached to the Minutes.
pada Risalah Rapat.
10. Rapat Direksi dapat diselenggarakan melalui 10. Board of Directors meetings may be held via
telekonferensi, video konferensi, atau media elektronik teleconference, video conference, or other electronic
lain yang memungkinkan seluruh peserta untuk media that enables all participants to communicate
berkomunikasi secara langsung dan berpartisipasi aktif directly and participate actively.
dalam rapat.
FREKUENSI DAN KEHADIRAN RAPAT DIREKSI FREQUENCY AND ATTENDANCE OF BOARD OF
DIRECTORS MEETINGS
Di tahun 2025, Direksi telah melaksanakan rapat internal In 2025, the Board of Directors held a total of 19 (nineteen)
sebanyak 19 (sembilan belas) kali rapat. Frekuensi dan internal meetings. The frequency and attendance of Board
kehadiran rapat Direksi di tahun 2025 adalah sebagai of Directors meetings in 2025 are as follows:
berikut:
Tabel Frekuensi dan Kehadiran Rapat Direksi Tahun Table of Frequency and Attendance of Board of
2025 Directors Meetings in 2025
Persentase Kehadiran
Jumlah Rapat / Jumlah Kehadiran /
No Nama / Name Jabatan / Position (%) / Attendance Rate
Total Meetings Total Attendance
(%)
1 Muhammad Busthami Direktur Utama / 19 19 100%
President Director
2 Bambang Direktur Operasional 19 16 84,2%
Widyatmoko / Director of
Operations
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
3 Rodi Judo Dahono Direktur Bisnis / 19 16 84,2%
Director of Business
4 Eko Virgianto Direktur Kepatuhan 19 17 84,9%
/ Director of
Compliance
2025 Annual Report & Sustainability Report 247
Page 250
AGENDA RAAT DIREKSI BOARD OF DIRECTORS MEETING AGENDA
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 6 Januari 2025 / January 1. Update Kegiatan Stakeholder Gathering; / Update on Stakeholder Gathering Activities;
6, 2025 2. Update Legal Opinion Inbreng, Relience dan Legal Review PKS dengan Telkom Indonesia; / Update on Legal
Opinion regarding Inbreng, Reliance, and Legal Review of Cooperation Agreement (PKS) with Telkom Indonesia;
3. Update Weekly Financial Performance dan lainnya; dan
Rapat Gabungan antara Pemprov Banten - Bank Banten - Kemendagri - OJK Banten / Update on Weekly Financial
Performance and other matters; and Joint Meeting between the Banten Provincial Government — Bank Banten —
Ministry of Home Affairs — OJK Banten.
2 13 Januari 2025 / 1. Update terkait Kelompok Usaha Bank (KUB) antara Bank Banten dengan Bank Jatim; / Update regarding the Bank
January 13, 2025 Business Group (KUB) between Bank Banten and Bank Jatim;
2. Update terkait Kegiatan Divisi Sekretariat Perusahaan dan Hukum; / Update regarding the activities of the Corporate
Secretary and Legal Division;
3. Update Terkait Percepatan RKUD Pemkot/Pemkab dan Kondisi Cabang; dan / Update on the acceleration of RKUD
for City/Regency Governments and Branch Conditions;
4. Pembahasan Agenda Lainnya / Discussion of Other Agenda Items.
3 20 Januari 2025 / 1. Update Terkait Laporan KAP Kanaka, Hasil Rapat RBB dengan OJK Pengawas Bank dan Updating KUB Bank
January 20, 2025 Banten dengan Bank Jatim; / Update on the Report of KAP Kanaka, Results of the Bank Business Plan (RBB)
Meeting with the Bank Supervisory OJK, and Update on the KUB between Bank Banten and Bank Jatim;
2. Closing Meeting Audit KAP Kanaka dengan Direksi dan Dewan Komisaris atas Laporan Keuangan PT Bank
Pembanguan Daerah Banten (Perseroda) Tbk / Closing Meeting of KAP Kanaka Audit with the Board of Directors
and Board of Commissioners on the Financial Statements of PT Bank Pembangunan Daerah Banten (Perseroda)
Tbk.
4 10 Februari 2025 / 1. Hasil dan Tindak Lanjut Due Diligence EY dalam kerangka KUB dengan Bank Jatim; / Results and Follow-up of EY
February 10, 2025 Due Diligence within the KUB framework with Bank Jatim;
2. Penyelesaian Kantor Utama Bank Banten dan Rencana Pindah; / Completion of Bank Banten’s Head Office and
Relocation Plan;
3. Penyelesaian Proposal Kredit Anggota DPRD yang masih pending; / Resolution of Pending Credit Proposals for
Members of the Regional Legislative Council (DPRD);
4. Update Hasil Kajian Inspektorat atas SOP Pengadaan Barang dan Jasa; / Update on the Inspectorate’s Review of
the Procurement of Goods and Services SOP
5. Update tentang Rencana Pembayaran dan Perpanjangan PKS dengan Telkom Sigma; dan / Update on the Payment
Plan and Renewal of Cooperation Agreement (PKS) with Telkom Sigma; and
6. Update KPI dan Rapat Kerja (Raker) Tahun 2025 / Update on KPIs and 2025 Work Conference (Raker).
5 13 Februari 2025 / Pembahasan Finalisasi Draft SOP Kredit Beragunan Tunai / Discussion on the Finalization of the Draft SOP for Cash-
February 13, 2025 Collateralized Credit.
6 24 Februari 2025 / 1. Update Laporan Keuangan, Kelompok Usaha Bank (KUB), Rapat Umum Pemegang Saham Tahunan (RUPST)
February 24, 2025 dan Rencana Perpindahan Kantor Pusat; / Update on Financial Statements, Bank Business Group (KUB), Annual
General Meeting of Shareholders (AGMS), and Head Office Relocation Plan;
2. Update Rencana Penyeragaman Tanggal Jatuh Tempo Kewajiban Kredit Debitur; / Update on the Plan for
Standardizing Loan Maturity Dates for Debtors;
3. Analisis Internal atas Rencana Eksekusi Debitur Kredit Bermasalah Yang Nilai Agunannya Lebih Kecil dari
Outstanding Kewajiban Kredit; / Internal Analysis of the Execution Plan for Non-Performing Loan Debtors Whose
Collateral Value is Less Than the Outstanding Loan Obligation;
4. Update Penataan dan Rencana Sentralisasi Pengelolaan User Id di Bank Banten; / Update on the Arrangement and
Plan for Centralization of User ID Management at Bank Banten;
5. Update tentang Penetapan Report dan GL Harian Yang Wajib Diperiksa Kepala KC/KCP Sebelum Buka Cabang
dan Setelah Tutup Cabang; / Update on the Establishment of Daily Reports and General Ledger (GL) Required to
be Reviewed by Branch/Sub-Branch Heads Before Opening and After Closing;
6. Rencana Penerapan POJK Tentang Perlindungan Konsumen dalam Kaitannya Memperkuat Organisasi dan Tugas
Unit Customer Service dan Unit Penyelesaian Keluhan Nasabah (Including Penguatan Call Center) / Plan for the
Implementation of the OJK Regulation on Consumer Protection in Connection with Strengthening the Organization
and Duties of the Customer Service Unit and the Customer Complaint Resolution Unit (Including Call Center
Strengthening).
7 27 Februari 2025 / 1. Update Pembahasan Rapat Umum Pemegang Saham Tahunan; / Update on the Discussion of the Annual General
February 27, 2025 Meeting of Shareholders;
2. Update Pembahasan Kelompok Usaha Bank; dan / Update on the Discussion of the Bank Business Group; and
3. Pola Pengelolaan PKS (Termasuk Mekanisme Control Jatuh Tempo PKS) dan Tagihan Biaya Vendor Yang Belum
Dibayar Bank Banten / anagement Pattern of Cooperation Agreements (PKS) (Including the Mechanism for
Controlling PKS Maturity Dates) and Outstanding Vendor Charges Not Yet Paid by Bank Banten.
8 24 Maret / March 24 1. Pembahasan Umum Terkait Pertumbuhan Bisnis, Efisiensi Biaya dan Kendala atau Permasalahan Yang Akan
Diatasi; / General Discussion on Business Growth, Cost Efficiency, and Obstacles or Issues to be Addressed;
2. Usulan Penyesuaian Batas Wewenang Minimum Kredit Program Jawara KMKK; / Proposed Adjustment of the
Minimum Authority Limit for the Jawara KMKK Credit Program;
3. Update Weekly Financial Report; / Update on Weekly Financial Report;
4. Update Persiapan RUPST, RUPSLB dan PUT VIII. / Update on Preparations for the AGMS, EGMS, and Rights
Issue VIII (PUT VIII).
9 17 Maret 2025 / March 1. Pembahasan Kelompok Usaha Bank; / Free School Program and Motor Vehicle Tax Amnesty
17, 2025 2. Pembahasan Sentralisasi Pengelolaan User ID; / Progress on Insurance and Fronting Issues;
3. Pembahasan Penyeragaman Tanggal Jatuh Tempo Perjanjian Kredit. / Progress on the Completion and Planned
Commencement of Operations at the Head Office.
248 Laporan Tahunan & Laporan Keberlanjutan 2025
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No Tanggal / Date Agenda Rapat / Meeting Agenda
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
10 6 Mei 2025 / May 6, 1. Program Sekolah Gratis dan Pemutihan Pajak Kendaraan Bermotor; / Free School Program and Motor Vehicle Tax
2025 Amnesty;
2. Progres Masalah Perasuransian dan Fronting; / Progress on Insurance and Fronting Issues;
3. Progres Penyelesaian dan Rencana Mulai Operasi Kantor Pusat. / Progress on the Completion and Planned
Commencement of Operations at the Head Office.
11 2 September 2025 / 1. Progres KUB dengan Bank Jatim; / Progress on the KUB with Bank Jatim;
September 2, 2025 2. Proses KUB dengan Bank Jatim dan Pengesahan sebagai Pemegang Saham Pengendali; / KUB Process with
Bank Jatim and Ratification as Controlling Shareholder;
3. Strategi Mengenai Pemenuhan Modal Rp 10 miliar, Perolehan Saham dan Proposal Relaksasi APP Kepada OJK;
/ trategy Regarding the Fulfillment of Rp10 Billion Capital Requirement, Share Acquisition, and Proposal for APP
Relaxation to OJK; Relaksasi Restrukturisasi Keuangan dan Pelaporan Kepada OJK. / Financial Restructuring
Relaxation and Reporting to OJK.
12 8 September 2025 / Pembahasan KUB, Relaksasi APP, Pajak Tangguhan & Posisi Keuangan. / Discussion on KUB, APP Relaxation,
September 8, 2025 Deferred Tax, and Financial Position.
13 9 September 2025 / Pembahasan Penyelesaian WO/NPL, Realisasi Klaim dan Kinerja Keuangan / Discussion on Write-Off (WO)/NPL
September 9, 2025 Resolution, Claim Realization, and Financial Performance.
14 10 September 2025 / Review dan Konsultatif Pembayaran Kepada Pihak Ketiga (Vendor) Sesuai SOP. / Review and Consultation on
September 10, 2025 Payments to Third Parties (Vendors) in Accordance with SOP.
15 11 September 2025 / Pilot Project Cash Management System (CMS). / Pilot Project for Cash Management System (CMS).
September 11, 2025
16 2 Oktober 2025 / Pembahasan Pending Pembayaran, Pengadaan dan Perjanjian Kerjasama (PKS) Barang dan Jasa dengan Vendor
October 2, 2025 Yang Ada di Direktorat Operasional / Discussion on Pending Payments, Procurement, and Cooperation Agreements
(PKS) for Goods and Services with Vendors under the Operations Directorate.
17 7 Oktober 2025 1. Call Center;
2. Standarisasi Frontliner; / Frontliner Standardization;
3. Gedung PLUT dengan Konsultan. / PLUT Building with Consultant.
18 28 Oktober 2025 / 1. Pembahasan Kerjasama Jasa Layanan Call Center Selama 2 Tahun dengan Total ANggaran Sebesar Rp
October 28, 2025 1.391.810.400,- dan Biaya Traffic Usage dan Whatsapp Business sesuai Pemakaian Kepada PT Jaring Synergi
Mandiri; / Discussion on the Call Center Service Agreement for 2 Years with a Total Budget of Rp1,391,810,400 and
Traffic Usage and WhatsApp Business Fees Based on Usage with PT Jaring Synergi Mandiri;
2. Pembahasan Anggaran Biaya Jasa Lauanan Telkom Solution PT Telkom Indonesia (Persero) Tbk Periode
Desember 2024 sampai dengan Juni 2025. / Discussion on the Service Fee Budget for Telkom Solution by PT
Telkom Indonesia (Persero) Tbk for the Period of December 2024 to June 2025.
19 16 Desember 2025 / Pembahasan Perpanjangan IBB/CMS. / Discussion on the Renewal of IBB/CMS.
December 16, 2025
PELAKSANAAN TUGAS DIREKSI IMPLEMENTATION OF THE BOARD OF DIRECTORS
DUTIES
Di sepanjang tahun 2025, Direksi telah melaksanakan Throughout 2025, the Board of Directors has carried out the
tugas dan tanggung jawab sebagai berikut: following duties and responsibilities:
1. Melaksanakan tugas dan tanggung jawabnya dalam 1. Performed its duties and responsibilities in managing
mengelola Bank sesuai dengan kewenangan, Anggaran the Bank in accordance with its authority, the Articles of
Dasar dan peraturan perundang-undangan yang Association, and applicable laws and regulations.
berlaku.
2. Melaksanakan prinsip-prinsip tata kelola Bank (Good 2. Implemented the principles of Good Corporate
Corporate Governance) dalam setiap kegiatan usaha Governance in all of the Bank’s business activities
Bank pada seluruh jenjang organisasi Bank, dengan at every organizational level, in compliance with
memenuhi ketentuan Otoritas Jasa Keuangan dan the Financial Services Authority and other relevant
pihak otoritas terkait lainnya. authorities.
3. Menetapkan kebijakan strategis tahun 2025 untuk 3. Established the 2025 strategic policies to improve
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
meningkatkan kinerja Bank Banten, dan membahas Bank Banten’s performance and discussed them with
dengan Komite-komite Direksi dan jajaran organisasi. the Board of Directors’ Committees and organizational
units.
2025 Annual Report & Sustainability Report 249
Page 252
4. Menyusun Rencana Bisnis Bank tahun 2026-2028 4. Prepared the Bank’s Business Plan for 2026–2028 to
untuk disampaikan ke Otoritas Jasa Keuangan setelah be submitted to the Financial Services Authority after
disetujui oleh Dewan Komisaris. approval by the Board of Commissioners.
5. Menyediakan data dan informasi keuangan Bank selama 5. Provided financial data and information for 2025 and
tahun 2025 serta membahasnya bersama-sama Dewan discussed it jointly with the Board of Commissioners and
Komisaris dan Komite-Komite Dewan Komisaris. the Board of Commissioners’ Committees.
6. Menindaklanjuti rekomendasi audit internal dan audit 6. Followed up on internal and external audit
eksternal selama tahun 2025. recommendations throughout 2025.
7. Menyampaikan laporan kepada Otoritas Jasa 7. Submitted reports to the Financial Services Authority,
Keuangan, Bank Indonesia dan pihak otoritas terkait Bank Indonesia, and other relevant authorities during
lainnya selama tahun 2025. 2025.
8. Mendorong pelaksanaan budaya kepatuhan, pedoman 8. Promoted a culture of compliance, code of conduct,
perilaku dan kode etik kepada segenap jajaran and ethics throughout the organization, as well as
organisasi, Strategi Anti Fraud dan Pedoman Know implementing the Anti-Fraud Strategy and Know Your
Your Employee. Employee Guidelines.
9. Mempertanggungjawabkan pelaksanaan tugasnya 9. Accounted for its performance in 2025 to the
selama tahun 2025 kepada pemegang saham melalui shareholders through the Annual General Meeting of
Rapat Umum Pemegang Saham Tahunan. Shareholders.
PENGEMBANGAN KOMPETENSI DIREKSI BOARD OF DIRECTORS COMPETENCY
DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan Bank Banten periodically provides opportunities for all
kepada seluruh insan Perusahaan untuk ikut serta dan personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. programs. The participation of the Board of Directors in
Keikutsertaan Dewan Komisaris dalam program kompetensi competency programs in 2025 includes:
di tahun 2025 di antaranya:
Tabel Pengembangan Kompetensi Dewan Komisaris Table of Board of Directors Competency Development
Tahun 2025 in 2025
Program Kompetensi / Pelaksanaan /
Nama / Name Jabatan / Position
Competency Development Program Implementation
Muhammad Busthami Direktur Utama / Penyetaraan dan Penyelarasan Sertifikasi Manajemen Risiko 22 - 26 April 2025 /
President Director Dewan Komisaris dan Direksi / Equalization and Alignment of April 22-26, 2025
Risk Management Certification for the Board of Commissioners
and Directors
Seminar Nasional BPDSI – Ancaman Cyber Crime di Era 7 Agustus 2025 /
Digital bagi BPDSI / BPDSI National Seminar – Cyber Crime August 7, 2025
Threats in the Digital Era for BPDSI
250 Laporan Tahunan & Laporan Keberlanjutan 2025
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Program Kompetensi / Pelaksanaan /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Nama / Name Jabatan / Position
Competency Development Program Implementation
Bambang Direktur Operasional Workshop Everything Will Be Digital, How Sure You Are 18 Januari 2025 /
Widyatmoko / Director of Jan-uary 18, 2025
Operations Branch Operation Improvement Batch 1 20 Februari 2025 /
February 20, 2025
Branch Operation Improvement Batch 2 22 Februari 2025 /
February 22, 2025
Branch Operation Improvement Batch 3 27 Februari 2025 /
February 27, 2025
Branch Operation Improvement Batch 4 28 Februari 2025 /
February 28, 2025
Workshop Multipolar BPD Forum - Becoming Data Driven 5 – 7 Maret 2025 /
Organization / Multipolar BPD Forum Workshop - Becoming March 5-7, 2025
Data Driven Organization
Penyetaraan & Penyelarasan Sertifikasi Manajemen Risiko 22 – 26 April 2025 /
Dewan Komisaris & Direksi / Equalization and Alignment of April 22-26, 2025
Risk Management Certification for the Board of Commissioners
& Directors
Workshop IT BPDSI : Tantangan dan Strategi Penguatan 25 Juli 2025 /
Ketahanan Siber / BPDSI IT Workshop: Challenges and July 25, 2025
Strategies for Strengthening Cyber Resilience
Workshop It & Security 28 Agustus 2025 /
August 28, 2025
Workshop Neutra DC Summit 2024 25 - 26 Agustus 2025
/ August 25-26, 2025
Rodi Judo Dahono Direktur Bisnis / Penyetaraan dan Penyelarasan Sertifikasi Manajemen Risiko 22 - 26 April 2025 /
Director of Business Dewan Komisaris dan Direksi / Equalization and Alignment of April 22-26, 2025`
Risk Management Certification for the Board of Commissioners
and Directors
Sertifikasi Treasury Advance - Direktur Bisnis / Treasury 26 - 27 September
Advance Certification – Director of Business 2025 / September
26-27, 2025
Workshop Treasury Banking Summit / Treasury Banking 01 - 02 November
Summit Workshop 2025 / November 1-2,
2025
Workshop Treasury BPDSI / BPDSI Treasury Workshop 04 November 2025 /
November 4, 2025
Eko Virgianto Direktur Kepatuhan Penyetaraan dan Penyelarasan Sertifikasi Manajemen Risiko 22 - 26 April 2025 /
/ Director of Dewan Komisaris dan Direksi / Equalization and Alignment of April 22-26, 2025
Compliance Risk Management Certification for the Board of Commissioners
and Directors
HR Summit Conference: Immerse Yourself in This Conference 28 Mei 2025 / May
With Distinguished HR Expert 28, 2025
PENILAIAN KINERJA KOMITE DIREKSI PERFORMANCE ASSESSMENT OF THE BOARD OF
DIRECTORS COMMITTEES
Dalam pelaksanaan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
didukung oleh Komite Kebijakan Perkreditan, Komite of Directors is supported by the Credit Policy Committee,
Manajemen Risiko, Komite Pengarah Teknologi Informasi Risk Management Committee, IT Steering Committee,
(IT Steering Committee), Komite Kredit dan Komite Credit Committee, and Asset and Liability Management
Manajemen Aset dan Kewajiban. Di sepanjang tahun 2025, Committee. Throughout 2025, the Board of Directors
Direksi menilai bahwa seluruh komite pendukung telah assesses that all supporting committees have carried out
melaksanakan tugas dan tanggung jawabnya dengan efektif their duties and responsibilities effectively and optimally.
2025 Annual Report & Sustainability Report 251
Page 254
dan optimal. Masing-masing komite telah berkontribusi aktif Each committee has actively contributed to managing the
dalam menjalankan peran untuk melakukan pengelolaan Company, participating in meetings, and providing input
terhadap Perusahaan, ikut serta dalam rapat hingga and support to the Board of Directors.
memberikan masukan dan dukungan kepada Direksi.
Selain itu, Direksi juga didukung oleh organ pendukung In addition, the Board of Directors is also supported by other
meliputi Sekretaris Perusahaan dan Satuan Kerja Audit supporting organs, including the Corporate Secretary and
Internal. Organ pendukung juga telah berkontribusi aktif the Internal Audit Unit. These supporting organs have also
dengan menjalankan peran dan melaksanakan tugas dan actively contributed by effectively and optimally performing
tanggung jawabnya dengan efektif dan optimal. Direksi their roles and responsibilities. The Board of Directors
berharap kinerja baik yang dihasilkan, senantiasa dijaga hopes that this strong performance will be maintained
dan terus di tingkatkan. Sehingga akan berdampak positif and continuously improved, leading to positive growth and
bagi pertumbuhan dan keberlanjutan Bank Banten di masa sustainability for Bank Banten in the future.
mendatang.
INFORMASI RAPAT GABUNGAN DEWAN INFORMATION ON JOINT MEETINGS OF
KOMISARIS DAN DIREKSI THE BOARD OF COMMISSIONERS AND
BOARD OF DIRECTORS
KEBIJAKAN RAPAT GABUNGAN DEWAN JOINT MEETING POLICY OF THE BOARD OF
KOMISARIS DAN DIREKSI COMMISSIONERS AND BOARD OF DIRECTORS
Berdasarkan Peraturan Otoritas Jasa Keuangan No.33/ Based on OJK Regulation No. 33/POJK.04/2014, the Board
POJK.04/2014, Dewan Komisaris dan Direksi wajib of Commissioners and the Board of Directors are required to
mengadakan rapat bersama secara berkala paling sedikit hold joint meetings on a regular basis, at least once every 4
1 (satu) kali dalam setiap 4 (empat) bulan. Tata cara (four) months. The procedures for conducting joint meetings
pelaksanaan Rapat Gabungan Dewan Komisaris dan are the same as those for the Board of Commissioners
Direksi adalah sama dengan Rapat Dewan Komisaris. meetings.
FREKUENSI DAN KEHADIRAN RAPAT GABUNGAN FREQUENCY AND ATTENDANCE OF JOINT
DEWAN KOMISARIS DAN DIREKSI MEETINGS OF THE BOARD OF COMMISSIONERS AND
BOARD OF DIRECTORS
Di tahun 2025, Dewan Komisaris dan Direksi telah In 2025, the Board of Commissioners and Board of Directors
melaksanakan rapat gabungan sebanyak 10 (sepuluh) kali held a total of 10 (ten) joint meetings. The frequency
rapat. Frekuensi dan kehadiran rapat gabungan antara and attendance of joint meetings between the Board of
Dewan Komisaris dan Direksi di tahun 2025 adalah sebagai Commissioners and the Board of Directors in 2025 were
berikut: as follows:
Tabel Frekuensi dan Kehadiran Rapat Gabungan Table of Frequency and Attendance of Joint Meetings
Tahun 2025 in 2025
Persentase Kehadiran
Jumlah Rapat / Jumlah Kehadiran /
No Nama / Name Jabatan / Position (%) / Attendance Rate
Total Meetings Total Attendance
(%)
Dewan Komisaris / Board of Commissioners
1 Hoiruddin Komisaris Utama 10 8 80%
Hasibuan Independen /
Independent President
Commissioner
2 Deden Riki Komisaris Independen 10 10 100%
Hayatul Firman / Independent
Commissioner
252 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 255
Persentase Kehadiran
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Jumlah Rapat / Jumlah Kehadiran /
No Nama / Name Jabatan / Position (%) / Attendance Rate
Total Meetings Total Attendance
(%)
3 Usman Asshiddiqi Komisaris / 10 2 20%
Qohara* Commissioner
4 Rina Dewiyanti** Komisaris / 10 8 80%
Commissioner
Direksi / Board of Directors
1 Muhammad Direktur Utama / 10 10 60%
Busthami President Director
2 Bambang Direktur Operasional / 10 10 60%
Widyatmoko Director of Operations
3 Rodi Judo Direktur Bisnis / Director 10 10 60%
Dahono of Business
4 Eko Virgianto Direktur Kepatuhan / 10 10 60%
Director of Compliance
*) Bapak Usman Asshiddiqi Qohara tidak menjabat sebagai Komisaris per *) Mr. Usman Asshiddiqi Qohara no longer serves as Commissioner as of
tanggal 10 April 2025. April 10, 2025.
**) Ibu Rina Dewiyanti diangkat menjadi Komisaris berdasarkan RUPST **) Ms. Rina Dewiyanti was appointed as Commissioner by the AGMS on
tanggal 10 April 2025 dan sudah efektif tanggal 5 Agustus 2025. April 10, 2025, with the appointment becoming effective on August 5, 2025.
AGENDA RAAT GABUNGAN DEWAN KOMISARIS JOINT MEETINGS OF THE BOARD OF
DAN DIREKSI COMMISSIONERS AND BOARD OF DIRECTORS
AGENDA
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 22 Januari 2025 / Penerapan Tata Kelola Dewan Komisaris & Komite Dewan Komisaris Tahun 2024. / Implementation of
January 22, 2025 Corporate Governance by the Board of Commissioners & Board of Commissioners Committees for the
Year 2024.
2 11 Maret 2025 / 1. Update Proses Rencana Kelompok Usaha Bank antara Bank Banten dengan Bank Jatim; / Update
March 11, 2025 on the Bank Business Group (KUB) Process between Bank Banten and Bank Jatim;
2. Update Progress RKUD; / Update on RKUD Progress;
3. Update Perkembangan Penyelesaian Gedung Baru Kantor Pusat Bank Banten. / pdate on the
Progress of the Completion of Bank Banten’s New Head Office Building.
3 23 April 2025 / April 1. Summary Realisasi Action Plan Penyehatan Bank Periode 31 Maret 2025; / Summary of the
23, 2025 Realization of the Bank Recovery Action Plan for the Period ending March 31, 2025;
2. Persiapan Penyusunan Laporan Manajemen dan Hasil Pengawasan Dewan Komisaris Tahun 2024
(PBI No. 23/6/PBI/2021 tentang Penyedia Jasa Pembayaran); / Preparation of the Management
Report and Results of the Board of Commissioners’ Supervisory Report for 2024 (Bank Indonesia
Regulation No. 23/6/PBI/2021 concerning Payment Service Providers);
3. Pemenuhan Bank atas Kewajiban Pembentukan Unit Kerja Khusus Yang Independen Yang
Bertanggung Jawab Terhadap Pencegahan atau Manipulasi Dalam Laporan Keuangan Bank Umum
(POJK No. 15 Tahun 2024 tentang Integritas Pelaporan Keuangan Bank Umum); / The Bank’s
Fulfillment of the Obligation to Establish an Independent Dedicated Work Unit Responsible for the
Prevention or Manipulation of Financial Reporting of Commercial Banks (POJK No. 15 of 2024
concerning the Integrity of Financial Reporting of Commercial Banks);
4. Issue Strategis Lainnya. / Other Strategic Issues.
4 15 Juli 2025 / July 15, 1. Progres Aktivitas Kelompok Usaha Bank / Progress on Bank Business Group (KUB) Activities;
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2024 2. Data Keuangan Januari - Juli 2025 dan Prognosa 2025; / Financial Data for January – July 2025 and
2025 Prognosis;
3. Update Realisasi APP Juni 2025; / Update on the Realization of APP as of June 2025;
4. Issue Strategis Lainnya. / Other Strategic Issues.
5 11 Agustus 2025 / 1. Progres Aktivitas Kelompok Usaha Bank / Bank Business Group Activity Progress
August 11, 2025 2. Update Realisasi APP Agustus 2025 / APP Realization Update as of August 2025
3. Issue Strategis Lainnya / Other Strategic Issues
2025 Annual Report & Sustainability Report 253
Page 256
No Tanggal / Date Agenda Rapat / Meeting Agenda
6 18 September 2025 / 1. Update Progres Realisasi APP s.d Posisi Agustus 2025; / Update on the Progress of APP Realization
September 18, 2025 up to the Position of August 2025;
2. Update Progres KUB dan Inbreng Posisi Terakhir; / Update on KUB Progress and Inbreng Latest
Position;
3. Update Terkait Self-Assessment Perlindungan Konsumen Perlu disubmit ke OJK akhir September;
/ Update on Consumer Protection Self-Assessment Required to be Submitted to OJK by End of
September; Update Terkait Perlindungan Data Pribadi Nasabah. / Update on the Protection of
Customer Personal Data.
7 18 September 2025 / Kepatuhan Bank atas Pelaksanaan POJK No.22 Tahun 2023 Tentang Pelindungan Konsumen dan
September 18, 2025 Masyarakat di Sektor Jasa Keuangan (Self-Assesment Pelindungan Konsumen yang perlu di submit
ke OJK pada 30 September). / Bank Compliance with the Implementation of POJK No. 22 of 2023
concerning Consumer and Public Protection in the Financial Services Sector (Consumer Protection
Self-Assessment to be Submitted to OJK by September 30).
8 19 November 2025 / APU PPT PPPSPM Tahun 2025. / AML-CFT and PF-WMD (APU PPT PPPSPM) for the Year 2025.
November 19, 2025
9 19 November 2025 / 1. Realisasi APP Oktober 2025 (Termasuk Update Progress KUB dan Persiapan Pembahasan Agenda
November 19, 2025 RUPSLB); / Realization of APP for October 2025 (Including Update on KUB Progress and Preparation
for the Discussion of the EGMS Agenda);
2. Update Literasi dan Inklusi Keuangan Tahun 2025; / Update on Financial Literacy and Inclusion for
2025;
3. Recovery Plan 2026 yang akan disubmit ke OJK; dan / Recovery Plan 2026 to be Submitted to OJK;
and
4. Resolution Plan/Rencana Rosulusi Bank yang akan disubmit ke LPS. / Resolution Plan/Bank
Resolution Plan to be Submitted to the Deposit Insurance Corporation (LPS).
10 19 Desember 2025 / 1. Update Cyber Security (Penerapan POJK Nomor 11/POJK.03/2022 Tahun 2022 tentang
September 19, 2025 Penyelenggaraan Teknologi Informasi Oleh Bank Umum); / Update on Cyber Security (Implementation
of POJK No. 11/POJK.03/2022 of 2022 concerning the Implementation of Information Technology by
Commercial Banks);
2. Persiapan Tutup Buku Tahun 2025. / Preparation for the 2025 Year-End Closing.
INFORMASI REMUNERASI DEWAN INFORMATION FOR REMUNERATION FOR
KOMISARIS DAN DIREKSI THE BOARD OF COMMISSIONERS AND
BOARD OF DIRECTORS
KEBIJAKAN REMUNERASI DEWAN KOMISARIS DAN REMUNERATION POLICY FOR THE BOARD OF
DIREKSI COMMISSIONERS AND BOARD OF DIRECTORS
Remunerasi bagi Dewan Komisaris dan Direksi ditetapkan Remuneration for the Board of Commissioners and the
melalui keputusan Rapat Umum Pemegang Saham Board of Directors is determined by resolution of the
(RUPS). Untuk tahun 2025, besaran remunerasi Dewan General Meeting of Shareholders (GMS). For 2025, the
Komisaris dan Direksi masih mengacu pada keputusan amount of remuneration for the Board of Commissioners
RUPS Tahunan tahun 2018. and the Board of Directors referred to the resolution of the
2018 Annual GMS.
Gaji dan remunerasi bagi anggota Dewan Komisaris Salaries and remuneration for members of the Board of
dan Direksi telah diatur dalam Surat Keputusan Dewan Commissioners and Board of Directors are regulated in
Komisaris dan Direksi PT Bank Pembangunan Daerah the Decree of the Board of Commissioners and Board of
Banten Tbk, dengan No. 004/SK/KOM-BB/VI/2022 dan Directors of PT Bank Pembangunan Daerah Banten Tbk,
080/SK/DIR-BB/VI/2022, yang ditetapkan pada 7 Juni 2022 No. 004/SK/KOM-BB/VI/2022 and No. 080/SK/DIR-BB/
mengenai Kebijakan Remunerasi Dewan Komisaris dan VI/2022, dated June 7, 2022, concerning the Remuneration
Direksi. Policy for the Board of Commissioners and Board of
Directors.
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STRUKTUR REMUNERASI DEWAN KOMISARIS DAN REMUNERATION STRUCTURE FOR THE BOARD OF
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
DIREKSI COMMISSIONERS AND BOARD OF DIRECTORS
Bank Banten telah memberikan remunerasi kepada anggota Bank Banten provides remuneration to members of the
Dewan Komisaris dan Direksi dengan struktur remunerasi Board of Commissioners and Board of Directors with the
sebagai berikut: following structure:
1. Gaji. 1. Salary.
2. Bonus. 2. Bonus.
3. Tunjangan rutin. 3. Routine allowances.
4. Tantiem. 4. Tantiem (profit sharing).
5. Fasilitas lain dalam bentuk natura (perumahan, 5. Other benefits in kind (housing, transportation, health
transportasi, asuransi Kesehatan dan sebagainya yang insurance, and other facilities that may or may not be
dapat dimiliki dan tidak dapat dimiliki). owned).
6. Fasilitas lainnya dalam bentuk non natura. 6. Other benefits in non-kind form.
BESARAN MASING-MASING REMUNERASI DEWAN REMUNERATION AMOUNTS FOR THE BOARD OF
KOMISARIS DAN DIREKSI COMMISSIONERS AND BOARD OF DIRECTORS
Tabel Besaran Remunerasi Masing-masing Dewan Table of Remuneration Amounts for the Board of
Komisaris dan Direksi Tahun 2025 Commissioners and Directors in 2025
Jumlah Diterima dalam 1 Tahun (2025) / Amount
Received in 1 Year (2025)
Jenis Remunerasi dan Fasilitas Lain / Dewan Komisaris / Board
No Direksi / Board of Directors
Types of Remuneration and Other Facilities of Commissioners
Orang / Rp Juta / Orang / Rp Juta /
People Rp Million People Rp Million
1 Gaji, bonus, tunjangan rutin, tantiem dan fasilitas lainnya dalam 4 5.515 4* 2.558
bentuk non natura / Salary, bonuses, routine allowances,
tantiem and other facilities in nonkind form
2 Fasilitas lain dalam bentuk natura (perumahan, transportasi, 4 3.484 4* 893
asuransi Kesehatan dan sebagainya yang dapat dimiliki
dan tidak dapat dimiliki) / Other facilities in kind (housing,
transportation, health insurance and so forth that can and
cannot be owned)
Total 8.999 3.451
Keterangan: Notes:
*) Bapak Usman Asshiddiqi Qohara dalam proses permohonan FPT dan *) Mr. Usman Asshiddiqi Qohara is currently in the process of submitting a
berdasarkan Keputusan RUPS tanggal 10 April 2025 non aktif menjabat Fit and Proper Test (FPT) application and, pursuant to the General Meeting
sebagai Komisaris. of Shareholders (GMS) Resolution dated April 10, 2025, has been rendered
inactive in his capacity as Commissioner.
*) 1 (satu) anggota Dewan Komisaris atas nama Ibu Rina Dewiyanti *) 1 (one) member of the Board of Commissioners, namely Ms. Rina
berdasarkan Keputusan RUPS tanggal 10 April 2025 menjabat sebagai Dewiyanti, pursuant to the General Meeting of Shareholders (GMS)
Komisaris Bank. Resolution dated April 10, 2025, has been appointed as Commissioner of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
the Bank.
Rincian paket remunerasi berdasarkan tingkat penghasilan The details of the remuneration package based on the
yang diterima oleh anggota Dewan Komisaris dan Direksi di level of income received by members of the Board of
tahun 2025 adalah sebagai berikut: Commissioners and the Board of Directors in the year 2025
are as follows:
2025 Annual Report & Sustainability Report 255
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Jumlah Renumerasi per Orang dalam 1 (satu) Tahun (2025) / Dewan Komisaris / Board Direksi / Board of
No
Amount of Remuneration per Person in 1 (one) Year (2025) of Commissioners Directors
1 Di atas Rp2 miliar / Above Rp2 billion - -
2 Di atas Rp1 miliar s.d. Rp2 miliar / Above Rp1 billion to Rp2 billion 4 -
3 Di atas Rp500 juta s.d. Rp1 miliar / Above Rp500 million to Rp1 billion - 3
4 Rp 500 juta ke bawah / Rp500 million and below - 1
REMUNERASI YANG BERSIFAT VARIABEL VARIABLE REMUNERATION
Di tahun 2025, tidak terdapat pemberian remunerasi variabel In 2025, there will be no variable remuneration provided to
kepada Dewan Komisaris, Direksi, maupun Karyawan. the Board of Commissioners, Directors, or Employees.
Jumlah Diterima dalam 1 Tahun (2025) /
Amount Received in 1 Year (2025)
Dewan Komisaris / Board
No Uraian* / Description* Direksi / Board of Directors
of Commissioners
Orang / Rp Juta / Orang / Rp Juta /
People Rp Million People Rp Million
1 Remunerasi yang Bersifat Variabel / Variable Remuneration - - - -
Keterangan: Notes:
*) Tidak ada penerima maupun total remunerasi variabel yang dijamin *) There are no recipients of, nor any total variable remuneration unconditionally
tanpa syarat untuk diberikan oleh Bank kepada calon Direksi, calon Dewan guaranteed to be granted by the Bank to prospective members of the Board
Komisaris, dan/atau calon Karyawan selama satu tahun pertama bekerja. of Directors, prospective members of the Board of Commissioners, and/or
*) Total remunerasi variabel yang ditangguhkan, baik dalam bentuk tunai prospective Employees during the first year of employment.
maupun saham atau instrumen berbasis saham yang diterbitkan oleh Bank, *) The total variable remuneration that has been deferred, whether in the
adalah tidak ada. form of cash, shares, or share-based instruments issued by the Bank, is nil.
*) Total remunerasi variabel yang ditangguhkan dan dibayarkan dalam satu *) The total variable remuneration that has been deferred and paid out within
tahun juga tidak ada. one year is also nil.
SHARE OPTION SHARE OPTION
Di tahun 2025, tidak terdapat share option yang diberikan In 2025, share options were not granted to the Board of
kepada Dewan Komisaris, Direksi, dan Pejabat Eksekutif Commissioners, Board of Directors, or Executive Officers.
Informasi rasio gaji tertinggi dan terendah di tahun 2025 The highest and lowest salary ratio information for 2025 is
adalah sebagai berikut: as follows:
Uraian / Description Rasio / Ratio
Rasio Gaji Pegawai yang tertinggi dan terendah / Highest and Lowest Employee Salary Ratio 19.04%
Rasio Gaji Direksi yang tertinggi dan terendah / Highest and Lowest Board of Directors Salary Ratio 1.25%
Rasio Gaji Komisaris yang tertinggi dan terendah / Highest and Lowest Board of Commissioners Salary 1.25%
Ratio
Rasio Gaji Direksi tertinggi dan Pegawai tertinggi / Highest Board of Directors to Highest Employee 2.15%
Salary Ratio
JABATAN DAN JUMLAH PIHAK YANG MENJADI POSITIONS AND NUMBER OF MATERIAL RISK
MATERIAL RISK TAKER (MRT) TAKERS (MRT)
Penentuan jabatan dan individu yang termasuk dalam The determination of positions and individuals categorized
kategori MRT telah ditetapkan dalam kebijakan remunerasi as Material Risk Takers (MRT) has been established in
Bank, yang mencakup Direksi, Dewan Komisaris, Pejabat the Bank's remuneration policy, which includes the Board
Eksekutif, serta karyawan yang menerima remunerasi of Directors, Board of Commissioners, Executive Officers,
variabel dalam jumlah signifikan. as well as employees who receive significant amounts of
variable remuneration.
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Remunerasi yang Bersifat Tetap / Fixed Remuneration Jumlah / Total
Tunai / Cash 27.014.838.643
Saham/Instrumen yang berbasis saham yang diterbitkan Bank / Shares/Sharebased instruments issued NIHIL / NIL
by the Bank
Tidak Ditangguhkan /
Remunerasi yang Bersifat Tetap / Fixed Remuneration Ditangguhkan / Deferred
Not Deferred
Tunai / Cash NIHIL / NIL NIHIL / NIL
Saham/Instrumen yang berbasis saham yang diterbitkan Bank / NIHIL / NIL NIHIL / NIL
Shares/Sharebased instruments issued by the Bank
INFORMASI HUBUNGAN AFILIASI DEWAN INFORMATION ON AFFILIATIONS OF THE
KOMISARIS DAN DIREKSI BOARD OF COMMISSIONERS AND BOARD
OF DIRECTORS
Hubungan afiliasi mengacu pada keterkaitan yang dimiliki Affiliation refers to relationships held by members of the
oleh Direksi, Dewan Komisaris, serta Pemegang Saham Board of Directors, Board of Commissioners, as well as the
Utama dan/ atau Pengendali Perseroan dalam bentuk: Majority and/or Controlling Shareholders of the Company in
1. Hubungan kekerabatan melalui perkawinan atau garis the form of:
keturunan hingga derajat kedua, baik secara horizontal 1. Family relationships through marriage or direct lineage
maupun vertikal. up to the second degree, both horizontally and vertically.
2. Hubungan dalam kepengurusan atau pengelolaan di 2. Positions in management or directorship within entities
dalam entitas Pemegang Saham Utama/Pengendali. of the Principal/Controlling Shareholders.
3. Kepemilikan saham oleh masing-masing anggota 3. Share ownership by each member of the Board of
Direksi dan Dewan Komisaris pada Pemegang Saham Directors and Board of Commissioners in the Principal
Utama dan/atau Pengendali Perseroan sebagai badan and/or Controlling Shareholder entities as legal entities.
hukum.
Informasi mengenai hubungan afiliasi anggota Dewan Information regarding the affiliation of the Board of
Komisaris dan Direksi di tahun 2025 adalah sebagai berikut: Commissioners and Board of Directors in 2025 is as follows:
Tabel Hubungan Afiliasi Dewan Komisaris dan Direksi Table of Affiliation of the Board of Commissioners and
Tahun 2025 Directors in 2025
Dewan Komisaris Pemegang Saham
Direksi / Board of
/ Board of Utama / Majority
Directors
No Nama / Name Jabatan / Position Commissioners Shareholders
Tidak / Tidak /
Ya / Yes Tidak / No Ya / Yes Ya / Yes
No No
Dewan Komisaris / Board of Commissioners
1 Hoiruddin Komisaris Utama - - -
Hasibuan Independen /
Independent
President
Commissioner
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2 Deden Riki Komisaris - - -
Hayatul Firman Independen /
Independent
Commissioner
3 Usman Asshiddiqi Komisaris / - - -
Qohara* Commissioner
4 Rina Dewiyanti** Komisaris / - - -
Commissioner
2025 Annual Report & Sustainability Report 257
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Kilas Kinerja
Performance Highlights
Dewan Komisaris Pemegang Saham
Direksi / Board of
/ Board of Utama / Majority
Directors
No Nama / Name Jabatan / Position Commissioners Shareholders
Tidak / Tidak /
Ya / Yes Tidak / No Ya / Yes Ya / Yes
No No
Direksi / Board of Directors
1 Muhammad Direktur Utama / - - -
Busthami President Director
2 Bambang Direktur Operasional - - -
Widyatmoko / Director of
Operations
3 Rodi Judo Direktur Bisnis / - - -
Dahono Director of Business
4 Eko Virgianto Direktur Kepatuhan - - -
/ Director of
Compliance
*) Bapak Usman A Qohara tidak menjabat sebagai Komisaris per tanggal *) Mr. Usman A Qohara no longer serves as Commissioner as of April 10,
10 April 2025. 2025.
**) Ibu Rina Dewiyanti diangkat menjadi Komisaris berdasarkan RUPST **) Ms. Rina Dewiyanti was appointed as Commissioner by the AGMS on
tanggal 10 April 2025 dan sudah efektif tanggal 5 Agustus 2025. April 10, 2025, with the appointment becoming effective on August 5, 2025.
KOMITE PENDUKUNG DEWAN KOMISARIS SUPPORTING COMMITTEES TO THE
BOARD OF COMMISSIONERS
KOMITE AUDIT AUDIT COMMITTEE
DASAR HUKUM KOMITE AUDIT LEGAL BASIS OF THE AUDIT COMMITTEE
Pembentukan Komite Audit berdasarkan ketentuan sebagai The establishment of the Audit Committee is based on the
berikut: following regulations:
a. POJK No. 33/ POJK.04/2014 tanggal 8 Desember 2014 a. OJK Regulation No. 33/POJK.04/2014 dated December
tentang Direksi dan Dewan Komisaris Emiten atau 8, 2014 concerning the Board of Directors and Board of
Perusahaan Publik. Commissioners of Issuers or Public Companies.
b. POJK No. 55/POJK.04/2015 tanggal 23 Desember b. OJK Regulation No. 55/POJK.04/2015 dated
2015 tentang Pembentukan dan Pedoman Pelaksanaan December 23, 2015 concerning the Establishment and
Kerja Komite Audit. Implementation Guidelines for the Audit Committee.
c. POJK No. 1/POJK.03/2019 tanggal 28 Januari 2019 c. OJK Regulation No. 1/POJK.03/2019 dated January
tentang Penerapan Fungsi Audit Intern pada Bank 28, 2019 concerning the Implementation of the Internal
Umum. Audit Function in Commercial Banks.
d. POJK No. 9 tahun 2023 tanggal 11 Juli 2023 tentang d. OJK Regulation No. 9 of 2023 dated July 11, 2023
Penggunaan Jasa Akuntan Publik dan Kantor Akuntan concerning the Use of Public Accountants and Public
Publik Dalam Kegiatan Jasa Keuangan. Accounting Firms in Financial Services Activities.
e. POJK No. 17 tahun 2023 tanggal 14 September 2023 e. OJK Regulation No. 17 of 2023 dated September 14,
tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
f. SEOJK No. 18/SEOJK.03/2023 tanggal 6 November f. OJK Circular Letter No. 18/SEOJK.03/2023 dated
2023 tentang Tata Cara Penggunaan Jasa Akuntan November 6, 2023 concerning Procedures for the Use
Publik dan Kantor Akuntan Publik Dalam Kegiatan Jasa of Public Accountants and Public Accounting Firms in
Keuangan. Financial Services Activities.
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PEDOMAN KOMITE AUDIT AUDIT COMMITTEE GUIDELINES
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Perseroan telah menetapkan pedoman kerja Komite Audit The Company has established Audit Committee guidelines
berdasarkan ketentuan yang berlaku. Pedoman tersebut in accordance with applicable regulations. These guidelines
digunakan sebagai acuan dalam melaksanakan tugas dan are used as a reference in carrying out its duties and
tanggung jawabnya. Di dalam pedoman kerja Komite Audit responsibilities. The Audit Committee’s guidelines include
memuat hal-hal sebagai berikut: the following:
• Tugas, Tanggung Jawab dan Wewenang; • Duties, Responsibilities, and Authority;
• Tujuan Pembentukan Komite Audit; • Objectives of the Establishment of the Audit Committee;
• Komposisi dan Struktur Keanggotaan; • Composition and Structure of Membership;
• Persyaratan Keanggotaan; • Membership Requirements;
• Masa Tugas Anggota Komite, termasuk Pihak • Term of Office of Committee Members, including
Independen; Independent Parties;
• Pengangkatan dan Pemberhentian Anggota Komite • Appointment and Dismissal of Audit Committee
Audit Members;
• Mekanisme & Waktu Kerja; • Mechanisms and Working Hours;
• Kode Etik Komite Audit; • Audit Committee Code of Conduct;
• Penyelenggara Rapat Komite, Kourum dan Pengambilan • Committee Meeting Administration, Quorum, and
Keputusan; Decision-Making;
• Pelaporan Kegiatan Komite Audit; • Reporting of Audit Committee Activities;
• Penangan Pengaduan atau Pelaporan Sehubungan • Handling of Complaints or Reports Relating to Alleged
Dugaan Pelanggaraan Terkait Pelaporan Keuangan Violations in Connection with Financial Reporting;
• Mekanisme Evaluasi Kinerja Komite Audit; • Mechanism for Evaluating the Performance of the Audit
Committee;
• Periode Review Pedoman dan Tata Tertib Kerja Komite • Periodic Review Period for the Committee's Guidelines
Secara Berkala. and Rules of Procedure.
TUGAS DAN TANGGUNG JAWAB KOMITE AUDIT DUTIES AND RESPONSIBILITIES OF THE AUDIT
COMMITTEE
Komite Audit memiliki tugas dan tanggung jawab sebagai The Audit Committee has the following duties and
berikut: responsibilities:
1. Memantau dan mengkaji efektivitas pelaksanaan audit 1. Monitor and review the effectiveness of the Bank’s
internal Bank. internal audit implementation.
2. Mengevaluasi kinerja Divisi Audit Internal. 2. Evaluate the performance of the Internal Audit Division.
3. Memastikan Divisi Audit Internal melakukan komunikasi 3. Ensure the Internal Audit Division communicates
dengan Direksi, Dewan Komisaris, Auditor Eksternal with the Board of Directors, Board of Commissioners,
dan Otoritas Jasa Keuangan. External Auditor, and Financial Services Authority.
4. Memastikan Divisi Audit Internal bekerja secara 4. Ensure the Internal Audit Division operates
independen. independently.
5. Memberikan rekomendasi kepada Dewan Komisaris 5. Provide recommendations to the Board of
terkait penyusunan rencana audit, ruang lingkup dan Commissioners regarding the preparation of the audit
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
anggaran Divisi Audit Internal. plan, scope, and budget of the Internal Audit Division.
6. Meninjau laporan audit dan memastikan Direksi 6. Review audit reports and ensure that the Board of
mengambil tindakan perbaikan yang diperlukan secara Directors promptly takes corrective actions to address
cepat untuk mengatasi kelemahan pengendalian control weaknesses, fraud, compliance issues, legal
fraud, masalah kepatuhan terhadap kebijakan, or regulatory matters, or other problems identified and
undang-undang dan peraturan atau masalah lain yang reported by the Internal Audit Division.
diidentifikasi dan dilaporkan oleh Divisi Audit Internal.
2025 Annual Report & Sustainability Report 259
Page 262
7. Memberikan rekomendasi kepada Dewan Komisaris 7. Provide recommendations to the Board of Commissioners
terkait pemberian remunerasi tahunan Divisi Audit regarding the overall annual remuneration and
Internal secara keseluruhan serta penghargaan kinerja. performance awards of the Internal Audit Division.
8. Memastikan Divisi Audit Internal menjunjung tinggi 8. Ensure the Internal Audit Division upholds integrity in
integritas dalam pelaksanaan tugas. performing its duties.
9. Memberikan rekomendasi atas Piagam Audit Internal 9. Provide recommendations on the Internal Audit Charter
untuk mendapatkan persetujuan Dewan Komisaris. for approval by the Board of Commissioners.
PENGANGKATAN DAN PEMBERHENTIAN APPOINTMENT AND DISMISSAL
Komite Audit diangkat dan diberhentikan oleh Dewan The Audit Committee is appointed and dismissed by the
Komisaris. Dalam melaksanakan fungsinya, Komite Audit Board of Commissioners. In performing its functions,
bertanggung jawab langsung kepada Dewan Komisaris. the Audit Committee reports directly to the Board of
Commissioners.
KOMPOSISI KOMITE AUDIT COMPOSITION OF THE AUDIT COMMITTEE
Di sepanjang tahun 2025, terdapat perubahan komposisi Throughout 2025, there were changes in the composition
Komite Audit Perseroan. Komposisi Komite Audit Perseroan of the Company’s Audit Committee. The composition of the
di tahun 2025 adalah sebagai berikut: Audit Committee in 2025 is as follows:
Tabel Komposisi Komite Audit Tahun 2025 Table of Audit Committee Composition for 2025
Berdasarkan SK Dewan Komisaris No. 006/SK/KOM-BB/ Based on the Board of Commissioners Decree No. 006/
XII/2024 tanggal 4 Desember 2024, susunan keanggotaan SK/KOM-BB/XII/2024 dated December 4, 2024, the
Komite Audit: membership of the Audit Committee is as follows:
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Period
1. Deden Riki Ketua Komite Audit / Head of Komisaris Independen / Independent Commissioner Pertama /
Hayatul Firman the Audit Committee First
2. Hoiruddin Anggota Komite Audit / Audit Komisaris Utama Independen / Independent President Pertama /
Hasibuan Committee Member Commissioner First
3. Douval Anggota Komite Audit / Audit Pihak Independen yang memiliki keahlian di bidang audit Pertama /
Committee Member dan akuntansi / An independent party with expertise in First
audit and accounting
4. Moh Panji Anggota Komite Audit / Audit Pihak Independen yang memiliki keahlian di bidang Pertama /
Prasetya* Committee Member Keuangan dan perbankan / An independent party with First
expertise in audit and accounting
*) Bapak Moh Panji Prasetya diberhentikan menjadi Anggota Pihak *) Mr. Moh Panji Prasetya was dismissed from his position as Independent
Independen tanggal 1 Agustus 2025. Member effective August 1, 2025.
Berdasarkan SK Dewan Komisaris No. 284/SK/DIR-BB/ Based on the Board of Commissioners Decree No. 284/
IX/2025 tanggal 10 September 2025, susunan keanggotaan SK/DIR-BB/IX/2025 dated September 10, 2025, the
Komite Audit: composition of the Audit Committee is as follows:
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Period
1. Deden Riki Ketua Komite Audit / Head Komisaris Independen / Independent Commissioner Pertama /
Hayatul Firman of the Audit Committee First
2. Hoiruddin Anggota Komite Audit / Komisaris Utama Independen / Independent President Pertama /
Hasibuan Audit Committee Member Commissioner First
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Periode /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
No Nama / Name Jabatan / Position Profesi / Profession
Period
3. Aditya Rachman* Anggota Komite Audit / Pihak Independen yang memiliki keahlian di bidang audit Pertama /
Audit Committee Member dan akuntansi / An independent party with expertise in audit First
and accounting
4. Douval Anggota Komite Audit / Pihak Independen yang memiliki keahlian di bidang Pertama /
Audit Committee Member Keuangan dan perbankan / An independent party with First
expertise in finance and banking
*) Bapak Aditya Rachman diberhentikan menjadi Anggota *) Mr. Aditya Rachman was dismissed from his position as
Pihak Independen tanggal 17 Oktober 2025. Independent Member effective October 17, 2025.
Berdasarkan SK Dewan Komisaris No. 386/SK/DIR-BB/ Based on the Board of Commissioners Decree No. 386/SK/
XII/2025 tanggal 8 Desember 2025, susunan keanggotaan DIR-BB/XII/2025 dated December 8, 2025, the composition
Komite Audit: of the Audit Committee is as follows:
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Period
1. Deden Riki Ketua Komite Audit / Head of Komisaris Independen / Independent Commissioner Pertama /
Hayatul Firman the Audit Committee First
2. Hoiruddin Anggota Komite Audit / Audit Komisaris Utama Independen / Independent President Pertama /
Hasibuan Committee Member Commissioner First
3. Hendra Anggota Komite Audit / Audit Pihak Independen yang memiliki keahlian di bidang audit Pertama /
Suparyadi Committee Member dan akuntansi / An independent party with expertise in First
audit and accounting
4. Douval Anggota Komite Audit / Audit Pihak Independen yang memiliki keahlian di bidang Pertama /
Committee Member Keuangan dan perbankan / An independent party with First
expertise in finance and banking
Komposisi Komite Audit Bank Banten per 31 Desember As of December 31, 2025, the composition of Bank Banten's
2025 terdiri atas 4 (empat) orang yang diketuai oleh 1 Audit Committee consists of 4 (four) members, chaired by 1
(satu) orang Komisaris Independen, 1 (satu) orang anggota (one) Independent Commissioner, with 1 (one) Independent
Komisaris Utama Independen dan dibantu oleh 2 (dua) President Commissioner as a member, and supported by
orang anggota komite yang berasal dari pihak independen 2 (two) independent committee members with expertise
yang memiliki keahlian di bidang audit, akuntansi, in audit, accounting, finance, and banking. All members
keuangan dan perbankan. Seluruh anggota Komite Audit of the Audit Committee meet the criteria of independence,
telah memenuhi kriteria independensi, keahlian, integritas expertise, integrity, and good moral character.
dan moral yang baik.
PROFIL KOMITE AUDIT AUDIT COMMITTEE PROFILE
Ketua Komite Audit Head of the Audit Committee
DEDEN RIKI HAYATUL FIRMAN
Ketua Komite Audit / Head of the Audit Committee
Dasar Pengangkatan / SK Dewan Komisaris No. 386/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Decree of the Board of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Basis of Appointment Commissioners No. 386/SK/DIR-BB/XII/2025 dated December 8, 2025
Rangkap Jabatan / Komisaris Independen / Independent Commissioner
Concurrent Position
2025 Annual Report & Sustainability Report 261
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Profil bapak Deden Riki Hayatul Firman menjabat The profile of Mr. Deden Riki Hayatul Firman, who serves
sebagai Ketua Komite Audit sekaligus menjadi Komisaris as Head of the Audit Committee as well as Independent
Independen telah disajikan dalam Bab Profil Perusahaan di Commissioner, is presented in the Company Profile chap-
bagian Profil Dewan Komisaris. ter under the Board of Commissioners Profile section.
Anggota Komite Audit Audit Committee Member
HOIRUDDIN HASIBUAN
Anggota Komite Audit / Audit Committee Member
Dasar Pengangkatan / SK Dewan Komisaris No. 386/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Decree of the Board of
Basis of Appointment Commissioners No. 386/SK/DIR-BB/XII/2025 dated December 8, 2025
Rangkap Jabatan / Komisaris Utama Independen / Independent President Commissioner
Concurrent Position
Profil bapak Hoiruddin Hasibuan menjabat sebagai The profile of Mr. Hoiruddin Hasibuan, who serves as Head
Ketua Komite Audit sekaligus menjadi Komisaris Utama of the Audit Committee as well as Independent President
Independen telah disajikan dalam Bab Profil Perusahaan di Commissioner, is presented in the Company Profile chapter
bagian Profil Dewan Komisaris. under the Board of Commissioners Profile section.
HENDRA SUPARYADI
Anggota Komite Audit / Audit Committee Member
Dasar Pengangkatan / SK Dewan Komisaris No. 386/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Decree of the Board of
Basis of Appointment Commissioners No. 386/SK/DIR-BB/XII/2025 dated December 8, 2025
Kewarganegaraan / Indonesia / Indonesian
Citizenship
Riwayat Pendidikan / • Magister Manajemen, Universitas Mercu Buana - Jakarta (2023 - 2025) / Master of Management,
Education Universitas Mercu Buana – Jakarta ( 2023 – 2025)
• Sarjana Akuntansi, Ekonomi, Universitas Borobudur - Jakarta (1996 - 1999) / Bachelor of Accounting,
Economics, Universitas Borobudur — Jakarta (1996 – 1999)
Riwayat Pekerjaan / Work • Audit Inspection & HO Function Unit Head (Assistant Vice President), PT. Bank Shinhan Indonesia (
Experience Maret 2018 - Agustus 2025) / Audit Inspection & HO Function Unit Head (Assistant Vice President),
PT Bank Shinhan Indonesia (March 2018 – August 2025)
• Internal Audit Unit Head (Senior Assistant Manager), PT. Bank Mayora (Februari 2012 - Februari
2018) / Internal Audit Unit Head (Senior Assistant Manager), PT Bank Mayora (February 2012 –
February 2018)
• Internal Audit Supervisor (Assistant Manager), PT. Buana Finance, Tbk (April 2011 - Juli 2012) /
Internal Audit Supervisor (Assistant Manager), PT Buana Finance, Tbk (April 2011 – July 2012)
• Internal Audit Supervisor (Assistant Manager), PT. Bank Harda International (Februari 2010
- Desember 2011) / Internal Audit Supervisor (Assistant Manager), PT Bank Harda International
(February 2010 – December 2011)
• Retail & SME Internal Auditor Senior Officer, PT. Bank Rabobank International Indonesia (Maret
2007 - Juni 2010) / Retail & SME Internal Auditor Senior Officer, PT Bank Rabobank International
Indonesia (March 2007 – June 2010)
• Internal Audit Officer, PT. Bank Haga Indonesia (Januari 2002 - Juni 2007) / Internal Audit Officer, PT
Bank Haga Indonesia (January 2002 – June 2007)
Sertifikasi / Certification • Sertifikat Risk Management Professional (CRMP), Lembaga Sertifikasi Manajemen Risiko (LSPMR),
(2025) / Certificate in Risk Management Professional (CRMP), Risk Manage-ment Professional
Certification Institute (LSPMR) (2025)
• Sertifikat Manajemen Risiko Jenjang 5, Badan Nasional Sertifikasi Profesi (BNSP) (2025) / Risk
Management Certificate Level 5, National Professional Certification Agency (BNSP) (2025)
• Sertifikat Praktisi Audit Internal (CPIA), Yayasan Pendidikan Internal Audit (2024) / Certified
Practitioner of Internal Audit (CPIA), Internal Audit Education Foundation (2024)
• Sertifikat Workshop Pemahaman Bukti Audit dan Bukti Hukum, Asosiasi Auditor Forensik Indonesia
(AAFI) (2022) / Certificate of Workshop on Understanding Audit Evidence and Legal Evidence,
Indonesian Forensic Auditors Association (AAFI) (2022)
• Sertifikat Auditor Forensik (CFrA), Badan Nasional Sertifikasi Profesi (BNSP) (2021) / Certi-fied
Forensic Auditor (CFrA), National Professional Certification Agency (BNSP) (2021)
• Sertifikat Audit Forensik, Lembaga Pengembangan Fraud Auditing (LPFA) (2021) Forensic Audit
Certificate, Fraud Auditing Development Institute (LPFA) (2021)
• Sertifikat Fraud Auditing 2, Lembaga Pengembangan Fraud Auditing (LPFA) (2021) / Fraud Auditing
2 Certificate, Fraud Auditing Development Institute (LPFA) (2021)
• Sertifikat Fraud Auditing 1, Lembaga Pengembangan Fraud Auditing (LPFA) (2021) / Fraud Auditing
1 Certificate, Fraud Auditing Development Institute (LPFA) (2021)
262 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
DOUVAL
Anggota Komite Audit / Audit Committee Member
Dasar Pengangkatan / SK Direksi No. 386/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Board of Directors Decree No.
Basis of Appointment 386/SK/DIR-BB/XII/2025 dated December 8, 2025
Kewarganegaraan / Indonesia / Indonesian
Citizenship
Riwayat Pendidikan / • Doctor of Business Administration dari Pole Paris Alternance (2024) / Doctor of Business
Education Administration from Pole Paris Alternance (2024)
• Master of Economics dari The University of Western Australia (2018) / Master of Economics from The
University of Western Australia (2018)
• Magister Manajemen dari Universitas Negeri Padang (2015) / Master of Management from Universitas
Negeri Padang (2015)
• Sarjana Ekonomi Jurusan Akuntansi dari Universitas Andalas Padang (2002) / Bachelor of
Economics, majoring in Accounting, from Universitas Andalas Padang (2002)
Riwayat Pekerjaan / Work PT. Bank Pembangunan Daerah Banten (Perseroda) Tbk
Experience
PT. Bank Pembangunan Daerah Sumatera Barat (Bank Nagari)
• Pemimpin Grup Riset dan Pengembangan Bisnis Divisi Perencanaan Strategis, (2020) / Group
Leader of Research and Business Development, Strategic Planning Division (2020)
• Pemimpin Bagian Financial Institution & Settlement (2020) / Head of Financial Institution & Settlement
Section (2020)
• Dealer Madya Divisi Dana dan Treasury tahun (2018-2020) / Intermediate Dealer, Funding and
Treasury Division (2018–2020)
• Analis Madya tahun (2015-2016) / Intermediate Analyst (2015–2016)
• Analis Junior tahun (2006-2015) / Junior Analyst (2006–2015)
PT. Bank Mandiri (Persero), Tbk Kantor Cabang Bukittinggi
• Frontliners (2003-2005)
Sertifikasi / Certification • Chartered Accountant
• Register Negara Akuntan / National Register of Accountants
• Certified Investment Banker
• Certified Risk Professional
• Certified Practising Accountant Australia (CPA Australia)
• ASEAN Chartered Professional Accountant
• Sertifikasi Manajemen Risiko Perbankan Kualifikasi Jenjang 7 / Banking Risk Management
Certification, Level 7 Qualification
INDEPENDENSI KOMITE AUDIT INDEPENDENCE OF THE AUDIT COMMITTEE
Sesuai dengan POJK No. 55/POJK.04/2015, tanggal 23 In accordance with OJK Regulation No. 55/POJK.04/2015
Desember 2015, tentang Pembentukan dan Pedoman dated December 23, 2015, concerning the Establishment
Pelaksanaan Kerja Komite Audit, anggota Komite Audit and Implementation Guidelines for the Audit Committee, all
Perseroan telah memenuhi persyaratan independensi dan members of the Company's Audit Committee have fulfilled
tidak terafiliasi dengan anggota Dewan Komisaris, Direksi, the independence requirements and are not affiliated with
atau pemegang saham utama. Seluruh anggota Komite members of the Board of Commissioners, the Board of
Audit telah memenuhi kriteria independensi, dan memiliki Directors, or the principal shareholders. All members of the
keahlian, integritas dan moral yang baik. Audit Committee meet the criteria of independence, and
possess the necessary expertise, integrity, and good moral
character.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
RAPAT KOMITE AUDIT AUDIT COMMITTEE MEETINGS
Di sepanjang tahun 2025, Komite Audit telah melaksanakan Throughout 2025, the Audit Committee held a total of 13
rapat sebanyak 13 (tiga belas) kali dengan rincian sebagai (thirteen) meetings, with the following details:
berikut:
2025 Annual Report & Sustainability Report 263
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Jumlah / Total Kehadiran
No Nama / Name Jabatan / Position (%) / Attendance
Rapat / Meeting Hadir / Attendance (%)
1 Deden Riki Komisaris Independen 13 13 100%
Hayatul Firman (Ketua Komite) / Independent
Commissioner (Head of the
Committee)
2 Hoiruddin Komisaris Utama Independen 13 11 84%
Hasibuan (Anggota) / Independent
President Commissioner
3 Moh Panji Pihak Independen (Anggota) / 13 8 61%
Prasetya *) Independent Party (Member)
4 Aditya Rachman Pihak Independen (Anggota) / 13 2 15%
**) Independent Party (Member)
5 Hendra Pihak Independen (Anggota) / 13 1 7%
Suparyadi ***) Independent Party (Member)
6 Douval Pihak Independen (Anggota) / 13 13 100%
Independent Party (Member)
*) Bapak Moh Panji Prasetya diberhentikan menjadi Anggota Pihak *) Mr. Moh Panji Prasetya was dismissed from his position as Independent
Independen tanggal 1 Agustus 2025. Member effective August 1, 2025.
**) Bapak Aditya Rachman diangkat menjadi Anggota Pihak Independen **) Mr. Aditya Rachman was appointed as Independent Member on
tanggal 4 September 2025 dan diberhentikan tanggal 17 Oktober 2025. September 4, 2025, and dismissed on October 17, 2025.
***) Bapak Hendra Suparyadi diangkat menjadi Anggota Pihak Independen ***) Mr. Hendra Suparyadi was appointed as Independent Member effective
tanggal 1 Desember 2025. December 1, 2025.
Tabel Agenda Rapat Komite Audit Tahun 2025 2025 Audit Committee Meeting Agenda Table
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 22 Januari 2025 / Draft Laporan Pokok-Pokok Hasil Audit Periode Semester II Tahun 2024 / Draft Report on Key Internal
January 22, 2025 Audit Findings for Semester II of 2024
2 12 Februari 2025 / Laporan-laporan Pemeriksaan Audit Internal / Internal Audit Examination Reports
February 12, 2025
3 26 Maret 2025 / Tindak Lanjut atas Laporan-Laporan Pemeriksaan Audit Internal / Follow-up on Internal Audit
March 26, 2025 Examination Reports
4 23 April 2025 / April 1. Progres Tindak Lanjut Penyelesaian Temuan Audit Eksternal & Internal Posisi 31-03-2025 / Progress
23, 2025 on the Follow-up and Resolution of External & Internal Audit Findings as of March 31, 2025
2. Progres Penyelesaian Kasus Fraud di Bank Banten Posisi 31 Maret 2025 / Progress on the Resolution
of Fraud Cases at Bank Banten as of March 31, 2025
3. Pemaparan Realisasi Hasil Audit Triwulan I Tahun 2025 / Presentation of Audit Realization Results
for Quarter I of 2025
4. Draft Laporan Keuangan Publikasi Triwulan I Tahun 2025 / Draft of the Quarter I 2025 Published
Financial Statements
5 23 Mei 2025 / May Laporan Divisi Audit Internal / Internal Audit Division Reports
23, 2025
6 20 Juni 2025 / June Finalisasi Laporan Evaluasi KAP / Finalization of the KAP Evaluation Report
20, 2025
7 23 Juli 2025 / July 23, 1. Laporan Keuangan Publikasi Triwulan II Posisi Juni 2025 / Quarter II Published Financial Statements
2025 as of June 2025
2. Progres Implantasi ICOFR – Internal Control Over Financial Reporting Semester I 2025 / Progress
on the Implementation of ICOFR — Internal Control Over Financial Reporting for Semester I 2025
3. Pemaparan Hasil Audit s.d Semester I Tahun 2025 / Presentation of Audit Results up to Semester I
of 2025
4. Pemaparan Draft Laporan Pokok-Pokok Audit Internal / Presentation of the Draft Report on Key
Internal Audit Findings.
8 27 Agustus 2025 / Update Issue Temuan Hasil Audit Bulan Juli dan Agustus Tahun 2025 / Update on Audit Finding Issues
August 27, 2025 for July and August 2025
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No Tanggal / Date Agenda Rapat / Meeting Agenda
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
9 30 September 2025 / 1. Update Temuan Hasil Pelaksanaan Audit Bulan Agustus Tahun 2025 / Update on Audit Finding
September 30, 2025 Results for August 2025
2. Progres Tindaklanjut Hasil Temuan Audit Eksternal dan Internal Posisi Agustus Tahun 2025 /
Progress on the Follow-up of External and Internal Audit Finding Results as of August 2025
3. Update Progres Pelaksanaan Internal Control Over Financial Reporting oleh Pejabat Eksekutif atau
UKK yang telah ditunjuk. / Update on the Progress of the Implementation of Internal Control Over
Financial Reporting by the designated Executive Officer or Dedicated Work Unit (UKK)
10 7 Oktober 2025 / Pemilihan Kantor Akuntan Publik Tahun Buku 2025 / Selection of Public Accounting Firm for Fiscal Year
October 7, 2025 2025 /
11 22 Oktober 2025 / 1. Progress Tindak Lanjut Hasil Audit sampai September / Progress on the Follow-up of Audit Results
October 22, 2025 up to September
2. Summary Hasil Audit Bulan September dan / ummary of Audit Results for September, and
3. Laporan Keuangan Publikasi Triwulan III Tahun 2025 / Quarter III 2025 Published Financial Statements
12 19 November 2025 / 1. Kick off meeting awal audit Laporan Keuangan tahun buku 2025 oleh KAP / Kick-off meeting for the
November 19, 2025 initial audit of the Fiscal Year 2025 Financial Statements by the KAP
2. Progress Tindak Lanjut Temuan Audit dan Issue signifikan dalam Penugasan Oktober / Progress on
the Follow-up of Audit Findings and Significant Issues in October Assignments
13 19 Desember 2025 / Audit Plan Tahun 2026 / Audit Plan for 2026
December 19, 2025
PELAKSANAAN TUGAS KOMITE AUDIT 2025 IMPLEMENTATION OF AUDIT COMMITTEE DUTIES IN
2025
Di tahun 2025, Komite Audit telah melaksanakan tugas dan In 2025, the Audit Committee carried out the following
tanggung jawab sebagai berikut: duties and responsibilities:
1. Memantau dan mengevaluasi kebijakan, perencanaan 1. Monitored and evaluated internal audit policies,
dan pelaksanaan audit internal selama tahun 2025 serta planning, and implementation throughout 2025, as well
pemantauan atas tindak lanjut hasil audit dalam rangka as follow-up on audit results to assess the adequacy of
menilai kecukupan pengendalian intern, termasuk internal controls, including the adequacy of the financial
kecukupan proses pelaporan keuangan. reporting process.
2. Memantau dan mengevaluasi terhadap pelaksanaan 2. Monitored and evaluated the follow-up actions by the
tindak lanjut oleh Direksi atas hasil temuan Divisi Audit Board of Directors on findings from the Internal Audit
Internal, akuntan publik, dan hasil pengawasan dari Division, public accountants, and supervision by the
Otoritas Jasa Keuangan. Financial Services Authority.
3. Melakukan penelaahan atas informasi keuangan yang 3. Reviewed financial information to be released by the
akan dikeluarkan Emiten atau Perusahaan Publik Issuer or Public Company to the public and/or authorities.
kepada publik dan/atau pihak otoritas.
4. Memberikan rekomendasi kepada Dewan Komisaris 4. Provided recommendations to the Board of
penggunaan jasa dari Kantor Akuntan Publik (KAP) yaitu Commissioners regarding the engagement of a Public
KAP Kanaka Puradiredja, Suhartono untuk melakukan Accounting Firm (KAP), specifically KAP Kanaka
jasa audit keuangan PT Bank Pembangunan Daerah Puradiredja, Suhartono, for financial audit services
(Perseroda) Tbk posisi 31 Desember 2025 (antara of PT Bank Pembangunan Daerah (Perseroda) Tbk
lain meliputi independensi, ruang lingkup penugasan, as of December 31, 2025 (including aspects such as
imbalan jasa, keahlian dan pengalaman KAP dan Tim independence, scope of engagement, fees, expertise
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Audit dari KAP, dan Metodologi, teknik, dan sarana and experience of the KAP and Audit Team, and the
audit yang digunakan KAP). audit methodology, techniques, and tools used by the
KAP).
5. Membuat Laporan Hasil Evaluasi terhadap pelaksanaan 5. Prepared an Evaluation Report on the implementation of
pemberian jasa audit atas informasi keuangan historis audit services for annual historical financial information
tahunan yang berakhir tanggal 31 Desember 2024 ending on December 31, 2024, for submission to the
kepada Otoritas Jasa Keuangan. Financial Services Authority.
2025 Annual Report & Sustainability Report 265
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6. Melakukan review atas perubahan Piagam Audit, 6. Reviewed changes to the Audit Charter, the Internal
Rencana Kerja Tahunan Divisi Audit Internal dan Audit Division’s Annual Work Plan, and the Summary
Laporan Pokok-pokok Hasil Audit sebelum disampaikan Audit Results Report prior to submission to OJK.
ke OJK.
7. Memberikan masukan kepada Dewan Komisaris untuk 7. Provided input to the Board of Commissioners for the
bahan Laporan Pengawasan Dewan Komisaris kepada Supervisory Report to OJK and PSPT.
OJK dan PSPT.
PENGEMBANGAN KOMPETENSI KOMITE AUDIT AUDIT COMMITTEE COMPETENCY DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan On a regular basis, Bank Banten provides opportunities
kepada seluruh insan Perusahaan untuk ikut serta dan for all personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. Ya/ programs. The Audit Committee participated in the following
tidak terdapat keikutsertaan Komite Audit dalam program competency programs in 2025:
kompetensi di tahun 2025 di antaranya:
Tabel Pengembangan Kompetensi Komite Audit Tahun Table of the Audit Committee Competency
2025 Development in 2025
Jabatan / Program Kompetensi / Competency Development Pelaksanaan /
Nama / Name
Position Program Implementation
Deden Riki Komisaris • Seminar Membangun Ketahanan Siber Di Era Digital • 21 s.d 22 Mei 2025 / May
Hayatul Firman Independen Banking / Seminar on Building Cyber Resilience in the 21-22, 2025
(Ketua Komite) Digital Banking Era • 6 Mei 2025 / May 6, 2025
/ Independent • Refreshment Sertifikasi Manajemen Risiko Jenjang
Commissioner Kualifikasi Vi Dewan Komisaris / Risk Management
(Head of the Certification Refreshment Qualification Level VI for the
Committee) Board of Commissioners
Hoiruddin Komisaris Utama • Seminar & Rakernas FKDK BPDSI / Seminar & National • 16 s.d 17 Januari 2025 /
Hasibuan Independen Working Meeting of the BPDSI Forum for the Development January 16-17, 2025
(Anggota) / of Regional Development • 6 Mei 2025 / May 6, 2025
Independent • Seminar & Rakernas FKDK BPDSI / Seminar & National • 9 Juli s.d 10 Juli 2025 /
President Working Meeting of the BPDSI Forum for the Development July 9-10, 2025
Commissioner of Regional Development • 20 s.d 21 Agustus 2025 /
(Member) • Seminar FKDK BPDSI Wilayah Tengah : Roadmap August 20-21, 2025
Penguatan BPD / Seminar on the BPDSI Forum for the • 16 s.d 18 November 2025 /
Development of Regional Development (FKDK BPDSI) November 16-18, 2025
Central Region: Roadmap for Strengthening Regional
Development
• Seminar Roadmap Penguatan BPD 2024 – 2027 / Seminar
on the Roadmap for Strengthening Regional Development
2024-2027
• Seminar Nasional Fkdkp Bpdsi Wilayah Barat : Protokol
Pencegahan, Penanganan Dan Pemulihan Pasca Serangan
Siber Terhadap Bank Umum / National Seminar on the
BPDSI Forum for the Development of Regional Development
(FKDKP BPDSI) West Region: Protocol for Prevention,
Handling, and Recovery After Cyberattacks on Commercial
Banks
Moh Panji Pihak • Seminar Membangun Ketahanan Siber Di Era Digital • 21 s.d 22 Mei 2025 / May
Prasetya *) Independen Banking / Seminar on Building Cyber Resilience in the 21-22, 2025
(Anggota) / Digital Banking Era • 09 s.d 10 Juli 2025 / July
Independent • Seminar FKDK BPDSI Wilayah Tengah : Roadmap 9-10, 2025
Party (Member) Penguatan Bpd / Central Region BPDSI FKDK Seminar:
Roadmap for Strengthening BPDs
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Jabatan / Program Kompetensi / Competency Development Pelaksanaan /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Nama / Name
Position Program Implementation
Aditya Rachman Pihak - -
**) Independen
(Anggota) /
Independent
Party (Member)
Hendra Pihak - -
Suparyadi ***) Independen
(Anggota) /
Independent
Party (Member)
Douval Pihak • Seminar Membangun Ketahanan Siber Di Era Digital • 21 s.d 22 Mei 2025 / May
Independen Banking / Seminar on Building Cyber Resilience in the 21-22, 2025
(Anggota) / Digital Banking Era • 9 s.d 10 Juli 2025 / July
Independent • Seminar Fkdk Bpdsi Wilayah Tengah : Roadmap 9-10, 205
Party (Member) Penguatan Bpd / Seminar on the Central Region of the • 20 s.d 21 Agustus 2025 /
Indonesian Regional Development Bank (BPDSI) Forum: August 20-21, 2025
Roadmap for Strengthening BPDs
• Seminar Roadmap Penguatan Bpd 2024-2027 / Seminar on
the Roadmap for Strengthening BPDs 2024-2027
KOMITE NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION
COMMITTEE
Komite Nominasi dan Remunerasi dibentuk oleh dan The Nomination and Remuneration Committee is established
bertanggung jawab kepada Dewan Komisaris dalam by and responsible to the Board of Commissioners to assist
rangka membantu melaksanakan fungsi dan tugas Dewan in carrying out the Board’s functions and duties related to
Komisaris terkait Remunerasi dan Nominasi. Pembentukan Remuneration and Nomination. The establishment of the
Komite Nominasi dan Remunerasi telah ditetapkan dengan Nomination and Remuneration Committee was stipulated
surat keputusan Dewan Komisaris PT Bank Pembangunan by the Board of Commissioners Decree of PT Bank
Daerah Banten (Perseroda) Tbk No. 016/SK/KOM-BB/ Pembangunan Daerah Banten (Perseroda) Tbk No. 016/
XII/2024 tanggal 04 Desember 2024. SK/KOM-BB/XII/2024 dated December 4, 2024.
DASAR HUKUM KOMITE NOMINASI DAN LEGAL BASIS OF THE NOMINATION AND
REMUNERASI REMUNERATION COMMITTEE
Pembentukan Komite Nominasi dan Remunerasi The establishment of the Nomination and Remuneration
berdasarkan ketentuan sebagai berikut: Committee is based on the following regulations:
1. POJK No.33/POJK.04/2014 tanggal 8 Desember 2014 1. OJK Regulation No. 33/POJK.04/2014 dated December
tentang Direksi dan Dewan Komisaris Emiten atau 8, 2014 concerning the Board of Directors and Board of
Perusahaan Publik. Commissioners of Issuers or Public Companies.
2. POJK No.34/POJK.04/2014 tanggal 23 Desember 2015 2. OJK Regulation No. 34/POJK.04/2014 dated December
tentang Komite Nominasi dan Remunerasi Emiten atau 23, 2015 concerning the Nomination and Remuneration
Perusahaan Publik. Committee of Issuers or Public Companies.
3. POJK No. 17 Tahun 2023 tentang Penerapan Tata 3. OJK Regulation No. 17 of 2023 concerning the
Kelola bagi Bank Umum. Implementation of Good Corporate Governance for
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Commercial Banks.
2025 Annual Report & Sustainability Report 267
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PEDOMAN KOMITE NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE
GUIDELINES
Komite Nominasi dan Remunerasi Perseroan telah The Company's Nomination and Remuneration Committee
memiliki Piagam yang telah disetujui oleh Dewan Komisaris has a Charter approved by the Board of Commissioners
berdasarkan Surat Keputusan Dewan Komisaris, Nomor based on the Board of Commissioners Decree No. 015/
015/SK-KOM/BB/X/2017 tanggal 16 Oktober 2017 perihal SK-KOM/BB/X/2017 dated October 16, 2017 regarding
Pedoman dan Tata Tertib Kerja Komite Nominasi dan the Guidelines and Rules of Procedure for the Nomination
Remunerasi. Di dalam pedoman kerja Komite Nominasi and Remuneration Committee. The committee’s guidelines
dan Remunerasi memuat hal-hal sebagai berikut: include:
• Pengertian, komposisi dan struktur keanggotaan. • Definition, composition, and membership structure
• Tugas, tanggung jawab dan wewenang. • Duties, responsibilities, and authorities
• Penyelenggaraan rapat. • Meeting arrangements
• Mekanisme dan waktu kerja. • Mechanisms and working time
• Masa jabatan. • Term of office
• Pelaporan kegiatan. • Activity reporting
TUGAS DAN TANGGUNG JAWAB KOMITE NOMINASI DUTIES AND RESPONSIBILITIES OF THE
DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE
Komite Nominasi dan Remunerasi memiliki tugas dan The Nomination and Remuneration Committee has the
tanggung jawab sebagai berikut: following duties and responsibilities:
Fungsi Nominasi Nomination Function
a) Memberikan rekomendasi kepada Dewan Komisaris a) Provide recommendations to the Board of
mengenai: Commissioners regarding:
i) komposisi jabatan anggota Direksi dan/atau anggota i) Composition of positions of members of the Board of
Dewan Komisaris; Directors and/or Board of Commissioners
ii) kebijakan dan kriteria yang dibutuhkan dalam proses ii) Policies and criteria required in the Nomination
Nominasi; dan process
iii) kebijakan evaluasi kinerja bagi anggota Direksi dan/ iii) Performance evaluation policies for members of the
atau anggota Dewan Komisaris Board of Directors and/or Board of Commissioners
iv) program pengembangan kemampuan anggota iv) Development programs for members of the Board of
Direksi dan/atau anggota Dewan Komisaris Directors and/or Board of Commissioners
b) Menyusun mekanisme dan melakukan penilaian kinerja b) Develop mechanisms and conduct performance
anggota Direksi dan/atau anggota Dewan Komisaris assessments of members of the Board of Directors and/
berdasarkan tolok ukur yang telah disusun sebagai or Board of Commissioners based on predetermined
bahan evaluasi; benchmarks as an evaluation basis;
c) Menelaah dan mengusulkan calon yang memenuhi c) Review and propose candidates who meet the
syarat sebagai anggota Direksi dan/atau anggota requirements as members of the Board of Directors
Dewan Komisaris kepada Dewan Komisaris untuk and/or Board of Commissioners to the Board of
disampaikan kepada RUPS; Commissioners for submission to the GMS;
d) Memberikan rekomendasi kepada Dewan Komisaris d) Provide recommendations to the Board of
mengenai : Commissioners regarding:
i) sistem dan prosedur pemilihan dan/atau penggantian i) Systems and procedures for the selection and/or
anggota Direksi dan anggota Dewan Komisaris replacement of members of the Board of Directors
kepada Dewan Komisaris untuk disampaikan and Board of Commissioners for submission to the
kepada RUPS; GMS
268 Laporan Tahunan & Laporan Keberlanjutan 2025
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ii) pemilihan Pihak Independen yang akan menjadi ii) The selection of Independent Parties to serve as
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
anggota Komite Audit dan Komite Pemantau Risiko. members of the Audit Committee and the Risk
Monitoring Committee
e) Menyelenggarakan rapat dengan mengacu pada e) Hold meetings in accordance with the Guidelines
Pedoman dan Tata Tertib Kerja Komite Remunerasi dan and Rules of Procedure for the Nomination and
Nominasi; Remuneration Committee;
f) Melaporkan kepada Dewan Komisaris atas pelaksanaan f) Report to the Board of Commissioners on the
fungsi Remunerasi dan Nominasi; implementation of the Remuneration and Nomination
functions;
g) Mengadministrasikan seluruh pelaksanaan fungsi g) Administer all activities related to the Remuneration and
Remunerasi dan Nominasi. Nomination functions.
Fungsi Remunerasi Remuneration Function
a) Memberikan rekomendasi kepada Dewan Komisaris a) Provide recommendations to the Board of
mengenai Struktur Remunerasi, Kebijakan Remunerasi, Commissioners regarding Remuneration Structure,
dan Besaran Remunerasi bagi : Remuneration Policy, and Remuneration Amount for:
i) Anggota Direksi dan Dewan Komisaris untuk i. Members of the Board of Directors and Board of
disampaikan kepada RUPS; Commissioners for submission to the GMS;
ii) Pejabat Eksekutif dan karyawan kepada Direksi. ii. Executive Officers and employees to the Board of
Directors.
b) membantu Dewan Komisaris melakukan penilaian b) Assist the Board of Commissioners in assessing
kinerja dengan kesesuaian Remunerasi yang diterima performance in relation to the remuneration received by
masing-masing anggota Direksi dan/atau anggota each member of the Board of Directors and/or Board of
Dewan Komisaris. Commissioners.
c) Melakukan evaluasi terhadap kebijakan remunerasi c) Evaluate remuneration policies (compliance of policy
(kesesuaian kebijakan dengan pelaksanaannya), paling with implementation), at least including:
kurang meliputi :
i) Kinerja keuangan dari pemenuhan cadangan sesuai i. Financial performance in fulfilling reserves as
ketentuan yang berlaku; required;
ii) Prestasi kerja individual; ii. Individual performance achievements;
iii) Kewajaran dengan peer group; iii. Fairness compared to peer group;
iv) Sasaran dan strategi jangka panjang Bank. iv. Bank’s long-term goals and strategies.
KRITERIA PERSYARATAN ANGGOTA KOMITE MEMBERSHIP REQUIREMENTS FOR THE
NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE
Bank Banten telah menetapkan kriteria keanggotaan Bank Banten has established the following criteria
Komite Nominasi dan Remunerasi sebagai berikut: for membership in the Nomination and Remuneration
Committee:
1. Memiliki integritas, kemampuan, pengetahuan dan 1. Possess integrity, capability, knowledge, and experience
pengalaman sesuai bidang pekerjaannya serta mampu relevant to their field and be able to communicate
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
berkomunikasi dengan baik. effectively.
2. Memahami peraturan perundang-undangan di bidang 2. Understand laws and regulations related to employment,
ketenagakerjaan, sumber daya manusia, pengurus human resources, bank management, bank governance,
Bank, tata kelola Bank, remunerasi dan nominasi. remuneration, and nomination.
3. Mampu menjaga kerahasiaan Bank. 3. Able to maintain the confidentiality of the Bank.
2025 Annual Report & Sustainability Report 269
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4. Bagi Komisaris Independen, tidak memiliki hubungan 4. For Independent Commissioners, must not have
keuangan, kepengurusan, kepemilikan saham dan/atau financial, management, shareholding, and/or family
hubungan keluarga dengan anggota Direksi, anggota relationships with members of the Board of Directors,
Dewan Komisaris lain dan/atau pemegang saham other Board of Commissioners, and/or controlling
pengendali, atau hubungan dengan Bank yang dapat shareholders, or any relationship with the Bank that may
mempengaruhi kemampuan yang bersangkutan untuk affect their ability to act independently.
bertindak independen.
PENGANGKATAN DAN PEMBERHENTIAN APPOINTMENT AND DISMISSAL
Pengangkatan dan pemberhentian anggota Komite The appointment and dismissal of members of the
Nominasi dan Remunerasi wajib dilakukan oleh Direksi Nomination and Remuneration Committee must be carried
berdasarkan keputusan rapat Dewan Komisaris. out by the Board of Directors based on resolutions of the
Board of Commissioners.
KOMPOSISI KOMITE NOMINASI DAN REMUNERASI COMPOSITION OF THE NOMINATION AND
REMUNERATION COMMITTEE
Komite Nominasi dan Remunerasi beranggotakan paling The Nomination and Remuneration Committee consists of
sedikit 3 (tiga) orang anggota, terdiri dari: at least 3 (three) members:
• 1 (satu) orang Komisaris Independen. • (one) Independent Commissioner.
• 1 (satu) orang Komisaris. • 1 (one) Commissioner.
• 1 (satu) orang Pejabat Eksekutif yang membawahkan • 1 (one) Executive Officer overseeing the Human
fungsi Sumber Daya Manusia. Resources function.
Komite Nominasi dan Remunerasi diketuai oleh Komisaris The Nomination and Remuneration Committee is chaired
Independen merangkap sebagai anggota. by the Independent Commissioner, who also serves as a
member.
Di sepanjang tahun 2025, tidak terdapat perubahan Throughout 2025, there were no changes in the composition
komposisi Komite Nominasi dan Remunerasi Perseroan. of the Company’s Nomination and Remuneration
Komposisi Komite Nominasi dan Remunerasi Perseroan di Committee. The composition in 2025 is as follows:
tahun 2025 adalah sebagai berikut:
Tabel Komposisi Komite Nominasi dan Remunerasi Table of Nomination and Remuneration Committee
Tahun 2025 Composition for 2025
Berdasarkan SK Dewan Komisaris No. 016/SK/KOM-BB/ Based on the Board of Commissioners Decree No.
XII/2024 tanggal 04 Desember 2024, susunan keanggotaan 016/SK/KOM-BB/XII/2024 dated December 4, 2024,
Komite Nominasi dan Remunerasi: the membership of the Nomination and Remuneration
Committee is as follows:
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Period
1. Hoiruddin Hasibuan Ketua Komite Nominasi dan Remunerasi Komisaris Utama Independen Pertama /
/ Head of Nomination and Remuneration / Independent President First
Committee Commissioner
2. Deden Riki Hayatul Firman Anggota Komite Nominasi dan Remunerasi Komisaris Independen / Pertama /
/ Nomination and Remuneration Committee Independent Commissioner First
Member
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Page 273
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Period
3. Rina Dewiyanti Anggota Komite Nominasi dan Remunerasi Komisaris Non Independen Pertama /
/ Nomination and Remuneration Committee / Non-Independent First
MemberAnggota Komite Nominasi dan Commissioner
Remunerasi
4. TB Firman Tauchid Sekretaris Komite Nominasi dan Remunerasi Kepala Divisi Human Capital Pertama /
/ Secretary of the Nomination and / Head of the Human Capital First
Remuneration Committee Division
PROFIL KOMITE NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE
PROFILE
Ketua Komite Nominasi dan Remunerasi Head of the Nomination and Remuneration Committee
HOIRUDDIN HASIBUAN
Anggota Komite Nominasi dan Remunerasi / Nomination and Remuneration Committee Member
Dasar Pengangkatan / SK Dewan Komisaris No. 016/SK/KOM-BB/XII/2024 / Board of Commissioners Decree No. 016/SK/
Basis of Appointment KOM-BB/XII/2024
Rangkap Jabatan / Komisaris Utama Independen / Independent President Commissioner
Concurrent Position
Profil bapak Hoiruddin Hasibuan menjabat sebagai Ketua The profile of Mr. Hoiruddin Hasibuan, who serves as Head
Komite Nominasi dan Remunerasi sekaligus menjadi of the Nomination and Remuneration Committee as well as
Komisaris Utama Independen telah disajikan dalam Bab Independent President Commissioner, is presented in the
Profil Perusahaan di bagian Profil Dewan Komisaris. Company Profile chapter under the Board of Commissioners
Profile section.
Anggota Komite Audit Nominasi dan Remunerasi Nomination and Remuneration Committee Member
DEDEN RIKI HAYATUL FIRMAN
Anggota Komite Nominasi dan Remunerasi / Nomination and Remuneration Committee Member
Dasar Pengangkatan / SK Dewan Komisaris No. 016/SK/KOM-BB/XII/2024 / Board of Commissioners Decree No. 016/SK/
Basis of Appointment KOM-BB/XII/2024
Rangkap Jabatan / Komisaris Independen / Independent Commissioner
Concurrent Position
Profil bapak Deden Riki Hayatul Firman menjabat sebagai The profile of Mr. Deden Riki Hayatul Firman, who serves as
Anggota Komite Nominasi dan Remunerasi sekaligus a member of the Nomination and Remuneration Committee
menjadi Komisaris Independen telah disajikan dalam Bab as well as Independent Commissioner, is presented in the
Profil Perusahaan di bagian Profil Dewan Komisaris. Company Profile chapter under the Board of Commissioners
Profile section.
RINA DEWIYANTI
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Anggota Komite Nominasi dan Remunerasi / Nomination and Remuneration Committee Member
Dasar Pengangkatan / SK Dewan Komisaris No. 016/SK/KOM-BB/XII/2024 / Board of Commissioners Decree No. 016/SK/
Basis of Appointment KOM-BB/XII/2024
Rangkap Jabatan / Komisaris / Commissioner
Concurrent Position
2025 Annual Report & Sustainability Report 271
Page 274
Profil ibu Rina Dewiyanti menjabat sebagai Anggota Komite Ms. Rina Dewiyanti, who serves concurrently as a Member
Nominasi dan Remunerasi sekaligus menjadi Komisaris of the Nomination and Remuneration Committee and as a
telah disajikan dalam Bab Profil Perusahaan di bagian Profil Commissioner, has been presented in the Company Profile
Dewan Komisaris. chapter under the Board of Commissioners Profile section.
TB FIRMAN TAUCHID
Sekretaris Komite Nominasi dan Remunerasi / Secretary of the Nomination and Remuneration Committee
Dasar Pengangkatan / SK Dewan Komisaris No. 016/SK/KOM-BB/XII/2024 / Board of Commissioners Decree No. 016/SK/
Basis of Appointment KOM-BB/XII/2024
Kewarganegaraan / Indonesia / Indonesian
Citizenship
Riwayat Pendidikan / Sarjana Manajemen Bisnis, Institut Manajemen Telkom (2009) / Bachelor of Business Management,
Education Institut Manajemen Telkom (2009)
Riwayat Pekerjaan / Work Kepala Divisi Human Capital / Head of Human Capital Division
Experience
INDEPENDENSI KOMITE NOMINASI DAN INDEPENDENCE OF THE NOMINATION AND
REMUNERASI REMUNERATION COMMITTEE
Semua anggota Komite Nominasi dan Remunerasi telah All members of the Nomination and Remuneration
memenuhi standar independensi, keahlian, integritas, serta Committee have met the standards of independence,
memiliki moral yang baik. expertise, integrity, and possess good moral character.
RAPAT KOMITE NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE
MEETINGS
Di sepanjang tahun 2025, Komite Nominasi dan Remunerasi Throughout 2025, the Nomination and Remuneration
telah melaksanakan rapat sebanyak 6 (enam) kali dengan Committee held a total of 6 (six) meetings, with the following
rincian sebagai berikut: details:
Jumlah / Total Kehadiran
No Nama / Name Jabatan / Position (%) / Attendance
Rapat / Meeting Hadir / Attendance (%)
1 Hoiruddin Ketua Komite Nominasi dan 6 6 100%
Hasibuan Remunerasi / Head of the
Nomination and Remuneration
Committee
2 Deden Riki Anggota Komite Nominasi 6 6 100%
Hayatul Firman dan Remunerasi / Nomination
and Remuneration Committee
Member
3 Rina Dewiyanti* Anggota Komite Nominasi 6 3 50%
dan Remunerasi / Nomination
and Remuneration Committee
MemberAnggota Komite
Nominasi dan Remunerasi
4 TB Firman Sekretaris Komite Nominasi dan 6 6 100%
Tauchid Remunerasi / Secretary of the
Nomination and Remuneration
Committee
*) Atas Nama Rina Dewiyanti, efektif sebagai anggota Komite Nominasi dan *) With respect to Rina Dewiyanti, her appointment as a member of the
Remunerasi per tanggal 10 September 2025. Nomination and Remuneration Committee became effective as of September
10, 2025..
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Tabel Agenda Rapat Komite Nominasi dan Remunerasi Table of the Nomination and Remuneration Committee
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Tahun 2025 Meeting in 2025
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 11 Maret 2025 / 1. Remunerasi Pengurus Bank / Remuneration of Bank Management
March 11, 2025. 2. Remunerasi Karyawan / Employee Remuneration
3. Nominasi Pengurus Bank / Nomination of Bank Management
2 10 April 2026 / April Nominasi Pengurus Bank / Nomination of Bank Management
10, 2026
3 23 Juli 2025 / July 23, 1. Remunerasi Karyawan / Employee Remuneration
2025 2. Nominasi Pengurus Bank / Nomination of Bank Management
3. Tindak lanjut atas Anggota Komite Dewan Komisaris / Follow-Up on Members of the Board of
Commissioners' Committees
4 23 September 2025 / 1. Tindak Lanjut atas Anggota Komite Dewan Komisaris / Follow-Up on Members of the Board of
September 23, 2025 Commissioners' Committees
2. Remunerasi Pengurus Bank / Remuneration of Bank Management
3. Remunerasi Karyawan / Employee Remuneration
5 28 November 2025 / 1. Nominasi Pengurus Bank / Nomination of Bank Management
November 28, 2025 2. Rekomendasi atas Anggota Komite Dewan Komisaris / Recommendation on Members of the Board
of Commissioners' Committees
6 30 Desember 2025 / Nominasi Pengurus Bank / Nomination of Bank Management
December 30, 2025
PELAKSANAAN TUGAS KOMITE NOMINASI DAN IMPLEMENTATION OF THE DUTIES OF THE
REMUNERASI 2025 NOMINATION AND REMUNERATION COMMITTEE IN
2025
Di tahun 2025, Komite Nominasi dan Remunerasi telah In 2025, the Nomination and Remuneration Committee
melaksanakan tugas dan tanggung jawab sebagai berikut: carried out the following duties and responsibilities:
1. Melakukan evaluasi kebijakan remunerasi Karyawan, 1. Conducting an evaluation of the remuneration policies
Dewan Komisaris dan Direksi. for Employees, the Board of Commissioners, and the
Board of Directors.
2. Memberikan rekomendasi atas pemberian tunjangan 2. Providing recommendations on the granting of
dan fasilitas Karyawan, Dewan Komisaris dan Direksi. allowances and facilities for Employees, the Board of
Commissioners, and the Board of Directors.
3. Memberikan rekomendasi pemberhentian dengan 3. Providing recommendations to the Board of
hormat pengurus Bank kepada Dewan Komisaris. Commissioners on the honorable dismissal of Bank
management.
4. Memberikan rekomendasi hasil self assessment 4. Providing recommendations to the Board of
pengurus Bank kepada Dewan Komisaris. Commissioners on the results of the self-assessment of
Bank management.
5. Melakukan pengajuan penilaian kemampuan dan 5. Submitting applications for the Fit and Proper
kepatutan Pengurus Bank. Assessment of Bank management.
6. Tindak lanjut hasil putusan OJK atas pengajuan 6. Following up on the results of OJK decisions regarding
penilaian kemampuan dan kepatutan atas pengurus the submission of Fit and Proper Assessments of Bank
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank. management.
7. Melakukan tindaklanjut atas pengunduran diri pihak 7. Following up on the resignation of independent members
independen anggota komite. of the Committees.
8. Memberikan rekomendasi pemilihan pihak independen 8. Providing recommendations on the selection of
anggota komite. independent members of the Committees.
9. Melaksanakan proses nominasi dan seleksi calon 9. Carrying out the nomination and selection process for
pengurus Bank. candidates for Bank management positions.
2025 Annual Report & Sustainability Report 273
Page 276
10. Melakukan evaluasi dan penilaian kinerja anggota 10. Conducting evaluations and performance assessments
Komite. of Committee members.
11. Melaksanakan Rapat Komite Nominasi dan Remunerasi 11. Convening a total of 6 (six) Nomination and Remuneration
selama tahun 2025 sebanyak 6 kali. Committee Meetings throughout the year 2025.
PENGEMBANGAN KOMPETENSI KOMITE NOMINASI COMPETENCY DEVELOPMENT FOR THE
DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE
Secara berkala, Bank Banten memberikan kesempatan On a periodic basis, Bank Banten provides opportunities
kepada seluruh insan Perusahaan untuk ikut serta dan for all members of the Company to participate and engage
terlibat dalam program pengembangan kompetensi. in competency development programs. The competency
Pengembangan kompetensi yang telah diikuti oleh Komite development programs attended by the Nomination and
Nominasi dan Remunerasi tahun 2025 adalah sebagai Remuneration Committee members in the year 2025 are
berikut: as follows:
Tabel Pengembangan Kompetensi Komite Nominasi Tabel Pengembangan Kompetensi Komite Nominasi
dan Remunerasi Tahun 2025 dan Remunerasi Tahun 2025
Jabatan /
Nama / Name Program Kompetensi / Competency Program Pelaksanaan / Date
Position
Hoiruddin Ketua Komite Seminar & Rakernas FKDK BPDSI / Seminar & National Working 16-17 Januari 2025 /
Hasibuan Nominasi dan Meeting (Rakernas) of FKDK BPDSI January 16–17, 2025
Remunerasi
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi VI 6 Mei 2025 / May 6,
/ Head of the
Dewan Komisaris / Refresher Course for Risk Management Certification 2025
Nomination and
— Qualification Level VI for the Board of Commissioners
Remuneration
Committee Seminar FKDK BPDSI Wilayah Tengah : Roadmap Penguatan BPD / 9-10 Juli 2025 / July
FKDK BPDSI Central Region Seminar: Roadmap for the Strengthening 9–10, 2025
of Regional Development Banks (BPD)
Seminar Roadmap Penguatan BPD 2024-2027 / Seminar on the 20-21 Agustus 2025 /
Roadmap for the Strengthening of BPD 2024–2027 August 20–21, 2025
Seminar Nasional FKDKP BPDSI Wilayah Barat : Protokol Pencegahan, 16-18 November
Penanganan Dan Pemulihan Pasca Serangan Siber Terhadap Bank 2025 / November
Umum / National Seminar of FKDKP BPDSI Western Region: Protocol 16–18, 2025
for the Prevention, Handling, and Recovery from Cyber Attacks on
Commercial Banks
Deden Riki Anggota Komite Seminar Membangun Ketahanan Siber Di Era Digital Banking / 21-22 Mei 2025 / May
Hayatul Firman Nominasi dan Seminar on Building Cyber Resilience in the Era of Digital Banking 21–22, 2025
Remunerasi /
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vi 6 Mei 2025 / May 6,
Member of the
Dewan Komisaris / Refresher Course for Risk Management Certification 2025
Nomination and
— Qualification Level VI for the Board of Commissioners
Remuneration
Committee
TB Firman Sekretaris Komite Workshop Business: Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 /
Tauchid Nominasi dan Workshop: Solid Business — Bank Banten Rising January 30, 2025
Remunerasi /
FGD Perizinan dan Penilaian Kemampuan Dan Kepatutan (PKK) 21 Februari 2025 /
Secretary of the
Kepengurusan dan Kepemilikan Bank Umum / Focus Group February 21, 2025
Nomination and
Discussion (FGD) on Licensing and Fit and Proper Assessment (PKK)
Remuneration
of Management and Ownership of Commercial Banks
Committee
Sertifikasi Human Resources Level Manager / Human Resources 26-28 Februari 2025
Certification — Manager Leve / February 26–28,
2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness 16-17 Mei 2025 / May
Dan Internal Auditor / ISO 37001:2016 Anti-Bribery Management 16–17, 2025
System Awareness and Internal Auditor Training
Sosialisasi Ketenagakerjaan / Labor/Employment Dissemination 26 Agustus 2025 /
August 26, 2025
Training Service & Budaya: Reenergize Culture Bank Banten 2025 / 17-18 Oktober 2025 /
Service & Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang 5 / Refresher 9 Oktober 2025 /
Course for Risk Management Certification — Level 5 October 9, 2025
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KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
DASAR HUKUM KOMITE PEMANTAU RISIKO LEGAL BASIS OF THE RISK MONITORING
COMMITTEE
Pembentukan Komite Pemantau Risiko berdasarkan The establishment of the Risk Monitoring Committee is
ketentuan sebagai berikut: based on the following regulations:
a. POJK No. 17 tahun 2023 tanggal 14 September 2023 a. OJK Regulation No. 17 of 2023 dated September 14,
tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
b. POJK No. 33/POJK.4/2014 tanggal 8 Desember 2014 b. OJK Regulation No. 33/POJK.4/2014 dated December
tentang Direksi dan Dewan Komisaris Emiten atau 8, 2014 concerning the Board of Directors and Board of
Perusahaan Publik. Commissioners of Issuers or Public Companies.
c. POJK No. 18/ POJK.03/2016 tanggal 16 Maret 2016 c. OJK Regulation No. 18/POJK.03/2016 dated March
tentang Penerapan Manajemen Risiko bagi Bank 16, 2016 concerning the Implementation of Risk
Umum. Management for Commercial Banks.
d. SEOJK No. 34/ SEOJK.03/2016 tanggal 1 September d. OJK Circular Letter No. 34/SEOJK.03/2016 dated
2016 tentang Penerapan Manajemen Risiko bagi Bank September 1, 2016 concerning the Implementation of
Umum. Risk Management for Commercial Banks.
PEDOMAN KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE GUIDELINES
Perseroan telah menetapkan pedoman kerja Komite The Company has established the Risk Monitoring
Pemantau Risiko berdasarkan Surat Keputusan No. 006/ Committee guidelines based on Decree No. 006/SKKOM/
SKKOM/BB/XII/22 tanggal 1 Desember 2022. Pedoman BB/XII/22 dated December 1, 2022. These guidelines serve
tersebut digunakan sebagai acuan dalam melaksanakan as a reference in carrying out the committee’s duties and
tugas dan tanggung jawabnya. Di dalam pedoman kerja responsibilities. The Risk Monitoring Committee guidelines
Komite Pemantau Risiko memuat hal-hal sebagai berikut: cover the following:
• Pengertian, komposisi dan struktur keanggotaan. • Definition, composition, and membership structure
• Tugas, tanggung jawab dan wewenang. • Duties, responsibilities, and authorities
• Penyelenggaraan rapat. • Meeting arrangements
• Mekanisme dan waktu kerja. • Mechanisms and working time
• Masa jabatan. • Term of office
• Pelaporan kegiatan. • Activity reporting
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE RISK
PEMANTAU RISIKO MONITORING COMMITTEE
Komite Pemantau Risiko memiliki tugas dan tanggung The Risk Monitoring Committee has the following duties
jawab sebagai berikut: and responsibilities:
1. Mengevaluasi kesesuaian antara kebijakan manajemen 1. Evaluate the alignment between risk management
risiko dan pelaksanaan kebijakan Bank. policies and the Bank’s policy implementation.
2. Memantau dan mengevaluasi pelaksanaan tugas 2. Monitor and evaluate the performance of the Risk
Komite Manajemen Risiko dan Satuan Kerja Manajemen Management Committee and the Risk Management
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Risiko. Unit.
3. Memberikan rekomendasi kepada Dewan Komisaris 3. Provide recommendations to the Board of
atas hasil pemantauan dan evaluasi Komite Pemantau Commissioners based on the monitoring and evaluation
Risiko. results of the Risk Monitoring Committee.
4. Mengevaluasi usulan kebijakan manajemen risiko 4. Evaluate proposals for risk management policies,
termasuk kerangka dan strateginya serta memberikan including their framework and strategy, and provide
masukan kepada Dewan Komisaris terhadap usulan input to the Board of Commissioners regarding such
kebijakan tersebut. policy proposals.
2025 Annual Report & Sustainability Report 275
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5. Melakukan review terhadap notulen rapat Komite 5. Review the minutes of Risk Management Committee
Manajemen Risiko secara berkala, memberikan meetings on a regular basis, offering independent
saran independen dan rekomendasi untuk penguatan advice and recommendations to strengthen the Bank’s
panduan manajemen risiko Bank. risk management guidelines.
6. Mengadakan rapat Komite Pemantau Risiko secara 6. Hold Risk Monitoring Committee meetings regularly,
berkala / paling sedikit 1 (satu) kali dalam satu tahun at least once a year, to discuss the bank's risk control
yang membahas mengenai dashboard pengendalian dashboard, risk profile, review of risk appetite and risk
risiko bank, profil risiko, review risk apetite dan risk tolerance, and provide guidance and recommendations
tolerance dan memberikan panduan dan rekomendasi for business risk improvements and other risk
perbaikan risiko bisnis dan issue-issue manajemen management issues.
risiko lainnya.
7. Memberikan masukan dan rekomendasi terhadap upaya 7. Provide input and recommendations for the regular
perbaikan Tingkat Kesehatan Bank secara berkala. improvement of the Bank’s Soundness Level.
8. Membantu memastikan independensi Satuan Kerja 8. Help ensure the independence of the Risk Management
Manajemen Risiko, kompetensi SDM terkait manajemen Unit, the competence of risk management personnel,
risiko, implementasi budaya risiko di setiap jenjang the implementation of risk culture at all levels of
organisasi bank, dan terlaksananya kaji ulang secara the bank’s organization, and regular reviews of the
berkala terkait keakuratan metode penilaian risiko, accuracy of risk assessment methods, adequacy of Risk
kecukupan implementasi Sistem Informasi Manajemen Management Information System implementation, and
Risiko, dan ketepatan kebijakan penentuan limit risiko appropriateness of bank risk limit policies.
Bank.
9. Memberikan masukan sebagai bahan pertimbangan 9. Provide input as a consideration for the Board of
Dewan Komisaris untuk menyetujui kebijakan Commissioners to approve risk management policies
Manajemen Risiko dan Implementasinya termasuk and their implementation, including the adequacy of risk
kecukupan mitigasi risiko yang mungkin timbul dari mitigation for potential risks arising from transactions
transaksi dan hal lainnya yang memerlukan persetujuan and other matters requiring Board of Commissioners’
Dewan Komisaris. approval.
10. Melakukan tugas lainnya yang relevan dengan tupoksi 10. Carry out other tasks relevant to the duties and functions
Komite Pemantau Risiko sesuai dengan kebutuhan of the Risk Monitoring Committee as needed by the
Dewan Komisaris. Board of Commissioners.
PENGANGKATAN DAN PEMBERHENTIAN APPOINTMENT AND DISMISSAL
Komite Pemantau Risiko diangkat dan diberhentikan oleh The Risk Monitoring Committee is appointed and dismissed
Dewan Komisaris, sehingga dalam pelaksanaan tugasnya, by the Board of Commissioners and, in carrying out its
komite ini bertanggung jawab langsung kepada Dewan duties, reports directly to the Board of Commissioners.
Komisaris.
KOMPOSISI KOMITE PEMANTAU RISIKO COMPOSITION OF THE RISK MONITORING
COMMITTEE
Di sepanjang tahun 2025, terdapat perubahan komposisi Throughout 2025, there were changes in the composition
Komite Pemantau Risiko Perseroan. Komposisi Komite of the Company’s Risk Monitoring Committee. The
Pemantau Risiko Perseroan di tahun 2025 adalah sebagai composition for 2025 is as follows:
berikut:
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Tabel Komposisi Komite Pemantau Risiko Tahun 2025 Table of Risk Monitoring Committee Composition for
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
2025
Berdasarkan SK Dewan Komisaris No. 007/SK/KOM-BB/ Based on the Board of Commissioners Decree No. 007/
XII/2024 tanggal 4 Desember 2024, susunan keanggotaan SK/KOM-BB/XII/2024 dated December 4, 2024, the
Komite Pemantau Risiko sebagai berikut: membership of the Risk Monitoring Committee is as follows:
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Period
1. Hoiruddin Ketua Komite Pemantau Risiko / Komisaris Utama Independen / Independent Pertama /
Hasibuan Head of Risk Monitoring Committee President Commissioner First
2. Deden Riki Anggota Komite Pemantau Risiko / Komisaris Independen / Independent Pertama /
Hayatul Firman Risk Monitoring Committee Member Commissioner First
3. Douval Anggota Komite Pemantau Risiko / Pihak Independen yang memiliki keahlian di Pertama /
Risk Monitoring Committee Member bidang manajemen risiko / An independent party First
with expertise in risk management
4. Moh Panji Anggota Komite Pemantau Risiko / Pihak Independen yang memiliki keahlian di bidang Pertama /
Prasetya* Risk Monitoring Committee Member Keuangan dan perbankan / An independent party First
with expertise in finance and banking
*) Bapak Moh Panji Prasetya diberhentikan menjadi *) Mr. Moh Panji Prasetya was dismissed from his position
Anggota Pihak Independen tanggal 1 Agustus 2025. as Independent Member effective August 1, 2025.
Berdasarkan SK Dewan Komisaris No. 285/SK/DIR-BB/ Based on the Board of Commissioners Decree No. 285/
IX/2025 tanggal 10 September 2025, susunan keanggotaan SK/DIR-BB/IX/2025 dated September 10, 2025, the
Komite Pemantau Risiko sebagai berikut : composition of the Risk Monitoring Committee is as follows:
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Period
1. Hoiruddin Ketua Komite Pemantau Risiko / Komisaris Utama Independen / Independent Pertama /
Hasibuan Head of Risk Monitoring Committee President Commissioner First
2. Deden Riki Anggota Komite Pemantau Risiko / Komisaris Independen / Independent Pertama /
Hayatul Firman Risk Monitoring Committee Member Commissioner First
3. Douval Anggota Komite Pemantau Risiko / Pihak Independen yang memiliki keahlian di Pertama /
Risk Monitoring Committee Member bidang manajemen risiko / Independent party who First
has expertise in the field of risk management
4. Aditya Rachman* Anggota Komite Pemantau Risiko / Pihak Independen yang memiliki keahlian di Pertama /
Risk Monitoring Committee Member bidang Keuangan dan perbankan / Independent First
parties who have expertise in the fields of finance
and banking
*) Bapak Aditya Rachman diberhentikan menjadi Anggota Pihak Independen *) Mr. Aditya Rachman was dismissed from his position as Independent
tanggal 17 Oktober 2025. Member effective October 17, 2025.
Berdasarkan SK Dewan Komisaris No. 387/SK/DIR-BB/ Based on the Board of Commissioners Decree No. 387/SK/
XII/2025 tanggal 8 Desember 2025, susunan keanggotaan DIR-BB/XII/2025 dated December 8, 2025, the composition
Komite Pemantau Risiko : of the Risk Monitoring Committee is as follows:
Periode /
No Nama / Name Jabatan / Position Profesi / Profession
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Period
1. Hoiruddin Ketua Komite Pemantau Risiko Komisaris Utama Independen / Independent Pertama /
Hasibuan / Head of the Risk Monitoring President Commissioner First
Committee
2. Deden Riki Anggota Komite Pemantau Risiko / Komisaris Independen / Independent Pertama /
Hayatul Firman Risk Monitoring Committee Member Commissioner First
2025 Annual Report & Sustainability Report 277
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Periode /
No Nama / Name Jabatan / Position Profesi / Profession
Period
3. Douval Anggota Komite Pemantau Risiko / Pihak Independen yang memiliki keahlian di Pertama /
Risk Monitoring Committee Member bidang manajemen risiko / An independent party First
with expertise in risk management
4. Hendra Anggota Komite Pemantau Risiko / Pihak Independen yang memiliki keahlian di bidang Pertama /
Suparyadi* Risk Monitoring Committee Member Keuangan dan perbankan / An independent party First
with expertise in finance and banking
*) Bapak Hendra Suparyadi diangkat menjadi Anggota Pihak Independen *) Mr. Hendra Suparyadi was appointed as Independent Member effective
tanggal 1 Desember 2025. December 1, 2025.
Komposisi Komite Pemantau Risiko Bank Banten per 31 As of December 31, 2025, the composition of Bank Banten’s
Desember 2025 terdiri atas 4 (empat) orang yang diketuai Risk Monitoring Committee consists of 4 (four) members,
oleh 1 (satu) orang Komisaris Utama Independen, 1 (satu) chaired by 1 (one) Independent President Commissioner,
orang anggota Komisaris Independen dan dibantu oleh with 1 (one) Independent Commissioner as a member, and
2 (dua) orang anggota komite yang berasal dari pihak supported by 2 (two) independent committee members with
independen yang memiliki keahlian di bidang manajemen expertise in risk management, finance, and banking. All
risiko, keuangan dan perbankan. Seluruh keanggotaan members of the Risk Monitoring Committee fulfill the criteria
Komite Pemantau Risiko telah memenuhi kriteria of independence, expertise, integrity, and good moral
independensi, keahlian, integritas dan moral yang baik, character as required by good governance implementation
sebagaimana yang telah dipersyaratkan dalam ketentuan regulations.
pelaksanaan tata kelola.
PROFIL KOMITE PEMANTAU RISIKO HEAD OF THE RISK MONITORING COMMITTEE
PROFILE
Ketua Komite Pemantau Risiko Head of the Risk Monitoring Committee
HOIRUDDIN HASIBUAN
Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Pengangkatan / SK Dewan Komisaris No. 387/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Decree of the Board of
Basis of Appointment Commissioners No. 387/SK/DIR-BB/XII/2025 dated December 8, 2025
Rangkap Jabatan / Komisaris Utama Independen / Independent President Commissioner
Concurrent Position
Profil bapak Hoiruddin Hasibuan menjabat sebagai Ketua The profile of Mr. Hoiruddin Hasibuan, who serves as Head
Komite Pemantau Risiko sekaligus menjadi Komisaris of the Risk Monitoring Committee as well as Independent
Utama Independen telah disajikan dalam Bab Profil President Commissioner, is presented in the Company
Perusahaan di bagian Profil Dewan Komisaris. Profile chapter under the Board of Commissioners Profile
section.
Anggota Komite Pemantau Risiko Member of the Risk Monitoring Committee
DEDEN RIKI HAYATUL FIRMAN
Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Pengangkatan / SK Dewan Komisaris No. 387/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Decree of the Board of
Basis of Appointment Commissioners No. 387/SK/DIR-BB/XII/2025 dated December 8, 2025
Rangkap Jabatan / Komisaris Independen / Independent Commissioner
Concurrent Position
278 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Profil bapak Deden Riki Hayatul Firman menjabat sebagai The profile of Mr. Deden Riki Hayatul Firman, who serves
Anggota Komite Pemantau Risiko sekaligus menjadi as a member of the Risk Monitoring Committee as well as
Komisaris Utama Independen telah disajikan dalam Bab Independent Commissioner, is presented in the Company
Profil Perusahaan di bagian Profil Dewan Komisaris. Profile chapter under the Board of Commissioners Profile
section.
HENDRA SUPARYADI
Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Pengangkatan / Basis SK Dewan Komisaris No. 387/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Decree of the Board of
of Appointment Commissioners No. 387/SK/DIR-BB/XII/2025 dated December 8, 2025
Profil bapak Hendra Suparyadi menjabat sebagai Anggota The profile of Mr. Hendra Suparyadi, who serves as a
Komite Pemantau Risiko telah disajikan dalam bagian Profil member of the Risk Monitoring Committee, is presented in
Komite Audit. the Audit Committee Profile section.
DOUVAL
nggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Pengangkatan / Basis SK Dewan Komisaris No. 387/SK/DIR-BB/XII/2025 tanggal 8 Desember 2025 / Decree of the Board of
of Appointment Commissioners No. 387/SK/DIR-BB/XII/2025 dated December 8, 2025
Profil bapak Douval menjabat sebagai Anggota Komite The profile of Mr. Dauval, who serves as a member of
Pemantau Risiko telah disajikan dalam bagian Profil Komite the Risk Monitoring Committee, is presented in the Audit
Audit. Committee Profile section.
INDEPENDENSI KOMITE PEMANTAU RISIKO INDEPENDENCE OF THE RISK MONITORING
COMMITTEE
Sesuai dengan POJK No. 17 tahun 2023, anggota In accordance with OJK Regulation No. 17 of 2023,
Komite Pemantau Risiko telah memenuhi persyaratan members of the Risk Monitoring Committee have fulfilled
independensi dan tidak terafiliasi dengan anggota Dewan the independence requirements and are not affiliated
Komisaris, Direksi, atau pemegang saham utama. Seluruh with members of the Board of Commissioners, Board of
anggota Komite Pemantau Risiko telah memenuhi kriteria Directors, or principal shareholders. All members of the Risk
independensi, keahlian, integritas dan moral yang baik. Monitoring Committee meet the criteria of independence,
expertise, integrity, and good moral character.
RAPAT KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE MEETINGS
Di sepanjang tahun 2025, Komite Pemantau Risiko telah Throughout 2025, the Risk Monitoring Committee held a
melaksanakan rapat sebanyak 12 (dua belas) kali dengan total of 12 (twelve) meetings, with the following details:
rincian sebagai berikut:
Jumlah / Total Kehadiran
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
No Nama / Name Jabatan / Position (%) / Attendance
Rapat / Meeting Hadir / Attendance (%)
1 Hoiruddin Komisaris Utama Independen 12 11 91%
Hasibuan (Ketua Komite) / Independent
President Commissioner (Head of
Committee)
2 Deden Riki Komisaris Utama Independen 12 12 100%
Hayatul Firman (Anggota Komite) / Independent
President Commissioner
(Committee Member)
2025 Annual Report & Sustainability Report 279
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Jumlah / Total Kehadiran
No Nama / Name Jabatan / Position (%) / Attendance
Rapat / Meeting Hadir / Attendance (%)
3 Moh Panji Pihak Independen (Anggota) / 12 7 50%
Prasetya *) Independent Party (Member)
4 Aditya Rachman Pihak Independen (Anggota) / 12 2 16%
**) Independent Party (Member)
5 Hendra Pihak Independen (Anggota) / 12 1 8%
Suparyadi ***) Independent Party (Member)
6 Douval Pihak Independen (Anggota) / 12 12 100%
Independent Party (Member)
*) Bapak Moh Panji Prasetya diberhentikan menjadi Anggota Pihak *) Mr. Moh Panji Prasetya was dismissed from his position as Independent
Independen tanggal 1 Agustus 2025. Member effective August 1, 2025.
**) Bapak Aditya Rachman diangkat menjadi Anggota Pihak Independen **) Mr. Aditya Rachman was appointed as Independent Member on
tanggal 4 September 2025 dan diberhentikan tanggal 17 Oktober 2025. September 4, 2025, and dismissed on October 17, 2025.
***) Bapak Hendra Suparyadi diangkat menjadi Anggota Pihak Independen ***) Mr. Hendra Suparyadi was appointed as Independent Member effective
tanggal 1 Desember 2025. December 1, 2025.
Tabel Agenda Rapat Komite Pemantau Risiko Tahun Table of Risk Monitoring Committee Meetign Agenda
2025 in 2025
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 31 Januari 2025 / 1. Laporan Realisasi RBB Periode Triwulan IV – 2024 / RBB Realization Report for Quarter IV - 2024
January 31, 2025 2. Laporan Fungsi Kepatuhan Periode Semester II – 2024 / Compliance Function Report for Semester
II - 2024
2 07 Februari 2025 / 1. Laporan Profil Risiko Periode Triwulan IV – 2024 / Risk Profile Report for the Fourth Quarter of 2024
February 7, 2025 2. Laporan Tingkat Kesehatan Bank Periode Semester II – 2024 / Bank Health Level Report for the
Second Semester of 2024
3 11 Maret 2025 / Pembahasan Terkait Surat-Surat OJK / Discussion Regarding OJK Letters
March 11, 2025
4 23 April 2025 / April 1. Laporan Profil Risiko Triwulan I tahun 2025 / Risk Profile Report for the First Quarter of 2025
23, 2025 2. Progres Persiapan Stress test dan implementasi Risiko Iklim / Progress of Stress Test Preparation
and Climate Risk Implementation
5 28 Mei 2025 / May 1. Laporan Pelaksanaan Tata Kelola Tahun 2024 / 2024 Governance Implementation Report
28, 2025 2. Laporan Realisasi RBB Triwulan I 2025 / 2025 First Quarter Business Plan Realization Report
3. Laporan Fungsi Kepatuhan Triwulan I 2025 / 2025 First Quarter Compliance Function Report
6 20 Juni 2025 / June Laporan Realisasi APP Bank Banten 31 Mei 2025, dan Laporan Progress perbaikan Profil Risiko,
20, 2025 GCG, TKB 31 Mei 2025 / Bank Banten APP Realization Report May 31, 2025, and Progress Report on
Risk Profile, GCG, and TKB Improvements May 31, 2025
7 23 Juli 2025 / July 23, 1. Laporan Profil Risiko Triwulan II Tahun 2025 / Risk Profile Report, Quarter II, 2025
2025 2. Laporan Self Assesmen Tingkat Kesehatan Bank (TKB) Semester I Tahun 2025 / Bank Health Level
Self-Assessment Report (TKB) for Semester I, 2025
8 27 Agustus 2025 / 1. Presentasi Hasil Stress Test Climate Risk yang akan di submit ke OJK / Presentation of Climate Risk
August 27, 2025 Stress Test Results to be submitted to the Financial Services Authority (OJK)
2. Hihghlight Laporan Fungsi Kepatuhan & Self Assessment Tata Kelola (GCG) Semester I Tahun 2025
/ Highlights of the Compliance Function Report & Corporate Governance (GCG) Self-Assessment for
the First Half of 2025
3. Update Surat Edaran OJK No.14 Tahun 2025 tentang GCG / Update of OJK Circular Letter No. 14
of 2025 concerning GCG
9 30 September 2025 / 1. Risiko Likuiditas terkait Update Strategi Penataan Likuiditas Bank Menuju Akhir Tahun 2025 / Liquidity
September 30, 2025 Risk Related to the Update on Bank Liquidity Management Strategy Towards the End of 2025
2. Update terkait POJK No.18 Tahun 2025 tentang Transparasi dan Publikasi Laporan Bank / Update on
POJK No. 18 of 2025 concerning Transparency and Publication of Bank Reports
10 22 Oktober 2025 / 1. Highlight Laporan Profil Risiko Triwulan III Tahun 2025 / Highlights of the Risk Profile Report for Q3
October 22, 2025 2025
2. Laporan Fungsi Kepatuhan Triwulan III Tahun 2025 / Compliance Function Report for Q3 2025
280 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 283
No Tanggal / Date Agenda Rapat / Meeting Agenda
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
11 19 November 2025 / Risiko Stratejik (Pembahasan RBB Tahun 2026 – 2028, Rencana Penyelenggara Produk Bank,
November 19, 2025 Rencana Strategi Teknologi Informasi dan Laporan Lainnya); / Strategic Risk (Discussion of the 2026
– 2028 RBB, Bank Product Implementation Plan, Information Technology Strategy Plan and Other
Reports);
12 19 Desember 2025 / 1. Isu-isu Strategis Risiko Hukum dan Risiko Reputasi; / Strategic Issues of Legal Risk and Reputational
December 19, 2025 Risk;
2. Workplan/Rencana Kerja Divisi Manajemen Risiko; / Risk Management Division Work Plan;
PELAKSANAAN TUGAS KOMITE PEMANTAU RISIKO IMPLEMENTATION OF THE RISK MONITORING
2025 COMMITTEE'S DUTIES IN 2025
Di sepanjang tahun 2025, Komite Pemantau Risiko telah Throughout 2025, the Risk Monitoring Committee carried
melaksanakan tugas dan tanggung jawab sebagai berikut: out the following duties and responsibilities:
1. Melakukan pemantauan risiko dengan melakukan 1. Monitored risk by reviewing the risk dashboard on
review terhadap dashboard risiko secara bulanan, dan a monthly basis, evaluating the risk profile reports
evaluasi atas laporan profil risiko dan Laporan Tingkat and the Bank’s Soundness Level Reports, and
Kesehatan Bank, serta memberikan pendapat, saran, providing opinions, suggestions, recommendations for
dan rekomendasi perbaikan serta strategi mitigasi improvement, and risk mitigation strategies.
risikonya.
2. Melakukan evaluasi terhadap pelaksanaan tugas dan 2. Evaluated the duties and responsibilities of the Risk
tanggung jawab Satuan Kerja Manajemen Risiko dan Management Unit and the implementation of the Risk
Pelaksanaan tugas Komite Manajemen Risiko. Management Committee’s tasks.
3. Merekomendasikan kepada Dewan Komisaris terhadap 3. Provided recommendations to the Board of
seluruh aspek penilaian dalam Tingkat Kesehatan Commissioners on all assessment aspects of the Bank’s
Bank, termasuk seluruh risiko inheren yang perlu Soundness Level, including all inherent risks requiring
menjadi perhatian antara lain risiko kredit, operasional, attention, such as credit, operational, strategic, and
strategik dan kepatuhan dengan memberikan masukan compliance risks, by offering risk mitigation input, as
mitigasi risikonya, termasuk juga upaya untuk perbaikan well as recommendations for improvements in capital,
aspek permodalan, rentabilitas dan juga implementasi profitability, and governance implementation.
tata kelola.
4. Memberikan masukan kepada Dewan Komisaris untuk 4. Provided input to the Board of Commissioners for the
bahan Laporan Pengawasan Dewan Komisaris kepada Board’s Supervisory Report to the Financial Services
OJK dan PSPT. Authority (OJK) and PSPT.
5. Membantu Menyusun Laporan Pengawasan Dewan 5. Assisted in preparing the Board of Commissioners’
Komisaris terhadap jalannya penyelenggaraan sistem Supervisory Report on the operation of the Bank’s
pembayaran oleh Bank yang disampaikan kepada Bank payment system, which is submitted to Bank Indonesia.
Indonesia.
PENGEMBANGAN KOMPETENSI KOMITE RISK MONITORING COMMITTEE COMPETENCY
PEMANTAU RISIKO DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan On a regular basis, Bank Banten provides opportunities
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
kepada seluruh insan Perusahaan untuk ikut serta dan for all personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. Berikut programs. The following is the Risk Monitoring Committee's
terdapat keikutsertaan Komite Pemantau Risiko dalam participation in the competency program in 2025, including:
program kompetensi di tahun 2025 di antaranya:
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Tabel Pengembangan Kompetensi Komite Pemantau Table of Risk Monitoring Committee Competency
Risiko Tahun 2025 Development Program for 2025
Jabatan / Pelaksanaan /
Nama / Name Program Kompetensi / Competency Development Program
Position Implementation
Hoiruddin Komisaris Utama • Seminar & Rakernas FKDK BPDSI / Seminar & National • 16 s.d 17 Januari 2025
Hasibuan Independen Working Meeting of the BPDSI Forum for the Development of / January 16-17, 2025
(Ketua Komite) Regional Development • 6 Mei 2025 / May 6,
/ Independent • Seminar & Rakernas FKDK BPDSI / Seminar & National 2025
President Working Meeting of the BPDSI Forum for the Development of • 9 Juli s.d 10 Juli 2025 /
Commissioner Regional Development July 9-10, 2025
(Head of • Seminar Fkdk Bpdsi Wilayah Tengah : Roadmap Penguatan • 20 s.d 21 Agustus
Committee) BPD / Seminar on the BPDSI Forum for the Development 2025 / August 20-21,
of Regional Development (FKDK BPDSI) Central Region: 2025
Roadmap for Strengthening Regional Development • 16 s.d 18 November
• Seminar Roadmap Penguatan BPD 2024 – 2027 /c Seminar on 2025 / November 16-
the Roadmap for Strengthening Regional Development 2024- 18, 2025
2027
• Seminar Nasional Fkdkp Bpdsi Wilayah Barat : Protokol
Pencegahan, Penanganan Dan Pemulihan Pasca Serangan
Siber Terhadap Bank Umum / National Seminar on the BPDSI
Forum for the Development of Regional Development (FKDKP
BPDSI) West Region: Protocol for Prevention, Handling, and
Recovery After Cyberattacks on Commercial Banks
Deden Riki Komisaris Utama • Seminar Membangun Ketahanan Siber Di Era Digital Banking • 21 s.d 22 Mei 2025 /
Hayatul Firman Independen / Seminar on Building Cyber Resilience in the Digital Banking 21 to 22 May 2025
(Anggota Komite) Era • 6 Mei 2025 / May 6,
/ Independent • Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vi 2025
President Dewan Komisaris / Risk Management Certification Refreshment
Commissioner Qualification Level VI for the Board of Commissioners.
(Committee
Member)
Moh Panji Pihak • Seminar Membangun Ketahanan Siber Di Era Digital Banking • 21 s.d 22 Mei 2025 /
Prasetya *) Independen / Seminar on Building Cyber Resilience in the Digital Banking May 21-22, 2025
(Anggota) / Era • 09 s.d 10 Juli 2025 /
Independent • Seminar Fkdk Bpdsi Wilayah Tengah : Roadmap Penguatan July 9-10, 2025
Party (Member) Bpd / Central Region BPDSI FKDK Seminar: Roadmap for
Strengthening BPDs
Aditya Rachman Pihak - -
**) Independen
(Anggota) /
Independent
Party (Member)
Hendra Pihak - -
Suparyadi ***) Independen
(Anggota) /
Independent
Party (Member)
Douval Pihak • Seminar Membangun Ketahanan Siber Di Era Digital Banking • 21 s.d 22 Mei 2025 /
Independen / Seminar on Building Cyber Resilience in the Digital Banking May 21-22, 2025
(Anggota) / Era • 9 s.d 10 Juli 2025 /
Independent • Seminar Fkdk Bpdsi Wilayah Tengah : Roadmap Penguatan July 9-10, 2025
Party (Member) Bpd / Seminar on the Central Region of BPDSI: Roadmap for • 20 s.d 21 Agustus 2025
Strengthening BPDs / August 20-21, 2025
• Seminar Roadmap Penguatan Bpd 2024-2027 / Seminar on the
Roadmap for Strengthening BPDs 2024-2027
*) Bapak Moh Panji Prasetya diberhentikan menjadi Anggota Pihak *) Mr. Moh Panji Prasetya was dismissed from his position as Independent
Independen tanggal 1 Agustus 2025. Member effective August 1, 2025.
**) Bapak Aditya Rachman diangkat menjadi Anggota Pihak Independen **) Aditya Rachman was appointed as Independent Member on September
tanggal 4 September 2025 dan diberhentikan tanggal 17 Oktober 2025. 4, 2025, and dismissed on October 17, 2025.
***) Bapak Hendra Suparyadi diangkat menjadi Anggota Pihak Independen ***) Mr. Hendra Suparyadi was appointed as Independent Member effective
tanggal 1 Desember 2025. December 1, 2025.
282 Laporan Tahunan & Laporan Keberlanjutan 2025
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KOMITE PENDUKUNG DIREKSI SUPPORTING COMMITTEES TO THE
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
BOARD OF DIRECTORS
Dalam pelaksanaan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board of
telah membentuk Komite Kebijakan Perkreditan, Komite Directors has established several supporting committees:
Manajemen Risiko, Komite Pengarah Teknologi Informasi the Credit Policy Committee, Risk Management Committee,
(IT Steering Committee), Komite Kredit dan Komite IT Steering Committee, Credit Committee, and Asset and
Manajemen Aset dan Kewajiban. Liability Management Committee.
KOMITE MANAJEMEN ASET DAN ASSET AND LIABILITY MANAGEMENT
KEWAJIBAN COMMITTEE (ALCO)
Pembentukan Komite Manajemen Aset dan Kewajiban The establishment of the Asset and Liability Management
(Assets & Liabilities Management Committee / ALCO) Committee (ALCO) is stipulated in the Board of Directors
ditetapkan dalam Surat Keputusan Direksi No. 1074/SK/ Decree No. 1074/SK/DIR-BB/VIII/2024 dated August 12,
DIR-BB/VIII/2024 tanggal 12 Agustus 2024. 2024.
DASAR HUKUM KOMITE MANAJEMEN ASET DAN LEGAL BASIS OF THE ASSET AND LIABILITY
KEWAJIBAN MANAGEMENT COMMITTEE
Pembentukan Komite Manajemen Aset dan Kewajiban The formation of the Asset and Liability Management
berdasarkan ketentuan sebagai berikut: Committee is based on the following regulations:
a. Undang-Undang No.7 tahun 1992 tentang Perbankan a. Law No. 7 of 1992 concerning Banking as amended by
sebagaimana telah diubah dengan Undang-Undang Law No. 10 of 1998 concerning Banking.
No.10 tahun 1998 tentang Perbankan.
b. POJK No. 17 Tahun 2023 tanggal 14 September 2023 b. OJK Regulation No. 17 of 2023 dated September 14,
tentang Penerapan Tata Kelola Bagi Bank Umum. 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
c. POJK No. 33/POJK.04/2014 tanggal 8 Desember 2014 c. OJK Regulation (POJK) No. 33/POJK.04/2014 dated
tentang Direksi dan Dewan Komisaris Emiten atau December 8, 2014 concerning the Board of Directors
perusahaan publik. and Board of Commissioners of Issuers or Public
Companies.
d. POJK No. 46/POJK.03/2017 tanggal 12 Juli 2017 d. OJK Regulation No. 46/POJK.03/2017 dated July 12,
tentang pelaksanaan Fungsi Kepatuhan Bank Umum. 2017 concerning the Implementation of Compliance
Function for Commercial Banks.
e. POJK No. 18/POJK.03/2016 tanggal 16 Maret 2016 e. OJK Regulation No. 18/POJK.03/2016 dated March
tentang Penerapan Manajemen Risiko Bagi Bank 16, 2016 concerning the Implementation of Risk
Umum. Management for Commercial Banks.
f. Anggaran Dasar PT Bank Pembangunan Daerah Banten f. The current Articles of Association of PT Bank
(Perseroda) Tbk yang berlaku saat ini dan perubahan- Pembangunan Daerah Banten (Perseroda) Tbk and its
perubahannya. amendments.
g. Surat Keputusan Direksi No. 139/SK/DIR-BB/IV/21 g. Board of Directors Decree No. 139/SK/DIR-BB/IV/21
tanggal 30 April 2021 tentang Struktur Organisasi PT dated April 30, 2021 concerning the Organizational
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank Pembangunan Daerah Banten (Perseroda) Tbk. Structure of PT Bank Pembangunan Daerah Banten
(Perseroda) Tbk.
h. Surat Keputusan Direksi No. 1.074/SK/DIR-BB/VIII/2024 h. Board of Directors Decree No. 1.074/SK/DIR-BB/
tanggal 12 Agustus 2024. VIII/2024 dated August 12, 2024.
2025 Annual Report & Sustainability Report 283
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PEDOMAN KOMITE MANAJEMEN ASET DAN ALCO COMMITTEE GUIDELINES
KEWAJIBAN
Perseroan telah menetapkan pedoman kerja Komite The Company has established the Asset and Liability
Manajemen Aset dan Kewajiban berdasarkan ketentuan Management Committee work guidelines in accordance
yang berlaku. Pedoman tersebut digunakan sebagai acuan with prevailing regulations. These guidelines serve as
dalam melaksanakan tugas dan tanggung jawabnya. a reference for carrying out the committee’s duties and
responsibilities.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE ASSET
MANAJEMEN ASET DAN KEWAJIBAN AND LIABILITY MANAGEMENT COMMITTEE
Komite Manajemen Aset dan Kewajiban memiliki tugas dan The Asset and Liability Management Committee has the
tanggung jawab sebagai berikut: following duties and responsibilities:
1. Komite Asset & Liabilities (ALCO) adalah komite tetap 1. The Asset and Liability Management Committee (ALCO)
di bawah Direksi yang bertugas menetapkan kebijakan is a permanent committee under the Board of Directors,
dan strategi pengelolaan aset dan liabilitas perusahaan responsible for establishing policies and strategies for
(Asset & Liabilities Management). the management of the company’s assets and liabilities
(Asset and Liability Management).
2. Menyusun dan meninjau kebijakan serta strategi 2. Develop and review policies and strategies for liquidity
pengelolaan likuiditas guna memastikan kecukupan management to ensure adequate liquidity in accordance
likuiditas sesuai ketentuan, memenuhi kebutuhan with regulations, fulfill funding needs including
pendanaan, termasuk dana darurat, serta emergency funds, and optimize the use of funds to
mengoptimalkan penggunaan dana untuk menghindari avoid idle resources.
idle funds.
3. Merumuskan dan mengevaluasi kebijakan serta strategi 3. Formulate and evaluate policies and strategies related
terkait risiko pasar, termasuk risiko suku bunga dan to market risk, including interest rate risk and foreign
risiko valuta asing exchange risk.
4. Menetapkan serta meninjau kebijakan dan strategi 4. Establish and review pricing policies and strategies for
penetapan harga (pricing policy) untuk produk dana, funding products, loans, and inter-office accounts.
pinjaman, dan rekening antar kantor.
5. Menyusun serta mengevaluasi kebijakan dan strategi 5. Develop and evaluate policies and strategies for
dalam pengelolaan portofolio investasi. investment portfolio management.
6. Menentukan dan meninjau kebijakan serta strategi 6. Determine and review policies and strategies for
dalam pengelolaan struktur neraca, dengan balance sheet structure management, taking into
mempertimbangkan perubahan suku bunga guna account interest rate changes to optimize Net Interest
mengoptimalkan Net Interest Margin (NIM). Margin (NIM).
7. Memberikan saran kepada sekretaris ALCO dalam 7. Provide input to the ALCO secretary in preparing
penyusunan agenda serta materi rapat. meeting agendas and materials.
8. Menyampaikan informasi dan analisis dalam rapat 8. Present information and analysis in ALCO meetings,
ALCO, yang mencakup: including:
• Metode penetapan harga untuk produk dana dan ∙ Pricing methodologies for funding and lending
pinjaman. products.
• Teknik pengukuran risiko likuiditas, risiko suku ∙ Techniques for measuring liquidity, interest rate, and
bunga, serta risiko valuta asing. foreign exchange risks.
• Strategi penentuan harga produk dana dan pinjaman. ∙ Strategies for determining the pricing of funding and
lending products.
• Analisis daya saing suku bunga untuk produk dana ∙ Competitive interest rate analysis for funding and
dan pinjaman. lending products.
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• Tinjauan strategi yang diterapkan oleh bank pesaing. ∙ Review of strategies implemented by competitor
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
banks.
• Tantangan dalam implementasi keputusan ALCO. ∙ Challenges in implementing ALCO decisions.
• Perubahan perilaku nasabah serta dampaknya ∙ Changes in customer behavior and their impact on
terhadap kebijakan bank. bank policies.
9. Setiap anggota tetap diwajibkan untuk menghadiri rapat 9. All permanent members are required to attend ALCO
ALCO yang diselenggarakan. Apabila Kepala Divisi meetings. If a Division Head is unable to attend, a
berhalangan hadir, maka harus mengirimkan perwakilan representative must be sent as a substitute.
sebagai penggantinya.
10. Anggota tidak tetap diwajibkan hadir dalam rapat ALCO 10. Non-permanent members are required to attend ALCO
apabila diperlukan. meetings as needed.
KOMPOSISI KOMITE MANAJEMEN ASET DAN COMPOSITION OF THE ASSET AND LIABILITY
KEWAJIBAN MANAGEMENT COMMITTEE
Ketua / Head Direktur Utama / President Director
Sekretaris / Kepala yang Membawahi Bidang Treasury / Head of Treasury Division
Secretary
Anggota / Member Tetap, terdiri dari / Permanent members consist of:
Direktur Bisnis, Direktur Operasional, Direktur Kepatuhan, Kepala Divisi yang membidangi Dana & Jasa,
Kepala Divisi Kredit, Kepala Divisi Perencanaan, Akuntansi & Keuangan dan Kepala Divisi Manajemen Risiko.
/ Director of Business, Director of Operations, Director of Compliance, Head of Funds & Services Division, Head
of Credit Division, Head of Planning, Accounting & Finance Division, and Head of Risk Management Division.
Tidak Tetap, terdiri dari / Non-permanent members consist of:
Kepala Divisi Sekretariat Perusahaan dan Hukum, Kepala Divisi Kepatuhan, Kepala Divisi Operasional, Kredit
& Jasa, Kepala Divisi Operasional, Jasa dan Layanan, Kepala Divisi Human Capital, Kepala yang membawahi
bidang Penyelamatan dan Penyelesaian Kredit. / Head of Corporate Secretariat and Legal Division, Head
of Compliance Division, Head of Operations, Credit & Services Division, Head of Operations, Services and
Customer Relations Division, Head of Human Capital Division, and Head of Credit Recovery and Settlement
Division.
RAPAT KOMITE MANAJEMEN ASET DAN ASSET AND LIABILITY MANAGEMENT COMMITTEE
KEWAJIBAN MEETINGS
Rapat ALCO diselenggarakan setidaknya satu kali dalam ALCO meetings are held at least once a month or as needed
sebulan atau sesuai kebutuhan berdasarkan keputusan based on the decision of the Board of Directors in certain
Direksi dalam situasi tertentu. Rapat ALCO dianggap sah situations. An ALCO meeting is considered valid if attended
apabila dihadiri oleh setidaknya 51% dari jumlah anggota by at least 51% of the permanent members. Decisions
tetap. Keputusan dibuat berdasarkan musyawarah untuk are made by deliberation to reach consensus regarding
mencapai mufakat terkait usulan atau penyelesaian proposals or the resolution of issues related to business
permasalahan yang berhubungan dengan kondisi bisnis conditions and the management of the bank’s assets and
serta pengelolaan aset dan liabilitas bank. Jika mufakat liabilities. If consensus cannot be reached, decisions will be
tidak tercapai, maka keputusan akan diambil melalui voting. made by voting. All ALCO members present have voting
Semua anggota ALCO yang hadir memiliki hak suara, rights, except for the Director and Division Head responsible
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
kecuali Direktur dan Kepala Divisi yang bertanggung jawab for the compliance function. The meeting minutes must be
atas fungsi kepatuhan. Hasil rapat harus dicatat dalam recorded by the secretary, signed by the ALCO Chairperson,
risalah rapat oleh notulis, ditandatangani oleh Ketua ALCO, and filed by the ALCO Secretary.
dan didokumentasikan oleh Sekretaris ALCO.
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Di sepanjang tahun 2025, Komite Manajemen Aset dan Throughout 2025, the Asset and Liability Management
Kewajiban telah melaksanakan rapat sebanyak 12 (dua Committee held a total of 12 (twelve) meetings.
belas) kali rapat.
Tabel Agenda Rapat Komite Manajemen Aset dan Table of the Asset and Liability Management
Kewajiban Tahun 2025 Committee Meeting Agenda in 2025
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 14 Januari 2025 / SBDK & SBK Januari 2025, penurunan Bunga Antar Kantor berlaku 1 Februari 2025 / SBDK & SBK
January 14, 2025 January 2025; reduction of Inter-Office Interest Rate effective February 1, 2025.
2 14 Februari 2025 / SBDK & SBK Februari 2025, Penurunan Spesial rate untuk Deposito jangka waktu 3 sd 6 Bulan efektif
February 14, 2025 1 Maret 2025 / SBDK & SBK February 2025; reduction of Special Rate for Deposits with tenors of 3 to
6 months, effective March 1, 2025.
3 14 Maret 2025 / SBDK & SBK Maret 2025 , Perubahan kewenangan pemberian Spesial rate Tabungan dan Giro Bank
March 14, 2025 / SBDK & SBK March 2025; amendment to the authority for granting Special Rates on Bank Savings
and Current Accounts.
4 22 April 2025 / SBDK & SBK April 2025
April 22, 2025
5 14 Mei 2025 / SBDK & SBK Mei 2025 / SBDK & SBK May 2025.
May 14, 2025
6 19 Juni 2025 / SBDK & SBK Juni 2025 / SBDK & SBK June 2025.
June 19, 2025
7 24 Juli 2025 / SBDK & SBK Juli 2025 / SBDK & SBK July 2025.
July 24, 2025
8 25 Agustus 2025 / SBDK & SBK Agustus 2025 , kerja sama Reciprocal dengan Asset Manajemen, Penurunan Spesial
August 25, 2025 rate dan Program DOC Jawara On Call / SBDK & SBK August 2025; Reciprocal Cooperation with
Asset Management, reduction of Special Rate, and the DOC Jawara On Call Program.
9 19 September 2025 / SBDK & SBK September 2025
September 19, 2025
10 23 Oktober 2025 / SBDK & SBK Oktober 2025, Penurunan spesial rate deposito Bank kewenangan kepala cabang /
October 23, 2025 SBDK & SBK October 2025; reduction of Deposit Special Rate under the authority of Branch Heads.
11 20 November 2025 / SBDK & SBK November 2025
November 20, 2025
12 30 Desember 2025 / SBDK & SBK Desember 2025 SBDK & SBK December 2025.
December 30, 2025
PELAKSANAAN TUGAS KOMITE MANAJEMEN ASET IMPLEMENTATION OF ASSET AND LIABILITY
DAN KEWAJIBAN 2025 MANAGEMENT COMMITTEE DUTIES IN 2025
Di tahun 2025, Komite Manajemen Aset dan Kewajiban In 2025, the Asset and Liability Management Committee
telah melaksanakan tugas dan tanggung jawab sebagai performed the following duties and responsibilities:
berikut:
1. Melaksanakan Rapat ALCO setiap bulan. 1. Conducting ALCO Meetings on a monthly basis.
2. Menetapkan SBDK & SBK setiap bulan 2. Determining the SBDK & SBK on a monthly basis.
PENGEMBANGAN KOMPETENSI KOMITE ASSET ASSET AND LIABILITY MANAGEMENT COMMITTEE
DAN LIABILITAS COMPETENCY DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan On a regular basis, Bank Banten provides opportunities
kepada seluruh insan Perusahaan untuk ikut serta dan for all personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. Ya/ programs. There was/was no participation of the Asset
tidak terdapat keikutsertaan Komite Manajemen Aset dan and Liability Management Committee in competency
Kewajiban dalam program kompetensi di tahun 2025 di development programs in 2025, including:
antaranya:
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Tabel Pengembangan Kompetensi Komite Manajemen Table of Competency Development of the Asset and
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Aset dan Kewajiban Tahun 2025 Liability Management Committee in 2025
Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Bambang Direktur Bisnis / Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 /
Widyatmoko Business Director Workshop: Solid Business — Bank Banten Rising Januari 30, 2025
Sertifikasi Treasury Jenjang 7 / Treasury Certification — Level 7 22-23 Mei 2025 / May
22-23, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vii 4 Juli 2025 / July 4,
Direksi / Refresher Course for Risk Management Certification — 2025
Qualification Level VII for the Board of Directors
Seminar BPDSI : Penguatan BPDSI dalam Implementasi Siskeudes 6-8 Agustus 2025 /
/ BPDSI Seminar: Strengthening BPDSI in the Implementation of August 6-8, 2025
Siskeudes
Rodi Judo Direktur Operasional Workshop BPD Go Digital / BPD Go Digital Workshop 23 Januari 2025 /
Dahono / DahonoOperations January 23, 2025
Director
Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 /
Workshop: Solid Business — Bank Banten Rising January 30, 2025
Seniar DCC 2025 : Strengthing Data Security In The Era Of Evolving 7-9 Mei 2025 / May
Cyber Threats / DCC Seminar 2025: Strengthening Data Security in 7–9, 2025
the Era of Evolving Cyber Threats
Training Pashield 10K / Payshield 10K Training 16-17 Mei 2025 / May
16–17, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi VII 4 Juli 2025 / July 4,
Direksi / Refresher Course for Risk Management Certification — 2025
Qualification Level VII for the Board of Directors
Workshop Digital Resillienece In Action : Elevating Network And 6-8 Agustus 2025 /
Security Excellence / Workshop on Digital Resilience in Action: August 6–8, 2025
Elevating Network and Security Excellence
Eko Virgianto Direktur Kepatuhan / Seminar Roadmap Penguatan BPD 2024-2027 / Seminar on the 20-21 Agustus 2025 /
Compliance Director Roadmap for the Strengthening of BPD 2024–2027 August 20–21, 2025
FGD Banking In The AI Era / Focus Group Discussion (FGD): 23-25 Februari 2025
Banking in the AI Era / February 23–25,
2025
Seminar Program Eksekutif BPD Implementasi GRC & Perlindungan 25-26 September
Hukum Direksi Serta Komisaris / BPD Executive Program Seminar: 2025 / September
Implementation of GRC & Legal Protection for Directors and 25–26, 2025
Commissioners
Seminar FKDKP : Memahami Pentingnya Integritas Dalam 16 Oktober 2025 /
Pengelolaan Lembaga Keuangan / FKDKP Seminar: Understanding October 16, 2025
the Importance of Integrity in the Management of Financial
Institutions
I Gusti Ayu Kepala Divisi Dana Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 /
Nyoman Rai & Jasa / Head of Workshop: Solid Business — Bank Banten Rising January 30, 2025
Funds & Services
Undangan Sosialisasi Pengisian Goal Setting / Dissemination on 11 Februari 2025 /
Division
Goal Setting Completion February 11, 2025
Training Penerapan Program Apu-Ppt & Pengendalian Gratifikasi 29 April 2025 / April
Batch 1 / Training on the Implementation of the APU-PPT Program 29, 2025
& Gratification Control — Batch 1
Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) / 22 Mei 2025 / May
Dissemination on Information Security Management System (ISMS) 22, 2025
Seminar BPDSI : Penguatan Bpdsi Dalam Implementasi Siskeudes 6-8 Agustus 2025 /
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
/ BPDSI Seminar: Strengthening BPDSI in the Implementation of August 6–8, 2025
Siskeudes
Sosialisasi Memorandum Prosedur No. 150/Mp/Dir-Bb/Ix/2025 / 26 September 2025 /
Dissemination on Memorandum of Procedure No. 150/MP/DIR-BB/ September 26, 2025
IX/2025
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk 14 Agustus 2025 /
Management Re-Certification — Level 5, Batch 2 August 14, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 17-18 Oktober 2025 /
/ Service & Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti 15 Oktober 2025 /
Penyuapan (SMAP) Batch V / Anti-Fraud Awareness & Anti-Bribery October 15, 2025
Management System (SMAP) Training — Batch V
2025 Annual Report & Sustainability Report 287
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Muh Muis Kepala Divisi Kredit Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 /
Suhaeri / Head of Credit Workshop: Solid Business — Bank Banten Rising January 30, 2025
Division
Resertifikasi Manajemen Risiko Jenjang 5 Batch 1 / Risk 25 April 2025 / April
Management Re-Certification — Level 5, Batch 1 25, 2025
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk 14 Agustus 2025 /
Management Re-Certification — Level 5, Batch 2 August 14, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 17-18 Oktober 2025 /
/ Service & Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti 15 Oktober 2025 /
Penyuapan (Smap) Batch V / Anti-Fraud Awareness & Anti-Bribery October 15, 2025
Management System (SMAP) Training — Batch V
Purbaji Basuki Kepala divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 /
Perencanaan Workshop: Solid Business — Bank Banten Rising January 30, 2025
Akuntansi &
Training Pashield 10K / Payshield 10K Training 16-17 Mei 2025 / May
Keuangan /
16–17, 2025
BasukiHead of
Planning, Accounting Training Service & Budaya : Reenergize Culture Bank Banten 2025 17-18 Oktober 2025 /
& Finance Division / Service & Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Harsha Kepala Divisi Worshop Forum Cyber BPDSI / BPDSI Cyber Forum Workshop 22 Mei 2025 / May
Indradewa Manajemen Risiko 22, 2025
/ Head of Risk
Workshop Teknis Penyusunan Laporan Crms OJK Bagi Bpdsi / 2-3 Juni 2025 / June
Management
Technical Workshop on the Preparation of OJK CRMS Reports for 2–3, 2025
Division
BPDSI
Workshop Implementasi Sinergitas Bidang Manajemen Risiko Dan 22-23 September
Tata Kelola Dalam Lingkup KUB / Workshop on the Implementation 2025 / September
of Synergy in Risk Management and Governance within the KUB 22–23, 2025
Framework
Training Service & Budaya : Reenergize Culture Bank Banten 2025 17-18 Oktober 2025 /
/ Service & Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Seminar FKDKP : Memahami Pentingnya Integritas Dalam 16 Oktober 2025 /
Pengelolaan Lembaga Keuangan / FKDKP Seminar: Understanding October 16, 2025
the Importance of Integrity in the Management of Financial
Institutions
Workshop BPD Go Digital : Compliance & Innovation / BPD Go 13 November 2025 /
Digital Workshop: Compliance & Innovation November 13, 2025
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
DASAR HUKUM KOMITE MANAJEMEN RISIKO LEGAL BASIS OF THE RISK MANAGEMENT
COMMITTEE
Pembentukan Komite Manajemen Risiko berdasarkan The establishment of the Risk Management Committee is
ketentuan sebagai berikut: based on the following regulations:
1. Undang-Undang No.7 tahun 1992 tentang Perbankan 1. Law No. 7 of 1992 concerning Banking, as amended by
sebagaimana telah diubah dengan Undang-Undang Law No. 10 of 1998 concerning Banking.
No.10 tahun 1998 tentang Perbankan.
2. POJK No. 18/ POJK.03/2016 tanggal 16 Maret 2016 2. POJK No. 18/POJK.03/2016 dated March 16, 2016,
tentang Penerapan Manajemen Risiko Bagi Bank concerning the Implementation of Risk Management for
Umum. Commercial Banks.
3. POJK No. 46/POJK.03/2017 tanggal 12 Juli 2017 3. POJK No. 46/POJK.03/2017 dated July 12, 2017,
tentang pelaksanaan Fungsi Kepatuhan Bank Umum. concerning the Implementation of the Compliance
Function for Commercial Banks.
4. POJK No. 17 Tahun 2023 tanggal 14 September 2023 4. POJK No. 17 of 2023 dated September 14, 2023,
tentang Penerapan Tata Kelola Bagi Bank Umum. concerning the Implementation of Governance for
Commercial Banks.
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5. Anggaran Dasar PT Bank Pembangunan Daerah Banten 5. The prevailing Articles of Association of PT Bank
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
(Perseroda) Tbk yang berlaku saat ini dan perubahan- Pembangunan Daerah Banten (Perseroda) Tbk and its
perubahannya. amendments.
6. Board of Directors Decree No. 481/SK/DIR-BB/VIII/2023
6. Surat Keputusan Direksi No. 481/SK/DIR-BB/VIII/2023 dated August 30, 2023, concerning the Organizational
tanggal 30 Agustus 2023 tentang Struktur Organisasi Structure of PT Bank Pembangunan Daerah Banten
PT Bank Pembangunan Daerah Banten (Perseroda) (Perseroda) Tbk.
Tbk. 7. Board of Directors Decree No. 1045/SK/DIR-BB/
7. Surat Keputusan Direksi No. 1045/SK/DIR-BB/VII/2024 VII/2024 dated July 5, 2024, concerning the Guidelines
tanggal 05 Juli 2024 tentang Pedoman dan Tata Tertib and Rules of Procedure for the Risk Management
Komite Manajemen Risiko. Committee.
PEDOMAN KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE GUIDELINES
Perseroan telah menetapkan pedoman dan tata tertib kerja The Company has established the Risk Management
Komite Manajemen Risiko berdasarkan ketentuan yang Committee code of conduct in accordance with applicable
berlaku. Pedoman tersebut digunakan sebagai acuan regulations. These guidelines serve as a reference for
dalam melaksanakan tugas dan tanggung jawabnya. carrying out the committee’s duties and responsibilities.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE RISK
MANAJEMEN RISIKO MANAGEMENT COMMITTEE
Komite Manajemen Risiko memiliki tugas dan tanggung The Risk Management Committee has the following duties
jawab sebagai berikut: and responsibilities:
1. Penyusunan kebijakan dan perubahannya, strategi dan 1. Formulating risk management policies and their
pedoman penerapan manajemen risiko. amendments, as well as strategies and guidelines for
risk management implementation.
2. Perbaikan dan penyempurnaan pelaksanaan 2. Improving and refining risk management implementation
manajemen risiko berdasarkan hasil evaluasi based on the results of risk management evaluations.
pelaksanaan manajemen risiko.
3. Melakukan evaluasi dan menetapkan limit risiko (Risk 3. Evaluating and setting risk limits (Risk Appetite and Risk
Appetite dan Risk Tolerance) untuk ditetapkan oleh Tolerance) to be determined by the Board of Directors.
Direksi.
4. Penetapan hal-hal yang terkait dengan keputusan bisnis 4. Making decisions on business matters that deviate from
yang menyimpang dari prosedur normal. normal procedures.
5. Memperoleh data informasi dari Audit Intern mengenai 5. Obtaining information from Internal Audit regarding
hasil audit internal. internal audit results.
6. Merumuskan kebijakan, arah, dan strategi penerapan 6. Formulating policies, direction, and strategies for risk
manajemen risiko. management implementation.
7. Mengawasi optimasi penerapan manajemen risiko. 7. Overseeing the optimization of risk management
implementation.
8. Merumuskan langkah-langkah yang diambil apabila 8. Formulating actions to be taken in the event of obstacles
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
terdapat kendala dalam penerapan manajemen risiko. in risk management implementation.
9. Melakukan kajian berkala terhadap kebijakan 9. Conducting periodic reviews of the bank’s risk
manajemen risiko bank dan memberikan saran-saran management policies and providing recommendations
langkah perbaikan. for improvement.
10. Memberikan masukan kepada Direksi terkait penetapan 10. Providing input to the Board of Directors regarding the
limit risiko masing-masing aktivitas fungsional. determination of risk limits for each functional activity.
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KOMPOSISI KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE COMPOSITION
Ketua / Head Direktur Kepatuhan / Director of Compliance
Sekretaris / Kepala Divisi Manajemen Risiko / Head of the Risk Management Division
Secretary
Anggota / Members Direktur Utama, Direktur Bisnis, Direktur Operasional, Kepala Divisi Kepatuhan, Kepala Divisi Audit Internal,
Kepala Divisi Dana dan Jasa, Kepala Divisi Operasional, Jasa dan Layanan, Kepala Divisi Human Capital,
Kepala Divisi Perencanaan Akuntansi & Keuangan, Kepala Divisi Teknologi Informasi, Kepala Divisi Sekretariat
Perusahaan dan Hukum, Unit Kerja Khusus Treasury, Divisi Pengembangan Bisnis, Unit Kerja Khusus Umum..
/ President Director, Director of Business, Director of Operations, Head of Compliance Division, Head of
Internal Audit Division, Head of Funds and Services Division, Head of Operations, Services and Customer
Relations Division, Head of Human Capital Division, Head of Planning, Accounting & Finance Division, Head of
Information Technology Division, Head of Corporate Secretariat and Legal Division, and Special Treasury Unit,
Business Development Division, General Special Work Unit..
RAPAT KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE MEETINGS
Di sepanjang tahun 2025, Komite Manajemen Risiko telah Throughout 2025, the Risk Management Committee held a
melaksanakan rapat sebanyak 5 (lima) kali rapat. total of 5 (five) meetings.
Tabel Agenda Rapat Komite Manajemen Risiko Tahun Table of the Risk Management Committee Meeting
2025 Agenda in 2025
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 27 Agustus 2025 / Presentasi Hasil Stress test Climate Risk yang akan di submit ke OJK / Presentation of Climate Risk
August 27, 2025 Stress Test Results to be submitted to OJK
2 22 Oktober 2025 / Pembahasan Profil Risiko Triwulan III Tahun 2025 / Risk Profile Discussion for the Third Quarter of
October 22, 2025 2025
3 09 Desember 2025 / Pembahasan SEOJK Internal Liquidity Adequacy Assessment Process (ILAAP) / Discussion of the
December 9, 2025 SEOJK Internal Liquidity Adequacy Assessment Process (ILAAP)
4 19 Desember 2025 / Pembahasan Rencana Kerja Divisi Manajemen Risiko Tahun 2026 / Discussion of the Risk Management
December 19, 2025 Division's Work Plan for 2026
5 23 Desember 2025 / Pembahasan Risk Appetite dan Risk Tolerance / Discussion of Risk Appetite and Risk Tolerance
December 23, 2025
PELAKSANAAN TUGAS KOMITE MANAJEMEN IMPLEMENTATION OF RISK MANAGEMENT
RISIKO 2025 COMMITTEE DUTIES IN 2025
Di tahun 2025, Komite Manajemen Risiko telah In 2025, the Risk Management Committee carried out its
melaksanakan tugas dan tanggung jawab dengan fokus duties and responsibilities with a focus on strategies for
agenda mencakup strategi perbaikan dalam pengelolaan improving risk management and enhancing the Bank’s
risiko serta peningkatan Tingkat Kesehatan Bank, dengan Soundness Level. The agenda covered eight risk categories,
mencakup delapan kategori risiko, termasuk risiko kredit, including credit risk, operational risk, compliance risk, and
risiko operasional, risiko kepatuhan, dan risiko strategis. strategic risk.
PENGEMBANGAN KOMPETENSI KOMITE RISK MANAGEMENT COMMITTEE COMPETENCY
MANAJEMEN RISIKO 2025 DEVELOPMENT IN 2025
Secara berkala, Bank Banten memberikan kesempatan On a regular basis, Bank Banten provides opportunities
kepada seluruh insan Perusahaan untuk ikut serta dan for all personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. Ya/ programs. There was participation of the Risk Management
tidak terdapat keikutsertaan Komite Manajemen Risiko Committee in competency development programs in 2025,
dalam program kompetensi di tahun 2025 di antaranya: including:
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Tabel Pengembangan Kompetensi Komite Manajemen Table of the Risk Management Committee Competency
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Risiko Tahun 2025 Development Programs in 2025
Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Muhammad Direktur Utama / Workshop Business: Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Busthami President Director Solid Business — Bank Banten Rising January 30, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vii Direksi / 4 Juli 2025 / July 4, 2025
Refresher Course for Risk Management Certification — Qualification Level VII
for the Board of Directors
Seminar Penguatan Bpdsi Dalam Implementasi Siskeudes / Seminar on 6-8 Agustus 2025 /
Strengthening BPDSI in the Implementation of Siskeudes August 6-8, 2025
CEO BPD Forum 2025 : Membangun Ketahanan BPD Dari Farud Dan Ancaman 23 Oktober 2025 /
Siber Dunia Perbankan / CEO BPD Forum 2025: Building BPD Resilience October 23, 2025
Against Fraud and Cyber Threats in the Banking World
Bambang Direktur Bisnis / Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Widyatmoko Business Director Solid Business — Bank Banten Rising January 30, 2025
Sertifikasi Treasury Jenjang 7 / Treasury Certification — Level 7 22-23 Mei 2025 / May
22-23, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi VII Direksi / 04 Juli 2025 / July 4,
Refresher Course for Risk Management Certification — Qualification Level VII 2025
for the Board of Directors
Seminar BPDSI : Penguatan Bpdsi Dalam Implementasi Siskeudes / BPDSI 6-8 Agustus 2025 /
Seminar: Strengthening BPDSI in the Implementation of Siskeudes August 6–8, 2025
Rodi Judo Dahono Direktur Workshop BPD Go Digital / BPD Go Digital Workshop 23 Januari 2025 /
Operasional / January 23, 2025
Operations Director
Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Solid Business — Bank Banten Rising January 30, 2025
Seniar Dcc 2025 : Strengthing Data Security In The Era Of Evolving Cyber 7-9 Mei 2025 / May 7–9,
Threats / DCC Seminar 2025: Strengthening Data Security in the Era of Evolving 2025
Cyber Threats
Training Pashield 10K / Payshield 10K Training 16-17 Mei 2025 / May
16–17, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi VII Direksi / 4 Juli 2025 / July 4, 2025
Refresher Course for Risk Management Certification — Qualification Level VII
for the Board of Directors
Workshop Digital Resillienece In Action : Elevating Network And Security 6-8 Agustus 2025 /
Excellence / Workshop on Digital Resilience in Action: Elevating Network and August 6–8, 2025
Security Excellence
Herliana Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Kepatuhan / Head Solid Business — Bank Banten Rising January 30, 2025
of Compliance
Division Sosialisasi Kewajiban Penyampaian Laporan Penilaian Sendiri dan Pengkinian 13 Februari 2025 /
Data Pokok Bank / Dissemination on the Obligation to Submit Self-Assessment February 13, 2025
Reports and Update of Bank Core Data
Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Completion February 11, 2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16-17 Mei 2025 / May
Internal Auditor / SO 37001:2016 Anti-Bribery Management System Awareness 16–17, 2025
and Internal Auditor Training
Webinar Strategi Aman Transaksi Asept Kripto Dan Keuangan Digital : 19 Juni 2025 / June 19,
Perlindungan Data Pribadi Dampak Teknologi Biometrik Di Indonesia / Webinar: 20 25
Safe Strategies for Crypto Asset Transactions and Digital Finance — Personal
Data Protection and the Impact of Biometric Technology in Indonesi
Self Assessement SEOJK No 14seojk.032025 / Self-Assessment on OJK 3-4 September 2025 /
Circular Letter No. 14/SEOJK.03/2025 September 3–4, 2025
Workshop Implementasi Sinergitas Bidang Manajemen Risiko Dan Tata Kelola 22 September 2025 /
Dalam Lingkup Kub / Workshop on the Implementation of Synergy in Risk September 22, 2025
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Management and Governance within the KUB Framework
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17-18 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refresher Course for Risk 9 Oktober 2025 /
Management Certification — Level 5 October 9, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (Smap) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
Sosialisasi Lhpk Ap & Fmi Serta Kpdhn Tahun 2025 / Dissemination on LHPK AP 27 November 2025 /
& FMI and KPDHN for the Year 2025 November 27, 2025
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Dewi Noorirdawati Kepala Divisi Audit Workshop & Koordinasi Satuan Pengawasan Internal Bumd Wilayah Provinsi 16 Januari 2025 /
Internal / Head Banten 2025 / Workshop & Coordination of the Internal Supervisory Unit of January 16, 2025
of Internal Audit Regional-Owned
Division
Sertifikasi Audit Internal Level Supervisor / Internal Audit Certification — 17 Januari 2025 /
Supervisor Level January 17, 2025
Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Completion February 11, 2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16-17 Mei 2025 / May
Internal Auditor / ISO 37001:2016 Anti-Bribery Management System Awareness 16–17, 2025
and Internal Auditor Training
Sosialisasi Petunjuk Teknis Pembebanan Biaya / Dissemination on Technical 25 Juni 2025 / June 25,
Guidelines for Cost Charging 2025
Pelatihan Anti Korupsi bagi BUMD Klaster Bank Daerah Tahun 2025 / Anti- 23-26 September 2025 /
Corruption Training for Regional-Owned Enterprises (BUMD) — Regional Bank September 23–26, 2025
Cluster 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17-18 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
CEO BPD Forum 2025 : Membangun Ketahananbpd dari Farud dan Ancaman 23 September 2025 /
Siber Dunia Perbankan / CEO BPD Forum 2025: Building BPD Resilience September 23, 2025
Against Fraud and Cyber Threats in the Banking World
Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refresher Course for Risk 09 Oktober 2025 /
Management Certification — Level 5 October 9, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (Smap) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
Sosialisasi LHPK AP & FMI serta KPDHN Tahun 2025 / Dissemination on LHPK 27 Novemebr 2025 /
AP & FMI and KPDHN for the Year 2025 November 27, 2025
Muh Muis Suhaeri Kepala Divisi Kredit Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
/ Head of Credit Solid Business — Bank Banten Rising January 30, 2025
Division
Resertifikasi Manajemen Risiko Jenjang 5 Batch 1 / Risk Management Re- 25 April 2025 / April 25,
Certification — Level 5, Batch 1 2025
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management Re- 14 Agustus 2025 /
Certification — Level 5, Batch 2 August 14, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17-18 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (Smap) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
I Gusti Ayu Nyoman Kepala Divisi Dana Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Rai & Jasa / Head of Solid Business — Bank Banten Rising January 30, 2025
Funds & Services
Division Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Completion February 11, 2025
Training Penerapan Program Apu-Ppt & Pengendalian Gratifikasi Batch 1 / 29 April 2025 / April 29,
Training on the Implementation of the APU-PPT Program & Gratification Control 2025
— Batch 1
Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) / Dissemination on 22 Mei 2025 / May 22,
Information Security Management System (ISMS) 2025
Seminar BPDSI : Penguatan Bpdsi Dalam Implementasi Siskeudes / BPDSI 6-8 Agustus 2025 /
Seminar: Strengthening BPDSI in the Implementation of Siskeudes August 6–8, 2025
Sosialisasi Memoranjum Prosedur No. 150/Mp/Dir-Bb/Ix/2025 / Dissemination on 26 September 2025 /
Memorandum of Procedure No. 150/MP/DIR-BB/IX/2025 September 26, 2025
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management Re- 14 Agustus 2025 /
Certification — Level 5, Batch 2 August 14, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17-18 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17–18, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (Smap) 15 Otober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Mugihadi Usman Kepala UKK Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 30 Januari 2025 /
Treasury / Head of Completion January 30, 2025
Treasury Work Unit
Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) / Dissemination on 11 Februari 2025 /
Information Security Management System (ISMS) February 11, 2025
Sosialisasi Sop Fasilitas Kredit Karyawan / Dissemination on Employee Credit 22 Mei 2025 / May 22,
Facility SOP 2025
Sosialisasi Petunjuk Teknis Pembebanan Biaya / Dissemination on Technical 20 Mei 2025 / May 20,
Guidelines for Cost Charging 2025
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management Re- 25 Juni 2025 / June 25,
Certification — Level 5, Batch 2 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 14 Agustus 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 August 14, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (Smap) 17-18 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 17–18, 2025
Training — Batch V
Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 15 Oktober 2025 /
Solid Business — Bank Banten Rising October 15, 2025
Rudi Hendrawan Kepala Divisi Training Pashield 10K / Payshield 10K Training 30 Januari 2025 /
Operasional January 30, 2025
Jaringan &
Layanan / Head of Pelatihan, Simulasi Dan Uji Live Penggunaan Fasilitas Guest Bank Sistem Bi- 16 Mei 2025 / May 16,
Operations, Network Rtgs, Bi-Ssss, Sistem Bi-Etp dan Sknbi Bank Indonesia / Training, Simulation, 2025
& Services Division and Live Testing on the Use of Guest Bank Facilities for BI-RTGS, BI-SSSS,
BI-ETP, and SKNBI Systems of Bank Indonesia
Sosialisasi Memoranjum Prosedur No. 150/Mp/Dir-Bb/Ix/2025 / Dissemination on 22 September 2025 /
Memorandum of Procedure No. 150/MP/DIR-BB/IX/2025 September 22, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 26 September 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 September 26, 2025
Bimtek System Integration Test & User Acceptance Testing Tabungan Pajak / 17 Oktober 2025 /
Technical Guidance on System Integration Test & User Acceptance Testing for October 17, 2025
Tax Savings
Ceo Bpd Forum 2025 : Membangun Ketahananbpd Dari Farud Dan Ancaman 22 Oktober 2025 /
Siber Dunia Perbankan / CEO BPD Forum 2025: Building BPD Resilience October 22, 2025
Against Fraud and Cyber Threats in the Banking World
Workshop Evaluasi Layanan Bank Indonesia Fast Payment (Bi-Fast) Tahun 2025 23 Oktober 2025 /
/ Workshop on the Evaluation of Bank Indonesia Fast Payment (BI-Fast) Services October 23, 2025
for the Year 2025
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL Corporate 1 Oktober 2025 /
October 1, 2025
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL Corporate 6 November 2025 /
November 6, 2025
Tb Firman Tauchid Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Human Capital / Solid Business — Bank Banten Rising January 30, 2025
Head of Human
Capital Division Fgd Perizinan dan Penilaian Kemampuan Dan Kepatutan (PKK) Kepengurusan 21 Februari 2025 /
Dan Kepemilikan Bank Umum / Focus Group Discussion (FGD) on Licensing and February 21, 2025
Fit and Proper Assessment (PKK) of Management and Ownership of Commercial
Banks
Sertifikasi Human Resources Level Manager / Human Resources Certification 26 Februari 2025 /
— Manager Level February 26, 2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16 Mei 2025 / May 16,
Internal Auditor / ISO 37001:2016 Anti-Bribery Management System Awareness 2025
and Internal Auditor Training
Sosialisasi Ketenagakerjaan / Labor/Employment Dissemination 26 Agustus 2025 /
August 26, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refresher Course for Risk 9 Oktober 2025 /
Management Certification — Level 5 October 9, 2025
Purbaji Basuki Kepala divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Perencanaan Solid Business — Bank Banten Rising January 30, 2025
Akuntansi &
Keuangan / Training Pashield 10K / Payshield 10K Training 16 Mei 2025 / May 16,
BasukiHead 2025
of Planning, Training Service & Budaya : Reenergize Culture Bank Banten 2025 / ervice & 17 Oktober 2025 /
Accounting & Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Finance Division
2025 Annual Report & Sustainability Report 293
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Donal Feterence Kepala Divisi Workshop BPD Go Digital / BPD Go Digital Workshop 23 Januari 2025 /
Teknologi January 23, 2025
Informasi / Head
of Information Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Technology Division Solid Business — Bank Banten Rising January 30, 2025
Multipolar BPD Forum : Navigating Her Transformation Journey - Cost Efective, 19 Februari 2025 /
Scalable, High-Performance And Secure Digital System / Multipolar BPD Forum: February 19, 2025
Navigating the Transformation Journey — Cost-Effective, Scalable, High-
Performance, and Secure Digital System
Seniar DCC 2025 : Strengthing Data Security In The Era Of Evolving Cyber 7 Mei 2025 / May 7,
Threats / DCC Seminar 2025: Strengthening Data Security in the Era of Evolving 2025
Cyber Threats
Training Pashield 10K / Payshield 10K Training 16 Mei 2025 / May 16,
2025
Worshop Forum Cyber Bpdsi / BPDSI Cyber Forum Workshop 22 Mei 2025 / May 22,
2025
Training Titanium : Course Control Meets Endpoint Control / Titanium Training: 18 Juli 2025 / July 18,
Course Control Meets Endpoint Control 2025
Workshop Digital Resillienece In Action : Elevating Network And Security 6 Agustus 2025 /
Excellence / Workshop on Digital Resilience in Action: Elevating Network and August 6, 2025
Security Excellence
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Bimtek System Integration Test & User Acceptance Testing Tabungan Pajak / 22-Oct-25 / October 22,
Technical Guidance on System Integration Test & User Acceptance Testing for 2025
Tax Savings
Capacity Building Dan Rapat Koordinasi Tp2Dd Se Banten Tahun 2025 / Capacity 10 November 2025 /
Building and Coordination Meeting of TP2DD throughout Banten Province 2025 November 10, 2025
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL Corporate 6 November 2025 /
November 6, 2025
Ferdy Ardian Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Sekretariat Solid Business — Bank Banten Rising January 30, 2025
Perusahaan &
Hukum / Head of Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Corporate Secretary Completion February 11, 2025
& Legal Division Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16 Mei 2025 / May 16,
Internal Auditor / ISO 37001:2016 Anti-Bribery Management System Awareness 2025
and Internal Auditor Training
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
KOMITE PENGARAH SISTEM TEKNOLOGI INFORMATION TECHNOLOGY STEERING
INFORMASI COMMITTEE
DASAR HUKUM KOMITE PENGARAH SISTEM LEGAL BASIS OF THE INFORMATION TECHNOLOGY
TEKNOLOGI INFORMASI STEERING COMMITTEE
Pembentukan Komite Pengarah Sistem Teknologi Informasi The establishment of the Information Technology Steering
berdasarkan ketentuan sebagai berikut: Committee is based on the following regulations:
a. Undang-Undang No.7 tahun 1992 tentang Perbankan a. Law No. 7 of 1992 concerning Banking, as amended by
sebagaimana telah diubah dengan Undang-Undang Law No. 10 of 1998 concerning Banking.
No.10 tahun 1998 tentang Perbankan.
b. POJK No. 17 Tahun 2023 tanggal 14 September 2023 b. OJK Regulation No. 17 of 2023 dated September 14,
tentang Penerapan Tata Kelola Bagi Bank Umum. 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
c. POJK No. 46/POJK.03/2017 tanggal 12 Juli 2017 c. OJK Regulation No. 46/POJK.03/2017 dated July 12,
tentang pelaksanaan Fungsi Kepatuhan Bank Umum. 2017 concerning the Implementation of Compliance
Function for Commercial Banks.
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d. POJK No. 18/ POJK.03/2016 tanggal 16 Maret 2016 d. OJK Regulation No. 18/POJK.03/2016 dated March
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
tentang Penerapan Manajemen Risiko Bagi Bank 16, 2016 concerning the Implementation of Risk
Umum. Management for Commercial Banks.
e. Anggaran Dasar PT Bank Pembangunan Daerah Banten e. The current Articles of Association of PT Bank
(Perseroda) Tbk yang berlaku saat ini dan perubahan- Pembangunan Daerah Banten (Perseroda) Tbk and its
perubahannya. amendments.
f. Surat Keputusan Direksi No. 406/SK/DIR-BB/XII/2025 f. Board of Directors Decree No. 406/SK/DIR-BB/XII/2025
tanggal 24 Desember 2025 tentang Struktur Organisasi dated December 24, 2025 concerning the Organizational
PT Bank Pembangunan Daerah Banten (Perseroda) Structure of PT Bank Pembangunan Daerah Banten
Tbk. (Perseroda) Tbk.
g. Surat Keputusan Direksi No. 964/SK/DIR-BB/V/2024 g. Board of Directors Decree No. 964/SK/DIR-BB/V/2024
tanggal 28 Mei 2024. dated May 28, 2024.
PEDOMAN KOMITE PENGARAH SISTEM TEKNOLOGI INFORMATION TECHNOLOGY STEERING
INFORMASI COMMITTEE GUIDELINES
Perseroan telah menetapkan pedoman kerja Komite The Company has established the work guidelines for the
Pengarah Sistem Teknologi Informasi berdasarkan Information Technology Steering Committee in accordance
ketentuan yang berlaku. Pedoman tersebut digunakan with applicable regulations. These guidelines serve as a
sebagai acuan dalam melaksanakan tugas dan tanggung reference for carrying out its duties and responsibilities.
jawabnya.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE
PENGARAH SISTEM TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY STEERING
COMMITTEE
Komite Pengarah Sistem Teknologi Informasi memiliki The Information Technology Steering Committee has the
tugas dan tanggung jawab sebagai berikut: following duties and responsibilities:
a. Menyusun Rencana Strategis Teknologi Informasi a. Develop the Information Technology Strategic Plan in
yang selaras dengan Rencana Strategis Bank, dengan alignment with the Bank’s Strategic Plan, taking into
mempertimbangkan efektivitas, efisiensi sumber daya, account effectiveness, resource efficiency, and resulting
serta manfaat yang dihasilkan. benefits.
b. Merumuskan kebijakan, standar, dan prosedur utama b. Formulate key policies, standards, and procedures
terkait Teknologi Informasi & Big Data. related to Information Technology and Big Data.
c. Memastikan kesesuaian proyek Teknologi Informasi c. Ensure that approved Information Technology projects
yang disetujui dengan Rencana Strategis Teknologi are consistent with the Information Technology Strategic
Informasi. Plan.
d. Mengawasi keselarasan pelaksanaan proyek Teknologi d. Oversee the alignment of Information Technology
Informasi dengan rencana yang telah disepakati dalam project implementation with the plans set forth in the
project charter. project charter.
e. Memastikan bahwa Teknologi Informasi mendukung e. Ensure that Information Technology supports the needs
kebutuhan sistem informasi manajemen serta of management information systems and the Bank’s
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
operasional bisnis Bank. business operations.
f. Menilai efektivitas langkah-langkah dalam mengelola f. Assess the effectiveness of measures for managing
risiko investasi di sektor Teknologi Informasi agar dapat investment risk in the Information Technology sector
memberikan kontribusi optimal bagi pencapaian target to ensure optimal contribution to the Bank’s business
bisnis Bank. targets.
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g. Memantau dan meningkatkan kinerja Teknologi g. Monitor and continuously improve Information
Informasi secara berkelanjutan. Technology performance.
h. Menyelesaikan berbagai permasalahan Teknologi h. Resolve Information Technology issues that cannot be
Informasi yang tidak dapat diselesaikan oleh unit kerja addressed by user units and IT providers in an effective,
pengguna dan penyelenggara Teknologi Informasi efficient, and timely manner.
dengan cara yang efektif, efisien, dan tepat waktu.
i. Menilai kecukupan serta memastikan alokasi sumber i. Assess the adequacy and ensure the allocation of Bank
daya Bank sesuai dengan kebutuhan. resources according to requirements.
KOMPOSISI KOMITE PENGARAH SISTEM COMPOSITION OF THE INFORMATION
TEKNOLOGI INFORMASI TECHNOLOGY SYSTEM STEERING COMMITTEE
Ketua / Head Direktur Operasional / Director of Operations
Sekretaris / Kepala Divisi Teknologi & Informasi / Head of Technology and Information Division
Secretary
Anggota / Members Direktur Utama, Direktur Operasional, Direktur Bisnis, Kepatuhan, Direktur Kepatuhan dan Seluruh Kepala
Divisi. / President Director, Director of Operations, Director of Business, Director of Compliance, and all Division
Heads.
RAPAT KOMITE PENGARAH SISTEM TEKNOLOGI INFORMATION TECHNOLOGY STEERING
INFORMASI COMMITTEE MEETINGS
Di sepanjang tahun 2025, Komite Pengarah Sistem Throughout 2025, the Information Technology Steering
Teknologi Informasi telah melaksanakan rapat sebanyak 1 Committee held a total of 1 (one) meeting.
(satu) kali rapat.
Tabel Agenda Rapat Komite Pengarah Sistem Teknologi Table of the Information Technology System Steering
Informasi Tahun 2025 Committee Meeting Agenda in 2025
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 29 Oktober 2025 / Rapat IT Steering Committee (ITSC) ke 1 tahun 2025 / 1st IT Steering Committee (ITSC) Meeting of
October 29, 2025 2025
PELAKSANAAN TUGAS KOMITE PENGARAH SISTEM IMPLEMENTATION OF THE DUTIES OF THE
TEKNOLOGI INFORMASI 2025 INFORMATION TECHNOLOGY SYSTEM STEERING
COMMITTEE IN 2025
Di tahun 2025, Komite Pengarah Sistem Teknologi In 2025, the Information Technology System Steering
Informasi telah melaksanakan tugas dan tanggung jawab Committee carried out the following duties and
sebagai berikut: responsibilities:
1. Memastikan rencana strategis teknologi informasi 1) Ensuring that the Information Technology Strategic Plan
(RSTI) yang sejalan dengan rencana strategis Bank, (RSTI) is aligned with the Bank's strategic plan, with due
dengan memperhatikan efektivitas dan efisiensi sumber consideration of the effectiveness and efficiency of the
daya yang dibutuhkan serta manfaat yang diperoleh. required resources as well as the benefits obtained.
2. Perumusan kebijakan, standar, dan prosedur utama 2) Formulating key policies, standards, and procedures in
dalam bidang teknologi informasi untuk memastikan the field of information technology to ensure effective
pengelolaan yang efektif, efisien, serta sesuai dengan and efficient management in accordance with the
kerangka kerja dan regulasi yang berlaku. applicable frameworks and regulations.
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3. Memastikan kesesuaian antara rencana pengembangan 3) Ensuring the alignment between approved Information
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
(proyek) Teknologi Informasi yang disetujui dengan Technology development plans (projects) and the
rencana strategis teknologi informasi (RSTI). Information Technology Strategic Plan (RSTI).
4. Memastikan kesesuaian antara pelaksanaan 4) Ensuring the alignment between the implementation of
pengembangan (proyek) teknologi informasi dengan information technology development (projects) and the
rencana pengembangan (proyek) yang disepakati dan agreed development plans (projects) as stipulated in the
tertuang dalam project charter; project charter.
5. Kesesuaian antara teknologi informasi dengan 5) Ensuring the alignment between information technology
kebutuhan sistem informasi manajemen serta kebutuhan and the needs of the management information system
kegiatan usaha Bank. as well as the operational needs of the Bank's business
activities.
6. Efektivitas langkah-langkah dalam meminimalkan risiko 6) Ensuring the effectiveness of measures to minimize
atas investasi Bank pada sektor teknologi informasi risks associated with the Bank's investments in the
agar investasi Bank pada sektor teknologi informasi information technology sector, so that such investments
memberikan kontribusi terhadap pencapaian tujuan contribute to the achievement of the Bank's business
bisnis Bank. objectives.
7. Pemantauan atas kinerja teknologi informasi dan upaya 7) Monitoring information technology performance and
peningkatan kinerja teknologi informasi. undertaking efforts to improve information technology
performance.
8. Upaya penyelesaian berbagai masalah terkait teknologi 8) Pursuing the resolution of various information
informasi yang tidak dapat diselesaikan oleh satuan technology-related issues that cannot be resolved
kerja pengguna dan penyelenggara Teknologi Informasi effectively, efficiently, and in a timely manner by the
secara efektif, efisien, dan tepat waktu. user work units and the Information Technology provider
units.
9. Memastikan kecukupan dan alokasi sumber daya yang 9) Ensuring the adequacy and allocation of resources
dimiliki Bank. available to the Bank.
10. Evaluasi atas efektivitas biaya Teknologi Informasi 10) Evaluating the cost-effectiveness of Information
terhadap pencapaian manfaat yang direncanakan Technology in relation to the achievement of planned
(Actual Costs, Planned Benefits, Actual Benefits). benefits (Actual Costs, Planned Benefits, Actual
Benefits).
11. Menetapkan proses pemantauan yang teratur terhadap 11) Establishing a regular monitoring process for IT
pengeluaran biaya TI. expenditures.
PENGEMBANGAN KOMPETENSI KOMITE COMPETENCE DEVELOPMENT OF THE
PENGARAH SISTEM TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY SYSTEM STEERING
COMMITTEE
Secara berkala, Bank Banten memberikan kesempatan Bank Banten periodically provides opportunities for
kepada seluruh insan Perusahaan untuk ikut serta dan all Company personnel to participate in competency
terlibat dalam program pengembangan kompetensi. Ya/ development programs. The Information Technology
tidak terdapat keikutsertaan Komite Pengarah Sistem System Steering Committee participated/did not participate
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Teknologi Informasi dalam program kompetensi di tahun in competency development programs in 2025, including:
2025 di antaranya:
2025 Annual Report & Sustainability Report 297
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Tabel Pengembangan Kompetensi Komite Pengarah Table of the Competency Development for the
Sistem Teknologi Informasi Tahun 2025 Information Technology System Steering Committee
in 2025
Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Muhammad Direktur Utama / Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Busthami President Director Solid Business — Bank Banten Rising January 30, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vii Direksi / 4 Juli 2025 / July 4, 2025
Refresher Course for Risk Management Certification — Qualification Level VII
for the Board of Directors
Seminar Penguatan BPDSI Dalam Implementasi Siskeudes / Seminar on 6 Agustus 2025 / August
Strengthening BPDSI in the Implementation of Siskeudes 6, 2025
CEO BPD Forum 2025 : Membangun Ketahanan BPD Dari Fraud dan Ancaman 23 Oktober 2025 /
Siber Dunia Perbankan / CEO BPD Forum 2025: Building BPD Resilience October 23, 205
Against Fraud and Cyber Threats in the Banking World
Bambang Direktur Bisnis / Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Widyatmoko Business Director Solid Business — Bank Banten Rising January 30, 2025
Sertifikasi Treasury Jenjang 7 / Treasury Certification — Level 7 22 Mei 2025 / May 22,
2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi VII Direksi / 04 Juli 2025 / July 4,
Refresher Course for Risk Management Certification — Qualification Level VII 2025
for the Board of Directors
Seminar BPDSI : Penguatan Bpdsi Dalam Implementasi Siskeudes / BPDSI 06 Agustus 2025 /
Seminar: Strengthening BPDSI in the Implementation of Siskeudes August 6, 2025
Rodi Judo Dahono Direktur Workshop BPD Go Digital / BPD Go Digital Workshop 23 Januari 2025 /
Operasional / January 23, 2025
Operations Director
Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Solid Business — Bank Banten Rising January 30, 2025
Seniar DCC 2025 : Strengthing Data Security In The Era Of Evolving Cyber 07 Mei 2025 / May 7,
Threats / DCC Seminar 2025: Strengthening Data Security in the Era of Evolving 2025
Cyber Threats
Training Pashield 10K / Payshield 10K Training 16 Mei 2025 / May 16,
2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vii Direksi / 04 Juli 2025 / July 4,
Refresher Course for Risk Management Certification — Qualification Level VII 2025
for the Board of Directors
Workshop Digital Resillienece In Action : Elevating Network And Security 6 Agustus 2025 / August
Excellence / Workshop on Digital Resilience in Action: Elevating Network and 6, 2025
Security Excellence
Eko Virgianto Direktur Kepatuhan Seminar Roadmap Penguatan Bpd 2024-2027 / Seminar on the Roadmap for the 20 Agustus 2025 /
/ Compliance Strengthening of BPD 2024–2027 August 20, 2025
Director
FGD Banking In The AI Era / Focus Group Discussion (FGD): Banking in the 23 Februari 2025 /
AI Era February 23, 2025
Seminar Program Eksekutif Bpd Implementasi Grc & Perlindungan Hukum 25 September 2025 /
Direksi Serta Komisaris / BPD Executive Program Seminar: Implementation of September 25, 2025
GRC & Legal Protection for Directors and Commissioners
Seminar FKDKP : Memahami Pentingnya Integritas Dalam Pengelolaan Lembaga 16 Oktober 2025 /
Keuangan / FKDKP Seminar: Understanding the Importance of Integrity in the October 16, 2025
Management of Financial Institutions
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Herliana Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Kepatuhan / Head Solid Business — Bank Banten Rising January 30, 2025
of Compliance
Division Sosialisasi Kewajiban Penyampaian Laporan Penilaian Sendiri Dan Pengkinian 13 Februari 2025 /
Data Pokok Bank / Dissemination on the Obligation to Submit Self-Assessment February 13, 2025
Reports and Update of Bank Core Data
Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Completion February 11, 2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16 Mei 2025 / May 16,
Internal Auditor / ISO 37001:2016 Anti-Bribery Management System Awareness 2025
and Internal Auditor Training
Webinar Strategi Aman Transaksi Asept Kripto dan Keuangan Digital : 19 Juni 2025 / June 19,
Perlindungan Data Pribadi Dampak Teknologi Biometrik Di Indonesia / Webinar: 2025
Safe Strategies for Crypto Asset Transactions and Digital Finance — Personal
Data Protection and the Impact of Biometric Technology in Indonesia
Self-Assessement SEOJK No. 14/SEOJK.03/2025 / Self-Assessment on OJK 3 September 2025 /
Circular Letter No. 14/SEOJK.03/2025 September 3, 2025
Workshop Implementasi Sinergitas Bidang Manajemen Risiko DAN Tata Kelola 22 September 2025 /
Dalam Lingkup KUB / Workshop on the Implementation of Synergy in Risk September 22, 2025
Management and Governance within the KUB Framework
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refresher Course for Risk 9 Oktober 2025 /
Management Certification — Level 5 October 9, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) 15 Oktober 2025 / v
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP)
Training — Batch V
Sosialisasi LHPK AP & FMI Serta Kpdhn Tahun 2025 / Dissemination on LHPK 27 Novemebr 2025 /
AP & FMI and KPDHN for the Year 2025 November 27, 2025
Dewi Noorirdawati Kepala Divisi Audit Workshop & Koordinasi Satuan Pengawasan Internal BUMD Wilayah Provinsi 16 Januari 2025 /
Internal / Head Banten 2025 / Workshop & Coordination of the Internal Supervisory Unit of January 16, 2025
of Internal Audit Regional-Owned Enterprises (BUMD) in Banten Province 2025
Division
Sertifikasi Audit Internal Level Supervisor / Internal Audit Certification — 17 Januari 2025 /
Supervisor Level January 17, 2025
Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Completion February 11, 2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16 Mei 2025 / May 16,
Internal Auditor / ISO 37001:2016 Anti-Bribery Management System Awareness 2025
and Internal Auditor Training
Sosialisasi Petunjuk Teknis Pembebanan Biaya / Dissemination on Technical 25 Juni 2025 / June 25,
Guidelines for Cost Charging 2025
Pelatihan Anti Korupsi Bagi BUMD Klaster Bank Daerah Tahun 2025 / Anti- 23 September 2025 /
Corruption Training for Regional-Owned Enterprises (BUMD) — Regional Bank September 23, 2025
Cluster 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
CEO BPD Forum 2025 : Membangun Ketahananbpd dari Farud dan Ancaman 23 Oktober 2025 /
Siber Dunia Perbankan / CEO BPD Forum 2025: Building BPD Resilience October 23, 2025
Against Fraud and Cyber Threats in the Banking World
Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refresher Course for Risk 9 Oktober 2025 /
Management Certification — Level 5 October 9, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
Sosialisasi LHPK AP & FMI Serta KPDHN Tahun 2025 / Dissemination on LHPK 27 November 2025 /
AP & FMI and KPDHN for the Year 2025 November 27, 2025
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Muh Muis Suhaeri Kepala Divisi Kredit Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
/ Head of Credit Solid Business — Bank Banten Rising January 30, 2025
Division
Resertifikasi Manajemen Risiko Jenjang 5 Batch 1 / Risk Management Re- 25 April 2025 / April 25,
Certification — Level 5, Batch 1 2025
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management Re- 14 Agustus 2025 /
Certification — Level 5, Batch 2 August 14, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (Smap) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
I Gusti Ayu Nyoman Kepala Divisi Dana Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Rai & Jasa / Head of Solid Business — Bank Banten Rising January 30, 2025
Funds & Services
Division Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Completion February 11, 2025
Training Penerapan Program Apu-Ppt & Pengendalian Gratifikasi Batch 1 / 29 April 2025 / April 29,
Training on the Implementation of the APU-PPT Program & Gratification Control 2025
— Batch 1
Sosialisasi Sistem Manajemen Keamanan Informasi (Smki) / Dissemination on 22 Mei 2025 / May 22,
Information Security Management System (ISMS) 2025
Seminar BPDSI : Penguatan BPDSI Dalam Implementasi Siskeudes / BPDSI 6 Agustus 2025 / August
Seminar: Strengthening BPDSI in the Implementation of Siskeudes 6, 2025
Sosialisasi Memoranjum Prosedur No. 150/Mp/Dir-Bb/Ix/2025 / Dissemination on 26 September 2025 /
Memorandum of Procedure No. 150/MP/DIR-BB/IX/2025 September 26, 2025
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management Re- 14 Agustus 2025 /
Certification — Level 5, Batch 2 August 14, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
Rudi Hendrawan Kepala Divisi Training Pashield 10K / Payshield 10K Training 30 Januari 2025 /
Operasional January 30, 2025
Jaringan &
Layanan / Head of Pelatihan, Simulasi Dan Uji Live Penggunaan Fasilitas Guest Bank Sistem Bi- 16 Mei 2025 / May 16,
Operations, Network Rtgs, Bi-Ssss, Sistem Bi-Etp Dan Sknbi Bank Indonesia / Training, Simulation, 2025
& Services Division and Live Testing on the Use of Guest Bank Facilities for BI-RTGS, BI-SSSS, BI-
ETP, and SKNBI Systems of Bank Indonesia
Sosialisasi Memoranjum Prosedur No. 150/Mp/Dir-Bb/Ix/2025 / Dissemination on 22 September 2025 /
Memorandum of Procedure No. 150/MP/DIR-BB/IX/2025 September 22, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 26 September 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 September 26, 2025
Bimtek System Integration Test & User Acceptance Testing Tabungan Pajak / 17 Oktober 2025 /
Technical Guidance on System Integration Test & User Acceptance Testing for October 17, 2025
Tax Savings
CEO BPD Forum 2025 : Membangun Ketahananbpd Dari Farud Dan Ancaman 22 Oktober 2025 /
Siber Dunia Perbankan / CEO BPD Forum 2025: Building BPD Resilience October 22, 2025
Against Fraud and Cyber Threats in the Banking World
Workshop Evaluasi Layanan Bank Indonesia Fast Payment (Bi-Fast) Tahun 2025 23 Oktober 2025 /
/ Workshop on the Evaluation of Bank Indonesia Fast Payment (BI-Fast) Services October 23, 2025
for the Year 2025
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL Corporate 01 Oktober 2025 /
October 1, 2025
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL Corporate 06 November 2025 /
November 6, 2025
Tb Firman Tauchid Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Human Capital / Solid Business — Bank Banten Rising January 30, 2025
Head of Human
Capital Division Fgd Perizinan Dan Penilaian Kemampuan Dan Kepatutan (PKK) Kepengurusan 21 Februari 2025 /
Dan Kepemilikan Bank Umum / Focus Group Discussion (FGD) on Licensing and February 21, 2025
Fit and Proper Assessment (PKK) of Management and Ownership of Commercial
Banks
Sertifikasi Human Resources Level Manager / Human Resources Certification 26 Februari 2025 /
— Manager Level February 26, 2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16 Mei 2025 / May 16,
Internal Auditor / ISO 37001:2016 Anti-Bribery Management System Awareness 2025
and Internal Auditor Training
Sosialisasi Ketenagakerjaan / Labor/Employment Dissemination 26 Agustus 2025 /
August 26, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refresher Course for Risk 09 Oktober 2025 /
Management Certification — Level 5 October 9, 2025
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Purbaji Basuki Kepala divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Perencanaan Solid Business — Bank Banten Rising January 30, 2025
Akuntansi &
Keuangan / Head Training Pashield 10K / Payshield 10K Training 16 Mei 2025 / May 16,
of Planning, 2025
Accounting & Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Finance Division Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Donal Feterence Kepala Divisi Workshop BPD Go Digital / BPD Go Digital Workshop 23 Januari 2025 /
Teknologi January 23, 2025
Informasi / Head
of Information Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Technology Division Solid Business — Bank Banten Rising January 30, 2025
Multipolar BPD Forum : Navigating Her Transformation Journey - Cost Efective, 19 Februari 2025 /
Scalable, High-Performance And Secure Digital System / Multipolar BPD Forum: February 19, 2025
Navigating the Transformation Journey — Cost-Effective, Scalable, High-
Performance, and Secure Digital System
Seniar Dcc 2025 : Strengthing Data Security In The Era Of Evolving Cyber 7 Mei 2025 / May 7,
Threats / DCC Seminar 2025: Strengthening Data Security in the Era of Evolving 2025
Cyber Threats
Training Pashield 10K / Payshield 10K Training 16 Mei 2025 / May 16,
2025
Worshop Forum Cyber BPDSI / BPDSI Cyber Forum Workshop 22 Mei 2025 / May 22,
2025
Training Titanium : Course Control Meets Endpoint Control / Titanium Training: 18 Juli 2025 / July 18,
Course Control Meets Endpoint Control 2025
Workshop Digital Resillienece In Action : Elevating Network And Security 6 Agustus 2025 / August
Excellence / Workshop on Digital Resilience in Action: Elevating Network and 6, 2025
Security Excellence
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Bimtek System Integration Test & User Acceptance Testing Tabungan Pajak / 22 Oktober 2025 /
Technical Guidance on System Integration Test & User Acceptance Testing for October 22, 2025
Tax Savings
Capacity Building Dan Rapat Koordinasi Tp2Dd Se Banten Tahun 2025 / Capacity 10 November 2025 /
Building and Coordination Meeting of TP2DD throughout Banten Province 2025 November 10, 2025
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL Corporate 6 November 2025 /
November 6, 2025
Ferdy Ardian Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Sekretariat Solid Business — Bank Banten Rising January 30, 2025
Perusahaan &
Hukum / Head of Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Corporate Secretary Completion February 11, 2025
& Legal Division Trining ISO 37001:2016 Anti Bribery Management System Awareness Dan 16 Mei 2025 / May 16,
Internal Auditor / ISO 37001:2016 Anti-Bribery Management System Awareness 2025
and Internal Auditor Training
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
Irfan Ardinal Kepala Divisi Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal Setting 11 Februari 2025 /
Credit Review & Completion February 11, 2025
Administrasi Kredit
/ Head of Credit Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) / Dissemination on 22 Mei 2025 / May 22,
Review & Credit Information Security Management System (ISMS) 2025
Administration Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (Smap) 15 Oktober 2025 /
Division Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Sosialisasi Implementasi Pengisian Pelaporan Pajak Melalui Akun Coretax / 30 Desember 2025 /
Dissemination on the Implementation of Tax Reporting via the Coretax Account December 30, 2025
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Nama / Name Jabatan / Position Program Kompetensi / Competency Program Pelaksanaan / Date
Fajar Nursetiawan Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business Workshop: 30 Januari 2025 /
Penyelamatan Solid Business — Bank Banten Rising January 30, 2025
& Penyelesaian
Kredit / Head of Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) / Dissemination on 22 Mei 2025 / May 22,
Credit Rescue & Information Security Management System (ISMS) 2025
Settlement Division Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management Re- 14 Agustus 2025 /
Certification — Level 5, Batch 2 August 14, 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) 15 Oktober 2025 /
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
Harsha Indradewa Kepala Divisi Worshop Forum Cyber BPDSI / BPDSI Cyber Forum Workshop 22 Mei 2025 / May 22,
Manajemen Risiko 2025
/ Head of Risk
Management Workshop Teknis Penyusunan Laporan Crms OJK bagi BPDSI / Technical 2 Juni 2025 / June 2,
Division Workshop on the Preparation of OJK CRMS Reports for BPDSI 2025
Workshop Implementasi Sinergitas Bidang Manajemen Risiko Dan Tata Kelola 22 September 2025 /
Dalam Lingkup Kub / Workshop on the Implementation of Synergy in Risk September 22, 2025
Management and Governance within the KUB Framework
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / Service & 17 Oktober 2025 /
Culture Training: Reenergize Culture Bank Banten 2025 October 17, 2025
Seminar FKDKP : Memahami Pentingnya Integritas Dalam Pengelolaan Lembaga 16 Oktober 2025 /
Keuangan / FKDKP Seminar: Understanding the Importance of Integrity in the October 16, 2025
Management of Financial Institutions
Workshop BPD Go Digital : Compliance & Innovation / BPD Go Digital Workshop: 13 November 2025 /
Compliance & Innovation November 13, 2025
KOMITE KEBIJAKAN PERKREDITAN CREDIT POLICY COMMITTEE
DASAR HUKUM KOMITE KEBIJAKAN PERKREDITAN LEGAL BASIS OF THE CREDIT POLICY COMMITTEE
Pembentukan Komite Kebijakan Perkreditan berdasarkan The establishment of the Credit Policy Committee is based
ketentuan sebagai berikut: on the following regulations:
a. Undang-Undang No.7 tahun 1992 tentang Perbankan a. Law No. 7 of 1992 concerning Banking, as amended by
sebagaimana telah diubah dengan Undang-Undang Law No. 10 of 1998 concerning Banking.
No.10 tahun 1998 tentang Perbankan.
b. POJK No. 17 Tahun 2023 tanggal 14 September 2023 b. OJK Regulation No. 17 of 2023 dated September 14,
tentang Penerapan Tata Kelola Bagi Bank Umum. 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
c. POJK No. 46/POJK.03/2017 tanggal 12 Juli 2017 c. OJK Regulation No. 46/POJK.03/2017 dated July 12,
tentang pelaksanaan Fungsi Kepatuhan Bank Umum. 2017 concerning the Implementation of Compliance
Function for Commercial Banks.
d. POJK No. 18/ POJK.03/2016 tanggal 16 Maret 2016 d. OJK Regulation No. 18/POJK.03/2016 dated March
tentang Penerapan Manajemen Risiko Bagi Bank 16, 2016 concerning the Implementation of Risk
Umum. Management for Commercial Banks.
e. Anggaran Dasar PT Bank Pembangunan Daerah Banten e. The current Articles of Association of PT Bank
(Perseroda) Tbk yang berlaku saat ini dan perubahan- Pembangunan Daerah Banten (Perseroda) Tbk and its
perubahannya. amendments.
f. Surat Keputusan Direksi No. 406/SK/DIR-BB/XII/2025 f. Surat Keputusan Direksi No. 406/SK/DIR-BB/XII/2025
tanggal 24 Desember 2025 tentang Struktur Organisasi tanggal 24 Desember 2025 tentang Struktur Organisasi
PT Bank Pembangunan Daerah Banten (Perseroda) PT Bank Pembangunan Daerah Banten (Perseroda)
Tbk Tbk.
g. Surat Keputusan Direksi No. 057/SK/DIR-BB/IV/2022 g. Board of Directors Decree No. 057/SK/DIR-BB/IV/2022
tanggal 18 April 2022 tentang Komite dalam penyusunan dated April 18, 2022 concerning the Committee for the
Kebijakan Perkreditan Bank (KPB). Preparation of the Bank’s Credit Policy (KPB).
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PEDOMAN KOMITE KEBIJAKAN PERKREDITAN CREDIT POLICY COMMITTEE GUIDELINES
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Perseroan telah menetapkan pedoman kerja Komite The Company has established the Credit Policy Committee
Kebijakan Perkreditan berdasarkan ketentuan yang work guidelines in accordance with applicable regulations.
berlaku. Pedoman tersebut digunakan sebagai acuan These guidelines serve as a reference for carrying out the
dalam melaksanakan tugas dan tanggung jawabnya committee’s duties and responsibilities.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE CREDIT
KEBIJAKAN PERKREDITAN POLICY COMMITTEE
Komite Kebijakan Perkreditan memiliki tugas dan tanggung The Credit Policy Committee has the following duties and
jawab sebagai berikut: responsibilities:
a. Memberikan rekomendasi kepada Direksi dalam a. Provide recommendations to the Board of Directors
merancang Kebijakan Perkreditan Bank (KPB) serta in designing the Bank’s Credit Policy (KPB) and other
kebijakan lain yang berkaitan dengan penerapan prinsip policies related to the implementation of prudential
kehati-hatian dalam perkreditan. principles in lending.
b. Memastikan bahwa KPB diterapkan dengan konsisten b. Ensure that the KPB is implemented consistently and
dan efektif, serta menyusun solusi apabila terdapat effectively, and formulate solutions should any obstacles
hambatan dalam pelaksanaannya. arise in its implementation.
c. Melakukan evaluasi berkala terhadap KPB dan c. Conduct periodic evaluations of the KPB and provide
memberikan saran kepada Direksi jika diperlukan revisi suggestions to the Board of Directors if revisions or
atau penyempurnaan kebijakan tersebut. refinements are required.
WEWENANG KOMITE KEBIJAKAN PERKREDITAN AUTHORITIES OF THE CREDIT POLICY COMMITTEE
Komite Kebijakan Perkreditan memiliki kewenangan untuk The Credit Policy Committee has the authority to make
mengambil keputusan dalam mengesahkan Kebijakan decisions in approving the Bank’s Credit Policy as well as
Perkreditan Bank serta kebijakan perkreditan lainnya, other credit-related policies, particularly those related to the
khususnya yang berkaitan dengan penerapan prinsip implementation of prudential principles in lending.
kehati-hatian dalam pemberian kredit.
KOMPOSISI KOMITE KEBIJAKAN PERKREDITAN COMPOSITION OF THE CREDIT POLICY COMMITTEE
Ketua / Head Direktur Utama / President Director
Sekretaris / Bagian Kebijakan & Administrasi Kredit, Divisi Kredit Review & Administrasi / Credit Policy & Administration
Secretaries Section, Credit Review & Administration Division
Anggota / Members Tetap / Permanent Members:
Direktur Utama, Direksi yang membidangi Perkreditan, Pimpinan Satuan Kerja Bidang Operasional Terkait
Perkreditan, Pimpinan Satuan Kerja Audit Internal. / President Director, Director in charge of Credit, Head of
the Operational Work Unit related to Credit, Head of the Internal Audit Work Unit.
Tidak Tetap / Non-Permanent Members:
Direksi lain yang tidak membidangi Perkreditan dan Divisi lainnya yang terkait (disesuaikan dengan pembahasan
dalam rapat Komite Kebijakan Kredit) / Other Directors not in charge of Credit and other related Divisions (as
needed according to the discussion in the Credit Policy Committee meeting).
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
RAPAT KOMITE KEBIJAKAN PERKREDITAN CREDIT POLICY COMMITTEE MEETINGS
Terkait dengan adanya penyesuaian Struktur Organisasi In relation to the adjustment of the Organizational Structure
yang ditetapkan melalui SK Direksi No. dengan No. 406/SK/ as stipulated through Board of Directors Decree No. 406/
DIR-BB/XII/2025 tanggal 24 Desember 2025, untuk posisi SK/DIR-BB/XII/2025 dated December 24, 2025, as of the
Akhir Desember 2025 Komite Kebijakan Perkreditan belum end of December 2025, the Credit Policy Committee has yet
melaksanakan Rapat Komite Kebijakan Perkreditan. to convene a Credit Policy Committee Meeting.
2025 Annual Report & Sustainability Report 303
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PELAKSANAAN TUGAS KOMITE KEBIJAKAN IMPLEMENTATION OF CREDIT POLICY COMMITTEE
PERKREDITAN 2025 DUTIES IN 2025
Di tahun 2025, Komite Kebijakan Perkreditan telah In 2025, the Credit Policy Committee carried out the
melaksanakan tugas dan tanggung jawab sebagai berikut: following duties and responsibilities:
1. Memberi Masukan kepada Direksi dalam Penyusunan 1. Providing input to the Board of Directors in the
Kebijakan Perkreditan Bank (KPB) dan Kebijakan formulation of the Bank's Credit Policy (KPB) and other
Perkreditan Lainnya. Credit-related Policies.
2. Melakukan Pengawasan agar KPB diterapkan secara 2. Overseeing the consistent and consequential
konsekuen dan konsisten. implementation of the Bank's Credit Policy (KPB).
3. Melakukan Kajian Berkala terhadap KPB . 3. Conducting periodic reviews of the Bank's Credit Policy
(KPB).
4. Memantau dan mengevaluasi: 4. Monitoring and evaluating:
a. Perkembangan dan kualitas portofolio Kredit. a. The development and quality of the Credit portfolio.
b. Kebenaran Pelaksanaan kewenangan memutus b. The accuracy of the implementation of credit approval
kredit. authority.
c. Aspek perkreditan lainnya sesuai kewenangan dan c. Other credit-related aspects in accordance with the
ketentuan yang berlaku. applicable authority and regulations.
PENGEMBANGAN KOMPETENSI KOMITE CREDIT POLICY COMMITTEE COMPETENCY
KEBIJAKAN PERKREDITAN DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan On a regular basis, Bank Banten provides opportunities
kepada seluruh insan Perusahaan untuk ikut serta dan for all personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. Ya/ programs. There was/was no participation of the Credit
tidak terdapat keikutsertaan Komite Kebijakan Perkreditan Policy Committee in competency programs in 2025,
dalam program kompetensi di tahun 2025 di antaranya: including:
Tabel Pengembangan Kompetensi Komite Kebijakan Table of Board of Commissioners Competency
Perkreditan Tahun 2025 Development in 2025
Tanggal / Date
Nama / Name Jabatan / Position Program / Program Mulai /
Akhir / End
Beginning
Anggota Tetap / Permanent Members
Muhammad Direktur Utama Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 / January 30,
Busthami (KETUA) / President Workshop: Solid Business — Bank Banten Rising 2025
Director (HEAD)
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi VII 04 Juli 2025 / July 4, 2025
Direksi / Refresher Course for Risk Management Certification —
Qualification Level VII for the Board of Directors
Seminar Penguatan Bpdsi Dalam Implementasi Siskeudes / Seminar 06 Agustus 08 Agustus
on Strengthening BPDSI in the Implementation of Siskeudes 2025 / August 2025 / August
6, 2025 8, 2025
CEO BPD Forum 2025 : Membangun Ketahanan BPD Dari Farud Dan 23 Oktober 2025 / October 23,
Ancaman Siber Dunia Perbankan / CEO BPD Forum 2025: Building 2025
BPD Resilience Against Fraud and Cyber Threats in the Banking World
Bambang Direktur Bisnis / Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 / January 30,
Widyatmoko Business Director Workshop: Solid Business — Bank Banten Rising 2025
Sertifikasi Treasury Jenjang 7 / Treasury Certification — Level 7 22 Mei 2025 / 23 Mei 2025 /
May 22, 2025 May 23, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vii 04 Juli 2025 / July 4, 2025
Direksi / Refresher Course for Risk Management Certification —
Qualification Level VII for the Board of Directors
Seminar BPDSI : Penguatan Bpdsi Dalam Implementasi Siskeudes 06 Agustus 08 Agustus
/ BPDSI Seminar: Strengthening BPDSI in the Implementation of 2025 / August 2025 / August
Siskeudes 6, 2025 8, 2025
304 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 307
Tanggal / Date
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Nama / Name Jabatan / Position Program / Program Mulai /
Akhir / End
Beginning
Dewi Noorirdawati Kepala Divisi Audit Workshop & Koordinasi Satuan Pengawasan Internal BUMD Wilayah 16 Januari 2025 / January 16,
Internal / Head Provinsi Banten 2025 / Workshop & Coordination of the Internal 2025
of Internal Audit Supervisory Unit of Regional-Owned Enterprises (BUMD) in Banten
Division Province 2025
Sertifikasi Audit Internal Level Supervisor / Internal Audit Certification 17 Januari 2025 / January 17,
— Supervisor Level 2025
Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal 11 Februari 2025 / February 11,
Setting Completion 2025
Trining ISO 37001:2016 Anti Bribery Management System Awareness 16 Mei 2025 / 17 Mei 2025 /
dan Internal Auditor / ISO 37001:2016 Anti-Bribery Management May 16, 2025 May 17, 2025
System Awareness and Internal Auditor Training
Sosialisasi Petunjuk Teknis Pembebanan Biaya / Dissemination on 25 Juni 2025 / June 25, 2025
Technical Guidelines for Cost Charging
Pelatihan Anti Korupsi Bagi Bumd Klaster Bank Daerah Tahun 2025 23 September 26 September
/ Anti-Corruption Training for Regional-Owned Enterprises (BUMD) — 2025 / 2025 /
Regional Bank Cluster 2025 September 23, September 26,
2025 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / 17 Oktober 18 Oktober
Service & Culture Training: Reenergize Culture Bank Banten 2025 2025 / October 2025 / October
17, 2025 18, 2025
CEO BPD Forum 2025 : Membangun Ketahananbpd Dari Farud Dan 23 Oktober 2025 / October 23,
Ancaman Siber Dunia Perbankan / CEO BPD Forum 2025: Building 2025
BPD Resilience Against Fraud and Cyber Threats in the Banking World
Refreshment Sertifikasi Menajemen Risiko Jenjang 5 / Refresher 9 Oktober 2025 / October 9, 2025
Course for Risk Management Certification — Level 5
Training Anti-Fraud Awareness & Sistem Manajemen Anti Penyuapan 15 Oktober 2025 / October 15,
(SMAP) Batch V / nti-Fraud Awareness & Anti-Bribery Management 2025
System (SMAP) Training — Batch V
Sosialisasi LHPK AP & FMI Serta Kpdhn Tahun 2025 / Dissemination 27 November 2025 / November
on LHPK AP & FMI and KPDHN for the Year 2025 27, 2025
Rudi Hendrawan Kepala Divisi Training Pashield 10K / Payshield 10K Training 30 Januari 2025 / January 30,
Operasional 2025
Jaringan &
Layanan / Head of Pelatihan, Simulasi Dan Uji Live Penggunaan Fasilitas Guest Bank 16 Mei 2025 / 17 Mei 2025 /
Operations, Network Sistem Bi-Rtgs, Bi-Ssss, Sistem Bi-Etp Dan Sknbi Bank Indonesia May 16, 2025 May 17, 2025
& Services Division / Training, Simulation, and Live Testing on the Use of Guest Bank
Facilities for BI-RTGS, BI-SSSS, BI-ETP, and SKNBI Systems of Bank
Indonesia
Sosialisasi Memoranjum Prosedur No. 150/Mp/Dir-Bb/Ix/2025 / 22 September 23 September
Dissemination on Memorandum of Procedure No. 150/MP/DIR-BB/ 2025 / 2025 /
IX/2025 September 22, September 23,
2025 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / 26 September 2025 / September
Service & Culture Training: Reenergize Culture Bank Banten 2025 26, 2025
Bimtek System Integration Test & User Acceptance Testing Tabungan 17 Oktober 18 Oktober
Pajak / Technical Guidance on System Integration Test & User 2025 / October 2025 / October
Acceptance Testing for Tax Savings 17, 2025 18, 2025
Ceo Bpd Forum 2025 : Membangun Ketahananbpd Dari Farud Dan 22 Oktober 2025 / October 22,
Ancaman Siber Dunia Perbankan / CEO BPD Forum 2025: Building 2025
BPD Resilience Against Fraud and Cyber Threats in the Banking World
Workshop Evaluasi Layanan Bank Indonesia Fast Payment (Bi-Fast) 23 Oktober 2025 / October 23,
Tahun 2025 / Workshop on the Evaluation of Bank Indonesia Fast 2025
Payment (BI-Fast) Services for the Year 2025
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL 01 Oktober 02 Oktober
Corporate 2025 / October 2025 / October
1, 2025 2, 2025
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bimbingan Teknis Signal Coorporate / Technical Guidance on SIGNAL 06 November 2025 / November
Corporate 6, 2025
Anggota Tidak Tetap / Non-Permanent Members
2025 Annual Report & Sustainability Report 305
Page 308
Tanggal / Date
Nama / Name Jabatan / Position Program / Program Mulai /
Akhir / End
Beginning
Rodi Judo Dahono Direktur Workshop Bpd Go Digital / BPD Go Digital Workshop 23 Januari 2025 / January 23,
Operasional / 2025
Operations Director
Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 / January 30,
Workshop: Solid Business — Bank Banten Rising 2025
Seniar DCC 2025 : Strengthing Data Security In The Era Of Evolving 07 Mei 2025 / 09 Mei 2025 /
Cyber Threats / DCC Seminar 2025: Strengthening Data Security in the May 7, 2025 May 9, 2025
Era of Evolving Cyber Threats
Training Pashield 10K / Payshield 10K Training 16 Mei 2025 / 17 Mei 2025 /
May 16, 2025 May 17, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang Kualifikasi Vii 04 Juli 2025 / July 4, 2025
Direksi / Refresher Course for Risk Management Certification —
Qualification Level VII for the Board of Directors
Workshop Digital Resillienece In Action : Elevating Network And 06 Agustus 08 Agustus
Security Excellence / Workshop on Digital Resilience in Action: 2025 / August 2025 / August
Elevating Network and Security Excellence 6, 2025 8, 2025
Eko Virgianto Direktur Kepatuhan / Seminar Roadmap Penguatan Bpd 2024-2027 / Seminar on the 20 Agustus 21 Agustus
Compliance Director Roadmap for the Strengthening of BPD 2024–2027 2025 / August 2025 / August
20, 2025 21, 2025
FGD Banking In The AI Era / Focus Group Discussion (FGD): Banking 23 Februari 25 Februari
in the AI Era 2025 / February 2025 / February
23, 2025 25, 2025
Seminar Program Eksekutif Bpd Implementasi GRC & Perlindungan 25 September 26 September
Hukum Direksi Serta Komisaris / BPD Executive Program Seminar: 2025 / 2025 /
Implementation of GRC & Legal Protection for Directors and September 25, September 26,
Commissioners 2025 2025
Seminar FKDKP : Memahami Pentingnya Integritas Dalam Pengelolaan 16 Oktober 2025 / October 16,
Lembaga Keuangan / KDKP Seminar: Understanding the Importance of 2025
Integrity in the Management of Financial Institutions
Muh Muis Suhaeri Kepala Divisi Kredit Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30 Januari 2025 / January 30,
/ Head of Credit Workshop: Solid Business — Bank Banten Rising 2025
Division
Resertifikasi Manajemen Risiko Jenjang 5 Batch 1 / Risk Management 25 April 2025 / April 25, 2026
Re-Certification — Level 5, Batch 1
Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management 14 Agustus 2025 / August 14,
Re-Certification — Level 5, Batch 2 2025
Training Service & Budaya : Reenergize Culture Bank Banten 2025 / 17 Oktober 18 Oktober
Service & Culture Training: Reenergize Culture Bank Banten 2025 2025 / October 2025 / October
17, 2025 18, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan 15 Oktober 2025 / October 15,
(SMAP) Batch V / nti-Fraud Awareness & Anti-Bribery Management 2025
System (SMAP) Training — Batch V
Fajar Nursetiawan Kepala Divisi Workshop Business : Bisnis Solid Bank Banten Bangkit / Business 30-Jan-25
Penyelamatan Workshop: Solid Business — Bank Banten Rising 30-Jan-25 / January 30, 2025
& Penyelesaian
Kredit (Anggota Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) 22-May-25
Tidk tetap) / Head / Dissemination on Information Security Management System (ISMS) 22-May-25 / May 22, 2025
of Credit Rescue & Resertifikasi Manajemen Risiko Jenjang 5 Batch 2 / Risk Management 14-Aug-25
Settlement Division Re-Certification — Level 5, Batch 2 14-Aug-25 / August 14, 2025
(Non-Permanent
Member) Training Service & Budaya : Reenergize Culture Bank Banten 2025 / 17 Oktober 18 Oktober
Service & Culture Training: Reenergize Culture Bank Banten 2025 2025 / October 2025 / October
17, 2025 18, 2025
Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan 15 Oktober 2025 / October 15,
(SMAP) Batch V / Anti-Fraud Awareness & Anti-Bribery Management 2025
System (SMAP) Training — Batch V
Irfan Ardinal Kepala Divisi Undangan Sosialisasi Pengisian Goal Setting / Dissemination on Goal 11 Februari 2025 / February 11,
Credit Review & Setting Completion 2025
Administrasi Kredit
/ Head of Credit Sosialisasi Sistem Manajemen Keamanan Informasi (SMKI) / 22 Mei 2025 / May 22, 2025
Review & Credit Dissemination on Information Security Management System (ISMS)
Administration Training Anti Fraud Awareness & Sistem Manajemen Anti Penyuapan 15 Oktober 2025 / October 15,
Division (SMAP) Batch V / nti-Fraud Awareness & Anti-Bribery Management 2025
System (SMAP) Training — Batch V
Sosialisasi Implementasi Pengisian Pelaporan Pajak Melalui Akun 30 Desember 2025 / December
Coretax / on the Implementation of Tax Reporting via the Coretax 30, 2025
Account
306 Laporan Tahunan & Laporan Keberlanjutan 2025
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KOMITE HUMAN CAPITAL HUMAN CAPITAL COMMITTEE
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
DASAR HUKUM KOMITE HUMAN CAPITAL LEGAL BASIS OF THE HUMAN CAPITAL COMMITTEE
Pembentukan Komite Human Capital berdasarkan The establishment of the Human Capital Committee is
ketentuan sebagai berikut: based on the following regulations:
a. Undang-Undang No.7 tahun 1992 tentang Perbankan a. Law No. 7 of 1992 concerning Banking, as amended by
sebagaimana telah diubah dengan Undang-Undang Law No. 10 of 1998 concerning Banking.
No.10 tahun 1998 tentang Perbankan.
b. POJK No. 17 Tahun 2023 tanggal 14 September 2023 b. OJK Regulation No. 17 of 2023 dated September 14,
tentang Penerapan Tata Kelola Bagi Bank Umum. 2023 concerning the Implementation of Good Corporate
Governance for Commercial Banks.
c. POJK No. 46/POJK.03/2017 tanggal 12 Juli 2017 c. OJK Regulation No. 46/POJK.03/2017 dated July 12,
tentang pelaksanaan Fungsi Kepatuhan Bank Umum. 2017 concerning the Implementation of Compliance
Function for Commercial Banks.
d. POJK No. 18/ POJK.03/2016 tanggal 16 Maret 2016 d. OJK Regulation No. 18/POJK.03/2016 dated March
tentang Penerapan Manajemen Risiko Bagi Bank 16, 2016 concerning the Implementation of Risk
Umum. Management for Commercial Banks.
e. Anggaran Dasar PT Bank Pembangunan Daerah e. The current Articles of Association of PT Bank
Banten (Perseroda) Tbk yang berlaku saat ini dan Pembangunan Daerah Banten (Perseroda) Tbk and its
perubahan-perubahannya. amendments.
f. Surat Keputusan Direksi No. 2025/SK/DIR-BB/XII/2024 f. Board of Directors Decree No. 2025/SK/DIR-BB/
tanggal 06 Desember 2024 tentang Pedoman dan Tata XII/2024 dated December 6, 2024 concerning the
Tertib Kerja Komite Human Capital. Guidelines and Work Procedures of the Human Capital
Committee.
PEDOMAN KOMITE HUMAN CAPITAL HUMAN CAPITAL COMMITTEE GUIDELINES
Perseroan telah menetapkan pedoman kerja Komite Human The Company has established work guidelines for the
Capital berdasarkan ketentuan yang berlaku. Pedoman Human Capital Committee in accordance with applicable
tersebut digunakan sebagai acuan dalam melaksanakan regulations. These guidelines serve as a reference in
tugas dan tanggung jawabnya. carrying out its duties and responsibilities.
TUGAS DAN TANGGUNG JAWAB KOMITE HUMAN DUTIES AND RESPONSIBILITIES OF THE HUMAN
CAPITAL CAPITAL COMMITTEE
Komite Human Capital memiliki tugas dan tanggung jawab The Human Capital Committee has the following duties and
sebagai berikut: responsibilities:
• Melakukan pertimbangan strategis di bidang human • Providing strategic considerations in the field of human
capital. capital.
Komite Human Capital memiliki fungsi utama dalam tiga The Human Capital Committee has primary functions in
area strategis: three strategic areas:
(1) Fungsi Planning, meliputi evaluasi dan rekomendasi (1) Planning Function, encompassing the evaluation
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
kebijakan serta strategi di bidang: and recommendation of policies and strategies in the
following areas:
1. Rekrutmen dan pemenuhan kebutuhan SDM; 1. Recruitment and fulfillment of Human Capital needs;
2. Pelatihan dan pengembangan kompetensi; 2. Training and competency development;
3. Kompensasi dan benefit; 3. Compensation and benefits;
4. Hubungan industrial dan internalisasi budaya kerja. 4. Industrial relations and internalization of work
culture.
2025 Annual Report & Sustainability Report 307
Page 310
(2) Fungsi Disiplin, yaitu memberikan pertimbangan dan (2) Discipline Function, namely providing considerations
rekomendasi atas penanganan pelanggaran karyawan, and recommendations on the handling of employee
termasuk klarifikasi, usulan sanksi, dan corrective action, violations, including clarification, proposed sanctions,
dengan tetap memperhatikan ketentuan peraturan and corrective action, while taking into account the
perusahaan, kode etik, serta peraturan perundang- provisions of the company regulations, Code of Conduct,
undangan yang berlaku and applicable laws and regulations.
(3) Fungsi Manajemen Talenta dan Kinerja, mencakup (3) Talent and Performance Management Function,
pemberian rekomendasi terkait: encompassing the provision of recommendations
related to:
a. Promosi, mutasi, rotasi, dan demosi; a. Promotions, transfers, rotations, and demotions;
b. Penilaian kinerja berbasis metode yang objektif dan b. Performance assessments based on objective
selaras dengan Balanced Scorecard; methods aligned with the Balanced Scorecard;
c. Program penghargaan dan retensi talenta guna c. Reward programs and talent retention to sustain
menjaga keberlanjutan kinerja organisasi organizational performance continuity.
KOMPOSISI KOMITE HUMAN CAPITAL HUMAN CAPITAL COMMITTEE COMPOSITION
Ketua / Head Direktur Operasional / Director of Operations
Sekretaris / Kepala Divisi yang membidangi Bagian Human Capital (Ex- officio) / Head of the Division overseeing Human
Secretary Capital (Ex-officio)
Anggota Tetap / 1. Direktur Utama / President Director
Permanent Member 2. Direktur Bisnis / Business Director
3. Direktur Kepatuhan / Compliance Director
Anggota Tidak 1. Seluruh Kepala Divisi (ex-officio) atau / All Division Heads (ex-officio) or
Tetap / Non- 2. PUK/Unit Kerja/Pihak Terkait dan/atau Pihak Lainnya yang mengetahui dan memahami agenda atau
Permanent Member permasalahannya / PUK/Work Units/Related Parties and/or Other Parties who know and understand the
agenda or issues
RAPAT KOMITE HUMAN CAPITAL HUMAN CAPITAL COMMITTEE MEETINGS
Komite Human Capital melaksanakan rapat sekurang- The Human Capital Committee holds meetings at least
kurangnya dua kali dalam satu tahun atau sesuai kebutuhan. twice a year or as needed. A meeting is declared quorate
Rapat dinyatakan kuorum apabila dihadiri minimal 51% when attended by a minimum of 51% of the invited
dari anggota yang diundang. Keputusan diambil secara members. Decisions are made through deliberation to
musyawarah untuk mufakat atau berdasarkan suara reach consensus, or by majority vote if consensus cannot
terbanyak apabila mufakat tidak tercapai. Seluruh hasil be reached. All meeting outcomes are recorded in minutes
rapat dituangkan dalam risalah dan dimonitor tindak lanjut and the follow-up on their implementation is monitored by
pelaksanaannya oleh Sekretaris Komite. the Committee Secretary.
Selama tahun 2025, Komite Human Capital telah Throughout 2025, the Human Capital Committee held a total
menyelenggarakan rapat sebanyak 7 (tujuh) kali, dengan of 7 (seven) meetings, with the details of the Committee
rincian pelaksanaan Rapat Komite sebagai berikut : Meeting proceedings as follows:
308 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 311
Tabel Agenda Rapat Komite Human Capital Tahun Table of the Human Capital Committee Meeting in 2025
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
2025
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 21 Januari 2025 / 1. Remunerasi Karyawan, BOD/BOC / Employee Remuneration, BOD/BOC
January 21, 2025 2. SOP Lembur / Overtime SOP
3. SOP Pendidikan & Pelatihan / Education and Training SOP
2 19 Mei 2025 / 1. Efisiensi Lembur / Overtime Efficiency
May 19, 2025 2. Penetapan Definitif Pejabat Sementara / Definitive Appointment of Temporary Officials
3. Perjalanan Dinas / Business Travel
4. Tunjangan keahlian / Skill Allowance
3 10 Juli 2025 / Pembahasan Evaluasi Struktur Organisasi Bank Banten / Discussion of the Evaluation of Bank Banten's
July 10, 2025 Organizational Structure
4 27 Agustus 2025 / 1. Pembahasan Pelaksanaan KPI Tahun 2024 dan Tengah Tahun 2025 / Discussion on KPI
August 27, 2025 Implementation for 2024 and Mid-2025
2. Struktur Organisasi / Organizational Structure
5 18 September 2025 / 1. LKS Bipartit / Bipartite LKS
September 18, 2025 2. Remunerasi / Remuneration
3. Struktur Organisasi / Organizational Structure
6 6 Oktober 2025 / Struktur Organisasi / Organizational Structure
October 6, 2025
7 18 Desember 2025 / Pembahasan Usulan Penetapan Pejabat Struktural Hasil Evaluasi Struktur Organisasi Baru /
September 18, 2025 Discussion of the Proposed Appointment of Structural Officials Based on the Evaluation Results of the
New Organizational Structure
PELAKSANAAN TUGAS KOMITE HUMAN CAPITAL IMPLEMENTATION OF HUMAN CAPITAL COMMITTEE
2025 DUTIES IN 2025
Dalam pelaksanaan tugas dan tanggung jawabnya, Divisi In carrying out its duties and responsibilities, the Human
Human Capital berperan sebagai strategic partner dan Capital Division serves as a strategic partner and overseer
pengendali kebijakan pengembangan kompetensi yang of competency development policies that are integrated with
terintegrasi dengan arah bisnis dan transformasi organisasi. the business direction and organizational transformation.
Pengelolaan pengembangan kompetensi dilakukan secara Competency development management is carried out in a
terstruktur melalui pembagian peran yang jelas antar fungsi, structured manner through a clear division of roles among
guna memastikan efektivitas, keberlanjutan, dan dampak functions, in order to ensure effectiveness, sustainability,
terhadap kinerja perusahaan. and impact on the Company's performance.
PENGEMBANGAN KOMPETENSI KOMITE HUMAN HUMAN CAPITAL COMMITTEE COMPETENCY
CAPITAL DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan On a regular basis, Bank Banten provides opportunities
kepada seluruh insan Perusahaan untuk ikut serta dan for all personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. programs. There was/was no participation of the Human
Komite Human Capital telah ikut serta dalam program Capital Committee in competency programs in 2025,
pengembangan kompetensi. Informasi mengenai hal including.
tersebut telah disajikan dalam Bab Tinjauan Unit Pendukung
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bisnis dalam laporan ini.
SEKRETARIS PERUSAHAAN CORPORATE SECRETARY
Bank Banten telah memiliki fungsi Sekretaris Perusahaan, Bank Banten has established the Corporate Secretary
yang dijalankan secara individual oleh seorang Sekretaris function, which is carried out on an individual basis by a
Perusahaan yang memimpin Divisi Sekretariat Perusahaan. Corporate Secretary who leads the Corporate Secretariat
2025 Annual Report & Sustainability Report 309
Page 312
Peran ini memiliki posisi strategis dalam mendukung tata Division. This role holds a strategic position in supporting
kelola perusahaan dan komunikasi korporat, dengan tujuan corporate governance and corporate communications, with
meningkatkan reputasi Perseroan. the aim of enhancing the Company’s reputation.
Sekretaris Perusahaan memiliki peran krusial dalam
penerapan tata kelola dan komunikasi perusahaan. The Corporate Secretary plays a crucial role in
Sekretaris Perusahaan bertindak sebagai penghubung the implementation of governance and corporate
antara organ perusahaan dengan pihak eksternal, communications. The Corporate Secretary acts as a liaison
seperti pemegang saham, lembaga pemerintah dan between the company’s organs and external parties,
nonpemerintah, serta komunitas pasar modal lainnya. such as shareholders, government and non-government
Sekretaris Perusahaan juga bertanggung jawab dalam institutions, and other capital market communities. The
menjaga citra positif perusahaan di mata seluruh pemangku Corporate Secretary is also responsible for maintaining a
kepentingan. positive corporate image among all stakeholders.
Sekretaris Perusahaan memimpin Divisi Sekretariat
Perusahaan dan memiliki tugas utama dalam mengelola The Corporate Secretary leads the Corporate Secretariat
berbagai aspek administratif serta komunikasi korporasi Division and has primary duties in managing various
guna memperkuat reputasi perusahaan. Sekretaris administrative aspects and corporate communications
Perusahaan berada di bawah dan bertanggung jawab to strengthen the company’s reputation. The Corporate
kepada Direktur Utama. Secretary reports to and is responsible to the President
Director.
DASAR PEMBENTUKAN SEKRETARIS
LEGAL BASIS FOR THE ESTABLISHMENT OF THE
Sebagai emiten atau perusahaan publik, Perseroan telah CORPORATE SECRETARY
memiliki fungsi Sekretaris Perusahaan. Fungsi tersebut As an issuer or public company, the Company has
dipegang secara perorangan oleh Sekretaris Perusahaan established a Corporate Secretary function. This function
yang mengepalai unit kerja Divisi Sekretariat Perusahaan is held individually by the Corporate Secretary, who heads
dan Hukum. Sekretaris Perusahaan memiliki posisi yang the Corporate Secretary and Legal Division work unit. The
strategis dalam rangka meningkatkan reputasi Perseroan. Corporate Secretary holds a strategic position in enhancing
the Company's reputation.
Dasar Pembentukan Sekretaris Perusahaan merujuk pada The basis for the establishment of the Corporate Secretary
peraturan otoritas dan regulator sebagai berikut: refers to the following regulatory authority regulations:
- Peraturan Otoritas Jasa Keuangan Nomor 35/ - Financial Services Authority Regulation No. 35/
POJK.04/2014 tentang Sekretaris Perusahaan Emiten POJK.04/2014 concerning the Corporate Secretary of
atau Perusahaan Publik Issuers or Public Companies.
PROFIL SEKRETARIS PERUSAHAAN PROFILE OF THE CORPORATE SECRETARY
Sekretaris Perusahaan saat dijabat oleh Ferdy Ardian, The position of Corporate Secretary is currently held by
berdasarkan Surat Keputusan Direksi No. 934/SK/DIR- Ferdy Ardian, based on the Board of Directors Decree
BB/IV/2024 tertanggal 16 April 2024. Penunjukan ini telah No. 934/SK/DIR-BB/IV/2024 dated April 16, 2024. This
dilaporkan kepada Otoritas Jasa Keuangan (OJK) dan appointment has been reported to the Financial Services
Bursa Efek Indonesia (BEI) serta diumumkan melalui situs Authority (OJK) and the Indonesia Stock Exchange (IDX),
resmi Bursa Efek Indonesia (www.idx.co.id) dan Bank and announced through the official websites of the Indonesia
Banten (www.bankbanten.co.id). Stock Exchange (www.idx.co.id) and Bank Banten (www.
bankbanten.co.id).
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
FERDY ARDIAN
Sekretaris Perusahaan / Corporate Secretary
Dasar Pengangkatan / Surat Keputusan Direksi No. 934/SK/DIR-BB/IV/2024 tertanggal 16 April 2024. / Board of Directors
Basis of Appointment Decree No. 934/SK/DIR-BB/IV/2024 dated April 16, 2024.
Kewarganegaraan / Indonesia / Indonesian
Citizenship
Usia / Age 47 tahun / 47 years old
Riwayat Pendidikan / • Sarjana Teknik Sipil, Universitas Trisakti (2001) / Bachelor of Civil Engineering, Universitas Trisakti
Education (2001)
• Magister Manajemen, Institut Pertanian Bogor (2012) / Master of Management, Institut Pertanian
Bogor (2012)
Riwayat Pekerjaan / Work PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Experience • Sekretaris Perusahaan (2024) / Corporate Secretary (2024)
• Kepala Divisi Dana Jasa & Treasury (2023) / Head of Fund Services & Treasury Division (2023)
• Pimpinan Wilayah (2022) / Regional Manager (2022)
PT Bank Bukopin Tbk
• Region Head V Retail Business Sulawesi (2021-2022)
• Region Head III Retail Business (2021)
• SVP Region III Sumatera (2020)
• Branch Manager Surabaya (2019-2020)
• Branch Manager Bandung (2017-2019)
• Branch Manager Yogyakarta (2015-2017)
• Branch Manager Cirebon (2013-2015)
• Manager Business Commercial Agribisnis and Institution (2009-2013) / Business Manager
Commercial Agribusiness and Institution (2009-2013)
• Assistant Manager SME and Micro Business (2003-2009)
Sertifikasi • Sertifikasi Manajemen Risiko Jenjang 5 / Risk Management Certification – Level 5
• ISO 37001:2016 Bribery Management System Awareness dan Internal Auditor / ISO 37001:2016
Anti-Bribery Management System Awareness and Internal Auditor
• Anti Fraud Awarenees & Sistem Manajemen Anti Penyuapan (SMAP) / Anti-Fraud Awareness & Anti-
Bribery Management System (SMAP)
TUGAS DAN TANGGUNG JAWAB SEKRETARIS DUTIES AND RESPONSIBILITIES OF THE
PERUSAHAAN CORPORATE SECRETARY
Berdasarkan POJK No. 35/POJK.04/2014, Sekretaris Based on OJK Regulation No. 35/POJK.04/2014,
Perusahaan memiliki tugas dan tanggung jawab sebagai the Corporate Secretary has the following duties and
berikut: responsibilities:
1. Mengikuti perkembangan pasar modal khususnya 1. Keeping abreast of capital market developments,
peraturan perundang-undangan yang berlaku di bidang especially relevant laws and regulations in the capital
pasar modal. market sector.
2. Memberikan masukan kepada Direksi dan Dewan 2. Providing advice to the Board of Directors and Board of
Komisaris Emiten untuk mematuhi ketentuan peraturan Commissioners of the Issuer to ensure compliance with
perundang-undangan di bidang Pasar Modal. capital market laws and regulations.
3. Membantu Direksi dan Dewan Komisaris dalam 3. Assisting the Board of Directors and Board of
pelaksanaan tata kelola Perusahaan yang meliputi Commissioners in the implementation of corporate
antara lain: governance, which includes:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
• Keterbukaan informasi kepada publik, termasuk ∙ Disclosure of information to the public, including
penyediaan informasi melalui situs web perusahaan. the provision of information through the company's
website.
• Penyampaian laporan kepada Otoritas Jasa ∙ Timely submission of reports to the Financial
Keuangan (OJK) secara tepat waktu. Services Authority (OJK).
• Penyelenggaraan dan dokumentasi Rapat Umum ∙ Organizing and documenting General Meeting of
Pemegang Saham (RUPS). Shareholders (GMS).
2025 Annual Report & Sustainability Report 311
Page 314
• Penyelenggaraan dan dokumentasi rapat Direksi ∙ Organizing and documenting meetings of the Board
dan/atau Dewan Komisaris. of Directors and/or Board of Commissioners.
• Pelaksanaan program orientasi bagi Direksi dan/ ∙ Conducting orientation programs for the Board of
atau Dewan Komisaris mengenai perusahaan. Directors and/or Board of Commissioners regarding
the company.
4. Sebagai penghubung antara emiten atau perusahaan 4. Acting as a liaison between the issuer or public company
publik dengan pemegang saham emiten atau and shareholders, the Financial Services Authority, and
perusahaan publik, Otoritas Jasa Keuangan, dan other stakeholders.
pemangku kepentingan lainnya.
PENGEMBANGAN KOMPETENSI SEKRETARIS CORPORATE SECRETARY COMPETENCY
PERUSAHAAN DEVELOPMENT
Secara berkala, Bank Banten memberikan kesempatan On a regular basis, Bank Banten provides opportunities
kepada seluruh insan Perusahaan untuk ikut serta dan for all personnel to participate in competency development
terlibat dalam program pengembangan kompetensi. programs. The Corporate Secretary participated in
Sekretaris Perusahaan telah ikutserta dalam program competency programs in 2025, including:
kompetensi di tahun 2025 di antaranya:
Tabel Pengembangan Kompetensi Sekretaris Table of Corporate Secretary Competency
Perusahaan Tahun 2025 Development in 2025
Penyelenggara /
No. Pelatihan / Training Tanggal / Date
Organizer
1 UdanganUndangan Sosialisasi Pengisian Goal Setting / Invitation to 11 Februari 2025 / Internal
Dissemination on Goal Setting Completion February 11, 2025
2 Resertifikasi Manajemen Risiko Jenjang 5 Batch 1 / Risk Management 25 April 2025 / April Efektif Pro – LSPP
Recertification Level 5 — Batch 1 25, 2025
3 Training ISO 37001:2016 Bribery Management System Awarennes Awareness 16 Mei 2025 / May Robere Asociates
dan Internal Auditor / ISO 37001:2016 Bribery Management System Awareness 16, 2025
and Internal Auditor Training
4 Sosialisasi Standar Pakain Pakaian Kerja & Penampilan Karyawan / 19 September 2025 / Internal
Dissemination on Employee Work Attire Standards & Appearance September 19, 2025
5 Training Anti Fraud Awarenees & Sistem Manajemen Anti Penyuapan (SMAP) 15 Oktober 2025 / Internal
Batch V / Anti-Fraud Awareness & Anti-Bribery Management System (SMAP) October 15, 2025
Training — Batch V
6 Training Service & Budaya: Reenergize Culture Bank Banten 2025 / Service & 18 Oktober 2025 / Master Quality – DR
Culture Training: Reenergize Culture Bank Banten 2025 October 18, 2025 Blasius Haryanto
AKTIVITAS DAN PELAKSANAAN TUGAS ACTIVITIES AND IMPLEMENTATION OF CORPORATE
SEKRETARIS PERUSAHAAN 2025 SECRETARY DUTIES IN 2025
Di sepanjang tahun 2025, Sekretaris Perusahaan telah Throughout 2025, the Corporate Secretary carried out the
melaksanakan aktivitas kegiatan sebagai berikut: following activities:
1. Aktivitas Bank sebagai Perusahaan Terbuka 1. Bank Activities as a Public Company
a. Melaksanakan Keterbukaan Informasi kepada a. Implementing Information Disclosure to the public
masyarakat secara elektronik melalui Sistem electronically through the OJK Electronic Reporting
Pelaporan Elektronik OJK dan IDXnet maupun System and IDXnet as well as non-electronically,
non elektronik, termasuk pelaporan-pelaporan including reports to Regulators regarding the status of
kepada Regulator sehubungan dengan status PT PT Bank Pembangunan Daerah Banten (Perseroda)
Bank Pembangunan Daerah Banten (Perseroda) Tbk as a public company which is the authority of the
Tbk sebagai perusahaan terbuka yang menjadi Corporate Secretary work unit, including:
kewenangan unit kerja Sekretaris Perusahaan,
meliputi :
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
KETERANGAN / DESCRIPTION
JANUARI 2025 / JANUARY 2025
6 Laporan Bulanan Registrasi Pemegang Efek Periode per Desember 2024 / Monthly Report of Securities Holder
Registration for the Period as of December 2024
21 Laporan Penggunaan Dana Hasil Penawaran Umum VI / Report on the Use of Proceeds from the VI Public Offering
21 Laporan Penggunaan Dana Hasil Penawaran Umum VII / Report on the Use of Proceeds from the VII Public Offering
24 Penyampaian Informasi Pemenuhan Kriteria Dalam Satu Grup Perusahaan / Submission of Information on Fulfillment
of Criteria in a Company Group
FEBRUARI 2025 / FEBRUARY 2025
6 Laporan Penunjukan/Perubahan Akuntan Publik dan/atau Kantor Akuntan Publik Jasa Audit atas Informasi Keuangan
Historis Tahunan / Report on the Appointment/Change of Public Accountant and/or Public Accounting Firm for Audit
Services on Annual Historical Financial Information
7 Laporan Bulanan Registrasi Pemegang Efek per 31 Januari 2025 / Monthly Report on Securities Holder Registration
as of January 31, 2025
20 Penyampaian Laporan Keuangan Tahunan Periode 31 Desember 2025 / Submission of Annual Financial Report for the
Period of December 31, 2025
MARET 2025 / MARCH 2025
4 Pemberitahuan Rencana RUPS Tahunan tanggal 10 April 2025 / Notification of Planned Annual GMS on April 10, 2025
4 Laporan Bulanan Registrasi Pemegang Efek per 28 Februari 2025 / Monthly Report on Securities Holder Registration
as of February 28, 2025
5 Penyampaian Bukti Iklan Pemberitahuan RUPS Tahunan tanggal 10 April 2025 / Submission of Advertisement for
Notice of Annual GMS on April 10, 2025
18 Rencana Penyelenggaraan Public Expose Tahunan / Planned Annual Public Expose
19 Pemanggilan RUPS Tahunan tanggal 10 April 2025 / Notice of Annual GMS on April 10, 2025
19 Pemanggilan RUPS Luar Biasa tanggal 10 April 2025 / Notice of Extraordinary GMS on April 10, 2025
21 Penyampaian Bukti Iklan Pemanggilan RUPS Tahunan tanggal 10 April 2025 / Submission of Advertisement for Notice
of Annual GMS on April 10, 2025
21 Penyampaian Bukti Iklan Pemanggilan RUPS Luar Biasa tanggal 10 April 2025 / Submission of Advertisement for
Notice of Extraordinary GMS on April 10, 2025
27 Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan Per 31 Desember 2024 / Submission of Advertisement
for Information on Annual Financial Reports as of December 31, 2024
27 Penyampaian Materi Public Expose Tahunan / Submission of Annual Public Expose Materials
APRIL 2025 / APRIL 2025
9 Laporan Bulanan Registrasi Pemegang Efek Periode per 31 Maret 2025 / Monthly Report of Securities Holder
Registration for the Period as of March 31, 2025
14 Penyampaian Ringkasan Risalah RUPS Tahunan tanggal 10 April 2025 / Submission of Summary of Minutes of the
Annual GMS dated April 10, 2025
14 Penyampaian Ringkasan Risalah RUPS Luar Biasa tanggal 10 April 2025 / Submission of Summary of Minutes of the
Extraordinary GMS dated April 10, 2025
14 Laporan Hasil Public Expose Tahunan / Annual Public Expose Results Report
15 Penyampaian Bukti Iklan Hasil RUPS Tahunan 10 April 2025 / Submission of Evidence of Advertisement of the Results
of the Annual General Meeting of Shareholders on April 10, 2025
15 Penyampaian Bukti Iklan Hasil RUPS Luar Biasa 10 April 2025 / Submission of Evidence of Advertisement of the
Results of the Extraordinary GMS on April 10, 2025
18 Prospektus Ringkas Penambahan Modal Dengan Memberikan Hak Memesan Efek Terlebih Dahulu VIII (“PMHMETD
VIII”) Kepada Para Pemegang Saham / Brief Prospectus for Capital Increase by Granting Pre-emptive Rights VIII
(“PMHMETD VIII”) to Shareholders
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
21 Penyampaian bukti Iklan Prospektus Ringkas PMHMETD VIII / Submission of proof of PMHMETD Summary Prospectus
Advertisement VIII
23 Penyampaian Laporan Tahunan & Berkelanjutan dan ESG Tahun 2024 / Submission of the 2024 Annual & Sustainability
and ESG Report
2025 Annual Report & Sustainability Report 313
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KETERANGAN / DESCRIPTION
24 Penyampaian Bukti Iklan Laporan Tahunan dan Berkelanjutan Tahun 2024 / Submission of Evidence of Advertising for
the 2024 Annual and Sustainability Reports
30 Penyampaian Bukti Iklan Informasi Laporan Keuangan Interm Tahun 2024 / Submission of Evidence of Advertising
Information for the 2024 Interim Financial Report
MEI 2025 / MAY 2025
6 Laporan Bulan Registrasi Pemegang Efek per 30 April 2025 / Report on the Month of Securities Holder Registration
as of April 30, 2025
9 Penyampaian Risalah RUPS Tahunan tanggal 10 April 2025 / Submission of Minutes of the Annual GMS dated April
10, 2025
9 Penyampaian Risalah RUPS Luar Biasa tanggal 10 April 2025 / Submission of Minutes of the Extraordinary GMS dated
April 10, 2025
JUNI 2025 / JUNE 2025
5 Laporan Bulan Registrasi Pemegang Efek per 31 Mei 2025 / Report on the Month of Securities Holder Registration as
of May 31, 2025
JULI 2025 / JULY 2025
7 Laporan Bulan Registrasi Pemegang Efek per 30 Juni 2025 / Monthly Report on Securities Holder Registration as of
June 30, 2025
10 Perubahan Alamat dan Nomor Telpon Perseroan / Change of Company Address and Telephone Number
15 Laporan Hasil Penggunaan Dana Penawaran Umum VI / Report on the Use of Proceeds from Public Offering VI
15 Laporan Hasil Penggunaan Dana Penawaran Umum VII / Report on the Use of Proceeds from Public Offering VII
AGUSTUS 2025 / AUGUST 2025
8 Laporan Bulan Registrasi Pemegang Efek per 31 Juli 2025 / Monthly Report of Securities Holder Registration as of July
31, 2025
11 Perubahan Anggota Direksi dan/atau Anggota Komisaris / Changes in Membership of the Board of Directors and/or
Board of Commissioners
SEPTEMBER 2025 / SEPTEMBER 2025
4 Laporan Bulan Registrasi Pemegang Efek per 31 Agustus 2025 / Monthly Report of Securities Holder Registration as
of August 31, 2025
9 Perubahan Komite Audit / Changes to the Audit Committee
12 Penyampaian Kembali Perubahan Komite Audit / Resubmission of Changes to the Audit Committee
OKTOBER 2025 / OCTOBER 2025
3 Laporan Bulan Registrasi Pemegang Efek per 30 September 2024 / Report on the Month of Securities Holder
Registration as of September 30, 2024
22 Pemberitahuan Rencana RUPS Luar Biasa tanggal 28 November 2025 / Notification of the Planned Extraordinary
General Meeting of Shareholders on November 28, 2025
24 Penyampaian Bukti Iklan Pemberitahuan RUPS Luar Biasa tanggal 28 November 2025 / Submission of Evidence of
Advertisement for the Notice of the Extraordinary General Meeting of Shareholders on November 28, 2025
31 Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim / Submission of Evidence of Advertisement for the Interim
Financial Report Information
NOVEMBER 2025 / NOVEMBER 2025
6 Laporan Bulan Registrasi Pemegang Efek per 31 Oktober 2025 / Report on the Month of Securities Holder Registration
as of October 31, 2025
6 Pemanggilan RUPS Luar Biasa tanggal 28 November 2025 / Notice of Extraordinary GMS on November 28, 2025
7 Penyampaian Bukti Iklan Panggilan RUPS Luar Biasa tanggal 28 November 2025 / Submission of Proof of Advertisement
for Notice of Extraordinary GMS on November 28, 2025
11 Laporan Perubahan Komposisi Pemegang Saham PT Bank Pembangunan Daerah Banten (Perseroda) Tbk / Report on
Changes in Shareholder Composition of PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
20 Penyampaian Pengunduran Diri Anggoata Direksi / Notice of Resignation of Members of the Board of Directors
20 Laporan Penunjukan/Perubahan Akuntan Publik dan/atau Kantor Akuntan Publik Jasa Audit atas Informasi Keuangan
Historis tahunan / Report on Appointment/Change of Public Accountant and/or Public Accounting Firm for Audit Services
on Annual Historical Financial Information
DESEMBER 2025 / DECEMBER 2025
2 Laporan Ringkasan Risalah RUPS Luar Biasa tanggal 28 November 2025 / Summary Report of Minutes of the
Extraordinary General Meeting of Shareholders on November 28, 2025
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KETERANGAN / DESCRIPTION
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
2 Penyampaian Penambahan Pengendalian Baik Secara Langsung Maupun Tidak Langsung Terhadap Emiten atau
Perusahaan Publik / Notification of Additional Control, Either Directly or Indirectly, Over Issuers or Public Companies
3 Penyampaian Bukti Iklan Hasil RUPS Luar Biasa tanggal 28 November 2025 / Notification of Evidence of Advertisement
of the Results of the Extraordinary General Meeting of Shareholders on November 28, 2025
10 Laporan Bulan Registrasi Pemegang Efek per 30 November 2025 / Report of the Month of Securities Holder Registration
as of November 30, 2025
10 Penyampaian Perubahan Komite Audit / Notification of Changes to the Audit Committee
15 Pemberitahuan Rencana RUPS Luar Biasa tanggal 21 Januari 2026 / Notification of Planned Extraordinary General
Meeting of Shareholders on January 21, 2026
16 Penyampaian Bukti Iklan Pemberitahuan RUPS Luar Biasa tanggal 21 Januari 2026 / Notification of Evidence of
Advertisement of Notice of the Extraordinary General Meeting of Shareholders on January 21, 2026
18 Penyampaian Penegesan Efektifnya Kelompok Usaha Bank (KUB) PT Bank Pembangunan Daerah Banten (Perseroda)
Tbk dengan PT Bank Pembangunan Daerah Jawa Timur Tbk / Notification of Confirmation of the Effectiveness of the
Bank Business Group (KUB) of PT Bank Pembangunan Daerah Banten (Perseroda) Tbk with PT Bank Pembangunan
Daerah Jawa Timur Tbk
22 Penyampaian Risalah RUPS Luar Biasa tanggal 28 November 2025 / Notification of Minutes of the Extraordinary
General Meeting of Shareholders on November 28, 2025
30 Pemanggilan RUPS Luar Biasa tanggal 21 Januari 2026 / Notice of the Extraordinary General Meeting of Shareholders
on January 21, 2026
31 Penyampaian Bukti Iklan Pemanggilan RUPS Luar Biasa tanggal 21 Januari 2026 / Notice of Advertisement of Notice
of the Extraordinary General Meeting of Shareholders on January 21, 2026
b. Menyelenggarakan dan mendokumentasikan RUPS b. Organized and documented Annual and
Tahunan/Luar Biasa serta Public Expose sepanjang Extraordinary General Meetings of Shareholders
tahun 2025. (GMS) as well as Public Expose events throughout
2024.
No Keterangan / Description Tanggal / Date
1 Rapat Umum Pemegang Saham Tahunan / Annual General Meeting of 10 April 2025 / April 10, 2025
Shareholders
2 Rapat Umum Pemegang Saham Luar Biasa / Extraordinary General 10 April 2025 / April 10, 2025
Meeting of Shareholders
3 Public Expose Tahunan / Annual Public Expose 10 April 2025 / April 10, 2025
4 Rapat Umum Pemegang Saham Luar Biasa / Extraordinary General 28 November 2025 / November 28, 2025
Meeting of Shareholders
c. Menyusun Laporan Tahunan Tahun Buku 2024 c. Prepared the 2024 Annual Report and submit it to
serta menyampaikannya kepada Regulator terkait. the relevant regulators.
d. Melaksanakan fungsi kepatuhan Bank terhadap d. Carried out the Bank's compliance function with
peraturan-peraturan di bidang pasar modal. capital market regulations.
e. Menyusun laporan analisa ekonomi dan saham BEKS e. Prepared weekly and monthly BEKS economic and
mingguan dan bulanan serta menyampaikannya stock analysis reports and submit them to the Board
kepada Direksi dan divisi terkait. of Directors and relevant divisions.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2. Aktivitas Komunikasi Korporasi 2. Corporate Communication Activities
a. Menetapkan kebijakan dan strategi komunikasi a. Established corporate communication policies
Perusahaan seperti penyusunan Soft Structure and strategies, such as developing soft structures
(Kebijakan/SOP), Pelaksanaan Literasi/Edukasi (policies/SOPs), implementing financial literacy/
dan Inklusi Keuangan, Media Handling, Corporate education and inclusion, media handling, corporate
Branding, Orkestrasi Event Perusahaan, branding, orchestrating corporate events, managing
Pengelolaan website & media Sosial, Manajemen websites and social media, managing promotional
biaya & anggaran promosi, penyampaian pelaporan costs and budgets, submitting reports, and
2025 Annual Report & Sustainability Report 315
Page 318
serta implementasi strategi perusahaan lainnya implementing other contextual corporate strategies
yang bersifat kontekstual (sesuai dengan momen (appropriate to the moment and conditions), including
dan kondisi) termasuk penguatan Manajemen Risiko strengthening Governance Risk Management;
Tata Kelola;
b. Melakukan aktivitas komunikasi yang bersifat b. Conducted bank-wide/corporate communication
bankwide/korporasi kepada pemangku kepentingan activities with both internal and external stakeholders,
baik internal maupun eksternal Korporasi antara including:
lain:
1) Penyusunan Press Release dan publikasi di o Preparing press releases and publishing them in
media massa termasuk media online untuk mass media, including online media, to inform about
menginformasikan nilai tambah, momen positif added value, positive events, and various activities,
serta berbagai kegiatan yang dijalankan, baik both related to the Bank's performance and other
yang terkait dengan kinerja Bank maupun activities;
kegiatan lainnya:
2) Melaksanakan tindakan antisipatif dan korektif o Implementing anticipatory and corrective actions
atas setiap pemberitaan dan iklan di media for all news and advertisements in mass media,
massa termasuk media online. including online media;
3) Mendukung unit-unit kerja terkait dalam o Supporting relevant work units in resolving customer
penyelesaian keluhan nasabah. complaints;
4) Melaksanakan pengelolaan Website Bank o Managing the Bank's website in collaboration with
bersama dengan Unit Kerja terkait. relevant work units;
5) Melaksanakan fungsi pengelolaan risiko yang o Implementing risk management functions, including
meliputi proses identifikasi, pengukuran, the identification, measurement, monitoring, and
pemantauan dan pengendalian manajemen control of reputation risk management.
risiko reputasi.
Terkait Manajemen Risiko Reputasi dalam hal ini Regarding Reputational Risk Management, specifically
Pemberitaan, di Tahun 2025 telah terdapat perbaikan in the news, in 2025 there was improvement in both the
baik dari sisi jumlah maupun rasio/persentase berita number and ratio/percentage of positive news. In the
positif. Pada periode Tahun sebelumnya yakni di 2024, previous year, in 2024, there were a total of 855 news
terdapat sebanyak total 855 berita dengan 126 atau stories, of which 126, or nearly 15%, were negative, and
hampir 15%-nya adalah bernada/tone Negatif dan 69.4% were positive. In 2025, the total number of news
berita positif sebesar 69,4% . Di 2025, jumlah berita stories increased by 346 to 1,201, with positive news
menjadi total 1.201 atau meningkat 346, dan berita accounting for nearly 90% and negative news reduced
positif menhadi hampir 90% serta berita negatif berhasil to 4.25%. This indicates a strengthening of Reputational
ditekan menjadi 4,25%. Hal ini menandakan penguatan Risk Management and an improvement in positive
pengelolaan Manajemen Risiko Reputasi serta adanya communication with stakeholders.
peningkatan hubungan komunikasi positif dengan
stakeholders.
Tabel Siaran Pers Bank Banten Tahun 2025 Table of Bank Banten Press Release in 2025
No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
1 6 Januari 2025 / Bank Banten Salurkan Bantuan Penanganan Kemiskinan Provinsi Banten / Bank Banten Distributes Poverty Alleviation
January 6, 2025 Assistance in Banten Province
2 7 Januari 2025 / Perkuat Sinergi dan Kolaborasi untuk Dukung Pembangunan Daerah, Bank Banten Silaturahmi dengan DPRD Kota
January 7, 2025 Serang / Strengthening Synergy and Collaboration to Support Regional Development, Bank Banten Meets with the
Serang City Council
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No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
3 9 Januari 2025 / Stakeholders Gathering: Penguatan Bank Banten, Komitmen untuk Pembangunan di Banten / Stakeholders Gathering:
January 9, 2025 Strengthening Bank Banten, Commitment to Development in Banten
4 20 Januari 2025 / Buktikan Komitmen Pelayanan Terbaik, Bank Banten Resmikan KCP Puspemkab Tangerang / Demonstrating its
January 20, 2025 Commitment to Excellent Service, Bank Banten Inaugurates Tangerang Regency Government Branch Office
5 22 Januari 2025 / Bank Banten Apresiasi Nasabah Setia melalui Customer Gathering / Bank Banten Appreciates Loyal Customers
January 22, 2025 through Customer Gathering
6 31 Januari 2025 / Siap Genjot dan Akselerasi Pertumbuhan Tahun 2025, Bank Banten Selenggarakan Kick Off Bisnis / Ready to Boost
January 31, 2025 and Accelerate Growth in 2025, Bank Banten Holds Business Kick-Of
7 5 Februari 2025 / Sinergitas Bisnis Bank Banten dengan Bank Jatim / Business Synergy between Bank Banten and Bank Jatim
February 5, 2025
8 6 Februari 2025 / Dukung Program Disnaker Provinsi Banten, Bank Banten Hadir dalam Apel Bulan K3 / Bank Banten Participates in the
February 6, 2025 Occupational Health and Safety Month Roll Call in Support of the Banten Province Manpower Office Program
9 8 Februari 2025 / Bank Banten Hadir pada pelantikan Kepengurusan Kadin Kab Serang, Siap dan Tetap bersinergi Optimal / Bank
February 8, 2025 Banten Present at the Inauguration of the Serang Regency Chamber of Commerce and Industry Management, Ready
and Maintaining Optimal Synergy
10 10 Februari 2025 / Bank Banten Perkuat Sinergi dengan FISIP Universitas Setia Budhi Rangkasbitung / Bank Banten Strengthens
February 10, 2025 Synergy with the Faculty of Social and Political Sciences, Setia Budhi University, Rangkasbitung
11 25 Februari 2025 / Bank Banten Catat Peningkatan Laba di 2024, Lanjutkan Tren Positif Sejak 2023 / Bank Banten Reports Increased
February 25, 2025 Profit in 2024, Continuing Positive Trend Since 2023
12 3 Maret 2025 / Hadir Sertijab Lebak: Bank Banten Siap Dukung Program Pemkab Lebak / Attending the Lebak Handover Ceremony:
March 3, 2025 Bank Banten Ready to Support Lebak Regency Government Programs
13 5 Maret 2025 / Menteri UMKM Dukung Bank Banten: Ajak Masyarakat Manfaatkan Layanan Perbankan / The Minister of MSMEs
March 5, 2025 Supports Bank Banten: Encourages the Public to Take Advantage of Banking Services
14 7 Maret 2025 / Bank Banten Raih Penghargaan Ekbispar Award 2025 dalam Inovasi Layanan Digital / Bank Banten Wins 2025
March 7, 2025 Ekbispar Award for Digital Service Innovation
15 8 Maret 2025 / Gubernur Banten: Sinergi Pemerintah dan Bank Banten Kunci Kemajuan Pemkab Tangerang / Banten Governor:
March 8, 2025 Synergy between the Government and Bank Banten is Key to the Progress of the Tangerang Regency Government
16 9 Maret 2025 / Direksi Bank Banten Hadiri Sertijab Gubernur dan Wakil Gubernur Banten / Bank Banten Directors Attend Handover
March 9, 2025 Ceremony for Governor and Deputy Governor of Banten
17 9 Maret 2025 / Bank Banten Tegaskan Dukungan Program Pembangunan di Kota Tangerang / Bank Banten Affirms Support for
March 9, 2025 Development Programs in Tangerang City
No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
18 9 Maret 2025 / Robinsar Resmi Jabat Wali Kota Cilegon, Direksi Bank Banten Beri Ucapan Selamat / Robinsar Officially Appointed
March 9, 2025 Mayor of Cilegon, Bank Banten Directors Congratulate Him
19 9 Maret 2025 / Benyamin-Pilar Ditetapkan Sebagai Wali Kota dan Wakil Wali Kota Tangsel 2025-2030, Bank Banten Siap Dukung
March 9, 2025 Program Pemerintah / Benyamin-Pilar Appointed as Mayor and Deputy Mayor of South Tangerang for 2025-2030,
Bank Banten Ready to Support Government Programs
20 12 Maret 2025 / Bank Banten Konsisten Jaga Pertumbuhan Laba, Penguatan Bisnis & Tata Kelola serta Sinergitas dengan Stakeholders
March 12, 2025 / Bank Banten Consistently Maintains Profit Growth, Strengthens Business & Governance, and Synergizes with
Stakeholders
21 13 Maret 2025 / Dukung program Pemerintah dan tingkatkan Kesejahteraan Masyarakat, Bank Banten Hadir dan berikan bantuan
March 13, 2025 dalam Safari Ramadan Kota Tangerang / Supporting government programs and improving community welfare, Bank
Banten is present and providing assistance at the Tangerang City Ramadan Safari.
22 13 Maret 2025 / Sinergi dengan Pemerintah Provinsi Banten, Bank Banten Hadir dan berikan bantuan dalam Safari Ramadan
March 13, 2025 Kabupaten Pandeglang / In synergy with the Banten Provincial Government, Bank Banten was present and provided
assistance at the Pandeglang Regency Ramadan Safari.
23 14 Maret 2025 / Hadir dalam Safari Ramadhan 1446 H Kota Serang, Bank Banten Berikan Bantuan untuk Masjid Jami Baitu Taqwa /
March 14, 2025 Bank Banten Provides Assistance to Baitu Taqwa Grand Mosque at Serang City’s 1446 H Ramadan Safari
24 15 Maret 2025 / Bank Banten Kembali Hadir dalam Safari Ramadan bersama Pemprov Banten di Kota Tangerang / Bank Banten
March 15, 2025 Returns to Ramadan Safari with the Banten Provincial Government in Tangerang City
25 18 Maret 2025 / Tindaklanjuti MoU dengan Pemkab Tangerang, Bank Banten Tandatangani Kerjasama dengan RSUD Balaraja /
March 18, 2025 Following up on the MoU with the Tangerang Regency Government, Bank Banten signed a collaboration agreement
with Balaraja Regional Hospital.
26 20 Maret 2025 / Bank Banten Raih Dua Penghargaan di 14th Infobank - Isentia Digital Brand Appreciation 2025 / Bank Banten Wins
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
March 20, 2025 Two Awards at the 14th Infobank - Isentia Digital Brand Appreciation 2025
27 26 Maret 2025 / Bank Banten Berbagi Berkah Ramadan 1446 H: Gelar Bakti Sosial dan Buka Puasa Bersama / Bank Banten Shares
March 26, 2025 Ramadan Blessings 1446 H: Holds Community Service and Breaks Fast Together
28 27 Maret 2025 / Wali Kota Serang Buka Rekening di Bank Banten, Bentuk Dukungan dan Perkuat Sinergi Pengelolaan Keuangan
March 27, 2025 Daerah / The Mayor of Serang Opens an Account at Bank Banten, Demonstrating Support and Strengthening Synergy
in Regional Financial Management.
29 10 April 2025 / April Bank Banten Gelar RUPS-T & RUPS-LB serta Public Expose, Catat Laba Bersih Rp 39,33 Miliar di Tahun 2024 dan
10, 2025 siap Lanjutkan Kinerja Positif / Bank Banten Holds Annual General Meeting of Shareholders (AGMS), Extraordinary
General Meeting of Shareholders (EGMS), and Public Expose, Records Net Profit of IDR 39.33 Billion in 2024 and is
Ready to Continue Positive Performance
2025 Annual Report & Sustainability Report 317
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No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
30 15 April 2025 / April Laba Beruntun 2 Tahun dan Permodalan Kuat, Bank Banten siap dukung Program Pemerintah / With a two-year profit
15, 2025 streak and strong capitalization, Bank Banten is ready to support government programs.
31 16 April 2025 / April Berikan Bunga Kompetitif dan Persyaratan Mudah, “Jawara Bundling” Bank Banten Jawab Kebutuhan Nasabah /
16, 2025 Offering Competitive Interest Rates and Easy Requirements, Bank Banten’s “Bundling Champion” Meets Customer
Needs
32 18 April 2025 / April KUB dengan Bank Jatim terus berjalan, Bank Banten tetap buka Peluang Kolaborasi antar-Bank / KUB with Bank
18, 2025 Jatim continues to operate, Bank Banten remains open to opportunities for inter-bank collaboration.
33 18 April 2025 / April Kinerja Terus Meningkat, Bank Banten Lanjutkan KUB dan Siap Kolaborasi / Bank Banten Continues KUB Program
18, 2025 and Ready for Collaboration with Performance Improvement
34 25 April 2025 / April Bank Banten Dukung Program Pemprov Banten dan Sinergi dengan Pelaku Usaha / Bank Banten Supports Banten
25, 2025 Provincial Government Programs and Synergizes with Business Actors
35 26 April 2025 / April Paparkan Kinerja Positif Triwulan I 2025, Bank Banten didukung Komisi III DPRD Provinsi Banten / Bank Banten,
26, 2025 supported by Commission III of the Banten Provincial DPRD, presented its positive performance in the first quarter
of 2025.
36 29 April 2025 / April Tegaskan Komitmen Sinergitas, Bank Banten Berpartisipasi dalam Silaturahmi Bersama Gubernur Banten dan Pelaku
29, 2025 Usaha / Affirming its Commitment to Synergy, Bank Banten Participates in a Gathering with the Governor of Banten
and Business Actors
37 30 April 2025 / April Bank Banten Hadir dalam Silaturahmi Gubernur Banten dengan Pelaku Usaha, Dukung Pertumbuhan Investasi di
30, 2025 Banten / Bank Banten Attends Banten Governor’s Gathering with Business Owners, Supports Investment Growth in
Banten
38 5 Mei 2025 / May Lanjutkan Tren Kinerja Positif, Bank Banten terus Jaga Sinergi dengan Stakeholders / Continuing its Positive
5, 2025 Performance Trend, Bank Banten Continues to Maintain Synergy with Stakeholders
39 7 Mei 2025 / May Tingkatkan Sinergi, Bank Banten Gelar Pertemuan Lanjutan dengan Pemerintah Kabupaten Pandeglang / Bank
7, 2025 Banten Holds Follow-Up Meeting with Pandeglang Regency Government to Enhance Synergy
40 9 Mei 2025 / May Buka Rekening Bank Banten, Ini Bukti Nyata Dukungan Wakil Bupati Pandeglang / Opening a Bank Banten Account:
9, 2025 This Is Clear Evidence of Support from the Deputy Regent of Pandeglang
41 10 Mei 2025 / May Tumbuh 67,96 Persen, BEKS Kantongi Laba Rp3,46 M di Kuartal I 2025 / BEKS Posts Rp3.46 Billion in Profit in Q1
10, 2025 2025, Growing 67.96 Percent
42 11 Mei 2025 / May Waspadai Informasi Palsu: Marak Konten Undian Berhadiah Mengatasnamakan Bank Banten / Beware of False
11, 2025 Information: Prize Draw Content Claiming to Be Bank Banten is on the Rise
43 14 Mei 2025 / May Bank Banten Dipercaya Menjadi Mitra Program Sekolah Gratis Provinsi Banten / Bank Banten is Trusted to Become a
14, 2025 Partner in the Banten Province Free School Program
44 14 Mei 2025 / May Dukung Banten Book Fair 2025, Bank Banten Perkuat Budaya Literasi di Bumi Jawara / Bank Banten Supports the
14, 2025 2025 Banten Book Fair, Strengthening Literacy Culture in the Land of Champions
45 22 Mei 2025 / May Perkuat Sinergi dan Dukungan untuk Pemerintah Daerah, Bank Banten Tandatangani PKS SIPD / Bank Banten Signs
22, 2025 SIPD Agreement to Strengthen Synergy and Support for Regional Governments
No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
46 25 Mei 2025 / May Tingkatkan Sinergi dengan Dunia Pendidikan, Bank Banten KC Makassar Gelar Pertemuan dengan Yayasan Paulus /
25, 2025 Bank Banten Makassar Branch Holds Meeting with Paulus Foundation to Enhance Synergy with Education
47 25 Mei 2025 / May Tindak Lanjut KUB Bank Banten dengan Bank Jatim, Gubernur Banten Temui Gubernur Jatim / Following up on the
25, 2025 KUB Bank Banten with Bank Jatim, the Governor of Banten met with the Governor of East Java.
48 26 Mei 2025 / May Sinergi Pengembangan UMKM dan Digitalisasi, Bank Banten Partisipasi dalam kegiatan DIGIWARA Festival Bank
26, 2025 Indonesia / Synergy of MSME Development and Digitalization, Bank Banten Participates in Bank Indonesia’s
DIGIWARA Festival activities
49 27 Mei 2025 / May Siap bersinergi, Dirut Bank Banten hadiri Pelantikan Bupati Serang / Ready to synergize, the President Director of
27, 2025 Bank Banten attended the inauguration of the Regent of Serang
50 4 Juni 2025 / June Bahas Pembangunan dan Penguatan Sinergi, Bank Banten Lakukan Audiensi dengan Bupati Serang bersama
4, 2025 Gubernur Banten / Bank Banten held an audience with the Regent of Serang and the Governor of Banten to discuss
development and strengthening synergy.
51 4 Juni 2025 / June Audiensi DPRD Kab. Serang / Serang Regency DPRD Audience
4, 2025
52 5 Juni 2025 / June Tanggapan Bank Banten atas Pemberitaan Penyebaran Data-Data Nasabah oleh Pihak yang Tidak Bertanggungjawab
5, 2025 / Bank Banten’s Response to News of the Distribution of Customer Data by Irresponsible Parties
53 23 Juni 2025 / June Bahas Progres KUB dan RAPERDA, Pansus III DPRD Provinsi Banten dan Bank Banten Lakukan Kunjungan Kerja
23, 2025 ke Bank Jatim / Discussing the progress of the KUB and the Draft Regional Regulation, Special Committee III of the
Banten Provincial DPRD and Bank Banten conducted a working visit to Bank Jatim.
54 25 Juni 2025 / June Klarifikasi Bank Banten terkait Konten/Video Pelayanan Petugas SAMSAT / Bank Banten’s Clarification Regarding
25, 2025 SAMSAT Officer Service Content/Videos
55 8 Juli 2025 / July 8, Perkuat Sinergi, Bank Banten Gelar Coffee Morning Bersama Pemerintah Kota Serang / Strengthening Synergy, Bank
2025 Banten Holds Coffee Morning with Serang City Government
56 9 Juli 2025 / July 9, Bentuk Dukungan dan Sinergi, Bank Banten Hadiri Pelantikan Sekda Provinsi Banten / As a Form of Support and
2025 Synergy, Bank Banten Attends the Inauguration of the Regional Secretary of Banten Province
57 17 Juli 2025 / July Semakin Dekat dengan Stakeholder, Kantor Pusat Bank Banten efektif berkantor di ibu kota Provinsi Banten / Closer
17, 2025 to Stakeholders, Bank Banten Head Office is effectively based in the capital of Banten Province
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
58 29 Juli 2025 / July Puncak Acara HUT ke-9 dan Peresmian Grha Bank Banten, Bukti Dukungan dan Kepercayaan Stakeholders / The
29, 2025 highlight of the 9th anniversary and the inauguration of Grha Bank Banten, evidence of stakeholder support and trust.
59 6 Agustus 2025 / Waspada Penipuan! Bank Banten Imbau Nasabah Hati-hati Terhadap Informasi Undian Palsu / Beware of Fraud! Bank
August 6, 2025 Banten Urges Customers to Beware of Fake Lottery Information
60 8 Agustus 2025 / Bank Banten Siap Salurkan Gaji PPPK Kabupaten Pandeglang / Bank Banten Ready to Distribute PPPK Salaries to
August 8, 2025 Pandeglang Regency
61 11 Agustus 2025 / CORPORATE STATEMENT ISU PENYEDIA BARANG/JASA / CORPORATE STATEMENT ON PROVIDERS OF
August 11, 2025 GOODS/SERVICES
62 11 Agustus 2025 / Bank Banten Tunjukan Kinerja Positif di Semester 1 Tahun 2025, Pertumbuhan Aset dan Kredit Jadi Faktor
August 11, 2025 Penopangnya / Bank Banten Shows Positive Performance in the First Half of 2025, with Asset and Credit Growth
Supporting It
63 12 Agustus 2025 / Bank Banten Resmi Salurkan Gaji PPPK Formasi 2024 Kabupaten Pandeglang / Bank Banten Officially Distributes
August 12, 2025 Salaries for the 2024 PPPK Formation in Pandeglang Regency
64 14 Agustus 2025 / Digitalisasi Keuangan Daerah: Bank Banten Dorong Implementasi SP2D Online di Kabupaten Lebak / Regional
August 14, 2025 Financial Digitalization: Bank Banten Encourages Implementation of Online SP2D in Lebak Regency
65 19 Agustus 2025 / Bank Banten Pastikan Layanan Samsat Transparan, Imbau Masyarakat Waspadai Informasi Negatif & Hoaks / Bank
August 19, 2025 Banten Ensures Transparency of Samsat Services, Urges Public to Beware of Negative Information and Hoaxes
66 21 Agustus 2025 / Bank Banten Pastikan Layanan Penyaluran Bansos Dilakukan dengan Optimal dan Transparan, Imbau Masyarakat
August 21, 2025 Waspadai Informasi Negatif & Hoaks / Bank Banten Ensures Optimal and Transparent Social Assistance Distribution
Services, Urges the Public to Be Aware of Negative Information and Hoaxes
67 25 Agustus 2025 / PR - 67 Komisi I DPRD Provinsi Kalimantan Tengah Lakukan Kunjungan Kerja ke Bank Banten / PR - 67 Commission
August 25, 2025 I of the Central Kalimantan Provincial DPRD Conducts a Working Visit to Bank Banten
68 26 Agustus 2025 / Bank Banten Raih Prestasi di Ajang Porsebank Provinsi Banten & Jawa Timur HUT BI ke-72 & HUT RI ke-80 / Bank
August 26, 2025 Banten Achieves Achievements at the Porsebank Event in Banten & East Java Provinces for the 72nd Anniversary of
BI & the 80th Anniversary of the Republic of Indonesia
69 27 Agustus 2025 / Pelantikan Desa Bersatu Lebak / Inauguration of the United Village of Lebak
August 27, 2025
70 1 September 2025 / Bank Banten Terima Piagam Wajib Pajak dari KPP Pratama PMB / Bank Banten Receives Taxpayer Certificate from
September 1, 2025 KPP Pratama PMB
71 4 September 2025 / Bank Banten Jalin Silaturahmi dengan Pemkot Cilegon, Perkuat Sinergi dan Kolaborasi / Bank Banten Establishes
September 4, 2025 Close Ties with the Cilegon City Government, Strengthening Synergy and Collaboration
72 4 September 2025 / Gubernur Andra Soni Hadiri Peringatan Harpelnas di Bank Banten / Governor Andra Soni Attends National Education
September 4, 2025 Day Commemoration at Bank Banten
73 11 September 2025 Dari Banten untuk Banten, Bank Banten Catat Kinerja Positif, Tumbuh Bersama Masyarakat / From Banten to Banten,
/ September 11, Bank Banten Records Positive Performance, Growing with the Community
2025
74 15 September 2025 Bank Banten dan Pemkab Serang Tandatangani Perjanjian Kerjasama Pembayaran Gaji dan Tunjangan PPPK Tahun
/ September 15, 2025 / Bank Banten and the Serang Regency Government Sign a Cooperation Agreement on the Payment of Salaries
2025 and Allowances for PPPK in 2025.
75 15 September 2025 Dukung Penuh Program Sekolah Gratis Pemprov Banten, Bank Banten Siap Salurkan Dana ke Penerima / Bank
/ September 15, Banten Fully Supports the Banten Provincial Government’s Free School Program, Ready to Distribute Funds to
2025 Recipients
76 15 September 2025 Bank Banten Pertegas Peran Strategis dalam Mendukung Program Sekolah Gratis / Bank Banten Emphasizes
/ September 15, Strategic Role in Supporting Free School Program
2025
No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
77 16 September 2025 Bank Banten Rayakan Maulid Nabi Muhammad SAW dengan Berbagi kepada Yatim dan Dhuafa / Bank Banten
/ September 16, Celebrates the Birthday of the Prophet Muhammad SAW by Sharing with Orphans and the Poor
2025
78 17 September 2025 Didukung Penuh Stakeholders, Permodalan, Tata Kelola, Bisnis dan Layanan Bank Banten Tetap Terjaga / Fully
/ September 17, Supported by Stakeholders, Bank Banten’s Capital, Governance, Business, and Services Remain Secure
2025
79 24 September 2025 Bank Banten Tegaskan Komitmen Dukungan & Inovasi Pelayanan Kesehatan di RSUD Balaraja, Kabupaten Tangerang
/ September 24, / Bank Banten Affirms Commitment to Support and Innovation in Healthcare Services at Balaraja Regional Hospital,
2025 Tangerang Regency
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
80 1 Oktober 2025 / Bank Banten Pastikan Layanan Optimal dan Dana Nasabah Tetap Aman / Bank Banten Ensures Optimal Service and
October 1, 2025 Secure Customer Funds
81 2 Oktober 2025 / Gencarkan Sinergi Digital di Sektor Kesehatan, Bank Banten bersama Bank Jatim Kolaborasi dengan RSU Kabupaten
October 2, 2025 Tangerang / Bank Banten and Bank Jatim Collaborate with Tangerang Regency General Hospital to Intensify Digital
Synergy in the Healthcare Sector
82 10 Oktober 2025 / Berikan Kontribusi Nyata, Kehadiran Bank Banten Semakin Dirasakan Masyarakat Sekitar / Making a Real Contribution,
October 10, 2025 Bank Banten’s Presence is Increasingly Felt by the Surrounding Community
2025 Annual Report & Sustainability Report 319
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No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
83 10 Oktober 2025 / Konsisten Jaga Kinerja Positif dan Tata Kelola yang Baik, Bank Banten Terima “Banten Achievement Award 2025” /
October 10, 2025 Bank Banten Receives the 2025 Banten Achievement Award for Consistently Maintaining Positive Performance and
Good Governance
84 13 Oktober 2025 Terus Perkuat Sinergi, Bank Banten Hadir dan Berpartisipasi dalam Rangkaian HUT ke-393 Kabupaten Tangerang /
/ October 13, 2025 Continuing to Strengthen Synergy, Bank Banten Present and Participated in the Series of Celebrations for the 393rd
Anniversary of Tangerang Regency
85 13 Oktober 2025 / Bank Banten dan UNTIRTA Perkuat Sinergi dan Kolaborasi melalui Penandatanganan MoU / Bank Banten and
October 13, 2025 UNTIRTA Strengthen Synergy and Collaboration through the Signing of an MoU
86 13 Oktober 2025 / Eratkan Silaturahim dan Sinergi, Bank Banten Kunjungi DANREM 064/MY / Strengthening Relationships and Synergy,
October 13, 2025 Bank Banten Visits the Commander of the 064/MY Military Regional Command
87 18 Oktober 2025 / Perkuat Kolaborasi dan Sinergi BUMD Provinsi Banten, Bank Banten Teken PKS Dengan PT ABM / Strengthening
October 18, 2025 Collaboration and Synergy between Banten Province’s Regional-Owned Enterprises (BUMD), Bank Banten Signs
PKS with PT ABM
88 20 Oktober 2025 / Bank Banten Meriahkan Senam Massal HUT ke-25 Provinsi Banten / Bank Banten Enlivens Mass Gymnastics for
October 20, 2025 Banten Province’s 25th Anniversary
89 22 Oktober 2025 Sinergi Semakin Kokoh, BLUD RSUD Balaraja Kelola Keuangan di Bank Banten / Strengthening Synergy, Balaraja
/ October 22, 2025 Regional Public Hospital’s Public Service Agency (BLUD) Manages Finances at Bank Banten
90 24 Oktober 2025 / Bank Banten Tegaskan Komitmen Menjaga GCG dan Integritas / Bank Banten Affirms Commitment to Maintaining
October 24, 2025 GCG and Integrity
91 27 Oktober 2025 / Bank Banten berperan aktif dan mendukung peringatan Hari Sumpah Pemuda ke-97 tahun 2025 bersama Dinas
October 27, 2025 Pemuda dan Olahraga (Dispora) Provinsi Banten / Bank Banten plays an active role and supports the commemoration
of the 97th Youth Pledge Day in 2025 together with the Youth and Sports Service (Dispora) of Banten Province.
92 27 Oktober 2025 / Hadiri Pisah Sambut Kajati, Bank Banten Dukung Sinergi Penegakan Hukum yang Solutif dan Berintegritas / Attending
October 27, 2025 the Farewell Ceremony for the High Prosecutor, Bank Banten Supports Synergy in Law Enforcement that is Solution-
Oriented and Integrity-Based
93 27 Oktober 2025 / Bank Banten KC Manado Meriahkan Puncak Bulan Inklusi Keuangan 2025 di Sulawesi Utara / Bank Banten Manado
October 27, 2025 Branch Celebrates the Peak of Financial Inclusion Month 2025 in North Sulawesi
94 27 Oktober 2025 / Sinergi Organisasi Kian Kuat, SEKAR Bank Banten Sukses Gelar Munas Ke-1 /c Organizational Synergy Strengthens,
October 27, 2025 SEKAR Bank Banten Successfully Holds 1st National Conference
95 1 November 2025 / Bank Banten Kantongi Laba Rp10,70 Miliar di Kuartal III 2025, Melonjak 43,34 Persen / Bank Banten Posts Rp10.70
November 1, 2025 Billion in Profit in Q3 2025, a 43.34 Percent Increase
96 4 November 2025 / Bank Banten Dukung Suksesnya Program Sekolah Gratis di Banten / Bank Banten Supports the Success of the Free
November 4, 2025 School Program in Banten
97 5 November 2025 / Komitmen Dorong Inklusi Keuangan, Bank Banten Dukung Fin Expo Banten 2025 / Bank Banten Supports Fin Expo
November 5, 2025 Banten 2025, Committed to Encouraging Financial Inclusion
98 5 November 2025 / CORPORATE STATEMENT ISU GRATIFIKASI / CORPORATE STATEMENT ON THE ISSUE OF GRATUITY
November 5, 2025
99 11 November 2025 / Bank Jatim Resmi Jadi Pemegang Saham Bank Banten, Harga Saham BEKS Naik / Bank Jatim Officially Becomes a
November 11, 2025 Shareholder of Bank Banten, BEKS Share Price Rises
100 13 November 2025 / Bank Banten Konsisten Dorong Literasi Keuangan, Sambut Kunjungan Edukasi SMK Al-Insan Cilegon / Bank Banten
November 13, 2025 Consistently Promotes Financial Literacy, Welcomes Educational Visit from Al-Insan Cilegon Vocational School
101 13 November 2025 / Konsisten Dorong Transparansi, Dirut Bank Banten Dianugerahi Penghargaan Komisi Informasi / Bank Banten’s CEO
November 13, 2025 Receives Information Commission Award for Consistently Promoting Transparency
102 18 November 2025 / Meriahkan HUT ke-54 KORPRI Bank Banten Hadir dengan Layanan dan Edukasi di Kabupaten Tangerang / Bank
November 18, 2025 Banten Celebrates KORPRI’s 54th Anniversary with Services and Education in Tangerang Regency
103 19 November 2025 / Tren Kinerja Melesat dan KUB masuk Tahap Akhir, Wagub Banten Ajak Pemda Perkuat Bank Banten / With
November 19, 2025 the performance trend soaring and the KUB entering its final stage, the Deputy Governor of Banten urges local
governments to strengthen Bank Banten.
104 20 November 2025 / Bank Banten Sampaikan Informasi Resmi Terkait Pengunduran Diri Anggota Direksi / Bank Banten Issues Official
November 20, 2025 Information Regarding the Resignation of a Member of the Board of Directors
105 28 November 2025 / RUPS Bank Banten Sahkan Bank Jatim sebagai PSP ke-2, Kinerja 2025 Tumbuh Signifikan / Bank Banten’s General
November 28, 2025 Meeting of Shareholders (GMS) Approves Bank Jatim as its Second PSP, with Performance Significantly Growing in
2025
106 30 November 2025 / Dukung Bank Daerah, KH. Embay Mulya Syarif Ajak Kepala Daerah di Banten Tempatkan Kasda di Bank Banten /
November 30, 2025 Supporting Regional Banks, KH. Embay Mulya Syarif Invites Regional Heads in Banten to Place Regional Treasury
at Bank Banten
107 30 November 2025 / Bank Banten Dukung HPN 2026 dan Tandatangani MoU dengan PWI Banten / Bank Banten Supports National Press
November 30, 2025 Day 2026 and Signs MoU with PWI Banten
No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
108 5 Desember 2025 / Bank Banten Raih Penghargaan Sebagai Perbankan Daerah Terpopuler pada Disway Award 2025 / Bank Banten
December 5, 2025 Wins Most Popular Regional Banking Award at the 2025 Disway Awards
109 10 Desember 2025 / Bank Banten Salurkan Bantuan untuk Korban Bencana di Sumatera / Bank Banten Distributes Aid to Disaster Victims
December 10, 2025 in Sumatra
320 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 323
No. Tanggal / Date Judul / Lingkup / Topik / Title/Scope/Topic
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
110 11 Desember 2025 / Dukung Peningkatan Kesejahteraan Masyarakat, Bank Banten Salurkan Berbagai Bantuan Sosial / Bank Banten
December 11, 2025 Distributes Various Social Assistance Programs to Support Community Welfare Improvement
111 16 Desember 2025 / Tahun 2025 KUB Efektif, Tahun 2026 Bank Banten SIAP MELESAT / 2025 KUB Effective, 2026 Bank Banten READY
December 16, 2025 TO SOAR
112 19 Desember 2025 / Pemprov Banten, Kabupaten Lebak, dan Kota Serang Lanjutkan Pengelolaan RKUD di Bank Banten / Banten
December 19, 2025 Provincial Government, Lebak Regency, and Serang City Continue RKUD Management at Bank Banten
113 20 Desember 2025 / Corporate Statement Dugaan Pembobolan Mesin ATM 17 Desember 2025 / Corporate Statement on Alleged ATM
December 20, 2025 Machine Breach on December 17, 2025
114 24 Desember 2025 / Resmi! Mulai 2026 RKUD Pandeglang Dikelola Bank Banten / Official! Starting 2026, Pandeglang RKUD to be
December 24, 2025 Managed by Bank Banten
115 24 Desember 2025 / Pemprov Banten Gandeng Pemda Tangerang Raya, Bank Banten Siap Pengelolaan RKUD / Banten Provincial
December 24, 2025 Government Partners with Tangerang Raya Regional Government, Bank Banten Ready for RKUD Management
116 29 Desember 2025 / Tren Kinerja Terjaga dan KUB Efektif, Bank Banten Siap Melesat / Performance Trend Maintained and KUB Effective,
December 29, 2025 Bank Banten Ready to Soar
117 30 Desember 2025 / Tren Kinerja Terjaga dan KUB Efektif, Bank Banten Siap Melesat / Performance Trend Maintained and KUB Effective,
December 30, 2025 Bank Banten Ready to Soar
c. Menindaklanjuti dan/atau menginisiasi pelaksanaan c. Following up on and/or initiating the execution of
kegiatan tertentu (event/acara/sponsorship) sebagai certain activities (events/functions/sponsorships)
implementasi strategi komunikasi yang bersifat as part of the corporate communication strategy, as
korporasi serta pengelolaan reputasi/risiko reputasi well as reputation and reputational risk management
dan penguatan brand image; and brand image strengthening;
d. Sesuai dengan ketentuan Regulator terkait Literasi/ d. In accordance with regulatory requirements on
Edukasi dan Inklusi Keuangan, sepanjang Tahun Financial Literacy/Education and Financial Inclusion,
2025 telah dilakukan sebanyak 18 (delapan belas) a total of 18 (eighteen) activities were conducted
kali kegiatan. Angka ini lebih tinggi dari kewajiban throughout 2025. This figure exceeds both the
minimum (2x dalam setahun) serta Target Internal minimum regulatory requirement (2 times per year)
Pelaksanaan Kegiatan (8x); and the Internal Activity Implementation Target (8
times);
e. Terkait dengan Soft Structure (Pedoman/Kebijakan), e. With regard to Soft Structure (Guidelines/Policies),
sepanjang 2025 telah dilakukan penyusunan the following Corporate Communication guidelines
/ pengkinian pedoman terkait Komunikasi were developed and/or updated throughout 2025:
Perusahaan, diantaranya:
i. SOP Literasi Keuangan dan Inklusi Keuangan; i. Standard Operating Procedure for Financial
dan Literacy and Financial Inclusion; and
ii. Standardisasi Tanggapan & Interaksi di Media ii. Standardization of Responses & Interactions on
Sosial Bank. the Bank's Social Media.
f. Sebagai bentuk pemenuhan ketentuan pelindungan f. As a form of compliance with Consumer Protection
Konsumen maupun ketentuan Regulator (OJK, BI, regulations and Regulatory requirements (OJK, BI,
LPS), Bank telah melakukan penyesuaian atas LPS), the Bank has made adjustments to the display
tampilan dan penyajian informasi di website dan and presentation of information on its website and
media sosial; dan social media; and
g. Dalam rangka Komunikasi Nilai Perusahaan dan g. In the context of Corporate Values Communication
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Komunikasi Internal, telah dilakukan penyusunan and Internal Communication, the "Mars Bank
dan pengesahan atas lagu “Mars Bank Banten” Banten" anthem was composed and officially ratified
sebagaimana SK Direksi No. 141/SK/DIR-BB/ pursuant to Board of Directors Decree No. 141/SK/
IV/2025 tanggal 23 April 2025 yang diciptakan DIR-BB/IV/2025 dated April 23, 2025, which was
dan diaransemen oleh Kepala Bagian Komunikasi composed and arranged by the Head of Corporate
Perusahaan. Communications.
2025 Annual Report & Sustainability Report 321
Page 324
3. Aktivitas Pemberian Dana Bantuan 3. Funding Assistance Activities
Sebagai bentuk implementasi strategi komunikasi As a form of implementation of the Company's
Perusahaan, upaya penguatan citra positif, sinergi communication strategy, efforts to strengthen its positive
dengan pemangku kepentingan dan pengamalan Budaya image, synergy with stakeholders, and the embodiment
Perusahaan, Bank melaksanakan dan bekerjasama of the Company's Corporate Culture, the Bank carries
dengan Pemerintah/pemangku kepentingan terkait out and collaborates with the Government and relevant
(termasuk pihak ketiga) dalam program kemitraan, stakeholders (including third parties) in partnership
aksi sosial dan pemberian sumbangan/donasi. Adapun programs, social initiatives, and the provision of
beberapa kegiatan bantuan/sosial sepanjang tahun contributions/donations. The following are among the
2025, diantaranya: assistance/social activities conducted throughout 2025:
Tabel Aktivitas TJSL 2025 Tabel Aktivitas TJSL 2025
Tanggal Realisasi /
No Kegiatan / Activity Bidang / Sector
Realization Date
1 19 Maret 2025 / March Bantuan Safari Ramadhan Wil. Kab. Pandeglang / Ramadan Safari Assistance, Keagamaaan /
19, 2025 Pandeglang Regency Religious
2 19 Maret 2025 / March Bantuan Safari Ramadhan Wil. Kec. Malingping / Ramadan Safari Assistance, Malingping Keagamaaan /
19, 2025 District Religious
3 26 Maret 2025 / March Pemberian Santunan bekerjasama dengan KAHMI HMI Cabang Kota Serang / Provision Keagamaaan /
26, 2025 of Aid in Collaboration with KAHMI HMI Serang City Branch Religious
4 8 April 2025 / April 8, Sumbangan melalui DKM Jam’i Assalam / Donation through DKM Jam’i Assalam Keagamaaan /
2025 Religious
5 8 April 2025 / April 8, Bantuan Santunan Anak Yatim bersama HMI Cab. Serang / Orphan Welfare Assistance Keagamaaan /
2025 with HMI Serang Branch Religious
6 9 April 2025 / April 9, Bantuan/Kegiatan Ramadhan bersama Baznas Provinsi Banten / Ramadan Assistance/ Keagamaaan /
2025 Activity with Baznas Banten Province Religious
7 9 April 2025 / April 9, Santunan Yatim-Piatu Serta Buka Bersama PWI Serang Raya / Orphan Welfare and Iftar Keagamaaan /
2025 with PWI Serang Raya Religious
8 9 April 2025 / April 9, Bantuan Ramadhan Camp ICMI Orwil Banten / Ramadan Camp Assistance for ICMI Orwil Keagamaaan /
2025 Banten Religious
9 11 April 2025 / April 11, Bantuan Kepada Masjid Al-Ikhlas Cilenggang dalam Rangka Safari Ramadhan 1446 Keagamaaan /
2025 H/2025 M / 2025Assistance to Masjid Al-Ikhlas Cilenggang for Ramadan Safari 1446 Religious
H/2025
10 11 April 2025 / April 11, Bantuan Ramadhan 1446 H di Mesjid Al-Ikhlas S. Parman / Ramadan 1446 H Assistance Keagamaaan /
2025 at Masjid Al-Ikhlas S. Parman Religious
11 11 April 2025 / April 11, Bantuan Kepada Masjid Agung Nurul Ikhlas Cilegon dalam Rangka Safari Ramadhan Keagamaaan /
2025 1446 H/2025 M / Assistance to Masjid Agung Nurul Ikhlas Cilegon for Ramadan Safari Religious
1446 H/2025
12 11 April 2025 / April 11, Bantuan Kepada Masjid Imaadul Muttaqin dalam Rangka Safari Ramadhan 1446 H/2025 Keagamaaan /
2025 M / Assistance to Masjid Imaadul Muttaqin for Ramadan Safari 1446 H/2025 Religious
13 14 April 2025 / April 14, Bantuan/Partisipasi Kegiatan Sosial Polresta Serang Kota / Assistance/Participation in Lingkungan /
2025 Polresta Serang Kota Social Activity Environmental
14 14 April 2025 / April 14, Bantuan Kegiatan Ramadhan & Idul Fitri 1446 H bersama DKM Raudhaul Amin / Ramadan Keagamaaan /
2025 & Eid al-Fitr 1446 H Activity Assistance with DKM Raudhaul Amin Religious
15 14 April 2025 / April 14, Bantuan & Gebyar Zakat Baznas Provinsi Banten / Assistance & Zakat Festival with Keagamaaan /
2025 Baznas Banten Province Religious
16 15 April 2025 / April 15, Bantuan Kepada Masjid Besar Baiturrachim Malingping Utara (Safari Ramadhan) / Keagamaaan /
2025 Assistance to Masjid Besar Baiturrachim Malingping Utara (Ramadan Safari) Religious
17 15 April 2025 / April 15, Bantuan Kepada Masjid Agung Ar-Rahman Kabupaten Pandeglang (Safari Ramadhan) / Keagamaaan /
2025 Assistance to Masjid Agung Ar-Rahman Pandeglang Regency (Ramadan Safari) Religious
18 17 April 2025 / April 17, Bantuan Safari Ramadhan Kepada Masjid Agung Al-Mujahidin / Ramadan Safari Keagamaaan /
2025 Assistance to Masjid Agung Al-Mujahidin Religious
19 21 April 2025 / April 21, Bantuan kepada DPK KNPI Kec. Cipondoh / Assistance to DPK KNPI Cipondoh District Lingkungan /
2025 Environmental
20 22 April 2025 / April 22, Bantuan Safari Ramadhan Masjid KC Balaraja / Ramadan Safari Assistance at Balaraja Keagamaaan /
2025 Branch Office Mosque Religious
21 22 April 2025 / April 22, Bantuan Ramadhan / Idul Fitri bagi Pegawai Dasar, Petugas Pamdal Setda, Bapenda, Lingkungan /
2025 DPRD Prov Banten dan Petugas Kebersihan Kota Serang / Ramadan/Eid al-Fitr Assistance Environmental
for Basic Employees, Security Officers of Setda, Bapenda, Banten Provincial DPRD, and
Serang City Sanitation Workers
322 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 325
Tanggal Realisasi /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
No Kegiatan / Activity Bidang / Sector
Realization Date
22 22 April 2025 / April 22, Bantuan Kegiatan dan Silaturahim dengan Ulama, Kyai dan Ustadz Se-Kota Serang Keagamaaan /
2025 Bersama Mitra Kerja / Assistance and Gathering with Islamic Scholars and Clerics across Religious
Serang City with Business Partners
23 22 April 2025 / April 22, Bantuan Safari Ramadhan 1446 H / Ramadan Safari 1446 H Assistance Keagamaaan /
2025 Religious
24 28 April 2025 / April 28, Bantuan Majelis Ta’lim Nurul Iman / Assistance to Majelis Ta’lim Nurul Iman Keagamaaan /
2025 Religious
25 28 April 2025 / April 28, Sosialisasi Jadwal Puasa & Imsakiyah 1446 H/ 22025 M KC dan KCP Wilayah Provinsi Keagamaaan /
2025 Banten / Dissemination of Fasting Schedule & Imsakiyah 1446 H/2025 for Branch Offices Religious
and Sub-Branch Offices across Banten Province
26 2 Juni 2025 / Juni 2, Bantuan Kegiatan Parenting Rumah Sosial Pedaringan Kota Tangerang / Assistance for Sosial / Social
2025 Parenting Activity at Rumah Sosial Pedaringan, Tangerang City
27 13 Juni 2025 / Juni 13, Bantuan kepada Masjid Jami Baittutaqwa dalam rangkaian Safari Ramadhan / Assistance Keagamaaan /
2025 to Masjid Jami Baittutaqwa for Ramadan Safari Religious
28 16 Juni 2025 / Juni 16, Bantuan Pembangunan Masjid Al-Hidayah / Assistance for the Construction of Masjid Al- Keagamaaan /
2025 Hidayah Religious
29 23 Juni 2025 / Juni 23, Bantuan kepada Ikatan Remaja Masjid Jami As-salam / Assistance to the Youth Keagamaaan /
2025 Association of Masjid Jami As-Salam Religious
30 23 Juni 2025 / Juni 23, Bantuan dan Kegiatan Hari Lingkungan Hidup Sedunia 2025 KOMPAS Kota Serang / Lingkungan /
2025 Assistance and World Environment Day 2025 Activity with KOMPAS Serang City Environmental
31 3 Juli 2025 / July 3, 2025 Bantuan Kegiatan Pagelaran Budaya Karo / Assistance for Karo Cultural Performance Sosial. Budaya /
Event Social, Culture
32 7 Juli 2025 / July 7, 2025 Bantuan dan Santunan Anak Yatim Yayasan Rumah Sosial Pedaringan / Assistance and Keagamaaan /
Orphan Welfare at Rumah Sosial Pedaringan Foundation Religious
33 23 Juli 2025 / July 23, Bakti Sosial, Silahturahmi dan Buka Puasa KC Tangerang / Social Service, Gathering and Sosial / Social
2025 Iftar at Tangerang Branch Office
34 30 Juli 2025 / July 30, Bantuan dan Kegiatan Hari Mangrove Internasional / Assistance and International Lingkungan /
2025 Mangrove Day Activity Environmental
35 7 Agustus 2025 / August Bantuan Kegiatan kepada KORMI Kota Tangerang Selatan / Activity Assistance to KORMI Sosial / Social
7, 2025 South Tangerang City
36 11 Agustus 2025 / Bantuan melalui Rumah Singgah Badan Penghubung Pemprov Banten / Assistance Sosial / Social
August 11, 2025 through the Banten Provincial Government Liaison Body’s Shelter House
37 22 Agustus 2025 / Bantuan dan Kegiatan Hari Anak NasionalTingkat Kota Serang Tahun 2025 / Sosial / Social
August 22, 2025 2025Assistance and National Children’s Day Activity at Serang City Level 2025
38 8 September 2025 / Bantuan dan Kegiatan Maulid Nabi Muhammad SAW Pondok Pesantren As-salam / Keagamaaan /
September 8, 2025 Assistance and Prophet Muhammad’s Birthday Activity at As-Salam Islamic Boarding Religious
School
39 15 September 2025 / HUT RI Bapenda / Indonesian Independence Day Anniversary — Bapenda Sosial / Social
September 15, 2025
40 18 September 2025 / Bantuan dan Kegiatan Maulid Nabi Muhammad SAW Masjid Ats-Tsauroh / Assistance and Keagamaaan /
September 18, 2025 Prophet Muhammad’s Birthday Activity at Masjid Ats-Tsauroh Religious
41 24 September 2025 / Bantuan dan Kegiatan Tabligh Akbar Desa Saga / Assistance and Tabligh Akbar Activity Keagamaaan /
September 24, 2025 at Saga Village Religious
42 24 September 2025 / Bantuan Paket Sembako Pemkab Lebak / KC Rangkasbitung / Basic Food Package Sosial / Social
September 24, 2025 Assistance for Lebak Regency Government / Rangkasbitung Branch Office
43 29 September 2025 / Bantuan ke DKM Masjid Agung Ats-Tsauroh Kota Serang / Assistance to DKM Masjid Keagamaaan /
September 29, 2025 Agung Ats-Tsauroh, Serang City Religious
44 6 Oktober 2025 / Bantuan dan Kegiatan DKM Jami Assalam / Assistance and Activity for DKM Jami Assalam Keagamaaan /
October 6, 2025 Religious
45 6 Oktober 2025 / Bantuan dan Kegiatan Musholla Hidayatul Muttaqien / Assistance and Activity for Musholla Keagamaaan /
October 6, 2025 Hidayatul Muttaqien Religious
46 29 Oktober 2025 / Bantuan dan Kegiatan Hari Sumpah Pemuda KNPI Kota Serang / Assistance and Youth Sosial / Social
October 29, 2025 Pledge Day Activity with KNPI Serang City
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
47 14 November 2025 / Bantuan Khitanan Massal Anak-Anak dan Cek Kesehatan Gratis Masyarakat melalui Sosial / Social
November 14, 2025 Kosrat DPP / Mass Circumcision Assistance for Children and Free Health Check for the
Community through Kosrat DPP
48 17 November 2025 / Bantuan Kegiatan Khitanan Massal Lembaga Swadaya Masyarakat KPK Nusantara / Sosial / Social
November 17, 2025 Mass Circumcision Activity Assistance for KPK Nusantara Community Organization
49 20 November 2025 / Bantuan Sponsorship Kegiatan Budaya Dzuriat Pande Golok Ciomas / Sponsorship Sosial / Social
November 20, 2025 Assistance for Dzuriat Pande Golok Ciomas Cultural Activity
2025 Annual Report & Sustainability Report 323
Page 326
4. Aktivitas Sekretariat Perusahaan 4. Corporate Secretary Activities
Sepanjang tahun 2025, kegiatan Sekretariat Perusahaan Throughout the year 2025, the activities of the Corporate
adalah sebagai berikut : Secretary were as follows:
KESEKRETARIATAN / SECRETARIAL
Kegiatan / Activities
Memastikan persiapan dan a. Rapat Direksi / Board of Directors Meetings
Penyelenggaraan Rapat sesuai b. Rapat Dewan Komisaris / Board of Commissioners Meetings
ketentuan otoritas, antara lain: c. Rapat Gabungan Direksi dan Dewan Komisaris / Joint Meetings of the Board of Directors
/ Ensuring the preparation and and Board of Commissioners
conduct of Meetings in accordance d. Rapat Komite Audit / Audit Committee Meetings
with regulatory requirements, among e. Rapat Komite Pemantau Risiko / Risk Monitoring Committee Meetings
others: f. Rapat Direktorat / Directorate Meetings
Membantu penyusunan laporan Tahunan (Annual Report) terkait data Dewan Komisaris, Direksi dan Komite-komite. / Assisting
in the preparation of the Annual Report with respect to data pertaining to the Board of Commissioners, Board of Directors, and
Committees.
Melakukan self assesment terkait penerapan tata kelola perusahaan yang baik atas aktifitas kerja Dewan Komisaris dan Direksi
berserta Komite Dewan Komisaris periode Semester II-2024 dan Semester I-2025. / Conducting self-assessments related to the
implementation of good corporate governance over the working activities of the Board of Commissioners, Board of Directors, and
Board of Commissioners’ Committees for the periods of Semester II-2024 and Semester I-2025.
PROTOKOLER / PROTOCOL
Melakukan pendampingan acara-acara Direksi dan Dewan Komisaris, antara lain meliputi: / Providing assistance and accompaniment
at events involving the Board of Directors and Board of Commissioners, including, among others:
• Audiensi dengan Pemprov, Pemkot dan Pemda Provinsi Banten / Audience meetings with the Provincial Government, City
Government, and Regional Government of Banten Province
• Proses KUB dengan Bank Jatim / The Joint Venture/Business Combination (KUB) process with Bank Jatim
• Seminar Asbanda/ Asbanda Seminar
• Rapat–Rapat di OJK / Meetings at the Financial Services Authority (OJK)
• Pertemuan dengan Rektor Universitas Sultan Ageng Tirtayasa, dll / Meeting with the Rector of Universitas Sultan Ageng Tirtayasa,
etc.
ADMINISTRASI / ADMINISTRATION
1. Mendokumentasikan dokumen-dokumen terkait Perusahaan/Direksi dan Dewan Komisaris selama tahun2025 (Anggaran Dasar,
Akta-akta, surat masuk dan keluar, Surat Keputusan, Surat Edaran dll). / Documenting corporate documents pertaining to the
Company, Board of Directors, and Board of Commissioners throughout the year 2025 (Articles of Association, Notarial Deeds,
incoming and outgoing correspondence, Decrees, Circular Letters, etc.).
2. Membuat dan menyampaikan undangan kepada pihak eksternal terkait acara RUPST, RUPSLB dan Penandatanganan SHA.
/ Preparing and delivering invitations to external parties in relation to the Annual General Meeting of Shareholders (AGMS),
Extraordinary General Meeting of Shareholders (EGMS), and the Shareholders’ Agreement (SHA) Signing.
5. Aktivitas Bagian Hukum 5. Legal Division Activities
Di tahun 2025, Sekretaris Perusahaan melaksanakan In 2025, the Corporate Secretary carried out both Non-
kegiatan Non Litigasi dan Litigasi yang merupakan Litigation and Litigation activities as part of government
pelaksanaan program Pemerintah maupun bekerja programs or in collaboration with third parties, such as
sama dengan pihak ketiga, seperti me-review Perjanjian reviewing cooperation agreements entered into by the
Kerja sama yang dilakukan oleh Perseroan sebagai Company, as follows:
berikut:
Non Litigasi Non-Litigation
Kategori /
No Tanggal / Date Kegiatan / Activity
Category
1 2 Januari 2025 / PKS dengan Fakultas Tarbiyah dan Keguruan UIN Sunan Kalijaga tentang Bantuan Penagihan PKS / Cooperation
January 2, 2025 dan Pembayaran Kolektif Angsuran Kredit Karya Guna / Cooperation Agreement (PKS) with Agreement
the Faculty of Tarbiyah and Teacher Training, UIN Sunan Kalijaga, concerning Assistance in
Billing and Collective Payment of Karya Guna Credit Installments
2 6 Januari 2025 / Perihal Pencairan Deposito, Penarikan dan Penutupan Rekening An LOH HOK KIONG / Kajian / Review
January 6, 2025 Regarding the Disbursement of Deposit, Withdrawal, and Account Closure on behalf of LOH
HOK KIONG
3 9 Januari 2025 / Perjanjian kerjasama Bank Banten KC Kelapa Gading dengan instansi BPSDM dan Pusat PKS / Cooperation
January 9, 2025 Pembinaan / Cooperation Agreement between Bank Banten KC Kelapa Gading and BPSDM Agreement
and the Development Supervision Center
324 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 327
Kategori /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
No Tanggal / Date Kegiatan / Activity
Category
4 10 Januari 2025 / Review Perjanjian Kerja Sama (PKS) Pekerjaan Renovasi Kantor Cabang Pembantu Pemkab PKS / Cooperation
January 10, 2025 Tangerang / Review of Cooperation Agreement (PKS) for the Renovation of the Pemkab Agreement
Tangerang Sub-Branch Office
5 10 Januari 2025 / Review Perjanjian Kerjasam (PKS) perihal Permohonan Review Perjanjian Kerja Sama (PKS) PKS / Cooperation
January 10, 2025 Pengadaan Tapping Box Bank Banten / Review of Cooperation Agreement (PKS) regarding Agreement
the Request for Review of the Cooperation Agreement (PKS) for the Procurement of Tapping
Box for Bank Banten
6 10 Januari 2025 Review Draft Addendum IV PKS antara PT Bank Pembangunan Daerah Banten (Perseroda), ADDENDUM
/ January 10, 2025 Tbk dengan PT Fortress Data Services / Review of Draft Addendum IV to the Cooperation
Agreement between PT Bank Pembangunan Daerah Banten (Perseroda), Tbk and PT Fortress
Data Services
7 10 Januari 2025 / Review Draft Perjanjian Kerjasama Bank Banten dengan Bapenda Kota Serang Tahun PKS / Cooperation
January 10, 2025 Anggaran 2025 / Review of Draft Cooperation Agreement between Bank Banten and Bapenda Agreement
Kota Serang for Fiscal Year 2025
8 13 Januari 2025 / Review Addendum PKS KPID Banten (Kantor Penyiaran Indonesia Daerah Indonesia) / ADDENDUM
January 13, 2025 Review of Addendum to the Cooperation Agreement with KPID Banten (Regional Broadcasting
Commission of Indonesia — Banten)
9 14 Januari 2025 / Legal Opinion atas permohonan pencairan deposito Nasabah Meninggal dunia oleh Yayasan PKS / Cooperation
January 14, 2025 Pendidikan Nasional Cipta Darma / Legal Opinion on the Request for Deposit Disbursement of Agreement
a Deceased Customer by Yayasan Pendidikan Nasional Cipta Darma
10 14 Januari 2025 / Legal Opinion atas permohonan Pencairan Deposito Nasabah Meninggal Dunia oleh Yayasan PKS / Cooperation
January 14, 2025 Pendidikan Nasional Cipta Darma, maka dengan ini kami sampaikan Pendapat Hukum Terkait Agreement
Kuasa Ahli Wris Mencairkan Deposito Debitur Meninggal Dunia Atas Nama Jonatan Mulia /
Legal Opinion on the Request for Deposit Disbursement of a Deceased Customer by Yayasan
Pendidikan Nasional Cipta Darma, specifically delivering a Legal Opinion Regarding the
Authority of Heirs to Disburse the Deposit of a Deceased Debtor on behalf of Jonatan Mulia
11 15 Januari 2025 / Pembuatan Draft Perjanjian Kerja Sama (PKS) Pembayaran Tagihan PT Sigma Cipta Caraka Draft Perjanjian /
January 15, 2025 /c Drafting of Cooperation Agreement (PKS) for Payment of Invoices to PT Sigma Cipta Caraka Agreement Draft
12 15 Januari 2025 / Review Draft Perjanjian Kerjasama Antara Pemerintah Kabupaten Lebak dengan PT Bank PKS / Cooperation
January 15, 2025 Pembangunan Daerah Banten (Perseroda) Tbk tentang Kartu Kredit Pemerintah Daerah / Agreement
Review of Draft Cooperation Agreement between the Government of Lebak Regency and PT
Bank Pembangunan Daerah Banten (Perseroda) Tbk concerning the Regional Government
Credit Card
13 20 Januari 2025 / Review Draft Addendum II PKS antara PT Bank Pembangunan Daerah Banten (Perseroda), Addendum II
January 20, 2025 Tbk dengan PT Mastersystem Infotama / Review of Draft Addendum II to the Cooperation
Agreement between PT Bank Pembangunan Daerah Banten (Perseroda), Tbk and PT
Mastersystem Infotama
14 22 Januari 2025 / Kajian Lampiran SOP Kredit Beragunan Tunai (Perjanjian Kredit) / Review of Annex to the SOP Kajian
January 22, 2025 for Cash-Collateralized Credit (Credit Agreement)
15 22 Januari 2025 / Review Perjanjian Kerjasam (PKS) Terkait Perjanjian Kerjasama Jasa Asuransi Kesehatan PKS / Cooperation
January 22, 2025 ASO (BOD) Bank Banten Periode 2024-2025 dengan Asuransi Inhealth Indonesia / Review Agreement
of Cooperation Agreement (PKS) concerning the Health Insurance Services Agreement (ASO/
BOD) for Bank Banten for the Period 2024–2025 with Asuransi Inhealth Indonesia
16 22 Januari 2025 / Review PKS Antara Bank Banten Cabang Tangerang dengan Dinas Penanaman Modal Dan PKS / Cooperation
January 22, 2025 Pelayanan Terpadu Satu Pintu Kota Tangerang / Review of Cooperation Agreement (PKS) Agreement
between Bank Banten Tangerang Branch and the Investment and Integrated One-Stop
Services Office of Tangerang City
17 23 Januari 2025 / Draft addendum untuk perpanjangan sewa Kendaraan Dinas Operasional (KDO) di PT. Bank Addendum
January 23, 2025 Pembangunan Daerah Banten (Perseroda) Tbk / Draft Addendum for the Extension of Lease of
Operational Official Vehicles (KDO) at PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
18 24 Januari 2025 / Opini Legal Serikat Karyawan Bank Banten /c Legal Opinion on the Bank Banten Employee Kajian / Review
January 24, 2025 Union
19 30 Januari 2025 / Review Kajian PKS Antara Bank Banten Cabang Tangerang dengan Sekretariat Kota PKS / Cooperation
January 30, 2025 Tangerang / eview of Cooperation Agreement (PKS) between Bank Banten Tangerang Branch Agreement
and the Tangerang City Secretariat
20 4 Februari 2025 / Format Surat Pernyataan Kesepakatan Bersama atas Pembiayaan Kredit KMKK Kepada Grup Draftting
February 4, 2025 Usaha / Format of Joint Commitment Statement Letter for KMKK Credit Financing to Business
Groups
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
21 4 Februari 2025 / Kajian atas Memorandum Divisi Kredit Tentang Surat dari Bank BJB Terkait Mekanisme Jadwal Kajian / Review
February 4, 2025 Take Over / Review of Memorandum from the Credit Division concerning a Letter from Bank
BJB regarding the Mechanism for the Take-Over Schedule
22 4 Februari 2025 / Pendampingan terkait Relas Pemanggilan di Pengadilan Negeri Singaraja / Assistance in Pendampingan /
February 4, 2025 relation to a Court Summons at the Singaraja District Court Assistance
23 6 Februari 2025 / Review Draft Perjanjian Kerjasama Payroll PT Agrobisnis Banten Mandiri dengan Bank Banten PKS / Cooperation
February 6, 2025 KCP Kramatwatu / Review of Draft Payroll Cooperation Agreement between PT Agrobisnis Agreement
Banten Mandiri and Bank Banten KCP Kramatwatu
24 11 Februari 2025 / Review Draft Perjanjian Kerjasama Jasa Pialang Asuransi dengan PT. Sedana Pasifik PKS / Cooperation
February 11, 2025 Servistama / Review of Draft Cooperation Agreement for Insurance Brokerage Services with Agreement
PT Sedana Pasifik Servistama
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Kategori /
No Tanggal / Date Kegiatan / Activity
Category
25 12 Februari 2025 / Permohonan Review Perjanjian Kerjasama (PKS) Sewa Kendaraan Dinas Operasional PKS / Cooperation
February 12, 2025 (KDO) PT. Bank Pembangunan Daerah Banten (Perseroda) Tbk / Request for Review of Agreement
Cooperation Agreement (PKS) for the Lease of Operational Official Vehicles (KDO) of PT Bank
Pembangunan Daerah Banten (Perseroda) Tbk
26 13 Februari 2025 / Review Perjanjian Kerja Sama (PKS) Aplikasi Sistem PSAK 73 dengan PT Risiko Manajemen PKS / Cooperation
February 13, 2025 Gagasan (PT RMG) / Review of Cooperation Agreement (PKS) for the PSAK 73 System Agreement
Application with PT Risiko Manajemen Gagasan (PT RMG)
27 13 Februari 2025 / Opini Legal Mengenai Proses Pengambilan Jaminan Kredit Mikro / Legal Opinion on the Kajian / Review
February 13, 2025 Process of Releasing Micro Credit Collateral
28 14 Februari 2025 / Kajian Perjanjian Kerja Sama Dana Pensiun Krakatau Steel Tentang Layanan Pembayaran PKS / Cooperation
February 14, 2025 Manfaat Pensiun / Review of Cooperation Agreement with Krakatau Steel Pension Fund Agreement
concerning Pension Benefit Payment Services
29 25 Februari 2025 / Kajian Terkait Pemutusan Perjanjian Kerjasama (PKS) Perhitungan CKPN dengan PT Collega Kajian / Review
February 25, 2025 Inti Pratama / Review concerning the Termination of the Cooperation Agreement (PKS) for
CKPN Calculation with PT Collega Inti Pratama
30 3 Maret 2025 / Review Addendum I Perjanjian Kerjasama Antara PT Bank Pembangunan Daerah Banten PKS / Cooperation
March 3, 2025 (Perseroda) Tbk, Dan PT Advantage SCM Tentang Jasa Layanan Cash Replenisment/First Agreement
Level Maintenance ATM / Review of Addendum I to the Cooperation Agreement between PT
Bank Pembangunan Daerah Banten (Perseroda) Tbk and PT Advantage SCM concerning ATM
Cash Replenishment/First Level Maintenance Services
31 4 Maret 2025 / Kajian atas Draft Pengkinian sop Kredit Review / Review of Draft Update to the Credit Review SK SOP CR
March 4, 2025 SOP
32 5 Maret 2025 / Opini Legal dan Draft Perjanjian Sewa atas Penggunaan Gedung Baru Kantor Pusat Bank PKS / Cooperation
March 5, 2025 Banten / Legal Opinion and Draft Lease Agreement for the Use of the New Head Office Building Agreement
of Bank Banten
33 6 Maret 2025 / Review Draft PKS dengan BPKD dan Bapenda Pandeglang / Review of Draft Cooperation PKS / Cooperation
March 6, 2025 Agreement with BPKD and Bapenda Pandeglang Agreement
34 11 Maret 2025 / Kajian Addendum Perjanjian Kerjasama Penempatan ATM Di Kawasan Masjid Banten Lama PKS / Cooperation
March 11, 2025 / Review of Addendum to the Cooperation Agreement for ATM Placement in the Banten Lama Agreement
Mosque Area
35 11 Maret 2025 / Review PKS Jasa Konsultan Keuangan (Arranger) Penawaran Umum Terbatas (PUT) VIII PKS / Cooperation
March 11, 2025 Bank Banten /c Review of Cooperation Agreement (PKS) for Financial Consultant (Arranger) Agreement
Services for Bank Banten’s Limited Public Offering (PUT) VIII
36 13 Maret 2025 / Kajian dan Penjadwalan Rapat Teknis Permohonan Restrukturisasi Kredit PT Giri Jaya Putra Kajian / Review
March 13, 2025 / Review and Scheduling of Technical Meeting on the Credit Restructuring Request of PT Giri
Jaya Putra
37 14 Maret 2025 / Legal Review Perjanjian Sewa Menyewa Kendaraan / Legal Review of Vehicle Lease Agreement PKS / Cooperation
March 14, 2025 Agreement
38 14 Maret 2025 / Kajian Pengkinian Kebijakan Perkreditan Bank / Review of Updated Bank Credit Policy Kajian / Review
March 14, 2025
39 14 Maret 2025 / Pembuatan Design Brosur dan Review Surat Pernyataan Keikutsertaan Program Tabungan Surat Pernyataan /
March 14, 2025 Berhadiah Umroh / Design of Brochure and Review of Statement of Participation Letter for the Statement Letter
Umrah Prize Savings Program
40 14 Maret 2025 / Perizinan Program Tabungan Berhadiah Umroh / Licensing for the Umrah Prize Savings Perizinan /
March 14, 2025 Program Licensing
41 14 Maret 2025 / Review PKS Pembelian Laptop dan PC Bank Banten Kepada PT Anugerah Dwi Tangguh / PKS / Cooperation
March 14, 2025 Review of Cooperation Agreement (PKS) for the Purchase of Laptops and PCs for Bank Banten Agreement
from PT Anugerah Dwi Tangguh
42 18 Maret 2025 / Kajian Draft PKS Penyaluran KKG Pola 3 / Review of Draft Cooperation Agreement (PKS) for PKS / Cooperation
March 18, 2025 the Distribution of KKG Pattern 3 Agreement
43 19 Maret 2025 / Review Atas Draft Addendum Kerja Sama Penjaminan Asuransi Kecelakaan Diri Prima PKS / Cooperation
March 19, 2025 (SIRAMA) Bhakti Victoria PT Asuransi Bhayangkara atas perubahan Term & Conditions dalam Agreement
rangka pemenuhan Konfirmasi Hasil Pemeriksaan OJK PT Bank Pembangunan Daerah
Banten (Perseroda), Tbk Tahun 2024 / Review of Draft Addendum to the Insurance Guarantee
Cooperation Agreement for Prima Personal Accident Insurance (SIRAMA) Bhakti Victoria with
PT Asuransi Bhayangkara, concerning changes to Terms & Conditions in fulfillment of OJK
Inspection Confirmation for PT Bank Pembangunan Daerah Banten (Perseroda), Tbk for the
Year 2024
44 20 Maret 2025 / Review Atas Draft PKS Antara Bank Banten dengan PT Sedana Pasifik Servistama / Review of PKS / Cooperation
March 20, 2025 Draft Cooperation Agreement (PKS) between Bank Banten and PT Sedana Pasifik Servistama Agreement
45 20 Maret 2025 / Kajian Draft SOP Agunan Kredit / Review of Draft SOP for Credit Collateral Kajian / Review
March 20, 2025
46 20 Maret 2025 / Review PKS, Surat Kuasa dan SPK Dalam Rangka Perpanjangan Mitra Penagihan / Review PKS / Cooperation
March 20, 2025 of Cooperation Agreement (PKS), Power of Attorney, and Work Order (SPK) for the Extension Agreement
of Collection Partners
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Page 329
Kategori /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
No Tanggal / Date Kegiatan / Activity
Category
47 21 Maret 2025 / Pelaksanaan Komite secara Sirkulir Penyelesaian Kredit Debitur Segmen Komersial KMK Kajian / Review
March 21, 2025 Berjangka an PT. Nusantara Sahabat Abadi / Circular Committee Proceedings on the
Settlement of Credit for Commercial Segment Debtor — Time-Based Working Capital Credit
(KMK Berjangka) on behalf of PT Nusantara Sahabat Abadi
48 21 Maret 2025 / Verifikasi atas Legalitas Penyedia Barang dan Jasa dalam rangka Penyedia Cash Kajian / Review
March 21, 2025 Replenishment (CR) dan First Level Maintenance (FLM) PT Bank Pembangunan Daerah
Banten (Perseroda) Tbk / Verification of the Legality of Goods and Services Providers in
relation to the Cash Replenishment (CR) and First Level Maintenance (FLM) Provider of PT
Bank Pembangunan Daerah Banten (Perseroda) Tbk
49 24 Maret 2025 / Opini legal atas Pembayaran Kompensasi Meninggal Dunia Karyawan Bank Banten atas nama Kajian / Review
March 24, 2025 Yenni Susilawati / Legal Opinion on the Payment of Death Compensation for Bank Banten
Employee on behalf of Yenni Susilawati
50 25 Maret 2025 / Review Draft Addendum III PKS dengan PT. Tri Daya Asira / Review of Addendum III Draft to PKS / Cooperation
March 25, 2025 the Cooperation Agreement with PT Tri Daya Asira Agreement
51 25 Maret 2025 / Review Draft Addendum III Perjanjian Kerjasama dengan PT. Tri Daya Asira / Review of PKS / Cooperation
March 25, 2025 Addendum III Draft to the Cooperation Agreement with PT Tri Daya Asira Agreement
52 25 Maret 2025 / Kajian atau Opini Hukum dan/atau pandangan hukum terhadap pemberian keringanan bunga Kajian / Review
March 25, 2025 dan/atau tunggakan denda serta Penyelesaian kredit bermasalah PT Nusantara Sahabat Abadi
/ Legal Review and/or Legal Opinion on the Granting of Interest Relief and/or Outstanding
Penalty Waivers, as well as the Settlement of Non-Performing Credit of PT Nusantara Sahabat
Abadi
53 26 Maret 2025 / Kajian Petunjuk Teknis Monitoring Kredit / Review of Technical Guidelines for Credit Monitoring Kajian / Review
March 26, 2025
54 26 Maret 2025 / Kajian atas SOP Penetapan Harga dan/atau Biaya Produk serta Layanan Bank / Review of Kajian / Review
March 26, 2025 SOP for Pricing and/or Cost of Bank Products and Services
55 26 Maret 2025 / Draft Addendum Kerjasama dengan PT Sigma Cipta Caraka / Addendum Draft to the PKS / Cooperation
March 26, 2025 Cooperation Agreement with PT Sigma Cipta Caraka Agreement
56 27 Maret 2025 / Review PKS Konsultan Pengawas Pekerjaan Sipil & Mekanikal Elektrikal Gedung Bank Banten PKS / Cooperation
March 27, 2025 Kota Serang / Review of Cooperation Agreement (PKS) for OS Windows Server 2022 Open Agreement
License Program (OLP) between PT Bank Pembangunan Daerah Banten and PT Kirana Sakti
Komputindo
57 9 April 2025 / April Review Atas Permohonan PKS License Program OS Window Server 2022 Open License PKS / Cooperation
9, 2025 Program (OLP) PT. Bank Pembangunan Daerah Banten dengan PT Kirana Sakti Komputindo Agreement
/ Review of Draft Addendum II to the Cooperation Agreement for ATM Machine Lease with PT
Datindo Infonet Prima
58 9 April 2025 / March Review Draft Addendum II Perjanjian Kerjasama dengan Sewa Mesin ATM Kepada PT Datindo PKS / Cooperation
9, 2025 Infonet Prima / Review of Addendum II Draft to the Cooperation Agreement for ATM Machine Agreement
Lease with PT Datindo Infonet Prima
59 9 April 2025 / April Review Atas PKS Pekerjaan Renovasi Gedung Kantor Pusat Bank Banten / Review of PKS / Cooperation
9, 2025 Cooperation Agreement (PKS) for the Renovation of Bank Banten Head Office Building Agreement
60 14 April 2025 / April Review Perjanjian Sewa Menyewa Pemerintah Provinsi Banten (Bapenda) dengan PT Bank PKS / Cooperation
14, 2025 Pembangunan Daerah Banten (Perseroda) Tbk / Review of Lease Agreement between the Agreement
Government of Banten Province (Bapenda) and PT Bank Pembangunan Daerah Banten
(Perseroda) Tbk
61 14 April 2025 / April Review Draft Addendum II PKS Pengelolaan Layanan Contact Center PT. Jaring Synergi PKS / Cooperation
14, 2025 Mandiri / Review of Draft Addendum II to the Cooperation Agreement for Contact Center Agreement
Management Services with PT Jaring Synergi Mandiri
62 15 April 2025 / April Review Draft Perjanjian Sewa Menyewa Perluasan Gedung KCP Malingping / Review of Draft PKS / Cooperation
15, 2025 Lease Agreement for the Extension of Bank Banten KCP Malingping Building Agreement
63 17 April 2025 / April Kajian Perjanjian Kerjasama Konsumen Cipta Nutrisi Sejahtera (Karyawan PT. Frisian Flag) / PKS / Cooperation
17, 2025 Review of Cooperation Agreement for Consumer Credit with Cipta Nutrisi Sejahtera (Employees Agreement
of PT Frisian Flag)
64 17 April 2025 / April Kajian Draft Perjanjian Kerjasama PT. Strawland / Review of Draft Cooperation Agreement PKS / Cooperation
17, 2025 with PT Strawland Agreement
65 23 April 2025 / April Review Draft Addendum II Perjanjian Kerjasama dengan Sewa Mesin ATM Kepada PT Datindo PKS / Cooperation
23, 2025 Infonet Prima / Review of Draft Addendum II to the Cooperation Agreement for ATM Machine Agreement
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Lease with PT Datindo Infonet Prima
66 23 April 2025 / April Perjanjian Kerjasama Bank Banten dengan Koperasi Seribu Usaha Gemilang tentang PKS / Cooperation
23, 2025 Kerjasama Pengembangan dan Pemasaran Kredit Pensiun (Kredit Pra Purna Karya, Kredit Agreement
Kinaya) / Cooperation Agreement between Bank Banten and Koperasi Seribu Usaha Gemilang
concerning the Development and Marketing of Pension Credit (Pre-Retirement Credit, Kinaya
Credit)
67 29 April 2025 / April Review Perjanjian Kerja Sama (PKS) Pengadaan Perangkat Infrastruktur IT Gedung Kantor PKS / Cooperation
29, 2025 Pusat Bank Banten di Kota Serang / Review of Cooperation Agreement (PKS) for the Agreement
Procurement of IT Infrastructure Equipment for Bank Banten Head Office Building in Serang
City
2025 Annual Report & Sustainability Report 327
Page 330
Kategori /
No Tanggal / Date Kegiatan / Activity
Category
68 29 April 2025 / April Review atas Perjanjian Kerja Sama (PKS) Pekerjaan Pengadaan Furniture Gedung Kantor PKS / Cooperation
29, 2025 Pusat Bank Banten Kota Serang / Review of Cooperation Agreement (PKS) for the Procurement Agreement
of Furniture for Bank Banten Head Office Building in Serang City
69 29 April 2025 / April Review atas Perjanjian Kerjasama Pekerjaan Pekerjaan Kenaikan Daya Listrik dan PKS / Cooperation
29, 2025 Pembangunan Gardu Listrik Kantor Pusat Bank Banten Serang / Review of Cooperation Agreement
Agreement for Electrical Power Upgrade and Construction of Electrical Substation at Bank
Banten Head Office in Serang
70 5 Mei 2025 / May Review atas Perjanjian Kerja Sama Pengadaan Licence OS Microsoft SQL Server 2022 Bank PKS / Cooperation
5, 2025 Banten / Review of Cooperation Agreement for the Procurement of Microsoft SQL Server 2022 Agreement
OS License for Bank Banten
71 5 Mei 2025 / May Review atas Perjanjian Kerja Sama Pekerjaan Renovasi Gedung Kantor Lama (Heritage) PKS / Cooperation
5, 2025 Kantor Pusat Bank Banten Kota Serang / Review of Cooperation Agreement for the Renovation Agreement
of the Old (Heritage) Head Office Building of Bank Banten in Serang City
72 6 Mei 2025 / May Kajian/Review Perjanjian Kerjasama antara PT Bank Pembangunan Daerah Banten (Perseroda) PKS / Cooperation
6, 2025 Tbk dengan, Direktorat Jendral Bina Keuangan Daerah Kementrian Dalam Negeri Republik Agreement
Indonesia / Review of Cooperation Agreement between PT Bank Pembangunan Daerah
Banten (Perseroda) Tbk and the Directorate General of Regional Financial Development,
Ministry of Home Affairs of the Republic of Indonesia
73 7 Mei 2025 / May Review atas Perjanjian Kerja Sama Antara Pemerintah Kota Serang dengan Bank Banten / PKS / Cooperation
7, 2025 Review of Cooperation Agreement between the Government of Serang City and Bank Banten Agreement
74 8 Mei 2025 / May Review atas Perjanjian Perpanjangan Sewa Gedung Bank Banten KCP BSD / Review of Lease PKS / Cooperation
8, 2025 Extension Agreement for Bank Banten KCP BSD Building Agreement
75 10 Mei 2025 / May Kajian atau Opini Hukum dan/atau pandangan hukum terhadap itikad pelunasan oleh Avalis Kajian
10, 2025 atas kredit PT Noval Indo Pratama / Legal Review and/or Legal Opinion on the Repayment
Intent by the Avalist on Credit Facilities of PT Noval Indo Pratama
76 19 Mei 2025 / May Review Perjanjian Sewa Menyewa Ruko Terkait Relokasi KCP Duta Indah / Review of Shop- PKS / Cooperation
19, 2025 House Lease Agreement related to the Relocation of KCP Duta Indah Agreement
77 19 Mei 2025 / May Review atas Penambahan Lampiran PKS antara Bank Banten dan PT Fortuna Mediatama / PKS / Cooperation
19, 2025 Review of the Addition of Annexes to the Cooperation Agreement between Bank Banten and Agreement
PT Fortuna Mediatama
78 22 Mei 2025 / May Rekomendasi PKS Bantuan Potong / Recommendation for Installment Deduction Assistance Penyampaian Draft
22, 2025 Cooperation Agreement
79 23 Mei 2025 / May Review Perjanjian Kerjasama Antara RSUD Kota Serang dengan Bank Banten / Review of PKS / Cooperation
23, 2025 Cooperation Agreement between RSUD Serang City and Bank Banten Agreement
80 27 Mei 2025 / May Review Perjanjian Sewa Lahan ATM di Lingkungan Pemerintahan / Review of ATM Land Lease PKS / Cooperation
27, 2025 Agreement within Government Premises Agreement
81 10 Juni 2025 / June Perihal Draft Addendum Perjanjian Kerjasama Antara PT Bank Pembangunan Daerah Banten PKS / Cooperation
10, 2025 Tbk Kantor Cabang Pembantu Duta Indah Dengan Koperasi Karyawan Merpati Mahkota Agreement
Sarana (MMS) PT. Standarpen Industries / Addendum Draft to the Cooperation Agreement
between PT Bank Pembangunan Daerah Banten Tbk, Duta Indah Sub-Branch Office and
Koperasi Karyawan Merpati Mahkota Sarana (MMS) PT Standarpen Industries
82 19 Juni 2025 / June Review Perjanjian Kerjasama Bantuan Pemotongan Angsuran Kredit Konsumer Non ASN PKS / Cooperation
19, 2025 (Honorer) / Review of Cooperation Agreement for Installment Deduction Assistance for Non- Agreement
Civil Servant Consumer Credit (Honorary Staff)
83 23 Juni 2025 / June Perihal Draft PKS Bank Banten dengan Koperasi Usaha Gilang Gemilang tentang Kerjasamna PKS / Cooperation
23, 2025 Pengembangan dan Pemasaran Kredit Pensiun (Kredit Pra Purna Karya dan Kredit Karya) / Agreement
Draft of Cooperation Agreement between Bank Banten and Koperasi Usaha Gilang Gemilang
concerning the Development and Marketing of Pension Credit (Pre-Retirement Credit and
Karya Credit)
84 24 Juni 2025 / June Perihal Permohonan Review Draft PKS antara Bank Banten dengan PT Anomali Lintas PKS / Cooperation
24, 2025 Teknologi / Request for Review of Draft Cooperation Agreement between Bank Banten and PT Agreement
Anomali Lintas Teknologi
85 25 Juni 2025 / June Perihal Draft Perjanjian Induk Global Pembelian Kembali (GMRA) / Draft of Global Master PKS / Cooperation
25, 2025 Repurchase Agreement (GMRA) Agreement
86 1 Juli 2025 / July 1, Review Draft Perjanjian Sewa Menyewa Antara Bank Banten Dengan Pemerintah Provinsi PKS / Cooperation
2025 Banten / Review of Draft Lease Agreement between Bank Banten and the Government of Agreement
Banten Province
87 1 Juli 2025 / July 1, Penyampaian Pendapat Hukum atas Penyelesaian Perkara Hukum Ex Debitur Slamet Mulyani Kajian / Review
2025 melalui Restoratif Justice / Submission of Legal Opinion on the Settlement of Legal Case of
Former Debtor Slamet Mulyani through Restorative Justice
88 2 Juli 2025 / July 2, Review atas Draft Perjanjian Kerjasama PT Finnet Indonesia tentang Merchant Akuisisi PKS / Cooperation
2025 Layanan Quick Response Code Indonesia Standar (QRIS) / Review of Draft Cooperation Agreement
Agreement with PT Finnet Indonesia concerning Merchant Acquisition for Quick Response
Code Indonesia Standard (QRIS) Services
328 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 331
Kategori /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
No Tanggal / Date Kegiatan / Activity
Category
89 3 Juli 2025 / July 3, Review Draft Nota Kesepahaman Tentang Pemanfaatan Produk, Jasa dan Layanan PKS / Cooperation
2025 Perbankan Serta Produk Penutupan Asuransi dengan PT Jasa Raharja Putera / Review of Agreement
Draft of Memorandum of Understanding on the Utilization of Banking Products, Services, and
Insurance Coverage with PT Jasa Raharja Putera
90 4 Juli 2025 / July 4, Review Draft Perjanjian Induk Global Pembelian Kembali (GMRA) Bank Maluku Utara / Review PKS / Cooperation
2025 of Draft of Global Master Repurchase Agreement (GMRA) with Bank Maluku Utara Agreement
91 4 Juli 2025 / July 4, Review atas Draft Perjanjian Kerjasama Antara Bank Banten Dengan Notaris/PPAT Mily PKS / Cooperation
2025 Armeilia, S.H.M.Kn / Review of Draft Cooperation Agreement between Bank Banten and Agreement
Notary/PPAT Mily Armeilia, S.H., M.Kn.
92 7 Juli 2025 / July 7, Review Draft Perjanjian Kerjasama Antara Bank Banten dengan PT Asuransi Asei Indonesia PKS / Cooperation
2025 / Review of Draft of Cooperation Agreement between Bank Banten and PT Asuransi Asei Agreement
Indonesia
93 9 Juli 2025 / July 9, Review atas Draft Perjanjian Antara Bank Banten Dengan KJPP Febrian Siregar & Rekan / PKS / Cooperation
2025 Review of Draft Agreement between Bank Banten and KJPP Febrian Siregar & Partners Agreement
94 10 Juli 2025 / July Review PKS Pekerjaan Perapihan & Perbaikan (Reinstate) Gedung Bank Banten di Duta Indah PKS / Cooperation
10, 2025 Iconic / Review of Cooperation Agreement (PKS) for Reinstatement Works at Bank Banten Agreement
Building in Duta Indah Iconic
95 10 Juli 2025 / July Review Draft PKS antara Bank Banten dengan PT Iforte Solusi Infotek / Review of Draft PKS / Cooperation
10, 2025 Cooperation Agreement (PKS) between Bank Banten and PT Iforte Solusi Infotek Agreement
96 16 Juli 2025 / July Review Draft PKS Program Sekolah Gratis Antara Bank Banten dengan Dinas Pendidikan PKS / Cooperation
16, 2025 dan / Review of Draft of Cooperation Agreement (PKS) between Bank Banten and PT Iforte Agreement
Solusi Infotek
97 17 Juli 2025 / July Kajian Draft Kerjasama antara Bank Banten dengan BPKD Kab. Pandeglang tentang PKS / Cooperation
17, 2025 Kerjasama Jasa Layanan Perbankan / Review of Draft Cooperation Agreement between Bank Agreement
Banten and BPKD Pandeglang Regency concerning Banking Service Cooperation
98 22 Juli 2025 / July Kajian Secara Sirkulir Restrukturisasi Eks Karyawan a.n Mohammad Wahyu Hasan / Circular Kajian / Review
22, 2025 Review on Restructuring of Former Employee on behalf of Mohammad Wahyu Hasan
99 29 Juli 2025 / July MoU Antara Kabupaten Serang dengan Bank Banten Tentang Jasa Layanan Perbankan / MoU
29, 2025 Memorandum of Understanding (MoU) between Serang Regency and Bank Banten concerning
Banking Services
100 1 Agustus 2025 / Review Draft Perjanjian Kerjasama dengan Tim Pembina Samsat tentang Pelayanan Pajak PKS / Cooperation
August 1, 2025 Kendaraan Bermotor Tahunan / Review of Draft Cooperation Agreement with the SAMSAT Agreement
Supervisory Team concerning Annual Motor Vehicle Tax Payment Services
101 19 Agustus 2025 / Kajian atas Permohonan Fasilitas Kredit atas nama BPR Lebak Sejahtera / Review of Credit Kajian / Review
August 19, 2025 Facility Request on behalf of BPR Lebak Sejahtera
102 22 Agustus 2025 / Review atas Draft PKS antara bank Banten dengan PT Adventage SCM Tentang jasa Layanan PKS / Cooperation
August 22, 2025 Cash Replenishment/First Level Maintenance ATM / Review of Draft Cooperation Agreement Agreement
between Bank Banten and PT Advantage SCM concerning ATM Cash Replenishment/First
Level Maintenance Services
103 27 Agustus 2025 / Review atas Draft PKS antara bank Banten dengan PT Pasopati Insurance Broker / Review of PKS / Cooperation
August 27, 2025 Draft Cooperation Agreement between Bank Banten and PT Pasopati Insurance Broker Agreement
104 27 Agustus 2025 / Review atas Permohonan Kajian Draft Berita Acara Kesepakatan (BAK) Penempatan Mesin PKS / Cooperation
August 27, 2025 ATM di Mal Pelayanan Publik (MPP) Tangerang Selatan / eview of Draft Minutes of Agreement Agreement
(BAK) for ATM Machine Placement at the Public Service Mall (MPP) South Tangerang
105 27 Agustus 2025 / Resume Permasalahan Hukum PT Harum Nusantara Makmur / Legal Issue Summary of PT Resume
August 27, 2025 Harum Nusantara Makmur
106 27 Agustus 2025 / Kajian Draft Kesepakatan Bersama Antara Bank Banten Cabang Tangerang dengan Pemerintah PKS / Cooperation
August 27, 2025 Kota Tangerang / Review of Draft Joint Agreement between Bank Banten Tangerang Branch Agreement
and the Government of Tangerang City
107 28 Agustus 2025 / Review Draft Nota Kesepahaman dan Non Disclosure Agreement dengan PT BPR Lestari PKS / Cooperation
August 28, 2025 tentang Pemanfaatan Produk, Jasa dan Layanan Perbankan / Review of Draft Memorandum of Agreement
Understanding and Non-Disclosure Agreement with PT BPR Lestari concerning the Utilization
of Banking Products, Services, and Facilities
108 28 Agustus 2025 / Review atas Draft Perjanjian Kerjasama Penyaluran Bantuan BUMDES antara Bank Banten PKS / Cooperation
August 28, 2025 dengan Dinas Pemberdayaan Masyarakat dan Provinsi Banten / Review of Draft Cooperation Agreement
Agreement for the Distribution of BUMDES Assistance between Bank Banten and the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Community Empowerment Office of Banten Province
109 25 Agustus 2025 / Kajian Rencana Hapus Buku Debitur Atas Nama PT Harum Nusantara Makmur / Review of the Kajian / Review
August 25, 2025 Plan for Write-Off of Debtor on behalf of PT Harum Nusantara Makmur
110 2 September 2025 / Perpanjangan Perjanjian Kerjasama dengan PT BPR Hasamitra tentang Pendebetan Manfaat PKS / Cooperation
September 2, 2025 Pensiun Melalui Pemindahbukuan Rekening / Extension of Cooperation Agreement with PT Agreement
BPR Hasamitra concerning Pension Benefit Deduction through Account Transfer
111 3 September 2025 / Review Perjanjian Kerjasama dengan Tim Pembina Samsat tentang Samsat Digital Nasional PKS / Cooperation
September 3, 2025 (SIGNAL) / Review of Cooperation Agreement with the SAMSAT Supervisory Team concerning Agreement
the National Digital SAMSAT (SIGNAL)
2025 Annual Report & Sustainability Report 329
Page 332
Kategori /
No Tanggal / Date Kegiatan / Activity
Category
112 3 September 2025 / Review Draft Perjanjian Kerjasama Sewa Kendaraan Dinas Pejabat Eksekutif dengan PT. PKS / Cooperation
September 3, 2025 Toyota Astra Financial Service dan PT. Mitra Pinasthika Mustika Rent / Review of Draft Agreement
Cooperation Agreement for the Lease of Official Executive Vehicles with PT Toyota Astra
Financial Service and PT Mitra Pinasthika Mustika Rent
113 4 September 2025 / Review atas Perjanjian Kerjasama antara PT Swadharma Sarana Informatika tentang PKS / Cooperation
September 4, 2025 Jasa Layanan Cash Replenishment/First Level Maintenance ATM / Review of Cooperation Agreement
Agreement with PT Swadharma Sarana Informatika concerning ATM Cash Replenishment/
First Level Maintenance Services
114 11 September 2025 Kajian PKS Bantuan Pembayaran Manfaat KC Yogyakarta / Review of Cooperation Agreement PKS / Cooperation
/ September 11, (PKS) for Benefit Payment Assistance at KC Yogyakarta Agreement
2025
115 15 September 2025 Review Draft PKS Bantuan Potong KPRI Sugri / Review of Draft Cooperation Agreement (PKS) PKS / Cooperation
/ September 15, for Installment Deduction Assistance with KPRI Sugri Agreement
2025
116 15 September 2025 Kajian Draft PKS Koperasi GBK / Review of Draft Cooperation Agreement (PKS) with GBK PKS / Cooperation
/ September 15, Cooperative Agreement
2025
117 11 September 2025 Review Perjanjian Kerjasama (PKS) antara Bank Banten dengan PT PLN / Review of PKS / Cooperation
/ September 11, Cooperation Agreement (PKS) between Bank Banten and PT PLN Agreement
2025
118 12 September 2025 Kajian Perjanjian Kerjasama Jasa Layanan Cash In Transit (CIT) dan Cash Processing Center PKS / Cooperation
/ September 12, (CIC) / Review of Cooperation Agreement for Cash In Transit (CIT) and Cash Processing Agreement
2025 Center (CPC) Services
119 6 Oktober 2025 / Draft Perjanjian Kerjasama Antara Bank Banten KC Kelapa Gading dengan Instansi PKS / Cooperation
October 6, 2025 Kementerian Pariwisaat Republik Indonesia tentang Pemberian Fsilitas Kredit Karya Guna / Agreement
Draft of Cooperation Agreement between Bank Banten KC Kelapa Gading and the Ministry of
Tourism of the Republic of Indonesia concerning the Provision of Karya Guna Credit Facilities
120 21 Oktober 2025 / Kajian Penarikan/Penebusan sebagai agunan atas nama PT Makmur Jaya Kreasindo selaku Kajian / Review
October 21, 2025 avalist atas fasilitas kredit PT Dwi Darma Jaya / Review of Withdrawal/Redemption as Collateral
on behalf of PT Makmur Jaya Kreasindo as Avalist for the Credit Facility of PT Dwi Darma Jaya
121 21 Oktober 2025 / Review Amandemen Keempat dengan PT Finnet Indonesia tentang Penerimaan Pembayaran PKS / Cooperation
October 21, 2025 Tagihan Multibiller / Review of Fourth Amendment with PT Finnet Indonesia concerning Multi- Agreement
Biller Invoice Payment Collection
123 23 Oktober 2025 / Review Perjanjian Kerjasama (PKS) Pekerjaan Renovasi Perbaikan dan Perapihan (Reinstate) PKS / Cooperation
October 23, 2025 Gedung BGD Ex-KPNO di Gedung Ruko Sembilan / Review of Cooperation Agreement (PKS) Agreement
for Renovation, Repair, and Reinstatement Works of the BGD Ex-KPNO Building at Sembilan
Shop-House Building
125 24 Oktober 2025 / Review Kerjasama dengan DPMD Provinsi Banten tentang Penyaluran Bantuan Program PKS / Cooperation
October 24, 2025 Sarjana dan BUMDES / Review of Cooperation Agreement with DPMD of Banten Province Agreement
concerning the Distribution of Scholarship Program Assistance and BUMDES
125 27 Oktober 2025 / Kajian Review Perjanjian Kerja Sama antara Bank Banten dengan Pemerintah Kota Serang / PKS / Cooperation
October 27, 2025 Review of Cooperation Agreement between Bank Banten and the Government of Serang City Agreement
126 28 Oktober 2025 / Kajian Perjanjian kerjasama (PKS) Pekerjaan Maintenance Hardware Security Module (HSM) PKS / Cooperation
October 28, 2025 Payshield 10K Selama 1 Tahun pada PT Dymar Jaya Indonesia / Review of Cooperation Agreement
Agreement (PKS) for the Maintenance of Hardware Security Module (HSM) Payshield 10K for
1 Year at PT Dymar Jaya Indonesia
127 30 Oktober 2025 / Kajian Pelunasan dengan Permohonan Keringanan Debitur atas nama PT. Lanray Permana / Kajian / Review
October 30, 2025 Review of Settlement with Request for Relief by Debtor on behalf of PT Lanray Permana
128 5 November 2025 / Review Perjanjian Kerjasama (PKS) Pengelolaan Layanan Contact Center Bank Banten PKS / Cooperation
November 5, 2025 dengan PT Jaring Synergi Mandiri / Review of Cooperation Agreement (PKS) for Contact Agreement
Center Management Services of Bank Banten with PT Jaring Synergi Mandiri
129 6 November 2025 / Review Perjanjian Kerja Sama (PKS) Jasa Pendampingan Audit Teknologi Informasi dengan PT PKS / Cooperation
November 6, 2025 Pilar Teknologi Sinergi / Review of Cooperation Agreement (PKS) for Information Technology Agreement
Audit Assistance Services with PT Pilar Teknologi Sinergi
130 6 November 2025 / Review Perjanjian Kerja Sama (PKS) Audit Laporan Keuangan Tahun 2025 oleh KAP Kanaka PKS / Cooperation
November 6, 2025 Puradiredja / Review of Cooperation Agreement (PKS) for the 2025 Financial Statement Audit Agreement
by KAP Kanaka Puradiredja
131 10 November 2025 / Review Draft Berita Acara Kesepakatan Pertanggungan Asuransi Kesehatan dan Kesepakatan PKS / Cooperation
November 10, 2025 Pertanggungan Asuransi Jiwa bagi BOD/BOC dan Karyawan/Ti beserta Keluarga Periode Agreement
2025-2026 / Review of Draft Minutes of Agreement for Health Insurance Coverage and Life
Insurance Coverage for BOD/BOC and Employees and Their Families for the Period 2025–
2026
132 14 November 2025 / Review Perjanjian Kerja Sama Pengadaan Cetak Buku/Kartu Tabungan Simpel Program / PKS / Cooperation
November 14, 2025 Review of Cooperation Agreement for the Procurement of Simpel Program Savings Passbook/ Agreement
Card Printing
330 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 333
Kategori /
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
No Tanggal / Date Kegiatan / Activity
Category
133 18 November 2025 Review Perjanjian Kerja Sama / Review of Cooperation Agreement PKS / Cooperation
/ November 18, Agreement
2025
134 19 November 2025 / review atas Perjanjian Sewa Menyewa antara Bank Banten dengan Pemilik Gedung Eksisting PKS / Cooperation
November 19, 2025 KCK Serang / Review of Lease Agreement between Bank Banten and the Owner of the Existing Agreement
KCK Serang Building
135 21 November 2025 / Review Draft Perjanjian Kerja Sama Asuransi Kesehatan dan Administrative Service Only PKS / Cooperation
November 21, 2025 (ASO) Periode 2025-2026 / Review of Draft Cooperation Agreement for Health Insurance and Agreement
Administrative Service Only (ASO) for the Period 2025–2026
136 24 November 2025 / Review PKS antara Bank Banten dengan PT OBS Solusi Teknologi Indonesia Terkait Annual PKS / Cooperation
November 24, 2025 Maintenance Sistem Aplikasi Treasury / Review of Cooperation Agreement (PKS) between Agreement
Bank Banten and PT OBS Solusi Teknologi Indonesia concerning Annual Maintenance of the
Treasury System Application
137 24 November 2025 / Review Perjanjian Kerjasama RKUD Provinsi Banten 2026 (Matriks RKUD) / Review of PKS / Cooperation
November 24, 2025 Cooperation Agreement for Banten Province RKUD 2026 (RKUD Matrix) Agreement
138 25 November 2025 Review Perjanjian Kerjasama Penyaluran Bantuan Sosial Usaha Ekonomi (UEP) Produktif PKS / Cooperation
/ November 25, Dinas Sosial Provinsi Banten Tahun 2025 / Review of Cooperation Agreement for the Agreement
2025 Distribution of Productive Social Assistance for Economic Enterprises (UEP) by the Social
Services Office of Banten Province for the Year 2025
139 24 November 2025 / Review Perjanjian Kerjasama RKUD Provinsi Banten 2026 (Matriks RKUD) / Review of PKS / Cooperation
November 24, 2025 Cooperation Agreement for Banten Province RKUD 2026 (RKUD Matrix) Agreement
140 26 November 2025 / Kajian Draft PKS Pihak Independen Anggota Komite Dewan Komisaris / Review of Draft PKS / Cooperation
November 26, 2025 Cooperation Agreement (PKS) for Independent Members of the Board of Commissioners’ Agreement
Committees
141 1 Desember 2025 / Review Draft Perjanjian Kerjasama antara Bank Banten dan PT Kirana Sakti Komputindu PKS / Cooperation
December 1, 2025 Tentang Pengadaan Antivirus Bitdefender / Review of Draft Cooperation Agreement between Agreement
Bank Banten and PT Kirana Sakti Komputindo concerning the Procurement of Bitdefender
Antivirus
142 2 Desember 2025 Review Draft Kesepakatan Bersama antara Bank Banten Cabang Tangerang dengan RSUD PKS / Cooperation
/ December 2, 2025 Kota Tangerang / Review of Draft Cooperation Agreement between Bank Banten and PT Agreement
Kirana Sakti Komputindo concerning the Procurement of Bitdefender Antivirus
143 10 Desember 2025 / Review Draft PKS RSUD BLUD Adjidarmo / Review of Draft Cooperation Agreement (PKS) PKS / Cooperation
December 10, 2025 with RSUD BLUD Adjidarmo Agreement
Litigasi Litigation
No Tanggal / Date Kegiatan / Activity
1 6 Januari 2025 / Kajian Hukum Terhadap Tanggapan PT Perikanan Indonesia atas Surat Nomor: 1031. / Legal Review of the Response
January 6, 2025 from PT Perikanan Indonesia regarding Letter No. 1031.
2 14 Januari 2025 / a. Kajian Hukum dan Riview Terhadap Draft Side Letter Agreement PT. Perikanan Indonesia. / Legal Review of the
January 14, 2025 Draft Side Letter Agreement of PT Perikanan Indonesia.
b. Kajian Hukum atas Permasalahan Hukum yang ada di Bank Banten Pondok Indah. / Legal Review of Legal Issues
at Bank Banten Pondok Indah.
3 20 Januari 2025 / Putusan Persidangan Perkara Perdata Nomor: 45/Pdt.G/2024/PN.Pkl / Civil Court Decision on Case No. 45/
Januari 20, 2025 Pdt.G/2024/PN.Pkl.
4 5 Februari 2025 / Kajian Hukum atas Surat dari Bank BJB terkait Mekanisme Take Over. / Legal Review of the Letter from Bank BJB
February 5, 2025 concerning the Take-Over Mechanism.
5 10 Februari 2025 / a. Legal Opini terkait Pihak Ketiga (Lawyer) untuk Inbreng (KUB). / Legal Opinion concerning a Third Party (Lawyer)
February 10, 2025 for Inbreng (Business Combination/KUB).
b. Permohonan Kajian dan Riview Kepada Divisi Manrisk dan Divisi Kepatuhan terkait Draft Kebijakan Hukum. /
Request for Review and Assessment to the Risk Management Division and Compliance Division concerning the
Draft Legal Policy.
6 11 Februari 2025 / Rekomendasi Penggunaan Templates PKS yang telah diperbaharui dan disesuaikan berdasarkan Ketentuan Hukum
February 11, 2025 yang berlaku. / Recommendation for the Use of Updated and Revised PKS Templates in accordance with Applicable
Legal Provisions.
7 13 Februari 2025 / a. Pandangan Hukum/Opini Hukum terhadap Pengambilan Jaminan Kredit Mikro. / Legal Opinion on the Release of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
February 13, 2025 Micro Credit Collateral.
b. Izin Prinsip Permohonan Pembahasan Templates Baku Perjanjian Kredit Komersial dan Kredit Konsumer. / Principle
Approval for the Discussion of Standard Templates for Commercial Credit and Consumer Credit Agreements.
8 27 Februari 2025 / Report terkait pertemuan dengan Kejaksaan Tinggi Banten dan usulan konsep draft Legal Opini dari Kejaksaan Tinggi
February 27, 2025 Banten ke Bank Banten. / Report on the Meeting with the High Prosecutor’s Office of Banten and Proposed Draft Legal
Opinion from the High Prosecutor’s Office of Banten to Bank Banten.
9 3 Maret 2025 / Melakukan Pendampingan Hukum kepada Divisi Penyelesaian & Penyelamatan Kredit untuk menghadiri Aanmaning
March 3, 2025 di Pengadilan Negeri Singaraja / Provision of Legal Assistance to the Credit Settlement and Rescue Division to attend
the Aanmaning (Court Warning) proceedings at the Singaraja District Court.
2025 Annual Report & Sustainability Report 331
Page 334
No Tanggal / Date Kegiatan / Activity
10 5 Maret 2025 / Mengajukan Penambahan Pekerjaan kepada Kantor Hukum Hansel ke UKK Umum. / Submission of Additional Work
March 5, 2025 Request to Hansel Law Firm to the General Support Work Unit.
11 10 Maret 2025 / Laporan atas hasil Kunjungan ke Kantor Hukum Kasoegi / Report on the Results of a Visit to Kasoegi Law Firm.
March 10, 2025
12 11 Maret 2025 / Memorandum dan Izin Prinsip terkait Rencanan Penyelesaian Perkara PT Mituna Nagareksa (Menara Topaz), PT
March 10, 2025 Dakara Makmur, PT Asuransi Jiwastarinvestama (Relief) dengan menggunakan Jasa Kantor Hukum (Lawyer). /
Memorandum and Principle Approval concerning the Planned Settlement of Cases involving PT Mituna Nagareksa
(Menara Topaz), PT Dakara Makmur, and PT Asuransi Jiwastarinvestama (Relief) through the engagement of a Law
Firm.
13 14 Maret 2025 / Permintaan Data/ Dokumen terkait PT Asuransi Jiwastarinvestama (Relief) dan PT Mituna Nagareksa (Menara Topaz)
March 14, 2025 kepada Divisi CR-ADK dan UKK Umum. / Request for Data/Documents relating to PT Asuransi Jiwastarinvestama
(Relief) and PT Mituna Nagareksa (Menara Topaz) from the CR-ADK Division and the General Support Work Unit.
14 17 Maret 2025 / a. Kajian Hukum atas Pengkinian Kebijakan Perkreditan Bank Banten. / Legal Review of the Updated Credit Policy
March 17, 2025 of Bank Banten.
b. Putusan Banding Perkara Perdata Nomor: 125/PDT/2025/PT.Smg. / Appeal Decision on Civil Case No. 125/
PDT/2025/PT.Smg.
15 18 Maret 2025 / Pendampingan Hukum terhadap Divisi Penyelesaian dan Penyelamatan Kredit atas Panggilan Saksi dari Polresta
March 18, 2025 Cirebon terkait Perjanjian Restrukturisasi Kredit antara Bank Banten dengan PT Wanamas Multi Finance. / Legal
Assistance to the Credit Settlement and Rescue Division in response to a Witness Summons from the Cirebon Police
(Polresta Cirebon) concerning the Credit Restructuring Agreement between Bank Banten and PT Wanamas Multi
Finance.
16 8 April 2025 / April Kajian Hukum terhadap Kreditur PT Nusantara Sahabat Abadi / Legal Review concerning the Creditors of PT
8, 2025 Nusantara Sahabat Abadi.
17 10 April 2025 / April a. Kajian Hukum terhadap SOP Penetapan Harga. / Legal Review of the Pricing SOP.
10, 2025 b. Kajian Hukum terhadap Pengkinian SOP Kebijakan Perkreditan. / Legal Review of the Updated Credit Policy SOP.
c. Kajian Hukum Petunjuk Teknis Monitoring. / Legal Review of the Credit Monitoring Technical Guidelines.
18 14 April 2025 / April a. Usulan Draft PKS PT Bank Pembangunan Daerah Banten (Perseroda) Tbk dengan Pihak Ketiga. / Proposed Draft
14, 2025 Cooperation Agreement (PKS) between PT Bank Pembangunan Daerah Banten (Perseroda) Tbk and Third Parties.
b. Melakukan Pendampingan Hukum kepada Divisi Penyelesaian & Penyelamatan Kredit untuk menghadiri Aanmaning
di Pengadilan Negeri Singaraja / Provision of Legal Assistance to the Credit Settlement and Rescue Division to
attend the Aanmaning proceedings at the Singaraja District Court.
19 15 April 2025 / April Menghadiri Persidangan di Pengadilan Tata Usaha Negara Bandung terkait Obyek Sengketa SHM Nomor: 2184
15, 2025 yang memiliki HT Nomor: 482/2015 atas nama Pemegang Hak Tanggungan PT Bank Pundi Tbk. / Attendance at the
Administrative Court (PTUN) Bandung hearing concerning the Object of Dispute, Certificate of Ownership (SHM) No.
2184, with Mortgage Right (HT) No. 482/2015 on behalf of the Mortgage Holder, PT Bank Pundi Tbk.
20 22 April 2025 / April Update Laporan hasil Aanmaning di Pengadilan Negeri Singaraja pada tanggal 17 April 2025 kepada Direksi. / Update
22, 2025 Report on the Results of the Aanmaning Proceedings at the Singaraja District Court held on April 17, 2025, submitted
to the Board of Directors.
21 30 April 2025 / April Legal Opini terhadap Penyelesaian atas Agunan PT Adik Abang. / 2025Legal Opinion on the Settlement of Collateral
30, 2025 belonging to PT Adik Abang.
22 7 Mei 2025 / May Permintaan Persetujuan Tindaklanjut Pelaksanaan Lelang Eksekusi Agunan PT Farmel Cahaya Mandiri. / Request for
7, 2025 Approval of Follow-Up on the Execution Auction of Collateral of PT Farmel Cahaya Mandiri.
23 19 Mei 2025 / May a. Draft Buku Saku (Panduan untuk Karyawan/I, apabila terdapat Panggilan dari Instansi, Organisasi dan Aparat
19, 2025 Penegak Hukum). / Draft Pocket Guide (Guidelines for Employees in the event of Summons from Agencies,
Organizations, and Law Enforcement Officials).
b. Kajian Hukum terhadap Itikad Pelunasan PT Noval Indo Pratama. / Legal Review of the Repayment Intent of PT
Noval Indo Pratama.
c. Permohonan Opini terhadap Surat Pernyataan Komitmen Tanggung Jawab untuk kebutuhan Likuiditas Permodalan.
/ Request for Opinion on the Statement of Commitment and Accountability Letter for Capital Liquidity Purposes.
24 20 Mei 2025 / May a. Kajian Hukum Terhadap Pengaduan Nasabah Bank Banten atas Undian Berhadiah. / Legal Review of a Customer
20, 2025 Complaint against Bank Banten concerning a Prize Draw.
b. Kajian Hukum atas Anggaran Dasar PT Bank Pembangunan Daerah Banten (Perseroda) Tbk, terkait Ruang
Lingkup Tugas dan Kewenangan Dewan Komisaris beserta Direksi, Mekanisme Proses Penjamin dan/atau
Pernyataan Kepada Pihak Ketiga. / Legal Review of the Articles of Association of PT Bank Pembangunan Daerah
Banten (Perseroda) Tbk, concerning the Scope of Duties and Authority of the Board of Commissioners and Board
of Directors, and the Mechanism for the Process of Guarantees and/or Statements to Third Parties.
c. Putusan Perkara Perdata Nomor: 162/Pdt.G/2024/PN.Ckr. / Civil Court Decision on Case No. 162/Pdt.G/2024/
PN.Ckr.
25 10 Juni 2025 / June Rapat Pembahasan atas Klaim Asuransi yang diajukan atas nama Mat Dayyan. / 2025Meeting to Discuss the
10, 2025 Insurance Claim filed on behalf of Mat Dayyan.
26 11 Juni 2025 / a. Pendampingan Hukum Bank Banten Cabang Balaraja untuk didengar keterangannya di Polresta Balaraja. / Legal
June 11, 2025 Assistance for Bank Banten Balaraja Branch to provide testimony at the Balaraja Police (Polresta Balaraja).
b. Pendampingan Hukum Bank Banten KCK Serang untuk didengar keterangannya di Polda Banten. / Legal Assistance
for Bank Banten KCK Serang to provide testimony at the Banten Regional Police (Polda Banten).
27 16 Juni 2025 / June Kajian Hukum atas Klaim Asuransi yang diajukan Kreditur atas nama Mat Dayyan. / 2025Legal Review of the Insurance
15, 2025 Claim filed by the Creditor on behalf of Mat Dayyan.
28 20 Juni 2025 / June Kunjungan ke Kantor Hukum Syahala / Visit to Syahala Law Firm.
20, 2025
332 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 335
No Tanggal / Date Kegiatan / Activity
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
29 21 Juni 2025 / June Pendampingan Hukum Bank Banten Cabang Kelapa Gading untuk menghadiri agenda Persidangan di Pengadilan
21, 2025 Negeri Cikarang. / Legal Assistance for Bank Banten Kelapa Gading Branch to attend a Court Hearing at the Cikarang
District Court.
30 23 Juni 2025 / June Pengajuan Pengkinian Kebijakan Hukum kepada Direksi. / Submission of Updated Legal Policy to the Board of
23, 2025 Directors.
31 26 Juni 2025 / June Kajian Hukum atas Surat Pernyataan Pencabutan Surat Kuasa tertanggal 18 Mei 2024. / Legal Review of the
26, 2025 Statement of Revocation of Power of Attorney dated May 18, 2024.
32 8 Juli 2025 / July 8, Laporan Hasil Diskusi atas Klaim Asuransi yang diajukan atas nama Mat Dayyan kepada Direksi. / Report on the
2025 Results of the Discussion on the Insurance Claim filed on behalf of Mat Dayyan, submitted to the Board of Directors.
33 14 Juli 2025 / July Izin Prinsip Penanganan Internal terkait dengan menghadiri Persidangan Perkara Perdata No. 31 di Pengadilan Negeri
14, 2025 Pangkalan Balai. / Principle Approval for Internal Handling in relation to attendance at the Civil Case Hearing No. 31
at the Pangkalan Balai District Court.
34 18 Juli 2025 / July Pendampingan Hukum Bank Banten Cabang Palembang menghadiri agenda Persidangan di Pengadilan Negeri
18, 2025 Pangkalan Balai. / Legal Assistance for Bank Banten Palembang Branch to attend a Court Hearing at the Pangkalan
Balai District Court.
35 08 Agustus 2025 / Kajian Hukum Offering Letter dari Bank Bjb. / Legal Review of the Offering Letter from Bank BJB.
August 8, 2025
36 12 Agustus 2025 / Putusan Banding Perkara Perdata Nomor: 434/PDT/2025/PT.Bdg. / Appeal Decision on Civil Case No. 434/PDT/2025/
August 12, 2025 PT.Bdg.
37 15 Agustus 2025 / Kajian Hukum terkait PT Otomas. / 2025Legal Review concerning PT Otomas.
August 15, 2025
38 29 Agustus 2025 / Resume Permasalahan Hukum PT Harum Nusantara Makmur. / 2025Legal Issue Summary of PT Harum Nusantara
August 29, 2025 Makmur.
39 18 September 2025 Putusan Kasasi Perkara Perdata Nomor: 3276 K/PDT/2025. / Cassation Decision on Civil Case No. 3276 K/PDT/2025.
/ September 18,
2025
40 23 September 2025 Update Perkembangan Penanganan Agunan PT Farmel Cahaya Mandiri. / Update on the Progress of Collateral
/ September 23, Handling for PT Farmel Cahaya Mandiri.
2025
41 26 September 2025 Penandatanganan Banpot dengan Bank BJB. / Signing of the Installment Deduction Assistance Agreement (Banpot)
/ September 26, with Bank BJB.
2025
42 8 Oktober 2025 / Izin Prinsip terkait SKK dengan Kejaksaan Tinggi Banten. / Principle Approval concerning the Special Credit Handling
October 8, 2025 Agreement (SKK) with the High Prosecutor’s Office of Banten.
43 9 Oktober 2025 Tindaklanjut Penanganan Perkara Menara Topaz. / Follow-Up on the Handling of the Menara Topaz Case.
/ October 9, 2025
44 14 Oktober 2025 Memorandum dan Izin Prinsip Penanganan Perkara Perdata Nomor: 466/Pdt.G/2025/PN.Sby. / Memorandum and
/ October 14, 2025 Principle Approval for the Handling of Civil Case No. 466/Pdt.G/2025/PN.Sby.
45 15 Oktober 2025 / Report Penanganan Permasalahan Hukum Perdata dan Pidana. / Report on the Handling of Civil and Criminal Legal
October 15, 2025 Issues.
46 28 Oktober 2025 Kajian Hukum terkait Penyelesaian Kredit Debitur atas nama PT Farmel Cahaya Mandiri melalui Fiat Eksekusi di
/ October 28, 2025 Pengadilan Negeri Singaraja. / Legal Review concerning the Settlement of Credit for Debtor PT Farmel Cahaya
Mandiri through Fiat Execution at the Singaraja District Court.
47 29 Oktober 2025 / Jawaban atas Permintaan waktu Audensi Kejaksaan Tinggi Banten. / Response to the Request for an Audience with
October 29, 2025 the High Prosecutor’s Office of Banten.
48 17 November 2025 Menghadiri Lelang Eksekusi Agunan PT Farmel Cahaya Mandir di KPKNL Singaraja. / Attendance at the Execution
/ November 17, Auction of Collateral of PT Farmel Cahaya Mandiri at KPKNL Singaraja.
2025
49 19 November 2025 Putusan Perkara Perdata Nomor: 31/Pdt.G/2025/PN.Pkb. / Civil Court Decision on Case No. 31/Pdt.G/2025/PN.Pkb.
/ November 19,
2025
50 5 Desember 2025 / Legal Opini terkait Rencana Pengambilan Agunan Ex Debitur Lunas atas nama Ni Made Indri Yuniarti. / 5, 2025Legal
December 5, 2025 Opinion concerning the Planned Release of Collateral of a Fully Settled Former Debtor on behalf of Ni Made Indri
Yuniarti.
51 10 Desember 2025 / Riview PKS Divisi Operasional, Jaringan dan Layanan terkait Jasa Konsultan Sertifikasi Sitem Keamanan Informasi
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
December 10, 2025 atau SLI ISO/IEC 27001:2022 Bank Banten kepada PT Roberre Manajemen Indonesia. / Review of Cooperation
Agreement (PKS) of the Operations, Network, and Services Division concerning Information Security System
Certification Consultant Services (SLI ISO/IEC 27001:2022) for Bank Banten with PT Roberre Manajemen Indonesia.
52 11 Desember 2025 / Riview PKS Bank Banten dengan PAC. / Review of Cooperation Agreement (PKS) between Bank Banten and PAC.
December 11, 2025
53 15 Desember 2025 / Riview dan Kajian Hukum SOP. / Review and Legal Assessment of SOP.
December 15, 2025
54 22 Desember 2025 / Tanggapan atas Pemenuhan Komitmen dengan OJK. / Response to the Fulfillment of Commitments with OJK
December 22, 2025 (Financial Services Authority).
2025 Annual Report & Sustainability Report 333
Page 336
6. Aktivitas Literasi 6. Literacy Activities
Sesuai dengan ketentuan Regulator terkait Literasi/ In accordance with regulatory provisions regarding
Edukasi dan Inklusi Keuangan, sepanjang Tahun 2025 Literacy/Education and Financial Inclusion, 19 (nineteen)
telah dilakukan sebanyak 19 (sembilan belas) kali literacy-related activities were conducted throughout
kegiatan / Aktivitas terkait Literasi. Jumlah ini lebih tinggi 2025. This number exceeds the minimum requirement
dari kewajiban minimum (2x dalam setahun). Adapun (twice per year). The details of the Literacy (Education)
inisiasi pelaksanaan Literasi (Edukasi) dan Inklusi and Inclusion initiatives are as follows:
dengan rincian sebagai berikut:
Semester 1 Semester 1
Jenis
Tgl Pelaksanaan
Kegiatan Kolaborasi /
No. / Implementation Audience Lokasi / Location Inisiator / Initiator
/ Type of Collaboration
Date
Activity
1. Literasi 28 Maret 2025 / Pelaku UMKM, KP3B, Kota Serang DINKOP UMKM DINKOP UMKM
(Edukasi) March 28, 2025 Mahasiswa / / Banten Provincial Prov. Banten / Office Prov. Banten / Office
/ Literacy MSMEs, College Government Center of Cooperatives and of Cooperatives and
(Education) Students Area, Serang City MSMEs of Banten MSMEs of Banten
Province Province, OJK Banten
2. 28 Mei 2025 / Pelajar / Students Kota Tangerang KCP Bintaro Dinas Pendidikan /
May 28, 2025 Selatan / South Education Agency
Tangerang City
3. 03 Juni 2025 / Pelajar / Students Kabupaten Serang / KCK Serang Dinas Pendidikan /
June 03, 2025 Serang Regency Education Agency
4. 03 Juni 2025 / Pelajar / Students Kabupaten KC Balaraja Dinas Pendidikan /
June 03, 2025 Tangerang / Education Agency
Tangerang Regency
5. 04 Juni 2025 / Pelajar / Students Kota Serang / KCP Kramatwatu Dinas Pendidikan /
June 04, 2025 Serang City Education Agency
6. 04 Juni 2025 / Pelajar / Students Kota Cilegon / KC Cilegon Dinas Pendidikan /
June 04, 2025 Cilegon City Education Agency
7. 05 Juni 2025 / Pelajar / Students Kabupaten KC Pandeglang Dinas Pendidikan /
June 05, 2025 Pandeglang / Education Agency
Pandeglang
Regency
8. 05 Juni 2025 / Pelajar / Students Kabupaten Lebak / KC Rangkasbitung Dinas Pendidikan /
June 05, 2025 Lebak Regency Education Agency
9. 13 Juni 2025 / BUMDes / Village- Kabupaten KC Pandeglang Kades & Perangkat
June 13, 2025 Owned Enterprises Pandeglang / Desa Kab. Pandeglang /
Pandeglang Village Heads & Village
Regency Officials of Pandeglang
Regency
10. Inklusi 23, 24, 25 Mei 2025 Masyarakat / Bintaro Exchange Kantor Pusat / BI KPw. Banten / Bank
Keuangan / May 23, 24, 25, Community Mall Head Office Indonesia Banten
/ Financial 2025 Branch
Inclusion
Semester 2 Semester 2
Jenis
Tgl Pelaksanaan
Kegiatan Kolaborasi /
No. / Implementation Audience Lokasi / Location Inisiator / Initiator
/ Type of Collaboration
Date
Activity
1 Inklusi 17 Oktober 2025 / Pegawai, Kota Serang / Dinas Pemuda, DISPORA Prov. Banten
Keuangan October 17, 2025 Masyarakat, UMKM Serang City Olahraga, dan / Youth and Sports
/ Financial / Employees, Pariwisata Prov. Banten Agency of Banten
Inclusion Community, / Department of Youth, Province
MSMEs Sports, and Tourism of
Banten Province
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Jenis
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Tgl Pelaksanaan
Kegiatan Kolaborasi /
No. / Implementation Audience Lokasi / Location Inisiator / Initiator
/ Type of Collaboration
Date
Activity
2 20 Oktober 2025 / Pegawai / Kab. Tangerang / KC Balaraja BLUD RSUD Balaraja /
October 20, 2025 Employees Tangerang Regency Regional Public Service
Agency of Balaraja
Regional General
Hospital
3 22 Oktober 2025 / UMKM / MSMEs Kab. Tangerang / Kementerian UMKM / Kementerian UMKM /
October 22, 2025 Tangerang Regency Ministry of MSMEs Ministry of MSMEs
4 21-22 Oktober 2025 Pegawai, Profesi Tangerang Dinas Penanaman DPMPTSP Prov. Banten
/ October 21-22, / Employees, Modal dan Pelayanan / Investment and One-
2025 Professions Terpadu Satu Pintu Stop Integrated Services
Prov. Banten / Agency of Banten
Investment and One- Province
Stop Integrated Services
Agency of Banten
Province
5 25 Oktober 2025 / Masyarakat / Malang Otoritas Jasa Keuangan OJK Malang
October 25, 2025 Community Malang / Malang
Financial Services
Authority
6 24-25 Oktober 2025 Masyarakat / Manado Otoritas Jasa Keuangan, OJK Sulawesi Utara /
/ October 24-25, Community SulutGoMalut / Financial OJK North Sulawesi
2025 Services Authority,
SulutGoMalut
7 31 Oktober - 01 Masyarakat / Cilegon Otoritas Jasa Keuangan OJK Banten
November 2025 Community Banten / Banten
/ October 31 - Financial Services
November 01, 2025 Authority
8 25-26 Oktober 2025 Pegawai, Kota Serang / Dinas Pemuda, DISPORA Prov. Banten
/ October 25-26, Masyarakat, UMKM Serang City Olahraga, dan / Youth and Sports
2025 / Employees, Pariwisata Prov. Banten Agency of Banten
Community, / Department of Youth, Province
MSMEs Sports, and Tourism of
Banten Province
9 Literasi 25-26 Oktober 2025 Pegawai, Kota Serang / Dinas Pemuda, DISPORA Prov. Banten
(Edukasi) / October 25-26, Masyarakat, UMKM Serang City Olahraga, dan / Youth and Sports
/ Literacy 2025 / Employees, Pariwisata Prov. Banten Agency of Banten
(Education) Community, / Department of Youth, Province
MSMEs Sports, and Tourism of
Banten Province
SATUAN KERJA AUDIT INTERNAL INTERNAL AUDIT UNIT
Satuan Kerja Audit Intern (SKAI), dalam hal ini Divisi The Internal Audit Unit (SKAI), in this case the Internal Audit
Audit Internal (DAI), berperan dalam memberikan layanan Division (DAI), plays a role in providing independent and
assurance dan konsultasi secara independen serta objektif objective assurance and consulting services to enhance
untuk meningkatkan nilai dan efisiensi operasional bank. the value and operational efficiency of the Bank. This
Fungsi ini mendukung pencapaian tujuan bank dengan function supports the achievement of the Bank’s objectives
menilai serta memperbaiki efektivitas manajemen risiko, by evaluating and improving the effectiveness of risk
pengendalian internal, dan tata kelola melalui pendekatan management, internal control, and governance processes
sistematis serta terstruktur. through a systematic and structured approach.
DASAR HUKUM SATUAN KERJA AUDIT INTERNAL LEGAL BASIS OF THE INTERNAL AUDIT UNIT
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Fungsi Audit Internal Bank dilaksanakan oleh SKAI The Bank's Internal Audit function is carried out by SKAI
berdasarkan ketentuan sebagai berikut: based on the following regulations:
1. POJK No. 1/ POJK.03/2019 tanggal 28 Januari 2019 1. OJK Regulation No. 1/POJK.03/2019 dated January 28,
tentang Penerapan Fungsi Audit Internal pada Bank 2019 concerning the Implementation of Internal Audit
Umum. Function in Commercial Banks.
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2. POJK No. 56/POJK.04/2015 tanggal 23 Desember 2. OJK Regulation No. 56/POJK.04/2015 dated December 2015 tentang Pembentukan dan Pedoman Penyusunan 23, 2015 concerning the Establishment and Charter Piagam Unit Audit Internal. Preparation Guidelines for Internal Audit Units. PEDOMAN SATUAN KERJA AUDIT INTERNAL INTERNAL AUDIT UNIT GUIDELINES Piagam Audit Internal disusun berdasarkan ketentuan The Internal Audit Charter is prepared based on the dalam Peraturan OJK No. 56/POJK.04/2015 dan No. provisions of OJK Regulation No. 56/POJK.04/2015 and 1/POJK.03/2019. Piagam ini ditetapkan melalui Surat No. 1/POJK.03/2019. The Charter was established through Keputusan Direksi Perseroan No. 1044/SK/DIR-BB/VI/2024 the Board of Directors Decree No. 1044/SK/DIR-BB/VI/2024 tanggal 28 Juni 2024. dated June 28, 2024. Di dalam piagam audit internal memuat hal-hal sebagai The internal audit charter includes the following: berikut: 1. Maksud, tujuan, ruang lingkup pembahasan, penetapan 1. Purpose, objectives, scope of discussion, charter piagam dan kajian berkala. establishment, and periodic review. 2. Tugas, kewenangan dan tanggung jawab. 2. Duties, authorities, and responsibilities. 3. Visi, misi dan fungsi. 3. Vision, mission, and function. 4. Struktur dan kedudukan Divisi Audit Internal. 4. Structure and position of the Internal Audit Division. 5. Kode Etik Divisi Audit Internal. 5. Internal Audit Division Code of Ethics. 6. Prinsip Dasar (Core Principles) dan Tata Perilaku (Code 6. Core Principles and Code of Conduct. Of Conduct). 7. Persyaratan Auditor Internal. 7. Internal Auditor requirements. 8. Pertanggungjawaban aktivitas Audit Internal. 8. Accountability for Internal Audit activities. 9. Pengendalian Mutu. 9. Quality control. 10. Perangkapan Tugas dan Jabatan Auditor Internal. 10. Concurrent tasks and positions of Internal Auditors. 11. Penggunaan Tenaga Ahli Eksternal. 11. Use of external experts. 12. Hubungan Dengan Otoritas Jasa Keuangan. 12. Relationship with the Financial Services Authority. 13. Syarat dan Ketentuan Dalam Menjaga Independensi 13. Terms and conditions for maintaining independence dan Obyektivitas. and objectivity. 14. Tanggung Jawab dan Akuntabilitas Kepala Divisi Audit 14. Responsibilities and accountability of the Head of Internal. Internal Audit Division. 15. Persyaratan Untuk Mematuhi Standar Profesional Audit 15. Requirements to comply with Internal Audit professional Internal. standards. 16. Prosedur Koordinasi Audit Internal dengan Ahli Hukum 16. Procedures for coordination between Internal Audit and atau Auditor Eksternal. legal experts or external auditors. 17. Kebijakan Pembatasan dan Masa Tunggu (Cooling Off 17. Restriction and Cooling Off Period Policies. Period). 18. Stages of Internal Audit implementation. 18. Tahapan Pelaksaan Audit Internal. STRUKTUR DAN KEANGGOTAAN SATUAN KERJA STRUCTURE AND MEMBERSHIP OF THE INTERNAL AUDIT INTERNAL AUDIT UNIT Secara struktural, Satuan Kerja Audit Internal berada di Structurally, the Internal Audit Unit reports to the President bawah Direktur Utama. Di tahun 2025, keanggotaan Satuan Director. In 2025, the membership of the Internal Audit Unit Kerja Audit Internal terdiri dari: consists of: 336 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Jabatan / Position Jumlah (orang) / Total (people)
Kepala Divisi / Head of Division 1
Kepala Bagian / Head of Section 4
Investigator 1
Pencegahan Fraud / Fraud Prevention 1
Auditor Umum dan TI / General and IT Auditor 4
Auditor Kredit / Credit Auditor 3
Audit Support 1
Audit Pengendalian Mutu / Quality Control Audit 1
PENGANGKATAN DAN PEMBERHENTIAN SATUAN APPOINTMENT AND DISMISSAL OF THE INTERNAL
KERJA AUDIT INTERNAL AUDIT UNIT
Kepala Divisi Audit Internal diangkat dan diberhentikan oleh The Head of the Internal Audit Division is appointed and
Direktur Utama dengan persetujuan dari Dewan Komisaris, dismissed by the President Director with the approval of the
berdasarkan rekomendasi dari Komite Audit. Board of Commissioners, based on the recommendation of
the Audit Committee.
PROFIL SATUAN KERJA AUDIT INTERNAL INTERNAL AUDIT UNIT PROFILE
DEWI NOORIRDAWATI
Kepala Divisi Audit Internal / Head of the Internal Audit Division
Dasar Pengangkatan / Surat Keputusan Direksi PT Bank Pembangunan Daerah Banten Tbk. No. 495/SK/DIR-BB/ IX/2023
Basis of Appointment tanggal 04 September 2023 / Decree of the Board of Directors of PT Bank Pembangunan Daerah
Banten Tbk. No. 495/SK/DIR-BB/IX/2023 dated September 4, 2023
Kewarganegaraan / Indonesia / Indonesian
Citizenship
Usia / Age 47 tahun / 47 years old
Riwayat Pendidikan / Sarjana Ekonomi, Universitas Lambung Mangkurat Banjarmasin (2000) / Bachelor of Economics,
Education Universitas Lambung Mangkurat, Banjarmasin (2000)
Riwayat Pekerjaan / Work • Kepala Divisi Audit Internal, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (2023-sekarang)
Experience / Head of Internal Audit Division, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
(2023-present)
• Kepala Divisi Kepatuhan, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (2022-2023) /
Head of Compliance Division, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (2022-2023)
• Kepala Bagian Kepatuhan, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (2021- 2022) /
Head of Compliance, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (2021-2022)
• Regulasi & Tata Kelola pada Divisi Kepatuhan & Hukum, PT Bank Pembangunan Daerah Banten
(Perseroda) Tbk (2018-2021) / Regulation & Governance, Compliance & Legal Division, PT Bank
Pembangunan Daerah Banten (Perseroda) Tbk (2018-2021)
• Kontrol Internal Cabang, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (2015-2018) /
Internal Control Branch, PT Bank Pembangunan Daerah Banten (Perseroda) Tbk (2015-2018)
• Section Head Sundries, Bank Pundi (2011- 2015)
• Area Operation Support Manager di Bank BTPN (2008- 2011) / Area Operation Support Manager at
Bank BTPN (2008-2011)
• Kepala Bagian Administrasi Kredit pada Bank yang sama (2006-2008) / Head of Credit Administration
at the same bank (2006-2008)
• Accounting Officer pada Bank UOB Banjarmasin (2001-2006) / Accounting Officer at Bank UOB
Banjarmasin (2001-2006)
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Sertifikasi / Certifications • Sertifikasi Auditor Level Supervisor. / Supervisor Level Auditor Certification.
• Manajemen Risiko Jenjang 5. / Level 5 Risk Management.
• Certified Anti Fraud Governance (CAFG). / Certified Anti-Fraud Governance (CAFG).
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TUGAS DAN TANGGUNG JAWAB SATUAN KERJA DUTIES AND RESPONSIBILITIES OF THE INTERNAL
AUDIT INTERNAL AUDIT UNIT
Divisi Audit Internal (DAI) berperan dalam mempertahankan, The Internal Audit Division (DAI) plays a role in maintaining,
meningkatkan, serta memberikan nilai tambah bagi para enhancing, and providing added value to stakeholders by
pemangku kepentingan dengan menyelaraskan aktivitas aligning internal audit activities with the company’s business
audit internal terhadap tujuan bisnis perusahaan. Fokus objectives. The main focus of DAI is to ensure that:
utama dari DAI adalah memastikan bahwa:
a. Risiko telah diidentifikasi dan dikelola secara memadai a. Risks are adequately identified and managed in
sesuai dengan kompleksitas operasional perusahaan. accordance with the complexity of the company’s
operations.
b. Informasi keuangan, manajerial dan operasional b. Financial, managerial, and operational information is
disajikan secara akurat, terpercaya dan tepat waktu. presented accurately, reliably, and in a timely manner.
c. Seluruh aktivitas perusahaan telah sesuai dengan c. All company activities comply with applicable standards,
kebijakan standar, prosedur, serta peraturan yang procedures, and regulations.
berlaku.
d. Program, rencana, dan tujuan perusahaan dapat dicapai d. Programs, plans, and company objectives are achieved
dengan efektif serta efisien. effectively and efficiently.
Dalam menjalankan fungsinya, tugas Divisi Audit Internal In carrying out its functions, the duties of the Internal Audit
meliputi: Division include:
a. Jasa Assurance a. Assurance Services
Audit berbasis bukti yang bertujuan untuk memberikan Evidence-based audits aimed at providing independent
penilaian independen terhadap proses tata kelola, assessments of governance processes, risk
manajemen risiko, dan sistem pengendalian internal management, and the internal control system in the
dalam operasional perusahaan. company’s operations.
b. Jasa Consulting b. Consulting Services
Layanan konsultasi untuk meningkatkan efektivitas tata Consulting services to enhance the effectiveness of
kelola, manajemen risiko, dan pengendalian internal. governance, risk management, and internal controls.
Layanan ini bersifat tidak mengikat, tetap menjaga These services are non-binding, maintain independence,
independensi, dan tindak lanjutnya menjadi tanggung and follow-up actions are the responsibility of the
jawab auditee. auditee.
Divisi Audit Internal memiliki tanggung jawab meliputi: The responsibilities of the Internal Audit Division include:
1. Menyusun rencana audit internal tahunan berbasis risiko 1. Preparing an annual, risk-based internal audit plan,
(risk-based approach), mencakup identifikasi risiko dan including risk identification and internal control systems
sistem pengendalian internal yang telah ditetapkan oleh as established by management, and submitting the plan
manajemen, lalu mengajukan rencana tersebut kepada to the President Director for review and approval before
Direktur Utama untuk ditinjau dan disetujui sebelum submission to the Board of Commissioners and Audit
diajukan ke Dewan Komisaris dan Komite Audit. Committee.
2. Melaksanakan audit internal sesuai rencana tahunan 2. Conducting internal audits in accordance with the
yang telah disetujui, termasuk tugas khusus yang approved annual plan, including special assignments
diminta oleh Manajemen dan Dewan Komisaris. requested by Management and the Board of
Commissioners.
3. Mengevaluasi efektivitas sistem pengendalian internal 3. Evaluating the effectiveness of internal control systems
dan manajemen risiko sesuai kebijakan perusahaan. and risk management in line with company policies.
4. Melakukan pemeriksaan serta penilaian atas efisiensi 4. Performing examinations and assessments of efficiency
dan efektivitas di berbagai bidang, termasuk keuangan, and effectiveness across various areas, including
akuntansi, operasional, sumber daya manusia, finance, accounting, operations, human resources,
pemasaran, teknologi informasi, serta aktivitas lainnya. marketing, information technology, and other activities.
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5. Memberikan rekomendasi perbaikan serta informasi 5. Providing improvement recommendations and objective
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
objektif kepada seluruh tingkatan manajemen mengenai information to all management levels regarding audit
temuan audit. findings.
6. Menyusun dan menyampaikan laporan hasil audit 6. Preparing and submitting audit reports to the President
kepada Direktur Utama dan Dewan Komisaris. Director and the Board of Commissioners.
7. Memantau, menganalisis, serta melaporkan tindak 7. Monitoring, analyzing, and reporting follow-up actions
lanjut atas rekomendasi perbaikan yang telah diberikan. on improvement recommendations.
8. Berkoordinasi dengan Komite Audit dalam 8. Coordinating with the Audit Committee in delivering
menyampaikan berbagai informasi terkait proses audit information related to the audit process and ensuring
serta memastikan hasil komunikasi tersebut dilaporkan that the results of such communications are reported to
kepada Direktur Utama. the President Director.
9. Merancang program guna menilai kualitas pelaksanaan 9. Designing programs to assess the quality of internal
audit internal yang telah dilakukan. audit implementation.
10. Melakukan investigasi khusus jika diperlukan, termasuk 10. Conducting special investigations if necessary, including
atas permintaan Direksi, Komisaris, atau berdasarkan at the request of the Board of Directors, the Board of
pertimbangan profesional dari Kepala DAI. Commissioners, or at the professional discretion of the
Head of DAI.
SERTIFIKASI PROFESI SATUAN KERJA AUDIT PROFESSIONAL CERTIFICATION OF THE INTERNAL
INTERNAL AUDIT UNIT
Hingga 31 Desember 2025, anggota Divisi Audit Internal As of December 31, 2025, members of the Internal Audit
telah memiliki sertifikasi sebagai berikut: Division hold the following certifications:
Tabel Sertifikasi Audit Internal Tahun 2025 Table of the Internal Audit Certification in 2025
No Nama / Name Jabatan / Position Sertifikasi / Certification
1 Dewi Noorirdawati Kepala Divisi Audit Intern / Head of Internal Audit Supervisor Jenjang 5 CAFG / Supervisor Level 5
Division CAFG
2 Sugeng Prayitno Kabag Audit Umum & TI Supervisor / Head of General & Supervisor Jenjang 5 CAFG / Supervisor Level 5
IT Audit Supervisor Section CAFG
3 Wido Dwi Septanto Kabag Audit Support dan Pengendalian Mutu / Head of Supervisor Level 2 CAFG / Supervisor Level 2
Audit Support and Quality Control Section CAFG
4 Endar Widhi Kurnia Kabag Audit Kredit / Head of Credit Audit Section Supervisor Jenjang 5 CAFG / Supervisor Level 5
CAFG
5 Achmed Faried Kabag Audit Anti Fraud Manager / Head of Anti-Fraud ACFE Level 2
Audit Manager Section
6 Wahyuningsih Auditor Pengendalian Mutu / Quality Control Auditor Auditor Level 1
7 Muthia Dwi Lestari Auditor Support / Support Auditor Auditor Jenjang 4 / Auditor Level 4
8 Ahmad Syukri Fadli Auditor Kredit Komersial / Commercial Credit Auditor Auditor Level 1
9 Edwin Auditor Kredit Konsumer / Consumer Credit Auditor Auditor Jenjang 4 / Auditor Level 4
10 Shafa Aprilia Zahrah Audit Kredit Linkage, UMKM & KUR / Linkage, MSME & -
KUR Credit Auditor
11 Yulistiani Auditor Umum / General Auditor Auditor Level 1
12 Naufal Salman Setiawan Auditor Umum / General Auditor -
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
13 Nimas Niken Mulyani Auditor Operasional / Operational Auditor Auditor Level 1
14 Ramadhani Hasan Auditor Operasional / Operational Auditor Auditor Jenjang 4 / Auditor Level 4
15 Berliani Deliyanti Auditor Teknologi Informasi / Information Technology
Auditor
PELAKSANAAN TUGAS SATUAN KERJA AUDIT IMPLEMENTATION OF INTERNAL AUDIT UNIT
INTERNAL 2025 DUTIES IN 2025
Di tahun 2025, Divisi Audit Internal telah melaksanakan In 2025, the Internal Audit Division carried out the following
tugas dan tanggung jawab sebagai berikut: duties and responsibilities:
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1. Mendukung tugas Direktur Utama dan Dewan 1. Supported the President Director and Board of
Komisaris dalam pengawasan dengan menerapkan Commissioners in supervision by implementing
proses operasional yang mencakup perencanaan, operational processes, including planning, execution,
pelaksanaan, serta pemantauan hasil audit. and monitoring of audit results.
2. Melakukan analisis serta evaluasi terhadap aspek 2. Conducted analysis and evaluation of financial,
keuangan, akuntansi, operasional, dan berbagai accounting, operational, and other activities through
kegiatan lain melalui audit. audits.
3. Mengidentifikasi potensi peningkatan efisiensi dalam 3. Identified opportunities to improve efficiency in the
pemanfaatan sumber daya dan dana perusahaan. utilization of company resources and funds.
4. Memberikan rekomendasi perbaikan serta informasi 4. Provided improvement recommendations and objective
objektif mengenai aktivitas yang telah diaudit kepada information regarding audited activities to all levels of
seluruh tingkat manajemen. management.
AUDITOR EKSTERNAL EXTERNAL AUDITOR
Bank Banten menunjuk Auditor Eksternal yakni Kantor Bank Banten appoints an External Auditor, namely a
Akuntan Publik (KAP) untuk melakukan audit terhadap Public Accounting Firm (KAP), to conduct an audit of the
Laporan Keuangan Perusahaan periode 1 Januari hingga Company's Financial Statements for the period of 1 January
31 Desember 2025 sesuai dengan Standar Akuntansi to 31 December 2025 in accordance with the Financial
Keuangan (SAK) yang berlaku di Indonesia. Mekanisme Accounting Standards (SAK) applicable in Indonesia. The
penunjukan KAP dilakukan melalui Rapat Umum Pemegang mechanism for appointing the KAP is carried out through
Saham (RUPS) setelah mendapatkan rekomendasi dari the General Meeting of Shareholders (GMS) upon receiving
Dewan Komisaris, yang disampaikan melalui Komite Audit. a recommendation from the Board of Commissioners,
submitted through the Audit Committee.
INFORMASI KANTOR AKUNTAN PUBLIK INFORMATION ON THE PUBLIC ACCOUNTING FIRM
Informasi KAP Bank Banten dalam 5 (lima) tahun terakhir Information on Bank Banten's Public Accounting Firm (KAP)
adalah sebagai berikut: over the past 5 (five) years is as follows:
Tabel KAP Tahun 2021-2025 Table of Public Accounting Firm (KAP) for 2021-2025
Nomor Izin
Ta-hun Nama KAP /
Akuntan Publik / Akuntan Publik / Opini Audit / Biaya Jasa Audit /
Buku / Name of Public
Public Accountant Public Accountant Audit Opinion Audit Fee
Fiscal Year Accounting Firm
Li-cense Number
2025 Kanaka Puradiredja, Florus Daeli, SE, Ak, MM, 588/KM.1/2008 Wajar Tanpa Rp550.000.000
Suhartono CA, CPA, CRA, CLI, CFI, Pengecua-lian (WTP)
CACP, ASEAN CPA / Unqualified Opinion
2024 Kanaka Puradiredja, Harris Siregar, SE, Ak, 588/KM.1/2008 Wajar Tanpa Rp650.000.000
Suhartono CA, CPA, AEAN CPAS Pengecua-lian (WTP)
/ Unqualified Opinion
2023 Kanaka Puradiredja Harris Siregar, SE, Ak, 588/KM.1/2008 Wajar Tanpa Rp630.000.000.000
Suhartono CA, CPA, AEAN CPA Pengecua-lian (WTP)
/ Unqualified Opinion
2022 Kanaka Puradiredja Harris Siregar, SE, Ak, 588/KM.1/2008 Wajar Tanpa Rp710.000.000
Suhartono CA, CPA, AEAN CPA Pengecua-lian (WTP)
/ Unqualified Opinion
2021 Kanaka Puradiredja Florus Daeli, SE, Ak, MM, 588/KM.1/2008 Wajar Tanpa Rp1.542.975.002
Suhartono CA, CPA, CRA, CLI, CFI, Pengecua-lian (WTP)
CACP, ASEAN CPA / Unqualified Opinion
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JASA LAINNYA OTHER SERVICES
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Di tahun 2025, tidak terdapat jasa lainnya yang dilakukan In 2025, no other services were rendered by the Public
KAP selain melakukan audit terhadap Laporan Keuangan Accounting Firm (KAP) beyond the audit of Bank Banten's
Bank Banten yang berakhir pada 31 Desember 2025. Financial Statements for the year ending on December 31,
2025.
SISTEM PENGENDALI INTERNAL INTERNAL CONTROL SYSTEM
Sistem Pengendalian Internal (SPI) di perusahaan The Internal Control System (ICS) within the Company
merupakan mekanisme pengawasan yang diterapkan is a supervisory mechanism continuously implemented
secara berkelanjutan oleh manajemen dengan tujuan by management with the objectives of protecting and
melindungi dan mengamankan aset perusahaan; menjamin safeguarding the Company's assets; ensuring the accuracy
keakuratan serta keandalan laporan yang dihasilkan; and reliability of reports produced; enhancing compliance
meningkatkan kepatuhan terhadap peraturan yang with applicable regulations; reducing financial risks,
berlaku; mengurangi risiko finansial, potensi kerugian, potential losses, irregularities, including fraud, and violations
penyimpangan, termasuk fraud, serta pelanggaran prinsip of the prudential principles; and improving organizational
kehati-hatian; Meningkatkan efektivitas organisasi serta effectiveness as well as operational cost efficiency.
efisiensi biaya operasional.
Pengendalian internal dilakukan oleh Dewan Komisaris, Internal control is carried out by the Board of Commissioners,
manajemen, dan seluruh pegawai dengan tujuan untuk management, and all employees with the aim of achieving
mencapai efektivitas dan efisiensi operasional, keandalan operational effectiveness and efficiency, reliability in
dalam pelaporan keuangan dan kepatuhan terhadap hukum financial reporting, and compliance with applicable laws and
dan regulasi yang berlaku. regulations.
IMPLEMENTASI PENGENDALIAN INTERNAL ATAS IMPLEMENTATION OF INTERNAL CONTROL OVER
PELAPORAN KEUANGAN FINANCIAL REPORTING
Hasil Penilaian Efektivitas Pengendalian Internal dalam Results of the Assessment of the Effectiveness of
proses pelaporan Keuangan 31 Desember 2025 Internal Controls over the Financial Reporting Process
as of December 31, 2025
Dalam rangka memperkuat penerapan Tata Kelola In the context of strengthening the implementation of
Perusahaan yang Baik (Good Corporate Covernance/ Good Corporate Governance (GCG), the Bank applies
GCG), Bank menerapkan Peraturan Otoritas Jasa Financial Services Authority Regulation No. 15 of 2024 as
Keuangan Nomor 15 Tahun 2024 sebagai pedoman dan the guideline and foundation for maintaining the integrity of
landasan dalam menjaga integritas pelaporan keuangan. financial reporting. The implementation of this regulation
Penerapan ketentuan tersebut diarahkan untuk memastikan is directed at ensuring clarity of roles and responsibilities
kejelasan peran dan tanggung jawab organ perusahaan, of corporate organs, enhancing the effectiveness of the
meningkatkan efektivitas fungsi pengawasan, serta supervisory function, and supporting the realization of
mendukung terwujudnya akuntabilitas dan transparansi accountability and transparency in the preparation of
dalam penyusunan pelaporan keuangan yang andal dan reliable and high-quality financial reporting.
berkualitas.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank Banten telah mengimplementasikan pengendalian Bank Banten has implemented controls and procedures
dan prosedur atas penyusunan laporan keuangan yang over the preparation of financial statements deemed
dianggap perlu untuk menyusun dan menyajikan laporan necessary to prepare and present financial statements free
keuangan bebas dari salah saji material dengan: from material misstatement by:
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1. Merancang pengendalian dan prosedur atas penyusunan 1. Designing controls and procedures over the preparation
laporan keuangan untuk memastikan bahwa informasi of financial statements to ensure that material information
material Perusahaan yang berkaitan dengan pelaporan of the Company relating to financial reporting has been
keuangan telah diketahui oleh para manajemen dalam made known to management within the Company,
perusahaan, khususnya selama periode saat laporan particularly during the period covered by the financial
keuangan serta memberikan keyakinan yang memadai statements, and to provide reasonable assurance
mengenai keandalan laporan keuangan dan laporan regarding the reliability of the financial statements,
keuangan yang dipublikasikan telah disusun sesuai and that the published financial statements have
dengan prinsip akuntansi yang berlaku umum; been prepared in accordance with generally accepted
accounting principles;
2. Mengevaluasi efektivitas pengendalian dan prosedur 2. Evaluating the effectiveness of controls and procedures
atas penyusunan laporan keuangan, menyampaikan over the preparation of financial statements, and
kesimpulan tentang efektivitas pengendalian dan presenting conclusions on the effectiveness of disclosure
prosedur pengungkapan berdasarkan periode pelaporan controls and procedures based on the reporting period
yang dicakup dalam laporan ini. covered in this report.
Bank menerapkan Internal Control over Financial Reporting The Bank implements Internal Control over Financial
(ICOFR) dengan pemantauan dan evaluasi pengendalian Reporting (ICOFR) with periodic monitoring and evaluation
secara berkala, serta pengawasan aktif oleh Direksi dan of controls, as well as active oversight by the Board
Dewan Komisaris dengan dukungan Komite Audit dan of Directors and the Board of Commissioners with the
satuan kerja terkait. Seluruh organ perusahaan, Pejabat support of the Audit Committee and relevant work units. All
Eksekutif, dan Pihak Terafiliasi wajib mematuhi ketentuan corporate organs, Executive Officers, and Affiliated Parties
yang berlaku serta dilarang melakukan tindakan yang dapat are required to comply with applicable regulations and are
mengakibatkan penyajian laporan keuangan yang tidak prohibited from taking any action that may result in the
wajar, tidak akurat, atau menurunkan kredibilitas pelaporan presentation of financial statements that are unreasonable,
keuangan. inaccurate, or that may diminish the credibility of financial
reporting.
PENERAPAN SISTEM PENEGNDALIAN INTERNAL DI IMPLEMENTATION OF THE INTERNAL CONTROL
PERUSAHAAN SYSTEM WITHIN THE COMPANY
Bank Banten telah menerapkan sistem pengendalian Bank Banten has implemented an internal control system
internal dengan model tiga lapisan/ three lines model, based on the Three Lines Model, encompassing the
meliputi: following:
Three Lines of Defense Three Lines of Defense
Bank telah menerapkan system pengendalian internal The Bank has implemented an internal control system based
yang merujuk kepada konsep Three Lines of Defense yang on the Three Lines of Defense concept, in accordance with
sesuai dengan Internal Control Framework yang melibatkan the Internal Control Framework, involving all work units.
seluruh satuan kerja.
a. First Line of Defense a. First Line of Defense
First Line of Defense dikelola oleh masing−masing The First Line of Defense is managed by each respective
unit atau satuan kerja sesuai dengan fungsi dan tugas unit or work unit in accordance with its respective
masing−masing, sebagai berikut: functions and duties, as follows:
i. Peningkatan penguasaan untuk proses bisnis/kerja i. Enhancement of mastery over core business/work
utama processes.
ii. Melakukan identifikasi dan pengukuran kembali ii. Re-identification and re-measurement of key
terhadap risiko operasional utama yang berkaitan operational risks relating to day-to-day duties and
dengan tugas dan tanggung jawab sehari−hari. responsibilities.
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iii. Peningkatan kontrol dan pelaksanaan tindakan iii. Enhancement of controls and implementation of
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
preventif yang diperlukan agar dampak dan frekuensi necessary preventive measures to minimize the
risiko dapat diminimalisir. impact and frequency of risks.
b. Second Line of Defense b. Second Line of Defense
Second Line of Defense dikelola oleh Direktorat The Second Line of Defense is managed by the
Kepatuhan sebagai berikut: Compliance Directorate, as follows:
i. Peningkatan fungsi check & balance guna i. Enhancement of the check and balance function to
mendukung bisnis yang prudent support prudent business conduct.
ii. Sosialisasi program pengembangan budaya risiko ii. Dissemination of risk culture and compliance
dan kepatuhan kepada semua jenjang/tingkatan culture development programs to all levels of the
organisasi organization.
iii. Implementasi Enterprise Risk Management untuk iii. Implementation of Enterprise Risk Management to
mengelola risiko secara menyeluruh dan terintegrasi manage risks in a comprehensive and integrated
manner.
iv. Penyempurnaan kebijakan, pedoman, prosedur, iv. Refinement of policies, guidelines, procedures, and
dan kerangka manajemen risiko yang komprehensif. a comprehensive risk management framework.
c. Third Line of Defense c. Third Line of Defense
Third Line of Defense dikelola oleh Internal Audit The Third Line of Defense is managed by Internal Audit,
sebagai berikut: as follows:
i. Pelaksanaan mekanisme Whistleblowing System i. Implementation of the Whistleblowing System
serta kebijakannya termasuk mekanisme khusus mechanism and its policies, including the special
“Letter to CEO” "Letter to CEO" mechanism.
ii. Pelaksanaan review dan sosialisasi/refreshment ii. Conducting periodic reviews and dissemination/
secara berkala untuk meningkatkan budaya sadar refreshment sessions to enhance risk awareness
risiko (Risk Awareness) dan budaya anti fraud culture and anti-fraud culture.
iii. Pelaksanaan surprise audit secara berkala terhadap iii. Conducting periodic surprise audits of auditees.
auditee.
KESESUAIAN DENGAN KERANGKA KERJA COMPLIANCE WITH THE COSO
COSO FRAMEWORK
Bank Banten telah menyelaraskan implementasi Sistem Bank Banten has aligned the implementation of its Internal
Pengendalian Internal berdasarkan kerangka kerja Control System with the framework of the Committee of
Committee of Sponsoring Organizations of the Treadway Sponsoring Organizations of the Treadway Commission
Commission (COSO) yang memuat komponen sebagai (COSO), which encompasses the following components:
berikut:
Tabel Kesesuaian SPI dengan COSO Compliance of Internal Control System (ICS) with
COSO Framework
Komponen / Component Keterangan / Description
Control Environment Lingkungan pengendalian menjadi dasar bagi seluruh aspek pengendalian internal lainnya. Elemen-elemen penting dalam
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
lingkungan pengendalian meliputi: / The control environment forms the foundation for all other aspects of internal control.
The key elements of the control environment include:
1. Integritas dan nilai etika dalam manajemen. / Integrity and ethical values in management.
2. Struktur organisasi yang jelas. / A clear organizational structure.
3. Keterlibatan Dewan Komisaris dan Komite Audit (jika ada). / Involvement of the Board of Commissioners and the Audit
Committee (where applicable).
4. Filosofi manajemen dan pola operasionalnya. / Management philosophy and operational patterns.
5. Prosedur pendelegasian wewenang dan tanggung jawab. / Procedures for the delegation of authority and responsibility.
6. Metode manajemen dalam menilai kinerja. / Management's methods for evaluating performance.
7. Pengaruh eksternal, termasuk audit oleh regulator atau lembaga pemeriksa. / External influences, including audits by
regulators or supervisory bodies.
8. Kebijakan dan praktik perusahaan dalam pengelolaan sumber daya manusia. / The Company's policies and practices
in human capital management.
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Komponen / Component Keterangan / Description
Risk Assessment Penilaian risiko dilakukan secara dinamis dan interaktif untuk mengidentifikasi serta mengevaluasi risiko yang dihadapi
perusahaan. Risiko yang teridentifikasi kemudian dibandingkan dengan tingkat toleransi risiko yang telah ditetapkan guna
menentukan langkah mitigasi yang tepat. / Risk assessment is conducted in a dynamic and interactive manner to identify
and evaluate the risks faced by the Company. Identified risks are then compared against the established risk tolerance
levels to deter-mine appropriate mitigation measures.
Control Activities Aktivitas pengendalian mencakup kebijakan dan prosedur yang diterapkan untuk memastikan risiko-risiko yang telah
diidentifikasi dapat dikelola dengan baik. Beberapa bentuk aktivitas pengendalian meliputi otorisasi transaksi; verifikasi
dan rekonsiliasi data, Analisis kinerja, Pengamanan aset perusahaan, Pemisahan fungsi untuk menghindari potensi konflik
kepentingan. Aktivitas pengendalian dapat dikategorikan menjadi dua jenis utama, yaitu pengendalian berbasis sistem (IT
controls) dan pengendalian fisik. / Control activities encompass the policies and procedures implemented to ensure that
identified risks are adequately man-aged. Forms of control activities include transaction authorization; data verification
and reconciliation; performance analysis; safeguarding of Company assets; and segregation of duties to avoid potential
conflicts of interest. Control activities may be categorized into two main types, namely system based controls (IT controls)
and physical controls.
Information and Sistem informasi harus mampu mengumpulkan, mengolah, dan menyampaikan informasi secara akurat, relevan, dan
Communication tepat waktu kepada pihak yang membutuhkannya. Informasi yang tersedia mencakup aspek operasional, keuangan, serta
pemenuhan regulasi guna mendukung pengambilan keputusan yang lebih baik. / Information systems must be capable of
collecting, processing, and delivering information accurately, relevantly, and in a timely manner to those who require it. The
available information encompasses operational, financial, and regulatory compliance aspects to support better decision-
making.
Komunikasi yang efektif harus berjalan dalam berbagai arah, baik secara vertikal (atasan-bawahan) maupun horizontal
(antar unit kerja). Manajemen perlu memastikan bahwa seluruh pegawai memahami tanggung jawabnya dalam sistem
pengendalian internal serta menyadari bagaimana pekerjaan mereka berhubungan dengan fungsi lainnya. Selain
komunikasi internal, interaksi dengan pihak eksternal, seperti pelanggan, pemasok, regulator, dan pemegang saham, juga
harus dikelola dengan baik guna memastikan keterbukaan serta kepatuhan terhadap standar yang berlaku. / Effective
communication must flow in multiple directions, both vertically (between superiors and subordinates) and horizontally
(across work units). Management must ensure that all employees understand their responsibilities within the internal control
system and are aware of how their work relates to other functions. In addition to internal communication, interactions with
external parties, such as customers, suppliers, regulators, and shareholders, must also be managed effectively to ensure
transparency and compliance with applicable standards.
Monitoring Activities Pengawasan terhadap sistem pengendalian internal sangat penting untuk menilai kualitas kinerjanya seiring waktu.
Proses pemantauan ini mencakup evaluasi berkelanjutan, evaluasi secara terpisah, atau kombinasi keduanya guna
memastikan bahwa setiap elemen pengendalian internal tetap ada dan berfungsi dengan baik. Baik organisasi swasta
maupun pemerintahan umumnya memiliki unit audit internal yang berperan se-bagai pendukung utama dalam penerapan
pengendalian internal serta bertanggung jawab langsung kepada manajemen senior atau dewan pengawas. / Monitoring
of the internal control system is essential to assess the quality of its performance over time. This monitoring process
encompasses ongoing evaluations, separate evaluations, or a combination of both, to ensure that each element of the
internal control system remains in place and functioning effectively. Both private and government organizations generally
have an internal audit unit that serves as the primary support in the implementation of internal controls and is directly
accountable to senior management or the supervisory board.
EVALUASI DAN EFEKTIVITAS SISTEM EVALUATION AND EFFECTIVENESS OF THE
PENGENDALIAN INTERNAL INTERNAL CONTROL SYSTEM
Sistem pengendalian internal yang efektif telah berkontribusi An effective internal control system has contributed to Bank
bagi Bank Banten dalam beberapa aspek berikut: Banten in the following aspects:
1. Melindungi aset Perseroan serta memastikan 1. Protecting the Company's assets and ensuring the
keakuratan laporan keuangan dan sistem informasi accuracy of financial statements and management
manajemen. information systems.
2. Meningkatkan kepatuhan Perseroan terhadap regulasi 2. Enhancing the Company's compliance with applicable
yang berlaku. regulations.
3. Meminimalkan potensi kerugian, penyimpangan, dan 3. Minimizing potential losses, irregularities, and violations
pelanggaran prinsip kehati-hatian. of the prudential principles.
4. Menyediakan informasi dan rekomendasi sebagai dasar 4. Providing information and recommendations as the
dalam penyusunan kebijakan strategis manajemen. basis for the formulation of management's strategic
policies.
5. Menjamin efektivitas pengendalian internal sebagai 5. Ensuring the effectiveness of internal controls as the
tanggung jawab pengurus dan pejabat Perseroan responsibility of the Company's management and
melalui penciptaan budaya kontrol, kesadaran terhadap officers through the establishment of a control culture,
risiko, dan kepatuhan, dengan rincian sebagai berikut: risk awareness, and compliance, with the following
details:
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a. Dewan Komisaris bertugas mengawasi pelaksanaan a. The Board of Commissioners is responsible for
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
pengendalian internal secara menyeluruh, termasuk overseeing the implementation of internal controls
kebijakan yang ditetapkan oleh Direksi. comprehensively, including the policies established
by the Board of Directors.
b. Direksi bertanggung jawab dalam membangun b. The Board of Directors is responsible for building
dan menjaga sistem pengendalian internal yang and maintaining an effective internal control system
efektif serta memastikan sistem tersebut berjalan and ensuring that the system operates safely and in
dengan aman dan sesuai dengan tujuan yang telah accordance with the established objectives.
ditetapkan.
c. Direktur Kepatuhan berperan aktif dalam mencegah c. The Compliance Director plays an active role in
penyimpangan internal dengan menetapkan preventing internal irregularities by establishing
kebijakan yang selaras dengan prinsip kehati-hatian. policies aligned with the prudential principles.
d. Divisi Manajemen Risiko melakukan pengukuran d. The Risk Management Division measures and
dan pemantauan terhadap tingkat risiko Bank melalui monitors the Bank's risk levels through quarterly risk
laporan profil risiko triwulanan yang disampaikan profile reports submitted to the Financial Services
kepada Otoritas Jasa Keuangan. Authority.
e. Divisi Kepatuhan dan Hukum meninjau serta e. The Compliance and Legal Division reviews and
memberikan rekomendasi terhadap pengembangan provides recommendations on the development of
ketentuan internal, sekaligus memberikan pelatihan internal regulations, while also providing training on
terkait penerapan program anti pencucian uang dan the implementation of the anti-money laundering
pencegahan pendanaan terorisme (APU & PPT) di and prevention of terrorism financing (AML & CFT)
seluruh unit kerja Perseroan. program across all of the Company's work units.
f. Divisi Audit Internal secara berkelanjutan f. The Internal Audit Division continuously evaluates
mengevaluasi kecukupan serta efektivitas sistem the adequacy and effectiveness of the internal
pengendalian internal dalam operasional Bank control system in the Bank's operations that have the
yang berpotensi menimbulkan risiko dan kerugian potential to give rise to risks and losses affecting the
terhadap pencapaian target Perseroan. achievement of the Company's targets.
g. Perseroan memastikan bahwa audit internal g. The Company ensures that internal audits are
dilakukan secara independen dengan sistem conducted independently with an adequate
pelaporan yang memadai serta meningkatkan reporting system, and continuously enhances the
kompetensi auditor internal, khususnya dalam competencies of internal auditors, particularly in risk
praktik dan penerapan manajemen risiko. management practices and implementation.
Implementasi SPI di tahun 2025 telah berjalan dengan The implementation of the ICS in 2025 has been carried out
efektif dan sesuai dengan ketentuan Surat Edaran Otoritas effectively and in accordance with the provisions of Financial
Jasa Keuangan No. 35/SEOJK.03/2017 tentang Pedoman Services Authority Circular Letter No. 35/SEOJK.03/2017
Standar Sistem Pengendalian Internal bagi Bank Umum, on Standard Guidelines for the Internal Control System for
serta mengacu pada Piagam Audit dan Rencana Kerja Commercial Banks, and with reference to the Audit Charter
Audit berbasis risiko. and the risk-based Audit Work Plan.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
TINJAUAN ATAS KECUKUPAN SISTEM REVIEW OF THE ADEQUACY OF THE INTERNAL
PENGENDALIAN INTERNAL 2025 CONTROL SYSTEM IN 2025
Dewan Komisaris dan Direksi serta organ pendukung, The Board of Commissioners, the Board of Directors, and
secara berkala melakukan evaluasi dan peningkatan their supporting organs periodically conduct evaluations and
terhadap SPI yang dijalankan. Di tahun 2025, Dewan improvements to the implemented ICS. In 2025, the Board
Komisaris dan Direksi menilai bahwa penerapan SPI of Commissioners and the Board of Directors assessed
telah memenuhi aspek kecukupan. Hal ini diwujudkan that the implementation of the ICS has met the adequacy
2025 Annual Report & Sustainability Report 345
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melalui pelaksanaan tugas dan tanggung jawab yang requirements. This was evidenced through the optimal
berjalan dengan optimal. Sehingga berdampak positif bagi execution of duties and responsibilities, which has had a
pertumbuhan Bank Banten. positive impact on the growth of Bank Banten.
FUNGSI KEPATUHAN COMPLIANCE FUNCTION
Pelaksanaan Fungsi Kepatuhan merupakan salah satu unsur The implementation of the Compliance Function is one of
penting dalam upaya meningkatkan penerapan Tata Kelola the key elements in efforts to enhance the implementation
Perusahaan. Bank Banten berkomitmen untuk membangun of Good Corporate Governance. Bank Banten is committed
serta memperkuat Budaya Kepatuhan secara efektif dan to building and strengthening a Compliance Culture
menyeluruh, mulai dari manajemen hingga karyawan. effectively and comprehensively, from management through
Untuk memastikan berjalannya Fungsi Kepatuhan secara to employees. To ensure the consistent and sustainable
konsisten dan berkesinambungan, maka dibentuk Satuan operation of the Compliance Function, a Compliance
Kerja Kepatuhan yang wajib bersifat independen dan Work Unit has been established, which is required to be
bertanggung jawab langsung kepada Direktur Kepatuhan. independent and directly accountable to the Compliance
Pelaksanaan Fungsi Kepatuhan bertujuan agar Bank Director. The implementation of the Compliance Function
Banten dapat memenuhi standar operasional perbankan aims to enable Bank Banten to meet sound banking
yang sehat, menghindari pelanggaran hukum, dan operational standards, avoid legal violations, and mitigate
memitigasi risiko kepatuhan dalam mendukung visi dan compliance risks in support of the Bank's vision and mission.
misi bank.
TUGAS DAN TANGGUNG JAWAB FUNGSI DUTIES AND RESPONSIBILITIES OF THE
KEPATUHAN COMPLIANCE FUNCTION
Pelaksanaan Fungsi Kepatuhan di Bank Banten mengacu The implementation of the Compliance Function at
pada Peraturan Regulator Jasa Keuangan No. 46/ Bank Banten is guided by Financial Services Authority
POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan Regulation No. 46/POJK.03/2017 on the Implementation
Bank Umum, yang meliputi tindakan untuk: of the Compliance Function of Commercial Banks, which
encompasses measures to:
1. Mewujudkan terlaksananya Budaya Kepatuhan pada 1. Realize the implementation of a Compliance Culture
semua tingkatan organisasi dan kegiatan usaha Bank; at all levels of the organization and in all of the Bank's
business activities;
2. Mengelola risiko kepatuhan yang dihadapi Bank; 2. Manage the compliance risks faced by the Bank;
3. Memastikan agar kebijakan, ketentuan, sistem dan 3. Ensure that the Bank's policies, regulations, systems,
prosedur serta kegiatan yang dilakukan oleh Bank telah procedures, and activities are in conformity with
sesuai dengan ketentuan Regulator dan peraturan Regulatory requirements and applicable laws and
perundang-undangan yang berlaku dalam rangka regulations in the implementation of the prudential
melaksanakan prinsip kehati-hatian; principles;
4. Memastikan kepatuhan Bank terhadap komitmen yang 4. Ensure the Bank's compliance with commitments
dibuat oleh Bank kepada Regulator Jasa Keuangan/ made by the Bank to the Financial Services Authority/
Bank Indonesia dan/atau Regulator Pengawas lainnya Bank Indonesia and/or other competent Supervisory
yang berwenang. Regulators.
Dalam menjalankan Fungsi Kepatuhan tersebut, tugas In carrying out the Compliance Function, the duties and
dan tanggung jawab yang dilakukan oleh Satuan Kerja responsibilities of the Compliance Work Unit include, at a
Kepatuhan sekurangnya meliputi: minimum:
1. Membuat langkah untuk mendukung terciptanya 1. Taking steps to support the establishment of a
Budaya Kepatuhan pada seluruh kegiatan usaha Bank Compliance Culture across all of the Bank's business
pada setiap jenjang organisasi. activities at every level of the organization.
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2. Melakukan identifikasi, pengukuran, pemantauan, 2. Identifying, measuring, monitoring, and controlling
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
dan pengendalian terhadap Risiko Kepatuhan dengan Compliance Risks with reference to the Financial
mengacu pada ketentuan Regulator Jasa Keuangan Services Authority's regulations on the Implementation
mengenai Penerapan Manajemen Risiko bagi Bank of Risk Management for Commercial Banks, including
Umum, diantaranya melalui : through:
- Identifikasi Risiko Kepatuhan yang dihadapi; - Identification of Compliance Risks faced;
- Jenis dan signifikansi pelanggaran yang dilakukan; - Type and significance of violations committed;
- Frekuensi pelanggaran yang dilakukan atau track - Frequency of violations committed or the Bank's
record kepatuhan Bank; compliance track record;
- Potensi risiko Kepatuhan yang diperkirakan akan - Potential Compliance Risks anticipated to be faced
dihadapi kedepannya; in the future;
- Tindak lanjut dan mitigasi risiko kepatuhan yang - Follow-up actions and compliance risk mitigation
telah dilakukan; measures taken;
- Komparasi Laporan Fungsi Kepatuhan; - Comparative Compliance Function Reports;
- Laporan Khusus Direktur Kepatuhan. - Special Reports of the Compliance Director.
3. Menilai dan mengevaluasi efektivitas, kecukupan, 3. Assessing and evaluating the effectiveness, adequacy,
dan kesesuaian kebijakan, ketentuan, sistem maupun and conformity of the Bank's policies, regulations,
prosedur yang dimiliki oleh Bank dengan ketentuan systems, and procedures with applicable laws and
perundang-undangan, diantaranya melalui: regulations, including through:
- Penyampaian peraturan perundang-undangan, - Dissemination of laws and regulations, Financial
peraturan Regulator Jasa Keuangan, Peraturan Services Authority regulations, and Bank Indonesia
Bank Indonesia berikut peraturan pelaksanaannya; regulations along with their implementing provisions;
- Penyampaian kajian gap analisis dan tindak lanjut - Submission of gap analysis reviews and the Bank's
Bank atas penerbitan peraturan perundang- follow-up actions on the issuance of laws and
undangan, peraturan Regulator Jasa Keuangan, regulations, Financial Services Authority regulations,
Peraturan Bank Indonesia; and Bank Indonesia regulations;
- Memberikan pendapat dan rekomendasi dari - Providing compliance opinions and recommendations
aspek kepatuhan atas usulan atau permohonan on proposals or approval requests from Work Units
persetujuan dari Unit Kerja yang ditujukan kepada addressed to the Board of Directors.
Direksi.
4. Melakukan kaji ulang dan/atau merekomendasikan 4. Conducting reviews and/or recommending updates
pengkinian dan penyempurnaan kebijakan, ketentuan, and refinements to the Bank's policies, regulations,
sistem maupun prosedur yang dimiliki oleh Bank systems, and procedures to ensure conformity with
agar sesuai dengan ketentuan OJK dan ketentuan OJK regulations and applicable laws and regulations,
perundang-undangan, diantaranya melalui : including through:
- Prosedur penyusunan Ketentuan Internal yang - Standard procedures for the preparation of Internal
standar dan media publikasi kepada seluruh Regulations and their publication to all employees;
karyawan;
- Pelaksanaan review atas ketentuan internal yang - Conducting reviews of internal regulations to be
akan diusulkan kepada Direksi; proposed to the Board of Directors;
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
- Merekomendasikan pengkinian, penyempurnaan - Recommending updates, refinements, and/or new
dan/atau penyusunan baru atas ketentuan internal formulations of internal regulations in response
atas dampak penerbitan peraturan perundang- to the issuance of laws and regulations/Financial
undangan/peraturan Regulator Jasa Keuangan/ Services Authority regulations/Bank Indonesia
Peraturan Bank Indonesia dan informasi lain yang regulations and other information obtained, including
diperoleh termasuk temuan audit. audit findings.
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5. Melakukan upaya memastikan bahwa kebijakan, 5. Taking measures to ensure that the Bank's policies,
ketentuan, sistem dan prosedur, serta kegiatan usaha regulations, systems, procedures, and business
Bank telah sesuai dengan ketentuan OJK dan ketentuan activities are in conformity with OJK regulations and
perundang-undangan; applicable laws and regulations.
6. Melakukan tugas lain yang terkait dengan Fungsi 6. Carrying out other duties related to the Compliance
Kepatuhan, melalui: Function, including through:
- Pemantauan atas pemenuhan tindak lanjut - Monitoring the fulfillment of audit follow-up actions;
pemeriksaan audit;
- Pemantauan Kepatuhan Bank atas pelaporan ke - Monitoring the Bank's compliance with reporting
Regulator Jasa Keuangan, Bank Indonesia dan obligations to the Financial Services Authority, Bank
Pihak Ekstern lainnya; Indonesia, and other External Parties;
- Kewajiban penerapan tata kelola bagi Bank umum; - Compliance with governance obligations for
commercial banks;
- sosialisasi kepada karyawan mengenai hal-hal - Dissemination to employees on matters related to
yang terkait dengan Fungsi Kepatuhan terutama the Compliance Function, particularly regarding
mengenai ketentuan yang berlaku. applicable regulations.
INDEPENDENSI FUNGSI KEPATUHAN INDEPENDENCE OF THE COMPLIANCE FUNCTION
Dalam menjalankan Fungsi Kepatuhan, Bank memiliki In carrying out the Compliance Function, the Bank has
Direktur Kepatuhan yang membawahkan Fungsi Kepatuhan a Compliance Director who oversees the Compliance
dan membentuk Satuan Kerja Kepatuhan yang independen Function and has established an independent Compliance
yang dipimpin oleh Kepala Divisi Kepatuhan. Work Unit headed by the Head of the Compliance Division.
DIREKTUR YANG MEMBAWAHKAN FUNGSI DIRECTOR OVERSEEING THE COMPLIANCE
KEPATUHAN FUNCTION
Direktur yang membawahi fungsi kepatuhan wajib The Director overseeing the Compliance Function is
memenuhi ketentuan sebagai berikut: required to fulfill the following provisions:
1. Wajib memenuhi persyaratan independensi. 1. Must meet independence requirements.
2. Direktur utama dilarang merangkap jabatan sebagai 2. The President Director is prohibited from concurrently
direktur yang membawahkan Fungsi Kepatuhan. serving as the Director overseeing the Compliance
Function.
3. Dilarang membawahkan fungsi: 3. Is prohibited from overseeing the following functions:
• Bisnis dan operasional. ∙ Business and operations.
• Manajemen risiko yang melakukan pengambilan ∙ Risk management involving decision-making in the
keputusan pada kegiatan usaha Bank. Bank's business activities.
• Treasuri (treasury). ∙ Treasury.
• Keuangan dan akuntansi. ∙ Finance and accounting.
• Logistik dan pengadaan barang atau jasa. ∙ Logistics and procurement of goods or services.
• Teknologi informasi. ∙ Information technology.
• Audit intern. ∙ Internal audit.
KRITERIA KEPALA SATUAN FUNGSI KEPATUHAN CRITERIA FOR THE HEAD OF THE COMPLIANCE
FUNCTION UNIT
Kepala Satuan Fungsi Kepatuhan wajib memenuhi kriteria The Head of the Compliance Function Unit is required to
sebagai berikut: fulfill the following criteria:
348 Laporan Tahunan & Laporan Keberlanjutan 2025
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1. Harus memiliki independensi dalam melaksanakan 1. Must possess independence in carrying out their duties.
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
tugasnya.
2. Menguasai regulasi yang ditetapkan oleh Otoritas Jasa 2. Must have a thorough command of regulations issued
Keuangan (OJK) serta peraturan perundang-undangan by the Financial Services Authority (OJK) and applicable
yang berlaku. laws and regulations.
3. Tidak diperkenankan menjalankan tugas di luar ruang 3. Is not permitted to carry out duties outside the scope of
lingkup Fungsi Kepatuhan. the Compliance Function.
4. Memiliki komitmen tinggi dalam menerapkan dan 4. Must have a strong commitment to implementing and
mengembangkan Budaya Kepatuhan di Bank. developing a Compliance Culture within the Bank.
5. Berkoordinasi langsung dengan Direktur yang 5. Must coordinate directly with the Director responsible for
bertanggung jawab atas Fungsi Kepatuhan. the Compliance Function.
KEWAJIBAN SATUAN FUNGSI KEPATUHAN OBLIGATIONS OF THE COMPLIANCE FUNCTION
UNIT
Satuan Fungsi Kepatuhan memiliki kewajiban sebagai The Compliance Function Unit has the following obligations:
berikut:
1. Wajib bersikap independen dalam menjalankan 1. Must act independently in carrying out its duties.
tugasnya.
2. Tidak diperkenankan menduduki posisi yang dapat 2. Is not permitted to hold positions that may give rise
menimbulkan benturan kepentingan (conflict of interest) to conflicts of interest in the implementation of the
dalam pelaksanaan Fungsi Kepatuhan. Compliance Function.
3. Bertanggung jawab atas pengelolaan dan pelaksanaan 3. Is responsible for the management and implementation
Fungsi Kepatuhan di Bank. of the Compliance Function within the Bank.
PEDOMAN OPERASIONAL KEPATUHAN COMPLIANCE OPERATIONAL GUIDELINES
Bank telah memiliki Kebijakan Kepatuhan (compliance The Bank has a Compliance Policy which sets out the
policy) yang didalamnya mengatur Piagam Kepatuhan; Kode Compliance Charter, the Company's Code of Conduct, and
Etik Perusahaan; dan SOP Kepatuhan (compliance policy) the Compliance Standard Operating Procedures (SOPs),
yang menjadi pedoman pelaksanaan Fungsi Kepatuhan which serve as the guidelines for the implementation of
dan juga perangkat untuk mendukung terciptanya Budaya the Compliance Function and as instruments to support
Kepatuhan. Selain itu, Bank juga telah memiliki sistem the establishment of a Compliance Culture. In addition,
dan prosedur kepatuhan yang digunakan untuk menyusun the Bank also has compliance systems and procedures
standarisasi Ketentuan Internal Bank. used to formulate the standardization of the Bank's Internal
Regulations.
PENGEMBANGAN KOMPETENSI FUNGSI COMPETENCY DEVELOPMENT OF THE
KEPATUHAN COMPLIANCE FUNCTION
Di tahun 2025, Fungsi Kepatuhan telah mengikuti In 2025, the Compliance Function has participated in the
pengembangan kompetensi sebagai berikut: following competency development activities:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 349
Page 352
Tabel Pengembangan Kompetensi Fungsi Kepatuhan Table of Compliance Function Competency
Tahun 2025 Development in 2025
Pendidikan / Pelatihan / Pelaksanaan /
No
Education / Training Date
1 Pelatihan PPATK Bidang Pelaporan Tahun 2026 / PPATK Training on Reporting in 2026 28 Januari 2025 /
January 28, 2025
2 Pelatihan Kewajiban Penyampaian Laporan Penilaian Sendiri dan Pengkinian Data Pokok Bank / 13 Februari 2026 /
Training on the Obligation to Submit Self-Assessment Reports and Update Bank Core Data February 13, 2026
3 Pelatihan Petunjuk Teknis Operasional Mesin Pinpad / Training on Technical Operating Instructions for 20 Februari 2025 /
Pinpad Machines February 20, 2025
4 Resertifikasi Manajemen Risiko Jenjang 5 / Risk Management Recertification — Level 5 25 April 2025 /
April 25, 2025
5 Training Penerapan Program APU-PPT & Pengendalian Gratifikasi / Training on Implementation of 29 April 2025 /
APU-PPT Program & Gratuity Control April 29, 2025
6 Training ISO 37001:2016 Anti Bribery Management System Awareness Dan Internal Auditor / Training 16 s/d 17 Mei 2025 /
on ISO 37001:2016 Anti-Bribery Management System Awareness and Internal Auditor May 16–17, 2025
8 Pelatihan Sistem Manajemen Keamanan Informasi (SMKI) / Training on Information Security 22 Mei 2025 /
Management System (ISMS) May 22, 2025
9 Pengenalan Budaya Perusahaan Bank Banten / Introduction to Bank Banten’s Corporate Culture 25 Mei 2025 /
May 25, 2025
10 Standarisasi Kompetensi Di Bidang Sistem Pembayaran (SK SP) / Competency Standardization in the 5 Juni 2025 /
Field of Payment Systems (SK SP) June 5, 2025
11 Webinar Strategi Aman Transaksi Aset Kripto Dan Keuangan Digital: Perlindungan Data Pribadi 19 Juni 2025 /
Dampak Teknologi Biometrik Di Indonesia / Webinar on Safe Strategies for Crypto Asset and Digital June 19, 2025
Financial Transactions: Personal Data Protection and the Impact of Biometric Technology in Indonesia
12 Sosialisasi Sertifikasi Kompetensi KKNI Bidang Kepatuhan & Bidang Anti Pencucian Uang dan 25 Juni 2025 /
Pencegahan Pendanaan Terorisme (APU PPT) / Dissemination on KKNI Competency Certification in June 25, 2025
the Fields of Compliance & Anti-Money Laundering and Prevention of Terrorism Financing (APU PPT)
13 Petunjuk Teknis Pembebanan Biaya / Technical Guidelines for Cost Charging 25 Juni 2025 /
June 25, 2025
14 PADG No 14 Tahun 2025 tentang Penyelenggaraan BI Fast / PADG No. 14 of 2025 on the Implementation 15 Juli 2025 /
of BI-FAST July 15, 2025
15 Workshop Implementasi Sinergitas Bidang Manajemen Risiko Dan Tata Kelola Dalam Lingkup KUB 22 s/d 23 September
/ Workshop on Implementation of Synergy in Risk Management and Governance within the KUB 2025 /
Framework September 22–23,
2025
16 Training Anti-Fraud Awareness & Sistem Manajemen Anti Penyuapan (SMAP) / Training on Anti-Fraud 24 September 2025 /
Awareness & Anti-Bribery Management System (SMAP) September 24, 2025
17 Pelatihan LHPK AP & FMI Serta KPDHN Tahun 2025 / Training on LHPK AP & FMI and KPDHN 2025 27 November 2025 /
November 27, 2025
18 Training Service & Budaya: Reenergize Culture Bank Banten 2025 / Training on Service & Culture: 17 Oktober 2025 /
Reenergize Culture Bank Banten 2025 October 17, 2025
19 Peraturan OJK No 25 Tahun 2025 Tentang Pengelolaan Rekening Pada Bank Umum / OJK Regulation 28 November 2025 /
No. 25 of 2025 on Account Management at Commercial Banks November 28, 2025
20 Implementasi Pengisian Pelaporan Pajak Melalui Akun Coretax / Implementation of Tax Reporting 30 Desember 2025 /
Filing via Coretax Account December 30, 2025
PELAKSANAAN TUGAS FUNGSI KEPATUHAN IMPLEMENTATION OF THE COMPLIANCE FUNCTION
DUTIES
Di tahun 2025, Fungsi Kepatuhan telah menjalankan tugas In 2025, the Compliance Function carried out the following
sebagai berikut: duties:
1. Meningkatkan program terwujudnya Budaya Kepatuhan 1. Enhancing programs to realize a Compliance
di unit kerja baik secara offline maupun online, dan Culture within work units, both offline and online, and
secara berkelanjutan meningkatkan pemahaman continuously improving employees' understanding of
pegawai atas ketentuan internal Bank yang berlaku; the Bank's applicable internal regulations;
350 Laporan Tahunan & Laporan Keberlanjutan 2025
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2. Melakukan pemantauan secara aktif atas penerbitan 2. Actively monitoring the issuance of new regulatory
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
peraturan regulator baru dan membangun komunikasi provisions and establishing communication with relevant
dengan unit kerja terkait melalui proses kajian gap work units through gap analysis reviews and discussion
analisis dan forum diskusi, sebagai upaya untuk forums, as an effort to ensure that the Bank's policies,
memastikan agar kebijakan, ketentuan, sistem, dan regulations, systems, procedures, and business
prosedur serta kegiatan usaha yang dilakukan Bank activities are in conformity with regulatory requirements;
telah sesuai dengan peraturan regulator;
3. Melaksanakan fungsi reminder untuk memastikan 3. Implementing a reminder function to ensure the fulfillment
terpenuhinya kewajiban pelaporan eksternal kepada of external reporting obligations to Regulators, through
Regulator, melalui aplikasi sistem reminder untuk a reminder system application to facilitate monitoring,
memudahkan pemantauan, mendorong tingkat promote compliance in report submission, and minimize
kepatuhan dalam penyampaian laporan dan penalty sanctions;
meminimalisir sanksi denda;
4. Mengembangkan portal ketentuan yang menjadi 4. Developing a regulatory portal that serves as a database
database seluruh Ketentuan Internal Bank, sehingga for all of the Bank's Internal Regulations, enabling
jajaran organisasi terkait dapat dengan mudah relevant organizational units to easily access them and
mengakses dan menjadi salah satu langkah untuk serving as one of the measures to realize a Compliance
mewujudkan Budaya Kepatuhan; Culture;
5. Penyempurnaan atas Kebijakan, SOP, serta Juknis 5. Refinement of Policies, SOPs, and Technical Guidelines
terkait dengan bidang bisnis, operasional dan relating to business, operational, and control matters, in
pengendalian, sejalan dengan perubahan peraturan line with changes in external regulations, changes in
eksternal, perubahan model bisnis, temuan audit dan business models, audit findings, and the Bank's internal
kebutuhan internal Bank dengan skala prioritas; needs on a priority basis;
6. Melaksanakan Rapat Komite Kepatuhan & GCG 6. Conducting Compliance & GCG Committee Meetings in
sesuai Pedoman dan Tata Tertib Kerja Komite, yang accordance with the Committee's Guidelines and Rules
membahas antara lain: permasalahan yang berdampak of Procedure, which address, among other matters:
pada risiko kepatuhan, pemenuhan tindak lanjut atas issues impacting compliance risk, and the fulfillment
penerbitan peraturan Regulator yang berdampak pada of follow-up actions on the issuance of Regulatory
Bank; provisions affecting the Bank;
7. Pengembangan kualitas dan kompetensi Satuan 7. Development of the quality and competency of the
Kerja Kepatuhan, meliputi: Sosialisasi, Resertifikasi, Compliance Work Unit, encompassing: dissemination,
Trainning, Webinar, Workshop. recertification, training, webinars, and workshops.
INDIKATOR KEPATUHAN 2025 COMPLIANCE INDICATORS IN 2025
Indikator Kepatuhan posisi 31 Desember 2025, yang The Compliance Indicators as of December 31, 2025,
mencerminkan bentuk komitmen dan tingkat Kepatuhan reflecting the form of commitment and the level of the Bank's
Bank terhadap ketentuan dan peraturan perundang- compliance with applicable regulations and laws, show that
undangan dimana atas beberapa parameter indikator several compliance indicator parameters as presented in
kepatuhan sebagaimana terdapat pada tabel di bawah ini the table below remain within the limits established by the
masih berada pada batasan yang telah ditetapkan oleh Regulator, as follows:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Regulator, sebagai berikut:
2025 Annual Report & Sustainability Report 351
Page 354
Tabel Parameter Indikator Kepatuhan Tahun 2025 Compliance Indicator Parameters Table in 2025
Parameter / Parameter Ketentuan Regulator / Regulatory Requirement Bank Banten
KP MM Minimal 10% s/d < 11% / Minimum 10% to < 11% 43,11%
NPL (net) Maksimal 5% / Maximum 5% 1,98%
NPL (net) / Non-Performing Loans/NPL
(net)
• Pihak Terkait / Related Parties Maks. 10% dari Modal / Max. 10% of Capital -
• Pihak Tidak Terkait / Non-Related Maks. 25% dari Modal Inti / Max. 25% of Core Capital 2,70% (individu) /
Parties 2.70% (individual
• BUMN / State-Owned Enterprises Maks. 30% dari Modal Inti / Max. 30% of Core Capital 2,46% (kelompok) /
(BUMN) 2.46% (group)
GWM Rupiah / Rupiah Statu-tory Reserve Minimal 9% / Minimum 9% 8,92%
Requirement (GWM)
RIM Minimal 84% s/d 94% / Minimum 84% to 94% 66,67%
FUNGSI ANTI PENCUCIAN UANG, ANTI-MONEY LAUNDERING, PREVENTION
PENCEGAHAN PENDANAAN TERORISME OF TERRORISM FINANCING (AML-CFT)
(APU-PPT) DAN PENCEGAHAN AND PREVENTION OF FINANCING OF
PENDANAAN PROLIFERASI SENJATA PROLIFERATION OF WEAPONS OF MASS
PEMUSNAH MASSAL (PPP-SPM) DESTRUCTION (PF-WMD) FUNCTION
PENERAPAN PROGRAM APU-PPT DAN PPP-SPM IMPLEMENTATION OF THE AML-CFT AND PF-WMD
PROGRAMS
Penerapan program APU, PPT dan PPPSPM merupakan The implementation of the AML, CFT, and PF-WMD
kewajiban bagi semua pihak, terutama bagi Bank sebagai programs is an obligation for all parties, particularly for the
perusahaan jasa keuangan. Mengingat semakin maraknya Bank as a financial services company. Given the increasing
praktek pencucian uang termasuk penyelewengan prevalence of money laundering practices, including
penggunaan rekening untuk menampung pendanaan the misuse of accounts to channel terrorism financing,
terorisme, maka diperlukan komitmen dari seluruh pihak commitment from all parties is required to support the
dalam mendukung penerapan program APU, PPT dan implementation of the AML, CFT, and PF-WMD programs.
PPPSPM.
Bank Banten melaksanakan program Anti Pencucian Uang Bank Banten implements the Anti-Money Laundering (AML),
(APU), Pencegahan Pendanaan Terorisme (PPT) dan Prevention of Terrorism Financing (CFT), and Prevention of
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Financing of Proliferation of Weapons of Mass Destruction
Massal (PPPSPM) secara efektif dan efisien dengan (PF-WMD) programs effectively and efficiently, guided by
berpedoman pada Peraturan Otoritas Jasa Keuangan No. Financial Services Authority Regulation No. 8 of 2023 on
8 Tahun 2023 tentang Penerapan Program Anti Pencucian the Implementation of Anti-Money Laundering, Prevention
Uang, Pencegahan Pendanaan Terorisme dan Pencegahan of Terrorism Financing, and Prevention of Financing of
Pendanaan Proliferasi Senjata Pemusnah Massal di Sektor Proliferation of Weapons of Mass Destruction Programs in
Jasa Keuangan. the Financial Services Sector.
Dalam rangka penguatan penerapan program APU, PPT In order to optimally strengthen the implementation of the
dan PPPSPM dengan optimal Bank Banten berpedoman AML, CFT, and PF-WMD programs, Bank Banten is guided
pada ketentuan, regulasi, praktek manajemen risiko dan by applicable regulations, risk management practices, and
Rencana Bisnis Bank dengan mewujudkan serangkaian the Bank's Business Plan, by realizing a series of strategic
inisiatif strategis yang berfokus pada Prosedur dan Proses, initiatives focused on Procedures and Processes, Systems
Sistem dan Teknologi, serta Sumber Daya Manusia untuk and Technology, and Human Capital to enhance the
meningkatkan efektifitas Program APU, PPT dan PPPSPM. effectiveness of the AML, CFT, and PF-WMD Programs.
352 Laporan Tahunan & Laporan Keberlanjutan 2025
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Penerapan Program APU, PPT dan PPPSPM di Bank The implementation of the AML, CFT, and PF-WMD
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Banten, mencakup: Programs at Bank Banten encompasses:
1. Pengawasan Aktif Direksi dan Komisaris 1. Active Oversight by the Board of Directors and
Pengawasan aktif oleh Direksi dan Dewan Komisaris Board of Commissioners
merupakan pilar pertama dalam Penerapan Program Active oversight by the Board of Directors and the
APU, PPT dan PPPSPM, termasuk pengawasan Board of Commissioners constitutes the first pillar in
pada seluruh jaringan kantor Bank, dimana bentuk the Implementation of the AML, CFT, and PF-WMD
pengawasan aktif dilakukan melalui: Programs, including oversight across the entire Bank
office network, where active oversight is carried out
through:
a. Persetujuan Direksi dalam menetapkan Bagian a. Board of Directors' approval in designating the AML-
Pengelolaan APU-PPT di Divisi Kepatuhan sebagai CFT Management Section within the Compliance
Unit Kerja Khusus (UKK) yang bertanggung Division as the Special Work Unit (UKK) responsible
jawab atas pelaksanaan Program APU, PPT, dan for the implementation of the AML, CFT, and PF-
PPPSPM. WMD Programs.
b. Persetujuan Direksi dan Dewan Komisaris terhadap b. Approval by the Board of Directors and the Board
kebijakan serta prosedur penerapan Program APU, of Commissioners of the policies and procedures for
PPT, dan PPPSPM. the implementation of the AML, CFT, and PF-WMD
Programs.
c. Penyampaian laporan berkala kepada Direksi dan c. Submission of periodic reports to the Board of
Dewan Komisaris terkait implementasi Program Directors and the Board of Commissioners regarding
APU, PPT, dan PPPSPM, baik dalam periode the implementation of the AML, CFT, and PF-WMD
triwulanan, semesteran, maupun tahunan. Programs, on a quarterly, semi-annual, and annual
basis.
d. Persetujuan Direksi terhadap laporan rencana serta d. Board of Directors' approval of reports on the plan
realisasi pengkinian data nasabah. and realization of customer data updates.
e. Pelaksanaan rapat antara Direksi dan Dewan e. Conduct of meetings between the Board of Directors
Komisaris untuk membahas perkembangan serta and the Board of Commissioners to discuss
implementasi Penerapan Program APU, PPT dan developments and implementation of the AML, CFT,
PPPSPM. and PF-WMD Programs.
2. Kebijakan dan Prosedur 2. Policies and Procedures
Kebijakan dan Prosedur Penerapan Program APU, Policies and Procedures for the Implementation of the
PPT, dan PPPSPM dengan mengacu pada POJK No. AML, CFT, and PF-WMD Programs are guided by POJK
8 Tahun 2023 dan peraturan perundang-undangan No. 8 of 2023 and related laws and regulations, with
terkait, dengan cakupan pengaturan meliputi: regulatory coverage encompassing:
a. Pengawasan Aktif Direksi dan Dewan Komisaris. a. Active Oversight by the Board of Directors and the
Board of Commissioners.
b. Organisasi, tugas dan tanggung jawab segenap b. Organizational structure, duties, and responsibilities
jajaran organisasi. of all levels of the organization.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
c. Identifikasi dan Verifikasi Calon Nasabah, WIC dan c. Identification and Verification of Prospective
Beneficial Owner. Customers, Walk-In Customers (WIC), and
Beneficial Owners.
d. Penilaian Risiko TPPU, TPPT, dan/atau PPSPM d. Money Laundering (ML), Terrorism Financing (TF),
terhadap Nasabah, Calon Nasabah, WIC dan and/or Proliferation Financing (PF) Risk Assessment
Beneficial Owner. of Customers, Prospective Customers, WICs, and
Beneficial Owners.
2025 Annual Report & Sustainability Report 353
Page 356
e. Pelaksanaan Enhanced Due Diligence (EDD) e. Implementation of Enhanced Due Diligence (EDD)
terhadap nasabah berisiko tinggi. for high-risk customers.
f. Pemeliharaan dan pengkinian DTTOT, DPPSPM f. Maintenance and updating of the DTTOT, DPPSPM,
dan daftar pihak yang diduga terkait dengan judi and the list of parties suspected to be associated
online. with online gambling.
g. Prosedur pre-employee screening pegawai dan g. Pre-employment screening procedures and Know
Know Your Employee pegawai. Your Employee procedures for staff.
h. Prosedur Transfer Dana. h. Fund Transfer procedures.
i. Pemantauan profil dan Transaksi nasabah. i. Monitoring of customer profiles and transactions.
j. Dokumentasi data nasabah dan transaksi nasabah. j. Documentation of customer data and customer
transactions.
k. Sistem Pengendalian Intern. k. Internal Control System.
l. Sistem Informasi Manajemen. l. Management Information System.
m. Sumber daya manusia dan pelatihan pegawai. m. Human capital and employee training.
n. Penutupan hubungan usaha, penolakan transaksi n. Termination of business relationships, rejection of
nasabah, penundaan transaksi, penghentian customer transactions, transaction postponement,
sementara transaksi dan pemblokiran serta merta. temporary suspension of transactions, and
immediate blocking.
o. Kewajiban pelaporan dan penyampaian data untuk o. Reporting obligations and data submission for the
kebutuhan otoritas. needs of authorities.
3. Pengendalian Internal 3. Internal Controls
Efektivitas pengendalian internal dalam implementasi The effectiveness of internal controls in the
Program APU, PPT, dan PPPSPM dilakukan melalui implementation of the AML, CFT, and PF-WMD
langkah-langkah, antara lain: Programs is carried out through the following measures,
among others:
a. Penyusunan kebijakan dan prosedur yang jelas a. Formulation of clear policies and procedures relating
terkait Penerapan Program APU, PPT dan PPPSPM. to the Implementation of the AML, CFT, and PF-
WMD Programs.
b. Pelaksanaan pemantauan internal yang memadai. b. Implementation of adequate internal monitoring.
c. Penetapan batasan wewenang dan tanggung c. Establishment of clear authority limits and
jawab yang jelas bagi unit kerja yang terkait dalam responsibilities for work units involved in the
penerapan Program APU, PPT, dan PPPSPM implementation of the AML, CFT, and PF-WMD
melalui mekanisme first line of defense (risktaking Programs through the first line of defense (risk-
unit), second line of defense, serta third line of taking unit), second line of defense, and third line of
defense. defense mechanisms.
d. Pelaksanaan audit secara berkala untuk memastikan d. Conduct of periodic audits to ensure the effectiveness
efektivitas implementasi program APU, PPT, dan of the implementation of the AML, CFT, and PF-
PPPSPM di Kantor Pusat maupun Kantor Cabang WMD Programs at both the Head Office and Branch
melalui Divisi Audit Internal. Offices through the Internal Audit Division.
4. Sistem Informasi Manajemen 4. Management Information System
Bank melakukan pengembangan sistem Informasi The Bank develops its management information system
manajemen penerapan Program APU, PPT, dan for the implementation of the AML, CFT, and PF-WMD
PPPSPM untuk meningkatkan kualitas data nasabah Programs to improve the quality of customer data and
guna meningkatkan kualitas pelaporan, meliputi: enhance reporting quality, encompassing:
354 Laporan Tahunan & Laporan Keberlanjutan 2025
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a. Sistem pemantauan transaksi untuk identifikasi a. Transaction monitoring system for the identification
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
transaksi mencurigakan, profiling nasabah dan of suspicious transactions, customer profiling, and
Customer Due Diligence (CDD) & Endhanced Due Customer Due Diligence (CDD) & Enhanced Due
Diligence (EDD). Diligence (EDD).
b. Sistem pelaporan elektronik untuk mengakomodir b. Electronic reporting system to accommodate reports
pelaporan-pelaporan kepada pihak regulator. to regulatory authorities.
c. Database dan penyimpanan data c. Database and data storage.
d. Manajemen risiko berbasis Teknologi (RBA) d. Technology-based risk management (Risk-Based
Approach/RBA).
Selain itu juga melakukan pengembangan termasuk In addition, the Bank also conducts development
me-review berkala atas kebutuhan parameter activities including periodic reviews of the parameters
untuk mendeteksi transaksi yang harus dilakukan required to detect transactions subject to monitoring.
pemantauan.
5. Sumber Daya Manusia dan Pelatihan 5. Human Capital and Training
Bank Banten secara berkala melakukan peningkatan Bank Banten regularly enhances the awareness and
awareness dan kompetensi penerapan Program APU, competency of all employees, both at the Head Office
PPT dan PPPSPM kepada seluruh karyawan baik di and Branch Offices, in the implementation of the AML,
Kantor Pusat dan Kantor Cabang. CFT, and PF-WMD Programs.
STRUKTUR ORGANISASI APU, PPT DAN PPPSPM ORGANIZATIONAL STRUCTURE OF AML, CFT, AND
PF-WMD
Bank Banten menetapkan Bagian Pengelolaan APU-PPT Bank Banten designates the AML-CFT Management
pada Divisi Kepatuhan sebagai Unit Kerja Khusus (UKK) Section within the Compliance Division as the Special Work
yang bertanggung jawab terhadap penerapan Program Unit (UKK) responsible for the implementation of the AML,
APU, PPT dan PPPSPM, sedangkan penerapan Program CFT, and PF-WMD Programs, while the implementation of
APU, PPT dan PPPSPM di Kantor Cabang di lakukan oleh: the AML, CFT, and PF-WMD Programs at Branch Offices is
carried out by:
1. Pejabat tertinggi bidang operasional di Kantor Cabang 1. The highest-ranking operational officer at the Branch
sebagai Person In Charge APU – PPT. Office, acting as the Person in Charge for AML-CFT.
2. Quality Assurace yang menjalankan fungsi pengawasan 2. Quality Assurance, which performs a supervisory
atas penerapan Program APU, PPT dan PPPSPM di function over the implementation of the AML, CFT, and
Kantor Cabang. PF-WMD Programs at Branch Offices.
IMPLEMENTASI PROGRAM PU, PPT DAN PPPSPM IMPLEMENTATION OF THE AML, CFT, AND PF-WMD
PROGRAMS
Penerapan Program APU, PPT dan PPPSPM selama tahun The implementation of the AML, CFT, and PF-WMD
2025 yang telah dijalankan, antara lain: Programs throughout 2025 has included, among others:
1. Implementasi Program APU, PPT & PPPSPM dibawah 1. Implementation of the AML, CFT & PF-WMD Programs
pengawasan Direktur Kepatuhan, telah memiliki under the supervision of the Compliance Director,
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
kebijakan dan prosedur serta didukung sistem supported by adequate policies and procedures, internal
pengendalian intern dan sistem informasi manajemen control systems, management information systems, and
yang memadai, dan sumber daya manusia yang cukup sufficiently competent human capital.
kompeten.
2025 Annual Report & Sustainability Report 355
Page 358
2. Pelaksanaan Individual Risk Assessment terhadap 2. Conduct of Individual Risk Assessments for ML, TF, and
risiko TPPU, TPPT dan PPSPM, dengan mengacu PF risks, with reference to the results of the National
pada hasil penilaian risiko National Risk Assessment Risk Assessment and Sectoral Risk Assessment.
dan Sectoral Risk Assessment.
3. Mengembangkan dan meningkatkan sistem informasi 3. Development and enhancement of the management
manajemen penerapan APU, PPT & PPPSPM, information system for the implementation of the AML,
serta meningkatkan kualitas data nasabah yang CFT & PF-WMD Programs, as well as the continuous
berkesinambungan guna meningkatkan kualitas improvement of customer data quality to enhance
pelaporan sebagai tugas Pelapor dalam rezim APU, reporting quality in fulfillment of the Bank's obligations
PPT & PPPSPM as a Reporting Party under the AML, CFT & PF-WMD
regime.
4. Pelaporkan secara periodik kepada Direksi dan Dewan 4. Periodic reporting to the Board of Directors and the Board
Komisaris atas Penerapan Program APU, PPT dan of Commissioners on the Implementation of the AML,
PPPSPM, termasuk penyelenggaraan rapat Direksi CFT, and PF-WMD Programs, including the conduct
dan Dewan Komisaris untuk membahas issue dan of Board of Directors and Board of Commissioners
implementasi Program APU, PPT dan PPPSPM. meetings to discuss issues and the implementation of
the AML, CFT, and PF-WMD Programs.
5. Menyusun rencana pengkinian data nasabah tahun 5. Preparation of the customer data update plan for 2026,
2026, serta memantau realisasi pengkinian data and monitoring of the realization of customer data
nasabah selama tahun 2025 dengan pencapaian 100%. updates throughout 2025, with an achievement rate of
100%.
6. Berperan aktif dan menjadi bagian dari implementasi 6. Active participation in and contribution to the
pencegahan dan pemberantasan program APU, implementation of the prevention and eradication of
PPT & PPPSPM melalui Laporan Go-AML, SIGAP, the AML, CFT & PF-WMD Programs through Go-AML,
SIPENDAR, SIPESAT, PEDAL, SIGAP, SIPENDAR, SIPESAT, and PEDAL reporting.
7. Pelaksanaan pelatihan kepada seluruh karyawan Bank 7. Conduct of training for all Bank employees as part of
sebagai salah satu penerapan budaya kepatuhan dan the implementation of a compliance culture and, in
khususnya untuk meningkatkan kompetensi pejabat/ particular, to enhance the competency of officers/
karyawan yang bertanggung jawab dalam pengelolaan employees responsible for the management of AML,
APU, PPT dan PPPSPM. CFT, and PF-WMD.
8. Bank telah mengikuti penilaian Financial Integrity Rating 8. The Bank participated in the Financial Integrity Rating
on Money Laundering and Terrorist Financing (FIR on on Money Laundering and Terrorist Financing (FIR on
ML/TF) Tahun 2025 yang diselenggarakan oleh PPATK ML/TF) Assessment for 2025 organized by PPATK,
dan Bank Banten menerima hasil dengan kategori and Bank Banten received a result in the "Excellent"
”Sangat Baik”. category.
MANAJEMEN RISIKO RISK MANAGEMENT
GAMBAR UMUM MANAJEMEN RISIKO BANK GENERAL OVERVIEW OF BANK BANTEN'S RISK
BANTEN MANAGEMENT
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk. PT Bank Pembangunan Daerah Banten (Perseroda) Tbk.
(“Bank”) menerapkan Sistem Manajemen Risiko secara ("the Bank") implements an integrated and continuous
terintegrasi, dan berkesinambungan sebagai bagian yang Risk Management System as an inseparable part of the
tidak terpisahkan dari penerapan Tata Kelola Perusahaan implementation of Good Corporate Governance (GCG).
yang Baik (Good Corporate Governance/GCG). Penerapan The implementation of Risk Management is intended
Manajemen Risiko dimaksudkan untuk memastikan bahwa to ensure that all risks inherent in the Bank's business
seluruh risiko yang melekat pada aktivitas usaha Bank activities can be managed prudently, so as not to give rise
356 Laporan Tahunan & Laporan Keberlanjutan 2025
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dapat dikelola secara prudent, sehingga tidak menimbulkan to losses exceeding the established Risk Appetite and
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
kerugian yang melebihi Risk Appetite dan Risk Risk Tolerance, and not to disrupt the continuity of the
Tolerance yang telah ditetapkan, serta tidak mengganggu Bank's business.
kelangsungan usaha Bank.
Dalam menerapkan Manajemen Risiko, Bank berpedoman In implementing Risk Management, the Bank adheres to
pada ketentuan regulasi dari Otoritas Jasa Keuangan dan/ the regulatory provisions of the Financial Services Authority
atau Bank Indonesia mengenai penerapan Manajemen and/or Bank Indonesia on the implementation of Risk
Risiko bagi Bank Umum, termasuk namun tidak terbatas Management for Commercial Banks, including but not limited
pada ketentuan yang mengatur Manajemen Risiko to provisions governing Integrated Risk Management, Bank
Terintegrasi, Penilaian Tingkat Kesehatan Bank, serta Soundness Level Assessment, and prudence-based risk
pengelolaan risiko berbasis kehati-hatian. Selain itu, Bank management. In addition, the Bank also takes into account
juga memperhatikan standar internasional yang diterbitkan international standards issued by the Basel Committee
oleh Basel Committee on Banking Supervision (BCBS), on Banking Supervision (BCBS), including the Basel III
termasuk kerangka Basel III, khususnya dalam pengelolaan framework, particularly in the management of capital,
permodalan, likuiditas, dan risiko-risiko yang dihadapi Bank. liquidity, and the risks faced by the Bank.
Kerangka Manajemen Risiko Bank diimplementasikan The Bank's Risk Management Framework is implemented
melalui kecukupan kebijakan dan prosedur, metodologi through the adequacy of policies and procedures, risk
pengukuran risiko, perangkat pemantauan risiko, penetapan measurement methodologies, risk monitoring tools, the
limit risiko, serta kejelasan kewenangan dan tanggung establishment of risk limits, and clarity of authority and
jawab pada setiap tingkatan organisasi. Sejalan dengan responsibilities at each level of the organization. In line with
peningkatan kompleksitas bisnis dan dinamika lingkungan the increasing complexity of business and the dynamics of
eksternal, Bank secara berkelanjutan melakukan the external environment, the Bank continuously undertakes
pengembangan termasuk penyesuaian terhadap strategi development activities, including adjustments to its business
bisnis, struktur organisasi, serta penguatan manajemen strategy, organizational structure, and the strengthening of
risiko. Penerapan Manajemen Risiko di lingkungan Bank risk management. The implementation of Risk Management
mencakup paling sedikit: within the Bank encompasses at a minimum:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active oversight by the Board of Commissioners and the
Board of Directors;
2. Kecukupan kebijakan, prosedur dan penetapan limit 2. Adequacy of policies, procedures, and the establishment
risiko; of risk limits;
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of the process of risk identification,
pemantauan dan pengendalian risiko yang didukung measurement, monitoring, and control, supported by a
oleh sistem informasi manajemen risiko; dan risk management information system; and
4. Penerapan sistem pengendalian internal secara 4. Implementation of a tiered internal control system in
berjenjang sesuai prinsip three lines of defense. accordance with the three lines of defense principle.
Terkait dengan Risk Appetite dan Risk Tolerance, Bank With regard to Risk Appetite and Risk Tolerance, the Bank
telah menetapkan Risk Appetite dan Risk Tolerance has established its Risk Appetite and Risk Tolerance in
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
terkait tingkat dan jenis risiko yang bersedia diambil relation to the level and type of risks the Bank is willing
oleh Bank dalam rangka mencapai tujuan strategisnya. to assume in pursuit of its strategic objectives. These
Ketentuan tersebut ditetapkan oleh Direksi dan disetujui provisions are established by the Board of Directors
oleh Dewan Komisaris, serta ditinjau secara berkala untuk and approved by the Board of Commissioners, and are
memastikan kesesuaiannya dengan kondisi internal Bank reviewed periodically to ensure their alignment with the
dan perkembangan lingkungan eksternal. Pemantauan Bank's internal conditions and developments in the external
2025 Annual Report & Sustainability Report 357
Page 360
terhadap kepatuhan Risk Appetite dan Risk Tolerance environment. Monitoring of compliance with Risk Appetite dilakukan secara berkala dan dilaporkan kepada Direksi dan and Risk Tolerance is conducted periodically and reported Dewan Komisaris sebagai bagian dari proses pengawasan to the Board of Directors and the Board of Commissioners Manajemen Risiko. as part of the Risk Management oversight process. TATA KELOLA MANAJEMEN RISIKO RISK MANAGEMENT GOVERNANCE Tata kelola risiko Bank Banten dilakukan melalui peran Risk governance at Bank Banten is carried out through the aktif Dewan Komisaris dan Direksi. Bank menetapkan active roles of the Board of Commissioners and the Board tingkat risiko yang dapat diterima (risk appetite) serta batas of Directors. The Bank establishes an acceptable level of toleransi risiko (risk tolerance) guna memastikan bahwa risk (risk appetite) and risk tolerance limits to ensure that seluruh aktivitas bisnis dan operasional tetap berada dalam all business and operational activities remain within the batas yang telah ditentukan established boundaries. Dewan Komisaris dan Direksi secara aktif menjalankan The Board of Commissioners and the Board of Directors fungsi pengawasan terhadap kebijakan dan strategi actively perform oversight functions over Risk Management Manajemen Risiko, mengevaluasi eksposur risiko yang policies and strategies, evaluate the risk exposures diambil Bank, serta memberikan keputusan terkait transaksi assumed by the Bank, and provide decisions on transactions yang membutuhkan persetujuan Direksi. Selain itu, Bank requiring Board of Directors' approval. In addition, the Bank juga mendorong penguatan budaya sadar risiko di seluruh also promotes the strengthening of risk awareness culture jenjang organisasi, meningkatkan kompetensi SDM terkait across all levels of the organization, enhances human capital Manajemen Risiko, serta memastikan Divisi Manajemen competencies in relation to Risk Management, and ensures Risiko beroperasi secara independen dari unit pengambil that the Risk Management Division operates independently risiko. Evaluasi ulang terhadap penilaian risiko serta from risk-taking units. Periodic reassessment of risk implementasi Manajemen Risiko dilakukan secara berkala evaluations and the implementation of Risk Management is untuk memastikan efektivitasnya di seluruh unit kerja. conducted to ensure its effectiveness across all work units. Bank Banten telah membentuk struktur organisasi yang Bank Banten has established an organizational structure mencakup first line of defense, second line of defense, encompassing the first line of defense, second line of dan third line of defense, dengan kejelasan wewenang defense, and third line of defense, with clearly defined serta tanggung jawab di masing-masing unit. Bank juga authority and responsibilities within each unit. The Bank memastikan bahwa kebijakan dan prosedur yang diterapkan also ensures that the policies and procedures implemented mencukupi, termasuk dalam hal penetapan batasan risiko, are adequate, including in the establishment of risk serta memiliki proses yang terstruktur untuk identifikasi, limits, and has a structured process for risk identification, pengukuran, pemantauan, dan pengendalian risiko. measurement, monitoring, and control. All of these Seluruh proses ini didukung oleh sumber daya manusia processes are supported by competent human capital and yang kompeten serta sistem informasi manajemen risiko a risk management information system tailored to the level yang disesuaikan dengan tingkat kompleksitas usaha Bank. of complexity of the Bank's business. Dalam memperkuat pengelolaan risiko, Bank menerapkan In strengthening risk management, the Bank implements fungsi pengendalian internal, termasuk pengawasan di unit an internal control function, including oversight at risk- pengambil risiko (risktaking unit), untuk memastikan bahwa taking units, to ensure that potential risks can be minimized potensi risiko dapat diminimalkan dan tidak melebihi tingkat and do not exceed the established risk appetite and risk risk appetite serta risk tolerance yang telah ditetapkan. tolerance levels. The Bank also continuously develops a Bank juga terus mengembangkan budaya sadar risiko (risk risk awareness culture throughout the organization through awareness) di seluruh organisasi melalui sosialisasi dan risk socialization and campaigns, so that every employee kampanye risiko, sehingga setiap karyawan memahami understands the importance of risk control in every business pentingnya pengendalian risiko dalam setiap aktivitas activity. bisnis. 358 Laporan Tahunan & Laporan Keberlanjutan 2025
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KERANGKA MANAJEMEN RISIKO RISK MANAGEMENT FRAMEWORK
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Berdasarkan POJK No. 18/POJK.03/2016 tentang Pursuant to POJK No. 18/POJK.03/2016 on the
Penerapan Manajemen Risiko bagi Bank Umum, Bank Implementation of Risk Management for Commercial
Banten telah menetapkan kerangka manajemen risiko yang Banks, Bank Banten has established a risk management
terdiri dari empat bagian utama: framework consisting of four main components:
1. Risk Appetite and Tolerance 1. Risk Appetite and Tolerance
Bank memastikan bahwa setiap aktivitas bisnis telah The Bank ensures that all business activities are
diatur dalam batas risk appetite dan risk tolerance, governed within the risk appetite and risk tolerance
sehingga risiko yang diambil tetap terkendali dan sejalan limits, so that the risks assumed remain controlled and
dengan tingkat pendapatan yang diharapkan. aligned with the expected level of returns.
2. Proses Manajemen Risiko 2. Risk Management Process
Bank Banten terus meningkatkan efektivitas manajemen Bank Banten continuously enhances the effectiveness
risiko dengan memperkuat fungsi identifikasi, of risk management by strengthening the functions of
pengukuran, pemantauan, dan pengendalian risiko risk identification, measurement, monitoring, and control
di seluruh aktivitas bisnis. Hal ini bertujuan untuk across all business activities. This aims to detect and
mendeteksi dan memitigasi risiko sejak dini. mitigate risks at an early stage.
3. Infrastruktur Manajemen Risiko 3. Risk Management Infrastructure
Bank Banten membangun sistem pengendalian internal Bank Banten builds a comprehensive internal control
yang komprehensif. system.
4. Budaya Manajemen Risiko 4. Risk Management Culture
Bank Banten berkomitmen untuk membangun budaya Bank Banten is committed to building a risk awareness
sadar risiko (risk awareness) di seluruh organisasi. culture throughout the organization. This is achieved by
Hal ini dilakukan dengan menanamkan pemahaman instilling the understanding that risk is inherent in every
bahwa risiko melekat dalam setiap aktivitas usaha, serta business activity, and by ensuring compliance with the
memastikan kepatuhan terhadap regulasi, kebijakan, Bank's regulations, policies, and guidelines.
dan pedoman Bank.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 359
Page 362
Kerangka Manajemen Risiko Bank Banten Kerangka Manajemen Risiko Bank Banten
RISK APPETITE & RISK TOLERANCE
PROSES MANAJEMEN RISIKO / RISK MANAGEMENT PROCESS
IDENTIFIKASI PENGUKURAN PEMANTAUAN PENGENDALIAN
IDENTIFICATION MEASUREMENT MONITORING CONTROLLING
INFRASTRUKTUR MANAJEMEN RISIKO / RISK MANAGEMENT INFRASTRUCTURE
Pengawasan Kecukupan Kebi- Kecukupan pro- Sistem pengen-
Aktif Dewan jakan Prosedur, ses Identifikasi dalian Intern
Komisaris & & Penempatan / Pemantauan, dan yang Meny-
pengendalian,
Direksi / Limit Adequacy of eluruh /
risiko Serta
Active Supervisory Policy Procedures Comprehensive
Sistem Informasi
by the Board of & Threshold Manajemen Internal Control
Commissioners Placement risiko / System
And The Board of Adequacy of Risk
Directors Identification,
Monitoring, And
controlling, as Well
As Risk Manage-
ment Information
System
BUDAYA RISIKO / RISK CULTURE
JENIS RISIKO YANG DIHADAPI BANK BANTEN TYPES OF RISKS FACED BY BANK BANTEN
1. Risiko Kredit 1. Credit Risk
Pengelolaan Risiko Kredit dilakukan secara Credit Risk management is carried out comprehensively
komprehensif melalui kebijakan, prosedur, dan through integrated policies, procedures, and systems.
sistem yang terintegrasi. Bank secara berkelanjutan The Bank continuously develops more accurate and in-
mengembangkan metode pemantauan dan informasi depth Credit Risk monitoring methods and information,
Risiko Kredit yang lebih akurat dan mendalam, including credit portfolio analysis, credit concentration,
termasuk analisis portofolio kredit, konsentrasi kredit, asset quality, Legal Lending Limit (BMPK), and
kualitas aset, BMPK, serta tingkat Non-Performing Loan Non-Performing Loan (NPL) levels. As part of the
(NPL). Sebagai bagian dari penerapan prinsip kehati- implementation of prudential principles, the Credit
hatian, Divisi Manajemen Risiko Kredit melaksanakan Risk Management Division conducts pre-disbursement
pemeriksaan pra-pencairan dan pasca-pencairan kredit and post-disbursement credit reviews through the
melalui fungsi Quality Assurance, Pre-Disbursement, Quality Assurance, Pre-Disbursement, and Post Credit
dan Post Credit Monitoring untuk memastikan kualitas Monitoring functions to ensure the quality of the Bank's
360 Laporan Tahunan & Laporan Keberlanjutan 2025
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penyaluran kredit Bank selain tetap melakukan was- credit disbursement, while also continuing to perform
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
is analysis, vintage analysis, watchlist monitoring dan was-is analysis, vintage analysis, watchlist monitoring,
perangkat penilaian, pemantauan dan pengendalian and other credit risk assessment, monitoring, and
risiko kredit lainnya. control tools.
2. Risiko Likuiditas 2. Liquidity Risk
Bank secara aktif melakukan identifikasi, pengukuran, The Bank actively identifies, measures, monitors, and
pemantauan, dan pengendalian Risiko Likuiditas untuk controls Liquidity Risk to ensure adequate liquidity in
memastikan kecukupan likuiditas dalam memenuhi meeting both short-term and long-term obligations.
kewajiban jangka pendek maupun jangka panjang. Liquidity Risk management is carried out with reference
Pengelolaan Risiko Likuiditas dilakukan dengan to Basel III principles through the monitoring of the
mengacu pada prinsip Basel III melalui pemantauan Liquidity Coverage Ratio (LCR) and Net Stable Funding
indikator Liquidity Coverage Ratio (LCR) dan Net Stable Ratio (NSFR) indicators, as well as the use of liquidity
Funding Ratio (NSFR), serta penggunaan perangkat monitoring tools and cash flow simulations (stress
pemantauan likuiditas dan simulasi arus kas (stress testing). These measures enable the Bank to obtain
testing). Langkah tersebut memungkinkan Bank early warning signals of potential liquidity pressures,
memperoleh early warning signal terhadap potensi including the use of other liquidity risk monitoring and
tekanan likuiditas, termasuk penggunaan perangkat- surveillance tools.
perangkat pemanatuan dan pemantauan risiko likuiditas
lainnya.
3. Risiko Pasar 3. Market Risk
Sebagai Bank non-devisa, Risiko Pasar terutama As a non-foreign exchange bank, Market Risk primarily
berasal dari pergerakan suku bunga. Bank melakukan arises from interest rate movements. The Bank monitors
pemantauan Risiko Pasar pada trading book dan Market Risk in both the trading book and banking
banking book. Pengendalian Risiko Pasar dilakukan book. Market Risk control is carried out through the
melalui penetapan limit, pemantauan posisi transaksi, establishment of limits, monitoring of transaction
penilaian dan mitigasi risiko suku bunga serta penguatan positions, assessment and mitigation of interest rate risk,
sistem treasury. Di sisi lain Bank juga telah melakukan and the strengthening of the treasury system. The Bank
pengukuran Risiko Pasar melalui penerapan model has also measured Market Risk through the application
internal seperti Value at Risk (VaR) maupun berbagai of internal models such as Value at Risk (VaR) as well
perangkat penilaian, pemantauan dan pengendalian as various other market risk assessment, monitoring,
risiko pasar lainnya. and control tools.
4. Risiko Operasional 4. Operational Risk
Pengelolaan Risiko Operasional dilakukan melalui Operational Risk management is carried out through the
penerapan prinsip four eyes, penetapan limit application of the four-eyes principle, the establishment
operasional, serta penggunaan perangkat seperti Risk of operational limits, and the use of tools such as
Control Self Assessment (RCSA), Loss Event Database Risk Control Self-Assessment (RCSA), Loss Event
(LED), dan pemantauan Key Risk Indicators. Bank juga Database (LED), and Key Risk Indicator monitoring.
berupaya mengoptimalkan fungsi unti kerja Quality The Bank also endeavors to optimize the function of
Assurance untuk melakukan berbagai pemeriksaan the Quality Assurance work unit to conduct various
untuk mengidentifikasi, menilai, memantau dan reviews to identify, assess, monitor, and minimize
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
meminimalisir potensi risk event operasional yang dapat potential operational risk events that may be detrimental
merugikan Bank. Bank juga memperkuat pengendalian to the Bank. The Bank also strengthens Information
Risiko Teknologi Informasi dan keamanan siber melalui Technology Risk and cybersecurity controls through
peningkatan infrastruktur, sosialisasi keamanan siber, infrastructure enhancement, cybersecurity socialization,
serta pelaksanaan penetration test secara berkala. and the periodic conduct of penetration tests.
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5. Risiko Kepatuhan 5. Compliance Risk
Bank memastikan bahwa seluruh kegiatan usaha, The Bank ensures that all business activities, policies,
kebijakan, dan prosedur telah sesuai dengan ketentuan and procedures are in conformity with regulatory
regulator dan peraturan perundang-undangan yang requirements and applicable laws and regulations.
berlaku. Pengelolaan Risiko Kepatuhan dilakukan Compliance Risk management is carried out through
melalui pemantauan kepatuhan terhadap regulasi yang monitoring of compliance with applicable regulations,
berlaku, kajian produk dan aktivitas baru, serta gap review of new products and activities, and gap analysis
analysis terhadap perubahan ketentuan regulator. of changes in regulatory requirements.
6. Risiko Hukum 6. Legal Risk
Risiko Hukum dikelola melalui peran aktif Divisi Hukum Legal Risk is managed through the active role of the
dalam melakukan penelaahan atas seluruh perjanjian Legal Division in reviewing all of the Bank's agreements
dan perikatan hukum Bank guna meminimalkan potensi and legal engagements to minimize potential losses
kerugian akibat kelemahan atau cacat hukum. arising from legal weaknesses or defects.
7. Risiko Reputasi 7. Reputational Risk
Bank mengelola Risiko Reputasi melalui pemantauan The Bank manages Reputational Risk through media
pemberitaan media, penanganan pengaduan Nasabah coverage monitoring, prompt and effective handling of
secara cepat dan efektif, serta komunikasi yang proaktif customer complaints, and proactive communication with
dengan pemangku kepentingan. Fungsi Corporate stakeholders. The Corporate Secretary function plays
Secretary berperan penting dalam menjaga citra dan an important role in maintaining the Bank's public image
kepercayaan publik terhadap Bank. and credibility.
8. Risiko Strategik 8. Strategic Risk
Risiko Stratejik dikelola melalui proses perencanaan dan Strategic Risk is managed through a prudent and
penetapan strategi bisnis yang prudent dan berbasis analysis-based business strategy planning and
analisis. Bank melakukan pemantauan terhadap formulation process. The Bank monitors performance
pencapaian kinerja dengan membandingkan hasil aktual achievements by comparing actual results against
terhadap target yang telah ditetapkan serta melakukan established targets and conducts periodic evaluations
evaluasi berkala untuk memastikan keselarasan strategi to ensure the alignment of strategy with the Bank's risk
dengan risk appetite dan risk tolerance Bank. appetite and risk tolerance.
UPAYA MITIGASI MANAJEMEN RISIKO RISK MANAGEMENT MITIGATION EFFORTS
Bank Banten melakukan pengelolaan terhadap berbagai Bank Banten manages various risks by identifying,
risiko dengan mengidentifikasi, menganalisis, dan analyzing, and mitigating potential risks arising from
melakukan mitigasi terhadap potensi risiko yang muncul operational activities. These risk management efforts
dari aktivitas operasional. Upaya pengelolaan risiko ini encompass the following key aspects:
mencakup beberapa aspek utama sebagai berikut:
a. Risiko Kredit a. Credit Risk
Bank Banten mengembangkan metode pemantauan Bank Banten develops more accurate credit risk
dan analisis risiko kredit yang lebih akurat guna menjaga monitoring and analysis methods to maintain and
serta meningkatkan kualitas kredit. Divisi Manajemen improve credit quality. The Credit Risk Management
Risiko Kredit juga melakukan pemeriksaan sebelum dan Division also conducts pre- and post-disbursement
sesudah pencairan kredit di berbagai jaringan kantor reviews across various office networks to ensure that the
untuk memastikan proses penyaluran kredit berjalan credit disbursement process is carried out in accordance
sesuai dengan prinsip kehati-hatian serta regulasi yang with prudential principles and applicable regulations.
berlaku.
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b. Risiko Likuiditas b. Liquidity Risk
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Bank Banten secara aktif menilai dan memantau Bank Banten actively assesses and monitors liquidity
risiko likuiditas guna mengidentifikasi potensi risiko risk to identify potential risks at an early stage and to
lebih awal serta mendukung program penguatan support the liquidity strengthening program. Various
likuiditas. Berbagai perangkat digunakan untuk menilai tools are used to assess and monitor liquidity risk,
serta memantau risiko likuiditas, termasuk simulasi including simulations of fund movements on the asset
pergerakan dana di sisi aset dan kewajiban, serta and liability sides, and the implementation of an early
penerapan early warning system untuk mendeteksi warning system to detect potential liquidity risks.
potensi risiko likuiditas.
c. Risiko Pasar c. Market Risk
Bank Banten memantau risiko pasar dalam banking Bank Banten monitors market risk in both the banking
book dan trading book, dengan fokus utama pada book and trading book, with a primary focus on evaluating
evaluasi dampak perubahan suku bunga terhadap the impact of interest rate changes on the Bank's
kinerja keuangan Bank. Sebagai bank non-devisa, financial performance. As a non-foreign exchange
pemantauan ini mencakup analisis terhadap transaksi bank, this monitoring encompasses the analysis of
serta penerapan batasan risiko (limit setting) untuk transactions and the application of limit setting to control
mengendalikan eksposur risiko pasar. market risk exposure.
d. Risiko Operasional d. Operational Risk
Bank Banten menerapkan four eyes principle dan Bank Banten applies the four-eyes principle and
menetapkan batasan pada setiap aktivitas operasional. establishes limits for every operational activity.
Pemantauan terhadap risiko teknologi informasi Monitoring of information technology risks is carried out
dilakukan secara ketat melalui proses identifikasi, rigorously through the processes of risk identification,
pengukuran, pemantauan, serta pengendalian risiko. measurement, monitoring, and control. In addition,
Selain itu, upaya peningkatan pengendalian risiko di efforts to enhance risk control at risk-taking units are
unit pengambil risiko diharapkan dapat memperkuat expected to strengthen risk awareness and improve the
kesadaran risiko (risk awareness) dan meningkatkan risk management culture at the first line of defense.
budaya pengelolaan risiko di lini pertahanan pertama
(first line of defense).
e. Risiko Kepatuhan e. Compliance Risk
Bank Banten memastikan bahwa seluruh proses bisnis Bank Banten ensures that all business processes and the
serta kebijakan dan prosedur yang diterapkan telah policies and procedures implemented are in conformity
sesuai dengan regulasi eksternal maupun ketentuan with both external regulations and internal provisions.
internal. Pemantauan dilakukan terhadap Batas Monitoring is conducted over the Legal Lending Limit
Maksimum Pemberian Kredit (BMPK), evaluasi produk (BMPK), evaluation of new products and activities, and
dan aktivitas baru, serta gap analysis guna menilai gap analysis to assess the impact of regulations on the
dampak regulasi terhadap operasional Bank. Bank's operations.
f. Risiko Hukum f. Legal Risk
Bank Banten melalui Divisi Hukum berperan dalam Bank Banten, through the Legal Division, plays a role in
mengendalikan eksposur risiko hukum dengan controlling legal risk exposure by reviewing agreements
melakukan tinjauan terhadap perjanjian atau kontrak or legal contracts to avoid potential losses arising from
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
hukum guna menghindari potensi kerugian akibat legal weaknesses or defects in the Bank's engagements.
kelemahan atau cacat hukum dalam perikatan yang
dilakukan oleh Bank.
2025 Annual Report & Sustainability Report 363
Page 366
g. Risiko Reputasi g. Reputational Risk
Bank Banten menjaga citra dan kredibilitasnya dengan Bank Banten maintains its image and credibility by
memantau pemberitaan di media serta merespons monitoring media coverage and promptly responding to
secara cepat setiap keluhan nasabah. Bank telah customer complaints. The Bank has established a call
menyediakan call center dan unit pengaduan nasabah center and customer complaint unit to handle complaints
untuk menangani keluhan serta memberikan informasi and provide information on banking products. In addition,
produk perbankan. Selain itu, untuk menangani to address negative media coverage, the Bank, through
pemberitaan negatif, Bank melalui Corporate Secretary the Corporate Secretary, coordinates with relevant work
berkoordinasi dengan unit kerja terkait guna melakukan units to communicate with stakeholders and mitigate the
komunikasi dengan pemangku kepentingan dan negative impact on the Bank's reputation.
memitigasi dampak negatif terhadap reputasi Bank.
h. Risiko Strategik h. Strategic Risk
Bank Banten menyusun strategi bisnis berdasarkan Bank Banten formulates its business strategy based
kajian dan analisis yang mendalam guna memastikan on thorough reviews and analysis to ensure that the
target yang ditetapkan realistis dan relevan dengan established targets are realistic and relevant to both
kondisi internal serta eksternal. Pemantauan risiko internal and external conditions. Strategic risk monitoring
strategik dilakukan dengan membandingkan hasil yang is conducted by comparing expected results with actual
diharapkan (expected result) dengan pencapaian aktual, achievements, and by evaluating the performance of
serta mengevaluasi kinerja unit kerja berdasarkan target work units against established targets.
yang telah ditetapkan.
TINJAUAN ATAS EFEKTIVITAS SISTEM MANAJEMEN REVIEW OF THE EFFECTIVENESS OF THE RISK
RISIKO MANAGEMENT SYSTEM
Penerapan Sistem Manajemen Risiko selama periode The implementation of the Risk Management System
pelaporan telah berjalan secara memadai, efektif dan during the reporting period has been carried out adequately,
semakin membaik, serta berperan penting sebagai fondasi effectively, and with continued improvement, playing an
dalam mendukung agenda pemulihan dan transformasi important role as a foundation in supporting the Bank's
Bank. Sistem Manajemen Risiko telah diselenggarakan recovery and transformation agenda. The Risk Management
sesuai dengan ketentuan Otoritas Jasa Keuangan dan System has been implemented in accordance with the
Bank Indonesia, serta mengacu pada prinsip-prinsip kehati- provisions of the Financial Services Authority and Bank
hatian yang ditetapkan ketentuan yang berlaku. Indonesia, and with reference to the prudential principles
established by applicable regulations.
Pengawasan aktif Dewan Komisaris dan Direksi Active oversight by the Board of Commissioners and the
dilaksanakan secara konsisten dan semakin diperkuat, Board of Directors has been consistently carried out and
khususnya dalam memastikan bahwa seluruh inisiatif progressively strengthened, particularly in ensuring that all
pemulihan dan pengembangan bisnis Bank dilaksanakan of the Bank's recovery and business development initiatives
dalam koridor Risk Appetite dan Risk Tolerance yang telah are implemented within the established Risk Appetite and
ditetapkan. Evaluasi profil risiko dilakukan secara berkala Risk Tolerance parameters. Risk profile evaluations are
dan terintegrasi dengan proses perencanaan strategis conducted periodically and integrated with the strategic
dan Rencana Bisnis Bank, sehingga setiap pengambilan planning process and the Bank's Business Plan, so that
keputusan strategis didasarkan pada pertimbangan risiko every strategic decision is based on measured and prudent
yang terukur dan prudent. risk considerations.
364 Laporan Tahunan & Laporan Keberlanjutan 2025
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Penerapan proses Manajemen Risiko yang mencakup The implementation of the Risk Management process
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
identifikasi, pengukuran, pemantauan, dan pengendalian encompassing risk identification, measurement, monitoring,
risiko telah mengalami penguatankan. Hal ini tercermin dari and control has been strengthened. This is reflected in the
meningkatnya kualitas pengendalian pada unit pengambil improved quality of controls at risk-taking units and the
risiko (risk taking units), semakin baik pengawasan risiko di increasingly effective risk oversight at the second and third
lini kedua dan ketiga Penguatan tersebut telah mendorong lines of defense. Such strengthening has fostered better
disiplin risiko yang lebih baik dan meningkatkan kualitas risk discipline and improved the quality of management
pengambilan keputusan manajemen. decision-making.
Sejalan dengan tahapan pemulihan dan transformasi, Bank In line with the recovery and transformation stages, the
secara berkelanjutan melakukan penyempurnaan kerangka Bank continuously refines its Risk Management framework
Manajemen Risiko melalui: through:
1. Penyelarasan kebijakan dan metodologi Manajemen 1. Alignment of Risk Management policies and
Risiko dengan arah strategis pemulihan dan methodologies with the Bank's strategic direction for
pertumbuhan Bank; recovery and growth;
2. Penguatan perangkat pemantauan risiko dan early 2. Strengthening of risk monitoring tools and the early
warning system untuk mendukung deteksi dini potensi warning system to support early detection of potential
risiko; risks;
3. Peningkatan perangkat penilaian, pemantauan dan 3. Enhancement of risk assessment, monitoring, and
pengendalian risiko guna mendukung pengelolaan control tools to support more accurate and targeted risk
risiko yang lebih akurat dan tepat sasaran; serta management; and
4. Pengembangan kapabilitas sumber daya manusia 4. Development of human capital capabilities through the
melalui peningkatan kompetensi dan kesadaran risiko enhancement of competencies and risk awareness
pada seluruh lini organisasi. across all lines of the organization.
5. Pengelolaan risiko secara berjenjang dalam kerangka 5. Tiered risk management within the three lines of defense
three line of defense. framework.
Upaya-upaya tersebut telah berkontribusi dalam menjaga These efforts have contributed to maintaining the Bank's
eksposur risiko Bank tetap berada dalam batas Risk Appetite risk exposure within the Risk Appetite and Risk Tolerance
dan Risk Tolerance, sekaligus mendukung perbaikan limits, while also supporting asset quality improvement,
kualitas aset, penguatan struktur pendanaan, dan stabilitas the strengthening of the funding structure, and the Bank's
operasional Bank selama proses transformasi berlangsung. operational stability throughout the transformation process.
Bank akan terus memperkuat Manajemen Risiko agar The Bank will continue to strengthen Risk Management to be
semakin proaktif, forward-looking dan terintegrasi increasingly proactive, forward-looking, and integrated with
dengan strategi pertumbuhan berkelanjutan. Penguatan its sustainable growth strategy. Continuous strengthening
Manajemen Risiko yang berkesinambungan akan menjadi of Risk Management will serve as the primary enabler in
enabler utama dalam menjaga momentum pemulihan, sustaining the recovery momentum, enhancing stakeholder
meningkatkan kepercayaan pemangku kepentingan, serta confidence, and creating sound, prudent, and sustainable
menciptakan pertumbuhan usaha yang sehat, prudent dan business growth in line with the Bank's strategic role as a
berkelanjutan sejalan dengan peran strategis Bank sebagai Regional Development Bank.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Bank Pembangunan Daerah.
2025 Annual Report & Sustainability Report 365
Page 368
PERNYATAAN DEWAN KOMISARIS DAN DIREKSI STATEMENT OF THE BOARD OF COMMISSIONERS,
SERTA KOMITE AUDIT ATAS KECUKUPAN SISTEM BOARD OF DIRECTORS, AND AUDIT COMMITTEE
MANAJEMEN RISIKO ON THE ADEQUACY OF THE RISK MANAGEMENT
SYSTEM
Dewan Komisaris dan Direksi senantiasa berkomitmen The Board of Commissioners and the Board of Directors are
untuk memastikan terselenggaranya penerapan sistem consistently committed to ensuring the effective, adequate,
Manajemen Risiko dan sistem Pengendalian Internal yang and continuous implementation of the Risk Management
efektif, memadai, dan berkesinambungan guna mendukung System and the Internal Control System in support of the
pencapaian tujuan usaha Bank secara prudent serta prudent achievement of the Bank's business objectives and
menjaga keberlanjutan usaha Bank dalam jangka panjang. the long-term sustainability of the Bank's business.
Kecukupan Sistem Manajemen Risiko Adequacy of the Risk Management System
Dalam struktur tata kelola manajemen risiko, Dewan Within the risk management governance structure, the
Komisaris menjalankan fungsi pengawasan secara aktif Board of Commissioners performs an active oversight
melalui Komite Pemantau Risiko, sedangkan Direksi function through the Risk Monitoring Committee, while the
melaksanakan fungsi Pengelolaan dan pengendalian risiko Board of Directors implements the risk management and
melalui Komite Manajemen Risiko. Direksi secara langsung control function through the Risk Management Committee.
memimpin dan bertanggung jawab atas penerapan The Board of Directors directly leads and is responsible for
manajemen risiko di seluruh jenjang organisasi Bank. the implementation of risk management across all levels of
the Bank's organization.
Di sepanjang tahun buku 2025, Dewan Komisaris dan Throughout the 2025 financial year, the Board of
Direksi menilai bahwa Sistem Manajemen Risiko Bank telah Commissioners and the Board of Directors assessed
diterapkan secara memadai dan efektif serta telah memenuhi that the Bank's Risk Management System has been
aspek ekcukuoan. Bank Banten telah menyelaraskan implemented adequately and effectively and has met the
Sistem Manajemen Risiko dengan perkembangan kondisi adequacy requirements. Bank Banten has aligned its Risk
perekonomian nasional dan global, dinamika industri Management System with developments in national and
perbankan, serta profil risiko dan strategi bisnis Bank. global economic conditions, the dynamics of the banking
Kebijakan, kerangka kerja, dan prosedur manajemen risiko industry, and the Bank's risk profile and business strategy.
Bank telah disusun dan diterapkan dengan mengacu pada The Bank's risk management policies, framework, and
prinsip kehati-hatian (prudential banking) serta ketentuan procedures have been formulated and implemented
peraturan perundang-undangan yang berlaku, termasuk with reference to the principles of prudential banking and
namun tidak terbatas pada ketentuan yang ditetapkan applicable laws and regulations, including but not limited to
oleh Otoritas Jasa Keuangandan/atau Bank Indonesia. the provisions established by the Financial Services Authority
Berdasarkan hasil pengawasan, evaluasi, dan laporan and/or Bank Indonesia. Based on the results of oversight,
yang diterima sepanjang tahun 2025, Dewan Komisaris evaluations, and reports received throughout 2025, the
dan Direksi berpendapat bahwa Sistem Manajemen Risiko Board of Commissioners and the Board of Directors are
Bank telah memadai untuk mendukung kegiatan usaha of the opinion that the Bank's Risk Management System is
Bank secara aman dan terkendali. adequate to support the Bank's business activities in a safe
and controlled manner.
PERKARA PENTING LEGAL CASES
Di sepanjang tahun 2025, terdapat perkara penting yang Throughout 2025, Bank Banten faced a number of legal
dihadapi Bank Banten. Informasi perkara penting yang cases. Information on the legal cases faced by Bank Banten
dihadapi Bank Banten adalah sebagai berikut: is as follows:
366 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tabel Perkara Penting Tahun 2025 Table of Legal Cases in 2025
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Permasalahan Hukum / Legal Cases Perdata / Civil Pidana / Criminal
Kasus hukum yang telah diputus & memiliki Kekuatan Hukum Tetap di Periode Tahun 6 (enam) / 6 (six) 4 (empat) / 4 (four)
2025 / Legal cases that have been decided and have obtained Permanent Legal Force
during the 2025 Period
Kasus hukum dalam Proses Penyelesaian di Tingkat Pengadilan Periode Tahun 2025 6 (enam) / 6 (six) 2 (dua) / 2 (two)
/ Legal cases in the Process of Resolution at the Court Level during the 2025 Period
Seluruh perkara hukum yang dihadapi Bank Banten All legal cases faced by Bank Banten have been followed
telah ditindaklanjuti sesuai dengan ketentuan peraturan up in accordance with applicable laws and regulations.
perundang-undangan yang berlaku. Langkah ini dilakukan This reflects Bank Banten's commitment to conducting its
sebagai komitmen Bank Banten dalam menjalankan operations with full compliance and prudence.
operasional dengan penuh kepatuhan dan kehati-hatian.
SANKSI ADMINISTRASI ADMINISTRATIVE SANCTIONS
Hingga 31 Desember 2025, ya/tidak terdapat sanksi As of December 31, 2025, Bank Banten has faced the
administrasi yang dihadapi Bank Banten. following administrative sanctions.
Tabel Sanksi Administrasi Bank Banten Tahun 2025 Table of Administrative Sanctions in 2025
Dampak Bagi Bank Banten /
No Sanksi Administrasi / Administrative Sanction
Impact on Bank Banten
1 Kesalahan Penggunaan Kode Transaksi TSA 51-52 (freq. 4 kali) / Incorrect Rp400,000
Use of TSA Transaction Code 51-52 (4 occur-rences)
2 Keterlambatan pembayaran tagihan KSEI (Kustodian Sentral Efek Indonesia) / Rp16.025.000
Late payment of KSEI (Indonesian Central Securities Depository) billing
3 Kesalahan Pelaporan SLIK (1 debitur) & Kesalahan Pelaporan Jaringan Kantor Rp250.000
(2 pelaporan) / Incorrect SLIK Reporting (1 debtor) & Incorrect Office Network
Reporting (2 reports)
Bank Banten senantiasa menjalankan operasional dengan Bank Banten consistently conducts its operations with full
penuh kehati-hatian. Sehingga diharapkan di tahun prudence. It is therefore expected that in the coming year,
mendatang, tidak terdapat sanksi administrasi yang dialami the Company will not incur any administrative sanctions.
oleh Perusahaan.
KODE ETIK CODE OF CONDUCT
PEDOMAN KODE ETIK CODE OF CONDUCT GUIDELINES
Kode Etik Bank Banten diatur dalam Surat Keputusan Bank Banten's Code of Conduct is governed by Board of
Dewan Komisaris No. 005/SK/KOM-BB/VI/2020 dan Surat Commissioners' Decree No. 005/SK/KOM-BB/VI/2020 and
Keputusan Direksi No. 074/SK/DIR-BB/VI/2020, yang Board of Directors' Decree No. 074/SK/DIR-BB/VI/2020,
ditetapkan pada 29 Juni 2020 mengenai Kebijakan Kode established on June 29, 2020, concerning Bank Banten's
Etik (Code of Conduct) Bank Banten. Code of Conduct Policy.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Kode Etik ini menjadi pedoman internal yang mengatur This Code of Conduct serves as an internal guideline
etika bisnis, etika kerja, komitmen, serta kepatuhan governing business ethics, work ethics, commitment, and
terhadap peraturan perusahaan dan regulasi yang berlaku. compliance with company regulations and applicable laws
Panduan ini diterapkan dalam aktivitas bisnis dan interaksi and regulations. It is applied in business activities and
2025 Annual Report & Sustainability Report 367
Page 370
dengan para pemangku kepentingan (stakeholders), serta interactions with stakeholders, and represents a tangible
merupakan wujud nyata dari komitmen Insan Bank dalam manifestation of the commitment of Bank Personnel to
menjalankan praktik bisnis yang beretika. conducting ethical business practices.
POKOK-POKOK KODE ETIK KEY PRINCIPLES OF THE CODE OF CONDUCT
Kode Etik Bank Banten merangkum prinsip-prinsip etika Bank Banten's Code of Conduct encapsulates ethical
yang mencerminkan standar perilaku serta harapan principles reflecting the Company's standards of conduct
perusahaan terhadap seluruh Insan Bank (Dewan and expectations of all Bank Personnel (Board of
Komisaris, Direksi, dan Karyawan) dalam mencapai tujuan Commissioners, Board of Directors, and Employees) in
perusahaan. Isi utama dari Kode Etik yang berlaku saat ini achieving the Company's objectives. The main substance
mencakup hal-hal berikut: of the currently applicable Code of Conduct encompasses
the following:
1. Menjunjung tinggi profesionalisme dan moralitas, 1. Upholding professionalism and morality by complying
dengan mematuhi regulasi perusahaan serta peraturan with company regulations and applicable laws and
perundang-undangan yang berlaku, sekaligus regulations, while adhering to the Bank's core values
berpedoman pada nilai utama Bank dan Kode Etik and the Indonesian Banker's Code of Conduct.
Bankir Indonesia.
2. Menjaga hubungan baik antara sesama Insan Bank, 2. Maintaining good relationships among Bank Personnel,
baik dalam konteks kerja sama maupun persaingan, both in the context of cooperation and competition,
baik di lingkungan internal maupun eksternal Bank. within both the internal and external environment of the
Bank.
3. Melindungi kerahasiaan Bank dan jabatan, serta tidak 3. Protecting the confidentiality of the Bank and its
menyalahgunakan informasi untuk kepentingan pribadi, positions, and refraining from misusing information for
sesuai dengan kebijakan Bank dan regulasi yang personal gain, in accordance with the Bank's policies
berlaku. and applicable regulations.
4. Menghindari benturan kepentingan, dengan memastikan 4. Avoiding conflicts of interest by ensuring that personal
bahwa kepentingan pribadi tidak bertentangan dengan interests do not conflict with those of the Bank. In
kepentingan Bank. Jika terjadi konflik kepentingan, the event of a conflict of interest, the interests of the
maka kepentingan perusahaan harus diutamakan. Company must take precedence.
5. Tidak terlibat dalam atau menghindari praktik suap, 5. Refraining from involvement in or avoidance of bribery,
penyimpangan, pelanggaran, serta tindakan fraud yang irregularities, violations, and fraudulent acts that may
dapat menimbulkan kerugian finansial maupun merusak cause financial losses or damage the Bank's reputation.
reputasi Bank.
6. Menjaga keamanan, kesehatan, serta keselamatan 6. Maintaining occupational safety, health, and security,
kerja, termasuk melindungi dan merawat aset milik including protecting and caring for the Bank's assets.
Bank.
7. Melakukan pencatatan data, transaksi, dan laporan 7. Recording data, transactions, and reports honestly and
dengan jujur serta akurat. accurately.
8. Tidak menerima imbalan, hadiah, atau cendera mata 8. Refraining from accepting remuneration, gifts, or
dalam bentuk apa pun yang berkaitan dengan tugas souvenirs in any form in connection with one's duties
dan tanggung jawabnya. and responsibilities.
9. Tidak menerima hadiah, hiburan, atau jamuan dari pihak 9. Refraining from accepting gifts, entertainment, or
lain tanpa memberitahukan terlebih dahulu kepada hospitality from other parties without first notifying one's
atasan, pejabat berwenang, dan/atau unit pengendalian superior, the authorized officer, and/or the gratification
gratifikasi. control unit.
368 Laporan Tahunan & Laporan Keberlanjutan 2025
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10. Menggunakan fasilitas serta identitas Bank (corporate 10. Using the Bank's facilities and corporate identity solely
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
identity) hanya untuk kepentingan usaha Bank dan for the Bank's business purposes, and refraining from
dilarang menyalahgunakannya untuk kepentingan misusing them for personal gain.
pribadi.
PENEGAKAN KODE ETIK ENFORCEMENT OF THE CODE OF CONDUCT
Penerapan dan penegakan Kode Etik Bank Banten dilakukan The implementation and enforcement of Bank Banten's
secara sadar dan berkelanjutan melalui komitmen, sikap, Code of Conduct is carried out consciously and continuously
serta tindakan nyata, yang diwujudkan dalam beberapa through commitment, attitude, and concrete action, as
langkah berikut: manifested in the following steps:
1. Pernyataan Kepatuhan terhadap Kode Etik 1. Declaration of Compliance with the Code of Conduct
Seluruh Insan Bank diwajibkan membaca, memahami, All Bank Personnel are required to read, understand,
serta menandatangani dokumen Pernyataan Kepatuhan and sign the Bank Banten Personnel Declaration of
Insan Bank Banten terhadap Kode Etik. Compliance with the Code of Conduct.
2. Komitmen Manajemen dan Karyawan 2. Management and Employee Commitment
Seluruh jajaran manajemen dan karyawan berkomitmen All levels of management and employees are committed
untuk tidak menerima uang, barang gratifikasi, atau to refraining from accepting money, gratification items,
hadiah yang berkaitan dengan tugas dan kewajibannya. or gifts in connection with their duties and obligations.
Komitmen ini diumumkan melalui media massa serta This commitment is announced through mass media
situs web resmi Bank. and the Bank's official website.
3. Annual Disclosure 3. Annual Disclosure
Setiap Insan Bank diwajibkan menyampaikan Each Bank Personnel member is required to submit
pernyataan tahunan (annual disclosure) terkait potensi an annual disclosure statement regarding potential
benturan kepentingan, sementara setiap unit kerja harus conflicts of interest, while each work unit must report
melaporkan transaksi atau keputusan yang berpotensi transactions or decisions that potentially give rise to
menimbulkan benturan kepentingan setiap tiga bulan conflicts of interest on a quarterly basis.
sekali.
4. Pakta Integritas 4. Integrity Pact
Seluruh anggota Dewan Komisaris, Direksi, dan Pejabat All members of the Board of Commissioners, Board
Eksekutif Bank menandatangani deklarasi anti-fraud of Directors, and Executive Officers of the Bank sign
sebagai bentuk komitmen terhadap integritas. an anti-fraud declaration as a form of commitment to
integrity.
5. Program Kesadaran (Awareness Program) 5. Awareness Program
Sosialisasi mengenai Kode Etik Bank Banten dilakukan Dissemination of Bank Banten's Code of Conduct is
secara berkelanjutan dan konsisten untuk meningkatkan conducted continuously and consistently to enhance the
pemahaman dan kepatuhan seluruh Insan Bank. understanding and compliance of all Bank Personnel.
SANKSI PELANGAGRAN KODE ETIK SANCTIONS FOR VIOLATIONS OF THE CODE OF
CONDUCT
Pelanggaran terhadap Kode Etik Bank Banten dapat dikenai Violations of Bank Banten's Code of Conduct may be
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
sanksi sebagai berikut: subject to the following sanctions:
1. Dewan Komisaris 1. Board of Commissioners
Jika terbukti melanggar Kode Etik, pelanggaran tersebut If a violation of the Code of Conduct is proven, the
akan dilaporkan kepada pemegang saham dalam Rapat violation will be reported to the shareholders at the
Umum Pemegang Saham (RUPS). General Meeting of Shareholders (GMS).
2025 Annual Report & Sustainability Report 369
Page 372
2. Direksi 2. Board of Directors
Jika ada pelanggaran yang dilakukan oleh Direksi, In the event of a violation committed by the Board of
Dewan Komisaris dapat menjatuhkan sanksi berupa Directors, the Board of Commissioners may impose
pemberhentian sementara sesuai dengan ketentuan a sanction in the form of temporary suspension in
yang berlaku. accordance with applicable provisions.
3. Karyawan 3. Employees
• Karyawan yang terbukti melanggar Kode Etik dapat ∙ Employees proven to have violated the Code of
dikenai sanksi sesuai dengan peraturan perusahaan Conduct may be subject to sanctions in accordance
dan perundang-undangan yang berlaku. Dalam with company regulations and applicable laws and
kasus tertentu, pelanggaran dapat berujung pada regulations. In certain cases, violations may result
pemutusan hubungan kerja (PHK) dengan atau in termination of employment, with or without prior
tanpa pemberian surat peringatan sebelumnya. issuance of a warning letter.
• Karyawan yang mengetahui adanya pelanggaran ∙ Employees who are aware of a violation or an
atau upaya pelanggaran terhadap Kode Etik Bank attempted violation of Bank Banten's Code of
Banten tetapi tidak melaporkannya akan dianggap Conduct but fail to report it shall be deemed to have
turut melakukan pelanggaran. Konsekuensinya, participated in the violation. Consequently, they may
mereka dapat dikenai sanksi atau hukuman sesuai be subject to sanctions or penalties in accordance
dengan ketentuan yang berlaku. with applicable provisions.
VISI, MISI, DAN BUDAYA PERUSAHAAN VISION, MISSION, AND CORPORATE
CULTURE
Nilai-nilai budaya perusahaan menjadi pedoman bagi The Company's cultural values serve as a guide for every
setiap pegawai dalam bersikap dan bertindak sehari-hari employee in their daily conduct and actions when carrying
saat menjalankan tugas dan tanggung jawabnya guna out their duties and responsibilities in pursuit of the
mencapai tujuan perusahaan. Keberhasilan Bank Banten Company's objectives. Bank Banten's success in achieving
dalam mencapai target strategis sangat bergantung pada its strategic targets is highly dependent on the support,
dukungan, kontribusi, dan komitmen dari sumber daya contribution, and commitment of a quality and competent
manusia yang berkualitas dan kompeten, yang dapat workforce, which can drive improvements in the Company's
mendorong peningkatan kinerja perusahaan. performance.
VISI BANK BANTEN BANK BANTEN'S VISION
Menjadi Bank yang terbaik dan mitra terpercaya To Be the Best Bank and a Trusted Partner
MISI BANK BANTEN BANK BANTEN'S MISSION
1. Mendukung program pembangunan untuk pertumbuhan 1. Supporting development programs for economic growth
ekonomi dan kemakmuran masyarakat Banten; and the prosperity of the people of Banten.
2. Memberikan layanan perbankan terbaik yang 2. Providing the best banking services that are always
selalu berorientasi kepada kepuasan nasabah dan oriented toward customer satisfaction and continuously
meningkatkan nilai manfaat secara berkesinambungan enhancing value and benefits for all stakeholders.
bagi semua pemangku kepentingan.
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Tabel Nilai Budaya Bank Banten Table of Bank Banten Cultural Values
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Nilai Utama /
Implementasi / Implementation
Core Value
Think Different Memiliki pemikiran dinamis dan adaptif. Berpikir kreatif dan Inovatif berbasis risiko / Possessing dynamic and
adaptive thinking. Thinking creatively and innovatively on a riskbased basis.
Reliable Mampu bekerja profesional dalam menghadapi tantangan secara konsisten / Being capable of working
professionally in consistently facing challenges.
Universe Membangun sinergi positif dengan sesama dan lingkungan sebagai bentuk syukur atas rahmat Tuhan Yang
Maha Esa / Building positive synergy with others and the environment as a form of gratitude for the blessings
of God Almighty.
Sustainable Memberikan manfaat kepada perusahaan, masyarakat dan lingkungan secara berkelanjutan / Providing
benefits to the Company, society, and the environment on a continuous basis.
Track Menyelesaikan setiap pekerjaan secara tuntas tepat waktu dan dapat dipertanggungjawabkan sesuai ketentuan
/ Completing every task thoroughly, on time, and accountably in accordance with applicable provisions.
Penjelasan nilai dan budaya Bank Banten “TRUST”: Explanation of Bank Banten's "TRUST" Values and Culture,
is as follows:
Think Different Think Different
Memiliki pemikiran dinamis dan adaptif Possessing dynamic and adaptive thinking
• Berpikir Kreatif dan Inovatif Berbasis Risiko • Thinking Creatively and Innovatively on a Risk-Based
Basis
• Membangun Karakter Intrapreneur • Building an Intrapreneurial Character
• Mampu Memberikan Solusi Dalam Setiap Keadaan • Being Capable of Providing Solutions in Every Situation
Reliable Reliable
Mampu bekerja profesional dalam menghadapi tantangan Being capable of working professionally in consistently
secara konsisten facing challenges
• Tangguh Kolaboratif dan Proaktif • Resilient, Collaborative, and Proactive
• Kompeten dan Berintegritas • Competent and Possessing Integrity
• Berkomunikasi Secara Terbuka dan Efektif • Communicating Openly and Effectively
Universe Universe
Membangun sinergi positif dengan sesama dan lingkungan Building positive synergy with others and the environment
sebagai bentuk syukur atas rahmat Tuhan Yang Maha Esa as a form of gratitude for the blessings of God Almighty
• Berempati dan Saling Menghargai • Empathetic and Mutually Respectful
• Bersikap Positif dan Peduli Lingkungan • Maintaining a Positive Attitude and Environmental
Awareness
Sustainable Sustainable
Memberikan manfaat kepada perusahaan, masyarakat dan Providing benefits to the Company, society, and the
lingkungan secara berkelanjutan environment on a continuous basis
• Menerapkan Prinsip-Prinsip Tata Kelola Yang Baik • Implementing the Principles of Good Governance
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
• Selalu Memberikan Layanan Terbaik • Consistently Delivering the Best Service
• Berperan Aktif Dalam Aksi Keuangan Berkelanjutan • Playing an Active Role in Sustainable Finance Initiatives
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Track Track
Menyelesaikan setiap pekerjaan secara tuntas tepat waktu Completing every task thoroughly, on time, and accountably
dan dapat dipertanggungjawabkan sesuai ketentuan in accordance with applicable provisions
• Cepat Tepat dan Akurat • Swift, Precise, and Accurate
• Berorientasi Pada Hasil • Results-Oriented
• Patuh Terhadap Ketentuan • Compliant with Applicable Provisions
Secara berkala, Bank Banten secara konsisten On a periodic basis, Bank Banten consistently develops
mengembangkan sumber daya manusia melalui penerapan its human capital through the implementation of corporate
budaya perusahaan dan budaya kerja, termasuk nilai- culture and work culture, including its values, in order to
nilainya, demi mencapai tujuan strategis yang selaras achieve strategic objectives aligned with the Company's
dengan visi dan misi perusahaan. Upaya ini dilakukan untuk vision and mission. These efforts are undertaken to produce
menghasilkan Karyawan yang memiliki kompetensi tinggi, employees who possess high competency, integrity, and a
berintegritas, dan berorientasi pada kepuasan nasabah customer satisfaction orientation, playing an important role
berperan penting dalam menjaga loyalitas pelanggan. in maintaining customer loyalty.
PENGENDALIAN GRATIFIKASI KEBIJAKAN GRATUITY CONTROL, GRATUITY AND
GRATIFIKASI DAN ANTI SUAP ANTI-BRIBERY POLICY
Dalam rangka menerapkan prinsip Tata Kelola Perusahaan In the context of implementing the principles of Good
yang Baik serta Kode Etik di Bank Banten, dilakukan Corporate Governance and the Code of Conduct at Bank
berbagai upaya, termasuk penerapan sistem Pengendalian Banten, various measures have been undertaken, including
Gratifikasi dan Sistem Manajemen Anti Penyuapan (SMAP). the implementation of a Gratuity Control system and the
Anti-Bribery Management System (SMAP).
Pengendalian gratifikasi bertujuan untuk menanamkan Gratuity control aims to instill good governance values
nilai-nilai tata kelola yang baik dan menanamkan integritas and integrity in all Employees, so that in carrying out daily
kepada seluruh Pegawai, sehingga dalam menjalankan business activities with customers, third parties/vendors,
aktivitas bisnis sehari-hari dengan nasabah, pihak ketiga/ partners, and other stakeholders, employees are able to act
vendor, mitra, serta pemangku kepentingan lainnya, ethically, with mutual trust, and responsibly. Through this
pegawai dapat bertindak secara etis, saling percaya, dan gratuity control, it is expected that business interests can be
bertanggung jawab. Melalui pengendalian gratifikasi ini, conducted professionally and ethically without violating the
diharapkan kepentingan bisnis dapat berjalan dengan provisions governing the prohibition of gratuities.
profesional dan beretika tanpa melanggar ketentuan yang
mengatur larangan gratifikasi.
Sebagai bentuk komitmen dalam menerapkan pengendalian As a form of commitment to implementing gratuity control,
gratifikasi, Bank Banten telah melakukan beberapa langkah, Bank Banten has taken a number of steps, including:
antara lain:
1. Membentuk Unit Pengendali Gratifikasi (UPG) di bawah 1. Establishing a Gratuity Control Unit (UPG) under the
Divisi Kepatuhan yang bertanggung jawab sebagai Compliance Division, which is responsible as the
koordinator dalam penerapan kebijakan pengendalian coordinator in the implementation of the gratuity control
gratifikasi. policy.
2. Menetapkan Standar Operasional Prosedur (SOP) 2. Establishing the Standard Operating Procedure (SOP)
Pengendalian Gratifikasi melalui Surat Keputusan for Gratuity Control through Board of Directors' Decree
Direksi No. 046/SK/DIRBB/III/2022 pada 29 Maret No. 046/SK/DIR-BB/III/2022 on March 29, 2023, which
2023, yang mengatur larangan penerimaan gratifikasi governs the prohibition on the receipt of gratuities by all
bagi seluruh pegawai. employees.
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3. Menyelenggarakan pelatihan dan sosialisasi secara 3. Conducting periodic training and socialization to all
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
berkala kepada seluruh pegawai guna meningkatkan employees to enhance understanding and awareness
pemahaman dan kesadaran mengenai program of the gratuity control program.
pengendalian gratifikasi.
4. Pernyataan pakta integritas dari seluruh jajaran Bank 4. Integrity pact declarations from all levels of Bank
Banten terhadap anti gratifikasi dan berlaku juga kepada Banten against gratuities, which also apply to third-party
rekanan pihak ketiga/vendor dan mitra Bank. partners/vendors and the Bank's partners.
5. Penyebaran pesan pengendalian gratifikasi kepada 5. Dissemination of gratuity control messages to both
pihak internal Bank Banten maupun pihak eksternal internal and external parties of Bank Banten through
Bank Banten melalui media sosial ataupun melalui social media or through Branch Offices, advising against
Kantor Cabang untuk tidak memberikan bingkisan pada the giving of gifts during religious holidays and the new
hari raya keagamaan dan tahun baru. year.
Bank Banten telah menerapkan Sistem Manajemen Anti Bank Banten has implemented the Anti-Bribery Management
Penyuapan (SMAP) sesuai standar ISO 37001:2016. Bank System (SMAP) in accordance with the ISO 37001:2016
telah mengimplementasikan melalui antara lain: standard. The Bank has implemented this through, among
other things:
1. Membentuk Fungsi Kepatuhan Anti Penyuapan (FKAP) 1. Establishing the Anti-Bribery Compliance Function
sebagai organ Sistem Manajemen Anti Penyuapan (FKAP) as an organ of the Anti-Bribery Management
(SMAP) yang dibentuk untuk melakukan pengawasan System (SMAP), formed to independently oversee
terhadap penerapan Sistem Manajemen Anti Penyuapan the implementation of the Anti-Bribery Management
secara independen. System.
2. Kebijakan Sistem Manajemen Anti Penyuapan, telah 2. The Anti-Bribery Management System Policy,
ditetapkan melalui Surat Keputusan Direksi No.933/ established through Board of Directors' Decree No.
SK/DIR-BB/XI/2023 tanggal 29 November 2023 933/SK/DIR-BB/XI/2023 dated November 29, 2023,
yang mengatur penerapan sistem manajemen anti which governs the implementation of the anti-bribery
penyuapan. management system.
3. Melakukan pelatihan/sosialisasi atas Program Sistem 3. Conducting ongoing training/socialization on the Anti-
Manajemen Anti Penyuapan secara berkelanjutan Bribery Management System Program to all Employees
kepada seluruh Pegawai untuk meningkatkan to enhance anti-bribery awareness.
awareness terhadap anti penyuapan. 4. Obtaining the ISO 37001:2016 certificate on June 29,
4. Mendapatkan sertifikat ISO 37001-2016 pada tanggal 2022, covering the scope of Procurement of Goods and
29 Juni 2022 pada ruang lingkup Pengadaan Barang Services, with recertification to be continuously renewed
dan Jasa, yang akan terus dilakukan pembaharuan in 2025. The obtainment of this certificate demonstrates
sertifikasi pada tahun 2025. Atas diperolehnya sertifikat the effective management of the gratuity control system,
tersebut menunjukkan telah terkelolanya dengan baik anti-bribery, and whistleblowing system at Bank Banten
sistem pengendalian gratifikasi, suap (anti-bribery) dan in accordance with the international standards and
whistleblowing system di Bank Banten sesuai dengan practices established by ISO.
standar dan praktik di dunia Internasional yang telah
ditetapkan oleh ISO.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
PELAPORAN PELANGGARAN WHISTLEBLOWING SYSTEM
Bank Banten menerapkan prinsip kehati-hatian serta sistem Bank Banten applies the principles of prudence and an
pengendalian internal guna mencegah potensi pelanggaran internal control system to prevent potential violations or
atau kecurangan (fraud) yang dapat merugikan perusahaan. fraud that may be detrimental to the Company. However,
Namun, meskipun berbagai langkah pencegahan telah despite the various preventive measures that have been
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diterapkan, risiko terjadinya pelanggaran atau fraud implemented, the risk of violations or fraud remains. These
tetap ada. Upaya ini dilakukan untuk mengetahui indikasi efforts are undertaken to detect indications of fraud and
kecurangan dan melaporkannya kepada perusahaan report them to the Company as part of the support for the
sebagai bagian dari upaya mendukung kebijakan anti-fraud. anti-fraud policy.
Dalam hal ini, Bank Banten telah memiliki sistem pelaporan In this regard, Bank Banten has established a confidential
yang bersifat rahasia, independen, serta dilengkapi dengan and independent reporting system equipped with a
mekanisme perlindungan melalui Whistleblowing System protection mechanism through the Whistleblowing System
(WBS). WBS berfungsi untuk: (WBS). The WBS functions to:
1. Mendorong keberanian pegawai dalam melaporkan 1. Encourage employees to come forward in reporting
dugaan pelanggaran. suspected violations.
2. Mempermudah pihak terkait dalam menangani laporan 2. Facilitate relevant parties in handling violation reports.
pelanggaran.
3. Meminimalkan potensi kerugian, memperkuat sistem 3. Minimize potential losses, strengthen the internal control
pengendalian internal, serta meningkatkan reputasi system, and enhance the Bank's reputation in the eyes
Bank di mata para pemangku kepentingan. of its stakeholders.
4. Menciptakan lingkungan kerja yang lebih transparan, 4. Create a more transparent, clean, and conducive
bersih, dan kondusif. working environment.
Pihak Pengelola WBS WBS Management
Dalam penerapan sistem Whistleblowing (WBS), Perseroan In the implementation of the Whistleblowing System (WBS),
telah menyusun Pedoman Whistleblowing dan membentuk the Company has formulated a Whistleblowing Guidelines
tim pengelola WBS yang menjalankan prinsip-prinsip and established a WBS management team that operates on
berikut: the following principles:
1. Menjaga kerahasiaan informasi dan identitas pelapor. 1. Maintaining the confidentiality of information and the
identity of the whistleblower.
2. Memberikan perlindungan kepada pelapor dari segala 2. Providing protection to the whistleblower from all forms
bentuk intimidasi atau ancaman. of intimidation or threats.
3. Mengelola serta menindaklanjuti laporan dugaan 3. Managing and following up on reports of suspected
pelanggaran atau indikasi kecurangan melalui koordinasi violations or indications of fraud through coordination
antara Pengelola WBS dan Kepala Divisi Audit Internal. between the WBS Management and the Head of the
Internal Audit Division.
Mekanisme Pelaporan Pelanggaran Whistleblowing Reporting Mechanism
Laporan pelanggaran dapat disampaikan melalui beberapa Violation reports may be submitted through the following
saluran berikut: channels:
a. Email yang ditujukan ke antifraud@bankbanten.co.id a. Email addressed to antifraud@bankbanten.co.id with a
dengan tembusan ke direksi@bankbanten.co.id. copy to direksi@bankbanten.co.id.
b. Website resmi Bank Banten (www.bankbanten.co.id) b. Bank Banten's official website (www.bankbanten.co.id)
melalui menu Whistleblowing System. through the Whistleblowing System menu.
Tindak Lanjut Terhadap Laporan Pelanggaran Follow-Up on Violation Reports
Setiap laporan yang diterima oleh pengelola WBS akan Every report received by the WBS management will be
ditindaklanjuti dengan investigasi. Keakuratan informasi dari followed up with an investigation. The accuracy of information
pelapor akan diverifikasi, dan jika terbukti benar, laporan provided by the whistleblower will be verified, and if proven
tersebut dapat menjadi faktor tambahan dalam penilaian to be true, the report may serve as an additional factor in
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kinerja pegawai. Bahkan, pegawai yang berkontribusi the employee's performance assessment. Furthermore,
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
dalam pengungkapan pelanggaran berhak menerima employees who contribute to the disclosure of violations are
penghargaan sesuai dengan ketentuan yang berlaku. entitled to receive recognition in accordance with applicable
provisions.
Jika investigasi menunjukkan adanya indikasi kuat terhadap If the investigation reveals strong indications of a violation
pelanggaran atau fraud, kasus tersebut akan dibahas dalam or fraud, the case will be discussed at a Disciplinary
rapat Komite Disiplin guna menentukan sanksi bagi pegawai Committee meeting to determine the appropriate sanctions
yang terbukti melakukan pelanggaran. Untuk menjaga for employees proven to have committed violations. To
objektivitas, setiap pemberian sanksi tetap berpedoman maintain objectivity, the imposition of any sanction shall
pada peraturan internal perusahaan. Selain itu, perusahaan remain guided by the Company's internal regulations. In
juga akan melaporkan kasus fraud kepada Otoritas Jasa addition, the Company will also report fraud cases to the
Keuangan (OJK) sesuai ketentuan yang berlaku. Sejalan Financial Services Authority (OJK) in accordance with
dengan hal ini, Perseroan akan terus melakukan evaluasi applicable provisions. In line with this, the Company will
dan perbaikan terhadap sistem dan kebijakan yang continue to evaluate and improve the systems and policies
diterapkan, khususnya dalam aspek pengendalian internal. implemented, particularly in the aspect of internal controls.
Perlindungan Pelapor Whistleblower Protection
Bank Banten menjamin perlindungan kepada pelapor. Bank Banten guarantees protection for whistleblowers. This
Langkah ini dilakukan untuk menciptakan keamanan dan is undertaken to create a sense of security and comfort for
kenyamanan kepada pelapor. Selain itu, Perusahaan telah whistleblowers. In addition, the Company has established
menetapkan kebijakan untuk mengurangi risiko terjadinya policies to reduce the risk of irregularities that may be
penyimpangan yang dapat merugikan perusahaan, di detrimental to the Company, including:
antaranya:
1. Pegawai diwajibkan menyampaikan informasi yang 1. Employees are required to submit information supported
didukung dengan bukti yang relevan, di mana by relevant evidence, whereby Management will follow
Manajemen akan menindaklanjutinya serta menjamin up on such information and guarantee the confidentiality
kerahasiaan identitas pelapor. of the whistleblower's identity.
2. Pelapor tidak akan dikenakan sanksi atas kekeliruan 2. The whistleblower shall not be subject to sanctions for
dalam penyampaian informasi. any inaccuracies in the submission of information.
3. Pegawai yang menyembunyikan informasi terkait 3. Employees who conceal information relating to
dugaan kecurangan akan dikenai sanksi sesuai dengan suspected fraud will be subject to sanctions in
ketentuan yang berlaku. accordance with applicable provisions.
4. Pelaku kecurangan (fraud) akan dikenakan sanksi 4. Perpetrators of fraud will be subject to sanctions in
berdasarkan peraturan perusahaan. accordance with company regulations.
5. Penerapan tindakan hukum sesuai dengan ketentuan 5. Application of legal measures in accordance with
yang berlaku (Law Enforcement). applicable provisions (Law Enforcement).
Sanksi Laporan Pelanggaran Sanctions for Violation Reports
Di tahun 2025, Bank Banten tidak memiliki laporan In 2025, Bank Banten had no violation reports occurring
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
pelanggan yang terjadi di lingkungan Perusahaan. within the Company's environment.
KEBIJAKAN PERLINDUNGAN NASABAH CUSTOMER PROTECTION POLICY
Dalam rangka memenuhi ketentuan otoritas terkait In order to comply with the requirements of the relevant
perlindungan konsumen, Perseroan menerapkan Kebijakan authorities regarding consumer protection, the Company
Pelayanan dan Penyelesaian Pengaduan Nasabah serta implements a Customer Service and Complaint Resolution
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Prosedur Pelayanan dan Penyelesaian Pengaduan Policy as well as Customer Service and Complaint
Nasabah. Dengan meningkatnya literasi perbankan Resolution Procedures. With the increasing level of banking
di masyarakat dan kemudahan dalam mengajukan literacy among the public and the ease of submitting
pengaduan, Bank Banten terus menyempurnakan sistem complaints, Bank Banten continuously refines its complaint
pengaduannya agar setiap keluhan yang diterima dapat system to ensure that every complaint received can be
dimonitor dan diselesaikan secara efektif serta sesuai monitored and resolved effectively and in accordance with
dengan regulasi otoritas terkait. the relevant regulatory requirements.
Pengawasan terhadap proses penyelesaian pengaduan Oversight of the complaint resolution process is carried out
dilakukan oleh unit kerja terkait dan dilaporkan secara by the relevant work units and reported periodically to the
berkala kepada Direksi agar perkembangan setiap Board of Directors so that the progress of each complaint can
pengaduan dapat terpantau. Selain itu, Perseroan secara be monitored. In addition, the Company regularly submits
rutin menyampaikan laporan triwulanan kepada Otoritas quarterly reports to the Financial Services Authority (OJK)
Jasa Keuangan (OJK) dan Bank Indonesia sesuai dengan and Bank Indonesia in accordance with the established
tenggat waktu yang ditetapkan. Bank juga berkomitmen deadlines. The Bank is also committed to resolving
untuk menyelesaikan pengaduan nasabah dalam jangka customer complaints within the timeframes stipulated by the
waktu yang telah ditentukan oleh otoritas, serta secara authorities, and is progressively making adjustments to its
bertahap melakukan penyesuaian terhadap sarana dan facilities and infrastructure to support consumer protection
prasarana guna mendukung perlindungan konsumen in accordance with applicable regulations.
sesuai dengan regulasi yang berlaku.
Sebagai bagian dari upaya meningkatkan kualitas layanan As part of its efforts to improve service quality and provide
dan memberikan kemudahan akses bagi nasabah, ease of access for customers, the Company provides the
Perseroan menyediakan layanan: following services:
Call Center:
1500-410
Layanan ini berfungsi sebagai sarana informasi, konsultasi, This service functions as a means of information,
serta penyelesaian masalah bagi nasabah maupun calon consultation, and problem resolution for both existing and
nasabah. Call Center beroperasi selama 24 jam sehari, 7 prospective customers. The Call Center operates 24 hours
hari seminggu, memastikan bahwa setiap nasabah dapat a day, 7 days a week, ensuring that every customer can
memperoleh layanan yang cepat dan responsif kapan saja. obtain prompt and responsive service at any time.
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KEBIJAKAN INSIDER TRADING INSIDER TRADING POLICY
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Bank Banten belum memiliki kebijakan terhadap Insider Bank Banten does not yet have a specific policy on Insider
Trading, Lebih lanjut, Perusahaan tidak memiliki kebijakan Trading. Furthermore, the Company does not have a
spesifik dan/atau tersendiri terkait dengan kegiatan Insider specific and/or separate policy relating to Insider Trading
Trading, namun dalam implementasinya Bank Banten activities; however, in its implementation, Bank Banten
mengacu pada Undang-Undang Nomor 8 Tahun 1995 refers to Law No. 8 of 1995 on Capital Markets, Financial
tentang Pasar Modal, Peraturan Otoritas Jasa Keuangan Services Authority Regulation No. 78/POJK.04/2017 on
Nomor 78/POJK.04/2017 tentang Transaksi Efek yang Securities Transactions Not Prohibited for Insiders, and
Tidak Dilarang Bagi Orang Dalam serta Surat Keputusan Board of Directors' Decree No. 095/SK/Dir-BB/VII/2019 on
Direksi Nomor 095/SK/Dir-BB/VII/2019 tentang Menjaga Maintaining Bank Secrecy and Company Documents.
Rahasia Bank dan Dokumen Perusahaan.
KEBIJAKAN PENGADAAN BARANG DAN PROCUREMENT OF GOODS AND
JASA SERVICES POLICY
Bank Banten telah memiliki SOP Pengadaan Barang dan Bank Banten has established a Standard Operating
Jasa berdasarkan SK Direksi No. No.1094/SK/ DIR-BB/ Procedure (SOP) for the Procurement of Goods and
VII/2024. Dalam kebijakan tersebut memuat hal-hal sebagai Services pursuant to Board of Directors' Decree No. 1094/
berikut: SK/DIR-BB/VII/2024. The policy contains the following
matters:
1. Pendahuluan. 1. Introduction.
2. Organisasi dan Kewenangan. 2. Organization and Authority.
3. Ketentuan Pengadaan. 3. Procurement Provisions.
4. Prosedur Pengadaan. 4. Procurement Procedures.
5. Pengendalian dan Pengawasan. 5. Control and Supervision.
KEBIJAKAN PEMENUHAN HAK-HAK CREDITOR RIGHTS FULFILLMENT POLICY
KREDITUR
Bank Banten telah memiliki Kebijakan Perkreditan Bank Bank Banten has established a Bank Credit Policy pursuant
yang ditetapkan berdasarkan SK Direksi No.008/ SK/ to Board of Directors' Decree No. 008/SK/DIR-BB/I/2022.
DIRBB/I/2022. Dalam kebijakan tersebut memuat informasi The policy contains information on the fulfillment of creditor
mengenai pemenuhan hak-hak kredit. rights.
Pemenuhan atas hak-hak kreditur, meliputi: The fulfillment of creditor rights encompasses:
1. Konsep Hubungan Total Pemohon Kredit. 1. Concept of Total Relationship of Credit Applicants.
2. Penetapan Batas Wewenang Persetujuan Kredit. 2. Establishment of Credit Approval Authority Limits.
3. Tanggung Jawab Pemutus Kredit. 3. Responsibilities of Credit Decision Makers.
4. Proses Persetujuan Kredit 4. Credit Approval Process.
5. Rekomendasi Persetujuan Kredit. 5. Credit Approval Recommendations.
6. Putusan Kredit. 6. Credit Decisions.
7. Perjanjian Kredit. 7. Credit Agreements.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
8. Pencairan Kredit. 8. Credit Disbursement.
9. Pemantauan Pasca Pencairan Kredit. 9. Post-Disbursement Credit Monitoring.
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PENERAPAN PEDOMAN TATA KELOLA IMPLEMENTATION OF CORPORATE
PERUSAHAAN GOVERNANCE GUIDELINES
Bank Banten senantiasa mengedepankan penerapan Bank Banten consistently upholds the implementation of
pedoman tata kelola Perusahaan Terbuka sesuai dengan the Public Company corporate governance guidelines in
ketentuan yang diatur dalam Surat Edaran No. 32/ accordance with the provisions set out in Circular Letter
SEOJK.04/2015 tentang Penerapan Tata Kelola Terbuka. No. 32/SEOJK.04/2015 on the Implementation of Public
Pelaksanaan pedoman tata kelola Perusahaan Terbuka Company Governance. The implementation of the Public
adalah sebagai berikut: Company corporate governance guidelines is as follows:
Tabel Penerapan Pedoman Tata Kelola Perusahaan Table of Implementation of Public Company Corporate
Terbuka Governance Guidelines
Prinsip / Principle Rekomendasi / Recommendation Penerapan / Implementation
Aspek A: Hubungan Perusahaan Terbuka dengan Pemegang Saham Dalam Menjamin Hak-Hak Pemegang Saham / Aspect A:
Relationship of the Public Company with Shareholders in Ensuring Shareholders’ Rights
Prinsip 1: Perusahaan Terbuka memiliki cara Terpenuhi,
Meningkatkan nilai atau prosedur teknis pengumpulan Bank Banten mempunyai prosedur terkait
penyelenggaraan Rapat Umum suara (voting) baik secara terbuka pengambilan suara dalam pengambilan keputusan
Pemegang Saham. / Principle maupun tertutup yang mengedepankan atas suatu mata acara RUPS. / Fulfilled. Bank
1: Enhancing the quality of the independensi, dan kepentingan Banten has procedures relating to voting in
convention of the General Meeting pemegang saham. / The Public Company decision-making on agenda items at the GMS.
of Shareholders. has a technical method or procedure for
vote collection (voting), both open and
closed, that upholds independence and
the interests of shareholders.
Seluruh anggota Direksi dan anggota Terpenuhi,
Dewan Komisaris Perusahaan Terbuka Seluruh anggota Dewan Komisaris dan anggota
hadir dalam RUPS Tahunan. / All members Direksi yang telah mendapatkan persetujuan
of the Board of Directors and Board of dari Otoritas Jasa Keuangan atas penilaian
Commissioners of the Public Company kemampuan dan kepatuhan telah hadir dalam
are present at the Annual GMS. RUPS Tahunan pada Tahun Buku 2025. / Fulfilled.
All members of the Board of Commissioners and
Board of Directors who have obtained approval
from the Financial Services Authority upon the
fit and proper assessment were present at the
Annual GMS for Fiscal Year 2025.
Ringkasan risalah RUPS tersedia Terpenuhi,
dalam Situs Web Perusahaan Terbuka Mengenai ringkasan risalah RUPS telah dimuat
paling sedikit selama 1 (satu) tahun. / dalam Situs Website. / Fulfilled. The summary
The summary minutes of the GMS are minutes of the GMS have been published on the
available on the Public Company’s website website.
for at least 1 (one) year.
Prinsip 2: Perusahaan Terbuka memiliki suatu Terpenuhi,
Meningkatkan kualitas komunikasi kebijakan komunikasi dengan pemegang Bank Banten telah membuat laporan berkala,
Perusahaan Terbuka dengan saham atau investor. / The Public keterbukaan informasi, kondisi atau prospek
Pemegang Saham atau Investor. / Company has a communication policy bisnis dan kinerja, serta pelaksanaan tata kelola
Principle 2: Improving the quality of with shareholders or investors. Perusahaan Terbuka. / Fulfilled. Bank Banten has
communication of the Public Company prepared periodic reports, information disclosures,
with Shareholders or Investors. business conditions or prospects and performance,
as well as the implementation of Public Company
governance.
Perusahaan Terbuka mengungkapkan Terpenuhi,
kebijakan komunikasi Perusahaan Bank Banten telah mencantumkan saluran-
Terbuka dengan pemegang saham atau saluran yang dapat digunakan dalam komunikasi
investor dalam Situs Web / The Public perusahaan pada situs web. / Fulfilled. Bank
Company discloses its communication Banten has included the channels available for
policy with shareholders or investors on its corporate communication on its website.
website.
378 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 381
Prinsip / Principle Rekomendasi / Recommendation Penerapan / Implementation
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Aspek B: Fungsi dan Peran Dewan Komisaris / Aspect B: Functions and Roles of the Board of Commissioners
Prinsip 3: Penentuan jumlah anggota Dewan Terpenuhi,
Memperkuat keanggotaan dan Komisaris mempertimbangkan kondisi Saat ini Bank memiliki jumlah anggota Dewan
Komposisi Dewan Komisaris. / Perusahaan Terbuka. / The determination Komisaris sebanyak 3 (tiga) orang terdiri dari 1
Principle 3: Strengthening the of the number of members of the Board (satu) orang komisaris independen dan 1 (satu)
membership and composition of of Commissioners takes into account the orang komisaris non independen. / Fulfilled. The
the Board of Commissioners. conditions of the Public Company. Bank currently has 3 (three) members of the
Board of Commissioners, consisting of 1 (one)
Independent Commissioner and 1 (one) Non-
Independent Commissioner.
Penentuan komposisi anggota Dewan Terpenuhi,
Komisaris memperhatikan keberagaman Komposisi anggota Dewan Komisaris telah sesuai
keahlian, pengetahuan, dan pengalaman dengan kebutuhan Perseroan. / Fulfilled. The
yang dibutuhkan. / The determination composition of the Board of Commissioners is in
of the composition of the Board of accordance with the needs of the Company.
Commissioners takes into account the
diversity of expertise, knowledge, and
experience required.
Prinsip 4: Dewan Komisaris mempunyai kebijakan Terpenuhi,
Meningkatkan kualitas pelaksanaan penilaian sendiri (self-assessment) Kebijakan Evaluasi Kinerja Dewan Komisaris
tugas dan tanggung jawab Dewan untuk menilai kinerja Dewan Komisaris. Tercantum Dalam SOP Tata Tertib Kerja Komite
Komisaris. / Principle 4: Improving / The Board of Commissioners has Nominasi dan Remunerasi yaitu (SK No. 009/
the quality of the implementation a self-assessment policy to evaluate SK/KOM-BB/X/2024). / Fulfilled. The Board of
of the duties and responsibilities of the performance of the Board of Commissioners’ Performance Evaluation Policy
the Board of Commissioners. Commissioners. is set out in the SOP on the Rules of Procedure
of the Nomination and Remuneration Committee
(Decree No. 009/SK/KOM-BB/X/2024).
Kebijakan penilaian sendiri (self- Terpenuhi,
assessment) untuk menilai kinerja Dewan Dewan Komisaris telah memiliki kebijakan
Komisaris, diungkapkan melalui Laporan mengenai penilaian kinerja. / Fulfilled. The Board
Tahunan Perusahaan Terbuka. / The of Commissioners has a policy on performance
self-assessment policy for evaluating assessment.
the performance of the Board of
Commissioners is disclosed through the
Annual Report of the Public Company.
Dewan Komisaris mempunyai kebijakan Terpenuhi,
terkait pengunduran diri anggota Dewan Sesuai dengan SOP Nominasi Dewan Komisaris
Komisaris apabila terlibat dalam kejahatan dan Direksi (SK Direksi No. 024/SK/ DIR-BB/
keuangan. / The Board of Commissioners II/2023) / Fulfilled. In accordance with the SOP on
has a policy relating to the resignation of Nomination of the Board of Commissioners and
members of the Board of Commissioners Board of Directors (Board of Directors’ Decree No.
in the event of involvement in financial 024/SK/DIR-BB/II/2023).
crimes.
Dewan Komisaris atau Komite yang Terpenuhi,
menjalankan fungsi Nominasi dan Pelaksanaan sesuai dengan SOP Nominasi
Remunerasi menyusun kebijakan suksesi Dewan Komisaris dan Direksi (SK Direksi No. 024/
dalam proses Nominasi anggota Direksi. SK/ DIR-BB/II/2023). / Fulfilled. Implementation is
/ The Board of Commissioners or the in accordance with the SOP on Nomination of the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Committee performing the Nomination Board of Commissioners and Board of Directors
and Remuneration function formulates (Board of Directors’ Decree No. 024/SK/DIR-BB/
a succession policy in the Nomination II/2023).
process for members of the Board of
Directors.
2025 Annual Report & Sustainability Report 379
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Prinsip / Principle Rekomendasi / Recommendation Penerapan / Implementation
Aspek C: Fungsi Dan Peran Direksi / Aspect C: Functions and Roles of the Board of Directors
Prinsip 5: Penentuan jumlah anggota Direksi Terpenuhi,
Memperkuat keanggotaan dan mempertimbangkan kondisi Jumlah anggota Direksi saat ini telah terpenuhi
Komposisi Direksi. / Principle 5: Perusahaan Terbuka serta efektivitas yaitu berjumlah 4 orang terdiri dari Direktur Utama,
Strengthening the membership dalam pengambilan keputusan. / The Direktur Bisnis, Direktur Operasional dan Direktur
and composition of the Board of determination of the number of members Kepatuhan. / Fulfilled. The current number of
Directors. of the Board of Directors takes into account Board of Directors members has been fulfilled,
the conditions of the Public Company and totaling 4 persons, consisting of the President
the effectiveness of decision-making. Director, Business Director, Operations Director,
and Compliance Director.
Penentuan komposisi anggota Direksi Terpenuhi,
memperhatikan, keberagaman keahlian, Komposisi anggota Direksi telah memenuhi
pengetahuan, dan pengalaman yang kebutuhan Bank Banten. / Fulfilled. The
dibutuhkan. / The determination of the composition of the Board of Directors meets the
composition of the Board of Directors takes needs of Bank Banten.
into account the diversity of expertise,
knowledge, and experience required.
Anggota Direksi yang membawahi Terpenuhi,
bidang akuntansi atau keuangan memiliki Bank Banten memiliki Direktur dengan keahlian
keahlian dan/atau pengetahuan di bidang tersebut. / Fulfilled. Bank Banten has a Director
akuntansi. / The member of the Board of with such expertise.
Directors overseeing the field of accounting
or finance possesses expertise and/or
knowledge in the field of accounting.
Prinsip 6: Direksi mempunyai kebijakan penilaian Terpenuhi,
Meningkatkan pelaksanaan tugas sendiri (self-assessment) untuk menilai Bank Banten telah memiliki Kebijakan Penilaian
dan tanggung jawab Direksi. kinerja Direksi. / The Board of Directors Sendiri (self-assessment) Kinerja Direksi yaitu
/ Principle 6: Improving the has a self-assessment policy to evaluate SK No. 035/SK/DIR-BB/III/2018 tanggal 20
implementation of the duties and the performance of the Board of Directors. Maret 2018 / Fulfilled. Bank Banten has a Self-
responsibilities of the Board of Assessment Policy for the Performance of the
Directors. Board of Directors, namely Decree No. 035/SK/
DIR-BB/III/2018 dated March 20, 2018.
Kebijakan penilaian sendiri (self- Terpenuhi,
assessment) untuk menilai kinerja Direksi telah memiliki kebijakan mengenai
Direksi diungkapkan melalui laporan penilaian kinerja. / Fulfilled. The Board of Directors
tahunan Perusahaan Terbuka. / The has a policy on performance assessment.
self-assessment policy for evaluating the
performance of the Board of Directors is
disclosed through the Annual Report of
the Public Company.
Direksi mempunyai kebijakan terkait Terpenuhi,
pengunduran diri anggota Direksi apabila Sesuai dengan Pedoman Dan Tata Tertib Kerja
terlibat dalam kejahatan keuangan. / The Direksi No.2007/SK/DIR-BB/XI/2024 dan SOP
Board of Directors has a policy relating to Nominasi Dewan Komisaris dan Direksi, yaitu SK
the resignation of members of the Board Direksi No. 024/SK/DIR-BB/II/2023. / The Board of
of Directors in the event of involvement in Directors has a policy relating to the resignation of
financial crimes. members of the Board of Directors in the event of
involvement in financial crimes.
380 Laporan Tahunan & Laporan Keberlanjutan 2025
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Prinsip / Principle Rekomendasi / Recommendation Penerapan / Implementation
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Prinsip 7 Perusahaan Terbuka memiliki kebijakan Tidak terpenuhi,
Meningkatkan aspek tata kelola untuk mencegah terjadinya insider trading. Tidak memiliki kebijakan terhadap Insider Trading,
Perusahaan melalui partisipasi / The Public Company has a policy to Perseroan tidak memiliki kebijakan spesifik dan/
pemangku kepentingan. / Principle prevent insider trading. atau tersendiri terkait dengan kegiatan Insider
7: Enhancing corporate governance Trading, namun terkait hal tersebut Perseroan
aspects through stakeholder mengacu pada Undang-Undang Nomor 8 Tahun
participation. 1995 tentang Pasar Modal, Peraturan Otoritas
Jasa Keuangan Nomor 78/POJK.04/2017 tentang
Transaksi Efek yang Tidak Dilarang Bagi Orang
Dalam serta Surat Keputusan Direksi Nomor 095/
SK/ Dir-BB/VII/2019 tentang Menjaga Rahasia
Bank dan Dokumen Perusahaan. / Not Fulfilled.
The Company does not have a specific and/
or separate policy relating to Insider Trading
activities; however, the Company refers to Law No.
8 of 1995 on Capital Markets, Financial Services
Authority Regulation No. 78/POJK.04/2017 on
Securities Transactions Not Prohibited for Insiders,
and Board of Directors’ Decree No. 095/SK/Dir-
BB/VII/2019 on Maintaining Bank Secrecy and
Company Documents.
Perusahaan Terbuka memiliki kebijakan Terpenuhi,
anti korupsi dan anti fraud. / The Public Bank Banten telah memiliki Kebijakan Penerapan
Company has an anti-corruption and anti- Strategi Anti Fraud berdasarkan SK Direksi No.
fraud policy. 1134/SK/DIR-BB/X/2024 dan Kebijakan Sistem
Manajemen Anti Penyuapan, yaitu SK Direksi No.
933/SK/DIR-BB/XI/2023. / Fulfilled. Bank Banten
has an Anti-Fraud Strategy Implementation
Policy pursuant to Board of Directors’ Decree
No. 1134/SK/DIR-BB/X/2024 and an Anti-Bribery
Management System Policy, namely Board of
Directors’ Decree No. 933/SK/DIR-BB/XI/2023.
Perusahaan Terbuka memiliki kebijakan Terpenuhi,
tentang seleksi dan peningkatan Bank Banten telah memiliki SOP Pengadaan
kemampuan pemasok atau vendor. / Barang dan Jasa, yaitu SK Direksi No. No.1094/
The Public Company has a policy on the SK/ DIR-BB/VII/2024 dan Kebijakan Sistem
selection and capacity enhancement of Manajemen Anti Penyuapan, yaitu SK Direksi
suppliers or vendors. No. 933/SK/DIR-BB/ XI/2023. / Fulfilled. Bank
Banten has a Procurement of Goods and Services
SOP, namely Board of Directors’ Decree No.
1094/SK/DIR-BB/VII/2024, and an Anti-Bribery
Management System Policy, namely Board of
Directors’ Decree No. 933/SK/DIR-BB/XI/2023.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 381
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Prinsip / Principle Rekomendasi / Recommendation Penerapan / Implementation
Perusahaan Terbuka memiliki kebijakan Terpenuhi,
tentang pemenuhan hak- hak kreditur. / Bank Banten telah memiliki Kebijakan Perkreditan
The Public Company has a policy on the Bank, berdasarkan SK Direksi No.008/ SK/
fulfillment of creditors’ rights. DIRBB/I/2022 di dalamnya memuat informasi
mengenai pemenuhan hak-hak kreditur. / Fulfilled.
Bank Banten has a Bank Credit Policy pursuant
to Board of Directors’ Decree No. 008/SK/DIR-
BB/I/2022, which contains information on the
fulfillment of creditors’ rights.
Perusahaan Terbuka memiliki kebijakan Terpenuhi, Bank Banten telah memiliki SOP
sistem whistleblowing. / The Public Whistleblowing dengan SK Direksi No. 601/ SK/
Company has a whistleblowing system DIR-BB/IX/2023. / Fulfilled. Bank Banten has a
policy. Whistleblowing System SOP pursuant to Board of
Directors’ Decree No. 601/SK/DIR-BB/IX/2023.
Perusahaan Terbuka memiliki kebijakan Terpenuhi, Bank Banten telah memiliki Kebijakan
pemberian insentif jangka panjang Remunerasi Direksi dan Dewan Komisaris, yaitu
kepada Direksi dan karyawan. / The Public SK Komisaris No. 002/SK/KOM-BB/VI/2022 dan
Company has a policy on the provision SK Direksi No. 080/SK/DIR-BB/ VI/2022 serta
of long-term incentives to the Board of Kebijakan Remunerasi Karyawan berdasarkan
Directors and employees. SK Direksi No. 090/SK/ DIRBB/VI/2022. / Fulfilled.
Bank Banten has a Remuneration Policy for the
Board of Directors and Board of Commissioners,
namely Board of Commissioners’ Decree No.
002/SK/KOM-BB/VI/2022 and Board of Directors’
Decree No. 080/SK/DIR-BB/VI/2022, as well as an
Employee Remuneration Policy pursuant to Board
of Directors’ Decree No. 090/SK/DIR-BB/VI/2022.
Aspek E: Meningkatkan keterbukaan informasi / Aspect E: Enhancing Information Disclosure
Prinsip 8 Perusahaan Terbuka memanfaatkan Terpenuhi, Bank Banten memiliki Akun
Meningkatkan keterbukaan informasi. penggunaan teknologi informasi secara Media Sosial sebagai alternatif media dalam
/ Principle 8: Enhancing information lebih luas selain Situs Web sebagai penyampaian keterbukaan informasi. / Fulfilled.
disclosure. media keterbukaan informasi. / The Bank Banten has Social Media Accounts as
Public Company makes broader use of an alternative medium for the dissemination of
information technology beyond its website information disclosures.
as a medium for information disclosure.
Laporan Tahunan Perusahaan Terbuka Terpenuhi, Bank Banten telah mencantumkan
mengungkapkan pemilik manfaat akhir informasi tersebut dalam laporan yang bersifat
dalam kepemilikan saham Perusahaan publikasi maupun kepada Regulator. / Fulfilled.
Terbuka paling sedikit 5% (lima persen), Bank Banten has included such information in its
selain pengungkapan pemilik manfaat publicly published reports as well as in reports
akhir dalam kepemilikan saham submitted to the Regulator.
Perusahaan Terbuka melalui pemegang
saham utama dan pengendali. / The
Annual Report of the Public Company
discloses the ultimate beneficial owner in
the shareholding of the Public Company of
at least 5% (five percent), in addition to the
disclosure of the ultimate beneficial owner
in the shareholding of the Public Company
through the principal and controlling
shareholders.
382 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 385
TABEL EKSPOSUR RISIKO RISK EXPOSURE TABLE
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
TABEL LAPORAN KEWAJIBAN PENYEDIAAN MODAL QUARTLERLY MINIMUM CAPITAL ADEQUACY
MINIMUM TRIWULAN PT BANK PEMBANGUNAN REQUIREMENT REPORT TABLE OF PT BANK
DAERAH BANTEN (PERSERODA) TBK PEMBANGUNAN DAERAH BANTEN (PERSERODA) TBK
(dalam Jutaan Rupiah) (in millions of Rupiah)
31 Dessember 31 Desember
Desember 2025 2024 /
/ December 31, December 31,
2025 2024
Audit / Audited Audit / Audited
I Modal Inti (Tier 1) / Tier 1 Capital 1,415,692 1,274,849
1 Modal Inti Utama (CET 1) / Common Equity Tier 1 (CET 1) 1,415,692 1,274,849
1.1 Modal Disetor (setelah dikurangi Treasury Stock) / Paid-up Capital (net of Treasury Stock) 4,308,864 4,308,864
1.2 Cadangan Tambahan Modal / Additional Capital Reserves (2,581,933) (2,621,729)
1.2.1 Faktor Penambah/ Adding Factors 293,998 280,805
1.2.1.1 Pendapatan komprehensif lainnya / Other Comprehensive Income - -
1.2.1.1.1 Selisih lebih penjabaran laporan keuangan / Surplus on translation of financial - -
statements
1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan yang diukur - -
pada nilai wajar melalui penghasilan komprehensif lain / Potential gains from
increases in the fair value of financial assets measured at fair value through
other comprehensive income
1.2.1.1.3 Saldo surplus revaluasi aset tetap / Surplus balance from revaluation of fixed - -
assets
1.2.1.2 adangan tambahan modal lainnya (other disclosed reserves) / Other additional capital 293,997 280,804
reserves
1.2.1.2.1 Agio / Share premium (Agio) 241,474 241,474
1.2.1.2.2 Cadangan umum / General reserves - -
1.2.1.2.3 Laba tahun-tahun lalu / Retained earnings from prior years - -
1.2.1.2.4 Laba tahun berjalan / Current year profit 52,523 39,330
1.2.1.2.5 Dana setoran modal / Capital contribution funds - -
1.2.1.2.6 Lainnya / Others - -
1.2.2 Faktor Pengurang / Deducting Factors 2,875,931 2,895,807
1.2.2.1 Pendapatan komprehensif lainnya / Other Comprehensive Income
1.2.2.1.1 Selisih kurang penjabaran laporan keuangan / Deficit on translation of financial - -
statements
1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada - -
nilai wajar melalui penghasilan komprehensif lain / Potential losses from
decreases in the fair value of financial assets measured at fair value through
other comprehensive income
1.2.2.2 Cadangan tambahan modal lainnya (other disclosed reserves) / Other additional capital 2,875,931 2,895,807
reserves (other disclosed reserves)
1.2.2.2.1 Disagio / Share discount (Disagio) - -
1.2.2.2.2 Rugi tahun-tahun lalu / Losses from prior years 2,830,770 2,870,100
1.2.2.2.3 Rugi tahun berjalan / Current year loss - -
1.2.2.2.4 Selisih kurang antara Penyisihan Penilaian Kualitas Aset (PPKA) dan 42,790 23,336
Cadangan Kerugian Penurunan Nilai (CKPN) atas aset produktif / Shortfall
between Allowance for Asset Quality (PPKA) 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 / Shortfall in the total fair value adjustments of financial
instruments in the Trading Book
1.2.2.2.6 PPKA non-produktif / PPKA on non-earning assets 2,371 2,371
1.2.2.2.7 Lainnya / Others - -
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
- -
1.3 Kepentingan Non-Pengendali yang dapat diperhitungkan / Non-Controlling Interests eligible for inclusion - -
1.4 Faktor Pengurang Modal Inti Utama / Deductions from Common Equity Tier 1 Capital 311,239 412,289
1.4.1 Pajak tangguhan / Deferred tax assets 230,853 383,581
1.4.2 Goodwill - -
1.4.3 Aset tidak berwujud / Intangible assets 80,386 28,708
1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang / Equity participations recognized as - -
deducting factors
1.4.5 Kekurangan modal pada perusahaan anak asuransi / Capital shortfall in insurance subsidiaries - -
1.4.6 Eksposur sekuritisasi / Securitization exposures - -
2025 Annual Report & Sustainability Report 383
Page 386
31 Dessember 31 Desember
Desember 2025 2024 /
/ December 31, December 31,
2025 2024
Audit / Audited Audit / Audited
1.4.7 Faktor pengurang modal inti utama lainnya / Other deductions from Common Equity Tier 1 Capital - -
1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain / Placement of funds - -
in AT 1 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 other entities acquired through legal transfer,
grant, or bequest
1.4.7.3 Eksposur yang menimbulkan Risiko Kredit akibat kegagalan settlement (settlement risk) - - -
Non Delivery Versus Payment / Exposures giving rise to Credit Risk due to settlement failure
(settlement risk) — Non Delivery Versus Payment
1.4.7.4 Eksposur di Perusahaan Anak yang melakukan kegiatan usaha berdasarkan prinsip syariah - -
(apabila ada) / Exposures in Subsidiaries conducting business activities based on sharia
principles (if any)
- -
2 Modal Inti Tambahan/Additional Tier 1 (AT 1) / Additional Tier 1 Capital (AT 1) - -
2.1 Instrumen yang memenuhi persyaratan AT 1 / Instruments meeting AT 1 requirements - -
2.2 Agio/Disagio / Share premium/discount (Agio/Disagio) - -
2.3 Faktor Pengurang Modal Inti Tambahan / Deductions from Additional Tier 1 Capital - -
2.3.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain / Placement of funds in AT 1 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 other entities acquired through legal transfer, grant, or bequest
- -
II Modal Pelengkap (Tier 2) / Supplementary Capital (Tier 2) 45,124 32,310
1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 / Capital instruments in the form of - -
shares or other instruments meeting Tier 2 requirements
2 Agio/Disagio / Share premium/discount (Agio/Disagio) - -
3 Cadangan umum PPKA atas aset produktif yang wajib dihitung (paling tinggi 1,25% ATMR Risiko Kredit) / General PPKA 45,124 32,310
reserves on earning assets required to be calculated (maximum 1.25% of Credit Risk RWA)
4 Faktor Pengurang Modal Pelengkap / Deductions from Supplementary Capital - -
4.1 Sinking Fund - -
4.2 Penempatan dana pada instrumen Tier 2 pada bank lain / Placement of funds in Tier 2 instruments at other banks - -
4.3 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat - -
/ Cross-ownership in other entities acquired through legal transfer, grant, or bequest
TOTAL MODAL / TOTAL CAPITAL 1,460,816 1,307,159
31 Des
31 Des 2024 31 Des 2025 / 31 Des 2024 /
2025 /
Keterangan / Description / December Keterangan / Description December 31, December 31,
December
31, 2024 2025 2024
31, 2025
Aset Tertimbang Menurut Risiko / Risk-Weighted Assets Audit / Audit / Rasio KPMM / Car Ratio Audit / Audited Audit / Audited
Audited Audited
Atmr Risiko Kredit / Credit Risk Rwa 3,703,780 2,761,720 Rasio CET 1 (%) / CET 35.60% 41.93%
1 Ratio
Atmr Risiko Pasar / Market Risk Rwa 306.00 - Rasio Tier 1 (%) / Tier 0.00% 0.00%
1 Ratio
Atmr Risiko Operasional / Operational Risk Rwa 272,934 278,888 Rasio Tier 2 (%) / Tier 2 1.13% 1.06%
Ratio (%)
Total ATMR / Total RWA 3,977,019 3,040,608 Rasio KPMM (%) / CAR 36.73% 42.99%
Ratio (%)
Rasio KPMM Sesuai Profil Risiko (%) / Minimum Car Based On Risk 11.00% 11.00% CET 1 Untuk Buffer (%) / CET 1 25.73% 31.99%
Profile (%) For Buffer (%)
Alokasi Pemenuhan KPMM Sesuai Profil Risiko / Allocation Of Car Audit / Audit / Persentase Buffer Yang Wajib 2.50% 2.50%
Fulfillment Based On Risk Profile Audited Audited Dipenuhi Oleh Bank (%) / Buffer
Percentage Required To Be Met
By The Bank (%)
Dari CET 1 (%) / From CET 1 (%) 9.87% 9.94% Capital Conservation 0.00% 0.00%
Buffer (%)
Dari AT 1 (%) / From AT 1 (%) 0.00% 0.00% Countercyclical Buffer 2.50% 2.50%
(%)
Dari Tier 2 (%) / From Tier 2 (%) 1.13% 1.06% Capital Surcharge untuk 0.00% 0.00%
Bank Sistemik (%) /
Capital Surcharge for
Systemic Banks (%)
384 Laporan Tahunan & Laporan Keberlanjutan 2025
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TABEL LAPORAN KOMITMEN DAN KONTIJENSI COMMITMENTS AND CONTINGENCIES LOSS
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
RUGI PT BANK PEMBANGUNAN DAERAH BANTEN REPORT TABLE PT BANK PEMBANGUNAN DAERAH
(PERSERODA) TBK BANTEN (PERSERODA) TBK
(dalam Jutaan Rupiah) (in Millions of Rupiah)
31 Desember 31 Desember
2025 / 2024 /
December December
No Pos-Pos / Items 31, 2025 31, 2024
Audit / Audit /
Audited Audited
I. Tagihan Komitmen / Commitment Receivables
1 Fasilitas pinjaman yang belum ditarik / Undrawn loan facilities - -
2 Posisi valas yang akan diterima dari transaksi spot dan derivatif/forward / Foreign exchange positions to - -
be received from spot and derivative/forward transactions
3 Lainnya / Others 1,719 1,719
II. Kewajiban Komitmen / Commitment Liabilities -
1 Fasilitas kredit kepada nasabah yang belum ditarik / Credit facilities to customers not yet drawn -
a. Committed 22,251 14,186
b. Uncommitted - -
2 Irrevocable L/C yang masih berjalan / Outstanding irrevocable L/C - -
3 Posisi valas yang akan diserahkan dari transaksi spot dan derivatif/forward / Foreign exchange positions - -
to be delivered from spot and derivative/forward transactions
4 Lainnya / Others 108,820 -
III. Tagihan Kontijensi / Contingent Receivables -
1 Garansi yang diterima / Guarantees received - -
2 Lainnya / Others 797,816 799,309
IV. Kewajiban Kontijensi / Contingent Liabilities -
1 Garansi yang diberikan / Guarantees issued 26,630 2,398
2 Lainnya / Others 10 10
V. Lainnya / Others -
1 Penerusan Kredit / On-lending - -
2 Aset Keuangan yang dihapus buku / Written-off Financial Assets - -
a. Kredit Pembiayaan / Financing Credit 1,921,850 1,875,257
b. Berhasil ditagih / Successfully collected 6,171 10,713
3 Aset Keuangan yang dihapustagih / Written-off Financial Assets (write-off claims) - -
4 Kredit / Pembiayaan dengan Pengelolaan Penagihan / Credit/Financing under Collection Management - -
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 385
Page 388
TABEL LAPORAN KUALITAS ASET PRODUKTIF QUARTERLY EARNING ASSET QUALITY AND
DAN INFORMASI LAINNYA TRIWULAN PT BANK OTHER INFORMATION REPORT TABLE PT BANK
PEMBANGUNAN DAERAH BANTEN (PERSERODA) TBK PEMBANGUNAN DAERAH BANTEN (PERSERODA) TBK
(dalam Jutaan Rupiah) (in Millions of Rupiah)
31 Desember 2025 / December 31, 2025
Audit / Audited
No. POS-POS / ITEMS
L DPK KL
I. PIHAK TERKAIT / RELATED PARTIES
1. Penempatan pada bank lain / Placements with other banks - - -
2. Tagihan spot dan derivatif/forward / Spot and derivative/forward receivables - - -
3. Surat berharga yang dimiliki / Securities held - - -
4. Surat berharga yang dijual dengan janji dibeli kembali (Repo) / Securities sold under repurchase -
agreements (Repo)
5. Tagihan atas (Reverse Repo) / Reverse Repo receivables -
6. Tagihan akseptasi / Acceptance receivables - - -
7. Kredit yang diberikan dan pembiayaan yang diberikan / Loans and financing extended -
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) / Micro, Small, and Medium Enterprise (MSME) - -
debtors
b. Bukan debitur UMKM / Non-MSME debtors - - -
c. Kredit yang direstrukturisasi / Restructured loans - -
8. Penyertaan modal / Equity participation - - -
9. Tagihan lainnya* / Other receivables* -
10. Komitmen dan kontinjensi / Commitments and contingencies
II PIHAK TIDAK TERKAIT / NON-RELATED PARTIES
1. Penempatan pada bank lain / Placements with other banks 27,702 - -
2. Tagihan spot dan derivatif/forward / Spot and derivative/forward receivables - - -
3. Surat berharga yang dimiliki / Securities held 1,005,527 - -
4. Surat berharga yang dijual dengan janji dibeli kembali (Repo) / Securities sold under repurchase - - -
agreements (Repo
5. Tagihan atas Reverse Repo / Reverse Repo receivables 108,734 - -
6. Tagihan akseptasi / Acceptance receivables - - -
7. Kredit dan pembiayaan yang diberikan / Loans and financing extended
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) / MSME debtors 223,756 27 -
b. Bukan debitur UMKM / Non-MSME debtors 4,459,300 140,830 4,262
c. Kredit yang direstrukturisasi / Restructured loans 6,197 2,598 72
8. Penyertaan modal / Equity participation - - -
9. Tagihan lainnya* / Other receivables* - - -
10. Komitmen dan kontinjensi / Commitments and contingencies 22,251 - -
III INFORMASI LAIN / OTHER INFORMATION
1. Total aset bank yang dijaminkan : / Total bank assets pledged as collateral:
a. Pada Bank Indonesia / With Bank Indonesia
b. Pada pihak lain / With other parties
2. Agunan yang diambil alih / Foreclosed - - -
collateral (AYDA)
3. CKPN atas agunan yang diambil alih / - - -
CKPN on foreclosed collateral
386 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
31 Desember 2024 / December 31, 2024
Audit / Audited
Jumlah / Jumlah /
D M L DPK KL D M
Total Total
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - 27,702 12,147 - - - - 12,147
- - - - - - - - -
- - - - - - - - -
- - - 1,053,236 - - - - 1,053,236
- - 108,734 - - - - - -
- - - - - - - - -
- - - - - - -
- 443 224,226 339,511 140 - - 468 340,119
14,526 176,329 4,795,247 3,098,771 91,561 6,148 16,987 231,926 3,445,393
- 41,040 49,907 27,338 3,931 - 780 33,720 65,769
- - - - - - - - -
- - - - - - - - -
- - 22,251 14,186 - - - - 14,186
- 2,371 2,371 - - - - 2,371 2,371
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
- 1,252 1,252 - - - - 1,252 1,252
2025 Annual Report & Sustainability Report 387
Page 390
TRIVIA
Mesin Cetak OERIDAB dan
Lahirnya Mata Uang OERIDAB
The Oeridab Printing Press And The Birth Of The Oeridab Currency
Pada masa perjuangan mempertahankan kemerdekaan During the struggle to defend Indonesia's independence
Republik Indonesia, tahun 1947- 1949, Indonesia between 1947 and 1949, the country faced significant
menghadapi tantangan besar dalam bidang ekonomi. economic challenges. The emergency situation resulting
Situasi darurat Ketika Agresi Militer Belanda I dan II, serta from the First and Second Dutch Military Aggressions,
blokade ekonomi oleh negara-negara sekutu, menyebabkan along with economic blockades by Allied nations, severed
terputusnya jalur komunikasi antara pemerintah pusat dan communication between central and regional governments,
daerah, termasuk dalam hal distribusi uang tunai. including the distribution of cash.
Untuk mengatasi kelangkaan uang di daerah, pemerintah To address the shortage of currency in the regions, the
pusat Republik Indonesia yang saat itu berpindah di central government, which was then based in Yogyakarta,
Yogyakarta memberikan wewenang kepada sejumlah authorized several areas to print local currency. This
daerah untuk mencetak uang lokal. Kebijakan ini melahirkan policy led to the creation of regional currencies, including
Uang Republik Indonesia Daerah, termasuk di antaranya OERIDAB, which stands for Oeang Repoeblik Indonesia
OERIDAB, singkatan dari Oeang Repoeblik Indonesia Daerah Banten. The issuance of OERIDAB and its printing
Daerah Banten. Lahirnya OERIDAB dan Mesin Pencetaknya machinery in Banten was realized by the Banten Residency
di wilayah Banten diwujudkan oleh Karesidenan Banten di under the leadership of KH. Achmad Chotib. On December
bawah kepemimpinan KH. Achmad Chotib selaku Residen 15, 1947, Banten issued the first regional emergency
Banten. Pada tanggal 15 Desember 1947, tercatat sebagai currency in Java, “Uang Kertas Darurat untuk daerah
Uang Republik Indonesia Daerah yang pertama di Pulau Banten” or "Emergency Banknotes for the Banten Region",
Jawa merupakan “Uang kertas Darurat untuk daerah in Serang City.
Banten” di Kota Serang, Banten.
388 Laporan Tahunan & Laporan Keberlanjutan 2025
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Trivia
Trivia
Tata Kelola Perusahaan yang Baik ∙ Good Corporate Governance
Mesin cetak uang yang dikenal sebagai Mesin OERIDAB, The money printing press, known as the OERIDAB Printing
pada masa itu berperan vital sebagai alat produksi uang Press, played a vital role at the time in producing this
darurat. Mesin cetak OERIDAB ini juga dikenal sebelumnya emergency currency. This OERIDAB printing press, also
sebagai mesin cetak surat kabar "De Banten Bode", known as the printing press for the newspaper "De Banten
sebuah surat kabar lokal yang aktif sejak 1920-an hingga Bode," was a local newspaper active from the 1920s to
1942 dengan tempat percetakan milik Abdul Rojak yang 1942. The printing press was owned by Abdul Rojak, also
dikenal dengan nama Fritz Rozak, dan difungsikan untuk known as Fritz Rozak. It was used to print the numerators
mencetak numerator atau nomor seri pada uang kertas or serial numbers on OERIDAB banknotes. Abdul Rojak
OERIDAB. Dalam menjalankan pekerjaannya, Abdul Rojak served as the printing press manager, assisted by R. Abu
bertindak sebagai pimpinan percetakan, didampingi oleh R. Bakar Winangun, M. Sastra Atmadja, and M. Solihin. M.
Abu Bakar Winangun, M. Sastra Atmadja, dan M. Solihin. Ismail was entrusted with receiving, storing, and distributing
Adapun M. Ismail dipercaya sebagai pejabat penerima, the banknotes. This process was supported by a team of 11
penyimpan, dan pengedar uang kertas tersebut. Proses ini people, including: Muhamad Jupri, Suparman, Muhamad
didukung oleh tim yang terdiri dari 11 orang, termasuk di Tohir, Senen, and Sanah.
antaranya: Muhamad Jupri, Suparman, Muhamad Tohir,
Senen, dan Sanah.
Uang OERIDAB dicetak dalam beberapa pecahan, di OERIDAB banknotes were printed in several denominations,
antaranya Rp1, Rp2, Rp5, Rp10, dan Rp100, masing-masing including Rp1, Rp2, Rp5, Rp10, and Rp100, each with a
dengan desain yang berbeda. Uang ini hanya berlaku di distinct design. These notes were valid only in the Banten
wilayah Banten dan digunakan untuk menggerakkan roda region and were used to stimulate the economy during
ekonomi masyarakat dalam kondisi darurat, yang pada saat emergencies, replacing the national currency due to the
itu menggantikan fungsi mata uang nasional akibat blokade blockade and wartime conditions. The issuance of OERIDAB
dan kondisi perang. Penerbitan OERIDAB tidak hanya was not only a practical solution to cash shortages but
menjadi solusi praktis atas kekurangan uang tunai, tetapi also a symbol of regional economic sovereignty and a
juga merupakan simbol kedaulatan ekonomi daerah dan manifestation of resistance against colonialism.
manifestasi semangat perlawanan terhadap kolonialisme.
Selama beberapa dekade, Mesin OERIDAB tersimpan di For decades, the OERIDAB printing machine was kept at
Museum Situs Kepurbakalaan Banten Lama di kawasan the Banten Lama Archaeological Site Museum in Kasemen,
Kasemen, Serang, sebagai saksi bisu perjuangan moneter Serang, as a silent witness to the region's monetary struggles
daerah dalam masa darurat kemerdekaan. Kini, sesuai during Indonesia’s fight for independence. Today, under
arahan dari Bapak Andra Soni selaku Gubernur Banten, the direction of Banten Governor Andra Soni, the historic
mesin OERIDAB yang mempunyai sejarah keuangan OERIDAB machine has, as of July 24, 2025, been officially
daerah Banten tersebut mulai tanggal 24 Juli 2025 resmi relocated to the “Grha Bank Banten” Head Office at Jalan
ditempatkan di Kantor Pusat “Grha Bank Banten” yang Veteran No. 4, Cipare, Serang City. The placement of this
berlokasi di Jalan Veteran Nomor 4, Cipare, Kota Serang. OERIDAB machine is not merely a preservation measure
Penempatan mesin OERIDAB ini bukan semata langkah for a historical object, but also an important reminder of the
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
pemeliharaan benda bersejarah, tetapi juga menjadi spirit of economic struggle and regional independence that
pengingat penting akan semangat perjuangan ekonomi is part of Banten's identity. The OERIDAB machine now
dan kemandirian daerah yang menjadi bagian dari symbolizes the continuity between the region's banking
identitas Banten. Mesin OERIDAB kini menjadi simbol history in the past and Bank Banten's role today.
kesinambungan antara sejarah perbankan daerah di masa
lalu dan peran Bank Banten di masa kini.
2025 Annual Report & Sustainability Report 389
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LAPORAN TAHUNAN & KEBERLANJUTAN 20 ANNUAL REPORT & SUSTAINABILITY REPORT 25
Page 393
07
Laporan
Keberlanjutan
Sustainability Report
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk
Page 394
Tentang Laporan Keberlanjutan About Sustainability Report Bank Banten menyusun Laporan Keberlanjutan yang Bank Banten prepares a Sustainability Report that is terintegrasi dengan Laporan Tahunan sebagai bentuk integrated with the Annual Report as a form of transparency transparansi dan akuntabilitas kepada para pemangku and accountability to stakeholders. The Company’s kepentingan. Laporan Keberlanjutan Perusahaan juga Sustainability Report also constitutes a manifestation of the merupakan wujud kepatuhan Perusahaan terhadap Company’s compliance with the Financial Services Authority Peraturan Otoritas Jasa Keuangan (POJK) No. 51/ Regulation (POJK) No. 51/POJK.03/2017 concerning POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan the Implementation of Sustainable Finance for Financial bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Services Institutions, Issuers, and Public Companies. Publik. Laporan Keberlanjutan ini juga berfungsi sebagai media This Sustainability Report also serves as a medium to dalam menyampaikan kontribusi dan dukungan Bank convey Bank Banten’s contribution and support to the Banten terhadap agenda pembangunan berkelanjutan Indonesian Government’s efforts to realize global-scale yang dicanangkan Pemerintah Indonesia, sejalan sustainable development goals, also known as Sustainable dengan Sustainable Development Goals (SDGs). Dalam Development Goals (SDGs). In its operations, Bank Banten operasionalnya, Bank Banten menerapkan aspek keuangan applies aspects of sustainable finance according to the berkelanjutan sesuai model bisnis yang dijalankan, serta business it operates and supports the achievement of berkomitmen mendukung pencapaian target pembangunan sustainable development (SDGs). berkelanjutan (SDGs). Kinerja Keberlanjutan Bank Bank Sustainable Performance Melalui Laporan Keberlanjutan Tahun Buku 2025, Bank With this Sustainability Report for the 2025 fiscal year, Banten menyampaikan capaian kinerja keberlanjutan Bank Banten conveys its sustainability performance, which yang mencakup tiga pilar utama, yaitu kinerja ekonomi, consists of three pillars: economic, environmental, and lingkungan, dan sosial. Laporan keberlanjutan ini juga social performance. This sustainability report also contains a memuat pembahasan mengenai secara komprehensif comprehensive discussion regarding the Company’s various terkait berbagai inisiatif, pencapaian, serta komitmen initiatives, achievements, and commitments in managing Perusahaan dalam mengelola dampak ekonomi, sosial, economic and social impacts, as well as commitments to serta komitmen-komitmen terhadap kelestarian lingkungan. environmental sustainability. These three aspects have a Ketiga aspek tersebut memiliki peran krusial dan relevan crucial and relevant role and have a significant impact, both serta memberikan pengaruh yang substansial terhadap for the Company and stakeholders. keberlangsungan usaha Perusahaan terhadap kepentingan para pemangku kepentingan. 392 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 395
Ikhtisar Kinerja Keberlanjutan
Highilghts of Sustainability Performance
Laporan Keberlanjutan ∙ Sustainability Report
Kinerja Ekonomi ∙ Economic Performance
Aset tahun 2025 tercatat sebesar Pengumpulan Dana Pihak Kerja mencapai
Assets in 2025 were recorded at Third Party Funds Collection reached
10.001.445 6.420.315
Rp Rp
32,4% 32,2%
Jumlah kredit yang disalurkan sebesar Perolehan pendapatan bunga sebesar
The amount of loans disbursed in 2025 was Interest income in 2025 was
4.888.752 570.495
Rp Rp
35,5% 16,0%
Kinerja Lingkungan ∙ Environmental Performance
7,4%
Penghematan listrik sebesar 7,4% atau sebesar
0,2%
Penghematan BBM sebesar 0,2% dari
3,8%
Pengurangan emisi sebesar 3,8% dari 5,713
11.023 Gj dari 11.907 Gj di tahun 2024. 350.922 liter menjadi 350.281 liter. Ton CO2 -eq menjadi 5,497 Ton CO2 -eq.
Electricity savings of 7.4%, or 11,023 GJ, from Fuel savings of 0.2%, from 350,922 liters Emission reduction of 3.8%, from 5,713 tons of
11,907 GJ in 2024. to 350,281 liters. CO2-eq to 5,497 tons of CO2-eq.
ZERO
Penggunaan air sebesar
Water usage of Zero Pengaduan Lingkungan, membuktikan
36.562 ACCIDENT
kehadiran Bank tidak merusak lingkungan.
m 3
Zero Environmental Complaints, proving that
the Bank’s presence does not damage the
environment
Kinerja Sosial ∙ Social Performance
48,1%
Jumlah Karyawan Wanita adalah 48,1% dari Total Karyawan Bank Banten,
0 ZERO
ACCIDENT
Bank meraih ZERO ACCIDENT sebagai hasil dari
mencerminkan kesetaraan gender dan keberagaman Sumber Daya Manusia penerapan K3 di lingkungan Bank dengan baik.
Bank Banten. The Bank achieved ZERO ACCIDENT as a result
Total female employees are 48.1% of the total employees of Bank Banten, of the proper implementation of OHS in the Bank’s
reflecting gender equality and diversity of Human Capital at Bank Banten. environment.
4,45 49
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Jam/Karyawan Kegiatan
Hour/Employee Activity
Peningkatan jam pelatihan karyawan menjadi 4,45 jam/ Kegiatan Bantuan sebanyak 49 kegiatan dengan total anggaran
karyawan dari 4,09 jam/karyawan di tahun 2024. Rp297 juta, meningkat 0,11% dari Tahun 2024 sebesar Rp267 juta.
Increased employee training hours to 4.45 hours per employee 49 assistance activities with a total budget of Rp297 million, which
from 4.09 hours per employee in 2024. increased by 0.11% from Rp267 million in 2024.
2025 Annual Report & Sustainability Report 393
Page 396
Tabel Ikhtisar Kinerja Keberlanjutan [B.1, B.2, B.3]
Sustainability Performance Highlights [B.1, B.2, B.3]
KINERJA EKONOMI [B.1] / ECONOMIC PERFORMANCE [B.1]
Uraian / Description Satuan / Unit 2025 2024 2023
Aset / Assets Rp Juta / 10.001.445 7.551.115 6.800.822
Rp Millions
Jumlah Penghimpunan Dana Pihak Ketiga / Total Rp Juta / 6.420.315 4.855.841 3.738.312
Third Party Fund Collection Rp Millions
Perolehan Pendapatan Bunga / Earning Interest Rp Juta / 570.495 491.804 452.759
Income Rp Millions
Laba/Rugi Bersih / Net Profit/Loss Rp Juta / 52.522 39.330 26.591
Rp Millions
Total Kredit yang Diberikan / Total Loans Given Rp Juta / 4.888.752 3.607.640 3.334.357
Rp Millions
Jumlah Penyaluran Pembiayaan Hijau / Total Green Rp Juta / 413.877 Nihil Nihil
Financing Disbursement Rp Millions
Jumlah Pemasok Lokal (Di Dalam Provinsi Banten) / Rp Juta / Nihil Nihil Nihil
Total Local Suppliers (Within Banten Province) Rp Millions
KINERJA LINGKUNGAN [B.2] / ENVIRONMENTAL PERFORMANCE [B.2]
Uraian / Description Satuan / Unit 2025 2024 2023
Penggunaan BBM / Fuel usage Gigajoule 11.979 12.001 12.149
Penggunaan Listrik / Electricity Usage Gigajoule 11.023 11.907 11.310
Penggunaan Kertas / Paper Usage Rim 1.162 1.209 1.038
Penggunaan Air / Water usage M3 36.562 33.546 37.242
KINERJA SOSIAL [B.3] / SOCIAL PERFORMANCE [B.3]
Uraian / Description Satuan / Unit 2025 2024 2023
Jumlah Karyawan / Total Employees Orang / Persons 904 829 829
Jumlah Karyawan Wanita / Total Female Employees Orang / Persons 435 394 358
Jumlah Senior Manajer yang berasal dari Masyarakat Orang / Persons 9 9 6
Lokal / Total Senior Managers who come from the
Local Community
Jumlah Pelatihan / Total Trainings Program 166 168 160
Jumlah rata-rata jam pelatihan / Average number of Jam/Karyawan / 4,45 4,09 4,18
training hours Hours/Employees
Jumlah Kecelakaan Kerja / Total Work Accidents Kali / Times Nihil Nihil Nihil
Jumlah Dana Bantuan / Total Assistance Funds Rp Juta / 297 267 184
Rp millions
394 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 397
Komitmen dan Strategi Keberlanjutan [A.1]
Sustainability Commitment and Strategy [A.1]
Laporan Keberlanjutan ∙ Sustainability Report
Bank Banten berkomitmen dalam menerapkan prinsip Bank Banten is committed to implementing sustainable
keuangan berkelanjutan sesuai dengan ketentuan Otoritas finance in accordance with OJK provisions through the
Jasa Keuangan (OJK) melalui penyusunan Rencana preparation of a Sustainable Finance Action Plan (RAKB) for
Aksi Keuangan Berkelanjutan (RAKB) untuk periode lima a five-year period. Bank Banten seeks to create a balance
tahun. Perusahaan berupaya menciptakan keseimbangan between economic activities, diversity of social interactions,
antara aktivitas ekonomi, dinamika sosial, dan pelestarian and environmental preservation. In running its business,
lingkungan. Dalam menjalankan kegiatan bisnisnya, the Company prioritizes responsibility to stakeholders in
Perusahaan mengutamakan tanggung jawab terhadap general, beyond simply achieving profits in a narrow and
pemangku kepentingan secara luas, melampaui sekadar limited context.
pencapaian keuntungan dalam konteks yang sempit dan
terbatas.
Saat ini Bank telah memiliki RAKB 2025-2029 yang The Bank has prepared the 2024-2028 RAKB, which
memuat strategi dan rencana kegiatan usaha dan program contains strategies and plans for business activities and
yang akan dilakukan Bank selama periode tersebut (5 programs over the period (5 years) to realize sustainable
tahun) untuk mewujudkan praktik keberlanjutan di lingkup practices within the Bank. In the RAKB, the strategic plan
Bank. Dalam RAKB tersebut, rencana strategis penerapan for implementing sustainable finance will be implemented in
keuangan berkelanjutan ini akan dilaksanakan secara stages through 3 (three) phases, which will be executed by
bertahap melalui 3 (tiga) fase yang akan diimplementasikan Bank Banten in carrying out its business activities.
oleh Bank Banten dalam menjalankan kegiatan usahanya.
1. Fase pertama, menjadi Purposive Banking 1. The first phase, becoming Purposive Banking: Bank
Pada tahun 2025 Bank Banten fokus untuk menciptakan Banten’s focus in 2024 is creating value that prioritizes
nilai yang mengedepankan keuangan berkelanjutan, sustainable finance by applying internal value creation,
dengan mengaplikasikan penciptaan nilai internal starting from Bank employees with policies that focus
dimulai dari karyawan bank dengan kebijakan yang on the work environment, such as reducing the use of
menitikberatkan kepada lingkungan kerja, seperti paper, water, and other energy that can be reduced
pengurangan penggunaan kertas, air dan energi lainnya to create environmentally friendly efficiency without
yang dapat dikurangi untuk menciptakan efisiensi yang reducing the essence of use. Furthermore, Bank
ramah terhadap lingkungan tanpa mengurangi esensi Banten will apply support to loan products that support
dari penggunaan. Selanjutnya Bank Banten akan SDGs, especially investment loan financing and KUR/
mengaplikasikan dukungan terhadap produk kredit yang UMKM financing loan, and also construction loan, which
mendukung SDG’s, terutama pada pembiayaan kredit focuses on development that has a socio-economic
investasi maupun kredit pembiayaan KUR UMKM dan impact in Banten province.
juga kredit konstruksi yang berfokus pada pembangunan
yang berdampak bagi sosial ekonomi di provinsi Banten.
2. Fase kedua, menjadi Promotive Banking
Pada tahun 2026-2027 Bank Banten akan 2. The second phase, becoming Promotive Banking:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
mengimplementasikan operasional perbankan yang In 2025-2026, Bank Banten will implement banking
berfokus kepada kebijakan keuangan berkelanjutan. operations that focus on sustainable financial policies.
Integrasi dan pengelolaan biaya yang berfokus kepada Integration and cost management that focus on savings
penghematan dan penggunaan sistem yang ramah and the use of environmentally friendly systems, in
lingkungan, selain itu budaya risiko yang berbasis addition to a risk culture based on sustainable business,
bisnis berkelanjutan sehingga produk green banking so that green banking products can begin to be applied
dapat mulai diaplikasikan dengan pengukuran risiko with risk measurements according to industry needs.
sesuai kebutuhan industri. Selain itu Bank Banten akan Apart from that, Bank Banten will focus on the impacts
2025 Annual Report & Sustainability Report 395
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berfokus kepada dampak yang dihasilkan akibat bisnis resulting from the business it carries out; economic,
yang dilakukan, aspek ekonomi, sosial dan kepedulian social aspects, and environmental concerns will be the
lingkungan akan menjadi jiwa di setiap kebijakan yang soul of every policy it makes.
dibuat.
3. Fase ketiga adalah menjadi Sustainable Banking 3. The third phase is to become Sustainable Banking In
Pada tahun 2027-2029, Bank Banten akan menjadi 2027-2029, Bank Banten will become a sustainable
sustainable banking dimana setiap arah rencana bisnis banking where every direction of its business plans and
dan produknya mengimplementasikan green banking products implements green banking or Indonesia’s green
atau taksonomi hijau Indonesia yang berfokus pada taxonomy, which focuses on loan distribution based on
penyaluran kredit berbasis tanggung jawab lingkungan, environmental responsibility, economic empowerment,
pemberdayaan ekonomi dan interaksi sosial yang and social interaction sustainably.
berkesinambungan.
VISI DAN MISI DALAM IMPLEMENTASI VISION AND MISSION IN IMPLEMENTING
KEUANGAN DAN BERKELANJUTAN [C.1] SUSTAINABLE FINANCE [C.1]
Bank Banten telah menyusun visi dan misi yang sejalan Bank Banten has developed a vision and mission that are
dengan keuangan berkelanjutan. Hal itu dilakukan sebagai in line with sustainable finance. This was done as a form
bentuk komitmen Bank dalam memenuhi keinginan of the Bank’s commitment to fulfilling the wishes of the
pemegang saham dan pemangku kepentingan Bank dalam bank’s shareholders and stakeholders in supporting the
mendukung implementasi keuangan berkelanjutan. implementation of sustainable finance.
TUJUAN RAKB OBJECTIVE OF RAKB
Dalam menjalankan organisasi, Bank Banten berkomitmen In managing its organization, Bank Banten has the initiative
menghadirkan dampak positif yang berkelanjutan bagi to provide a positive impact on all stakeholders for the
seluruh pemangku kepentingan demi terwujudnya Banten betterment of Banten. The Bank is committed to fostering
yang lebih maju. Komitmen tersebut diwujudkan melalui business sustainability and positive social impacts on the
keberlanjutan bisnis yang terintegrasi dengan kontribusi environment, which includes:
sosial dan kepedulian terhadap lingkungan, di antaranya:
1. Nasabah, memberikan layanan yang penuh makna, 1. Customers, Providing meaningful services and striving
menjadi mitra terbaik melampaui ekspektasi nasabah; to exceed customer expectations, aiming to be their best
2. Karyawan, membangun keunggulan kompetitif bagi partner;
sumber daya manusia dan mendorong pertumbuhan 2. Employees, Building competitive advantages for human
melalui penguatan kepemimpinan, kompetensi resources and fostering their growth through leadership,
manajerial dan interaksi sosial; managerial abilities, and social interactions;
3. Masyarakat, bertanggung jawab dan berkomitmen 3. Community, Being responsible and committed to
untuk berbagi kebaikan kepada komunitas dalam upaya sharing benefits with the community to contribute to
mencapai Sustainable Development Goals (SDGs); the achievement of Sustainable Development Goals
(SDGs);
4. Pemegang Saham, merupakan pemangku kepentingan 4. Shareholders, Recognizing shareholders as
dalam memberikan kinerja yang baik dan bernilai tambah stakeholders by delivering good performance, adding
serta menjaga pertumbuhan bisnis yang berkelanjutan; value, and maintaining sustainable business growth;
5. Regulator, menjadi teladan dalam tata kelola perusahaan 5. Regulators, Serving as role models in corporate
dan standar etika dalam melakukan bisnis yang sehat. governance and ethical standards while conducting
business in a healthy manner.
Secara keseluruhan, tujuan Rencana Aksi Keuangan The objectives of this sustainable financial action
Berkelanjutan (RAKB) mencakup lima ruang yang harus encompass five areas that must be achieved to contribute
dicapai memberikan kontribusi terhadap stakeholder dalam to stakeholders, provide added value, and enhance the
memberikan nilai tambah, meningkatkan kesejahteraan welfare and progress of Banten as a whole.
dan mendorong kemajuan Provinsi Banten secara luas.
396 Laporan Tahunan & Laporan Keberlanjutan 2025
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FOKUS KEBERLANJUTAN TAHUN 2026 SUSTAINABILITY FOCUS IN 2026
Laporan Keberlanjutan ∙ Sustainability Report
(2025-2026) Mengimplementasikan operasional perbankan yang berfokus kepada kebijakan keuangan berkelanjutan.
Fase kedua, Integrasi dan pengelolaan biaya yang berfokus kepada penghematan dan penggunaan sistem yang ramah
menjadi Promotive lingkungan, selain itu budaya risiko yang berbasis bisnis berkelanjutan sehingga produk green banking dapat
Banking. mulai diaplikasikan dengan pengukuran risiko sesuai kebutuhan industri. Selain itu Bank Banten akan berfokus
/ Second Phase, kepada dampak yang dihasilkan akibat bisnis yang dilakukan, aspek ekonomi, sosial dan kepedulian lingkungan
becoming akan menjadi jiwa disetiap kebijakan yang dibuat. / Implementing banking operations focused on sustainable
Promotive Banking. financial policies. Cost integration and management focused on savings and the use of environmentally friendly
systems, as well as a risk culture based on sustainable business, thereby allowing the implementation of green
banking products with risk measurements tailored to industry needs. Furthermore, Bank Banten will focus on
the impact of its business operations. Economic, social, and environmental aspects will be at the heart of every
policy.
Membangun Budaya Keberlanjutan [F.1]
Building a Culture of Sustainability [F.1]
Untuk memastikan seluruh insan Bank Banten menjunjung To ensure that all Bank Banten personnel uphold sustaina-
tinggi praktik keberlanjutan dalam setiap aspek operasional, ble practices in every aspect of operations, the Company
Perusahaan secara proaktif memperkuat budaya sadar proactively strengthens an environmentally friendly culture.
lingkungan. Nilai-nilai ini disosialisasikan dan diintegrasikan These values continue to be disseminated and integrated
ke dalam berbagai kebijakan, program, serta aktivitas Bank, into various Bank programs and activities, emphasizing the
sebagai bagian dari komitmen terhadap keberlanjutan. commitment to sustainability. This dissemination is carried
Sosialisasi ini dilakukan kepada seluruh pemangku out to all stakeholders, especially employees, starting from
kepentingan, khususnya karyawan, mulai dari proses the recruitment process to becoming an integral part of va-
rekrutmen hingga menjadi bagian integral dalam berbagai rious Company initiatives and activities.
inisiatif dan kegiatan Perusahaan.
Perubahan Emiten atau Bank
Publik yang Bersifat Signifikan [C.6]
Significant Changes in Issuers or Public Banks [C.6]
Di tahun 2025, Bank Banten telah menutup Kantor Wilayah In 2025, Bank Banten closed the Banten Regional Office
Banten pada 26 Maret 2025, dam membuka KCP di Pus- on March 26, 2025, and opened a KCP at the Tangerang
pemkab Tangerang pada 20 Januari 2025 dan KF Pemkot Regency Government Center on January 20, 2025, and a
Tangerang pada 10 Juni 2025. Dengan demikian, Bank KF at the Tangerang City Government on June 10, 2025.
Banten telah mengoperasikan 1 Kantor Pusat (KPNO), 20 Thus, Bank Banten has operated 1 Head Office (KPNO),
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Kantor Cabang (KC), 18 Kantor Cabang Pembantu (KCP), 20 Branch Offices (KC), 18 Sub-Branch Offices (KCP), 64
64 Kantor Fungsional (KF) yang tersebar di berbagai wilay- Functional Offices (KF) spread across various regions in In-
ah di Indonesia. Detail mengenai kantor operasional dapat donesia. Details regarding operational offices can be found
ditemukan pada bagian Alamat Kantor dan/atau daftar Kan- in the Office Address section and/or the list of Branch Offi-
tor Cabang serta Kantor Wilayah. ces and Regional Offices.
2025 Annual Report & Sustainability Report 397
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Tata Kelola Berkelanjutan Sustainable Governance Dalam rangka memperkuat komitmen penerapan tata kelola To strengthen its commitment to sustainable governance, berkelanjutan, Bank Banten menjalankan tata kelola dengan Bank Banten implements governance based on Good mengacu pada prinsip Tata Kelola Perusahaan yang Baik Corporate Governance (GCG) principles and considers (GCG) serta mempertimbangkan aspek ekonomi, sosial, economic, social, and environmental aspects in every dan lingkungan dalam setiap kebijakan strategis. Sebagai strategic policy. As a concrete manifestation of this wujud nyata dari komitmen ini, Bank telah membentuk Unit commitment, the Bank has established a Sustainability Unit Penanggung Jawab Keberlanjutan yang berperan strategis that plays a strategic role in implementing sustainability dalam mengimplementasikan praktik keberlanjutan di practices across all of Bank Banten’s operational scopes. seluruh lingkup operasional Bank Banten. PENANGGUNG JAWAB PENERAPAN PERSON IN CHARGE OF IMPLEMENTING KEUANGAN BERKELANJUTAN [E.1] SUSTAINABLE FINANCE [E.1] Mengacu pada RAKB yang telah disusun, Bank Banten Referring to the RAKB that has been prepared, Bank Banten menunjuk Divisi Sekretariat Perusahaan dan Hukum has appointed the Corporate Secretariat and Legal Division sebagai unit yang bertanggung jawab atas pelaksanaan as the unit responsible for implementing sustainability at program keberlanjutan di Bank Banten. Divisi Sekretariat Bank Banten. The Corporate Secretariat and Legal Division Perusahaan dan Hukum akan bertanggung jawab langsung will report directly to the President Director. kepada Direktur Utama. Program kerja keuangan berkelanjutan dilaksanakan The sustainable finance work program is implemented secara kolaboratif dengan melibatkan lintas divisi. Program collaboratively by involving cross-divisions. The planned yang direncanakan sudah disesuaikan dengan target yang program has been adjusted to realistic targets that can be realistis untuk dapat dicapai. Dalam hal pencapaian program achieved. Regarding the achievement of each unit’s work kerja masing-masing unit, kepala divisi bertanggung jawab program, the division head is directly responsible for the langsung terhadap programnya dan melaporkan progresnya program and reports progress to the Corporate Secretariat kepada Divisi Sekretariat Perusahaan dan Hukum. and Legal Division. PENGEMBANGAN KOMPETENSI TERKAIT COMPETENCE DEVELOPMENT RELATED KEUANGAN BERKELANJUTAN [E.2] TO SUSTAINABLE FINANCE [E.2] Bank Banten telah merencanakan dan menyusun terkait Bank Banten has planned and formulated programs related pengembangan kompetensi keuangan berkelanjutan. to the development of sustainable financial competencies. Dalam RKAB Bank Banten memiliki program pengembangan Bank Banten’s Work Plan and Budget (RKAB) includes the keuangan berkelanjutan sebagai berikut: following sustainable financial development programs: Program: Peningkatan Pendanaan Berkelanjutan Program: Increasing Sustainable Funding Penyaluran Pendanaan merupakan program dari Funding Distribution is a program for developing financial pengembangan produk jasa keuangan yang memiliki nilai service products that offer sustainable financial added tambah keuangan berkelanjutan. Pendanaan kepada value. Funding for the MSME sector can be provided directly sektor UMKM dapat dilakukan secara Langsung dengan through the Bank’s product, KUBB (Usaha Bangun Banten produk Bank yang bernama KUBB, atau tidak langsung Loan), or indirectly through onward funding to the People’s melalui penerusan/pendanaan kepada BPR/LKM. Economic Bank/Microfinance Institution. 398 Laporan Tahunan & Laporan Keberlanjutan 2025
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Laporan Keberlanjutan ∙ Sustainability Report
Aktivitas yang dilakukan adalah menyusun dan Activities include formulating and implementing policies,
melaksanakan kebijakan, melakukan penyaluran kredit disbursing productive credit, including program credit/
Produktif termasuk kredit program/KUR serta pendanaan People’s Business Credit, and funding for pre-retired civil
bagi Pra Pensiunan ASN dan pelaku usaha UMKM baik servants (ASN) and MSME entrepreneurs, both individuals
pelaku perorangan ataupun penyaluran melalui BPR/LKM and through the People’s Economic Bank/Microfinance
yang fokus pada penyaluran kepada sektor industri rumah Institution, which focuses on the low-income household
tangga pra-sejahtera. industry sector.
Periode Awal Sumber Daya yang
Periode Akhir Penanggung Jawab /
No Uraian Kegiatan / Activity Description / Beginning Dibutuhkan / Required
/ End Period Person in Charge
Period Resources
1 Penetapan Target dan Cascading / Target Setting Januari / Maret / March Div. Kredit, Unit Kerja Div. Kredit, Unit Kerja
and Cascading January Bisnis / Credit Division, Bisnis / Credit Division,
Business Work Unit Business Work Unit
2 Courtesy dengan BPR/LKM untuk penyaluran kredit Januari / Desember / Div. Kredit, AO / Credit Div. Kredit / Credit
linkage yang fokus pada industri rumah tangga January December Division, AOs Division
prasejahtera / Courtesy of the People’s Economic
Bank/Microfinance Institution for linkage credit
distribution focused on low-income household
industries
3 Pengajuan menjadi bank Penyalur KUR / Application Januari / Desember / Div. Kredit, Unit Kerja Div. Kredit, Unit Kerja
to become a People’s Business Credit Distributing January December Bisnis / Credit Division, Bisnis / Credit Division,
Bank Business Work Unit Business Work Unit
4 Pembiayaan/pendanaan kepada industri/rumah Januari / Desember / Div. Kredit, Unit Kerja Div. Kredit, Unit Kerja
tangga pra-sejahtera di wilayah Banten / Financing/ January December Bisnis / Credit Division, Bisnis / Credit Division,
funding for low-income household industries in the Business Work Unit Business Work Unit
Banten region
Program Pelatihan Potensi Bisnis Berkelanjutan Sustainable Business Potential Training Program
Penerapan keuangan berkelanjutan dapat menjadi pondasi The sustainable finance implementation can serve as a
bagi Bank Banten untuk menggali potensi pembiayaan, foundation for Bank Banten to explore financing potential
melakukan bisnis yang bertanggung jawab pada sosial, and conduct business responsibly, socially, economically,
ekonomi dan lingkungan. Sebagai Bank Pemerintahan and environmentally. As a regional government bank, Bank
Daerah, Bank Banten memiliki tujuan untuk membantu Banten aims to support the provincial economy through the
perekonomian provinsi dari sisi sektor perbankan. Dasar ini banking sector. This foundation is crucial for Bank Banten
menjadi penting bagi Bank Banten dalam mencari potensi in exploring potential banking financing that falls within the
pembiayaan perbankan yang masuk kategori keuangan sustainable finance category.
berkelanjutan.
Aktivitas yang dilakukan adalah pelatihan keuangan The activity includes sustainable finance training for AOs or
berkelanjutan bagi AO atau Manajer Bisnis atau Pejabat Business Managers and other credit-related officials.
terkait Kredit lainnya.
Periode Sumber Daya
Periode
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Awal / yang Dibutuhkan Penanggung Jawab
No Uraian Kegiatan / Activity Description Akhir / End
Beginning / Required / Person in Charge
Period
Period Resources
1 Penyesuaian Blueprint DIKLAT / Training Januari / Maret / March Human Capital Human Capital
Blueprint Adjustments January
2 Pelaksanaan Pelatihan Keuangan Januari / Desember / Human Capital Human Capital
Berkelanjutan / Sustainable Finance Training January December
Implementation
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PENILAIAN RISIKO ATAS PENERAPAN RISK ASSESSMENT OF THE
KEUANGAN BERKELANJUTAN [E.3] IMPLEMENTATION OF SUSTAINABLE
FINANCE [E.3]
Untuk mengatasi berbagai tantangan dan risiko yang To overcome various challenges and risks that can
berpotensi menghambat pencapaian target keuangan potentially hinder the achievement of sustainable financial
berkelanjutan, Bank Banten menerapkan pendekatan targets, Bank Banten implements a comprehensive and
manajemen risiko yang komprehensif dan terintegrasi. integrated risk management approach. This approach aims
Pendekatan ini bertujuan untuk membentuk tata kelola to establish strong bank risk management governance,
manajemen risiko bank yang kuat, meningkatkan efektivitas increase the effectiveness of the “four eyes principle”
mekanisme prinsip empat mata (four eyes principle), serta mechanism, and encourage transparency in all aspects of
mendorong transparansi di seluruh aspek manajemen risk management.
risiko.
Bagi Bank Banten, manajemen risiko merupakan elemen For Bank Banten, risk management is an intrinsic element
intrinsik dari budaya, upaya operasional, dan proses of culture, operational efforts, and decision-making
pengambilan keputusan. Dalam praktiknya, Bank Banten processes. In its implementation, Bank Banten applies the
menerapkan konsep tiga lini pertahanan (three lines of concept of the three lines of defense, which involves all
defense) yang melibatkan seluruh insan Perusahaan, Company personnel, from the Board of Directors and senior
mulai dari Direksi dan manajemen senior hingga seluruh management to all employees.
karyawan.
Seiring dengan upaya pengelolaan risiko, Bank Banten In line with risk management efforts, Bank Banten is actively
secara aktif menjalankan strategi mitigasi risiko, melalui implementing risk mitigation strategies through capacity
peningkatan kapasitas yang bertujuan untuk menumbuhkan building aimed at fostering a deeper understanding of
pemahaman yang lebih mendalam mengenai Keuangan Sustainable Finance. This is done with the following
Berkelanjutan. Hal ini dilakukan dengan inisiatif sebagai initiatives:
berikut:
1. Melakukan pelatihan internal di seluruh jenjang 1. Conducting internal training at all levels of the
organisasi. organization.
2. Melakukan sosialisasi. 2. Carrying out dissemination.
3. Melakukan pelatihan internal pada sektor-sektor industri 3. Conducting internal training in industrial sectors that are
yang menjadi fokus Bank Banten. the Bank’s focus.
4. Melakukan sosialisasi mengenai digitalisasi platform di 4. Conducting socialization regarding the digitalization of
internal Bank dalam rangka penerapan keberlanjutan platforms within the Bank in the context of implementing
dan digitalisasi bank the Bank’s sustainability and digitalization.
Selain itu, Bank Banten memiliki program Penyesuaian In addition, Bank Banten has a program to adjust governance,
Tatakelola, Kebijakan/ SOP terkait Keuangan policies, and standard operating procedures (SOPs) related
Berkelanjutan. Penyesuaian tatakelola, kebijakan/ SOP to sustainable finance. Adjusting governance, policies, and
terkait keuangan berkelanjutan dilakukan dengan terlebih SOPs related to sustainable finance is carried out by first
dahulu mengidentifikasi pedoman yang harus disesuaikan identifying guidelines that must be aligned with the direction
dengan arah bisnis yang berkelanjutan. of sustainable business.
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Tujuan penyesuaian ini di antaranya : The objectives of this adjustment include:
Laporan Keberlanjutan ∙ Sustainability Report
1. Memastikan bahwa potensi bisnis berkelanjutan 1. Ensuring that sustainable business potential has
memiliki manfaat dan potensi yang baik; benefits and potential;
2. Menyelaraskan kebijakan yang telah dibuat agar sesuai 2. Aligning existing policies to align with their objectives;
dengan tujuannya;
3. Mengevaluasi kebijakan yang sudah tidak relevan untuk 3. Evaluating outdated policies for renewal.
diperbaharui.
Hubungan Dengan Pemangku Kepentingan [E.4]
Stakeholder Relations [E.4]
Pemangku kepentingan berperan penting dalam mendukung Stakeholders play a crucial role in supporting the Bank’s
keberlanjutan Bank di masa depan. Sejalan dengan sustainability in the future. In line with this commitment,
komitmen ini, Bank Banten senantiasa memperhatikan Bank Banten always pays attention to the interests and
kepentingan serta aspirasi para pemangku kepentingan aspirations of stakeholders in every policy and strategic
dalam setiap kebijakan dan langkah strategis yang diambil. step taken.
PRINSIP IDENTIFIKASI PEMANGKU PRINCIPLES OF STAKEHOLDER
KEPENTINGAN IDENTIFICATION
Inklusivitas / Inclusiveness Materialitas / Materiality Responsiveness
Inklusivitas adalah partisipasi para Materialitas menentukan relevansi dan Responsiveness adalah respons Perusahaan
pemangku kepentingan dalam signifikansi suatu masalah bagi Perusahaan terhadap masalah pemangku kepentingan
mengembangkan dan mencapai dan pemangku kepentingannya, Masalah yang memengaruhi kinerja keberlanjutannya,
respons yang akuntabel dan material adalah masalah yang akan dan diwujudkan melalui keputusan, tindakan
strategis terhadap keberlanjutan. memengaruhi keputusan, tindakan, dan dan kinerja, serta komunikasi dengan
/ Inclusiveness is the participation kinerja Bank atau pemangku kepentingannya. pemangku kepentingan. / Responsiveness is
of stakeholders in developing and / Materiality determines the relevance and the Company’s response to stakeholder issues
reaching accountable and strategic significance of an issue for the Company and that affect its sustainability performance,
response to sustainability. its stakeholders. Material issues are issues which is realized through decisions, actions,
that influence the decisions, actions, and and performance, as well as communication
performance of the Bank or its Stakeholders. with stakeholders.
METODE IDENTIFIKASI PEMANGKU STAKEHOLDER IDENTIFICATION
KEPENTINGAN METHODS
Mengacu pada prinsip identifikasi di atas, Bank Banten Referring to the identification principles above, Bank Banten
menetapkan 6 aspek penentuan kelompok pemangku has determined 6 aspects for determining stakeholder
kepentingan, yaitu: groups, namely:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 401
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1. Dependency (D) 1. Dependencies (D)
Kelompok atau individu yang secara langsung atau Groups or individuals who directly or indirectly rely on
tidak langsung bergantung pada aktivitas, produk atau the activities, products, or services, and performance of
layanan dan kinerja Bank Banten, atau sebaliknya. Bank Banten, or vice versa.
2. Responsibility (R) 2. Responsibility (R)
Kelompok atau individu yang memiliki, atau di masa Groups or individuals with current or potential legal,
depan mungkin memiliki organisasi hukum, tanggung organizational, commercial, operational, or ethical/
jawab komersial, operasional atau etika/moral atau moral responsibilities.
sebaliknya.
3. Tension (T) 3. Tension (T)
Kelompok atau individu yang membutuhkan perhatian Groups or individuals requiring immediate attention from
segera dari organisasi terkait dengan masalah the organization regarding broader financial, economic,
keuangan, ekonomi, sosial atau lingkungan yang lebih social, or environmental issues.
luas.
4. Influence (I) 4. Influence (I)
Kelompok atau individu yang dapat berdampak pada Groups or individuals capable of impacting Bank
Bank Banten atau pemangku kepentingan pengambilan Banten’s strategic or operational decision-making.
keputusan strategis atau operasional.
5. Diverse Perspective (DP) 5. Diverse Perspective (DP)
Kelompok atau individu yang pandangannya berbeda Groups or individuals whose differing views can provide
dapat mengarah pada pemahaman baru tentang situasi new insights into a situation and identify opportunities
dan identifikasi peluang untuk tindakan yang mungkin for action that might otherwise go unnoticed.
tidak terjadi.
6. Proximity (P) 6. Proximity (P)
Kelompok atau individu yang memiliki kedekatan Groups or individuals located in close geographical
geografis dengan wilayah operasional Bank Banten. proximity to Bank Banten’s operational area.
Mapping stakeholders ini bertujuan agar Bank Banten The stakeholder mapping is carried out to ensure that Bank
mengetahui dengan jelas siapa yang paling berkepentingan Banten clearly identifies those with the most mutual interest
dengan Bank secara timbal balik, hubungan apa yang in the Bank, establishes existing relationships, determines
dijalin, hal apa yang perlu dikomunikasikan, dan bagaimana communication needs, and maximizes the effectiveness
memaksimalkan karakteristik media komunikasi sehingga of communication channels. This ensures effective
dapat berkomunikasi dengan para pemangku kepentingan communication with stakeholders, ultimately leading to the
secara efektif yang pada akhirnya mampu mencapai target achievement of expected follow-up targets.
lanjutan yang diharapkan.
Berdasarkan hasil pemetaan pengaruh, dan identifikasi Based on the results of influence mapping and stakeholder
kelompok pemangku kepentingan, berikut adalah tabel group identification, the following is a summary table outlining
ringkasan pengelolaan hubungan dengan para pemangku the management of relationships with the stakeholders in
kepentingan dimaksud, yang dilakukan oleh Bank Banten. question by Bank Banten.
Frekuensi
Pemangku
Basis Identifikasi / Topik Pembahasan / Metode Pelibatan / Pendekatan dan Respons / Pendekatan /
Kepentingan /
Identification Base Topics of Discussion Engagement Methods Approach and Response Frequency of
Stakeholders
Approach
Pemegang Saham / D, R, I, P Peningkatan kinerja Bank / Bank RUPS dan RUPSLB / GMS Pelaporan Kinerja Bank pada Setiap Tahun
Shareholder Hubungan ekonomi, performance improvement and EGMS RUPS / Bank Performance dan/atau kapan
kepemilikan, dan legal / Reporting at GMS dibutuhkan / Every
D, R, I, P Year and/or when
Economic, property, needed
and legal relations
402 Laporan Tahunan & Laporan Keberlanjutan 2025
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Frekuensi
Laporan Keberlanjutan ∙ Sustainability Report
Pemangku
Basis Identifikasi / Topik Pembahasan / Metode Pelibatan / Pendekatan dan Respons / Pendekatan /
Kepentingan /
Identification Base Topics of Discussion Engagement Methods Approach and Response Frequency of
Stakeholders
Approach
Pemerintah & D, R, T, I, DP, P Legal Tersedianya ketentuan dan Pelaporan kerja yang Pelaporan pelaksanaan Kepatuhan Minimal 5 (lima)
Otoritas Jasa & kepentingan LJK / D, kebijakan yang jelas atas program teratur kepada regulator dan notifikasi pada Otoritas Jasa kali dalam setahun
Keuangan / R, T, I, DP, P yang dikembangkan / Availability dan pemerintah / Regular Keuangan (OJK) / Reporting melalui laporan
Government & Legal & importance of clear provisions and policies for reporting of work to on Compliance implementation kuartalan dan
Financial Services of LJK the programs developed regulators and governments and notification to the Financial laporan tahunan /
Authority Services Authority (OJK) Minimum 5 (five)
times a year through
quarterly reports
and annual reports
Masyarakat / D, R, T, I, DP, P Relasi 1. Program TJSL / CSR Programs Pertemuan forum TJSL / 1. Optimalisasi Program TJSL / Sepanjang tahun
Community sosial, lisensi sosial, 2. Peningkatan edukasi dan CSR forum meetings CSR Program Optimization melalui aktivitas
tanggung jawab sosial, pemahaman penggunaan 2. Meningkatkan kesejahteraan TJSL / Throughout
serta kedekatan keuangan yang efektif / masyarakat / Improving the year through
dengan Bank Banten / Increased education and community welfare CSR activities
D, R, T, I, DP, P understanding of effective use 3. Memberikan konsultasi dan
Social relations, of finance pelatihan yang lebih luas
social license, social mengenai perencanaan
responsibility, and keuangan kepada Masyarakat,
closeness to Bank Pelajar, dan UMKM / Providing
Banten broader consultation and
training on financial planning to
the wider community
Nasabah / D, R, I, P Hubungan 1. Peningkatan intensitas 1. Website 1. Konsistensi penyelenggaraan Sepanjang tahun
Customer ekonomi / penyelenggaraan edukasi 2. Kunjungan langsung / program-program edukasi melalui customer
D, R, I, P terkait produk dan layanan In-person visits kepada setiap nasabah service dan call
Economic relations keuangan Bank, terutama bagi 3. Call center / Consistency in the center Bank Banten
nasabah baru dan masyarakat 4. Pengukuran kepuasan / implementation of educational / Throughout
yang belum teredukasi akses Satisfaction measurement programs for each customer the year through
keuangan / Increasing the 5. Customer gathering 2. Meningkatkan sistem pada customer service
intensity of education related to fasilitas dan keamanan and call center Bank
the Bank’s financial products transaksi perbankan / Improving Banten
and services, especially for the system on banking
new customers and the public transaction facilities and security
who have not been educated 3. Memberikan informasi akurat
about financial access kepada setiap nasabah
2. Peningkatan fasilitas dan mengenai informasi terkini
akses perbankan serta produk dan layanan perbankan
keamanan transaksi / Improved / Providing accurate information
banking facilities and access to every customer regarding the
as well as transaction security latest information on banking
3. Transparansi informasi layanan products and services
Bank / Transparency of Bank
service information
Pegawai dan D, R, T, I, P Legal dan 1. Hak-hak pegawai / Employee Rapat kerja dengan serikat 1. Memberikan hak penuh kepada Minimal setahun
Organisasi pemangku kepentingan rights pegawai / Work meetings pegawai terhadap PKB yang sekali / At least once
Pegawai / yang membantu 2. Meningkatkan efektivitas with Employees’ Unions telah ditetapkan / Giving full a year
Employees pencapaian tujuan hubungan manajemen dan rights to employees to the CLA
and Employee Bank / D, R, T, I, P pegawai / Improving the that has been determined
Organization Legal and stakeholders effectiveness of management 2. Melakukan pertemuan berkala
who assist in the and employee relationships antara manajemen dengan
achievement of the pegawai / Conducting periodic
Bank’s objectives meetings between management
and employees
Rekanan / Vendors D, R, T, P Hubungan Transparansi dalam proses 1. Kontrak pemasok / Melaksanakan sistem pengadaan Minimal setahun
ekonomi dan legal / pengadaan / Transparency in the Supplier contract yang mematuhi prinsip-prinsip sekali melalui event
D, R, T, P procurement process 2. Mitra investasi / panduan kerja dan standar etika vendor gathering
Economic and legal Investment partners / Implementing a procurement / At least once a
relations 3. Koordinasi operasional / system that adheres to work year through vendor
Operational coordination guiding principles and ethical gathering events
standards
Media Massa T, I, DP Keterbukaan informasi yang 1. Press release Memberikan informasi akurat Melakukan
Relasi sosial, lisensi akurat dan terkini / Accurate and 2. Media visit mengenai berita terkini Bank kunjungan ke unit
sosial / up-to-date information disclosure 3. Press Gathering Banten / Providing accurate bisnis Bank untuk
T, I, DP 4. Press conference information about the latest news memperluas dan
Social relations, social from Bank Banten memahami bisnis
license bank / Conducting
visits to the Bank’s
business units
to expand and
understand the
Bank’s business
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 403
Page 406
Ruang Penyempurnaan dalam Penerapan
Keuangan Berkelanjutan [E.5]
Room of Improvement in Implementing Sustainable Finance [E.5]
Bank Banten telah menerapkan aspek keberlanjutan Bank Banten has implemented sustainability aspects and
dan prinsip Keuangan Berkelanjutan, serta menjalankan principles of Sustainable Finance, as well as implementing
rencana aksi jangka pendek yang menjadi prioritas dalam short-term action plans that are priorities in the 2025-2029
RAKB 2025- 2029. Berdasarkan evaluasi yang dilakukan, RAKB. Based on the evaluation conducted, the problems
permasalahan yang dihadapi Bank Banten dalam faced by Bank Banten in implementing the 2024 RAKB
menjalankan RAKB 2025, antara lain: include:
1. Faktor permodalan Bank Banten; 1. Bank Banten’s capital factor;
2. Kualitas Modal Insani berikut transformasi menjadi BPD; 2. Human Capital Quality and transformation into BPD;
3. Produk dan layanan masih terbatas; 3. Products and services;
4. Sistem dan prosedur serta pedoman operasional masih 4. Systems and procedures, as well as operational
dalam proses penyempurnaan; guidelines;
5. Core Banking Sistem yang sudah ketinggalan. 5. Core Banking System.
Beberapa langkah dan upaya yang dilakukan Bank Banten, Several steps and efforts taken by Bank Banten include:
antara lain:
1. Penguatan dukungan dari para pemangku kepentingan 1. Strengthening Support from stakeholders for the
untuk kemajuan Bank Banten; progress of Bank Banten;
2. Kontribusi dan peran aktif dalam Perekonomian 2. Contribution and active role in the Economy, especially
khususnya di Wilayah Banten; in the Banten Region;
3. Penghematan energi, listrik, dan pengurangan 3. Saving energy, electricity, and reducing the use of
penggunaan bahan yang tidak ramah lingkungan; environmentally unfriendly materials;
4. Sinergi dengan mitra strategis pemerintah Provinsi, 4. Synergy with strategic partners of the Provincial
pemerintah Kota dan Kabupaten, BUMD, Asosiasi dan Government, Municipality and Regency Governments,
swasta; BUMD, Associations and the private sector;
5. Mengimplementasikan Kebijakan pemerintah yang 5. Implementing government policies that focus on the
fokus pada tujuan Sustainable Development Goals; objectives of the Sustainable Development Goals;
6. Pengembangan bisnis Bank Banten yang 6. Sustainable development of Bank Banten's business,
berkesinambungan berikut Proses bisnis yang adaptif; including adaptive business processes;
7. Kepedulian terhadap masyarakat dan lingkungan 7. Concern for the community and the environment in a
secara berkelanjutan. sustainable manner.
Bank Banten melakukan sinergi bersama pemerintah Bank Banten is collaborating with the government on
terkait dengan isu Keuangan Berkelanjutan, Bank akan Sustainable Finance issues. The Bank will synergize with
mensinergiskan dengan Rencana Pembangunan Daerah the Banten Provincial Government’s Regional Development
Pemerintah Provinsi Banten yang tertuang dalam Rencana Plan, as outlined in the 2025-2045 Regional Long-Term
Pembangunan Jangka Panjang Daerah Tahun 2025-2045. Development Plan.
Visi RPJPD Tahun 2025-2045 yaitu “Banten Sebagai The 2025-2045 Regional Medium-Term Development
Gerbang Investasi Strategis yang Maju, Sejahtera dan Plan (RPJPD) has the vision of “Banten as a Gateway
Berkelanjutan Berlandaskan Iman dan Taqwa”, berangkat for Advanced, Prosperous, and Sustainable Strategic
dari visi tersebut ditetapkan 8 (delapan) misi, yaitu: Investment Based on Faith and Piety.” Based on this vision,
8 (eight) missions have been established:
404 Laporan Tahunan & Laporan Keberlanjutan 2025
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Ruang Penyempurnaan dalam Penerapan
Keuangan Berkelanjutan [E.5]
Laporan Keberlanjutan ∙ Sustainability Report
Room of Improvement in Implementing Sustainable Finance [E.5]
1. Mewujudkan masyarakat Banten yang produktif, unggul, 1. Realizing a productive, superior, and competitive Banten
dan berdaya saing; society;
2. Mewujudkan perekonomian Banten yang tangguh, 2. Creating a resilient, inclusive, and conducive Banten
inklusif, dan kondusif; economy;
3. Mewujudkan tata kelola pemerintahan Banten yang 3. Establishing Banten governance with integrity,
berintegritas, adaptif, dan profesional; adaptability, and professionalism;
4. Mewujudkan keamanan Banten yang tangguh, 4. Achieving resilient Banten security, substantial
demokrasi yang substansial, dan perekonomian daerah democracy, and a stable regional economy;
yang stabil;
5. Mewujudkan sosial budaya Banten yang beradab dan 5. Creating a civilized Banten socio-cultural environment
ekologi yang lestari; and a sustainable ecology;
6. Mewujudkan pusat pertumbuhan ekonomi baru, 6. Establishing a new center for economic growth,
perkuatan pemerataan, dan interkoneksi pembangunan; strengthening equity, and interconnecting development;
7. Mewujudkan sarana dan prasarana Banten yang 7. Creating adequate, high-quality, and sustainable
memadai, berkualitas, dan berkelanjutan; facilities and infrastructure in Banten;
8. Mewujudkan kesinambungan pembangungan Banten 8. Ensuring the continuity of innovative and globally
yang inovatif dan berdaya saing global. competitive Banten development.
TANTANGAN PENERAPAN RENCANA AKSI CHALLENGES IN IMPLEMENTING THE
KEUANGAN BERKELANJUTAN SUSTAINABLE FINANCE ACTION PLAN
Dalam melaksanakan RAKB, Bank Banten menghadapi In implementing the RAKB, Bank Banten faces various
berbagai tantangan penerapan prinsip-prinsip Keuangan challenges in implementing the principles of Sustainable
Berkelanjutan, di antaranya: Finance, such as:
1. Kesenjangan pengetahuan & kompetensi; 1. Knowledge & competency gaps;
2. Keterbatasan ruang gerak; 2. Limited room for movement;
3. Kebijakan Pemerintah dan tingkat pemenuhan/ 3. Government policies and levels of fulfillment/compliance;
kepatuhan;
4. Sinergi antar Entitas/Stakeholders (multi-sektoral) 4. Synergy between Entities/Stakeholders (multi-sectoral)
terhadap regulasi yang mendukung implementasi towards regulations that support the implementation of
keuangan berkelanjutan di daerah (Provinsi Banten); sustainable finance in the region (Banten Province); and
dan
5. Ketersediaan Proyek Hijau (Green Project) di Indonesia 5. Availability of Green Projects in Indonesia, which have
yang berimplikasi pada penerapan prinsip pembiayaan implications for the application of green financing
hijau (green financing). principles.
Tantangan yang di hadapi Bank Banten adalah sebagai The challenges faced by Bank Banten are as follows:
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
berikut:
1. Tingkat pemahaman SDM terhadap keberlanjutan 1. The level of human capital awareness regarding
(awareness) tidak sesuai harapan; sustainability is not as expected;
2. Keterbatasan waktu dan anggaran; 2. Time and budget constraints;
3. Kompetisi di market sangat ketat; 3. Competition in the market is very tight;
4. Kondisi nasabah (TnC) tidak sesuai RAC atau 4. Customer conditions (TnC) do not align with the Bank’s
selera Bank. RAC or preferences.
2025 Annual Report & Sustainability Report 405
Page 408
Kinerja Keberlanjutan – Ekonomi
Sustainability Performance – Economy
Bank Banten berkomitmen memberikan kontribusi nyata Bank Banten is committed to contributing to driving economic
terhadap pertumbuhan ekonomi, baik di tingkat lokal growth, both at the local and national levels, by involving
maupun nasional, dengan melibatkan berbagai pihak, various parties, especially local communities. Through
khususnya komunitas lokal. Melalui upaya ini, Bank Banten this effort, Bank Banten also supports the government in
turut mendukung agenda Pemerintah dalam mendorong realizing economic equality in society. This commitment
pemerataan dan penguatan struktur ekonomi masyarakat. is reflected in the economic performance achievements
Komitmen ini tercermin dalam capaian kinerja ekonomi presented transparently in this report.
yang disampaikan secara transparan dalam laporan ini.
DISTRIBUSI NILAI EKONOMI DISTRIBUTION OF ECONOMIC VALUE
Sebagai manfaat dari aktivitas operasional dan kegiatan As a benefit from operational activities and business activities
usaha yang dijalankan, Bank Banten menghasilkan nilai carried out, Bank Banten generates direct economic value,
ekonomi langsung baik yang dihasilkan ataupun yang both generated and distributed.
didistribusikan.
DISTRIBUSI PEROLEHAN NILAI EKONOMI DISTRIBUTION OF ECONOMIC VALUE
GAIN
Kinerja Ekonomi / Economic Performance 2025 2024 2023
Nilai Ekonomi Langsung yang Dihasilkan / Direct Economic Value Generated
Pendapatan Bunga / Interest Income 570.495 491.804 452.759
Pendapatan Operasional Lainnya / Other Operating Income 76.348 43.153 54.658
Pendapatan Non Operasi / Non-Operating Income 76.348 43.153 21.435
Jumlah Nilai Ekonomi Langsung yang Dihasilkan 723.191 578.110 528.852
Nilai Ekonomi yang Didistribusikan ke Pemangku Kepentingan / Economic Value Distributed to Stakeholders
Beban Bunga / Interest Expense 371.804 302.443 246.945
Penyisihan kerugian penurunan nilai aset keuangan – Bersih / Provision for 63.020 122.113 17.494
impairment losses on financial assets – Net
Beban operasional lainnya di luar biaya pegawai / Other operational 158.769 143.437 147.123
expenses excluding employee costs
Tenaga kerja dan tunjangan / Employment and benefits 129.669 127.961 122.623
Pembayaran dividen kepada pemegang saham / Dividend payments to 0 0 0
shareholders
Pengeluaran untuk pemerintah (pajak, retribusi, dan lain-lain) / Expenditures 51.671 167.359 205.230
for the government (taxes, retribution, etc.)
Pengeluaran kepada masyarakat : TJSL / Expenditures to the community: 297 267 184
TJSL
Jumlah Nilai Ekonomi yang Didistribusikan / Total Economic Value 775.230 863.580 739.599
Distributed
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Kinerja Keberlanjutan – Ekonomi
Sustainability Performance – Economy
Laporan Keberlanjutan ∙ Sustainability Report
KINERJA PORTOFOLIO, TARGET PORTFOLIO PERFORMANCE, FINANCING
PEMBIAYAAN, ATAU INVESTASI PADA TARGETS, OR INVESTMENTS IN
INSTRUMEN KEUANGAN ATAU PROYEK FINANCIAL INSTRUMENTS OR PROJECTS
YANG SEJALAN DENGAN KEUANGAN THAT ARE ALIGNED WITH SUSTAINABLE
BERKELANJUTAN [F.3] FINANCE [F.3]
Dedikasi Bank Banten terhadap prinsip keberlanjutan Bank Banten’s dedication to the sustainability principle is
tercermin dalam upaya pengembangan pembiayaan yang reflected in the implementation of environmentally friendly
berorientasi pada praktik ramah lingkungan dan investasi financing and sustainable investment. Bank Banten provides
berkelanjutan. Bank Banten memberikan dukungan financial support for businesses by prioritizing sustainability
keuangan bagi pelaku usaha dengan mengedepankan principles, including the implementation of Environmental,
prinsip keberlanjutan, termasuk penerapan penilaian risiko Social, and Governance (ESG) risk assessments throughout
Lingkungan, Sosial, dan Tata Kelola (ESG) dalam seluruh the lending process.
proses pemberian pinjaman.
Sepanjang tahun 2025, Bank Banten telah menyalurkan Throughout 2025, Bank Banten has disbursed Rp413.88
pembiayaan hijau yang secara khusus dikategorikan million in green financing, specifically categorized as
sebagai ramah lingkungan sejumlah Rp413,88 juta. environmentally friendly. This commitment is made to
Komitmen ini diberikan untuk meningkatkan kontribusi increase sustainable financial contributions to stakeholders.
keuangan keberlanjutan kepada pemangku kepentingan.
PEMBERDAYAAN TENAGA KERJA LOKAL EMPOWERING LOCAL WORKFORCE
Bank Banten menegaskan komitmennya dalam mendorong Bank Banten affirms its commitment to encouraging
pertumbuhan sosial dan ekonomi yang berkelanjutan di sustainable social and economic growth in local communities
komunitas lokal dengan memberikan kesempatan kerja by providing employment opportunities for local people.
kepada masyarakat setempat. Namun, dalam proses However, in the recruitment process, the Bank still adheres
perekrutan, Bank tetap berpegang pada syarat dan kriteria to the terms and criteria that have been set.
yang telah ditetapkan.
Berikut adalah tabel yang merinci komposisi pegawai Bank Details on the composition of Bank Banten employees in
Banten pada tahun 2025. 2025 are as follows.
Kinerja Ekonomi Lokal / Local Economic Performance 2025 2024 2023
Jumlah Karyawan / Total Employees 904 829 879
2025
Status Kepegawaian / Employment Status Perempuan /
Laki-Laki / Male Total
Female
Direksi dan Komisaris / Board of Directors and Board of 6 1 7
Commissioners
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Pegawai Tetap / Permanent Employees 390 292 682
Masa Percobaan / Probation 0 1 1
Kontrak / Contract 71 141 212
Jasa Tenaga Ahli / Experts 2 0 2
TOTAL 469 435 904
2025 Annual Report & Sustainability Report 407
Page 410
PENGADAAN BERKELANJUTAN SUSTAINABLE PROCUREMENT
Bank Banten telah menetapkan kebijakan pengadaan Bank Banten has established a procurement policy with
yang dilaksanakan dengan mekanisme pengawasan ketat strict supervision of external processes, products, and
terhadap proses, produk, maupun layanan dari pihak services. Before establishing cooperation, the Bank
eksternal. Sebelum menjalin kerja sama, Bank melakukan conducts a thorough evaluation of suppliers to ensure that
evaluasi menyeluruh terhadap calon pemasok guna the services or products provided meet the established
memastikan bahwa layanan atau produk yang disediakan quality standards. In addition to the quality aspect, Bank
telah memenuhi standar kualitas yang ditetapkan. Selain Banten also pays great attention to occupational safety
aspek kualitas, Bank Banten juga menaruh perhatian besar factors, energy efficiency, and environmental protection in
pada prinsip keselamatan kerja, efisiensi penggunaan each of its procurement procedures.
energi, serta perlindungan lingkungan dalam setiap
prosedur pengadaannya.
Guna meningkatkan efektivitas dan efisiensi proses To improve the effectiveness and efficiency of the
produksi, pada tahun 2025vkebijakan praktik pengadaan production process, in 2025, the procurement practice
telah diperbarui dan dirumuskan dengan baik mengikuti policy has been updated and formulated properly following
kondisi saat ini. Berikut kebijakan praktik pengadaan Bank: current conditions. The Bank’s procurement practice policy
1. SK DIR No. 1094/SK/DIR-BB/VII/2024 tentang is as follows:
Pengadaan Barang dan Jasa. 1. Directors Decree No. 1094/SK/DIR-BB/VII/2024
concerning Procurement of Goods/Services.
2. SK DIR No. 1134/SK/DIR-BB/X/2024 tentang Kebijakan 2. Directors Decree No. 1134/SK/DIR-BB/X/2024
Penerapan Strategi Anti Fraud. concerning the Policy for Implementing Anti-Fraud
Strategies.
Terpenuhi dengan SK DIR No. 940/SK/DIR-BB/IV/24 Fulfilled by Directors Decree No. 940/SK/DIR-BB/
tentang Standar Operasional Prosedur Whistle Blowing. IV/24 concerning Standard Operating Procedures for
Whistleblowing.
408 Laporan Tahunan & Laporan Keberlanjutan 2025
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Kinerja Keberlanjutan – Lingkungan
Sustainable Performance - Environment
Laporan Keberlanjutan ∙ Sustainability Report
Bank Banten menyadari bahwa pelestarian lingkungan Bank Banten is aware of the importance of environmental
merupakan aspek krusial di tengah meningkatnya risiko preservation amidst the increasing risk of natural disasters
bencana alam serta ancaman terhadap keberlangsungan and the urgency of protecting the ecosystem from
ekosistem dari kepunahan. Oleh karena itu, Perusahaan extinction. Therefore, the Bank continues to strengthen
terus memperkuat komitmen dalam meminimalkan dampak its commitment to minimizing environmental impacts and
operasional terhadap lingkungan sekaligus menjaga preserving ecosystems that support sustainable life. This
keberlanjutan ekosistem sebagai fondasi ketahanan effort also aims to ensure long-term business resilience and
bisnis jangka panjang dan kesejahteraan para pemangku the welfare of stakeholders.
kepentingan.
Sejalan dengan strategi keberlanjutannya, Bank Banten In line with its sustainability strategy, Bank Banten actively
secara aktif berpartisipasi dalam upaya pelestarian participates in environmental preservation efforts through
lingkungan melalui dua pendekatan utama. Pertama, two main approaches. First, by integrating environmental
integrasi aspek lingkungan ke dalam operasional Bank aspects into the Bank’s operations through various
melalui berbagai inisiatif, seperti penerapan konsep kantor initiatives, such as the implementation of the green office
hijau (green office) dan gaya hidup ramah lingkungan. concept and an environmentally friendly lifestyle. Second, by
Kedua, pengaruh faktor lingkungan dan sosial dalam proses including environmental and social factors in the financing
pembiayaan, sehingga Bank dapat berkontribusi terhadap process so that the Bank can contribute to environmental
pelestarian lingkungan melalui manajemen portofolio yang preservation through sustainable portfolio management and
berkelanjutan serta penerapan prinsip-prinsip pembiayaan the implementation of environmentally friendly financing
ramah lingkungan. principles.
Dalam kebijakan alokasi kredit, Bank Banten In the credit allocation policy, Bank Banten implements
memprioritaskan pada industri dengan prospek a credit allocation policy that focuses on industries with
pertumbuhan yang menjanjikan, namun membatasi promising growth prospects, but limits funding to significantly
pendanaan pada sektor-sektor yang bergantung secara dependent sectors on natural resources. In addition, the
signifikan pada eksploitasi sumber daya alam. Selain itu, Bank does not finance projects that have the potential to
Bank tidak menyalurkan pembiayaan kepada proyek-proyek pose risks to the environment, in line with the principles
yang berpotensi menimbulkan risiko terhadap lingkungan, of the Environmental Impact Analysis (AMDAL) set by the
sejalan dengan prinsip-prinsip Analisis Mengenai Dampak government.
Lingkungan (AMDAL) yang ditetapkan oleh pemerintah.
Dalam kebijakan pemberian kredit, Bank Banten telah In the credit provision policy, Bank Banten has risk
memiliki kriteria pengukuran risiko untuk penetapan fasilitas measurement criteria for determining financing facilities
pembiayaan yang terdiri dari: consisting of:
DAFTAR BISNIS DIKECUALIKAN LIST OF EXCLUDED BUSINESSES
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Daftar bisnis dikecualikan merupakan daftar usaha/ It is a list of prohibited businesses/sectors for banks to
sektor terlarang bagi Bank Banten untuk melakukan carry out corporate social responsibility (CSR) activities
kegiatan tanggung jawab sosial dan lingkungan (TJSL) and provide financing facilities. Aspects of sustainability
dan pemberian fasilitas pembiayaan. Aspek penilaian assessment are based on the impact of Environmental,
keberlanjutan berdasarkan dampak risiko Lingkungan, Social, and Governance risks, including Human Rights,
Sosial dan Tata Kelola termasuk Hak Asasi Manusia, Climate Change, and Biodiversity.
Perubahan Iklim dan Keragaman Hayati (Biodiversity).
2025 Annual Report & Sustainability Report 409
Page 412
OPERASIONAL RAMAH LINGKUNGAN ENVIRONMENTALLY FRIENDLY
Bank Banten membentuk bagian komunikasi perusahaan OPERATIONS
yang berada di bawah Direktorat Utama untuk memastikan Bank Banten has established a Corporate Communications
pengelolaan dan pelestarian lingkungan berjalan efektif Section under the President Directorate to support the
dan efisien. Divisi Sekretariat Perusahaan memiliki tugas effective and efficient implementation of environmental
dan tanggung jawab dalam mengelola dan mengawasi management and preservation. The Company’s Secretariat
terlaksananya sistem pelaksanaan pengelolaan dan Division is tasked with managing and supervising the
pelestarian lingkungan. Upaya Bank Banten dalam menjaga implementation of the environmental management and
kelestarian lingkungan hidup dilakukan dengan memastikan conservation system. The Bank’s efforts to preserve the
bisnis Bank Banten berjalan tanpa merusak lingkungan. environment are carried out by ensuring that the Bank’s
business runs without damaging the environment.
KINERJA PERFORMANCE
1. Biaya Lingkungan Hidup [F.4] 1. Environmental Costs [F.4]
Di tahun 2025, Bank sudah mengalokasikan dana In 2025, the Bank has allocated funds for the environment,
untuk lingkungan hidup salah satunya untuk revitalisasi one of which is for environmental revitalization through
lingkungan melalui skema Bantuan atau TJSL sejumlah the CSR scheme of Rp297 million, an increase of 0.11%
Rp297 juta meningkat sebesar 0,11% dari tahun 2024 from 2024 of Rp267 million.
sebesar Rp267 juta.
2. Penggunaan Material Ramah Lingkungan 2. Use of Environmentally Friendly Materials
Sebagai entitas yang bergerak di industri jasa As a company operating in the financial services
keuangan, material utama yang digunakan untuk industry, most of the raw materials used by the Bank for
kegiatan operasional bank adalah kertas. Bank Banten operational activities are paper. In an effort to contribute
senantiasa berupaya menggunakan kertas yang telah to the environment, the Bank strives to use paper that is
bersertifikasi FSC (Forest Stewardship Council). Selain FSC (Forest Stewardship Council) certified. Apart from
itu, Bank Banten juga berupaya untuk melakukan that, Bank Banten is also trying to save paper through
penghematan kertas melalui pemanfaatan teknologi the use of technology, where document archiving and
dimana pengarsipan dokumen, kegiatan surat menyurat correspondence activities are carried out digitally.
dilakukan melalui digital.
Upaya pengurangan penggunaan kertas dilakukan To reduce usage and avoid waste, paper users are
dengan melakukan pengecekan secara teliti sebelum reminded to check the manuscript to be printed carefully
pencetakan dokumen untuk meminimalisir pencetakan so that they only need to print once and do not need
ulang, serta memanfaatkan sisi kertas yang masih to reprint it. The paper used should also be used back
kosong. Sementara untuk kertas yang sudah tidak bisa and forth on the side of the paper that is still empty.
dimanfaatkan lagi, Perusahaan menyediakan tempat Meanwhile, for paper that can no longer be used, the
penumpukan kertas tak terpakai yang nantinya akan Company provides a storage place for unused paper,
diserahkan kepada pihak ketiga untuk proses didaur which will later be handed over to a third party for
ulang. recycling.
Sepanjang tahun 2025, penggunaan kertas Bank Throughout 2025, the Bank’s paper usage was recorded
tercatat sebesar 1.162 Rim, menurun dibanding at 1,162 reams, a decrease compared to 2024 of 1,209
tahun 2024 sebanyak 1.209 Rim. Penurunan terjadi reams. The decrease occurred due to reduced paper
karena berkurangnya penggunaan kertas dengan usage by using the unused side of the paper sheet.
menggunakan sisi lembar kertas yang belum terpakai.
410 Laporan Tahunan & Laporan Keberlanjutan 2025
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Bank Banten senantiasa mendukung inovasi dalam Bank Banten always supports innovation in the use of
Laporan Keberlanjutan ∙ Sustainability Report
pemanfaatan energi terbarukan. Hingga akhir tahun renewable energy. As of the end of 2025, the Company
2025, Perusahaan belum memanfaatkan sumber energi has not utilized renewable resources. However, the
terbarukan. Namun, Perusahaan akan terus mengkaji Company will continue to review in depth the use of
secara mendalam mengenai pemanfaatan sumber renewable resources. This is in line with its commitment
daya terbarukan. Hal ini sejalan dengan komitmennya to implementing social and environmental responsibilities
dalam melaksanakan tanggung jawab sosial dan and contributing to sustainable development.
lingkungan serta berkontribusi terhadap pembangunan
berkelanjutan.
3. Pengelolaan Limbah 3. Waste Management
Pelaksanaan aktivitas bisnis Bank Banten tentunya Bank Banten’s business activities certainly produce
menghasilkan limbah, baik padat mau pun cair yang solid and liquid waste consisting of non-B3 waste and
terdiri dari limbah non B3 dan limbah B3. Limbah non B3 waste. Non-B3 waste includes non-hazardous waste
B3 mencakup limbah tidak berbahaya yang berasal from daily office activities, such as garbage, paper, office
dari aktivitas perkantoran sehari-hari, seperti sampah, stationery, and wastewater from domestic activities such
kertas, alat tulis kantor (ATK), serta limbah air dari as Bathing, Washing, Toilets. Meanwhile, B3 waste is
kegiatan domestik seperti Mandi, Cuci, Kakus (MCK). hazardous waste generated from the Bank's vehicle
Sementara itu, limbah B3 merupakan limbah berbahaya operations, such as car battery waste and used oil.
yang dihasilkan dari operasional kendaraan Bank,
seperti limbah aki bekas dan oli.
Pengelolaan limbah Bank Banten dilakukan bekerja Bank Banten’s waste management is carried out by
sama dengan pihak ketiga yang berizin dan kompeten. collaborating with competent third parties. Non-B3 solid
Limbah padat non B3 dikelola oleh Dinas Kebersihan waste is managed by the Regency and City Government
setempat untuk dibuang ke Tempat Pembuangan Cleaning Service to be disposed of at the Final Disposal
Akhir (TPA), sementara limbah cair non B3 ditangani Site (TPA), while non-B3 liquid waste is handled through
melalui sistem septik tank dan diangkut serta dikelola a septic tank system and transported and managed
oleh penyedia jasa yang berizin. Adapun limbah B3 by licensed service providers. Meanwhile, B3 waste is
diserahkan kepada pihak ketiga yang memiliki izin dan handed over to third parties who have official permits
sertifikasi resmi. and certifications.
Di tahun 2025, tidak terdapat tumpahan yang terjadi In 2025, there were no operational spills. Given the
akibat operasional. Melihat aktivitas bisnis Perusahaan Company’s business activities in the banking sector,
di sektor perbankan, sehingga tidak terdapat tumpahan no spills occurred. Furthermore, the Company has not
yang terjadi. Selain itu, Perusahaan belum melakukan regularly calculated the amount of waste generated.
perhitungan terhadap jumlah limbah yang dihasilkan However, in its implementation, the Company has
secara berkala. Namun, dalam implementasinya reduced paper use in office administration and shifted
Perusahaan telah mengurangi penggunaan kertas to utilizing technology. This step is quite effective and
dalam administrasi kantor dan mengalihkannya dengan efficient in supporting more environmentally friendly
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
memanfaatkan teknologi. Langkah ini cukup efektif dan banking performance.
efisien untuk mendukung kinerja perbankan yang lebih
ramah lingkungan.
2025 Annual Report & Sustainability Report 411
Page 414
4. Penggunaan Energi 4. Energy Usage
Bank Banten menggunakan energi listrik dan Bahan Bank Banten uses electrical energy and Fuel Oil in its
Bakar Minyak (BBM) dalam kegiatan operasionalnya. operational activities. To reduce energy use, the Bank
Untuk menekan penggunaan energi, Bank melakukan makes various efforts, including:
berbagai upaya, di antaranya:
1. Menggunakan penerangan dengan lampu LED yang 1. Using environmentally friendly LED lighting.
lebih ramah lingkungan.
2. Meminimalisir perjalanan dinas untuk menghemat 2. Minimizing business travel to conserve fuel.
bahan bakar.
3. Menggunakan pendingin ruangan secukupnya dan 3. Using air conditioning sparingly and turning it off
di matikan apabila jam kerja telah selesai. when work hours are over.
4. Penggunaan mesin cetak/printer dengan jumlah 4. Using printers efficiently and according to needs.
yang efisien dan sesuai kebutuhan.
Aktivitas penggunaan energi yang dilakukan Bank Bank Banten’s energy usage activities throughout 2025
Banten di sepanjang tahun 2025 adalah sebagai berikut: are as follows:
Deskripsi / Description Satuan / Unit 2025 2024 2023
Penggunaan Listrik / Electricity Usage Kwh 3.062147* 3.307.696 3.141.902
Gigajoule 11.023 11.907 11.310
Penggunaan BBM – Pertalite / Fuel Usage – Liter 350.281 350.922 355.225
Pertalite 11.979 12.001 12.149
*) Perhitungan I3 TM di atas 200 KVA – 30.000 KVA Rp. Rp. 1.035/kwh *) Calculation of I3 TM above 200 KVA – 30,000 KVA Rp. Rp. 1,035/kwh
**) Perhitungan 1 liter = 0,0342 Gj **) Calculation of 1 liter = 0.0342 GJ
5. Pemakaian Air 5. Water Usage
Untuk mendukung operasional kantor sehari-hari, To support daily office operations, including Bathing,
termasuk keperluan Mandi, Cuci, Kakus (MCK) Bank Washing, Toilet needs, Bank Banten obtains water
Banten menggunakan air yang berasal dari PDAM. Bank supply from PDAM. The Bank is aware of the importance
menyadari bahwa pengelolaan air yang bijak merupakan of wise water management to prevent clean water
bagian penting guna mencegah kelangkaan air bersih. shortages. Therefore, various water-saving measures
Oleh karena itu, berbagai langkah penghematan air are implemented, such as water-saving campaigns,
diterapkan, seperti kampanye hemat air, pengurangan reducing the consumption of Bottled Drinking Water in
konsumsi Air Minum Dalam Kemasan dalam setiap every activity, and limiting the use of water for washing
kegiatan, serta pembatasan penggunaan air untuk official vehicles in the office premises.
mencuci kendaraan dinas di lingkungan kantor.
Penggunaan air oleh Bank Banten sepanjang tahun Water usage by Bank Banten throughout 2024 is as
2025 adalah sebagai berikut: follows:
Deskripsi / Description Satuan / Unit 2025 2024 2023
Air PDAM / PDAM Water Rp 182.812.250 167.733.264 186.210.027
M3* 36.562 33.546 37.242
*) Perhitungan 1 M3=Rp5.000 *) Calculation 1 m3 = Rp. 5,000
412 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 415
6. Emisi 6. Emissions
Laporan Keberlanjutan ∙ Sustainability Report
Kegiatan operasional Bank Banten menghasilkan emisi Bank Banten's operational activities produce emissions
yang bersumber dari dua aspek utama, yaitu pemakaian from two main aspects, namely fuel consumption and
bahan bakar dan konsumsi energi listrik di lingkungan electricity consumption. In reporting greenhouse gas
kantor. Dalam pelaporan emisi gas rumah kaca (GRK), (GHG) emissions, the Bank only includes emissions
Bank hanya mencakup emisi dari Cakupan 1 dan from Scope 1 and Scope 2, namely emissions from fuel
Cakupan 2, yakni emisi yang berasal dari penggunaan use and electricity use.
bahan bakar serta pemakaian listrik.
Adapun perhitungan GRK untuk Cakupan 1 dan 2 The calculation of GHG for Scope 1 and 2 is carried out
dilakukan berdasarkan metode yang telah ditetapkan. based on established methods.
Berikut adalah tabel emisi yang dihasilkan oleh Bank The following is a table of emissions produced by Bank
Banten sepanjang tahun 2025. Banten throughout 2025.
Sumber Emisi* / Sources of Emissions* Satuan / Unit 2025 2024 2023
BBM Ton CO2 -eq 2,863 2,868 2,903
Listrik Ton CO2 -eq 2,634 2,845 2,703
Total Ton CO2 -eq 5,497 5,713 5,606
*) Perhitungan 1 GJ = 0.23900574 Ton CO2 -eq *) Calculation 1 GJ = 0.23900574 Ton CO2 -eq
7. Keanekaragaman Hayati 7. Biodiversity
Bank Banten bergerak di sektor jasa keuangan, Bank Banten operates in the financial services sector,
dimana kegiatan operasional tidak bersinggungan where its operations do not have a direct impact on
secara langsung dengan kawasan yang memiliki biodiversity. However, Bank Banten remains highly
nilai keanekaragaman hayati. Namun, Bank Banten committed to supporting the preservation of biodiversity,
berkomitmen tinggi dalam mendukung pelestarian especially in maintaining the ecosystem habitat and
keanekaragaman hayati, terutama dalam menjaga flora and fauna around operational areas through
habitat ekosistem serta flora dan fauna di sekitar reforestation programs. Bank Banten also always
area operasional melalui program penghijauan. Bank ensures compliance with applicable regulations in all its
Banten senantiasa memastikan kepatuhan terhadap activities.
seluruh ketentuan peraturan yang berlaku dalam setiap
aktivitasnya.
8. Aspek Pengaduan Lingkungan Hidup 8. Environmental Complaints Aspect
Sepanjang periode pelaporan, Bank Banten tidak Throughout the reporting period, Bank Banten did not
terdapat adanya pengaduan masyarakat terkait receive any public complaints related to the environment.
lingkungan hidup yang tertuju kepada Perusahaan. Bank Banten is committed to operating in compliance
Bank Banten berkomitmen menjalankan operasional with environmental regulations.
dengan mematuhi ketentuan mengenai lingkungan
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
hidup.
2025 Annual Report & Sustainability Report 413
Page 416
Kinerja Keberlanjutan – Sosial
Sustainable Performance – Social
ASPEK KEPEGAWAIAN EMPLOYMENT ASPECTS
Pengelolaan Sumber Daya Manusia (SDM) dilakukan Human Capital (HC) management is conducted based on the
dengan berlandaskan prinsip keadilan, kesetaraan dan principles of justice, equal opportunity, and inclusiveness.
inklusivitas. Bank Banten berkomitmen untuk memberikan Bank Banten is committed to providing equal opportunities
kesempatan yang sama bagi setiap individu, tanpa for every individual, regardless of gender, ethnicity, religion,
membedakan gender, suku, agama, ras, status sosial, race, social status, or physical condition. In addition, Bank
maupun kondisi fisik. Selain itu, Bank Banten juga turut andil Banten also plays a role in maintaining and preserving
menjaga dan memelihara Hak Asasi Manusia (HAM), serta Human Rights (HAM), and preventing all forms of sexual
mencegah segala bentuk pelecehan seksual yang dapat harassment that may occur in the Company's environment.
terjadi di lingkungan Perusahaan. Komitmen ini tercermin This commitment is reflected in the recruitment process,
dalam proses rekrutmen, program pengembangan employee development programs, and compensation and
karyawan, serta sistem kompensasi dan tunjangan yang benefits systems that are applied fairly. [F.18]
diterapkan secara adil. [F.18]
PENGELOLAAN KARYAWAN EMPLOYEE MANAGEMENT
Pengelolaan SDM Bank Banten dilakukan secara Human Capital (HC) Management at Bank Banten covers
komprehensif dan menyeluruh, mulai dari proses rekrutmen the entire work cycle, from recruitment to retirement.
hingga masa pensiun. Dengan pedoman kebijakan yang With comprehensive policy guidelines, the Bank ensures
berlaku, Bank Banten memastikan kepatuhan terhadap compliance with all applicable employment regulations in
seluruh peraturan ketenagakerjaan sesuai dengan Indonesia.
peraturan yang berlaku di Indonesia.
Bank Banten menerapkan kerangka kompetensi dan Bank Banten implements a structured competency
uraian jabatan yang terstruktur, dengan menggunakan framework and job descriptions, using a competency
kamus kompetensi sebagai acuan dalam penempatan dan dictionary as a reference in the placement and management
pengelolaan tenaga kerja. Pendekatan ini memungkinkan of the workforce. This approach allows the Bank to identify
Bank Banten untuk mengidentifikasi dan mengatasi and address competency gaps through ongoing training and
kesenjangan kompetensi melalui program pelatihan development programs, so that it can optimize employee
dan pengembangan berkelanjutan, sehingga dapat potential to the maximum.
mengoptimalkan potensi karyawan secara maksimal.
Fungsi pengelolaan SDM Perusahaan berada di bawah The Company’s HC management function is under the
koordinasi Divisi Human Capital & Transformation yang coordination of the Human Capital & Transformation
bertanggung jawab merancang dan mengimplementasikan Division, which is responsible for designing and
program pengembangan SDM agar selaras dengan implementing HC development programs to align with the
lanskap bisnis yang berkembang, kebutuhan Bank Banten, evolving business landscape, Bank Banten's needs, and
dan harapan nasabah. customer expectations.
Sepanjang tahun 2025, Divisi Human Capital & Transformasi Throughout 2025, the Human Capital & Transformation
menjalankan serangkaian kebijakan lain, sebagai berikut: Division implemented a series of other policies, as follows:
1. Penerapan Sistem Manajemen Anti Penyuapan 1. Implementing the Anti-Bribery Management System
(SMAP) dalam proses rekrutmen, promosi dan mutasi (SMAP) in the recruitment, promotion, and transfer
serta menyediakan program peningkatan kompetensi processes, as well as providing employee competency
karyawan terkait dengan implementasi SMAP. improvement programs related to the SMAP
implementation.
414 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 417
Kinerja Keberlanjutan – Sosial
Sustainable Performance – Social
Laporan Keberlanjutan ∙ Sustainability Report
2. Implementasi kebijakan Laporan Harta Kekayaan 2. Implementing the State Officials’ Wealth Report
Pejabat Negara (LHKPN). (LHKPN) policy.
3. Secara continue melakukan review terhadap kebijakan 3. Continuously reviewing employee remuneration policies.
remunerasi karyawan.
4. Penyediaan fasilitas Kredit Karyawan. 4. Providing Employee Credit Facilities.
PROGRAM KERJA PENGEMBANGAN SDM HC DEVELOPMENT WORK PROGRAM
Dalam mendukung pertumbuhan Bank Banten dan In supporting Bank Banten’s growth and strengthening
penguatan daya saing, pengembangan kompetensi its competitiveness, competency development plays a
memiliki peran strategis dengan tujuan sebagai berikut: strategic role with the following objectives:
1. Meningkatkan Produktivitas dan Kinerja Karyawan. 1. Improving Employee Productivity and Performance.
2. Mendukung Strategi Bisnis dan Inovasi. 2. Supporting Business Strategy and Innovation.
3. Meningkatkan Kepuasan dan Retensi Karyawan. 3. Increasing Employee Satisfaction and Retention.
4. Mempersiapkan Pemimpin Masa Depan (Succession 4. Preparing Future Leaders (Succession Planning).
Planning).
5. Meningkatkan Daya Saing Organisasi. 5. Enhancing Organizational Competitiveness.
6. Memastikan Kepatuhan terhadap Regulasi dan Standar 6. Ensuring Compliance with Regulations and Industry
Industri. Standards.
KEBIJAKAN REKRUTMEN BANK BANK RECRUITMENT POLICY
Menghadapi persaingan industri perbankan yang sangat Facing increasingly competitive banking industry conditions,
semakin kompetitif, pemenuhan kebutuhan terhadap SDM the need for professional and qualified human capital is also
profesional dan berkualitas pun semangkin tinggi. Oleh increasing. Therefore, Bank Banten places the selection and
karena itu, Bank Banten menempatkan fungsi seleksi dan recruitment function as a strategic component of its human
rekrutmen sebagai bagian strategis dalam pengelolaan capital management. The recruitment process is planned,
SDM. Proses rekrutmen dilakukan secara terencana, transparent, and competency-based to ensure a match
transparan, dan berbasis kompetensi guna memastikan between organizational needs and candidate qualifications.
kesesuaian antara kebutuhan organisasi dan kualifikasi
kandidat.
Bank melaksanakan proses rekrutmen melalui beberapa The Bank carries out the recruitment process through
program sebagai berikut: several programs as follows:
1. Rekrutmen Entry Level 1. Entry Level Recruitment
Program penerimaan calon pegawai yang diperuntukkan A program for recruiting prospective employees intended
bagi freshgraduate, pengalaman bank/non-bank for fresh graduates, bank/non-bank experience to meet
memenuhi kebutuhan di level jabatan staf/officer. the needs at the staff/officer level.
2. Rekrutmen Professional Hire 2. Professional Hire Recruitment
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Program penerimaan calon pegawai yang diperuntukkan A program for recruiting prospective employees intended
bagi yang memiliki kompetensi dan pengalaman bidang for those who have competence and experience in
dan jabatan tertentu sesuai dengan kebutuhan Bank. certain fields and positions according to the Bank’s
needs.
2025 Annual Report & Sustainability Report 415
Page 418
Bank menjamin bahwa seluruh proses rekrutmen The Bank ensures that the recruitment process is carried
dilaksanakan secara transparan dan adil, dengan out transparently and fairly, upholding the principle of
menjunjung tinggi prinsip kesetaraan gender serta gender equality and based on the required qualifications.
berlandaskan pada kualifikasi yang dibutuhkan. Prinsip This principle of equal employment opportunities is the main
kesetaraan kesempatan kerja ini menjadi pedoman utama guideline in selecting the best people to join as part of Bank
dalam memilih insan terbaik untuk bergabung sebagai Banten.
bagian dari Bank Banten.
Sistem rekrutmen di Bank Banten dilakukan melalui jalur The recruitment system at Bank Banten is carried out
internal dan eksternal. Rekrutmen internal mencakup through internal and external channels. Internal recruitment
promosi, rotasi, dan demosi, sementara rekrutmen includes promotion, rotation, and demotion, while external
eksternal dilakukan melalui seleksi bagi freshgraduate serta recruitment is carried out through selection for fresh
perekrutan tenaga ahli atau profesional sesuai dengan graduates and recruitment of experts or professionals
kebutuhan Bank. according to the Bank's needs.
Berdasarkan proses rekrutmen pada tahun 2025, Bank Based on the recruitment process in 2025, Bank Banten
Banten berhasil menjaring karyawan baru sebanyak successfully recruited 129 new employees, which increased
129 orang, meningkat sebesar 47% dari tahun lalu yang by 47% from last year’s 88 people. The fulfillment of the
sebesar 88 orang. Pemenuhan kebutuhan jumlah SDM ini need for the number of human capital refers to workforce
mengacu pada perencanaan tenaga kerja sesuai dengan planning, according to the estimated calculation of the
estimasi perhitungan jumlah karyawan pensiun, pergantian number of retired employees, employee turnover, and
karyawan, dan ekspansi jaringan usaha. Sementara itu, business network expansion. Meanwhile, the number of
jumlah karyawan yang berhenti tercatat sebanyak 79 orang. employees who resigned was recorded at 79 people. Bank
Berikut tabel perputaran karyawan Bank Banten dalam 2 Banten employee turnover in the last 2 (two) years is as
(dua) tahun terakhir. follows.
2025 2024
Tabel Tingkat Perputaran Karyawan /
Employee Turnover Rate Table Laki-Laki / Perempuan / Laki-Laki / Perempuan /
Male Female Male Female
Karyawan Masuk (rekrutmen) / Recruitment 50 79 25 63
Karyawan Keluar / Outgoing Employees 43 36 - -
Pensiun alami / Regular retirement 6 2 3 1
Meninggal / Passed away 1 2 1 0
Mengundurkan diri* / Resign*
- Atas Permintaan Sendiri / At Own Request 19 24 21 19
- Tidak Berkinerja Baik / Not performing well - 1 3 0
- Kontrak Berakhir / Contract Expires - 1 0 0
Diberhentikan Karena Melakukan Pelanggaran / Dismissed for 17 6 10 1
Misconduct
Persentase Turn Over / Turnover Percentage 54% 46% 56% 44%
Para kandidat yang dinyatakan lolos proses rekrutmen, For employee candidates who have passed recruitment,
Perusahaan mewajibkan mereka untuk menjalani the Company requires them to undergo further employment
mekanisme kepegawaian lanjutan sesuai ketentuan yang mechanisms. Those who meet the requirements will
berlaku. Bagi kandidat yang memenuhi persyaratan akan become permanent employees. For new permanent
diangkat menjadi pegawai tetap. Untuk pegawai tetap baru, employees, the Company provides a minimum wage equal
Perusahaan memberikan upah minimal sama (1:1) dengan to (1:1) the Regional Minimum Wage where the employee
Upah Minimum Regional di tempat pegawai tersebut works. [F.20]
bekerja. [F.20]
416 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 419
Bank Banten menerapkan kebijakan remunerasi Bank Banten implements a fair and transparent
Laporan Keberlanjutan ∙ Sustainability Report
yang adil dan transparan, tanpa diskriminasi, serta remuneration policy, without discrimination, and is based on
mempertimbangkan jabatan, masa kerja, dan pencapaian position, length of service, and performance achievement.
kinerja. Struktur dan skala pengupahan ditetapkan sesuai The wage structure and scale are determined in accordance
dengan regulasi yang berlaku dan dievaluasi secara with applicable regulations and are evaluated periodically
berkala tanpa membedakan gender. Selain itu, Bank without distinguishing gender. In addition, Bank Banten
Banten memastikan bahwa remunerasi dan tunjangan ensures that remuneration and benefits are provided to all
diberikan kepada seluruh karyawan, baik yang berstatus employees, both permanent and non-permanent.
tetap maupun tidak tetap.
Remunerasi di Bank Banten diberikan berdasarkan tiga Remuneration at Bank Banten is given based on three
kelompok status karyawan, yaitu pegawai tetap, pegawai groups of employee status, namely permanent employees,
tidak tetap (kontrak), dan pegawai dalam masa percobaan non-permanent employees (contracts), and employees on
(probation). Status ini memengaruhi jenis pekerjaan serta probation. This status affects the type of work and benefits
tunjangan yang diterima oleh masing-masing karyawan. received by each employee.
Adapun kebijakan remunerasi yang ditempuh Bank Banten The remuneration policy adopted by Bank Banten is as
adalah: follows:
1. Mengembangkan sistem remunerasi yang berbasis 1. Develop a remuneration system based on performance
pencapaian kinerja (merit system) yang terdiri dari achievement (merit system), consisting of fixed
remunerasi yang bersifat tetap dan remunerasi yang remuneration and variable remuneration.
bersifat variabel.
2. Menyesuaikan kebijakan remunerasi dengan tetap 2. Adjust the remuneration policy while still paying attention
memperhatikan rasio BTK terhadap pencapaian to the BTK ratio to business achievements in accordance
bisnis sesuai dengan standar dan strategi yang telah with the standards and strategies set by the Company.
ditetapkan Perusahaan.
3. Menerapkan upah minimum karyawan yang berlaku di 3. Implement the minimum employee wage that will apply
tahun 2024 sesuai ketentuan yang berlaku. in 2024 in accordance with applicable regulations.
4. Meninjau dan menyesuaikan Kembali kebijakan 4. Review and readjust the current remuneration policy
remunerasi yang berlaku saat ini sesuai Peraturan in accordance with the Financial Services Authority
Otoritas Jasa Keuangan (POJK) yang paling sedikit Regulations (POJK), which at least contain:
memuat:
a. Struktur remunerasi: Skala Remunerasi berdasarkan a. Remuneration structure: Remuneration scale based
tingkat dan jabatan; dan on level and position; and
b. Komponen remunerasi: Metode dan mekanisme b. Remuneration components: Methods and
penetapan remunerasi. mechanisms for determining remuneration.
Selain memberikan remunerasi, Bank Banten juga In addition to providing remuneration, the Bank also
memberikan fasilitas dan manfaat bagi karyawan yang provides facilities and benefits for employees whose types
jenis dan besarannya disesuaikan dengan jenjang jabatan and amounts are adjusted to the employee’s level of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
karyawan, antara lain: position, including:
2025 Annual Report & Sustainability Report 417
Page 420
a. Fasilitas Kesehatan a. Health Facilities Bank Banten memberikan fasilitas kesehatan berupa Bank Banten provides health facilities in the form of a Tunjangan Kesehatan sebesar satu kali nominal Health Benefit equal to one nominal salary each year. gaji setiap tahunnya. Selain itu, Bank Banten juga Apart from that, the Bank also includes employees and mengikutsertakan pegawai beserta keluarganya dalam their families in health insurance organized by BPJS asuransi kesehatan yang diselenggarakan oleh BPJS Kesehatan and independent health insurance, where Kesehatan maupun asuransi kesehatan mandiri dimana this facility aims to provide protection and insurance fasilitas ini bertujuan untuk memberikan proteksi dan coverage costs to employees and their families when biaya pertanggungan asuransi kepada karyawan serta undergoing health checks or treatment in the hospital, keluarganya ketika menjalani pemeriksaan kesehatan including guarantees for employees and their wives who atau perawatan di rumah sakit, termasuk jaminan bagi are in labor. In order to make this program a success, karyawan dan istri karyawan yang menjalani persalinan. the Company has conducted outreach regarding Guna menyukseskan program ini, Perusahaan telah BPJS Kesehatan and independent health insurance melakukan sosialisasi mengenai BPJS Kesehatan to employees so that they can understand the BPJS dan asuransi kesehatan mandiri kepada pegawai agar Kesehatan and independent health insurance programs dapat memahami tentang program BPJS Kesehatan both conceptually and technically in implementation. The dan asuransi kesehatan mandiri baik secara konsep Bank also provides First Aid (P3K) facilities available at maupun teknis pelaksanaannya. Bank juga melengkapi each service office for employee needs. fasilitas Pertolongan Pertama Pada Kecelakaan (P3K) yang tersedia di setiap kantor layanan untuk keperluan pegawai. b. Fasilitas Kesejahteraan b. Well-Being Bank Banten juga memberikan manfaat kesejahteraan The Bank also provides other welfare benefits to lain kepada karyawan berupa Tunjangan Hari Raya employees in the form of a Holiday Allowance (THR) of (THR) sebesar satu kali nominal gaji setiap tahunnya. one nominal salary each year. c. Cuti Melahirkan c. Maternity Leave Bank Banten menghargai hak setiap karyawan dan telah The Bank respects the rights of every employee and mengaturnya sesuai dengan ketentuan ketenagakerjaan has regulated them in accordance with applicable yang berlaku, di antaranya adalah hak istirahat bersalin employment regulations, including the right to maternity bagi pegawai perempuan. rest for female employees. Bank Banten memberikan cuti melahirkan agar para The Bank provides maternity leave so that female pekerja perempuan dapat menyiapkan kelahiran workers can prepare well for the birth of their child. anaknya dengan baik. Adapun Hak Istirahat Bersalin The Maternity Break Rights granted are for 3 (three) yang diberikan adalah selama 3 (tiga) bulan, yakni 1,5 months, namely 1.5 (one and a half) months before (satu setengah) bulan sebelum melahirkan dan 1,5 giving birth and 1.5 (one and a half) months after giving (satu setengah) bulan sesudah melahirkan menurut birth, according to the calculation of the Obstetrician or perhitungan Dokter Kandungan atau Bidan. Sementara Midwife. Meanwhile, female employees who experience itu, pegawai perempuan yang mengalami keguguran a miscarriage are entitled to rest for 1.5 (one and a kandungan berhak memperoleh istirahat 1,5 (satu half) months after the miscarriage in accordance with setengah) bulan setelah peristiwa keguguran sesuai the obstetrician or midwife’s certificate. The provisions dengan surat keterangan Dokter Kandungan atau regarding Maternity Break refer to Article 82 of Law Bidan. Ketentuan tentang Istirahat Bersalin tersebut No. 13 of 2003 concerning Employment. On the other merujuk pada Pasal 82 Undang-Undang No. 13 Tahun hand, for male workers whose wives give birth, the 418 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 421
2003 tentang Ketenagakerjaan. Di sisi lain, bagi para Bank provides a Special Non-Working Permit for 1 (one)
Laporan Keberlanjutan ∙ Sustainability Report
pekerja pria yang istrinya melahirkan, Perusahaan day. Special permission was given so that he could
memberikan Izin Tidak Bekerja Khusus selama 1 accompany his wife to prepare for the birth process well.
(satu) hari. Pemberian izin khusus diberikan agar
bisa mendampingi istrinya guna menyiapkan proses
kelahiran dengan baik.
Selama tahun 2025, karyawan yang mengajukan cuti During 2025, 32 employees applied for maternity leave
melahirkan dan cuti ayah sebanyak 32 orang yang and paternity leave, consisting of 23 female employees
terdiri dari 23 karyawan perempuan dan 9 karyawan and 9 male employees, and 100% of employees returned
laki-laki dan 100% karyawan yang kembali bekerja ke to work at the Bank after the leave period ended.
Bank Banten setelah masa cuti berakhir.
DEMOGRAFI KARYAWAN EMPLOYEE DEMOGRAPHICS
Per 31 Desember 2025, jumlah karyawan Bank Banten As of December 31, 2025, the total number of Bank Banten
tercatat sebanyak 904 orang. Jumlah tersebut mengalami employees was recorded at 904 people, which increased by
perubahan peningkatan sebesar 9% atau sebanyak 75 9% or 75 employees compared to the previous fiscal year,
orang jika dibandingkan dengan jumlah karyawan di tahun which was recorded at 829 people.
buku sebelumnya yang tercatat sebanyak 829 orang.
Tabel Jumlah Karyawan 3 (Tiga) Tahun Terakhir Total Employees for the Last 3 (Three) Years
2025 2024 2023
Karyawan / Employees 904 829 829
Informasi terkait demografi karyawan Bank Banten Information on the employee demographics of Bank Banten
berdasarkan status kepegawaian, usia, jenjang pendidikan, based on employment status, age, education level, and
tingkat jabatan telah disajikan dalam bab Profil Perusahaan position level has been presented in the Company Profile
dalam Laporan Tahunan ini. chapter of this Annual Report.
PENGEMBANGAN KOMPETENSI EMPLOYEE COMPETENCY DEVELOPMENT
KARYAWAN
Bank Banten menyadari bahwa keberlanjutan bisnisnya Bank Banten is aware that the sustainability of its business
sangat ditentukan oleh kualitas dan kapabilitas Sumber is highly dependent on the role of Human Capital (HC).
Daya Manusia (SDM). Karyawan memiliki peran krusial Employees have a crucial role in maintaining operational
dalam menjaga stabilitas operasional dan meningkatkan stability and improving the Bank's performance, especially
kinerja Bank, khususnya di tengah dinamika dan perubahan in an era of rapid business change. Therefore, Bank Banten
industri yang berlangsung cepat. Oleh karena itu, Bank is committed to developing agile and adaptive HC through a
Banten berkomitmen untuk mengembangkan SDM yang comprehensive employee development program.
tangkas dan adaptif melalui program pengembangan
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
karyawan yang komprehensif.
2025 Annual Report & Sustainability Report 419
Page 422
Program pendidikan dan pelatihan Bank dilakukan secara The Bank's education and training programs are carried
internal dan eksternal. Program tersebut disusun dengan out internally and externally. The program is designed with
tujuan untuk mencapai efektivitas dan efisiensi proses the aim of achieving learning effectiveness and efficiency.
pembelajaran. Dalam implementasinya, Perusahaan In its implementation, the Company always provides
senantiasa memberikan kesempatan yang sama kepada equal opportunities for all employees to advance and
seluruh karyawan untuk maju dan berkembang berdasarkan develop based on their potential, expertise, and available
potensi, keahlian, dan peluang yang tersedia. opportunities.
Di tahun 2025, Bank Banten telah melakukan program In 2025, Bank Banten conducted 166 human capital
pengembangan SDM sebanyak 166 pelatihan yang telah development training programs, attended by 6,685
diikuti oleh sebanyak 6.685 karyawan dengan realisasi employees, with a budget realization of Rp1.64 billion.
anggaran sebesar Rp1,64 miliar. Informasi mengenai Information on the human capital development work
program kerja pengembangan SDM dalam Bab Tinjauan program is provided in the Business Support Unit Review
Unit Pendukung Bisnis pada laporan ini chapter of this report.
BIAYA PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT COSTS
Setiap tahun, Bank Banten menyediakan anggaran Every year, Bank Banten provides a training and
pelatihan dan pengembangan yang jumlahnya ditentukan development budget, the amount of which is determined
berdasarkan kebutuhan, dengan tetap mempertimbangkan based on needs, while taking into account the Bank’s
kemampuan keuangan Bank. Pada tahun 2025, Bank financial capabilities. In 2025, Bank Banten realized training
Banten merealisasikan biaya pelatihan dan pengembangan and development costs of Rp1.64 billion, equivalent to 24%
sebesar Rp1,64 miliar, setara dengan 24% dari anggaran of the Rp6.62 billion budget.
yang ditetapkan sebesar Rp6,62 miliar.
Hal ini selaras dengan rencana bisnis Bank untuk melakukan This is in line with the Bank’s business plan to carry out
program optimalisasi sehingga beberapa kegiatan pelatihan an optimization program so that several training and
dan pengembangan dilakukan secara daring dengan tetap development activities are carried out online, while
memperhatikan efektivitas pelaksanaan dan kebutuhan considering the effectiveness of implementation and
karyawan dalam meningkatkan motivasi kerja, kompetensi employee needs in increasing employee work motivation,
serta kapabilitas karyawan. competence, and capabilities.
Adapun rincian biaya pelatihan dan pengembangan tahun The details of training and development costs in 2025 are
2025, sebagai berikut: as follows:
No Program Biaya / Costs
1 Teknis / Technical 1.409.115.618
2 Non Teknis / Non-Technical 178.844.513
3 Kepemimpinan / Leadership 56.959.501
Total 1.644.919.632
Dengan menggunakan sumber daya dari internal By using internal company resources, each division
perusahaan, dari setiap divisi unit kerja Kantor Pusat of the Head Office work unit provides training material
memberikan program materi pelatihan kepada seluruh programs to all Bank Banten employees starting from the
karyawan Bank Banten mulai dari bidang Produk Bank, areas of Bank Products, Credit Analysis, Service Funds,
Analis Kredit, Dana Jasa, Manajemen Risiko, Kepatuhan, Risk Management, Compliance, Internal Audit, Banking
Audit Internal, Akuntansi Perbankan, operasional & Accounting, operational & transactional Banks, Credit
transaksional Bank, Administrasi Kredit, Credit Review, Administration, Credit Review, Information and technology,
Informasi dan teknologi, digital banking, hukum dan human digital banking, law, and human capital.
capital.
420 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 423
ASPEK KESEHATAN DAN KESELAMATAN OCCUPATIONAL HEALTH AND SAFETY
Laporan Keberlanjutan ∙ Sustainability Report
KERJA (K3) (OHS) ASPECT
Komitmen Bank Banten dalam menyediakan lingkungan Bank Banten’s commitment to guarantee a decent,
kerja yang layak, aman, dan sehat diwujudkan melalui safe, and healthy working environment is realized in the
penerapan prinsip Keselamatan dan Kesehatan Kerja (K3). implementation of OHS. This is in accordance with Law No.
Hal ini sesuai dengan Undang-Undang No. 1 tahun 1970 1 of 1970 concerning Occupational Safety and Health and
tentang Keselamatan dan Kesehatan Kerja dan Peraturan Minister of Manpower Regulation No. 5 of 1996 concerning
Menteri Tenaga Kerja No. 5 tahun 1996 tentang Sistem Occupational Safety and Health Management Systems.
Manajemen Keselamatan dan Kesehatan Kerja.
Adapun langkah yang telah dilakukan Bank Banten dalam The steps that Bank Banten has taken in an effort to provide
upaya menyediakan lingkungan kerja yang layak, aman, a decent, safe, and comfortable working environment for
dan nyaman bagi karyawannya, antara lain: toilet bersih, its employees include: clean toilets, pantry rooms, smoke
ruang pantry, alat pendeteksi asap, alat pemadam api detectors, fire extinguishers, places of worship, and vehicle
ringan (APAR), tempat ibadah, dan area parkir kendaraan parking.
yang memadai.
Bank Banten akan terus menciptakan lingkungan kerja Bank Banten will continue creating a healthy and safe
yang sehat, aman, serta membangun hubungan kerja working environment, as well as building a harmonious
yang harmonis antara Bank dan seluruh karyawan. Salah working relationship between the Bank and all employees.
satu langkah pencegahan kecelakaan yang dilakukan One of the accident prevention measures taken is to
adalah memberikan sosialisasi terkait penggunaan disseminate the safe use of work equipment. For example,
peralatan kerja secara aman. Sebagai contoh, Bank the Bank ensures the use of electrical equipment according
memastikan penggunaan peralatan listrik sesuai standar to standards and encourages employees to turn off
serta mendorong karyawan untuk mematikan komputer computers and other electrical devices when not in use, in
dan perangkat listrik lainnya saat tidak digunakan, guna order to reduce the risk of accidents and increase energy
mengurangi risiko kecelakaan dan meningkatkan efisiensi efficiency.
energi.
Di tahun 2025, tidak terdapat insiden kecelakaan (zero In 2025, there were no accident incidents (zero accidents)
accident) akibat dari kelalaian kerja, hal ini karena adanya due to work negligence, which was caused by the fulfillment
pemenuhan terhadap aspek K3 dan kepatuhan terhadap of OHS aspects and compliance with operational standards.
standar operasional. Kesungguhan Bank Banten dan Bank Banten’s sincerity and support from all employees in
dukungan dari seluruh pegawai dalam mewujudkan tempat creating a safe and comfortable workplace have produced
kerja yang aman dan nyaman membuahkan hasil yang good results in 2025.
baik. tahun 2025. \
ASPEK MASYARAKAT COMMUNITY ASPECT
Bank Banten berkomitmen menjalankan program Bank Banten is committed to implementing sustainable
pengembangan masyarakat secara berkelanjutan. Bank community development programs. Bank Banten believes
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Banten meyakini bahwa kinerja bisnis yang kuat harus that strong business performance must be in line with
selaras dengan kontribusi nyata bagi masyarakat dan positive contributions to society and national development.
pembangunan daerah.
2025 Annual Report & Sustainability Report 421
Page 424
Bank Banten memiliki komitmen untuk terus memberikan Bank Banten is committed to continuously providing added
nilai tambah bagi stakeholder. Nilai tambah tersebut value for stakeholders. This added value is based on
didasari dari visi dan misi kami untuk mendukung kemajuan our vision and mission to support the progress of Banten
Provinsi Banten. Dalam mendukung rencana tersebut Bank Province. In supporting this plan, Bank Banten plans
Banten berencana untuk membuat program yang memiliki to create a program that will have a direct impact, be it
dampak langsung baik secara ekonomi, sosial, lingkungan. economically, socially, or environmentally.
Dukungan kami sebagai mitra terpercaya Pemerintah Our support as a trusted partner of the Banten Provincial
Provinsi Banten memperkuat keyakinan kami untuk terus Government strengthens our belief in continuing to
tumbuh bersama melalui bisnis berkelanjutan. Kami continue growing together through sustainable business.
berkomitmen untuk menciptakan dampak positif yang luas We are committed to creating a broad positive impact for all
bagi seluruh pemangku kepentingan Bank Banten, sejalan stakeholders of Bank Banten, in line with the principles of
dengan prinsip keberlanjutan dan pembangunan jangka sustainability and long-term development.
panjang.
Sepanjang tahun 2025, Bank Banten telah merealisasikan Throughout 2025, Bank Banten has realized several
beberapa kegiatan terkait bantuan/kegiatan sosial activities related to social assistance/activities totaling 49
sebanyak 49 program dengan total Rp297.202.500. programs with a total of Rp297,202,500. This realization
Realisasi ini mengalami peningkatan sebesar 11% jika increased by 100% compared to the previous year, with 38
dibandingkan tahun sebelumnya dengan 38 kegiatan activities amounting to Rp267,826,208.
sebesar Rp267.826.208.
Informasi kegiatan yang dijalankan sepanjang tahun 2025 Information on activities carried out throughout 2025 is as
adalah sebagai berikut: [F.23, F.25] follows: [F.23, F.25]
Realisasi Kegiatan Bantuan Tahun 2025 Realisasi Kegiatan Bantuan Tahun 2025
Tanggal Realisasi /
No. Kegiatan / Activity Bidang / Field
Realization Date
1 19 Maret 2025 / Bantuan Safari Ramadhan Wil. Kab. Pandeglang / Ramadan Safari Assistance Keagamaan /
March 19, 2025 for Pandeglang Regency Religious
2 19 Maret 2025 / Bantuan Safari Ramadhan Wil. Kec. Malingping / Ramadan Safari Assistance Keagamaan /
March 19, 2025 for Malingping District Religious
3 26 Maret 2025 / Pemberian Santunan bekerjasama dengan KAHMI HMI Cabang Kota Serang Keagamaan /
March 26, 2025 / Provision of Assistance in collaboration with the Serang City Branch of the Religious
Indonesian Muslim Student Association (KAHMI HMI)
4 8 April 2025 / April 8, Sumbangan melalui DKM Jam’i Assalam / Donations through the Assalam Keagamaan /
2025 Jam’i Council Religious
5 8 April 2025 / April 8, Bantuan Santunan Anak Yatim bersama HMI Cab. Serang / Orphan Assistance Keagamaan /
2025 with HMI Serang Branch Religious
6 9 April 2025 / April 9, Bantuan/Kegiatan Ramadhan bersama Baznas Provinsi Banten / Ramadan Keagamaan /
2025 Assistance/Activities with the Amil Zakat National Agency of Banten Province Religious
7 9 April 2025 / April 9, Santunan Yatim-Piatu Serta Buka Bersama PWI Serang Raya / Orphanage Keagamaan /
2025 Assistance and Iftar Together with the Serang Raya PWI Religious
8 9 April 2025 / April 9, Bantuan Ramadhan Camp ICMI Orwil Banten / Ramadan Assistance from the Keagamaan /
2025 ICMI Banten Regional Office Camp Religious
9 11 April 2025 / April Bantuan Kepada Masjid Al-Ikhlas Cilenggang dalam Rangka Safari Ramadhan Keagamaan /
11, 2025 1446 H/2025 M / Assistance to the Al-Ikhlas Mosque in Cilenggang as part of Religious
the 1446 H/2025 M Ramadan Safari
422 Laporan Tahunan & Laporan Keberlanjutan 2025
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Tanggal Realisasi /
Laporan Keberlanjutan ∙ Sustainability Report
No. Kegiatan / Activity Bidang / Field
Realization Date
10 11 April 2025 / April Bantuan Ramadhan 1446 H di Mesjid Al-Ikhlas S. Parman / Ramadan Keagamaan /
11, 2025 Assistance at the Al-Ikhlas S. Parman Mosque in 1446 H Religious
11 11 April 2025 / April Bantuan Kepada Masjid Agung Nurul Ikhlas Cilegon dalam Rangka Safari Keagamaan /
11, 2025 Ramadhan 1446 H/2025 M / Assistance to the Nurul Ikhlas Grand Mosque in Religious
Cilegon as part of the 1446 H/2025 M Ramadan Safari
12 11 April 2025 / April Bantuan Kepada Masjid Imaadul Muttaqin dalam Rangka Safari Ramadhan Keagamaan /
11, 2025 1446 H/2025 M / Assistance to the Imaadul Muttaqin Mosque as part of the Religious
1446 H/2025 M Ramadan Safari
13 14 April 2025 / April Bantuan/Partisipasi Kegiatan Sosial Polresta Serang Kota / Assistance/ Lingkungan /
14, 2025 Participation in Social Activities by the Serang City Police Department Environmental
14 14 April 2025 / April Bantuan Kegiatan Ramadhan & Idul Fitri 1446 H bersama DKM Raudhaul Amin Keagamaan /
14, 2025 / Assistance for Ramadan & Eid al-Fitr 1446 H Activities with the Raudhaul Religious
Amin Community Council
15 14 April 2025 / April Bantuan & Gebyar Zakat Baznas Provinsi Banten / Assistance & Zakat Keagamaan /
14, 2025 Celebration of the Amil Zakat National Agency of Banten Province Religious
16 15 April 2025 / April Bantuan Kepada Masjid Besar Baiturrachim Malingping Utara (Safari Keagamaan /
14, 2025 Ramadhan) / Assistance to the Baiturrachim Grand Mosque in North Malingping Religious
(Ramadan Safari)
17 15 April 2025 / April Bantuan Kepada Masjid Agung Ar-Rahman Kabupaten Pandeglang (Safari Keagamaan /
14, 2025 Ramadhan) / Assistance to the Ar-Rahman Grand Mosque, Pandeglang Religious
Regency (Ramadan Safari)
18 17 April 2025 / April Bantuan Safari Ramadhan Kepada Masjid Agung Al-Mujahidin / Ramadan Keagamaan /
17, 2025 Safari Assistance to the Al-Mujahidin Grand Mosque Religious
19 21 April 2025 / April Bantuan kepada DPK KNPI Kec. Cipondoh / Assistance to the KNPI Regional Lingkungan /
21, 2025 Leadership Council (DPK) in Pandeglang Regency Cipondoh Environmental
20 22 April 2025 / April Bantuan Safari Ramadhan Masjid KC Balaraja / Ramadan Safari Assistance for Keagamaan /
22, 2025 Balaraja Branch Mosque Religious
21 22 April 2025 / April Bantuan Ramadhan/Idul Fitri bagi Pegawai Dasar, Petugas Pamdal Setda, Lingkungan /
22, 2025 Bapenda, DPRD Prov Banten dan Petugas Kebersihan Kota Serang / Environmental
Ramadan/Eid al-Fitr Assistance for Basic Employees, Regional Secretariat
Security Officers, Regional Revenue Agency (Bapenda), Banten Provincial
DPRD, and Serang City Sanitation Officers
22 22 April 2025 / April Bantuan Kegiatan dan Silaturahim dengan Ulama, Kyai dan Ustadz Se-Kota Keagamaan /
22, 2025 Serang Bersama Mitra Kerja / Assistance for Activities and Gatherings with Religious
Ulama, Kyai, and Ustadz throughout Serang City with Partners
23 22 April 2025 / April Bantuan Safari Ramadhan 1446 H / Ramadan Safari Assistance 1446 H Keagamaan /
22, 2025 Religious
24 28 April 2025 / April Bantuan Majelis Ta’lim Nurul Iman / Assistance for Nurul Iman Islamic Study Keagamaan /
28, 2025 Group Religious
25 28 April 2025 / April Sosialisasi Jadwal Puasa & Imsakiyah 1446 H/ 22025 M KC dan KCP Wilayah Keagamaan /
28, 2025 Provinsi Banten / Dissemination of Fasting Schedule & Imsakiyah 1446 Religious
H/22025 AD Branch Offices and Branch Offices of Banten Province
26 2 Juni 2025 / June 2, Bantuan Kegiatan Parenting Rumah Sosial Pedaringan Kota Tangerang / Sosial / Social
2025 Assistance for Parenting Activities at the Pedaringan Social Home in Tangerang
City
27 13 Juni 2025 / June Bantuan kepada Masjid Jami Baittutaqwa dalam rangkaian Safari Ramadhan Keagamaan /
13, 2025 / Assistance to the Baittutaqwa Grand Mosque as part of the Ramadan Safari Religious
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
28 16 Juni 2025 / June Bantuan Pembangunan Masjid Al-Hidayah / Assistance for the Construction of Keagamaan /
16, 2025 the Al-Hidayah Mosque Religious
29 23 Juni 2025 / June Bantuan kepada Ikatan Remaja Masjid Jam’i As-Salam / Assistance to the Keagamaan /
23, 2025 Jam’i As-Salam Mosque Youth Association Religious
30 23 Juni 2025 / June Bantuan dan Kegiatan Hari Lingkungan Hidup Sedunia 2025 KOMPAS Kota Lingkungan /
23, 2025 Serang / Assistance and Activities for World Environment Day 2025 KOMPAS Environmental
Serang City
31 3 Juli 2025 / July 3, Bantuan Kegiatan Pagelaran Budaya Karo / Assistance for Karo Cultural Sosial Budaya /
2025 Performance Activities Socio-Cultural
2025 Annual Report & Sustainability Report 423
Page 426
Tanggal Realisasi /
No. Kegiatan / Activity Bidang / Field
Realization Date
32 7 Juli 2025 / July 7, Bantuan dan Santunan Anak Yatim Yayasan Rumah Sosial Pedaringan Keagamaan /
2025 / Assistance and Child Support Rumah Sosial Pedaringan Foundation Religious
Orphanage
33 23 Juli 2025 / July 23, Bakti Sosial, Silahturahmi, dan Buka Puasa KC Tangerang / Community Sosial / Social
2025 Service, Gathering, and Iftar Events at Tangerang Branch Office
34 30 Juli 2025 / July 30, Bantuan dan Kegiatan Hari Mangrove Internasional / Assistance and Activities Lingkungan /
2025 for International Mangrove Day Environmental
35 7 Agustus 2025 / Bantuan Kegiatan kepada KORMI Kota Tangerang Selatan / Assistance Sosial / Social
August 7, 2025 for KORMI (Military Institution for the Indonesian Empowerment and Child
Protection) in South Tangerang City
36 11 Agustus 2025 / Bantuan melalui Rumah Singgah Badan Penghubung Pemprov Banten / Sosial / Social
August 11, 2025 Assistance through the Banten Provincial Government Liaison Agency Shelter
37 22 Agustus 2025 / Bantuan dan Kegiatan Hari Anak NasionalTingkat Kota Serang Tahun 2025 / Sosial / Social
August 22, 2025 Assistance and Activities for National Children’s Day at Serang City Level in
2025
38 8 September 2025 / Bantuan dan Kegiatan Maulid Nabi Muhammad SAW Pondok Pesantren Keagamaan /
September 8, 2025 As-Salam / Assistance and Activities for the Prophet Muhammad’s Birthday Religious
Celebration at As-Salam Islamic Boarding School
39 15 September 2025 / HUT RI Bapenda / Indonesian Independence Day Celebration at Regional Sosial / Social
September 15, 2025 Revenue Agency
40 18 September 2025 / Bantuan dan Kegiatan Maulid Nabi Muhammad SAW Masjid Ats-Tsauroh / Keagamaan /
September 18, 2025 Assistance and Activities for the Prophet Muhammad SAW’s Birthday at the Religious
Ats-Tsauroh Mosque
41 24 September 2025 / Bantuan dan Kegiatan Tabligh Akbar Desa Saga / Assistance and Activities for Keagamaan /
September 24, 2025 Tabligh Akbar (Grand Tabligh) in Saga Village Religious
42 24 September 2025 / Bantuan Paket Sembako Pemkab Lebak/KC Rangkasbitung / Daily Staples Sosial / Social
September 24, 2025 Package Assistance from Lebak Regency Government/Rangkasbitung Branch
Office
43 29 September 2025 / Bantuan ke DKM Masjid Agung Ats-Tsauroh Kota Serang / Assistance to the Keagamaan /
September 29, 2025 Ats-Tsauroh Grand Mosque Community Council (DKM) in Serang City Religious
44 6 Oktober 2025 / Bantuan dan Kegiatan DKM Jam’i As-Salam / Assistance and Activities for the Keagamaan /
October 6, 2025 Jam’i As-Salam Community Council (DKM) Religious
45 6 Oktober 2025 / Bantuan dan Kegiatan Musholla Hidayatul Muttaqien / Assistance and Activities Keagamaan /
October 6, 2025 for the Hidayatul Muttaqien Musalla Religious
46 29 Oktober 2025 / Bantuan dan Kegiatan Hari Sumpah Pemuda KNPI Kota Serang / Youth Pledge Sosial / Social
October 29, 2025 Day Assistance and Activities of the Indonesian National Youth Committee,
Serang City
47 14 November 2025 / Bantuan Khitanan Massal Anak-Anak dan Cek Kesehatan Gratis Masyarakat Sosial / Social
November 14, 2025 melalui Kosrat DPP / Assistance for Children’s Mass Circumcision and Health
Check-ups Free Community Assistance through DPP Kosrat
48 17 November 2025 / Bantuan Kegiatan Khitanan Massal Lembaga Swadaya Masyarakat KPK Sosial / Social
November 17, 2025 Nusantara / Assistance for Mass Circumcision Activities by the KPK Nusantara
Non-Governmental Organization
49 20 November 2025 / Bantuan Sponsorship Kegiatan Budaya Dzuriat Pande Golok Ciomas / Sosial / Social
November 20, 2025 Sponsorship Assistance for Dzuriat Pande Golok Ciomas Cultural Activities
424 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 427
PENGADUAAN MASYARAKAT [F.24] PUBLIC COMPLAINT [F.24]
Laporan Keberlanjutan ∙ Sustainability Report
Bank telah memiliki mekanisme formal untuk menjalankan The Bank has a formal mechanism for implementing a
sistem pelaporan pelanggaran yaitu melalui sistem violation reporting system, namely through a violation
pelaporan pelanggaran yang dapat diakses melalui: reporting system accessible via:
a. Surat yang ditujukan kepada: Direksi PT Bank a. Letter addressed to: Board of Directors of PT Bank
Pembangunan Daerah Banten (Perseroda) Tbk Gedung Pembangunan Daerah Banten (Perseroda) Tbk,
Duta Indah Iconic, Tower H, Jl. MH Thamrin Km 2 Gedung Duta Indah Iconic, Tower H, Jl. MH Thamrin Km
Tangerang - Banten (dengan menulis kode WB) atau 2 Tangerang - Banten (with the code WB written) or via
melalui WhatsApp dengan nomor 081808195908. WhatsApp at 081808195908.
b. Pelaporan melalui email ditujukan kepada antifraud@ b. Reporting via email is addressed to antifraud@
bankbanten.co.id dengan tembusan direksi@ bankbanten.co.id with a copy to direksi@bankbanten.
bankbanten.co.id co.id
Sebagai bagian dari upaya meningkatkan kualitas layanan As part of its efforts to improve service quality and provide
dan memberikan kemudahan akses bagi nasabah, easy access for customers, the Company provides the
Perseroan menyediakan layanan: following services:
Call Center 1500-410
Layanan ini berfungsi sebagai sarana informasi, konsultasi, This service serves as a means of information, consultation,
serta penyelesaian masalah bagi nasabah maupun calon and problem resolution for customers and prospective
nasabah. Call Center beroperasi selama 24 jam sehari, 7 customers. The Call Center operates 24 hours a day, 7
hari seminggu, memastikan bahwa setiap nasabah dapat days a week, ensuring that every customer can receive fast
memperoleh layanan yang cepat dan responsif kapan saja. and responsive service at any time.
Hingga 31 Desember 2025, tidak terdapat pengaduan yang As of December 31, 2025, Bank Banten received no
diterima Bank Banten terkait operasional, permasalahan complaints regarding operations, environmental issues, or
lingkungan hidup atau laporan pengaduan lainnya dari other public complaints.
masyarakat.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
2025 Annual Report & Sustainability Report 425
Page 428
Tanggung Jawab Produk dan Pelanggan Product and Customer Responsibility PRODUK BERKUALITAS DAN PELAYANAN QUALITY PRODUCTS AND EXCELLENT PRIMA BAGI NASABAH SERVICE FOR CUSTOMERS Bank Banten berkomitmen untuk senantiasa menghadirkan Bank Banten is committed to always providing the best layanan terbaik kepada seluruh nasabah. Upaya ini dilakukan service to all customers. This effort is made to maintain guna mempertahankan kepercayaan, meningkatkan trust, increase satisfaction, and build customer loyalty to kepuasan, serta memperkuat loyalitas nasabah terhadap Bank Banten. As part of this commitment, Bank Banten Bank Banten. Sebagai bagian dari komitmen tersebut, continues to develop various products and services that are Bank Banten terus mengembangkan berbagai produk dan tailored to customer needs. layanan yang disesuaikan dengan kebutuhan nasabah. Bank Banten melayani seluruh nasabah secara adil tanpa Bank Banten serves all customers fairly without any adanya perbedaan. Untuk memastikan dan meningkatkan discrimination. To ensure and improve the quality of kualitas produk serta layanan, Bank Banten selalu terbuka products and services, Bank Banten is always open to terhadap saran dan masukan, serta menangani keluhan suggestions and input, and handles customer complaints pelanggan sesuai dengan sesuai dengan pedoman in accordance with Bank Banten's service guidelines. [F.17] pelayanan Bank Banten. [F.17] Selain itu, Bank Banten sangat menjunjung tinggi hak-hak In addition, Bank Banten pays close attention to customer nasabah dengan menyediakan informasi yang transparan rights by providing clear information about the products dan mudah dipahami mengenai produk yang ditawarkan offered by the Bank through its website, promotional Bank melalui website, kegiatan promosi, dan marketing activities, and other integrated marketing communications. komunikasi yang terintegrasi lainnya. Dalam memberikan pelayanan prima, Bank Banten In providing excellent service, Bank Banten prioritizes mengedepankan beberapa aspek pelayanan sebagai several aspects of service as follows: berikut: 1. Memberikan jasa dan layanan perbankan yang 1. Providing various banking products and services that bervariasi dan memenuhi kebutuhan nasabah dengan meet customer needs with attractive features. fitur-fitur yang menarik. 2. Memberikan penjelasan yang akurat dan terpercaya 2. Providing accurate and reliable explanations of financial atas produk-produk keuangan yang ditawarkan melalui products offered through the Bank's official website, situs resmi Bank, yaitu www.bankbanten.co.id. namely www.bankbanten.co.id. 3. Menjaga kepuasan dan loyalitas pelanggan melalui 3. Maintaining customer satisfaction and loyalty through survei kepuasan nasabah yang dilakukan secara customer satisfaction surveys that are conducted berkala. periodically. 4. Menjaga kepercayaan nasabah dengan memberikan 4. Maintaining customer trust by providing customer perlindungan nasabah, termasuk menjaga kerahasiaan protection, including maintaining data confidentiality. data. 5. Menyediakan saluran/akses pengaduan dan 5. Providing channels/access for complaints and providing memberikan solusi segera. immediate solutions. 426 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 429
Tanggung Jawab Produk dan Pelanggan
Product and Customer Responsibility
Laporan Keberlanjutan ∙ Sustainability Report
DAMPAK PRODUK/JASA [F.27, F.28] PRODUCT/SERVICE IMPACT [F.27, F.28]
Bank Banten memastikan bahwa seluruh produk dan Bank Banten ensures that every product meets high security
layanan memenuhi standar keamanan tinggi, guna standards, fostering a sense of security and trust for its users.
memberikan rasa aman dan kepercayaan nasabah. To achieve this, Bank Banten conducts comprehensive
Untuk mewujudkannya, Bank Banten melakukan evaluasi security evaluations and tests on all products and services.
dan pengujian keamanan secara menyeluruh terhadap After going through this process, information regarding the
seluruh produk dan layanan. Setelah melalui proses benefits and risks of the product is communicated clearly
tersebut, informasi mengenai manfaat serta risiko produk through integrated marketing communications.
disampaikan secara jelas melalui komunikasi pemasaran
terpadu.
Di sepanjang tahun 2025, tidak terdapat dampak negatif Throughout 2025, there were no negative impacts resulting
yang ditimbulkan akibat dari layanan dan jasa yang from the services provided. Bank Banten consistently
diberikan. Bank Banten senantiasa menjamin terkait ensures product safety, marketing communications, or
keamanan produk, komunikasi pemasaran, maupun providing information and labeling on products and services.
pemberian informasi dan pelabelan pada produk dan These efforts are aimed at delivering positive performance
layanan. Upaya ini dilakukan untuk menghadirkan kinerja for the Company.
positif terhadap Perusahaan.
INOVASI PRODUK [F.26] PRODUCT INNOVATION [F.26]
Perusahaan terus mendorong inovasi dalam The Company continues to innovate, both in product
pengembangan produk maupun peningkatan proses development and improving business processes in order
bisnis, guna meningkatkan kualitas layanan dan efisiensi to improve service quality and operational efficiency.
operasional. Sepanjang tahun 2025, inovasi yang dilakukan Throughout 2025, the Bank's innovations include developing
Bank antara lain mengembangkan sejumlah aplikasi a number of applications, namely Mobile Banking, CMS,
yakni Mobile Banking, CMS, BI-FAST, Aplikasi Treasury, BI-FAST, Treasury Application, APU-PPT Application,
Aplikasi APU PPT, Aplikasi Laporan SCV, Web Sentralisasi SCV Report Application, Insurance Centralization Web,
Asuransi, CIS & CIT, Aplikasi APOLO (Aplikasi Pelaporan CIS & CIT, APOLO Application (OJK Online Reporting
Online OJK), Aplikasi Monitoring Rekening Dormant dan Application), Dormant Account Monitoring Application and
Enhancement OBOX. OBOX Enhancement.
PRODUK YANG DITARIK KEMBALI RECALLED PRODUCTS
Hingga Desember 2025, tidak terdapat produk yang ditarik As of December 2025, no products have been recalled.
kembali dari peredarannya. Bank Banten senantiasa Bank Banten consistently provides the highest quality
hadirkan kualitas terbaik terhadap layanan dan produk jasa services and products to its customers. Quality products will
kepada nasabah. Melalui produk yang berkualitas akan ensure customer satisfaction.
menghadirkan kepuasan kepada nasabah.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
SALURAN DAN MEKANISME PENGADUAN COMPLAINT CHANNELS AND
MECHANISMS
Dalam rangka meningkatkan kualitas produk dan layanan, To improve the quality of products and services, the Bank
Bank menyediakan berbagai saluran komunikasi yang provides various communication channels that can be
dapat diakses oleh masyarakat. Saluran ini berfungsi tidak accessed by the public. These channels function not only
hanya sebagai sumber informasi mengenai produk dan as a source of information about the Bank's products and
layanan Bank, tetapi juga sebagai wadah bagi nasabah services, but also as a forum for customers to submit
untuk menyampaikan keluhan atau pengaduan terkait complaints or complaints related to the services provided.
layanan yang diberikan.
2025 Annual Report & Sustainability Report 427
Page 430
Saluran komunikasi yang disediakan Bank adalah sebagai The communication channels provided by the Bank are as
berikut: follows:
• Website ∙ Website
Bank Banten menyediakan website dengan alamat Bank Banten provides a website with the address www.
www. bankbanten.co.id. Dalam situs web tersebut, Bank bankbanten.co.id. On the website, Bank Banten includes
Banten mencantumkan informasi lengkap mengenai complete information about products and services,
produk dan jasa, pelaporan, serta informasi lain yang reporting, and other relevant information.
relevan.
• Call Center 1500410 ∙ Call Center 1500410
Bank Banten menyediakan layanan call center pada Bank Banten provides a call center service on the
nomor telepon 1500410 dan dapat diakses selama 24 telephone number 1500410 and can be accessed 24
jam. hours a day.
• Customer Service ∙ Customer Service
Pada setiap kantor layanan perbankan, Bank Banten At every banking service office, Bank Banten provides
menyediakan layanan customer service yang akan customer service that will provide various information
memberikan berbagai informasi mengenai produk dan about the products and services provided by the Bank.
layanan yang diberikan Bank.
Di tahun 2025, jumlah pengaduan yang masuk dan diterima In 2025, the number of complaints received by Bank Banten
Bank Banten melalui saluran komunikasi di atas ada through the communication channels above was 2,131
sebanyak 2.131 laporan. Berikut tabel jumlah pengaduan reports. The complaints received by the Bank in the last two
yang diterima Bank dalam dua tahun terakhir. years are as follows.
Keterangan / Description 2025 2024
Pengaduan Masuk / Incoming Complaints 2.131 1.475
Status Pengaduan / Complaint Status
Terselesaikan / Resolved 2.088 1.428
Sedang dalam proses / In process 43 47
Bank Banten senantiasa menindaklanjuti segala laporan Bank Banten consistently follows up on all reports received
yang masuk terkait operasional perbankan. Bank Banten regarding banking operations. Bank Banten is committed
berkomitmen untuk terus mengoptimalkan kinerja dan to continuously optimizing performance and addressing
menangani laporan yang masih dalam proses penyelesaian. reports still in progress. This effort ensures operational
Upaya ini dilakukan agar operasional berjalan efektif dan efficiency and positive performance for Bank Banten.
menghasilkan kinerja positif pada Bank Banten.
KEPUASAN PELANGGAN CUSTOMER SATISFACTION
Bank secara rutin mengadakan survei kepuasan pelanggan The Bank regularly conducts customer satisfaction surveys
guna mengukur tingkat kepuasan terhadap produk dan to measure the level of satisfaction with the products and
layanan yang ditawarkan. Hasil survei ini digunakan services offered. The results of this survey serve as a
sebagai dasar untuk meningkatkan kualitas layanan serta basis for improving service quality and optimizing customer
mengoptimalkan pengalaman nasabah. experience.
428 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 431
Di tahun 2025, Bank memperoleh nilai kepuasan pelanggan In 2025, the Bank obtained a customer satisfaction score of
Laporan Keberlanjutan ∙ Sustainability Report
sebesar (keseluruhan) 3,91 dari nilai maksimal 4,00. Nilai (overall) 3.91 out of a maximum score of 4.00. The highest
atau poin tertinggi ada pada aspek petugas layanan, score or point is in the aspect of service officers, indicating
sekaligus menunjukkan bahwa kepuasan pelanggan dapat that customer satisfaction can be maintained well.
terjaga dengan baik.
PRIVASI DAN PERLINDUNGAN NASABAH PRIVACY AND CUSTOMER PROTECTION
Di tengah perkembangan teknologi dan percepatan Amidst today's technological disruption, data security and
transformasi digital, keamanan data serta perlindungan privacy protection are crucial aspects for the Bank and its
privasi menjadi prioritas utama bagi Bank dan nasabah. customers. For the Bank, maintaining data confidentiality
Bagi Perusahaan perlindungan data merupakan bagian is a strategic step to ensure business continuity, while for
penting dalam menjaga reputasi dan keberlanjutan customers, personal data protection is a major factor in
usaha, sementara bagi nasabah, keamanan informasi building and maintaining trust.
pribadi menjadi faktor utama dalam membangun dan
mempertahankan kepercayaan.
Untuk itu, Bank berkomitmen senantiasa melindungi To that end, the Bank is committed to always protecting
informasi dan keterangan mengenai nasabah, sebagai information and statements regarding customers, as a form
bentuk kepatuhan atas ketentuan-ketentuan sebagai of compliance with the following provisions:
berikut:
• UU Nomor 4 Tahun 2023 tentang Pengembangan dan • Law No. 4 of 2023 concerning the Development and
Penguatan Sektor Keuangan. Strengthening of the Financial Sector.
• Peraturan Otoritas Jasa Keuangan (POJK No.22 Tahun • Financial Services Authority Regulation (POJK No.22 of
2023) tentang Perlindungan Konsumen Dan Masyarakat 2023) concerning Consumer and Community Protection
di Sektor Jasa Keuangan. in the Financial Services Sector.
• Ditambah Peraturan Bank Indonesia (PBI 3 Tahun 2023) • Bank Indonesia Regulation (PBI 3 of 2023) concerning
tentang Perlindungan Konsumen Bank Indonesia. Bank Indonesia Consumer Protection.
Perusahaan memahami bahwa di era digital, layanan The Company understands that in the digital era, digital
perbankan digital memberikan berbagai manfaat bagi banking services provide various benefits for customers,
nasabah, seperti kecepatan, kemudahan, ketepatan, such as speed, convenience, accuracy, and efficiency in
dan efisiensi dalam mengakses layanan. Melalui digital accessing services. Through digital banking, Bank Banten
banking, Bank Banten turut berkontribusi dalam mendorong also contributes to encouraging financial inclusion. However,
inklusi keuangan. Namun, di sisi lain, digital banking juga on the other hand, digital banking also brings challenges,
membawa tantangan, terutama terkait risiko siber yang especially related to cyber risks that have the potential to
berpotensi menyebabkan kebocoran data dan pelanggaran cause data leaks and violations of customer privacy.
privasi pelanggan.
Bank Banten menyadari bahwa risiko siber dapat Bank Banten is aware that cyber risks can include theft,
mencakup pencurian, kehilangan, penyalahgunaan, atau loss, misuse, or disclosure of customer information data.
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
pengungkapan data informasi pelanggan. Untuk memitigasi To mitigate these risks, the Bank has implemented various
risiko tersebut, Bank menerapkan berbagai inisiatif initiatives in building a strong cybersecurity and resilience
dalam membangun sistem keamanan dan ketahanan system. All stakeholders also work together to handle
siber yang kuat. Seluruh pemangku kepentingan juga these risks in an integrated manner. These ongoing efforts
bekerja sama dalam menangani risiko ini secara terpadu. have resulted in a more secure and reliable data protection
Upaya berkelanjutan tersebut telah menghasilkan sistem system. As of the end of 2025, the Bank has not received
2025 Annual Report & Sustainability Report 429
Page 432
perlindungan data yang lebih aman dan andal. Hingga any complaints from the public or related institutions akhir tahun 2025 Bank tidak mendapati adanya aduan dari regarding leaks of Bank customer data. masyarakat atau lembaga terkait mengenai kebocoran data pelanggan Bank. VERIFIKASI TERTULIS DARI PIHAK WRITTEN VERIFICATION FROM INDEPENDEN [G.1] INDEPENDENT PARTIES [G.1] Laporan keberlanjutan tahun 2025 belum diverifikasi oleh The 2025 sustainability report has not been verified by the pihak indepeden Penyedia Jasa Assurance (Assurance independent Assurance Services Provider. However, the Services Provider). Namun demikian, Perusahaan Company guarantees that all information disclosed in this menjamin bahwa seluruh informasi yang diungkapkan report is reliable and accountable. dalam laporan ini adalah pernyataan yang dapat dipastikan keabsahannya dan dapat dipertanggung jawabkan. Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya [G.3] Response to Feedback on the Previous Year's Sustainability Report [G.3] Hingga laporan ini dipublikasikan, tidak terdapat During 2025, the Company received specific feedback re- tanggapan spesifik terkait Laporan Keberlanjutan 2024. lated to the 2024 Sustainability Report for improvements to Namun demikian, Perusahaan telah melakukan berbagai the next report. However, the Company has made vario- penyempurnaan dan perbaikan agar laporan ini memenuhi us improvements and corrections so that this report meets ketentuan POJK No.51/POJK.03/2017 dan SEOJK No.16/ the provisions of POJK No.51/POJK.03/2017 and SEOJK SEOJK.04/2021 yang menjadi rujukan penulisan laporan No.16/SEOJK.04/2021, which are the references for writing ini. Bank Banten berharap laporan ini dapat menjadi sumber this report. We hope that this report can be a useful source informasi yang berguna bagi para pemangku kepentingan. of information for stakeholders. 430 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 433
Lembar Umpan Balik [G.2]
Feedback Sheet
Laporan Keberlanjutan ∙ Sustainability Report
Para pemangku kepentingan yang terhormat, Terima kasih telah Dear stakeholders, Thank you for reading the Sustainability
membaca Laporan Keberlanjutan PT Bank Pembangunan Daerah Report of PT Bank Pembangunan Daerah Banten (Perseroda)
Banten (Perseroda) Tbk 2025. Untuk meningkatkan kinerja Tbk 2025. To improve the Company’s sustainability performance,
keberlanjutan Perseroan, mohon kesediaan para pemangku stakeholders are requested to provide feedback after reading this
kepentingan untuk memberikan umpan balik setelah membaca Sustainability Report by sending an email or sending this form via
Laporan Keberlanjutan ini dengan mengirimkan email atau fax or post.
mengirim formulir ini melalui fax atau pos.
DATA DIRI PERSONAL INFO
Nama (bila berkenan) / Name :
Institusi/Perusahaan / Company/Institution: :
Email :
Telp/HP / Phone Number :
Golongan Pemangku Kepentingan Stakeholder Group
• Pemegang Saham dan Investor • Shareholders and Investors
• Konsumen • Consumer
• Pegawai/Karyawan • Employees
• Komunitas • Community
• Mitra Kerja/Pemasok • Business Partners/Suppliers
• Pemerintah dan Regulator • Government and Regulators
• Tokoh Masyarakat • Public figure
• Lain-lain, mohon sebutkan: ...................................................... • Others, please specify : ...........................................................
................................................................................................... ...................................................................................................
Mohon pilih jawaban yang paling sesuai (beri tanda ✓) di dalam Please select the most appropriate answer (mark ✓) in the box
kotak yang tersedia: provided:
1. Laporan ini bermanfaat 1. This report is useful
O Sangat Tidak Setuju O Strongly Disagree
O Tidak Setuju O Disagree
O Netral O Neutral
O Setuju O Agree
2. Laporan ini menggambarkan kinerja Perseroan dalam 2. This report describes the Company’s performance in
pembangunan berkelanjutan sustainable development
O Sangat Tidak Setuju O Strongly Disagree
O Tidak Setuju O Disagree
O Netral O Neutral
O Setuju O Agree
3. Laporan ini mudah dimengerti 3. This report is easy to understand
O Sangat Tidak Setuju O Strongly Disagree
O Tidak Setuju O Disagree
O Netral O Neutral
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
O Setuju O Agree
4. Laporan ini menarik 4. This report is interesting
O Sangat Tidak Setuju O Strongly Disagree
O Tidak Setuju O Disagree
O Netral O Neutral
O Setuju O Agree
2025 Annual Report & Sustainability Report 431
Page 434
Lembar Umpan Balik [G.2]
Feedback Sheet
5. Laporan ini meningkatkan kepercayaan Anda pada 5. This report increases your confidence in the Company’s
keberlanjutan Perseroan sustainability
O Sangat Tidak Setuju O Strongly Disagree
O Tidak Setuju O Disagree
O Netral O Neutral
O Setuju O Agree
Mohon mengisi dan memberikan pendapat dengan menjawab Please fill in and provide your opinion by answering the following
pernyataan berikut: statement:
1. Bagian laporan mana yang paling bermanfaat? 1. Which part of the report is most useful?
2. Bagian laporan mana yang paling menarik? 2. Which part of the report is the most interesting?
3. Bagian laporan mana yang dinilai pengungkapannya masih 3. Which parts of the report are considered to have insufficient
kurang dan perlu ditambahkan? disclosure and need to be added?
4. Mohon berikan saran/usul/komentar atas laporan ini 4. Please provide suggestions/suggestions/comments on this
report
Kantor Pusat Head Office
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Jl. Veteran No. 04, Cipare, Kota Serang Jl. Veteran No. 04, Cipare, Kota Serang
Provinsi Banten - 42117 Province of Banten - 42117
Tel : (0254) 7917346 Tel : (0254) 7917346
Email : corporate.secretary@bankbanten.co.id Email : corporate.secretary@bankbanten.co.id
www.bankbanten.co.id www.bankbanten.co.id
432 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 435
Daftar Indeks Referensi POJK 51/2017
List of POJK 51/2017 Reference Index
2025 Annual Report & Sustainability Report 433
Page 436
No Indeks /
Nama Indeks / Index Name Halaman / Page
Index Number
Strategi Keberlanjutan / Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan / Sustainability Strategy Explanation
Ikhtisar Kinerja Keberlanjutan / Sustainability Performance Overview
B.1 Ikhtisar Kinerja Ekonomi / Economic Performance Overview
B.2 Ikhtisar Kinerja Lingkungan Hidup / Environmental Performance Overview
B.3 Ikhtisar Kinerja Sosial / Social Performance Overview
Profil Perusahaan / Company Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan / Vision, Mission, and Sustainability Values
C.2 Alamat Perusahaan / Company Address
C.3 Skala Perusahaan / Company Scale
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan / Products, Services,
and Business Activities Carried Out
C.5 Keanggotaan Pada Asosiasi / Membership in Associations
C.6 Perubahan Organisasi Bersifat Signifikan / Significant Organizational Changes
Penjelasan Direksi / Board of Directors Explanation
D.1 Penjelasan Direksi / Board of Directors Explanation
Tata Kelola Keberlanjutan / Sustainability Governance
E.1 Penanggungjawab Penerapan Keuangan berkelanjutan / Person in Charge for
Implementing Sustainable Finance
E.2 Pengembangan Kompetensi Terkait Keuangan berkelanjutan / Development of
Competencies Related to Sustainable Finance
E.3 Penilaian Risiko Atas Penerapan Keuangan berkelanjutan / Risk Assessment of
Implementing Sustainable Finance
E.4 Hubungan Dengan Pemangku Kepentingan / Relationships with Stakeholders
E.5 Permasalahan Terhadap Penerapan Keuangan berkelanjutan / Issues to
Implementing Sustainable Finance
Kinerja Keberlanjutan / Sustainability Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan / Activities to Build a Culture of
Sustainability
Kinerja Ekonomi / Economic Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau
Investasi, Pendapatan dan Laba Rugi / Comparison of Targets and Performance
of Production, Portfolio, Financing Targets, or Investments, Income and Profit
and Loss
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi
Pada Instrumen Keuangan atau Proyek Yang Sejalan / Comparison of Targets
and Performance of Portfolio, Financing Targets, or Investments in Financial
Instruments or Projects That Are in Line
Kinerja Lingkungan / Environmental Performance
Umum / General
F.4 Biaya Lingkungan Hidup / Environmental Costs
Aspek Material / Material Aspect
434 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 437
No Indeks /
Nama Indeks / Index Name Halaman / Page
Index Number
F.5 Penggunaan Material Yang Ramah Lingkungan / Use of Environmentally Friendly
Materials
Aspek Energi / Energy Aspect
F.6 Jumlah dan Intensitas Energi Yang Digunakan / Amount and Intensity of Energy
Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan /
Efforts and Achievements of Energy Efficiency and Use of Renewable Energy
Aspek Air / Water Aspect
F.8 Penggunaan Air / Water Use
Aspek Keanekaragaman Hayati / Biodiversity Aspect
F.9 Dampak Dari Wilayah Operasional Yang Dekat atau Berada Di Daerah Konservasi
atau Memiliki Keanekaragaman Hayati / Impacts of Operational Areas Near or
Located in Conservation Areas or Having Biodiversity
F.10 Usaha Konservasi Keanekaragaman Hayati / Biodiversity Conservation Efforts
Aspek Emisi / Emission Aspect
F.11 Jumlah dan Intensitas Emisi Yang Dihasilkan Berdasarkan Jenisnya / Amount
and Intensity of Emissions Produced by Type
F.12 Upaya dan Pencapaian Pengurangan Emisi Yang Dilakukan / Efforts and
Achievements of Emission Reduction Made
Aspek Limbah Dan Efluen / Waste and Effluent Aspect
F.13 Jumlah Limbah dan Efluen Yang Dihasilkan Berdasarkan Jenis / Amount of
Waste and Effluent Produced by Type
F.14 Mekanisme Pengelolaan Limbah dan Efluen / Waste and Effluent Management
Mechanism
F.15 Tumpahan Yang Terjadi (Jika Ada) / Spills That Occur (If Any)
Aspek Pengaduan Terkait Lingkungan Hidup / Environmental Complaints Aspect
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup Yang Diterima Dan Diselesaikan
/ Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial / Social Performance
F.17 Komitmen LJK, Emiten, atau Perusahaan Publik Untuk Memberikan Layanan
Atas Produk dan/atau Jasa Yang Setara Kepada Konsumen / Commitment
of LJK, Issuers, or Public Companies to Provide Services for Products and/or
Services That Are Equal to Consumers
Aspek Ketenagakerjaan / Manpower Aspects
F.18 Kesetaraan Kesempatan Bekerja / Equal Employment Opportunities
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa / Child Labor and Forced Labor
F.20 Upah Minimum Regional / Regional Minimum Wage
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
F.21 Lingkungan Bekerja Yang Layak Dan Aman / Decent and Safe Working
Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai / Employee Training and
Capacity Development
Aspek Masyarakat / Community Aspects
F.23 Dampak Operasi Terhadap Masyarakat Sekitar / Impact of Operations on the
Surrounding Community
2025 Annual Report & Sustainability Report 435
Page 438
No Indeks /
Nama Indeks / Index Name Halaman / Page
Index Number
F.24 Pengaduan Masyarakat / Public Complaints
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) / Social and Environmental
Responsibility (TJSL) Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan /
Responsibility for Sustainable Product/Service Development
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan berkelanjutan / Innovation
and Development of Sustainable Financial Products/Services
F.27 Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi Pelanggan / Products/
Services That Have Been Evaluated for Safety for Customers
F.28 Dampak Produk/Jasa / Impact of Products/Services
F.29 Jumlah Produk Yang Ditarik Kembali / Number of Products Recalled
F.30 Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan
Berkelanjutan / Customer Satisfaction Survey on Sustainable Financial Products
and/or Services
Lain-lain / Others
G.1 Verifikasi Tertulis Dari Pihak Independen, Jika Ada / Written Verification from
Independent Parties, If Any
G.2 Lembar Umpan Balik / Feedback Sheet
G.3 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya /
Response to Feedback on Previous Year’s Sustainability Report
G.4 Daftar Pengungkapan Sesuai POJK 51/2017 / List of Disclosures According to
POJK 51/2017
436 Laporan Tahunan & Laporan Keberlanjutan 2025
Page 439
Surat Pernyataan Anggota Dewan Komisaris dan Direksi
Tentang Tanggung Jawab atas
Laporan Keberlanjutan ∙ Sustainability Report
Laporan Tahunan dan Laporan Keberlanjutan 2025
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Statement of the Members of the Board of Commissioners and Directors
on the Responsibility Over 2025 Annual Report and Sustainability Report of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
Kami yang bertanda tangan di bawah ini menyatakan bahwa semua We the undersigned hereby declare that all information disclosed,
informasi dalam Laporan Tahunan dan Laporan Keberlanjutan in the 2025 Annual Report and Sustainability Report of
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk tahun PT Bank Pembangunan Daerah Banten (Perseroda) Tbk is
2025 telah dimuat secara lengkap dan bertanggung jawab penuh presented in its entirety. We are fully responsible for the accuracy
atas kebenaran isi Laporan Tahunan dan Laporan Keberlanjutan of the contents in this Company’s Annual Report and Sustainability
Perusahaan. Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This Statement is hereby made in all truthfulness.
Serang, Maret / March
2026
DEWAN KOMISARIS
Board of Commissioners
Brigjen. Pol. (Purn.) Prof. Dr. HOIRUDDIN HASIBUAN, S.H., M.Hum.
Komisaris Utama Independen
Independent President Commissioner
DEDEN RIKI HAYATUL FIRMAN Dr. RINA DEWIYANTI SE, M.SI
Komisaris Independen Komisaris
Independent Commissioner Commissioner
DIREKSI
Directors
PT Bank Pembangunan Daerah Banten (Perseroda) Tbk
MUHAMMAD BUSTHAMI
Direktur Utama
President Director
EKO VIRGIANTO
Direktur Kepatuhan
Compliance Director
2025 Annual Report & Sustainability Report
Page 440
Halaman ini sengaja dikosongkan This page is intentionally left blank
Page 441
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA) Tbk LAPORAN KEUANGAN / FINANCIAL STATEMENTS Pada dan Untuk Tahun yang Berakhir Tanggal 31 Desember 2025 / As of and For the Year Ended December 31, 2025 dan/ and LAPORAN AUDITOR INDEPENDEN / INDEPENDENT AUDITOR’S REPORT
Page 442
Page 443
PT BANK PEMBANGUNAN DAERAH BANTEN (PERSERODA)Tbk
DAFTAR ISI / TABLE OF CONTENTS
Halaman /
Page
SURAT PERNYATAAN DIREKSI / STATEMENT OF THE BOARD OF DIRECTORS
LAPORAN AUDITOR INDEPENDEN / INDEPENDENT AUDITOR’S REPORT i – vi
LAPORAN KEUANGAN
PADA DAN UNTUK TAHUN YANG BERAKHIR TANGGAL 31 DESEMBER 2025 /
FINANCIAL STATEMENTS
AS OF AND FOR THE YEAR ENDED DECEMBER 31, 2025
LAPORAN POSISI KEUANGAN / STATEMENT OF FINANCIAL POSITION 1 -2
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN /
STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME 3
LAPORAN PERUBAHAN EKUITAS / STATEMENT OF CHANGES IN EQUITY 4
LAPORAN ARUS KAS / STATEMENT OF CASH FLOWS 5
CATATAN ATAS LAPORAN KEUANGAN /
NOTES TO FINANCIAL STATEMENTS 6 – 99
Page 444
Page 445
Page 446
Page 447
Page 448
Page 449
Page 450
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/ Notes 2025 2024
Aset Assets
Kas 2e,4,37,38,39 183.498 133.328 Cash
Giro pada Bank Indonesia 2e,2f,5,37,38,39 731.471 456.348 Current accounts in Bank Indonesia
Giro pada Bank Lain 2e,2f,6,37,38,39 27.190 11.513 Current accounts in other banks
Penempatan pada Bank Indonesia dan Bank Lain 2f,2g,7,37,38,39 818.409 450.583 Placements with Bank Indonesia and other banks
Efek-efek 2g,2q,8,37,38,39 1.005.527 1.053.236 Securities
Efek-efek yang dibeli dengan janji dijual kembali 2g,2q,9,37,38,39 108.734 - Securities purchased under agreement to resell
Kredit pihak ketiga - setelah di kurangi 2h,2i,2r,3,10,37 4.888.752 3.607.640 Loan third parties – net allowance for
cadangan kerugian penuruan nilai pada 31 38, 39 impairment losses as of December 31, 2025
Desember 2025 dan 2024 masing-masing and 2024 amounting to Rp 180,621 and
sebesar Rp 180.621 dan Rp 243.641 Rp 243,641, respectively
Pendapatan bunga yang masih akan diterima 11,38,39 34.242 25.042 Accrued interest receivable
Biaya dibayar dimuka 2i,12 753.219 779.365 Prepaid expenses
Aset tetap dan Aset hak guna - setelah dikurangi 2k,13,37 168.008 28.176 Fixed assets and right of use of assets - net of
akumulasi penyusutan pada accumulated depreciation as of December 31,
31 Desember 2025 dan 2024 masing-masing 2025 and 2024 amounting to Rp322,550 and
sebesar Rp 322.550 dan Rp 319.307 Rp319,307 respectively
Agunan yang diambil alih - setelah dikurangi 2l,14 2.371 2.371 Foreclosed asset – net allowance for
cadangan kerugian penurunan nilai pada 31 impairment losses as of December 31, 2025
Desember 2025 dan 2024 masing-masing and 2024 amounting Rp 1,252
sebesar Rp1.252 respectively
Aset pajak tangguhan 2u,3,32b 230.850 350.240 Deferred tax assets
Aset tak berwujud 2m, 15 80.386 28.708 Intangible assets
Aset lain-lain 16,37,38 968.789 624.562 Others assets
JUMLAH ASET 10.001.445 7.551.112 TOTAL ASSETS
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan See accompanying Notes to Financial Statements which are an integral part of the Financial
dari Laporan Keuangan secara keseluruhan Statements taken as a whole
-1-
Page 451
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/ Notes 2025 2024
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 2n,16,37 100.017 142.370 Liabilities due immediately
Simpanan dari nasabah 2o,18,37,38 Deposit from customers
- Pihak ketiga 6.398.400 4.395.442 - Third parties
- Pihak berelasi 21.915 460.399 - Related parties
Simpanan dari bank lain 2p,19,37,38 Deposits from other banks
- Pihak ketiga 1.269.615 690.731 - Third parties
- Pihak berelasi 4.013 3.297 - Related parties
Utang pajak 2u,20 13.060 3.982 Taxes payable
Liabilitas imbalan pasca kerja 2v,32 36.678 31.811 Post employments benefit liabilities
Liabilitas lain-lain 21,37 257.591 119.382 Other liabilities
JUMLAH LIABILITAS 8.101.289 5.847.415 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham - nilai nominal Rp1.000 (nilai 22 4.308.864 4.308.864 Share capital - Rp1,000 (full amount) par value
penuh) per saham untuk seri A dan Rp180 per share for A series share and Rp180 (full
(nilai penuh) untuk seri B dan Rp50 (nilai amount) for B series share and Rp50 (full
penuh) untuk seri C. Modal dasar - amount) for C series share. Authorized -
1.075.511.715 saham seri A dan 1,075,511,715 A series shares and
5.335.431.323 saham seri B dan 5,335,431,323 B series shares and
45.459.495.228 saham seri C. Modal 45,459,495,228 C series shares. Issued and
ditempatkan dan disetor penuh - fully paid - 1,075,511,715 A series shares and
1.075.511.715 saham seri A dan 5,335,431,323 B series shares and
5.335.431.323 saham seri B dan 45,459,495,228 C series shares
45.459.495.228 saham seri C pada 31 as of December 31, 2025 and 2024
Desember 2025 dan 2024
Tambahan modal disetor 23 381.044 241.475 Additional paid-in capital
Laba belum direaslisasi atas nilai wajar Unrealized gain on fair value through other
melalui penghasilan komprehensif lain comprehensive income
Kerugian aktuaria setelah pajak (11.503) (15.871) Acturial loss net off taxes
Saldo rugi (2.778.249) (2.830.771) Net loss
JUMLAH EKUITAS 1.900.156 1.703.697 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 10.001.445 7.551.112 TOTAL LIABILITIES AND EQUITY
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan See accompanying Notes to Financial Statements which are an integral part of the Financial
dari Laporan Keuangan secara keseluruhan Statements taken as a whole
-2-
Page 452
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir Tanggal 31 Desember 2025 For the Year Ended December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/ Notes 2025 2024
PENDAPATAN (BEBAN) OPERASIONAL OPERATING INCOME (EXPENSES)
Pendapatan bunga 2s,24,36 570.495 491.804 Interest income
Beban bunga 2s,25 (371.804) (302.443) interest expense
Pendapatan bunga - bersih 198.691 189.361 Interest income - net
Pendapatan operasional lainnya Other operating income
Administrasi 26 76.348 43.153 Administrative
Keuntungan dari perubahan nilai wajar atas aset 20 - Gain from charges in fair value of financial
keuangan yang diukur pada nilai wajar pada assets at fair value through profit and loss- net
laporan laba rugi - bersih
Lain-lain bersih 9.885 12.924 Others – net
86.253 56.077
JUMLAH PENDAPATAN OPERASIONAL 284.944 245.438 TOTAL OPERATING INCOME
Pemulihan (penyisihan) kerugian penurunan 27 63.020 122.113 Provision of impairment reverse (losses)
nilai aset keuangan - bersih on financial asets – net
Beban operasional lainnya Other operating expenses
Umum dan administrasi 28 (158.769) (143.437) General and administrative
Tenaga kerja dan tunjangan 29 (129.669) (127.961) Employment and benefits
(288.438) (271.398)
LABA OPERASIONAL - BERSIH 59.526 96.153 NET OPERATING GAIN
PENDAPATAN (BEBAN) NON 30 (3.054) (21.156) NON-OPERATING INCOME
OPERASIONAL - BERSIH (EXPENSES) - NET
LABA SEBELUM PAJAK PENGHASILAN 56.472 74.997 GAIN BEFORE INCOME TAX
MANFAAT (BEBAN) PAJAK INCOME (EXPENSES) TAX
PENGHASILAN BENEFIT
Pajak tangguhan 2u,31d (3.950) (35.667) Deferred tax
LABA BERSIH 52.522 39.330 NET GAIN
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Pos-pos yang tidak akan direklasifikasi Item that would never be reclassified
ke laba rugi : to profit loss
Keuntungan (kerugian) aktuaria (3.299) (1.583) Actuarial gain (loss)
Pajak tangguhan 726 348 Deferred tax
Pos-pos yang akan direklasifikasi Item that would be reclassified
ke laba rugi : to profit loss
Perubahan nilai wajar melalui 2.174 (6.724) Changes in fair value through
penghasilan komprehensif lain other comprehensive income
Pajak tangguhan (478) 1.479 Deferred tax
(876) (6.480)
JUMLAH LABA KOMPREHENSIF 51.646 32.850 TOTAL COMPREHENSIVE GAIN
LABA PER SAHAM DASAR 2w,33 1,01 0,75 BASIC GAIN PER SHARE AND
DAN DILUSIAN ( nilai penuh) DILUTED (full amount)
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan See accompanying Notes to Financial Statements which are an integral part of the Financial
dari Laporan Keuangan secara keseluruhan Statements taken as a whole
-3-
Page 453
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir Tanggal 31 Desember 2025 For the Year Ended December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Modal Saham
Ditempatkan dan Penghasilan
Disetor Penuh/ Tambahan Modal Komprehensif
Share capital - Disetor/ lain/Other Jumlah
authorized issued Additional Paid in Comprehensive ekuitas/Total
and fully paid Capital Income Saldo rugi/Net loss equity
Saldo per 1 Januari 2024 4.308.864 241.475 (11.173) (2.870.101) 1.669.065 Balance as of January 1, 2024
Keuntungan aktuaria - bersih - - (1.235) - (1.235) Actuarial loss -net
Rugi belum direalisasi atas nilai wajar - - (3.463) - (3.463) Unrealized loss on fair value through
melalui penghasilan komprehensif lain- bersih other comprehensive income-net
Jumlah rugi bersih periode berjalan - - - 39.329 39.329 Total net loss for the current year
Saldo per 31 Desember 2024 4.308.864 241.475 (15.871) (2.830.771) 1.703.697 Balance as of December 31,2024
Kerugian aktuaria - bersih - - (2.574) - (2.574) Actuarial Loss- net
Keuntungan belum direalisasi atas nilai wajar - - 6.942 - 6.942 Unrealized gain on fair value through
melalui penghasilan komprehensif lain- bersih other comprehensive income-net
Dana setoran modal - 139.569 - - 139.569 Capital deposit fund
Jumlah laba bersih tahun berjalan - - - 52.522 52.522 Total net gain for the current year
Saldo per 31 Desember 2025 4.308.864 381.044 (11.503) (2.778.249) 1.900.156 Balance as of December 31, 2025
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan dari Laporan Keuangan secara keseluruhan See accompanying Notes to Financial Statements which are an integral part of the Financial Statements taken as a whole
-4-
Page 454
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA)Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
Untuk Tahun yang Berakhir Tanggal 31 Desember 2025 For the Year Ended December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/ Notes 2025 2024
ARUS KAS DARI AKTIVITAS CASH FLOW FROM OPERATING
OPERASI ACTIVITIES
Penerimaan bunga 561.295 491.275 Receipts of interest
Pembayaran bunga (366.489) (300.686) Payment of interest
Penghasilan operasional lainnya - bersih 86.233 56.077 Receipts of other operating income – net
Pembayaran beban umum dan administrasi (148.608) (129.413) Payment of general and administrative expenses
Pembayaran beban tenaga kerja dan tunjangan (124.087) (122.952) Payment of personal expenses and benefit
Pendapatan non operasional - bersih 39.508 93.112 Receipts of non-operating expenses – net
Arus kas sebelum perubahan aset 47.853 87.413 Cash flow before changes in operating
dan liabilitas operasi assets and liabilities
Penurunan ( Kenaikan) aset operasi : Decrease (increase) in operating assets:
Efek-efek 8 47.709 (293.415) Securities
Efek-efek yang dibeli dengan janji dijual kembali 9 (108.734) - Securities purchased under agreement to resell
Kredit 10 (1.281.113) (273.282) Loans
Biaya dibayar dimuka 12 26.146 21.480 Prepaid expenses
Agunan yang diambil alih dan aset lain-lain 14,16 (395.906) (51.422) Foreclosed asset and other assets
Kenaikan (Penurunan) liabilitas operasi : Increase (decrease) in operating liabilities:
Liabilitas segera 17 (47.670) (182.601) Liabilities due immediately
Simpanan dari nasabah 19 1.564.473 1.117.527 Deposit from customer
Simpanan dari bank lain 20 579.601 (57.621) Deposit from other banks
Utang pajak 21 9.077 (81) Taxes payable
Liabilitas lain-lain 22 138.209 (16.411) Other liabilities
Liabilitas atas efek - efek yang dijual 18 - (150.880) Securities sold under repurchase
dengan janji dibeli kembali agreement securities
Kas bersih diperoleh (digunakan untuk) aktivitas operasi 531.792 113.294 Net cash provided by (used in) operating activities
ARUS KAS DARI AKTIVITAS CASH FLOW FROM INVESTMENT
INVESTASI ACTIVITIES
Perolehan aset tetap 13 (8.634) (2.906) Acquisition of fixed assets
Perolehan aset sewa guna usaha 13 (1.786) (6.695) Acquisition of leased assets
Kas bersih digunakan untuk (10.420) (9.601) Net cash used in investing
aktivitas investasi activities
ARUS KAS DARI AKTIVITAS CASH FLOW FROM FINANCING
PENDANAAN ACTIVITIES
Dana setoran modal 24 139.569 - Capital deposit fund
Kas bersih digunakan untuk 139.569 - Net cash used in financing
aktivitas pendanaan activities
KENAIKAN (PENURUNAN) KAS 708.795 191.105 NET INCREASE ( DECREASE )IN CASH
DAN SETARA KAS EQUIVALENTS AND CASH
KAS DAN SETARA KAS 1.051.772 860.666 CASH AND CASH EQUIVALENTS
AWAL TAHUN AT THE BEGINNING OF YEAR
KAS DAN SETARA KAS 1.760.567 1.051.772 CASH AND CASH EQUIVALENTS
AKHIR TAHUN AT THE ENDING OF YEAR
Kas dan setara kas akhir tahun terdiri dari: Cash and cash equivalents at the end of year
consist of :
Pengungkapan tambahan Supplemental disclosures
Kas dan setara kas terdiri dari : Cash and cash equivalents consist of :
Kas 4 183.498 133.328 Cash
Giro pada Bank Indonesia 5 731.471 456.348 Current account with Bank Indonesia
Giro pada Bank lain 6 27.190 11.513 Current account with other banks
Penempatan pada Bank Indonesia dan bank lain 7 818.409 450.583 Placements with Bank Indonesia and other banks
1.760.567 1.051.772
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan See accompanying Notes to Financial Statements which are an integral part of the Financial
dari Laporan Keuangan secara keseluruhan Statements taken as a whole,
-5-
Page 455
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA)Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
1. UMUM 1. GENERAL
a. X
Pendirian dan Informasi Umum a. Establishment and General Information
PT Bank Pembangunan Daerah Banten, Tbk (“Bank”), PT Bank Pembangunan Daerah Banten, Tbk (“the
didirikan pada tanggal 11 September 1992. Akta Bank”) was established on September 11, 1992. The
pendirian telah disahkan oleh Menteri Kehakiman Deed of Establishment was approved by the Minister of
Republik Indonesia tanggal 10 Nopember 1992 dan Justice of the Republic of Indonesia on November 10,
diumumkan dalam Berita Negara Republik Indonesia 1992 and published in Supplement No. 6651 of the
No. 103, Tambahan No. 6651 tanggal 26 Desember State Gazette of Republic Indonesia No. 103 dated
1992. December 26, 1992.
Bank memulai aktivitas operasi di bidang perbankan The Bank started its commercial banking operations
pada tanggal 9 Agustus 1993. on August 9, 1993.
Sesuai dengan perubahan Anggaran Dasar pada Akta Based on the Bank’s Articles of Association’s
No. 36 tanggal 14 Juni 2016 dari Fathiah Helmi,S.H., amendment by Deed No. 36 dated June 14, 2016 of
Notaris di Jakarta, “PT Bank Pundi Indonesia Tbk” Fathiah Helmi, S.H., Notary in Jakarta, “PT Bank
telah berubah nama menjadi “PT Bank Pembangunan Pundi Indonesia Tbk” has changed its name to “PT
Daerah Banten Tbk”. Perubahan Anggaran Dasar ini Bank Pembangunan Daerah Banten Tbk”. These
telah disetujui oleh Menteri Hukum dan Hak Asasi amendment were approved by Minister of Law and
Manusia Republik Indonesia dengan Surat Human Rights of the Republic of Indonesia in his
No. AHU-0012108.AH.01.02 Tahun 2016 tanggal Decision Letter No. AHU-0012108.AH.01.02 Year
27 Juni 2016. Perubahan nama tersebut telah disetujui 2016 dated June 27, 2016. The change in the Bank’s
oleh Otoritas Jasa Keuangan melalui Surat Keputusan name had been approved by Indonesia Financial
Dewan Komisioner Otoritas Jasa Keuangan Services Authority (OJK) through Decision Letter of
No. 12/KDK.03/2016 tanggal 29 Juli 2016. the Commissioner of Indonesia Financial Services
Authority No. 12/KDK.03/2016 dated July 29, 2016.
Sesuai dengan perubahan Anggaran Dasar pada Akta Based on the Bank’s Articles of Association’s
No. 104 tanggal 30 Juni 2010 dari Fathiah Helmi,S.H., amendment by Deed No. 104 dated June 30, 2010 of
Notaris di Jakarta, “PT Bank Eksekutif Internasional Fathiah Helmi, S.H., Notary in Jakarta, “PT Bank
Tbk” telah berubah nama menjadi “PT Bank Pundi Eksekutif Internasional Tbk” has changed its name to
Indonesia Tbk”. Perubahan Anggaran Dasar ini telah “PT Bank Pundi Indonesia Tbk”. These amendment
disetujui oleh Menteri Hukum dan Hak Asasi Manusia were approved by Minister of Law and Human Rights
Republik Indonesia dengan Surat No. AHU- of the Republic of Indonesia in his Decision Letter No.
37404.AH.01.02 Tahun 2010 tanggal 28 Juli 2010. AHU-37404.AH.01.02 Year 2010 dated July 28, 2010.
Perubahan nama tersebut telah disetujui oleh Bank The change in the Bank’s name had been approved by
Indonesia melalui Surat Keputusan Gubernur Bank Bank Indonesia through Decision Letter of the
Indonesia No. 12/58/KEP.GBI/2010 tanggal Governor of Bank Indonesia No. 12/58/KEP.GBI/2010
23 September 2010. dated September 23, 2010.
Anggaran Dasar Bank telah mengalami beberapa kali The Bank's Articles of Association have been amended
perubahan, terakhir dengan Akta Notaris Periasman several times, most recently by Notary Deed of
Effendi No. 09 tanggal 20 Desember 2022 tentang Periasman Effendi No. 9 dated December 20, 2022
perubahan direksi dan komisaris. Perubahan Anggaran concerning changes to the directors and
Dasar ini telah diberitahukan kepada Menteri Hukum commissioners. Amendments to these Articles of
dan Hak Asasi Manusia Republik Indonesia dengan Association have been notified to the Minister of Law
Surat No. AHU-AH 01.09-0109622 tanggal and Human Rights of the Republic of Indonesia by
23 Desember 2022. Letter No. AHU-AH.01.09-0109622 dated December
23, 2022.
Bank memperoleh izin usaha sebagai bank umum The Bank obtained a license as a commercial bank
berdasarkan surat keputusan Menteri Keuangan based on the decision letter No.673/KMK.017/1993 of
No.673/KMK.017/1993 tanggal 23 Juni 1993. the Minister of Finance dated June 23, 1993.
-6-
Page 456
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian dan Informasi Umum (lanjutan) a. Establishment and General Information (continued)
Sesuai dengan Akta pernyataan keputusan rapat No.08 In accordance with the Deed of Meeting Decision
Tanggal 08 Maret 2023 dari Periasman Effendi Notaris Statement No. 08 dated March 8, 2023 from Periasman
kota Tangerang “ PT Bank Pembangunan Daerah Effendi, Notary of Tangerang City, "PT Bank
Banten TBk” telah berubah nama menjadi “ PT Bank Pembangunan Daerah Banten TBk" has changed its
Pembangunan Daerah Banten (Perseroda) Tbk”. name to "PT Bank Pembangunan Daerah Banten
Perubahan anggaran dasar ini berdasarkan peraturan (Perseroda) Tbk". This change in the articles of
Otoritas Jasa Keuangan (OJK) Republik Indonesia No. association is based on the regulation of the Financial
17 Tahun 2023 tentang penerapan tata kelola bagi bank Services Authority (OJK) of the Republic of Indonesia
umum, termasuk perubahan nama dan status perseroan No. 17 of 2023 concerning the implementation of
serta peralihan saham perseroan berdasarkan peraturan governance for general banks, including changes in the
daerah Provinsi Banten No.05 Tahun 2023 Tanggal 27 name and status of the company and the transfer of
Desember 2023 tentang pendirian perseroan terbatas company shares based on the regional regulation of
Bank Pembangunan Daerah Banten (Perseroda), Tbk. Banten Province No. 05 of 2023 dated December 27,
2023 concerning the establishment of a limited liability
company Bank Pembangunan Daerah Banten
(Perseroda), Tbk.
Kantor Pusat Bank berlokasi di Jl. Veteran No 6, RW The Bank’s head office is located in Jl. Veteran No 6,
8, Cipare, Kecamatan Serang, Banten. Pada tanggal 31 RW 8, Cipare, Kecamatan Serang, Banten. As of
Desember 2025 dan 2024 jumlah jaringan cabang- December 31, 2025 and 2024 the number of the Bank’s
cabang dan kantor-kantor pembantu Bank adalah branches and representative offices were as follows:
sebagai berikut:
2025 2024
Kantor Pusat 1 1 Head Office
Kantor Cabang 20 20 Branch Office
Kantor Cabang Pembantu 17 17 Supporting Branch Office
Pada tanggal 31 Desember 2025 dan 2024 Bank As of December 31, 2025 and 2024 the Bank owns 122
memiliki masing-masing 122 dan 149, Anjungan and 149, Automated Teller Machines (ATMs),
Tunai Mandiri (ATM). respectively.
b. Penawaran Umum b. Public Offering
Pada tanggal 22 Juni 2001, Bank memperoleh On June 22, 2001, the Bank obtained approval from the
pernyataan efektif dari Ketua Badan Pengawas Pasar Chairman of the Capital Market Supervisory Board
Modal (BAPEPAM) dengan suratnya No.S-1531/ (BAPEPAM) in his letter No. S-1531/PM/2001 to offer
PM/2001 untuk melakukan penawaran umum saham its shares to the public at a maximum of 277,500,000
kepada masyarakat sebanyak 277.500.000 saham shares with a nominal value of Rp100 (full amount) per
dengan nilai nominal Rp100 (nilai penuh) per saham share for an offering price of Rp140 (full amount) per
dan harga penawaran Rp140 (nilai penuh) per saham. share. Simultaneously, the Bank issued 55,500,000
Secara bersamaan diterbitkan 55.500.000 Waran Seri I Series I Warrants accompanying the shares offered in
yang menyertai seluruh saham yang ditawarkan dalam the Public Offering. The warrants entitle the holder to
rangka Penawaran Umum tersebut secara cuma-cuma. purchase newly issued shares of the portfolio with a
Waran tersebut memberikan hak kepada pemegangnya nominal value of Rp100 (full amount) per share at a
untuk melakukan pembelian saham baru yang price of Rp175 (full amount) per share from January
dikeluarkan dari portepel dengan nilai nominal Rp100 13, 2003 until July 12, 2004. On July 13, 2001, these
(nilai penuh) per saham dengan harga Rp175 (nilai shares were listed on the Indonesia Stock Exchange
penuh) per saham mulai tanggal 13 Januari 2003 (formerly Jakarta Stock Exchange). As of December
sampai dengan tanggal 12 Juli 2004. Pada tanggal 31, 2004, no conversion of warrants is made and all
13 Juli 2001, saham tersebut telah dicatatkan pada the rights to purchase through warrants has expired.
Bursa Efek Indonesia (dahulu Bursa Efek Jakarta).
Pada tanggal 31 Desember 2004, tidak ada waran yang
dikonversi menjadi saham dan semua hak untuk
membeli saham sudah berakhir.
-7-
Page 457
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum (lanjutan) b. Public Offering (continued)
Untuk meningkatkan permodalan Bank, yang To increase the capital of the Bank , which resulted in
berdampak terhadap peningkatan jumlah efek, Bank increased number of shares , the Bank has conducted
telah melakukan beberapa aksi korporasi berupa several corporate actions such as limited public
penawaran umum terbatas sebagaimana dijelaskan offering rights issue,as described below:
dibawah ini:
- Pada tanggal 30 Juni 2010, Bank memperoleh - On June 30, 2010, the Bank obtained the notice of
pernyataan efektif dari Ketua Badan Pengawas effectivity from the Chairman of the Capital
Pasar Modal dan Lembaga Keuangan (Bapepam- Market and Financial Institution Supervisory
LK) dengan suratnya No. S-5949/BL/2010 untuk Board (Bapepam-LK) in his Letter No. S-
melakukan penawaran umum terbatas I dalam 5949/BL/2010 related to its approval of the
rangka penerbitan Hak Memesan Efek Terlebih limited public offering I for the issuance of pre-
Dahulu kepada para pemegang saham sejumlah emptive rights for existing shareholders at
5.122.500.000 saham biasa. Setiap pemegang 5,122,500,000 common shares. The holder can
saham yang memiliki 1 saham lama berhak exercise the right to purchase 6 new shares for
membeli 6 saham baru dengan nilai nominal every 1 share held with a nominal value of Rp100
Rp100 (nilai penuh) per saham dengan harga (full amount) per share at Rp100 (full amount) per
penawaran sebesar Rp100 (nilai penuh) per share.
saham.
- Pada tanggal 15 September 2011, Bank - On September 15, 2011, the Bank obtained the
memperoleh pernyataan efektif dari Ketua notice of effectivity from the Chairman of the
Bapepam-LK dengan suratnya No. Bapepam-LK in his Letter No. 10116/BL/2011
10116/BL/2011 untuk melakukan penawaran related to its approval of the limited public
umum terbatas II dalam rangka penerbitan Hak offering II for the issuance of pre-emptive rights
Memesan Efek Terlebih Dahulu kepada para for existing shareholders amounting to
pemegang saham berjumlah 3.282.262.230 saham 3,282,262,230 common shares. The holder can
biasa. Setiap pemegang saham yang memiliki 6 exercise the right to purchase 5 new shares for
saham lama berhak membeli 5 saham baru dengan every 6 shares held with a nominal value of Rp100
nilai nominal Rp100 (nilai penuh) per saham (full amount) per share at Rp100 (full amount) per
dengan harga penawaran sebesar Rp100 (nilai share.
penuh) per saham.
- Pada tanggal 30 Agustus 2012, Bank memperoleh - On August 30, 2012, the Bank obtained the notice
pernyataan efektif dari Ketua Bapepam-LK of effectivity from the Chairman of the Bapepam-
dengan suratnya No. 10485/BL/2012 untuk LK in his Letter No. 10485/BL/2012 related to its
melakukan penawaran umum terbatas III dalam approval of the limited public offering III for the
rangka penerbitan Hak Memesan Efek Terlebih issuance of pre-emptive rights for existing
Dahulu kepada para pemegang saham berjumlah shareholders amounting to 1,496,604,923
1.496.604.923 saham biasa. Setiap pemegang common shares. The holder can exercise the right
saham yang memiliki 100 saham lama berhak to purchase 27 new shares for every 100 shares
membeli 27 saham baru dengan nilai nominal held with a nominal value of Rp100 (full amount)
Rp100 (nilai penuh) per saham dengan harga per share at Rp120 (full amount) per share.
penawaran sebesar Rp120 (nilai penuh) per
saham.
- Pada tanggal 29 Juli 2016, Bank memperoleh - On July 29, 2016, the Bank obtained the notice of
pernyataan efektif dari Otoritas Jasa Keuangan effectivity from Financial Services Authority in his
dengan suratnya No. S-384/D.04-16 untuk Letter No. S-384/D.04-16 related to its approval
melakukan penawaran umum terbatas IV dalam of the limited public offering IV for the issuance of
rangka penerbitan Hak Memesan Efek Terlebih pre-emptive rights for existing shareholders
Dahulu kepada para pemegang saham berjumlah amounting to 35,416,600,785 common shares
35.416.600.785 saham biasa seri B. Setiap series B. The holder can exercise the right to
pemegang saham yang memiliki 1.000 saham purchase 3,293 common shares series B for every
biasa seri A berhak membeli 3.293 saham biasa 1,000 common shares series A held with a
seri B dengan nilai nominal Rp18 (nilai penuh) nominal value of Rp18 (full amount) per share at
per saham dengan harga penawaran sebesar Rp18.35 (full amount) per share.
Rp18,35 (nilai penuh) per saham.
-8-
Page 458
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum (lanjutan) b. Public Offering (continued)
- Pada tanggal 24 November 2016, Bank - On November 24, 2016, the Bank obtained the
memperoleh pernyataan efektif dari Otoritas Jasa notice of effectivity from Financial Services
Keuangan dengan suratnya No. S-694/D.04-16 Authority in his Letter No. S-694/D.04-16 related
untuk melakukan penawaran umum terbatas V to its approval of the limited public offering V for
dalam rangka penerbitan Hak Memesan Efek the issuance of pre-emptive rights for existing
Terlebih Dahulu kepada para pemegang saham shareholders amounting to 17,937,712,419
sebanyak-banyaknya 17.937.712.419 saham biasa common shares series B. The holder can exercise
seri B. Setiap pemegang saham berhak membeli the right to purchase 777 common shares series B
777 saham biasa seri B dengan nilai nominal Rp18 with a nominal value of Rp18 (full amount) per
(nilai penuh) per saham dengan harga penawaran share at Rp18.35 (full amount) per share.
sebesar Rp18,35 (nilai penuh) per saham.
- Pada tanggal 8 Desember 2020, Bank memperoleh - On December 8, 2020, the Bank obtained an
pernyataan efektif dari Otoritas Jasa Keuangan effective statement from the Financial Services
dengan suratnya No. S-286/D.04-2020 untuk Authority with its letter No. S-286/D.04-2020 to
melakukan penawaran umum terbatas VI dalam conduct a limited public offering VI in the
rangka penerbitan Hak Memesan Efek Terlebih framework of issuing Pre-emptive Rights
Dahulu (HMETD) kepada pemegang saham, (HMETD) to shareholders, in accordance with
sesuai dengan peraturan pasar modal yang applicable capital market regulations.
berlaku.
- Pada tanggal 30 September 2021, Bank - On September 30, 2021, the Bank obtained an
memperoleh pernyataan efektif dari Otoritas Jasa effective statement from the Financial Services
Keuangan dengan suratnya No. S-177/D.04/2021 Authority with its letter No. S-177/D.04/2021 to
untuk melakukan penawaran umum terbatas VII conduct a limited public offering VII in the context
dalam rangka penerbitan Hak Memesan Efek of the issuance of Pre-emptive Rights (HMETD) to
Terlebih Dahulu (HMETD) kepada pemegang shareholders, in accordance with the applicable
saham, sesuai dengan peraturan pasar modal yang capital market regulations.
berlaku.
Jumlah saham Bank yang tercatat di Bursa Total of Bank's shares listed on the Indonesia Stock
Efek Indonesia sebanyak 51.870.438.266 lembar Exchange as of December 31, 2025 and 2024 and
saham pada tanggal 31 Desember 2025 dan 2024. 51,870,438,266 shares.
c. Susunan Pengurus Bank c. Composition of the Bank’s Management
Pada tanggal 31 Desember 2025 dan 2024 susunan On December 31, 2025 and 2024, the composition of
Dewan Komisaris dan Direksi berdasarkan Akta the Board of Commissioners and Board of Directors
Notaris Syarifudin, SH No. 14 tanggal 26 Agustus was based on Notary Deed of Syarifudin No. 14 dated
2025, Notaris di Kota Tangerang, adalah sebagai August 26, 2025, Notary in Tangerang City, is as
berikut: follows:
2025 2024
Dewan Komisaris Board of Commissioners
Komisaris Utama Hoiruddin Hasibuan1) Hoiruddin Hasibuan1) President Commissioners
Komisaris Independen Deden Riki Hayatul Firman2) Deden Riki Hayatul Firman2) Commissioners Independen
Komisaris Rini Dewiyanti3) Usman Asshiddiqi Qohara) Commissioners
Direksi Board of Directors
Direktur Utama Muhammad Busthami) Muhammad Busthami) President Director
Direktur Bambang Widyatmoko) Bambang Widyatmoko) Director
Direktur Rodi Judo Dahono) Rodi Judo Dahono) Director
Direktur Eko Virgianto) Eko Virgianto) Director
-9-
Page 459
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Susunan Pengurus Bank c. Composition of the Bank’s Management
1) 1)
Telah lulus uji kemampuan dan kepatutan sebagai Complied the fit and proper test as Commissioners
Komisaris Independen berdasarkan surat Keputusan Independent from Indonesia Financial Services Authority
OJK No. KEPR-126/D.03/2024 tanggal 18 Oktober through letter No. KEPR-126/D.03/2024 as of
2024. October 18, 2024.
2) 2)
Diberhentikan dengan hormat pada 10 April 2025. Honorably discharged on April 10, 2025.
3) 3)
Diangkat sebagai Komisaris non independent Appointed as a non-independent Commissioner based on the
berdasarkan keputusan Anggota Dewan Komisioner decision of the OJK Board of Commissioners Members No.
OJK No. KEPR-92/D.03/2025 tanggal 5 Agustus KEPR-92/D.03/2025 dated August 5, 2025.
2025.
Susunan Komite Audit Bank pada tanggal The Bank’s Audit Committee as of December 31, 2025
31 Desember 2025 dan 2024 adalah sebagai berikut: and 2024 are as follows:
2025 2024
Komite Audit Audit Committee
Ketua, merangkap anggota Deden Riki Hayatul Firman Hoiruddin Hasibuan Chairman, concurrent member
Anggota Hoiruddin Hasibuan Douval Members
Douval Moh. Panji Prasetyo
Hendra Suparyadi
Susunan Corporate Secretary dan Ketua Satuan Kerja The Bank’s Corporate Secretary and Head of Internal
Audit Internal pada tanggal 31 Desember 2025 Audit as of December 31, 2025 and 2024 are as
and 2024 adalah sebagai berikut: follows:
2025 2024
Seketaris Perusahaan Ferdy Ardian Ferdy Ardian Company Secretary
Ketua Satuan Kerja Audit Internal Dewi Noorirdawati Dewi Noorirdawati Head of Internal Audit
Jumlah karyawan Bank pada tanggal 31 Desember As of December 31, 2025 and 2024 the Bank has a
2025 dan 2024 masing-masing adalah 904 dan 855 total of 904 and 855 employees, respectively
karyawan (tidak diaudit). (unaudited).
Personil manajemen kunci adalah orang-orang yang Key management personnel are those people whom
mempunyai kewenangan dan tanggung jawab untuk have the authority and responsibility to plan, lead and
merencanakan, memimpin dan mengendalikan aktivitas control activities of the Bank, directly or indirectly.
Bank, secara langsung atau tidak langsung, termasuk Key management personnel are the Directors,
Direktur, Komisaris dan pejabat eksekutif dari Bank Commissioners and executive employees of the Bank
sesuai dengan peraturan BI. according to BI regulation.
- 10 -
Page 460
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL
a. Dasar pengukuran dan penyusunan laporan a. Basis measurement and preparation of financial
keuangan statements
Laporan keuangan disusun berdasarkan konsep nilai The financial statements have been prepared using the
historis, kecuali dinyatakan secara khusus. Laporan historical cost basis, unless otherwise stated. The
keuangan disusun dengan menggunakan metode akrual, preparation of these financial statements was based on
kecuali laporan arus kas dan beberapa akun yang accrual method, except for cash flows and certain
diukur berdasarkan penjelasan kebijakan akuntansi dari accounts which are measured on the basis explained in
akun yang bersangkutan. the related accounting policies.
Laporan arus kas disusun dengan menggunakan metode The statements of cash flows are prepared using
langsung yang dimodifikasi dengan mengelompokkan modified direct method, with classifications of cash
arus kas dalam aktivitas operasi, investasi flows into operating, investing and financing activities.
dan pendanaan. Untuk tujuan laporan arus kas, kas dan For the purpose of statements of cash flows, cash and
setara kas mencakup kas, giro pada Bank Indonesia, cash equivalents include cash, current accounts in
giro pada bank lain dan penempatan pada Bank Bank Indonesia, current accounts in other banks and
Indonesia dan bank lain yang jatuh tempo dalam waktu placements in Bank Indonesia and other banks that
3 (tiga) bulan sejak tanggal perolehan, sepanjang tidak mature within 3 (three) months from acquisition date,
digunakan sebagai jaminan atas pinjaman yang as long as they are not being pledged as collateral for
diterima serta tidak dibatasi penggunaannya. borrowings nor restricted.
Mata uang pelaporan yang digunakan untuk The reporting currency used in the preparation of the
penyusunan laporan keuangan adalah mata uang financial statements is Indonesian Rupiah, which also
Rupiah, yang juga merupakan mata uang fungsional represent the Bank’s functional currency. All figures in
Bank. Seluruh angka dalam laporan keuangan ini, the financial statements are rounded to and stated in
kecuali dinyatakan lain khusus, dibulatkan menjadi dan millions of Rupiah, unless otherwise stated.
disajikan dalam jutaan Rupiah yang terdekat.
b. Transaksi dengan Pihak-Pihak Berelasi b. Transactions with Related Parties
Berdasarkan PSAK No. 224 (Revisi 2015) mengenai According to PSAK No. 224 (Revised 2015) "Related
“Pengungkapan Pihak-pihak Berelasi”, definisi Parties Disclosure”, related parties is defined as:
pihak berelasi adalah:
1) Orang atau anggota keluarga terdekatnya dikatakan 1) A person or a close member of that person’s family
memiliki relasi dengan Bank jika orang tersebut: is related to Bank if that person:
(i) memiliki pengendalian ataupun pengendalian (i) has control or joint control over the Bank;
bersama terhadap Bank;
(ii) memiliki pengaruh signifikan terhadap Bank; (ii) has significant influence over Bank; or
atau
(iii) merupakan personil manajemen kunci dari (iii) is a member of the key management
Bank ataupun entitas induk dari Bank. personnel of the Bank or of a parent of the
Bank.
2) Suatu entitas dikatakan memiliki relasi dengan 2) An entity is related to Bank if any of the following
Bank jika memenuhi salah satu dari hal berikut ini: conditions applies:
(i) entitas tersebut dan Bank adalah anggota dari (i) the entity and Bank are members of the
kelompok usaha yang sama; same group;
(ii) merupakan entitas asosiasi atau ventura (ii) an associate or joint venture of the Bank (or
bersama dari Bank (atau entitas asosiasi atau an associate or joint venture of a member of
ventura bersama tersebut merupakan anggota a Bank of which the Group is a member);
suatu kelompok usaha dimana Bank adalah
anggota dari kelompok usaha tersebut);
(iii) entitas tersebut dan Bank adalah ventura (iii) the entity and Bank are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
(iv) entitas yang merupakan ventura bersama dari (iv) the entity is a joint venture of an associate
asosiasi Bank atau asosiasi dari ventura of the Bank or is an associate of a joint
bersama dari Bank; venture of the Bank;
(v) entitas yang merupakan suatu program (v) the entity is a post-employment benefit plan
imbalan pasca kerja untuk imbalan kerja dari for the benefit of employees of either the
Bank atau entitas yang terkait dengan Bank. Bank or an entity related to Bank. If Bank
Bank adalah penyelenggara program are itself such a plan, the sponsoring
tersebut, maka entitas sponsor juga berelasi employers are also related to Bank;
dengan Bank;
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Page 461
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATAERIAL (lanjutan) (continued)
b. Transaksi dengan Pihak-Pihak Berelasi (lanjutan) b. Transactions with Related Parties (continued)
Berdasarkan PSAK No. 224 (Revisi 2015) mengenai According to PSAK No. 224 (Revised 2015) "Related
“Pengungkapan Pihak-pihak Berelasi”, definisi Parties Disclosure”, related parties is defined as:
pihak berelasi adalah: (lanjutan) (continued)
2) Suatu entitas dikatakan memiliki relasi dengan 2) An entity is related to Bank if any of the following
Bank jika memenuhi salah satu dari hal berikut ini: conditions applies: (continued)
(lanjutan)
(vi) entitas yang dikendalikan atau dikendalikan (vi) the entity is controlled or jointly controlled
bersama oleh orang yang diidentifikasi dalam by a person identified in (1);
angka (1) di atas;
(vii) entitas yang dipengaruhi secara signifikan (vii) entity has significantly influenced by a
oleh orang yang diidentifikasi dalam angka person identified in (1) (i) or that person is
(1) (i) atau orang yang bersangkutan a member of the key management personnel
merupakan personil manajemen kunci dari from the entity (or of a parent of the entity).
entitas tersebut (atau entitas induk dari
entitas).
Transaksi ini dilakukan berdasarkan persyaratan yang The transaction was conducted on terms agreed by
disetujui oleh kedua belah pihak, dimana persyaratan both parties, which terms may not be the same as other
tersebut mungkin tidak sama dengan transaksi lain transactions conducted by parties who are not related.
yang dilakukan dengan pihak-pihak yang tidak
berelasi.
Seluruh transaksi dan saldo yang signifikan dengan All transactions and balances with significant related
pihak-pihak berelasi, baik yang dilakukan dengan parties, whether or not conducted with the terms and
atau tidak dengan persyaratan dan kondisi conditions, as were done with the parties that have no
sebagaimana yang dilakukan dengan pihak-pihak relation to related parties, have been disclosed in the
yang tidak mempunyai hubungan pihak-pihak relevant notes to the financial statements.
berelasi, telah diungkapkan dalam catatan atas laporan
keuangan yang relevan.
c. Pelaporan Segmen c. Segment Reporting
Bank melaporkan informasi segmen yang Bank discloses segment information that will enable
memungkinkan pengguna laporan keuangan untuk users of financial statements to evaluate the nature and
mengevaluasi sifat dan dampak keuangan dari aktivitas financial effects of the business activities in which the
bisnis yang mana bank terlibat dan lingkungan bank engages and economic environments in which it
ekonomi dimana bank beroperasi. operates.
Sebuah segmen operasi adalah sebuah komponen dari An operating segment is a component of an entity:
entitas yang:
- terlibat dalam aktivitas bisnis yang mana - that engages in business activities which it may
memperoleh pendapatan dan menimbulkan beban earn revenue and incur expenses (including
(termasuk pendapatan dan beban terkait dengan revenue and expenses relating to the
transaksi dengan komponen lain dari bank yang transaction with other components of the same
sama); bank);
- hasil operasinya dikaji ulang secara reguler oleh - whose operating results are reviewed regularly by
pengambil keputusan operasional untuk membuat the entity’s chief operating decision maker to
keputusan tentang sumber daya yang make decision about resources to be allocated to
dialokasikan pada segmen tersebut dan menilai the segments and assess its performance; and
kinerjanya; dan
- tersedia informasi keuangan yang dapat - for which discrete financial information is
dipisahkan. available.
Bank melakukan segmentasi pelaporan berdasarkan Segment reporting made by the bank is based on the
informasi keuangan yang digunakan oleh pengambil financial information used by operating decision
keputusan operasional dalam mengevaluasi kinerja makers in evaluating operating segment performance
segmen dan menentukan alokasi sumber daya yang and determining the allocation of its resources.
dimilikinya. Segmentasi berdasarkan aktivitas dari Segmentation based on the activity of each legal entity
setiap kegiatan operasi entitas legal didalam entitas. operating activities in the entity.
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan d. Financial Instruments
Klasifikasi Aset dan Liabilitas Keuangan Classification of Financial Assets and Liabilities
I. Aset Keuangan I. Financial Assets
Bank mengklasifikasikan aset keuanganya The group classifies its financial assets according
berdasarkan kategori sebagai berikut pada saat to the following categories at initial recognition :
pengakuan awal :
- Aset keuangan yang diukur pada biaya - Financial assets measured at amortized cost,
perolehan diamortisasi,
- Aset keuangan yang diukur pada nilai wajar - Financial assets measured at fair value
melalui penghasilan komprehensif lain ; through other comprehensive income ;
- Aset keuangan yang diukur pada nilai wajar - Financial assets measured at fair value
melalui laba rugi ; through profit or loss ;
- Aset keuangan diukur pada biaya perolehan - Financial assets are measured at amortized
diamortisasi jika memenuhi kondisi sebagai cost if the meet the following conditions:
berikut:
- Aset keuangan dikelola dalam model bisnis - Financial assets are managed in a business
yang bertujuan untuk memiliki aset keuangan model that aims to have financial asstes in
dalam rangka mendapatkan arus kas order to obtain contractual cash flow; and
kontraktual; dan
- Persyaratan kontraktual dari aset keuangan - The contractual terms of the financial asstes
tersebut memberikan hak pada tanggal tertentu provide rights on a certain date for cash flow
atas arus kas yang diperoleh semata dari obtained soley from payment of principal and
pembayaran pokok dan bunga atau solely interest (SPPI) on the principal amount owed.
payments of principal and interest (SPPI) dari
jumlah pokok terutang.
Aset keuangan diukur pada nilai wajar melalui Financial asstes are measured at fair value
penghasilan komprehensif lain jika memenuhi through other comprehensive income if they meet
kondisi sebagai berikut: the following conditions:
- Aset keuangan dikelola dalam model bisnis - Financial assets are managed in a business
yang bertujuan untuk mendapatkan arus kas model that aims to obtain contractual cash
kontraktual dan menjual aset keuangan; dan flow and sell financial asstes ; and
- Persyaratan kontraktual dari aset keuangan - The contractual requirements of the financial
tersebut memenuhi kriteria SPPI. assets meet the SPPI criteria.
Aset keuangan yang diukur pada nilai wajar Financial assets measured at fair value through
melalui laba rugi ; profit or loss ;
Pada saat pengakuan awal, Bank dapat At initial recognition, the Bank can assign an
menetapkan pilihan yang tidak dapat dibatalkan irrevocable choice to present equity instruments
untuk menyajikan instrumen ekuitas yang bukan that are not held for tranding at fair value
dimiliki untuk diperdagangkan pada nilai wajar through other comprehensive income.
melalui penghasilan komprehensif lain.
Aset keuangan lainnya yang tidak memenuhi Other fincancial assets that do not meet the
persyaratan untuk diklasifikasi sebagai aset requirements to be classified as financial assets
keuangan diukur pada biaya perolehan measured at amortized cost or fair value through
diamortisasi atau nilai wajar melalui penghasilan other comprehensive income, are classified as
komprehensif lain, diklasifikasikan sebagai diukur measured at fair value through profit or loss.
pada nilai wajar melalui laba rugi.
Saat pengakuan awal Bank dapat membuat At initial recognition, the Bank can make an
penetapan yang tidak dapat dibatalkan untuk irrevocable determination to measure assets that
mengukur aset yang memenuhi persyaratan untuk meet the requirements to be measured at
diukur pada biaya perolehan diamortisasi atau amortized cost or fair value through other
nilai wajar melalui laba rugi, apabila penetapan comprehensive income at fair value through
tersebut mengeliminasi atau secara signifikan profit or loss, if the determination eliminates or
mengurangi inkonsistensi pengukuran atau significantly reduces the measurement or
pengakuan (kadang disebut sebagai “accounting recognition inconsistencies (sometimes referred
mismatch”) to as “accounting mismatch”)
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Klasifikasi Aset dan Liabilitas Keuangan (lanjutan) Classification of Financial Assets and Liabilities
(continued)
II. Liabilitas Keuangan (lanjutan) II. Financial Liabilities (continued)
Liabilitas keuangan diklasifikasikan kedalam Financial liabilities are classified into the
kategori sebagai berikut pada saat pengakuan following categories at initial recognition;
awal:
- Liabilitas keuangan yang diukur pada nilai - Financial liabilities at fair value throught
wajar melalui laporan laba rugi, liabilitas profit or loss, Financial liabilities are
keuangan diklasifikasikan dalam kategori ini classified in this category if the liabilities are
apabila liabilitas tersebut diklasifikasikan classified from trading activities or when the
dalam kelompok diperdagangkan, atau jika Bank elects to designate a financial liability
Bank memilih untuk menetapkan liabilitas under this category. Changes in fair value are
keuangan tersebut dalam kategori ini. recognized directly in the statements of profit
Perubahan dalam nilai wajar langsung diakui or loss.
dalam laporan laba rugi.
- Liabilitas keuangan yang diukur dengan biaya - Financial liabilities measured at amortized
perolehan diamortisasi. cost.
Bank mengklasifikasikan seluruh liabilitas The Bank classifies all financial liabilities
keuangan setelah pengakuan awal diukur pada after initial recognition at amortized cost
biaya perolehan diamortisasi kecuali: except:
1. Liabilitas keuangan yang diukur pada 1. Financial liabilities at fair value through
nilai wajar melalui laba rugi. profit or loss.
2. Liabilitas keuangan yang timbul ketika 2. Financial liabilities that arise when a
pengalihan aset keuangan tidak transfer of a financial asset does not
memenuhi syarat penghentian pengakuan qualify for derecognition or when the
atau ketika pendekatan keterlibatan continuing involvement approach is
berkelanjutan diterapkan. applied.
3. Kontrak jaminan keuangan. 3. Financial guarantee contracts.
4. Komitmen untuk menyediakan pinjaman 4. Commitment to provide loans at below
dengan suku bunga dibawah pasar. market interest rates.
5. Imbalan kontijensi yang diakui oleh 5. Contingent benefits recognized by the
pihak pengakuisisi dalam kombinasi acquirer in the business combination.
bisnis.
Pada saat pengakuan awal, liabilitas keuangan At initial recognition, financial liabilities
yang diukur dengan biaya perolehan measured at amortized cost are measured at
diamortisasi diukur pada nilai wajar dikurangi fair value less transaction costs. After initial
biaya transaksi. Setelah pengakuan awal, recognition, the Bank measures all financial
Bank mengukur seluruh liabilitas keuangan liabilities at amortized cost using the effective
yang diukur dengan biaya perolehan interest method.
diamortisasi menggunakan metode suku
bunga efektif.
Bank mengklasifikasikan instrumen keuangan dalam Bank classifies the financial instruments into classes
klasifikasi tertentu yang mencerminkan sifat dari that reflect the nature of information and take into
informasi dan mempertimbangkan karakteristik dari account the characteristic of those financial
instrumen keuangan tersebut. Klasifikasi instrument instruments. The classification of financial instruments
keuangan dapat dilihat pada tabel berikut : can be seen in the following table:
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Klasifikasi Aset dan Liabilitas Keuangan (lanjutan) Classification of Financial Assets and Liabilities
(continued)
II. Liabilitas Keuangan (lanjutan) II. Financial Liabilities (continued)
Kategori yang didefinisikan oleh PSAK No. 109) / Category Golongan (ditentukan oleh Bank)/
as defined by PSAK 109 Class (as determined by the Bank)
Aset keuangan yang diukur pada Efek-efek / Marketable securities
nilai wajar melalui laba rugi/ Obligasi Pemerintah / Government Bonds
Financial assets at fair value
through profit or loss
Kas / Cash
Giro pada Bank Indonesia/ Current accounts with Bank Indonesia
Giro pada bank lain/ Current accounts with other banks
Aset keuangan yang diukur pada
Penempatan pada bank lain dan Bank Indonesia/ Placements with other bank
Aset keuangan/ biaya perolehan yang diamortisasi/
and Bank Indonesia
Financial assets Financial assets at amortized cost
Tagihan lainnya/ Other receivables
Kredit yang diberikan/ Loans
Pendapatan bunga yang masih akan diterima/ Accrued interest receivable
Aset keuangan yang diukur pada Efek-efek/Securities
nilai wajar melalui penghasilan Obligasi Pemerintah/ Government bonds
komprehensif lain/ Financial assets
at fair value through other
comprehensive income
Liabilitas keuangan yang diukur pada
nilai wajar melalui laba rugi/
Liabilitas derivatif – tidak terkait lindung nilai/ Derivative payables- non
Financial liabilities at fair value
hedging related
through profit or loss
Liabilitas keuangan/ Liabilitas segera/ Obligation due immediately
Financial liabilities
Simpanan nasabah/ Deposits from customers
Liabilitas keuangan yang diukur
Simpanan dari bank lain/ Deposits from other banks
dengan biaya perolehan diamortisasi/
Efek-efek yang dijual dengan janji di beli kembali/ Securities sold under
Financial liabilities at amortized cost
agreements to repurchase
Beban yang masih harus dibayar/ Accrued expenses
Liabilitas lain-lain/ Other liabilities
Penentuan Nilai Wajar Determination of Fair Value
Nilai wajar instrumen keuangan yang diperdagangkan The fair value of financial instruments traded in active
di pasar aktif pada tanggal laporan posisi keuangan markets at the statement of financial position date is
adalah berdasarkan kuotasi harga pasar atau harga based on their quoted market price or dealer price
kuotasi penjual/dealer (bid price untuk posisi beli dan quotations (bid price for long positions and ask price
ask price untuk posisi jual), tanpa memperhitungkan for short positions), without any deduction for
biaya transaksi. Apabila bid price dan ask price yang transaction costs. When current bid and asking prices
terkini tidak tersedia, maka harga transaksi terakhir are not available, the last price is used since it
yang digunakan untuk mencerminkan bukti nilai wajar provides evidence of the current fair value as long as
terkini, sepanjang tidak terdapat perubahan signifikan there has not been a significant change in economic
dalam perekonomian sejak terjadinya transaksi. circumstances since the transaction occurs.
Untuk seluruh instrumen keuangan yang tidak terdaftar For all other financial instruments not listed in an
pada suatu pasar aktif, kecuali investasi pada instrumen active market, except investment in unquoted equity
ekuitas yang tidak memiliki kuotasi harga, maka nilai securities, the fair value is determined by using
wajar ditentukan menggunakan teknik penilaian. appropriate valuation techniques. Valuation techniques
Teknik penilaian meliputi teknik nilai kini (net present include net present value techniques and comparison to
value) dan perbandingan terhadap instrumen sejenis similar instruments that have observable market prices.
yang memiliki harga pasar yang dapat diobservasi.
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Saling Hapus Aset dan Liabilitas Keuangan Offsetting of Financial Assets and Financial Liabilities
Aset keuangan dan liabilitas keuangan saling hapus dan Financial assets and financial liabilities are offset and
nilai bersihnya disajikan dalam laporan posisi the net amount reported in the statements of financial
keuangan jika, dan hanya jika, Bank memiliki hak yang position if, and only if, there is a currently enforceable
berkekuatan hukum untuk melakukan saling hapus atas right to offset the recognized amounts and there is
jumlah yang telah diakui tersebut dan berniat untuk intention to settle on a net basis, or to realize the asset
menyelesaikan secara neto atau untuk merealisasikan and settle the liability simultaneously. The master
aset dan menyelesaikan liabilitasnya secara simultan. netting agreement can not be based for presenting
Kesepakatan induk untuk menyelesaikan secara neto offset between assets and liabilities related in the
(master netting agreements) tidak dapat dijadikan dasar statement of financial position.
untuk menyajikan saling hapus antara aset dan liabilitas
yang terkait dalam laporan posisi keuangan.
Penghentian Pengakuan Aset dan Liabilitas Keuangan Derecognition of Financial Assets and Financial
Liabilities
Bank menghentikan aset keuangan, jika dan hanya jika: The bank discontinues a financial asset, if and only if:
a. Hak kontraktual atas arus kas yang berasal dari a. The rights to receive cash flows from the asset
aset keuangan tersebut berakhir; atau have expired; or
b. Bank mengalihkan aset keuangan dan pengalihan b. The Bank transfers a financial asset and the
tersebut memenuhi kriteria penghentian transfer meets the derecognition criteria.
pengakuan.
Ketika entitas mempertahankan hak kontraktual untuk When an entity retains the contractual right to receive
menerima arus kas yang berasal dari aset keuangan cash flows from a financial asset (the original asset),
(aset awal), tetapi juga menanggung kewajiban but also bears a contractual obligation to pay the cash
kontraktual untuk membayarkan arus kas yang diterima flows received to one or more entities (the final
tersebut kepada satu atau lebih entitas (penerima akhir) recipient), the entity treats the transaction as a transfer
maka entitas memperlakukan transaksi tersebut sebagai of a financial asset, if and only if, all of these
pengalihan aset keuangan, jika dan hanya jika, seluruh conditions are met:
persyaratan ini terpenuhi:
- Bank tidak wajib membayar nilai tertentu kepada - The bank is not required to pay a specified
penerima akhir, kecuali jika entitas memperoleh amount to the final recipient, unless the entity
nilai tertentu yang ekuifalen dari aset awal. obtains a certain amount equivalent to the
original asset.
- Bank tidak diizinkan berdasarkan persyaratan - The bank is not permitted under the terms of the
dalam kontrak pengalihan untuk menjual atau transfer contract to sell or pledge the original
mengagunkan aset awal kecuali untuk menjamin asset except to guarantee the final recipient's
hak penerima akhir untuk menerima arus kas. right to receive cash flows.
- Bank berkewajiban untuk menyerahkan setiap - The bank is obliged to deliver any invoiced cash
arus kas yang ditagih untuk dan atas nama flows for and on behalf of the final beneficiary
penerima akhir tanpa penundaan yang signifikan. without significant delay.
Liabilitas keuangan dihentikan pengakuannya jika The financial liability is derecognized when the
liabilitas keuangan tersebut berakhir, dibatalkan atau contractual obligation under the liability is discharged,
telah kadaluarsa. cancelled or has expired.
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Page 466
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penghentian Pengakuan Aset dan Liabilitas Keuangan Derecognition of Financial Assets and Financial
(lanjutan) Liabilities (continued)
Aset keuangan (atau bagian dari kelompok aset Financial asset (or, where applicable, a part of a
keuangan serupa) dihentikan pengakuannya jika: group of similar financial assets) is derecognized
when:
a. Hak kontraktual atas arus kas yang berasal dari a. The rights to receive cash flows from the asset
aset keuangan tersebut berakhir; have expired;
b. Bank tetap memiliki hak untuk menerima arus b. The Bank retains the right to receive cash flows
kas dari aset keuangan tersebut, namun juga from the asset, but has assumed an obligation to
menanggung kewajiban kontraktual untuk pay them in full without material delay to a third
membayar kepada pihak ketiga atas arus kas yang party under a “pass-through” arrangement; or
diterima tersebut secara penuh tanpa adanya
penundaan yang signifikan berdasarkan suatu
kesepakatan; atau
c. Bank telah mentransfer haknya untuk menerima c. The Bank has transferred their rights to receive
arus kas dari aset keuangan dan (i) telah cash flows from the asset and either (i) has
mentransfer secara substansial seluruh risiko dan transferred substantially all the risks and rewards
manfaat atas aset keuangan, atau (ii) secara of the asset, or (ii) has neither transferred nor
substansial tidak mentransfer atau tidak memiliki retained substantially all the risks and rewards of
seluruh risiko dan manfaat atas aset keuangan, the financial asset, but have transferred control of
namun telah mentransfer pengendalian atas aset the asset.
keuangan tersebut.
Liabilitas keuangan dihentikan pengakuannya jika The financial liability is derecognized when the
liabilitas keuangan tersebut berakhir, dibatalkan atau contractual obligation under the liability is discharged,
telah kadaluarsa. cancelled or has expired.
Reklasifikasi Instrumen Keuangan Reclassification of Financial Instrument
Bank mereklasifikasi aset keuangan jika hanya jika, The Bank reclassify financial assets only when the
model bisnis untuk aset keuangan berubah. business model for financial assets changes.
Reklasifikasi aset keuangan dari biaya perolehan yang Reclassification of financial assets from amortized cost
diamortisasi ke klasifikasi nilai wajar melalui laba rugi to fair value through profit or loss is carried at fair
dicatat sebesar nilai wajarnya. Selisih antara nilai value. The difference between the carrying value and
tercatat dengan nilai wajar diakui sebagai keuntungan the fair value is recognized as gain or loss in profit or
atau kerugian pada laba rugi. loss.
Reklasifikasi aset keuangan dari klasifikasi biaya Reclassification of financial assets from amortized cost
perolehan yang diamortisasi ke klasifikasi nilai wajar to fair value through other comprehensive income is
melalui penghasilan komprehensif lain dicatat sebesar stated at fair value.
nilai wajarnya.
Reklasifikasi aset keuangan dari klasifikasi nilai wajar Reclassification of financial assets from fair value
melalui penghasilan komprehensif lain ke klasifikasi through other comprehensive income to fair value
nilai wajar melalui laba rugi dicatat pada nilai wajar. through profit or loss is carried at fair value.
Keuntungan atau kerugian yang belum direalisasi Unrealized gains or losses are reclassified to profit or
direklasifikasi ke laba rugi. loss.
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Page 467
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Reklasifikasi Instrumen Keuangan (lanjutan) Reclassification of Financial Instrument (continued)
Reklasifikasi aset keuangan dari klasifikasi nilai wajar Reclassification of financial assets from the fair value
melalui penghasilan komprehensif lain ke klasifikasi through other comprehensive income classification to
biaya perolehan yang diamortisasi dicatat pada nilai the amortized cost classification is carried at carrying
tercatat. Keuntungan atau kerugian yang belum value. The unamortized gain or loss is written off from
diamortisasi dihapus dari ekuitas dan disesuaikan equity and adjusted for fair value.
terhadap nilai wajar.
Reklasifikasi aset keuangan dari klasifikasi nilai wajar Reclassification of financial assets from fair value
melalui laba rugi ke klasifikasi nilai wajar melalui through profit or loss to fair value through other
penghasilan komprehensif lain dicatat pada nilai wajar. comprehensive income is carried at fair value.
Reklasifikasi aset keuangan dari klasifikasi nilai wajar Reclassification of financial assets from fair value
melalui laba rugi ke klasifikasi biaya perolehan yang through profit or loss to amortized cost is carried at
diamortisasi dicatat pada nilai wajar. fair value.
Bank tidak diperkenankan untuk melakukan The Bank are not allowed to reclassify financial
reklasifikasi atas liabilitas keuangan. liabilities.
Pengakuan Penurunan Nilai Aset Keuangan Recognition of Impairment of Financial Assets
Bank mengakui penyisihan kerugian untuk kerugian The Bank recognizes an allowance for possible losses
kredit ekspektasian pada aset keuangan yang diukur on expected credit losses on financial assets measured
pada biaya perolehan diamortisasi atau pada nilai wajar at amortized cost or at fair value through other
melalui penghasilan komprehensif lain, piutang sewa, comprehensive income, lease receivables, contract
aset kontrak atau komitmen pinjaman dan kontrak assets or loan commitments and financial guarantee
jaminan keuangan yang menerapkan persyaratan contracts that impose impairment requirements.
penurunan nilai.
Pada setiap tanggal pelaporan, entitas mengukur As of reporting date, an entity shall measure the
penyisihan kerugian instrumen keuangan sejumlah allowance for possible losses on financial instruments
kerugian kredit ekspektasian sepanjang umurnya, jika at the amount of expected credit losses over their
risiko kredit atas instrumen keuangan tersebut telah lifetime, if the credit risk on those financial instruments
meningkat secara signifikan sejak pengakuan awal. has increased significantly since initial recognition.
Penurunan Nilai Aset Keuangan Impairment of Financial Assets
Pada setiap tanggal pelaporan entitas menilai apakah As of reporting date the entity assesses whether the
risiko kredit atas instrumen keuangan telah meningkat credit risk on a financial instrument has increased
secara signifikan sejak pengakuan awal. Ketika significantly since initial recognition. When making
melakukan penilaian tersebut, entitas that assessment, an entity considers changes in default
mempertimbangkan perubahan risiko gagal bayar yang risk that occur over the life of the financial instrument,
terjadi selama umur instrumen keuangan, bukan not changes in the amount of expected credit losses. In
perubahan atas jumlah kerugian kredit ekspektasian. making that assessment, the entity compares the risk of
Dalam melakukan penilaian tersebut, entitas default on a financial instrument that occurs at the
membandingkan risiko gagal bayar instrumen reporting date with the risk of default on initial
keuangan yang terjadi pada tanggal pelaporan dengan recognition and considers reasonable and supportable
risiko gagal bayar pada saat pengakuan awal serta information available without undue cost or effort,
mempertimbangkan informasi yang wajar dan which is an indication of a significant increase in
terdukung yang tersedia tanpa biaya atau upaya credit risk since recognition early.
berlebihan, yang merupakan indikasi peningkatan
risiko kredit secara signifikan sejak pengakuan awal.
Pada tanggal pelaporan entitas hanya mengakui As of reporting date, the entity recognizes only the
perubahan kumulatif atas kerugian kredit ekspektasian cumulative changes in expected credit losses over its
sepanjang umurnya sejak pengakuan awal aset lifetime since the initial recognition of the financial
keuangan sebagai penyisihan kerugian atas aset asset as an allowance for losses on financial assets
keuangan yang dibeli atau yang berasal dari aset purchased or resulting from deteriorating financial
keuangan memburuk. assets.
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Pada setiap tanggal pelaporan, entitas mengakui dalam As of reporting date, an entity recognizes in profit or
laba rugi jumlah perubahan kerugian kredit loss the amount of changes in lifetime expected credit
ekspektasian sepanjang umurnya sebagai keuntungan losses as an impairment gain or loss. An entity shall
atau kerugian penurunan nilai. Entitas mengakui recognize the amendment of the expected lifetime credit
perubahan membaik atas kerugian kredit ekspektasian loss as an impairment gain, even though the lifetime
sepanjang umurnya sebagai keuntungan penurunan expected credit loss is less than the amount of the
nilai, meskipun kerugian kredit ekspektasian sepanjang expected credit loss that was included in the cash flow
umurnya lebih kecil dari jumlah kerugian kredit estimate at initial recognition.
ekspektasian yang termasuk dalam estimasi arus kas
pada saat pengakuan awal.
Jika dalam periode pelaporan sebelumnya bank telah If in the previous reporting period the bank has
mengukur penyisihan kerugian untuk instrumen measured allowance for losses for financial
keuangan sejumlah kerugian kredit ekspektasian instruments for an amount of expected credit losses
sepanjang umurnya, tetapi pada tanggal pelaporan over its lifetime, but at the reporting date of the current
periode kini ditentukan bahwa risiko kredit atas period it is determined that the credit risk on the
instrumen keuangan tersebut tidak lagi terpenuhi (tidak financial instrument is no longer fulfilled (does not
meningkat secara signifikan), maka bank mengukur increase significantly), then the bank measures the
penyisihan kerugian sejumlah kerugian kredit allowance for losses in the amount of 12 months
ekspektasian 12 bulan pada tanggal pelaporan periode expected credit loss at the reporting date of the current
kini. period.
Bank mengakui jumlah kerugian kredit ekspektasian The Bank recognizes the amount of the expected credit
(atau pemulihan kerugian kredit) dalam laba rugi, loss (or credit loss recovered) in profit or loss, as an
sebagai keuntungan atau kerugian penurunan nilai. impairment gain or loss. The amount referred to is an
Jumlah yang dimaksud merupakan penyesuaian adjustment to the allowance for possible losses on the
terhadap penyisihan kerugian pada tanggal pelaporan reporting date where recognition is required.
yang disyaratkan pengakuannya.
Untuk menentukan apakah telah terjadi peningkatan To determine whether there has been an increase in
risiko kredit, bank mempertimbangkan informasi yang credit risk, banks consider reasonable and supported
wajar dan terdukung, termasuk informasi perkiraan information, including forward-looking information.
masa depan (forward-looking).
Bank mengukur kerugian kredit ekspektasian dari The Bank measures the expected credit loss on
instrumen keuangan dengan suatu cara yang financial instruments in a way that reflects:
mencerminkan :
- Jumlah yang tidak biasa dan probabilitas - Unusual and probability-weighted amounts
tertimbang yang ditentukan dengan determined by evaluating a series of probable
mengevaluasi serangkaian hasil yang outcomes, Estimated Expected Credit Loss reflects
kemungkinan dapat terjadi, Estimasi Kerugian a weighted and unbiased probability amount
Kredit Ekspektasian mencerminkan jumlah determined by evaluating the possible range of
probabilitas tertimbang dan tidak bisa yang outputs.
ditentukan dengan mengevaluasi rentang keluaran - The time value of the money-discount rate; and
yang mungkin. - Reasonable and supportable information that is
- Nilai waktu atas uang-discount rate; dan available without undue cost or effort at the
- Informasi yang wajar dan terdukung yang tersedia reporting date regarding past events, current
tanpa biaya atau upaya berlebihan pada tanggal conditions and forecasts of future economic
pelaporan mengenai peristiwa masa lalu,kondisi conditions (forward looking).
kini dan perkiraan kondisi ekonomi masa depan
(forward looking).
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Ketika mengukur kerugian kredit ekspektasian, bank When measuring expected credit losses, the bank does
tidak harus mengidentifikasi semua skenario yang not have to identify all possible scenarios. However,
mungkin. Akan tetapi, bank mempertimbangkan risiko banks consider the risk or probability of credit loss by
atau probabilitas terjadinya kerugian kredit dengan reflecting the probability of occurrence and non-
mencerminkan probabilitas terjadinya dan tidak occurrence of credit losses, even though the possibility
terjadinya kerugian kredit, meskipun kemungkinan of credit losses is very low.
terjadinya kerugian kredit sangat rendah.
Periode maksimum yang dipertimbangkan dalam The maximum period considered in measuring
mengukur kerugian kredit ekpektasian adalah periode expected credit losses is the seasonal contractual
kontraktual musiman (termasuk opsi perpanjangan) period (including extension options) during which the
selama bank terekspos terhadap risiko kredit. Periode bank is exposed to credit risk. This period does not
tersebut dimaksud tidak mencakup periode yang lebih cover a longer period even though the longer period is
panjang meskipun periode yang lebih panjang tersebut consistent with existing business practices.
konsisten dengan praktis bisnis yang ada.
Aset keuangan memburuk Credit - impaired financial asset
Aset keuangan mengalami penurunan nilai aset Financial asset is impaired in the value of a financial
keuangan ketika satu atau lebih peristiwa yang asset when one or more events that have an adverse
memiliki dampak merugikan atas estimasi arus kas effect on the estimated future cash flows of the
masa depan dari aset keuangan telah terjadi. Bukti financial asset have occurred. Evidence that a financial
bahwa aset keuangan mengalami penurunan nilai aset asset is impaired by a financial asset includes
keuangan termasuk data yang dapat diobservasi observable data about the following events:
mengenai peristiwa berikut ini:
- Kesulitan keuangan signifikan yang dialami - Significant financial difficulties experienced by the
penerbit atau pihak peminjam; issuer or borrower;
- Pelanggaran kontrak, seperti peristiwa gagal bayar - breaches of contract, such as events of default or
atau peristiwa tunggakan; arrears;
- Pihak pemberi pinjaman, untuk alasan ekonomik - The lender, for economic or contractual reasons in
atau kontraktual sehubungan dengan kesulitan connection with the borrower's financial
keuangan yang dialami pihak peminjam, telah difficulties, has made concessions to the borrower
memberikan konsesi pada pihak peminjam yang that would not have been possible if the borrower
tidak mungkin diberikan jika pihak peminjam had not experienced such difficulties;
tidak mengalami kesulitan tersebut;
- Terjadi kemungkinan bahwa pihak peminjam akan - There is a possibility that the borrower will enter
dinyatakan pailit atau melakukan reorganisasi bankruptcy or other financial reorganization;
keuangan lainnya;
- Hilangnya pasar aktif dari aset keuangan akibat - The disappearance of an active market for
kesulitan keuangan; atau financial assets due to financial difficulties; or
- Pembelian atau penerbitan aset keuangan dengan - Purchase or issue of financial assets at a deep
diskon sangat besar yang mencerminkan kerugian discount that reflects the loss of financial assets
aset keuangan yang terjadi. Sulit untuk incurred. It is difficult to identify a single discrete
mengidentifikasikan peristiwa diskrit tunggal, event, however, the combined effect of several
namun demikian, dampak kombinasi dari beberapa events can cause a financial asset to be impaired.
peristiwa dapat menyebabkan aset keuangan
mengalami penurunan nilai aset keuangan.
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Aset keuangan memburuk (lanjutan) Credit - impaired financial asset (continued)
Untuk aset keuangan yang memburuk pada tanggal For financial assets that have deteriorated at the
pelaporan, tetapi bukan aset keuangan yang dibeli atau reporting date, but not financial assets that were
yang berasal dari aset keuangan memburuk, entitas purchased or originated from deteriorating financial
mengukur kerugian aset keuangan ekspektasian sebesar assets, an entity shall measure the expected financial
selisih antara jumlah tercatat bruto aset dan nilai kini asset loss as the difference between the asset's gross
dari arus kas masa depan yang diestimasi didiskonto carrying amount and the present value of estimated
dengan suku bunga efektif awal aset keuangan. future cash flows discounted at interest rates. effective
Penyesuaian diakui di laba rugi sebagai keuntungan initial financial assets. The adjustments are recognized
atau kerugian penurunan nilai. in profit or loss as an impairment gain or loss.
Pengelompokan kualitas /stage Aset Keuangan Financial asset quality classification
a. Stage 1 a. Stage 1
Mencakup instrument keuangan yang tidak Includes financial instruments that do not have a
memiliki peningkatan resiko kredit secara significant increase in credit risk since initial
signifikan sejak pengakuan awal atau memiliki recognition or have a low credit risk at the
resiko kredit rendah pada tanggal pelaporan. reporting date. For these assets, a 12 month ECL
Untuk aset-aset ini, akan berlaku perhitungan ECL calculation will apply.
12 bulan.
b. Stage 2 b. Stage 2
Mencakup instrumen keuangan yang mengalami Includes financial instruments that experience an
peningkatan resiko kredit sejak pengakuan awal increase in credit risk since initial recognition
(kecuali Bank merasa resiko kredit tergolong (unless the Bank feels the credit risk is low at the
rendah pada tanggal pelaporan) namun belum reporting date) but has not been proven to have
terbukti adanya bukti penurunan nilai secara an objective evidence of impairment. For these
objektif. Untuk aset-aset ini, akan berlaku assets, lifetime ECL calculations will apply. ECL
perhitungan ECL seumur hidup. ECL seumur lifetime is the expected credit loss expected from
hidup adalah ekspektasi kerugian kredit yang all default events that may occur during the
diharapkan dari semua kejadian gagal bayar yang estimated life of the financial instrument.
mungkin terjadi selama perkiraan umur dari
instrumen keuangan tersebut.
c. Stage 3 c. Stage 3
Mencakup instrumen keuangan yang telah terbukti Includes financial instruments that have been
mengalami penurunan nilai secara objektif pada objectively proven to be impaired at the reporting
tanggal pelaporan. Tahap ini biasanya diisi oleh date. This stage is usually filled by debtors who
debitur yang mengalami gagal bayar. experience defaults.
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Pengelompokan kualitas /stage Aset Keuangan Financial asset quality classification (continued)
(lanjutan)
Cross Staging Cross staging
Cross Staging antar debitur yang sama akan Cross staging between debtors the same will be
diterapkan, jika satu debitur (CIF) memiliki multi applied, if one debtor (CIF) has multiple accounts
rekening (fasilitas) dan stage yang berbeda akan (facilities) and different stages will be the worst stage,
dilakukan worst stage artinya satu debitur akan meaning that one debtor will have the worst stage.
memiliki stage yang terburuk.
Faktor utama dalam menentukan apakah instrumen The main factor in determining whether a financial
keuangan memerlukan perhitungan ECL 12 bulan instrument requires a 12 month ECL (stage 1) or
(stage 1) atau ECL seumur hidup (stage 2) disebut lifetime (stage 2) ECL calculation is called the
dengan kriteria Significant Increase in Credit Risk Significant Increase in Credit Risk (SICR) criterion.
(SICR). Penentuan kriteria SICR ini memerlukan Determining the SICR criteria requires reviewing and
pengkajian dan diskusi apakah telah terjadi discussing whether there has been a significant
peningkatan resiko kredit secara signifikan pada increase in credit risk at the reporting date.
tanggal pelaporan.
Dalam PSAK 109 terdapat sebuah rebuttable In PSAK 109 there is a rebuttable presumption that
presumption bahwa resiko kredit terhadap aset credit risk to financial assets will be considered to have
keuangan akan dianggap meningkat secara signifikan increased significantly since initial recognition if the
sejak pengakuan awal jika pembayaran kontraktual contractual payment is more than 30 DPD. This
sudah lebih dari 30 DPD. Asumsi ini akan berlaku assumption will apply unless the Bank can prove,
kecuali jika Bank dapat membuktikan, melalui through reasonable arguments and based on facts, that
argumen yang masuk akal dan berdasarkan fakta, the risk does not increase significantly at 30 DPD. In
bahwa resiko tidak meningkat secara signifikan pada addition, the definition of default in PSAK 109 also
30 DPD. Selain itu, definisi gagal bayar (Default) pada mentions the rebuttable presumption that financial
PSAK 109 juga menyebutkan praduga (rebuttable assets that are 90 days in arrears have defaulted.
presumption) bahwa aset keuangan yang sudah
menunggak 90 hari telah gagal bayar.
Metode Kerugian Kredit Ekspektasian Expected Credit Losses method.
a. Kredit Ekspektasian 12 bulan a. Expected Credit 12 months
Jika tidak terjadi peningkatan secara signifikan If there has been no significant increase since
sejak pengakuan awal. Kerugian dimaksud initial recognition. The loss represents the
merepresentasikan kerugian kredit ekspektasian expected credit loss arising from a financial
yang timbul dari peristiwa gagal bayar instrumen instrument default that may occur within 12
keuangan yang mungkin terjadi dalam 12 bulan months after the reporting date.
setelah tanggal pelaporan.
b. Kredit Ekspektasian Sepanjang Umurnya b. Expected credit throughout its life
Jika risiko kredit atas instrumen keuangan tersebut If the credit risk on the financial instrument has
telah meningkat secara signifikan sejak pengakuan increased significantly since initial recognition -
awal-baik dinilai secara individu atau kolektif- whether assessed individually or collectively - by
dengan mempertimbangkan semua informasi yang considering all reasonable and supportable
wajar dan terdukung, termasuk informasi yang information, including information that is forward-
bersifat perkiraan masa depan (forward-looking). looking.
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Kriteria Stage Aset Keuangan Financial asset stage criteria
a. Stage 1 a. Stage 1
- Umur tunggakan (DPD) = 0 - 30 hari - Days pay due (DPD) = 0 – 30 days
- Kolektibiliti 1 atau 2 - Collectability 1 or 2
- Tidak ada Flagging Restrukturisasi - No Restructuring Flagging
- Perhitungan Kerugian kredit espektasian - Calculation of expected credit losses using a
dengan menggunakan probability of default 12 month probability of default
12 bulan
- Pendapatan Bunga diakui selama periode - Interest income is recognized during the
kredit yaitu suku bunga efektif credit period, namely the effective interest
diperhitungkan dengan jumlah nilai bruto rate is calculated by the total gross value
(Effective Interest Rate To Gross Carrying (Effective Interest Rate To Gross Carrying
Amount). Amount).
b. Stage 2 b. Stage 2
- Umur tunggakan (DPD) = 31 - 90 hari - Days pay due (DPD) = 31 – 90 days
- Kolektibiliti 2 - Collectability 2
- Ada Flagging Restrukturisasi - On Restructuring Flagging
- Perhitungan Kerugian kredit espektasian - Calculation of expected credit losses using a
dengan menggunakan probability of default probability of default for the duration of the
seumur pinjaman. loan.
- Pendapatan Bunga diakui selama periode - Interest income is recognized during the
kredit yaitu suku bunga efektif credit period, namely the effective interest
diperhitungkan dengan jumlah nilai bruto rate is calculated by the total gross value
(Effective Interest Rate To Gross Carrying (Effective Interest Rate To Gross Carrying
Amount). Amount).
c. Stage 3 c. Stage 3
- Umur tunggakan (DPD) > 90 hari - Days pay due > 90 days
- Kolektibiliti > 2 - Collectability > 2
- Flagging POCI - Flagging POCI
- Perhitungan Kerugian kredit espektasian - Calculation of expected credit losses using a
dengan menggunakan probability of default probability of default for the duration of the
seumur pinjaman loan
- Pendapatan Bunga diakui selama periode - Interest income is recognized during the
kredit yaitu suku bunga efektif credit period, namely the effective interest
diperhitungkan dengan jumlah nilai neto atau rate is calculated by the net value or
biaya diamortisasi (Effective Interest Rate To amortized cost (Effective Interest Rate To Net
Net Carrying Amount). Carrying Amount).
Indikator kualitatif kriteria Stage 2 Aset Keuangan Qualitative indicators of Stage 2 Financial Assets
criteria
a. Perubahan persyaratan kredit (keringanan), a. Changes in credit terms (relief), if the credit
dalam hal perjanjian kredit masih berjalan dalam agreement is still running for a short time.
waktu yang singkat.
b. Tidak ada pembayaran angsuran. b. No installment payments.
c. Perubahan persyaratan kredit (keringanan), c. Changes in credit terms (relief), if the credit
dalam hal perjanjian kredit masih berjalan dalam agreement is still running for a short time.
waktu yang singkat.
d. Tidak ada pembayaran angsuran. d. No installment payments.
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PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Indikator kualitatif kriteria Stage 2 Aset Keuangan Qualitative indicators of Stage 2 Financial Assets
(lanjutan) criteria (continued)
e. Perubahan persyaratan kredit (keringanan), e. Changes in credit terms (relief), if the credit
dalam hal perjanjian kredit masih berjalan dalam agreement is still running for a short time.
waktu yang singkat.
f. Tidak ada pembayaran angsuran. f. No installment payments.
g. Peningkatan signifikan pada risiko kredit pada g. Significant increase in credit risk on other
instrumen lain dari peminjam yang sama. instruments from the same borrower.
h. Kebijakan peningkatan monitoring debitur karena h. Policy to increase debtor monitoring due to
peningkatan risiko kredit. increased credit risk.
i. Meningkatnya premi risiko debitur yang i. Increased debtor risk premium due to increased
disebabkan peningkatan risiko kredit pada debitur. credit risk on debtors.
j. Perubahan faktor eksternal yang merugikan bisnis j. Changes in external factors that are detrimental
dan keuangan debitur. to the debtor's business and finances.
k. Penurunan rating internal dan eksternal. k. Internal and external downgrades.
Indikator kualitatif kriteria Stage 3 Aset Keuangan Qualitative indicators of Stage 3 Financial Assets
criteria
a. Kesulitan keuangan signifikan yang dialami a. Significant financial difficulties experienced by
debitur. debtors.
- Penurunan omset melebihi 50% - Decreased turnover by more than 50%
- Penurunan laba melebihi 30% - Profit reduction exceeding 30%
- Piutang usaha macet melebihi 50% dari total - Bad debt receivables exceed 50% of the total
b. Pelanggaran perjanjian kredit. b. Credit agreement violation
- Tidak dipenuhinya satu atau lebih syarat- - Failure of one or more of the terms stipulated
syarat yang diatur dalam perjanjian kredit in the credit agreement, such as signing
seperti syarat penandatanganan, syarat conditions, disbursement / withdrawal
pencairan/penarikan, pelanggaran terhadap conditions, violation of credit covenants
covenant kredit.
- Penyalahgunaan penggunaan kredit. - Abuse of use of credit.
- Adanya masalah hukum dan ekonomi yang - There are significant legal and economic
signifikan dari debitur. problems from the debtors.
- Terdapat sekurang-kurangnya 1 (satu) - There is at least 1 (one) legal problem
permasalahan hukum yang dialami debitur experienced by the debtor, whether related to
baik yang terkait dengan usaha maupun business or legal problems outside the
masalah hukum diluar usaha. business.
- Terdapat permasalahan internal keluarga, - There are internal family problems, for
misalnya perceraian, kematian, sakit yang example divorce, death, prolonged illness, or
berkepanjangan, atau penyalahgunaan dana misuse of funds by members of the debtor's
oleh anggota keluarga debitur. family.
c. Terdapat kemungkinan bahwa debitur dinyatakan c. There is a possibility that the debtor will be
pailit. declared bankrupt.
- Terdapat hutang macet kepada pihak ketiga. - There is bad debt to third parties.
- Terdapat sekurang-kurangnya 1 (satu) - There is at least 1 (one) bankruptcy lawsuit
tuntutan hukum pailit oleh pihak ketiga. by a third party.
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Page 474
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Pengelompokan kredit berdasarkan umur Credit grouping based on the age of arrears
tunggakan (Deliquency Bucket) (Deliquency Bucket)
Aset Keuangan dikelompokan lagi kedalam kelompok Financial assets are further classified into delinquency
tunggakan (delinquency buckets) yang buckets, which represent credit quality, consisting of:
merepresentasikan kualitas kredit yang terdiri dari :
a. Rating 1, yakni untuk kredit yang tidak memiliki a. Rating 1, which is for credits that are not in
tunggakan. arrears.
b. Rating 2, yakni untuk kredit yang memiliki b. Rating 2, namely for loans with arrears of
tunggakan pokok dan atau bunga sampai dengan 30 principal and / or interest of up to 30 (thirty) days.
(tiga puluh) hari.
c. Rating 3, yakni untuk kredit yang memiliki c. Rating 3, namely for loans with arrears of
tunggakan pokok dan atau bunga lebih dari 30 (tiga principal and / or interest of more than 30 (thirty)
puluh) hari sampai dengan 60 (enam puluh) hari. days up to 60 (sixty) days.
d. Rating 4, yakni untuk kredit yang memiliki d. Rating 4, namely for loans with arrears of
tunggakan pokok dan atau bunga lebih dari 60 principal and / or interest of more than 60 (sixty)
(enam puluh) hari sampai dengan 90 (sembilan days up to 90 (ninety) days.
puluh) hari.
e. Rating 5, yakni untuk kredit yang memiliki e. Rating 5, namely for loans with arrears of
tunggakan pokok dan atau bunga lebih dari 90 principal and / or interest of more than 90 (ninety)
(sembilan puluh) hari sampai dengan 120 (seratus days up to 120 (one hundred and twenty) days.
dua puluh) hari.
f. Rating 6, yakni untuk kredit yang memiliki f. Rating 6, namely for loans with arrears in
tunggakan pokok dan atau bunga lebih dari 120 principal and / or interest of more than 120 (one
(seratus dua puluh) hari sampai dengan 150 hundred twenty) days up to 150 (one hundred and
(seratus lima puluh) hari. fifty) days.
g. Rating 7, yakni untuk kredit yang memiliki g. Rating 7, namely for loans with arrears of
tunggakan pokok dan atau bunga lebih dari 150 principal and / or interest of more than 150 (one
(seratus lima puluh) hari sampai dengan 180 hundred and fifty) days up to 180 (one hundred
(seratus delapan puluh) hari. and eighty) days.
h. Rating 8, yakni untuk kredit yang memiliki h. Rating 8, namely for loans with arrears of
tunggakan pokok dan atau bunga lebih dari 180 principal and / or interest of more than 180 (one
(seratus delapan puluh) hari. hundred and eighty) days.
Teknik Evaluasi Kerugian Kredit Ekspektasian Technique for Evaluating Expected Credit Losses
Teknik dalam mengevaluasi Kerugian Kredit Techniques in evaluating Expected Credit Losses use
Ekspektasian menggunakan metode Migration the Migration Analysis method, using a statistical
Analysis, dengan menggunakan pendekatan statistik approach from credit historical data based on
dari data historis kredit berdasarkan segmentasi : segmentation:
a. Bank wide a. Bank wide
b. Rating (stage) b. Stage
c. Produk kredit. c. Credit products
Perhitungan Kerugian Kredit Ekspektasian atau Calculation of Expected Credit Loss (ECL) In
Expected Credit Loss (ECL) Dalam menentukan determining the amount of Expected Credit Loss, the
besarnya Kerugian Kredit Ekspektasian, maka formation of Allowance for Impairment Losses
pembentukan Cadangan Kerugian Penurunan Nilai includes:
mencakup :
a. Probability of default a. Probability of default
b. Exposure at default b. Exposure at default
c. Lost given default c. Lost given default
d. Discount factor d. Discount factor
e. Forward looking adjustment e. Forward looking adjustment
- 25 -
Page 475
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Teknik Evaluasi Kerugian Kredit Ekspektasian Technique for Evaluating Expected Credit Losses
(lanjutan) (continued)
Pada setiap tanggal pelaporan, Bank menelaah apakah The Bank assesses, at each reporting date, whether
suatu aset keuangan atau kelompok aset keuangan telah there is any objective evidence that a financial asset or
mengalami penurunan nilai. Aset keuangan yang a group of financial assets is impaired. Impairments
dievaluasi penurunan nilainya dihitung secara for financial assets that are being evaluated are
individual dan kolektif serta cadangan kerugian assessed individually and collectively, along with the
penurunan nilai yang dibentuk masing-masing untuk allowance for impairment loss incurred for both
kelompok individual dan kolektif tersebut. individually and collectively assessment.
Suatu aset keuangan atau kelompok aset keuangan A financial asset or a group of financial assets is
mengalami penurunan nilai, aset keuangan yang deemed to be impaired if, impairments for financial
dievaluasi penurunan nilainya dihitung secara assets that are being evaluated are assessed
individual dan kolektif serta cadangan kerugian individually and collectively, along with the allowance
penurunan nilai yang dibentuk untuk masing-masing for impairment loss incurred for both individually and
kelompok individual dan kolektif tersebut, jika dan collectively assessment, if and only, there is objective
hanya jika, terdapat bukti obyektif mengenai evidence of impairment as a result of one or more
penurunan nilai sebagai akibat dari satu atau lebih events that occurred after the initial recognition of the
peristiwa yang terjadi setelah pengakuan awal dari asset (an “incurred loss event”) and that loss event has
suatu aset (suatu kejadian yang merugikan) dan an impact on the estimated future cash flows of the
peristiwa yang merugikan tersebut berdampak pada financial asset or the group of financial assets that can
estimasi arus kas masa depan dari aset keuangan atau be reliably estimated.
kelompok aset keuangan yang dapat diestimasi dengan
handal.
Bukti mengenai penurunan nilai meliputi indikasi Evidence of impairment may include indications that
bahwa peminjam atau kelompok peminjam mengalami the borrower or a group of borrowers is experiencing
kesulitan keuangan secara signifikan, gagal dalam significant financial difficulty, default or delinquency in
melakukan pembayaran bunga atau pokok, interest or principal payments, the probability that they
kemungkinan akan mengalami kebangkrutan atau will enter bankruptcy or other financial reorganization
reorganisasi keuangan lainnya dan terdapat hasil and where observable data indicate that there is a
observasi data yang mengindikasikan terdapat measurable decrease in the estimated future cash
penurunan nilai pada estimasi arus kas masa depan, flows, such as changes in arrears or economic
seperti perubahan kondisi ekonomi yang berhubungan conditions that correlate with defaults.
dengan gagal bayar.
Khusus untuk kredit yang diberikan, Bank Specific to a given loan, the Bank uses additional
menggunakan kriteria tambahan untuk menentukan criteria for determining the objective evidence of
bukti obyektif penurunan nilai sebagai berikut: impairment as follows:
1. Kredit yang diberikan dengan kolektibilitas 1. Loans with sub-standard, doubtful and loss
Kurang Lancar, Diragukan dan Macet (kredit collectibility (non-performing loans) in
bermasalah) sesuai dengan Peraturan Bank accordance with the regulations of Bank
Indonesia (PBI) No. 7/2/PBI/2005 tanggal Indonesia (PBI) No. 7/2/PBI/2005 dated January
20 Januari 2005 tentang Penilaian Kualitas Aktiva 20, 2005 on Asset Quality Rating for Commercial
Bank Umum sebagaimana telah diubah terakhir Banks as latest amended by PBI No.
dengan PBI No. 14/15/PBI/2012 tanggal 14/15/PBI/2012 date October 24, 2012 about
24 Oktober 2012 tentang Penilaian Kualitas Aset Assessment of Commercial Bank Asset Quality.
Bank Umum.
2. Semua kredit yang direstrukturisasi. 2. Restructured loans.
- 26 -
Page 476
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Teknik Evaluasi Kerugian Kredit Ekspektasian Technique for Evaluating Expected Credit Losses
(lanjutan) (continued)
Bank pertama kali menentukan apakah terdapat bukti The Bank first determines whether there is objective
obyektif penurunan nilai atas aset keuangan. Penilaian evidence of impairment of financial assets. Individually
secara individual dilakukan atas aset keuangan yang made on valuation of financial assets that are
secara individual mengalami penurunan nilai yang individually significant value has decreased, by using
signifikan, dengan menggunakan metode discounted the method of discounted cash flows. Financial assets
cash flows. Aset keuangan yang tidak signifikan that are not significant but the decline of values and
namun mengalami penurunan nilai dan aset keuangan financial assets that do not experience a decrease in
yang tidak mengalami penurunan nilai, dimasukkan value, included in the group of financial assets with
dalam kelompok aset keuangan yang memiliki similar risk characteristics and assessment done
karakteristik risiko yang serupa dan dilakukan collectively.
penilaian secara kolektif.
Jika Bank menentukan tidak terdapat bukti obyektif If Bank determines there is no objective evidence of
mengenai penurunan nilai atas aset keuangan yang impairment exist for an individually assessed financial
dinilai secara individual, baik yang jumlahnya asset, whether significant or not, it includes the asset in
signifikan maupun tidak signifikan, maka aset a group of financial assets with similar credit risk
keuangan tersebut akan dimasukkan ke dalam characteristics and collectively assesses them for
kelompok aset keuangan yang memiliki karakteristik impairment. Financial assets that are individually
risiko kredit yang serupa dan penurunan nilai assessed for impairment, and for which an impairment
kelompok aset keuangan tersebut dilakukan secara loss is continous to be recognized are not included in a
kolektif. Aset keuangan yang penurunan nilainya collective assessment of impairment.
dilakukan secara individual, dan untuk itu kerugian
penurunan nilai telah diakui atau tetap diakui, tidak
termasuk dalam penilaian penurunan nilai secara
kolektif.
Dalam melakukan evaluasi penurunan nilai kredit, In performing evaluation of loan impairment, Bank
Bank menetapkan portofolio kredit adalah sebagai determines loans portfolio is as follows:
berikut:
a. Kredit yang dievaluasi secara individual memiliki a. Loans which individually evaluated have
nilai signifikan dengan plafon kredit diatas Rp50, significant value with a loan limit above Rp50,
yang mengalami penurunan nilai sesuai which has impairment according collectibility 3, 4
kolektibilitas 3, 4 dan 5 atau tunggakan (day past and 5 or day past due (DPD) more than 90 days
due/DPD) lebih dari 90 hari (DPD > 90). (DPD> 90).
b. Kredit yang dievaluasi secara kolektif memiliki b. Loans which collectively evaluated have
nilai signifikan dengan plafon kredit diatas Rp50 significant value, up to Rp50 up toRp1,000 with
sampai dengan Rp1.000, dengan kolektibilitas 1 collectibility 1 and 2 or day past due (DPD) less
dan 2 atau tunggakan (day past due/DPD) kurang or equal to 90 days (DPD < 90 ).
atau sama dengan 90 hari (DPD < 90).
c. Kredit yang dievaluasi secara kolektif memiliki c. Loans which collectively evaluated have
nilai tidak signifikan dengan plafon sampai insignificant value with plafond up to Rp1.000.
dengan Rp1.000.
Bank menetapkan kredit yang harus dievaluasi The Bank determines that loans should be evaluated for
penurunan nilainya secara individual, jika memenuhi impairment individually, if one of the following criteria
salah satu kriteria di bawah ini: is met:
- 27 -
Page 477
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Teknik Evaluasi Kerugian Kredit Ekspektasian Technique for Evaluating Expected Credit Losses
(lanjutan) (continued)
1. Kredit yang secara individual memiliki nilai 1. Loans which individually have significant value
signifikan dan memiliki bukti obyektif penurunan and objective evidence of impairment; or
nilai; atau
2. Kredit yang direstrukturisasi yang secara 2. Restructured loans which individually have
individual memiliki nilai signifikan. significant value.
Bank menetapkan kredit yang harus dievaluasi The Bank determines that loans should be evaluated for
penurunan nilainya secara kolektif, jika memenuhi impairment through collective, if one of the following
salah satu kriteria di bawah ini: criteria is met:
1. Kredit yang secara individual memiliki nilai 1. Loans which individually have significant value
signifikan namun tidak memiliki bukti obyektif and there is no objective evidence of impairment;
penurunan nilai; atau or
2. Kredit yang secara individual memiliki nilai tidak 2. Loans which individually have no significant
signifikan; atau value; or
3. Kredit yang direstrukturisasi yang secara 3. Restructured loans that individually have no
individual memiliki nilai tidak signifikan. significant value.
i. Perhitungan penurunan nilai secara individu i. Calculation of individual impairment
Jumlah kerugian penurunan nilai diukur The amount of impairment loss is measured as the
berdasarkan selisih antara nilai tercatat aset difference between the financial asset's carrying
keuangan dengan nilai kini dari estimasi arus kas amount and the present value of estimated future
masa datang (tanpa memperhitungkan kerugian cash flows (excluding future impairment losses that
penurunan nilai dimasa datang yang belum terjadi) have not incurred) discounted using at the original
yang didiskontokan menggunakan tingkat suku effective interest rate of the financial asset. The
bunga efektif awal dari aset keuangan tersebut. carrying amount of the asset is account reduced
Nilai tercatat aset tersebut dikurangi melalui through impairment and expenses losses are
akun Cadangan Kerugian Penurunan Nilai dan recognized in the statement of profit or loss and
beban kerugian diakui pada laporan laba rugi dan other comprehensive income. If a loan or financial
penghasilan komprehensif lain. Jika pinjaman yang assets held to maturity have a variable interest rate,
diberikan atau aset keuangan dimiliki hingga jatuh the discount rate used for measuring each
tempo memiliki suku bunga variabel, maka tingkat impairment loss is the current effective interest rate
diskonto yang digunakan untuk mengukur setiap determined under the contract.
kerugian penurunan nilai adalah suku bunga efektif
yang berlaku yang ditetapkan dalam kontrak.
Perhitungan nilai kini dari estimasi arus kas masa The calculation of the present value of estimated
datang atas aset keuangan dengan agunan future cash flows of the financial asset with
mencerminkan arus kas yang dapat dihasilkan dari collateral reflects the cash flows that may result
pengambilalihan agunan dikurangi biaya-biaya from foreclosure collateral less costs for obtaining
untuk memperoleh dan menjual agunan, terlepas and selling the collateral, regardless whether or not
apakah pengambilalihan tersebut berpeluang terjadi foreclosure is probable or not.
atau tidak.
Bank menggunakan metode fair value of collateral The Bank uses fair value of collateral method as
sebagai arus kas masa datang apabila memenuhi future cash flows if it fulfill one of the following
salah satu kondisi berikut: conditions:
1. Kredit bersifat collateral dependent, yaitu jika 1. Loans are collateral dependent, if the loan
pelunasan kredit hanya bersumber dari agunan; repayment is only derived from collateral; or
atau
2. Pengambilalihan agunan kemungkinan besar 2. Foreclosure of collateral is most likely to occur
terjadi dan didukung dengan aspek legal and supported by legal aspect binding of
pengikatan agunan. collateral.
- 28 -
Page 478
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Teknik Evaluasi Kerugian Kredit Ekspektasian Technique for Evaluating Expected Credit Losses
(lanjutan) (continued)
ii. Perhitungan penurunan nilai secara kolektif ii. The calculation of collective impairment
Untuk tujuan evaluasi penurunan nilai secara For the purposes of a collective evaluation of
kolektif, aset keuangan dikelompokkan berdasarkan impairment, financial assets are grouped based on
kesamaan karakteristik risiko kredit seperti similar credit risk characteristics such as loan
mempertimbangkan segmentasi kredit dan status segmentation and arrears status. Future cash flows
tunggakan. Arus kas masa datang dari kelompok from a group of financial assets that are collectively
aset keuangan yang penurunan nilainya dievaluasi evaluated for impairment, estimated based on
secara kolektif, diestimasi berdasarkan kerugian historical loss experienced for assets that have
historis yang pernah dialami atas aset-aset yang credit risk characteristics similar to the
memiliki karakteristik risiko kredit yang serupa characteristics of the group's credit risk in the
dengan karakteristik risiko kredit kelompok tersebut Bank.
di dalam Bank.
Bank menggunakan statistical model analysis The Bank used statistical model analysis methods,
method, yaitu roll rates analysis method, dengan namely the roll rates analysis method, by analyzing
menganalisis kredit pada setiap periode tunggakan the delinquent loans in each period (delinquency
(delinquency stage) dalam rentang waktu bulanan stage) in a monthly range (30 days) were classified
(30 hari) yang digolongkan dalam 8 (delapan) in 8 (eight) bucket for the assessment of impairment
bucket untuk penilaian penurunan nilai aset of financial assets collectively using historical data
keuangan secara kolektif dengan menggunakan data at least 3 (three) years.
historis minimal 3 (tiga) tahun.
Ketika kredit yang diberikan tidak tertagih, kredit When loans is uncollected, reversing journal is written-
tersebut dihapus buku dengan menjurnal balik off loans with Allowance for impairment. Loans can be
Cadangan Kerugian Penurunan Nilai. Kredit tersebut written off after all the necessary procedures have been
dapat dihapus buku setelah semua prosedur yang performed and the amount of the loss has been
diperlukan telah dilakukan dan jumlah kerugian telah determined. Impairment charges related to loans and
ditentukan. Beban penurunan nilai yang terkait dengan securities (in held-to-maturity and loans and
kredit yang diberikan dan efek-efek (di dalam kategori receivables) are classified into the “Allowance for
dimiliki hingga jatuh tempo dan pinjaman yang Impairment Losses”.
diberikan dan piutang) diklasifikasikan ke dalam
“Pembentukan Cadangan Kerugian Penurunan Nilai”.
Jika pada periode berikutnya, jumlah kerugian If in a subsequent period, the amount of the impairment
penurunan nilai berkurang dan pengurangan tersebut loss decreases and the decrease can be related
dapat dikaitkan secara obyektif pada peristiwa yang objectively to an event occurring after the impairment
terjadi setelah penurunan nilai diakui (seperti was recognized (such as increasing the debtor's credit
meningkatnya peringkat kredit debitur), maka kerugian rating), the impairment loss previously recognized is
penurunan nilai yang sebelumnya diakui harus reversed by adjusting the allowance account. Total
dipulihkan, dengan menyesuaikan akun cadangan. recovery of financial assets are recognized in the
Jumlah pemulihan aset keuangan diakui pada laporan statement of profit or loss and other comprehensive
laba rugi dan penghasilan komprehensif lain. income.
Penerimaan kemudian atas kredit yang diberikan yang Subsequent recoveries of loans written-off in the
telah dihapuskan pada tahun berjalan dicatat sebagai current year is recorded as a recovery of the Allowance
pemulihan dari Cadangan Kerugian Penurunan Nilai. for Impairment Losses.
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Page 479
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Teknik Evaluasi Kerugian Kredit Ekspektasian Technique for Evaluating Expected Credit Losses
(lanjutan) (continued)
ii. Perhitungan penurunan nilai secara kolektif ii. The calculation of collective impairment (continued)
(lanjutan)
Penerimaan kemudian atas kredit yang diberikan yang Subsequent recoveries of loans written-off in previous
telah dihapus bukukan pada tahun sebelumnya dicatat years are recorded as other operating income.
sebagai pendapatan operasional lainnya.
1) Aset keuangan pada biaya perolehan diamortisasi 1) Financial assets carried at amortized cost
Bank pertama-tama menentukan apakah terdapat The Bank first assesses whether objective
bukti obyektif mengenai penurunan nilai secara evidence of impairment exists individually for
individual atas aset keuangan yang signifikan financial assets that are individually significant,
secara individual, atau secara kolektif untuk aset or collectively for financial assets that are not
keuangan yang jumlahnya tidak signifikan secara individually significant. If the Bank determines
individual. Jika Bank menentukan tidak terdapat that no objective evidence of impairment exists
bukti obyektif mengenai penurunan nilai atas aset for an individually assessed financial asset,
keuangan yang dinilai secara individual, baik aset whether significant or not, it includes the asset in
keuangan tersebut signifikan atau tidak signifikan, a group of financial assets with similar credit risk
maka aset tersebut dimasukkan ke dalam characteristics and collectively assesses them for
kelompok aset keuangan yang memiliki impairment. Assets that the impairment are
karakteristik risiko kredit yang sejenis dan menilai individually assessed and for which an
penurunan nilai kelompok tersebut secara impairment loss is or continues to be recognized
kolektif. Aset yang penurunan nilainya dinilai are not included in a collective assessment for
secara individual dan kerugian penurunan nilai impairment.
tersebut tetap diakui, tidak termasuk dalam
penilaian penurunan nilai secara kolektif.
Jika terdapat bukti obyektif bahwa penurunan If there is objective evidence that an impairment
nilai telah terjadi atas aset dalam kategori loss on loan and receivables or held to maturity
pinjaman yang diberikan dan piutang atau financial assets that carried at amortized cost for
investasi dimiliki hingga jatuh tempo yang individually assessed has been incurred, the
dilaporkan pada biaya amortisasi, maka jumlah amount of the loss is measured as the difference
kerugian tersebut diukur sebagai selisih antara between the asset’s carrying amount and the
nilai tercatat aset dengan nilai kini estimasi arus present value of estimated future cash flows
kas masa depan (tidak termasuk kerugian kredit di (excluding future credit losses) that have not been
masa depan yang belum terjadi) yang didiskonto incurred discounted at the financial asset’s
menggunakan suku bunga efektif awal dari aset original effective interest rate (i.e. the effective
tersebut (yang merupakan suku bunga efektif yang interest rate computed at initial recognition).
dihitung pada saat pengakuan awal). Penurunan Impairment loss is recognized separately from the
nilai diakui secara terpisah dengan nilai bruto aset gross value of assets and losses are recognized in
dan jumlah kerugian yang terjadi diakui di laporan the statement of profit or loss and other
laba rugi dan penghasilan komprehensif lain. comprehensive income.
Untuk tujuan evaluasi penurunan nilai kolektif For the purposes of collective impairment
atas kredit, Bank memakai data kerugian historis evaluation of loans, the Bank used historical data
untuk menentukan besarnya penurunan nilai atas to determine the impairment on loans collectively
kredit secara kolektif sesuai dengan PSAK. Data in accordance with the requirements of the PSAK.
historis yang digunakan adalah data kerugian The historical data used is the existing data in
historis yang ada dalam Bank sesuai kelompok accordance with the Bank’s loans groups having
kredit yang mempunyai tingkat risiko kredit yang the same level of credit risk.
sama.
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Page 480
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
d. Instrumen Keuangan (lanjutan) d. Financial Instruments (continued)
Penurunan Nilai Aset Keuangan (lanjutan) Impairment of Financial Assets (continued)
Teknik Evaluasi Kerugian Kredit Ekspektasian Technique for Evaluating Expected Credit Losses
(lanjutan) (continued)
ii. Perhitungan penurunan nilai secara kolektif ii. The calculation of collective impairment (continued)
(lanjutan)
2) Aset keuangan yang dikelompokkan dalam 2) Financial assets classified as available-for-sale
tersedia untuk dijual
Dalam hal instrumen ekuitas dikelompokkan In case of equity investments classified as AFS,
dalam kelompok tersedia untuk dijual, penelaahan assessment of any impairment would include a
penurunan nilai ditandai dengan penurunan nilai significant or prolonged decline in the fair value
wajar yang signifikan dan berkelanjutan dibawah of the investments below its cost. Where there is
biaya perolehannya. Jika terdapat bukti obyektif objective evidence of impairment, the cumulative
penurunan nilai, maka kerugian penurunan nilai loss measured as the difference between the
kumulatif yang dihitung dari selisih antara biaya acquisition cost and the current fair value, less
perolehan dengan nilai wajar kini, dikurangi any impairment loss on that financial asset
kerugian penurunan nilai yang sebelumnya telah previously recognized in the statements of profit
diakui dalam laporan laba rugi dan penghasilan or loss and other comprehensive income then
komprehensif lain, dikeluarkan dari ekuitas dan removed from equity and recognized in the
diakui dalam laporan laba rugi dan penghasilan statements of profit or loss and other
komprehensif lain. comprehensive income.
Kerugian penurunan nilai instrumen ekuitas tidak Impairment losses on equity investments are not
boleh dipulihkan melalui laporan laba rugi dan reversed through the statements of profit or loss
penghasilan komprehensif lain. Kenaikan nilai and other comprehensive income. Increases in
wajar setelah terjadinya penurunan nilai diakui fair value after impairment are recognized
pada ekuitas. directly in equity.
Dalam hal instrumen utang dalam kelompok In the case of debt instruments classified as AFS,
tersedia untuk dijual, penurunan nilai ditelaah impairment is assessed based on the same criteria
berdasarkan kriteria yang sama dengan aset as financial assets carried at amortized cost.
keuangan yang dicatat pada biaya perolehan Interest continues to be accrued at the original
diamortisasi. Bunga tetap diakru berdasarkan suku effective interest rate on the reduced carrying
bunga efektif asal yang diterapkan pada nilai amount of the asset and is recorded as part of
tercatat aset yang telah diturunkan nilainya dan interest income in the statements of profit or loss
dicatat sebagai bagian dari pendapatan bunga and other comprehensive income. If, in
dalam laporan laba rugi dan penghasilan subsequent period, the fair value of a debt
komprehensif lain. Jika pada periode berikutnya, instrument increased and the increase can be
nilai wajar instrumen utang meningkat dan objectively related to an event occurring after the
peningkatan nilai wajar tersebut karena suatu impairment loss then it recognized in the
peristiwa yang terjadi setelah penurunan nilai statements of profit or loss and other
tersebut diakui, maka penurunan nilai yang comprehensive income, the impairment loss is
sebelumnya diakui harus dipulihkan melalui reversed through the statements of profit or loss
laporan laba rugi dan penghasilan komprehensif and other comprehensive income.
lain.
Bank melakukan segmentasi pelaporan berdasarkan Segment reporting made by the bank is based on the
informasi keuangan yang digunakan oleh pengambil financial information used by operating decision
keputusan operasional dalam mengevaluasi kinerja makers in evaluating operating segment performance
segmen dan menentukan alokasi sumber daya yang and determining the allocation of its resources.
dimilikinya. Segmentasi berdasarkan aktivitas dari Segmentation based on the activity of each legal entity
setiap kegiatan operasi entitas legal didalam entitas. operating activities in the entity.
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Page 481
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
e. Giro pada Bank Indonesia dan Bank Lain e. Current accounts in Bank Indonesia and Other
Banks
Giro pada bank lain dan Bank Indonesia The current accounts with other banks and Bank
diklasifikasikan sebagai biaya perolehan yang Indonesia asre classified as amortized cost. Current
diamortisasi. Giro pada bank lain dan Bank Indonesia accounts with other banks and Bank Indonesia are
dinyatakan sebesar biaya perolehan diamortisasi stated at amortized cost using the affective interest rate
menggunakan metode suku bunga efektif dikurangi method less allowance for impairment losses.
cadangan kerugian penurunan nilai.
Lihat Catatan 3d untuk kebijakan akuntansi atas aset Refer to Note 3d for the accounting polices of financial
dan liabilitas keuangan. assets and liabilities.
Giro pada Bank Indonesia dan bank lain dinyatakan Current accounts in Bank Indonesia and other banks
sebesar biaya perolehan diamortisasi menggunakan are stated at amortized cost using the effective interest
metode suku bunga efektif dikurangi cadangan method less allowance for impairment loss and
kerugian penurunan nilai dan diklasifikasikan sebagai classified as loan and receivables. The specific
aset keuangan dalam kategori pinjaman yang diberikan accounting policy for loan and receivables is disclosed
dan piutang. Kebijakan akuntansi untuk pinjaman yang in (Note 3d).
diberikan dan piutang diungkapkan pada (Catatan 3d).
Giro Wajib Minimum Statutory Reserves Requirement
Sesuai dengan peraturan Bank Indonesia mengenai In accordance with prevailing Bank Indonesia
Giro Wajib Minimum Bank Umum pada Bank regulation concerning Statutory Reserve in Rupiah and
Indonesia dalam Rupiah dan Valuta Asing, Bank Foreign Currency for Commercial Banks, Bank is
diwajibkan untuk menempatkan sejumlah persentase required to place certain percentage of deposits from
tertentu atas simpanan nasabah pada Bank Indonesia. customers with Bank Indonesia.
f. Penempatan pada Bank Indonesia dan Bank Lain f. Placements in Bank Indonesia and Other Banks
Penempatan pada bank lain dan Bank Indonesia terdiri Placements with other banks and Bank Indonesia
dari Fasilitas Simpanan Bank Indonesia (FASBI), call consist of Bank Indonesia Deposit Facility (BIDF), call
money dan deposito berjangka. money and time deposits.
Penempatan pada bank lain dan Bank Indonesia Placements with other banks and Bank Indonesia are
diklasifikasikan sebagai biaya perolehan yang classified as amortized cost. Placements with other
diamortisasi. Penempatan pada bank lain dinyatakan bank are stated at amortized cost using the effective
sebesar biaya perolehan diamortisasi menggunakan interest rate method less allowance for impairment
metode suku bunga efektif dikurangi cadangan losses.
kerugian penurunan nilai.
Lihat catatan 3d untuk kebijakan akuntansi atas aset Rafer to note 3d for the accounting policies of financial
dan liabilitas keuangan. assets and liabilities.
Penempatan pada Bank Indonesia dan bank lain Placements in Bank Indonesia and other banks
merupakan penempatan dalam bentuk Fasilitas represent placements in Bank Indonesia Deposit
Simpanan Bank Indonesia, call money, deposito Facility, call money, time deposit and saving.
berjangka dan tabungan.
Penempatan pada Bank Indonesia dan bank lain Placements in Bank Indonesia and other banks are
diklasifikasikan sebagai aset keuangan dalam kategori classified as loan and receivables and are stated at
pinjaman yang diberikan dan piutang dan disajikan amortized cost using EIR less any allowance for
sebesar biaya perolehan diamortisasi dengan impairment losses. The specific accounting policy for
menggunakan EIR dikurangi dengan cadangan loan and receivables is disclosed in (Note 3d).
kerugian penurunan nilai. Kebijakan akuntansi untuk
pinjaman yang diberikan dan piutang diungkapkan
pada (Catatan 3d).
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Page 482
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
g. Efek-efek g. Securities
Efek-efek terdiri dari Sertifikat Bank Indonesia (SBI), Securities represent investments in Certificates of Bank
Sertifikat Deposito Bank Indonesia (SDBI), obligasi Indonesia (SBI), Deposits Certificates of Bank
pemerintah dan obligasi korporasi yang dikategorikan Indonesia (SDBI), government bonds and corporate
sebagai efek utang dan diklasifikasikan sebagai aset bonds are considered as debt securities and classified
keuangan yang dimiliki hingga jatuh tempo dan as HTM and AFS financial assets. The accounting
tersedia untuk dijual. Kebijakan akuntansi untuk efek- policy for these securities is disclosed in (Note 3d).
efek diungkapkan dalam (Catatan 3d).
h. Kredit h. Loans
Kredit yang diberikan diklasifikasikan sebagai aset Loans are classified as loans and receivables and are
keuangan dalam kategori pinjaman yang diberikan dan stated at amortized cost less allowance for impairment
piutang dan dinyatakan sebesar biaya perolehan losses. The specific accounting policy for loans and
diamortisasi dikurangi cadangan kerugian penurunan receivables is described in (Note 3d).
nilai. Kebijakan akuntansi untuk pinjaman yang
diberikan dan piutang dijelaskan pada (Catatan 3d).
Kredit dalam rangka perjanjian sindikasi, dinyatakan Syndicated loans are stated at the principal amount in
sebesar porsi kredit yang risikonya ditanggung oleh accordance with the risk portion borne by the Bank.
Bank.
Restrukturisasi kredit meliputi adanya perpanjangan Loans restructuring may involve extending the payment
jangka waktu pembayaran dan ketentuan kredit yang arrangements and the agreement of new loan
baru. Setelah syarat dan ketentuan telah dinegosiasi conditions. Once the terms have been renegotiated, any
ulang, penurunan nilai yang ada sebelumnya akan previous impairment is measured using the original
diukur dengan menggunakan suku bunga efektif awal EIR as calculated before the modification of the terms
sebelum ketentuan kredit dimodifikasi dan kredit and the loan is no longer considered “past due”.
tersebut tidak lagi dalam kategori “past due”. Management continuously reviews renegotiated loans
Manajemen akan melakukan kaji ulang kredit yang to ensure that all criteria are met and that the future
direstrukturisasi secara berkelanjutan untuk payments are likely to occur. The loans continue to be
memastikan bahwa seluruh syarat terpenuhi dan subject to an individual or collective impairment
pembayaran dimasa datang akan terjadi. Kredit assesment, which calculated using the loans’s original
tersebut akan dimasukkan dalam perhitungan EIR and follow the impairment assessment of loans.
penurunan nilai secara individual atau kolektif, yang
dihitung dengan menggunakan suku bunga efektif awal
dan mengikuti perlakuan atas perhitungan penurunan
nilai kreditnya.
Beberapa kebijakan internal mengenai restrukturisasi Some internal policies regarding loan restructuring are
kredit sebagai berikut: as follows:
- Restrukturisasi diberikan kepada debitur yang - Restructuring granted to debtors who has difficulty
mengalami kesulitan pembayaran pinjaman baik of loan payment both loan principal or interest of
pokok ataupun bunga pinjaman dan masih loan and they still have business prospects
memiliki prospek usaha
Pinjaman yang diberikan adalah penyediaan uang atau Loans represent funds provided or receivables that can
tagihan yang dapat disetarakan dengan itu, berdasarkan be considered as equivalents there of, based on
persetujuan atau kesepakatan pinjam-meminjam agreements or financing contracts with borrowers,
dengan debitur yang mewajibkan debitur untuk where borrowers are required to repay their debts with
melunasi utang dan bunganya setelah jangka waktu interest after a specified period, and matured trade
tertentu, da tagihan yang berasal dari fasilitas trade finance facilities whichhave not been settled within 15
finance yang telah jatuh tempo yang belum days.
diselesaikan dalam waktu 15 hari.
Pinjaman yang diberikan diklasifikasikan sebagai biaya Loans are classified as amortized cost.
perolehan yang diamortisasikan.
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Page 483
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
h. Kredit (lanjutan) h. Loans (continued)
Pinjaman yang diberikan pada awalnya diukur pada Loans are initially measured at fair value plus
nilai wajar ditambah dengan biaya transaksi yang dapat transaction costs that aredirectly attributableand
diatribusikan secara langsung dan biaya tambahan additional costs to obtain financial assets, and after
untuk memperoleh aset keuangan tersebut dan setelah initial recognition are measured at amortized cost
pengakuan awal diukur pada biaya perolehan based on the effective interest rate method less
diamortisasi menggunakan metode suku bunga efektif allowance for impairment losses
dikurangi dengan cadangan kerugian penurunan nilai.
Pinjaman sindikasi dan pinjaman penerusan dicatat Syndicated loans and two step loans are recorded
sesuai dengan porsi pinjaman yang risikonya according to the proportion or risks borne by the Bank
ditanggung oleh Bank.
Lihat catatan 3d untuk kebijakan akuntansi atas aset Refer to Note 3d for the accounting policies of
dan liabilitas keuangan. financial assets and liabilities.
- Debitur wajib mengajukan permohonan - The debtors must submit an application of loan
restrukturisasi kepada Bank restructuring to the Bank
- Wajib dilakukan analisa ulang atas kemampuan - Mandatory conducted a re-analysis of the ability of
pembayaran kewajiban dan appraisal ulang agunan repayment obligations and re-appraisal of collateral
- Keputusan restrukturisasi dilakukan oleh pejabat - Decision of the restructuring carried out by different
yang berbeda dari pemutus kredit awal officials from the initial loans authorized
- Wajib disempurnakan legalitas dan pengikatan - Mandatory enhanced legal and binding of collateral
agunan
- Penetapan kualitas kredit setelah restrukturisasi - Determination of loans collectibility after
mengacu kepada ketentuan Bank Indonesia terkini restructuring refers to the latest Bank Indonesia
mengenai kualitas aktiva produktif regulations concerning the quality of earning assets
Kredit yang diberikan dihapusbukukan, ketika kredit Loans are written-off, when loans has been included in
sudah masuk dalam kategori macet (kolektibilitas 5) loss category (collectibility 5) and there is no realistic
dan tidak terdapat prospek yang realistis mengenai prospect of collection in the near future and all
pengembalian dimasa datang dan semua jaminan telah collaterials that has sought to be realized or take over.
diupayakan untuk direalisasi atau sudah diambil alih. When a loan is deemed uncollectible, it is written-off
Kredit yang tidak dapat dilunasi dihapusbukukan against the related allowance for impairment losses.
dengan mendebit cadangan kerugian penurunan nilai.
Penerimaan kembali atas kredit yang telah dihapus The recoveries of loans written-off presented as other
bukukan, disajikan sebagai pendapatan operasional operational income.
lainnya.
i. Biaya Dibayar Dimuka i. Prepaid Expenses
Biaya dibayar dimuka adalah biaya yang telah Prepaid expenses are expenses which have been
dikeluarkan tetapi belum diakui sebagai beban pada incurred but have not been recognized as expenses in
periode terjadinya. the related period.
Biaya dibayar dimuka akan diakui sebagai beban pada Prepaid expenses are recognized as expenses in the
laporan laba rugi dan penghasilan komprehensif lain statements of profit or loss and other comprehensive
pada saat diamortisasi sesuai dengan masa manfaatnya. income during amortization in accordance with the
expected beneficial period.
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Page 484
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
j. Aset Tetap j. Fixed Assets
Sesuai dengan PSAK No. 216, “Aset Tetap”, Bank In accordance with PSAK No. 216, “Fixed Assets”,
memilih model biaya untuk pengukuran aset tetapnya. Bank has decided to use the cost model for fixed assets
measurement.
Aset tetap (kecuali tanah tidak disusutkan) dinyatakan Fixed assets (except land that is not depreciated) are
sebesar biaya perolehan dikurangi akumulasi stated at cost less accumulated depreciation and
penyusutan dan akumulasi rugi penurunan nilai, jika impairment losses, if any. Such costs include the cost of
ada. Biaya perolehan termasuk biaya penggantian replacing part of the fixed assets when that cost is
bagian aset tetap saat biaya tersebut terjadi, jika incurred, if the recognition criteria are met. When
memenuhi kriteria pengakuan. Dalam setiap inspeksi each major inspection is performed, its cost is
yang signifikan, biaya inspeksi diakui dalam jumlah recognized in the carrying amount of the item of fixed
tercatat aset tetap sebagai suatu penggantian apabila assets as a replacement if the recognition criteria are
memenuhi kriteria pengakuan. Biaya inspeksi satisfied. Such major inspection is capitalized and
signifikan yang dikapitalisasi tersebut diamortisasi amortized over the next major inspection activity. All
selama periode sampai dengan saat inspeksi signifikan other repairs and maintenance costs that do not meet
berikutnya. Semua biaya pemeliharaan dan perbaikan the recognition criteria are recognized in statement of
yang tidak memenuhi kriteria pengakuan diakui dalam profit or loss and other comprehensive income when
laporan laba rugi dan penghasilan komprehensif lain incurred.
pada saat terjadinya.
Penyusutan dihitung dengan metode garis lurus Depreciation are computed using straight-line method,
(straight-line method) berdasarkan taksiran masa based on the estimated useful lives of the fixed assets
manfaat ekonomis aset tetap sebagai berikut: as follows:
Tarif penyusutan/
Depreciation rate Tahun/Years
Renovasi bangunan yang disewa 10-33% 3 – 10 Leasehold improvement
Kendaraan 20% 5 Vehicles
Perlengkapan, mesin dan peralatan kantor 20% 5 Office equipment, machine and furnitures
Nilai residu, umur manfaat dan metode penyusutan The estimated residual values, useful lives and
ditelaah setiap akhir tahun buku untuk memastikan depreciation methods are reviewed at each reporting
bahwa nilai residu, umur manfaat dan metode date to ensure that such residual values, useful lives
penyusutan telah diterapkan secara konsisten sesuai and depreciation methods are consistent with the
dengan ekspektasi pola manfaat ekonomis dari aset expected pattern of economic benefits from those
tersebut. assets.
Suatu aset tetap dihentikan pengakuannya pada saat Fixed asset that are derecognized upon disposal or
dilepaskan atau ketika tidak ada manfaat ekonomis when no future economic benefits are expected from its
masa depan yang diharapkan dari penggunaan atau use or disposal. Any gain or loss arising on
pelepasannya. Laba atau rugi yang timbul dari derecognition of the asset, (calculated as the difference
penghentian pengakuan aset (dihitung sebagai between the net proceeds from disposal and the
perbedaan antara jumlah neto hasil pelepasan dan carrying amount of fixed asset) is recognized in the
jumlah tercatat dari aset tetap) diakui dalam laporan statements of profit or loss and other comprehensive
laba rugi dan penghasilan komprehensif lain pada tahun income in the year of derecognition.
aset tersebut dihentikan pengakuannya.
Pelepasan aset tetap dapat dilakukan dengan berbagai Disposal of fixed assets can be done in various ways
cara (misalnya: dijual, disewakan dalam sewa (eg: sold, leased under a finance lease, or donated).
pembiayaan, atau disumbangkan).
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Page 485
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
j. Aset Tetap (lanjutan) j. Fixed Assets (continued)
Aset dalam pembangunan merupakan aset yang masih Assets under construction are assets that are still in the
dalam proses penyelesaian dan belum siap untuk process of being completed and not yet ready for use,
digunakan, serta dimaksudkan untuk dipergunakan and are intended to be used in business activities.
dalam kegiatan usaha. Aset ini dicatat sebesar biaya These assets are recorded at the cost incurred.
yang telah dikeluarkan.
Estimasi umur ekonomis, metode penyusutan dan nilai Estimation of economic life, depreciation method, and
residu telah ditelaah setiap akhir tahun pelaporan. residual value are reviewed at each financial year-end.
k. Aset dan Liabilitas Sewa k. Lease Assets and Liabilities
Bank mengakui aset hak guna pada tanggal dimulainya The Bank recognizes the use rights assets on the
sewa. Aset hak guna diukur pada biaya perolehan, inception date of the lease. Use rights assets are
dikurangi akumulasi penyusutan dan kerugian measured at cost, less accumulated depreciation and
penurunan nilai, dan disesuaikan untuk setiap impairment losses, and adjusted for any
pengukuran kembali liabilitas sewa. Liabilitas sewa remeasurement of the lease obligations. Lease
merupakan jumlah pembayaran sewa yang masih harus liabilities are the amount of lease payments accrued
dibayar hingga akhir masa sewa yang didiskontokan until the end of the lease term, discounted using the
dengan menggunakan suku bunga pinjaman incremental loan interest rate. The cost of lease assets
inkremental. Biaya aset hak guna mencakup jumlah includes the amount of lease liability recognized, initial
liabilitas sewa yang diakui, biaya langsung awal yang direct costs paid, recovery costs and lease payments
dibayarkan, biaya pemulihan dan pembayaran sewa made on or before the start date of the lease less rental
yang dilakukan pada atau sebelum tanggal mulai sewa incentives received. Use rights assets are depreciated
dikurangi insentif sewa yang diterima. Aset hak guna using the straight-line method over the shorter period
disusutkan dengan metode garis lurus selama jangka between the lease term and the estimated useful life of
waktu yang lebih pendek antara masa sewa dengan the asset, as follows:
estimasi masa manfaat aset, sebagai berikut:
Bangunan 10 Tahun/10 Years Building
Kendaraan 5 Tahun/5 Years Vehicle
Perlengkapan, mesin dan peralatan kantor 5 Tahun/5 Years Office equipment, machinery and equipment
Jika kepemilikan aset sewa dialihkan ke Bank pada If ownership of the leased asset is transferred to the
akhir masa sewa atau pembayaran sewa mencerminkan Bank at the end of the lease term or the lease payment
pelaksanaan opsi pembelian, penyusutan dihitung reflects the exercise of the purchase option,
menggunakan estimasi masa manfaat ekonomis aset. depreciation is calculated using the estimated useful
Aset hak guna diuji penurunan nilainya sesuai dengan life of the asset. Use rights assets are tested for
PSAK 236 Penurunan Nilai Aset. impairment in accordance with PSAK 236 Impairment
of Assets Value.
Pada tanggal dimulainya sewa, Bank mengakui At the inception date of the lease, the Bank recognizes
liabilitas sewa yang diukur pada nilai kini dari lease liabilities at the present value of future lease
pembayaran sewa masa depan yang akan dilakukan payments that will be made over the lease term. Lease
selama masa sewa. Pembayaran sewa termasuk payments include fixed payments (including
pembayaran tetap (termasuk pembayaran tetap secara- substantially fixed payments) less lease incentive
substansi) dikurangi piutang insentif sewa, pembayaran receivables, variable lease payments that are index or
sewa variabel yang bergantung pada indeks atau suku interest rate dependent, and the amount expected to be
bunga, dan jumlah yang diharapkan akan dibayar paid in a residual value guarantee. The lease payment
dalam jaminan nilai residu. Pembayaran sewa juga also includes the reasonable exercise price for the
termasuk harga eksekusi opsi pembelian yang wajar purchase option if it is determined to be made by the
jika dipastikan akan dilakukan oleh Bank dan Bank and the payment of a penalty to terminate the
pembayaran penalti untuk mengakhiri sewa, jika jangka lease, if the lease term reflects the Bank exercising the
waktu sewa mencerminkan Bank mengeksekusi opsi lease termination option. Variable lease payments that
penghentian sewa. Pembayaran sewa variabel yang are not dependent on an index or interest rate are
tidak bergantung pada indeks atau suku bunga diakui recognized as an expense in the period in which the
sebagai beban pada periode di mana peristiwa atau event or condition that triggers the payment occurs.
kondisi yang memicu pembayaran terjadi.
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Page 486
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
k. Aset dan Liabilitas Sewa (lanjutan) k. Lease Assets and Liabilities (continued)
Dalam menghitung nilai kini dari pembayaran In calculating the present value of lease payments, the
sewa, Bank menggunakan suku bunga pinjaman Bank uses the incremental loan interest rate of the
inkremental penyewa pada tanggal dimulainya sewa lessee at the inception date of the lease because the
karena suku bunga implisit dalam sewa tidak dapat interest rate implicit in the lease cannot be determined.
ditentukan. Setelah tanggal dimulainya sewa, jumlah After the inception date of the lease, the amount of the
liabilitas sewa ditingkatkan untuk mencerminkan lease liability is increased to reflect the increase in
pertambahan bunga dan dikurangi pembayaran sewa interest and less lease payments made. In addition, the
yang dilakukan. Selain itu, jumlah tercatat liabilitas carrying amount of the lease liability is remeasured if
sewa diukur kembali jika terdapat modifikasi, there are modifications, changes in the term of the
perubahan jangka waktu sewa, perubahan pembayaran lease, changes in lease payments, or changes in the
sewa, atau perubahan dalam penilaian opsi untuk valuation of the option to purchase the underlying
membeli aset pendasar. asset.
Sewa jangka pendek dengan durasi kurang dari 12 Short-term leases with a duration of less than 12
bulan dan sewa aset bernilai rendah, serta elemen- months and leases of low value assets, as well as
elemen sewa tersebut, sebagian atau seluruhnya tidak elements of the leases, partially or wholly do not apply
menerapkan prinsip-prinsip pengakuan yang ditentukan the recognition principles stipulated by PSAK 116 will
oleh PSAK 116 akan diperlakukan sama dengan sewa be treated the same as operating leases in ISAK 121.
operasi pada ISAK 121. Bank akan mengakui lease on a straight-line basis over the lease term in the
pembayaran sewa tersebut dengan dasar garis lurus statement of profit or loss and other comprehensive
selama masa sewa dalam laporan laba rugi dan income. This expense is shown under general and
penghasilan komprehensif lain. Beban ini ditunjukkan administrative expenses in the income statement.
pada beban umum dan administrasi dalam laporan
laba rugi.
Bank menyajikan sewa yang sebelumnya The Bank presents leases that were previously
diklasifikasikan sebagai sewa operasi pada ISAK 121, classified as operating leases in ISAK 121, which are
yang tidak diungkapkan dalam laporan posisi not disclosed in the statement of financial position. The
keuangan. Penerapan pencatatan PSAK 116 berlaku application of PSAK 116 listing applies to all leases
untuk seluruh sewa (kecuali sebagaimana yang (except as stated earlier), the Bank:
disebutkan sebelumnya), Bank:
- Menyajikan aset hak-guna sebagai bagian dari aset - Present asset rights as part of property, plant and
tetap dan liabilitas sewa disajikan sebagai bagian dari equipment and lease liabilities are presented as part
liabilitas lain-lain dalam laporan posisi keuangan, of other liabilities in the statement of financial
yang diukur pada nilai kini dari pembayaran sewa position, measured at the present value of future
masa depan; lease payments;
- Mencatat penyusutan aset hak-guna dan bunga atas - Record the depreciation of the use of rights assets
liabilitas sewa dalam laporan laba rugi dan and interest on the lease liability in the statement of
penghasilan komprehensif; dan comprehensive income and loss; and
- Memisahkan jumlah total pembayaran ke bagian - Separating the total payment into principal
pokok (disajikan dalam kegiatan pendanaan) dan (presented in financing activities) and interest
bunga (disajikan dalam kegiatan operasional) dalam (presented in operational activities) in the cash flow
laporan arus kas. statement.
Penentuan apakah suatu kontrak merupakan, atau The determination of whether an arrangement is, or
mengandung unsur sewa adalah berdasarkan substansi contains a lease is based on the substance of the
kontrak pada tanggal awal sewa, yakni apakah arrangement at inception date of whether the
pemenuhan syarat kontrak tergantung pada fulfillment of the arrangement is dependent on the use
penggunaan aset tertentu dan kontrak tersebut berisi of a specific asset or assets and the arrangement
hak untuk menggunakan aset tersebut sesuai dengan conveys a right to use the asset in accordance with
PSAK No. 116 (Revisi 2014), “Sewa”. PSAK No. 116 (Revised 2014), “Leases”.
- 37 -
Page 487
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
k. Aset dan Liabilitas Sewa (lanjutan) k. Lease Assets and Liabilities (continued)
Transaksi sewa yang dilakukan Bank diklasifikasikan The lease transaction entered into by the Bank was
sebagai sewa operasi jika tidak terdapat pengalihan classified as an operating lease if it does not transfer
secara substansial seluruh risiko dan manfaat yang substantially all the risks and rewards incidental to
terkait dengan kepemilikan aset. Pembayaran sewa ownership. Lease payment is recognized as an expense
diakui sebagai beban dengan garis lurus selama masa on a straight-line basis over the lease term.
sewa.
Transaksi jual dan sewa-balik meliputi penjualan suatu A sale and lease-back transaction involves the sale of
aset dan penyewaan kembali aset yang sama. an asset and the leasing back of the same asset. The
Pembayaran sewa dan harga jual biasanya saling lease payment and the sale price are usually
terkait karena keduanya dinegosiasikan sebagai suatu interdependent because they are negotiated as a
paket. Perlakuan akuntansi untuk transaksi jual dan package. The accounting treatment of a sale and lease-
sewa-balik bergantung pada jenis sewanya. back transaction depends upon the type of the lease
involved.
Jika suatu transaksi jual dan sewa-balik merupakan If a sale and lease-back transaction results in a finance
sewa pembiayaan, selisih lebih hasil penjualan dari lease, any excess of the sales proceeds over the
nilai tercatat tidak dapat diakui segera sebagai carrying amount shall not be immediately recognizes
pendapatan oleh penjual (lessee), tetapi ditangguhkan as income by a seller (lessee); instead it shall be
dan diamortisasi selama masa sewa. deferred and amortized over the lease term.
Jika transaksi jual dan sewa-balik merupakan sewa If a sale and lease-back transaction results in an
operasi dan jelas bahwa transaksi tersebut terjadi pada operation lease, and it is clear that the transaction is
nilai wajar, maka laba atau rugi harus diakui segera. established at fair value, any gain or loss shall be
recognized immediately.
Transaksi jual dan sewa-balik yang dilakukan Bank The sale and lease-back transaction entered into by the
merupakan sewa operasi dan diakui sebagai beban Bank was considered as an operating lease and is
dengan dasar garis lurus selama masa sewa. recognized as an expense on a straight-line basis over
the lease term.
Evaluasi ulang atas perjanjian sewa dilakukan setelah A reassessment is made after inception of the lease only
tanggal awal sewa hanya jika salah satu kondisi berikut if one of the following applies:
terpenuhi:
a. Terdapat perubahan dalam persyaratan perjanjian a. There is a change in contractual terms, other
kontraktual, kecuali jika perubahan tersebut hanya than a renewal or extension of the agreement;
memperbarui atau memperpanjang perjanjian
yang ada;
b. Opsi pembaruan dilakukan atau perpanjangan b. A renewal option is exercised or extension
disetujui oleh pihak-pihak yang terkait dalam granted, unless the term of the renewal or
perjanjian, kecuali ketentuan pembaruan atau extension was initially included in the lease term;
perpanjangan pada awalnya telah termasuk dalam
masa sewa;
c. Terdapat perubahan dalam penentuan apakah c. There is a change in the determination of whether
pemenuhan perjanjian tergantung pada suatu aset the fulfillment is dependent on a specified asset;
tertentu; atau or
d. Terdapat perubahan subtansial atas aset yang d. There is a substantial change to the asset.
disewa.
- 38 -
Page 488
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
k. Aset dan Liabilitas Sewa (lanjutan) k. Lease Assets and Liabilities (continued)
Apabila evaluasi ulang telah dilakukan, maka Where a reassessment is made, lease accounting shall
akuntansi sewa harus diterapkan atau dihentikan commence or cease from the date when the change in
penerapannya pada tanggal dimana terjadi perubahan circumstances gave rise to the reassessment for
kondisi pada skenario a, c atau d dan pada tanggal scenarios a, c or d and the date of renewal or extension
pembaharuan atau perpanjangan sewa pada skenario b. period for scenario b.
Dalam perlakuan akuntansi sewa oleh lessee, sewa Under the lessee accounting, finance leases, which
pembiayaan, dimana terdapat pengalihan secara transfer to the Bank substantially all the risks and
substansial seluruh risiko dan manfaat yang terkait benefits incidental to ownership of the leased item, are
dengan kepemilikan suatu aset kepada Bank, capitalized at the inception of the lease at the fair value
dikapitalisasi pada awal sewa sebesar nilai wajar aset of the leased property or, if lower, at the present value
sewaan atau sebesar nilai kini dari pembayaran sewa of the minimum lease payments. Lease payments are
minimum, jika nilai kini lebih rendah dari nilai wajar. apportioned between the finance charges and reduction
Pembayaran sewa dipisahkan antara bagian yang of the lease liability so as to achieve a constant rate of
merupakan beban keuangan dan bagian yang interest on the remaining balance of the liability.
merupakan pelunasan liabilitas sehingga menghasilkan Finance charges are charged directly against
suatu tingkat suku bunga periodik yang konstan atas statement of profit or loss and other comprehensive
saldo liabilitas. Beban keuangan dibebankan ke laba income.
rugi dan penghasilan komprehensif lain periode
berjalan.
Aset sewaan disusutkan secara penuh selama jangka Capitalized leased assets are depreciated over the
waktu yang lebih pendek antara periode masa sewa dan shorter of the estimated useful life of the asset and the
umur manfaatnya, jika tidak ada kepastian yang lease term, if there is no reasonable certainty that the
memadai bahwa Bank akan mendapatkan hak Bank will obtain ownership by the end of the lease
kepemilikan pada akhir masa sewa. term.
Pembayaran sewa dalam sewa operasi diakui sebagai Operating lease payments are recognized as an
beban dalam laporan laba rugi dan penghasilan expense in the statements of profit or loss and other
komprehensif lain dengan dasar garis lurus (straight- comprehensive income on a straight-line basis over the
line basis) selama masa sewa. lease term.
l. Agunan yang Diambil Alih dan Properti l. Foreclosed Assets and Abandoned Properties
Terbengkalai
Agunan yang diambil alih sehubungan dengan Foreclosed assets acquired through loan foreclosures
penyelesaian kredit dicatat berdasarkan nilai bersih are stated at net realizable value, which is the fair
yang dapat direalisasi, yaitu nilai wajar agunan setelah value of the foreclosed asset, net of estimated cost to
dikurangi estimasi biaya pelepasan atau nilai sell or stated as loan outstanding amount, whichever
outstanding kredit mana yang lebih rendah. Selisih is lower. The excess of the uncollectible loan balance
lebih antara saldo kredit yang tidak dapat ditagih over the value of the collateral is charged to allowance
dengan nilai agunan yang diambil alih tersebut for impairment losses on non financial asset. Gain or
dibebankan pada cadangan kerugian penurunan nilai losses earned or incurred from the sale of foreclosed
aset non keuangan. Laba atau rugi yang diperoleh atau assets are credited or charged to statements of profit or
berasal dari penjualan agunan yang diambil alih loss and other comprehensive income for the current
dibebankan pada laporan laba rugi dan penghasilan year.
komprehensif lain tahun berjalan.
Properti terbengkalai adalah aset tetap dalam bentuk Abandoned properties represent Bank’s fixed assets in
properti yang dimiliki Bank tetapi tidak digunakan from of property which was not used for the Bank’s
untuk kegiatan usaha operasional Bank. Properti business operational activity. These properties are
terbengkalai ini dicatat berdasarkan nilai bersih yang stated at net realizable value. Repairs and maintenance
dapat direalisasi. Biaya-biaya pemeliharaan dan expenses for the current period are charge to expense
perbaikan periode berjalan dibebankan pada saat as incurred.
terjadinya.
Atas agunan yang diambil alih dan properti Foreclosed assets and abandoned properties are
terbengkalai, dibentuk cadangan kerugian penurunan provided with allowance for impairment losses in
nilai sesuai dengan ketentuan PSAK 105 yang berlaku accordance with the regulation of PSAK 105 (Note 2a).
(Catatan 2a).
- 39 -
Page 489
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
m. Aset Takberwujud m. Intangible Assets
Bank mengklasifikasikan aset takberwujud dalam aset The Bank classifies intangible assets in others assets,
lain-lain, berupa perangkat lunak dan hak paten. Aset such as software and patent. Intangible assets are
takberwujud dicatat sebesar biaya perolehan dikurangi stated at cost less accumulated amortization and
akumulasi amortisasi dan akumulasi rugi penurunan accumulated impairment loss, if any.
nilai, jika ada.
Amortisasi diakui dalam laporan laba rugi dan Amortization is recognized in statements of profit or
penghasilan komprehensif lain dengan menggunakan loss and comprehensive income using the straight line
metode garis lurus berdasarkan taksiran masa manfaat method based on its estimated useful lives of 5 years or
ekonomis selama 5 tahun atau dengan tarif penyusutan with depreciation rate of 20% for software and 10
sebesar 20% untuk perangkat lunak dan 10 tahun atau years or with depreciation rate of 10% for patent.
dengan tarif penyusutan sebesar 10% untuk hak paten.
Masa manfaat ekonomis, nilai residu dan metode The estimated useful lives, residual values and
amortisasi ditelaah setiap akhir tahun. amortization method are reviewed at each financial
year end.
Aset takberwujud dihentikan pengakuannya jika: Intangible assets is derecognition if:
a. Dilepas; atau a. Disposed; or
b. Ketika tidak terdapat lagi manfaat ekonomi masa b. If there is no expectation of future economic
depan yang diharapkan dari penggunaan atau benefit used or released.
pelepasannya.
n. Liabilitas Segera n. Liabilities Due Immediately
Liabilitas segera dicatat pada saat timbulnya liabilitas Liabilities due immediately are recognized at the time
atau diterima perintah dari pemberi amanat, baik dari of the obligations occurred or receipt of transfer order
nasabah maupun dari bank lain. from customers or other banks.
Liabilitas segera disajikan sebesar jumlah liabilitas Liabilities due immediately are stated at the liability
bank dan diklasifikasikan sebagai liabilitas keuangan amount and classified as financial liabilities
yang diukur pada biaya perolehan diamortisasi. measured at amortized cost. The specific accounting
Kebijakan akuntansi untuk liabilitas keuangan yang policy for financial liabilities measured at amortized
diukur pada biaya perolehan diamortisasi dijelaskan cost is explained in (Note 3d).
pada (Catatan 3d).
o. Simpanan dari Nasabah o. Deposits from Customers
Giro merupakan dana nasabah yang dapat digunakan Demand deposits represent deposits from customers
sebagai alat pembayaran dan penarikannya dapat that can be used as instruments of payment and can be
dilakukan setiap saat melalui cek, atau dengan cara withdrawn at any time through cheques or transfer of
pemindahbukuan dengan bilyet giro atau sarana funds with clearing account or other forms.
perintah pembayaran lainnya.
Tabungan merupakan dana nasabah yang bisa ditarik Savings accounts represent deposits from customers
setiap saat berdasarkan persyaratan tertentu yang that can be withdrawn at anytime based on certain
disepakati bersama. conditions agreed by both parties.
Deposito berjangka merupakan simpanan nasabah yang Time deposits represent deposits from customers that
dapat ditarik dalam jangka waktu tertentu berdasarkan can be withdrawn after a certain time in accordance
kesepakatan antara nasabah dengan Bank. with the agreement between the customers and the
Bank.
Simpanan dari nasabah diklasifikasikan sebagai Deposits from customers are classified as financial
liabilitas keuangan yang diukur pada biaya perolehan liabilities at amortized cost. The specific accounting
diamortisasi. Kebijakan akuntansi untuk liabilitas policy for financial liabilities at amortized cost is
keuangan yang diukur pada biaya perolehan explained in (Note 3d).
diamortisasi dijelaskan pada (Catatan 3d).
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Page 490
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
p. Simpanan dari Bank Lain p. Deposits from Other Banks
Simpanan dari bank lain terdiri dari kewajiban terhadap Deposits from other banks represent liabilities to other
bank lain, dalam bentuk giro, deposito berjangka, banks in the form of demand deposits, time deposits,
tabungan dan interbank call money. saving and interbank call money.
Simpanan dari bank lain diklasifikasikan sebagai Deposits from other banks are classified as financial
liabilitas keuangan pada biaya perolehan diamortisasi. liabilities at amortized cost. The specific accounting
Kebijakan akuntansi untuk kewajiban keuangan diukur policy for financial liabilities at amortized cost is
pada biaya perolehan diamortisasi dijelaskan pada explained in (Note 3d).
(Catatan 3d).
q. Efek-efek yang Dijual dengan Janji Dibeli Kembali q. Securities Sold under Repurchase Agreement and
dan Efek-efek yang Dibeli dengan Janji Dijual Securities purchased under agreement to resell
Kembali
Efek-efek yang dibeli dengan janji untuk dijual kembali Securities purchased under agreements to resell are
disajikan sebagai biaya perolehan yang diamortisasi. classified as amortized cost.
Efek-efek yang dibeli dengan janji untuk dijual kembali Securities purchased under agreements to resell are
disajikan sebagai aset dalam laporan posisi keuangan presented as assets in the statement of financial
sebesar jumlah penjualan kembali dikurangi dengan position, at the resale price net of unamortized interest
pendapatan bunga yang belum diamortisasi dan income and allowance for impairment losses. The
cadangan kerugian penurunan nilai. Selisih antara difference between the purchase price and the resale
harga beli dan harga jual kembali diperlakukan sebagai price is treated as unearned interest income, and
pendapatan bunga yang ditangguhkan dan diakui recognized as income over the period starting from
sebagai pendapatan selama periode sejak efek-efek when those securities are purchased until they are sold
tersebut dibeli hingga dijual menggunakan suku bunga using effective interest rate methode.
efektif.
Efek-efek yang dijual dengan janji untuk dibeli kembali Securities sold under agreements to repurchase are
diklasifikasikan sebagai liabilitas keuangan yang classified as financial liabilities measured at amortized
diukur dengan biaya perolehan diamortisasi. cost.
Efek-efek yang dijual dengan janji untuk dibeli kembali Securities sold under agreements to repurchase are
disajikan sebagai liabilitas dalam laporan posisi presented as liabilities in the statement of financial
keuangan sebesar jumlah pembelian kembali, dikurangi position , at the repurchase price, net of unamortized
dengan bunga dibayar dimuka yang belum prepaid interest. The difference between the selling
diamortisasi. Selisih antara harga jual dengan harga price and the repurchase price is treated as prepaid
beli kembali diperlakukan sebagai bunga dibayar interest and recognized as interest expense over the
dimuka dan diakui sebagai beban bunga selama jangka period starting from when those securities are sold
waktu sejak efek – efek tersebut dijual hingga dibeli until they are repurchased using effective interest rate
kembali menggunakan metode suku bunga efektif. method.
Lihat Catatan 3d untuk kebijakan akuntansi atas aset Refer to Note 3d for the accounting policies of financial
dan liabilitas keuangan. assets and liabilities.
- 41 -
Page 491
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
r. Cadangan Kerugian Penurunan Nilai atas Aset r. Allowance for Impairment Losses on Non-financial
Non-Keuangan dan Estimasi Kerugian Komitmen Assets and Estimated Losses on Commitments and
dan Kontinjensi Contingencies
Sejak tanggal 1 Januari 2011, Bank menentukan Starting January 1, 2011, the Bank determines
cadangan kerugian penurunan nilai aset non-keuangan allowance for impairment losses from non-financial
sesuai dengan Surat Edaran Bank Indonesia No. assets, based on Bank Indonesia Letter
13/658/DPNP/IDPnP tanggal 23 Desember 2011. Bank No.13/658/DPNP/IDPnP dated December 23, 2011.
tidak diwajibkan lagi untuk membentuk penyisihan The Bank no longer required to provide the provision
kerugian atas aset non produktif dan estimasi kerugian for possible losses on non-earning assets and estimated
komitmen dan kontinjensi. Namun, Bank tetap harus losses on commitments and contingencies. However,
menghitung cadangan kerugian penurunan nilai the Bank still need to calculate the allowance for
mengacu kepada Standar Akuntansi Keuangan yang impairment losses accordance with applicable
berlaku. Financial Accounting Standards.
PSAK No. 236 (Revisi 2014) mengenai “Penurunan In compliance with PSAK No. 236 (Revised 2014),
Nilai Aset” mensyaratkan manajemen Bank untuk “Impairment in Asset Value”, asset values are
menelaah nilai aset untuk setiap penurunan dan reviewed for any impairment and possible write-down
penghapusan ke nilai wajar jika keadaan menunjukkan to their fair values whenever events or changes in
bahwa nilai tercatat tidak bisa diperoleh kembali. Di circumstances indicate that the carrying value may not
lain pihak, pemulihan kerugian penurunan nilai diakui be fully recovered. On the other hand, a reversal of an
apabila terdapat indikasi bahwa penurunan nilai impairment loss is recognized whenever there is
tersebut tidak lagi terjadi. Penurunan (pemulihan) nilai indication that the asset is not impaired anymore. The
aset diakui sebagai beban (pendapatan) pada laba rugi amount of impairment loss (reversal of impairment
dan penghasilan komprehensif lain periode berjalan. loss) is recognized in the current period’s statement of
profit or loss and other comprehensive income.
Nilai tercatat aset ditelaah kembali dan dilakukan The carrying values of assets are reviewed for
penurunan nilai apabila terdapat peristiwa atau impairment when events or changes in circumstances
perubahan kondisi tertentu yang mengindikasikan nilai indicate that the carrying values may not be
tercatat tersebut tidak dapat dipulihkan sepenuhnya. recoverable. Any impairment loss is recognized in the
Setiap rugi penurunan atau pemulihan nilai diakui pada statements of profit or loss and other comprehensive
laporan laba rugi dan penghasilan komprehensif lain income in the current period.
periode berjalan.
s. Pendapatan dan Beban Bunga s. Interest Income and Expense
Pendapatan dan beban bunga dicatat sesuai dengan Interest income and expenses are recorded in
PSAK No. 102 (Revisi 2014), “Instrumen Keuangan: accordance with PSAK No. 102 (Revised 2014),
Pengakuan dan Pengukuran”. “Financial Instruments; Recognition and
Measurement”.
Instrumen keuangan yang diukur pada biaya perolehan Financial instruments measured at amortized cost,
diamortisasi, aset dan liabilitas keuangan yang financial assets and liabilities classified as AFS is
diklasifikasikan sebagai tersedia untuk dijual, recorded using the EIR method, which is the rate that
pendapatan maupun beban bunganya diakui dengan exactly discounts of estimated future cash payments or
menggunakan metode EIR, yaitu suku bunga yang akan receipts through the expected life of the financial
mendiskonto secara tepat estimasi pembayaran atau instrument or a shorter period, where appropriate, to
penerimaan kas di masa datang sepanjang perkiraan the net carrying amount of the financial asset or
umur instrumen keuangan tersebut atau, masa yang financial liability. The calculation takes into account
terpendek, mana yang lebih sesuai sebagai nilai bersih all contractual terms of the financial instrument and
aset atau liabilitas keuangan. Perhitungan dilakukan includes any fees or incremental costs that are directly
dengan mempertimbangkan seluruh syarat dan attributable to the instrument and as an integral part of
ketentuan kontraktual instrumen keuangan termasuk the EIR.
fee/biaya tambahan yang terkait secara langsung
dengan instrumen tersebut yang merupakan bagian
tidak terpisahkan dari EIR.
- 42 -
Page 492
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
s. Pendapatan dan Beban Bunga (lanjutan) s. Interest Income and Expense (continued)
Nilai tercatat aset atau liabilitas keuangan disesuaikan The carrying amount of the financial asset or financial
jika Bank merevisi estimasi pembayaran maupun liability is adjusted if the Bank revises its estimates of
penerimaan. Nilai tercatat yang disesuaikan tersebut payments or receipts. The adjusted carrying amount is
dihitung dengan menggunakan EIR awal dan calculated based on the original EIR and the change in
perubahan nilai tercatat dicatat di laporan laba rugi dan carrying amount is recorded in the statements of profit
penghasilan komprehensif lain. Tetapi untuk aset or loss and other comprehensive income. However, for
keuangan yang telah direklasifikasi, dimana pada tahun a reclassified financial asset for which the Bank
berikutnya Bank meningkatkan estimasi penerimaan subsequently increases its estimates of future cash
kas sebagai hasil dari peningkatan pengembalian receipts as a result of increased recoverability of those
penerimaan kas, dampak peningkatan pemulihan cash receipts, the effect of that increase is recognized
tersebut diakui sebagai penyesuaian EIR sejak tanggal as an adjustment to the EIR from the date of the change
perubahan estimasi. in estimate.
Pada saat nilai tercatat aset keuangan atau kelompok Once the recorded value of a financial asset or a group
aset keuangan yang serupa telah diturunkan akibat of similar financial assets has been reduced due to an
adanya kerugian penurunan nilai, penghasilan bunga impairment loss, interest income continues to be
tetap diakui dengan menggunakan tingkat suku bunga recognized using the rate of interest used to discount
yang digunakan untuk mendiskontokan arus kas masa the future cash flows for the purpose of measuring the
mendatang dalam pengukuran kerugian penurunan impairment loss.
nilai.
Penerimaan dari kredit yang “diragukan” dan “macet” Collection from loan classified as “doubtful” and
diakui terlebih dahulu sebagai pengurang pokok kredit. “loss” is recognized as a deduction of loan
Kelebihan penerimaan dari pokok kredit diakui sebagai outstanding. The excess payment from loan outstanding
penghasilan bunga. is recognized as interest income.
t. Pendapatan dan Biaya Lain-lain t. Other Income and Expenses
Provisi yang dapat diatribusikan secara langsung Fees that are directly attributable to the financial asset
terhadap aset keuangan diakui sebagai penyesuaian are recognized as adjustments to the EIR on such asset.
atas EIR aset keuangan tersebut.
Seluruh penghasilan dan beban lain-lain yang terjadi All of these other income and expenses are recorded in
dibebankan pada laporan laba rugi dan penghasilan the statement of profit or loss and comprehensive
komprehensif lain pada saat terjadinya. income when incurred.
u. Pajak Penghasilan u. Income Tax
Perlakuan akuntansi atas pajak poenghasilan sesuai Accounting treatment for income tax is in accordance
dengan PSAK No. 212 (Revisi 2014), “Pajak with PSAK No. 212 (Revised 2014), “Income Tax”.
Penghasilan”.
Beban pajak kini ditentukan berdasarkan laba kena Current tax expense is determined based on the taxable
pajak dalam periode yang bersangkutan yang dihitung income for the year computed using the prevailing tax
berdasarkan tarif pajak yang berlaku atau yang secara rates or substantively enacted at the reporting date.
substansial telah berlaku pada tanggal pelaporan.
Aset dan liabilitas pajak tangguhan diakui atas Deferred tax assets and liabilities are recognized for
konsekuensi pajak periode mendatang yang timbul dari the future tax consequences attributable to the
perbedaan jumlah tercatat aset dan liabilitas menurut differences between the financial statement carrying
laporan keuangan dengan dasar pengenaan pajak aset amounts of existing assets and liabilities and their
dan liabilitas. Liabilitas pajak tangguhan diakui untuk respective tax bases. Deferred tax liabilities are
semua perbedaan temporer kena pajak dan aset pajak recognized for all taxable temporary differences and
tangguhan diakui untuk perbedaan temporer yang deferred tax assets are recognized for deductible
boleh dikurangkan dan rugi fiskal yang belum temporary differences and carryforward tax benefit of
dikompensasikan, sepanjang besar kemungkinan dapat unused fiscal losses as long as the probable taxable
dimanfaatkan untuk mengurangi laba kena pajak pada income will be available in future periods against the
masa datang. deductible and carryforward tax benefit.
- 43 -
Page 493
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
u. Pajak Penghasilan (lanjutan) u. Income Tax (continued)
Pajak tangguhan diukur dengan menggunakan tarif Deferred tax is calculated at the tax rates that have
pajak yang berlaku atau secara substansial telah been enacted or substantively enacted at statement of
berlaku pada tanggal laporan posisi keuangan. Pajak financial position date. Deferred tax is charged to or
tangguhan dibebankan atau dikreditkan dalam laporan credited in the statements of profit or loss and other
laba rugi dan penghasilan komprehensif lain kecuali comprehensive income, except when it relates to items
pajak tangguhan yang dibebankan atau dikreditkan charged to or credited directly in equity, the deferred
langsung ke ekuitas. tax is also charged to or credited directly in equity.
Pajak tangguhan diakui dengan metode liabilitas atas Deferred tax has recognized with liability method
perbedaan pada tanggal pelaporan antara dasar through the difference at the reporting date between
pengenaan pajak aset dan liabilitas dan jumlah the bases of tax imposition’s asset and liability and the
tercatatnya untuk tujuan laporan keuangan pada carrying amount for the purpose of financial statement
tanggal pelaporan. at the reporting date.
Aset pajak tangguhan dan liabilitas pajak tangguhan Deferred tax assets and deferred tax liability are offset
disaling-hapuskan jika terdapat hak secara hukum if there is legally right to offsetting of current tax assets
untuk melakukan saling-hapus atas aset pajak kini towards current tax liability or deferred tax assets and
terhadap liabilitas pajak kini atau aset dan liabilitas liability at the same entity or business group that intend
pajak tangguhan pada entitas yang sama atau kelompok to complete assets and liability of net current assets.
usaha yang bermaksud untuk menyelesaikan aset dan
liabilitas atas aset lancar neto.
Aset dan liabilitas pajak tangguhan disajikan di laporan Deferred tax assets and liabilities are presented in the
posisi keuangan, atas dasar kompensasi sesuai dengan statements of financial position in the same manner the
penyajian aset dan liabilitas pajak kini. current tax assets and liabilities are presented.
Perubahan dicatat ketika surat ketetapan diterima atau, Amendments to tax obligations are recorded when an
jika Bank mengajukan banding, ketika hasil banding assessment is received or, if appealed against by the
telah ditetapkan. Bank, when the result of the appeal is determined.
v. Imbalan Pasca-kerja v. Post-employment Benefits
Bank menerapkan PSAK No. 219 (Revisi 2016) The Bank have adopted PSAK No. 219 (Revised 2016)
“Imbalan Kerja”. Bank menghitung dan mencatat “Employee Benefits”. The Bank calculates and
imbalan pasca-kerja atas uang pesangon, uang recognizes post-employment benefit obligation for
penghargaan masa kerja dan uang penggantian hak severance pay, gratuity and compensation in
sesuai dengan Undang-undang Ketenagakerjaan No. 13 accordance with Labor Law No. 13 dated March 25,
Tahun 2003 tanggal 25 Maret 2003 (UU No. 13/2003). 2003 (UU No. 13/2003). Post-employment benefits are
Imbalan pasca-kerja merupakan manfaat pasti yang unfunded which amounts are determined based on
dibentuk tanpa pendanaan khusus dan didasarkan pada years of service and salaries of the employees at the
masa kerja dan jumlah penghasilan karyawan pada saat time of pension. The actuarial valuation method used
pensiun. Metode penilaian aktuarial yang digunakan to determine the present value of defined-benefit
untuk menentukan nilai kini cadangan imbalan pasti, obligation, related current service costs and past
beban jasa kini yang terkait dan beban jasa lalu adalah service costs is the Projected Unit Credit. Current
metode Projected Unit Credit. Beban jasa kini, beban service costs, interest costs, past service costs which
bunga, beban jasa lalu yang telah menjadi hak are already vested, and effects of curtailments and
karyawan dan dampak kurtailmen atau penyelesaian settlements (if any) are charged directly to statement of
(jika ada) diakui segera pada laporan laba rugi dan profit or loss and other comprehensive income. Past
penghasilan komprehensif lain periode berjalan. Beban service costs which are not yet vested for working
jasa lalu yang belum menjadi hak karyawan (active) employees are amortized during the
diamortisasi selama jangka waktu rata-rata sisa masa employees’ average remaining years of service, until
kerja karyawan. the benefits become vested.
Bank mengakui keuntungan atau kerugian aktuaria dari The Bank has recognized actuarial gain or loss from
liabilitas imbalan kerja diakui secara langsung di dalam employee benefit liability shall be recognized directly
penghasilan komprehensif lain. in other comprehensive income.
Bank mengakui laba atau rugi dari curtailment pada The Bank has recognized gain or loss from curtailment
saat curtailment terjadi. Keuntungan atau kerugian when it occurred. Curtailment’s gain or loss consist of
curtailment terdiri dari perubahan yang terjadi dalam the changes that have occurred in value of defined
nilai kewajiban manfaat pasti dan keuntungan atau benefit obligation and actuarial gain or loss and past
kerugian aktuaria dan biaya jasa lalu yang diakui service costs that has recognized.
sebelumnya.
- 44 -
Page 494
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
v. Imbalan Pasca-kerja (lanjutan) v. Post-employment Benefits (continued)
Pada bulan April 2022, DSAK IAI (Dewan Standar In April 2022, DSAK IAI (Institute of Indonesia
Akuntansi Keuangan Ikatan Akuntan Indonesia) Chartered Accountants' Accounting Standard Board)
menerbitkan materi penjelasan melalui siaran pers atas issued an explanatory material through a press release
persyaratan pengatribusian imbalan pada periode jasa regarding attribution of benefits to periods of service in
sesuai PSAK 219: Imbalan Kerja yang diadopsi dari accordance with PSAK 219: Employee Benefits which
IAS 19 Employee Benefits. Materi penjelasan tersebut was adopted from IAS 19 Employee Benefits. The
menyampaikan informasi bahwa pola fakta umum dari explanatory material conveyed the information that the
program pensiun berbasis undang-undang fact pattern of the pension program based on the Labor
ketenagakerjaan yang berlaku di Indonesia saat ini Law currently enacted in Indonesia is similar to those
memiliki pola fakta serupa dengan yang ditanggapi dan responded and concluded in the IFRS Interpretation
disimpulkan dalam IFRS Interpretation Committee Commitee ("IFRIC") Agenda Decision Attributing
("IFRIC") Agenda Decision Attributing Benefit to Benefit to Periods of Service (IAS 19).
Periods of Service (IAS 19).
Pada tahun-tahun sebelumnya, Perusahaan In prior years, the Company attributes benefits under
mengatribusikan imbalan berdasarkan formula imbalan the defined benefit plan's benefit formula to periods of
program imbalan pasti berdasarkan masa kerja sejak service from the date when employees provide their
tanggal pekerja memberikan jasa hingga usia pensiun. services until the retirement age. In prior years, the
Mulai 2022, berdasarkan siaran pers, Perusahaan telah Company attributes benefits under the defined benefit
mengubah kebijakan akuntansinya untuk plan's benefit formula to periods of service from the
mengatribusikan imbalan berdasarkan program date when employees provide their services until the
tersebut, yaitu dari tanggal ketika jasa pekerja pertama retirement age. Starting from 2022, based on the press
kali menghasilkan imbalan dalam program sampai release, the Company change the policy for attributing
dengan tanggal ketika jasa pekerja selanjutnya tidak benefits under the plan to the date when employee
akan menghasilkan jumlah imbalan yang material di service first leads to benefits under the plan until the
bawah program tersebut date when further employee service will lead to no
material amount of further benefits under the plan.
Perusahaan telah menerapkan materi penjelasan The Company has adopted the said explanatory
tersebut dan dengan demikian merubah kebijakan material and accordingly changed its accounting
akuntansi menyangkut atribusi imbalan kerja pada policy regarding attribution of benefits to periods of
periode jasa dari kebijakan yang diterapkan service previously applied in the financial statements of
sebelumnya pada laporan keuangan Perusahaan pada the Company as of December 31, 2025 and for the year
tanggal 31 Desember 2025 dan untuk tahun yang then ended. The impact of said change on the statement
berakhir pada tanggal tersebut. Dampak perubahan of profit or loss and other comprehensive income in
tersebut atas dibukukan di laporan Laba Rugi dan current year.
penghasilan komprehensif lain tahun berjalan.
w. Laba per Saham (LPS) w. Earnings per Share (EPS)
Sesuai dengan PSAK No. 233, “Laba Per Saham”, laba In accordance with PSAK No. 233, “Earnings per
per saham dihitung berdasarkan rata-rata tertimbang Share”, earnings per share is computed based on the
jumlah saham yang beredar selama periode yang weighted-average number of issued and fully paid
bersangkutan (dikurangi perolehan kembali saham shares during the period (less treasury stock).
beredar).
LPS dasar dihitung dengan membagi laba bersih Basic EPS is computed by dividing the net income
periode berjalan dengan jumlah rata-rata tertimbang for the period with the weighted average number of
saham yang beredar pada periode yang bersangkutan, shares outstanding during the period, which are
yaitu sejumlah 51.870.438.266 lembar saham untuk 51,870,438,266 shares for the year ended, December
tahun yang berakhir pada 31 Desember 2025 dan 2024 31, 2025 and 2024 (Notes 33).
(Catatan 33).
Bank tidak mempunyai efek berpotensi saham biasa The Bank has no outstanding dilutive potential
yang bersifat dilutif pada tanggal 31 Desember 2025 ordinary shares as of December 31, 2025 and 2024
dan 2024 dan oleh karenanya, rugi per saham dilusian accordingly, no diluted loss per share is calculated and
tidak dihitung dan disajikan pada laporan laba rugi dan presented in the statements of profit or loss and other
penghasilan komprehensif lain. comprehensive income.
- 45 -
Page 495
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
MATERIAL (lanjutan) (continued)
x. Informasi Segmen x. Segment Information
Bank menerapkan PSAK No. 108, “Segmen Operasi”. The Bank applied PSAK No. 108, “Operating
PSAK revisi ini mengatur pengungkapan yang Segments”. The revised PSAK requires disclosures that
memungkinkan pengguna laporan keuangan untuk will enable users of financial statements to evaluate the
mengevaluasi sifat dan dampak keuangan dari aktivitas nature and financial effects of the business activities in
bisnis yang mana entitas terlibat dan lingkungan which the entity engages and the economic
ekonomi dimana entitas beroperasi. Tidak terdapat environments in which it operates. There is no
dampak signifikan atas penerapan standar akuntansi significant impact on the adoption of the revised
yang direvisi tersebut terhadap laporan keuangan. accounting standard on the financial statements.
Segmen adalah bagian khusus dari Bank yang terlibat A segment is a distinguishable component of the Bank
baik dalam menyediakan produk dan jasa (segmen that is engaged either in providing certain products
usaha), maupun dalam menyediakan produk dan jasa and services (business segment), or in providing
untuk lingkungan ekonomi tertentu (segmen geografis), products and services within a particular economic
yang memiliki risiko dan imbalan yang berbeda dari environment (geographical segment), which is subject
segmen lainnya. to risks and rewards that are different from those of
other segments.
Jumlah setiap unsur segmen dilaporkan merupakan The amount of each segment item reported shall be the
ukuran yang dilaporkan kepada manajemen untuk measure reported to the management for the purposes
tujuan mengalokasikan sumber daya dalam satu of allocating resources to the segment and assessing its
segmen dan menilai kinerjanya. performance.
Pendapatan, beban, laba rugi bersih, aset dan liabilitas Segment revenue, expenses, net income, assets and
segmen termasuk item-item yang dapat diatribusikan liabilities include items directly attributable to a
langsung kepada suatu segmen serta hal-hal yang dapat segment as well as those that can be allocated on a
dialokasikan dengan dasar yang sesuai kepada segmen reasonable basis to that segment. Segments are
tersebut. Segmen ditentukan sebelum saldo transaksi determined before intra-group balances and intragroup
antar kelompok usaha dieliminasi. transactions are eliminated.
y. Provisi y. Provision
Bank menerapkan PSAK No. 237, “Provisi, Liabilitas The Bank adopted PSAK No. 237, “Provisions,
Kontinjensi dan Aset Kontinjensi”. Contingent Liabilities and Contingent Assets”.
Provisi diakui jika Bank memiliki liabilitas kini (baik Provisions are recognized when the Bank has a present
bersifat hukum maupun bersifat konstruktif) yang obligation (legal or constructive) where, as a result of
akibat peristiwa masa lalu besar kemungkinannya a past event, it is probable that an outflow of resources
penyelesaian liabilitas tersebut mengakibatkan arus embodying economic benefits will be required to settle
keluar sumber daya yang mengandung manfaat the obligation and a reliable estimate can be made of
ekonomi dan estimasi yang andal mengenai jumlah the amount of the obligation.
liabilitas tersebut dapat dibuat.
Provisi ditentukan dengan mendiskontokan estimasi Provitions are determined by discounting the estimated
arus kas masa depan pada tingkat diskonto sebelum future cash flow at a pre-tax rate that reflects current
pajak yang mencerminkan nilai pasar kini atas nilai market assesments of the time value money and the
waktu dari uang dan risiko yang terkait dengan risks specific to the liability.
liabilitas yang bersangkutan.
Provisi ditelaah pada setiap tanggal laporan posisi Provisions are reviewed at each statement of financial
keuangan dan disesuaikan untuk mencerminkan position date and adjusted to reflect the current best
estimasi kini terbaik. Jika tidak terdapat kemungkinan estimate. If it is no longer probable that an outflow of
arus keluar sumber daya yang mengandung manfaat resources embodying economic benefits will be
ekonomi untuk menyelesaikan liabilitas tersebut, required to settle the obligation, the provision is
provisi tidak diakui. reversed.
- 46 -
Page 496
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. ESTIMATES AND JUDGMENTS OF SIGNIFIDCANT
YANG PENTING ACCOUNTING
Penggunaan Pertimbangan, Estimasi dan Asumsi Use of Judgements, Estimates, and Significant
Signifikan oleh Manajemen Assumptions with Management
Beberapa estimasi dan asumsi dibuat dalam rangka Some estimations and assumption made in order to the
penyusunan laporan keuangan yang membutuhkan preparation of a financial statement that requires
pertimbangan manajemen dalam menentukan metodologi management’s considerations in determining a methodology
yang tepat untuk penilaian aset dan liabilitasnya. which is proper to asset valuation and liabilities.
Manajemen membuat estimasi dan asumsi yang berdampak Management make estimation and assumption that impact
pada nilai aset dan liabilitas dalam satu periode pelaporan, on the value of its assets and liabilities in one period of
dimana estimasi dan asumsi tersebut merupakan estimasi reporting, where estimation and the assumption are the best
terbaik berdasarkan Standar Akuntansi Keuangan di estimation based on Indonesian Financial Accounting
Indonesia. Standards.
Estimasi dan asumsi dievaluasi secara terus menerus dan The estimation and assumption are constantly evaluated and
berdasarkan pengalaman masa lalu serta faktor-faktor lain based on past experience and other factors including
termasuk ekspektasi atas peristiwa yang akan datang, yang expectations of events to come affecting:
mempengaruhi:
- Penerapan kebijakan akuntansi. - The application of accounting policies.
- Nilai aset dan liabilitas yang dilaporkan, - The reported amounts of assets and liabilities,
pengungkapan atas aset dan liabilitas kontinjensi and disclosure of contingent assets and liabilities
pada tanggal laporan posisi keuangan. at the date of the financial statements.
- Jumlah pendapatan dan beban yang dilaporkan - The reported amounts of revenues and expenses
selama tahun pelaporan. reported during reporting year.
Pertimbangan Judgements
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and liabilities
Bank menetapkan klasifikasi atas aset dan liabilitas tertentu The Bank determines the classifications of certain
sebagai aset keuangan dan liabilitas keuangan dengan assets and liabilities as financial assets and financial
mempertimbangkan apakah definisi yang ditetapkan PSAK liabilities by considering if they meet the definition set
No. 102 (Revisi 2014) dipenuhi. Dengan demikian, aset forth in PSAK No. 102 (Revised 2014). Accordingly, the
keuangan dan liabilitas keuangan diakui sesuai dengan financial assets and financial liabilities are recognized for in
kebijakan akuntansi Bank seperti diungkapkan pada accordance with the Bank’s accounting policies disclosed in
(Catatan 3d). (Note 3d).
Estimasi dan Asumsi Estimates and Assumptions
Asumsi utama masa depan dan sumber utama estimasi The key assumptions concerning the future and other key
ketidakpastian lain pada tanggal pelaporan yang memiliki sources of estimation uncertainty at the reporting date that
risiko signifikan bagi penyesuaian yang material terhadap have a significant risk of causing a material adjustment to
nilai tercatat aset dan liabilitas untuk tahun/periode the carrying amounts of assets and liabilities within the next
berikutnya, diungkapkan di bawah ini. Bank mendasarkan financial year/period are disclosed below. The Bank based
asumsi dan estimasi pada parameter yang tersedia pada saat its assumptions and estimates on parameters available when
laporan keuangan disusun. Asumsi dan situasi mengenai the financial statements were prepared. Existing
perkembangan masa depan mungkin berubah akibat circumstances and assumptions about future developments,
perubahan pasar atau situasi diluar kendali Bank. Perubahan may change due to market changes or circumstances arising
tersebut dicerminkan dalam asumsi terkait pada saat beyond the control of the Bank. Such changes are reflected
terjadinya. in the assumptions as they occur.
Bank melakukan penelaahan atas kredit pada setiap tanggal Bank reviews its loans at reporting date to evaluate the
laporan untuk melakukan penilaian atas cadangan kerugian allowance for impairment losses. Management’s judgment is
penurunan nilai yang telah dicatat. Justifikasi manajemen applied in the estimation of the amount and timing of future
diperlukan untuk melakukan estimasi atas jumlah dan waktu cash flows when determining the level of allowance
arus kas dalam menentukan tingkat cadangan yang required. These specific provisions are re-evaluated and
dibutuhkan. Provisi spesifik ini dievaluasi kembali dan adjusted as additional information received affects the
disesuaikan jika tambahan informasi yang diterima amounts of allowance for impairment loss. The carrying
mempengaruhi jumlah cadangan kerugian penurunan nilai. amount of the Bank’s loan before allowance for impairment
Nilai tercatat dari kredit Bank sebelum cadangan kerugian loss as of December 31, 2025 and 2024 amounting to
penurunan nilai pada tanggal 31 Desember 2025 dan Rp5,069,373 and Rp3,851,281 respectively. Further details
2024 masing-masing sebesar Rp5.069.373 dan Rp3.851.281 are shown in (Note 10).
Penjelasan lebih lanjut diungkapkan dalam (Catatan 10).
- 47 -
Page 497
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. ESTIMATES AND JUDGMENTS OF SIGNIFIDCANT
YANG PENTING (lanjutan) ACCOUNTING (continued)
Aset Pajak Tangguhan Deferred Tax Assets
Aset pajak tangguhan diakui atas jumlah pajak penghasilan Deferred tax assets are recognized for the recoverable
terpulihkan (recoverable) pada periode mendatang sebagai taxable income for the future from temporary difference.
akibat perbedaan temporer yang dapat dikurangkan. Management judgement is required to determine the amount
Justifikasi manajemen diperlukan untuk menentukan jumlah of deferred tax assets that can be recognized, based on timing
aset pajak tangguhan yang dapat diakui, sesuai dengan and level of future taxable profits inline with future tax
waktu dan tingkat laba fiskal di masa mendatang sejalan planning strategies.
dengan strategi rencana perpajakan ke depan.
Liabilitas Imbalan Pasca-Kerja Post-Employment Benefit Liability
Liabilitas imbalan pasca-kerja ditentukan berdasarkan Post-employment benefit obligation is determined based on
perhitungan dari aktuarial. Perhitungan aktuaria actuarial valuation. The actuarial valuation involves making
mengunakan asumsi-asumsi seperti tingkat diskonto, tingkat assumptions about discount rate, expected rate of return on
pengembalian investasi, tingkat kenaikan gaji, tingkat investments, future salary increases, mortality rate,
kematian, tingkat pengunduran diri dan lain-lain. Nilai resignation rate and others. The carrying amount of the
tercatat atas estimasi liabilitas imbalan pasca-kerja Bank Bank’s estimated liabilities for post-employment benefits as
pada tanggal 31 Desember 2025 dan 2024 masing-masing of December 31, 2025 and 2024 amounting to Rp36,678 and
sebesar Rp36.678 dan Rp31.811. Penjelasan lebih rinci Rp31,811, respectively. Further details are discussed in
diungkapkan dalam (Catatan 32). (Note 32).
Penyusutan Aset Tetap dan Aset Hak Guna Depreciation of Fixed Assets and Right of Use Assets
Biaya perolehan aset tetap disusutkan dengan menggunakan The costs of fixed assets are depreciated on a straight-line
metode garis lurus berdasarkan taksiran masa manfaat basis over their estimated useful lives. Changes in the
ekonomisnya. Perubahan tingkat pemakaian dan expected level of usage and technological development could
perkembangan teknologi dapat mempengaruhi masa impact the economic useful lives and the residual values of
manfaat ekonomis dan nilai sisa aset, dan karenanya beban these assets, and therefore future depreciation charges could
penyusutan masa depan mungkin direvisi. Nilai tercatat be revised. The net carrying amount of the Bank’s fixed
bersih atas aset tetap Bank pada tanggal 31 Desember 2025 assets as of December 31, 2025 and 2024 amounting to
dan 2024 masing-masing sebesar Rp168.008 dan Rp28.176 Rp168,008 and Rp28,176 respectively. Further details are
Penjelasan lebih rinci diungkapkan dalam (Catatan 13). disclosed in (Note 13).
4. KAS 4. CASH
Pada tanggal 31 Desember 2025 dan 2024, masing-masing As of December 31, 2025 and 2024 cash balance amounting
sebesar Rp183.498 and Rp133.328. to Rp183,498 and Rp Rp133,328 respectively.
Dalam saldo kas, termasuk uang pada mesin ATM pada Cash balance includes cash in ATM as of December 31,
tanggal 31 Desember 2025 dan 2024 sejumlah Rp21.134 dan 2025 and 2024 amounting to Rp21,134 and Rp16,770,
Rp16.770. respectively.
Pada tanggal 31 Desember 2025 dan 2024, saldo kas As of December 31, 2025 and 2024, all cash are
seluruhnya dalam mata uang Rupiah. Tidak ada saldo kas denominated in Indonesian Rupiah. No cash in related
pada pihak berelasi. parties.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS IN BANK INDONESIA
Pada tanggal 31 Desember 2025 dan 2024, saldo giro pada As of December 31, 2025 and 2024, the current accounts in
Bank Indonesia masing-masing sebesar Rp731.471 dan Bank Indonesia amounting to Rp731,471 and Rp456,348
Rp456.348, seluruhnya dalam mata uang rupiah. respectively, all the current accounts are in Rupiah
Pada tanggal 31 Desember 2023 Giro Wajib Minimum As of December 31, 2023 the Bank's Minimum Statutory
(GWM) Bank telah sesuai dengan Peraturan Bank Indonesia Reserve complied with Bank Indonesia (BI) Regulation) PBI
(PBI) No. 24/4/PBI/2023 tanggal 1 Maret 2023 tentang Giro No. 24/4/PBI/2023 dated March 1, 2023 and Regulation of
Wajib Minimum Bank Umum dalam Rupiah dan Valuta Members of The Board of Governors (PADG) No.
Asing bagi Bank Umum Konvensional dan Peraturan 24/8/PADG/2023 dated June 30, 2023 concerning Minimum
Anggota Dewan Gubernur (PADG) No. 24/8/PADG/2023 Statutory Reserve of Commercial Banks with BI in Rupiah
tanggal 30 Juni 2023. and foreign currency.
- 48 -
Page 498
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS IN BANK INDONESIA
(continued)
Pada tanggal 25 Februari 2022, BI mengeluarkan peraturan On February 25, 2022, Bank Indonesia issued regulation
PBI No. 24/4/PBI/2022 tentang Perubahan Keempat Atas PBI No. 24/4/PBI/2022 concerning the Fourth Amendment to
Peraturan Bank Indonesia Nomor 20/3/PBI/2018 Tentang Bank Indonesia Regulation Number 20/3/PBI/2018
Giro Wajib Minimum Dalam Rupiah Dan Valuta Asing Bagi regarding Minimum Statutory Reserves in Rupiah and
Bank Umum Konvensional, Bank Umum Syariah Dan Unit Foreign Exchange for Conventional Commercial Banks,
Usaha Syariah Sharia Commercial Banks, and Sharia Business Units.
Sesuai dengan Peraturan Bank Indonesia (PBI) No. In accordance with Bank Indonesia Regulation No.
15/15/PBI/2013 tanggal 24 Desember 2013 dan 15/15/PBI/2013 dated December 24, 2013 and amanded by
perubahannya PBI No. 17/21/PBI/2015 tanggal PBI No. 17/21/PBI/2015 dated November 26, 2015. PBI No.
26 November 2015, PBI No. 18/3/PBI/2016 tanggal 18/3/PBI/2016 dated March 10, 2016, PBI No.
10 Maret 2016, PBI No. 18/14/PBI/2016 tanggal 18 Agustus 18/14/PBI/2016 dated August 18, 2016, PBI No.
2016, PBI No. 19/6/PBI/2017 tanggal 18 April 2017, PBI 19/6/PBI/2017 dated April 18, 2017, PBI No. 20/3/PBI/2018
No. 20/3/PBI/2018 tanggal 05 April 2018 dan PADG No. dated April 05, 2018 and PADG No. 20/30/PADG/2018 date
20/30/PADG/2018 tanggal 30 November 2018 tentang Giro November 30, 2018 regarding Minimum Statutory Reserves
Wajib Minimum Bank Umum bagi Bank Umum (GWM) with Commercial Banks in Rupiah and foreign
konvensional dalam Rupiah dan Valuta Asing, setiap bank currencies, each bank in Indonesia is required to have a
di Indonesia diwajibkan mempunyai saldo giro minimum di minimum demand deposit balance in Bank Indonesia as
Bank Indonesia untuk cadangan likuiditas. Giro Wajib liquidity reserve. The GWM in Rupiah consists of Primary
Minimum (GWM) dalam Rupiah terdiri dari GWM Primer GWM which is set at an average of 6.5% and 3.5% on a
ditetapkan sebesar rata-rata 6,5% dan secara harian sebesar daily basis and the Secondary GWM which is set at 4% and
3,5% dan GWM Sekunder ditetapkan sebesar 4% serta GWM Loan to Funding Ratio (LFR GWM) which is
GWM Loan to Funding Ratio (LFR) sebesar perhitungan determined based on parameters under disincentive and over
antara parameter disinsentif bawah atau parameter disincentive for the difference between the bank's LFR and
disinsentif atas dengan selisih antara LFR bank dan LFR target LFR by taking into account the difference between the
target dengan memperhatikan selisih antara Kewajiban bank's Capital Adequacy Ratio (CAR) and CAR incentive.
Penyediaan Modal Minimum (KPMM) bank dan KPMM GWM in United States Dollar is set at 8%.
Insentif. GWM dalam Dollar Amerika Serikat ditetapkan
sebesar 8%.
Pada tanggal 31 Desember 2021 Bank juga harus memenuhi As of December 31, 2021 Bank maintained RIM and GWM
RIM dan GWM RIM, jika RIM dan GWM RIM Bank RIM if the RIM and GWM LFR of Bank is less than the Bank
kurang dari batas bawah Bank Indonesia (BI) yaitu sebesar Indonesia (BI) lower limit of 84% or exceeds the BI upper
84% atau melebihi batas atas BI yaitu 94% dengan KPMM limit of 94% with Bank Capital Adequacy Ratio (CAR) is
Bank lebih kecil dari KPMM insentif BI yang sebesar 14%. lower than BI CAR incentives of 14%.
Pada tanggal 31 Desember 2023 Giro Wajib Minimum As of December 31, 2023 the Bank's Minimum Statutory
(GWM) Bank telah sesuai dengan Peraturan Bank Indonesia Reserve complied with Bank Indonesia (BI) Regulation) PBI
(PBI) No. 24/4/PBI/2023 tanggal 1 Maret 2023 tentang Giro No. 24/4/PBI/2023 dated March 1, 2023 and Regulation of
Wajib Minimum Bank Umum dalam Rupiah dan Valuta Members of The Board of Governors (PADG) No.
Asing bagi Bank Umum Konvensional dan Peraturan 24/8/PADG/2023 dated June 30, 2023 concerning Minimum
Anggota Dewan Gubernur (PADG) No. 24/8/PADG/2023 Statutory Reserve of Commercial Banks with BI in Rupiah
tanggal 30 Juni 2023. and foreign currency.
Giro Wajib Minimum pada tanggal 31 Desember 2025 dan As of December 31, 2025 and 2024 the Statutory Reserves
2024 adalah sebagai berikut: are as follows:
2025 2024
Rasio Intermediasi Makroprudensial 67,01% 66,64% Macroprudential Intermediation Ratio
Rasio GWM Primer 5,10% 7,10% Primary reserve ratio
Rasio GWM RIM 4,00% 5,00% RIM reserve ratio
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Page 499
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS IN OTHER BANKS
Akun ini terdiri dari: This account consists of:
2025 2024
Pihak ketiga Third parties
Rupiah Rupiah
PT BPD Jawa Barat & Banten Tbk 17.148 698 PT BPD Jawa Barat & Banten Tbk
PT Bank Mandiri (Persero) Tbk 8.740 10.256 PT Bank Mandiri (Persero) Tbk
PT Bank Pembangunan Daerah Jawa Timur Tbk 751 - PT Bank Pembangunan Daerah Jawa Tbk
PT Bank Nusa Tenggara Timur 497 500 PT Bank Nusa Tenggara Timur
PT BPD Jawa Tengah 24 25 PT BPD Jawa Tengah
PT Bank Maybank Indonesia Tbk 17 17 PT Bank Maybank Indonesia Tbk
PT Bank Rakyat Indonesia (Persero) Tbk 10 10 PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank CIMB Niaga Tbk 1 5 PT Bank CIMB Niaga Tbk
PT Bank Central Asia Tbk 1 2 PT Bank Central Asia Tbk
PT BPD Lampung 1 1 PT BPD Lampung
Jumlah 27.190 11.513 Total
Kisaran suku bunga untuk giro pada bank lain dalam mata The average interest rates for current accounts in other
uang Rupiah disajikan dalam (Catatan 38). banks in Rupiah are disclosed in (Note 38).
Klasifikasi kolektibilitas giro pada bank lain pada tanggal All the above current accounts with other banks are
31 Desember 2025 dan 2024 adalah lancar dan tidak ada classified as current and are not blocked nor used as
giro pada bank lain yang diblokir dan digunakan sebagai collateral as of December 31, 2025 and 2024.
jaminan.
Manajemen berpendapat bahwa seluruh giro pada bank lain No allowance for impairment loss, were provided as
dapat ditagih sehingga tidak perlu dibentuk cadangan management believes that all current accounts in other
kerugian penurunan nilai. banks are collectible.
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS IN BANK INDONESIA AND OTHER
BANK LAIN BANKS
Akun ini terdiri dari: This account consist of:
2025 2024
Pihak ketiga Third parties
Fasilitas Simpanan Bank Indonesia 818.040 450.000 Bank Indonesia Deposit Facility
Tabungan antar bank - Interbank savings -
PT Bank Negara Indonesia (Persero) Tbk 1 1 PT Bank Negara Indonesia (Persero) Tbk
Bank Perkreditan Rakyat 510 633 Bank Perkreditan Rakyat
Diskonto (143) (51) Discounted
Jumlah 818.409 450.583 Total
Kisaran suku bunga untuk penempatan pada Bank Indonesia The average interest rates for placements in Bank Indonesia
dan bank lain dalam mata uang rupiah diungkapkan dalam and other banks in Rupiah are disclosed in (Note 38).
(Catatan 38).
Berdasarkan ketentuan Bank Indonesia yang berlaku, Based on the prevailing Bank Indonesia regulation, all the
klasifikasi kolektibilitas penempatan pada Bank Indonesia above placements in Bank Indonesia and other banks are
dan bank lain pada tanggal 31 Desember 2025 dan 2024 classified as current and are not blocked nor used as
adalah lancar dan tidak ada penempatan pada Bank collateral as of December 31, 2025 and 2024.
Indonesia dan bank lain yang diblokir dan digunakan
sebagai jaminan.
Manajemen berpendapat bahwa seluruh penempatan pada No allowance for impairment loss were provided as
Bank Indonesia dan bank lain dapat ditagih sehingga tidak management believes that all placements in Bank Indonesia
perlu dibentuk cadangan kerugian penurunan nilai. and other banks are collectible.
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Page 500
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
8. EFEK-EFEK 8. SECURITIES
Akun ini terdiri dari obligasi pemerintah dan obligasi This account consists of government bonds and corporate
korporasi yang dikelompokkan sebagai nilai wajar melalui bonds which are classified as fair value through profit or
laba rugi, nilai wajar melalui penghasilan komprehensif loss, fair value through other comprehensive income,
lain, biaya perolehan diamortisasi sebagai berikut: amortized cost as follows:
2025 2024
Nilai wajar melalui laba rugi Fair value through profit or loss
Reksadana Mutual Funds
RD MNC Dana SBN 7.520 - RD MNC Dana SBN
Biaya perolehan diamortisasi Amortized cost
Obligasi pemerintah Republik Indonesia Government bonds of Republic Indonesia
FR0062 280.859 281.120 FR0062
FR0064 214.682 214.228 FR0064
PBS005 100.524 100.877 PBS005
FR0058 17.189 16.963 FR0058
PBS003 3.159 3.349 PBS003
Sub jumlah 616.413 616.536 Sub total
Nilai wajar melalui penghasilan komprehesif lain Fair value through other comprehensive
Obligasi pemerintah Republik Indonesia Government bonds of Republic Indonesia
FR0096 83.546 79.559 FR0096
FR0100 20.656 19.520 FR0100
FR0091 20.464 19.287 FR0091
FR0082 20.855 19.871 FR0082
145.521 138.237
Reksadana Mutual Funds
RD Simas Danamas Instrumen Negara 125.630 - RD Simas Danamas Instrumen Negara
RD Pinnacle Indonesia Bond Fund 10.460 - RD Pinnacle Indonesia Bond Fund
136.090 -
Sekuritas Rupiah Bank Indonesia Bank Indonesia Rupiah Securities
IDSR020126364S 99.984 - IDSR020126364S
IDSR030125182S - 75.000 IDSR030125182S
IDSR100125182S - 75.000 IDSR100125182S
IDSR170125182S - 50.000 IDSR170125182S
IDSR070325182S - 98.463 IDSR070325182S
Sub jumlah 99.984 298.463 Sub total
Jumlah 1.005.527 1.053.236 Total
Sisa umur jatuh tempo efek-efek biaya perolehan The remaining maturity of securities amortized cost as of
diamortisasi pada tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 are as follows:
seluruhnya adalah sebagai berikut:
2025 2024
Lebih dari 1 sampai 5 tahun 217.892 214.228 More than 1 year until 5 years
Lebih dari 5 tahun 398.521 402.308 More than 5 years
Jumlah 616.413 616.536 Total
Jatuh tempo dan tanggal pembayaran bunga dari obligasi The maturity periods and interest payment dates of the
adalah sebagai berikut: securities are as follows:
Kisaran suku bunga untuk efek-efek diungkapkan dalam The average interest rates for securities are disclosed in
(Catatan 39). (Note 39).
Berdasarkan ketentuan Bank Indonesia yang berlaku, Based on the prevailing Bank Indonesia regulation, the
klasifikasi kolektibilitas efek-efek pada tanggal collectibility classifications of securities as of December 31,
31 Desember 2025 dan 2024 adalah lancar. 2025 and 2024 are current.
Manajemen berpendapat bahwa tidak terdapat efek-efek The management believes that there were no impairment loss
yang mengalami penurunan nilai. on securities.
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Page 501
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
8. EFEK-EFEK (lanjutan) 8. SECURITIES (continued)
Tanggal
Pembayaran Bunga/
Jatuh Tempo/ Interest payment
Maturity Period date
Obligasi Pemerintah Republik Government Bonds of the Republic
Indonesia of Indonesia
FR0062 15 April 2042/ 15 April dan 15 Oktober/ FR0062
April 15, 2042 April 15 and October 15
PBS005 15 April 2043/ 15 April dan 15 Oktober/ PBS005
April 15, 2043 April 15 and October 15
FR0064 15 Mei 2028/ 15 Mei dan 15 November/ FR0064
May 15, 2028 May 15 and November 15
PBS003 15 Januari 2027/ 15 Januari dan 15 Juli/ PBS003
January 15, 2027 January 15 and July 15
FR0058 15 Juni 2032/ 15 Juni dan 15 Desember/ FR0058
June 15, 2032 June 15 and December 15
9. EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER AGREEMENT TO
KEMBALI RESELL
Akun ini terdiri dari : This account consist of :
Pendapatan bunga yang
Nilai penjualan belum di realisasi/
Counterparty/ Jenis efek/ Jumlah nominal/ Tanggal mulai/ Jatuh tempo/ kembali/ Unrealized interest Nilai tercatat/
Counterparty Type of securities Nominal amount Start date Maturity date Resale value income Carrying value
Bank Indonesia VR0070 111.087 31 Des/ Dec 31, 7 Jan/ Jan 7, 108.835 100 108.734
2025 2026
Jumlah 111.087 108.835 100 108.734
10. KREDIT 10. LOANS
Akun ini terdiri dari : This account consist of :
a. Jenis kredit a. Type of loans
2025 2024
Pihak ketiga Third parties
Konsumsi 4.657.485 3.241.625 Consumer
Modal kerja 396.986 583.655 Working capital
Investasi 14.903 26.002 Invesment
Jumlah 5.069.373 3.851.281 Total
Cadangan kerugian penurunan nilai (180.621) (243.641) Allowance for impairmnet losses
4.888.752 3.607.640
- 52 -
Page 502
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
10. KREDIT (lanjutan) 10. LOANS (continued)
b. Berdasarkan Sektor Ekonomi dan Kolektibilitas Bank b. By Economic Sector and Collectibility of Bank
Indonesia Indonesia
2025
Dalam
Perhatian
Lancar / Khusus/ Special Kurang lancar/ Diragukan/
Current Mention Sub- Standard Doubtful Macet/ Loss Jumlah/ Total
Perdagangan, perhotelan 8.678 846 22 - 8.373 17.919 Trading, hotel and
dan restoran Restaurant
Jasa dunia usaha - - - - - - Business services
Industri 139 378 - - 5.400 5.917 Manufacturing
Pembiayaan rumah 799.567 22.021 980 1.194 35.087 858.849 Housing loan
Pengangkutan, Pergudangan - - - - - - Transportation,warehousing
dan komunikasi and communication
Konstruksi 23.660 - - - 27.091 50.751 Construction
Perikanan 2.292 45.424 - - 6.379 54.095 Fisheries
Pertambangan dan penggalian 25.926 25.926 Mining and excavation
Lain-lain 3.854.911 74.784 3.332 13.333 109.556 4.055.916 Others
Jumlah 4.689.247 143.453 4.334 14.527 217.812 5.069.373 Sub-total
Cadangan kerugian penurunan nilai (32.013) (7.922) (796) (2.390) (137.500) (180.621) Allowance for impairment losses
Jumlah 4.657.234 135.531 3.538 12.137 80.312 4.888.752 Total
2024
Dalam
Perhatian
Lancar / Khusus/ Special Kurang lancar/ Diragukan/
Current Mention Sub- Standard Doubtful Macet/ Loss Jumlah/ Total
Perdagangan, perhotelan 1.116 1.010 - 780 9.510 12.415 Trading, hotel and
dan restoran Restaurant
Jasa dunia usaha 111.967 249 - 12.318 33.770 158.303 Business services
Industri 859 43 - - 6.833 7.734 Manufacturing
Pembiayaan rumah 775 1.627 - - 652 3.054 Housing loan
Pengangkutan, Pergudangan 231.913 - - - 5.606 237.519 Transportation,warehousing
dan komunikasi and communication
Konstruksi 24.970 - - - 80.446 105.416 Construction
Perikanan 16.302 45.424 - - 227 61.953 Fisheries
Pertambangan dan penggalian - 36 - - 25.926 25.961 Mining and excavation
Lain-lain 3.077.718 47.244 6.148 4.669 103.145 3.238.925 Others
Jumlah 3.465.620 95.633 6.148 17.766 266.114 3.851.281 Sub-total
Cadangan kerugian penurunan nilai (22.300) (7.489) (1.169) (3.847) (208.836) (243.641) Allowance for impairment losses
Jumlah 3.443.320 88.144 4.979 13.920 57.278 3.607.640 Total
c. Menurut Jenis Konsumen c. By Type of Customers
2025 2024
Individu 4.894.803 97% 3.264.415 85% Individual
Korporat 174.570 3% 586.866 15% Corporate
Jumlah 5.069.373 100% 3.851.281 100% Total
Cadangan kerugian penurunan nilai (180.621) (243.641) Allowance for impairment losses
Jumlah 4.888.752 3.607.640 Net
- 53 -
Page 503
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
10. KREDIT (lanjutan) 10. LOANS (continued)
d. Berikut
. ini adalah saldo kredit pada tanggal d. The collectibility classification of loans as of
31 Desember 2025 dan 2024 berdasarkan klasifikasi December 31, 2025 and 2024 is as follows:
kolektibilitas:
2025 2024
Cadangan Cadangan
kerugian kerugian
penurunan nilai/ penurunan nilai/
Jumlah kredit/ Allowance for Jumlah kredit/ Allowance for
Total loans impairment losses Bersih/ Net Total loans impairment losses Bersih/ Net
Lancar 4.689.249 (32.013) 4.657.236 3.465.620 (22.300) 3.443.320 Current
Dalam perhatian khusus 143.453 (7.921) 135.533 95.633 (7.489) 88.144 Special mention
Kurang lancar 4.334 (797) 3.537 6.148 (1.169) 4.979 Sub-standard
Diragukan 14.526 (2.390) 12.136 17.766 (3.847) 13.919 Doubtful
Macet 217.812 (137.501) 80.311 266.114 (208.836) 57.278 Loss
Jumlah 5.069.373 (180.621) 4.888.752 3.851.281 (243.641) 3.607.640 Total
e. Pada tanggal 31 Desember 2025 dan 2024 rincian e. The details of non-performing loans as of December
kredit bermasalah menurut sektor ekonomi adalah 31, 2025 and 2024 based on economic sector, are as
sebagai berikut: follows:
2025 2024
Cadangan Cadangan
kerugian kerugian
penurunan nilai/ penurunan nilai/
Jumlah kredit/ Allowance for Jumlah kredit/ Allowance for
Total loans impairment losses Total loans impairment losses
Perdagangan, perhotelan 8.394 7.790 10.289 7.291 Trading, hotel and
dan restoran restaurant
Jasa dunia usaha - - 46.087 7.593 Business service
Konstruksi 27.090 13.083 80.446 77.394 Construction
Industri 5.399 1.136 6.833 6.785 Manufacturing
Pengangkutan, - - 5.606 4.278 Transportation,
Pergudangan dan Komunikasi Warehousing and Communication
Pembiayaan rumah 37.260 32.577 652 498 Housing loan
Perikanan 6.378 6.378 227 173 Fisheries
Pertambangan dan Penggalian 25.925 5.936 25.926 25.814 Mining and excavation
Lain-lain 126.218 73.787 113.962 84.026 Others
Jumlah 236.664 140.687 290.028 213.852 Total
- 54 -
Page 504
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
10. KREDIT (lanjutan) 10. LOANS (continued)
f. Jangka Waktu f. By Maturity
Jangka waktu kredit diklasifikasikan berdasarkan Classification of loans by maturity based on the term of
periode kredit sebagaimana yang tercantum dalam the loans as stated in the loan agreements and the
perjanjian kredit dan waktu yang tersisa sampai dengan remaining period until its maturity is as follows:
saat jatuh temponya sebagai berikut:
Berdasarkan Periode Perjanjian By Period of Contract
2025 2024
Kurang dari atau sama dengan 1 tahun 177.287 272.337 1 year or less
Lebih dari 1 sampai 2 tahun 49.149 81.446 More than 1 year until 2 years
Lebih dari 2 sampai 5 tahun 983.036 677.308 More than 2 years until 5 years
Lebih dari 5 tahun 3.859.901 2.820.190 More than 5 years
Jumlah 5.069.373 3.851.281 Total
Cadangan kerugian penurunan nilai (180.621) (243.641) Allowance for impairment losses
Bersih 4.888.752 3.607.640 Net
Berdasarkan Sisa Umur Jatuh Tempo By Remaining Period to Maturity
2025 2024
Kurang dari atau sama dengan 1 tahun 233.654 457.006 1 year or less
Lebih dari 1 sampai 2 tahun 181.321 146.997 More than 1 year until 2 years
Lebih dari 2 sampai 5 tahun 1.261.130 973.637 More than 2 years until 5 years
Lebih dari 5 tahun 3.393.268 2.273.641 More than 5 years
Jumlah 5.069.373 3.851.281 Total
Cadangan kerugian penurunan nilai (180.621) (243.641) Allowance for impairment losses
Bersih 4.888.752 3.607.640 Net
g. Kisaran suku bunga untuk kredit yang diberikan g. The average interest rates for loans are disclosed in
diungkapkan dalam (Catatan 38). (Note 38).
h. Kredit dijamin dengan deposito berjangka, agunan h. Loans are secured with time deposits, registered
yang diikat dengan hak tanggungan atau surat kuasa mortgages over collateral or power of attorney to sell
untuk menjual dan jaminan lain yang umumnya and by other guarantees generally acceptable to the
diterima oleh Bank. Bank.
i. Kredit Restrukturisasi i. Restructured Loans
Pada tanggal 31 Desember 2025 dan 2024, saldo kredit As of December 31, 2025 and 2024, the balance of
yang direstrukturisasi Bank masing-masing adalah restructured loans amounting to Rp49,907 and
Rp49.907 dan Rp65.769 dengan cadangan kerugian Rp65,769 respectively, with related allowance for
penurunan nilai sebesar Rp17.780 dan Rp34.389 pada impairment loss of Rp17,780 and Rp34,389 and as of
31 Desember 2025 dan 2024. Kredit yang December 31, 2025 and 2024, respectively.
direstrukturisasi dilakukan dengan mengubah Restructured loans represent change of principal and
persyaratan pokok dan bunga serta perpanjangan waktu interest terms and extension in loans terms.
kredit.
Berikut ini adalah saldo kredit yang direstrukturisasi The collectibility classification of restructured loans as
pada tanggal 31 Desember 2025 dan 2024 berdasarkan of December 31, 2025 and 2024 is as follows:
klasifikasi kolektibilitas:
2025 2024
Lancar 6.197 27.338 Current
Dalam perhatian khusus 2.598 3.931 Special mention
Kurang lancar 72 - Sub-standard
Diragukan - 780 Doubtful
Macet 41.041 33.720 Loss
Jumlah 49.908 65.769 Total
Cadangan kerugian penurunan nilai (17.780) (34.389) Allowance for impairment losses
Bersih 32.129 31.380 Net
- 55 -
Page 505
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
10. KREDIT (lanjutan) 10. LOANS (continued)
i. Kredit Restrukturisasi i. Restructured Loans
Mutasi cadangan kerugian penurunan nilai kredit Changes in allowances for impairment losses on
adalah sebagai berikut: loans are as follows:
2025 2024
Saldo awal 243.641 365.754 Beginning balance
Pemulihan nilai selama tahun berjalan (74.780) (163.166) Value recovery during the year
Pembentukan nilai selama tahun berjalan 11.760 41.053 Formation in value during the year
Saldo akhir 180.621 243.641 Ending balance
j. Cadangan Kerugian Penurunan Nilai j. Allowance for Impairment Losses
Berikut ini adalah saldo kredit yang mengalami The following are credit balances that have decreased
penurunan kolektibilitas dan tidak mengalami in collectability and have not experienced a decrease in
penurunan kolektibilitas pada tahun berjalan collectibility in the current year December 31, 2025
31 Desember 2025 dan 2024 : and 2024:
2025 2024
Kredit yang mengalami penurunan 66.664 52.976 Loans have experienced a decrease in
kolektibilitas collectability
Kredit yang tidak mengalami 5.002.709 3.798.305 Loans not experience a decrease in
penurunan kolektibilitas collectability
Jumlah kredit 5.069.373 3.851.281 Total loans
2025
Stage 1 Stage 2 Stage 3 Jumlah
Saldo awal 26.977 3.172 213.492 243.641 Beginning balance
Pembentukan Value Formation
(Pemulihan) (Recovery) during the
periode berjalan 11.761 (844) (73.936) (63.020) period
Saldo akhir periode 38.738 2.328 139.556 180.621 Balance at end of the Period
2024
Stage 1 Stage 2 Stage 3 Jumlah
Saldo awal 32.323 27.324 306.107 365.754 Beginning balance
Pembentukan Value Formation
(Pemulihan) (Recovery) during the
periode berjalan (5.346) (24.152) (92.615) (122.113) period
Saldo akhir periode 26.977 3.172 213.492 243.641 Balance at end of the Period
Tingkat Pemenuhan Penurunan Nilai Compliance of Impairment
2025 2024
Penurunan nilai sesuai dengan 230.684 239.295 Compliance of impairment
pemenuhan ketentuan Bank in accordance with Bank Indonesia
Indonesia regulation
Tingkat pemenuhan 78,30% 101,82% The level of compliance
Peraturan Bank Indonesia terkait penurunan nilai adalah Bank Indonesia regulation relate to impairment is No.
No. 7/2/PBI/2005 tanggal 20 Januari 2005 tentang 7/2/PBI/2005 dated January 20, 2005 on Assets
Penilaian Kualitas Aktiva Bank Umum sebagaimana Quality Rating for Commercial Banks as amended by
telah diubah dengan PBI No. 11/2/PBI/2009 tanggal PBI No. 11/2/PBI/2009 dated January 29, 2009. Since
29 Januari 2009. Sejak 24 Oktober 2012, Bank October 24, 2012, the Bank followed the PBI No.
mengikuti PBI No. 14/15/PBI/2012 tanggal 14/15/PBI/2012 date October 24, 2012 about
24 Oktober 2012 tentang Penilaian Kualitas Aset Bank Assessment of Commercial Bank Asset Quality.
Umum.
Manajemen berpendapat bahwa cadangan kerugian The management believes that the allowance for
penurunan nilai yang dibentuk cukup untuk menutup impairment loss is adequate to cover impairment loss
kemungkinan kerugian akibat tidak tertagihnya kredit. on uncollectible loans.
- 56 -
Page 506
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
10. KREDIT (lanjutan) 10. LOANS (continued)
k. Mutasi kredit yang dihapus buku untuk periode k. The movement of loans written-off for the period
yang berakhir pada tanggal 31 Desember 2025 dan ended December 31, 2025 and 2024 (Note 36a), are
2024 (Catatan 36a), adalah sebagai berikut: as follows:
2025 2024
Saldo awal 1.875.257 1.888.620 Beginning balance
Kenaikan / (Penurunan) 54.466 (13.363) Increase / (Decrease)
Saldo akhir 1.929.723 1.875.257 Ending balance
l. Pada tanggal 31 Desember 2025 dan 2024, Bank telah l. As of December 31, 2025 amd 2024, the Bank was in
memenuhi ketentuan Batas Maksimum Pemberian compliance with Legal Lending Limits (BMPK).
Kredit (BPMK)
m. Rasio Non-performing Loan (NPL) Bank sesuai m. The ratio of Non-performing Loan (NPL) in
dengan Surat Edaran Bank Indonesia No. 13/30/DPNP accordance with Bank Indonesia Circular Letter
tanggal 16 Desember 2011. Pada tanggal 31 Desember No. 13/30/DPNP dated December 16, 2011. As of
2025 dan 2024, rasio NPL secara bruto masing-masing December 31, 2025 and 2024, ratio of NPL gross of
sebesar 4,67 % dan 7,53 % sedangkan rasio NPL allowance for impairment losses is 4.67% and 7.53%
secara neto masing-masing sebesar 1,92% dan 1,98%. respectively, while the ratio of NPL net (net of
allowance for impairment losses) is 1.92% and 1.98%
respectively.
n. Kredit konsumsi sebagian besar adalah kredit yang n. Some of consumer loans are the loans that granted to
diberikan kepada Aparatur Sipil Negara Provinsi Banten Provincial Civil State Apparatus which are
Banten yang dipergunakan untuk pembelian rumah, used for the purchase of houses, vehicles and other
kendaraan bermotor dan kebutuhan konsumtif lainnya. consumptive needs.
o. Kredit modal kerja terdiri dari kredit berjangka, kredit o. Working capital loans consist of term loans, overdraft
rekening koran, kredit akseptasi dan cerukan yang loans, acceptances loans and overdrafts granted to
diberikan kepada debitur untuk keperluan modal kerja. borrowers for working capital purposes.
p. Kredit investasi merupakan kredit jangka menengah p. Investment loans is a medium or long-term loans
atau panjang yang diberikan kepada debitur untuk granted to debtor for the purchase of capital assets.
pembelian barang modal.
q. Pada tanggal 31 Desember 2025 dan 2024, tidak q. As of December 31, 2025 and 2024, there were no
terdapat kredit sindikasi yang diberikan oleh Bank. syndicated loans granted by the Bank.
r. Kredit yang diberikan kepada karyawan Bank dibebani r. The Bank charged interest for loans granted to
bunga masing-masing 6,00% - 7,20% per tahun untuk employees for 6.00% - 7.20% per annum for year
tahun yang berakhir 31 Desember 2025 dan 2024 ended December 31, 2025 and 2024 with repayment
dengan jangka waktu pelunasan berkisar antara 1 periods ranging from 1 to 15 years and paid through
sampai dengan 15 tahun dan dibayar melalui monthly payroll deductions, respectively.
pemotongan gaji bulanan.
s. Rasio kredit usaha mikro kecil terhadap jumlah kredit s. The ratio of micro business loans to total loans in
sesuai dengan Surat Edaran Bank Indonesia accordance with Bank Indonesia Circular Letter
No. 13/30/DPNP tanggal 16 Desember 2011 adalah No. 13/30/DPNP dated December 16, 2011 is 4.65%
sebesar 4,65% dan 2,96% masing-masing pada tanggal and 2.96% on December 31, 2025 and 2024,
31 Desember 2025 dan 2024. respectively.
u. Jumlah kredit yang dijamin dengan agunan tunai u. Total loans with cash collateral amounting to
masing-masing sebesar Rp209.794 dan Rp314.465 Rp209,794 and Rp314,465 respectively, as of
pada tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024.
v. Seluruh saldo kredit dalam mata uang Rupiah. v. All loans are denominated in Rupiah.
w. Jumlah biaya transaksi (provisi) yang menjadi bagian w. Total of transaction costs (fees), which became part of
dari kredit adalah RpNihil ada tanggal 31 Desember the loans is RpNil as of December 31, 2025 and 2024,
2025 dan 2024. respectively.
- 57 -
Page 507
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
11. PENDAPATAN BUNGA YANG MASIH AKAN 11. ACCRUED INTEREST RECEIVABLE
DITERIMA
Akun ini terdiri dari: This account consists of:
2025 2024
Kredit 22.534 13.336 Loans
Efek-efek 11.708 11.706 Securities
Jumlah 34.242 25.042 Total
12. BIAYA DIBAYAR DIMUKA 12. PREPAID EXPENSES
Akun ini terdiri dari: This account consists of:
2025 2024
Asuransi: Insurance:
Asuransi Jamkrida 712.179 733.728 Jamkrida insurance
Asuransi lainnya 38.505 16.612 Others insurance
Sewa 1.671 7.471 Lease
Promosi dan hadiah 227 559 Promotions and gifts
Lain-lain 637 20.994 Others
Jumlah 753.219 779.365 Total
Asuransi Insurance
Pada tanggal 3 Maret 2021 Bank melakukan perjanjian On March 3, 2021, the Bank entered into a cooperation
kerjasama dengan PT Penjaminan Kredit Daerah Banten agreement with PT Penjaminan Kredit Daerah Banten with
dengan surat perjanjian kerjasama a cooperation agreement letter No. 007/DIR/PKS/ III/2021
No.007/DIR/PKS/III/2021 dan No. 028/PKS/DIR-BB/III/21 and No. 028/PKS/DIR-BB/III/21 related to Micro Credit
terkait Penjaminan Kredit Mikro Eks Bank Pundi dengan Guarantee for Ex-Pundi Bank with a maximum guarantee
nilai penjaminan maksimal Rp800.000.000.000 (nilai penuh) value of Rp800,000,000,000 (full amount) and a period of
dan jangka waktu 1 Desember 2020 sampai dengan December 1, 2020 to November 30, 2030.
30 November 2030.
Berdasarkan sertifikat penjaminan No.PKP-03-2022 30- Based on the guarantee certificate No.PKP-03-2022 30-
0002 tanggal diterbitkan 24 Maret 2021 Bank telah mengikat 0002 issued date March 24, 2021, the Bank has binded a
Penjaminan kredit kepada PT Penjaminan Kredit Daerah credit guarantee to PT Penjaminan Kredit Daerah Banten
Banten terkait Penjaminan Kredit Mikro Eks Bank Pundi regarding Micro Credit Guarantee of Ex Pundi Bank with a
dengan nilai jumlah kredit sebesar Rp771.220.970.581 (nilai total credit value of Rp771,220,970,581 (full amount) with a
penuh) dengan biaya penjaminan sebesar guarantee fee of Rp778,933,180,293 (full amount).
Rp778.933.180.293 (nilai penuh).
Berdasarkan sertifikat penjaminan No.PKP-12-2023 30- Based on the guarantee certificate No.PKP-12-2023 30-
0064 tanggal diterbitkan 22 Desember 2023 Bank telah 0064 issued date December 22, 2023, the Bank has binded a
mengikat Penjaminan kredit kepada PT Penjaminan Kredit credit guarantee to PT Penjaminan Kredit Daerah Banten
Daerah Banten terkait Penjaminan Kredit Mikro Eks Bank regarding Micro Credit Guarantee of Ex Pundi Bank with a
Pundi dengan nilai jumlah kredit sebesar total credit value of Rp170,089,770,349 (full amount) with a
Rp170.089.770.349 (nilai penuh) dengan biaya penjaminan guarantee fee of Rp171,790,668,053 (full amount).
sebesar Rp171.790.668.053 (nilai penuh).
Pada tahun 2023 Bank membuat Petunjuk Teknis In 2023 the Bank will make Technical Instructions
No.004/Juknis/AKT-BB/XII/2023 tentang Mekanisme No.004/Juknis/AKT-BB/XII/2023 concerning Accounting
Proses Akuntansi Atas Transaksi Penjaminan Jamkrida, Process Mechanism for Jamkrida Guarantee Transactions,
sekaligus merevisi Memorandum No.137/M/DIR- while revising Memorandum No.137/M/DIR-BB/III/2021
BB/III/2021 tentang mekanisme Hapus Buku Kredit Mikro concerning the mechanism for writing off Ex-
Eks-Pundi/Eksekutif dengan skema Penjaminan kepada Pundi/Executive Micro Credit Books with a Guarantee
Jamkrida Banten, bahwa pencatatan dan pengakuan transaksi Scheme to Jamkrida Banten, that the recording and
penjaminan kredit Jamkrida sebesar nilai pokok yang recognition of Jamkrida credit guarantee transactions is in
dijaminkan sesuai klausul subrogasi akan berkurang sesuai the amount of the principal amount guaranteed in
dengan hasil penagihan yang dilakukan Bank, dan untuk accordance with the subrogation clause will be reduced
biaya premi sebesar 1% yang dibayarkan oleh Bank akan according to the results of the collection carried out by the
dilakukan amortisasi selama jangka waktu sertifikat Bank, and the 1% premium fee paid by the Bank will be
penjaminan. amortized over the term of the guarantee certificate.
Asuransi yang dijaminkan Bank ke PT Penjaminan Kredit The insurance guaranteed by the Bank to PT Penjaminan
Daerah Banten adalah sebagai berikut: Kredit Daerah Banten is as follows:
- 58 -
Page 508
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
12. BIAYA DIBAYAR DIMUKA (lanjutan) 12. PREPAID EXPENSES (continued)
2025 2024
Saldo awal pokok asuransi jamkrida: Jamkrida insurance principal
starting balance:
Nilai kredit 727.464 763.959 Credit value
Nilai premi 7.275 7.277 Premi value
Mutasi: 734.739 771.236 Mutation:
Rekening perantara liabilitas segera (21.551) (36.494) Immediate liability brokerage
(Catatan 17) Account (Note 17)
Amortisasi asuransi (Catatan 29) (1.009) (1.014) Amortization insurance (Note 29)
(22.560) (37.508)
Saldo akhir 712.179 733.728 Ending balance
Biaya amortisasi pada beban umum dan administrasi pada The amortization of general and administrative expenses as
31 Desember 2025 dan 2024 sebesar Rp1.009 dan Rp1.014 of December 31, 2025 and 2024 amounting to Rp1,009 and
(Catatan 28). Rp1,014 (Note 28).
13. ASET TETAP DAN ASET HAK GUNA 13. FIXED ASSETS AND RIGHT OF USE OF ASSETS
Rincian aset tetap sebagai berikut: The detail of fixed assets as follows:
2025
Perubahan selama periode berjalan /Changes during the period
Saldo awal/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
balance Additions Deductions Reclassification Ending balance
Pemilikan langsung Direct ownership
Biaya perolehan Cost
Tanah - 7.376 - - 7.376 Land
Bangunan - 132.193 - - 132.193 Buildings
Renovasi bangunan 166.653 4.452 - 19 171.124 Leasehold
yang disewa Improvement
Kendaraan 2.589 18 - - 2.607 Vehicles
Perlengkapan, mesin 138.221 4.168 - - 142.389 Office equipment,
dan peralatan kantor machine and furnitures
Aset dalam pembangunan 19 - (19) - Assets under construction
307.482 148.207 - - 455.689
Aset sewa guna 40.002 1.786 (6.918) - 34.870 Right of use of assets
Jumlah 347.483 149.993 (6.918) - 490.558 Total
Akumulasi penyusutan Accumulated depreciation
Renovasi bangunan 161.857 1.964 - - 163.821 Leasehold
yang disewa Improvement
Kendaraan 2.589 - - 2.589 Vehicles
Perlengkapan, mesin 133.227 3.305 - - 136.532 Office equipment,
dan peralatan kantor machine and furnitures
297.673 5.269 - - 302.942
Aset sewa guna 21.634 4.892 (6.918) - 19.608 Right of use of assets
Jumlah 319.307 10.161 (6.918) - 322.550 Total
Nilai Tercatat 28.176 168.008 Net-carrying value
- 59 -
Page 509
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
13. ASET TETAP DAN ASET HAK GUNA (lanjutan) 13. FIXED ASSETS AND RIGHT OF USE OF ASSETS
(continued)
2024
Perubahan selama periode berjalan /Changes during the period
Saldo awal/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
balance Additions Deductions Reclassification Ending balance
Pemilikan langsung Direct ownership
Biaya perolehan Cost
Renovasi bangunan 165.141 1.512 - - 166.653 Leasehold
yang disewa Improvement
Kendaraan 2.589 - - 2.589 Vehicles
Perlengkapan, mesin 136.846 1.375 - - 138.221 Office equipment,
dan peralatan kantor machine and furnitures
Aset dalam pembangunan - 19 - - 19 Assets under construction
304.576 2.906 - - 307.482
Aset sewa guna 39.750 6.695 - (6.443) 40.002 Right of use of assets
Jumlah 344.326 9.600 - (6.443) 347.483 Total
Akumulasi penyusutan Accumulated depreciation
Renovasi bangunan 157.417 4.440 - - 161.857 Leasehold
yang disewa Improvement
Kendaraan 2.589 - - 2.589 Vehicles
Perlengkapan, mesin 129.991 3.236 - - 133.227 Office equipment,
dan peralatan kantor machine and furnitures
289.997 7.676 - - 297.673
Aset sewa guna 22.009 6.068 - (6.443) 21.634 Right of use of assets
Jumlah 312.006 13.744 - (6.443) 319.307 Total
Nilai Tercatat 32.320 28.176 Net-carrying value
Beban penyusutan yang dibebankan pada laba rugi untuk Depreciation charged to profit and loss for year
tahun yang berakhir pada tanggal 31 Desember 2025 ended Desember 31,2025 and 2024 amounting to Rp10,161
dan 2024 masing-masing adalah sebesar Rp10.161 dan and Rp13,744, respectively (Note 28).
Rp13.744 (Catatan 28).
Berdasarkan surat Peraturan Daerah Provinsi Banten No. 4 Based on Banten Province Regional Regulation Number 4 of
Tahun 2025 Tentang Penyertaan Modal Daerah ke dalam 2025 concerning Regional Capital Participation to the
Perseroan Terbatas Bank Pembangunan Daerah Banten Limited Liability Company Banten Regional Development
(Perseroda Terbuka) tanggal 30 Desember 2025. Dengan Bank (Perseroda Terbuka) dated December 30, 2025. With
Peraturan Daerah ini, Pemerintah Daerah telah melakukan this Regional Regulation, the Regional Government has
Pernyertaan Modal Daerah ke dalam Bank berupa tanah dan made Regional Capital Participation to the Bank in the form
bangunan senilai Rp139.569 of land and buildings worth Rp139,569.
Aset tetap (termasuk aset yang disewa), kecuali tanah, All fixed assets (include leased assets), except land, are
diasuransikan pada PT Asuransi Askrida Syariah dengan insured with PT Asuransi Askrida Syariah, amounting to Rp
nilai pertanggungan sebesar Rp70.640 pada tanggal and Rp70,640 as of December 31, 2023. On December 31,
31 Desember 2023. Pada 31 Desember 2024, diasuransikan 2024, they are insured with PT Asuransi Asei Indonesia with
pada PT Asuransi Asei Indonesia dengan nilai a value coverage amounting to Rp165, Management believes
pertanggungan sebesar Rp165, Manajemen berpendapat that the insurance coverage is adequate to cover impairment
bahwa nilai pertanggungan tersebut cukup untuk menutupi loss on the assets insured.
kemungkinan kerugian atas aset yang dipertanggungkan.
Aset tetap (termasuk aset yang disewa), kecuali tanah, Fixed assets (including leased assets), except land, are
diasuransikan pada Asuransi Sinar Mas dengan nilai insured with Sinar Mas Insurance with a coverage value of
pertanggungan sebesar Rp73.935 pada tanggal 14 April Rp73,935 as of April 14, 2025.
2025.
Manajemen berpendapat bahwa tidak terdapat penurunan Management believes that there is no impairment in value of
nilai atas aset tersebut. the aforementioned assets.
Pada tanggal 31 Desember 2025 dan 2024, jumlah tercatat As of December 31, 2025 and 2024, the gross amount of
bruto dari setiap aset tetap yang telah disusutkan penuh dan fixed assets which have been fully depreciated and are still
masih digunakan adalah sebesar Rp168.008 dan Rp278.252 used amounting to Rp168,008 and Rp278,252 respectively.
- 60 -
Page 510
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
14. AGUNAN YANG DIAMBIL ALIH 14. FORECLOSED ASSETS
Akun ini terdiri dari: This account consists of:
2025 2024
Nilai tercatat 3.623 3.623 Cost
Cadangan kerugian penurunan nilai (1.252) (1.252) Allowance for impairment losses
Jumlah 2.371 2.371 Total
Agunan yang diambil alih terdiri dari tanah dan bangunan. Foreclosed assets consist of land and buildings.
Cadangan kerugian penurunan nilai pada tanggal Changes in the allowance for impairment losses as of
31 Desember 2025 dan 2024 adalah sebesar Rp1.252. December 31,2025 and 2024 amounting to Rp1,252.
Manajemen berpendapat bahwa jumlah cadangan kerugian Management believes that the allowance for impairment
penurunan nilai agunan yang diambil alih adalah cukup losses of the foreclosed assets is adequate to cover all
untuk menutup kerugian yang mungkin timbul akibat tidak possible losses that may arise.
dapat terealisasinya agunan yang diambil alih tersebut.
15. ASET TAK BERWUJUD 15. INTANGIBLE ASSETS
Rincian akun ini adalah sebagai berikut: This account consists of:
2025 2024
Aset tak berwujud 80.386 28.708 Intangible assets
Jumlah 80.386 28.708 Total
Rincian aset takberwujud adalah sebagai berikut: The details of intangible assets are as follows:
2025 2024
Perangkat lunak: Software:
Biaya perolehan Cost
Saldo awal 108.906 97.556 Beginning balance
Penambahan 57.222 11.350 Addition
Saldo akhir 166.128 108.906 Ending balance
Akumulasi amortisasi Accumulated amortization
Saldo awal (92.864) (89.375) Beginning balance
Penambahan (7.116) (3.488) Addition
Saldo akhir (99.979) (92.864) Ending balance
66.149 16.043
Hak paten: Paten:
Biaya perolehan Cost
Saldo awal 114 114 Beginning balance
Penambahan 80 - Addition
Saldo akhir 194 114 Ending balance
Akumulasi amortisasi Accumulated amortization
Saldo awal (104) (97) Beginning balance
Penambahan (5) (7) Addition
Saldo akhir (109) (104) Ending balance
85 10
Perangkat lunak - sedang dalam Software - in progress
penyelesaian 14.152 12.655
Jumlah nilai tercatat 80.386 28.708 Total carrying value
Biaya amortisasi aset takberwujud dicatat pada beban The amortization intangible asset costs recorded in general
umum dan administrasi pada 31 Desember 2025 dan and administrative expenses as of December 31, 2025 and
2024 masing-masing adalah sebesar Rp7.116, dan 2024 amounting to Rp7,116 and Rp3,488 respectively (Note
Rp3.488 (Catatan 28). 28).
Sampai dengan tanggal 31 Desember 2025, sisa umur dari As of December 31, 2025, the remaining terms of software
perangkat lunak berkisar antara 1 sampai dengan 5 tahun ranged from 1 to 5 years and patent ranged 7 years and are
dan hak paten berkisar 7 tahun dan dapat diperpanjang. renewable.
- 61 -
Page 511
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
16. ASET LAIN-LAIN 16. OTHER ASSETS
Rincian akun ini adalah sebagai berikut: This account consists of:
2025 2024
Beban yang ditangguhkan 892.548 472.076 Deferred charges
Tagihan - tagihan 66.953 66.346 Billing
Persediaan kantor 4.798 6.707 Office supplies
Lainnya 4.490 79.433 Others
Jumlah 968.789 624.562 Total
a. Tagihan - tagihan a. Billing
Tagihan tagihan merupakan tagihan atas penarikan kliring, Deferred charges are costs for restructuring and other costs
transaksi atm, tagihan pinjaman dan tagihan lainnya dengan which are costs that must be paid by the company, with the
rincian sebagai berikut: following details:
2025 2024
Tagihan transaksi atm 14.258 23.109 ATM transaction billing
Tagihan bag. pinjaman 1.478 1.074 Loan billing
Tagihan bag. kliring 916 917 Clearing billing
Tagihan lainnya 50.300 41.245 Other billing
66.953 66.346
b. Persediaan kantor b. Office supplies
Persediaan kantor merupakan persediaan barang cetakan, Office supplies represent printed materials, postage stamps
persediaan materai perangko dan persediaan lainnya dengan and other supplies with the following details:
rincian sebagai berikut:
2025 2024
Barang cetak 2.289 2.244 Printed goods
Materai dan perangko 625 1.497 Stamps and stamps
Lainnya 1.885 2.966 Others
4.798 6.707
c. Beban yang ditangguhkan c. Deferred charges
2025 2024
BYD aspek keuangan 275.064 - BYD financial aspects
BYD Restrukturisasi 128.892 129.243 BYD Restructuring
BYD pajak tangguhan 114.688 - BYD deferred tax
BYD perpajakan 32.269 - BYD taxation
BYD lainnya 341.635 342.833 BYD Others
892.548 472.076
- 62 -
Page 512
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
16. ASET LAIN-LAIN (lanjutan) 16. OTHER ASSETS (continued)
Pada tahun 2025 Bank Banten mengalami kesulitan dalam In 2025, Bank Banten experienced difficulties in fulfilling the
memenuhi kewajiban pembebanan Biaya Yang obligation to charge Deferred Costs (BYD) according to the
Ditangguhkan (BYD) sesuai dengan jadwal yang ditetapkan schedule set out in the Restructuring Action Plan as of April
dalam Action Plan Penyehatan per 7 April 2021. Jadwal 7, 2021. The current charging schedule ends in 2030 and is
pembebanan yang berlaku saat ini berakhir pada tahun 2030 considered to affect the sustainability and going concern of
dinilai dapat mempengaruhi sustainability serta going Bank Banten in the long term. Therefore, the bank has
concern Bank Banten dalam jangka panjang. Sehingga bank prepared and submitted a Restructuring Action Plan (APP)
telah menyusun dan mengajukan Action Plan Penyehatan as an effort to rehabilitate and strengthen the bank's
(APP) sebagai upaya penyehatan dan penguatan kondisi financial condition through a letter from the Board of
keuangan bank melalui surat Direksi Bank Banten Directors of Bank Banten No. 1187 / Dir-BB / VIII / 2025
No.1187/Dir-BB/VIII/2025 ditunjukkan kepada Pemegang addressed to the Controlling Shareholder (Governor of
Saham Pengendali (Gubernur Provinsi Banten). Dan dari Banten Province). And from this application, the Banten
permohonan tersebut telah di setujui Pemerintah Provinsi provincial government has approved it as the controlling
Banten selaku pemegang saham pengendali melalui shareholder through the governor's commitment with No.
komitmen gubernur dengan No.194/2025 tanggal 15 194 / 2025 dated October 15, 2025 and No. 267 / 2025 dated
Oktober 2025 dan No.267/2025 tanggal 28 November 2025 November 28, 2025 shown to the Financial Services
yang ditunjukkan kepada Otoritas Jasa Keuangan (OJK) Authority (OJK) by providing a statement of disclosure of
dengan memberikan pernyataan pengungkapan permodalan Bank Banten's capital. Furthermore, Bank Banten submitted
Bank Banten. Selanjutnya Bank Banten mengajukan a relaxation request to the Financial Services Authority
permohonan relaksasi kepada Otoritas Jasa Keuangan (OJK) (OJK) through letter No. 1243/Dir-BB/IX/2025 regarding
melalu surat No.1243/Dir-BB/IX/2025 perihal berupa the extension of the BYD addition period which originally
perpanjangan jangka waktu periode penambahan BYD yang ended in 2030 to 2035.
semula berakhir pada tahun 2030 menjadi 2035.
\
Keterangan Jumlah 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035
Aspek Keuangan APP 1 1.200.414 1.000 15.923 35.827 51.751 67.674 83.597 188.928 188.928 188.928 188.928 188.928
Aspek Keuangan pada Due Diligence per 31 Des 25 275.064 - 3.649 8.210 11.858 15.507 19.156 43.337 43.337 43.337 43.337 43.337
Aspek Perpajakan pada Due Diligence per 31 Des 25 32.269 - 428 963 1.391 1.819 2.247 5.084 5.084 5.084 5.084 5.084
Aset Pajak Tangguhan 115.688 1.000 5.000 10.000 15.000 20.000 20.000 8.938 8.938 8.938 8.938 8.936
Rencana Pembebanan BYD 1.623.435 2.000 25.000 55.000 80.000 105.000 125.000 246.287 246.287 246.287 246.287 246.285
Sisa BYD 1.621.435 1.596.435 1.541.435 1.461.435 1.356.435 1.231.435 985.147 738.860 492.573 246.285 0
Kebijakan ini secara strategis ditujukan untuk menjaga This policy is strategically intended to maintain financial
kesehatan keuangan, kelangsungan usaha dan keberlanjutan soundness, business continuity, and the sustainability of
Bank Banten dengan mengelola beban keuangan secara lebih Bank Banten by managing financial expenses in a more
realistis dan terukur. realistic and measurable manner.
Total nilai biaya yang diusulkan untuk mendapatkan The total amount of costs proposed for the extension of the
perpanjangan jangka waktu pembebanan adalah Rp 1.623 amortization period is Rp1,623 trillion, consisting of: APP 1
triliun yang terdiri dari biaya APP 1 tahun 2021 sebesar costs in 2021 amounting to Rp1,2 trillion, Due diligence
Rp1.2 triliun, Hasil Due Diligence konsultan independent results from the independent consultant EY amounting to
EY sebesar Rp275 miliar, Biaya Yang Ditangguhkan (BYD) Rp275 billion, Deferred Charges (BYD) related to
teknologi Informasi dan lainnya sebesar Rp32 miliar, dan Information Technology and others amounting to Rp32
Aset Pajak Tangguhan Rp115 miliar. billion, and Deferred Tax Assets amounting to Rp115 billion.
Biaya amortisasi atas BYD restrukturisasi dan BYD lainnya Amortization costs for BYD restructuring and other BYD are
dicatat pada beban non operasional pada recorded in non-operating expenses at December 31, 2025
31 Desember 2025 dan 2024 masing-masing sebesar 2024 amounting to Rp2,701 and Rp10,000 (Note 30)
Rp2.701 dan Rp10.000 (Catatan 30).
Pada tanggal 23 Desember 2024, Berdasarkan Risalah Rapat On December 23, 2024, Based on the Minutes of the Board
Direksi dan Dewan Komisaris No.011/RR/KOM- of Directors and Board of Commissioners Meeting Number:
DIR/XII/2024, manajemen Bank telah melakukan 011/RR/KOM-DIR/XII/2024, the Bank's management has
penyesuaian jumlah pembebanan biaya diamortisasi untuk adjusted the amortized cost charge for 2024 to Rp10,000 by
tahun 2024 menjadi sebesar Rp10.000 dengan considering the policies taken by the Bank's management in
memperhatikan kebijakan yang dibuat manajemen Bank 2020 regarding the adjustment of deferred costs and the
tahun 2020 perihal penyesuaian biaya yang ditangguhkan Bank's financial performance in 2024.
dan kinerja keuangan bank tahun 2024.
- 63 -
Page 513
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
17. LIABILITAS SEGERA 17. LIABILITIES DUE IMMEDIATELY
Akun ini terdiri dari: This account consists of:
2025 2024
Rekening perantara asuransi 21.551 36.494 Immediate liability insurance
Utang bunga 18.735 13.420 Interest payable
Lain-lain 59.731 92.456 Others
Jumlah 100.017 142.370 Total
18. SIMPANAN DARI NASABAH 18. DEPOSITS FROM CUSTOMERS
Akun ini terdiri dari: This account consists of:
2025
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Giro 1.663 721.974 723.637 Demand deposits
Tabungan 828 779.920 780.748 Savings
Deposito berjangka 19.424 4.896.506 4.915.930 Time deposits
Jumlah 21.915 6.398.400 6.420.315 Total
2024
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Giro 431.700 235.394 667.094 Demand deposits
Tabungan 11 711.611 711.622 Savings
Deposito berjangka 28.688 3.448.437 3.477.125 Time deposits
Jumlah 460.399 4.395.442 4.855.841 Total
a. Giro a. Demand deposits
Giro yang diblokir dan dijadikan jaminan atas kredit Demand deposits blocked out and pledged as loan
Bank adalah sebesar RpNihil pada tanggal collateral amounting to RpNil as of December 31, 2025
31 Desember 2025 dan 2024. Saldo giro seluruhnya and 2024. All demands deposits are in Indonesian
dalam mata uang Rupiah. Rupiah.
Kisaran suku bunga untuk giro diungkapkan dalam The ranges of interest rates for demand deposits are
(Catatan 38). disclosed in (Note 38).
b. Tabungan b. Savings
Tabungan yang diblokir dan digunakan sebagai Savings blocked and pledged as loan collateral
jaminan atas kredit sebesar RpNihil pada tanggal amounting to RpNil on December 31, 2025 and 2024.
31 Desember 2025 dan 2024. Saldo tabungan All savings are denominated in Indonesian Rupiah.
seluruhnya dalam mata uang Rupiah.
Kisaran suku bunga untuk tabungan diungkapkan The ranges of interest rates for savings deposits are
dalam (Catatan 38). disclosed in (Note 38).
- 64 -
Page 514
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
18. SIMPANAN DARI NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito berjangka c. Time deposits
Berdasarkan Jangka Waktu Kontrak By Period of Contract
2025
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Kurang dari atau 1 bulan - 1.519.134 1.519.134 1 month or less
Lebih dari 1 s/d 3 bulan 9.057 2.122.352 2.131.409 More than 1 month until 3 months
Lebih dari 3 s/d 6 bulan 1.077 722.612 723.689 More than 3 months until 6 months
Lebih dari 6 s/d 12 bulan 9.290 530.378 539.668 More than 6 months until 12 months
Lebih dari 12 bulan - 2.030 2.030 More than 12 months
19.424 4.896.506 4.915.930
2024
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Kurang dari atau 1 bulan 8.963 881.916 890.879 1 month or less
Lebih dari 1 s/d 3 bulan 19.107 1.616.230 1.635.337 More than 1 month until 3 months
Lebih dari 3 s/d 6 bulan 618 779.022 779.640 More than 3 months until 6 months
Lebih dari 6 s/d 12 bulan - 166.151 166.151 More than 6 months until 12 months
Lebih dari 12 bulan - 5.118 5.118 More than 12 months
28.688 3.448.437 3.477.125
Berdasarkan Jatuh Tempo By Remaining Period to Maturity
2025
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Kurang dari atau 1 bulan 500 - 500 1 month or less
Lebih dari 1 s/d 3 bulan - 1.000 1.000 More than 1 month until 3 months
Lebih dari 3 s/d 6 bulan 17.847 3.994.541 4.012.388 More than 3 months until 6 months
Lebih dari 6 s/d 12 bulan 1.077 569.163 570.240 More than 6 months until 12 months
Lebih dari 12 bulan - 331.802 331.802 More than 12 months
19.424 4.896.506 4.915.930
2024
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Kurang dari atau 1 bulan 8.963 881.916 890.879 1 month or less
Lebih dari 1 s/d 3 bulan 19.107 1.616.230 1.635.337 More than 1 month until 3 months
Lebih dari 3 s/d 6 bulan 618 779.022 779.640 More than 3 months until 6 months
Lebih dari 6 s/d 12 bulan - 166.151 166.151 More than 6 months until 12 months
Lebih dari 12 bulan - 5.118 5.118 More than 12 months
28.688 3.448.437 3.477.125
Kisaran suku bunga untuk deposito berjangka The ranges of interest rates for time deposits are
diungkapkan dalam (Catatan 38). disclosed in (Note 38).
Deposito berjangka yang diblokir dan dijadikan Time deposits blocked out and pledged as loan
jaminan atas kredit Bank adalah sebesar Rp45.466 dan collateral amounting to Rp45,466 and Rp107,663 as of
Rp107.663 masing-masing pada tanggal December 31, 2025 and 2024, respectively. All time
31 Desember 2025 dan 2024. Saldo deposito berjangka deposits are in Indonesian Rupiah.
seluruhnya dalam mata uang Rupiah.
Pada tanggal 31 Desember 2025 dan 2024, tidak As of December 31, 2025 and 2024, there is no
terdapat sertifikat deposito yang di amortisasi pada deposits certificate that amortized on current year.
tahun berjalan.
- 65 -
Page 515
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
19. SIMPANAN DARI BANK LAIN 19. DEPOSITS FROM OTHER BANKS
Rincian simpanan dari bank lain terdiri atas: Deposits from other banks consists of:
2025
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Deposito berjangka - 1.078.997 1.078.997 Time deposits
Giro 4.013 170.533 174.546 Demand Deposit
Tabungan - 20.085 20.085 Savings
4.013 1.269.615 1.273.628
2024
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Deposito berjangka - 533.372 533.372 Time deposits
Giro 3.297 143.795 147.092 Demand Deposit
Tabungan - 13.564 13.564 Savings
3.297 690.731 694.028
Jangka waktu kontrak simpanan dari bank lain, kecuali Period of contract of deposits from other banks, except time
deposito berjangka, adalah kurang dari atau satu bulan. deposits, is a month or less. Period of contract of time
Jangka waktu kontrak deposito berjangka dari bank lain deposits from other banks are as follow:
adalah sebagai berikut:
2025 2024
Kurang dari atau 1 bulan 480.342 160.659 1 month or less
Lebih dari 1 s/d 3 bulan 393.350 243.106 More than 1 month until 3 months
Lebih dari 3 s/d 6 bulan 131.255 17.755 More than 3 months until 6 months
Lebih dari 6 s/d 12 bulan 74.050 111.852 More than 6 months until 12 months
1.078.997 533.372
Kisaran suku bunga untuk simpanan dari bank lain The ranges of interest rates for deposits from other banks
diungkapkan dalam (Catatan 38). are disclosed in (Note 38).
Giro yang diblokir dan dijadikan jaminan atas kredit Bank Demand deposits blocked out and pledged as loan collateral
adalah sebesar Rp27.100 dan Rp19.570 pada tanggal amounting to Rp27,100 and Rp19,570 as of December 31,
31 Desember 2025 dan 2024. Saldo giro seluruhnya dalam 2025 and 2024. All demands deposits are in Indonesian
mata uang Rupiah. Rupiah.
Deposito berjangka yang diblokir dan dijadikan jaminan atas Time deposits blocked out and pledged as loan collateral
kredit Bank adalah sebesar Rp81.055 and Rp186.317 amounting to Rp81,055 and Rp186,317 as of December 31,
masing-masing pada tanggal 31 Desember 2025, 2025 and 2024, respectively. All time deposits are in
dan 2024. Saldo deposito berjangka seluruhnya dalam mata Indonesian Rupiah.
uang Rupiah.
20. UTANG PAJAK 20. TAXES PAYABLE
Akun ini terdiri dari: This account consists of:
2025 2024
Pajak penghasilan: Income tax:
Pajak BPHTB 6.979 - BPHTB tax
Pasal 4 (2) 5.762 3.498 Article 4 (2)
Pasal 21 194 244 Article 21
Pasal 23 90 158 Article 23
PPN 21 83 PPN
Pasal 26 13 - Article 26
13.060 3.982
Besarnya pajak penghasilan terutang ditetapkan berdasarkan The filing of tax returns is based on the Bank’s self-
perhitungan pajak yang dilakukan sendiri oleh wajib pajak. assessment of tax liabilities. Based on the Law No. 28 Year
Berdasarkan Undang-undang No. 28 Tahun 2007 mengenai 2007 regarding”Third Amendment of Law No. 6 Year 1983
“Perubahan Ketiga atas Undang-Undang Nomor 6 Tahun Regarding General Rules and Procedures of Taxation”
1983 tentang Ketentuan Umum dan Tata Cara Perpajakan” which are applicable starting 2008, the Directorate General
yang berlaku mulai tahun 2008, Direktorat Jenderal Pajak of Tax (“DGT”) may assess or amend taxes within 5 years
(“DJP”) dapat menetapkan dan mengubah kewajiban pajak from the date the tax becomes due. The transitional
dalam batas waktu 5 tahun sejak tanggal terhutangnya pajak. provisions of the said Law stipulate that taxers for fiscal year
Ketentuan peralihan dari Undang-Undang tersebut mengatur 2007 and before maybe assessed by the DGT at the latest at
bahwa perpajakan untuk tahun fiskal 2007 dan sebelumnya the end of 2013.
dapat ditetapkan oleh DJP paling lambat pada akhir tahun
2013.
- 66 -
Page 516
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
21. LIABILITAS LAIN-LAIN 21. OTHER LIABILITIES
Akun ini terdiri dari: This account consists of:
2025 2024
Kewajiban aspek keuangan 72.828 - Financial liabilities
Kewajiban risiko perpajakan 32.269 - Tax risk liabilities
Kewajiban transaksi ATM 27.006 37.238 ATM transaction liabilities
Asuransi 18.398 7.119 Insurance
Liabilitas sewa guna usaha 1.047 1.897 Leases liabilities for business
Setoran jaminan 2.804 646 Security deposits
Lain-lain 103.239 72.482 Others
257.591 119.383
Asuransi adalah pembayaran asuransi dari debitur atas kredit Insurance is the payment of the debtor for loans and then
yang diberikan untuk kemudian dibayarkan ke perusahaan paid to the insurance company.
asuransi.
22. MODAL SAHAM 22. SHARE CAPITAL
Rincian pemegang saham dan kepemilikan saham Bank The details of the Bank’s shareholders and their
pada tanggal 31 Desember 2025 dan 2024 adalah sebagai shareholdings as of December 31, 2025 and 2024 are as
berikut: follows:
2025 dan/and 2024
Jumlah saham Nilai nominal
(Jumlah penuh)/ (Jumlah penuh)/
Number of shares Nominal amount Jumlah/
Jenis saham (Full amount) (Full amount) Total Types of shares
Saham seri A 1.075.511.715 1000 1.075.512 Series A shares
Saham seri B 5.335.431.323 180 960.378 Series B shares
Saham seri C: 45.459.495.228 50 2.272.974 Series C shares
Sub - jumlah 51.870.438.266 4.308.864 Sub - total
2025
Jumlah saham Persentase
(Jumlah penuh)/ kepemilikan/
Number of shares Percentage of Jumlah/
Nama pemegang saham (Full amount) ownership (%) Total Types of shares
Pemerintah Provinsi Banten 34.289.755.661 66,11% 2.139.556 Banten Provincial Government
PT Bank Pembangunan PT Bank Pembangunan
Daerah Jawa Timur Tbk 27.511.900 0,05% 2.154 Daerah Jawa Timur TBk
Masyarakat Public
(masing-masing dibawah 5%) 17.553.170.705 33,84% 2.167.154 (each below5%)
51.870.438.266 4.308.864
2024
Jumlah saham Persentase
(Jumlah penuh)/ kepemilikan/
Number of shares Percentage of Jumlah/
Nama pemegang saham (Full amount) ownership (%) Total Types of shares
Pemerintah Provinsi Banten 34.289.755.661 66,11% 2.139.556 Banten Provincial Government
Masyarakat Public
(masing-masing dibawah 5%) 17.580.682.605 33,89% 2.169.308 (each below5%)
51.870.438.266 4.308.864
Berdasarkan Rapat Umum Pemegang Saham Luar Biasa Based on the Extraordinary Shareholders’ Meeting, as
(RUPSLB) sebagaimana dinyatakan dalam Akta No. 10 documented in Notarial Deed No. 10, dated July 21, 2016 of
tanggal 21 Juli 2016 dari Fathiah Helmi, S.H., Notaris di Fathiah Helmi, S.H., a Notary in Jakarta, the Bank’s
Jakarta para pemegang saham Bank telah menyetujui shareholders approved the limited public offering IV in
penawaran umum terbatas IV dalam rangka penerbitan Hak issuance of rights for existing shareholders at a maximum of
Memesan Efek Terlebih Dahulu kepada para pemegang 35,416,600,785 series B common shares. The shareholder
saham sebanyak-banyaknya 35.416.600.785 saham biasa seri can exercise the rights to purchase 3,293 series B common
B. Setiap pemegang saham yang memiliki 1.000 saham biasa shares for every 1,000 series A common shares held at
seri A berhak membeli 3.293 saham biasa seri B dengan Rp18.35 (full amount) per share. On July 29, 2016, the Bank
harga penawaran sebesar Rp18,35 (nilai penuh) per saham. obtained the notice of effectivity from the Financial Services
Pada tanggal 29 Juli 2016, Bank memperoleh pernyataan Authority in Letter No. S-384/D.04-16.
efektif dari Otoritas Jasa Keuangan dengan suratnya
No. S-384/D.04-16.
- 67 -
Page 517
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
22. MODAL SAHAM (lanjutan) 22. SHARE CAPITAL (contimued)
Berdasarkan Rapat Umum Pemegang Saham Luar Biasa Based on the Extraordinary Shareholders’ Meeting, as
(RUPSLB) sebagaimana dinyatakan dalam Akta No. 35 documented in Notarial Deed No. 35, dated October 31,
tanggal 31 Oktober 2016 dari Fathiah Helmi, S.H., Notaris 2016 of Fathiah Helmi, S.H., a Notary in Jakarta, the Bank’s
di Jakarta para pemegang saham Bank telah menyetujui shareholders approved the limited public offering V in
penawaran umum terbatas V dalam rangka penerbitan Hak issuance of rights for existing shareholders at a maximum of
Memesan Efek Terlebih Dahulu kepada para pemegang 17,937,712,419 series B common shares. On November 24,
saham sebanyak-banyaknya 17.937.712.419 saham biasa 2016, the Bank obtained the notice of effectivity from the
seri B. Pada tanggal 24 Nopember 2016, Bank memperoleh Financial Services Authority in Letter No.S-694/D-04/2016.
pernyataan efektif dari Otoritas Jasa Keuangan dengan
suratnya No.S-694/D-04/2016.
Berdasarkan hasil pelaksanaan penawaran umum terbatas IV Based on the results of limited public offering IVand V with
dan V dengan Hak Memesan Efek Terlebih Dahulu pre-emptive rights to the Bank’s shareholders, the Bank has
(HMETD), Bank telah menambah 53.354.313.204 lembar added 53,354,313,204 shares with nominal value Rp18 (full
saham dengan nilai nominal Rp18 (jumlah penuh) yang amount) derived from limited public offering IV for
berasal dari penawaran umum terbatas IV sebanyak 35,416,600,785 shares and limited public offering V for
35.416.600.785 lembar dan penawaran umum terbatas V 17,937,712,419 and thus the Bank’s total shares issued and
sebanyak 17.937.712.419 lembar dan dengan demikian fully paid increased to become 64,109,430,357 shares.
jumlah seluruh saham ditempatkan dan disetor penuh Bank
meningkat menjadi 64.109.430.357 lembar saham.
Berdasarkan Rapat Umum Pemegang Saham Luar Biasa Based on the Extraordinary General Meeting of
(RUPSLB) sebagaimana dinyatakan dalam Akta No. 06 Shareholders (EGMS) as stated in the Deed No. 06 dated
tanggal 11 Februari 2021 dari Syarifudin, S.H., Notaris di February 11, 2021 from Syarifudin, SH, Notary in
Kota Tangerang, para pemegang saham Bank telah Tangerang City, the Bank's shareholders have approved a
menyetujui penawaran umum terbatas VI dengan Hak limited public offering VI with Pre-emptive Rights
Memesan Efek Terlebih Dahulu (HMETD), Bank telah (HMETD), the Bank has added 37,431,400,914 shares with a
menambah 37.431.400.914 lembar saham dengan nilai nominal value of Rp50 (full amount ), thus all issued and
nominal Rp50 (jumlah penuh), dengan demikian seluruh fully paid shares of the Bank increased to 43,842,343,952
saham ditempatkan dan disetor penuh Bank meningkat total shares.
menjadi 43.842.343.952 jumlah lembar saham.
Berdasarkan Rapat Umum Pemegang Saham Luar Biasa Based on the Extraordinary General Meeting of
(RUPSLB) sebagaimana dinyatakan dalam Akta No. 07 Shareholders (EGMS) as stated in the Deed No. 07
tanggal 6 Desember 2021 dari Syarifudin, S.H., Notaris di December 6, 2021 from Syarifudin, SH, Notary in
Kota Tangerang, para pemegang saham Bank telah Tangerang City, the Bank's shareholders have approved a
menyetujui penawaran umum terbatas VII dengan Hak limited public offering VII with Pre-emptive Rights
Memesan Efek Terlebih Dahulu (HMETD), Bank telah (HMETD), the Bank has added 8,028,094,314 shares with a
menambah 8.028.094.314 lembar saham dengan nilai nominal value of Rp50 (full amount), thus the total number
nominal Rp50 (jumlah penuh), dengan demikian seluruh of issued and fully paid shares of the Bank increased to
saham ditempatkan dan disetor penuh Bank meningkat 51,870,438,266 total shares.
menjadi 51.870.438.266 jumlah lembar saham.
Berdasarkan laporan informasi atau fakta material tanggal 05 Based on the material information or fact report dated
November 2025, dalam rangkaian dari pelaksanaan November 5, 2025, in a series of implementation of the Bank
Kelompok Usaha Bank (KUB) antara PT Bank Business Group (KUB) between PT Bank Pembangunan
Pembangunan Daerah Banten (Perseroda) Tbk dengan PT Daerah Banten (Perseroda) Tbk and PT Bank Pembangunan
Bank Pembangunan Daerah Jawa Timur Tbk, dimana Bank Daerah Jawa Timur Tbk, where Bank Jatim has purchased
Jatim telah melakukan pembelian saham perseroan di the company's shares in the Secondary Market at a price of
Secondary Market dengan harga Rp27 dengan jumlah Rp27 with a total of 275,119 lots or 27,511,900 shares with
275.l19 lot atau 27.511.900 lembar saham dengan a composition of 0.05%.
komposisi sebesar 0,05%.
- 68 -
Page 518
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
23. TAMBAHAN MODAL DISETOR 23. ADDITIONAL PAID-IN CAPITAL
Berdasarkan Surat dari Otorisasi Jasa Keuangan (OJK) No. Based on the Letter from the Financial Services
SR-288/PB.31/2020 pada tanggal 26 November 2020. Bank Authorization (OJK) No. SR-288/PB.31/2020 on November
mendapat persetujuan untuk mencatat dana hasil RKUD 26, 2020. The bank received approval to record the proceeds
milik pemerintah provinsi Banten sebesar Rp1.551.000 from the RKUD owned by the Banten provincial government
sebagai dana tambahan modal disetor. Pada tanggal 31 amounting to Rp1,551,000 as additional paid-in capital
Desember 2023 dana tambahan modal tersebut telah funds. As of December 31, 2023, the additional capital funds
direklasifikasi pada modal saham. have been reclassified to share capital.
Akun ini merupakan agio saham sehubungan dengan This account represents additional paid-in capital in
penawaran umum pada tahun 2001, 2012, 2016 dan 2022 connection with public offering in 2001, 2012, 2016 and
setelah dikurangi biaya emisi saham dan dana setoran modal 2022 after deducting share issuance and capital
dengan perincian sebagai berikut: contribution funds costs as follows:
2025 2024
Perbedaan antara harga penawaran Difference between the
saham dengan nilai offering price with
nominal per saham par value per share
Tahun 2001 11.100 11.100 Year 2001
Tahun 2012 29.932 29.932 Year 2012
Tahun 2016 18.674 18.674 Year 2016
Tahun 2021 216.759 216.759 Year 2021
Biaya emisi saham Share issuance costs
Tahun 2001 (3.434) (3.434) Year 2001
Tahun 2010 (7.111) (7.111) Year 2010
Tahun 2011 (3.557) (3.557) Year 2011
Tahun 2012 (2.905) (2.905) Year 2012
Tahun 2016 (10.203) (10.203) Year 2016
Tahun 2020 (4.213) (4.213) Year 2020
Tahun 2021 (3.567) (3.567) Year 2021
Dana setoran modal capital contribution funds
Tahun 2025 139.569 - Year 2025
381.044 241.475
Berdasarkan Surat Peraturan Daerah Provinsi Banten No 4 Based on Banten Provincial Regulation Letter No. 4 of 2025
tahun 2025 tentang Penyertaan Modal Daerah kedalam concerning Regional Capital Participation into the Limited
Perseroan Terbatas Bank Pembangunan Daerah Banten Liability Company of the Banten Regional Development
(Perseroda Terbuka) tanggal 30 Desember 2025. Pemerintah Bank (Perseroda Terbuka) dated December 30, 2025. The
daerah melakukan penyertaan modal daerah ke dalam regional government made regional capital participation in
bentuk barang milik daerah berupa tanah dan bangunan the form of regional property in the form of land and
sebesar Rp 139.569.320.000 (nilai penuh). (Catatan 13) buildings amounting to Rp 139,569,320,000 (full value).
(Note 13).
24. PENDAPATAN BUNGA 24. INTEREST INCOME
Akun ini terdiri dari: This account consists of:
2025 2024
Kredit 449.070 384.325 Loans
Efek-efek 66.924 63.370 Securities
Efek Reverse Repo 35.673 27.863 Reverse Repo Securities
Penempatan pada Bank Indonesia 15.293 13.034 Placement with Bank Indonesia
dan bank lain and other banks
Giro pada Bank Indonesia 3.535 3.212 Current account with Bank Indonesia
dan bank lain and other banks
570.495 491.804
Pendapatan bunga dari efek-efek berasal dari obligasi Interest income from securities comes from government
pemerintah, Sertifikat Bank Indonesia dan Sertifikat bonds, Certificate of Bank Indonesia and Deposits
Deposito Bank Indonesia. Certificates of Bank Indonesia.
- 69 -
Page 519
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
25. BEBAN BUNGA 25. INTEREST EXPENSE
Akun ini terdiri dari: This account consists of:
2025 2024
Simpanan dari nasabah Deposits from customers
Deposito berjangka 284.546 227.366 Time deposits
Tabungan 6.108 4.789 Saving
Giro 28.714 25.631 Demand deposits
Simpanan dari bank lain 52.435 43.991 Deposits from other banks
Liabilitas atas efek-efek yang dijual - 665 Securities sold under
dengan janji dibeli kembali repurchase agreement
371.804 302.443
26. PENDAPATAN ADMINISTRASI 26. ADMINISTRATIVE INCOME
Akun ini terdiri dari: This account consists of:
2025 2024
Administrasi kredit 21.663 17.452 Loan administration
Denda dan pinalti 9.405 6.903 Late payment and penalties
Lain-lain 45.280 18.798 Others
76.348 43.153
27. KERUGIAN PENURUNAN NILAI 27. IMPAIRMENT LOSSES
Akun ini terdiri dari: This account consists of:
2025 2024
Aset keuangan Financial assets
Penyisihan (Pemulihan) kerugian (63.020) (122.113) Provision (Recovery) for impairment
penurunan nilai kredit (Catatan 10j) losses Loans (Note 10j)
Penyisihan (Pemulihan) kerugian (63.020) (122.113) Provision(Recovery) of impairment
penurunan nilai aset keuangan losses on financial assets
28. BEBAN UMUM DAN ADMINISTRASI 28. GENERAL AND ADMINISTRATIVE EXPENSES
Akun ini terdiri dari: This account consists of:
2025 2024
Sewa 17.271 23.535 Operating lease
Jasa tenaga kerja 16.031 19.767 Outsourcing
Penyusutan (Catatan 13) 10.161 13.744 Depreciation (Note 13)
Honorium tenaga ahli 9.984 16.804 Professional fees
Iklan promosi dan pemasaran 8.477 6.621 Advertising, promotion and marketing
Amortisasi aset takberwujud (Catatan 15) 7.116 3.488 Amortization of intangible assets (Note 15)
Transportasi dan perjalanan dinas 5.821 5.725 Transportation and traveling
Perlengkapan kantor 5.246 4.438 Office supplies
Listrik air dan gas 3.857 3.855 Electricity, water and gas
Penagihan kredit 3.219 7.827 Loan collection
Komunikasi 2.821 8.710 Telecommunication
Iuran dan administrasi 1.520 5.925 Administration and Contribution
Perbaikan dan pemeliharaan 1.091 1.875 Repair and maintenance
Amortisasi asuransi kredit (Catatan 12) 1.009 1.014 Amortization credit insurance (Note 12)
Pajak dan perizinan 421 398 Taxes and licenses
Premi penjaminan pemerintah (catatan 39b) - 10.065 Government guarantee premium (Note 39b)
Lain-lain 64.725 9.647 Others
158.769 143.437
- 70 -
Page 520
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
29. BEBAN TENAGA KERJA DAN TUNJANGAN 29. PERSONAL EXPENSES
Akun ini terdiri dari: This account consists of:
2025 2024
Gaji dan Upah 99.127 91.133 Salaries and wages
Kesejahteraan karyawan 23.315 29.865 Social security cost
Imbalan pasca kerja (catatan 32) 5.582 5.009 Post-employment benefit (Note 32)
Pelatihan 1.645 1.666 Training
Biaya tenaga kerja lainnya - 288 Other labor cost
Jumlah 129.669 127.961
Perincian gaji dan tunjangan atas dewan komisaris, direksi The details of salaries and allowances of commisioners,
dan komite audit adalah sebagai berikut: directors and audit committee are as follows:
2025
Jumlah/ Gaji/ Tunjangan/ Jumlah/
Total Salaries Allowance Total
Dewan Komisaris 3 2.063 495 2.561 Board of commissioners
Direksi 4 4.488 1.028 5.520 Directors
Komite Audit 2 413 35 450 Audit committee
9 6.964 1.558 8.531
2024
Jumlah/ Gaji/ Tunjangan/ Jumlah/
Total Salaries Allowance Total
Dewan Komisaris 3 1.976 372 2.351 Board of commissioners
Direksi 4 4.488 1.028 5.520 Directors
Komite Audit 2 456 38 496 Audit committee
9 6.920 1.438 8.367
Bank belum dapat merealisasi kewajiban pendanaan The Bank has not been able to realize the obligation for
pendidikan dan pelatihan sebesar 5% dari biaya sumber daya education and training expense by 5% of prior year’s human
manusia tahun sebelumnya dikarenakan Bank menyesuaikan resources expense since the Bank adjusted the education
anggaran pendidikan dengan situasi dan kondisi Bank secara budget based on the overall current situation and condition
keseluruhan. of the Bank.
30. PENDAPATAN (BEBAN) NON OPERASIONAL – 30. NON-OPERATING INCOME (EXPENSE) – NET
BERSIH
Akun ini terdiri dari: This account consists of:
2025 2024
Denda (19) (85) Penalties
Amortisasi biaya yang ditangguhkan (2.701) (10.000) Amortization of deferred costs (Note 16)
(Catatan 16)
Lain-lain (334) (11.070) Others
(3.054) (21.156)
- 71 -
Page 521
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
31. PAJAK PENGHASILAN 31. INCOME TAX
Akun ini terdiri dari: This account consists of:
a. Bank mengalami rugi fiskal untuk periode dan tahun a. The Bank is in tax loss position for the periods amd
yang berakhir pada tanggal 31 Desember 2025 dan years ended December 31, 2025 and 2024.
2024.
b. Pajak kini b. Current tax
Rekonsiliasi antara rugi sebelum pajak menurut A reconciliation between loss before tax per
laporan laba rugi dan penghasilan komprehensif lain statements of profit or loss and other comprehensive
dengan rugi fiskal adalah sebagai berikut: income and tax loss is as follows:
2025 2024
Laba sebelum pajak menurut 56.472 74.997 Gain before tax per
laporan laba rugi statements of profit or loss
Perbedaan temporer: Temporary differences:
Penyusutan aset tetap (42) (293) Depreciation of fixed assets
Penyisihan kerugian (19.485) 8.394 Allowance for impairment
penurunan nilai losses
Amortisasi perangkat lunak 5 (468) Software amortization
Cadangan imbalan pasca 1.568 2.387 Provision for post
kerja - bersih employment benefits-net
Bersih (17.953) 10.018 Net
Perbedaan tetap: Permanent differences:
Beban yang tidak boleh (3.753) (987) Non deductible expenses-Net
dikurangkan - bersih
Bersih (3.753) (987) Net
Laba fiskal periode berjalan 42.273 86.003 Fiscal gain for the period
Ditambah akumulasi rugi fiskal (760.722) (932.865) Add accumulated fiscal loss
tahun sebelumnya from previous year
Rugi fiskal yang tidak dapat 483.581 86.140 Less expired fiscal loss
diperhitungkan lagi
Akumulasi rugi fiskal (234.869) (760.722) Accumulated tax losses at
akhir periode the end of period
Menurut peraturan perpajakan, rugi fiskal dapat In accordance with Indonesia tax regulations, tax
dikompensasikan dengan laba fiskal pada masa loss can be offset against the taxable income
lima tahun mendatang sejak terjadinya kerugian immediately within a period of five years after the
fiskal. Akumulasi rugi fiskal sebesar Rp234.869 dan tax loss had incurred. The tax loss amounting to
Rp760.722 masing-masing untuk tahun yang berakhir Rp234,869 and Rp760,722 for the year ended
pada tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024, respectively.
- 72 -
Page 522
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
31. PAJAK PENGHASILAN (lanjutan) 31. INCOME TAX (continued)
b. Pajak kini (lanjutan) b. Current tax (continued
Dikreditkan (dibebankan)/
Credited (charged) to
Penghasilan
31 Desember/ komprehensif lain/
December 31, Laba rugi/ Other comprehensive Penyesuaian/ 31 Desember/
2024 Profit or loss income Adjusment December 31, 2025
Rugi fiskal 167.359 - - (115.688) 51.671 Fiscal loss
Akumulasi penyusutan 5.460 (9) - - 5.451 Accumulated depreciation
aset tetap of fixed asset
Amortisasi perangkat 835 1 - - 836 Accumulated amortization of
lunak intagible asset
Penyisihan kerugian 167.608 (4.287) - - 163.321 Provision of impairment losses
penurunan nilai
Keuntungan efek-efek 1.981 - (478) - 1.503 Unrealied gain on available
yang belum direalisasi for sale securities
Liabilitas imbalan 6.997 345 726 - 8.068 Post-employment benefit liability
pasca kerja
350.240 (3.950) 248 (115.688) 230.850
Dikreditkan (dibebankan)/
Credited (charged) to
Penghasilan
31 Desember/ komprehensif lain/
December 31, Laba rugi/ Other comprehensive 31 Desember/
2023 Profit or loss income December 31, 2024
Rugi fiskal 205.230 (37.871) - 167.359 Fiscal loss
Akumulasi penyusutan 5.525 (65) - 5.460 Accumulated depreciation
aset tetap of fixed asset
Amortisasi perangkat 938 (103) - 835 Accumulated amortization of
lunak intagible asset
Penyisihan kerugian 165.761 1.847 - 167.608 Provision of impairment losses
penurunan nilai
Keuntungan efek-efek 502 - 1.479 1.981 Unrealied gain on available
yang belum direalisasi for sale securities
Liabilitas imbalan 6.125 525 347 6.997 Post-employment benefit liability
pasca kerja
384.081 (35.667) 1.827 350.240
c. Pajak Tangguhan c. Deferred Tax
Manajemen berpendapat bahwa terdapat kemungkinan Management believes that it is probable that future
besar bahwa jumlah laba fiskal pada masa mendatang taxable profit will be available against which the
akan memadai untuk mengkompensasi perbedaan temporary differences, which results in deferred tax
temporer yang menimbulkan aset pajak tangguhan assets, can be utilized.
tersebut.
d. Rekonsiliasi antara manfaat pajak dan hasil perkalian d. A reconciliation between the total tax benefit and the
rugi akuntansi sebelum pajak Bank dengan tarif pajak amounts computed by applying the effective tax rates to
yang berlaku adalah sebagai berikut: loss before tax is as follow:
2025 2024
Laba sebelum pajak penghasilan 56.472 74.997 Gain before income tax
Manfaat pajak berdasarkan tarif 12.424 16.499 Income tax benefit based on prevailing
pajak yang berlaku tax rates
Pengaruh pajak: Tax effects of:
Perbedaan tetap 826 217 Permanent differences
Pajak tangguhan yang tidak dapat diakui 106.388 18.951 Recognized deffered taxes
Penyesuaian (115.688) - Adjusment
Manfaat (Beban) pajak penghasilan 3.950 35.667 Income (Expenses) tax benefit
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Page 523
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
31. PAJAK PENGHASILAN (lanjutan) 31. INCOME TAX (continued)
Pada tanggal 18 Mei 2020, pemerintah menerbitkan UU On May 18, 2020, the government issued Law No.2 of 2020,
No.2 tahun 2020, yang menetapkan Peraturan Pemerintah which stipulates the Government Regulation in lieu of the
Pengganti Undang - Undang Republik Indonesia (Perppu) Law of the Republic of Indonesia (Perppu) No.1 of 2020 into
No.1 tahun 2020 menjadi Undang - Undang yang antara lain Law which, among other things, reduces the corporate
menurunkan tarif pajak penghasilan badan dari sebelumnya income tax rate from the previous 25%. to 22% for fiscal
sebesar 25% menjadi 22% untuk tahun fiskal 2020 dan years 2020 and 2021, and to 20% since fiscal year 2022.
2021, serta menjadi 20% sejak tahun fiskal 2022.
32. LIABILITAS IMBALAN PASCA – KERJA 32. POST-EMPLOYMENT BENEFITS LIABILITIES
Pada tanggal 31 Desember 2025 dan 2024 Bank menghitung As of December 31, 2025 and 2024 The Bank calculated and
dan mencatat imbalan pasca-kerja tanpa pendanaan khusus recorded unfunded defined post-employment benefits to its
untuk karyawan yang berhak menurut Undang-Undang qualified employees in accordance with Copy Right Law No.
Cipta Kerja No. 11 Tahun 2020 berdasarkan perhitungan 11 Year 2020 based on actuarial calculations independent
aktuaria independen. Berikut ini laporan aktuaria independen actuaries. The following independent actuarial report is:
yaitu:
No./ Periode/ Aktuaria Independen/ Tanggal Laporan/
No. Period Independent Actuaries Date of Report
1. 31 Desember/December 31, 2025 KKA Azwir Arifin & Rekan 07 Januari/January 07, 2026
2. 31 Desember/December 31, 2024 KKA Azwir Arifin & Rekan 16 Januari/January 16, 2025
3. 31 Desember/December 31, 2023 KKA Azwir Arifin & Rekan 08 Januari/January 08, 2024
Rincian liabilitas imbalan pasca-kerja yang diakui dalam The detail of defined post-employment benefit obligation is
laporan posisi keuangan adalah sebagai berikut: as follows:
2025 2024
Nilai kini kewajiban imbalan pasti 36.678 31.811 Present value of defined benefit obligation
Liabilitas imbalan pasca-kerja 36.678 31.811 Post-employment benefit liabilities
Beban imbalan pasca-kerja yang diakui pada laporan laba The post-employment benefits expense recognized in the
rugi dan penghasilan komprehensif lain adalah sebagai statements of profit or loss and other comprehensive income
berikut: are as follows:
2025 2024
Laba rugi Profit loss
Beban jasa kini 3.437 3.184 Current service cost
Beban bunga 2.145 1.826 Interest cost
5.582 5.009
Penghasilan komprehensif lainnya Other comprehensive income
Kerugian (Keuntungan) aktuaria 3.299 1.583 Actuarial (Gain) loss
3.299 1.583
Rekonsiliasi nilai kini liabilitas imbalan pasti pada tanggal Reconciliation of present value of defined benefit liabilities
31 Desember 2025 dan 2024 adalah sebagai berikut: as of December 31, 2025 and 2024 are as follows:
2025 2024
Nilai kini liabilitas awal tahun 31.811 27.841 Actual present value of liability at
beginning of year
Beban jasa kini 3.437 3.184 Current service cost
Beban bunga 2.145 1.826 Interest cost
5.582 5.009
Kerugian/ (Keuntungan) aktuaria 3.299 1.583 Actuarial loss
Imbalan kerja yang dibayar perusahaan (4.014) (2.623) Employment benefit paid by company
Nilai kini liabilitas imbalan pasti akhir 36.678 31.811 Ending balance of present value of
Tahun defined benefit liabilities
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Page 524
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
32. LIABILITAS IMBALAN PASCA – KERJA (lanjutan) 32. POST-EMPLOYMENT BENEFITS LIABILITIES
(continued)
Jumlah nilai kini imbalan pasti untuk tahun yang berakhir Present value of defined benefit liability for the year ended
pada tanggal 31 Desember 2025, dan 2 tahun sebelumnya December 31, 2024 and for the 2 previous years are as
adalah sebagai berikut: follows:
2025 2024 2023
Nilai kini liabilitas 36.678 31.811 27.841 Present value of liabilities
Asumsi utama yang digunakan untuk menghitung imbalan The principal assumptions used in the valuation of the
pasti pasca-kerja adalah sebagai berikut: defined post-employment benefits are as follows:
2025 2024
Umur pensiun normal 56 tahun/ years 56 tahun/ years Normal retirement age
Tingkat kenaikan gaji 1,50% per tahun /annum 1,50% per tahun /annum Salary increase rate
Tingkat diskonto 4,89 - 7,12% per tahun/annum 6,88 - 7,13% per tahun/annum Discount rate
Tingkat Pengunduran Diri Tingkat pengunduran diri khusus Tingkat pengunduran diri khusus Resignation rate
untuk karyawan account officer untuk karyawan account officer
diasumsikan sebesar 20% per tahun/ diasumsikan sebesar 20% per tahun/
Withdrawal resignation rate for account Withdrawal resignation rate for account
officer staff assumed up to 20% per annum officer staff assumed up to 20% per annum
Tingkat mortalita TMI IV 2019 TMI IV 2019 Mortality rate
33. LABA PER SAHAM DASAR DAN DILUSIAN 33. BASIC GAIN PER SHARE AND DILUTED
Perhitungan rugi per saham dasar dan dilusian adalah The calculation of basic loss per share and diluted are as
sebagai berikut: follows:
2025 2024
Laba bersih untuk perhitungan 52.522 39.330 Net Gain for computation
rugi per saham dasar dan dilusian of basic and diluted loss per share
Jumlah rata-rata tertimbang saham biasa Weighted average number of ordinary
untuk perhitungan rugi per saham dasar 51.870.438.266 51.870.438.266 shares for computation of basic and
dan dilusian diluted loss per share
Laba Per saham dasar dan 1,01 0,75 Basic Gain per share and
dilusian (nilai penuh) diluted (full amount)
34. TRANSAKSI PIHAK-PIHAK BERELASI 34. RELATED PARTIES TRANSACTION
Berdasarkan Peraturan Bank Indonesia No. 7/3/PBI/2005 Based on Bank Indonesia Regulation No. 7/3/PBI/2005
tanggal 20 Januari 2005 yang diubah dengan Peraturan Bank dated January 20, 2005, as amended by Bank Indonesia
Indonesia No. 8/13/PBI/2006 tanggal 5 Oktober 2006 Regulation No. 8/13/PBI/2006 dated October 5, 2006
tentang Batas Maksimum Pemberian Kredit Bank Umum, concerning the Legal Lending Limit for Commercial Banks,
pihak-pihak berelasi adalah perseorangan atau related parties are individuals and companies who have
perusahaan/badan yang mempunyai hubungan pengendalian controlling relationship with the Bank, either direct or
dengan Bank, baik secara langsung maupun tidak langsung, indirect, through ownership, management and finance.
melalui hubungan kepemilikan, kepengurusan, dan atau
keuangan.
Sifat Hubungan Pihak-pihak Berelasi Nature of Related Parties Relationship
Sifat hubungan dengan pihak-pihak berelasi dan The nature of relationship with related parties and
transaksinya adalah sebagai berikut: transactions are as follows:
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Page 525
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
34. TRANSAKSI PIHAK-PIHAK BERELASI (lanjutan) 34. RELATED PARTIES TRANSACTION (continued)
Sifat Hubungan Pihak-pihak Berelasi (lanjutan) Nature of Related Parties Relationship (continued)
Pihak Berelasi/ Sifat Hubungan/
Related parties Nature of Relationship Transaksi/Transaction
Pemerintah Provinsi Banten Pemegang Saham pengendali - Giro (Catatan 18)/ Demand deposit (Note 18)
Terakhir/
ultimate shareholder
PD BPR Serang Perusahaan afiliasi/ - Giro (Catatan 19) / Demand deposit (Note 19)
Affiliated company -Deposito berjangka (Catatan 19) / Time deposit (Note 19)
PT. Banten Global Development Perusahaan afiliasi / - Deposito berjangka (Catatan 18)/ Time deposit (Note 18)
Affiliated company
PT Jamkrida Banten Perusahaan afiliasi/ - Deposito berjangka (Catatan 18)/ Time deposit (Note 18)
Affiliated company
Direksi, Komisaris dan penjabat - Giro (Catatan 18) / Demand deposit (Note 18)
eksekutif/ Directors, -Tabungan (Catatan 18) / Savings (Note 18)
Pengurus /Management
Commissioners and executive -Deposito berjangka (Catatan 18) / Time deposit (Note 18)
officers -Modal saham (Catatan 22) / Share capital (Note 22)
Transaksi-transaksi dengan Pihak-pihak Berelasi Transactions with Related Parties
Transaksi dan saldo yang signifikan dengan pihak- pihak Significant transaction and balances with related parties are
berelasi adalah sebagai berikut: as follows:
2025 2024
Persentase Persentase
Terhadap jumlah Terhadap jumlah
Liabilitas/ Liabilitas/
Percentage to Percentage to
Jumlah/ Total Liabilities Jumlah/ Total Liabilities
Total (%) Total (%)
Liabilitas Liabilities
Simpanan dari nasabah 21.915 0,27% 460.399 7,88% Deposits from customers
(Catatan 18) (Note 18)
Simpanan dari bank lain 4.013 0,05% 3.297 0,06% Deposits from other bank
(Catatan 19) (Note 19)
Jumlah 25.928 0,32% 463.696 7,94% Total
2025 2024
Persentase Persentase
Terhadap jumlah Terhadap jumlah
Liabilitas/ Liabilitas/
Percentage to Percentage to
Jumlah/ Total Liabilities Jumlah/ Total Liabilities
Total (%) Total (%)
Beban Bunga 291 0,08% 3.215 0,06% Interest expense
Penempatan dana dari pihak berelasi dalam bentuk simpanan Placement of funds from related parties in the form of
(Catatan 19) deposits (Note 19)
Giro Demand Deposits
Pada tanggal 31 Desember 2025 dan 2024, persentase On December 31, 2025 and 2024, the percentage of demand
rekening giro pihak berelasi dari jumlah rekening giro deposits from related parties to the total demand deposits is
masing-masing sebesar 0,78%, dan 53,04%,. Pada tanggal 0.78%, and 53.04% respectively. As of December 31, 2025
31 Desember 2025 dan 2024, tingkat bunga yang diberikan and 2024, interest rates are in the range of 1.80%.
adalah berkisar antara 1,80%.
Tabungan Savings
Pada tanggal 31 Desember 2025 dan 2024, persentase On December 31, 2025 and 2024, the percentage saving
tabungan pihak berelasi dari jumlah tabungan masing- from related parties to the total saving is 0.11% and 0.01%
masing sebesar 0,11% dan 0,01%. Pada tanggal respectively. As of December 31, 2025 and 2024, interest
31 Desember 2025 dan 2024, tingkat bunga yang diberikan rates are and 0% - 0,96% and 0% - 5.50% respectively.
adalah masing-masing sebesar 0% - 0,96% dan 0% -5,50%
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Page 526
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
34. TRANSAKSI PIHAK-PIHAK BERELASI (lanjutan) 34. RELATED PARTIES TRANSACTION (continued)
Transaksi-transaksi dengan Pihak-pihak Berelasi Transactions with Related Parties (continued)
(lanjutan)
Deposito Berjangka Time Deposits
Pada tanggal 31 Desember 2025 dan 2024, persentase On December 31, 2025 and 2024, the percentage saving
deposito berjangka pihak berelasi dari jumlah deposito from related parties to the total saving is 0.40% and 0.72%,
berjangka masing-masing sebesar 0,40% dan 0,72%. Pada respectively. As of December 31, 2025 and 2024, interest
tanggal 31 Desember 2025 dan 2024, tingkat bunga yang rates are in the range 2.75% - 8.00% and 2.75% - 9.25%
diberikan berkisar antara 2,75% - 8,00% dan 2,75% - 9,25% respectively.
Pihak berelasi perseorangan yang memiliki saldo simpanan Individual related parties with deposit more than Rp1,000
diatas Rp1.000 dan pihak berelasi entitas yang memiliki and entities related parties with outstanding deposits more
simpanan diatas 0,5% modal disetor adalah sebagai berikut: than 0.5% fully paid shares are as follows:
Pada tanggal 31 Desember 2025 dan 2024, tidak ada As of December 31, 2025 and 2024, there is no
kompensasi yang diberikan kepada masing-masing anggota compensations given to each members or Board of
atau kelompok Direksi, Komisaris, Pemegang Saham Utama Directors, Board of Commisioners, Major Shareholders,
yang juga sebagai karyawan, dan manajemen kunci lainnya. who are also as employees and other key management.
2025 2024
Deposito Berjangka Time Deposits
PT Jamkrida Banten 12.332 9.560 PT Jamkrida Banten
Direksi, Komisaris dan Pejabat 3.770 3.631 The Bank’s Directors, Commissioners
eksekutif bank and Executive Officers
PT Banten Global Development - 15.850 PT Banten Global Development
Tabungan Savings
Direksi, Komisaris dan pejabat 276 619 The Bank’s Directors,
eksekutif bank Commissioners and executive officers
Giro Demand Deposits
PD BPR Serang 4.013 3.297 PD BPR Serang
PT Jamkrida Banten 998 1.914 PT Jamkrida Banten
RKUD Provinsi Banten 336 429.352 RKUD Provinsi Banten
CV Aksata Jaya Consulindo 170 - CV Aksata Jaya Consulindo
PT Banten Global Development 155 428 PT Banten Global Development
PT Banten Global Pariwara 5 5 PT Banten Global Pariwara
35. KOMITMEN DAN KONTINJENSI 35. COMMITMENTS AND CONTINGENCIES
a. Bank memiliki transaksi komitmen dan kontijensi a. The Bank has commitment and contingent transactions
dengan rincian sebagai berikut: as follows:
2025 2024
KOMITMEN COMMITMENTS
Tagihan komitmen 1.719 1.719 Commitment receivables
Jumlah 1.719 1.719 Total
Liabilitas Komitmen Lainnya (22.251) (14.186) Commitment liabilities Others
Jumlah (22.251) (14.186) Total
Jumlah tagihan komitmen – bersih (20.532) (12.467) Total commitment receivables – net
2025 2024
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivables
Kredit yang hapus buku (Catatan10k) 1.929.723 1.875.257 Loans written-off (Note 10k)
Penghasilan bunga dalam penyelesaian 797.816 799.309 Past due interest income
Jumlah 2.727.539 2.674.566 Total
Liabilitas kontinjensi Contingent Liabilities
Bank garansi (26.640) (2.408) Bank guarantee
Jumlah tagihan kontinjensi – 2.700.899 2.672.158 Total contingencies receivables –
Bersih net
Pada 31 Desember 2025 dan 2024, Bank tidak As of December 31, 2025 and 2024, the Bank does not
memiliki saldo transaksi komitmen dan kontinjensi have commitment and contingent transactions with
dengan pihak berelasi. related parties.
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Page 527
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES (continued)
b. Komitmen sewa. b. Lease comitments
Bank memiliki beberapa komitmen sewa operasi untuk The Bank has entered into various operating lease
kantor-kantor cabang dengan PT Dakara Makmur. commitments for its branches’ premises with PT
Jangka waktu penyewaan berkisar antara 1 – 15 tahun Dakara Makmur. The terms of the rentals range from 1
dan dapat diperpanjang berdasarkan persetujuan kedua to 15 years and renewable upon mutual agreement of
pihak. Apabila Bank menunggak pembayaran maka both parties. If the Bank arrears the payment will be
akan dikenakan denda sebesar 1 o/oo (satu per mil) per charged with the calculation of pinalty 1 o/oo (one per
hari dihitung sejak jatuh tempo pembayaran uang sewa. mile) per day calculated from due the rent payment.
Adapun pembatasan-pembatasan lain dalam perjanjian As for other restrictions in agreement rent is the Bank
sewa tersebut diantaranya yaitu Bank memiliki hak has the right to end earlier after years of 13 from
untuk mengakhiri lebih awal setelah tahun ke-13 dari tenancy by paying the compensation to PT Dakara
masa sewa dengan membayar ganti rugi kepada Makmur and the Bank is also insuring the building and
PT Dakara Makmur dan Bank juga mengasuransikan equipment. The following are details of location
gedung serta perlengkapannya. Berikut adalah rincian building lease from PT Dakara Makmur:
lokasi gedung yang disewa dari PT Dakara Makmur:
No. Nama lokasi/ Address of location
1 KC Bandung/ Jl. Astana Anyar No. 42 – 44, Bandung
Beban sewa untuk tahun yang berakhir pada Rental expense for the year ended December 31, 2025
31 Desember 2025 dan 2024 masing-masing sebesar and 2024 amounting to Rp17,271 and Rp23,535
Rp17.271 dan Rp23.535 (Catatan 28) respectively. (Note 28)
c. Litigasi c. Litigation
Saat ini Bank mempunyai perkara-perkara yang terkait Currently, the Bank has cases associated with civil
dengan perkara perdata dan perkara sengketa case and dispute consumer case total of 11 cases, he
konsumen sejumlah 11 perkara, Bank berstatus sebagai Bank’s status as the Defendant or co-defendant.
Tergugat atau Turut Tergugat.
- 78 -
Page 528
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES (continued)
c. Litigasi (lanjutan) c. Litigation(continued)
Berikut ini rincian permasalahan hukum yang dihadapi The details legal issues encoutered by Bank with
oleh Bank dengan debitur yaitu: debtors are as follows:
1. Kasus Perdata 1. Civil Case
No. Perkara/Putusan / Nama Penggugat/ Nilai Gugatan/
No/No Status/Status
Case / Decision No. Plaintiff Name Accusation Value
1 Alvian Bertho 1.000 Sedang di lakukan Upaya Peninjauan Kembali Oleh
Bank Banten dan saudara Alivan Bertho / A judicial
No.124/Pdt.G/2020/PN.Sby/ review effort is currently underway by Bank Banten
No.124/Pdt.G/2020/PN.Sby and Alivan Bertho's brother.
2 No.5/Pdt.Eks/2022/PN.Cbi/ Bank Banten 14.061 Menunggu Perbikan Apprasial / Waiting for
No.5/Pdt.Eks/2022/PN.Cbi Appraisal Repair
3 No.19/Eks.HT/2022/PN.JKT.S Bank Banten 25.712 Akan membuat permohonan lelang eksekusi melalui
EL/No.19/Eks.HT/2022/PN.JK KPKNL / Will make an execution auction request
T.SEL through the KPKNL
4 No.5/Pdt.Eks/2022/PN.Cbi/ Bank Banten 14.061 Masih Menunggu Perbaikan/Appraisal / Still waiting
No.5/Pdt.Eks/2022/PN.Cbi for repair / Appraisal
5 No.6/Pdt.Eks/2022/PN.Cbi/ Bank Banten 35.490 Masih Menunggu Appraisal Asli / Still waiting for
No.6/Pdt.Eks/2022/PN.Cbi the original appraisal
6 No.784/Pdt.G/2023/PN. Sby/ Ibu Wastri 483 Dalam Putusan Sela Pengadilan Negeri Surabaya
No.784/Pdt.G/2023/PN. Sby mengabulkan Eksepsi Tergugat I (Bank Banten)
terkait Kewenangan Absolut, sehingga atas hal
tersebut para Penggugat mengajukan upaya hukum
lain yaitu Kasasi yang masih dalam proses dan belum
diputus / In the Interim Decision, the Surabaya
District Court granted the Exception of Defendant I
(Bank Banten) regarding Absolute Authority, so that
in this regard the Plaintiffs filed another legal
remedy, namely an appeal which is still in process
and has not been decided.
7 No.45/Pdt.G/2024/PN.Pkl/ Ibu Wastri 710 Menang dalam tingkat pertama, dan Putusan Banding
No.45/Pdt.G/2024/PN.Pkl Menguatkan Putusan Pengadilan Negeri Pekalongan,
atas hal tersebut PENGGUGAT mengajukan upaya
hukum lain yaitu Kasasi yang sedang dalam proses/
Winning at first instance, and the Appeal Decision
Confirmed the Decision of the Pekalongan District
Court, regarding this matter the PLAINTIFF filed
another legal remedy, namely an appeal which is
currently in process.
- 79 -
Page 529
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES (continued)
c. Litigasi (lanjutan) c. Litigation (continued)
1. Kasus Perdata 1. Civil Case
No. Perkara/Putusan / Nama Penggugat/ Nilai Gugatan/
No/No Status/Status
Case / Decision No. Plaintiff Name Accusation Value
8 No.31/Pdt.G/2025/PN.PKB/ Ir. Ahmad Riva'I 309 Telah dilakukan kelengkapan identitas Para Pihak
No.31/Pdt.G/2025/PN.PKB dan selanjutnya pada tanggal 30 Juli 2025 akan
dilakukan Mediasi Pertama dengan Mediator Majelis
Hakim Pengadilan Negeri Pangkalan Balai
bahwa pada tanggal 3 September 2025 PT Bank
Pembangunan Daerah Banten (Perseroda) Tbk KC
Palembang selaku Turut Tergugat telah mengupload
Jawaban/Eksepsi ke Ecourt dan agenda selanjutnya
pada tanggal 10 September 2025 Replik dari
Penggugat atas Jawaban Para Tergugat dan Turut
Tergugat;
Bahwa pada tanggal 19 November 2025 Pengadilan
Negeri Pangkalan Balai telah memutus perkara tsb
dengan Putusan sebagai berikut: Menolak Gugatan
PENGGUGAT untuk seluruhnya dan Menghukum
PENGGUGAT untuk membayar biaya perkara
sejumlah Rp. 295.000/ The identity of the Parties
has been completed and then on July 30, 2025 the
First Mediation will be conducted with the
Mediator Panel of Judges of the Pangkalan Balai
District Court that on September 3, 2025 PT Bank
Pembangunan Daerah Banten (Perseroda) Tbk KC
Palembang as Co-Defendant has uploaded the
Answer/Exception to Ecourt and the next agenda on
September 10, 2025 Reply from the Plaintiff to the
Answers of the Defendants and Co-Defendant; That
on November 19, 2025 the Pangkalan Balai
District Court has decided the case with the
following Decision: Rejecting the PLAINTIFF'S
Lawsuit in its entirety and Sentencing the
PLAINTIFF to pay court costs in the amount of Rp.
295,000,-
2. Kasus Pidana 2. Criminal Case
Nilai Kasus/Case
No/No Para Pihak / The Parties Instansi/ Agency Pokok Perkara/Subject Matter Status/Status
Value
1 Pelapor / Reporter : Bank Bareskrim Mabes Polri/ Dugaan Pemalsuan Surat Keterangan lunas 6.500 Sudah dilakukan pemanggilan para saksi dan telah
Banten Criminal Investigation dari pihak Suryadi Angga Kusuma dan dilakukan kunjungan ke Lampung, masih menunggu
Terlapor / Reported : Suryadi Unit of the Indonesian Pergantian Aset jaminan yang sebelumnya tindak lanjut dari Penyidik. / Witnesses have been
Angga Kusuma National Police mencukupi untuk agunan menjadi tidak summoned and a visit to Lampung has been made,
Headquarters . mencukupi. / Alleged falsification of still awaiting follow-up from investigators.
certificate of settlement from Suryadi Angga
Kusuma and replacement of collateral assets
that were previously sufficient for collateral
to be insufficient.
- 80 -
Page 530
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES (continued)
c. Litigasi (lanjutan) c. Litigation (continued)
Nilai Kasus/Case
No/No Para Pihak / The Parties Instansi/ Agency Pokok Perkara/Subject Matter Status/Status
Value
2 - Kejaksaan Tinggi Banten Berdasarkan surat perintah penyidikan Kepala 65.000 Sdr Satyavadin dan Sdr Rayid Samsudin Sudah
07 Juli 2022/ Kejaksaan Tinggi Banten Nomor PRINT- ditetapkan Menjadi Tersangka oleh kejaksaan Tinggi
Banten High 688/M.6/Fd.1/07.2022 Tanggal Banten. Bahwa sudah terdapat Tersangka Baru yang di
Prosecutor's Office July 07 Juli 2022, Adanya dugaan Tindak Pidana tetapkan oleh Kejaksaan Tinggi Banten , Ialah Sdr
07, 2022 . Korupsi dugaan Penyimpangan dalam Darwinis selaku Pimpinan Administrasi Kredit.
Pemberian Fasilitas Kredit Modal Kerja Bahwa agenda selanjutnya ialah pemanggilan dari
(KMK) dan Kredit Investasi (KI) Oleh Bank Pihak Notaris Liz Ambar Sari bahwa pada tanggal 04
Banten Kepada PT Harum Nusantara Makmur Oktober 2023 telah dibacakan putusan an terdakwa
pada tahun 2017. / Based on the investigation Darwinis, yang mana Sdr Darwinis di jatuhi masa
warrant of the tahanan selama 3 tahun dan denda 50 juta / Mr.
Banten High Prosecutor's Office Number Satyavadin and Mr. Rayid Samsudin have been
PRINT-688/M.6/Fd.1/07.2022 dated named as suspects by the Banten High Prosecutor's
July 7, 2022, there are allegations of Office. That there is a new suspect who has been
Corruption Crimes, Allegations of named by the Banten High Prosecutor's Office,
Irregularities in Provision of Working Capital namely Mr. Darwinis as the Head of Credit
Credit Facility (KMK) and Investment Credit Administration. That the next agenda is a summons
(KI) by Bank Banten to PT Harum Nusantara from Notary Liz Ambar Sari that on October 4, 2023,
Makmur in 2017. the verdict for the defendant Darwinis has been read,
in which Mr. Darwinis was sentenced to 3 years in
prison and a fine of 50 million.
3 Pelapor / Reporter :Bank Penggelapan setoran 13 (tiga belas) debitur 81 Pemanggilan Para Saksi /Summoning of Witnesses
Banten oleh ex karyawan AO Collection Sdr. Nurul
Terlapor / Reported : Sdr Nurul Hidayat sebesar Rp 81.000.000,- (delapan
Hidayat puluh satu juta rupiah)./ Embezzlement of
deposits from 13 (thirteen) debtors by former
AO Collection employee Mr. Nurul Hidayat
amounting to Rp. 81,000,000,- (eighty one
million rupiah).
- 81 -
Page 531
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES (continued)
c. Litigasi (lanjutan) c. Litigation (continued)
Pada umumnya perkara perdata atau sengketa Generally, civil case or dispute consumer faced by the
konsumen yang dihadapi oleh Bank dikarenakan Bank due to the Bank’s effort to do execution on goods
adanya upaya Bank untuk melakukan eksekusi atas collateral provided by Debtor or Guarantor based on
barang jaminan yang diberikan oleh Debitur atau Collateral and Debtor and Guarantor to resistance of
Penjamin berdasarkan Hak Tanggungan dan kemudian execution’s effort that has done by the Bank.
Debitur atau Penjamin melakukan perlawanan atas
upaya eksekusi yang dilakukan oleh Bank.
Perkara-perkara tersebut diatas tidak mempengaruhi That cases has not materially affected on activities and
secara material terhadap kegiatan dan kelangsungan going concern and financial state of the Bank because
usaha serta keadaan keuangan Bank karena resikonya the risk is calculated as the risk when the Bank
sudah diperhitungkan sebagai resiko ketika Bank provides a loans (loss of credit risk) and it has been
memberikan kredit (resiko kredit macet) dan sudah provided reserve based on applicable regulation.
diberikan pencadangan sesuai ketentuan yang berlaku.
Apabila gugatan dimenangkan oleh Perseroan dalam If the lawsuit won by the Company in the court, the
pengadilan maka putusan atas nilai gugatan akan decision on the value of the lawsuit will be recognized
diakui sebagai pendapatan operasional lainnya, as other operating income, and vice versa.
demikian juga sebaliknya.
36. INFORMASI SEGMEN 36. SEGMENT INFORMATION
Kegiatan Bank sepenuhnya adalah bank konvensional Bank activities are entirely conventional bank so that bank
sehingga informasi segmen Bank tidak dikelompokkan per segment information is not classified as business segments
segmen usaha hanya dikelompokkan berdasarkan segmen and is only classified by geographical segment.
geografis.
2025
DKI Jakarta/ Luar DKI Jakarta/ Jumlah/
DKI Jakarta Outside Jakarta Total
PENDAPATAN REVENUE
Pendapatan bunga 33.817 164.874 198.691 Interest income
Pendapatan lainnya 2.434 83.819 86.253 Other income
36.251 248.693 284.944
HASIL INCOME
Laba bersih 6.613 45.909 52.522 Net income
INFORMASI LAINNYA OTHER INFORMATION
ASET ASSETS
Penempatan pada Bank Indonesia Placements in Bank Indonesia
dan bank lain – bersih - 818.409 818.409 and other banks – net
Efek-efek – bersih 1.005.527 1.005.527 Securities – net
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali - 108.734 108.734 agreement to resell
Kredit – bersih 369.495 4.519.257 4.888.752 Loans – net
Aset tetap – bersih 1.311 166.697 168.008 Fixed assets – net
Aset lainnya 11.321 3.000.694 3.012.015 Other assets
Jumlah aset 382.127 9.619.318 10.001.445 Total assets
LIABILITAS LIABILITIES
Simpanan nasabah dan dari Deposits from customers and from
bank lain 1.893.088 5.800.855 7.693.943 other banks
Liabilitas Lainnya 2.716 404.630 407.346 Other liabilities
Jumlah Liabilitas 1.895.804 6.205.485 8.101.289 Total liabilities
- 82 -
Page 532
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
36. INFORMASI SEGMEN (lanjutan) 36. SEGMENT INFORMATION (continued)
2024
DKI Jakarta/ Luar DKI Jakarta/ Jumlah/
DKI Jakarta Outside Jakarta Total
PENDAPATAN REVENUE
Pendapatan bunga 42.206 449.598 491.804 Interest income
Pendapatan lainnya 6.871 49.206 56.077 Other income
49.077 498.804 547.881
HASIL INCOME
Laba bersih 107.610 (68.280) 39.330 Net income
INFORMASI LAINNYA OTHER INFORMATION
ASET ASSETS
Penempatan pada Bank Indonesia Placements in Bank Indonesia
dan bank lain – bersih - 450.583 450.583 and other banks – net
Efek-efek – bersih - 1.053.236 1.053.236 Securities – net
Kredit – bersih 432.557 3.175.083 3.607.640 Loans – net
Aset tetap – bersih 147 28.029 28.176 Fixed assets – net
Aset lainnya 12.830 2.398.650 2.411.480 Other assets
Jumlah aset 445.534 7.105.581 7.551.115 Total assets
LIABILITAS LIABILITIES
Simpanan nasabah dan dari Deposits from customers and from
bank lain 849.446 4.700.424 5.549.870 other banks
Liabilitas Lainnya 1.662 295.886 297.548 Other liabilities
Jumlah Liabilitas 851.108 4.996.310 5.847.418 Total liabilities
37. ASET KEUANGAN DAN LIABILITAS KEUANGAN 37. FINANCIAL ASSETS AND FINANCIAL LIABILITIES
Tabel dibawah ini adalah nilai tercatat dan nilai wajar atas The table below sets out the carrying values and fair values
aset keuangan dan liabilitas keuangan dalam laporan posisi of financial assets and liabilities in statements of financial
keuangan pada tanggal 31Desember 2025 dan 2024: position as of December 31, 2025 and 2024:
2025 2024
Nilai tercatat/ Nilai wajar/ Nilai tercatat/ Nilai wajar/
Carrying value Fair value Carrying value Fair value
Aset keuangan Financial assets
Pinjaman yang diberikan Loans and receivables:
dan piutang
Kas 183.498 183.498 133.328 133.328 Cash
Giro pada Bank Indonesia 731.471 731.471 456.348 456.348 Current accounts with Bank
Indonesia
Giro pada bank lain 27.190 27.190 11.513 11.513 Current accounts with other
Banks
Penempatan pada Bank Indonesia 818.409 818.409 450.583 450.583 Placements with Bank
dan bank lain Indonesia and other banks
Kredit – bersih 4.888.752 4.888.752 3.607.640 3.607.640 Loans – net
Pendapatan bunga yang masih akan 34.242 34.242 25.042 25.042 Accrued interest receivables
diterima
Aset lain-lain – bersih 968.789 968.789 624.562 624.562 Other assets – net
Tersedia untuk dijual: Available for sale:
Efek-efek 375.000 381.594 440.000 436.700 Securities
Dimiliki hingga jatuh tempo: Held to maturity:
Efek-efek 611.606 616.536 611.606 616.651 Securities
Jumlah 8.638.957 8.650.481 6.360.622 6.362.366 Total
Liabilitas keuangan Financial liabilities
Liabilitas segera 100.017 100.017 142.373 142.373 Liabilities due immediately
Simpanan dari nasabah 6.420.315 6.420.315 4.855.841 4.855.841 Deposit from customers
Simpanan dari bank lain 1.273.628 1.273.628 694.029 694.029 Deposit from other banks
Liabilitas lain-lain 257.591 257.591 119.382 119.382 Other liabilities
Jumlah 8.051.552 8.051.552 5.811.625 5.811.625 Total
- 83 -
Page 533
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
ASET KEUANGAN DAN LIABILITAS KEUANGAN FINANCIAL ASSETS AND FINANCIAL LIABILITIES
37. 37.
(lanjutan) (continued)
Nilai wajar aset keuangan dan liabilitas keuangan diukur The fair values of the above financial assets and liabilities
dengan dasar sebagai berikut: are determined based on the following:
Aset keuangan Financial assets
Nilai wajar atas aset keuangan jangka pendek (umumnya The fair values of financial asset that are short-term in
kurang dari satu tahun) seperti giro pada Bank Indonesia, nature (generally less than 1 year) such as current accounts
giro pada bank lain, penempatan pada Bank Indonesia dan in Bank Indonesia, current accounts in other banks,
bank lain, dan aset lainnya adalah sebesar nilai tercatat placements in Bank Indonesia and other banks and other
karena telah mendekati estimasi nilai wajarnya. assets represent their carrying amounts as these
approximates their fair values.
Nilai wajar atas efek-efek ditentukan dengan mengacu pada The fair values of securities are determined based on the
kuotasi harga pasar terakhir yang dipublikasikan pada latest published quoted price as of December 31, 2025 and
tanggal 31 Desember 2025 dan 2024. 2024.
Estimasi nilai wajar kredit yang diberikan (umumnya kredit The estimated fair value of credit (normally floating interest
dengan bunga mengambang) merupakan nilai kini dari bearing credit) represents the present value of estimated
estimasi arus kas masa depan yang diharapkan akan diterima future cash flows which expected to be received at
yang didiskontokan pada suku bunga pasar. Kredit yang discounted current market rate. Loans are presented net of
diberikan disajikan bersih setelah dikurangi cadangan allowance for impairment losses.
kerugian penurunan nilai.
Liabilitas keuangan Financial liabilities
Nilai wajar liabilitas keuangan jangka pendek (biasanya The fair values of financial liabilities that are short-term in
kurang dari satu tahun) seperti simpanan dari nasabah dan nature (generally less than 1 year) such as deposits from
simpanan dari bank lain dan liabilitas lainnya adalah sebesar customers and deposits from other banks, and other
nilai tercatat karena telah mendekati estimasi nilai wajarnya. liabilities represent their carrying amounts as these
approximates their fair values.
Estimasi nilai wajar simpanan tanpa jatuh tempo adalah The estimated fair value of deposits with no stated
sebesar jumlah terutang ketika utang tersebut harus segera maturity is the amount payable on demand.
dibayar pada saat ditagih.
Pengukuran nilai wajar yang diakui pada laporan posisi Fair value measurements recognized in the statements of
keuangan financial position
- Tingkat pertama pengukuran nilai wajar berasal dari - Level 1 fair value measurements are those derived
kuotasi harga (tidak disesuaikan) dalam pasar aktif untuk from quoted prices (unadjusted) in active markets for
aset dan liabilitas yang identik. identical assets or liabilities.
- Tingkat kedua pengukuran nilai wajar berasal dari - Level 2 fair value measurements are those derived from
masukan lain selain dari kuotasi harga pasar yang sudah inputs other than quoted prices included within Level
termasuk dalam tingkat pertama yang dapat diamati 1 that are observable for the asset or liability, either
untuk aset maupun liabilitas, baik secara langsung directly (i.e. as prices) or indirectly (i.e. derived from
(contohnya harga) atau tidak langsung (contohnya yang prices).
berasal dari harga).
- Tingkat ketiga pengukuran nilai wajar yang berasal dari - Level 3 fair value measurements are those derived from
teknik penilaian yang meliputi input untuk aset atau valuation techniques that include inputs for the asset or
liabilitas jika tidak berdasarkan data pasar yang dapat liability that are not based on observable market data
diamati (masukan yang tidak dapat diamati). (unobservable inputs).
38. MANAJEMEN RISIKO 38. RISK MANAGEMENT
Pada tanggal 31 Desember 2025 dan 2024, Bank memiliki As of December 31, 2025 and 2024, the Bank has securities
aset keuangan HTM yaitu efek-efek. Nilai wajar instrumen as financial assets at HTM. The fair value of this financial
keuangan ini pada tanggal 31 Desember 2025 dan 2024 instrument as of December 31, 2025 and 2024 is only in the
hanya ada di tingkat pertama sebesar Rp616.536 dan level 1 of Rp616,536 and Rp616,651, respectively.
Rp616.651
Pada tanggal 31 Desember 2025 dan 2024, Bank memiliki As of December 31, 2025 and 2024, the Bank has securities
aset keuangan AFS yaitu efek-efek. Nilai wajar instrumen as financial assets at AFS. The fair value of this financial
keuangan ini pada tanggal 31 Desember 2025 dan 2024 instrument as of December 31, 2025 and 2024 is only in the
hanya ada di tingkat pertama sebesar Rp381.594 dan level 1 of Rp381,594 and Rp436,700 respectively.
Rp436.700
- 84 -
Page 534
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Pada tanggal 31 Desember 2025 dan 2024, Bank memiliki As of December 31, 2025 and 2024, the Bank has securities
aset keuangan diperdagangkan yaitu efek-efek. Nilai wajar as financial assets at HTM. The fair value of this financial
instrumen keuangan ini pada tanggal instrument as of December 31, 2025 and 2024, is only in the
31 Desember 2025 dan 2024 hanya ada di tingkat pertama level 1 of RpNil respectively.
masing-masing sebesar RpNihil
Bank, sebagai penyedia jasa keuangan, menghadapi risiko The Bank, being in a financial service industry, is facing
dalam kegiatan operasionalnya seperti risiko kredit, risiko various inherent risks in its day-to-day business activities
pasar/suku bunga, risiko likuiditas, risiko operasional, risiko such as credit risk, market/interest rate risk, liquidity risk,
hukum, risiko kepatuhan serta risiko reputasi dan risiko operational risk, legal risk, compliance risk, reputation risk
stratejik. and strategic risk.
Dalam mengelola risiko-risiko tersebut, Bank telah In managing those risks, Bank has improved the Risk
menyempurnakan Kebijakan Manajemen Risiko, Profil Management Policy, Risk Profile and Bank Rating
Risiko dan Penilaian Tingkat Kesehatan Bank yang mengacu Assessment which refers to:
pada:
- POJK No. 4/POJK.03/2016 tentang “Penilaian Tingkat - POJK No. 4/POJK.03/2016 concerning ”Health Level
Kesehatan Bank Umum” yang dikeluarkan tanggal Assessment of Commercial Banks” released on January
27 Januari 2016 27, 2016.
- POJK No. 18/POJK.03/2016 tentang “Penerapan - POJK No. 18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum” yang dikeluarkan ”Implementation of Risk Management for Commercial
tanggal 22 Maret 2016. Banks” released on March 22, 2016.
Bank sudah menyusun Laporan Profil Risiko dan Penilaian The Bank has prepared Risk Profile Report and Bank Rating
Tingkat Kesehatan Bank sesuai ketentuan Bank Indonesia Assessment based on BI regulation since December 2011.
tersebut sejak periode Desember 2011.
Dewan Komisaris dan Direksi bertanggung jawab penuh The members of the Boards of Commissioners and Directors
atas manajemen risiko Bank. Penerapan manajemen risiko are overall responsible for the risk management of the Bank.
dilakukan melalui pembentukan struktur organisasi, Risk management implementation is carried out through
kebijakan dan prosedur, serta beberapa komite khusus establishment of organizational structure, policies and
seperti Komite Manajemen Risiko, Komite Pemantau procedures, and various committees such as Risk
Risiko, Komite Audit, Komite Aset-Liabilitas (ALCO), Management Committee, Risk Monitoring Committee, Audit
Komite Kredit, serta Komite Teknologi Informasi. Komite- Committee, Asset-Liability Committee, Credit Committee,
komite tersebut bertugas mengarahkan Bank untuk dapat and Information Technology Committee. These committees
mengidentifikasi, mengukur, memantau dan meminimalkan provide guidance to the Bank to identify, measure, monitor
risiko-risiko. and mitigate risks.
Satuan Kerja Audit Internal (SKAI) juga bertanggung jawab The Internal Audit also responsible to review the application
melakukan kaji ulang atas penerapan manajemen risiko dan of risk management and compliance of policies.
kepatuhan terhadap kebijakan.
Risiko Kredit Credit Risk
Risiko kredit adalah risiko yang terjadi akibat kegagalan Credit risk is the risk that occurs due to the failure of debtors
debitur Bank untuk membayar pokok dan bunga pinjaman. to pay principal and interest on credit. The Bank monitors
Bank memonitor risiko kredit untuk meyakinkan bahwa credit risk to ensure that the potential loss from default on
kemungkinan kerugian yang terjadi akibat gagal bayar the credit and fulfillment of contractual agreements is
debitur Bank serta pemenuhan kontrak perjanjian dapat minimized, at both on individual debtor and group of debtor.
diminimalkan, baik untuk debitur individu maupun
kelompok.
Pengelolaan eksposur risiko kredit meliputi identifikasi Exposures to credit risk is managed through risk
risiko, pengukuran risiko, pemantauan risiko, dan identification, risk measurement, risk monitoring and risk
pengendalian risiko. control.
- 85 -
Page 535
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Risiko Kredit (lanjutan) Credit Risk (continued)
a. Pemberian kredit dilakukan dengan mengutamakan a. Lending is conducted by prioritizing prudent and
prinsip hati-hati dan berkelanjutan. Kebijakan dan sustainable principle. Lending policies and procedures
prosedur pemberian kredit disusun secara sistematis are developed in a systematic and structured in order
dan terstruktur dengan tujuan untuk pengendalian to control risk. Lending is conducted within a defined
risiko. Pemberian kredit dilakukan berdasarkan pada framework specially for lending and are approved
suatu kerangka acuan khusus pemberian kredit dan and noted at the appropriate level of responsibility
disetujui serta diketahui oleh pejabat Bank yang within the Bank. Since 2011, lending approval process
berwenang. Mulai tahun 2011, proses persetujuan is added by the method of credit proposals
kredit ditambahkan dengan metode presentasi presentation by Account Officer in the presence of
proposal kredit oleh Account Officer di hadapan Branch Credit Committee.
Komite Kredit Cabang.
b. Analisa berkala atas kemampuan debitur untuk b. Regular analysis of the ability of debtors to meet
membayar pokok dan bunga pinjaman. interest and principal repayment obligations.
c. Pemantauan Batas Maksimum Pemberian Kredit c. Monitor Legal Lending Limits (LLL) as required by
(BMPK) sesuai peraturan Bank Indonesia. Pada Bank Indonesia. As of December 31, 2025 and 2024,
31 Desember 2025 dan 2024, kredit kepada pihak the loans granted to related parties and third parties
berelasi dan pihak ketiga masih dalam BMPK yang are still within the LLL required by Bank Indonesia.
ditetapkan oleh Bank Indonesia.
d. Sejalan dengan misi Bank, maka sejak tahun d. In line with the Bank’s mission, since 2017, the Bank
2017, Bank fokus pada pembiayaan konsumer. focuses on consumer financing.
e. Bank melengkapi sistem pemantauan kinerja cabang e. Bank controls the branches performance and loans
dan kualitas portofolio kredit secara nasional dan portfolio quality nationally and daily.
harian.
f. Permintaan jaminan atas kredit kepada debitur, f. Collateral requirement as an assurance from debtors
berdasarkan kriteria yang ditetapkan Bank. are based on the Bank’s criteria.
g. Pengakuan cadangan kerugian penurunan nilai untuk g. Allowance for impairment losses are recognized for
tujuan pelaporan keuangan hanya dibentuk atas financial reporting purposes only for losses that
kerugian yang terjadi pada tanggal laporan keuangan have been incurred at the date of the statements of
berdasarkan bukti obyektif atas penurunan nilai. financial position based on objective evidence of
Cadangan kerugian penurunan nilai yang tidak impairment. For those assets that have no objective
didukung dengan bukti obyektif mengenai adanya evidence, these are assessed using collective
penurunan nilai dibentuk secara kolektif berdasarkan assessment in accordance with PSAK and PAPI 2008.
PSAK dan PAPI 2008.
h. Eksposur maksimum risiko kredit tanpa h. The maximum exposure to credit risk before collateral
memperhitungkan agunan ataupun pendukung kredit or other credit enhancements relating to on-balance
lainnya yang tercatat dalam laporan posisi keuangan items and off-statement of financial position items as
maupun rekening administratif pada tanggal of December 31, 2025 and 2024 are as follows:
31 Desember 2025 dan 2024 sebagai berikut:
2025 2024
Laporan posisi keuangan On-financial position
Giro pada Bank Indonesia 731.471 456.348 Current accounts with Bank Indonesia
Giro pada bank lain 27.190 11.513 Current accounts with other banks
Penempatan pada Bank Indonesia 818.409 450.583 Placements with Bank Indonesia
dan bank lain and other banks
Efek-efek 1.005.527 1.053.236 Securities
Kredit – bersih 4.888.752 3.607.640 Loans – net
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 108.734 - agreement to resell
Pendapatan bunga yang 34.242 25.042 Accrued interest receivable
masih akan diterima
Aset lain-lain – bersih 2.387.119 1.946.754 Other assets-net
Jumlah 10.001.445 7.551.115 Total
Rekening administratif Off-financial position
Komitmen kredit yang belum Ditarik 22.251 14.186 Unused customer loan facilities
Jumlah 22.251 14.186 Total
- 86 -
Page 536
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Untuk aset laporan posisi keuangan, eksposur risiko kredit For on-statement of financial position items, the maximum
maksimal adalah berdasarkan nilai tercatat dalam laporan credit risk exposures are based on the net carrying
posisi keuangan pada tanggal 31 Desember 2025, amounts reflected in the statements of financial position as
dan 2024 dengan memperhitungkan agunan. of December 31, 2025 and 2024 considering the related
collateral.
Manajemen berkeyakinan bahwa Bank memiliki kemampuan Management believes that it has the ability to continue to
untuk mengendalikan dan mempertahankan eksposur risiko control and sustain minimal exposure of credit risk.
kredit pada tingkat yang minimal.
Konsentrasi risiko aset keuangan yang memiliki Concentration of risks of financial assets with credit risk
eksposur risiko kredit. exposure.
a. Sektor geografis a. Geographical sectors
Pada tanggal 31 Desember 2025 dan 2024, eksposur As of December 31, 2025 and 2024, the exposure to
risiko kredit atas aset keuangan dan transaksi credit risk on financial assets and commitments and
komitmen dan kontinjensi menurut sektor geografis contingencies by geographical sector based on the
berdasarkan laporan posisi keuangan dan rekening statement of financial position and administrative
administratif adalah sebagai berikut: accounts is as follows:
2025
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Lainnya/ Jumlah/
Jakarta Sumatera West Java Central Java East Java Others Total
Laporan posisi keuangan On-financial position
Giro pada Bank Indonesia - - 731.471 - - - 731.471 Current accounts in Bank Indonesia
Giro pada bank lain - - 27.166 24 - - 27.190 Current accounts in other Banks
Penempatan pada bank Indonesia Placements in bank Indonesia
dan bank lain - - 818.409 - - - 818.409 and other banks
Efek-efek - - 1.005.527 - - - 1.005.527 Securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 108.734 - - - - - 108.734 agreement to resell
Kredit – bersih 220.848 137.333 4.112.277 110.096 76.892 231.306 4.888.752 Loans – net
Pendapatan bunga yang Accrued interest receivable
masih akan diterima 1.112 1.187 28.761 797 620 1.761 34.238
Aset lain-lain – bersih 51.434 14.114 2.298.887 7.721 5.160 9.808 2.387.124 Other assets-net
Jumlah 382.128 152.634 9.022.498 118.638 82.672 242.875 10.001.445 Total
Rekening administrasi Off-financial position
Komitmen kredit yang belum ditarik 3.156 - 9.811 1.033 6.388 1.863 22.251 Unused customer loan Facilities
Jumlah 3.156 - 9.811 1.033 6.388 1.863 22.251 Total
2024
Jawa Barat/ Jawa Tengah/ Jawa Timur/ Lainnya/ Jumlah/
Jakarta Sumatera West Java Central Java East Java Others Total
Laporan posisi keuangan On-financial position
Giro pada Bank Indonesia - - 456.348 - - - 456.348 Current accounts in Bank Indonesia
Giro pada bank lain - - 11.488 25 - - 11.513 Current accounts in other Banks
Penempatan pada bank Indonesia Placements in bank Indonesia
dan bank lain - - 450.583 - - - 450.583 and other banks
Efek-efek - - 1.053.236 - - - 1.053.236 Securities
Kredit – bersih 276.072 172.293 2.654.379 141.713 91.433 271.750 3.607.640 Loans – net
Pendapatan bunga yang Accrued interest receivable
masih akan diterima 759 1.092 20.463 674 544 1.510 25.042
Aset lain-lain – bersih 168.703 14.217 1.710.374 5.954 5.607 41.898 1.946.753 Other assets-net
Jumlah 445.534 187.602 6.356.871 148.366 97.584 315.158 7.551.115 Total
Rekening administrasi Off-financial position
Komitmen kredit yang belum ditarik 2.214 - 3.272 416 6.639 1.645 14.186 Unused customer loan Facilities
Jumlah 2.214 - 3.272 416 6.639 1.645 14.186 Total
- 87 -
Page 537
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
b. Sektor industri b. Industry sectors
Pada tanggal 31 Desember 2025 dan 2024, eksposur As of December 31, 2025 and 2024, credit risk
risiko kredit atas aset keuangan dan transaksi exposure relating to financial assets and commitment
komitmen dan kontinjensi menurut sektor industri and contingent transactions by industry sector based
berdasarkan laporan posisi keuangan dan rekening on-statement of financial position and off-statement of
administratif adalah sebagai berikut: financial position items are as follows:
2025
Lembaga
keuangan/ Jasa dunia
Pemerintah/ Financial Industri/ usaha/ Pertanian/ Lainnya/ Jumlah/
Government Statement Manufacturing Services Agriculture Others Total
Laporan posisi keuangan On-financial position
Giro pada Bank Indonesia 731.471 - - - - - 731.471 Current accounts in Bank Indonesia
Giro pada bank lain - 27.190 - - - - 27.190 Current accounts in other Banks
Penempatan pada bank Indonesia Placements in bank Indonesia
dan bank lain 817.897 512 - - - - 818.409 and other banks
Efek-efek 1.005.527 - - - - - 1.005.527 Securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali - 108.734 - - - - 108.734 agreement to resell
Kredit – bersih - 819.348 4.720 62.881 4.001.803 - 4.888.752 Loans – net
Pendapatan bunga yang Accrued interest receivable
masih akan diterima - 11.682 14.602 2.862 9 5.083 34.238
Aset lain-lain – bersih - - - - - 2.387.124 2.387.124 Other assets-net
Jumlah 2.554.895 967.466 19.322 65.743 4.001.812 2.392.207 10.001.445 Total
Rekening administrasi Off-financial position
Komitmen kredit yang belum ditarik - - - - - 22.251 22.251 Unused customer loan Facilities
Jumlah - - - - - 22.251 22.251 Total
2024
Lembaga
keuangan/ Jasa dunia
Pemerintah/ Financial Industri/ usaha/ Pertanian/ Lainnya/ Jumlah/
Government Statement Manufacturing Services Agriculture Others Total
Laporan posisi keuangan On-financial position
Giro pada Bank Indonesia - - 456.348 - - - 456.348 Current accounts in Bank Indonesia
Giro pada bank lain - - 11.488 25 - - 11.513 Current accounts in other Banks
Penempatan pada bank Indonesia Placements in bank Indonesia
dan bank lain - - 450.583 - - - 450.583 and other banks
Efek-efek - - 1.053.236 1.053.236 Securities
Kredit – bersih 276.072 172.293 2.654.379 141.713 91.433 271.750 3.607.640 Loans – net
Pendapatan bunga yang Accrued interest receivable
masih akan diterima 759 1.092 20.463 674 544 1.510 25.042
Aset lain-lain – bersih 168.703 14.217 1.710.374 5.954 5.607 41.898 1.946.753 Other assets-net
Jumlah 445.534 187.602 6.356.871 148.366 97.584 315.158 7.551.115 Total
Rekening administrasi Off-financial position
Komitmen kredit yang belum ditarik - - - - - 14.186 14.186 Unused customer loan Facilities
Jumlah - - - - - 14.186 14.186 Total
- 88 -
Page 538
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Risiko Pasar/Suku Bunga Market/Interest Rate Risk
Risiko pasar merupakan risiko yang timbul karena adanya Market risk is the risk that arises because of the market
pergerakan variabel pasar dari portofolio yang dimiliki oleh variable movement of the portfolio held by the Bank, which
Bank, yang dapat merugikan Bank (adverse movement). could cause adverse movement to the Bank. Market variables
Variabel pasar adalah suku bunga dan nilai tukar, termasuk are interest rates and exchange rates, including the
derivatif dari kedua jenis risiko pasar tersebut yaitu derivative of these two types of market risk, i.e. changes in
perubahan harga options. Sebagai Bank Non Devisa, saat ini options price. As a Non Foreign Exchange Bank, now Bank
Bank hanya terekspos risiko suku bunga. is only exposed to interest rate risk.
Risiko suku bunga merupakan bagian risiko pasar bagi Bank. Interest rate risk is a part of market risk. The interest rate
Risiko suku bunga adalah potensi kerugian yang timbul risk is the potential loss arising from the movement in market
akibat pergerakan suku bunga di pasar yang berlawanan interest rates which opposite with the Bank’s transactions
dengan transaksi Bank yang mengandung risiko suku bunga. that have interest rate risk. The Bank’s transactions that
Adapun transaksi Bank yang mengandung risiko suku bunga have interest rate risk such as: customers’ deposits (time
seperti: simpanan atau dana pihak ketiga (deposito deposits, demand deposits, and savings), loans, securities
berjangka, giro dan tabungan), kredit, surat berharga dan and inter-bank placement.
penempatan antar bank.
Manajemen Bank bertanggung jawab atas penerapan dan The Bank’s management is responsible for implementing and
pengawasan kebijakan manajemen risiko suku bunga sesuai monitoring the interest risk management policies in
dengan batasan, sistem dan prosedur yang telah dibuat untuk accordance with defined limits, system procedures and policy
menghadapi risiko suku bunga ini. Tujuan utama manajemen to manage the risk of interest rate. The main objectives of
risiko suku bunga adalah untuk membatasi dampak buruk interest rate risk management are to limit the adverse effect
dari pergerakan suku bunga yang dapat mengurangi laba dan of interest rate movements to reduce profits and to enhance
untuk meningkatkan pendapatan di dalam batasan tertentu. earnings within defined parameters. A substantial portion of
Sebagian besar suku bunga atas simpanan nasabah adalah deposits from customers are entered at floating interest
suku bunga mengambang yang langsung berhubungan rates, either directly linked to market rates or based upon
dengan suku bunga pasar atau suku bunga yang diumumkan published rates, while loans are entered at fix interest rates.
secara periodik, sementara kredit adalah suku bunga tetap.
Untuk memperkecil dampak perubahan risiko suku bunga To minimize the impact of changes in interest rate risk on the
terhadap pendapatan Bank, Bank tetap menjaga rasio RSA Bank's income, the Bank continues to maintain the RSA (rate
(rate sensitivity asset) terhadap RSL (rate sensitivity sensitivity asset) to RSL (rate sensitivity liabilities) ratio so
liabilities) agar tidak terlalu jauh dari 100%. Pada posisi that it is not too far from 100%. On position December 31,
31 Desember 2025 dan 2024, rasio RSA/RSL masing- 2025 and 2024, the RSA/RSL ratio will be 102.85% and
masing sebesar 102,85% dan 108,33%Dengan rasio yang 108.33%, respectively. With a ratio that is not far from
tidak jauh dari 100% tersebut apabila terjadi perubahan suku 100%, if there are parallel changes in interest rates on assets
bunga secara paralel pada aset dan liabilitas, Bank tidak and liabilities, the Bank is not exposed to large interest rate
terekspos risiko suku bunga yang besar. Bank juga risks. The Bank also always monitors the repricing profile
senantiasa memantau repricing profile setiap for each time bucket to determine the impact of changes in
pengelompokan waktu (time bucket) untuk mengetahui interest rates on the Bank's Net Interest Income (NII) more
dampak perubahan suku bunga terhadap Net Interest Income accurately.
(NII) Bank secara lebih akurat.
Tabel dibawah ini menunjukkan repricing profile aset dan The table below showed the repricing profile of the assets
liabilitas Bank yang sensitif terhadap suku bunga dan and liabilities that were sensitive to interest rate exchange
diurutkan berdasarkan rentang waktu suku bunga tersebut arranged by its periodic repricing for floating rates and by
akan di-repricing (untuk floating rate) atau tanggal jatuh its tenor for fixed rates, as of December 31, 2025 and 2024:
temponya (untuk fixed rate), 31 Desember 2025 dan 2024:
- 89 -
Page 539
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Risiko Pasar/Suku Bunga (lanjutan) Market/Interest Rate Risk (continued)
2025
Lebih dari 5
Sampai dengan tahun/
1 bulan/ 1-3 bulan/ 3-12 bulan/ 1-5 tahun/ More than 5 Jumlah/
Up to 1 month 1-3 months 3-12 months 1-5 years years Total
Aset keuangan Financial assets
Giro pada Bank Indonesia 731.471 - - - - 731.471 Current accounts in Bank Indonesia
Giro pada bank lain 27.190 - - - - 27.190 Current accounts in other Banks
Penempatan pada bank Indonesia Placements in bank Indonesia
dan bank lain 818.409 - - - - 818.409 and other banks
Efek-efek 389.114 - - - 616.413 1.005.527 Securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 108.734 - - - - 108.734 agreement to resell
Kredit – bersih 22.500 25.645 167.957 1.402.978 3.269.672 4.888.752 Loans – net
Pendapatan bunga yang Accrued interest receivable
masih akan diterima 906 60 545 11.213 21.518 34.242
Jumlah 2.098.324 25.705 168.502 1.414.191 3.907.603 7.614.325 Total
Liabilitas keuangan Financial liabilities
Simpanan dari nasabah Deposit from customer
Giro 723.637 - - - - 723.637 Demand deposits
Tabungan 780.748 - - - - 780.748 Savings
Deposito berjangka 1.519.134 2.131.409 723.689 541.699 - 4.915.931 Time
Simpanan dari bank lain Deposits from other banks
Giro 174.546 - - - - 174.546 Demand deposits
Tabungan 20.085 - - - - 20.085 Savings
Deposito berjangka 480.342 393.350 131.255 74.050 - 1.078.997 Time deposits
Jumlah 3.698.492 2.524.759 854.944 615.749 - 7.693.944 Total
2024
Lebih dari 5
Sampai dengan tahun/
1 bulan/ 1-3 bulan/ 3-12 bulan/ 1-5 tahun/ More than 5 Jumlah/
Up to 1 month 1-3 months 3-12 months 1-5 years years Total
Aset keuangan Financial assets
Giro pada Bank Indonesia 456.348 - - - - 456.348 Current accounts in Bank Indonesia
Giro pada bank lain 11.513 - - - - 11.513 Current accounts in other Banks
Penempatan pada bank Indonesia 450.583 - - - - 450.583 Placements in bank Indonesia
dan bank lain and other banks
Efek-efek - - 298.503 - 754.733 1.053.236 Securities
Kredit – bersih 63.731 39.976 263.978 1.038.448 2.201.507 3.607.640 Loans – net
Pendapatan bunga yang Accrued interest receivable
masih akan diterima - 884 387 180 23.591 25.042
Jumlah 982.175 40.860 562.868 1.038.628 2.979.831 5.604.362 Total
Liabilitas keuangan Financial liabilities
Simpanan dari nasabah Deposit from customer
Giro 667.091 - - - - 667.091 Demand deposits
Tabungan 711.622 - - - - 711.622 Savings
Deposito berjangka 890.878 1.635.337 945.792 5.121 - 3.477.128 Time
Simpanan dari bank lain Deposits from other banks
Giro 147.095 - - - - 147.095 Demand deposits
Tabungan 13.564 - - - - 13.564 Savings
Deposito berjangka 220.758 243.106 69.505 - - 533.369 Time deposits
Jumlah 2.651.008 1.878.443 1.015.297 5.121 - 5.549.869 Total
- 90 -
Page 540
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Risiko Pasar/Suku Bunga (lanjutan) Market/Interest Rate Risk (continued)
Kisaran suku bunga atas aset dan liabilitas keuangan adalah The ranges of interest rates for financial assets and
sebagai berikut: liabilities are as follows:
2025 2024
Aset keuangan Financial assets
Giro pada Bank Indonesia 0 - 1,50% 0 - 1,50% Current accounts with Bank Indonesia
Giro pada bank lain 0 - 1,00% 0 - 1,00% Current accounts with other banks
Penempatan pada Bank Indonesia 3,75 - 4,00% 5,25 - 5,90% Placements with Bank Indonesia and
dan bank lain other banks
Efek-efek 6,125 - 8,25% 1 - 6,75% Securities
Kredit – bersih 1 - 30,00% 1 - 30,00% Loans – net
Jumlah Total
Liabilitas keuangan Financial liabilities
Simpanan dari nasabah Deposit from customer
Giro 1,81% 0 - 2,50% Demand deposits
Tabungan 0,96% 0 - 5,50% Savings
Deposito berjangka 7,07% 2 - 9,25% Time
Simpanan dari bank lain Deposits from other banks
Giro 0 - 4.5% 0 - 6,50% Demand deposits
Tabungan 0 - 3.2% 0,00 - 5,50% Savings
Inter-bank call money 2 - 4% 2 - 4,00% Inter-bank call money
Deposito berjangka 3,50 - 6, 75% 3,50 - 6, 75% Time deposits
Sensitivitas Suku Bunga Interest Rate Sensitivity
Analisis sensitivitas suku bunga diukur dengan kemampuan Interest rate sensitivity analysis is measured with capital
ekses modal Bank untuk menyerap potensi kerugian dari excess capability to cover interest rate exchange potential
perubahan suku bunga/fluktuasi suku bunga (BI rate). loss. by making an interest rate/fluctuation interest rate (BI
Berdasarkan data historis BI rate selama satu tahun terakhir, rate). Based on historical data BI rate over the past year,
fluktuasi suku bunga (standar deviasi) untuk posisi interest rate fluctuation (standard deviation) as of December
31 Desember 2025 dan 2024 masing-masing sebesar 4,75% 31, 2025 and 2024 is 4,75% and 6,0% , respectively. This
dan 6,0% . Hal ini disebabkan karena ekses modal bank yang was due to Bank’s capital excess was high enough to cover
tinggi untuk menutup perubahan suku bunga pada laporan the impact to interest rate exchange so that the Bank was
posisi keuangan sehingga Bank dinilai sangat tidak rentan assessed as not vulnerable to interest rate exchange
terhadap pergerakan suku bunga. movements.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko dimana Bank tidak dapat Liquidity risk is the risk that the Bank may unable to meet its
memenuhi liabilitasnya kepada nasabah dan pihak lawan obligations to customers and counterparties at maturity.
pada saat jatuh tempo.
Bank memantau likuiditasnya dengan menganalisa profil The Bank monitors its liquidity by analyzing its maturity
jatuh tempo dari aset dan liabilitas. profile of assets and liabilities.
- 91 -
Page 541
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
2025
Tidak
mempunyai
jatuh tempo Kurang dari 1 Lebih dari 12
kontraktual/ bulan/ bulan/
Nilai tercatat/ No contractual Less than 1 1-3 bulan/ 3-6 bulan/ 6-12 bulan/ More than 12
Carrying value maturity months 1-3 months 3-6 months 6-12 months months
Aset keuangan Financial assets
Kas 183.498 183.498 - - - - - Cash
Giro pada Bank Indonesia 731.471 731.471 - - - - - Current accounts in Bank Indonesia
Giro pada bank lain 27.190 27.190 - - - - - Current accounts in other Banks
Penempatan pada bank Indonesia Placements in bank Indonesia
dan bank lain 818.409 - 818.409 - - - - and other banks
Efek-efek 1.005.527 - - - - - 1.005.527 Securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 108.734 - 108.734 - - - - agreement to resell
Kredit – bersih 4.888.752 - 22.500 25.645 41.341 126.608 4.672.658 Loans – net
Pendapatan bunga yang 34.242 - 42 96 268 589 33.247 Accrued interest receivable
masih akan diterima
Jumlah 7.797.823 942.159 949.685 25.741 41.609 127.197 5.711.432 Total
Liabilitas keuangan Financial liabilities
Liabilitas segera 100.017 100.017 - - - - - Liabilities due immediately
Simpanan dari nasabah 6.420.315 1.504.384 1.519.134 2.131.409 723.689 539.669 2.030 Deposit from customers
Simpanan dari bank lain 1.273.628 194.631 480.342 393.350 131.255 74.050 - Deposit from other banks
Liabilitas lain-lain 257.591 257.591 - - - - - Other liabilities
Jumlah 8.051.551 2.056.623 1.999.476 2.524.759 854.944 613.719 2.030 Total
Perbedaan jatuh tempo (253.728) (1.114.464) (1.049.791) (2.499.018) (813.335) (486.522) 5.709.402 Maturity gap
2024
Tidak
mempunyai
jatuh tempo Kurang dari 1 Lebih dari 12
kontraktual/ bulan/ bulan/
Nilai tercatat/ No contractual Less than 1 1-3 bulan/ 3-6 bulan/ 6-12 bulan/ More than 12
Carrying value maturity months 1-3 months 3-6 months 6-12 months months
Aset keuangan Financial assets
Kas 133.328 133.328 - - - - - Cash
Giro pada Bank Indonesia 456.348 456.348 - - - - - Current accounts in Bank Indonesia
Giro pada bank lain 11.513 11.513 - - - - - Current accounts in other Banks
Penempatan pada bank Indonesia Placements in bank Indonesia
dan bank lain 450.583 - 450.583 - - - - and other banks
Efek-efek 1.053.236 - - - - - 1.053.236 Securities
Kredit – bersih 3.607.640 - 63.731 39.976 35.174 228.804 3.239.955 Loans – net
Pendapatan bunga yang 25.042 - 169 921 41 482 23.429 Accrued interest receivable
masih akan diterima
Jumlah 5.737.690 601.189 514.483 40.897 35.215 229.286 4.316.620 Total
Liabilitas keuangan Financial liabilities
Liabilitas segera 142.373 142.373 - - - - - Liabilities due immediately
Simpanan dari nasabah 4.855.841 1.378.716 890.878 1.635.337 779.641 166.151 5.118 Deposit from customers
Simpanan dari bank lain 694.028 160.656 220.761 243.106 17.755 51.750 - Deposit from other banks
Liabilitas lain-lain 119.382 119.382 - - - - - Other liabilities
Jumlah 5.811.624 1.801.127 1.111.639 1.878.443 797.396 217.901 5.118 Total
Perbedaan jatuh tempo (73.934) (1.199.938) (597.156) (1.837.546) (762.181) 11.385 4.311.502 Maturity gap
- 92 -
Page 542
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
Bank telah mengambil langkah-langkah untuk mengatasi The Bank undertakes actions to overcome the maturity gap
perbedaan jatuh tempo (gap) antara lain dengan cara among others by shifting short-term time deposits into time
menggeser deposito jangka pendek menjadi deposito dengan deposits with longer period using commitment pattern. In
jangka waktu yang lebih panjang yaitu dengan pola addition, the Bank has been managing the pattern of
komitmen. Disamping itu, Bank telah mengelola pola withdrawals of customer deposits.
penarikan simpanan nasabah.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko timbulnya kerugian akibat Operational risk is the risk arising from losses as a result of
sistem dan pengendalian yang tidak memadai, kesalahan inadequate systems and controls, human error or
manusia atau kegagalan pengendalian manajemen, termasuk management failure, includes the threat of natural disasters,
bencana alam, kegagalan sistem, risiko pengelolaan dana, systems failure, funds management risk, custodian
risiko operasi kustodian dan kecurangan (fraud). operations risk dan fraud.
Kerangka kerja dibentuk untuk memastikan adanya A framework is in place to ensure operational risk is
identifikasi dan pengendalian terhadap risiko operasional, identified and controlled. This includes a variety of controls
termasuk pengendalian melalui kebijakan dan prosedur including formal policies and standard procedures, business
standar, praktik usaha serta pengawasan kepatuhan. practices and compliance monitoring. These controls are
Pengendalian tersebut akan terus ditinjau kembali dan subject for regular reviews and updates.
disempurnakan secara berkala.
Risiko Hukum Legal Risk
Risiko hukum dapat bersumber antara lain dari kelemahan Legal risk may arise due to the weakness of juridical aspects
aspek yuridis yang disebabkan oleh lemahnya perikatan yang caused by lack of agreement made by the Bank. Absence
dilakukan oleh Bank. Ketiadaan dan/atau perubahan and/or changes in regulation which led to a transaction
peraturan perundang-undangan yang menyebabkan suatu conducted by the Bank to be not in accordance with the
transaksi yang telah dilakukan Bank menjadi tidak sesuai regulation and the litigation process arising from third-
dengan ketentuan yang akan ada dan adanya proses litigasi party lawsuit against the Bank and the Bank against third
baik yang timbul dari gugatan pihak ketiga terhadap Bank party.
maupun Bank terhadap pihak ketiga.
Bank selalu melakukan penilaian terhadap segala jenis Bank always make an assessment of any kind of agreement
perjanjian yang dilakukan Bank, baik dengan nasabah involving the Bank, both with customers and with third
maupun dengan pihak ketiga sebelum perjanjian tersebut parties before the agreement is implemented.
digunakan.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan adalah risiko yang disebabkan Bank tidak Compliance risk is the risk that may arise due to the non-
mematuhi atau tidak melaksanakan peraturan dan perundang- compliance by the Bank with prevailing regulations and
undangan yang berlaku. Pada prakteknya risiko kepatuhan laws. In practice, compliance risks are inherent with the
melekat pada Bank, seperti terkait dengan ketentuan Bank’s risks. such as to comply with Minimum Reverse
Kewajiban Penyediaan Modal Minimum (KPMM) Bank Requirement, Quality of Earning Assets, Allowance for
Umum. Kualitas Aset Produktif, Cadangan Kerugian Impairment Loss, Legal Lending Limit and other risk that
Penurunan Nilai (CKPN), Batas Maksimum Pemberian may arise relating to certain regulations.
Kredit (BMPK) dan risiko lain yang terkait dengan ketentuan
Risiko reputasi adalah risiko yang antara lain disebabkan Reputation risks are risks which are caused by among others
oleh adanya publikasi negatif yang terkait dengan kegiatan negative publication of the Bank’s business or negative
usaha Bank atau persepsi negatif terhadap Bank. perception of the Bank itself.
Reputasi berkaitan erat dengan kepercayaan. Tanpa reputasi, Reputation is closely related with trust. Without reputation,
maka kepercayaan tidak akan ada karena reputasi merupakan there will be no trust since reputation is a crucial component
komponen yang sangat penting dalam industri perbankan. in a banking industry. Reputation is one of the Bank’s
Reputasi merupakan salah satu aset Bank yang terpenting, precious assets, nonetheless it is also the most difficult to
namun justru paling sulit untuk dilindungi. Reputasi dapat guard. Reputation can be a competitive advantage. but also
menjadi suatu keunggulan kompetitif, namun berpotensi potential to be damaged due to development of news and
untuk rusak terutama karena perkembangan media dan communication, more tightened regulations and declining in
komunikasi, regulasi yang makin ketat, juga loyalitas customers’ loyalty.
nasabah yang menurun.
- 93 -
Page 543
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Risiko Kepatuhan (lanjutan) Compliance Risk (continued)
Penilaian risiko reputasi meliputi risiko inheren dan kualitas Reputational risk assessment includes inherent risk and
penerapan manajemen risiko. Risiko inheren terdiri dari quality of risk management implementation. Inherent risk
pengaruh reputasi dari pemilik Bank dan perusahaan terkait. consists of the influence of the reputation of the Bank’s
pelanggaran etika bisnis, kompleksitas produk dan kerjasama owner and related companies, violation of business ethics.
bisnis Bank, frekuensi dan materialitas eksposur pemberitaan the complexity of the Bank's products and business
negatif Bank, serta frekuensi dan materialitas keluhan cooperation, materiality and frequency of the Bank’s
nasabah. negative news, and the materiality and the frequency of
customer complaints.
Risiko Strategi Strategic Risk
Risiko strategi adalah risiko yang antara lain disebabkan Strategic risks are risks which are caused by among others
adanya penetapan dan pelaksanaan strategi Bank yang tidak inappropriate or less responsive in application of the Bank’s
tepat atau pengambilan keputusan bisnis yang tidak tepat. strategy and making business decisions.
Penilaian risiko strategi meliputi risiko inheren dan kualitas Strategic risk assessment includes inherent risk and quality
penerapan manajemen risiko. Risiko inheren terdiri dari of risk management implementation. Inherent risk consists of
kesesuaian strategi dengan kondisi lingkungan bisnis, compliance of strategy with the business environment, high
strategi berisiko tinggi dan strategi berisiko rendah, posisi risk and low-risk strategy, the Bank's business positioning,
bisnis Bank, dan pencapaian rencana bisnis Bank. and the achievement of the Bank's business plan.
Pengelolaan Modal Capital Management
Peraturan Permodalan Regulatory Capital
Bank Indonesia (BI) menetapkan dan memonitor ketentuan Bank Indonesia (BI) establishes and monitors the terms and
dan persyaratan modal untuk Bank sebagai entitas individu. conditions for the Bank's capital as an individual entity.
Bank diharuskan untuk mematuhi peraturan BI sebagai Banks are required to comply with regulatory capital of BI
badan pengawas modal. as a supervisory board.
Bank menggunakan pendekatan Model Standar untuk The Bank is using the Standard Model approach for
mengukur risiko kredit, sedangkan untuk risiko operasional measuring credit risk, while for operational risk is measured
menggunakan pendekatan Indikator Dasar. using the Basic Indicator approach.
Perhitungan modal bank umum sesuai dengan peraturan The calculation of capital for commercial banks is in
Bank Indonesia dikelompokkan menjadi modal inti (tier 1), accordance with the Bank Indonesia regulation which are
modal pelengkap (tier 2), dan modal pelengkap tambahan grouped into core capital (tier 1), supplementary capital
(tier 3). (tier 2), and additional supplementary capital (tier 3).
Modal Inti (tier 1) Core Capital (tier 1)
Bank wajib menyediakan modal inti (tier 1), paling kurang Banks are required to provide the core capital (tier 1), at
6% (lima persen) dari aset tertimbang menurut risiko least 6% (five percent) of risk weighted assets (RWA), and
(ATMR), dan modal inti utama paling kurang 4,5% dari common equity tier 1 at least 4.5% of RWA.
ATMR.
Modal inti terdiri dari: Core capital consists of:
a. Modal inti utama, yang mencakup a. Common equity tier 1, includes:
- Modal disetor - Paid in capital
- Cadangan tambahan modal - Disclosed reserve
b. Modal inti tambahan b. Additional tier 1
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Page 544
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Pengelolaan Modal (lanjutan) Capital Management (continued)
Peraturan Permodalan (lanjutan) Regulatory Capital (continud)
Modal Pelengkap (tier 2) Supplementary Capital (tier 2)
Modal pelengkap (tier 2) meliputi: Supplementary capital shall include:
a. Instrumen modal dalam bentuk saham atau instrumen a. Capital instruments in the form of shares or other
modal lainnya equity instruments
b. Agio atau disagio yang berasal dari penerbitan b. Addition paid in capital derived from the issuance of
instrumen modal yang tergolong sebagai modal capital instruments classified as supplementary
pelengkap capital
c. Cadangan umum penyisihan penghapusan atas aset c. Common reserve allowance for earning assets which
produktif yang wajib dibentuk shall be established
Berbagai batasan diterapkan untuk unsur-unsur dari modal Various limits are applied to elements of the capital base.
dasar. Pengaruh pajak tangguhan telah dikecualikan dalam The effect of deferred taxation has been excluded in
menentukan jumlah laba ditahan untuk modal tier 1, hanya determining the amount of retained earnings for tier 1
50 persen dari laba tahun berjalan sebelum pajak tangguhan capital, only 50 percent of the profit for the year before
yang termasuk dalam modal tier 1 dan kualifikasi modal deferred taxation being included in tier 1 capital; and
tingkat 2 tidak dapat melebihi modal tier 1. Ada juga qualifying tier 2 capital cannot exceed tier 1 capital. There
pembatasan pada jumlah cadangan penurunan kolektif yang are also restrictions on the amount of collective impairment
dapat dimasukkan sebagai bagian dari modal tier 2. allowances that may be included as part of tier 2 capital.
Operasional/aktivitas perbankan dikategorikan sebagai Banking operations are categorized as either trading book
pembukuan perdagangan (trading book) atau pembukuan or banking book, and RWA are determined according to
perbankan (banking book) dan ATMR yang ditentukan specified requirements that reflect the varying levels of risk
sesuai dengan persyaratan yang ditetapkan yang attached to assets and exposures that were not recognized in
mencerminkan berbagai tingkat risiko yang melekat pada the statements of financial position. As noted above. risk
aset dan eksposur yang tidak diakui dalam laporan posisi weighted asset in respect of operational risk is included in
keuangan. Seperti disebutkan di atas, aset tertimbang the measurement.
menurut risiko memperhitungkan risiko operasional.
Alokasi modal antara kegiatan operasional dan kegiatan The allocation of capital between operation and specific
khusus, untuk pengembangan usaha didorong oleh activities is, to a large extent. driven by optimization of the
optimalisasi pengembalian yang dicapai pada modal yang return achieved on the capital allocated. The amount of
dialokasikan. Jumlah modal yang dialokasikan untuk setiap capital allocated to each operation or activity is based
operasi atau kegiatan didasarkan terutama pada peraturan primarily upon the regulatory capital, but in some cases the
modal, tetapi dalam beberapa kasus peraturan tidak regulatory requirements do not reflect fully the varying
mencerminkan sepenuhnya berbagai tingkat risiko yang degree of risk associated with different activities. In such
terkait dengan kegiatan yang berbeda. Dalam kasus seperti cases the capital requirements may be flexed to reflect
ini kebutuhan modal dapat mencerminkan profil risiko yang differing risk profiles, subject to the overall level of capital
berbeda, sesuai dengan tingkat keseluruhan modal untuk to support a particular operation or activity not falling
mendukung operasional atau kegiatan tertentu yang tidak di below the minimum required for regulatory purposes. The
bawah persyaratan minimum yang diperlukan untuk tujuan process of allocating capital to operation and specific
pemenuhan peraturan. Proses mengalokasikan modal untuk activities is undertaken independently of those responsible
kegiatan operasional dan kegiatan khusus dilakukan secara for the operation by Bank Risk and Bank Credit, and is
independen dari mereka yang bertanggung jawab untuk subject to review by the Bank Credit Committee or ALCO as
operasi oleh Risiko Bank dan Kredit Bank, dan ditinjau appropriate.
apakah sudah sesuai atau belum oleh Komite Kredit Bank
atau ALCO.
Meskipun memaksimalkan pengembalian modal yang Although maximization of the return on risk-adjusted capital
disesuaikan dengan risiko adalah dasar utama yang is the principal basis used in determining how capital is
digunakan dalam menentukan bagaimana modal allocated within the Bank to particular operations or
dialokasikan didalam Bank untuk kegiatan operasional atau activities, it is not the sole basis used for decision-making.
kegiatan tertentu, tetapi hal tersebut bukan satu-satunya dasar Synergies with other operations and activities, the
yang digunakan untuk pengambilan keputusan. Namun juga availability of management and other resource, and the fit of
memperhitungkan sinergi dengan kegiatan operasional dan the activity with the Bank's longer term strategic objectives
kegiatan lainnya, ketersediaan manajemen dan sumber daya are also taken into consideration. The Bank's policies
lainnya dan kesesuaian dari aktivitas dengan tujuan jangka regarding capital management and allocation are reviewed
panjang Bank. Kebijakan Bank dalam hal manajemen dan regularly by the Board of Directors.
alokasi modal ditinjau secara teratur oleh Direksi.
- 95 -
Page 545
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
39. INFORMASI LAINNYA 39. OTHER INFORMATION
a. Berdasarkan POJK No. 11 /POJK.03/2016 tanggal a. In accordance with POJK No. 11/POJK.03/2016
29 Januari 2016 tentang “Kewajiban Penyediaan dated January 29, 2016 regarding “Commercial Bank
Modal Minimum Bank Umum” dan Surat Edaran Minimum Capital Adequacy Requirement” and Bank
Bank Indonesia No. 14/37/DPNP tanggal Indonesia Circular Letter No. 14/37/DPNP dated
27 Desember 2012 perihal “Kewajiban Penyediaan December 27, 2012 regarding “Minimum Capital
Modal Minimum sesuai Profil Risiko dan Pemenuhan Adequacy Requirement and Fulfillment of Capital
Capital Equivalency Maintained Asset (CEMA)”, Equivalency Maintained Assets (CEMA)”, the Bank is
Bank wajib menyediakan modal minimum sesuai required to fulfill minimum capital based on risk
profil risiko. profile.
Perhitungan ATMR untuk risiko kredit diatur dalam The calculation of RWA with credit risk is stipulated
Surat Edaran Bank Indonesia No. 13/6/DPNP tanggal in Bank Indonesia Circular Letter No. 13/6/DPNP
18 Februari 2011, perihal Pedoman Perhitungan Aset dated February 18, 2011 regarding “RWA with Credit
Tertimbang Menurut Risiko (ATMR) untuk Risiko Risk Calculation using Standard Approach”.
Kredit dengan menggunakan Pendekatan Standar.
Perhitungan ATMR untuk risiko operasional diatur The calculation of RWA with operational risk is
dalam Surat Edaran Bank Indonesia No. 11/3/DPNP stipulated in Bank Indonesia Circular Letter No.
tanggal 27 Januari 2009 tentang “Perhitungan ATMR 11/3/DPNP dated January 27, 2009 regarding “RWA
untuk Risiko Operasional dengan Menggunakan with Operational Risk Calculation using Basic
Pendekatan Indikator Dasar”. Berdasarkan surat Indicator Approach”. Based on this circular letter,
edaran tersebut, sejak 1 Januari 2011, Bank telah since January 1, 2011, bank has calculated RWA with
memperhitungkan ATMR untuk risiko operasional operational risk in which capital charge with
dengan perhitungan beban modal risiko operasional operational risk at 15% of average annual positive
15% dari rata-rata pendapatan bruto positif tahunan gross income for the last three periods.
selama tiga periode terakhir.
Perhitungan rasio kecukupan modal pada tanggal The calculation of capital adequacy ratio as of December
31 Desember 2025 dan 2024 adalah sebagai berikut: 31, 2025 and 2024 is as follows:
2025 2024
Aset Tertimbang Menurut Risk Weighted Assets (RWA)
Risiko (ATMR)
Untuk risiko kredit 3.703.779 2.761.692 With credit charge
Untuk risiko operasional 272.937 278.888 With operational charge
Untuk risiko pasar 306 - With market charge
Modal inti 1.415.692 1.274.849 Core capital
Modal perlengkapan 45.124 32.310 Supplementary capital
Jumlah modal inti dan Pelengkap 1.460.816 1.307.159 Total core and Supplemenentary
Rasio Kewajiban Penyediaan Modal 36,73% 42,99% Capital Adequacy Ratio (CAR)
Minimum (KPMM)
Dengan memperhitungkan risiko 36,73% 42,99% With credit and operational risk
kredit dan operasional
Rasio modal inti terhadap aset 35,60% 41,93% Ratio of core capital to risk
tertimbang menurut risiko weighted assets
b. Jaminan Pemerintah terhadap Kewajiban Pembayaran b. Government Guarantee on Obligations of Banks
Bank Umum
Pada tanggal 31 Desember 2025 dan 2024, berdasarkan As of December 31, 2025 and 2024, based on
Peraturan Pemerintah Republik Indonesia No. 66 Tahun Government Regulation No. 66/2008 dated October 13,
2008 tanggal 13 Oktober 2008 tentang Besaran Nilai 2008 regarding the amount of deposit guaranteed by
Simpanan yang Dijamin Lembaga Penjamin Simpanan, Indonesia Deposit Insurance Corporation, the amount of
jumlah simpanan yang dijamin LPS adalah simpanan deposits covered by LPS is up to Rp2,000 per depositor
sampai dengan Rp2.000 untuk masing-masing nasabah per bank subject to certain criteria of interest rates of
per masing-masing bank dengan kriteria suku bunga deposits.
deposito tertentu.
Beban premi penjaminan Pemerintah untuk tahun yang The government guarantee premium incurred for the
berakhir pada tanggal 31 Desember 2025 dan 2024 years ended December 31, 2025 and 2024 amounting to
masing-masing sebesar, RpNihil dan Rp10.065 dan RpNil and Rp10,065 and respectively, are recognized as
dibukukan pada akun beban bunga (Catatan 28). part of interest expense (Note 28).
- 96 -
Page 546
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
39. INFORMASI LAINNYA (lanjutan) 39. OTHER INFORMATION (continued)
c. Perjanjian-perjanjian Signifikan c. Significant Agreement
Perjanjian tentang Keanggotaan Layanan Transaksi Agreement regarding Artajasa Electronic Transaction
Elektronis Artajasa dalam rangka Implementasi Service Membership in the context of Implementing
Gerbang Pembayaran Nasional tanggal 16 Oktober National Payment Gates on October 16, 2024 with PT
2024 dengan PT Artajasa Pembayaran Elektronis Artajasa Pembayaran Elektronis Number:
Nomor: 092/PKS/DIR-BB/X/2024 dengan jangka 092/PKS/DIR-BB/X/2024 with a period of 3 years and
waktu 3 tahun dan dapat diperpanjang. can be extended.
Perjanjian Kerjasama tanggal 1 Agustus 2024 dengan Agreement dated August 1, 2024 with PT Sigma Cipta
PT Sigma Cipta Caraka dengan tujuan penyediaan Jasa Caraka with the aim of providing Information
Manajemen Teknologi Informasi, Nomor: Technology Management Services, Number:
043/PKS/DIR-BB/VI/2024 yang berlaku selama 043/PKS/DIR-BB/VI/2014 which is valid for 2 years.
2 tahun.
Perjanjian Kerjasama tanggal 22 September 2025 Agreement dated September 22, 2025 with Noesantara
dengan Noesantara Law Firm dengan tujuan Law Firm with the purpose of providing third parties
Penyediaan Jasa Pihak Ketiga (Penyelesaian Kredit), Services (Loans settlement), Number : 146/PKS/DIR-
Nomor: 146/PKS/DIR-BB/IX/2025, yang berakhir BB/IX/2025, which expired on September 21, 2026.
tanggal 21 September 2026.
Perjanjian Kerjasama tanggal 22 September 2025 Agreement dated September 22, 2025 with Law Firm
dengan Law Firm Gaw-Tu dengan tujuan Penyediaan Gaw-Tu with the purpose of providing third parties
Jasa Pihak Ketiga (Penyelesaian Kredit), Nomor: Services (Loans settlement), Number : 148/PKS/DIR-
148/PKS/DIR-BB/IX/2025, yang berakhir tanggal 21 BB/IX/2025 which expired on September 21, 2026.
September 2026.
Perjanjian Kerjasama tanggal 22 September 2025 Agreement dated September 22, 2025 with PT Putra
dengan PT Putra Banten Mulia dengan tujuan Banten Mulia with the purpose of providing third parties
Penyediaan Jasa Pihak Ketiga (Penyelesaian Kredit), Services (Loans settlement), Number : 147/PKS/DIR-
Nomor: 147/PKS/DIR-BB/IX/2025 , yang berakhir BB/IX/2025 which expired on September 21, 2026.
tanggal 21 September 2026.
Perjanjian Kerjasama tanggal 22 September 2025 Agreement dated September 22, 2025 with PT Andalas
dengan PT Andalas Jawadwipa Solution dengan tujuan Jawadwipa Solution with the purpose of providing third
Penyediaan Jasa Pihak Ketiga (Penyelesaian Kredit), parties Services (Loans settlement), Number:
Nomor: 149/PKS/DIR-BB/IX/2025 , yang berakhir 149/PKS/DIR-BB/IX/2025 which expired on
tanggal 21 September 2026. September 21, 2026.
40. SALDO AKUMULASI RUGI DAN RENCANA 40. ACCUMLATED DEFICIT AND MANAGEMENT PLAN
MANAJEMEN-
Bank mengalami Akumulasi saldo rugi Bank pada tanggal The Bank experienced an accumulated Bank loss balance on
31 Desember 2025 dan 2024 masing-masing sebesar December 31, 2025 and 2024 amounting to Rp2,778,249
Rp2.778.249 dan Rp2.830.771. and Rp2,830,771 respectively.
Pada tanggal 31 Desember 2025 dan 2024 Bank mencatat As of December 31, 2025 and 2024, the Bank recorded core
modal inti masing-masing sebesar Rp1.415.692 dan capital of Rp1,415,692 and Rp1,274,849 respectively.
Rp1.274.849
- 97 -
Page 547
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
40. SALDO AKUMULASI RUGI DAN RENCANA 40. ACCUMLATED DEFICIT AND MANAGEMENT PLAN
MANAJEMEN (lanjutan) (continued)
Berdasarkan rencana bisnis Bank untuk tahun 2025 sampai Based the Bank’s business plan for 2025 to 2028 regarding
dengan 2028 tentang penyesuaian bisnis Bank, manajemen the Bank’s business adjustment, the Bank management has
Bank telah menetapkan: determined:
a. Penguatan dan pertumbuhan bisnis yang berkualitas a. Enhancement of sustainable quality business growth,
dan berkelanjutan, melalui optimalisasi pengelolaan through optimization of Regional Government Cash
Rekening Kas Umum Daerah (RKUD), pertumbuhan Management (RKUD), prudent expansion of quality loan
portofolio kredit yang prudent dan berkualitas, portfolios, strengthening of low-cost funding (CASA),
peningkatan dana murah (CASA), pengembangan fee improvement of fee-based income, and continued
based income, serta pengelolaan dan pemulihan kredit management and recovery of non-performing and
bermasalah dan kredit yang telah dihapusbukukan written-off loans.
secara berkelanjutan.
b. Penguatan service excellence dan operational b. Strengthening service and operational excellence,
excellence, melalui digitalisasi produk dan layanan, through product and service digitalization, process
peningkatan efisiensi proses, serta penguatan jaringan efficiency improvements, and enhancement of
dan kualitas layanan; distribution channels and service quality.
c. Optimalisasi sinergi dan kolaborasi strategis, termasuk c. Optimization of synergies and strategic collaborations,
optimalisasi operasional dalam Kelompok Usaha Bank including operational optimization within the Bank
(KUB) yang telah efektif, serta kolaborasi dengan Business Group (KUB), which has become effective, as
Pemerintah Daerah dan mitra strategis lainnya. well as collaboration with Regional Governments and
other strategic partners;
d. Penguatan human capital dan tata kelola, melalui d. Strengthening human capital and governance, through
penerapan manajemen berbasis kinerja, penguatan performance-based management, enhancement of risk
praktik manajemen risiko, serta pengembangan management practices, and continuous development of
kompetensi dan profesionalisme sumber daya manusia. employee competencies.
Manajemen telah menyusun proyeksi keuangan untuk Management has prepared financial projections covering
periode setelah tanggal 31 Desember 2025 berdasarkan the period subsequent to December 31, 2025, based on
asumsi yang dianggap wajar dan dapat dicapai. Proyeksi assumptions considered reasonable and achievable. These
tersebut menunjukkan perbaikan kinerja profitabilitas, projections indicate improvements in profitability, asset
kualitas aset, pengelolaan likuiditas, dan kecukupan quality, liquidity management, and capital adequacy.
permodalan.
Berdasarkan pelaksanaan inisiatif strategis tersebut dan Based on the implementation of these strategic initiatives
proyeksi keuangan yang telah disusun, Manajemen and the financial projections prepared, Management
berkeyakinan bahwa Bank memiliki kapasitas yang memadai believes that the Bank has adequate capacity to sustain its
untuk mempertahankan kelangsungan operasionalnya dalam operations for the foreseeable future. Accordingly, the
jangka waktu yang dapat diperkirakan. Oleh karena itu, accompanying financial statements have been prepared on a
laporan keuangan ini disusun berdasarkan asumsi going concern basis.
kelangsungan usaha (going concern).
- 98 -
Page 548
PT BANK PEMBANGUNAN DAERAH BANTEN PT BANK PEMBANGUNAN DAERAH BANTEN
(PERSERODA) Tbk (PERSERODA) Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2025 December 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
41. PERISTIWA SETELAH PERIODE PELAPORAN 41. SUBSEQUENT EVENT
Berdasarkan surat keterangan No: 04/NOT-PE/I/2026, dari Based on the statement letter No: 04/NOT-PE/I/2026, from
Periasman Effendi, SH notaris di tanggerang tanggal 21 Periasman Effendi, SH, notary in Tangerang dated January
Januari 2026, telah diadakan Rapat Pemegang Saham Luar 21, 2026, an Extraordinary Shareholders Meeting of PT
Biasa (RUPSLB) PT Bank Pembangunan Daerah Banten Bank Pembangunan Daerah Banten (Perseroda), Tbk was
(Perseroda), Tbk, memutuskan : held, deciding:
- Menyetujui pengunduran diri Tuan Bambang - Approved the resignation of Mr. Bambang Widyatmoko,
Widyatmoko, S.E dari jabatannya selaku Direktur S.E. from his position as Business Director of the
Bisnis Perseroan. Company.
- Menyetujui pemberhentian dengan hormat Tuan Rodi - Approved the honorable dismissal of Mr. Rodi Judo
Judo Dahono selaku Direktur Operasional Perseroan Dahono as the Company's Operational Director
- Menyetujui pengangkatan Tuan Deden Apriandhi - Approved the appointment of Mr. Deden Apriandhi as
sebagai Komisaris Perseroan Commissioner of the Company
- Menyetujui pengangkatan Tuan Slamet Riyadi sebagai - Approved the appointment of Mr. Slamet Riyadi as the
Direktur Bisnis Perseroan dan Tuan Purbaji Basuki Company's Business Director and Mr. Purbaji Basuki
sebagai Direktur Operasional Perseroan. as the Company's Operational Director.
Sehingga susunan Dewan Komisaris dan Direksi Perseroan So that the composition of the Company's Board of
menjadi : Commissioners and Directors is:
Dewan Komisaris Board of Commissioners
Komisaris Utama Hoiruddin Hasibuan President Commissioners
Komisaris Independen Deden Riki Hayatul Firman Commissioners Independen
Komisaris Rina Dewiyanti Commissioners
Komisaris Deden Apriandhi Commissioners
Direksi Board of Directors
Direktur Utama Muhammad Busthami President Director
Direktur Eko Virgianto Director
Direktur Slamet Riyadi Director
Direktur Purbaji Basuki Director
Pada tanggal 7 Januari 2026, atas transaksi aset repo periode On January 7, 2026, the repo asset transaction for the
31 Desember 2025 sudah di cairkan dan diterima oleh bank. period December 31, 2025 was disbursed and received by
the bank.
Pendapatan bunga yang
Nilai penjualan belum di realisasi/
Counterparty/ Jenis efek/ Jumlah nominal/ Tanggal mulai/ Jatuh tempo/ kembali/ Unrealized interest Nilai tercatat/
Counterparty Type of securities Nominal amount Start date Maturity date Resale value income Carrying value
Bank Indonesia VR0070 111.087 31 Des/ Dec 31, 7 Jan/ Jan 7, 108.835 100 108.734
2025 2026
Jumlah 111.087 108.835 100 108.734
42. PERSETUJUAN LAPORAN KEUANGAN 42. APPROVAL OF FINANCIAL STATEMENTS
Laporan keuangan telah disetujui Direksi untuk diterbitkan The financial statements were approved and authorized for
tanggal 25 Februari 2026. issue by the Directors on February 25, 2026.
- 99 -
Page 549
Names mentioned 187 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Banten
· Komisaris
p.2 ×363
unresolved
org
Bank Banten’s
p.2 ×30
unresolved
org
Pembangunan Daerah Jawa Timur Tbk
p.3 ×2
unresolved
org
Bank Jatim
p.3 ×43
unresolved
org
Jawa Timur Tbk
p.3 ×3
unresolved
org
Financial Services Authority
p.3 ×17
unresolved
org
Bank Consolidation. Sejalan
p.3
unresolved
org
Bank Banten. Bank
p.3
unresolved
org
Bank Pembangunan Daerah Provinsi Banten. Tingkat
p.3
unresolved
person
Gubernur Banten
· Pemegang Saham Pengendali
p.4 ×4
unresolved
org
Bank Banten. Selain
p.4
unresolved
—
213 RUPS Tahunan (RUPST)
p.8
unresolved
—
217 RUPS Luar Biasa (RUPS LB)
p.8
unresolved
person
Pendanaan Proliferasi Senjata Pemusnah Massal
· Komisaris Independen
p.8
unresolved
—
252 Informasi Rapat Gabungan
p.8
unresolved
—
Information On Joint Meetings
p.8
unresolved
—
Information On Affiliations
p.8
unresolved
—
258 Komite Pendukung
p.8
unresolved
—
Supporting Committees To
p.8
unresolved
person
Committee
· Direktur Utama
p.8
unresolved
org
Bank Jatim. In
p.16
unresolved
org
Bank Jatim. Setelah
p.16
unresolved
org
Bank Pembangunan Daerah Jawa Timur Tbk
p.16 ×22
unresolved
org
Bank Consolidation. Sinergi
p.16
unresolved
org
Pemerintah Kabupaten Pandeglang
p.19
unresolved
org
PT Agrobisnis Banten Mandiri
p.20 ×2
unresolved
org
Bank Banten. Signing
p.21
unresolved
org
Bank Banten. Pandeglang
p.21
unresolved
person
Mashudi
p.24
unresolved
person
RIKI HAYATUL FIRMAN Prof. Dr. HOIRUDDIN HASIBUAN
· Komisaris Utama
p.28 ×14
unresolved
org
Bank Soundness Level
p.31 ×3
unresolved
org
Bank Banten. The Board
p.31 ×5
unresolved
org
Pusat Statistik
p.32 ×3
unresolved
org
Bank Indonesia
p.32 ×37
unresolved
org
Pemerintah Provinsi Banten
p.36 ×13
unresolved
org
Bank Jatim’s
p.36
unresolved
org
Bank Jatim. Sehingga
p.36
unresolved
org
Bank Banten. Di
p.38
unresolved
org
Bank Banten. In
p.38
unresolved
person
Usman Asshiddiqi Qohara
· Komisaris
p.38
unresolved
org
Bank Banten. Melalui
p.39
unresolved
org
Bank Banten. Through
p.39
unresolved
org
Bank Banten. We
p.39
unresolved
org
Bank Banten. Kinerja
p.39
unresolved
org
Bank Banten. This
p.39
unresolved
org
Jajaran Pemerintah Provinsi Banten
· Pemegang Saham Pengendali
p.40
unresolved
org
Bank Banten. Secara
p.41
unresolved
org
Pusat
p.42
unresolved
org
Milik Negara
p.43
unresolved
org
Bank Branch Offices
p.43
unresolved
org
Bank Bank Banten
p.43 ×3
unresolved
org
PT Bank Pembangunan Daerah Jawa
p.44
unresolved
org
Timur Tbk
p.44
unresolved
org
Bank Jawa Timur Tbk
p.44 ×2
unresolved
org
PT Bank Daerah Banten
p.44
unresolved
org
Bank Business Group Structure Jawa Timur Tbk
p.44 ×2
unresolved
person
Active
· Komisaris
p.44
unresolved
org
Bank Recovery Action Plan
p.44
unresolved
org
Bank Banten's Banten
p.46
unresolved
org
Bank Banten. Direksi
p.46
unresolved
org
Bank Banten. Sehingga Direksi
p.46
unresolved
org
Bank Banten. Firstly
p.46
unresolved
org
Pemerintah Kabupaten Serang
p.47
unresolved
org
Bank Jatim. KUB
p.47
unresolved
org
Bank Jatim. The KUB
p.47
unresolved
org
PT Bank Pembangunan Daerah Jatim
p.47
unresolved
org
Milik Daerah
p.47 ×3
unresolved
org
Bank Banten’s Head Office
p.48
unresolved
org
Bank Jatim. This
p.48
unresolved
org
Bank Banten's NPL
p.49
unresolved
org
Bank Banten Belum
p.49
unresolved
org
Bank Banten. Consequently
p.49
unresolved
org
Bank Banten. Sehingga Bank Banten
p.49
unresolved
org
Milik
p.50
unresolved
org
Bank Banten. Following Lebak Kabupaten Lebak
p.50
unresolved
—
Banten Provincial Banten
· Pemegang Saham Pengendali
p.51
unresolved
org
Bank Banten Melesat
p.51
unresolved
org
Bank Banten's IT
p.55 ×2
unresolved
org
Bank Pemerintahan Daerah
p.58
unresolved
org
Bank Banten Products
p.59
unresolved
org
Bank Banten. Komposisi Direksi Bank
p.60
unresolved
org
Bank Banten. The Banten
p.60
unresolved
org
Bank Banten Personnel
p.61
unresolved
org
Banten Provinsi Banten
· Pemegang Saham Pengendali
p.61
unresolved
person
Frans Elsius Muliawan
· Notaris
p.64 ×3
unresolved
org
PT Executive International Bank
p.64 ×7
unresolved
org
PT Bank Eksekutif International.
p.64 ×2
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
p.64 ×2
unresolved
org
Minister of Law and Human Rights
p.64 ×2
unresolved
org
Bank Eksekutif Internasional Tbk
p.64 ×10
unresolved
org
Bank Pundi Indonesia Tbk.
p.64 ×18
unresolved
org
Minister of Justice
p.65
unresolved
org
Menteri Keuangan
p.65
unresolved
org
Minister of Finance Decree No. KMK.
p.65
unresolved
person
Fathiah Helmi
p.65 ×2
unresolved
org
Menteri Hukum dan Hak Asasi
p.65
unresolved
org
Minister of Manusia Republik Indonesia
p.65
unresolved
org
Menteri Hukum dan HAM RI
p.65
unresolved
org
Pemerintah Provinsi Banten. Bank Jatim
p.65
unresolved
org
Kementerian
p.66
unresolved
org
Menteri Keuangan Republik Indonesia
p.66
unresolved
org
Ministry of Law and Human of Finance
p.66
unresolved
org
PT Bank Pundi KMK.
p.66
unresolved
org
Indonesia Tbk.
p.66
unresolved
org
Pundi Indonesia Tbk.
p.66
unresolved
org
Bank Indonesia Governor Decree
p.66
unresolved
org
Bank Executive International Tbk
p.66 ×2
unresolved
org
PT Banten Global Development
p.67 ×3
unresolved
org
Bank Percepatan
p.67
unresolved
org
PT Bank Pembangunan BEKS Long Term National Rating
p.67
unresolved
org
Daerah Jawa Timur Tbk
p.67 ×2
unresolved
person
Pembangunan Daerah Banten
· Notaris
p.71
unresolved
org
Bank Indonesia Certificates
p.72
unresolved
org
Terbatas
p.73
unresolved
org
Bank Savings
p.74
unresolved
org
Bank Garansi
p.75
unresolved
org
Bank Garansi Tender
p.75
unresolved
org
Bank Garansi Pelaksanaan
p.75
unresolved
org
Bank Garansi Pemeliharaan
p.75
unresolved
org
Koperasi Simpan Pinjam
p.75
unresolved
org
Bank Garansi Uang Muka
p.75
unresolved
org
Bank Garansi Pembayaran
p.75
unresolved
org
Bank Garansi Perdagangan Umum
p.75
unresolved
org
Bank Guarantee KREDIT KONSUMER
p.75
unresolved
org
Bank Garansi Sanggah Banding
p.75
unresolved
org
Bank Guarantee Objection
p.75
unresolved
org
Bank Garansi Penangguhan Bea Masuk
p.75
unresolved
person
Credit Policy Committee
· Direktur
p.78
unresolved
org
Minister of Home Affairs
p.80
unresolved
person
Republic
· Direktur
p.81
unresolved
person
Profile Dr. RINA DEWIYANTI
· Komisaris
p.82 ×5
unresolved
org
Bank Bukopin Cabang Bandung
p.82
unresolved
org
Bank Bukopin
p.82 ×21
unresolved
org
Pengelolaan Keuangan
p.82
unresolved
person
Busthami
p.83 ×2
unresolved
org
PT Syariah Mandiri
p.83
unresolved
org
Bank Syariah Mandiri
p.83 ×3
unresolved
person
Rodi
p.84 ×2
unresolved
org
Bank Banten's Extraordinary General Pemegang Saham
p.84
unresolved
org
Bank Banten's Extraordinary General Meeting
p.85
unresolved
person
Eko
p.86 ×2
unresolved
org
Bank Banten's Extraordinary Pemegang Saham Luar Biasa Bank
p.86
unresolved
—
Banten / Banten
p.96
unresolved
org
Pemerintah Provinsi Jawa Timur Banten Provincial Government
p.98
unresolved
—
PSP
· Pemegang Saham Pengendali
p.98
unresolved
org
Bank Banten EGMS
p.98
unresolved
org
Indonesia Stock Exchange
p.99 ×7
unresolved
person
CPA
p.101 ×2
unresolved
org
PT Raya Saham Registra Plaza Sentral Building
p.101
unresolved
person
KH. Hasyim Ashari
p.103 ×2
unresolved
person
H. Somawinata
p.103
unresolved
org
PT. Mandiri
p.104
unresolved
org
Bank Sistem BI-RTGS
p.123
unresolved
person
Donald Feterence
· Ketua
p.137
unresolved
org
Bank Banten Banten
p.140
unresolved
org
PT Jamkrida Banten
p.191
unresolved
person
Commercial Banks
· Komisaris
p.194
unresolved
org
Bank Banten Analisis
p.195
unresolved
org
Bank Banten. Services Sector
p.195
unresolved
org
Bank Health Levels. Jasa Keuangan.
p.204
unresolved
org
Bank Banten. PELAKSANAAN TATA KELOLA
p.207
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Other files in this announcement 1
ESG2025-BEKS.pdf
done