Back to announcement
20251224_BBSI_Tanggapan atas Permintaan Penjelasan Bursa_32015410_lamp2.pdf
Other Text extracted BBSISource file signed link, expires in 15 minutes
Extracted text 6
Page 1
Request for Explanation from IDX on the Potential Changes to the KBMI I Category
Lampiran Surat Bank No 121/KROM/UM/XII/2025
Attachment Permintaan Penjelasan - KBMI 1.pdf (translation).
No Question from IDX Bank’s Response
1 The Company’s Response to OJK’s Plan to The Company has taken note of media reports regarding OJK’s evaluation
Eliminate the KBMI I Category. and potential elimination of the KBMI I category as part of efforts to
strengthen the capital structure and promote consolidation within the
national banking industry.
The Company understands that, as of this date, such policy remains in the
form of guidance and no binding regulation has been issued. The Company
consistently supports OJK policies aimed at strengthening the financial
system stability, enhancing the competitiveness of the banking industry,
and protecting the interests of customers and other stakeholders.
The Company will continue to actively coordinate with OJK to ensure
compliance with any policies that may be established.
2 Potential Impacts on the Company Arising If, in the future, the OJK formally establishes a policy regarding the
from the Plan, Including: elimination of the KBMI I category, there may be several potential impacts
on the Company, including the following:
a. Impact on the Company’s business
continuity; a. Impact on the Company’s Business Continuity;
b. Impact on the Company’s
operational activities; In principle, such policy would not immediately disrupt the
c. Impact on the Company’s financial Company’s business continuity; however, it would necessitate the
condition; Company undertaking strategic review and potentially adjustments,
d. Other impacts (if any). particularly with respect to compliance with the minimum capital
requirements and the direction of the Company’s business strategy.
b. Impact on the Company’s Operational Activities;
The Company may undertake adjustments to its business plan,
1/5
Page 2
Request for Explanation from IDX on the Potential Changes to the KBMI I Category
Lampiran Surat Bank No 121/KROM/UM/XII/2025
target business segments, and expansion priorities in order to
ensure alignment with the direction of regulatory policy.
Nevertheless, the Company’s day-to-day operational activities and
customer services are expected to continue to operate normally.
c. Impact on the Company’s Financial Condition;
Such policy may potentially affect the Company’s capital structure,
including the possible need for capital strengthening, either through
organic capital growth or other strategic alternatives. Such
adjustments may influence the Company’s future financial planning
and funding strategies.
d. Other Impacts (if any).
In addition to the matters described above, such policy may also
increase the need for coordination with shareholders and other
stakeholders, as well as enhance the Company’s focus on
corporate governance, risk management, and compliance with
regulatory requirements.
3 The Company’s Strategy in Complying with The Company continuously conducts evaluations of its capital structure and
the OJK Policy, Including Any Planned business strategy, including but not limited to:
Corporate Actions (if any).
● organic capital strengthening;
● optimization of performance and operational efficiency; and
● exploration of various feasible strategic options, in accordance with
the prevailing laws and regulations.
If, in the future, OJK formally establishes a policy regarding changes to the
KBMI category, the Company may adjust its strategy and, if necessary,
consider corporate actions in accordance with applicable regulations while
taking into account the interests of all stakeholders.
2/5
Page 3
Request for Explanation from IDX on the Potential Changes to the KBMI I Category
Lampiran Surat Bank No 121/KROM/UM/XII/2025
4 Timeline of the Company’s Strategy in As of the date of this explanation, the Company does not yet have a final
Responding to the Plan. and binding timeline, as the policy has not been formally issued by OJK.
The Company will provide further disclosures to OJK and the Stock
Exchange should there be any developments in the policy, strategic
decisions, or material corporate action plans, in accordance with the
prevailing laws and regulations.
Versi Indonesia
No Pertanyaan dari BEI Tanggapan Bank
1 Tanggapan Perseroan atas rencana OJK Perseroan telah memperhatikan pemberitaan media mengenai evaluasi
dalam menghapus kategori KBMI 1 OJK dan potensi penghapusan kategori KBMI I sebagai bagian dari upaya
penguatan struktur modal dan mendorong konsolidasi dalam industri
perbankan nasional.
Perseroan memahami bahwa, hingga saat ini kebijakan tersebut masih
berupa pedoman dan belum ada peraturan yang mengikat yang diterbitkan.
Perseroan secara konsisten mendukung kebijakan OJK yang bertujuan
untuk memperkuat stabilitas sistem keuangan, meningkatkan daya saing
industri perbankan, dan melindungi kepentingan nasabah dan pemangku
kepentingan lainnya.
Perseroan akan terus aktif berkoordinasi dengan OJK untuk memastikan
kepatuhan terhadap kebijakan apa pun yang mungkin ditetapkan.
2 Dampak yang dapat terjadi bagi Perseroan Apabila di masa mendatang OJK secara resmi menetapkan kebijakan
atas rencana tersebut, antara lain: terkait penghapusan kategori KBMI I, maka mungkin akan ada beberapa
a. Dampak terhadap kelangsungan usaha dampak potensial bagi Perseroan, termasuk hal-hal berikut:
Perseroan;
b. Dampak terhadap kegiatan operasional a. Dampak pada Kelangsungan Usaha Perseroan;
3/5
Page 4
Request for Explanation from IDX on the Potential Changes to the KBMI I Category
Lampiran Surat Bank No 121/KROM/UM/XII/2025
Perseroan;
c. Dampak terhadap kondisi keuangan Pada prinsipnya, kebijakan tersebut tidak akan langsung
Perseroan; mengganggu kelangsungan usaha Perusahaan; namun, hal itu
d. Dampak lainnya (jika ada). akan mengharuskan Perusahaan untuk melakukan peninjauan
strategis dan berpotensi melakukan penyesuaian, khususnya terkait
dengan kepatuhan terhadap persyaratan modal minimum dan arah
strategi bisnis Perusahaan.
b. Dampak pada Aktivitas Operasional Perseroan;
Perusahaan dapat melakukan penyesuaian terhadap rencana
bisnis yang telah ditetapkan, segmen bisnis target, dan prioritas
ekspansi untuk memastikan keselarasan dengan arah kebijakan
regulasi. Meskipun demikian, aktivitas operasional sehari-hari dan
layanan pelanggan Perusahaan diharapkan akan terus beroperasi
secara normal.
c. Dampak pada Kondisi Keuangan Perseroan;
Kebijakan tersebut berpotensi mempengaruhi struktur modal
Perusahaan, termasuk kemungkinan kebutuhan penguatan modal,
baik melalui pertumbuhan modal organik maupun alternatif strategis
lainnya. Penyesuaian tersebut dapat mempengaruhi perencanaan
keuangan dan strategi pendanaan Perusahaan di masa
mendatang.
d. Dampak Lainnya (jika ada).
Selain hal-hal yang telah dijelaskan di atas, kebijakan tersebut juga
dapat meningkatkan kebutuhan koordinasi dengan pemegang
saham dan pemangku kepentingan lainnya, serta meningkatkan
4/5
Page 5
Request for Explanation from IDX on the Potential Changes to the KBMI I Category
Lampiran Surat Bank No 121/KROM/UM/XII/2025
fokus Perusahaan pada tata kelola perusahaan, manajemen risiko,
dan kepatuhan terhadap persyaratan peraturan.
3 Strategi Perseroan dalam memenuhi Perusahaan secara terus menerus melakukan evaluasi terhadap struktur
kebijakan dari OJK tersebut, termasuk modal dan strategi bisnisnya, termasuk namun tidak terbatas pada:
rencana tindakan korporasi yang akan
dilakukan (jika ada). a. penguatan modal organik;
b. optimalisasi kinerja dan efisiensi operasional; dan
c. penjelajahan berbagai opsi strategis yang layak, sesuai dengan
hukum dan peraturan yang berlaku.
Jika di masa mendatang OJK secara resmi menetapkan kebijakan
mengenai perubahan kategori KBMI, Perusahaan dapat menyesuaikan
strateginya dan, jika perlu, mempertimbangkan tindakan korporasi sesuai
dengan peraturan yang berlaku dengan tetap memperhatikan kepentingan
semua pemangku kepentingan.
4 Dalam hal Perseroan telah memiliki strategi Sampai tanggal penjelasan ini, Perseroan belum memiliki jadwal waktu
atau rencana dalam menghadapi kebijakan yang final dan mengikat, karena kebijakan tersebut belum secara resmi
tersebut agar disampaikan linimasa diterbitkan oleh OJK.
(timeline) dari rencana tersebut.
Perusahaan akan memberikan pengungkapan lebih lanjut kepada OJK dan
Bursa Efek jika ada perkembangan dalam kebijakan, keputusan strategis,
atau rencana tindakan korporasi yang material, sesuai dengan hukum dan
peraturan yang berlaku.
5/5
Page 6
Audit trail
Details
FILE NAME Request for Information - KBMI 1 from IDX.docx.pdf - 12/24/25, 3:07 PM
STATUS Signed
2025/12/24
STATUS TIMESTAMP
08:16:37 UTC
Activity
lintang.purnamasari@krom.id sent a signature request to:
2025/12/24
Dimas Hananto Nugroho (dimas.nugroho@krom.id)
SENT 08:07:34 UTC
Antik Rosalia Indah (antik.indah@krom.id)
2025/12/24
Signed by Antik Rosalia Indah (antik.indah@krom.id)
SIGNED 08:16:37 UTC
2025/12/24
Signed by Dimas Hananto Nugroho (dimas.nugroho@krom.id)
SIGNED 08:13:45 UTC
2025/12/24
This document has been signed by all signers and is complete
COMPLETED 08:16:37 UTC
The email address indicated above for each signer may be associated with a Google account, and may either be the primary email
address or secondary email address associated with that account.
Names mentioned 1 people and organisations named in the text · linked when the evidence is strong
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.