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Page 1
20 Laporan Tahunan
24 Annual Report
Meningkatkan Pertumbuhan
Melalui Inovasi dan Digitalisasi
Enhancing Growth Through Innovation and Digitalization
Page 2
SANGGAHAN DAN BATASAN TANGGUNG JAWAB
Disclaimer and Scope of Responsibility
Laporan Tahunan 2024 PT Bank Artha Graha Internasional Tbk The 2024 Annual Report of PT Bank Artha Graha Internasional
ini disusun untuk memenuhi ketentuan pelaporan hasil kinerja Tbk is prepared to comply with the provisions of reporting
Bank periode 1 Januari sampai dengan 31 Desember 2024 the Bank’s performance results for the period January 1 to
kepada Regulator sesuai ketentuan Peraturan Otoritas Jasa December 31, 2024 to the Regulator in accordance with the
Keuangan No. 29/POJK.04/2016 tentang Laporan Tahunan provisions of the Financial Services Authority Regulation No.
Emiten atau Perusahaan Publik. Sedangkan muatan konten 29/POJK.04/2016 concerning Annual Reports of Issuers or
pada laporan ini disesuaikan dengan kriteria yang terdapat pada Public Companies. Meanwhile, the content of this report is
Surat Edaran Otoritas Jasa Keuangan No. 9/SEOJK.03/2020 adjusted to the criteria contained in the Circular Letter of the
tentang Transparansi dan Publikasi Laporan Bank Umum Financial Services Authority No. 9/SEOJK.03/2020 concerning
Konvensional dan Surat Edaran Otoritas Jasa Keuangan No. Transparency and Publication of Conventional Commercial
16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Bank Reports and Circular Letter of the Financial Services
Emiten atau Perusahaan Publik. Authority No. 16/SEOJK.04/2021 concerning the Form and
Content of the Annual Report of Issuers or Public Companies.
Laporan Tahunan ini memuat pernyataan terkait tujuan, This Annual Report contains statements related to objectives,
kebijakan, rencana, strategi, serta hasil operasi dan policies, plans, strategies, as well as operating and financial
keuangan yang disusun berdasarkan data faktual yang dapat results prepared based on factual data that can be accounted
dipertanggungjawabkan kebenarannya. Selain itu, Laporan for. In addition, this Annual Report also presents information
Tahunan ini juga menyajikan informasi terkait proyeksi Bank related to the Bank’s projections for the following year, which
di tahun selanjutnya yang disusun berdasarkan pernyataan- are prepared based on prospective statements and various
pernyataan prospektif dan berbagai asumsi mengenai kondisi assumptions regarding the Bank’s future conditions, as well as
mendatang Bank, serta lingkungan bisnis yang terkait, the related business environment, which may result in actual
sehingga dapat mengakibatkan perkembangan aktual secara developments being materially different from those reported.
material berbeda dari yang dilaporkan. Oleh karena itu, Bank Therefore, the Bank urges Stakeholders to use this information
mengimbau agar Pemangku Kepentingan dapat menggunakan wisely in making decisions.
informasi tersebut secara bijak dalam pengambilan keputusan.
Laporan Tahunan ini memuat kata “Bank Artha Graha This Annual Report contains the terms “Bank Artha Graha
Internasional” dan “Bank” yang didefinisikan sebagai PT Bank Internasional” and “Bank,” which are defined as PT Bank
Artha Graha Internasional Tbk yang menjalankan kegiatan Artha Graha Internasional Tbk, a company engaged in
usaha di bidang jasa perbankan. Adakalanya kata “BAGI”, banking services. The terms “BAGI”, “We” and “Company”
“Kami” dan “Perusahaan/Perseroan” juga digunakan atas dasar or “Corporation” are also used interchangeably for ease of
kemudahan untuk menyebut PT Bank Artha Graha Internasional reference to PT Bank Artha Graha Internasional Tbk. The terms
Tbk secara umum. Penyebutan satuan mata uang “Rupiah”, “Rupiah,” “Rp,” or “IDR” refer to the official currency of the
“Rp” atau “IDR” merujuk pada mata uang resmi Republik Republic of Indonesia, while “US Dollar” or “USD” refers to the
Indonesia, sedangkan “Dolar AS” atau “USD” merujuk pada official currency of the United States. All financial information is
mata uang resmi Amerika Serikat. Semua informasi keuangan presented in Rupiah.
disajikan dalam mata uang Rupiah.
Laporan dibuat dalam dua bahasa, yakni Bahasa Indonesia This report is prepared in two languages: Indonesian and
dan Bahasa Inggris. Apabila tedapat dua pengertian/makna, English. In the event of any differences in interpretation or
maka bahasa yang digunakan adalah Bahasa Indonesia. Selain meaning, the Indonesian version shall prevail. In addition to the
dalam edisi cetak, laporan serupa dapat diakses melalui situs printed edition, the report is also available on the Bank’s official
resmi Bank https://www.arthagraha.com/. website at https://www.arthagraha.com/.
PEMBERITAHUAN TABEL DAN GRAFIK NOTIFICATION OF TABLES AND GRAPHS
Tabel dan grafik pada Laporan Tahunan ini memaparkan data Tables and graphs in this Annual Report present numerical data
numerik dengan standar penulisan mengikuti kaidah Bahasa with writing standards following Indonesian language rules.
Indonesia. Pemaparan numerik dalam teks menggunakan standar Numerical presentation in the text uses standard Indonesian
kaidah Bahasa Indonesia dan Bahasa Inggris sesuai konteks. and English rules according to context.
2 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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PENJELASAN TEMA
Theme Explanation
2024 Meningkatkan
Pertumbuhan Melalui
Inovasi dan Digitalisasi
Enhancing Growth Through
Innovation and Digitalization
Kondisi usaha kini dan ke depan akan terus diwarnai dengan The current and future business environment will continue to be
beragam tantangan dan kendala yang harus diatasi bersama marked by a variety of challenges and obstacles that must be
oleh seluruh pemangku kepentingan, baik pelaku bisnis, addressed collectively by all stakeholders—including business
perbankan maupun pemerintah. Salah satu tantangan, actors, the banking sector, and the government. One of the key
sekaligus peluang yang harus diantisipasi dengan sigap challenges, which also presents a significant opportunity, is the
adalah meningkatnya volume maupun nilai transaksi digital rising volume and value of digital transactions across various
di berbagai segmen usaha berkat berkembangnya kebutuhan business segments. This growth is driven by the increasing
akan transaksi yang dapat dilakukan kapan saja, dimana saja demand for transaction services that are reliable, accessible
dan dapat diandalkan. anytime and anywhere.
Bank Artha Graha Internasional (BAGI) hadir menyediakan Bank Artha Graha Internasional (BAGI) is committed to
seluruh sarana maupun layanan perbankan digital, yang providing a full range of digital banking facilities and services,
senantiasa tanggap dalam mengantisipasi perkembangan consistently responsive to the evolving needs of Customers and
kebutuhan Nasabah dan memberi solusi tepat guna sesuai offering effective, up-to-date solutions.
kebutuhan dan perkembangan terkini.
Kini dan kedepan, BAGI senantiasa siap untuk menjalin Now and in the future, BAGI remains fully prepared to build
kolaborasi dan sinergi bersama para Nasabah, mengatasi collaboration and synergy with its Customers, overcome
tantangan serta meraih peluang pertumbuhan yang berkualitas challenges, and seize opportunities for high-quality and
dan berkelanjutan dengan dukungan layanan digital banking sustainable growth-supported by innovative and trusted digital
yang inovatif dan terpercaya. banking services.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 3
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
2023
Memperkuat Kolaborasi Menghadirkan Solusi
Strengthening Collaboration to Deliver Solutions
Untuk mengakselerasi pertumbuhan bisnis, Bank Artha Graha Internasional (BAGI) memperkuat
sinergi dan kolaborasi, baik internal maupun eksternal. Hal tersebut dimaksudkan agar BAGI
dapat memberikan solusi yang tepat sesuai kebutuhan Nasabah yang semakin beragam. BAGI
fokus dalam pengembangan layanan perbankan yang inklusif dan pengembangan digital banking
sebagai upaya untuk meningkatkan daya saing Bank di tengah tingkat kompetisi yang semakin
meningkat.
To accelerate business growth, Bank Artha Graha Internasional (BAGI) is strengthening synergy and
collaboration, both internal and external. This is intended so that BAGI can provide the right solutions
according to the increasingly diverse needs of Customers. BAGI focuses on developing inclusive
banking services and digital banking development as an effort to increase the Bank’s competitiveness
amidst the increasing level of competition.
2022
Accelerating Business Through Synergy and Collaboration
Bank Artha Graha Internasional (BAGI) terus berupaya untuk meningkatkan kinerja bisnisnya di
tengah tingkat persaingan industri perbankan yang semakin ketat. Untuk itu, BAGI berupaya untuk
memperluas segmen pasar dengan memasuki segmen-segmen baru. Untuk mempermudah
penetrasi di segmen baru, BAGI membangun sinergi dan berkolaborasi dengan berbagai pihak
mitra.
Bank Artha Graha Internasional (BAGI) strives to improve its business performance amidst the
increasingly fierce competition in the banking industry. For this reason, BAGI strives to expand the
market by entering new segments. To facilitate penetration in new segments, BAGI builds synergies
and collaborates with various partners.
2021
Moving Forward Thru Digitalization
Layanan mobile banking terus dikembangkan dan disempurnakan melalui penggunaan platform
digital beserta layanan Application Programming Interface (API) yang terintegrasi dengan pelaku
teknologi finansial guna meningkatkan layanan perbankan digital sekaligus meningkatkan fee-
based income. Selanjutnya, Bank melakukan akuisisi Nasabah baru melalui pengembangan
channel Bank maupun penguatan layanan API. Akselerasi transformasi digital tersebut ditempuh
untuk mewujudkan layanan mobile banking Bank sebagai one-stop financial solutions yang
mengutamakan kebutuhan Nasabah untuk mendapatkan layanan finansial dan non-finansial.
Mobile banking services continue to be developed and enhanced through digital platforms and
Application Programming Interface (API) services that are integrated with financial technology
players to enhance digital banking services while increasing fee-based income. Furthermore, the
Bank acquired new Customers through the development of Bank channels and strengthening API
services. The acceleration of digital transformation was performed to realize the Bank’s mobile
banking services as a one-stop financial solution that prioritizes customer needs for financial and
non-financial services.
4 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
2020
Memperkuat Sinergi, Meningkatkan Layanan
Bank Artha Graha Internasional terus berupaya untuk memberikan layanan perbankan yang terbaik
kepada seluruh Nasabahnya. Untuk itu, selain terus meningkatkan kapasitas internal. Bank juga
menjalin kerja sama dengan pihak ketiga yang dapat membantu Bank mewujudkan tujuan tersebut.
Bank Artha Graha Internasional strives to provide the best banking services to all its Customers. For
this reason, in addition to continuing to increase internal capacity, The Bank also collaborated with
third parties that could help the Bank achieve this goal.
2019
Pertumbuhan Berkualitas di Era Digital
Bank Artha Graha Internasional senantiasa mengutamakan pertumbuhan yang berkualitas.
Pencapaian rencana kerja dan strategi usaha yang berorientasi kepada pemenuhan harapan
Pemegang Saham dan Pemangku Kepentingan menjadi prioritas. Hal ini khususnya difokuskan
kepada optimalisasi pengembangan usaha yang sesuai dengan tantangan digitalisasi dan
keberlanjutan sehingga Bank dapat memenangkan persaingan di industri perbankan Indonesia.
Bank Artha Graha Internasional always prioritizes quality growth. Achievement of work plans and
business strategies oriented towards meeting the expectations of Shareholders and Stakeholders
is a priority. This is particularly focused on optimizing business development in accordance with
the challenges of digitalization and sustainability so that the Bank can win the competition in the
Indonesian banking industry.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 5
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
PENCAPAIAN PENTING 2024
Significant Achievements in 2024
Penerapan berbagai inisiatif strategis yang efektif bersamaan The implementation of various effective strategic initiatives,
dengan upaya intensifikasi kolaborasi bersama para mitra alongside intensified collaboration with strategic partners
strategis yang berfokus pada pengembangan layanan inovatif focused on the development of innovative services based on
berbasis teknologi digital terkini, membuat Bank Artha Graha the latest digital technologies, has enabled Bank Artha Graha
Internasional mencatatkan sejumlah kinerja yang membuat Internasional to achieve strong performance outcomes that
fondasi keuangan terus menguat. continue to strengthen its financial foundation.
Melalui dukungan layanan perbankan inovatif yang telah dikembangkan mengikuti pesatnya transaksi digital, Bank Artha Graha
Internasional berhasil mendorong meningkatnya transaksi digital melalui kerjasama dari mitra strategis pengelola marketplace
maupun merchant retail secara signifikan. Hasilnya, Bank Artha Graha Internasional membukukan kenaikan fee based digital
banking secara signifikan hingga lebih dari 500%.
Through the support of innovative banking services developed in response to the rapid growth of digital transactions, Bank Artha Graha
Internasional has successfully driven a significant increase in digital transactions by partnering with strategic marketplace operators
and retail merchants. As a result, the Bank recorded a substantial increase in digital banking fee-based income-exceeding 500%.
Deskripsi Satuan Growth (%)
2024 2023
Description Unit Growth (%)
Frekuensi Transaksi MB Kali 4.136.789 2.850.217 45,1
MB Transaction Frequency Times
Nilai Transaksi MB Rp Juta 6.681.710 4.863.363 37,4
MB Transaction Value Million Rp
Fee Based Digital Banking BAGI Rp Juta
93.996 14.678 540,4
Fee Based Digital Banking BAGI Million Rp
6 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Akuisisi Nasabah pelaku bisnis mikro, UMKM maupun perseorangan yang semakin intensif, membuat outstanding tabungan,
salah satu komponen CASA dengan mobilitas yang paling rendah terus meningkat berkelanjutan. Inisiatif dalam mendorong
peningkatan CASA, antara lain melalui program CASA (Hold Dana 5,1%), kerjasama TNI POLRI, serta kerjasama digital melalui
floating fund milik mitra strategis, memberi dukungan bagi berkembangnya penyaluran kredit mikro dengan kualitas yang terjaga
secara berkelanjutan.
The intensified acquisition of Customers from the micro, SME, and individual business segments has driven a continuous increase
in savings account balances-one of the CASA components with the lowest mobility. This growth has supported the expansion of
micro lending while maintaining sustainable credit quality. Initiatives to boost CASA include the CASA Program (5.1% Fund Holding),
partnerships with the Indonesian National Armed Forces (TNI) and National Police (POLRI), as well as digital collaborations through
floating funds from strategic partners.
Outstanding Tabungan
Outstanding Savings
(dalam miliar Rupiah) | (in billion Rupiah)
1.835
1.602 1.597
1.518 1.513
2024 2023 2022 2021 2020
2024 Annual Report PT Bank Artha Graha Internasional Tbk 7
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
PENGHARGAAN DAN SERTIFIKASI
Award and Certifications
31 Juli 2024 I July 31, 2024
Indonesia Best Bank Awards 2024
Indonesia Best Bank Awards 2024 diselenggarakan oleh Warta Ekonomi. Tema
penyelenggaraan kesembilan ini adalah “Accelerating Financial Stability with Digitalization
Priorities”. Tujuan penghargaan ini adalah untuk mendorong stabilitas kinerja, inovasi,
dan pembangunan ekonomi Indonesia.
BAGI mendapatkan penghargaan pada kategori Indonesia Best Bank 2024 for
Opitimizing Digital Platforms Development and Managing Big Data.
The Indonesia Best Bank Awards 2024 was organized by Warta Ekonomi. The theme of this
ninth edition is “Accelerating Financial Stability with Digitalization Priorities.” The award aims
to encourage performance stability, innovation, and the economic development of Indonesia.
BAGI received an award in the category of Indonesia Best Bank 2024 for Optimizing
Digital Platforms Development and Managing Big Data.
23 Agustus 2024 I August 23, 2024
Indonesia Best Digital Finance Awards 2024
Indonesia Best Digital Finance Award 2024, dengan tema “Prioritizing Access to Digital
Services and Cybersecurity Assurance” merupakan ajang penghargaan dengan harapan
bahwa perusahaan yang terlibat mampu meningkatkan kinerja keuangan dan memberikan
kontribusinya untuk mendukung pertumbuhan ekonomi melalui inovasi digital.
BAGI mendapatkan penghargaan pada kategori Enhancing Service Quality through
Comprehensive Digital Innovation.
The Indonesia Best Digital Finance Award 2024, themed “Prioritizing Access to Digital
Services and Cybersecurity Assurance,” is an award event aimed at encouraging participants
to enhance their financial performance and contribute to economic growth through digital
innovation.
BAGI received an award in the category of Enhancing Service Quality through
Comprehensive Digital Innovation.
24 Oktober 2024 I October 24, 2024
Prima Awards 2024
Prima Awards 2024 in Collaboration with Infobank adalah Penghargaan yang
diselenggarakan oleh Prima Awards dan InfoBank. Penghargaan ini bertujuan untuk
memberikan apresiasi berdasarkan volume transaksi. Terdapat 66 kriteria penilaian yang
ditentukan berdasarkan Volume Transaksi di Jaringan Prima dengan data perhitungan
transaksi periode waktu Juli 2023 sampai Juni 2024.
BAGI mendapatkan penghargaan pada kategori Best Acquirer Bank (All Features).
Prima Awards 2024 in Collaboration with Infobank is an award organized by Prima Awards
and Infobank. The award aims to give recognition based on transaction volume. A total of 66
assessment criteria are determined based on transaction volumes within the Prima Network,
using transaction data from the period of July 2023 to June 2024.
BAGI was awarded in the Best Acquirer Bank (All Features) category.
8 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
29 November 2024 I November 29, 2024
BI Award 2024
BI Awards 2024 disampaikan dalam rangkaian acara Pertemuan Tahunan Bank Indonesia
(PTBI) 2024. Penghargaan ini diberikan untuk mengapresiasi perusahaan yang berkontribusi
dalam memajukan ekonomi nasional melalui berbagai layanan.
BAGI mendapatkan penghargaan pada kategori Peserta SKNBI dan KPDHN Terbaik
Bank KBMI 1 dan 2.
The BI Awards 2024 were presented as part of the 2024 Bank Indonesia Annual Meeting
(PTBI). This award recognizes companies that have contributed to advancing the national
economy through various services.
BAGI received an award in the category of Best SKNBI and KPDHN Participant among
KBMI 1 and 2 Banks.
29 Mei 2023 - 28 Mei 2026 I May 29, 2023 - May 28, 2026
Sertifikasi ISO/IEC 27001:2013
Sesuai dengan ketentuan dari ISO 27001, semua lembaga pemilik Sertifikasi ISO 27001
wajib melakukan audit surveillance setiap tahun, maka di tahun 2024 telah dilakukan audit
surveillance oleh Bureau Veritas sebagai otoritas yang mengeluarkan sertifikat ISO 27001
pada tanggal 7-8 Mei 2024 dengan hasil tidak adanya temuan audit, dan mendapatkan
rekomendasi untuk melakukan upgrade di tahun 2025 dari ISO 27001:2013 menjadi
ISO 27001:2022.
Audit surveillance ini untuk melakukan verifikasi dan validasi bahwa semua proses kerja
yang di lakukan masih sesuai dengan Kebijakan Prosedur yang sesuai dengan ketentuan
ISO 27001.
In accordance with the provisions of ISO 27001, all institutions holding ISO 27001
Certification are required to undergo an annual surveillance audit. In 2024, a surveillance
audit was conducted by Bureau Veritas, the certifying authority, on May 7-8, 2024. The audit
resulted in no findings and a recommendation to upgrade the certification in 2025 from ISO
27001:2013 to ISO 27001:2022
This surveillance audit serves to verify and validate that all operational processes remain in
compliance with procedural policies as stipulated by ISO 27001 requirements.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 9
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
DAFTAR ISI
Table of Contents
Sanggahan dan Batasan Tanggung Jawab
2 Disclaimer and Scope of Responsibility BAB 3 - Profil Perusahaan | Company Profile
Penjelasan Tema
3 Theme Explanation 72
Identitas Perusahaan
Corporate Identity
Kesinambungan Tema
4 Theme Continuity 74
Visi, Misi, dan Nilai-Nilai Perusahaan
Vision, Mission, and Corporate Values
Pencapaian Penting 2024
6 Significant Achivements in 2024 76
Logo Perusahaan
Company Logo
Penghargaan dan Sertifikasi
8 Award and Certifications 77
Riwayat Singkat Perusahaan
Brief Company History
Daftar isi
10 Table of Contents 80
Jejak Langkah
Milestone
Kegiatan Usaha
83 Business Activities
BAB 1 - Kilas Kinerja | Performance Highlights Produk dan Jasa
85 Product and Services
Ikhtisar Data Keuangan
16 Key Financial Highlights Peta Jaringan Bisnis dan Wilayah Operasi
92 Maps of Business Network and Operational Area
Ikhtisar Operasional
23 Operational Highlights Jumlah Kantor Berdasarkan Jenis Kantor
95 Number of Offices by Office Type
Ikhtisar Kinerja Keberlanjutan
24 Sustainability Performance Overview Keanggotaan dalam Asosiasi
96 Association Membership
Ikhtisar Saham
26 Share Highlights Struktur Organisasi
98 Organizational Structure
Ikhtisar Efek Lainnya
29 Other Highlights on Securities Profil Dewan Komisaris
100 Board of Commissioners Profile
Peristiwa Penting
30 Significant Events Profil Direksi
104 Board of Directors Profile
Pejabat Eksekutif
109 Executive Officials
BAB 2 - Laporan Manajemen | Management Report
Demografi Karyawan
117 Employee Demographics
Laporan Dewan Komisaris
40 Board of Commissioners Report Struktur dan Komposisi Pemegang Saham
120 Shareholder Structure and Composition
Laporan Direksi
54 Board of Directors Report Kronologi Penerbitan dan/atau Pencatatan Saham
123 Chronology of Share Issuances and/or Listings
Kronologi Penerbitan dan/atau Pencatatan Efek Lainnya
125 Chronology of Issuance and/or Listing of Other Securities
Lembaga dan/atau Profesi Penunjang Pasar Modal
126 Capital Market Supporting Institutions and/or Professions
Website Bank
127 Bank’s Website
Alamat Kantor Cabang & Kantor Cabang Pembantu
128 Addresses of Branch Offices & Sub-Branch Offices
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Dewan Komisaris
BAB 4 - Analisis dan Pembahasan Manajemen | 233 Board of Commissioners
Management Discussion and Analysis Direksi
246 Board of Directors
Tinjauan Ekonomi dan Industri
Economic and Industry Review Dewan Pengawas Syariah
• Analisis Ekonomi Global 261 Sharia Supervisory Board
Global Economic Analysis
136 • Analisis Ekonomi Indonesia Kebijakan Pengungkapan Informasi dan Benturan
Indonesia Economic Analysis 261 Kepentingan
• Analisis Industri Perbankan Information Disclosure and Conflict of Interest Policy
Banking Industry Analysis
Rangkap Jabatan Dewan Komisaris dan Direksi
Strategi Bank Artha Graha Internasional 2024 263 Concurrent Positions of Board of Commissioners and Board of
141 Bank Artha Graha Internasional Strategy In 2024 Directors
Tinjauan Operasional Hubungan Afiliasi Dewan Komisaris dan Direksi
Operational Review 265 Affiliate Relationship between of Board of Commissioners and
• Aspek Pemasaran Board of Directors
146 Marketing Aspects
• Pangsa Pasar Kebijakan Keberagaman Dewan Komisaris dan
Market Share 267 Direksi
Diversity Policy of Board of Commissioners and Board of Directors
Prospek Usaha dan Strategi Pengembangan Bisnis
148 Business Prospects and Development Strategy Penilaian Kinerja Dewan Komisaris dan Direksi
268 Performance Assessment of Board of Commissioners and Directors
Tinjauan Per Segmen Operasi
151 Operating Segment Review Nominasi dan Remunerasi Direksi dan Dewan
Komisaris
Tinjauan Keuangan 269
156 Financial Review
Remuneration and Nomination of Board of Directors and Board
of Commisioners
Tinjauan Pendukung Bisnis
190 Business Support Review 279
Organ Pendukung Dewan Komisaris
Supporting Organs of the Board of Commissioners
Human Capital
190 Human Capital 279
Komite Audit
Audit Committee
Teknologi Informasi dan Perbankan Digital
197 Information Technology and Digital Banking 292
Komite Nominasi dan Remunerasi
Remuneration and Nomination Committee
Komite Pemantau Risiko
299 Risk Monitoring Committee
BAB 5 - Tata Kelola Perusahaan | Corporate Organ Pendukung Direksi
Governance 306 Supporting Organs of Board of Directors
Komite Kredit
Komitmen, Dasar Penerapan, dan Prinsip 306 Credit Committee
Tata Kelola Perusahaan
208 Commitment, Foundation Implementation, and Principles of Komite Asset dan Liabilitas
Corporate Governance 311 Assets and Liabilities Committee
Dasar Penerapan Tata Kelola Perusahaan Komite Manajemen Risiko
208 Basis for Corporate Governance Implementation 315 Risk Management Committee
Perkembangan Penerapan Tata Kelola Komite Pengarah Teknologi Informasi
Perusahaan yang Baik di Lingkup Perusahaan 320 Information Technology Steering Committee
214 Developments in the Implementation of Good Corporate
Governance within the Company Komite Human Capital
325 Human Capital Committee
Struktur dan Proses Tata Kelola
217 Governance Structure and Process Komite Kebijakan Perkreditan
330 Credit Policy Committee
Rapat Umum Pemegang Saham
220 General Meeting of Shareholders
2024 Annual Report PT Bank Artha Graha Internasional Tbk 11
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Komite Produk Pembelian Kembali Saham dan/atau Obligasi Bank
333 Product Committee 377 Repurchase of Bank Shares and/or Bonds
Sekretaris Perusahaan Transaksi Afilliasi dan Benturan Kepentingan
337 Corporate Secretary 377 Related Party Transactions and Conflicts of
Interest
Internal Audit
342 Internal Audit Rencana Korporasi Bank
378 Bank Corporate Plan
Akuntan Publik
349 Public Accountant Integritas Pelaporan dan Sistem Teknologi Informasi
379 Integrity of Reporting and Information Technology Systems
Fungsi Kepatuhan
351 Compliance Function Strategi Anti Fraud, Anti Penyuapan dan Gratifikasi
380 Anti-Fraud, Anti-Bribery, and Gratification Strategy
Program APU, PPT & PPPSPM
354 AML, CTF & PF-WMD Program Penerapan atas Pedoman Tata Kelola Perusahaan Terbuka
380 Implementation of Public Company Governance Guidelines
Sistem Pengendalian Internal
357 Internal Control System Transparansi Praktik Bad Governance
392 Transparency of Bad Governance Practices
Perkara Hukum
360 Legal Cases Permodalan dan Manajemen Risiko
393 Capital and Risk Management
Sanksi Administratif
360 Administrative Sanction Pengungkapan Eksposur Risiko dan Penerapan
Manajemen Risiko
Akses Informasi dan Data Perusahaan 405 Disclosure of Risk Exposure and Implementation of Risk
361 Access to Company Information and Data Management
Transparansi Kondisi Keuangan dan Non-Keuangan Tinjauan atas Efektivitas Sistem Manajemen Risiko
Perusahaan 418 Perusahaan
364 Transparency of Company’s Financial and Non-Financial Overview of the Bank’s Management System Effectiveness
Conditions
Pemberian Dana untuk Kegiatan Sosial dan/atau Politik
365 Provision of Funds for Social and/or Political Activities
BAB 6 - Tanggung Jawab Sosial Pengamanan
Penyediaan Dana kepada Pihak Terkait
365 Provision of Funds to Related Parties Perusahaan | Corporate Social Safety Responsibility
Pelanggaran (Fraud) Internal Tanggung Jawab Sosial Pengamanan
366 Internal Fraud 486 Perusahaan
Corporate Social Safety Responsibility
Kode Etik
367 Code of Conduct Tanggung Jawab Sosial dan Lingkungan
486 Social and Environmental Responsibility
Sistem Pelaporan Pelanggaran
370 Whistleblowing System Surat Pernyataan Anggota Dewan Komisaris
dan Anggota Direksi
Laporan Pelaksanaan Tata Kelola Terintegrasi 488
374 Integrated Governance Implementation Report
Statement of Members of The Board of Commissioners
and the Board of Directors
Pemenuhan Penyampaian Laporan Keberlanjutan 2024
374 Fulfillment of 2024 Sustainability Report Submission
Indeks Pemenuhan SE-OJK 16-21 - AR BAGI 2024
490 Compliance Index of OJK Circular Letter 16-21 - Annual Report
Pengungkapan Kepemilikan Saham Anggota Direksi dan for 2024
Anggota Dewan Komisaris
376 Disclosure of Share Ownership of Members of Board of Directors
and Commissioners
Kebijakan Pemberian Kompensasi Jangka Panjang Berbasis
BAB 7 - Laporan Keuangan | Financial Statements
Kinerja kepada Manajemen dan/atau Karyawan
376 Provision of Long-term Performance Based Compensation to
Management and/or Employees
Kebijakan Anti Fraud
376 Anti-Fraud Policy
Kebijakan Pengadaan Barang dan Jasa
376 Goods and Services Procurement Policy
12 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 13
Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Halaman ini sengaja dikosongkan.
This page is intentionally left blank.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 13
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
01
Kilas Kinerja
Performance Highlights
Melalui penerapan strategi
yang efektif, Bank Artha Graha
Internasional melanjutkan tren
pertumbuhan positif di
tahun 2024.
By implementing effective strategies, Bank
Artha Graha Internasional will continue its
positive growth trend in 2024.
14 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
2024 Annual Report PT Bank Artha Graha Internasional Tbk 15
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
IKHTISAR DATA KEUANGAN
Key Financial Highlights
Laporan Posisi Keuangan dalam juta Rupiah
Statement of Financial Position in million Rupiah
Keterangan
2024 2023 2022 2021 2020
Description
Aset
Assets
Kas
769.354 369.134 290.754 276.539 286.779
Cash
Giro pada Bank Indonesia
3.024.920 2.658.276 2.937.933 1.532.310 926.163
Current Accounts in Bank Indonesia
Giro pada Bank Lain - Bersih
349.430 338.297 375.060 720.418 558.976
Current Accounts in Other Banks
Penempatan pada Bank Indonesia dan Bank Lain
2.177.464 711.075 1.378.005 1.973.527 1.097.187
Placements in Bank Indonesia and Other Banks
Efek-Efek
8.501.562 5.787.414 4.045.146 2.839.888 1.653.004
Securities
Wesel Ekspor
166.681 131.863 - - -
Export bills
Efek-Efek yang Dibeli dengan Janji Dijual Kembali
976.063 125.469 1.678.795 2.700.350 8.079.169
Securities Purchased Under Agreement to Sell
Tagihan Derivatif
48 35 143 2.049 -
Derivatives Receivables
Kredit yang Diberikan - Bersih
10.073.572 11.636.733 9.705.183 10.816.904 11.982.582
Loans-Net
Pendapatan Bunga yang Masih Akan Diterima
253.265 326.422 365.947 344.590 291.889
Accrued Interest Receivable
Pajak Dibayar Dimuka
- - - - 12.380
Prepaid Taxes
Biaya Dibayar Dimuka
122.810 144.641 156.451 173.355 213.844
Prepaid Expense
Tagihan Akseptasi
166.025 131.362 276.735 259.213 143.978
Acceptance Receivables
Penyertaan Saham
6 6 6 6 137
Investment in Shares
Aset Tetap - Bersih
2.123.376 2.127.797 2.078.315 2.106.653 2.065.208
Fixed Assets-Net
Aset Tak Berwujud - Bersih
25.487 31.873 31.164 32.731 36.606
Intangible Assets-Net
Agunan yang Diambil Alih -Bersih
808.883 936.110 1.223.296 1.829.689 2.650.061
Foreclosed Assets-Net
Aset Pajak Tangguhan
229.681 270.760 304.870 317.941 288.547
Deferred Tax Assets
Aset Lain-Lain - Bersih
357.766 376.344 589.830 201.657 240.455
Other Assets-Net
Jumlah Aset
30.126.393 26.103.611 25.437.633 26.127.820 30.526.965
Total Assets
16 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Laporan Posisi Keuangan dalam juta Rupiah
Statement of Financial Position in million Rupiah
Keterangan
2024 2023 2022 2021 2020
Description
LIABILITAS
Liabilities
Liabilitas Segera
115.621 95.711 87.094 59.694 64.494
Liabilities Due Immediately
Simpanan dari Nasabah
23.890.773 20.631.701 20.325.078 21.005.956 25.500.329
Deposits from Customers
Simpanan dari Bank Lain
452.454 336.958 18.641 18.117 121.613
Deposits from Other Banks
Liabilitas Efek yang Dijual dengan Janji Dibeli Kembali
499.281 - - - -
Securities Sold under Agreement
Liabilitas Derivatif
- 1.057 33 77 -
Derivative Liabilities
Liabilitas Akseptasi
166.682 131.863 277.445 259.917 144.390
Acceptance Liabilities
Utang Pajak
15.189 11.713 10.870 11.862 9.364
Taxes Payable
Bunga Masih Harus Dibayar
35.100 26.693 18.438 24.096 74.503
Accrued Interest Payable
Liabilitas Imbalan Pascakerja
99.151 118.875 124.006 153.778 242.279
Post-Employment Benefit Liabilities
Pinjaman Subordinasi
- - - - -
Subordinated Loans
LTN Subordinasi
200.000 200.000 200.000 200.000 200.000
Subordinated LTN
Liabilitas Lain-Lain
312.446 378.007 371.658 440.374 610.458
Other Liabilities
Jumlah Liabilitas
25.786.697 21.932.578 21.433.263 22.173.871 26.967.430
Total Liabilities
Ekuitas
Equity
Modal Saham
2.242.372 2.242.372 2.242.372 2.242.372 1.751.482
Share Capital
Tambahan Modal Disetor
415.285 415.285 415.285 415.285 414.753
Additional Paid-in Capital
Revaluasi Aset Tetap
1.379.822 1.379.822 1.349.281 1.349.281 1.303.818
Revaluation Surplus of Fixed Assets
2024 Annual Report PT Bank Artha Graha Internasional Tbk 17
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Laporan Posisi Keuangan dalam juta Rupiah
Statement of Financial Position in million Rupiah
Keterangan
2024 2023 2022 2021 2020
Description
Pengukuran Kembali Program Imbalan Pasti setelah
Dikurangi Pajak
78.699 61.575 60.364 46.792 12.741
Remeasurement of Defined Benefits Program
after Tax
Keuntungan yang Belum di Realisasi atas Perubahan
Nilai Wajar Efek-Efek yang Tersedia untuk Dijual,
setelah Pajak 1.407 2.342 14.184 32.332t 40.791
Unrealized Gain on Changes in Fair Value of
Available-for-Sale Securities, after Tax
Saldo Laba
222.111 69.637 (77.116) (132.113) 35.950
Retained Earnings
Jumlah Ekuitas
4.339.696 4.171.033 4.004.370 3.953.949 3.559.535
Total Equity
Jumlah Liabilitas dan Ekuitas
30.126.393 26.103.611 25.437.633 26.127.820 30.526.965
Total Liabilities and Equity
Jumlah Aset dalam juta Rupiah
Jumlah Liabilitas dalam juta Rupiah
Total Assets in million Rupiah Total Liabilities in million Rupiah
30.526.965 26.967.430
30.126.393 25.786.697
26.103.611 25.437.633 26.127.820 21.932.578 21.433.263 22.173.871
2024 2023 2022 2021 2020 2024 2023 2022 2021 2020
Jumlah Ekuitas dalam juta Rupiah
Total Equity in million Rupiah
4.339.696 4.171.033
4.004.370 3.953.949
3.559.535
2024 2023 2022 2021 2020
18 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain dalam juta Rupiah
Statements of Profit (Loss) and Other Comprehensive Income in million Rupiah
Keterangan
2024 2023 2022 2021 2020
Description
Pendapatan dan Beban Operasional
Operational Income and Liabilities
Pendapatan Bunga
1.646.064 1.484.753 1.441.977 1.534.022 1.688.028
Interest Income
Beban Bunga
(735.995) (502.774) (491.344) (766.265) (1.056.241)
Interest Expenses
Pendapatan Bunga - Bersih
910.069 981.979 950.633 767.757 631.787
Interest Income-Net
Pendapatan dan Beban Operasional Lainnya
Other Operational Income and Expenses
Pendapatan Operasional Lainnya
357.585 312.618 167.121 306.729 115.873
Other Operational Income
Beban Operasional Lainnya
(1.070.387) (1.107.521) (1.054.743) (1.278.397) (704.784)
Other Operational Expenses
Laba (Rugi) Operasional
197.267 187.076 63.011 (203.911) 42.876
Operational Profit (Loss)
Pendapatan (Beban) Non-Operasional - Bersih
(7.512) (3.719) 6.130 451 (12.454)
Non-Operational Income and Expenses - Net
Laba (Rugi) Sebelum Beban Pajak
189.755 183.357 69.141 (203.460) 30.422
Profit (Loss) Before Tax Expenses
Beban Pajak
(37.281) (36.604) (14.144) 35.397 (9.051)
Tax Expenses
Laba (Rugi) Tahun Berjalan
152.474 146.753 54.997 (168.063) 21.371
Liabilities Due Immediately
Penghasilan (Rugi) Komprehensif Lain
16.189 19.910 (4.576) 71.055 50.434
Other Comprehensive Income and (Loss)
Jumlah Laba (Rugi) Komprehensif
168.663 166.663 50.421 (97.008) 71.805
Total Comprehensive Profit (Loss)
Laba (Rugi) per Saham Dasar (Rupiah Penuh)
7,54 7,26 2,72 (8,31) 1,35
Profit (Loss) per Share (Full Rupiah)
2024 Annual Report PT Bank Artha Graha Internasional Tbk 19
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Laporan Arus Kas dalam juta Rupiah
Statement of Cash Flow in million Rupiah
Keterangan
2024 2023 2022 2021 2020
Description
Arus Kas Diperoleh dan/(digunakan untuk) Kegiatan Operasi
5.831.023 (464.102) 604.832 (3.034.360) 5.121.893
Cash Flow Provided from/(Used by) Operating Activities
Arus Kas Diperoleh dan/(digunakan untuk) Kegiatan Investasi
(3.613.942) (438.430) (150.970) 4.170.396 (6.276.573)
Cash Flow Provided from/(Used by) Investing Activities
Arus Kas Diperoleh dan/(digunakan untuk) Kegiatan Pendanaan
- - - 491.422 200.000
Cash Flow Provided from/(Used by) Financing Activities
Kenaikan/(Penurunan) Kas dan Setara Kas - Neto
2.217.081 (902.532) 453.862 1.627.458 (954.680)
Increase/(Decrease) in Cash and Cash Equivalents - Net
Kas dan Setara Kas pada Awal Tahun
4.076.785 4.982.095 4.503.130 2.869.279 3.816.420
Cash and Cash Equivalents at the Beginning of the Year
Kas dan Setara Kas pada Akhir Tahun
6.321.257 4.076.785 4.982.095 4.503.130 2.869.279
Cash and Cash Equivalents at the End of the Year
Pendapatan Bunga dalam juta Rupiah
Beban Bunga dalam juta Rupiah
Interest Income in million Rupiah Interest Expense in million Rupiah
1.056.241
1.646.064 1.688.028
1.534.022
1.484.753 1.441.977 766.265
735.995
502.774 491.344
2024 2023 2022 2021 2020 2024 2023 2022 2021 2020
Rasio Keuangan dan Kepatuhan dalam persentase (%)
Financial and Compliance Ratios in percentage (%)
Keterangan
2024 2023 2022 2021 2020
Description
Rasio Permodalan
Capital Ratio
KPMM dengan Memperhitungkan Risiko Kredit dan Risiko Operasional
26,55 25,48 23,82 22,36 16,66
CAR by Calculating Credit Risk and Operational Risk
KPMM dengan Memperhitungkan Risiko Kredit, Risiko Operasional, dan
Risiko Pasar 26,35 24,96 23,31 21,77 16,37
CAR by Calculating Credit Risk, Operational Risk, and Market Risk
Aset Tetap terhadap Modal
53,54 54,70 56,89 57,00 69,26
Fixed Assets to Capital
20 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Rasio Keuangan dan Kepatuhan dalam persentase (%)
Financial and Compliance Ratios in percentage (%)
Keterangan
2024 2023 2022 2021 2020
Description
Aset Produktif
Earning Assets
Aset Produktif dan Non-Produktif Bermasalah terhadap Total Aset Produktif
dan Aset Non Produktif
5,25 7,12 6,51 8,57 6,43
Non-Performing Earning and Non-Earning Assets to Total Earning and
Non-Earning Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif
0,98 1,09 1,55 1,95 2,38
Non-Performing Earning Assets to Total Productive Assets
Cadangan Kerugian Penurunan Nilai Aset Keuangan terhadap Aset Produktif
2,05 2,64 2,93 3,33 1,92
Allowance for Impairment Losses for Financial Assets to Earning Assets
Pemenuhan CKPN Kredit yang Diberikan
88,46 103,99 96,31 103,87 58,46
Fixed Fulfillment of CKPN on Disbursed Loans
Rasio Kredit Bermasalah (NPL) - Bruto
2,40 1,74 2,73 3,39 4,58
Non-Performing Loans (NPL) to Total Loans - Gross
Rasio Kredit Bermasalah (NPL) - Bersih
0,77 0,31 0,41 0,32 3,14
Non-Performing Loans (NPL) to Total Loans - Net
Rasio Rentabilitas
Rentability Ratio
Rasio Laba Setelah Pajak terhadap Rata-Rata Aset (ROA)
0,55 0,60 0,25 (0,73) 0,11
Return on Assets (ROA)
Rasio Laba Setelah Pajak terhadap Rata-Rata Ekuitas (ROE)
4,23 4,24 1,63 (6,02) 0,81
Return on Equity (ROE)
Margin Bunga Bersih (NIM)
4,07 5,58 4,79 3,62 2,99
Net Interest Margin (NIM)
Beban Operasional Lain terhadap Penghasilan Operasional (BOPO)
90,32 90,11 96,26 111,09 97,75
Operating Expense to Operating Income (BOPO)
Liabilitas terhadap Aset
85,59 84,02 84,26 84,87 88,34
Liabilities to Assets
Liabilitas terhadap Ekuitas
594,20 525,83 535,25 560,80 757,61
Liabilities to Equity
Laba (Rugi) terhadap Pendapatan Bunga
9,26 9,88 3,81 (10,96) 1,27
Profit (Loss) to Interest Income
Cost to Income (CIR)
78,64 78,05 69,05 67,58 103,89
Cost to Income (CIR)
2024 Annual Report PT Bank Artha Graha Internasional Tbk 21
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Rasio Keuangan dan Kepatuhan dalam persentase (%)
Financial and Compliance Ratios in percentage (%)
Keterangan
2024 2023 2022 2021 2020
Description
Rasio Likuiditas
Liquidity Ratio
Rasio Intermediasi Makroprudensial (RIM)
55,26 58,03 54,92 58,47 49,60
Macroprudential Intermediation Ratios (RIM)
Current Account Savings Account (CASA)
34,96 39,50 41,13 35,23 24,72
Current Account Savings Account (CASA)
Rasio Kepatuhan
Compliance Ratio
Persentase Pelanggaran BMPK
- - - - -
Percentage of Violation of Legal Lending Limit
Pihak Terkait
- - - - -
Related Parties
Pihak Tidak Terkait
- - - - -
Third Parties
Persentase Pelampauan BMPK
- - - - -
Percentage of Excess of Legal Lending Limit
Pihak Terkait
- - - - -
Related Parties
Pihak Tidak Terkait
- - - - -
Third Parties
GWM Rupiah
13,03 12,73 13,77 6,46 3,52
GWM Rupiah
GWM Valuta Asing
4,36 4,96 4,44 5,56 5,13
GWM Foreign Currency
Posisi Devisa Net
0,63 0,81 0,82 2,14 0,63
Net Open Position
22 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
IKHTISAR OPERASIONAL
Operational Highlights
Kinerja Operasional dalam jutaan Rupiah
Operational Highlights in million Rupiah
Keterangan 2024 2023 2022 2021 2020
Dana Pihak Ketiga
Third Party Funds
Tabungan
1.834.505 1.517.590 1.601.653 1.597.032 1.513.106
Savings
Giro
6.517.641 6.631.415 6.757.738 5.804.329 4.791.305
Demand Deposits
Deposito
15.538.627 12.482.696 11.965.687 13.604.595 19.195.918
Time Deposits
Total Dana Pihak Ketiga
23.890.773 20.631.701 20.325.078 21.005.956 25.500.329
Total Third Party Funds
Kredit
Loans
Kredit Produktif 8.264.969 9.598.721 7.476.792 8.476.965 9.451.985
Productive Loans
Kredit Konsumtif 2.340.510 2.548.648 2.752.978 3.003.007 2.990.529
Consumtive Loans
Total Kredit
10.605.479 12.147.369 10.229.770 11.479.972 12.442.514
Total Loans
Dana Pihak Ketiga Kredit yang Diberikan
Third-Party Funds dalam juta Rupiah
Loans dalam juta Rupiah
in million Rupiah in million Rupiah
23.890.773 25.500.329 12.147.369 12.442.514
11.479.972
20.325.078 21.005.956 10.605.479
20.631.701 10.229.770
2024 2023 2022 2021 2020 2024 2023 2022 2021 2020
2024 Annual Report PT Bank Artha Graha Internasional Tbk 23
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Informasi Lainnya dalam satuan
Other Information in unit
Keterangan
2024 2023 2022 2021 2020
Description
Total Kantor Cabang
32 32 32 32 32
Total Branch Offices
Total Kantor Cabang Pembantu
33 34 35 36 40
Total Sub-Branch Offices
Total Kantor Kas
- - - - 2
Total Cash Offices
Total ATM
156 153 131 118 124
Total ATM
Total Payment Point
- - - - 6
Total Payment Point
Total Karyawan (orang)
1.279 1.463 1.487 1.581 1.787
Total Employees (people)
IKHTISAR KINERJA KEBERLANJUTAN
Sustainability Performance Overview
Aspek Ekonomi
Economic Aspect
Keterangan Satuan
2024 2023 2022 2021 2020
Description Unit
Kinerja Ekonomi
Economic Performance
Pembayaran Pajak dan Retribusi Rp Juta
190.911 135.611 129.477 185.925 243.008
Tax and Levy Payment Million Rp
Pembiayaan Non-Kegiatan Usaha Berkelanjutan Rp Juta
10.228.445 11.818.488 9.764.884 10.729.091 11.405.775
Financing of Non-Sustainable Business Activities Million Rp
Pembiayaan Kegiatan Usaha Berkelanjutan Rp Juta
377.034 328.880 464.886 749.225 1.036.740
Financing Sustainable Business Activities Million Rp
% Pembiayaan Kegiatan Usaha Berkelanjutan dari
Total Pembiayaan
% 3,56 2,71 4,54 6,53 8,33
% of Financing Sustainable Business Activities from
Total Funding
Nilai Pinjaman menurut Segmen
Loan Amount by Segment
Perorangan Rp Juta
3.454.793 3.828.338 2.753.214 3.003.214 2.990.716
Personal Million Rp
Badan Usaha Mikro, Kecil & Menengah Rp Juta
229.351 186.247 399.980 682.188 929.752
Micro, Small & Medium Enterprises Million Rp
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Aspek Ekonomi
Economic Aspect
Keterangan Satuan
2024 2023 2022 2021 2020
Description Unit
Badan Usaha Korporasi & Komersil Rp Juta
6.921.335 8.132.783 7.076.576 7.794.571 8.482.046
Corporate & Commmercial Enterprises Million Rp
Kerja Sama dengan Pemasok Lokal
Cooperation with Local Supplier
Jumlah Pemasok Lokal Jumlah Mitra
Total Local Suppliers Number of 445 516 308 171 210
Partners
Nilai Kerja Sama Rp Juta
166.211 158.792 111.600 82.224 44.316
Cooperation Value Million Rp
Kinerja Aspek Ekonomi terkait Keberlanjutan sebagai Produk Ramah Lingkungan
Performance of Economic Aspects related to Sustainability as Environmentally Friendly Products
Jenis produk yang Memenuhi Kriteria Kegiatan
Usaha Berkelanjutan (KKUB) Unit Produk
2 2 3 3 3
Types of Products that meet the Criteria for Product Units
Sustainable Business Activities (KKUB)
Nominal Produk dan/atau Jasa yang Memenuhi
Kriteria Kegiatan Usaha Berkelanjutan (KKUB) Rp Juta
377.034 328.880 464.886 749.225 1.036.740
Nominal Products and/or Services that meet the Million Rp
Criteria for Sustainable Business Activities (KKUB)
Persentase Total Portofolio Kegiatan Usaha Berkelanjutan terhadap Total Portofolio (%)
Percentage of Total Portfolio of Sustainable Business Activities to Total Portfolio (%)
Penghimpunan Dana
% - - - - -
Fundraising
Penyaluran Dana
% 3,56 2,71 4,54 6,53 8,33
Fund Distribution
Kinerja Keuangan Inklusif
Inclusive Finance Performance
Perkembangan Laku Pandai:
Progress of Laku Pandai:
Jumlah Agen Agen
27 27 27 29 98
Number of Agents Agent
Nominal Produk dan/atau Jasa yang Disediakan
oleh Agen Rp Juta
213,1 213,9 228,8 248,5 249,4
Nominal of Products and/or Services Provided by Million Rp
Agents
Jumlah Peserta Literasi Keuangan Orang
1.422 1.356 522 518 533
Number of Financial Literacy Participants People
2024 Annual Report PT Bank Artha Graha Internasional Tbk 25
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
IKHTISAR SAHAM
Share Highlights
PENAWARAN SAHAM PERDANA INITIAL PUBLIC OFFERING
Pada tanggal 10 Juli 1990, Bank memperoleh pernyataan On July 10, 1990, the Bank obtained an effective statement
efektif dari Ketua Badan Pengawas Pasar Modal (Bapepam) from the Chairman of the Capital Market Supervisory Agency
berdasarkan Surat No. SI-124/SHM/MK.10/1990 untuk (Bapepam) through Letter No. SI-124/SHM/MK.10/1990 to
melakukan Penawaran Umum Saham Perdana kepada conduct an Initial Public Offering of 5,000,000 shares with a
masyarakat sejumlah 5.000.000 saham dengan nilai nominal nominal value of IDR1,000 (one thousand Rupiah) per share,
Rp1.000 (Rupiah penuh) per saham yang merupakan 20% representing 20% of the issued capital. On August 23, 1990,
dari modal yang ditempatkan. Pada tanggal 23 Agustus 1990, the shares were listed on the Jakarta Stock Exchange and the
saham tersebut masing-masing dicatatkan pada Bursa Efek Surabaya Stock Exchange, which are now collectively known as
Jakarta dan Bursa Efek Surabaya atau saat ini dikenal sebagai the Indonesia Stock Exchange.
Bursa Efek Indonesia.
Kinerja Perdagangan Saham
Share Trading Performance
2024
Harga Saham Jumlah Saham
Share Price Volume Beredar (lembar
Kapitalisasi Pasar (Rp)
Periode Transaksi saham)
Market Capitalization
Period Transaction Number of
Tertinggi Terendah Penutupan (IDR)
Volume Outstanding
Highest Lowest Closing
Shares (in shares)
Triwulan I 78 65 69 130.369.600 20.223.412.907 1.395.415.490.583
Quarter I
Triwulan II 69 50 58 97.483.200 20.223.412.907 1.172.957.948.606
Quarter II
Triwulan III 76 50 68 251.213.100 20.223.412,907 1.375.192.077.676
Quarter III
Triwulan IV 448 63 214 6.608.840.800 20.223.412.907 4.327.810.362.098
Quarter IV
2023
Harga Saham Jumlah Saham
Share Price Volume Beredar (lembar
Kapitalisasi Pasar (Rp)
Periode Transaksi saham)
Market Capitalization
Period Transaction Number of
Tertinggi Terendah Penutupan (IDR)
Volume Outstanding
Highest Lowest Closing
Shares (in shares)
Triwulan I 77 64 66 93.706.300 20.223.412.907 1.334.745.251.862
Quarter I
Triwulan II 71 61 67 98.374.500 20.223.412.907 1.354.968.664.769
Quarter II
Triwulan III 83 66 74 274.764.300 20.223.412.907 1.496.532.555.118
Quarter III
Triwulan IV 87 64 73 251.234.300 20.223.412.907 1.476.309.142.211
Quarter IV
26 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Grafik Pergerakan Harga Saham
Graphic of Share Trading Movement
500 800.000.000
450
700.000.000
400
600.000.000
350
300 500.000.000
250 400.000.000
200
300.000.000
150
200.000.000
100
50 100.000.000
0 0
31 Jan 24 29 Feb 24 28 Mar 24 30 Apr 24 31 May 24 28 Jun 24 31 Jul 24 30 Aug 24 30 Sep 24 31 Oct 24 29 Nov 24 30 Dec 24
Volume Close
SUSPENSI PERDAGANGAN SAHAM DAN/ATAU SHARE TRADING SUSPENSION AND/OR
DELISTING DELISTING
Untuk tahun buku periode yang berakhir pada tanggal 31 For the finacial year ending December 31, 2024, Bank Artha
Desember 2024, Bank Artha Graha Internasional mengalami Graha Internasional experienced 3 (three) temporary trading
3 (tiga) kali penghentian sementara perdagangan saham suspensions. The 3 (three) suspensions were due to a cumulative
(suspension). Suspensi sebanyak 3 (tiga) kali disebabkan adanya increase in the Bank’s share price in the fourth quarter of 2024,
peningkatan harga kumulatif saham pada quartal-4 tahun with details as follows:
2024, dengan rincian sebagai berikut:
1. Berdasarkan surat pengumuman Bursa No. Peng- 1. Based on the Indonesia Stock Exchange announcement
SPT-00118/BEI.WAS/10-2024 tanggal 24 Oktober letter No. Peng-SPT-00118/BEI.WAS/10-2024 dated
2024 disebabkan dengan terjadinya peningkatan harga October 24, 2024, the suspension was imposed due to
kumulatif yang signifikan pada Saham Bank Artha Graha a significant cumulative increase in the share price of
Internasional (INPC), dalam rangka cooling down, PT Bank Artha Graha Internasional (INPC). As a cooling-
Bursa Efek Indonesia memandang perlu untuk melakukan down measure, the Indonesia Stock Exchange deemed
penghentian sementara perdagangan Saham pada it necessary to temporarily suspend trading of the shares
perdagangan tanggal 25 Oktober 2024. on October 25, 2024.
Penghentian sementara perdagangan Saham INPC The temporary suspension of INPC shares was carried
tersebut dilakukan di Pasar Reguler dan Pasar Tunai out in both the Regular Market and Cash Market, with the
dengan tujuan untuk memberikan waktu yang memadai aim of providing sufficient time for market participants to
bagi pelaku pasar untuk mempertimbangkan secara carefully consider available information before making any
matang berdasarkan informasi yang ada dalam setiap investment decisions regarding INPC shares.
pengambilan keputusan investasinya di Saham INPC.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 27
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Suspensi atas perdagangan Saham INPC di Pasar Reguler The suspension of INPC shares on all markets (Regular and
dan Pasar Tunai di Seluruh Pasar dibuka kembali mulai Cash Markets) was lifted, and trading resumed in the first
perdagangan sesi I tanggal 28 Oktober 2024 berdasarkan session on October 28, 2024, based on Exchange letter
surat Bursa No. Peng-UPT-00114/BEI.WAS/10-2024 No. Peng-UPT-00114/BEI.WAS/10-2024 dated October
tanggal 25 Oktober 2024. 25, 2024.
2. Berdasarkan surat pengumuman Bursa No. Peng- 2. Based on the Indonesia Stock Exchange announcement
SPT-00121/BEI.WAS/10-2024 tanggal 29 Oktober 2024 letter No. Peng-SPT-00121/BEI.WAS/10-2024 dated
disebabkan terjadinya peningkatan harga kumulatif yang October 29, 2024, the suspension was imposed due to a
signifikan pada Saham INPC, PT Bursa Efek Indonesia significant cumulative increase in the share price of INPC.
memandang perlu untuk melakukan penghentian The Indonesia Stock Exchange deemed it necessary to
sementara perdagangan Saham di Pasar Reguler dan temporarily suspend trading of INPC shares in the Regular
Pasar Tunai mulai sesi I perdagangan tanggal 30 Oktober Market and Cash Market starting from the first trading
2024 sampai dengan 7 November 2024. session on October 30, 2024, until November 7, 2024.
Suspensi atas perdagangan Saham INPC di Pasar The suspension of INPC share trading in all markets (Regular
Reguler dan Pasar Tunai di Seluruh Pasar dibuka kembali and Cash Markets) was lifted and trading resumed in the first
mulai perdagangan sesi I tanggal 08 November 2024 session on November 8, 2024, based on Exchange letter
berdasarkan surat Bursa No. Peng-UPT-00127/BEI. No. Peng-UPT-00127/BEI.WAS/11-2024 dated November
WAS/11-2024 tanggal 7 November 2024. 7, 2024.
3. Berdasarkan surat pengumuman Bursa No. Peng- 3. Based on the Indonesia Stock Exchange announcement
SPT-00149/BEI.WAS/11-2024 tanggal 29 November 2024 letter No. Peng-SPT-00149/BEI.WAS/11-2024 dated
disebabkan terjadinya peningkatan harga kumulatif yang November 29, 2024, the suspension was imposed due to
signifikan pada saham INPC, PT Bursa Efek Indonesia a significant cumulative increase in the share price of INPC.
memandang perlu untuk melakukan penghentian The Indonesia Stock Exchange deemed it necessary to
sementara perdagangan Saham INPC di Pasar Reguler temporarily suspend trading of INPC shares in the Regular
dan Pasar Tunai mulai sesi I perdagangan tanggal 2 Market and Cash Market starting from the first trading
Desember 2024 sampai dengan 12 Desember 2024. session on December 2, 2024, until December 12, 2024.
Suspensi atas perdagangan Saham INPC di Pasar The suspension of INPC share trading in all markets (Regular
Reguler dan Pasar Tunai di Seluruh Pasar dibuka kembali and Cash Markets) was lifted and trading resumed in the first
mulai perdagangan sesi I tanggal 13 Desember 2024 session on December 13, 2024, based on Exchange letter
berdasarkan surat Bursa No. Peng-UPT-00148/BEI. No. Peng-UPT-00148/BEI.WAS/12-2024 dated December
WAS/12-2024 tanggal 12 Desember 2024. 12, 2024.
AKSI KORPORASI CORPORATE ACTIONS
Selama tahun 2024, Bank Artha Graha Internasional tidak In 2024, Bank Artha Graha Internasional did not do corporate
melakukan aksi korporasi seperti: actions, such as:
1. Pemecahan saham (stock split); 1. Stock Split;
2. Penggabungan saham (reverse stock); 2. Reverse Stock;
3. Dividen saham; 3. Stock dividend;
4. Saham Bonus; dan 4. Bonus shares; and
5. Perubahan nilai nominal saham. 5. Change in par value of shares.
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IKHTISAR EFEK LAINNYA
Other Highlights on Securities
IKHTISAR OBLIGASI, SUKUK, ATAU OBLIGASI BOND, SUKUK, OR CONVERTIBLE HIGHLIGHTS
KONVERSI
Bank Artha Graha Internasional tidak menyajikan informasi Bank Artha Graha Internasional does not present information
terkait kronologi penerbitan obligasi, sukuk atau obligasi related to the chronology of issuance of bonds, sukuk, or
konversi karena untuk periode yang berakhir pada tanggal 31 convertible bonds because for the period ended on December
Desember 2024, Bank tidak menerbitkan dan mencatatkan 31, 2024, the Bank did not issue and list bonds, sukuk, or
obligasi, sukuk atau obligasi konversi. convertible bonds.
IKHTISAR SUMBER PENDANAAN LAINNYA OTHER FUNDING SOURCES HIGHLIGHTS
Dalam rangka memperkuat permodalan dan mendukung To strengthen the capital and support the expansion, the Bank
ekspansi usaha Bank telah menerbitkan Long Term Notes has issued Long Term Notes (LTN) of Subordination I in 2020 as
(LTN) Subordinasi I di tahun 2020 sebagaimana diatur dalam regulated in the Financial Services Authority (OJK) Regulation
ketentuan Peraturan Otoritas Jasa Keuangan (OJK) No. 39/ No. 39/POJK.04/2019 concerning the Issuance of Debt
POJK.04/2019 tentang Penerbitan Efek Bersifat Utang dan/atau Securities and/or Sukuk without a Public Offering. The debt
Sukuk yang dilakukan tanpa melalui Penawaran Umum. Efek securities were not rated because they were issued through
utang tersebut tidak berperingkat karena diterbitkan melalui a Non-Public Offering mechanism regarding the Info Memo
mekanisme Tanpa Penawaran Umum dengan mengacu kepada document of the LTN issuance.
dokumen Info Memo penerbitan LTN tersebut.
LTN Subordinasi I Tahap II tidak diterbitkan karena manajemen Subordinated LTN I Phase II was not issued because
berkeyakinan permodalan saat ini sudah dapat mendukung management believes that the current capital can support
ekspansi usaha untuk masa mendatang. business expansion in the future.
Adapun struktur LTN Subordinasi I tahap I Tahun 2020 adalah The structure of Subordinated LTN I phase I 2020 is as follows:
sebagai berikut:
Nominal (Rp Suku Bunga
Nama Efek Tanggal Penerbitan Miliar) per Tahun Jatuh Tempo Wali Amanat
Securities Name Date of Issuance Nominal Coupon per Maturity Date Trustee
(Billion IDR) Year
Long Term Notes (LTN)
Subordinasi I Tahap I
PT Bank Pembangunan
Tahun 2020 30 Desember 2020 30 Desember 2027
200 9,50% Daerah Jawa Barat dan
Long Term Notes December 30, 2020 December 30, 2027
Banten Tbk
(LTN) Subordination I
Phase I of 2020
2024 Annual Report PT Bank Artha Graha Internasional Tbk 29
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
PERISTIWA PENTING
Significant Events
Fashion Show by Ivan Gunawan
Fashion Show by Ivan Gunawan
Ivan Gunawan mengadakan pagelaran Fashion Show koleksi terbarunya
dari Hijab Mandjha Raya Collection 2024 ke-7. Acara ini diadakan di Hotel
Borobudur Jakarta yang disebut memiliki peran penting dalam awal karir
Ivan Gunawan.
Bank Artha Graha Internasional menjadi salah satu sponsor dalam acara ini
dengan melakukan beberapa activation di venue acara.
24 Januari 2024 Ivan Gunawan held a fashion show showcasing his latest collection, the Hijab
January 24, 2024 Mandjha Raya Collection 2024 - Volume 7. The event took place at Hotel
Borobudur Jakarta, which is known to have played a significant role in the
early stages of Ivan Gunawan’s career.
Bank Artha Graha Internasional was one of the sponsors of the event and
participated by conducting several activations at the event venue.
Chinese New Year & Wholesale Market
Chinese New Year & Wholesale Market
SCBD Park dan SCBD Weekland yang menjadi pusat kegiatan Imlek tahun
ini sudah dipadati pengunjung semenjak hari Kamis (8/2). Terdapat berbagai
macam kegiatan seperti Parade Barongsai, Barongsai Pole, Barongsai
Performance, Lion Dance, live music, dan kegiatan khas Imlek lainnya.
Dalam mendukung kegiatan tersebut, Bank Artha Graha Internasional
memberikan promo menarik seperti promo hingga 50% di merchant SCBD
Park dengan pembayaran menggunakan QRIS agi serta merchandise
8 - 11 Februari 2024 menarik yang bisa didapatkan jika berkunjung ke booth agi.
February 8 - 11, 2024
SCBD Park and SCBD Weekland, the main venues for this year’s Chinese
New Year (Imlek) celebrations, have been bustling with visitors since Thursday,
February 8. Various activities were held, including the Lion Dance Parade,
Barongsai Pole, Barongsai Performances, Lion Dance, live music, and other
traditional Chinese New Year festivities.
In support of these activities, Bank Artha Graha Internasional offered attractive
promotions, such as discounts of up to 50% at merchants in SCBD Park for
payments made using the QRIS agi system, as well as exciting merchandise
available for visitors who stopped by the agi booth.
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Agung Sedayu Group (ASG) Expo 2024
Agung Sedayu Group (ASG) Expo 2024
ASG Expo 2024 menghadirkan berbagai macam pameran properti dengan
berbagai promo menarik disertai acara talkshow dan workshop inspiratif
seputar properti.
Sebagai salah satu mitra bank dari Agung Sedayu Group, Bank Artha Graha
Internasional ikut memberikan promo menarik bagi pengunjung yang datang
dengan menghadirkan program KPR One Day Approval. Ini merupakan
program khusus yang diberikan untuk nasabah yang ingin membeli properti
22 Februari - 3 Maret 2024 milik Agung Sedayu Group.
February 22 - March 3, 2024
ASG Expo 2024 showcased a wide range of property exhibitions, featuring
various attractive promotions along with inspiring talk shows and workshops
related to the property sector.
As one of the banking partners of Agung Sedayu Group, Bank Artha Graha
Internasional offered special promotions for visitors through its One Day
Approval Mortgage Program (KPR One Day Approval). This exclusive program
is designed for customers interested in purchasing properties developed by
Agung Sedayu Group.
Earth Hour
Earth Hour
Artha Graha Peduli bersama seluruh unit usaha Artha Graha Group dan Artha Graha
Network menggelar gerakan massal untuk memadamkan penggunaan listrik dan
peralatan elektronik. Kegiatan ini dipusatkan di kawasan SCBD, Jakarta Selatan.
Bank Artha Graha Internasional turut berpartisipasi dalam gerakan ini dengan
melakukan pemadaman listrik di cabang yang tersebar di seluruh Indonesia selama
90 menit.
Selain pemadaman lampu, kegiatan Earth Hour di SCBD juga melakukan kegiatan
23 Maret 2024 membuat icon-icon menarik dari daur ulang plastik (recycle) yang dapat kembali
March 23, 2024 digunakan dengan nilai seni dan bermanfaat (reuse). Termasuk menyediakan pameran
ecoprint dan coloring number yang melibatkan partisipasi karyawan dan pengunjung
di SCBD. Bertepatan dengan bulan suci Ramadan, acara dipadukan dengan kegiatan
Islami, seperti Tausiah, Buka puasa bersama, Santunan Anak Yatim, sesi Talkshow,
hingga hiburan menarik lainnya.
Artha Graha Peduli, together with all business units under the Artha Graha Group and
Artha Graha Network, launched a mass movement to switch off electricity and electronic
devices. The event was centered in the SCBD area of South Jakarta.
Bank Artha Graha Internasional participated in this movement by turning off the
electricity at its branches across Indonesia for 90 minutes.
In addition to the lights-off campaign, the Earth Hour event at SCBD featured creative
activities such as crafting artistic and functional icons from recycled plastic (reuse),
along with an eco-print exhibition and paint-by-numbers sessions, which involved
participation from both employees and visitors in SCBD. Coinciding with the holy month
of Ramadan, the event also included a series of Islamic activities such as Tausiyah
(religious talks), breaking the fast together, donations for orphans, talk show sessions,
and other engaging entertainment.
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Buka Bersama Baznas
Buka Bersama Baznas
Bank Artha Graha Internasional dan Badan Amil Zakat Nasional (BAZNAS)
Provinsi DKI menjalin kerja sama dalam hal pengumpulan Dana Zakat dan
infak/Sedekah (ZIS) dan Dana Sosial Keagamaan Lainnya (DSKL). Kerjasama
ini ditandai dengan ditandatanganinya MoU kerjasama resmi pada hari
Jumat (5/4) di SCBD Park, Jakarta Selatan.
Direktur Bank Artha Graha Internasional, Indra S. Budianto mengatakan
bahwa kegiatan yang dibarengi dengan cara buka puasa bersama ini selain
5 April 2024 menjadi momen untuk merayakan kebersamaan di bulan yang penuh
April 5, 2024 berkah, tetapi juga sebagai wadah untuk memperkuat sinergi antara sektor
perbankan dan lembaga zakat.
Bank Artha Graha Internasional and the National Amil Zakat Agency (BAZNAS)
of DKI Jakarta Province have established a partnership for the collection of
Zakat, Infaq/Sadaqah (ZIS), and other Religious Social Funds (DSKL). This
collaboration was formalized through the signing of an official Memorandum
of Understanding (MoU) on Friday, April 5, at SCBD Park, South Jakarta.
Indra S. Budianto, Director of Bank Artha Graha Internasional, stated that
this event, which was held in conjunction with a communal iftar (breaking of
the fast), not only served as a moment to celebrate togetherness during the
holy month but also as a platform to strengthen synergy between the banking
sector and zakat institutions.
Kemala Run 2024
Kemala Run 2024
Kemala Run 2024 merupakan kegiatan lomba lari yang diselenggarakan
oleh Bhayangkari dan Yayasan Kemala Bhayangkari dalam satu wadah
penyelenggaraan Tour of Kemala. Di tahun 2022 dan 2023, Tour of Kemala
telah sukses melaksanakan event balap sepeda yang bertujuan menunjang
pariwisata di tempat acara dilaksanakan.
Sebanyak lebih dari 60 tenant UMKM akan berjualan di area event Kemala
Run. Untuk mempermudah pengunjung dalam bertransaksi, Bank Artha
Graha Internasional menyediakan QRIS sebagai salah sistem pembayaran.
9 Juni 2024 Selain mudah, dengan bertransaksi melalui QRIS dari aplikasi milik Bank
June 9, 2024 Artha Graha Internasional, pengunjung akan mendapatkan promo cashback
sebesar 50%.
Kemala Run 2024 is a running competition organized by Bhayangkari and the
Kemala Bhayangkari Foundation under the umbrella of the Tour of Kemala. In
2022 and 2023, the Tour of Kemala successfully held cycling events aimed at
promoting tourism in the host locations.
More than 60 MSMEs (Micro, Small, and Medium Enterprises) vendors will
be selling their products at the Kemala Run event area. In addition to its
convenience transactions, Bank Artha Graha International provides QRIS
as one of payment methods. Aside from its convenience, through the QRIS
system via Bank Artha Graha Internasional’s, visitors will be eligible for a 50%
cashback promotion.
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Discovery League 2024
Discovery League 2024
Tahun ini Discovery League kembali diadakan. Acara ini berlangsung
selama 5 hari dari tanggal 26-30 Juni 2024 di Discovery Beachfront Court,
Discovery Mall Kuta Bali.
Dalam acara ini, Bank Artha Graha Internasional juga ingin mengedukasi
masyarakat, khususnya anak muda yang datang mengenai digitalisasi
perbankan.
26 - 30 Juni 2024 This year, the Discovery League was held once again. The event occurred for
June 26 - 30, 2024 5 days, from June 26-30, 2024, at the Discovery Beachfront Court, Discovery
Mall Kuta Bali.
Through this event, Bank Artha Graha Internasional also aimed to educate the
public about banking digitalization, particularly the younger generation.
Global Tiger Day
Global Tiger Day
Dalam rangka memperingati Global Tiger Day yang jatuh di tanggal 29 Juli, Artha Graha
Peduli (AGP) bersama Tambling Wildlife Nature Conservation (TWNC) mengadakan
kegiatan dengan tema “Harmoni Alam Lestari Harimau” di Hotel Borobudur Jakarta pada
hari Minggu (28/7).
Kegiatan yang didukung oleh unit usaha lain dalam Artha Graha Group berlangsung
meriah dengan beragam aktivitas seperti face painting, pameran foto, pertunjukan
boneka (Puppets Binekon), dan talkshow. Terdapat pula berbagai lomba yang diadakan
28 Juli 2024 seperti lomba mewarnai gambar harimau yang diikuti oleh 50 anak-anak binaan Hotel
July 28, 2024 Borobudur Jakarta dan lomba video tiktok/instagram.
Bank Artha Graha Internasional juga turut berpartisipasi dalam kegiatan dengan mengajak
nasabah dan masyarakat untuk berdonasi. Donasi dilakukan untuk melestarikan Harimau
Sumatera, khususnya yang berada di TWNC melalui agi digital apps.
In commemoration of Global Tiger Day, which falls on July 29, Artha Graha Peduli (AGP)
in collaboration with Tambling Wildlife Nature Conservation (TWNC) held an event themed
“Harmony with Nature: Preserving the Tigers” at Hotel Borobudur Jakarta on Sunday, July
28.
The event, supported by other business units within the Artha Graha Group, was held in a
lively and festive atmosphere featuring a variety of activities such as face painting, a photo
exhibition, puppet performances (Puppets Binekon), and a talk show. Several competitions
were also held, including a tiger-themed coloring contest participated in by 50 children
under the care of Hotel Borobudur Jakarta, as well as a TikTok/Instagram video competition.
Bank Artha Graha Internasional also took part in the event by encouraging customers and
the public to donate. Donations were collected to support the conservation of Sumatran
Tigers, particularly those in TWNC, through the agi digital app.
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HUT BAGI ke-51
BAGI 51st Anniversary
Bank Artha Graha Internasional merayakan ulang tahun ke-51 dengan
semangat baru dan komitmen yang lebih kuat dalam menghadapi tantangan
masa depan. Acara yang diadakan pada Sabtu (7/9) di Kawasan SCBD
yang tersebar di SCBD Park dan SCBD Weekland ini menyoroti tema besar
“Inovasi dan Sinergi Menuju Prestasi Terbaik.”
Untuk menegaskan komitmen terhadap sinergi, Bank Artha Graha
Internasional menyelenggarakan pertandingan olahraga yang melibatkan
5 & 7 September 2024 seluruh karyawan. Pertandingan ini bukan hanya tentang kompetisi, tetapi
September 5 & 7, 2024 juga tentang mempererat hubungan antar tim dan mendorong semangat
kerja sama.
HUT Bank Artha Graha Internasional juga selalu dibarengi dengan kegiatan
sosial. Seperti tahun-tahun sebelumnya, pada tahun ini kembali diadakan
kegiatan Donor Darah yang sudah lebih dulu berjalan di hari Kamis (5/9).
Selain itu, dilakukan pemberdayaan UMKM untuk mendukung pengusaha
kecil dan menengah dalam mengembangkan bisnis mereka. Perayaan ini
adalah bentuk dukungan konkret untuk UMKM dimana karyawan dan tamu
undangan berkesempatan untuk membeli berbagai produk kuliner yang ada
di SCBD Weekland.
Bank Artha Graha Internasional celebrated its 51st anniversary with renewed
spirit and a stronger commitment to facing future challenges. The event,
held on Saturday, September 7, across SCBD Park and SCBD Weekland,
highlighted the overarching theme:
“Innovation and Synergy Toward Outstanding Achievement.”
To reinforce its commitment to synergy, Bank Artha Graha Internasional
organized a series of sports competitions involving all employees. These
competitions were not only about winning but also aimed at strengthening
team relationships and fostering a spirit of collaboration.
As in previous years, the anniversary celebration was accompanied by various
social initiatives. One of the key activities was a Blood Donation Drive, held
earlier on Thursday, September 5. In addition, the Bank supported MSME
empowerment as part of its commitment to helping small and medium
enterprises grow their businesses. This celebration served as a tangible form of
support for MSMEs, where employees and invited guests had the opportunity
to purchase a wide range of culinary products showcased at SCBD Weekland.
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Oktoberfest 2024
Oktoberfest 2024
Acara ini dirancang sebagai bentuk apresiasi terhadap keberagaman
budaya, baik lokal maupun internasional. Di SCBD Oktoberfest, kamu
akan menemukan berbagai hidangan otentik khas Jerman, mulai dari bir
berkualitas hingga makanan tradisional yang menggugah selera. Selain
itu, penampilan musik yang enerjik akan menambah keseruan selama
Oktoberfest di SCBD.
Dengan membawa tradisi ini ke Jakarta, SCBD Weekland Oktoberfest ingin
28-29 September 2024 memberikan pengalaman serupa tanpa harus pergi jauh.
September 28-29, 2024
This event is designed as a celebration of cultural diversity, both local and
international. At SCBD Oktoberfest, you will find a variety of authentic German
dishes-from premium beers to delicious traditional cuisine. In addition,
energetic live music performances will enhance the festive atmosphere
throughout the event.
By bringing this tradition to Jakarta, SCBD Weekland Oktoberfest aims to offer
a similar experience without the need to travel far.
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People Fest 2024
People Fest 2024
Penyelenggaraan Pesta Rakyat ini sejalan dengan visi dan komitmen Bank
Artha Graha dalam mendukung keberlanjutan tongkat estafet pemerintahan
agar berjalan dengan lancar. Dukungan tersebut tercermin partisipasi aktif
Bank Artha Graha Internasional dalam menyalurkan KPR Bersubsidi (KPR-
FLPP) untuk masyarakat luas, program KUR untuk pemberdayaan UMKM,
Gerakan Non-Tunai Bank Indonesia dan juga mendukung inklusi keuangan
pada institusi TNI dan Polri dengan telah memiliki Nota Kesepahaman dan
Perjanjian Kerjasama dengan TNI dan Polri untuk pemanfaatan produk dan
4 Oktober 2024 jasa layanan perbankan seperti pembukaan dan pengelolaan rekening untuk
October 4, 2024 institusi, maupun personel TNI dan Polri.
Program-program tersebut dilakukan karena Bank Artha Graha Internasional
merupakan bank yang ditunjuk oleh pemerintah melalui Kementrian
Keuangan sebagai salah satu bank swasta untuk penempatan dan
pengelolaan rekening pemerintah.
The organization of this Pesta Rakyat (People’s Festival) aligns with Bank
Artha Graha’s vision and commitment to supporting the smooth continuation
of government leadership. This support is reflected in Bank Artha Graha
Internasional’s active participation in providing subsidized housing loans (KPR-
FLPP) for the broader community, KUR programs for MSME empowerment,
the Bank Indonesia Cashless Movement, as well as efforts to promote financial
inclusion within the Indonesian National Armed Forces (TNI) and National
Police (Polri). This commitment is further demonstrated through Memorandums
of Understanding (MoUs) and Cooperation Agreements established with both
TNI and Polri, enabling the utilization of banking products and services such
as the opening and management of institutional and personal accounts for TNI
and Polri personnel.
These initiatives are carried out as Bank Artha Graha Internasional is one of the
private banks appointed by the government through the Ministry of Finance to
facilitate the placement and management of government accounts.
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Literasi & Edukasi
Literacy & Education
6 Januari 2024: SMK Pariwisata Harapan Denpasar dengan Kegiatan “TALK
SHOW “GEN Z DI TENGAH GEMPURAN TEKNOLOGI PERBANKAN”
26 April dan 3 Mei 2024: SMK Yapari Aktripa & SMA Kartika XIX-2 Bandung
dengan Kegiatan “Edukasi Mengatur Keuangan Gaya Anak Muda”
14 September 2024: Kawasan PT Samudera Indo Sejahtera dengan Kegiatan
“Literasi Keuangan & Perbankan UMKM, Nelayan”
6 Januari 2024, 26 April dan 3 11 Desember 2024: Madrasah Tsanawiah 2 Pontianak dengan Kegiatan
Mei 2024, 14 September 2024, 11 “Edukasi Perbankan dan Seminar Anti-Bullying pada Siswa/Siswi Madrasah”
Desember 2024
January 6, 2024: SMK Pariwisata Harapan Denpasar held a talk show titled
January 6, 2024, April 26 and May 3, “Gen Z in the Era of Rapid Banking Technology Advancement.”
2024, September 14, 2024, December
11, 2024 April 26 and May 3, 2024: SMK Yapari Aktripa & SMA Kartika XIX-2 Bandung
hosted an event titled “Financial Management Education with a Youthful
Approach.”
September 14, 2024: PT Samudera Indo Sejahtera area will host an event on
“Financial and Banking Literacy for MSMEs and Fishermen.”
December 11, 2024: Madrasah Tsanawiah 2 Pontianak will conduct an event
on “Banking Education and Anti-Bullying Seminar for Madrasah Students.”
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02
Laporan Manajemen
Management Report
Manajemen Bank Artha Graha
Internasional telah mengambil
sejumlah kebijakan strategis
pada pengembangan solusi
layanan perbankan bagi
nasabah.
Bank Artha Graha Internasional management
has taken a number of strategic policies
to develop banking service solutions for
customers.
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LAPORAN DEWAN KOMISARIS
Board of Commissioners Report
Kiki
Syahnakri
Komisaris Utama/
Komisaris Independen
President Commissioner/
Independent Commissioner
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Dewan Komisaris mengapresiasi implementasi berbagai
kebijakan dan rencana strategis yang dijalankan Direksi selama
tahun 2024, sehingga Bank mampu mengatasi kondisi usaha
yang penuh tantangan dengan raihan kinerja yang lebih baik
selain berhasil menuntaskan berbagai program keberlanjutan
yang semakin memperkuat fondasi keuangan Perusahaan untuk
kembali tumbuh berkualitas di masa mendatang.
The Board of Commissioners appreciates the implementation of various policies and strategic plans carried out
by the Board of Directors throughout 2024, enabling the Bank to overcome challenging business conditions
with improved performance. Moreover, the Bank successfully completed various sustainability programs, further
strengthening the Company’s financial foundation for quality growth in the future.
PEMEGANG SAHAM DAN PEMANGKU DEAR SHAREHOLDERS AND STAKEHOLDERS
KEPENTINGAN YANG TERHORMAT
Puji dan syukur marilah kita panjatkan ke hadirat Tuhan Yang Praise and gratitude are expressed to Almighty God for His
Maha Esa atas limpahan nikmat dan karunia-Nya sehingga abundant blessings and grace, allowing Bank Artha Graha
Bank Artha Graha Internasional dapat melalui tahun 2024 Internasional to navigate the challenging year of 2024.
yang penuh tantangan.
Selama tahun 2024, Dewan Komisaris dalam menjalankan fungsi Throughout 2024, the Board of Commissioners has carried out
dan tugas pengawasan kepada Direksi, termasuk pengawasan its oversight function and duties towards the Board of Directors,
pelaksanaan Rencana Bisnis Bank (RBB). Dewan Komisaris including overseeing the implementation of the Bank’s Business
menjalankan fungsi pengawasan terhadap pelaksanaan strategi Plan (RBB). The Board of Commissioners has supervised the
Bank, terutama pada aspek manajemen risiko, evaluasi dan implementation of the Bank’s strategies, particularly in areas
persetujuan kredit, pencapaian laba, penerapan teknologi such as risk management, credit evaluation and approval,
informasi, pengembangan sumber daya manusia, penerapan profit achievement, information technology application, human
tata kelola perusahaan yang baik, serta implementasi keuangan resources development, corporate governance practices, and
berkelanjutan. the implementation of sustainable finance.
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Dewan Komisaris selalu berupaya agar Bank Artha Graha The Board of Commissioners consistently strives to ensure
Internasional terkelola dengan baik dan prudent. Sepanjang that Bank Artha Graha Internasional is managed well and
tahun 2024, Dewan Komisaris melakukan komunikasi yang prudently. Throughout 2024, the Board maintained intensive
intensif dengan Direksi untuk membahas kendala dan communication with the Board of Directors to discuss
mendapatkan solusi penerapan strategi bisnis yang telah challenges and find solutions for implementing the established
ditetapkan, termasuk jika terdapat perubahan signifikan yang business strategies, including when significant changes arose
membuat target bisnis tahun berjalan yang perlu direvisi. that required adjustments to the business targets for the
Arahan kepada Direksi diberikan melalui mekanisme yang current year. Guidance to the Board of Directors is provided
ditetapkan dalam Anggaran Dasar dan peraturan perundang- through mechanisms outlined in the Articles of Association and
undangan yang berlaku. applicable laws and regulations.
Pada kesempatan ini, kami menyampaikan laporan On this occasion, we present the report of the Board of
pertanggungjawaban Dewan Komisaris atas pengawasan Commissioners’ accountability for overseeing the activities of
kegiatan Bank Artha Graha Internasional untuk tahun buku Bank Artha Graha Internasional for the 2024 financial year,
2024, yang dapat memberikan gambaran tentang upaya Bank which provides an overview of the Bank’s efforts to enhance
dalam meningkatkan nilai tambah bagi pemegang saham dan value for shareholders and all stakeholders.
seluruh pemangku kepentingan.
KONDISI MAKRO EKONOMI MACROECONOMIC CONDITIONS
Konflik geopolitik yang berkepanjangan serta perbedaan The prolonged geopolitical conflict and financial policy
kebijakan fiskal di berbagai negara besar, akibat disparitas differences across major countries, resulting from high
kondisi perekonomian yang tinggi, membuat perekonomian disparities in economic conditions, led to a dynamic and
global pada 2024 berkembang dinamis penuh tantangan challenging global economy in 2024, shrouded in uncertainty.
dan diliputi ketidakpastian. Tetap kuatnya pertumbuhan The continued strength of the U.S. economy has caused the
perekonomian AS, membuat nilai tukar dolar AS semakin U.S. dollar to strengthen against various global currencies,
menguat terhadap berbagai mata uang dunia, dan prompting different countries to adopt varied policies in
mengakibatkan masing-masing negara menempuh kebijakan response to this currency appreciation.
yang berbeda untuk merespons penguatan nilai tukar dolar
AS tersebut.
Disparitas kebijakan tersebut membuat pertumbuhan These policy disparities have led to differing economic growth
perekonomian antar kawasan maupun antar sesama negara rates between regions and among developed countries. In
maju berbeda. Secara umum, IMF dalam rilisnya - World general, the IMF’s January 2025 release of the World Economic
Economic Outlook (WEO) - Januari 2025, menyatakan bahwa Outlook (WEO) stated that global economic growth slightly
pertumbuhan perekonomian global sedikit melambat menjadi slowed to 3.2% in 2024, from 3.3% in 2023, while inflation
3,2% di tahun 2024 dari sebesar 3,3% di tahun 2023, serta rates remained high, although they had started to decline, from
tetap diwarnai tingkat inflasi yang tinggi sekalipun mulai 6.7% to 5.7%.
menurun, dari 6,7% menjadi 5,7%.
Berbagai negara utama dunia menerapkan kebijakan yang Major world economies implemented different policies in
berbeda dalam merespons masih tingginya inflasi global yang response to the still-high global inflation and the strong U.S.
diikuti dengan kuatnya nilai tukar dolar AS tersebut. The Fed, dollar. For example, the Fed only made limited cuts to interest
misalnya hanya menurunkan suku bunga secara terbatas, dari rates, from 5.50% at the start of 2024 to 4.50% by the end
5,50% pada awal tahun 2024 menjadi 4,50% pada akhir tahun of the year, in order to maintain strong domestic economic
2024, demi mempertahankan kuatnya perekonomian domestik performance and a solid labor market. Meanwhile, the
dan pasar tenaga kerja yang solid. Sementara itu, European European Central Bank (ECB) reduced its benchmark interest
Central Bank (ECB) menurunkan suku bunga acuannya ke rate to around 3.15% by the end of 2024.
kisaran 3,15% pada akhir 2024.
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Namun demikian, perlambatan pertumbuhan ekonomi, bahkan However, economic growth has slowed, and even contracted
kontraksi terjadi di beberapa negara maju maupun negara in some developed countries and emerging markets, such as
emerging market, seperti Tiongkok dan India, yang mencatatkan China and India, which recorded slowdowns, and Germany
perlambatan, kemudian Jerman dan Jepang yang mencatatkan and Japan, which experienced economic contractions. Despite
kontraksi ekonomi. Di tengah perlambatan pertumbuhan the global economic slowdown, global trade volume increased.
ekonomi global, volume perdagangan dunia justru menunjukkan The IMF reported that global trade volume grew by 3.4%
peningkatan. IMF menyatakan volume perdagangan global YoY in 2024, compared to 0.7% YoY the previous year. This
tumbuh sebesar 3,4% YoY pada 2024, dari 0,7% YoY pada increase in global trade volume had a positive impact on the
tahun sebelumnya. Peningkatan volume perdagangan global economies of Asia and ASEAN, which recorded growth higher
ini memberi dampak positif bagi perekonomian kawasan Asia than global economic growth, despite facing challenges from
maupun ASEAN yang mencatatkan pertumbuhan lebih tinggi the strengthening of the U.S. dollar.
dari pertumbuhan perekonomian global, sekalipun dihadapkan
pada tantangan penguatan nilai dolar AS.
Di tengah ketidakpastian perekonomian global yang penuh Amidst this uncertain global economic climate, Indonesia’s
tantangan tersebut, mengacu pada data BPS, perekonomian economy in 2024 continued to grow at a solid rate of 5.03%,
Indonesia di tahun 2024 tetap tumbuh cukup tinggi, mencapai slightly down from 5.05% the previous year, according to data
5,03% dari 5,05% di tahun sebelumnya. Konsumsi domestik from BPS. Domestic consumption remained the key driver of
kembali menjadi penopang utama pertumbuhan perekonomian domestic economic growth. Positive performance was also
domestik. Kinerja positif juga dicatatkan oleh seluruh lapangan recorded across all business sectors in Indonesia. Additionally,
usaha di Indonesia. Selain itu, pengendalian laju inflasi domestik the successful control of domestic inflation helped mitigate
juga berhasil meredam dampak penguatan nilai tukar dolar AS the effects of the stronger U.S. dollar and global supply chain
maupun gejolak rantai pasok global sehingga inflasi Indonesia disruptions, bringing inflation down to 1.57%, from 2.61% in the
berada di level 1,57%, menurun dari 2,61% di tahun sebelumnya. previous year. The government’s continuous efforts to improve
Perbaikan iklim investasi yang terus dilakukan Pemerintah the investment climate have spurred an increase in investment
memicu meningkatnya realisasi investasi, baik dalam bentuk realization, including in investment credit, working capital loans,
kredit investasi, kredit modal kerja maupun kredit konsumsi di and consumer loans across various regions. The realization
berbagai daerah. Realisasi investasi infrastruktur konektivitas, of connectivity infrastructure investments, both within the
baik dalam kerangka Proyek Strategis Nasional (PSN), non framework of the National Strategic Projects (PSN), non-PSN
PSN, maupun realisasi investasi penambangan kapasitas dan projects, and investments in mining capacity and working
penambahan investasi modal kerja terus meningkat. capital, continued to rise.
Tingginya konsumsi dan naiknya kegiatan investasi tersebut High consumption and increased investment activities have
membuat kinerja industri keuangan Indonesia kembali contributed to positive performance in Indonesia’s financial
mencatatkan pertumbuhan positif. Kredit perbankan kembali industry. Bank lending grew by 10.39%, driven by a 13.62%
tumbuh 10,39%, didorong oleh naiknya kredit investasi, sebesar YoY increase in investment loans, followed by a 10.61% YoY
13,62% (yoy), diikuti oleh kredit konsumsi yang meningkat rise in consumer loans, and an 8.35% YoY increase in working
10,61% (yoy), serta kredit modal kerja yang tumbuh 8,35% (yoy). capital loans. This growth in loans was accompanied by an
Peningkatan kredit tersebut diiringi dengan perbaikan kualitas improvement in loan quality, as reflected by a decrease in the
kredit, sebagaimana tercermin dari rasio Non-Performing Loan gross Non-Performing Loan (NPL) ratio from 2.38% in 2023
(NPL) gross yang menurun dari 2,38% pada 2023 menjadi to 2.08%, alongside strong capital adequacy ratios. National
2,08%, selain diiringi oleh kuatnya rasio permodalan. Dana banking Third-Party Funds (DPK) also grew in 2024, though at
Pihak Ketiga (DPK) perbankan nasional juga mencatat a slower rate compared to loan growth, reflecting tight liquidity
pertumbuhan pada 2024, namun dengan tingkat kenaikan conditions and higher funding costs.
yang lebih rendah dibandingkan pertumbuhan kredit, kondisi
likuiditas yang ketat dan meningkatnya biaya dana.
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Penyaluran piutang pembiayaan oleh Perusahaan Pembiayaan Financing receivables from financing companies (multifinance)
(Multifinance) tetap tumbuh, mencatatkan peningkatan continued to grow, with a 6.92% YoY increase recorded in
sebesar 6,92% (yoy) pada Desember 2024. Pertumbuhan ini December 2024. This growth was driven by a 10.47% YoY rise
didorong oleh kenaikan pembiayaan investasi sebesar 10,47% in investment financing. Meanwhile, the insurance industry
(yoy). Sementara itu, industri perasuransian mencatatkan showed more moderate growth, with total premium collections
pertumbuhan yang lebih moderat, dengan total penghimpunan increasing by 4.91% YoY to IDR15.70 trillion in December 2024,
premi tumbuh sebesar 4,91% (yoy) menjadi Rp15,70 triliun per while fintech companies also grew as an alternative to bank
Desember 2024, sementara perusahaan fintech juga tumbuh lending.
sebagai alternatif pinjaman bank.
Seiring dengan tren global, transaksi dan layanan digital In line with global trends, digital banking transactions and
banking terus tumbuh pesat mendukung kemudahan transaksi services continued to grow rapidly, supporting economic
ekonomi. Pesatnya perkembangan teknologi digital dan internet transaction convenience. The rapid development of digital
serta perubahan pola belanja masyarakat turut mendorong technology and the internet, along with changing consumer
perkembangan digital banking. Data BI menunjukkan spending patterns, has driven the growth of digital banking. Bank
pada tahun 2024 volume transaksi digital banking ini telah Indonesia (BI) data indicates that in 2024, the volume of digital
mencapai 34,5 miliar transaksi, tumbuh 36,6% (YoY), dengan banking transactions reached 34.5 billion, growing by 36.6%
nilai transaksi digital mencapai Rp87 kuadriliun. Data BI juga YoY, with the value of transactions totaling IDR87 quadrillion.
menunjukkan volume transaksi mobile banking tumbuh 39,1%, BI data also showed that mobile banking transactions grew by
Internet Banking tumbuh 4,4%, BI Fast tumbuh 62,4% dan 39.1%, internet banking by 4.4%, BI Fast by 62.4%, and QRIS
QRIS tumbuh 175,2%, didukung peningkatan jumlah pengguna by 175.2%, supported by an increase in the number of users
dan merchant. and merchants.
PENILAIAN KINERJA DIREKSI ASSESSMENT OF THE BOARD OF DIRECTORS’
PERFORMANCE
Dewan Komisaris menilai bahwa sepanjang tahun 2024, The Board of Commissioners assesses that throughout
Direksi telah menjalankan tugas dan tanggung jawabnya serta 2024, the Board of Directors has carried out its duties and
merespons kondisi usaha yang penuh tantangan dengan baik. responsibilities and responded well to the challenging business
Dewan Komisaris menilai Direksi telah menjalankan langkah- conditions. The Board of Commissioners believes the Board
langkah antisipatif dengan tepat melalui pelaksanaan beragam of Directors has taken appropriate anticipatory measures
kebijakan-kebijakan strategis yang berdampak positif bagi Bank. through the implementation of various strategic policies that
Pertumbuhan bisnis dilakukan secara terukur, diikuti dengan have had a positive impact on the Bank. Business growth has
efisiensi biaya dan optimalisasi sumber daya yang dimiliki been carried out in a measured way, followed by cost efficiency
dalam meraih target yang hendak dicapai. Pengembangan and the optimization of available resources to achieve the set
layanan digital banking baik melalui penambahan ragam produk targets. The development of digital banking services, including
digital, peningkatan infrastruktur teknologi informasi terkini the addition of various digital products, enhancement of the
dan peningkatan aspek keamanan membuat Bank semakin latest information technology infrastructure, and improvements
mendekati capaian target Akuisisi 1 juta nasabah. Bank in security aspects, has brought the Bank closer to its target
mencapai hasil tersebut melalui intensifikasi program-program of acquiring 1 million customers. The Bank achieved this
yang diinisiasi sendiri maupun melalui peningkatan skema through the intensification of self-initiated programs as well
maupun skala kolaborasi kerjasama B2B dengan partner pihak as by enhancing schemes or the scale of B2B collaboration
ketiga dan didukung dengan upgrade core banking system. partnerships with third-party partners, supported by an
upgrade to the core banking system.
Selain pada aspek operasional, Bank juga mencatatkan In addition to operational aspects, the Bank also recorded
kinerja keuangan yang semakin membaik dibandingkan tahun improved financial performance compared to the previous year.
sebelumnya. Tahun 2024, Bank Artha Graha Internasional In 2024, Bank Artha Graha Internasional posted a Net Profit of
membukukan Laba Bersih sebesar Rp152,47 miliar, meningkat IDR152.47 billion, an increase of 4% compared to IDR146.75
4% dibandingkan tahun sebelumnya yang sebesar Rp146,75 billion the previous year. In addition to contributions from net
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miliar. Selain dikontribusikan oleh pendapatan bunga bersih, interest income, the increase in net profit was also driven by
peningkatan laba bersih tersebut juga dikontribusikan oleh a significant rise in fee-based income from digital banking
meningkatnya secara signifikan fee based income dari transaksi transactions resulting from the development of digital services.
digital banking hasil pengembangan layanan digital. Transaksi Digital transactions in 2024 increased by nearly 1,736%
digital di tahun 2024 naik hampir 1.736% bila dibandingkan compared to 2023, driven by collaborations with business
dengan 2023 yang berasal dari kerjasama mitra bisnis yang partners, which led to a 540.4% increase in the value of digital
berimbas pada peningkatan nilai fee based income digital fee-based income. The Bank’s asset quality was also well-
yang naik hingga 540,4%. Kualitas aset Bank juga terjaga maintained, as reflected in the Gross NPL ratio of 2.40% and
dengan baik, tercermin dari rasio NPL Gross sebesar 2,40%, Net NPL ratio of 0.77%. Overall, the Bank’s total assets grew
dan NPL Net sebesar 0,77%. Secara keseluruhan total aset by 15%, from IDR26.10 trillion to IDR30.12 trillion by the end
Bank mencatatkan peningkatan 15% dari senilai Rp26,10 triliun of 2024.
menjadi sebesar Rp30,12 triliun pada akhir tahun 2024.
PENGAWASAN TERHADAP IMPLEMENTASI SUPERVISION OF STRATEGY IMPLEMENTATION
STRATEGI
Dewan Komisaris bertugas melakukan pengawasan atas The Board of Commissioners is responsible for overseeing the
jalannya pengelolaan Bank oleh Direksi, memberi nasihat management of the Bank by the Board of Directors, providing
kepada Direksi, serta memastikan bahwa Perusahaan advice to the Board of Directors, and ensuring that the
menerapkan Tata Kelola Perusahaan yang Baik. Company implements Good Corporate Governance.
Dewan Komisaris senantiasa melakukan pengawasan terhadap The Board of Commissioners continuously supervises the
perumusan dan implementasi strategi Perseroan. Pengawasan formulation and implementation of the Company’s strategy.
terhadap perumusan strategi Perseroan dilaksanakan pada Supervision of the formulation of the Company’s strategy is
tahap penyusunan Rencana Strategis Bank dan Rencana Bisnis carried out during the preparation of the Bank’s Strategic Plan
Bank (RBB). Sedangkan pengawasan terhadap implementasi and the Bank’s Business Plan (RBB). Meanwhile, supervision
strategi dilakukan melalui pengawasan dan pemberian nasihat of strategy implementation is done through monitoring and
kepada Direksi dalam menjalankan kegiatan bisnis Perseroan. providing advice to the Board of Directors in carrying out the
Company’s business activities.
Saat menyusun, menetapkan target dan merumuskan strategi When setting targets and formulating strategies for 2024, the
tahun 2024, Dewan Komisaris memberikan arahan dengan Board of Commissioners provided direction by considering
mempertimbangkan kondisi ekonomi dan geopolitik dalam both domestic and international economic and geopolitical
dan luar negeri. Dewan Komisaris juga memperhatikan faktor- conditions. The Board of Commissioners also took into account
faktor internal yang perlu ditingkatkan dan dilengkapi dalam internal factors that needed improvement and enhancement in
menjalankan strategi untuk mencapai target 2024. executing the strategy to achieve the 2024 targets.
Pada pengawasan implementasi strategi digitalisasi, dilakukan In supervising the implementation of the digitalization strategy, a
melalui pendekatan yang sistematis, dengan menerapkan systematic approach was applied, utilizing project management
mekanisme project management dan sistem pelaporan mechanisms and structured project progress reporting systems.
progress project yang terstruktur. Pengawasan dilakukan Supervision was carried out through several main mechanisms.
melalui beberapa mekanisme utama. Pertama, rapat koordinasi First, monthly/ad-hoc coordination meetings to monitor progress
bulanan/ad hoc untuk memantau progress dan kendala. Kedua, and obstacles. Second, a project monitoring dashboard
dashboard monitoring project yang memberikan visibility real- providing real-time visibility of digitalization progress. Third,
time terhadap progress digitalisasi. Ketiga, laporan implementasi monthly implementation reports covering target achievements,
bulanan yang mencakup pencapaian target, analisis gap, dan gap analysis, and follow-up plans.
rencana tindak lanjut.
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Dewan Komisaris juga melakukan evaluasi atas kinerja The Board of Commissioners also evaluates the financial
keuangan dan operasional bisnis Bank, termasuk pelaksanaan and operational performance of the Bank, including the
program pengembangan kapasitas dan kapabilitas seluruh implementation of programs to develop the capacity and
jajaran insan Bank Artha Graha Internasional. Beberapa capability of all personnel at Bank Artha Graha Internasional.
program yang dilaksanakan, antara lain: pengembangan Some of the programs implemented include: the development
bisnis digital dan keamanan siber, pengembangan sumber of digital business and cybersecurity, human resource
daya manusia, penerapan teknologi digital perbankan strategi development, the application of digital banking technology,
perkreditan yang mengedepankan prinsip kehati-hatian, serta crediting strategies that emphasize prudence, and supervision
pengawasan terhadap implementasi manajemen risiko dan of risk management implementation and internal control
sistem pengendalian internal. systems.
MEKANISME DAN FREKUENSI PENGAWASAN M ECHAN I S M S AN D FREQ UEN CY O F
SUPERVISION
Pengawasan dilaksanakan antara lain melalui: rapat berkala Supervision is carried out through various means, including
Dewan Komisaris dan Direksi setidaknya 1 (satu) kali dalam 4 periodic meetings between the Board of Commissioners and
(empat) bulan atau melalui saluran komunikasi dan interaksi the Board of Directors at least 1 (once) every 4 (four) months
lainnya. Dalam forum tersebut, Dewan Komisaris meminta or through other communication and interaction channels.
penjelasan dari Direksi mengenai pencapaian kinerja Bank In these forums, the Board of Commissioners requests
Artha Graha Internasional dan berbagai kendala yang dihadapi explanations from the Board of Directors regarding the
beserta solusinya. Dewan Komisaris menyampaikan pandangan performance achievements of Bank Artha Graha Internasional
dan memberikan nasihat kepada Direksi mengenai hal tersebut. and any challenges faced, along with their solutions. The Board
of Commissioners provides feedback and advice to the Board
of Directors on these matters.
Selain melalui rapat, pengawasan Dewan Komisaris juga In addition to meetings, the supervision by the Board of
dilakukan secara langsung melalui komite-komite di bawah Commissioners is also carried out directly through the
Dewan Komisaris. Dewan Komisaris juga melakukan committees under the Board of Commissioners. The Board
pengawasan terhadap laporan audit internal maupun eksternal, of Commissioners also supervises both internal and external
memberikan pengarahan, serta memastikan Direksi telah audit reports, provides direction, and ensures that the
menindaklanjuti temuan audit dan rekomendasi dari Internal Board of Directors has followed up on audit findings and
Audit, Auditor Eksternal, hasil pengawasan Otoritas Jasa recommendations from Internal Audit, External Auditors, as well
Keuangan dan Bank Indonesia, serta otoritas lainnya. as findings from the Financial Services Authority (OJK), Bank
Indonesia, and other relevant authorities.
Beberapa bidang yang menjadi fokus pengawasan Dewan Several areas of focus for the Board of Commissioners’
Komisaris di tahun 2024, antara lain mencakup: pengelolaan supervision in 2024 included: liquidity management, funding
likuiditas, pendanaan dan penyaluran dana, kualitas kredit and fund distribution, credit quality and resolution of non-
dan penyelesaian kredit bermasalah serta AYDA, permodalan, performing loans and AYDA (Assets Yielding Deterioration),
pengembangan digital banking dan upgrade core banking, dan capital, the development of digital banking and core banking
pengembangan SDM dan kaderisasi. system upgrades, and Human Capital (HC) development and
succession planning.
Dewan Komisaris mendukung dan melakukan pengawasan The Board of Commissioners supports and supervises the
dalam mempersiapkan pembangunan infrastruktur yang preparation of adequate infrastructure, particularly related to HC,
memadai, khususnya yang terkait dengan SDM, TI dan Information Technology (IT), and internal policies, to enhance
kebijakan internal, agar Bank dapat meningkatkan daya saing the Bank’s competitiveness and address business conditions in
dan mengatasi kondisi usaha di tahun 2024 . Khusus untuk 2024. Specifically, regarding the development of digital banking
pengembangan digital banking dan upgrade core banking, and core banking upgrades, the Board of Commissioners
Dewan Komisaris meminta Direksi untuk lebih selektif dalam advised the Board of Directors to be more selective in choosing
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memilih partner agar diperoleh partner yang berkinerja baik, partners to ensure high-performing collaborations that comply
kerjasama berjalan dengan baik dan sesuai ketentuan yang with applicable regulations. The Board of Commissioners also
berlaku. Dewan Komisaris juga mendorong Direksi untuk encouraged the Board of Directors to maintain prudent credit
menjaga penyaluran kredit secara prudent dengan menerapkan distribution by implementing enhanced risk management
manajemen risiko yang semakin ditingkatkan. practices.
Terkait peningkatan kualitas SDM, Dewan Komisaris meminta Concerning the improvement of HC quality, the Board of
Direksi untuk menerapkan sistem evaluasi kinerja yang Commissioners requested the Board of Directors to implement
komprehensif dan menjalankan program pelatihan dan a comprehensive performance evaluation system and conduct
pengembangan kompetensi karyawan yang sesuai dengan training and competency development programs that align with
kebutuhan unit kerja dan target bisnis, agar pelaksanaan the needs of each work unit and business targets, ensuring the
program menjadi lebih efektif. effectiveness of program implementation.
Dewan Komisaris melihat target dan strategi yang disampaikan The Board of Commissioners views the targets and strategies
dalam RBB, tergolong challenging namun diyakini akan dapat outlined in the Business Plan (RBB) as challenging but
dicapai. Mengacu pada keunggulan dan sumber daya yang believes they are achievable. Based on the current strengths
saat ini dimiliki, Bank diyakini akan dapat mewujudkan target and resources available, the Bank is expected to meet the set
yang ditetapkan tersebut. Namun demikian Dewan Komisaris targets. However, the Board of Commissioners recommends
memberikan saran agar pencapaian target tersebut tetap that the achievement of these targets be carried out with a
dilakukan dengan mengutamakan prinsip kehati-hatian. focus on maintaining prudence.
Dewan Komisaris memastikan Bank Artha Graha Internasional The Board of Commissioners ensures that Bank Artha Graha
telah dikelola sesuai peraturan perundang-undangan yang Internasional is managed in accordance with applicable laws
berlaku dan dengan mengacu pada kaidah serta prinsip and regulations while adhering to the principles of Good
GCG. Dewan Komisaris juga memastikan bahwa pengelolaan Corporate Governance (GCG). The Board of Commissioners
Bank Artha Graha Internasional telah sesuai dengan visi, misi also ensures that the management of Bank Artha Graha
dan nilai-nilai serta aspirasi Pemegang Saham dengan tetap Internasional is in line with the vision, mission, values, and
memperhatikan seluruh pemangku kepentingan. aspirations of the Shareholders, while considering the interests
of all stakeholders.
PANDANGAN ATAS PROSPEK USAHA BANK OUTLOOK ON BUSINESS PROSPECTS
YANG DISUSUN OLEH DIREKSI PREPARED BY THE BOARD OF DIRECTORS
Perekonomian global pada 2025 diperkirakan masih diwarnai The global economy in 2025 is expected to remain
oleh ketidakpastian, terutama akibat dinamika kebijakan characterized by uncertainty, particularly due to the dynamics
moneter, fiskal, dan perdagangan yang diterapkan berbagai of monetary, fiscal, and trade policies implemented by various
negara maju. Selain itu, tekanan terhadap nilai tukar di developed countries. Additionally, pressures on exchange rates
berbagai negara berkembang maupun emerging market in emerging and developing markets are expected to remain
tetap tinggi, dengan dolar AS yang berpotensi melanjutkan high, with the US dollar potentially continuing to strengthen.
penguatan. Pemerintahan baru Amerika Serikat yang The new administration in the United States, which is likely
cenderung menerapkan kebijakan proteksionisme melalui to adopt protectionist policies through high fiscal measures,
penerapan fiskal yang tinggi membawa risiko tambahan, yakni presents an additional risk-namely, the intensification of trade
meningkatnya perselisihan perdagangan dengan skala yang disputes between developed countries and the US. Meanwhile,
lebih luas antara negara-negara maju dengan AS. Sementara energy commodity prices are expected to weaken, causing
itu, harga komoditas energi diperkirakan cenderung melemah, global inflation to continue its downward trend. Overall, these
membuat inflasi global melanjutkan tren penurunannya. global economic dynamics are likely to impact global trade
Secara keseluruhan, dinamika perekonomian global ini volume, which is projected to grow by 3.2% in 2025.
diperkirakan berdampak pada volume perdagangan dunia,
yang diproyeksikan tumbuh sebesar 3,2% pada 2025,
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IMF WEO Januari 2025, memprakirakan bahwa perekonomian The IMF World Economic Outlook (WEO) for January 2025
global pada 2025 akan mencatatkan sedikit perbaikan, dengan forecasts a slight improvement in the global economy in 2025,
pertumbuhan ekonomi mencapai 3,3% (yoy), dibandingkan with economic growth reaching 3.3% (YoY), compared to 3.2%
3,2% (yoy) pada 2024. Pertumbuhan ekonomi AS pada 2025 (YoY) in 2024. The US economy in 2025 is expected to slow
diperkirakan sedikit melambat menjadi 2,7% dari 2,8% di tahun slightly to 2.7% from 2.8% the previous year. Meanwhile, the
sebelumnya. Sementara perekonomian berbagai negara yang economies of various countries that had previously declined,
sebelumnya menurun, seperti kawasan Eropa, Jepang, Inggris such as the European region, Japan, the United Kingdom, and
maupun Jerman tumbuh membaik. Germany, have shown improvement.
Mengacu pada berbagai indikator serta capaian yang telah Referring to various indicators and achievements throughout
diraih sepanjang 2024, perekonomian Indonesia pada 2025 2024, Indonesia’s economy in 2025 is expected to grow
diperkirakan tumbuh dalam rentang 5,0%-5,2%, disertai within the range of 5.0%-5.2%, with inflation remaining under
inflasi yang tetap terkendali di kisaran 2,5% ±1%. Beberapa control at around 2.5% ±1%. Several factors are expected to
faktor yang diperkirakan akan memberikan dampak positif positively impact Indonesia’s economy in 2025 and beyond,
terhadap perekonomian Indonesia pada 2025 dan tahun-tahun including strong domestic consumption, accelerated private
berikutnya adalah konsumsi domestik yang tetap kuat, realisasi and government investment realization, and the continuation of
investasi swasta maupun pemerintah yang terakselerasi, serta the National Strategic Projects (PSN) in various sectors.
berlanjutnya Proyek Strategis Nasional (PSN) di berbagai sektor.
Kinerja industri keuangan umumnya, dan kinerja intermediasi The performance of the financial industry in general, and
industri perbankan pada khususnya diprakirakan melanjutkan particularly the banking sector’s intermediation performance,
tren pertumbuhan. Segmen UMKM yang mampu menyerap is expected to continue its growth trend. The MSME segment,
tenaga kerja dalam jumlah besar dan relatif lebih tahan terhadap which absorbs a large workforce and is relatively resilient to
guncangan perekonomian global diprakirakan juga melanjutkan global economic shocks, is also expected to maintain its growth
tren pertumbuhan. Transaksi digital, diprakirakan juga terus trajectory. Digital transactions are anticipated to continue
tumbuh, dengan volume transaksi maupun nilai transaksi yang growing, with both transaction volumes and values increasing,
semakin meningkat, didukung oleh pesatnya perkembangan supported by rapid development in information technology
aplikasi teknologi informasi yang semakin memudahkan applications that make it easier for the public. In 2025, Bank
masyarakat. Untuk tahun 2025, BI memprakirakan transaksi Indonesia (BI) forecasts a higher growth rate for digital payment
pembayaran digital, yakni transaksi melalui aplikasi mobile dan transactions-through mobile and internet applications-at 52%.
internet, tumbuh dengan tingkat yang lebih tinggi, yakni 52%. Meanwhile, retail transaction volumes processed through BI-
Adapun volume transaksi ritel yang diproses melalui BI-FAST FAST are expected to grow by 34.1% (YoY), and large-value
juga diperkirakan tumbuh 34,1% (yoy), dengan nilai transaksi transactions processed through BI-RTGS are projected to grow
nilai besar yang diproses melalui BI-RTGS diperkirakan tumbuh by 11.4% (YoY).
11,4% (yoy).
Di tengah tantangan pertumbuhan ekonomi yang terbatas dan Amid the challenges of limited economic growth and unstable
geopolitik yang tidak stabil, Dewan Komisaris memandang geopolitical conditions, the Board of Commissioners believes
bahwa Direksi perlu menyeimbangkan berbagai target yang that the Board of Directors needs to balance the targets set with
ditetapkan dengan langkah-langkah yang prudent, serta siap prudent measures, while being prepared for potential shocks,
menghadapi guncangan yang mungkin terjadi serta didukung supported by sound risk management. The Board of Directors
oleh manajemen risiko yang baik. Direksi harus tetap agile must remain agile to capitalize on business opportunities to
untuk memanfaatkan berbagai peluang-peluang bisnis yang achieve the set targets.
ada untuk mencapai target yang ditetapkan.
D ewa n Ko mi s a ri s s e na ntia s a m e n duk un g D ire k s i The Board of Commissioners continues to support the
mengoptimalkan segala daya dan upaya untuk memanfaatkan Board of Directors in optimizing all efforts to seize business
peluang bisnis di tengah kondisi ekonomi yang masih cukup opportunities amid challenging economic conditions, which
menantang namun menghadirkan peluang yang menjanjikan, still present promising prospects. This includes continuing the
melanjutkan implementasi strategi jangka panjang, serta implementation of long-term strategies and enhancing the
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meningkatkan kapabilitas Bank Artha Graha Internasional capabilities of Bank Artha Graha Internasional to sustain and
dalam mempertahankan, bahkan meningkatkan profitabilitas even improve profitability and healthy, sustainable growth.
maupun pertumbuhan yang sehat dan berkelanjutan.
PA N D A N G A N ATA S TATA K E L O L A OUTLOOK ON CORPORATE GOVERNANCE
PE R U S A H A A N
Dewan Komisaris berpandangan bahwa Direksi telah melakukan The Board of Commissioners believes that the Board of
tugasnya dalam melakukan perbaikan kualitas penerapan Directors has carried out its duties in improving the quality of
best practice GCG dengan cukup baik, dengan tujuan implementing best practice Corporate Governance (GCG) quite
memperbaiki kinerja Bank dan meningkatkan daya saing Bank well to enhance the Bank’s performance and competitiveness
dengan senantiasa menjunjung tinggi prinsip kehati-hatian while upholding the principles of prudence and continuously
dan menerapkan kerangka kerja manajemen risiko yang terus improving the quality of the risk management framework.
ditingkatkan kualitasnya.
Pelaksanaan GCG menjadi salah satu fokus utama Dewan The implementation of GCG has been one of the main focuses
Komisaris dalam melakukan pengawasan. Untuk itu Dewan of the Board of Commissioners in conducting oversight. To
Komisaris memberikan berbagai saran dan nasihat dalam this end, the Board of Commissioners has provided various
meningkatkan kualitas penerapan tata kelola Bank, termasuk suggestions and advice on improving the quality of the Bank’s
mengadopsi penerapan prinsip-prinsip tata kelola terkini yang governance practices, including adopting the latest governance
disampaikan oleh Komite Nasional Kebijakan Governansi. principles outlined by the National Committee on Governance
Policy.
PENGEMBANGAN EKONOMI SUSTAINABLE ECONOMIC DEVELOPMENT
B E R K E L A N J U TA N
Dewan Komisaris mengapresiasi langkah-langkah yang telah The Board of Commissioners appreciates the steps taken by
dijalankan Direksi dalam mengintegrasikan seluruh kegiatan the Board of Directors in integrating all operational activities
operasional pada seluruh lini usaha, sehingga kinerja Bank pada across all business lines, so that the Bank’s performance in the
aspek ekonomi, lingkungan dan sosial kini dapat dijalankan economic, environmental, and social aspects can now be carried
serta dinilai sebagai satu kesatuan. Kami memandang kemajuan out and assessed as a unified whole. We view this progress as
tersebut sebagai wujud komitmen Bank dalam mendukung a manifestation of the Bank’s commitment to supporting the
pencapaian tujuan keberlanjutan, menunjukkan bahwa Bank achievement of sustainability goals, demonstrating that Bank
Artha Graha Internasional telah mengikuti tren pengelolaan Artha Graha Internasional has kept pace with modern banking
kegiatan perbankan modern yang semakin lebih menjamin practices, ensuring the long-term achievement of quality
tercapainya peningkatan skala usaha yang berkualitas dalam business growth.
jangka panjang.
Kami juga mengapresiasi langkah Direksi dalam menjalankan We also appreciate the Board of Directors’ efforts in
program-program dukungan pencapaian tujuan keberlanjutan implementing programs that support the achievement of
yang disampaikan dalam dokumen Rencana Aksi Keuangan sustainability goals as outlined in the Sustainable Finance Action
Berkelanjutan (RAKB), dimana progres dan realisasinya Plan (RAKB), where progress and realization are periodically
disampaikan secara berkala kepada Regulator dalam Laporan reported to Regulators in the Sustainability Report. The Board
Keberlanjutan. Dewan Komisaris memandang pelaksanaan of Commissioners views the implementation of these programs
program dan pelaporan hasilnya secara berkala tersebut and the periodic reporting of their results as demonstrating that
menunjukkan Bank tidak hanya menjalankan ketentuan the Bank is not only complying with regulatory requirements but
regulasi, namun juga mendukung penuh upaya yang
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dijalankan Pemerintah Indonesia maupun masyarakat global also fully supporting the efforts of the Indonesian government
dalam mencapai berbagai tujuan keberlanjutan, sekaligus and the global community in achieving various sustainability
meningkatkan nilai perusahaan bagi pemangku kepentingan goals, while simultaneously enhancing the company’s value for
maupun masyarakat dalam jangka panjang. stakeholders and society in the long term.
Mempertimbangkan besarnya manfaat pelaksanaan Considering the significant benefits of implementing these
program-program keberlanjutan tersebut, Dewan Komisaris sustainability programs, the Board of Commissioners mandates
mengamanatkan agar Direksi semakin meningkatkan skala that the Board of Directors further scale up these programs
program, dengan menambah portofolio penyaluran kredit by increasing the portfolio of sustainable credit distribution
keberlanjutan sesuai kriteria regulator sekaligus meningkatkan under regulatory criteria, while also enhancing the intensity
intensitas pengelolaan kegiatan perbankan hijau. Kami of green banking activities. We believe that as the sustainable
memandang dengan semakin meningkatnya portofolio credit portfolio grows, future opportunities will arise for the
kredit keberlanjutan tersebut, dimasa mendatang akan Bank to access green funding sources through the issuance of
semakin terbuka peluang bagi Bank untuk mendapatkan sustainable bonds, which can be used to further enhance the
sumber dana hijau melalui penerbitan obligasi berkelanjutan sustainability portfolio, as well as support the increased intensity
yang dapat digunakan untuk meningkatkan lebih lanjut of green banking practices. In this way, the role of Bank Artha
portofolio keberlanjutan, selain dapat digunakan untuk Graha Internasional in supporting the achievement of a low-
mendukung meningkatnya intensitas penerapan perbankan carbon green economy and banking ecosystem will become
hijau. Dengan demikian akan semakin tampak kiprah Bank more apparent, improving the Bank’s performance while
Artha Graha Internasional dalam mendukung tercapainya ensuring the increased well-being of society in the future.
ekosistem ekonomi dan perbankan hijau yang rendah karbon,
membaiknya kinerja Bank sekaligus menjamin meningkatnya
kesejahteraan masyarakat dimasa mendatang.
PANDANGAN ATAS WHISTLEBLOWING OUTLOOK ON THE WHISTLEBLOWING SYSTEM
SYSTEM
Sistem Pelaporan Pelanggaran (Whistleblowing System/ The Whistleblowing System (WBS) is a reflection of Bank Artha
WBS) merupakan wujud komitmen Bank Artha Graha Graha Internasional’s commitment to improving the quality
Internasional untuk meningkatkan kualitas penerapan best of best practice implementation of Corporate Governance
practice GCG sebagai landasan dari setiap aspek operasi (GCG) as the foundation of every aspect of the Bank’s daily
dan bisnis Bank sehari-hari. Melalui WBS, pihak eksternal operations and business. Through the WBS, both external and
maupun internal Perusahaan dapat menyampaikan laporan internal parties of the Company can report alleged violations of
mengenai dugaan pelanggaran terhadap prinsip-prinsip corporate governance principles, ethical values, and applicable
Tata Kelola Perusahaan, nilai-nilai etika, dan kebijakan atau policies or procedures, based on accountable evidence/data/
prosedur yang berlaku, berdasarkan bukti/data/informasi information and with good intentions for the Bank’s interests.
yang dapat dipertanggungjawabkan serta dengan niat baik Thus, the WBS serves as an early detection tool for preventing
untuk kepentingan Bank. Dengan demikian WBS menjadi violations in all operational aspects. With the implementation
sarana deteksi dini dalam pencegahan terjadinya pelanggaran of the WBS, it is expected to create a work environment that
dalam setiap aspek operasional. Dengan penerapan WBS is sincere, honest, responsible, transparent, and full of integrity
diharapkan tercipta iklim kerja yang tulus, jujur, bertanggung within the Bank.
jawab, berintegritas dan transparan dilingkungan Bank.
Dewan Komisaris menilai penerapan WBS dinilai telah berjalan The Board of Commissioners believes that the WBS has been
dengan baik namun senantiasa dievaluasi untuk meningkatkan effectively implemented but is continuously evaluated to
kualitasnya sebagai early warning system bagi Bank dan improve its quality as an early warning system for the Bank,
memastikan bahwa setiap laporan telah ditindaklanjuti sesuai ensuring that every report is followed up in accordance with
dengan peraturan yang berlaku. applicable regulations.
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PENILAIAN KINERJA KOMITE-KOMITE DI PERFORMANCE ASSESSMENT OF COMMITTEES
BAWAH DEWAN KOMISARIS UNDER THE BOARD OF COMMISSIONERS
Dalam menjalankan fungsi pengawasan, Dewan Komisaris In carrying out its supervisory function, the Board of
dibantu oleh Komite Audit, Komite Pemantau Risiko dan Komite Commissioners is assisted by the Audit Committee, the Risk
Remunerasi dan Nominasi. Dalam menjalankan fungsinya Monitoring Committee, and the Remuneration and Nomination
masing-masing, Dewan Komisaris mengarahkan komite-komite Committee. In performing their respective functions, the Board
tersebut dengan aktif melaksanakan monitoring bersama of Commissioners actively directs these committees to carry
dengan Direksi terkait. out monitoring together with the relevant Board of Directors.
Dewan Komisaris menilai Komite di bawah Dewan Komisaris The Board of Commissioners evaluates that the committees
selama tahun 2024 telah bekerja dengan baik menjalankan under the Board of Commissioners have performed well in
tugas dan tanggung jawabnya dalam mendukung fungsi 2024, fulfilling their duties and responsibilities in supporting the
pengawasan yang dijalankan Dewan Komisaris. Seluruh supervisory function carried out by the Board of Commissioners.
rekomendasi masing-masing Komite juga telah diterima All recommendations from each committee have also been
oleh Dewan Komisaris dan menjadi bahan pertimbangan received by the Board of Commissioners and have been taken
dalam proses pengambilan keputusan terhadap usulan yang into consideration in the decision-making process for the
disampaikan Direksi. proposals submitted by the Board of Directors.
Komite Audit melakukan pemantauan dan evaluasi pengendalian The Audit Committee has monitored and evaluated internal
internal dan pelaksanaan fungsi audit internal dan eksternal. controls and the implementation of internal and external audit
Komite Pemantau Risiko mengevaluasi kesesuaian antara functions. The Risk Monitoring Committee has evaluated
kebijakan manajemen risiko dengan pelaksanaan kebijakan the alignment between risk management policies and their
tersebut. Sedangkan Komite Remunerasi dan Nominasi telah implementation. Meanwhile, the Remuneration and Nomination
membantu pelaksanaan fungsi pengawasan dan pembinaan Committee has assisted in the supervisory and mentoring
oleh Dewan Komisaris terhadap Direksi beserta jajarannya functions of the Board of Commissioners toward the Board
dalam hal penerapan kebijakan remunerasi dan nominasi of Directors and its members, particularly concerning the
antara lain terkait dengan kebijakan remunerasi pegawai secara implementation of remuneration and nomination policies,
keseluruhan serta memberikan usulan calon yang memenuhi including those related to overall employee remuneration
syarat sebagai anggota Direksi dan/atau anggota Dewan policies, and has provided proposals for candidates who meet
Komisaris kepada Dewan Komisaris untuk ditetapkan dalam the qualifications to serve as members of the Board of Directors
Rapat Umum Pemegang Saham. and/or the Board of Commissioners for approval at the General
Meeting of Shareholders.
Untuk menjaga kesinambungan kinerja, Dewan Komisaris To ensure continued performance, the Board of Commissioners
mengharapkan seluruh anggota komite agar terus expects all committee members to continue enhancing their
meningkatkan kompetensi mereka di bidang masing-masing competencies in their respective fields and to remain consistent
dan tetap konsisten dalam menjalankan tugasnya dengan in performing their duties with dedication and high integrity.
dedikasi dan integritas tinggi
PERUBAHAN KOMPOSISI DEWAN KOMISARIS CHANGES IN THE COMPOSITION OF THE
BOARD OF COMMISSIONERS
Pada tahun 2024 tidak terdapat perubahan komposisi Dewan In 2024, there were no changes in the composition of the
Komisaris sesuai keputusan Rapat Umum Pemegang Saham Board of Commissioners, as per the resolution of the Annual
Tahunan yang diselenggarakan pada 26 Juni 2024 dan General Meeting of Shareholders held on June 26, 2024, and
dituangkan dalam Akta Pernyataan Keputusan Rapat No.05 documented in the Deed of Meeting Resolution No. 05 dated
tanggal 17 Juli 2024. July 17, 2024.
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PENUTUP CLOSING REMARKS
Kepada seluruh pemegang saham dan investor, Dewan To all shareholders and investors, the Board of Commissioners
Komisaris menghaturkan rasa terima kasih atas kepercayaan expresses its sincere gratitude for the trust and full support that
dan dukungan penuh yang telah diberikan kepada kami has been given to us in carrying out the mandate to oversee
untuk mengemban amanat melakukan pengawasan terhadap the management of the Bank. Similarly, to the regulators and all
pengelolaan Bank. Demikian pula kepada regulator dan para stakeholders, the Board of Commissioners extends its deepest
pemangku kepentingan, Dewan Komisaris menyampaikan appreciation for the support provided.
rasa terima kasih sebesar- besarnya atas dukungan yang telah
diberikan.
Dewan Komisaris juga mengucapkan terima kasih dan The Board of Commissioners also thanks and expresses
menyampaikan penghargaan kepada Direksi atas kerja keras appreciation to the Board of Directors for their hard work
dan dedikasinya, kepada seluruh karyawan dan seluruh pihak and dedication, to all employees, and to all parties who have
yang turut berkontribusi bagi kinerja Bank, sehingga Bank contributed to the Bank’s performance, enabling Bank Artha
Artha Graha Internasional dapat merespons tantangan bisnis Graha Internasional to respond to the business challenges
sepanjang tahun 2024. Dewan Komisaris meyakini tahun throughout 2024. The Board of Commissioners believes that
2024 telah memberikan banyak pembelajaran yang sangat 2024 has provided valuable lessons and strengthened the
berharga dan membuat fondasi Bank semakin kokoh. Oleh foundation of the Bank. Therefore, the Board of Commissioners
karena itu, Dewan Komisaris berharap Direksi dan seluruh hopes that the Board of Directors and all employees of the
Insan Bank untuk terus melanjutkan akselerasi transformasi Bank will continue to accelerate digital transformation, enhance
digital, meningkatkan efisiensi, serta menerapkan strategi yang efficiency, and implement adaptive strategies while maintaining
adaptif dengan tetap mengedepankan prinsip kehati-hatian a focus on prudence to achieve better and sustainable
demi mencatatkan performa yang lebih baik dan berkelanjutan performance in the coming years.
pada tahun-tahun mendatang.
Semoga hubungan yang harmoni ini mampu menjadi dasar May this harmonious relationship continue to serve as the
bagi Bank Artha Graha Internasional untuk terus tumbuh secara foundation for Bank Artha Graha Internasional’s sustained
berkelanjutan, dan mampu memberikan nilai tambah kepada growth and its ability to provide added value to shareholders
pemegang saham dan segenap pemangku kepentingan. and all stakeholders.
Jakarta, 26 Maret 2025
Jakarta, March 26, 2025
Atas Nama Dewan Komisaris
On behalf of the Board of Commissioners
PT Bank Artha Graha Internasional Tbk
Kiki Syahnakri
Komisaris Utama/Komisaris Independen
President Commissioner/Independent Commissioner
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Halaman ini sengaja dikosongkan.
This page is intentionally left blank.
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LAPORAN DIREKSI
Board of Directors Report
Andy Kasih
Direktur Utama
President Director
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Bank Artha Graha Internasional berfokus untuk mengatasi kendala
dan tantangan yang menyertai dinamisnya kondisi perekonomian
dan kondisi usaha di tahun 2024 yang penuh ketidakpastian. Dan,
Bank berupaya meraih peluang pertumbuhan dengan berfokus
pada sektor-sektor yang memiliki potensi besar dengan tingkat
risiko yang sesuai dengan risk appetite Bank. Hasilnya, Bank
mencatatkan perbaikan kinerja, meraih laba lebih baik dari tahun
sebelumnya dan memperkokoh fondasi untuk berkembang lebih
baik di masa mendatang.
Bank Artha Graha Internasional focused on addressing the obstacles and challenges arising from the dynamic
economic conditions and business environment in 2024, a year marked by uncertainty. At the same time, the
Bank sought to seize growth opportunities by concentrating on sectors with significant potential and risk levels
aligned with the Bank’s risk appetite. As a result, the Bank recorded improved performance, achieved higher
profits compared to the previous year, and strengthened its foundation for better growth in the future.
PEMEGANG SAHAM DAN PEMANGKU DEAR SHAREHOLDERS AND STAKEHOLDERS
KEPENTINGAN YANG TERHORMAT
Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha Praise and gratitude are offered to God Almighty, for by His
Esa atas berkat rahmat dan limpahan karunia-Nya, Bank blessings and grace, Bank Artha Graha Internasional was
Artha Graha Internasional dapat melalui tahun 2024 yang able to navigate the challenging and uncertain year of 2024
penuh tantangan dan ketidakpastian dengan pencapaian with commendable achievements. On behalf of the Board
yang baik. Selanjutnya, perkenankan kami atas nama Direksi of Directors, allow us to present this accountability report on
menyampaikan laporan pertanggungjawaban atas kinerja dan the performance and accomplishments of Bank Artha Graha
pencapaian Bank Artha Graha Internasional untuk tahun 2024. Internasional in 2024.
KO N D I S I E KO N O M I DA N I N D U S T R I ECONOMIC CONDITIONS AND BANKING
PERBANKAN TAHUN 2024 INDUSTRY IN 2024
Berkepanjangannya konflik geopolitik di Ukraina, merebaknya The prolonged geopolitical conflict in Ukraine, the escalation
konflik di Timur Tengah, dan pertumbuhan perekonomian AS of tensions in the Middle East, and strong economic growth
yang mengakibatkan mata uang dolar AS menguat terhadap in the United States, leading to the appreciation of the U.S.
semua mata uang kuat dunia, membuat perekonomian global dollar against all major global currencies, turned the global
di tahun 2024 berkembang menjadi penuh tantangan dan economy in 2024 into one marked by significant challenges
ketidakpastian. Hal ini tercermin dari terbatasnya penurunan and uncertainties. This was reflected in the limited reduction
suku bunga rujukan Bank Sentral AS, The Fed, di tengah kuatnya of the U.S. Federal Reserve’s benchmark interest rates, amid
data ekonomi AS dan solidnya kondisi pasar tenaga kerja. strong U.S. economic data and a resilient labor market.
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Sebagai akibatnya, tingkat pertumbuhan negara-negara di As a result, growth rates in many major global regions tended
berbagai kawasan utama dunia cenderung menurun dengan to decline, showing stark contrasts, particularly when compared
perbedaan yang kontras, berbeda dengan perekonomian AS to the still-strong U.S. economy. At the end of 2024, the re-
yang tetap tinggi. Pada akhir tahun 2024, terpilihnya kembali election of Donald Trump as President of the United States
Donald Trump sebagai Presiden AS, membuat perekonomian raised concerns over the potential for new trade wars and
dunia ditahun-tahun mendatang dihadapkan pada risiko perang continued U.S. dollar strengthening, both of which could pose
dagang baru dan terus menguatnya dolar AS, yang akan risks to global economic growth in the coming years.
mempengaruhi pertumbuhan perekonomian dunia dimasa
mendatang.
Kondisi tersebut membuat IMF dalam rilisnya - World Economic In light of these developments, the IMF’s World Economic
Outlook (WEO), Januari 2025, memprakirakan pertumbuhan Outlook (WEO) released in January 2025 projected global
ekonomi global di 2024 hanya sebesar 3,2% (yoy) menurun economic growth in 2024 at just 3.2% year-on-year, down from
dari 3,3% di tahun 2023, untuk kemudian sedikit meningkat 3.3% in 2023. Growth is expected to rise slightly to 3.3% in both
menjadi 3,3% di tahun 2025 maupun 2026. Namun tingginya 2025 and 2026. However, the strength of the U.S. dollar and
nilai tukar dolar AS dan beratnya kondisi domestik, membuat challenging domestic conditions have caused growth patterns
pertumbuhan negara-negara maju maupun new emerging to vary across both advanced economies and emerging
market lainnya bervariasi. Perekonomian kawasan Euro di tahun markets. While the Eurozone economy posted stronger growth
2024, tumbuh lebih tinggi dibandingkan tahun sebelumnya, in 2024 compared to the previous year, other countries such as
namun negara-negara lainnya, seperti Jepang, China, India Japan, China, India, and Canada experienced slower growth.
dan Kanada mencatatkan penurunan pertumbuhan.
Dari sisi volume perdagangan dunia, IMF memproyeksikan In terms of global trade volume, the IMF projected growth of
pertumbuhan sebesar 3,4% pada 2024, atau meningkat pesat 3.4% in 2024, a significant increase from just 0.7% in 2023.
dibandingkan capaian di 2023 yang hanya sebesar 0,7%. The IMF also forecasted that global inflation, while beginning to
Dalam rilisnya, IMF juga memprediksi inflasi global, sekalipun decline, would remain elevated at around 5.7%, down from 6.7%
mulai menurun tetap berada di level yang tinggi, yakni di kisaran in 2023. These conditions led to the Global Manufacturing PMI
5,7% dari 6,7% pada 2023. Kondisi tersebut membuat Global for November 2024, reported by J.P. Morgan and S&P Global,
Manufacturing PMI 2024, per November, menurut J.P. Morgan being recorded at 49.4, indicating contraction (a reading below
dan S&P Global berada di level 49,4 atau berada di zona 50.0), although this represented an improvement from the
kontraksi (di bawah 50,0). Namun posisi tersebut menunjukkan previous month’s 48.7.
peningkatan dari bulan sebelumnya di level 48,7.
Di tengah ketidakpastian dan gejolak perekonomian global Amid this global uncertainty and volatility, Indonesia’s economy
tersebut, perekonomian nasional tetap menunjukkan continued to demonstrate resilience by maintaining positive
ketangguhannya dengan mencatatkan pertumbuhan positif. growth. According to data from Statistics Indonesia (BPS),
Data BPS menunjukkan, perekonomian Indonesia di tahun 2024 Indonesia’s economy grew by 5.03% year-on-year in 2024, a
tumbuh 5,03% (yoy), sedikit melemah dari 5,05% di tahun slight decline from 5.05% in the previous year. This growth was
sebelumnya. Pertumbuhan ekonomi Indonesia sebagian besar primarily driven by the manufacturing sector, which contributed
ditopang oleh industri pengolahan dengan porsi kontribusi the largest share at 18.98%, followed by trade at 13.07%,
terbesar, mencapai 18,98%, diikuti sektor perdagangan 13,07%, construction at 10.09%, and mining at 9.15%—all recording
konstruksi 10,09%, dan pertambangan 9,15% semuanya positive growth. The highest growth rates by sector were seen
tumbuh positif. Adapun lapangan usaha dengan pertumbuhan in other services (9.80%), transportation and warehousing
tertinggi adalah jasa lainnya yang tumbuh 9,80%, transportasi (8.69%), and accommodation (8.56%).1
& pergudangan tumbuh 8,69%, serta akomodasi meningkat
8,56%.1
1 BPS.
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Sedangkan dari aspek pengeluaran, konsumsi rumah tangga From the expenditure perspective, household consumption,
dengan porsi mencapai 54,04%, kembali menjadi penopang making up 54.04% of GDP, remained the main driver of
perekonomian nasional dengan tumbuh 4,94%. Pertumbuhan Indonesia’s economy, growing by 4.94%. Economic growth
ekonomi tersebut juga didukung oleh keberhasilan pemerintah was also supported by the government’s success in managing
dalam mengelola laju inflasi sehingga mencatatkan tingkat inflation, which was kept at a low level of 1.57%.
yang rendah, yaitu 1,57%.
Kondisi Industri Perbankan Nasional National Banking Industry Conditions
Perbaikan iklim investasi yang terus dilakukan Pemerintah The government’s continuous efforts to improve the investment
memicu meningkatnya realisasi investasi, baik dalam bentuk climate have driven increased investment realization across
kredit investasi, kredit modal kerja maupun kredit konsumsi di various regions, both in the form of investment loans, working
berbagai daerah. Realisasi investasi infrastruktur konektivitas, capital loans, and consumer loans. Infrastructure development,
baik dalam kerangka Proyek Strategis Nasional (PSN) maupun especially in connectivity, whether under the National Strategic
non PSN terus meningkat, yang kemudian memicu tumbuhnya Projects (PSN) or non-PSN initiatives, has continued to grow,
investasi di sektor-sektor lain di berbagai daerah. Hal ini memicu spurring further investment in other sectors throughout the
pertumbuhan permintaan pendanaan dari sektor perbankan country. This has led to growing demand for financing from
maupun sektor keuangan lainnya. both the banking and broader financial sectors.
Data OJK menunjukkan kinerja perbankan nasional dalam According to data from the Financial Services Authority (OJK),
menopang perekonomian selama tahun 2024 tetap the performance of the national banking industry throughout
menunjukkan tren positif, baik dari sisi pembiayaan (perkreditan), 2024 continued to show a positive trend in terms of lending,
penghimpunan dana, maupun perolehan laba. Kredit perbankan fund gathering, and profit generation. Bank lending grew by
tumbuh 10,4% (yoy) pada Desember 2024, didorong oleh 10.4% (yoy) as of December 2024, driven by growth in several
peningkatan pada beberapa segmen utama. Kredit investasi key segments. Investment loans recorded the highest growth
mencatat pertumbuhan tertinggi sebesar 13,62% (yoy) pada at 13.62% (yoy), followed by consumer loans at 10.61% (yoy),
Desember, diikuti oleh kredit konsumsi yang tumbuh 10,61% and working capital loans at 8.35% (yoy). This credit growth
(yoy), serta kredit modal kerja yang meningkat 8,35% (yoy). was accompanied by an improvement in credit quality, as
Peningkatan kredit tersebut diimbangi dengan perbaikan reflected in a decline in the gross Non-Performing Loan (NPL)
kualitas kredit, yang tercermin dari penurunan rasio Non- ratio to 2.08% in December 2024, down from 2.38% in 2023.
Performing Loan (NPL) gross menjadi 2,08% pada Desember Meanwhile, the banking industry’s capital position remained
2024, dibandingkan 2,38% pada tahun 2023. Sementara itu, strong, with the Capital Adequacy Ratio (CAR) reaching 26.69%
dari sisi permodalan, rasio Capital Adequacy Ratio (CAR) tetap in December 2024.
kuat, mencapai 26,69% pada Desember 2024.
Dana Pihak Ketiga (DPK) perbankan tumbuh 4,48% (yoy, Third-Party Funds (DPK) in the banking sector grew by 4.48%
Desember 2024), didorong oleh peningkatan giro, tabungan, (yoy, December 2024), supported by increases in demand
dan deposito, yang masing-masing tumbuh 3,34% (yoy), deposits, savings, and time deposits, which grew by 3.34%,
6,78% (yoy), dan 3,50% (yoy). Sementara itu, likuiditas 6.78%, and 3.50% (yoy), respectively. Banking industry liquidity
industri perbankan tetap terjaga dengan baik pada tingkat remained well-maintained at an adequate level.
yang memadai.
Untuk menjaga stabilitas dan mendorong pertumbuhan To preserve stability and promote economic growth, Bank
ekonomi, Bank Indonesia (BI) terus memperkuat respons bauran Indonesia (BI) continued to strengthen its policy mix response.
kebijakan. Kebijakan moneter tetap difokuskan untuk menjaga Monetary policy remained focused on maintaining stability
stabilitas (pro-stability), sementara kebijakan makroprudensial, (pro-stability), while macroprudential policies, payment system
digitalisasi sistem pembayaran, pendalaman pasar uang, serta digitalization, money market deepening, and inclusive and
program ekonomi-keuangan inklusif dan hijau terus diarahkan green economic-financial programs were geared toward
untuk mendorong pertumbuhan (pro-growth). Sejalan dengan supporting growth (pro-growth). In line with this policy direction,
arah bauran kebijakan tersebut, BI mempertahankan BI-Rate BI maintained the BI Rate at 6.00%, consistent with a policy
pada level 6,00%, konsisten dengan fokus kebijakan moneter stance that balances stability and growth.
yang pro-stability dan pro growth.
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Pada perkembangan lainnya, transaksi dan layanan digital In other developments, digital banking transactions and services
banking terus tumbuh pesat mendukung kemudahan transaksi continued to expand rapidly, enhancing the ease of economic
ekonomi. Pesatnya perkembangan teknologi digital dan internet transactions. The rapid advancement of digital technology and
serta perubahan pola belanja masyarakat turut mendorong internet penetration, along with shifting consumer spending
perkembangan digital banking. Dalam satu dekade terakhir, behavior, have significantly driven digital banking development.
perkembangan transaksi Automatic Teller Machine (Anjungan Over the past decade, transactions involving ATMs, debit cards,
Tunai Mandiri), kartu debit, kartu kredit, dan uang elektronik credit cards, and electronic money have shown a growing
menunjukkan tren peningkatan. Volume dan nilai transaksi trend. Both the volume and value of digital banking transactions
digital banking terus menunjukkan peningkatan. Data BI continued to rise. According to BI data, in 2024, digital
menunjukkan pada tahun 2024 volume transasksi digital banking transaction volume reached 34.5 billion, growing by
banking ini telah mencapai 34,5 miliar transaksi, tumbuh 36,6% 36.6% year-on-year, with total transaction value hitting IDR87
(YoY), dengan nilai transaksi digital mencapai Rp87 kuadriliun. quadrillion. BI also reported that mobile banking transaction
Data BI juga menunjukkan volume transaksi mobile banking volume grew by 39.1%, Internet banking by 4.4%, BI-FAST by
tumbuh 39,1%, Internet Banking tumbuh 4,4%, BI Fast tumbuh 62.4%, and QRIS by 175.2%, supported by a rising number
62,4% dan QRIS tumbuh 175,2%, didukung peningkatan jumlah of users and merchants. Additionally, fintech companies have
pengguna dan merchant. Kemudian perusahaan fintech juga grown as an alternative to conventional bank lending.
tumbuh sebagai alternatif pinjaman bank.
PROSPEK USAHA BUSINESS PROSPECTS
Perekonomian global pada tahun 2025 diperkirakan masih The global economy in 2025 is expected to continue facing
menghadapi berbagai tantangan dan ketidakpastian akibat various challenges and uncertainties, stemming from dynamic
dinamika kebijakan moneter, fiskal dan perdagangan yang monetary, fiscal, and trade policies implemented by major
diterapkan di berbagai negara besar. IMF, dalam laporan economies. In its World Economic Outlook report published in
World Economic Outlook Januari 2025, memproyeksikan January 2025, the IMF projected global economic growth for
pertumbuhan ekonomi global pada 2025 sebesar 3,3%, 2025 at 3.3%, slightly higher than the 3.2% recorded in 2024.
sedikit lebih tinggi dibandingkan pertumbuhan pada 2024
yang tercatat sebesar 3,2%.
Sementara itu peningkatan aktivitas perekonomian Indonesia Meanwhile, Indonesia’s economic activity is forecasted to
diprakirakan akan terus berlanjut dengan proyeksi pertumbuhan maintain its positive momentum, with projected growth in the
sebesar 5,0-5,2% (yoy) di 2025 didukung pertumbuhan range of 5.0% to 5.2% (yoy) in 2025. This is supported by
konsumsi rumah tangga, khususnya untuk kelas menengah household consumption growth, particularly among the middle-
ke atas. Hal ini dicapai dengan berlanjutnya penguatan to-upper income segments. The sustained strengthening of
permintaan domestik dan reformasi struktural guna mendukung domestic demand and ongoing structural reforms aimed at
peningkatan produktivitas dan penguatan struktur pertumbuhan boosting productivity and reinforcing the structure of economic
ekonomi, termasuk sektor ekonomi yang dapat menyerap growth, including in sectors with high employment absorption
tenaga kerja dan memiliki nilai tambah yang tinggi. Pemerintah and value-added potential, are expected to play key roles. The
Indonesia juga tetap menunjukkan atensinya untuk mendorong Indonesian government continues to show strong commitment
pertumbuhan segmen usaha UMKM, mengingat sifatnya yang to supporting the growth of Micro, Small, and Medium
mampu menyerap tenaga kerja dalam jumlah besar dan relatif Enterprises (MSMEs), given their large employment capacity
lebih tahan terhadap guncangan perekonomian global. Kinerja and relative resilience to global economic shocks. Non-oil and
ekspor nonmigas diprakirakan meningkat, didorong produk gas export performance is also expected to improve, driven by
manufaktur dan pertambangan. manufacturing and mining products.
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Transaksi digital, diprakirakan juga terus tumbuh, dengan Digital transactions are anticipated to continue growing in
volume transaksi maupun nilai transaksi yang semakin both volume and value, supported by the rapid advancement
meningkat, didukung oleh pesatnya perkembangan aplikasi of information technology applications that enable people
teknologi informasi yang memudahkan masyarakat untuk to transact safely, anytime and anywhere. For 2025, Bank
bertransaksi kapan dan dimana pun dengan aman. Untuk Indonesia forecasts that digital payment transactions—
tahun 2025, BI memprakirakan transaksi pembayaran digital, including those made via mobile and internet applications—will
yakni transaksi melalui aplikasi mobile dan internet, tumbuh grow by 52%. Retail transaction volumes processed through
dengan tingkat yang lebih tinggi, yakni 52%. Adapun volume BI-FAST are projected to increase by 34.1% (yoy), while the
transaksi ritel yang diproses melalui BI-FAST juga diperkirakan value of large-value transactions processed through BI-RTGS is
tumbuh 34,1% (yoy), dengan nilai transaksi nilai besar yang expected to grow by 11.4% (yoy).
diproses melalui BI-RTGS diperkirakan tumbuh 11,4% (yoy).
KEBIJAKAN DAN INISIATIF STRATEGIS TAHUN STRATEGIC POLICIES AND INITIATIVES IN
2024 2024
Merespons kondisi usaha yang berkembang dinamis, penuh In response to the dynamic, challenging, and uncertain business
tantangan dan ketidakpastian Bank menetap berbagai inisiatif environment, the Bank set forth a range of strategic initiatives
strategis dengan beberapa tujuan, mencakup: meraih peluang with several key objectives: to seize opportunities arising from
terbaik dari berkembangnya transaksi digital, menjaga kualitas the growth of digital transactions, maintain credit quality,
kredit, meningkatkan saldo CASA dan meningkatkan laba increase CASA balances, and improve net profit. To achieve
bersih. Untuk mewujudkannya, Bank menjalankan beragam these goals, the Bank implemented a series of simultaneous
kebijakan dan inisiatif strategis yang diterapkan secara simultan, policies and strategic initiatives as follows:
sebagai berikut:
1. Diversifikasi produk pembiayaan melalui implementasi 1. Diversification of financing products through the
digital lending untuk keperluan konsumtif maupun modal implementation of digital lending for both consumption
kerja dengan pemanfaatan Big Data analytic serta scoring and working capital purposes, utilizing Big Data analytics
engine. and a credit scoring engine.
2. Melakukan penyaluran/pembiayaan kredit melalui 2. Channeling credit financing through cooperatives to
chanelling koperasi untuk meningkatkan sektor mikro enhance the micro and MSME sectors.
dan UMKM.
3. Pengembangan bisnis ke supply chain financing & 3. Expansion into supply chain financing and distributor
distributor financing dari debitur eksisting maupun debitur financing, targeting both existing and new debtors, while
baru dengan meningkatkan transaksi pembayaran baik increasing transaction volumes across both offline and
offline maupun online. online payment channels.
4. Fokus pada penghimpunan dana murah berbasis mobile 4. Focus on collecting low-cost funds via mobile platforms,
yang terhubung dengan e-Commerce, fintech, dan integrated with e-commerce, fintech, and merchants.
merchant. Produk pendanaan seperti tabungan milenial, Fundraising products include millennial savings, future
tabungan masa depan, produk investasi, tabungan emas savings, investment products, gold savings, and others.
dan lain-lain.
5. Akselerasi kolaborasi dengan mitra bisnis, baik dari 5. Accelerating collaboration with business partners in
penghimpunan dan penyaluran dana, untuk mendorong both funding and lending to boost customer acquisition
akuisisi nasabah dan transaksi melalui integrasi sistem and transactions through system integration based on
berbasis teknologi dalam kaitan membangun ekosistem technology, aimed at building a digital ecosystem.
digital.
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6. Melakukan cross selling dan value chain financing dengan 6. Cross-selling and value chain financing through AG
jaringan usaha yang dimiliki AG Network dan nasabah/ Network’s business network and existing customers/debtors
debitur eksisting guna menambah customer base Bank. to expand the Bank’s customer base. The Bank intensified
Intensifikasi bisnis menggunakan sistem closed loop yang its use of a low-risk closed-loop system, considering the
berisiko rendah, melihat besarnya peluang pasar ritel di vast retail market potential projected for 2030.
tahun 2030.
7. Peningkatan fee based income melalui komisi dan biaya 7. Enhancing fee-based income through commissions
administrasi, transactional banking, transaksi valuta asing, and administrative fees, transactional banking, foreign
trade finance, kolaborasi dengan perusahaan Fintech exchange transactions, trade finance, partnerships with
Payment & e-Commerce, penjualan produk bancassurance fintech payment companies and e-commerce platforms,
dan transaksi yang dibangun dari kerjasama pihak ketiga bancassurance product sales, as well as transactions
maupun pengembangan channel milik Bank. originating from third-party collaborations and the
development of the Bank’s channels.
8. Pengembangan kompetensi SDM dengan meningkatkan 8. Developing human capital competencies by improving
product knowledge dan selling skill dari seluruh tim product knowledge and selling skills across the consumer
marketing konsumer. marketing team.
9. Optimalisasi tenaga sales di Cabang untuk berkontribusi 9. Optimizing branch sales personnel to contribute to credit
dalam meningkatkan portofolio kredit melalui percepatan portfolio growth through expedited approval processes,
proses persetujuan, pemberian program insentif dan competitive pricing, and incentive programs.
pricing yang kompetitif.
10. Perbaikan Bisnis proses penyaluran & administrasi kredit. 10. Business process improvements in credit distribution and
administration.
PERAN DIREKSI DALAM PERUMUSAN THE BOARD OF DIRECTORS’ ROLE IN
STRATEGI DAN KEBIJAKAN SERTA LANGKAH STRATEGY FORMULATION, POLICY-MAKING,
MONITORING YANG DIJALANKAN AND MONITORING MEASURES
Sebagaimana ditetapkan oleh Otoritas Jasa Keuangan (OJK), As mandated by the Financial Services Authority (OJK), all
seluruh bank di Indonesia wajib menyusun dan menyampaikan banks in Indonesia are required to prepare and submit a Bank
Rencana Bisnis Bank (RBB) sebagai salah satu syarat Business Plan (RBB) as one of the prerequisites for conducting
pelaksanaan kegiatan operasional suatu lembaga perbankan. banking operations. The RBB outlines the Bank’s strategies,
RBB berisikan strategi dan kebijakan strategis Bank serta target strategic policies, as well as the targets and projections to be
dan proyeksi yang akan dicapai Bank. Direksi menjalankan achieved. The Board of Directors plays a central role in the
peran yang sangat sentral dalam proses penyusunan RBB. preparation of the RBB.
Penyusunan RBB diawali dengan mengevaluasi kinerja Bank The RBB preparation process begins with an evaluation of the
selama 5 (lima) tahun terakhir. Selanjutnya Direksi di dalam Bank’s performance over the past 5 (five) years. Following this,
rapat Direksi mengevaluasi pencapaian masing-masing unit the Board of Directors, through Board meetings, evaluates the
kerja atas RBB tahun berjalan setiap direktorat, dimana setiap performance of each directorate against the current year’s RBB.
direktorat memaparkan kinerja atas RBB tahun berjalan berikut Each directorate presents its performance outcomes, including
penjelasan atas pencapaian tersebut. explanations of achievements relative to targets.
Direksi memberikan arahan dalam bentuk Kebijakan Umum The Board of Directors provides direction in the form of the
Direksi (KUD), dimana KUD tersebut berisi asumsi-asumsi antara General Policy of the Board of Directors (KUD), which includes
lain, asumsi makro ekonomi (GDP, tingkat inflasi, kurs, dan suku several assumptions, such as macroeconomic indicators (GDP,
bunga). Disamping itu juga ditetapkan asumsi pertumbuhan inflation rate, exchange rate, and interest rate). Additionally,
kredit (termasuk ditetapkan sektor ekonomi yang menjadi assumptions regarding credit growth (including prioritized
prioritas dan sektor ekonomi yang dihindari) dan rasio NIM and restricted economic sectors) and the targeted Net Interest
yang harus dijaga. Selain itu ditetapkan asumsi pertumbuhan Margin (NIM) are also determined. Further assumptions include
DPK terutama pertumbuhan CASA, asumsi Fee Based Income, Third-Party Funds (DPK) growth-especially CASA growth, fee-
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efisiensi biaya yang dapat dilakukan termasuk target rasio based income, cost efficiency initiatives including targeted
BOPO dan target laba yang hendak dicapai. Program kerja di BOPO ratio, and profit targets. Human Capital and IT work
bidang Human Capital dan IT juga menjadi perhatian utama programs are also key focus areas in the formulation of the RBB.
dalam penyusunan RBB.
Selanjutnya, seluruh direktorat memaparkan strategi dan Subsequently, each directorate presents its strategies and work
program kerja yang akan dilakukan untuk mencapai target programs aimed at achieving the established targets, including
yang ditetapkan berikut enabler untuk mencapai target tersebut. the enablers required to support achievement. The RBB draft
Kemudian dilakukan konsolidasi dan fine tuning terhadap RBB is then consolidated and refined. The Board of Directors
yang telah disusun. Lalu Direksi meminta persetujuan Dewan then seeks approval from the Board of Commissioners in a
Komisaris dalam rapat Komisaris. Setelah mendapat persetujuan Commissioners’ Meeting. Upon obtaining approval, the RBB is
dari Dewan Komisaris maka RBB dapat disampaikan kepada submitted to the regulator. The finalized RBB is then distributed
regulator. RBB yang telah dibuat didistribusikan ke seluruh unit to all work units as a reference for target realization.
kerja sebagai pedoman dalam pencapaian target.
Penyusunan RBB sejak awal melibatkan seluruh pemimpin The RBB preparation process involves all unit leaders, both
unit kerja yang ada, baik unit kerja bisnis maupun non bisnis. from business and non-business units. The strategies outlined
Strategi yang telah ditetapkan dalam RBB dibuat merupakan in the RBB are cascaded into actionable work programs at all
pedoman di setiap tingkatan yang diturunkan dalam bentuk levels of the organization to ensure alignment. Performance
program kerja yang mendukung dan sejalan dengan strategi monitoring and evaluation of each unit is conducted regularly,
tersebut. Pelaksanaan pemantauan dan evaluasi atas kinerja on a weekly, bi-weekly, or monthly basis, where work units
setiap unit kerja dilakukan secara periodik baik mingguan, report their performance in forums such as Board meetings and
dua mingguan maupun bulanan dimana setiap unit kerja management committee meetings. When necessary, additional
menyampaikan kinerjanya dalam forum antara lain dalam rapat or ad hoc meetings may be held where management provides
Direksi dan rapat management committee. Dalam hal dianggap further guidance on performance, enabling prompt corrective
perlu dapat dilakukan juga rapat atau pertemuan yang sifatnya actions if needed.
insidental dimana manajemen memberikan pengarahan atas
kinerja yang dicapai sehingga bila diperlukan tindakan koreksi
segera dapat dilakukan.
PENCAPAIAN KINERJA BANK TAHUN 2024 BANK PERFORMANCE ACHIEVEMENTS IN
2024
Penguatan dan penajaman strategi bisnis yang terus dilakukan The continued strengthening and sharpening of the Bank’s
membuat Bank lebih adaptif dalam merespons kondisi business strategies enabled Bank Artha Graha Internasional
perekonomian dan iklim usaha terkini, sekaligus membuat to become more adaptive in responding to current economic
Bank semakin lincah dalam meraih peluang pertumbuhan, conditions and business climate. This also enhanced the Bank’s
sehingga berhasil mencatatkan kinerja bisnis yang positif dan agility in seizing growth opportunities, leading to positive and
solid di tahun 2024. solid business performance in 2024.
Pada tahun 2024, total kredit yang diberikan Bank Artha In 2024, total loans disbursed by Bank Artha Graha Internasional
Graha Internasional mencapai nilai sebesar Rp10,60 triliun, amounted to IDR10.60 trillion, a decrease of 12.69% compared
menurun 12,69% dari tahun sebelumnya, sebesar Rp12,14 to the previous year’s IDR12.14 trillion. This achievement
triliun. Pencapaian tersebut setara dengan 75,31% dari target represents 75.31% of the Bank Business Plan (RBB) 2024 target
RBB 2024 yang sebesar Rp14,08 triliun. Kredit yang diberikan of IDR14.08 trillion. The Bank’s loan portfolio primarily consisted
Bank utamanya berupa kredit produktif, yaitu sebesar Rp8,30 of productive loans, amounting to IDR8.30 trillion or 78.33% of
triliun yang setara dengan 78,33% total kredit, kemudian diikuti total loans, followed by consumer loans totaling IDR2.29 trillion
oleh kredit konsumtif dengan nilai sebesar Rp2,29 triliun atau or 21.67% of total loans.
21,67% total kredit.
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Dana pihak ketiga (DPK) yang dihimpun Bank di tahun 2024 Third-Party Funds (DPK) collected by the Bank in 2024
adalah sebesar Rp23,89 triliun, naik 15,80% dari posisinya di amounted to IDR23.89 trillion, an increase of 15.80% from
tahun 2023 yang senilai Rp20,63 triliun. Saldo DPK sebesar IDR20.63 trillion in 2023. This DPK figure represents 97.36%
Rp23,89 triliun tersebut setara dengan pencapaian sebesar of the 2024 RBB target of IDR24.53 trillion. The Bank’s DPK in
97,36% target RBB 2024 yang sebesar Rp24,53 triliun. DPK 2024 was mainly in the form of time deposits, totaling IDR15.53
Bank di tahun 2024 utamanya berupa produk Deposito, sebesar trillion, while current accounts and savings reached IDR6.51
Rp15,53 triliun, sedangkan produk Giro dan Tabungan masing- trillion and IDR1.83 trillion, respectively.
masing senilai Rp6,51 triliun dan Rp1,83 triliun.
Bank mencatatkan pendapatan bunga di tahun 2024 total Interest income in 2024 totaled IDR1.64 trillion, an increase of
sebesar Rp1,64 triliun, naik 10,86% dari senilai Rp1,48 triliun 10.86% from IDR1.48 trillion in the previous year. This interest
di tahun sebelumnya. Pendapatan bunga tersebut utamanya income was mainly derived from loan interest, which amounted
berasal dari pendapatan bunga kredit yaitu sebesar Rp1,03 to IDR1.03 trillion, and interest income from securities managed
triliun dan pendapatan bunga efek-efek yang dikelola Divisi by the Treasury Division, totaling IDR476.77 billion.
Treasury, sebesar Rp476,77 miliar.
Dengan naiknya kinerja pendapatan bunga tersebut ditambah The increase in interest income, along with a 14.38% rise in
adanya peningkatan pendapatan operasional lainnya yang other operating income, enabled the Bank to record a net
naik 14,38%, di tahun 2024, Bank mencatatkan laba bersih profit for the year of IDR152.47 billion in 2024, up 3.90% from
tahun berjalan sebesar Rp152,47 miliar, meningkat 3,90% IDR146.75 billion in 2023.
dibandingkan tahun sebelumnya, yang senilai Rp146,75 miliar.
Kinerja keuangan tersebut membuat rasio keuangan Bank Despite these achievements, the Bank’s financial ratios showed
menunjukkan kinerja fluktuatif dengan kecenderungan fluctuating trends with a general downward tendency, in line
menurun selaras dengan menurunnya pertumbuhan ekonomi with slowing economic growth and increasing competition.
dan bertambahnya tingkat persaingan. Hal tersebut tergambar This is reflected in a decrease in Return on Assets (ROA) to
dalam rasio ROA turun menjadi 0,55% dari 0,60%, ROE turun 0.55% from 0.60%, a slight drop in Return on Equity (ROE)
menjadi 4,23% dari 4,24%, serta NIM juga menurun menjadi to 4.23% from 4.24%, and a reduction in Net Interest Margin
4,07% dari 5,58%. Sedangkan dari sisi kualitas aset tercatat (NIM) to 4.07% from 5.58%. In terms of asset quality, there was
terdapat penurunan kualitas dengan NPL gross meningkat dari a decline, as evidenced by the gross Non-Performing Loan
tahun sebelumnya, menjadi sebesar 2,40% dari 1,74% dan NPL (NPL) ratio rising to 2.40% from 1.74%, and the net NPL ratio
net juga meningkat menjadi 0,77% dari 0,31%. increasing to 0.77% from 0.31%.
Adapun oustanding total aset yang dibukukan Bank tahun As of the end of 2024, the Bank recorded total assets of
2024 adalah sebesar Rp30,12 triliun, naik 15,41% dari tahun IDR30.12 trillion, marking a 15.41% increase from IDR26.10
2023 yang senilai Rp26,10 triliun. trillion in 2023.
TANTANGAN DAN KENDALA YANG DIHADAPI CHALLENGES AND CONSTRAINTS
Kompetisi yang semakin masif, khususnya di segmen digital In 2024, Bank Artha Graha Internasional encountered several
banking, baik dengan bank konvensional maupun bank digital challenges, notably the intensifying competition in the digital
menjadi salah satu tantangan yang dihadapi Bank Artha banking sector-both from conventional and fully digital banks.
Graha Internasional di tahun 2024, terlebih Bank memiliki This was particularly relevant in light of the Bank’s target
target akuisisi 1 juta nasabah. Untuk mewujudkannya, Bank to acquire one million customers. To achieve this, the Bank
terus meningkatkan kualitas layanan digital banking dengan consistently improved the quality of its digital banking services
menawarkan berbagai fitur-fitur baru, untuk meningkatkan by introducing new features aimed at enhancing customer
kenyamanan nasabah sekaligus menjawab kebutuhan nasabah convenience and meeting their evolving banking needs.
dalam melakukan transaksi perbankan.
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Bank juga berupaya memastikan calon nasabah telah The Bank also placed strong emphasis on ensuring that
memenuhi persyaratan sebagai pengguna jasa layanan Bank prospective customers met the necessary criteria for utilizing its
dengan proses verifikasi yang cepat, teliti dan efisien, guna services through a verification process that was swift, accurate,
menghindari risiko tidak validnya data nasabah yang berpotensi and efficient. This was crucial in mitigating risks related to
memicu terjadinya penyalahgunaan rekening oleh nasabah invalid customer data, which could otherwise lead to misuse
yang tidak bertanggung jawab. Untuk mengatasinya, Bank of accounts by irresponsible parties. To support this, the
meningkatkan tim operasional yang memadai untuk proses Bank reinforced its operations team responsible for customer
verifikasi dan KYC nasabah baru. Bank juga telah berencana verification and Know Your Customer (KYC) procedures.
untuk menerapkan e-KYC pada aplikasi agi digital apps sebagai Moreover, the Bank planned to implement electronic Know Your
tools untuk mempercepat proses akuisisi rekening online. Customer (e-KYC) within its agi digital application to accelerate
online account onboarding.
Tantangan lain yang harus diatasi sehubungan dengan fokus Aligned with global trends in digitization, cybersecurity, and
Bank yang sejalan dengan trend global yaitu Digitalisasi, Cyber transformation, the Bank also had to address growing risks
Security dan transformasi adalah potensi risiko keamanan data associated with data security and cyber threats. To manage
dan cyber attack. Untuk mengatasinya, Bank menjalankan this, several initiatives were carried out, including ongoing
beberapa program, mencakup: Pemeliharaan dan Pengkinian technology updates, round-the-clock system security
Teknologi; Pemantauan Keamanan Sistem menggunakan monitoring using Security Information & Event Management
platform Security Information & Event Management (SIEM) (SIEM) and a 24/7 Security Operation Center (SOC), as well as
dan Security Operation Center (SOC) yang beroperasi 24/7; improved management of user workstations.
dan Pengelolaan Workstation Pengguna.
Bank melanjutkan upaya pengembangan organisasi efektif The Bank further committed to building an effective
untuk mendukung model bisnis dengan melakukan perputaran organizational structure to support its business model, which
karyawan antar direktorat, mutasi cabang antar kota merupakan included employee rotations across directorates and inter-city
suatu tantangan tersendiri. Bank menyelenggarakan program branch transfers, both posing their challenges. In response,
peningkatan kompetensi dasar secara komprehensif, selain the Bank implemented a comprehensive basic competency
menjalankan peningkatan kompetensi mengacu pada development program while also ensuring employee
kualifikasi dan sertifikasi wajib sesuai ketentuan regulator, qualifications and certifications met regulatory requirements.
seperti: Sertifikasi Manajemen Risiko, Sertifikasi Treasury These included Risk Management Certification, Treasury Dealer
Dealer, Sertifikasi Audit Intern Bank dan Sertifikasi Kompetensi Certification, Bank Internal Audit Certification, and Payment
Sistem Pembayaran. Bank menjalankan proses rekrutmen System Competency Certification. A selective recruitment
dan seleksi dengan ketat agar diperoleh kandidat dengan and hiring process was maintained to secure candidates with
kompetensi dan potensi yang sesuai dengan kebutuhan. Bank the required skills and potential. This was complemented
kemudian menyelenggarakan program coaching dan mentoring by coaching and mentoring programs aimed at boosting
yang tepat kepada karyawan sehingga dapat meningkatkan employee motivation and achieving optimal performance. The
motivasi dan menghasilkan kinerja yang diinginkan. Bank juga Bank also strengthened its leadership capacity, particularly at
memperkuat aspek leadership, khususnya pada level senior the senior management level, as part of succession planning
yang sekaligus juga menjadi bagian dari program regenerasi and regeneration efforts.
di Bank.
Selain pembenahan Human Capital, Bank juga melakukan In addition to strengthening Human Capital, the Bank undertook
pembenahan pada aspek bisnis dan operasional dengan several business and operational improvements to enhance
meningkatkan produktivitas dan kualitas kerja di beberapa unit productivity and efficiency in various operational units. These
kerja operasional. Langkah yang dilakukan diantaranya adalah included centralizing out-of-town operational functions to the
melanjutkan proses sentralisasi pekerjaan unit kerja operasional Head Office. In adapting to evolving regulations, the Bank also
yang berada di luar kota ke Kantor Pusat. Sedangkan untuk integrated its regulatory reporting processes and continued
menyikapi perubahan regulasi, Bank melakukan integrasi to improve automation and integration of regulatory reporting
laporan regulator dan konsisten meningkatkan otomasi dan systems.
integrasi pelaporan ke regulator.
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DIGITALISASI PERBANKAN BANKING DIGITALIZATION
Bank Artha Graha Internasional terus menunjukkan tekadnya Bank Artha Graha Internasional continues to demonstrate its
untuk mendorong terjadinya peningkatan kualitas, kuantitas commitment to enhancing the quality, quantity, and value of
maupun nilai layanan dan transaksi digital melalui channel digital services and transactions through its mobile banking,
mobile banking, internet banking, API, ATM, dan layanan QRIS. internet banking, API, ATM, and QRIS channels. On average,
Seluruh channel secara average mencatatkan peningkatan all channels recorded increases in both transaction volume and
volume transaksi maupun nilai di tahun 2024 dibandingkan value in 2024 compared to 2023. The Bank’s strategic focus
dengan tahun 2023. Bank berupaya mengakuisisi dan included acquiring and expanding its customer base, increasing
menambah head account nasabah, meningkatkan saldo CASA, CASA balances, boosting transaction volume, optimizing credit
meningkatkan volume transaksi, mengoptimalkan penyaluran distribution, and capturing fee-based income potential from
kredit, serta meraih potensi fee based income, baik dari transaksi both digital and other transactions.
digital maupun transaksi lainnya.
Di tahun 2024 Bank mulai berinisiatif untuk mengembangkan In 2024, the Bank also took the initiative to develop its digital
platform dan infrastruktur digital lending agar mempercepat lending platform and infrastructure to streamline onboarding,
proses onboarding, analisa scoring, serta disbursement scoring analysis, and financing disbursement, ensuring a
pembiayaan agar semakin seamless dan tetap pruden. Dengan seamless yet prudent process. Through partnerships with
berkerjasama melalui marketplace dan platform retail yang marketplaces and retail platforms focused on financing, the
fokus ke pembiayaan, Bank berharap melalui kerjasama Bank aims to drive growth in its consumer banking segment via
platform digital lending ini dapat mendorong pertumbuhan this digital lending collaboration.
bisnis konsumer.
Bank juga terus memperkuat dan mengembangkan berbagai The Bank also continued to strengthen and enhance its existing
channel pembayaran yang telah dimiliki. Untuk mendukung payment channels. To support the growing retail segment,
berkembangnya segmen retail, Bank menyediakan platform it provided a Digital App platform offering various features,
Digital Apps dengan berbagai macam fitur, mulai dari including online onboarding, QRIS payments without login,
onboarding online, fitur QRIS tanpa login, tarik tunai tanpa cardless cash withdrawals, and a range of biller services tailored
kartu, serta berbagai macam biller yang didasarkan pada to customer needs. It also provided QRIS channels for MSME
kebutuhan dari nasabah, menyediakan channel QRIS untuk business segments to facilitate payment acceptance across
segmentasi bisnis UMKM dalam penerimaan pembayaran partner merchants, along with ATM card services using the
di seluruh merchant yang bekerja sama dengan Bank, selain National Payment Gateway (GPN) and retail internet banking.
menyediakan layanan kartu ATM dengan fitur GPN (Gerbang
Pembayaran Nasional) serta internet banking retail.
Pada segment B2B (business to business), Bank mengembangkan In the B2B (Business-to-Business) segment, the Bank expanded
layanan internet banking bisnis, dengan kemudahan transaksi its business internet banking services, offering transaction
seperti transfer dana pemindah bukuan antar rekening, BI-FAST, conveniences such as account transfers, BI-FAST, RTOL (Real-
RTOL (Realtime Online transfer), SKN & RTGS dan dukungan Time Online Transfer), SKN, and RTGS, supported by both
media approval hard & soft token. Disamping itu, Bank juga hard and soft token approval mechanisms. Additionally, the
melakukan pengembangan pada layanan API Management, Bank developed its API Management services, including virtual
antara lain virtual account, transfer dana, QRIS, cek saldo dan accounts, fund transfers, QRIS, and balance and transaction
mutasi. history checks.
Peningkatan secara signifikan pada channel layanan QRIS To significantly boost usage of QRIS and mobile banking
dan mobile banking diupayakan melalui penyelenggaraan channels, the Bank launched various events and transaction
berbagai event serta program transaksi yang dilakukan untuk programs aimed at driving user adoption and transaction
mendorong penetrasi user dan transaksi. Beberapa inisiasi frequency. Initiatives such as QRIS cashback, referral programs,
program seperti program cashback QRIS, ajak teman, serta fee waivers, and the “Merchant Juara” program have proven
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free biaya admin serta Merchant Juara terus dijalankan, karena effective in encouraging customers to increase their usage of
terbukti mampu menarik nasabah untuk terus meningkatkan the Bank’s e-channels.
frekuensi penggunaan layanan e-channel Bank.
Untuk mendukung peningkatan transaksi digital dan To support the growth in digital transactions and improve service
mengoptimalkan kehadandalan layanan, Bank memperkuat reliability, the Bank reinforced its communication networks
jaringan komunikasi, melakukan pembaruan pada infrastruktur and upgraded its network infrastructure to enhance capacity,
jaringan untuk meningkatkan kapasitas, kecepatan, dan speed, and connection stability. This included adopting the
stabilitas koneksi. Langkah ini juga mencakup adopsi teknologi latest networking technologies to support the expansion of
jaringan terbaru guna mendukung pertumbuhan produk digital products and ensure seamless system integration. These
digital dan memastikan kelancaran integrasi sistem. Langkah efforts were accompanied by regular IT audits, penetration
tersebut diikuti dengan pelaksanaan Audit IT secara berkala, testing of Bank services and channels, and a strong focus on
menjalankan penetration testing pada layanan serta channel cybersecurity through internal self-assessments—essential to
Bank dengan fokus pada penanganan cyber security melalui safeguarding against external threats. These measures also
self-assessment dari Bank, yang wajib dilakukan untuk menjaga contributed to the Bank’s efforts to improve its cybersecurity
keamanan dari serangan luar. Hal ini juga dimaksudkan untuk maturity level and overall digital maturity.
memperkuat tingkat maturitas keamanan siber dan maturitas
digital Bank.
Untuk perlindungan keamanan, Bank mengembangkan multi For enhanced protection, the Bank implemented multi-layer
layer security internal maupun pengamanan SSL (secure socket internal security measures and SSL (secure socket layer)/
layer) / credential access bagi koneksi aplikasi atau platform yang credential access for application or platform connections from
berasal dari luar Bank. Selain itu, hardening untuk hardware, external sources. Regular security updates were also applied
software, operating system (OS), dan network tetap dilakukan to hardware, software, operating systems, and networks in
update security berkala sesuai dengan dinamika ancaman line with evolving threat landscapes. As part of its security
keamanan terkini. Sebagai bagian dari upaya peningkatan enhancement efforts, the Bank carried out several upgrades,
keamanan, Bank juga melakukan langkah-langkah: Refreshment including: Firewall Refreshment, Web Application Firewall
Firewall, Refreshment Web Application Firewall (WAF), Privilege (WAF) upgrades, Privileged Access Management (PAM), and
Access Management (PAM) dan Endpoint Security. Endpoint Security improvements.
Dalam melakukan ekspansi bisnis, Bank juga terus berupaya As part of its business expansion strategy, the Bank continued
untuk memaksimalkan kolaborasi dengan mitra bisnis melalui to maximize collaborations with business partners through
kerjasama B2B2C (Business to Business to Customer), serta B2B2C (Business-to-Business-to-Customer) cooperation
terus berinovasi dalam melakukan pengembangan fitur models. It also maintained innovation in the development of
pada aplikasi digital milik Bank berbasis mobile yang sesuai features within its mobile digital application, tailored to both
dengan segmentasi nasabah baik itu new customer maupun new and existing transactional customer segments. Business
transaksional. Pola kerjasama dengan mitra bisnis sebagai partnerships also served as acquisition channels for account
channel akuisisi untuk pembukaan rekening bank, kerjasama openings, QRIS service adoption, and acquirer cooperation
merchant dalam penggunaan layanan QRIS dan Acquirer. with merchants.
Beberapa fitur baru yang telah diperkenalkan pada channel Several new features introduced on the Bank’s channels last
Bank di tahun lalu, terus dikembangkan melalui implementasi year continued to be expanded, including the implementation
layanan BI Fast dan penambahan biller baru yaitu PBB dan of BI-Fast and the addition of new billers, such as Land and
PDAM (114 kota) di channel Mobile Banking maupun Internet Building Tax (PBB) and Regional Water Companies (PDAM) in
Banking Bisnis. Selain fokus pada channel milik Bank, 114 cities, available through both Mobile Banking and Business
Internet Banking.
Bank Artha Graha Internasional juga melanjutkan fokus Beyond strengthening its own channels, Bank Artha Graha
dalam menggarap segmen UMKM dengan menggali potensi Internasional also continued focusing on the MSME segment
pembiayaan SME dari Nasabah Merchant eksisting maupun by tapping into SME financing potential from both existing
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yang baru. Bank melihat adanya potensi yang besar pada and new merchant customers. The Bank recognized strong
segmen UMKM, karena itu Bank membuat skema program potential in the MSME segment and developed special SME
khusus untuk penyaluran kredit SME, mencakup: promo bunga loan programs, including promotional interest rates and the
khusus dan pengembangan konsep pembiayaan Supply Chain development of Supply Chain Financing (SCF) schemes.
Financing (SCF).
Keseluruhan inisiatif strategis yang dijalankan Bank tahun All of these strategic initiatives carried out in 2024 were
2024 tersebut juga diikuti dengan penguatan kapasitas SDM supported by strengthening the Bank’s human capital capacity,
yang dilakukan dengan mengimplementasikan Human Capital guided by the implementation of its Human Capital Roadmap
Roadmap sejalan dengan rencana jangka panjang Bank. aligned with the Bank’s long-term plans.
PENERAPAN TATA KELOLA PERUSAHAAN IMPLEMENTATION OF GOOD CORPORATE
YANG BAIK GOVERNANCE (GCG)
Bank meyakini bahwa penerapan GCG akan meningkatkan nilai The Bank firmly believes that the implementation of Good
tambah bagi shareholders dan stakeholders. Bank juga meyakini Corporate Governance (GCG) enhances added value for both
bahwa penerapan praktik terbaik GCG akan berdampak positif shareholders and stakeholders. The Bank also recognizes that
terhadap kinerja, sekaligus mendukung pencapaian visi dan misi the adoption of GCG best practices positively impacts overall
Perusahaan. Oleh karenanya Bank berkomitmen penuh untuk performance and supports the achievement of the Company’s
senantiasa menjaga kualitas penerapan Tata Kelola dengan vision and mission. Therefore, the Bank is fully committed to
predikat Baik (PK-2) secara berkelanjutan dengan meningkatkan consistently maintaining the quality of its GCG implementation
koordinasi kerja antar unit kerja terkait. Bank juga berkomitmen with a “Good” (PK-2) rating on an ongoing basis, by enhancing
penuh untuk menerapkan praktik terbaik GCG, sesuai dengan coordination among relevant working units. Furthermore, the
ketentuan OJK terakhir, yakni POJK 17/2023 tentang Penerapan Bank is fully committed to applying the best practices of GCG
Tata Kelola bagi bank Umum. in accordance with the latest regulations issued by the Financial
Services Authority (OJK), namely OJK Regulation No. 17/2023
concerning the Implementation of Governance for Commercial
Banks.
Untuk memastikan terjaganya kualitas penerapan best practice To ensure the consistent application of governance best
tata kelola, Bank melakukan evaluasi dan penilaian GCG melalui practices, the Bank conducts GCG evaluations and assessments
mekanisme self-assessment yang dilaksanakan setiap semester. through a self-assessment mechanism carried out every
Hasil self-assessment dilaporkan kepada OJK bersama dengan semester. The results of these self-assessments are reported
penyampaian Laporan Tingkat Kesehatan Bank. to OJK together with the submission of the Bank’s Soundness
Level Report.
Kemudian sehubungan dengan semakin mengemukanya In light of the growing emphasis on sustainability issues and
isu keberlanjutan, dan sebagai wujud komitmen dukungan as part of its commitment to supporting the achievement of
pencapaian tujuan keberlanjutan dan wujud perbaikan kualitas sustainability goals and improving the quality of corporate
pengelolaan Perusahaan, Bank telah mengintegrasikan management, the Bank has integrated the management of
pengelolaan risiko aspek sosial, lingkungan dan governansi social, environmental, and governance risks into its operational
sebagai bagian dari pengelolaan risiko operasional Bank. Bank risk management framework. The Bank has developed several
telah menyusun beberapa pedoman kerja yang ditujukan untuk internal guidelines aimed at managing sustainability-related
mengelola risiko terkait keberlanjutan, seperti: risks, including:
1. Pedoman Keuangan Berkelanjutan; 1. Sustainable Finance Guidelines;
2. Pedoman Taksonomi Hijau; 2. Green Taxonomy Guidelines;
3. Prosedur Pembiayaan Proyek Bangunan Gedung Hijau; dan 3. Procedures for Financing Green Building Projects; and
4. Prosedur Pembiayaan Transportasi Ramah Lingkungan. 4. Procedures for Financing Environmentally Friendly
Transportation.
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Bank juga menyertakan karyawan untuk mengikuti program- The Bank also engages its employees in specialized training
program pelatihan khusus perihal mitigasi risiko serta tata kelola programs focused on risk mitigation and sustainability
keberlanjutan, berupa sosialisasi maupun workshop terkait governance, including socialization sessions and workshops on
ESG dan climate risk awareness yang diselenggarakan baik ESG and climate risk awareness, organized both by regulators
oleh regulator dan/atau organisasi lainnya dan juga dilakukan and other institutions, as well as internally through sessions on
secara internal dengan topik Sustainable Finance Awareness. Sustainable Finance Awareness.
PENERAPAN MANAJEMEN RISIKO DAN IMPLEMENTATION OF RISK MANAGEMENT
SISTEM PENGENDALIAN INTERNAL AND INTERNAL CONTROL SYSTEM
Merespons kondisi perekonomian maupun kondisi usaha In response to economic conditions and business environments
yang diwarnai ketidakpastian dan tingkat persaingan yang marked by uncertainty and intense competition, the Bank
tinggi, Bank memperkuat penerapan manajemen risiko dan has strengthened its implementation of risk management
sistem pengendalian internal. Untuk itu, Bank Artha Graha and internal control systems. To that end, Bank Artha Graha
Internasional terus melakukan berbagai upaya peningkatan Internasional continues to enhance compliance with operational
ketaatan pelaksanaan ketentuan operasional Bank di bidang regulations in areas such as operational activities, credit
operasional, persetujuan pemberian kredit, maupun pencairan approval, and credit disbursement processes, to minimize the
kredit, guna meminimalisir terjadinya risiko pelanggaran risk of regulatory breaches or non-performing loans.
maupun kredit macet.
Bank senantiasa memastikan kecukupan dan efektivitas The Bank consistently ensures the adequacy and effectiveness
penerapan manajemen risiko secara berkala dengan melakukan of risk management implementation through periodic
penilaian dan kajian terhadap profil risiko secara menyeluruh, evaluations and comprehensive assessments of its risk profile,
sehingga eksposur risiko Bank dapat dikelola dengan baik dan enabling the Bank to manage its risk exposure effectively and in
sesuai dengan risk appetite Bank. line with its established risk appetite.
Bank memastikan penerapan manajemen risiko telah dilakukan The Bank ensures that its risk management practices comply
sesuai ketentuan yang berlaku dengan melakukan penilaian with applicable regulations by conducting regular Risk Profile
Profil Risiko dan evaluasi secara berkala, pengukuran Risiko assessments and evaluations, IT Risk measurements, monitoring
IT, pemantauan pemenuhan Giro Wajib Minimum (GWM), the fulfillment of regulatory requirements such as the Minimum
Penyangga Likuiditas Makroprudensial (PLM), Rasio Intermediasi Reserve Requirement (GWM), Macroprudential Liquidity
Makroprudensial (RIM) termasuk perkembangan Dana Pihak Buffer (PLM), and Macroprudential Intermediation Ratio (RIM),
Ketiga (DPK) dan Aset Likuid Bank dan berbagai aktivitas including the development of Third Party Funds (DPK) and
lainnya. Selain itu, Bank juga telah menindaklanjuti berbagai Liquid Assets, among other activities. Additionally, the Bank has
temuan sebagaimana yang disampaikan oleh OJK. followed up on various findings issued by the Financial Services
Authority (OJK).
Sedangkan dalam penerapan sistem pengendalian internal In terms of internal control implementation, the Bank applies a
Bank, telah melakukan dual control secara menyeluruh dengan comprehensive dual control system by strengthening the role
meningkatkan peran supervisor dan melakukan sharing of supervisors and conducting regular knowledge sharing and
knowledge serta pembinaan rutin ke kantor cabang. coaching sessions with branch offices.
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF COMMITTEES
DIREKSI UNDER THE BOARD OF DIRECTORS
Dalam menjalankan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board of
dibantu oleh organ pendukung di bawah Direksi, baik yang Directors is supported by both structural and ad-hoc supporting
bersifat struktural maupun ad-hoc. Direksi dibantu oleh organ bodies. Structurally, the Board is assisted by the Corporate
yang bersifat struktural seperti Sekretaris Perusahaan, Internal Secretary, the Internal Audit Unit, and the Compliance Unit.
Audit dan Satuan Kerja Kepatuhan, Direksi juga memiliki 7 Additionally, the Board of Directors is supported by seven ad-
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(tujuh) Komite yang bersifat ad-hoc, yaitu Komite Kredit, Komite hoc committees: the Credit Committee, ALCO Committee,
ALCO, Komite Manajemen Risiko, Komite Pengarah Teknologi Risk Management Committee, Information Technology
Informasi, Komite Human Capital, Komite Kebijakan Perkreditan Steering Committee, Human Capital Committee, Credit Policy
dan Komite Produk. Committee, and Product Committee.
Sepanjang tahun 2024, Direksi menilai ketujuh komite tersebut Throughout 2024, the Board of Directors assessed that
telah menjalankan tugas dan tanggung jawabnya dengan these seven committees had performed their duties and
baik dan telah memberikan masukan dan rekomendasi yang responsibilities effectively, providing valuable input and
sangat berharga serta membantu bagi Direksi dalam proses recommendations that significantly supported the Board in the
pengambilan keputusan. decision-making process.
PERUBAHAN KOMPOSISI DIREKSI CHANGES IN THE COMPOSITION OF THE
BOARD OF DIRECTORS
Pada tahun 2024 tidak terdapat perubahan komposisi Direksi In 2024, there were no changes in the composition of the
Bank sesuai keputusan Rapat Umum Pemegang Saham Bank’s Board of Directors, in accordance with the resolution of
Tahunan yang diselenggarakan pada 26 Juni 2024 dan the Annual General Meeting of Shareholders held on June 26,
dituangkan dalam Akta Pernyataan Keputusan Rapat No. 05 2024, as stated in Deed of Meeting Resolution No. 05 dated
tanggal 17 Juli 2024. July 17, 2024.
D U K U N G A N P E N CA PA I A N T U J UA N SUPPORT FOR ACHIEVING SUSTAINABILITY
KEBERLANJUTAN GOALS
Bank sangat menyadari dan memahami bahwa keberlanjutan The Bank fully acknowledges and understands that sustainability
adalah elemen kunci dalam operasional perbankan modern, is a key element in modern banking operations, as well as a
sekaligus jalan menuju diraihnya kinerja serta pertumbuhan pathway toward achieving quality and sustainable business
skala usaha yang berkualitas dan berkesinambungan. Oleh performance and growth. Therefore, the Bank emphasizes
karenanya, Bank menekankan pentingnya integrasi aspek the importance of integrating environmental, social, and
lingkungan, sosial, dan tata kelola (ESG) dalam setiap lini bisnis. governance (ESG) aspects into every line of its business.
Pendekatan ini tidak hanya untuk memastikan kepatuhan This approach not only ensures regulatory compliance but
terhadap regulasi, tetapi juga untuk menciptakan nilai jangka also aims to create long-term value for stakeholders and the
panjang bagi pemangku kepentingan dan masyarakat luas. broader community. Accordingly, the Bank has designed
Bank kemudian merancang dan menjalankan program-program and implemented programs to support the achievement of
dukungan pencapaian tujuan keberlanjutan, yang disampaikan sustainability goals, as outlined in the Sustainable Finance
dalam dokumen Rencana Aksi Keuangan Berkelanjutan yang Action Plan (RAKB), which is regularly evaluated and submitted
dievalusi dan disampaikan secara berkala kepada Regulator, to the Regulator, with progress and outcomes disclosed in the
dimana progres dan hasilnya disampaikan dalam Laporan Sustainability Report.
Keberlanjutan.
Direksi Bank berperan penting dalam memastikan bahwa The Bank’s Board of Directors plays a crucial role in
Laporan Keberlanjutan disusun dengan akurat dan ensuring the Sustainability Report is prepared accurately
komprehensif. Direksi terlibat dalam penetapan strategi and comprehensively. The Board is involved in setting the
keberlanjutan, melakukan pemantauan implementasi sustainability strategy, monitoring the implementation of
program, dan menjalankan evaluasi terhadap kinerja program programs, and evaluating the performance of sustainability
keberlanjutan. Selain itu, Direksi juga memastikan bahwa initiatives. Additionally, the Board ensures that the report
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laporan tersebut memenuhi ketentuan yang ditetapkan oleh complies with the requirements set forth by the Financial
Otoritas Jasa Keuangan (OJK) dan standar internasional lainnya. Services Authority (OJK) and other international standards. All
Seluruh inisiatif tersebut menunjukkan komitmen Bank untuk of these initiatives reflect the Bank’s commitment to supporting
mendukung tercapainya beragam tujuan keberlanjutan, dan the achievement of various sustainability goals and contributing
berkontribusi positif bagi perbaikan lingkungan maupun positively to environmental preservation and the well-being of
kesejahteraan masyarakat. society.
PENUTUP CLOSING REMARKS
Direksi menyampaikan apresiasi dan terima kasih yang tulus The Board of Directors would like to express sincere appreciation
kepada seluruh pihak dan karyawan yang turut berkontribusi and gratitude to all parties and employees who contributed to
bagi meningkatnya kinerja Bank sepanjang tahun 2024. the Bank’s improved performance throughout 2024, including
Termasuk kepada Regulator yang telah melakukan pengawasan the Regulators for their supervision and guidance.
dan memberikan arahan.
Apresiasi dan terima kasih juga disampaikan kepada Dewan Our heartfelt appreciation also goes to the Board of
Komisaris atas pengawasan, nasihat, serta arahan yang Commissioners for their oversight, advice, and direction, which
diberikan, sehingga kepengurusan Bank dapat dilaksanakan enabled the Bank’s management to operate effectively and
dengan baik dan menghasilkan kinerja yang baik. deliver solid performance.
Tidak lupa, kepada seluruh nasabah, mitra kerja, dan para We also extend our gratitude to all customers, business
pemangku kepentingan lainnya, kami sampaikan terima kasih partners, and other stakeholders for the excellent cooperation
atas kerja sama yang telah terjalin dengan sangat baik. Ke and support. Moving forward, the Bank remains committed to
depan, Bank berkomitmen untuk terus berinovasi dalam continuous innovation in providing high-quality and professional
menyediakan kualitas pelayanan perbankan yang profesional banking services as part of our active contribution to national
dan berkualitas sebagai bentuk kontribusi aktif terhadap development.
pembangunan nasional.
Jakarta, 26 Maret 2025
Jakarta, March 26, 2025
Atas Nama Dewan Direksi
On behalf of the Board of Directors
PT Bank Artha Graha Internasional Tbk
Andy Kasih
Direktur Utama
President Director
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03
Profil Perusahaan
Company Profile
Penguatan organisasi dan penyempurnaan
produk dan layanan terus dilakukan Bank
Artha Graha Internasional untuk mendukung
akselerasi kinerja.
Bank Artha Graha Internasional continues to strengthen its
organization and improve its products and services to support
accelerated performance.
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IDENTITAS PERUSAHAAN
Corporate Identity
Nama
Name PT Bank Artha Graha Internasional Tbk
Status Perusahaan Perusahaan Terbuka
Company Status Public Company
Bidang Usaha Jasa Perbankan
Line of Business Banking Services
Tanggal Pendirian 7 September 1973
Date of Establishment September 7, 1973
Dasar Hukum Pendirian dan Akta Pendirian Bank No. 12 tanggal 7 September 1973 oleh Bagijo, S.H., notaris pengganti dari
Perubahan Terakhir Eliza Pondaag, S.H., notaris di Jakarta, yang telah mendapat pengesahan dari Menteri Kehakiman
Legal Basis of Establishment (sekarang menjadi Menteri Hukum dan Hak Asasi Manusia) melalui Surat Keputusan No. Y.A.5/2/12
tanggal 3 Januari 1975.
Deed of Establishment of the Bank No. 12 dated September 7, 1973 by Bagijo, S.H., substitute notary of
Eliza Pondaag, S.H., notary in Jakarta, which was approved by the Minister of Justice (now the Minister
of Law and Human Rights) through Decree No. Y.A.5/2/12 dated January 3, 1975.
Akta Perubahan terakhir yakni Akta Pernyataan Keputusan Rapat Perubahan Anggaran Dasar No. 06
tanggal 17 Juli 2024 oleh notaris Christina Susanto, S.H., M.Kn., notaris di Jakarta.
The latest Deed of Amendment is the Deed of Statement of Meeting Resolution on the Amendment of
the Articles of Association No. 06 dated July 17, 2024, made before Notary Christina Susanto, S.H.,
M.Kn., a notary in Jakarta.
Pemegang Saham PT Cakra Inti Utama 14,38%
Shareholders
PT Pirus Platinum Murni 6,73%
PT Cerana Arthaputra 6,54%
PT Puspita Bisnispuri 5,38%
PT Arthamulia Sentosajaya 4,15%
PT Karya Nusantara Permai 3,52%
Masyarakat (masing-masing di bawah 5%) 59,30%
Public (each below 5%)
Jumlah 100,00%
Total
Modal Dasar Rp5.800.132.800.000
Authorized Capital IDR5,800,132,800,000
Modal Ditempatkan dan Disetor Rp2.242.372.023.128,16
Penuh IDR2,242,372,023,128.16
Issued and Fully Paid-in Capital
Jumlah Karyawan 1.279 orang
Number of Employees 1.279 people
Bursa Efek Bursa Efek Indonesia
Stock Exchange Indonesia Stock Exchange
Tanggal Go Public 23 Agustus 1990
Listing Date August 23, 1990
Kode Saham
INPC
Stock Code
Kode ISIN
ID1000105505
ISIN Code
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Kode SWIFT
ARTGIDJA
SWIFT Code
Izin Usaha Surat Keputusan Menteri Keuangan Republik Indonesia No. 176/KMK.017/1993
Business License Decree of the Minister of Finance of the Republic of Indonesia No. 176/KMK.017/1993
Izin Bank Devisa Surat Keputusan Direksi Bank Indonesia No. 25/62/KEP/DIR tanggal 4 September 1992
Foreign Exchange Bank License Decree of the Board of Directors of Bank Indonesia No. 25/62/KEP/DIR dated September 4, 1992
Data Jaringan Kantor Kantor Pusat I Head Office 1
Office Network
Kantor Cabang I Branch Offices 31
Kantor Cabang Pembantu I Sub-Branch Offices 33
Payment Point -
ATM on Premises 73
ATM off Premises 83
ATM ALTO 52.350
ATM Prima 68.970
EDC ALTO 570.000
EDC Prima 1.187.083
Alamat Kantor Pusat | Head Office
Address
Gedung Artha Graha | Artha Graha Building
Kawasan Niaga Terpadu Sudirman (SCBD)
Jl. Jend. Sudirman Kav. 52-53, Jakarta Selatan 12190
Telp | Phone: (021) 515-2168 (Hunting)
Fax | Fac: (021) 515-3892
Surel
co_secretary@ag.co.id
Email
Laman Web
Website www.arthagraha.com
Media Sosial
@teman.agi
Social Media
@temanagi
Teman agi
@temanagi
temanagi by Bank Artha Graha Internasional
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VISI, MISI, DAN NILAI-NILAI PERUSAHAAN
Vision, Mission, and Corporate Value
Visi Menjadi Institusi Keuangan Terkemuka
dengan Kinerja Prima yang Berkelanjutan
dan Berkontribusi dalam Pembangunan
Vision
Indonesia.
To become a leading financial institution with
sustainable excellent performance that contributes
to the development of Indonesia.
Misi
Memberikan solusi keuangan berkelanjutan yang
komprehensif dan inovatif.
Providing comprehensive and innovative sustainable
Mission
financial solutions.
Meningkatkan jangkauan serta kualitas pelayanan
melalui digitalisasi dan inklusi keuangan.
Improving the reach and quality of services through
digitization and financial inclusion.
Mengembangkan sumber daya manusia yang handal
dan berdedikasi.
Developing reliable and dedicated human resources.
Menjalankan tata kelola perusahaan yang baik serta
peduli terhadap masyarakat dan lingkungan.
Implementing good corporate governance and caring
for the community and the environment.
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Nilai-Nilai Perusahaan
Corporate Values
Nilai-nilai perusahaan yang menjadi The corporate values that guide the
pedoman bagi para Karyawan Bank Artha Employees of Bank Artha Graha Internasional
Graha Internasional dalam mewujudkan Visi in realizing the Vision and Mission are:
dan Misi adalah:
Agility
Mampu untuk berpikir dan bertindak cepat dalam Able to think and act quickly in evaluating and
mengevaluasi dan merespons dinamika perubahan responding to the dynamics of industry changes
industri yang berdampak kepada keberlangsungan that impact the sustainability of the company.
perusahaan.
Collaboration
S e nantia s a m e mb uka ke s e mpatan untuk Always open opportunities to collaborate with
berkolaborasi dengan mitra strategis yang kompeten competent strategic partners in creating new
dalam menciptakan peluang baru demi kemajuan opportunities for the company’s progress.
perusahaan.
Innovation
Konsisten dalam mencapai upaya terbaik berupa Consistent in achieving the best efforts in the form
usulan atau tindakan perbaikan bertahap atau of proposals or actions for gradual or significant
signifikan guna menciptakan efisiensi, efektivitas dan improvements to create efficiency, effectiveness and
nilai tambah di bidang produk, proses, pelayanan, added value in the areas of products, processes,
dan/atau teknologi untuk memajukan perusahaan. services, and/or technology to advance the company.
TINJAUAN VISI, MISI, DAN NILAI-NILAI RE VIE W OF VI S ION, M I S S ION, AND
PERUSAHAAN OLEH DEWAN KOMISARIS CORPORATE VALUES BY THE BOARD OF
DAN DIREKSI COMMISSIONERS AND BOARD OF DIRECTORS
Pada tahun 2024, Bank telah melakukan review atas visi, misi In 2024, the Bank reviewed its vision, mission and values and
dan nilai-nilai perusahaan dan menganggap bahwa visi, misi considered that its existing vision, mission and values remained
dan nilai-nilai yang dimiliki Bank saat ini sesuai dengan kondisi in line with the conditions and challenges of the banking industry.
dan tantangan industri perbankan.
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LOGO PERUSAHAAN
Company Logo
Logo Bank Artha Graha Internasional menggambarkan karakter The logo of Bank Artha Graha Internasional depicts the
bisnis perusahaan yang menggambarkan semangat dan character of the company’s business which illustrates the spirit
optimisme Bank yang selalu dinamis. and optimism of the Bank which is always dynamic.
Huruf A, G, dan I berarti sebagai simbol kesatuan yang utuh dalam wujud yang dinamis, melambangkan
gerak laju usaha menuju perubahan yang dilandasi: komitmen teguh, bersatu hati dan bersama membangun,
serta meraih keberhasilan untuk semua, dengan didasarkan pada nilai-nilai profesionalisme, orientasi
kepada Nasabah dan hasil, loyalitas, integritas, tanggung jawab, inovasi, kerja sama - jiwa korsa dan
kepedulian.
The letters A, G, and I mean as a symbol of complete unity in a dynamic form, symbolizing the movement of
business towards change based on: firm commitment, united hearts and collective efforts, and achieving
success for all, based on the values of professionalism, orientation to Customers and results, loyalty, integrity,
responsibility, innovation, cooperation - corsa spirit and care.
Logo tersebut terdiri dua warna dan tiga jenis huruf yang menggambarkan huruf A, G, dan I
berwarna keemasan dengan teks BANK ARTHA GRAHA INTERNASIONAL berwarna hitam,
kedua hal tersebut merupakan satu kesatuan sehingga memudahkan masyarakat dalam
mengenali PT Bank Artha Graha Internasional Tbk.
The logo consists of two colors and three types of letters depicting the letters A, G, and I in
golden color with the text BANK ARTHA GRAHA INTERNASIONAL in black, both of which are
a unity that makes it easier for the public to recognize PT Bank Artha Graha Internasional Tbk.
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RIWAYAT SINGKAT PERUSAHAAN
Brief Company History
PT Bank Artha Graha Internasional Tbk., selanjutnya disebut PT Bank Artha Graha Internasional Tbk. hereinafter referred
“Bank Artha Graha Internasional” atau “Bank”, didirikan to as “Bank Artha Graha Internasional” or the “Bank”, was
berdasarkan Akta Pendirian No. 12 tanggal 7 September established pursuant to Deed of Establishment No. 12 dated
1973 dan Akta Perubahan No. 26 tanggal 13 Desember 1974, September 7, 1973 and Deed of Amendment No. 26 dated
keduanya dibuat di hadapan Bagijo, S.H., pengganti dari Eliza December 13, 1974, both made before Bagijo, S.H., successor
Pondaag, S.H. Pada awal pendiriannya, Bank bernama PT of Eliza Pondaag, S.H. At the beginning of its establishment, the
Inter-Pacific Financial Corporation dengan kegiatan usaha Bank was named PT Inter-Pacific Financial Corporation with
sebagai lembaga keuangan non-bank. business activities as a non-bank financial institution.
Pada tanggal 23 Agustus 1990, PT Inter-Pacific Financial On August 23, 1990, PT Inter-Pacific Financial Corporation
Corporation melakukan penawaran umum saham perdana di made an initial public offering of shares on the Indonesia
Bursa Efek Indonesia (d/h Bursa Efek Jakarta dan Surabaya). Stock Exchange (formerly the Jakarta and Surabaya Stock
Selanjutnya, berdasarkan Akta No. 67 tanggal 19 Mei 1992 PT Exchanges). Furthermore, based on Deed No. 67 dated May 19,
Inter-Pacific Financial Corporation mengubah namanya menjadi 1992 PT Inter-Pacific Financial Corporation changed its name
PT Inter-Pacific Bank Tbk yang sekaligus mengawali langkah to PT Inter-Pacific Bank Tbk which also initiated the Bank’s
Bank untuk memasuki industri perbankan setelah mendapat steps to enter the banking industry after obtaining a business
izin usaha melalui Surat Keputusan Menteri Keuangan Republik license through the Decree of the Minister of Finance of the
Indonesia No. 176/KMK.017/1993 pada tanggal 24 Februari Republic of Indonesia No. 176/KMK.017/1993 on February 24,
1993. Pada tahun 1997, Bank mengubah namanya menjadi 1993. In 1997, the Bank changed its name to PT Bank Inter-
PT Bank Inter-Pacific Tbk, berdasarkan Akta No. 44 tanggal Pacific Tbk, based on Deed No. 44 dated June 13, 1997.
13 Juni 1997.
Pada tanggal 11 Juli 2005, PT Bank Inter-Pacific melakukan On July 11, 2005, PT Bank Inter-Pacific merged with PT Bank
penggabungan (merger) dengan PT Bank Artha Graha, dimana Artha Graha, whereby PT Bank Artha Graha was merged into
PT Bank Artha Graha menggabungkan diri ke dalam PT Bank PT Bank Inter-Pacific Tbk. Thereafter, on August 16, 2005 PT
Inter-Pacific Tbk. Setelah itu, tanggal 16 Agustus 2005 PT Bank Inter-Pacific Tbk changed its name to PT Bank Artha
Bank Inter-Pacific Tbk berganti nama menjadi PT Bank Artha Graha Internasional Tbk.
Graha Internasional Tbk.
Bank Artha Graha Internasional menyediakan beragam produk Bank Artha Graha Internasional offers a wide range of products
dan layanan sesuai dengan kebutuhan nasabah, baik itu untuk and services tailored to customer needs, including both lending
produk penyaluran maupun produk pendanaan. Produk and funding products. Lending products include productive
penyaluran dana meliputi kredit produktif dengan produk loans such as Fixed Loan, Revolving Loan, PRK (Current
fasilitas Fixed Loan, Revolving Loan, PRK (Pinjaman Rekening Account Loan), and supply chain financing. In addition, the
Koran), supply chain financing. Disamping itu terdapat produk Bank also offers consumer loans, including Mortgage Loans
pinjaman konsumtif, antara lain produk KPR (Kredit Pemilikan (KPR) and Unsecured Personal Loans (KTA). On the funding
Rumah), KTA (Kredit Tanpa Anggunan). Produk pendanaan side, the Bank provides various savings products such as
juga terdapat berbagai macam produk antara lain tabungan regular savings accounts (Icon Savings, Artha Savings, Wira
reguler (Tabungan Icon, Tabungan Artha, Tabungan Wira, Savings, Artha Merchant Savings), term savings (Pintar Savings,
Tabungan Artha Merchant), tabungan berjangka (Tabungan Hold Dana Savings), and children’s savings accounts (Simpel
Pintar, Tabungan Hold Dana), Tabungan anak (Tabungan Savings, Prega Savings).
Simpel, Tabungan Prega).
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Performance Highlights Management Report Company Profile Management Discussion & Analysis
Inovasi produk tidak hanya dilakukan dalam produk penyaluran Product innovation is not only carried out in lending and funding
serta pendanaan, namun juga dilakukan melalui pengembangan products but also through the development of Bank Artha
layanan digital milik Bank Artha Graha Internasional. Berbagai Graha Internasional’s digital services. A variety of digital service
macam produk layanan digital telah dapat dinikmati oleh products are now available to Customers, including the AGI
Nasabah, meliputi digital apps agi, Internet banking Bisnis digital app, Internet Banking for both Business and Retail, QRIS,
& Retail, QRIS, ATM Grahacash 3 in 1, Virtual Account, API Grahacash 3-in-1 ATMs, Virtual Accounts, API (Application
(Application Programming Interface) serta layanan Laku Pandai. Programming Interface), and the Laku Pandai service.
Setelah Launching di Juni 2022, agi sebagai layanan digital Since its launch in June 2022, agi-the bank’s digital service
apps terus melakukan penambahan fitur baru guna mendorong app-has continuously introduced new features to enhance user
perluasan akseptansi user dan transaksi. Berbagai macam fitur acceptance and transaction volume. A wide range of features is
telah ada pada layanan digital apps agi, mulai dari fitur Pay Now now available on the agi digital app, including Pay Now (QRIS
(Pembayaran QRIS tanpa Login), Cardless Withdrawal, push payment without login), cardless withdrawals, transaction push
notifikasi transaksi, pembayaran tagihan biller (pulsa paket data, notifications, bill payments (such as mobile data, electricity,
listrik, PDAM, PBB, Top up e-Wallet), fitur Life (e-Commerce water, land and building tax, and eWallet top-ups), as well as the
Electronic City, Pembelian Tiket KAI, Donasi), serta pembukaan Life feature (covering e-commerce at Electronic City, KAI train
rekening online. Selain itu, penambahan fitur loyalti point dan ticket purchases, and donations). Additionally, online account
program cashback QRIS diharapkan dapat menjadi tools untuk opening is supported within the app. The inclusion of loyalty
meningkatkan active user di aplikasi agi ini. points and QRIS cashback programs is also expected to serve
as effective tools to increase the number of active users on the
agi platform.
Disamping itu, Bank juga telah melakukan penyempurnaan In addition, the Bank has enhanced its business internet
pada layanan internet banking bisnis untuk mengakomodir banking services to accommodate the needs of corporate
kebutuhan Nasabah perusahaan yang menginginkan layanan Clients seeking comprehensive and secure financial solutions.
keuangan yang lengkap dan aman dengan dukungan fitur hard The platform is equipped with both hard and soft token features
dan soft token yang memberikan kenyamanan serta keamanan to ensure a secure and convenient banking experience for
bagi Nasabah. Pada fitur layanan internet banking bisnis ini users. The business internet banking service includes a wide
telah didukung berbagai macam fitur antara lain fleksibilitas range of features such as flexible user management, fund
management user, layanan transfer dana (overbooking, SKN, transfer services (overbooking, SKN, RTGS, online transfer, BI-
RTGS, online transfer, BIFAST, serta Bulk Transfer), Biller FAST, and bulk transfer), bill payments (telephone, electricity,
(Telepon, listrik, PBB, PDAM, MPN), serta layanan payroll dan land and building tax, water utility, and state revenue via MPN),
virtual account. Disamping itu terdapat fitur layanan untuk as well as payroll and virtual account services. Moreover, the
management user dengan berbagai macam fleksibilitas yang user management feature offers various flexible configurations
dapat disesuaikan dengan kebutuhan Nasabah. that can be tailored to meet the specific requirements of each
Client.
Bank juga memiliki ekosistem QRIS yang terus berkembang The Bank has also developed a growing QRIS ecosystem,
setiap tahunnya, dengan perluasan jaringan retail merchant which continues to expand each year. Through the expansion
dan penambahan segmentasi untuk usaha besar (UBE) melalui of its retail merchant network and the addition of large business
kolaborasi dengan mitra strategis menjadikan QRIS sebagai enterprise (UBE) segments via collaboration with strategic
salah satu channel milik Bank yang mengalami peningkatkan partners, QRIS has become one of the Bank’s channels that
cukup signifikan di tahun 2024. experienced significant growth in 2024.
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Selama tahun 2024 ini, transaksi QRIS meningkat cukup pesat Throughout 2024, QRIS transactions saw a substantial increase
bila dibandingkan dengan 2023, dengan kontribusi total compared to 2023, with total transactions reaching 81 million
transaksi mencapai 81 juta dengan volume Rp13 Trilliun. Khusus and a transaction volume of IDR13 trillion. Specifically for the
untuk segmentasi retail merchant, Bank juga memiliki program retail merchant segment, the Bank has implemented various
aktivasi antara lain dengan dukungan Program Merchant Juara activation programs, including the Merchant Juara program
serta program cashback QRIS untuk mendorong peningkatan and QRIS cashback initiatives, aimed at boosting transaction
transaksi dan aktif merchant. volume and merchant activity.
Selain itu, Bank juga membuka peluang bisnis baru melalui kerja In addition, the Bank is expanding new business opportunities
sama dengan mitra bisnis berbasis digital melalui implementasi through collaborations with digital-based business partners
layanan API (Application Programming Interface) yang terus by implementing an Application Programming Interface (API)
dikembangkan untuk memenuhi kebutuhan kerja sama B2B service, which is continuously being developed to support
(Business to Business) dalam rangka membentuk ekosistem B2B (Business-to-Business) partnerships. This initiative aims
digital, melalui kerjasama dengan mitra bisnis strategic yang to establish a robust digital ecosystem through strategic
fokus pada layanan sistem pembayaran serta ekosistem partnerships with businesses that focus on payment systems
komoditas, baik itu ekosistem QRIS, komoditas emas, layanan and commodity ecosystems, including the QRIS ecosystem,
transaksi Pialang Pemegang Amanat Luar Negeri (PALN) yang gold commodity trading, and transaction services for Foreign
termasuk layanan kepada pialang pada Bank Penyimpan Dana Custodian Brokers (PALN), which also encompasses services to
Margin. brokers at Margin Fund Custodian Banks.
Inovasi layanan digital yang dilakukan Bank tidak hanya berfokus The Bank’s digital service innovations are not only focused
pada peningkatan pelayanan, namun juga memperhatikan on enhancing service quality, but also on promoting financial
aspek inklusi keuangan. Layanan digital yang ditawarkan Bank inclusion. The digital services offered by the Bank are accessible
dapat diakses oleh seluruh lapisan masyarakat, baik oleh mereka to all segments of society, including individuals in both urban
yang berada di kota maupun di desa. Ini membantu Bank dalam and rural areas. This supports the Bank in realizing its vision of
mewujudkan visinya untuk menjangkau seluruh masyarakat dan reaching all members of the community and providing financial
memberikan solusi keuangan yang sesuai dengan kebutuhan solutions tailored to the needs of each Customer.
setiap Nasabah.
Pada akhir tahun 2021, Bank juga telah memenuhi ketentuan At the end of 2021, the Bank also complied with the provisions
Peraturan OJK No. 12/POJK.03/2020 tentang Konsolidasi of OJK Regulation No. 12/POJK.03/2020 concerning the
Bank Umum yang mensyaratkan Modal Inti Minimum sebesar Consolidation of Commercial Banks, which requires a minimum
Rp3 triliun paling lambat pada 31 Desember 2022. core capital of IDR3 trillion by no later than December 31, 2022.
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JEJAK LANGKAH
Milestones
1973 2005
7 September Mendirikan dan mengawali kiprah dalam industri 16 Agustus Melakukan perubahan nama menjadi PT Bank
keuangan sebagai lembaga keuangan bukan bank Artha Graha Internasional Tbk setelah merger
September 7 August 16
dengan nama PT Inter-Pacific Financial Corporation. dengan PT Bank Artha Graha berdasarkan izin dari
Bank Indonesia dengan Keputusan Gubernur Bank
Established and initiated its involvement in the financial
Indonesia No. 7/49/KEP.GBI/2005.
industry as a non-bank financial institution under the
name of PT Inter-Pacific Financial Corporation. The Bank changed its name to PT Bank Artha Graha
Internasional Tbk after the merger with PT Bank Artha
1990 Graha based on a license from Bank Indonesia with
the Decree of the Governor of Bank Indonesia No.
23 Agustus Mencatatkan Saham pada Bursa Efek Jakarta dan 7/49/KEP.GBI/2005. PUT V.
Surabaya.
August 23 2007
Listed its Shares on the Jakarta and Surabaya Stock
Exchanges.
17 April Memperoleh pernyataan efektif dari Ketua Badan
Pengawas Pasar Modal dan Lembaga Keuangan
1992 April 17
(Bapepam dan LK) berdasarkan Surat No. S-1746/
BL/2007 untuk melakukan Penawaran Umum
19 Mei Mengubah nama dari PT Inter-Pacific Financial Terbatas (PUT) II.
Corporation menjadi PT Inter-Pacific Bank Tbk.
May 19 Obtained an effective statement from the Chairman
Changed its name from PT Inter-Pacific Financial of the Badan Pengawas Pasar Modal and Lembaga
Corporation to PT Inter-Pacific Bank Tbk. Keuangan (Bapepam and LK) based on Letter No.
S-1746/BL/2007 to conduct a Limited Public Offering
1993 (PUT) II.
24 Februari Mendapatkan izin usaha sebagai bank umum 2008
dengan Surat Keputusan Menteri Keuangan Republik
February 24
Indonesia No. 176/KMK.017/1993. 1 Desember Memperoleh pernyataan efektif dari Ketua Bapepam
Obtained a business license as a commercial bank dan LK berdasarkan Surat No. S-8684/BL/2008
December 1
with the Decree of the Minister of Finance of the untuk melakukan PUT III.
Republic of Indonesia No. 176/KMK.017/1993. Obtained an effective statement from the Chairman
of Bapepam and LK based on Letter No. S-8684/
1997 BL/2008 to conduct LPO III.
13 Juni Mengubah nama menjadi PT Bank Inter-Pacific Tbk. 2012
Changed its name to PT Bank Inter-Pacific Tbk.
June 13
5 Desember Memperoleh pernyataan efektif dari Ketua Bapepam
dan LK berdasarkan Surat No. S-13878/BL/2012
1999 December 5
untuk melakukan PUT IV.
9 April Mengajukan permohonan pembatalan pencatatan Obtained an effective statement from the Chairman
(delisting) saham di Bursa Efek Surabaya yang of Bapepam and LK based on Letter No. S-13878/
April 9 BL/2012 to conduct PUT IV.
direalisasikan 10 hari kemudian melalui pemberian
persetujuan atas permohonan tersebut.
2016
Applied for the cancellation of shares delisting on the
Surabaya Stock Exchange, which was realized 10 days
later by approving the said application. 23 November Memperoleh pernyataan efektif dari Kepala Eksekutif
Pengawas Pasar Modal Otoritas Jasa Keuangan
November 23
berdasarkan Surat No. S-682/D.04/2016 untuk
27 September Memperoleh pernyataan efektif dari Ketua Bapepam
melakukan PUT V.
berdasarkan Surat No. S-1761/PM/1999 untuk
September 27
melakukan Penawaran Umum Terbatas (PUT) I. Obtained an effective statement from the Chief
Executive of the Capital Market Supervision of the
Obtained an effective statement from the Chairman
Financial Services Authority based on Letter No.
of Bapepam basedon Letter No. S-1761/PM/1999 to
S-682/D.04/2016 to conduct PUT V.
conduct a Limited Public Offering (PUT) I.
2017
26 Oktober Melakukan perubahan logo sebagai wujud
perubahan Bank yang dinamis dengan dilandasi
October 26
filosofi dan semangat baru.
Made a logo change as a form of dynamic Bank
changes based on a new philosophy and spirit.
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2018 12 Desember Bank Artha Graha Internasional telah
mengimplementasikan layanan uang elektronik
December 12
3 Mei Meluncurkan kartu berlogo Gerbang Pembayaran berbasis server, yaitu BAGI Money dimana menjadi
Nasional (GPN) sebagai salah satu wujud satu kesatuan sebagai source of funds transaksi
May 3 di layanan agi digital apps. Dengan adanya BAGI
interoperabilitas dalam mendukung kemudahan
bertransaksi oleh Bank Artha Graha Internasional dan Money dapat mempermudah akuisisi User agi digital
Perbankan Indonesia. Bank Artha Graha Internasional apps untuk bertransaksi dengan cara registrasi yang
merupakan salah satu dari bank peserta pilot project jauh lebih mudah dan cepat.
GPN bersama Bank Mandiri, BNI, BRI, BCA, CIMB Bank Artha Graha Internasional has implemented a
Niaga dan Bank Permata. server-based electronic money service, BAGI Money,
Launched a card with the National Payment Gateway which becomes a single unit as a source of funds for
(GPN) logo as a form of interoperability in supporting transactions in agi digital apps services. With BAGI
transactions by Bank Artha Graha Internasional and Money, the acquisition of agi digital apps users to do
Indonesian Banking. Bank Artha Graha Internasional is transactions by registration is easier and faster.
one of the participating banks in the GPN pilot project
with Bank Mandiri, BNI, BRI, BCA, CIMB Niaga, and 2021
Bank Permata.
31 Maret Bank Artha Graha telah mengimplementasikan
28 Mei Mobile Banking Bank Artha Graha Internasional layanan QRIS (Quick Response Indonesia Standard)
March 31
resmi diluncurkan ada tanggal 28 Mei 2018 guna untuk melayani pembayaran berbasis QR Code
May 28
memberikan layanan terbaik dan kemudahan di merchant kerja sama Bank Artha Graha melalui
transaksi kepada Nasabah. agi digital apps, aplikasi merchant AGI Pay. Di samping itu,
dilengkapi dengan berbagai fitur transaksi transfer, pembayaran QR Code juga dapat dilakukan untuk
pembelian dan pembayaran sebagai fitur utamanya. Nasabah Bank Artha Graha melalui aplikasi agi digital
apps di seluruh merchant yang tergabung di jaringan
Bank Artha Graha Internasional Mobile Banking
QRIS.
was officially launched on May 28, 2018, to provide
Customers with the best services and ease of Bank Artha Graha has implemented QRIS (Quick
transactions. agi digital apps has many features such Response Indonesia Standard) service to serve QR
as funds transfer, bill purchase, and bill payment Code-based payments at Bank Artha Graha partnered
transactions as a main feature. merchants through its AGI Pay merchant application.
In addition, QR Code payments can also be made for
2019 Bank Artha Graha Customers through the agi digital
apps application at all merchants who were members
10 Oktober Pada Tahun 2019, Bank Artha Graha Internasional of the QRIS network.
memiliki visi untuk meningkatkan pelayanan dan
October 10 9 September Bank Artha Graha Internasional mendapatkan
kenyamanan kepada Nasabah. Untuk itu, Bank
meluncurkan pembukaan rekening online di mana persetujuan dari Badan Pengawas Perdagangan
September 9
Nasabah dapat melakukan pembukaan rekening Berjangka Komoditi sebagai Bank Penyimpan Dana
tanpa harus datang ke cabang. Margin, Dana Kompensasi dan Dana Jaminan untuk
Perdagangan Berjangka Komoditi.
In 2019, Bank Artha Graha Internasional had the
vision to improve services and extend the Customers’ Bank Artha Graha Internasional received approval from
convenience. For this reason, the Bank launched a the Commodity Futures Trading Regulatory Agency
new online opening feature to allow Customers to as a Margin Fund Depositing Bank, Compensation
open a bank account through its mobile application Funds, and Guarantee Funds for Commodity Futures
without having to come to a branch physically. Trading.
2020 31 Desember Bursa Berjangka Jakarta (BBJ) dan Kliring Berjangka
Indonesia (KBI) bekerja sama dengan Bank Artha
December 31
19 Mei Bank Artha Graha Internasional telah mendapat Graha Internasional sebagai Official Bank Partner
izin Otoritas Jasa Keuangan atas layanan API yang menyediakan layanan teknologi keuangan dan
May 19 sistem pembayaran dalam transaksi Perdagangan
Management. Melalui API, bank menyediakan sistem
integrasi yang dapat diakses oleh mitra secara real- Pasar Fisik Emas Digital. BBJ, KBI dan BAGI sepakat
time sesuai dengan layanan yang dikerjasamakan. melakukan kerjasama penyediaan fasilitas dan
API yang dimilik BAGI sampai saat ini adalah API Cek akses bagi Peserta Pasar Fisik Emas Digital berupa
Saldo, API Cek Mutasi, API Info Kurs, API Pemindah pembukaan Rekening Dana Komoditi (RDK) oleh Bank
bukuan, API Transfer Dana dan API SKN. Artha Graha Internasional yang di administrasikan
oleh BBJ dan KBI melalui Platform JFXGold.
Bank Artha Graha Internasional has received
permission from the Financial Services Authority for Bursa Berjangka Jakarta (BBJ) and Kliring Berjangka
API Management services. Through API, the bank Indonesia (KBI) collaborated with Bank Artha Graha
provides an integrated system that its partners can Internasional as an Official Bank Partner providing
access in real-time in accordance with the cooperated financial technology services and payment systems
services. The APIs owned by BAGI are Balance Check in Digital Gold Physical Market Trading transactions
API, Mutation Check API, Currency Info API, Transfer BBJ, KBI, and BAGI agreed to cooperate in providing
API, Fund Transfer API, and SKN API. facilities and access for Digital Gold Physical Market
Participants by opening a Commodity Fund Account
(RDK) by Bank Artha Graha Internasional, which BBJ
and KBI administer through the JFX Gold Platform.
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2022 29 Mei Bank Artha Graha Internasional (BAGI) telah
berhasil mendapatkan sertifikasi ISO 27001, di
May 29
18 Mei Bank Artha Graha Internasional (BAGI) menjalin mana ISO 27001 adalah standar internasional yang
kerja sama Customer Due Diligence (CDD) dengan mengatur Sistem Manajemen Keamanan Informasi
May 18 (Information Security Management System/ISMS).
Perantara Perdagangan Pasar Fisik Emas Digital, PT
ABI Komoditi Berjangka (ABI KB). Dalam kerja sama Salah satu manfaat dari penerapan ISO 27001 adalah
ini, BAGI menggunakan hasil CDD yang dilakukan perlindungan data dan informasi sensitif.
ABI KB untuk pembukaan Rekening Dana Komoditi Standar ini membantu perusahaan mengidentifikasi
(RDK) dari peserta perdagangan. aset informasi yang penting dan mengimplementasikan
Bank Artha Graha Internasional (BAGI) established kontrol yang sesuai untuk melindungi kerahasiaan,
Customer Due Diligence (CDD) cooperation with integritas, dan ketersediaan informasi tersebut. Sehingga
Digital Gold Physical Market Trading Intermediary, PT tidak hanya tentang melindungi data perusahaan,
ABI Komoditi Berjangka (ABI KB). In this cooperation, namun juga tentang bagaimana menciptakan kerangka
BAGI used the results of CDD by ABI KB to open kerja yang kokoh untuk manajemen keamanan
Commodity Fund Accounts (RDK) from trading informasi yang dapat mendukung pertumbuhan bisnis
participants. dan meminimalkan risiko.
Bank Artha Graha Internasional (BAGI), has
23 Mei Implementasi BI Fast pada channel teller, memberikan successfully obtained ISO 27001 certification, where
akses kepada Nasabah atas layanan transfer antar ISO 27001 is an international standard that regulates
May 23
bank secara real-time dan harga layanan yang the Information Security Management System (ISMS).
terjangkau menggunakan sistem yang terintegrasi One of the benefits of implementing ISO 27001 is the
dengan Bank Indonesia. protection of sensitive data and information.
The implementation of BI Fast in the teller channel. This standard helps companies identify critical
It provides Customers access to real-time interbank information assets and implement appropriate controls to
transfer services and affordable service prices using a protect the confidentiality, integrity and availability of that
system integrated with Bank Indonesia. information. Therefore, it is not only about protecting
company data, but also creating a solid framework for
4 Juni Launching Digital Aplikasi “agi” by Bank Artha information security management that can support
Graha Internasional, merupakan aplikasi yang telah business growth and minimize risks.
June 4
diperbaharui dari layanan Mobile Banking “agi
digital apps”. Perubahan atas brand identity, UI/ 2024
UX, customer journey serta berbagai fitur baru yang
digarap pada aplikasi ini. 21 September Command Center atau pusat kendali Bank Artha
Launching the Digital Application “agi” by Bank Graha Internasional, di mana ruangan atau sistem
September 21
Artha Graha Internasional, an updated application of yang digunakan untuk memantau, menganalisis
the Mobile Banking service “agi digital apps”. There mengelola, dan merespon data dan informasi.
were changes to the brand identity, UI/UX, customer Terdapat 4 (empat) dashboard grafana yang
journey, and various new features, both financial and dimonitor di command center diantaranya:
non-financial, in this application. 1. Inquiry saving T24
2. Transaksi BI Fast
30 Desember Bank Artha Graha telah mendapatkan surat 3. Top-up DANA/Go-Pay/OVO
rekomendasi untuk implementasi BI SNAP (Standar 4. SMS Promedia
December 30
Nasional Open API Pembayaran) dalam mendukung
terciptanya sinergi sistem pembayaran melalui kerja The Command Center of Bank Artha Graha
sama B2B (Business to Business). Implementasi Internasional serves as the central control hub, where
bertahap dilakukan untuk menyelaraskan spesifikasi rooms or systems are utilized to monitor, analyze,
teknis sesuai SNAP untuk seluruh merchant. manage, and respond to data and information. There
are 4 (four) Grafana dashboards monitored at the
Bank Artha Graha has received a recommendation Command Center, which include:
letter for the implementation of BI SNAP (National
Standard for Open API Payment) to support the 1. T24 Savings Inquiry
realization of payment system synergy through 2. BI FAST Transactions
B2B (Business to Business) cooperation. Gradual 3. Top-ups for DANA/GoPay/OVO
implementation is carried out to synchronize technical 4. Promedia SMS
specifications according to SNAP for all merchants.
30 September Kerjasama Pengelolaan Dana atas Sistem
2023 Pembayaran Tagihan Listrik dan Non-Tagihan
September 30
Listrik secara Terpusat dan Kerjasama tentang
8 Mei Implementasi layanan BI FAST pada channel digital Perlindungan, Pemrosesan, dan Penyediaan Akses
aplikasi “agi” dan internet banking bisnis guna Data atas Sistem Pembayaran Tagihan Listrik dan
May 8 Non-Tagihan Listrik secara Terpusat dengan PLN dan
menunjang layanan transfer antar bank secara
real-time dengan biaya yang lebih terjangkau. PT Indonesia Comnets Plus (ICON+).
Implementation of BI FAST services on digital Cooperation Agreement on Fund Management for
channels “agi” application and business internet the Centralized Electricity and Non-Electricity Bill
banking to support real-time interbank transfer Payment System, as well as an Agreement on the
services at a more affordable cost. Protection, Processing, and Provision of Data Access
for the Centralized Electricity and Non-Electricity Bill
Payment System with PLN and PT Indonesia Comnets
Plus (ICON+).
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KEGIATAN USAHA
Business Activities
KEGIATAN USAHA MENURUT ANGGARAN BUSINESS ACTIVITIES ACCORDING TO THE
DASAR ARTICLES OF ASSOCIATION
Berdasarkan Pasal 3 Anggaran Dasar Perusahaan yang Based on Article 3 of the Company’s Articles of Association as
tertuang dalam Akta No. 06 tanggal 17 Juli 2024, ruang lingkup stipulated in Deed No. 06 dated July 17, 2024, the scope of
kegiatan Bank adalah menjalankan usaha sebagai bank umum the Bank’s activities is to operate as a conventional commercial
konvensional (64121) dan unit usaha syariah bank umum (64123). bank (64121) and sharia business unit of a commercial bank
Dengan demikian, Bank dapat melaksanakan kegiatan usaha (64123). Thus, the Bank can carry out the following business
sebagai berikut: activities:
Kegiatan Usaha Utama Main Business Activities
1. Menghimpun dana dari masyarakat dalam bentuk 1. Collecting funds from the public in the form of current
simpanan giro, deposito berjangka, sertifikat deposito, account deposits, time deposits, certificates of deposit,
tabungan dan/atau bentuk lainnya yang dipersamakan savings and/or other similar forms;
dengan itu;
2. Memberikan kredit baik kredit jangka menengah, panjang 2. Providing loans, either medium-, long- or short-term loans
atau pendek maupun jenis lainnya yang lazim dalam dunia or other types that are common in the banking industry;
perbankan;
3. Menerbitkan surat pengakuan utang; 3. Issuing debt certificates;
4. Membeli, menjual, atau menjaminkan atas risiko sendiri 4. Buying, selling, or guaranteeing own its own risk or for the
maupun untuk kepentingan dan atas perintah Nasabahnya: benefit of and at the behest of its Customers:
a. Surat-surat wesel, termasuk wesel yang diakseptasi a. Money orders, including accredited money orders by
oleh bank yang masa berlakunya tidak lebih lama dari banks whose validity period does not exceed the period
kebiasaan dalam perdagangan surat-surat tersebut; customary for the trading of such instruments;
b. Surat pengakuan utang dan kertas dagang lainnya b. Debt certificates and other commercial papers with a
yang masa berlakunya tidak lebih lama dari kebiasaan validity period not exceeding the period customary in
dalam perdagangan surat-surat tersebut; the trading of such papers;
c. Kertas Perbendaharaan Negara dan Surat Jaminan c. State Treasury Notes and Government Guarantee Notes;
Pemerintah;
d. Sertifikat Bank Indonesia (SBI); d. Bank Indonesia Certificate (SBI);
e. Obligasi; e. Bonds;
f. Surat promes yang dapat diperdagangkan dengan f. Tradeable promissory notes with a maturity of up to 1
berjangka waktu sampai dengan 1 (satu) tahun; dan (one) year; and
g. Surat berharga lain yang berjangka waktu sampai g. Other securities with a maturity of up to 1 (one) year.
dengan 1 (satu) tahun.
5. Memindahkan uang, baik untuk kepentingan sendiri 5. Transferring money, either for own benefit or for the benefit
maupun untuk kepentingan Nasabah; of the Customer;
6. Menempatkan dana pada, meminjam dana dari 6. Placing funds with, borrowing funds from or lending funds
atau meminjamkan dana kepada bank lain, dengan to other banks, either by using letters, telecommunications
menggunakan surat, sarana telekomunikasi maupun facilities or by bills of exchange, checks or other means;
dengan wesel unjuk, cek atau sarana lainnya;
7. Menerima pembayaran dari tagihan atas surat berharga 7. Receiving payments from claims on securities and
dan melakukan perhitungan dengan atau antara pihak performing calculations with or between third parties;
ketiga;
8. Melakukan penempatan dana dari Nasabah kepada 8. Placing funds from Customers to other Customers in the
Nasabah lainnya dalam bentuk surat berharga yang form of securities listed on the stock exchange;
tercatat di bursa efek;
9. Melakukan kegiatan dalam valuta asing dengan memenuhi 9. Conducting activities in foreign exchange by complying
ketentuan yang ditetapkan oleh Bank Indonesia; with the provisions stipulated by Bank Indonesia;
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Performance Highlights Management Report Company Profile Management Discussion & Analysis
10. Menyediakan pembiayaan dan/atau melakukan kegiatan 10. Providing financing and/or conducting other activities
lain sesuai dengan ketentuan yang ditetapkan Bank in accordance with the provisions stipulated by Bank
Indonesia; Indonesia;
11. Menyediakan pembiayaan dan/atau melakukan kegiatan 11. Providing financing and/or conducting business activities
usaha berdasarkan prinsip syariah, baik melalui pendirian based on sharia principles, either through the establishment
anak perusahaan maupun melalui pembentukan Unit of a subsidiary or through the establishment of a Sharia
Usaha Syariah sesuai ketentuan yang ditetapkan oleh Business Unit in accordance with the provisions stipulated
Bank Indonesia atau Otoritas Jasa Keuangan atau instansi by Bank Indonesia or the Financial Services Authority or
pemerintah lainnya; dan other government agencies; and
12. Berperan serta sebagai pendukung perusahaan atau 12. Supporting companies or providers of Financial Technology
penyelenggara Finansial Teknologi dalam hal pembayaran, in terms of payment, settlement, and collaborate with
penyelesaian (settlement), dan berkolaborasi dengan companies or providers of Financial Technology in
perusahaan atau penyelenggara Finansial Teknologi developing digital finance services ecosystems including
dalam mengembangan ekosistem digital finance services Bancaassurance, Insurtech, Quick Response Code
antara lain Bancaassurance, Insurtech, Quick Response Indonesian Standard (QRIS), Electronic Wallet, Electronic
Code Indonesian Standard (QRIS), Dompet Elektronik, Money, Payment Gateway, Information Technology Based
Uang Elektronik, Payment Gateway, Layanan Pendanaan Joint Funding Services.
Bersama Berbasis Teknologi Informasi.
Kegiatan Usaha Penunjang Supporting Business Activities
1. Menyediakan tempat untuk menyimpan barang dan surat 1. Providing a place to store valuables and securities;
berharga;
2. Melakukan kegiatan penitipan untuk kepentingan pihak 2. Performing custodial activities for the benefit of other parties
lain berdasarkan suatu kontrak; based on a contract;
3. Membeli agunan baik semua maupun sebagian 3. Purchasing collateral either all or partially through auction
melalui pelelangan dalam hal debitur tidak memenuhi in the event that a debtor does not fulfill its obligations to
kewajibannya kepada Perseroan dengan ketentuan the Company provided that the purchased collateral must
agunan yang dibeli tersebut wajib dicairkan secepatnya; be disbursed immediately;
4. Melakukan kegiatan anjak piutang, usaha kredit dan 4. Conducting factoring activities, credit business and trustee
kegiatan wali amanat; activities;
5. Melakukan kegiatan sebagai penyelenggara dana pensiun 5. Conducting activities as a pension fund organizer in
sesuai dengan peraturan perundang-undangan yang accordance with the applicable laws and regulations,
berlaku, baik selaku pendiri dana pensiun pemberi kerja both as the founder of the employer pension fund and as
maupun selaku pendiri dan/atau peserta dana pensiun the founder and/or participant of the financial institution
lembaga keuangan; pension fund;
6. Melakukan kegiatan penyertaan pada bank atau 6. Conducting participation activities in banks or other
perusahaan lain di bidang keuangan sewa guna usaha, companies in the field of leasing finance, venture capital
perusahaan modal ventura, perusahaan efek, perusahaan companies, securities companies, insurance companies,
asuransi, lembaga kliring dan penjamin serta lembaga clearing and guarantee institutions and depository and
penyimpan dan penyelesaian, dengan memenuhi settlement institutions, by fulfilling the provisions stipulated
ketentuan yang ditetapkan oleh instansi yang berwenang; by the authorized agency;
7. Melakukan kegiatan penyertaan modal sementara untuk 7. Conducting temporary capital participation activities to
mengatasi kredit macet, dengan syarat harus menarik overcome loan defaults, provided that the participation must
kembali penyertaannya sesuai dengan ketentuan yang be withdrawn in accordance with the provisions stipulated
ditetapkan Bank Indonesia; dan by Bank Indonesia; and
8. Mengusahakan usaha-usaha lain yang berhubungan 8. Undertaking other businesses directly or indirectly related
langsung atau tidak langsung dengan maksud di atas to the above purposes, the implementation of which is not
yang pelaksanaannya tidak bertentangan dengan Undang- contrary to the prevailing laws in Indonesia.
Undang yang berlaku di Indonesia.
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Corporate Social Safety Responsibility
PRODUK DAN JASA
Product and Services
Per 31 Desember 2024, Bank memiliki produk dan jasa sebagai As of December 31, 2024, the Bank offers the following
berikut: products and services:
Produk Pendanaan
Funding Products
• Tabungan Icon • Icon Savings
Buka rekening online dari genggaman kapan saja di mana saja. Open an online account from the palm of your hand anytime,
Nikmati berbagai kemudahan transaksi dengan Tabungan Icon. anywhere. Enjoy a variety of easy transactions with Icon Savings.
• Tabungan Artha • Artha Savings
Kelola dana untuk transaksi sehari-hari dengan Tabungan Artha dan Manage your funds for daily transactions with Artha Savings and enjoy
nikmati berbagai fasilitas perbankan yang Anda butuhkan. Tabungan various banking facilities that you need. Artha Savings also comes with
Artha juga dilengkapi dengan kartu ATM untuk menambah pilihan an ATM card to offer more choices of transaction methods.
metode transaksi.
• Tabungan Artha Payroll • Artha Payroll Savings
Merupakan tabungan khusus untuk penempatan gaji dengan biaya A special savings account for salary placement with low cost and easy
ringan dan mudah, dengan kemudahan akses dan fasilitas. access and facilities.
• Tabungan Artha KUR (AKUR) • Artha KUR Savings (AKUR)
Merupakan tabungan perorangan dalam mata uang Rupiah dengan An individual savings account in Rupiah currency with affordable
setoran terjangkau sesuai kebutuhan. deposit as needed.
• Tabungan Artha Merchant Artha Merchant Savings
Mendukung para pelaku usaha untuk mengelola transaksi menjadi Supporting businesses to manage transactions more easily. Artha
lebih mudah. Tabungan Artha Merchant yang dilengkapi dengan Merchant Savings with QRIS is the right choice.
QRIS menjadi pilihan yang tepat.
• Tabungan Wira • Wira Savings
Memberikan lebih dari fleksibilitas bertransaksi, Tabungan Wira juga Providing more than transaction flexibility, Wira Savings also offers
memberikan suku bunga setara deposito agar dana Anda dapat deposit-like interest rates to optimize the growth of your funds.
bertumbuh optimal.
• Tabungan Pintar • Pintar Savings
Kelola uang dengan pintar untuk wujudkan rencana mendatang. Manage your money smartly to realize your future plans. Start saving
Mulai menabung rutin setiap bulan dari sekarang, Tabungan pintar regularly every month from now on, Pintar Savings is a smart solution
menjadi solusi pintar perencanaan masa depan Anda. for planning your future.
• Tabungan Prega • Prega Savings
Tanamkan kebiasaan menabung sejak usia dini untuk hidup yang lebih Instill the habit of saving from an early age for a better life. You can
baik. Anda dapat membentuk kebiasaan menabung bagi anak Anda shape your child’s saving habit with Prega Savings.
dengan Tabungan Prega.
• Tabungan Simpanan Pelajar (SimPel) • Simpanan Pelajar (SimPel) Savings
Generasi muda yang siap meraih cita-cita. Buka Tabungan SimPel The young generation who are ready to achieve their dreams. Open
untuk wujudkan yang kamu mau di masa depan. Simpanan Pelajar (SimPel) Savings to realize your future dreams.
• TabunganKu • TabunganKu
Menyimpan dana di Bank dapat dilakukan dengan persyaratan Saving funds at the Bank can be done with easy requirements and no
yang mudah dan bebas biaya administrasi. Anda dapat membuka administration fees. You can open TabunganKu to save your funds safely
TabunganKu untuk menyimpan dana dengan aman dan nyaman. and comfortably.
• Giro • Demand Deposit
Kemudahaan transaksi bisnis selain menggunakan cek/bilyet giro The convenience of business transactions in addition to using checks/
dan Internet Banking, juga dapat diintegrasikan dengan sistem bilyet demand deposit and Internet Banking, can also be integrated
pembayaran yang andal menggunakan virtual account dan berbagai with a reliable payment system using virtual accounts and various other
fasilitas lainnya. Giro menjadi solusi pengelolaan keuangan untuk facilities. Demand deposit is a financial management solution for your
bisnis Anda. business.
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Produk Pendanaan
Funding Products
• Rekening Terpisah • Segregated Account
Menampung dana Nasabah secara terpisah dalam kegiatan bursa Accommodating Customers’ funds separately in commodity futures
berjangka komoditi lengkap dengan fasilitas Internet Banking. exchange activities complete with Internet Banking facilities.
Rekening terpisah yang dapat digunakan oleh Pialang/Perantara Segregated accounts can be used by Brokers/Futures Intermediaries to
Berjangka untuk menjamin keamanan dana Nasabah. ensure the security of Customers’ funds.
• Deposito • Time Deposit
Investasi dana dengan jangka waktu tertentu dan suku bunga Investment of funds with a certain period of time and competitive
kompetitif serta pilihan mata uang rupiah dan valas. Deposito interest rates and a choice of rupiah and foreign currencies. Time
memberikan keuntungan optimal atas penempatan Nasabah deposits provide optimal returns on the placement of individual and
perorangan maupun perusahaan. corporate Customers.
Produk Pelepasan Dana
Fund Release Products
Kredit Produktif
Productive Loans
• Pinjaman Rekening Koran • Overdraft Loan
Fasilitas kredit di mana plafon kredit dicantumkan pada rekening A credit facility where the credit ceiling is listed on the debtor’s current
koran debitur sesuai dengan kesepakatan antara Bank dengan debitur account in accordance with the agreement between the Bank and the
berdasarkan Perjanjian Kredit/Pengakuan Utang. Jenis pinjaman ini debtor based on the Credit Agreement/Debt Acknowledgement. This
umumnya digunakan untuk membiayai modal kerja debitur sehari- type of loan is generally used to finance the debtor’s daily working
hari. capital.
• Revolving Loan • Revolving Loan
Fasilitas kredit untuk pembiayaan modal kerja yang bersifat permanen, Credit facility for permanent working capital financing, in which the
jumlahnya tercermin dalam cash flow perusahaan. Penarikan dana amount is reflected in the company’s cash flow. Withdrawal of funds
sesuai kebutuhan debitur, dengan menggunakan surat permohonan according to the needs of the debtor, using a disbursement request
pencairan (beserta dengan lampiran lainnya). Maksimum jangka letter (along with other attachments). Maximum loan period for 1 (one)
waktu pinjaman selama 1 (satu) tahun dan dapat diperpanjang. year and can be extended.
• Fixed Loan • Fixed Loan
Fasilitas kredit untuk membiayai investasi. Pembayaran pokok pinjaman Credit facility to finance investment. Payment of the loan principal
dilakukan secara berkala berdasarkan cash flow yang disepakati di is made periodically based on the cash flow agreed upon at the
awal dan dapat juga diberikan grace period terhadap pokok pinjaman. beginning and a grace period can also be given to the loan principal.
Penarikan dapat dilakukan sekaligus atau secara bertahap atau jadwal Withdrawals can be made all at once or in stages or payment
pembayaran atau per batch dengan jangka waktu pinjaman yang schedules or per batch with a relatively long loan period of a
relatif panjang maksimal 15 (lima belas) tahun. maximum of 15 (fifteen) years.
• Supply Chain Financing • Supply Chain Financing
Fasilitas kredit yang diberikan untuk pembiayaan terhadap Supplier Credit facilities provided for financing against suppliers of the Principal
dari Prinsipal dalam hal ini merupakan Nasabah/Debitur dengan jenis in this case is the Customer/Debtor with the type of Invoice (AR)
Invoice (AR) Financing, merupakan pembiayaan yang didasarkan pada Financing, which is financing based on invoices for goods/services
invoice atas barang/jasa yang telah di deliver kepada Prinsipal dan that have been delivered to the Principal and Purchase Order
Purchase Order (Contract) Financing merupakan pembiayaan yang (Contract) Financing is financing based on Purchase Orders for goods/
didasarkan pada Purchase Order terhadap barang/jasa yang belum services that have not been delivered to the Principal.
di deliver kepada Prinsipal.
• Money Market Line • Money Market Line
Fasilitas kredit jangka pendek yang biasanya diberikan kepada A short-term credit facility that is usually granted to companies in the
perusahaan berbentuk badan hukum dengan reputasi tinggi dan form of legal entities with a high reputation and known to have solid
diketahui memiliki kemampuan manajemen yang solid. Jangka waktu management capabilities. Terms are generally short +/- for 7 (seven)
umumnya singkat +/- selama 7 (tujuh) hari. days.
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
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Corporate Social Safety Responsibility
Produk Pelepasan Dana
Fund Release Products
Kredit Produktif
Productive Loans
• Negosiasi Wesel Ekspor • Export Bill Negotiation
Fasilitas kredit yang diberikan kepada debitur di mana Bank A credit facility provided to the debtor where the Bank takes over the
melakukan pengambilalihan wesel ekspor dari debitur dan melakukan export bills of exchange from the debtor and makes payment on the
pembayaran atas wesel tersebut sebelum Bank mendapatkan bills of exchange before the Bank gets payment from other paying
pembayaran dari bank pembayar lainnya di luar negeri. Fasilitas ini banks abroad. This facility will arise and be required in line with the
akan timbul dan dibutuhkan sejalan dengan pemberian kredit ekspor. granting of export credit.
• Kredit Ekspor • Export Credit
Fasilitas kredit modal kerja yang diberikan kepada eksportir (pemasok) Working capital credit facilities provided to exporters (suppliers) to
untuk membiayai kegiatan-kegiatan produksi, pengumpulan dana finance production activities, raising funds or supplying goods in the
atau penyediaan barang dalam rangka ekspor. context of exports.
• Trust Receipt • Trust Receipt
Fasilitas kredit jangka pendek yang diberikan oleh opening Bank untuk Short-term credit facility provided by the opening Bank to finance
membiayai modal kerja dalam rangka pelunasan dokumen Sight L/C working capital in order to repay the matured Sight L/C document.
yang telah jatuh tempo. Debitur dapat menarik Trust Receipt secara Debtors can withdraw the Trust Receipt repeatedly as long as the credit
berulang selama perjanjian kredit masih berlaku dan sesuai dengan agreement is still valid and in accordance with the maturity of the Sight
jatuh tempo Sight L/C yang telah dibuka oleh applicant. L/C that has been opened by the applicant.
• Advances Under L/C • Advances Under L/C
Fasilitas kredit dengan jangka waktu maksimal 14 (empat belas) Credit facility with a maximum period of 14 (fourteen) days. The facility
hari. Fasilitas timbul dalam transaksi penyelesaian L/C Impor yang arises in Import L/C settlement transactions because the Bank’s
disebabkan “nostro account” Bank telah didebit oleh negotiating “nostro account” has been debited by the negotiating Bank abroad
Bank di luar negeri sedangkan pendebitan rekening debitur belum while the debiting of the debtor’s account cannot be carried out
dapat dilaksanakan karena dokumen/barang belum tiba atau because the documents/goods have not arrived or the documents/
dokumen/barang sudah tiba namun debitur tidak mempunyai fasilitas goods have arrived but the debtor does not have a Trust Receipt facility
Trust Receipt sedangkan saldo di rekening tidak mencukupi. while the balance in the account is insufficient.
• Clean Bills • Clean Bills Purchased
Purchased Pembelian diskonto wesel dan surat berharga lain yang Purchase of discounted bills of exchange and other securities,
didiskontokan, dengan catatan wesel atau surat berharga tersebut provided that the bills of exchange or securities do not contain any
tidak terdapat penyimpangan sesuai dengan ketentuan yang diatur irregularities in accordance with the provisions stipulated by the party
oleh pihak yang menerbitkan wesel atau surat berharga tersebut. issuing the bills of exchange or securities.
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Produk Pelepasan Dana
Fund Release Products
Kredit Konsumtif
Consumptive Loans
• KPR ASyiG • KPR ASyiG
KPR ASyiG merupakan fasilitas pembiayaan untuk tujuan pembelian KPR ASyiG is a financing facility for the purpose of purchasing houses
rumah atau apartemen dan developer Agung Sedayu Group (ASG) or apartments provided by Agung Sedayu Group (ASG) whose amount
yang besarnya dapat disesuaikan dengan kebutuhan pembiayaan dan can be adjusted to the financing needs and ability to pay each home
kemampuan membayar masing-masing home buyer. buyer.
• KPR Reguler • KPR Reguler
Kredit Pemilikan Rumah atau Apartemen (KPR/KPA) dari Bank Home or apartment ownership loans (KPR/KPA) from Bank Artha Graha
Artha Graha Internasional yang diberikan kepada perorangan untuk Internasional for individuals to buy houses or apartments, through
membeli rumah atau apartemen, melalui developer yang telah bekerja developers who have established collaboration.
sama.
• KPR Sejahtera FLPP • KPR Sejahtera FLPP
Kredit Pemilikan Rumah (KPR) dari Bank Artha Graha Internasional Home Ownership Loan (KPR) from Bank Artha Graha Internasional
berupa Fasilitas Likuiditas Pembiayaan Perumahan kepada in the form of a Housing Financing Liquidity Facility for Low Income
Masyarakat Berpenghasilan Rendah (MBR) yang bekerja sama dengan People (MBR) in collaboration with the Ministry of Public Works and
Kementerian Pekerjaan Umum dan Perumahan Rakyat dalam rangka Public Housing in order to fulfill the One Million Houses Program.
pemenuhan Program Satu Juta Rumah.
• Kredit Tanpa Agunan (KTA) • Unsecured Loan (KTA)
Kredit Tanpa Agunan (KTA) adalah fasilitas kredit yang diberikan kepada Unsecured Loan (KTA) is a credit facility provided to debtors in Rupiah
debitur dalam mata uang Rupiah untuk keperluan konsumtif ataupun for consumptive or productive purposes as long as it does not conflict
produktif selama tidak bertentangan dengan ketentuan yang berlaku, with applicable regulations, does not require debtors to provide
dengan tidak mensyaratkan debitur untuk memberikan jaminan, dan guarantees, and is given on the basis of the debtor’s ability to pay based
diberikan atas dasar kemampuan bayar debitur berdasarkan historical on the debtor’s historical performance.
performance debitur yang bersangkutan.
• Kredit Kendaraan Bermotor (KKB) • Motor Vehicle Loans (KKB)
Kredit Kendaraan Bermotor (KKB) adalah kredit konsumer yang Motor Vehicle Loans (KKB) is a consumer loan provided to finance the
diberikan untuk membiayai pembelian kendaraan baru (mobil). purchase of a new vehicle (car). The purchase of the vehicle must go
Khusus untuk pembelian kendaraan ini harus melalui dealer/agen through an authorized dealer/agent from the Sole Agent of Brand Holder
resmi dari Agen Tunggal Pemegang Merek (ATPM) yang telah bekerja (ATPM) who has collaborated with BAGI. This KKB is complimentary
sama dengan BAGI. KKB ini bersifat complimentary (hanya diberikan (only given to debtors/Customers who have current funding/lending
kepada debitur/Nasabah yang memiliki fasilitas funding/lending status status facilities at Bank Artha Graha Internasional).
lancar di Bank Artha Graha Internasional).
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Fasilitas Kredit Lainnya
Other Credit Facilities
• Bank Garansi • Bank Guarantee
Jaminan Bank kepada pihak ketiga demi terjaminnya kelancaran Bank guarantee to third parties to ensure smooth payment/
pembayaran/pelaksanaan atas penyelesaian transaksi antara Nasabah implementation of transaction settlement between Customers and third
dengan pihak ketiga sesuai perjanjian yang telah disepakati. parties in accordance with agreed agreements.
• Letter of Credit • Letter of Credit
Dokumen instrumen yang diterbitkan oleh Opening Bank atas nama Documents/instruments issued by the Opening Bank on behalf of the
Nasabah (applicant) yang memberi kuasa kepada beneficiary untuk Customer (applicant) authorizing the beneficiary to withdraw bills/
melakukan penarikan wesel/draft, yang akan dibayar oleh Bank jika drafts, which will be paid by the Bank if all requirements on the L/C
semua persyaratan pada L/C telah dipenuhi. have been met.
• Standby Letter of Credit • Standby Letter of Credit
Garansi dalam bentuk L/C yang diterbitkan oleh Bank yang Guarantee in the form of L/C issued by the Bank which results in the
mengakibatkan Bank tersebut berkewajiban untuk membayar pihak Bank being obliged to pay the beneficiary if the guaranteed party
penerima garansi (beneficiary) apabila pihak yang dijamin (account (account party) defaults.
party) cidera janji/wanprestasi.
• Shipping Guarantee • Shipping Guarantee
Surat jaminan/garansi yang diterbitkan oleh Opening Bank atas A letter of guarantee issued by the Opening Bank at the request of the
permintaan importir dan ditujukan kepada Shipping Company/ importer and addressed to the Shipping Company to guarantee the
Maskapai Pelayaran untuk menjamin pengeluaran barang karena issuance of goods because the original transportation document (Bill of
dokumen pengangkutan asli (Bill of Lading) belum tiba/diterima. Lading) has not arrived/received.
• Custom Guarantee • Custom Guarantee
Pengambilalihan kewajiban membayar oleh Bank atas permintaan Takeover of payment obligations by the Bank at the request of the
Importir kepada Instansi Bea Cukai untuk menjamin pembayaran bea importer to the Customs agency to guarantee the payment of import
masuk barang impor yang dibebaskan atau ditangguhkan. duties on imported goods that are exempted or suspended.
• Foreign Exchange Contract • Foreign Exchange Contract
Fasilitas kredit yang diberikan jika Nasabah ingin melakukan transaksi Credit facility provided if Customers wish to make transactions in
dalam mata uang asing seperti transaksi Spot, Forward dan Swap. foreign currencies such as Spot, Forward and Swap.
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Layanan Digital Bank
Digital Bank Services
• Digital Apps • Digital Apps
Layanan perbankan berbasis mobile yang tersedia dalam Android Mobile-based banking services available on Android and iOS to answer
dan iOS untuk menjawab kebutuhan transaksi finansial maupun the needs of financial and non-financial transactions without having
non-finansial tanpa harus datang ke kantor cabang dengan fitur to go to a branch office with excellent features such as online account
unggulan seperti pembukaan rekening online, transaksi biller, cardless opening, biller transactions, cardless withdrawals, eWallet top-ups,
withdrawal, top up e-Wallet, pembelian e-Commerce. e-Commerce purchases.
• QRIS (Quick Response Indonesia Standard) • QRIS (Quick Response Indonesia Standard)
Layanan pembayaran berbasis QR berstandar Nasional melalui National standard QR-based payment services through the QR Code
metode scan QR Code, menggunakan aplikasi agi digital apps, ke scan method, using the agi digital apps application, to all merchant
seluruh jaringan merchant yang tergabung dengan QRIS. networks that are members of QRIS.
Selain itu, Bank juga menyediakan layanan penerimaan pembayaran In addition, the Bank also provides QR Code payment acceptance
QR Code di merchant yang bekerja sama dengan bank, melalui services at merchants that cooperate with banks, through the AGI Pay
aplikasi AGI Pay, sehingga dapat menerima pembayaran QRIS dari application so that it can accept QRIS payments from all institutions
seluruh lembaga yang telah disetujui oleh Bank Indonesia. approved by Bank Indonesia.
• API (Application Programming Interface) • API (Application Programming Interface)
Layanan antarmuka/interface yang menyediakan interkoneksi Service interface that provides interconnection of banking services
layanan perbankan antara sistem bank dan mitra bisnis dengan between bank systems and business partners while prioritizing security
tetap memprioritaskan aspek security dalam bertransaksi dengan aspects in transactions with SNAP (National Open API Payment
standarisasi SNAP (Standar Nasional Open API Pembayaran). Standard) standardization.
• Internet Banking Business • Internet Banking Business
Layanan perbankan yang berbasis web yang menawarkan kemudahan Web-based banking services that offer easy checking of company
pengecekan dana perusahaan serta transaksi pembayaran yang funds and payment transactions supported by security in carrying out
didukung dengan keamanan dalam menjalankan transaksi dengan transactions using authorization levels in transactions with the support
menggunakan tingkatan level otorisasi dalam bertransaksi dengan of soft tokens and hard tokens.
dukungan soft token dan hard token.
• Retail Internet Banking • Retail Internet Banking
Layanan perbankan berbasis web yang ditujukan untuk Nasabah Web-based banking services intended for individual Customers who
perorangan yang aktif dalam melakukan transaksional perbankan are active in conducting transactional banking through a browser with
melalui browser dengan jaminan kemudahan dan keamanan dalam guaranteed ease and security in transactions.
bertransaksi.
• Kartu ATM GrahaCash GPN • GrahaCash GPN ATM Card
Kartu ATM/Debit Chip sesuai Standar Nasional Teknologi Chip (SNTC) ATM/Debit Card Chip comply with the National Standard for Chip
yang memberikan kemudahan bertransaksi melalui jaringan ATM Technology (SNTC) which provides convenience for transactions
serta transaksi debit belanja di seluruh mesin EDC merchant yang through ATM networks and shopping debit transactions at all EDC
tergabung dalam Gerbang Pembayaran Nasional (GPN) di seluruh merchant machines incorporated in the National Payment Gateway
Indonesia. (GPN) throughout Indonesia.
• Fitur Virtual Account and Billing System • Virtual Account and Billing System Feature
Layanan yang menjadi solusi dalam rekonsiliasi pembayaran tagihan Services that provide solution for the reconciliation of customers bill
dari pelanggan yang mudah diakses baik melalui integrasi API payments that are easily accessible both through API integration and
maupun Corporate Internet Banking, sehingga dapat menerima Corporate Internet Banking, so that they can accept payments through
pembayaran melalui channel Bank maupun antar Bank dan transaksi Bank channels or interbank, and transactions can be made anytime and
dapat dilakukan kapanpun dan di manapun tanpa terbatas dengan anywhere without being limited to the Bank’s operating hours.
jam operasional Bank.
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Layanan Digital Bank
Digital Bank Services
• BI FAST • BI FAST
Layanan transfer dana antar Bank melalui pendaftaran nomor Interbank fund transfer services through account number registration
rekening maupun melalui proxy rekening (alias) berupa e-mail dan or through account proxy (alias) in the form of e-mail and Customer
nomor handphone Nasabah secara langsung/online dengan biaya mobile numbers directly/online with lower transfer fees.
transfer yang lebih murah.
• Fitur Payroll • Payroll Feature
Layanan yang menjadi solusi bagi kebutuhan Anda untuk pembayaran Services that solve your needs for fast, precise, and easy employee salary
gaji karyawan secara cepat, tepat, dan mudah melalui internet banking payments through Corporate Internet Banking, so that transactions can
bisnis, sehingga transaksi dapat dilakukan kapanpun dan dimanapun be done anytime and anywhere without being limited to Bank operating
tanpa terbatas dengan jam operasional Bank. hours.
• Laku Pandai • Laku Pandai
Layanan keuangan tanpa jaringan kantor Bank, namun melalui kerja Financial services without a network of Bank offices, but through
sama dengan pihak lain (agen) dengan didukung sarana teknologi cooperation with other parties (agents) supported by information
informasi menggunakan API management untuk melayani Nasabah. technology facilities using API Management to serve Customers. Laku
Laku Pandai merupakan salah satu program yang disediakan dalam Pandai is one of the programs provided in the framework of financial
rangka keuangan inklusif. inclusion.
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PETA JARINGAN BISNIS DAN WILAYAH OPERASI
Maps of Business Network and Operational Area
Sumatera Utara | North Sumatra
2 Kantor | Offices Kalimantan Barat | West Borneo
1 Kantor | Office
Riau
1 Kantor | Office
Kepulauan Riau | Riau Islands
1 Kantor | Office
Kepulauan Babel |
Babel Islands
1 Kantor | Office
Jambi
1 Kantor | Office
Sumatra Selatan |
South Sumatra
1 Kantor | Office DKI Jakarta
26 Kantor | Offices
Lampung Jawa Barat | West Java
1 Kantor | Office 11 Kantor | Offices
Bali
2 Kantor | Offices
Banten
2 Kantor | Offices
Jawa Tengah | Central Java
2 Kantor | Offices
Jawa Timur | East Java
2 Kantor | Offices
Jumlah Kantor Berdasarkan Wilayah
Number of Offices by Area
65
Kantor
Offices
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Kalimantan Timur | East Borneo
2 Kantor | Offices
Sulawesi Utara | North Sulawesi
2 Kantor | Offices
Kalimantan Selatan | South Borneo
1 Kantor | Office Maluku Utara Ternate | Ternate, North Maluku
1 Kantor | Office
Sulawesi Tenggara | Ambon, Maluku
South East Sulawesi 1 Kantor | Office
1 Kantor | Offices
Sulawesi Selatan | South Sulawesi
1 Kantor | Office
Langgur
1 Kantor | Office
Kupang
1 Kantor | Office
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Jumlah Kantor Berdasarkan Wilayah
Number of Offices by Area
Kegiatan Pelayanan Kas
ATM
Cash Service Activities
Area
KC KCP
Area
Jumlah
Payment Mobile KC KCP PP OFF
Total
DKI Jakarta 6 20 - 1 7 23 - 24 54
Jawa Barat 4 7 - - 4 7 - 16 27
West Java
Banten - 2 - - - 2 - 4 6
Jawa Tengah 2 - - - 2 - - 2 4
Central Java
Jawa Timur 1 1 - - 1 1 - 1 3
East Java
Bali 1 1 - - 1 1 - 6 8
Sumatra Utara 1 1 - - 2 2 - 5 9
North Sumatra
Sumatra Selatan 1 - - - 1 - - 2 3
South Sumatra
Sumatra Barat - - - - - - - 2 2
West Sumatra
Riau 1 - - - 2 - - - 2
Kepulauan Riau 1 - - - 1 - - 3 4
Riau Island
Jambi 1 - - - 1 - - - 1
Kepulauan Babel 1 - - - 1 - - - 1
Babel Island
Lampung 1 - - - 1 - - 1 2
Kalimantan Timur 2 - - - 2 - - - 2
East Borneo
Kalimantan Barat 1 - - - 1 - - 4 5
West Borneo
Kalimantan Selatan 1 - - - 1 - - - 1
South Borneo
Sulawesi Selatan 1 - - - 1 - - 1 2
South Sulawesi
Sulawesi Utara 2 - - - 2 - - - 2
North Sulawesi
Sulawesi Tenggara 1 - - - 2 - - 1 3
Southeast Sulawesi
Kupang (NTT) 1 - - - 1 - - 4 5
Kupang (East Nusa Tenggara)
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Jumlah Kantor Berdasarkan Wilayah
Number of Offices by Area
Kegiatan Pelayanan Kas
ATM
Cash Service Activities
Area
KC KCP
Area
Jumlah
Payment Mobile KC KCP PP OFF
Total
Maluku Utara 1 - - - 1 - - - 1
North Maluku
Maluku Ambon 1 1 - - 1 1 - 7 9
Jumlah
32 33 - 1 36 37 - 83 156
Total
Jumlah Kantor Berdasarkan Jenis Kantor
Number of Offices by Office Type
Jenis Kantor
2024 2023 2022 2021 2020
Office Type
Kantor Cabang 32 32 32 32 32
Branch Office
Kantor Cabang Pembantu 33 34 35 36 40
Sub-Branch Office
Kantor Kas - - - - 2
Cash Office
Kegiatan Pelayanan Kas
Cash Services Activities
Payment Point - - - - 6
Mobile Terminal 1 1 1 1 1
ATM
ATM
On Premises 73 73 74 72 80
Off Premises 83 80 57 46 44
Jumlah ATM
Total ATM 156 153 131 118 124
Jumlah
222 220 199 187 205
Total
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KEANGGOTAAN DALAM ASOSIASI
Association Membership
Bank Artha Graha Internasional bergabung dengan berbagai Bank Artha Graha Internasional joins various associations that
asosiasi/perhimpunan yang sesuai dengan kiprahnya dalam are relevant to its work in the banking industry. By joining these
industri perbankan. Dengan bergabung di dalam asosiasi/ associations, the Bank is able to share issues and policies on
perhimpunan ini, Bank bisa berbagi isu dan kebijakan tentang the banking industry, including its impact and opportunities for
industri perbankan, termasuk dampak dan peluangnya bagi banks in the short, medium and long term. In 2024, the Bank
perbankan pada jangka pendek, menengah maupun panjang. joined the following associations:
Selama tahun 2024, Bank bergabung dengan asosiasi/
perhimpunan berikut:
Nama Asosiasi Status Keanggotaan
Association Name Membership Status
ICSA (Indonesia Corporate Secretary Association) Anggota
Member
AEI (Asosiasi Emiten Indonesia) Anggota
AEI (Indonesian Issuers Association) Member
LAPS SJK (Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan) Anggota
LAPS SJK (Financial Services Sector Alternative Dispute Resolution Institution) Member
PERBANAS (Perhimpunan Bank Nasional) Anggota
PERBANAS (National Bank Association) Member
FKDKP (Forum Komunikasi Direktur Kepatuhan Perbankan) Anggota
FKDKP (Banking Compliance Director Communication Forum) Member
ASPI (Asosiasi Sistem Pembayaran Indonesia) Anggota
ASPI (Indonesian Payment System Association Member
Anggota
IASC (Indonesia Anti-Scam Centre)
Member
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This page is intentionally left blank.
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STRUKTUR ORGANISASI
Organizational Structure
Board of Commissioners
President Commissioner/ Vice President Vice President Independent Independent
Independent Commissioner Commissioner Commissioner Commissioner Commissioner
KIKI SYAHNAKRI SUGIANTO KUSUMA TOMY WINATA ELIZAWATIE S. PESTA ULI S.
Directors President Director
ANDY KASIH
IT Steering Credit ALCO Risk Management Human Capital Credit Policy Product
Committee Committee Committee Committeee Committee Committee Committee
Vice President Director
CHRISTINA HARAPAN
DIR. BUSINESS ASS DIR. RETAIL BANKING CORPORATE SECRETARY HEAD OF BUREAU
HANDOYO SOEDIRDJA ELVIN HALIM RUMI KRESHNA W. EMELIA SUSANTO
VICE HEAD OF BUREAU
VIVI HENNY
Financial Treasury & Wholesale Regional Regional Regional Regional Program & Digital Corporate Human General
Institution Fixed Banking Head 1 Head 2 Head 3 Head 4 Marketing Product Relations Capital Affair
Income
ANGGA HERU VACANT NINA LILY SELVY ITA IRIANI ISWADI VACANT ROCKY L. MARLENE LIDYA
PANGESTU HUTOMO GUNAWAN SETIAWATI
Financial Wholesale Business Business Business Business Payment Corporate
Head Sales Payroll Procurement
Institution Banking 1 Head 1 Head 2 Head 3 Head 4 & Merchant Affairs
Alm & Digital Human
Wholesale
Money Product & CSSR Record Premises
Banking 2
Market Development Data
Corporate Industrial
Communication Relations
Recruitment
Learning &
Development
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Commissioners
AUDIT COMMITTEE RISK MONITORING REMUNERATION AND
COMMITTEE NOMINATION COMMITTEE
1. PESTA ULI SITANGGANG 1. ELIZAWATIE S. 1. KIKI SYAHNAKRI
2. SURYANI PURWITA 2. SURYANI PURWITA 2. TOMY WINATA
3. ANAS LATIEF 3. ANAS LATIEF 3. MARLENE GUNAWAN
CHIEF FINANCIAL OFFICER DIR. COMPLIANCE & RISK DIR. ASSET RECOVERY
SUSANA INDRASTOMO NUGROHO INDRA S. BUDIANTO
CHIEF OPERATION OFFICER ASS. DIR. CREDIT ANALYST LEGAL BUREAU INTERNAL AUDIT
LINCE TOBING ANDY DHARMA GARY F. ATAUPAH ADHYAKSA SITEPU
IT Product IT Service IT Digital Operation 1 Operation 2 Risk Compliance Asset Asset Corp
Dev & Data Delivery & Service & Management Consumer & & Comm
Cyber Office Retail
Security Automation
GHIFARI IMRANUL MENACHEM EDRIWAN INNAWATI PONTTIE P. PONTTIE P. FX. RONY FX TEGUH
HADI TODING ALLO MEIDIKARA SULINA LOMBOAN SURYANTO
IT Data Core Banking IT System Corporate Credit Risk & Credit Collect & Asset
Reporting Appraisal Compliance Credit Audit
Management & Ops Assistance Procedure Commercial 1 ESG Legal Restructure 1 Corporate
Digital App & E-Channel Corporate
Corporate IT Asset Loan Non Credit Corporate Collect & Asset Operation
Surrounding Support & Commercial Control
Planning Development Management Disbursement Risk Legal Restructure 2 Commercial Audit
Operation 2 & FI
IT Gov & Credit
Accounting Service SME & AML & CTF Litigation Admin & Supervisory
Cyber Admin
& Tax & Quality Consumer 1 Report & Anti Fraud
Security & Document
Branch SME & IT Audit
Support Consumer 2
Post Credit
Monitoring
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PROFIL DEWAN KOMISARIS
Board of Commissioners Profile
Pada tahun 2024, komposisi Dewan Komisaris Bank tidak In 2024, the composition of the Bank’s Board of Commissioners
mengalami perubahan sesuai keputusan Rapat Umum remained unchanged, in accordance with the resolution of the
Pemegang Saham Tahunan yang diselenggarakan pada tanggal Annual General Meeting of Shareholders held on June 26,
26 Juni 2024 yang tertuang dalam Akta Pernyataan Keputusan 2024, as stated in the Deed of Meeting Resolution No. 05
Rapat No. 05 tanggal 17 Juli 2024. dated July 17, 2024.
Adapun profil dari masing-masing anggota Dewan Komisaris The profiles of each member of the Bank’s Board of
Bank untuk periode yang berakhir pada tanggal 31 Desember Commissioners for the period ending December 31, 2024, are
2024 adalah sebagai berikut: as follows:
KIKI SYAHNAKRI
Komisaris Utama/Komisaris Independen
President Commissioner/Independent Commissioner
Warga Negara Indonesia, berusia 77 tahun per Desember Indonesian citizen, 77 years old as of December 2024 and
2024 dan berdomisili di Jakarta. Beliau pertama kali menjabat domiciled in Jakarta. He first served as President Commissioner
sebagai Komisaris Utama Bank berdasarkan Akta Pernyataan of the Bank based on Deed of Meeting Resolution No. 26 dated
Keputusan Rapat No. 26 tanggal 12 Juni 2005 dan terakhir June 12, 2005 and was last appointed based on Deed of
kali diangkat berdasarkan Akta Pernyataan Keputusan Rapat Meeting Resolution No. 16 dated July 17, 2023. He has passed
No. 16 tanggal 17 Juli 2023. Beliau telah dinyatakan lulus uji the fit and proper test by Bank Indonesia based on Bank
kemampuan dan kepatutan oleh Bank Indonesia berdasarkan Indonesia Letter No. 15/29/GBI/DPIP/Secret dated February 12,
Surat Bank Indonesia No. 15/29/GBI/DPIP/Rahasia tanggal 12 2013.
Februari 2013.
Beliau lulus dari Akademi Militer Nasional pada tahun 1971 He graduated from the National Military Academy in 1971 and
dan berkarir di kemiliteran. Sepanjang karirnya, beliau telah had a career in the military. Throughout his career, he has held
menduduki berbagai jabatan penting, antara lain Asisten various important positions, including Operations Assistant to
Operasi KASAD (1998-1999), Panglima Darurat Militer Timor KASAD (1998-1999), Military Emergency Commander of East
Timur (September-November 1999), Panglima Daerah Militer Timor (September-November 1999), Commander of Military
IX Udayana (November 1999-November 2000), dan Wakil Region IX Udayana (November 1999-November 2000), and
Kepala Staf TNI Angkatan Darat (November 2000-Mei 2002). Deputy Chief of Staff of the Army (November 2000-May 2002).
Saat ini, beliau juga tercatat sebagai Ketua Komite Remunerasi Currently, he is also listed as the Chairman of the Bank’s
dan Nominasi Bank, beliau tidak memiliki rangkap jabatan Nomination and Remuneration Committee, he has no
di emiten dan perusahaan publik lain. Beliau tidak memiliki concurrent positions in other listed and public companies. He
hubungan afiliasi dengan anggota Dewan Komisaris, Direksi has no affiliation with members of the Board of Commissioners,
dan pemegang saham pengendali Bank. Board of Directors and controlling shareholders of the Bank.
Pada tahun 2024, beliau telah mengikuti Pembekalan dan In 2024, he participated in the Risk Management Certification
Ujian Sertifikasi Manajemen Risiko Jenjang 6 untuk Komisaris Training and Examination Level 6 for Commissioners, conducted
dari LSPP. by LSPP.
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TOMY WINATA
Wakil Komisaris Utama
Vice President Commissioner
Warga Negara Indonesia, berusia 66 tahun per Desember 2024 Indonesian citizen, 66 years old as of December 2024
dan berdomisili di Jakarta. Beliau pertama kali menjabat sebagai and domiciled in Jakarta. He first served as Vice President
Wakil Komisaris Utama Bank berdasarkan Akta Pernyataan Commissioner of the Bank based on Deed of Meeting
Keputusan Rapat No. 26 tanggal 12 Juni 2005 dan terakhir Resolution No. 26 dated June 12, 2005 and was last appointed
kali diangkat berdasarkan Akta Pernyataan Keputusan Rapat based on Deed of Meeting Resolution No. 16 dated July 17,
No. 16 tanggal 17 Juli 2023. Beliau telah dinyatakan lulus uji 2023. He has passed the fit and proper test by Bank Indonesia
kemampuan dan kepatutan oleh Bank Indonesia berdasarkan based on Bank Indonesia Letter No. 7/19/GBI/DPIP/Rahasia
Surat Bank Indonesia No. 7/19/GBI/DPIP/Rahasia tanggal 15 dated June 15, 2005.
Juni 2005.
Beliau dikenal sebagai pengusaha yang telah mengembangkan He is known as an entrepreneur who has developed businesses
usaha di berbagai bidang di Indonesia. Saat ini, beliau juga in various fields in Indonesia. Currently, he is also listed as
tercatat sebagai anggota Komite Remunerasi dan Nominasi a member of the Bank’s Remuneration and Nomination
Bank. Committee.
SUGIANTO KUSUMA
Wakil Komisaris Utama
Vice President Commissioner
Warga Negara Indonesia, berusia 73 tahun per Desember 2024 Indonesian citizen, 73 years old as of December 2024
dan berdomisili di Jakarta. Beliau pertama kali menjabat sebagai and domiciled in Jakarta. He first served as Vice President
Wakil Komisaris Utama Bank berdasarkan Akta Pernyataan Commissioner of the Bank based on Deed of Meeting Resolution
Keputusan Rapat No. 26 tanggal 12 Juni 2005 dan terakhir No. 26 dated June 12, 2005 and was last appointed based on
kali diangkat berdasarkan Akta Pernyataan Keputusan Rapat Deed of Meeting Resolution No. 16 dated July 17, 2023. He
No. 16 tanggal 17 Juli 2023. Beliau telah dinyatakan lulus uji has passed the fit and proper test by Bank Indonesia based on
kemampuan dan kepatutan oleh Bank Indonesia berdasarkan Bank Indonesia Letter No. 7/19/GBI/DPIP/Secret dated June 15,
Surat Bank Indonesia No. 7/19/GBI/DPIP/Rahasia tanggal 15 2005.
Juni 2005.
Beliau merupakan pengusaha yang telah mengembangkan He is an entrepreneur who has developed businesses in various
usaha di berbagai bidang di Indonesia. fields in Indonesia.
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ELIZAWATIE SIMON
Komisaris Independen
Independent Commissioner
Warga Negara Indonesia, berusia 63 tahun per Desember Indonesian citizen, 63 years old as of December 2024,
2024 dan berdomisili di Jakarta. Menjabat sebagai Komisaris domiciled in Jakarta. Appointed as Independent Commissioner
Independen Bank berdasarkan Akta Pernyataan Keputusan of the Bank based on Deed of Meeting Resolution No. 253 dated
Rapat No. 253 tanggal 25 Juli 2022. Beliau telah dinyatakan July 25, 2022. She has passed the fit and proper test by the
lulus uji kemampuan dan kepatutan oleh Otoritas Jasa Financial Services Authority in accordance with the Financial
Keuangan sesuai surat Otoritas Jasa Keuangan (OJK) No. Services Authority (OJK) letter No. KEP-59/D.03/2022 dated
KEP-59/D.03/2022 tanggal 20 April 2022. April 20, 2022.
Beliau meraih gelar Sarjana Hukum bidang Hukum Perdata dari She holds a Bachelor of Laws degree in Civil Law from Trisakti
Universitas Trisakti (1985). Sebelumnya, beliau berkarier sebagai University (1985). Previously, she worked as Head of Legal
Kepala Biro Hukum Bank Danamon (1982-1990), Kepala Biro Bureau of Bank Danamon (1982-1990), Head of Legal Bureau
Hukum PT Danayasa Arthatama (1990-1999). Beliau berkarier of PT Danayasa Arthatama (1990-1999). She had a career in
di Bank sebagai Kepala Biro Hukum (1999-2013), Komisaris the Bank as Head of Legal Bureau (1999-2013), Independent
Independen (Juni 2013), Direktur (November 2013), Komisaris Commissioner (June 2013), Director (November 2013),
(2018), Komisaris PT Jakarta International Hotels & Development Commissioner (2018), Commissioner of PT Jakarta International
Tbk (2018), Komisaris Independen PT Jakarta International Hotels & Development Tbk (2018), Independent Commissioner
Hotels & Development Tbk (2020-2021). of PT Jakarta International Hotels & Development Tbk (2020-
2021).
Saat ini, beliau juga tercatat sebagai Ketua Komite Pemantau She is currently serving as the Chairperson of the Bank’s Risk
Risiko Bank, beliau tidak memiliki rangkap jabatan di emiten Monitoring Committee. She does not hold any concurrent
dan perusahaan publik lain dan tidak memiliki hubungan afiliasi positions in other publicly listed companies and has no affiliation
dengan anggota Dewan Komisaris, Direksi dan pemegang with members of the Board of Commissioners, the Board of
saham pengendali Bank. Directors, or the Bank’s controlling shareholders.
Pada tahun 2024, beliau mengikuti Sertifikasi Manajemen Risiko In 2024, she participated in the Level 7 Risk Management
Jenjang 7, Seminar Penyelarasan Sertifikasi Manajemen Risiko Certification, the Alignment Seminar for the Level 7 Risk
Jenjang 7 dan The 19th Indonesia HR EXPO. Management Certification, and the 19th Indonesia HR EXPO.
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PESTA ULI SITANGGANG
Komisaris Independen
Independent Commissioner
Warga Negara Indonesia, 61 tahun per Desember 2024 dan Indonesian citizen, 61 years old as of December 2024, domiciled
berdomisili di Jakarta. Menjabat sebagai Komisaris Independen in Jakarta. She serves as Independent Commissioner of the
Bank berdasarkan Akta Pernyataan Keputusan Rapat No. 16 Bank based on Deed of Meeting Resolution No. 16 dated July
tanggal 17 Juli 2023 dan telah lulus Fit & Proper Test sesuai 17, 2023 and has passed the Fit & Proper Test in accordance
surat Otoritas Jasa Keuangan (OJK) No. KEPR-141/D.03/2023 with the letter of the Financial Services Authority (OJK) No.
tanggal 8 November 2023. KEPR-141/D.03/2023 dated November 8, 2023.
Beliau meraih gelar Sarjana Ekonomi Jurusan Akuntansi She holds a Bachelor of Economics degree in Accounting
dari Universitas Sumatra Utara (USU) pada tahun 1988. from the University of North Sumatra (USU), Medan in 1988.
Sebelumnya, beliau berkarier di KAP Prasetio Utomo & Co - Previously, she worked at KAP Prasetio Utomo & Co - Arthur
Arthur Andersen (1989-1999) dengan posisi terakhir sebagai Andersen as SC Manager (1989-1999), then as General
SC Manager, kemudian sebagai General Manager Internal Audit Manager Internal Audit and Financial Controller at PT
dan Financial Controller di PT Pionerindo Gourmet Internasional Pionerindo Gourmet Internasional Tbk (2000-2006), PT Repex
Tbk (2000-2006), Senior Manager Finance & Accounting di Persada Internasional (Fedex) as Senior Manager Finance &
PT Repex Persada Internasional (Fedex) (2006-2008), Direktur Accounting (2006-2008), PT Sentul City Tbk as Director and
dan Corporate Secretary di PT Sentul City Tbk (2008-2013), Corporate Secretary (2008-2013), PT Jakarta International
Senior Manager Keuangan di PT Jakarta International Hotels Hotels & Development Tbk as Senior Manager Finance (2013-
& Development Tbk (2013-2017), Corporate Secretary dan 2017), PT Danayasa Arthatama Tbk as Corporate Secretary and
Direktur PT Danayasa Arthatama Tbk (2017-2021), Advisor PT Director (2017-2021), PT Pangea Sinergi Solusindo as Advisor
Pangea Sinergi Solusindo (2022-2023). (2022-2023).
Saat ini beliau juga tercatat sebagai Ketua Komite Audit Bank, She is currently serving as the Chairperson of the Bank’s Audit
beliau tidak memiliki rangkap jabatan di emiten dan perusahaan Committee. She does not hold any concurrent positions in other
publik lain dan tidak memiliki hubungan afiliasi dengan anggota publicly listed companies and has no affiliation with members
Dewan Komisaris, Direksi dan pemegang saham pengendali of the Board of Commissioners, the Board of Directors, or the
Bank. Bank’s controlling shareholders.
Pada tahun 2024, beliau memperoleh Sertifikat Manajemen In 2024, she obtained the Level 6 Risk Management Certificate
Risiko Jenjang 6 untuk Komisaris dari LSPP dan mengikuti The for Commissioners from LSPP and participated in the 19th
19th Indonesia HR EXPO. Indonesia HR EXPO.
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PROFIL DIREKSI
Board of Directors Profile
Pada tahun 2024, komposisi Direksi Bank tidak mengalami In 2024, there were no changes to the composition of the
perubahan, sesuai keputusan Rapat Umum Pemegang Saham Bank’s Board of Directors. In accordance with the resolution
Tahunan yang diselenggarakan pada tanggal 26 Juni 2024, of the Annual General Meeting of Shareholders held on June
para pemegang saham setuju untuk mengangkat kembali Sdri. 26, 2024, the shareholders agreed to reappoint Ms. Christina
Christina Harapan sebagai Wakil Direktur Utama, sebagaimana Harapan as Vice President Director, as stated in the Deed of
tertuang dalam Akta Pernyataan Keputusan Rapat No. 05 Meeting Resolution No. 05 dated July 17, 2024.
tanggal 17 Juli 2024.
Dengan demikian, profil dari masing-masing anggota Direksi Accordingly, the profiles of each member of the Bank’s Board
Bank untuk periode yang berakhir pada tanggal 31 Desember of Directors for the period ending December 31, 2024, are as
2024 adalah sebagai berikut: follows:
ANDY KASIH
Direktur Utama
President Director
Warga Negara Indonesia, berusia 69 tahun per Desember 2024 Indonesian citizen, 69 years old as of December 2024 and
dan berdomisili di Jakarta. Diangkat pertama kali sebagai Direktur domiciled in Jakarta. He was first appointed as President Director
Utama Bank berdasarkan Akta Pernyataan Keputusan Rapat No. of the Bank based on Deed of Meeting Resolution No. 95 dated
95 tanggal 30 Juni 2008 dan terakhir kali diangkat berdasarkan June 30, 2008 and was last appointed based on Deed of Meeting
Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023. Resolution No. 16 dated July 17, 2023. He has passed the fit and
Beliau telah dinyatakan lulus uji kemampuan dan kepatutan oleh proper test by Bank Indonesia based on Bank Indonesia Letter
Bank Indonesia berdasarkan Surat Bank Indonesia No. 10/184/ No. 10/184/GBI/DPIP/Secret dated December 9, 2008.
GBI/DPIP/Rahasia tanggal 9 Desember 2008.
He earned his Bachelor of Economics degree from Widya
Beliau meraih gelar Sarjana Ekonomi dari Universitas Katolik Widya Mandala Catholic University in 1984. Previously, he worked as
Mandala pada tahun 1984. Sebelumnya, beliau berkarier sebagai Chief Accountant of PT Charoen Pokphand Indonesia Animal
Kepala Akuntan PT Charoen Pokphand Indonesia Animal Feedmill Feedmill (1979-1981), Chief Accountant and Finance of PT Impex
(1979-1981), Kepala Akuntan dan Keuangan PT Impex Megah Megah Surabaya (1981-1983), Executive Trainee of Citibank
Surabaya (1981-1983), Executive Trainee Citibank (1982), Wakil (1982), Vice President of Citibank (1994), Operations Director of
Presiden Citibank (1994), Direktur Operasi Bank Subentra (1994), Subentra Bank (1994), Operations Director of the Bank (1996), IT
Direktur Operasi Bank (1996), Direktur IT dan Fincon Bank (1999- and Fincon Director of the Bank (1999-2001), IT and Compliance
2001), Direktur IT dan Kepatuhan Bank (2001-2005), serta Direktur Director of the Bank (2001-2005), and IT Director, Compliance
IT, Direktur Kepatuhan, dan Risk Management Bank (2005-2008). Director, and Risk Management of the Bank (2005-2008).
Beliau tidak merangkap jabatan di perusahaan lain dan tidak He does not hold any concurrent positions in other companies
memiliki hubungan afiliasi dengan Dewan Komisaris, Direksi dan and has no affiliation with the Board of Commissioners, the
Pemegang Saham Pengendali. Pada tahun 2024, beliau telah Board of Directors, or the Controlling Shareholders. In 2024,
mengikuti Sertifikasi Manajemen Risiko Jenjang 7 dan Seminar he completed the Level 7 Risk Management Certification and
Penyelarasan Sertifikasi Manajemen Risiko Jenjang 7. attended the Alignment Seminar for the Level 7 Risk Management
Certification.
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CHRISTINA HARAPAN
Wakil Direktur Utama
Vice President Director
Warga Negara Indonesia, berusia 46 tahun per Desember 2024 Indonesian citizen, 46 years old as of December 2024 and
dan berdomisili di Jakarta. Diangkat pertama kali sebagai Wakil domiciled in Jakarta. She was first appointed as Vice President
Direktur Utama Bank berdasarkan Akta Pernyataan Keputusan Director of the Bank pursuant to Deed of Meeting Resolution
Rapat No. 9 tanggal 17 Juli 2018 dan terakhir kali diangkat No. 9 dated July 17, 2018, and was most recently reappointed
berdasarkan Akta Pernyataan Keputusan Rapat No. 05 tanggal pursuant to Deed of Meeting Resolution No. 05 dated July 17,
17 Juli 2024. Beliau telah dinyatakan lulus uji kemampuan 2024. She has been declared fit and proper by the Financial
dan kepatutan oleh Otoritas Jasa Keuangan berdasarkan Services Authority as stated in the Financial Services Authority
Surat Otoritas Jasa Keuangan No. SR-8/PB.12/2019 tanggal Letter No. SR-8/PB.12/2019 dated January 9, 2019.
9 Januari 2019.
Beliau meraih gelar Sarjana Bisnis dari Universitas San Diego She earned a Bachelor of Business degree from the University
pada tahun 1999 dan Master bidang Bisnis Administrasi dari of San Diego in 1999 and a Master of Business Administration
San Diego State University pada tahun 2000. Perjalanan from San Diego State University in 2000. Her career started
karier beliau dimulai di Bank Artha Graha Internasional at Bank Artha Graha Internasional as a Business Monitoring
sebagai Pemimpin Tim Pengawasan Bisnis di Internal Audit Team Leader in Internal Audit (2008-2012). Subsequently,
(2008-2012). Selanjutnya, beliau dipromosikan menjadi Kepala she was promoted to Head of Internal Control Division (2012-
Divisi Pengendalian Internal (2012-2014) yang bertugas dalam 2014) in charge of managing credit and operational risks,
mengelola risiko kredit dan operasional, Kepala Biro Direksi Head of Bureau of Directors (2014-2016), and Independent
(2014-2016), dan Komisaris Independen PT Bank ICBC Commissioner of PT Bank ICBC Indonesia (February 2016-May
Indonesia (Februari 2016-Mei 2018). 2018).
Pada tahun 2024, beliau mengikuti seminar penyelarasan dan In 2024, she attended the Alignment Seminar and Level 7
Sertifikasi Manajemen Risiko Jenjang 7, Seminar Economy Risk Management Certification, the 2024 Economic Outlook
Outlook 2024, the Role of Woman Leadership in Digital Era Seminar, the Role of Women Leadership in the Digital Era, and
serta the 19th Indonesia HR Expo. the 19th Indonesia HR Expo.
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INDRA S. BUDIANTO
Direktur
Director
Warga Negara Indonesia, berusia 62 tahun per Desember Indonesian citizen, 62 years old as of December 2024 and
2024, berdomisili di Jakarta. Diangkat pertama kali sebagai domiciled in Jakarta. He was first appointed as Director of the
Direktur Bank berdasarkan Akta Pernyataan Keputusan Rapat Bank based on Deed of Meeting Resolution No. 225 dated
No. 225 tanggal 28 November 2014 dan terakhir kali diangkat November 28, 2014 and was last appointed based on Deed of
berdasarkan Akta Pernyataan Keputusan Rapat No. 16 tanggal Meeting Resolution No. 16 dated July 27, 2023. He has passed
17 Juli 2023. Beliau telah dinyatakan lulus uji kemampuan dan the fit and proper test by the Financial Services Authority based
kepatutan oleh Otoritas Jasa Keuangan berdasarkan Surat on the Financial Services Authority Letter No. SR-183/D.03/2015
Otoritas Jasa Keuangan No. SR-183/D.03/2015 tanggal 2 dated October 2, 2015.
Oktober 2015.
Beliau meraih gelar Diploma of Business dari Ngee Ann He holds a Diploma in Business Education from Ngee Ann
Polytechnic, Singapura (1982), Bachelor of Economic (1989) dan Polytechnic, Singapore (1982), a Bachelor of Business
Master of Business Administration dari University of La Verne, Administration from University of La Verne, Claremont, Los
Claremont, Los Angeles, USA (1990) dan Master of Science Angeles, USA (1990) and a Master in Defense from Indonesia
(Defense) dari Universitas Pertahanan Indonesia (2012). Beliau Defense University (2012). He has served as General Manager
pernah menjabat sebagai General Manager PT Putra Kalimantan of PT Putra Kalimantan Group responsible for Medan, Dumai,
Group yang bertanggung jawab untuk wilayah Medan, Dumai, Palembang, Samarinda, Balikpapan and Makassar (1995) and
Palembang, Samarinda, Balikpapan, dan Makassar (1995) dan has served as Corporate Secretary of the Bank in 2018-2019.
pernah menjabat sebagai Sekretaris Perusahaan Bank pada
tahun (2018-2019).
Beliau tidak merangkap jabatan di perusahaan lain dan tidak He does not hold any concurrent positions in other companies
memiliki hubungan afiliasi dengan Dewan Komisaris, Direksi dan and has no affiliation with the Board of Commissioners, the
Pemegang Saham Pengendali. Pada tahun 2024, beliau telah Board of Directors, or the Controlling Shareholders. In 2024,
mengikuti Resertifikasi dan Seminar Penyelarasan Manajemen he participated in the Level 7 Risk Management Recertification
Risiko Jenjang 7 dan the 19th Indonesia HR Expo. and Alignment Seminar, as well as the 19th Indonesia HR Expo.
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INDRASTOMO NUGROHO
Direktur Kepatuhan/Direktur Independen
Compliance Director/Independent Director
Warga Negara Indonesia, berusia 50 tahun per Desember Indonesian citizen, 50 years old as of December 2024 and
2024, berdomisili di Jakarta. Diangkat pertama kali sebagai domiciled in Jakarta. He was first appointed as Director of the
Direktur Bank berdasarkan Akta Pernyataan Keputusan Rapat Bank based on Deed of Meeting Resolution No. 9 dated July
No. 9 tanggal 17 Juli 2018 dan terakhir kali diangkat berdasarkan 17, 2018 and was last appointed based on Deed of Meeting
Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023 Resolution No. 16 dated July 17, 2023 and has passed the Fit
dan telah lulus Fit & Proper Test sesuai surat Otoritas Jasa & Proper Test in accordance with the letter of the Financial
Keuangan (OJK) No. KEPR-142/D.03/2023 tanggal 8 November Services Authority (OJK) No. KEPR-142/D.03/2023 dated
2023. November 8, 2023.
Beliau meraih gelar Sarjana Ekonomi dari Universitas Trisakti He earned his Bachelor’s degree in Economics from Trisakti
pada tahun 1996. Beliau memulai kariernya di dunia perbankan University in 1996. He began his banking career as Senior
sebagai Senior Manager Product Bank Niaga (1996-2005), Product Manager at Bank Niaga (1996–2005), followed by
Head of Liabilities Product Bank Danamon (2005-2008), Head roles as Head of Liabilities Product at Bank Danamon (2005–
of Centralize Processing BTPN (2008-2009), Head of Consumer 2008), Head of Centralized Processing at BTPN (2008–2009),
Lending Product Development Bank Negara Indonesia (2009- and Head of Consumer Lending Product Development at Bank
2013). Beliau menjabat di Bank sebagai Deputi Direktur Negara Indonesia (2009–2013). At the Bank, he has held
Pengembangan Produk dan Bisnis (2013), Deputi Direktur several key positions, including Deputy Director of Product and
Commercial Banking (2018), Direktur Konsumer (2018) dan Business Development (2013), Deputy Director of Commercial
Direktur Digital & Ritel Banking (2020). Banking (2018), Director of Consumer Banking (2018), and
Director of Digital & Retail Banking (2020).
Beliau tidak sedang merangkap jabatan di perusahaan lain He is not currently holding any concurrent positions in
dan tidak memiliki hubungan afiliasi dengan Dewan Komisaris, other companies and has no affiliation with the Board of
Direksi dan Pemegang Saham Pengendali. Pada tahun 2024, Commissioners, the Board of Directors, or the Controlling
beliau telah mengikuti Resertifikasi dan Seminar Penyelarasan Shareholders. In 2024, he participated in the Level 7 Risk
Manajemen Risiko Jenjang 7 serta The 19th Indonesia HR Expo. Management Recertification and Alignment Seminar, as well as
the 19th Indonesia HR Expo.
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HANDOYO SOEDIRDJA
Direktur
Director
Warga Negara Indonesia, 60 tahun per Desember 2024, Indonesian citizen, 60 years old as of December 2024 and
berdomisili di Jakarta. Diangkat pertama kali sebagai Direktur domiciled in Jakarta. He was first appointed as Director of
Bank berdasarkan Akta Pernyataan Keputusan Rapat No. 18 the Bank based on Deed of Meeting Resolution No. 18 dated
tanggal 7 Desember 2012 dan terakhir kali diangkat berdasarkan December 7, 2012 and was last appointed based on Deed of
Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023 Meeting Resolution No. 16 dated July 17, 2023 and has passed
dan telah telah lulus Fit & Proper Test sesuai surat Otoritas the Fit & Proper Test in accordance with the letter of the
Jasa Keuangan (OJK) No. KEPR-143/D.03/2023 tanggal 8 Financial Services Authority (OJK) No. KEPR-143/D.03/2023
November 2023. dated November 8, 2023.
Beliau meraih gelar Bachelor of Science dari Macquarie He earned a Bachelor of Science degree from Macquarie
University, Sydney, Australia (1989) dan Master of Business University, Sydney, Australia (1989) and a Master of Business
Administration dibidang Finance and Marketing dari Bond Administration in Finance and Marketing from Bond University
University Queensland, Australia (1996). Sebelumnya, beliau Queensland, Australia (1996). Prior to this, he had a career as
berkarier sebagai Financial Advisor/Analyst di Deutsche Bank a Financial Advisor/Analyst at Deutsche Bank Australia (1995-
Australia (1995-1997), Senior Financial Advisor/Business Analyst 1997), Senior Financial Advisor/Business Analyst at Credit
di Credit Suisse First Boston/Challenger Australia (1997-2002), Suisse First Boston/Challenger Australia (1997-2002), Finance
Direktur Keuangan Mosaic Oil NL (Listed Company di Australia), Director at Mosaic Oil NL (Listed Company in Australia), CEO
CEO Avexa Investment Ltd., dan Deputi Komisaris Avexa of Avexa Investment Ltd., and Deputy Commissioner of Avexa
Investment (Listed Company di Australia), Fund Manager di Investment (Listed Company in Australia), Fund Manager at
Bell Potter Securities Limited Australia (2002-2004), Senior Bell Potter Securities Limited Australia (2002-2004), Senior
Corporate Financial Advisor di ABN Amro Morgans Limited Corporate Financial Advisor at ABN Amro Morgans Limited
Australia (2004-2009), Private Equity Senior Financial Advisor Australia (2004-2009), Private Equity Senior Financial Advisor
di UBS/Bell Potter Security Limited Australia (2009-2012), at UBS/Bell Potter Securities Limited Australia (2009-2012),
Chief Executive Officer di PT Kelas Kita Edukasi Indonesia Chief Executive Officer at PT Kelas Kita Edukasi Indonesia
(2020-2023), Chief Executive Officer di PT Project One Solution (2020-2023), and Chief Executive Officer at PT Project One
(2022-2023). Beliau menjabat di Bank sebagai Kepala Biro Solution (2022-2023). He served at the Bank as Head of the
Direksi (September 2012–Desember 2012), Direktur Kepatuhan Board Bureau (September 2012-December 2012), Compliance
(2013-2014), Direktur Kredit Korporasi, Capital Market & Treasury Director (2013-2014), Director of Corporate Credit, Capital
(2014-2016), Direktur Kredit & Treasury (2017-2018). Markets & Treasury (2014-2016), and Director of Credit &
Treasury (2017-2018).
Beliau tidak sedang merangkap jabatan di perusahaan lain He is not currently holding any concurrent positions in
dan tidak memiliki hubungan afiliasi dengan Dewan Komisaris, other companies and has no affiliation with the Board of
Direksi dan Pemegang Saham Pengendali. Commissioners, the Board of Directors, or the Controlling
Shareholders.
Pada tahun 2024, beliau mengikuti Pembekalan dan Ujian In 2024, he attended the Preparatory Program and Examination
Sertifikasi Manajemen Risiko Jenjang 7 untuk Direksi dan for the Level 7 Risk Management Certification for Directors and
Sertifikasi Treasury Dealer Jenjang 7. obtained the Level 7 Treasury Dealer Certification.
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PEJABAT EKSEKUTIF
Executive Officials
Nama dan Jabatan Keterangan
No
Name and Position Description
1. EMELIA SUSANTO Warga Negara Indonesia, berusia 47 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
bergabung di Bank Artha Graha Internasional sejak tanggal 30 Juni 2018 sebagai Head of Bureau.
Head of Bureau
Memperoleh Sertifikasi Manajemen Risiko Level 1 atau setara Jenjang 4 dari Badan Sertifikasi Manajemen
Risiko, Sertifikasi General Banking Level 2 dari Lembaga Sertifikasi Profesi Perbankan dan Certified
Human Resources Professional (CHRP) tahun 2021, Advanced Human Capital Accomplished (AHCA), dan
Administrative Human Resources Professional (AHRP) dari UNIKA Atma Jaya pada tahun 2022.
Indonesian citizen, 47 years old as of December 2024, and domiciled in Jakarta. She joined Bank Artha
Graha Internasional on June 30, 2018, as Head of Bureau. She holds a Level 1 Risk Management Certification
(equivalent to Level 4) from the Risk Management Certification Body, a Level 2 General Banking Certification
from the Banking Professional Certification Institute, and obtained the Certified Human Resources
Professional (CHRP) designation in 2021, as well as the Advanced Human Capital Accomplished (AHCA)
and Administrative Human Resources Professional (AHRP) certifications from UNIKA Atma Jaya in 2022.
2. VIVI HENNY Warga Negara Indonesia, berusia 40 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau meraih
gelar Sarjana Manajemen Bisnis dari LA Trobe University (2009). Mulai berkarier di Bank tahun 2010
Vice Head of Bureau
dan saat ini beliau menjabat sebagai Vice Head of Bureau sejak tanggal 18 Oktober 2023 dan Komisaris
Independen di PT Electronic City Indonesia Tbk (2020-sekarang).
Indonesian citizen, 40 years old as of December 2024 and domiciled in Jakarta. She graduated with
Business Management Degree from LA Trobe University (2009). She pursued her career in Banking industry
since 2010, and currently hold as Vice Head of Bureau since October 18, 2023, served as Independent
Commissioner at PT Electronic City Indonesia Tbk (2020-present).
3. SUSANA Warga Negara Indonesia, berusia 52 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Chief Financial Officer (CFO) sejak tanggal 30 September 2022. Beliau meraih
Chief Financial Officer
gelar Diploma dari Akademi Akuntansi YAI (1996), Sarjana Akuntansi dari Universitas Trisakti (2013),
dan Pendidikan Profesi Akuntansi (PPAK) dari Universitas Trisakti (2014). Sebelumnya berkarier di PT
Buanagraha Arthaprima dengan jabatan terakhir sebagai Finance and Accounting Manager (2016),
Direktur PT Bukit Lentera Sejahtera (2011-2016), Kepala SKAI PT Bank Artha Graha Internasional Tbk
(2017-2020), Associate Direktur Financial Control & Budgeting merangkap Sekretaris Perusahaan (2020-
2021), dan Direktur Fincon, Admin Kredit & Legal (2022).
Indonesian citizen, 52 years old as of December 2024, and domiciled in Jakarta. She has served as Chief
Financial Officer (CFO) since September 30, 2022. She holds a Diploma from YAI Accounting Academy
(1996), a Bachelor’s degree in Accounting from Trisakti University (2013), and completed the Professional
Accounting Education Program (PPAK) at Trisakti University (2014). Previously, she held various professional
roles, including Finance and Accounting Manager at PT Buanagraha Arthaprima (2016), Director of PT Bukit
Lentera Sejahtera (2011–2016), Head of Internal Audit Unit (SKAI) at PT Bank Artha Graha Internasional
Tbk (2017–2020), Associate Director of Financial Control & Budgeting concurrently serving as Corporate
Secretary (2020–2021), and Director of Finance, Credit Administration & Legal (2022).
4. LINCE MARIA TOBING Warga Negara Indonesia, berusia 58 tahun per Desember 2024, berdomisili di Jakarta. Beliau menjabat
sebagai Chief Operating Officer sejak tanggal 23 Juli 2024. Beliau meraih gelar Sarjana Teknologi
Chief Operating Officer
Pertanian Universitas Padjadjaran Bandung. Berkarier selama lebih dari 30 tahun di industri perbankan
pada beberapa Bank. Pernah menjabat sebagai Collection & Fraud Management Head Bank Bali (1990-
1996) dan Bank Papan Sejahtera (1996-1998), Risk Management Head Bank HSBC (1998-2000), Risk
Management dan Project Management Head American Express (2000-2006), dan Senior Vice President
untuk beberapa posisi di Bank Danamon Indonesia (2006-2021) dengan jabatan Service Strategy Program
and Development Head. Sebelumnya beliau berkarier di Bank sebagai Associate Director Operation (2021-
2023), Chief Operation Officer (2023-Juli 2024).
Indonesian citizen, 58 years old as of December 2024, and domiciled in Jakarta. She has served as Chief
Operating Officer since July 23, 2024. She holds a Bachelor’s degree in Agricultural Technology from
Universitas Padjadjaran, Bandung. She has over 30 years of experience in the banking industry, having
worked at several banks. She previously served as Collection & Fraud Management Head at Bank Bali
(1990–1996) and Bank Papan Sejahtera (1996–1998), Risk Management Head at Bank HSBC (1998–
2000), Risk Management and Project Management Head at American Express (2000–2006), and
Senior Vice President in various positions at Bank Danamon Indonesia (2006–2021), most recently as
Service Strategy Program and Development Head. She also held roles at the Bank as Associate Director of
Operations (2021–2023) and Chief Operating Officer (2023–July 2024).
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Nama dan Jabatan Keterangan
No
Name and Position Description
5. ANDY DHARMA Warga Negara Indonesia, berusia 50 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau diangkat
menjadi Associate Director Credit Analyst sejak tanggal 23 Juli 2024. Beliau meraih gelar Bachelor of
Associate Director Credit Analyst
Commerce dengan double majors Banking and Marketing dari Curtin University of Technology (2001)
dan Master Sains (Honors) Defense Economics dari Universitas Pertahanan Indonesia (2012). Sebelumnya,
berkarier di Bank sebagai peserta Management Development Program (2002), Staf Treasury (2002-2003),
Staf Tim Risk Management Working Team (2003-2008), Wakil Kepala Divisi Pengembangan Produk dan
Servis (2008-2010), Wakil Kepala Divisi Kredit II (2010-2012), Kepala Divisi Sekretaris Perusahaan (2012-
2014), Kepala Divisi International Banking (2014-2015), Kepala Divisi Treasury & International Banking
(2015-2017), Staf Khusus Direktorat Bisnis 2 (2017-2018), Deputi Direktur Treasury and FI (2018-2021),
Direktur Bisnis & Treasury (2021) dan Associate Director Risk Management (2023).
Indonesian citizen, 50 years old as of December 2024, and domiciled in Jakarta. He was appointed as
Associate Director of Credit Analyst on July 23, 2024. He holds a Bachelor of Commerce degree with
double majors in Banking and Marketing from Curtin University of Technology (2001) and a Master of
Science (Honors) in Defense Economics from the Indonesia Defense University (2012). He previously held
various positions at the Bank, including participant in the Management Development Program (2002),
Treasury Staff (2002–2003), Member of the Risk Management Working Team (2003–2008),
Deputy Head of Product and Service Development Division (2008–2010), Deputy Head of Credit Division
II (2010–2012), Head of Corporate Secretary Division (2012–2014), Head of International Banking
Division (2014–2015), Head of Treasury & International Banking Division (2015–2017), Special Staff to the
Directorate of Business 2 (2017–2018), Deputy Director of Treasury and FI (2018–2021), Director of
Business & Treasury (2021), and Associate Director of Risk Management (2023).
6. ELVIN HALIM Warga Negara Indonesia, 44 tahun per Desember 2024 dan berdomisili di Jakarta. Menjabat sebagai
Associate Director Retail Banking sejak tanggal 26 Juni 2024. Meraih gelar sarjana dalam bidang Teknik
Associate Director Retail Banking
Elektro dari Universitas Katolik Atma Jaya, Jakarta (2003) dan telah menyelesaikan Program Certified
Human Resources Professional (2021), Sertifikasi Manajemen Risiko Perbankan Jenjang 7 (2022), dan
Advanced Human Capital Acomplished (2022). Dalam perjalanan karirnya, beliau pernah menjabat
sebagai Wakil Pemimpin Cabang, Pemimpin Cabang dan Pemimpin Wilayah di PT Bank Sinarmas
Tbk (2006-2013), Production Engineering di PT Yamaha Music Manufacturing Asia (2004-2005) dan
memulai karir di Bank pada tahun 2014 sebagai Pemimpin Cabang (2014-2020) dan Deputi Direktur
Human Capital (2020-2023), serta sebagai anggota Komite Remunerasi dan Nominasi (2021-2023), dan
Corporate Secretary (2023).
Indonesian citizen, 44 years old as of December 2024, and domiciled in Jakarta. He has served as
Associate Director of Retail Banking since June 26, 2024. He holds a Bachelor’s degree in Electrical
Engineering from Atma Jaya Catholic University, Jakarta (2003), and has completed the Certified Human
Resources Professional Program (2021), Level 7 Banking Risk Management Certification (2022), and the
Advanced Human Capital Accomplished Program (2022). Throughout his career, he has held several key
positions, including Deputy Branch Manager, Branch Manager, and Regional Manager at PT Bank Sinarmas
Tbk (2006–2013), and Production Engineering at PT Yamaha Music Manufacturing Asia (2004–2005).
He began his career at the Bank in 2014 as Branch Manager (2014–2020), Deputy Director of Human
Capital (2020–2023), and also served as a member of the Remuneration and Nomination Committee
(2021–2023), as well as Corporate Secretary (2023).
7. GARY FERDINAN ATAUPAH Warga Negara Indonesia, berusia 31 tahun per Desember 2024 dan berdomisili di Tangerang. Beliau
menjabat sebagai Legal Bureau sejak tanggal 30 September 2022. Beliau meraih gelar Sarjana Hukum
Legal Bureau
di Universitas Atma Jaya Jakarta (2014) dan Magister Hukum dari Universitas Indonesia tahun (2018).
Sebelumnya, beliau berkarier di Bank sebagai Sekretaris Direksi (2021-2022).
Indonesian citizen, 31 years old as of December 2024, and domiciled in Tangerang. He has served as
Head of the Legal Bureau since September 30, 2022. He holds a Bachelor of Laws degree from Atma Jaya
University, Jakarta (2014), and a Master of Laws degree from the University of Indonesia (2018). Previously,
he served at the Bank as Board Secretary (2021–2022).
110 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Nama dan Jabatan Keterangan
No
Name and Position Description
8. ADHYAKSA SITEPU Warga Negara Indonesia, 55 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau menjabat
sebagai Head of Internal Audit sejak tanggal 15 Oktober 2020. Beliau meraih gelar Sarjana Ekonomi
Head of Internal Audit
jurusan Akuntansi dari Sekolah Tinggi Ilmu Ekonomi Bandung (1993), Master Business Administration
dari Newport University USA (1997) dan Doctor of Philosophy bidang Manajemen dari American World
University (1998). Sebelumnya berkarier sebagai Deputi Head Internal Audit PT Jakarta International
Hotels & Development Tbk. Selanjutnya berkarier di Bank sebagai Deputi Direktur Anti Fraud, Kontrol dan
APU PPT (2018-2019), dan Deputi Direktur Kepatuhan (2019-2020).
Indonesian citizen, 55 years old as of December 2024, and domiciled in Jakarta. He has served as Head of
Internal Audit since October 15, 2020. He holds a Bachelor’s degree in Economics majoring in Accounting
from Sekolah Tinggi Ilmu Ekonomi Bandung (1993), a Master of Business Administration from Newport
University, USA (1997), and a Doctor of Philosophy in Management from American World University (1998).
He previously served as Deputy Head of Internal Audit at PT Jakarta International Hotels & Development
Tbk. He later continued his career at the Bank as Deputy Director of Anti-Fraud, Control, and AML-CFT
(2018–2019), and Deputy Director of Compliance (2019–2020).
9. RUMI KRESHNA WIBOWO Warga Negara Indonesia, berusia 56 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Corporate Secretary sejak tanggal 26 Juni 2024. Beliau meraih gelar Sarjana Akuntansi
Corporate Secretary
dari STIE Bhakti Pembangunan (2016) dan Lulus Program Pendidikan Singkat Angkatan (PPSA) XX tahun
2018 Lemhanas RI. Beliau berkarier di Bank sebagai Team Verifikator BPPN (2000), Staf Kredit (2000)
Business Development (2003), Kabag Kredit UMKM & Kemitraan II (2008), Staf Khusus Bidang Kemitraan
& UMKM (2009), Kadiv SAM & Remedial (2012), Kepala SKAI (2014), Staf Khusus Direktur SDM (2015),
Deputy Director Corporate Secretary (2017), Deputi Direktur Admin Sekretaris Perusahaan (2018), Kepala
Divisi Special Aset Management (2019) dan Senior Officer Asset Recovery (2024).
Indonesian citizen, 56 years old as of December 2024, and domiciled in Jakarta. He has served as
Corporate Secretary since June 26, 2024. He holds a Bachelor’s degree in Accounting from STIE Bhakti
Pembangunan (2016) and completed the Short Education Program (PPSA) Batch XX in 2018 at the National
Resilience Institute of the Republic of Indonesia (Lemhannas RI). He has built his career at the Bank through
various roles, including Verifier Team Member at IBRA (2000), Credit Staff (2000), Business Development
(2003), Head of MSME & Partnership Credit Section II (2008), Special Staff for Partnership & MSMEs
(2009), Head of SAM & Remedial Division (2012), Head of Internal Audit Unit (2014), Special Staff to the
HR Director (2015), Deputy Director of Corporate Secretary (2017), Deputy Director of Corporate Secretary
Administration (2018), Head of Special Asset Management Division (2019), and Senior Officer of Asset
Recovery (2024).
10. ROCKY S. LAURENS Warga Negara Indonesia, berusia 48 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director Corporate Relations sejak tanggal 10 Juli 2023. Beliau meraih gelar
Deputy Director Corporate
Sarjana Akuntansi dari Universitas Advent Indonesia. Sebelumnya, beliau berkarier di Bank sebagai Staf
Relations
Financial Control (2005), Management Development Program (2011), Account Officer (2012), Kepala
Bagian Kontrol Keuangan (2014), Deputi Direktur Fincon, Accounting, Budgeting, Sistem dan Prosedur
(2017-2019), Deputi Direktur Sistem dan Prosedur, serta Perwakilan Pengguna (2018-2020), Deputi
Direktur Operasi (2020-2022), dan Deputy Director Operation 1 (2022-2023).
Indonesian citizen, 48 years old as of December 2024, and domiciled in Jakarta. He has served as Deputy
Director of Corporate Relations since July 10, 2023. He holds a Bachelor’s degree in Accounting from
Universitas Advent Indonesia. Previously, he developed his career at the Bank through various positions,
including Financial Control Staff (2005), Management Development Program participant (2011), Account
Officer (2012), Head of Financial Control Section (2014), Deputy Director of Financial Control, Accounting,
Budgeting, Systems, and Procedures (2017–2019), Deputy Director of Systems and Procedures as well as
User Representative (2018–2020), Deputy Director of Operations (2020–2022), and Deputy Director of
Operation 1 (2022–2023).
2024 Annual Report PT Bank Artha Graha Internasional Tbk 111
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Nama dan Jabatan Keterangan
No
Name and Position Description
11. MARLENE GUNAWAN Warga Negara Indonesia, 39 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau menjabat
sebagai Deputy Director Human Capital sejak tanggal 10 Juli 2023. Beliau meraih gelar Sarjana Ekonomi
Deputy Director Human Capital
Akuntansi dari Universitas Tarumanagara (2008) dan Magister Manajemen Universitas Tarumanagara
(2010). Sebelumnya, beliau menjabat sebagai Executive Officer Kredit Korporasi Bank (2017), Deputi
Direktur Bisnis 3 (2018-2020), Deputi Direktur Korporasi & FI (2020-2021), Deputi Direktur KPO Sudirman
(2021), dan Corporate Secretary (2021-2023).
Indonesian citizen, 39 years old as of December 2024, and domiciled in Jakarta. She has served as
Deputy Director of Human Capital since July 10, 2023. She holds a Bachelor’s degree in Accounting from
Universitas Tarumanagara (2008) and a Master’s degree in Management from Universitas Tarumanagara
(2010).Previously, she held various positions at the Bank, including Executive Officer for Corporate Credit
(2017), Deputy Director of Business 3 (2018–2020), Deputy Director of Corporate & FI (2020–2021),
Deputy Director of KPO Sudirman (2021), and Corporate Secretary (2021–2023).
12. EDRIWAN MEIDIKARA Warga Negara Indonesia, berusia 45 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director Operation 1 sejak tanggal 10 Juli 2023. Beliau meraih gelar Sarjana
Deputy Director Operation 1
Manajemen di STIE Perbanas Jakarta (2003) dan gelar Magister Manajemen di ABFI Perbanas Jakarta
(2013). Sebelumnya, beliau menjabat di Bank sebagai Kepala Seksi Kredit Konsumer & UMKM (2013), Staf
Wilayah 9 (2014), Senior Credit Procedure (2017), Executive Officer Sistem Prosedur Kredit & SDM (2019),
Executive Officer Sistem Prosedur (2020), Executive Officer Sistem Prosedur Operation, SDM, Kredit &
Treasury, dan Executive Officer Service & Quality (2022-2023).
Indonesian citizen, 45 years old as of December 2024, and domiciled in Jakarta. He has served as
Deputy Director of Operation 1 since July 10, 2023. He holds a Bachelor’s degree in Management from STIE
Perbanas Jakarta (2003) and a Master’s degree in Management from ABFI Perbanas Jakarta (2013).
Previously, he held several positions at the Bank, including Head of Consumer & MSME Credit Section
(2013), Regional Staff for Region 9 (2014), Senior Credit Procedure Officer (2017), Executive Officer for
Credit & HR Procedures (2019), Executive Officer for Procedures System (2020), Executive Officer for
Operations, HR, Credit & Treasury Procedures, and Executive Officer for Service & Quality (2022–2023).
13. INNAWATI SULINA Warga Negara Indonesia, berusia 56 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director Operation 2 sejak tanggal 30 September 2022. Beliau meraih gelar
Deputy Director Operation 2
Sarjana Ekonomi Manajemen dari Universitas Tridharma Widya Jakarta (1994). Sebelumnya, beliau
menjabat sebagai Staf SKAI (2001), Staf Komisaris (2002), Sekretariat Komisaris & Direksi (2011), Staf
Khusus Sekretariat Komisaris (2013), Sekretariat Komisaris (2017-2020), dan Deputi Direktur Admin Kredit
& Legal (2020-2022).
Indonesian citizen, 56 years old as of December 2024, and domiciled in Jakarta. She has served as Deputy
Director of Operation 2 since September 30, 2022. She holds a Bachelor’s degree in Economics, majoring
in Management, from Universitas Tridharma Widya Jakarta (1994). Previously, she held several positions at
the Bank, including Internal Audit Staff (2001), Commissioner’s Staff (2002), Secretariat for the Board of
Commissioners and Directors (2011), Special Staff to the Commissioner’s Secretariat (2013), Commissioner’s
Secretariat (2017–2020), and Deputy Director of Credit Administration & Legal (2020–2022).
14. LIDYA SETIAWATI Warga Negara Indonesia, berusia 51 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director General Affairs sejak tanggal 23 Oktober 2020. Pada tahun 1995
Deputy Director General Affairs
meraih gelar Sarjana Marketing di Arizona State University dan gelar Master International Business
Management di Hawaii Pacific University (1999). Sebelumnya, beliau menjabat sebagai Staf Corporate
Secretary (2012), Staf Premises (2013), PJs Kabag Premises (2014), Pejabat Cost Control (2015), Executive
Officer Procurement & Premises (2017), dan Deputy Director General Affairs (2020).
Indonesian citizen, 51 years old as of December 2024, and domiciled in Jakarta. She has served as Deputy
Director of General Affairs since October 23, 2020. She earned a Bachelor’s degree in Marketing from
Arizona State University in 1995 and a Master’s degree in International Business Management from Hawaii
Pacific University in 1999. Previously, she held various positions at the Bank, including Corporate Secretary
Staff (2012), Premises Staff (2013), Acting Head of Premises (2014), Cost Control Officer (2015), and
Executive Officer of Procurement & Premises (2017).
112 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
Nama dan Jabatan Keterangan
No
Name and Position Description
15. PONTTIE PRASNANUGRAHA Warga Negara Indonesia, berusia 45 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
PERKASA menjabat sebagai Deputy Director Compliance sejak tanggal 30 September 2022. Meraih gelar Sarjana
Akuntansi (2003) dan Master Akuntansi dari Universitas Diponegoro Semarang (2007). Sebelumnya,
Deputy Director Compliance
beliau pernah menjabat sebagai Staf Operasi Cabang Harmoni (2003-2004), Staf Operasi Cabang
Pandanaran Semarang (2004-2010), Account Officer Cabang Suryopranoto (2010-2011), Account Officer
Cabang Pemuda (2011-2013), Staf SKMR (2013-2018), Executive Officer SKMR (2019-2020), Deputi
Direktur SKMR-ERM (2020), dan Deputi Direktur SKMR & Kepatuhan (2021-2022).
Indonesian citizen, 45 years old as of December 2024, and domiciled in Jakarta. He has served as Deputy
Director of Compliance since September 30, 2022. He earned a Bachelor’s degree in Accounting (2003)
and a Master’s degree in Accounting from Diponegoro University, Semarang (2007). Previously, he held
various positions at the Bank, including Operations Staff at Harmoni Branch (2003–2004), Operations
Staff at Pandanaran Semarang Branch (2004–2010), Account Officer at Suryopranoto Branch (2010–
2011), Account Officer at Pemuda Branch (2011–2013), Risk Management and Monitoring Staff (2013–
2018), Executive Officer of Risk Management and Monitoring (2019–2020), Deputy Director of Risk
Management–ERM (2020), and Deputy Director of Risk Management and Compliance (2021–2022).
16. IMRANUL HADI Warga Negara Indonesia, berusia 57 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director IT Service Delivery & Cyber Security sejak 23 Juli 2024. Beliau meraih
Deputy Director IT Service Delivery &
gelar Sarjana Teknik di Universitas Syiah Kuala (1991), S2 Bisnis & Manajemen di Universitas Prasetya
Cyber Security
Mulia (1996) dan S2 Manajemen Informatika di George Washington University (2002). Sebelumnya, beliau
pernah menjabat sebagai Koordinator SKAI Bagian EDP Audit (2001), Kabag EDP Audit (2007), Kabag
Audit Teknologi (2008), Staf Khusus Corporate Secretary (2012), Kabag EDP Quality Assurance (2013),
Kabag IT Security & QA (2016), Executive Officer IT Security (2019-2020), Deputi Direktur Digital Banking
(2020-2021), dan Deputi Direktur IT Governance (2021-2022), dan Deputi Direktur SKTI (2022-2024).
Indonesian citizen, 57 years old as of December 2024, and domiciled in Jakarta. He has served as
Deputy Director of IT Service Delivery & Cyber Security since July 23, 2024. He obtained a Bachelor’s
degree in Engineering from Syiah Kuala University (1991), a Master’s degree in Business and Management
from Prasetya Mulia University (1996), and a Master’s degree in Information Management from George
Washington University (2002). Previously, he held various positions as the Coordinator of SKAI in the EDP
Audit Division (2001), Head of the EDP Audit Division (2007), Head of the Technology Audit Division (2008),
Special Staff to the Corporate Secretary (2012), Head of EDP Quality Assurance (2013), Head of IT Security
& QA (2016), Executive Officer for IT Security (2019-2020), Deputy Director of Digital Banking (2020-2021),
and Deputy Director of IT Governance (2021-2022), and Deputy Director of SKTI (2022-2024).
17. NINA NOVRIANA ANDRIANI Warga Negara Indonesia, berusia 47 tahun per Desember 2024 dan berdomisili di Jakarta.
Beliau menjabat sebagai Regional Head 1 sejak tanggal 23 Juli 2024. Beliau meraih gelar Sarjana
Regional Head 1
Teknik Industri dari Universitas Islam Yogyakarta (2001). Berkarier di Bank sebagai Teller (2001),
Customer Service (2004), Staff Sundries (2006), Account Officer (2011) Team Leader Marketing (2014),
PJS Pemimpin Cabang Mangga Dua Square (2016), PJS Executive Officer Cabang Mangga Dua Square
(2017), Executive Officer Cabang Mangga Dua Harco (2018), Executive Officer Cabang Menara Global
(2019), Branch Director Menara Global (2023) dan Branch Director Cabang Mangga Dua Harco (2023).
Indonesian citizen, 47 years old as of December 2024, and domiciled in Jakarta. She has served as
Regional Head 1 since July 23, 2024. She earned a Bachelor’s degree in Industrial Engineering from the
Islamic University of Yogyakarta (2001). Her career at the Bank began as a Teller (2001), followed by roles
as Customer Service (2004), Sundries Staff (2006), Account Officer (2011), Marketing Team Leader (2014),
Acting Branch Manager of Mangga Dua Square Branch (2016), Acting Executive Officer of Mangga Dua
Square Branch (2017), Executive Officer of Mangga Dua Harco Branch (2018), Executive Officer of Menara
Global Branch (2019), and Branch Director of Menara Global Branch (2023) and Mangga Dua Harco
Branch (2023).
18. LILY PANGESTU Warga Negara Indonesia, berusia 57 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Regional Head 2 sejak tanggal 10 Juli 2023. Beliau meraih gelar Sarjana Ekonomi
Regional Head 2
jurusan Akuntansi dari Universitas Trisakti Jakarta (1990) dan gelar Magister Manajemen dari Sekolah
Tinggi Manajemen PPM di Jakarta (2021). Sebelumnya, beliau berkarir di bidang perbankan dimulai dari
Marketing Officer SME di PT Bank Danamon Indonesia sejak (1992-2022) dengan jabatan terakhir sebagai
Secured Branch & Alternate Channel Head. Selanjutnya bergabung di Bank sejak tanggal 12 Januari 2023
sebagai Secretariat to Bureau (2023).
Indonesian citizen, 57 years old as of December 2024, and domiciled in Jakarta. She has served as Regional
Head 2 since July 10, 2023. She holds a Bachelor’s degree in Economics majoring in Accounting from
Trisakti University, Jakarta (1990), and a Master’s degree in Management from PPM School of Management,
Jakarta (2021). Previously, she pursued a career in the banking sector starting as a Marketing Officer for
SME at PT Bank Danamon Indonesia (1992–2022), with her last position being Secured Branch & Alternate
Channel Head. She later joined the Bank on January 12, 2023, as Secretariat to Bureau (2023).
2024 Annual Report PT Bank Artha Graha Internasional Tbk 113
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Nama dan Jabatan Keterangan
No
Name and Position Description
19. SELVY HUTOMO Warga Negara Indonesia, berusia 56 tahun per Desember 2024 dan berdomisili di Surabaya. Beliau
menjabat sebagai Regional Head 3 sejak tanggal 10 Juli 2023. Beliau meraih gelar Sarjana Hukum dari
Regional Head 3
Universitas Airlangga Surabaya (1992). Sebelumnya, beliau berkarier di Bank sebagai Koordinator Wilayah
dan Executive Officer (2006).
Indonesian citizen, 56 years old as of December 2024, and domiciled in Surabaya. She has served as
Regional Head 3 since July 10, 2023. She holds a Bachelor’s degree in Law from Airlangga University,
Surabaya (1992). Previously, she pursued a career at the Bank as Regional Coordinator and Executive
Officer (2006).
20. ITA IRIANI DWI KOESHARSANTI Warga Negara Indonesia, berusia 54 tahun per Desember 2024 dan berdomisili di Makassar. Beliau
menjabat sebagai Regional Head 4 sejak tanggal 23 Juli 2024. Beliau meraih gelar Sarjana Manajemen
Regional Head 4
dari Sekolah Tinggi Ilmu Managemen LPI Makassar (2010). Sebelumnya beliau berkarir sebagai Branch
Manager Area Sulawesi Selatan dan Sulawesi Barat di PT KB Bank Bukopin (1992).
Indonesian citizen, 54 years old as of December 2024, and domiciled in Makassar. She has served as
Regional Head 4 since July 23, 2024. She holds a Bachelor’s degree in Management from Sekolah Tinggi
Ilmu Manajemen LPI Makassar (2010). Previously, she pursued a career as Branch Manager for the South
Sulawesi and West Sulawesi Area at PT KB Bank Bukopin (1992).
21. FX TEGUH SURYANTO Warga Negara Indonesia, berusia 45 tahun per Desember 2024, berdomisili di Jakarta. Beliau menjabat
sebagai Deputy Director Asset Corporate & Commercial sejak tanggal 10 Juli 2023. Beliau meraih gelar
Deputy Director Asset Corp &
Sarjana Pertanian di Universitas Brawijaya Malang (2004) dan Magister Manajemen di Universitas
Commercial
Mercubuana Jakarta (2019). Sebelumnya, beliau berkarier di Bank sebagai Teller (2005), ODP III (2008),
Account Officer (2009), Team Leader Marketing (2011), Pimpinan Cabang (2013), Executive Officer Cabang
(2017), Staf Branch Banking (2017), Staf Direktorat Kredit Korporasi (2017), Pjs Executive Officer Restruktur
(2020), Executive Officer Remedial & Litigasi (2020), Pjs Deputi Direktur SAM & Remedial (2021), dan
Deputy Director Recovery & Restructure (2022-2023).
Indonesian citizen, 45 years old as of December 2024, and domiciled in Jakarta. He has served as
Deputy Director of Asset Corporate & Commercial since July 10, 2023. He earned a Bachelor’s degree in
Agriculture from Brawijaya University, Malang (2004), and a Master’s degree in Management from Mercu
Buana University, Jakarta (2019). Previously, he pursued a career at the Bank as a Teller (2005), ODP III
(2008), Account Officer (2009), Team Leader Marketing (2011), Branch Manager (2013), Executive Officer
at Branch (2017), Branch Banking Staff (2017), Corporate Credit Directorate Staff (2017), Acting Executive
Officer for Restructuring (2020), Executive Officer for Remedial & Litigation (2020), Acting Deputy Director
of SAM & Remedial (2021), and Deputy Director of Recovery & Restructure (2022–2023).
22. FX RONY LOMBOAN Warga Negara Indonesia, berusia 55 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
diangkat menjadi Deputy Director Asset Consumer & Retail sejak tanggal 4 Juni 2024. Beliau meraih gelar
Deputy Director Asset Consumer &
Sarjana Teknik Elektro Universitas Trisakti (1996). Sebelumnya berkarier di Bank sebagai Account Officer
Retail
Cabang Suryopranoto (1997), Team Leader Marketing Cabang Suryopranoto (2000), Pimpinan Cabang
Manado (2002), Staf Branch Banking (2005), Team Leader 2 Corporate Banking (2005), Kepala Bagian
Kredit (2008), Kepala Bagian Kredit Komersil & Korporasi (2012), Kepala Divisi Manajemen Risiko (2013),
Kepala Divisi Kredit Komersil & Korporasi (2014), Deputi Direktur Komersil & Korporasi (2017), Deputi
Direktur Bisnis 1 (2018-2020), Associate Director Kepatuhan & SKMR (2020-2021) dan Associate Director
Asset Recovery (2022-Juni 2024).
Indonesian citizen, 55 years old as of December 2024, and domiciled in Jakarta. He was appointed as
Deputy Director of Consumer & Retail Assets on June 4, 2024. He holds a Bachelor’s degree in Electrical
Engineering from Trisakti University (1996). He has previously held various positions at the Bank, including
Account Officer at Suryopranoto Branch (1997), Marketing Team Leader at Suryopranoto Branch (2000),
Branch Manager of Manado Branch (2002), Branch Banking Staff (2005), Team Leader 2 Corporate
Banking (2005), Head of Credit Division (2008), Head of Commercial & Corporate Credit Division (2012),
Head of Risk Management Division (2013), Head of Commercial & Corporate Credit Division (2014),
Deputy Director of Commercial & Corporate (2017), Deputy Director of Business 1 (2018–2020), Associate
Director of Compliance & Risk Management Implementation (2020–2021), and Associate Director of Asset
Recovery (2022–June 2024).
114 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
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Corporate Social Safety Responsibility
Nama dan Jabatan Keterangan
No
Name and Position Description
23. GHIFARI DAULAGIRI Warga Negara Indonesia, berusia 37 tahun per Desember 2024, berdomisili di Tangerang. Beliau
menjabat sebagai Deputy Director IT Product Development & Data sejak tanggal 23 Juli 2024. Beliau
Deputy Director IT Product
meraih gelar Sarjana Matematika dari Institut Teknologi Bandung (2010). Sebelumnya, beliau berkarier di
Development & Data
Standard Chartered Bank sebagai Global Retail Decision Systems Manager (2010-2018), dan Bukalapak
sebagai Head of Trust and Safety (2018-2022). Beliau berkarir di bank sebagai Sekretaris Direksi (2022),
Deputy Director Digital Insight & Acquisition (2022), dan Deputy Director Digital Insight (2022).
Indonesian citizen, 37 years old as of December 2024, and domiciled in Tangerang. He has served as
Deputy Director of IT Product Development & Data since July 23, 2024. He holds a Bachelor’s degree in
Mathematics from the Bandung Institute of Technology (2010). Previously, he worked at Standard Chartered
Bank as Global Retail Decision Systems Manager (2010–2018), and at Bukalapak as Head of Trust and
Safety (2018–2022). He began his career at the Bank as Board Secretary (2022), Deputy Director of Digital
Insight & Acquisition (2022), and Deputy Director of Digital Insight (2022).
24. HERU HELBIANTO Warga Negara Indonesia, berusia 50 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director Treasury & Fixed Income sejak tanggal 31 Desember 2023. Beliau
Deputy Director Treasury & Fixed
meraih gelar Sarjana Keuangan & Perbankan dari STIE Keuangan & Perbankan Indonesia Jakarta (1998)
Income
dan Magister Manajemen Keuangan dari Universitas Trisakti Jakarta (2000). Sebelumnya, beliau berkarier
sebagai Vice President - Group Head Treasury & Global Market di Bank CIMB Niaga (2010), Head of
Treasury Division di Bank of India (2016), General Manager di Post Energy Group (2018), dan Head of
Treasury di Bank KB Bukopin.
Indonesian citizen, 50 years old as of December 2024, and domiciled in Jakarta. He has served as Deputy
Director of Fixed Income since December 31, 2023. He holds a Bachelor’s degree in Finance and Banking
from STIE Keuangan & Perbankan Indonesia Jakarta (1998), and a Master’s degree in Financial Management
from Trisakti University Jakarta (2000). Previously, he held various positions including Vice President –
Group Head of Treasury & Global Market at Bank CIMB Niaga (2010), Head of Treasury Division at Bank
of India (2016), General Manager at Post Energy Group (2018), and Head of Treasury at Bank KB Bukopin.
25. ANGGA WICAKSANA Warga Negara Indonesia, berusia 37 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau menjabat
sebagai Deputy Director Financial Institution sejak tanggal 31 Desember 2023. Beliau meraih gelar Sarjana
Deputy Director Financial Institution
Ekonomi dari Universitas Islam Negeri Syarief Hidatullah Jakarta (2010) dan Magister Manajemen dari
Universitas Muhammadiyah (2014). Sebelumnya, beliau berkarier sebagai Assistant Supervisor di Bank
DKI (2010), Senior Dealer di PT Bank Resona Perdania (2018), PLT Kepala Divisi Treasury di PT Bank BPD
Banten (2019).
Indonesian citizen, 37 years old as of December 2024, and domiciled in Jakarta. He has served as Deputy
Director of Financial Institution since December 31, 2023. He holds a Bachelor’s degree in Economics
from Syarif Hidayatullah State Islamic University Jakarta (2010) and a Master’s degree in Management from
Muhammadiyah University (2014). Previously, he held positions including Assistant Supervisor at Bank DKI
(2010), Senior Dealer at PT Bank Resona Perdania (2018), and Acting Head of Treasury Division at PT Bank
BPD Banten (2019).
26. MENACHEM TODING ALLO Warga Negara Indonesia, berusia 43 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director IT Digital Service & Office Automation sejak tanggal 23 Juli 2024.
Deputy Director IT Digital Service &
Beliau meraih gelar Diploma-3 Teknik Telekomunikasi dari Teknik Elektro Politeknik Negeri Ujung Pandang
Office Automation
Makasar (2001) dan Sarjana Sistem Informatika dari STMIK Catur Sakti Kendari (2012). Sebelumnya,
beliau berkarier sebagai Business Representatif dan IT Support di Artajasa Pembayaran Elektronis (2002),
Senior Engineer di Bank BPD Sulawesi Tenggara (2005), Lead Consultant/Client Support di Indonesia
Structured Services (Silverlake Indonesia) (2013). Berkarier di Bank sebagai Executive Officer Management
SI & Vendor Management (2020), Executive Officer Userep & SKTI (2020), dan Executive Officer Core &
Payment (2022), dan Vice Deputy Director Core & Payment (2023).
Indonesian citizen, 43 years old as of December 2024, and domiciled in Jakarta. He has served as
Deputy Director of IT Digital Service & Office Automation since July 23, 2024. He earned a Diploma in
Telecommunication Engineering from the Department of Electrical Engineering, Ujung Pandang State
Polytechnic Makassar (2001), and a Bachelor’s degree in Information Systems from STMIK Catur Sakti
Kendari (2012). Previously, he worked as a Business Representative and IT Support at Artajasa Electronic
Payment (2002), Senior Engineer at Bank BPD Southeast Sulawesi (2005), and Lead Consultant/Client
Support at Indonesia Structured Services (Silverlake Indonesia) (2013). He continued his career at the Bank
as Executive Officer of IT Management & Vendor Management (2020), Executive Officer of Userep & SKTI
(2020), Executive Officer of Core & Payment (2022), and Vice Deputy Director of Core & Payment (2023).
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Nama dan Jabatan Keterangan
No
Name and Position Description
27. ISWADI PRYANALI LINARDO Warga Negara Indonesia, berusia 46 tahun per Desember 2024 dan berdomisili di Jakarta. Beliau
menjabat sebagai Deputy Director Program & Marketing sejak tanggal 23 Juli 2024. Beliau meraih gelar
Deputy Director Program & Marketing
Sarjana Desain Komunikasi Visual dari Universitas Bina Nusantara (2005). Sebelumnya beliau berkarir
sebagai Visual Communication Design & Promotion di MRA Media-Broadcast Div. (2004), Retail Marketing
di LG Electronic Indonesia (2008), Senior Marketing Communication Specialist di Toshiba Singapore Pte.
Ltd. (2010), Integrated Marketing Communication Assistant Manager di Samsung Electronics Indonesia
(2014), Retail Banking Marketing Communication Head di PT Bank Danamon Indonesia Tbk (2017), Head
Marketing Insight & Channel Strategy di PT Bank Maybank Indonesia Tbk (2019).
Indonesian citizen, 46 years old as of December 2024, and domiciled in Jakarta. He has served as
Deputy Director of Program & Marketing since July 23, 2024. He earned a Bachelor’s degree in Visual
Communication Design from Bina Nusantara University (2005). Previously, he held various positions
including Visual Communication Design & Promotion at MRA Media – Broadcast Division (2004), Retail
Marketing at LG Electronics Indonesia (2008), Senior Marketing Communication Specialist at Toshiba
Singapore Pte. Ltd. (2010), Integrated Marketing Communication Assistant Manager at Samsung Electronics
Indonesia (2014), Retail Banking Marketing Communication Head at PT Bank Danamon Indonesia Tbk
(2017), and Head of Marketing Insight & Channel Strategy at PT Bank Maybank Indonesia Tbk (2019).
116 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Corporate Social Safety Responsibility
DEMOGRAFI KARYAWAN
Employee Demographics
Jumlah Karyawan Bank Artha Graha Internasional pada akhir The total number of Employees at Bank Artha Graha
tahun 2024 tercatat sejumlah 1.279 orang, menurun jika Internasional as of the end of 2024 was recorded at 1,279, a
dibandingkan tahun sebelumnya yang sebanyak 1.463 orang. decrease compared to the previous year, which stood at 1,463
employees.
Jumlah Karyawan Bank Artha Graha Internasional 2022-2024
Number of Employees at Bank Artha Graha Internasional (2022-2024)
1.487
1.463
1.279
2024 2023 2022
Komposisi Karyawan Berdasarkan Jenis Kelamin
Employee Composition by Gender
2024 2023 2022
Jenis Kelamin
Gender Jumlah Jumlah Jumlah
% % %
Total Total Total
Pria
635 49,65 738 50,44 754 50,71
Male
Wanita
644 50,35 725 49,56 733 49,29
Female
Jumlah
1.279 100 1.463 100 1.487 100
Total
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Komposisi Karyawan Berdasarkan Status Kepegawaian
Employee Composition by Employment Status
2024 2023 2022
Status Kepegawaian
Employment Status Jumlah Jumlah Jumlah
% % %
Total Total Total
Karyawan Tetap
938 73,34 1.121 76,62 1.242 83,52
Permanent Employees
Karyawan Kontrak
341 26,66 342 23,38 245 16,48
Contract Employees
Jumlah
1.279 100 1.463 100 1.487 100
Total
Komposisi Karyawan Berdasarkan Rentang Usia
Employee Composition by Age Range
2024 2023 2022
Rentang Usia
Age Rage Jumlah Jumlah Jumlah
% % %
Total Total Total
18-24 Tahun 173 13,53 208 14,22 138 9,28
18-24 Years Old
25-45 Tahun 806 63,02 876 59,88 927 62,34
25-45 Years Old
46-50 Tahun 141 11,02 180 12,30 199 13,38
46-50 Years Old
>50 Tahun 159 12,43 199 13,60 223 15,00
>50 Years Old
Jumlah
1.279 100 1.463 100 1.487 100
Total
Komposisi Karyawan Berdasarkan Jenjang Pendidikan
Employee Composition by Education Level
2024 2023 2022
Jenjang Pendidikan
Education Level Jumlah Jumlah Jumlah
% % %
Total Total Total
S3 | Doctor’s degree 1 0,08 1 0,07 1 0,07
S2 | Master’s degree 48 3,75 45 3,08 51 3,43
S1 | Bachelor’s degree 1.011 79,05 1.109 75,80 1.082 72,76
D3 | Diploma 161 12,59 191 13,06 210 14,12
SMA atau Sederajat |
52 4,07 98 6,70 120 8,07
Senior High School or Equivalent
< SMA | < Senior High School 6 0,47 19 1,30 23 1,55
Jumlah
1.279 100 1.463 100 1.487 100
Total
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Corporate Social Safety Responsibility
Komposisi Karyawan Berdasarkan Level Organisasi
Employee Composition by Organizational Level
2024 2023 2022
Level Organisasi
Organizational Level Jumlah Jumlah Jumlah
% % %
Total Total Total
Senior Vice President 1 0,08 3 0,21 3 0,20
Vice President 13 1,02 8 0,55 6 0,40
Assistant Vice President 21 1,64 21 1,44 17 1,14
Senior Manager 14 1,09 8 0,55 10 0,67
Manager 24 1,88 26 1,78 29 1,95
Senior Assistant Manager 72 5,63 82 5,60 69 4,64
Assistant Manager 85 6,65 84 5,74 88 5,92
Junior Assistant Manager 129 10,09 138 9,43 145 9,75
First Officer 478 37,37 512 35,00 517 34,77
Staff 432 33,78 527 36,02 537 36,11
Non Staff 10 0,78 54 3,69 66 4,44
Jumlah
1.279 100 1.463 100 1.487 100
Total
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STRUKTUR DAN KOMPOSISI PEMEGANG SAHAM
Shareholder Structure and Composition
PT Cakra Inti Utama PT Cerana Arthaputra PT Arthamulia Sentosajaya Masyarakat | Public
14,38% 6,54% 4,15% 59,30%
PT Pirus Platinum Murni PT Puspita Bisnispuri PT Karya Nusantara Permai
6,73% 5,38% 3,52%
KOMPOSISI PEMEGANG SAHAM COMPOSITION OF SHAREHOLDERS
31 Desember 2024 1 Januari 2024
December 31, 2024 January 1, 2024
Persentase Persentase
Pemegang Saham Modal Ditempatkan Modal Ditempatkan
Jumlah Kepemilikan Jumlah Kepemilikan
Shareholders dan Disetor Penuh dan Disetor Penuh
Saham (%) Saham (%)
Total Shares (Rp) Total Shares (Rp)
Ownership Ownership
(shares) Issued and Paid (shares) Issued and Paid
Percentage Percentage
Capital (IDR) Capital (IDR)
(%) (%)
Nilai Nominal Saham = Rp110,88/lembar saham
Nominal Value of Shares = IDR110.88/share
Kepemilikan Saham 5% atau Lebih
Share Ownership of 5% or More
PT Cakra Inti Utama 2.908.909.842 322.539.923.280,96 14,38 2.908.909.842 322.539.923.280,96 14,38
PT Pirus Platinum Murni 1.361.238.977 150.934.177.769,76 6,73 1.361.238.977 150.934.177.769,76 6,73
PT Cerana Arthaputra 1.322.157.253 146.600.796.212,64 6,54 1.322.157.253 146.600.796.212,64 6,54
PT Puspita Bisnispuri 1.087.913.290 120.627.825.595,20 5,38 1.087.913.290 120.627.825.595,20 5,38
Kepemilikan Saham Kurang dari 5%
Share Ownership Less Than 5%
PT Arthamulia Sentosa Jaya 839.439.091 93.077.006.410,08 4,15 839.439.091 93.077.006.410,08 4,15
PT Karya Nusantara Permai 712.647.774 79.018.385.181,12 3,52 712.647.774 79.018.385.181,12 3,52
Masyarakat 11.991.106.680 1.329.573.908.678,40 59,30 11.991.106.680 1.329.573.908.678,40 59,30
Public
Jumlah
20.223.412.907 2.242.372.023.128,16 100 20.223.412.907 2.242.372.023.128,16 100
Total
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Corporate Social Safety Responsibility
Kepemilikan Saham oleh Dewan Komisaris dan Direksi
Share Ownership by Board of Commissioners and Directors
1 Januari 2024 31 Desember 2024
January 1, 2024 December 31, 2024
Pemegang Saham
Shareholders Persentase Persentase
Jumlah Saham Kepemilikan Jumlah Saham Kepemilikan
Total Shares Ownership Total Shares Ownership
Percentage (%) Percentage (%)
Sugianto Kusuma 450.450.450 2,227 450.450.450 2,227
Christina Harapan 845.500 0,004 845.500 0,004
Handoyo Soedirdja 500.000 0,002 9.000.000 0,040
Komposisi Pemegang Saham Berdasarkan Status Kepemilikan
Shareholder Composition Based on Ownership Status
Jumlah Saham Persentase
Status Kepemilikan Jumlah Investor (lembar saham) Kepemilikan (%)
Ownership Status Total Investor Total Shares Ownership
(number of shares) Percentage (%)
Pemodal Nasional
National Investors
Perorangan Indonesia
14.842 1.314.870.433 6,502
Indonesian Individual
Perseroan Terbatas
108 15.651.833.021 77,395
Limited Liability Company
Asuransi
7 5.332.241 0,026
Insurance
Yayasan
10 24.306 0,000
Foundation
Koperasi
- - 0,000
Cooperative
Danareksa
- - 0,000
Danareksa
Lain-Lain
2 401 0,000
Others
Sub-Jumlah
14.969 16.972.060.402 83,923
Sub-Total
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Performance Highlights Management Report Company Profile Management Discussion & Analysis
Komposisi Pemegang Saham Berdasarkan Status Kepemilikan
Shareholder Composition Based on Ownership Status
Jumlah Saham Persentase
Status Kepemilikan Jumlah Investor (lembar saham) Kepemilikan (%)
Ownership Status Total Investor Total Shares Ownership
(number of shares) Percentage (%)
Pemodal Asing
Foreign Investors
Perorangan Asing
39 695.888 0,003
Foreign Individuals
Badan Usaha Asing
44 3.250.656.617 16,074
Foreign Business Entities
Lain-Lain
- - 0,000
Others
Sub-Jumlah
83 3.251.352.505 16,077
Sub-Total
Jumlah
15.052 20.223.412.907 100,000
Total
PEMEGANG SAHAM UTAMA DAN PEMEGANG MAJOR AND CONTROLLING SHAREHOLDERS
SAHAM PENGENDALI
Pemegang Saham PT Pirus Platinum Murni, PT Cerana The shareholders of PT Pirus Platinum Murni, PT Cerana
Arthaputra, PT Puspita Bisnispuri, PT Arthamulia Sentosajaya, Arthaputra, PT Puspita Bisnispuri, PT Arthamulia Sentosajaya,
PT Karya Nusantara Permai adalah Bapak Tomy Winata and PT Karya Nusantara Permai are Mr. Tomy Winata and
dan Bapak Sugianto Kusuma, sehingga pemegang saham Mr. Sugianto Kusuma, accordingly, the ultimate controlling
pengendali terakhir Bank Artha Graha Internasional adalah shareholders of Bank Artha Graha Internasional are Mr. Tomy
Bapak Tomy Winata dan Bapak Sugianto Kusuma. Winata and Mr. Sugianto Kusuma.
ENTITAS ANAK DAN ENTITAS ASOSIASI SUBSIDIARIES AND ASSOCIATE ENTITIES
Bank Artha Graha Internasional tidak memiliki Entitas Anak, Until the end of 2024, Bank Artha Graha Internasional did not
Entitas Asosiasi, maupun Perusahaan Ventura hingga periode have any Subsidiaries, Associate Entities, or Venture Companies.
yang berakhir pada tanggal 31 Desember 2024.
STRUKTUR GRUP GROUP STRUCTURE
Bank Artha Graha Internasional tidak memiliki grup usaha Until the end of 2024, Bank Artha Graha Internasional did not
hingga periode yang berakhir pada tanggal 31 Desember 2024. have a business group.
122 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Corporate Social Safety Responsibility
KRONOLOGI PENERBITAN DAN/ATAU PENCATATAN SAHAM
Chronology of Share Issuance and/or Listing
Pada tanggal 10 Juli 1990, Bank memperoleh pernyataan On July 10, 1990, the Bank obtained an effective statement
efektif dari Ketua Badan Pengawas Pasar Modal (Bapepam) from the Chairman of the Capital Market Supervisory Agency
berdasarkan Surat No. SI-124/SHM/MK.10/1990 untuk (Bapepam) through Letter No. SI-124/SHM/MK.10/1990 to
melakukan Penawaran Umum Saham Perdana kepada conduct an Initial Public Offering of 5,000,000 shares with
masyarakat sejumlah 5.000.000 saham dengan nilai nominal a nominal value of IDR1,000 per share, representing 20% of
Rp1.000 per saham yang merupakan 20% dari modal yang the issued capital. On August 23, 1990, the shares were listed
ditempatkan. Pada tanggal 23 Agustus 1990, saham tersebut on both the Jakarta Stock Exchange and the Surabaya Stock
masing-masing dicatatkan pada Bursa Efek Jakarta dan Bursa Exchange. On April 19, 1999, the Surabaya Stock Exchange
Efek Surabaya. Pada tanggal 19 April 1999, Bursa Efek Surabaya approved the Bank’s request to delist its shares from the
menyetujui permohonan Bank untuk membatalkan pencatatan Surabaya Stock Exchange.
saham Bank di Bursa Efek Surabaya.
Pada tanggal 24 September 1999, Bank memperoleh On September 24, 1999, the Bank obtained an effective
pernyataan efektif dari Ketua Bapepam berdasarkan Surat statement from the Chairman of the Capital Market Supervisory
No. S-1761/PM/1999 untuk melakukan Penawaran Umum Agency (Bapepam) through Letter No. S-1761/PM/1999
Terbatas (PUT) I kepada para Pemegang Saham dalam rangka to conduct its First Limited Public Offering (PUT I) to the
penerbitan Hak Memesan Efek Terlebih dahulu (HMETD) Shareholders in connection with the issuance of Pre-emptive
sejumlah 9.625.000.000 saham seri B dengan nilai nominal Rights (HMETD) totaling 9,625,000,000 Series B shares with
Rp15 per saham dan harga penawaran Rp100 per saham. Pada a nominal value of IDR15 per share and an offering price of
tanggal 27 September 1999, saham tersebut telah dicatatkan IDR100 per share. On September 27, 1999, the shares were
pada Bursa Efek Jakarta. listed on the Jakarta Stock Exchange.
Pada tanggal 17 April 2007, Bank memperoleh pernyataan On April 17, 2007, the Bank obtained an effective statement from
efektif dari Ketua Badan Pengawas Pasar Modal dan Lembaga the Chairman of the Capital Market and Financial Institution
Keuangan (Bapepam dan LK) berdasarkan Surat No. S-1746/ Supervisory Agency (Bapepam-LK) through Letter No. S-1746/
BL/2007 untuk melakukan PUT II kepada para Pemegang BL/2007 to conduct its Second Limited Public Offering (PUT
Saham dalam rangka penerbitan HMETD sejumlah 840.007.286 II) to the Shareholders in connection with the issuance of Pre-
saham dengan nilai nominal Rp110,88 per saham dan harga emptive Rights (HMETD) totaling 840,007,286 shares with a
penawaran Rp115 per saham. Pada tanggal 2 Mei 2007, saham nominal value of IDR110.88 per share and an offering price of
tersebut telah dicatatkan pada Bursa Efek Indonesia. IDR115 per share. On May 2, 2007, the shares were listed on the
Indonesia Stock Exchange.
Pada tanggal 1 Desember 2008, Bank memperoleh efektif On December 1, 2008, the Bank obtained an effective statement
dari Ketua Bapepam dan LK berdasarkan Surat No. S-8684/ from the Chairman of the Capital Market and Financial Institution
BL/2008 untuk melakukan PUT III kepada para Pemegang Supervisory Agency (Bapepam-LK) through Letter No. S-8684/
Saham dalam rangka penerbitan HMETD sejumlah BL/2008 to conduct its Third Limited Public Offering (PUT III)
2.695.025.224 saham dengan nilai nominal Rp110,88 per to the Shareholders in connection with the issuance of Pre-
saham dan harga penawaran Rp111,00 per saham. Pada tanggal emptive Rights (HMETD) totaling 2,695,025,224 shares with a
7 Januari 2009, saham tersebut telah dicatatkan pada Bursa nominal value of IDR110.88 per share and an offering price of
Efek Indonesia. IDR111.00 per share. On January 7, 2009, the shares were listed
on the Indonesia Stock Exchange.
Pada tanggal 5 Desember 2012, Bank memperoleh pernyataan On December 5, 2012, the Bank obtained an effective statement
efektif dari Ketua Bapepam dan LK berdasarkan Surat No. from the Chairman of the Capital Market and Financial Institution
S-13878/BL/2012 untuk melakukan PUT IV kepada para Supervisory Agency (Bapepam-LK) through Letter No. S-13878/
Pemegang Saham dalam rangka penerbitan HMETD sejumlah BL/2012 to conduct its Fourth Limited Public Offering (PUT IV)
4.513.198.014 saham dengan nilai nominal sebesar Rp110,88 per to the Shareholders in connection with the issuance of Pre-
saham dan harga penawaran sebesar Rp111,00 per saham. Pada emptive Rights (HMETD) totaling 4,513,198,014 shares with a
tanggal 21 Desember 2012, saham tersebut telah dicatatkan nominal value of IDR110.88 per share and an offering price of
pada Bursa Efek Indonesia. IDR111.00 per share. On December 21, 2012, the shares were
listed on the Indonesia Stock Exchange.
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Pada tanggal 23 November 2016, Bank memperoleh pernyataan On November 23, 2016, the Bank obtained an effective
efektif dari Kepala Eksekutif Pengawas Pasar Modal Otoritas statement from the Executive Head of Capital Market Supervision
Jasa Keuangan berdasarkan Surat No. S-682/D.04/2016 untuk of the Financial Services Authority (OJK) through Letter No.
melakukan PUT V kepada para Pemegang Saham dalam rangka S-682/D.04/2016 to conduct its Fifth Limited Public Offering
penerbitan HMETD sejumlah 2.707.918.808 saham dengan nilai (PUT V) to the Shareholders in connection with the issuance
nominal sebesar Rp110,88 per saham dan harga penawaran of Pre-emptive Rights (HMETD) totaling 2,707,918,808 shares
sebesar Rp111,00 per saham. with a nominal value of IDR110.88 per share and an offering
price of IDR111.00 per share.
Bank secara bersamaan menerbitkan Waran Seri I sebanyak The Bank simultaneously issued Warrant Series I totaling
4.513.198.013 saham dimana 6 (enam) saham hasil pelaksanaan 4,513,198,013 warrants, whereby 10 (ten) Warrant Series I were
HMETD melekat 10 (sepuluh) Waran Seri I yang diberikan granted free of charge as an incentive for every 6 (six) shares
secara cuma-cuma sebagai insentif bagi pemegang HMETD resulting from the exercise of Pre-emptive Rights (HMETD)
yang melaksanakan haknya. Setiap 1 (satu) Waran Seri I dapat exercised by shareholders. Each Warrant Series I entitles its
digunakan oleh pemegangnya untuk membeli 1 (satu) saham holder to purchase 1 (one) new share of the Company at the
baru Perseroan dengan membayar harga yang sama dengan same price as the HMETD exercise price, which is IDR111.00
harga pelaksanaan HMETD yakni Rp111,00 (seratus sebelas (one hundred eleven rupiah) per share, during the exercise
rupiah) per saham dalam periode pelaksanaan yakni 19 Juni period from June 19, 2017, to December 7, 2021.
2017 sampai dengan 7 Desember 2021.
Pelaksanaan Waran Seri I sampai dengan 7 Desember 2021 The exercise of Warrant Series I up to December 7, 2021,
sebanyak 4.427.219.858 saham, sehingga Waran Seri I yang amounted to 4,427,219,858 shares, leaving 85,978,155 Warrant
tidak dilaksanakan sebanyak 85.978.155 saham. Berikut adalah Series I unexercised. The following is a chronology of the Bank’s
kronologis jumlah saham Bank yang ditempatkan dan disetor issued and fully paid-up shares, as well as the shares listed on
penuh serta saham yang dicatatkan pada Bursa Efek Indonesia the Indonesia Stock Exchange, from the Initial Public Offering
sejak Penawaran Umum Saham Perdana sampai dengan up to December 31, 2024:
tanggal 31 Desember 2024:
Jumlah Saham Jumlah Saham Beredar
Tanggal Jenis Tindakan Korporasi Nilai Nominal (lembar saham) (lembar saham)
Date Type of Corporate Actions Nominal Value Total Shares Total Shares
(shares) Outstanding (shares)
23 Agustus 1990 Pencatatan Perdana 1.000 5.000.000 5.000.000
August 23, 1990 Initial Public Offering
9 Oktober 1990 Pencatatan Parsial 1.000 1.500.000 6.500.000
October 9, 1990 Partial Listing
4 Agustus 1993 Pencatatan Parsial 1.000 3.042.800 9.542.800
August 4, 1993 Partial Listing
19 November 1993 Saham Bonus 1.000 9.542.800 19.085.600
November 19, 1993 Bonus Shares
21 Juli 1997 Pencatatan Parsial 1.000 15.914.400 35.000.000
July 21, 1997 Partial Listing
5 Juli 1998 Saham Bonus 1.000 8.750.000 43.750.000
July 5, 1998 Bonus Shares
27 September 1999 Penawaran Umum Terbatas I 15 6.737.500.000 6.781.250.000
September 27, 1999 Limited Public Offering I
1 September 2000 Partial Delisting (1,00%) 15 (96.875.000) 6.684.375.000
September 1, 2000 Partial Delisting (1.00%)
124 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Jumlah Saham Jumlah Saham Beredar
Tanggal Jenis Tindakan Korporasi Nilai Nominal (lembar saham) (lembar saham)
Date Type of Corporate Actions Nominal Value Total Shares Total Shares
(shares) Outstanding (shares)
5 Januari 2001 Pencatatan Saham Pendiri 15 2.906.250.000 9.590.625.000
January 5, 2001 Founder’s Share Listing
13 Juli 2005 Merger dengan PT Bank Artha Graha 18,48 20.347.234.677 29.937.859.677
July 13, 2005 Merger with PT Bank Artha Graha
5 Januari 2007 Pencatatan Saham Tambahan 18,48 2 29.937.859.679
January 5, 2007 Additional Share Listing
10 Januari 2007 110,88 (24.948.216.399) 4.989.643.280
Reverse Stock 6:1
January 10, 2007
2 Mei 2007 Penawaran Umum Terbatas II 110,88 840.007.286 5.829.650.566
May 2, 2007 Limited Public Offering II
29 Mei 2007 Partial Delisting (1,00%) 110,88 (8.400.073) 5.821.250.493
May 29, 2007 Partial Delisting (1.00%)
7 Januari 2009 Penawaran Umum Terbatas III 110,88 2.695.025.224 8.516.275.717
January 7, 2009 Limited Public Offering III
7 Januari 2009 Partial Delisting (1,00%) 110,88 (26.950.252) 8.489.325.465
January 7, 2009 Partial Delisting (1.00%)
21 Desember 2016 Penawaran Umum Terbatas IV 110,88 4.513.198.014 13.002.523.479
December 21, 2016 Limited Public Offering IV
21 Desember 2016 Partial Delisting (1,00%) 110,88 (45.131.980) 12.957.391.499
December 21, 2016 Partial Delisting (1.00%)
21 Desember 2016 Penawaran Umum Terbatas V 110,88 2.707.918.808 15.665.310.307
December 21, 2016 Limited Public Offering V
21 Desember 2016 Partial Delisting (1,00%) 110,88 (27.079.189) 15.638.231.118
December 21, 2016 Partial Delisting (1.00%)
10 Desember 2021 Pelaksanaan Waran Seri I 110,88 4.427.219.858 20.065.450.976
December 10, 2021 Series I Warrant Exercise
10 Desember 2021 Partial Delisting (1,00%) 110,88 (44.272.199) 20.021.178.777
December 10, 2021 Partial Delisting (1.00%)
Seluruh pelaksanaan penawaran umum Bank Artha Graha Internasional dilaksanakan oleh Bursa Efek Indonesia.
The entire implementation of the public offering of Bank Artha Graha Internasional shares was carried out by the Indonesia Stock Exchange.
KRONOLOGI PENERBITAN DAN/ATAU CHRONOLOGY OF ISSUANCE AND/OR LISTING
PENCATATAN EFEK LAINNYA OF OTHER SECURITIES
Bank Artha Graha Internasional tidak menyajikan informasi Bank Artha Graha Internasional does not present information
terkait kronologi penerbitan obligasi, sukuk atau obligasi related to the chronology of issuance of bonds, sukuk or
konversi karena untuk periode yang berakhir pada tanggal 31 convertible bonds because for the period ended December
Desember 2024, Bank tidak menerbitkan dan mencatatkan 31, 2024, the Bank did not issue and list bonds, sukuk or
obligasi, sukuk atau obligasi konversi. convertible bonds.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 125
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Performance Highlights Management Report Company Profile Management Discussion & Analysis
LEMBAGA DAN/ATAU PROFESI PENUNJANG PASAR MODAL
Capital Market Supporting Institutions and/or Professions
KANTOR AKUNTAN PUBLIK
PUBLIC ACCOUNTING FIRM
Nama
Kantor Akuntan Publik Kanaka Puradiredja, Suhartono
Name
Jaringan Asosiasi
Nexia Internasional
Association Network
Nama Akuntan Publik
Ahmad Nadhif Thoyyibin, S.E., Ak., S.H., M.Ak., CA., CPA., ASEAN CPA
Name of Public Accountant
Alamat Wisma Bumiputera Lantai 12 | 12th Floor
Address Jl. Jenderal Sudirman Kav. 75, Setiabudi, Jakarta Pusat 12910
(021) 522 4581, 522 4582
Jasa yang Diberikan Audit Laporan Keuangan Financial
Services Provided Financial Statement Audit
Periode Penugasan
2024
Assignment Period
BIRO ADMINISTRASI EFEK
Securities Administration Bureau
Nama
PT Raya Saham Registra
Name
Alamat Plaza Sentral Lantai 2 | Plaza Sentral 2nd Floor
Address Jl. Jenderal Sudirman Kav. 47-48, Jakarta 12930
(021) 252 5666, 252 5028
Jasa yang Diberikan Pencatatan Saham
Services Provided Share Listing
Periode Penugasan
2024
Assignment Period
NOTARIS
Notary
Nama
Christina Susanto, S.H., M.Kn
Name
Alamat Gedung Bursa Efek Indonesia Tower 1, Lantai 15, Suite 1510 | Tower 1, 15th Floor, Suite 1510
Address Jl. Jend. Sudirman Kav. 52-53, Jakarta Selatan 12190
Tlp: 085101299299 | Hp: 0811853000
Jasa yang Diberikan Penyusunan Akta-Akta
Services Provided Preparation of Deeds
Periode Penugasan
2024
Assignment Period
126 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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PENCATATAN SAHAM
Share Listing
Nama
PT Bursa Efek Indonesia
Name
Alamat Gedung Bursa Efek Indonesia, Menara 1
Address Jl. Jenderal Sudirman Kav. 52-53, Jakarta 12190
(021) 515 0515, 515 0330
Jasa yang Diberikan Jasa Pencatatan Saham di Bursa
Services Provided Share Listing Services at the Stock Exchange
Periode Penugasan
2024
Assignment Period
WEBSITE BANK BANK’S WEBSITE
Sebagaimana telah diatur dalam Peraturan Otoritas Jasa As stipulated in the Financial Services Authority Regulation No.
Keuangan No. 8/POJK.04/2015 tentang Situs Web Perusahaan 8/POJK.04/2015 on the Website of Public Companies and
Publik dan Emiten, Bank Artha Graha Internasional telah Issuers, Bank Artha Graha Internasional has a website with the
memiliki website yang beralamat www.arthagraha.com. address www.arthagraha.com.
Website dipergunakan sebagai alat untuk mempromosikan The website is used as a tool to promote products or services
produk atau jasa yang ditawarkan oleh Bank, dengan desain offered by the Bank, with an attractive presentation design,
penyajian yang menarik, tampil dalam dua bahasa yaitu bahasa displayed in two languages, namely English and Indonesian.
Inggris dan bahasa Indonesia. Website Bank disertai sistem The Bank’s website is accompanied by a simple navigation
navigasi yang simpel sehingga memudahkan pengunjungnya system that makes it easier for visitors to find information. The
dalam mencari informasi. Data dan informasi yang ditampilkan data and information displayed is always updated regularly or
senantiasa diperbaharui secara berkala atau setiap kali ada whenever there are changes, in addition to fulfilling regulatory
perubahan, selain untuk memenuhi ketentuan peraturan juga requirements as well as implementing one of the GCG
menerapkan salah satu prinsip GCG yaitu keterbukaan. principles, namely transparency.
Pada website Bank, terdapat beberapa kanal utama, antara lain: On the Bank’s website, there are several main channels, among
others:
1. Beranda; 1. Home;
2. Tentang BAGI; 2. About BAGI;
3. Produk dan Layanan; 3. Products and Services;
4. Hubungan Investor; 4. Investor Relations;
5. Berita; 5. News;
6. Karier; dan 6. Careers; and
7. Hubungi Kami. 7. Contact Us.
Dengan tersedianya situs web Bank sebagai sarana keterbukaan With the availability of the Bank’s website as a means of
informasi tentang Bank, diharapkan akan meningkatkan disclosing information about the Bank, it is hoped that it will
kepercayaan masyarakat luas dan Pemegang Saham. increase the trust of the wider community and Shareholders.
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Performance Highlights Management Report Company Profile Management Discussion & Analysis
ALAMAT KANTOR CABANG & KANTOR CABANG PEMBANTU
Address of Branch Offices & Sub-Branch Offices
Kantor Cabang
Branch Office
Nama Kantor Alamat Nama Kantor Alamat
Office Name Address Office Name Address
Gedung Artha Graha Komplek Rukan Artha Gading Niaga
Kawasan Niaga Terpadu Sudirman Jl. Boulevard Artha Gading Blok A
KC - KPO Sudirman + 2 ATM KC - Artha Gading + ATM
Jl. Jenderal Sudirman Kav. 52-53 No. 1, 2, 3, 19, 20, 21, Jakarta Utara
Jakarta Selatan, DKI Jakarta 12190 DKI Jakarta 14240
Jl. Matraman Raya No. 38 Jl. Pangeran Jayakarta No. 115
KC - Matraman + ATM KC - Pangeran Jayakarta + ATM
Jakarta Timur, DKI Jakarta 13150 Jakarta Pusat, DKI Jakarta 10730
Jl. Melawai Raya Blok B III No. 194 Jl. Suryopranoto No. 1-9
KC - Melawai + ATM KC - Suryopranoto + ATM
Jakarta Selatan, DKI Jakarta 12160 Jakarta Pusat, DKI Jakarta 10160
Jl. Siliwangi No. 2, RT. 001, RW. 011
Jl. Laksmana Malahayati E/161
KC - Bogor + ATM Bondongan, Bogor Selatan, Bogor KC - Lampung + ATM
Teluk Betung, Bandar Lampung 35224
Jawa Barat | West Java 16131
Jl. Lambung Mangkurat No. 54
Jl. Asia Afrika No. 123 A
Kertak Baru Ilir
KC - Bandung Asia Afrika + ATM Bandung, Jawa Barat | West Java KC - Banjarmasin + ATM
Banjarmasin Tengah, Kalimantan Selatan |
40112
South Kalimantan 70111
Jl. Marsma R. Iswahyudi No. 28 F & G
Jl. RA Kartini No. 3, Kejaksaan, Cirebon
KC - Cirebon Kartini + ATM KC - Balikpapan + ATM Sungai Nangka, Balikpapan Selatan
Jawa Barat | West Java 45123
Kalimantan Timur | East Kalimantan 76114
KC - Semarang Pandanaran + Jl. Pandanaran No. 103, Semarang Jl. Karet No. 64, Surabaya
KC - Surabaya Karet + ATM
ATM Jawa Tengah | Central Java 50243 Jawa Timur | East Java 60161
Kompleks Pertokoan
Jl. Brigjen Slamet Riyadi No. 202
Diponegoro Megah
KC - Solo + ATM Timuran Banjarsari, Solo KC - Bali Diponegoro + ATM
Jl. Diponegoro 100 Blok B 18-20
Jawa Tengah | Central Java 57131
Denpasar, Bali 80113
Jl. Jend. Sudirman RT. 008, RW.002
Jl. Pemuda No. 3, Medan Kuanino, Kotaraja, Kupang
KC - Medan Pemuda + 2 ATM KC - Kupang + ATM
Sumatra Utara | North Sumatra 20151 Nusa Tenggara Timur | East Nusa Tenggara
85111
Jl. H. Abdullah Silondae No. 83
Jl. Raden Patah No. 70, Nagoya, Batam Korumba, Mandonga, Kendari
KC - Batam + ATM KC - Kendari + 2 ATM
Kepulauan Riau | Riau Island 29444 Sulawesi Tenggara | South East Sulawesi
93114
Jl. Riau No. 19C, Air Hitam, Payung Jl. Jendral Ahmad Yani No. 35 ABCD
KC - Makassar Ahmad Yani +
KC - Pekanbaru + 2 ATM Sekaki, Pekanbaru Makassar, Sulawesi Selatan |
ATM
Riau | Riau Island 28296 South Sulawesi 90174
Komp. Ruko KUSUKA
Komplek Ruko Taman Mandiri
Jl. Raya Industri Cikarang, Cibarusah
Blok A3 - A4
KC - Palembang + ATM KC - Cikarang + ATM No. 78 Blok I/M & I/L, Sukaresmi
Jl. Kapten A. Rivai, Palembang
Cikarang Selatan, Bekasi
Sumatra Selatan | South Sumatra 30116
Jawa Barat | West Java 17530
Jl. Pahlawan Revolusi No. 50
Jl. Hayam Wuruk No. 162 AB
KC - Jambi + ATM KC - Ternate + ATM Gamalama, Ternate
Talang Jauh, Jelutung, Jambi 36133
Maluku Utara | North Maluku 97721
Komplek Bangka Square
Jl. Soekarno Hatta (Raya KOBA)
KC - Manado Sam Ratulangi Jl. Sam Ratulangi No. 3, Manado
KC - Pangkal Pinang + ATM KM 5 No. 1, Dul Pangkalan Baru
+ ATM Sulawesi Utara | North Sulawesi 95111
Bangka Tengah, Pangkal Pinang
Bangka Belitung 33684
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Kantor Cabang
Branch Office
Nama Kantor Alamat Nama Kantor Alamat
Office Name Address Office Name Address
Jl. Sultan Abdurrahman No. C5-6, Parit Jl. Ir. Soekarno No. 78
KC - Pontianak + ATM Tokaya, Pontianak Selatan, Kalimantan KC - Bitung + ATM Bitung Timur, Bitung
Barat | West Kalimantan 78121 Sulawesi Utara | North Sulawesi 95522
Ruko Permata Kaltim
Jl. Pahlawan No. 20-22 Samarinda Jl. Diponegoro SK III/33 Ahusen
KC - Samarinda + ATM KC - Diponegoro, Ambon + ATM
Kalimantan Timur | East Kalimantan Sirimau Ambon, Maluku 97127
75123
Kantor Cabang Pembantu
Sub-Branch Office
Nama Kantor Alamat Nama Kantor Alamat
Office Name Address Office Name Address
Jl. Bintaro Utama III A Blok A No. 12
Jl. Kwitang Raya No. 24-26
KCP - Kwitang + ATM KCP - Bintaro + ATM Bintaro Jaya Sektor III A, Pondok Aren
Jakarta Pusat, DKI Jakarta 10420
Tangerang Selatan, Banten 15225
Gedung Yayasan Buddha Gedung Menara Global
Tzu Chi Indonesia Jl. Jenderal Gatot Subroto
KCP - Tzu Chi + ATM Jl. Boulevard Raya No. 15 KCP - Menara Global + 2 ATM Kav. 27, GF Suite B, Kuningan Timur
Pantai Indah Kapuk, Jakarta Utara Setiabudi, Jakarta Selatan
DKI Jakarta 14460 DKI Jakarta 12950
ASG Headquarter, GF 01 Unit D
Jl. Pantai Indah Barat No. 1
KCP - Pantai Indah Kapuk + 2 Jl. Pantai Indah Kapuk Boulevard KCP - Kantor Pemasaran Bukit
Pantai Indah Kapuk Jakarta Utara
ATM Kamal Muara, Penjaringan Golf Mediterania
DKI Jakarta 14470
Jakarta Utara, DKI Jakarta 14470
Komplek Mangga Dua Plaza
Jl. Cinere Raya Blok M No. 82
KCP - Mangga Dua Harco + Blok B No. 1
KCP - Cinere + ATM Cinere Limo, Sawangan, Depok
ATM Jl. Mangga Dua Raya
Jawa Barat | West Java 16514
Jakarta Pusat, DKI Jakarta 10730
Jl. Sunter Agung Utara Raya
Jl. Raya Cipanas KM 81,2
Komplek BAP Blok A 36D No. 55
KCP - Sunter + ATM KCP - Cipanas + ATM Lobby Palace Hotel Cipanas, Cianjur
Sunter Agung Podomoro
Jawa Barat | West Java 43252
Jakarta Utara, DKI Jakarta 14350
Gedung BEI Tower 1
Jl. Mangga Raya Unit 21 A No. 7 Greenville,
KCP - Bursa Efek Indonesia (BEI) Lt. Dasar Unit GF 13
KCP - Greenville + ATM Jakarta Barat
+ 2 ATM Jl. Jenderal Sudirman Kav. 52-53
DKI Jakarta 11510
Jakarta Selatan, DKI Jakarta 12190
Commercial Building
Komplek Ruko Tekstil Tanah Abang The Wiladatika Residence Lt. 1
Bukit Blok D 36 No. 20 Jl. Raya Lapangan Tembak
KCP - Tanah Abang + ATM KCP - Wiladatika + ATM
Jl. K.H. Fachrudin, Tanah Abang RT. 003, RW. 010, Kelapa Dua Wetan
Jakarta Pusat, DKI Jakarta 10250 Ciracas, Cibubur, Jakarta Timur
DKI Jakarta 13730
Lt. Lower Ground Mall of Indonesia Jl. Kopi No. 2
KCP - Mall of Indonesia Jl. Boulevard Barat Raya Kelapa Gading KCP - Kopi + ATM Jakarta Barat
Jakarta Utara, DKI Jakarta 14240 DKI Jakarta 11230
Komplek Ruko Sentra Niaga Puri Indah
Jl. Lapangan Banteng Selatan No. 1 Jl. Puri Indah Raya Blok T6 No. 25
KCP - Hotel Borobudur + 3 ATM KCP - Puri Indah + ATM
Jakarta Pusat, DKI Jakarta 10710 Kembangan Selatan
Jakarta Barat, DKI Jakarta 11610
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Kantor Cabang Pembantu
Sub-Branch Office
Nama Kantor Alamat Nama Kantor Alamat
Office Name Address Office Name Address
Lt. Dasar Club House Gedung Electronic City
The Villas Kelapa Gading Square Jl. Raya Bekasi KM. 26 No. 29
KCP - The Villas KCP - Ujung Menteng + ATM
Jl. Boulevard Barat Raya RT. 006, RW. 002, Ujung Menteng
Kelapa Gading, Jakarta Utara 14240 Cakung, Jakarta Timur, DKI Jakarta 13960
Komp Ruko Alexandrite Blok ALX 3/11
Jl. Mangga Besar Raya No. 104 Jakarta
KCP - Gading Serpong + ATM Jl. Boulevard Raya, Gading Serpong KCP - Mangga Besar + ATM
Pusat, DKI Jakarta 10740
Tangerang, Banten 15180
Jl. HOS Cokroaminoto No. 40
KCP - Bandung Raya Sudirman Jl. Jenderal Sudirman No. 57 Bandung,
KCP - Cokroaminoto + ATM Menteng, Jakarta Pusat
+ ATM Jawa Barat | West Java 40241
DKI Jakarta 10350
Komplek Perumahan
Komplek Cemara Asri
Taman Palem Lestari
KCP - Medan Cemara Asri + Jl. Cemara Boulevard Blok H1
KCP - Taman Palem + ATM Jl. Boulevard Blok D1 No. 19
2 ATM No. 111-111A, Medan
Cengkareng Barat, Cengkareng
Sumatra Utara | North Sumatra 20371
Jakarta Barat, DKI Jakarta 11790
Gedung Pusat Grosir Pasar Pagi
Komplek Pertokoan Discovery
KCP - Mangga Dua Pasar Pagi Mangga Dua Lt. 3 Blok D No. 1A
KCP - Bali Kuta + ATM Shopping Mall Blok A1, A2, A3
+ ATM Jl. Arteri Mangga Dua Raya
Jl. Kartika Plaza, Kuta, Bali 80361
Jakarta Utara, DKI Jakarta 14430
Komplek Perumahan
Jl. Jend. Sudirman, Ohoi Langgur
Batununggal No. 30
KCP - Sekolah Santo Aloysius KCP – Langgur + ATM Kei Kecil, Maluku Tenggara
Jl. Soekarno Hatta, Bandung
Maluku 97611
Jawa Barat | West Java
Jl. Jend Ahmad Yani No. 88 Pertokoan Surya Inti I Blok. B-6
KCP – Surabaya HR
KCP - Karawang + ATM Nagasari, Karawang Barat Jl. H.R. Muhammad Pradah Kalikendal
Muhammad + ATM
Jawa Barat | West Java 41312 Surabaya, Jawa Timur | East Java 60189
Perumahan Subang Green City
Jl. BKR No. 52 A-B
Ruko Entrance No. 1-2
KCP - Bandung BKR + ATM Pasirluyu, Regol, Bandung KCP – Subang + 2 ATM
Jl. Raya Cinangsi Cibogo
Jawa Barat | West Java 40254
Subang, Jawa Barat | West Java 41285
ATM Off Premises
ATM Off Premises
Nama ATM Alamat Nama ATM Alamat
ATM Name Address ATM Name Address
Discovery Kartika Plaza Hotel Lobby Discovery Kartika Plaza Hotel Kuta JL. H.S. Ronggowaluyo
(DKPH) Kuta Bali Universitas Buana Perjuangan
Jl. Kartika Plaza Telukjambe Timur, Karawang
(UBP) Karawang
(2 ATM) Kuta, Bali 80361 Jawa Barat | West Java 41361
Jl. Gatot Subroto No. 288, Medan PT CCH Indonesia 1 & 2 Jl. Desa Giri Asih No. 16, Bandung
Brastagi Supermarket
Sumatra Utara | North Sumatra 20118 (2 ATM) Jawa Barat | West Java 40154
Jl. Cut Mutia No. 1, Madras Hulu Jl. Gorda KM. 4 No. 20
Brastagi Tiara Convention Medan Polonia, Medan PT Baja Perkasa Sentosa Cikande, Maja Julang, Kibin, Serang
Sumatra Utara | North Sumatra 20152 Banten 42186
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ATM Off Premises
ATM Off Premises
Nama ATM Alamat Nama ATM Alamat
ATM Name Address ATM Name Address
Gedung YLPI
Jl. Cemara No. 53
Gedung YLPI Pesantren Buntet Pesantren Desa Mertapada Kulon
Brastagi Cemara Asri Pulo Brayan Darat II, Medan
ke -2 Astanajapura, Cirebon
Sumatra Utara | North Sumatra 20373
Jawa Barat | West Java 45181
Perkebunan Marketing Galery Cimanggis
Mitra Aneka Rezeki 1 & 3 Jl. Lingkar Pendamar Sungai Deras Golf Estate
Kubu, Kubu Raya, Pontianak Cimanggis Golf Estate Jl. Cimanggis Boulevard, Tapos Depok
(2 ATM) Kalimantan Barat | West Kalimantan Jawa Barat | West Java 16457
78383
PT MAR Distrik Kebun Kampung Estate Kawasan Industri Newton Techno Park
(KKBE) Jl. Jati 1 Blok J5 No. 05
Jl. Lingkar Ambawang PT Yuzu Indonesia Lippo Cikarang, Jawa Barat | West Java
Mitra Aneka Rezeki 2
Desa Sungai, Teluk Pakedai, Kubu Raya 17550
Pontianak, Kalimantan Barat | West
Kalimantan 78391
Pabrik Kelapa Sawit Jl. Trans Heksa Karawang Ciketing II
Dusun Parit Sembilan, Natai Raja Artha Industrial Hill (AIH) Wanakerta, Telukjambe Barat
Mitra Aneka Rezeki 4
Pontianak, Kalimantan Barat | West Karawang, Jawa Barat | West Java
Kalimantan 78384 41361
Jl. Saranani, Korumba, Mandonga Jl. Raya Cipanas No. 416
Hollywood Square Kendari, Sulawesi Tenggara | South East Roti Okeke Cipanas Cipendawa, Pacet, Cianjur
Sulawesi 93111 Jawa Barat | West Java 43253
Komersial Bisnis District Blok B7/D01 PP 28 Jl. Pasir Putih Raya No. 28
Electronic City Bintaro Jl. Boulevard Bintaro Jaya Ancol, Pademangan, Jakarta Utara
Tangerang Selatan, Banten 15227 DKI Jakarta 14430
PT Bakti Artha Reksa Sejahtera
SGA Sunter Jl. Agung Timur IX, Blok N1 No. 1A
Jl. Raya Bojonegoro KM. 7
Angel Product RT. 09, RW. 11, Sunter Jaya
Bojonegoro, Serang, Banten 42454
Tanjung Priok
Jakarta Utara, DKI Jakarta 14310
ATM Center Depok Fantasi Water Park Jl. Boulevard Artha Gading Selatan No. 1
Perumahan Grand Depok City Lantai 2F/B1/018-019/B/003
Grand Depok City Mall Artha Gading 2
Jl. Kartini Sukmajaya, Depok Kelapa Gading Barat, Kelapa Gading
Jawa Barat | West Java 16418 Jakarta Utara, DKI Jakarta 14240
Booth ATM Information Hall Supermarket Cipta Puri Indah
Jl. Raya Cileungsi Jonggol KM. 3 Komplek Pasar Cipta Puri, Blok GG
Taman Buah Mekarsari Cileungsi Tiban Batam
Cileungsi, Bogor, Jawa Barat | West Java No. 11-16, Tiban Baru, Sekupang
16830 Batam 29424
ATM Gallery Lantai Lower Ground
Sentral Pasar Raya (SPR) Plaza Sentral Pasar Raya (SPR) Plaza
PT Karawang Prima Sejahtera Jl. Raya Badami Kampung Kereteg
1&2 Jl. Prof. M. Yamin
Steel Karawang RT. 01, RW. 01
(ex Terminal Goan Hoat)
Taman Mekar, Pangkalan, Karawang (2 ATM)
RT. 01, RW. 04, Kampung Jao
Jawa Barat | West Java 41314
Padang Barat, Padang
Sumatra Barat | West Sumatra 25116
District 8 SCBD (Lot 13) Masjid Istiqlal, Jakarta Pusat
Jl. Jenderal Sudirman Kav. 52-53 DKI Jakarta 10710
Gedung Revenue Tower Masjid Istiqlal - Jakarta
Jakarta Selatan
DKI Jakarta 12190
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ATM Off Premises
ATM Off Premises
Nama ATM Alamat Nama ATM Alamat
ATM Name Address ATM Name Address
Buntet Mart Gedung Pacific Place
Jl. Komplek AKPER Jl. Jenderal Sudirman Kav. 52-53
Pesantren Buntet Pondok Buntet Pesantren, Mertapada Pacific Place SCBD - Jakarta Senayan, Kebayoran Baru
Kulon, Astanajapura, Cirebon Jakarta Selatan, DKI Jakarta 12190
Jawa Barat | West Java 45181
Galery ATM
Gedung Electronic City Jl. Soekarno Hatta No. 638
Electronic City Sudirman Kawasan Niaga Terpadu Sudirman Metro Penthouse Bandung Sekejati, Buah Batu, Bandung
Jl. Jenderal Sudirman Kav. 52-53 Jawa Barat | West Java 40286
DKI Jakarta 12190
SCBD
Jl. Raya Tenaru
Jl. Jenderal Sudirman Kav. 52-53 Rama Emerald Multi Sukses -
Gedung Artha Graha B1 Wates Cangkir, Driyorejo, Gresik
Jakarta Selatan Surabaya
Jawa Timur | East Java 61177
DKI Jakarta 12190
Jl. Jenderal Sudirman Kav. 52-53 Bodega Bali Beruntung
Tower A Lot 18 SCBD Lot. 18 Tower A, Perkantoran SCBD Bali - Grandlucky Sunset Road Jl. Sunset Road No. 29 Kuta
DKI Jakarta 12190 Badung, Bali 80361
Mall Artha Gading
Jl. Bypass Ngurahrai No. 240
ATM Center Lantai Dasar
Mall Artha Gading I Bali - Grandlucky Sanur Sanur, Denpasar Selatan
Jl. Boulevard Artha Gading
Denpasar, Bali 80228
Jakarta Utara, DKI Jakarta 14240
Jl. Lodan Timur No. 7 Jl. Jamin Ginting KM. 45
Discovery Hotel & Convention
Taman Impian Jaya Ancol, Jakarta Utara Hill Park Sibolangit Medan Sibolangit, Deli Serdang, Medan
Center
DKI Jakarta 14430 Sumatra Utara | North Sumatra 20151
Fresh Market - Bukit Golf ATM Center Rumah Sakit Bunda
ATM Center - Fresh Market
Mediterania Rumah Sakit Bunda Thamrin - Thamrin
Jl. Pantai Indah Kapuk Boulevard
Medan Pemuda Jalan Sri Batanghari, Medan
Jakarta Utara, DKI Jakarta 14430
Sumatra Utara | North Sumatra 20112
Jl. Raya Pantai Indah Kapuk Kawasan Pantai Maju
Sport Club PIK FIT Bukit Golf Mediterania Jl. Golf Island Boulevard
Central Market PIK
Pantai Indah Kapuk, Jakarta Utara Kamal Muara, Penjaringan
DKI Jakarta 14460 Jakarta Utara, DKI Jakarta 14470
Jl. Otista Pantai Indah Kapuk 2
Rumah Duka Sentosa Gatot Jl. Abdul Rachman Saleh No. 24 Tokyo Riverside Apartment Lemo
Lemo, Teluk Naga
Subroto Jakarta Pusat, DKI Jakarta 10710 - PIK
Tangerang Banten 15510
Tower Jasmine, Capillano
The Mansion Dukuh Golf - ATM Center Apartemen
Kemayoran The Mansion at Dukuh Golf Kemayoran Mall of Indonesia, Jakarta Utara
Cityhome MOI Artha Gading
Kompleks Kemayoran Blok D4-1/2 DKI Jakarta 14240
Pademangan Timur, Pademangan
Jakarta Utara, DKI Jakarta 14410
Taman Impian Jaya Ancol
Ancol Beach City Mall Jl. Sriwijaya No. 30-32, Wonodri
Pantai Carnaval, Kota Tua, Ancol
Hotel Royal Phoenix - Semarang Semarang Selatan
Pademangan, Jakarta Utara
Jawa Tengah | Central Java 50242
DKI Jakarta 14430
ATM Center MIM GF No. 2 Jl. Hertasning Baru No. 29
Metro Indah Mall Bandung Kawasan Niaga MTC Depan Aroeppala Food Court, Makasar
Halo Mart Makasar
Jl. Soekarno Hatta 590, Bandung Sulawesi Selatan | South Sulawesi
Jawa Barat | West Java 40286 90222
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Corporate Social Safety Responsibility
ATM Off Premises
ATM Off Premises
Nama ATM Alamat Nama ATM Alamat
ATM Name Address ATM Name Address
Jl. Bundaran PU
Jl. Dullah Raya KM. 8
Tuak Daun Merah (TDM)
Sinar Bangunan Building Center PT Samudra Indo Sejahtera (SIS) 2 Ngadi, Pulau Dullah Utara, Tual
Oebufu, Kupang
Maluku 97611
NTT | East Nusa Tenggara 85361
Jl. Kamal Raya Outer Ring Road
Jl. Jenderal Sudirman
RSK Tzu Chi Bedah Cinta Kasih Rusun Bumi Citra Idaman
GOTA Supermarket - Langgur Ohijang, Kei Kecil, Maluku Tenggara
PIK Cengkareng Timur, Cengkareng
Maluku 97622
Jakarta Barat, DKI Jakarta 11730
Jl. Soekarno Hatta KM. 6 Jl. Jenderal Sudirman
Industri Gula Nusantara (IGN) Cepiring Timur, Cepiring, Kendal Toko Sumberjaya - Langgur Ohijang, Langgur, Maluku Tenggara
Jawa Tengah | Central Java 51352 Maluku 97622
Jl. Pantai Indah Kapuk Boulevard
Tzu Chi Hospital PIK Jl. Hotel Langgur
RT. 004, RW. 003
Toko Mitra Abadi - Langgur Langgur, Kei Kecil
Kamal Muara, Penjaringan, Jakarta Utara
Maluku Tenggara 97622
DKI Jakarta 14470
Jl. Abdul Gani Ronua
Jl. Ir. H. Juanda No. 76
Pasar Lodal EL
Alana Hotel Sentul City Bogor Pasar Tual - Langgur
(Samping Pos Satpol PP)
Jawa Barat | West Java 16810
Maluku Tenggara 97622
Desa Ngadi, Pulau Dullah Utara, Tual Mall Bumi Kedaton, Lantai Basement
PT Samudera Indo Sejahtera Tual Mall Bumi Kedaton
Maluku 97612 Bandar Lampung 35132
Jl. Tim-Tim KM. 7
Jl. Jenderal Sudirman Kav. 52-53
Kelapa Lima Oesapa Barat
Gedung Elysee SCBD Lot. 21, Jakarta Selatan Dutalia Supermarket - Kupang
Kelapa Lima, Kupang
DKI Jakarta 12190
NTT | East Nusa Tenggara 85226
ATM Center Mitra Building GF7 Jl. Amabi No. 77
Gedung Mitra Jl. Jend. Gatot Subroto Kav. 21 Supertop Kupang Maulafa, Kupang
Jakarta Selatan, DKI Jakarta 12930 NTT | East Nusa Tenggara 85361
ATM Center Lt. 2 Jl. Dr. Ida Anak Agung Gede Agung
Tower Bellezza Arcade Mall Lot 8.6 - 8.7
Apartment Bellezza Permata Hijau & Office Work Menara Anugrah Kuningan Kawasan Mega Kuningan
Jl. Letjen Soepeno No. 34, Arteri Kuningan Timur, Setiabudi
Jakarta Selatan, DKI Jakarta 12210 Jakarta Selatan, DKI Jakarta 12950
LV 8 Resort Hotel Bali Lobby Hotel LV8 Jl. Trans Barelang
Jl. Discovery No. 8, Badung RSKI Galang Sijantung, Galang, Kota Batam
Denpasar, Bali 80361 Kepulauan Riau 29485
Ruko Taman Golf Residence 3
Discovery Shopping Mall Kuta (Lantai 3) Jl. Niaga Golf Raya Sukajadi
Discovery Shopping Mall - Kuta Jl. Kartika Plaza, Kuta, Badung Makmur Elok Graha (MEG) Batam Blok N2 No. 17-23
Bali 80361 Sukajadi, Batam
Kepulauan Riau | Riau Island 29435
Mitra Aneka Rezeki Palembang Jl. DR. J. Laimena, RT. 021, RW. 002
1&2 Jl. Palembang Jambi KM. 53, Palembang
Toko Cahaya Tual Ketsoblak, Pulau Dullah Selatan, Tual
Sumatra Selatan | South Sumatra 30958
(2 ATM) Maluku 97612
ATM Center
Jl. H.R. Koroh, Sikumana
Jl. Banten, Kebonwaru
Kiara Artha Park Sei Sedap Kupang Maulafa, Kupang
Batununggal, Bandung
NTT | East Nusa Tenggara 85351
Jawa Barat | West Java 40272
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
04
Analisis dan
Pembahasan
Manajemen
Management Discussion and Analysis
Di tengah kondisi perekonomian yang
penuh tantangan dan ketidakpastian
di sepanjang tahun 2024, kinerja Bank
Artha Graha Internasional tetap terjaga
baik secara operasional dan maupun
keuangan yang memperkuat landasan
untuk pertumbuhan lebih baik di masa
mendatang.
Amidst a challenging and uncertain economic environment
throughout 2024, Bank Artha Graha Internasional achieved
commendable performance by overcoming various
obstacles and challenges, and recorded operational and
financial results that have strengthened the foundation for
better growth in the future.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis
TINJAUAN EKONOMI DAN INDUSTRI ECONOMIC AND INDUSTRY REVIEW
Analisis Ekonomi Global Global Economic Analysis
Hingga akhir tahun 2024, kondisi perekonomian global masih By the end of 2024, the global economy remained influenced
dipengaruhi isu keamanan dipicu oleh konflik geopolitik by security concerns arising from prolonged geopolitical
berkepanjangan di Eropa, konflik di Timur Tengah dan dinamika conflicts in Europe, tensions in the Middle East, and economic
perekonomian di negara-negara maju. Hal ini tercermin dari fluctuations in developed countries. This was reflected in the
ekspektasi pemotongan suku bunga bank sentral AS yang expectations for U.S. Federal Reserve interest rate cuts, which
diperkirakan tidak akan sebesar sebelumnya, di tengah masih were predicted to be less aggressive than previously anticipated,
kuatnya data ekonomi AS, yang terlihat dari tingginya tingkat amid persistent strength in U.S. economic data—evidenced
inflasi dan kondisi tenaga kerja yang tetap solid. Pergantian by elevated inflation levels and a resilient labor market. The
kepemimpinan di Amerika Serikat di akhir 2024, juga menambah leadership transition in the United States at the end of 2024
tekanan terhadap prospek perekonomian dan perdagangan also added pressure on global economic and trade prospects,
global, mengingat kebijakan protektif yang digaungkan selama particularly due to the protectionist policies promoted during
masa kampanya, seperti pengenaan tarif impor signifikan the campaign period, such as the imposition of significant
terhadap negara-negara lain, termasuk Tiongkok. Selain itu, import tariffs on other countries, including China. Furthermore,
risiko geopolitik yang masih ada dapat memicu fluktuasi harga ongoing geopolitical risks continue to contribute to fluctuations
komoditas dan nilai tukar dollar AS. in commodity prices and the U.S. dollar exchange rate.
Mengacu pada laporan World Economic Outlook dari Referring to the January 2025 World Economic Outlook report
International Monetary Fund (IMF) Januari 2025, ekonomi global by the International Monetary Fund (IMF), global economic
diprakirakan akan tumbuh sedikit melambat menjadi 3,2% growth is projected to slightly slow to 3.2% in 2024, before
pada tahun 2024, namun mulai sedikit meningkat menjadi edging up to 3.3% in 2025. The global economy in 2024
3,3% di 2025. Perekonomian global di tahun 2024 didukung was supported by stronger-than-expected performance in
oleh perkembangan perekonomian Amerika Serikat yang the United States, driven by improvements in unemployment,
lebih baik dari ekspektasi awal, berkat perbaikan pada tingkat strengthening domestic demand, and a declining inflation
penganggurannya, membaiknya permintaan domestik, serta trend.
tren inflasi yang merendah.
Kondisi tersebut menggerakkan ekspektasi pelaku pasar These conditions fueled market expectations for a downward
terhadap penurunan Fed Funds Rate (FFR) menjadi lebih rendah revision of the Federal Funds Rate (FFR) to a level lower than
dari estimasi semula. Pada pertemuan Federal Open Market previously estimated. In the December 2024 meeting of the
Committee (FOMC) bulan December 2024, The Fed kembali Federal Open Market Committee (FOMC), the Fed again cut
memangkas FFR sebesar 25 bps ke level 4,50%, sesuai dengan the FFR by 25 basis points, bringing it to 4.50%, in line with
perkiraan pasar. Namun, pada tahun 2025 The Fed diperkirakan market forecasts. However, for 2025, the Fed is now expected
hanya akan memotong suku bunga sebanyak 50 bps, lebih to lower rates by only 50 basis points, compared to the previous
kecil daripada perkiraan sebelumnya yang sebesar 100 bps. projection of 100 basis points.
Perekonomian di Eropa juga menunjukkan tren membaik selama In Europe, economic conditions also showed improvement
2024, sebagaimana tercermin dari penjualan ritel-nya yang throughout 2024, as reflected in rising retail sales. Nevertheless,
meningkat. Meski demikian kawasan Eropa masih menghadapi the region continued to face challenges in the manufacturing
tantangan dari sisi manufakturnya. European Central Bank sector. The European Central Bank (ECB) also reduced its
(ECB) juga kembali menurunkan suku bunga menjadi 3,15% benchmark interest rate to 3.15% in December 2024. The IMF
pada Desember 2024. IMF memproyeksikan pertumbuhan projects that the Eurozone economy will grow by 0.8% in 2024.
zona Eropa sebesar 0,8% pada di 2024.
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Perekonomian negara-negara maju di kawasan Eropa juga The economy of advanced countries in Europe also showed
menunjukkan tren membaik selama 2024. Meski demikian signs of improvement throughout 2024. However, the region
kawasan Eropa masih menghadapi tantangan dari sisi continued to face challenges in the manufacturing sector. The
manufakturnya. European Central Bank (ECB) juga kembali European Central Bank (ECB) further reduced its interest rate to
menurunkan suku bunga menjadi 3,15% pada Desember 2024. 3.15% in December 2024. The IMF projected economic growth
IMF memproyeksikan pertumbuhan zona Eropa sebesar 0,8% in Europe at 0.8% in 2024.
pada 2024.
Dari sisi volume perdagangan dunia, IMF memproyeksikan From the perspective of global trade volume, the IMF forecasts
pertumbuhan sebesar 3,4% pada 2024, atau meningkat pesat growth of 3.4% in 2024, a significant improvement compared
dibandingkan capaian di 2023 yang hanya sebesar 0,7%. to the 0.7% growth recorded in 2023. In its release, the IMF
Dalam rilisnya, IMF juga memprediksi inflasi global, sekalipun also predicted that while global inflation is beginning to decline,
mulai menurun tetap berada di level yang tinggi, yakni di kisaran it will remain elevated, around 5.7%, down from 6.7% in 2023.
5,7% dari 6,7% pada 2023. Sedangkan Global Manufacturing Meanwhile, the Global Manufacturing Purchasing Managers’
PMI menurut J.P. Morgan dan S&P Global, pada November Index (PMI) by J.P. Morgan and S&P Global stood at 49.4 in
2024 berada di level 49,4 atau berada di zona kontraksi (di November 2024, remaining in contraction territory (below
bawah 50,0). Namun posisi tersebut menunjukkan peningkatan 50.0). However, it showed an improvement from the previous
dari bulan sebelumnya di level 48,7. month’s level of 48.7.
Analisis Ekonomi Indonesia Indonesia Economic Analysis
Di tengah kondisi global tersebut, perekonomian nasional Amid these global conditions, the national economy
tetap menunjukkan ketangguhannya dengan mencatatkan demonstrated its resilience by recording positive growth.
pertumbuhan positif. Merujuk pada data BPS, perekonomian According to data from Statistics Indonesia (BPS), Indonesia’s
Indonesia di tahun 2024 tumbuh 5,03% (yoy), hanya sedikit economy grew by 5.03% year-on-year (yoy) in 2024, only
melemah dari 5,05% di tahun sebelumnya, ditopang oleh slightly lower than the 5.05% recorded in the previous year.
pertumbuhan sebagian besar lapangan usaha. Industri This growth was supported by expansion across most economic
pengolahan kembali mendominasi kontribusi terhadap sectors. The manufacturing industry remained the dominant
pertumbuhan ekonomi Indonesia yang tumbuh positif dengan contributor to economic growth, accounting for 18.98%,
porsi mencapai 18,98%, diikuti sektor perdagangan 13,07%, followed by trade at 13.07%, construction at 10.09%, and mining
konstruksi 10,09%, dan pertambangan 9,15%. Adapun at 9.15%. The highest growth rates by sector were recorded
lapangan usaha dengan pertumbuhan tertinggi adalah jasa in other services at 9.80%, transportation and warehousing
lainnya yang tumbuh 9,80%, transportasi & pergudangan at 8.69%, and accommodation at 8.56%.1 Meanwhile, the
tumbuh 8,69%, serta akomodasi meningkat 8,56%.1 Sementara International Monetary Fund (IMF), in its January 2025 World
proyeksi IMF dalam laporan World Economic Outlook, Januari Economic Outlook, projected Indonesia’s economic growth for
2025, menunjukkan pertumbuhan ekonomi Indonesia di 2024 2024 at around 5.0%, the same as the previous year.
adalah di kisaran 5,0%, sama dengan tahun sebelumnya.
Pengendalian laju inflasi yang melibatkan seluruh tingkatan The successful management of inflation, which involved all
pemerintahan membuat inflasi domestik berhasil dikendalikan levels of government, helped to keep domestic inflation under
sehingga berada di level 1,57%, menurun dari 2,6%. Inflasi control at 1.57%, down from 2.6%. Volatile food inflation-
volatile food yang menjadi kontributor utama inflasi seperti particularly in rice, chili, and garlic-also showed a downward
beras, cabai, dan bawang putih juga terus menunjukkan tren trend in December 2024.
menurun di Desember 2024.
1
BPS (Badan Pusat Statistik)
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Perekonomian Indonesia juga terus menerus ada di dalam zona Indonesia’s economy continued to operate within an
ekspansi yang cukup bertahan semenjak pandemi berakhir, expansionary zone since the end of the pandemic, thanks to
berkat berbagai upaya yang dilakukan Pemerintah Indonesia ongoing efforts by the Indonesian government to improve
dalam memperbaiki ini investasi. Perbaikan iklim investasi the investment climate. These improvements led to increased
mendorong terjadinya realisasi investasi, baik dalam bentuk investment realization, including investment loans, working
kredit investasi, kredit modal kerja maupun kredit konsumsi di capital loans, and consumer credit across various regions.
berbagai daerah. Realisasi investasi infrastruktur konektivitas, Connectivity infrastructure investments, both under the
baik dalam kerangka PSN maupun non PSN terus meningkat. National Strategic Projects (PSN) and outside of it, continued
Hal ini mendorong permintaan agregat barang antar wilayah to increase. This stimulated aggregate interregional goods
juga mengalami peningkatan. Optimisme yang tercermin di demand. Optimism in the domestic market, as reflected in the
pasar domestik, sebagaimana juga tampak dari indeks PMI Purchasing Managers’ Index (PMI) and consumer confidence
maupun indeks keyakinan konsumen mendorong tumbuhnya index, helped boost opportunities for businesses, including
peluang bagi pelaku usaha, termasuk pelaku usaha di segmen MSME (Micro, Small, and Medium Enterprises) a key target
UMKM, sebagai target market Bank Artha Graha Internasional. market for Bank Artha Graha Internasional.
Selanjutnya di sektor perdagangan, neraca perdagangan In the trade sector, Indonesia’s trade balance continued its
Indonesia terus menunjukkan kinerja positif dan mencatatkan positive momentum, recording a 60-months consecutive
surplus 60 bulan berturut-turut sejak tahun 2020. Secara surplus since 2020. Cumulatively, the trade balance from
kumulatif, neraca perdagangan Januari hingga Desember January to December 2024 reached USD 331.04 billion,
2024 mencapai USD 331,04 miliar, membuat cadangan devisa contributing to a rise in foreign exchange reserves, which stood
Nasional kembali mencatatkan kenaikan, menjadi sebesar at USD 155.7 billion at the end of December 2024. This amount
USD 155,7 miliar. Jumlah cadangan akhir Desember 2024 is equivalent to financing 6.7 months of imports or 6.5 months
tersebut setara dengan pembiayaan 6,7 bulan impor atau 6,5 of imports plus government external debt payments, and well
bulan impor dan pembayaran utang luar negeri pemerintah, above the international adequacy standard of around 3 (three)
serta berada di atas standar kecukupan internasional sekitar months of imports.
3 (tiga) bulan impor.
Lebih lanjut, laju ekonomi domestik sekalipun tetap sangat Although Indonesia’s domestic economic performance
resilient, cukup terpengaruh oleh kondisi perekonomian global, remained resilient, it was still affected to some extent by the
yang penuh tidak pastian dan tantangan tersebut, ditunjukkan challenging and uncertain global environment. This was
dengan berbagai indikator. Aktivitas produksi berjalan fluktuatif reflected in several indicators. Production activity fluctuated,
tercermin dari PMI Manufaktur Indonesia yang terus bergerak as shown by the Indonesia Manufacturing PMI, which moved
dinamis antara kontraksi dan ekspansif dengan indeks terendah between contraction and expansion throughout the year.
adalah 48,9 di Agustus, setelah sebelumnya mencapai The index fell to its lowest at 48.9 in August, after peaking at
puncaknya sebesar 54,2 di bulan Maret 2024. Adapun di 54.2 in March 2024. By December 2024, it had returned to
Desember 2024 indeks PMI ini kembali menunjukkan fase an expansionary phase at 51.2. Electricity consumption also
ekspansif, di 51,2. Konsumsi listrik tumbuh 10,54% untuk bisnis, increased, growing by 10.54% for businesses, 4.20% for
4,20% untuk industri dan 8,75 untuk rumah tangga. Dari sisi industry, and 8.75% for households. From a consumption
konsumsi, Indeks Keyakinan Konsumen masih terjaga cukup perspective, the Consumer Confidence Index remained
tinggi mencapai 127,70 di bulan Desember 2024. Sementara relatively high at 127.70 in December 2024, while the Real Sales
Indeks Penjualan Riil tumbuh positif mencapai 1,8%. 2 Index grew positively by 1.8%.2
Dari sisi pengeluaran, pengeluaran konsumsi rumah tangga masih From the expenditure side, household consumption remained
menjadi katalis utama pertumbuhan Produk Domestik Bruto (PDB) the primary driver of Indonesia’s Gross Domestic Product
Indonesia dengan pertumbuhan sebesar 4,94% yoy. Kontribusi (GDP), growing by 4.94% yoy. Its contribution of 54.04%
konsumsi rumah tangga yang mencapai 54,04% merefleksikan reflects relatively strong purchasing power, supported by
daya beli masyarakat masih relatif terjaga dengan baik didukung effective government inflation control.
oleh pengelolaan inflasi dengan baik oleh Pemerintah.
2
BI (Bank Indonesia)
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Laju pertumbuhan ekonomi yang relatif terjaga tersebut mampu This stable economic growth also contributed to improved
meningkatkan kesejahteraan masyarakat. Tercatat tingkat public welfare. The open unemployment rate dropped to 4.91%
pengangguran terbuka mampu ditekan ke level 4,91% per as of August 2023, from 5.32% in the same period the previous
Agustus 2023 dari periode sama di tahun sebelumnya yang year.
sebesar 5,32%.
Penguatan pemulihan ekonomi serta berbagai program The strengthening economic recovery and ongoing social
perlindungan sosial juga mampu menurunkan tingkat protection programs also led to a decline in the poverty rate,
kemiskinan dari 9,36% per Maret 2023 menjadi 8,57% di from 9.36% in March 2023 to 8.57% in September 2024, even
September 2024, semakin lebih rendah bahkan dari masa pra lower than the pre-COVID level of 9.41% in 2019.
covid 2019 yang sebesar 9,41%.
Kinerja perekonomian Indonesia tersebut membuat di tahun Indonesia’s solid economic performance in 2024 led credit
2024, lembaga pemeringkat kredit menegaskan Sovereign Credit rating agencies to reaffirm the country’s sovereign credit ratings:
Rating Indonesia pada peringkat BBB (S&P), Baa2 (Moody’s) BBB from S&P, Baa2 from Moody’s, and BBB from Fitch, all with
dan BBB (Fitch) dengan outlook stabil. Peringkat Investment a stable outlook. These investment-grade ratings were based on
Grade ini diberikan berdasarkan penilaian beberapa faktor several factors, including strong credit fundamentals, favorable
antara lain fundamental kredit melihat prospek pertumbuhan medium-term growth prospects, robust domestic consumption
jangka menengah Indonesia yang menguntungkan, konsumsi supporting 5.0% GDP growth, controlled inflation, and prudent
domestik yang baik untuk mendukung pertumbuhan GDP fiscal policy.
sebesar 5,0%, tingkat inflasi yang terkendali, dan kebijakan
fiskal yang berhati-hati.
Analisis Industri Perbankan Banking Industry Analysis
Kinerja intermediasi perbankan dalam mendukung kegiatan The performance of banking intermediation in supporting
perekonomian Indonesia menunjukkan pertumbuhan positif Indonesia’s economic activities continued to show positive growth
dengan profil risiko yang tetap terjaga. Per Desember 2024, in 2024, with a well-maintained risk profile. As of December
oustanding kredit perbankan nasional melanjutkan pertumbuhan 2024, national banking credit outstanding recorded double-digit
double digit growth sebesar 10,39% yoy, menjadi sebesar Rp7.827 growth of 10.39% year-on-year, reaching IDR7,827 trillion. Based
triliun. Berdasarkan jenis penggunaan, Kredit Investasi tumbuh on the type of credit usage, Investment Loans posted the highest
tertinggi yaitu sebesar 13,62%, diikuti oleh Kredit Konsumsi growth at 13.62%, followed by Consumer Loans at 10.61%, and
10,61%, sedangkan Kredit Modal Kerja 8,35%. Berdasarkan Working Capital Loans at 8.35%. By debtor category, corporate
kategori debitur, kredit korporasi tumbuh sebesar 15,67%, loans grew by 15.67%, while loans to micro, small, and medium
sementara kredit UMKM juga tetap tumbuh sebesar 3,37 %. enterprises (MSMEs) also continued to grow by 3.37%.
Adapun Dana Pihak Ketiga (DPK) perbankan tercatat tumbuh Meanwhile, third-party funds (DPK) in the banking sector
sebesar 4,48% yoy (Desember) menjadi Rp8.837,2 triliun, increased by 4.48% year-on-year in December, amounting to
dengan giro, tabungan, dan deposito masing-masing tumbuh IDR8,837.2 trillion. This growth was supported by an increase
sebesar 3,34%, 6,78%, dan 3,50% yoy. Pertumbuhan DPK in demand deposits by 3.34%, savings by 6.78%, and time
pada 2024 tersebut lebih tinggi dibandingkan tahun 2023 yang deposits by 3.50%. The third-party fund growth in 2024 was
tumbuh sebesar 3,73% yoy. Dengan demikian rata-rata LDR higher than in 2023, which recorded a growth of 3.73% year-
perbankan nasional di tahun 2024 menjadi sebesar 88,57%, on-year. Consequently, the average Loan to Deposit Ratio (LDR)
naik dari 84,17% di tahun sebelumnya. of the national banking industry rose to 88.57% in 2024, up from
84.17% the previous year.
Kualitas kredit perbankan nasional juga tetap terjaga dengan The quality of national banking credit remained stable, as
rasio NPL gross sebesar 2,08% dan NPL net sebesar 0,74%. reflected in the gross Non-Performing Loan (NPL) ratio of
Loan at Risk (LaR) juga menunjukkan tren penurunan menjadi 2.08% and the net NPL ratio of 0.74%. The Loan at Risk (LaR)
sebesar 9,28%. Rasio LaR tersebut di bawah level sebelum ratio also showed a declining trend, reaching 9.28%, lower
pandemi yaitu sebesar 9,93% pada Desember 2019. than the pre-pandemic level of 9.93% in December 2019.
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Ketahanan perbankan juga tetap kuat tercermin dari The resilience of the banking sector remained strong, as shown
permodalan (CAR) yang berada di level tinggi yaitu sebesar by the Capital Adequacy Ratio (CAR), which stood at a high
26,69%, menjadi bantalan mitigasi risiko yang kuat di tengah level of 26.69%, providing a solid buffer to mitigate risks amid
kondisi ketidakpastian global. global uncertainties.
Sehingga secara umum industri perbankan berada pada posisi In general, the banking industry was in a very solid position
yang sangat baik di tahun 2024. Indikator kinerja industri in 2024. Most performance indicators showed improvement
perbankan secara umum meningkat dari tahun sebelumnya, compared to the previous year, as illustrated in the following
seperti ditunjukkan pada grafik berikut. charts.
Indikator Kinerja Perbankan Nasional 2023 - 2024
2023 - 2024 National Banking Performance Indicators
100
90 88,57
83,83
81,45
80 78,94
70
60
50
40
30 26,69 27,65
20
10 4,81
4,62
2,69 2,74 2,08 2,19
0
2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023
CAR BOPO LDR NIM ROA NPL
Untuk menjaga stabilitas dan mendorong pertumbuhan To maintain stability and support economic growth, Bank
ekonomi, Bank Indonesia (BI) terus memperkuat respons bauran Indonesia (BI) continued to strengthen its policy mix response.
kebijakan. Kebijakan moneter tetap difokuskan untuk menjaga Monetary policy remained focused on maintaining stability
stabilitas (pro-stability), sementara kebijakan makroprudensial, (pro-stability), while macroprudential policy, digitalization
digitalisasi sistem pembayaran, pendalaman pasar uang, serta of the payment system, money market deepening, and
program ekonomi-keuangan inklusif dan hijau terus diarahkan programs supporting inclusive and green economic-financial
untuk mendorong pertumbuhan (pro-growth). development were consistently directed toward promoting
growth (pro-growth).
Sejalan dengan arah bauran kebijakan tersebut, BI In line with this policy mix direction, BI maintained the BI-Rate at
mempertahankan BI-Rate pada level 6,00%. Keputusan 6.00%. The decision to keep the BI-Rate at this level remained
mempertahankan BI-Rate pada level 6,00% tetap konsisten consistent with the pro-stability focus of monetary policy, aimed
dengan fokus kebijakan moneter yang pro-stability, yaitu untuk at strengthening the stabilization of the Rupiah exchange rate
penguatan stabilisasi nilai tukar Rupiah serta langkah pre- and as a pre-emptive and forward-looking measure to ensure
emptive dan forward looking untuk memastikan inflasi tetap inflation stays within the target range of 2.5% ±1% in 2024.
terkendali dalam sasaran 2,5 ±1% pada 2024.
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Kendati industri perbankan Indonesia resilient dan berdaya Although the Indonesian banking industry remains resilient and
saing, tetapi industri perbankan tetap harus mengedepankan competitive, banks must continue to uphold prudence and
kehati-hatian dan teliti dalam penyaluran kredit untuk conduct careful credit distribution to prevent any deterioration
menghindari menurunnya kualitas aset. in asset quality.
S T R AT E G I B A N K A R T H A GRAHA BANK ARTHA GRAHA INTERNASIONAL
INTERNASIONAL 2024 STRATEGY IN 2024
Merespons kondisi perekonomian nasional yang penuh In response to the challenging national economic conditions
tantangan dan kondisi industri perbankan yang dihadapkan and the banking industry’s landscape, which is marked by
pada ketatnya persaingan dalam mendapatkan sumber intense competition in securing funding sources amid high cost
pendanaan dengan diwarnai dengan tingginya biaya dana, of funds, the Bank’s business development strategy in 2024
strategi pengembangan bisnis yang dijalankan Bank pada was as follows:
tahun 2024 adalah sebagai berikut:
Strategi Pendanaan Funding Strategy
Strategi pendanaan di tahun 2024 tetap fokus pada peningkatan The funding strategy in 2024 remains focused on increasing
dana murah serta akuisisi nasabah baru. Adapun action plan low-cost funds and acquiring new customers. The Bank’s action
Bank di tahun 2024 adalah sebagai berikut: plan for 2024 includes the following:
1. Pengembangan kerjasama dengan B2B2C untuk 1. Developing partnerships under the B2B2C model to grow
meningkatkan dana murah dimana salah satunya melalui low-cost funds, including through the utilization of the
pemanfaatan produk bank penyimpan dana margin Bank’s Margin Fund Holding Product (BPDM).
(BPDM).
2. Pengembangan Digital Apps untuk mempermudah dan 2. Enhancing Digital Apps to facilitate and accelerate online
mempercepat pembukaan rekening online kombinasi account opening, combined with a Member Get Member
dengan program MGM (member get member) untuk (MGM) program to increase customer acquisition through
meningkatkan jumlah akuisisi nasabah melalui online online channels.
channel.
3. Pembukaan rekening khusus merchant dan peningkatan 3. Opening special accounts for merchants and expanding
kerjasama pedagang UMKM menjadi merchant QRIS untuk collaboration with MSME traders to become QRIS merchants
mendukung cashless transaction. in support of cashless transactions.
4. Rencana penambahan fitur QRIS Cross Border serta Tuntas 4. Plans to add Cross-Border QRIS and TUNTAS features
(Tarik, Setor, serta Transfer) di 2024 diharapkan dapat (Withdrawals, Deposits, and Transfers) in 2024 are expected
meningkatkan akseptansi QRIS di masyarakat. to boost QRIS acceptance among the public.
5. Pengembangan Digital Marketing untuk promosi 5. Expanding Digital Marketing initiatives to promote products
produk dan program melalui jalur pemasaran digital and programs through digital marketing channels and
dan memperkuat tools marketing engine system dalam strengthening the marketing engine system to increase
meningkatkan active user dan potensi dana murah. active users and the potential for low-cost funding.
Penyaluran Dana Fund Distribution
Sesuai dengan rencana bisnis yang telah dicanangkan, berikut In accordance with the business plan that has been outlined,
beberapa hal terkait penyaluran dana yaitu: the following are some key points related to fund distribution:
1. Penyaluran Kredit per 31 Desember 2024 terealisasi 1. Credit distribution as of December 31, 2024, amounted to
sebesar Rp10.605,4 miliar. IDR10,605.4 billion.
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2. Dari segi kredit kepada Usaha Mikro, Kecil, dan Menengah 2. In terms of credit to Micro, Small, and Medium Enterprises
(UMKM) sampai Semester II Tahun 2024 realisasi sebesar (MSMEs), the realization up to the second semester of
Rp376,7 miliar. Rasio UMKM terhadap total kredit tercatat 2024 was IDR376.7 billion. The MSME credit ratio to total
sebesar 3,55%. credit was recorded at 3.55%.
Langkah-langkah yang dilakukan Bank untuk mencapai The initiatives undertaken by the Bank to achieve credit
pertumbuhan kredit dibagi sesuai segmen: growth are categorized by segment:
• Konsumer • Consumer
a. Pemasaran KPR Reguler di Primary Market dengan a. Marketing of Regular Mortgage Loans (KPR) in
Developer Rekanan Kerja sama dengan Program the Primary Market through Partner Developers in
Bunga Khusus yang kompetitif. collaboration with a Special Competitive Interest
Rate Program.
b. Penawaran Pembiayaan KPR kepada nasabah b. Offering Mortgage Financing (KPR) to existing
eksisting yang aktif bertransaksi di BAGI. customers who actively transact with BAGI.
c. Pemasaran KTA kerjasama dengan payroll karyawan/ c. Marketing of Unsecured Loans (KTA) in cooperation
debitur potensial dan dikenal Cabang/BAGI. with payroll customers/potential debtors who are
known by Branches/BAGI.
d. Cross selling placement dana produk bundling d. Cross-selling of fund placements through bundled
funding, Developer (termasuk Supplier, Vendor & funding products with developers (including
Kontraktor) KPR Reguler Program Bunga Khusus, suppliers, vendors, and contractors) under the Special
Notaris dan lembaga pemerintahan. Interest Mortgage Program, as well as with notaries
and government institutions.
e. Pembiayaan Digital Lending melalui Kerjasama e. Digital lending financing through partnerships
dengan Platform Digital dalam kebutuhannya untuk with digital platforms to support both productive
pembiayaan Produktif (SME - Working Capital & financing needs (SME - Working Capital & Supply
Supply Chain Financing) dan pembiayaan Konsumtif Chain Financing) and consumer financing (Regular
(KPR Reguler, Consumer Loan, Buy Now Pay Later Mortgage, Consumer Loans, Buy Now Pay Later
(BNPL) dan Cash Loan). (BNPL), and Cash Loans).
f. Cross selling placement dana melalui kerjasama f. Cross-selling of fund placements through credit
kredit dengan platform digital. partnerships with digital platforms.
• Ritel/SME • Retail/SME
a. Meningkatkan pada suply chain financing a. Increasing supply chain financing for suppliers/
pembiayaan pada supplier/buyer dari perusahaan buyers of anchor companies that are existing
anchor nasabah/debitur existing. customers/debtors.
b. Kerjasama dengan platform digital/B2B fintech untuk b. Collaborating with digital platforms/B2B fintech
pembiayaan sektor usaha kecil dan menengah. companies to finance the small and medium
enterprise (SME) sector.
c. Penyaluran kredit kepada chanelling koperasi untuk c. Disbursing loans through cooperative channeling to
meningkatkan sektor ekonomi dan mikro. boost the economic and micro sectors.
d. Cross selling kepada nasabah yang belum d. Cross-selling to customers who have not yet obtained
mempunyai fasilitas kredit SME. SME credit facilities.
e. Mengoptimalkan pencairan fasilitas kredit baru dalam e. Optimizing the disbursement of new credit facilities
meningkatkan portofolio kredit to grow the loan portfolio.
• Korporasi/Komersil • Corporate/Commercial
a. Melakukan intesifikasi bisnis debitur existing, a. Intensifying business with existing debtors, including
diantaranya pendekatan kepada induk maupun outreach to the parent and subsidiary companies of
anak usaha debitur, customer dan supplier (Cross the debtor, as well as their customers and suppliers
selling dan Up selling) (cross-selling and up-selling).
b. Ekstensifikasi bisnis untuk debitur/nasabah baru b. Expanding business to new debtors/customers
yang berasal dari value chain corporate banking, derived from the value chain of corporate banking,
nasabah funding eksisting dan non debitur. existing funding customers, and non-debtors.
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c. Penyaluran pembiayaan supply chain dan distributor c. Disbursing financing through supply chain and
financing. distributor financing schemes.
d. Mendorong pembiayaan aktif melalui sindikasi dan d. Promoting active financing through syndications and
menjalin kerjasama yang aktif dengan lembaga establishing active cooperation with other financial
pembiayaan lainnya. institutions.
• Selain melakukan strategi untuk mencapai pertumbuhan • In addition to implementing strategies to achieve credit
kredit, juga melakukan langkah-langkah pencegahan growth, the Bank also takes preventive measures to
penurunan kualitas kredit untuk menjaga tingkat maintain credit quality and ensure the Bank’s soundness
kesehatan Bank, sebagai berikut: level, as follows:
a. Melakukan penyaluran kredit secara selektif dan a. Distributing credit selectively and prudently,
prudent dengan memperhatikan mitigasi terhadap considering risk mitigation in credit distribution
risiko penyaluran kredit dan melakukan pemantauan and monitoring debtor payment receipts, aging of
penerimaan pembayaran dari debitur, monitoring receivables, and financial statement analysis.
aging piutang serta analisis laporan keuangan.
b. Melakukan kunjungan secara rutin ke lokasi usaha b. Conducting regular visits to debtor business
debitur untuk memastikan bahwa operasional locations to ensure that their operations are
usaha debitur berjalan dengan baik dan lancar running smoothly, and periodically reviewing their
serta melakukan review secara berkala kondisi financial condition to take early preventive steps to
keuangan sehingga dapat mengambil langkah address potential issues that could lead to future
preventif lebih dini untuk menyelesaikan masalah losses for the Bank.
yang dapat berpotensi menimbulkan kerugian Bank
di kemudian hari.
c. Melakukan evaluasi kebijakan perkreditan yang c. Evaluating credit policies on an ongoing basis
berkelanjutan sesuai dengan ketentuan yang berlaku in accordance with prevailing regulations and
dan arahan dari Otoritas Jasa Keuangan dan/atau guidance from the Financial Services Authority
Bank Indonesia. (OJK) and/or Bank Indonesia.
d. Meningkatkan kualitas dari Sumber Daya Manusia d. Improving the quality of Human Resources,
khususnya keterampilan analisa perkreditan dengan especially in credit analysis skills, through
pelatihan-pelatihan yang berkesinambungan. continuous training.
e. Mempercepat penanganan dan penyelesaian kredit e. Accelerating the handling and resolution of
yang berpotensi bermasalah dan kredit bermasalah potential problem loans and non-performing
untuk mempertahankan dan meningkatkan kualitas loans to maintain and enhance credit portfolio
portofolio kredit, dengan langkah-langkah sebagai quality, with the following actions:
berikut:
i. Melakukan upaya penagihan secara intensif i. Intensive collection efforts and expediting the
dan mempercepat eksekusi aset agunan dan execution of collateral assets and related legal
tindakan hukum terkait. actions.
ii. Menjual agunan debitur dan melaksanakan ii. Selling debtor collateral and executing AYDA
eksekusi AYDA, dengan prioritas pada aset (Asset Yield Disposal Actions), prioritizing
yang lebih mudah dipasarkan. assets that are easier to market.
iii. Menghapus buku untuk kredit yang sulit ditagih, iii. Writing off loans that are difficult to collect,
sambil tetap melanjutkan upaya penagihan. while continuing collection efforts.
iv. Peningkatan Sumber Daya Manusia khususnya iv. Enhancing Human Resources, particularly in
dalam bidang analisis perkreditan dan evaluasi credit analysis and the ongoing evaluation
kebijakan perkreditan yang berkelanjutan sesuai of credit policies in line with applicable
dengan ketentuan yang berlaku. regulations.
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Permodalan Capital
Pencapaian Kewajiban Penyediaan Modal Minimum (KPMM) In the second semester of 2024, the Bank’s Capital Adequacy
pada Semester II Tahun 2024 sebesar 26,35%. Rasio tersebut Ratio (CAR) stood at 26.25%. This level remains well above
masih tetap terjaga pada level diatas minimal 9,37% (tingkat the minimum capital requirement of 9.37% (mandated by risk
permodalan yang wajib risk profile). profile).
Human Capital Human Capital
Selama periode tahun 2024, Direktorat Human Capital telah In 2024, the Human Capital Directorate has implemented a
melaksanakan sejumlah inisiatif dan program kerja sesuai number of initiatives and work programs in accordance with the
dengan target atau rencana pengembangan Human Capital Human Capital development targets or plans set by the Bank
yang telah ditetapkan oleh Bank untuk tahun 2024 sebagai for 2024 as follows:
berikut:
1. Re-arrange Organization 1. Re-arrange Organization
Akuisisi dan penempatan karyawan sesuai dengan The acquisition and placement of employees are carried
kompetensinya sehingga target yang ditetapkan dapat out according to their competencies to ensure that the set
tercapai. Dilakukan perampingan jumlah human capital targets can be achieved. A downsizing of human capital is
untuk mendukung model bisnis. also conducted to support the business model.
2. Shaping the New Future 2. Shaping the New Future
Untuk mencapai hasil yang lebih baik dimasa depan To achieve better outcomes in the future and ensure
dan regenerasi pejabat dilakukan pencarian kandidat leadership regeneration, new candidates for leadership
baru calon pejabat baik secara internal maupun prohire. positions are sought both internally and through professional
Mengembangkan kompetensi karyawan dengan cara hiring. Employee competencies are developed through
memberikan pelatihan, memberikan coaching dan training, coaching, and mentoring, while retaining existing
mentoring serta mempertahankan kader yang dimiliki talent (graduates of internal development programs).
(lulusan peserta program).
3. Empowering Human Capital 3. Empowering Human Capital
Melakukan penyusunan kompetensi sesuai dengan Preparing competencies according to job specifications.
spesifikasi jabatannya.
4. Regeneration & Engagement 4. Regeneration & Engagement
Pemberian reward dan insentif kepada karyawan/Cabang Providing rewards and incentives to employees or branches
yang berhasil mencapai target. that successfully achieve their targets.
Jaringan Kantor Office Network
Untuk meningkatkan performa jaringan kantor/cabang, maka To enhance the performance of the office/branch network, the
evaluasi yang dilakukan antara lain: Bank carried out several evaluations and initiatives, including:
1. Mengeksplorasi potensi bisnis yang ada di sekitar jaringan 1. Exploring business potential in areas surrounding
kantor yang mendukung kebijakan setiap daerah, melalui branch locations in support of regional policies, through
kerjasama dengan pelaku UMKM, MUSPIDA/PEMDA, TNI collaborations with MSMEs, local government, and military
dan mitra TNI, serta instansi Pemerintahan lainnya. authorities (MUSPIDA/PEMDA), TNI and TNI-affiliated
partners, as well as other government institutions.
2. Business development dengan pengembangan digitalisasi 2. Business development through digitalization efforts to
untuk mendukung ecosystem bisnis bank dalam strengthen the Bank’s business ecosystem and facilitate
mengakuisisi nasabah dari Sekolah, Pasar, Koperasi, customer acquisition from schools, markets, cooperatives,
Yayasan, dan komunitas-komunitas lainnya. foundations, and other community groups.
3. Melakukan efisiensi melalui konsolidasi jaringan kantor 3. Improving efficiency by consolidating branch networks
dengan tujuan untuk lebih mengoptimalkan produktivitas to further optimize productivity and overall branch
dan kinerja jaringan kantor. performance.
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4. Pelaksanaan dan penguatan kinerja terhadap seluruh 4. Strengthening performance across all branch networks
jaringan kantor di lokasi-lokasi strategis sesuai dengan located in strategic areas in line with the Bank’s business
rencana bisnis yang ditetapkan dalam meraih peluang plans, to capture potential business opportunities and drive
bisnis yang ada, serta perkembangan kinerja keuangannya. financial performance.
5. Optimalisasi kinerja sales dan marketing untuk 5. Optimizing the performance of sales and marketing teams
meningkatkan pertumbuhan usaha jaringan kantor to support business growth across branches, through
melalui cross selling, up selling dan down selling secara comprehensive cross-selling, up-selling, and down-
menyeluruh terhadap nasabah eksisting serta akuisisi baru selling strategies targeting existing customers as well as
dari potensi referral baik dari keluarga maupun kolega new acquisitions through referrals from customers’ families
nasabah. and colleagues.
6. Selama Semester II Tahun 2024 terdapat beberapa 6. During the second half of 2024, several new ATM units
penempatan unit ATM baru. were deployed.
Teknologi Informasi (TI) Information Technology (IT)
Pengembangan Teknologi Informasi Tahun 2024 dilaksanakan Information Technology Development in 2024 was implemented
sesuai dengan Rencana Bisnis Bank. Beberapa upaya dalam in line with the Bank’s Business Plan. Various efforts to support
usaha mendukung bisnis bank antara lain: the Bank’s business operations included the following:
1. Pengembangan Fitur API Management, Mobile Apps dan 1. Development of API Management Features, Mobile Apps,
Internet Banking and Internet Banking
a. Pengembangan API Standard dan Catalog pada a. Development of Standard APIs and Catalogs for
“Dukcapil untuk e-K YC, BI-FAST, Pencairan, integration with: Dukcapil for e-KYC, BI-FAST,
Pembayaran dan Pelunasan P2P Lending Mitra”. Disbursement, Payment, and Repayment for Partner
P2P Lending.
b. Pengembangan Fase 1 Tahap 2 BI-FAST. b. Development of Phase 1, Stage 2 of BI-FAST.
c. Upgrade Core Banking System, perubahan ATM c. Core Banking System upgrade, ATM Switching
Switching dan perubahan Middleware. replacement, and Middleware changes.
d. Enhancement fitur Core Banking sesuai dengan d. Enhancements to Core Banking features in line with
kebutuhan bisnis seperti Anjak Piutang, Enhancement business needs, such as Factoring, PRK Enhancement,
PRK, Limit Teller, Enhancement Payroll, AutoDebet, Teller Limits, Payroll Enhancement, Auto-Debit, Safe
Transaksi SDB, dan lain-lain. Deposit Box (SDB) Transactions, and others.
e. Pengembangan digital apps AGI sebagai solusi e. Development of the AGI digital app as a mobile
transaksi perbankan melalui perangkat mobile berupa banking solution, featuring digital gold savings, biller
fitur tabungan emas, biller, loyalty point, e-KYC dan integration, loyalty points, e-KYC, and account opening.
opening account.
f. Pengembangan aplikasi Digital Lending sebagai produk f. Development of a Digital Lending application
pinjaman untuk kepentingan konsumtif maupun modal to offer consumer and working capital loans for
kerja kepada pelaku UMKM melalui aplikasi mobile MSMEs via mobile apps and online platforms,
maupun platform online dengan memanfaatkan solusi supported by integrated risk management solutions.
manajemen resiko yang terintegrasi.
g. Pengembangan solusi transaksi keuangan berbasis g. Development of a web-based financial transaction
web untuk nasabah korporasi. solution for corporate customers.
2. Pengembangan fitur guna mendukung operasional dan 2. Feature Development to Support Bank Operations and
pelaporan Bank Reporting
a. Pengembangan aplikasi Credit Risk Rating guna a. Development of a Credit Risk Rating application to
mengukur credit scoring dari calon debitur. assess credit scoring of prospective debtors.
b. Enhancement dashboard & report MIS sesuai kebutuhan b. Enhancement of MIS dashboards and reports to meet
informasi bisnis. business information needs.
c. Enterprise data service - Enrichment data dari MB, IBB, c. Enterprise Data Service - Data enrichment from Mobile
ATM, T24 dan channel lainnya. Banking, Internet Banking, ATM, T24, and other
channels.
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d. Pengembangan aplikasi Library IT untuk memudahkan d. Development of an IT Library application to facilitate
dalam melakukan inventarisasi penyimpanan media inventory and storage of data backup media, application
backup data, software aplikasi dan lainnya di Library. software, and others.
e. Pengembangan aplikasi iReporting untuk sentralisasi e. Development of the iReporting application to centralize
aplikasi laporan regulator. regulatory reporting systems.
3. Penguatan infrastruktur dan peningkatan sistem keamanan 3. Infrastructure Strengthening and Internal Security System
di internal Enhancement
a. Active Directory - Pengelolaan Policy EUC yang a. Active Directory - Management of EUC Policies used by
digunakan karyawan. employees.
b. Keamanan data & network menggunakan Trendmicro b. Data and network security using Trendmicro VisionOne
VisionOne XDR. XDR.
c. Pengembangan aplikasi administrasi permintaan c. Development of an administrative application for
pemeliharan dan perubahan kewenangan akses User managing maintenance requests and access authority
ID aplikasi. changes for application User IDs.
d. Penyediaan aplikasi monitoring untuk memantau d. Provision of monitoring applications to track server
performance dan response time server. performance and response times.
e. Pemindahan pusat data (Data Center). e. Relocation of the Data Center.
f. SOC dan SIEM untuk monitoring traffic dan security. f. Implementation of SOC and SIEM for traffic and security
monitoring.
g. Upgrade operation system di end user workstation g. Upgrade of end-user workstation operating systems to
menjadi Windows 10/11. Windows 10/11.
TINJAUAN OPERASIONAL OPERATIONAL REVIEW
Pola industri perbankan Indonesia mengalami pergeseran The Indonesian banking industry has undergone a shift in
pasca pandemi covid-19. Kebutuhan nasabah akan layanan patterns following the covid-19 pandemic. Customer demand
yang berbasis digital mengalami peningkatan yang signifikan. for digital-based services has increased significantly. On the
Di lain pihak, kebutuhan kredit di sektor Usaha Mikro, Kecil other hand, credit demand in the Micro, Small, and Medium
dan Menengah (UMKM) juga mengalami peningkatan seiring Enterprises (MSME) sector has also grown in line with the
dengan kembali bergeraknya roda ekonomi. Hal-hal tersebut revitalization of economic activity. These developments have
cukup mempengaruhi strategi dan kebijakan strategis yang had a considerable impact on the strategies and strategic
dijalankan Bank Artha Graha Internasional sepanjang tahun policies implemented by Bank Artha Graha Internasional
2024. throughout 2024.
Aspek Pemasaran Marketing Aspects
Guna mencapai sasaran pemasaran tahun 2024, Bank Artha To achieve marketing targets in 2024, the Bank aims to
Graha Internasional berupaya menjalankan usahanya dengan implement its efforts by formulating product and service
merumuskan strategi pemasaran produk dan layanan yang marketing strategies. These strategies are aligned with
dimiliki. Strategi pemasaran mengacu pada kebijakan yang established policies to support the Company’s mission through
telah disusun sehingga sejalan dengan misi Perseroan melalui product and business development, to maintain and strengthen
pengembangan produk dan bisnis untuk mempertahankan Bank Artha Graha Internasional’s position in the Indonesian
dan meningkatkan posisi Bank Artha Graha Internasional di banking industry. This is carried out by upholding the principles
industri perbankan Indonesia dengan melaksanakan prinsip of prudence and sound banking practices through the following
kehati-hatian dan kesehatan Bank melalui: efforts:
1. Pengembangan kerjasama dengan B2B partner untuk 1. Developing partnerships with B2B partners to increase
meningkatkan dana murah dan memperluas channel low-cost funds and expand customer acquisition channels.
akuisisi nasabah.
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2. Mengembangkan dan menambah fitur pembayaran 2. Enhancing and adding payment features through AGI digital
melalui agi digital apps guna mendorong nasabah aktif apps to encourage customers to actively transact, aiming to
bertransaksi sehingga dapat menjadi salah satu Bank position the Bank as one of their main banking institutions.
utama (main bank) bagi nasabah.
3. Peningkatan Kerjasama Merchant UMKM dalam rangka 3. Expanding partnerships with MSME merchants to support
mendukung cashless transaction sehingga dapat menerima cashless transactions, enabling them to accept payments
transaksi pembayaran dari seluruh penyedia pembayaran from all QRIS providers in Indonesia.
QRIS yang ada di Indonesia.
4. Meningkatkan Akuisisi Online guna memperkuat proses 4. Increasing online acquisition to strengthen the customer
customer onboarding dengan mengembangkan fitur onboarding process by developing an online account
pembukaan rekening online dengan terintegrasi dengan opening feature integrated with e-KYC and connected to
e-KYC yang terkoneksi dengan Dukcapil. the national population database (Dukcapil).
5. Pengembangan Digital Marketing guna meningkatkan 5. Advancing digital marketing efforts to boost brand
brand awareness serta customer base dan pemanfaatan awareness and expand the customer base, while leveraging
big-data untuk seleksi target serta segment customer big-data to select targeted customer segments and
dengan strategi marketing yang akan digunakan. implement appropriate marketing strategies.
Pangsa Pasar Market Share
Bank Artha Graha Internasional merupakan satu dari 106 Bank Artha Graha Internasional is one of 106 banks operating
bank yang beroperasi di Indonesia. Saat ini, Bank Artha Graha in Indonesia. Currently, the Bank is classified under KBMI
Internasional masuk dalam KBMI 1 (Kelompok Bank berdasarkan 1 (Commercial Bank Group Based on Core Capital Group 1),
Modal Inti kelompok 1), yaitu bank dengan modal inti di bawah which includes banks with core capital below IDR6 trillion,
Rp6 triliun, bersama 70 bank lainnya. along with 70 other banks.
Pangsa pasar Bank di industri perbankan nasional saat ini masih Although the Bank’s market share in the national banking
relatif kecil, namun demikian, Bank Artha Graha Internasional industry remains relatively small, Bank Artha Graha Internasional
memiliki peran yang cukup besar dalam membantu plays a significant role in supporting economic activity through
menggerakkan perekonomian melalui penyaluran kredit bagi the distribution of credit to businesses-particularly Micro, Small,
dunia usaha, khususnya kalangan Usaha Mikro, Kecil, dan and Medium Enterprises (MSMEs-as well as in stimulating
Menengah (UMKM) dan juga mendorong konsumsi melalui consumer spending through its consumer credit products.
produk kredit konsumer yang ditawarkan Bank.
Dalam Miliar Rupiah
In Billion Rupiah
Uraian Kategori Kategori
2024 2023 2024 2023
Description Category Category
Bank Umum
12.460.955 11.765.838 KBMI 1 1.447.348 1.377.863
Commercial Bank
BAGI 30.126 26.104 BAGI 30.126 26.104
Aset
Pangsa Pasar BAGI Pangsa Pasar BAGI
Assets
terhadap Bank umum terhadap KBMI 1
BAGI’s Market Share 0,24% 0,22% BAGI’s Market Share 2,08% 1,89%
Compared to Commercial Compared to KBMI 1
Banks Banks
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Dalam Miliar Rupiah
In Billion Rupiah
Uraian Kategori Kategori
2024 2023 2024 2023
Description Category Category
Bank Umum
7.827.148 7.090.243 KBMI 1 804.546 751.536
Commercial Bank
Kredit BAGI 10.605 12.147 BAGI 10.605 12.147
Credit Pangsa Pasar BAGI Pangsa Pasar BAGI
terhadap Bank umum terhadap KBMI 1
1,32% 0,17% 1,32% 1,62%
BAGI’s Market Share to BAGI’s Market Share to
Commercial Banks KBMI 1 Banks
Bank Umum
8.837.242 8.457.929 KBMI 1 974.815 918.307
Commercial Bank
BAGI 23.891 20.632 BAGI 23.891 20.632
DPK
Pangsa Pasar BAGI Pangsa Pasar BAGI
terhadap Bank umum terhadap KBMI 1
0.27% 0,24% 2,45% 2,25%
BAGI’s Market Share to BAGI’s Market Share to
Commercial Banks Commercial Banks
P R O S P E K U S A H A D A N S T R AT E G I BUSINESS PROSPECT AND DEVELOPMENT
PENGEMBANGAN BISNIS STRATEGY
Prospek Usaha Business Prospect
Perekonomian global pada 2025 masih dihadapkan dengan The global economy in 2025 continues to face heightened risks
meningkatnya risiko dan ketidakpastian. Hal ini sejalan dengan and uncertainties. This is in line with the ongoing economic
perbaikan ekonomi di negara maju yang dibayangi oleh inflasi, recovery in developed countries, which remains overshadowed
berlanjutnya ketegangan geopolitik di Eropa dan Timur Tengah, by inflation, ongoing geopolitical tensions in Europe and
fragmentasi geo-ekonomi, kebijakan perdagangan yang masih the Middle East, geo-economic fragmentation, trade policy
perlu dicermati dan tingginya nilai tukar dolar Amerika. Berbagai challenges, and the persistently strong U.S. dollar. These various
tantangan tersebut mendorong makin pentingnya upaya challenges underscore the increasing importance of inflation
pengendalian inflasi, konsolidasi fiskal, koordinasi kebijakan control efforts, fiscal consolidation, coordinated monetary
moneter dan fiskal, serta komunikasi kebijakan guna memperkuat and fiscal policies, and effective policy communication to
stabilitas makroekonomi dan mendukung pertumbuhan ekonomi. strengthen macroeconomic stability and support economic
IMF dalam World Economic Outlook yang dirilis pada Januari growth. According to the International Monetary Fund (IMF) in
2025 memperkirakan bahwa pertumbuhan ekonomi global di its World Economic Outlook released in January 2025, global
2025 akan mulai meningkat menjadi 3,3% atau sedikit meningkat economic growth in 2025 is projected to increase slightly to
dengan prediksi capaian 3,2% di 2024. 3.3%, up from the estimated 3.2% in 2024.
Meskipun dinamika ketegangan geopolitik masih perlu Despite continued geopolitical tensions, the trend of declining
diperhatikan, tren penurunan suku bunga kebijakan negara policy interest rates in developed countries—particularly the
maju, terutama AS, diperkirakan akan berlanjut. Untuk menjaga United States-is expected to persist. To maintain stability and
stabilitas dan mendukung pertumbuhan ekonomi, respons support economic growth, policy responses aimed at mitigating
kebijakan untuk mengurangi dampak rambatan global tentunya global spillover effects must be carried out cautiously by all
diperlukan kehati-hatian oleh para pemangku kepentingan, stakeholders, including efforts to attract foreign capital flows
termasuk dalam hal mendorong aliran modal asing dan and strengthen exchange rate stability.
memperkuat stabilitas nilai tukar.
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Namun di tengah dinamika risiko perekonomian global, Amid these global economic risks, Indonesia’s economy is
perekonomian Indonesia diproyeksikan tetap baik. Perekonomian projected to remain strong. Domestic economic growth in
domestik pada 2025 diprakirakan dapat tumbuh di atas 5,0% 2025 is forecast to exceed 5.0% (YoY), continuing the positive
(yoy), melanjutkan kinerja positif selama 2024 yang didorong oleh performance from 2024, driven by household consumption and
konsumsi rumah tangga dan investasi. Pertumbuhan konsumsi investment. Household consumption remains robust, especially
rumah tangga tetap terjaga, khususnya untuk kelas menengah among the middle to upper-income segments. Investment
ke atas. Investasi terus tumbuh seiring penyelesaian berbagai is expected to grow, supported by the completion of various
Proyek Strategis Nasional (PSN), termasuk Ibu Kota Nusantara National Strategic Projects (PSN), including the development
(IKN). Kinerja ekspor nonmigas diprakirakan meningkat, didorong of the new capital city, Ibu Kota Nusantara (IKN). Non-oil and
produk manufaktur dan pertambangan. gas exports are also projected to increase, particularly in
manufacturing and mining products.
Ke depan, peningkatan aktivitas perekonomian Indonesia Looking ahead, Indonesia’s economic activity is expected
diprakirakan akan terus berlanjut dengan proyeksi pertumbuhan to continue to expand, with a projected growth rate of 5.2%
sebesar 5,2% (yoy) di 2025. Namun hal ini tentunya perlu (YoY) in 2025. This growth must be supported by strengthened
didukung antara lain dari penguatan permintaan domestik domestic demand and structural reforms aimed at increasing
dan reformasi struktural guna mendukung peningkatan productivity and reinforcing the economic growth structure,
produktivitas dan penguatan struktur pertumbuhan ekonomi, particularly in sectors with high labor absorption and added
termasuk sektor ekonomi yang dapat menyerap tenaga kerja value.
dan memiliki nilai tambah yang tinggi.
Sedangkan stabilitas sektor jasa keuangan nasional pada 2025 In parallel, the stability of the national financial services
juga diharapkan akan tetap terjaga, di tengah pelonggaran sector is expected to remain intact in 2025, amid a more
kebijakan moneter yang didukung oleh permodalan yang accommodative monetary policy stance supported by strong
kuat, likuiditas yang memadai, profil risiko yang manageable, capitalization, adequate liquidity, manageable risk profiles,
serta kinerja sektor jasa keuangan yang tumbuh positif. Kinerja and continued positive performance of the financial services
industri perbankan nasional juga diperkirakan terjaga stabil, sector. The performance of Indonesia’s banking industry is also
didukung oleh tingkat permodalan atau CAR perbankan projected to remain stable, backed by strong capital adequacy
yang tetap kuat, kinerja intermediasi yang masih dalam tren (CAR), continued positive trends in financial intermediation, and
pertumbuhan yang positif, serta penghimpunan Dana Pihak moderate growth in third-party funds (DPK) collection.
Ketiga (DPK) perbankan yang masih tumbuh moderat.
Dalam industri perbankan, perkembangan transaksi dan layanan Within the banking industry, digital banking transactions
digital banking terus berkembang mendukung kemudahan and services continue to evolve, facilitating easier economic
transaksi ekonomi. Pesatnya perkembangan teknologi digital transactions. The rapid advancement of digital technology and
dan internet serta perubahan pola belanja masyarakat turut internet access, combined with shifting consumer spending
mendorong perkembangan digital banking. Dalam satu dekade habits, have significantly driven the growth of digital banking.
terakhir, perkembangan transaksi Automatic Teller Machine Over the past decade, there has been a consistent increase
(Anjungan Tunai Mandiri), kartu debit, kartu kredit, dan uang in transactions involving ATMs, debit cards, credit cards, and
elektronik menunjukkan tren peningkatan. Nilai transaksi digital e-money. The total value of digital banking transactions is
banking diperkirakan terus meningkat. Data BI menunjukkan expected to continue rising, with Bank Indonesia data showing
pada tahun 2024 telah mencapai 43,5 miliar transaksi, tumbuh 43.5 billion transactions in 2024—an increase of 36.6% YoY.
36,6% (yoy). Kemudahan sumber pendanaan juga menjadi Additionally, the ease of funding access has made fintech
daya tarik perusahaan fintech sebagai alternatif pinjaman bank. companies an increasingly attractive alternative to conventional
bank loans.
Dalam menghadapi tahun 2025, Bank akan terus menerus As the Bank faces 2025, it will continue to adopt prudent business
menerapkan pertumbuhan bisnis secara prudent, efisiensi biaya growth strategies, cost efficiency measures, and optimal use of
dan optimalisasi sumber daya yang dimiliki untuk meraih target available resources to achieve its set targets, while maintaining
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yang ditetapkan oleh Bank, serta fokus kepada Human Capital. a strong focus on Human Capital. The acquisition of one million
Proses akuisisi 1 juta nasabah merupakan target yang hendak customers is a key milestone the Bank aims to reach, aligned
dicapai oleh Bank seiring dengan akselerasi transformasi digital with the acceleration of its digital banking transformation, as the
banking dimana rencana strategis Bank telah berada pada Bank moves into the stage of Sustainable Business Expansion.
tahapan Sustainable Business Expansion.
Bank berkeinginan untuk terus tumbuh menjadi lebih baik Bank Artha Graha Internasional aspires to continuously grow
dan mengambil peran sebagai agent of development bagi stronger and fulfill its role as an agent of development within
industri perbankan di Indonesia. Pada tahun 2025, Bank akan the Indonesian banking industry. In 2025, the Bank will
senantiasa bergerak pada koridor ketentuan yang ada, dengan consistently operate within the regulatory framework, seize
sigap meraih peluang serta berpegang pada prinsip kehati- opportunities proactively, uphold prudent banking principles,
hatian dan memperhatikan kesehatan Bank dan selalu berupaya prioritize financial health, and strive for ever-improving results.
mencapai hasil yang semakin maksimal.
Strategi Pengembangan Bisnis Business Development Strategy
Bank telah menyusun beberapa inisiatif strategi untuk The Bank has formulated several strategic initiatives to anticipate
mengantisipasi, mengatasi tantangan dan meraih peluang and address challenges while seizing growth opportunities
pertumbuhan dari dinamika kondisi perekonomian global arising from the dynamic global and national economic
maupun nasional di tahun mendatang. Beberapa inisiatif landscape in the coming year. These initiatives include:
tersebut mencakup:
1. Diversifikasi produk pembiayaan melalui implementasi 1. Diversifying financing products through the implementation
digital lending untuk keperluan konsumtif maupun modal of digital lending for both consumer and working capital
kerja dengan pemanfaatan Big-Data analytic serta scoring needs, utilizing Big-Data analytics and a credit scoring
engine. engine.
2. Melakukan penyaluran/pembiayaan kredit melalui 2. Disbursing/providing credit through cooperative channeling
chanelling koperasi untuk meningkatkan sektor mikro to enhance support for the micro and SME sectors.
dan UMKM.
3. Pengembangan bisnis ke supply chain financing & 3. Expanding into supply chain financing and distributor
distributor financing dari debitur eksisting maupun debitur financing for both existing and new debtors, by increasing
baru dengan meningkatkan transaksi pembayaran baik payment transactions through both offline and online
offline maupun online. channels.
4. Fokus pada penghimpunan dana murah berbasis mobile 4. Focusing on low-cost fund mobilization via mobile-based
yang terhubung dengan e-Commerce, fintech, dan platforms integrated with e-commerce, fintech, and
merchant. Produk pendanaan seperti tabungan milenial, merchants. Funding products include millennial savings,
tabungan masa depan, produk investasi, tabungan emas future savings, investment products, gold savings, and
dan lain-lain. others.
5. Akselerasi kolaborasi dengan mitra bisnis, baik dari 5. Accelerating collaboration with business partners in both
penghimpunan dan penyaluran dana, untuk mendorong fund collection and distribution to drive customer acquisition
akuisisi nasabah dan transaksi melalui integrasi sistem and transaction volume through technology-based system
berbasis teknologi dalam kaitan membangun ekosistem integration, in support of building a digital ecosystem.
digital.
6. Melakukan cross selling dan value chain financing dengan 6. Implementing cross-selling and value chain financing across
jaringan usaha yang dimiliki AG Network dan nasabah/ AG Network’s business entities and existing customers/
debitur eksisting guna menambah customer base Bank. debtors to expand the Bank’s customer base. Business
Intensifikasi bisnis menggunakan sistem closed loop yang intensification will be conducted through a low-risk closed-
berisiko rendah, melihat besarnya peluang pasar ritel di loop system, in view of the large potential in the retail market
tahun 2030. by 2030.
7. Peningkatan fee based income melalui komisi dan biaya 7. Increasing fee-based income through commissions and
administrasi, transactional banking, transaksi valuta asing, administrative fees, transactional banking, foreign exchange
trade finance, kolaborasi dengan perusahaan Fintech transactions, trade finance, collaboration with fintech
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Payment & e-Commerce, penjualan produk bancassurance payment and e-commerce companies, bancassurance
dan transaksi yang dibangun dari kerjasama pihak ketiga product sales, and transaction activities established through
maupun pengembangan channel milik Bank. third-party partnerships or the Bank’s channels.
8. Pengembangan kompetensi SDM dengan meningkatkan 8. Enhancing human resource competencies by improving
product knowledge dan selling skill dari seluruh tim product knowledge and selling skills across the entire
marketing Konsumer. consumer marketing team.
9. Optimalisasi tenaga sales di Cabang untuk berkontribusi 9. Optimizing sales personnel at branch offices to contribute to
dalam meningkatkan portofolio kredit melalui percepatan credit portfolio growth by accelerating the approval process
proses persetujuan, pemberian program insentif dan and offering competitive incentive programs and pricing.
pricing yang kompetitif.
10. Perbaikan Bisnis proses penyaluran & administrasi kredit. 10. Improving the business process for credit disbursement
and administration.
TINJAUAN PER SEGMEN OPERASI OPERATING SEGMENT REVIEW
Segmen operasi adalah komponen dari Bank yang terlibat An operating segment is a component of the Bank that engages
dalam aktivitas bisnis yang menghasilkan pendapatan dan in business activities from which it may earn revenue and
menimbulkan beban, termasuk pendapatan dan beban yang incur expenses, including revenues and expenses relating to
terkait dengan transaksi dengan komponen lain Bank, dimana transactions with other components of the Bank. The operating
hasil operasinya dikaji ulang secara berkala oleh Direksi Bank results of each segment are reviewed regularly by the Bank’s
untuk membuat keputusan mengenai sumber daya yang akan Board of Directors to make decisions regarding the allocation of
dialokasikan pada segmen tersebut dan menilai kinerjanya, resources to the segment and to assess its performance, and for
serta tersedia informasi keuangan yang dapat dipisahkan. which discrete financial information is available. The segment
Hasil segmen yang dilaporkan kepada Direksi Bank meliputi results reported to the Bank’s Board of Directors include items
komponen-komponen yang dapat didistribusikan secara that are directly attributable to a segment as well as those
langsung kepada suatu segmen dan komponen-komponen that can be allocated on a reasonable basis. Unallocated
yang dapat dialokasikan dengan dasar yang wajar. Komponen components mainly consist of income tax assets and liabilities,
yang tidak dapat dialokasikan terutama terdiri dari aset dan including current and deferred taxes, and fixed assets.
liabilitas pajak penghasilan, termasuk pajak kini dan pajak
tangguhan serta aset tetap.
Bank menerapkan PSAK No. 5 (Revisi 2009), “Segmen Operasi”. The Bank applies PSAK No. 5 (Revised 2009), “Operating
PSAK revisi ini mengatur pengungkapan yang memungkinkan Segments.” This revised standard requires disclosures that
pengguna laporan keuangan untuk mengevaluasi sifat dan enable users of financial statements to evaluate the nature and
dampak keuangan dari aktivitas bisnis dimana entitas terlibat financial effects of the business activities in which the entity is
dan lingkungan ekonomi di mana entitas beroperasi. engaged and the economic environments in which it operates.
Bank memiliki 4 (empat) pelaporan segmen. Di bawah ini The Bank has 4 (four) reportable segments. The following
merupakan penjelasan mengenai operasi dari masing-masing describes the operations of each reportable segment:
pelaporan segmen yang dimiliki oleh Bank:
1. Produktif - termasuk pinjaman yang diberikan kepada sektor 1. Productive - includes loans granted to productive sectors,
produktif, diantaranya, kredit modal kerja dan investasi. such as working capital loans and investment loans.
2. Konsumtif - termasuk pinjaman yang diberikan untuk 2. Consumer - includes loans granted for personal
keperluan konsumtif. consumption purposes.
3. Treasuri - segmen ini terkait dengan kegiatan treasuri 3. Treasury - this segment includes the Bank’s treasury
Bank termasuk transaksi money market, trade finance, activities such as money market transactions, trade finance,
valuta asing, dan surat berharga. foreign exchange transactions, and securities.
4. Lain-lain - termasuk aktivitas back office dan divisi yang 4. Others - includes back-office operations and divisions that
tidak menghasilkan laba. do not generate profit.
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Selain itu, Bank juga melaporkan segmen geografis yang Moreover, the Bank also reports geographical segments which
dibedakan dalam menghasilkan jasa pada lingkungan (wilayah) are differentiated based on the provision of services in specific
ekonomi tertentu dan komponen itu memiliki risiko dan imbalan economic environments (regions), where each component has
yang berbeda dengan risiko dan imbalan pada komponen yang different risks and returns compared to components operating
beroperasi pada lingkungan (wilayah) ekonomi lain. in other economic environments.
Bank melaporkan segmen geografis berdasarkan daerah The Bank reports geographical segments by region: Jakarta,
Jakarta, Jawa, Sumatra, Sulawesi, Kalimantan, Indonesia Java, Sumatra, Sulawesi, Kalimantan, Eastern Indonesia, and
wilayah timur dan lainnya. others.
Adapun kinerja dari keempat segmen operasi tersebut untuk The performance of these four operating segments for the
tahun 2024 dan 2023 adalah sebagai berikut: years 2024 and 2023 is presented as follows:
Dalam Jutaan Rupiah
In Million Rupiah
Uraian Produktif Konsumtif Tresuri Lain-Lain Jumlah
Description Productive Consumptive Treasury Others Total
2024
Pendapatan Bunga
874.512 156.570 614.982 - 1.646.064
Interest Income
Jumlah Aset
8.264.968 2.340.510 15.362.193 4.158.722 30.126.393
Total Assets
Cadangan Kerugian Penurunan Nilai
(82.507) (449.398) (1.965) (366.158) (900.028)
Allowance for Impairment Losses
2023
Pendapatan Bunga
883.412 169.791 431.550 - 1.484.753
Interest Income
Jumlah Aset
9.598.720 2.548.648 9.883.790 4.072.453 26.103.611
Total Assets
Cadangan Kerugian Penurunan Nilai
(403.043) (107.593) (1.186) (327.349) (839.171)
Allowance for Impairment Losses
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Dalam Jutaan Rupiah
In Million Rupiah
Non-DPK
Uraian Deposito Giro Tabungan Jumlah
Non-Third Party
Description Time Deposits Demand Deposits Savings Total
Funds
2024
Beban Bunga
(607.282) (59.782) (10.644) (58.287) (735.995)
Interest Expenses
Jumlah Liabilitas
15.538.627 6.517.641 1.834.505 1.895.924 25.786.697
Total Liabilities
2023
Beban Bunga
(397.543) (50.781) (10.515) (43.935) (502.774)
Interest Expenses
Jumlah Liabilitas
12.482.696 6.631.415 1.517.590 1.300.877 21.932.578
Total Liabilities
Pendapatan Bunga Bank Artha Graha Internasional Berdasarkan Segmen
Interest Income of Bank Artha Graha Internasional by Segment
11,44%
9,51%
37,36%
29,06%
2024 2023
59,50%
53,13%
Treasuri Produktif Konsumtif Treasuri Produktif Konsumtif
Treasury Productive Consumer Treasury Productive Consumer
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SEGMEN GEOGRAFIS GEOGRAPHICAL SEGMENT
Bank beroperasi di dua wilayah geografis utama yaitu Daerah The Bank operates in two main geographical areas, the Special
Khusus lbukota Jakarta (DKI Jakarta) dan di luar DKI Jakarta. Capital Region of Jakarta (DKI Jakarta) and areas outside of DKI
Tabel berikut menjelaskan informasi segmen berdasarkan Jakarta. The following table presents segment information by
segmen geografis: geographical segments:
Uraian Jakarta Jawa Sumatra Sulawesi Kalimantan Lainnya Jumlah
Description Jakarta Java Sumatra Sulawesi Kalimantan Others Total
2024
Pendapatan Bunga dan
Operasional Lainnya
1.801.811 45.257 74.138 45.900 28.641 7.902 2.003.649
Interest Income and Other
Operating Income
Beban Bunga dan
Operasional
(1.459.488) (89.120) (150.102) (54.160) (22.492) (31.020) (1.806.382)
Interest Expenses and
Operating Expenses
Laba Operasional
342.323 (43.863) (75.964) (8.260) 6.149 (23.118) 197.267
Operating Profit
Laba Tahun Berjalan
117.427 9.468 21.050 9.000 2.934 (7.405) 152.474
Profit for the Year
Jumlah Aset
24.505.022 1.870.280 2.460.168 648.357 110.484 532.062 30.126.393
Total Assets
2023
Pendapatan Bunga dan
Operasional Lainnya
1.640.952 53.581 44.162 28.987 21.563 8.126 1.797.371
Interest Income and Other
Operating Income
Beban Bunga dan
Operasional
(1.321.104) (82.690) (102.894) (45.651) (16.531) (41.425) (1.610.295)
Interest Expenses and
Operating Expenses
Laba Operasional
319.848 (29.109) (58.732) (16.664) 5.032 (33.299) 187.076
Operating Profit
Laba Tahun Berjalan
146.859 17.050 20.772 (9.325) 3.583 (32.186) 146.753
Profit for the Year
Jumlah Aset
21.588.590 1.447.675 2.018.834 566.357 107.300 374.846 26.103.611
Total Assets
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Pendapatan Bunga Bank Artha Graha Internasional Berdasarkan Segmen Geografis
Interest Income of Bank Artha Graha Internasional by Geographical Segment
2,26% 1,43% 1,61% 1,20%
2,29% 0,39% 2,46% 0,54%
3,70% 2,98%
2024 2023
89,93% 91,30%
Jakarta Sumatra Kalimantan Jakarta Sumatra Kalimantan
Jawa Sulawesi Dan Lain-lain Jawa Sulawesi Dan Lain-lain
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Tinjauan Keuangan
Financial Review
Tinjauan keuangan yang diuraikan berikut mengacu kepada The following financial review refers to the Financial Statements
Laporan Keuangan untuk tahun yang berakhir tanggal 31 for the years ended December 31, 2024, have been audited
Desember 2024 dan telah diaudit oleh Kantor Akuntan Publik by the Public Accounting Firm Kanaka Puradiredja, Suhartono,
Kanaka Puradiredja, Suhartono yang menyatakan opini laporan which expressed an unqualified opinion stating that the
keuangan menyajikan secara wajar dalam semua hal yang financial statements fairly present, in all material respects, the
material, posisi keuangan PT Bank Artha Graha Internasional financial position of PT Bank Artha Graha Internasional Tbk
Tbk pada tanggal 31 Desember 2024, serta kinerja keuangan as of December 31, 2024, as well as its financial performance
dan arus kas untuk tahun yang berakhir pada tanggal tersebut, and cash flows for the year then ended, in accordance with
sesuai dengan Standar Akuntansi Keuangan di Indonesia. Indonesian Financial Accounting Standards.
KINERJA KEUANGAN FINANCIAL PERFORMANCE
Kinerja keuangan Bank Artha Graha Internasional terdiri The financial performance of Bank Artha Graha Internasional
atas kinerja Laporan Posisi Keuangan, Laporan Laba Rugi consists of the performance of the Statement of Financial
dan Penghasilan Komprehensif Lain serta Laporan Arus Kas Position, the Statement of Profit or Loss and Other
disajikan sebagai berikut. Comprehensive Income, and the Statement of Cash Flow,
which are presented as follows.
Laporan Posisi Keuangan dalam jutaan rupiah
Statement of Financial Position in million rupiah
Pertumbuhan / (Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Aset
Assets
Aset Keuangan
26.816.156 22.592.430 4.223.726 18,70
Financial Assets
Aset Non Keuangan
3.310.237 3.511.181 (200.944) (5,72)
Non-Financial Assets
Jumlah Aset
30.126.393 26.103.611 4.022.782 15,41
Total Assets
Liabilitas dan Ekuitas
Liabilities and Equity
Liabilitas Keuangan
25.672.357 21.801.990 3.870.367 17,75
Financial Liabilities
Liabilitas Non Keuangan
114.340 130.588 (16.248) (12,44)
Non-Financial Liabilities
Jumlah Liabilitas
25.786.697 21.932.578 3.854.119 17,57
Total Liabilities
Jumlah Ekuitas
4.339.696 4.171.033 168.663 4,04
Total Equity
Jumlah Liabilitas dan Ekuitas
30.126.393 26.103.611 4.022.782 15,41
Total Liabilities and Equity
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Posisi Keuangan Bank Artha Graha Internasional 2023 - 2024 Dalam Jutaan Rupiah
Bank Artha Graha International Financial Position 2023 - 2024 In Million Rupiah
30.126.393
26.103.611
25.786.697
21.932.578
4.339.696
4.171.033
2024 2023 2024 2023 2024 2023
Aset Liabilitas Ekuitas
Asset Liability Equity
ASET ASSETS
Jumlah aset Bank Artha Graha Internasional per 31 Desember As of December 31, 2024, the total assets of Bank Artha Graha
2024 tercatat sebesar Rp30,12 triliun, meningkat 15,41% dari Internasional amounted to IDR30.12 trillion, an increase of
tahun sebelumnya yang sebesar Rp26,10 triliun. Peningkatan 15.41% from the previous year’s total of IDR26.10 trillion. This
tersebut dikontribusikan oleh naiknya aset keuangan sebesar increase was primarily driven by the rise in financial assets
Rp4,22 triliun. amounting to IDR4.22 trillion.
Aset Keuangan dalam jutaan rupiah
Financial Assets in million rupiah
Pertumbuhan / (Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Kas
769.354 369.134 400.220 108,42
Cash
Giro pada Bank Indonesia
3.024.920 2.658.276 366.644 13,79
Current accounts with Bank Indonesia
Giro pada Bank Lain - Bersih
349.430 338.297 11.133 3,29
Current accounts with Other Banks - Net
Penempatan pada Bank Indonesia dan Bank Lain
2.177.464 711.075 1.466.389 206,22
Placement with Bank Indonesia and Other Banks
Efek-Efek
8.501.562 5.787.414 2.714.148 46,90
Securities
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Aset Keuangan dalam jutaan rupiah
Financial Assets in million rupiah
Pertumbuhan / (Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Wesel Ekspor
166.681 131.863 34.818 26,40
Export Bills
Efek-Efek yang Dibeli dengan Janji Dijual Kembali
976.063 125.469 850.594 677,93
Securities Purchased under Agreements to Resell
Tagihan Derivatif
48 35 13 37,14
Derivative Receivables
Kredit yang Diberikan - Bersih
10.073.572 11.636.733 (1.563.161) (13,43)
Loans - Net
Pendapatan Bunga yang Masih Akan Diterima
253.265 326.422 (73.157) (22,41)
Acceptance Receivables
Tagihan Akseptasi
166.025 131.362 34.663 26,39
Investment in Shares
Penyertaan Saham
6 6 - 0,00
Other Assets
Aset Lain-Lain
357.766 376.344 (18.578) (4,94)
Total Financial Assets
Jumlah Aset Keuangan
26.816.156 22.592.430 4.223.726 18,70
Total Financial Assets
Jumlah aset keuangan Bank tahun 2024 tercatat sebesar In 2024, the Bank’s total financial assets amounted to IDR26.81
Rp26,81 triliun, meningkat 18,70% dari tahun sebelumnya trillion, an increase of 18.70% from the previous year’s figure of
yang sebesar Rp22,59 triliun. Peningkatan tersebut terutama IDR22.59 trillion. This increase was primarily driven by a rise in
dikontribusikan oleh adanya kenaikan efek-efek sebesar Rp2,71 securities to IDR2.71 trillion (2023: IDR5.79 trillion).
triliun (2023: Rp5,79 triliun).
Aset keuangan Bank Artha Graha Internasional tahun 2024 Bank Artha Graha Internasional’s financial assets in 2024 were
utamanya berupa kredit yang diberikan (neto), yaitu mencapai mainly composed of net loans, which accounted for 37.56%
37,56% (2023: 51,51%) dari total aset keuangan. Namun, pada (2023: 51.51%) of total financial assets. In 2024, the total loans
tahun 2024, jumlah kredit yang diberikan Bank menurun disbursed by the Bank decrease by 13.43% from IDR10.07
13,43% dari senilai Rp10,07 triliun pada tahun 2024 dari sebesar trillion in 2023 from IDR11.64 trillion in 2023.
Rp11,64 triliun di tahun 2023.
Berdasarkan tujuan penggunaan, kredit Bank diklasifikasikan Based on the purpose of use, the Bank’s loans are classified
menjadi kredit produktif, konsumtif, dan lain-Iain dengan into productive loans, consumer loans, and others, with the
penjelasan sebagai berikut: following descriptions:
1. Kredit produktif diberikan kepada individu atau perusahaan 1. Productive Loans are provided to individuals or companies
pada segmen UMKM, Komersial, dan Korporasi untuk in the MSMEs, Commercial, and Corporate segments
keperluan modal kerja atau investasi dalam bentuk fasilitas for working capital or investment purposes in the form
Revolving Loan, Fixed Loan, Supply Chain Financing, of Revolving Loan, Fixed Loan, Supply Chain Financing,
Pinjaman Rekening Koran, Money Market Line, Negosiasi Current Account Loan, Money Market Line, Negotiated
Wesel Ekspor, Kredit Ekspor, Trust Receipt, Advances Under Export Notes, Export Credit, Trust Receipt, Advances Under
L/C, Clean Bills Purchased. L/C, Clean Bills Purchased.
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2. Kredit Konsumtif terdiri dari Kredit Kepemilikan Rumah 2. Consumer Loans consist of Home Ownership Loans (KPR
(KPR Graha), KPR AsyiG, Kredit Tanpa Agunan (KTA), Kredit Graha), KPR AsyiG, Collateralless Credit (KTA), Housing
Kepemilikan Rumah Fasilitas Likuiditas Pembiayaan Perumahan Finance Liquidity Facility Mortgage (KPR FLPP), and Motor
(KPR FLPP), dan Kredit Kendaraan Bermotor (KKB). Vehicle Loans (KKB).
3. Lain-lain mencakup Letter of Credit, Standby Letter of 3. Others include a Letter of Credit, Standby Letter of Credit,
Credit, Shipping Guarantee, Custom Guarantee, dan Shipping Guarantee, Custom Guarantee, and foreign
Foreign Exchange Contact. exchange contact.
Perkembangan penyaluran kredit tersebut dalam dua tahun The loan disbursement over the past two years is as follows:
terakhir adalah sebagai berikut:
dalam jutaan rupiah
in million rupiah
Pertumbuhan/ (Penurunan)
2024 2023
Uraian Growth / (Decline)
Description
Jumlah Komposisi (%) Jumlah Komposisi (%)
Rp %
Total Composition (%) Total Composition (%)
Kredit Produktif
8.264.969 77,93 9.598.721 79,02 (1.291.419) (13,45)
Productive Loans
Kredit Konsumtif
2.340.510 22,07 2.548.648 20,98 (250.471) (9,83)
Consumer Loans
Jumlah
10.605.479 100 12.147.369 100 (1.541.890) (12,69)
Total
Pada tahun 2024, penyaluran kredit produktif mencatatkan In 2024, the disbursement of productive loans recorded an
penurunan sebesar 13,45% menjadi sebesar Rp8,31 triliun decrease of 13.45%, reaching IDR8.31 trillion, up from IDR9.60
dari Rp9,60 triliun di tahun sebelumnya dan penyaluran kredit trillion in the previous year and the disbursement of consumer
konsumtif mencatatkan penurunan 9,83% menjadi sebesar loans recorded an decrease of 9.83%, amounting to IDR2.30
Rp2,30 triliun dari tahun sebelumnya sebesar Rp2,55 triliun. trillion, compared to IDR2.55 trillion in the previous year.
Aset Non Keuangan dalam jutaan rupiah
Non-Financial Asset in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Biaya Dibayar di Muka
122.810 144.641 (21.831) (15,09)
Prepaid Expenses
Aset Tetap - Bersih
2.123.376 2.127.797 (4.421) (0,21)
Fixed Assets - Net
Aset Tak Berwujud - Bersih
25.487 31.873 (6.386) (20,04)
Intangible Assets - Net
Agunan yang Diambil Alih - Bersih
808.883 936.110 (127.227) (13,59)
Foreclosed Assets - Net
Aset Pajak Tangguhan
229.681 270.760 (41.079) (15,17)
Deferred Tax Assets
Jumlah Aset Non Keuangan
3.310.237 3.511.181 (200.944) (5,72)
Total Non-Financial Assets
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Jumlah aset non keuangan Bank tahun 2024 tercatat sebesar The total non-financial assets of the Bank in 2024 were recorded
Rp3,31 triliun, lebih rendah dibandingkan tahun sebelumnya at IDR3.31 trillion, lower than the previous year’s total of IDR3.51
yang sebesar Rp3,51 triliun. Penurunan jumlah aset non trillion. The decrease in non-financial assets was primarily due
keuangan tersebut terutama disebabkan oleh karena adanya to a reduction in the nominal value of seized collateral - net,
penurunan nominal pada akun agunan yang diambil alih - amounting to IDR127.22 billion, equivalent to 13.59%.
bersih sebesar Rp127,22 miliar setara dengan 13,59%.
LIABILITAS LIABILITIES
Jumlah liabilitas Bank Artha Graha Internasional per 31 As of December 31, 2024, the total liabilities of Bank Artha
Desember 2024 tercatat sebesar Rp25,7 triliun, meningkat Graha Internasional amounted to IDR25.7 trillion, an increase
17,57% dari tahun sebelumnya yang senilai Rp21,93 triliun. of 17.57% from the previous year’s figure of IDR21.93 trillion.
Hal ini terutama disebabkan oleh naiknya liabilitas keuangan This was primarily driven by an increase in financial liabilities
sebesar 17,75%. of 17.57%.
Liabilitas Keuangan dalam jutaan rupiah
Financial Liabilities in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Liabilitas Segera
115.621 95.711 19.910 20,80
Liabilities Due Immediately
Simpanan dari Nasabah
23.890.773 20.631.701 3.259.072 15,80
Deposits from Customers
Simpanan dari Bank Lain
452.454 336.958 115.496 34,28
Deposits from Other Banks
Liabilitas efek yang dijual dengan janji dijual kembali
499.281 - 499.281 100,00
Liabilities from Securities Sold under Repurchase Agreements
Liabilitas Derivatif
- 1.057 (1.057) (100,00)
Derivative Liabilities
Liabilitas Akseptasi
166.682 131.863 34.819 26,41
Acceptance Liabilities
Bunga Masih Harus Dibayar
35.100 26.693 8.407 31,50
Accrued Interest Payable
LTN Subordinasi
200.000 200.000 - 0,00
Subordinated LTN
Liabilitas Lain-Lain
312.446 378.007 (65.561) (17,34)
Other Liabilities
Jumlah Liabilitas Keuangan
25.672.357 21.801.990 3.870.367 17,75
Total Financial Liabilities
Jumlah liabilitas keuangan Bank Artha Graha Internasional per As of December 31, 2024, the total financial liabilities of Bank
31 Desember 2024 tercatat sebesar Rp25,67 triliun, meningkat Artha Graha Internasional amounted to IDR25.67 trillion, an
17,75% dari tahun sebelumnya yang senilai Rp21,80 triliun, increase of 17.75% from the previous year’s figure of IDR21.80
terutama disebabkan oleh naik simpanan dari nasabah sebesar trillion. This change was primarily due to the increase in
Rp3,26 triliun dan lialibilitas efek yang dijual dengan janji dijual deposits from other banks by IDR3.26 trilion and deposits from
kembali sebesar Rp499,28 miliar. customers by IDR499.28 billion.
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Adapun simpanan dari nasabah pada tahun 2024 tercatat Deposits from customers in 2024 stood at IDR23,89 trillion, an
sebesar Rp23,89 triliun, meningkat 15,80% dari tahun increase of 15,80% from IDR20.63 trillion in the previous year.
sebelumnya senilai Rp20,63 triliun. Peningkatan jumlah saldo The increase in customer deposit balances in 2024 was driven
simpanan nasabah tahun 2024 disebabkan oleh naiknya by a rise in time deposits, which grew by IDR3,05 trillion or
deposito hingga sebesar Rp3,05 triliun atau tumbuh 15,80%. 15,80%.
Simpanan Nasabah dalam jutaan rupiah
Customer Deposits in million rupiah
Pertumbuhan/ (Penurunan)
2024 2023
Uraian Growth / (Decline)
Description
Jumlah Komposisi (%) Jumlah Komposisi (%)
Rp %
Total Composition (%) Total Composition (%)
Giro
6.517.641 27,28 6.631.415 32,14 (113.774) (1,72)
Demand Deposits
Tabungan
1.834.505 7,68 1.517.590 7,36 316.915 20,88
Savings
Deposito
15.538.627 65,04 12.482.696 60,50 3.055.931 24,48
Time Deposits
Jumlah Dana Pihak Ketiga
23.890.773 100,00 20.631.701 100,00 3.259.072 15,80
Total Third-Party Funds
CASA
8.352.146 34,96 8.149.005 39,50 203.141 2,49
CASA
Bank terus berupaya untuk meningkatkan porsi Current Account The Bank continues to make efforts to increase the proportion
Saving Account (CASA) dalam struktur pendanaannya. Tahun of Current Account Saving Account (CASA) in its funding
2024, rasio CASA Bank mengalami penurunan sebesar structure. In 2024, the Bank’s CASA ratio decreased by 4.54%
4,54% dari tahun sebelumnya yang sebesar 39,50%. Hal from the previous year’s 39.50%. This was due to a significant
tersebut dikarenakan adanya peningkatan total DPK yang increase in total third-party funds (DPK), which reached
cukup signifikan yaitu sebesar Rp3,26 triliun dibandingkan IDR3.26 trillion compared to 2023. However, in nominal terms,
dengan tahun 2023. Namun, secara nominal CASA terdapat CASA saw an increase of IDR203 billion, or a growth of 2.49%,
peningkatan sebesar Rp203 miliar atau tumbuh 2,49% yang driven by a rise in savings deposits of IDR316.9 billion, while
disebabkan oleh kenaikan pada komposisi tabungan sebesar current accounts decreased by IDR113.7 billion. As part of
Rp316,9 miliar, sedangkan giro turun sebesar Rp113,7 miliar. efforts to increase CASA, in 2024, the Bank implemented a
Dalam rangka berupaya meningkatkan CASA, pada tahun strategy to remain actively engaged in maximizing collaboration
2024 Bank menjalankan strategi tetap aktif memaksimalkan with business partners through B2B2C cooperation, including
kolaborasi dengan mitra bisnis melalui kerjasama B2B2C, with micro, medium, and large businesses in utilizing the Bank’s
baik itu pelaku usaha mikro, menengah dan besar dalam QRIS Acquirer services.
penggunaan layanan QRIS Acquirer milik Bank.
Peran cabang Bank masih tetap diperlukan sebagai jembatan The Bank’s branches continue to play a vital role as a bridge
untuk mengakuisisi nasabah secara offline. Diharapkan event- for acquiring customers offline. Events held by branches-either
event yang diselenggarakan oleh cabang, baik itu inisiatif dari through their own initiatives or in collaboration with business
cabang maupun kolaborasi dengan mitra bisnis dapat berperan partners-are expected to support the growth of funding and
serta dalam mendorong peningkatan pendanaan dan jumlah the number of partnering customers. In addition, customer
nasabah yang bekerja sama. Selain itu, dorongan melalui acquisition and transaction programs will continue to be
program akuisisi dan transaksi akan terus dilakukan guna menarik promoted to encourage customers to use the Bank’s channels
minat nasabah untuk bertransaksi melalui channel Bank. for their transactions.
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Liabilitas Non Keuangan dalam jutaan rupiah
Non-Financial Liabilities in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Utang Pajak
15.189 11.713 3.476 29,68
Tax Payables
Liabilitas lmbalan Pasca Kerja
99.151 118.875 (19.724) (16,59)
Post-Employment Benefit Liabilities
Jumlah Liabilitas Non Keuangan
114.340 130.588 (16.248) (12,44)
Total Non-Financial Liabilities
Liabilitas non-keuangan Bank tahun 2024 tercatat sebesar The Bank’s non-financial liabilities in 2024 amounted to IDR114
Rp114 miliar, turun 12,44% dari tahun sebelumnya yang billion, an decrease of 12.44% from the previous year’s figure
sebesar Rp131 miliar. Penurunan tersebut dikontribusikan oleh of IDR131 billion. This decrease was attributed to the rise/fall in
berkurangnya saldo liabilitas imbalan pasca kerja sebesar the balance of post-employment benefit liabilities by 16.59%,
16,59% atau setara dengan Rp19,7 miliar. equivalent to IDR19.7 billion.
Ekuitas dalam jutaan rupiah
Equity in million rupiah
Pertumbuhan/ (Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Modal Saham
2.242.372 2.242.372 - 0,00
Share Capital
Tambahan Modal Disetor
415.285 415.285 - 0,00
Additional Paid-in Capital
Revaluasi Aset Tetap
1.379.822 1.379.822 - 0,00
Revaluation of Fixed Assets
Pengukuran Kembali Program Imbalan Pasti setelah Dikurangi
Pajak 78.699 61.575 17.124 27,81
Remeasurement of Defined Benefit Plans, Net of Tax
Keuntungan yang Belum Direalisasi atas Perubahan Nilai Wajar
Efek-Efek yang Tersedia untuk Dijual setelah Pajak
1.407 2.342 (935) (39,92)
Unrealized Gains on Changes in Fair Value of Available-for-Sale
Securities, Net of Tax
Saldo Laba
222.111 69.637 152.474 218,96
Retained Earnings
Jumlah Ekuitas
4.339.696 4.171.033 168.663 4,04
Total Equity
Jumlah ekuitas Bank per 31 Desember 2024 tercatat sebesar As of December 31, 2024, the Bank’s total equity stood at
Rp4,34 triliun, meningkat 4,04% dari tahun sebelumnya yang IDR4.34 trillion, an increase of 4.04% from the previous year’s
senilai Rp4,17 triliun. Peningkatan ekuitas terjadi karena Bank IDR4.17 trillion. The increase in equity was driven by the Bank’s
mencatatkan laba tahun berjalan hingga sebesar Rp152,47miliar. profit for the year, which amounted to IDR152.47 billion.
In 2024, the Bank recorded total interest income of IDR1.65
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Laporan Laba Rugi Dan Penghasilan Komprehensif Lain dalam jutaan rupiah
Statement of Profit or Loss and Other Comprehensive Income in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Pendapatan Bunga
1.646.064 1.484.753 161.311 10,86
Interest Income
Beban Bunga
(735.995) (502.774) (233.221) 46,39
Interest Expenses
Pendapatan Bunga - Neto
910.069 981.979 (71.910) (7,32)
Interest Income - Net
Pendapatan Operasional Lainnya - Neto
357.585 312.618 44.967 14,38
Other Operating Income - Net
Beban Operasional Lainnya
(1.070.387) (1.107.521) 37.134 (3,35)
Other Operating Expenses
Laba (Rugi) Operasional
197.267 187.076 10.191 5,45
Operating Profit (Loss)
Pendapatan (Beban) Non-Operasional
(7.512) (3.719) (3.793) 101,99
Non-Operating Income (Expense)
Laba (Rugi) Sebelum Beban Pajak
189.755 183.357 6.398 3,49
Profit (Loss) Before Tax Expense
Beban Pajak
(37.281) (36.604) (677) 1,85
Tax Expenses
Laba (Rugi) Tahun Berjalan
152.474 146.753 5.721 3,90
Profit (Loss) for the Year
Jumlah Penghasilan Komprehensif Tahun Berjalan
16.189 19.910 (3.721) (18,69)
Total Comprehensive Income for the Year
Jumlah Laba (Rugi) Komprehensif
168.663 166.663 2.000 1,20
Total Comprehensive Income (Loss)
Laba per Saham Dasar (dalam angka penuh)
7,54 7,26 0,28 3,86
Basic Earnings per Share (in full amount)
Pendapatan Bunga dalam jutaan rupiah
Interest Income in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Kredit yang Diberikan
1.031.081 1.053.203 (22.122) (2,10)
Loans Disbursed
Efek-Efek
476.778 331.975 144.803 43,62
Securities
Wesel Ekspor
8.229 4.887 3.342 68,39
Export Bills
Penempatan pada Bank Indonesia
114.697 89.488 25.209 28,17
Placements with Bank Indonesia
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Pendapatan Bunga dalam jutaan rupiah
Interest Income in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Penempatan pada Bank Lain dan lain-lain
15.279 5.200 10.079 193,83
Placements with Other Banks and Others
Jumlah Pendapatan Bunga
1.646.064 1.484.753 161.311 10,86
Total Interest Income
Pada tahun 2024, Bank membukukan pendapatan bunga total trillion, an increase of 10.86% from the previous year’s IDR1.48
sebesar Rp1,65 triliun, naik 10,86% dari tahun sebelumnya yang trillion. This increase in interest income was primarily driven by
sebesar Rp1,48 triliun. Kenaikan pendapatan bunga utamanya a rise in income from placements in securities, which grew by
dikontribusikan oleh adanya peningkatan pendapatan dari IDR144.80 billion or 43.62%, reaching a total of IDR476.78
penempatan pada efek-efek sebesar Rp144,80 miliar atau naik billion compared to IDR331.97 billion in the previous year.
43,62% menjadi total sebesar Rp476,78 miliar dibandingkan
dengan tahun sebelumnya yang tercatat sebesar Rp331,97 In 2024, Bank Artha Graha Internasional’s total interest expense
miliar.
Beban Bunga dalam jutaan rupiah
Interest Expense in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Simpanan Nasabah 677.709 458.840 218.869 47,70
Deposits form Customers
Dana Kelolaan Tidak Kena Pajak 16.940 18.674 (1.734) (9,29)
Non-Taxable Managed Funds
Simpanan dari Bank Lain 22.346 6.260 16.086 256,96
Deposits from Other Banks
LTN Subordinasi I Tahap I 19.000 19.000 - 0,00
LTN Subordinated I Phase I
Jumlah Beban Bunga
735.995 502.774 233.221 46,39
Total Interest Expenses
Jumlah beban bunga Bank Artha Graha Internasional tahun amounted to IDR736 billion, an increase of 46.39% from
2024 tercatat sebesar Rp736 miliar, naik 46,39% dari tahun IDR503 billion in the previous year. This increase was primarily
sebelumnya sebesar Rp503 miliar. Peningkatan beban bunga driven by the rise in interest expense on customer deposits,
tersebut utamanya dikontribusikan oleh naiknya beban bunga which increased by IDR219 billion or 47.70% to IDR678 billion,
simpanan nasabah sebesar Rp219 miliar atau 47,70% menjadi and the rise in interest expense on deposits from other banks,
sebesar Rp678 miliar dan naiknya beban simpanan dari bank which grew by IDR16 billion or 256.96% to IDR22.3 billion from
lain sebesar Rp16 miliar atau 256,96% menjadi sejumlah Rp22,3 IDR6.26 billion in 2023.
miliar dari tahun 2023 yang tercatat senilai Rp6,26 miliar.
Other Operating Income
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Pendapatan Operasional Lainnya In 2024, Bank Artha Graha Internasional recorded other
Tahun 2024, Bank Artha Graha Internasional membukukan operating income of IDR357 billion, an increase of 14.38% from
pendapatan operasional lainnya sebesar Rp357 miliar, naik the previous year’s figure of IDR313 billion. The increase in other
14,38% dari tahun sebelumnya yang senilai Rp313 miliar. operating income in 2024 was primarily driven by a rise in fee-
Peningkatan pendapatan operasional lainnya tahun 2024 based income, which grew by IDR113 billion, mainly contributed
utamanya berasal dari pendapatan fee based yang naik sebesar by digital transaction income and treasury income.
Rp113 miliar yang di dominasi oleh pendapatan transaksi digital
dan treasury.
Other Operating Expenses
Beban Operasional Lainnya The total other operating expenses in 2024 decreased by
Jumlah beban operasional lainnya tahun 2024 tercatat menurun 3.35% to IDR1.07 trillion. This decline was mainly driven by a
sebesar 3,35% menjadi sebesar Rp1,07 triliun. Penurunan ini reduction in operating expenses amounting to IDR41.89 billion
terutama dipengaruhi oleh turunnya beban operasi sebesar and a decrease in net impairment losses on financial and
Rp41,89 miliar dan kerugian penurunan nilai aset keuangan dan non-financial assets of IDR28.63 billion. As a result, the Bank
non keuangan bersih turun sebesar Rp28,63 miliar, sehingga recorded operating expenses and net impairment losses on
Bank membukukan beban operasi dan penurunan nilai aset financial and non-financial assets in 2024 of IDR547.74 billion
keuangan dan non keuangan bersih tahun 2024 masing- and IDR75.03 billion, respectively.
masing sebesar Rp547,74 miliar dan Rp75,03 miliar.
Operating Profit (Loss)
Laba (Rugi) Operasional In 2024, Bank Artha Graha Internasional recorded an operating
Tahun 2024, Bank Artha Graha Internasional membukukan laba profit of IDR197 billion. This achievement was an improvement
operasional sebesar Rp197 miliar. Pencapaian tersebut lebih compared to the previous year, which stood at IDR187 billion.
baik dibandingkan tahun sebelumnya yang tercatat sebesar
Rp187 miliar.
Profit (Loss) Before Tax
Laba (Rugi) Sebelum Pajak In 2024, Bank Artha Graha Internasional recorded a profit
Tahun 2024, Bank Artha Graha Internasional membukukan laba before income tax of IDR190 billion, an increase of 3.49%
sebelum pajak penghasilan sebesar Rp190 miliar, meningkat compared to the previous year, which amounted to IDR183
3,49% dari tahun sebelumnya yang sebesar Rp183 miliar. billion.
Profit (Loss) for the Year
Laba (Rugi) Tahun Berjalan The profit for the year recorded by Bank Artha Graha
Laba tahun berjalan yang dibukukan Bank Artha Graha Internasional in 2024 amounted to IDR152 billion, an increase
Internasional di tahun 2024 adalah sebesar Rp152 miliar, of 3.90% compared to the previous year, which stood at IDR147
meningkat 3,90% dari tahun sebelumnya yang sebesar Rp147 billion.
miliar.
Comprehensive Profit (Loss) for the Year
Laba (Rugi) Komprehensif Tahun Berjalan In 2024, Bank Artha Graha Internasional recorded
Tahun 2024, Bank Artha Graha Internasional membukukan laba comprehensive income for the year amounting to IDR169
komprehensif tahun berjalan sebesar Rp169 miliar, meningkat billion, an increase of 1.20% from the previous year, in which
1,20% dari tahun sebelumnya dimana Bank membukukan laba the Bank recorded comprehensive income of IDR167 billion.
komprehensif sebesar Rp167 miliar.
Earnings (Loss) per Share
Laba (Rugi) per Saham In line with the increase in the Bank’s profit in 2024, the
Seiring dengan naiknya laba Bank di tahun 2024, laba per earnings per share of Bank Artha Graha Internasional also rose
saham Bank Artha Graha Internasional juga meningkat menjadi to IDR7.54 per share, up from IDR7.26 per share in the previous
Rp7,54 per saham dari tahun sebelumnya sebesar Rp7,26 per year.
saham.
The total cash and cash equivalents of Bank Artha Graha
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Arus Kas dalam jutaan rupiah
Cash Flow in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Arus Kas dari Aktivitas Operasi
5.831.023 (464.102) 6.295.125 (1.356,41)
Cash Flows from Operating Activities
Arus Kas dari Aktivitas Investasi
(3.613.942) (438.430) (3.175.512) 724,29
Cash Flows from Investing Activities
Arus Kas dari Aktivitas Pendanaan
- - - -
Cash Flows from Financing Activities
Kenaikan/(Penurunan) Kas dan Setara Kas - Neto
2.217.081 (902.532) 3.119.613 (345,65)
Increase/(Decrease) in Cash and Cash Equivalents - Net
Pengaruh Perubahan Kurs Mata Uang Asing
27.391 (2.778) 30.169 (1.086,00)
Effect of Changes in Exchange Rates
Kas dan Setara Kas pada Awal Tahun
4.076.785 4.982.095 (905.310) (18,17)
Cash and Cash Equivalents at the Beginning of the Year
Kas dan Setara Kas pada Akhir Tahun
6.321.257 4.076.785 2.244.472 55,05
Cash and Cash Equivalents at the End of the Year
Jumlah kas dan setara kas Bank Artha Graha Internasional Internasional at the end of 2024 amounted to IDR6.32 trillion,
pada akhir tahun 2024 tercatat sebesar Rp6,32 triliun, jumlah an increase compared to the cash and cash equivalents at
tersebut meningkat dibandingkan jumlah kas dan setara kas the beginning of the year, which stood at IDR4.08 trillion. The
pada awal tahun yang sebesar Rp4,08 triliun. Peningkatan increase in cash and cash equivalents was contributed by a rise
jumlah kas dan setara kas tersebut dikontribusikan oleh kenaikan in cash from operating activities amounting to IDR6.29 trillion,
kas dari aktivitas operasi sebesar Rp6,29 triliun, sedangkan kas while cash from investing activities decreased by IDR3.17 trillion.
dari aktivitas investasi turun sebesar Rp3,17 triliun.
Cash Flow from Operating Activities
Arus Kas dari Aktivitas Operasi Net cash flows generated from operating activities in 2024
Arus Kas bersih yang diperoleh dari aktivitas operasi tahun amounted to IDR5.83 trillion, an increase of IDR6.29 trillion
2024 tercatat sebesar Rp5,83 triliun, naik Rp6,29 triliun dari compared to the previous year. This was mainly due to a
tahun sebelumnya. Hal tersebut disebabkan utamanya karena significant increase in loans disbursed amounting to IDR3.47
adanya penambahan yang cukup signifikan dari kredit yang trillion and customer deposits totaling IDR2.95 trillion.
diberikan Rp3,47 triliun dan simpanan nasabah sebesar Rp2,95
triliun.
Cash Flow from Investing Activities
Arus Kas dari Aktivitas Investasi Net cash flows used for investing activities in 2024 amounted
Arus Kas bersih digunakan untuk aktivitas investasi tahun 2024 to IDR3.61 trillion, an increase from IDR438 billion in the
tercatat sebesar Rp3,61 triliun, naik dari tahun sebelumnya previous year. This increase was due to a rise in net purchases
yang sebesar Rp438 miliar. Kenaikan tersebut disebabkan of securities.
karena adanya peningkatan pada pembelian efek-efek bersih.
Cash Flows from Financing Activities
Arus Kas dari Aktivitas Pendanaan There was no recorded net cash flow from financing activities
Tidak tercatat adanya Arus Kas bersih yang diperoleh/digunakan in 2024.
untuk aktivitas pendanaan pada tahun 2024.
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Rasio Keuangan dalam %
Financial Ratio in %
Uraian
2024 2023
Description
Aset Produktif
Earning Assets
Aset Produktif Bermasalah dan Aset Non-Produktif Bermasalah terhadap Total Aset Produktif
dan Aset Non-Produktif
5,25 7,12
Non-performing Earning Assets and Non-Productive Assets to Total Earning Assets and
Non-Earning Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif
0,98 1,09
Non-performing Earning Assets to Total Earning Assets
Cadangan Kerugian Penurunan Nilai Aset Keuangan terhadap Aset Produktif
2,05 2,64
Allowance for Impairment Losses for Financial Assets to Earning Assets
Pemenuhan CKPN Kredit yang Diberikan
88,46 103,99
Fulfillment of CKPN of Loans
Rasio Kredit Bermasalah - Bruto (NPL - Gross)
2,40 1,74
Gross NPL
Rasio Kredit Bermasalah - Bersih (NPL - Net)
0,77 0,31
Net NPL
Rasio Rentabilitas
Profitability Ratio
lmbal Hasil Aktiva (ROA)
0,55 0,60
Return on Asset (ROA)
Imbal Hasil Ekuitas (ROE)
4,23 4,24
Return on Equity (ROE)
Margin Bunga Bersih (NIM)
4,07 5,58
Net Interest Margin (NIM)
Beban Operasional Lain terhadap Penghasilan Operasional (BOPO)
90,32 90,11
Other Operating Expenses to Operating Income (BOPO)
Liabilitas terhadap Aset
85,59 84,02
Liabilities to Assets
Liabilitas terhadap Ekuitas
594,20 525,83
Liabilities to Equity
Cost to Income (CIR) 78,64 78,05
Rasio Likuiditas
Liquidity Ratio
Rasio Intermediasi Makroprudensial
55,26 58,03
Macroprudential Intermediation Ratio
Current Account Savings Account (CASA) 34,96 39,50
Rasio Kepatuhan
Compliance Ratios
Persentase Pelanggaran BMPK
- -
Percentage Violation of Legal Lending Limit
Pihak Terkait
- -
Related Parties
Pihak Tidak Terkait
- -
Third Parties
Persentase Pelampauan BMPK
- -
Percentage Lending in Excess of the Legal Lending Limit
GWM Rupiah
13,03 12,73
Reserve Requirement Rupiah
GWM Valuta Asing
4,36 4,96
Reserve Requirement Foreign Exchange
Posisi Devisa Neto
0,63 0,81
Net Open Position
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KEMAMPUAN MEMBAYAR UTANG DAN DEBT SERVICING ABILITY AND RECEIVABLES
TINGKAT KOLEKTABILITAS PIUTANG COLLECTIBILITY
Kemampuan Bank dalam memenuhi seluruh kewajiban baik The Bank’s ability to meet all its obligations, both long-term
kewajiban jangka panjang maupun jangka pendek, dapat and short-term, is measured through several ratios, including
diukur melalui beberapa rasio, antara lain rasio likuiditas, rasio liquidity ratio, solvency ratio, and profitability ratio. The Bank’s
solvabilitas, dan rasio rentabilitas. Kemampuan membayar debt servicing capability is also reflected in its participation in
utang juga tercermin dari telah ikutnya Bank sebagai peserta the deposit insurance program administered by the Indonesia
program penjaminan pada Lembaga Penjaminan Simpanan. Deposit Insurance Corporation (Lembaga Penjamin Simpanan
Rincian penjelasan tentang kemampuan membayar utang or LPS). A detailed explanation of the Bank’s debt servicing
Bank adalah sebagai berikut: ability is as follows:
Rasio Likuiditas Liquidity Ratio
Bank membukukan Rasio Intermediasi Makroprudensial The Bank recorded a Macroprudential Intermediation Ratio
(RIM) sebesar 55,26% pada tahun 2024 dibandingkan (MIR) of 55.26% in 2024, compared to 58.03% in the previous
tahun sebelumnya yang sebesar 58,03%. Penurunan rasio year. This decrease was primarily driven by an increase in third-
ini utamanya dipengaruhi oleh kenaikan dana pihak ketiga. party funds. The rise in third-party funds was mainly contributed
Peningkatan dana pihak ketiga didominasi dari peningkatan by an increase in time deposits, which also led to a decline in
deposito, sehingga secara rasio CASA pun juga mengalami the CASA ratio to 34.96%, down from 39.50% in the previous
penurunan menjadi sebesar 34,96% dari tahun sebelumnya year.
yang tercatat sebesar 39,50%.
Rasio Solvabilitas Solvency Ratio
Rasio Kewajiban Penyediaan Modal Minimum (KPMM) The Minimum Capital Adequacy Ratio (KPMM) is a parameter
merupakan parameter untuk mengukur rasio permodalan Bank used to measure the bank’s capital ratio, ensuring that the capital
dengan memastikan kecukupan modal untuk dapat memenuhi is sufficient to cover credit risk, market risk, and operational
risiko kredit, risiko pasar, dan risiko operasional. Rasio KPMM risk. The KPMM ratio reached 26.35% in 2024, higher than the
mencapai 26,35% pada tahun 2024, lebih tinggi dari tahun previous year’s ratio of 24.96%.
sebelumnya yang sebesar 24,96%.
Rasio Rentabilitas Profitability Ratio
Rasio Return on Asset (ROA) dan Return on Equity (ROE) In line with the increase in the bank’s net income for the
Bank tercatat sebesar 0,55% dan 4,23% pada tahun 2024. year, the Return on Assets (ROA) and Return on Equity (ROE)
Pencapaian ini lebih rendah dibandingkan ROA dan ROE tahun ratios for the bank reached 0.55% and 4.23% in 2024. This
2023 yang masing-masing sebesar 0,60% dan 4,24%. Bank performance is higher compared to the ROA and ROE ratios for
juga mencatat rasio Net Interest Margin (NIM) di tahun 2024 2023, which were 0.60% and 4.24%, respectively. Meanwhile,
mencapai 4,07%, lebih rendah dibandingkan rasio pada the bank’s Net Interest Margin (NIM) ratio in 2024 reached
tahun sebelumnya yang sebesar 5,58% yang disebabkan 4.07%, lower than the ratio of 5.58% in the previous year. The
oleh penurunan pendapatan bunga bersih sebesar Rp72,4 bank’s Cost-to-Income Ratio (BOPO) stood at 90.32% in 2024,
miliar. Kemudian rasio BOPO adalah sebesar 90,32% di tahun higher/lower than the previous year’s ratio of 90.11%.
2024 atau lebih tinggi dari tahun sebelumnya yang tercatat
sebesar 90,11%.
Tingkat Kolektibilitas Piutang Receivables Collectibility
Kolektibilitas piutang Bank diukur menggunakan indikator The collectibility of the bank’s receivables is measured using the
rasio pinjaman bermasalah (NPL). Sebagaimana terlihat pada Non-Performing Loan (NPL) ratio indicator. As seen from the
peningkatan NPL Netto dari 0,31% di tahun 2023 menjadi decrease in the Net NPL ratio from 0.31% in 2023 to 0.77% in
0,77% di tahun 2024. Berdasarkan kolektibilitas sesuai 2024. Based on collectibility in accordance with Bank Indonesia
peraturan Bank Indonesia, pinjaman yang dikelola Bank dapat regulations, the loans managed by the bank are classified as
diklasifikasikan sebagai berikut: follows:
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Kolektibilitas Piutang dalam jutaan rupiah
Colectability of Recievables in million rupiah
Pertumbuhan/(Penurunan)
Uraian Growth / (Decline)
2024 2023
Description
Rp %
Lancar
10.079.461 11.355.419 (1.275.958) (11,24)
Current
Dalam Perhatian Khusus
271.916 580.673 (308.757) (53,17)
Under Special Attention
Kurang Lancar
17.103 20.539 (3.436) (16,73)
Substandard
Diragukan
20.894 12.772 8.122 63,59
Doubtful
Macet
216.105 177.966 38.139 21,43
Loss
Jumlah Kredit
10.605.479 12.147.369 (1.541.890) (12,69)
Total Loans
Cadangan Kerugian Penurunan Nilai
(531.907) (510.636) (21.271) 4,17
Allowance for Impairment Losses
Jumlah Kredit - Bersih
10.073.572 11.636.733 (1.563.161) (13,43)
Net Loans
STRUKTUR PERMODALAN CAPITAL STRUCTURE
Bank Artha Graha Internasional berupaya meningkatkan nilai Bank Artha Graha Internasional strives to enhance the Bank’s
Bank diantaranya melalui penetapan struktur modal yang value, among others, by establishing an optimal capital
optimal. Hal tersebut juga menjadi bagian dalam memenuhi structure. This effort also forms part of the Bank’s compliance
ketentuan OJK mengenai Kewajiban Penyediaan Modal with the OJK regulation on the Minimum Capital Adequacy
Minimum (KPMM). Requirement (CAR).
Kebijakan Struktur Modal Capital Structure Policy
Kebijakan terkait struktur permodalan bertujuan untuk The policy on capital structure aims to ensure that the Bank
memastikan bahwa Bank memiliki modal yang kuat untuk maintains a strong capital base to support its business
mendukung strategi pengembangan bisnis dan ekspansi usaha development strategies and expansion plans, as well as to
serta mempertahankan kelangsungan pengembangan bisnis di sustain long-term business growth. In addition, the capital
kemudian hari. Disamping itu, kebijakan permodalan ditetapkan policy is designed to comply with regulatory capital adequacy
guna memenuhi peraturan mengenai kecukupan permodalan requirements and to ensure that the Bank’s capital structure is
yang ditetapkan oleh regulator serta memastikan bahwa struktur efficient. Bank Artha Graha Internasional prepares its capital
permodalan Bank telah efisien. Bank Artha Graha Internasional plan based on the capital adequacy requirements as mandated.
menyusun rencana permodalan berdasarkan kebutuhan This capital plan is developed by the Board of Directors as part
kecukupan permodalan sebagaimana yang dipersyaratkan. of the Bank’s Business Plan and subsequently approved by the
Rencana permodalan tersebut disusun oleh Direksi sebagai Board of Commissioners.
bagian dari Rencana Bisnis Bank untuk kemudian disetujui
oleh Dewan Komisaris.
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Berdasarkan ketentuan kelompok bank berdasarkan modal inti Based on the core capital-based bank classification (Kelompok
(KBMI), Bank Artha Graha Internasional masuk dalam KBMI 1, Bank Berdasarkan Modal Inti/KBMI), Bank Artha Graha
yaitu bank dengan modal inti di bawah Rp6 triliun. Untuk itu, Internasional falls under KBMI 1, which refers to banks with
bank berupaya untuk menambah modal inti yang terencana core capital below Rp6 trillion. Accordingly, the Bank strives to
dengan estimasi yang akurat, sesuai komitmen Pemegang increase its core capital in a well-planned manner with accurate
Saham serta dalam mekanisme yang telah sesuai ketentuan. estimates, in line with the commitment of shareholders and
through mechanisms that comply with prevailing regulations.
Rincian Struktur Modal Capital Structure Details
Sesuai dengan Peraturan Bank Indonesia, modal Bank terdiri Referring to Bank Indonesia regulations, the Bank’s capital
dari: consists of:
• Modal Inti • Core Capital
Modal inti merupakan modal bank yang terdiri dari Modal Core capital refers to the bank’s capital comprising
Inti Utama (Common Equity Tier - CET 1) dan Modal Inti Common Equity Tier 1 (CET 1) and Additional Tier 1
Tambahan (Additional Tier 1). Modal inti utama mencakup capital. Common Equity Tier 1 includes paid-in capital and
modal disetor dan cadangan tambahan modal (disclose disclosed reserves. Disclosed reserves consist of positive
reserve). Cadangan tambahan modal terdiri atas faktor components (such as share premium, general reserves,
penambah (agio, cadangan umum, laba tahun lalu, laba retained earnings, current year profit, and stock options)
tahun berjalan, dan opsi saham) dan faktor pengurang and negative components (such as other comprehensive
(kerugian komprehensif lainnya dari transaksi aset losses from transactions involving financial assets
keuangan yang diklasifikasikan dalam kelompok tersedia classified as available-for-sale, shortfall in Allowance for
untuk dijual, selisih kurang Penyisihan Penghapusan Aset Earning Asset Losses (PPA) compared to the Allowance
(PPA) atas aset produktif dengan Cadangan Kerugian for Impairment Losses, and PPA for non-earning assets).
Penurunan Nilai, dan PPA non produktif). Di akhir tahun As of the end of 2024, the Core Capital held by Bank
2024, Modal Inti yang dimiliki oleh Bank Artha Graha Artha Graha Internasional amounted to IDR3.59 trillion,
Internasional adalah sebesar Rp3,59 triliun, naik 0,20% an increase of 0.20% or IDR7.19 billion compared to the
atau bertambah senilai Rp7,19 miliar dibandingkan Modal Core Capital in 2023, which stood at Rp 3.58 trillion.
Inti di tahun 2023 yang sebesar Rp3,58 triliun.
• Modal Pelengkap (Maksimum 100% dari Modal Inti) • Supplementary Capital (Maximum 100% of Core Capital)
Modal pelengkap meliputi cadangan umum PPA atas aset Supplementary capital includes general reserves for PPA
produktif yang wajib dihitung dengan jumlah maksimum on earning assets, which are required to be calculated at
1,25% dari ATMR Risiko Kredit dan Cadangan Tujuan. a maximum of 1.25% of Risk-Weighted Assets for Credit
Risk, as well as Appropriated Reserves.
dalam jutaan rupiah
in million rupiah
Jenis Modal
2024 2023
Types of Capital
Modal Inti
3.591.911 3.584.721
Core Capital
Modal Pelengkap
373.786 363.711
Supplementary Capital
Jumlah Modal
3.965.697 3.948.432
Total Capital
170 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Laporan Perhitungan Kewajiban Penyediaan Modal Minimum
Tanggal 31 Desember 2024 dan 2023
Report on Calculation of Capital Adequacy Requirement as of dalam jutaan rupiah
December 31, 2024 and 2023 in million rupiah
Komponen Modal
2024 2023
Capital Components
Komponen Modal
Capital Components
Modal Inti (Tier 1)
3.591.911 3.584.721
Tier 1 Capital
Modal Inti Utama (CET1)
3.591.911 3.584.721
Common Equity Tier 1 (CET 1)
1. Modal Disetor
2.242.372 2.242.372
1. Paid-up Capital
I
2. Cadangan Tambahan Modal
1.604.707 1.644.982
2. Additional Capital Reserve
3. Kepentingan Non Pengendali yang dapat diperhitungkan
- -
3. Non-controlling interests that can be taken into account
4. Faktor Pengurang Modal Inti
(255.168) (302.633)
4. Tier 1 Capital Deduction Factor
Modal Inti Tambahan (AT1)
- -
Additional Tier 1 Capital (AT1)
Modal Pelengkap (Tier 2)
373.786 363.711
Supplementary Capital (Tier 2)
1. Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2
200.000 200.000
1. Capital instruments in the form of shares or others that meet the requirements of Tier 2
II 2. Agio/Disagio - -
3. Cadangan umum PPKA atas aset produktif yang wajib dihitung (paling tinggi 1,25% ATMR
Risiko Kredit)
173.786 163.711
3. PPKA general reserves on earning assets that must be calculated (at a maximum of 1.25%
RWA Credit Risk)
4. Faktor Pengurang Modal Pelengkap
- -
4. Complementary Capital Deduction Factor
Total Modal Inti dan Modal Pelengkap
3.965.697 3.948.432
Total Core and Supplementary Capital
Aset Tertimbang Menurut Risiko
Risk-Weighted Assets
Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Kredit
13.902.911 14.519.135
Risk Weighted Assets (RWA) for Credit Risk
Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Operasional
1.036.269 977.823
Risk Weighted Assets (RWA) for Operational Risk
Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Pasar
105.898 321.312
Risk-weighted Assets (RWA) for Market Risk
Total ATMR
15.045.078 15.818.270
Total RWA
Rasio KPMM Sesuai Profil Risiko (%)
9,37 9,39
CAR Ratio Based on Risk Profile (%)
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Laporan Perhitungan Kewajiban Penyediaan Modal Minimum
Tanggal 31 Desember 2024 dan 2023
Report on Calculation of Capital Adequacy Requirement as of dalam jutaan rupiah
December 31, 2024 and 2023 in million rupiah
Komponen Modal
2024 2023
Capital Components
Alokasi Pemenuhan Kpmm Sesuai Profil Risiko
Allocation of Car Fulfillment According to Risk Profile
Dari CET 1 (%)
4,50 4,50
From CET 1
Dari AT 1 (%)
- -
From AT
Dari Tier 2 (%)
2,48 2,30
From Tier 2
Rasio KPMM
CAR Ratios
Rasio CET1 (%)
23,87 22,66
CET1 Ratio
Rasio Tier 1 (%)
23,87 22,66
Tier 1 Ratio
Rasio Tier 2 (%)
2,48 2,30
Tier 2 Ratio
Rasio KPMM (%)
26,35 24,96
CAR Ratio
CET 1 untuk BUFFER (%)
19,37 18,16
CET 1 to BUFFER
Persentase Buffer yang Wajib Dipenuhi oleh Bank
Percentage of Buffer to be Met by the Bank
Capital Conservation Buffer (%) - -
Countercyclica l Buffer (%) - -
Capital Surcharge for Systemic Banks (%) - -
DAMPAK PERUBAHAN TINGKAT SUKU BUNGA IMPACT OF INTEREST RATE CHANGES ON THE
TERHADAP KINERJA BANK BANK’S PERFORMANCE
Pada tahun 2024, Bank Indonesia mempertahankan suku In 2024, Bank Indonesia maintained its benchmark interest
bunga acuan di level 6,00%. Seiring dengan bertahannya suku rate at 6.00%. In line with this, Bank Artha Graha Internasional
bunga di tahun 2024 tersebut, Bank Artha Graha Internasional focused its efforts on growing low-cost funds (CASA) while
memfokuskan upaya pada pertumbuhan dana murah (CASA) also reducing high-cost funds. This strategy was implemented
dan juga mengurangi dana mahal. Langkah ini diambil sebagai to maintain a more efficient cost of funds and secure a better
upaya untuk menjaga cost of fund menjadi lebih efisien dan funding structure. In response to the high interest rates in the
memperoleh struktur pendanaan yang lebih baik. Dalam money market, Bank Artha Graha Internasional also made
merespons tingginya suku bunga di pasar uang, Bank Artha adjustments to its deposit interest rates, but these were carried
Graha Internasional juga melakukan penyesuaian suku bunga out gradually while taking into account the benchmark interest
simpanan namun dilakukan secara bertahap dengan tetap rate, the Bank’s liquidity conditions, and the level of competition
memperhatikan tingkat suku bunga acuan, kondisi likuiditas with other banks.
Bank dan juga tingkat kompetisi dengan bank-bank lain.
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Suku Bunga Dasar Kredit Base Lending Rate
Sebagai sebuah bank umum, Bank memiliki kewajiban untuk As a commercial bank, the Bank is required to report and
melaporkan dan mempublikasikan Suku Bunga Dasar Kredit publish its Base Lending Rate (SBDK) in Rupiah, as stipulated
(SBDK) dalam mata uang Rupiah sebagaimana yang diatur in the Financial Services Authority Regulation (POJK) No. 37/
dalam Peraturan Otoritas Jasa Keuangan (POJK) No. 37/ POJK.03/2019 concerning Transparency and Publication of
POJK.03/2019 tentang Transparansi dan Publikasi Laporan Bank Reports.
Bank.
SBDK dipakai sebagai pedoman penetapan suku bunga kredit The SBDK serves as a guideline for determining the interest rate
yang akan dikenakan kepada Nasabah. Namun demikian, to be applied to loans to customers. However, the SBDK does
SBDK belum memperhitungkan komponen estimasi premi not yet account for the risk premium estimate, the amount of
risiko yang besarnya tergantung dari penilaian Bank terhadap which depends on the Bank’s assessment of the risk associated
risiko masing-masing debitur atau kelompok debitur. Adapun with each debtor or group of debtors. The comparison of the
perbandingan SBDK tahun 2024 adalah sebagai berikut: Base Lending Rate for 2024 is as follows:
Kredit Konsumsi
Periode Kredit Korporasi Kredit Ritel Kredit Mikro Consumer Loans
Period Corporate Loans Retail Loans Micro Loans
KPR Non KPR
Desember 2023
10,49% 10,35% - 12,12% 15,20%
2023 December
Maret 2024
9,94% 10,69% - 12,23% 14,96%
2024 March
Juni 2024
10,08% 10,68% - 12,45% 14,98%
2024 June
September 2024
9,14% 9,32% - 9,81% 13,06%
2024 September
Desember 2024
9,62% 10,82% 11,35% 9,42% 14,62%
2024 December
TRANSAKSI SPOT DAN DERIVATIF SPOT AND DERIVATIVE TRANSACTIONS
Bank melakukan transaksi derivatif dalam bentuk pembelian The Bank engages in derivative transactions in the form of
dan penjualan spot dan forward valuta asing. Risiko pasar dari foreign exchange spot and forward purchases and sales. Market
transaksi derivatif timbul dari potensi perubahan nilai akibat risk from derivative transactions arises from potential changes
fluktuasi kurs mata uang asing, sedangkan risiko kredit timbul in value due to foreign exchange rate fluctuations, while credit
dalam hal pihak lain tidak memenuhi kewajibannya pada Bank. risk arises if the counterparty fails to fulfill its obligations to the
Rincian tagihan dan liabilitas derivatif adalah sebagai berikut: Bank. The details of derivative receivables and liabilities are as
follows:
2024 Annual Report PT Bank Artha Graha Internasional Tbk 173
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dalam USD
in USD
Tagihan Derivatif Liabilitas Derivatif
Uraian Derivative Bills Derivative Liabilities
Description
2024 2023 2024 2023
Penjualan Forward 23 948
48 -
Forward Selling
Pembelian Spot 12 109
- -
Spot Buying
Jumlah
48 35 - 1.057
Total
IKATAN YANG MATERIAL UNTUK INVESTASI MATERIAL COMMITMENTS FOR CAPITAL
BARANG MODAL INVESTMENTS
Bank Artha Graha Internasional tidak melakukan pengikatan Bank Artha Graha Internasional did not enter into any
dengan pihak manapun terkait investasi barang modal pada commitments with any parties related to capital investments
tahun 2024. Oleh karena itu, Bank tidak menyajikan informasi in 2024. Therefore, the Bank does not present information
terkait tujuan dari ikatan tersebut, sumber dana yang diharapkan regarding the purpose of such commitments, the expected
untuk memenuhi ikatan tersebut, mata uang yang menjadi sources of funds to fulfill the commitments, the currency of
denominasi, dan langkah yang direncanakan Bank untuk denomination, or the planned measures by the Bank to mitigate
melindungi risiko dari posisi mata uang asing yang terkait. risks related to foreign currency positions.
REALISASI INVESTASI BARANG MODAL REALIZATION OF CAPITAL INVESTMENT
Bank merealisasikan investasi barang modal untuk tahun 2024 The Bank realized capital investment for the year 2024 as
sebagai berikut: follows:
Jenis Barang Modal Tujuan Investasi
No. 2024 2023
Capital Goods Type Investment Objective
Tanah Pengembangan Bisnis Bank
1 - -
Land Bank’s Business Development
Inventaris Kantor
2 17.349 15.043
Office Inventory
Bangunan
3 4.491 9.963
Building
Instalasi
4 3.117 2.330
Installation
Jumlah
24.957 27.336
Total
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INFORMASI DAN FAKTA MATERIAL YANG MATERIAL INFORMATION AND FACTS AFTER
TERJADI SETELAH TANGGAL LAPORAN THE ACCOUNTANT’S REPORTING DATE
AKUNTAN
Bank menyatakan tidak terdapat informasi dan fakta material The Bank declares that there were no material information
yang terjadi setelah tanggal laporan akuntan. Terkait dengan hal or facts occurring after the accountant’s reporting date.
tersebut, Bank tidak menyajikan informasi terkait hal tersebut Accordingly, the Bank does not present any related information
beserta dampaknya terhadap kinerja dan risiko usaha di masa or its potential impact on future performance and business risk.
mendatang.
PERBANDINGAN ANTARA TARGET DAN COMPARISON BETWEEN TARGETS AND
REALISASI SERTA PROYEKSI SATU TAHUN REALIZATION AS WELL AS ONE-YEAR
KE DEPAN FORWARD PROJECTION
Bank Artha Graha Internasional dalam Rencana Bisnis Bank Bank Artha Graha Internasional, in its Bank Business Plan (RBB),
(RBB) telah menetapkan sejumlah target yang hendak dicapai set a number of targets to be achieved for the 2024 financial
untuk tahun buku 2024. Perbandingan target yang ditetapkan year. The comparison between the established targets and the
dengan realisasi tahun buku 2024 adalah sebagai berikut: actual realization for the 2024 financial year is as follows:
Dalam jutaan rupiah
In million rupiah
Uraian Target 2024 Realisasi 2024 Pencapaian Target (%) Target 2025
Description 2024 Target 2024 Realization Target Achievement (%) 2025 Target
Pendapatan Bunga
1.933.173 1.646.064 85,15 1.127.850
Interest Income
Laba Tahun Berjalan
263.788 152.474 57,80 203.423
Profit for the Year
Laba per Saham Dasar (angka penuh)
13,04 7,54 57,82 -
Basic Earnings per Share (full amount)
Aset
30.219.701 30.126.393 99,69 32.137.682
Assets
Kredit Gross
14.082.238 10.605.479 75,31 12.738.859
Gross Loans
Dana Pihak Ketiga
24.539.000 23.890.773 97,36 25.892.773
Third Party Funds
ROA (%) 0,93 0,55 59,14 0,66
ROE (%) 6,59 4,23 64,19 5,44
NPL Gross (%) 2,02 2,40 84,17 2,14
NPL Net (%) 0,47 0,77 61,04 0,68
RIM (%) 78,40 55,26 70,48 61,82
NIM (%) 4,03 4,07 100,99 3,89
CASA (%) 42,41 34,96 82,43 39,41
BOPO (%) 87,51 90,32 96,89 90,61
CAR (%) 29,89 26,35 88,16 31,70
2024 Annual Report PT Bank Artha Graha Internasional Tbk 175
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Dalam jutaan rupiah
In million rupiah
Uraian Target 2024 Realisasi 2024 Pencapaian Target (%) Target 2025
Description 2024 Target 2024 Realization Target Achievement (%) 2025 Target
Karyawan
1.340 1.279 95,45 1.215
Employees
Kantor Cabang
32 32 100,00 -
Branch Offices
Kantor Cabang Pembantu (dalam
setahun) 34 33 97,06 -
Sub-Branch Office (in a year)
Proyeksi Tahun 2025 2025 Projections
Memasuki tahun 2025, Bank Artha Graha Internasional telah As 2025 begins, Bank Artha Graha Internasional has set a
menetapkan sejumlah target yang tertuang pada Rencana number of targets as outlined in the Bank’s 2025 Business Plan
Bisnis Bank (RBB) 2025. Adapun beberapa target yang (RBB). Several of the targets established for 2025 can be seen
ditetapkan Bank tahun 2025 dapat dilihat pada tabel di atas. in the table above.
KEBIJAKAN DAN PEMBAGIAN DIVIDEN DIVIDEND POLICY AND DISTRIBUTION
Kebijakan Dividen Dividend Policy
Berdasarkan Undang-undang No.40 Tahun 2007 tentang In accordance with Law No. 40 of 2007 on Limited Liability
Perseroan Terbatas dan Anggaran Dasar Bank, pembagian Companies and the Bank’s Articles of Association, dividend
Dividen dilakukan berdasarkan keputusan Rapat Umum distribution is based on the resolution of the General Meeting
Pemegang Saham (RUPS). Sebelum berakhirnya tahun of Shareholders (GMS). Prior to the end of the financial year,
keuangan, dividen interim dapat dibagikan sepanjang interim dividends may be distributed as long as permitted by
diperbolehkan oleh Anggaran Dasar Bank dan pembagian the Bank’s Articles of Association and such distribution does
dividen interim tidak menyebabkan Aset Bersih Bank kurang not result in the Bank’s Net Assets falling below the issued and
dari modal ditempatkan dan disetor penuh serta cadangan fully paid-up capital plus mandatory reserves. The distribution
wajib. Pembagian dividen interim ditetapkan oleh Direksi setelah of interim dividends is determined by the Board of Directors
disetujui Dewan Komisaris. upon approval from the Board of Commissioners.
Melalui Rapat Umum Pemegang Saham (RUPS) kebijakan Through the General Meeting of Shareholders, the Bank’s
dividen ditetapkan dengan mempertimbangkan kondisi dividend policy is determined by taking into account the Bank’s
keuangan dan tingkat kesehatan Bank, serta berpedoman financial condition and level of soundness, and by adhering to
kepada peraturan yang terkait di bidang perbankan. applicable banking regulations. Based on the resolution of the
Berdasarkan hasil keputusan RUPS Tahunan yang dilaksanakan Annual GMS held on June 28, 2024, the Bank’s Shareholders
tanggal 28 Juni 2024, Pemegang Saham Bank menyetujui approved not to distribute dividends, as the entire net profit for
untuk tidak melakukan pembagian dividen karena pada Tahun the 2023 Fiscal Year was allocated to strengthen the Bank’s
Buku 2023 seluruh laba bersih Bank dipergunakan untuk capital structure and support business expansion.
memperkuat struktur permodalan dan ekspansi usaha Bank.
Terkait dengan hal tersebut, maka Bank tidak menyajikan Accordingly, the Bank does not present any information
informasi terkait: tanggal pembayaran dividen kas dan/atau regarding: the date of cash dividend payment and/or the
tanggal distribusi dividen non-kas; jumlah dividen per saham distribution date of non-cash dividends; the amount of dividend
(kas dan/atau non-kas); dan jumlah dividen per tahun yang per share (cash and/or non-cash); or the total annual dividend
dibayar. paid.
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REALISASI PENGGUNAAN DANA HASIL REALIZATION OF PROCEEDS FROM PUBLIC
PENAWARAN UMUM OFFERING
Pada tahun 2024, Bank tidak menerbitkan saham ataupun In 2024, the Bank did not issue any shares nor conduct any
melakukan konversi efek lain. Aksi korporasi terakhir telah conversion of other securities. The last corporate action was
dilaksanakan di tahun 2021 terkait pelaksanaan Waran Seri I. carried out in 2021 in connection with the execution of Series I
Jumlah Waran Seri I yang diterbitkan sebanyak 4.513.198.013 Warrants. A total of 4,513,198,013 Series I Warrants were issued,
dengan total pelaksanaan Waran Seri I adalah 4.427.219.858 with 4,427,219,858 warrants exercised. The number of Series
dengan jumlah Waran Seri I yang tidak dilaksanakan sampai I Warrants not exercised as of December 7, 2021, amounted
dengan tanggal 7 Desember 2021 sebanyak 85.978.155. Telah to 85,978,155. This information was submitted to the Financial
disampaikan pada Otoritas Jasa Keuangan pada tanggal 20 Services Authority (OJK) on December 20, 2021, and was
Desember 2021 dan tercatat dalam administrasi pengawasan recorded in the OJK’s supervisory administration based on
Otoritas Jasa Keuangan sesuai surat No. SR-44/PB.332/2021 letter No. SR-44/PB.332/2021 dated December 29, 2021.
tanggal 29 Desember 2021. Dengan demikian, Bank tidak Accordingly, the Bank does not have any reporting obligations
memiliki informasi kewajiban pelaporan penggunaan dana regarding the use of proceeds from a public offering.
hasil penawaran umum.
INFORMASI MATERIAL MENGENAI INVESTASI, MATERIAL INFORMATION ON INVESTMENT,
EKSPANSI, DIVESTASI, PENGGABUNGAN/ EXPANSION, DIVESTMENT, MERGER /
PELEBUR AN USAHA , AKUISISI, DAN CONSOLIDATION, ACQUISITION, AND DEBT/
RESTRUKTURISASI UTANG/MODAL CAPITAL RESTRUCTURING
Pada Tahun 2024, Bank Artha Graha Internasional tidak In 2024, Bank Artha Graha Internasional did not engage in
mempunyai informasi mengenai investasi, ekspansi, divestasi, any activities related to investment, expansion, divestment,
penggabungan/peleburan usaha, akuisisi, restrukturisasi utang merger/consolidation, acquisition, debt or capital restructuring,
dan modal, transaksi material, transaksi afiliasi dan transaksi material transactions, affiliated transactions, or conflict-of-
benturan kepentingan. Oleh karena itu, Bank tidak menyajikan interest transactions. Accordingly, the Bank does not present
informasi terkait: tanggal, nilai dan objek transaksi; nama any information related to the date, value, and object of such
pihak yang melakukan transaksi; sifat hubungan afiliasi (jika transactions; the name of the transacting party; the nature of
ada); penjelasan mengenai kewajaran transaksi; pemenuhan any affiliated relationship (if applicable); an explanation of the
ketentuan terkait; dan dalam hal terdapat hubungan afiliasi, fairness of the transaction; compliance with relevant regulations;
selain mengungkapkan informasi sebagaimana dimaksud. or, in the case of an affiliated relationship, disclosures beyond
those mentioned.
INFORMASI TRANSAKSI MATERIAL YANG INFORMATION ON MATERIAL TRANSACTIONS
MENGANDUNG BENTURAN KEPENTINGAN CONTAINING CONFLICTS OF INTEREST
DAN/ATAU TRANSAKSI DENGAN PIHAK AND/OR TRANSACTIONS WITH AFFILIATED/
AFILIASI/BERELASI RELATED PARTIES
Bank melakukan transaksi dengan pihak-pihak berelasi dalam The Bank engages in transactions with related parties in the
kegiatan usaha normal. Transaksi dengan pihak- pihak berelasi normal course of business. Transactions with related parties
tersebut dilaksanakan dengan syarat dan kondisi yang sama are conducted under terms and conditions similar to those
sebagaimana dilakukan dengan pihak ketiga. Terkait transaksi prevailing in transactions with third parties. With respect to
dengan pihak-pihak berelasi, Bank melaporkan tidak terdapat transactions with related parties, the Bank reports that there
transaksi yang mengandung benturan kepentingan were no transactions containing conflicts of interest.
Bank menerapkan PSAK No. 7 (Revisi 2015) tentang The Bank applies PSAK No. 7 (Revised 2015) on “Related Party
“Pengungkapan Pihak-Pihak Berelasi”, yang mensyaratkan Disclosures”, which requires the disclosure of relationships,
pengungkapan hubungan, transaksi dan saldo pihak-pihak transactions, and outstanding balances with related parties,
berelasi, termasuk komitmen dalam laporan keuangan. including commitments, in the financial statements.
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Pihak-pihak berelasi tersebut terdiri dari: The related parties consist of:
1. Orang atau anggota keluarga terdekat memiliki relasi 1. A person or a close member of that person’s family is related
dengan entitas pelapor jika orang tersebut: to the reporting entity if that person:
a. Memiliki pengendalian atau pengendalian bersama a. Has control or joint control over the reporting entity;
atas entitas pelapor;
b. Memiliki pengaruh signifikan atas entitas pelapor; dan b. Has significant influence over the reporting entity; and
c. Personel manajemen kunci entitas pelapor atau entitas c. Is a member of the key management personnel of the
induk dari entitas pelapor. reporting entity or of a parent of the reporting entity.
2. Satu entitas berelasi dengan entitas pelapor jika memenuhi 2. An entity is related to the reporting entity if any of the
salah satu hal berikut: following conditions applies:
a. Entitas dan entitas pelapor adalah anggota dari a. The entity and the reporting entity are members of the
kelompok usaha yang sama (artinya entitas induk dan same group (i.e., each parent, subsidiary, and fellow
yang terkait dengan entitas lain); subsidiary is related to the others);
b. Satu entitas adalah entitas asosiasi atau ventura b. One entity is an associate or joint venture of the other
bersama dari entitas lain (atau entitas asosiasi atau entity (or an associate or joint venture of a group to which
ventura bersama yang merupakan anggota suatu the other entity belongs);
kelompok usaha, dimana entitas lain tersebut adalah
anggotanya);
c. Kedua entitas tersebut adalah ventura bersama dari c. Both entities are joint ventures of the same third party;
pihak ketiga yang sama;
d. Satu entitas adalah ventura bersama dari entitas ketiga d. One entity is a joint venture of a third entity and
dan entitas yang lain adalah entitas asosiasi dari entitas the other entity is an associate of the third entity;
ketiga;
e. Entitas tersebut adalah program imbalan pasca kerja e. The entity is a post-employment benefit plan for the
untuk imbalan kerja dari salah satu entitas pelapor benefit of employees of either the reporting entity or
atau entitas yang terkait dengan entitas pelapor. Jika an entity related to the reporting entity. If the reporting
entitas pelapor adalah entitas yang menyelenggarakan entity is itself such a plan, then the sponsoring
program tersebut, maka entitas sponsor juga berelasi employers are also related to the reporting entity;
dengan entitas pelapor;
f. Entitas yang dikendalikan atau dikendalikan bersama f. The entity is controlled or jointly controlled by a person
oleh orang yang diidentifikasi dalam huruf (1); dan identified in item (1); and
g. Orang yang diidentifikasi dalam butir (a) memiliki g. A person identified in item (a) has significant influence
pengaruh signifikan atas entitas atau personel over the entity or is a member of the key management
manajemen kunci entitas (atau entitas induk dari entitas). personnel of the entity (or of a parent of the entity).
Nama dan Sifat Hubungan Berelasi Name and Nature of Related Party Relationships
Pihak-pihak berelasi adalah perusahaan dan perorangan yang Related parties refer to companies and individuals that have
mempunyai keterkaitan kepemilikan atau kepengurusan secara ownership or management relationships, either directly or
langsung maupun tidak langsung dengan Bank adalah sebagai indirectly, with the Bank. The related parties are as follows:
berikut:
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Corporate Social Safety Responsibility
Nama Pihak Berelasi Sifat Pihak Berelasi Jenis Transaksi
Name of Related Party Name of Related Party Type of Transaction
Memiliki kesamaan
BOT, giro dan deposito berjangka
PT Buanagraha Arthaprima pemegang saham
BOT, Demand Deposits, and Time Deposits
Has same shareholders
Pemegang Saham Bank Jaminan Perusahaan dan giro
PT Cerana Arthaputra
Bank Shareholders Corporate Guarantee and Demand Deposits
Pemegang Saham Bank Jaminan Perusahaan dan giro
PT Karya Nusantara Permai
Bank Shareholders Corporate Guarantee and Demand Deposits
Pemegang Saham Bank Jaminan Perusahaan dan giro
PT Pirus Platinum Murni
Bank Shareholders Corporate Guarantee and Demand Deposits
Pemegang Saham Bank Giro dan deposito berjangka
PT Cakra Inti Utama
Bank Shareholders Demand Deposits and Time Deposits
Pemegang Saham Bank Jaminan Perusahaan dan giro
PT Puspita Bisnispuri
Bank Shareholders Corporate Guarantee and Demand Deposits
Pemegang Saham Bank Jaminan Perusahaan dan Giro
PT Arthamulia Sentosajaya
Bank Shareholders Corporate Guarantee and Demand Deposits
Afiliasi Giro
PT Andana Utamagraha
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
PT Electronic City Indonesia Tbk
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro
PT Erajaya Swasembada Tbk
Affiliate Demand Deposits
Afiliasi Giro
PT Jakarta Internasional Hotels & Development Tbk
Affiliate Demand Deposits
Afiliasi Giro
PT Karya Megah Permai
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
PT Makmur Jaya Serasi
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro dan Deposito Berjangka
PT Tunas Satya Prakarsa
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro
PT Grahaputra Sentosa
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
PT Artha Telekomindo
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro
PT Danayasa Arthatama
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
PT Agung Sedayu
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro dan Deposito Berjangka
PT Agung Sedayu Permai
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro dan Deposito Berjangka
PT Multi Artha Pratama
Affiliate Demand Deposits and Time Deposits
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Nama Pihak Berelasi Sifat Pihak Berelasi Jenis Transaksi
Name of Related Party Name of Related Party Type of Transaction
Afiliasi Giro dan Deposito Berjangka
PT Global Persada Inti
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro
PT Artha Propertindo Indonesia
Affiliate Demand Deposits
Afiliasi Giro
PT Adinusa Puripratama
Affiliate Demand Deposits
Afiliasi Giro
PT Harapan Sinar Sejahtera
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
PT Catur Kusuma Abadi Sejahtera
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro
PT Gemilang Inti Persada
Affiliate Demand Deposits
Afiliasi Giro
PT Artha Graha Network
Affiliate Demand Deposits
Afiliasi Giro
PT Detik Amita Sakti
Affiliate Demand Deposits
Afiliasi Giro
PT Lava Pratama Indonesia
Affiliate Demand Deposits
Afiliasi Giro
PT Lentera Duasatu Propertindo
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
PT Kharisma Arya Paksi
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro
PT Kresna Aji Sembada
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
PT Artha Graha General Insurance
Affiliate Demand Deposits and Time Deposits
Afiliasi Giro
PT Bangun Kosambi Sukses
Affiliate Demand Deposits
Afiliasi Giro
PT Pantai Indah Kapuk Dua
Affiliate Demand Deposits
Afiliasi Giro dan Deposito Berjangka
Yayasan Buddha Tzu Chi
Affiliate Demand Deposits and Time Deposits
Manajemen dan Karyawan
Dewan Komisaris, Direksi dan Pejabat
Kunci Giro, Tabungan dan Deposito Berjangka
Board of Commissioners, Board of Directors,
Management and Key Demand Deposits, Savings, Time Deposits
Officials
Employees
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Realisasi Transaksi Pihak Berelasi dalam jutaan rupiah
Realization of Related Party Transactions in million rupiah
Uraian
2024 2023
Descriotion
Laporan Posisi Keuangan
Statement of Financial Position
Kredit yang Diberikan - Bersih
326.814 311.120
Loans - Net
Persentase dari Total Kredit yang Diberikan (%)
3,08 2,56
Percentage of Total Loans (%)
Persentase dari Total Aset (%)
1,08 1,19
Percentage of Total Assets (%)
Simpanan Nasabah
1.179.864 1.219.579
Customer Deposits
Persentase dari Total Simpanan Nasabah (%)
4,94 5,91
Percentage of Total Customer Deposits (%)
Persentase dari Total Liabilitas (%)
4,57 5,56
Percentage of Total Liabilities (%)
Laporan Laba Rugi dan Penghasilan Komprehensif Lain
Statement of Profit or Loss and Other Comprehensive Income
Pendapatan Bunga
18.119 15.342
Interest Income
Persentase dari Jumlah Pendapatan Bunga (%)
1,10 1,03
Percentage of Total Interest Expense (%)
Beban Bunga
30.723 15.422
Interest Expenses
Persentase dari Jumlah Beban Bunga (%)
4,17 3,07
Percentage of Total Interest Expense (%)
Beban Manajemen Kunci
37.036 37.126
Key Management Expenses
Persentase dari Jumlah Beban Tenaga Kerja (%)
12,90 13,26
Percentage of Total Labor Expenses (%)
Beban Sewa
22.059 24.187
Rent Expense
Persentase dari Jumlah Beban Operasi (%)
4,03 4,1
Percentage of Total Operating Expenses (%)
Kewajaran dan Alasan Dilakukan Transaksi Fairness and Reason for the Transaction
Transaksi dengan pihak berelasi dilakukan secara wajar sejalan Transactions with related parties are conducted fairly in line
dengan kepentingan Bank. Seluruh transaksi dengan pihak with the Bank’s interests. All transactions with related parties are
berelasi dilakukan berdasarkan atas kebutuhan usaha Bank based on the Bank’s business needs to improve its performance.
demi meningkatkan kinerja Bank.
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Pemenuhan Peraturan dan Ketentuan Terkait Compliance with Relevant Regulations and
Provisions
Dalam melaksanakan transaksi dengan pihak berelasi, Bank In conducting transactions with related parties, the Bank
mengacu pada peraturan yang berlaku sebagai berikut: adheres to the following applicable regulations:
1. Peraturan Bank Indonesia No. 8/13/PBl/2006 tentang 1. Bank Indonesia Regulation No. 8/13/PBI/2006 regarding
Perubahan atas PBI No. 7/3/PBI/2005 tentang Batas Amendments to PBI No. 7/3/PBI/2005 on the Maximum
Maksimum Pemberian Kredit Bank Umum; Limit of Credit Extension by Commercial Banks;
2. Peraturan Otoritas Jasa Keuangan No. 15/POJK.03/2018 2. Financial Services Authority (OJK) Regulation No. 15/
tentang Batas Maksimum Pemberian Kredit atau Batas POJK.03/2018 regarding the Maximum Limit of Credit or
Maksimum Penyaluran Dana Bank untuk Mendorong Maximum Fund Allocation by Banks to Support the Growth
Pertumbuhan Sektor Pariwisata dan Peningkatan Devisa; of the Tourism Sector and Increase Foreign Exchange;
3. Peraturan Otoritas Jasa Keuangan No. 32/POJK.03/2018 3. Financial Services Authority (OJK) Regulation No. 32/
tentang Batas Maksimum Pemberian Kredit dan POJK.03/2018 regarding the Maximum Limit of Credit
Penyediaan Dana Besar bagi Bank Umum; and Large Fund Provision for Commercial Banks;
4. Peraturan Otoritas Jasa Keuangan No. 38/POJK.03/2019 4. Financial Services Authority (OJK) Regulation No. 38/
tentang Perubahan atas Peraturan Otoritas Jasa Keuangan POJK.03/2019 regarding Amendments to Financial
No. 32/POJK.03/2018 tentang Batas Maksimum Services Authority Regulation No. 32/POJK.03/2018 on
Pemberian Kredit dan Penyediaan Dana Besar bagi Bank the Maximum Limit of Credit and Large Fund Provision for
Umum; dan Commercial Banks; and
5. Peraturan Otoritas Jasa Keuangan No. 42/POJK.04/2020 5. Financial Services Authority (OJK) Regulation No. 42/
tentang Transaksi Afiliasi dan Transaksi Benturan POJK.04/2020 regarding Affiliate Transactions and
Kepentingan. Conflicts of Interest Transactions.
Komitmen dan Kontinjensi dalam jutaan rupiah
Commitments and Contingencies in million rupiah
Uraian
2024 2023
Description
Tagihan Komitmen
Commitment Receivables
Pembelian Spot dan Forward Valuta Asing 222.895 421.161
Purchases of Foreign Exchange Spot and Forward
Liabilitas Komitmen
Commitment Liabilities
Fasilitas Kredit kepada Debitur yang Belum Digunakan (973.904) (466.698)
Unused Credit Facilities to Debtors
Irrevocable L/C yang Masih Berjalan (37.688) -
Outstanding Irrevocable Letters of Credit
Penjualan Spot dan Forward Valuta Asing (23.689) (208.905)
Sale of Foreign Exchange Spot and Forward
Lainnya (6.592) -
Others
Komitmen - Bersih (818.978) (254.442)
Commitment - Net
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Komitmen dan Kontinjensi dalam jutaan rupiah
Commitments and Contingencies in million rupiah
Uraian
2024 2023
Description
Tagihan Kontinjensi
Contingent Receivables
Pendapatan Bunga dalam Penyelesaian 6.178 6.178
Interest Income in Process of Settlement
Liabilitas Kontinjensi
Contingent Payables
Garansi yang Diterbitkan (19.227) (24.759)
Guarantees Issued
Setoran Titipan (113.497) (104.691)
Deposits
Lain-Lain (164.873) (156.692)
Others
Kontinjensi - Bersih (291.419) (279.964)
Contingent - Net
Liabilitas Komitmen dan Kontinjensi - Bersih (1.110.397) (534.406)
Commitment and Contingent Liabilities - Net
LARANGAN, BATASAN DAN/ATAU HAMBATAN PROHIBITIONS, RESTRICTIONS, AND/
SIGNIFIKAN UNTUK MELAKUKAN TRANSFER OR SIGNIFICANT IMPEDIMENTS TO FUND
DANA ANTARA BANK DAN ENTITAS LAIN TRANSFERS BETWEEN THE BANK AND
DALAM SUATU KELOMPOK USAHA OTHER ENTITIES WITHIN A BUSINESS GROUP
Bank tidak memiliki pembatasan dalam prosedur operasional The Bank does not have any operational restrictions regarding
terkait transfer dana Nasabah, baik dalam bentuk transfer customer fund transfers, whether inbound or outbound,
masuk maupun transfer keluar antara Bank dan entitas lain between the Bank and other entities within the same business
dalam satu kelompok usahanya. Dalam pelaksanaan Bank group. However, in the execution of these transactions, the
tetap mensyaratkan kelengkapan dokumen pendukung dari Bank requires complete supporting documentation from the
Nasabah sebelum melakukan pengaksepan Perintah Transfer customer before accepting a Fund Transfer Order for Foreign
Dana atas transaksi Lalu Lintas Devisa (LLD) berupa transfer Exchange Traffic (FET) transactions, specifically for outbound
dana keluar dalam bentuk valuta asing dengan nilai setara di foreign currency transfers with an equivalent value exceeding
atas USD100.000,00 (seratus ribu dollar Amerika Serikat), USD100,000.00 (one hundred thousand United States dollar),
Nasabah harus menyampaikan dokumen pendukung kepada The customer must provide the required supporting documents
Bank, sebagaimana dipersyaratkan di dalam Peraturan Bank to the Bank, as stipulated in Bank Indonesia Regulation No.
Indonesia No. 21/15/PBl/2019 tanggal 9 Desember 2019 tentang 21/15/PBI/2019 dated December 9, 2019, concerning the
Pemantauan Kegiatan Lalu Lintas Devisa Bank dan Nasabah. Monitoring of Foreign Exchange Traffic Activities by Banks and
Customers.
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TRANSAKSI-TRANSAKSI PENTING LAINNYA OTHER SIGNIFICANT TRANSACTIONS
DALAM JUMLAH YANG SIGNIFIKAN
Bank Artha Graha Internasional tidak melaksanakan transaksi- Bank Artha Graha Internasional did not engage in any other
transaksi penting lainnya dalam jumlah yang signifikan pada significant transactions in 2024.
tahun 2024.
PERUBAHAN PERATURAN PERUNDANG- CHANGES IN LAWS AND REGULATIONS AND
UNDANGAN DAN DAMPAKNYA TERHADAP THEIR IMPACT ON THE COMPANY IN 2024
PERUSAHAAN PADA TAHUN 2024
Bank melakukan kajian terhadap peraturan baru maupun The Bank conducts reviews of new regulations as well as
amendemen dari peraturan yang telah ada sebelumnya amendments to existing regulations in order to identify any
untuk mengidentifikasi dampak yang mungkin ditimbulkan potential impacts arising from these changes and to ensure
dari perubahan ketentuan tersebut dan kepatuhan Bank the Bank’s compliance with the applicable provisions. The
terhadap peraturan tersebut. Penjelasan tentang peraturan dan following is an overview of the regulations and amendments
perubahannya yang efektif berlaku di sepanjang tahun 2024 that became effective during 2024 and their impact on the
dan dampaknya terhadap kinerja Bank adalah sebagai berikut: Bank’s performance:
Nama Peraturan
Penjelasan Pengaruh Terhadap Bank
No. Perundang-undangan
Explanation Impact on the Bank
Laws and Regulations
• Penambahan ketentuan UU No. 6 Tahun
• UU No. 6 Tahun 2023 tentang Cipta 2023 tentang Cipta Kerja.
Kerja.
• Penambahan ketentuan UU No. 4 Tahun
• UU No. 4 Tahun 2022 tentang 2022 tentang Pengembangan & Penguatan
Pengembangan & Penguatan Sektor Sektor Keuangan.
Keuangan.
• Penambahan ketentuan POJK No. 45/
• POJK No. 45/POJK.03/2015 tentang POJK.03/2015 tentang Penerapan Tata
Penerapan Tata Kelola Dalam Kelola dalam Pemberian Remunerasi Bagi
Pemberian Remunerasi Bagi Bank Bank Umum.
Umum. Telah dilakukan penyesuaian
• Penambahan ketentuan POJK No. 17 Tahun
PKP No. 0024.03.0 tanggal 28
• POJK No. 17 Tahun 2023 tentang 2023 tentang Penerapan Tata Kelola Bagi
Desember 2023 Perihal: Tata Kelola
Penerapan Tata Kelola Bagi Bank Bank Umum.
Perusahaan Yang Baik / Good
Umum.
1 • Inclusion of provisions from Law No. 6 of Corporate Governance (GCG).
• Law No. 6 of 2023 concerning Job 2023 concerning Job Creation.
An adjustment has been made
Creation;
• Inclusion of provisions from Law No. 4 of to PKP No. 0024.03.0 dated
• Law No. 4 of 2022 concerning the 2022 concerning the Development and December 28, 2023, regarding:
Development and Strengthening of the Strengthening of the Financial Sector. Good Corporate Governance (GCG).
Financial Sector;
• Inclusion of provisions from Regulation
• OJK Regulation No. 45/POJK.03/2015 No. 45/POJK.03/2015 concerning the
concerning the Implementation Implementation of Governance in the
of Governance in the Provision of Provision of Remuneration for Commercial
Remuneration for Commercial Banks; Banks.
• OJK Regulation No. 17 of 2023 • Inclusion of provisions from OJK
concerning the Implementation of Regulation No. 17 of 2023 concerning
Governance for Commercial Banks. the Implementation of Governance for
Commercial Banks.
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Nama Peraturan
Penjelasan Pengaruh Terhadap Bank
No. Perundang-undangan
Explanation Impact on the Bank
Laws and Regulations
Telah dilakukan penyesuaian
PAP No. 140101.03.0 tanggal
Penyesuaian dasar hukumnya yaitu POJK No.
10 September 2024 Perihal:
POJK No. 21 Tahun 2023 tentang 21 Tahun 2023 tentang Layanan Digital oleh
Penyelenggaraan Layanan
Layanan Digital oleh Bank Umum. Bank Umum.
Perbankan Digital Oleh Bank Umum.
2 POJK Regulation No. 21 of 2023 The legal basis was adjusted in accordance
An adjustment has been made
concerning Digital Services by Commercial with OJK Regulation No. 21 of 2023
to PAP No. 140101.03.0 dated
Banks. concerning Digital Services by Commercial
September 10, 2024, regarding: The
Banks.
Provision of Digital Banking Services
by Commercial Banks.
• Penambahan ketentuan POJK No. 33/
POJK.03/2017 tentang Direksi dan Dewan
Komisaris Emiten atau Perusahaan Publik.
• Penambahan ketentuan SEOJK No. 13/
SEOJK.03/2017 tentang Penerapan Tata
Kelola Bagi Bank Umum.
• Penyesuaian ketentuan terkait Ketentuan
• POJK No. 33/POJK.04/2017 tentang Umum Persyaratan Etika.
Direksi dan Dewan Komisaris Emiten
• Penyesuaian ketentuan terkait Struktur
atau Perusahaan Publik.
Organisasi Direksi.
Telah dilakukan penyesuaian
• SEOJK No. 13/SEOJK.03/2017 tentang
• Penyesuaian ketentuan terkait Prosedur dan PKP No. 0027.04.0 tanggal 28
Penerapan Tata Kelola Bagi Bank
Mekanisme Kerja. Desember 2023 Perihal: Pedoman
Umum.
dan Tata Tertib Kerja Direksi.
• Inclusion of provisions from OJK Regulation
3 • OJK Regulation No. 33/POJK.04/2017
No. 33/POJK.03/2017 concerning the Board An adjustment has been made to
concerning the Board of Directors and
of Directors and Board of Commissioners of PKP No. 0027.04.0 dated December
Board of Commissioners of Issuers or
Issuers or Public Companies; 28, 2023, concerning: Guidelines
Public Companies.
and Code of Conduct for the Board
• Inclusion of provisions from OJK Circular
• OJK Circular Letter No. 13/ of Directors.
Letter No. 13/SEOJK.03/2017 concerning
SEOJK.03/2017 concerning the
the Implementation of Governance for
Implementation of Governance for
Commercial Banks;
Commercial Banks.
• Adjustment of provisions related to General
Ethical Requirements;
• Adjustment of provisions related to the
Organizational Structure of the Board of
Directors;
• Adjustment of provisions related to Work
Procedures and Mechanisms
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Nama Peraturan
Penjelasan Pengaruh Terhadap Bank
No. Perundang-undangan
Explanation Impact on the Bank
Laws and Regulations
• Penambahan ketentuan UU No. 11 Tahun
2020 tentang Cipta Kerja.
• UU No. 11 Tahun 2020 tentang Cipta • UU No. 6 Tahun 2023 tentang Penetapan
Kerja. Perpu No. 2 Tahun 2022 tentang Cipta
• UU No. 6 Tahun 2023 tentang Kerja menjadi UU.
Penetapan Perpu No. 2 Tahun 2022 • UU No. 4 Tahun 2023 tentang
tentang Cipta Kerja menjadi UU. Pengembangan dan Penguatan Sektor
• UU No. 4 Tahun 2023 tentang Keuangan.
Pengembangan dan Penguatan Sektor • POJK No. 27/POJK.03/2016 tentang
Keuangan. Penilaian Kemampuan dan Kepatutan Bagi
• POJK No. 27/POJK.03/2016 tentang Pihak Utama Lembaga Jasa Keuangan.
Penilaian Kemampuan dan Kepatutan • SEOJK No. 39/SEOJK.03/2016 tentang
Bagi Pihak Utama Lembaga Jasa Penilaian Kemampuan dan Kepatutan bagi
Keuangan. Calon Pemegang Saham Pengendali, Calon
• SEOJK No. 39/SEOJK.03/2016 tentang Anggota Direksi, dan Calon Anggota Dewan
Penilaian Kemampuan dan Kepatutan Komisaris Bank.
bagi Calon Pemegang Saham • POJK No. 17 Tahun 2023 tentang
Pengendali, Calon Anggota Direksi, dan Penerapan Tata Kelola Bagi Bank Umum.
Calon Anggota Dewan Komisaris Bank.
• SEOJK No. 13/SEOJK.03/2017 tentang
• POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank Umum.
Penerapan Tata Kelola Bagi Bank
• Penyesuaian ketentuan umum terkait
Umum.
Persyaratan dan Etika.
• SEOJK No. 13/SEOJK.03/2017 tentang Telah dilakukan penyesuaian
• Penyesuaian ketentuan terkait Tugas dan
Penerapan Tata Kelola Bagi Bank PKP No. 0006.05.0 tanggal 28
Tanggung Jawab Dewan Komisaris.
Umum. Desember 2023 Perihal: Pedoman
• Inclusion of provisions from Law No. 11 of dan Tata Tertib Kerja Dewan
• Law No. 11 of 2020 concerning Job
2020 concerning Job Creation. Komisaris.
4 Creation.
• Law No. 6 of 2023 concerning the An adjustment has been made
• Law No. 6 of 2023 concerning the
Enactment of Government Regulation in to PKP No. 0006.05.0 dated
Enactment of Government Regulation in
Lieu of Law No. 2 of 2022 concerning Job December 28, 2023, concerning:
Lieu of Law No. 2 of 2022 concerning
Creation into Law. Guidelines and Code of Conduct for
Job Creation into Law.
• Law No. 4 of 2023 concerning the the Board of Commissioners.
• Law No. 4 of 2023 concerning the
Development and Strengthening of the
Development and Strengthening of the
Financial Sector.
Financial Sector.
• OJK Regulation No. 27/POJK.03/2016
• OJK Regulation No. 27/POJK.03/2016
concerning the Assessment of the
concerning the Assessment of
Competence and Suitability of Key Parties in
Competence and Suitability of Key
Financial Services Institutions.
Parties in Financial Services Institutions.
• OJK Circular Letter No. 39/SEOJK.03/2016
• OJK Circular Letter No. 39/
concerning the Assessment of Competence
SEOJK.03/2016 concerning the
and Suitability for Prospective Controlling
Assessment of Competence and
Shareholders, Prospective Board Members,
Suitability for Prospective Controlling
and Prospective Commissioners of Banks.
Shareholders, Prospective Board
Members, and Prospective • OJK Regulation No. 17 of 2023 concerning
Commissioners of Banks. the Implementation of Governance for
Commercial Banks.
• OJK Regulation No. 17 of 2023
concerning the Implementation of • OJK Circular Letter No. 13/SEOJK.03/2017
Governance for Commercial Banks. concerning the Implementation of
Governance for Commercial Banks.
• OJK Circular Letter No. 13/
SEOJK.03/2017 concerning the • Adjustment of general provisions related to
Implementation of Governance for Ethical Requirements.
Commercial Banks. • Adjustment of provisions concerning the
Duties and Responsibilities of the Board of
Commissioners
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Nama Peraturan
Penjelasan Pengaruh Terhadap Bank
No. Perundang-undangan
Explanation Impact on the Bank
Laws and Regulations
• Penyesuaian dasar hukumnya menjadi POJK
No. 37/POJK.03/2019 tentang Transparansi
dan Publikasi Laporan Bank. Telah dilakukan penyesuaian PKP
No. 0015.03.0 tanggal 20 Juni
POJK No. 37/POJK.03/2019 tentang • Perubahan narasi dengan penambahan
2024 Perihal: Laporan Tahunan dan
Transparansi dan Publikasi Laporan Bank. laporan keberlanjutan.
Laporan Keberlanjutan.
5 OJK Regulation No. 37/POJK.03/2019 • Adjustment of the legal basis to OJK
An adjustment has been made to
concerning Transparency and Publication Regulation No. 37/POJK.03/2019 concerning
PKP No. 0015.03.0 dated June 20,
of Bank Reports. Transparency and Publication of Bank
2024, concerning: Annual Report
Reports.
and Sustainability Report.
• Revision of the narrative with the inclusion of
a sustainability report.
• POJK No. 17/POJK.04/2020 tentang
Transaksi Material dan Perubahan Penyesuaian dasar hukumnya yaitu 17/ Telah dilakukan penyesuaian PKP
Kegiatan Usaha. POJK.04/2020 tentang Transaksi Material No. 001.03.0 tanggal 20 Juni 2024
dan Perubahan Kegiatan Usaha dan POJK No. Perihal: Pedoman Penanganan
• POJK No. 9/POJK.04/2018 tentang
9/POJK.04/2018 tentang Pengambilalihan Benturan Kepentingan dan Transaksi
Pengambilalihan Perusahaan Terbuka.
Perusahaan Terbuka. Afiliasi.
6 • OJK Regulation No. 17/POJK.04/2020
The legal basis adjustments are Regulation An adjustment has been made to
concerning Material Transactions and
No. 17/POJK.04/2020 concerning Material PKP No. 001.03.0 dated June 20,
Changes in Business Activities.
Transactions and Business Activity Changes, 2024, concerning: Guidelines for
• OJK Regulation No. 9/POJK.04/2018 and POJK No. 9/POJK.04/2018 concerning Handling Conflicts of Interest and
concerning the Acquisition of Public the Acquisition of Public Companies. Affiliated Transactions.
Companies.
• Penyesuaian dasar hukumnya yaitu POJK
• POJK No. 15/POJK.04/2020 tentang No. 15/POJK.04/2020 tentang Rencana
Rencana dan Penyelenggaraan RUPS dan Penyelenggaraan RUPS Perusahaan
Perusahaan Terbuka. Terbuka. Telah dilakukan penyesuaian
PKP No. 0026.04.0 tanggal
• POJK No. 17 Tahun 2023 tentang • Perubahan narasi serta penambahan pada
15 Juni 2024 Perihal: Prosedur
Penerapan Tata Kelola Bagi Bank ketentuan terkait pelaksanaan RUPS.
Penyelenggaraan Rapat Umum
Umum.
• Adjustment of the legal basis to OJK Pemegang Saham.
7 • OJK Regulation No. 15/POJK.04/2020 Regulation No. 15/POJK.04/2020
An adjustment has been made to
concerning the Plan and Implementation concerning the Plan and Implementation of
PKP No. 0026.04.0 dated June 15,
of the General Meeting of Shareholders the General Meeting of Shareholders (GMS)
2024, concerning: Procedures for
(GMS) for Public Companies. for Public Companies.
the Implementation of the General
• OJK Regulation No. 17 of 2023 • Revision of the narrative and the addition of Meeting of Shareholders.
concerning the Implementation of provisions related to the implementation of
Governance for Commercial Banks. the GMS.
Penambahan ketentuan SEOJK No. 40/
SEOJK.03/2016 tentang Penerapan Tata
Kelola dalam Pemberian Remunerasi Bagi Telah dilakukan penyesuaian PKP
Bank Umum dan POJK No. 17 Tahun 2023 No.0033.03.1 tanggal 20 Juni 2024
SEOJK No. 40/SEOJK.03/2016 tentang
tentang Penerapan Tata Kelola Bagi Bank Perihal: Penerapan Tata Kelola
Penerapan Tata Kelola dalam Pemberian
Umum. dalam Pemberian Remunerasi PT
Remunerasi Bagi Bank Umum.
BAGI, Tbk.
OJK Circular Letter No. 40/ Inclusion of provisions from OJK Circular
8 An adjustment has been made
SEOJK.03/2016 concerning the Letter No. 40/SEOJK.03/2016 concerning the
Implementation of Governance in the Provision to PKP No. 0033.03.1 dated
Implementation of Governance in the
of Remuneration for Commercial Banks and June 20, 2024, concerning: The
Provision of Remuneration for Commercial
OJK Regulation No. 17 of 2023 concerning the Implementation of Governance in
Banks.
Implementation of Governance for Commercial the Provision of Remuneration for PT
Banks. BAGI Tbk.
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Nama Peraturan
Penjelasan Pengaruh Terhadap Bank
No. Perundang-undangan
Explanation Impact on the Bank
Laws and Regulations
Telah dilakukan penyesuaian
PKP No. 0026.04.0 tanggal
Penambahan ketentuan POJK No 17 Tahun 15 Juni 2024 Perihal: Prosedur
POJK No. 17 Tahun 2023 tentang
2023 tentang Penerapan Tata Kelola bagi Penyelenggaraan Rapat Umum
Penerapan Tata Kelola bagi Bank Umum.
Bank Umum. Pemegang Saham.
9 OJK Regulation No. 17 of 2023 concerning
Inclusion of provisions from OJK Regulation An adjustment has been made to
the Implementation of Governance for
No. 17 of 2023 concerning the Implementation PKP No. 0026.04.0 dated June 15,
Commercial Banks.
of Governance for Commercial Banks. 2024, concerning: Procedures for
the Implementation of the General
Meeting of Shareholders (GMS).
• Penambahan ketentuan POJK No 17 Tahun
• POJK No. 17 Tahun 2023 tentang 2023 tentang Penerapan Tata Kelola bagi
Penerapan Tata Kelola bagi Bank Bank Umum.
Umum.
• Penambahan ketentuan SEOJK No. 34/
• SEOJK No. 34/SEOJK.03/2021 tentang SEOJK.03/2021 tentang Buku Panduan
Telah dilakukan penyesuaian PKP
Buku Panduan Akuntansi Perbankan Akuntansi Perbankan Bagi Bank Umum
No. 0019.02.0 tanggal 20 Juni
Bagi Bank Umum Konvensional (BUK). Konvensional (BUK).
2024 Perihal: Dividen.
10 • OJK Regulation No. 17 of 2023 • Inclusion of provisions from OJK
An adjustment has been made to
concerning the Implementation of Regulation No. 17 of 2023 concerning
PKP No. 0019.02.0 dated June 20,
Governance for Commercial Banks. the Implementation of Governance for
2024, concerning: Dividends.
Commercial Banks.
• OJK Circular Letter No. 34/
SEOJK.03/2021 concerning the • Inclusion of provisions from OJK Circular
Accounting Manual for Conventional Letter No. 34/SEOJK.03/2021 concerning
Commercial Banks (BUK). the Accounting Manual for Conventional
Commercial Banks (BUK).
PERUBAHAN KEBIJAKAN AKUNTANSI CHANGE IN ACCOUNTING POLICY
Terdapat sejumlah revisi dan amandemen PSAK dan ISAK yang There have been a number of revisions and amendments to
diterbitkan oleh Dewan Standar Akuntansi Keuangan (DSAK) - PSAK and ISAK issued by the Financial Accounting Standards
IAI yang relevan untuk Bank, yang berlaku efektif untuk laporan Board (DSAK) - IAI that are relevant to the Bank and effective for
keuangan pada tanggal 31 Desember 2024: financial statements as of December 31, 2024:
1. Amandemen PSAK 1: “Penyajian Laporan Keuangan” 1. Amendment to PSAK 1: “Presentation of Financial
tentang pengungkapan kebijakan akuntansi yang Statements” regarding the disclosure of accounting policies,
mengubah istilah “signifikan” menjadi “material” dan which changes the term “significant” to “material” and
memberi penjelasan mengenai kebijakan akuntansi provides clarification on material accounting policies;
material;
2. Amandemen PSAK 1: “Penyajian Laporan Keuangan” 2. Amendment to PSAK 1: “Presentation of Financial
tentang klasifikasi liabilitas; Statements” regarding the classification of liabilities;
3. Amandemen PSAK 16: “Aset Tetap” tentang hasil sebelum 3. Amendment to PSAK 16: “Property, Plant, and Equipment”
penggunaan yang diintensifkan; regarding proceeds before intended use;
4. Amandemen PSAK 25: “Kebijakan Akuntansi, Perubahan 4. Amendment to PSAK 25: “Accounting Policies, Changes in
Estimasi Akuntansi, dan Kesalahan” tentang definisi Accounting Estimates, and Errors” concerning the definition
“estimasi akuntansi” dan penjelasannya; of “accounting estimates” and its explanation;
5. Amandemen PSAK 46: “Pajak Penghasilan” tentang Pajak 5. Amendment to PSAK 46: “Income Taxes” regarding
Tangguhan terkait Aset dan Liabilitas yang timbul dari deferred tax related to assets and liabilities arising from a
Transaksi Tunggal; dan single transaction.
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6. PSAK No. 109 yang sebelumnya PSAK 71: “Instrumen 6. PSAK No. 109, previously PSAK 71: “Financial Instruments,”
Keuangan” tentang pengakuan, pengukuran, penyajian regarding the recognition, measurement, presentation, and
dan pengungkapan instrumen keuangan, termasuk disclosure of financial instruments, including classification,
klasifikasi, pengukuran, penurunan nilai dan akuntansi measurement, impairment, and hedge accounting.
lindung nilai.
Saat ini, Bank sedang mengevaluasi dan belum menetapkan Currently, the Bank is evaluating and has not yet determined
dampak dari PSAK yang dikeluarkan dan direvisi tersebut the impact of the issued and revised PSAK on its financial
terhadap laporan keuangannya. statements.
TINGKAT KESEHATAN BANK BANK SOUNDNESS LEVEL
Bank melakukan penilaian mandiri (self-assessment) terhadap The Bank conducts a self-assessment of its Bank Soundness
Tingkat Kesehatan Bank setiap semester yang berpedoman Level every semester, based on the provisions of OJK
pada Peraturan OJK No. 4/POJK.03/2016 tentang Penilaian Regulation No. 4/POJK.03/2016 concerning the Assessment
Tingkat Kesehatan Bank Umum menggunakan pendekatan of Commercial Bank Soundness Level using a Risk-Based Bank
risiko (Risk Based Bank Rating) dengan cakupan penilaian Rating (RBBR) approach. The assessment covers the following
meliputi faktor Profil Risiko (Risk Profile), Tata Kelola (Good factors: Risk Profile, Good Corporate Governance, Earnings,
Corporate Governance), Rentabilitas (Earnings), dan Permodalan and Capital, to determine a composite rating of the Bank’s
(Capital) untuk menghasilkan peringkat komposit Tingkat soundness level.
Kesehatan Bank.
Hasil penilaian mandiri (self-assessment) Bank terhadap Tingkat Based on the Bank’s self-assessment at the end of 2024, the
Kesehatan Bank pada akhir tahun 2024 memperoleh peringkat Bank obtained a composite rating of “Sound” or PK-2. This
komposit “Sehat” atau PK-2. Hal ini mencerminkan bahwa reflects that “The Bank is generally in a sound condition and
“Kondisi Bank yang secara umum Sehat sehingga dinilai mampu is considered capable of withstanding significant negative
menghadapi pengaruh negatif yang signifikan dari perubahan impacts from changes in business conditions and other external
kondisi bisnis dan faktor eksternal Iain tercermin dari peringkat factors, as indicated by the assessment factors, including risk
faktor penilaian, antara lain profil risiko, penerapan tata kelola, profile, governance implementation, earnings, and capital,
rentabilitas, dan permodalan yang secara umum baik. Dalam which are generally good. In the event of any weaknesses, such
hal terdapat kelemahan maka secara umum kelemahan tersebut weaknesses are generally not significant.
kurang signifikan”.
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Tinjauan Pendukung Bisnis
Business Support Review
HUMAN CAPITAL HUMAN CAPITAL
Strategi Pengembangan Human Capital Human Capital Development Strategy
Untuk mewujudkan salah satu butir misi-nya, yaitu To actualize one of its mission points, namely “Developing
“Mengembangkan sumber daya manusia yang handal dan reliable and dedicated human resources”, Bank Artha
berdedikasi”, Bank Artha Graha Internasional terus menjalankan Graha Internasional continues to carry out Human Capital
program kerja pengembangan Sumber Daya Manusia (SDM) development work programs in the short and medium term in
pada jangka pendek dan menengah, yang program maupun line with the Bank’s Business Plan and Long-term Plan.
pelaksanaannya diselaraskan dengan Rencana Bisnis Bank
dan Rencana Jangka Panjang Bank.
Bank Artha Graha Internasional memiliki tujuan besar yaitu Bank Artha Graha International’s main objective is to draw
Bank mampu menarik dan mempertahankan talenta terbaik in and keep Indonesia’s top talents, who have outstanding
Indonesia yang memiliki kapabilitas unggul dengan tingkat competencies and high productivity levels, in order to
produktivitas yang tinggi untuk mencapai tujuan strategis dan accomplish the strategic goals and business goal of the bank.
target bisnis Bank.
Program-program pengembangan Human Capital (bukan The Human Capital development programs (excluding training
program pelatihan) yang dijalankan tahun 2024, adalah programs) implemented in 2024 are Regeneration and
Regenerasi dan Engagement. Engagement.
Realisasi Pengembangan Human Capital 2024 Realization of Human Capital Development in 2024
Selama periode tahun 2024, Direktorat Human Capital telah In 2024, the Human Capital Directorate has implemented a
melaksanakan sejumlah inisiatif dan program kerja sesuai number of initiatives and work programs in accordance with the
dengan target atau rencana pengembangan Human Capital Human Capital development targets or plans set by the Bank
yang telah ditetapkan oleh Bank untuk tahun 2024 sebagai for 2024 as follows:
berikut:
1. Re-arrange Organization 1. Re-arrange Organization
Akuisisi dan penempatan karyawan sesuai dengan The acquisition and placement of employees are carried
kompetensinya sehingga target yang ditetapkan dapat out according to their competencies to ensure that the set
tercapai. Dilakukan perampingan jumlah human capital targets can be achieved. A downsizing of human capital is
untuk mendukung model bisnis. also conducted to support the business model.
2. Shaping the New Future 2. Shaping the New Future
Untuk mencapai hasil yang lebih baik dimasa depan To achieve better outcomes in the future and ensure
dan regenerasi pejabat dilakukan pencarian kandidat leadership regeneration, new candidates for leadership
baru calon pejabat baik secara internal maupun prohire. positions are sought both internally and through professional
Mengembangkan kompetensi karyawan dengan cara hiring. Employee competencies are developed through
memberikan pelatihan, memberikan coaching dan training, coaching, and mentoring, while retaining existing
mentoring serta mempertahankan kader yang dimiliki talent (graduates of internal development programs).
(lulusan peserta program).
3. Empowering Human Capital 3. Empowering Human Capital
Melakukan penyusunan kompetensi sesuai dengan Preparing competencies according to job specifications.
spesifikasi jabatannya.
4. Regeneration & Engagement 4. Regeneration & Engagement
Pemberian reward dan insentif kepada karyawan/Cabang Providing rewards and incentives to employees or branches
yang berhasil mencapai target. that successfully achieve their targets.
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KEBIJAKAN DAN PELAKSANAAN MANAJEMEN HUMAN CAPITAL MANAGEMENT POLICY AND
HUMAN CAPITAL IMPLEMENTATION
Rekrutmen Recruitment
Bank memiliki berbagai channel rekrutmen yang memberikan Bank Artha Graha International offers possibilities for people
kesempatan bagi berbagai lapisan masyarakat untuk bergabung from different social strata to apply through a variety of
bersama Bank Artha Graha Internasional. Pelaksanaan recruitment methods. In 2024, hiring new employees was
rekrutmen karyawan tahun 2024 dilakukan melalui berbagai conducted through a variety of internal and external recruitment
channel rekrutmen dari eksternal maupun internal untuk channels in order to guarantee that the work unit is staffed with
memastikan pemenuhan karyawan di unit kerja sesuai dengan enough people to meet its capacity and number of needs. In
kebutuhan jumlah maupun kapabilitas. Pelaksanaan rekrutmen the process of hiring, the Bank included possibilities for gender
di Bank telah menerapkan kesetaraan gender dan kesempatan equality and people with impairments. Throughout 2024,
bagi penyandang disabilitas. Sepanjang tahun 2024, Bank the Bank recruited a total of 214 new employees for various
telah melakukan rekrutmen sebanyak 214 orang karyawan positions
baru untuk berbagai posisi.
Penilaian Kinerja Performance Appraisal
Penilaian kinerja karyawan Bank Artha Graha Internasional Bank Artha Graha Internasional’s employee performance
dilaksanakan secara konsisten dan berkesinambungan, setiap appraisal is conducted consistently and continuously, twice a
2 (dua) kali dalam setahun. Penilaian kinerja karyawan Bank year. The performance assessment of the Bank’s employees is
dilakukan metode Performance Management yang dilakukan carried out by the Performance Management method which is
secara objektif dengan berlandaskan pada indikator yang telah carried out objectively based on predetermined indicators.
ditetapkan sebelumnya.
Hasil penilaian kinerja (Performance Management Evaluation) The results of performance management evaluation which will
yang akan dikombinasikan dengan pemenuhan kompetensi be combined with the fulfillment of technical competencies of
teknis Karyawan dengan menggunakan metode Nine Grids ini employees using the Nine Grids method will be the basis for
akan menjadi dasar untuk promosi, jenjang karier Karyawan promotions, career paths of employees and the provision of
dan pemberian reward and recognition. rewards and recognition.
Sebagai indikator yang dapat diukur dalam Performance The indicators that can be measured in Performance
Management tersebut adalah: Management are:
1. Key Performance Indicator (KPI) 1. Key Performance Indicator (KPI)
A. Pilar A (Karakter) A. Pillar A (Character)
a) Dasar: a) Basis:
1. Kesetiaan; 1. Loyalty;
2. Kejujuran/Integritas; 2. Honesty/Integrity;
3. Kedisiplinan; 3. Discipline;
4. Tanggung jawab; 4. Responsibility;
5. Konsistensi; 5. Consistency;
6. Penguasaan pekerjaan; 6. Job mastery;
7. Kepekaan Sosial; dan 7. Social sensitivity; and
8. Toleransi keberagaman 8. Tolerance of diversity.
b) Manajerial: b) Managerial:
1. Kemampuan memecahkan masalah; 1. Problem solving ability;
2. Perencanaan kerja; 2. Work planning;
3. Inisiatif; 3. Initiative;
4. Leadership; 4. Leadership;
5. Negotiation skills; dan 5. Negotiation skills;
6. Communication skills. 6. Communication skills;
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B. Pilar B (Kinerja): B. Pillar B (Performance):
a) Financial Performance; a) Financial Performance;
b) Customer Francise; b) Customer Franchise;
c) Internal Process; dan c) Internal Process;
d) People & Development. d) People & Development;
C. Pilar C (Credit Penalty) C. Pillar C (Credit Penalty)
Pengembangan Karier Career Development
Pengembangan karier merupakan salah satu strategi untuk Career development is one of the methods to prepare, develop,
mempersiapkan, mengembangkan, dan mempertahankan and retain talented workers. The Bank provides equal chances
karyawan yang bertalenta. Bank memberikan kesempatan to all employees at every level of the organization to be able
yang sama kepada seluruh karyawan di setiap level organisasi to develop their careers in the Bank in accordance with their
untuk dapat mengembangkan kariernya di Bank sesuai dengan talents and competences.
kemampuan dan kompetensi yang dimiliki.
Bank telah menerapkan kebijakan pengembangan karier The Bank has implemented a career development policy
sebagaimana yang diatur dalam Surat Edaran SDM No. as stipulated in HR Circular Letter No. 003.02.0 regarding
003.02.0 tentang Ketentuan Promosi dan Demosi. Promotion and Demotion Provisions. This career development
Pengembangan karier ini dilakukan karena hal tersebut is implemented as it affects the level of Employee satisfaction.
memengaruhi tingkat kepuasan Karyawan. Oleh karena itu, Therefore, the Bank provides equal opportunities to all
Bank memberikan peluang atau kesempatan yang sama kepada Employees to develop their careers based on competencies
seluruh Karyawan untuk mengembangkan karier berdasarkan and needs. Bank Artha Graha Internasional implemented
kompetensi dan kebutuhan. Bank Artha Graha Internasional career development for 510 employees with various positions
telah melaksanakan pengembangan karier bagi 510 karyawan throughout 2024.
dengan berbagai posisi di sepanjang tahun 2024.
Pengembangan Kompetensi Competency Development
Seluruh karyawan Bank memiliki hak yang sama untuk All employees of the Bank have the same rights to participate
mengikuti berbagai program pengembangan kompetensi in various competency development programs to encourage
guna mendorong peningkatan kualitas dan produktivitas kerja. the improvement of work quality and productivity. Through
Melalui program tersebut, setiap karyawan dibekali berbagai these programs, each employee is equipped with various
materi yang berkaitan dengan dinamika industri perbankan, materials related to the dynamics of the banking industry, such
seperti pertumbuhan bisnis, layanan dan produk baru, as business growth, new services and products, digital product
pengembangan produk digital, serta penerapan manajemen development, as well as the implementation of risk management
risiko dan tata kelola Bank. and Bank governance.
Agar pelaksanaannya lebih terarah dan tepat sasaran, Bank In order to ensure that the implementation is more focused and
telah menyusun 4 (empat) jenis kegiatan pengembangan targeted, the Bank has organized 4 (four) types of competency
kompetensi sebagai berikut: development activities as follows.
1. Pelatihan Operasional 1. Operational Training
Memberikan/meningkatkan pengetahuan ser ta To provide or to improve participants’ knowledge and
keterampilan para peserta terkait pengelolaan operasional abilities in the area of managing banking operations in
perbankan sehingga dapat meningkatkan kinerjanya; order to enhance their performance.
2. Pelatihan Kredit 2. Credit Training
Membekali/meningkatkan pengetahuan serta keterampilan To improve the participants’ knowledge and skills related
para peserta terkait pengelolaan kredit & marketing; to credit management & marketing.
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3. Pelatihan Manajerial 3. Managerial Training
Membekali pengetahuan serta keterampilan para Giving participants the information and competencies
peserta terkait bidang manajerial/soft skill (Leadership necessary for managerial and soft skills development
dan keterampilan mengelola Karyawan/pekerjaan); dan (leadership and job management).
4. Pelatihan Lainnya 4. Other Training
Membekali/meningkatkan pengetahuan dan keterampilan Empowering or improving participants’ expertise in areas
peserta di luar pengetahuan perbankan, tetapi masih ada unrelated to banking, but nevertheless relevant to banking
kaitan dengan pengelolaan perbankan (Human Capital, management (Human Capital, IT, Legal, etc.)
IT, Legal, dll).
Pelaksanaan Pengembangan Kompetensi
Implementation of Competency Development
Jumlah program yang diselenggarakan Pelatihan/Kegiatan Sosialisasi
Number of programs held Training/Socialization Activities
Metode pelaksanaan program Onsite dan Online
Program implementation methods Onsite and Online
Pemenuhan kewajiban Sertifikasi SPPUR, Penyetaraan Sertifikasi
Manajemen Risiko, Account Officer Program dan Kaderisasi SO Kepala
Fokus program Kantor Layanan
Program focus
Fulfillment of SPPUR Certification obligations and Cadreization of SO
Heads of Service Offices and Team Leaders
Biaya pelaksanaan program
Rp9.925.554.009
Program implementation costs
Remunerasi Remuneration
Remunerasi merupakan hak yang diberikan kepada karyawan Remuneration is the right given to employees for their
atas kinerja dan tanggung jawab yang telah dilakukan. Bank performance and responsibilities. Bank Artha Graha
Artha Graha Internasional senantiasa memberikan remunerasi Internasional always provides competitive remuneration based
yang kompetitif dan berpedoman pada prinsip pay for on the principles of pay for performance, internal equity, and
performance, internal equity, dan external competitiveness. external competitiveness.
Pemberian remunerasi diharapkan mampu memotivasi dan The remuneration is expected to motivate and retain the best
mempertahankan karyawan terbaik untuk memenuhi SDM employees to fulfill professional and qualified human resources,
yang profesional dan berkualitas, sehingga pertumbuhan so that the Bank’s business growth can be achieved. The Bank’s
bisnis Bank dapat tercapai. Penetapan remunerasi juga turut financial health, its level and weight, and the accomplishment
memperhatikan kondisi keuangan Bank, jenjang dan bobot, of staff performance goals are all taken into consideration when
serta pencapaian kinerja karyawan. determining compensation.
Kebijakan remunerasi Bank Artha Graha Internasional juga Bank Artha Graha Internasional’s remuneration policy also
mematuhi ketentuan yang terdapat pada Peraturan OJK No. complies with the provisions contained in OJK Regulation No.
45/POJK.03/2015 tentang Penerapan Tata Kelola Dalam 45/POJK.03/2015 concerning Implementation of Governance
Pemberian Remunerasi Bagi Bank Umum. in Providing Remuneration for Commercial Banks.
Remunerasi yang diberikan oleh Bank terdiri fix dan variable. Remuneration provided by the Bank consists of fixed and
Komponen fix terdiri dari gaji dan cash subsidy sesuai dengan variable components. The fixed component consists of salary
jenjang jabatan. Sementara komponen variable, terdiri dari and cash subsidy in accordance with the position. Meanwhile,
2 (dua) jenis, yaitu insentif dan bonus. Insentif diberikan the variable component consists of 2 (two) types, namely
kepada karyawan di fungsi penjualan (sales), baik pendanaan incentives and bonuses. Incentives are given to employees
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(funding) maupun pinjaman (lending), serta fungsi penagihan in the sales function, both funding and lending, as well as
(collection). Bonus diberikan kepada karyawan berprestasi di the collection function. Bonuses are given to outstanding
support function. employees in the support function.
Selain itu, Bank memberikan komponen benefit berupa In addition, the Bank provides a benefit component in
subsidi iuran Badan Penyelenggaraan Jaminan Sosial (BPJS) the form of subsidized contributions to the Health Social
Kesehatan, BPJS Ketenagakerjaan, dan fasilitas asuransi Security (BPJS Kesehatan), Employment Social Security (BPJS
kesehatan sesuai dengan jenjang dan kapasitas karyawan. Ketenagakerjaan), and health insurance facilities in accordance
Kebijakan remunerasi tersebut dievaluasi secara berkala oleh with the level and capacity of employees. The remuneration
Bank dengan tujuan memastikan prinsip fairness diterapkan policy is evaluated periodically by the Bank with the aim of
dengan objektif, serta untuk membedakan apresiasi kepada ensuring the principle of fairness is applied objectively, as well
karyawan berdasarkan jenjang jabatan dan kontribusi yang as to differentiate appreciation to employees based on the level
diberikan (performance based). of position and contribution (performance based).
Hubungan Industrial Industrial Relations
Kebijakan hubungan industrial adalah sesuatu yang The Bank requires an industrial relations policy to maintain
diperlukan oleh Bank dalam rangka menjamin kelangsungan business continuity, develop a positive work environment, foster
usaha, menciptakan iklim kerja yang kondusif, menimbulkan employee pride, and offer a favorable standing with outside
kebanggaan bagi pekerja, dan menghadirkan reputasi positif parties.
dari pihak eksternal.
Terciptanya hubungan industrial yang harmonis jelas merupakan It is known that improving industrial relations can lead to better
sarana dalam memastikan peningkatan kondisi kerja, working conditions, productivity, competitiveness, and quality of
produktivitas, daya saing, dan kualitas kerja. Disamping itu, work. Furthermore, The state of labor relations also reflects how
kondisi hubungan industrial juga menjadi indikator penerapan well the Bank is implementing Good Corporate Governance.
Good Corporate Governance bagi Bank.
Dalam mengembangkan hubungan industrial, Bank In developing industrial relations, the Bank refers to Law
mengacu pada Undang-undang No.13 tahun 2003 tentang No. 13 of 2003 concerning Manpower, Law No. 2 of 2022
Ketenagakerjaan, Undang - Undang No. 2 tahun 2022 tentang concerning Job Creation and Government Regulation No. 35
Cipta Kerja dan Peraturan Pemerintah No. 35 tahun 2021 of 2021 concerning Fixed Time Work Agreements, Outsourcing,
tentang Perjanjian Kerja Waktu Tertentu, Alih Daya, Waktu Kerja Working Time and Rest Time and Termination of Employment,
dan Waktu Istirahat dan Pemutusan Hubungan Kerja, karena itu therefore the Bank provides freedom to all employees to obtain
Bank memberikan kebebasan kepada seluruh karyawan untuk their rights by joining the Labor Union.
mendapatkan haknya dengan bergabung dalam Serikat Pekerja.
Di lingkungan Bank Artha Graha Internasional terdapat Within Bank Artha Graha Internasional, there is a trade union
organisasi serikat pekerja, yaitu IKAJIH Unit. Kepengurusan organization, namely IKAJIH Unit. The management of the
serikat pekerja tersebut telah disusun oleh Bank dan disahkan labor union has been prepared by the Bank and ratified by all
oleh seluruh anggotanya. Kepengurusan tersebut menghasilkan its members. The management produces rules/regulations that
peraturan/ketentuan yang telah disepakati bersama antara have been mutually agreed between employers and employees
pengusaha dan Karyawan dalam bentuk Perjanjian Kerja in the form of a Collective Labor Agreement (CLA), which
Bersama (PKB), yang berisikan hak dan kewajiban baik oleh contains the rights and obligations of both employees to the
Karyawan kepada Bank maupun bank kepada Karyawan. Bank and the bank to employees.
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Corporate Social Safety Responsibility
Pengelola Human Capital Human Capital Management
Pengelolaan Human Capital di Bank Artha Graha Internasional Human Capital Management at Bank Artha Graha Internasional
berada di bawah Deputy Director Human Capital yang dibantu is under the Deputy Director of Human Capital who is assisted
oleh 5 (lima) Executive Officer yang bertanggung jawab by 5 (five) Executive Officers responsible for Human Capital
terhadap pengelolaan Human Capital terdiri dari Executive management consisting of Executive Officer Payroll, Executive
Officer Payroll, Executive Officer Human Record Data, Executive Officer Human Record Data, Executive Officer Learning &
Officer Learning & Development, Executive Officer Recruitment, Development, Executive Officer Recruitment, and Executive
dan Executive Officer Industrial Relations. Officer Industrial Relations.
President Director
Andy Kasih
Vice President Director
Christina Harapan
Head of Bureau
Emelia Susanto
Vice Head of Bureau
Vivi Henny
Human Capital
Marlene Gunawan
Learning
Industrial
Payroll Human Record Data & Development Recruitment
Relation
Program
Meskipun memiliki tugas dan tanggung jawab yang berbeda, Although they have different duties and responsibilities, the five
namun kelima Executive Officer tersebut merupakan satu Executive Officers are an inseparable unit that covers the entire
kesatuan yang tidak dapat dipisahkan karena mencakup seluruh Human Capital management process in the Bank.
proses pengelolaan Human Capital di Bank.
Bank Artha Graha Internasional berkomitmen untuk melakukan Bank Artha Graha Internasional is committed to comprehensive
pengelolaan Human Capital secara komprehensif, mulai dari Human Capital management, from the hiring process through
proses rekrutmen hingga karyawan memasuki masa pensiun. employee retirement. Every step of the procedure is completed
Keseluruhan proses dijalankan sesuai ketentuan perundang- in compliance with the relevant laws and rules. In addition,
undangan yang berlaku. Selain itu, Bank Artha Graha Bank Artha Graha Internasional also has internal policies that
Internasional juga memiliki kebijakan internal yang mengatur regulate the technical implementation of each Human Capital
teknis pelaksanaan dalam setiap proses pengelolaan Human management process.
Capital tersebut.
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Beberapa kebijakan internal Bank yang terkait dengan Some of the Bank’s internal policies related to Human Capital
pengelolaan Human Capital antara lain: management include:
1. Ketentuan Penilaian Karyawan dalam SE HC 024.03.0; 1. Employee Appraisal Provisions in SE HC 024.03.0;
2. Ketentuan Pemilihan dan Penilaian Kader/Kaderisasi dalam 2. Provisions on Cadre Selection and Assessment/Cadre
SE HC 057.02.0; Develpoment in SE HC 057.02.0;
3. Ketentuan Skema Pemberian Reward Karyawan dalam 3. Provisions on Employee Reward Scheme in SE HC 060.01.0;
SE HC 060.01.0;
4. Ketentuan Kepala Kantor Layanan Development Program 4. Provisions of Head of Service Office Development Program
dalam SE HC 050.02.0; dan in SE HC 050.02.0; and
5. Ketentuan Rekrutmen, Seleksi, dan Penerimaan Karyawan 5. Provisions on Employee Recruitment, Selection, and
dalam SE HC 006.02.0. Acceptance in SE HC 006.02.0.
Bank secara berkala melakukan peninjauan terhadap kebijakan- The Bank periodically reviews these policies to ensure
kebijakan tersebut untuk memastikan kesesuaiannya dengan compliance with the prevailing laws and regulations.
peraturan perundang-undangan yang berlaku.
Rencana Pengembangan Human Capital Tahun Human Capital Development Plan for 2025
2025
Bank Artha Graha Internasional menetapkan 4 (empat) sasaran Bank Artha Graha Internasional sets 4 (four) strategic goals for
strategis untuk tahun 2025, yaitu: 2025:
1. Re-arrange Organization. 1. Re-arrange Organization;
2. Shaping the New Future; 2. Shaping the New Future;
Strategi dan action plan yang disiapkan untuk mencapai sasaran The following are the plans of action and tactics developed to
diatas sebagai berikut: accomplish the aforementioned goals:
1. Re-arrange Organization 1. Re-arrange Organization
a. Melakukan penempatan dan perputaran karyawan a. Assigning and rotating employees based on their
sesuai dengan potensi dan kompetensi untuk potential and competencies to broaden their knowledge
meningkatkan wawasan dan skill karyawan. and skills.
b. Mengimplementasikan HCIS sehingga proses kerja b. Implementing HCIS (Human Capital Information System)
Human Capital menjadi lebih efektif. to make Human Capital processes more effective.
2. Shaping the New Future 2. Shaping the New Future
a. Penguatan kaderisasi jangka Panjang dengan a. Strengthening long-term regeneration by providing
memberikan program pelatihan yang tepat sasaran targeted training programs.
b. Penyusunan career programme kader terbaik b. Developing career programs for the best and selected
dan terpilih yang berfokus pada kemampuan dan talents, focusing on skills and competencies to face
kompetensi untuk menghadapi tantangan dan peluang current challenges and opportunities.
yang ada.
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TEKNOLOGI INFORMASI DAN PERBANKAN INFORMATION TECHNOLOGY AND DIGITAL
DIGITAL BANKING
Transaksi berbasis teknologi informasi - transaksi digital - kini Information technology-based digital transactions have now
telah merambah ke berbagai aspek kehidupan masyarakat permeated various aspects of public life, including banking
luas, baik untuk memenuhi kebutuhan perbankan, transaksi needs, commercial transactions, public services, and healthcare
komersial, transaksi layanan publik hingga transaksi layanan services. Data from Bank Indonesia indicates that the frequency
kesehatan. Data BI menunjukkan frekuensi transaksi digital of digital banking transactions in 2024 reached 43.5 billion,
banking di tahun 2024 mencapai 43,5 miliar kali, tumbuh growing by 36.1% year-on-year (YoY), with a transaction value
36,1% secara tahunan (year on year/yoy) dengan nilai mencapai reaching IDR87 quadrillion, an increase of 50.6%. For 2025,
Rp87 kuadriliun, meningkat 50,6%. Untuk tahun 2025, Bank Bank Indonesia projects that the volume of digital banking
Indonesia memprakirakan volume transaksi digital banking ini transactions will increase again by up to 52.3%.
akan kembali meningkat hingga 52,3%.
Mempertimbangkan besarnya potensi bisnis yang dapat Considering the significant business potential that can be
diraih dari perkembangan transaksi digital, yakni transaksi leveraged from the growth of digital transactions, transactions
melalui aplikasi mobile dan internet tersebut, Bank Artha conducted via mobile and internet applications, Bank Artha
Graha Internasional mengembangkan layanan transaksi Graha Internasional is developing digital transaction services
digital berbasis teknologi informasi terkini untuk memenuhi based on the latest information technology to meet the
kebutuhan para nasabahnya. Untuk itu, Bank sejak beberapa needs of its customers. In recent years, the Bank has been
tahun terakhir mengembangkan kompetensi penyelenggaraan developing competencies in operating digital activities based
kegiatan operasional digital berbasis teknologi informasi, baik on information technology, both in terms of human resources
dari sisi kompetensi SDM maupun infrastruktur TI, baik hardware and IT infrastructure, including hardware and software.
maupun software.
Teknologi Informasi (TI) berperan penting dalam mendukung Information Technology (IT) plays a crucial role in supporting
aktivitas operasional Bank, termasuk dalam memenuhi the Bank’s operational activities, including meeting customer
kebutuhan nasabah agar lebih efektif dan efisien. Pemanfaatan needs more effectively and efficiently. At Bank Artha Graha
TI di Bank Artha Graha Internasional dilakukan dengan Internasional, IT utilization is carried out by developing digital
mengembangkan layanan digital, yakni mengintegrasikan services: integrating mobile banking services to enable
layanan mobile banking sehingga memudahkan nasabah dalam customers to access banking services anytime and anywhere.
mengakses layanan perbankan kapan pun dan dimana pun.
STRATEGI TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY STRATEGY
Bank meyakini pentingnya penerapan kegiatan operasional The Bank believes in the importance of implementing digital
digital berbasis Teknologi Informasi (TI) terkini dalam operations based on the latest Information Technology (IT)
mendukung bisnis Bank. Untuk meraih peluang terbaik dari to support its business. To seize the best opportunities from
perkembangan transaksi digital dan meningkatkan efisiensi the development of digital transactions and to enhance
kegiatan operasional perbankan dari sistim konvensional ke the efficiency of banking operations by transitioning from
perbankan digital, Bank telah menyusun dan menerapkan conventional to digital banking, the Bank has developed and
Rencana Strategis Teknologi Informasi yang dijadikan acuan implemented an Information Technology Strategic Plan. This
dalam pengembangan inisiatif TI maupun pemenuhan plan serves as a reference for the development of IT initiatives as
infrastruktur dan keamanan TI. well as for fulfilling IT infrastructure and security requirements.
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Beberapa langkah strategis yang telah ditetapkan sesuai arah Several strategic steps have been established in line with the
kebijakan bank guna mendukung berbagai rencana produk Bank’s policy direction to support various new digital-based
dan aktivitas baru berbasis digital, mencakup: product and activity plans, including:
1. Melakukan evaluasi dan mengintegrasikan proses bisnis 1. Conducting evaluations and integrating business processes
melalui implementasi teknologi dan sistem integrasi, agar through the implementation of technology and system
pelaksanaan eksekusi di lapangan dapat berjalan sesuai integration, ensuring field execution is aligned with
dengan regulasi dan kepatuhan. regulations and compliance requirements.
2. Akselerasi kapabilitas IT dalam mendukung optimalisasi 2. Accelerating IT capabilities to optimize business processes
proses bisnis untuk mendukung kehandalan produk dan in order to strengthen the reliability of digital products
layanan digital untuk meningkatkan akuisisi, transaksi dan and services to enhance customer acquisition, transaction
penyaluran kredit. volume, and loan distribution.
3. Penguatan pengukuran dan pengawasan proses 3. Strengthening measurement and monitoring of the
digitalisasi dan cyber security dari aspek risiko dan kredit. digitalization process and cyber security from both risk
and credit perspectives.
4. Memperkuat pemasaran platform berbasis digital banking 4. Strengthening the marketing of digital banking platforms
dengan inisiatif digital marketing dan kolaborasi digital through digital marketing initiatives and digital collaboration
untuk meningkatkan akuisisi dan transaksi nasabah to enhance customer acquisition and data-driven
berbasis data. transactions.
Target jangka pendek yang ingin dicapai dalam satu tahun ke The short-term target to be achieved within the next year for
depan untuk menerapkan langkah strategis tersebut di atas yaitu implementing these strategic steps is to enhance IT capabilities,
dengan cara meningkatkan kapabilitas TI termasuk penguatan including strengthening cyber security, to enable collaboration
cyber security sehingga dapat mengakomodir kolaborasi bank between the Bank and strategic partners such as fintech
dengan mitra strategis seperti fintech, e-Commerce, Merchant companies, e-commerce platforms, online merchants, and
Online dan Mitra Offline dengan tetap memperhatikan aspek offline partners, while maintaining the security of both the Bank
keamanan bank dan nasabah. and its customers.
Target jangka menengah yang ingin dicapai yaitu dengan The medium-term target is to strengthen Human Capital
memperkuat Human Capital yang dapat mewujudkan arahan that can realize the Bank’s strategic direction through the
strategis bank melalui pengembangan kompetensi teknis, soft development of technical competencies, soft skills, leadership,
skills dan leadership serta penguasaan bisnis digital banking. and mastery of digital banking business. In addition, aligning
Selain itu melakukan penyelarasan roadmap teknologi informasi the IT roadmap with the latest technology to support the Bank’s
dengan teknologi terkini untuk mendukung bisnis bank secara business sustainably, as well as reinforcing cybersecurity and
berkelanjutan serta penguatan cyber security dan digital digital maturity.
maturity.
P R O G R A M S T R AT EG I S T E K N O LO G I INFORMATION TECHNOLOGY AND DIGITAL
INFORMASI DAN PERBANKAN DIGITAL BANKING STRATEGIC PROGRAM IN 2024
TAHUN 2024
1. Pengembangan Fitur API Management, Mobile Apps dan 1. Development of API Management Features, Mobile Apps,
Internet Banking and Internet Banking
a. Pengembangan API Standard dan Catalog pada a. Development of Standard APIs and Catalogs for
“Dukcapil untuk e-K YC, BI-FAST, Pencairan, integration with: Dukcapil for e-KYC, BI-FAST,
Pembayaran dan Pelunasan P2P Lending Mitra”. Disbursement, Payment, and Repayment for Partner
P2P Lending.
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b. Pengembangan Fase 1 Tahap 2 BI-FAST. b. Development of Phase 1, Stage 2 of BI-FAST.
c. Upgrade Core Banking System, perubahan ATM c. Core Banking System upgrade, ATM Switching
Switching dan perubahan Middleware. replacement, and Middleware changes.
d. Enhancement fitur Core Banking sesuai dengan d. Enhancements to Core Banking features in line with
kebutuhan bisnis seperti Anjak Piutang, Enhancement business needs, such as Factoring, PRK Enhancement,
PRK, Limit Teller, Enhancement Payroll, AutoDebet, Teller Limits, Payroll Enhancement, Auto-Debit, Safe
Transaksi SDB, dan lain-lain. Deposit Box (SDB) Transactions, and others.
e. Pengembangan digital apps AGI sebagai solusi e. Development of the AGI digital app as a mobile
transaksi perbankan melalui perangkat mobile berupa banking solution, featuring digital gold savings, biller
fitur tabungan emas, biller, loyalty point, e-KYC dan integration, loyalty points, e-KYC, and account opening.
opening account.
f. Pengembangan aplikasi Digital Lending sebagai produk f. Development of a Digital Lending application
pinjaman untuk kepentingan konsumtif maupun modal to offer consumer and working capital loans for
kerja kepada pelaku UMKM melalui aplikasi mobile MSMEs via mobile apps and online platforms,
maupun platform online dengan memanfaatkan solusi supported by integrated risk management solutions.
manajemen resiko yang terintegrasi.
g. Pengembangan solusi transaksi keuangan berbasis g. Development of a web-based financial transaction
web untuk nasabah korporasi. solution for corporate customers.
2. Pengembangan fitur guna mendukung operasional dan 2. Feature Development to Support Bank Operations and
pelaporan Bank Reporting
a. Pengembangan aplikasi Credit Risk Rating guna a. Development of a Credit Risk Rating application to
mengukur credit scoring dari calon debitur. assess credit scoring of prospective debtors.
b. Enhancement dashboard & report MIS sesuai kebutuhan b. Enhancement of MIS dashboards and reports to meet
informasi bisnis. business information needs.
c. Enterprise data service - Enrichment data dari MB, IBB, c. Enterprise Data Service - Data enrichment from Mobile
ATM, T24 dan channel lainnya. Banking, Internet Banking, ATM, T24, and other
channels.
d. Pengembangan aplikasi Library IT untuk memudahkan d. Development of an IT Library application to facilitate
dalam melakukan inventarisasi penyimpanan media inventory and storage of data backup media, application
backup data, software aplikasi dan lainnya di Library. software, and others.
e. Pengembangan aplikasi iReporting untuk sentralisasi e. Development of the iReporting application to centralize
aplikasi laporan regulator. regulatory reporting systems.
3. Penguatan infrastruktur dan peningkatan sistem keamanan 3. Infrastructure Strengthening and Internal Security System
di internal Enhancement
a. Active Directory - Pengelolaan Policy EUC yang a. Active Directory - Management of EUC Policies used by
digunakan karyawan. employees.
b. Keamanan data & network menggunakan Trendmicro b. Data and network security using Trendmicro VisionOne
VisionOne XDR. XDR.
c. Pengembangan aplikasi administrasi permintaan c. Development of an administrative application for
pemeliharan dan perubahan kewenangan akses User managing maintenance requests and access authority
ID aplikasi. changes for application User IDs.
d. Penyediaan aplikasi monitoring untuk memantau d. Provision of monitoring applications to track server
performance dan response time server. performance and response times.
e. Pemindahan pusat data (Data Center). e. Relocation of the Data Center.
f. SOC dan SIEM untuk monitoring traffic dan security. f. Implementation of SOC and SIEM for traffic and security
monitoring.
g. Upgrade operation system di end user workstation g. Upgrade of end-user workstation operating systems to
menjadi Windows 10/11. Windows 10/11.
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KEAMANAN SIBER CYBER SECURITY
Seiring dengan perkembangan teknologi informasi dan In line with advancements in information technology and the
kebutuhan akan digitalisasi untuk memudahkan nasabah dalam growing need for digitalization to facilitate banking transactions
melakukan transaksi perbankan, Bank memiliki inisiatif untuk for customers, the Bank has taken initiatives to enhance its
meningkatkan keamanan siber (cyber security). Hal ini tidak cyber security. This is closely tied to the need to mitigate cyber
terlepas dari mitigasi terhadap serangan siber yang muncul attacks that have emerged as customer preferences shift from
seiring dengan berpindahnya preferensi layanan nasabah dari conventional service channels (branches/onsite) to digital
channel konvensional (cabang/onsite) menjadi channel digital. channels.
Sebagai upaya memperkuat keamanan siber secara terus As part of its continuous efforts to strengthen cyber security,
menerus, Bank Arha Graha Internasional berkomitmen Bank Artha Graha Internasional is committed to enhancing
meningkatkan perlindungan infrastruktur, jaringan, aplikasi, the protection of its infrastructure, networks, applications, and
dan data. Penguatan Security Operation Center (Monitoring data. This includes the reinforcement of the Security Operation
24x7) dan manajemen risiko keamanan siber untuk transaksi Center (24x7 monitoring) and cyber security risk management
digital merupakan bagian dari peningkatan kewaspadaan for digital transactions, which are key components of the Bank’s
keamanan siber. heightened vigilance toward cyber threats.
Untuk meningkatkan keamanan transaksi dalam rangka To ensure secure transactions and protect customers from
memastikan nasabah terlindungi dari kejahatan (fraud) online and internet-based fraud, the Bank also implements
online dan internet, Bank juga menerapkan sistem-sistem internationally recognized security systems designed to prevent
keamanan yang bertaraf internasional guna mencegah maupun and detect suspicious activities.
mendeteksi adanya transaksi mencurigakan.
Berdasarkan aturan Otoritas Jasa Keuangan terkait ketahanan Following regulations from the Financial Services Authority
dan keamanan siber perbankan, bank harus sudah memastikan (OJK) regarding banking cyber resilience and security, banks
bahwa layanannya sudah memenuhi standar keamanan yang are required to ensure that their services meet minimum security
minimal. Namun begitu perlu juga kiranya menerapkan strategi standards. However, it is also essential to adopt additional
tambahan agar sistem keamanan mereka bisa lebih optimal. strategies to further optimize the security systems. The following
Berikut merupakan beberapa strategi yang dapat diterapkan are some strategies that can be implemented in the banking
dalam dunia perbankan untuk menjaga keamanan siber, sector to maintain cyber security, based on global experience
berdasarkan pengalaman dan best practices di dunia. and best practices.
1. Menyediakan kebijakan dan prosedur terkait pengamanan 1. Establishing cyber security policies and procedures, which
siber yang mengatur antara lain kebijakan penggunaan include regulations on the use of strong passwords, limited
kata sandi yang kuat, kebijakan akses terbatas serta access policies, and arrangements to protect and secure
pengaturan untuk melindungi dan mengamankan data customer data.
nasabah.
2. Menerapkan kebijakan akses ke sistem dengan 2. Implementing system access policies that require the use
penggunaan sandi yang kompleks, serta melakukan of complex passwords, and conducting regular reviews of
peninjauan secara teratur karyawan yang memerlukan employees who are granted special access permissions.
akses yang diberikan izin khusus.
3. Menerapkan sistem pemantauan dan pengawasan yang 3. Enforcing robust monitoring and supervision systems
kuat untuk mendeteksi aktivitas mencurigakan, untuk to detect suspicious activities, including unauthorized
mengidentifikasi upaya masuk yang tidak sah, kegiatan access attempts and unusual behavior within the network,
mencurigakan di dalam jaringan dengan menggunakan through the use of SIEM (Security Information and Event
aplikasi SIEM/SOC. Management) and SOC (Security Operations Center)
applications.
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4. Melindungi jaringan data dengan penggunaan firewall, 4. Securing data networks through the use of firewalls and
enkripsi data. Serta memperbaharui jaringan dan data encryption, as well as regularly updating the network
infrastruktur secara teratur untuk mengatasi celah and infrastructure to address vulnerabilities.
kerentanan.
5. Mengidentifikasi dan memperbaiki kerentanan dalam kode 5. Identifying and remedying vulnerabilities in application
aplikasi, jaringan dan sistem secara keseluruhan melalui code, networks, and systems as a whole by conducting
pelaksanaan uji penetrasi testing dan audit keamanan regular penetration testing and independent security audits.
oleh pihak independen secara berkala.
6. Pelatihan keamanan siber untuk semua karyawan untuk 6. Conducting cybersecurity training for all employees to raise
meningkatkan kesadaran terhadap serangan phishing, awareness of phishing attacks, highlight the importance
serta pentingnya menjaga kerahasiaan data dan of data confidentiality, and encourage the reporting of
melaporkan aktivitas mencurigakan. suspicious activities.
7. Melakukan review dan simulasi secara berkala rencana 7. Regularly reviewing and simulating disaster recovery and
pemulihan bencana dan rencana darurat mencakup emergency response plans, which include steps for disaster
langkah-langkah pemulihan bencana, pemulihan data recovery, data restoration, and operational continuity to
dan pemulihan operasional untuk mengurangi dampak minimize the impact of cyberattacks.
serangan.
DISASTER RECOVERY DISASTER RECOVERY
Data Center merupakan pusat pengendali IT dan pengolahan The Data Center serves as the central hub for IT control and
data yang berfungsi sebagai sarana pendukung utama data processing, functioning as a key support facility for the
operasional bank dalam bidang TI. Saat ini bank menggunakan Bank’s IT operations. Currently, the Bank operates 2 (two) Data
2 (dua) lokasi Data Center dimana dimaksudkan untuk menjaga Center locations to ensure that IT services remain available in
agar layanan TI tetap tersedia apabila terjadi bencana pada the event of a disaster affecting the Data Center, whether in
Data Center, baik secara keseluruhan ataupun sebagian dari whole or in part.
peralatan yang ada.
Disaster Recovery diberlakukan saat infrastruktur teknologi Disaster Recovery is activated when the information technology
informasi pada Data Center tidak dapat diperbaiki sesuai infrastructure at the Data Center cannot be restored in
ketentuan Bussiness Impact Analysis (BIA). accordance with the provisions of the Business Impact Analysis
(BIA).
Bank memastikan langkah pemulihan bencana, pemulihan The Bank ensures that disaster recovery procedures, data
data dan pemulihan operasional telah dirinci sesuai fungsi recovery, and operational recovery are detailed in alignment
bisnis yang kritikal berdasarkan hasil BIA, dengan melakukan with critical business functions, as identified through the BIA, by
pengujian Disaster Recovery terhadap aplikasi secara berkala. conducting regular Disaster Recovery testing on its applications.
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PENGELOLA TI DAN DIGITAL BANKING IT AND DIGITAL BANKING MANAGEMENT
Penanggung jawab pengelolaan dan pengembangan TI di Bank Responsibility for the management and development of IT at
Artha Graha Internasional berada di bawah Deputy Director Bank Artha Graha Internasional falls under the Deputy Director
IT Service Delivery & Cyber Security, Deputy Director IT Digital of IT Service Delivery & Cyber Security, the Deputy Director of IT
Services & Office Automation, dan Deputy Director IT Product Digital Services & Office Automation, and the Deputy Director
Development & Data yang berada di bawah supervisi Chief of IT Product Development & Data, all of whom operate under
Operating Officer. the supervision of the Chief Operating Officer.
Chief Operating Officer
Deputy Director IT Service Deputy Director IT Digital Deputy Director IT Product
Delivery & Cyber Security Services & Office Automation Development & Data
Executive Officer Executive Officer Executive Officer Executive Officer Executive Officer Executive Officer Executive Officer
Asset Management IT Governance & Cyber Core Banking & Ops Digital App & Surrounding IT Assistance IT Development IT Data Management
Security
Adapun tugas dari masing-masing adalah sebagai berikut: Responsibilities of Each Role are as Follows:
1. Deputy Director IT Service Delivery & Cyber Security 1. Deputy Director IT Service Delivery & Cyber Security
Memastikan perencanaan strategis dan kebijakan Ensures the strategic planning and information technology
teknologi informasi yang dapat memenuhi kebutuhan policies align with business needs and support the
dan menunjang kepentingan bisnis perusahaan dan company’s interests and are properly implemented. Ensures
diimplementasikan. Memastikan tersedianya pelayanan the availability of IT services for all work units, that IT
teknologi informasi bagi semua unit kerja, pengembangan development is conducted effectively and efficiently, and
IT dijalankan secara efektif dan efisien serta system IT yang that IT systems in each work unit operate with appropriate
berfungsi di setiap unit kerja telah mempertimbangkan consideration for security factors.
faktor keamanan.
2. Deputy Director IT Digital Service & Office Automation 2. Deputy Director IT Digital Service & Office Automation
Memastikan project integrasi dengan Partner/Merchant Ensures that integration projects with partners/merchants
dapat terealisasikan dan terlaksana dengan baik, are properly executed, and that user requests (from Bank
permintaan user (unit kerja Bank/Partner bisnis) baik work units or business partners), whether for application
pengembangan/perubahan aplikasi telah ditindklanjuti development or modification, are appropriately addressed
sebagai dukungan terhadap kelancaran kerja user. to support user productivity. Oversees the development,
Mengawasi pengembangan, implementasi, dan implementation, and maintenance of digital e-Channel
pemeliharaan e-Channel aplikasi digital, aplikasi applications, surrounding applications, and supporting
surrounding serta sistem pendukungnya sebagai systems to ensure they function effectively in accordance
dukungan terhadap kelancaran kerja user dilaksanakan with SLA standards.
sesuai SLA.
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3. Deputy Director IT Product Development & Data 3. Deputy Director IT Product Development & Data
Memastikan peran tim data dalam pemenuhan KPI Ensures the data team contributes to meeting the KPIs
bisnis Digital & Network, sebagai penentu strategi dalam of Digital & Network business, acts as a strategic driver
rangka meningkatkan level kematangan data di organisasi, for improving the organization’s data maturity level, and
melakukan assessment secara rutin mengenai level conducts regular assessments of data infrastructure
kematangan infrastruktur data. Memastikan ketersediaan maturity. Ensures the availability of data provisioning
sistem penyediaan data dan operasi tim data serta systems and smooth operation of the data team, and
memastikan pengembangan kemampuan bawahan agar fosters subordinates’ skill development to meet performance
tercapai target kinerja yang ditetapkan. targets.
4. Executive Officer Asset Management 4. Executive Officer Asset Management
Memastikan perangkat keras seperti mesin ATM, CPU, Ensures optimal functioning of hardware such as ATMs,
printer, mesin EDC, UPS, scanner, dan perangkat IT lainnya CPUs, printers, EDC machines, UPS, scanners, and other
berfungsi optimal, kemudian memastikan pengelolaan IT equipment. Ensures proper vendor management,
vendor (Vendor Management) dilaksanakan dengan the availability of planning, strategy, and execution of
benar, memastikan tersedianya perencanaan, strategi DRP (Disaster Recovery Planning) simulations. Ensures
dan pelaksanaan simulasi DRP (Disaster Recovery maintenance of user IDs, application tables and
Planning). Memastikan pemeliharaan user ID, table dan parameters, and the use of High-Level Users in accordance
parameter aplikasi serta penggunaan High Level User with applicable rules and procedures. Oversees the
dijalankan sesuai dengan ketentuan dan prosedur yang implementation of library policies and procedures and
berlaku. Memastikan kebijakan dan prosedur Library collaborates with the Deputy Director IT and other Executive
berjalan dengan baik serta bersama Deputy Director IT Officers to prepare the annual IT work plan and budget and
dan Executive Officer lainnya menyiapkan rencana kerja monitors its implementation.
dan anggaran biaya (budget) tahunan IT dan memantau
implementasinya.
5. Executive Officer IT Governance & Cyber Security 5. Executive Officer IT Governance & Cyber Security
Membuat perencanaan untuk strategi pengamanan Plans the Bank’s information security strategy, ensures that
informasi di lingkungan Bank, memastikan pelaksanaan procurement, operation, and maintenance of IT security
pengadaan, operasional dan pemeliharaan perangkat/ systems are in compliance with applicable regulations.
sistem pengamanan teknologi informasi dilakukan sesuai Coordinates adequate IT security efforts internally and
ketentuan. Melakukan koordinasi pengamanan teknologi externally, supervises and coordinates socialization or
informasi yang memadai dengan pihak internal dan education regarding IT security, identifies risks and solutions
eksternal, melakukan koordinasi dan supervisi pelaksanaan in IT security programs, and supervises the development
sosialisasi atau edukasi terkait pengamanan teknologi and implementation of policies, standards, guidelines, and
informasi, mengidentifikasi resiko-resiko dan solusinya IT security procedures in accordance with Bank Indonesia
dalam program pengamanan teknologi informasi serta and OJK regulations.
supervisi pengembangan dan penerapan kebijakan,
standarisasi, petunjuk dan prosedur keamanan teknologi
informasi sesuai ketentuan PBI dan POJK.
6. Executive Officer Core Banking & Ops 6. Executive Officer Core Banking & Operations
Mengawasi dan memastikan operasional harian aplikasi Supervises and ensures uninterrupted daily operation of the
T24 berjalan tanpa gangguan, berkoordinasi dengan T24 application, coordinates with vendors or third parties
vendor atau pihak ketiga jika ada masalah atau kebutuhan regarding issues or requirements related to T24, and
terkait aplikasi T24 dan menangani masalah teknis yang handles technical issues, system errors, and performance
muncul dalam aplikasi, kesalahan sistem, dan masalah problems within the application.
kinerja.
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7. Executive Officer IT Digital Apps & Surrounding 7. Executive Officer IT Digital Apps & Surrounding
Mengawasi pengembangan, implementasi, dan Oversees the development, implementation, and
pemeliharaan aplikasi digital serta sistem pendukungnya maintenance of digital applications and supporting
sebagai dukungan terhadap kelancaran kerja user dan systems to ensure smooth user operations, in line with
dilaksanakan sesuai SLA. Mengelola integrasi antara SLA standards. Manages integration between application
sistem aplikasi dengan platform lain yang digunakan dalam systems and other platforms used by the company. Ensures
perusahaan, kemudian memastikan ketersediaan sistem the availability of systems and procedures aligned with
dan prosedur yang selaras dengan perkembangan bisnis business developments and regulations through the
dan regulasi, melalui penyempurnaan prosedur yang refinement of existing procedures. Works together with
sudah ada. Bersama Deputy Director IT, serta Executive the Deputy Director IT and other Executive Officers to
Officer lainnya menyiapkan rencana kerja dan anggaran prepare the annual IT work plan and budget, and monitors
biaya (budget) tahunan IT dan memantau implementasinya. its implementation.
8. Executive Officer IT Assistance 8. Executive Officer IT Assistance
Memastikan project integrasi dengan Partner/Merchant Ensures integration projects with partners/merchants are
dapat terealisasikan dan terlaksana dengan baik, properly executed and ensures that user requests (from Bank
memastikan user (unit bisnis Bank, Partner) terkait business units or partners) regarding service development
permintaan integrasi baik pengembangan/perubahan or changes are addressed as support for user productivity.
service layanan telah ditindaklanjuti sebagai dukungan Ensures the availability of systems and procedures aligned
terhadap kelancaran kerja user. Memastikan ketersediaan with business developments and regulations through
sistem dan prosedur yang selaras dengan perkembangan continuous improvement of existing procedures.
bisnis dan regulasi, melalui penyempurnaan prosedur
yang sudah ada.
9. Executive Officer IT Development 9. Executive Officer IT Development
Berperan dalam mengembangkan dan menerapkan Plays a role in developing and implementing IT strategies
strategi IT yang sejalan dengan tujuan bisnis, memastikan aligned with business goals, ensures IT strategies support
strategi IT mendukung tujuan keseluruhan organisasi, the organization’s overall objectives, and oversees planning,
mengawasi perencanaan, pelaksanaan dan penyampaian execution, and delivery of IT projects. Ensures that projects
proyek IT. Memastikan proyek selesai tepat waktu are completed on time, within budget, and meet quality
dalam anggaran dan memenuhi standar kualitas, standards. Provides guidance and support to team members
memberikan panduan dan dukungan kepada anggota to achieve departmental goals and ensures software
tim untuk mencapai tujuan departemen serta memastikan development follows best practices and industry standards.
pengembangan perangkat lunak mengikuti praktik terbaik
dan standar industri.
10. Executive Officer IT Data Management 10. Executive Officer IT Data Management
Mengembangkan dan menerapkan kebijakan serta Develops and implements data governance policies and
prosedur tata kelola data, memastikan kepatuhan terhadap procedures, ensures compliance with data governance
standard dan regulasi tata kelola data, menetapkan standar standards and regulations, establishes data quality
kualitas data dan memantau kualitas data diseluruh standards and monitors data quality across the organization.
organisasi, menerapkan proses pembersihan, validasi dan Implements processes for data cleansing, validation, and
pengayaan data. Merancang dan memelihara arsitektur enrichment. Designs and maintains data architecture to
data untuk mendukung kebutuhan bisnis, memastikan support business needs, ensures data integration and
integrasi data dan interoperabilitas antar sistem dan interoperability across different systems and platforms,
platform yang berbeda serta mengawasi pengembangan and oversees the development and delivery of MIS reports
dan penyampaian laporan serta analisis MIS. and analytics.
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TATA KELOLA TI IT GOVERNANCE
Keberadaan arsitektur TI di lingkup Bank tak lepas dari The presence of IT architecture within the Bank is inseparable
terlaksananya penerapan tata kelola perusahaan yang baik from the effective and efficient implementation of good
secara efektif dan efisien di setiap aspek bisnis Bank. Pada corporate governance across all aspects of the Bank’s business.
prinsipnya, penerapan sistem TI berfokus untuk meningkatkan Fundamentally, the implementation of IT systems is focused
efektivitas dan efisiensi, menjaga kerahasiaan, mempertahankan on enhancing effectiveness and efficiency, maintaining
integritas, meningkatkan ketersediaan, kepatuhan, dan confidentiality, preserving integrity, improving availability, ensuring
keandalan dalam hal operasional teknologi informasi. compliance, and reinforcing the reliability of IT operations.
Untuk menunjang tata kelola TI, manajemen melakukan To support IT governance, management identifies various
identifikasi terhadap berbagai faktor, baik internal maupun internal and external factors. The Bank continuously refines
eksternal. Bank juga senantiasa melakukan penyempurnaan and develops both software and hardware in IT management
dan pengembangan perangkat lunak maupun perangkat keras to support the Bank’s business strategy, facilitate and simplify
dalam pengelolaan TI untuk mendukung strategi bisnis Bank transactions, and improve service quality.
dalam memberikan fasilitas dan kemudahan bertransaksi serta
meningkatkan kualitas pelayanan.
RENCANA PENGEMBANGAN TEKNOLOGI INFORMATION TECHNOLOGY AND DIGITAL
INFORMASI DAN PERBANKAN DIGITAL BANKING DEVELOPMENT PLAN FOR 2025
TAHUN 2025
Untuk mendukung pencapaian ekspansi bisnis tersebut diatas, To support the achievement of the aforementioned business
Bank juga akan melakukan inisiatif untuk peningkatan kapasitas expansion, the Bank will also initiate efforts to enhance
kapabilitas infrastruktur dan layanan serta efisiensi proses infrastructure and service capabilities as well as improve
operasional seperti: operational process efficiency through the following initiatives:
A. Penguatan Pondasi A. Foundation Strengthening
1. Upgrade Core Banking 1. Core Banking Upgrade
2. AGI Digital Apps (eKYC, OTP WA, QRIS CPM) 2. AGI Digital Apps (eKYC, WhatsApp OTP, QRIS CPM)
3. Implementasi HCIS 3. HCIS Implementation
4. Upgrade System Switching 4. Switching System Upgrade
5. Customer Journey & Campaign Distribution Tools 5. Customer Journey & Campaign Distribution Tools
B. Transformasi digital dengan memperkuat integrasi B. Digital Transformation Strengthening integration with
dengan mitra strategis, e-commerce, dan merchant untuk strategic partners, e-commerce platforms, and merchants
menciptakan ekosistem layanan yang luas dan terintegrasi to create a broad and integrated service ecosystem:
1. Digital Lending 1. Digital Lending
2. Lending Digital Core 2. Lending Digital Core
3. Implementasi eKYC (Online Onboarding) 3. eKYC Implementation (Online Onboarding)
4. Internet Banking Bisnis (Cross Currency, SWIFT) 4. Business Internet Banking (Cross Currency, SWIFT)
5. QRIS Merchant (Tarik, Transfer, Setor) 5. QRIS for Merchants (Withdrawal, Transfer, Deposit)
6. Direct Debit (Digital Apps, NFC, Virtual Core) 6. Direct Debit (Digital Apps, NFC, Virtual Core)
C. Penguatan sistem keamanan data melalui cyber security C. Enhancement of Data Security Systems Strengthening
untuk melindungi nasabah sejalan dengan regulasi yang cybersecurity to protect customers in line with applicable
berlaku. regulations:
1. PRIVASIMU (Implementasi UU PDP 2022) 1. PRIVASIMU (Implementation of the 2022 Personal Data
Protection Law)
2. Fraud Detection System 2. Fraud Detection System
3. Refreshment Firewall 3. Firewall Upgrade
4. Refreshment Web Application Firewall 4. Web Application Firewall Upgrade
5. Upgrade Windows 11 5. Windows 11 Upgrade
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05
Tata Kelola Perusahaan
Corporate Governance
Bank Artha Graha Internasional meyakini
penerapan praktik terbaik GCG
bukanlah semata memenuhi peraturan
yang berlaku, tapi merupakan bagian
yang sangat penting dalam rangka
mewujudkan pertumbuhan usaha yang
optimal, berkelanjutan dan berkualitas.
Penerapan praktik terbaik prinsip-prinsip
GCG merupakan landasan dan sarana
bagi pencapaian visi, misi dan tujuan
Perusahaan.
Bank Artha Graha Internasional believes that the
implementation of best practices in Good Corporate
Governance (GCG) is not merely a matter of regulatory
compliance, but an integral part of achieving optimal,
sustainable, and high-quality business growth. The
application of GCG principles serves as a foundation and
a means to realize the Company’s vision, mission, and
objectives.
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KOMITMEN, DASAR PENERAPAN, DAN PRINSIP
TATA KELOLA PERUSAHAAN
Commitment, Foundation Implementation, and Principles of Corporate Governance
KOMITMEN COMMITMENT
Perseroan berkomitmen untuk menerapkan praktik terbaik GCG The Company is committed to implementing best practices in
pada setiap aktivitas operasional Perusahaan. Bagi Perseroan, Corporate Governance (GCG) in all of its operational activities.
penerapan praktik terbaik GCG bukanlah semata memenuhi For the Company, the implementation of best practices in GCG
peraturan yang berlaku, tetapi merupakan bagian yang sangat is not merely about complying with applicable regulations, but
penting dalam rangka mewujudkan pertumbuhan usaha yang is a crucial part of achieving optimal, sustainable, and high-
optimal, berkelanjutan dan berkualitas. Penerapan praktik quality business growth. The application of best GCG practices
terbaik GCG juga merupakan bagian dari upaya Perseroan is also part of the Company’s efforts to contribute maximally to
untuk turut mendukung pembangunan bangsa secara maksimal national development through its intermediary role.
melalui peran intermediasi yang dijalankan.
Perseroan menyadari pentingnya penerapan praktik terbaik The Company recognizes the importance of implementing best
prinsip-prinsip GCG sebagai landasan dan sarana bagi practices of GCG principles as a foundation and means for
pencapaian visi, misi dan tujuan Perusahaan. Perseroan achieving its vision, mission, and objectives. The Company also
juga meyakini, komitmen yang tinggi dan konsistensi dalam believes that a strong commitment and consistency in applying
menerapkan praktik terbaik GCG akan dapat mencegah best GCG practices will prevent fraud, corruption, abuse of
praktik-praktik fraud, korupsi, penyalahgunaan wewenang authority, and other misconducts through enhanced oversight
dan sebagainya melalui meningkatnya fungsi pengawasan functions in the management of the Company. Therefore, the
dalam pengelolaan Perusahaan. Oleh karenanya, Perseroan Company is determined to continuously evaluate and improve
bertekad untuk senantiasa melakukan evaluasi dan melakukan the quality of the implementation of best GCG practices in line
perbaikan kualitas penerapan praktik terbaik GCG sesuai with the latest developments.
dengan perkembangan terkini.
DA S A R P E N E R A PA N TATA K E LO L A BASIS FOR CORPORATE GOVERNANCE
PERUSAHAAN IMPLEMENTATION
Penerapan GCG di Bank Artha Graha Internasional merujuk The implementation of Corporate Governance (GCG) at Bank
pada peraturan Undang-Undang dan ketentuan-ketentuan Artha Graha Internasional refers to the laws and regulations
yang berlaku di industri perbankan, mencakup antara lain: applicable in the banking industry, including, but not limited to:
Undang-Undang (UU) Republik Indonesia Law (UU) of the Republic of Indonesia
1. UU No. 7 Tahun 1992 tentang Perbankan sebagaimana 1. Law No. 7 of 1992 on Banking, as amended by Law No.
telah diubah dengan UU No. 10 Tahun 1998 dan 10 of 1998, and further amended partially by Law No. 11
sebagaimana telah diubah sebagian dengan UU No. 11 of 2020 on Job Creation and Law No. 6 of 2023 on the
Tahun 2020 tentang Cipta Kerja dan UU No. 6 Tahun 2023 Establishment of Government Regulation in Lieu of Law
tentang Penetapan Peraturan Pemerintah Pengganti UU No. 2 of 2022 on Job Creation into Law;
No. 2 Tahun 2022 tentang Cipta Kerja menjadi Undang-
Undang;
2. UU No. 40 Tahun 2007 tentang Perseroan Terbatas 2. Law No. 40 of 2007 on Limited Liability Companies,
sebagaimana telah diubah sebagian dengan UU No. 11 as amended partially by Law No. 11 of 2020 on Job
Tahun 2020 tentang Cipta Kerja dan UU No. 6 Tahun 2023 Creation and Law No. 6 of 2023 on the Establishment of
tentang Penetapan Peraturan Pemerintah Pengganti UU Government Regulation in Lieu of Law No. 2 of 2022 on
No. 2 Tahun 2022 tentang Cipta Kerja menjadi Undang- Job Creation into Law;
Undang;
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3. UU No. 14 Tahun 2008 tentang Keterbukaan Informasi; 3. Law No. 14 of 2008 on Public Information Disclosure; and
dan
4. UU No. 4 Tahun 2023 tentang Pengembangan dan 4. Law No. 4 of 2023 on the Development and Strengthening
Penguatan Sektor Keuangan. of the Financial Sector.
Peraturan Otoritas Jasa Keuangan (POJK) Financial Services Authority Regulations (POJK)
Emiten atau Perusahaan Publik Issuers or Public Companies
1. POJK No. 33/POJK.04/2014 tentang Direksi dan Dewan 1. POJK No. 33/POJK.04/2014 on the Board of Directors
Komisaris Emiten atau Perusahaan Publik; and Board of Commissioners of Public Companies;
2. POJK No. 34/POJK.04/2014 tentang Komite Nominasi 2. 2. POJK No. 34/POJK.04/2014 on the Nomination and
dan Remunerasi Emiten atau Perusahaan Publik; Remuneration Committee of Public Companies;
3. POJK No. 35/POJK.04/2014 tentang Sekretaris 3. POJK No. 35/POJK.04/2014 on the Corporate Secretary
Perusahaan Emiten atau Perusahaan Publik; of Public Companies;
4. POJK No. 8/POJK.04/2015 tentang Situs Web Emiten 4. POJK No. 8/POJK.04/2015 on the Website of Public
atau Perusahaan Publik; Companies;
5. POJK No. 21/POJK.04/2015 tentang Penerapan Pedoman 5. POJK No. 21/POJK.04/2015 on the Implementation of
Tata Kelola Perusahaan Terbuka; Governance Guidelines for Public Companies;
6. POJK No. 31/POJK.04/2015 tentang Keterbukaan Atas 6. POJK No. 31/POJK.04/2015 on the Disclosure of Material
Informasi atau Fakta Material oleh Emiten atau Perusahaan Information or Facts by Public Companies; and
Publik; dan
7. POJK No. 29/POJK.04/2016 tentang Laporan Tahunan 7. POJK No. 29/POJK.04/2016 on the Annual Report of
Emiten atau Perusahaan Publik. Public Companies.
Audit Internal Internal Audit
1. POJK No. 55/POJK.04/2015 tentang Pembentukan dan 1. POJK No. 55/POJK.04/2015 concerning the Establishment
Pedoman Kerja Komite Audit; and Guidelines for the Audit Committee Charter;
2. POJK No. 56/POJK.04/2015 tentang Pembentukan dan 2. POJK No. 56/POJK.04/2015 concerning the Establishment
Pedoman Penyusunan Piagam Unit Audit Internal; dan and Guidelines for the Preparation of the Internal Audit
Unit Charter; and
3. POJK No. 1/POJK.03/2019 tentang Penerapan Fungsi 3. POJK No. 1/POJK.03/2019 concerning the Implementation
Audit Intern pada Bank Umum. of the Internal Audit Function at Commercial Banks.
Konvensional Conventional
1. POJK No. 4/POJK.03/2016 tentang Penilaian Tingkat 1. POJK No. 4/POJK.03/2016 concerning the Assessment of
Kesehatan Bank Umum; the Soundness Level of Commercial Banks;
2. POJK No. 18/POJK.03/2016 tentang Penerapan 2. POJK No. 18/POJK.03/2016 concerning Risk Management
Manajemen Risiko bagi Bank Umum; Implementation for Commercial Banks;
3. POJK No. 12/POJK.03/2021 tentang Bank Umum; 3. POJK No. 12/POJK.03/2021 concerning Commercial
Banks;
4. POJK No. 46/POJK.03/2017 tentang Pelaksanaan Fungsi 4. POJK No. 46/POJK.03/2017 concerning the
Kepatuhan Bank Umum; Implementation of the Compliance Function at Commercial
Banks;
5. POJK No. 37/POJK.03/2019 tentang Transparansi dan 5. POJK No. 37/POJK.03/2019 concerning Transparency
Publikasi Laporan Bank Umum; dan and Publication of Reports by Commercial Banks; and
6. POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola 6. POJK No. 17 of 2023 concerning the Implementation of
bagi Bank Umum. Governance for Commercial Banks.
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Lembaga Jasa Keuangan; Financial Services Institutions
1. POJK No. 27/POJK.03/2016 tentang Penilaian 1. POJK No. 27/POJK.03/2016 concerning the Fit and Proper
Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Test for Primary Parties of Financial Services Institutions.
Jasa Keuangan.
Surat Edaran Otoritas Jasa Keuangan (SEOJK) Financial Services Authority Circular Letter (SEOJK)
1. SEOJK No. 32/POJK.04/2015 tanggal 17 November 2015 1. SEOJK No. 32/POJK.04/2015 dated November 17, 2015
tentang Tata Kelola Perusahaan Terbuka; regarding Public Company Governance;
2. SEOJK No. 55/POJK.04/2015 tanggal 29 Desember 2015 2. SEOJK No. 55/POJK.04/2015 dated December 29, 2015
tentang Pembentukan dan Pedoman Pelaksanaan Kerja regarding the Establishment and Implementation uidelines
Komite Audit; for the Audit Committee;
3. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 3. SEOJK No. 13/SEOJK.03/2017 dated March 17, 2017
tentang Penerapan Tata Kelola Bagi Bank Umum; dan regarding the Implementation of Governance for
Commercial Banks; and
4. SEOJK No. 16/SEOJK.04/2021 tanggal 29 Juni 2021 4. SEOJK No. 16/SEOJK.04/2021 dated June 29, 2021
tentang Bentuk dan Isi Laporan Tahunan Emiten atau concerning the Form and Content of Annual Reports of
Perusahaan Publik. Issuers or Public Companies.
Lain-Lain Others
1. Pedoman Umum Governansi Korporat Indonesia (PUGKI) 1. General Guidelines for Indonesian Corporate Governance
dari Komite Nasional Kebijakan Governance (KNKG); dan (PUGKI) from the National Committee on Governance
Policy (KNKG); and
2. Anggaran Dasar Perusahaan yang tertuang dalam Akta 2. The Company’s Articles of Association as stated in the Deed
Pernyataan Keputusan Rapat dan Perubahan Anggaran of Meeting Resolution and Amendment to the Articles of
Dasar PT Bank Artha Graha Internasional Tbk No. 06 Association of PT Bank Artha Graha Internasional Tbk No.
tanggal 17 Juli 2024. 06 dated July 17, 2024.
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PRINSIP TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE PRINCIPLES
Prinsip-prinsip penerapan GCG yang dilakukan oleh Bank The principles of GCG implementation at Bank Artha Graha
Artha Graha Internasional mengacu pada 4 pilar governansi Internasional refer to the four pillars of governance as outlined
sebagaimana disampaikan dalam Pedoman Umum Governansi in the Indonesian Code of Good Corporate Governance
Korporat Indonesia (PUGKI) dari Komite Nasional Kebijakan (PUGKI) issued by the National Committee on Governance
Governance (KNKG), yaitu: Policy (KNKG), namely:
PEDOMAN GCG PEDOMAN GOVERNANSI
2006, 2019 2021
Transparansi
Transparency Etika
(Perilaku Beretika)
Ethical Conduct
Akuntabilitas
Accountability
Transparansi
Transparency
Responsibilitas
Responsibility
Akuntabilitas
Accountability
Independensi
Independency
Keberlanjutan
Sustainability
Fairness
Perilaku Beretika Dalam melaksanakan kegiatannya, Bank senantiasa mengedepankan kejujuran, memperlakukan semua pihak
dengan hormat (respect), memenuhi komitmen, membangun serta menjaga nilai-nilai moral dan kepercayaan
Ethical Conduct
secara konsisten. Korporasi memperhatikan kepentingan pemegang saham dan pemangku kepentingan lainnya
berdasarkan asas kewajaran dan kesetaraan (fairness) dan dikelola secara independen sehingga masing-masing
organ perusahaan tidak saling mendominasi dan tidak dapat diintervensi oleh pihak lain.
In conducting its activities, the Bank consistently upholds honesty, treats all parties with respect, honors
its commitments, and builds as well as maintains moral values and trust. The Bank considers the interests of
shareholders and other stakeholders based on the principles of fairness and equality and is managed independently
to ensure that each corporate organ operates without domination or interference from any other party.
Akuntabilitas Bank dapat mempertanggungjawabkan kinerjanya secara transparan dan wajar. Untuk itu Bank dikelola
secara benar, terukur dan sesuai dengan kepentingan korporat dengan tetap memperhitungkan kepentingan
Accountability
pemegang saham dan pemangku kepentingan. Akuntabilitas merupakan prasyarat yang diperlukan untuk
mencapai kinerja yang berkelanjutan.
The Bank is able to account for its performance in a transparent and fair manner. To this end, the Bank is managed
properly, in a measurable way, and in accordance with corporate interests while taking into account the interests of
shareholders and stakeholders. Accountability is a necessary prerequisite for achieving sustainable performance.
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Transparansi Untuk menjaga obyektivitas dalam menjalankan bisnis, Bank menyediakan informasi yang material dan relevan
dengan cara yang mudah diakses dan dipahami oleh pemangku kepentingan. Bank mengambil inisiatif untuk
Transparency
mengungkapkan tidak hanya masalah yang disyaratkan oleh peraturan perundang-undangan, tetapi juga hal
yang penting untuk pengambilan keputusan oleh pemegang saham, kreditur dan pemangku kepentingan
lainnya.
To maintain objectivity in conducting its business, the Bank provides material and relevant information in a manner
that is accessible and understandable to stakeholders. The Bank takes the initiative to disclose not only matters
required by laws and regulations but also those that are important for decision-making by shareholders, creditors,
and other stakeholders.
Keberlanjutan Bank mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung jawab terhadap
masyarakat dan lingkungan agar berkontribusi pada pembangunan berkelanjutan melalui kerjasama dengan
Sustainability
semua pemangku kepentingan terkait untuk meningkatkan kehidupan mereka dengan cara yang selaras
dengan kepentingan bisnis dan agenda pembangunan berkelanjutan.
The Bank complies with applicable laws and regulations and is committed to fulfilling its responsibilities toward
society and the environment. This commitment aims to contribute to sustainable development through collaboration
with all relevant stakeholders to improve lives in a way that aligns with the Bank’s business interests and the broader
sustainable development agenda.
Adapun 8 (delapan) prinsip governansi terkini yang diterapkan The 8 (eight) current governance principles implemented by
oleh Bank Artha Graha Internasional dengan mengacu pada Bank Artha Graha Internasional, referring to the PUGKI, are as
PUGKI dimaksud adalah: follows:
Prinsip 1: Direksi dan Dewan Komisaris menjalankan peran dan tanggung jawabnya secara independen untuk menciptakan
nilai yang berkelanjutan untuk kepentingan terbaik jangka panjang korporasi dan pemegang saham, dengan
Peran dan Tanggung Jawab
mempertimbangkan kepentingan para pemangku kepentingan.
Direksi dan Dewan Komisaris
The Board of Directors and the Board of Commissioners carry out their roles and responsibilities independently to
Principle 1:
create sustainable value in the long-term interests of the corporation and its shareholders, while taking into account
Roles and Responsibilities of the interests of stakeholders.
the Board of Directors and
Board of Commissioners
Prinsip 2: Anggota Direksi dan anggota Dewan Komisaris dipilih dan ditetapkan sedemikian rupa sehingga komposisi
Direksi sebagai organ pengelolaan dan komposisi Dewan Komisaris sebagai organ pengawasan adalah beragam
Komposisi dan Remunerasi
dan masing-masing terdiri dari para Direktur dan Komisaris yang memiliki komitmen, pengetahuan, kemampuan,
Direksi dan Dewan Komisaris
pengalaman dan keahlian yang dibutuhkan untuk memenuhi secara tepat peran pengelolaan Direksi dan peran
Principle 2: pengawasan Dewan Komisaris.
Composition and Remunerasi dirancang untuk secara efektif menyelaraskan kepentingan anggota Direksi dan anggota Dewan
Remuneration of the Board Komisaris dengan kepentingan jangka panjang korporasi dan penciptaan nilai yang berkelanjutan.
of Directors and Board of
Members of the Board of Directors and Board of Commissioners are selected and appointed in a manner that
Commissioners
ensures the composition of the Board of Directors as the managing body and the Board of Commissioners as the
supervisory body is diverse. Each consists of individuals with the commitment, knowledge, capability, experience,
and expertise required to appropriately fulfill their respective management and supervisory roles.
Remuneration is designed to effectively align the interests of members of the Board of Directors and Board of
Commissioners with the corporation’s long-term interests and sustainable value creation.
Prinsip 3: Direksi dan Dewan Komisaris memiliki hubungan kerja yang erat, terbuka, konstruktif, profesional dan saling
percaya untuk kepentingan terbaik korporasi.
Hubungan Kerja antara
Direksi dan Dewan Komisaris The Board of Directors and the Board of Commissioners maintain a close, open, constructive, professional, and
trust-based working relationship for the best interests of the corporation.
Principle 3:
Working Relationship
between the Board of
Directors and Board of
Commissioners
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Prinsip 4: Bank memiliki komitmen untuk bertindak secara etis dan bertanggung jawab, menegakkan nilai-nilai dan budaya
organisasi.
Perilaku Etis
The Bank is committed to acting ethically and responsibly, upholding organizational values and culture.
Principle 4:
Ethical Conduct
Prinsip 5: Bank menjalankan praktik governansi korporat yang terintegrasi dengan penerapan sistem pengendalian internal
dan manajemen risiko, serta sistem manajemen kepatuhan yang efektif dalam rangka mendukung pencapaian
Manajemen Risiko,
sasaran, visi, misi, tujuan, maupun target kinerja korporat dalam menjalankan bisnis secara berintegritas.
Pengendalian Intern dan
Kepatuhan The Bank integrates corporate governance practices with the implementation of internal control systems, risk
management, and an effective compliance management system to support the achievement of the Bank’s goals,
Principle 5:
vision, mission, objectives, and performance targets while conducting business with integrity.
Risk Management, Internal
Control, and Compliance
Prinsip 6: Bank membuat pengungkapan yang akurat dan tepat waktu mengenai semua hal yang material tentang korporasi.
Pengungkapan dan The Bank ensures accurate and timely disclosure of all material information concerning the corporation.
Transparansi
Principle 6:
Disclosure and Transparency
Prinsip 7: Bank melindungi dan memfasilitasi pelaksanaan hak pemegang saham dan memastikan perlakukan yang
adil terhadap pemegang saham, termasuk pemegang saham minoritas. Semua pemegang saham memiliki
Hak-hak Pemegang Saham
kesempatan untuk mendapatkan ganti rugi yang efektif atas pelanggaran hak-hak mereka.
Principle 7:
The Bank protects and facilitates the exercise of shareholder rights and ensures fair treatment of all shareholders,
Shareholder Rights including minority shareholders. All shareholders have the opportunity to seek effective redress for violations of
their rights.
Prinsip 8: Bank mengakui hak-hak pemangku kepentingan yang ditetapkan dalam peraturan perundang-undangan yang
berlaku atau suatu perjanjian yang disepakati oleh korporasi dan mendorong kerja sama aktif dengan pemangku
Hak-hak Pemangku
kepentingan dalam menciptakan kekayaan, lapangan kerja, dan keberlanjutan usaha yang sehat secara finansial.
Kepentingan
The Bank recognizes stakeholder rights as stipulated in applicable laws and regulations or in agreements with the
Principle 8:
corporation, and encourages active cooperation with stakeholders in creating wealth, employment, and financially
Stakeholder Rights sustainable business operations.
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PERKEMBANGAN PENERAPAN TATA KELOLA
PERUSAHAAN YANG BAIK DI LINGKUP PERUSAHAAN
Developments in the Implementation of Good Corporate Governance within the Company
ROADMAP PENING K ATAN KUALITAS GCG QUALITY IMPROVEMENT ROADMAP
PENERAPAN GCG
Perseroan telah menyusun Roadmap GCG untuk memberikan The Company has developed a GCG Roadmap to provide a
gambaran menyeluruh terhadap berbagai aspek tata kelola comprehensive overview of the various corporate governance
perusahaan yang perlu ditingkatkan serta untuk menumbuhkan aspects that require improvement and to foster Management’s
komitmen Manajemen dalam menerapkan GCG yang kemudian commitment to implementing GCG. This is continuously
senantiasa diikuti dengan langkah penyempurnaan dan followed by enhancement efforts and consistent application.
konsistensi penerapannya. Gambaran pelaksanaan tersebut The implementation is evaluated through periodic self-
diukur melalui pelaksanaan self assessment yang dilakukan assessments, the results of which serve as a reference for
secara berkala, yang hasilnya dijadikan acuan untuk melakukan improving the quality of governance practices in subsequent
program-program perbaikan kualitas penerapan di periode- periods.
periode berikutnya.
SELF-ASSESSMENT KUALITAS PENERAPAN SELF-ASSESSMENT OF GCG IMPLEMENTATION
GCG QUALITY
Self-assessment kualitas penerapan GCG dilakukan secara Self-assessment of GCG implementation quality is conducted
periodik setiap semester yaitu pada bulan Juni dan Desember periodically every semester, in June and December of the
pada tahun berjalan. Penilaian sendiri ini dimaksudkan untuk current year. The purpose of this self-assessment is to map out
memetakan kekuatan (strength) dan kelemahan pelaksanaan the strengths and weaknesses in the implementation of GCG
GCG di Bank Artha Graha Internasional yang ditinjau dari tiga at Bank Artha Graha Internasional, reviewed from the following
aspek yaitu: three aspects:
1. Governance Structure 1. Governance Structure
Penilaian governance structure bertujuan untuk menilai The governance structure assessment aims to evaluate
kecukupan struktur dan infrastruktur tata kelola Perseroan the adequacy of the Company’s governance structure
agar proses pelaksanaan prinsip GCG menghasilkan and infrastructure to ensure that the implementation of
outcome yang sesuai dengan harapan stakeholders GCG principles produces outcomes that meet stakeholder
Perseroan. Yang termasuk dalam struktur tata kelola expectations. The Company’s governance structure
Perseroan adalah Dewan Komisaris, Direksi, Komite dan includes the Board of Commissioners, Board of Directors,
satuan kerja pada Perseroan. Adapun yang termasuk Committees, and relevant work units. Governance
infrastruktur tata kelola Perseroan antara lain adalah infrastructure includes policies and procedures,
kebijakan dan prosedur, sistem informasi manajemen management information systems, and the roles and
serta tugas pokok dan fungsi masing-masing struktur functions of each organizational structure.
organisasi.
2. Governance Process 2. Governance Process
Penilaian governance process bertujuan untuk menilai This assessment evaluates the effectiveness of the
efektivitas proses pelaksanaan prinsip GCG yang governance implementation process, supported by
didukung oleh kecukupan struktur dan infrastruktur tata adequate governance structure and infrastructure, to
kelola Perseroan sehingga menghasilkan outcome yang ensure the resulting outcomes align with Stakeholder
sesuai dengan harapan Stakeholders. expectations.
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3. Governance Outcome 3. Governance Outcome
Penilaian governance outcome bertujuan untuk menilai This assessment focuses on the quality of outcomes
kualitas outcome yang memenuhi harapan stakeholders that fulfill stakeholder expectations as a result of the
yang merupakan hasil proses pelaksanaan prinsip GCG governance process, supported by adequate structure
yang didukung oleh kecukupan struktur dan infrastruktur and infrastructure. Outcomes include both qualitative and
tata kelola perusahaan. Yang termasuk dalam outcome quantitative aspects, such as:
mencakup aspek kualitatif dan aspek kuantitatif, antara
lain yaitu:
a. Kecukupan transparansi laporan; a. Transparency of reporting;
b. Kepatuhan terhadap peraturan perundang-undangan; b. Compliance with laws and regulations;
c. Perlindungan konsumen; c. Consumer protection;
d. Objektivitas dalam melakukan assessment/audit; d. Objectivity in assessments/audits;
e. Kinerja bank seperti rentabilitas, efisiensi, dan e. Bank performance, including profitability, efficiency,
permodalan; dan/atau and capital adequacy; and/or
f. Peningkatan/penurunan kepatuhan terhadap ketentuan f. Improvement or deterioration in compliance with
yang berlaku dan penyelesaian permasalahan yang prevailing regulations and resolution of bank-related
dihadapi bank seperti fraud, pelanggaran BMPK, issues such as fraud, legal lending limit violations
pelanggaran ketentuan terkait laporan bank kepada (BMPK), and regulatory reporting breaches.
regulator.
Self-Assessment yang dilakukan meliputi 11 (sebelas) faktor The self-assessment covers 11 (eleven) GCG implementation
penilaian pelaksanaan GCG yang meliputi: assessment factors, including:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Performance of duties and responsibilities of the Board of
Directors;
2. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 2. Performance of duties and responsibilities of the Board of
Commissioners;
3. Kelengkapan dan pelaksanaan tugas Komite; 3. Completeness and performance of Committees;
4. Penanganan benturan kepentingan; 4. Management of conflict of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of the compliance function;
6. Penerapan fungsi audit intern; 6. Implementation of the internal audit function;
7. Penerapan fungsi audit ekstern; 7. Implementation of the external audit function;
8. Penerapan manajemen risiko termasuk sistem 8. Implementation of risk management, including internal
pengendalian intern; control systems;
9. Penyediaan dana kepada pihak terkait (related party) dan 9. Provision of funds to related parties and large exposures;
penyediaan dana besar (large exposure);
10. Transparansi kondisi keuangan dan non keuangan Bank, 10. Transparency of the Bank’s financial and non-financial
laporan pelaksanaan tata kelola dan pelaporan internal; condition, governance report, and internal reporting; and
dan
11. Rencana strategis Bank. 11. The Bank’s strategic plan.
PIHAK YANG MELAKUKAN ASSESSMENT PARTIES CONDUCTING THE ASSESSMENT
Proses penilaian self-assessment tata kelola Bank Artha Graha The self-assessment process of Bank Artha Graha Internasional’s
Internasional melibatkan seluruh Dewan Komisaris, Direksi governance involves the full participation of the Board of
dan unit kerja yang terkait dengan faktor penilaian tata kelola Commissioners, Board of Directors, and work units relevant to
dimaksud. the respective assessment factors.
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SKOR PENILAIAN ASSESSMENT SCORE
Kesimpulan umum hasil penilaian mandiri (Self-Assessment) A general conclusion of the 2024 self-assessment results on the
pelaksanaan Good Corporate Governance Bank pada tahun implementation of Good Corporate Governance at the Bank.
2024.
Hasil Self-Assessment Periode Januari - Juni 2024
Self-Assessment Results for the Period January - June 2024
Hasil Penilaian Sendiri (Self-Assessment) Penerapan Tata Kelola
Self-Assessment Results on Governance Implementation
Peringkat Definisi Peringkat
Rating Rating Definition
2 Mencerminkan Manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum Baik. Hal ini
tercermin dari pemenuhan yang memadai atas prinsip Tata Kelola. Dalam hal terdapat kelemahan penerapan
prinsip Tata Kelola, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan
normal oleh Manajemen Bank.
This rating reflects that the Bank’s Management has generally implemented Good Governance practices. This is
evidenced by the adequate fulfillment of governance principles. Any weaknesses identified in the application of
governance principles are generally not significant and can be addressed through the Bank’s normal course of
management actions.
Hasil Self-Assessment Periode Juli - Desember 2024
Self-Assessment Results for the Period July - December 2024
Hasil Penilaian Sendiri (Self-Assessment) Penerapan Tata Kelola
Self-Assessment Results on Governance Implementation
Peringkat Definisi Peringkat
Rating Rating Definition
2 Mencerminkan Manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum Baik. Hal ini
tercermin dari pemenuhan yang memadai atas prinsip Tata Kelola. Dalam hal terdapat kelemahan penerapan
prinsip Tata Kelola, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan
normal oleh Manajemen Bank.
This rating reflects that the Bank’s Management has generally implemented Good Governance practices. This is
evidenced by the adequate fulfillment of governance principles. Any weaknesses identified in the application of
governance principles are generally not significant and can be addressed through the Bank’s normal course of
management actions.
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STRUKTUR DAN PROSES TATA KELOLA
Governance Structure and Process
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Remunerasi dan
Komite Audit Komite Pemantau Risiko
Audit Committee Risk Monitoring Committee
Nominasi
Remuneration and Nomination Committee
Komite Pengarah
Komite Manajemen Komite Human Komite Kebijakan
Komite Kredit Komite ALCO Teknologi Informasi Komite Produk
Credit Committee ALCO Committee
Risiko Capital Perkreditan
Information Technology Steering Product Committee
Risk Management Committee Human Capital Committee Credit Policy Committee
Committee
Infrastruktur:
Infracstructure:
Peraturan Perusahaan, Kode Etik, Kebijakan dan Prosedur Organ Utama Organ Pendukung
Company Regulations, Code of Conduct, Policies, and Procedures Main Organ Supporting Organ
Struktur tata kelola Bank Artha Graha Internasional mengacu Bank Artha Graha Internasional’s governance structure refers
pada Undang-undang Republik Indonesia No. 40 tahun 2007 to the Law of the Republic of Indonesia No. 40 of2007
tentang Perseroan Terbatas dan Peraturan Otoritas Jasa on Limited Liability Companies and the Financial Services
Keuangan tentang Penerapan Tata Kelola bagi Bank Umum, Authority Regulation on the Implementation of Governance for
serta Anggaran Dasar Bank. Commercial Banks, as well as the Bank’s Articles of Association.
Secara garis besar, berikut adalah peran organ utama di dalam Generally, the roles of the main organs in Bank Artha Graha
struktur GCG Bank Artha Graha Internasional: Internasional’s GCG structure are as follows:
1. RUPS adalah organ yang mempunyai wewenang yang 1. GMS is an organ that has authority that cannot be given
tidak dapat diberikan kepada Direksi atau Dewan Komisaris to the Board of Directors or the Board of Commissioners
dalam batas yang ditentukan dalam Undang-Undang dan/ within the limits specified in the Law and/or the Articles of
atau Anggaran Dasar; Association;
2. Dewan Komisaris adalah organ yang bertugas melakukan 2. The Board of Commissioners is the organ in charge
pengawasan secara umum dan/atau khusus sesuai dengan of conducting general and/or special supervision in
Anggaran Dasar serta memberi nasihat kepada Direksi; accordance with the Articles of Association and advising
dan the Board of Directors; and
3. Direksi adalah organ yang berwenang dan bertanggung 3. The Board of Directors is the organ authorized and fully
jawab penuh atas pengurusan Perseroan untuk responsible for the management of the Company for the
kepentingan Perseroan, sesuai dengan maksud dan interests of the Company, in accordance with the purposes
tujuan Perseroan serta mewakili Perseroan, sesuai dengan and objectives of the Company and representing the
ketentuan Anggaran Dasar. Company, in accordance with the provisions of the Articles
of Association.
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Sistem kepengurusan Bank menganut model 2 (dua) badan The Bank’s management system adheres to the 2 (two) tier
atau two tier system, yaitu Dewan Komisaris dan Direksi dengan system, namely the Board of Commissioners and the Board
kewenangan dan tanggung jawab yang jelas sesuai fungsinya of Directors with clear authorities and responsibilities in
masing-masing sebagaimana diamanatkan dalam peraturan accordance with their respective functions as mandated in the
dan perundang-undangan serta Anggaran Dasar. laws and regulations and the Articles of Association.
Selain keberadaan organ utama, Bank Artha Graha Internasional In addition to the main organs, Bank Artha Graha Internasional
juga memiliki organ-organ pendukung yang berada di bawah also has supporting organs under the Board of Commissioners
Dewan Komisaris dan Direksi, mencakup: and Board of Directors, including:
1. Organ Pendukung Dewan Komisaris 1. Supporting Organ of the Board of Commissioners
a. Komite Audit; a. Audit Committee;
b. Komite Pemantau Risiko; dan b. Risk Monitoring Committee; and
c. Komite Remunerasi dan Nominasi. c. Remuneration and Nomination Committee.
2. Organ Pendukung Direksi 2. Supporting Organ of the Board of Directors
a. Komite Kredit; a. Credit Committee;
b. Komite ALCO; b. ALCO Committee;
c. Komite Manajemen Risiko; c. Risk Management Committee;
d. Komite Pengarah Teknologi Informasi; d. Information Technology Steering Committee;
e. Komite Human Capital; e. Human Capital Committee;
f. Komite Kebijakan Perkreditan; dan f. Credit Policy Committee; and
g. Komite Produk. g. Product Commiittee.
PROSES TATA KELOLA GOVERNANCE PROCESS
Proses tata kelola merupakan proses penerapan prinsip tata The governance process is a process of applying the principles
kelola yang didukung oleh kecukupan struktur dan infrastruktur of governance supported by the adequacy of corporate
tata kelola perusahaan, sehingga dapat memberikan hasil tata governance structures and infrastructure, so as to provide
kelola yang sesuai dengan harapan pemangku kepentingan. governance results in accordance with stakeholder expectations.
Bank senantiasa memastikan penerapan GCG dapat berjalan The Bank always ensures that GCG implmentation can run
sesuai dengan peraturan perundang-undangan dan Best in accordance with laws and regulations and best practices
Practice dengan memberlakukan beberapa kebijakan (soft by enforcing several policies (soft structure) related to GCG
structure) yang berkaitan dengan penerapan GCG, yaitu: implementation, namely:
1. Pedoman Kerja Dewan Komisaris dan Direksi; 1. Guidelines for the Board of Commissioners and Directors;
2. Pedoman Kerja Komite; 2. Committee Guidelines;
3. Kode Etik; 3. Code of Ethics;
4. Kebijakan Manajemen Risiko; dan 4. Risk Management Policy; and
5. Piagam Audit. 5. Audit Charter.
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Bank Artha Graha Internasional melaksanakan mekanisme GCG Bank Artha Graha Internasional implements the GCG
dalam sebuah tatanan untuk mengintegrasikan seluruh organ mechanism in order to integrate all GCG organs that have
GCG yang memiliki tugas, wewenang maupun tanggung jawab different responsibilities. The governance mechanism
yang berbeda-beda. Mekanisme tata kelola yang diterapkan di implemented in Bank Artha Graha Internasional is described
Bank Artha Graha Internasional digambarkan sebagai berikut: as follows:
Menetapkan fungsi Menetapkan strategi dan
pengendalian yang efektif sasaran Bank
Determining effective Determining Bank’s strategies
management function and targets
Alokasi wewenang, tugas dan Melakukan pemilihan dan
tanggung jawab organ Bank yang pengawasan human capital
Melindungi kepentingan efektif yang efektif
Nasabah, serta memenuhi
Effective allocation of authority, Effective human capital
kepentingan Pemegang Saham
duties, and responsibilities of the selection and monitoring
dan Pemangku Kepentingan
lainnya Bank’s organs
Protecting customer’s needs,
and fulfilling interests of Melakukan pengelolaan Bank
Shareholders and other yang profesional
Stakeholders Managing Bank
professionally
Memadukan budaya, kegiatan, usaha, dan perilaku menjalankan kegiatan usaha yang aman dan sehat, dengan
integritas dan patuh terhadap peraturan perundang-undangan
Combining culture, activity, effort, and behavior to conduct business activities that are safe and healthy, with integrity
and compliance with the laws and regulations
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan organ The General Meeting of Shareholders (GMS) is the highest
tertinggi dalam struktur Tata Kelola Perusahaan Bank Artha organ in the Corporate Governance structure of Bank Artha
Graha Internasional, yang memiliki hak dan kewenangan Graha Internasional, which holds rights and authority not
yang tidak dimiliki oleh Dewan Komisaris dan Direksi dalam possessed by the Board of Commissioners and the Board of
batasan yang ditentukan oleh ketentuan peraturan perundang- Directors, within the limits set by the applicable laws and the
undangan dan Anggaran Dasar Perseroan. RUPS juga menjadi Articles of Association of the Company. GMS also serves as a
media komunikasi antara Pemegang Saham dengan Dewan communication platform between the Shareholders and the
Komisaris dan Direksi melalui forum untuk menyampaikan Board of Commissioners and the Board of Directors, through
laporan pertanggungjawaban atas pelaksanaan tugas serta a forum for presenting accountability reports on the execution
hasil kinerja Bank kepada Pemegang Saham. of duties and the performance results of the Bank to the
Shareholders.
DASAR HUKUM LEGAL BASIS
Dalam menyelenggarakan RUPS, Bank mengacu pada berbagai In conducting the General Meeting of Shareholders (GMS), the
peraturan dan ketentuan antara lain: Bank refers to various regulations and provisions, including:
1. Undang-Undang No. 40 tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 concerning Limited Liability Companies;
Terbatas;
2. Peraturan OJK No. 15/POJK.04/2020 tentang Rencana 2. OJK Regulation No. 15/POJK.04/2020 concerning the Plan
dan penyelenggaraan Rapat Umum Pemegang Saham and Implementation of the General Meeting of Shareholders
Perusahaan Terbuka; for Public Companies;
3. Peraturan OJK No. 16/POJK.04/2020 tentang 3. OJK Regulation No. 16/POJK.04/2020 concerning the
Pelaksanaan Rapat Umum Pemegang Saham Perusahaan Implementation of the General Meeting of Shareholders
Terbuka Secara Elektronik; dan for Public Companies Electronically;
4. Akta Pernyataan Keputusan Rapat Perubahan Anggaran 4. Deed of Resolution of the Meeting on the Amendment of the
Dasar No. 06 Tahun 2024 tanggal 17 Juli 2024 tentang Articles of Association No. 06 of 2024 dated July 17, 2024,
Perubahan Anggaran Dasar PT Bank Artha Graha concerning the Amendment of the Articles of Association
Internasional Tbk. of PT Bank Artha Graha Internasional Tbk.
JENIS RUPS TYPE OF GMS
Dalam pelaksanaannya, RUPS terdiri dari RUPS Tahunan dan In its implementation, the General Meeting of Shareholders
RUPS Luar Biasa. (GMS) consists of the Annual General Meeting of Shareholders
(AGMS) and the Extraordinary General Meeting of Shareholders
(EGMS).
1. RUPS Tahunan 1. Annual GMS
RUPS ini dilaksanakan paling lambat 6 (enam) bulan The AGMS must be held no later than 6 (six) months after
setelah berakhirnya tahun buku. Agenda utama RUPS the end of the financial year. The main agenda of the AGMS
Tahunan terdiri dari pengajuan Laporan Keuangan includes the submission of the Financial Statements and
dan Laporan Tahunan dari Direksi untuk disahkan dan the Annual Report by the Board of Directors for approval
disetujui oleh Pemegang Saham, melakukan penunjukan and ratification by the Shareholders, the appointment of a
Kantor Akuntan Publik untuk tahun depan, memutuskan Public Accounting Firm for the following year, decisions on
penggunaan laba, penetapan gaji dan tunjangan anggota profit distribution, determination of salaries and allowances
Direksi serta gaji atau honorarium dan tunjangan anggota for the members of the Board of Directors and the Board of
Dewan Komisaris, mengangkat atau memberhentikan Commissioners, the appointment or dismissal of members
anggota Direksi atau anggota Dewan Komisaris dan of the Board of Directors or the Board of Commissioners,
memutuskan hal-hal lain yang diperlukan. and any other necessary matters.
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2. RUPS Luar Biasa 2. Extraordinary GMS
Pelaksanaan RUPS Luar Biasa dapat diselenggarakan The EGMS can be convened at any time as needed by the
kapan saja sesuai keperluan Perseroan oleh Direksi Company’s Board of Directors or Board of Commissioners,
ataupun Dewan Komisaris, atas permintaan dari upon the request of the Shareholders.
Pemegang Saham.
TATA CARA PENYELENGGARAAN RUPS PROCEDURES FOR ORGANIZING GMS
Prosedur penyelenggaraan RUPS Tahunan dan RUPS Luar The procedures for convening the Annual General Meeting of
Biasa adalah sebagai berikut: Shareholders (AGMS) and the Extraordinary General Meeting of
Shareholders (EGMS) are as follows:
1. Penyampaian rencana penyelenggaraan RUPS kepada 1. Submission of the GMS plan to the Financial Services
Otoritas Jasa Keuangan dilakukan selambat-lambatnya Authority (OJK) must be made no later than 5 (five) working
5 (lima) hari kerja sebelum pengumuman RUPS; days prior to the GMS announcement;
2. Pengumuman RUPS kepada para Pemegang Saham paling 2. Announcement of the GMS to Shareholders must be made
lambat 14 (empat belas) hari sebelum pemanggilan RUPS, at the latest 14 (fourteen) days prior to the GMS invitation
tidak termasuk tanggal pengumuman dan pemanggilan date, excluding the dates of the announcement and the
RUPS; invitation;
3. Pemanggilan RUPS paling lambat 21 (dua puluh satu) hari 3. The GMS invitation must be issued no later than 21 (twenty-
sebelum tanggal RUPS dengan tidak memperhitungkan one) days prior to the GMS date, excluding the dates of the
tanggal pemanggilan dan pelaksanaan RUPS; invitation and the GMS itself;
4. Penyampaian bukti pengumuman dan pemanggilan 4. Submission of evidence of the GMS announcement and
RUPS kepada Otoritas Jasa Keuangan paling lambat 2 invitation to the Financial Services Authority must be made
(dua) hari kerja setelah penerbitan pengumuman dan no later than 2 (two) working days after the issuance of the
pemanggilan; dan announcement and invitation; and
5. Kewajiban melakukan pengumuman, pemanggilan, ralat 5. The obligation to publish announcements, invitations,
pemanggilan, pemanggilan ulang, dan pengumuman corrections to invitations, re-invitations, and GMS summary
ringkasan risalah RUPS sebagaimana dimaksud dalam minutes-as stipulated in the Financial Services Authority
Peraturan Otoritas Jasa Keuangan ini, bagi Perusahaan Regulation-must be fulfilled by Public Companies with
Terbuka yang sahamnya tercatat pada bursa efek wajib shares listed on a stock exchange through at least the
dilakukan melalui paling sedikit: following platforms:
a. situs web penyedia e-RUPS; a. the e-GMS provider’s website;
b. situs web bursa efek; dan b. the stock exchange’s website; and
c. situs web Perusahaan Terbuka. c. the Public Company’s website.
Penyajian informasi terkait RUPS disajikan dalam Bahasa Information related to the GMS must be presented in both
Indonesia dan bahasa asing, dengan ketentuan bahasa asing Indonesian and a foreign language, with the foreign language
yang digunakan paling sedikit Bahasa Inggris dan memuat being at least English and containing the same information as
informasi yang sama sebagaimana pengumuman yang that published in Indonesian.
menggunakan Bahasa Indonesia.
SISTEM PENYELENGGARAAN RAPAT MEETING ORGANIZATION SYSTEM
Penyelenggaraan RUPS secara elektronik atau e-RUPS The implementation of the General Meeting of Shareholders
merupakan sistem atau sarana elektronik yang digunakan untuk electronically, or e-GMS, refers to an electronic system or
mendukung penyelenggaraan RUPS. Melalui penyelenggaraan platform used to facilitate the conduct of the GMS. This
RUPS ini diharapkan mampu meningkatkan praktik tata kelola approach is expected to enhance the Bank’s governance
yang baik bagi Bank Artha Graha Internasional sehingga practices, thereby strengthening shareholder confidence in
dapat semakin meningkatkan kepercayaan Pemegang Saham Bank Artha Graha Internasional and ultimately contributing
terhadap Bank, dan pada akhirnya membawa dampak positif positively to the Bank’s sustainability.
terhadap keberlangsungan Bank.
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PELAKSANAAN RUPS TAHUN 2024 IMPLEMENTATION OF THE 2024 GENERAL
MEETING OF SHAREHOLDERS
Pada tahun 2024 Perseroan menyelenggarakan dua RUPS, In 2024, the Company convened two GMS meetings, namely
yakni RUPS Tahunan (RUPST) dan RUPS Luar Biasa (RUPSLB), the Annual General Meeting of Shareholders (AGMS) and the
dilaksanakan pada hari Rabu, 26 Juni 2024, pukul 10.52-11.45 Extraordinary General Meeting of Shareholders (EGMS), held
WIB bertempat di Discovery Sky, Lantai 9, Hotel Discovery on Wednesday, June 26, 2024, from 10:52 to 11:45 WIB at
Ancol, Jalan Lodan Timur No. 7, Ancol Taman Impian, Jakarta Discovery Sky, 9th Floor, Hotel Discovery Ancol, Jalan Lodan
Utara, 14430. Timur No. 7, Ancol Taman Impian, North Jakarta, 14430.
Mata Acara Rapat Meeting Agenda
Agenda RUPST adalah sebagai berikut: AGMS Agenda:
1. Persetujuan Laporan Tahunan, termasuk pengesahan 1. Approval of the Annual Report, including ratification of the
Laporan Keuangan dan Laporan Tugas Pengawasan Financial Statements and the Board of Commissioners’
Dewan Komisaris Perseroan Tahun Buku 2023; Supervisory Report for the 2023 Fiscal Year;
2. Penetapan penggunaan Laba Bersih Perseroan tahun 2. Determination of the allocation of the Company’s Net Profit
buku 2023; for the 2023 Fiscal Year;
3. Penunjukan Kantor Akuntan Publik tahun buku 2024; 3. Appointment of the Public Accounting Firm for the 2024
Fiscal Year;
4. Penetapan gaji dan tunjangan anggota Direksi serta gaji 4. Determination of salaries and allowances for members
atau honorarium dan tunjangan anggota Dewan Komisaris; of the Board of Directors and salaries or honorarium and
dan allowances for members of the Board of Commissioners;
and
5. Perubahan Susunan Kepengurusan Perseroan. 5. Changes to the Company’s Management Composition
Agenda RUPSLB adalah sebagai berikut: EGMS Agenda:
1. Persetujuan Perubahan Anggaran Dasar Perseroan. 1. Approval of Amendments to the Company’s Articles of
Association.
Dewan Komisaris dan Direksi Perseroan yang Hadir dalam Board of Commissioners and Board of Directors Present at
Rapat the Meeting
Dewan Komisaris:
Board of Commissioners:
Komisaris Utama/Komisaris Independen Bapak/Mr. Kiki Syahnakri
President Commissioner/Independent Commissioner
Komisaris Independen Ibu/Mrs. Elizawatie Simon
Independent Commissioner
Komisaris Independen Ibu/Mrs. Pesta Uli Sitanggang
Independent Commissioner
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Direksi:
Board of Directors:
Direktur Utama Bapak/Mr. Andy Kasih
President Director
Wakil Direktur Utama Ibu/Mrs. Christina Harapan
Vice President Director
Direktur Bapak/Mr. Indra S. Budianto
Director
Direktur Bapak/Mr. Indrastomo Nugroho
Director
Direktur Bapak/Mr. Handoyo Soedirdja
Director
Pimpinan Rapat Meeting Chairperson
Rapat dipimpin oleh Bapak Kiki Syahnakri, Komisaris Utama/ The Meeting was chaired by Mr. Kiki Syahnakri, President
Komisaris Independen Perseroan berdasarkan Keputusan Commissioner/Independent Commissioner of the Company,
Dewan Komisaris No. 001/KOM-BAGI/VI/2024 tanggal 25 pursuant to the Resolution of the Board of Commissioners No.
Juni 2024. 001/KOM-BAGI/VI/2024 dated June 25, 2024.
Kehadiran Pemegang Saham Shareholders Attendance
Rapat telah dihadiri oleh para pemegang saham dan kuasa The Meeting was attended by shareholders and their legitimate
pemegang saham yang sah, berdasarkan Daftar Pemegang proxies as recorded in the Shareholders Register issued by PT
Saham yang dikeluarkan oleh PT Raya Saham Registra selaku Raya Saham Registra, the Company’s Share Registrar, with the
Biro Administrasi Efek Perseroan adalah sebagai berikut: following details:
1. RUPST: 17.782.312.491 saham, atau mewakili 87,92% dari 1. AGMS: 17,782,312,491 shares, representing 87.92% of the
20.223.412.907 saham; dan total 20,223,412,907 shares; and
2. RUPSLB: 17.782.232.191 saham, atau mewakili 87,92% dari 2. EGMS: 17,782,232,191 shares, representing 87.92% of the
20.223.412.907 saham. total 20,223,412,907 shares.
Pengajuan Pertanyaan dan/atau Pendapat Question and/or Opinion Submission
Pemegang saham dan kuasa pemegang saham diberi Shareholders and their proxies were given the opportunity to
kesempatan untuk mengajukan pertanyaan dan/atau pendapat raise questions and/or express opinions for each agenda item of
untuk tiap mata acara Rapat, namun tidak ada pemegang the Meeting; however, no questions or opinions were submitted.
saham dan kuasa pemegang saham yang mengajukan
pertanyaan dan/atau pendapat.
Mekanisme Pengambilan Keputusan Decision-Making Mechanism
Pengambilan keputusan seluruh mata acara Rapat dilakukan All resolutions of the Meeting were adopted based on
berdasarkan musyawarah untuk mufakat, dalam hal musyawarah deliberation to reach a consensus. In the event that no
untuk mufakat tidak tercapai, pengambilan keputusan dilakukan consensus was reached, the resolution would be adopted by
dengan pemungutan suara. voting.
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Keputusan Rapat RUPS Tahunan Resolution of the Annual General Meeting (AGM)
Mata Acara 1 Meeting Agenda 1:
Persetujuan Laporan Tahunan, termasuk pengesahan Laporan Approval of the Annual Report, including the ratification of the
Keuangan dan Laporan Tugas Pengawasan Dewan Komisaris Financial Statements and the Supervisory Board’s Report for
Perseroan tahun buku 2023. the fiscal year 2023.
Perhitungan Suara
Vote Count
Setuju Tidak Setuju Total Setuju
Abstain
Agree Disagree Total Agree
17.782.309.491 saham | shares Nihil 3.000 saham | shares 17.782.312.491 saham | shares
(99,99%) None (0,00%) (100,00%)
Keputusan
1. Menerima baik dan menyetujui Laporan Tahunan Direksi Perseroan untuk Tahun Buku 2023, termasuk di dalamnya Laporan Kegiatan
Perseroan dan Laporan Tugas Pengawasan Dewan Komisaris Perseroan untuk Tahun Buku 2023;
2. Menerima dan mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2023 yang telah diaudit oleh Kantor Akuntan Publik Kanaka
Puradiredja, Suhartono dengan laporannya Nomor Ref: 00043/3.0409/AU.1/07/0524-3/1/III/2024 tanggal 28 Maret 2024 dengan “Opini
menyajikan secara Wajar”.
Resolution
1. To duly receive and approve the Annual Report of the Company’s Board of Directors for the fiscal year 2023, including the Company’s Activity
Report and the Supervisory Report of the Board of Commissioners for the fiscal year 2023.
2. To receive and ratify the Company’s Financial Statements for the fiscal year 2023, which were audited by the Public Accounting Firm
Kanaka Puradiredja, Suhartono under report No. Ref: 00043/3.0409/AU.1/07/0524-3/1/III/2024 dated March 28, 2024, with a “Present
Fairly Opinion.”
Mata Acara 2 Meeting Agenda 2
Penetapan penggunaan Laba Bersih Perseroan Tahun Buku Determination of the Use of the Company’s Net Profit for the
2023 Financial Year 2023
Perhitungan Suara
Vote Count
Setuju Tidak Setuju Total Setuju
Abstain
Agree Disagree Total Agree
17.773.992.925 saham | shares 8.316.566 saham | shares 3.000 saham | shares 17.773.995.925 saham | shares
(99,95%) (0,04%) (0,00%) (99,95%)
Keputusan
Menyetujui tidak ada pembagian dividen untuk Tahun Buku yang berakhir pada Tanggal 31 Desember 2023 dan seluruh laba bersih tersebut
dipergunakan untuk memperkuat struktur permodalan dan ekspansi usaha Perseroan.
Resolution
To approve that no dividends shall be distributed for the fiscal year ending on December 31, 2023, and that the entire net profit shall be allocated
to strengthen the Company’s capital structure and support its business expansion.
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Mata Acara 3 Meeting Agenda 3
Penunjukan Kantor Akuntan Publik Tahun Buku 2024 Appointment of Public Accountant Firm for Financial Year
2024
Perhitungan Suara
Vote Count
Setuju Tidak Setuju Total Setuju
Abstain
Agree Disagree Total Agree
17.782.309.491 saham | shares Nihil 3.000 saham | shares 17.782.312.491 saham | shares
(99,99%) None (0,00%) (100,00%)
Keputusan
Menyetujui memberikan kuasa dan/atau mendelegasikan wewenang kepada Dewan Komisaris Perseroan berdasarkan rekomendasi Komite Audit
untuk:
1. Menunjuk kembali Kantor Akuntan Publik Kanaka Puradiredja, Suhartono untuk melakukan audit atas buku-buku Perseroan Tahun Buku
yang berakhir pada Tanggal 31 Desember 2024, dan/atau Kantor Akuntan Publik Pengganti yang telah terdaftar pada Otoritas Jasa
Keuangan (OJK), sesuai dengan kriteria POJK Nomor 9 Tahun 2023 tentang Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik
dalam Kegiatan Jasa Keuangan, dan Bank Indonesia serta memiliki reputasi, jika Kantor Akuntan Publik yang ditunjuk tersebut tidak dapat
menyelesaikan pemberian jasa audit atas informasi keuangan historis tahunan pada Periode Penugasan Profesional;
2. Menetapkan honorarium dan persyaratan-persyaratan lain sehubungan dengan Penunjukan Akuntan Publik dan/atau Kantor Akuntan
Publik tersebut.
Resolution
Approved the delegation of authority to the Company’s Board of Commissioners, based on the recommendation of the Audit Committee, to:
1. Reappoint the Public Accounting Firm Kanaka Puradiredja, Suhartono to audit the Company’s financial statements for the fiscal year ending
31 December 2024, and/or appoint a substitute Public Accounting Firm registered with the Financial Services Authority (OJK), in accordance
with the criteria set forth in OJK Regulation Number 9 of 2023 concerning the Use of Public Accountants and Public Accounting Firms in
Financial Services Activities, and Bank Indonesia, and that has a good reputation, in the event the appointed Public Accounting Firm is unable
to complete the audit of the annual historical financial information for the Professional Assignment Period;
2. Determine the honorarium and other terms related to the appointment of the said Public Accountant and/or Public Accounting Firm.
Mata Acara 4 Meeting Agenda 4
Penetapan gaji dan tunjangan anggota Direksi serta gaji atau Determination of salaries and benefits of Board of Directors, and
honorarium dan tunjangan anggota Dewan Komisaris. salaries or honorarium and benefits of Board of Commissioners.
Perhitungan Suara
Vote Count
Setuju Tidak Setuju Total Setuju
Abstain
Agree Disagree Total Agree
17.782.309.491 saham | shares Nihil 3.000 saham | shares 17.782.312.491 saham | shares
(99,99%) None (0,00%) (100,00%)
Keputusan
Menyetujui tidak adanya kenaikan gaji dan tunjangan anggota Direksi serta gaji atau honorarium dan tunjangan anggota Dewan Komisaris.
Resolution
Approved no increase in salaries and benefits for members of the Board of Directors and benefits for members of the Board of Commissioners.
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Mata Acara 5 Meeting Agenda 5
Perubahan Susunan Kepengurusan Perseroan Changes in the Composition of the Company’s Management
Perhitungan Suara
Vote Count
Setuju Tidak Setuju Total Setuju
Abstain
Agree Disagree Total Agree
17.765.906.091 saham | shares 16.403.400 saham | shares 3.000 saham | shares 17.765.909.091 saham | shares
(99,90%) (0,09%) (0,00%) (99,90%)
Keputusan
1. Mengangkat kembali anggota Direksi Perseroan yaitu:
Direksi Ibu Christina Harapan, selaku Wakil Direktur Utama. Sehingga susunan anggota Dewan Komisaris dan anggota Direksi Perseroan
menjadi sebagai berikut:
Dewan Komisaris
• Komisaris Utama/Komisaris Independen : Bapak Kiki Syahnakri
• Wakil Komisaris Utama : Bapak Tomy Winata
• Wakil Komisaris Utama : Bapak Sugianto Kusuma
• Komisaris Independen : Ibu Elizawatie Simon
• Komisaris Independen : Ibu Pesta Uli Sitanggang
Direksi
• Direktur Utama : Bapak Andy Kasih
• Wakil Direktur Utama : Ibu Christina Harapan
• Direktur Kepatuhan/Direktur Independen : Bapak Indrastomo Nugroho
• Direktur : Bapak Indra Sintung Budianto
• Direktur : Bapak Handoyo Soedirdja
2. Memberikan kuasa dan wewenang kepada Direksi Perseroan, dengan hak substitusi, untuk menyatakan atau menuangkan keputusan
tentang susunan anggota Dewan Komisaris dan Direksi tersebut di atas dalam akta yang dibuat di hadapan Notaris, termasuk menuangkan
susunan Dewan Komisaris dan Direksi terkait keputusan tersebut, dan memberitahukan perubahan data Perseroan kepada Menteri Hukum
dan Hak Asasi Manusia Republik Indonesia, serta melakukan semua dan setiap tindakan yang diperlukan sehubungan dengan keputusan
tersebut sesuai dengan peraturan perundangan yang berlaku.
Resolution
1. To reappoint a member of the Company’s Board of Directors, namely:
Board of Directors Mrs. Christina Harapan, as Vice President Director. Thus, the composition of the Company’s Board of Commissioners and
Board of Directors shall be as follows:
Board of Commissioners
• President Commissioner/Independent Commissioner : Mr. Kiki Syahnakri
• Vice President Commissioner : Mr. Tomy Winata
• Vice President Commissioner : Mr. Sugianto Kusuma
• Independent Commissioner : Mrs. Elizawatie Simon
• Independent Commissioner : Mrs. Pesta Uli Sitanggang
Board of Directors
• President Director : Mr. Andy Kasih
• Vice President Director : Mrs. Christina Harapan
• Compliance Director/Independent Director : Mr. Indrastomo Nugroho
• Director : Mr. Indra Sintung Budianto
• Director : Mr. Handoyo Soedirdja
2. To grant authority and power to the Company’s Board of Directors, with the right of substitution, to state or incorporate the resolution regarding
the composition of the Board of Commissioners and Board of Directors into a notarial deed, including to state the composition of the Board
of Commissioners and Board of Directors pursuant to the said resolution, and to report the changes in the Company’s data to the Minister of
Law and Human Rights of the Republic of Indonesia, as well as to perform any and all actions necessary in connection with the said resolution
in accordance with the prevailing laws and regulations.
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Keputusan Rapat RUPS Luar Biasa Resolutions of EGMS
Mata Acara 1 Meeting Agenda 1
Persetujuan Perubahan Anggaran Dasar Perseroan Approval of Amendments to the Company’s Articles of
Association.
Perhitungan Suara
Vote Count
Setuju Tidak Setuju Total Setuju
Abstain
Agree Disagree Total Agree
17.765.825.791 saham | shares 16.403.400 saham | shares 3.000 saham | shares 17.765.828.791 saham | shares
(99,90%) (0,09%) (0,00%) (99,90%)
Keputusan
1. Menyetujui perubahan beberapa ketentuan dalam Anggaran Dasar Perseroan yaitu:
• Ketentuan tentang Direksi;
• Ketentuan tentang Tugas dan Wewenang Direksi;
• Ketentuan tentang Dewan Komisaris; dan
• Ketentuan tentang Tugas dan Wewenang Dewan Komisaris.
2. Menyetujui penambahan beberapa ketentuan dalam Anggaran Dasar Perseroan yaitu:
• Ketentuan tentang Aspek Transparansi Direksi; dan
• Ketentuan tentang Aspek Transparansi Dewan Komisaris.
3. Menyetujui mengubah dan menyusun kembali seluruh pasal-pasal dalam Anggaran Dasar Perseroan dari pasal pertama sampai dengan
pasal terakhir, dalam rangka penyesuaian dan pemenuhan ketentuan POJK Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola bagi
Bank Umum.
4. Memberi kuasa kepada Direksi Perseroan untuk menyatakan keputusan perubahan Anggaran Dasar Perseroan, dengan akta notaris
tersendiri dihadapan Notaris, memohon persetujuan dan/atau memberitahukan perubahan Anggaran Dasar/Perubahan Data Perseroan
kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, dan melakukan segala tindakan yang diperlukan sesuai dengan
peraturan perundangan yang berlaku.
Resolution
1. Approved the amendments to several provisions in the Company’s Articles of Association, namely:
• Provisions regarding the Board of Directors;
• Provisions regarding the Duties and Authorities of the Board of Directors;
• Provisions regarding the Board of Commissioners; and
• Provisions regarding the Duties and Authorities of the Board of Commissioners.
2. Approved the addition of several provisions to the Company’s Articles of Association, namely:
• Provisions regarding the Transparency of the Board of Directors; and
• Provisions regarding the Transparency of the Board of Commissioners.
3. Approved the amendment and restatement of all articles in the Company’s Articles of Association from the first article to the final article to
align with and comply with OJK Regulation No. 17 of 2023 on the Implementation of Governance for Commercial Banks.
4. Granted power of attorney to the Company’s Board of Directors to state the resolutions on the amendments to the Articles of Association in
a separate notarial deed before a Notary, to apply for approval and/or notify the amendment of the Articles of Association/Company Data to
the Minister of Law and Human Rights of the Republic of Indonesia, and to take all necessary actions in accordance with the prevailing laws
and regulations.
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PELAKSANAAN RUPS TAHUNAN TAHUN 2023 2023 ANNUAL GMS OF PT BANK ARTHA
GRAHA INTERNASIONAL TBK
Pada tahun 2023, Perseroan menyelenggarakan RUPS Tahunan In 2023, the Company held its Annual General Meeting of
(RUPST) dan RUPS Luar Biasa (RUPSLB) pada hari Selasa, 27 Shareholders (AGMS) and Extraordinary General Meeting of
Juni 2023, pukul 10.18-10.57 WIB bertempat di Flores A Room, Shareholders (EGMS) on Tuesday, 27 June 2023, from 10:18 to
Lobby Level Hotel Borobudur Jakarta Jl. Lapangan Banteng 10:57 Western Indonesia Time (WIB), at Flores A Room, Lobby
Selatan No. 01, Jakarta Pusat 10710. Level, Hotel Borobudur Jakarta, Jl. Lapangan Banteng Selatan
No. 01, Central Jakarta 10710.
Realisasi Keputusan RUPST dan RUPSLB Tahun Realization of Resolutions from the 2023
2023 Annual and Extraordinary General Meetings
of Shareholders
Keputusan RUPS pemegang saham di tahun 2023 dan tindak The resolutions of the General Meeting of Shareholders (GMS)
lanjut yang dilakukan manajemen atas keputusan pemegang in 2023 and the follow-up actions taken by management in
saham tersebut disajikan di bawah ini. response to those resolutions are presented below.
Tanggal Keputusan Tindak Lanjut
Date Resolutions Follow-Up
27 Juni Mata Acara Pertama
2023 Persetujuan Laporan
1. Menerima baik dan menyetujui Laporan Tahunan Direksi Perseroan untuk Tahun Buku 2022, termasuk
Tahunan, termasuk
June 27, didalamnya Laporan Kegiatan Perseroan dan Laporan Tugas Pengawasan Dewan Komisaris Perseroan
pengesahan Laporan
2023 untuk Tahun Buku 2022;
Keuangan dan Laporan
2. Menerima dan mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2022 yang telah Tugas Pengawasan
diaudit oleh Kantor Akuntan Publik Kanaka Puradiredja, Suhartono dengan laporannya Nomor Ref: Dewan Komisaris
00034/3.0409/AU.1/07/0524-2/1/III/2023, tanggal 29 Maret 2023 dengan Opini menyajikan secara Perseroan tahun buku
Wajar. 2022.
First Agenda Item Approval of the Annual
Report, including
1. To accept and approve the Annual Report of the Board of Directors of the Company for the Fiscal Year 2022,
ratification of the Financial
including the Activity Report of the Company and the Supervisory Report of the Board of Commissioners of
Statements and the
the Company for the Fiscal Year 2022;
Board of Commissioners’
2. To receive and ratify the Company’s Financial Statements for the Fiscal Year 2022 audited by Public Supervisory Report for the
Accounting Firm Kanaka Puradiredja, Suhartono with its report Number Ref: 00034/3.0409/AU.1/07/0524- 2022 fiscal year.
2/1/III/2023, dated March 29, 2023 with a Fair Presentation Opinion.
Mata Acara Kedua
Penetapan penggunaan
Menyetujui tidak ada pembagian dividen untuk Tahun Buku yang berakhir pada Tanggal 31 Desember 2022
Laba Bersih Tahun Buku
dan seluruh laba bersih tersebut dipergunakan untuk memperkuat struktur permodalan dan ekspansi usaha
2022.
Perseroan.
Determination of Net Profit
Second Agenda Item
Allocation for the 2022
Approved that there will be no dividend distribution for the Fiscal Year ending December 31, 2022 and that the Fiscal Year
entire net profit will be used to strengthen the Company’s capital structure and business expansion.
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Tanggal Keputusan Tindak Lanjut
Date Resolutions Follow-Up
Mata Acara Ketiga
Menyetujui memberikan kuasaan dan/atau mendelegasikan wewenang kepada Dewan Komisaris Perseroan
berdasarkan rekomendasi Komite Audit untuk:
1. Menunjuk kembali Kantor Akuntan Publik Kanaka Puradiredja, Suhartono untuk melakukan audit atas
buku-buku Perseroan Tahun Buku yang berakhir pada Tanggal 31 Desember 2023 (dua ribu dua puluh
tiga), dan/atau Kantor Akuntan Publik Pengganti yang telah terdaftar pada Otoritas Jasa Keuangan (OJK),
sesuai dengan kriteria POJK Nomor 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik dan
Kantor Akuntan Publik dalam Kegiatan Jasa Keuangan, dan Bank Indonesia serta memiliki reputasi,
jika Kantor Akuntan Publik yang ditunjuk tersebut tidak dapat menyelesaikan pemberian jasa audit atas
informasi keuangan historis tahunan pada Periode Penugasan Profesional;
Penunjukan Kantor
2. Menetapkan honorarium dan persyaratan-persyaratan lain sehubungan dengan Penunjukan Akuntan Akuntan Publik Tahun
Publik dan/atau Kantor Akuntan Publik tersebut. Buku 2023
Third Agenda Item Appointment of Public
Accountant Firm for
Approved to grant power and/or delegate authority to the Company’s Board of Commissioners based on the
Financial Year 2023
recommendation of the Audit Committee to:
1. Re-appoint Public Accounting Firm Kanaka Puradiredja, Suhartono to audit the Company’s books for
the Financial Year ending on December 31, 2023, and/or a substitute Public Accounting Firm that has
been registered with the Financial Services Authority (OJK), in accordance with the criteria of POJK No.
13/POJK.03/2017 concerning the Use of Public Accountant Services and Public Accountant Offices in
Financial Services Activities, and Bank Indonesia and has a reputation, if the appointed Public Accounting
Firm is unable to complete the provision of audit services for annual historical financial information during
the Professional Assignment Period;
2. Determine the honorarium and other requirements in connection with the appointment of the Public
Accountant and/or Public Accounting Firm.
Penetapan gaji dan
tunjangan anggota Direksi
serta gaji atau honararium
Mata Acara Keempat
dan tunjangan Dewan
Menyetujui tidak adanya kenaikan gaji dan tunjangan anggota Direksi dan tunjangan anggota Dewan Komisaris. Komisaris.
Fourth Agenda Determination of salaries
and benefits for members
Approved no increase in salaries and benefits for members of the Board of Directors and no increase in benefits
of the Board of Directors
for members of the Board of Commissioners.
and salaries or honoraria
and benefits for the Board
of Commissioners.
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Tanggal Keputusan Tindak Lanjut
Date Resolutions Follow-Up
Mata Acara Kelima
1. Memberhentikan dengan hormat Bapak Nicolaus Eko Riwayanto selaku Komisaris Independen dan Bapak
Andy Dharma selaku Direktur Perseroan, yang berlaku efektif terhitung sejak ditutupnya Rapat ini dengan
mengucapkan terima kasih atas kinerja dan jasa-jasanya selama menjabat selaku Komisaris Independen
dan Direktur Perseroan.
2. Memberhentikan dengan hormat Bapak Anas Latief selaku Direktur Kepatuhan/Direktur Independen
Perseroan, terhitung sejak efektifnya pengangkatan Bapak Indrastomo Nugroho selaku penggantinya
yang akan disebut, dengan mengucapkan terima kasih atas kinerja dan jasa-jasanya selama menjabat
selaku Direktur Kepatuhan/Direktur Independen Perseroan.
3. Mengangkat Bapak Indrastomo Nugroho selaku Direktur Kepatuhan/Direktur Independen menggantikan
Bapak Anas Latief, berlaku efektif sejak yang bersangkutan memperoleh persetujuan (Fit and Proper) dari
Otoritas Jasa Keuangan (OJK).
4. Memberhentikan Bapak Indrastomo Nugroho selaku Direktur Perseroan berlaku efektif sejak yang
bersangkutan memperoleh persetujuan (Fit and Proper) dari OJK selaku Direktur Kepatuhan/Direktur
Independen.
5. Mengangkat kembali anggota Dewan Komisaris dan anggota Direksi Perseroan yaitu:
Dewan Komisaris
• Bapak Kiki Syahnakri, selaku Komisaris Utama/Komisaris Independen;
• Bapak Tomy Winata, selaku Wakil Komisaris Utama;
• Bapak Sugianto Kusuma, selaku Wakil Komisaris Utama.
Direksi
• Bapak Andy Kasih, selaku Direktur Utama;
• Bapak Indra S. Budianto, selaku Direktur.
6. Mengangkat anggota Dewan Komisaris dan anggota Direksi Perseroan yaitu:
Dewan Komisaris Perubahan Susunan
Ibu Pesta Uli Sitanggang*), selaku Komisaris Independen; Kepengurusan Perseroan.
*Berlaku efektif sejak memperoleh persetujuan (Fit and Proper) Changes to the
Direksi Company’s Management
Composition.
Bapak Handoyo Soedirdja*), selaku Direktur;
*Berlaku efektif sejak memperoleh persetujuan (Fit and Proper)
Sehingga susunan anggota Dewan Komisaris dan anggota Direksi Perseroan menjadi sebagai berikut:
Dewan Komisaris
1. Komisaris Utama/Komisaris Independen : Bapak Kiki Syahnakri
2. Wakil Komisaris Utama : Bapak Tomy Winata
3. Wakil Komisaris Utama : Bapak Sugianto Kusuma
4. Komisaris Independen : Ibu Elizawatie Simon
5. Komisaris Independen : Ibu Pesta Uli Sitanggang*)
*Efektif setelah diperolehnya persetujuan Fit and Proper Test
Direksi
1. Direktur Utama : Bapak Andy Kasih
2. Wakil Direktur Utama : Ibu Christina Harapan
3. Direktur Kepatuhan/Direktur Independen : Bapak Indrastomo Nugroho*)
4. Direktur : Bapak Indra Sintung Budianto
5. Direktur : Bapak Handoyo Soedirdja*)
*Efektif setelah diperolehnya persetujuan Fit and Proper Test
7. Memberikan kuasa dan wewenang kepada Direksi Perseroan, dengan hak substitusi, untuk menyatakan/
menuangkan keputusan tentang susunan anggota Dewan Komisaris dan Direksi tersebut di atas dalam akta
yang dibuat di hadapan Notaris, termasuk menuangkan susunan Dewan Komisaris dan Direksi terkait keputusan
tersebut, dan memberitahukan perubahan data Perseroan kepada Menteri Hukum dan Hak Asasi Manusia
Republik Indonesia, serta melakukan semua dan setiap tindakan yang diperlukan sehubungan dengan
keputusan tersebut sesuai dengan peraturan perundangan yang berlaku.
8. Berdasarkan Pasal 26 ayat (1) POJK 55/2016 yang menyatakan bahwa Komisaris Independen yang telah
menjabat selama 2 (dua) periode masa jabatan berturut-turut dapat diangkat kembali pada periode
selanjutnya sebagai Komisaris Independen sepanjang Komisaris Independen tersebut menyatakan dalam
RUPS mengenai Independensinya, maka dengan itu Bapak Kiki Syahnakri selaku Komisaris Utama/
Komisaris Independen telah menyatakan Independensinya yang tertuang dalam Surat Pernyataan
Independensi tertanggal 23 Juni 2023.
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Tanggal Keputusan Tindak Lanjut
Date Resolutions Follow-Up
Fifth Agenda
1. Honorably discharged Mr. Nicolaus Eko Riwayanto as Independent Commissioner and Mr. Andy Dharma
as Director of the Company, effective as of the closing of this Meeting, with gratitude for their performance
and services during their tenure;
2. Honorably discharged Mr. Anas Latief as Compliance Director/Independent Director of the Company,
effective upon the appointment of Mr. Indrastomo Nugroho as his replacement, with gratitude for his
performance and services during his tenure;
3. Appointed Mr. Indrastomo Nugroho as Compliance Director/Independent Director replacing Mr. Anas
Latief, effective upon obtaining Fit and Proper approval from the Financial Services Authority (OJK);
4. Discharged Mr. Indrastomo Nugroho as Director of the Company, effective upon obtaining Fit and Proper
approval from OJK as Compliance Director/Independent Director;
5. Reappointed members of the Board of Commissioners and Board of Directors:
Board of Commissioners
• Mr. Kiki Syahnakri, as President Commissioner/Independent Commissioner;
• Mr. Tomy Winata, as Vice President Commissioner;
• Mr. Sugianto Kusuma, as Vice President Commissioner;
Board of Directors
• Mr. Andy Kasih, as President Director;
• Mr. Indra S. Budianto, as Director;
6. Appointed new members of the Board of Commissioners and Board of Directors:
Board of Commissioners
Ms. Pesta Uli Sitanggang*), as Independent Commissioner;
*Effective upon obtaining Fit and Proper approval
Board of Directors
Mr. Handoyo Soedirdja*), as Director;
*Effective upon obtaining Fit and Proper approval
Resulting in the following composition of the Company’s Board of Commissioners and Board of
Directors:
Board of Commissioners
1. President Commissioner/Independent Commissioner: Mr. Kiki Syahnakri
2. Vice President Commissioner: Mr. Tomy Winata
3. Vice President Commissioner: Mr. Sugianto Kusuma
4. Independent Commissioner: Ms. Elizawatie Simon
5. Independent Commissioner: Ms. Pesta Uli Sitanggang*)
*)Effective upon obtaining Fit and Proper approval
7. Granted authority and power to the Company’s Board of Directors, with substitution rights, to declare/
record the resolution on the composition of the Board of Commissioners and Board of Directors into a
notarial deed, including stating the composition in relation to the resolution, and notify changes to the
Company’s data to the Minister of Law and Human Rights of the Republic of Indonesia, and perform all
necessary actions in accordance with the applicable laws and regulations
8. Based on Article 26 paragraph (1) of POJK 55/2016 which stipulates that an Independent Commissioner
who has served for 2 (two) consecutive terms may be reappointed for the next term as Independent
Commissioner provided that they declare their independence in the GMS, Mr. Kiki Syahnakri as President
Commissioner/Independent Commissioner has declared his independence, as stated in the Declaration of
Independence dated June 23, 2023.
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RUPS Luar Biasa Tahunan 2023 PT Bank Artha Graha Internasional Tbk
Extraordinary General Meeting of Shareholders (EGMS) 2023 of PT Bank Artha Graha Internasional Tbk
Tanggal Keputusan Tindak Lanjut
Date Resolutions Follow-Up
27 Juni 2023 Mata Acara Pertama
June 27, 2023 1. Menyetujui mengubah Pasal 26 Anggaran Dasar Perseroan Tahun
2020 dalam rangka penyesuaian dan pemenuhan Peraturan Otoritas
Jasa Keuangan (POJK) No. 14/POJK.04/2022 tentang Penyampaian
Laporan Keuangan Berkala Emiten atau Perusahaan Publik.
2. Menyetujui mengubah dan menyusun kembali seluruh pasal-pasal
dalam Anggaran Dasar Perseroan dari pasal pertama sampai dengan
pasal terakhir, dalam rangka penyesuaian dan pemenuhan ketentuan
POJK No. 31/POJK.04/2015 tentang Keterbukaan Atas Informasi atau
Fakta Material oleh Emiten atau Perusahaan Publik.
3. Menyetujui mengubah Pasal 3 Anggaran Dasar Perseroan Tahun
2020 dalam rangka penyesuaian dan pemenuhan ketentuan
Peraturan Kepala Badan Pusat Statistik No 2 tahun 2020 tentang
Klasifikasi Baku Lapangan Usaha Indonesia dengan nomor KBLI:
• KBLI 64121 tentang Bank Umum Konvensional
• KBLI 64123 tentang Unit Usaha Syariah Bank Umum
4. Memberi kuasa kepada Direksi Perseroan untuk menyatakan
keputusan perubahan Anggaran Dasar Perseroan, dengan akta
notaris tersendiri di hadapan Notaris, memohon persetujuan dan/
atau memberitahukan perubahan Anggaran Dasar Perseroan kepada
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, dan
melakukan segala tindakan yang diperlukan sesuai dengan peraturan Persetujuan perubahan Anggaran Dasar
perundangan yang berlaku. Perseroan.
Approval of changes to the Company’s
First Agenda Articles of Association.
1. Approved the amendment of Article 26 of the Company’s Articles of
Association for 2020 to align and comply with the Financial Services
Authority (OJK) Regulation No. 14/POJK.04/2022 regarding the
Submission of Periodic Financial Reports by Issuers or Public Companies.
2. Approved the amendment and reorganization of all articles in the
Company’s Articles of Association from the first to the last article, to align
and comply with the provisions of OJK Regulation No. 31/POJK.04/2015
regarding Disclosure of Material Information or Facts by Issuers or Public
Companies.
3. Approved the amendment of Article 3 of the Company’s Articles of
Association for 2020 to align and comply with the provisions of the Head
of the Central Statistics Agency Regulation No. 2 of 2020 regarding the
Indonesian Standard Industrial Classification with KBLI number:
• KBLI 64121 concerning Conventional Commercial Banks
• KBLI 64123 concerning Sharia Business Units of Commercial Banks
4. Granted authority to the Company’s Board of Directors to declare the
amendment of the Company’s Articles of Association with a separate
notarial deed in the presence of a Notary, request approval and/or notify
the Minister of Law and Human Rights of the Republic of Indonesia of
the amendments, and perform all necessary actions in accordance with
the applicable laws and regulations.
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Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ perusahaan yang The Board of Commissioners is a corporate organ thatis tasked
bertugas dan bertanggung jawab secara kolektif kolegial and responsible collectively and collegially forsupervising and
untuk melakukan pengawasan dan memberikan nasihat advising the Board of Directors andensuring that the Bank
kepada Direksi serta memastikan bahwa Bank melaksanakan implements GCG at all levels ofthe organization. In carrying
GCG pada seluruh tingkatan atau jenjang organisasi. Dalam out its duties, the Boardof Commissioners is responsible to
melaksanakan tugas, Dewan Komisaris bertanggung jawab the GMS. Theaccountability of the Board of Commissioners
kepada RUPS. Pertanggung jawaban Dewan Komisaris kepada to the GMSis a manifestation of supervisory accountability for
RUPS merupakan perwujudan akuntabilitas pengawasan atas themanagement of the Bank in the context of implementing
pengelolaan Bank dalam rangka pelaksanaan prinsip-prinsip GCG principles.
GCG.
Dalam menjalankan kegiatannya Dewan Komisaris memerlukan In carrying out its activities, the Board of Commissionersrequires
suatu pedoman dan tata tertib kerja agar tujuan tersebut dapat guidelines and work rules so that these objectivescan be
dicapai secara efektif dan efisien. Pedoman dan tata tertib kerja achieved effectively and efficiently. The guidelinesand work
Dewan Komisaris ini diharapkan dapat menjadi panduan Dewan rules of the Board of Commissioners are expectedto guide the
Komisaris dalam melaksanakan tugas dan wewenangnya, yaitu Board of Commissioners in carrying out itsduties and authorities,
pengawasan Bank yang didasari pada prinsip Tata Kelola yang namely supervision of the Bankbased on the principles of Good
baik (Good Corporate Governance). Corporate Governance.
PEDOMAN TATA LAKSANA KERJA DEWAN BOARD OF COMMISSIONERS CHARTER
KOMISARIS
Dewan Komisaris telah memiliki Pedoman Tata Laksana Kerja The Board of Commissioners has a Board Charter asoutlined
(Board Charter) yang dituangkan dalam Surat Keputusan No. in Decree No. 0006.05.0 dated December 28, 2023
0006.05.0 tanggal 28 Desember 2023 sebagai pedoman as a guideline in carrying out its supervisory dutiesand
dalam menjalankan tugas dan tanggung jawab pelaksanaan responsibilities. In addition, the Board of Commissioners also
fungsi pengawasan. Selain itu, Dewan Komisaris juga mengacu refers to other guidelines such as:
pada pedoman lainnya seperti:
1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 on Limited Liability Companies
Terbatas sebagaimana telah diubah sebagian dengan aspartially amended by Law No. 11 of 2020 on Job
Undang-Undang No. 11 Tahun 2020 tentang Cipta Kerja Creationand Law No. 6 of 2023 on the Stipulation of
dan UU No. 6 Tahun 2023 tentang Penetapan peraturan Government Regulation in Lieu of Law No. 2 of 2022 on
Pemerintah Pengganti UU No. 2 Tahun 2022 tentang Job Creationinto Law;
Cipta Kerja menjadi Undang-Undang;
2. Undang-Undang No. 7 Tahun 1992 tentang Perbankan 2. Law No. 7 of 1992 on Banking as amended by Law No. 10
sebagaimana telah diubah dengan Undang-Undang No. of 1998 and as partially amended by Law No. 11 of 2020
10 Tahun 1998 dan sebagaimana telah diubah sebagian on Job Creation and Law No. 6 of 2023 on Stipulating
dengan Undang-Undang No. 11 Tahun 2020 tentang Government regulations in lieu of Law No. 2 of 2022 on
Cipta Kerja dan UU No. 6 Tahun 2023 tentang Penetapan Job Creation into Law;
peraturan Pemerintah Pengganti UU No. 2 Tahun 2022
tentang Cipta Kerja menjadi Undang-Undang;
3. Un da n g- Un da n g N o. 4 Ta h un 2023 te nta n g 3. Law No. 4 of 2023 on Financial Sector Development and
Pengembangan dan Penguatan Sektor Keuangan; Strengthening;
4. Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021 4. Financial Services Authority Regulation No. 12/
tentang Bank Umum; POJK.03/2021 on Commercial Banks;
5. Peraturan Otoritas Jasa Keuangan No. 33/POJK.04/2014 5. Financial Services Authority Regulation No. 33/
tentang Direksi dan Dewan Komisaris Emiten dan POJK.04/2014 on the Board of Directors and Board of
Perusahaan Publik; Commissioners of Issuers and Public Companies;
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6. Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 6. Financial Services Authority Regulation No. 27/
tentang Penilaian Kemampuan dan Kepatutan bagi Pihak POJK.03/2016 regarding Capability and Appropriateness
Utama Lembaga Jasa Keuangan; Assessment for Main Parties of Financial Services
Institutions;
7. Surat Edaran Otoritas Jasa Keuangan No. 39/ 7. Circular Letter of the Financial Services Authority No. 39/
SEOJK.03/2016 tentang Penilaian Kemampuan dan SEOJK.03/2016 regarding Fit and Proper Assessment
Kepatutan bagi Calon Pemegang Saham Pengendali, for Prospective Controlling Shareholders, Prospective
Calon Anggota Direksi, dan Calon Anggota Dewan Members of the Board of Directors, and Prospective
Komisaris Bank; Members of the Board of Commissioners of Banks;
8. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 8. Financial Services Authority Regulation No. 17 of
tentang Penerapan Tata Kelola bagi Bank Umum; 2023 concerning Implementation of Governance for
Commercial Banks;
9. Surat Edaran Otoritas Jasa Keuangan No. 13/ 9. Circular Letter of the Financial Services Authority No. 13/
SEOJK.03/2017 tentang Penerapan Tata Kelola Bank SEOJK.03/2017 on the Implementation of Corporate
Umum; dan Governance of Commercial Banks; and
10. Anggaran Dasar PT Bank Artha Graha Internasional Tbk. 10. Articles of Association of Bank Artha Graha Internasional.
KETENTUAN MASA JABATAN TERM OF OFFICE PROVISIONS
Masa jabatan anggota Dewan Komisaris ditetapkan selama 3 The term of office of a member of the Board of Commissioners
(tiga) tahun dan dapat diangkat kembali berdasarkan keputusan is set for three years and may be reappointed based on a GMS
RUPS. Namun, masa jabatan anggota Dewan Komisaris akan resolution. However, the term of office of a member of the
berakhir dengan sendirinya apabila anggota Dewan Komisaris Board of Commissioners will automatically end if the member
tersebut: of the Board of Commissioners:
1. Mengundurkan diri dengan pemberitahuan secara tertulis; 1. Resigns with written notice;
2. Tidak lagi memenuhi persyaratan perunndang-undangan 2. No longer meets the requirements of the applicable
yang berlaku; legislation;
3. Meninggal dunia; 3. Passed away;
4. Diberhentikan berdasarkan keputusan RUPS; dan 4. Is dismissed by resolution of the GMS; and
5. Dinyatakan pailit atau ditaruh di bawah pengampuan 5. Is declared bankrupt or placed under guardianship based
berdasarkan suatu penetapan pengadilan. on a court decision.
KOMPOSISI DEWAN KOMISARIS BOARD OF COMMISSIONERS COMPOSITION
Tahun 2024, komposisi Dewan Komisaris Bank Artha Graha In 2024, the composition of the Board of Commissioners of
Internasional tidak mengalami perubahan sesuai keputusan Bank Artha Graha Internasional changed in accordancewith
RUPS Tahunan Tahun 2024 yang diselenggarakan pada 26 the resolution of the 2024 Annual GMS held on June 26, 2024,
Juni 2024, sehingga komposisi Dewan Komisaris Bank tetap and the composition of the Bank’s Board of Commissioners is
menjadi sebagai berikut: as follows:
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Nama Jabatan Dasar Pengangkatan Periode
Name Position Basis of Appointment Periode
Kiki Syahnakri Komisaris Utama/ 1. Akta Pernyataan Keputusan Rapat No. 26 tanggal 12 Juni 2005; 2023-2026
Komisaris Independen
2. Akta Pernyataan Keputusan Rapat No. 05 tanggal 04 Juli 2008;
President Commissioner/
3. Akta Pernyataan Keputusan Rapat No. 16 tanggal 10 Juni 2011;
Independent
Commissioner 4. Akta Pernyataan Keputusan Rapat No. 8 tanggal 3 Juni 2014;
5. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017;
6. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020; dan
7. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023.
1. Deed of Meeting Resolution No. 26 dated June 12, 2005;
2. Deed of Meeting Resolution No. 05 dated July 4, 2008;
3. Deed of Meeting Resolution No. 16 dated June 10, 2011;
4. Deed of Meeting Resolution No. 8 dated June 3, 2014;
5. Deed of Meeting Resolution No. 20 dated June 16, 2017;
6. Deed of Meeting Resolution No. 7 dated October 5, 2020; and
7. Deed of Meeting Resolution No. 16 dated July 17, 2023.
Tomy Winata Wakil Komisaris Utama 1. Akta Pernyataan Keputusan Rapat No. 26 tanggal 12 Juni 2005; 2023-2026
Vice President 2. Akta Pernyataan Keputusan Rapat No. 05 tanggal 04 Juli 2008;
Commissioner
3. Akta Pernyataan Keputusan Rapat No. 16 tanggal 10 Juni 2011;
4. Akta Pernyataan Keputusan Rapat No. 8 tanggal 3 Juni 2014;
5. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017;
6. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020; dan
7. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023.
1. Deed of Meeting Resolution No. 26 dated June 12, 2005;
2. Deed of Meeting Resolution No. 05 dated July 4, 2008;
3. Deed of Meeting Resolution No. 16 dated June 10, 2011;
4. Deed of Meeting Resolution No. 8 dated June 3, 2014;
5. Deed of Meeting Resolution No. 20 dated June 16, 2017;
6. Deed of Meeting Resolution No. 7 dated October 5, 2020; and
7. Deed of Meeting Resolution No. 16 dated July 17, 2023.
Sugianto Kusuma Wakil Komisaris Utama 1. Akta Pernyataan Keputusan Rapat No. 26 tanggal 12 Juni 2005; 2023-2026
Vice President 2. Akta Pernyataan Keputusan Rapat No. 05 tanggal 04 Juli 2008;
Commissioner
3. Akta Pernyataan Keputusan Rapat No. 16 tanggal 10 Juni 2011;
4. Akta Pernyataan Keputusan Rapat No. 8 tanggal 3 Juni 2014;
5. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017;
6. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020; dan
7. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023.
1. Deed of Meeting Resolution No. 26 dated June 12, 2005;
2. Deed of Meeting Resolution No. 05 dated July 4, 2008;
3. Deed of Meeting Resolution No. 16 dated June 10, 2011;
4. Deed of Meeting Resolution No. 8 dated June 3, 2014;
5. Deed of Meeting Resolution No. 20 dated June 16, 2017;
6. Deed of Meeting Resolution No. 7 dated October 5, 2020; and
7. Deed of Meeting Resolution No. 16 dated July 17, 2023.
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Nama Jabatan Dasar Pengangkatan Periode
Name Position Basis of Appointment Periode
Elizawatie Simon Komisaris Independen 1. Akta Pernyataan Keputusan Rapat No.9 tanggal 4 Juli 2019; dan 2022-2025
Independent 2. Akta Pernyataan Keputusan Rapat No. 253 tanggal 25 Juli 2022.
Commissioner
1. Deed of Meeting Resolution No. 9 dated July 4, 2019; and
2. Deed of Meeting Resolution No. 253 dated July 25, 2022.
Pesta Uli Komisaris Independen 1. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023; 2023-2026
Sitanggang
Independent 1. Deed of Meeting Resolution No. 16 dated July 17, 2023
Commissioner
PENILAIAN KEMAMPUAN DAN KEPATUTAN FIT AND PROPER ASSESSMENT
Calon anggota Dewan Komisaris wajib memperoleh persetujuan Prospective members of the Board of Commissioners must
dari Otoritas Jasa Keuangan sebelum menjalankan tindakan, obtain approval from the Financial Services Authority before
tugas, dan fungsinya sebagai Dewan Komisaris. Dalam hal carrying out their actions, duties and functions as the Board
ini, seluruh anggota Dewan Komisaris harus memenuhi of Commissioners. In this case, all members of the Board
persyaratan telah lulus penilaian uji kemampuan dan kepatutan of Commissioners must meet the requirements of having
sesuai dengan ketentuan yang disyaratkan oleh Regulator passed the fit and proper test assessment in accordance with
sebagaimana yang diatur dalam Peraturan Otoritas Jasa the provisions required by the Regulator as stipulated in the
Keuangan No. 27/POJK.03/2016 tentang Penilaian Kemampuan Financial Services Authority Regulation No. 27/POJK.03/2016
dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan. concerning Fit and Proper Assessment for Main Parties of
Financial Services Institutions.
Tabel berikut menjelaskan persetujuan dari Otoritas Jasa The following table sets out the approvals from the Financial
Keuangan dan Bank Indonesia terhadap anggota Komisaris Services Authority and Bank Indonesia of the Bank’s
Bank: Commissioners:
Tanggal
Nama Jabatan Penyelenggara Kelulusan No. Surat
Name Position Organizer Date of Letter No.
Completion
Komisaris Utama/
Surat Bank Indonesia
Komisaris
Independen 12 Februari 2013 No.15/29/GBI/DPIP/Rahasia
Kiki Syahnakri Bank Indonesia
Commissioner/ February 12, 2013 Bank Indonesia Letter
Independent
No. 15/29/GBI/DPIP/Rahasia
Commissioner
Surat Bank Indonesia
Wakil Komisaris
Utama 15 Juni 2005 No. 7/19/GBI/DPIP/Rahasia
Tomy Winata Bank Indonesia
Vice President June 15, 2005 Bank Indonesia Letter
Commissioner
No. 7/19/GBI/DPIP/Rahasia
Surat Bank Indonesia
Wakil Komisaris
Utama 15 Juni 2005 No. 7/19/GBI/DPIP/Rahasia
Sugianto Kusuma Bank Indonesia
Vice President June 15, 2005 Bank Indonesia Letter
Commissioner
No. 7/19/GBI/DPIP/Rahasia
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Tanggal
Nama Jabatan Penyelenggara Kelulusan No. Surat
Name Position Organizer Date of Letter No.
Completion
Surat Otoritas Jasa Keuangan
Komisaris
Otoritas Jasa Keuangan
Independen 20 April 2022 No. SR-72/PB.12/2022
Elizawatie Simon Financial Services
Independent April 20, 2022 Financial Services Authority Letter
Authority
Commissioner
No. SR-72/PB.12/2022
Surat Otoritas Jasa Keuangan
Komisaris
Otoritas Jasa Keuangan
Independen 8 November 2023 No. SR-252/PB.02/2023
Pesta Uli Sitanggang Financial Services
Independent November 8, 2023 Financial Services Authority Letter
Authority
Commissioner
No. SR-252/PB.02/2023
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATION
Dewan Komisaris Bank wajib memiliki Sertifikat Manajemen Members of the Bank’s Board of Commissioners are required
Risiko jenjang 6 sebagaimana yang diatur dalam Surat Edaran to hold a Level 6 Risk Management Certificate as stipulated in
Otoritas Jasa Keuangan No. 28/SEOJK.03/2022. Sertifikat the Circular Letter of the Financial Services Authority No. 28/
tersebut menjadi salah satu indikator dalam penilaian fit and SEOJK.03/2022. This certificate serves as one of the indicators
proper test yang harus dijalani oleh Dewan Komisaris yang in the fit and proper test assessment that must be undertaken
akan menjabat. by incoming members of the Board of Commissioners.
Pada tahun 2024, sebagian besar anggota Dewan Komisaris As of 2024, the majority of the members of the Board of
Bank Artha Graha Internasional telah memenuhi ketentuan Commissioners of Bank Artha Graha Internasional have
tersebut dan yang belum memiliki Sertifikat Manajemen Risiko complied with this requirement, while those who have not
akan segera dilakukan pemenuhan sertifikasi sesuai dengan yet obtained the Risk Management Certificate will undergo
ketentuan regulator. certification in accordance with applicable regulatory provisions.
KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONER
Sebagaimana diatur dalam SEOJK No. 13/SEOJK.03/2017 As stipulated in SEOJK No. 13/SEOJK.03/2017 concerning
tentang Penerapan Tata Kelola bagi Bank Umum, dalam the implementation of governance for commercial banks, the
penerapan Tata Kelola, diperlukan keberadaan Komisaris presence of Independent Commissioners and Independent
Independen dan Pihak Independen untuk menghindari Parties is essential in the application of Good Corporate
benturan kepentingan (conflict of interest) dalam pelaksanaan Governance to avoid conflicts of interest in the execution of
tugas seluruh tingkatan atau jenjang organisasi Bank, check duties at all levels of the Bank’s organization, ensure checks and
and balance, serta melindungi kepentingan Pemangku balances, and protect the interests of stakeholders, particularly
Kepentingan khususnya pemilik dana dan Pemegang Saham fund owners and non-controlling shareholders. Furthermore,
non-pengendali. Lebih lanjut didalam POJK No. 17 tahun 2023 POJK No. 17 of 2023 on the Implementation of Governance
tentang Penerapan Tata Kelola Bagi Bank Umum, diperlukan for Commercial Banks requires the presence of Independent
keberadaan Komisaris Independen dan Pihak Independen untuk Commissioners and Independent Parties to foster a more
mendorong terciptanya iklim dan lingkungan kerja yang lebih objective working environment that upholds fairness and
obyektif dan menempatkan kewajaran (fairness) dan kesetaraan equality among various interests, including those of minority
diantara berbagai kepentingan termasuk kepentingan shareholders and stakeholders. To support independence in
pemegang saham minoritas dan Pemangku Kepentingan. the execution of such duties, provisions regarding a cooling-off
Untuk mendukung independensi dalam pelaksanaan tugas period for individuals designated as Independent Parties are
dimaksud, perlu pengaturan mengenai masa tunggu (cooling also regulated.
off) bagi pihak yang akan menjadi Pihak Independen.
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Selanjutnya diatur ketentuan tentang Komisaris Independen The regulation further stipulates that at least 50% (fifty percent)
yang ditetapkan paling sedikit 50% (lima puluh persen) dari of the total members of the Board of Commissioners must be
jumlah anggota Dewan Komisaris. Independent Commissioners.
Komisaris Independen adalah anggota Dewan Komisaris yang An Independent Commissioner is a member of the Board of
tidak memiliki hubungan keuangan, hubungan kepengurusan, Commissioners who has no financial, management, ownership,
hubungan kepemilikan, dan/atau hubungan keluarga dengan and/or family relationship with any member of the Board of
anggota Direksi, anggota Dewan Komisaris lain, dan/atau Directors, other members of the Board of Commissioners, and/
Pemegang Saham Pengendali, atau hubungan dengan Bank or the Controlling Shareholder, or any relationship with the
yang dapat memengaruhi kemampuan untuk bertindak Bank that could affect their ability to act independently.
independen.
Bank Artha Graha Internasional memiliki 3 (tiga) orang Komisaris Bank Artha Graha Internasional has 3 (three) Independent
Independen dari 5 (lima) Anggota dewan Komisaris, yang Commissioners out of a total of 5 (five) members of the
berarti lebih dari 50% dari seluruh anggota Dewan Komisaris Board of Commissioners, representing more than 50% of
dan telah memenuhi ketentuan tersebut. the total membership, thereby complying with the applicable
requirements.
Pernyataan Independensi Komisaris Independen Independence Statement of Independent
Commissioners
Masing-masing Komisaris Independen Bank telah membuat Each of the Bank’s Independent Commissioners has
Surat Pernyataan Independensi sesuai dengan aspek madea Statement of Independence in accordance with the
independensi yang mengacu pada ketentuan POJK No. 33/ independence aspects referring to the provisions of POJK No.
POJK.04/2014 pasal 25 ayat 1 tentang Direksi dan Dewan 33/POJK.04/2014 article 25 paragraph 1 concerning Directors
Komisaris Emiten atau Perusahaan Publik. and Board of Commissioners of Issuers or Public Companies.
Kriteria Penentuan Komisaris Independen Independent Commissioners Criteria
Peraturan OJK No. 33/PJK.04/2014 tentang Direksi dan Dewan OJK Regulation No. 33/POJK.04/2014 on the Board of Directors
Komisaris Emiten atau Perusahaan Publik mengatur persyaratan and Board of Commissioners of Issuers or Public Companies
pengangkatan anggota Direksi dan Dewan Komisaris Emiten regulates the requirements for the appointment of members of
atau Perusahaan Publik. Dalam hal ini, persyaratan diangkatnya the Board of Directors and Board of Commissioners of Issuers or
anggota Dewan Komisaris Independen minimal sama dengan Public Companies. In this case, the requirements for appointing
persyaratan untuk mengangkat anggota Dewan Komisaris an independent member of the Board of Commissioners are
non-Independen ditambah dengan beberapa aturan lain di at least the same as the requirements for appointing a non-
antaranya terkait independensi sebagaimana yang dijelaskan independent member of the Board of Commissioners plus
pada tabel berikut ini: several other rules including those related to independence as
described in the following table:
Komisaris Independen
Kriteria Independent Commissioner
Criteria Pesta Uli
Kiki Syahnakri Elizawatie Simon
Sitanggang
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 √ √ √
Not a person who works or has the authority and responsibility to plan, lead,
control, or supervise the activities of the Issuer or Public Company within the
last 6 (six) months, except for reappointment as Independent Commissioner
of the Issuer or Public Company in the following period.
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Komisaris Independen
Kriteria Independent Commissioner
Criteria Pesta Uli
Kiki Syahnakri Elizawatie Simon
Sitanggang
Tidak mempunyai saham baik langsung maupun tidak langsung pada
Emiten atau Perusahaan Publik tersebut
Has no affiliation with the Issuer or Public Company, members of the Board of √ √ √
Commissioners, members of the Board of Directors, or Major Shareholders of
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
Has no affiliation with the Issuer or Public Company, members of the √ √ √
Board of Commissioners, members of the Board of Directors, or the Major
Shareholders of the said Issuer or Public Company.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung
yang berkaitan dengan kegiatan usaha Emiten atau Perusahaan Publik
tersebut
√ √ √
Has no direct or indirect business relationship related to the business activities
of the Issuer or Public Company
TUGAS DAN TANGGUNG JAWAB DEWAN DUTIES AND RESPONSIBILITIES OF BOARD
KOMISARIS OF COMMISSIONERS
Berdasarkan Pedoman Dewan Komisaris, tugas dan tanggung Based on the Board of Commissioners Charter, the duties and
jawab Dewan Komisaris adalah sebagai berikut: responsibilities of the Board of Commissioners are as follows:
1. Dewan Komisaris bertugas melakukan pengawasan 1. The Board of Commissioners is tasked with supervising and
dan bertanggung jawab atas pengawasan terhadap is responsible for overseeing the policies of the Board of
kebijakan Direksi, jalannya pengurusan pada umumnya Directors, the overall management of the Company and its
baik mengenai Perseroan maupun usaha Perseroan dan business, and providing advice to the Board of Directors.
memberikan nasihat kepada Direksi. 2. Under certain circumstances, the Board of Commissioners
2. Dalam kondisi tertentu, Dewan Komisaris wajib is required to convene the Annual GMS and other GMS
menyelenggarakan RUPS tahunan dan RUPS lainnya meetings in accordance with its authority as stipulated
sesuai dengan kewenangannya sebagaimana diatur dalam in the prevailing laws and regulations and the Articles of
peraturan perundang-undangan dan anggaran dasar. Association.
3. Dewan Komisaris wajib melaksanakan tugas, wewenang, 3. The Board of Commissioners must carry out its duties,
dan tanggung jawab dengan itikad baik dan dengan authorities, and responsibilities in good faith and with due
prinsip kehati-hatian. care.
4. Direksi wajib untuk memberikan penjelasan tentang segala 4. The Board of Directors is required to provide explanations
hal yang berkenaan dengan Perseroan yang ditanyakan regarding all matters related to the Company as requested
oleh anggota Dewan Komisaris untuk melaksanakan tugas by members of the Board of Commissioners for the purpose
mereka. of carrying out their duties.
5. Dalam melakukan pengawasan, Dewan Komisaris wajib 5. In carrying out its supervisory function, the Board of
mengarahkan, memantau, dan mengevaluasi pelaksanaan Commissioners must direct, monitor, and evaluate the
tata kelola, manajemen risiko, dan kepatuhan secara implementation of governance, risk management, and
terintegrasi serta kebijakan strategis Bank, sesuai dengan compliance in an integrated manner, as well as the Bank’s
ketentuan peraturan perundang-undangan, anggaran strategic policies, in accordance with the provisions of the
dasar, dan/atau keputusan RUPS. applicable laws and regulations, Articles of Association,
and/or GMS resolutions.
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6. Dewan Komisaris menerima dan melaksanakan kewenangan 6. The Board of Commissioners receives and exercises the
yang diserahkan dan/atau diberikan kepada Dewan authorities delegated and/or granted to it in accordance with
Komisaris sesuai dengan ketentuan peraturan perundang- the prevailing laws and regulations, Articles of Association,
undangan, anggaran dasar, dan/atau keputusan RUPS. and/or GMS resolutions.
7. Dewan Komisaris dapat melaksanakan tugas dan 7. The Board of Commissioners may perform other supervisory
kewenangan pengawasan lain. duties and authorities.
8. Dalam melaksanakan pengawasan, Dewan Komisaris 8. In performing its supervisory duties, the Board of
dilarang ikut serta dalam pengambilan keputusan kegiatan Commissioners is prohibited from participating in decision-
operasional Bank, kecuali: making related to the Bank’s operational activities, except for:
a. Penyediaan dana kepada pihak terkait sesuai dengan a. The provision of funds to related parties in accordance
Peraturan Otoritas Jasa Keuangan mengenai batas with the Financial Services Authority Regulation on the
maksimum pemberian kredit dan penyediaan dana legal lending limit and large exposures for commercial
besar bagi bank umum dan Peraturan Otoritas Jasa banks and Islamic commercial banks;
Keuangan mengenai batas maksimum penyaluran dana
dan penyaluran dana besar bagi bank umum syariah;
b. Hal lain yang ditetapkan dalam Anggaran Dasar Bank b. Other matters as stipulated in the Bank’s Articles of
atau peraturan ketentuan perundang-undangan. Association or other applicable laws and regulations.
9. Pengambilan keputusan kegiatan operasional Bank oleh 9. The involvement of the Board of Commissioners in the
Dewan Komisaris sebagaimana dimaksud pada poin 6 decision-making of the Bank’s operational activities as
(enam) merupakan bagian dari tugas pengawasan oleh referred to in point 6 (six) constitutes part of its supervisory
Dewan Komisaris sehingga tidak meniadakan tanggung function and does not remove the Board of Directors’
jawab Direksi atas pelaksanaan kepengurusan Bank. responsibility for managing the Bank.
10. Dewan Komisaris wajib melakukan pengawasan terhadap 10. The Board of Commissioners must supervise the follow-up
tindak lanjut Direksi atas temuan audit atau pemeriksaan actions taken by the Board of Directors in response to audit
dan rekomendasi dari satuan kerja audit intern Bank, auditor findings or reviews and recommendations from the Bank’s
ekstern, hasil pengawasan Otoritas Jasa Keuangan, dan/ internal audit unit, external auditors, the Financial Services
atau hasil pengawasan otoritas dan lembaga lain. Authority, and/or other supervisory authorities or institutions.
11. Dewan Komisaris wajib melaporkan kepada Otoritas Jasa 11. The Board of Commissioners must report to the Financial
Keuangan paling lama 5 (lima) hari sejak ditemukan: Services Authority no later than 5 (five) days after discovering:
a. Pelanggaran ketentuan peraturan perundang-undangan a. Violations of laws and regulations in the financial or
di bidang keuangan, perbankan, dan yang terkait dengan banking sectors or those related to the Bank’s business
kegiatan usaha Bank; dan/atau activities; and/or
b. Keadaan atau perkiraan keadaan yang dapat b. Circumstances or potential circumstances that may
membahayakan kelangsungan usaha Bank. jeopardize the Bank’s business continuity.
12. Dewan Komisaris wajib memiliki pedoman dan tata tertib 12. The Board of Commissioners is required to have a code of
kerja yang bersifat mengikat bagi setiap anggota Dewan conduct and working guidelines that are binding for every
Komisaris. member of the Board of Commissioners.
13. Pedoman dan tata tertib kerja paling sedikit wajib 13. The code of conduct and working guidelines must at least
mencantumkan: include:
a. Tugas, tanggung jawab, dan wewenang Dewan a. Duties, responsibilities, and authorities of the Board of
Komisaris; Commissioners;
b. Pengaturan kewenangan dan prosedur keputusan b. Procedures and authority of the Board of Commissioners
Dewan Komisaris; in decision-making;
c. Pengaturan etika kerja Dewan Komisaris; c. Work ethics of the Board of Commissioners;
d. Pengaturan rapat Dewan Komisaris; d. Rules for the Board of Commissioners’ meetings;
e. Larangan terhadap Dewan Komisaris; e. Prohibitions applicable to the Board of Commissioners;
f. Evaluasi terhadap Dewan Komisaris; dan f. Evaluation of the Board of Commissioners; and
g. Pola hubungan kerja Dewan Komisaris dan Direksi. g. Working relationship framework between the Board of
Commissioners and the Board of Directors.
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14. Dewan Komisaris dengan suara terbanyak, setiap waktu 14. The Board of Commissioners, by majority vote, is entitled to
berhak memberhentikan untuk sementara seorang atau temporarily dismiss one or more members of the Board of
lebih anggota Direksi dari jabatannya, apabila anggota Directors at any time if the said members act contrary to the
Direksi tersebut bertindak bertentangan dengan Anggaran Articles of Association and applicable laws and regulations,
Dasar dan peraturan perundang-undangan yang berlaku or if they are deemed detrimental to the Company’s
atau merugikan maksud dan tujuan Perseroan atau purposes and objectives or neglect their obligations.
melalaikan kewajibannya.
15. Pemberhentian sementara itu wajib diberitahukan secara 15. The temporary dismissal must be notified in writing to the
tertulis kepada yang bersangkutan, disertai alasannya. concerned party along with the reasons.
16. Dalam jangka waktu 90 (Sembilan puluh) hari setelah 16. Within 90 (ninety) days of the date of the temporary
tanggal pemberhentian sementara itu, Dewan Komisaris dismissal, the Board of Commissioners must convene
wajib untuk menyelenggarakan RUPS untuk mencabut a GMS to revoke or confirm the temporary dismissal.
atau menguatkan pemberhentian sementara tersebut, The temporarily dismissed Director must be given the
sedangkan anggota Direksi yang diberhentikan sementara opportunity to be present and defend themselves. If the
itu diberi kesempatan untuk hadir guna membela diri. GMS is unable to reach a resolution or is not held within
Dalam hal RUPS tidak dapat mengambil keputusan atau the 90 (ninety) day period, the temporary dismissal shall
setelah lewatnya jangka waktu 90 (Sembilan puluh) hari become null and void.
tersebut RUPS tidak diselenggarakan, maka perberhentian
sementara tersebut menjadi batal.
17. Dewan Komisaris wajib menyediakan waktu untuk 17. The Board of Commissioners must allocate sufficient
melaksanakan tugas dan tanggung jawab secara optimal time to optimally perform its duties and responsibilities
sesuai dengan pedoman dan tata tertib kerja. in accordance with the code of conduct and working
guidelines.
18. Dewan Komisaris wajib menjaga segala data dan informasi 18. The Board of Commissioners must safeguard all data and
terkait Bank yang disampaikan oleh Direksi, dan sesuai information related to the Bank as submitted by the Board
dengan ketentuan peraturan perundang-undangan. of Directors and in accordance with the applicable laws
and regulations.
RAPAT DEWAN KOMISARIS BOARD OF COMMISSIONERS MEETINGS
Sesuai POJK No. 33/POJK.04/2014 tentang Direksi dan Dewan In accordance with POJK No. 33/POJK.04/2014 concerningthe
Komisaris Emiten atau Perusahaan Publik, Dewan Komisaris Board of Directors and Board of Commissioners ofIssuers or
wajib mengadakan rapat paling kurang 1 (satu) kali dalam 2 Public Companies, the Board of Commissionersmust hold a
(dua) bulan. Selain itu, Dewan Komisaris juga wajib mengadakan meeting at least 1 (one) time in 2 (two) months.In addition, the
rapat bersama Direksi paling kurang 1 (satu) kali dalam 4 (empat) Board of Commissioners is also required tohold a joint meeting
bulan. with the Board of Directors at least 1(one) time in 4 (four) months.
Rapat Dewan Komisaris Rapat Bersama Direksi
Board of Commissioners Meeting Joint Meeting with Board of Directors
Nama
Name Jumlah Rapat Jumlah Rapat
Kehadiran Kehadiran
Number of % Number of %
Attendance Attendance
Meetings Meetings
Kiki Syahnakri 14 14 100 14 14 100
Tomy Winata 14 2 14,29 14 2 14,29
Sugianto Kusuma 14 2 14,29 14 2 14,29
Elizawatie Simon 14 14 100 14 14 100
Pesta Uli Sitanggang 14 14 100 14 14 100
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PROGRAM PELATIHAN DEWAN KOMISARIS BOARD OF COMMISSIONERS TRAINING
PROGRAM
Bank memberikan kesempatan kepada Dewan Komisaris untuk The Bank provides opportunities for the Board of Commissioners
dapat mengembangkan dan meningkatkan kompetensi diri to develop and improve their competencies through training
melalui pelatihan dan sertifikasi, maupun program peningkatan and certification, as well as other competency improvement
kompetensi lainnya seperti seminar dan workshop. programs such as seminars and workshops.
Berikut disampaikan pelatihan pendidikan dan/atau peningkatan The following are the educational training programs and/
kompetensi yang diikuti Dewan Komisaris di sepanjang tahun or competency developments attended by the Board of
2024 Commissioners throughout 2024.
Materi Pendidikan dan
Peserta Jenis Pelatihan Pelatihan Tanggal Penyelenggara
Participants Type of Training Education and Training Date Organizer
Materials
Pembekalan Sertifikasi
Pelatihan Manajemen Risiko Jenjang 6 15 Agustus 2024 Banker Association for Risk
Training Risk Management Certification August 15, 2024 Management (BARa)
Level 6 Briefing
Kiki Syahnakri
Ujian Sertifikasi Manajemen
Sertifikasi Risiko Jenjang 6 16 Agustus 2024 Lembaga Sertifikasi Profesi
Certification Risk Management Certification August 16, 2024 Perbankan (LSPP)
Level 6 Examination
Ujian Sertifikasi Manajemen
Sertifikasi Risiko Jenjang 7 26 April 2024 Lembaga Sertifikasi Profesi
Certification Risk Management Certification April 26, 2024 Perbankan (LSPP)
Level 7 Examination
Penyelarasan Sertifikasi
Elizawatie Simon Pelatihan Manajemen Risiko jenjang 7 30-31 Mei 2024 Banker Association for Risk
Training Alignment of Risk Management May 30-31, 2024 Management (BARa)
Certification Level 7
Pelatihan 11-12 Desember 2024
The 19th Indonesia HR EXPO INTIPESAN Conference
Training December 11-12, 2024
Pembekalan Sertifikasi
Pelatihan Manajemen Risiko Jenjang 6 28-29 Februari 2024 Lembaga Pengembangan
Training Risk Management Certification February 28-29, 2024 Perbankan Indonesia (LPPI)
Level 6 Briefing
Pesta Uli Ujian Sertifikasi Manajemen
Sitanggang Sertifikasi Risiko Jenjang 6 19 Maret 2024 Lembaga Sertifikasi Profesi
Certification Risk Management Certification March 19, 2024 Perbankan (LSPP)
Level 6 Examination
Pelatihan 11-12 Desember 2024
The 19th Indonesia HR EXPO INTIPESAN Conference
Training December 11-12, 2024
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Program Pengenalan Perusahaan bagi Komisaris Company Introduction Program for New
Baru Commissioners
Dalam hal pengangkatan Komisaris baru, Bank memastikan In the event of the appointment of a new Commissioner,the
Komisaris memahami tugas dan tanggung jawabnya dan Bank ensures that the Commissioner understands his/her
memberikan informasi kepada pihak terkait agar mendapatkan duties and responsibilities and provides informationto relevant
pemahaman lebih tentang Bank Artha Graha Internasional parties in order to gain a better understandingof Bank Artha
guna mendukung pelaksanaan tugas dan tanggung jawabnya. Graha Internasional to support theimplementation of his/her
duties and responsibilities.
K E P U T U S A N , R E KO M E N DA S I , DA N RESOLUTIONS, RECOMMENDATIONS, AND
PELAKSANAAN TUGAS DEWAN KOMISARIS IMPLEMENTATION OF DUTIES OF THE BOARD
OF COMMISSIONERS
Selama tahun 2024, Dewan Komisaris Bank Artha Graha Throughout 2024, the Board of Commissioners of PT Bank
Internasional telah mengambil beberapa keputusan yaitu: Artha Graha Internasional Tbk has made the following
resolutions:
1. Menunjuk Bapak Kiki Syahnakri selaku Komisaris Utama/ 1. Appointed Mr. Kiki Syahnakri as President Commissioner/
Independen untuk memimpin RUPS; Independent Commissioner to chair the General Meeting
of Shareholders (GMS);
2. Mengangkat kembali anggota Direksi Perseroan yaitu Ibu 2. Reappointed members of the Board of Directors of
Christina Harapan selaku Wakil Direktur Utama; the Company, including Ms. Christina Harapan as Vice
President Director;
3. Menunjuk kembali Kantor Akuntan Publik Kanaka 3. Reappointed the Public Accounting Firm Kanaka
Puradiredja, Suhartono sebagai kantor akuntan dan/atau Puradiredja, Suhartono as the public accountant and/or
kantor akuntan publik pengganti yang terdaftar pada OJK, substitute public accountant registered with the Financial
yang akan mengaudit buku- buku Bank untuk tahun buku Services Authority (OJK), to audit the Bank’s financial
yang berakhir tanggal 31 Desember 2024; dan statements for the fiscal year ending December 31, 2024;
4. Menyetujui Perubahan Anggaran Dasar Perseroan dalam 4. Approved the amendment of the Company’s Articles of
rangka Penyesuaian dengan POJK Nomor 17 tahun 2023 Association to align with Financial Services Authority
tentang Penerapan Tata Kelola bagi Bank Umum. Regulation (POJK) No. 17 of 2023 concerning the
Implementation of Governance for Commercial Banks.
MEKANISME PENGUNDURAN DIRI DAN M E C H A N I S M F O R R E S I G N AT I O N
PEMBERHENTIAN DEWAN KOMISARIS AND DISMIS SAL OF THE BOARD OF
COMMISSIONERS
Sebagaimana yang telah diatur dalam Pedoman dan Tata Tertib As stipulated in the Guidelines and Code of Conduct of the
Kerja Dewan Komisaris Bank, ketentuan terkait pengunduran Board of Commissioners of PT Bank Artha Graha Internasional
diri dan pemberhentian Dewan Komisaris Bank Artha Graha Tbk, the provisions related to the resignation and dismissal of
Internasional adalah sebagai berikut: the Board of Commissioners are as follows:
1. Seorang anggota Dewan Komisaris berhak mengundurkan 1. A member of the Board of Commissioners has the right to
diri dari jabatannya dan wajib menyampaikan permohonan resign from their position and must submit a resignation
pengunduran diri kepada Bank mengenai maksud tersebut request to the Bank at least 90 days before the intended
sedikitnya 90 (sembilan puluh) hari sebelum tanggal resignation date;
pengunduran dirinya;
2. Bank wajib menyelenggarakan RUPS untuk memutuskan 2. The Bank is required to hold a General Meeting of
permohonan pengunduran diri anggota Dewan Komisaris Shareholders (GMS) to decide on the resignation request
dalam jangka waktu paling lambat 90 (sembilan puluh) within a maximum period of 90 days after receiving the
hari setelah diterimanya surat pengunduran diri tersebut. resignation letter. A resigning member of the Board of
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Dewan Komisaris yang mengundurkan diri tetap dapat Commissioners remains accountable for their duties from
dimintakan pertanggungjawabannya sejak tanggal the date of their appointment until their resignation at the
pengangkatan sampai dengan pengunduran dirinya GMS;
dalam RUPS;
3. Bank wajib melakukan keterbukaan informasi kepada 3. The Bank must provide transparency to the public and
masyarakat dan menyampaikan kepada Otoritas Jasa notify the Financial Services Authority (OJK) regarding the
Keuangan terkait pengunduran diri sesuai dengan resignation in accordance with applicable capital market
peraturan perundang-undangan yang berlaku di pasar regulations;
modal; dan
4. RUPS dapat mengangkat orang lain untuk mengisi jabatan 4. The GMS may appoint another individual to fill the position
seorang anggota Dewan Komisaris yang diberhentikan of a member of the Board of Commissioners who has
dari jabatannya atau untuk mengisi suatu lowongan. been dismissed or to fill a vacancy. The term of office of
Masa jabatan seorang yang diangkat untuk menggantikan the person appointed to replace the dismissed or vacant
anggota Dewan Komisaris yang berhenti atau mengisi member shall be for the remaining term of the dismissed
lowongan adalah untuk jangka waktu sisa masa jabatan or replaced member.
anggota Dewan Komisaris yang diberhentikan atau
digantikan tersebut.
PENILAIAN KINERJA KOMITE-KOMITE YANG PERFORMANCE ASSESSMENT OF COMMITTEES
BERADA DI BAWAH DEWAN KOMISARIS UNDER BOARD OF COMMISSIONERS
Dewan Komisaris memiliki komite-komite penunjang yang The Board of Commissioners has supporting committees that
telah memiliki tugas dan tanggung jawab untuk mendukung have duties and responsibilities to support the performance
kinerja Dewan Komisaris. Komite-komite tersebut telah memiliki of the Board of Commissioners. These committees have clear
pedoman kerja yang jelas, sehingga pelaksanaan tugasnya guidelines, so that the implementation of their duties can be
bisa terarah dan efektif. Komite-komite yang berada di bawah directed and effective. The committees under the Board of
Dewan Komisaris adalah Komite Audit, Komite Pemantau Risiko Commissioners include the Audit Committee, Risk Monitoring
dan Komite Remunerasi dan Nominasi. Committee and Remuneration, and Nomination Committee.
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Penilaian Kinerja
Uraian Dasar Penilaian
Performance
Description Basis of Assessment
Assessment
1. Pemantauan dan evaluasi perencanaan dan pelaksanaan audit serta tindak lanjut
hasil audit dalam rangka menilai kecukupan pengendalian intern termasuk kecukupan
proses pelaporan keuangan;
2. Review pelaksanaan tugas dan tanggung jawab Internal Audit dilakukan secara
bulanan yang disampaikan dalam pembahasan temuan serta tindak lanjutnya. Hasil
review terhadap pemeriksaan yang dilakukan KAP telah sesuai dengan standar audit
yang ditetapkan;
3. Monitoring terhadap tindak lanjut yang dilakukan oleh Direksi atas pemenuhan
komitmen hasil temuan pemeriksaan internal dan eksternal; dan
4. Memberikan rekomendasi penunjukan Akuntan Publik dan KAP sesuai ketentuan
yang berlaku kepada RUPS melalui Dewan Komisaris.
Komite Audit Baik
1. Monitoring and evaluation of audit planning and execution, as well as the follow-up on
Audit Committee Good
audit results, to assess the adequacy of internal controls, including the adequacy of the
financial reporting process;
2. Review of the duties and responsibilities of the Internal Audit is conducted monthly, with
findings and follow-up actions discussed. The review results of the audit conducted by
the Public Accounting Firm (KAP) have been in accordance with the established audit
standards;
3. Monitoring of follow-up actions taken by the Board of Directors on the fulfillment of
commitments arising from internal and external audit findings; and
4. Providing recommendations for the appointment of a Public Accountant and
KAP in accordance with applicable regulations to the GMS through the Board of
Commissioners.
1. Hasil evaluasi, kajian hal-hal yang berhubungan dengan risiko serta memberikan
arahan dan saran dalam pengembangan manajemen risiko di Bank; dan
Komite Pemantau 2. Memantau dan mengevaluasi atas pelaksanaan tugas Komite Manajemen Risiko dan
Risiko Direktorat Risk Management. Baik
Risk Monitoring 1. Evaluation results, review of risk-related matters, and providing guidance and Good
Committee recommendations for the development of risk management at the Bank; and
2. Monitoring and evaluating the performance of the Risk Management Committee and
the Risk Management Directorate.
1. Hasil evaluasi Kebijakan Remunerasi bagi Dewan Komisaris dan Direksi, Pejabat
eksekutif dan pegawai;
2. Telah menyusun sistem serta prosedur pemilihan dan/atau penggantian anggota
Dewan Komisaris dan Direksi untuk disampaikan kepada RUPS;
3. Telah memberikan rekomendasi calon anggota Dewan Komisaris dan/atau Direksi
untuk disampaikan kepada RUPS; dan
Komite Remunerasi 4. Telah memberikan rekomendasi calon Pihak Independen yang dapat menjadi
dan Nominasi anggota Komite kepada Dewan Komisaris.
Baik
Remuneration 1. Results of the evaluation of the Remuneration Policy for the Board of Commissioners
Good
and Nomination and Directors, executive officers, and employees;
Committee
2. The development of a system and procedure for the selection and/or replacement of
members of the Board of Commissioners and Directors to be presented to the General
Meeting of Shareholders (RUPS);
3. Providing recommendations for candidates for members of the Board of Commissioners
and/or Directors to be presented to the General Meeting of Shareholders (RUPS); and
4. Providing recommendations for independent party candidates who could serve as
members of the Committee to the Board of Commissioners.
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DIREKSI
Board of Directors
Direksi merupakan organ perusahaan yang bertanggung The Board of Directors is a corporate organ responsible for
jawab atas jalannya pengurusan Bank untuk kepentingan Bank the management of the Bank for the benefit of the Bank and
serta sesuai dengan maksud dan tujuan Bank. Direksi memiliki in accordance with the purposes and objectives of the Bank.
wewenang serta bertugas dan bertanggung jawab secara The Board of Directors has the authority as wellas the duty and
kolegial dalam mengelola Bank. Secara garis besar, masing- responsibility collegially in managing the Bank. In general, each
masing Direktur dapat melaksanakan tugas dan mengambil Director can carry out duties and make decisions in accordance
keputusan sesuai dengan pembagian tugas dan wewenangnya. with the division of duties and authority. The Board of Directors
Direksi bertanggung jawab terhadap pengelolaan Bank is responsible for the management of the Bank in order to
agar dapat menghasilkan keuntungan dan memastikan generate profits and ensure the sustainability of the Bank’s
kesinambungan usaha Bank sesuai dengan anggaran dasar business inaccordance with the articles of association and laws
dan peraturan perundang-undangan. and regulations.
PEDOMAN KERJA/PIAGAM DIREKSI BOARD OF DIRECTORS’ CHARTER
Bank telah memiliki Pedoman dan Tata Tertib Kerja Direksi The Bank has established the Board of Directors’ Work
0027.04.0 tanggal 28 Desember 2023 sebagai pedoman Guidelines and Charter 0027.04.0 dated December 28,
pelaksanaan tugas dan tanggung jawab Direksi agar sesuai 2023, as a guide for the implementation of the duties and
dengan aturan dalam penerapan tata kelola perusahaan responsibilities of the Board of Directors to ensure compliance
yang baik. Direksi juga mengacu pada peraturan perundang- with the principles of good corporate governance. The Board
undangan lainnya seperti: of Directors also refers to other relevant regulations, such as:
1. Undang-Undang No. 40 tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 on Limited Liability Companies;
Terbatas;
2. Undang-Undang No. 10 tahun 1998 tentang Perbankan; 2. Law No. 10 of 1998 on Banking;
3. POJK No. 12/POJK.03/2021 tentang Bank Umum; 3. OJK Regulation No. 12/POJK.03/2021 on Commercial
Banks;
4. POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola 4. OJK Regulation No. 17 of 2023 on the Implementation of
bagi Bank Umum; Governance for Commercial Banks;
5. Peraturan Otoritas Jasa Keuangan No. 33/POJK.04/2014 5. OJK Regulation No. 33/POJK.04/2014 on the Board of
tentang Direksi dan Dewan Komisaris Emiten dan Directors and the Board of Commissioners of Issuers and
Perusahaan Publik; Public Companies;
6. Surat Edaran Otoritas Jasa Keuangan No. 13/ 6. OJK Circular Letter No. 13/SEOJK.03/2017 on the
SEOJK.03/2017 tentang Penerapan Tata Kelola Bank Implementation of Governance for Commercial Banks;
Umum;
7. Anggaran Dasar PT Bank Artha Graha Internasional Tbk; 7. Articles of Association of PT Bank Artha Graha Internasional
dan Tbk; and
8. Dan saling terkait dengan Pedoman Kebijakan Manajemen 8. And related to the Risk Management Policy Guidelines.
Risiko (Risk Management).
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KETENTUAN MASA JABATAN TERM OF OFFICE PROVISIONS
Masa jabatan anggota Direksi ditetapkan selama 3 (tiga) tahun The term of office of a member of the Board of Directors is
dan dapat diangkat kembali berdasarkan keputusan RUPS. set for 3 (three) years and may be reappointed based ona
Namun, masa jabatan anggota Direksi akan berakhir dengan resolution of the GMS. However, the term of office of a member
sendirinya apabila anggota Direksi tersebut: of the Board of Directors will expire automatically if the member
of the Board of Directors:
1. Mengundurkan diri dengan pemberitahuan secara tertulis; 1. Resigns with written notice;
2. Tidak lagi memenuhi persyaratan perundang-undangan 2. No longer meets the requirements of the applicable
yang berlaku; legislation;
3. Meninggal dunia; 3. Passed away;
4. Diberhentikan berdasarkan keputusan RUPS; dan 4. Is dismissed by resolution of the GMS; and
5. Dinyatakan pailit atau ditaruh di bawah pengampuan 5. Is declared bankrupt or placed under guardianship based
berdasarkan suatu penetapan pengadilan. on a court decision.
KOMPOSISI DIREKSI BOARD OF DIRECTORS’ COMPOSITION
Tahun 2024, komposisi Dewan Komisaris Bank Artha Graha In 2024, the composition of the Board of Commissioners of
Internasional tidak mengalami perubahan sesuai keputusan Bank Artha Graha Internasional remains unchanged as per
RUPS Tahunan Tahun 2024 yang diselenggarakan pada 26 the resolution of the Annual General Meeting of Shareholders
Juni 2024, sehingga komposisi Direksi Bank menjadi sebagai (AGMS) for the year 2024, held on June 26, 2024. Therefore,
berikut: the composition of the Bank’s Board of Directors is as follows:
Nama Jabatan Dasar Pengangkatan Periode
Name Position Basis of Appointment Period
1. Akta Pernyataan Keputusan Rapat No. 95 tanggal 30 Juni 2008;
2. Akta Pernyataan Keputusan Rapat No. 16 tanggal 10 Juni 2011;
3. Akta Pernyataan Keputusan Rapat No. 5 tanggal 4 Juli 2014;
4. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017;
5. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020; dan
Direktur Utama 6. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023.
Andy Kasih 2023-2026
President Director 1. Deed of Meeting Resolution No. 95 dated June 30, 2008;
2. Deed of Meeting Resolution No. 16 dated June 10, 2011;
3. Deed of Meeting Resolution No. 5 dated July 4, 2014;
4. Deed of Meeting Resolution No. 20 dated June 16, 2017;
5. Deed of Meeting Resolution No. 7 dated October 5, 2020; and
6. Deed of Meeting Resolution No. 16 dated July 17, 2023.
1. Akta Pernyataan Keputusan Rapat No. 09 tanggal 17 Juli 2018;
2. Akta Pernyataan Keputusan Rapat No. 177 tanggal 23 Agustus 2021; dan
Wakil Direktur
Utama 3. Akta Pernyataan Keputusan Rapat No. 05 tanggal 17 Juli 2024.
Christina Harapan 2024-2027
Vice President 1. Deed of Meeting Resolution No. 09 dated July 17, 2018;
Director
2. Deed of Meeting Resolution No. 177 dated August 23, 2021; and
3. Deed of Meeting Resolution No. 05 dated July 17, 2024.
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Nama Jabatan Dasar Pengangkatan Periode
Name Position Basis of Appointment Period
Direktur
Kepatuhan/
Direktur
Indrastomo Independen 1. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023.
2023-2026
Nugroho Compliance 1. Deed of Meeting Resolution No. 16 dated July 17, 2023.
Director/
Independent
Director
1. Akta Pernyataan Keputusan Rapat No. 225 tanggal 28 November 2014;
2. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017;
3. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020; dan
Direktur 4. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023.
Indra S. Budianto 2023-2026
Director 1. Deed of Meeting Resolution No. 225 dated November 28, 2014;
2. Deed of Meeting Resolution No. 20 dated June 16, 2017;
3. Deed of Meeting Resolution No. 7 dated October 5, 2020; and
4. Deed of Meeting Resolution No. 16 dated July 17, 2023.
Handoyo Direktur 1. Akta Pernyataan Keputusan Rapat No. 16 tanggal 17 Juli 2023.
2023-2026
Soedirdja Director 1. Deed of Meeting Resolution No. 16 dated July 17, 2023.
PENILAIAN KEMAMPUAN DAN KEPATUTAN FIT AND PROPER ASSESSMENT
Calon anggota Direksi wajib memperoleh persetujuan dari Prospective members of the Board of Directors must obtain
Otoritas Jasa Keuangan sebelum menjalankan tindakan, tugas, approval from the Financial Services Authority before carrying
dan fungsinya sebagai Direksi. Dalam hal ini, seluruh anggota out their actions, duties and functions as Directors. In this
Direksi harus memenuhi persyaratan telah lulus penilaian uji case, all members of the Board of Directors must meet the
kemampuan dan kepatutan sesuai dengan ketentuan yang requirements of having passed the fit and proper test assessment
disyaratkan oleh Regulator sebagaimana yang diatur dalam in accordance with the provisions required by the Regulator as
Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 stipulated in the Financial Services Authority Regulation No. 27/
tentang Penilaian Kemampuan dan Kepatutan bagi Pihak POJK.03/2016 concerning Fit and Proper Assessment for Main
Utama Lembaga Jasa Keuangan. Parties of Financial Services Institutions.
Tabel berikut menjelaskan persetujuan dari Otoritas Jasa The following table sets out the approvals from the Financial
Keuangan dan Bank Indonesia terhadap anggota Direksi Bank: Services Authority and Bank Indonesia for members of the
Bank’s Board of Directors:
Nama Jabatan Penyelenggara Tanggal Kelulusan No. Surat
Name Position Organizer Date of Completion Letter No.
Surat Bank Indonesia
Direktur Utama 9 Desember 2008 No. 10/184/GBI/DPIP/Rahasia
Andy Kasih Bank Indonesia
President Director December 9, 2008 Bank Indonesia Letter
No. 10/184/GBI/DPIP/Rahasia
Otoritas Jasa Surat Otoritas Jasa Keuangan
Wakil Direktur Utama Keuangan 9 Januari 2019 No. SR-8/PB.12/2019
Christina Harapan
Vice President Director Financial Services January 9, 2019 Financial Services Authority Letter
Authority No. SR-8/PB.12/2019
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Nama Jabatan Penyelenggara Tanggal Kelulusan No. Surat
Name Position Organizer Date of Completion Letter No.
Direktur Kepatuhan/ Otoritas Jasa Surat Otoritas Jasa Keuangan
Direktur Independen Keuangan 8 November 2023 No. SR-252/PB.02/2023
Indrastomo Nugroho
Compliance Director/ Financial Services November 8, 2023 Financial Services Authority Letter
Independent Director Authority No. SR-252/PB.02/2023
Otoritas Jasa Surat Otoritas Jasa Keuangan
Direktur Keuangan 2 Oktober 2015 No. SR-123/PB.12/2019
Indra S. Budianto
Director Financial Services October 2, 2015 Financial Services Authority Letter
Authority No. SR-123/PB.12/2019
Otoritas Jasa Surat Otoritas Jasa Keuangan
Direktur Keuangan 8 November 2023 No. SR-252/PB.02/2023
Handoyo Soedirdja
Director Financial Services 8 November 2023 Financial Services Authority Letter
Authority No. SR-252/PB.02/2023
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATION
Direksi Bank wajib memiliki Sertifikat Manajemen Risiko jenjang Members of the Board of Directors are required to hold a Level 7
7 sebagaimana yang diatur dalam Surat Edaran Otoritas Jasa Risk Management Certificate as stipulated in the Circular Letter
Keuangan No. 28/SEOJK.03/2022. Sertifikat tersebut menjadi of the Financial Services Authority No. 28/SEOJK.03/2022.
salah satu indikator dalam penilaian fit and proper test yang This certification serves as one of the indicators in the fit and
harus dijalani oleh Direksi yang akan menjabat. proper test that must be undertaken by prospective members
of the Board of Directors.
Pada tahun 2024, seluruh anggota Dewan Direksi Bank Artha As of 2024, all members of the Board of Directors of Bank
Graha Internasional telah memenuhi ketentuan tersebut. Direksi Artha Graha Internasional have fulfilled this requirement. The
yang telah lulus sertifikasi manajemen risiko adalah sebagai following members of the Board of Directors have successfully
berikut: obtained the Risk Management Certification:
Sertifikasi Manajemen
Nama Jabatan Risiko Penyelenggara
Name Position Risk Management Organizer
Certification
Direktur Utama Jenjang 7
Andy Kasih Lembaga Sertifikasi Profesi Perbankan (LSPP)
President Director Level 7
Wakil Direktur Utama Jenjang 7
Christina Harapan Lembaga Sertifikasi Profesi Perbankan (LSPP)
Vice President Director Level 7
Direktur Kepatuhan/Direktur
Independen Jenjang 7
Indrastomo Nugroho Lembaga Sertifikasi Profesi Perbankan (LSPP)
Compliance Director/ Level 7
Independent Director
Direktur Jenjang 7
Indra S. Budianto Lembaga Sertifikasi Profesi Perbankan (LSPP)
Director Level 7
Direktur Jenjang 7
Handoyo Soedirdja Lembaga Sertifikasi Profesi Perbankan (LSPP)
Director Level 7
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TUGAS DAN TANGGUNG JAWAB DIREKSI DUTIES AND RESPONSIBILITIES OF THE
BOARD OF DIRECTORS
Sesuai dengan ketentuan dalam Pedoman dan Tata Tertib In accordance with the provisions set out in the Guidelines and
Kerja Direksi, Direksi mengemban tugas dan tanggung jawab Rules of Procedures for the Board of Directors, the Board of
sebagai berikut: Directors carries out the following duties and responsibilities:
1. Direksi bertugas menjalankan dan bertanggung jawab 1. The Board of Directors is responsible for managing the
atas pengurusan Bank untuk kepentingan Bank sesuai Bank in the best interest of the Bank and in pursuit of the
dan dalam mencapai maksud dan tujuan Bank. Bank’s objectives.
Tugas Pokok Direksi adalah: The primary duties of the Board of Directors are:
a. Memimpin dan mengurus Bank sesuai dengan tujuan a. To lead and manage the Bank in accordance with its
Bank; dan objectives; and
b. Menguasai, memelihara, dan mengurus kekayaan Bank. b. To control, maintain, and manage the Bank’s assets.
2. Direksi wajib melaksanakan tugas, wewenang, dan 2. The Board of Directors must carry out its duties, authorities,
tanggung jawab dengan itikad baik dan dengan prinsip and responsibilities in good faith and with prudence.
kehati-hatian.
3. Dalam menerapkan Tata Kelola yang baik pada Perseroan, 3. In implementing sound corporate governance, the Board of
Direksi paling sedikit wajib membentuk: Directors is at minimum required to establish:
a. satuan kerja audit intern, a. an internal audit unit,
b. satuan kerja manajemen risiko, dan b. a risk management unit, and
c. satuan kerja kepatuhan. c. a compliance unit.
4. Direksi berwenang mewakili Bank sesuai dengan ketentuan 4. The Board of Directors is authorized to represent the Bank
peraturan perundang-undangan, anggaran dasar dan in accordance with applicable laws and regulations, the
keputusan RUPS. Bank’s Articles of Association, and General Meeting of
Shareholders (GMS) resolutions.
5. Setiap anggota Direksi wajib dengan itikad baik dan penuh 5. Each member of the Board of Directors is obligated to
tanggungjawab menjalankan tugas dan wewenangnya perform their duties and authorities in good faith and with
dengan prinsip kehati-hatian dan dengan mengindahkan full responsibility, observing the principles of prudence and
peraturan perundang-undangan yang berlaku. Dalam applicable laws and regulations. To support the effective
rangka mendukung efektivitas pelaksanaan tugas dan execution of its duties and responsibilities, the Board
tanggung jawabnya, Direksi dapat membentuk komite of Directors may establish committees consisting of, at
yang paling sedikit terdiri atas: minimum:
a. Komite manajemen risiko; a. Risk Management Committee;
b. Komite kebijakan perkreditan atau pembiayaan; b. Credit or Financing Policy Committee;
c. Komite kredit atau pembiayaan; dan c. Credit or Financing Committee; and
d. Komite pengarah Teknologi Informasi. d. an Information Technology Steering Committee.
dan berkewajiban melakukan evaluasi terhadap kinerja The Board of Directors is also obligated to evaluate the
komite tersebut setiap akhir tahun buku Bank, serta untuk performance of these committees at the end of each
mendukung pelaksanaan prinsip tata kelola perusahaan financial year. In supporting the implementation of good
yang baik oleh Bank, Direksi berkewajiban membentuk, corporate governance principles, the Board of Directors
serta berwenang untuk mengangkat dan memberhentikan is required to establish and is authorized to appoint and
Sekretaris Perusahaan atau susunan unit kerja Sekretaris dismiss the Corporate Secretary or the Corporate Secretary
Perusahaan berikut pertanggungjawabnya. unit and determine its responsibilities.
6. Pembagian tugas dan wewenang di antara para anggota 6. The division of duties and authorities among the members
Direksi ditetapkan oleh Rapat Umum Pemegang Saham, of the Board of Directors shall be determined by the GMS.
dan dalam hal Rapat Umum Pemegang Saham tidak If the GMS does not stipulate such division, it shall be
menetapkan, pembagian tugas, dan wewenang anggota determined by a resolution of the Board of Directors.
Direksi ditetapkan berdasarkan keputusan Direksi.
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7. Mempertanggungjawabkan pelaksanaan tugas kepada 7. The Board of Directors must account for the execution of its
Pemegang Saham melalui RUPS. duties to the shareholders through the GMS.
8. Memiliki pedoman dan tata tertib kerja yang bersifat 8. The Board of Directors must possess binding guidelines
mengikat bagi setiap anggota Direksi. and rules of procedures for each member.
9. Pedoman dan tata tertib kerja paling sedikit paling sedikit 9. The guidelines and rules of procedures must at minimum
wajib mencantumkan pengorganisasian Perseroan dan include the organizational structure and division of
pembidangan tugas Direksi; tugas, tanggung jawab responsibilities within the Company; duties, responsibilities,
dan wewenang Direksi; pengaturan kewenangan dan and authorities of the Board of Directors; decision-making
prosedur keputusan Direksi; pengaturan etika kerja Direksi; authorities and procedures; code of conduct; rules
pengaturan rapat Direksi; larangan terhadap Direksi; governing meetings; prohibitions; performance evaluations;
evaluasi kinerja Direksi; pola hubungan kerja Direksi dan and the working relationship between the Board of Directors
Dewan Komisaris. and the Board of Commissioners.
10. Direksi bertanggung jawab penuh dalam melaksanakan 10. The Board of Directors bears full responsibility in carrying
tugasnya yang ditujukan untuk kepentingan Bank dalam out its duties in the best interest of the Bank in achieving its
mencapai maksud dan tujuannya. goals and objectives.
11. Merumuskan dan bertanggung jawab atas tercapainya 11. To formulate and be accountable for achieving the Bank’s
visi, misi dan strategi jangka pendek, menegah dan vision, mission, and short-, medium-, and long-term
jangka panjang perusahaan melalui koordinasi kerja dan strategies through coordination, performance monitoring,
pemantauan kinerja dan prestasi setiap unit kerja. and achievement of each work unit.
12. Merumuskan arah kebijakan dan sasaran bidang 12. To define the direction of policy and objectives in the
kepatuhan dan manajemen risiko Bank dalam memenuhi areas of compliance and risk management in line with all
seluruh peraturan Otoritas Jasa Keuangan dan peraturan Financial Services Authority (OJK) regulations and other
perundang-undangan lain yang berlaku dalam rangka applicable laws as part of the prudential principles.
prinsip kehati-hatian.
13. Direksi berhak mewakili Bank didalam dan diluar 13. The Board of Directors is entitled to represent the Bank
pengadilan tentang segala hal dan dalam segala kejadian, in and out of court in all matters and events, and to bind
dan berhak mengikat Bank dengan pihak lain atau pihak the Bank with other parties or other parties with the Bank,
lain dengan Bank serta menjalankan segala tindakan baik and to carry out all actions related to management and
yang mengenai pengurusan maupun mengenai pemilikan, ownership. However, the following actions require approval
akan tetapi dengan ketentuan bahwa khusus: from the Board of Commissioners:
a. Mendirikan suatu usaha baru atau turut serta pada a. Establishing a new business or participating in another
perusahaan lain baik di dalam maupun di luar negeri; company, either domestically or internationally;
b. Menjual saham milik Bank pada perusahaan lain; b. Selling the Bank’s shares in other companies;
c. Membeli, menjual atau dengan cara lain melepaskan hak c. Purchasing, selling, or otherwise transferring rights to
atas barang-barang tidak bergerak atau perusahaan- immovable property or companies; and
perusahaan; dan
d. Menyewakan, menjaminkan atau memberati d. Leasing, pledging, or encumbering the Bank’s immovable
barang barang tidak bergerak milik Bank. Harus property. In such cases, the relevant documents or deeds
dengan persetujuan Dewan Komisaris, yang dalam must be signed by the President Commissioner or Vice
pelaksanaannya terhadap pihak ketiga surat/akta yang President Commissioner together with one (1) member
bersangkutan cukup ditandatangani oleh Komisaris of the Board of Commissioners appointed by a resolution
Utama atau Wakil Komisaris Utama bersama-sama of the Board of Commissioners.
dengan 1 (satu) anggota Dewan Komisaris yang ditunjuk
berdasarkan Keputusan Dewan Komisaris.
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14. Perbuatan hukum untuk mengalihkan, melepaskan hak 14. Any legal action to transfer, release rights, or pledge assets
atau menjadikan jaminan utang yang merupakan lebih that represent more than 50% (fifty percent) of the Bank’s
dari 50% (lima puluh persen) jumlah kekayaan bersih net assets, whether in a single standalone transaction or in
Bank baik dalam satu transaksi yang berdiri sendiri related transactions, must obtain the approval of the General
ataupun yang berkaitan satu sama lain, Direksi harus Meeting of Shareholders (GMS) attended or represented by
mendapat persetujuan RUPS yang dihadiri atau diwakili shareholders holding at least 3/4 (three-fourths) of the total
para pemegang saham yang memiliki paling sedikit 3/4 shares with voting rights present at the GMS. The resolution
(tiga per empat) bagian dari jumlah seluruh saham dengan must be approved by more than 3/4 (three-fourths) of the
hak suara hadir dalam RUPS, dan keputusan disetujui total shares with voting rights present at the GMS. If the
oleh lebih dari 3/4 (tiga per empat) bagian dari jumlah required quorum is not met in the first GMS, a second GMS
seluruh saham dengan hak suara yang hadir dalam RUPS. may be held with the same agenda as the first. The second
Apabila dalam RUPS pertama yang dimaksud tersebut di GMS must be attended or represented by shareholders
atas kuorum yang ditentukan tidak tercapai, maka dapat holding at least 2/3 (two-thirds) of the total shares with valid
diselenggarakan RUPS kedua dengan acara yang sama voting rights, and the resolution must be approved by more
seperti RUPS pertama. RUPS kedua tersebut harus dihadiri than 3/4 (three-fourths) of the total shares with voting rights
atau diwakili para pemegang saham yang memiliki paling present at the second GMS. If the quorum for the second
sedikit 2/3 (dua per tiga) bagian dari jumlah seluruh saham GMS is also not met, a third GMS is valid and authorized
dengan hak suara yang sah, dan keputusan disetujui oleh to make decisions if attended by shareholders with valid
lebih dari 3/4 (tiga per empat) bagian dari jumlah seluruh voting rights, in a quorum determined by the OJK, at the
saham dengan hak suara yang hadir dalam RUPS kedua. Bank’s request. The third GMS notice must indicate that
Jikalau kuorum dalam RUPS kedua tersebut juga tidak the second GMS was held and did not meet the required
terpenuhi, maka RUPS ketiga sah dan berhak mengambil quorum.
keputusan jika dihadiri oleh pemegang saham dari saham
dengan hak suara yang sah, dalam kuorum kehadiran
yang ditetapkan oleh OJK, atas permohonan Bank. Dalam
pemanggilan RUPS ketiga menyebutkan bahwa RUPS
kedua telah diselenggarakan dan tidak mencapai kuorum
kehadiran.
15. Untuk menjalankan perbuatan hukum berupa transaksi 15. To undertake legal actions involving conflict of interest
yang memuat benturan kepentingan antara kepentingan between the personal economic interests of a member
ekonomis pribadi anggota Direksi, Dewan Komisaris of the Board of Directors, Board of Commissioners, or
atau Pemegang Saham, dengan kepentingan ekonomis shareholders and the economic interests of the Company,
Perseroan, Direksi memerlukan persetujuan RUPS. the Board of Directors must obtain approval from the GMS.
16. Direksi wajib menindaklanjuti temuan audit atau 16. The Board of Directors must follow up on audit findings
pemeriksaan dan rekomendasi dari Satuan Kerja Audit and recommendations from the Internal Audit Unit, external
Intern (SKAI), auditor ekstern, hasil pengawasan Otoritas auditors, the OJK’s supervisory results, and/or other
Jasa Keuangan dan/atau hasil pengawasan otoritas lain. supervisory authorities.
17. Direksi Wajib mempertanggungjawabkan pelaksanaan 17. The Board of Directors is accountable for its duties to
tugasnya kepada Pemegang Saham melalui Rapat Umum shareholders through the GMS.
Pemegang Saham.
18. Direksi wajib mengelola Bank sesuai dengan kewenangan 18. The Board of Directors must manage the Bank in accordance
dan tanggung jawab Direksi sebagaimana diatur dalam with its authorities and responsibilities as stipulated in the
anggaran dasar dan peraturan perundang-undangan. Articles of Association and applicable laws.
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19. Direksi wajib menerapkan prinsip-prinsip Tata Kelola yang 19. The Board of Directors must apply good corporate
baik dalam setiap kegiatan usaha Bank pada seluruh governance principles at all levels of the Bank’s organization.
tingkatan atau jenjang organisasi.
20. Direksi wajib mengungkapkan kepada pegawai mengenai 20. The Board of Directors must disclose strategic human
kebijakan Bank yang bersifat strategis di bidang resources policies to employees.
kepegawaian.
21. Direksi dilarang menggunakan penasihat perorangan 21. The Board of Directors is prohibited from engaging individual
dan/atau jasa profesional sebagai konsultan. Penggunaan advisors and/or professional services as consultants, except
penasihat perorangan dan/atau jasa profesional sebagai under the following conditions:
konsultan dapat dilakukan dalam hal memenuhi
persyaratan:
a. Untuk proyek bersifat khusus; a. The engagement is for a specific project;
b. Didasarkan pada kontrak kerja yang jelas; dan b. It is based on a clear employment contract; and
c. Merupakan Pihak Independen dan memiliki kualifikasi c. Be an Independent Party and possess the qualifications
untuk mengerjakan proyek yang bersifat khusus to work on specific projects as referred to in point a
sebagaimana dimaksud dalam huruf a.
22. Direksi wajib menyediakan data dan informasi yang akurat, 22. The Board of Directors must provide accurate, relevant, and
relevan, dan tepat waktu kepada Dewan Komisaris. timely data and information to the Board of Commissioners.
23. Direksi wajib memiliki pedoman dan tata tertib kerja yang 23. The Board of Directors must have binding guidelines and
bersifat mengikat bagi setiap anggota Direksi. Pedoman rules of procedures for every member. At minimum, the
dan tata tertib kerja paling sedikit wajib mencantumkan: guidelines must include:
a. Pengorganisasian Perseroan dan pembidangan tugas a. Company organization and the division of tasks among
Direksi; the Board of Directors;
b. Tugas, tanggungjawab dan wewenang Direksi; b. Duties, responsibilities, and authorities of the Board of
Directors;
c. Pengaturan kewenangan dan prosedur keputusan c. Authority structure and decision-making procedures;
Direksi;
d. Pengaturan etika kerja Direksi; d. Code of conduct for the Board of Directors;
e. Pengaturan rapat Direksi; e. Rules governing Board of Directors meetings;
f. Larangan terhadap Direksi; f. Prohibitions applicable to the Board of Directors;
g. Evaluasi kinerja Direksi; dan g. Performance evaluation of the Board of Directors; and
h. Pola hubungan kerja Direksi dan Dewan Komisaris. h. Working relationship pattern between the Board of
Directors and the Board of Commissioners.
24. Keputusan Direksi yang diambil sesuai dengan pedoman 24. Resolutions of the Board of Directors made in accordance
dan tata tertib kerja mengikat dan menjadi tanggung jawab with the guidelines and rules of procedures are binding and
seluruh anggota Direksi. are the collective responsibility of all members of the Board
of Directors.
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TUGAS DAN TANGGUNG JAWAB MASING- DUTIES AND RESPONSIBILITIES OF EACH
MASING DIREKSI DIRECTOR
Nama dan Jabatan Tanggung Jawab
Name and Position Responsibilities
• Mengoordinasikan pelaksanaan pengurusan Bank sesuai yang ditetapkan dalam Anggaran Dasar dan
keputusan RUPS dengan memperhatikan ketentuan yang berlaku;
• Mengoordinasikan, mengarahkan, dan melakukan supervisi direktorat-direktorat dalam Bank secara
berkesinambungan sesuai dengan bidangnya masing-masing agar berjalan dengan lancar, efektif, efisien,
dan tetap dalam strategi jangka panjang Bank;
• Mengarahkan proses-proses perubahan yang diperlukan untuk memenuhi tantangan persaingan pasar
dengan mendorong unit bisnis memasarkan produk dan jasa dengan lebih dinamis dan kompetitif, dengan
pengkajian yang komprehensif dari Direktorat Risk Management dan Compliance;
• Meningkatkan citra Bank di tingkat nasional dan internasional serta turut membina hubungan baik dengan
bank koresponden, investment bank, lembaga keuangan, Nasabah, dan otoritas moneter, baik di dalam
maupun di luar negeri;
• Bertanggung jawab atas bidang Corporate Secretary;
• Bertanggung jawab atas bidang Head of Bureau;
• Bertanggung jawab atas bidang Financial Control;
• Bertanggung jawab atas bidang Operation;
• Bertanggung jawab atas bidang Credit Analyst;
• Bertanggung jawab atas bidang Compliance and Risk;
• Bertanggung jawab atas bidang Legal Bureau;
Andy Kasih • Bertanggung jawab atas bidang Asset Recovery; dan
Direktur Utama • Bertanggung jawab atas bidang Internal Audit.
President Director • Coordinate the Bank’s management as stipulated in the Articles of Association and resolutions of the GMS, with
due observance of prevailing regulations;
• Coordinate, direct, and supervise the Bank’s directorates on an ongoing basis within their respective areas to
ensure smooth, effective, and efficient operations in line with the Bank’s long-term strategy;
• Lead necessary change processes to meet market competition challenges by encouraging business units to
market products and services more dynamically and competitively, supported by comprehensive assessments
from the Risk Management and Compliance Directorate;
• Enhance the Bank’s reputation at the national and international levels, and foster strong relationships with
correspondent banks, investment banks, financial institutions, customers, and monetary authorities, both
domestic and international;
• Responsible for the Corporate Secretary function;
• Responsible for the Head of Bureau function;
• Responsible for the Financial Control function;
• Responsible for the Operation function;
• Responsible for the Credit Analyst function;
• Responsible for the Compliance and Risk function;
• Responsible for the Legal Bureau function;
• Responsible for the Asset Recovery function; and
• Responsible for the Internal Audit function.
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Nama dan Jabatan Tanggung Jawab
Name and Position Responsibilities
• Bersama-sama dengan Direktur Utama mengoordinasikan pelaksanaan pengurusan Bank sesuai penetapan
dalam Anggaran Dasar dan keputusan RUPS, dengan memperhatikan ketentuan yang berlaku;
• Bersama-sama dengan Direktur Utama mengoordinasikan, mengarahkan, serta melakukan supervisi
Direktorat dalam Bank secara berkesinambungan sesuai dengan bidangnya masing-masing agar berjalan
dengan lancar, efektif, efisien, dan tetap dalam strategi jangka panjang Bank;
• Bersama-sama dengan Direktur Utama meningkatkan citra Bank di tingkat nasional dan internasional, serta
turut membina hubungan baik dengan bank koresponden, investment bank, lembaga keuangan, Nasabah,
dan otoritas moneter, baik di dalam maupun di luar negeri;
• Bersama-sama dengan Direktur Utama mengoordinasikan pelaksanaan kegiatan dalam mengarahkan dan
membina jaringan kantor untuk mencapai target pangsa pasar dan meningkatkan volume bisnis (dana dan
kredit);
Christina Harapan • Bertanggung jawab atas bidang Business dan Treasury; dan
Wakil Direktur Utama • Bertanggung jawab atas bidang Retail Banking dan Digital Acquisition Retail Business
Vice President Director • In coordination with the President Director, coordinate the Bank’s management in accordance with the Articles
of Association and resolutions of the GMS, while observing prevailing regulations;
• In coordination with the President Director, coordinate, direct, and supervise the Bank’s Directorates on an
ongoing basis within their respective areas to ensure smooth, effective, efficient operations aligned with the
Bank’s long-term strategy;
• In coordination with the President Director, enhance the Bank’s reputation at both national and international
levels, and foster good relationships with correspondent banks, investment banks, financial institutions,
customers, and monetary authorities, both domestic and international;
• In coordination with the President Director, oversee the implementation of activities to guide and develop
the branch network in achieving market share targets and increasing business volume (funding and lending);
• Responsible for the Business and Treasury functions; and
• Responsible for the Retail Banking and Digital Acquisition Retail Business functions.
Indrastomo Nugroho • Bertanggung jawab atas bidang Compliance; dan
Direktur Kepatuhan/ • Bertanggung jawab atas bidang Risk Management.
Direktur Independen
• Responsible for Compliance; and
Compliance Director/
Independent Director • Responsible for Risk Management
• Bertanggung jawab atas bidang Asset Recovery Consumer & Retail; dan
Indra S. Budianto
• Bertanggung jawab atas bidang Asset Recovery Corporate & Commercial.
Direktur
• Responsible for the Consumer & Retail Asset Recovery; and
Director
• Responsible for Corporate & Commercial Asset Recovery.
• Bertanggung jawab atas bidang Financial Institution;
• Bertanggung jawab atas bidang Treasury dan Fixed Income;
Handoyo Soedirdja
• Bertanggung jawab atas bidang Wholesales Banking
Direktur
• Responsible for the Financial Institution function;
Director
• Responsible for the Treasury and Fixed Income function;
• Responsible for the Wholesale Banking function.
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RAPAT DIREKSI BOARD OF DIRECTORS MEETING
Merujuk pada ketentuan POJK No. 33/POJK.04/2014 tentang Referring to the provisions of POJK No. 33/POJK.04/2014
Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik, concerning the Board of Directors and the Board of
Direksi wajib mengadakan rapat paling kurang 1 (satu) kali Commissioners of Issuers or Public Companies, the Board of
dalam 1 (satu) bulan. Directors is required to hold a meeting at least once a month.
Namun demikian, Direksi dapat mengadakan rapat sewaktu- However, the Board of Directors may hold a meeting at anytime
waktu atas permintaan 1 (satu) atau beberapa anggota Direksi at the request of 1 (one) or several members of the Board of
atau permintaan Dewan Komisaris, dengan menyebutkan hal- Directors or the request of the Board of Commissioners, by
hal yang akan dibicarakan. stating the matters to be discussed.
Dalam setiap rapat Direksi dibuatkan risalah rapat oleh Minutes of each meeting of the Board of Directors areprepared
Sekretaris Perusahaan dan ditandatangani oleh pimpinan by the Corporate Secretary and signed by thechairman of the
rapat serta seluruh anggota Direksi yang hadir dalam rapat. meeting and all members of the Board of Directors present
Risalah rapat berisi hal-hal yang dibicarakan dan hal-hal yang at the meeting. The minutes of the meetingcontain matters
diputuskan. discussed and matters decided.
Sepanjang tahun 2024 Direksi telah melaksanakan rapat internal In 2024, the Board of Directors conducted 13 internal Board of
Direksi sebanyak 13 kali. Adapun agenda dan rekapitulasi Directors meetings. The agenda and attendance summary of
kehadiran Direksi dalam rapat di tahun 2024 adalah sebagai the Board of Directors meetings in 2024 are asfollows:
berikut:
Rapat Direksi
Board of Directors Meeting
Nama
Name
Jumlah Rapat Kehadiran
%
Number of Meetings Attendance
Andy Kasih 13 11 84,61
Christina Harapan 13 11 84,61
Indrastomo Nugroho 13 12 92,30
Indra S. Budianto 13 12 92,30
Handoyo Soedirdja 13 11 84,61
AGENDA RAPAT INTERNAL DIREKSI BOARD OF DIRECTORS INTERNAL MEETING
AGENDA
1. Realisasi angka Utama Setiap Bulan; 1. Realization of Monthly Key Figures;
2. Kinerja Bisnis Setiap Bulan; 2. Monthly Business Performance;
3. Pelaksanaan Kepatuhan Bank; 3. Implementation of Bank Compliance;
4. Rencana Bisnis Bank; 4. Bank Business Plan;
5. Kinerja Asset Recovery; dan 5. Asset Recovery Performance; and
6. Hal-hal Strategis Lainnya. 6. Other Strategic Matters.
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PROGRAM PENGENALAN PERUSAHAAN BAGI CORPORATE ORIENTATION PROGRAM FOR
DIREKSI BARU NEW MEMBERS OF THE BOARD OF DIRECTORS
Jika dalam satu periode operasional terdapat Direksi baru, If there is a new Board of Directors during an operational period,
Bank memastikan Direksi memahami tugas dan tanggung the Bank ensures that the Board understands their duties and
jawabnya dan proses bisnis Bank yang dilaksanakan oleh Direksi responsibilities, as well as the business processes of the Bank
selain dapat bekerja selaras dengan Organ Perseroan lainnya. carried out by the Board, in addition to working in harmony with
Sehubungan tidak adanya anggota Direksi baru, pada tahun other corporate organs. In relation to the absence of new Board
2024, Bank tidak melakukan program Pengenalan Perusahaan members, the Bank did not conduct an Induction Program for
bagi Direksi baru. new Directors in 2024.
PROGRAM PELATIHAN DIREKSI BOARD OF DIRECTORS TRAINING PROGRAM
Bank memberikan kesempatan kepada Direksi untuk dapat The Bank provides opportunities for the Directors to develop and
mengembangkan dan meningkatkan kompetensi diri melalui improve their competencies through training and certification,
pelatihan dan sertifikasi, maupun program peningkatan as well as other competency improvement programs such as
kompetensi lainnya seperti seminar dan workshop. seminars and workshops.
Berikut disampaikan pelatihan pendidikan dan/atau peningkatan The following are the education and/or competency
kompetensi yang diikuti Direksi di sepanjang tahun 2024. improvement training attended by the Board of Directors
throughout 2024.
Peserta Jenis Pelatihan Materi Pendidikan Waktu Penyelenggara
Participants Type of Training Education Materials Time Organizer
Ujian Sertifikasi Manajemen Risiko
Sertifikasi Jenjang 7 2 Mei 2024 Lembaga Sertifikasi Profesi
Certification Risk Management Certification May 2, 2024 Perbankan (LSPP)
Examination Level 7
Penyelarasan Sertifikasi Manajemen
Pelatihan Risiko jenjang 7 3-4 Juli 2024 Banker Association for Risk
Andy Kasih
Training Alignment of Risk Management July 3-4, 2024 Management (BARa)
Certification Level 7
11-12 Desember
Pelatihan 2024
The 19th Indonesia HR EXPO INTIPESAN Conference
Training December 11-12,
2024
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Peserta Jenis Pelatihan Materi Pendidikan Waktu Penyelenggara
Participants Type of Training Education Materials Time Organizer
Penyelarasan Sertifikasi Manajemen 7-8 Maret
Pelatihan Risiko jenjang 7 2024 Banker Association for Risk
Training Alignment of Risk Management March 7-8, Management (BARa)
Certification Level 7 2024
Seminar Economic Outlook
2024: Menopang Keberlanjutan
Perekonomian melalui Transisi EBT &
22 Maret 2024
Pelatihan UMKM Naik Kelas
March 22, Perbanas
Training Seminar on Economic Outlook 2024:
2024
Supporting Economic Sustainability
Christina Harapan through the Transition to Renewable
Energy and MSME Advancement
Ujian Sertifikasi Manajemen Risiko
Sertifikasi Jenjang 7 26 April 2024 Lembaga Sertifikasi Profesi
Certification Risk Management Certification April 26, 2024 Perbankan (LSPP)
Examination Level 7
11-12 Desember
Pelatihan 2024
The 19th Indonesia HR EXPO INTIPESAN Conference
Training December 11-12,
2024
Penyelarasan Sertifikasi Manajemen
7-8 Maret 2024
Pelatihan Risiko jenjang 7 Banker Association for Risk
March 7-8, Management (BARa)
Training Alignment of Risk Management
2024
Certification Level 7
Resertifikasi Manajemen Risiko
Sertifikasi Jenjang 7 6 April 2024 Lembaga Sertifikasi Profesi
Indrastomo Nugroho
Certification Risk Management Re-Certification April 6, 2024 Perbankan (LSPP)
Level 7
11-12 Desember
Pelatihan 2024
The 19th Indonesia HR EXPO INTIPESAN Conference
Training December 11-12,
2024
Resertifikasi Manajemen Risiko
Sertifikasi Jenjang 7 26 April 2024 Lembaga Sertifikasi Profesi
Certification Risk Management Re-Certification April 26, 2024 Perbankan (LSPP)
Level 7
Penyelarasan Sertifikasi Manajemen
Pelatihan Risiko jenjang 7 3-4 Juli 2024 Banker Association for Risk
Indra S. Budianto
Training Alignment of Risk Management July 3-4, 2024 Management (BARa)
Certification Level 7
11-12 Desember
Pelatihan 2024
The 19th Indonesia HR EXPO INTIPESAN Conference
Training December 11-12,
2024
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Peserta Jenis Pelatihan Materi Pendidikan Waktu Penyelenggara
Participants Type of Training Education Materials Time Organizer
29 Februari
Pembekalan sertifikasi Manajemen
2024-1 Maret
Pelatihan Risiko Jenjang 7 Lembaga Pengembangan
2024
Training Risk Management Certification Perbankan Indonesia (LPPI)
February 29 -
Preparation Level 7
March 1, 2024
Ujian Sertifikasi Manajemen Risiko
Sertifikasi Jenjang 7 2 April 2024 Lembaga Sertifikasi Profesi
Certification Risk Management Certification April 2, 2024 Perbankan (LSPP)
Examination Level 7
26 Agustus
Pembekalan Sertifikasi Treasury Dealer
Handoyo Soedirdja Pembekalan 2024 Apuvindo
jenjang 7
Preparation August 26,
Certification Preparation Level 7
2024
2 Oktober
Ujian Sertifikasi Treasury Dealer jenjang
Sertifikasi 2024
7 ACI
Certification October 2,
Certification Examination Level 7
2024
11-12 Desember
Pelatihan 2024
The 19th Indonesia HR EXPO INTIPESAN Conference
Training December 11-12,
2024
MEKANISME PENGUNDURAN DIRI DAN RESIGNATION AND DISMISSAL MECHANISM
PEMBERHENTIAN DIREKSI OF BOARD OF DIRECTORS
Pedoman dan Tata Tertib Kerja Direksi mengatur mekanisme The Board of Directors Charter regulates the mechanism related
terkait pengunduran diri dan pemberhentian Direksi Bank Artha to the resignation and dismissal of the Board of Directors of
Graha Internasional yang melalui tahapan sebagai berikut: Bank Artha Graha Internasional through the following stages:
1. Seorang anggota Direksi berhak mengundurkan diri 1. A member of the Board of Directors has the right to resign
dari jabatannya dan wajib menyampaikan permohonan from their position and must submit a resignation request to
pengunduran diri tersebut kepada Bank mengenai the Bank regarding their intention at least 90 days before
maksudnya itu sekurangnya 90 hari sebelum tanggal the resignation date.
pengunduran dirinya.
2. Bank wajib menyelenggarakan RUPS untuk memutuskan 2. The Bank is required to hold a General Meeting of
permohonan pengunduran diri anggota Direksi dalam Shareholders (GMS) to decide on the resignation request
jangka waktu paling lambat 90 hari setelah diterimanya of the Board member within a maximum of 90 days after
surat pengunduran diri tersebut. receiving the resignation letter.
3. Kepada anggota Direksi yang mengundurkan diri 3. A Board member who resigns as mentioned above may still
sebagaimana tersebut tetap dapat dimintakan be held accountable from the time of their appointment
pertanggungjawabannya sejak pengangkatan yang until their resignation in the following GMS.
bersangkutan sampai dengan pengunduran dirinya dalam
RUPS berikutnya.
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4. Bank wajib melakukan keterbukaan informasi kepada 4. The Bank is required to disclose information to the public
masyarakat dan menyampaikan hal tersebut kepada and notify the Financial Services Authority (OJK) no later
Otoritas Jasa Keuangan paling lambat 2 (dua) hari kerja than 2 (two) working days after:
setelah: a. Acceptance of the resignation request of the Board of
a. Diterimanya permohonan pengunduran diri Direksi; dan Directors; and
b. Acceptance of the resolution on the results of the GMS
b. Diterimanya keputusan atas hasil penyelenggaraan regarding the request for resignation of a member of
RUPS mengenai permohonan pengunduran diri the Board of Directors.
anggota Direksi.
5. Masa jabatan anggota Direksi dengan sendirinya berakhir 5. The term of office of a member of the Board of Directors
apabila anggota Direksi tersebut: automatically ends if the member of the Board of Directors:
a. Mengundurkan diri dengan pemberitahuan secara a. Resigns with written notice;
tertulis;
b. Tidak lagi memenuhi persyaratan perundang- b. No longer meets the requirements of the applicable
undangan yang berlaku legislation;
c. Meninggal dunia; c. Passed away;
d. Diberhentikan berdasarkan keputusan RUPS; dan d. Is dismissed by resolution of the GMS; and
e. Dinyatakan pailit atau berada di bawah pengampuan e. Is declared bankrupt or under guardianship based on a
berdasarkan suatu penetapan pengadilan. stipulation Court.
6. Pemberhentian atau penggantian anggota Direksi wajib 6. The dismissal or replacement of members of the Board
mengedepankan kepentingan utama dari Bank. of Directors must prioritize the best interests of the Bank.
7. Dalam hal terdapat anggota Direksi yang 7. In the event that a member of the Board of Directors is
diberhentikan untuk sementara, Dewan Komisaris temporarily dismissed, the Board of Commissioners must
harus menyelenggarakan RUPS untuk mencabut atau organize a GMS to revoke or strengthen the temporary
menguatkan keputusan pemberhentian sementara dismissal decision.
tersebut.
PENILAIAN KINERJA KOMITE DAN UNIT PERFORMANCE ASSESSMENT OF
KERJA YANG BERADA DI BAWAH DIREKSI COMMITTEES AND WORK UNITS UNDER THE
BOARD OF DIRECTORS
Direksi melakukan penilaian terhadap kinerja unit kerja di The Board of Directors assesses the performance of the
bawahnya dengan mengevaluasi pemenuhan tugas dan work units under it by evaluating the fulfillment of duties
tanggung jawab pada setiap akhir periode. Komite Kredit, and responsibilities at the end of each period. The Credit
Komite ALCO, Komite Manajemen Risiko, Komite Pengarah Committee, ALCO Committee, Risk Management Committee,
Teknologi Informasi, Komite Kebijakan Perkreditan, Komite Information Technology Steering Committee and Human
Produk dan Komite Human Capital dipandang telah memberikan Capital Committee are considered to have performed well in
kinerja yang baik dalam pelaksanaan tugas dan tanggung jawab carrying out their respective duties and responsibilities in line
masing-masing yang sejalan dengan strategi dan Rencana with the Bank’s strategy and Business Plan in 2024.
Bisnis Bank pada tahun 2024.
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DEWAN PENGAWAS SYARIAH
Sharia Supervisory Board
Bank Artha Graha Internasional tidak memiliki Dewan Pengawas Bank Artha Graha Internasional does not have a Sharia
Syariah karena sampai dengan periode yang berakhir pada Supervisory Board because until the period ended
tanggal 31 Desember 2024, Bank tidak memiliki Unit Usaha December 31, 2024, the Bank did not have a Sharia
Syariah atau Bank Syariah. Oleh karena itu, Bank tidak Business Unit or Sharia Bank. Therefore, the Bank does
menyajikan informasi terkait Dewan Pengawas Syariah. not present information related to the Sharia Supervisory
Board.
KEBIJAKAN PENGUNGKAPAN INFORMASI DAN
BENTURAN KEPENTINGAN
Information Disclosure and Conflict of Interest Policy
Dalam menjalankan fungsi, tugas dan tanggung jawabnya, In carrying out their functions, duties and responsibilities,
anggota Dewan Komisaris dan Direksi Bank wajib menjaga members of the Bank’s Board of Commissioners and Board
independensi dan menghindari segala bentuk benturan of Directors must maintain independence and avoid anyform
kepentingan, baik untuk kepentingan pribadi, kelompok dan of conflict of interest, whether for personal, group, or specific
golongan tertentu. interests.
PENGELOLAAN BENTURAN KEPENTINGAN CONFLICT OF INTEREST MANAGEMENT
Berpedoman pada regulasi yang berlaku ditetapkan Based on the prevailing regulations, it is stipulated that
bahwa anggota Direksi, anggota Dewan Komisaris, dan members of the Board of Directors, members of the Board of
Pejabat Eksekutif dilarang mengambil tindakan yang dapat Commissioners, and Executive Officers are prohibited from
merugikan Bank atau mengurangi keuntungan Bank dan wajib taking actions that may harm the Bank or reduce the Bank’s
mengungkapkan benturan kepentingan dalam setiap keputusan profits and must disclose conflicts of interestin every decision
jika terdapat benturan kepentingan dalam pengelolaan Bank. if there is a conflict of interest in the management of the Bank.
Oleh karena itu, dengan mengacu kepada Peraturan Otoritas Therefore, with reference to the Financial Financial Services
Jasa Keuangan No. 17 Tahun 2023 Bab VI Pasal 80, anggota Authority Regulation No. 17of 2023 Chapter VI Article 80,
Direksi maupun Dewan Komisaris hendaknya senantiasa harus: Directors and the Board of Commissioners should always:
1. Mengutamakan kepentingan Perseroan dan tidak 1. Prioritize the interests of the Company and not reduce the
mengurangi keuangan Perseroan dalam hal terjadi Company’s finances in the event of a conflict of interest;
benturan kepentingan;
2. Menghindari diri dari pengambilan keputusan dalam situasi 2. Avoid making decisions in situations and conditions where
dan kondisi adanya benturan kepentingan; there is a conflict of interest;
3. Melakukan pengungkapan hubungan kekeluargaan, 3. Disclose family relationships, financial relationships,
hubungan keuangan, hubungan kepengurusan, management relationships, ownership relationships with
hubungan kepemilikan dengan Anggota Komisaris lain other members of the Board of Commissioners and/or
dan/atau anggota Direksi dan/atau Pemegang Saham members of the Board of Directors and/or controlling
Pengendali Bank dan/atau pihak lainnya dalam rangka shareholders of the Bank and/or other parties in the
bisnis Perseroan; dan context of the Company’s business; and
4. Melakukan pengungkapan dalam hal pengambilan 4. Make disclosures in terms of decision-making must still be
keputusan tetap harus diambil pada kondisi adanya taken in conditions of conflict of interest.
benturan kepentingan.
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KEPEMILIKAN SAHAM DEWAN KOMISARIS S H A R E OW N ER S H I P O F B OA R D O F
DAN DIREKSI COMMISSIONERS AND DIRECTORS
Dengan berpedoman kepada Peraturan Otoritas Jasa Keuangan Guided by the Financial Services Authority Regulation No.
No. 17 Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank 17 of 2023 concerning the Implementation of Governance
Umum, Bank Artha Graha Internasional mengungkapkan for Commercial Banks, Bank Artha Graha Internasional
kepemilikan saham anggota Dewan Komisaris dan Direksi discloses the share ownership of members of the Board of
sesuai Pasal 57 huruf a dan Pasal 32 huruf a yang menyatakan Commissioners and Board of Directors in accordance with
bahwa dalam pemenuhan pelaksanaan Tata Kelola, anggota Article 57 letter a and Article 32 letter a which state that
Dewan Komisaris atau Direksi mengungkapkan kepemilikan infulfillment of the implementation of Governance, members
saham yang mencapai 5% (lima persen) atau lebih, baik pada of the Board of Commissioners or Board of Directors disclose
Bank yang bersangkutan maupun pada bank dan perusahaan share ownership that reaches 5% (five percent) ormore, both
lain, yang berkedudukan di dalam dan di luar negeri. in the Bank concerned and in other banks and companies
domiciled at home and abroad.
Kepemilikan saham Dewan Komisaris dan Direksi pada tahun The share ownership of the Board of Commissioners and
2024 adalah sebagai berikut: Directors in 2024 is as follows:
Nama Jabatan Kepemilikan Saham
Name Position Share Ownership
Kiki Syahnakri Komisaris Utama/Komisaris Independen Nihil
President Commissioner/Independent Commissioner None
Tomy Winata Wakil Komisaris Utama Nihil
Vice President Commissioner None
Sugianto Kusuma Wakil Komisaris Utama 2,23%
Vice President Commissioner
Elizawatie Simon Komisaris Independen Nihil
Independent Commissioner None
Pesta Uli Sitanggang Komisaris Independen Nihil
Independent Commissioner None
Andy Kasih Direktur Utama Nihil
President Director None
Christina Harapan Wakil Direktur Utama 0,00%
Vice President Director
Indrastomo Nugroho Direktur Kepatuhan/Direktur Independen Nihil
Compliance Director/Independent Director None
Indra S. Budianto Direktur Nihil
Director None
Handoyo Soedirdja Direktur 0,04%
Director
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RANGKAP JABATAN DEWAN KOMISARIS DAN DIREKSI
Concurrent Positions of Board of Commissioners and Board of Directors
Mengacu pada Peraturan Otoritas Jasa Keuangan POJK No.17 Referring to Financial Services Authority Regulation POJK No.
Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank Umum, 17 of 2023 concerning the Implementation of Governance for
Pasal 46 dinyatakan bahwa: Commercial Banks, Article 46 states that:
1. Anggota Dewan Komisaris dilarang melakukan rangkap 1. Members of the Board of Commissioners are prohibited
jabatan sebagai anggota Direksi, anggota Dewan Komisaris from holding concurrent positions as members of the Board
atau Pejabat Eksekutif: of Directors, members of the Board of Commissioners or
Executive Officers:
a. Pada lembaga keuangan atau perusahaan keuangan, a. In financial institutions or financial companies, both
baik bank maupun bukan bank; banks and non-banks;
b. Pada lebih dari 1 (satu) lembaga bukan keuangan atau b. In more than 1 (one) non-financial institution or non
perusahaan bukan keuangan, baik yang berkedudukan financial company, whether domiciled at home or
di dalam maupun di luar negeri; abroad;
c. Pada bidang tugas fungsional pada lembaga keuangan c. In the field of functional duties at bank financial institutions
bank dan/atau lembaga keuangan bukan bank yang and/or non-bank financial institutions domiciled at home
berkedudukan di dalam maupun di luar negeri; or abroad;
d. Pada jabatan lain yang dapat menimbulkan benturan d. In other positions that may create a conflict of interest
kepentingan dalam pelaksanaan tugas sebagai anggota in the performance of duties as a member of the Board
Dewan Komisaris; dan/atau of Commissioners; and/or
e. Pada jabatan lain sesuai dengan ketentuan peraturan e. In other positions in accordance with the provisions of
perundang-undangan. laws and regulations
2. Tidak termasuk rangkap jabatan sebagaimana dimaksud 2. Excluding concurrent positions as referred to in paragraph
pada ayat (1) dalam hal: (1) in the event that:
a. Anggota Dewan Komisaris menjabat sebagai anggota a. Members of the Board of Commissioners serve as
Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif members of the Board of Directors, members of the
yang melaksanakan fungsi pengawasan pada 1 (satu) Board of Commissioners or Executive Officers who carry
Perusahaan anak bukan bank yang dikendalikan oleh out supervisory functions in 1 (one) non-bank subsidiaries
Bank; controlled by the Bank;
b. Komisaris Non-Independen menjalankan tugas b. Non-Independent Commissioners carry out the functional
fungsional dari Pemegang Saham Bank yang berbentuk duties of Bank’s Shareholders in the form of legal entities
badan hukum pada Bank dan/atau kelompok usaha in the Bank and/or Bank’s business groups; and/or
Bank; dan/atau
c. Anggota Dewan Komisaris menduduki jabatan pada c. Members of the Board of Commissioners hold positions
organisasi atau lembaga nirlaba. in non-profit organizations or institutions.
3. Tugas dalam jabatan dan fungsi sebagaimana dimaksud 3. The duties in the positions and functions as referred to in
pada ayat (2) dapat dilaksanakan sepanjang tidak paragraph (2) may be carried out as long as the person
mengakibatkan yang bersangkutan mengabaikan concerned does not neglect the implementation of duties
pelaksanaan tugas dan tanggung jawab sebagai anggota and responsibilities as a member of the Bank’s Board of
Dewan Komisaris Bank. Commissioners.
4. Terhadap calon anggota Dewan Komisaris yang memiliki 4. Candidates for members of the Board of Commissioners
jabatan sebagaimana dimaksud pada ayat (2) wajib who have positions as referred to in paragraph (2) must
membuat surat pernyataan untuk: make a statement letter to:
a. Menjaga integritas; a. Maintain integrity;
b. Menghindari segala bentuk benturan kepentingan; dan b. Avoid any form of conflict of interest; and
c. Menghindari tindakan yang dapat merugikan Bank dan/ c. Avoid actions that may harm the Bank and/or cause the
atau menyebabkan Bank melanggar prinsip kehati- Bank to violate prudential principles.
hatian.
5. Komisaris Independen dilarang merangkap jabatan publik. 5. Independent Commissioners are prohibited from holding
concurrent public positions.
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Berikut informasi rangkap jabatan Dewan Komisaris dan Direksi The following is information on the concurrent positions of the
Bank Artha Graha Internasional tahun 2024: Board of Commissioners and Directors of Bank Artha Graha
Internasional in 2024:
Rangkap Jabatan
Concurrent Position in
Nama Jabatan
Name Position
Jabatan Nama Perusahaan/Instansi Lain
Position Companies/Agencies
Kiki Syahnakri Komisaris Utama/Komisaris Independen Tidak Ada
Tidak Ada
President Commissioner/Independent None
None
Commissioner
Tomy Winata Wakil Komisaris Utama Tidak Ada Tidak Ada
Vice President Commissioner None None
Sugianto Kusuma Wakil Komisaris Utama Tidak Ada Tidak Ada
Vice President Commissioner None None
Elizawatie Simon Komisaris Independen Tidak Ada Tidak Ada
Independent Commissioner None None
Pesta Uli Sitanggang Komisaris Independen Tidak Ada Tidak Ada
Independent Commissioner None None
Andy Kasih Direktur Utama Tidak Ada Tidak Ada
President Director None None
Christina Harapan Wakil Direktur Utama Tidak Ada Tidak Ada
Vice President Director None None
Indrastomo Nugroho Direktur Kepatuhan/Direktur Independen Tidak Ada Tidak Ada
Compliance Director/Independent Director None None
Indra S. Budianto Direktur Tidak Ada Tidak Ada
Director None None
Handoyo Soedirdja Direktur Tidak Ada Tidak Ada
Director None None
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HUBUNGAN AFILIASI DEWAN KOMISARIS DAN DIREKSI
Affiliate Relationship between of Board of Commissioners and Board of Directors
Bank melakukan pengelolaan dengan baik hubungan afiliasi The Bank properly manages the affiliations of the Board of
yang dimiliki Dewan Komisaris dan Direksi supaya dalam Commissioners and Board of Directors so that in carrying out
menjalankan tugas dan mengambil keputusan terbebas dari their duties and making decisions they are free from conflicts of
benturan kepentingan. Tabel berikut menjelaskan hubungan interest. The following table explains the affiliations held by the
afiliasi yang dimiliki Dewan Komisaris dan Direksi Bank Artha Board of Commissioners and Directors of Bank Artha Graha
Graha Internasional di tahun 2024 adalah sebagai berikut: Internasional in 2024 as follows:
Hubungan Keuangan Hubungan Keluarga Hubungan Kepemilikan Saham
Financial Relationship Family Relationship Shareholding Relationship
Nama Jabatan Pemegang
Name Position Dewan Pemegang Dewan Pemegang Dewan
Direksi Direksi Direksi Saham
Komisaris Saham Utama Komisaris Saham Utama Komisaris
Board of Board of Board of Utama
Board of Major Board of Major Board of
Directors Directors Directors Major
Commissioners Shareholders Commissioners Shareholders Commissioners
Shareholders
Dewan Komisaris
Board of Commissioners
Kiki Komisaris
Syahnakri Utama/
Komisaris
Independen
X X X X X X X X X
President
Commissioner/
Independent
Commissioner
Tomy Wakil
Winata Komisaris
Utama X X √ X X X √ X √
Vice President
Commissioner
Sugianto Wakil
Kusuma Komisaris
Utama X X √ X X X √ X √
Vice President
Commissioner
Elizawatie Komisaris
Simon Independen
X X X X X X X X X
Independent
Commissioner
Pesta Uli Komisaris
Sitanggang Independen
X X X X X X X X X
Independent
Commissioner
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Hubungan Keuangan Hubungan Keluarga Hubungan Kepemilikan Saham
Financial Relationship Family Relationship Shareholding Relationship
Nama Jabatan Pemegang
Name Position Dewan Pemegang Dewan Pemegang Dewan
Direksi Direksi Direksi Saham
Komisaris Saham Utama Komisaris Saham Utama Komisaris
Board of Board of Board of Utama
Board of Major Board of Major Board of
Directors Directors Directors Major
Commissioners Shareholders Commissioners Shareholders Commissioners
Shareholders
Direksi
Board of Directors
Andy Kasih Direktur
Utama
X X X X X X X X X
President
Director
Christina Wakil Direktur
Harapan Utama
X X X X X X X X √
Vice President
Director
Indrastomo Direktur
Nugroho Kepatuhan/
Direktur
Independen
X X X X X X X X X
Compliance
Director/
Independent
Director
Indra S. Direktur
Budianto X X X X X X X X X
Director
Handoyo Direktur
Soedirdja X X X X X X X X X
Director
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KEBIJAKAN KEBERAGAMAN DEWAN KOMISARIS DAN
DIREKSI
Diversity Policy of Board of Commissioners and Board of Directors
Bank Artha Graha Internasional senantiasa memegang erat Bank Artha Graha Internasional always upholds the principle
prinsip keberagaman yaitu dengan memberikan kesempatan of diversity by providing equal opportunities for all people,
yang sama bagi semua orang, tanpa memandang perbedaan regardless of ethnicity, religion, race, class, and gender
etnik, agama, ras, kelas, dan gender guna mendukung differences to support the effectiveness of the duties of the
efektivitas pelaksanaan tugas Dewan Komisaris maupun Direksi. Board of Commissioners and Board of Directors. This is guided
Hal tersebut berpedoman pada ketentuan Otoritas Jasa by the provisions of the Financial Services Authority listed in
Keuangan yang tercantum dalam Lampiran Surat Edaran the Appendix to the Circular Letter of the Financial Services
Otoritas Jasa Keuangan No. 32/SEOJK.04/2015 tentang Authority No. 32/SEOJK.04/2015 concerning Guidelines for
Pedoman Tata Kelola Perusahaan Terbuka. Public Company Governance.
Di tahun 2023 komposisi Dewan Komisaris dan Direksi Bank In 2024, the composition of the Bank’s Board of
telah mempertimbangkan keberagaman baik dari aspek usia, Commissioners and Board of Directors considered diversity
gender, latar belakang pendidikan, keahlian dan pengalaman in terms of age, gender, educational background, expertise,
kerja. Keberagaman anggota Dewan Komisaris dan Direksi and work experience. The diversity of members of the Board
dijelaskan di tabel berikut ini: of Commissioners and Board of Directors is explained in the
following table:
Aspek Keberagaman Keterangan
Diversity Aspect Description
Dewan Komisaris
Board of Commissioners
Keahlian Memiliki keahlian dan kompetensi di bidang Militer, Hukum, and Organization Development
Expertise Have expertise and competence in the fields of Military, Law, and Organization Development
Pendidikan Latar pendidikan S1
Education Bachelor’s degree education background
Pihak yang ditunjuk sebagai anggota Dewan Komisaris memiliki pengalaman di berbagai bidang, seperti
Pengalaman Kerja militer, hukum, perbankan, dan konsultan organization development
Work Experience Those appointed as members of the Board of Commissioners have experience in various fields, such as
military, law, banking, and organization development consultant
Rata-rata usia Dewan Komisaris berada pada usia yang memungkinkan seseorang untuk terus bekerja
Usia dan berkarya, yaitu antara 61-77 tahun
Age The average age of the Board of Commissioners is at an age that allows a person to continue working,
which is between 61-77 years
Jenis Kelamin Perseroan memiliki 2 (dua) anggota Dewan Komisaris yang berjenis kelamin perempuan
Gender The Company has 2 (two) member of the Board of Commissioners who is female
Direksi
Board of Directors
Keahlian Memiliki keahlian dan kompetensi di bidang Ekonomi, Bisnis Administrasi, Pertahanan, dan Manajemen
Expertise Have expertise and competence in Economics, Business Administration, Defense, and Management
Pendidikan Latar pendidikan S1
Education Bachelor’s degree education background
Pihak yang ditunjuk sebagai anggota Direksi memiliki pengalaman di berbagai bidang, seperti akuntan,
Pengalaman Kerja
keuangan, IT, manajemen risiko, dan jabatan lainnya di industri perbankan
Work Experience
Those appointed as members of the Board of Directors have experience in various fields
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Aspek Keberagaman Keterangan
Diversity Aspect Description
Rata-rata usia Direksi berada pada usia yang memungkinkan seseorang untuk terus bekerja dan berkarya,
Usia yaitu antara 45-69 tahun
Age The average age of Directors is at an age that allows one to continue working and creating, which is
between 45-69 years old
Jenis Kelamin Perseroan memiliki 1 (satu) anggota Direksi yang berjenis kelamin perempuan
Gender The Company has 1 (one) member of the Board of Directors who is female
PENILAIAN KINERJA DEWAN KOMISARIS DAN DIREKSI
Performance Assessment of Board of Commissioners and Directors
Kinerja Dewan Komisaris dan Direksi Bank Artha Graha The performance of the Board of Commissioners and the Board
Internasional dievaluasi secara berkala oleh pemegang saham of Directors of Bank Artha Graha Internasional is evaluated
melalui mekanisme RUPS, setelah sebelumnya Dewan Komisaris periodically by the shareholders through the GMS mechanism,
dan Direksi melakukan penilaian mandiri atas kinerja individual after the Board of Commissioners and the Board of Directors
maupun kolektif kolegial. have conducted a self-assessmentof their individual and
collegial performance.
Hasil evaluasi kinerja Dewan Komisaris dan Direksi secara The results of the evaluation of the performance of the Board of
individual merupakan salah satu dasar pertimbangan bagi Commissioners and Directors individually are one of the bases
pemegang saham untuk melakukan penunjukan kembali. Hasil for consideration for shareholders to reappoint. The results of the
evaluasi terhadap kinerja Dewan Komisaris secara keseluruhan evaluation of the performance of the Board of Commissioners
dan kinerja masing-masing anggota Direksi merupakan bagian as a whole and the performance of each member of the Board
yang tidak terpisahkan dalam skema remunerasi untuk Dewan of Directors are an integral part of the remuneration scheme for
Komisaris dan Direksi. the Board of Commissioners and the Board of Directors.
Selain itu, kinerja Dewan Komisaris dan Direksi juga dilakukan In addition, the performance of the Board of Commissioners
bersamaan dengan penilaian sendiri (Self-Assessment) Tata and the Board of Directors is also carried out in conjunction
Kelola atau GCG terhadap pelaksanaan tugas dan tanggung with the GCG Self-Assessment of the implementation of the
jawab Dewan Komisaris yang mencakup 3 (tiga) aspek duties and responsibilities of the Board of Commissioners
governance terdiri dari governance structure, governance which includes 3 (three) aspects of governance consisting of
process dan governance outcome. governance structure, governance process and governance out
come.
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Peringkat Komposit
Composite Rating
Kriteria - Indikator
No
Criteria - Indicator
30 Juni 2024 31 Desember 2024
June 30, 2024 December 31, 2024
1 Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris
Implementation of Duties and Responsibilities of the Board 1 1
of Commissioners
2 Pelaksanaan Tugas dan Tanggung Jawab Direksi
Implementation of Duties and Responsibilities of the Board 1 2
of Directors
NOMINASI DAN REMUNERASI DIREKSI DAN DEWAN
KOMISARIS
Remuneration and Nomination of Board of Directors and Board of Commisioners
Pengangkatan anggota Dewan Komisaris dan Direksi serta The appointment of members of the Board of Commissioners
penetapan besaran remunerasi bagi anggota Dewan Komisaris and Directors and the determination of the amount of
dan Direksi merupakan wewenang pemegang saham melalui remuneration for members of the Board of Commissioners and
mekanisme RUPS. Directors are the authority of the shareholders through the GMS
mechanism.
PROSEDUR NOMINASI DEWAN KOMISARIS BOARD OF COMMISSIONERS ANDDIRECTORS
DAN DIREKSI NOMINATION PROCEDURE
Anggota Dewan Komisaris dan Direksi Bank Artha Graha Members of the Board of Commissioners and Board of
Internasional diangkat dan diberhentikan oleh RUPS. Directors of Bank Artha Graha Internasional are appointed
Pemegang Saham Pengendali dapat mengusulkan nama- and dismissed by the GMS. Controlling Shareholders may
nama calon anggota Dewan Komisaris dan Direksi Bank untuk propose the names of candidates for members of the Bank’s
kemudian dilakukan pembahasan oleh Komite Remunerasi Board of Commissioners and Board of Directors for discussion
dan Nominasi. Selain itu, calon anggota Dewan Komisaris dan by the Remuneration and Nomination Committee. In addition,
Direksi Bank Artha Graha Internasional juga dapat berasal dari candidates for the Board of Commissioners and Board of
sumber lainnya. Directors of Bank Artha Graha Internasional may also come
from other sources.
Nama-nama yang diusulkan sebagai calon anggota Dewan The names proposed as candidates for the Board of
Komisaris dan Direksi Bank Artha Graha Internasional harus Commissioners and Board of Directors of Bank Artha Graha
memenuhi kriteria yang ditetapkan dalam Pedoman dan Tata Internasional must meet the criteria set forth in the Board of
Kerja Dewan Komisaris dan Pedoman dan Tata Kerja Direksi, Commissioners’ Charter and Board of Directors’ Charter,
yaitu: namely:
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Kriteria Dewan Komisaris Criteria for the Board of Commissioners
Seluruh anggota Dewan Komisaris PT Bank Artha Graha All members of the Board of Commissioners of PT Bank Artha
Internasional wajib memenuhi kriteria sebagai berikut: Graha Internasional must meet the following criteria:
1. Anggota Dewan Komisaris diangkat oleh RUPS untuk 1. Members of the Board of Commissioners shall be
jangka waktu 1 (satu) periode masa jabatan paling appointed by the GMS for a term of office of up to 3 (three)
lama 3 (tiga) tahun yang dimulai sejak tanggal efektif years, effective from the date of appointment as resolved
pengangkatan anggota Dewan Komisaris oleh RUPS, in the GMS, in accordance with the Bank’s Articles of
sesuai Anggaran Dasar Bank, serta menetapkan kondisi Association, and subject to any other conditions applicable
lain dalam pemenuhan jabatan anggota Dewan Komisaris. to the appointment.
2. Anggota Dewan Komisaris yang masa jabatannya telah 2. Members whose term has ended may be reappointed.
berakhir dapat diangkat kembali;
3. Anggota Dewan Komisaris Independen harus memiliki: 3. Independent Commissioners must possess:
a. Pengetahuan di bidang perbankan yang memadai dan a. Sufficient knowledge in banking that is relevant to the
relevan dengan jabatan sebagai Komisaris Independen; role of Independent Commissioner; and
dan
b. Pengalaman di bidang perbankan dan/atau bidang b. Experience in the banking and/or financial sector.
keuangan
4. Mantan anggota Direksi dan Pejabat Eksekutif atau pihak 4. Former members of the Board of Directors, Executive
yang mempunyai hubungan dengan Bank yang dapat Officers, or parties affiliated with the Bank whose
mempengaruhi kemampuan yang bersangkutan untuk relationship may affect their ability to act independently
bertindak independen wajib menjalani masa tunggu must undergo a minimum cooling-off period of 1 (one) year
paling singkat 1 (satu) tahun sebelum menjadi Komisaris before being appointed as Independent Commissioners at
Independen pada Bank yang bersangkutan. the same Bank.
5. Masa tunggu sebagaimana dimaksud pada poin 4 bagi: 5. The cooling-off period as referred to in point 4 shall be at
a. Mantan Direktur Utama pada Bank; dan least 6 (six) months for:
b. Mantan anggota Direksi yang membawahkan fungsi a. Former Presidents Director of the Bank; and
pengawasan atau Pejabat Eksekutif yang melakukan b. Former Directors who oversaw the supervisory function
fungsi pengawasan pada Bank, paling singkat 6 (enam) or Executive Officers responsible for supervision within
bulan sebelum menjadi Komisaris Independen pada the Bank.
Bank yang bersangkutan.
6. Komisaris Non Independen dapat beralih menjadi 6. Non-Independent Commissioners may transition to
Komisaris Independen pada Bank atau kelompok usaha Independent Commissioners within the same Bank or
bank yang bersangkutan dengan memenuhi persyaratan banking group, provided that they meet the requirements
sebagai Komisaris Independen. for Independent Commissioners.
7. Komisaris Non Independen yang akan beralih menjadi 7. Non-Independent Commissioners who intend to transition
Komisaris Independen pada Bank yang bersangkutan to Independent Commissioners in the same Bank must
sebagaimana dimaksud pada poin 6 wajib menjalani masa undergo a minimum cooling-off period of 1 (one) year.
tunggu paling singkat 1 (satu) tahun.
8. Peralihan dari Komisaris Non Independen menjadi 8. The transition from Non-Independent to Independent
Komisaris Independen wajib memperoleh persetujuan Commissioner must obtain approval from the Financial
Otoritas Jasa Keuangan melalui penilaian kemampuan Services Authority (OJK) through a fit and proper
dan kepatutan sesuai dengan Peraturan Otoritas Jasa assessment in accordance with OJK regulations
Keuangan mengenai penilaian Kemampuan dan Kepatutan concerning fit and proper testing for financial institutions.
bagi lembaga jasa keuangan.
9. Komisaris Independen menjabat untuk jangka waktu 9. Independent Commissioners shall serve a defined term
tertentu dan dapat diangkat kembali setelah mendapatkan and may be reappointed by the GMS for a maximum of 2
persetujuan RUPS, paling banyak untuk 2 (dua) periode (two) consecutive terms.
masa jabatan secara berturut-turut.
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10. Komisaris Independen yang telah menjabat selama 2 10. Independent Commissioners who have served 2 (two)
(dua) periode masa jabatan secara berturut-turut dapat consecutive terms may be reappointed for a subsequent
diangkat kembali pada periode selanjutnya sebagai term by taking into consideration:
Komisaris Independen dengan mempertimbangkan:
a. Hasil penilaian Kinerja Komisaris Independen; a. The performance evaluation of the Independent
Commissioner;
b. Hasil penilaian rapat Dewan Komisaris yang menyatakan b. The result of the Board of Commissioners’ meeting stating
bahwa Komisaris Independen tetap dapat bertindak that the Independent Commissioner remains capable of
independen; acting independently;
c. Hasil penilaian oleh kepala satuan kerja audit intern dan c. The assessment from the Head of Internal Audit and
Pejabat Eksekutif yang membawahkan fungsi sumber the Executive Officer responsible for human resources
daya manusia yang menyatakan bahwa Komisaris confirming the Independent Commissioner’s continued
Independen tetap dapat bertindak independen; dan ability to act independently; and
d. Pernyataan Komisaris Independen dalam RUPS d. A declaration of independence by the Independent
mengenai independensi yang bersangkutan. Commissioner at the GMS.
Kriteria Direksi Criteria for the Board of Directors
Berdasarkan Pedoman dan Tata Tertib Kerja Direksi, calon Based on the Guidelines and Rules of Procedure for the Board
anggota Direksi Bank harus memenuhi kriteria sebagai berikut: of Directors, candidates for the Bank’s Board of Directors must
meet the following criteria:
1. Anggota Direksi wajib memenuhi integritas seperti: 1. Members of the Board of Directors must meet integrity
requirements, including:
a. Memiliki akhlak dan moral yang baik; a. Having good character and morals;
b. Memiliki komitmen untuk mematuhi peraturan b. Demonstrating commitment to comply with the laws
perundang-undangan termasuk ketentuan dan and regulations, including the Bank’s provisions and
peraturan Bank serta mendukung kebijakan Otoritas regulations, as well as supporting the policies of the
Jasa Keuangan; Financial Services Authority;
c. Memiliki komitmen terhadap pengembangan kegiatan c. Demonstrating commitment to the development of a
usaha Bank yang sehat; sound Bank business;
d. Tidak Sedang menjalani konsekuensi hasil akhir dari d. Not currently undergoing the consequences of a final result
penilaiankembali pihak utama dengan predikat tidak of a reassessment of key parties with an “unqualified”
lulus dan/atau tidak termasuk dalam daftar tidak lulus; rating and/or not included in the disqualified list; and
dan
e. Cakap dalam melakukan perbuatan hukum. e. Being legally competent to take legal action.
2. Kompetensi yang paling kurang terdiri dari: 2. The minimum competency requirements include:
a. Memiliki pengetahuan dan/atau kompetensi (keahlian) a. Possessing adequate knowledge and/or competence
yang memadai di bidang yang dibutuhkan dalam (expertise) in areas required for Bank management and
pengelolaan Bank dan relevan dengan jabatannya; relevant to the position held;
b. Melakukan pengelolaan strategis dalam rangka b. Conducting strategic management to develop a sound
pengembangan Bank yang sehat, antara lain: Bank, including:
i. Menjalankan peran kepemimpinan dalam mencapai i. Playing a leadership role in creating sustainable
penciptaan nilai yang berkelanjutan (value creation) value through the following efforts:
melalui upaya sebagai berikut:
• Kompetitif dan visioner yang ditunjukkan • Being competitive and visionary, as shown by a
dengan memiliki komitmen pada kinerja jangka commitment to long-term performance;
panjang;
• Memiliki sikap beretika dan bertanggung • Acting ethically and responsibly in conducting
jawab dalam menjalankan kegiatan bisnis, the Bank’s business, operational, and service
operasional, dan layanan Bank; activities;
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• Berkontribusi terhadap masyarakat dan • Contributing to society and the environment;
lingkungan; dan and
• Memiliki kemampuan dalam beradaptasi, • Possessing the ability to adapt, survive, and grow.
bertahan, dan bertumbuh.
ii. Mengelola dan menjalankan rencana strategis Bank ii. Managing and executing the Bank’s strategic
(jangka panjang, menengah, dan pendek) dengan plans (long-, medium-, and short-term) through
inovasi dan pemanfaatan teknologi informasi terkini innovation and the effective use of up-to-date
secara efektif, berdaya saing, dan mengedepankan information technology, in a competitive manner,
prinsip kehati-hatian; and by prioritizing prudential principles;
iii. M e njalankan dan m e mimpin p e ne rapan iii. Leading and implementing risk management and
manajemen risiko dan sistem pengendalian internal internal control systems effectively and efficiently,
secara efektif dan efisien yang selaras dengan visi, in alignment with the Bank’s vision, mission, and
misi, dan strategi Bank serta mematuhi peraturan strategy, as well as in compliance with applicable
perundang-undangan dan standar yang berlaku; laws and standards;
iv. Mendukung dan melaksanakan pengembangan iv. Supporting and implementing the development of
kualitas sumber daya manusia Bank; the Bank’s human resource quality;
v. Memastikan akuntabilitas dan integritas sistem v. Ensuring accountability and integrity of financial
keuangan dan pelaporan, termasuk laporan and reporting systems, including sustainable
keuangan berkelanjutan, secara tepat waktu dan financial reports, in a timely and accurate manner
akurat yang sesuai ketentuan dan standar yang in accordance with applicable provisions and
berlaku; dan standards; and
vi. Memastikan dukungan terhadap kewenangan dan vi. Ensuring support for the authority and supporting
perangkat pendukung dewan pengawas syariah instruments of the Sharia Supervisory Board to
agar dapat melaksanakan tugas dengan efektif. perform their duties effectively.
c. Memiliki pengetahuan tentang Indonesia, terutama c. Possessing knowledge of Indonesia, particularly
mengenai ekonomi, budaya, dan bahasa Indonesia, regarding its economy, culture, and language, for
bagi anggota Direksi yang merupakan tenaga kerja members of the Board of Directors who are foreign
asing sesuai dengan Peraturan Otoritas Jasa Keuangan workers, in accordance with the Financial Services
mengenai pemanfaatan tenaga kerja asing dan program Authority regulations on the employment of foreign
alih pengetahuan di sektor perbankan. workers and knowledge transfer programs in the banking
sector.
3. Reputasi keuangan yang paling kurang yaitu: 3. Minimum financial reputation requirements include:
a. Tidak memiliki kredit dan/atau pembiayaan macet; a. Not having non-performing loans and/or financing;
b. Tidak pernah dinyatakan pailit; b. Never having been declared bankrupt;
c. Tidak pernah menjadi anggota Direksi dan/atau c. Never having served as a member of the Board of
anggota Dewan Komisaris yang dinyatakan bersalah Directors and/or Board of Commissioners who was found
menyebabkan suatu perusahaan dinyatakan pailit; guilty of causing a company to be declared bankrupt;
d. Tidak pernah dihukum karena melakukan tindak pidana d. Never having been convicted of a criminal offense that
yang merugikan keuangan negara dan/atau yang harmed state finances and/or related to the financial
berkaitan dengan sektor keuangan; sector;
e. Menyelenggarakan RUPS tahunan; e. Holding an annual GMS (General Meeting of Shareholders);
f. Pertanggungjawabannya sebagai anggota Direksi dan/ f. Having their accountability as a member of the Board
atau anggota Dewan Komisaris selalu diterima oleh of Directors and/or Board of Commissioners always
RUPS atau selalu memberikan pertanggungjawaban accepted by the GMS or always submitting such
sebagai anggota Direksi dan/atau anggota Dewan accountability to the GMS;
Komisaris kepada RUPS;
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g. Tidak pernah menyebabkan perusahaan yang g. Never having caused a company that obtained a license,
memperoleh izin, persetujuan, atau pendaftaran dari approval, or registration from the Financial Services
Otoritas Jasa Keuangan tidak memenuhi kewajiban Authority to fail in submitting annual reports and/or
menyampaikan laporan tahunan dan/atau laporan financial reports to the Financial Services Authority and/
keuangan kepada Otoritas Jasa Keuangan dan/atau or for the annual reports and/or financial reports to not
laporan tahunan dan/atau laporan keuangan tidak be approved and/or ratified by the GMS;
disetujui dan/atau disahkan oleh RUPS;
h. Mendukung pelaksanaan pengelolaan Bank yang h. Supporting the implementation of sound Bank
sehat; dan management; and
i. Menjaga reputasi bank. i. Upholding the Bank’s reputation.
4. Tidak termasuk dalam daftar orang yang dilarang menjadi 4. Not included in the list of individuals prohibited from
Pemegang Saham dan/atau pengurus Bank dan/atau becoming shareholders and/or management of a Bank
Bank Perkreditan Rakyat sesuai dengan ketentuan yang and/or Rural Bank in accordance with the provisions set
ditetapkan oleh Otoritas Jasa Keuangan. by the Financial Services Authority.
5. Tidak pernah melakukan tindakan tercela di bidang 5. Never committed disgraceful acts in banking, finance, or
perbankan, keuangan dan usaha lainnya, tidak pernah other business sectors; never been convicted of criminal
dihukum karena terbukti melakukan tindak pidana acts; and not currently subject to sanctions prohibiting
kejahatan, dan tidak sedang dalam masa pengenaan appointment as Bank or Rural Bank management as
sanksi untuk dilarang menjadi pengurus Bank atau Bank stipulated in the Fit and Proper Test regulations issued by
Perkreditan Rakyat sebagaimana diatur dalam ketentuan the Financial Services Authority.
Penilaian Kemampuan dan Kepatuhan (Fit & Proper Test)
yang ditetapkan Otoritas Jasa Keuangan. 6. The majority of members of the Board of Directors must
6. Mayoritas anggota Direksi dilarang saling memiliki not have family relationships up to the second degree with
hubungan keluarga sampai derajat kedua dengan other members of the Board of Directors and/or members
sesama anggota Direksi dan/atau dengan anggota Dewan of the Board of Commissioners.
Komisaris. 7. Never been declared bankrupt and never served as a
7. Tidak pernah dinyatakan pailit dan tidak pernah menjadi shareholder, member of the Board of Directors, or member
pemegang saham, anggota Direksi atau anggota Dewan of the Board of Commissioners who was found guilty of
Komisaris yang dinyatakan bersalah menyebabkan suatu causing a company to be declared bankrupt based on
perseroan dinyatakan pailit berdasarkan ketetapan a court ruling within 5 (five) years before the date of
pengadilan dalam waktu 5 (lima) tahun sebelum tanggal application or nomination as a member of the Board of
pengajuan atau tanggal pencalonan sebagai anggota Directors.
Direksi 8. Specifically for the President Director, must be independent
8. Khusus bagi Direktur Utama, merupakan pihak yang of the Bank owner or controlling shareholder.
independen terhadap pemilik Bank atau pemegang saham
pengendali. 9. Never served as a member of the Board of Directors and/
9. Tidak pernah menjadi anggota Direksi dan/atau anggota or Board of Commissioners who during their tenure:
Dewan Komisaris yang selama menjabat: a. Failed to hold an Annual GMS;
a. Pernah tidak menyelenggarakan RUPS Tahunan; b. Had their accountability as a member of the Board of
b. Pertanggungjawabannya sebagai anggota Direksi Directors and/or Board of Commissioners not accepted
dan/atau anggota Dewan Komisaris pernah tidak by the GMS or failed to submit such accountability to
diterima oleh RUPS atau pernah tidak memberikan the GMS; and
pertanggungjawabannya sebagai anggota Direksi dan/
atau anggota Dewan Komisaris kepada RUPS; dan c. Caused a company that obtained a license, approval, or
c. Pernah menyebabkan perusahaan yang memperoleh registration from the Financial Services Authority to fail in
izin, persetujuan, atau pendaftaran dari OJK tidak submitting annual reports and/or financial reports to the
memenuhi kewajiban menyampaikan laporan tahunan Financial Services Authority. The requirements as referred
dan/atau laporan keuangan kepada OJK. Persyaratan to in this provision must be fulfilled throughout the term
sebagaimana dimaksud dalam ketentuan ini wajib of office of the member of the Board of Directors.
dipenuhi selama masa jabatan anggota Direksi.
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Mekanisme Nominasi Dewan Komisaris dan Direksi
Nomination Mechanism for the Board of Commissioners and
the Board of Directors
Rekomendasi Pengesahan
Recommendation Endorsement
• Pemegang Saham
• Komite • Dewan Komisaris • RUPS
Pengendali
Remunerasi dan Board of GMS
Controlling
Nominasi Commissioners
Shareholders
Remuneration
• Sumber Iainnya
and Nomination
Other Sources
Committee
Penjaringan dan
Pengusulan
Pengusulan Calon
Proposal
Screening and Nomination
of Candidates
Setelah dilakukan pembahasan oleh Komite Remunerasi dan After discussion by the Remuneration and Nomination
Nominasi, kemudian nama calon anggota Dewan Komisaris Committee, the names of candidates for the Board of
dan Direksi diajukan kepada Dewan Komisaris untuk dimintakan Commissioners and Board of Directors are submitted to the
persetujuannya pada saat RUPS. Board of Commissioners for approval at the GMS.
PROSEDUR PENGUSULAN DAN PENETAPAN PROCEDURES FOR PROPOSING AND
REMUNERASI DEWAN KOMISARIS DAN DETERMINING REMUNERATION OF BOARD
DIREKSI OF COMMISSIONERS AND DIRECTORS
Besaran remunerasi serta fasilitas lain yang diberikan bagi The amount of remuneration and other facilities provided
Dewan Komisaris dan Direksi ditetapkan oleh RUPS Tahunan for the Board of Commissioners and Board of Directors are
dengan memperhatikan rekomendasi dari Komite Remunerasi determined by the Annual GMS by taking into account the
dan Nominasi. Komite Remunerasi dan Nominasi memberikan recommendations of the Remuneration and Nomination
kajian dan rekomendasi atas remunerasi bagi Dewan Komisaris Committee. The Remuneration and Nomination Committee
dan Direksi Bank Artha Graha Internasional untuk selanjutnya provides a review and recommendation on the remuneration
akan ditinjau ulang oleh RUPS sebagai organ tertinggi untuk for the Board of Commissioners and Board of Directors of Bank
penentuan dan persetujuannya. Remunerasi Direksi yang telah Artha Graha Internasional to be reviewed by the GMS as the
disetujui RUPS akan didelegasikan implementasinya kepada highest organ for determination and approval. The remuneration
Dewan Komisaris. of the Board of Directors approved by the GMS will be delegated
for implementation to the Board of Commissioners.
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Usulan remunerasi Penelaahan dalam Rekomendasi Dewan Komisaris RUPS memutuskan
calon anggota rapat Komite kepada Dewan menyampaikan besaran remunerasi
Dewan Komisaris Remunerasi dan Komisaris kepada RUPS Dewan Komisaris
dan Direksi Nominasi dan Direksi
Recommendation The Board of
Proposed Reviews in to the Board of Commissioners The GMS decides
remuneration Remuneration Commissioners submits to the GMS the amount Of
for candidates and Nomination remuneration
for the Board of Committee for the Board of
Commissioners and meetings Commissioners and
Board of Directors Board of Directors
DASAR PENETAPAN REMUNERASI DEWAN B A S I S F O R D E T E R M I N AT I O N OF
KOMISARIS DAN DIREKSI R E M U N E R AT I O N O F B O A R D OF
COMMISSIONERS AND DIRECTORS
Dalam menetapkan remunerasi Dewan Komisaris dan Direksi, In determining the remuneration of the Board of Commissioners
Bank Artha Graha Internasional berpedoman kepada Peraturan and Board of Directors, Bank Artha Graha Internasional is
Otoritas Jasa Keuangan No. 45/POJK.03/2015 dan Surat guided by Financial Services Authority Regulation No. 45/
Edaran Otoritas Jasa Keuangan No. 40/SEOJK.03/2016 POJK.03/2015 and Financial Services Authority Circular Letter
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi No. 40/SEOJK.03/2016 onthe Implementation of Governance
bagi Bank Umum. in the Provision of Remuneration for Commercial Banks.
PENGUNGKAPAN INDIKATOR PENETAPAN D I S C LO S U R E O F I N D I C ATO R S FO R
REMUNERASI DEWAN KOMISARIS DAN DETERMINATION OF REMUNERATION OF
DIREKSI BOARD OF COMMISSIONERS AND DIRECTORS
Beberapa indikator yang menjadi dasar penetapan remunerasi Some of the indicators that form the basis for determining
Dewan Komisaris dan Direksi Bank Artha Graha Internasional the remuneration of the Board of Commissioners and Board
yang mengacu kepada pencapaian kinerja Bank dan individual of Directors of Bank Artha Graha Internasional, which refers
adalah sebagai berikut: to the Bank’s and individual performance achievements, areas
follows:
1. Kinerja keuangan dan pemenuhan cadangan, sebagaimana 1. Financial performance and fulfillment of reserves, as
diatur dalam peraturan perundang-undangan; stipulated in laws and regulations;
2. Prestasi kerja individu; 2. Individual work performance;
3. Kewajaran dengan peer group; dan 3. Fairness with peer group; and
4. Pertimbangan dan strategi jangka panjang Bank. 4. Long-term considerations and strategies of the Bank.
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PENANGGUHAN ATAU PENARIKAN KEMBALI SUSPENSION OR WITHDRAWAL OF BOARD
REMUNERASI DEWAN KOMISARIS DAN OF COMMISSIONERS AND DIRECTORS
DIREKSI REMUNERATION
Penangguhan atau penarikan kembali remunerasi Dewan Suspension or withdrawal of remuneration for the Board of
Komisaris dan Direksi berlaku apabila Bank mengalami Commissioners and Board of Directors applies if the Bank
kerugian. Kerugian tersebut menyebabkan Bank tidak dapat suffers losses. The loss causes the Bank to be unable to distribute
membagikan remunerasi secara penuh ataupun yang bersifat remuneration in full or which is variable with a relatively small
variabel dengan nilai yang relatif kecil. Hal ini sebagaimana value. This is as stipulated in the regulations on remuneration for
diatur dalam peraturan pemberian remunerasi bagi Bank Commercial Banks.
Umum.
Selain itu, Bank juga wajib menangguhkan pembayaran In addition, the Bank is also obliged to suspend the payment of
remunerasi Dewan Komisaris dan Direksi yang bersifat variabel variable remuneration of the Board of Commissioners and the
(malus) atau menarik kembali remunerasi yang bersifat variabel Board of Directors (malus) or withdraw the variable remuneration
yang sudah dibayarkan (clawback), jika kondisi Bank mengalami that has been paid (clawback), if the Bank experiences a loss.
kerugian. Kerugian yang dimaksud dalam hal ini adalah yang The losses referred to in this case are those that have a negative
berdampak negatif terhadap keuangan Bank, seperti fraud impact on the Bank’s finances, such as fraud committed by
yang dilakukan oleh pihak yang menjadi material risk takers parties who become material risk takers that harm the Bank,
sehingga merugikan Bank, atau kondisi lainnya. Penangguhan or other conditions. The suspension can be implemented with
dapat dilaksanakan dengan jangka waktu minimal selama 3 a minimum period of 3 (three) years and can be adjusted to be
(tiga) tahun dan dapat disesuaikan menjadi lebih panjang, sesuai longer, according to the period of risk. If this occurs, the Board
dengan jangka waktu risiko. Apabila hal tersebut terjadi, maka of Commissioners and Board of Directors are prohibited from
Dewan Komisaris dan Direksi dilarang melakukan tindakan hedging the deferred variable remuneration.
lindung nilai atas remunerasi yang bersifat variabel yang
ditangguhkan.
KAITAN REMUNERASI DEWAN KOMISARIS LINKAGE OF BOARD REMUNERATION TO RISK
DAN DIREKSI DENGAN RISIKO DAN KINERJA AND PERFORMANCE
Sebagaimana telah dijelaskan dalam penangguhan atau As explained in the suspension or withdrawal of the remuneration
penarikan kembali remunerasi Dewan Komisaris dan Direksi, of the Board of Commissioners and the Board of Directors, the
Remunerasi Dewan Komisaris dan Direksi erat kaitannya dengan remuneration of the Board of Commissioners and the Board
risiko dan kinerja Bank. Risiko-risiko akan selalu ada, akan tetapi of Directors is closely related to the risks and performance of
tergantung dari seberapa besar dampak yang ditimbulkan dan the Bank. Risks will always exist, but it depends on how big the
lamanya jangka waktu risiko tersebut. impact is and the duration of the risk.
PENGUNGKAPAN MATERIAL RISK-TAKER MATERIAL RISK-TAKER DISCLOSURE
Dengan mengacu kepada POJK No.45/POJK.03/2015 tentang With reference to POJK No. 45/POJK.03/2015 concerning the
Penerapan Tata Kelola dalam pemberian Remunerasi bagi Bank Implementation of Governance in the provision of Remuneration
Umum, pihak yang menjadi material risk taker sesuai Pedoman for Commercial Banks, the parties whoare material risk takers
Kebijakan Perusahaan No.0033.02.1 tanggal 21 Februari 2020 according to the Corporate Policy Manual No. 0033.02.1
perihal Penerapan Tata Kelola Dalam Pemberian Remunerasi dated February 21, 2020 concerning the Implementation of
PT Bank Artha Graha Internasional Tbk sebagai berikut: Governance in the Provision of Remuneration of PT Bank Artha
Graha Internasional Tbk as follows:
1. Seluruh Direksi. 1. All Directors.
2. Pejabat dan business unit, yaitu: 2. Officers and business units, namely:
a. Business UMKM & Konsumer (Regional Head & a. MSME & Consumer Business (Regional Head & Executive
Executive Officer); Officer);
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b. Business Korporasi & Komersial dan Treasury (Regional b. Corporate & Commercial Business and Treasury
Head, Deputy Director & Executive Officer); (Regional Head, Deputy Director & Executive Officer);
3. Deputy Director, Executive Officer, dan Senior Officer KPNO 3. Deputy Director, Executive Officer, and Senior Officer of
maupun cabang yang memiliki BWMK (Batas Wewenang KPNO and branches that have BWMK (Limit of Authority
Memutus Kredit) di luar daftar pejabat pada poin 2 (dua) to Terminate Credit) outside the list of officers in point 2
di atas. above.
STRUKTUR REMUNERASI DEWAN KOMISARIS REMUNERATION STRUCTURE OF BOARD OF
DAN DIREKSI COMMISSIONERS AND BOARD OF DIRECTORS
Pada tahun 2024, Bank Artha Graha Internasional menentukan In 2024, Bank Artha Graha Internasional determined the
struktur remunerasi Dewan Komisaris dan Direksi yang terdiri remuneration structure of the Board of Commissioners and
dari honorarium, benefit yang sesuai dengan ketentuan Bank the Board of Directors consisting of honorarium, benefits in
yang besarannya pada tahun 2024 adalah sebagai berikut: accordance with the provisions of the Bank whose amount in
2024 is as follows:
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Remunerasi dan Fasilitas
Remuneration and Facilities
Jumlah Rp (Juta) Jumlah Rp (Juta)
Total Rp (Million) Total Rp (Million)
Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas
lainnya dalam bentuk non-natura)
5 16.382 5 16.205
Remuneration (salary, bonus, regular allowances, profit sharing,
and other non-cash benefits)
Fasilitas lain dalam bentuk natura (perumahan, transportasi
dan sebagainya) dalam ekuivalen Rupiah yang:
Other facilities in kind (housing, transportation, etc.) in Rupiah
equivalent that:
1. Dapat dimiliki
- - - -
Can be owned
2. Tidak dimiliki
Not owned
3. Perumahan
- - - -
Housing
4. Transportasi
4 1.651 4 1.674
Transportation
5. Asuransi Kesehatan
3 502 4 710
Health Insurance
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Jumlah Dewan Komisaris
Kisaran Jumlah Remunerasi per
Number of Board of Jumlah Direksi
Tahun
Commissioners Number of Board of Directors
Range of Remuneration Amount per Year
Di atas Rp2 miliar
4 4
Above IDR2 billion
Di atas Rp1 miliar - Rp2 miliar
1 -
Above IDR1 billion - IDR2 billion
Di atas Rp500 juta - Rp1 miliar
- 1
Above IDR500 million - IDR1 billion
Rp500 juta ke bawah
- -
IDR500 million and below
Keterangan Rasio
No
Description Ratio
1 Rasio Gaji Pegawai yang Tertinggi dan Terendah 46,29 : 1
Salary Ratio of the Highest and Lowest Employee
2 Rasio Gaji Direksi yang Tertinggi dan Terendah 4,00 : 1
Salary Ratio of the Highest and Lowest Director
3 Rasio Gaji Dewan Komisaris yang Tertinggi dan Terendah 3,41 :1
Salary Ratio of the Highest and Lowest Commissioner
4 Rasio Gaji Direksi yang Tertinggi dan Pegawai Tertinggi 2,79 : 1
Salary Ratio of the Highest Director and Highest Employee
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ORGAN PENDUKUNG DEWAN KOMISARIS
Supporting Organs of the Board of Commissioners
Dalam menjalankan tugas pengawasan, penasihatan maupun In supervising the management of the Bank, the Board of
pengarahan terhadap pengelolaan Bank, Dewan Komisaris Commissioners is assisted by Committees that are responsible
dibantu oleh Komite-komite yang bertanggung jawab kepada to the Board of Commissioners, including:
Dewan Komisaris, mencakup:
1. Komite Audit 1. Audit Committee
2. Komite Pemantau Risiko 2. Risk Monitoring Committee
3. Komite Remunerasi dan Nominasi 3. Remuneration and Nomination Committee
KOMITE AUDIT
Audit Committee
Sebagai salah satu organ pendukung Dewan Komisaris, Komite The Audit Committee, as a supporting organ of the Board of
Audit bertugas membantu dan mendukung Dewan Komisaris Commissioners, is tasked with assisting and supporting the
dalam memenuhi tugas dan fungsi pengawasan terhadap hal- Board of Commissioners in fulfilling its duties and supervisory
hal yang berhubungan dengan informasi keuangan, sistem functions on matters relating to financial information, internal
pengendalian internal, serta efektivitas pemeriksaan yang control systems, and the effectiveness of audits conducted by
dilakukan oleh auditor internal maupun eksternal. internal and external auditors.
DASAR HUKUM LEGAL BASIS
Pembentukan Komite Audit Bank Artha Graha Internasional The establishment of the Audit Committee of Bank Artha Graha
berpedoman kepada Peraturan Otoritas Jasa Keuangan No. Internasional is guided by the Financial Services Authority
55/POJK.04/2015 tentang Pembentukan dan Pedoman Regulation No. 55/POJK.04/2015 on the Establishment and
Pelaksanaan Kerja Komite Audit. Implementation Guideline of the Audit Committee.
PEDOMAN DAN TATA TERTIB KERJA KOMITE AUDIT COMMITTEE CHARTER
AUDIT
Komite Audit Bank Artha Graha Internasional telah memiliki The Audit Committee of Bank Artha Graha Internasional has an
Pedoman dan Tata Tertib Kerja Komite Audit sebagai pedoman Audit Committee Charter as a guideline in carrying out its roles,
dalam menjalankan peran, tugas dan tanggung jawabnya duties and responsibilities to assist the Board of Commissioners.
membantu Dewan Komisaris. Pedoman dan Tata Tertib Kerja The Audit Committee Charter No. 0003.02.0 dated December
Komite Audit No. 0003.02.0 tanggal 9 Desember 2016 9, 2016 covers the legal basis, authority, duties, responsibilities,
mencakup dasar hukum, wewenang, tugas, tanggung jawab, committee organizational structure and meeting procedures.
struktur organisasi komite hingga tata cara pelaksanaan rapat.
KRITERIA ANGGOTA KOMITE AUDIT AUDIT COMMITTEE MEMBER CRITERIA
Kriteria Anggota Komite Audit adalah sebagai berikut: The criteria for Audit Committee Members are as follows:
1. Wajib memiliki integritas yang tinggi, kemampuan, 1. Must have high integrity, ability, knowledge, experience
pengetahuan, pengalaman sesuai dengan bidang in accordance with the field of work, and be able to
pekerjaannya, serta mampu berkomunikasi dengan baik; communicate well;
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2. Wajib memahami laporan keuangan, bisnis perusahaan 2. Must understand financial statements, the company’s
khususnya yang terkait dengan layanan jasa atau kegiatan business, especially those related to services or business
usaha Emiten atau Perusahaan Publik, proses audit, activities of the Issuer or Public Company, the audit process,
manajemen risiko, dan peraturan perundang- undangan di risk management, and laws and regulations in the field of
bidang Pasar Modal serta peraturan perundang-undangan Capital Markets and other relevant laws and regulations;
terkait lainnya;
3. Wajib mematuhi kode etik Komite Audit yang ditetapkan 3. Must comply with the Audit Committee code of ethics
oleh Emiten atau Perusahaan Publik; established by the Issuer or Public Company;
4. Bersedia meningkatkan kompetensi secara terus menerus 4. Willing to improve competence continuously through
melalui pendidikan dan pelatihan; education and training;
5. Wajib memiliki paling sedikit 1 (satu) anggota yang berlatar 5. Must have at least 1 (one) member with educational
belakang pendidikan dan keahlian di bidang akuntansi background and expertise in accounting and finance;
dan keuangan;
6. Bukan merupakan orang dalam Kantor Akuntan Publik, 6. Not an insider of a Public Accounting Firm, Legal Consultant
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik atau Firm, Public Appraisal Service Firm or other parties providing
pihak lain yang memberi jasa asuransi, jasa non-asuransi, insurance services, non-insurance services, appraisal
jasa penilai dan/atau jasa konsultasi lain kepada Emiten services and/or other consulting services to the relevant
atau Perusahaan Publik yang bersangkutan dalam waktu Issuer or Public Company within the last 6 (six) months;
6 (enam) bulan terakhir;
7. Bukan merupakan orang yang bekerja atau mempunyai 7. Not a person who works or has the authority and
wewenang dan tanggung jawab untuk merencanakan, responsibility to plan, lead, control, or supervise the
memimpin, mengendalikan, atau mengawasi kegiatan activities of the Issuer or Public Company within the last 6
Emiten atau Perusahaan Publik tersebut dalam waktu (six) months, except for Independent Commissioner;
6 (enam) bulan terakhir, kecuali Komisaris Independen;
8. Tidak mempunyai saham langsung maupun tidak langsung 8. Does not have direct or indirect shares in the Issuer or
pada Emiten atau Perusahaan Publik; Public Company;
9. Dalam hal anggota Komite Audit memperoleh saham 9. In the event that a member of the Audit Committee acquires
Emiten atau Perusahaan Publik baik langsung maupun shares of the Issuer or Public Company either directly or
tidak langsung akibat suatu peristiwa hukum, saham indirectly as a result of a legal event, such shares must be
tersebut wajib dialihkan kepada pihak lain dalam jangka transferred to another party within a maximum period of 6
waktu paling lama 6 (enam) bulan setelah diperolehnya (six) months after the acquisition of such shares;
saham tersebut;
10. Tidak mempunyai hubungan Afiliasi dengan anggota 10. Has no affiliation with members of the Board of
Dewan Komisaris, anggota Direksi, atau Pemegang Saham Commissioners, members of the Board of Directors, or
Utama Emiten atau Perusahaan Publik; dan Major Shareholders of Issuers or Public Companies; and
11. Tidak mempunyai hubungan usaha baik langsung maupun 11. Has no direct or indirect business relationship related to
tidak langsung yang berkaitan dengan kegiatan usaha the business activities of the Issuer or Public Company.
Emiten atau Perusahaan Publik.
SUSUNAN, JUMLAH, KOMPOSISI, DAN DASAR STRUCTURE, NUMBER, COMPOSITION,
PENGANGKATAN KOMITE AUDIT AND BASIS OF APPOINTMENT OF AUDIT
COMMITTEE
Komposisi struktur Komite Audit wajib memperhatikan indikator The composition of the Audit Committee structure must
berikut: consider the following indicators:
1. Komite Audit paling sedikit terdiri dari 3 (tiga) orang 1. The Audit Committee consists of at least 3 (three) members
anggota yang berasal dari Komisaris Independen dan from Independent Commissioners and parties from outside
pihak dari luar perusahaan; the company; and
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2. Anggota Komite Audit sekurang-kurangnya terdiri dari: 2. Members of the Audit Committee shall consist of at least:
a. 1 (satu) orang Komisaris Independen sebagai ketua a. 1 (one) Independent Commissioner as Chairperson and
merangkap anggota; concurrent member;
b. 1 (satu) orang pihak independen yang memiliki keahlian b. 1 (one) independent party who has expertise in finance
di bidang keuangan atau akuntansi; or accounting;
c. 1 (satu) orang pihak independen yang memiliki keahlian c. 1 (one) independent party who has expertise in the field
di bidang hukum atau perbankan. of law or banking.
Berdasarkan Surat Keputusan Komisaris No. 002/BAGI-KOM/ Based on Commissioner Decree No. 002/BAGI-KOM/ XII/2023
XII/2023 tanggal 06 Desember 2023, Susunan Komite Audit dated December 6, 2023, the composition of the Audit
per tanggal 31 Desember 2024 adalah sebagai berikut: Committee as of December 31, 2024 is as follows:
Nama Jabatan Dasar Pengangkatan Periode Keahlian Keterangan
Name Position Basis for Appointment Period Expertise Description
Pesta Uli Ketua • Surat Keputusan Komisaris No. 2023-2026 Akuntansi Komisaris Independen
Sitanggang Chairperson 002/BAGI-KOM/XII/2023 tanggal Accounting Independent
06 Desember 2023; dan Commissioner
• Surat Keputusan Direksi No. SK-
MT/HC/0007/XII/2023 tanggal 06
Desember 2023
• Board of Commissioner Decree No.
002/BAGI KOM/ XII/2023 dated
December 06, 2023
• Board of Director Decree No.
SK-MT/HC/0007/XII/2023 dated
December 06, 2023
Suryani Purwita Anggota • Surat Keputusan Komisaris No. 2023-2026 Akuntansi Pihak Independen
Member 002/BAGI-KOM/XII/2023 tanggal Accounting Independent Party
06 Desember 2023; dan
• Surat Keputusan Direksi No. SK-
MT/HC/0008/XII/2023 tanggal 06
Desember 2023
• Board of Commissioner Decree No.
002/BAGI-KOM/ XII/2023 dated
December 06, 2023
• Board of Director Decree No.SK-
MT/HC/0008/ XII/2023 dated
December 06, 2023
Anas Latief Anggota • Surat Keputusan Komisaris No. 2023-2026 Perbankan/ Pihak Independen
Member 002/BAGI-KOM/XII/2023 tanggal Manajemen Risiko Independent Party
06 Desember 2023; dan Banking/ Risk
• Surat Keputusan Direksi No. SK- Management
MT/HC/0009/XII/2023 tanggal 06
Desember 2023
• Board of Commissioner Decree No.
002/BAGI-KOM/ XII/2023 dated
December 06, 2023
• Board of Director Decree No.SK-
MT/HC/0009/ XII/2023 dated
December 06, 2023
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PROFIL KOMITE AUDIT AUDIT COMMITTEE PROFILE
Profil Pesta Uli Sitanggang sebagai Ketua Komite Audit telah The profile of Pesta Uli Sitanggang as Chairperson of the Audit
disampaikan pada bab Profil Perusahaan dalam buku Laporan Committee is presented in the Company Profile chapter in this
Tahunan ini. Adapun profil Suryani Purwita dan Anas Latief Annual Report. The profiles of Suryani Purwita and Anas Latief
adalah sebagai berikut: are as follows:
Nama
Suryani Purwita
Name
Jabatan Anggota Komite Audit
Position Audit Committee Member
• Surat Keputusan Komisaris No.002/BAGI-KOM/XII/2023, tanggal 06 Desember 2023
• Surat Keputusan Direksi No. SK-MT/SDM/0002/XI/2022, tanggal 01 November 2022
Dasar Hukum Penunjukan • Surat Keputusan Direksi No. SK-MT/SDM/0006/X/2021, tanggal 25 Oktober 2021
Legal Basis of Appointment • Board of Commissioners Decree No.002/BAGI KOM/XII/2023, dated December 06, 2023
• Board of Directors Decree No. SK-MT/SDM/0002/XI/2022, dated November 01, 2022
• Board of Directors Decree No. SK-MT/SDM/0006/X/2021, dated October 25, 2021
Usia
65 tahun | year
Age
Kewarganegaraan dan Domisili WNI, Jakarta
Citizenship and Domicile Jakarta, Indonesia
Riwayat Pendidikan Sarjana Ekonomi Jurusan Akuntansi Universitas Trisakti, Jakarta (1984)
Education Bachelor of Economics, Accounting Department, Trisakti University (1984)
• Komisaris Independen PT Bank Artha Graha Internasional Tbk (2005-2012).
• Komisaris PT Bank Artha Graha (2004-2005);
• Direktur Consumer Banking PT Bank Artha Graha (1999-2004); dan
Riwayat Pekerjaan • Direktur Marketing & SDM PT Bank Artha Pratama (1998-1999);
Career History • Independent Commissioner of PT Bank Artha Graha Internasional Tbk (2005-2012).
• Commissioner of PT Bank Artha Graha (2004-2005);
• Director of Consumer Banking PT Bank Artha Graha (1999-2004); and
• Marketing & HR Director of PT Bank Artha Pratama (1998-1999);
Nama
Anas Latief
Name
Jabatan Anggota Komite Audit
Position Audit Committee Member
Dasar Hukum Penunjukan Surat Keputusan Komisaris No. 002/BAGI-KOM/XII/2023, tanggal 06 Desember 2023
Legal Basis of Appointment Board of Commissioners Decree No. 002/BAGI-KOM/XII/2023, dated December 06, 2023
Usia
64 tahun | year
Age
Kewarganegaraan dan Domisili WNI, Jakarta
Citizenship and Domicile Jakarta, Indonesia
Riwayat Pendidikan Sarjana Ekonomi Jurusan Manajemen Universitas Hasanuddin, Makasar (1986).
Education Bachelor of Economics, Department of Management, Hasanuddin University, Makassar (1986).
• Direktur Kepatuhan & Direktur Independen PT Bank Artha Graha Internasional Tbk (2019-2023).
• Direktur Operasional, Finance, Accounting, Sysdur dan Administrasi Kredit PT Bank Artha Graha
Internasional Tbk (2014-2019);
• Kepala Divisi diberbagai Bidang di PT Bank Artha Graha Internasional Tbk (2009-2014); dan
Riwayat Pekerjaan • Direktur Utama Bank Pembangunan Daerah Sulawesi Tenggara (2005-2009);
Career History • Compliance Director & Independent Director of PT bank Artha Graha International Tbk (2019-2013);
• Director of Operations, Finance, Accounting, Sysdur and Credit Administration PT Bank Artha Graha
Internasional Tbk (2014-2019);
• Head of Division in various fields at PT Bank Artha Graha Internasional Tbk (2009-2014); and
• President Director of Bank Pembangunan Daerah Sulawesi Tenggara (2005-2009);
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Corporate Social Safety Responsibility
INDEPENDENSI ANGGOTA KOMITE AUDIT INDEPENDENCE OF AUDIT COMMITTEE
MEMBERS
Anggota Komite Audit diwajibkan dapat menunjukkan Independence for Audit Committee members is required and
status maupun sikap independensi dalam menjalankan has been regulated in OJK regulation No. 55/POJK.04/2015
tugas sebagaimana telah diatur dalam peraturan OJK No. dated December 23, 2015 concerning the Establishment and
55/POJK.04/2015 tanggal 23 Desember 2015 tentang Implementation Guidelines for the Audit Committee with the
Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit aim that Audit Committee members are not influenced by
dengan tujuan agar anggota Komite Audit tidak terpengaruh personal interests or other parties in expressing opinions and
oleh kepentingan pribadi atau pihak lain dalam menyampaikan carrying out their duties.
pendapat dan melaksanakan tugasnya.
Anggota Komite Audit
Kriteria Audit Committee Member
Criteria
Pesta Uli Sitanggang Suryani Purwita Anas Latief
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan
Direksi
√ √ √
Has no financial relationship with the Board of Commissioners and
Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak
perusahaan, maupun perusahaan afiliasi
√ √ √
Does not have a management relationship in the company,
subsidiaries, or affiliated companies
Tidak memiliki hubungan keluarga dengan Dewan Komisaris,
Direksi, dan/atau sesama anggota Komite lainnya
√ √ √
Has no family relationship with the Board of Commissioners, Board
of Directors, and/or other Committee members
Tidak menjabat sebagai pengurus partai politik, pejabat dan
pemerintah
√ √ √
Not serving as an administrator of political parties, officials, and the
government
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF AUDIT
AUDIT COMMITTEE
Komite Audit memiliki tugas dan tanggung jawab sebagai The Audit Committee has the following duties and
berikut: responsibilities:
1. Melakukan pemantauan dan evaluasi atas perencanaan 1. Monitoring and evaluating the planning and implementation
dan pelaksanaan audit, serta pemantauan atas tindak lanjut of audits, as well as monitoring the follow-up of audit results
hasil audit dalam rangka menilai kecukupan pengendalian in order to assess the adequacy of internal controls including
internal termasuk kecukupan proses pelaporan keuangan; the adequacy of the financial reporting process;
2. Memberikan pendapat profesional yang independen 2. Providing an independent professional opinion to the Board
kepada Dewan Komisaris terhadap laporan atau hal-hal of Commissioners on reports or matters submitted by the
yang disampaikan oleh Direksi kepada Dewan Komisaris Board of Directors to the Board of Commissioners and
dan Komite Audit, serta mengidentifikasi hal-hal yang the Audit Committee, and identify matters that require the
memerlukan perhatian Dewan Komisaris; dan attention of the Board of Commissioners; and
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3. Komite Audit bertanggung jawab kepada Dewan Komisaris 3. The Audit Committee is responsible to the Board of
atas pelaksanaan tugas yang telah ditentukan dan Commissioners for the implementation of the tasks
melaporkan kepada Dewan Komisaris secara berkala that have been determined and reports to the Board of
atau insidental apabila terdapat hal-hal penting yang Commissioners periodically or incidentally if there are
dapat mengganggu jalannya Bank. important matters that can interfere with the running of
the Bank.
Komite Audit juga memiliki tugas dan tanggung jawab atas The Audit Committee also has duties and responsibilities for
pemantauan serta evaluasi pada: monitoring and evaluation on:
1. Pelaksanaan tugas Satuan Pengawas Internal (Satuan 1. Implementation of the duties of the Internal Supervisory
Kerja Audit Intern, Kontrol, dan Kepatuhan); Unit (Internal Audit, Control and Compliance);
2. Kesesuaian pelaksanaan audit oleh kantor akuntan publik 2. Conformity of the audit implementation by the public
dengan standar audit yang berlaku; dan accounting firm with the applicable audit standards; and
3. Kesesuaian laporan keuangan dengan standar akuntansi 3. Conformity of financial statements with applicable
yang berlaku. accounting standards.
WEWENANG KOMITE AUDIT AUTHORITY OF AUDIT COMMITTEE
Dalam melaksanakan tugasnya, Komite Audit memiliki In carrying out its duties, the Audit Committee has the following
wewenang sebagai berikut: authority:
1. Mengakses dokumen, data, dan informasi Bank tentang 1. Accessing the Bank’s documents, data, and information
karyawan, dana, aset, serta sumber daya Bank yang about the Bank’s employees, funds, assets, and resources
diperlukan; as needed;
2. Berkomunikasi langsung dengan karyawan, termasuk 2. Communicating directly with employees, including the
Direksi dan pihak yang menjalankan fungsi audit internal, Board of Directors and those who perform internal audit,
manajemen risiko, dan akuntan terkait tugas dan tanggung risk management, and accountant functions related to the
jawab Komite Audit; duties and responsibilities of the Audit Committee;
3. Melibatkan pihak independen di luar anggota Komite Audit 3. Involving independent parties outside the Audit Committee
yang diperlukan untuk membantu pelaksanaan tugasnya members as needed to assist in carrying out their duties
(jika diperlukan); dan (if needed); and
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Performing other authorities granted by the Board of
Komisaris. Commissioners.
RAPAT KOMITE AUDIT AUDIT COMMITTEE MEETING
Rapat Komite Audit diselenggarakan secara berkala setiap The Audit Committee meetings are held regularly every month.
bulan. Rapat tersebut dapat diselenggarakan apabila dihadiri The meetings can be conducted if attended by more than 1/2
oleh lebih dari 1/2 (satu per dua) jumlah anggota. Adapun (half) of the members. The schedule and agenda for the Audit
jadwal pelaksanaan dan agenda rapat komite audit adalah Committee meetings are as follows:
sebagai berikut:
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Corporate Social Safety Responsibility
Tanggal Tanggal
Agenda Kehadiran
Rencana Realisasi
Agenda Attendance
Planning Date Realization Date
16/01/2024 16/01/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
January 16, 2024 January 16, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan 31
Desember 2023 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan posisi Desember 2023 dan progress
tindaklanjut pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until December 31, 2023,
and progress on follow-up actions;
3. Report from the Compliance Directorate for December 2023 and progress
on follow-up from OJK examination.
13/02/2024 13/02/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
February 13, 2024 February 13, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud bulan Januari
2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan Januari 2024 dan progress tindaklanjut
pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings for January 2024 and
progress on follow-up actions;
3. Report from the Compliance Directorate for January 2024 and progress on
follow-up from OJK examination.
12/03/2024 13/03/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
March 12, 2024 March 13, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan
28 Februari 2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan Februari 2024 dan progress tindaklanjut
pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until February 28, 2024,
and progress on follow-up actions;
3. Report from the Compliance Directorate for February 2024 and progress on
follow-up from OJK examination.
16/04/2024 16/04/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
April 16, 2024 April 16, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan 31
Maret 2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan Maret 2024 dan progress tindaklanjut
pemeriksaan OJK Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until March 31, 2024, and
progress on follow-up actions;
3. Report from the Compliance Directorate for March 2024 and progress on
follow-up from OJK examination.
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tanggal Tanggal
Agenda Kehadiran
Rencana Realisasi
Agenda Attendance
Planning Date Realization Date
07/05/2024 14/05/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
May 7, 2024 May 14, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan
30 April 2024 dan progress tindaklanjutnya;
3. Laporan Direktorat Kepatuhan April 2024 dan progress tindaklanjut
pemeriksaan OJK; dan
4. Evaluasi Komite Audit terhadap Pelaksanaan Pemberian Jasa Audit atas
Informasi Keuangan Tahunan PT Bank Artha Graha Internasional, Tbk
Kuorum
untuk tahun buku yang berakhir 31 Desember 2023.
Quorum
1. Follow-up on the previous meeting’s discussions;
2. Report on Internal Audit and Anti Fraud findings until April 30, 2024, and
progress on follow-up actions;
3. Report from the Compliance Directorate for April 2024 and progress on
follow-up from OJK examination;
4. Audit Committee’s evaluation of the provision of audit services for the 2023
financial statements of PT Bank Artha Graha Internasional, Tbk.
11/06/2024 13/06/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
June 11, 2024 June 13, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan 31
Mei 2024 dan progress tindaklanjutnya;
3. Laporan Direktorat Kepatuhan Mei 2024 dan progres tindaklanjut
pemeriksaan OJK; dan
4. Rekomendasi Komite Audit atas Penunjukan Akuntan Publik (AP) dan/atau
Kantor Akuntan Publik (KAP) yang akan memeriksa Laporan Keuangan
Bank yang berakhir pada tahun 2024. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until May 31, 2024, and
progress on follow-up actions;
3. Report from the Compliance Directorate for May 2024 and progress on
follow-up from OJK examination;
4. Audit Committee’s recommendation on the appointment of Public
Accountant (AP) and/or Public Accounting Firm (KAP) to audit the 2024
financial statements.
09/07/2024 09/07/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
July 9, 2024 July 9, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan
30 Juni 2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan Juni 2024 dan progres tindaklanjut
pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until June 30, 2024, and
progress on follow-up actions;
3. Report from the Compliance Directorate for June 2024 and progress on
follow-up from OJK examination.
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Tanggal Tanggal
Agenda Kehadiran
Rencana Realisasi
Agenda Attendance
Planning Date Realization Date
06/08/2024 13/08/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
August 6, 2024 August 13, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan 31
Juli 2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan Juli 2024 dan progres tindaklanjut
pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until July 31, 2024, and
progress on follow-up actions;
3. Report from the Compliance Directorate for July 2024 and progress on
follow-up from OJK examination.
10/09/2024 10/09/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
September 10, September 10, 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan 31
2024 2024 Agustus 2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan Agustus 2024 dan progres tindaklanjut
pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until August 31, 2024, and
progress on follow-up actions;
3. Report from the Compliance Directorate for August 2024 and progress on
follow-up from OJK examination.
08/10/2024 15/10/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
October 8, 2024 October 15, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan
30 September 2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan September 2024 dan progres tindaklanjut
pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until September 30, 2024,
and progress on follow-up actions;
3. Report from the Compliance Directorate for September 2024 and progress
on follow-up from OJK examination.
12/11/2024 19/11/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
November 12, 2024 November 19, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan 31
Oktober 2024 dan progress tindaklanjutnya;
3. Laporan Direktorat Kepatuhan Oktober 2024 dan progres tindaklanjut
pemeriksaan OJK; dan
4. RBB Tahun 2025 Direktorat Internal Audit. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until October 31, 2024, and
progress on follow-up actions;
3. Report from the Compliance Directorate for October 2024 and progress on
follow-up from OJK examination;
4. RBB for 2025 for the Internal Audit Directorate.
10/12/2024 19/12/2024 1. Tindaklanjut terhadap pembahasan meeting bulan sebelumnya;
December 10, 2024 December 19, 2024 2. Laporan hasil pemeriksaan Internal Audit dan Anti Fraud sampai dengan
30 November 2024 dan progress tindaklanjutnya; dan
3. Laporan Direktorat Kepatuhan November 2024 dan progres tindaklanjut
pemeriksaan OJK. Kuorum
1. Follow-up on the previous meeting’s discussions; Quorum
2. Report on Internal Audit and Anti Fraud findings until November 30, 2024,
and progress on follow-up actions;
3. Report from the Compliance Directorate for November 2024 and progress
on follow-up from OJK examination.
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PENGEMBANGAN KOMPETENSI KOMITE A U D I T C O M M I T T E E C O M P E T E N CY
AUDIT DEVELOPMENT
Program pengembangan kompetensi yang diikuti anggota To support the Audit Committee in carrying out its duties and
Komite Audit sepanjang tahun 2024 telah diuraikan dalam responsibilities, the Bank provides opportunities for Audit
bab Tata Kelola Perusahaan dalam buku Laporan Tahunan ini, Committee members to participate in training and competency
baik yang diselenggarakan oleh internal Bank maupun yang development programs, either organized by the Bank’s internal
diselenggarakan oleh pihak eksternal. or external parties.
PELAKSANAAN TUGAS KOMITE AUDIT I M P L E M E N TAT I O N O F T H E A U D I T
COMMITTEE’S DUTIES
Laporan Aktivitas Komite Audit selama tahun 2024 yang harus The Audit Committee’s activity report for 2024, which must
disampaikan kepada Dewan Komisaris sebagai penerapan tata be submitted to the Board of Commissioners as part of the
kelola perusahaan sesuai ruang lingkup aktivitas di antaranya implementation of corporate governance in accordance with
adalah sebagai berikut: the scope of its activities, includes the following:
1. Melakukan penelaahan atas informasi keuangan yang akan 1. Reviewing the financial information to be issued by the Bank,
dikeluarkan oleh Bank, berdasarkan hasil pemantauan based on the monitoring of items in the Published Financial
terhadap pos-pos dalam Laporan Keuangan Publikasi Statements for the positions of December 31, 2023, March
untuk posisi 31 Desember 2023, posisi 31 Maret 2024, 31, 2024, June 30, 2024, September 30, 2024, and
posisi 30 Juni 2024, posisi 30 September 2024 dan posisi December 31, 2024, with the following achievements:
31 Desember 2024, dengan pencapaian sebagai berikut:
Laporan Keuangan per Triwulanan
Quarterly Financial Reports
31 Desember 31 September 31 Desember
Keterangan 2023 31 Maret 2024 30 Juni 2024 2024 2024
Description December 31, March 31, 2024 June 30, 2024 September 30, December 31,
2023 2024 2024
Total Aset
26.103.611 26.089.597 28.514.366 28.018.456 30.126.393
Total Assets
Pinjaman yang Diberikan
12.147.369 10.745.518 10.403.622 10.250.416 10.605.479
Total Loans
Dana Pihak Ketiga
20.631.701 20.635.547 23.183.501 22.422.839 23.890.773
Third-Party Funds
Total Modal
3.948.432 4.011.906 4.060.211 3.968.811 3.965.697
Total Capital
Modal Inti
3.584.721 3.635.076 3.685.273 3.595.422 3.591.911
Tier 1 Capital
CKPN 837.985 844.348 872.362 874.807 898.066
- Kredit 510.636 509.499 516.313 512.758 531.907
- AYDA 327.349 334.849 356.049 362.049 366.159
AYDA 1.263.460 1.263.404 1.247.890 1.241.422 1.175.042
Laba Tahun Lalu
(77.115) 69.637 69.637 69.637 69.637
Last Year’s Profit
Laba Tahun Berjalan
146.753 36.809 70.510 127.006 152.474
Net Profit for the Year
KPMM 24,96% 25,16% 26,80% 26,44% 26,35%
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Laporan Keuangan per Triwulanan
Quarterly Financial Reports
31 Desember 31 September 31 Desember
Keterangan 2023 31 Maret 2024 30 Juni 2024 2024 2024
Description December 31, March 31, 2024 June 30, 2024 September 30, December 31,
2023 2024 2024
ROA 0,60% 0,58% 0,53% 0,63% 0,55%
ROE 4,24% 4,10% 3,88% 4,69% 4,23%
NIM 5,58% 4,61% 4,67% 4,44% 4,07%
BOPO 90,11% 91,98% 92,54% 91,07% 90,32%
NPL Gross 1,74% 2,00% 2,46% 2,50% 2,40%
NPL Neto 0,31% 0,50% 0,90% 0,89% 0,77%
2. Melakukan penelaahan atas ketaatan terhadap peraturan 2. Review of compliance with laws and regulations related
perundang-undangan yang berhubungan dengan kegiatan to the Bank’s activities. Based on the results of the review
Bank. Berdasarkan hasil penelaahan terhadap aktivitas of the activities carried out by the Bank, there were no
yang dilakukan oleh Bank tidak terdapat pelanggaran/ violations / deviations from the internal provisions or
penyimpangan terhadap ketentuan internal ataupun external provisions that applied, both provisions of Bank
ketentuan eksternal yang berlaku baik ketentuan Bank Indonesia, the Financial Services Authority and other laws
Indonesia, Otoritas Jasa Keuangan maupun perundang- and regulations, all bank activities were carried out in a
undangan lainnya, semua aktivitas bank dilaksanakan healthy and safe manner based on prudential principles.
secara sehat dan aman berdasarkan prinsip kehati-hatian.
3. Melakukan evaluasi terhadap pelaksanaan pemberian 3. The Audit Committee evaluated the provision of financial
jasa informasi keuangan oleh Akuntan Publik (AP) information services by the Public Accountant (PA) or Public
atau Kantor Akuntan Publik (KAP). Komite Audit telah Accounting Firm (KAP). The Audit Committee has submitted
menyampaikan Laporan Hasil Evaluasi atas pelaksanaan the Evaluation Report on the provision of audit services by
pemberian jasa audit oleh KAP untuk tahun buku berakhir KAP for the fiscal year ending December 31, 2023, to the
31 Desember 2023 kepada OJK sesuai dengan surat OJK, as stated in the Bank’s letter No. SK/0020/DIRUT/
Bank No.SK/0020/DIRUT/III/2024 tanggal 28 Maret 2024 III/2024 dated March 28, 2024, regarding the Submission
perihal Penyampaian Laporan Keuangan Publikasi Posisi 31 of the Published Financial Statements as of December 31,
Desember 2023 oleh KAP Kanaka Puradiredja, Suhartono, 2023, by KAP Kanaka Puradiredja, Suhartono. In carrying
dalam melaksanakan jasa audit tahun buku 2023 KAP out audit services for the 2023 fiscal year, KAP Kanaka
Kanaka Puradiredja, Suhartono tidak terjadi perbedaan Puradiredja, Suhartono did not encounter any differences
pendapat antara Manajemen dengan KAP. of opinion between the Management and the KAP.
4. Komite Audit telah memberikan rekomendasi kepada 4. The Audit Committee has provided a recommendation to
Dewan Komisaris untuk penunjukan Akuntan Publik (AP) the Board of Commissioners for the appointment of a Public
atau Kantor Akuntan Publik (KAP) yang didasarkan pada Accountant (PA) or Public Accounting Firm (KAP) based on
independensi, ruang lingkup penugasan, dan imbalan independence, scope of assignment, and service fees. The
jasa, bahwa Komite Audit merekomendasikan KAP Kanaka Audit Committee recommends KAP Kanaka Puradiredja,
Puradiredja, Suhartono untuk melaksanakan jasa audit atas Suhartono to perform the audit services for the financial
informasi keuangan PT Bank Artha Graha Internasional, information of PT Bank Artha Graha Internasional, Tbk
Tbk (BAGI) tahun buku yang berakhir pada tanggal 31 (BAGI) for the fiscal year ending December 31, 2024, as
Desember 2024, sesuai surat Rekomendasi No. SK/0004/ stated in the Recommendation Letter No. SK/0004/KA/
KA/VI/2024 tanggal 19 Juni 2024. VI/2024 dated June 19, 2024.
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5. Dalam hal terjadi perbaikan/maintenance system bank, 5. In the event of bank system repair/maintenance, currently
saat ini nasabah sudah diinformasikan melalui email, wa customers had been informed via email, WA blast, and
blast, dan info pada e-channel. info on e-channel.
6. Melakukan penelaahan atas pelaksanaan pemeriksaan 6. Review of the examinations by internal auditors and
oleh auditor internal dan mengawasi pelaksanaan Tindak oversight of the follow-up by the Board of Directors on
lanjut oleh Direksi atas temuan auditor internal, beberapa the findings of internal auditors, including several matters
hal yang menjadi perhatian seperti: of concern such as:
a. Menindaklanjuti semua temuan yang terjadi melalui a. Follow-up on findings to be discussed with the relevant
pembahasan/koordinasi dengan pihak-pihak terkait parties to find a solution so that these findings do not
untuk dicarikan solusi penyelesaiannya sehingga reoccur.
meminimalkan temuan-temuan tidak terulang kembali.
b. Melakukan pemantauan progress penyelesaian temuan- b. For findings that were pending, to continue monitoring
temuan yang masih pending. the progress of their completion.
c. Meningkatkan pengawasan dan pengendalian c. Improved supervision and internal control on all
intern pada seluruh aktivitas operasional bank untuk operational activities at each bank office to minimize
meminimalkan terjadi pelanggaran pada operasional. violations.
d. Progress perbaikan pada sistem terus dilakukan d. The progress of improvements to the system continued
pemantauan dan pemeriksaan secara periodik untuk to be monitored and checked periodically to ensure that
memastikan benar sistem tersebut telah berjalan the system is running properly.
dengan baik.
e. Temuan pada aspek customer service mendominasi e. Findings related to customer service were the most
pemeriksaan di bidang operasional, sehingga prominent in the operational audit, indicating the need for
perlu dilakukan edukasi dan sosialisasi secara ongoing training and outreach to broaden and improve
berkesinambungan untuk menambah dan meningkatkan staff knowledge and skills.
wawasan dan keterampilan petugas.
f. Masih ditemukan KC/KCP belum melakukan penilaian f. It was discovered that KC/KCP had not conducted
jaminan secara berkala. regular collateral assessment.
g. Penilaian atau rating Internal Audit terhadap cabang g. Internal Audit assessment or rating of branches based on
berdasarkan Risk Based Audit yang tertuang di dalam Risk Based Audit as stated in the Internal Audit Guideline
Prosedur Pedoman Pemeriksaan Intern (PPI) telah Procedure had been conducted.
dilakukan.
h. Masih ditemukan KC/KCP belum melakukan backup h. Several Branch and Sub-Branch Offices (KC/KCP)
image ATM dan EJ (Electronic journal) dengan lengkap were still found to have incomplete ATM image and
dan pengiriman backup image ATM dan EJ ke Unit Electronic Journal (EJ) backups, and the submission of
Library belum dilakukan secara konsisten. these backups to the Library Unit has not been performed
consistently.
i. Sosialisasi Anti Fraud dilakukan kepada seluruh i. Anti-Fraud Socialization had been conducted to all
karyawan, untuk menumbuhkembangkan budaya risiko employees to ensure employees’ understanding of
dan anti fraud, agar memahami dan mengerti hal-hal aspects that must be carried out in preventing fraud
yang harus dilakukan dalam mencegah terjadinya and ensuring awareness of this understanding.
fraud serta memiliki rasa awareness atas pemahaman
tersebut.
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7. Melakukan penelaahan atas pelaksanaan pemeriksaan 7. Review of OJK examinations and oversight of the follow-up
OJK dan mengawasi pelaksanaan tindak lanjut atas on the examination findings:
temuan pemeriksaan tersebut:
a. Komitmen tindak lanjut pemeriksaan OJK untuk a. FSA examination follow-up commitments to be monitored
dilakukan monitoring secara menyeluruh baik thoroughly both related to the fulfillment of payments and
terkait pemenuhan pembayaran maupun dokumen other administrative documents and for commitments
administrasi lainnya dan terhadap komitmen yang that had not been fulfilled according to the agreed target
belum terpenuhi sesuai target date yang telah disepakati date were immediately requested for fulfillment so that
segera dimintakan pemenuhannya sehingga tidak ada there were no more unfulfilled commitments.
lagi komitmen yang belum terpenuhi.
b. Melakukan review hasil temuan pemeriksaan OJK, untuk b. Reviewing the results of OJK audit findings, to serve
dijadikan masukan bagi Internal Audit dalam melakukan as input for Internal Audit in conducting inspections of
pemeriksaan baik Kantor Pusat maupun Kantor Cabang both the Head Office and Branch Offices and monitoring
dan monitoring terhadap temuan-temuan yang menjadi findings that are a concern for OJK audits so that these
concern pemeriksaan OJK agar temuan tersebut tidak findings are not repeated.
terulang.
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KOMITE NOMINASI DAN REMUNERASI
Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi dibentuk dan bertanggung The Remuneration and Nomination Committee is a Committee
jawab kepada Dewan Komisaris untuk membantu Dewan established and responsible to the Board of Commissioners
Komisaris dalam melaksanakan tugas dan tanggung-jawabnya to assist the Board of Commissioners in carrying out its duties
terkait dengan pemberian rekomendasi atas Remunerasi dan and responsibilities related to providing recommendations on
Nominasi dari anggota Dewan Komisaris, Direksi, dan anggota the Remuneration and Nomination of members of the Board
Komite-Komite di tingkat Dewan Komisaris, beserta kerangka of Commissioners, Board of Directors, and members of
secara keseluruhan remunerasi Pejabat Eksekutif dan pegawai Committees at the Board of Commissioners level, along with
sesuai dengan prinsip-prinsip Good Corporate Governance. the overall framework of remuneration of Executive Officers
and employees in accordance with the principles of Good
Corporate Governance.
DASAR HUKUM LEGAL BASIS
1. Peraturan OJK No. 17 tahun 2023 tentang penerapan tata 1. OJK Regulation No. 17 of 2023 concerning the
kelola bagi Bank Umum. implementation of governance for Commercial Banks..
2. Peraturan OJK No. 45/POJK.03/2015 tentang penerapan 2. OJK Regulation No. 45/POJK.03/2015 concerning
tata Kelola dalam pemberian remunerasi bagi Bank Umum. the implementation of Governance in the provision of
remuneration for Commercial Banks.
3. Peraturan OJK No. 34/POJK.04/2014 tanggal 8 Desember 3. OJK Regulation No. 34/POJK.04/2014 dated December
2014 tentang Komite Remunerasi dan Nominasi Emiten 8, 2014 regarding the Remuneration and Nomination
atau Perusahaan Publik. Committee of Issuers or Public Companies.
PEDOMAN DAN TATA TERTIB KERJA R EM U N ER AT I O N A N D N O M I N AT I O N
COMMITTEE CHARTER
Dalam menjalankan tugasnya Komite Remunerasi dan The Remuneration and Nomination Committee in carrying
Nominasi mengacu kepada Pedoman dan Tata Tertib Kerja out its duties refers to the Remuneration and Nomination
Komite Remunerasi dan Nominasi No. 0005.02.1 tanggal 14 Committee Charter No. 0005.02.1 dated November 14, 2019.
November 2019.
KRITERIA ANGGOTA KOMITE REMUNERASI CRITERIA FOR REMUNER ATION AND
DAN NOMINASI NOMINATION COMMITTEE MEMBERS
Komite Remunerasi dan Nominasi membutuhkan kualifikasi The Remuneration and Nomination Committee requires
pendidikan dan pengalaman kerja yang sesuai dengan educational qualifications and work experience in accordance
kebutuhan Bank untuk menunjang pelaksanaan tugas dan with the needs of the Bank to support the implementation of
tanggung jawab Dewan Komisaris. the duties and responsibilities of the Board of Commissioners.
SUSUNAN, JUMLAH, KOMPOSISI, DAN DASAR STRUCTURE, NUMBER, COMPOSITION, AND
PENGANGKATAN KOMITE REMUNERASI DAN BASIS OF APPOINTMENT OF REMUNERATION
NOMINASI AND NOMINATION COMMITTEE
Komposisi Komite Remunerasi dan Nominasi paling kurang The composition of the Remuneration and Nomination
terdiri dari 3 (tiga) orang anggota, dengan susunan sesuai Committee consists of at least 3 (three) members, with the
ketentuan berikut: following composition:
1. Seorang ketua merangkap anggota, yang merupakan 1. A Chairperson who is also a member, who is an Independent
Komisaris Independen; dan Commissioner; and
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2. Anggota lainnya yang dapat berasal dari: 2. Other members may come from:
a. Anggota Dewan Komisaris; a. Member of the Board of Commissioners;
b. Pihak yang berasal dari luar Bank; dan b. Parties originating from outside the Bank; and
c. Pihak yang menduduki jabatan manajerial di bawah c. Those who hold managerial positions under the Board
Direksi yang membidangi Human Capital. of Directors in charge of Human Capital.
Susunan Komite Remunerasi dan Nominasi pada tanggal The composition of the Remuneration and Nomination
31 Desember 2023 adalah berdasarkan Keputusan Dewan Committee as of December 31, 2023 is based on the Decision
Komisaris No. 002/BAGI-KOM/XII/2023 tanggal 6 Desember of the Board of Commissioners No. 002/BAGIKOM/ XII/2023
2023, yaitu sebagai berikut: dated December 6, 2023, as follows:
Nama Jabatan Dasar Pengangkatan Periode Keahlian Keterangan
Name Position Basis of Appointment Period Expertise Description
Kiki Syahnakri Ketua • Surat Keputusan Komisaris No. 002/BAGI- 2023-2026 Perbankan Komisaris Utama/
Chairperson KOM/XII/2023 tanggal 6 Desember 2023 Banking Komisaris Independen
• Surat Keputusan Direksi No. SK-MT/ President
HC/0013/XII/2023 tanggal 6 Desember Commissioner/
2023 Independent
• Board of Commissioner Decree No. 002/ Commissioner
BAGI-KOM/XII/2023 dated December 6,
2023
• Board of Director Decree No. SK-MT/
HC/0013/XII/2023 dated December 6,
2023
Tomy Winata Anggota • Surat Keputusan Komisaris No. 002/BAGI- 2023-2026 Manajemen Wakil Komisaris Utama
Member KOM/XII/2023 tanggal 6 Desember 2023 Management Vice President
• Surat Keputusan Direksi No. SK-MT/ Commissioner
HC/0014/XII/2023 tanggal 6 Desember
2023
• Board of Commissioner Decree No. 002/
BAGI-KOM/XII/2023 dated December 6,
2023
• Board of Director Decree No. SK-MT/
HC/0014/XII/2023 dated December 6,
2023
Marlene Gunawan Anggota • Surat Keputusan Komisaris No. 002/BAGI- 2023-2026 Manajemen Deputy Director
Member KOM/XII/2023 tanggal 6 Desember 2023 Management Human Capital
• Surat Keputusan Direksi No. SK-MT/
HC/0015/XII/2023 tanggal 6 Desember
2023
• Board of Commissioner Decree No. 002/
BAGI-KOM/XII/2023 dated December 6,
2023
• Board of Director Decree No. SK-MT/
HC/0015/XII/2023 dated December 6,
2023
PROFIL KOMITE REMUNERASI DAN NOMINASI R EM U N ER AT I O N A N D N O M I N AT I O N
COMMITTEE PROFILE
Profil ketua dan anggota Komite Remunerasi dan Nominasi The profile of the Chairperson and members of the
dapat dilihat pada bab Profil Perusahaan dalam buku Laporan Remuneration and Nomination Committee can be seen in the
Tahunan ini. Company Profile chapter in this Annual Report book.
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I N D E P E N D E N S I A N G G O TA KO M I T E INDEPENDENCE OF REMUNERATION AND
REMUNERASI DAN NOMINASI NOMINATION COMMITTEE MEMBERS
Independensi dan profesionalitas Komite Remunerasi dan The independence and professionalism of the Remuneration
Nominasi dibutuhkan dalam menjalankan tugas dan tanggung and Nomination Committee is required in carrying out its
jawabnya mendukung fungsi pengawasan Dewan Komisaris. duties and responsibilities to support the supervisory function
Independensi anggota Komite Remunerasi dan Nominasi dapat of the Board of Commissioners. The independence of the
dilihat dalam tabel sebagai berikut: Remuneration and Nomination Committee members can be
seen in the following table:
Anggota Komite Remunerasi dan Nominasi
Member of Remuneration and Nomination Committee
Kriteria
Criteria
Marlene
Kiki Syahnakri Tomy Winata
Gunawan
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi
√ - √
Has no financial relationship with the Board of Commissioners and Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan,
maupun perusahaan afiliasi
√ - √
Does not have a management relationship in the company, subsidiaries, or
affiliated companies
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau
sesama anggota Komite lainnya
√ √ √
Has no family relationship with the Board of Commissioners, Board of Directors,
and/or other Committee members
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah
√ √ √
Not serving as an administrator of political parties, officials, and the government
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
Komite Remunerasi dan Nominasi memiliki tugas dan tanggung The Remuneration and Nomination Committee has the
jawab sebagai berikut: following duties and responsibilities:
Terkait Remunerasi: Remuneration Function:
1. Melaksanakan evaluasi terhadap kebijakan remunerasi; 1. Carrying out an evaluation of the remuneration policy;
2. Memberikan masukan kepada Dewan Komisaris mengenai: 2. Providing input to the Board of Commissioners regarding:
a. Kebijakan remunerasi bagi Dewan Komisaris dan Direksi a. Remuneration policy for the Board of Commissioners
untuk disampaikan kepada RUPS; serta and Board of Directors to be submitted to the GMS; and
b. Kebijakan remunerasi bagi Pejabat Eksekutif dan b. Remuneration policy for Executive Officers and
karyawan secara keseluruhan untuk disampaikan employees as a whole to be submitted to the Board
kepada Direksi. of Directors.
Terkait Nominasi: Nomination Function:
1. Menyusun dan memberikan rekomendasi mengenai 1. Preparing and providing recommendations regarding
sistem, serta prosedur pemilihan atau penggantian the system, as well as procedures for the election or
anggota Dewan Komisaris dan Direksi kepada Dewan replacement of members of the Board of Commissioners
Komisaris untuk disampaikan dalam RUPS; and Board of Directors to the Board of Commissioners to
be submitted to the GMS;
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2. Merekomendasikan calon anggota Dewan Komisaris atau 2. Recommending candidates for the Board of Commissioners
Direksi kepada Dewan Komisaris untuk disampaikan dalam or Board of Directors to the Board of Commissioners to be
RUPS; presented at the GMS;
3. Merekomendasikan pihak independen yang akan menjadi 3. Recommending independent parties who will become
anggota Komite Audit dan Komite Pemantau Risiko kepada members of the Audit Committee and Risk Monitoring
Dewan Komisaris; Committee to the Board of Commissioners;
4. M e re ko m e n d a s ika n u s ula n p e n g g a ntia n ata u 4. Recommending proposals for the replacement or
pengangkatan anggota Dewan Komisaris dalam RUPS; appointment of members of the Board of Commissioners
dan in the GMS; and
5. M e re ko m e n d a s ika n u s ula n p e n g g a ntia n ata u 5. Recommending proposals for the replacement or
pengangkatan anggota Direksi oleh Dewan Komisaris appointment of members of the Board of Directors by the
dalam RUPS. Board of Commissioners in the GMS.
Komite Remunerasi dan Nominasi Bank wajib memastikan The Remuneration and Nomination Committee of the Bank
kebijakan tersebut telah sesuai dengan: shall ensure that the policy is in accordance with:
1. Kinerja keuangan dan pemenuhan cadangan sebagaimana 1. Financial performance and fulfillment of reserves as
diatur dalam peraturan perundang-undangan yang stipulated in applicable laws and regulations;
berlaku;
2. Prestasi kerja individual; 2. Individual work performance;
3. Kewajaran dengan peer group; dan 3. Fairness with peer group; and
4. Pertimbangan dan strategi jangka panjang Bank. 4. Long-term considerations and strategies of the Bank.
RAPAT KOMITE REMUNERASI DAN NOMINASI R EM U N ER AT I O N A N D N O M I N AT I O N
COMMITTEE MEETINGS
Komite Remunerasi dan Nominasi mengadakan rapat secara Remuneration and Nomination Committee Meetings The
berkala paling kurang 1 (satu) kali dalam 4 (empat) bulan, dan Remuneration and Nomination Committee meets regularly at
Rapat Komite Remunerasi dan Nominasi dapat diselenggarakan least 1 (one) time in 4 (four) months, and the Remuneration and
apabila dihadiri oleh mayoritas dari jumlah anggota Komite Nomination Committee Meeting can be conducted if attended
Remunerasi dan Nominasi dan salah satu dari mayoritas jumlah by a majority of the Remuneration and Nomination Committee
anggota Komite Remunerasi dan Nominasi merupakan Ketua members and one of the majority of the Remuneration and
Komite Remunerasi dan Nominasi. Nomination Committee members is the Chairperson of the
Remuneration and Nomination Committee.
Sepanjang tahun 2024, Komite Remunerasi dan Nominasi telah Throughout 2024, the Remuneration and Nomination
melaksanakan rapat sebanyak 4 (empat) kali. Adapun agenda Committee conducted 4 (four) meetings. The agenda and
dan rekapitulasi kehadiran anggota Komite Remunerasi dan attendance summary of Remuneration and Nomination
Nominasi dalam rapat di tahun 2024 adalah sebagai berikut: Committee members in meetings in 2024 are as follows:
% Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance
Name Position Number of Meetings Total Attendance
%
Ketua
Kiki Syahnakri 4 4 100%
Chairperson
Anggota
Marlene Gunawan 4 4 100%
Member
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Agenda Rapat
Meeting Agenda
Tanggal Agenda
No
Date Agenda
1. Program Kerja dan Realisasi tahun 2023
24 Januari 2024 2. Penyusunan Program Kerja tahun 2024
1.
January 24, 2024 1. Work Program and Realization for 2023
2. Preparation of Work Program for 2024
1. Hasil Penilaian KPI Direksi tahun 2023
20 Februari 2024 2. Hasil P2P Karyawan
2.
February 20, 2024 1. 1KPI Assessment Results for the Board of Directors in 2023
2. Employee P2P Results
1. Highlight POJK No. 34/POJK.04/20214
2. Program Kerja KRN Tahun 2024
3. Rekomendasi pengangkatan kembali Anggota Direksi yang jatuh tempo masa jabatannya pada saat
RUPS
4. Usulan Calon Anggota Dewan Komisaris dan Direksi kepada Dewan Komisaris untuk disampaikan
dalam RUPS
5. Turnover karyawan dan ketentuan pengunduran diri
24 Juni 2024 6. Lain-lain: Usulan penerapan COLA di BAGI
3.
June 24, 2024 1. Highlights of POJK No. 34/POJK.04/20214
2. KRN Work Program for 2024
3. Recommendation for the Reappointment of Board of Directors Members whose term expires during
the AGM
4. Proposal of Candidates for the Board of Commissioners and Directors to the Board of Commissioners
for the AGM
5. Employee turnover and resignation policy
6. Other: Proposal to implement COLA at BAGI
1. Evaluasi kinerja KRN 2024
2. Rencana kegiatan tahun 2025
19 Desember 2024 3. Realisasi biaya karyawan 2023 (audited) vs RBB 2024 (proyeksi sampai dengan Desember 2024)
4.
December 19, 2024 1. Evaluation of KRN’s performance in 2024
2. Activity plan for 2025
3. Employee cost realization for 2023 (audited) vs. RBB 2024 (projection until December 2024)
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PENGEMBANGAN KOMPETENSI KOMITE C O M P E T EN CY D E V ELO P M EN T O F
REMUNERASI DAN NOMINASI R EM U N ER AT I O N A N D N O M I N AT I O N
COMMITTEE
Untuk menunjang Komite Remunerasi dan Nominasi dalam To support the Remuneration and Nomination Committee in
melaksanakan tugas dan tanggung jawabnya, Bank memberikan carrying out its duties and responsibilities, the Bank provides
kesempatan kepada anggota Komite Remunerasi dan Nominasi opportunities for members of the Remuneration and Nomination
untuk mengikuti program pelatihan dan pengembangan Committee to participate in training and competency
kompetensi, baik yang diselenggarakan oleh internal Bank development programs, either organized by the Bank’s internal
atau yang diselenggarakan oleh pihak eksternal. Adapun or external parties. The competency development programs
program pengembangan kompetensi yang diikuti oleh Komite followed by the Remuneration and Nomination Committee in
Remunerasi dan Nominasi tahun 2024 adalah sebagai berikut: 2024 are as follows:
Program Pengembangan
Nama Peserta Jabatan Penyelenggara Tempat dan Waktu
Kompetensi
Participant Name Position Organizer Venue and Date
Competency Development Program
Kiki Syahnakri Ketua Pembekalan dan Ujian Sertifikasi Bankers Association 15-16 Agustus 2024
Chairperson Manajemen Risiko Jenjang 6 - Komisaris for Risk Management August 15-16, 2024
Risk Management Certification Level 6 - (BARa) dan LSPP
Commissioner
Marlene Gunawan Anggota The Role of Women Leadership in Digital LPPI Jakarta, 23 April 2024
Member Era Jakarta, April 23, 2024
Resertifikasi Manajemen Risiko Jenjang 6 LSPP Jakarta, 7 Mei 2024
Jakarta, May 7, 2024
Workshop Laporan Resolusi (LPS) & Denny Sudrajat Jakarta, 21-22 September
Recovery (OJK) 2024
Jakarta, September 21-22,
2024
Program Outlook - Empowering Human Synergy Partner Prima Jakarta, 17 Oktober 2024
Capital for a Brighter Future Jakarta, October 17, 2024
Focus Group Discussion (FGD) Implementasi Bank Indonesia Jakarta, 21 Oktober 2024
Pelaporan Online Standarisasi Kompetensi Jakarta, October 21, 2024
di Bidang Sistem Pembayaran (SK SP)
HR Leaders & HR Tech Strategy Rockbird Media Pte, Ltd. Jakarta, 19 November 2024
Jakarta, November 19, 2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
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Pelaksanaan Tugas Komite Remunerasi dan Nominasi
Implementation of Remuneration and Nomination Committee Duties
Tanggal Agenda
No
Date Agenda
1. 24 Januari 2024 1. Penyusunan Program Kerja tahun 2024
January 24, 2024 1. Preparation of Work Program for 2024
2. 20 Februari 2024 1. Analisa Hasil Penilaian Sendiri KPI Direksi tahun 2023
February 20, 2024 2. Hasil Penilaian wawancara dengan karyawan
1. Analysis of the 2023 KPI Self-Assessment Results of the Board of Directors
2. Results of Employee Interviews
3. 24 Juni 2024 1. Highlight POJK No. 34/POJK.04/2014
June 24, 2024 2. Program kerja KRN tahun 2024
3. Pengangkatan kembali Anggota Direksi yang jatuh tempo masa jabatannya pada saat RUPS
4. Usulan pengangkatan Calon Anggota Dewan Komisaris dan Calon Anggota Direksi kepada Dewan
Komisaris untuk disampaikan dalam RUPS
5. Turnover karyawan dan ketentuan pengunduran diri
1. Highlight of POJK No. 34/POJK.04/2014
2. KRN Work Program for 2024
3. Reappointment of Board of Directors Members whose term has expired at the Annual General Meeting
(RUPS)
4. Proposal for Appointment of Candidates for the Board of Commissioners and Board of Directors to be
presented at RUPS
5. Employee turnover and resignation policy
4. 19 Desember 2024 1. Evaluasi kinerja KRN 2024 dan Penyusunan rencana kegiatan tahun 2025
December 19, 2024 1. Evaluation of KRN Performance in 2024 and Preparation of Activity Plan for 2025
KEBIJAKAN SUKSESI DIREKSI BOARD OF DIRECTORS SUCCESSION POLICY
Komite Remunerasi dan Nominasi dalam menjalankan tugasnya In carrying out its duties, the Remuneration and Nomination
mengacu kepada pedoman dan tata tertib yang disediakan Committee refers to the guidelines and rules provided by the
Bank. Komite Remunerasi dan Nominasi menyusun dan Bank. The Remuneration and Nomination Committee prepares
memberikan rekomendasi mengenai sistem serta prosedur and provides recommendations regarding the system and
pemilihan dan/atau penggantian anggota Dewan Komisaris dan procedures for the selection and/or replacement of members
Direksi kepada Dewan Komisaris untuk disampaikan kepada of the Board of Commissioners and Board of Directors to the
RUPS. Komite juga bertanggung jawab dalam menentukan Board of Commissioners to be submitted to the GMS. The
kriteria dan mengidentifikasi para calon, mengkaji, menyetujui Committee is also responsible for determining criteria and
nominasi sesuai dengan kriteria yang ditentukan. Dalam rangka identifying candidates, reviewing and approving nominees in
mempersiapkan jajaran eksekutif Bank agar mendapatkan accordance with the specified criteria. In order to prepare the
pengetahuan dan pengalaman yang utuh sebagai pejabat Bank’s executives to gain full knowledge and experience as
di kantor pusat atau kantor cabang, maka beberapa jajaran officers in the head office or branch offices, some executives
eksekutif yang dinilai memiliki potensi untuk dikembangkan who are considered to have the potential to be developed
lebih jauh akan mendapatkan rotasi. further will be rotated.
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KOMITE PEMANTAU RISIKO
Risk Monitoring Committee
Komite Pemantau Risiko dibentuk untuk membantu Dewan The Risk Monitoring Committee was established to assist
Komisaris dalam melaksanakan tanggung jawab pengawasan the Board of Commissioners in carrying out its risk oversight
risiko sesuai dengan peraturan yang berlaku. Komite Pemantau responsibilities in accordance with applicable regulations.
Risiko bertugas memonitor dan menilai risiko yang dapat diambil The Risk Monitoring Committee is tasked with monitoring and
oleh Bank untuk memastikan telah dilakukannya pengelolaan assessing the risks that can be taken by the Bank to ensure
risiko dengan baik, terutama pada pengelolaan risiko kredit, good risk management, especially in managing credit risk,
risiko pasar, risiko likuiditas, risiko operasional, dan risiko bank market risk, liquidity risk, operational risk, and other bank risks.
lainnya.
DASAR HUKUM LEGAL BASIS
Dasar pembentukan Komite Pemantau Risiko Bank Artha Graha The basis for the establishment of the Risk Monitoring Committee
Internasional adalah Peraturan Otoritas Jasa Keuangan No. 17 of Bank Artha Graha Internasional is the Financial Services
Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum. Authority Regulation No. 17 of 2023 on the Implementation of
Governance for Commercial Banks.
PEDOMAN DAN TATA TERTIB KERJA RISK MONITORING COMMITTEE CHARTER
Dalam menjalankan tugasnya Komite Pemantau Risiko The Risk Monitoring Committee in carrying out its duties is guided
berpedoman pada Pedoman Kebijakan Perusahaan No. by the Risk Monitoring Committee Charter No. 0004.02.0
0004.02.0 tanggal 20 Juni 2024 tentang Pedoman dan Tata dated June 20, 2024 concerning the Implementation of Duties
Tertib Kerja Komite Pemantau Risiko. and Ethics of Risk Monitoring Committee members.
KRITERIA ANGGOTA KOMITE PEMANTAU RISK MONITORING COMMITTEE MEMBER
RISIKO CRITERIA
Anggota Komite Pemantau Risiko memiliki kriteria-kriteria Members of the Risk Monitoring Committee have the
sebagaimana yang ditetapkan oleh Regulator sebagai berikut: following criteria as stipulated by the Regulator:
1. Anggota Komite Pemantau Risiko paling kurang terdiri 1. Members of the Risk Monitoring Committee shall consist of
dari 1 (satu) orang Komisaris Independen sebagai Ketua at least 1 (one) Independent Commissioner as Chairperson
merangkap anggota, 1 (satu) orang Pihak Independen and concurrent member, 1 (one) Independent Party with
yang memiliki keahlian di bidang keuangan dan 1 (satu) expertise in finance and 1 (one) Independent Party with
orang Pihak Independen yang memiliki keahlian di bidang expertise in risk management;
manajemen risiko;
2. Komisaris independen dan pihak independen yang menjadi 2. Independent commissioners and independent parties
anggota Komite Pemantau Risiko paling sedikit berjumlah who are members of the Risk Monitoring Committee shall
51% dari jumlah anggota Komite Pemantau Risiko; constitute at least 51% of the total members of the Risk
Monitoring Committee;
3. Ketua Komite hanya dapat merangkap jabatan sebagai 3. The Chairperson of the Committee may only concurrently
Ketua Komite paling banyak pada 1 (satu) Komite lainnya serve as Chairperson of the Committee at a maximum of 1
pada Perseroan yang sama; dan (one) other Committee in the same Company; and
4. Anggota Komite wajib memiliki integritas, akhlak dan moral 4. Committee members must have integrity, good character,
yang baik. and morals.
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SUSUNAN, JUMLAH, KOMPOSISI, DAN DASAR STRUCTURE, NUMBER, COMPOSITION,
PENGANGKATAN KOMITE PEMANTAU RISIKO AND BASIS OF APPOINTMENT OF RISK
MONITORING COMMITTEE
Komposisi Komite Pemantau Risiko Bank paling sedikit terdiri The composition of the Bank’s Risk Monitoring Committee
dari: consists of at least:
1. Seorang Komisaris Independen yang menjabat sebagai 1. An Independent Commissioner who serves as Chairperson
Ketua Komite; of the Committee;
2. Seorang dari pihak independen yang memiliki keahlian 2. An independent party with financial expertise; and
di bidang keuangan; dan
3. Seorang dari pihak independen yang memiliki keahlian 3. An independent party with expertise in risk management.
di bidang manajemen risiko.
Susunan Komite Pemantau Risiko pada tanggal 31 Desember The composition of the Risk Monitoring Committee as of
2024 adalah berdasarkan Keputusan Dewan Komisaris No. December 31, 2024 is based on the Decision of the Board of
002/BAGI-KOM/XII/2023 tanggal 6 Desember 2023, yaitu Commissioners No. 002/BAGI-KOM/XII/2023 dated December
sebagai berikut: 6, 2024, as follows:
Nama Jabatan Dasar Pengangkatan Periode Keahlian Keterangan
Name Position Basis of Appointment Period Expertise Description
Elizawatie Simon Ketua 1. Surat Keputusan Komisaris No. 002/BAGI-KOM/ 2023-2026 Hukum Komisaris
Chairperson XII/2023 tanggal 6 Desember 2023 Perdata Independen
2. Surat Keputusan Direksi No. SK-MT/HC/0010/ Civil Law Independent
XII/2023 tanggal 6 Desember 2023 Commissioner
1. Board of Commissioner Decree No. 002/BAGI-
KOM/XII/2023 dated December 6, 2023
2. Board of Director Decree No. SK-MT/HC/0010/
XII/2023 dated December 6, 2023
Suryani Purwita Anggota 1. Surat Keputusan Komisaris No. 002/BAGI-KOM/ 2023-2026 Akuntansi Pihak Independen
Member XII/2023 tanggal 6 Desember 2023 Accounting Independent Party
2. Surat Keputusan Direksi No. SK-MT/HC/0011/
XII/2023 tanggal 6 Desember 2023
1. Board of Commissioner Decree No. 002/BAGI-
KOM/XII/2023 dated December 6, 2023
2. Board of Director Decree No. SK-MT/HC/0011/
XII/2023 dated December 6, 2023
Anas Latief Anggota 1. Surat Keputusan Komisaris No. 002/BAGI-KOM/ 2023-2026 Perbankan/ Pihak Independen
Member XII/2023 tanggal 6 Desember 2023 Manajemen Independent Party
2. Surat Keputusan Direksi No. SK-MT/HC/0012/ Risiko
XII/2023 tanggal 6 Desember 2023 Banking/Risk
1. Board of Commissioner Decree No. 002/BAGI- Management
KOM/XII/2023 dated December 6, 2023
2. Board of Director Decree No. SK-MT/HC/0012/
XII/2023 dated December 6, 2023
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PROFIL KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE PROFILE
Profil Ketua Komite Pemantau Risiko yang menjabat sebagai The profile of the Chairperson of the Risk Monitoring Committee
Komisaris dapat dilihat pada bab Profil Perusahaan dalam who serves as Commissioner can be seen in the Company
buku Laporan Tahunan ini. Profile chapter in this Annual Report.
Profil Suryani Purwita dan Anas Latief sebagai anggota Komite The profiles of Suryani Purwita and Anas Latief as members
Pemantau Risiko dapat dilihat pada sub-bab Komite Audit of the Risk Monitoring Committee can be seen in the Audit
dalam pembahasan sebelumnya. Committee sub-chapter in the previous discussion.
I N D E P E N D E N S I A N G G O TA KO M I T E INDEPENDENCE OF REMUNERATION AND
PEMANTAU RISIKO NOMINATION COMMITTEE MEMBERS
Independensi dan profesionalitas Komite Pemantau Risiko The independence and professionalism of the Remuneration
dibutuhkan dalam menjalankan tugas dan tanggung and Nomination Committee is required in carrying out its
jawabnya mendukung fungsi pengawasan Dewan Komisaris. duties and responsibilities to support the supervisory function
Independensi anggota Komite Pemantau Risiko dapat dilihat of the Board of Commissioners. The independence of the
dalam tabel sebagai berikut: Remuneration and Nomination Committee members can be
seen in the following table:
Anggota Komite Pemantau Risiko
Kriteria Member of Audit Committee
Criteria
Elizawatie Simon Suryani Purwita Anas Latief
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi
Has no financial relationship with the Board of Commissioners and √ √ √
Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan,
maupun perusahaan afiliasi
√ √ √
Does not have a management relationship in the company, subsidiaries,
or affiliated companies
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi,
dan/atau sesama anggota Komite lainnya
√ √ √
Has no family relationship with the Board of Commissioners, Board of
Directors, and/or other Committee members
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah
Not serving as an administrator of political parties, officials, and the √ √ √
government
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TUGAS DAN TANGGUNG JAWAB KOMITE DU TI E S A N D R E S P O N S I B I LITI E S O F
PEMANTAU RISIKO RISKMONITORING COMMITTEE
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 17 Tahun Based on the Financial Services Authority Regulation No. 17 of
2023 tentang Penerapan Tata Kelola bagi Bank Umum, tugas 2023 on the Implementation of Governance for Commercial
dan tanggung jawab Komite Pemantau Risiko Bank Artha Graha Banks, the duties and responsibilities of the Risk Monitoring
Internasional adalah sebagai berikut: Committee of Bank Artha Graha Internasional are as follows:
1. Mengevaluasi kesesuaian antara kebijakan manajemen 1. Evaluating the conformity between risk management
risiko dengan pelaksanaan kebijakan tersebut; dan policies and the implementation of these policies; and
2. Memantau dan mengevaluasi pelaksanaan tugas Komite 2. Monitoring and evaluating the implementation of the duties
Manajemen Risiko dan Satuan Kerja Manajemen Risiko. of the Risk Management Committee and Risk Management
Work Unit.
RAPAT KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE MEETINGS
Penyelenggaraan Rapat Komite Pemantau Risiko dengan The organization of Committee Meetings refers to the Financial
mengacu kepada Peraturan Otoritas Jasa Keuangan No. 17 Services Authority Regulation No. 17 of 2023 concerning the
Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum Implementation of Governance for Commercial Banks as
sebagai berikut: follows:
1. Rapat komite diselenggarakan sesuai dengan kebutuhan 1. Committee meetings are held in accordance with the needs
Bank; dan of the Bank; and
2. Rapat Komite Pemantau Risiko hanya dapat dilaksanakan 2. Risk Monitoring Committee meetings can only be held if
dalam hal dihadiri oleh paling sedikit 51% (lima puluh attended by at least 51% (fifty-one percent) of the committee
satu persen) dari jumlah anggota komite termasuk 1 (satu) members including 1 (one) Independent Commissioner and
orang Komisaris Independen dan 1 (satu) orang Pihak 1 (one) Independent Party.
Independen.
S e panjang tahun 2024. Komite Pe mantau Risiko The Risk Monitoring Committee held a total of 12 (twelve)
menyelenggarakan rapat sebanyak 12 (Dua Belas) kali, dengan meetings throughout 2024. The agenda and frequency of
agenda dan frekuensi kehadiran anggota rapat dapat dilihat attendance of meeting members can be seen in the following
dalam tabel berikut ini: table:
Nama Jabatan Jumlah Rapat Jumlah Kehadiran % Kehadiran
Name Position Number of Meetings Total Attendance Attendance %
Elizawatie Simon Ketua 12 12 100
Chairperson
Suryani Purwita Anggota 12 12 100
Member
Anas Latief Anggota 12 12 100
Member
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Agenda Rapat Komite Pemantau Risiko
Risk Oversight Committee Meeting Agenda
Tanggal Agenda
No
Date Agenda
1. 19 Januari 2024 1. Laporan Profil Risiko Periode 31 Desember 2023 vs 30 September 2023
January 19, 2024 2. Stress Test Likuiditas Periode 31 Desember 2023
1. Risk Profile Report as of December 31, 2023 vs September 30, 2023
2. Liquidity Stress Test as of December 31, 2023
2. 23 Februari 2024 1. Laporan Profil Risiko Periode 31 Januari 2024 vs 31 Desember 2023
February 23, 2024 2. Stress Test Likuiditas Periode 31 Januari 2024
3. Stress Test Profil Risiko Periode 31 Desember 2023 untuk pelaporan Tingkat Kesehatan Bank (TKB)
1. Risk Profile Report as of January 31, 2024 vs December 31, 2023
2. Liquidity Stress Test as of January 31, 2024
3. Risk Profile Stress Test as of December 31, 2023 for Bank Soundness Level (TKB) reporting
3. 22 Maret 2024 1. Laporan Profil Risiko Periode 29 Februari 2024 vs 31 Januari 2024
March 22, 2024 2. Stress Test Likuiditas Periode 29 Februari 2024
3. Simulasi Kredit Kualitas Rendah (KKR) periode Februari 2024 (proyeksi debitur lepas flag Covid-19)
1. Risk Profile Report as of February 29, 2024 vs January 31, 2024
2. Liquidity Stress Test as of February 29, 2024
3. Simulation of Low-Quality Loans (KKR) for February 2024 (projection of borrowers exiting Covid-19 flag)
4. 23 April 2024 1. Laporan Profil Risiko Periode 31 Maret 2024 vs 31 Desember 2023
April 23, 2024 2. Stress Test Likuiditas Periode 31 Maret 2024
1. Risk Profile Report as of March 31, 2024 vs December 31, 2023
2. Liquidity Stress Test as of March 31, 2024
5. 20 Mei 2024 1. Laporan Profil Risiko Periode 30 April 2024 vs 31 Maret 2024
May 20, 2024 2. Stress Test Likuiditas Periode 30 April 2024
1. Risk Profile Report as of April 30, 2024 vs March 31, 2024
2. Liquidity Stress Test as of April 30, 2024
6. 21 Juni 2024 1. Laporan Profil Risiko Periode 31 Mei 2024 vs 30 April 2024
June 21, 2024 2. Laporan Rasio LaR Pasca Lepas Flag Debitur Relaksasi Covid-19
3. Stress Test Risiko Kredit Periode Mei 2024
1. Risk Profile Report as of May 31, 2024 vs April 30, 2024
2. LaR Ratio Report after Removal of Covid-19 Relief Flag
3. Credit Risk Stress Test for May 2024
7. 31 Juli 2024 1. Laporan Profil Risiko Periode 30 Juni 2024 vs 31 Maret 2024
July 31, 2024 2. Laporan Review Parameter dan Threshold Profil Risiko
3. Laporan Pemantauan Risiko Kredit Periode Mei 2024
1. Risk Profile Report as of June 30, 2024 vs March 31, 2024
2. Review Report on Risk Profile Parameters and Thresholds
3. Credit Risk Monitoring Report for May 2024
8. 22 Agustus 2024 1. Laporan Profil Risiko Periode 31 Juli 2024 vs 30 Juni 2024
August 22, 2024 2. Laporan Pemantauan Debitur Write Off
1. Risk Profile Report as of July 31, 2024 vs June 30, 2024
2. Monitoring Report on Written-Off Debtors
9. 20 September 2024 1. Laporan Profil Risiko Periode 31 Agustus 2024 vs 31 Juli 2024
September 20, 2024 1. Risk Profile Report as of August 31, 2024 vs July 31, 2024
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Agenda Rapat Komite Pemantau Risiko
Risk Oversight Committee Meeting Agenda
Tanggal Agenda
No
Date Agenda
10. 18 Oktober 2024 1. Laporan Profil Risiko Periode 30 September 2024 vs 30 Juni 2024
October 18, 2024 2. Laporan Portfolio Risk Appetite & Risk Tolerance Risiko Kredit Periode September 2024
1. Risk Profile Report as of September 30, 2024 vs June 30, 2024
2. Credit Risk Portfolio Risk Appetite & Risk Tolerance Report for September 2024
11. 18 November 2024 1. Laporan Profil Risiko Periode 31 Oktober 2024 vs 30 September 2024
November 18, 2024 2. Laporan Portfolio Risk Appetite & Risk Tolerance Risiko Kredit Periode Oktober 2024
3. Stress Test Risiko Kredit
1. Risk Profile Report as of October 31, 2024 vs September 30, 2024
2. Credit Risk Portfolio Risk Appetite & Risk Tolerance Report for October 2024
3. Credit Risk Stress Test
12. 13 Desember 2024 1. Laporan Profil Risiko Periode 30 November 2024 vs 31 Oktober 2024
December 13, 2024 2. Proyeksi Laporan Profil Risiko Kredit Periode 31 Desember 2024 vs 30 September 2024
3. Laporan Portfolio Risk Appetite & Risk Tolerance Risiko Kredit Periode November 2024
4. Simulasi Penambahan PPANP AYDA
1. Risk Profile Report as of November 30, 2024 vs October 31, 2024
2. Projected Credit Risk Profile Report as of December 31, 2024 vs September 30, 2024
3. Credit Risk Portfolio Risk Appetite & Risk Tolerance Report for November 2024
4. Simulation of Additional PPANP for AYDA
PENGEMBANGAN KOMPETENSI KOMITE C O M P E T EN CY D E V ELO P M EN T OF
PEMANTAU RISIKO RISKMONITORING COMMITTEE
Untuk menunjang Komite Pemantau Risiko dalam melaksanakan To support the Risk Monitoring Committee in carrying out its
tugas dan tanggung jawabnya, Bank memberikan kesempatan duties and responsibilities, the Bank provides opportunities
kepada anggota Komite Pemantau Risiko untuk mengikuti for members of the Risk Monitoring Committee to participate
program pelatihan dan pengembangan kompetensi, baik yang in training and competency development programs, either
diselenggarakan oleh internal Bank atau yang diselenggarakan organized by the Bank’s internal or external parties. The
oleh pihak eksternal. Adapun program pengembangan competency development programs followed by the Risk
kompetensi yang diikuti oleh Komite Pemantau Risiko tahun Monitoring Committee in 2024 are as follows:
2024 adalah sebagai berikut:
Program Pengembangan
Nama Peserta
Jabatan Kompetensi Penyelenggara Tempat dan Waktu
Participant
Position Competency Development Organizer Venue and Date
Name
Program
Elizawatie Simon Ketua Sertifikasi Manajemen Risiko Jenjang 7 LSPP Jakarta, 26 April 2024
Chairperson Jakarta, April 26, 2024
Seminar Penyelarasan Manajemen Bankers Association for Risk Jakarta, 21-22 Mei 2024
Risiko - Jenjang 7 Management (BARa) Jakarta, May 21-22, 2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember 2024
Jakarta, December 11-12, 2024
Suryani Purwita Anggota
- - -
Member
Anas Latief Anggota Sertifikasi Manajemen Risiko Jenjang 7 LSPP Jakarta, 26 April 2024
Member Jakarta, April 26, 2024
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PELAKSANAAN TUGAS KOMITE PEMANTAU IMPLEMENTATION OF DUTIES OF THE RISK
RISIKO MONITORING COMMITTEE
Sepanjang tahun 2024, Komite Pemantau Risiko Bank telah Throughout 2024, the Risk Monitoring Committee of the Bank
menjalankan tugas dan tanggung jawabnya, antara lain: has carried out its duties and responsibilities, including:
1. Anggota Komite terdiri dari 3 (tiga) orang: (1 (satu) orang 1. The Committee comprises 3 (three) members: 1 (one)
Komisaris Independen; 1 (satu) orang Pihak Independen Independent Commissioner; 1 (one) Independent Party with
yang memiliki keahlian bidang manajemen risiko; 1 (satu) expertise in risk management; and 1 (one) Independent Party
orang dari Pihak Independen yang memiliki keahlian with expertise in finance. This composition is in accordance
Bidang Keuangan) dan telah sesuai dengan POJK No. 17 with Financial Services Authority Regulation (POJK) No. 17 of
Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank 2023 on the Implementation of Governance for Commercial
Umum; Banks;
2. Penyelenggaran rapat Komite Pemantau Risiko tahun 2. Risk Monitoring Committee meetings in 2024 were held
2024 telah dilakukan secara berkala sesuai dengan POJK periodically in compliance with POJK No. 17 of 2023.
17 Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank During 2024, the Committee convened a total of 12 (twelve)
Umum. Selama Tahun 2024 telah diselenggarakan rapat meetings, with 100% attendance by the Chairperson and
Komite Pemantau Risiko sebanyak 12 (dua belas) kali members, meeting the quorum requirement;
dengan Tingkat kehadiran Ketua dan Anggota Komite
100% (Kuorum);
3. Melakukan penelaahan Profil Risiko periode bulan berjalan 3. Reviewed the Bank’s Risk Profile for the current month
sesuai dengan penilaian matriks kualitatif OJK, selama in accordance with OJK’s qualitative matrix assessment.
tahun 2024 Peringkat Komposit Profil Risiko terjaga di Throughout 2024, the Composite Risk Profile Rating was
PK-2 (Satisfactory); maintained at PK-2 (Satisfactory);
4. Melakukan pengawasan Likuiditas Bank dengan pengujian 4. Oversaw the Bank’s liquidity condition through stress testing
(Stress Testing); exercises;
5. Melakukan pemantauan terhadap Kredit Kualitas Rendah 5. Monitored Low-Quality Loans, where the Covid-19
dimana telah dilakukan pencabutan flag relaksasi Covid-19 relaxation flag was revoked based on assessments and
berdasarkan assessment dan rekomendasi dari Risk recommendations from the Risk Management Directorate
Management di bulan Mei 2024 sebagai salah satu in May 2024. This initiative contributed to a reduction in
upaya untuk menurunkan rasio Kredit Kualitas Rendah dari the Low-Quality Loan ratio from 25.29% in April to 19.28%
25,29% di bulan April menjadi 19,28% di bulan Mei 2024; in May 2024;
6. Merekomendasikan Sektor Ekonomi yang menjadi 6. Provided recommendations on priority economic sectors
prioritas di tahun 2025 berdasarkan kajian Direktorat for 2025 based on a review by the Risk Management
Risk Management; Directorate;
7. Melakukan pemantauan terhadap portfolio kredit yang 7. Monitored significant credit portfolios as well as credit risk
signifikan dan pemantauan terhadap risk appetite dan appetite and tolerance;
risk tolerance terutama risiko kredit;
8. Melakukan pemantauan terhadap potensi peningkatan 8. Monitored potential increases in Non-Performing Loans
NPL serta potensi penurunan modal inti yang disebabkan (NPL) and potential reductions in core capital due to
karena peningkatan PPANP berdasarkan hasil Stress increases in Allowance for Impairment Losses on Non-
Testing Risiko Kredit oleh Direktorat Risk Management; dan Productive Assets (PPANP), based on the results of credit
risk stress testing by the Risk Management Directorate; and
9. Melakukan penelaahan atas pelaksanaan Komite 9. Reviewed the implementation of the Risk Management
Manajemen Risiko (KMR) terkait Risiko Kredit, Risiko Pasar Committee (RMC) concerning credit risk, market risk, and
dan Risiko Operasional. operational risk.
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ORGAN PENDUKUNG DIREKSI
Supporting Organs of Board of Directors
Bank Artha Graha Internasional memilliki 5 (lima) Komite Bank Artha Graha Internasional has 5 (five) Committees formed
yang dibentuk dan ditunjuk oleh Direksi untuk membantu and appointed by the Board of Directors to assist in carrying
melaksanakan tugas Direksi. Komite ini bertugas untuk out the duties of the Board of Directors. These committees
memberikan opini secara objektif kepada Direksi dan membantu are tasked with providing objective opinions to the Board
meningkatkan efektivitas pelaksanaan tugas Direksi secara of Directors and helping to improve the effectiveness of
sistematis, serta memberikan kontribusi sesuai dengan bidang the systematic implementation of the duties of the Board of
tugas dan tanggung jawabnya. Directors, as well as making contributions in accordance with
their areas of duties and responsibilities.
Komite di bawah Direksi terdiri dari: Committees under the Board of Directors consist of:
1. Komite Kredit; 1. Credit Committee;
2. Komite Asset and Liabilities; 2. Asset and Liabilities Committee;
3. Komite Manajemen Risiko; 3. Risk Management Committee;
4. Komite Pengarah Teknologi Informasi; 4. Information Technology Steering Committee;
5. Komite Human Capital; 5. Human Capital Committee;
6. Komite Kebijakan Perkreditan; dan 6. Credit Policy Committee; and
7. Komite Produk. 7. Product Committee.
KOMITE KREDIT
Credit Committee
Komite Kredit dibentuk untuk membantu Direksi dalam The Credit Committee is formed to assist the Board of
pengambilan keputusan terkait kebijakan kredit yang ditetapkan Directors in making decisions related to credit policies set by
Bank, serta mengevaluasi dan memberikan keputusan kredit the Bank, as well as evaluating and providing credit decisions
agar sesuai dengan batas wewenang yang ditetapkan. Setiap in accordance with the established authority limits. Every credit
keputusan kredit pada prinsipnya tidak dapat diputuskan oleh decision in principle cannot be decided by one person alone
satu orang saja melainkan harus merupakan hasil keputusan but must be the result of a joint decision, namely the decision
bersama yaitu hasil keputusan dari Komite Kredit untuk of the Credit Committee to ensure objective credit decisions
menjamin keputusan kredit yang objektif dengan kualitas with good credit quality.
kredit yang baik.
Fungsi pokok Komite Kredit adalah: The main functions of the Credit Committee are:
1. Memberikan pengarahan apabila perlu dilakukan analisis 1. Providing direction if a more in-depth and comprehensive
kredit yang lebih mendalam dan komprehensif; dan credit analysis is required; and
2. Memberikan keputusan atau rekomendasi atas 2. Providing decisions or recommendations on submitted
permohonan kredit yang diajukan. credit applications.
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DASAR HUKUM LEGAL BASIS
Komite Kredit Bank Artha Graha Internasional dibentuk Bank Artha Graha Internasional’s Credit Committee was
dengan mengacu pada Peraturan Otoritas Jasa Keuangan established with reference to the Financial Services Authority
No. 42/POJK.03/2017 tentang Kewajiban Penyusunan dan Regulation No. 42/POJK.03/2017 on the Obligation to
Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank Prepare and Implement Credit or Bank Financing Policies for
bagi Bank Umum. Commercial Banks.
PEDOMAN DAN TATA TERTIB KERJA KOMITE CREDIT COMMITTEE GUIDELINES
KREDIT
Komite Kredit berpedoman pada Pedoman Kebijakan The Credit Committee is guided by the Credit Policy
Perkreditan tentang Komite Kredit dalam menjalankan tugas Guidelines on Credit Committee in carrying out its duties and
dan tanggung jawabnya. responsibilities.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF CREDIT
KREDIT COMMITTEE
Komite Kredit memiliki tugas dan tanggung jawab sebagai The Credit Committee has the following duties and
berikut: responsibilities:
1. Memberikan persetujuan atau penolakan atas usulan- 1. Approving or rejecting credit proposals objectively,
usulan mengenai kredit secara objektif, jujur, cermat, honestly, carefully, and in accordance with the provisions
dan sesuai dengan ketentuan yang tercantum di dalam contained in the Credit Policy Guidelines, Credit Circulars,
Pedoman Kebijakan Perkreditan, Surat Edaran Kredit, internal memos, Bank Indonesia regulations, Financial
memo-memo internal, ketentuan Bank Indonesia, Services Authority Regulations, and applicable laws and
Peraturan Otoritas Jasa Keuangan, serta peraturan regulations, in accordance with the given Limit of Authority
perundang-undangan yang berlaku, sesuai dengan Batas to Decide on Credit (BWMK);
Wewenang Memutus Kredit (BWMK) yang diberikan;
2. Memberikan rekomendasi kepada Komite Kredit yang 2. Providing recommendations to the Credit Committee
mempunyai BWMK yang lebih tinggi; which has a higher BWMK;
3. Menolak permintaan dan pengaruh dari pihak-pihak 3. Rejecting requests and influence from parties with an
yang berkepentingan dengan pemohon kredit untuk interest in the credit applicant to grant credit approval that
memberikan persetujuan kredit yang hanya bersifat is only a formality; and
formalitas; dan
4. Melakukan koordinasi dengan Asset and Liabilities 4. Coordinating with the Asset and Liabilities Committee
Committee (ALCO) dalam aspek pendanaan perkreditan. (ALCO) on credit funding aspects
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STRUKTUR DAN KEANGGOTAAN KOMITE CREDIT COMMITTEE STRUCTURE AND
KREDIT MEMBERSHIP
Struktur dan keanggotaan Komite Kredit Bank Artha Graha Structure and Membership of the Credit Committee of Bank
Internasional terdiri dari: Artha Graha Internasional:
1. Komite Kredit Komersil dan Korporasi; 1. Commercial and Corporate Credit Committee;
2. Komite Kredit SME & Konsumer (untuk limit > Rp5 milyar); 2. SME & Consumer Credit Committee (for limits greater than
dan IDR5 billion); and
3. Komite Kredit Restrukturisasi. 3. Restructuring Credit Committee.
PROFIL KOMITE KREDIT CREDIT COMMITTEE PROFILE
Profil anggota Komite Kredit yang menjabat sebagai Direksi The profile of Credit Committee members who serve as
dapat dilihat pada bab Profil Perusahaan dalam buku Laporan Directors can be seen in the Company Profile chapter in this
Tahunan ini. Annual Report.
PERNYATAAN INDEPENDENSI KOMITE KREDIT INDEPENDENCE STATEMENT OF CREDIT
COMMITTEE
Komite Kredit dalam menjalankan tugasnya berkomitmen untuk The Credit Committee in carrying out its duties is committed
menjaga independensi dan anggota Komite Kredit diatur dalam to maintaining independence although until now the
kebijakan tersendiri mengenai Komite Kredit Kantor Pusat. independence statement is not yet available.
RAPAT KOMITE KREDIT CREDIT COMMITTEE MEETINGS
Komite Kredit melaksanakan rapat sebanyak 32 (tiga puluh dua) The Credit Committee held 32 (thirty two) meetings throughout
kali di sepanjang tahun 2024 dengan agenda sebagai berikut: 2024 with the following agenda:
Rapat Komite Kredit Jumlah Agenda
Credit Committee Meetings Total Agenda
Perpanjangan Fasilitas Kredit
22
Credit Facility Extension
Perpanjangan Fasilitas FI
5
FI Facility Extension
Penambahan Fasilitas Kredit
23
Addition of Credit Facility
Penambahan Fasilitas FI
1
Addition of FI Facilities
Permohonan Baru atau Sounding
73
New Application or Sounding
Permohonan Relaksasi/Restruktur/Perubahan Fasilitas
4
Request for Relaxation/Restructure/Change of Facility
Permohonan Lainnya (kerja sama Pembiayaan, Perubahan syarat, perubahan Pricing, dll)
11
Other Requests (financing cooperation, change of terms, change of pricing, etc.)
Jumlah
139
Total
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PELAKSANAAN KEGIATAN KOMITE KREDIT IMPLEMENTATION OF CREDIT COMMITTEE
ACTIVITIES
Pada tahun 2024 Komite Kredit telah menjalankan fungsi In 2024, the Credit Committee has performed its function in
dalam pemberian keputusan atas usulan pengajuan fasilitas making decisions on credit facility proposals, in accordance
kredit dengan mengacu pada Batas Wewenang Memutus with the established Credit Decision Authority Limits (BWMK),
Kredit (BWMK) yang telah ditetapkan dengan tetap while ensuring that risk management and prudence principles
mempertimbangkan risiko dan prinsip kehati-hatian. Untuk are upheld. For all credit facility proposals, before being decided
seluruh pengajuan fasilitas kredit, sebelum diputuskan oleh by the Credit Committee, they must be reviewed by the Credit
komite kredit harus direview oleh Direktorat Credit Analyst. Analyst Directorate. Credit decisions are made on proposals for
Keputusan kredit diberikan atas pengajuan fasilitas baik untuk new credit facilities, credit facility extensions, additional credit
kredit baru, perpanjangan fasilitas kredit, penambahan fasilitas facilities, credit restructuring/relaxation, and any other matters
kredit, restrukturisasi/relaksasi fasilitas kredit dan hal lainnya related to credit facilities.
yang terkait dengan fasilitas kredit.
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Program pengembangan kompetensi yang diikuti anggota Competency development programs attended by Credit
Komite Kredit sepanjang tahun 2024 adalah sebagai berikut: Committee members throughout 2024 are as follows:
Nama Pelatihan Pihak Penyelenggara Tempat dan Waktu
Name Training Organizer Venue and Time
Handoyo Pembekalan dan Ujian SMR Jenjang 7 Fast Track - LPPI dan LSPP Jakarta, 29 Februari 2024 - 1 Maret
Soedirdja Direksi 2024 dan 22 Maret 2024
Preparation and Examination for SMR Level 7 Fast Jakarta, February 29, 2024 - March 1,
Track - Board of Directors 2024 and March 22, 2024
Pembekalan dan Ujian Sertifikasi Treasury Dealer APUVINDO dan ACI Jakarta, 26 Agustus 2024 dan
Jenjang 7 2 Oktober 2024
Preparation and Examination for Treasury Dealer Jakarta, August 26, 2024 and October
Certification Level 7 2, 2024
Andy Dharma Financial Risk Manager (FRM) - Preparation Program Binus University Business Jakarta, 6 Februari - 18 April 2024
School Jakarta, February 6 - April 18, 2024
Resertifikasi Manajemen Risiko Jenjang 7 Lembaga Sertifikasi Jakarta, 26 April 2024
Re-certification for Risk Management Level 7 Profesional Perbankan Jakarta, April 26, 2024
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Nama Pelatihan Pihak Penyelenggara Tempat dan Waktu
Name Training Organizer Venue and Time
Elvin Halim Resertifikasi Sertifikat Manajemen Risiko LSPP Jakarta, 26 April 2024
Re-certification for Risk Management Certification Jakarta, April 26, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat Jakarta, 21-22 September 2024
Resolution Report (LPS) & Recovery Workshop (OJK) Jakarta, September 21-22, 2024
HR Leaders & HR Tech Strategy Meeting Rockbird Media Pte, Ltd. Jakarta, 19 November 2024
Jakarta, November 19, 2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember 2024
Jakarta, December 11-12, 2024
Lily Pangestu Refreshment SMR RMG Jakarta, 15-17 Januari 2024
SMR Refresher Jakarta, January 15-17, 2024
Refreshment SMR RMG Jakarta, 3-19 Februari 2024
SMR Refresher Jakarta, February 3-19, 2024
Resertifikasi Manajemen Risiko Jenjang 5 BSMR Jakarta, 2 Maret 2024
Re-certification for Risk Management Level 5 Jakarta, March 2, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat Jakarta, 21-22 September 2024
Resolution Report (LPS) & Recovery Workshop (OJK) Jakarta, September 21-22, 2024
Selvy Hutomo Sertifikasi Manajemen Risiko Jenjang 6 LSPP Jakarta, 3 Mei 2024
Risk Management Certification Level 6 Jakarta, May 3, 2024
Nina Novriana Sertifikasi Sertifikat Manajemen Risiko LSPP Jakarta, 3 Mei 2024
Risk Management Certification Jakarta, May 3, 2024
Training Selling Insurance Behaviour Tokio Marine Jakarta, 8 Juni 2024
Jakarta, June 8, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat Jakarta, 21-22 September 2024
Resolution Report (LPS) & Recovery Workshop (OJK) Jakarta, September 21-22, 2024
Ita Iriani Dwi Pembekalan dan Ujian Sertifikasi Manajemen Risiko LPPI dan LSPP Jakarta, 17-18 dan 19 Oktober 2024
Koesharsanti Jenjang 5 Jakarta, October 17-18 and 19, 2024
Risk Management Certification Level 5
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KOMITE ASET DAN LIABILITAS
Asset and Liabilities Committee
Komite Asset and Liabilities (ALCO) dibentuk untuk mencapai The Asset and Liabilities Committee (ALCO) was established to
tingkat profitabilitas Bank secara optimal, serta memastikan achieve an optimal level of profitability of the Bank, as well
risiko likuiditas, risiko suku bunga, dan risiko pasar terkendali as to ensure that liquidity risk, interest rate risk, and foreign
serta meminimalisasi idle funds melalui penetapan kebijakan exchange risk are controlled and to minimize idle funds through
dan strategi aset dan liabilitas (asset and liabilities management). the establishment of asset and liabilities management policies
and strategies.
PEDOMAN DAN TATA TERTIB KERJA ALCO ALCO GUIDELINES
Pedoman dan Tata Tertib Kerja ALCO tertuang dalam Pedoman The Guidelines and Work Rules of ALCO are contained in ALCO
ALCO (ALMA) No. 00004.02.0 tanggal 15 Mei 2023. (ALMA) Guidelines No. 00004.02.0 dated May 15, 2023.
STRUKTUR DAN KEANGGOTAAN ALCO ALCO STRUCTURE AND MEMBERSHIP
Berikut struktur dan keanggotaan ALCO pada tahun 2024 The following is the structure and membership of ALCO in
2024:
1. Ketua I merangkap anggota: Direktur Utama 1. Chairperson I and concurrently a member: President
Director
2. Ketua II merangkap anggota: Wakil Direktur Utama 2. Chairperson II and concurrently a member: Vice President
Director
3. Ketua III merangkap anggota: Direktur yang membawahi 3. Chairperson III and concurrently a member: Director in
Bidang Treasury charge of Treasury
4. Anggota: Seluruh anggota Direksi 4. Members: All members of the Board of Directors
5. ALCO Supporting Team: 5. ALCO Supporting Team:
• Koordinator: Deputy Director Treasury & Fixed Income • Coordinator: Deputy Director Treasury & Fixed Income
• Deputy Director: • Deputy Director:
i. Direktorat Wholesale Banking i. Directorate of Business Banking
ii. Direktorat Financial Institutiton ii. Directorate of Financial Institution
iii. Direktorat Regional Head iii. Directorate of Regional Head
iv. Direktorat Asset Consumer & Retail iv. Directorate of Asset Consumer & Retail
v. Direktorat Asset Corp & Comm v. Directorate of Asset Corp & Comm
vi. Direktorat Fincon vi. Directorate of Fincon
vii. Direktorat Operation 1 vii. Directorate of Operation 1
viii. Direktorat Risk & Management viii. Directorate of Risk & Management
ix. Direktorat Internal Audit (SKAI) ix. Directorate of Internal Audit (SKAI)
x. Direktorat Compliance x. Directorate of Compliance
• Executive Officer Cabang Induk dan Pembantu • Executive Officer of Main Branch
TUGAS DAN TANGGUNG JAWAB ALCO DUTIES AND RESPONSIBILITIES OF ALCO
Berikut adalah tugas dan tanggung jawab ALCO: The following are the duties and responsibilities of ALCO:
1. Menata portofolio di kedua sisi neraca berupa aset dan 1. Managing portfolios on both sides of the balance sheet
kewajiban untuk mencapai hasil net interest margin/spread in the form of assets and liabilities to achieve optimal net
yang optimal dengan tingkat risiko yang dapat diukur dan interest margin/spread results with a level of risk that can
dikendalikan ke level yang dapat diterima oleh Pemangku be measured and controlled to an acceptable level for
Kepentingan Bank; Bank Stakeholders;
2. Menentukan arah kebijakan dan strategi pengembangan 2. Determining the direction of the Bank’s business
usaha Bank, antara lain mengenai struktur tingkat bunga development policies and strategies, including the interest
pendanaan (funding) serta pinjaman atau penempatan rate structure of funding and lending, business expansion
(lending), rencana ekspansi usaha, dan lain-lain; plans, and others;
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3. Mengurangi kemungkinan terjadinya mismatch atas 3. Reducing the possibility of a mismatch in the Bank’s
likuiditas Bank, melalui penetapan keputusan atas rencana liquidity, through decisions on expansion plans on the
ekspansi di sisi aset dengan penghimpunan dana di sisi asset side and fundraising on the liability side;
kewajiban;
4. Penetapan strategi pendanaan, termasuk penetapan suku 4. Determining funding strategies, including interest rates for
bunga dana pihak ketiga dan suku bunga antar kantor third party funds and inter-office interest rates (interoffice
(rekening antar kantor); accounts);
5. Mengambil keputusan atas suku bunga pinjaman dengan 5. Making decisions on lending interest rates by considering
mempertimbangkan tingkat biaya dana (cost of fund), serta the level of cost of funds, as well as other matters deemed
hal-hal lain yang dianggap perlu untuk memperlancar necessary to facilitate the Bank’s operations;
operasional Bank;
6. Menetapkan batas dan pedoman pengelolaan serta 6. Establishing limits and guidelines for the management and
pengendalian risiko khusus yang berdampak pada risiko control of specific risks affecting liquidity risk, interest rate
likuiditas, risiko suku bunga, dan risiko valuta asing; risk, and foreign exchange risk;
7. Melakukan evaluasi terhadap posisi risiko suku bunga Bank 7. Evaluating the Bank’s interest rate risk position and Asset
dan strategi Asset and Liability Management (ALMA) guna and Liability Management (ALMA) strategy to ensure that
memastikan bahwa hasil risk taking position Bank telah the Bank’s risk taking position is consistent with interest
konsisten dengan tujuan pengelolaan risiko suku bunga rate risk management objectives and in accordance with
serta sesuai dengan risk limit Bank; the Bank’s risk limits;
8. Penetapan jenis dan alokasi aset yang diklasifikasikan 8. Determining the type and allocation of assets classified as
sebagai aset likuiditas berkualitas tinggi; high quality liquid assets;
9. Penetapan strategi hedging; 9. Determining hedging strategy;
10. Melakukan kaji ulang deviasi antara hasil realisasi dengan 10. Reviewing deviations between realized results and budget
proyeksi anggaran dan rencana bisnis bank (RBB); projections and the bank’s business plan (RBB);
11. Melakukan pengembangan, kaji ulang dan modifikasi 11. Developing, reviewing and modifying liquidity management
strategi manajemen likuiditas (ALMA) pada berbagai jenis (ALMA) strategies across currencies, regions and business
valuta, wilayah, serta lini bisnis; lines;
12. Melakukan evaluasi dan mitigasi risiko segera terhadap 12. Conducting immediate evaluation and risk mitigation of
kondisi likuiditas dan profil risiko Bank, jika terjadi the Bank’s liquidity condition and risk profile, in the event
perubahan yang berdampak signifikan; of changes that have a significant impact;
13. Melakukan evaluasi terhadap pengendalian risiko 13. Evaluating liquidity risk control implemented through
likuiditas yang dilaksanakan melalui strategi pendanaan, funding strategy, management of liquidity position, liquidity
pengelolaan posisi likuiditas, gap likuiditas dan risiko gap and daily liquidity risk, management of maturity profile
likuiditas harian, pengelolaan maturity profile dan net and net cash flow projection, management of liquidity
cash flow projection, pengelolaan posisi likuiditas dan position and liquidity risk, management of high quality
risiko likuiditas, pengelolaan aktiva likuiditas berkualitas liquid assets, and emergency funding plan;
tinggi, serta rencana pendanaan darurat;
14. Melakukan penyesuaian kebijakan dan strategi manajemen 14. Adjusting risk management policies and strategies for
risiko untuk risiko likuiditas yang diperlukan berdasarkan liquidity risk as necessary based on the latest evaluation
hasil evaluasi terkini; results;
15. Melakukan penetapan dan evaluasi terhadap indikator 15. Establishing and evaluating key indicators that are early
utama yang merupakan indikator peringatan dini (early warning indicators for liquidity risk;
warning indicator) untuk risiko likuiditas;
16. Penyampaian informasi kepada Direksi mengenai tiap 16. Submitting information to the Board of Directors on any
perkembangan ketentuan dan peraturan terkait yang developments in relevant laws and regulations that affect
memengaruhi strategi dan kebijakan ALMA; dan ALMA’s strategies and policies; and
17. Menyusun laporan ALCO untuk disampaikan kepada 17. Preparing ALCO report to be submitted to the Board of
Direksi. Directors.
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PROFIL KOMITE ALCO ALCO COMMITTEE PROFILE
Profil ketua dan anggota Komite ALCO yang menjabat sebagai The profile of the Chairperson and members of the ALCO
Direksi dapat dilihat pada bab Profil Perusahaan dalam buku Committee who serve as Directors is available in the Company
Laporan Tahunan ini. Profile chapter in this Annual Report.
PERNYATAAN INDEPENDENSI KOMITE ALCO INDEPENDENCE STATEMENT OF ALCO
Komite ALCO dalam menjalankan tugasnya berkomitmen untuk The ALCO Committee in carrying out its duties is committed
menjaga independensi meskipun sampai saat ini pernyataan to maintaining independence although until now the
independensi belum tersedia. independence statement is not yet available.
RAPAT ALCO ALCO MEETINGS
Sepanjang tahun 2024, ALCO melaksanakan rapat sebanyak In 2024, ALCO held 11 (eleven) meetings, with the following
11 (sebelas) kali, dengan agenda sebagai berikut: agenda Implementation of ALCO Activities:
Tanggal Agenda
No
Date Agenda
25 Januari 2024
1.
January 25, 2024
23 Februari 2024
2.
February 23, 2024
21 Maret 2024
3. 1. Menerapkan strategy dan pricing suku bunga pendanaan, kredit dan rekening antar kantor
March 21, 2024
2. Membahas konsentrasi pendanaan dan pembiayaan
27 Mei 2024
4. 3. Membahas maturity profile pendanaan dan pembiayaan
May 27, 2024
4. Membahas tren likuiditas melalui pemantauan beberapa indikator rasio likuiditas
24 Juni 2024 5. Membahas pipeline Kredit dan Obligasi Korporasi
5.
June 24, 2024 6. Membahas Geopolitik tension beserta dampaknya terhadap ekonomi global
22 Juli 2024 7. Membahas kebijakan Pemerintahan yang baru seiring dengan pelantikan Presiden baru
6.
July 22, 2024 1. Implementation of strategy and pricing for funding interest rates, credit, and inter-office accounts
21 Agustus 2024 2. Discussion on funding and financing concentration
7. 3. Discussion on maturity profile of funding and financing
August 21, 2024
4. Review of liquidity trends by monitoring various liquidity ratio indicators
24 September 2024
8 5. Discussion on the credit and corporate bond pipeline
September 24, 2024
6. Discussion on geopolitical tensions and their impact on the global economy
29 Oktober 2024 7. Discussion on new government policies in line with the inauguration of the new President
9.
October 29, 2024
26 November 2024
10.
November 26, 2024
23 Desember 2024
11.
December 23, 2024
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PELAKSANAAN KEGIATAN ALCO IMPLEMENTATION OF ALCO ACTIVITIES
Pelaksanaan tugas dan wewenang komite ALCO pada tahun The implementation of the duties and authority of the ALCO
2024 meliputi penentuan strategi dan pricing suku bunga committee in 2024 included determining the strategy and
pendanaan, kredit dan rekening antar kantor, mengkaji maturity pricing of funding interest rates, loans and inter-office accounts,
profile pendanaan dan pembiayaan beserta membahas tren reviewing the maturity profile of funding and financing and
likuiditas perbankan selama 2024. Disisi lain Komite ALCO discussing banking liquidity trends during 2024. On the other
juga membahas dan mengkaji dampak dari Konflik Geopolitik hand, the ALCO Committee also discussed and reviewed the
terhadap ekonomi nasional dan global beserta dampaknya impact of Geopolitical Conflicts on the national and global
terhadap kinerja perbankan. economy and its impact on banking performance.
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Program pengembangan kompetensi yang diikuti anggota Competency development programs attended by ALCO
ALCO sepanjang tahun 2024 adalah sebagai berikut: members throughout 2024 are as follows:
Nama Peserta Pelatihan Penyelenggara Tempat dan Waktu
Participant Name Training Organizer Venue and Date
Handoyo Soedirdja Pembekalan dan Ujian SMR Jenjang 7 - LPPI dan LSPP
Direksi
Jakarta, 29 Februari, 1 dan 22 Maret 2024
Preparatory Course and Examination for Risk
Jakarta February 29, March 1 and 22, 2024
Management Certification Level 7 - Board of
Directors
Heru Helbianto Pembekalan dan Ujian Sertifikasi Treasury APUVINDO dan ACI
Dealer Jenjang 7
Jakarta, 26 Agustus dan 2 Oktober 2024
Preparatory Course and Examination for Risk
Jakarta, August 26 and October 2, 2024
Management Certification Level 7 - Board of
Directors
Refreshment Sertifikasi Manajemen Risiko Risiko Manajemen Jakarta, 3-19 Februari 2024
Risk Management Certification Refreshment Gagasan (RMG) Jakarta, February 3-19, 2024
Resertifikasi Manajemen Risiko BSMR Jakarta, 1 Maret 2024
Risk Management Re-Certification Jakarta, March 1, 2024
Pembekalan dan Ujian Sertifikasi Treasury APUVINDO dan ACI
Dealer Jenjang 7 Jakarta, 20 Juli dan 4 Agustus 2024
Preparatory Course and Examination for Jakarta, July 20 and August 4, 2024
Treasury Dealer Certification Level 7
Angga Wicaksana Refreshment Sertifikasi Manajemen Risiko Risiko Manajemen Jakarta, 15-17 Januari dan 3-19 Februari 2024
Risk Management Certification Refreshment Gagasan (RMG) Jakarta, January 15-17 and February 3-19, 2024
Resertifikasi Manajemen Risiko Jenjang 5 Badan Sertifikasi
Jakarta, 1 Maret 2024
Risk Management Re-Certification Level 5 Manajemen Risiko
Jakarta, March 1, 2024
(BSMR)
Pembekalan Sertifikasi Treasury Dealer APUVINDO
Jenjang 7 Jakarta, 24 Agustus 2024
Preparatory Course for Treasury Dealer Jakarta, August 24, 2024
Certification Level 7
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KOMITE MANAJEMEN RISIKO
Risk Management Committee
Komite Manajemen Risiko yang dibentuk untuk memastikan The Risk Management Committee is established to ensure that
kerangka kerja manajemen risiko telah memberikan the risk management framework provides adequate protection
perlindungan yang memadai terhadap seluruh risiko Bank. against all risks of the Bank. In addition, the Risk Management
Selain itu, Komite Manajemen Risiko juga menyusun kebijakan, Committee also develops policies, strategies and guidelines for
strategi dan pedoman penerapan manajemen risiko, serta the implementation of risk management, as well as improving
menyempurnakan penerapan manajemen risiko. the implementation of risk management.
DASAR PEMBENTUKAN KOMITE MANAJEMEN BASIS FOR THE ESTABLISHMENT OF THE RISK
RISIKO MANAGEMENT COMMITTEE
Komite Manajemen Risiko Bank Artha Graha Internasional The Risk Management Committee of Bank Artha Graha
dibentuk berdasarkan: Internasional was established based on the following:
1. Anggaran Dasar PT Bank Artha Graha Internasional Tbk; 1. Articles of Association of PT Bank Artha Graha Internasional
Tbk;
2. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 2. Financial Services Authority Regulation No. 17 of 2023
tentang Penerapan Tata Kelola bagi Bank Umum; concerning the Implementation of Governance for
Commercial Banks;
3. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 3. Financial Services Authorit y Regulation No. 18/
tentang Penerapan Manajemen Risiko bagi Bank Umum; POJK.03/2016 concerning the Implementation of Risk
Management for Commercial Banks;
4. Surat Edaran Otoritas Jasa Keuangan No. 34/ 4. Circular Letter of the Financial Services Authority No. 34/
SEOJK.03/2016 tentang Penerapan Manajemen Risiko SEOJK.03/2016 concerning the Implementation of Risk
Bagi Bank Umum; dan Management for Commercial Banks; and
5. Surat Keputusan Direksi PT Bank Artha Graha Internasional 5. Board of Directors Decree of PT Bank Artha Graha
Tbk No. DIR-COM & RM/01557/ X /2019 tentang Internasional Tbk No. DIR-COM & RM/01557/X/2019
Pembentukan Komite Manajemen Risiko PT Bank Artha concerning the Establishment of the Risk Management
Graha Internasional Tbk. Committee of PT Bank Artha Graha Internasional Tbk.
PEDOMAN DAN TATA TERTIB KERJA KOMITE RISK MANAGEMENT COMMITTEE GUIDELINES
MANAJEMEN RISIKO
Komite Manajemen Risiko berpedoman pada Peraturan Otoritas The Risk Management Committee refers to the Financial
Jasa Keuangan No. 18/POJK.03/2016 tentang Penerapan Services Authority Regulation No. 18/POJK.03/2016 concerning
Manajemen Risiko bagi Bank Umum dan Peraturan Otoritas the Implementation of Risk Management for Commercial Banks
Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Tata and Financial Services Authority Regulation No. 17 of 2023
Kelola bagi Bank Umum dalam menjalankan tugas dan concerning the Implementation of Governance for Commercial
wewenangnya. Banks in carrying out its duties and responsibilities.
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STRUKTUR DAN KEANGGOTAAN KOMITE STRUCTURE AND MEMBERSHIP OF RISK
MANAJEMEN RISIKO MANAGEMENT COMMITTEE
Keanggotaan Komite Manajemen Risiko Bank Artha Graha The membership of the Risk Management Committee of Bank
Internasional pada tahun 2024 adalah sebagai berikut: Artha Graha Internasional in 2024 is as follows:
Jumlah
Jabatan Personil Keahlian Sertifikasi Profesi
Position Number of Expertise Professional Certification
Personnel
Ketua
Chairperson
Direktur Kepatuhan/ Ahli di bidang perbankan dan keuangan Sertifikasi Manajemen Risiko Jenjang 7
Direktur Independen Expert in banking and finance Risk Management Certification Level 7
1
Compliance Director/
Independent Director
Anggota
Member
Seluruh Direksi Ahli di bidang perbankan dan keuangan Sertifikasi Manajemen Risiko Jenjang 7
4
All Directors Expert in banking and finance Risk Management Certification Level 7
Head of Bureau Ahli di bidang Human Capital Sertifikasi Manajemen Risiko sesuai Jenjang
1
Expert in Human Capital Risk Management Certification (as per level)
Corporate Secretary Ahli di bidang perbankan Sertifikasi Manajemen Risiko Jenjang 7
1
Expert in banking Risk Management Certification Level 7
Chief Financial Officer Ahli di bidang Akuntansi Sertifikasi Manajemen Risiko Jenjang 7
1
Expert in Accounting Risk Management Certification Level 7
Chief Operation Officer Ahli di bidang perbankan Sertifikasi Manajemen Risiko Jenjang 5
1
Expert in banking Risk Management Certification Level 5
Seluruh Associate Director Ahli di bidang perbankan Sertifikasi Manajemen Risiko Jenjang 7
2
All Associate Directors Expert in banking Risk Management Certification Level 7
Legal Bureau Ahli di bidang Hukum Sertifikasi Manajemen Risiko Jenjang 5
1
Expert in Legal Risk Management Certification Level 5
Seluruh Deputy Director Ahli di bidang perbankan Sertifikasi Manajemen Risiko sesuai Jenjang
20
All Deputy Directors Expert in banking Risk Management Certification (as per level)
Head of Internal Audit Ahli di bidang perbankan dan keuangan Sertifikasi Manajemen Risiko Jenjang 7
1
Expert in banking and finance Risk Management Certification Level 7
PROFIL KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE PROFILE
Profil ketua dan anggota Komite Manajemen Risiko yang The profile of the Chairperson and members of the Risk
menjabat sebagai Direksi dapat dilihat pada bab Profil Management Committee who serve as Directors can be seen
Perusahaan dalam buku Laporan Tahunan ini. in the Company Profile chapter in this Annual Report.
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PERNYATAAN INDEPENDENSI KOMITE INDEPENDENCE STATEMENT OF THE RISK
MANAJEMEN RISIKO MANAGEMENT COMMITTEE
Bank Artha Graha Internasional berkomitmen untuk menjalankan Bank Artha Graha Internasional is committed to carrying out
tugasnya secara independen, objektif, dan profesional, sesuai its duties independently, objectively, and professionally, in
dengan prinsip Good Corporate Governance (GCG) serta accordance with the principles of Good Corporate Governance
regulasi yang berlaku. Dengan menghindari konflik kepentingan (GCG) and prevailing regulations. By avoiding conflicts of
dan memastikan transparansi dalam evaluasi serta mitigasi interest and ensuring transparency in risk evaluation and
risiko, Komite Manajemen Risiko bertanggung jawab untuk mitigation, the Risk Management Committee is responsible
memberikan rekomendasi yang bebas dari intervensi pihak for providing recommendations that are free from any external
manapun guna menjaga stabilitas keuangan dan keberlanjutan interference, in order to safeguard the Bank’s financial stability
operasional bank. Melalui peran ini, Komite Manajemen Risiko and operational sustainability. Through this role, the Risk
mendukung pertumbuhan bank yang sehat dan berkelanjutan Management Committee supports the Bank’s sound and
serta menjaga kepercayaan stakeholder, termasuk nasabah, sustainable growth while maintaining the trust of stakeholders,
regulator, dan pemegang saham. including customers, regulators, and shareholders.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF RISK
MANAJEMEN RISIKO MANAGEMENT COMMITTEE
Tugas dan tanggung jawab Komite Manajemen Risiko adalah: The duties and responsibilities of the Risk Management
Committee include:
1. Memberikan rekomendasi kepada Direktur Utama 1. Provide recommendations to the President Director
mengenai hal-hal yang berkaitan dengan Penerapan regarding matters relating to the Implementation of Risk
Manajemen Risiko; Management;
2. Menyusun kebijakan, terkait manajemen risiko serta 2. Developing policies, related to risk management and its
perubahannya, termasuk strategi manajemen risiko, tingkat changes, including risk management strategies, risk
risiko yang diambil (risk appetite) dan toleransi risiko (risk appetite and risk tolerance, risk management framework,
tolerance), kerangka manajemen risiko, serta rencana and contingency plans to anticipate the occurrence of
kontinjensi untuk mengantisipasi terjadinya kondisi tidak abnormal conditions;
normal;
3. Menyempurnakan proses manajemen risiko secara 3. Improving the risk management process periodically or
berkala maupun bersifat insidental sebagai akibat dari incidentally as a result of changes in the Bank’s external
suatu perubahan kondisi eksternal dan internal Bank and internal conditions that affect the adequacy of capital,
yang memengaruhi kecukupan permodalan, profil risiko the Bank’s risk profile, and the ineffective implementation
Bank, dan tidak efektifnya penerapan manajemen risiko of risk management based on the evaluation results; and
berdasarkan hasil evaluasi; dan
4. Menetapkan kebijakan dan keputusan bisnis yang 4. Establishing policies and business decisions that deviate
menyimpang dari prosedur normal, seperti pelampauan from normal procedures, such as significant business
ekspansi usaha yang signifikan dibanding dengan expansion compared to the bank’s previously established
rencana bisnis bank yang telah ditetapkan sebelumnya business plan or taking positions/risk exposures that
atau pengambilan posisi/eksposur risiko yang melampaui exceed predetermined limits.
limit yang telah ditetapkan.
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RAPAT KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE MEETINGS
Sepanjang tahun 2024, Komite Manajemen Risiko melaksanakan Throughout 2024, the Risk Management Committee held 4
rapat sebanyak 4 (empat) kali, dengan agenda sebagai berikut: (four) meetings with the following agenda:
Tanggal Agenda
No
Date Agenda
1. 29 April 2024 1. Laporan profil risiko triwulan I tahun 2024
April 29, 2024 2. Stress Test risiko kredit, risiko pasar, dan risiko likuiditas
3. Laporan pengukuran kecukupan rasio Liquidty Coverage Ratio (LCR) & Net Stable Funding Ratio (NSFR)
4. Update progress development aplikasi Operational Risk Management (ORM)
5. Update progress pembentukan Business Continuity Management (BCM) terkait Alternate Site &
Perlengkapan
1. Report on the risk profile for Q1 2024
2. Stress test for credit risk, market risk, and liquidity risk
3. Report on the measurement of the Liquidity Coverage Ratio (LCR) & Net Stable Funding Ratio (NSFR)
adequacy
4. Update on the progress of the Operational Risk Management (ORM) application development
5. Update on the progress of establishing the Business Continuity Management (BCM) related to Alternate
Site & Equipment
2. 15 Juli 2024 1. Laporan Profil risiko triwulan II tahun 2024
July 15, 2024 2. Hasil review parameter dan threshold pengukuran parameter profil risiko
3. Pemantauan risiko kredit s/d periode Mei 2024
4. Update progres development aplikasi Operational Risk Management (ORM)
1. Report on the risk profile for Q2 2024
2. Review results of parameters and thresholds for risk profile measurement
3. Monitoring of credit risk until May 2024
4. Update on the progress of the Operational Risk Management (ORM) application development
3. 26 Agustus 2024 1. Laporan profil risiko periode Juli 2024 dibanding Juni 2024
August 26, 2024 2. Tindak lanjut eksposur risiko kredit
1. Report on the risk profile for the period July 2024 compared to June 2024
2. Follow-up on credit risk exposure
4. 29 Oktober 2024 1. Analisa sektor ekonomi prioritas tahun 2025
October 29, 2024 2. Rekomendasi sektor ekonomi prioritas yang mendapatkan insentif KLM
1. Analysis of priority economic sectors for 2025
2. Recommendations for priority economic sectors receiving KLM incentives
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Corporate Social Safety Responsibility
P E L A K S A N A A N K E G I ATA N KO M I T E IMPLEMENTATION OF RISK MANAGEMENT
MANAJEMEN RISIKO COMMITTEE ACTIVITIES
Program Kerja Realisasi 2024
Work Program Realization 2024
Tingkat Profil Risiko di PK-2 Selama tahun 2024 Tingkat Profil Risiko terjaga di PK-2
Risk Profile Level in PK-2 Throughout 2024, the Risk Profile level is maintained at PK-2.
Pemantauan kredit bermasalah Penurunan rasio LaR dari 26,15% menjadi 19,28%
Monitoring Non-Performing Loans (NPL) Reduction of the Loan at Risk (LaR) ratio from 26.15% to 19.28%.
Penurunan eksposur risiko operasional Development aplikasi Operational Risk Management (ORM)
Reduction of Operational Risk Exposure Development of the Operational Risk Management (ORM) application.
Laporan Rencana Aksi Keuangan Berkelanjutan (RAKB) tahun 2025
Pembuatan laporan Rencana Aksi Keuangan Berkelanjutan (RAKB) tahun
tepat waktu di bulan November tahun 2024
2025
The Sustainable Financial Action Plan (RAKB) Report for 2025 will be
Creation of Sustainable Financial Action Plan (RAKB) Report for 2025
submitted on time in November 2024.
Tinjauan dan rekomendasi sektor ekonomi prioritas untuk tahun
Rekomendasi sektor ekonomi prioritas untuk tahun 2025
2025
Recommendation for Priority Economic Sectors for 2025
Review and recommendation of priority economic sectors for 2025.
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Program pengembangan kompetensi yang diikuti anggota Competency development programs attended by members
Komite Manajemen Risiko sepanjang tahun 2024 adalah of the Risk Management Committee throughout 2024 are
sebagai berikut: as follows:
Nama Peserta Pelatihan Penyelenggara Tempat dan Waktu
Name of Participant Training Organizer Venue and Date
Indrastomo Nugroho Penyelarasan Sertifikasi Manajemen Risiko jenjang 7 Banker Association for Risk Jakarta, 7-8 Maret 2024
Risk Management Certification Alignment Level 7 Management (BARa) Jakarta, March 7-8, 2024
Resertifikasi Manajemen Risiko Jenjang 7 Lembaga Sertifikasi Profesi Jakarta, 6 April 2024
Risk Management Certification Re-certification Level Perbankan (LSPP) Jakarta, April 6, 2024
7
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
Ponttie Prasnanugraha Resertifikasi Manajemen Risiko Jenjang 7 Lembaga Sertifikasi Profesional Jakarta, 26 April 2024
Perkasa Risk Management Certification Re-certification Level Perbankan Jakarta, April 26, 202
7
Implementasi PSAK 71 Intelsysdata Jakarta, 12-13 Juli 2024
PSAK 71 Implementation Jakarta, July 12-13, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat Jakarta, 21-22 September
Workshop on Resolution Reports (LPS) & Recovery 2024
(OJK) Jakarta, September 21-22,
2024
2024 Annual Report PT Bank Artha Graha Internasional Tbk 319
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KOMITE PENGARAH TEKNOLOGI INFORMASI
Information Technology Steering Committee
DASAR PEMBENTUKAN KOMITE PENGARAH BASIS OF ESTABLISHMENT OF INFORMATION
TEKNOLOGI INFORMASI TECHNOLOGY STEERING COMMITTEE
Komite Pengarah Teknologi Informasi dibentuk berdasarkan The Information Technology Steering Committee was
pada Surat Edaran Otoritas Jasa Keuangan No. 21/ established based on the Circular Letter of the Financial
SEOJK.03/2017 tentang Penerapan Manajemen Risiko dalam Services Authority No. 21/SEOJK.03/2017 concerning the
Penggunaan Teknologi Informasi oleh Bank Umum, Peraturan Implementation of Risk Management in the Use of Information
Otoritas Jasa Keuangan No. 13/POJK.03/2020 tentang Technology by Commercial Banks, Financial Services Authority
Perubahan atas Peraturan Otoritas Jasa Keuangan No. 38/ Regulation No. 13/POJK.03/2020 concerning Amendments to
POJK.03/2016 tentang Penerapan Manajemen Risiko dalam Financial Services Authority Regulation No. 38/POJK.03/2016
Penggunaan Teknologi Informasi oleh Bank umum dan No. 11/ concerning the Implementation of Risk Management in the Use
POJK.03/2022 tentang Penyelenggaraan Teknologi Informasi of Information Technology by Commercial Banks and No. 11/
oleh Bank Umum. POJK.03/2022 concerning the Implementation of Information
Technology by Commercial Banks.
STRUKTUR DAN KEANGGOTAAN KOMITE STRUCTURE AND MEMBERSHIP OF THE
PENGARAH TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY STEERING
COMMITTEE
Komite Pengarah Teknologi Informasi terdiri dari: The Information Technology Steering Committee consists of:
Ketua : Direktur Compliance & Risk Chairperson : Director of Compliance & Risk
Anggota : 1. Direksi Members : 1. Board of Directors
2. Seluruh Direktorat yang berada dibawah: 2. All Directorates under the following:
a. Direktur Business; a. Director of Business;
b. Direktur Compliance & Risk; b. Director of Compliance & Risk;
c. Direktur Asset & Recovery; c. Director of Asset & Recovery;
d. Head of Bureau; d. Head of Bureau;
e. Corporate Secretary; e. Corporate Secretary;
f. Chief Financial Officer; dan f. Chief Financial Officer; and
g. Chief Operating Officer. g. Chief Operating Officer.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE
PENGARAH TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY STEERING
COMMITTEE
Wewenang dan tanggung jawab Komite Pengarah Teknologi The authority and responsibility of the Information Technology
Informasi adalah memberikan rekomendasi kepada Dewan Steering Committee is to provide recommendations to the
Komisaris dan Direksi, antara lain sebagai berikut: Board of Commissioners and Directors, including as follows:
1. Mempersiapkan rencana strategis teknologi informasi 1. Preparing information technology strategic plan in
sesuai dengan rencana strategis kegiatan usaha Bank; accordance with the strategic plan of the Bank’s business
activities;
2. Merumuskan kebijakan dan prosedur teknologi informasi 2. Formulating key information technology policies and
yang utama seperti kebijakan pengamanan teknologi procedures such as information technology security
informasi dan manajemen risiko penggunaan teknologi policies and information technology risk management;
informasi;
3. Memeriksa kesesuaian proyek teknologi informasi yang 3. Examining the conformity of approved information
disetujui dengan rencana strategis teknologi informasi; technology projects with the information technology
strategic plan;
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4. Memeriksa kesesuaian pelaksanaan proyek-proyek 4. Examining the suitability of the implementation of
teknologi informasi dengan rencana proyek (project information technology projects with the project charter
charter) yang disepakati dalam Service Level Agreement; agreed in the Service Level Agreement;
5. Memeriksa kesesuaian teknologi informasi dengan 5. Examining the suitability of information technology with
kebutuhan sistem informasi manajemen yang mendukung the needs of management information systems that
pengelolaan kegiatan usaha Bank; support the management of the Bank’s business activities;
6. Mengawasi investasi yang optimal atas penyelenggaraan 6. Overseeing optimal investment in the implementation and
dan penggunaan teknologi informasi sesuai dengan use of information technology in accordance with the
kegiatan usaha Bank; Bank’s business activities;
7. M e mantau k in e rja te k nolo gi informa si, ri siko 7. Monitoring the performance of information technology,
penyelenggaraan dan penggunaan teknologi informasi, the risks associated with its operation and usage, as well
serta upaya peningkatannya termasuk mengevaluasi as the efforts to improve it, including evaluating the cost-
atas efektivitas biaya teknologi informasi terhadap effectiveness of information technology in supporting
penyelenggaraan kegiatan; business operations;
8. Mengupayakan penyelesaian berbagai masalah terkait 8. Striving to resolve various information technology-related
teknologi informasi yang tidak dapat diselesaikan oleh issues that cannot be effectively, efficiently, and promptly
satuan kerja pengguna dan satuan kerja penyelenggara addressed by the user and provider work units; and
secara efektif, efisien dan tepat waktu; dan
9. Menetapkan skala prioritas proyek teknologi informasi 9. Determining the priority scale of critical information
yang bersifat kritikal. technology projects.
PROFIL KOMITE TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY COMMITTEE
PROFILE
Profil ketua dan anggota Komite Teknologi Informasi yang The profile of the Chairperson and members of the Information
menjabat sebagai Direksi dapat dilihat pada bab Profil Technology Committee who serve as Directors is available in
Perusahaan dalam buku Laporan Tahunan ini. the Company Profile chapter in this Annual Report.
PERNYATAAN INDEPENDENSI KOMITE STATEM ENT O F I N D EPEN D EN C E O F
TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY COMMITTEE
Komite Teknologi Informasi dalam menjalankan tugasnya The Information Technology Committee in carrying out its
berkomitmen untuk menjaga independensi meskipun sampai duties is committed to maintaining independence although
saat ini pernyataan independensi belum tersedia. until now the independence statement is not yet available.
M E K A N I S M E P E N G A N G K ATA N DA N APPOINTMENT AND DISMISSAL MECHANISM
PEMBERHENTIAN KOMITE PENGARAH OF INFORMATION TECHNOLOGY STEERING
TEKNOLOGI INFORMASI COMMITTEE APPOINTMENTS AND CHANGES
TO THE INFORMATION TECHNOLOGY
Pengangkatan dan perubahan Komite Pengarah Teknologi Steering Committee are adjusted to the prevailing organizational
Informasi disesuaikan dengan struktur organisasi Bank Artha structure of Bank Artha Graha Internasional and authorized by
Graha Internasional yang berlaku dan disahkan oleh Direksi. the Board of Directors.
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RAPAT KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING
INFORMASI COMMITTEE MEETINGS
Sepanjang tahun 2024, Komite Pengarah Teknologi Informasi Throughout 2023, the Information Technology Steering
melaksanakan rapat sebanyak 4 (empat) kali, dengan agenda Committee held 4 (four) meetings with the following agenda:
sebagai berikut:
Tanggal Pokok Pembahasan
No
Date Key Discussion Points
1. 08 Januari 2024 Update Implementasi Upgrade T24
January 8, 2024 Update on T24 Upgrade Implementation
2. 28 Februari 2024 Update Upgrade T24 dan Usulan Produk di T24
February 28, 2024 Update on T24 Upgrade and Product Proposals in T24
3. 01 April 2024 Update Operation dan Progress Upgrade T24
April 1, 2024 Update on Operations and Progress of T24 Upgrade
4. 01 Agustus 2024 1. Upgrade T24
August 1, 2024 2. LRPTI
3. Finalisasi IT Cost
4. Manpower kedepan
5. Posisi IT Today
6. Roadmap kedepan
7. Critical items done in 2024 - 2025 (semester 1)
8. Penguatan dalam penerapan SLA 99,95% untuk payment, QRIS, apps
9. Penguatan Cyber Security
10. Pemanfaatan cloud & on premises
11. lain-lain
1. T24 Upgrade
2. LRPTI
3. Finalization of IT Costs
4. Future Manpower Plans
5. Current IT Position
6. Roadmap for the Future
7. Critical Items Completed in 2024 - 2025 (Semester 1)
8. Strengthening the implementation of SLA 99.95% for payments, QRIS, apps
9. Strengthening Cybersecurity
10. Utilization of Cloud & On-premises
11. Miscellaneous
P E L A K S A N A A N K E G I ATA N KO M I T E IMPLEMENTATION OF INFORMATION
PENGARAH TEKNOLOGI INFORMASI TECHNOLOGY STEERING COMMITTEE
ACTIVITIES
Dalam melaksanakan tugas kepengurusannya, anggota komite In carrying out their management duties, committee members
melakukan pemantauan kinerja TI dan upaya peningkatannya monitor IT performance and improve it through monitoring
melalui pengawasan dan evaluasi realisasi program kerja yang and evaluating the realization of agreed work programs
telah disepakati sesuai rencana strategis kegiatan usaha Bank, in accordance with the Bank’s strategic plan for business
serta melakukan pemantauan atas penggunaan anggaran TI. activities, as well as monitoring the use of the IT budget. So that
Sehingga Teknologi Informasi dapat diterapkan sesuai dengan Information Technology can be applied in accordance with the
kebutuhan usaha Bank, dengan detil sebagai berikut: Bank’s business needs, with the following details:
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Corporate Social Safety Responsibility
Program Kerja Realisasi 2024
Work program Realization 2024
Pengembangan Fitur API Management, Mobile 1. Pengembangan API Standard & Catalog:
Apps dan Internet Banking • API Dukcapil/Vendor untuk EKYC
API Management, Mobile Apps and Internet • API BI-FAST
Banking Feature Development • API Enhancement pencairan, pembayaran dan pelunasan P2P Lending Mitra
2. Penambahan fitur baru di agi apps untuk fitur life (tabungan emas), biller, loyalty point,
eKYC opening account
3. Pengembangan layanan QRIS Tuntas untuk Tarik setor dan transfer QRIS
4. Penambahan fitur cross currency dan transaksi SWIFT.
5. Digital Lending - Pengembangan produk pinjaman untuk kepentingan konsumtif maupun
modal kerja kepada pelaku UMKM melalui aplikasi mobile maupun platform online.
1. API Standard & Catalog Development:
• Dukcapil/Vendor API for EKYC
• BI-FAST API
• Enhancement APIs for disbursement, payment, and settlement of P2P Lending Partner
transactions
2. Addition of new features in AGI apps for life features (gold savings, biller, loyalty points, eKYC
account opening)
3. Development of QRIS Tuntas services for deposit withdrawals and QRIS transfers
4. Addition of cross-currency features and SWIFT transactions
5. Digital Lending - Development of loan products for both consumer and working capital
purposes for SMEs through mobile apps and online platforms
Pengembangan Fitur guna mendukung 1. Pengembangan dashboard dan report MIS sesuai dengan kebutuhan bisnis untuk
operasional dan pelaporan Bank meminimalisir proses manual dalam proses pelaporan Antasena, SLIK, LPS/SCV, APOLO,
Feature Development to Support Bank OBOX, OBLIGOR, PSAK
Operations and Reporting 2. Pengembangan fitur pengajuan pinjaman yang terintegrasi dengan beragam sumber data
untuk memperkaya sistem skoring dalam otomasi Analisa kredit dan perilaku nasabah,
serta terintegrasi dengan proses verifikasi nasabah secara elektronik (eKYC)
3. Mengambil informasi teks dari tiket transaksi, untuk pemeriksaan fisik tiket
4. Penguatan fungsi kepatuhan agar memastikan seluruh kegiatan operasional telah comply
sesuai dengan ketentuan regulator dan internal bank yang berlaku
1. Development of dashboards and MIS reports according to business needs to minimize
manual processes in reporting Antasena, SLIK, LPS/SCV, APOLO, OBOX, OBLIGOR, PSAK
2. Development of loan application features integrated with various data sources to enrich
the credit scoring system and automate credit analysis and customer behavior, as well as
integrating electronic customer verification (eKYC)
3. Extraction of text information from transaction tickets for physical ticket inspection
4. Strengthening compliance functions to ensure all operational activities comply with applicable
regulations and internal bank policies
Penguatan infrastruktur dan peningkatan 1. Implementasi penggunaan Active Directory untuk mengelola policy user
sistem keamanan di internal 2. Pengkinian/pelaksanaan upgrade operating system di end user workstation untuk tetap
Infrastructure Strengthening and Security mendapatkan patch dan keamanan Windows terkini (Upgrade OS di komputer klien
System Enhancements menjadi Windows 10/11.
3. Aplikasi administrasi permintaan pemeliharaan dan perubahan kewenangan User ID
Aplikasi
4. Pemantauan terhadap log-log server, perangkat jaringan dan perangkat keamanan melalui
SIEM (Security Information & Event Management) dan SOC (Security Operation Center) yang
beroperasi 24/7.
1. Implementation of Active Directory for user policy management
2. Updating/implementation of operating system upgrades on end-user workstations to ensure
they receive the latest security patches and updates (Upgrade client computers to Windows
10/11)
3. Administration application for maintenance requests and changes to user ID application
permissions
4. Monitoring server logs, network devices, and security devices through SIEM (Security
Information & Event Management) and SOC (Security Operation Center), operating 24/7
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PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Program pengembangan kompetensi yang diikuti anggota Competency development programs attended by members
Komite Pengarah Teknologi Informasi sepanjang tahun 2024 of the Information Technology Steering Committee
adalah sebagai berikut: throughout 2024 are as follows:
Nama Peserta Pelatihan Pihak Penyelenggara Tempat dan Waktu
Participant Name Training Organizer Venue and Time
Andy Kasih Sertifikasi Manajemen Risiko Jenjang 7 LSPP Jakarta, 26 April 2024
Risk Management Certification Level 7 Jakarta, April 26, 2024
Seminar Penyelarasan Manajemen Risiko Jenjang 7 Bankers Association for Risk Jakarta, 3-4 Juli 2024
Risk Management Alignment Seminar Level 7 Management (BARa) Jakarta, July 3-4, 2024
Risk Management (BARa)
Lince Maria Tobing Workshop Penilai Jaminan Internal Bank dan KJPP Jakarta, 9-11 Mei 2024
Collateral Valuation Workshop Herman Meirizki & Rekan Jakarta, May 9-11, 2024
Pembekalan dan Ujian Sertifikasi Manajemen Risiko LPPI dan LSPP Jakarta, 28-29 Mei 2024,
Jenjang 4 12 Juni 2024
Risk Management Certification Preparation and Jakarta, May 28-29, 2024,
Examination Level 4 June 12, 2024
Implementasi PSAK 71 Intelsysdata Jakarta, 12-13 Juli 2024
PSAK 71 Implementation Jakarta, July 12-13, 2024
Pembekalan dan Ujian Sertifikasi Manajemen Risiko LPPI dan LSPP Jakarta, 17-18 & 19 Oktober
Jenjang 5 2024
Risk Management Certification Preparation and Jakarta, October 17-18 & 19,
Examination Level 5 2024
Ghifari Daulagiri Refreshment SMR RMG 22-27 April 2024
SMR Refreshment April 22-27, 2024
Resertifikasi Manajemen Risiko Jenjang 5 LSPP 7 Mei 2024
Risk Management Certification Renewal Level 5 May 7, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat 21-22 September 2024
Resolution Report (LPS) & Recovery (OJK) Workshop September 21-22, 2024
Workshop: Lessons from the World's Best Digital Bank Intellectual Business 24 Oktober 2024
2024 - NuBank Community October 24, 2024
Imranul Hadi Sertifikasi Manajemen Risiko Jenjang 6 LSPP 7 Mei 2024
Risk Management Certification Level 6 May 7, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat 21-22 September 2024
Resolution Report (LPS) & Recovery (OJK) Workshop September 21-22, 2024
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
KOMITE HUMAN CAPITAL
Human Capital Committee
Dalam upaya meningkatkan efektifitas proses pengambilan In an effort to improve the effectiveness of the decisionmaking
keputusan terkait Human Capital, diperlukan kajian materi yang process related to Human Capital, a comprehensive review
komprehensif melalui pembahasan dalam rapat komite Human of the material is required through discussion in the Human
Capital. Dengan demikian, Manajemen dapat mengambil Capital committee meeting. Thus, Management can make
keputusan yang tepat demi tercapainya pengelolaan Human the right decisions in order to achieve quality, consistent,
Capital yang berkualitas, konsisten, berkesinambungan sesuai sustainable Human Capital management in accordance with
dengan visi, misi dan nilai nilai perusahaan. Human Capital the vision, mission and values of the company. Human Capital
menjadi perhatian dan prioritas utama Bank mengingat Human is the Bank’s main concern and priority considering that
Capital adalah aset yang penting bagi bank. Human Capital is an important asset for the Bank.
FUNGSI KOMITE HUMAN CAPITAL HUMAN CAPITAL COMMITTEE FUNCTIONS
Mengacu pada penjelasan di atas, maka Direksi membentuk Referring to the above explanation, the Board of Directors
Komite Human Capital yang berfungsi untuk membantu Direksi established the Human Capital Committee which functions to
dalam memberi saran, pertimbangan dan rekomendasi sebagai assist the Board of Directors in providing advice, considerations
komitmen manajemen dalam pengelolaan Human Capital yang and recommendations as a management commitment in
dapat menjadi acuan dalam pengambilan keputusan terkait Human Capital management which can be a reference in
pengelolaan Human Capital. Fungsi Komite Human Capital making decisions related to Human Capital management. The
juga diperlukan dalam upaya mengakselerasi implementasi function of the Human Capital Committee is also needed in
kebijakan-kebijakan Human Capital agar berdampak positif an effort to accelerate the implementation of Human Capital
bagi karyawan dan Bank. policies in order to have a positive impact on employees and
the Bank.
DASAR HUKUM KOMITE HUMAN CAPITAL LEGAL BASIS FOR THE HUMAN CAPITAL
COMMITTEE
Usulan Pembentukan Komite Human Capital telah disampaikan The proposal for the establishment of the Human Capital
dalam Rapat Umum Pemegang Saham (RUPS) PT Bank Committee was presented at the General Meeting of
Artha Graha Internasional Tbk pada tanggal 25 Juli 2022. Shareholders (GMS) of PT Bank Artha Graha Internasional Tbk
Usulan ini direalisasikan pada bulan September 2022. Tahun on July 25, 2022. This proposal was realized in September
2024 diperbaharui dengan SK Direksi No. 007/ KEP-DIR/ 2022. In 2024, it was updated with the Board of Directors
IV/2024 tentang Komite Human Capital PT Bank Artha Graha Decree No. 007/KEP-DIR/IV/2024 regarding the Human
Internasional Tbk tanggal 1 April 2024, untuk masa jabatan Capital Committee of PT Bank Artha Graha Internasional Tbk
selama 3 (tiga) tahun sejak tanggal ditetapkan. dated April 1, 2024, for a term of 3 (three) years from the date
of enactment.
KOMPOSISI ANGGOTA KOMITE HUMAN COMP O S ITION OF HUMAN CAPITAL
CAPITAL COMMITTEE MEMBERS
1. Ketua : President Director 1. Chairperson : President Director
2. Anggota : Vice President Director 2. Member : Vice President Director
Jajaran Direksi Board of Directors
Vice Head of Bureau Human Capital Vice Head of Bureau Human Capital
Deputy Director Human Capital Deputy Director Human Capital
Associate Director Retail Banking Associate Director Retail Banking
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TUGAS DAN TANGGUNG JAWAB HUMAN DUTIES AND RESPONSIBILITIES OF HUMAN
CAPITAL CAPITAL COMMITTEE
1. Memberi arahan stratejik dan memutuskan kebijakan 1. Providing strategic direction and decide on general
umum dalam hal pengelolaan Human Capital termasuk policies in terms of Human Capital management including
perubahannya (jika diperlukan) yang meliputi bidang- changes (if necessary) covering the following areas:
bidang sebagai berikut:
a. Strategi dan Kebijakan Umum tentang Human Capital; a. General Strategy and Policy on Human Capital;
b. Kompensasi dan keuntungan (benefit) karyawan - b. Employee compensation and benefits - including salaries,
termasuk gaji, bonus, program retensi, dll; bonuses, retention programs, etc;
c. Manajemen penilaian kinerja - termasuk promosi/ c. Performance appraisal management - including
demosi jabatan; promotion/demotion;
d. Manajemen Talenta/Kader - termasuk identifikasi kader, d. Talent/Cadre Management - including cadre
program pengembangan kader; identification, cadre development programs;
e. Perencanaan Suksesi (Succession Planning); e. Succession Planning;
f. Struktur Organisasi; f. Organizational Structure;
g. Jenjang Kepangkatan; g. Rank;
h. Pelatihan dan Pengembangan karyawan; h. Employee training and development;
i. Budaya dan nilai-nilai perusahaan serta keterikatan i. Company culture and values and employee engagement;
karyawan;
j. Pengembangan hubungan karyawan dan industri j. Development of employee and industry relations
termasuk upaya antisipatif dan tindak lanjut penyelesaian including anticipatory and follow-up efforts to resolve
kasus pelanggaran dan kejahatan Bank, fraud, masalah cases of Bank violations and crimes, fraud, integrity
integritas, dll dalam upaya peningkatan kepatuhan issues, etc. in an effort to improve employee compliance
karyawan dan pencegahan permasalahan karyawan; and prevent employee problems;
k. Perencanaan tenaga kerja dan mitigasi perubahan; k. Workforce planning and change mitigation;
l. Kesehatan dan keselamatan organisasi; l. Organizational health and safety;
m. Penyelarasan kebijakan dan sinergi Human Capital Bank m. Policy alignment and synergy of the Bank’s Human
dengan anak perusahaan/group; dan Capital with subsidiaries/groups; and
n. Dan lain-lain sesuai kebutuhan bank. n. And other matters according to the needs of the bank.
2. Melaksanakan tugas-tugas dan tanggung jawab lain yang 2. Carrying out other duties and responsibilities that may be
mungkin diberikan Direksi kepada Komite Human Capital assigned by the Board of Directors to the Human Capital
sesuai kebutuhan dari waktu ke waktu. Committee as needed from time to time.
3. Bertanggung jawab kepada Direksi dan secara rutin 3. Responsible to the Board of Directors and regularly reports
melaporkan kegiatan serta hasil rapat kepada Direksi. activities and meeting results to the Board of Directors.
PEDOMAN KEBIJAKAN DAN MEKANISME POLICY GUIDELINES AND MECHANISM OF
PELAKSANAAN RAPAT KOMITE COMMITTEE MEETINGS
1. Penyelenggaraan rapat Komite Human Capital diadakan 1. The Human Capital Committee meetings are held at least
minimum 1 (satu) kali dalam 1 (satu) bulan atau sesuai 1 (one) time in 1 (one) month or as needed;
kebutuhan;
2. Undangan rapat harus disampaikan kepada seluruh 2. Meeting invitations must be delivered to all Committee
anggota Komite selambatnya 3 (tiga) hari sebelum members at least 3 (three) days prior to the meeting;
pelaksanaan rapat;
3. Agenda dan materi rapat Komite Human Capital dibagikan 3. The Human Capital Committee meeting agenda and
kepada seluruh peserta rapat selambatnya 2 (dua) hari materials are distributed to all meeting participants at the
sebelum pelaksanaan rapat; latest 2 (two) days prior to the meeting;
4. Rapat dapat terlaksana dan dinyatakan kuorum apabila 4. Meetings can be held and declared a quorum if attended
dihadiri lebih dari 50% anggota Komite; by more than 50% of the Committee members;
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
5. Keputusan yang diambil berdasarkan musyawarah untuk 5. Decisions are made based on deliberation for consensus.
mufakat. Apabila keputusan dengan cara mufakat tidak If a decision by way of consensus is not reached, then the
tercapai, maka keputusan akan diambil dengan cara decision will be taken by way of determination of a majority
penentuan suara terbanyak (voting); vote (voting);
6. Seluruh proses pengambilan keputusan (termasuk jika ada 6. The entire decision-making process (including if there are
perbedaan pendapat) agar dibuat secara tertulis dalam differences of opinion) should be made in writing in the
risalah rapat termasuk alasan perbedaan pendapat dan minutes of the meeting including the reasons for dissent
didokumentasikan dengan baik dan lengkap; and documented properly and completely;
7. Risalah rapat akan dibagikan kepada seluruh anggota 7. Minutes of the meeting will be distributed to all Committee
Komite, anggota Direksi dan Sekretaris Perusahaan (jika members, members of the Board of Directors and the
diperlukan); Corporate Secretary (if required);
8. Setiap anggota Komite yang secara pribadi baik secara 8. Any Committee member who personally, directly or
langsung maupun tidak langsung mempunyai kepentingan indirectly, has an interest in a situation, transaction, contract
dalam suatu situasi, transaksi, kontrak atau hal lain yang or other proposed matter to which the Company is a party,
diusulkan dalam hal mana Perseroan menjadi salah satu must declare this and is not entitled to participate in voting,
pihak, harus menyatakan/mendeklarasi hal ini dan tidak unless the Committee meeting determines otherwise. This
berhak ikut dalam pengambilan suara, kecuali rapat Komite is to avoid any conflict of interest; and
menentukan lain. Hal ini untuk menghindari terjadinya
konflik kepentingan; dan
9. Ketentuan dalam Kebijakan dan Mekanisme Pelaksanaan 9. The provisions in this Policy and Mechanism of Committee
Rapat Komite ini dapat dikaji ulang sesuai kebutuhan. Meetings may be reviewed as needed.
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Program pengembangan kompetensi yang diikuti anggota Competency development programs attended by members
Komite Human Capital sepanjang tahun 2024 adalah sebagai of the Human Capital Committee throughout 2024 are as
berikut: follows:
Nama Peserta Pelatihan Pihak Penyelenggara Tempat dan Waktu
Participant Name Training Organizer Venue and Date
Andy Kasih Sertifikasi Manajemen Risiko Jenjang 7 LSPP Jakarta, 26 April 2024
Certification in Risk Management Level 7 Jakarta, April 26, 2024
Seminar Penyelarasan Manajemen Risiko - Jenjang 7 Bankers Association for Risk Jakarta, 3-4 Juli 2024
Risk Management Alignment Seminar - Level 7 Management (BARa) Jakarta, July 3-4, 2024
Christina Harapan Seminar Penyelarasan Manajemen Risiko - Jenjang 7 Bankers Association for Risk Jakarta, 7-8 Maret 2024
Risk Management Alignment Seminar - Level 7 Management (BARa) Jakarta, March 7-8, 2024
Seminar Economic Outlook 2024: Menopang Perbanas Jakarta, 22 Maret 2024
Keberlanjutan Perekonomian melalui Transisi EBT & Jakarta, March 22, 2024
UMKM Naik Kelas
Economic Outlook 2024: Supporting Economic
Sustainability through EBT Transition & UMKM
Upgrading
The Role of Women Leadership in Digital Era LPPI Jakarta, 23 April 2024
Jakarta, April 23, 2024
Sertifikasi Manajemen Risiko Jenjang 7 LSPP Jakarta, 26 April 2024
Recertification in Risk Management Level 7 Jakarta, April 26, 2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
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Nama Peserta Pelatihan Pihak Penyelenggara Tempat dan Waktu
Participant Name Training Organizer Venue and Date
Indra S. Budianto Resertifikasi Manajemen Risiko Jenjang 7 LSPP Jakarta, 26 April 2024
Recertification in Risk Management Level 7 Jakarta, April 26, 2024
Seminar Penyelarasan Manajemen Risiko - Jenjang 7 Bankers Association for Risk Jakarta, 3-4 Juli 2024
Risk Management Alignment Seminar - Level 7 Management (BARa) Jakarta, July 3-4, 2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
Handoyo Soedirdja Pembekalan dan Ujian SMR Jenjang 7 - Direksi LPPI, LSPP Jakarta, 29 Februari, 1 dan
Briefing and Examination for SMR Level 7 - Board of 22 Maret 2024
Directors Jakarta, February 29,
March 1 & March 22, 2024
Pembekalan dan Ujian Sertifikasi Treasury Dealer APUVINDO, ACI Jakarta, 26 Agustus dan 2
Jenjang 7 Oktober 2024
Briefing and Examination for Treasury Dealer Jakarta, August 26 &
Certification Level 7 October 2, 2024
Emelia Susanto Refreshment SMR Risiko Manajemen Gagasan Jakarta, 3-19 Februari
(RMG) 2024
Jakarta, February 3-19,
2024
Program Outlook - Empowering Human Capital for a Synergy Partner Prima Jakarta, 17 Oktober 2024
Brighter Future Jakarta, October 17, 2024
HR Leaders & HR Tech Strategy Meeting Rockbird Media Pte, Ltd. Jakarta, 19 November
2024
Jakarta, November 19,
2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
Certified Human Resources Auditor (CHRA) Media SDM Indonesia Jakarta, 16-18 Desember
2024
Jakarta, December 16-18,
2024
Vivi Henny HR Leaders & HR Tech Strategy Meeting Rockbird Media Pte, Ltd. Jakarta, 19 November
2024
Jakarta, November 19,
2024
Pembekalan Certified Human Capital Leader (CHCL) ProPeople Jakarta, 7 Des 2024 - 22
Program Feb 2025
Jakarta, December 7, 2024
- February 22, 2025
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Nama Peserta Pelatihan Pihak Penyelenggara Tempat dan Waktu
Participant Name Training Organizer Venue and Date
Marlene Gunawan The Role of Women Leadership in Digital Era LPPI Jakarta, 23 April 2024
Jakarta, April 23, 2024
Resertifikasi Manajemen Risiko Jenjang 6 LSPP Jakarta, 7 Mei 2024
Recertification in Risk Management Level 6 Jakarta, May 7, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat Jakarta, 21-22 September
2024
Jakarta, September 21-22,
2024
Program Outlook - Empowering Human Capital for a Synergy Partner Prima Jakarta, 17 Oktober 2024
Brighter Future Jakarta, October 17, 2024
Focus Group Discussion (FGD) Implementasi Bank Indonesia Jakarta, 18 & 21 Oktober
Pelaporan Online Standarisasi Kompetensi di Bidang 2024
Sistem Pembayaran (SK SP) Jakarta, October 18 & 21,
Focus Group Discussion (FGD) on the Implementation 2024
of Online Reporting for Competency Standardization
in Payment Systems (SK SP)
HR Leaders & HR Tech Strategy Meeting Rockbird Media Pte, Ltd. Jakarta, 19 November
2024
Jakarta, November 19,
2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
Elvin Halim Resertifikasi Sertifikat Manajemen Risiko LSPP Jakarta, 26 April 2024
Recertification for Risk Management Certification Jakarta, April 26, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat Jakarta, 21-22 September
Workshop on Resolution Report (LPS) & Recovery 2024
(OJK) Jakarta, September 21-22,
2024
HR Leaders & HR Tech Strategy Meeting Rockbird Media Pte, Ltd. Jakarta, 19 November
2024
Jakarta, November 19,
2024
The 19th Indonesia HR EXPO INTIPESAN Conference Jakarta, 11-12 Desember
2024
Jakarta, December 11-12,
2024
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KOMITE KEBIJAKAN PERKREDITAN
Credit Policy Committee
Komite Kebijakan Perkreditan (KKP) dibentuk untuk menerapkan The Credit Policy Committee (KKP) is established to apply the
prinsip kehati-hatian, menunjang bisnis bank dan asas principles of prudence and sound credit or financing practices
perkreditan atau pembiayaan yang sehat dalam melaksanakan in carrying out credit or financing activities, starting from the
kegiatan usaha perkreditan atau pembiayaan sejak dalam process of granting Credit or Financing, monitoring after Credit
proses pemberian Kredit atau Pembiayaan, pengawasan or Financing is granted, and the resolution procedures in the
setelah Kredit atau Pembiayaan diberikan, maupun prosedur event of problematic Credit or Financing.
penyelesaian dalam hal terdapat Kredit atau Pembiayaan yang
bermasalah.
FUNGSI KOMITE KEBIJAKAN PERKREDITAN FUNCTION OF THE CREDIT P OLICY
COMMITTEE
Mendukung efektifitas pelaksanaan tugas dan tanggung Support the effectiveness of the Board of Directors’ duties and
jawab Direksi dalam menyusun dan menerapkan kebijakan responsibilities in formulating and implementing credit policies.
perkreditan.
DASAR HUKUM KOMITE KEBIJAK AN LEGAL BASIS OF THE CREDIT POLICY
PERKREDITAN COMMITTEE
Komite Kebijakan Perkreditan dibentuk berdasarkan: The Credit Policy Committee is established based on:
1. Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2017 1. Financial Services Authority Regulation No. 42/
tentang Kewajiban Penyusunan dan Pelaksanaan Kebijakan POJK.03/2017 regarding the Obligation to Formulate and
Perkreditan atau Pembiayaan Bank bagi Bank Umum; Implement Credit or Financing Policies for Commercial
Banks;
2. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 2. Financial Services Authority Regulation No. 17 of 2023
tanggal 14 September 2023 tentang Penerapan Tata Kelola dated September 14, 2023, regarding the Implementation
Bagi Bank Umum; of Governance for Commercial Banks;
3. Anggaran Dasar PT Bank Artha Graha Internasional Tbk; 3. The Articles of Association of PT Bank Artha Graha
Internasional Tbk;
4. Surat Keputusan Direksi PT Bank Artha Graha Internasional 4. The Decree of the Board of Directors of PT Bank Artha
Tbk No. 006/KEP-DIR/IV/2024 tentang Komite Kebijakan Graha Internasional Tbk No. 006/KEP-DIR/IV/2024
Perkreditan PT Bank Artha Graha Internasional Tbk. regarding the Credit Policy Committee of PT Bank Artha
Graha Internasional Tbk.
KOMPOSISI ANGGOTA KOMITE KEBIJAKAN COMPOSITION OF THE CREDIT POLICY
PERKREDITAN COMMITTEE MEMBERS
Ketua : Direktur Utama Chairperson : President Director
Wakil Ketua : Direktur Compliance & Risk Vice Chairperson : Director of Compliance & Risk
Anggota : Members :
• Wakil Direktur Utama • Vice President Director
• Direktur Business • Director of Business
• Direktur Asset Recovery • Director of Asset Recovery
• Associate Director Credit Analyst • Associate Director Credit Analyst
• Associate Director Retail Banking • Associate Director Retail Banking
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
TUGAS DAN TANGGUNG JAWAB KKP DUTIES AND RESPONSIBILITIES OF THE
CREDIT POLICY COMMITTEE
1. Memberikan masukan kepada Direksi dalam penyusunan 1. Provide input to the Board of Directors in formulating
Kebijakan Perkreditan Bank terutama yang berkaitan Bank Credit Policies, especially related to the principles
dengan prinsip kehati-hatian dalam perkreditan. of prudence in crediting.
2. Mengawasi agar Kebijakan Perkreditan Bank dapat 2. Supervise the implementation of the Bank’s Credit Policy
diterapkan dan dilaksanakan secara konsekuen dan to ensure it is applied consistently and appropriately and
konsisten serta merumuskan pemecahan dalam hal formulate solutions when obstacles or issues arise in
terdapat hambatan atau kendala dalam penerapan implementing the Bank’s Credit Policy.
Kebijakan Perkreditan Bank.
3. Melakukan kajian berkala terhadap Kebijakan Perkreditan 3. Conduct regular reviews of the Bank’s Credit Policy and
Bank dan memberikan saran kepada Direksi dalam hal provide recommendations to the Board of Directors when
diperlukan perubahan atau perbaikan. changes or improvements are needed.
a. Kajian dan persetujuan terhadap perubahan kebijakan: a. Review and approve policy changes, including:
i. Wholesale Credit Policy i. Wholesale Credit Policy
ii. Retail Credit Policy ii. Retail Credit Policy
iii. Consumer Credit Policy iii. Consumer Credit Policy
iv. Problem Account Management Policy iv. Problem Account Management Policy
v. Write-off and Restructuring Policy v. Write-off and Restructuring Policy
b. Modeling: b. Modeling:
Pengembangan, Validasi dan Kajian Scorecard: Development, Validation, and Review of Scorecards:
i. SME Emerging Business Banking (EBB) Behaviour i. SME Emerging Business Banking (EBB) Behaviour
Scorecard Scorecard
ii. Retail Banking Scorecard ii. Retail Banking Scorecard
c. Kajian atas Parameter Model Pencadangan Kerugian c. Review of PSAK 71 Loss Calculation Model Parameters:
PSAK 71:
i. Validasi Model Value at Risk (VaR) dan validasi i. Validation of the Value at Risk (VaR) Model and the
model perhitungan Suku Bunga dalam Banking calculation model for Interest Rates in the Banking
Book (IRRBB). Book (IRRBB).
ii. Penilaian hasil uji tuntas dan proses pemetaan ii. Evaluation of the results of due diligence and
untuk Aset Tertimbang Menurut Risiko (ATMR) mapping for Risk-Weighted Assets (RWA) for Credit
Risiko Kredit. Risk.
d. Melakukan kajian dan memberikan persetujuan d. Review and approve Credit Policy dispensations. Monitor
dispensasi Kebijakan Kredit Memantau dan and evaluate:
mengevaluasi:
i. Perkembangan dan kualitas portofolio perkreditan i. The development and quality of the overall credit
secara keseluruhan (termasuk distribusi peringkat portfolio (including the distribution of ratings,
rating, migrasi dan pelaporan eksposur). migration, and exposure reporting).
ii. Kebenaran pelaksanaan kewenangan memutus ii. The correctness of the credit decision-making
Kredit. authority.
iii. Kebenaran proses pemberian, perkembangan, iii. The correctness of the credit granting process,
dan kualitas Kredit yang diberikan kepada pihak its development, and quality, especially to related
terkait dengan Bank dan debitur besar tertentu. parties and large debtors.
iv. Ketaatan pelaksanaan ketentuan BMPK. iv. Compliance with BMPK (Bank’s Credit Policy).
v. Ketaatan te rha dap kete ntuan p e raturan v. Adherence to applicable laws and regulations in
perundang-undangan dan peraturan lain dalam credit granting.
pelaksanaan pemberian Kredit.
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vi. Upaya Bank dalam memenuhi kecukupan jumlah vi. Efforts to maintain adequate credit provision
penyisihan penghapusan Kredit. reserves.
vii. Penyelesaian Kredit bermasalah sesuai dengan vii. Resolution of problematic credits according to the
yang ditetapkan dalam Kebijakan Perkreditan Bank’s Credit Policy.
Bank.
viii. Efektivitas struktur pengelolaan risiko kredit. viii. The effectiveness of the credit risk management
structure.
ix. Kecukupan infrastruktur perkreditan yang dimiliki ix. The adequacy of the Bank’s credit infrastructure.
oleh Bank.
x. Penerapan dan pelaksanaan parameter risiko x. Penerapan dan pelaksanaan parameter risiko kredit,
kredit, model dan scorecard Internal Rating Based model dan scorecard Internal Rating Based (IRB)
(IRB) ataupun Credit Grading. ataupun Credit Grading.
xi. Memberikan saran dan langkah perbaikan xi. Provide suggestions and corrective measures based
atas hasil pemantauan dan evaluasi yang telah on monitoring and evaluation outcomes.
dijalankan.
xii. Pelaporan dan pengawasan atas dispensasi xii. Reporting and supervision of Credit Policy/
Kebijakan/Prosedur Kredit yang diperbolehkan Procedure dispensations with the approval of
dengan persetujuan pejabat yang berwenang. authorized officers.
Tugas dan Tanggung Jawab Khusus KKP Special Duties and Responsibilities of The KKP
Memberikan persetujuan dan pelaksanaan pembelian surat Grant approval and execute the purchase of securities with
berharga yang disertai dengan note purchase agreement, accompanying purchase agreements, credit agreements,
perjanjian Kredit, pembelian surat berharga lain yang diterbitkan purchase of other securities issued by customers, debt factoring,
oleh nasabah, pengambilalihan tagihan dalam rangka anjak and provision of Bank guarantees, including acceptance,
piutang, dan pemberian jaminan Bank diataranya meliputi endorsement, and letter of securities.
akseptasi, endorsemen, dan surat-surat berharga.
TATA TERTIB RAPAT DAN PENGAMBILAN MEETING PROCEDURE AND DECISION-
KEPUTUSAN KKP MAKING OF THE KKP
1. Rapat Komite Kebijakan Perkreditan (KKP) dilaksanakan 1. KKP meetings are held as needed and at least once a year.
sesuai kebutuhan dan sedikitnya 1 (satu) kali dalam 1 (satu)
tahun.
2. Rapat Komite Kebijakan Perkreditan (KKP) kuorum apabila 2. KKP meetings are quorate when attended by at least 2/3
sedikitnya dihadiri oleh 2/3 (dua per tiga) jumlah anggota. (two-thirds) of the members.
3. Apabila terdapat masalah mendesak untuk dibahas di 3. If there is an urgent issue for discussion within the KKP, the
dalam Komite Kebijakan Perkreditan (KKP) maka Unit relevant Work Unit can propose to the KKP Secretary to
Kerja terkait dapat mengusulkan kepada Sekretaris KKP convene a meeting.
untuk melakukan Rapat Komite.
4. Pengambilan Keputusan Pengambilan keputusan dalam 4. Decision-Making: Decisions regarding the use of KKP
kaitan penggunaan wewenang KKP dapat dilakukan authority can be made through circulars to KKP members
melalui edaran kepada anggota KKP atau melalui Rapat or during a valid KKP meeting.
KKP yang sah.
5. Keputusan Rapat Komite diambil secara musyawarah 5. KKP meeting decisions are made through deliberation and
dan mufakat. Dalam hal tidak tercapai kesepakatan maka consensus. If no agreement is reached, the decision is
keputusan Rapat Komite dianggap sah bila disetujui oleh valid if approved by 1/2 (half) of the attending Committee
1/2 (satu per dua) dari jumlah Anggota Komite yang hadir members plus 1 (one) additional member.
ditambah 1 (satu) orang Anggota Komite.
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PENGEMBANGAN KOMPETENSI KOMITE COMPETENCY DEVELOPMENT OF THE CREDIT
KEBIJAKAN PERKREDITAN POLICY COMMITTEE
Komite ini baru resmi dibentuk pada bulan April 2024. Oleh This committee was officially established in April 2024.
karenanya belum ada program pengembangan khusus yang Therefore, no specific competency development program has
telah dijalankan. Namun demikian, mengingat bahwa seluruh been implemented yet. However, given that all KKP members
anggota KKP adalah manajemen puncak dari Bank, maka are top management of the Bank, the future competency
program pengembangan kompetisi yang kelak akan dijalankan development program will be part of the Board of Directors’
merupakan bagian dari program pengembangan kompetensi competency development program.
Direksi Bank.
KOMITE PRODUK
Product Committee
Komite Produk merupakan suatu tim kerja dengan tugas pokok The Product Committee is a working team tasked with
menilai kelayakan sesuatu usulan produk atau aktivitas baru, assessing the feasibility of new product or activity proposals,
pengembangan produk atau aktivitas yang dimiliki maupun the development of existing products or activities, as well as
pengembangan program yang diajukan dan kemudian the development of proposed programs. The committee then
membuat rekomendasi terhadap usulan produk tersebut provides recommendations on these product proposals before
sebelum disetujui oleh Direksi. they are approved by the Board of Directors.
DASAR HUKUM KOMITE PRODUK LEGAL BASIS OF THE PRODUCT COMMITTEE
Komite Produk dibentuk berdasarkan: The Product Committee is established based on:
1. Pedoman Kebijakan Perkreditan No: 590101.01.0 1. Credit Policy Guidelines No: 590101.01.0
KOMPOSISI ANGGOTA KOMITE PRODUK COMPOSITION OF THE PRODUCT COMMITTEE
MEMBERS
1. Ketua : Direktur Business 1. Chairperson : Director of Business
2. Wakil Ketua : Associate Director Credit Analyst 2. Vice Chairperson : Associate Director of Credit Analyst
3. Sekretaris : Deputy Director Corporate Relations 3. Secretary : Deputy Director of Corporate Relations
4. Anggota disesuaikan dengan jenis produknya 4. The members are adjusted according to the type of
product.
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T U G A S , TA N G G U N G J AWA B D A N DUTIES, RESPONSIBILITIES, AND AUTHORITIES
WEWENANG KOMITE PRODUK OF THE PRODUCT COMMITTEE
Tugas dan Tanggung Jawab Duties and Responsibilities
Membantu Direksi dalam membuat perencanaan terkait Assist the Board of Directors in planning related to the
pengembangan produk/aktivitas/program berorientasi bisnis development of existing and new business-oriented products/
(Funding maupun Lending) existing dan baru, termasuk: activities/programs (both Funding and Lending), including:
1. Memastikan kelayakan (feasibility) teknis seperti 1. En sure the technical feasibility, such as infrastructure,
infrastruktur, prosedur, cost benefit analysis dan lainnya; procedures, cost-benefit analysis, and others;
2. Memberi dan memastikan solusi atas berbagai kendala 2. Provide and ensure solutions to various technical obstacles;
teknis;
3. Melakukan monitoring dan menindaklanjuti progress 3. Monitor and follow up on the progress of product/activity/
pengembangan produk/aktivitas/program; program development;
4. Membahas kerjasama dengan pihak ketiga terkait rencana 4. Discuss cooperation with third parties related to product/
pengembangan produk/aktivitas dan joint program/ activity development plans and joint programs/promotions;
promosi;
5. Memastikan produk/aktivitas/program sudah memenuhi 5. Ensure that products/activities/programs comply with
ketentuan regulator; regulatory requirements;
6. Membuat konsep strategi komunikasi pemasaran di 6. Develop a marketing communication strategy, including
antaranya materi promosi, materi, event, dan tools/ promotional materials, events, and tools/equipment;
perlengkapan;
7. Memberi rekomendasi usulan pengembangan dari unit 7. Provide recommendations for development proposals from
kerja terkait sebelum diajukan ke Direksi; related work units before submitting them to the Board of
Directors;
8. Melakukan evaluasi pencapaian produk/aktivitas/program; 8. Evaluate the achievements of products/activities/programs.
9. Melakukan review produk/aktivitas/program; 9. Review products/activities/programs;
10. Melakukan review/evaluasi terhadap info tarif; 10. Review/evaluate tariff information;
11. Merumuskan strategi komunikasi pemasaran termasuk 11. Formulate marketing communication strategies, including
design dan isi (content) materi promosi; the design and content of promotional materials;
12. Memberikan Keputusan terkait program promosi yang 12. Make decisions regarding promotional programs that have
telah memiliki anggaran; a budget;
13. Menyetujui kerjasama dengan pihak ketiga atas produk/ 13. Approve cooperation with third parties for existing products/
aktivitas/program existing; activities/programs;
14. Memberikan In Principle Approval atas usulan produk/ 14. Provide In-Principle Approval for proposals of new products/
aktivitas/program baru; activities/programs;
15. Melakukan pengembangan produk/aktivitas existing yang 15. Develop existing products/activities that require
memerlukan pengembangan dari sisi Teknologi Informasi development in terms of Information Technology and/or
dan/atau perubahan bisnis proses; dan business process changes; and
16. Memantau produk dan aktivitas yang memerlukan 16. Monitor products and activities that require development in
pengembangan dari sisi Teknologi Informasi dan/atau terms of Information Technology and/or business process
perubahan bisnis proses. changes.
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Wewenang Komite Produk Authority of the Product Committee
1. Memutuskan strategi komunikasi pemasaran termasuk 1. Decide on the marketing communication strategy, including
design dan content materi promosi. design and promotional content.
2. Memutuskan Info Tarif. 2. Decide on tariff information.
3. Memutuskan program promosi yang telah memiliki 3. Decide on promotional programs that have a budget.
Anggaran.
4. Menyetujui kerjasama denqan pihak ketiga atas produk/ 4. Approve cooperation with third parties for products/
aktivitas/program yang masih berlaku/berjalan. activities/programs that are still valid/running.
5. Memberikan In Prinsip Approval atas usulan produk/ 5. Provide in-principle approval for new product/activity/
aktivitas/program baru. program proposals.
PEDOMAN KEBIJAKAN DAN MEKANISME GUIDELINES FOR POLICY AND MECHANISMS
PELAKSANAAN RAPAT KOMITE PRODUK OF PRODUCT COMMITTEE MEETINGS
1. Dalam pengembangan produk tertentu, Komite Produk 1. In the development of certain products, the Product
dapat mengundang unit kerja lain yang terkait (termasuk Committee may invite other relevant work units (including
Branch Director) the Branch Director).
2. Komite Produk mengadakan rapat minimal 1x (satu kali) 2. The Product Committee shall hold meetings at least once
dalam setahun ataupun secara ad hoc (bila perlu). a year or on an ad hoc basis when necessary.
3. Dalam hal dilakukan pengambilan Keputusan oleh Komite 3. If a decision needs to be made by the Product Committee,
Produk dilakukan mekanisme voting dengan ketentuan a voting mechanism will be applied with the following
sebagai berikut: provisions:
a. Rapat Komite Produk dipimpin oleh Ketua dan dalam a. The Product Committee meeting is chaired by the
hal Ketua berhalangan maka rapat dapat dipimpin oleh Chairperson, and in the event the Chairperson is
salah seorang Wakil Ketua. unavailable, the meeting may be chaired by one of the
b. Rapat Komite Produk adalah sah dan berhak mengambil Vice Chairpersons.
keputusan bila dihadiri oleh Ketua atau Wakil Ketua b. A Product Committee meeting is valid and authorized to
dan dihadiri lebih dari 50% (lima puluh persen) jumlah make decisions if it is attended by the Chairperson or a
anggota Komite Produk. Vice Chairperson and more than 50% (fifty percent) of
c. Keputusan Rapat Komite Produk diambil berdasarkan the Product Committee members.
musyawarah untuk mufakat. c. Decisions of the Product Committee meetings shall be
d. Dalam hal musyarawah untuk mufakat tidak tercapai made based on deliberation and consensus.
maka dilakukan pemungutan suara (voting) dengan d. If consensus cannot be reached, a vote will be conducted
mekanisme: using the following mechanism:
i. Hak voting dimiliki oleh anggota Komite Produk i. Voting rights are held by Product Committee
setingkat Deputy Director. members at the Deputy Director level.
ii. Keputusan voting diambil berdasarkan simple ii. Voting decisions are made based on a simple
majority. majority.
iii. Jika hasil voting seimbang maka Ketua Komite iii. If the voting result is tied, the final decision shall be
Produk yang akan menentukan keputusan. made by the Chairperson of the Product Committee.
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4. Setiap usulan produk/aktivitas/program sudah harus 4. Each product/activity/program proposal must receive a
memperoleh keputusan maksimal pada rapat berikutnya. decision no later than the following committee meeting.
5. Tugas administratif terkait Komite Produk (termasuk di 5. Administrative tasks related to the Product Committee
dalamnya, pembuatan notulen rapat) dilakukan secara (including the preparation of meeting minutes) shall be
bersamaan ataupun bergantian antara Direktorat Digital carried out jointly or alternately by the Directorate of Digital
Banking dan Direktorat Treasury. Banking and the Directorate of Treasury.
6. Setiap direktorat/sub direktorat dapat mengusulkan/ 6. Each directorate/sub-directorate may propose or submit
menyampaikan agenda pembahasan kepada Ketua agenda items for discussion to the Committee Chairperson.
Komite.
7. Komite Produk dapat membentuk kelompok kerja (pokja) 7. The Product Committee may establish working groups
yang menampung ide-ide kreatif dari keseluruhan Bank (task forces) that gather creative ideas from across the
(semua level di KPNO dan Cabang) terkait produk/ Bank (all levels at Head Office and Branches) regarding
aktivitas/program Bank, dengan tujuan untuk membahas Bank products/activities/programs. These working groups
ide-ide inovatif terkait produk/aktivitas/program serta aim to discuss innovative ideas, prepare proposals, identify
membuatkan usulannya, mempersiapkan kebutuhan supporting needs, conduct benchmarking (market research),
pendukung termasuk melakukan benchmarking (riset and address other necessary matters.
pasar) dan hal-hal lain yang dianggap perlu.
PENGEMBANGAN KOMPETENSI KOMITE COMPETENCY DEVELOPMENT OF THE
PRODUK PRODUCT COMMITTEE
Komite ini baru resmi dibentuk pada bulan April 2024. Oleh This committee was officially established in April 2024.
karenanya belum ada program pengembangan khusus yang Therefore, there has been no specific competency development
telah dijalankan untuk meningkatkan kompetensi anggota program yet to enhance the members’ competencies of the
Komite Produk. Product Committee.
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SEKRETARIS PERUSAHAAN
Corporate Secretary
Sekretaris Perusahaan (Corporate Secretary) berperan penting Corporate Secretary has an important role in bridging
dalam menjembatani komunikasi baik kepada pihak internal communication to both internal and external parties of the
maupun eksternal Bank seperti komunikasi dengan pegawai, Bank such as communication with employees, regulators,
Regulator, para Pemegang Saham, Investor, dan Pemangku shareholders, investors, and other stakeholders. Corporate
Kepentingan lainnya. Sekretaris Perusahaan juga berperan Secretary also plays a role in ensuring that the Bank complies
dalam memastikan bahwa Bank telah patuh pada peraturan with the rules and regulations of the Capital Market.
dan ketentuan di bidang Pasar Modal.
Komunikasi yang dibangun Sekretaris Perusahaan Communication established by Corporate Secretary is
diselenggarakan melalui berbagai saluran yang dimiliki Bank organized through various channels owned by the Bank such
seperti kantor dan nomor kontak, situs perusahaan, media as offices and contact numbers, company websites, social
sosial, lembar feedback, dan lainnya. Hal ini untuk memastikan media, feedback sheets, and others. This is to ensure that the
bahwa Bank telah menjalankan fungsi keterbukaan informasi Bank has carried out the function of information disclosure to
kepada para Pemangku Kepentingan. the Stakeholders.
PEDOMAN KERJA SEKRETARIS PERUSAHAAN CORPORATE SECRETARY GUIDELINES
Pedoman kerja Sekretaris Perusahaan mengacu pada The work guidelines of Corporate Secretary refer to the
Peraturan Otoritas Jasa Keuangan No. 35/POJK.04/2014 Financial Services Authority Regulation No. 35/POJK.04/2014
tentang Sekretaris Perusahaan. Sekretaris Perusahaan harus on Corporate Secretary. Corporate Secretary shall submit
menyampaikan kegiatan dan laporan Sekretaris Perusahaan activities and reports of the Corporate Secretary which include:
yang meliputi:
1. Kegiatan Umum; 1. General Activities;
2. Kegiatan Tata Kelola dan Informasi Korporat; 2. Corporate Governance and Information activities;
3. Kegiatan Komunikasi Korporat; dan 3. Corporate Communication Activities; and
4. Tanggung Jawab Sosial dan Pengamanan Perusahaan 4. Corporate Social Responsibility and Safeguarding.
P I H A K YA N G M E N G A N G K AT D A N PARTIES APPOINTING AND DISMISSING
M E M B E R H E N T I K A N S E K R E TA R I S CORPORATE SECRETARY
PERUSAHAAN
Sekretaris Perusahaan bertanggung jawab langsung kepada Corporate Secretary is directly responsible to the Board of
Direksi serta diangkat dan diberhentikan berdasarkan Keputusan Directors and is appointed and dismissed based on a Board of
Direksi berdasarkan mekanisme internal Bank dan dilaporkan Directors Decree based on the Bank’s internal mechanism and
kepada OJK dan Bursa Efek Indonesia. Pengangkatan Sekretaris reported to the OJK and the Indonesia Stock Exchange. The
Perusahaan dengan mempertimbangkan kemampuan appointment of Corporate Secretary takes into account his/her
profesional serta integritasnya di masyarakat dan bisnis. professional ability and integrity in society and business.
PROFIL PEJABAT SEKRETARIS PERUSAHAAN CORPORATE SECRETARY PROFILE
Berdasarkan Surat Keputusan Direksi No. SK-MT/HC/0133/ Based on the Decree of the Board of Directors No. SK-MT/
VI/2024 tanggal 26 Juni 2024 efektif per tanggal 26 Juni 2024, HC/0133/VI/2024 dated June 26, 2024 effective as of June
Sekretaris Perusahaan dijabat oleh Rumi Kreshna Wibowo. 26, 2024, the Corporate Secretary is Rumi Kreshna Wibowo.
Profil lengkap dapat dilihat pada bab Profil Perusahaan dalam The full profile can be seen in the Company Profile chapter in
buku Laporan Tahunan ini. this Annual Report book.
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STRUKTUR ORGANISASI SEKRETARIS O R G A N I Z AT I O N A L S T R U C T U R E O F
PERUSAHAAN CORPORATE SECRETARY
Corporate Secretary berada langsung di bawah Direktur Corporate Secretary is directly under the President Director and
Utama sehingga tiap bentuk pelaksanaan tugasnya every form of implementation of its duties is directly accountable
dipertanggungjawabkan secara langsung kepada Direktur to the President Director. The implementation of the functions
Utama. Pelaksanaan fungsi dan peran Corporate Secretary and roles of Corporate Secretary is assisted by the Executive
dibantu oleh Deputy Director Corporate Relations, Executive Officer Corporate Affairs, Executive Officer Corporate Social
Officer Corporate Affairs, Executive Officer Corporate Social Safety Responsibility (CSSR), and Executive Officer Corporate
Safety Responsibility (CSSR), dan Executive Officer Corporate Communication (Corcomm).
Communication (Corcomm).
Corporate Secretary
Corporate Relations
Executive Officer
Executive Officer
Executive Officer Corporate Social Safety
Corporate Communication
Corporate Affairs Responsibility
(Corcomm)
(CSSR)
M E K A N I S M E P E N G A N G K ATA N DA N MECHANISM OF APPOINTMENT AND
PEMBERHENTIAN SEKRETARIS PERUSAHAAN DISMISSAL OF CORPORATE SECRETARY
Direksi berwenang mengangkat dan memberhentikan Sekretaris The Board of Directors is authorized to appoint and dismiss
Perusahaan sebagaimana yang tertuang dalam pedoman dan Corporate Secretary as stated in the guidelines of the Corporate
tata tertib Sekretaris Perusahaan. Secretary.
1. Pengangkatan Sekretaris Perusahaan: 1. Appointment of Company Secretary:
a. Sekretaris Perusahaan diangkat berdasarkan keputusan a. Corporate Secretary is appointed by resolution of the
Direksi; Board of Directors;
b. Sekretaris Perusahaan dapat dirangkap oleh seorang b. Corporate Secretary may be concurrently employed by
anggota Direksi; the Board of Directors;
c. Sekretaris Perusahaan dilarang merangkap jabatan c. Corporate Secretary is prohibited from holding any
apapun pada Emiten atau Perusahaan Publik lain; position in another Issuer or Public Company;
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d. Dalam hal terjadi kekosongan Sekretaris Perusahaan, d. In the event of a vacancy of Corporate Secretary,the
Perseroan wajib menunjuk penggantinya dalam jangka Company shall appoint a replacement within a maximum
waktu paling lama 60 (enam puluh) hari sejak terjadinya period of 60 (sixty) days from the occurrence of the
kekosongan Sekretaris Perusahaan; vacancy of Corporate Secretary;
e. Perseroan wajib menyampaikan laporan ke Bursa e. The Company must submit a report to the Stock
paling lambat pada Hari Bursa yang sama dengan Exchange at the latest on the same Exchange Day as
dilakukannya penunjukan Sekretaris Perusahaan dan the appointment of Corporate Secretary and announce
mengumumkan di Bursa; it on the Stock Exchange;
f. Selama terjadi kekosongan Sekretaris Perusahaan, f. In the event of a vacancy of Corporate Secretary, the
jabatan tersebut dapat dirangkap oleh anggota position may be concurrently held by a member of
Direksi atau orang perseorangan yang ditunjuk the Board of Directors or an individual appointed as
sebagai Sekretaris Perusahaan sementara tanpa temporary Corporate Secretary without regard to the
memperhatikan persyaratan Sekretaris Perusahaan requirements of Corporate Secretary stipulated by
yang diatur oleh Peraturan Otoritas Jasa Keuangan the Financial Services Authority Regulation No. 35/
No. 35/POJK.04/2014 tentang Sekretaris Perusahaan POJK.04/2014 concerning Corporate Secretary of
Emiten atau Perusahaan Publik; dan Issuers or Public Companies; and
g. Kekosongan Sekretaris Perusahaan dapat disebabkan g. The vacancy of Corporate Secretary may be caused
antara lain berakhirnya masa tugas, pemberhentian, by, among others, the expiration of the term of office,
pengunduran diri, atau berhalangan tetapnya Sekretaris dismissal, resignation, or permanent absence of a
Perusahaan. Corporate Secretary.
2. Pemberhentian Sekretaris Perusahaan berdasarkan 2. The dismissal of Corporate Secretary is based on the
keputusan Direksi. decision of the Board of Directors.
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
1. Fungsi Corporate Secretary melaksanakan tugas paling 1. Corporate Secretary function performs the following duties
kurang: at least:
a. Mengikuti perkembangan Pasar Modal khususnya a. Keeping a breast of developments in the Capital Market,
peraturan perundang-undangan yang berlaku di bidang especially the prevailing laws and regulations in the
Pasar Modal; Capital Market;
b. Memberikan masukan kepada Direksi dan Dewan b. Providing input to the Board of Directors and Board of
Komisaris untuk mematuhi ketentuan peraturan Commissioners to comply with the provisions of laws and
perundang-undangan di bidang Pasar Modal; regulations in the Capital Market sector; Providing input
Pemberian masukan kepada Direksi misalnya masukan to the Board of Directorssuch as input in implementing
dalam melaksanakan ketentuan kewajiban Rapat the provisions of the obligations of the Board of Directors
Direksi dan Dewan Komisaris, sebagaimana dimaksud and Board of Directors such Meetings, as referred to in
dalam POJK yang mengatur mengenai Direksi dan the POJK which regulates the Board of Directors and
Dewan Komisaris Emiten atau Perusahaan Publik; Board of Commissioners of Issuers or Public Companies;
c. Membantu Direksi dan Dewan Komisaris dalam c. Assisting the Board of Directors and Board
pelaksanaan tata kelola perusahaan yang meliputi: of Commissioners in the implementation of
i. Keterbukaan informasi kepada masyarakat, corporategovernance which includes:
termasuk ketersediaan informasi pada situs Web i. Information disclosure to the public, including the
Perseroan availability of information on the Company’s website
ii. Penyampaian laporan kepada OJK tepat waktu ii. Timely submission of reports to OJK
iii. Penyelenggaraan dan dokumentasi rapat Direksi iii. Organization and documentation of Board of
Directors’ meetings
iv. Pelaksanaan program orientasi terhadap iv. Implementation of orientation program on the
Perusahaan bagi Direksi dan/atau Dewan Komisaris Company for the Board of Directors and/or Board
of Commissioners
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d. Menyiapkan daftar khusus yang berkaitan dengan d. Preparing a special list relating to the Board of Directors,
Direksi, Dewan Komisaris dan keluarganya baik Board of Commissioners and the families both in the
dalam Perseroan maupun afiliasinya yang antara lain Company and its affiliates which includes, among others,
mencakup kepemilikan saham, hubungan bisnis dan share ownership, business relationships and other roles
peranan lain yang menimbulkan benturan kepentingan that pose a conflict of interest with the Company;
dengan Perseroan;
e. Membuat daftar Pemegang Saham termasuk e. Preparing a list of Shareholders including ownership of
kepemilikan 5% (lima persen) atau lebih; 5% (five percent) or more;
f. Membantu Direksi dalam penyelenggaraan Rapat f. Assisting the Board of Directors in organizing the General
Umum Pemegang Saham; dan Meeting of Shareholders; and
g. Sebagai penghubung antar Perseroan dengan g. As a liaison between the Company and Shareholders,
Pemegang Saham, OJK, dan Pemangku Kepentingan OJK, and other Stakeholders.
lainnya.
2. Corporate Secretary dan pegawai dalam unit kerja yang 2. Corporate Secretary and employees in the work unit that
menjalankan fungsi Corporate Secretary wajib menjaga carries out the Corporate Secretary function must maintain
kerahasiaan dokumen, data dan informasi yang bersifat the confidentiality of documents, data and information that
rahasia kecuali dalam rangka memenuhi kewajiban sesuai are confidential except in the context of fulfilling obligations
dengan peraturan perundang-undangan atau ditentukan in accordance with laws and regulations or otherwise
lain dalam peraturan perundang-undangan; specified in laws and regulations;
3. Corporate Secretary dan pegawai dalam unit kerja 3. Corporate Secretary and employees in the work unit that
yang menjalankan fungsi Corporate Secretary dilarang carries out the Corporate Secretary function are prohibited
mengambil keuntungan pribadi baik secara langsung from taking personal advantage either directly or indirectly
maupun tidak langsung yang merugikan Bank; to the detriment of the Bank;
4. Dalam rangka meningkatkan pengetahuan dan 4. In order to improve knowledge and understanding to assist
pemahaman untuk membantu pelaksanaan tugasnya, in the performance of its duties, Corporate Secretary must
Corporate Secretary harus mengikuti pendidikan dan/ participate in education and/or training. The education
atau pelatihan. Pendidikan dan/atau pelatihan yang and/or training referred to can be obtained, among
dimaksud dapat diperoleh antara lain melalui pelatihan, others, through training, socialization or seminars held by
sosialisasi atau seminar yang diselenggarakan pihak yang competent parties;
berkompeten;
5. Corporate Secretary bertanggung jawab kepada Direksi; 5. Corporate Secretary is responsible to the Board of Directors;
dan and
6. Setiap informasi yang disampaikan oleh Corporate 6. Any information conveyed by Corporate Secretary to the
Secretary kepada masyarakat merupakan informasi resmi public is official information from the Bank.
dari Bank.
PELAKSANAAN TUGAS TAHUN 2024 IMPLEMENTATION OF DUTIES IN 2024
Pada tahun 2024 Corporate Secretary Bank Artha Graha Bank Artha Graha Internasional’s Corporate Secretary reported
Internasional menjalankan beragam kegiatan sebagai berikut: on the various activities carried out throughout 2024 as follows:
1. Memfasilitasi Dewan Komisaris dan Direksi dalam 1. Facilitated the Board of Commissioners and Board of
menyelenggarakan RUPS Tahunan dan RUPS Luar Biasa; Directors in organizing the Annual GMS and Extraordinary
GMS;
2. Memfasilitasi Dewan Komisaris dan Direksi dalam 2. Facilitating the Board of Commissioners and the Board of
menyelenggarakan Public Expose; Directors in holding a Public Expose;
3. Membantu penyelenggaraan dan pendokumentasian rapat 3. Assisted in organizing and documenting Board of Directors
Direksi, rapat Komisaris, rapat Management Committee meetings, Commissioners meetings, Management
serta pemantauan hasil keputusan manajemen; Committee meetings and monitoring the results of
management decisions;
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4. Membuat Laporan Tahunan dan Laporan Keberlanjutan 4. Prepared Annual Reports and Sustainability Reports
yang berpedoman pada peraturan perundang-undangan that were guided by applicable laws and regulations,
yang berlaku, salah satunya Undang-Undang No. 40 including Law No. 40 of 2007 concerning Limited Liability
Tahun 2007 tentang Perseroan Terbatas dan Peraturan Companies and Bank Indonesia Regulation No. 14/14/
Bank Indonesia No. 14/14/PB/2012 tentang Transparansi PB/2012 concerning Transparency and Publication of Bank
dan Publikasi Laporan Bank, Peraturan Otoritas Jasa Reports, Financial Services Authority Regulation No. 29/
Keuangan No. 29/POJK.04/2016, Peraturan Otoritas POJK.04/2016, Financial Services Authority Regulation
Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan No. 51/POJK.03/2017 concerning the Implementation of
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Sustainable Finance for Financial Services Institutions,
Emiten, dan Perusahaan Publik, dan Surat Edaran Otoritas Issuers, and Public Companies, and Financial Services
Jasa Keuangan No. 16/SEOJK.04/2021 tentang Bentuk Authority Circular Letter No. 16/SEOJK.04/2021 concerning
dan Isi Laporan Tahunan Emiten atau Perusahaan Publik; the Form and Content of Annual Reports of Issuers or Public
Companies;
5. Memastikan pemantauan kepatuhan perusahaan melalui 5. Fulfilled routine reporting to meet regulations on a monthly,
pemenuhan laporan rutin guna memenuhi regulasi baik quarterly, semi-annual and annual basis to the Regulator;
secara bulanan, triwulan, semesteran, dan tahunan kepada
Regulator;
6. Membantu penyelenggaraan Corporate Action Bank; 6. Assisted in the implementation of the Bank’s Corporate
Action;
7. Memastikan terjaganya hubungan baik dengan para 7. Ensuring the maintenance of good relations with
pemangku kepentingan/stakeholders; stakeholders;
8. Melaksanakan kegiatan tanggung jawab sosial dan 8. Carried out the Bank’s social responsibility and security
pengamanan Bank; dan activities; and
9. Mengelola website dan media sosial Bank demi menjaga 9. Managed the Bank’s website and social media to maintain
image perusahaan. Company’s image.
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Program pengembangan kompetensi yang diikuti Corporate The competency development programs that the Corporate
Secretary sepanjang tahun 2024 adalah sebagai berikut: Secretary participated in throughout 2024 are as follows:
Nama Peserta Training Pihak Penyelenggara Tanggal
Participant Name Pelatihan Organizer Date
Rumi Kreshna Wibowo Pembekalan & Uji Sertifikasi Manajemen Risiko Jenjang 7 RMG dan LSPP 16 Agustus 2024
Risk Management Certification Preparation & Assessment August 16, 2024
Level 7
Workshop Laporan Resolusi (LPS) dan Recovery (OJK) Denny Sudrajat 21-22 September 2024
Resolution (LPS) and Recovery (OJK) Report Workshop September 21-22, 2024
HR Leaders & HR Tech Strategy Meeting Rockbird Media Pte, Ltd. 19 November 2024
November 19, 2024
The 19th Indonesia HR EXPO Intipesan Conference 11-12 Desember 2024
December 11-12, 2024
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INTERNAL AUDIT
Internal Audit
Fungsi Internal Audit bagi manajemen sebagai strategic The internal audit function is a strategic business partner for
business partner dalam mengoptimalkan implementasi terkait management in optimizing the implementation of GCG through
GCG melalui kajian dan audit pelaksanaan kebijakan dan effective review and audit of the implementation of policies
prosedur dalam aktivitas operasional Bank yang efektif. Fungsi and procedures in the Bank’s operational activities. This audit
dan tanggung jawab audit ini wajib diterapkan dan dilaksanakan function and responsibility must be implemented and carried
dengan prinsip independen. out with independent principles.
Fungsi internal audit dijalankan melalui proses evaluasi The internal audit function is carried out through an
berdasarkan risk based audit secara objektif dan jasa konsultasi. evaluation process based on objective risk-based audit and
Fungsi tersebut dilakukan melalui pendekatan yang proaktif, consulting services. The function is carried out through a
berkomunikasi secara efektif, berorientasi pada bisnis dan proactive approach, effective communication, business- and
stakeholders, pemahaman terhadap pokok permasalahan (root stakeholder-oriented approaches, understanding of the root
of the problem) dan area yang memiliki risiko tinggi, penekanan problem and high-risk areas, emphasis on quality findings, and
temuan pada kualitas, serta merekomendasikan penyelesaian recommendations of practical and workable solutions.
yang praktis dan workable.
Internal Audit berperan memberikan keyakinan berdasarkan The Internal Audit plays a role in providing assurance based
hasil pemeriksaan bahwa pengendalian internal dan on the results of the examination that internal control and
pelaksanaan kegiatan operasional, akuntansi, manajemen the implementation of operational activities, accounting,
risiko dan kegiatan Bank lainnya telah terselenggara dengan risk management and other Bank activities have been well
baik dan mampu menjamin kepentingan Bank serta stakeholder. organized and able to guarantee the interests of the Bank and
stakeholders.
DASAR HUKUM LEGAL BASIS
Pedoman kerja Internal Audit disusun berdasarkan Peraturan The Internal Audit work guidelines are prepared based on the
Otoritas Jasa Keuangan No. 1/POJK.03/2019 tanggal 28 Financial Services Authority Regulation No. 1/POJK.03/2019
Januari 2019 tentang Penerapan Fungsi Audit Intern pada dated January 28, 2019 concerning the Implementation of the
Bank Umum. Internal Audit Function in Commercial Banks.
PIAGAM INTERNAL AUDIT INTERNAL AUDIT CHARTER
Internal Audit dalam menjalankan tugas dan tanggung jawabnya Internal Audit carries out its duties and responsibilities based
berdasarkan pada Pedoman dan Tata Tertib Kerja Internal Audit on the Guidelines and Code of Conduct for Internal Audit
yang tertuang dalam Pedoman Pengawasan Intern (PPI) No. as stipulated in the Internal Supervision Guidelines (PPI)
10204.01.0 tanggal 15 Desember 2017, Pedoman Pengawasan No.10204.01.0 dated December 15, 2017, Internal Supervision
Intern (PPI) No. 10204.02.0 tanggal 31 Mei 2019, Pedoman Guidelines (PPI) No. 10204.02.0 dated May 31, 2019, and
Pengawasan Intern (PPI) No. 10204.02.1 tanggal 25 Mei 2022 Internal Supervision Guidelines (PPI) No. 10204.02.1 dated May
yang telah diperbarui menjadi Pedoman Pengawasan Intern (PPI) 25, 2022, which have been updated to Internal Supervision
No. 10204.03.0 tanggal 30 Desember 2024. Guidelines (PPI) No. 10204.03.0 dated December 30, 2024.
Isi dari pedoman tersebut mencakup: The content of the guidelines includes:
1. Tujuan; 1. Objective;
2. Ketentuan Umum: 2. General Provisions:
a. Fungsi dan Peranan Internal Audit (SKAI); a. Function and Role of Internal Audit;
b. Tanggung Jawab Pengendalian Intern; b. Internal Control Responsibilities;
c. Prinsip-prinsip Pengendalian Intern; c. Principles of Internal Control;
d. Fungsi Pemeriksaan Intern; d. Internal Audit Function;
e. Tata Cara dan Ketentuan Pendukung; serta e. Procedures and Supporting Provisions; and
f. Administrasi Dokumen. f. Document Administration.
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3. Prosedur; dan 3. Procedures; and
4. Penutup. 4. Cover.
KODE ETIK AUDITOR AUDITOR’S CODE OF ETHICS
Berdasarkan pedoman tersebut, Internal Audit wajib mematuhi Based on these guidelines, Internal Audit must comply with and
dan menerapkan kode etik yang terdiri dari: implement the code of ethics which consists of:
1. Integritas 1. Integrity
Setiap auditor intern harus memiliki integritas dalam Each internal auditor must uphold integrity in the
melaksanakan tugasnya yang tercermin dari tindakan: performance of their duties, as reflected in the following
actions:
a. Dapat diandalkan, tegas, jujur, dan terpercaya; a. Being reliable, firm, honest, and trustworthy;
b. Menjaga kerahasiaan informasi yang diperoleh dalam b. Maintaining the confidentiality of information obtained
pelaksanaan tugas; during the course of their duties;
c. Menghindari benturan kepentingan; dan c. Avoiding conflicts of interest; and
d. Mengimplementasikan Kode Etik Audit Intern. d. Implementing the Internal Audit Code of Ethics.
Setiap auditor internal harus menghindari situasi yang Every internal auditor must avoid situations that are known or
diketahui atau dicurigai melanggar hukum dan harus suspected of violating the law and must report such situations
melaporkan situasi tersebut langsung kepada pejabat directly to the authorized officials at Bank Artha Graha
yang berwenang di Bank Artha Graha Internasional sesuai Internasional in accordance with the applicable organizational
dengan struktur organisasi yang berlaku. structure.
2. Objektivitas 2. Objectivity
a. Setiap auditor internal berkewajiban untuk menjalankan a. Every internal auditor is obliged to carry out their duties
tugasnya dengan penuh kejujuran, objektivitas, dan with honesty, objectivity, and diligence;
ketekunan;
b. Setiap auditor internal harus memiliki kebebasan sikap b. Each internal auditor must have freedom of mental
mental dan kepercayaan yang jujur akan hasil pekerjaan attitude and honest belief in the results of his audit
auditnya; dan work; and
c. Membuat konsep prosedur, merancang sistem, c. Each internal auditor is obliged to conceptualize
memasang sistem, melaksanakan sistem, bukan procedures, design systems, install systems, implement
merupakan fungsi audit. Setiap karyawan Bank Artha systems, and is not an audit function. Any employee of
Graha Internasional dalam kapasitasnya sebagai auditor Bank Artha Graha Internasional in his/her capacity as
internal tidak diperkenankan sama sekali untuk turut an internal auditor is not allowed to be involved at all
terlibat atau melibatkan diri dalam pekerjaan-pekerjaan in any of the aforementioned tasks as it will reduce the
yang disebutkan di atas karena dinilai mengurangi objectivity of the audit.
objektivitas audit.
3. Kerahasiaan 3. Confidentiality
a. Setiap auditor internal harus bijaksana (prudent) dalam a. Every internal auditor must be prudent in using the
menggunakan informasi yang diperolehnya selama information obtained during the audit task;
melakukan tugas audit;
b. Setiap auditor internal harus menjaga agar informasi b. Each internal auditor must keep confidential information
yang bersifat rahasia jangan sampai bocor, dengan from being leaked, with the exception of conveying
pengecualian yaitu menyampaikan informasi rahasia confidential information to those entitled to obtain it, in
kepada pihak-pihak yang berhak memperolehnya, accordance with orders or directions from the Head of
sesuai dengan perintah atau pengarahan dari Kepala Internal Audit;
Internal Audit;
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c. Setiap auditor internal tidak boleh menggunakan c. Each internal auditor must not use confidential information
informasi yang bersifat rahasia untuk keuntungan for personal gain or in a way that could be detrimental
pribadi atau dengan cara yang dapat merugikan to the welfare of the organization at large, members
kesejahteraan organisasi pada umumnya, anggota of the Board of Commissioners as representatives of
Dewan Komisaris sebagai perwakilan para pemilik shareholders, and/or management; and
saham, dan/atau manajemen; serta
d. Setiap auditor internal harus mengambil langkah- d. Every internal auditor must take the necessary security
langkah pengamanan yang diperlukan guna menjaga measures to maintain the confidentiality of records and
kerahasiaan catatan-catatan dan berbagai data yang data that should be confidential.
seharusnya bersifat rahasia.
4. Kompetensi dan Profesionalisme 4. Competence and Professionalism
a. Setiap auditor intern harus memiliki pengetahuan, a. Each internal auditor must possess the knowledge, skills,
keterampilan, dan kompetensi yang dibutuhkan dalam and competencies required to carry out the internal audit
pelaksanaan fungsi audit intern terhadap Bank secara function comprehensively across the Bank;
menyeluruh;
b. Memastikan setiap auditor intern menerapkan b. Ensuring that every internal auditor applies their
pengetahuan, keterampilan, dan kompetensi yang knowledge, skills, and competencies in a professional
dilaksanakan secara profesional dan skeptis; dan and skeptical manner; and
c. Memastikan setiap auditor intern harus memiliki c. Ensuring that each internal auditor possesses the
pengetahuan, keterampilan dan kompetensi demi knowledge, skills, and competencies necessary to
terjaminnya pemenuhan tujuan audit intern di PT Bank achieve the objectives of internal audit at PT Bank Artha
Artha Graha Internasional Tbk. Graha Internasional Tbk.
P I H A K YA N G M E N G A N G K AT D A N APPOINTMENT AND DISMISSAL OF INTERNAL
MEMBERHENTIKAN KEPALA INTERNAL AUDIT AUDIT HEAD
Kepala Internal Audit diangkat dan diberhentikan oleh Direktur The Head of Internal Audit is appointed and dismissed by the
Utama setelah mendapat persetujuan dari Dewan Komisaris President Director after obtaining approval from the Board of
dengan mempertimbangkan rekomendasi Komite Audit Commissioners by considering the recommendations of the
sebagaimana yang diatur dalam POJK No. 1/POJK.03/2019 Audit Committee as stipulated in POJK No. 1/POJK.03/2019
tentang Penerapan Fungsi Audit Intern pada Bank Umum. concerning Implementation of Internal Audit Function in
Commercial Banks.
PROFIL PEJABAT INTERNAL AUDIT PROFILE OF INTERNAL AUDIT OFFICER
B e rda sarkan Surat Ke p utu san Direksi No. SKMT/ Based on the Decree of the Board of Directors No. SK-MT/
SDM/0704/X/2020 tanggal 14 Oktober 2020, Kepala Satuan HR/0704/X/2020 dated October 14, 2020, the Head of
Kerja Audit Internal (SKAI) dijabat oleh Adhyaksa Sitepu. Profil Internal Audit is Adhyaksa Sitepu. The full profile is available in
lengkap dapat dilihat pada bab Profil Perusahaan dalam buku the Company Profile chapter in this Annual Report book.
Laporan Tahunan ini.
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STRUKTUR ORGANISASI, KEDUDUKAN ORGANIZATIONAL STRUCTURE, POSITION
INTERNAL AUDIT DAL AM STRUK TUR OF INTERNAL AUDIT IN ORGANIZATIONAL
ORGANISASI DAN KOMPOSISI PERSONEL STRUCTURE AND COMPOSITION OF INTERNAL
INTERNAL AUDIT AUDIT PERSONNEL
Berikut adalah Struktur Organisasi Internal Audit: The following is the Internal Audit Organizational Structure,
namely:
Board of Commissioners
President Director
Head of IAU
Executive Officer Executive Officer Executive Officer Executive Officer
Credit Audit Operation Audit IT Audit Supervisory &
Anti Fraud
Internal Audit merupakan organ kerja independen yang berada Internal Audit is an independent working organ that is directly
dan bertanggung jawab secara langsung kepada Direktur responsible to the President Director and is fully supported
Utama yang didukung penuh oleh Dewan Komisaris serta by the Board of Commissioners and the Bank’s Management.
jajaran Manajemen Bank. Internal Audit juga dibantu oleh Internal Audit is also assisted by the Executive Officer in carrying
Executive Officer dalam pelaksanaan tugasnya. out its duties.
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Komposisi personil Internal Audit Bank Artha Graha The composition of Internal Audit personnel of Bank Artha
Internasional, hingga akhir Desember 2024, adalah sebagai Graha Internasional, until the end of December 2024, is as
berikut: follows:
Jabatan Jumlah Personil
Position Number of Personnel
Kepala Internal Audit 1
Internal Audit Head
Executive Officer (Kredit, Operasi, Teknologi dan Supervisory & Anti Fraud) 4
Executive Officer (Credit, Operations, Technology and Supervision & Anti-Fraud)
Staf Auditor Kredit 5
Credit Auditor Staff
Staf Auditor Operasi 10
Operations Auditor Staff
Staf Auditor Teknologi 4
Technology Auditor Staff
Staf Supervisory 4
Supervision Staff
Staf Anti Fraud 5
Anti-Fraud Staff
Jumlah 33
Total
INDEPENDENSI INTERNAL AUDIT INDEPENDENCE OF INTERNAL AUDIT
Seluruh aktivitas audit yang dilakukan oleh Internal Audit Bank All audit activities carried out by Bank Artha Graha
Artha Graha Internasional selalu berlandaskan pada prinsip Internasional’s Internal Audit are always based on the principle
independensi, tanpa ada unsur intervensi dari pihak mana of independence, without any element of intervention from any
pun yang mampu mempengaruhi kinerjanya. party that can affect its performance.
METODE AUDIT AUDIT METHOD
Dalam melaksanakan audit, metode audit yang digunakan In conducting audits, the Internal Audit of Bank Artha Graha
Internal Audit Bank Artha Graha Internasional adalah metode Internasional implement a risk-based audit method, focusing
risk based audit dengan menerapkan fokus audit pada kegiatan audit activities on areas and transactions that carry high risk.
dan transaksi yang memiliki risiko tinggi.
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Corporate Social Safety Responsibility
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
Internal Audit Bank Artha Graha Internasional memiliki tugas Bank Artha Graha Internasional Internal Audit has the following
dan tanggung jawab sebagai berikut: duties and responsibilities:
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. Assisting the duties of the President Director and the Board
dalam melakukan pengawasan dengan cara menjabarkan of Commissioners in conducting supervision by describing
secara operasional baik perencanaan, pelaksanaan operationally both planning, implementing and monitoring
maupun pemantauan hasil audit; audit results;
2. Membuat analisis dan penilaian di bidang keuangan, 2. Making analysis and judgment in finance, accounting,
akuntansi, operasional, dan kegiatan lain melalui audit; operations, and other activities through audits;
3. Mengidentifikasi segala kemungkinan untuk memperbaiki 3. Identifying any possibilities to improve and increase the
dan meningkatkan efisiensi penggunaan sumber daya efficiency of the use of resources and funds;
dan dana;
4. Memberikan saran perbaikan dan informasi yang objektif 4. Providing suggestions for improvement and objective
tentang kegiatan yang diperiksa pada semua tingkatan information about the activities examined at all levels of
manajemen; dan management; and
5. Internal Audit harus memiliki tanggung jawab terhadap 5. Internal Audit must have a responsibility to the profession
profesi dengan selalu menerapkan prinsip kerja yang by always applying the principles of careful, thorough and
cermat, seksama dan tegas untuk melayani organisasi Bank decisive work to serve the Bank Artha Graha Internasional
Artha Graha Internasional dengan cara yang konsisten organization in a manner consistent with various internal
dengan berbagai norma audit intern dan Kode Etik. audit norms and the Code of Ethics.
PELAKSANAAN TUGAS TAHUN 2024 IMPLEMENTATION OF DUTIES IN 2024
Pelaksanaan kegiatan audit Internal Audit Bank diterapkan The Bank’s Internal Audit activities are periodically applied to
secara berkala pada Kantor Cabang dan Kantor Pusat Non Branch Offices or Operating Centers and Non-Operational
Operasional (KPNO). Adapun target pemeriksaan untuk tahun Headquarters (KPNO). In 2024, out of 151 audit targets, 139
2024 adalah sejumlah 151 pemeriksaan dengan capaian adalah audits (92%) were successfully achieved.
sebanyak 139 pemeriksaan (92%).
Fokus kerja yang ingin dicapai Internal Audit di tahun 2024, The focus of work that Internal Audit wants to achieve in
adalah: 2024, are as follows:
1. Melaksanakan audit terhadap Kantor Cabang dan Kantor 1. Carrying out audits of Branch Offices or Operating Centers
Pusat Non Operasional (KPNO) sesuai dengan rencana and Non-Operational Headquarters (KPNO) in accordance
audit dengan fokus pemeriksaan pada temuan berisiko with the audit plan with a focus on examining high-risk
tinggi dan temuan berulang; findings and recurring findings;
2. Meningkatkan standarisasi dan kualitas pemeriksaan; dan 2. Improving the standardization and quality of audits; and
3. Meningkatkan kompetensi dan profesionalisme auditor. 3. Improving auditor competence and professionalism.
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PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Berikut program pengembangan kompetensi yang diikuti The competency development programs that Internal Audit
Internal Audit sepanjang tahun 2024: participated in throughout 2024 are as follows:
Materi Penyelenggara Waktu Pelaksanaan
No
Material Organizer Execution Date
1 Refreshment Sertifikat Manajemen Risiko Risiko Manajemen Gagasan (RMG) 3-19 Februari 2024
Risk Management Certification Refreshment February 3-19, 2024
2 Webinar: Artificial Intelligence Changes the Face of the Financial OJK 7 Maret 2024
Sector March 7, 2024
3 Resertifikasi Manajemen Risiko BSMR 2-8 Maret 2024
Risk Management Recertification March 2-8, 2024
4 Pembekalan & Ujian Sertifikasi Manajemen Risiko Jenjang 4 LPPI 28-29, 31 Mei 2024
Risk Management Certification Training & Examination Level 4 May 28-29, 31, 2024
5 Pembekalan Sertifikasi Audit Intern - Level Supervisor Asanka 30-31 Mei 2024
Internal Audit Certification Training - Supervisor Level May 30-31, 2024
6 Pembekalan dan Ujian Sertifikasi Audit Intern Level Auditor Asanka & LSPP 3-4,14 Juni 2024
Internal Audit Certification Training and Examination - Auditor Level June 3-4, 14, 2024
7 Forum Penguatan Fungsi GRC: Diseminasi Standar Audit Internal OJK 7 Juni 2024
Terkini June 7, 2024
GRC Function Strengthening Forum: Dissemination of Latest Internal
Audit Standards
8 Resertifikasi Audit Intern LSPP 14 Juni 2024
Internal Audit Recertification June 14, 2024
9 Workshop Laporan Resolusi (LPS) & Recovery (OJK) Denny Sudrajat 21-22 September 2024
Resolution (LPS) & Recovery (OJK) Report Workshop September 21-22, 2024
10 The 19th Indonesia HR EXPO Intipesan 11-12 Desember 2024
The 19th Indonesia HR EXPO December 11-12, 2024
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Corporate Social Safety Responsibility
AKUNTAN PUBLIK
Public Accountant
Pada tahun 2024 Bank Artha Graha Internasional kembali In 2024, Bank Artha Graha Internasional once again conducted
melakukan pemilihan dan penunjukan Kantor Akuntan Publik the selection and appointment of a Public Accounting Firm to
untuk melaksanakan audit terhadap Laporan Keuangan audit the Financial Statements for the 2024 Fiscal Year. This
Tahun Buku 2024. Hal tersebut dilakukan dalam rangka is in order to comply with the Financial Services Authority
memenuhi ketentuan Peraturan Otoritas Jasa Keuangan No. Regulation No. 37/POJK.03/2019 concerning Transparency
37/POJK.03/2019 tentang Transparansi dan Publikasi Laporan and Publication of Bank Reports. External Auditors are
Bank. Auditor Eksternal yang ditunjuk diwajibkan mampu required to be able to provide accountable, independent,
memberikan informasi dan data yang akuntabel, independen, and fair information and data, especially on financial aspects,
dan wajar khususnya atas aspek keuangan, operasional, dan operations, and compliance with applicable regulations.
kepatuhan terhadap peraturan yang berlaku.
Audit ekstern dilakukan oleh pihak independen yang telah The external audit is conducted by an independent party that
memenuhi persyaratan untuk memastikan bahwa pencatatan has met the requirements to ensure that the Bank’s accounting
akuntansi Bank diwajibkan melakukan pelaporan profil Risiko records are required to report the Bank’s risk profile. The risk
Bank. Laporan profil risiko tersebut mencakup penilaian profile report includes an assessment of Inherent Risk and
terhadap Risiko Inheren dan penilaian terhadap Kualitas an assessment of the Quality of the Bank’s Risk Management
Penerapan Manajemen Risiko Bank, yang disusun sesuai Implementation, which is prepared in accordance with the
dengan ketentuan Pernyataan Standar Akuntansi dan Keuangan provisions of the Statement of Accounting and Financial
(PSAK) dan laporan yang disiapkan menyajikan posisi keuangan Standards (PSAK) and the reports prepared present the
dan hasil usaha secara wajar serta operasional usaha yang financial position and results of operations fairly and the
dijalankan Bank tidak menyalahi ketentuan Regulasi yang business operations carried out by the Bank do not violate the
berlaku. provisions of applicable regulations.
Penunjukan Kantor Akuntan Publik Bank Artha Graha The appointment of Bank Artha Graha Internasional’s Public
Internasional tahun buku 2024 ditetapkan melalui RUPS Accounting Firm for the financial year 2024 was determined
Tahunan berdasarkan rekomendasi dari Dewan Komisaris through the Annual GMS based on recommendations from
dan Komite Audit sesuai Peraturan Otoritas Jasa Keuangan No. the Board of Commissioners and the Audit Committee in
09/POJK.09/2023 yang ditunjuk untuk mengaudit Laporan accordance with the Financial Services Authority Regulation
Keuangan Bank. No. 09/POJK.09/2023 appointed to audit the Bank’s Financial
Statements.
PENUNJUKAN AKUNTAN PUBLIK APPOINTMENT OF PUBLIC ACCOUNTANT
Berdasarkan keputusan RUPS Tahunan yang dilaksanakan pada Based on the decision of the Annual General Meeting of
tanggal 28 Juni 2024, Perusahaan menyetujui penunjukan Shareholders (RUPS) held on June 28, 2024, the Company
kembali Kantor Akuntan Publik Kanaka Puradiredja, Suhartono approved the reappointment of the Public Accounting
untuk melakukan audit atas buku-buku Perseroan Tahun Firm Kanaka Puradiredja, Suhartono to conduct an audit of
Buku yang berakhir pada tanggal 31 Desember 2024, the Company’s financial records for the fiscal year ending
serta menetapkan jumlah honorarium dan persyaratan lain December 31, 2024, as well as. Additionally, the meeting
sehubungan dengan penunjukan AP dan KAP tersebut dengan determined the honorarium and other requirements in
memperhatikan rekomendasi dari Komite Audit. connection with the appointment of the Public Accountant
(AP) and Public Accounting Firm (KAP), taking into account the
recommendations from the Audit Committee.
Penunjukan tersebut dilakukan secara independen yang tidak The appointment was made independently, without any
memiliki benturan kepentingan dengan Bank, untuk mengaudit conflicts of interest with the Bank, to audit the Bank’s Financial
Laporan Keuangan Bank, dan telah sesuai dengan standar Statements, and is in accordance with professional standards,
profesional, perjanjian kerja, dan ruang lingkup audit. the engagement agreement, and the scope of the audit.
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Hasil penunjukan Kantor Akuntan Publik dan Akuntan Publik The results of the appointment of the Public Accounting Firm
dalam 5 (lima) tahun terakhir sebagai berikut: and Public Accountant in the last 5 (five) years are as follows:
Nama Akuntan (Partner
Tahun Kantor Akuntan Publik Penanggung Jawab) Izin KAP
Year Public Accounting Firm Accountant Name (Partner in KAP License
Charge)
2024 KAP Kanaka Puradiredja, Suhartono Ahmad Nadhif Thoyyibin, S.E., Ak., STTD.KAP-00034/PM.22/2017 tanggal 18 Oktober 2017
S.H., M.Ak., CA., CPA., ASEAN CPA STTD.KAP-00034/PM.22/2017 dated October 18, 2017
2023 KAP Kanaka Puradiredja, Suhartono Harris Siregar, SE.,Ak., CA., CPA, STTD.KAP-00034/PM.22/2017 tanggal 18 Oktober 2017
ASEAN CPA., BKP STTD.KAP-00034/PM.22/2017 dated October 18, 2017
2022 KAP Kanaka Puradiredja, Suhartono Harris Siregar, SE.,Ak., CA., CPA, STTD.KAP-00034/PM.22/2017 tanggal 18 Oktober 2017
ASEAN CPA., BKP STTD.KAP-00034/PM.22/2017 dated October 18, 2017
2021 KAP Kanaka Puradiredja, Suhartono Harris Siregar, SE.,Ak., CA., CPA, STTD.KAP-00034/PM.22/2017 tanggal 18 Oktober 2017
ASEAN CPA., BKP STTD.KAP-00034/PM.22/2017 dated October 18, 2017
2020 KAP Kanaka Puradiredja, Suhartono Barugamuri Dachi, M. Ak., CA., STTD.KAP-00034/PM.22/2017 tanggal 18 Oktober 2017
CPA STTD.KAP-00034/PM.22/2017 dated October 18, 2017
2019 KAP Kanaka Puradiredja, Suhartono Florus Daeli, SE., Ak., MM., CPA., STTD.KAP-00034/PM.22/2017 tanggal 18 Oktober 2017
CA., CRA., CLI., CTA., ASEAN CPA STTD.KAP-00034/PM.22/2017 dated October 18, 2017
JASA LAIN DAN BIAYA YANG DIBERIKAN OTHER SERVICES AND FEES PROVIDED BY
KANTOR AKUNTAN PUBLIK DAN AKUNTAN PUBLIC ACCOUNTING FIRM AND PUBLIC
PUBLIK ACCOUNTANT
Kantor Akuntan Publik dan Akuntan Publik tidak memberikan The Public Accounting Firm and Public Accountant did not
jasa lain selain audit laporan keuangan tahunan pada tahun provide other services other than the audit of the annual
buku berakhir. financial statements in the financial year ended.
KOORDINASI AUDITOR EKSTERNAL DAN EXTERNAL AUDITOR AND AUDIT COMMITTEE
KOMITE AUDIT COORDINATION
Penunjukan Kantor Akuntan Publik Independen Bank Artha The appointment of Bank Artha Graha Internasional’s
Graha Internasional telah sesuai dengan prosedur yang Independent Public Accounting Firm is in accordance with
diatur oleh regulator yang disahkan dalam RUPS Tahunan the procedures regulated by the regulators and authorized in
berdasarkan rekomendasi dari Komite Audit. Komite Audit the Annual GMS based on the recommendation of the Audit
senantiasa memberikan saran, rekomendasi, dan pendapat Committee. The Audit Committee always provides independent
yang bersifat independen terkait permasalahan yang dihadapi. advice, recommendations and opinions related to the problems
Selain itu, hasil pendampingan dan pengawasan secara intensif encountered. In addition, the results of intensive assistance and
yang dilakukan akan dilaporkan kepada Direksi Bank. supervision carried out will be reported to the Bank’s Board of
Directors.
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Corporate Social Safety Responsibility
FUNGSI KEPATUHAN
Compliance Function
Bank telah membentuk Satuan Kerja Kepatuhan/Divisi The Bank has established a Compliance Working Unit/
Kepatuhan sebagai unit independen yang membantu Compliance Division as an independent unit that assists the
pelaksanaan tugas dari Direktur yang membawahkan Fungsi implementation of the duties of the Director in charge of the
Kepatuhan dan bertanggungjawab langsung kepada Direktur Compliance Function and is directly responsible to the Director
yang membawahkan Fungsi Kepatuhan. Satuan Kerja Kepatuhan in charge of the Compliance Function. The Bank’s Compliance
Bank dipimpin oleh Kepala Divisi yang telah memenuhi kriteria Working Unit is led by a Division Head who has met the criteria
sebagai Kepala Satuan Kerja Kepatuhan sebagaimana yang as the Head of Compliance Working Unit as stipulated in the
diatur dalam Peraturan Otoritas Jasa Keuangan No. 46/ Financial Services Authority Regulation No. 46/POJK.03/2017
POJK.03/2017 tanggal 12 Juli 2017 tentang Pelaksanaan Fungsi dated July 12, 2017 concerning Implementation of Compliance
Kepatuhan Bank Umum. Function of Commercial Banks.
Dalam melaksanakan fungsi kepatuhan, Direktur Kepatuhan In carrying out the compliance function, the Compliance Director
beserta Divisi Kepatuhan wajib memegang teguh independensi and the Compliance Division must uphold independence
dalam memberikan pendapat tanpa memihak kepada in providing opinions without favoring the interests of other
kepentingan pihak lain, menjunjung tinggi integritas serta tidak parties, upholding integrity and not using information obtained
menggunakan informasi yang diperoleh untuk kepentingan for personal/group interests outside the interests of the Bank.
pribadi/golongan di luar kepentingan Bank. Pejabat dan staf Officers and staff in the compliance work unit are prohibited
di satuan kerja kepatuhan dilarang ditempatkan pada posisi from being placed in a position to face conflicts of interest in
menghadapi conflict of interest dalam melaksanakan tanggung carrying out the responsibilities of the Compliance Function.
jawab Fungsi Kepatuhan. Limit ditentukan secara jelas sesuai Limits are clearly defined in accordance with the approval of
persetujuan Komite Manajemen Risiko. the Risk Management Committee.
DASAR HUKUM LEGAL BASIS
Cakupan Fungsi Kepatuhan Bank Artha Graha Internasional The scope of the Compliance Function of Bank Artha Graha
dalam menjalankan tugas dan tanggung jawabnya berpedoman Internasional in carrying out its duties and responsibilities is
pada Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2017 guided by the Financial Services Authority Regulation No.
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. 46/POJK.03/2017 concerning the Implementation of the
Compliance Function of Commercial Banks.
PEDOMAN DAN TATA TERTIB KERJA FUNGSI COMPLIANCE FUNCTION GUIDELINES
KEPATUHAN
Pedoman terkait tata kerja fungsi Kepatuhan Bank tertuang Guidelines related to the work procedures of the Bank’s
dalam Pedoman Tata Kerja Direktorat Compliance No. Compliance function are contained in the Compliance
10100.05.0 tanggal 28 Februari 2023 tentang Pedoman Tata Directorate Work Procedure Guidelines No. 10100.05.0 dated
Kerja Sub Direktorat Compliance dan APU PPT. February 28, 2023 concerning Work Procedure Guidelines for
the Sub-Directorate of Compliance and AML CTF.
PROFIL KEPALA SATUAN KERJA KEPATUHAN PROFILE OF COMPLIANCE WORKING UNIT
HEAD
Profil Ponttie Prasnanugraha Perkasa sebagai Deputy Director The profile of Ponttie Prasnanugraha Perkasa as the Bank’s
Compliance Bank dapat dilihat pada profil Pejabat Eksekutif Deputy Director Compliance is available in the Executive Officer
dalam Laporan Tahunan ini. profile in this Annual Report.
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STRATEGI FUNGSI KEPATUHAN COMPLIANCE FUNCTION STRATEGY
1. Meningkatkan prinsip kehati-hatian (prudential principles) 1. Improving prudential principles and compliance principles
dan prinsip kepatuhan (compliance principles) dalam in the development of business activities and operations
pengembangan kegiatan usaha dan operasional melalui through digital banking services and other services properly
layanan perbankan digital (digital banking) dan layanan and correctly in accordance with applicable regulations;
lainnya dengan baik dan benar sesuai ketentuan berlaku;
2. Mematuhi seluruh peraturan perbankan yang berlaku, 2. Complying with all applicable banking regulations, in
dalam meminimalkan risiko kepatuhan yang berkaitan minimizing compliance risks related to the Bank’s business
dengan kegiatan usaha dan operasional Bank khususnya activities and operations, especially digital banking services;
layanan perbankan digital (digital banking); dan and
3. Kepatuhan merupakan tanggung jawab seluruh karyawan 3. Compliance is the responsibility of all employees of work
unit kerja pada Bank, sehingga setiap jenjang tingkatan units in the Bank, so that each level of organization in all
organisasi pada seluruh kegiatan usaha Bank memiliki business activities of the Bank has its own responsibility for
tanggung jawab masing-masing terhadap terciptanya the creation of a compliance culture, while the Compliance
budaya kepatuhan (compliance culture), sedangkan Satuan Working Unit as a supporting unit and strategic business
Kerja Kepatuhan sebagai supporting unit dan strategic partner carries out the Bank’s compliance function in
business partner melaksanakan fungsi kepatuhan Bank supporting the compliance culture to manage compliance
dalam mendukung budaya kepatuhan untuk mengelola risk properly by conducting reminders.
risiko kepatuhan dengan baik dengan melakukan reminder
kembali.
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES
Tugas dan tanggung jawab dari Fungsi Kepatuhan Bank Artha The duties and responsibilities of the Compliance Function of
Graha Internasional di antaranya: Bank Artha Graha Internasional include:
1. Merumuskan strategi dalam mendorong terciptanya budaya 1. Formulating strategies to encourage the creation of a culture
kepatuhan, dengan melakukan langkah-langkah untuk of compliance, by taking steps to support the creation of
mendukung terciptanya budaya kepatuhan pada seluruh a culture of compliance in all bank business activities at
aktivitas usaha bank pada setiap jenjang organisasi; every level of the organization;
2. Memastikan bahwa seluruh kebijakan, ketentuan, sistem 2. Ensuring that all policies, provisions, systems and
dan prosedur serta kegiatan usaha bank sesuai ketentuan procedures as well as the Bank’s business activities are in
Otoritas atau regulator serta perundang-undangan accordance with the provisions of the Authority or regulator
yang berlaku, dengan melakukan penilaian dan evaluasi as well as applicable laws, by assessing and evaluating
efektivitas, kecukupan dan kesesuaian kebijakan ketentuan, the effectiveness, adequacy and suitability of the Bank’s
sistem dan prosedur yang dimiliki Bank; policies, provisions, systems and procedures;
3. Melakukan tindakan pencegahan agar kebijakan atau 3. Taking precautions so that policies or decisions taken by
keputusan yang diambil Direksi tidak menyimpang dari the Board of Directors do not deviate from the applicable
ketentuan berlaku, dengan melakukan review atau kajian provisions, by conducting a review or compliance study of
kepatuhan terhadap aktivitas/produk yang akan diterbitkan; activities/products to be issued;
4. Melakukan analisis secara rutin dan memberi masukan
terhadap regulasi baru yang berdampak signifikan terhadap 4. Conducting regular analysis and providing feedback on new
Bank Artha Graha Internasional kepada manajemen dan regulations that have a significant impact on Bank Artha
tindak lanjutnya; Graha Internasional to the management and its follow-up;
5. Memastikan terkait kesiapan atas pengembangan, 5. Ensuring readiness for the development, change of status
perubahan status dan penutupan jaringan kantor; and closure of the office network;
6. Memantau terhadap pemenuhan rasio kepatuhan dalam 6. Monitoring the fulfillment of compliance ratios in the
rangka prinsip kehati-hatian Bank; framework of the Bank’s prudential principles;
7. Melakukan pengawasan kegiatan penyelesaian pengaduan 7. Supervising Customer complaint resolution activities;
Nasabah;
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8. Melakukan monitoring dan reminder terhadap penyampaian 8. Monitoring and reminding the submission of all compliance
seluruh kepatuhan pelaporan kepada Bank Indonesia atau reporting to Bank Indonesia or the Financial Services
Otoritas Jasa Keuangan yang dilaksanakan oleh unit kerja Authority carried out by related work units, in accordance
terkait, sesuai dengan waktu yang ditetapkan; dan with the specified time; and
9. Memastikan kepatuhan Bank terhadap komitmen yang 9. Ensuring the Bank’s compliance with the commitments
telah disepakati oleh Bank dengan Otoritas pengawasan agreed by the Bank with the authorized supervisory
yang berwenang. authorities.
PELAKSANAAN PROGRAM KERJA FUNGSI I M PLEM ENTATI O N O F C O M PLI AN C E
KEPATUHAN FUNCTION WORK PROGRAMS
1. Pemantauan terhadap pencapaian RBB sebagai wujud 1. Monitoring RBB achievements as a fo rm of implementation
terlaksananya komitmen pencapaian sesuai dengan of achievement commitments in accordance with the
strategi yang ditetapkan dalam RBB; strategies set out in the RBB;
2. Penyusunan kebijakan, ketentuan, sistem, dan prosedur 2. Preparing internal policies, provisions, systems and
internal serta kegiatan usaha yang dilakukan oleh Bank procedures as well as business activities the Bank in
telah sesuai dengan ketentuan Bank Indonesia, Otoritas accordance with the provisions of Bank Indonesia, the
Jasa Keuangan dan peraturan perundang-undangan Financial Services Authority and applicable laws and
yang berlaku; regulations;
3. Mengelola risiko kepatuhan dalam pelaksanaan praktik 3. Managing compliance risk in the implementation of
tata kelola bank yang sehat dalam memantau pelaksanaan sound bank governance practices in monitoring the
perkreditan maupun operasional untuk menekan risiko implementation of credit and operations to minimize the
kerugian yang terjadi akibat adanya pelaksanaan yang risk of losses incurred due to the existence of the Bank’s
tidak sesuai prosedur berlaku; compliance risk;
4. Pemantauan terhadap pemenuhan komitmen Bank kepada 4. Monitoring the fulfillment of the Bank’s commitments to
Otoritas Jasa Keuangan, Bank Indonesia maupun Otoritas the Financial Services Authority, Bank Indonesia and other
lain yang berwenang; dan authorized authorities; and
5. Memberikan pemahaman kepada seluruh karyawan 5. Providing understanding to all employees on the
atas pelaksanaan program APU-PPT dalam mengenal implementation of AML-CTF program in Know Your
profil nasabah (know your customer) untuk mencegah Customer (KYC) profile to prevent misuse of account
penyalahgunaan atas pembukaan rekening untuk tindakan opening for fraud by customers.
penipuan oleh nasabah.
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PROGRAM APU, PPT & PPPSPM
AML, CTF & PF-WMD Program
Penerapan Program Anti Pencucian Uang (APU), Pencegahan The Anti-Money Laundering (AML), Counter-Terrorism
Pendanaan Terorisme (PPT) dan Pencegahan Pendanaan Financing (CTF) and Prevention of the Financing of Weapons of
Proliferasi Senjata Pemusnah Massal (PPPSPM) merupakan Mass Destruction Proliferation (PF-WMD) Program is a program
program yang wajib diterapkan oleh Bank dalam melakukan that must be implemented by the Bank in conducting business
hubungan usaha dengan calon nasabah dan pengguna jasa relationships with prospective customers and users of Bank
Bank. Secara operasional dalam penerapannya di Bank, services. In its implementation at the Bank, the AML, CTF & PF-
Penerapan Program APU, PPT & PPPSPM telah diatur dalam WMD Program has been regulated in the AML, CTF & PF-WMD
Kebijakan, Standar Prosedur maupun Petunjuk Teknis APU, Policy, Standard Procedures and Technical Guidelines.
PPT & PPPSPM.
Tujuan penerapan program adalah untuk mencegah dan The purpose of implementing the program is to prevent and
melindungi Bank agar tidak digunakan sebagai sarana kejahatan protect the Bank from being used as a means of money
pencucian uang (Money Laundering) dan pendanaan terorisme laundering crimes and the funding of terrorism including the
termasuk pendanaan proliferasi senjata pemusnah massal funding of proliferation of weapons of mass destruction carried
yang dilakukan secara langsung maupun tidak langsung oleh out directly or indirectly by criminals.
para pelaku kejahatan.
DASAR HUKUM LEGAL BASIS
Pembentukan unit kerja APU PPT Bank dilakukan dengan The establishment of the Bank’s AML CTF work unit is carried
berpedoman kepada: out by referring to:
1. Peraturan Otoritas Jasa Keuangan No. 8 Tahun 2023 1. Financial Services Authority Regulation No. 8 of 2023
tanggal 14 Juni 2023 tentang Penerapan Program Anti dated June 14, 2023 on the Implementation of Anti-Money
Pencucian Uang, Pencegahan Pendanaan Terorisme, dan Laundering Program, Prevention of Financing of Terrorism,
Pencegahan Pendanaan Proliferasi Senjata Pemusnah and Prevention of Financing of Proliferation of Weapons
Massal Di Sektor Jasa Keuangan; dan of Mass Destruction in the Financial Services Sector; and
2. Surat Edaran Otoritas Jasa Keuangan No. 32 / 2. Circular Letter of the Financial Services Authority No. 32/
SEOJK.03/2017 tentang Penerapan Program Anti SEOJK.03/2017 on the Implementation of Anti-Money
Pencucian Uang dan Pencegahan Pendanaan Terorisme Laundering and Countering the Financing of Terrorism
di Sektor Perbankan. Programs in the Banking Sector.
PEDOMAN APU, PPT & PPPSPM AML, CTF & PF-WMD GUIDELINE
Penyusunan pedoman APU, PPT & PPPSPM tertuang dalam The preparation of AML, CTF & PF-WMD guidelines is contained
Surat Edaran Operasi No. 138.10.2 tanggal 23 Desember in Operational Circular No. 138.10.2 dated December 23, 2024
2024 tentang Anti Pencucian Uang, Pencegahan Pendanaan concerning Anti-Money Laundering, Prevention of Terrorism
Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata Financing, and Prevention of Funding for the Proliferation of
Pemusnah Massal (APU, PPT & PPPSPM). Weapons of Mass Destruction (AML, CTF & PF-WMD).
PENERAPAN APU, PPT & PPPSPM AML, CTF & PF-WMD IMPLEMENTATION
Pelaksanaan APU, PPT & PPPSPM Bank Artha Graha The implementation of AML, CTF & PF-WMD of Bank Artha
Internasional mengacu pada 5 (lima) pilar yaitu: Graha Internasional refers to 5 (five) pillars, namely:
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision of the Board of Commissioners and
Directors
Fungsi pelaksanaan, pengawasan, serta penerapan APU, The function of implementation, supervision, and
PPT & PPPSPM telah dilakukan oleh pengurus dengan implementation of AML, CTF & PF-WMD has been carried
memberikan rekomendasi terhadap Laporan Triwulan out by the management by providing recommendations on
yang disampaikan oleh Unit Kerja APU PPT. the Quarterly Report submitted by the AML, CTF Work Unit.
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2. Kebijakan dan Prosedur 2. Policies and Procedures
Penerapan program APU, PPT & PPPSPM tertuang The implementation of the AML, CTF & PF-WMD program
dalam Surat Edaran Operasi No. 138.10.2 tanggal is stipulated in Operations Circular No. 138.10.2 dated
23 Desember 2024 tentang Anti Pencucian Uang, December 23, 2024 concerning Anti-Money Laundering,
Pencegahan Pendanaan Terorisme, dan Pencegahan Counter-Terrorism Financing, and Prevention of Financing
Pendanaan Proliferasi Senjata Pemusnah Massal (APU, for the Proliferation of Weapons of Mass Destruction (AML,
PPT & PPPSPM) yang pelaksanaannya terus dilaksanakan CTF & PF-WMD) are implemented in a gradual, consistent,
secara bertahap, konsisten, serta berkesinambungan. and continuous manner.
a. Penomoran Customer Identification File (CIF) nasabah a. Customer Identification File (CIF) numbering with single
dengan menganut single CIF; CIF;
b. Kelengkapan data nasabah baru pada system core b. Completeness of new customer data in the core banking
banking dan pembaruan data nasabah; system and customer data updates;
c. Pengawasan dan monitoring terhadap transaksi c. Supervision and monitoring of customer financial
keuangan nasabah untuk mendeteksi transaksi transactions to detect suspicious financial transactions;
keuangan mencurigakan; dan and
d. Pengawasan dan monitoring nasabah berisiko tinggi d. Supervision and monitoring of high risk customers.
(high risk customer).
3. Pengendalian Internal 3. Internal Control
Pemeriksaan rutin dilaksanakan oleh Internal Audit guna Routine checks are carried out by Internal Audit to see
melihat efektivitas pelaksanaan program APU PPT pada the effectiveness of the implementation of the AML CTF
kantor cabang dan kantor pusat. Hasil pemeriksaan program at branch offices and head office. The examination
disampaikan dalam bentuk Laporan Hasil Pemeriksaan, results are submitted in the form of an Audit Report, where
dimana setiap temuan akan ditindaklanjuti oleh Unit Kerja each finding will be followed up by the AML CTF Work Unit,
APU PPT, unit kerja terkait di Kantor Pusat dan kantor related work units at the Head Office and related branch
cabang terkait. offices.
4. Sistem Informasi Manajemen 4. Management Information System
Bank senantiasa mengembangkan sistem informasi The Bank continues to develop information systems that can
yang dapat mengidentifikasi, menganalisis, memantau, identify, analyze, monitor, and provide reports effectively
dan menyediakan laporan secara efektif dan efisien. and efficiently. The management information system
Sistem informasi manajemen tersebut mengidentifikasi identifies customer characteristics and transaction patterns
karakteristik nasabah dan pola transaksi yang dilakukan to be adjusted to internal and external needs. Currently,
untuk kemudian disesuaikan dengan kebutuhan internal the Bank has a new system called the AML CTF application
maupun eksternal. Saat ini, Bank sudah mempunyai which was implemented in early February 2021.
sistem baru yang disebut aplikasi APU PPT yang telah
diimplementasikan pada awal bulan Februari 2021.
5. Human Capital dan Pelatihan 5. Human Capital and Training
Pelatihan APU, PPT & PPPSPM terus dilakukan secara AML, CTF & PF-WMD training is continuously conducted
berkesinambungan untuk semua karyawan. Sedangkan for all employees. As for employees who deal directly with
untuk karyawan yang berhadapan langsung dengan customers and implementing employees who are directly
nasabah dan karyawan pelaksana yang terkait langsung related to the implementation of Anti-Money Laundering
dengan pelaksanaan penerapan Anti Pencucian Uang and Countering the Financing of Terrorism, routine training
dan Pencegahan Pendanaan Terorisme, pelatihan rutin is carried out in the form of refreshment.
dilakukan dalam bentuk refreshment.
PROGRAM KERJA APU PPT TAHUN 2024 AML CTF WORK PROGRAM IN 2024
1. Menyampaikan laporan terkait APU-PPT (LTKT - Laporan 1. Submitted reports related to AML-CTF (LTKT - Cash
Transaksi Keuangan Tunai, LTKM - Laporan Transaksi Financial Transaction Report, LTKM - Suspicious Financial
Keuangan Mencurigakan, LTKL - Laporan Transaksi Dana Transaction Report, LTKL - Fund Transaction Report from
dari dan ke Luar Negeri) dan Laporan Sipesat kepada and to Overseas) and Sipesat Report to PPATK;
PPATK;
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2. Penilaian risiko TPPU-TPPT berdasarkan Risk Based 2. Conducted Risk assessment of ML-TPPT based on Risk
Approach (RBA); Based Approach (RBA);
3. Pengkinian data nasabah; dan 3. Updated customer data; and
4. Sosialisasi APU, PPT & PPPSPM kepada seluruh karyawan 4. Conducted Socialization of AML, CTF & PF-WMD to all
secara berkelanjutan. employees on an ongoing basis.
PENGEMBANGAN KOMPETENSI TERKAIT COMPETENCY DEVELOPMENT RELATED TO
APU PPT AML CTF
PPATK PPATK
1. Pertemuan Koordinasi Tahun 2024; 1. 2024 Coordination Meeting;
2. Program Mentoring Berbasis Risiko TPPU dan TPPT yang 2. 2024 Risk-Based Mentoring Program on ML/TF Originating
Berasal dari Tindak Pidana Perdagangan Orang dan Pada from Human Trafficking and Financial Technology Crimes;
Teknologi Finansial Tahun 2024;
3. Pertemuan Koordinasi CAT (Colaborative Analisys Team); 3. Coordination Meeting of the Collaborative Analysis Team
(CAT);
4. Pertemuan Koordinasi Tim Kerja Analisis Kolaboratif terkait 4. Coordination Meeting of the Collaborative Analysis
Pemilu dan Pilkada 2024; Working Group Related to the 2024 General and Regional
Elections;
5. Kick Off Penilaian Efektivitas Kinerja PPATK Tahun 2024; 5. Kick-Off for the 2024 PPATK Performance Effectiveness
Assessment;
6. Rapat Koordinasi terkait Data Masking; 6. Coordination Meeting on Data Masking;
7. Launching Pelaksanaan FIR on ML/TF tahun 2024; 7. Launch of the 2024 FIR on ML/TF Implementation;
8. Seminar internasional PPATK dan Unair “Green Financial 8. PPATK and Airlangga University International Seminar on
Crime”; “Green Financial Crime”;
9. Diseminasi Hasil Penilaian Indeks Efektivitas Kinerja PPATK 9. Dissemination of the 2024 PPATK Performance
Tahun 2024; dan Effectiveness Index Assessment Results; and
10. Seminar “Mengantisipasi Tantangan dan Kejahatan Baru 10. Seminar on “Anticipating New Challenges and Crimes in
di Era Ekonomi Digital 5.0”. the Digital Economy 5.0 Era”
OJK OJK
1. Coaching Penyusunan Dokumen Penilaian Risiko TPPU, 1. Coaching on the Preparation of Individual Risk Assessment
TPPT dan/atau PPSPM secara Individu (IRA) oleh OJK; (IRA) Documents for ML/TF and/or Proliferation Financing of
Weapons of Mass Destruction by Financial Service Providers
2. Rapat Dengan Pendapat RPOJK SIPELAKU; 2. Hearing Session on the Draft OJK Regulation (RPOJK) on
SIPELAKU
3. Seminar Kesiapan Penyusunan IRA dan Penguatan 3. Seminar on IRA Preparation Readiness and Strengthening
Indikator TKM bagi PJK; TKM Indicators for Financial Service Providers
4. Sosialisasi terkait Pemanfaatan Nomor Induk Berusaha 4. Socialization on the Use of Business Identification Numbers
(NIB) bagi Pelaku Usaha; (NIB) for Business Actors
5. Webinar Penanganan Kejahatan Siber termasuk Perjudian 5. Webinar on Tackling Cybercrime Including Online Gambling
Daring sebagai Tindak Pidana Asal Tindak Pidana as Predicate Offenses of Money Laundering
Pencucian Uang;
6. Rapat Koordinasi Penyusunan Petunjuk Teknis Pembukaan 6. Coordination Meeting on the Preparation of Technical
& Penutupan Rekening RKDK; Guidelines for Opening & Closing RKDK Accounts
7. How to Prevent Money Laundering and Terrorism Financing; 7. How to Prevent Money Laundering and Terrorism Financing
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Corporate Social Safety Responsibility
8. Bedah Buku Terkait Keamanan Siber; 8. Book Review on Cybersecurity
9. Kelas Literasi OJK : UU Perampasan Aset, Mengapa Harus 9. OJK Literacy Class: Asset Forfeiture Law – Why It Must
Disahkan; dan Be Enacted
10. Sosialisasi SIGAP 2024. 10. 2024 SIGAP Socialization
FKDKP FKDKP
1. Training Identifikasi Transaksi Keuangan Mencurigakan & 1. Training on Identifying Suspicious Financial Transactions &
Penentuan Tindak Pidana Asal; Determining Predicate Crimes;
2. FGD FKDKP - Kesiapan Industri Perbankan dalam 2. FKDKP Focus Group Discussion – Banking Industry
Implementasi UU No. 27 tahun 2022 tentang Pelindungan Readiness in Implementing Law No. 27 of 2022 on
Data Pribadi; dan Personal Data Protection; and
3. Kelengkapan Data guna Analisa dalam Pelaporan goAML 3. Data Completeness for Analysis in goAML Reporting to
kepada PPATK. PPATK.
ADVANCE AI ADVANCE AI
1. Seminar Transformative Role of eKYCP Solutions. 1. Seminar on the Transformative Role of eKYCP Solutions.
ASPI ASPI
1. Diskusi terkait kebijakan dan solusi untuk data transaksi 1. Discussion on policies and solutions for masked transaction
yang masih di-masking; dan data; and
2. Update Pembentukan IASC (Indonesia Anti Scam Centre). 2. Update on the Establishment of the Indonesia Anti-Scam
Centre (IASC)
SISTEM PENGENDALIAN INTERNAL INTERNAL CONTROL SYSTEM
Sistem pengendalian internal merupakan suatu mekanisme The internal control system is a supervisory process mechanism
proses pengawasan yang ditetapkan oleh Bank secara established by the Bank on an ongoing basis and is designed
berkesinambungan dan dirancang untuk dapat memberikan to provide appropriate assurance in achieving such objectives:
keyakinan yang sesuai dengan pencapaian seperti:
1. Pengendalian kegiatan operasional yang efektif dan 1. Effective and efficient control of operational activities;
efisien;
2. Pengendalian keuangan dan keandalan laporan keuangan; 2. Financial control and reliability of financial statements;
3. Ketaatan dan kepatuhan terhadap hukum dan peraturan 3. Adherence and compliance with applicable laws and
perundang-undangan yang berlaku; dan regulations; and
4. Penjagaan terhadap aset. 4. Safeguarding of assets.
Dengan penerapan sistem pengendalian internal, Bank By implementing an internal control system, the Bank strives to
berusaha untuk mengelola risiko-risiko ke tingkat yang dapat manage risks to a tolerable level.
ditoleransi.
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DASAR HUKUM LEGAL BASIS
1. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 1. Financial Services Authorit y Regulation No. 18/
tanggal 16 Maret 2016 tentang Penerapan Manajemen POJK.03/2016 dated March 16, 2016 on the Implementation
Risiko Bagi Bank Umum; of Risk Management for Commercial Banks;
2. Surat Edaran Otoritas Jasa Keuangan No. 34/ 2. Circular Letter of the Financial Services Authority No.
SEOJK.03/2016 tanggal 1 September 2016 tentang 34/SEOJK.03/2016 dated September 1, 2016 on the
Penerapan Manajemen Risiko bagi Bank Umum; dan Implementation of Risk Management for Commercial
Banks; and
3. Surat Edaran Otoritas Jasa Keuangan No. 35/ 3. Circular Letter of the Financial Services Authority No. 35
SEOJK.03/2017 tentang Pedoman Standar Sistem SEOJK.03/2017 concerning Guidelines for Internal Control
Pengendalian Intern bagi Bank Umum. System Standards for Commercial Banks.
KESESUAIAN DENGAN COSO (INTERNAL WITH COSO (INTERNAL CONTROL
CONTROL FRAMEWORK) FRAMEWORK)
Bank Artha Graha Internasional menerapkan sistem Bank Artha Graha Internasional implements an internal
pengendalian internal yang terdiri atas dua aspek penting control system that consists of two important aspects, namely
yaitu pengendalian operasional dan pengendalian keuangan. operational control and financial control. Internal control over
Pengendalian internal atas operasional dan Pelaporan the Bank’s operations and financial reporting is based on the
Keuangan Bank dijalankan berdasarkan acuan internasional international reference of COSO - Internal Control Integrated
COSO - Internal Control Integrated Framework yang meliputi Framework which includes 5 (five) control components, namely:
5 (lima) komponen pengendalian yaitu:
1. Lingkungan Pengendalian; 1. Control Environment;
2. Penilaian Risiko; 2. Risk Assessment;
3. Aktivitas Pengendalian; 3. Control Activities;
4. Informasi dan Komunikasi; dan 4. Information and Communication; and
5. Kegiatan Pemantauan. 5. Monitoring Activities.
SISTEM PENGENDALIAN INTERNAL YANG COMPREHENSIVE INTERNAL CONTROL
MENYELURUH SYSTEM
Sistem Pengendalian Internal yang efektif dan efisien yang An effective and efficient Internal Control System is the
menjadi tanggung jawab keseluruhan unit kerja operasional responsibility of all operational and supporting work units. This
maupun unit kerja pendukung. Pengendalian internal ini internal control is carried out in every front end control activity
dilakukan dalam setiap aktivitas front end control dan harus and must comply with the separation of functions principle (four
mematuhi prinsip pemisalah fungsi (four eyes principle). Berikut eyes principle). The following functions carry out supervision in
fungsi yang menjalankan pengawasan dalam pengendalian internal control:
internal:
1. Sub Direktorat Control untuk pengawasan kepatuhan 1. Sub Directorate Control to supervise compliance with
terhadap ketentuan internal Bank melalui pemeriksaan the Bank’s internal regulations through periodic and daily
operasional secara periodik dan harian dengan penerapan operational checks with the implementation of back end
back end control; control;
2. Direktorat Compliance untuk pengawasan kepatuhan 2. Compliance Directorate to supervise compliance with the
terhadap penerapan ketentuan eksternal yang berlaku application of applicable external regulations to prevent
untuk mencegah terjadinya penyimpangan yang dilakukan irregularities committed by management in determining
oleh manajemen dalam penetapan kebijakan berkaitan policies related to prudential principles;
dengan prinsip kehati-hatian;
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3. Direktorat Risk Management melaksanakan kaji ulang 3. The Risk Management Directorate carries out a phased
secara bertahap dengan menetapkan: review by establishing:
a. Kecukupan kerangka manajemen risiko; a. Adequacy of the risk management framework;
b. Keakuratan metodologi penilaian risiko; dan b. The accuracy of the risk assessment methodology; and
c. Kecukupan sistem informasi manajemen risiko. c. Adequacy of risk management information system.
4. Internal Audit 4. Internal Audit:
a. Melakukan kaji ulang penerapan manajemen risiko a. Conducts periodic reviews of risk management
secara berkala. implementation.
b. Melakukan pemeriksaan sampling secara periodik dan b. Conducts sampling checks periodically and on a risk
berdasarkan basis risiko. basis.
TINJAUAN HASIL E VALUASI SI STEM REVIEW OF INTERNAL CONTROL SYSTEM
PENGENDALIAN INTERNAL EVALUATION RESULTS
Bank Artha Graha Internasional melakukan evaluasi terhadap Bank Artha Graha Internasional evaluates the effectiveness of
efektivitas sistem pengendalian internal dengan memprioritaskan the internal control system by prioritizing the monitoring of
pemantauan risiko utama, termasuk evaluasi secara berkala, key risks, including periodic evaluations, both by operational
baik oleh satuan-satuan kerja operasional maupun Internal work units and Internal Audit, Control, Risk Management,
Audit, Control, Risk Management, dan Compliance. Selanjutnya, and Compliance. Furthermore, the evaluation results are
hasil evaluasi dikomunikasikan dengan Direksi dan dilaporkan communicated with the Board of Directors and reported to
kepada Dewan Komisaris melalui Komite Audit agar diperoleh the Board of Commissioners through the Audit Committee in
rekomendasi perbaikan guna mencapai peningkatan yang order to obtain recommendations for improvement in order to
berkelanjutan dari setiap lini usaha Bank. achieve continuous improvement of each line of business of the
Bank.
TINJAUAN EFEKTIVITAS PENGENDALIAN REVIEW OF INTERNAL CONTROL
INTERNAL EFFECTIVENESS
Bank telah melakukan evaluasi terhadap efektivitas sistem The Bank has evaluated the effectiveness of the internal control
pengendalian internal atas Laporan Keuangan Audited periode system over the Audited Financial Statements for the period
31 Desember 2024. Berdasarkan evaluasi yang dilakukan, of December 31, 2024. Based on the evaluation, the Board of
Komisaris dan Direksi menyimpulkan bahwa hingga 31 Commissioners and Board of Directors concluded that until
Desember 2024, sistem Pengendalian Internal Perseroan December 31, 2024, the Company’s Internal Control system
atas Laporan Keuangan telah berjalan dengan efektif. over the Financial Statements had been running effectively.
PERNYATAAN DIREKSI DAN/ATAU DEWAN STATEMENT OF BOARD OF DIRECTORS AND/
KOMISARIS ATAS KECUKUPAN SISTEM OR BOARD OF COMMISSIONERS ON THE
PENGENDALIAN INTERNAL ADEQUACY OF INTERNAL CONTROL SYSTEM
Direksi berpandangan bahwa penerapan sistem pengendalian The Board of Directors is of the view that the internal control
intern sudah berjalan dengan baik. Dalam pengawasan system has been implemented successfully. In monitoring
terhadap penerapan sistem pengendalian internal, Direksi the implementation of the internal control system, the Board
dibantu oleh Internal Audit yang merupakan Satuan Kerja dalam of Directors is assisted by the Internal Audit Unit, which is a
organisasi Bank. Dalam menjalankan tugasnya, Internal Audit working unit within the Bank’s organization. In performing its
berkomunikasi langsung dengan Dewan Komisaris melalui duties, Internal Audit communicates directly with the Board of
Komite Audit untuk menginformasikan berbagai hal yang Commissioners through the Audit Committee to inform various
berhubungan dengan Aktivitas Internal Audit. matters related to Internal Audit activities.
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PERKARA HUKUM LEGAL CASES
Jumlah
Total
Permasalahan Hukum
Legal Cases
Perdata Pidana PKPU/Pailit
Civil Criminal PKPU/Bankruptcy
Telah Selesai
13 1 5
Resolved
Dalam proses Penyelesaian
32 23 12
In the Settlement Process
Jumlah
45 24 17
Total
PERDATA
No
CIVIL CASE
1 Para Pihak Penggugat/Plaintiff : PT Hayam Wuruk Sakti
Parties Tergugat/Defendant : PT Bank Artha Graha Internasional Tbk
Pokok Perkara Perbuatan Melawan Hukum
Subject Matter Unlawful Act
Status Perkara Gugatan Dicabut
Case Status Lawsuit Withdrawn
Pengaruh Terhadap Kinerja Bank Tidak Signifikan karena telah dilakukan Mitigasi
Effect on Bank Performance Not Significant as Mitigation has been implemented
Saksi Administratif Tidak Ada Sanksi Administratif
Administrative Sanctions No Administrative Sanctions
2 Para Pihak Penggugat/Plaintiff : PT Royal Abadi Dentalindo
Parties Tergugat/Defendant : PT Bank Artha Graha Internasional Tbk
Pokok Perkara Perbuatan Melawan Hukum
Subject Matter Unlawful Act
Status Perkara Gugatan Dicabut
Case Status Lawsuit Withdrawn
Pengaruh Terhadap Kinerja Bank Tidak Signifikan karena telah dilakukan Mitigasi
Effect on Bank Performance Not Significant as Mitigation has been implemented
Saksi Administratif Tidak Ada Sanksi Administratif
Administrative Sanctions No Administrative Sanctions
SANKSI ADMINISTRATIF ADMINISTRATIVE SANCTIONS
Bank mendapatkan sanksi administratif yang tidak signifikan The Bank received insignificant administrative sanctions by
oleh otoritas yang berwenang selama tahun 2024 dalam rangka the authority in 2024 in the context of guidance.
pembinaan.
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Corporate Social Safety Responsibility
AKSES INFORMASI DAN DATA PERUSAHAAN
Access to Company Information and Data
Bank Artha Graha Internasional menyediakan kemudahan akses Bank Artha Graha Internasional provides easy access to
untuk mendapatkan informasi dan data perusahaan bagi para company information and data for both shareholders and the
pemegang saham maupun masyarakat luas. general public.
Informasi yang disajikan beragam terkait dengan produk, jasa, The information presented covers a wide range, including
berita terkini, kinerja bank hingga pengembangan yang sedang products, services, latest news, bank performance, and
dan sudah dilaksanakan, secara terbuka disajikan kepada ongoing and completed developments, all transparently shared
masyarakat dalam bentuk informasi baik itu melalui media with the public through various media, such as print, television,
cetak, televisi ataupun daring seperti website dan media sosial. and online platforms like the website and social media. This
Informasi tersebut disediakan dalam bahasa Indonesia, bahasa information is available in Indonesian, English, and Mandarin,
Inggris, dan bahasa Mandarin dengan berdasarkan prinsip following the principles of transparency/disclosure from Good
transparansi/keterbukaan dari GCG yang dapat diperoleh Corporate Governance (GCG), and can be accessed through
melalui: the following channels:
1. Situs web Bank Artha Graha Internasional: www. 1. Bank Artha Graha Internasional website: www.arthagraha.
arthagraha.com; com;
2. Corporate Secretary; 2. Corporate Secretary;
3. Graha Call: 0800-191-8880; 3. Graha Call: 0800-191-8880;
4. Graha Chat: 0811-191-88880; 4. Graha Chat: 0811-191-88880;
5. Laporan Tahunan dan Laporan Keberlanjutan; 5. Annual Reports and Sustainability Reports;
6. Press release secara berkala pada media cetak maupun 6. Press releases published periodically in print and online
daring; media;
7. Media Sosial: Instagram, Facebook, X, Tiktok, dan Youtube; 7. Social Media: Instagram, Facebook, X, TikTok, and YouTube;
dan
8. Media Gathering, Media Conference dan Press Conference. 8. Media Gatherings, Media Conferences, and Press
Conferences.
SITUS WEB WEBSITE
Situs web resmi Bank adalah www.arthagraha.com yang dapat The official website of the Bank is www.arthagraha.com,
diakses oleh pemegang saham, nasabah, maupun publik secara accessible to shareholders, customers, and the general public.
luas. Para pemangku kepentingan dapat menemukan informasi, Stakeholders can find information such as Annual Reports,
seperti Laporan Tahunan, Laporan Keberlanjutan, Laporan Sustainability Reports, Financial Statements, Vision and Mission,
Keuangan Tahunan, Visi dan Misi, Sejarah, Struktur Organisasi, History, Organizational Structure, Board of Commissioners,
Dewan Komisaris, Direksi, CSSR, Tata Kelola Perusahaan, Board of Directors, CSSR, Corporate Governance, Articles of
Anggaran Dasar, Produk & Layanan, Berita, Karir dan lain- Association, Products & Services, News, Careers, and other
lainnya. relevant details.
MEDIA CETAK PRINT MEDIA
Bank juga menggunakan media cetak untuk mempublikasikan The Bank also utilizes print media to publish important
seluruh kegiatan perusahaan yang perlu diketahui oleh company activities that need to be shared with Shareholders,
Pemegang Saham, Pemangku Kepentingan, dan Publik. Stakeholders, and the Public.
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SIARAN PERS PRESS RELEASE
Siaran pers yang telah dipublikasikan oleh Bank Artha Graha The press releases published by Bank Artha Graha Internasional
Internasional sebanyak 12 (dua belas) siaran pers pada tahun amounted to 12 (twelve) press releases in 2024, which include
2024 yang antara lain berisi: the following:
Tanggal Tempat Siaran Pers
Date Venue Press Release
12 Januari 2024 Jakarta Menabung Berhadiah Logam Mulia dari Bank Artha Graha Internasional
January 12, 2024 Save and Win Precious Metal with Bank Artha Graha Internasional
15 Januari 2024 Jakarta Buka Tabungan di Bank Artha Graha Internasional, Impian Jadi Kenyataan
January 15, 2024 Open a Savings Account at Bank Artha Graha Internasional and Make Your Dreams
Come True
16 Februari 2024 Jakarta Berikan Nilai Tambah, Bank Artha Graha dan Tokio Marine Sepakati Kerja Sama
February 16, 2024 Bancassurance
Adding Value, Bank Artha Graha and Tokio Marine Sign Bancassurance Partnership
3 Maret 2024 Medan Perbanas Mewariskan Bumi Yang Lebih Hijau Untuk Generasi Mendatang
March 3, 2024 Perbanas Leaves a Greener Earth for Future Generations
7 April 2024 Jakarta Bank Artha Graha Internasional dan BAZNAS DKI Bekerjasama untuk Zakat dan
April 7, 2024 Pemberdayaan Disabilitas
Bank Artha Graha Internasional and BAZNAS DKI Collaborate on Zakat and Disability
Empowerment
20 April 2024 Solo Tingkatkan Pelayanan Nasabah, Bank Artha Graha Internasional Resmikan Relokasi
April 20, 2024 Kantor Cabang Solo
Enhancing Customer Service, Bank Artha Graha Internasional Inaugurates Relocated
Solo Branch
4 Juni 2024 Jakarta Bank Artha Graha dan Artha Graha Network Dukung Kemala Run 2024, Berikan
June 4, 2024 Program Menarik
Bank Artha Graha and Artha Graha Network Support Kemala Run 2024 with Exciting
Programs
17 Juni 2024 Jakarta Berbagi Berkah Kurban Bersama Bank Artha Graha Internasional: Kontribusi untuk
June 17, 2024 Kesejahteraan Sosial
Sharing the Blessings of Eid al-Adha with Bank Artha Graha Internasional: A Contribution
to Social Welfare
30 Juni 2024 Denpasar Bank Artha Graha Internasional Dukung Kompetisi Basket 3×3 Terbesar di Bali
June 30, 2024 Bank Artha Graha Internasional Supports Bali’s Largest 3×3 Basketball Competition
27 Agustus 2024 Washington Bank Artha Graha Internasional Hadiri WOW Indonesia Festival 2024 di Washington
August 27, 2024 D.C
Bank Artha Graha Internasional Attends WOW Indonesia Festival 2024 in Washington,
D.C.
10 September 2024 Jakarta HUT ke-51, Bank Artha Graha Internasional Selaraskan Inovasi dan Sinergi Menuju
September 10, 2024 Prestasi Terbaik
Celebrating 51st Anniversary, Bank Artha Graha Internasional Aligns Innovation and
Synergy Toward Excellence
6 Oktober 2024 Jakarta Peoplefest Sebagai Momentum Penerapan Digitalisasi Perbankan Bank Artha Graha
October 6, 2024 Internasional
Peoplefest as a Milestone in Digital Banking Implementation by Bank Artha Graha
Internasional
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PUBLIC EXPOSE PUBLIC EXPOSE
Komitmen keterbukaan informasi juga diwujudkan dengan The commitment to transparency is also manifested in the annual
penyelenggaraan paparan publik (public expose) setiap tahun. public expose. In 2024, the Bank held its Public Expose on
Pada tahun 2024, Bank menyelenggarakan Public Expose pada June 26, 2024, where the material presentation was delivered
tanggal 26 Juni 2024 dengan penyajian materi disampaikan by Mr. Indrastomo Nugroho as the Director, Mrs. Susana as the
oleh Bapak Indrastomo Nugroho selaku Direktur, Ibu Susana Chief Financial Officer, and Mr. Elvin Halim as the Corporate
selaku Chief Financial Officer, dan Bapak Elvin Halim selaku Secretary of the Company. The event was attended by various
Corporate Secretary Perseroan dan dihadiri oleh beragam groups, including members of the Board of Commissioners,
kalangan diantaranya jajaran Dewan Komisaris, Direksi, dan the Board of Directors, shareholders of the Bank, as well as
Pemegang Saham Bank, serta wartawan/media pers. journalists and media representatives.
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TRANSPARANSI KONDISI KEUANGAN DAN
NON-KEUANGAN PERUSAHAAN
Transparency of Company’s Financial and Non-Financial Conditions
Bank menaati ketentuan terkait kewajiban penyajian informasi The Bank complies with the provisions related to the obligation
secara terbuka dalam situs web Bank dan sistem Pelaporan OJK to publicly disclose information on the Bank’s website and
terkait kondisi keuangan dan non keuangan kepada pemangku OJK Reporting system regarding financial and non-financial
kepentingan dan Otoritas Jasa Keuangan sebagai berikut: conditions to stakeholders and the Financial Services Authority
as follows:
Transparansi Kondisi Keuangan Transparansi Kondisi Non-Keuangan
Transparency of Financial Conditions Transparency of Non-Financial Conditions
Laporan Bulanan mencakup: Laporan Bulanan mencakup:
• Laporan keuangan ringkas secara individu • Laporan Suku Bunga Dasar Kredit (SBDK); dan
Monthly Reports including: • Laporan Kepemilikan Saham.
• Individual summarized financial statements Monthly Reports including:
• Credit Interest Rate Report (SBDK); and
• Share Ownership Report.
Laporan Triwulan di antaranya mencakup: Laporan Triwulan di antaranya mencakup:
• Laporan Keuangan Ringkas Secara Individu dan Konsolidasi; • Informasi Susunan Pengurus dan Pemegang Saham; dan
• Kinerja Keuangan; • Informasi Tata Kelola.
• Laporan Exposure dan Permodalan; dan The Quarterly Report includes, among others:
• Laporan Perhitungan Rasio Pengungkit. • Information on the Management and Shareholder Composition;
Quarterly Reports including: and
• Individual and Consolidated Condensed Financial Statements; • Information on Governance.
• Financial Performance;
• Exposure and Capital Report; and
• Leverage Ratio Report.
Laporan Tahunan mencakup: Laporan Tahunan mencakup:
• Laporan Keuangan Audited • Informasi Susunan Pengurus dan Pemegang Saham
• Laporan Tahunan Emiten atau Perusahaan Publik; dan • Pengungkapan Kuantitatif mengenai Struktur Permodalan dan
• Laporan Keberlanjutan Emiten atau Perusahaan Publik. Kecukupan Permodalan; dan
The Annual Report includes: • Pengungkapan Pendekatan Manajemen Risiko Bank.
• Audited Financial Statements; The Annual Report includes:
• Annual Report of the Issuer or Public Company; and • Information on the Composition of the Board and Shareholders;
• Sustainability Report of the Issuer or Public Company. • Quantitative Disclosure on Capital Structure and Capital
Adequacy; and
• Disclosure of the Bank’s Risk Management Approach.
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PEMBERIAN DANA UNTUK KEGIATAN SOSIAL
DAN/ATAU POLITIK
Provision of Funds for Social and/or Political Activities
Bank menjamin dan menghargai hak pengurus dan pegawai The Bank upholds and respects the rights of its management
Bank untuk menggunakan hak-hak politiknya sesuai dengan and employees to exercise their political rights in accordance
ketentuan Peraturan Perundang-undangan yang berlaku, akan with applicable laws and regulations; however, the Bank
tetapi Bank melarang keterlibatan Bank termasuk karyawan prohibits any involvement of the Bank, including its employees,
untuk berkegiatan politik, termasuk memberikan dana untuk in political activities, including the provision of funds for political
kepentingan politik. Sikap dan perilaku dalam pelayanan keluar purposes. Attitudes and behavior in both external and internal
dan kedalam sangatlah menentukan dan berdampak luas services are crucial and have a broad impact on maintaining
terhadap citra yang baik dan terhormat. Dalam menyampaikan a good and respectable image. When expressing opinions on
pendapat terkait isu sosial dan kenegaraan kepada publik, social and national issues to the public, either verbally or in
baik secara lisan maupun tertulis, karyawan wajib memastikan writing, employees must ensure that such opinions represent
bahwa opini tersebut merupakan pandangan pribadi dan tidak their personal views and do not create the perception that
menimbulkan persepsi bahwa pernyataan tersebut berasal dari the statements originate from or represent the Bank. This
atau mewakili Bank. Kebijakan ini diterapkan guna menjaga policy is implemented to preserve the independence and
independensi dan profesionalisme Bank dan karyawan. professionalism of both the Bank and its employees.
Bank Artha Graha Internasional aktif berkontribusi untuk Bank Artha Graha Internasional actively contributes to social
kegiatan sosial/Corporate Social Safety Responsibility (CSSR), activities/Corporate Social Safety Responsibility (CSSR),
literasi keuangan dan inklusi keuangan untuk meningkatkan financial literacy, and financial inclusion to enhance community
kesejahteraan masyarakat dan perbaikan kondisi lingkungan welfare and improve environmental conditions, while also
hidup serta memberikan citra baik perusahaan di mata fostering a positive corporate image in the eyes of the public.
masyarakat. Bank juga berkolaborasi dengan berbagai The Bank also collaborates with various stakeholders, including
pemangku kepentingan, termasuk pemerintah, dan komunitas the government and local communities, to ensure that the
lokal, guna memastikan bahwa program yang dijalankan programs implemented have a real and sustainable impact.
berdampak nyata dan berkelanjutan. Terkait hal tersebut Further details on this matter can be found in the Environmental
dapat secara lengkap dilihat pada bab Tanggung Jawab Sosial Social Responsibility (TJSL) chapter of this Annual Report.
Lingkungan (TJSL) di dalam buku Laporan Tahunan ini.
PENYEDIAAN DANA KEPADA PIHAK TERKAIT PROVISION OF FUNDS TO RELATED PARTIES
Sebagai Bank yang menjunjung prinsip kehati-hatian As a Bank that upholds the prudential principle in business
dalam pengelolaan usaha, Bank Artha Graha Internasional management, Bank Artha Graha Internasional is guided by
berpedoman kepada Peraturan Otoritas Jasa Keuangan No. Financial Services Authority Regulation No. 32/POJK.03/2018
32/POJK.03/2018 tanggal 26 Desember 2018 tentang Batas dated December 26, 2018 concerning the Legal Lending Limit
Maksimum Pemberian Kredit (BMPK) dan Penyediaan Dana (BMPK) and the Provision of Large Exposures for Commercial
Besar Bagi Bank Umum sebagaimana telah diubah dengan Banks, as amended by Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan No. 38/POJK.03/2019 No. 38/POJK.03/2019 dated December 19, 2019, in making
tanggal 19 Desember 2019 dalam mengambil keputusan terkait decisions related to fund provision to related parties and large
pemberian dana kepada pihak terkait dan dana besar. exposures.
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Jumlah
Total
Penyediaan Dana Debitur
Provision of Funds Debtor
Penyediaan Dana (Jutaan Rupiah) Realisasi (Jutaan Rupiah)
Provision of Funds (Million Rupiah) Realization (Million Rupiah)
Kepada Debitur Terkait 7 513.374 330.376
To Related Debtors
Kepada Debitur Inti 20 7.814.458 7.060.030
To Main Debtor
a. Individu 16 5.740.693 5.353.972
a. Individual
b. Kelompok 4 2.073.765 1.706.058
b. Group
Jumlah
27 8.327.832 7.390.406
Total
Kredit (Jutaan Rupiah)
Loans (Million Rupiah)
Kredit Produktif 8.264.969
Productive Kredit
Kredit Konsumtif 2.340.510
Consumtive Kredit
Jumlah
10.605.479
Total
PELANGGARAN (FRAUD) INTERNAL INTERNAL FRAUD
Bank Artha Graha Internasional berupaya melakukan berbagai Bank Artha Graha Internasional strives to implement various
pencegahan terhadap kemungkinan terjadinya internal fraud preventive measures against the potential occurrence of internal
yang dilakukan oleh seluruh insan perusahaan. Langkah ini fraud committed by all individuals within the company. This
ditempuh guna mengurangi penyimpangan internal (Internal initiative is undertaken to minimize internal misconduct (Internal
Fraud) yang dilakukan oleh anggota Dewan Komisaris dan Fraud) involving members of the Board of Commissioners and
Direksi, pegawai tetap, pegawai tidak tetap (honorer) dan tenaga Board of Directors, permanent employees, non-permanent
kerja alih daya (outsourcing) yang berpotensi memengaruhi (contract) employees, and outsourced personnel, which could
kondisi kinerja perusahaan. potentially impact the company’s performance.
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Tabel berikut menjelaskan penyimpangan/kecurangan terkait The following table describes irregularities/fraud related to the
proses kerja dan kegiatan operasional Bank pada tahun 2024: Bank’s work processes and operational activities in 2024:
Anggota Dewan Komisaris Pegawai Tidak Tetap dan
dan Direksi Pegawai Tetap Tenaga Kerja Alih Daya
Members of the Board of Permanent Employees Contract Employees and
Commissioners and Directors Outsourced Labor
Uraian
Description
Tahun Tahun Tahun Tahun
Tahun Tahun
Sebelumnya Berjalan Sebelumnya Sebelumnya
Berjalan Berjalan
Previous Current Previous Previous
Current Year Current Year
Year Year Year Year
Total Fraud - - 1 - 1 -
Total Fraud
Telah Diselesaikan - - 1 - 1 -
Resolved
Dalam Proses Penyelesaian - - - - - -
Internal Bank
In the Process of Internal
Settlement
Belum Diupayakan - - - - - -
Penyelesaian
Settlement Not Yet Attempted
Telah Ditindaklanjuti Melalui - - 1 - 1 -
Proses Hukum
Followed Up Through Legal
Process
KODE ETIK CODE OF CONDUCT
Kode Etik (Code of Conduct) merupakan pedoman perilaku The Code of Conduct serves as a behavioral guideline for all
Jajaran Bank Artha Graha Internasional dalam menjalankan levels of Bank Artha Graha Internasional in carrying out their
tugas dan kedinasan sehari-hari serta dalam melakukan daily duties and responsibilities, as well as in conducting
hubungan bisnis dengan para nasabah, rekanan maupun business relationships with customers, partners, and colleagues.
rekan sekerja.
Kode Etik mengatur tentang pedoman perilaku yang berkaitan The Code of Conduct outlines behavioral guidelines related to
dengan Benturan Kepentingan, Kerahasiaan, Penyalahgunaan Conflicts of Interest, Confidentiality, Abuse of Position, Insider
Jabatan, Perilaku Insiders Trading, Integritas dan Akurasi Data Trading Behavior, Data Integrity and Accuracy, as well as the
Bank serta Integritas Sistem Perbankan, dijelaskan sebagai Integrity of the Banking System, as described below.
berikut.
MAKSUD DAN TUJUAN PURPOSE AND OBJECTIVES
Tujuan dan maksud dari penetapan kode etik Bank Artha Graha The purpose and objective of establishing the Code of Conduct
Internasional yaitu: of Bank Artha Graha Internasional are as follows:
1. Memberikan pemahaman akan prinsip-prinsip GCG dalam 1. To provide an understanding of the principles of Good
budaya perusahaan yang dinyatakan dalam etika dan Corporate Governance (GCG) within the corporate culture,
perilaku bisnis yang sesuai visi dan misi Bank; as expressed through ethical standards and business
conduct that align with the Bank’s vision and mission;
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2. Mendorong seluruh insan Bank Artha Graha Internasional 2. To encourage all personnel of Bank Artha Graha
berperilaku sesuai prinsip-prinsip GCG dan nilai-nilai Internasional to behave in accordance with the principles
budaya perusahaan; of GCG and the Bank’s corporate values;
3. Mencegah terjadinya penyimpangan atau fraud yang 3. To prevent irregularities or fraud that could pose a risk to
berisiko terhadap reputasi Bank; the Bank’s reputation;
4. Menjaga komitmen dalam melaksanakan visi dan misi 4. To uphold the commitment to implementing the Bank’s
Bank sesuai dengan nilai-nilai budaya dalam etika dan vision and mission in line with the corporate values
perilaku bisnis; embodied in ethical standards and business conduct;
5. Menjaga citra Bank di mata masyarakat melalui kinerja 5. To maintain the Bank’s public image through sound
Bank yang baik dengan memperhatikan perilaku dan etika performance, emphasizing ethical and sustainable business
berbisnis yang sehat dan berkesinambungan; practices;
6. Memberikan pedoman dalam pengelolaan benturan 6. To provide guidance for managing conflicts of interest and
kepentingan dan pengendalian gratifikasi; dan controlling gratuities; and
7. Menjaga hubungan dengan pihak eksternal yang harmonis 7. To foster harmonious and mutually beneficial relationships
dan saling menguntungkan. with external parties.
POKOK-POKOK KODE ETIK CODE OF CONDUCT PRINCIPLES
Etika Bisnis Business Ethics
1. Tidak membocorkan atau menyampaikan dengan cara 1. Employees shall not disclose or convey, in any form, any
apa pun semua informasi yang diketahui oleh karyawan information regarding Bank Artha Graha Internasional or
mengenai Bank Artha Graha Internasional maupun its customers to third parties (other individuals, customers,
nasabahnya kepada pihak ketiga (orang lain, nasabah, friends, or family);
kawan, atau keluarga);
2. Pada waktu jam kerja dan terlebih lagi sesudah jam kerja, 2. During working hours and especially after working
karyawan wajib menjaga semua data dan informasi yang hours, employees are required to safeguard all data and
menjadi wewenangnya, antara lain buku catatan, buku information within their authority, including notebooks,
data, laporan, dan lain-lain, serta tidak membiarkan data books, reports, and others. Employees must ensure
data dan informasi tersebut di tempat terbuka, sehingga that such data and information are not left in open spaces
dengan mudah bisa dilihat atau dibaca oleh orang lain; where they could be easily viewed or read by others;
3. Bila karyawan berhenti bekerja dari Bank Artha Graha 3. When an employee leaves Bank Artha Graha Internasional,
Internasional, karyawan wajib menyerahkan semua catatan they are required to return all records, data, documents,
data, dokumen, buku pedoman, dan surat-surat milik Bank guidelines, and letters belonging to the Bank to their
Artha Graha Internasional kepada atasan langsung; dan immediate supervisor; and
4. Meskipun karyawan sudah berhenti dari Bank Artha 4. Even after leaving Bank Artha Graha Internasional,
Graha Internasional, karyawan wajib untuk tetap menjaga employees must continue to maintain the confidentiality
rahasia Bank Artha Graha Internasional dan nasabah yang of the Bank and customer information they have learned
diketahui oleh karyawan tersebut pada pihak lain. during their tenure, and not disclose it to any third party.
Etika Kerja Work Ethics
1. Karyawan tidak dibenarkan mempunyai ikatan kerja lain, 1. Employees are not permitted to have any other employment,
baik secara langsung maupun tidak langsung dengan either directly or indirectly, with any business entity or
badan usaha atau usaha perorangan; individual business;
2. Dalam hubungan dengan nasabah atau relasi, setiap 2. In dealings with customers or relations, employees are not
karyawan tidak dibenarkan menerima hadiah, berupa allowed to accept gifts, either in the form of goods or money,
barang dan uang yang dapat mengakibatkan berkurangnya that could compromise the objectivity of the employee in
keobjektifan karyawan dalam mempertimbangkan considering the interests expected from the gift. In cases
kepentingan yang diharapkan dari pemberian barang where an employee feels obligated to accept a gift and it
tersebut. Dalam hal karyawan terpaksa menerima
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pemberian dan sulit sekali menolaknya, maka karyawan is difficult to refuse, the employee must report the matter
yang bersangkutan, melalui atasannya, wajib melaporkan to the Board of Directors through their supervisor to find
hal tersebut kepada Direksi untuk dicarikan jalan keluar the best solution;
yang sebaik- baiknya;
3. Pada prinsipnya, setiap karyawan menyadari sepenuhnya 3. In principle, every employee fully understands that the
bahwa Bank tidak membenarkan seorang atau lebih Bank does not permit any family member of an employee
anggota keluarga karyawan bekerja pada satu Bank yang to work at the same Bank;
sama;
4. Setiap karyawan harus mempunyai kesadaran untuk tidak 4. Every employee must be aware of the need to avoid
melakukan tindakan tercela, seperti memalsukan dokumen disgraceful acts such as falsifying documents and signatures,
dan tanda tangan, memberikan keterangan yang tidak benar providing false information to superiors or the Bank, and
kepada atasan atau Bank, serta tindakan ketidakjujuran other forms of dishonesty that could harm or damage the
lainnya yang dapat merugikan dan merusak nama Bank, Bank’s reputation, either directly or indirectly; and
baik secara langsung maupun tidak langsung; dan
5. Setiap karyawan harus menyadari bahwa setiap pelanggaran 5. Every employee must recognize that any violation or action
atau melakukan hal yang menyangkut ketidakjujuran atas involving dishonesty in relation to the above provisions is
ketentuan tersebut di atas, sudah merupakan alasan yang a strong reason for the Bank to take disciplinary action,
kuat bagi karyawan untuk menerima tindakan yang akan including termination of employment and even referring
diambil oleh Bank, antara lain pemutusan hubungan kerja, the matter to the relevant authorities, even if the employee
dan bahkan melanjutkan pemrosesan perkaranya kepada no longer has an employment relationship with the Bank.
pihak berwenang, walaupun sudah tidak mempunyai
hubungan kerja sekalipun.
PENGUNGKAPAN KEPATUHAN COMPLIANCE DISCLOSURE
Kepatuhan pada hukum dan peraturan perundang-undangan Compliance with laws and regulations is a business conduct
merupakan tuntutan perilaku bisnis dan norma-norma yang requirement and a societal norm that must be adhered to by
berlaku di masyarakat yang wajib dilaksanakan oleh seluruh all the management and employees of the Bank, in alignment
pengurus dan pegawai Bank sejalan dengan prinsip Good with the principles of Good Corporate Governance (GCG), as a
Corporate Governance (GCG) adalah sebagai perwujudan manifestation of the Bank’s vision and mission.
visi dan misi Bank.
SOSIALISASI DAN PENYEBARLUASAN KODE SOCIALIZATION AND DISSEMINATION OF
ETIK CODE OF CONDUCT
Bank Artha Graha Internasional melakukan sosialisasi kode Bank Artha Graha Internasional conducts the socialization of
etik kepada seluruh insan Bank dan pihak yang terkait tanpa the code of ethics to all individuals within the Bank and related
terkecuali, baik di dalam Bank maupun yang berkaitan langsung parties, both within the Bank and those directly associated with
dengan bisnis perusahaan. the company’s business.
Program sosialisasi tersebut dilakukan dengan: The socialization program is carried out by:
1. Menyampaikan kepada seluruh karyawan dan Direksi 1. Communicating to all employees and the Board of Directors
Bank melalui e-mail administrator; via the email administrator;
2. Menyampaikan pada saat penandatanganan Perjanjian 2. Communicating during the signing of the Collective Labor
Bank Kerja Bersama yang dilakukan antara calon karyawan Agreement between prospective employees and the Bank’s
dengan manajemen Bank; management;
3. Melakukan pengawasan di setiap unit kerja; dan 3. Monitoring each work unit; and
4. Menandatangani surat pernyataan Pakta Integritas untuk 4. Signing the Integrity Pact statement to adhere to business
menaati etika bisnis. ethics.
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JENIS SANKSI DAN PELANGGARAN TYPES OF SANCTIONS AND VIOLATIONS
Kedisiplinan Pencapaian tujuan Bank Artha Graha Internasional Discipline in achieving the goals of Bank Artha Graha
memerlukan partisipasi segenap insan Bank yang disiplin, cekatan Internasional requires the participation of all employees who
dan terampil dalam melaksanakan pekerjaan ditopang oleh are disciplined, quick, and skilled in performing their tasks,
manajemen yang mampu mengimplementasikan kedisiplinan supported by management capable of implementing discipline in
untuk pengambilan keputusan, penempatan rencana atau dasar decision-making, setting plans, or policies, especially concerning
kebijakan khususnya menyangkut perilaku kedisiplinan seperti, disciplinary behavior such as negligence at work, tardiness, work
kelalaian dalam bekerja, keterlambatan kerja, kehadiran kerja dan attendance, and employee attendance rates. This is not just
tingkat kehadiran karyawan. Hal tersebut bukan hanya sekedar about fulfilling requirements, but leadership must also enforce
melengkapi, tetapi pimpinan juga harus dapat menegakkan rules to achieve organizational goals.
peraturan dalam pencapaian tujuan organisasi.
Dengan kata lain, mengatur, mengoordinasi, serta menerapkan In other words, it involves regulating, coordinating, and
peraturan yang tegas dalam praktik yang sama terhadap implementing strict rules in the same practice towards
bawahan dan memberikan sanksi yang tegas pada karyawan subordinates and imposing strict sanctions on employees who
yang telah melanggar peraturan yang dibuat. Pelanggaran violate the established regulations. Violations of work rules can
peraturan kerja dapat terjadi di mana saja, termasuk di Bank occur anywhere, including at Bank Artha Graha Internasional.
Artha Graha Internasional.
Jumlah Pelanggaran Kode Etik Tahun 2024 Number of Code of Conduct Violations in 2024
Selama periode tahun 2024 Bank Artha Graha Internasional During the 2024 period, Bank Artha Graha Internasional
memberikan sanksi terkait pelanggaran Kode Etik kepada 1 (satu) imposed sanctions related to violations of the Code of Ethics on
orang karyawan atas penyalahgunaan wewenang jabatan dalam 1 (one) employee for the abuse of authority in their position by
bekerja dengan menerima fee/uang dari nasabah. accepting a fee/money from a customer.
`
SISTEM PELAPORAN PELANGGARAN WHISTLEBLOWING SYSTEM
Bank Artha Graha Internasional memiliki mekanisme Bank Artha Graha Internasional has a Whistleblowing System
Whistleblowing System (WBS) yang merupakan salah satu (WBS) mechanism which is one of the components of the
komponen Pilar Deteksi dalam Strategi Anti Fraud Bank Artha Detection Pillar in the Bank Artha Graha International Anti-Fraud
Graha Internasional. WBS sebagai saluran komunikasi yang Strategy. The WBS is a communication channel that facilitates
memfasilitasi pelapor (whistleblower) baik internal maupun whistleblowers, both internal and external, to report indications
eksternal untuk melaporkan indikasi pelanggaran terkait of violations related to fraud, policy violations, bribery/money
dengan tindakan fraud, pelanggar kebijakan, penyuapan/pinjam lending with customers, theft/embezzlement, financial statement
meminjam uang dengan customer, pencurian/penggelapan, fraud, illegal activities and other violations of the code of ethics
kecurangan laporan keuangan, aktivitas ilegal dan pelanggaran involving Bank Artha Graha Internasional employees and/or with
kode etik lainnya yang melibatkan karyawan Bank Artha Graha related parties with the confidentiality of the reporter’s identity.
Internasional dan/atau dengan pihak-pihak terkait yang terjaga
kerahasiaan identitas pelapornya.
Through an effective early detection function, the Bank can
Dengan fungsi deteksi dini yang efektif, Bank dapat mengetahui recognize indications of fraud more quickly, so that mitigation
indikasi terjadinya fraud dengan lebih cepat, sehingga langkah steps to prevent the risk from continuing can be taken
mitigasi agar risiko tidak berlanjut dapat segera dilakukan. immediately. Complaints that have strong indications are
Pengaduan yang terindikasi kuat ditindaklanjuti melalui proses followed up with an investigation process to determine the
investigasi untuk mengetahui penyebab, modus operandi, dan cause, modus operandi, and perpetrators of fraud in order to
pelaku fraud guna menentukan tindaklanjut yang dilakukan determine what follow-up actions can be taken both financially
baik secara finansial maupun non-finansial bagi Bank Artha and non-financially for Bank Artha Graha Internasional.
Graha Internasional.
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KEBIJAKAN WHISTLEBLOWING SYSTEM WHISTLEBLOWING SYSTEM POLICY
Bank Artha Graha Internasional mengatur kebijakan Bank Artha Graha Internasional regulates the whistleblowing
Whistleblowing System sebagaimana yang telah diatur dalam system policy as stipulated in the Corporate Policy Guidelines
Pedoman Kebijakan Perusahaan tentang Strategi Anti Fraud, on Anti-Fraud Strategy, Submission of Violation and Fraud
Penyampaian Laporan Pelanggaran dan Fraud. Reports.
TUJUAN WHISTLEBLOWING SYSTEM PURPOSE OF WHISTLEBLOWING SYSTEM
1. Mendeteksi dini dan mencegah terjadinya penyimpangan 1. To detect early and prevent deviations or violations within
ataupun pelanggaran di lingkungan Bank Artha Graha the environment of Bank Artha Graha Internasional; and
Internasional; dan
2. Menciptakan iklim kerja yang sehat, terbuka, tulus, jujur, 2. To create a healthy, open, sincere, honest, and responsible
dan bertanggung jawab di lingkungan Bank. working climate within the Bank.
JENIS PELANGGARAN TYPE OF VIOLATION
Bentuk pelanggaran yang dapat dilaporkan dan akan Forms of violations that can be reported and will be followed
ditindaklanjuti oleh Sub Direktorat Anti Fraud Bank Artha Graha up by the Anti-Fraud Sub Directorate of Bank Artha Graha
Internasional yaitu: Internasional include:
1. Korupsi; 1. Cheating;
2. Penyalahgunaan Aset; 2. Fraud;
3. Kecurangan Laporan Keuangan; 3. Asset Embezzlement;
4. Penipuan; 4. Information Leakage;
5. Pembocoran Informasi Rahasia; dan 5. Banking Crimes; and
6. Tindakan lain yang dapat dipersamakan dengan fraud 6. Other actions that can be equated with fraud.
sesuai dengan ketentuan peraturan perundang-undangan.
MEDIA PELAPORAN REPORTING MEDIA
Sub Direktorat Anti Fraud - Direktorat Internal Audit menerima The Anti-Fraud Sub-Directorate - Internal Audit Directorate
laporan pelanggaran dan fraud mengacu kepada Pedoman receives reports of violations and fraud in accordance with
Kebijakan Perusahaan tentang Strategi Anti Fraud. Pelaporan the Company’s Policy Guidelines on Anti-Fraud Strategy. This
ini dapat disampaikan melalui: report can be submitted through:
Surat: Letter:
Sub Direktorat Anti Fraud, Gedung Bank Artha Graha Lt. 3 Anti-Fraud Sub Directorate, Bank Artha Graha Building
Jl. Kopi No. 2, Jakarta Barat, 11230 3rd floor, Jl. Kopi No. 2, West Jakarta, 11230
E-mail: E-mail:
antifraud@ag.co.id antifraud@ag.co.id
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Mekanisme Penyampaian Laporan Pelanggaran Mechanism for Submitting Violation Reports
Pelaksana Uraian Dokumen Keterangan
Implementor Description Document Remark
Melaporkan pelanggaran Bukti/dokumen lengkap
Pelapor melalui Whistleblowing pelanggaran Bukti/dokumen atau informasi
Whistleblower Reporting violations via Complete evidence/documents pelanggaran, minimal:
Whistleblowing of violaton • Identitas pelapor (anonim);
• Informasi pelanggaran;
• Pelaku dan pihak terlibat;
• Perkiraan kerugian terjadi;
Petugas Anti Fraud Menerima laporan pelanggaran Hasil identifikasi awal dan
Anti Fraud Officer Receiving whistleblowing report Initial identification • Tempat dan waktu kejadian.
Evidence/documents or
information of violation,
Melakukan
Petugas Anti Fraud Hasil identifikasi awal at least:
identifikasi awal
• Whistleblower’s identity
Anti Fraud Officer Carrying out initial Initial identification
(anonymous);
identification
• Information about violation;
• Suspect and implicated
Menyusun rekomendasi parties;
Petugas Anti Fraud hasil identifikasi awal • Estimated damage; and
• Place and time of incident.
Anti Fraud Officer Developing recommendations
for initial identification
Executive Officer Anti Fraud Memeriksa dan menandatangani rekomendasi hasil identifikasi awal
Anti Fraud Executive Officer Checking and signing the recommendation
for initial identification result
Perubahan
Changes Keputusan identifikasi awal,
Deputy Director yakni:
• Dihentikan, jika tidak
Deputy Director memenuhi persyaratan
Surat Tugas identifikasi awal; dan
Assignment Letter • Dilanjutkan ke tahap
Menerima dan memutuskan investigasi, sesuai dengan
tindak lanjut pengaduan
Accepting and deciding the
follow up action Initial identification decision, i.e.:
Hasil identifikasi awal • Dropped, if it is not eligible
Initial identification for initial identification; and
• Proceeded to investigation
stage, based on the
complaint
Investigasi Keputusan Dihentikan
Investigation Decision Dropped
Tim AF
AF Team
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
PIHAK YANG MENGELOLA PENGADUAN PARTIES MANAGING COMPLAINTS
Sub Direktorat Anti Fraud adalah pihak yang bertanggung The Anti-Fraud Sub Directorate is the party responsible for
jawab dalam mengelola Whistleblowing System Bank Artha managing the Whistleblowing System of Bank Artha Graha
Graha Internasional. Internasional.
PERLINDUNGAN BAGI WHISTLEBLOWER WHISTLEBLOWER PROTECTION
Bank Artha Graha Internasional akan memberikan perlindungan Bank Artha Graha Internasional will provide protection to
terhadap pelapor atas laporan yang terbukti kebenarannya whistleblowers for substantiated reports which include:
yang meliputi:
1. Jaminan kerahasiaan identitas pelapor dan isi laporan 1. Guaranteeing the confidentiality of the reporter’s identity
yang disampaikan; and the contents of the report submitted;
2. Jaminan perlindungan terhadap perlakuan yang 2. Guaranteeing protection against adverse treatment of
merugikan pelapor; dan whistleblowers; and
3. Jaminan perlindungan dari kemungkinan adanya tindakan 3. Guaranteeing protection from possible threats, intimidation,
ancaman, intimidasi, hukuman ataupun tindakan tidak punishment or other unpleasant actions from the reported
menyenangkan lainnya dari pihak terlapor. party.
PENANGANAN PENGADUAN COMPLAINT HANDLING
Bank Artha Graha Internasional menetapkan tahapan Bank Artha Graha Internasional has established the following
penanganan pengaduan yang diterima yang terdiri dari: stages for handling complaints received:
1. Menindaklanjuti informasi atas dugaan tindakan fraud; 1. Following up on information regarding suspected fraudulent
acts;
2. Mengumpulkan semua bukti-bukti terkait dengan kejadian 2. Gathering all relevant evidence related to the alleged
yang patut diduga kemudian dilakukan verifikasi; incident and conducting verification;
3. Melakukan identifikasi awal, serta menyusun rekomendasi 3. Conducting an initial identification and preparing
atas hasil identifikasi tersebut; recommendations based on the findings;
4. Memberikan keputusan tindak lanjut, jika terindikasi fraud, 4. Determining follow-up actions-if fraud is indicated, a
maka dilakukan pemeriksaan secara menyeluruh; comprehensive investigation will be conducted;
5. Mengidentifikasi kelemahan dan penyebab terjadinya 5. Identifying weaknesses and the root causes of the fraud,
fraud, serta menentukan langkah selanjutnya, salah satu and determining further actions, including strengthening
diantaranya adalah memperkuat sistem pengendalian the Bank’s internal control system; and
internal Bank; dan
6. Membuat laporan kepada Direktur Utama dengan 6. Preparing a report addressed to the President Director with
tembusan kepada Dewan Komisaris. a copy to the Board of Commissioners.
SOSIALISASI WHISTLEBLOWING SYSTEM SOCIALIZATION OF WHISTLEBLOWING
SYSTEM
Sosialisasi anti fraud dilakukan oleh Sub Direktorat Anti Anti-fraud socialization is carried out by the Anti-Fraud Sub-
Fraud ke seluruh kantor cabang/kantor cabang pembantu Directorate to all branches and sub-branches of Bank Artha
Bank Artha Graha Internasional, termasuk pada karyawan Graha Internasional, including outsourcing employees (drivers,
outsourcing (driver, office boy, dan security) dalam rangka office boys, and security personnel), to effectively implement
mengefektifkan penerapan Whistleblowing System Bank Artha the Bank’s Whistleblowing System.
Graha Internasional.
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JUMLAH PENGADUAN YANG MASUK DAN NUMBER OF COMPLAINTS RECEIVED AND
DIPROSES PADA TAHUN BUKU TERAKHIR PROCESSED IN THE LAST FINANCIAL YEAR
Sepanjang tahun 2024, tidak terdapat pelaporan dugaan fraud In 2024, there were no reports of suspected fraud submitted
yang disampaikan melalui mekanisme Whistleblowing System through the Bank Artha Graha Internasional whistleblowing
Bank Artha Graha Internasional. system mechanism.
SANKSI/TINDAK LANJUT ATAS PENGADUAN SANCTIONS/FOLLOW-UP ON COMPLAINTS
YANG TELAH SELESAI DIPROSES PADA TAHUN THAT HAVE BEEN PROCESSED IN THE
BUKU FINANCIAL YEAR
Selama tahun 2024, Bank Artha Graha Internasional tidak In 2024, Bank Artha Graha Internasional did not receive any
menerima pengaduan pelanggaran. Namun apabila terdapat complaints of violations. However, if there is an incoming
pengaduan pelanggaran yang masuk dan setelah diinvestigasi violation complaint and after investigation it is proven to be
terbukti sebagai pelanggaran maka dikenakan sanksi sesuai a violation, sanctions will be imposed in accordance with
dengan peraturan yang berlaku. applicable regulations.
LAPORAN PELAKSANAAN TATA KELOLA INTEGRATED GOVERNANCE IMPLEMENTATION
TERINTEGRASI REPORT
Bank Artha Graha Internasional belum mempunyai Entitas As of 2024, Bank Artha Graha Internasional does not have
Anak atau keterkaitan kepemilikan dan/atau pengendalian any subsidiaries or ownership and/or control relationships with
dengan perusahaan lain di bidang jasa keuangan sampai tahun other companies in the financial services sector. Referring
2024 dan jika merujuk pada POJK 30 Tahun 2024 tanggal to POJK 30 of 2024, dated December 19, 2024, regarding
19 Desember 2024 tentang Konglomerasi Keuangan dan Financial Conglomerates and Parent Companies of Financial
Perusahaan Induk Konglomerasi Keuangan disebutkan kriteria Conglomerates, the criteria for a financial conglomerate includes
konglomerasi keuangan memiliki total aset LJK Konglomerasai having total assets of at least IDR100,000,000,000,000 (one
Keuangan paling sedikit Rp100.000.000.000.000,00 (seratus hundred trillion rupiah) for the financial services entity or at least
triliun rupiah); dan paling sedikit berjumlah 2 (dua) LJK pada two financial services entities in two different sectors within the
2 (dua) sektor yang berbeda di Konglomerasi Keuangan Financial Conglomerate. Alternatively, a conglomerate with
atau total aset LJK Konglomerasi Keuangan paling sedikit total assets of at least IDR20,000,000,000,000 (twenty trillion
Rp20.000.000.000.000,00 (dua puluh triliun rupiah) sampai rupiah) but less than IDR100,000,000,000,000 (one hundred
dengan kurang dari Rp100.000.000.000.000,00 (seratus trillion rupiah) must have at least 3 (three) financial services
triliun rupiah) dan paling sedikit berjumlah 3 (tiga) LJK pada entities across three different sectors. Based on these criteria,
3 (tiga) sektor yang berbeda di Konglomerasi Keuangan. the Bank is not obligated to implement integrated governance.
Dengan kriteria tersebut, Bank belum memiliki kewajiban dalam
menerapkan tata kelola terintegrasi.
PEMENUHAN PENYAMPAIAN LAPORAN FULFILLMENT OF 2024 SUSTAINABILITY
KEBERLANJUTAN 2024 REPORT SUBMISSION
Bank Artha Graha Internasional telah menyampaikan Laporan Bank Artha Graha Internasional has submitted a Sustainability
Keberlanjutan sebagaimana yang diatur dalam POJK No. 51/ Report as stipulated in POJK No. 51/POJK.03/2017 on the
POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan Implementation of Sustainable Finance for Financial Services
bagi Lembaga Jasa Keuangan, Emiten dan Perusahaan Institutions, Issuers and Public Companies. For the fiscal year
Publik. Untuk tahun buku 2024, Bank menyampaikan Laporan 2024, the Bank submits the Sustainability Report in a separate
Keberlanjutan dalam buku yang terpisah dari Laporan Tahunan book from the Annual Report but remains an integral part of
namun tetap menjadi bagian yang tak terpisahkan dari Laporan this Annual Report.
Tahunan ini.
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Corporate Social Safety Responsibility
PENGUNGKAPAN KEPEMILIKAN SAHAM DISCLOSURE OF SHARE OWNERSHIP OF
ANGGOTA DIREKSI DAN ANGGOTA DEWAN MEMBERS OF BOARD OF DIRECTORS AND
KOMISARIS COMMISSIONERS
Kebijakan Pengungkapan Kepemilikan Saham Share Ownership Disclosure Policy
Perseroan dalam menjalankan tata kelola perusahaan The Company is committed to complying with applicable
berkomitmen memenuhi ketentuan peraturan yang berlaku regulations in its corporate governance practices, including
termasuk terkait kebijakan pengungkapan kepemilikan saham the policy on the disclosure of share ownership by members of
anggota Direksi dan anggota Dewan Komisaris paling lambat the Board of Directors and the Board of Commissioners. This
5 (lima) hari kerja setelah terjadinya kepemilikan atau setiap disclosure must be made no later than 5 (five) business days
perubahan kepemilikan atas saham Perusahaan Terbuka. after the acquisition or any change in ownership of the shares of
Dalam hal ini Perseroan berkomitmen memenuhi Peraturan the Public Company. In this regard, the Company is committed
Otoritas Jasa Keuangan No. 4 tahun 2024 tentang Laporan to adhering to the Financial Services Authority Regulation No. 4
Kepemilikan atau Setiap Perubahan Kepemilikan Saham of 2024 concerning the Report on Ownership or Any Change
Perusahaan Terbuka dan Laporan Aktivitas Menjaminkan Saham in Ownership of Shares of a Public Company and the Report on
Perusahaan Terbuka. the Activity of Pledging Shares of a Public Company.
IMPLEMENTASI KEBIJAKAN PENGUNGKAPAN IMPLEMENTATION OF SHARE OWNERSHIP
KEPEMILIKAN SAHAM DISCLOSURE POLICY
Komitmen pengungkapan kepemilikan saham anggota Direksi The commitment to disclose the ownership of shares
dan anggota Dewan Komisaris paling lambat 5 (lima) hari by members of the Board of Directors and the Board of
kerja setelah terjadinya kepemilikan atau setiap perubahan Commissioners no later than 5 (five) business days after the
kepemilikan diwujudkan dengan menyampaikan perubahan acquisition or any change in ownership is realized by submitting
atas kepemilikan tersebut kepada Otoritas Jasa Keuangan the changes in ownership to the Financial Services Authority
(OJK) dan Bursa Efek Indonesia yang mencantumkan informasi (OJK) and the Indonesia Stock Exchange (IDX), which must
di antaranya: include the following information:
1. Identitas anggota Direksi atau anggota Dewan Komisaris; 1. Identity of the member of the Board of Directors or Board
of Commissioners;
2. Nama saham Perusahaan Terbuka; 2. Name of the public company’s shares;
3. Jumlah saham dan persentase sebelum transaksi; 3. Number of shares and percentage before the transaction;
4. Jumlah saham dan persentase setelah transaksi; 4. Number of shares and percentage after the transaction;
5. Jenis transaksi yang dilakukan; 5. Type of transaction conducted;
6. Jumlah saham dibeli, dijual, dan dialihkan; 6. Number of shares bought, sold, or transferred;
7. Keterangan mengenai klasifikasi saham; 7. Classification of shares;
8. Harga pembelian atau penjualan per saham, jika 8. Purchase or sale price per share, if the change in ownership
perubahan kepemilikan merupakan akibat dari adanya results from a transaction involving payment;
transaksi pembayaran;
9. Tanggal transaksi; 9. Transaction date;
10. Tujuan dari transaksi; 10. Purpose of the transaction;
11. Status kepemilikan Saham; 11. Status of share ownership;
12. Informasi mengenai pemegang saham yang tercatat 12. Information on the shareholder recorded in the shareholder
di daftar pemegang saham Perusahaan Terbuka untuk register of the public company for the benefit of the
kepentingan pemilik manfaat, jika terdapat kepemilikan beneficial owner, if there is indirect shareholding;
saham secara tidak langsung;
13. Nama pemegang saham yang memberikan kuasa untuk 13. Name of the shareholder who authorized the report and
melaporkan dan keterangan bahwa pelaporan tersebut a statement that the reporting is based on the power of
merupakan kuasa yang diberikan untuk dirinya, jika laporan attorney given to the reporting individual, if the share
kepemilikan saham dikuasakan; dan ownership report is authorized; and
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14. Informasi mengenai rincian anggota kelompok yan 14. Information on the details of the members of an organized
terorganisasi, jika merupakan laporan kepemilikan saham group, if the report concerns share ownership by an
oleh kelompok yang terorganisir. organized group.
KEBIJAKAN PEMBERIAN KOMPENSASI PROVISION OF LONG-TERM PERFORMANCE-
JANGKA PANJANG BERBASIS KINERJA BASED COMPENSATION TO MANAGEMENT
KEPADA MANAJEMEN DAN/ATAU KARYAWAN AND/OR EMPLOYEES
Sampai dengan periode yang berakhir pada tanggal 31 As of the period ending on December 31, 2024, the Bank
Desember 2024, Bank belum pernah melaksanakan kebijakan has not implemented any long-term performance-based
pemberian kompensasi jangka panjang berbasis kinerja kepada compensation policies for management and/or employees of
manajemen dan/atau karyawan yang dimiliki oleh Emiten atau the issuer or public company (if any), such as a Management
Perusahaan Publik (jika ada), antara lain berupa program Stock Ownership Program (MSOP) and/or an Employee Stock
kepemilikan saham oleh manajemen (Management Stock Ownership Program (ESOP). Therefore, the company does
Ownership Program/MSOP) dan/atau program kepemilikan not have a policy related to stock ownership programs for
saham oleh karyawan (Employee Stock Ownership Program/ management and/or employees.
ESOP). Oleh karena itu, Perseroan tidak memiliki kebijakan
terkait program kepemilikan saham oleh manajemen dan/
atau karyawan.
KEBIJAKAN ANTI FRAUD ANTI-FRAUD POLICY
Bank telah memiliki dan memberlakukan kebijakan anti The Bank has an anti-fraud policy as contained in the Anti-
fraud sebagaimana dimuat dalam Pedoman Anti Fraud No. Fraud Guidelines No. 00001.03.0 dated October 30, 2024
00001.03.0 tanggal 30 Oktober 2024 tentang Pedoman concerning Guidelines for Implementing Anti-Fraud Strategies
Penerapan Strategi Anti Fraud yang disosialisasikan secara which are familiarized regularly to all branch offices so that they
berkala kepada seluruh karyawan agar dapat dilaksanakan can be implemented consistently.
secara konsisten.
Kebijakan anti fraud bermanfaat untuk memastikan agar Anti-fraud policies are useful to ensure that the business
kegiatan usaha perusahaan terbuka dilakukan secara legal, activities of public companies are carried out legally, prudently,
prudent, dan sesuai dengan prinsip-prinsip tata kelola yang and in accordance with the principles of good governance. The
baik. Kebijakan tersebut dapat merupakan bagian dalam kode policy can be part of the code of ethics, or in a separate form.
etik, ataupun dalam bentuk tersendiri. Kebijakan tersebut antara The policy may include programs and procedures to address
lain dapat meliputi program dan prosedur yang dilakukan dalam corruption, kickbacks, fraud, bribery and/or gratuities within
mengatasi praktik korupsi, balas jasa (kickbacks), fraud, suap the public company. The scope of the policy illustrates the
dan/atau gratifikasi dalam perusahaan terbuka. Lingkup dari prevention of public companies against all corrupt practices,
kebijakan tersebut menggambarkan pencegahan perusahaan both giving and receiving from other parties.
terbuka terhadap segala praktik korupsi, baik memberi maupun
menerima dari pihak lain.
KEBIJAKAN PENGADAAN BARANG DAN JASA GOODS AND SERVICES PROCUREMENT POLICY
Bank melakukan seleksi pemasok atau vendor untuk memastikan The Bank selects suppliers or vendors to ensure that the
agar perusahaan terbuka memperoleh barang atau jasa yang company obtains the necessary goods or services at competitive
diperlukan dengan harga yang kompetitif dan kualitas yang baik. prices and good quality. Meanwhile, enhancing the capabilities
Sedangkan, peningkatan kemampuan pemasok atau vendor of suppliers or vendors is beneficial to ensure that the supply
bermanfaat untuk memastikan bahwa rantai pasokan (supply chain runs efficiently and effectively. The ability of suppliers or
chain) berjalan dengan efisien dan efektif. Kemampuan pemasok vendors to supply/fulfill the goods or services required by the
atau vendor dalam memasok/memenuhi barang atau jasa yang Bank will affect the quality of the Bank’s output.
dibutuhkan Bank akan memengaruhi kualitas output Bank.
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Corporate Social Safety Responsibility
Pelaksanaannya dapat menjamin kontinuitas pasokan, This implementation can ensure continuity of supply, both in
baik dari segi kuantitas maupun kualitas yang dibutuhkan terms of quantity and quality needed by the company. This
perusahaan terbuka. Cakupan ini meliputi kriteria dalam coverage includes criteria in the selection of suppliers or
pemilihan pemasok atau vendor, mekanisme pengadaan vendors, transparent procurement mechanisms, efforts to
yang transparan, upaya peningkatan kemampuan pemasok improve the capabilities of suppliers or vendors, and fulfillment
atau vendor, dan pemenuhan hak-hak yang berkaitan dengan of rights relating to suppliers or vendors, as well as the use of
pemasok atau vendor, serta penggunaan rekening Bank Artha Bank Artha Graha Internasional accounts for vendor payments
Graha Internasional untuk pembayaran vendor sebagaimana as stipulated in Operations Circular No. 194.02.0.
diatur dalam Surat Edaran Operasi No. 194.02.0.
PEMBELIAN KEMBALI SAHAM DAN/ATAU REPURCHASE OF BANK SHARES AND/OR
OBLIGASI BANK BONDS
Sepanjang tahun 2024, Bank Artha Graha Internasional tidak Throughout 2024, Bank Artha Graha Internasional did not
menyelenggarakan pembelian kembali saham dan/atau obligasi repurchase any shares and/or bonds of the Bank.
Bank.
TRANSAKSI AFILIASI DAN BENTURAN RELATED PARTY TRANSACTIONS AND
KEPENTINGAN CONFLICTS OF INTEREST
Pengungkapan transaksi afiliasi dan benturan kepentingan Disclosure of affiliated transactions and conflicts of interest is an
adalah upaya pemenuhan terhadap Peraturan Otoritas Jasa effort to comply with the Financial Services Authority Regulation
Keuangan No. 42/POJK.04/2020 Tentang Transaksi Afiliasi No. 42/POJK.04/2020 concerning Affiliated Transactions and
dan Transaksi Benturan Kepentingan. Conflict of Interest Transactions.
Sepanjang tahun 2024 tidak terdapat transaksi afiliasi yang Throughout 2024, there were no affiliated transactions that
telah dilaksanakan Bank sesuai dengan Peraturan Otoritas were carried out by the Bank in accordance with the above
Jasa Keuangan di atas. Financial Services Authority Regulation.
Dalam hal terjadi benturan kepentingan antara Bank dan In the event of a conflict of interest between the Bank and
pemilik Bank, anggota Direksi, anggota Dewan Komisaris, its owners, members of the Board of Directors, members of
Pejabat Eksekutif dan/atau pihak lain yang terkait dengan Bank the Board of Commissioners, Executive Officers and/or other
maka anggota Direksi, anggota Dewan Komisaris, dan Pejabat parties related to the Bank, members of the Board of Directors,
Eksekutif dilarang mengambil tindakan yang dapat merugikan members of the Board of Commissioners, and Executive
atau mengurangi keuntungan Bank. Officers are prohibited from taking actions that may harm or
reduce the Bank’s profits.
Pengungkapan mengenai transaksi yang mengandung Disclosure of transactions containing conflicts of interest, at
benturan kepentingan, paling sedikit mencakup nama dan least includes the name and position of the party with a conflict
jabatan pihak yang memiliki benturan kepentingan, nama dan of interest, the name and position of the decision maker of
jabatan pengambil keputusan transaksi yang mengandung the transaction containing the conflict of interest, the type of
benturan kepentingan, jenis transaksi, nilai transaksi, dan transaction, the transaction value, and a description. In 2024,
keterangan. Selama tahun 2024, Bank tidak memiliki transaksi the Bank did not have any transactions containing Conflict of
yang mengandung Benturan Kepentingan. Interest.
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RENCANA KORPORASI BANK BANK CORPORATE PLAN
Rencana Korporasi Bank disusun sebagai upaya untuk The Bank’s Corporate Plan was prepared to address business
menjawab tantangan bisnis dalam 7 tahun mendatang (2023- challenges in the next 7 years (2023-2029). The Corporate
2029). Rencana Korporasi selaras dengan Rencana Bisnis Plan is in line with the Bank’s Business Plan (RBB) for 2024-
Bank (RBB) tahun 2024 - 2026. Rencana Korporasi dilakukan 2026. The Corporate Plan was carried out by re-analyzing
dengan menganalisis kembali kondisi perekonomian dan economic conditions and banking developments amidst
perkembangan perbankan ditengah-tengah ketidakpastian political uncertainty and instability in the world economic
politik dan ketidakstabilan iklim perekonomian dunia. Peluang climate. Opportunities for the banking industry to drive
bagi industri perbankan untuk mendorong pertumbuhan the Bank’s business growth are still open by applying the
bisnis Bank masih terbuka dengan menerapkan prinsip precautionary principle in the funding and lending expansion
kehati-hatian dalam strategi aggressiveness ekspansi funding aggressiveness strategy tailored to the strengths of Bank
dan lending yang disesuaikan dengan kekuatan Bank Artha Artha Graha Internasional. Moreover, the digital era requires
Graha Internasional. Terlebih lagi, Era digital menuntut Bank Bank Artha Graha Internasional to be able to adjust faster,
Artha Graha Internasional untuk dapat menyesuaikan diri prepare infrastructure (both IT systems and Human Capital
lebih cepat, mempersiapkan infrastruktur (baik infrastruktur IT infrastructure) and business strategies to be able to maintain
sistem maupun Human Capital) serta strategi bisnis untuk dapat business continuity in the midst of rapid changes.
mempertahankan kesinambungan bisnis di tengah perubahan
yang begitu cepat.
Bank Artha Graha Internasional akan bergerak menjadi Hybrid Bank Artha Graha Internasional will move to become a Hybrid
Bank yang memadukan antara bisnis model Brick and Mortar Bank that combines the Brick and Mortar business model with
dengan digital banking. Bank Artha Graha Internasional akan digital banking. Bank Artha Graha Internasional will provide
menyediakan One Stop Solution Banking Services untuk One Stop Solution Banking Services for customers. This
nasabah. Strategi ini mendukung pergerakan era digital serta strategy supports the movement of the digital era as well as
peluang bonus demografi negara Indonesia yang akan mulai the opportunity of Indonesia’s demographic bonus which will
tampak pada tahun 2025. Tentu serangkaian milestone telah begin to emerge in 2025. A series of milestones have been
dirumuskan Bank Artha Graha Internasional untuk menjalankan formulated by Bank Artha Graha Internasional to execute this
strategi besar tersebut. grand strategy.
Fokus utama Bank Artha Graha Internasional adalah penguatan The main focus of Bank Artha Graha Internasional is the internal
internal serta pembangunan infrastruktur IT dan Human Capital, strengthening and development of IT infrastructure and Human
dimana diharapkan peningkatan infrastruktur IT yang akan Capital, which is expected to improve IT infrastructure that
dikelola dengan baik oleh corporate talent yang memiliki will be well managed by corporate talents who have reliable
kompetensi handal di Era Digital. Milestone tersebut telah competencies in the Digital Age. These milestones have
digambarkan dalam peta strategi level korporasi Bank Artha been depicted in Bank Artha Graha Internasional’s corporate
Graha Internasional sebagai bentuk penerjemahan strategi level strategy map as a form of strategy translation that can
yang dapat dilaksanakan. Bank Artha Graha Internasional be implemented. Bank Artha Graha Internasional views the
memandang lingkungan bisnis dan era digital yang bergerak business environment and the fast-moving digital era as not an
begitu cepat bukanlah menjadi hambatan namun justru waktu obstacle but rather the right time to be utilized in carrying out
yang tepat untuk dimanfaatkan dalam melakukan transformasi a digital transformation that excels in the Bank Group based on
digital yang unggul dipersaingan Kelompok Bank berdasarkan Tier I Capital (KBMI) competition and is even able to grow into
Modal Inti (KBMI) I bahkan mampu bertumbuh menjadi KBMI KBMI II in 2029.
II tahun 2029.
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Corporate Social Safety Responsibility
INTEGRITAS PELAPORAN DAN SISTEM INTEGRITY OF REPORTING AND INFORMATION
TEKNOLOGI INFORMASI TECHNOLOGY SYSTEMS
Bank melaksanakan transparansi kondisi keuangan dan non The Bank implements transparency of financial and
keuangan kepada Pemangku Kepentingan melalui laporan nonfinancial conditions to Stakeholders through reports
yang disusun sesuai dengan tata cara, jenis, dan cakupan prepared in accordance with the procedures, types, and scope
sesuai dengan Peraturan Otoritas Jasa Keuangan mengenai in accordance with the Financial Services Authority Regulation
transparansi dan publikasi laporan bank. regarding transparency and publication of bank reports.
Berikut publikasi kondisi keuangan dan non keuangan Bank The following is the publication of the Bank’s financial and non-
selama periode Tahun 2024 yang disampaikan ke publik financial conditions during the 2024 period submitted to the
baik melalui media cetak atau situs perusahaan https://www. public either through print media or the company’s website
arthagraha.com/ https://www.arthagraha.com/
1. Laporan Keuangan Bulanan 1. Monthly Financial Report
Bank telah menyusun dan menyampaikan Laporan The Bank has prepared and submitted Monthly Financial
Keuangan Bulanan kepada regulator serta telah Reports to the regulator and has been published on the
dipublikasikan pada website Bank. Bank’s website.
2. Laporan Keuangan Triwulanan 2. Quarterly Financial Report
Bank telah menyusun dan menyampaikan Laporan The Bank has prepared and submitted Quarterly Financial
Keuangan Triwulan kepada regulator sesuai dengan Reports to the regulator in accordance with the provisions
ketentuan serta telah dipublikasikan melalui website. and has been published through the website.
3. Laporan Tahunan dan Laporan Keberlanjutan 3. Annual Report and Sustainability Report
Bank telah menyusun dan menyampaikan Laporan The Bank has prepared and submitted the Annual Report
Tahunan dan Laporan Keberlanjutan kepada regulator to the regulator and has been published through the Bank’s
serta telah dipublikasikan melalui website resmi Bank. official website.
4. Laporan dan Informasi Lainnya 4. Reports and Other Information
Bank juga telah menyusun laporan-laporan publikasi The Bank has also prepared other publication reports
lainnya yang diwajibkan oleh regulator, meliputi Laporan required by the regulator, including the Governance
Tata Kelola, Laporan Eksposur Risiko dan Permodalan, Report, Sustainability Report, Risk Exposure and Capital
informasi produk dan penggunaan data nasabah, informasi Report, product information and use of customer data,
jaringan kantor, informasi penyampaian dan penanganan office network information, information on the submission
pengaduan, informasi atau fakta material serta informasi- and handling of complaints, information or material facts
informasi lainnya yang diwajibkan. and other required information.
Selain itu, Bank juga telah menyusun dan menyampaikan In addition, the Bank has also compiled and submitted reports
laporan-laporan yang diwajibkan oleh regulator (Otoritas required by regulators (Financial Services Authority, Bank
Jasa Keuangan, Bank Indonesia, PPATK dan regulator lainnya) Indonesia, PPATK and other regulators) in accordance with
sesuai dengan ketentuan dan batas waktu yang ditetapkan the provisions and deadlines set forth in the external provisions
dalam ketentuan eksternal masing-masing regulator. Bank of each regulator. The Bank has ensured that all reports
telah memastikan bahwa seluruh penyusunan laporan- to regulators are supported by an adequate management
laporan kepada regulator telah didukung oleh sistem informasi information system to improve the quality of the decision-
manajemen yang memadai untuk meningkatkan kualitas proses making process by the Board of Directors and the quality of the
pengambilan keputusan oleh Direksi dan kualitas proses supervisory process by the Board of Commissioners.
pengawasan oleh Dewan Komisaris.
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
STRATEGI ANTI FRAUD, ANTI PENYUAPAN, A N T I - F R A U D , A N T I - B R I B E R Y, A N D
DAN GRATIFIKASI GRATIFICATION STRATEGY
Bank memiliki kebijakan anti fraud yang merupakan bagian dari The Bank has an anti-fraud policy, which is part of the
sistem pengendalian internal Bank dalam membangun budaya Bank’s internal control system, aimed at fostering a culture of
kepatuhan dan menciptakan kesadaran risiko (risk awareness) compliance and raising risk awareness regarding the potential
atas potensi risiko fraud dan konsekuensi yang dapat timbul, risk of fraud and its possible consequences. This policy is
hal tersebut sesuai dengan POJK No. 12 Tahun 2024, perihal in line with OJK Regulation No. 12 of 2024 regarding the
Penerapan Strategi Anti Fraud bagi Lembaga Jasa Keuangan, Implementation of Anti-Fraud Strategies for Financial Services
dimana Bank telah melaksanakan fungsi penerapan strategi Institutions, wherein the Bank has implemented the anti-fraud
anti fraud secara bank-wide. strategy function on a bank-wide basis.
Seluruh insan Bank, mulai dari Dewan Komisaris, Direksi dan All Bank personnel, starting from the Board of Commissioners,
seluruh karyawan tanpa terkecuali, diwajibkan untuk bertindak Board of Directors and all employees without exception, are
secara jujur, profesional, menjunjung tinggi integritas dan required to act honestly, professionally, uphold integrity and
secara proaktif melindungi serta menjaga aset Bank, nasabah proactively protect and safeguard the Bank’s assets, customers
dan stakeholder lainnya sesuai dengan ketentuan yang berlaku and other stakeholders in accordance with applicable internal
baik internal maupun eksternal. Sebagai bentuk pengawasan and external regulations. As a form of active supervision of
aktif Direksi dan Dewan Komisaris terhadap pengendalian fraud, the Board of Directors and Board of Commissioners on fraud
Bank Artha Graha Internasional melaksanakan kode etik oleh control, Bank Artha Graha Internasional implements a code of
seluruh jajaran organisasi Bank. conduct by all levels of the Bank’s organization.
Kode Etik (Code of Conduct) disusun sebagai pedoman The Code of Conduct is a guideline for the behavior of the
berperilaku berdasarkan nilai dan pertimbangan integritas, Bank’s ranks in carrying out daily duties and official duties as
kesadaran diri dan profesionalisme, reputasi Bank, keluarga well as in conducting business relationships with customers,
dan pribadi. Kode Etik merupakan pedoman perilaku Jajaran partners and colleagues. The Code of Conduct is prepared as
Bank dalam menjalankan tugas dan kedinasan sehari-hari serta a guideline for behavior based on values and considerations
melakukan hubungan bisnis dengan para nasabah, rekanan of integrity, self-awareness and professionalism, the Bank’s
maupun rekan sekerja. reputation, family and personal.
PENERAPAN ATAS PEDOMAN TATA KELOLA IMPLEMENTATION OF PUBLIC COMPANY
PERUSAHAAN TERBUKA GOVERNANCE GUIDELINES
Roadmap GCG yang diterbitkan Otoritas Jasa Keuangan The GCG Roadmap issued by the Financial Services Authority
(OJK) pada tahun 2014 memiliki dampak yang besar bagi (OJK) in 2014 had a major impact on the development of
perkembangan GCG di lingkungan dunia usaha. Penekanan GCG in the business world. The emphasis on transparency,
pada transparansi, akuntabilitas, dan penyampaian informasi accountability, and fair information disclosure is a discussion
yang wajar menjadi bahasan yang dapat menjadi pegangan that can be a guide for business entities, especially for public
bagi entitas usaha, khususnya bagi perusahaan terbuka. companies. Similarly, the rights of shareholders without
Demikian pula dengan hak pemegang saham tanpa terkecuali, exception, especially minority shareholders, must be a concern
khususnya pemegang saham minoritas yang harus menjadi of issuers or public companies.
perhatian dari emiten atau perusahaan terbuka.
Secara umum, Bank sebagai perusahaan terbuka telah In general, the Bank as a public company has implemented all
melaksanakan seluruh peraturan yang dikeluarkan OJK, regulations issued by OJK, and will continue to strive to make
dan akan terus berupaya melakukan perbaikan untuk improvements to create added value for shareholders and
menciptakan nilai tambah bagi pemegang saham dan stakeholders. In particular, the guidelines for Public Company
pemangku kepentingan. Khususnya terkait pedoman Tata Governance are regulated under OJK Regulation No. 21/
Kelola Perusahaan Terbuka yang diatur berdasarkan Peraturan POJK.04/2015 dated November 16, 2015 on the Implementation
OJK No. 21/POJK.04/2015 tanggal 16 November 2015 tentang of Public Company Governance Guidelines, which is
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Corporate Social Safety Responsibility
Penerapan Pedoman Tata Kelola Perusahaan Terbuka, yang elaborated in OJK Circular Letter No. 32/SEOJK.04/2015
dijabarkan dalam Surat Edaran OJK No. 32/SEOJK.04/2015 dated November 17, 2015 on Public Company Governance
tanggal 17 November 2015 tentang Pedoman Tata Kelola Guidelines. The guidelines, which contain aspects, principles
Perusahaan Terbuka. Pedoman tersebut yang memuat aspek, and recommendations of good corporate governance, are
prinsip dan rekomendasi tata kelola perusahaan yang baik useful to encourage the implementation of GCG practices in
berguna untuk mendorong penerapan praktik GCG sesuai accordance with exemplary international practices for public
dengan praktik internasional yang patut diteladani perusahaan companies. The Bank is required to implement the guideline,
terbuka. Bank wajib menerapkan pedoman tersebut, dan jika and if it has not implemented it, the Bank is required to explain
belum menerapkannya, Bank wajib menjelaskan alasan tidak the reasons for not implementing the guideline. Disclosure of
diterapkannya pedoman tersebut. Pengungkapan penerapan the implementation of the recommendations in the guidelines is
atas rekomendasi dalam pedoman tersebut disampaikan dalam submitted in the annual report of the public company.
laporan tahunan perusahaan terbuka.
Berdasarkan Surat Edaran OJK No. 32/SEOJK.04/2015 sebagai Based on OJK Circular Letter No. 32/SEOJK.04/2015, the
standar penerapan GCG yang mencakup 5 (lima) aspek, 8 standard of GCG implementation includes 5 (five) aspects, 8
(delapan) prinsip dan 25 rekomendasi penerapan aspek dan (eight) principles and 25 recommendations for implementing
prinsip GCG. Rekomendasi penerapan aspek dan prinsip GCG aspects and principles. Recommendations for the
GCG dalam Pedoman Tata Kelola adalah standar penerapan implementation of GCG aspects and principles in the Corporate
aspek dan prinsip GCG yang harus diterapkan Bank. Ikhtisar Governance Guidelines are standards for the implementation
kepatuhan Bank terhadap Peraturan dan Surat Edaran OJK of GCG aspects and principles that must be implemented
tentang Pedoman Tata Kelola Perusahaan Terbuka dapat dilihat by the Bank. An overview of the Bank’s compliance with the
pada tabel di bawah ini. OJK Regulations and Circular Letters on Public Company
Governance Guidelines is presented in the table below.
Kesesuaian Perkembangan Penerapan GCG di Lingkup Bank Compliance of GCG Implementation within the Bank with OJK
dengan Surat Edaran OJK No. 32/SEOJK.04/2015 tentang Circular Letter No. 32/SEOJK.04/2015 concerning Guidelines
Pedoman Tata Kelola Perusahaan Terbuka. for Public Company Governance.
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Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
I Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam menjamin hak-hak Pemegang Saham.
Aspect 1: Public Company's relationship with Shareholders in guaranteeing the rights of Shareholders.
Prinsip 1 Meningkatkan 1. Perusahaan Terbuka Bank telah memiliki prosedur penyelenggaraan RUPS yang telah Terpenuhi
Nilai Penyelenggaraan memiliki cara atau memuat prosedur teknis pengumpulan suara (voting), baik secara Fulfilled
RUPS prosedur teknis terbuka maupun tertutup yang mengedepankan independensi
Principle 1 Improving pengumpulan suara dan kepentingan Pemegang Saham. Keputusan diambil
the Implementation (voting) baik secara berdasarkan musyawarah untuk mufakat. Dalam hal keputusan
Value of GMS terbuka maupun musyawarah untuk mufakat tidak tercapai, maka keputusan
tertutup yang diambil dengan pemungutan suara berdasarkan suara setuju
mengedepankan lebih dari 1/2 (satu per dua) bagian dari jumlah seluruh saham
independensi, dengan hak suara yang hadir dalam RUPS.
dan kepentingan The Bank has a procedure for organizing the GMS that includes
pemegang saham. technical procedures for voting, both open and closed, which
1. The Public Company prioritizes the independence and interests of Shareholders.
has a technical Decisions are made based on deliberation for consensus. In the
voting procedure event that deliberation to reach a consensus cannot be achieved,
either open or the resolutions shall be adopted by voting based on the affirmative
closed that promotes votes of more than 1/2 (one-half) of the total number of shares with
independence voting rights present in the GMS.
and the interest of
shareholders.
2. Seluruh anggota RUPS Tahunan yang dilaksanakan pada tanggal 26 Juni 2024 Dipenuhi
Direksi dan dihadiri oleh 5 (lima) anggota Direksi dan 3 (tiga) Anggota Dewan sebagian
sebagian anggota Komisaris Independen dengan jumlah kehadiran anggota Dewan Partially
Dewan Komisaris Komisaris sebesar 60 persen dan anggota Direksi sebesar 100 fulfilled
Perusahaan Terbuka persen.
hadir dalam RUPS The Annual General Meeting of Shareholders (RUPS) held on
Tahunan. June 26, 2024, was attended by 5 (five) members of the Board
2. All members of the of Directors and 3 (three) Independent Commissioners, with the
Board of Directors attendance rate of the Board of Commissioners at 60 percent and
and the Board of the attendance rate of the Board of Directors at 100 percent.
Commissioners are
present at the Annual
GMS.
3. Ringkasan risalah Bank telah membuat ringkasan risalah RUPS dalam bahasa Terpenuhi
RUPS tersedia Indonesia dan bahasa Inggris yang telah diumumkan 2 (dua) Fulfilled
dalam Situs Web hari kerja setelah RUPS diselenggarakan melalui website Bursa
Perusahaan Terbuka Efek Indonesia (www.idx.co.id) , dan website Bank dalam bahasa
paling sedikit selama Indonesia dan bahasa Inggris, pada menu Hubungan Investor
1 (satu) tahun. bagian RUPS http://www.arthagraha.com/hubungan investor/
3. Summary of GMS RUPS/risalah-rapat- umum pemegang-saham-rups
minutes is available The Bank has prepared a summary of the GMS minutes in
on the Public Indonesian and English which has been announced 2 (two) working
Company’s website days after the GMS is held through the Indonesia Stock Exchange
at least for 1 (one) website (www.idx.co.id), and the Bank's website in Indonesian and
year. English, on the Investor Relations menu of the GMS section http://
www.arthagraha.com/hubungan -investor/GMS/risalah-rapat-
umumpememegang-saham-rups
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Corporate Social Safety Responsibility
Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
Prinsip 2 4. Perusahaan Terbuka Bank memiliki Pedoman Kebijakan Perusahaan No. 0021.01.0 Terpenuhi
Meningkatkan memiliki suatu tanggal 8 Agustus 2014 tentang Media Komunikasi. Berdasarkan Fulfilled
Kualitas Komunikasi kebijakan komunikasi pedoman tersebut, Bank menyediakan sarana media eksternal
Perusahaan Terbuka dengan pemegang yang dapat dimanfaatkan untuk menjalin hubungan dengan
dengan Pemegang saham atau investor. Pemangku Kepentingan meliputi:
Saham atau Investor. 4. The Public Company a. Website;
Principle 2 has a communication b. Paparan Publik;
Improving the Quality policy with the c. Laporan Tahunan & Laporan Keberlanjutan;
of Public Company shareholders or d. Company Profile;
Communication investors e. Press Release;
with Shareholders or f. Sponsorship; dan
Investors. g. Edukasi Perbankan.
The Bank has Corporate Policy Guideline No. 0021.01.0 dated
August 8, 2014 on Openness of Communication. Based on these
guidelines, the Bank provides external media facilities that can be
utilized to establish relationships with Stakeholders including:
a. Website;
b. Public Expose;
c. Annual Report & Sustainability Report;
d. Company Profile;
e. Press Release;
f. Sponsorship; and
g. Banking Education.
5. Perusahaan Terbuka Bank mengungkapkan kebijakan komunikasi secara jelas Terpenuhi
mengungkapkan pada Laporan Tahunan dan Laporan Keberlanjutan yang telah Fulfilled
kebijakan komunikasi dimuat dalam website Bank. Bank telah melaksanakan kebijakan
Perusahaan Terbuka keterbukaan informasi berdasarkan Peraturan Otoritas Jasa
dengan pemegang Keuangan No. 8/POJK.04/2015 tentang Situs Web Emiten atau
saham atau investor Perusahaan Publik. Bank mengungkapkan informasi kegiatan
dalam Situs Web. usaha Bank dalam bahasa Indonesia dan bahasa Inggris antara
5. The Public Company lain informasi terkait:
discloses its a. Informasi umum Bank;
communication b. Informasi bagi Pemegang Saham atau investor;
policy with the c. Informasi tata kelola perusahaan; dan
shareholders or d. Informasi tanggung jawab sosial perusahaan.
investors on the The Bank clearly discloses the communication policy in the Annual
website. Report and Sustainability Report which has been published on
the Bank's website. The Bank has implemented the information
disclosure policy based on the Financial Services Authority
Regulation No. 8/POJK.04/2015 regarding the Website of Issuers
or Public Companies. The Bank discloses information on the Bank's
business activities in Indonesian and English, including information
related to:
a. General information of the Bank;
b. Information for shareholders or investors;
c. Information on corporate governance; and
d. Information on corporate social responsibility.
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Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
II Aspek 2: Fungsi dan Peran Dewan Komisaris
Aspect 2: Function and Role of the Board of Commissioners
Prinsip 3 6. Penentuan Bank telah menentukan jumlah anggota Dewan Komisaris Terpenuhi
Memperkuat jumlah anggota dengan mempertimbangkan kompleksitas usaha Bank saat ini Fulfilled
Keanggotaan dan Dewan Komisaris dan rencana pengembangan ke depan. Bank memiliki 5 (lima)
Komposisi Dewan mempertimbangkan orang anggota Dewan Komisaris yang profesional dan kompeten
Komisaris kondisi Perusahaan di bidang perbankan. Dari jumlah seluruh anggota Dewan
Principle 3 Terbuka. Komisaris tersebut, 3 (tiga) orang di antaranya adalah Komisaris
Strengthening 6. Determination of the Independen, jumlah tersebut telah sesuai dengan Peraturan
the Membership number of members Otoritas Jasa Keuangan No. 33/POJK.04/2014 tentang Direksi
and Composition of the Board of dan Dewan Komisaris Emiten atau Perusahaan Publik
of the Board of Commissioners The Bank has determined the number of Board of Commissioners
Commissioners shall consider the members by considering the current complexity of its business
condition of the and future development plans. The Bank has 5 (five) members
Public Company. on the Board of Commissioners, all of whom are professional
and competent in the banking sector. Of these, 3 (three) are
Independent Commissioners, a composition that complies with
the Financial Services Authority Regulation No. 33/POJK.04/2014
regarding the Board of Directors and Board of Commissioners of
Issuers or Public Companies.
7. Penentuan Penetapan komposisi anggota Dewan Komisaris telah dilakukan Terpenuhi
komposisi anggota dengan mempertimbangkan pengetahuan, keahlian, dan Fulfilled
Dewan Komisaris pengalaman yang relevan dalam melaksanakan tugas sesuai
memperhatikan dengan bidang masing-masing, khususnya di bidang perbankan
keberagaman atau bidang keuangan, serta mempertimbangkan kemampuan
keahlian, melakukan pengelolaan strategis dalam rangka pengembangan
pengetahuan, dan Bank yang sehat dengan senantiasa berpedoman kepada
pengalaman yang peraturan perundang-undangan yang berlaku.
dibutuhkan The determination of the composition of the Board of Commissioners
7. Determination on has been carried out by considering the knowledge, expertise, and
the composition relevant experience in carrying out duties in accordance with their
of members of respective fields, especially in the banking or financial fields, as
the Board of well as considering the ability to carry out strategic management in
Commissioners the context of developing a healthy Bank by always referring to the
considers the prevailing laws and regulations.
diversity, expertise,
knowledge, and
experience required.
Prinsip 4 8. Dewan Komisaris Self-assessment Dewan Komisaris telah dilakukan sesuai Terpenuhi
Meningkatkan Kualitas mempunyai kebijakan ketentuan yang diatur dalam Peraturan Otoritas Jasa Keuangan Fulfilled
Pelaksanaan Tugas penilaian sendiri No. 4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank
dan Tanggung Jawab (Self-Assessment) Umum dan peraturan turunannya. Self-assessment dilakukan
Dewan Komisaris. untuk menilai kinerja melalui penilaian 3 (tiga) aspek governance yaitu governance
Principle 4 Dewan Komisaris. structure, governance process, dan governance outcome.
Improving the Quality 8. The Board of Self-assessment of the Board of Commissioners has been carried
of the Implementation Commissioners has out in accordance with the provisions stipulated in the Financial
of Duties and a self-assessment Services Authority Regulation No. 4/POJK.03/2016 concerning
Responsibilities policy to evaluate its The Assessment of the Soundness Level of Commercial Banks and
of the Board of performance. its derivative regulations. Self-assessment is conducted through an
Commissioners. assessment of 3 (three) aspects of governance, namely governance
structure, governance process, and governance outcome.
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Corporate Social Safety Responsibility
Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
9. Kebijakan penilaian Hasil (self-assessment) Dewan Komisaris telah diungkapkan pada Terpenuhi
sendiri (Self- Laporan Tahunan ini dalam uraian Penilaian Kinerja Dewan Fulfilled
Assessment) untuk Komisaris dalam bab Tata Kelola Perusahaan.
menilai kinerja The results of the Board of Commissioners' self-assessment have
Dewan Komisaris, been disclosed in this Annual Report in the description of the Board
diungkapkan melalui of Commissioners' Performance Assessment in the Corporate
Laporan Tahunan Governance chapter.
Perusahaan Terbuka.
9. The self-assessment
policy on the Board
of Commissioners
performance is
disclosed in the
Annual Report of the
Public Company
10. Dewan Komisaris Kebijakan pengunduran diri Dewan Komisaris telah diatur dalam Terpenuhi
mempunyai kebijakan Pedoman dan Tata Tertib Kerja Dewan Komisaris PKP No. Fulfilled
terkait pengunduran 0006.05.0 tanggal 28 Desember 2023 Berdasarkan pedoman
diri anggota Dewan tersebut, jika ada anggota Dewan Komisaris yang terlibat dalam
Komisaris apabila tindak kejahatan keuangan, maka akan diberhentikan atau masa
terlibat dalam jabatannya akan berakhir dengan sendirinya, dan Bank akan
kejahatan keuangan. menyelenggarakan RUPS atas hal tersebut.
10. The Board of The resignation policy of the Board of Commissioners has been
Commissioners regulated in the CPC Board of Commissioners Charter No.
has a policy related 0006.05.0 dated December 28, 2023 Based on the charter, if any
to resignation member of the Board of Commissioners is involved in a financial
of the Board of crime, he/she will be dismissed or his/her term of office will expire
Commissioners’ automatically, and the Bank will hold a GMS on the matter.
members if such
member is involved
in financial crimes.
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No
Principle Recommendation Implementation at BAGI Description
11. Dewan Komisaris Bank memiliki kebijakan suksesi dalam proses nominasi anggota Terpenuhi
atau Komite yang Direksi sebagaimana diatur dalam Pedoman dan Tata Tertib Fulfilled
menjalankan fungsi Kerja Remunerasi dan Nominasi, PKP No. 0005.02.1 tanggal
Remunerasi dan 14 November 2019. Berdasarkan pedoman tersebut, Komite
Nominasi menyusun tersebut memberikan rekomendasi kepada Dewan Komisaris
kebijakan suksesi mengenai program pengembangan dan kemampuan Direksi,
dalam proses serta memberikan usulan calon yang memenuhi syarat sebagai
Nominasi anggota anggota Direksi kepada Dewan Komisaris untuk disampaikan
Direksi. kepada RUPS.
11. The Board of The Bank has a succession policy in the nomination process for
Commissioners Board of Directors members, as outlined in the Remuneration and
or the Committee Nomination Guidelines and Work Procedures, PKP No. 0005.02.1
in charge of the dated November 14, 2019. Based on these guidelines, the Committee
Remuneration provides recommendations to the Board of Commissioners
and Nomination regarding the development program and capabilities of the Board
function prepares of Directors, and submits proposals for qualified candidates to the
the succession policy Board of Commissioners for presentation at the Annual General
in the nomination Meeting of Shareholders (RUPS).
process of members
of the Board of
Directors.
III Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Function and Role of the Board of Directors
Prinsip 5 12. Penentuan jumlah Bank telah menentukan jumlah anggota Direksi dengan Terpenuhi
Memperkuat anggota Direksi mempertimbangkan kompleksitas usaha Bank saat ini dan Fulfilled
Keanggotaan dan mempertimbangkan rencana pengembangan ke depan, serta efektivitas dalam
Komposisi Direksi. kondisi Perusahaan pengambilan keputusan. Bank memiliki 5 (lima) orang anggota
Principle 5 Terbuka serta Direksi yang profesional dan kompeten dibidang perbankan.
Strengthening the efektivitas dalam Bank memiliki Direktur Kepatuhan/Direktur Independen
Membership and pengambilan yang bertanggungjawab terhadap penerapan GCG di Bank.
Composition of the keputusan. Pengangkatan anggota Direksi dilakukan sesuai dengan Peraturan
Board of Directors. 12. Determination of Otoritas Jasa Keuangan No. 33/POJK.04/2014 tentang Direksi
the number of dan Dewan Komisaris Emiten atau Perusahaan Publik.
members of the The Bank has determined the number of members of the Board
Board of Directors of Directors by considering the complexity of the Bank's current
shall consider the business and future development plans, as well as effectiveness
condition of the in decision making. The Bank has 5 (five) members of the Board
Public Company of Directors who are professional and competent in the banking
and effectiveness of sector. The Bank has a Director Compliance/Independent Director
decision making. who is responsible for the implementation of GCG in the Bank. The
appointment of members of the Board of Directors is carried out
in accordance with the Financial Services Authority Regulation No.
33/POJK.04/2014 concerning the Board of Directors and Board of
Commissioners of Issuers or Public Companies.
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Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
13. Penentuan komposisi Penetapan komposisi anggota Direksi telah dilakukan dengan Terpenuhi
anggota Direksi mempertimbangkan pengetahuan, keahlian, dan pengalaman Fulfilled
memperhatikan, yang relevan dalam melaksanakan tugas sesuai dengan bidang
keberagaman masing-masing, khususnya di bidang perbankan atau bidang
keahlian, keuangan, serta mempertimbangkan kemampuan dalam
pengetahuan, dan melakukan pengelolaan strategis dalam rangka pengembangan
pengalaman yang Bank yang sehat dengan senantiasa berpedoman kepada
dibutuhkan. peraturan perundang-undangan yang berlaku.
13. Determination on The determination of the composition of the members of the Board
the composition of of Directors has been made by considering relevant knowledge,
the members of the expertise and experience in carrying out duties in accordance with
Board of Directors their respective fields, especially in the banking or financial fields,
considers the as well as considering the ability to carry out strategic management
diversity, expertise, in the context of healthy development of the Bank by always
knowledge, and guiding applicable laws and regulations.
experience required
14. Anggota Direksi yang Direktur yang membawahi Financial dan Accounting mempunyai Terpenuhi
membawahi bidang kualifikasi keahlian dan/atau pengetahuan di bidang akuntansi Fulfilled
akuntansi atau antara lain dapat dilihat berdasarkan latar belakang pendidikan,
keuangan memiliki pengalaman serta riwayat jabatan yang pernah diemban.
keahlian dan/atau Directors in charge of Financial and Accounting have qualifications
pengetahuan di of expertise and/or knowledge in the field of accounting, among
bidang akuntansi. others, can be seen based on educational background, experience
14. Members of the and history of positions held.
Board of Directors in
charge of accounting
or finance have
accounting expertise
and/or knowledge.
Prinsip 6 15. Direksi mempunyai Self-assessment Direksi telah dilakukan sesuai ketentuan Terpenuhi
Meningkatkan Kualitas kebijakan penilaian yang diatur dalam Peraturan Otoritas Jasa Keuangan No. 4/ Fulfilled
Pelaksanaan Tugas sendiri (Self- POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank Umum
dan Tanggung Jawab Assessment) untuk dan Peraturan Turunannya. Self-assessment terhadap Penerapan
Direksi. menilai kinerja Tata Kelola Bank umum yang dilakukan melalui penilaian 3
Principle 6 Direksi. (tiga) aspek governance, yaitu governance structure, governance
Improving the Quality 15. The Board of process, dan governance outcome.
of the Implementation Directors has a Self-assessment of the Board of Directors has been conducted
of the Duties and selfassessment policy in accordance with the provisions stipulated in the Financial
Responsibilities of the to evaluate its own Services Authority Regulation No. 4/POJK.03/2016 concerning
Board of Directors. performance. The Assessment of the Soundness Level of Commercial Banks and
its Derivative Regulations. Self-assessment of the Implementation
of Governance of Commercial Banks is carried out through an
assessment of 3 (three) aspects of governance, namely governance
structure, governance process, and governance outcome.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 387
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Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
16. Kebijakan penilaian Hasil self-assessment Direksi telah diungkapkan dalam Laporan Terpenuhi
sendiri (Self- Tahunan ini pada uraian Penilaian Kinerja Direksi di bab Tata Fulfilled
Assessment) untuk Kelola Perusahaan.
menilai kinerja Direksi The results of the Directors' self-assessment have been disclosed in
diungkapkan melalui this Annual Report in the description of the Directors' Performance
laporan tahunan Assessment in the Corporate Governance chapter.
Perusahaan Terbuka.
16. The self-assessment
policy on the
Board of Directors
performance is
disclosed in the
Annual Report of the
Public Company
17. Direksi mempunyai Kebijakan pengunduran diri Direksi telah diatur dalam Pedoman Terpenuhi
kebijakan terkait dan Tata Tertib Kerja Direksi PKP No. 0027.04.0 tanggal 28 Fulfilled
pengunduran diri Desember 2023, berdasarkan pedoman tersebut, jika ada
anggota Direksi anggota Direksi yang merugikan Bank atau negara atau apabila
apabila terlibat dalam yang bersangkutan dinyatakan bersalah oleh putusan pengadilan
kejahatan keuangan. yang memiliki kekuatan hukum, maka akan diberhentikan atau
17. The Board of masa jabatannya akan berakhir dengan sendirinya dan Bank akan
Directors has a policy menyelenggarakan RUPS atas hal tersebut.
related to resignation The resignation policy of the Board of Directors has been regulated
of the members in the Board of Directors Charter PKP No. 0027.04.0 dated
of the Board of December 28, 2023, based on the guideline, if any member of the
Directors if such Board of Directors is detrimental to the Bank or the country or if
member is involved the person concerned is found guilty by a court decision that has
in financial crimes. legal force, he/she will be dismissed or his/her term of office will
expire automatically and the Bank will hold a GMS on the matter.
IV Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholder Participation
Prinsip 7 18. Perusahaan Terbuka Bank menjaga kerahasiaan sesuai kaidah yang berlaku dengan Terpenuhi
Meningkatkan memiliki kebijakan tetap memperhatikan seluruh kepentingan Pemegang Saham Fulfilled
Aspek Tata Kelola untuk mencegah dan Pemangku Kepentingan.
Perusahaan melalui terjadinya insider The Bank maintains confidentiality in accordance with applicable
Partisipasi Pemangku trading rules while taking into account the interests of all Shareholders and
Kepentingan. 18. The Public company Stakeholders.
Principle 7 has a policy to
Improving Corporate prevent insider
Governance Aspects trading.
through Stakeholder
Participation
19. Perusahaan Terbuka Bank memiliki kebijakan anti korupsi dan anti fraud sebagaimana Terpenuhi
memiliki kebijakan dimuat dalam pedoman Anti Fraud No. 00001.03.0 tanggal 30 Fulfilled
anti korupsi dan anti Oktober 2024 tentang Pedoman Penerapan Strategi Anti Fraud,
fraud. yang disosialisasikan secara berkala kepada seluruh kantor
19. The Public Company cabang agar dapat dilaksanakan secara konsisten.
has an anticorruption The Bank has an anti-corruption and anti-fraud policy, as outlined
and Anti-fraud policy. in the Anti-Fraud Guidelines No. 00001.03.0 dated October 30,
2024, regarding the Implementation of Anti-Fraud Strategy. These
guidelines are regularly socialized to all branch offices to ensure
consistent implementation.
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Corporate Social Safety Responsibility
Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
20. Perusahaan Terbuka Bank memiliki kebijakan seleksi dan peningkatan kemampuan Terpenuhi
memiliki kebijakan vendor sebagaimana diatur dalam: a. KTI 0025.01.1 tanggal 24 Fulfilled
tentang seleksi Januari 2024 tentang Kebijakan Teknologi Informasi - Pengunaan
dan peningkatan Penyedia Jasa TI b. SESDM 013.02.0 tanggal 22 Januari 2020
kemampuan tentang Ketentuan Penggunaan Alih Daya/Outsourcing. c. SEO
pemasok atau 116.04.0 tanggal 25 Januari 2023 tentang Pengadaan Jasa
vendor. Profesional.
20. A Public Company The Bank has a vendor selection and upgrade policy as stipulated
has a policy in: a. KTI 0025.01.1 dated January 24, 2024, regarding the
regarding the Information Technology Policy - Use of IT Service Providers. b.
selection and SESDM 013.02.0 dated January 22, 2020 concerning Provisions
capacity building of on the Use of Outsourcing. c. SEO 116.04.0 dated January 25,
suppliers or vendors. 2023 concerning Procurement of Professional Services.
21. Perusahaan Terbuka Bank melaksanakan ketentuan dan persyaratan yang dimuat Terpenuhi
memiliki kebijakan dalam perjanjian antara Bank dengan kreditur secara konsisten. Fulfilled
tentang pemenuhan Bank menggunakan dan mengelola dana kredit secara tepat
hak-hak kreditur. sesuai kebutuhannya.
21. The Public Company The Bank consistently implements the terms and conditions
has a policy on contained in the agreement between the Bank and creditors. The
the fulfillment of Bank uses and manages credit funds appropriately according to
creditor’s rights. their needs.
22. Perusahaan Bank memiliki kebijakan pelaksanaan whistleblowing system Terpenuhi
Terbuka memiliki sebagaimana diatur dalam Pedoman Anti Fraud No. 00001.03.0 Fulfilled
kebijakan sistem tanggal 30 Oktober 2024 tentang Pedoman Penerapan Strategi
whistleblowing. Anti Fraud. Kebijakan tersebut telah mencakup cara pengaduan,
22. The Public Company perlindungan dan jaminan kerahasiaan pelapor, penanganan
has a policy on pengaduan, pihak yang mengelola pengaduan, serta hasil
the whistleblowing penanganan dan tindak lanjut pengaduan. Pengungkapan
system. atas pelaksanaan kebijakan tersebut diuraikan pada bagian
Whistleblowing System dalam bab Tata Kelola Perusahaan dalam
Laporan Tahunan ini.
The Bank has a whistleblowing system policy as outlined in the
Anti-Fraud Guidelines No. 00001.03.0 dated October 30, 2024,
regarding the Implementation of the Anti-Fraud Strategy. This
policy includes procedures for reporting complaints, protection
and confidentiality guarantees for whistleblowers, handling of
complaints, the parties responsible for managing complaints, as
well as the results and follow-up actions. The disclosure of the
implementation of this policy is detailed in the Whistleblowing
System section within the Corporate Governance chapter of this
Annual Report.
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No
Principle Recommendation Implementation at BAGI Description
23. Perusahaan Terbuka Masih dalam pengkajian dan pembahasan internal oleh Dewan Belum
memiliki kebijakan Komisaris dan Direksi terkait kebijakan insentif jangka panjang Terpenuhi
pemberian insentif kepada Direksi dan karyawan. Not yet fulfilled
jangka panjang Still under internal review and discussion by the Board of
kepada Direksi dan Commissioners and Directors regarding long-term incentive
karyawan. policies for Directors and employees.
23. The Public Company
has a long-term
incentive policy
for the Board of
Directors and
employees.
V Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8 24. Perusahaan Terbuka Bank mengungkapkan kebijakan komunikasi secara jelas pada Terpenuhi
Meningkatkan memanfaatkan Laporan Tahunan yang telah dimuat dalam website Bank. Bank Fulfilled
Pelaksanaan penggunaan telah melaksanakan kebijakan keterbukaan informasi berdasarkan
Keterbukaan Informasi. teknologi informasi Peraturan Otoritas Jasa Keuangan No. 8/POJK.04/2015 tentang
Principle 8 secara lebih luas Situs Web Emiten atau Perusahaan Publik. Bank mengungkapkan
Improving the selain Situs Web informasi kegiatan usaha Bank dalam bahasa Indonesia dan
Implementation of sebagai media bahasa Inggris antara lain informasi terkait:
Information Disclosure. keterbukaan a. Website Bank;
informasi. b. Paparan Publik;
24. The Public Company c. Laporan Tahunan & Laporan Keberlanjutan;
benefits from d. Company Profile;
the utilization of e. Press Release;
broader technology f. Sponsorship; dan
other than Website g. Edukasi Perbankan.
as information The Bank clearly discloses the communication policy in the Annual
disclosure channel. Report which has been published on the Bank's website. The Bank
has implemented the information disclosure policy based on the
Financial Services Authority Regulation No. 8/POJK.04/2015
regarding the Website of Issuers or Public Companies. The Bank
discloses information on the Bank's business activities in Indonesian
and English, including information related to:
a. Bank's website;
b. Public Expose;
c. Annual Report & Sustainability Report;
d. Company Profile;
e. Press Release;
f. Sponsorship; and
g. Banking Education.
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Corporate Social Safety Responsibility
Prinsip Rekomendasi Penjelasan Penerapan di BAGI Keterangan
No
Principle Recommendation Implementation at BAGI Description
25. Laporan Tahunan Bank telah mengungkapkan informasi mengenai Pemegang Terpenuhi
Perusahaan Terbuka Saham yang memiliki saham 5% (lima persen) atau lebih pada Fulfilled
mengungkapkan bab Profil Perusahaan dalam Laporan Tahunan ini.
pemilik manfaat akhir The Bank has disclosed information regarding Shareholders who
dalam kepemilikan own 5% (five percent) or more shares in the Company Profile
saham Perusahaan chapter in this Annual Report.
Terbuka paling sedikit
5% (lima persen),
selain pengungkapan
pemilik manfaat
akhir dalam
kepemilikan saham
Perusahaan Terbuka
melalui pemegang
saham utama dan
pengendali.
25. The Annual Report
of the Public
Company discloses
share ownership
of at least 5% (five
percent), other than
disclosure of ultimate
shareholders of the
Public Company
through major
and controlling
shareholders.
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TRANSPARANSI PRAKTIK BAD GOVERNANCE
Transparency of Bad Governance Practices
LAPORAN ATAS KEGIATAN PERUSAHAAN REPORT ON COMPANY ACTIVITIES THAT
YANG MENCEMARI LINGKUNGAN POLLUTE THE ENVIRONMENT
Bank berkomitmen untuk senantiasa mendukung program The Bank is committed to continuously supporting the Save
Save Earth (Go Green), taksonomi hijau telah diterapkan dalam Earth (Go Green) program, green taxonomy has been
internal Bank meskipun sedikit sekali bersinggungan dengan implemented within the Bank although it has very little contact
kegiatan pencemaran lingkungan karena kegiatan usaha di with environmental pollution activities due to business activities
industri perbankan. in the banking industry.
PEMENUHAN KEWAJIBAN PERPAJAKAN FULFILLMENT OF TAX OBLIGATIONS
Bank Artha Graha Internasional membayar pajak sebesar Bank Artha Graha Internasional paid IDR190.9 billion in taxes
Rp190,9 miliar pada tahun 2024 sebagai wujud kontribusi in 2024 as a form of contribution to the country.
kepada negara.
KES ES UA IA N PEN YA J IA N L A P O R A N CONFORMITY OF PRESENTATION OF ANNUAL
TAHUNAN DAN LAPORAN KEUANGAN REPORTS AND FINANCIAL STATEMENTS WITH
DENGAN PERATURAN YANG BERLAKU DAN APPLICABLE REGULATIONS AND FINANCIAL
STANDAR AKUNTANSI KEUANGAN ACCOUNTING STANDARDS
Dalam penyusunan Laporan Tahunan dan Laporan Keuangan In the preparation of the Annual Report and Financial
Bank Artha Graha Internasional, informasi yang tersaji telah Statements of Bank Artha Graha Internasional, the information
disesuaikan dengan peraturan dan perundang-undangan presented has been adjusted to the applicable regulations and
yang berlaku antara lain mengacu pada Surat Edaran Otoritas laws, including referring to the Financial Services Authority
Jasa Keuangan No. 16/SEOJK.04/2021 Tentang Bentuk Circular Letter No. 16/SEOJK.04/2021 Regarding Form and
dan Isi Laporan Tahunan Emiten atau Perusahaan Publik Content of Issuer’s Annual Report or Public Companies and
dan penyusunan Laporan Keuangan yang berakhir pada 31 the preparation of the Financial Statements ending December
Desember 2024 telah diperiksa kesesuaiannya dengan Standar 31, 2024 has been checked for compliance with applicable
Akuntansi Keuangan yang berlaku dan disahkan oleh Kantor Financial Accounting Standards and authorized by the Public
Akuntan Publik yang ditunjuk oleh Bank dalam RUPS. Accounting Firm appointed by the Bank in the GMS.
KASUS TERKAIT BURUH DAN KARYAWAN LABOR AND EMPLOYEE RELATED CASES
Pada tahun 2024 tidak ada kasus/tindakan fraud yang terjadi In 2024, there were no cases or instances of fraud at Bank
di Bank Artha Graha Internasional Artha Graha Internasional.
PENGUNGKAPAN SEGMEN OPERASI DISCLOSURE OF OPERATING SEGMENTS
Bab Analisis Pembahasan Manajemen telah mengungkapkan Management Discussion and Analysis chapter discloses the
berbagai segmen operasi yang dilakukan oleh Bank disertai various operating segments of the Bank along with revenue and
dengan informasi pendapatan dan laba/rugi. profit/loss information.
KESESUAIAN BERKAS LAPORAN TAHUNAN CONFORMITY OF ANNUAL REPORT FILE AND
DAN LAPORAN KEBERLANJUTAN SUSTAINABILITY REPORT
Bank Artha Graha Internasional senantiasa melakukan Bank Artha Graha Internasional always checks before uploading
pengecekan sebelum mengunggah Laporan Tahunan dan the Annual Report to ensure data conformity between hardcopy
Laporan Keberlanjutan untuk memastikan kesesuaian data and softcopy.
antara hardcopy dengan softcopy.
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Corporate Social Safety Responsibility
PERMODALAN DAN MANAJEMEN RISIKO
Capital and Risk Management
Bank Artha Graha Internasional menyadari pentingnya Bank Artha Graha Internasional recognizes the importance
penerapan praktik terbaik manajemen risiko seiring dengan of implementing best practices in risk management as the
bertambahnya kompleksitas usaha yang semakin meningkat complexity of business continues to increase over time. This is
dari waktu ke waktu. Hal ini dilakukan agar Bank mampu done to enable the Bank to adapt and overcome the various
beradaptasi serta mengatasi beragam tantangan yang timbul challenges arising from changes in the banking business
dari perubahan-perubahan yang terjadi dalam lingkungan environment. Both external and internal banking environments
bisnis perbankan. Lingkungan eksternal dan internal perbankan are changing dynamically, driven by evolving demands from
berubah dengan sangat dinamis seiring dengan berubahnya various stakeholders, increased business activity risks, and the
tuntutan dari berbagai Pemangku Kepentingan, peningkatan growing level of competition in the industry.
kompleksitas risiko kegiatan usaha dan tingkat persaingan di
industri yang semakin kompetitif.
Bank telah menyusun kebijakan, proses, kompetensi, The Bank has developed policies, processes, competencies,
akuntabilitas, pelaporan, dan sistem informasi pendukung, accountability, reporting, and supporting information systems,
serta mengimplementasikan pendekatan komprehensif untuk and has implemented a comprehensive approach to identify,
mengidentifikasi, mengukur, memprioritaskan, memantau, dan measure, prioritize, monitor, and control risks that impact its
mengendalikan risiko-risiko yang berdampak terhadap bisnis, business, operations, and organization. The goal is to ensure the
operasional, dan organisasi, dengan tujuan agar implementasi effective and efficient implementation of risk management. This
manajemen risiko berjalan efektif dan efisien. Hal ini dilakukan aligns with the proactive management commitment of Bank
sejalan dengan komitmen pengelolaan yang dilakukan secara Artha Graha Internasional to support the Bank in achieving
proaktif oleh Bank Artha Graha Internasional dalam rangka healthy and sustainable growth while maintaining an optimal
mendukung Bank dalam mencapai pertumbuhan yang sehat risk-adjusted return and shareholder value.
dan berkelanjutan serta memelihara tingkat risk adjusted return
yang optimal dan shareholder value.
DASAR PENERAPAN MANAJEMEN RISIKO BASIS FOR RISK MANAGEMENT IMPLEMENTATION
Dasar penerapan pengelolaan permodalan dan manajemen The basis of Bank Artha Graha Internasional’s capital and risk
risiko Bank Artha Graha Internasional mengacu pada beberapa management implementation refers to the following
peraturan berikut: regulations:
Peraturan Otoritas Jasa Keuangan (POJK): Financial Services Authority Regulations (POJK):
1. Undang-Undang (UU) Nomor 4 Tahun 2023 tentang 1. Law (UU) Number 4 of 2023 concerning the Development
Pengembangan dan Penguatan Sektor Keuangan; and Strengthening of the Financial Sector;
2. POJK No. 4/POJK.03/2016 tentang Penilaian Tingkat 2. POJK No. 4/POJK.03/2016 concerning the Assessment
Kesehatan Bank Umum; of the Soundness Level of Commercial Banks;
3. POJK No. 18/POJK.03/2016 tentang Penerapan 3. POJK No. 18/POJK.03/2016 concerning the Implementation
Manajemen Risiko bagi Bank Umum; of Risk Management for Commercial Banks;
4. POJK No. 38/POJK.03/2016 tentang Penerapan 4. POJK No. 38/POJK.03/2016 concerning the Implementation
Manajemen Risiko dalam Penggunaan Teknologi Informasi of Risk Management in the Use of Information Technology
oleh Bank Umum; by Commercial Banks;
5. POJK No. 55/POJK.03/2016 tentang Penerapan Tata 5. POJK No. 55/POJK.03/2016 concerning the Implementation
Kelola bagi Bank Umum; of Governance for Commercial Banks;
6. POJK No. 13/POJK.03/2020 tentang Perubahan atas 6. POJK No. 13/POJK.03/2020 concerning the Amendment
Peraturan Otoritas Jasa Keuangan No. 38/POJK.03/2016 to the Financial Services Authority Regulation No. 38/
tentang Penerapan Manajemen Risiko dalam Penggunaan POJK.03/2016 concerning the Implementation of Risk
Teknologi Informasi oleh Bank Umum; dan Management in the Use of Information Technology by
Commercial Banks; and
7. POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola 7. POJK No. 17 of 2023 concerning the Implementation of
Bagi Bank Umum. Governance for Commercial Banks.
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Surat Edaran Otoritas Jasa Keuangan (SEOJK): Circular Letter of the Financial Services
Authority (SEOJK):
1. SEOJK No. 34/SEOJK.03/2016 tentang Penerapan 1. SEOJK No. 34/SEOJK.03/2016 concerning the
Manajemen Risiko bagi Bank Umum; Implementation of Risk Management for Commercial Banks;
2. SEOJK No. 13/SEOJK.03/2017 tentang Penerapan Tata 2. SEO JK No. 13/SEO JK .03/2017 concerning the
Kelola bagi Bank Umum; Implementation of Governance for Commercial Banks;
3. SEOJK No. 14/SEOJK.03/2017 tentang Penilaian Tingkat 3. SEOJK No. 14/SEOJK.03/2017 concerning The Assessment
Kesehatan Bank Umum; dan of the Soundness Level of Commercial Banks; and
4. SEOJK No. 21/SEOJK.03/2017 tentang Penerapan 4. SEO JK No. 21/SEO JK .03/2017 concerning the
Manajemen Risiko dalam Penggunaan Teknologi Informasi Implementation of Risk Management in the Use of
oleh Bank Umum. Information Technology by Commercial Banks.
PENGUNGKAPAN PERMODALAN CAPITAL DISCLOSURE
Bank Artha Graha Internasional memiliki profil kecukupan Bank Artha Graha Internasional has a strong capital adequacy
modal dan struktur permodalan yang kuat sebagai penopang profile and capital structure to support the Bank’s current
pengembangan ekspansi usaha Bank saat sekarang dan di masa and future business expansion. The Bank’s compliance with
mendatang. Pemenuhan Bank terhadap berbagai ketentuan various regulatory requirements related to capital is carried
Regulator terkait permodalan dilakukan untuk memastikan agar out to ensure that the Bank’s capital structure is compliant and
struktur permodalan Bank telah comply dan efisien. Sesuai efficient. In accordance with the Financial Services Authority
dengan Peraturan Otoritas Jasa Keuangan (POJK) tanggal 26 Regulation (POJK) dated December 26, 2022 No. 27 of
Desember 2022 No. 27 Tahun 2022 tentang Perubahan Kedua 2022 concerning the Second Amendment to POJK No. 11/
POJK No. 11/POJK.03/2016 tentang Kewajiban Penyediaan POJK.03/2016 concerning the Minimum Capital Adequacy of
Modal Minimum Bank Umum, modal Bank Artha Graha Commercial Banks, Bank Artha Graha Internasional’s capital
Internasional terdiri dari: consists of:
1. Modal Inti 1. Tier 1 Capital
Modal inti terdiri dari modal inti utama (Common Equity Core capital consists of main core capital (Common Equity
Tier/CET 1) dan modal inti tambahan (Additional Tier 1). Tier 1/CET 1) and additional core capital (Additional Tier
Modal inti utama terdiri dari modal disetor dan cadangan 1). The main core capital consists of paid-up capital and
tambahan modal (disclose reserve). Cadangan tambahan disclosed reserve. The disclosed reserve includes enhancing
modal ini mencakup faktor penambah (Pendapatan factors (Other Comprehensive Income in the form of
Komprehensif lainnya berupa selisih lebih penjabaran excess translation of financial statements, potential gain
laporan keuangan, potensi keuntungan yang berasal from increase in fair value of available-forsale financial
dari peningkatan nilai wajar aset keuangan kategori assets, and surplus balance on revaluation of fixed assets
tersedia untuk dijual, dan saldo surplus revaluasi aset tetap plus Other Additional Capital Reserve in the form of agio,
ditambah Cadangan Tambahan Modal Lainnya berupa general reserve, prior years’ profit, current year profit,
agio, cadangan umum, laba tahun-tahun lalu, laba tahun capital deposit fund and others based on OJK approval)
berjalan, dana setoran modal dan lainnya berdasarkan and reducing factors (Other Comprehensive Income in the
persetujuan OJK) dan faktor pengurang (Pendapatan form of excess translation of financial statements, potential
Komprehensif lainnya berupa selisih kurang penjabaran losses from increase in fair value of available-for-sale
laporan keuangan, potensi kerugian yang berasal dari financial assets plus other additional capital reserves in
peningkatan nilai wajar aset keuangan kategori tersedia the form of disagio, prior year losses, current year losses,
untuk dijual ditambah cadangan tambahan modal lainnya difference between allowance for possible losses on earning
berupa disagio, rugi tahun-tahun lalu, rugi tahun berjalan, assets and allowance for impairment losses, difference
selisih kurang penyisihan penghapusan aset (PPA) atas
aset produktif dengan cadangan kerugian penurunan
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nilai, selisih kurang antara jumlah penyesuaian terhadap between the amount of adjustments to valuation results of
hasil valuasi dari instrumen keuangan dalam trading book financial instruments in the trading book and the amount
dan jumlah penyesuaian berdasarkan standar akuntansi of adjustments based on financial accounting standards,
keuangan, PPA non-produktif serta lainnya berdasarkan non-productive PPA and others based on OJK approval).
persetujuan OJK).
2. Modal Pelengkap (maksimum 100% dari modal inti) 2. Supplementary Capital (maximum 100% of core capital)
Modal pelengkap meliputi instrument modal dalam bentuk Supplementary capital includes capital instruments in the
saham atau bentuk lainnya yang memenuhi persyaratan, form of shares or other forms that meet the requirements,
agio atau disagio yang berasal dari penerbitan instrumen agio or disagio derived from the issuance of capital
modal yang tergolong sebagai modal pelengkap, dan instruments classified as supplementary capital, and
cadangan umum PPA atas aset produktif yang wajib PPA general reserves on productive assets that must be
dihitung dengan jumlah maksimum 1,25% dari ATMR calculated with a maximum amount of 1.25% of RWA credit
risiko kredit. risk.
Profil permodalan Bank Artha Graha Internasional dalam 2 The capital profile of Bank Artha Graha Internasional in the last
(dua) tahun terakhir adalah sebagai berikut: 2 (two) years is as follows:
dalam jutaan rupiah
in million rupiah
Jenis Modal
2024 2023
Types of Capital
Modal Inti
3.591.911 3.584.721
Core Capital
Modal Pelengkap
373.786 363.711
Supplementary Capital
Jumlah Modal
3.965.697 3.948.432
Total Capital
PENILAIAN KECUKUPAN PERMODALAN CAPITAL ADEQUACY ASSESSMENT
Bank Artha Graha Internasional senantiasa memenuhi seluruh Bank Artha Graha Internasional always complies with all
peraturan yang ada terkait dengan ketentuan kecukupan modal. existing regulations related to capital adequacy requirements.
Perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) The calculation of the minimum capital adequacy requirement
dan Aset Tertimbang Menurut Risiko (ATMR) dilakukan dengan (CAR) and risk-weighted assets (RWA) is performed using the
menggunakan metode sebagai berikut: following methods:
Jenis Risiko Metode Penilaian Risiko Kecukupan Modal
Risk Type Capital Adequacy Risk Assessment Method
Risiko Kredit Pendekatan Standar
Credit Risk Standardized Approach
Risiko Pasar Pendekatan Standar
Market Risk Standardized Approach
Risiko Operasional Pendekatan Standar
Operational Risk Standardized Approach
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PENERAPAN MANAJEMEN RISIKO IMPLEMENTATION OF RISK MANAGEMENT
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 Financial Services Authority Regulation No. 18/POJK.03/2016 on
tentang Penerapan Manajemen Risiko bagi Bank Umum the Implementation of Risk Management for Commercial Banks
menjadi panduan bagi Bank terkait penerapan manajemen serves as a guide for the Bank regarding the implementation
risiko di Bank Artha Graha Internasional. Adapun kerangka of risk management at Bank Artha Graha Internasional. The
proses manajemen risiko dalam pengelolaan bisnis dan risk management process framework in managing the Bank’s
operasional Bank terdiri dari: business and operations consists of:
1. Pengawasan aktif Direksi dan Dewan Komisaris; 1. Active supervision of the Board of Directors and Board of
Commissioners;
2. Kecukupan kebijakan dan prosedur manajemen risiko, 2. Adequacy of risk management policies and procedures,
serta penetapan limit risiko; and establishment of risk limits;
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequacy of risk identification, measurement, monitoring,
dan pengendalian risiko serta sistem informasi manajemen and control processes and risk management information
risiko; dan systems; and
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control system.
PENGAWASAN AKTIF DIREKSI DAN DEWAN ACTIVE SUPERVISION OF BOARD OF
KOMISARIS DIRECTORS AND COMMISSIONERS
Direksi dan Dewan Komisaris Bank berpartisipasi aktif dalam The Bank’s Board of Directors and Board of Commissioners
penerapan manajemen risiko Bank. Dalam hal ini, pengawasan actively participate in the implementation of the Bank’s
dilakukan sesuai tugas dan tanggung jawab yang dimiliki serta risk management. In this case, supervision is carried out in
dilakukan secara berkala dan konsisten, sekurang-kurangnya accordance with their duties and responsibilities and is carried
setiap bulan. out regularly and consistently, at least every month.
Direksi Board of Directors
Tugas dan tanggung jawab Direksi terkait penerapan The duties and responsibilities of the Board of Directors
manajemen risiko di Bank Artha Graha Internasional antara lain: regarding the implementation of risk management in Bank
Artha Graha Internasional include:
1. Menyusun kebijakan, strategi, dan kerangka manajemen 1. Developing written and comprehensive risk management
risiko secara tertulis dan komprehensif termasuk limit policies, strategies, and frameworks including overall risk
risiko secara keseluruhan dan per jenis risiko, dengan limits and per type of risk, taking into account the level of risk
memperhatikan tingkat risiko yang akan diambil (risk to be taken (risk appetite) and risk tolerance in accordance
appetite) dan toleransi risiko (risk tolerance) sesuai kondisi with the Bank’s conditions and taking into account the
Bank serta memperhitungkan dampak risiko terhadap impact of risk on capital adequacy. After obtaining approval
kecukupan permodalan. Setelah mendapat persetujuan from the Board of Commissioners, the Board of Directors
dari Dewan Komisaris, Direksi menetapkan kebijakan, establishes the risk management policy, strategy and
strategi, dan kerangka manajemen risiko dimaksud; framework;
2. Mengevaluasi dan/atau mengkinikan kebijakan, strategi, 2. Evaluating and/or updating risk management policies,
dan kerangka manajemen risiko paling kurang 1 (satu) strategies, and frameworks at least 1 (one) time in 1 (one) year
kali dalam 1 (satu) tahun atau dalam frekuensi yang lebih or at a more frequent frequency in the event of significant
sering dalam hal terdapat perubahan faktor-faktor yang changes in factors affecting the Bank’s business activities,
memengaruhi kegiatan usaha Bank, eksposur risiko, dan/ risk exposure, and/or risk profile;
atau profil risiko secara signifikan;
3. Menetapkan struktur organisasi termasuk wewenang dan 3. Establishing an organizational structure including clear
tanggung jawab yang jelas pada setiap jenjang jabatan authorities and responsibilities at each level of positions
yang terkait dengan penerapan manajemen risiko; related to the implementation of risk management;
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4. Memastikan seluruh risiko yang material dan dampak yang 4. Ensuring that all material risks and impacts caused by such
ditimbulkan oleh risiko dimaksud telah ditindaklanjuti dan risks have been followed up and submit accountability
menyampaikan laporan pertanggungjawaban kepada reports to the Board of Commissioners on a regular basis.
Dewan Komisaris secara berkala. Laporan dimaksud antara The report includes, among others, progress reports and
lain memuat laporan perkembangan dan permasalahan problems related to material risks along with corrective
terkait risiko yang material disertai langkah-langkah measures that have been, are being, and will be carried out;
perbaikan yang telah, sedang, dan akan dilakukan;
5. Memastikan pelaksanaan langkah-langkah perbaikan atas 5. Ensuring the implementation of corrective measures for
permasalahan atau penyimpangan dalam kegiatan usaha problems or irregularities in the Bank’s business activities
Bank yang ditemukan oleh Internal Audit; found by Internal Audit;
6. Memastikan kecukupan dukungan keuangan dan 6. Ensuring adequate financial support and infrastructure to
infrastruktur untuk mengelola dan mengendalikan risiko; manage and control risk; and
dan
7. Memastikan bahwa fungsi manajemen risiko telah 7. Ensuring that the risk management function has been
diterapkan secara independen yang dicerminkan antara implemented independently, which is reflected in,
lain adanya pemisahan fungsi antara Risk Management among others, the separation of functions between
yang melakukan identifikasi, pengukuran, pemantauan dan Risk Management, which identifies, measures, monitors
pengendalian risiko dengan satuan kerja yang melakukan and controls risks, and the work unit that conducts and
dan menyelesaikan transaksi. completes transactions.
Dalam pelaksanaan tugas dan tanggung jawab tersebut, Direksi In carrying out these duties and responsibilities, the Board
dibantu oleh Komite Manajemen Risiko, Komite Kredit, Komite of Directors is assisted by the Risk Management Committee,
ALCO, Komite Pengarah Teknologi Informasi, Komite Human Credit Committee, Asset and Liability Committee, Information
Capital, Komite Kebijakan Perkreditan, dan Komite Produk. Technology Steering Committee, and Human Capital
Selain itu, Direksi juga dibantu oleh Internal Audit, Direktorat Committee. In addition, the Board of Directors is also assisted
Risk Management, dan Direktorat Compliance. by the Internal Audit, Risk Management Directorate, and
Compliance Directorate.
Dewan Komisaris Board of Commissioners
Dewan Komisaris dalam penerapan manajemen risiko di Bank In implementing risk management in Bank Artha Graha
Artha Graha Internasional memiliki tugas dan tanggung jawab Internasional, the Board of Commissioners has the following
antara lain: duties and responsibilities:
1. Menyetujui kebijakan manajemen risiko termasuk strategi 1. Approving risk management policies including risk
dan kerangka manajemen risiko yang ditetapkan sesuai management strategies and frameworks established in
dengan tingkat risiko yang akan diambil (risk appetite) dan accordance with the Bank’s risk appetite and risk tolerance;
toleransi risiko (risk tolerance) Bank;
2. Mengevaluasi kebijakan manajemen risiko dan strategi 2. Evaluating risk management policies and risk management
manajemen risiko paling kurang 1 (satu) kali dalam 1 (satu) strategies at least 1 (one) time in 1 (one) year or at a more
tahun atau dalam frekuensi yang lebih sering dalam hal frequent frequency in the event of changes in factors that
terdapat perubahan faktor yang memengaruhi kegiatan significantly affect the Bank’s business activities;
usaha Bank secara signifikan;
3. Mengevaluasi pertanggungjawaban Direksi dan 3. Evaluating the accountability of the Board of Directors and
memberikan arahan perbaikan atas pelaksanaan kebijakan provide direction for improvement on the implementation of
manajemen risiko secara berkala. Evaluasi dilakukan dalam risk management policies on a regular basis. The evaluation
rangka memastikan bahwa Direksi mengelola aktivitas dan is conducted in order to ensure that the Board of Directors
risiko Bank secara efektif; dan effectively manages the Bank’s activities and risks; and
4. Memastikan kebijakan dan proses manajemen risiko 4. Ensuring risk management policies and processes are
dilakukan secara efektif dan terintegrasi dalam proses carried out effectively and integrated in the overall risk
manajemen risiko secara keseluruhan. management process.
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Dewan Komisaris dibantu oleh Komite Audit, Komite Pemantau The Board of Commissioners is assisted by the Audit Committee,
Risiko, serta Komite Remunerasi dan Nominasi dalam Risk Monitoring Committee, and Remuneration and Nomination
menjalankan tugas dan tanggung jawab tersebut. Committee in carrying out these duties and responsibilities.
KECUKUPAN KEBIJAKAN DAN PROSEDUR ADEQUACY OF RISK MANAGEMENT POLICIES
MANAJEMEN RISIKO, SERTA PENETAPAN AND PROCEDURES, AND ESTABLISHMENT OF
LIMIT RISIKO RISK LIMITS
Bank Artha Graha Internasional memiliki kebijakan, prosedur Bank Artha Graha Internasional has policies, procedures and
dan penetapan limit yang sesuai dengan penerapan kerangka limit setting in accordance with the implementation of an
kerja manajemen risiko yang efektif, efisien, dan profesional effective, efficient and professional risk management framework
terhadap 8 (delapan) jenis risiko utama untuk mendukung for 8 (eight) main types of risk to support the Bank’s prudent,
pertumbuhan Bank secara prudent, konsisten dan berkelanjutan consistent and sustainable growth and increase the Bank’s
serta meningkatkan nilai tambah Bank di mata seluruh added value in the eyes of all Stakeholders.
Pemangku Kepentingan.
Kedelapan risiko utama tersebut terdiri dari: The eight key risks consist of:
1. Risiko Kredit; 1. Credit Risk;
2. Risiko Pasar; 2. Market Risk;
3. Risiko Likuiditas; 3. Liquidity Risk;
4. Risiko Operasional; 4. Operational Risk;
5. Risiko Hukum; 5. Legal Risks;
6. Risiko Reputasi; 6. Reputational Risk;
7. Risiko Stratejik; dan 7. Strategic Risk; and
8. Risiko Kepatuhan. 8. Compliance Risk.
Kebijakan, prosedur dan penetapan limit risiko tersebut The policies, procedures and risk limits are documented
didokumentasikan dan selanjutnya ditinjau secara berkala and reviewed periodically based on internal and external
berdasarkan perkembangan internal maupun eksternal. developments.
KECUKUPAN PROSES IDENTIFIK ASI, ADEQUACY OF RISK IDENTIFICATION,
PEN G U KU R AN , PEMANTAUAN , DAN MEASUREMENT, MONITORING, AND CONTROL
PENGENDALIAN RISIKO, SERTA SISTEM PROCESSES, AND RISK MANAGEMENT
INFORMASI MANAJEMEN RISIKO INFORMATION SYSTEMS
Bank Artha Graha Internasional memiliki infrastruktur untuk Bank Artha Graha Internasional has an infrastructure for risk
identifikasi, pengukuran, pemantauan, dan pengendalian risiko identification, measurement, monitoring and control supported
didukung dengan ketersediaan sistem informasi manajemen by the availability of an adequate management information
yang memadai dan mampu mendukung fungsi manajemen system capable of supporting the risk management function as
risiko secara menyeluruh. a whole.
Penerapan ICAAP bertujuan untuk memastikan kecukupan The implementation of ICAAP aims to ensure capital adequacy
modal sesuai profil risiko Bank di luar profil risiko yang sudah in accordance with the Bank’s risk profile beyond the risk profile
tercakup di pilar 1 (satu) yang sejalan dengan penerapan pilar already covered in pillar 1 (one) in line with the implementation
2 (dua) Basel II. Ketersediaan modal yang cukup senantiasa of pillar 2 (two) of Basel II. The availability of sufficient capital is
dipastikan agar mampu menyerap potensi kerugian material always ensured to be able to absorb potential material losses
yang mungkin terjadi dalam skenario kondisi stress dan that may occur in stress scenarios and support sustainable
mendukung pertumbuhan bisnis secara berkelanjutan business growth.
(sustainable business growth).
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Sub Direktorat Credit Risk & ESG melakukan proses identifikasi, Sub-Directorate of Credit Risk & ESG identifies, measures,
pengukuran, pemantauan risiko dan bekerja sama dengan and monitors risks and works closely with all business units
seluruh unit bisnis dan unit pendukung melakukan proses and support units to control and mitigate risks and build a
pengendalian dan mitigasi risiko serta membangun sistem comprehensive risk management information system.
informasi manajemen risiko yang menyeluruh.
Bank menerapkan manajemen risiko yang meliputi 3 (tiga) The Bank implements risk management which includes 3 (three)
bagian utama yaitu: main parts, namely:
1. Proses Identifikasi; 1. Identification Process;
2. Proses Pengukuran; dan 2. Measurement Process; and
3. Proses Pemantauan dan Pengendalian Risiko. 3. Risk Monitoring and Control Process.
3 (tiga) unit kerja yang terlibat dalam proses tersebut adalah The 3 (three) work units involved in the process are front office
front office (unit bisnis), middle office (unit manajemen risiko (business unit), middle office (risk management and procedure
dan sistem prosedur), dan back office (unit operasional) yang system unit), and back office (operational unit) which are
dijelaskan sebagai berikut: explained as follows:
1. Front Office 1. Front Office
Jabatan kerja operasional yang dimiliki oleh Bank yang Operational work positions of the Bank that carry
melaksanakan transaksi secara langsung berdasarkan out transactions directly based on their duties and
tugas dan tanggung jawabnya, serta mengelola portofolio responsibilities, and manage the Bank’s portfolio, while still
Bank, dengan tetap memperhatikan konsep yang telah paying attention to the concepts set by risk management.
ditetapkan oleh manajemen risiko.
a. Kantor Cabang, yaitu Account Officer dan Branch a. Branch Offices, namely Account Officers and Branch
Director; Director;
b. Direktorat Treasury, yaitu Dealer dan Treasury Sales; b. Treasury Directorate, namely Dealer and Treasury Sales;
c. Unit kerja operasional lainnya, yaitu Customer Service c. Other operational work units are Customer Service and
dan Teller; Teller;
d. Direktorat Business Banking; dan d. Directorate of Business Banking; and
e. Regional Head. e. Regional Head.
Dalam rangka penerapan prinsip kehati-hatian (prudential In order to implement prudential principles and early
principles) dan penerapan sistem peringatan dini (early warning system, Sub-Directorate of Non Credit Risk is
warning system), Sub Direktorat Non Credit Risk dilibatkan involved in every process of front office activities, by:
dalam setiap proses aktivitas front office, dengan cara:
a. Mengidentifikasi dan menilai risiko setiap permohonan a. Identifying and assessing the risk of each request for
penyimpangan dari ketentuan operasi yang diajukan deviation from the operating conditions submitted by
oleh unit kerja operasional sesuai batasan/limit dan the operational work unit in accordance with the limits/
ketentuan Direksi; limits and provisions of the Board of Directors;
b. Melakukan review serta memberikan rekomendasi b. Reviewing and providing recommendations in the form
berupa saran dan masukan terhadap draft kebijakan of advice and input on draft policies and procedures to
dan prosedur yang akan diterbitkan oleh Bank (Baru be issued by the Bank (New or Revised); and
atau Revisi); dan
c. Mengkaji risiko setiap rencana penerbitan produk atau c. Assessing the risk of any planned new product or activity
aktivitas baru dan menganalisis risiko atas proses User and analyzing the risk of the User Acceptance Test
Acceptance Test (UAT) untuk pengembangan produk (UAT) process for new or existing product or activity
atau aktivitas yang baru atau yang sudah ada. development.
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2. Middle Office 2. Middle Office
Bagian pendukung operasional Bank yang melakukan The Bank’s operational support department that manages,
pengelolaan, penyusunan pedoman/prosedur operasional, prepares operational guidelines/procedures, and supervises
dan pengawasan operasional, serta melakukan operations, as well as performs bankwide portfolio risk
manajemen risiko portofolio secara bankwide, yaitu: management, namely:
a. Sub Direktorat Credit Risk & ESG dan Sub Direktorat a. Sub-Directorate of Credit Risk & ESG and Sub-
Non Credit Risk Directorate of Non Credit Risk
i. Mengembangkan prosedur dan alat untuk i. Developing procedures and tools for risk
identifikasi, pengukuran, pemantauan, dan identification,measurement, monitoring and control;
pengendalian risiko;
ii. Memantau posisi/eksposur risiko secara ii. Monitoring overall risk position/exposure (portfolio),
keseluruhan (portofolio), maupun per jenis risiko, as well as per risk type, including monitoring
termasuk pemantauan kepatuhan terhadap compliance with risk tolerance and risk limits set by
toleransi risiko dan limit-limit risiko yang ditetapkan the Board of Directors; and
oleh Direksi; dan
iii. Melakukan stress testing untuk mengetahui iii. Conducting stress testing to determine the impact
dampak dari implementasi kebijakan dan strategi of the implementation of risk management policies
manajemen risiko terhadap portofolio atau kinerja and strategies on the Bank’s portfolio or overall
Bank secara keseluruhan. performance.
b. Sub Direktorat System Procedure b. System Procedure Sub Directorate
3. Back Office 3. Back Office
Bagian akhir dari proses operasional Bank yang The final part of the Bank’s operational process that
menyelesaikan transaksi: completes a transaction:
a. Direktorat Asset Recovery; dan a. Directorate of Asset Recovery; and
b. Direktorat Operation melakukan pengelolaan risiko b. The Operations Directorate manages settlement risk.
settlement.
ORGANISASI DAN TATA KELOLA MANAJEMEN RISK MANAGEMENT ORGANIZATION AND
RISIKO GOVERNANCE
Bank telah memiliki beberapa unit kerja pada struktur organisasi The Bank has several working units in the organizational
Direktorat Risk Management yang dibentuk berdasarkan structure of the Risk Management Directorate established
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 based on the Financial Services Authority Regulation No.
tentang Penerapan Manajemen Risiko bagi Bank Umum untuk 18/POJK.03/2016 concerning the Implementation of Risk
pengelolaan berbagai jenis risiko yang melekat pada Bank Management for Commercial Banks to manage various types
sesuai dengan kompleksitas kegiatan usahanya. of risks inherent in the Bank in accordance with the complexity
of its business activities.
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Struktur Organisasi Direktorat Risk Management Organizational Structure of the Risk Management
Directorate
Director Compliance & Risk
Deputy Director Risk Management
Executive Officer Credit Risk & ESG Executive Officer Non Credit Risk
Sebagai second line of defense, selain bertanggung jawab As the second line of defense, in addition to being responsible
dalam menjalankan fungsi tata kelola manajemen risiko secara for carrying out the risk management governance function
independen, Direktorat Risk Management juga bekerja sama independently, the Risk Management Directorate also
dan bermitra dengan seluruh unit bisnis dan unit pendukung, cooperates and partners with all business units and support
mulai dari level strategis sampai dengan level transaksi units, starting from the strategic level to the transaction level
dalam rangka membangun proses identifikasi, pengukuran, in order to build a comprehensive process of identification,
pemantauan, pengendalian risiko dan sistem informasi serta measurement, monitoring, risk control and information systems
sistem pengendalian internal yang menyeluruh. and internal control systems.
Dalam menjalankan tugas dan tanggung jawabnya, Direktorat In carrying out its duties and responsibilities, the Risk
Risk Management memiliki Pedoman dan Tata Tertib Kerja Management Directorate has a Guideline and Code of Conduct
yang tertuang Pedoman Manajemen Risiko No. 00001.03.3 as stipulated in Risk Management Manual No. 00001.03.3 on
tentang Manajemen Risiko Umum. General Risk Management.
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TUGAS DAN TANGGUNG JAWAB MANAJEMEN DUTIES AND RESPONSIBILITIES OF RISK
RISIKO MANAGEMENT
Manajemen risiko Bank Artha Graha Internasional memiliki Bank Artha Graha Internasional’s risk management has duties
tugas dan tanggung jawab yang meliputi: and responsibilities that include:
1. Menetapkan risiko terkait dengan produk dan transaksi 1. Determining the risks associated with banking products
perbankan; and transactions;
2. Menetapkan penggunaan metode pengukuran dan sistem 2. Establishing the use of risk management measurement
informasi manajemen risiko; methods and information systems;
3. Menentukan limit dan penetapan toleransi risiko; 3. Determining limits and establishing risk tolerance;
4. Menetapkan sistem pengendalian internal dalam 4. Establishing an internal control system in the implementation
penerapan manajemen risiko; of risk management;
5. Menetapkan penilaian peringkat risiko; 5. Establishing a risk rating assessment;
6. Memberikan rekomendasi dalam penyusunan rencana 6. Providing recommendations in the preparation of
darurat (contingency plan); dan contingency plans; and
7. Melakukan kajian dan rekomendasi terhadap setiap 7. Conducting reviews and recommendations on any existing
pengembangan produk/aktivitas yang ada maupun yang or new product/activity development.
baru.
Komposisi personel Direktorat Risk Management Bank Artha The personnel composition of Bank Artha Graha Internasional’s
Graha Internasional pada akhir tahun 2024 terdiri dari 12 (dua Risk Management Directorate at the end of 2024 consists
belas) orang, yang terdiri dari 1 (satu) orang Deputy Director, of 12 (twelve) people, consisting of 1 (one) Deputy Director, 2
2 (dua) orang Executive Officer dan 8 (delapan) orang staf. (two) Executive Officer and 8 (eight) staff. All Risk Management
Seluruh personel Direktorat Risk Management diangkat dan Directorate personnel are appointed and dismissed based on
diberhentikan berdasarkan keputusan Direksi Bank. the decision of the Bank’s Board of Directors.
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATION
Bank juga mengikutsertakan jajaran manajemen untuk The Bank also encourages its management to participate in the
berpartisipasi dalam Program Sertifikasi dan Resertifikasi risk management certification program (BSMR) and refreshment
Manajemen Risiko, Program Penyelarasan serta Pemeliharaan program. Information related to risk management certification
Sertifikasi Manajemen Risiko. Informasi terkait sertifikasi in 2024 is as follows:
manajemen risiko di tahun 2024 sebagai berikut:
Jabatan Level Sertifikasi Jumlah Peserta
Position Certification Level Number of Participants
Jenjang 6 dan Jenjang 7 3 orang
Level 6 and Level 7 3 people
Dewan Komisaris
Board of Commissioners
Program Penyelarasan 1 orang
Alignment Program 1 person
Jenjang 7 5 orang
Level 7 5 people
Direksi
Board of Directors
Program Penyelarasan 4 orang
Alignment Program 4 people
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Jabatan Level Sertifikasi Jumlah Peserta
Position Certification Level Number of Participants
Jenjang 4-5 14 orang
Levels 4-5 14 people
Deputy Director Jenjang 6-7 12 orang
Deputy Director Levels 6-7 12 people
Program Pemeliharaan 7 orang
Maintenance Program 7 people
PELAKSANAAN KEGIATAN MANAJEMEN IMPLEMENTATION OF RISK MANAGEMENT
RISIKO ACTIVITIES
Manajemen risiko telah melaksanakan beberapa kegiatan yang Risk Management carried out a number of activities under its
menjadi tugas dan tanggung jawabnya di sepanjang tahun duties and responsibilities throughout 2024, as follows:
2024 sebagai berikut:
1. Penilaian Profil Risiko dan evaluasi perkembangannya; 1. Assessment of the Risk Profile and evaluation of its
development;
2. Pengukuran KPMM sesuai Profil Risiko; 2. Measurement of the Capital Adequacy Ratio (CAR) in
accordance with the Risk Profile;
3. Pengukuran Risiko IT; 3. Measurement of IT Risk;
4. Pengukuran risiko portofolio kredit Bank; 4. Measurement of the Bank’s credit portfolio risk;
5. Pengukuran stress testing risiko kredit, risiko pasar (risiko 5. Stress testing for credit risk, market risk (exchange rate
nilai tukar dan risiko suku bunga) dan risiko likuiditas risk and interest rate risk), and liquidity risk using scenarios
dengan skenario sesuai peraturan OJK dan/atau best based on OJK regulations and/or best practices, including
practice, termasuk penyampaian mitigasinya; submission of mitigation plans;
6. Pemantauan perkembangan NPL, CKPN, Write Off dan 6. Monitoring of developments in NPL, ECL, Write-Offs, and
AYDA; Foreclosed Assets (AYDA);
7. Penurunan eksposur rasio Kredit Kualitas Rendah (KKR)/ 7. Reduction of exposure to Low-Quality Credit (LQC)/Loan
Loan at Risk (LaR); at Risk (LaR) ratios;
8. Tinjauan risiko dan Rekomendasi sektor ekonomi prioritas 8. Risk review and recommendations for priority economic
tahun 2025; sectors in 2025;
9. Pemantauan pelaksanaan Mark to Market (MtM) atas Surat 9. Monitoring of Mark-to-Market (MtM) implementation for
Berharga yang dimiliki Bank termasuk Transaksi Money securities held by the Bank, including Money Market
Market, Transaksi Forex, Posisi Devisa Netto (PDN) dan Transactions, Forex Transactions, Net Open Position (NOP),
eksposur Surat Berharga; and securities exposures;
10. Pemantauan pemenuhan Giro Wajib Minimum (GWM), 10. Monitoring compliance with the Minimum Reserve
Penyangga Likuiditas Makroprudensial (PLM), Net Stable Requirement (GWM), Macroprudential Liquidity Buffer
Funding Ratio (NSFR), Liquidity Coverage Ratio (LCR), (PLM), Net Stable Funding Ratio (NSFR), Liquidity Coverage
Rasio Intermediasi Makroprudensial (RIM) termasuk Ratio (LCR), Macroprudential Intermediation Ratio (RIM),
perkembangan Dana Pihak Ketiga (DPK) dan Aset Likuid including developments in Third-Party Funds (TPF) and
Bank; the Bank’s Liquid Assets;
11. Validasi insentif Penyangga Likuiditas Makroprudensial 11. Validation of Macroprudential Liquidity Buffer (PLM)
(PLM) dari Bank Indonesia (PLM); incentives from Bank Indonesia;
12. Review dan analisa risiko yang melekat pada produk atau 12. Review and analysis of risks inherent in new products or
aktivitas baru; activities;
13. Review dan analisa permohonan deviasi Kantor Cabang/ 13. Review and analysis of deviation requests submitted by
Unit Kerja terkait terhadap ketentuan internal yang berlaku; Branch Offices/Work Units related to applicable internal
regulations;
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14. Penyampaian mitigasi risiko dari seluruh pemantauan dan 14. Submission of risk mitigation actions from all monitoring
review yang telah dilakukan; and reviews conducted;
15. Pemenuhan tindak lanjut komitmen kepada OJK; 15. Fulfillment of follow-up commitments to OJK;
16. Sosialisasi dan edukasi Budaya Risiko (Risk Culture) kepada 16. Socialization and education of Risk Culture to all branch
seluruh Risk Officer cabang dan KPNO; dan Risk Officers and Head Office; and
17. Pembuatan Aplikasi Operational Risk Management (ORM). 17. Development of an Operational Risk Management (ORM)
Application.
PENGEMBANGAN KOMPETENSI MANAJEMEN R I S K M A N AG E M E N T C O M P E T E N CY
RISIKO DEVELOPMENT
Dalam rangka mendukung kinerja dan menambah wawasan In order to support the performance and broaden the
pengelola manajemen risiko, Bank Artha Graha Internasional knowledge of risk management managers, Bank Artha Graha
mengikutsertakan personel dalam berbagai pelatihan, Internasional participates personnel in various trainings,
workshop dan seminar. Pengembangan kompetensi yang workshops and seminars. Competency development programs
telah diikuti selama tahun 2024, yaitu: that were participated in 2024 include:
Materi Pengembangan Kompetensi/Latihan Waktu dan Tempat Pelaksanaan
Competency Development Materials/Training Time and Venue
Pembekalan & Ujian Sertifikasi Manajemen Risiko Jenjang 4 Jakarta, 28-29 dan 31 Mei 2024
Risk Management Certification Training & Exam Level 4 Jakarta, May 28-29 and 31, 2024
Workshop Laporan Resolusi (LPS) & Recovery (OJK) Jakarta, 21-22 September 2024
Resolution (LPS) & Recovery (OJK) Report Workshop Jakarta, September 21-22, 2024
Financial Risk Manager (FRM) - Preparation Program Jakarta, 6 Februari-18 April 2024
Financial Risk Manager (FRM) - Preparation Program Jakarta, February 6-April 18, 2024
Seminar Penyelarasan Manajemen Risiko - Jenjang 7 Jakarta, 7-8 Maret 2024
Risk Management Alignment Seminar - Level 7 Jakarta, March 7-8, 2024
Seminar ESG Revolution Jakarta, 28 Agustus 2024
ESG Revolution Seminar Jakarta, August 28, 2024
The 19th Indonesia HR EXPO Jakarta, 11-12 Desember 2024
The 19th Indonesia HR EXPO Jakarta, December 11-12, 2024
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PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN
MANAJEMEN RISIKO
Disclosure of Risk Exposure and Implementation of Risk Management
RISIKO KREDIT CREDIT RISK
Risiko kredit adalah risiko yang timbul akibat kegagalan pihak Credit risk refers to the risk arising from the failure of other
lain dalam memenuhi kewajiban kepada Bank, seperti risiko parties to fulfill their obligations to the Bank, including risks
akibat kegagalan debitur, risiko konsentrasi kredit, counterparty stemming from borrower defaults, credit concentration,
credit risk, dan settlement risk. counterparty credit risk, and settlement risk.
Pengungkapan Umum General Disclosure
1. Kebijakan pengelolaan risiko konsentrasi kredit 1. Credit concentration risk management policy
Rencana Bisnis Bank menjelaskan kebijakan terkait The Bank’s Business Plan outlines the Bank’s credit risk
pengelolaan risiko kredit Bank termasuk kebijakan management policy, including exposure limit policies
pembatasan eksposur yang ditetapkan setiap tahun established annually by economic sector, purpose of use,
per sektor ekonomi, jenis penggunaan, wilayah kerja, operational area, and sectors of concern or to be avoided.
serta sektor yang menjadi perhatian dan perlu dihindari. In this regard, the Risk Management Directorate conducts
Terkait hal tersebut, Direktorat Risk Management credit portfolio risk calculations and analysis based on Legal
melakukan perhitungan serta analisis risiko portofolio Lending Limit (LLL), economic sector, business location,
kredit berdasarkan BMPK, sektor ekonomi, letak usaha and Non-Performing Loan (NPL) exposures, and reports
dan eksposur kredit Non-Performance Loan (NPL), serta the results to management on a regular basis.
melaporkannya kepada manajemen secara periodik.
2. Mekanisme pengukuran dan pengendalian risiko kredit 2. Credit risk measurement and control mechanisms
Direktorat Risk Management melakukan pengukuran risiko Credit risk measurement and control mechanism The Risk
kredit melalui analisis profil risiko kredit yang dilaporkan Management Directorate measures credit risk through
kepada Otoritas Jasa Keuangan, Direksi dan Komite credit risk profile analysis which is reported to the Financial
Manajemen Risiko secara periodik. Bank menggunakan Services Authority, Board of Directors and Risk Management
pendekatan standar (standardized approach), sesuai Committee periodically. The Bank uses a standardized
dengan ketentuan Bank Indonesia untuk mengukur approach, in accordance with Bank Indonesia regulations, to
kecukupan modal risiko kredit. Sistem pemeringkatan measure credit risk capital adequacy. The rating system used
(rating system) yang digunakan berupa Credit Risk Rating is in the form of Credit Risk Rating (CRR) and Credit Risk
(CRR) dan Credit Risk Scoring yang menjadi salah satu alat Scoring which is one of the tools to help decide productive
bantu memutus kredit produktif dan konsumtif. and consumptive loans.
3. Definisi tagihan yang telah jatuh tempo dan tagihan yang 3. Definition of overdue receivables and receivables with
mengalami penurunan nilai (impairment) impairment
Tagihan yang jatuh tempo akan mengalami penurunan Overdue receivables will undergo impairment. If objective
nilai/impairment. Jika bukti objektif dan management’s evidence and management’s expert judgment indicate
expert judgement mengindikasikan bahwa Bank Tagihan that the Bank’s overdue receivables will experience
yang jatuh tempo akan mengalami penurunan nilai/ impairment, or if objective evidence and management’s
impairment. Jika bukti objektif dan management’s expert expert judgment suggest that the Bank will not recover the
judgement mengindikasikan bahwa Bank tidak akan financial assets provided according to the timeline specified
memperoleh kembali aset keuangan yang diberikan sesuai in the contractual agreement.
jangka waktu yang ditetapkan dalam kontrak perjanjian.
Upaya Mitigasi Mitigation Efforts
Pedoman Kebijakan Perkreditan Bank dan Pedoman Kebijakan The Bank’s Credit Policy Guidelines and Credit Risk Management
Manajemen Risiko Kredit Bank mengatur upaya mitigasi yang Policy Guidelines regulate the mitigation efforts for credit risk,
dilakukan untuk risiko kredit yang harus dijalankan oleh which must be implemented by all work units involved in credit
seluruh unit kerja yang terlibat dalam pengelolaan risiko kredit. risk management. These policies are implemented through:
Pelaksanaan kebijakan tersebut dilakukan dengan:
1. Menetapkan kembali risk appetite, risk tolerance dan risk 1. Reestablishing the Bank’s credit risk appetite, risk tolerance,
limit di bidang perkreditan Bank; and risk limits;
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2. Melakukan kajian risiko atas sektor ekonomi/industri yang 2. Conducting periodic risk assessments on the economic
akan dibiayai oleh Bank secara periodik; dan sectors/industries financed by the Bank;
3. Melakukan monitoring terhadap perkembangan risiko 3. Monitoring credit concentration risk developments based
konsentrasi kredit berdasarkan BMPK, Sektor Ekonomi on LLL, economic sectors, and geographical sectors on a
dan Sektor Geografi secara periodik. regular basis.
RISIKO PASAR MARKET RISK
Risiko pasar merupakan risiko yang timbul akibat posisi Market risk refers to the risk of loss due to changes in market
neraca dan rekening administratif, termasuk transaksi derivatif, conditions affecting balance sheet positions and off-balance
mengalami perubahan akibat dari kondisi pasar, termasuk risiko sheet items, including derivative transactions and option price
perubahan harga option. Risiko ini dikelola oleh Sub Direktorat movements. This risk is managed by the Sub-Directorate
Credit Risk & ESG yang bertanggung jawab untuk melakukan of Credit Risk & ESG, which is responsible for identifying,
identifikasi, kajian, analisis, penilaian, peninjauan, pemantauan reviewing, analyzing, assessing, monitoring, and controlling the
dan pengendalian risiko pasar yang dihadapi Bank. Bank’s market risk exposure.
Selama tahun 2024, Bank telah melakukan kegiatan In 2024, the Bank managed interest rate and exchange rate
pengelolaan atas risiko suku bunga dan risiko nilai tukar, yang risks as part of its overall market risk management. Exchange
merupakan bagian dari risiko pasar. Pengelolaan risiko nilai tukar rate risk management complies with the Net Open Position
dilakukan dengan berpedoman pada batas Posisi Devisa Neto (NOP) limit regulations set by the Financial Services Authority,
sesuai peraturan Otoritas Jasa Keuangan, di mana Bank wajib under which the Bank must maintain a daily NOP not exceeding
mengelola dan memelihara PDN paling tinggi sebesar 20% 20% of its capital. The Sub-Directorate of Credit Risk & ESG
dari modal Bank secara harian. Terkait hal ini, Sub Direktorat conducts periodic NOP monitoring and reports to management
Credit Risk & ESG melakukan pemantauan terhadap posisi PDN accordingly, including:
secara periodik dan melaporkannya kepada Manajemen secara
periodik sebagaimana diuraikan sebagai berikut:
1. Hasil pemantauan risiko secara periodik maupun 1. Periodic risk monitoring results and capital adequacy
perhitungan kecukupan modal, baik pada banking book calculations for both banking book and trading book;
maupun trading book;
2. Hasil pengukuran profil risiko pasar setiap bulan untuk 2. Monthly market risk profile measurements to assess risk
melihat posisi dan kecenderungan risiko pasar, terutama levels and trends, especially in the event of increased risk
jika terjadi peningkatan risiko dan parameter-parameter or changes in influencing parameters. Daily market risk
yang memengaruhi. Pemantauan risiko pasar dilakukan monitoring is also conducted on treasury transactions
pula terhadap transaksi oleh Direktorat Treasury secara by the Treasury Directorate and reported periodically to
harian dan dilaporkan secara periodik kepada manajemen; management;
3. Hasil pemantauan limit transaksi trading treasury dan 3. Monitoring of trading and counterparty transaction limits;
counterpart;
4. Langkah-langkah dan rencana dalam mengantisipasi risiko 4. Plans and measures to anticipate market risk related to
pasar atas transaksi mata uang asing dilakukan baik karena foreign exchange transactions, including fluctuations in
perubahan kurs maupun fluktuasi suku bunga, termasuk exchange rates or interest rates, and disclosures of all
penjelasan mengenai semua penyediaan dana dan ikatan unhedged exposures and floating rate or non-predefined
tanpa proteksi atau lindung nilai, serta utang yang suku liabilities; and
bunganya berfluktuasi atau yang tidak ditentukan terlebih
dahulu; dan
5. Pengungkapan informasi mengenai Interest Rate Risk in 5. Disclosures related to Interest Rate Risk in the Banking Book
Banking Book (IRRBB), termasuk asumsi yang digunakan (IRRBB), including assumptions used in IRRBB monitoring
dalam pemantauan IRRBB seperti perilaku non-maturity such as non-maturity deposit behavior, prepayment
deposit dan informasi prepayment serta frekuensi information, and frequency of IRRBB assessments, in line
pengukuran IRRBB sebagaimana diatur dalam ketentuan with risk management implementation regulations for
mengenai penerapan manajemen risiko bagi Bank Umum. commercial banks.
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Upaya Mitigasi Mitigation Efforts
Pengelolaan risiko suku bunga Bank dilakukan terhadap trading The Bank’s interest rate risk management is carried out on the
book dan banking book. Pengelolaan risiko suku bunga trading trading book and banking book. Trading book interest rate risk
book dilakukan melalui analisis dan pengendalian risiko serta management is conducted through risk analysis and control
penetapan limit dan pemantauan limit secara harian untuk as well as setting limits and monitoring limits on a daily basis
aktivitas trading, yang meliputi transaksi money market, foreign for trading activities, which include money market transactions,
exchange, dan surat-surat berharga. Di sisi lain, Bank melakukan foreign exchange, and securities. On the other hand, the
analisis repricing gap antara risk sensitive asset dan risk sensitive Bank analyzes the repricing gap between risk sensitive assets
liabilities untuk pengelolaan risiko suku bunga banking book. and risk sensitive liabilities for banking book interest rate risk
management.
RISIKO LIKUIDITAS LIQUIDITY RISK
Risiko likuiditas timbul akibat ketidakmampuan Bank untuk Liquidity risk arises from the Bank’s inability to meet maturing
memenuhi kewajiban yang jatuh tempo dari sumber pendanaan obligations from cash flow funding sources and/or from
arus kas dan/atau dari aset likuid berkualitas tinggi yang dapat high quality liquid assets that can be collateralized, without
diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan disrupting the Bank’s activities and financial condition. The
Bank. Sub Direktorat Credit Risk & ESG melakukan pengelolaan Sub-Directorate of Credit Risk & ESG manages liquidity risk
atas risiko likuiditas melalui proses identifikasi, pengukuran, through a process of identification, measurement, assessment,
kajian, analisis, pemantauan dan pengendalian risiko likuiditas analysis, monitoring and control of liquidity risk faced by the
yang dihadapi Bank. Bank.
Upaya Mitigasi Mitigation Measures
Bank melakukan upaya mitigasi risiko dengan cara sebagai The Bank implements the following measures to mitigate
berikut: liquidity risk:
1. Melakukan pengukuran profil risiko likuiditas setiap bulan 1. Conducting monthly liquidity risk profile assessments to
yang menggambarkan posisi dan kecenderungan risiko provide a continuous view of the Bank’s liquidity risk position
likuiditas Bank secara berkesinambungan, sehingga and trends, serving as an early warning indicator in case
menjadi indikator peringatan dini, jika Bank mulai of emerging liquidity issues;
mengalami permasalahan likuiditas;
2. Melakukan pemantauan terhadap hasil pengukuran dan 2. Monitoring the results of assessments and the fulfillment of
pelaksanaan pemenuhan kebutuhan likuiditas harian the Bank’s daily liquidity requirements, both for the primary
Bank, baik primary reserve maupun secondary reserve. reserve and the secondary reserve. Secondary reserve
Secondary reserve dilakukan dengan lebih hati-hati sejalan management is carried out more prudently in line with the
dengan kondisi Rasio Intermediasi Makroprudensial (RIM) condition of the Macroprudential Intermediation Ratio (RIM)
dan behavior penarikan dana oleh Nasabah, sehingga and customer fund withdrawal behavior, ensuring overall
kondisi likuiditas secara keseluruhan dapat tetap terjaga; liquidity remains well-maintained; and
dan
3. Melakukan pemantauan kecukupan Net Stable Funding 3. Monitoring the adequacy of the Net Stable Funding Ratio
Ratio (NSFR) periodik triwulan dan kecukupan Liquidity (NSFR) on a quarterly basis and the Liquidity Coverage Ratio
Coverage Ratio (LCR) dari rata-rata rasio LCR selama satu (LCR) based on the average LCR for the current month.
bulan periode berjalan.
Mekanisme pengukuran risiko likuiditas dilakukan menggunakan Liquidity risk is measured using tools such as cash flow
alat ukur, seperti proyeksi arus kas, profil maturitas, dan stress projections, maturity profiles, and stress testing, including
testing, termasuk pelaksanaan simulasi rencana pendanaan simulations of the contingency funding plan, in accordance
darurat (contingency funding plan) sesuai dengan ketentuan with regulatory requirements and/or prevailing best practices.
Regulator dan/atau praktisi terbaik yang ada, klasifikasi asset This also includes the classification of the Bank’s assets that
bank yang masuk ke dalam High Quality Liquid Asset (HQLA). qualify as High-Quality Liquid Assets (HQLA).
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Strategi pendanaan, pengelolaan posisi likuiditas, risiko Funding strategies, liquidity position management, daily
likuiditas harian, pengelolaan aset likuid berkualitas tinggi liquidity risk monitoring, management of high-quality and
dan marketable, serta simulasi rencana pendanaan darurat marketable liquid assets, as well as contingency funding plan
dilakukan untuk mengendalikan risiko likuiditas. Pengelolaan simulations, are carried out to control liquidity risk. Liquidity risk
risiko likuiditas diselenggarakan melalui rapat ALCO yang management is conducted through monthly and ongoing Asset
dilakukan setiap bulan dan berkelanjutan. and Liability Committee (ALCO) meetings.
RISIKO OPERASIONAL OPERATIONAL RISK
Risiko operasional timbul akibat tidak cukupnya dan/atau tidak Operational risk arises from the inadequacy and/or failure
berfungsinya proses internal, kesalahan manusia, kegagalan of internal processes, human error, system failure, and/or
sistem dan/atau adanya kejadian-kejadian eksternal yang external events that affect the Bank’s operations. Operational
memengaruhi operasional Bank. Pengelolaan risiko operasional risk management also covers four other risk types—legal risk,
juga mencakup 4 risiko lainnya, yaitu risiko hukum, risiko reputational risk, strategic risk, and compliance risk—which are
reputasi, risiko stratejik dan risiko kepatuhan yang dikelola managed by the Sub-Directorate of Non Credit Risk.
oleh Sub Direktorat Non Credit Risk.
Upaya Mitigasi Mitigation Measures
Upaya mitigasi yang dilakukan Bank adalah sebagai berikut: The Bank’s mitigation efforts are as follows:
1. Melakukan pencatatan potensi kerugian oleh Sub 1. Sub-Directorate of Non Credit Risk potential losses within
Direktorat Non Credit Risk pada satuan kerja operasional operational work units on a periodic basis through the Loss
secara periodik melalui aplikasi Tools Loss Event dan Event and Potential Loss Event tools, which have been
Potential Loss Event yang telah diimplementasikan secara implemented online across all branches. The loss database
online di seluruh cabang. Pengelolaan database kerugian serves as one of the data inputs for assessing the Bank’s
menjadi salah satu data input dalam penilaian parameter operational risk profile parameters;
profil risiko operasional;
2. Development aplikasi Operational Risk Management (ORM) 2. Development of the Operational Risk Management (ORM)
yang didalamnya mencakup modul Risk and Control Self application, which includes modules for Risk and Control
Assesment (RCSA), Loss Event Database (LED) dan Key Self-Assessment (RCSA), Loss Event Database (LED), and
Risk Indicator (KRI) untuk mengidentifikasi kelemahan- Key Risk Indicators (KRI), to identify weaknesses in the
kelemahan sisi operasional Bank; dan Bank’s operational activities;
3. Melaksanakan pemantauan terhadap perkembangan 3. Monitoring the development of the Bank’s operational
profil risiko operasional melalui identifikasi faktor- risk profile through identification of factors causing
faktor penyebab kerugian operasional yang terjadi dan operational losses and providing recommendations to
memberikan rekomendasi kepada satuan kerja operasional relevant operational units for mitigating future risk events.
terkait dalam melakukan mitigasi kejadian risiko di masa
mendatang.
Sub Direktorat Non Credit Risk juga melakukan analisis, Sub-Directorate of Non Credit Risk also analyzes, assesses,
penilaian, tinjauan, dan pemantauan terhadap hal-hal berikut: reviews, and monitors the following:
1. Pemantauan dan analisis terhadap kejadian-kejadian fraud 1. Monitoring and analysis of fraud incidents that occur in other
yang terjadi di bank lain melalui berbagai media untuk banks through various media to be analyzed, reviewed,
dianalisis, dikaji, serta dibuatkan summary dan mitigasi and made a summary and risk mitigation to all branches
risikonya ke seluruh cabang melalui Direktorat terkait, through the relevant Directorate so that fraud incidents in
sehingga kejadian fraud di bank lain tersebut agar tidak other banks do not occur in the Bank;
terjadi pada Bank;
2. Analisis dan p enilaian terhadap p ermohonan 2. Analysis and assessment of requests for deviations from
penyimpangan ketentuan operasi yang diajukan oleh operating regulations submitted by the relevant Branches/
Cabang/Direktorat terkait sesuai batasan yang ditetapkan Directorates within the limits set by the Board of Directors;
oleh Direksi;
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3. Pemantauan terhadap risiko TI yang melekat pada aktivitas 3. Monitoring of IT risks inherent in activities carried out by
yang dilakukan oleh Direktorat IT dan Direktorat Digital the SKTI Directorate and Channel & Payment System Sub-
Product secara periodik; Directorate on a periodic basis;
4. Tinjauan risiko terhadap rencana produk/aktivitas baru 4. Risk review of new product/activity plans related to the
terkait dengan penggunaan TI; use of IT;
5. Analisis dan penilaian atas proses UAT untuk 5. Analysis and assessment of the UAT process for the
pengembangan produk atau aktivitas yang telah ada development of existing products or activities as well as
maupun rencana penerbitan produk atau aktivitas baru; plans for the issuance of new products or activities; and
dan
6. Penilaian terhadap IT Risk Register yang merupakan 6. Assessment of the IT Risk Register which is part of the IT Risk
bagian dari Laporan Penerapan Manajemen Risiko TI Management Implementation Report submitted by the SKTI
yang disampaikan oleh Direktorat IT ke Otoritas Jasa Directorate to the Financial Services Authority every year.
Keuangan setiap tahun.
RISIKO HUKUM LEGAL RISK
Risiko hukum merupakan risiko yang timbul akibat tuntutan Legal risk refers to the risk arising from legal claims and/or
hukum dan/atau kelemahan aspek yuridis. Kelemahan aspek ini weaknesses in legal aspects. These weaknesses may be due to
disebabkan adanya ketiadaan peraturan perundang-undangan the absence of supporting laws and regulations or deficiencies
yang mendukung atau kelemahan perikatan, seperti tidak in contractual arrangements, such as the failure to meet the
terpenuhi syarat sahnya kontrak dan pengikatan dokumen legal requirements for valid contracts or the improper execution
yang tidak sempurna. of legal documents.
Mekanisme Pengendalian Risiko Hukum Legal Risk Control Mechanism
Bank memantau perkembangan kasus-kasus hukum yang The Bank monitors the development of ongoing legal cases
terjadi dan mengambil lesson learn dari kasus tersebut untuk and derives lessons learned to enhance legal risk management.
pengelolaan risiko hukum. Bank senantiasa melakukan The Bank consistently assesses the potential financial impact,
perhitungan potensi kerugiannya, baik penyelesaian kasus whether cases are settled amicably or pursued through legal
secara musyawarah mufakat/damai ataupun melalui jalur proceedings. Special attention is given to legal cases with
pengadilan untuk penanganan kasus hukum. Bank juga the potential to result in significant financial losses. Legal
memberikan perhatian khusus atas kasus hukum yang risk profile assessments are conducted in accordance with
berpotensi menimbulkan kerugian secara signifikan. Penilaian applicable Financial Services Authority (OJK) regulations and
profil risiko hukum dilakukan berpedoman pada peraturan are submitted to the OJK in a timely manner, alongside other
Otoritas Jasa Keuangan yang berlaku dan telah disampaikan risk profiles.
kepada Otoritas Jasa Keuangan secara tepat waktu, bersamaan
dengan profil risiko lainnya.
Upaya Mitigasi Mitigation Measures
Legal Bureau Bank Artha Graha Internasional melakukan The Legal Bureau of Bank Artha Graha Internasional manages
pengelolaan risiko hukum dengan mitigasi sebagai berikut: legal risk through the following mitigation measures:
1. Melakukan analisis hukum atas produk dan/atau aktivitas 1. Conducting legal analysis for new products and/or activities,
baru, serta membuat standar dokumen hukum yang terkait and preparing standard legal documentation related to
dengan produk dan/atau aktivitas tersebut; such products and/or activities;
2. Memeriksa segala perjanjian yang akan dibuat antara 2. Reviewing all agreements to be entered into between the
Bank dengan pihak ketiga; Bank and third parties;
3. Melakukan pemeriksaan berkala atas perjanjian yang 3. Performing regular reviews of existing agreements; and
telah dibuat; dan
4. Memantau risiko hukum yang ada di seluruh cabang dan 4. Monitoring legal risks across all Bank branches and work
unit kerja Bank. units.
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Direktorat Asset Recovery dan Sub Direktorat Litigasi Bank The Bank’s Asset Recovery Directorate and Litigation Sub-
berfungsi menangani setiap permasalahan hukum yang terkait Directorate are responsible for handling all legal matters related
dengan litigasi agar risiko hukum yang mungkin timbul dapat to litigation in order to minimize potential legal risks.
diminimalkan.
RISIKO STRATEJIK STRATEGIC RISK
Risiko Stratejik merupakan risiko yang timbul akibat Strategic risk arises from inaccurate strategic decision-making
ketidaktepatan dalam pengambilan dan/atau pelaksanaan and/or execution, as well as the failure to anticipate changes in
keputusan strategis, serta kegagalan dalam mengantisipasi the business environment. Inadequate strategic planning by the
perubahan lingkungan bisnis. Ketidaktepatan Bank dalam Bank may lead to future business failure.
melakukan penyusunan strategi yang tepat dapat menimbulkan
kegagalan bisnis Bank dimasa yang akan datang.
Kebijakan untuk Dapat Mengidentifikasi dan Policies to Identify and Respond to Changes in
Merespons Perubahan Lingkungan Bisnis Ekstern External and Internal Business Environment
dan Intern
Bank menetapkan sasaran dan strategi dengan melakukan The Bank sets its goals and strategies by analyzing various
analisis terhadap berbagai faktor internal dan eksternal. internal and external factors. Internal factors are assessed
Analisis faktor-faktor Internal menggunakan SWOT dengan using a SWOT analysis, mapping out strengths, weaknesses,
memetakan kekuatan (strength), kelemahan (weakness), peluang opportunities, and threats. External factors are analyzed by
(opportunity), dan ancaman (threats). Sedangkan, analisis faktor taking into account evolving domestic and global conditions
eksternal dengan mempertimbangkan kondisi domestik dan and trends, including macroeconomic, political, and other
global yang sedang berkembang dan kecenderungannya, relevant factors, as well as assumptions established by the
baik dari faktor makro ekonomi, politik, dan faktor lainnya Bank. Therefore, the Bank must continuously monitor ongoing
serta asumsi-asumsi yang ditetapkan oleh Bank. Oleh karena developments and make necessary adjustments in response to
itu, Bank harus senantiasa mengikuti perkembangan yang changes in both the external and internal business environment.
ada dan melakukan penyesuaian yang diperlukan jika terjadi
perubahan lingkungan bisnis secara eksternal dan internal.
Mekanisme untuk Mengukur Kemajuan yang Mechanism to Measure Progress of the
Dicapai dari Rencana Bisnis yang Ditetapkan Established Business Plan
Pemantauan dan penilaian atas progres pencapaian Rencana Monitoring and evaluation of the Bank’s Business Plan (RBB)
Bisnis Bank (RBB) dilakukan setiap bulan dan menyampaikan progress are carried out monthly, including the establishment
penetapan pengukuran Key Performance Indicator (KPI) terkait and communication of Key Performance Indicators (KPIs)
pencapaian tersebut kepada seluruh unit kerja. Untuk target related to such progress to all work units. For RBB targets that
RBB yang belum tercapai, Bank melakukan analisis penyebab have not been achieved, the Bank conducts root cause analysis
atau hambatannya dan penetapan tindakan perbaikan yang and determines the necessary corrective actions to ensure
diperlukan, sehingga diharapkan dapat dipenuhi pada periode target fulfillment in the subsequent period.
berikutnya.
Upaya Mitigasi Mitigation Efforts
Sub Direktorat Non Credit Risk melakukan pengelolaan risiko Sub-Directorate of Non Credit Risk manages strategic risk
stratejik dengan mitigasi sebagai berikut: through the following mitigation efforts:
1. Melakukan identifikasi dan kuantifikasi risiko strategis 1. Identifying and quantifying strategic risks from the early
sejak awal penyusunan Rencana Bisnis Bank dengan stages of the Bank’s Business Plan preparation, guided by
berpedoman pada visi, misi, strategi serta kemampuan the company’s vision, mission, strategy, and capabilities;
perusahaan;
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Corporate Social Safety Responsibility
2. Mengelola risiko stratejik melalui proses pertimbangan dan 2. Managing strategic risk through collective and
pengambilan keputusan secara kolektif dan komprehensif comprehensive deliberation and decision-making within
di lingkungan Komite Manajemen Risiko, untuk selanjutnya the Risk Management Committee, to be further submitted
disampaikan ke Direksi; dan to the Board of Directors; and
3. Melakukan pemantauan terkait perkembangan eksposur 3. Monitoring developments in strategic risk exposure on a
risiko stratejik dilakukan setiap bulan dan disampaikan monthly basis, with results reported to the Board of Directors
kepada Direksi dan Komite Pemantau Risiko melalui and the Risk Monitoring Committee through the Bank’s
Laporan Profil Risiko Bank. Risk Profile Report.
RISIKO KEPATUHAN COMPLIANCE RISK
Risiko kepatuhan adalah risiko yang timbul akibat Bank tidak Compliance risk refers to the risk arising from the Bank’s inability
dapat mematuhi dan/atau tidak dapat melaksanakan peraturan to comply with and/or implement prevailing laws, regulations,
perundang-undangan dan ketentuan yang berlaku. Peraturan and applicable provisions. The laws and regulations governing
perundang-undangan dan ketentuan yang mengatur kewajiban the Bank’s obligations as a banking institution include:
Bank sebagai sebuah lembaga perbankan meliputi:
1. Self Assesment Tingkat Kesehatan Bank (TKB); 1. Bank Soundness Level Self-Assessment (TKB);
2. Pemenuhan Rasio Kewajiban Penyediaan Modal Minimum 2. Fulfillment of Minimum Capital Adequacy Ratio (CAR/
(KPMM); KPMM);
3. Kualitas Aset; 3. Asset Quality;
4. Pembentukan Cadangan Kerugian Penurunan Nilai 4. Establishment of Allowance for Impairment Losses (CKPN);
(CKPN);
5. Batas Maksimum Pemberian Kredit (BMPK); 5. Legal Lending Limit (BMPK);
6. Penerapan Tata Kelola yang Baik (GCG); 6. Implementation of Good Corporate Governance (GCG);
7. Posisi Devisa Neto (PDN); 7. Net Open Position (NOP/PDN);
8. Giro Wajib Minimum (GWM); 8. Statutory Reserve Requirements (GWM);
9. Rasio Intermediasi Makroprudensial (RIM); dan 9. Macroprudential Intermediation Ratio (RIM); and
10. Risiko lain yang terkait dengan Ketentuan Tertentu. 10. Other risks related to specific regulatory provisions.
Strategi Manajemen Risiko dan Efektivitas Risk Management Strategy and Effectiveness
Penerapan Manajemen Risiko untuk Risiko of Risk Management Implementation for
Kepatuhan Compliance Risk
Bank memastikan efektivitas penerapan manajemen risiko The Bank ensures the effectiveness of compliance risk
kepatuhan, antara lain yang berkaitan dengan: management implementation, among others relating to:
1. Kebijakan 1. Policy
a. Ketepatan penetapan limit risiko yang telah ditetapkan; a. Accuracy in setting risk limits;
b. Kebijakan manajemen risiko dengan arah dan strategi b. Alignment of risk management policies with the Bank’s
usaha Bank; business direction and strategy;
c. Penerapan kepatuhan, pengaturan tanggung jawab c. Implementation of compliance, including clear
dan akuntabilitas; accountability and responsibility arrangements;
d. Kebijakan mengecualikan suatu pengambilan keputusan d. Policies to address irregularities in decision-making; and
yang menyimpang (irregularities); dan
e. Penerapan kebijakan pengecekan kepatuhan melalui e. Regular implementation of compliance checks through
prosedur secara berkala. established procedures.
2. Prosedur 2. Procedures
a. Ketepatan waktu mengkomunikasikan kebijakan kepada a. Timely communication of policies to all employees across
seluruh Karyawan pada setiap jenjang organisasi; all organizational levels;
b. Kecukupan pengendalian terhadap pengembangan b. Adequate controls over new product development;
produk baru;
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c. Kecukupan laporan dan sistem data; c. Adequate reporting systems and data infrastructure;
d. Kecukupan pengawasan Dewan Komisaris dan Direksi d. Sufficient oversight by the Board of Commissioners and
Bank; Board of Directors;
e. Kecukupan pengendalian intern Bank, termasuk aspek e. Adequate internal control systems, including segregation
pemisahan fungsi dan pengendalian berlapis (dual of duties and dual control mechanisms;
control);
f. Sistem informasi manajemen yang tepat waktu dan f. Timely and effective management information systems;
tepat guna;
g. Efektivitas dari pengendalian terhadap akurasi, g. Effective controls to ensure the accuracy, completeness,
kelengkapan, dan integritas data; and integrity of data;
h. Kecukupan proses menginterpretasikan (penafsiran) h. Adequate processes for interpreting applicable laws
perundang-undangan dan ketentuan yang berlaku; and regulations;
i. Komitmen Bank untuk memastikan bahwa sumber i. The Bank’s commitment to ensuring the appropriate
daya Bank telah tepat dialokasikan untuk kepentingan allocation of resources for employee training and the
pelatihan Karyawan dan peningkatan budaya promotion of a compliance culture;
kepatuhan;
j. Identifikasi dan tindakan korektif yang tepat waktu j. Timely identification and corrective action in response to
terhadap pengaruh pelanggaran dan ketidakpatuhan regulatory violations or instances of non-compliance; and
terhadap perundang-undangan dan ketentuan yang
berlaku; dan
k. Kecukupan mengintegrasikan aspek kepatuhan pada k. Adequate integration of compliance considerations into
setiap tahap perencanaan Bank (corporate planning). all stages of the Bank’s corporate planning.
3. Human Capital 3. Human Capital
a. Ketepatan program kompensasi dan pengelolaan a. Appropriateness of compensation programs and
kinerja Karyawan dan pejabat Bank; performance management of Bank employees and officers;
b. Tingkat turnover Karyawan dan pejabat Bank yang b. Turnover rate of employees and Bank officials who
menduduki posisi yang strategis pada Bank (high risk occupy strategic positions in the Bank (high risk taking
taking unit); unit);
c. Kecukupan program pelatihan; c. Adequacy of training programs;
d. Kecukupan kompetensi Dewan Komisaris dan Direksi d. Adequacy of the competence of the Bank’s Board of
Bank; dan Commissioners and Directors; and
e. Tingkat pemahaman dan kesesuaian arah strategi usaha e. Level of understanding and suitability of business strategy
dengan risk tolerance. direction with risk tolerance.
4. Sistem Pengendalian 4. Control System
a. Efektivitas dan independensi fungsi audit dan Sub a. Effectiveness and independence of the audit function
Direktorat Non Credit Risk; and Sub-Directorate of Non Credit Risk;
b. Akurasi, kelengkapan, dan integritas laporan serta b. Accuracy, completeness, and integrity of reporting and
sistem informasi manajemen; management information systems;
c. Keberadaan sistem pemantauan terhadap irregularities c. Existence of monitoring systems for irregularities, capable
yang mampu mengidentifikasi dan mengukur of identifying and measuring increases in frequency and
peningkatan frekuensi dan jumlah eksposur risiko; exposure to risk;
d. Tingkat responsif Bank terhadap penyimpangan d. The Bank’s responsiveness to deviations from internal
kebijakan dan prosedur intern Bank; dan policies and procedures; and
e. Tingkat responsif Bank terhadap penyimpangan dalam e. The Bank’s responsiveness to weaknesses in the internal
sistem pengendalian internal Bank. control system.
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Corporate Social Safety Responsibility
Mekanisme untuk Pemantauan dan Pengendalian Mechanism for Monitoring and Controlling
Risiko Kepatuhan Compliance Risk
1. Melakukan langkah-langkah yang diperlukan untuk menjaga 1. Taking necessary steps to maintain compliance risk
eksposur kepatuhan sesuai limit toleransinya dan/atau exposure within tolerance limits and/or addressing increases
apabila terjadi peningkatan eksposur risiko kepatuhan, in compliance risk exposure, including:
antara lain:
a. Menerbitkan prosedur perihal kriteria dan batasan a. Issuing procedures regarding specific criteria and limits
tertentu yang ditetapkan oleh Direksi untuk menilai set by the Board of Directors to assess compliance with
unsur kepatuhannya terhadap perundang-undangan applicable laws and regulations, along with a checklist
dan peraturan Regulator yang berlaku berikut cheklist- for each credit application;
nya atas setiap permohonan kredit;
b. Melakukan monitoring terhadap ketepatan waktu b. Monitoring the timely submission of reports from the
penyampaian laporan Bank ke Regulator; Bank to regulators;
c. Pelatihan internal secara intensif terhadap kepatuhan c. Conducting intensive internal training on employee
Karyawan dan memastikan efektivitas pelatihan tersebut compliance and ensuring the effectiveness of the training
dengan melakukan pengujian pelatihan dan pemantauan by testing and monitoring performance during regular
kinerjanya dalam pelaksanaan tugas reguler; tasks;
d. Pelaksanaan tinjauan dan kajian terhadap kebijakan, d. Reviewing and evaluating policies, guidelines, and work
pedoman dan prosedur kerja untuk meyakinkan telah procedures to ensure they align with applicable laws
sesuai dengan perundang-undangan dan peraturan and regulations; and
Regulator yang berlaku; dan
e. Melakukan sosialisasi pemahaman risiko kepatuhan e. Continuously socializing compliance risk awareness
kepada seluruh jenjang organisasi Bank secara across all levels of the Bank’s organization.
berkesinambungan.
2. Bank melakukan sosialisasi budaya kepatuhan secara 2. The Bank continuously socializes a culture of compliance
terus-menerus dan berkesinambungan ke seluruh to all employees and organizational levels, guided by the
Karyawan dan jenjang organisasi dengan berpedoman company’s vision, mission, values, work programs, work
kepada visi, misi, nilai-nilai perusahaan, program kerja, culture, and Code of Conduct.
budaya kerja, dan Kode Etik perusahaan.
Upaya Mitigasi Mitigation Measures
Pengelolaan risiko kepatuhan dengan mitigasi sebagai berikut: Compliance risk management is mitigated through the following
measures:
1. Melakukan identifikasi dan pengelolaan risiko kepatuhan 1. Identifying and managing compliance risks from the outset
sejak awal dengan memberikan masukan kepada unit by providing input to business units and operational units in
bisnis serta unit operasional dalam hal pengembangan the development of new products and/or activities;
produk dan/atau aktivitas baru;
2. Melakukan penilaian terhadap kebijakan pedoman 2. Assessing internal policy guidelines and procedures
dan prosedur internal yang dimiliki dalam rangka to ensure that all external regulations are adequately
memastikan bahwa seluruh peraturan eksternal telah accommodated and complied with in their implementation;
disediakan akomodasi sedemikian rupa dan dipatuhi dalam
pelaksanaannya;
3. Melakukan pengawasan setiap bulan mengenai 3. Monitoring the developments of the Bank’s compliance
perkembangan eksposur risiko kepatuhan Bank dan risk exposure monthly, with results reported to the Board
hasilnya dilaporkan kepada Dewan Komisaris serta Direksi of Commissioners and the Board of Directors through the
melalui Laporan Profil Risiko Bank; dan Bank’s Risk Profile Report; and
4. Melakukan sosialisasi terkait peraturan yang berlaku 4. Conducting socialization on applicable regulations to all
kepada seluruh jajaran perusahaan melalui media online, levels of the company through online media, ensuring that
sehingga setiap unit kerja dapat melaksanakan tugas dan each work unit can carry out its duties and responsibilities
tanggung jawab sesuai dengan peraturan perusahaan. in accordance with company regulations.
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RISIKO REPUTASI REPUTATION RISK
Risiko reputasi timbul akibat adanya penurunan tingkat Reputational risk arises from a decline in stakeholder trust due
kepercayaan Pemangku Kepentingan akibat dari persepsi to negative perceptions of the Bank. The failure of the Bank
negatif terhadap Bank. Kegagalan Bank dalam menjaga to maintain its good reputation in the eyes of the public leads
reputasi baiknya di mata masyarakat menjadi penyebab to the emergence of these negative perceptions. A decrease
timbulnya persepsi negatif tersebut. Penurunan atau hilangnya or loss of customer trust in the Bank, which ultimately directly
kepercayaan Nasabah terhadap Bank yang pada akhirnya impacts performance, particularly in terms of business revenue
berdampak langsung pada kinerja, khususnya pada pendapatan and banking activity volume, occurs if this risk persists.
usaha dan volume aktivitas Bank terjadi apabila risiko ini terus
berlanjut.
Kebijakan dan Mekanisme Risiko Reputasi Reputation Risk Policy and Mechanism
Penerapan manajemen risiko untuk risiko reputasi Bank The implementation of risk management for the Bank’s
mencakup: reputational risk includes:
1. Pengawasan aktif Direksi dan Dewan Komisaris; 1. Active supervision by the Board of Directors and the Board
of Commissioners;
2. Kecukupan kebijakan dan prosedur manajemen risiko 2. Adequacy of risk management policies and procedures, as
serta penetapan limit risiko reputasi; well as the establishment of reputational risk limits;
3. Kecukupan proses identifikasi, pengukuran, pemantauan 3. Adequacy of processes for identifying, measuring,
dan pengendalian risiko reputasi serta sistem informasi monitoring, and controlling reputational risks, along with
manajemen risiko reputasi; dan a reputational risk management information system; and
4. Sistem pengendalian intern yang menyeluruh. 4. A comprehensive internal control system.
Kebijakan Bank dalam Melaksanakan Manajemen Bank’s Policy on Reputation Risk Management
Risiko Reputasi
1. Bank mempunyai kebijakan dan prosedur tertulis yang 1. The Bank has written policies and procedures that adhere
memenuhi prinsip-prinsip transparansi dalam rangka to the principles of transparency in order to improve
meningkatkan kualitas pelayanan kepada Nasabah dan service quality to customers and other stakeholders,
Pemangku Kepentingan lainnya untuk mengendalikan risiko aiming to control reputational risks. These policies align
reputasi, di mana kebijakan tersebut telah sejalan dengan with the relevant laws and regulations governing customer
ketentuan dan/atau peraturan perundang-undangan yang protection;
mengatur mengenai perlindungan Nasabah;
2. Bank memiliki dan melaksanakan kebijakan komunikasi 2. The Bank has and implements an appropriate communication
yang tepat dalam rangka menghadapi berita atau publikasi policy to address negative news or publications or prevent
yang bersifat negatif atau mencegah informasi yang counterproductive information, including by applying
cenderung kontra produktif, antara lain dengan cara effective media strategies to handle negative news; and
menerapkan strategi penggunaan media yang efektif
untuk menghadapi berita negatif; dan
3. Bank mempunyai protokol khusus untuk pengelolaan 3. The Bank has specific protocols for reputational
reputasi pada saat krisis, sehingga dapat dengan cepat management during a crisis, enabling it to quickly anticipate
mengantisipasi peningkatan risiko reputasi pada saat krisis. and mitigate reputational risks during crises.
Mekanisme Manajemen Risiko Reputasi Bank Bank’s Reputation Risk Management Mechanism
1. Identifikasi risiko reputasi; 1. Identification of reputational risks;
2. Penilaian/pengukuran risiko reputasi; 2. Assessment/measurement of reputational risks;
3. Pemantauan risiko reputasi; dan 3. Monitoring of reputational risks; and
4. Pengendalian risiko reputasi, antisipasi dan mitigasi risiko 4. Control of reputational risks, anticipation, and mitigation
reputasi. of reputational risks.
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Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Penerapan manajemen risiko reputasi dituangkan dalam The implementation of reputational risk management is outlined
ketentuan internal Bank dalam Pedoman Manajemen Risiko in the Bank’s internal regulations under the Risk Management
tentang Manajemen Risiko Umum dan Manajemen Risiko Guidelines for General Risk Management and Reputational Risk
Reputasi. Management.
Upaya Mitigasi Mitigation Efforts
Corporate Secretary melakukan pengelolaan risiko reputasi The Corporate Secretary manages reputational risk with the
dengan mitigasi sebagai berikut: following mitigation steps:
1. Melakukan pengawasan terhadap pemberitaan media 1. Monitoring media coverage to track negative publicity or
untuk memantau publikasi negatif atau keluhan Nasabah customer complaints that appear in the media;
yang muncul di media;
2. Membuat klarifikasi dan tanggapan sesuai dengan langkah 2. Providing clarification and responses based on the best
terbaik yang ditempuh perusahaan apabila terdapat course of action the company takes if negative coverage
pemberitaan negatif dan keluhan Nasabah yang muncul or Customer complaints arise in the media;
di media;
3. Melakukan analisis risiko reputasi yang mungkin timbul, 3. Conducting reputational risk analysis that may emerge,
serta strategi untuk mengantisipasi risiko saat meluncurkan along with strategies to anticipate risks when launching
produk/layanan/program baru Bank; dan new products/services/programs of the Bank; and
4. Menyiapkan panduan untuk frontliner dan spokesperson 4. Preparing guidelines for frontliners and spokespersons to
agar dapat menjelaskan informasi secara benar dan ensure they provide accurate and proportional information
proporsional kepada Nasabah terkait informasi material to Customers regarding material or important information
atau yang penting untuk diketahui oleh Nasabah. that Customers should be aware of.
Kecukupan modal yang dimiliki Bank mampu mendukung The capital adequacy held by the Bank is sufficient to support its
jalannya bisnis dan telah sesuai dengan Rencana Bisnis Bank business operations and is in line with the Bank’s Business Plan
pada tahun 2024. Kecukupan modal Bank juga senantiasa for 2024. The Bank’s capital adequacy consistently exceeds the
melampaui ketentuan minimum Otoritas Jasa Keuangan, minimum requirements set by the Financial Services Authority,
di mana Bank termasuk dalam klasifikasi Kelompok Bank and the Bank is classified under the Core Capital Group 1 (KBMI
berdasarkan Modal Inti kategori 1 (KBMI 1) sampai dengan 1) category until the end of 2024.
akhir tahun 2024.
Bank harus juga dapat memberikan manfaat bagi seluruh The Bank must also generate value for all stakeholders by
pemangku kepentingan, dengan menjalankan program implementing the Corporate Social Safety Responsibility
Tanggung Jawab Sosial Pengamanan Perusahaan atau (CSSR) program. As a form of its commitment, the Bank
Corporate Social Safety Responsibility (CSSR). Sebagai wujud carries out CSSR programs that focus on environmental
komitmen, Bank menjalankan program CSSR yang berfokus preservation, disaster relief, community welfare, and community
pada bidang pelestarian lingkungan, penanggulangan empowerment. These CSSR programs are primarily directed at
bencana, sosial kemasyarakatan, pemberdayaan masyarakat. communities located in the Bank’s operational areas.
Program CSSR yang dijalankan Bank terutama ditujukan untuk
masyarakat yang berada di sekitar wilayah operasi Bank.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 415
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Sebagai sebuah perusahaan yang bergerak dalam bidang As a financial institution, the Bank is committed to implementing
perbankan, Bank telah berkomitmen dalam menerapkan sustainable finance programs as a means of supporting the
program keuangan berkelanjutan yang merupakan financial sector’s contribution to sustainable development. The
dukungan sektor keuangan dalam pencapaian pembangunan Bank is fully aware that the financial system can play a vital role
berkelanjutan. Bank sangat menyadari bahwa sistem keuangan in preventing the funding or investment in business activities
dapat mengambil peran penting dalam mencegah terjadinya that excessively exploit natural resources, which in turn can lead
praktik pendanaan atau investasi pada kegiatan usaha yang to social inequality and environmental degradation.
menggunakan sumber daya secara berlebihan, yang akhirnya
berdampak pada kesenjangan sosial dan mengakibatkan
kerusakan lingkungan hidup.
Bank Artha Graha Internasional secara berkala menyajikan Bank Artha Graha Internasional periodically discloses its
informasi tanggung jawab sosial dan lingkungan dalam social and environmental responsibility performance through
bentuk Laporan Keberlanjutan pada buku terpisah dalam a separate Sustainability Report, as part of its commitment to
rangka mendukung keberlanjutan ekonomi, sosial lingkungan, economic, social, and environmental sustainability, as well as
serta tata kelola Bank yang baik. Laporan tersebut, sesuai good corporate governance. This report refers to Circular Letter
dengan Surat Edaran Otoritas Jasa Keuangan (OJK) No. 16/ of the Financial Services Authority (OJK) No. 16/SEOJK.04/2021
SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan concerning the Form and Content of Annual Reports of Issuers
Emiten atau Perusahaan Publik, yaitu mengacu Peraturan or Public Companies, which is based on OJK Regulation
OJK No. 51/POJK.03/2017 tentang Penerapan Keuangan No. 51/POJK.03/2017 on the Implementation of Sustainable
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Finance for Financial Service Institutions, Issuers, and Public
Perusahaan Publik serta GRI (Global Reporting Initiative) Companies, and follows the Global Reporting Initiative (GRI)
Standard. Standards.
416 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Halaman ini sengaja dikosongkan.
This page is intentionally left blank.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 417
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Performance Highlights Management Reports Company Profile Management Discussion & Analysis
TINJAUAN ATAS EFEKTIVITAS
SISTEM MANAJEMEN RISIKO PERUSAHAAN
Overview of the Bank’s Risk Management System Effectiveness
Tabel 1.a. Pengungkapan Kuantitatif Struktur Permodalan Bank Umum dalam jutaan Rupiah, kecuali dinyatakan lain
Tabel 1.a. Quantitative Disclosure of Commercial Bank Capital Structure in million of Rupiah, unless otherwise stated
31 Desember 2024 31 Desember 2023
Komponen Modal December 31, 2024 December 31, 2023
Capital Component Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
(1) (2) (3) (4) (5) (6)
I Komponen Modal | Capital Component
A Modal Inti | Core Capital 3.591.911 3.591.911 3.584.721 3.584.721
1 Modal Disetor
2.242.372 2.242.372 2.242.372 2.242.372
Paid-in Capital
2 Cadangan Tambahan Modal
1.604.707 1.604.707 1.644.982 1.644.982
Disclosed Reserve
3 Modal Inovatif
- - - -
Innovative Capital
4 Faktor Pengurang Modal Inti
255.168 255.168 302.633 302.633
Core Capital Deduction
5 Kepentingan Nonpengendali
- - - -
Non Controlling Interest
B Modal Pelengkap *)
373.786 373.786 363.711 363.711
Supplementary Capital *)
1 Level Atas
- - - -
Upper Tier 2
2 Level Bawah Maksimum 50% Modal Inti
Lower Tier 2 Maximum 50% of the Core - - - -
Capital
3 Faktor Pengurang Modal Pelengkap
- - - -
Supplementary Capital Deduction
C Faktor Pengurang Modal Inti dan Modal
Pelengkap
- - - -
Core Capital and Supplementary Capital
Deduction Factors
Eksposur Sekuritisasi
- - - -
Securitization Exposure
D Modal Pelengkap Tambahan yang Memenuhi
Persyaratan (Tier 3) **)
- - - -
Additional Supplementary Capital that Satisfies
Requirements (Tier 3) **)
418 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Tabel 1.a. Pengungkapan Kuantitatif Struktur Permodalan Bank Umum dalam jutaan Rupiah, kecuali dinyatakan lain
Tabel 1.a. Quantitative Disclosure of Commercial Bank Capital Structure in million of Rupiah, unless otherwise stated
31 Desember 2024 31 Desember 2023
Komponen Modal December 31, 2024 December 31, 2023
Capital Component Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
E Modal Pelengkap Tambahan yang
Dialokasikan untuk Mengantisipasi Risiko
Pasar - - - -
Additional Supplementary Capital Allocated to
Anticipate Market Risk
Total Modal Inti dan Modal Pelengkap (A +
B - C)
II 3.965.697 3.965.697 3.948.432 3.948.432
Total Core Capital and Supplementary Capital
(A + B- C)
Total Modal Inti, Modal Pelengkap, dan Modal
Pelengkap Tambahan yang Dialokasikan
untuk Mengantisipasi Risiko Pasar (A + B - C
+ E)
III 3.965.697 3.965.697 3.948.432 3.948.432
Total Core Capital,
Supplementary Capital And Additional
Supplementary Capital Allocated To Anticipate
Market Risk (A + B - C + E)
Aset Tertimbang Menurut Risiko (ATMR) untuk
IV Risiko Kredit 13.902.911 13.902.911 14.519.135 14.519.135
Risk Weighted Assets (RWA) for Credit Risk
Aset Tertimbang Menurut Risiko (ATMR) untuk
Risiko Operasional
V 1.036.269 1.036.269 977.823 977.823
Risk Weighted Assets (RWA) for Operational
Risk
Aset Tertimbang Menurut Risiko (ATMR) untuk
VI Risiko Pasar 105.898 105.898 321.312 321.312
Risk Weighted Assets (RWA) for Market Risk
A Metode Standar
105.898 105.898 321.312 321.312
Standardized Approach
B Metode Internal
- - - -
Internal Model
Rasio Kewajiban Penyediaan Modal Minimum
untuk Risiko Kredit, Risiko Operasional dan
Risiko Pasar [VII:(IV + V + VI)]
VII 26,35% 26,35% 24,96% 24,96%
Capital Adequacy Ratio for Credit Risk,
Operational Risks and Market Risks [VII:(IV +V
+ VI)]
*) Modal Pelengkap mengacu pada Peraturan Bank Indonesia No. 15/12/PBI/2013 tanggal 12 Desember 2013 tentang Kewajiban Penyediaan Modal
Minimum Bank Umum.
**) Modal Pelengkap Tambahan yang Memenuhi Persyaratan (Tier 3) mengacu pada Peraturan Bank Indonesia No. 15/12/PBI/2013 tanggal 12 Desember
2013 tentang Kewajiban Penyediaan Modal Minimum Bank Umum.
*) Supplementary Capital refers to Bank Indonesia Regulation No. 15/12/PBI/2013 dated December 12, 2013, concerning Capital Adequacy Ratio for
Commercial Banks.
**) Eligible Additional Supplementary Capital (Tier 3) refers to Bank Indonesia Regulation No. 15/12/PBI/2013 dated December 12, 2013 concerning Capital
Adequacy Ratio for Commercial Banks.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 419
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.1.a. Pengungkapan Tagihan Bersih Berdasarkan Cabang - Bank secara Individual
Table 2.1.a. Disclosure of Net Receivables by Branch - Bank Individually
31 Desember 2024
December 31, 2024
Tagihan Bersih Berdasarkan Cabang
Kategori Portofolio
No Net Receivables by Branch
Portfolio Category
AMBON ARTHA BANDUNG
BALIKPAPAN BANJARMASIN BATAM BITUNG
DIPONEGORO GADING ASIA AFRIKA
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Tagihan kepada Pemerintah
1 - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor
2 Publik - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank
Pembangunan Multilateral dan
3 Lembaga Internasional - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential 334 174.692 62.913 39.377 69.540 52.506 18.799
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real 4.179 49.898 - 15.878 - 84 -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
8 10.519 12.973 3.950 5.765 48 2.720 460
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
9 3.215 17.693 - - 67 12.010 -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 49 98 17 26 - 45 11
Past Due Receivables
Aset Lainnya
11 49.584 222.349 1.891 10.986 7.987 12.377 3.620
Other Assets
Eksposur di Unit Usaha Syariah
(jika ada)
12 - - - - - - -
Exposure in the Sharia Business
Unit (if any)
Jumlah
67.880 477.704 68.771 72.033 77.642 79.742 22.890
Total
420 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 421
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2024
December 31, 2024
Tagihan Bersih Berdasarkan Cabang
Net Receivables by Branch
DENPASAR KARET KARTINI MAKASSAR
BOGOR CIKARANG JAMBI KENDARI KUPANG LAMPUNG
BALI SURABAYA CIREBON A. YANI
(10) (11) (12) (13) (14) (15) (16) (17) (18) (19)
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - 250 - -
159.824 158.506 21.441 58.452 26.914 2.018 21.959 6.249 25.270 117.579
783 - - - 625 - 1.750 1.398 653 -
- - - - - - - - - -
5.314 8.539 5.077 107 29.169 2.217 829 3.882 1.482 2.243
- 1.256 - - 52.489 - - - - -
327 284 178 149 24.221 166 80 91 32 315
16.205 7.472 18.566 10.550 15.475 8.238 11.936 15.480 7.326 13.483
- - - - - - - - - -
182.452 176.057 45.262 69.257 148.892 12.639 36.554 27.351 34.763 133.620
2024 Annual Report PT Bank Artha Graha Internasional Tbk 421
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.1.a. Pengungkapan Tagihan Bersih Berdasarkan Cabang - Bank secara Individual
Table 2.1.a. Disclosure of Net Receivables by Branch - Bank Individually
31 Desember 2024
December 31, 2024
Kategori Portofolio Tagihan Bersih Berdasarkan Cabang
No
Portfolio Category Net Receivables by Branch
MEDAN PANGKAL
MATRAMAN MELAWAI P. JAYAKARTA PALEMBANG PEKANBARU
PEMUDA PINANG
(1) (2) (20) (21) (22) (23) (24) (25) (26)
Tagihan kepada Pemerintah
1 - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor
2 Publik - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional
3 - - - - - - -
Multilateral Development Banks
and International Institutions
Receivables
Tagihan kepada Bank
4 - - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential 109.571 32.065 102.811 46.322 101.248 29.359 121.271
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial 9.243 - 3.980 755 3.561 - 548
Real Estate
Kredit Pegawai/Pensiunan
7 - - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
8 7.797 6.831 20.137 12.746 813 434 8.072
Micro Business, Small Business,
and Retail Portfolio Receivables
Tagihan kepada Korporasi
9 12.458 175.149 49.571 13.036 - - -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 1.628 2 493 87 2 12 110
Past Due Receivables
Aset Lainnya
11 8.860 20.088 30.632 16.670 10.801 1.726 6.363
Other Assets
Eksposur di Unit Usaha Syariah
(jika ada)
12 - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Jumlah
149.556 234.134 207.624 89.617 116.424 31.531 136.363
Total
422 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2024
December 31, 2024
Tagihan Bersih Berdasarkan Cabang
Net Receivables by Branch
SAMRAT SEMARANG SUDIRMAN
PONTIANAK SAMARINDA SOLO SURYOPRANOTO TERNATE Total
MANADO PANDANARAN JKT
(27) (28) (29) (30) (31) (32) (33) (34) (35)
- - - - - 9.107.406 - - 9.107.406
- - - - - 145.661 - - 145.661
- - - - - - - - -
- - - - - 849.626 - - 849.876
89.761 612 151.463 24.256 32.187 182.042 108.101 440 2.147.884
- - 735 - - 7.206 11.099 - 112.374
- - - - - - - - -
2.789 240 3.821 1.892 4.714 337.094 16.762 990 520.426
- 40.335 - - 220.173 10.171.003 141.176 - 10.909.631
1.618 - 228 72 6 186.116 278 22 216.761
11.342 3.296 37.844 3.580 4.611 3.821.174 16.617 8.325 4.435.454
- - - - - - - - -
105.510 44.483 194.091 29.800 261.691 24.807.327 294.034 9.777 28.445.473
2024 Annual Report PT Bank Artha Graha Internasional Tbk 423
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.1.a. Pengungkapan Tagihan Bersih Berdasarkan Cabang - Bank secara Individual
Table 2.1.a. Disclosure of Net Receivables by Branch - Bank Individually
31 Desember 2023
December 31, 2023
Tagihan Bersih Berdasarkan Cabang
Kategori Portofolio
No Net Receivables by Branch
Portfolio Category
AMBON ARTHA BANDUNG
BALIKPAPAN BANJARMASIN BATAM BITUNG
DIPONEGORO GADING ASIA AFRIKA
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Tagihan kepada Pemerintah
1 - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor
2 Publik - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank
Pembangunan Multilateral dan
3 Lembaga Internasional - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential 446 174.199 69.003 43.438 73.387 58.529 20.188
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real 4.327 46.396 - 593 - 138 -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
8 5.379 15.787 2.953 3.716 1.283 1.545 27
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
9 9 1.207.870 - - 999 14.235 -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 59 233 32 97 - 81 13
Past Due Receivables
Aset Lainnya
11 52.045 47.634 3.007 8.255 7.996 9.141 3.744
Other Assets
Eksposur di Unit Usaha Syariah
(jika ada)
12 - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Jumlah
62.264 1.492.119 74.995 56.099 83.665 83.668 23.972
Total
424 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
Tagihan Bersih Berdasarkan Cabang
Net Receivables by Branch
DENPASAR KARET KARTINI MAKASSAR
BOGOR CIKARANG JAMBI KENDARI KUPANG LAMPUNG
BALI SURABAYA CIREBON A. YANI
(10) (11) (12) (13) (14) (15) (16) (17) (18) (19)
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - 250 - -
164.400 177.924 21.527 69.689 29.428 2.714 24.577 6.024 27.536 132.078
1.092 - - - 709 - 1.994 2.417 - -
- - - - - - - - - -
4.218 8.598 2.953 662 11.720 3.607 456 6.696 2.076 637
- 1.974 - - 76.130 - - - - -
626 599 144 28 196 185 130 233 43 411
14.659 4.932 25.735 9.323 25.982 6.002 12.595 17.278 5.995 8.943
- - - - - - - - - -
184.995 194.027 50.359 79.701 144.165 12.509 39.751 32.898 35.651 142.069
2024 Annual Report PT Bank Artha Graha Internasional Tbk 425
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Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.1.a. Pengungkapan Tagihan Bersih Berdasarkan Cabang - Bank secara Individual
Table 2.1.a. Disclosure of Net Receivables by Branch - Bank Individually
31 Desember 2023
December 31, 2023
Kategori Portofolio Tagihan Bersih Berdasarkan Cabang
No
Portfolio Category Net Receivables by Branch
MEDAN PANGKAL
MATRAMAN MELAWAI P. JAYAKARTA PALEMBANG PEKANBARU
PEMUDA PINANG
(1) (2) (20) (21) (22) (23) (24) (25) (26)
Tagihan kepada Pemerintah
1 - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor
2 Publik - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional
3 - - - - - - -
Multilateral Development Banks
and International Institutions
Receivables
Tagihan kepada Bank
4 - - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential 135.528 36.766 123.822 49.259 113.620 35.242 138.765
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial - 120 4.426 956 3.934 - 584
Real Estate
Kredit Pegawai/Pensiunan
7 - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
8 6.353 3.701 14.741 5.270 577 - 2.823
Micro Business, Small Business,
and Retail Portfolio Receivables
Tagihan kepada Korporasi
9 13.629 200.603 382 13.678 - - -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 345 2 1.104 243 4 36 -
Past Due Receivables
Aset Lainnya
11 9.565 14.055 29.580 15.626 10.222 2.176 3.274
Other Assets
Eksposur di Unit Usaha Syariah
(jika ada)
12 - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Jumlah
165.421 255.247 174.055 85.033 128.356 37.454 145.446
Total
426 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
Tagihan Bersih Berdasarkan Cabang
Net Receivables by Branch
SAMRAT SEMARANG SUDIRMAN
PONTIANAK SAMARINDA SOLO SURYOPRANOTO TERNATE Total
MANADO PANDANARAN JKT
(27) (28) (29) (30) (31) (32) (33) (34) (35)
- - - - - 5.138.954 - - 5.138.954
- - - - - 145.713 - - 145.713
- - - - - - - - -
- - - - - 496.589 - - 496.839
100.029 660 164.189 23.818 33.246 209.488 112.354 464 2.372.337
- - 833 - 758 8.023 3.297 - 80.596
- - - - - - - - -
3.230 639 3.359 2.368 4.972 458.694 11.711 1.238 591.989
- 29.964 - - - 10.001.805 71.040 - 11.632.317
- 9 424 181 14 13.114 544 44 19.174
10.255 2.404 28.220 4.499 4.798 3.858.657 17.133 6.719 4.280.449
- - - - - - - - -
113.514 33.676 197.025 30.866 43.789 20.331.037 216.080 8.465 24.758.367
2024 Annual Report PT Bank Artha Graha Internasional Tbk 427
Page 428
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.2.a. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table 2.2.a. Disclosure of Net Receivables by Remaining Term of Contract - Bank Individually
31 Desember 2024
December 31, 2024
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Kategori Portofolio Net Receivables by Remaining Term of Contract
No
Portfolio Category
> 1 tahun s.d. ≤ > 3 tahun s.d. ≤
≤ 1 tahun 3 tahun 5 tahun > 5 tahun Nonkontraktual Jumlah
≤ 1 year > 1 year up to > 3 years up > 5 years Noncontractual Total
≤ 3 years to ≤ 5 years
(1) (2) (3) (4) (5) (6) (7) (8)
Tagihan kepada Pemerintah
1 7.903.656 513.066 315.376 375.309 - 9.107.406
Government Receivables
Tagihan kepada Entitas Sektor
2 Publik - - - 145.661 - 145.661
Public Sector Entities Receivables
Tagihan kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional
3 - - - - - -
Multilateral Development Banks
and International Institutions
Receivables
Tagihan kepada Bank
4 849.876 - - - - 849.876
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential 6.118 106.525 137.587 1.897.653 - 2.147.884
Property
Kredit Beragun Properti
Komersial
6 105 7.155 20.293 84.821 - 112.374
Loans Secured by Commercial
Real Estate
Kredit Pegawai/Pensiunan
7 - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
8 77.355 163.104 46.585 233.381 - 520.426
Micro Business, Small Business,
and Retail Portfolio Receivables
Tagihan kepada Korporasi
9 5.581.058 3.155.410 1.377.241 795.921 - 10.909.631
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 216.761 - - - - 216.761
Past Due Receivables
Aset Lainnya
11 - - - - 4.435.454 4.435.454
Other Assets
Eksposur di Unit Usaha Syariah
(jika ada)
12 - - - - - -
Exposure in The Sharia Business
Unit (if any)
Jumlah
14.634.929 3.945.261 1.897.082 3.532.747 4.435.454 28.445.473
Total
428 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 429
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivables by Remaining Term of Contract
≤ 1 tahun > 1 tahun s.d. ≤ 3 > 3 tahun s.d. ≤ 5 > 5 tahun Nonkontraktual Jumlah
≤ 1 year tahun tahun > 5 years Noncontractual Total
> 1 year up to > 3 years up
≤ 3 years to ≤ 5 years
(9) (10) (11) (12) (13) (14)
3.953.006 528.089 324.113 333.746 - 5.138.954
- - - 145.713 - 145.713
- - - - - -
411.116 85.723 - - - 496.839
18.856 89.606 170.691 2.093.184 - 2.372.337
252 8.850 10.981 60.513 - 80.596
- - - - - -
61.211 191.467 74.454 264.858 - 591.989
6.689.309 2.531.406 1.295.740 1.115.861 - 11.632.317
19.174 - - - - 19.174
- - - - 4.280.449 4.280.449
- - - - - -
11.152.924 3.435.141 1.875.978 4.013.875 4.280.449 24.758.367
2024 Annual Report PT Bank Artha Graha Internasional Tbk 429
Page 430
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.3.a. Disclosure of Net Receivables Based on Economic Sector - Bank Individually
Tagihan kepada
Bank
Pembangunan
Tagihan
Multilateral
Tagihan kepada Kredit Beragun
dan Lembaga Tagihan
kepada Entitas Sektor Rumah Tinggal
Sektor Ekonomi Internasional kepada Bank
No Pemerintah Publik Loans Secured
Economic Sectors Multilateral Bank
Government Public Sector by Residential
Development Receivables
Receivables Entities Property
Banks and
Receivables
International
Institutions
Receivables
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2024
December 31, 2024
Pertanian, Perburuan, dan
Kehutanan
1 - - - - -
Agriculture, Hunting and
Forestry
Perikanan
2 - - - - -
Fishery
Pertambangan dan Penggalian
3 - - - - -
Mining and Excavation
Industri Pengolahan
4 - - - - -
Processing Industry
Listrik, Gas, dan Air
5 - - - - -
Electricity, Gas and Water
Konstruksi
6 - 145.661 - - -
Construction
Perdagangan Besar dan Eceran
7 - - - - -
Wholesale and Retail Trade
Penyediaan Akomodasi dan
Penyediaan Makan Minum
8 - - - - -
Accomodation and Food and
Beverage
Transportasi, Pergudangan, dan
Komunikasi
9 110.153 - - - -
Transportation, Warehousing
and Communication
Perantara Keuangan
10 - - - - -
Financial Intermediary
Real Estate, Usaha Persewaan,
dan Jasa Perusahaan
11 - - - - -
Real Estate, Leasing Company,
and Company Services
Administrasi Pemerintahan,
Pertahanan, dan Jaminan Sosial
Wajib
12 - - - - -
Government, Defense, and
Mandatory Social Security
Administration
430 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 431
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan kepada
Usaha Mikro, Eksposur di
Kredit Beragun Kredit
Usaha Kecil, dan Tagihan yang Unit
Properti Pegawai/ Tagihan kepada
Portofolio Ritel Telah Jatuh Usaha Syariah
Komersial Pensiunan Korporasi Aset Lainnya
Micro Business, Tempo (jika ada)
Loans Secured by Employee/ Corporate Other Assets
Small Business, Past Due Exposure in the
Commercial Real Retirement Receivables
and Retail Receivables Sharia Business
Estate Loans
Portfolio Unit (if any)
Receivables
(8) (9) (10) (11) (12) (13) (14)
- - 4.775 143.253 - - -
- - 2.282 7.868 1 - -
- - 339 407.163 211.169 - -
- - 21.160 1.874.208 - - -
- - 1.828 - - - -
- - 15.773 29.900 166 - -
- - 91.306 492.671 1.458 - -
- - 11.684 789.642 19 - -
- - 4.486 612.871 - - -
- - 4.237 322.689 - - -
- - 340.284 2.555.158 - - -
- - - - - - -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 431
Page 432
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.3.a. Disclosure of Net Receivables Based on Economic Sector - Bank Individually
Tagihan kepada
Bank
Pembangunan
Tagihan
Multilateral
Tagihan kepada Kredit Beragun
dan Lembaga Tagihan
kepada Entitas Sektor Rumah Tinggal
Sektor Ekonomi Internasional kepada Bank
No Pemerintah Publik Loans Secured
Economic Sectors Multilateral Bank
Government Public Sector by Residential
Development Receivables
Receivables Entities Property
Banks and
Receivables
International
Institutions
Receivables
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2024
December 31, 2024
Jasa Pendidikan
13 - - - - -
Education
Jasa Kesehatan dan Kegiatan
Sosial
14 - - - - -
Health Services and Social
Activities
Jasa Kemasyarakatan,
Sosial Budaya, Hiburan, dan
Perorangan Lainnya
15 - - - - -
Community, Socio-Cultural,
Entertainment, and Other
Individual Services
Jasa Perorangan yang Melayani
16 Rumah Tangga - - - - -
Personal Service for Household
Badan Internasional dan Badan
Ekstra Internasional Lainnya
17 - - - - -
International Agencies and Other
Extra-International Agencies
Kegiatan yang Belum Jelas
Batasannya
18 - - - - -
Activities with Unclear Bound
Areas
Rumah Tangga
19 - - - - 2.147.884
Household
Bukan Lapangan Usaha
20 - - - - -
Non-Business Activities
Lainnya
21 8.997.253 - - 849.876 -
Others
Jumlah
9.107.406 145.661 - 849.876 2.147.884
Total
432 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 433
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan kepada
Usaha Mikro, Eksposur di
Kredit Beragun Kredit
Usaha Kecil, dan Tagihan yang Unit
Properti Pegawai/ Tagihan kepada
Portofolio Ritel Telah Jatuh Usaha Syariah
Komersial Pensiunan Korporasi Aset Lainnya
Micro Business, Tempo (jika ada)
Loans Secured by Employee/ Corporate Other Assets
Small Business, Past Due Exposure in The
Commercial Real Retirement Receivables
and Retail Receivables Sharia Business
Estate Loans
Portfolio Unit (if any)
Receivables
(8) (9) (10) (11) (12) (13) (14)
- - 675 - - - -
- - 1.410 - - - -
- - 8.057 58.580 - - -
- - 1.279 - - - -
- - - - - - -
- - - - - - -
112.374 - 10.851 - 3.948 - -
- - - - - - -
- - - 3.615.628 - 4.435.454 -
112.374 - 520.426 10.909.631 216.761 4.435.454 -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 433
Page 434
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.3.a. Disclosure of Net Receivables Based on Economic Sector - Bank Individually
Tagihan kepada
Bank
Pembangunan
Tagihan
Multilateral
Tagihan kepada Kredit Beragun
dan Lembaga Tagihan
kepada Entitas Sektor Rumah Tinggal
Sektor Ekonomi Internasional kepada Bank
No Pemerintah Publik Loans Secured
Economic Sectors Multilateral Bank
Government Public Sector by Residential
Development Receivables
Receivables Entities Property
Banks and
Receivables
International
Institutions
Receivables
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2023
December 31, 2023
Pertanian, Perburuan, dan
Kehutanan
1 - - - - -
Agriculture, Hunting and
Forestry
Perikanan
2 - - - - -
Fishery
Pertambangan dan Penggalian
3 - - - - -
Mining and Excavation
Industri Pengolahan
4 - - - - -
Processing Industry
Listrik, Gas, dan Air
5 - - - - -
Electricity, Gas and Water
Konstruksi
6 - 145.713 - - -
Construction
Perdagangan Besar dan Eceran
7 - - - - -
Wholesale and Retail Trade
Penyediaan Akomodasi dan
Penyediaan Makan Minum
8 - - - - -
Accomodation and Food and
Beverage
Transportasi, Pergudangan, dan
Komunikasi
9 159.040 - - - -
Transportation, Warehousing
and Communication
Perantara Keuangan
10 - - - - -
Financial Intermediary
Real Estate, Usaha Persewaan,
dan Jasa Perusahaan
11 - - - - -
Real Estate, Leasing Company,
and Company Services
Administrasi Pemerintahan,
Pertahanan, dan Jaminan Sosial
Wajib
12 - - - - -
Government, Defense, and
Mandatory Social Security
Administration
434 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 435
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan kepada
Usaha Mikro, Eksposur di
Kredit Beragun Kredit
Usaha Kecil, dan Tagihan yang Unit
Properti Pegawai/ Tagihan kepada
Portofolio Ritel Telah Jatuh Usaha Syariah
Komersial Pensiunan Korporasi Aset Lainnya
Micro Business, Tempo (jika ada)
Loans Secured by Employee/ Corporate Other Assets
Small Business, Past Due Exposure in The
Commercial Real Retirement Receivables
and Retail Receivables Sharia Business
Estate Loans
Portfolio Unit (if any)
Receivables
(8) (9) (10) (11) (12) (13) (14)
- - 737 159.168 67 - -
- - 1.085 8.948 1 - -
- - 3.923 1.157.246 - - -
- - 20.369 1.297.456 - - -
- - 1.673 - - - -
- - 15.231 14.691 - - -
- - 54.085 305.748 55 - -
- - 8.357 794.890 19 - -
- - 7.485 651.395 - - -
- - 4.742 26.950 - - -
- - 453.474 4.061.958 1.188 - -
- - 100 - - - -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 435
Page 436
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.3.a. Disclosure of Net Receivables Based on Economic Sector - Bank Individually
Tagihan kepada
Bank
Pembangunan
Tagihan
Multilateral
Tagihan kepada Kredit Beragun
dan Lembaga Tagihan
kepada Entitas Sektor Rumah Tinggal
Sektor Ekonomi Internasional kepada Bank
No Pemerintah Publik Loans Secured
Economic Sectors Multilateral Bank
Government Public Sector by Residential
Development Receivables
Receivables Entities Property
Banks and
Receivables
International
Institutions
Receivables
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2023
December 31, 2023
Jasa Pendidikan
13 - - - - -
Education
Jasa Kesehatan dan Kegiatan
Sosial
14 - - - - -
Health Services and Social
Activities
Jasa Kemasyarakatan,
Sosial Budaya, Hiburan, dan
Perorangan Lainnya
15 - - - - -
Community, Socio-Cultural,
Entertainment, and Other
Individual Services
Jasa Perorangan yang Melayani
16 Rumah Tangga - - - - -
Personal Service for Household
Badan Internasional dan Badan
Ekstra Internasional Lainnya
17 - - - - -
International Agencies and Other
Extra-International Agencies
Kegiatan yang Belum Jelas
Batasannya
18 - - - - -
Activities with Unclear Bound
Areas
Rumah Tangga
19 - - - - 2.372.337
Household
Bukan Lapangan Usaha
20 - - - - -
Non-Business Activities
Lainnya
21 4.979.914 - - 496.839 -
Others
Jumlah
5.138.954 145.713 - 496.839 2.372.337
Total
436 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 437
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan kepada
Usaha Mikro, Eksposur di
Kredit Beragun
Kredit Usaha Kecil, dan Tagihan yang Unit
Properti Tagihan kepada
Pegawai/ Portofolio Ritel Telah Jatuh Usaha Syariah
Komersial Korporasi Aset Lainnya
Pensiunan Micro Business, Tempo (jika ada)
Loans Secured by Corporate Other Assets
Employee/ Small Business, Past Due Exposure in The
Commercial Real Receivables
Retirement Loans and Retail Receivables Sharia Business
Estate
Portfolio Unit (if any)
Receivables
(8) (9) (10) (11) (12) (13) (14)
- - 1.298 - - - -
- - 2.029 - - - -
- - 3.848 329.110 11.596 - -
- - 1.540 - - - -
- - - - - - -
- - - - - - -
80.596 - 12.014 - 6.247 - -
- - - - - - -
- - - 2.824.756 - 4.280.449 -
80.596 - 591.989 11.632.317 19.174 4.280.449 -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 437
Page 438
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Cabang - Bank secara Individual
Table 2.4.a. Disclosure of Receivables and Allowances Based on Branch - Bank Individually
31 Desember 2024
December 31, 2024
Tagihan Bersih Berdasarkan Cabang
Kategori Portofolio
No Net Receivables by Branch
Portfolio Category
AMBON ARTHA BANDUNG
BALIKPAPAN BANJARMASIN BATAM BITUNG
DIPONEGORO GADING ASIA AFRIKA
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Tagihan
1 33.107 270.007 67.588 62.141 70.553 102.280 24.108
Receivables
Tagihan yang Mengalami
2 Penurunan Nilai - - - - - - -
Impaired Receivables
a. Belum Jatuh Tempo
- - - 505 1.026 2.293 410
Outstanding
b. Sudah Jatuh Tempo
3.500 - - - - - 4.362
Mature
Cadangan Kerugian Penurunan
Nilai (CKPN) - Individual
3 3.500 - - 505 1.026 2.293 4.768
Allowance for Impairment Losses
(CKPN) - Individual
Cadangan Kerugian Penurunan
Nilai (CKPN) - Kolektif *)
4 754 986 196 625 157 366 201
Allowance for Impairment Losses
(CKPN) - Collective *)
Tagihan yang Dihapus Buku
5 - - - - - - -
Write off Receivable
Kategori Portofolio MEDAN PANGKAL
No MATRAMAN MELAWAI P. JAYAKARTA PALEMBANG PEKANBARU
Portfolio Category PEMUDA PINANG
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Tagihan
1 147.455 228.585 211.143 80.451 115.950 30.010 137.483
Receivables
Tagihan yang Mengalami
2 Penurunan Nilai - - - - - - -
Impaired Receivables
a. Belum Jatuh Tempo
986 1.877 656 - 8.083 218 6.955
Outstanding
b. Sudah Jatuh Tempo
162 871 694 - - - 140
Mature
Cadangan Kerugian Penurunan
Nilai (CKPN) - Individual
3 1.148 2.747 1.349 - 8.083 218 7.094
Allowance for Impairment Losses
(CKPN) - Individual
Cadangan Kerugian Penurunan
Nilai (CKPN) - Kolektif *)
4 1.456 7.528 3.953 470 316 117 562
Allowance for Impairment Losses
(CKPN) - Collective *)
Tagihan yang Dihapus Buku
5 - - - - - - -
Write off Receivable
*) CKPN adalah sesuai dengan definisi CKPN pada Surat Edaran No. 13/6/DPNP tanggal 18 Februari 2011
mengenai perhitungan Aset Tertimbang Menurut Risiko Kredit (tanpa kolektibilitas 1)
**) Nilai tagihan hapus buku hanya untuk bank secara individual
438 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 439
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2024
December 31, 2024
Tagihan Bersih Berdasarkan Cabang
Net Receivables by Branch
DENPASAR KARET KARTINI MAKASSAR
BOGOR CIKARANG JAMBI KENDARI KUPANG LAMPUNG
BALI SURABAYA CIREBON A. YANI
(10) (11) (12) (13) (14) (15) (16) (17) (18) (19)
174.583 187.503 33.328 67.063 161.392 5.150 26.204 21.226 27.575 134.914
- - - - - - - - - -
30.980 8.424 4.326 8.237 1.945 368 622 - 153 2.215
3.702 - 2.412 175 31.502 - - - - 11.430
16.826 8.183 6.734 8.412 9.335 368 622 - 153 13.646
2.391 1.572 513 306 1.006 332 414 842 133 1.370
- - - - - - - - - -
SAMRAT SEMARANG SUDIRMAN
PONTIANAK SAMARINDA SOLO SURYOPRANOTO TERNATE Total
MANADO PANDANARAN JKT
(10) (11) (12) (13) (14) (15) (16) (17) (18)
98.584 45.577 167.183 26.709 265.233 8.216.130 338.627 1.541 11.579.383
- - - - - - - - -
3.398 - 7.861 - - 2.808.689 713 - 2.900.939
- - 395 - - 260.822 394 14 320.575
3.398 - 8.080 - - 341.191 1.108 14 450.800
1.505 1.437 1.363 439 1.296 45.353 3.061 85 81.107
- - - - - - - - -
*) CKPN is in accordance with the definition of CKPN in Circular Letter No. 13/6/DPNP dated February 18, 2011
regarding the calculation of Credit Risk Weighted Assets (without collectibility 1)
**) The value of write-off claims is only for individual banks
2024 Annual Report PT Bank Artha Graha Internasional Tbk 439
Page 440
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Cabang - Bank secara Individual
Table 2.4.a. Disclosure of Receivables and Allowances Based on Branch - Bank Individually
31 Desember 2023
December 31, 2023
Tagihan Bersih Berdasarkan Cabang
Kategori Portofolio
No Net Receivables by Branch
Portfolio Category
AMBON ARTHA BANDUNG
BALIKPAPAN BANJARMASIN BATAM BITUNG
DIPONEGORO GADING ASIA AFRIKA
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Tagihan
1 14.385 1.441.339 72.066 49.004 78.139 78.461 25.384
Receivables
Tagihan yang Mengalami
2 Penurunan Nilai - - - - - - -
Impaired Receivables
a. Belum Jatuh Tempo
- 89 5.552 2.646 13.977 9.674 4.343
Outstanding
b. Sudah Jatuh Tempo
3.500 - - - - - 4.246
Mature
Cadangan Kerugian Penurunan
Nilai (CKPN) - Individual
3 3.500 2 341 560 3.004 4.786 5.166
Allowance for Impairment Losses
(CKPN) - Individual
Cadangan Kerugian Penurunan
Nilai (CKPN) - Kolektif *)
4 849 1.863 265 1.177 99 450 211
Allowance for Impairment Losses
(CKPN) - Collective *)
Tagihan yang Dihapus Buku
5 - - - - - - -
Write off Receivable
Kategori Portofolio MEDAN PANGKAL
No MATRAMAN MELAWAI P. JAYAKARTA PALEMBANG PEKANBARU
Portfolio Category PEMUDA PINANG
(1) (2) (3) (4) (5) (6) (7) (8) (9)
Tagihan
1 157.075 242.926 148.033 69.432 125.235 35.404 147.714
Receivables
Tagihan yang Mengalami
2 Penurunan Nilai - - - - - - -
Impaired Receivables
a. Belum Jatuh Tempo
8.213 6.480 7.553 1.510 23.151 2.164 25.196
Outstanding
b. Sudah Jatuh Tempo
162 871 694 - - - 140
Mature
Cadangan Kerugian Penurunan
Nilai (CKPN) - Individual
3 1.485 2.653 2.013 12 9.719 199 6.331
Allowance for Impairment Losses
(CKPN) - Individual
Cadangan Kerugian Penurunan
Nilai (CKPN) - Kolektif *)
4 1.088 1.944 3.126 648 327 106 434
Allowance for Impairment Losses
(CKPN) - Collective *)
Tagihan yang Dihapus Buku
5 - - - - - - -
Write off Receivable
*) CKPN adalah sesuai dengan definisi CKPN pada Surat Edaran No. 13/6/DPNP tanggal 18 Februari 2011
mengenai perhitungan Aset Tertimbang Menurut Risiko Kredit (tanpa kolektibilitas 1)
**) Nilai tagihan hapus buku hanya untuk bank secara individual
440 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 441
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
Tagihan Bersih Berdasarkan Cabang
Net Receivables by Branch
DENPASAR KARET KARTINI MAKASSAR
BOGOR CIKARANG JAMBI KENDARI KUPANG LAMPUNG
BALI SURABAYA CIREBON A YANI
(10) (11) (12) (13) (14) (15) (16) (17) (18) (19)
187.924 198.945 31.090 77.072 134.680 7.383 28.013 15.969 29.917 147.818
- - - - - - - - - -
43.443 29.990 5.625 18.050 2.739 502 2.628 673 4.041 17.453
3.702 - 2.412 175 39.787 70 - - - 11.430
18.119 11.055 6.578 7.715 16.308 440 609 109 444 14.607
2.300 1.686 714 257 1.205 613 467 735 250 1.280
- - - - - - - - - -
SAMRAT SEMARANG SUDIRMAN
PONTIANAK SAMARINDA SOLO SURYOPRANOTO TERNATE Total
MANADO PANDANARAN JKT
(10) (11) (12) (13) (14) (15) (16) (17) (18)
105.766 31.241 182.364 26.555 38.932 8.012.095 205.181 1.829 12.147.369
- - - - - - - - -
6.011 - 48.797 663 215 3.528.696 840 - 3.820.916
- - 395 - - 44.531 3.194 14 115.322
3.070 - 16.037 9 3 296.730 3.210 14 434.830
373 197 1.426 473 157 46.332 4.633 118 75.806
- - - - - - - - -
*) CKPN is in accordance with the definition of CKPN in Circular Letter No. 13/6/DPNP dated February 18, 2011
regarding the calculation of Credit Risk Weighted Assets (without collectibility 1)
**) The value of write-off claims is only for individual banks
2024 Annual Report PT Bank Artha Graha Internasional Tbk 441
Page 442
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.5.a. Disclosure of Receivables and Allowances Based on Economic Sector - Bank Individually
Sektor Ekonomi *) Tagihan **)
No
Economic Sectors *) Receivables **)
(1) (2) (3)
31 Desember 2024
December 31, 2024
Pertanian, Perburuan, dan Kehutanan
1 149.331
Agriculture, Hunting, and Forestry
Perikanan
2 18.039
Fishery
Pertambangan dan Penggalian
3 689.223
Mining and Excavation
Industri Pengolahan
4 2.024.017
Industry Processing
Listrik, Gas, dan Air
5 1.780
Electricity, Gas, and Water
Konstruksi
6 284.081
Construction
Perdagangan Besar dan Eceran
7 855.264
Wholesale and Retail Trade
Penyediaan Akomodasi dan Penyediaan Makan Minum
8 662.436
Accommodation and Food and Beverages
Transportasi, Pergudangan, dan Komunikasi
9 890.531
Transportation, Warehousing, and Commmunication
Perantara Keuangan
10 624.285
Intermediary Finance
Real Estate, Usaha Persewaan, dan Jasa Perusahaan
11 2.965.439
Real Estate, Leasing Company and Company Services
Administrasi Pemerintahan, Pertahanan, dan Jaminan Sosial Wajib
12 4.500
Government, Defense, and Mandatory Social Security Administration
Jasa Pendidikan
13 865
Education
Jasa Kesehatan dan Kegiatan Sosial
14 1.408
Health Services and Social Activities
Jasa Kemasyarakatan, Sosial Budaya, Hiburan, dan Perorangan Lainnya
15 66.590
Society, Socio-Cultural, Entertainment, Other Individual Services
Jasa Perorangan yang Melayani Rumah Tangga
16 1.084
Personal Service for Household
Badan Internasional dan Badan Ekstra Internasional Lainnya
17 -
International Agencies and Other Extra-International Agencies
Kegiatan yang Belum Jelas Batasannya
18 -
Activities with Unclear Bound Areas
Rumah Tangga
19 2.340.510
Household
Bukan Lapangan Usaha
20 -
Non-Business Activities
Jumlah
11.579.383
Total
*) Sektor-sektor yang diungkapkan adalah sektor yang memiliki nilai nominal/saldo yang material. Untuk sektor-sektor yang
tidak material, digabungkan menjadi satu dengan nama sektor lain-lain dan dijelaskan kepada stakeholder.
**) Tagihan secara gross (sebelum dikurangi CKPN).
***) CKPN adalah sesuai dengan definisi CKPN pada Surat Edaran No. 13/6/DPNP tanggal 18 Februari 2011 mengenai
perhitungan ATMR Kredit (tanpa kolektibilitas 1).
442 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 443
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan yang Mengalami Penurunan Nilai Cadangan Kerugian
Cadangan Kerugian
Impaired Receivables Penurunan Nilai
Penurunan Nilai
(CKPN)- Tagihan yang
(CKPN)-Kolektif ***)
Individual ***) Dihapus Buku
Belum Jatuh Tempo Telah Jatuh Tempo Allowance for
Allowance for Write off Receivable
Undue Overdue Impairment Losses
Impairment Losses
(CKPN) - Collectives ***)
(CKPN) - Individual ***)
(4) (5) (6) (7) (8)
- 694 694 7.221 -
11.159 - 3.290 5 -
34.595 246.602 71.508 2.165 -
468.726 191 8.249 12.294 -
- - - 4 -
10.991 14.930 25.920 2.457 -
1.902 8.701 10.597 6.274 -
573.070 479 123.378 1.684 -
12.594 44.066 56.660 6.394 -
- - - 2.292 -
1.683.479 3.646 81.591 15.384 -
- - - - -
192 - 192 1 -
- - - 2 -
20.022 168 1.684 1.837 -
- - - 2 -
- - - - -
- - - - -
84.210 1.098 67.037 23.092 -
- - - - -
2.900.939 320.575 450.800 81.107 -
*) The disclosed sectors are those with material nominal values/balances. For sectors that are not material, they are combined into one with the name of
other sectors and explained to stakeholders.
**) Gross receivables (before deduction of CKPN).
***) Allowance for impairment losses (CKPN) is in accordance with the definition of CKPN in Circular Letter No. 13/6/DPNP dated February 18, 2011
regarding the calculation of RWA of Credit (without collectability 1).
2024 Annual Report PT Bank Artha Graha Internasional Tbk 443
Page 444
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.5.a. Disclosure of Receivables and Allowances Based on Economic Setor - Bank Individually
Sektor Ekonomi *) Tagihan **)
No
Economic Sectors *) Receivables **)
(1) (2) (3)
31 Desember 2023
December 31, 2023
Pertanian, Perburuan, dan Kehutanan
1 159.965
Agriculture, Hunting, and Forestry
Perikanan
2 13.363
Fishery
Pertambangan dan Penggalian
3 1.164.700
Mining and Excavation
Industri Pengolahan
4 1.322.435
Industry Processing
Listrik, Gas, dan Air
5 1.669
Electricity, Gas, and Water
Konstruksi
6 212.069
Construction
Perdagangan Besar dan Eceran
7 372.514
Wholesale and Retail Trade
Penyediaan Akomodasi dan Penyediaan Makan Minum
8 656.239
Accommodation and Food and Beverages
Transportasi, Pergudangan, dan Komunikasi
9 871.687
Transportation, Warehousing, and Commmunication
Perantara Keuangan
10 31.649
Intermediary Finance
Real Estate, Usaha Persewaan, dan Jasa Perusahaan
11 4.481.293
Real Estate, Leasing Company and Company Services
Administrasi Pemerintahan, Pertahanan, dan Jaminan Sosial Wajib
12 99
Government, Defense, and Mandatory Social Security Administration
Jasa Pendidikan
13 1.483
Education
Jasa Kesehatan dan Kegiatan Sosial
14 2.060
Health Services and Social Activities
Jasa Kemasyarakatan, Sosial Budaya, Hiburan, dan Perorangan Lainnya
15 306.155
Society, Socio-Cultural, Entertainment, Other Individual Services
Jasa Perorangan yang Melayani Rumah Tangga
16 1.342
Personal Service for Household
Badan Internasional dan Badan Ekstra Internasional Lainnya
17 -
International Agencies and Other Extra-International Agencies
Kegiatan yang Belum Jelas Batasannya
18 -
Activities with Unclear Bound Areas
Rumah Tangga
19 2.548.648
Household
Bukan Lapangan Usaha
20 -
Non-Business Activities
Jumlah
12.147.369
Total
*) Sektor-sektor yang diungkapkan adalah sektor yang memiliki nilai nominal/saldo yang material. Untuk sektor-sektor yang
tidak material, digabungkan menjadi satu dengan nama sektor lain-lain dan dijelaskan kepada stakeholder.
**) Tagihan secara gross (sebelum dikurangi CKPN).
***) CKPN adalah sesuai dengan definisi CKPN pada Surat Edaran No. 13/6/DPNP tanggal 18 Februari 2011 mengenai
perhitungan ATMR Kredit (tanpa kolektibilitas 1).
444 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 445
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan yang Mengalami Penurunan Nilai Cadangan Kerugian
Cadangan Kerugian
Impaired Receivables Penurunan Nilai
Penurunan Nilai
(CKPN)- Tagihan yang
(CKPN)-Kolektif ***)
Individual ***) Dihapus Buku
Belum Jatuh Tempo Telah Jatuh Tempo Allowance for
Allowance for Write off Receivable
Undue Overdue Impairment Losses
Impairment Losses
(CKPN) - Collectives ***)
(CKPN) - Individual ***)
(4) (5) (6) (7) (8)
- 694 694 1.176 -
11.159 - 3.290 101 -
- 32.768 7.158 7.989 -
430.441 191 8.249 12.813 -
- - - 51 -
20.990 24.515 36.220 2.598 -
1.902 8.765 10.667 8.288 -
582.220 479 118.416 1.039 -
12.594 44.066 56.660 2.562 -
- - - 312 -
2.246.121 3.646 85.724 6.271 -
- - - 11 -
192 - 192 83 -
- - - 99 -
230.157 168 21.686 10.298 -
- - - 13 -
- - - - -
- - - - -
285.140 30 85.873 22.101 -
- - - - -
3.820.916 115.322 434.830 75.806 -
*) The disclosed sectors are those with material nominal values/balances. For sectors that are not material, they are combined into one with
the name of other sectors and explained to stakeholders.
**) Gross receivables (before deduction of CKPN).
***) Allowance for impairment losses (CKPN) is in accordance with the definition of CKPN in Circular Letter No. 13/6/DPNP dated February 18,
2011 regarding the calculation of RWA of Credit (without collectability 1).
2024 Annual Report PT Bank Artha Graha Internasional Tbk 445
Page 446
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 2.6.a. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan
dalam jutaan Rupiah
Nilai - Bank secara Individual in million of Rupiah
Tabel 2.6.a. Disclosure of Movement Details of Allowance for Impairment Losses - Bank Individually
31 Desember 2024 31 Desember 2023
Keterangan December 31, 2024 December 31, 2023
No
Description CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif
Individual CKPN Collective CKPN Individual CKPN Collective CKPN
(1) (2) (3) (4) (5)
Saldo Awal CKPN
1 434.830 75.806 384.173 140.414
CKPN Beginning Balance
Pembentukan (Pemulihan) CKPN pada Periode
Berjalan (Net)
2 15.969 5.302 50.658 (64.609)
Establishment (Recovery) of CKPN in Current Period
(Net)
2.a Pembentukan CKPN pada Periode Berjalan
44.396 39.720 125.136 55.033
2.a Establishment of CKPN in the Current Period
2.b Pemulihan CKPN pada Periode Berjalan
(924) 34.209 37.424 106.240
2.b Recovery of CKPN in the Current Period
CKPN yang Digunakan untuk Melakukan Hapus Buku
3 Atas Tagihan pada Periode Berjalan 29.350 209 37.054 13.402
Impairment Provision for Write Off Current Year
Pembentukan (pemulihan) lainnya pada periode
4 berjalan *) - - - -
Other formation (recovery) in current period *)
Saldo Akhir CKPN **)
450.800 81.107 434.830 75.806
CKPN Ending Balance **)
*) Termasuk selisih kurs karena penjabaran mata uang asing dan pengakuan pendapatan bunga atas bagian yang tidak mengalami penurunan nilai dari
kredit yang mengalami penurunan nilai
**) Tidak termasuk CKPN dari transaksi Rekening Administratif
*) Includes exchange differences due to foreign currency translation and recognition of interest income on the non-impaired portion of impaired loans
**) Excludes CKPN from Administrative Account transactions
446 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 447
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Halaman ini sengaja dikosongkan.
This page is intentionally left blank.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 447
Page 448
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Table 3.1.a. Disclosure of Net Receivables Based on Portfolio Category and Rating Scale - Bank Individually
Tagihan Bersih
Net Receivables
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long-Term Rating
Rating Company
Standard and BBB+ s.d
AAA AA+ s.d AA- A+ s.d A- BB+ s.d BB-
Poor's BBB-
Kategori Portofolio BBB+ s.d
No Fitch Rating AAA AA+ s.d AA- A+ s.d A- BB+ s.d BB-
Portfolio Category BBB-
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
PT Fitch Ratings AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d
AAA (idn)
Indonesia AA-(idn) A-(idn) BBB-(idn) BB-(idn)
PT ICRA [Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d [Idr]BB+ s.d
[Idr]AAA
Indonesia [Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
PT Pemeringkat idAA+ s.d id BBB+ s.d id BB+ s.d id
idAAA idA+ s.d id A-
Efek Indonesia idAA- id BBB- BB-
(1) (2) (3) (4) (5) (6) (7) (8)
31 Desember 2024
December 31, 2023
Tagihan kepada Pemerintah
1 - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor
2 Publik - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional
3 - - - - - -
Multilateral Development Banks
and International Institutions
Receivables
Tagihan kepada Bank
4 - 766.870 - 40.973 - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential - - - - - -
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real - - - - - -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
8 - - - - - -
Micro Business, Small Business,
and Retail Portfolio Receivables
Tagihan kepada Korporasi
9 - 2.867.672 - 364.358 51.548 -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - - - - - -
Past Due Receivables
Aset Lainnya
11 - - - - - -
Other Assets
Eksposur di Unit Usaha Syariah
(jika ada)
12 - - - - - -
Exposure in The Sharia Business
Unit (if any)
Jumlah
- 3.634.542 - 405.331 51.548 -
Total
448 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 449
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih
Net Receivables
Peringkat Jangka Panjang Peringkat Jangka Pendek
Long-Term Rating Short-Term Rating
B+ s.d B- Less Than B- A-1 A-2 A-3 Less Than A-3
B+ s.d B- Less Than B- F1+ s.d F1 F2 F3 Less Than F3 Tanpa
Jumlah
Peringkat
Total
B1 s.d B3 Less Than B3 P-1 P-2 P-3 Less Than P-3 Unrated
B+(idn) s.d Less Than F1+(idn) s.d Less Than
F2(idn) F3(idn)
B-(idn) B-(idn) F1(idn) F3(idn)
[Idr]B+ s.d Less Than [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d Less Than
[Idr]B- [Idr]B- [Idr]A1 [Idr]A2 [Idr] A3 [Idr]A3
Less Than Less Than
id B+ s.d id B- idA1 idA2 idA3 s.d id A4
idB- idA4
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - 9.107.406 9.107.406
- - - - - - 145.661 145.661
- - - - - - - -
- - - - - - 42.033 849.876
- - - - - - 2.147.884 2.147.884
- - - - - - 112.374 112.374
- - - - - - - -
- - - - - - 520.426 520.426
- - - - - - 7.626.052 10.909.631
- - - - - - 216.761 216.761
- - - - - - 4.435.454 4.435.454
- - - - - - - -
- - - - - - 24.354.051 28.445.473
2024 Annual Report PT Bank Artha Graha Internasional Tbk 449
Page 450
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Table 3.1.a. Disclosure of Net Receivables Based on Portfolio Category and Rating Scale - Bank Individually
Tagihan Bersih
Net Receivables
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long-Term Rating
Rating Company
Standard and BBB+ s.d
AAA AA+ s.d AA- A+ s.d A- BB+ s.d BB-
Poor's BBB-
Kategori Portofolio BBB+ s.d
No Fitch Rating AAA AA+ s.d AA- A+ s.d A- BB+ s.d BB-
Portfolio Category BBB-
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
PT Fitch Ratings AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d
AAA (idn)
Indonesia AA-(idn) A-(idn) BBB-(idn) BB-(idn)
PT ICRA [Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d [Idr]BB+ s.d
[Idr]AAA
Indonesia [Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
PT Pemeringkat idAA+ s.d id BBB+ s.d id BB+ s.d id
idAAA idA+ s.d id A-
Efek Indonesia idAA- id BBB- BB-
(1) (2) (3) (4) (5) (6) (7) (8)
31 Desember 2023
December 31, 2023
Tagihan kepada Pemerintah
1 - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor
2 Publik - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional
3 - - - - - -
Multilateral Development Banks
and International Institutions
Receivables
Tagihan kepada Bank
4 - 475.987 - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential - - - - - -
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real - - - - - -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
8 - - - - - -
Micro Business, Small business,
and Retail Portfolio Receivables
Tagihan kepada Korporasi
9 2.019.675 - 542.511 - -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - - - - - -
Past Due Receivables
Aset Lainnya
11 - - - - - -
Other Assets
Eksposur di Unit Usaha Syariah
(jika ada)
12 - - - - - -
Exposure in The Sharia Business
Unit (if any)
Jumlah
- 2.495.662 - 542.511 - -
Total
450 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 451
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih
Net Receivables
Peringkat Jangka Panjang Peringkat Jangka Pendek
Long-Term Rating Short-Term Rating
B+ s.d B- Less Than B- A-1 A-2 A-3 Less Than A-3
B+ s.d B- Less Than B- F1+ s.d F1 F2 F3 Less Than F3 Tanpa
Jumlah
Peringkat
Total
B1 s.d B3 Less Than B3 P-1 P-2 P-3 Less Than P-3 Unrated
B+(idn) s.d Less Than F1+(idn) s.d Less Than
F2(idn) F3(idn)
B-(idn) B-(idn) F1(idn) F3(idn)
[Idr]B+ s.d [Idr] Less Than [Idr] [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d Less Than [Idr]
B- B- [Idr]A1 [Idr]A2 [Idr] A3 A3
Less Than Less Than
id B+ s.d id B- idA1 idA2 idA3 s.d id A4
idB- idA4
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - 5.138.954 5.138.954
- - - - - - 145.713 145.713
- - - - - - - -
- - - - - - 20.851 496.839
- - - - - - 2.372.337 2.372.337
- - - - - - 80.596 80.596
- - - - - - - -
- - - - - - 591.989 591.989
- - - - - - 9.070.130 11.632.316
- - - - - - 19.174 19.174
- - - - - - 4.280.449 4.280.449
- - - - - - - -
- - - - - - 21.720.193 24.758.367
2024 Annual Report PT Bank Artha Graha Internasional Tbk 451
Page 452
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 3.2.b.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara Individual dalam jutaan Rupiah
in million of Rupiah
Table 3.2.b.1. Disclosure of Counterparty Credit Risk: Repo Transactions – Bank Individually
31 Desember 2024
December 31, 2024
Nilai Wajar SSB
Kategori Portofolio Repo
No
Portfolio Category Fair Value of Kewajiban Repo Tagihan Bersih
ATMR
Government Repo Liabilities Net Receivables
Securities (SSB)
Repo
(1) (2) (3) (4) (5) (6)
Tagihan kepada Pemerintah
1 519.304 499.281 20.023 -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
3 - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha Kecil,
dan Portofolio Ritel
5 - - - -
Micro Business, Small Business, and Retail
Portfolio Receivables
Tagihan kepada Korporasi
6 - - - -
Corporate Receivables
Eksposur di Unit Usaha Syariah (jika ada)
7 Exposure in The Sharia Business - - - -
Unit (if any)
Total
519.304 499.281 20.023 -
Total
452 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Tabel 3.2.b.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara Individual dalam jutaan Rupiah
in million of Rupiah
Table 3.2.b.1. Disclosure of Counterparty Credit Risk: Repo Transactions – Bank Individually
31 Desember 2023
December 31, 2023
Nilai Wajar SSB
Kategori Portofolio Repo
No
Portfolio Category Fair Value of Kewajiban Repo Tagihan Bersih
ATMR
Government Repo Liabilities Net Receivables
Securities (SSB)
Repo
(1) (2) (3) (4) (5) (6)
Tagihan kepada Pemerintah
1 - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
3 - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha Kecil,
dan Portofolio Ritel
5 - - - -
Micro Business, Small Business, and Retail
Portfolio Receivables
Tagihan kepada Korporasi
6 - - - -
Corporate Receivables
Eksposur di Unit Usaha Syariah (jika ada)
7 Exposure in the Sharia Business - - - -
Unit (if any)
Total
- - - -
Total
2024 Annual Report PT Bank Artha Graha Internasional Tbk 453
Page 454
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
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Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan:
dalam jutaan Rupiah
Transaksi Reverse Repo - Bank secara Individual in million of Rupiah
Table 3.2.c.1. Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - Bank Individually
31 Desember 2024
December 31, 2024
Kategori Portofolio Tagihan Bersih
No ATMR Setelah
Portfolio Category Tagihan Bersih Nilai MRK Setelah MRK
MRK
Net Claims MRK Score Net Claims After
RWA After MKR
MRK
(1) (2) (3) (4) (5) (6)
Tagihan kepada Pemerintah
1 - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
3 - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha Kecil,
dan Portofolio Ritel
5 - - - -
Micro Business, Small Business, and Retail
Portfolio Receivables
Tagihan kepada Korporasi
6 - - - -
Corporate Receivables
Eksposur di Unit Usaha Syariah (jika ada)
7 Exposure in The Sharia Business - - - -
Unit (if any)
Total
- - - -
Total
454 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
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Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan:
dalam jutaan Rupiah
Transaksi Reverse Repo - Bank secara Individual in million of Rupiah
Table 3.2.c.1. Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - Bank Individually
31 Desember 2023
December 31, 2023
Kategori Portofolio Tagihan Bersih
No ATMR Setelah
Portfolio Category Tagihan Bersih Nilai MRK Setelah MRK
MRK
Net Claims MRK Score Net Claims After
RWA After MKR
MRK
(1) (2) (3) (4) (5) (6)
Tagihan kepada Pemerintah
1 - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
3 - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha Kecil,
dan Portofolio Ritel
5 - - - -
Micro Business, Small Business, and Retail
Portfolio Receivables
Tagihan kepada Korporasi
6 125.469 125.469 469 469
Corporate Receivables
Eksposur di Unit Usaha Syariah (jika ada)
7 Exposure in the Sharia Business - - - -
Unit (if any)
Total
125.469 125.469 469 469
Total
2024 Annual Report PT Bank Artha Graha Internasional Tbk 455
Page 456
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan
Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Receivables Based on Risk Weighted After Calculating the Impact of Credit
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Kategori Portofolio
No
Portfolio Category
0% 20% 25% 30% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
31 Desember 2024
December 31, 2024
Eksposur Neraca
A
Balance Sheet Exposures
Tagihan kepada Pemerintah
1 9.107.406 - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - - - 145.661
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga
3 Internasional - - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - 849.876 - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential - 128.621 67.969 342.877 - 500.333 - 588.561
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real - - - - - - - -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
8 - - - - - - - -
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
9 - 2.867.672 - - - - - 364.358
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - - - - - - - 2.731
Past Due Receivables
Aset Lainnya
11 769.354 - - - - - - -
Other Assets
Eksposur di Unit Usaha Syariah (jika
ada)
12 - - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Neraca
9.876.760 3.846.169 67.969 342.877 - 500.333 - 1.101.312
Total Exposure Balance
456 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 457
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Beban Modal*)
Beban Modal
(ATMR x
(ATMR x 0%)
ATMR 9,37%)
Capital
RWA Capital
70% 75% 90% 100% 110% 150% Lainnya Charges
Charges*
(RWA x 0%)
(RWA x 9,37%)
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
- - - - - - - - - -
- - - - - - - 72.830 6.824 -
- - - - - - - - - -
- - - - - - - 169.975 15.927 -
444.492 - - - - - - 951.137 89.122 -
29.764 - 63.996 - 18.614 - - 98.907 9.268 -
- - - - - - - - - -
- 505.980 - - - - - 379.485 35.558 -
- 51.548 - 6.997.747 - - - 7.792.122 730.122 -
- - - 92.246 - 112.779 - 262.780 24.622 -
- - - 2.857.217 - 808.883 - 4.070.543 381.410 -
- - - - - - - - - -
474.256 557.528 63.996 9.947.210 18.614 921.662 - 13.797.779 1.292.852 -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 457
Page 458
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan
Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Receivables Based on Risk Weighted After Calculating the Impact of Credit
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Kategori Portofolio
No
Portfolio Category
0% 20% 25% 30% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Eksposur Kewajiban Komitmen/
Kontinjensi pada Transaksi
Rekening Administratif
B
Commitment/Contingent Liability
Exposure to Administrative transaction
account
Tagihan kepada Pemerintah
1 - - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga
3 Internasional - - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential - - - - - - - -
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real - - - - - - - -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
8 - - - - - - - -
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
9 - - - - - - - -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - - - - - - - -
Past Due Receivables
Eksposur di Unit Usaha Syariah (jika
ada)
11 - - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Transaksi Rekening
Administratif
- - - - - - - -
Total Exposures for Administrative
Transaction Account
458 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 459
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Beban Modal*)
Beban Modal
(ATMR x
(ATMR x 0%)
ATMR 9,37%)
Capital
RWA Capital
70% 75% 90% 100% 110% 150% Lainnya Charges
Charges*
(RWA x 0%)
(RWA x 9,37%)
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- 8.322 - - - - - 6.241 585 -
- - - 98.891 - - - 98.891 9.266 -
- - - - - - - - - -
- - - - - - - - - -
- 8.322 - 98.891 - - - 105.132 9.872 -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 459
Page 460
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan
Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Receivables Based on Risk Weighted After Calculating the Impact of Credit
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Kategori Portofolio
No
Portfolio Category
0% 20% 25% 30% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Eksposur Akibat Kegagalan Pihak
C Lawan (Counterparty Credit Risk)
Exposure of Counterparty Credit Risk
Tagihan kepada Pemerintah
1 20.022 - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga
3 Internasional - - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - - - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
5 - - - - - - - -
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
6 - - - - - - - -
Corporate Receivables
Eksposur di Unit Usaha Syariah
(jika ada)
7 - - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Kegagalan Pihak
Lawan 20.022 - - - - - - -
Counterparty Credit Risk Exposure
*) Beban Modal dihitung berdasarkan KPMM sesuai Profil Risiko periode Juni 2015 (Peraturan Bank Indonesia No.15/12/PBI/2013)
**) Beban Modal dihitung berdasarkan KPMM sesuai Profil Risiko periode Juni 2014 (Peraturan Bank Indonesia No.15/12/PBI/2013)
460 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 461
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Beban Modal*)
Beban Modal
(ATMR x
(ATMR x 0%)
ATMR 9,37%)
Capital
RWA Capital
70% 75% 90% 100% 110% 150% Lainnya Charges
Charges*
(RWA x 0%)
(RWA x 9,37%)
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
*) Capital charge is calculated based on CAR in accordance with the Risk Profile as of June 2015 (Bank Indonesia Regulation No. 15/12/PBI/2013)
**) Capital charge is calculated based on CAR in accordance with the Risk Profile as of June 2014 (Bank Indonesia Regulation No. 15/12/PBI/2013)
2024 Annual Report PT Bank Artha Graha Internasional Tbk 461
Page 462
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan
Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Receivables Based on Risk Weighted After Calculating the Impact of Credit
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Kategori Portofolio
No
Portfolio Category
0% 20% 25% 30% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
31 Desember 2023
December 31, 2023
Eksposur Neraca
A
Balance Sheet Exposures
Tagihan kepada Pemerintah
1 5.138.954 - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - - - 145.713
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga
3 Internasional - - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - 496.839 - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential - 162.683 63.310 392.204 - 535.523 - 798.132
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real - - - - - - - -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
8 - - - - - - - -
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
9 - 2.019.675 - - - - - 542.511
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - - - - - - - 5.673
Past Due Receivables
Aset Lainnya
11 369.134 - - - - - - -
Other Assets
Eksposur di Unit Usaha Syariah (jika
ada)
12 - - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Neraca
5.508.088 2.679.196 63.310 392.204 - 535.523 - 1.492.029
Total Exposure Balance
462 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 463
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation Beban Modal
*) Beban Modal
(ATMR x (ATMR x 0%)
ATMR
9,39%) Capital
RWA
70% 75% 90% 100% 110% 150% Lainnya Capital Charges
Charges* (RWA x 0%)
(RWA x 9.39%)
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
- - - - - - - - - -
- - - - - - - 72.856 6.841 -
- - - - - - - - - -
- - - - - - - 99.368 9.331 -
420.023 - - - - - - 1.073.316 100.784 -
28.682 - 37.378 - 14.536 - - 69.707 6.546 -
- - - - - - - - - -
- 578.145 - - - - - 433.609 40.716 -
- - - 7.658.237 - - - 8.333.427 782.509 -
- - - 13.500 - - - 16.337 1.534 -
- - - 2.975.204 - 936.110 - 4.379.369 411.223 -
- - - - - - - - -
448.705 578.145 37.378 10.646.941 14.536 936.110 - 14.477.990 1.359.483 -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 463
Page 464
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan
Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Receivables Based on Risk Weighted After Calculating the Impact of Credit
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Kategori Portofolio
No
Portfolio Category
0% 20% 25% 30% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Eksposur Kewajiban Komitmen/
Kontinjensi pada Transaksi
Rekening Administratif
B
Commitment/Contingent Liability
Exposure to Administrative transaction
account
Tagihan kepada Pemerintah
1 - - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga
3 Internasional - - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 Loans Secured by Residential - - - - - - - -
Property
Kredit Beragun Properti Komersial
6 Loans Secured by Commercial Real - - - - - - - -
Estate
Kredit Pegawai/Pensiunan
7 - - - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
8 - - - - - - - -
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
9 - - - - - - - -
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - - - - - - - -
Past Due Receivables
Eksposur di Unit Usaha Syariah (jika
ada)
11 - - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Transaksi Rekening
Administratif
- - - - - - - -
Total Exposures for Administrative
Transaction Account
464 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 465
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation Beban Modal
*) Beban Modal
(ATMR x (ATMR x 0%)
ATMR
9,39%) Capital
RWA
70% 75% 90% 100% 110% 150% Lainnya Capital Charges
Charges* (RWA x 0%)
(RWA x 9.39%)
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- 5.166 - - - - - 3.875 364 -
- - - 36.791 - - - 36.791 3.455 -
- - - - - - - - - -
- - - - - - - - - -
- 5.166 - 36.791 - - - 40.666 3.819 -
2024 Annual Report PT Bank Artha Graha Internasional Tbk 465
Page 466
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan
Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Receivables Based on Risk Weighted After Calculating the Impact of Credit
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation
Kategori Portofolio
No
Portfolio Category
0% 20% 25% 30% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Eksposur Akibat Kegagalan Pihak
C Lawan (Counterparty Credit Risk)
Exposure of Counterparty Credit Risk
Tagihan kepada Pemerintah
1 - - - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga
3 Internasional - - - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - - - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha
Kecil, dan Portofolio Ritel
5 - - - - - - - -
Micro Business, Small Business, and
Retail Portfolio Receivables
Tagihan kepada Korporasi
6 - - - - - - - -
Corporate Receivables
Eksposur di Unit Usaha Syariah
(jika ada)
7 - - - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Kegagalan Pihak
Lawan - - - - - - - -
Counterparty Credit Risk Exposure
*) Beban Modal dihitung berdasarkan KPMM sesuai Profil Risiko periode Juni 2015 (Peraturan Bank Indonesia No.15/12/PBI/2013)
**) Beban Modal dihitung berdasarkan KPMM sesuai Profil Risiko periode Juni 2014 (Peraturan Bank Indonesia No.15/12/PBI/2013)
466 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 467
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Receivables After Calculating the Impact of Credit Risk Mitigation Beban Modal
*) Beban Modal
(ATMR x (ATMR x 0%)
ATMR
9,39%) Capital
RWA
70% 75% 90% 100% 110% 150% Lainnya Capital Charges
Charges* (RWA x 0%)
(RWA x 9.39%)
(11) (12) (13) (14) (15) (16) (17) (18) (19) (20)
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - - - - - - - -
- - - 469 - - - 469 44 -
- - - - - - - - - -
- - - 469 - - - 469 44 -
*) Capital charge is calculated based on CAR in accordance with the Risk Profile as of June 2015 (Bank Indonesia Regulation No. 15/12/PBI/2013)
**) Capital charge is calculated based on CAR in accordance with the Risk Profile as of June 2014 (Bank Indonesia Regulation No. 15/12/PBI/2013)
2024 Annual Report PT Bank Artha Graha Internasional Tbk 467
Page 468
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Tabel 4.2.a. Disclosure of Net Receivables and Credit Risk Mitigation Technique - Bank Individually
31 Desember 2024
December 31, 2024
Bagian yang Dijamin dengan
Kategori Portofolio Guaranteed Part Bagian yang
No. Tagihan
Portfolio Category Tidak Dijamin
Bersih Asuransi Not
Net Agunan Garansi Kredit Lainnya Guaranteed
Receivable Collateral Warranty Credit Others Part
Inssurance
(8) = (3)-
(1) (2) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)]
Eksposur Neraca
A
Balance Sheet Exposures
Tagihan kepada Pemerintah
1 9.107.406 - - - - 9.107.406
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 145.661 - - - - 145.661
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
3 - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 849.876 - - - - 849.876
Bank Receivables
Kredit Beragun Rumah Tinggal
5 2.147.884 463 - - - 2.147.421
Loans Secured by Residential Property
Kredit Beragun Properti Komersial
6 112.374 - - - - 112.374
Loans Secured by Commercial Real Estate
Kredit Pegawai/Pensiunan
7 - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
Portofolio Ritel
8 520.426 13.844 - - - 506.582
Micro Business, Small Business, and Retail
Portfolio Receivables
Tagihan kepada Korporasi
9 10.909.631 1.411.894 - - - 9.497.737
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 216.761 - - - - 216.761
Past Due Receivables
Aset Lainnya
11 4.435.454 - - - - 4.435.454
Other Assets
Eksposur di Unit Usaha Syariah (jika ada)
12 Exposure in The Sharia Business - - - - - -
Unit (if any)
Total Eksposur Neraca
28.445.473 1.426.201 - - - 27.019.273
Total Exposure Balance
468 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 469
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
Bagian yang Dijamin dengan
Guaranteed Part
Bagian yang
Tagihan Bersih
Tidak Dijamin
Net Receivable Agunan Garansi Asuransi Kredit Lainnya Not Guaranteed Part
Collateral Warranty Credit Inssurance Others
(14) = (9)-
(9) (10) (11) (12) (13)
[(10)+(11)+(12)+(13)]
5.138.954 - - - - 5.138.954
145.713 - - - - 145.713
- - - - - -
496.839 - - - - 496.839
2.372.337 463 - - - 2.371.874
80.596 - - - - 80.596
- - - - - -
591.989 13.844 - - - 578.145
11.632.316 1.411.894 - - - 10.220.422
19.174 - - - - 19.174
4.280.449 - - - - 4.280.449
- - - - - -
24.758.367 1.426.201 - - - 23.332.166
2024 Annual Report PT Bank Artha Graha Internasional Tbk 469
Page 470
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Tabel 4.2.a. Disclosure of Net Receivables and Credit Risk Mitigation Technique - Bank Individually
31 Desember 2024
December 31, 2024
Bagian yang Dijamin dengan
Kategori Portofolio Guaranteed Part Bagian yang
No. Tagihan
Portfolio Category Tidak Dijamin
Bersih Asuransi Not
Net Agunan Garansi Kredit Lainnya Guaranteed
Receivable Collateral Warranty Credit Others Part
Inssurance
Eksposur Kewajiban Komitmen/Kontinjensi
pada Transaksi Rekening Administratif
B
Commitment/Contingent Liability
Exposure to Administrative Transaction Account
Tagihan kepada Pemerintah
1 - - - - - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
3 - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 - - - - - -
Loans Secured by Residential Property
Kredit Beragun Properti Komersial
6 - - - - - -
Loans Secured by Commercial Real Estate
Kredit Pegawai/Pensiunan
7 - - - - - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
Portofolio Ritel
8 13.005 - - - - 13.005
Micro Business, Small Business, and Retail
Portfolio Receivables
Tagihan kepada Korporasi
9 101.537 - - - - 101.537
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - - - - - -
Past Due Receivables
Eksposur di Unit Usaha Syariah
(jika ada)
11 - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Transaksi Rekening
Administratif
114.541 - - - - 114.541
Total Exposures for Administrative Transaction
Account
470 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 471
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
Bagian yang Dijamin dengan
Guaranteed Part
Bagian yang
Tagihan Bersih
Tidak Dijamin
Net Receivable Agunan Garansi Asuransi Kredit Lainnya Not Guaranteed Part
Collateral Warranty Credit Inssurance Others
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
6.997 - - - - 6.997
52.053 - - - - 52.053
- - - - -
- - - - - -
59.050 - - - - 59.050
2024 Annual Report PT Bank Artha Graha Internasional Tbk 471
Page 472
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Tabel 4.2.a. Disclosure of Net Receivables and Credit Risk Mitigation Technique - Bank Individually
31 Desember 2024
December 31, 2024
Bagian yang Dijamin dengan
Kategori Portofolio Guaranteed Part Bagian yang
No. Tagihan
Portfolio Category Tidak Dijamin
Bersih Asuransi Not
Net Agunan Garansi Kredit Lainnya Guaranteed
Receivable Collateral Warranty Credit Others Part
Inssurance
Eksposur akibat Kegagalan Pihak Lawan
C (Counterparty Credit Risk)
Exposure of Counterparty Credit Risk
Tagihan kepada Pemerintah
1 20.022 - - - - 20.022
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - - - - - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
3 - - - - - -
Multilateral Development Banks and
International Institutions Receivables
Tagihan kepada Bank
4 - - - - - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
Portofolio Ritel
5 - - - - - -
Micro Business, Small Business, and Retail
Portfolio Receivables
Tagihan kepada Korporasi
6 - - - - - -
Corporate Receivables
Eksposur di Unit Usaha Syariah
(jika ada)
7 - - - - - -
Exposure in The Sharia Business
Unit (if any)
Total Eksposur Kegagalan Pihak Lawan
20.022 - - - - 20.022
Counterparty Credit Risk Exposure
Total (A+B+C) 28.580.037 1.426.201 - - - 27.153.836
Catatan: Sesuai dengan Surat Edaran Bank Indonesia No.13/6/DPNP perihal Pedoman Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Kredit
dengan Menggunakan Pendekatan Standar, yang termasuk dalam mitigasi risiko kredit adalah agunan (eligible financial collateral), garansi, penjaminan
atau asuransi kredit. Diluar agunan (eligible financial collateral) tersebut, Bank Artha Graha Internasional memiliki agunan berupa fixed asset, piutang
dagang, persediaan, dan agunan lainnya.
472 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 473
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
Bagian yang Dijamin dengan
Guaranteed Part
Bagian yang
Tagihan Bersih
Tidak Dijamin
Net Receivable Agunan Garansi Asuransi Kredit Lainnya Not Guaranteed Part
Collateral Warranty Credit Inssurance Others
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
125.469 - - - - 125.469
- - - - - -
125.469 - - - - 125.469
24.942.885 1.426.201 - - - 23.516.684
Note: In accordance with Bank Indonesia Circular Letter No. 13/6/DPNP regarding Guidelines of Risk-Weighted Assets Calculation for Credit Risk Using a
Standard Approach, included in the credit risk mitigation is eligible financial collateral, guarantees, credit insurance. Apart from the eligible financial collateral,
Bank Artha Graha Internasional has collateral in the form of fixed assets, trade receivables, inventories and other collateral.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 473
Page 474
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Perhitungan ATMR Risiko Kredit Pendekatan Standar - Bank secara Individual
Tabel 6.1.1. Pengungkapan Eksposur Aset di Neraca, kecuali Eksposur Sekuritisasi
Calculation of RWA for Credit Risk Standard Approach - Bank Individually
Table 6.1.1. Disclosure of Asset Exposures on the Balance Sheet, excluding Securitization Exposure
31 Desember 2024
December 31, 2024
Kategori Portofolio
No
Portfolio Category
Tagihan Bersih ATMR Sebelum MRK
Net Claims RWA Before MRK
(1) (2) (3) (4)
Tagihan kepada Pemerintah
1 9.107.406 -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 145.661 72.830
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan Multilateral dan
Lembaga Internasional
3 - -
Multilateral Development Banks and International Institutions
Receivables
Tagihan kepada Bank
4 849.876 169.975
Bank Receivables
Kredit Beragun Rumah Tinggal
5 2.147.884 969.895
Loans Secured by Residential Property
Kredit Beragun Properti Komersial
6 112.374 98.907
Loans Secured by Commercial Real Estate
Kredit Pegawai/Pensiunan
7 - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio
Ritel
8 520.426 390.319
Micro Business, Small Business, and Retail Portfolio
Receivables
Tagihan kepada Korporasi
9 10.909.631 8.420.427
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 216.761 276.287
Past Due Receivables
Aset Lainnya
11 4.435.454 -
Other Assets
Total
28.445.473 10.398.641
Total
474 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 475
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
ATMR Setelah MRK Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK
RWA After MRK Net Claims RWA Before MRK RWA After MRK
(5) (6) (7) (8)
- 5.138.954 - -
72.830 145.713 72.856 72.856
- - - -
169.975 496.839 99.368 99.368
951.137 2.372.337 1.073.409 1.073.316
98.907 80.596 69.707 69.707
- - - -
379.485 591.989 443.992 433.609
7.792.122 11.632.316 9.745.321 8.333.427
262.780 19.174 16.337 16.337
4.070.543 4.280.449 - 4.379.369
13.797.779 24.758.367 11.520.990 14.477.990
2024 Annual Report PT Bank Artha Graha Internasional Tbk 475
Page 476
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 6.1.2. Pengungkapan Eksposur Kewajiban Komitmen/
Kontinjensi pada Transaksi Rekening Administratif, kecuali Eksposur Sekuritisasi
Table 6.1.2. Exposure to Commitment/Contingent Liability on Administrative Account Transactions,
excluding Securitization Exposure
31 Desember 2024
December 31, 2024
Kategori Portofolio
No
Portfolio Category
Tagihan Bersih ATMR Sebelum MRK
Net Claims RWA Before MRK
(1) (2) (3) (4)
Tagihan kepada Pemerintah
1 - -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan Multilateral dan
Lembaga Internasional
3 - -
Multilateral Development Banks and International Institutions
Receivables
Tagihan kepada Bank
4 - -
Bank Receivables
Kredit Beragun Rumah Tinggal
5 - -
Loans Secured by Residential Property
Kredit Beragun Properti Komersial
6 - -
Loans Secured by Commercial Real Estate
Kredit Pegawai/Pensiunan
7 - -
Employee/Retirement Loans
Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio
Ritel
8 13.005 9.754
Micro Business, Small Business, and Retail Portfolio
Receivables
Tagihan kepada Korporasi
9 101.537 101.537
Corporate Receivables
Tagihan yang Telah Jatuh Tempo
10 - -
Past Due Receivables
Aset Lainnya
11 - -
Other Asset
Total
114.541 111.290
Total
476 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 477
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
ATMR Setelah MRK Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK
RWA After MRK Net Claims RWA Before MRK RWA After MRK
(5) (6) (7) (8)
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
6.241 6.997 5.247 3.875
98.891 52.053 52.053 36.791
- - - -
- - - -
105.132 59.050 57.300 40.666
2024 Annual Report PT Bank Artha Graha Internasional Tbk 477
Page 478
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 6.1.3. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit Akibat Kegagalan Pihak Lawan
(Counterparty Credit Risk)
Table 6.1.3. Disclosure of Exposures Causing Credit Risk Due to Counterparty Credit Risk
31 Desember 2024
December 31, 2024
Kategori Portofolio
No
Portfolio Category
Tagihan Bersih ATMR Sebelum MRK
Net Claims RWA Before MRK
(1) (2) (3) (4)
Tagihan kepada Pemerintah
1 20.022 -
Government Receivables
Tagihan kepada Entitas Sektor Publik
2 - -
Public Sector Entities Receivables
Tagihan kepada Bank Pembangunan Multilateral dan
Lembaga Internasional
3 - -
Multilateral Development Banks and International Institutions
Receivables
Tagihan kepada Bank
4 - -
Bank Receivables
Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio
Ritel
5 - -
Micro Business, Small Business, and Retail Portfolio
Receivables
Tagihan kepada Korporasi
6 - -
Corporate Receivables
Total
20.022 -
Total
Tabel 6.1.7. Pengungkapan Total Pengukuran Risiko Kredit dalam jutaan Rupiah
in million of Rupiah
Tabel 6.1.7. Disclosure of Total Credit Risk Measurements
Jenis Transaksi 31 Desember 2024 31 Desember 2023
No
Transaction Type December 31, 2024 December 31, 2023
Total ATMR Risiko Kredit
1 13.902.911 14.519.135
Total Credit Risk RWA
Total Faktor Pengurang Modal
2 - -
Total Capital Reduction Factor
478 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 479
Tata Kelola Perusahaan Tanggung Jawab Sosial Laporan Keberlanjutan
Corporate Governance Pengamanan Perusahaan Sustainability Report
Corporate Social Safety Responsibility
dalam jutaan Rupiah
in million of Rupiah
31 Desember 2023
December 31, 2023
ATMR Setelah MRK Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK
RWA After MRK Net Claims RWA Before MRK RWA After MRK
(5) (6) (7) (8)
- - - -
- - - -
- - - -
- - - -
- - - -
- 125.469 125.469 469
- 125.469 125.469 469
2024 Annual Report PT Bank Artha Graha Internasional Tbk 479
Page 480
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
Tabel 7.1. Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar dalam jutaan Rupiah
in million of Rupiah
Table 7.1. Disclosure of Market Risk Using Standard Methods
31 Desember 2024
December 31, 2024
Jenis Risiko Konsolidasi
No Bank
Risk Type Consolidation
Beban Modal ATMR Beban Modal ATMR
Capital Expense RWA Capital Expense RWA
(1) (2) (3) (4) (5) (6)
1 Beban modal berdasarkan sensitivity based method
1.760,23 - - -
Capital charge based on the sensitivity-based method
a. Kelas risiko GIRR
1,69 - - -
a. GIRR risk class
b. Kelas risiko CSR (non-sekuritisasi)
0,71 - - -
b. CSR risk class (non-securitization)
c. Kelas risiko CSR (sekuritisasi: non-CTP)
- - - -
c. CSR risk class (securitization: non-CTP))
d. CSR risk class (securitization: CTP)
- - - -
d. CSR risk class (non-securitization)
e. Kelas risiko Ekuitas
- - - -
e. Equity risk class
f. Kelas risiko komoditas
- - - -
f. Commodity risk class
g. Kelas risiko nilai tukar
1.653,55 - - -
g. Exchange rate risk class
Beban modal default risk capital
2 6.661,65 - - -
DRC
Residual risk add-on (RRAO)
3 - - - -
RRAO
Beban Modal Risiko Pasar
8.421,88 105.273,50 - -
Market Risk Capital Charge
Credit Valuation Adjustment (CVA) 624,88 624,88 - -
Jumlah
9.046,76 105.898,38 - -
Total
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Tabel 7.1. Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar dalam jutaan Rupiah
in million of Rupiah
Table 7.1. Disclosure of Market Risk Using Standard Methods
31 Desember 2023
December 31, 2023
Jenis Risiko Konsolidasi
No Bank
Risk Type Consolidation
Beban Modal ATMR Beban Modal ATMR
Capital Expense RWA Capital Expense RWA
(1) (2) (7) (8) (9) (10)
1 Risiko Suku Bunga
Interest Rate Risk
a. Risiko Spesifik
9.891,06 123.638,25 - -
a. Specific Risk
b. Risiko Umum
13.181,62 164.770,25 - -
b. General Risk
Risiko Nilai Tukar
2 2.632,28 32.903,48 - -
Exchange Rate Risk
Risiko Ekuitas *)
3 - - - -
Equity Risk
Risiko Komoditas *)
4 - - - -
Commodity Risk
Risiko Option
5 - - - -
Option Risk
Jumlah
25.704,96 321.311,98 - -
Total
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Tabel 8.1.a. Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Table 8.1.a. Quantitative Disclosure of Operational Risk - Bank Individually
Kode Komponen Rincian Validasi Kolom T
Component Code Details Validation T Column
31 Desember 2024*)
December 31, 2024*)
0301000000 Komponen Indikator Bisnis (KIB)
82.901,49
Components of Business Indicators (KIB)
0302000000 Faktor Pengali Kerugian Internal (FPKI)
1
Internal Loss Multiplier Factor (FPKI)
0303000000 Modal Minimum Risiko Operasional (MMRO)
82.901,49
Minimum Operational Risk Capital (MMRO)
0304000000 ATMR untuk Risiko Operasional
1.036.268,63
RWA for Operational Risk
31 Desember 2023*)
December 31, 2023*)
0301000000 Komponen Indikator Bisnis (KIB)
78.225,83
Components of Business Indicators (KIB)
0302000000 Faktor Pengali Kerugian Internal (FPKI)
1
Internal Loss Multiplier Factor (FPKI)
0303000000 Modal Minimum Risiko Operasional (MMRO)
78.225,83
Minimum Operational Risk Capital (MMRO)
0304000000 ATMR untuk Risiko Operasional
977.822,88
RWA for Operational Risk
*) Untuk Bank yang menggunakan Pendekatan Indikator Dasar dalam menghitung Risiko Operasional
*) For Banks that use the Basic Indicator Approach in calculating Operational Risk
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Halaman ini sengaja dikosongkan.
This page is intentionally left blank.
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06
Tanggung Jawab Sosial
Pengamanan
Perusahaan
Corporate Social Safety Responsibility
Bank Artha Graha Internasional berkomitmen
untuk menjalankan pengembangan usaha yang
tidak hanya berorientasi pada aspek ekonomi, tapi
Bank juga sangat memperhatikan aspek sosial
dan lingkungan sesuai visi dan misi Bank, sebagai
wujud tanggung jawab Bank dalam mendukung
pembangunan berkelanjutan.
Bank Artha Graha Internasional is committed to carrying out business
development that is not only oriented towards economic aspects, but
also paying close attention to social and environmental aspects
in accordance with the Bank’s vision and mission, as a form of the Bank’s
responsibility in supporting sustainable development.
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TANGGUNG JAWAB SOSIAL PENGAMANAN
PERUSAHAAN
Corporate Social Safety Responsibility
Tanggung Jawab Sosial Pengamanan Corporate Social Safety Responsibility
Perusahaan
PT Bank Artha Graha Internasional Tbk. berkomitmen PT Bank Artha Graha Internasional Tbk. is committed to
untuk menjalankan pengembangan usaha yang tidak hanya pursuing business development that focuses not only on
berorientasi pada aspek ekonomi, namun juga sangat economic aspects but also places great importance on social
memperhatikan aspek sosial dan lingkungan. Menyesuaikan and environmental aspects. In alignment with the Bank’s vision
dengan visi Bank yaitu menjadi institusi keuangan terkemuka to become a leading financial institution with sustainable
dengan kinerja prima yang berkelanjutan dan berkontribusi performance and contribute to the development of Indonesia,
dalam pembangunan Indonesia, serta misi Bank untuk as well as the Bank’s mission to provide comprehensive and
memberikan solusi keuangan berkelanjutan yang komprehesif innovative sustainable financial solutions, enhance service
dan inovatif, meningkatkan jangkauan serta kualitas pelayanan reach and quality through digitalization and financial inclusion,
melalui digitalisasi dan inklusi keuangan, mengembangkan develop reliable and dedicated human resources, and uphold
sumber daya manusia yang handal dan berdedikasi, serta good corporate governance while demonstrating care for
menjalankan tata kelola perusahaan yang baik serta peduli the community and the environment., the Bank takes these
terhadap masyarakat dan lingkungan. Hal ini dilakukan actions as part of its responsibility to support sustainable
sebagai wujud tanggung jawab Bank dalam mendukung development. This effort aims to improve the quality of life and
pembangunan berkelanjutan guna meningkatkan kualitas the environment, benefiting both the Bank and society at large.
kehidupan dan lingkungan yang bermanfaat, baik bagi Bank
maupun masyarakat pada umumnya.
Bank Artha Graha Internasional berkomitmen untuk menjalankan Bank Artha Graha Internasional is committed to business
pengembangan usaha yang tidak hanya berorientasi pada development that is not solely focused on economic aspects
aspek ekonomi, tapi Bank juga sangat memperhatikan aspek but also highly attentive to social and environmental factors, in
sosial dan lingkungan sesuai visi dan misi Bank, sebagai wujud line with the Bank’s vision and mission. This reflects the Bank’s
tanggung jawab Bank dalam mendukung pembangunan responsibility to support sustainable development.
berkelanjutan.
TANGGUNG JAWAB SOSIAL DAN LINGKUNGAN
Social and Environmental Responsibility
Dalam menjalankan kegiatan usahanya, PT Bank Artha In conducting its business activities, PT Bank Artha Graha
Graha Internasional Tbk. senantiasa berupaya bahwa Internasional Tbk. consistently strives to ensure that every
setiap keputusan dan aktivitas bisnis yang dilakukan mampu decision and business activity carried out benefits its
memberikan manfaat bagi para pemangku kepentingannya. stakeholders. The Bank views social responsibility as a necessity
Bank memandang bahwa tanggung jawab sosial merupakan that ultimately brings positive impact to the company’s value.
sebuah kebutuhan yang pada akhirnya akan memberikan This is crucial in maintaining the company’s image in the eyes
dampak positif terhadap nilai perusahaan. Hal ini penting untuk of the public, strengthening relationships with stakeholders,
menjaga citra perusahaan di mata masyarakat, memperkuat and creating a competitive advantage based on prevailing
hubungan dengan pemangku kepentingan, serta menciptakan values and norms. In line with this, the direction of its social
keunggulan kompetitif berdasarkan nilai serta norma yang responsibility efforts is focused on enhancing the Bank’s role
berlaku. Berkaitan dengan hal tersebut, arah pelaksanaan
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tanggung jawab sosial adalah dalam upaya meningkatkan peran in achieving the Sustainable Development Goals (SDGs) to
Bank dalam pencapaian tujuan pembangunan berkelanjutan support inclusive and sustainable economic growth.
atau Sustainable Development Goals (SDGs) untuk mendukung
pertumbuhan ekonomi yang inklusif dan berkelanjutan.
Bank harus juga dapat memberikan manfaat bagi seluruh The Bank must also be able to provide benefits to all stakeholders
pemangku kepentingan, dengan menjalankan program by implementing the Corporate Social Safety Responsibility
Tanggung Jawab Sosial Pengamanan Perusahaan atau (CSSR) program. As a demonstration of its commitment, the
Corporate Social Safety Responsibility (CSSR). Sebagai wujud Bank runs a CSSR program that focuses on environmental
komitmen, Bank menjalankan program CSSR yang berfokus conservation, disaster management, community social
pada bidang pelestarian lingkungan, penanggulangan welfare, and community empowerment. The CSSR programs
bencana, sosial kemasyarakatan, pemberdayaan masyarakat. implemented by the Bank are primarily aimed at communities
Program CSSR yang dijalankan Bank terutama ditujukan untuk located around the Bank’s operational areas.
masyarakat yang berada di sekitar wilayah operasi Bank.
Sebagai sebuah perusahaan yang bergerak dalam bidang As a company operating in the banking sector, the Bank is
perbankan, Bank telah berkomitmen dalam menerapkan committed to implementing sustainable finance programs as
program keuangan berkelanjutan yang merupakan part of the financial sector’s support for achieving sustainable
dukungan sektor keuangan dalam pencapaian pembangunan development. The Bank is fully aware that the financial system
berkelanjutan. Bank sangat menyadari bahwa sistem keuangan plays a crucial role in preventing funding or investment practices
dapat mengambil peran penting dalam mencegah terjadinya that support businesses using resources excessively, which
praktik pendanaan atau investasi pada kegiatan usaha yang ultimately leads to social inequality and environmental damage.
menggunakan sumber daya secara berlebihan, yang akhirnya
berdampak pada kesenjangan sosial dan mengakibatkan
kerusakan lingkungan hidup.
Bank Artha Graha Internasional secara berkala menyajikan Bank Artha Graha Internasional regularly provides information
informasi pelaksanaan program-program tanggung jawab sosial on the implementation of its social and environmental
dan lingkungan dalam bentuk Laporan Keberlanjutan pada responsibility programs through a Sustainability Report,
buku terpisah. Program-program tersebut dijalankan dalam published in a separate document. These programs are carried
rangka mendukung pencapaian berbagai tujuan keberlanjutan, out to support the achievement of various sustainability goals
baik pada aspek ekonomi, sosial, lingkungan, serta pada aspek across economic, social, environmental aspects, and good
tata kelola keberlanjutan yang baik. Penyampaian Laporan sustainability governance practices.The separate report is
terpisah tersebut, sesuai dengan Surat Edaran Otoritas Jasa submitted in accordance with Financial Services Authority (OJK)
Keuangan (OJK) No.16/SEOJK.04/2021 tentang Bentuk dan Circular Letter No. 16/SEOJK.04/2021 regarding the Form and
Isi Laporan Tahunan Emiten atau Perusahaan Publik, yaitu Content of the Annual Report for Issuers or Public Companies,
mengacu Peraturan OJK No.51/POJK.03/2017 tentang which refers to OJK Regulation No. 51/POJK.03/2017 on the
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Implementation of Sustainable Finance for Financial Services
Keuangan, Emiten, dan Perusahaan Publik. Selain mengacu Institutions, Issuers, and Public Companies. In addition to
pada ketentuan POJK tersebut, Laporan Keberlanjutan Bank complying with the provisions of the OJK Regulation, Bank
Artha Graha Internasional juga disusun dengan mengaci pada Artha Graha Internasional’s Sustainability Report is also
rujukan penyusunan laporan keberlanjutan menurut Global prepared based on the guidelines for sustainability reporting
Reporting Initiative (GRI) Standard yang dikeluarkan pada tahun according to the Global Reporting Initiative (GRI) Standards,
2021. issued in 2021.
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SURAT PERNYATAAN ANGGOTA DEWAN KOMISARIS DAN ANGGOTA DIREKSI
TENTANG TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2024
PT BANK ARTHA GRAHA INTERNASIONAL TBK
STATEMENT OF MEMBERS OF THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS
ON THE RESPONSIBILITY FOR THE 2024 ANNUAL REPORT OF
PT BANK ARTHA GRAHA INTERNASIONAL TBK
Jakarta, 25 April 2025
Jakarta, April 25, 2025
Dewan Komisaris,
Board of Commissioners,
Kiki Syahnakri
Komisaris Utama/Komisaris Independen
President Commissioner/Independent Commissioner
Tomy Winata Sugianto Kusuma
Wakil Komisaris Utama Wakil Komisaris Utama
Vice President Commissioner Vice President Commissioner
Elizawatie Simon Pesta Uli Sitanggang
Komisaris lndependen Komisaris lndependen
Independent Commissioner Independent Commissioner
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Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information in the
semua informasi dalam Laporan Tahunan PT Bank Artha Graha Annual Report of PT Bank Artha Graha Internasional Tbk for year
Internasional Tbk tahun 2024 telah dimuat secara lengkap 2024 has been fully contained and we shall be fully responsible
dan bertanggung jawab penuh atas kebenaran isi Laporan to the correctness of contents in the Annual Report of the Bank.
Tahunan Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Direksi,
Board of Directors,
Andy Kasih
Direktur Utama
President Director
Christina Harapan Indra S. Budianto
Wakil Direktur Utama Direktur
Vice President Director Director
Indrastomo Nugroho Handoyo Soedirdja
Direktur Kepatuhan/Direktur Independen Direktur
Compliance Director/Independent Director Director
2024 Annual Report PT Bank Artha Graha Internasional Tbk 489
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INDEKS PEMENUHAN SE-OJK 16-21 - AR BAGI 2024
Compliance Index of OJK Circular Letter 16-21 - Annual Report for 2024
KRITERIA PENJELASAN Halaman
Criteria Description Page
UMUM
General
Laporan tahunan disajikan dalam
bahasa Indonesia yang baik dan
benar dan dianjurkan menyajikan
juga dalam bahasa Inggris
The annual report is presented √
in proper and correct Indonesian
and is also recommended to be
provided in English.
Laporan tahunan dicetak
dengan kualitas yang baik dan
menggunakan jenis dan ukuran
huruf yang mudah dibaca
√
The annual report is printed with
good quality and uses a font type
and size that are easy to read.
Laporan Tahunan yang disajikan
dalam bentuk salinan dokumen
elektronik merupakan Laporan
Tahunan yang dikonversi dalam
format pdf.
√
The Annual Report presented in
the form of an electronic document
copy is the Annual Report converted
into PDF format.
Nama perusahaan dan tahun annual report ditampilkan di:
√
The company name and annual report year are displayed in:
Laporan tahunan mencantumkan
identitas perusahaan dengan jelas Sampul muka | Front cover √
The annual report clearly states the Samping | Spine
company’s identity. √
Sampul belakang | Back cover
Setiap halaman. | Each page √
Laporan tahunan ditampilkan di
website perusahaan, mencakup
laporan tahunan terkini dan paling
kurang 4 tahun terakhir.
The annual report is displayed on √
the company’s website, including
the most recent annual report and
at least the past four years.
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KRITERIA PENJELASAN Halaman
Criteria Description Page
IKHTISAR DATA KEUANGAN PENTING
Summary Of Key Financial Data
Ikhtisar Data Keuangan Penting
memuat informasi keuangan
yang disajikan dalam bentuk
perbandingan selama 3 (tiga) tahun
buku atau sejak memulai usahanya
jika Emiten atau Perusahaan Publik
tersebut menjalankan kegiatan
usahanya kurang dari 3 (tiga)
tahun, paling sedikit memuat: Informasi paling sedikit memuat antara lain:
16 - 22
The Summary of Key Financial This information includes at least:
Data contains financial information
presented in a comparative format
over 3 (three) fiscal years or since
the commencement of its business
operations if the Issuer or Public
Company has been operating for
less than 3 (three) years, and must
include at least the following:
1) Pendapatan/penjualan; | Revenue/sales; 19
2) Laba bruto; | Gross profit; 19
3) Laba (rugi); | Profit (loss);
4) jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas induk dan kepentingan
non pengendali; | Total profit (loss) attributable to owners of the parent entity and non-
controlling interests; 19
5) total laba (rugi) komprehensif; | Total comprehensive profit (loss); 19
6) jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada pemilik entitas
induk dan kepentingan non pengendali; | Total comprehensive profit (loss) attributable to 19
owners of the parent entity and non-controlling interests;
7) laba (rugi) per saham; | Earnings (loss) per share; 19
8) jumlah aset; | Total assets; 16
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KRITERIA PENJELASAN Halaman
Criteria Description Page
UMUM
General
Laporan tahunan disajikan dalam
bahasa Indonesia yang baik dan
benar dan dianjurkan menyajikan
juga dalam bahasa Inggris
The annual report is presented √
in proper and correct Indonesian
and is also recommended to be
provided in English.
Laporan tahunan dicetak
dengan kualitas yang baik dan
menggunakan jenis dan ukuran
huruf yang mudah dibaca
√
The annual report is printed with
good quality and uses a font type
and size that are easy to read.
Laporan Tahunan yang disajikan
dalam bentuk salinan dokumen
elektronik merupakan Laporan
Tahunan yang dikonversi dalam
format pdf.
√
The Annual Report presented in
the form of an electronic document
copy is the Annual Report converted
into PDF format.
Nama perusahaan dan tahun annual report ditampilkan di:
√
The company name and annual report year are displayed in:
Laporan tahunan mencantumkan
identitas perusahaan dengan jelas Sampul muka | Front cover √
The annual report clearly states the Samping | Spine
company’s identity. √
Sampul belakang | Back cover
Setiap halaman. | Each page √
Laporan tahunan ditampilkan di
website perusahaan, mencakup
laporan tahunan terkini dan paling
kurang 4 tahun terakhir.
The annual report is displayed on √
the company’s website, including
the most recent annual report and
at least the past four years.
IKHTISAR DATA KEUANGAN PENTING
Summary Of Key Financial Data
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Ikhtisar Data Keuangan Penting
memuat informasi keuangan
yang disajikan dalam bentuk
perbandingan selama 3 (tiga) tahun
buku atau sejak memulai usahanya
jika Emiten atau Perusahaan Publik
tersebut menjalankan kegiatan
usahanya kurang dari 3 (tiga)
tahun, paling sedikit memuat: Informasi paling sedikit memuat antara lain:
16 - 22
The Summary of Key Financial This information includes at least:
Data contains financial information
presented in a comparative format
over 3 (three) fiscal years or since
the commencement of its business
operations if the Issuer or Public
Company has been operating for
less than 3 (three) years, and must
include at least the following:
1) Pendapatan/penjualan; | Revenue/sales; 19
2) Laba bruto; | Gross profit; 19
3) Laba (rugi); | Profit (loss);
4) jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas induk dan kepentingan
non pengendali; | Total profit (loss) attributable to owners of the parent entity and non-
controlling interests; 19
5) total laba (rugi) komprehensif; | Total comprehensive profit (loss); 19
6) jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada pemilik entitas
induk dan kepentingan non pengendali; | Total comprehensive profit (loss) attributable to 19
owners of the parent entity and non-controlling interests;
7) laba (rugi) per saham; | Earnings (loss) per share; 19
8) jumlah aset; | Total assets; 16
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KRITERIA PENJELASAN Halaman
Criteria Description Page
9) jumlah liabilitas; | Total Liabilities; 17
10) jumlah ekuitas; | Total Equity;
18
11) Rasio laba (rugi) terhadap jumlah aset; | Profit (loss) to total assets ratio;
12) Rasio laba (rugi) terhadap ekuitas; | Profit (loss) to equity ratio; 21
13) Rasio laba (rugi) terhadap pendapatan/penjualan; | Profit (loss) to revenue/sales ratio;
21
14) Rasio lancar; | Current ratio;
15) Rasio liabilitas terhadap ekuitas; | Liabilities to equity ratio; 21
16) Rasio liabilitas terhadap jumlah aset; dan | Liabilities to total assets ratio; and 21
17) Rasio KPMM | Capital Adequacy Ratio (CAR);
18) Rasio Return on Asset (ROA); | Return on Assets (ROA) ratio; 20
19) Rasio Return on Equity (ROE); | Return on Equity (ROE) ratio; 21
20) Aset produktif | Productive assets;
21) Rasio Non-performing Loans (NPL); | Non-Performing Loan (NPL) ratio;
22) Rasio Beban OpeRasional terhadap Pendapatan OpeRasional (BOPO); | Operating
Expenses to Operating Income ratio (BOPO);
23) Cost to Income Ratio (CIR); | Cost to Income Ratio (CIR);
24) Rasio Net Interest Margin (NIM); | Net Interest Margin (NIM) ratio;
25) Persentase pelanggaran dan pelampauan Batas Maksimum Pemberian Kredit (BMPK); | 21 - 22
Percentage of violations and excesses of the Legal Lending Limit (LLL);
26) Rasio Giro Wajib Minimum (GWM); | Statutory Reserve Requirement (GWM) ratio;
27) Rasio Posisi Devisa Neto (PDN); dan | Net Open Position (NOP) ratio; and
28) Informasi dan Rasio keuangan lainnya yang relevan dengan Emiten atau Perusahaan
Publik dan jenis industrinya; | Other financial information and ratios relevant to the Issuer or
Public Company and its industry type.
INFORMASI SAHAM
Share Information
Informasi saham bagi Perusahaan Terbuka paling sedikit memuat: | Share information for a
Public Company should at least contain:
Saham yang telah diterbitkan untuk setiap masa triwulan yang disajikan dalam bentuk
perbandingan selama 2 (dua) tahun buku terakhir, paling sedikit memuat: | Shares issued for
26
each quarterly period were presented in the form of a comparison for the last 2 (two) financial
years, at least containing:
Jumlah saham yang beredar; | Number of outstanding shares; 26
Kapitalisasi pasar berdasarkan harga pada bursa efek tempat saham dicatatkan; | Market
26
capitalization based on the price on the stock exchange where the shares were listed;
Harga saham tertinggi, terendah, dan penutupan berdasarkan harga pada bursa efek
tempat saham dicatatkan; dan | The highest, lowest and closing share prices were based on 26
prices on the stock exchange where the shares are listed; and
Volume perdagangan pada bursa efek tempat saham dicatatkan. | Trading volume on the
26
stock exchange where the shares are listed.
Informasi dalam huruf b), huruf c) dan huruf d) hanya diungkapkan jika sahamnya tercatat
di bursa efek; | Information in letter b), letter c) and letter d) is only disclosed if the shares are
listed on the stock exchange;
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Dalam hal terjadi aksi korporasi yang menyebabkan terjadinya perubahan pada saham,
seperti pemecahan saham (stock split), penggabungan saham (reverse stock), dividen
saham, saham bonus, perubahan nilai nominal saham, penerbitan efek konversi, serta
penambahan dan pengurangan modal, informasi saham sebagaimana dimaksud pada
angka 1) ditambahkan penjelasan I In the event of a corporate action causing changes in 28
shares, such as stock splits, reverse stock, stock, dividends, bonus shares, changes in the
nominal value of shares, issuance of conversion securities, as well as capital additions and
deductions, stock information as referred to in number 1) should be added with at least an
explanation regarding:
Tanggal pelaksanaan aksi korporasi; | The date of implementation of the corporate action; 28
Rasio pemecahan saham (stock split), penggabungan saham (reverse stock), dividen
saham, saham bonus, jumlah efek konversi yang diterbitkan, dan perubahan nilai nominal
28
saham; | The ratio of stock splits, reverse stock, stock dividends, bonus shares, the number of
convertible securities issued, and changes in the nominal value of shares;
Jumlah saham beredar sebelum dan sesudah aksi korporasi; | Number of outstanding shares
28
before and after the corporate action;
Jumlah efek konversi yang dilaksanakan (jika ada); dan | Number of conversion effects
28
executed (if any); and
Harga saham sebelum dan sesudah aksi korporasi; | Share prices before and after corporate
28
actions;
Dalam hal terjadi penghentian sementara perdagangan saham (suspension) dan/atau
pembatalan pencatatan saham (delisting) dalam tahun buku, dijelaskan alasan penghentian
sementara perdagangan saham (suspension) dan/atau pembatalan pencatatan saham 27 - 28
(delisting) tersebut; dan | In the event of a temporary suspension of share trading (suspension)
and/or delisting of shares in the financial year, the should be explained; and
Dalam hal penghentian sementara perdagangan saham (suspension) sebagaimana
dimaksud pada angka 3) dan/ atau proses pembatalan pencatatan saham (delisting) masih
berlangsung hingga akhir periode Laporan Tahunan, dijelaskan tindakan yang dilakukan
untuk menyelesaikan penghentian sementara perdagangan saham (suspension) dan/
27 - 28
atau pembatalan pencatatan saham (delisting) tersebut. | In the event that the temporary
suspension of share trading as referred to in number 3) and/or the delisting process was still
ongoing until the end of the Annual Report period, it explained the actions taken to resolve
the temporary suspension of share trading and/ or cancellation of the share listing (delisting).
Informasi memuat: Information contained:
Jumlah obligasi/sukuk/obligasi konversi yang beredar (outstanding); | Number of outstanding
29
bonds/sukuk/convertible bonds;
Informasi mengenai obligasi, sukuk
atau obligasi konversi yang masih
Tingkat bunga/imbalan; Interest rate/yield; 29
beredar dalam 2 (dua) tahun buku
terakhir | Information on bonds,
Tanggal jatuh tempo; dan Due date; and 29
sukuk or convertible bonds that
were still outstanding in the last 2
(two) financial years. Peringkat obligasi/sukuk tahun 2020 dan 2021. | Bond/sukuk ratings for 2020 and 2021. 29
Catatan: apabila perusahaan tidak memiliki obligasi/sukuk/ obligasi konversi,agar
diungkapkan. | Note: if the company did not have bonds/sukuk/convertible bonds, it had to 29
be disclosed.
LAPORAN DEWAN KOMISARIS DAN DIREKSI
Report Of The Board Of Commissioners And Board Of Directors
Laporan Dewan Komisaris | Board Laporan Dewan Komisaris paling sedikit memuat uraian singkat mengenai: | The report of
of Commissioners Report the Board of Commissioners should at least contain a brief description about:
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Penilaian terhadap kinerja Direksi mengenai pengelolaan Emiten atau Perusahaan
Publik, termasuk pengawasan Dewan Komisaris dalam perumusan dan
implementasi strategi Emiten atau Perusahaan Publik yang dilakukan oleh Direksi;
Assessment of the performance of the Board of Directors regarding the management of 44
Issuers or Public Companies, including the supervision of the Board of Commissioners in the
formulation and implementation of strategies for Issuers or Public Companies carried out by
the Board of Directors;
Pandangan atas prospek usaha Emiten atau Perusahaan Publik yang disusun oleh Direksi; dan
42 - 44,
Views on the business prospects of the Issuer or Public Company prepared by the Board of
47 - 48
Directors; and
Pandangan atas penerapan tata kelola Emiten atau Perusahaan Publik | Views on the
49
implementation of the governance of the Issuer or Public Company.
Perubahan komposisi Dewan Komisaris (jika ada) dan alasan perubahannya | Changes in
51
the composition of the Board of Commissioners (if any) and the reasons for the changes.
Laporan Direksi Laporan Direksi paling sedikit memuat uraian singkat mengenai: | The Board of Directors’
59 - 60
Board of Directors’ Report report should at least contain a brief description of:
Kinerja Emiten atau Perusahaan Publik, paling sedikit memuat: | Performance of Issuers or
60 - 61
Public Companies, at least containing:
Strategi dan kebijakan strategis Emiten atau Perusahaan Publik; | Issuer’s or Public
61
Company’s strategy and strategic policies;
Peranan Direksi dalam perumusan strategi dan kebijakan strategis Emiten atau Perusahaan
Publik; | The role of the Board of Directors in formulating strategies and strategic policies of 61 - 62
Issuers or Public Companies;
Proses yang dilakukan Direksi untuk memastikan implementasi strategi Emiten atau
Perusahaan Publik; | The process carried out by the Board of Directors to ensure the 61
implementation of the Issuer’s or Public Company’s strategy;
Perbandingan antara hasil yang dicapai dengan yang ditargetkan Emiten atau Perusahaan
Publik; dan | Comparison between the results achieved with those targeted by the Issuer or 61 - 62
Public Company; and
Kendala yang dihadapi Emiten atau Perusahaan Publik; | Constraints faced by Issuers or
62 - 66
Public Companies;
Gambaran tentang prospek usaha Emiten atau Perusahaan Publik; dan | Description of the
55 - 59
business prospects of the Issuer or Public Company; and
Penerapan tata kelola Emiten atau Perusahaan Publik. | Implementation of the governance
66 - 67
of Issuers or Public Companies.
Perubahan komposisi anggota Direksi (jika ada) dan alasan perubahannya. | Changes in
the composition of the members of the Board of Directors (if any) and the reasons for the 68
changes.
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Memuat hal-hal sebagai berikut: | Contains the following:
Tanda tangan dituangkan pada lembaran tersendiri; | Signatures are written on a separate
sheet;
Pernyataan bahwa Dewan Komisaris dan Direksi bertanggung jawab penuh atas kebenaran
isi laporan tahunan; | Statement that the Board of Commissioners and Board of Directors are
fully accountable for the validity of the contents of the annual report;
Tanda tangan anggota Direksi dan
Dewan Komisaris Ditandatangani seluruh anggota Dewan Komisaris dan anggota Direksi dengan menyebutkan
Signatures of members of the nama dan jabatannya; dan | Signed by all members of the Board of Commissioners and
Board of Directors and Board of Board of Directors by mentioning their names and positions; and
Commissioners
Penjelasan tertulis dalam surat tersendiri dari yang bersangkutan dalam hal terdapat anggota
Dewan Komisaris atau anggota Direksi yang tidak menandatangani laporan tahunan, atau
penjelasan tertulis dalam surat tersendiri dari anggota yang lain dalam hal tidak terdapat
penjelasan tertulis dari yang bersangkutan.
A written explanation in a separate letter from the concerned person in the event that there
are members of the Board of Commissioners or Board of Directors who do not sign the
annual report, or a written explanation in a separate letter from other members in the event
that there is no written explanation from the concerned person.
PROFIL PERUSAHAAN
Company Profile
Akses terhadap Emiten atau Perusahaan Publik termasuk kantor cabang atau kantor
perwakilan yang memungkinkan masyarakat dapat memperoleh informasi mengenai
Emiten atau Perusahaan Publik, meliputi: | Access to Issuers or Public Companies including 72
branch offices or representative offices that allowed the public to obtain information about
Issuers or Public Companies, including:
Nama dan alamat lengkap
perusahaan Alamat; | Address; 73
Company name and full address
Nomor telepon; | Telephone number; 73
Alamat surat elektronik; dan | Electronic mail address; and 73
Alamat situs web; | Website address; 73
Mencakup antara lain: tanggal/ tahun pendirian, nama, perubahan nama perusahaan
(jika ada), dan tanggal efektif perubahan nama perusahaan | It included: date/year of
Riwayat singkat Emiten atau 77 - 82
establishment, name, change of company name (if any), and effective date of change of
Perusahaan Publik;
company name.
Brief history of the Issuer or Public
Company
Catatan | Note: apabila perusahaan tidak pernah melakukan perubahan nama, agar
77
diungkapkan | if the company had never changed its name, it should be disclosed.
Mencakup: | It included:
Visi perusahaan; | Company vision; 74
Misi perusahaan; | Company mission; 74
Visi, Misi, dan Budaya Perusahaan
Vision, Mission and Corporate
Culture Keterangan bahwa visi dan misi tersebut telah direviu dan disetujui oleh Direksi/Dewan
Komisaris pada tahun buku; dan | Information that the vision and mission had been reviewed 75
and approved by the Board of Directors/Board of Commissioners for the financial year; and
Pernyataan mengenai budaya perusahaan (corporate culture) yang dimiliki Perusahaan. | A
75
statement regarding the corporate culture of the Company.
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Uraian mengenai antara lain: | It described:
Kegiatan usaha perusahaan menurut anggaran dasar terakhir; | The company’s business
83
Bidang usaha activities according to the latest articles of association;
Business fields
Kegiatan usaha yang dijalankan; dan | Business activities carried out; and 83 - 84
Produk dan/atau jasa yang dihasilkan. | Products and/or services produced. 85 - 91
Wilayah opeRasional Emiten atau Perusahaan Publik; wilayah
opeRasional merupakan wilayah atau daerah pelaksanaan kegiatan
Wilayah OpeRasional
opeRasional atau jangkauan dari kegiatan opeRasional perusahaan. 92 - 95
Operational Area
Operational area of Issuer or Public Company; operational area was the area or area for the
implementation of operational activities or the range of the company’s operational activities.
Struktur organisasi Emiten atau Perusahaan Publik dalam bentuk bagan, paling sedikit
sampai dengan struktur 1 (satu) tingkat di bawah Direksi termasuk komite di bawah Direksi
(jika ada) dan komite di bawah Dewan Komisaris, disertai dengan nama dan jabatan.
Struktur Organisasi
The organizational structure of the Issuer or Public Company in the form of a chart, at least up 98 - 99
Organizational structure
to the structure of 1 (one) level below the Board of Directors including committees under the
Board of Directors (if any) and committees under the Board of Commissioners, accompanied
by names and positions.
Daftar keanggotaan asosiasi industri baik dalam skala nasional maupun
Keanggotaan Asosiasi internasional yang berkaitan dengan penerapan keuangan berkelanjutan.
96
Association Member List of industry association memberships both on a national and international scale related to
the implementation of sustainable finance.
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Profil Dewan Komisaris, paling sedikit memuat:
Profile of the Board of Commissioners, at least contained:
Nama dan jabatan; | Name and position; 100 - 103
Foto terbaru; | Recent photos; 100 - 103
Usia; | Age; 100 - 103
Kewarganegaraan; | Citizenship; 100 - 103
Riwayat pendidikan dan/atau sertifikasi; | Educational history and/or certification; 100 - 103
Riwayat jabatan, meliputi informasi: | Position history, including information on: 100 - 103
Dasar hukum pengangkatan sebagai anggota Dewan Komisaris; | Legal basis for
100 - 103
appointment as member of the Board of Commissioners;
Dasar hukum pengangkatan pertama kali sebagai anggota Dewan Komisaris yang
merupakan komisaris independen pada Emiten atau Perusahaan Publik yang bersangkutan;
100 - 103
| The legal basis for the first appointment as a member of the Board of Commissioners who
was an independent commissioner of the Issuer or Public Company concerned;
Rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau
anggota komite serta jabatan lainnya baik di dalam maupun di luar Emiten atau Perusahaan
Publik. Dalam hal anggota Dewan Komisaris tidak memiliki rangkap jabatan, maka
diungkapkan mengenai hal tersebut; | Concurrent positions, either as a member of the Board
Profil Dewan Komisaris 100 - 103
of Commissioners, member of the Board of Directors, and/or committee member as well as
Board of Commissioners Profile other positions both inside and outside the Issuer or Public Company. In the event that a
member of the Board of Commissioners did not have concurrent positions, then this should
be disclosed;
Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau
Perusahaan Publik; | Work experience and period of time both inside and outside the Issuer 100 - 103
or Public Company;
Hubungan afiliasi dengan anggota Dewan Komisaris lainnya, pemegang saham utama, dan
pengendali baik langsung maupun tidak langsung sampai kepada pemilik individu, meliputi
nama pihak yang terafiliasi; Dalam hal anggota Dewan Komisaris tidak memiliki hubungan
afiliasi, maka Emiten atau Perusahaan Publik mengungkapkan hal tersebut; | Affiliation
100 - 103
with other members of the Board of Commissioners, major shareholders, and controllers,
either directly or indirectly, to individual owners, including names of affiliated parties; In the
event that a member of the Board of Commissioners had no affiliation, the Issuer or Public
Company should disclose this matter;
Pernyataan independensi komisaris independen dalam hal komisaris independen telah
menjabat lebih dari 2 (dua) periode; dan | Statement of independence of the independent
100 - 103
commissioner in the event that the independent commissioner had served more than 2 (two)
terms; and
Perubahan komposisi anggota Dewan Komisaris dan alasan perubahannya.
Dalam hal tidak terdapat Dalam hal tidak terdapat perubahan komposisi
anggota Dewan Komisaris, maka diungkapkan mengenai hal tersebut;
100
Changes in the composition of the members of the Board of Commissioners and the reasons
for the changes. In the event that there was no change in the composition of the members of
the Board of Commissioners, this matter should be disclosed;
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Profil Direksi, paling sedikit memuat: | Profile of the Board of Directors, at least contained:
Nama dan jabatan yang sesuai dengan tugas dan tanggung jawab; | Name and position in
104 - 108
accordance with the duties and responsibilities;
Foto terbaru; | Recent photos; 104 - 108
Usia; | Age; 104 - 108
Kewarganegaraan; | Citizenship; 104 - 108
Riwayat pendidikan dan/atau sertifikasi; | Educational history and/or certification; 104 - 108
Riwayat jabatan, meliputi informasi: | Position history, including information on: 104 - 108
Dasar hukum pengangkatan sebagai anggota Direksi pada Emiten atau Perusahaan Publik
yang bersangkutan; | The legal basis for appointment as a member of the Board of Directors 104 - 108
of the Issuer or Public Company concerned;
Rangkap jabatan, baik sebagai anggota Direksi, anggota Dewan Komisaris, dan/atau anggota
komite serta jabatan lainnya baik di dalam maupun di luar Emiten atau Perusahaan Publik.
Profil Direksi Dalam hal anggota Direksi tidak memiliki rangkap jabatan, maka diungkapkan mengenai hal
Board of Directors Profile tersebut; dan | Concurrent positions, either as a member of the Board of Directors, member 104 - 108
of the Board of Commissioners, and/or committee member as well as other positions both
inside and outside the Issuer or Public Company. In the event that a member of the Board of
Directors does not have concurrent positions, then this was disclosed; and
Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau
Perusahaan Publik; | Work experience and period of time both inside and outside the Issuer 104 - 108
or Public Company;
Hubungan afiliasi dengan anggota Direksi lainnya, anggota Dewan Komisaris, pemegang
saham utama, dan pengendali baik langsung maupun tidak langsung sampai kepada pemilik
individu, meliputi nama pihak yang terafiliasi. Dalam hal anggota Direksi tidak memiliki
hubungan afiliasi, maka Emiten atau Perusahaan Publik mengungkapkan hal tersebut;
104 - 108
dan | Affiliation with other members of the Board of Directors, members of the Board of
Commissioners, major shareholders, and controllers either directly or indirectly to individual
owners, including names of affiliated parties. In the event that a member of the Board of
Directors had no affiliation, the Issuer or Public Company should disclose this matter; and
Perubahan komposisi anggota Direksi dan alasan perubahannya. Dalam hal tidak terdapat
perubahan komposisi anggota Direksi, maka diungkapkan mengenai hal tersebut; | Changes
in the composition of the members of the Board of Directors and the reasons for the changes. 104
In the event that there was no change in the composition of the members of the Board of
Directors, this matter should be disclosed;
Jumlah karyawan menurut jenis kelamin, jabatan, usia, tingkat pendidikan, dan status
Jumlah karyawan dan data
ketenagakerjaan (tetap/kontrak) dalam tahun buku; | Number of employees by gender,
pengembangan kompetensi 116 - 119
position, age, education level, and employment status (permanent/ contracted) in the financial
karyawan
year;
Number of employees and
data on employee competency
Pengungkapan informasi dapat disajikan dalam bentuk tabel. | Disclosure of information
development.
could be presented in tabular form.
Nama pemegang saham dan persentase kepemilikan pada awal dan akhir tahun buku, yang
Komposisi pemegang saham
terdiri dari informasi mengenai: | Name of shareholders and percentage of ownership at the 120
Composition of shareholders
beginning and end of the financial year consisted of information regarding:
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Pemegang saham yang memiliki 5% (lima persen) atau lebih saham Emiten atau Perusahaan
Publik; | Shareholders owning 5% (five percent) or more shares of the Issuer or Public 120 - 121
Company;
Anggota Direksi dan anggota Dewan Komisaris yang memiliki saham Emiten atau
Perusahaan Publik. Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan
Komisaris tidak memiliki saham, maka diungkapkan mengenai hal tersebut; | Members of
the Board of Directors and members of the Board of Commissioners owning shares of Issuers 121
or Public Companies. In the event that all members of the Board of Directors and/or all
members of the Board of Commissioners did not own shares, then this matter should be
disclosed;
Persentase kepemilikan tidak langsung atas saham Emiten atau Perusahaan Publik oleh
anggota Direksi dan anggota Dewan Komisaris pada awal dan akhir tahun buku, termasuk
informasi mengenai pemegang saham yang terdaftar dalam daftar pemegang saham untuk
kepentingan kepemilikan tidak langsung anggota Direksi dan anggota Dewan Komisaris; |
Percentage of indirect ownership of shares of Issuers or Public Companies by members of the 121
Board of Directors and members of the Board of Commissioners at the beginning and end of
the financial year, including information on shareholders registered in the shareholder register
for the benefit of indirect ownership of members of the Board of Directors and members of
the Board of Commissioners;
Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan Komisaris tidak memiliki
kepemilikan tidak langsung atas saham Emiten atau Perusahaan Publik, maka diungkapkan
mengenai hal tersebut. | In the event that all members of the Board of Directors and/or all 121
members of the Board of Commissioners did not have indirect ownership of the shares of the
Issuer or Public Company, this matter shouldl be disclosed.
Kelompok pemegang saham masyarakat, yaitu kelompok pemegang saham yang masing-
masing memiliki kurang dari 5% (lima persen) saham Emiten atau Perusahaan Publik; |
121 - 122
Community shareholder group, namely the group of shareholders who each owned less than
5% (five percent) of the shares of the Issuer or Public Company;
Jumlah pemegang saham dan persentase kepemilikan per akhir tahun buku berdasarkan
klasifikasi: | Number of shareholders and percentage of ownership at the end of the financial
year based on classification:
Kepemilikan institusi lokal; | Ownership of local institutions; 120
Kepemilikan institusi asing; | Ownership of foreign institutions; 122
Kepemilikan individu lokal; dan | Local individual ownership; and 122
Kepemilikan individu asing; | Foreign individual ownership; 122
Informasi di atas dapat disajikan dalam bentuk tabel | The above information could be
presented in tabular form.
Informasi mengenai pemegang saham utama dan pengendali Emiten atau Perusahaan
Pemegang saham utama dan Publik, baik langsung maupun tidak langsung, sampai kepada pemilik individu, yang
pengendali disajikan dalam bentuk skema atau bagan; | Information regarding the main and controlling 122
Major and controlling shareholders shareholders of the Issuer or Public Company, either directly or indirectly, to the individual
owners presented in the form of a scheme or chart;
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Criteria Description Page
Nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama dimana Emiten atau
Perusahaan Publik memiliki pengendalian bersama entitas (jika ada), beserta persentase
kepemilikan saham, bidang usaha, total aset, dan status operasi entitas anak, perusahaan
Daftar entitas anak dan/atau entitas asosiasi, perusahaan ventura bersama. | The name of the subsidiary, associated company, 122
asosiasi joint venture company where the Issuer or Public Company had joint control of the entity
List of subsidiaries and/or associated (if any), along with the percentage of share ownership, line of business, total assets, and
entities operating status of the subsidiary, associated company, joint venture company.
Untuk entitas anak, ditambahkan informasi mengenai alamat entitas anak tersebut. | For a
122
subsidiary, information about the address of the subsidiary was added.
Memuat informasi antara lain: | It contained information including:
Nama dan alamat entitas anak dan/ Nama dan alamat entitas anak; dan | Name and address of the subsidiary; and 122
atau kantor cabang atau kantor
perwakilan (jika ada) Nama dan alamat kantor cabang/perwakilan. | Name and address of branch/representative
128 - 133
Name and address of the office.
subsidiary and/or branch office or
representative office (if any) Catatan: | Note: apabila perusahaan tidak memiliki entitas anak, kantor cabang, dan kantor
perwakilan, agar diungkapkan. | if the company did not have a subsidiary, branch office, and
representative office, it should be disclosed.
Struktur grup perusahaan dalam bentuk bagan yang menggambarkan entitas induk,
Struktur grup perusahaan entitas anak, entitas asosiasi, joint venture, dan special purpose vehicle (SPV) | Company
122
Company group structure group structure in the form of a chart depicting parent entities, subsidiaries, associates, joint
ventures, and special purpose vehicles (SPV).
Kronologis pencatatan saham, jumlah saham, nilai nominal, dan harga penawaran dari awal
pencatatan hingga akhir tahun buku serta nama bursa efek dimana saham Emiten atau
Perusahaan Publik dicatatkan, termasuk pemecahan saham (stock split), penggabungan
saham (reverse stock), dividen saham, saham bonus, dan perubahan nilai nominal saham,
pelaksanaan efek konversi, pelaksanaan penambahan dan pengurangan modal (jika ada);
Kronologi pencatatan saham
| Chronology of share listing, number of shares, nominal value, and offering price from 123 - 125
Share listing chronology
the beginning of listing to the end of the financial year as well as the name of the stock
exchange where the shares of the Issuer or Public Company were listed, including stock splits,
reverse stock, stock dividends, bonus shares, and changes in the nominal value of shares,
implementation of conversion effects, implementation of capital additions and subtractions
(if any);
Kronologis penerbitan efek
(termasuk private placement)
dan/atau pencatatan saham dari Informasi pencatatan efek lainnya yang belum jatuh tempo pada tahun buku paling sedikit
awal penerbitan sampai dengan memuat nama efek, tahun penerbitan, tingkat suku bunga/imbal hasil, tanggal jatuh tempo,
akhir tahun buku. | Chronology of nilai penawaran, dan peringkat efek (jika ada); | Other securities listing information that had 125
securities issuance (including private not matured in the financial year at least included the name of the securities, year of issue,
placement) and/or share listing from interest rate/yield, maturity date, offering value, and rating of securities (if any);
the initial issuance to the end of the
financial year.
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Informasi penggunaan jasa akuntan publik (AP) dan kantor akuntan publik (KAP) beserta
jaringan/asosiasi/aliansinya meliputi: | Information on the use of public accounting services
(AP) and public accounting firms (KAP) and their networks/associations/ allies included:
Nama dan alamat; | Name and address; 126, 350
Periode penugasan; | Assignment period; 351
Informasi jasa audit dan/atau non audit yang diberikan; | Information on audit and/or non-
350 - 351
Informasi penggunaan jasa akuntan audit services provided;
publik (AP) dan kantor akuntan
publik (KAP) | Information on the Biaya jasa (fee) audit dan/atau non audit untuk masing- masing penugasan yang diberikan
use of public accountants (AP) and selama tahun buku; dan | Audit and/or non-audit fees for each assignment given during the 351
public accounting firms (KAP) financial year; and
Dalam hal AP dan KAP beserta jaringan/asosiasi/ aliansinya, yang ditunjuk tidak memberikan
jasa non audit, maka diungkapkan mengenai informasi tersebut. | In the event that AP and
351
KAP and their networks/ associations/allies, which are appointed do not provide non-audit
services, then the information is disclosed.
Pengungkapan informasi penggunaan jasa AP dan KAP beserta jaringan/asosiasi/aliansinya
dapat disajikan dalam bentuk tabel. | Disclosure of information on the use of AP and KAP 350 - 351
services and their networks/associations/allies could be presented in tabular form.
Nama dan alamat lembaga dan/
Nama dan alamat lembaga dan/atau profesi penunjang pasar modal selain AP dan KAP. |
atau profesi penunjang
Name and address of capital market supporting institutions and/or professions other than AP 126 - 127
Name and address of supporting
and KAP.
institutions and/or professions
Penghargaan yang diterima Informasi memuat antara lain: | It contained nformation in the following:
dalam tahun buku terakhir dan/
atau sertifikasi yang masih berlaku Nama penghargaan dan/atau sertifikasi; | Name of award and/or certification; 8-9
dalam tahun buku terakhir baik
yang berskala nasional maupun Tahun perolehan penghargaan dan/atau sertifikasi; | Year of award and/or certification; 8-9
internasional Awards received
in the last financial year and/or Badan pemberi penghargaan dan/atau sertifikasi; dan | The awarding and/or certification
certifications that are still valid in the 9
body; and
last financial year both on a national
and international scale Masa berlaku (untuk sertifikasi) | Validity period (for certification). 9
ANALISA DAN PEMBAHASAN MANAJEMEN ATAS KINERJA PERUSAHAAN I MANAGEMENT DISCUSSION AND
ANALYSIS ON COMPANY PERFORMANCE
Tinjauan operasi per segmen usaha sesuai dengan jenis industri
Tinjauan operasi per segmen usaha
Emiten atau Perusahaan Publik, paling sedikit mengenai:
I Operational review by business
Operational review per business segment according to the type of industry of the Issuer or
segment
Public Company, at least regarding:
Penjelasan masing-masing segmen usaha. | Explanation of each business segment. 152
Kinerja per segmen usaha, antara lain: | Performance per business segment, including: 153
Produksi, yang meliputi proses, kapasitas, dan perkembangannya; | Production, which
152
includes the process, capacity, and development;
Peningkatan/penurunan kapasitas produksi; | Increase/decrease in production capacity; 152
Penjualan/pendapatan usaha; dan | Sales/operating income; and 153
Profitabilitas | Profitability 152 - 155
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KRITERIA PENJELASAN Halaman
Criteria Description Page
Analisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan tahun
yang bersangkutan dengan tahun sebelumnya dan penyebab kenaikan/penurunan suatu
akun (dalam bentuk narasi dan tabel), antara lain mengenai: | Financial performance analysis
which included a comparison between the financial performance of the year concerned with
the previous year and the causes of an increase/ decrease in an account (in the form of
narratives and tables), including regarding:
Aset lancar, aset tidak lancar, dan total aset; | Current assets, non-current assets, and total
156 - 160
Uraian atas kinerja keuangan assets;
perusahaan
Description of the company’s Liabilitas jangka pendek, liabilitas jangka panjang dan total liabilitas; | Short-term liabilities,
160 - 162
financial performance long-term liabilities and total liabilities;
Ekuitas; | Equity; 162
Penjualan/pendapatan usaha, beban, laba (rugi), penghasilan komprehensif lain, dan
penghasilan komprehensif periode berjalan; | Sales/operating income, expenses, profit (loss), 163 - 165
other comprehensive income, and comprehensive income for the current period;
Arus kas; | Cash flow; 166
Bahasan dan analisis tentang Penjelasan tentang: | Explanation of:
kemampuan membayar utang
dan tingkat kolektibilitas piutang Kemampuan membayar hutang, baik jangka pendek maupun jangka panjang dan | Ability
perusahaan, dengan menyajikan 168
to pay debts, both short term and long term and
perhitungan Rasio yang relevan
sesuai dengan jenis industri
perusahaanDiscussion and analysis
of abilities To pay debts and the
collectibility level of the company’s Tingkat kolektibilitas piutang. | The level of collectibility of receivables 168 - 169
receivables, by presenting the
relevant ratio calculations according
to the type of company industry
Penjelasan atas: | The explanation consisted of:
Bahasan tentang struktur modal
Rincian struktur modal (capital structure) yang terdiri dari utang berbasis bunga/sukuk dan
(capital structure) dan kebijakan
ekuitas; dan | Details of the capital structure consisting of interest- based debt/ sukuk and 169 - 171
manajemen atas struktur modal
equity; and
(capital structure policy)
Discussion on capital structure and
Kebijakan manajemen atas struktur modal (capital structure policies); dan | Management
management of capital structure 170
policies on capital structure (capital structure policies); and
policy
Dasar pemilihan kebijakan manajemen | Basis for selecting management policy 170
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Criteria Description Page
Penjelasan tentang: | It explained:
Nama pihak yang melakukan ikatan; | The name of the party making the bond; n.a
Tujuan dari ikatan tersebut; | The purpose of the bond; n.a
Bahasan mengenai ikatan yang
material untuk investasi barang Sumber dana yang diharapkan untuk memenuhi ikatan- ikatan tersebut; | The expected
n.a
modal (bukan ikatan pendanaan) source of funds to fulfill these commitments;
pada tahun buku terakhir
Discussion on material Mata uang yang menjadi denominasi; dan | Currency to be denominated; and n.a
commitments for capital
goods investment (not funding Langkah-langkah yang direncanakan perusahaan untuk melindungi risiko dari posisi mata
commitments) in the last financial uang asing yang terkait. | Measures planned by the company to protect the risk from the n.a
year related foreign currency position.
Catatan | Note:
apabila perusahaan tidak mempunyai ikatan terkait investasi barang modal pada tahun buku 174
terakhir agar diungkapkan. | if the company did not have a commitment related to investment
in capital goods in the last financial year, it should be disclosed.
Penjelasan tentang: | It explained:
Jenis investasi barang modal; | Types of investment in capital goods; 174
Bahasan mengenai investasi
barang modal yang direalisasikan Tujuan investasi barang modal; dan | The purpose of investment in capital goods; and 174
pada tahun buku terakhir
Discussion on investment in capital Nilai investasi barang modal yang dikeluarkan pada tahun buku terakhir. | The investment
174
goods realized in the last financial value of capital goods issued in the last financial year.
year
Catatan | Note:
apabila tidak terdapat realisasi investasi barang modal, agar diungkapkan. | if there was no 174
realization of capital goods investment, it should be disclosed.
Informasi perbandingan antara
target pada awal tahun buku
dengan hasil yang dicapai
(realisasi), dan target atau proyeksi
yang ingin dicapai untuk satu tahun
Perbandingan antara target/proyeksi pada awal tahun buku dengan hasil yang dicapai
mendatang.
(realisasi), mengenai: | Comparison between targets/projections at the beginning of the year
Comparison information between
book with the results achieved (realization), regarding:
the target at the beginning of
the financial year with the results
achieved (realization), and the
targets or projections to be
achieved for the coming year.
Pendapatan/penjualan; | Revenue/sales; 175
Laba (rugi); | Profit (loss); 175
Struktur modal (capital structure); | Capital structure; 175
Pemasaran; | Marketing; 175
Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik. | Other matters
176
deemed important to the Issuer or Public Company.
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Criteria Description Page
Target/proyeksi yang ingin dicapai Emiten atau Perusahaan Publik untuk 1 (satu) tahun
mendatang, mengenai: | Targets/ projections to be achieved by the Issuer or Public Company 176
for the next 1 (one) year,
Pendapatan/penjualan; | Revenue/sales; 176
Laba (rugi); | Profit (loss); 176
Struktur modal (capital structure); | Capital structure; 176
Kebijakan dividen; | Dividend Policy; 176
Pemasaran; | Marketing; 176
Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik. | Other matters
176
deemed important to the Issuer or Public Company.
Uraian kejadian penting setelah tanggal laporan akuntan termasuk dampaknya terhadap
Informasi dan fakta material yang
kinerja dan risiko usaha di masa mendatang. | Description of significant events after the date 175
terjadi setelah tanggal laporan
of the accountant’s report including their impact on future business performance and risks.
akuntan
Material information and facts
Catatan | Note: apabila tidak ada kejadian penting setelah tanggal laporan akuntan agar
occurring after the date of the
diungkapkan. | if there was no significant event after the date of the accountant’s report, it n.a
accountant’s report
should be disclosed.
Prospek usaha dari Emiten atau Perusahaan Publik dikaitkan dengan kondisi industri,
Uraian tentang prospek usaha
ekonomi secara umum dan pasar internasional disertai data pendukung kuantitatif dari
perusahaan
sumber data yang layak dipercaya. | The business prospects of the Issuer or Public Company 149 - 152
Description of the company’s
are related to industrial conditions, the general economy and the international market
business prospects
accompanied by quantitative supporting data from reliable data sources.
Aspek pemasaran atas barang dan/atau jasa Emiten atau Perusahaan Publik, paling sedikit
Uraian tentang aspek pemasaran mengenai strategi pemasaran dan pangsa pasar. | The marketing aspect of the goods and/
147 - 149
Description of the marketing aspect or services of the Issuer or Public Company, at least regarding the marketing strategy and
market share.
Uraian mengenai dividen selama 2 (dua) tahun buku terakhir, paling sedikit: | Description of
dividends for 2 (two) financial years last, at least:
Kebijakan dividen, antara lain memuat informasi persentase jumlah dividen yang dibagikan
terhadap laba bersih; | Dividend policy contained information of the percentage of total 176
dividends distributed to net income;
Tanggal pembayaran dividen kas dan/atau tanggal distribusi dividen non kas; | Date of
Uraian mengenai dividen selama 2 176
payment of cash dividends and/or date of distribution of non-cash dividends;
(dua) tahun buku terakhir.
Description of dividends for the last Jumlah dividen per saham (kas dan/atau non kas); | Total dividends per share (cash and/
2 (two) financial years 176
or non-cash);
Jumlah dividen per tahun yang dibayar. | The amount of dividends per year paid 176
Catatan | Note:
Dalam hal Emiten atau Perusahaan Publik tidak membagikan dividen dalam 2 (dua) tahun 176
terakhir, maka diungkapkan mengenai hal tersebut. | if there was no dividend payment in last
two consecutive years, the reasons should be disclosed.
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Criteria Description Page
Memuat uraian mengenai: | It contained a description of:
Total perolehan dana; | Total proceeds; n.a
Rencana penggunaan dana; | Plan for the use of funds; n.a
Realisasi penggunaan dana hasil
Rincian penggunaan dana; | Details of the use of funds; n.a
penawaran umum (dalam hal
perusahaan masih diwajibkan
menyampaikan laporan realisasi Saldo dana; dan | Fund balance; and n.a
penggunaan dana)
Realization of the use of proceeds Tanggal persetujuan RUPS/RUPO atas perubahan penggunaan dana (jika ada). | The date
n.a
from the public offering (in the event of approval of the GMS/RUPO for changes in the use of funds (if any).
that the company was still required
to submit a report on the realization Catatan | Note:
n.a
of the use of funds) dalam hal terdapat perubahan penggunaan dana sebagaimana diatur dalam Peraturan
Otoritas Jasa Keuangan mengenai laporan realisasi penggunaan dana hasil penawaran
umum, maka Emiten menjelaskan perubahan tersebut;
apabila tidak memiliki informasi realisasi penggunaan dana hasil penawaran umum, agar 177
diungkapkan. | if the company did not have information on the realization of the use of
proceeds from the public offering, it should be disclosed.
Informasi material (jika Memuat uraian mengenai: | It contained a description of:
ada), antara lain mengenai
investasi, ekspansi, divestasi, Tanggal, nilai, dan objek transaksi; | Transaction date, value, and object;
penggabungan/peleburan usaha, 179 - 181
akuisisi, restrukturisasi utang/ Nama pihak yang melakukan transaksi; | Name of the party conducting the transaction;
modal, transaksi material,
transaksi afiliasi, dan transaksi 178
benturan kepentingan, yang terjadi Sifat hubungan afiliasi (jika ada); | The nature of the affiliation relationship (if any);
pada tahun buku
Penjelasan mengenai kewajaran transaksi; | Explanation of the fairness of the transaction; 178
Material information (if any),
including but not limited to 181
investment, expansion, divestment,
merger/consolidation, acquisition,
debt/equity restructuring, material Pemenuhan ketentuan terkait; | Fulfillment of related provisions;
transactions, affiliated transactions, 182
and conflict of interest transactions
that occurred during the fiscal year.
Dalam hal terdapat hubungan afiliasi, selain mengungkapkan informasi sebagaimana
dimaksud dalam angka 1) sampai dengan angka 5), Emiten atau Perusahaan Publik juga
mengungkapkan informasi: | In the event that there was an affiliation relationship, in addition 179 - 180
to disclosing the information as referred to in number 1) to number 5), the Issuer or Public
Company also disclosed information:
Pernyataan Direksi bahwa transaksi afiliasi telah melalui prosedur yang memadai untuk
memastikan bahwa transaksi afiliasi dilaksanakan sesuai dengan praktik bisnis yang berlaku
umum antara lain dilakukan dengan memenuhi prinsip transaksi yang wajar (armslength
principle); dan | Statement of the Board of Directors that affiliated transactions had gone 181
through adequate procedures to ensure that affiliated transactions were carried out in
accordance with generally accepted business practices, among others, by complying with
the arms-length principle; and
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Criteria Description Page
Peran Dewan Komisaris dan komite audit dalam melakukan prosedur yang memadai untuk
memastikan bahwa transaksi afiliasi dilaksanakan sesuai dengan praktik bisnis yang berlaku
umum antara lain dilakukan dengan memenuhi prinsip transaksi yang wajar (armslength
principle); | The role of the Board of Commissioners and the audit committee in carrying out 181
adequate procedures to ensure that affiliated transactions were carried out in accordance
with generally accepted business practices, among others, is carried out by complying with
the arms-length principle;
Untuk transaksi afiliasi atau transaksi material yang merupakan kegiatan usaha yang
dijalankan dalam rangka menghasilkan pendapatan usaha dan dijalankan secara rutin,
berulang, dan/atau berkelanjutan, ditambahkan penjelasan bahwa transaksi afiliasi
atau transaksi material tersebut merupakan kegiatan usaha yang dijalankan dalam
rangka menghasilkan pendapatan usaha dan dijalankan secara rutin, berulang, dan/
atau berkelanjutan; Dalam hal transaksi afiliasi atau transaksi material dimaksud
telah diungkapkan dalam laporan keuangan tahunan, ditambahkan informasi
mengenai rujukan pengungkapan dalam laporan keuangan tahunan tersebut. 182
For affiliated transactions or material transactions which became business activities carried
out in order to generate business income and are carried out regularly, repeatedly, and/or
continuously, an explanation was added that the affiliated transactions or material transactions
were business activities carried out in order to generate operating income and run regularly,
repeatedly, and/or continuously; In the event that the affiliated transactions or material
transactions referred to have been disclosed in the annual financial statements, additional
information regarding the disclosure reference in the annual financial statements was added.
Untuk pengungkapan transaksi afiliasi dan/atau transaksi benturan
kepentingan yang merupakan hasil pelaksanaan transaksi afiliasi dan/
atau transaksi benturan kepentingan yang telah disetujui pemegang saham
independen, ditambahkan informasi mengenai tanggal pelaksanaan RUPS yang
menyetujui transaksi afiliasi dan/atau transaksi benturan kepentingan tersebut;
n.a
For disclosure of affiliated transactions and/or conflict of interest transactions resulting from
the implementation of affiliated transactions and/or conflict of interest transactions that have
been approved by independent shareholders, additional information regarding the date of
the GMS which approved the affiliated transactions and/or conflict of interest transactions is
added;
Dalam hal tidak terdapat transaksi afiliasi dan/atau transaksi
benturan kepentingan, maka diungkapkan mengenai hal tersebut.
177 - 182
In the event that there was no affiliated transaction and/ or conflict of interest transaction, this
matter should be disclosed.
Uraian memuat antara lain: | The description included:
Nama peraturan perundang-undangan yang mengalami perubahan; dan | The name of the
184 - 188
Uraian mengenai perubahan legislation undergoing changes; and
peraturan perundang-undangan
terhadap perusahaan pada tahun Dampaknya (kuantitatif dan/atau kualitatif) terhadap perusahaan (jika signifikan) atau
buku terakhir pernyataan bahwa dampaknya tidak signifikan. | The impact (quantitative and/or qualitative) 184 - 188
A description of changes in the laws on the company (if significant) or a statement that the impact is not significant.
and regulations of the company in
the last financial year Catatan | Note:
apabila tidak terdapat perubahan peraturan perundang- undangan pada tahun buku n.a
terakhir, agar diungkapkan. | if there were no changes to the laws and regulations in the last
financial year, the matters should be disclosed.
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Criteria Description Page
Uraian memuat antara lain: | The description included:
Uraian mengenai perubahan
kebijakan akuntansi yang Perubahan kebijakan akuntansi; | Changes in accounting policies; 188 - 189
diterapkan perusahaan pada tahun
buku terakhir Alasan perubahan kebijakan akuntansi; dan | Reasons for changes in accounting policies;
188 - 189
A description of the changes in and
accounting policies adopted by the
company in the last financial year Dampaknya secara kuantitatif terhadap laporan keuangan. | Quantitative impact on financial
188 - 189
statement
TATA KELOLA PERUSAHAAN
Good Corporate Governance
Informasi mengenai keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun
buku meliputi: | Information regarding the resolutions of the GMS in the financial year and 1 224 - 227
(one) year before the financial year included:
keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun buku yang direalisasikan
pada tahun buku; dan | resolutions of the GMS in the financial year and 1 (one) year before the 228 - 233
financial year are realized in the financial year; and
Rapat Umum Pemegang Saham
(RUPS) | General Meeting of keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun
Sharehoders buku yang belum direalisasikan beserta alasan belum direalisasikan;
n.a
resolutions of the GMS for the financial year and 1 (one) year before the financial year that
have not been realized and the reasons for not realizing them;
dalam hal Emiten atau Perusahaan Publik menggunakan pihak independen dalam pelaksanaan
RUPS untuk melakukan perhitungan suara, maka diungkapkan mengenai hal tersebut;
n.a
in the event that the Issuer or Public Company uses an independent party in the conduct of
the GMS to calculate the votes, then this matter shall be disclosed
Tugas dan tanggung jawab masing-masing anggota Direksi; | Duties and responsibilities of
each member of the Board of Directors
Direksi
Informasi mengenai tugas dan tanggung jawab masing- masing anggota Direksi diuraikan 255 - 256
Directors
dan dapat disajikan dalam bentuk tabel. | Information regarding the duties and responsibilities
of each member of the Board of Directors is described and can be presented in tabular form.
Pernyataan bahwa Direksi memiliki pedoman atau piagam (charter) Direksi; | A statement
247
that the Board of Directors had guidelines or charter for the Board of Directors;
Kebijakan dan pelaksanaan frekuensi rapat Direksi, rapat Direksi bersama Dewan Komisaris,
dan tingkat kehadiran anggota Direksi dalam rapat tersebut termasuk kehadiran dalam
RUPS;
222 - 223,
Informasi tingkat kehadiran anggota Direksi dalam rapat Direksi, rapat Direksi bersama 242 - 243,
Dewan Komisaris, atau RUPS dapat disajikan dalam bentuk tabel. | Information on the level 257
of attendance of members of the Board of Directors at the meeting of the Board of Directors,
the meeting of the Board of Directors with the Board of Commissioners, or the GMS can be
presented in tabular form
Pelatihan dan/atau peningkatan kompetensi anggota Direksi: | Training and/or competency
improvement of members of the Board of Directors:
Kebijakan pelatihan dan/atau peningkatan kompetensi anggota Direksi, termasuk program
orientasi bagi anggota Direksi yang baru diangkat (jika ada); dan | Policy on training and/
258
or improving the competence of members of the Board of Directors, including an orientation
program for newly appointed members of the Board of Directors (if any); and
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Pelatihan dan/atau peningkatan kompetensi yang diikuti anggota Direksi dalam tahun buku
(jika ada); | Training and/or competency improvement attended by members of the Board of 258 - 260
Directors in the financial year (if any);
Penilaian Direksi terhadap kinerja komite yang mendukung pelaksanaan tugas Direksi pada
tahun buku paling sedikit memuat: | The Board of Directors’ assessment of the performance
261
of the committees supporting the implementation of the Board of Directors’ duties for the
financial year shall at least contain:
prosedur penilaian kinerja; dan | performance appraisal procedures; and 261
kriteria yang digunakan seperti capaian kinerja selama tahun buku, kompetensi dan
kehadiran dalam rapat; dan | the criteria used were performance achievements during the 261
financial year, competence and attendance at meetings; and
dalam hal Emiten atau Perusahaan Publik tidak memiliki komite yang mendukung
pelaksanaan tugas Direksi, maka diungkapkan mengenai hal tersebut. | in the event that the
n.a
Issuer or Public Company did not have a committee that supports the implementation of the
duties of the Board of Directors, then this should be disclosed.
Dewan Komisaris Tugas dan tanggung jawab Dewan Komisaris; | Duties and responsibilities of the Board of
Board of Commissioners Commissioners;
Pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam (charter) Dewan
Komisaris; | A statement that the Board of Commissioners had guidelines or charter for the 234 - 235
Board of Commissioners;
Kebijakan dan pelaksanaan frekuensi rapat Dewan Komisaris, rapat Dewan Komisaris
bersama Direksi dan tingkat kehadiran anggota Dewan Komisaris dalam rapat tersebut
termasuk kehadiran dalam RUPS. | Policy and implementation of the frequency of meetings
of the Board of Commissioners, meetings of the Board of Commissioners with the Board of
Directors and the level of attendance of members of the Board of Commissioners in these 222 - 223,
meetings, including attendance at the GMS. 242 - 243,
Informasi tingkat kehadiran anggota Dewan Komisaris dalam rapat Dewan Komisaris, 257
rapat Dewan Komisaris bersama Direksi, atau RUPS dapat disajikan dalam bentuk tabel.
| Information on the level of attendance of members of the Board of Commissioners at the
meeting of the Board of Commissioners, the meeting of the Board of Commissioners with the
Board of Directors, or the GMS can be presented in tabular form.
pelatihan dan/atau peningkatan kompetensi anggota Dewan Komisaris: | training and/or
243 - 244
competency improvement of members of the Board of Commissioners:
kebijakan pelatihan dan/atau peningkatan kompetensi anggota Dewan Komisaris, termasuk
program orientasi bagi anggota Dewan Komisaris yang baru diangkat (jika ada); dan | policies
on training and/or improving the competence of members of the Board of Commissioners, 243 - 244
including orientation programs for newly appointed members of the Board of Commissioners
(if any); and
pelatihan dan/atau peningkatan kompetensi yang diikuti anggota Dewan Komisaris dalam
tahun buku (jika ada); | training and/or competency improvement attended by members of 243 - 244
the Board of Commissioners in the financial year (if any);
Penilaian kinerja Direksi dan Dewan Komisaris serta masing-masing anggota Direksi dan
anggota Dewan Komisaris, paling sedikit memuat: | Performance appraisal of the Board of
269 - 270
Directors and the Board of Commissioners as well as each member of the Board of Directors
and the Board of Commissioners, at least containing:
prosedur pelaksanaan penilaian kinerja; | performance appraisal implementation procedures; 269 - 270
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Criteria Description Page
kriteria yang digunakan seperti capaian kinerja selama tahun buku, kompetensi dan
kehadiran dalam rapat; dan | the criteria used were performance achievements during the 269 - 270
financial year, competence and attendance at meetings; and
pihak yang melakukan penilaian; dan | the party conducting the assessment; and 269 - 270
Penilaian Dewan Komisaris terhadap kinerja Komite yang mendukung pelaksanaan tugas
Dewan Komisaris pada tahun buku meliputi: | The assessment of the Board of Commissioners
on the performance of the Committees that support the implementation of the duties of the
Board of Commissioners in the financial year includes:
prosedur penilaian kinerja; dan | performance appraisal procedures; and 245 - 246
kriteria yang digunakan seperti capaian kinerja selama tahun buku, kompetensi dan
kehadiran dalam rapat; | the criteria used are performance achievements during the financial 245 - 246
year, competence and attendance at meetings;
Paling sedikit memuat: | At least it contained:
Prosedur nominasi, meliputi uraian singkat mengenai kebijakan dan proses nominasi
anggota Direksi dan/ atau anggota Dewan Komisaris; dan | The nomination procedure,
270 - 275
including a brief description of the nomination policies and processes for members of the
Board of Directors and/or members of the Board of Commissioners; and
Prosedur dan pelaksanaan remunerasi Direksi dan Dewan Komisaris, antara lain: |
Procedures and implementation of remuneration for the Board of Directors and the Board of 275 - 279
Commissioners, including:
Nominasi dan remunerasi Direksi
dan Dewan Komisaris | Nomination
prosedur penetapan remunerasi Direksi dan Dewan Komisaris; | procedures for determining
and remuneration of the Board 275 - 276
remuneration for the Board of Directors and the Board of Commissioners;
of Directors and the Board of
Commissioners
struktur remunerasi Direksi dan Dewan Komisaris seperti, gaji, tunjangan, tantiem/bonus
dan lainnya; dan | the remuneration structure of the Board of Directors and the Board of 278 - 279
Commissioners such as salary, allowances, tantiem/bonus and others; and
besarnya remunerasi masing-masing anggota Direksi dan anggota Dewan Komisaris; | the
amount of remuneration for each member of the Board of Directors and member of the Board 278 - 279
of Commissioners;
Pengungkapan informasi dapat disajikan dalam bentuk tabel. | Disclosure of information can
be presented in tabular form.
Bagi Emiten atau Perusahaan Publik yang menjalankan kegiatan usaha berdasarkan
prinsip syariah sebagaimana tertuang dalam anggaran dasar, paling sedikit memuat:
1. Nama;
2. Dasar hukum pengangkatan dewan pengawas syariah
Dewan Pengawas Syariah n.a
3. Periode penugasan dewan pengawas syariah;
4. Tugas dan tanggung jawab dewan pengawas syariah; dan
5. frekuensi dan cara pemberian nasihat dan saran serta pengawasan pemenuhan
prinsip syariah di pasar modal terhadap Emiten atau Perusahaan Publik.
Komite audit | Audit committee Paling sedikit memuat: | At least it contained:
Nama dan jabatannya dalam keanggotaan komite; | Name and position in committee
103, 283
membership;
Usia; | Age; 103, 283
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Criteria Description Page
Kewarganegaraan; | Nationality; 103, 283
Riwayat pendidikan; | Educational history; 103, 283
Riwayat jabatan, meliputi informasi: | Position history, including information on: 103, 283
Dasar hukum penunjukan sebagai anggota komite; | Legal basis for appointment as
103, 283
committee member;
Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota direksi, dan/atau anggota
komite serta jabatan lainnya (jika ada); dan | Concurrent positions, either as a member of the
103
board of commissioners, member of the board of directors, and/or committee member and
other positions (if any); and
Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar emiten atau
perusahaan publik; | Work experience and period of time both inside and outside the issuer 103, 283
or public company;
Periode dan masa jabatan anggota komite audit; | Period and term of office of audit
103, 283
committee members;
Pernyataan independensi komite audit; | Statement of independence of the audit committee; 284
Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada);
| Training and/or competency improvement that have been followed in the financial year (if 289
any);
Kebijakan dan pelaksanaan frekuensi rapat komite audit dan tingkat kehadiran anggota
komite audit dalam rapat tersebut; dan | Policy and implementation of the frequency of
285 - 288
audit committee meetings and the level of attendance of audit committee members at the
meeting; and
Pelaksanaan kegiatan komite audit pada tahun buku sesuai dengan yang dicantumkan
dalam pedoman atau piagam (charter) komite audit; | Implementation of the audit
289 - 292
committee’s activities for the financial year in accordance with the guidelines or charter of
the audit committee;
Komite SDM, Nominasi dan
Remunerasi
Paling sedikit memuat: | At least it contained
Committee HRD Nomination and
Remuneration
Nama dan jabatannya dalam keanggotaan komite; | Name and position in committee 100 - 102,
membership; 294
100 - 102,
Usia; | Age;
112
100 - 102,
Kewarganegaraan; | Nationality;
112
100 - 102,
Riwayat pendidikan; | Educational history;
112
100 - 102,
Riwayat jabatan, meliputi informasi: | Position history, including information on:
112
Dasar hukum penunjukan sebagai anggota komite; | Legal basis for appointment as
294
committee member;
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Criteria Description Page
Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota direksi, dan/atau anggota
komite serta jabatan lainnya (jika ada); dan | Concurrent positions, either as a member of the
100 - 102
board of commissioners, member of the board of directors, and/or committee member and
other positions (if any); and
Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar emiten atau
100 - 102,
perusahaan publik; | Work experience and period of time both inside and outside the issuer
112
or public company;
Periode dan masa jabatan anggota komite; | Period and term of office of audit committee 100 - 102,
members; 294
Pernyataan independensi komite; | Statement of independence of the audit committee; 295
Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada);
| Training and/or competency improvement that have been followed in the financial year (if 298 - 299
any);
Uraian tugas dan tanggung jawab; | Description of duties and responsibilities; 295 - 296
Pernyataan bahwa telah memiliki pedoman atau piagam (charter); | A statement of having a
293
guideline or charter (charter);
Kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran anggota dalam rapat
tersebut; | The policy and implementation of meeting frequency and the attendance rate of 296 - 297
members in those meetings;
Uraian singkat pelaksanaan kegiatan pada tahun buku; dan 298 - 299
dalam hal tidak dibentuk komite nominasi dan remunerasi, Emiten atau Perusahaan
Publik cukup mengungkapkan informasi sebagaimana dimaksud dalam huruf 9) sampai n.a
dengan huruf 12) dan mengungkapkan:
alasan tidak dibentuknya komite; dan n.a
pihak yang melaksanakan fungsi nominasi dan remunerasi n.a
Komite Tata Kelola dan Manajemen
Paling sedikit memuat: | At least it contained
Risiko
Nama dan jabatannya dalam keanggotaan komite; | Name and position in committee
100, 282
membership;
Usia; | Age; 100, 282
Kewarganegaraan; | Nationality; 100, 282
Riwayat pendidikan; | Educational history; 100, 282
Riwayat jabatan, meliputi informasi: | Position history, including information on: 100, 282
Dasar hukum penunjukan sebagai anggota komite; | Legal basis for appointment as
301
committee member;
Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota direksi, dan/atau anggota
komite serta jabatan lainnya (jika ada); dan | Concurrent positions, either as a member of the
100, 282
board of commissioners, member of the board of directors, and/or committee member and
other positions (if any); and
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Criteria Description Page
Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar emiten atau
perusahaan publik; | Work experience and period of time both inside and outside the issuer 100, 282
or public company;
Periode dan masa jabatan anggota komite; | Period and term of office of audit committee
301
members;
Pernyataan independensi komite; | Statement of independence of the audit committee; 302
Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada);
| Training and/or competency improvement that have been followed in the financial year (if 305
any);
Uraian tugas dan tanggung jawab; | Description of duties and responsibilities; 303
Pernyataan bahwa telah memiliki pedoman atau piagam (charter); | A statement of having a
300
guideline or charter (charter);
Kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran anggota dalam rapat
tersebut; | The policy and implementation of meeting frequency and the attendance rate of 303 - 305
members in those meetings;
Uraian singkat pelaksanaan kegiatan pada tahun buku
306
Brief description of activities carried out during the fiscal year; and
Paling sedikit memuat: | At least it contained
Nama; | Name; 111, 338
Domisili; | Domicile; 111
Riwayat jabatan, meliputi: | Position history, including: 111
Dasar hukum penunjukan sebagai sekretaris perusahaan; dan | Legal basis for appointment
338
as company secretary; and
Sekretaris perusahaan
Company secretary Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar emiten atau
perusahaan publik; | Work experience and period of time both inside and outside the issuer 111
or public company;
Riwayat pendidikan; | Educational history; 111
Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku; dan | Training
342
and/or competency improvement that was followed in the financial year; and
Uraian singkat pelaksanaan tugas sekretaris perusahaan pada tahun buku; | A brief
description of the implementation of the duties of the corporate secretary for the financial 341 - 342
year;
Unit Audit Internal
Paling sedikit memuat: | At least it contained
Internal Audit Unit
Nama kepala unit audit internal; | Name of the head of the internal audit unit; 111, 345
Riwayat jabatan, meliputi: | Position history, including: 111
Dasar hukum penunjukan sebagai sekretaris perusahaan; dan | Legal basis for appointment
343
as company secretary; and
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Criteria Description Page
Pengalaman kerja beserta periode waktunya baik di dalam maupun di luar emiten atau
perusahaan publik; | Work experience and period of time both inside and outside the issuer 111
or public company;
Kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada); | Qualification or
347
certification as an internal audit profession (if any);
Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku; | Training and/
349
or competency improvement that was followed in the financial year;
Struktur dan kedudukan unit audit internal; | The structure and position of the internal audit
346
unit;
Uraian tugas dan tanggung jawab; | Description of duties and responsibilities; 348
Pernyataan bahwa telah memiliki pedoman atau piagam (charter) unit audit internal; dan | A
343 - 344
statement that the internal audit unit had a guideline or charter; and
Uraian singkat pelaksanaan tugas unit audit internal pada tahun buku termasuk kebijakan
dan pelaksanaan frekuensi rapat dengan direksi, dewan komisaris, dan/ atau komite audit;
| A brief description of the implementation of the internal audit unit’s duties for the financial 348
year including the policy and implementation of the frequency of meetings with the board of
directors, board of commissioners, and/ or audit committee;
Nama dan tahun akuntan publik yang melakukan audit laporan keuangan tahunan selama
5 tahun terakhir; | Name and year of the public accountant who audited the annual financial 351
statements for the last 5 years
Nama dan tahun Kantor Akuntan Publik yang melakukan audit laporan keuangan tahunan
selama 5 tahun terakhir; | Name and year of the Public Accounting Firm that audited the 351
annual financial statements for the last 5 years;
Besarnya fee untuk masing-masing jenis jasa yang diberikan oleh Kantor Akuntan Publik
Akuntan Publik pada tahun buku terakhir; dan | The amount of the fee for each type of service provided by 351
Public Accountant the Public Accounting Firm in the last financial year; and
Jasa lain yang diberikan Kantor Akuntan Publik dan akuntan publik selain jasa audit laporan
keuangan tahunan pada tahun buku terakhir. | Other services provided by Public Accounting
351
Firms and public accountants other than auditing services for annual financial statements in
the last financial year.
Catatan | Note:
apabila tidak ada jasa lain dimaksud, agar diungkapkan. | if there was no other service, it 351
should be disclosed
Pengendalian keuangan dan opeRasional, serta kepatuhan terhadap peraturan perundang-
undangan lainnya; | Financial and operational control, as well as compliance with other laws 358
Uraian mengenai sistem and regulations;
pengendalian internal (internal
Control) yang diterapkan oleh
Tinjauan atas efektivitas sistem pengendalian internal; an | Review of the effectiveness of the
emiten atau perusahaan Publik, 360
internal control system; and
A description of the internal control
system implemented by the issuer or
public company, Pernyataan Direksi dan/atau Dewan Komisaris atas kecukupan sistem pengendalian internal;
| Statement of the Board of Directors and/or Board of Commissioners on the adequacy of the 360
internal control system;
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Paling sedikit menjelaskan: | At least explained
Gambaran umum mengenai sistem manajemen risiko Emiten atau Perusahaan Publik; |
397 - 399
General description of the risk management system of the Issuer or Public Company;
Sistem manajemen risiko yang
diterapkan oleh Emiten Atau
Jenis risiko dan cara pengelolaannya; | Types of risks and how to manage them; 399 - 417
Perusahaan Publik
The risk management system
implemented by the Issuer or Public Tinjauan atas efektivitas sistem manajemen risiko Emiten atau Perusahaan Publik; dan |
Company Overview of the effectiveness of the risk management system Issuer or Public Company; and
Pernyataan Direksi dan/atau Dewan Komisaris atau komite audit atas kecukupan sistem
manajemen risiko; | Statement of the Board of Directors and/or the Board of Commissioners 399 - 400
or the audit committee on the adequacy of the risk management system;
Perkara hukum yang berdampak Pokok perkara/gugatan; | Principal case/lawsuit; 361 - 362
material yang dihadapi Oleh
emiten atau perusahaan publik, Status penyelesaian perkara/gugatan; dan | Status of settlement of cases/claims; and 361
entitas anak, Anggota direksi dan
anggota dewan komisaris (jika ada),
| Legal cases that have a material
impact faced by the issuer or public
company, subsidiaries, members of Pengaruhnya terhadap kondisi emiten atau perusahaan publik; | The effect on the condition
361
the board of directors and members of the issuer or public company;
of the board of commissioners (if
any),
Informasi tentang sanksi
administratif/ sanksi yang
Dikenakan kepada emiten atau
perusahaan publik, Anggota
dewankomisaris dan anggota
direksi, oleh Otoritas jasa keuangan
dan otoritas lainnya pada tahun
Buku (jika ada) | Information on
361
administrative sanctions/ sanctions
imposed on issuers or public
companies, members of the board
of commissioners and members
of the board of directors, by the
financial services authority and
other authorities in the financial year
(if any)
Akses informasi dan data
perusahaan: Uraian mengenai
tersedianya akses informasi dan
data perusahaan kepada publik,
misalnya melalui website (dalam
bahasa Indonesia dan bahasa
Inggris), media massa, mailing list,
buletin, pertemuan dengan analis,
dan sebagainya. | Information on 362 - 364
administrative sanctions/ sanctions
imposed on issuers or public
companies, members of the board
of commissioners and members
of the board of directors, by the
financial services authority and
other authorities in the financial year
(if any)
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Paling sedikit menjelaskan: | At least explained
Pokok-pokok kode etik; | The points of the code of ethic 369 - 370
Pengungkapan bahwa kode etik berlaku bagi seluruh level organisasi; | Disclosure that the
370
code of ethics applied to all levels of the organization;
Informasi mengenai kode etik Penyebarluasan kode etik; | Dissemination of the code of ethics; 370
Emiten atau Perusahaan Publik
| Information regarding the code Sanksi untuk masing-masing jenis pelanggaran yang diatur dalam kode etik (normatif); dan |
371
of conduct of the Issuer or Public Sanctions for each type of violation stipulated in the code of ethics (normative); and
Company
Jumlah pelanggaran kode etik beserta sanksi yang diberikan pada tahun buku terakhir.
| The number of violations of the code of ethics along with the sanctions given in the last 371
financial year.
Catatan | Note:
apabila tidak terdapat pelanggaran kode etik pada tahun buku terakhir, agar diungkapkan. 371
| if there is no violation of the code of ethics in the last financial year, it must be disclosed.
Paling sedikit menjelaskan: | At least explained
Dalam hal pemberian kompensasi berupa program Kepemilikan saham oleh manajemen
Uraian singkat mengenai kebijakan (management stock Ownership program/ MSOP) dan/atau program Kepemilikan saham oleh
pemberian Kompensasi jangka karyawan (employee stock Ownership program/ESOP), maka dijelaskan | A brief description
panjang berbasis kinerja kepada of the policy of providing long-term performance- based compensation to management and/ 377
manajemen dan/ atau karyawan or employees owned by the issuer or public company (if any), including the management
yang dimiliki oleh emiten atau stock ownership program (MSOP) and/or stock ownership program by employees (employee
perusahaan publik (jika ada), antara Stock ownership program/ESOP), then explained:
lain berupa Program kepemilikan
saham oleh manajemen Jumlah saham dan/atau opsi; | Number of shares and/or options; 377
management stock ownership
program/msop) dan/atau Program Jangka waktu pelaksanaan; | Exercise period; 377
kepemilikan saham oleh karyawan
(employee Stock ownership Persyaratan karyawan dan/atau manajemen yang berhak; dan | Eligibility requirements for
program/esop); 377
employees and/or management; and
Harga pelaksanaan atau penentuan harga pelaksanaan. | Exercise price or the method of
n.a
determining the exercise price.
Paling sedikit menjelaskan: | At least explained
Kepemilikan saham anggota direksi dan anggota Dewan komisaris paling lambat 3 (tiga)
Uraian singkat mengenai kebijakan
hari kerja Setelah terjadinya kepemilikan atau setiap Perubahan kepemilikan atas saham
pengungkapan Informasi | Brief
perusahaan Terbuka; dan | Share ownership of members of the board of directors and 262
description of Information disclosure
members of the board of commissioners no later than 3 (three) working days after the
policy
occurrence of ownership or any change in ownership of shares of a public company; and
Pelaksanaan atas kebijakan dimaksud; | Implementation of the policy; 262
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Paling sedikit menjelaskan: | At least explained
Cara penyampaian laporan pelanggaran; | How to submit a violation report; 373
Perlindungan bagi pelapor; | Protection for whistleblowers; 374
Penanganan pengaduan; | Handling of complaints; 374
Uraian mengenai sistem pelaporan
Pihak yang mengelola pengaduan; dan | The party managing the complaint; and 374
pelanggaran (whistleblowing
system) di Emiten atau Perusahaan
Publik | Description of the Hasil dari penanganan pengaduan, paling sedikit: | The results of the handling of complaints,
375
whistleblowing system at the Issuer at least:
or Public Company
Jumlah pengaduan yang masuk dan diproses Dalam tahun buku; dan | Number of
375
complaints received and processed in the financial year; and
Tindak lanjut pengaduan; | Follow-up on complaints; 375
Dalam hal emiten atau perusahaan publik tidak memiliki Sistem pelaporan pelanggaran
(whistleblowing system), Maka diungkapkan mengenai hal tersebut. | In the event that the n.a
issuer or public company did not have a whistleblowing system, then this should be disclosed.
Paling sedikit menjelaskan: | At least explained
Program dan prosedur yang dilakukan dalam Mengatasi praktik korupsi, balas jasa
(kickbacks), Fraud, suap dan/ atau gratifikasi dalam Emiten atau Perusahaan Publik; dan |
377
Programs and procedures implemented in overcoming the practice of corruption, kickbacks,
Uraian mengenai kebijakan anti
fraud, bribery and/ or gratuities in Issuers or Public Companies; and
korupsi Emiten atau Perusahaan
Publik | Description of the Issuer’s
Pelatihan/sosialisasi anti korupsi kepada karyawan Emiten atau Perusahaan Publik; | Anti-
or Public Company’s anti- 377
corruption training/socialization for employees of Issuers or Public Companies;
corruption policy
Dalam hal Emiten atau Perusahaan Publik tidak memiliki Kebijakan anti korupsi, maka
dijelaskan alasan tidak Dimilikinya kebijakan dimaksud. | In the event that the Issuer or Public
n.a
Company did not have an anti-corruption policy, the reasons for not having the said policy
should be explained.
Pernyataan mengenai rekomendasi yang telah dilaksanakan; dan/atau | Statement of
Penerapan atas pedoman tata 381 - 392
recommendations that had been implemented; and/or
kelola Perusahaan Terbuka bagi
Emiten yang menerbitkan efek
Penjelasan atas rekomendasi yang belum dilaksanakan, disertai alasan dan alternative
bersifat ekuitas atau Perusahaan
pelaksanaannya (jika ada). | Explanation of recommendations that had not been implemented, 381 - 392
Publik | Implementation of Public
along with reasons and alternative implementations (if any).
Company governance guidelines for
Issuers issuing equity securities or
Public Companies Pengungkapan informasi dapat disajikan dalam bentuk tabel. | Disclosure of information can
be presented in tabular form.
Paling sedikit menjelaskan: | At least explained
Penilaian Penerapan GCG untuk Kriteria yang digunakan dalam penilaian | Criteria used in the assessment 214 - 215
tahun buku 2021 yang meliputi
paling kurang aspek Dewan
Pihak yang melakukan penilaian | The party conducting the assessment 215
Komisaris dan Direksi | GCG
Implementation Assessment for the
Skor penilaian masing-masing kriteria | The assessment score of each criterion 216
financial year 2020 which included
at least aspects of the Board of
Commissioners and the Board of Rekomendasi hasil penilaian | Recommended assessment results 216
Directors
Alasan belum/tidak diterapkannya rekomendasi. | Reasons for not yet/not implemented
216
recommendations.
518 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 519
Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
KRITERIA PENJELASAN Halaman
Criteria Description Page
TANGGUNG JAWAB SOSIAL DAN LINGKUNGAN EMITEN ATAU PERUSAHAAN PUBLIK
Social And Environmental Responsibility Of The Issuer Or Public Company
1. Informasi yang diungkapkan dalam bagian tanggung jawab sosial dan lingkungan
merupakan Laporan Keberlanjutan (Sustainability Report) sebagaimana dimaksud
dalam Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 tentang
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan
Perusahaan Publik, paling sedikit memuat:
a. penjelasan strategi keberlanjutan;
b. ikhtisar aspek keberlanjutan (ekonomi, sosial, dan lingkungan hidup);
c. profil singkat Emiten atau Perusahaan Publik;
d. penjelasan Direksi;
e. tata kelola keberlanjutan;
f. kinerja keberlanjutan;
g. verifikasi tertulis dari pihak independen, jika ada;
h. lembar umpan balik (feedback) untuk pembaca, jika ada; dan
i. tanggapan Emiten atau Perusahaan Publik terhadap umpan balik laporan tahun
sebelumnya;
2. The information disclosed in the social and environmental responsibility section
constitutes the Sustainability Report as referred to in the Financial Services Authority
Regulation Number 51/POJK.03/2017 concerning the Implementation of Sustainable
Finance for Financial Services Institutions, Issuers, and Public Companies, and shall at
minimum include:
a. an explanation of the sustainability strategy;
b. an overview of sustainability aspects (economic, social, and environmental);
c. a brief profile of the Issuer or Public Company;
d. a statement from the Board of Directors;
e. sustainability governance;
f. sustainability performance;
g. written verification by an independent party, if any;
h. a feedback form for readers, if any; and
i. the Issuer’s or Public Company’s response to feedback on the previous year’s report.
Laporan Keberlanjutan sebagaimana dimaksud pada angka 1), harus disusun sesuai
Pedoman Teknis Penyusunan Laporan Keberlanjutan (Sustainability Report) Bagi Emiten
dan Perusahaan Publik sebagaimana tercantum dalam Lampiran II yang merupakan
bagian tidak terpisahkan dari Surat Edaran Otoritas Jasa Keuangan ini; | The Sustainability
Report as referred to in point 1) must be prepared in accordance with the Technical Guidelines
for the Preparation of Sustainability Reports for Issuers and Public Companies as set out in
Appendix II, which forms an integral part of this Financial Services Authority Circular Letter.
Laporan Keberlanjutan (Sustainability Report) sebagaimana dimaksud pada angka 1)
merupakan bagian yang tidak terpisahkan dari Laporan Tahunan namun dapat disajikan
secara terpisah dengan Laporan Tahunan; | The Sustainability Report as referred to in point
1) is an integral part of the Annual Report but may be presented separately from the Annual
Report.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 519
Page 520
Ikhtisar Kinerja Laporan Manajemen Profil Perusahaan Analisis & Pembahasan Manajemen
Performance Highlights Management Reports Company Profile Management Discussion & Analysis
KRITERIA PENJELASAN Halaman
Criteria Description Page
1. Dalam hal Laporan Keberlanjutan disajikan secara terpisah dengan Laporan
Tahunan, informasi yang diungkapkan dalam Laporan Keberlanjutan dimaksud
harus:
a. memuat seluruh informasi sebagaimana dimaksud pada angka 1); dan
b. disusun sesuai Pedoman Teknis Penyusunan Laporan Keberlanjutan (Sustainability
Report) Bagi Emiten dan Perusahaan Publik sebagaimana tercantum dalam
Lampiran II yang merupakan bagian tidak terpisahkan dari Surat Edaran Otoritas
Jasa Keuangan ini;
c. dalam bagian tanggung jawab sosial dan lingkungan memuat informasi bahwa
informasi mengenai tanggung jawab sosial dan lingkungan telah diungkapkan
dalam Laporan Keberlanjutan yang disajikan secara terpisah dari Laporan
Tahunan; dan
d. disampaikan bersamaan dengan penyampaian Laporan Tahunan.
1. In the event that the Sustainability Report is presented separately from the Annual
Report, the information disclosed in the Sustainability Report must:
a. include all information as referred to in point 1); and
b. be prepared in accordance with the Technical Guidelines for the Preparation of
Sustainability Reports for Issuers and Public Companies as set out in Appendix II,
which forms an integral part of this Financial Services Authority Circular Letter;
c. in the social and environmental responsibility section, include a statement that
information on social and environmental responsibility has been disclosed in the
Sustainability Report presented separately from the Annual Report; and
d. be submitted at the same time as the submission of the Annual Report.
Informasi Keuangan
Financial Information
Surat Pernyataan Direksi dan/
atau Dewan Komisaris tentang
TanggungJawab atas Laporan
Keuangan | Statement Letter of Kesesuaian dengan peraturan terkait tentang Tanggung Jawab atas Laporan Keuangan. |
the Board of Directors and/or Compliance with related regulations regarding Responsibility for Financial Statements.
Board of Commissioners regarding
Responsibility for Financial
Statements
Opini auditor independen atas
laporan keuangan | Independent
auditor’s opinion on financial
statements
Deskripsi memuat tentang: | The description contained about:
Nama dan tanda tangan; | Name and signature;
Deskripsi Auditor Independen di
Opini | Description of Independent
Tanggal Laporan Audit; dan | Date of the Audit Report;
Auditor in Opinion
Nomor ijin KAP dan nomor ijin Akuntan Publik. | KAP license number and Public Accountant
license number.
520 PT Bank Artha Graha Internasional Tbk Laporan Tahunan 2024
Page 521
Tata Kelola Perusahaan Tanggung Jawab Sosial Indeks
Corporate Governance Pengamanan Perusahaan Index
Corporate Social Safety Responsibility
KRITERIA PENJELASAN Halaman
Criteria Description Page
Memuat secara lengkap unsur-unsur laporan keuangan: | It completely contained the
elements of the financial statements:
Laporan posisi keuangan; | Statement of financial position;
Laporan laba rugi dan penghasilan komprehensif lain; | Statement of profit or loss and other
comprehensive income;
Laporan perubahan ekuitas; | Statement of changes in equity;
Laporan arus kas; | Cash flow statement;
Laporan keuangan yang lengkap |
Complete financial reports
Catatan atas laporan keuangan; | Notes to financial statements;
Informasi komparatif mengenai periode sebelumnya; dan | Comparative information about
the previous period; and
Laporan posisi keuangan pada awal periode sebelumnya ketika entitas menerapkan suatu
kebijakan akuntansi secara retrospektif atau membupenyajian kembali pos- pos laporan
keuangan, atau ketika entitas mereklasifikasi pos-pos dalam laporan keuangannya (jika
relevan). | Statement of financial position at the beginning of the previous period when the
entity applies an accounting policy retrospectively or restates financial statement items, or
when the entity reclassifies items in its financial statements (if relevant).
Perbandingan tingkat profitabilitas | Perbandingan kinerja/laba (rugi) tahun berjalan dengan tahun sebelumnya | Comparison of
Profitability level comparison performance/profit (loss) for the current year with the previous year
Memenuhi ketentuan sebagai berikut: | It should meet the following conditions:
Pengelompokan dalam tiga kategori aktivitas: operasi, investasi, dan pendanaan; | Grouping
into three categories of activities: operating, investing, and financing;
Penggunaan metode langsung (direct method) untuk melaporkan arus kas dari aktivitas
operasi; | Using the direct method to report cash flows from operating activities;
Laporan Arus Kas | Cash flow
statement
Pemisahan penyajian antara penerimaan kas dan atau pengeluaran kas selama tahun
berjalan pada aktivitas operasi, investasi dan pendanaan; dan | Separation of presentation
between cash receipts and or cash disbursements during the year in operating, investing and
financing activities; and
Pengungkapan transaksi non kas harus dicantumkan dalam catatan atas laporan keuangan.
| Disclosure of non- cash transactions must be included in the notes to the financial statements.
Meliputi sekurang-kurangnya: | It included at least:
Pernyataan kepatuhan terhadap SAK; | Statement of compliance with SAK;
Dasar pengukuran dan penyusunan laporan keuangan; | Basis of measurement and
Ikhtisar Kebijakan Akuntansi | preparation of financial statements;
Accounting Policy Overview
Pajak penghasilan; | Income tax;
Imbalan kerja; dan | Work benefits; and
Instrumen Keuangan. | Financial Instruments.
2024 Annual Report PT Bank Artha Graha Internasional Tbk 521
Page 522
Halaman ini sengaja di kosongkan. This page is intentionally left blank.
Page 523
Page 524
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk
DAFTAR ISI / TABLE OF CONTENTS
Hal / Pages
LAPORAN AUDITOR INDEPENDEN / INDEPENDENT AUDITORS’ REPORT i–v
LAPORAN POSISI KEUANGAN / STATEMENTS OF FINANCIAL POSITION 1–2
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN/ 3–4
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE
INCOME
LAPORAN PERUBAHAN EKUITAS / STATEMENTS OF CHANGES IN 5
EQUITY
LAPORAN ARUS KAS / STATEMENTS OF CASH FLOW 6
CATATAN ATAS LAPORAN KEUANGAN / NOTES TO FINANCIAL 7 – 165
STATEMENTS
Page 526
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Page 528
Page 529
Page 530
Page 531
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
ASET ASSETS
Kas 4, 45 769.354 369.134 Cash
Giro pada Bank Indonesia 5, 45 3.024.920 2.658.276 Current accounts with Bank Indonesia
Giro pada bank lain – bersih 6, 45 349.430 338.297 Current accounts with other banks – net
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
dan bank lain 7, 45 2.177.464 711.075 other banks
Efek-efek 8, 45 8.501.562 5.787.414 Marketable securities
Wesel ekspor 45 166.681 131.863 Export bills
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 9, 45 976.063 125.469 agreement to resell
Tagihan derivatif 10, 45 48 35 Derivative receivables
Kredit yang diberikan – setelah dikurangi Loans – net allowance for
cadangan kerugian penurunan nilai pada impairment losses as of December 31, 2024
31 Desember 2024 dan 2023 masing- masing and 2023 amounting to Rp531,907 and
sebesar Rp531.907 dan Rp510.636 13, 45 10.073.572 11.636.733 Rp510,636, respectively
Pendapatan bunga yang masih akan diterima 11, 45 253.265 326.422 Accrued interest receivables
Biaya dibayar dimuka 12 122.810 144.641 Prepaid expenses
Tagihan akseptasi 14, 45 166.025 131.362 Acceptance receivables
Penyertaan saham 15, 45 6 6 Investment in shares of stock
Aset tetap – setelah dikurangi akumulasi Fixed assets - net of accumulated
penyusutan pada 31 Desember 2024 dan 2023 depreciation as of December 31, 2024
masing-masing sebesar Rp254.892 and 2023 amounting to Rp254,892 and
dan Rp229.180 16 2.123.376 2.127.797 Rp Rp229,180, respectively
Aset takberwujud – bersih 17 25.487 31.873 Intangible assets – net
Agunan yang diambil alih – bersih 18 808.883 936.110 Foreclosed asset – net
Aset pajak tangguhan 23b 229.681 270.760 Deferred tax assets
Aset lain-lain 18, 45 357.766 376.344 Other assets
JUMLAH ASET 30.126.393 26.103.611 TOTAL ASSETS
Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak The accompanying Notes to Financial Statements form an integral part of the Financial
terpisahkan dari Laporan Keuangan secara keseluruhan Statements taken as a whole
-1-
Page 532
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 19, 45 115.621 95.711 Obligations due immediately
Simpanan nasabah 20, 36, 45 23.890.773 20.631.701 Deposit from customers
Simpanan dari bank lain 21, 45 452.454 336.958 Deposits from other banks
Liabilitas efek yang dijual dengan Securities sold under agreement
janji dibeli kembali 22 499.281 - to repurchase liabilities
Liabilitas derivatif 10, 45 - 1.057 Derivative liabilities
Liabilitas akseptasi 14, 45 166.682 131.863 Acceptance liabilities
Utang pajak 23a 15.189 11.713 Taxes payable
Bunga masih harus dibayar 24, 45 35.100 26.693 Accrued interest payable
Liabilitas imbalan pasca kerja 26b 99.151 118.875 Post employments benefit liabilities
Pinjaman subordinasi 27, 45 200.000 200.000 Subordinated loan
Liabilitas lain-lain 25, 45 312.446 378.007 Other liabilities
JUMLAH LIABILITAS 25.786.697 21.932.578 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham - nilai nominal Rp110,88 Share capital - Rp110.88 (full amount)
(nilai penuh) per saham par value per share
- Modal dasar – 52.310.000.000 saham - Authorized 52,310,000,000 shares
- Modal ditempatkan dan disetor penuh – - Issued and fully paid 20,223,412,907
20.223.412.907 saham pada tanggal shares as December 31, 2024 and 2023
31 Desember 2024 dan 2023 28 2.242.372 2.242.372
Tambahan modal disetor 29 415.285 415.285 Additional paid-in capital
Revaluasi aset tetap 16 1.379.822 1.379.822 Revaluation surplus of fixed assets
Pengukuran kembali program imbalan Remeasuremet of defined benefits
pasti setelah dikurangi pajak 78.699 61.575 program after tax
Keuntungan dari perubahan nilai
aset keuangan yang diukur pada nilai wajar Gain on changes in value of financial
melalui penghasilan komprehensif lain assets at fair value through other
dikurangi pajak 8f 1.407 2.342 comprehensive income after tax
Saldo laba 222.111 69.637 Retained earnings
JUMLAH EKUITAS 4.339.696 4.171.033 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 30.126.393 26.103.611 TOTAL LIABILITIES AND EQUITY
Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak The accompanying Notes to Financial Statements form an integral part of the Financial
terpisahkan dari Laporan Keuangan secara keseluruhan Statements taken as a whole
-2-
Page 533
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND OTHER
KOMPREHENSIF LAIN COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir Tanggal 31 Desember 2024 For the Year Ended December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
PENDAPATAN (BEBAN) OPERASIONAL OPERATING INCOME (EXPENSES)
Pendapatan bunga 30, 38 1.646.064 1.484.753 Interest income
Beban bunga 31, 38 (735.995) (502.774) Interest expense
Pendapatan bunga – bersih 910.069 981.979 Interest income – net
Pendapatan operasional lainnya Other operating income
Pendapatan administrasi dan denda atas Administration income and penalties on
simpanan dan kredit yang diberikan 258.500 244.222 deposits and loans
Keuntungan dari perubahan nilai Gain from changes in fair value of
wajar atas aset keuangan yang diukur pada financial assets at fair value through
nilai wajar melalui laporan laba rugi – bersih 8 53.289 28.839 profit and loss – net
Provisi dan komisi lainnya 35.168 32.589 Other fees and commissions
Keuntungan dari transaksi mata uang
asing – bersih 10.628 6.968 Gain from foreign exhange transactions – net
Jumlah pendapatan operasional lainnya 357.585 312.618 Total other operating income
Beban operasional lainnya Other operating expenses
Beban tenaga kerja 32, 38 (287.069) (279.962) Employee expenses
Beban operasi 33, 38 (547.742) (589.632) Operational expenses
Beban umum dan administrasi 34 (160.550) (134.270) General and administrative expenses
Kerugian penurunan nilai aset keuangan dan Impairment loss on financial and
non keuangan – bersih 35 (75.026) (103.657) non-financial assets – net
Jumlah beban operasional lainnya (1.070.387) (1.107.521) Total other operating expenses
LABA OPERASIONAL 197.267 187.076 PROFIT FROM OPERATIONS
BEBAN NON OPERASIONAL 36 (7.512) (3.719) NON-OPERATING EXPENSES
LABA SEBELUM PAJAK PENGHASILAN 189.755 183.357 PROFIT BEFORE INCOME TAX
BEBAN PAJAK PENGHASILAN INCOME TAX EXPENSES
Pajak tangguhan 23b (37.281) (36.604) Deferred tax
LABA TAHUN BERJALAN 152.474 146.753 PROFIT FOR THE CURRENT YEAR
Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak The accompanying Notes to Financial Statements form an integral part of the Financial
terpisahkan dari Laporan Keuangan secara keseluruhan Statements taken as a whole
-3-
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND OTHER
KOMPREHENSIF LAIN (lanjutan) COMPREHENSIVE INCOME (continued)
Untuk Tahun yang Berakhir Tanggal 31 Desember 2024 For the Year Ended December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Pos-pos yang tidak akan direklasifikasi Items that will not be reclassified
ke laba rugi: to profit or loss:
Surplus revaluasi aset tetap 16 - 30.541 Revaluation surplus of fixed assets
Pengukuran kembali program imbalan pasti 26 21.141 1.495 Remeasurement of defined benefits program
Pajak penghasilan terkait 23b (4.017) (284) Related income tax
Sub jumlah 17.124 31.752 Sub total
Pos yang akan direklasifikasi ke laba rugi : Items that will be reclassified to profit or loss:
Perubahan nilai wajar efek-efek melalui Changes in fair value of securities through
komprehensif lain 8f (1.154) (14.620) other comprehensive income
Pajak penghasilan terkait 23b 219 2.778 Related income tax
Sub jumlah (935) (11.842) Sub total
JUMLAH PENGHASILAN 16.189 19.910 TOTAL COMPREHENSIVE INCOME
KOMPREHENSIF TAHUN BERJALAN FOR THE YEAR
JUMLAH LABA KOMPREHENSIF 168.663 166.663 TOTAL COMPREHENSIVE PROFIT
LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
(Rupiah penuh) 37 7,54 7,26 (full Rupiah amount)
Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak The accompanying Notes to Financial Statements form an integral part of the Financial
terpisahkan dari Laporan Keuangan secara keseluruhan Statements taken as a whole
-4-
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir Tanggal 31 Desember 2024 For the Year Ended December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Keuntungan
dari perubahan
nilai aset keuangan
yang diukur pada
nilai wajar melalui Pengukuran
penghasilan kembali
komprehensif lain program
Modal saham dikurangi pajak/ imbalan pasti
-ditempatkan Gain on setelah
dan disetor changes in value dikurangi pajak/
penuh/ Surplus of financial assets Remeasurement Saldo laba
Share capital Tambahan revaluasi aset/ fair value through of defined (rugi)/
Authorized modal disetor/ Revaluation at other benefits Retained
Catatan/ issued and Additional surplus of fixed comprehensive program after earnings Jumlah ekuitas/
Notes fully paid paid in capital assets income after tax tax (losses) Total equity
Saldo per 01 Januari 2023 2.242.372 415.285 1.349.281 14.184 60.364 (77.116) 4.004.370 Balance as of January 01, 2023
Laba tahun berjalan 37 - - - - - 146.753 146.753 Profit for the current year
Penghasilan komprehensif lain - - 30.541 (11.842) 1.211 - 19.910 Other comprehensive income
Saldo per 31 Desember 2023 2.242.372 415.285 1.379.822 2.342 61.575 69.637 4.171.033 Balance as of December 31, 2023
Laba tahun berjalan 37 - - - - - 152.474 152.474 Profit for the current year
Penghasilan komprehensif lain - - - (935) 17.124 - 16.189 Other comprehensive income
Saldo per 31 Desember 2024 2.242.372 415.285 1.379.822 1.407 78.699 222.111 4.339.696 Balance as of December 31, 2024
Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan dari Laporan Keuangan secara keseluruhan The accompanying Notes to Financial Statements for an integral part of the Financial Statements taken as a whole
-5-
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
LAPORAN ARUS KAS STATEMENTS OF CASH FLOW
Untuk Tahun yang Berakhir Tanggal 31 Desember 2024 For the Year Ended December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
CASH FLOWS FROM OPERATING
ARUS KAS DARI AKTIVITAS OPERASI ACTIVITIES
Penerimaan bunga 1.754.389 1.556.866 Receipts of interest
Pembayaran bunga (727.588) (494.520) Payment of interest
Pembayaran beban tenaga kerja (285.651) (283.598) Payment of personal expenses
Penerimaan (pembayaran) beban umum dan Receipts (payment) of general and
administrasi (160.437) 39.726 administrative expenses
Pembayaran beban operasional (238.254) (285.098) Payment of operating expenses
Pembayaran beban non-operasional Payment of non-operating
lainnya – bersih (7.505) (941) expenses – net
Arus kas sebelum perubahan dalam aset dan Cash flow before changes in operating assets
liabilitas operasi 334.954 532.435 and liabilities
Penurunan (penambahan) aset operasi: Decrease (increase) in operating assets:
Kredit yang diberikan 1.547.833 (1.925.154) Loans
Aset lain-lain 151.325 247.638 Other assets
Wesel ekspor (34.818) 54.028 Export Bills
Penambahan (penurunan) liabilitas operasi: Increase (decrease) in operating liabilities:
Liabilitas segera 19 19.910 8.617 Liabilities due immediately
Simpanan nasabah 20 3.259.072 306.623 Deposit from customer
Simpanan dari bank lain 21 115.496 318.317 Deposit from other banks
Liabilitas efek yang dijual dengan janji dibeli Liabilities of securities sold under
kembali 22 499.281 - repurchased agreement
Beban akrual dan liabilitas lain-lain (62.030) (6.606) Accrued expenses and other liabilitites
Kas bersih diperoleh dari (digunakan untuk) Net cash provided from (used in)
aktivitas operasi 5.831.023 (464.102) operating activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTMENT
ACTIVITIES
Hasil penjualan aset tetap 16 5.929 2.960 Proceeds from sale of fixed assets
Perolehan aset takberwujud 17 (13.889) (13.936) Acquisition of intangible assests
Pembelian efek-efek - bersih (2.729.681) (1.948.751) Purchase of marketable securities – net
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreement
kembali 9 (850.594) 1.553.326 to resell
Perolehan aset tetap 16 (25.707) (32.029) Acquisition of fixed assets
Kas bersih digunakan untuk aktivitas
investasi (3.613.942) (438.430) Net cash used in investing activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM FINANCING
PENDANAAN - - ACTIVITIES
KENAIKAN (PENURUNAN) KAS DAN INCREASE (DECREASE) CASH AND CASH
SETARA KAS 2.217.081 (902.532) EQUIVALENTS
Pengaruh perubahan kurs mata uang asing 27.391 (2.778) Effect of foreign currency exchange rate changes
KAS DAN SETARA KAS AWAL TAHUN 4.076.785 4.982.095 CASH AND CASH EQUIVALENTS
AT THE BEGINNING OF YEAR
KAS DAN SETARA KAS AKHIR TAHUN 6.321.257 4.076.785 CASH AND CASH EQUIVALENTS
AT THE END OF YEAR
Cash and cash equivalents at the end of
Kas dan setara kas terdiri dari: year consist of:
Kas 4 769.354 369.134 Cash
Giro pada Bank Indonesia 5 3.024.920 2.658.276 Current accounts with Bank Indonesia
Giro pada bank lain 6 349.519 338.300 Current account with other banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other
yang jatuh tempo dalam 3 bulan dari banks that will mature within 3 months
tanggal akuisisi 7 2.177.464 711.075 from the date acquisition
Jumlah 6.321.257 4.076.785 Total
Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan The accompanying Notes to Financial Statements form an integral part of the
dari Laporan Keuangan secara keseluruhan Financial Statements taken as a whole
-6-
Page 537
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL 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 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. UMUM 1. GENERAL
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank Artha Graha Internasional Tbk (“Bank”) PT Bank Artha Graha Internasional Tbk (“the Bank”)
semula didirikan dengan nama PT Inter-Pacific initially was established under the name of PT Inter-
Financial Corporation berdasarkan Akta No. 12 tanggal Pacific Financial Corporation based on Deed No. 12
7 September 1973 dan Akta Perubahan No. 26 tanggal dated September 7, 1973 and Amendment Deed No. 26
13 Desember 1974 yang dibuat di hadapan Bagijo, S.H, dated December 13, 1974 which made in front of Bagijo,
pengganti dari Eliza Pondaag, S.H, Notaris di Jakarta. S.H, substitute notary of Eliza Pondaag, S.H, Notary in
Anggaran Dasar Bank tersebut telah disahkan oleh Jakarta. The Bank’s Articles of Association was
Menteri Kehakiman Republik Indonesia berdasarkan approved by the Ministry of Justice of the Republic of
Surat Keputusan No.Y.A.5/2/12 tanggal 3 Januari 1975 Indonesia in its Decision Letter No.Y.A.5/2/12 dated
dan telah didaftarkan dalam Buku Register di Kantor January 3, 1975 and has been registered in the Register
Pengadilan Negeri Jakarta di bawah No.119 dan No.120, Book of Jakarta District Court Office under No.119 and
keduanya tanggal 11 Januari 1975, serta telah No.120, both dated January 11, 1975, and was published
diumumkan dalam Berita Negara Republik Indonesia in the State Gazette of the Republic of Indonesia No.6
No.6 Tambahan No.47 tanggal 21 Januari 1975. Supplement No.47 dated January 21, 1975.
Anggaran Dasar Bank telah mengalami beberapa kali The Bank's Articles of Association have undergone
perubahan, terakhir dengan Akta No.16 tertanggal several changes, most recently with the Deed No.16
13 November 2020, dibuat di hadapan Mochamad Nova dated November 13, 2020, made before Mochamad
Faisal S.H, M.Kn, Notaris di Jakarta, akta mana telah Nova Faisal S.H, M.Kn, Notary in Jakarta, which deed
memperoleh persetujuan dari Menteri Hukum dan Hak has obtained approval from the Minister of Law and
Asasi Manusia Republik Indonesia berdasarkan Human Rights of the Republic of Indonesia based on
Keputusan No.AHU-0076681.AH.01.02 tanggal Decree No.AHU-0076681.AH.01.02 dated November
17 November 2020 dan pemberitahuan perubahan 17, 2020 and the notice of amendment to the articles of
anggaran dasar tersebut telah diterima dan dicatat dalam association has been received and recorded in the
database Sistem Administrasi Badan Hukum database of the Administrative System of legal entities
Kementerian Hukum dan Hak Asasi Manusia Republik of the Ministry of Law and Human Rights of the
Indonesia, sebagaimana termuat dalam Surat tertanggal Republic of Indonesia, as contained in the Letter dated
17 November 2020 No.AHU-AH.01.03-0408169, telah November 17, 2020 No.AHU-AH.01.03-0408169, has
didaftarkan dalam Daftar Perseroan No.AHU- been registered in the Company's Register No.AHU-
0191841.AH.01.1 1 tanggal 17 November 2020. 0191841.AH.01.1 1 dated November 17, 2020.
Sesuai dengan Pasal 3 Anggaran Dasar Bank, ruang According to Article 3 of the Bank’s Articles of
lingkup kegiatan Bank adalah melakukan kegiatan usaha Association, the Bank’s scope of activities is to engage
sebagai bank umum sesuai dengan Undang-Undang dan in general banking services in accordance with
peraturan yang berlaku. prevailing Laws and regulations.
Bank memulai operasi komersial sebagai lembaga The Bank started its commercial activities as a non-bank
keuangan bukan bank pada bulan Januari 1975, financial institution in January 1975, and then engaged
selanjutnya melakukan operasi komersial sebagai bank in general banking services dated February 24, 1993
umum pada tanggal 24 Februari 1993 berdasarkan Surat based on Decision Letter of the Ministry of Finance of
Keputusan Menteri Keuangan Republik Indonesia the Republic of Indonesia
No.176/KMK.017/1993, perizinan tersebut diubah No.176/KMK.017/1993, the license changed due to
dengan terlaksananya penggabungan usaha (merger) merger of PT Bank Artha Graha into PT Bank Inter-
PT Bank Artha Graha ke dalam PT Bank Inter-Pacific Pacific Tbk which obtained an effective statement from
Tbk yang mendapatkan pernyataan efektif dari Badan the Capital Market and Financial Institution
Pengawas Pasar Modal dan Lembaga Keuangan Supervisory Agency (Bapepam and LK) in Letter of
(Bapepam dan LK) berdasarkan Surat Ketua Bapepam Bapepam and LK Chairman No.S-769/PM/2005 dated
dan LK No.S-769/PM/2005 tanggal 13 April 2005, serta April 13, 2005, and obtained approval from Bank
memperoleh persetujuan Bank Indonesia berdasarkan Indonesia in Decision Letter of Bank Indonesia
Surat Keputusan Gubernur Bank Indonesia Governor No.7/32/KEP.GB1/2005 dated June 15, 2005
No.7/32/KEP.GB1/2005 tanggal 15 Juni 2005 tentang about Granting Merger Approval of PT Bank Artha
Pemberian Izin Penggabungan Usaha (merger) Graha into PT Bank Inter-Pacific Tbk. The license of PT
PT Bank Artha Graha ke dalam PT Bank Inter-Pacific Bank Inter-Pacific Tbk was changed based on Decision
Tbk. Izin usaha PT Bank Inter-Pacific Tbk diubah Letter of Bank Indonesia Governor
berdasarkan Surat Keputusan Gubernur Bank Indonesia No.7/49/KEP.GBI/2005 dated August 16, 2005
No.7/49/KEP.GBI/2005 tanggal 16 Agustus 2005 regarding The Change of Business License on behalf of
tentang Perubahan Izin Usaha Atas Nama PT Bank PT Bank Inter-Pacific Tbk become PT Bank Artha
Inter-Pacific Tbk menjadi Izin Usaha Atas Nama Graha Internasional Tbk.
PT Bank Artha Graha Internasional Tbk.
-7-
Page 538
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information (continued)
Kantor Pusat Bank terletak di Gedung Artha Graha, The Bank’s Head Office is located at Artha Graha
Kawasan Niaga Terpadu Sudirman, Jalan Jenderal Building, Sudirman Commercial Business District,
Sudirman Kav. 52-53, Jakarta Selatan. Bank memiliki Jalan Jenderal Sudirman Kav. 52-53, South Jakarta.
kantor pusat operasional, kantor cabang, kantor cabang The Bank has operational head office, branches, sub
pembantu, kantor kas, payment poin, Anjungan Tunai branches, cash offices, payment points, Automatic Teller
Mandiri (ATM) sebagai berikut (tidak diaudit): Machines (ATM) as follows (unaudited):
2024 2023
Kantor pusat operasional 1 1 Operational head office
Kantor cabang 31 31 Branches
Kantor cabang pembantu 33 34 Sub branches
Mobile terminal 1 1 Mobile terminal
Anjungan Tunai Mandiri (ATM) 157 153 Automatic Teller Machines (ATM)
Kantor cabang, kantor cabang pembantu, kantor kas, The branches, sub branches, cash offices, payment
payment point dan ATM berlokasi di berbagai pusat points and ATM are located in various major business
bisnis yang tersebar di seluruh Indonesia, antara lain, di centers throughout Indonesia, among others, DKI
DKI Jakarta, Jawa Barat, Banten, Jawa Tengah, Jawa Jakarta, Jawa Barat, Banten, Jawa Tengah, Jawa
Timur, Bali, Sumatera Utara, Sumatera Selatan, Riau, Timur, Bali, Sumatera Utara, Sumatera Selatan, Riau,
Kepulauan Riau, Jambi, Kepulauan Babel, Lampung, Kepulauan Riau, Jambi, Kepulauan Babel, Lampung,
Kalimantan Timur, Kalimantan Barat, Kalimantan Kalimantan Timur, Kalimantan Barat, Kalimantan
Selatan, Sulawesi Selatan, Sulawesi Utara, Sulawesi Selatan, Sulawesi Selatan, Sulawesi Utara, Sulawesi
Tenggara, Kupang, Maluku Utara Ternate, Maluku- Tenggara, Kupang, Maluku Utara Ternate, Maluku-
Ambon. Ambon.
b. Penawaran Umum Saham Bank b. Public Offering of the Bank’s Shares
Pada tanggal 10 Juli 1990, Bank memperoleh On July 10, 1990, the Bank obtained an effective
pernyataan efektif dari Ketua Badan Pengawas Pasar statement from the Chairman of the Capital Market
Modal (Bapepam) berdasarkan Surat Supervisory Agency (Bapepam) in its Letter
No. SI-124/SHM/MK.10/1990 untuk melakukan No. SI-124/SHM/MK.10/1990 to conduct Initial Public
Penawaran Umum Saham Perdana kepada masyarakat Offering of 5,000,000 shares with par value of Rp1,000
sejumlah 5.000.000 saham dengan nilai nominal (full Rupiah amount) per share that was 20% of paid-up
Rp1.000 (Rupiah penuh) per saham yang merupakan capital. On August 23, 1990, the shares were listed on
20% dari modal yang ditempatkan. Pada tanggal 23 the Jakarta Stock Exchange and Surabaya Stock
Agustus 1990, saham tersebut masing-masing Exchange, respectively. On April 19, 1999, the Surabaya
dicatatkan pada Bursa Efek Jakarta dan Bursa Efek Stock Exchange approved the Bank’s application to
Surabaya. Pada tanggal 19 April 1999, Bursa Efek delist its shares in the Surabaya Stock Exchange.
Surabaya menyetujui permohonan Bank untuk
membatalkan pencatatan saham Bank di Bursa Efek
Surabaya.
Pada tanggal 24 September 1999, Bank memperoleh On September 24, 1999, the Bank obtained an effective
pernyataan efektif dari Ketua Bapepam berdasarkan statement from the Chairman of Bapepam in its Letter
Surat No. S-1761/PM/1999 untuk melakukan No. S-1761/PM/1999 to conduct Limited Public Offering
Penawaran Umum Terbatas (PUT) I kepada para (LPO) I to its shareholders with Pre-emptive Rights of
pemegang saham dalam rangka penerbitan Hak 9,625,000,000 Seriess B shares with par value of Rp15
Memesan Efek Terlebih Dahulu (HMETD) sejumlah (full Rupiah amount) per share and offering price of
9.625.000.000 saham seri B dengan nilai nominal Rp15 Rp100 (full Rupiah amount) per share. On September
(Rupiah penuh) per saham dan harga penawaran Rp100 27, 1999, these shares were listed in the Jakarta Stock
(Rupiah penuh) per saham. Pada tanggal 27 September Exchange.
1999, saham tersebut telah dicatatkan pada Bursa Efek
Jakarta.
-8-
Page 539
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Saham Bank (lanjutan) b. Public Offering of the Bank’s Shares (continued)
Pada tanggal 17 April 2007, Bank memperoleh On April 17, 2007, the Bank obtained an effective
pernyataan efektif dari Ketua Badan Pengawas Pasar statement from the Chairman of Capital Market and
Modal dan Lembaga Keuangan (Bapepam dan LK) Financial Institution Supervisory Agency (Bapepam and
berdasarkan Surat No. S-1746/BL/2007 untuk LK) in its Letter No. S-1746/BL/2007 to conduct LPO II
melakukan PUT II kepada para pemegang saham dalam to its shareholders with Pre-emptive Rights of
rangka penerbitan HMETD sejumlah 840.007.286 840,007,286 shares with par value of Rp110.88 (full
saham dengan nilai nominal Rp110,88 (Rupiah penuh) Rupiah amount) per share and offering price of Rp115
per saham dan harga penawaran Rp115 (Rupiah penuh) (full Rupiah amount) per share. On May 2, 2007, these
per saham. Pada tanggal 2 Mei 2007, saham tersebut shares were listed in the Indonesia Stock Exchange.
telah dicatatkan pada Bursa Efek Indonesia.
Pada tanggal 1 Desember 2008, Bank memperoleh On December 1, 2008, the Bank obtained an effective
pernyataan efektif dari Ketua Bapepam dan LK statement from the Chairman of Bapepam and LK in its
berdasarkan Surat No. S-8684/BL/2008 untuk Letter No. S-8684/BL/2008 to conduct LPO III to its
melakukan PUT III kepada para pemegang saham dalam shareholders with Pre-emptive Rights of 2,695,025,224
rangka penerbitan HMETD sejumlah 2.695.025.224 shares with par value of Rp110.88 (full Rupiah amount)
saham dengan nilai nominal Rp110,88 (Rupiah penuh) per share and offering price of Rp111.00 (full Rupiah
per saham dan harga penawaran Rp111,00 (Rupiah amount) per share. On January 7, 2009, these shares
penuh) per saham. Pada tanggal 7 Januari 2009, saham were listed in the Indonesia Stock Exchange.
tersebut telah dicatatkan pada Bursa Efek Indonesia.
Pada tanggal 5 Desember 2012, Bank memperoleh On December 5, 2012, the Bank obtained an effective
pernyataan efektif dari Ketua Bapepam dan LK statement from the Chairman of Bapepam and LK in its
berdasarkan Surat No. S-13878/BL/2012 untuk Letter No. S-13878/BL/2012 to conduct LPO IV to its
melakukan PUT IV kepada para pemegang saham dalam shareholders with Pre-emptive Rights of 4,513,198,014
rangka penerbitan HMETD sejumlah 4.513.198.014 shares with par value of Rp110.88 (full Rupiah amount)
saham dengan nilai nominal sebesar Rp110,88 (Rupiah per share and offering price of Rp111.00 (full Rupiah
penuh) per saham dan harga penawaran sebesar amount) per share. On December 21, 2012, these shares
Rp111,00 (Rupiah penuh) per saham. Pada tanggal were listed in the Indonesia Stock Exchange.
21 Desember 2012, saham tersebut telah dicatatkan pada
Bursa Efek Indonesia.
Pada tanggal 23 November 2016, Bank memperoleh On November 23, 2016, the Bank obtained an effective
pernyataan efektif dari Kepala Eksekutif Pengawas statement from the Chief Executive of the Capital Market
Pasar Modal Otoritas Jasa Keuangan berdasarkan Surat Supervisory Financial Services Authority based on the
No. S-682/D.04/2016 untuk melakukan PUT V kepada Letter of No. S-682/D.04/2016 to conduct a PUT V to
para pemegang saham dalam rangka penerbitan shareholders for the issuance of Pre-emptive Rights of
HMETD sejumlah 2.707.918.808 saham dengan nilai 2,707,918,808 shares with a par value of Rp110.88 (full
nominal sebesar Rp110,88 (Rupiah penuh) per saham Rupiah) per share and an exercise price of Rp111.00
dan harga pelaksanaan sebesar Rp111,00 (Rupiah (full Rupiah) per share.
penuh) per saham.
Bank secara bersamaan menerbitkan Waran Seri I The Bank simultaneously issued Seriess I Warrants
sebanyak 4.513.198.013 saham dimana 6 (enam) saham totaling 4,513,198,013 shares of which 6 (six) shares
hasil pelaksanaan HMETD melekat 10 (sepuluh) Waran resulting from the exercise of the Preemptive Rights
Seri I yang diberikan secara cuma-cuma sebagai insentif were attached to 10 (ten) Seriess I Warrants which were
bagi pemegang HMETD yang melaksanakan haknya. given free of charge as an incentive for the Rights
Setiap 1 (satu) Waran Seri I dapat digunakan oleh holders who exercised their rights. Each 1 (one) Seriess
pemegangnya untuk membeli 1 (satu) saham baru I Warrant may be used by the holder to purchase 1 (one)
Perseroan dengan membayar harga yang sama dengan new share of the Company by paying the same price as
harga pelaksanaan HMETD yakni Rp111,00 (seratus the exercise price of the Preemptive Rights, which is
sebelas rupiah) per saham dalam periode pelaksanaan Rp.111.00 (one hundred and eleven rupiah) per share in
yakni 19 Juni 2017 sampai dengan 7 Desember 2021. the exercise period, which is June 19, 2017 to December
7, 2021.
Pelaksanaan Waran Seri I sampai dengan 7 Desember The exercise of Seriess I Warrants until December 7,
2021 sebanyak 4.427.219.858 saham, sehingga Waran 2021 is 4,427,219,858 shares, so that the Seriess I
Seri I yang tidak dilaksanakan sebanyak 85.978.155 Warrants that are not exercised are 85,978,155 shares.
saham.
-9-
Page 540
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Saham Bank (lanjutan) b. Public Offering of the Bank’s Shares (continued)
Berikut adalah kronologis jumlah saham Bank yang The chronological overview of the Bank’s issued and
ditempatkan dan disetor penuh serta saham yang fully paid shares and also listed shares in the Indonesia
dicatatkan pada Bursa Efek Indonesia sejak Penawaran Stock Exchange since the Initial Public Offering until
Umum Saham Perdana sampai dengan tanggal December 31, 2024 is as follows:
31 Desember 2024:
Jumlah Saham/
Keterangan Number of shares Description
Saham yang berasal dari pencatatan saham perdana Shares from initial public offering in 1990
pada tahun 1990 5.000.000
Saham pendiri pada tahun 1990 1.500.000 Founders shares in 1990
Saham pendiri pada tahun 1993 3.042.800 Founders shares in 1993
Saham bonus pada tahun 1993 9.542.800 Bonus shares in 1993
Saham pendiri pada tahun 1997 15.914.400 Founders shares in 1997
Saham bonus pada tahun 1998 8.750.000 Bonus shares in 1998
Penawaran Umum Terbatas I (PUT I) pada tahun 1999 6.737.500.000 Limited Public Offering I (LPO I) in 1999
Bagian yang tidak dapat dicatat (partial delisting)
atas PUT I pada tahun 2000 (96.875.000) Partial delisting from LPO I in 2000
Saham pendiri pada tahun 2001 2.906.250.000 Founders shares in 2001
Saham yang diterbitkan dalam rangka
penggabungan usaha dengan PT Bank Artha Graha Issuance of shares in connection with the
pada tahun 2005 20.347.234.677 merger with PT Bank Artha Graha in 2005
Pencatatan saham tambahan pada tahun 2007 2 Listing additional shares in 2007
Peningkatan nilai nominal saham dari Rp18,48 per Increase in par value from Rp18.48 per share
saham menjadi Rp110,88 per saham melalui to Rp110.88 per share through reduction of
pengurangan jumlah saham pada tahun 2007 (24.948.216.399) total shares in 2007
Penawaran Umum Terbatas II (PUT II) pada tahun 2007 840.007.286 Limited Public Offering II (LPO II) in 2007
Bagian saham yang tidak dapat dicatat (partial
delisting) atas PUT II (8.400.073) Partial delisting from LPO II
Penawaran Umum Terbatas III (PUT III) pada
tahun 2008 2.695.025.224 Limited Public Offering III (LPO III) in 2008
Bagian saham yang tidak dapat dicatat (partial
delisting) atas PUT III (26.950.252) Partial delisting from LPO III
Penawaran Umum Terbatas IV (PUT IV) pada
tahun 2012 4.513.198.014 Limited Public Offering IV (LPO IV) in 2012
Bagian saham yang tidak dapat dicatat (partial
delisting) atas PUT IV (45.131.980) Partial delisting from LPO IV
Penawaran Umum Terbatas V (PUT V) pada tahun
2016 2.707.918.808 Limited Public Offering V (LPO V) in 2016
Bagian saham yang tidak dapat dicatat (partial
delisting) atas PUT V (27.079.189) Partial delisting from LPO V
Pelaksanaan Waran Seri I 4.427.219.858 Execution of Seriess I Warrants
Bagian saham yang tidak dapat dicatat (partial Shares that cannot be recorded
delisting) atas Waran Seri I (44.272.199) (partial delisting) of Seriess I Warrants
Jumlah saham Bank yang tercatat di Bursa Efek Total Bank’s listed shares in the Indonesia
Indonesia pada tanggal 31 Desember 2024 20.021.178.777 Stock Exchange as of December 31, 2024
PT Cerana Arthaputra setuju untuk tidak dicatatkan PT Cerana Arthaputra agreed not to list its shares on
sahamnya di Bursa Efek sejumlah 1% dari jumlah the Stock Exchange amounting to 1% of the number of
saham yang dilakukan oleh PT Bank Artha Graha shares made by PT Bank Artha Graha Internasional
Internasional Tbk, dari jumlah saham setelah Tbk, from the number of shares after the implementation
dilakukannya pelaksanaan Waran Seri I, yakni of Seriess I Warrants, which is as many as 202,234,130
sebanyak-banyak nya 202.234.130 saham. shares.
- 10 -
Page 541
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Susunan pengurus Bank dan karyawan c. Composition of the Bank’s management and
employees
Dewan Komisaris dan Direksi Board of Commissioners and Directors
Berdasarkan Akta Pernyataan Keputusan Rapat No.05 Based on the Deed of Shareholder Resolution No.05
tanggal 17 Juli 2024, mengenai susunan Dewan dated July 17, 2024, the composition of the Bank’s
Komisaris dan Direksi Bank pada tanggal 31 Desember Boards of Commissioners and Directors as of
2024 adalah sebagai berikut: December 31, 2024 is as follows:
Dewan Komisaris: Board of Commissioners:
Komisaris Utama/ Kiki Syahnakri President Commissioner/
Komisaris Independen Independent Commissioner
Wakil Komisaris Utama Tomy Winata Vice President Commissioner
Wakil Komisaris Utama Sugianto Kusuma Vice President Commissioner
Komisaris Independen Elizawatie Simon Independent Commissioner
Komisaris Independen Pesta Uli Sitanggang Independent Commissioner
Direksi: Board of Directors:
Direktur Utama Andy Kasih President Director
Wakil Direktur Utama Christina Harapan Vice President Director
Direktur Kepatuhan /Direktur Independen Indrastomo Nugroho Compliance Director/ Independent Director
Direktur Indra Sintung Budianto Director
Direktur Handoyo Soedirdja Director
Berdasarkan Akta Pernyataan Keputusan Rapat No.16 Based on the Deed of Shareholder Resolution No.16
tanggal 17 Juli 2023, susunan Dewan Komisaris dan dated July 17, 2023, the composition of the Bank’s
Direksi Bank pada tanggal 31 Desember 2023 adalah Boards of Commissioners and Directors as of
sebagai berikut: December 31, 2023 is as follows:
Dewan Komisaris: Board of Commissioners:
Komisaris Utama/ Kiki Syahnakri President Commissioner/
Komisaris Independen Independent Commissioner
Wakil Komisaris Utama Tomy Winata Vice President Commissioner
Wakil Komisaris Utama Sugianto Kusuma Vice President Commissioner
Komisaris Independen Elizawatie Simon Independent Commissioner
Komisaris Independen Pesta Uli Sitanggang Independent Commissioner
Direksi: Board of Directors:
Direktur Utama Andy Kasih President Director
Wakil Direktur Utama Christina Harapan Vice President Director
Direktur Kepatuhan /Direktur Independen Indrastomo Nugroho Compliance Director/ Independent Director
Direktur Indra Sintung Budianto Director
Direktur Handoyo Soedirdja Director
- 11 -
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Susunan pengurus Bank dan karyawan (lanjutan) c. Composition of the Bank’s management and
employees (continued)
Komite Audit, Komite Pemantau Risiko dan Komite Audit Committee, Risk Monitoring Committee and
Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite audit Audit committee
Berdasarkan Keputusan Dewan Komisaris Based on the Decree of the Board of Commissioners
No.002/BAGI-KOM/XII/2023 tanggal 6 Desember No.002/BAGI-KOM/XII/2023 dated December 6, 2023,
2023, susunan Komite Audit pada tanggal the composition of the Audit Committee as of
31 Desember 2024 dan 2023 adalah sebagai berikut: December 31, 2024 and 2023 is as follows:
2024 dan/ and 2023
Ketua Pesta Uli Sitanggang Chairman
Anggota Suryani Purwita Member
Anggota Anas Latief Member
Komite pemantau risiko Risk monitoring committee
Berdasarkan Keputusan Dewan Komisaris Based on the Decree of the Board of Commissioners
No.002/BAGI-KOM/XII/2023 tanggal 6 Desember No.002/BAGI-KOM/XII/2023 dated December 6, 2023,
2023, susunan Komite Pemantau Risiko pada tanggal the composition of the Risk Monitoring Committee as of
31 Desember 2024 dan 2023 adalah sebagai berikut: December 31, 2024 and 2023 is as follows:
2024 dan/ and 2023
Ketua Elizawatie Simon Chairman
Anggota Suryani Purwita Member
Anggota Anas Latief Member
Komite remunerasi dan nominasi Remuneration and nomination committee
Berdasarkan Keputusan Dewan Komisaris Based on Board of Commissioners Decree
No.002/BAGI-KOM/XII/2023 tanggal 6 Desember No.002/BAGI-KOM/XII/2023 dated December 6, 2023,
2023, susunan Komite remunerasi dan nominasi pada the composition of the remuneration and nomination
tanggal 31 Desember 2024 dan 2023 adalah sebagai Committee on December 31, 2024 and 2023 are as
berikut: follows:
2024 dan/ and 2023
Ketua Kiki Syahnakri Chairman
Anggota Tomy Winata Member
Anggota Marlene Gunawan Member
Sekretaris Perusahaan dan satuan kerja audit Corporate secretary and internal audit working unit
internal
Sekretaris Perusahaan Corporate Secretary
Berdasarkan Surat Keputusan Surat Keputusan Based on Decree No. SK-MT/HC/0133/VI/2024 dated
No. SK-MT/HC/0133/VI/2024 tanggal 26 Juni 2024 June 26, 2024 effective June 26, 2024 and Decree
efektif 26 Juni 2024 dan Surat Keputusan No. SK-MT/HC/0304/VII/2023 dated July 7, 2023
No. SK-MT/HC/0304/VII/2023 tanggal 7 Juli 2023 effective July 10, 2023, the Corporate Secretaries as of
efektif 10 Juli 2023, Sekretaris Perusahaan pada tanggal December 31, 2024 and 2023 are Rumi Kreshna
31 Desember 2024 dan 2023 adalah Rumi Kreshna Wibowo and Elvin Halim.
Wibowo dan Elvin Halim.
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Page 543
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Susunan pengurus Bank dan karyawan (lanjutan) c. Composition of the Bank’s management and
employees (continued)
Sekretaris Perusahaan dan satuan kerja audit Corporate secretary and internal audit working unit
internal (lanjutan) (continued)
Satuan kerja audit internal Internal audit working unit
Berdasarkan Surat Keputusan Direksi Based on Board of Directors’ Decision Letter
No. SK-MT/SDM/0704/X/2020 tanggal 14 Oktober No. SK-MT/SDM/0704/X/2020 dated October 14, 2020,
2020, Kepala Satuan Kerja Audit Internal (SKAI) pada the Chief of Internal Audit Working Unit (IAWU) as of
tanggal 31 Desember 2024 dan 2023 adalah Adhyaksa December 31, 2024 and 2023 is Adhyaksa Sitepu.
Sitepu.
Manajemen kunci Bank meliputi Dewan Komisaris, The Bank’s key management consist of the Board of
Direksi dan Komite Audit. Jumlah imbalan kerja jangka Commissioners, Board of Directors and Audit
pendek (gaji dan remunerasi) yang dibayarkan kepada Committee. Total short-term employee benefits (salaries
personil manajemen kunci Bank untuk tahun yang and remuneration) paid to the key management
berakhir pada tanggal-tanggal 31 Desember 2024 personnel of the Bank for the years ended
dan 2023 adalah sebagai berikut: December 31, 2024 and 2023 are as follows:
2024 2023
Dewan Komisaris 19.667 18.536 Board of Commissioners
Direksi 17.369 18.590 Board of Directors
Jumlah 37.036 37.126 Total
Tidak ada kompensasi dalam bentuk imbalan pasca There are no compensation of post-employment benefits,
kerja, imbalan kerja jangka panjang lainnya, pesangon other long-term employee benefits, termination benefits
pemutusan kontrak kerja dan pembayaran berbasis and share-based payments to the key management
saham kepada personil manajemen kunci Bank. personnel of the Bank.
Pada tanggal 31 Desember 2024 dan 2023, Bank As of December 31, 2024 and 2023, the Bank had 1,279
memiliki karyawan masing-masing sejumlah 1.279 dan and 1,463 respectively (unaudited).
1.463 (tidak diaudit).
d. Penyelesaian laporan keuangan d. Completion of the financial statements
Manajemen Bank bertanggung jawab atas penyusunan The management of the Bank is responsible for the
dan penyajian wajar laporan keuangan yang telah preparation and fair presentation of the financial
diselesaikan dan diotorisasi untuk diterbitkan pada statements that were completed and authorized to be
tanggal 26 Maret 2025. issued on March 26, 2025.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
Berikut ini adalah kebijakan akuntansi material yang Presented below are the material accounting policies adopted
diterapkan dalam penyusunan laporan keuangan yang sesuai in preparing the financial statements, which are in conformity
dengan Standar Akuntansi Keuangan Indonesia. Kebijakan with Indonesian Financial Accounting Standards. These
ini telah diterapkan secara konsisten terhadap seluruh tahun policies have been consistently applied to all year presented,
yang disajikan, kecuali jika dinyatakan lain. unless otherwise stated.
a. Pernyataan kepatuhan dan dasar penyusunan a. Statement of compliance and basis of financial
laporan keuangan statements preparation
i. Pernyataan kepatuhan i. Statement of compliance
Laporan keuangan telah disusun dan disajikan The financial statements were prepared and
sesuai dengan Standar Akuntansi Keuangan di presented in accordance with the Indonesian
Indonesia (“SAK”) yang mencakup Pernyataan Financial Accounting Standards (“IFAS”) which
Standar Akuntansi Keuangan (“PSAK”) dan comprise the Statements of Financial Accounting
Interpretasi Standar Akuntansi Keuangan Standards (“SFAS”) and Interpretations of
(“ISAK”) yang diterbitkan oleh Dewan Standar Financial Accounting Standards (“IFAS”) issued
Akuntansi Keuangan Ikatan Akuntan Indonesia by the Board of Financial Accounting Standards of
(DSAK - IAI) dan peraturan Bapepam dan LK, the Indonesian Institute of Accountants (“FASB -
yang fungsinya dialihkan kepada Otoritas Jasa IAI”), and Bapepam and LK, which function has
Keuangan (“OJK”) sejak tanggal 1 Januari 2018, been transferred to Financial Services Authority
No. VIII.G.7 tentang “Penyajian dan (“OJK”) starting January 1, 2018, rule
Pengungkapan Laporan Keuangan Emiten atau No. VIII.G.7 regarding “Financial Statements
Perusahaan Publik” yang terdapat dalam Lampiran Presentation and Disclosures for Issuers or Public
Keputusan Ketua Bapepam dan LK No. KEP- Companies” as included in the Appendix of the
347/BL/2012 tanggal 25 Juni 2012. Decision Decree of the Chairman of Bapepam and
LK No. KEP-347/BL/2012 dated June 25, 2012.
ii. Dasar penyusunan laporan keuangan ii. Basis of financial statements preparation
Laporan keuangan telah disusun berdasarkan biaya The financial statements have been prepared
historis kecuali untuk beberapa akun tertentu yang under the historical cost except for certain
diukur berdasarkan pengukuran lain sebagaimana accounts which have been valued on another
diuraikan dalam kebijakan akuntansi dari akun measurement basis as explained in the accounting
tersebut. Laporan keuangan disusun dengan dasar policy for such account. The financial statements
akrual kecuali laporan arus kas. are prepared under the accrual basis of
accounting, except for the statement of cash flows.
Laporan arus kas disusun dengan menggunakan The statement of cash flows was prepared based on
metode langsung dengan mengelompokkan arus the direct method with cash flows classified into
kas ke dalam aktivitas operasi, investasi dan cash flows from operating, investing and financing
pendanaan. Untuk tujuan penyajian laporan arus activities. For the purpose of the statement of cash
kas, kas dan setara kas terdiri dari kas, giro pada flows, cash and cash equivalents include cash,
Bank Indonesia, giro pada bank lain, penempatan current accounts with Bank Indonesia, current
pada Bank Indonesia dan bank lain dan Sertifikat accounts with other banks, placements with Bank
Deposito Bank Indonesia yang jatuh tempo dalam Indonesia and other banks and Certificates
3 (tiga) bulan atau kurang sejak tanggal perolehan Deposits of Bank Indonesia with original
yang tidak digunakan sebagai jaminan atas maturities of 3 (three) months or less from the
pinjaman yang diterima serta tidak dibatasi acquisition date, which are not pledged as
penggunaannya. collateral nor restricted in use.
Dalam penyusunan laporan keuangan sesuai The preparation of financial statements in
dengan Standar Akuntansi Keuangan di Indonesia, conformity with Indonesian Financial Accounting
dibutuhkan pertimbangan, estimasi dan asumsi Standards requires use of judgments, estimates and
yang mempengaruhi: assumptions that affect:
• Penerapan kebijakan akuntansi, • The application of accounting policies,
• Jumlah aset dan liabilitas dilaporkan, dan • The reported amounts of assets and liabilities,
pengungkapan atas aset dan liabilitas and the disclosure of contingent assets and
kontinjensi pada tanggal laporan keuangan, liabilities at the date of financial statements,
jumlah pendapatan dan beban selama periode the reported amounts of revenues and expenses
pelaporan. during the reporting period.
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Page 545
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
a. Pernyataan kepatuhan dan dasar penyusunan a. Statement of compliance and basis of financial
laporan keuangan (lanjutan) statements preparation (continued)
ii. Dasar penyusunan laporan keuangan (lanjutan) ii. Basis of financial statements preparation
(continued)
Walaupun estimasi ini dibuat berdasarkan Although these estimates are based on
pengetahuan terbaik manajemen atas kejadian dan management’s best knowledge of current events
tindakan saat ini, hasil aktual mungkin berbeda and activities, actual results may differ from those
dengan jumlah yang diestimasi semula. estimates.
Estimasi, asumsi dan pertimbangan akuntansi Significant accounting estimates, assumptions and
signifikan yang diterapkan dalam penyusunan judgment applied in the preparation of the Bank’s
laporan keuangan Bank diungkapkan pada financial statements are disclosed in Note 3.
Catatan 3.
Laporan keuangan disajikan dalam mata uang Financial statements are presented in Rupiah
Rupiah, yang merupakan mata uang fungsional which is the functional currency of the Bank.
Bank.
Seluruh angka dalam laporan keuangan ini, The amounts in the financial statements are
dibulatkan dan dinyatakan dalam jutaan Rupiah rounded to and stated in millions of Rupiah, unless
yang terdekat, kecuali dinyatakan lain. otherwise stated.
b. Penerapan Standar Akuntansi Keuangan Baru dan b. Adoption of new and Revised Statements of
Revisi (“PSAK”) dan Interprestasi Standar Financial Accounting Standards (“SFAS”) and
Akuntansi Keuangan (“ISAK”) Interpretations of Financial Accounting Standards
(“IFAS”)
i. Amendemen/ penyesuaian dan interpretasi i. Amendments/ improvements and interpretations
standar yang berlaku efektif pada tahun to standards effective in the current year
berjalan
Berikut ini adalah standar akuntansi keuangan, The followings are financial accounting standard,
perubahan, dan interpretasi standar akuntansi amendments and interpretation of financial
keuangan yang berlaku efektif sejak accounting standard which become effective
1 Januari 2024: starting January 1, 2024:
Amendemen PSAK No. 116, “Sewa tentang Amendment of SFAS No. 116: “Lease regarding
Liabilitas Sewa dalam Jual dan Sewa-Balik” Lease Liability in a Sale and Leaseback”. This
Amendemen ini diadopsi dari amandemen IFRS amendment adopted from IFRS No. 16 amendment,
No. 16, ”Lease: lease Liability in a Sale and “Lease: lease Liability in a Sale and Leaseback”.
Leaseback”. Amendemen ini mengatur This amendment regulates the next measurement
pengukuran selanjutnya untuk aset hak guna dan for right-of-use assets and lease liability from sale
liabilitas sewa dari transaksi jual dan sewa balik. and leaseback transactions.
Amendemen PSAK No. 201: “Penyajian Laporan Amendment of SFAS No. 201: “Presentation of
Keuangan tentang Liabilitas Jangka Panjang Financial Statements Regarding Long-term
dengan Konvenan”. Amendemen ini diadopsi dari Liabilities with Convenants”. This amendment was
amendemen IAS No. 1, “Presentation of Financial adopted from IAS No. 1 amendment, “Presentation
Statements: Non-Current Liabilities with of Financial Statements: Non-Current Liabilities
Convanants”. Amendemen ini mengatur bahwa with Convanants”. This amendment regulates that
hanya konvenan yang harus dipatuhi entitas pada only the convenants must complied with entity on
atau sebelum tanggal pelaporan yang akan or before reporting date will affect its classification
mempengaruhi klasifikasi dan liabilitas jangka and short term or long-term and its disclosure.
pendek atau jangka panjang serta
pengungkapannya.
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Page 546
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
b. Penerapan Standar Akuntansi Keuangan Baru dan b. Adoption of new and Revised Statements of
Revisi (“PSAK”) dan Interprestasi Standar Financial Accounting Standards (“SFAS”) and
Akuntansi Keuangan (“ISAK”) (lanjutan) Interpretations of Financial Accounting Standards
(“IFAS”) (continued)
i. Amendemen/ penyesuaian dan interpretasi i. Amendments/ improvements and interpretations
standar yang berlaku efektif pada tahun to standards effective in the current year
berjalan (lanjutan) (continued)
Berikut ini adalah standar akuntansi keuangan, The followings are financial accounting standard,
perubahan, dan interpretasi standar akuntansi amendments and interpretation of financial
keuangan yang berlaku efektif sejak accounting standard which become effective
1 Januari 2024: (lanjutan) starting January 1, 2024: (continued)
Amendemen PSAK No. 207, “Laporan Arus Kas” Amendment of SFAS No. 207: “Statement of Cash
dan Amendemen PSAK No. 107, “Instrumen Flows” and Amendment of SFAS No. 107,
Keuangan: Pengungkapan tentang Pengaturan “Statements of Financial Reports: Disclosure
Pembiayaan Pemasok”. Amendemen ini diadopsi regarding Supplier Finance Arrangements”. This
dari amendemen IAS No. 7 “Statement of Cash amendment adopted from IAS No. 7 Amendment
Flows” dan IFRS No. 7, Financial Instruments: “Statement of Cash Flows” dan IFRS No. 7,
Disclosures – Supplier Finance Arrangements”. Financial Instruments: Disclosures – Supplier
Amendemen ini menjelaskan pengungkapan terkait Finance Arrangements”. This amendment disclose
pengaturan pembiayaan pemasok. about supplier finance arrangements.
Implementasi dari standar-standar tersebut tidak The implementation of the above standards did not
menghasilkan perubahan substansial terhadap result in substantial changes to the Bank’s
kebijakan akuntansi Bank dan tidak memiliki accounting policies and had no material impact to
dampak yang material terhadap laporan keuangan the financial statements for current or prior
di tahun berjalan atau tahun sebelumnya. financial years.
ii. Standar dan amandemen standar telah ii. Standards and amendments to standards issued
diterbitkan tapi belum diterapkan not yet adopted
Berikut ini ringkasan revisi dan amandemen PSAK The following summarizes the revised and
dan ISAK yang diterbitkan oleh Dewan Standar amended SFAS and the IFAS which were issued by
Akuntansi Keuangan (DSAK) - IAI yang relevan the Financial Accounting Standards Board (FASB)
untuk Bank, namun belum berlaku efektif untuk are relevant to the Bank, but not yet effective to the
laporan keuangan pada tanggal 31 Desember 2024: Bank on financial statements as of
December 31, 2024:
PSAK No. 117 “Kontrak Asuransi” SFAS No. 117 “Insurance Contract”
Amendemen PSAK No. 117 “Kontrak Asuransi Amendment of SFAS No. 117: “Insurance Contract
tentang Penerapan Awal PSAK No. 117 dan PSAK on Initial Application of SFAS No. 117 and SFAS
No. 109 – Informasi Komparatif; dan; No. 109 – Comparative Information“; and;
PSAK No. 221 “Pengaruh Perubahan Kurs Valuta SFAS No. 221 “The Effects of Changes in Foreign
Asing”. Amandemen ini memperjelas pengaturan Exchange Rates”. This amendment clarifies the
terkait kondisi ketika suatu mata uang tidak regulations regarding the condition when a
tertukarkan serta pengungkapannya. currency is not convertable and its disclosure.
Standar tersebut akan berlaku efektif pada The above standards will be effective on
1 Januari 2025 dan penerapan dini diperbolehkan. January 1, 2025 and early adoption is permitted.
Saat ini, Bank sedang mengevaluasi dan belum The Bank is presently evaluating and has not yet
menetapkan dampak dari PSAK yang dikeluarkan determined the effects of these issued and revised
dan direvisi tersebut terhadap laporan SFAS on its financial statements.
keuangannya.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
c. Transaksi dan saldo dalam mata uang asing c. Transactions and balances in foreign currency
Kebijakan akuntansi atas transaksi dan Accounting policy for transactions and balances in
saldo dalam mata uang asing didasarkan pada peraturan foreign currency is based on Bapepam and LK rule No.
Bapepam dan LK No. VIII.G.7 dan Buku Panduan VIII.G.7 and Banking Accounting Handbook for
Akuntansi Perbankan Bagi Bank Umum Konvensional Conventional Commercial Banks (“BPAK”). The Bank
(“BPAK”). Bank mengacu pada Buku Panduan refers to the Banking Accounting Handbook for
Akuntansi Perbankan Bagi Bank Umum Konvensional Conventional Commercial Banks (“BPAK”) where
(“BPAK”) dimana transaksi dalam mata uang asing transactions denominated in a foreign currency are
dijabarkan ke mata uang Rupiah dengan menggunakan converted into Rupiah using the reporting (closing) rate
kurs laporan (penutupan) yang ditetapkan oleh Bank set by Bank Indonesia that is middle rate which is the
Indonesia yaitu kurs tengah yang merupakan rata-rata average of bid rate and ask rate based on Reuters at
kurs beli dan kurs jual berdasarkan Reuters pada pukul 16.00 Western Indonesian Time prevailing at such time.
16.00 Waktu Indonesia Barat yang berlaku pada tanggal
tersebut.
Keuntungan dan kerugian selisih kurs yang timbul dari Exchange gains and losses arising on transactions in
transaksi dalam mata uang asing dan dari penjabaran foreign currency and on the translation of monetary
aset dan liabilitas moneter dalam mata uang asing, assets and liabilities denominated in foreign currency
diakui pada laporan laba rugi dan penghasilan are recognized in the current year statement of profit or
komprehensif lain tahun berjalan. loss and other comprehensive income.
Aset dan liabilitas non-moneter dalam mata uang asing Non-monetary assets and liabilities in foreign currency
dijabarkan dengan menggunakan kurs pada tanggal are translated using the exchange rate at the date of
transaksi. transaction occur.
Berikut ini adalah kurs mata uang asing utama yang Below are the major exchange rates used for translation
digunakan untuk menjabarkan pada tanggal as of December 31, 2024 and 2023 (Rupiah full
31 Desember 2024 dan 2023 (Rupiah penuh): amount):
2024 2023
Poundsterling Inggris 20.218,54 19.626,56 Great Britain Poundsterling
Euro Eropa 16.758,12 17.038,32 European Euro
Dolar Amerika Serikat 16.095,00 15.397,00 United States Dollar
Dolar Australia 10.013,51 10.520,77 Australian Dollar
Dolar Singapura 11.844,58 11.676,34 Singapore Dollar
Yuan China 2.198,50 2.169,50 China Yuan
Dolar Hong Kong 2.073,11 1.970,73 Hong Kong Dollar
Yen Jepang 103,03 108,88 Japanese Yen
d. Aset dan liabilitas keuangan d. Financial assets and liabilitas
Aset keuangan diklasifikasikan sebagai aset keuangan Financial assets are classified as financial assets at fair
yang diukur pada nilai wajar melalui laba rugi, value through profit or loss, loans and receivables, held-
pinjaman yang diberikan dan piutang, aset keuangan to-maturity financial assets and available-for-sale
dimiliki hingga jatuh tempo dan aset keuangan tersedia financial assets. The classification depends on the
untuk dijual. Klasifikasi ini tergantung dari tujuan purpose for which the financial assets were acquired.
perolehan aset keuangan tersebut. Manajemen Management determines the classification of its financial
menentukan klasifikasi aset keuangan tersebut pada assets at initial recognition.
saat pengakuan awal.
Liabilitas keuangan diklasifikasikan sebagai liabilitas Financial liabilities are classified as financial liabilities
yang diukur pada nilai wajar melalui laba rugi dan designated at fair value through profit or loss and
liabilitas keuangan yang diukur pada biaya perolehan financial liabilities measured at amortized cost.
diamortisasi.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Pengakuan dan Pengukuran Recognition and Measurement
Klasifikasi instrumen keuangan pada pengakuan awal The classification of financial instruments at initial
tergantung pada tujuan dan intensi manajemen serta recognition depends on the purpose and management's
karakteristik dari instrumen keuangan tersebut. Semua intention for which the financial instruments were
instrumen keuangan pada saat pengakuan awal diukur acquired and their characteristics. All financial
sebesar nilai wajarnya. Dalam hal aset keuangan atau instruments are measured initially at their fair values. In
liabilitas keuangan tidak diukur pada nilai wajar the case that financial assets or financial liabilities are
melalui laba rugi, nilai wajar tersebut ditambah biaya not designated at fair value through profit or loss, the
transaksi yang dapat diatribusikan secara langsung fair value should be added with attributable transaction
dengan perolehan atau penerbitan aset keuangan atau costs directly from acquisition or issuance of financial
liabilitas keuangan tersebut. assets or financial liabilities.
Pengukuran aset keuangan dan liabilitas keuangan The subsequent measurement of financial assets and
setelah pengakuan awal tergantung pada klasifikasi aset financial liabilities depends on their classification.
keuangan dan liabilitas keuangan tersebut.
i. Aset keuangan i. Financial assets
Bank mengklasifikasikan aset keuangannya dalam The Bank classifies its financial assets into
kategori: categories:
a) aset keuangan yang diukur pada nilai wajar a) financial assets measured at fair value
melalui laba rugi, through profit or loss,
b) aset keuangan yang diukur pada nilai wajar b) financial assets measured at fair value
melalui pendapatan komprehensif lainnya, through other comprehensive income,
c) dan aset keuangan yang diukur pada biaya c) and financial assets measured at amortized
perolehan diamortisasi. cost.
Bank menggunakan 2 (dua) dasar untuk The Bank uses 2 (two) bases for classifying
mengklasifikasikan aset keuangan yaitu model financial assets, namely the Bank's business model
bisnis Bank dalam mengelola aset keuangan dan for managing financial assets and the
karakteristik arus kas kontraktual dari aset characteristics of the contractual cash flows of
keuangan. financial assets.
a) Aset keuangan yang diukur pada nilai wajar a) Financial assets measured at fair value
melalui laba rugi, through profit or loss,
Aset keuangan diukur pada nilai wajar Financial assets are measured at fair value
melalui laba rugi kecuali tes model bisnis dan through profit or loss unless tests of business
tes arus kas kontraktual menunjukkan bahwa model and contractual cash flow tests show
aset keuangan masuk ke dalam klasifikasian that financial assets are classified at
diukur pada biaya perolehan diamortisasi amortized cost or fair value through other
atau nilai wajar melalui penghasilan comprehensive income.
komprehensif lain.
Klasifikasi ini ditujukan untuk instumen This classification is intended for financial
keuangan yang dimiliki untuk instruments held for trading or at initial
diperdagangkan atau pada saat pengakuan recognition determined by the Bank to be
awal telah ditetapkan oleh Bank untuk diukur measured at fair value through profit or
pada nilai wajar melalui laba rugi. loss.
b) Aset keuangan yang diukur pada nilai wajar b) Financial assets measured at fair value
melalui penghasilan komprehensif lain through other comprehensive income
Aset keuangan dikelola dalam model bisnis Financial assets are managed by a business
yang tujuannya akan terpenuhi dengan model whose goals will be met by getting a
mendapatkan arus kas kontraktual dan cash flow of the cash and selling the
menjual aset keuangan dan persyaratan financial assets and the contractually
kontraktual dari aset keuangan yang pada requirements of financial assets that on a
tanggal tertentu meningkatkan arus kas yang certain date increase cash flow simply from
semata dari pembayaran pokok dan bunga principal payments and interest (solely
(solely payments of principal and interest) payments of principal and interest) from the
dari jumlah pokok terutang. principal amount.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Pengakuan dan Pengukuran (lanjutan) Recognition and Measurement (continued)
i. Aset keuangan (lanjutan) i. Financial assets (continued)
b) Aset keuangan yang diukur pada nilai wajar b) Financial assets measured at fair value
melalui penghasilan komprehensif lain through other comprehensive income
(lanjutan) (continued)
Pada saat pengakuan awalnya, instrumen Upon initial recognition, debt instruments
utang yang diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain diakui pada comprehensive income are recognized at fair
nilai wajarnya ditambah biaya transaksi dan value plus transaction costs and
selanjutnya diukur pada nilai wajarnya subsequently measured at fair value where
dimana keuntungan atau kerugian atas the gain or loss on changes in fair value, gain
perubahan nilai wajar, keuntungan atau or loss on foreign exchange, and impairment
kerugian atas selisih kurs, dan kerugian losses, recognized as other comprehensive
penurunan nilai, diakui sebagai penghasilan income. Dividends from equity instruments
komprehensif lain. Dividen dari instumen are recognized in the profit or loss account.
ekuitas diakui di dalam pos laba rugi.
Kerugian kredit ekspektasian diakui sebagai Expected credit losses are recognized as an
penambah dari penghasilan komprehensif addition to other comprehensive income in
lainnya di dalam laporan posisi keuangan the statement of financial position (not
(tidak mengurangi jumlah tercatat aset reducing the carrying amount of financial
keuangan dalam laporan keuangan). assets in the financial statements). Interest
Pendapatan bunga dihitung menggunakan income is calculated using the effective
metode suku bunga efektif. interest method.
c) Aset keuangan yang diukur pada biaya c) Financial assets carried at amortized cost
perolehan diamortisasi
Aset keuangan yang diukur pada biaya Financial assets measured at amortized cost
perolehan diamortisasi jika aset keuangan if the financial assets are managed in a
dikelola dalam model bisnis yang bertujuan business model that aims to hold financial
untuk memiliki aset keuangan dalam rangka assets in order to obtain contractual cash
mendapatkan arus kas kontraktual dan flows and the contractual terms of the
persyaratan kontraktual dari aset keuangan financial assets that at a certain date
yang pada tanggal tertentu meningkatkan increase cash flows (solely payments of
arus kas yang semata dari pembayaran pokok principal and interest) of the principal
dan bunga (solely payments of principal and amount owed.
interest) dari jumlah pokok terutang.
Pada saat pengakuan awal, aset keuangan At initial recognition, financial assets
yang diukur pada biaya perolehan carried at amortized cost are recognized at
diamortisasi diakui pada nilai wajarnya fair value plus transaction costs and
ditambah biaya transaksi dan selanjutnya subsequently measured at amortized cost
diukur pada biaya perolehan diamortisasi using the effective interest rate.
dengan menggunakan suku bunga efektif.
Pendapatan bunga dari aset keuangan yang Interest income on financial assets measured
diukur pada biaya perolehan diamortisasi at amortized cost is recorded in the
dicatat dalam laporan laba rugi dan statements of profit or loss and other
penghasilan komprehensif lain dan diakui comprehensive income and recognized as
sebagai “Pendapatan bunga”. Ketika “Interest income”. When an impairment loss
penurunan nilai terjadi, kerugian penurunan occurs, the impairment loss is recognized as
nilai diakui sebagai pengurang dari nilai a deduction from the carrying amount of the
tercatat aset keuangan dan diakui didalam financial asset and recognized in the
laporan keuangan sebagai “Pembentukan financial statements as “Allowance for
cadangan kerugian penurunan nilai”. impairment losses”.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Pengakuan dan Pengukuran (lanjutan) Recognition and Measurement (continued)
ii. Liabilitas keuangan ii. Financial liabilities
Bank mengklasifikasikan liabilitas keuangan The Bank classifies financial liabilities into
dalam kategori: categories:
a) Liabilitas keuangan yang diukur pada nilai a) Financial liabilities designated at fair value
wajar melalui laba rugi through profit or loss
Kategori ini terdiri dari dua sub-kategori: This category consists of two sub-categories:
liabilitas keuangan diklasifikasikan sebagai financial liabilities classified as trading and
diperdagangkan dan liabilitas keuangan yang financial liabilities which on initial
pada saat pengakuan awal telah ditetapkan recognition have been designated by the
oleh Bank untuk diukur pada nilai wajar Bank to be measured at fair value through
melalui laba rugi. profit or loss.
Liabilitas keuangan diklasifikasikan sebagai A financial liability is classified as trading if
diperdagangkan jika diperoleh terutama it is acquired primarily for the purpose of
untuk tujuan dijual atau dibeli kembali dalam selling or repurchasing in the near term or if
waktu dekat atau jika merupakan bagian dari it is part of a certain jointly managed
portofolio instrumen keuangan tertentu yang portfolio of financial instruments and there is
dikelola bersama dan terdapat bukti evidence of a recent short-term profit taking
mengenai pola ambil untung dalam jangka pattern. Derivatives are classified as
pendek yang terkini. Derivatif liabilities for trading unless they are
diklasifikasikan sebagai liabilitas designated and effective as hedging
diperdagangkan kecuali ditetapkan dan instruments.
efektif sebagai instrumen lindung nilai.
Keuntungan dan kerugian yang timbul dari Gains and losses arising from changes in fair
perubahan nilai wajar liabilitas keuangan value of financial liabilities those classified
yang diklasifikasikan sebagai as trading are recorded in the statement of
diperdagangkan dicatat dalam laporan laba profit or loss and other comprehensive
rugi dan penghasilan komprehensif lain income as income from trading - net. Interest
sebagai pendapatan dari kelompok expense on financial liabilities classified as
diperdagangkan - bersih. Beban bunga dari trading is recorded in account of trading -
liabilitas keuangan diklasifikasikan sebagai net income.
diperdagangkan dicatat diakun pendapatan
kelompok diperdagangkan - bersih.
Jika Bank pada pengakuan awal telah If the Bank at initial recognition has
menetapkan instrumen utang tertentu designated a certain debt instrument as fair
sebagai nilai wajar melalui laba rugi (opsi value through profit or loss (fair value
nilai wajar), maka selanjutnya, penetapan ini option), then this determination cannot be
tidak dapat diubah. changed.
Perubahan nilai wajar terkait dengan Changes in fair value relating to financial
liabilitas keuangan yang ditetapkan untuk liabilities designated at fair value through
diukur pada nilai wajar melalui laba rugi profit or loss are recognized in trading - net
diakui didalam pendapatan kelompok income. Interest expense on financial
diperdagangkan - bersih. Beban Bunga dari liabilities designated at fair value through
liabilitas keuangan yang ditetapkan untuk profit or loss is recorded in the account of
diukur pada nilai wajar melalui laba rugi trading - net income.
dicatat diakun pendapatan kelompok
diperdagangkan – bersih.
Liabilitas keuangan yang diukur pada nilai Financial liabilities designated at fair value
wajar melalui laba rugi terdiri dari dua sub- through profit or loss consist of two sub-
kategori, yaitu liabilitas keuangan categories, financial liabilities classified as
diklasifikasikan sebagai diperdagangkan dan held for trading and financial liabilities
liabilitas keuangan yang pada saat designated by the Bank as at fair value
pengakuan awal telah ditetapkan oleh Bank through profit or loss upon initial
untuk diukur pada nilai wajar melalui laba recognition.
rugi.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Pengakuan dan Pengukuran (lanjutan) Recognition and Measurement (continued)
ii. Liabilitas keuangan (lanjutan) ii. Financial liabilities (continued)
a) Liabilitas keuangan yang diukur pada nilai a) Financial liabilities designated at fair value
wajar melalui laba rugi (lanjutan) through profit or loss (continued)
Liabilitas keuangan diklasifikasikan sebagai A financial liability is classified as held for
diperdagangkan jika diperoleh atau dimiliki trading if it is acquired or incurred
terutama untuk tujuan dijual atau dibeli principally for the purpose of selling or
kembali dalam waktu dekat atau jika repurchasing it in the near term or if it is part
merupakan portofolio instrumen keuangan of portfolio of identified financial instrument
tertentu yang dikelola bersama dan terdapat that are managed together and for which
bukti mengenai pola ambil untung dalam there is evidence of a recent actual pattern of
jangka pendek (short-term profit taking). short-term profit taking. Derivatives are also
Derivatif diklasifikasikan sebagai liabilitas categorized as held for trading unless they
diperdagangkan kecuali derivatif yang are designated and effectively as hedging
ditetapkan dan efektif sebagai instrumen instruments.
lindung nilai.
Setelah pengakuan awal, liabilitas keuangan After initial recognition, the financial
yang diukur pada nilai wajar melalui laba liabilities designated at fair value through
rugi, diukur sebesar nilai wajar. profit or loss, are measure at fair value.
Keuntungan dan kerugian yang timbul dari Gains and losses arising from changing in
perubahan nilai wajar liabilitas yang fair value of financial liabilities classified
diklasifikasikan sebagai diperdagangkan dan held for trading and designated at fair value
yang diukur pada nilai wajar melalui laba through profit or loss are recorded in the
rugi dicatat melalui laporan laba rugi dan statement of profit or loss and other
penghasilan komprehensif lain. comprehensive income.
b) Liabilitas keuangan yang diukur pada biaya b) Financial liabilities measured at amortized
perolehan diamortisasi cost
Bank mengklasifikasikan seluruh liabilitas The Bank classifies all financial liabilities
keuangan setelah pengakuan awal diukur after initial recognition at amortized cost,
pada biaya perolehan diamortisasi, kecuali: except:
1. Liabilitas keuangan yang diukur pada 1. Financial liabilities at fair value
nilai wajar melalui laba rugi; through 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 quality for derecognition or when the
pengakuan atau ketika pendekatan continuing involvement approach is
keterlibatan berkelanjutan diterapkan; applied;
3. Kontrak jaminan keuangan; 3. Financial guarantee contracts;
4. Komitmen untuk menyediakan 4. Commitment to provide loans at below
pinjaman dengan suku bunga di bawah market interest rates;
pasar;
5. Imbalan kontinjensi yang diakui oleh 5. Contingent consideration recognized by
pihak pengakuisisi dalam kombinasi the acquirer in the business
bisnis. combination.
Pada saat pengakuan awal, liabilitas At initial recognition, financial liabilities
keuangan yang diukur dengan biaya measured at amortized cost are measured at
perolehan diamortisasi diukur pada nilai fair value less transaction costs. After initial
wajar dikurangi biaya transaksi. Setelah recognition, the Bank measures all financial
pengakuan awal, Bank mengukur seluruh liabilities at amortized cost using the
liabilitas keuangan yang diukur dengan biaya effective interest method. The effective
perolehan diamortisasi dengan menggunakan interest rate amortization is recognized as
metode suku bunga efektif. Amortisasi suku “Interest expense”.
bunga efektif diakui sebagai “Beban bunga”.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Penentuan nilai wajar Determination for fair value
Nilai wajar adalah harga yang akan diterima untuk Fair value is the price that would be received to sell an
menjual suatu aset atau harga yang akan dibayar untuk asset or price to be paid to transfer a liability in an
mengalihkan suatu liabilitas dalam transaksi teratur orderly transaction between market participants at the
antara pelaku pasar pada tanggal pengukuran tanpa measurement date, regardless of whether that price is
memperhatikan apakah harga tersebut dapat diobservasi directly observable or estimated using another valuation
secara langsung atau diestimasi menggunakan teknik technique. In estimating the fair value of an asset or a
penilaian lain. Dalam mengukur nilai wajar atas suatu liability on measurement date, the Bank takes into
aset atau liabilitas pada tanggal pengukuran, Bank account the characteristics the asset or a liability if
memperhitungkan karakteristik suatu aset atau liabilitas market participants would take those characteristics into
jika pelaku pasar akan memperhitungkan karakteristik account when pricing the asset or liability at the
tersebut ketika menentukan harga aset atau liabilitas measurement date.
pada tanggal pengukuran.
Jika tersedia, Bank mengukur nilai wajar instrumen When available, the Bank measures the fair value of a
keuangan dengan menggunakan harga kuotasian di financial instrument using the quoted price in an active
pasar aktif untuk instrumen tersebut. Suatu pasar market for that instrument. A market is regarded as
dianggap aktif jika transaksi atas aset dan liabilitas active if transactions for the asset or liability take place
terjadi dengan frekuensi dan volume yang memadai with sufficient frequency and volume to provide pricing
untuk menyediakan informasi penentuan harga secara information on an ongoing basis.
berkelanjutan.
Jika harga kuotasian tidak tersedia di pasar aktif, Bank If there is no quoted price in an active market, then the
menggunakan teknik penilaian dengan memaksimalkan Bank uses valuation techniques that maximise the use of
penggunaan input yang dapat diobservasi dan relevan relevant observable inputs and minimise the use of
dan meminimalkan penggunaan input yang tidak dapat unobservable inputs. The chosen valuation technique
diobservasi. Teknik penilaian yang dipilih incorporates all of the factors that market participants
menggabungkan semua faktor yang diperhitungkan oleh would take into account in pricing a transaction.
pelaku pasar dalam penentuan harga transaksi.
Bukti terbaik atas nilai wajar instrumen keuangan pada The best evidence of the fair value of
saat pengakuan awal adalah harga transaksi, yaitu nilai a financial instrument at initial recognition is normally
wajar dari pembayaran yang diberikan atau diterima. the transaction price, i.e., the fair value of the
Jika Bank menetapkan bahwa nilai wajar pada consideration given or received. If the Bank determines
pengakuan awal berbeda dengan harga transaksi dan that the fair value at initial recognition differs from the
nilai wajar tidak dapat dibuktikan dengan harga transaction price and the fair value is evidenced neither
kuotasian di pasar aktif untuk aset atau liabilitas yang by a quoted price in an active market for an identical
identik atau berdasarkan teknik penilaian yang hanya asset or liability nor based on a valuation technique that
menggunakan data dari pasar yang dapat diobservasi, uses only data from observable markets, then the
maka nilai wajar instrumen keuangan pada saat financial instrument is initially measured at fair value,
pengakuan awal disesuaikan untuk menangguhkan adjusted to defer the difference between the fair value at
perbedaan antara nilai wajar pada saat pengakuan awal initial recognition and the transaction price.
dan harga transaksi. Setelah pengakuan awal, perbedaan Subsequently, that difference is recognized in profit or
tersebut diakui dalam laba rugi berdasarkan umur dari loss on an appropriate basis over the life of the
instrumen tersebut namun tidak lebih lambat dari saat instrument but no later than when the valuation is wholly
penilaian tersebut didukung sepenuhnya oleh data pasar supported by observable market data or the transaction
yang dapat diobservasi atau saat transaksi ditutup. is closed out.
Jika aset atau liabilitas yang diukur pada nilai wajar If an asset or a liability measured at fair value has a bid
memiliki harga penawaran dan harga permintaan, maka price and an ask price, then the Bank measures assets
Bank mengukur aset dan posisi long berdasarkan harga and long positions at a bid price and liabilities and short
penawaran dan mengukur liabilitas dan posisi short positions at an ask price.
berdasarkan harga permintaan.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Penghentian pengakuan Derecognition
Bank menghentikan pengakuan aset keuangan, jika dan The Bank derecognizes a financial asset if, and only if,
hanya jika, hak kontraktual untuk menerima arus kas the contractual rights to receive cash flows from the
yang berasal dari aset keuangan tersebut berakhir; atau financial asset have expired; or the Bank has transferred
Bank mentransfer hak untuk menerima arus kas yang its rights to receive cash flows from the financial asset
berasal dari aset keuangan atau menanggung liabilitas or has assumed an obligation to pay the received cash
untuk membayarkan arus kas yang diterima tersebut flows in full without material delay to a third party under
secara penuh tanpa penundaan berarti kepada pihak a pass through arrangement; and either (a) the Bank has
ketiga di bawah kesepakatan pelepasan (pass through transferred substantially all the risks and rewards of the
arrangement); dan (a) Bank telah mentransfer secara asset, or (b) the Bank has neither transferred nor
substansial seluruh risiko dan manfaat atas aset, atau retained substantially all the risks and rewards of the
(b) Bank tidak mentransfer maupun tidak memiliki asset, but has transferred control of the asset.
secara substansial seluruh risiko dan manfaat atas aset,
namun telah mentransfer pengendalian atas aset
tersebut.
Liabilitas keuangan dihentikan pengakuannya pada saat A financial liability is derecognized when the obligation
liabilitas dihentikan atau dibatalkan atau berakhir. under the liability is discharged or cancelled or expires.
Hapus buku Write-off
Dalam hal penghapusbukuan aset keuangan merupakan In the case of write-off of financial assets is
kelanjutan dari tindakan penyelesaian aset keuangan a continuation of the settlement of financial assets by
dengan cara pengambilalihan agunan, maka jumlah take over the collateral, the amount that written-off is
yang dihapus buku adalah sebesar selisih kurang antara approximately equal to the difference between the fair
nilai wajar agunan yang diambil alih setelah value of foreclosed assets after considering the cost of
memperhitungkan taksiran biaya penjualan dengan sales and the carrying amount of financial assets.
nilai tercatat aset keuangan setelah memperhitungkan
taksiran biaya penjualan dengan nilai tercatat aset
keuangan.
Aset keuangan dapat dihapus buku apabila cadangan Financial assets can be written-off if the allowance for
kerugian penurunan nilai telah dibentuk 100%. impairment losses have been provided 100%.
Penghapusbukuan dilakukan secara keseluruhan Write-off performed in its entirety to the carrying
terhadap nilai tercatat aset keuangan dengan mendebet amount of financial assets by debiting the allowance for
cadangan kerugian penurunan nilai. impairment losses.
Saling hapus Offsetting
Aset keuangan dan liabilitas keuangan saling hapus dan Financial assets and financial liabilities are offset and
nilai bersihnya dilaporkan di laporan posisi keuangan the net amount are reported in the statement of financial
jika, dan hanya jika, saat ini terdapat hak yang position if, and only if, there is a currently enforceable
berkekuatan hukum untuk saling hapus jumlah legal rights to offset the recognized amounts and there
keduanya dan terdapat intensi untuk diselesaikan is an intention to settle on a net basis, or to realize the
secara bersih atau untuk merealisasikan aset dan assets and settle the liabilities simultaneously. Income
menyelesaikan liabilitas secara bersamaan. Pendapatan and expenses are presented on a net basis only when
dan beban disajikan secara bersih jika diperbolehkan permitted by accounting standards.
oleh standar akuntansi.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Reklasifikasi Instrumen Keuangan Reclassification of Financial Instruments
Bank mereklasifikasi aset keuangan jika dan hanya jika, The Bank reclassifies financial assets if and only if, the
model bisnis untuk pengelolaan aset keuangan berubah. business model for managing financial assets changes.
Reklasifikasi aset keuangan dari klasifikasi biaya Reclassifications of financial assets from amortized cost
perolehan yang diamortisasi ke klasifikasi nilai wajar classifications to fair value through profit or loss are
melalui laba rugi dicatat sebesar nilai wajarnya. Selisih recorded at fair value. The difference between the
antara nilai tercatat dengan nilai wajar diakui sebagai recorded value and fair value is recognized in profit or
keuntungan atau kerugian pada laba rugi. loss on the statement of profit or loss and other
comprehensive income.
Reklasifikasi aset keuangan dari klasifikasi biaya Reclassifications of financial assets from amortized cost
perolehan yang diamortisasi ke klasifikasi nilai wajar classifications to fair value classifications through other
melalui penghasilan komprehensif lain dicatat sebesar comprehensive are recorded at their fair values.
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 wajarnya. through profit or loss is recorded at fair value.
Keuntungan atau kerugian yang belum direalisasi Unrealized gains or losses are reclassified to profit or
direklasifikasi ke laba rugi. loss.
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 the amortized
biaya perolehan yang diamortisasi dicatat pada nilai cost is recorded at fair value at the date of
wajarnya pada tanggal reklasifikasi. Keuntungan atau reclassification. Unrealized gains or losses is removed
kerugian yang belum direalisasi dihapus dari ekuitas dan from equity and is adjusted against the fair value.
disesuaikan terhadap nilai wajar.
Reklasifikasi aset keuangan dari klasifikasi nilai wajar Reclassifications on 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 are recorded 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 classification is
diamortisasi dicatat pada nilai wajar. recorded at fair value.
Pengungkapan Disclosure
Bank mengklasifikasikan pengukuran nilai wajar The Bank classifies fair value measurements using a fair
dengan menggunakan hirarki nilai wajar yang value hierarchy that reflects the significance of the
mencerminkan signifikansi input yang digunakan inputs used in making the measurements. The fair value
dalam melakukan pengukuran. Hirarki nilai wajar hierarchy shall have the following levels:
memiliki tingkat sebagai berikut:
a) Tingkat 1: Harga kuotasian (tidak disesuaikan) a) Level 1: Quoted prices (unadjusted) in active
dalam pasar aktif untuk aset dan liabilitas yang markets for identical assets or liabilities;
identik;
b) Tingkat 2: Teknik penilaian yang menggunakan b) Level 2: Valuation technique which use inputs
input selain harga kuotasian yang termasuk di other than quotes prices included within level 1
dalam tingkat 1 yang dapat diobservasi untuk aset that are observable for the asset or liability either
dan liabilitas baik secara langsung (misalnya directly (example, price) or indirectly (example
harga) atau secara tidak langsung (misalnya derived from prices); and
derivasi dari harga); dan
c) Tingkat 3: Teknik penilaian yang menggunakan c) Level 3: Valuation technique which use inputs for
input untuk aset dan liabilitas yang tidak the asset and liability that are not based on
didasarkan pada data pasar yang dapat diobservasi observable market data (unobservable inputs).
(input yang tidak dapat diobservasi).
- 24 -
Page 555
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilitas (continued)
Pengungkapan (lanjutan) Disclosure (continued)
Risiko pasar - analisis sensitivitas Bank Market risk - sensitivity analysis The Bank discloses:
mengungkapkan:
a) Analisis sensitivitas untuk setiap jenis risiko pasar a) A sensitivity analysis for each type of market risk
dimana entitas terekspos pada akhir tahun to which the entity is exposed at the end of
pelaporan yang menunjukkan bagaimana laba rugi reporting year, showing how profit or loss and
dan ekuitas mungkin terpengaruh oleh perubahan equity would have been affected by changes in the
pada variabel risiko yang relevan yang mungkin relevant risk variable that were reasonably
dapat terjadi pada tanggal tersebut; possible at that date;
b) Metode dan asumsi yang digunakan dalam b) The methods and assumptions used in preparing
menyusun analisis sensitivitas; dan the sensitivity analysis; and
c) Perubahan metode dan asumsi yang digunakan c) Changes from the previous year in the methods
tahun sebelumnya dan alasan perubahannya. and assumptions used and the reasons for such
changes.
Untuk pengukuran nilai wajar yang diakui dalam laporan For fair value measurements recognized in the
posisi keuangan untuk setiap kelompok instrumen statement of financial position for each class of
keuangan, Bank mengungkapkan: financial instruments, the Bank discloses:
a) Tingkat pada hirarki nilai wajar dimana a) The level in the fair value hierarchy into which the
pengukuran nilai wajar dikategorikan secara fair value measurements are categorized in their
keseluruhan, memisahkan pengukuran nilai wajar entirety, segregating fair value measurements in
sesuai tingkat yang ditentukan di atas. accordance with the levels defined above.
b) Setiap pemindahan signifikan antara tingkat 1 dan b) Any significant transfers between level 1 and level
tingkat 2 pada hirarki nilai wajar dan alasannya. 2 of the fair value hierarchy and the reasons for
Pemindahan ke dalam setiap tingkat diungkapkan those transfers. Transfer into each levels is
dan dijelaskan secara terpisah dari pemindahan disclosed and discussed separately from transfers
keluar dari setiap tingkat. out of each level.
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 instrumen instruments. The classification of financial instruments
keuangan dapat dilihat pada tabel di bawah ini: can be seen in the table below:
- 25 -
Page 556
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilitas (continued)
Klasifikasi Instrumen Keuangan Classification of Financial Instrument
Kategori yang didefinisikan oleh PSAK 109/Category as Golongan (ditentukan oleh Bank)/
Sub-golongan/Subclasses
defined by SFAS 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 Kas pada vendor/Cash in vendor
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada bank lain dan Bank Indonesia/Placements with other bank
and Bank Indonesia
Efek-efek yang dibeli dengan janji dijual kembali/Securities purchased under
agreements to resell
Tagihan lainnya/Other receivables
Aset keuangan/ Kredit yang diberikan/Loans
Financial assets Piutang pembiayaan konsumen/Consumer financing receivables
Aset keuangan yang diukur pada Pendapatan bunga yang masih akan diterima/Accrued interest receivable
biaya perolehan yang diamortisasi/ Piutang transaksi nasabah/
Financial assets at amortized cost Receivables from customer
transactions
Penjualan efek-efek yang masih harus
Aset lain-lain/Other assets diterima/ Receivables from sale of
securities
Piutang terkait transaksi ATM/
Receivables related to ATM
transactions
Penyertaan saham/ Investment in share of stock
Tagihan akseptasi/ Acceptance receivables
Wesel ekspor dan tagihan/ Bills and other receivables
Aset keuangan yang diukur pada Efek-efek/ Marketable securities
nilai wajar melalui penghasilan Obligasi Pemerintah/ Government Bonds
komprehensif lain/Financial assets
at fair value through other
comprehensive income
Tagihan derivatif – terkait lindung nilai atas arus kas/ Derivative receivables-
Derivatif lindung nilai/ Hedging
non hedging related
derivatives
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 segera/Obligation due immediately
Simpanan nasabah/Deposits from customers
Simpanan dari bank lain/Deposits from other banks
Efek-efek yang dijual dengan janji di beli kembali/Securities sold under
agreements to repurchase
Liabilitas keuangan yang diukur Liabilitas akseptasi/ Acceptance payables
Liabilitas keuangan/ dengan biaya perolehan Beban yang masih harus dibayar/Accrued expenses
Financial liabilities diamortisasi/ Financial liabilities at Setoran jaminan/Security deposit
Liabilitas lain-lain/Other liabilities
amortized cost Utang nasabah/Payable to customers
Utang bunga/ Interest payable
Lain-lain/Others
Efek-efek yang diterbitkan/ Marketable securities issued
Transaksi komitmen dan kontinjensi/ Commitments and contingencies
transactions
Pinjaman subordinasi/ Subordinated loan
Komitmen pinjaman
dan kontrak jaminan - Fasilitas kredit yang diberikan yang belum digunakan/Commited unused loan facilities granted
keuangan/ Loan - Garansi yang diberikan/ Bank guarantees issued
commitment and
financial guarantee - Letter of credit yang tidak dapat dibatalkan/ Irrevocable letter of credit
contract
- 26 -
Page 557
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
e. Kas dan setara kas e. Cash and cash equivalents
Kas adalah mata uang kertas dan logam baik Rupiah dan Cash represents currency bills and coins, both in Rupiah
mata uang asing yang masih berlaku sebagai alat and foreign currencies, which are valid as legal
pembayaran yang sah. Kas yang telah ditentukan instruments of payment. Appropriated cash or restricted
penggunaannya atau kas yang tidak dapat digunakan cash that cannot be used freely cannot be classified as
secara bebas tidak diklasifikasikan dalam kas. cash definition. Cash also includes cash in vault, petty
Pengertian kas termasuk kas besar, kas kecil, kas dalam cash, cash in transit and currency withdrawn from
perjalanan dan mata uang yang ditarik dari peredaran circulation and still within the grace period for
dan yang masih dalam tenggang untuk penukaran ke exchange to Bank Indonesia.
Bank Indonesia.
Untuk tujuan penyajian laporan arus kas, kas dan setara For statement of cash flows presentation purposes, cash
kas terdiri atas kas, giro pada Bank Indonesia, giro pada and cash equivalents consists of cash, current account
bank lain, penempatan pada Bank Indonesia dan bank with Bank Indonesia, current accounts with other Banks,
lain dan Sertifikat Deposito Bank Indonesia yang jatuh placements with Bank Indonesia and other banks and
tempo dalam 3 (tiga) bulan atau kurang sejak tanggal Deposits Certificates of Bank Indonesia maturing within
perolehan yang tidak dijaminkan atau dibatasi 3 (three) months or less from the date of acquisition
penggunaannya. which were not pledged or restricted in use.
f. Giro pada Bank Indonesia dan bank lain f. Current accounts with Bank Indonesia and other
banks
Giro pada Bank Indonesia dan bank lain dinyatakan Current accounts with Bank Indonesia and other banks
sebesar biaya perolehan diamortisasi dengan are measured at their amortized cost using effective
menggunakan metode suku bunga efektif dikurangi interest rate method less the allowance for impairment
cadangan kerugian penurunan nilai. Penyisihan kerugian losses. The allowance for impairment losses is provided
penurunan nilai dibentuk jika terdapat bukti objektif if there is an objective evidence of impairment (Note 2l).
penurunan nilai (Catatan 2l).
Giro pada Bank Indonesia dan bank lain dinyatakan Current accounts in Bank Indonesia and other banks are
sebesar biaya perolehan diamortisasi menggunakan stated at amortized cost using the effective interest
metode suku bunga efektif dikurangi cadangan kerugian method less allowance for impairment loss and
penurunan nilai dan diklasifikasikan sebagai aset classified as loan and receivables. The specific
keuangan dalam kategori pinjaman yang diberikan dan accounting policy for loan and receivables is disclosed
piutang. Kebijakan akuntansi untuk pinjaman yang in (Note 2d).
diberikan dan piutang diungkapkan pada (Catatan 2d).
• 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
Indonesia dalam Rupiah dan Valuta Asing, Bank and Foreign Currency for Commercial Banks, Bank
diwajibkan untuk menempatkan sejumlah persentase is required to place certain percentage of deposits
tertentu atas simpanan nasabah pada Bank Indonesia. from customers with Bank Indonesia.
g. Penempatan pada Bank Indonesia dan bank lain g. Placements with Bank Indonesia and other banks
Penempatan pada bank lain dan Bank Indonesia terdiri Placements with other banks and Bank Indonesia consist
dari Fasilitas Simpanan Bank Indonesia (FASBI), call of Bank Indonesia Deposit Facility (BIDF), call money
money dan deposito berjangka. 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 bank
diamortisasi. Penempatan pada bank lain dinyatakan are stated at amortized cost using the effective interest
sebesar biaya perolehan diamortisasi menggunakan rate method less allowance for impairment losses.
metode suku bunga efektif dikurangi cadangan kerugian
penurunan nilai.
- 27 -
Page 558
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
g. Penempatan pada Bank Indonesia dan bank lain g. Placements with Bank Indonesia and other banks
(lanjutan) (continued)
Lihat catatan 2d untuk kebijakan akuntansi atas aset dan Rafer to note 2d for the accounting policies of financial
liabilitas keuangan. assets and liabilities.
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
merupakan penempatan dana pada Bank Indonesia represent placement of fund in Bank Indonesia in the
dalam bentuk deposit facility dan term deposits serta form of deposit facility and term deposits and
penempatan dana pada bank lain dalam bentuk deposito placement with other banks in the form of time deposits.
berjangka.
Penempatan pada Bank Indonesia dan bank lain pada Placements with Bank Indonesia and other banks are
awalnya diukur pada nilai wajar ditambah biaya initially measured at fair value plus directly
transaksi yang dapat diatribusikan secara langsung, jika attributable transaction costs, if any, and subsequently
ada, dan selanjutnya diukur sebesar biaya perolehan measured at their amortized cost using the effective
diamortisasi dengan menggunakan metode suku bunga interest rate method. The allowance for impairment
efektif. Penyisihan kerugian penurunan nilai dibentuk losses is provided if there is an objective evidence of
jika terdapat bukti objektif penurunan nilai (Catatan 2l). impairment (Note 2l).
h. Efek-efek h. Marketable securities
Efek-efek terdiri dari Sertifikat Bank Indonesia, Marketable securities consist of Certificates of Bank
Sertifikat Deposito Bank Indonesia, Obligasi Indonesia, Deposits Certificates of Bank Indonesia,
Pemerintah, Surat Utang Non Bank, Obligasi Bank, Government Bonds, Non Bank Bonds, Bank Bonds,
Surat Berharga Syariah Negara, Negotiable State Sharia Securities.
Certificates of Deposits, Obligasi Korporasi.
Efek-efek diklasifikasikan sebagai aset keuangan Marketable securities are classified as financial assets
dalam kelompok diukur pada nilai wajar melalui laba measured at fair value to profit or loss (sub-category of
rugi (sub-kategori aset keuangan yang diklasifikasikan financial assets classified as trading), fair value
sebagai diperdagangkan), diukur pada nilai wajar through other comprehensive income and amortized
melalui penghasilan komprehensif lain dan biaya cost.
perolehan diamortisasi.
Efek-efek yang diklasifikasikan ke dalam kelompok Securities are classified as trading are stated at fair
untuk diperdagangkan (“trading”) disajikan sebesar value. The unrealized gains or losses resulting from the
nilai wajarnya. Keuntungan atau kerugian yang belum increase or decrease in fair value are recognized in the
direalisasi akibat kenaikan atau penurunan nilai wajar current year statement of profit or loss and other
disajikan dalam laporan laba rugi dan penghasilan comprehensive income. Interest income from debt
komprehensif lain tahun berjalan. Pendapatan bunga securities are recorded in the statement of profit or loss
dari efek utang dicatat dalam laporan laba rugi dan and other comprehensive income in accordance with
penghasilan komprehensif lain sesuai dengan the terms of the contract. On the sale of portfolio
persyaratan dalam kontrak. Atas penjualan portofolio trading securities, the difference between the sales
efek yang diperdagangkan, selisih antara harga jual price and the acquisition cost is recognized as a gain
dengan harga perolehan diakui sebagai keuntungan atau or loss on sale in the period in which the securities are
kerugian penjualan pada periode dimana efek tersebut sold.
dijual.
Efek-efek yang diklasifikasikan ke dalam kelompok Marketable securities that are classified as fair value
nilai wajar yang diukur melalui komprehensif lain through other comprehensive income securities are
disajikan sebesar nilai wajarnya. Keuntungan atau stated at fair value. Gains or losses that are not
kerugian yang belum direalisasikan dari kenaikan atau realized from increases or decreases in fair value, net
penurunan nilai wajar, setelah pajak, diakui dan of tax, are recognized and presented as a component of
disajikan sebagai komponen penghasilan komprehensif other comprehensive income. When the securities are
lain. Ketika efek-efek tersebut dijual atau mengalami sold or impaired, gains and losses which was
penurunan nilai, keuntungan atau kerugian yang previously recognized in other comprehensive income
sebelumnya diakui pada penghasilan komprehensif lain is reclassified to the statement of profit or loss as
direklasifikasi ke laporan laba rugi sebagai penyesuaian reclassification adjustment.
reklasifikasi.
- 28 -
Page 559
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
h. Efek-efek (lanjutan) h. Marketable securities (continued)
Efek-efek yang diklasifikasikan ke dalam kelompok Marketable securities classified as amortized cost are
biaya perolehan yang diamortisasi disajikan sebesar stated at cost adjusted for unamortized premium and/or
biaya perolehan yang disesuaikan dengan premi discount. Premium or discount is amortized using the
dan/atau diskonto yang belum diamortisasi. Premi atau effective interest rate method.
diskonto diamortisasi dengan menggunakan metode
suku bunga efektif.
Cadangan kerugian penurunan nilai dan The allowance for impairment losses and changes in
kenaikan/penurunan nilai wajar disajikan sebagai fair value are presented as addition/deduction to the
penambahan/pengurangan terhadap saldo efek-efek. outstanding balance of marketable securities.
Penyisihan kerugian penurunan nilai diukur bila Allowance for impairment losses is assessed if there is
terdapat indikasi penurunan nilai dengan menggunakan an indication of impairment using the impairment
metodologi penurunan nilai sebagaimana diungkapkan methodology as disclosed in Note 2l.
dalam Catatan 2l.
i. Efek yang dibeli dengan janji dijual kembali i. Securities purchased with agreements to resale
Efek yang dibeli dengan janji dijual kembali (reverse) Securities purchased with agreements to resale
diklasifikasikan dalam kategori aset keuangan diukur (reverse) are classified as financial assets at fair value
pada nilai wajar melalui laporan laba rugi. through profit and loss.
Efek-efek yang dibeli dengan janji dijual kembali Securities purchases with agreements to resale (repo)
(repo) disajikan sebagai aset sebesar harga penjualan are presented as asset and stated at the agreed resale
kembali yang disepakati dikurangi selisih antara harga price less the difference between the buying price and
beli dan harga penjualan kembali yang disepakati. agreed resale price. The difference between the buying
Selisih antara harga beli dan harga penjualan kembali price and agreed resale price is amortized using
yang disepakati tersebut diamortisasi dengan effective interest method as interest income over the
menggunakan metode suku bunga efektif sebagai year commencing from the buying date to the resale
pendapatan bunga selama jangka waktu sejak efek-efek date.
tersebut dibeli hingga saat dijual kembali.
Pengakuan, pengukuran awal, pengukuran setelah Recognition, initial measurement, subsequent
pengakuan awal, reklasifikasi, penentuan nilai wajar measurement, reclassification, fair value measurement
dan penghentian pengakuan efek yang dijual dengan and derecognition of securities sold with agreements to
janji dibeli kembali mengacu pada Catatan 2d dan 3 repurchase refer to Notes 2d and 3 related to financial
terkait aset dan liabilitas keuangan. assets and liabilities.
j. Wesel ekspor j. Export bills
Wesel ekspor terdiri atas tagihan dari Letters of Credit. Export bills consist of receivables from Letters of
Wesel ekspor diklasifikasikan sebagai biaya perolehan Credit. Export bills are classified as amortized cost.
yang diamortisasi.
k. Instrumen keuangan derivatif k. Derivative financial instruments
Dalam melakukan usaha bisnisnya, Bank melakukan In conducting its businesses, the Bank conducts
transaksi instrumen keuangan derivatif untuk mengelola transactions of derivative financial instruments to
eksposur pada risiko pasar seperti risiko mata uang. manage exposure on market risks such as currency
Setiap kontrak derivatif dicatat sebagai aset apabila risk. All derivative contracts are recorded as assets
memiliki nilai wajar positif dan sebagai liabilitas apabila when fair value is positive and as liabilities when fair
memiliki nilai wajar negatif. value is negative.
Keuntungan atau kerugian dari kontrak derivatif yang Gain or loss on a derivative contract not designated as
tidak ditujukan untuk lindung nilai (atau tidak memenuhi a hedging instrument (or derivative contract that does
kriteria untuk dapat diklasifikasikan sebagai lindung not qualify as a hedging instrument) is recognized in
nilai) diakui pada laporan laba rugi dan penghasilan the current year statement of profit or loss and other
komprehensif lain tahun berjalan. comprehensive income.
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Page 560
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
k. Instrumen keuangan derivatif (lanjutan) k. Derivative financial instruments (continued)
Instrumen derivatif melekat dipisahkan dari kontrak Embedded derivatives are separated from their host
utama non-derivatif dan diperlakukan sebagai non-derivative contract and accounted for as a
instrumen derivatif jika seluruh kriteria berikut derivative instrument if all of the following criteria are
terpenuhi: met:
a) Karakteristik ekonomi dan risiko dari derivatif a) The economic characteristics and risks of the
melekat tidak secara erat berhubungan dengan embedded derivative are not closely related to
karakteristik ekonomi dan risiko kontrak utama, those of the host contract,
b) Instrumen terpisah dengan kondisi yang sama b) A separate instrument with the same terms as the
dengan instrumen derivatif melekat memenuhi embedded derivative would meet the definition of
definisi dari derivatif, dan a derivative, and
c) Instrumen hibrid (kombinasi) tidak diukur pada c) The hybrid (combined) instrument is not
nilai wajar melalui laporan laba rugi (dalam hal ini measured at fair value through profit or loss (i.e.
derivatif melekat di dalam aset keuangan atau a derivative that is embedded in a financial asset
liabilitas keuangan yang diukur pada nilai wajar or financial liability at fair value through profit or
melalui laporan laba rugi tidak dipisahkan). loss is not separated).
Instrumen derivatif (termasuk transaksi valuta asing Derivatives instruments (including foreign exchange
untuk tujuan pendanaan dan perdagangan) dicatat dalam transactions for financing and trading) is recognized in
laporan posisi keuangan berdasarkan nilai wajar statement of financial position at fair value less
dikurangi dengan cadangan kerugian penurunan nilai. allowance for impairment losses. The fair value is
Nilai wajar tersebut ditentukan berdasarkan harga pasar, based on the market rate, Reuters exchange rate at
kurs Reuters pada tanggal laporan posisi keuangan, statement of financial position date, discounted cash
diskonto arus kas, model penentu harga opsi atau harga flows, option pricing models or broker quoted price on
yang diberikan oleh broker (quoted price) atas instrumen other instruments with similar characteristics.
lainnya yang memiliki karakteristik serupa.
Penyisihan kerugian penurunan nilai dibentuk jika Allowance for impairment losses is provided if there is
terdapat bukti objektif penurunan nilai (Catatan 2l). an objective evidence of impairment (Note 2l).
l. Kredit yang diberikan l. Loans
Kredit yang diberikan merupakan penyediaan uang atau Loans is the provision of money or bills that can be
tagihan yang dapat disamakan dengan itu, berdasarkan equated with it, based on agreement with the recipient
kesepakatan dengan pihak penerima kredit dan of credit and requires the recipient to repay the loan
mewajibkan pihak penerima kredit untuk melunasi after a certain period of time with interest return.
setelah jangka waktu tertentu dengan imbalan bunga.
Jenis-jenis kredit yang diberikan kepada debitur adalah The types of loans granted to the debtor are as follows:
sebagai berikut:
a. Kredit produktif antara lain terdiri dari: a. Productive loans among others consist of:
• Fixed Loan merupakan pinjaman yang diberikan • Fixed Loan is a loan granted to the debtor to
kepada debitur untuk membiayai investasi finance investments (purchase of fixed assets) of
(pembelian aset tetap) debitur atau modal kerja the debtor or the use of working capital which is
yang penggunaannya bersifat seasonal/hanya seasonal/one use only. Withdrawal of funds is
sekali penggunaan saja. Penarikan dana done at once (at the plafond amount agreed
dilakukan sekaligus (sejumlah plafon yang telah between the Bank and debtor) with the use of
disepakati antara Bank dan debitur) dengan promissory notes and repayment can be made on
menggunakan promes/surat sanggup dan a regular basis until the end of credit period. The
pembayaran kembali dapat dilakukan secara portion of loan that has been repaid can not be
berkala sampai dengan masa kredit. Porsi withdrawn;
pinjaman yang telah dilunasi tidak dapat ditarik
kembali;
- 30 -
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
l. Kredit yang diberikan (lanjutan) l. Loans (continued)
a. Kredit produktif antara lain terdiri dari: (lanjutan) a. Productive loans among others consist of:
(continued)
• Revolving Loan merupakan pinjaman yang • Revolving Loan is a loan granted to the debtor
diberikan kepada debitur untuk membiayai to finance permanent working capital, which
modal kerja yang bersifat permanen, yang amount is reflected in the cash flow of the
jumlahnya tercermin dalam arus kas debitur. debtor. Withdrawal of funds according to the
Penarikan dana sesuai dengan kebutuhan debitur needs of debtor by using promissory notes,
dengan menggunakan promes/surat sanggup, which does not exceed the plafond amount that
dengan syarat tidak melebihi jumlah plafon yang have been agreed between the Bank and debtor.
telah disepakati antara Bank dan debitur. Porsi The portion of loan that has been repaid can be
pinjaman yang telah dilunasi dapat ditarik withdrawn as long as the plafond is still
kembali selama plafonnya masih mencukupi dan sufficient and the credit period is still valid
jangka waktu kredit masih berlaku (maksimum (maximum 1 year and can be extended);
1 tahun dan dapat diperpanjang kembali);
• Pinjaman Rekening Koran merupakan pinjaman • Overdraft are loans given to debtor to finance
yang diberikan kepada debitur untuk membiayai the working capital of the debtor's daily. The
modal kerja debitur sehari-hari. Debitur dapat debtor can make withdrawals or loan repayment
melakukan penarikan atau pengembalian by check, bank draft or other transfer letters
pinjaman dengan menggunakan cek, bilyet giro during the term of the credit agreement and the
atau surat pemindahbukuan lainnya selama masa withdrawal does not exceed its plafond amount.
berlakunya perjanjian kredit dan penarikannya
tidak melewati plafon pinjaman.
b. Kredit konsumtif antara lain terdiri dari: b. Consumer loans among others consist of:
• Kredit Pemilikan Rumah dan Kredit Pemilikan • Housing Loan and Apartment Ownership Loan
Apartemen merupakan pinjaman jangka panjang is a long-term loan granted directly to
yang langsung diberikan kepada consumer/prospective owner for the purchase of
konsumen/calon pemilik untuk pembelian house, apartment, shop house, kiosk and
rumah, apartemen, ruko, kios dan memugar atau restoring or repairing a house or shop house
memperbaiki rumah atau ruko yang telah that has been owned by the consumer, where the
dimiliki konsumen, dimana jaminannya adalah collateral is an object which is financed by the
obyek yang dibiayai oleh kredit tersebut; loan;
• Kredit Pemilikan Mobil merupakan pinjaman • Car Loan is a long-term loan granted directly to
jangka panjang yang langsung diberikan kepada consumer/prospective owner for the purchase of
konsumen/calon pemilik untuk pembelian motor vehicles, both new and second-hand,
kendaraan bermotor baik baru maupun bekas, where the collateral is an object which is
dimana jaminannya adalah obyek yang dibiayai financed by the loan.
oleh kredit tersebut.
• Kredit Tanpa Agunan merupakan pinjaman • Unsecured Credit Loan (KTA) is a loan facility
tanpa agunan yang dapat dipergunakan untuk for customers that does not require collateral
berbagi kebutuhan customer, dimana where payments can be paid installments every
pembayarannya dapat diangsur perbulan. month.
Pembayaran Kredit Pemilikan Rumah, Kredit Pemilikan Payment of Housing Loan, Apartment Ownership Loan
Apartemen dan Kredit Kepemilikan Mobil dilakukan and Car Loan are made through installment/repaid by
secara bertahap/diangsur oleh debitur sesuai dengan the debtor in accordance with the schedule determined
jadwal yang ditentukan oleh Bank. by the Bank.
Kredit yang diberikan pada awalnya diukur pada nilai Loans are initially measured at fair value plus
wajar ditambah dengan biaya transaksi yang dapat transaction costs that are directly atributable, and
diatribusikan secara langsung, dan selanjutnya diukur subsequently measured at amortized cost using the
pada biaya perolehan diamortisasi menggunakan metode effective interest rate method, less allowance for
suku bunga efektif, dikurangi dengan cadangan kerugian impairment losses. Amortized cost is calculated by
penurunan nilai. Biaya perolehan diamortisasi dihitung taking into account any discount or premium on
dengan memperhitungkan diskonto atau premi pada saat acquisition and transaction costs that are an integral
akuisisi dan biaya transaksi yang merupakan bagian part of effective interest rate. The amortization is
tidak terpisahkan dari suku bunga efektif. Amortisasi recognized in the statement of profit or loss and other
tersebut diakui dalam laporan laba rugi dan penghasilan comprehensive income. Allowance for impairment
komprehensif lain. Penyisihan kerugian penurunan nilai losses is assessed if there is an indication of impairment
diukur bila terdapat indikasi penurunan nilai dengan using the impairment methodology as disclosed in Note
menggunakan metodologi penurunan nilai sebagaimana 2l.
diungkapkan dalam Catatan 2l.
- 31 -
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
l. Kredit yang diberikan (lanjutan) l. Loans (continued)
Kredit sindikasi dicatat sebesar biaya perolehan Syndicated loans are recorded at amortized cost using
diamortisasi dengan menggunakan metode suku bunga the effective interest rate method according to the
efektif sesuai dengan porsi kredit yang risikonya portion of loans in which the risks borned by the Bank.
ditanggung oleh Bank.
Restrukturisasi kredit dilakukan terhadap debitur yang Loan restructuring is performed for debtors who are
mengalami kesulitan untuk memenuhi kewajibannya, facing financial difficulties in fulfilling their
yang dilakukan melalui modifikasi persyaratan kredit obligations, through a modification of the terms of the
seperti penjadwalan kembali angsuran dan bunga yang loan such as rescheduling of installments and unpaid
tertunggak serta perpanjangan jangka waktu kredit dan interest and the extension of credit terms and
ketentuan kredit yang baru. Kerugian yang timbul dari definitions of the new loan. Losses on loan
restrukturisasi kredit yang berkaitan dengan modifikasi restructuring in respect of modification of the terms of
persyaratan kredit diakui bila nilai sekarang dari the loans are recognized only if the present value of
jumlah penerimaan kas yang akan datang yang telah total future cash receipts specified by the new terms of
ditentukan dalam persyaratan kredit yang baru, the loans, including both receipts designated as interest
termasuk penerimaan yang diperuntukkan sebagai and those designated as loan principal, are less than
bunga maupun pokok, adalah lebih kecil dari nilai the carrying amount of loans before restructuring.
pinjaman yang diberikan yang tercatat sebelum
restrukturisasi.
Kredit yang direstrukturisasi disajikan sebesar nilai Restructured loans are stated at the lower of carrying
yang lebih rendah antara nilai tercatat kredit pada value on the date of restructuring or value of the future
tanggal restrukturisasi atau nilai tunai penerimaan kas cash receipts after restructuring. Losses resulting from
masa depan setelah restrukturisasi. Kerugian akibat the difference between the carrying value on the date of
selisih antara nilai tercatat kredit pada tanggal restructuring with value of the future cash receipts after
restrukturisasi dengan nilai tunai penerimaan kas masa restructuring are recognized in the statement of profit
depan setelah restrukturisasi diakui dalam laporan laba or loss and other comprehensive income. After the
rugi dan penghasilan komprehensif lain. Setelah restructuring, all future cash receipts specified by the
restrukturisasi, semua penerimaan kas masa depan new terms are recorded as a return of principal loans
yang ditetapkan dalam persyaratan baru dicatat sebagai and interest income, in accordance with the
pengembalian pokok kredit yang diberikan dan restructuring.
pendapatan bunga sesuai dengan syarat-syarat
restrukturisasi.
Kredit yang diberikan dinyatakan tidak tertagih pada Loans are deemed uncollected when there are no
saat tidak terdapat prospek yang realistis mengenai realistic prospects of future recovery. When loans are
pengembalian di masa datang. Ketika kredit yang deemed uncollected and all collateral have been
diberikan tidak tertagih dan semua jaminan telah realized or have been foreclosed, they are written-off
direalisasi atau sudah diambil alih, kredit yang against the related allowance for impairment losses.
diberikan tersebut dihapus buku dengan menjurnal Those uncollected loan can be written off after all the
balik cadangan kerugian penurunan nilai. Kredit yang necessary procedures have been performed and the
diberikan tersebut dapat dihapus buku setelah semua amount of the loss has been determined.
prosedur yang diperlukan telah dilakukan dan jumlah
kerugian telah ditentukan.
Penerimaan kembali atas pokok kredit yang diberikan Subsequent recoveries of written-off loans are credited
yang telah dihapusbukukan dikreditkan dengan by adjusting the allowance for impairment losses
menyesuaikan akun cadangan kerugian penurunan account. Interest received on loans previously written-
nilai. Penerimaan bunga atas kredit yang telah off are recorded as other operating income. Penalties
dihapusbukukan dicatat sebagai pendapatan received on loans previously written-off are recorded
operasional lainnya. Penerimaan denda atas kredit as non-operating income.
yang telah dihapusbukukan dicatat sebagai pendapatan
non-operasional.
- 32 -
Page 563
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan
i. Pengakuan penurunan nilai aset keuangan i. Recognition of impairment in financial assets
Bank mengakui penyisihan kerugian untuk The Bank recognizes an allowance for possible
kerugian kredit ekspektasian pada aset keuangan losses on expected credit losses on financial assets
yang diukur pada biaya perolehan diamortisasi measured at amortized cost or at fair value through
atau pada nilai wajar melalui penghasilan other comprehensive income, lease receivables,
komprehensif lain, piutang sewa, aset kontrak atau contract assets or loan commitments and financial
komitmen pinjaman dan kontrak jaminan guarantee contracts that impose impairment
keuangan yang menerapkan persyaratan requirements.
penurunan nilai.
Pada setiap tanggal pelaporan, entitas mengukur As of reporting date, an entity shall measure the
penyisihan kerugian instrumen keuangan allowance for possible losses on financial
sejumlah kerugian kredit ekspektasian sepanjang instruments at the amount of expected credit losses
umurnya, jika risiko kredit atas instrumen over their lifetime, if the credit risk on those
keuangan tersebut telah meningkat secara financial instruments has increased significantly
signifikan sejak pengakuan awal. since initial recognition.
Pada setiap tanggal pelaporan entitas menilai As of reporting date the entity assesses whether the
apakah risiko kredit atas instrumen keuangan telah credit risk on a financial instrument has increased
meningkat secara signifikan sejak pengakuan significantly since initial recognition. When making
awal. Ketika melakukan penilaian tersebut, entitas that assessment, an entity considers changes in
mempertimbangkan perubahan risiko gagal bayar default risk that occur over the life of the financial
yang terjadi selama umur instrumen keuangan, instrument, not changes in the amount of expected
bukan perubahan atas jumlah kerugian kredit credit losses. In making that assessment, the entity
ekspektasian. Dalam melakukan penilaian compares the risk of default on a financial
tersebut, entitas membandingkan risiko gagal instrument that occurs at the reporting date with the
bayar instrumen keuangan yang terjadi pada risk of default on initial recognition and considers
tanggal pelaporan dengan risiko gagal bayar pada reasonable and supportable information available
saat pengakuan awal serta mempertimbangkan without undue cost or effort, which is an indication
informasi yang wajar dan terdukung yang tersedia of a significant increase in credit risk since
tanpa biaya atau upaya berlebihan, yang recognition early.
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 cumulative changes in expected credit losses over
ekspektasian sepanjang umurnya sejak pengakuan its lifetime since the initial recognition of the
awal aset keuangan sebagai penyisihan kerugian financial asset as an allowance for losses on
atas aset keuangan yang dibeli atau yang berasal financial assets purchased or resulting from
dari aset keuangan memburuk. deteriorating financial assets.
Pada setiap tanggal pelaporan, entitas mengakui As of reporting date, an entity recognizes in profit
dalam laba rugi jumlah perubahan kerugian kredit or loss the amount of changes in lifetime expected
ekspektasian sepanjang umurnya sebagai credit losses as an impairment gain or loss. An
keuntungan atau kerugian penurunan nilai. Entitas entity shall recognize the amendment of the
mengakui perubahan membaik atas kerugian expected lifetime credit loss as an impairment gain,
kredit ekspektasian sepanjang umurnya sebagai even though the lifetime expected credit loss is less
keuntungan penurunan nilai, meskipun kerugian than the amount of the expected credit loss that was
kredit ekspektasian sepanjang umurnya lebih kecil included in the cash flow estimate at initial
dari jumlah kerugian kredit ekspektasian yang recognition.
termasuk dalam estimasi arus kas pada saat
pengakuan awal.
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Page 564
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
i. Pengakuan penurunan nilai aset keuangan i. Recognition of impairment in financial assets
(lanjutan) (continued)
Jika dalam periode pelaporan sebelumnya bank If in the previous reporting period the bank has
telah mengukur penyisihan kerugian untuk measured allowance for losses for financial
instrumen keuangan sejumlah kerugian kredit instruments for an amount of expected credit losses
ekspektasian sepanjang umurnya, tetapi pada over its lifetime, but at the reporting date of the
tanggal pelaporan periode kini ditentukan bahwa current period it is determined that the credit risk
risiko kredit atas instrumen keuangan tersebut on the financial instrument is no longer fulfilled
tidak lagi terpenuhi (tidak meningkat secara (does not increase significantly), then the bank
signifikan), maka bank mengukur penyisihan measures the allowance for losses in the amount of
kerugian sejumlah kerugian kredit ekspektasian 12 months expected credit loss at the reporting date
12 bulan pada tanggal pelaporan periode kini. of the current period.
Bank mengakui jumlah kerugian kredit The Bank recognizes the amount of the expected
ekspektasian (atau pemulihan kerugian kredit) credit loss (or credit loss recovered) in profit or
dalam laba rugi, sebagai keuntungan atau loss, as an impairment gain or loss. The amount
kerugian penurunan nilai. Jumlah yang referred to is an adjustment to the allowance for
dimaksud merupakan penyesuaian terhadap possible losses on the reporting date where
penyisihan kerugian pada tanggal pelaporan yang recognition is required.
disyaratkan pengakuannya.
Untuk menentukan apakah telah terjadi To determine whether there has been an increase in
peningkatan risiko kredit, bank credit risk, banks consider reasonable and
mempertimbangkan informasi yang wajar dan supported information, including forward-looking
terdukung, termasuk informasi perkiraan masa information.
depan (forward-looking).
Bank mengukur kerugian kredit ekspektasian The Bank measures the expected credit loss on
dari instrumen keuangan dengan suatu cara yang financial instruments in a way that reflects:
mencerminkan:
• Jumlah yang tidak bias dan probabilitas • Unusual and probability-weighted amounts
tertimbang yang ditentukan dengan determined by evaluating a Seriess of
mengevaluasi serangkaian hasil yang probable outcomes, Estimated Expected
kemungkinan dapat terjadi, Estimasi Credit Loss reflects a weighted and unbiased
Kerugian Kredit Ekspektasian probability amount determined by evaluating
mencerminkan jumlah probabilitas the possible range of outputs;
tertimbang dan tidak bisa yang ditentukan
dengan mengevaluasi rentang keluaran yang
mungkin;
• Nilai waktu atas uang-discount rate; dan • The time value of the money-discount rate;
and
• Informasi yang wajar dan terdukung yang • Reasonable and supportable information that
tersedia tanpa biaya atau upaya berlebihan is available without undue cost or effort at the
pada tanggal pelaporan mengenai peristiwa reporting date regarding past events, current
masa lalu,kondisi kini dan perkiraan conditions and forecasts of future economic
kondisi ekonomi masa depan (forward conditions (forward looking).
looking).
Ketika mengukur kerugian kredit ekspektasian, When measuring expected credit losses, the bank
bank tidak harus mengidentifikasi semua skenario does not have to identify all possible scenarios.
yang mungkin. Akan tetapi, bank However, banks consider the risk or probability of
mempertimbangkan risiko atau probabilitas credit loss by reflecting the probability of
terjadinya kerugian kredit dengan mencerminkan occurrence and non-occurrence of credit losses,
probabilitas terjadinya dan tidak terjadinya even though the possibility of credit losses is very
kerugian kredit, meskipun kemungkinan low.
terjadinya kerugian kredit sangat rendah.
- 34 -
Page 565
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
i. Pengakuan penurunan nilai aset keuangan i. Recognition of impairment in financial assets
(lanjutan) (continued)
Periode maksimum yang dipertimbangkan dalam The maximum period considered in measuring
mengukur kerugian kredit ekpektasian adalah expected credit losses is the seasonal contractual
periode kontraktual musiman (termasuk opsi period (including extension options) during which
perpanjangan) selama bank terekspos terhadap the bank is exposed to credit risk. This period does
risiko kredit. Periode tersebut dimaksud tidak not cover a longer period even though the longer
mencakup periode yang lebih panjang meskipun period is consistent with existing business
periode yang lebih panjang tersebut konsisten practices.
dengan praktis bisnis yang ada.
ii. Penurunan nilai aset non-keuangan ii Impairment of non-financial assets
Pada setiap akhir periode pelaporan, Bank menilai The Bank assesses at the end of each reporting
apakah terdapat indikasi suatu aset mengalami period whether there is an indication that an asset
penurunan nilai. Suatu aset mengalami penurunan may be impaired. Assets are considered as impaired
nilai jika nilai tercatat aset lebih besar daripada when the carrying value of assets is exceed the
nilai yang dapat dipulihkan. Nilai tercatat dari aset recoverable amount. The carrying amount of non-
non-keuangan, kecuali aset pajak tangguhan, financial assets, except for deferred tax assets are
ditelaah setiap periode, untuk menentukan apakah reviewed each period to determine whether there is
terdapat indikasi penurunan nilai. Jika terdapat any indication of impairment. If any such indication
indikasi penurunan nilai, maka Bank akan exists the Bank will estimate the asset’s recoverable
melakukan estimasi jumlah nilai yang dapat amount.
dipulihkan aset tersebut.
Jumlah terpulihkan yang ditentukan untuk aset The recoverable amount of an individual assets is
individual adalah jumlah yang lebih tinggi antara the higher of an asset or Cash Generating Unit
nilai wajar aset atau Unit Penghasil Kas (“UPK”) (CGU) less cost to sell and its value in use, unless
dikurangi biaya untuk menjual dengan nilai the asset does not generate cash inflows that are
pakainya, kecuali aset tersebut tidak largerly independent of those from other assets or
menghasilkan arus kas masuk yang sebagian besar Banks of assets. In assessing value in use, the
independen dari aset atau kelompok aset lain. estimated future cash flows are discounted to their
Dalam menghitung nilai pakai, estimasi arus kas present value using a pre-tax discount rate that
masa depan bersih didiskontokan ke nilai kini reflects current market assessment of the time value
dengan menggunakan tingkat diskonto sebelum of money and the risk specific to the assets.
pajak yang menggambarkan penilaian pasar kini
dari nilai waktu uang dan risiko spesifik aset.
Untuk tujuan pengujian penurunan nilai, aset yang For the purpose of impairment testing, assets that
tidak dapat diuji secara individual akan cannot be tested individually are Banked together
digabungkan dengan kelompok yang lebih kecil into the smallest Bank that generates cash inflows
yang memberikan arus kas masuk dari from continuing use that are largely independent of
penggunaan berkelanjutan yang sebagian besar the cash inflows of other assets or CGU.
independen terhadap arus kas masuk atas aset
lainnya atau UPK.
Penyisihan penurunan nilai diakui jika nilai An impairment loss is recognized if the carrying
tercatat dari suatu aset atau UPK melebihi nilai amount of an asset or CGU exceeds its recoverable
yang dapat diperoleh kembali. Penyisihan amount. Impairment losses are recognized in the
penurunan nilai diakui pada laporan laba rugi dan statement of profit or loss and other comprehensive
penghasilan komprehensif lain. income.
- 35 -
Page 566
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
ii. Penurunan nilai aset non-keuangan (lanjutan) ii Impairment of non-financial assets (continued)
Kerugian penurunan nilai atas aset non keuangan Impairment losses of non-financial assets
yang diakui pada periode sebelumnya dinilai recognized in prior period are assessed at each
pada setiap akhir periode pelaporan untuk menilai reporting date for any indications that the losses
apakah terdapat indikasi bahwa rugi penurunan that recognized in prior period has decreased or
nilai yang telah diakui sebelumnya telah menurun no longer exists. An impairment losses is reversed
atau tidak ada lagi. Kerugian penurunan nilai if there has been changes in the estimates used to
dibalik jika terdapat perubahan estimasi yang determine the recoverable amount. The reversal
digunakan untuk menentukan jumlah of an impairment losses limited so that the
terpulihkannya. Pembalikan tersebut dibatasi carrying amount of the asset does not exceed the
sehingga jumlah tercatat aset tidak melebihi recoverable amount and the carrying amount net
jumlah terpulihkannya maupun jumlah tercatat of depreciation and amortization, if there is no
bersih setelah penyusutan atau amortisasi, impairment losses that has been recognized in
seandainya tidak ada kerugian penurunan nilai prior period for the asset. Reversal of impairment
yang telah diakui untuk aset tersebut pada periode loss is recognized in profit or loss. After such a
sebelumnya. Pembalikan rugi penurunan nilai reversal recognized in profit or loss, depreciation
diakui dalam laba rugi. Setelah pembalikan for the asset is adjusted in future period to
tersebut diakui sebagai laba rugi, penyusutan aset allocate the asset’s revised carrying amount, less
tersebut disesuaikan di periode mendatang untuk any residual value, on a systemic basis over the
mengalokasikan jumlah tercatat aset yang remaining useful life.
direvisi, dikurangi nilai sisanya, dengan dasar
yang sistematis selama sisa umur manfaatnya.
iii. Aset keuangan memburuk iii. Credit - impaired financial asset
Aset keuangan mengalami penurunan nilai aset Financial asset is impaired in the value of a
keuangan ketika satu atau lebih peristiwa yang financial asset when one or more events that have
memiliki dampak merugikan atas estimasi arus an adverse effect on the estimated future cash
kas masa depan dari aset keuangan telah terjadi. flows of the financial asset have occurred.
Bukti bahwa aset keuangan mengalami Evidence that a financial asset is impaired by a
penurunan nilai aset keuangan termasuk data financial asset includes observable data about
yang dapat diobservasi mengenai peristiwa the following events:
berikut ini:
• Kesulitan keuangan signifikan yang • Significant financial difficulties
dialami penerbit atau pihak peminjam; experienced by the issuer or borrower;
• Pelanggaran kontrak, seperti peristiwa • Breaches of contract, such as events of
gagal bayar atau peristiwa tunggakan; default or arrears;
• Pihak pemberi pinjaman, untuk alasan • The lender, for economic or contractual
ekonomik atau kontraktual sehubungan reasons in connection with the borrower's
dengan kesulitan keuangan yang dialami financial difficulties, has made concessions
pihak peminjam, telah memberikan konsesi to the borrower that would not have been
pada pihak peminjam yang tidak mungkin possible if the borrower had not
diberikan jika pihak peminjam tidak experienced such difficulties;
mengalami kesulitan tersebut;
• Terjadi kemungkinan bahwa pihak • There is a possibility that the borrower will
peminjam akan dinyatakan pailit atau enter bankruptcy or other financial
melakukan reorganisasi keuangan lainnya; reorganization;
• Hilangnya pasar aktif dari aset keuangan • The disappearance of an active market for
akibat kesulitan keuangan; atau financial assets due to financial difficulties;
or
- 36 -
Page 567
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
iii. Aset keuangan memburuk (lanjutan) iii. Credit - impaired financial asset (continued)
Aset keuangan mengalami penurunan nilai aset Financial asset is impaired in the value of a
keuangan ketika satu atau lebih peristiwa yang financial asset when one or more events that
memiliki dampak merugikan atas estimasi arus have an adverse effect on the estimated future
kas masa depan dari aset keuangan telah terjadi. cash flows of the financial asset have occurred.
Bukti bahwa aset keuangan mengalami Evidence that a financial asset is impaired by a
penurunan nilai aset keuangan termasuk data financial asset includes observable data about
yang dapat diobservasi mengenai peristiwa the following events: (continued)
berikut ini: (lanjutan)
• Pembelian atau penerbitan aset keuangan • Purchase or issue of financial assets at a
dengan diskon sangat besar yang deep discount that reflects the loss of
mencerminkan kerugian aset keuangan financial assets incurred. It is difficult to
yang terjadi. Sulit untuk identify a single discrete event, however,
mengidentifikasikan peristiwa diskrit the combined effect of several events can
tunggal, namun demikian, dampak cause a financial asset to be impaired.
kombinasi dari beberapa peristiwa dapat
menyebabkan aset keuangan mengalami
penurunan nilai aset keuangan.
Untuk aset keuangan yang memburuk pada For financial assets that have deteriorated at the
tanggal pelaporan, tetapi bukan aset keuangan reporting date, but not financial assets that were
yang dibeli atau yang berasal dari aset keuangan purchased or originated from deteriorating
memburuk, entitas mengukur kerugian aset financial assets, an entity shall measure the
keuangan ekspektasian sebesar selisih antara expected financial asset loss as the difference
jumlah tercatat bruto aset dan nilai kini dari arus between the asset's gross carrying amount and
kas masa depan yang diestimasi didiskonto the present value of estimated future cash flows
dengan suku bunga efektif awal aset keuangan. discounted at interest rates effective initial
Penyesuaian diakui di laba rugi sebagai financial assets. The adjustments are recognized
keuntungan atau kerugian penurunan nilai. in profit or loss as an impairment gain or loss.
iv. Pengelompokan kualitas/ stage aset keuangan iv. Financial asset quality/ stage classification
a. Stage 1 a. Stage 1
Mencakup instrument keuangan yang tidak Includes financial instruments that do not
memiliki peningkatan resiko kredit secara have a significant increase in credit risk
signifikan sejak pengakuan awal atau since initial recognition or have a low
memiliki resiko kredit rendah pada tanggal credit risk at the reporting date. For these
pelaporan. Untuk aset-aset ini, akan berlaku assets, a 12 month ECL calculation will
perhitungan ECL 12 bulan. apply.
b. Stage 2 b. Stage 2
Mencakup instrumen keuangan yang Includes financial instruments that
mengalami peningkatan resiko kredit sejak experience an increase in credit risk since
pengakuan awal (kecuali Bank merasa resiko initial recognition (unless the Bank feels the
kredit tergolong rendah pada tanggal credit risk is low at the reporting date) but
pelaporan) namun belum terbukti adanya has not been proven to have an objective
bukti penurunan nilai secara objektif. Untuk evidence of impairment. For these assets,
aset-aset ini, akan berlaku perhitungan ECL lifetime ECL calculations will apply. ECL
seumur hidup. ECL seumur hidup adalah lifetime is the expected credit loss expected
ekspektasi kerugian kredit yang diharapkan from all default events that may occur
dari semua kejadian gagal bayar yang during the estimated life of the financial
mungkin terjadi selama perkiraan umur dari instrument.
instrumen keuangan tersebut.
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Page 568
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
iv. Pengelompokan kualitas/ stage aset keuangan iv. Financial asset quality/ stage classification
(lanjutan) (continued)
c. Stage 3 c. Stage 3
Mencakup instrumen keuangan yang telah Includes financial instruments that have
terbukti mengalami penurunan nilai secara been objectively proven to be impaired at the
objektif pada tanggal pelaporan. Tahap ini reporting date. This stage is usually filled by
biasanya diisi oleh debitur yang mengalami debtors who experience defaults.
gagal bayar.
v. Cross Staging iv. 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
dilakukan worst stage artinya satu debitur akan stage, meaning that one debtor will have the
memiliki stage yang terburuk. worst stage.
Faktor utama dalam menentukan apakah The main factor in determining whether a
instrumen keuangan memerlukan perhitungan financial instrument requires a 12 month ECL
ECL 12 bulan (stage 1) atau ECL seumur hidup (stage 1) or lifetime (stage 2) ECL calculation is
(stage 2) disebut dengan kriteria Significant called the Significant Increase in Credit Risk
Increase in Credit Risk (SICR). Penentuan (SICR) criterion. Determining the SICR criteria
kriteria SICR ini memerlukan pengkajian dan requires reviewing and discussing whether there
diskusi apakah telah terjadi peningkatan resiko has been a significant increase in credit risk at
kredit secara signifikan pada tanggal pelaporan. the reporting date.
Dalam PSAK 109 terdapat sebuah rebuttable In SFAS 109 there is a rebuttable presumption
presumption bahwa resiko kredit terhadap aset that credit risk to financial assets will be
keuangan akan dianggap meningkat secara considered to have increased significantly since
signifikan sejak pengakuan awal jika pembayaran initial recognition if the contractual payment is
kontraktual sudah lebih dari 30 hari telah more than 30 days pay due (DPD). This
menunggak. Asumsi ini akan berlaku kecuali jika assumption will apply unless the Bank can prove,
Bank dapat membuktikan, melalui argumen yang through reasonable arguments and based on
masuk akal dan berdasarkan fakta, bahwa resiko facts, that the risk does not increase significantly
tidak meningkat secara signifikan pada 30 hari at 30 days pay due (DPD). In addition, the
telah menunggak. Selain itu, definisi gagal bayar definition of default in SFAS 109 also mentions
(default) pada PSAK 109 juga menyebutkan the rebuttable presumption that financial assets
praduga (rebuttable presumption) bahwa aset that are 90 days in arrears have defaulted.
keuangan yang sudah menunggak 90 hari telah
gagal bayar.
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Page 569
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
vi. Metode kerugian kredit ekspektasian vi. Expected credit losses method
a. Kredit Ekspektasian 12 bulan a. Expected Credit 12 months
Jika tidak terjadi peningkatan secara If there has been no significant increase
signifikan sejak pengakuan awal. Kerugian since initial recognition. The loss represents
dimaksud merepresentasikan kerugian kredit the expected credit loss arising from a
ekspektasian yang timbul dari peristiwa financial instrument default that may occur
gagal bayar instrumen keuangan yang within 12 months after the reporting date.
mungkin terjadi dalam 12 bulan setelah
tanggal pelaporan.
b. Kredit Ekspektasian Sepanjang Umurnya b. Expected credit throughout its life
Jika risiko kredit atas instrumen keuangan If the credit risk on the financial instrument
tersebut telah meningkat secara signifikan has increased significantly since initial
sejak pengakuan awal-baik dinilai secara recognition - whether assessed individually
individu atau kolektif dengan or collectively - by considering all
mempertimbangkan semua informasi yang reasonable and supportable information,
wajar dan terdukung, termasuk informasi including information that is forward-
yang bersifat perkiraan masa depan looking.
(forward-looking).
vii. Kriteria stage aset keuangan vii. Financial asset stage criteria
a. Stage 1 a. Stage 1
• Umur tunggakan (DPD) = 0 - 30 hari. • Days pay due (DPD) = 0 – 30 days.
• Tidak ada Flagging Restrukturisasi. • No Restructuring Flagging.
• Perhitungan Kerugian kredit • Calculation of expected credit losses
espektasian dengan menggunakan using a 12 month probability of default.
probability of default 12 bulan.
• Pendapatan Bunga diakui selama • Interest income is recognized during
periode kredit yaitu suku bunga efektif the credit period, namely the effective
diperhitungkan dengan jumlah nilai interest rate is calculated by the total
bruto (Effective Interest Rate to Gross gross value (Effective Interest Rate to
Carrying Amount). Gross Carrying Amount).
b. Stage 2 b. Stage 2
• Umur tunggakan (DPD) = 31 - 90 hari. • Days pay due (DPD) = 31 – 90 days.
• Ada Flagging Restrukturisasi • On Restructuring Flagging.
• Perhitungan kerugian kredit espektasian • Calculation of expected credit losses
dengan menggunakan probability of using a probability of default for the
default seumur pinjaman. duration of the loan.
• Pendapatan bunga diakui selama • Interest income is recognized during
periode kredit yaitu suku bunga efektif the credit period, namely the effective
diperhitungkan dengan jumlah nilai interest rate is calculated by the total
bruto (Effective Interest Rate to Gross gross value (Effective Interest Rate to
Carrying Amount). Gross Carrying Amount).
c. Stage 3 c. Stage 3
• Umur tunggakan (DPD) > 90 hari. • Days pay due > 90 days.
• Perhitungan kerugian kredit espektasian • Calculation of expected credit losses
dengan menggunakan probability of using a probability of default for the
default seumur pinjaman. duration of the loan.
• Pendapatan bunga diakui selama • Interest income is recognized during
periode kredit yaitu suku bunga efektif the credit period, namely the effective
diperhitungkan dengan jumlah nilai interest rate is calculated by the net
neto atau biaya diamortisasi (Effective value or amortized cost (Effective
Interest Rate to Net Carrying Amount). Interest Rate to Net Carrying Amount).
- 39 -
Page 570
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
viii. Indikator kualitatif kriteria stage 2 aset viii. Qualitative indicators of Ssage 2 financial
keuangan assets criteria
a. Perubahan persyaratan kredit (keringanan), a. Changes in credit terms (relief), if the credit
dalam hal perjanjian kredit masih berjalan agreement is still running for a short time;
dalam waktu yang singkat;
b. Tidak ada pembayaran angsuran; b. No installment payments;
c. Peningkatan signifikan pada risiko kredit c. Significant increase in credit risk on other
pada instrumen lain dari peminjam yang instruments from the same borrower;
sama;
d. Kebijakan peningkatan monitoring debitur d. Policy to increase debtor monitoring due to
karena peningkatan risiko kredit; increased credit risk;
e. Meningkatnya premi risiko debitur yang e. Increased debtor risk premium due to
disebabkan peningkatan risiko kredit pada increased credit risk on debtors;
debitur;
f. Perubahan faktor eksternal yang merugikan f. Changes in external factors that are
bisnis dan keuangan debitur; detrimental to the debtor's business and
finances;
g. Penurunan rating internal dan eksternal. g. Internal and external downgrades.
ix. Indikator kualitatif kriteria stage 3 aset ix. Qualitative indicators of stage 3 financial assets
keuangan criteria
a. Pelanggaran perjanjian kredit. a. Credit agreement violation
• Tidak dipenuhinya satu atau lebih • Failure of one or more of the terms
syarat-syarat yang diatur dalam stipulated in the credit agreement, such
perjanjian kredit seperti syarat as signing conditions,
penandatanganan, syarat disbursement/withdrawal conditions,
pencairan/penarikan, pelanggaran violation of credit covenants;
terhadap covenant kredit;
• Penyalahgunaan penggunaan kredit; • Abuse of use of credit;
• Adanya masalah hukum dan ekonomi • There are significant legal and
yang signifikan dari debitur; economic problems from the debtors;
• Terdapat sekurang-kurangnya 1 (satu) • There is at least 1 (one) legal problem
permasalahan hukum yang dialami experienced by the debtor, whether
debitur baik yang terkait dengan usaha related to business or legal problems
maupun masalah hukum diluar usaha; outside the business;
• Terdapat permasalahan internal • There are internal family problems, for
keluarga, misalnya perceraian, example divorce, death, prolonged
kematian, sakit yang berkepanjangan, illness, or misuse of funds by members
atau penyalahgunaan dana oleh anggota of the debtor's family.
keluarga debitur.
b. Terdapat kemungkinan bahwa debitur b. There is a possibility that the debtor will be
dinyatakan pailit. declared bankrupt.
• Terdapat hutang macet kepada pihak • There is bad debt to third parties;
ketiga;
• Terdapat sekurang-kurangnya 1 (satu) • There is at least 1 (one) bankruptcy
tuntutan hukum pailit oleh pihak lawsuit by a third party.
ketiga.
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Page 571
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
x. Pengelompokan kredit berdasarkan umur x. Credit Banking based on the age of arrears
tunggakan (deliquency bucket) (deliquency bucket)
Aset keuangan dikelompokan lagi kedalam Financial assets are further classified into
kelompok tunggakan (delinquency buckets) yang delinquency buckets, which represent credit
merepresentasikan kualitas kredit yang terdiri quality, consisting of:
dari :
a. Rating 1, yakni untuk kredit yang tidak a. Rating 1, which is for credits that are not in
memiliki 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 principal and/or interest of up to 30 (thirty)
dengan 30 (tiga puluh) hari; days.
c. Rating 3, yakni untuk kredit yang memiliki c. Rating 3, namely for loans with arrears of
tunggakan pokok dan atau bunga lebih dari principal and/or interest of more than 30
30 (tiga puluh) hari sampai dengan 60 (enam (thirty) days up to 60 (sixty) days;
puluh) hari;
d. Rating 4, yakni untuk kredit yang memiliki d. Rating 4, namely for loans with arrears of
tunggakan pokok dan atau bunga lebih dari principal and/or interest of more than 60
60 (enam puluh) hari sampai dengan 90 (sixty) days up to 90 (ninety) days;
(sembilan 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 principal and/or interest of more than 90
90 (sembilan puluh) hari. (ninety) days.
xi. Teknik evaluasi kerugian kredit ekspektasian xi. Technique for evaluating expected credit losses
Teknik dalam mengevaluasi Kerugian Kredit Techniques in evaluating Expected Credit Losses
Ekspektasian menggunakan metode Migration use the Migration Analysis method, using a
Analysis, dengan menggunakan pendekatan statistical approach from credit historical data
statistik dari data historis kredit berdasarkan based on segmentation:
segmentasi :
a. Bank wide; a. Bank wide;
b. Sektor Ekonomi; b. Economic Sector;
c. Rating (stage); c. Stage;
d. Produk kredit. d. 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,
besarnya Kerugian Kredit Ekspektasian, maka the formation of Allowance for Impairment
pembentukan Cadangan Kerugian Penurunan Losses includes:
Nilai 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.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
m. Penurunan nilai aset keuangan dan aset non- m. Impairment of financial and non-financial assets
keuangan (lanjutan) (continued)
xi. Teknik evaluasi kerugian kredit ekspektasian xi. Technique for evaluating expected credit losses
(lanjutan) (continued)
Bank menggunakan 3 (tiga) skenario kondisi The Bank uses 3 (three) different economic
ekonomi yang berbeda atas perhitungan ECL condition scenarios for the ECL calculation
yang dilakukan secara kolektif. Tiga skenario which is carried out collectively. Three scenarios
kondisi ekonomi yang ditetapkan Bank terdiri of economic conditions determined by the Bank
dari kondisi umum (Business As Usual), kondisi consist of general conditions (Business As
baik (Upturn Atau Good Scenario), dan kondisi Usual), good conditions (Upturn or Good
buruk (Downturn Atau Bad Scenario). Dalam Scenarios), and bad conditions (Downturn or
prakteknya, diasumsikan setiap kondisi umum, Bad Scenarios). In practice, it is assumed that
kondisi baik, dan kondisi buruk terjadi dengan every general condition, good condition, and bad
probabilitas (bobot) tertentu. Penentuan condition occurs with a certain probability
probabilitas ini dilakukan dengan pertimbangan (weight). Determination of this probability is
tertentu, Bank menetapkan probabilitas masing- carried out with certain considerations, the Bank
masing skenario antara lain kondisi umum 70%, determines the probability of each scenario,
kondisi baik 15%, dan kondisi buruk 15%. including 70% general conditions, 15% good
conditions, and 15% bad conditions.
Kriteria Pencadangan Penurunan Nilai Secara The criteria for Individual Allowance for
Individual yang dihitung secara individual oleh Impairment that is calculated individually by the
Bank adalah debitur dengan nilai outstanding Bank are debtors with an outstanding value of
lebih dari Rp20.000.000.000 dan telah more than Rp20,000,000,000 and have been in
menunggak selama lebih dari 90 hari. Metode arrears for more than 90 days. The method of
pencadangan penurunan nilai secara individual allowance for impairment individually for
untuk debitur yang memenuhi kriteria tersebut debtors who meet these criteria can be done in 2
dapat dilakukan melalui 2 (dua) cara sebagai (two) ways as follows:
berikut:
• Discounted Cash Flow (DCF) • Discounted Cash Flow (DCF)
Metode DCF digunakan apabila usaha atau • The DCF method is used when the debtor's
proyek debitur masih beroperasi dan/atau business or project is still operating and/or
debitur masih memiliki arus kas yang dapat the debtor still has cash flow that can be
digunakan sebagai sumber pembayaran used as a source of loan payments.
pinjaman. Perhitungan menggunakan DCF Calculations using DCF are made based
dilakukan berdasarkan selisih antara nilai on the difference between the carrying
tercatat kredit dan nilai kini dari estimasi amount of the credit and the present value
arus kas masa datang yang didiskonto of the estimated discounted cash flow using
(discounted cash flow) menggunakan suku the effective interest rate.
bunga efektif.
• Fair Value of Collateral (FVC) • Fair Value of Collateral (FVC)
Metode FVC digunakan apabila debitur • The FVC method is used when the debtor
tidak memiliki sumber pembayaran has no other source of loan payments other
pinjaman lain selain dari penjualan aset than the sale of the collateral asset. The
jaminan. Perhitungan nilai kini dari estimasi calculation of the present value of
arus kas masa depan atas aset/ pinjaman estimated future cash flows on pledged
keuangan yang dijaminkan merefleksikan financial assets/loans reflects the cash
arus kas yang mungkin dihasilkan dari flows that may result from selling the
penjualan aset yang dijaminkan dikurangi pledged asset less costs to acquire and sell
biaya untuk memperoleh dan menjual aset the collateralized asset. The calculation of
jaminan tersebut. Perhitungan nilai kini atas the present value of collateral
pencairan jaminan dilakukan dengan disbursement is carried out using the
menggunakan original effective interest rate original effective interest rate (OEIR) or
(OEIR) atau nilai effective interest rate the last effective interest rate (EIR) if the
(EIR) terakhir apabila EIR yang ditetapkan specified EIR is floating, which is then
adalah floating, yang kemudian discounted to the calculation or reporting
didiskontokan ke tanggal perhitungan atau date. Allowance for impairment using the
pelaporan. Pencadangan penurunan nilai FVC method is calculated based on the
menggunakan metode FVC dihitung difference between the net present value
berdasarkan selisih antara nilai kini bersih (NPV) of the sale of the pledged asset and
(NPV) dari penjualan aset yang dijaminkan the value of the asset (credit granted).
dan nilai aset (kredit yang diberikan).
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
n. Pernyataan saham n. Investments in shares of stock
Penyertaan saham merupakan investasi jangka panjang Investments in shares of stock are long-term
pada perusahaan non-publik. investments in non-public companies.
Penyertaan dalam bentuk saham dengan kepemilikan Investments in shares with ownership interest of less
kurang dari 20% yang nilai wajarnya tidak tersedia dan than 20% that do not have readily determinable fair
dimaksudkan untuk penyertaan jangka panjang values and are intended for long-term investments are
dinyatakan sebesar biaya perolehan (metode biaya). Bila stated at cost (cost method). The carrying amount of
terjadi penurunan nilai yang bersifat permanen, nilai the investments is written down to recognize a
tercatatnya dikurangi untuk mengakui penurunan permanent decline in value of the individual
tersebut yang ditentukan untuk setiap investasi secara investments and such loss is charged directly to the
individu dan kerugiannya dibebankan pada laporan laba current year statement of profit or loss and other
rugi dan penghasilan komprehensif lain tahun berjalan. comprehensive income.
Penyisihan kerugian penurunan nilai dan Allowance for impairment losses and
kenaikan/penurunan nilai wajar disajikan sebagai increases/decreases in fair value are presented as
penambahan/pengurangan terhadap saldo penyertaan additions/deductions from the outstanding balance of
saham. investment in share of stock.
o. Tagihan dan liabilitas akseptasi o. Acceptance receivables and payables
Dalam kegiatan bisnis biasa, Bank memberikan jaminan In the ordinary course of business, the Bank provides
keuangan, seperti letters of credit, bank garansi dan financial guarantees, consisting of letters of credit,
akseptasi. bank guarantees and acceptances.
Tagihan akseptasi diukur pada biaya perolehan Acceptance receivables are measured at amortized
diamortisasi menggunakan metode suku bunga efektif, cost using the effective interest rate method, less
dikurangi oleh penyisihan kerugian penurunan nilai. allowance for impairment losses. Acceptance payables
Liabilitas akseptasi diukur pada biaya perolehan are measured at amortized cost by using the effective
diamortisasi menggunakan metode suku bunga efektif. interest rate method.
Penyisihan kerugian penurunan nilai dilakukan bila Allowance for impairment losses is calculated if there
terdapat indikasi penurunan nilai dengan menggunakan is an objective evidence of impairment by using the
metodologi penurunan nilai sebagaimana diungkapkan impairment methodology as disclosed in Note 2l.
dalam Catatan 2l.
p. Aset tetap p. Fixed assets
Aset tetap awalnya diakui sebesar biaya perolehan, yang Fixed assets are initially recognized at cost, which
terdiri atas harga perolehan dan biaya-biaya tambahan comprises its price and any costs directly attributable
yang dapat diatribusikan langsung untuk membawa aset to bringing the asset to the location and condition
ke lokasi dan kondisi yang diinginkan supaya aset necessary for it to be capable of operating in the
tersebut siap digunakan sesuai dengan maksud manner intended by management.
manajemen.
Setelah pengakuan awal, aset tetap kecuali hak atas Subsequent to initial recognition, fixed assets, except
tanah, dinyatakan pada biaya perolehan dikurangi for land rights, are stated at cost less accumulated
akumulasi penyusutan dan akumulasi rugi penurunan depreciation and accumulated impairment losses, if
nilai, jika ada. any.
Aset tetap dinyatakan sebesar nilai wajar pada tanggal Fixed assets are stated at fair value at the revaluation
revaluasi yang merupakan nilai wajar pada tanggal date which is represent fair value at the date of
revaluasi (model revaluasi-kuasi reorganisasi sejak revaluation(revaluation model-quasi reorganization
tanggal 30 Juni 2012) dikurangi akumulasi penyusutan as of June 30, 2012) less accumulated depreciation
dan rugi penurunan nilai, jika ada. and impairment losses, if any.
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Page 574
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
p. Aset tetap (lanjutan) p. Fixed assets (continued)
Sejak tanggal 1 Januari 2016, hak atas tanah dan Since January 1, 2016, land rights and buildings are
bangunan dinyatakan sebesar nilai revaluasi yang stated at revalued amount which is the fair value at the
merupakan nilai wajar pada tanggal revaluasi dikurangi date of revaluation less accumulated depreciation for
akumulasi penyusutan untuk bangunan dan rugi buildings and impairment losses, if any. The valuation
penurunan nilai, jika ada. Penilaian terhadap hak atas of land rights and buildings are performed by external
tanah dan bangunan dilakukan oleh penilai independen independent valuers who have professional
eksternal yang memiliki kualifikasi profesional. qualifications. Revaluation is performed with sufficient
Revaluasi dilakukan dengan keteraturan yang cukup regularity to ensure that the carrying amount of the
reguler untuk memastikan bahwa nilai tercatat aset yang revaluation does not differ materially from its fair value
direvaluasi tidak berbeda secara material dengan nilai at the reporting date. Any accumulated depreciation are
wajarnya pada tanggal pelaporan. Akumulasi penyusutan eliminated against the gross carrying amount of assets
dieliminasi terhadap nilai tercatat bruto dari aset yang revalued at the date of revaluation.
direvaluasi pada tanggal revaluasi.
Penyusutan atas nilai revaluasi aset tetap dibebankan ke Depreciation on revaluation value of fixed assets are
laporan laba rugi dan penghasilan komprehensif lain. Bila charged to profit or loss and other comprehensive
kemudian aset tetap yang telah direvaluasi dijual atau income. If then the revalued fixed asset is sold or
dihentikan penggunaannya, saldo surplus revaluasi tersisa retired, the revaluation surplus is transferred directly to
dipindahkan langsung ke saldo laba. retained earnings.
Penyusutan aset tetap dimulai pada saat aset tetap tersebut Depreciation starts when fixed asset is ready for use as
siap untuk digunakan sesuai maksud penggunaannya. intended use. The fixed assets, except land rights which
Aset tetap, kecuali hak atas tanah yang tidak disusutkan, are not depreciated, are depreciated using the double-
disusutkan dengan menggunakan saldo menurun ganda declining balance method, while buildings are
(double-declining balance method), sedangkan bangunan depreciated using the straight-line method.
disusutkan dengan menggunakan metode garis lurus Depreciation rates and estimated useful life of the assets
(straight-line method). Tarif penyusutan dan estimasi are as follows:
umur manfaat ekonomis aset tetap adalah sebagai berikut:
Umur manfaat (tahun)/
Tarif/Rate Useful life (year)
Bangunan 5% - 10% 10 - 20 Buildings
Inventaris kantor 10% - 50% 4-8 Officee equipment
Instalasi 10% - 50% 4-8 Instalations
Hak atas tanah dicatat sebesar nilai revaluasi yang Land rights is stated at revalued amount which
mencerminkan nilai wajar pada tanggal revaluasi dan represents fair value at the revaluation date and is not
tidak disusutkan. Biaya pengurusan legal hak atas tanah depreciated. Initial legal costs incurred to obtain legal
ketika tanah diperoleh pertama kali diakui sebagai rights are recognized as part of the acquisition cost of
bagian dari biaya akuisisi hak atas tanah pada akun “Aset the land rights in “Fixed Assets” account and these costs
Tetap” dan biaya-biaya tersebut tidak disusutkan. Biaya are not depreciated. Costs related to renewal of land
pengurusan perpanjangan atau pembaruan legal hak atas rights are recognized as intangible assets and amortized
tanah diakui sebagai aset takberwujud dan diamortisasi during the period of the land rights or economic life,
sepanjang umur hukum hak atau umur ekonomi tanah, whichever is shorter.
mana yang lebih pendek.
Jumlah tercatat aset tetap dihentikan pengakuannya pada An item of fixed assets is derecognized upon disposal or
saat dilepaskan atau saat 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 disposal proceeds and the carrying
perbedaan antara jumlah bersih hasil pelepasan dan amount of the asset) is included in profit or loss in the
jumlah tercatat dari aset) dikreditkan atau dibebankan period the asset is derecognized.
pada operasi periode aset tersebut dihentikan
pengakuannya.
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Page 575
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
p. Aset tetap (lanjutan) p. Fixed assets (continued)
Beban pemeliharaan dan perbaikan dibebankan pada Repairs and maintenance are taken to profit or loss
operasi pada saat terjadinya. Beban pemugaran dan when incurred. The cost of major renovation and
penambahan dalam jumlah besar dikapitalisasi kepada restoration is included in the carrying amount of the
jumlah tercatat aset tetap terkait bila besar kemungkinan related fixed assets when it is probable that future
bagi Bank manfaat ekonomis masa depan menjadi lebih economic benefits in excess of the originally assessed
besar dari standar kinerja awal yang ditetapkan standard performance of the existing asset will flow to
sebelumnya dan disusutkan sepanjang sisa masa manfaat the Bank and is depreciated over the remaining useful
ekonomis aset tetap terkait lives of the related fixed assets.
Penilaian aset tetap dilakukan atas penurunan dan The carrying amounts of fixed assets are reviewed for
kemungkinan penurunan nilai wajar aset jika terjadi impairment when events or changes in circumstances
peristiwa atau perubahan keadaan yang indicate that the carrying values may not be fully
mengindikasikan bahwa nilai tercatat mungkin tidak recoverable.
dapat seluruhnya terealisasi.
Apabila nilai tercatat aset tetap lebih besar daripada nilai When the carrying amount of fixed assets is greater
yang dapat diperoleh kembali, nilai tercatat aset tetap than its estimated recoverable amount, it is written
tersebut diturunkan menjadi sebesar nilai yang dapat down to its recoverable amount which is determined
diperoleh kembali, yang ditentukan sebagai nilai at the higher of net selling price or value in use.
tertinggi antara harga jual bersih dan nilai pakai.
Nilai residu dari aset tetap adalah estimasi jumlah yang The residual value of a fixed asset is the estimated
dapat diperoleh Bank saat ini dari pelepasan aset tetap, amount that can be acquired by the Company at this
setelah dikurangi estimasi biaya pelepasan, jika aset time of disposal of fixed assets, net of estimated costs
tetap telah mencapai umur dan kondisi yang of disposal, if the fixed asset has reached the age and
diperkirakan pada akhir umur manfaat ekonomisnya. condition expected at the end of its useful life.
Pada setiap akhir periode pelaporan, nilai residu, The assets residual values, useful lives and methods of
manfaat ekonomis dan metode penyusutan dievaluasi, depreciation are evaluated, and adjusted
dan disesuaikan secara prospektif, jika memenuhi prospectively, if appropriate, at the end of each
kondisi tersebut. reporting period.
q. Aset takberwujud q. Intangible assets
Aset takberwujud yang diperoleh secara terpisah diukur Intangible asset which acquired separately is
sebesar nilai perolehan pada pengakuan awal. Setelah measured at cost on initial recognition. After initial
pengakuan awal, aset takberwujud dicatat pada biaya recognition, intangible asset is recorded at cost less
perolehan dikurangi akumulasi amortisasi dan accumulated amortization and accumulated
akumulasi rugi penurunan nilai, jika ada. Aset impairment losses, if any. Intangible asset with finite
takberwujud dengan umur manfaat terbatas diamortisasi useful life is amortized on a straight-line basis over its
secara garis lurus selama umur manfaat ekonomisnya economic useful life and evaluated for impairment
dan dievaluasi apabila terdapat indikasi adanya whenever there is an indication that it may be
penurunan nilai. impaired.
Aset takberwujud dihentikan pengakuannya pada saat: An intangible asset shall be derecognized when:
a) dijual; atau a) on disposal; or
b) ketika tidak ada manfaat ekonomis di masa depan b) when no future economic benefits are expected
yang dapat diharapkan dari penggunaan atau from its use or disposal.
penjualan aset tersebut.
Aset takberwujud yang dimiliki oleh Bank berupa Intangible asset held by the Bank is software.
perangkat lunak. Aset takberwujud diakui jika, dan Intangible asset is recognized if, and only if, the
hanya jika, biaya perolehan aset tersebut dapat diukur acquistion cost can be measured reliably and is
secara andal dan kemungkinan besar Bank akan probable that expected future benefits that are
memperoleh manfaat ekonomis masa depan dari aset attributable to it will flow to the Bank.
tersebut.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
q. Aset takberwujud (lanjutan) q. Intangible assets (continued)
Perangkat lunak yang bukan merupakan bagian integral Software which is not an integral part of a related
dari perangkat keras yang terkait dicatat sebagai aset hardware is recorded as intangible asset and stated at
takberwujud dan dinyatakan sebesar nilai tercatat, yaitu carrying amount, which is cost less accumulated
sebesar harga perolehan dikurangi dengan akumulasi amortization.
amortisasi.
Biaya perolehan perangkat lunak terdiri dari seluruh The cost of software consists of all expenses directly
pengeluaran yang dapat dikaitkan langsung dalam attributable to the preparation of such software, until
persiapan perangkat lunak tersebut sehingga siap it is ready to be used for its intended purpose.
digunakan sesuai dengan tujuannya.
Pengeluaran setelah perolehan perangkat lunak dapat Subsequent expenditure on software acquisition is
ditambahkan pada biaya perolehan perangkat lunak atau capitalized to the value of software only when it
dikapitalisasi sebagai perangkat lunak hanya jika increases the future economic benefits of the software,
pengeluaran tersebut menambah manfaat ekonomis so that it becomes larger than originally expected
masa depan dari perangkat lunak yang bersangkutan performance standards. Expenditure with no addition
sehingga menjadi lebih besar dari standar kinerja yang of future economic benefits from the software is
diperkirakan semula. Pengeluaran yang tidak menambah directly recognized as expenses when incurred.
manfaat ekonomis masa depan dari perangkat lunak
diakui sebagai beban pada saat terjadinya.
Perangkat lunak dengan umur terbatas diamortisasi Software with a finite useful life is amortized using the
dengan menggunakan metode garis lurus selama straight-line method over the estimated useful life of
estimasi umur manfaat ekonomis yaitu 10 (sepuluh) 10 (ten) years and amortization rate of 10%.
tahun dan tarif amortisasi sebesar 10%.
Amortisasi perangkat lunak diakui dalam laporan laba Amortization is recognized in the statement of profit
rugi dan penghasilan komprehensif lain, sejak tanggal or loss and other comprehensive income from the date
perangkat lunak tersebut tersedia untuk digunakan that is available for use until the economic benefits of
sampai berakhirnya umur manfaat ekonomis dari software is ended.
perangkat lunak tersebut.
Pada setiap periode pelaporan, umur manfaat ekonomis The assets residual values, useful lives and methods of
dan metode amortisasi dievaluasi, dan disesuaikan amortization are evaluated, and adjusted
secara prospektif, jika diperlukan. prospectively, if appropriate, at the end of each
reporting period.
r. Biaya dibayar dimuka dan aset lain-lain r. Prepaid expenses and other assets
Biaya dibayar di muka diamortisasi selama masa Prepaid expenses are amortized over their beneficial
manfaat masing-masing biaya dengan menggunakan period using the straight-line method.
metode garis lurus.
Aset lain-lain disajikan sebesar nilai tercatat, yaitu harga Other assets are stated at carrying amount, which is
perolehan setelah dikurangi dengan akumulasi cost less accumulated amortization and impairment
amortisasi dan penurunan nilai, jika ada. losses, if any.
Aset dalam pengembangan dinyatakan sebesar biaya and presented as part of fixed assets. The accumulated
perolehan dan disajikan sebagai bagian dari aset tetap. costs are reclassified to the appropriate fixed assets
Akumulasi biaya perolehan aset dalam pengembangan and intangible assets account at the time the assets
dipindahkan ke aset tetap dan aset takberwujud pada saat have been fully developed and ready for their intended
aset tersebut telah selesai dikembangkan dan siap use. Assets under development are not depreciated as
digunakan sesuai dengan tujuannya. Aset dalam these are not yet available for use.
pengembangan tidak disusutkan karena belum tersedia
untuk digunakan.
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Page 577
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
s. Agunan yang diambil alih s. Foreclosed assets
Pada saat pengakuan awal, agunan yang diambil alih Foreclosed assets acquired in conjunction with
sehubungan dengan penyelesaian kredit dicatat sebesar settlement of loans are initially recorded at their fair
nilai wajar setelah dikurangi biaya untuk menjualnya value less costs to sell but not to exceed the carrying
tetapi tidak melebihi nilai tercatat kredit yang value of loans. The Bank does not recognize any gains
diberikan. Bank tidak mengakui keuntungan pada saat when the Bank foreclosed an asset. The excess between
pengambilalihan agunan. Selisih lebih antara saldo the uncollectible credit balance and the net realizable
kredit yang tidak dapat ditagih dengan nilai bersih value of the collateral is charged to allowance for
agunan yang diambil alih yang dapat direalisasikan losses. Subsequent to initial recognition, foreclosed
dibebankan pada penyisihan kerugian. Setelah assets are recorded at carrying amount or at fair value
pengakuan awal, agunan yang diambil alih dicatat less costs to sell, whichever is lower. The excess
sebesar nilai yang lebih rendah antara nilai tercatat between the carrying value and fair value less costs to
dengan nilai wajar setelah dikurangi biaya untuk sell is recognized as impairment losses in the current
menjualnya. Selisih lebih antara nilai tercatat dengan year profit or loss.
nilai wajar agunan yang diambil alih setelah dikurangi
biaya untuk menjualnya diakui sebagai kerugian
penurunan nilai dalam laba rugi tahun berjalan.
Selisih antara nilai agunan yang diambil alih dan hasil The difference between the carrying value of the
penjualannya diakui sebagai keuntungan atau kerugian foreclosed assets and the proceed from the sale of
pada saat penjualan. foreclosed assets is recognized as gain or loss at the
time of sale.
Agunan yang diambil alih tidak disusutkan Foreclosed assets do not depreciated and expenses for
dan beban-beban yang berkaitan dengan pemeliharaan maintaining foreclosed assets are charged in the
agunan yang diambil alih dibebankan pada laporan laba current year statement of profit or loss and other
rugi dan penghasilan komprehensif lain pada saat comprehensive income as incurred.
terjadinya.
Manajemen mengevaluasi nilai agunan yang diambil Management evaluates the value of foreclosed assets
alih secara berkala. Penyisihan kerugian penurunan nilai periodically. An allowance for impairment losses of
agunan yang diambil alih dibentuk berdasarkan foreclosed assets is provided based on the decline in
penurunan nilai agunan yang diambil alih. value of foreclosed assets.
t. Liabilitas segera t. Obligations due immediately
Liabilitas segera merupakan liabilitas Bank yang harus Obligations due immediately represent obligations to
segera dibayarkan kepada pihak lain berdasarkan third parties based on contract or order by those having
kontrak atau perintah dari pihak yang mempunyai authority that have to be settled immediately.
kewenangan untuk itu. Liabilitas segera diukur sebesar Obligations due immediately are measured at
biaya perolehan diamortisasi dengan menggunakan amortized cost using effective interest rate method.
metode suku bunga efektif.
u. Simpanan nasabah u. Deposits from customers
Giro merupakan simpanan nasabah yang dapat Demand deposits represent customer funds which can
digunakan sebagai alat pembayaran dan penarikannya be used as payment instruments, and can be withdrawn
dapat dilakukan setiap saat melalui cek atau at any time through cheque, or transferred through
pemindahbukuan dengan bilyet giro dan sarana perintah current account drafts and other transfer instruction
pembayaran lainnya. Giro dinyatakan sebesar nilai media. Demand deposits are stated at the amounts
titipan pemegang giro di Bank. entrusted to the Bank by the depositors.
Tabungan merupakan simpanan nasabah yang Savings deposits represent customer funds which can
penarikannya hanya dapat dilakukan nasabah sesuai be withdrawn by the depositors only under certain
dengan persyaratan tertentu yang disepakati. Tabungan conditions. Savings deposits are stated at the agreed
dinyatakan sebesar nilai kewajiban pada pemilik amounts due to the depositors.
tabungan.
- 47 -
Page 578
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
u. Simpanan nasabah (lanjutan) u. Deposits from customers (continued)
Deposito berjangka merupakan simpanan nasabah yang Time deposits represent customer funds which can be
penarikannya hanya dapat dilakukan nasabah pada withdrawn by the depositors only on specific maturity
waktu tertentu sesuai dengan perjanjian antara dates based on the agreements between the depositors
pemegang deposito berjangka dengan Bank. Deposito and the Bank. Time deposits are stated at the
berjangka dinyatakan sebesar nilai nominal yang nominal amounts stated in the certificates issued by
tercantum dalam sertifikat yang diterbitkan oleh Bank, the Bank in accordance with the agreements between
sesuai dengan perjanjian antara pemegang deposito the depositors and the Bank.
berjangka dengan Bank.
Simpanan nasabah diklasifikasikan sebagai liabilitas Deposits from customers are classified as liabilities
yang diukur pada biaya perolehan diamortisasi, pada measured at amortized cost are initially recognized at
saat pengakuan awal diakui pada nilai wajar ditambah fair value plus directly attributable transaction costs,
biaya transaksi yang dapat diatribusikan secara if any, and subsequently measured at amortized cost
langsung, jika ada, dan selanjutnya diukur pada biaya using the effective interest rate method.
perolehan diamortisasi dengan menggunakan metode
suku bunga efektif.
v. Simpanan dari bank lain v. Deposits from others bank
Simpanan dari bank lain terdiri dari liabilitas terhadap Deposits from other banks represent liabilities to
bank dalam negeri, dalam bentuk interbank call money domestic banks, in the form of interbank call money
yang jatuh tempo menurut perjanjian tidak melebihi with original maturities less than 90 (ninety) days,
dari 90 (sembilan puluh) hari, giro, deposito berjangka demand deposits, time deposits and on call deposits.
dan deposito on call.
Simpanan dari bank lain diklasifikasikan sebagai Deposits from other banks are classified as liabilities
liabilitas yang diukur pada biaya perolehan measured at amortized cost, which are initially
diamortisasi, yang diakui pada nilai wajar ditambah recognized at fair value plus directly attributable
biaya transaksi yang dapat diatribusikan secara transaction costs, if any, and subsequently are
langsung, jika ada, dan selanjutnya diukur pada biaya measured at amortized cost using the effective interest
perolehan diamortisasi dengan menggunakan metode rate method.
suku bunga efektif.
w. Efek yang dijual dengan janji dibeli kembali w. Securities sold under repurchase agreements
wEfek yang dijual dengan janji dibeli kembali (repo) Securities sold under repurchase agreements (repo)
diklasifikasikan dalam kategori liabililtas keuangan are classified as financial liabilities at amortized
diukur pada biaya perolehan diamortisasi. costs.
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase agreements (repo)
(repo) disajikan sebagai liabilitas sebesar harga are presented as liabilities and stated at the agreed
pembelian kembali yang disepakati dikurangi selisih repurchase price less the difference between the
antara harga jual dan harga pembelian kembali yang selling price and agreed repurchase price. The
disepakati. Selisih antara harga jual dan harga difference between the selling price and agreed
pembelian kembali yang disepakati tersebut repurchase price is amortized using effective interest
diamortisasi dengan menggunakan metode suku method as interest expense over the year commencing
bunga efektif sebagai beban bunga selama jangka from the selling date to the repurchase date.
waktu sejak efek-efek tersebut dijual hingga saat
dibeli kembali.
x. Pinjaman subordinasi x. Subordinated loan
Pinjaman subordinasi diakui sebesar nilai wajarnya Subordinated loan is initially recognized at fair value
pada awalnya dan selanjutnya diukur sebesar biaya and subsequently measured at amortized cost using
perolehan diamortisasi dengan menggunakan metode the effective interest rate method.
suku bunga efektif.
Biaya perolehan diamortisasi dihitung dengan Amortized cost is calculated by taking into account
memperhitungkan adanya diskonto atau premi terkait any discount or premium on subordinated loan and
dengan pengakuan awal pinjaman subordinasi dan transaction costs that are an integral part of the
biaya transaksi yang merupakan bagian yang tidak effective interest rate.
terpisahkan dari suku bunga efektif.
- 48 -
Page 579
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
y. Pendapatan dan beban bunga y. Interest income and expenses
Pendapatan dan beban bunga untuk semua instrumen Interest income and expense for all interest-bearing
keuangan yang dikenakan suku bunga diakui pada financial instruments are recognized in the statement
laporan laba rugi dan penghasilan komprehensif lain of profit or loss and other comprehensive income
dengan menggunakan metode suku bunga efektif. Suku using the effective interest rate method. The effective
bunga efektif adalah suku bunga yang secara tepat interest rate is the rate that exactly discounts the
mendiskontokan estimasi pembayaran atau penerimaan estimated future cash payments or receipts over the
kas di masa datang selama perkiraan umur dari aset expected life of the financial instrument (or, where
keuangan atau liabilitas keuangan (atau, jika lebih appropriate, a shorter period) to obtain the carrying
tepat, digunakan periode yang lebih singkat) untuk amount of the financial asset or financial liability.
memperoleh nilai tercatat bersih dari aset keuangan
atau liabilitas keuangan.
Pada saat menghitung suku bunga efektif, Bank When calculating the effective interest rate, the Bank
mengestimasi arus kas di masa datang dengan estimates future cash flows considering all
mempertimbangkan seluruh persyaratan kontraktual contractual terms of the financial instrument but not
dalam instrumen keuangan tersebut, tetapi tidak future credit losses. This calculation includes all
mempertimbangkan kerugian kredit di masa commissions, fees, and other forms received by the
mendatang. Perhitungan ini mencakup seluruh komisi, parties in the contract that are an integral part of the
provisi dan bentuk lain yang diterima oleh para pihak effective interest rate, transaction costs and all other
dalam kontrak yang merupakan bagian tak terpisahkan premiums or discounts.
dari suku bunga efektif, biaya transaksi dan seluruh
premi atau diskon lainnya.
Pendapatan dan beban bunga yang disajikan di dalam Interest income and expenses presented in the
laporan laba rugi dan penghasilan komprehensif lain statement of profit or loss and other comprehensive
meliputi: income include:
• Bunga atas aset keuangan dan liabilitas keuangan • Interest on financial assets and liabilities at
yang dicatat pada biaya perolehan diamortisasi amortized cost calculated on an effective interest
yang dihitung dengan menggunakan metode suku basis.
bunga efektif.
• Bunga atas nilai wajar melalui penghasilan • Interest on fair value through other
komprehensif lain yang dihitung dengan comprehensive income calculated on an effective
menggunakan metode suku bunga efektif. interest basis.
z. Pendapatan dan beban provisi dan komisi z. Fees and commissions income and expense
Pendapatan provisi dan komisi yang berkaitan langsung Fees and commissions income which directly related
dengan kegiatan pemberian kredit, atau pendapatan to lending activities, or fees and commissions related
provisi dan komisi yang berhubungan dengan jangka to a specific period, are amortized over the term of the
waktu tertentu, diamortisasi sesuai dengan jangka contract using the effective interest rate and classified
waktu kontrak menggunakan suku bunga efektif dan as part of interest income on the statement of profit or
diklasifikasikan sebagai bagian dari pendapatan bunga loss and other comprehensive income.
pada laporan laba rugi dan penghasilan komprehensif
lain.
Pendapatan provisi dan komisi yang tidak berkaitan Fees and commissions income which are not related
dengan kegiatan pemberian kredit atau suatu jangka to lending activities or a specific period are
waktu dan/atau terkait dengan pemberian suatu jasa, recognized as revenues on the transaction date as
diakui sebagai pendapatan pada saat terjadinya other operating income.
transaksi dan dicatat pada akun pendapatan operasional
lainnya.
Beban provisi dan komisi lainnya terutama terkait Other fees and commission expense relate mainly to
dengan provisi atas transaksi dan jasa, diakui sebagai transaction and service fees, which are expensed as
beban pada saat jasa tersebut diterima. the services are received.
- 49 -
Page 580
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
aa. Pendapatan dan beban operasional lainnya aa. Other operating income and expenses
Seluruh pendapatan dan beban operasional lainnya All other operating income and expenses are charged
dibebankan pada laporan laba rugi dan penghasilan to the statement of profit or loss and other
komprehensif lain pada saat terjadinya. comprehensive income as incurred.
ab. Perpajakan ab. Taxation
Beban pajak penghasilan terdiri dari pajak penghasilan The income tax expense is comprised of current and
kini dan pajak penghasilan tangguhan. Pajak tersebut deferred income tax. Tax is recognized in the
diakui dalam laporan laba rugi, kecuali apabila pajak statement of profit or loss, except to the extent that it
tersebut terkait dengan transaksi atau kejadian yang relates to items recognized directly in equity or other
langsung diakui ke ekuitas atau penghasilan comprehensive income. In this case, the tax is also
komprehensif lain. Dalam hal ini, pajak tersebut diakui recognized directly in equity or other comprehensive
langsung pada ekuitas atau penghasilan komprehensif income.
lain.
Pajak kini Current tax
Pajak kini ditentukan berdasarkan laba kena pajak Current tax is determined based on the taxable
dalam tahun yang bersangkutan yang dihitung income for the current year and computed based on
berdasarkan tarif pajak dan peraturan pajak yang telah the tax rates and tax laws that are enacted or
berlaku atau secara substantif telah berlaku pada substantively enacted as at the reporting dates and
tanggal pelaporan dan penyesuaian terkait dengan adjustment related to payable or tax refund of
utang atau restitusi pajak tahun-tahun sebelumnya. previous years.
Aset dan liabilitas pajak kini untuk tahun berjalan Current income tax assets and liabilities for the
diukur sebesar jumlah yang diharapkan dapat current year are measured at the amount expected to
direstitusi dari atau yang dibayarkan kepada otoritas be recovered from or paid to the tax authority.
pajak.
Manajemen secara periodik melakukan evaluasi atas Management periodically evaluates positions taken in
posisi yang diambil dalam pelaporan pajak the tax returns with respect to situations in which
sehubungan dengan situasi dimana peraturan pajak applicable tax regulations are subject to
terkait menjadi subjek interpretasi dan menetapkan interpretation and establishes provisions when
provisi bila diperlukan. appropriate.
Perubahan terhadap liabilitas perpajakan diakui pada Amendments to tax obligations are recorded when an
saat diterimanya surat ketetapan pajak atau, jika Bank assessment is received or, if appealed by the Bank,
mengajukan keberatan, pada saat keputusan atas when the result of the appeal is determined.
keberatan tersebut ditetapkan.
Pajak tangguhan Deferred tax
Pajak tangguhan diakui dengan menggunakan metode Deferred tax is recognized using the liability method
liabilitas atas perbedaan temporer pada tanggal on temporary differences at the reporting date
pelaporan antara dasar pengenaan pajak dari aset dan between the tax bases of assets and liabilities and
liabilitas dan jumlah tercatatnya untuk tujuan their carrying amounts for financial reporting
pelaporan keuangan pada tanggal pelaporan. Namun, purposes at the reporting date. However, deferred tax
liabilitas pajak tangguhan tidak diakui jika timbul dari liabilities are not recognized if they arise from the
pengakuan awal goodwill; atau pada saat pengakuan initial recognition of goodwill; deferred income tax is
awal suatu aset atau liabilitas yang timbul dari transaksi not accounted for if it arises from the initial
selain kombinasi bisnis yang pada saat transaksi recognition of an asset or liability in a transaction
tersebut tidak mempengaruhi laba rugi akuntansi other than a business combination that at the time of
maupun laba rugi kena pajak. Pajak penghasilan the transaction affects neither accounting nor taxable
tangguhan ditentukan menggunakan tarif (atau profit or loss. Deferred income tax is determined
peraturan) pajak yang berlaku atau yang secara using tax rates (or laws) that have been enacted or
substansial telah berlaku pada tanggal pelaporan dan substantially enacted as at the reporting date and are
diharapkan untuk diterapkan jika aset pajak tangguhan expected to apply when the related deferred income
direalisasikan atau liabilitas pajak tangguhan tax asset is realized or the deferred income tax
diselesaikan. liability is settled.
Aset pajak tangguhan diakui sepanjang kemungkinan Deferred income tax assets are recognized only to the
besar laba kena pajak mendatang akan tersedia untuk extent that it is probable that future taxable profits
dikompensasi dengan perbedaan temporer yang masih will be available against which the temporary
dapat digunakan. differences can be utilized.
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Page 581
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
ab. Perpajakan (lanjutan) ab. Taxation (continued)
Pajak tangguhan (lanjutan) Deferred tax (continued)
Aset dan liabilitas pajak tangguhan diukur dengan Deferred tax assets and liabilities are measured at the
menggunakan tarif pajak yang diharapkan akan berlaku tax rates that are expected to apply to the year when
pada periode saat aset dipulihkan atau liabilitas the assets are realized or the liabilities are settled,
diselesaikan berdasarkan tarif pajak dan peraturan pajak based on tax rates and tax laws that have been enacted
yang berlaku atau yang telah secara substantif telah or substantively enacted as at the reporting date.
berlaku pada tanggal pelaporan.
Nilai tercatat aset pajak tangguhan ditelaah pada setiap The carrying amount of a deferred tax asset is
tanggal pelaporan dan nilai tercatat aset pajak tangguhan reviewed at each reporting date and reduced to the
tersebut diturunkan apabila laba fiskal mungkin tidak extent that it is no longer probable that sufficient
memadai untuk mengkompensasi sebagian atau semua taxable profit will be available to allow all or part of
manfaat aset pajak tangguhan. Pada setiap tanggal the benefit of that deferred tax assets to be utilized.
pelaporan, Bank meninjau kembali aset pajak tangguhan Unrecognized deferred tax assets are reassessed at
yang tidak diakui dan mengakui aset pajak tangguhan each reporting date and are recognized to the extent
yang sebelumnya tidak diakui apabila besar that it has become probable that future taxable profit
kemungkinan bahwa laba fiskal pada masa yang akan will allow the deferred tax assets to be recovered.
datang akan tersedia untuk pemulihannya.
Aset pajak tangguhan dan liabilitas pajak tangguhan Deferred tax assets and deferred tax liabilities are
disalinghapuskan jika terdapat hak secara hukum untuk offset when a legally enforceable right exists to offset
melakukan saling hapus antara aset pajak kini terhadap current tax assets against current tax liabilities, or the
liabilitas pajak kini, atau aset dan liabilitas pajak deferred tax assets and liabilities relate to the same
tangguhan pada entitas yang sama, atau Bank taxable entity, or the Bank intends to settle its current
bermaksud untuk memulihkan aset dan liabilitas pajak assets and liabilities on a net basis.
kini dengan dasar bersih.
ac. Laba per saham ac. Earnings per share
Laba per saham dasar dihitung dengan membagi laba Basic earnings per share is computed by dividing
tahun berjalan dengan jumlah rata-rata tertimbang profit for the year with the weighted-average number
saham yang beredar pada tahun berjalan. Jumlah rata- of shares outstanding during the year. The weighted-
rata tertimbang saham yang beredar pada periode average number of shares outstanding during
31 Desember 2024 dan 2023 adalah 20.223.412.907 December 31, 2024 and 2023 is 20,223,412,907
saham. shares.
Bank tidak mempunyai efek berpotensi saham biasa The Bank has no outstanding dilutive potential
yang bersifat dilutif pada tanggal 31 Desember 2024 dan ordinary shares as of December 31, 2024 and 2023,
2023, dan oleh karenanya, laba per saham dilusian tidak and accordingly, no diluted earnings per share is
dihitung dan disajikan pada laporan laba rugi dan calculated and presented in the statement of profit or
penghasilan komprehensif lain. loss and other comprehensive income.
ad. Imbalan kerja ad. Employee benefits
Imbalan kerja jangka pendek Short-term employee benefit
Imbalan kerja jangka pendek diakui pada saat terhutang Short-term employee benefits are recognized when
kepada karyawan berdasarkan metode akrual. they accrue to the employees.
Imbalan pasca kerja Post-employment benefits
Bank memberikan imbalan pasca kerja kepada The Bank provides post-employment rewards to its
karyawannya sesuai dengan ketentuan dari Undang- employees in accordance with the provisions of the
Undang (UU) Ketenagakerjaan No. 13/2003 tanggal 25 Labor Law No.13/2003 dated March 25, 2003, which
Maret 2003, dimana telah diperbaharui menggunakan has been updated using The Job Creation Law No.
UU Cipta Kerja No 11/2020. UU Ketenagakerjaan 11/2020. The Labor Law determines a certain formula
menentukan rumus tertentu untuk menghitung jumlah for calculating the minimum amount of pension
minimal imbalan pensiun, sehingga pada dasarnya, benefits, so basically, a pension plan under the Labor
program pensiun berdasarkan UU Ketenagakerjaan Law is a defined rewards program.
adalah program imbalan pasti.
- 51 -
Page 582
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
ad. Imbalan kerja (lanjutan) ad. Employee benefits (continued)
Imbalan pasca kerja (lanjutan) Post-employment benefits (continued)
Program pensiun imbalan pasti adalah program pensiun A defined benefit plan is a pension plan program
yang menetapkan jumlah imbalan pensiun yang akan where the pension amount to be received by employees
diterima oleh karyawan pada saat pensiun, biasanya at the time of retirement will depend on some factors
berdasarkan beberapa faktor seperti usia, masa kerja such as age, years of service or compensation.
atau kompensasi.
Liabilitas imbalan pasca kerja merupakan nilai kini Post-employment benefits liability is the present value
kewajiban imbalan pasti pada tanggal laporan posisi of defined benefits obligation at the statement of
keuangan. Liabilitas imbalan pasca kerja dihitung financial position date. Post-employment benefits
setiap tahun oleh aktuaris independen menggunakan liability is calculated annually by independent
metode projected unit credit. Nilai kini kewajiban actuaries using the projected unit credit method. The
imbalan pasti ditentukan dengan mendiskontokan present value of the defined benefit obligation is
estimasi arus kas keluar masa depan dengan determined by discounting the estimated future cash
menggunakan tingkat suku bunga Obligasi Pemerintah outflows using interest rates of Government Bonds that
dalam mata uang yang sama dengan mata uang are denominated in the currency in which the benefit
imbalan yang akan dibayarkan dan waktu jatuh tempo will be paid, and that have the terms to maturity
yang kurang lebih sama dengan waktu jatuh tempo approximating the terms of the related pension
pensiun yang bersangkutan. liability.
Biaya jasa lalu diakui segera dalam laporan laba rugi. Past service costs is recognized immediately in profit
or loss.
Biaya jasa lalu yang timbul dari amandemen atau Past service costs arising from amendment
kurtailmen program diakui sebagai beban dalam laba or curtailment programs are recognized as expenses in
rugi pada saat terjadinya. profit or loss when incurred.
Keuntungan atau kerugian aktuarial yang terjadi dari Actuarial gains or losses arising from experience
penyesuaian dan perubahan asumsi aktuaria dibebankan adjustments and changes in actuarial assumptions are
atau dikreditkan ke ekuitas di penghasilan komprehensif charged or credited to equity in other comprehensive
lain pada periode terjadinya sebagai pengukuran income in the period in which they arise as
kembali program imbalan pasti. Akumulasi saldo remeasurement of defined benefits plans. Accumulated
pengukuran kembali dilaporkan di saldo laba. remeasurement are recognized in retained earnings.
Pengukuran kembali atas program imbalan pasti yang Remeasurement on defined benefits plans which
diakui sebagai penghasilan komprehensif lain tidak recognized as other comprehensive income will not
direklasifikasi ke laba rugi pada periode berikutnya. reclassify to profit or loss in the next period.
Keuntungan atau kerugian atas kurtailmen atau Gains or losses on the curtailment or settlement of a
penyelesaian suatu program imbalan pasti diakui ketika defined benefit plan are recognized when the
kurtailmen atau penyelesaian terjadi. curtailment or settlement occurs.
Kurtailmen terjadi apabila salah satu dari kondisi A curtailment occurs when an entity either:
berikut terpenuhi:
i. Menunjukkan komitmennya untuk mengurangi i. Demonstrably committed to make a significant
secara signifikan jumlah pekerja yang ditanggung reduction in the number of employees covered by
oleh program; atau a plan; or
ii. Mengubah ketentuan dalam program imbalan ii. Amends the terms of a defined benefit plan so that
pasti yang menyebabkan bagian yang material dari a significant element of future service by current
jasa masa depan pekerja tidak lagi memberikan employees will no longer qualify for benefits, or
imbalan atau memberikan imbalan yang lebih will qualify only for reduced benefits.
rendah.
Penyelesaian program terjadi ketika entitas melakukan A settlement occurs when an entity enters into a
transaksi yang menghapuskan semua liabilitas hukum transaction that eliminates all further legal or
atau konstruktif atas sebagian atau seluruh imbalan constructive obligation for part or all of the benefits
dalam program imbalan pasti. provided under a defined benefit plan.
- 52 -
Page 583
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
af. Segmen operasi af. Operating segment
Segmen operasi adalah suatu komponen dari entitas: An operating segment is a component of
an entity which:
a) yang terlibat dalam aktivitas bisnis yang mana a) engages in business activities from which it may
memperoleh pendapatan dan menimbulkan beban earn income and expenses (including income
(termasuk pendapatan dan beban terkait dengan and expenses relating to the transactions
transaksi dengan komponen lain dari entitas yang with other components with the same entity);
sama);
b) hasil operasinya dikaji ulang secara reguler oleh b) operating results are reviewed regularly by the
pengambil keputusan operasional untuk membuat chief operating decision maker to make decisions
keputusan tentang sumber daya yang dialokasikan regarding the resources allocated to the segment
pada segmen tersebut dan menilai kinerjanya; dan and assess its performance; and
c) tersedia informasi keuangan yang dapat dipisahkan. c) separate financial information is available.
Bank menyajikan segmen operasi berdasarkan laporan The Bank presents operating segments based on
internal yang disajikan kepada pengambil keputusan internal reports that are presented to the operating
operasional yaitu Direksi. decision maker which is the Board of Directors.
Segmen geografis adalah komponen Bank yang dapat A geographical segment is a distinguishable
dibedakan dalam menghasilkan jasa pada lingkungan component of the Bank that is engaged in providing
(wilayah) ekonomi tertentu dan komponen itu memiliki services within a particular economic environment
risiko dan imbalan yang berbeda dengan risiko dan and that is subject to risks and returns that are
imbalan pada komponen yang beroperasi pada different from those operating in other economic
lingkungan (wilayah) ekonomi lain. environments.
Bank melaporkan segmen geografis berdasarkan daerah The Bank reports geographical segments based on the
Jakarta, Jawa, Sumatera, Sulawesi, Kalimantan dan area of Jakarta, Java, Sumatera, Sulawesi,
lainnya. Kalimantan and others.
ag. Transaksi dan saldo dengan pihak-pihak berelasi ag. Transactions and balances with related parties
Bank menerapkan PSAK No. 224, “Pengungkapan The Bank applied SFAS No. 224, “Related Party
Pihak-pihak Berelasi”, yang mensyaratkan Disclosures”, which requires disclosure of related
pengungkapan hubungan, transaksi dan saldo pihak- party relationships, transactions and outstanding
pihak berelasi, termasuk komitmen, dalam laporan balances, including commitments, in the financial
keuangan. statements.
Pihak-pihak berelasi adalah orang atau entitas yang A related party is a person or entity that is related to
terkait dengan entitas pelapor, yang terdiri dari: the reporting entity, which consists of:
a) Orang atau anggota keluarga terdekat mempunyai a) A person or a close member of that person’s
relasi dengan entitas pelapor jika orang tersebut: family is related to a reporting entity if that
person:
i. memiliki pengendalian atau pengendalian i. has control or joint control over the
bersama atas entitas pelapor; reporting entity;
ii. memiliki pengaruh signifikan atas entitas ii. has significant influence over the reporting
pelapor; atau entity; or
iii. personil manajemen kunci entitas pelapor atau iii. is a member of the key management
entitas induk dari entitas pelapor. personnel of the reporting entity or of a
parent of the reporting entity.
- 53 -
Page 584
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
ag. Transaksi dan saldo dengan pihak-pihak berelasi ag. Transactions and balances with related parties
(lanjutan) (continued)
Pihak-pihak berelasi adalah orang atau entitas yang A related party is a person or entity that is related to
terkait dengan entitas pelapor, yang terdiri dari: the reporting entity, which consists of: (continued)
(lanjutan)
b) Satu entitas berelasi dengan entitas pelapor jika b) An entity is related to a reporting entity if any of
memenuhi salah satu hal berikut: the following conditions applies:
i. Entitas dan entitas pelapor adalah anggota dari i. The entity and the reporting entity are
kelompok usaha yang sama (artinya entitas members of the same Bank (which means that
induk, entitas anak dan entitas anak berikutnya each parent, subsidiary and fellow subsidiary
terkait dengan entitas lain); is related to the others);
ii. Satu entitas adalah entitas asosiasi atau ventura ii. One entity is an associate or joint venture of
bersama dari entitas lain (atau entitas asosiasi the other entity (or an associate or joint
atau ventura bersama yang merupakan anggota venture of a member of a Bank of which the
suatu kelompok usaha, dimana entitas lain other entity is a member);
tersebut adalah anggotanya);
iii. Kedua entitas tersebut adalah ventura bersama iii. Both entities are joint ventures of the same
dari pihak ketiga yang sama; third party;
iv. Satu entitas adalah ventura bersama dari entitas iv. One entity is a joint venture of a third entity
ketiga dan entitas yang lain adalah entitas and the other entity is an associate of the third
asosiasi dari entitas ketiga; entity;
v. Entitas tersebut adalah suatu program imbalan v. The entity is a post-employment benefit plan
pasca kerja untuk imbalan kerja dari salah satu for the benefit of employees of either the
entitas pelapor atau entitas yang terkait dengan reporting entity or an entity related to the
entitas pelapor. Jika entitas pelapor adalah reporting entity. If the reporting entity is itself
entitas yang menyelenggarakan program such a plan, the sponsoring employers are
tersebut, maka entitas sponsor juga berelasi also related to the reporting entity;
dengan entitas pelapor;
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 (a);
huruf (a);
vii. Orang yang diidentifikasi dalam butir vii. A person identified in (a) (i) has significant
(a) (i) memiliki pengaruh signifikan atas entitas influence over the entity or is a member of the
atau personil manajemen kunci entitas (atau key management personnel of the entity (or of
entitas induk dari entitas). a parent of the entity).
Seluruh transaksi dan saldo yang signifikan dengan All significant transactions and balances with related
pihak berelasi, baik yang dilakukan dengan syarat parties, whether or not conducted under terms and
normal sebagaimana dilakukan dengan pihak yang conditions similar to those granted to third parties,
tidak berelasi, maupun tidak, telah diungkapkan pada are disclosed in the notes to the financial statements.
catatan atas laporan keuangan.
ah. Sewa ah. Leases
Penentuan apakah suatu perjanjian merupakan The determination of whether an arrangement is, or
perjanjian sewa atau perjanjian yang mengandung contains a lease is based on the substance of the
sewa didasarkan atas substansi perjanjian pada tanggal arrangement at inception date and whether the
awal sewa. Perjanjian tersebut ditelaah apakah fulfillment of the arrangement is dependent on the use
pemenuhan perjanjian tergantung pada penggunaan of a specific asset and the arrangement conveys a
suatu aset atau aset-aset tertentu atau perjanjian right to use the asset. Leases that transfer
tersebut memberikan suatu hak untuk menggunakan substantially to the lessee all the risks and rewards
aset tersebut, bahkan jika hak tersebut tidak incidental to ownership of the leased item are
dijabarkan secara eksplisit di perjanjian. Suatu sewa classified as finance leases. Moreover, leases that do
dikelompokkan sebagai sewa pembiayaan jika sewa not transfer substantially all the risks and rewards
tersebut mengalihkan secara substansial seluruh risiko incidental to ownership of the leased item are
dan manfaat yang terkait dengan kepemilikan aset. classified as operating leases.
Suatu sewa dikelompokkan sebagai sewa operasi jika
sewa tersebut tidak mengalihkan secara substansial
seluruh risiko dan manfaat yang terkait dengan
kepemilikan aset.
- 54 -
Page 585
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
ah. Sewa (lanjutan) ah. Leases (continued)
Sewa operasi - Bank sebagai lessee Operating lease - Bank as a lessee
Pembayaran sewa dalam sewa operasi diakui sebagai Payments made under operating leases are recognized
beban umum dan administrasi dalam laporan laba rugi as general and administrative expenses in the
dan penghasilan komprehensif lain selama masa sewa. statement profit or loss and other comprehensive
income over the period of lease.
Aset hak guna dan liabilitas sewa Right-of-use assets and lease liabilities
Pada tanggal permulaan kontrak, Bank menilai apakah At the inception of a contract, the Bank assesses
kontrak merupakan atau mengandung sewa. Suatu whether the contract is or contains a lease. A contract
kontrak merupakan atau mengandung sewa jika is or contains a lease if the contract conveys the right
kontrak tersebut memberikan hak untuk to control the use of an identified assets for a period
mengendalikan penggunaan aset identifikasian selama of time in exchange for consideration. The Bank can
suatu jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use asset and
imbalan. Bank dapat memilih untuk tidak mengakui lease liabilities for:
aset hak-guna dan liabilitas sewa untuk:
• Sewa dengan jangka waktu kurang atau sama • Leases with a term of less or equal to 12 months
dengan 12 bulan dan tidak terdapat opsi beli; and there is no call option;
• Sewa atas aset dengan nilai rendah. • Leases of low value assets.
Untuk menilai apakah kontrak memberikan hak untuk To assess whether a contract conveys the right to
mengendalikan penggunaan aset identifikasian, Bank control the use of an identified asset, the Bank shall
harus menilai apakah: assess whether:
• Bank memiliki hak untuk mendapatkan secara • The Bank has the right to obtain substantially all
substansial seluruh manfaat ekonomi dari the economic benefit from use of the asset
penggunaan aset identifikasian; dan throughout the period of use; and
• Bank memiliki hak untuk mengarahkan penggunaan • The Bank has the right to direct the use of the
aset identifikasian. Bank memiliki hak ini ketika asset. The Bank has described when it has a
Bank memiliki hak untuk pengambilan keputusan decision-making right that are the most relevant
yang relevan tentang bagaimana dan untuk tujuan to changing how and for what purpose the asset
apa aset digunakan telah ditentukan sebelumnya dan: is used are predetermined:
1. Bank memiliki hak untuk mengoperasikan aset; 1. The Bank has the right to operate the asset;
dan and
2. Bank telah mendesain aset dengan cara 2. The Bank has designed the asset in a way
menetapkan sebelumnya bagaimana dan untuk that predetermine how and for what
tujuan apa aset akan digunakan selama periode purposes it will be used
penggunaan.
Pada tanggal permulaan sewa, Bank mengakui aset The Bank recognises a right-of-use asset and a leases
hak-guna dan liabilitas sewa. Aset hak-guna diukur liability at the leases commencement date. The right-
pada biaya perolehan, dimana meliputi jumlah of-use asset is initially measured at cost, which
pengukuran awal liabilitas sewa yang disesuaikan comprises the initial amount of the leases liability
dengan pembayaran sewa yang dilakukan pada atau adjusted for any leases payment made at or before the
sebelum tanggal permulaan, ditambah dengan biaya commencement date, plus any initial direct cost
langsung awal yang dikeluarkan. Aset hak-guna incurred. The right-of-use asset is amortized over the
diamortisasi dengan menggunakan metode garis lurus straight-line method throughout the lease term.
sepanjang jangka waktu sewa.
Liabilitas sewa diukur pada nilai kini pembayaran sewa The lease liability is initially measured at the present
yang belum dibayar pada tanggal permulaan, value of the lease payments that are not paid at the
didiskontokan dengan menggunakan suku bunga commencement date, discounted using the interest rate
implisit dalam sewa atau jika suku bunga tersebut tidak implicit in the lease or, if that right cannot be readily
dapat ditentukan, maka menggunakan suku bunga determined, using incremental borrowing rate.
pinjaman inkremental. Pada umumnya, Bank Generally, the Bank uses its incremental borrowing
menggunakan suku bunga pinjaman inkremental rate as a discount rate.
sebagai tingkat bunga diskonto.
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Page 586
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
ah. Sewa (lanjutan) ah. Leases (continued)
Aset hak guna dan liabilitas sewa (lanjutan) Right-of-use assets and lease liabilities (continued)
Pembayaran sewa dialokasikan menjadi bagian pokok Each leases payment is allocated between the liability
dan biaya keuangan. Biaya keuangan dibebankan pada and finance cost. The finance cost is charged to profit
laba rugi selama periode sewa sehingga menghasilkan or loss over the leases period so as to produce a
tingkat suku bunga periodik yang konstan atas saldo constant periodic rate of interest on the remaining
liabilitas untuk setiap periode. balance of the liability for each period.
Jika sewa mengalihkan kepemilikan aset pendasar If the leases transfers ownership of the underlying
kepada Bank pada akhir masa sewa atau jika biaya asset to the Bank by the end of the leases term or if the
perolehan aset hak-guna merefleksikan Bank akan cost of the right-of-use asset reflects that the Bank will
mengeksekusi opsi beli, maka Bank menyusutkan aset exercise a purchase option, the Bank depreciates the
hak-guna dari tanggal permulaan hingga akhir umur right-of-use asset from the commencement date to the
manfaat aset pendasar. Jika tidak, maka Bank end of the useful life of the underlying asset.
menyusutkan aset hak-guna dari tanggal permulaan Otherwise, the Bank depreciates the right-of-use asset
hingga tanggal yang lebih awal antara akhir umur from the commencement date to the earlier of the end
manfaat aset hak-guna atau akhir masa sewa. of the useful life of the right-of-use asset or the end of
the leases term.
ai. Biaya emisi penerbitan saham ai. Shares issuance costs
Biaya-biaya emisi efek yang terjadi sehubungan Costs related to the public offering of shares
dengan penawaran saham kepada masyarakat (including pre-emptive rights issue) are deducted
(termasuk penerbitan hak memesan efek terlebih from the proceeds and presented as a deduction from
dahulu) dikurangkan langsung dari hasil emisi dan the “Additional Paid-in Capital - Net” account, as
disajikan sebagai pengurang pada akun “Tambahan part of Equity section in the statement of financial
Modal Disetor - Bersih”, sebagai bagian dari Ekuitas position.
pada laporan posisi keuangan.
aj. Provisi aj. Provision
Bank menerapkan PSAK 237, “Provisi, Liabilitas The Bank applied SFAS 237, “Provisions, Contingent
Kontinjensi, dan Aset Kontinjensi”. PSAK 237 Liabilities, and Contingent Assets”. SFAS 237
menetapkan kriteria pengakuan dan dasar pengukuran provides that appropriate recognition criteria and
untuk provisi, liabilitas kontinjensi dan aset measurement bases are applied to provisions,
kontinjensi, dan untuk memastikan bahwa informasi contingent liabilities and contingent assets, and to
yang memadai diungkapkan dalam catatan atas ensure that sufficient information is disclosed in the
laporan keuangan untuk memungkinkan pengguna notes to the financial statements to enable users to
memahami sifat, waktu dan jumlah yang terkait understand the nature, timing and amount related to
dengan informasi tersebut. the information.
Provisi diakui jika Bank memiliki liabilitas kini (baik Provisions are recognized when the Bank has present
bersifat hukum maupun bersifat konstruktif) jika, obligations (legal or constructive) where, as a result
sebagai akibat peristiwa masa lalu, besar of a past event, it is probable that an outflow of
kemungkinan penyelesaian liabilitas tersebut resources embodying economic benefits will be
mengakibatkan arus keluar sumber daya yang required to settle the obligation and a reliable
mengandung manfaat ekonomi dan jumlah liabilitas estimate can be made of the amount of the obligation.
tersebut dapat diestimasi secara andal.
Provisi diukur pada nilai kini dari perkiraan Provision is measured at the present value of the
pengeluaran yang diperlukan untuk menyelesaikan expenditures expected to be required to settle the
kewajiban menggunakan tingkat diskonto sebelum obligation using a pre-tax discount rate that reflects
pajak yang mencerminkan penilaian pasar atas nilai current market assessments of the time value of money
waktu uang dan risiko yang terkait dengan kewajiban and the risks specific to the obligation. The increase
tersebut. Peningkatan provisi ini sehubungan dengan in the provision due to the passage of time is
berlalunya waktu diakui sebagai beban bunga. recognized as interest expense.
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Page 587
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(lanjutan) (continued)
aj. Provisi (lanjutan) aj. Provision (continued)
Provisi ditelaah pada setiap akhir periode pelaporan Provisions are reviewed at the end of each reporting
dan disesuaikan untuk mencerminkan estimasi terbaik period and adjusted to reflect the current best
yang paling kini. Jika arus keluar sumber daya untuk estimate. If it is no longer probable that an outflow of
menyelesaikan liabilitas kemungkinan besar tidak resources embodying economic benefits will be
terjadi, maka provisi dibatalkan. required to settle the obligation, the provision is
reversed.
ak. Kontinjensi ak. Contingencies
Liabilitas kontinjensi tidak diakui dalam laporan Contingent liabilities are not recognized in the
keuangan, kecuali jika arus keluar sumber daya yang financial statements, unless the possibility of
mengandung manfaat ekonomi kemungkinannya kecil an outflow of resources embodying economic benefits
(remote) maka liabilitas kontijensi diungkapkan. Aset is remote, contingent liabilities are disclosed.
kontinjensi tidak diakui dalam laporan keuangan, tetapi Contingent assets are not recognized in the financial
diungkapkan jika terdapat kemungkinan besar statements but disclosed when an inflow of economic
(probable) arus masuk manfaat ekonomi. benefits is probable.
al. Peristiwa setelah periode pelaporan al. Events after the reporting period
Peristiwa-peristiwa yang terjadi setelah periode Post year end events that provide additional
pelaporan yang menyediakan tambahan informasi information about the financial position of the Bank as
mengenai posisi keuangan Bank pada tanggal laporan of the statement of financial position date (adjusting
posisi keuangan (peristiwa penyesuaian), jika ada, events), if any, are reflected in the financial
telah tercermin dalam laporan keuangan. Peristiwa- statements. Post year end events that are not adjusting
peristiwa yang terjadi setelah tahun pelaporan yang events are disclosed in the notes to the financial
tidak memerlukan penyesuaian (peristiwa non statements when material.
penyesuaian), apabila jumlahnya material, telah
diungkapkan dalam catatan atas laporan keuangan.
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF SIGNIFICANT JUDGMENTS, ESTIMATES
ASUMSI SIGNIFIKAN OLEH MANAJEMEN AND ASSUMPTIONS BY MANAGEMENT
Pengungkapan ini melengkapi pengungkapan pada These disclosures supplement the commentary on risk
manajemen risiko (Catatan 44). management (Note 44).
Penyusunan laporan keuangan Bank mengharuskan The preparation of the Bank’s financial statements requires
manajemen untuk membuat pertimbangan, estimasi dan management to make judgments, estimates and assumptions
asumsi yang mempengaruhi jumlah yang dilaporkan dari that affect the reported amounts of revenues, expenses, assets
pendapatan, beban, aset dan liabilitas, dan pengungkapan atas and liabilities, and the disclosure of contingent liabilities, at
liabilitas kontinjensi pada akhir periode pelaporan. the end of reporting period. Uncertainty about these
Ketidakpastian mengenai asumsi dan estimasi tersebut dapat assumptions and estimates could result in outcomes that
mengakibatkan penyesuaian material terhadap nilai tercatat require a material adjustment to the carrying amount of the
aset dan liabilitas dalam periode pelaporan berikutnya. asset and liability affected in future periods.
Pertimbangan Judgments
Pertimbangan berikut ini dibuat oleh manajemen dalam The following judgments are made by management in the
rangka penerapan kebijakan akuntansi Bank yang memiliki process of applying the Bank’s accounting policies that have
pengaruh paling signifikan atas jumlah yang diakui dalam the most significant effects on the amounts recognized in the
laporan keuangan: financial statements:
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Page 588
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF SIGNIFICANT JUDGMENTS, ESTIMATES
ASUMSI SIGNIFIKAN OLEH MANAJEMEN AND ASSUMPTIONS BY MANAGEMENT (continued)
(lanjutan)
Pertimbangan (lanjutan) Judgments (continued)
Usaha yang berkelanjutan Going concern
Manajemen Bank telah melakukan penilaian atas kemampuan The Bank’s management has made an assessment of the
Bank untuk melanjutkan kelangsungan usahanya dan Bank’s ability to continue as a going concern and is believed
berkeyakinan bahwa Bank memiliki sumber daya untuk that the Bank has the resources to continue its business for
melanjutkan usahanya di masa mendatang. Selain itu, the foreseeable future. Furthermore, the management is not
manajemen tidak mengetahui adanya ketidakpastian material aware of any material uncertainties that may cast significant
yang dapat menimbulkan keraguan yang signifikan terhadap doubt upon the Bank’s ability to continue as a going concern.
kemampuan Bank untuk melanjutkan kelangsungan Therefore, the financial statements continue to be prepared
usahanya. Oleh karena itu, laporan keuangan telah disusun on the going concern basis
atas dasar usaha yang berkelanjutan.
Penentuan mata uang fungsional Determination of functional currency
Mata uang fungsional dari Bank adalah mata uang dari The functional currency of the Bank is the currency of the
lingkungan ekonomi primer dimana entitas beroperasi. Mata primary economic environment in which each entity operates.
uang tersebut adalah mata uang yang mempengaruhi It is the currency that mainly influences the revenue and cost
pendapatan dan beban dari jasa yang diberikan. Berdasarkan of rendering services. Based on the economic substance of the
substansi ekonomi dari kondisi mendasari yang relevan, mata relevant underlying circumstances, the functional and
uang fungsional dan penyajian Bank adalah Rupiah. presentation currency of the Bank is the Indonesian Rupiah.
Klasifikasi aset dan liabilitas keuangan Classification of the financial assets and liabilities
Bank menetapkan klasifikasi atas aset dan liabilitas tertentu The Bank determines the classification of certain assets and
sebagai aset keuangan dan liabilitas keuangan dengan liabilities as financial assets and financial liabilities by
mempertimbangkan bila definisi yang ditetapkan PSAK 109 considering if the definition set forth in SFAS 109, which was
yang efektif 1 Januari 2024 dipenuhi. Dengan demikian, aset effective January 1, 2024, is fulfilled. Accordingly, financial
keuangan dan liabilitas keuangan diakui sesuai dengan assets and financial liabilities are recognized in accordance
kebijakan akuntansi seperti yang diungkapkan pada Catatan with the accounting policies disclosed in Note 2d.
2d.
Nilai wajar atas instrumen keuangan dan non-keuangan Fair value of financial and non-financial instruments
Semua aset dan liabilitas dimana nilai wajar diukur atau All assets and liabilities in which fair value is measured or
diungkapkan dalam laporan keuangan dapat dikategorikan disclosed in the financial statements can be categorized in the
pada tingkat hirarki nilai wajar, berdasarkan tingkatan input fair value hierarchy levels, based on the lowest level of input
terendah yang signifikan atas pengukuran nilai wajar secara that is significant on fair value measurement as a whole as
keseluruhan sebagai berikut: follows:
• Tingkat 1: Harga kuotasi (tidak disesuaikan) dalam pasar • Level 1: Quoted prices (unadjusted) in active markets for
aktif untuk aset atau liabilitas yang identik; identical assets or liabilities;
• Tingkat 2: Teknik penilaian yang menggunakan input • Level 2: Valuation techniques using inputs other than
selain harga kuotasi yang termasuk di dalam tingkat 1 quoted prices included within level 1 that are observable
yang dapat diobservasi untuk aset atau liabilitas, baik for the asset or liability, either directly (i.e. as prices) or
langsung (misalnya, harga) maupun tidak langsung indirectly (i.e. derived from prices); and
(misalnya, turunan dari harga); dan
• Tingkat 3: Teknik penilaian yang menggunakan input • Level 3: Valuation techniques using inputs for the asset
untuk aset dan liabilitas yang tidak didasarkan pada data or liability that are not based on observable market data
pasar yang dapat diobservasi (input yang tidak dapat (unobservable inputs).
diobservasi).
- 58 -
Page 589
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF SIGNIFICANT JUDGMENTS, ESTIMATES
ASUMSI SIGNIFIKAN OLEH MANAJEMEN (lanjutan) AND ASSUMPTIONS BY MANAGEMENT (continued)
Pertimbangan (lanjutan) Judgments (continued)
Penurunan nilai kredit yang diberikan Impairment losses on loans
Bank menelaah kredit yang diberikan yang signifikan secara The Bank reviews its individual significant loans at each
individual pada setiap tanggal laporan posisi keuangan untuk statement of financial position date to assess whether an
menilai apakah penurunan nilai harus dicatat dalam laporan impairment loss should be recorded in the statement of profit
laba rugi dan penghasilan komprehensif lain. Secara khusus, or loss and other comprehensive income. In particular,
pertimbangan manajemen diperlukan dalam estimasi jumlah judgment by the management is required to estimate the
dan waktu arus kas di masa mendatang ketika menentukan amount and timing of future cash flows when determining
kerugian penurunan nilai. Dalam estimasi arus kas tersebut, impairment losses. In estimating these cash flows, the Bank
Bank melakukan penilaian atas kondisi keuangan peminjam makes judgments about the borrower’s financial condition
dan nilai realisasi bersih agunan. Estimasi tersebut didasarkan and the net realizable value of collateral. These estimates are
pada asumsi dari sejumlah faktor dan hasil akhirnya mungkin based on assumptions from a number of factors and the actual
berbeda, yang mengakibatkan perubahan di masa mendatang results may differ, which may result the future changes in the
atas cadangan kerugian penurunan nilai. impairment losses allowance amount.
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 akhir periode pelaporan yang sources of estimation uncertainty at the reporting period date
memiliki risiko signifikan bagi penyesuaian yang material that have a significant risk of causing a material adjustment
terhadap nilai tercatat aset dan liabilitas untuk periode to the carrying amounts of assets and liabilities within the
pelaporan keuangan berikutnya, diungkapkan di bawah ini. next financial period are disclosed below. The Bank based its
Bank mendasarkan asumsi dan estimasi pada parameter yang assumptions and estimates on parameters available when the
tersedia pada saat laporan keuangan disusun. financial statements were prepared.
Asumsi dan situasi mengenai perkembangan masa depan Existing circumstances and assumptions about future
mungkin berubah akibat perubahan pasar atau situasi di luar developments may change due to market changes or
kendali Bank. Perubahan tersebut dicerminkan dalam asumsi circumstances arising beyond the control of the Bank. Such
terkait pada saat terjadinya. changes are reflected in the assumptions when they occur.
Semua estimasi dan asumsi yang diharuskan oleh PSAK All estimates and assumptions required in conformity with
adalah estimasi terbaik yang didasarkan standar yang berlaku. SFAS are best estimates undertaken in accordance with the
Estimasi dan pertimbangan dievaluasi secara terus menerus applicable standard. Estimates and judgments are evaluated
dan berdasarkan pengalaman masa lalu dan faktor-faktor lain on a continuous basis, and are based on past experience and
termasuk harapan atas kejadian yang akan datang. other factors, including expectations with regard to future
events.
Walaupun estimasi dan asumsi ini dibuat berdasarkan Although these estimates and assumption are based on
pengetahuan terbaik manajemen atas kejadian dan tindakan management’s best knowledge of current events and
saat ini, hasil yang timbul mungkin berbeda dengan estimasi activities, actual result may differ from those estimates and
dan asumsi semula. assumptions.
Cadangan kerugian penurunan nilai aset keuangan Allowances for impairment losses on financial assets
Aset keuangan yang dicatat berdasarkan biaya perolehan Financial assets accounted for at amortized cost are
diamortisasi dievaluasi penurunan nilainya sesuai dengan evaluated for impairment on a basis as described in Note 2l.
Catatan 2l.
Kondisi spesifik counterparty yang mengalami penurunan The specific counterparty component of the total allowances
nilai dalam pembentukan cadangan kerugian atas aset for impairment applies to financial assets evaluated
keuangan dievaluasi secara individu berdasarkan estimasi individually for impairment and is based upon management’s
terbaik manajemen atas nilai kini arus kas yang diharapkan best estimate of the present value of the cash flows that are
akan diterima. Dalam mengestimasi arus kas tersebut, expected to be received. In estimating these cash flows,
manajemen membuat pertimbangan tentang situasi keuangan management makes judgments about the counterparty’s
counterparty dan nilai realisasi bersih dari setiap agunan. financial situation and the net realizable value of any
Setiap aset yang mengalami penurunan nilai dinilai sesuai underlying collateral. Each impaired asset is assessed on its
dengan manfaat yang ada, dan strategi penyelesaian serta merits, and the workout strategy and estimated cash flows
estimasi arus kas yang diperkirakan dapat diterima disetujui considered recoverable are independently approved by the
secara independen oleh Satuan Kerja Manajemen Risiko. Risk management Working Unit.
- 59 -
Page 590
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF SIGNIFICANT JUDGMENTS, ESTIMATES
ASUMSI SIGNIFIKAN OLEH MANAJEMEN (lanjutan) AND ASSUMPTIONS BY MANAGEMENT (continued)
Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Perhitungan cadangan penurunan nilai kolektif meliputi Collectively assessed impairment allowances cover credit
kerugian kredit yang melekat dalam portofolio aset keuangan losses inherent in portfolios of financial assets with similar
dengan karakteristik ekonomi yang sama ketika terdapat bukti economic characteristics when there is objective evidence to
objektif penurunan nilai, tetapi penurunan nilai secara suggest that they contain impaired financial assets, but the
individu belum dapat diidentifikasi. Dalam menilai kebutuhan individual impaired items cannot yet be identified. In
untuk cadangan kolektif, manajemen mempertimbangkan assessing the need for collective allowances, management
faktor-faktor seperti kualitas kredit dan jenis produk. Guna considers factors such as credit quality and type of product.
membuat estimasi cadangan yang diperlukan, manajemen In order to estimate the required allowance, assumptions are
membuat asumsi untuk menentukan kerugian yang melekat, made to define the way inherent losses are modelled and to
dan untuk menentukan parameter input yang diperlukan, determine the required input parameters, based on historical
berdasarkan pengalaman masa lalu dan kondisi ekonomi saat experience and current economic conditions. The accuracy of
ini. Keakuratan penyisihan tergantung pada seberapa baik the allowances depends on how well these estimate future
estimasi arus kas masa depan untuk cadangan counterparty cash flows for specific counterparty allowances and the
tertentu dan asumsi model dan parameter yang digunakan model assumptions and parameters used in determining
dalam menentukan cadangan kolektif. collective allowances.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Penurunan nilai timbul saat nilai tercatat aset atau UPK An impairment exists when the carrying value of an asset or
melebihi jumlah terpulihkannya, yaitu yang lebih tinggi CGU exceeds its recoverable amount, which is the higher of
antara nilai wajar dikurangi biaya untuk menjual dan nilai its fair value less costs to sell and its value in use. The fair
pakainya. Nilai wajar dikurangi biaya untuk menjual value less costs to sell calculation is based on available data
didasarkan pada data yang tersedia dari transaksi penjualan from binding sales transactions in an arm’s length
yang mengikat dalam transaksi normal atas aset serupa atau transaction of similar assets or observable market prices less
harga pasar yang dapat diamati dikurangi dengan biaya incremental costs for disposing the asset. In assessing the
tambahan yang dapat diatribusikan dengan pelepasan aset. value in use, the estimated net future cash flows are
Dalam menghitung nilai pakai, estimasi arus kas masa depan discounted to their present value using a pre-tax discount rate
bersih didiskontokan ke nilai kini dengan menggunakan that reflects current market assessments of the time value of
tingkat diskonto sebelum pajak yang menggambarkan money and the specific risks to the asset.
penilaian pasar kini dari nilai waktu uang dan risiko spesifik
atas aset.
Dalam menentukan nilai wajar dikurangi biaya untuk In determining fair value less costs to sell, recent market
menjual, digunakan harga penawaran pasar terakhir, jika transactions are taken into account, if available. If no such
tersedia. Jika tidak terdapat transaksi tersebut, model transactions can be identified, an appropriate valuation
penilaian yang sesuai digunakan untuk menentukan nilai model is used to determine the fair value of the assets. These
wajar aset. Perhitungan-perhitungan ini dipadukan dengan calculations are corroborated by valuation multiples or other
penilaian berganda atau indikator nilai wajar yang tersedia. available fair value indicators. The value in use calculation
Perhitungan nilai pakai didasarkan pada model arus kas yang is based on a discounted cash flow model.
didiskontokan.
Manajemen berkeyakinan bahwa tidak terdapat indikasi atas Management believes that there is no indication of potential
kemungkinan penurunan potensial atas nilai aset non- impairment in values of non-financial assets as of
keuangan pada tanggal 31 Desember 2024 dan 2023. December 31, 2024 and 2023.
Imbalan pasca kerja Post-employment benefits
Penentuan liabilitas dan beban imbalan pasca kerja Bank The determination of the Bank’s post-employment benefits
bergantung pada pemilihan asumsi yang digunakan oleh liability and expense is depend on its selection of certain
aktuaris independen dalam menghitung jumlah-jumlah assumptions used by the independent actuary in calculating
tersebut. Asumsi tersebut termasuk antara lain, tingkat such amounts. Those assumptions include discount rates,
diskonto, tingkat kenaikan gaji tahunan, tingkat pengunduran annual salary increase rate, annual resignation rate,
diri karyawan tahunan, tingkat kecacatan, umur pensiun dan disability rate, retirement age and mortality rate. All
tingkat kematian. Seluruh asumsi ditelaah setiap akhir periode assumptions are reviewed at the end of reporting period. As
pelaporan. Seperti dijelaskan pada Catatan 2ad, hasil aktual disclosed in Note 2ad, actual results that differ from the
yang berbeda dari asumsi Bank diakui sebagai penghasilan Bank’s assumptions are recognized as other comprehensive
komprehensif lain. Dikarenakan kompleksitas dari penilaian, income. Due to the complexity of the valuation, the underlying
asumsi dan periode jangka panjang, kewajiban imbalan pasti assumptions and their long-term nature, a defined benefit
sangat sensitif terhadap perubahan asumsi. obligation is highly sensitive to changes in assumptions.
- 60 -
Page 591
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN 3. USE OF SIGNIFICANT JUDGMENTS, ESTIMATES
ASUMSI SIGNIFIKAN OLEH MANAJEMEN (lanjutan) AND ASSUMPTIONS BY MANAGEMENT (continued)
Estimasi dan asumsi (lanjutan) Estimates and assumptions (continued)
Imbalan pasca kerja (lanjutan) Post-employment benefits (continued)
Bank berkeyakinan bahwa asumsi tersebut adalah memadai The Bank believes that its assumptions are reasonable and
dan tepat, perbedaan signifikan pada pengalaman aktual Bank appropriate, significant differences in the Bank’s actual
atau perubahan signifikan dalam asumsi yang ditetapkan experiences or significant changes in its assumptions may
Bank dapat mempengaruhi secara material liabilitas imbalan materially affect its post-employment benefits liability and
pasca kerja dan beban imbalan pasca kerja. expense.
Estimasi umur manfaat ekonomis aset tetap dan aset Estimated useful life of fixed assets and intangible asset
takberwujud
Bank mengestimasi umur manfaat ekonomis dari aset tetap The Bank estimates the useful lives of its fixed assets and
dan aset takberwujud berdasarkan utilisasi dari aset yang intangible asset based on expected assets utilization as
diharapkan dapat didukung dengan rencana dan strategi usaha anchored on business plans and strategies that also consider
yang juga mempertimbangkan perkembangan teknologi di expected future technological developments and market
masa depan dan perilaku pasar. Estimasi dari umur manfaat behavior. The estimation of the useful lives is based on the
ekonomis aset tetap adalah berdasarkan penelaahan Bank Bank’s collective assessment of industry practice, internal
secara kolektif terhadap praktek industri, evaluasi teknis technical evaluation and experience with similar assets.
internal dan pengalaman untuk aset yang setara.
Estimasi umur manfaat ekonomis ditelaah paling sedikit The estimated useful lives are reviewed at least each of end
setiap akhir periode pelaporan dan diperbarui jika ekspektasi financial reporting and are updated if expectations differ
berbeda dari estimasi sebelumnya dikarenakan pemakaian from previous estimates due to physical wear and tear,
dan kerusakan fisik, keusangan secara teknis atau komersial technical or commercial obsolescence and legal or other
dan hukum atau pembatasan lain atas penggunaan dari aset. limitations on the use of the assets. It is possible, however,
Tetapi, adalah mungkin, hasil di masa depan dari operasi that future results of operations can be materially affected by
dapat dipengaruhi secara material oleh perubahan-perubahan changes in the estimates brought about by changes in the
dalam estimasi yang diakibatkan oleh perubahan faktor-faktor factors mentioned above. The amounts and timing of recorded
yang disebutkan di atas. Jumlah dan waktu dari beban yang expenses for any year are affected by changes in these factors
dicatat untuk setiap periode akan terpengaruh oleh perubahan and circumstances. A reduction in the estimated useful lives
atas faktor-faktor dan situasi tersebut. Pengurangan dalam of the Bank’s fixed assets and intangible asset will increase
estimasi umur manfaat ekonomis dari aset tetap dan aset the recorded other operating expenses and decrease
takberwujud Bank akan meningkatkan beban operasional respective assets.
lainnya dan menurunkan aset yang dicatat.
Pajak penghasilan Income tax
Estimasi signifikan dilakukan dalam menentukan provisi atas Significant estimate is involved in determining the provision
pajak penghasilan badan. Terdapat transaksi dan perhitungan for corporate income tax. There are certain transactions and
tertentu yang penentuan pajak akhirnya adalah tidak pasti computation for which the ultimate tax determination is
sepanjang kegiatan usaha normal. Bank mengakui liabilitas uncertain during the ordinary course of business. The Bank
atas pajak penghasilan badan berdasarkan estimasi apakah recognizes liabilities for expected corporate income tax
akan terdapat tambahan pajak penghasilan badan. Apabila issues based on estimates of whether additional corporate
keputusan final atas pajak tersebut berbeda dari jumlah yang income tax will be due. Where the final tax outcome of those
pada awalnya dicatat, perbedaan tersebut dicatat pada laporan matters is different from the amounts that were initially
laba rugi dan penghasilan komprehensif lain pada periode recorded, such differences will be recorded at the statement
dimana hasil tersebut dikeluarkan. of profit or loss and other comprehensive income in the period
in which such determination is made.
Aset pajak tangguhan diakui atas seluruh perbedaan temporer Deferred tax assets are recognized for all deductible
yang dapat dikurangkan, sepanjang besar kemungkinannya temporary differences, to the extent that it is probable that
bahwa penghasilan kena pajak akan tersedia sehingga taxable profit will be available against which the deductible
perbedaan temporer tersebut dapat digunakan. Estimasi temporary differences. Significant estimates by management
signifikan oleh manajemen disyaratkan dalam menentukan are required to determine the amount of deferred tax assets
jumlah aset pajak tangguhan yang dapat diakui, berdasarkan that can be recognized, based upon the likely timing and the
saat penggunaan dan tingkat penghasilan kena pajak serta level of the future taxable profits together with future tax
strategi perencanaan pajak masa depan. Sebagai akibatnya, planning strategies. As a result, related to the nature of the
terkait dengan sifat bawaannya, terdapat kemungkinan bahwa default, there is a possibility that the calculation of deferred
perhitungan pajak tangguhan berhubungan dengan pola yang taxes related to a complex pattern where assessment requires
kompleks dimana penilaian memerlukan pertimbangan dan judgment and is not expected to produce an accurate
tidak diharapkan menghasilkan perhitungan yang akurat. calculation.
- 61 -
Page 592
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
4. KAS 4. CASH
Rincian kas adalah sebagai berikut: The details of cash are as follows:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing mata uang asing
(angka penuh)/ (angka penuh)/
Notional amount Ekuivalen Notional amount Ekuivalen
of foreign rupiah/ of foreign rupiah/
currency Equivalent currency Equivalent
(full amount) rupiah (full amount) rupiah
Rupiah 373.016 329.779 Rupiah
Mata Uang Asing Foreign Currencies
Dolar Amerika Serikat 23.630.189 380.328 1.653.971 25.466 United States Dollar
Dolar Singapura 971.242 11.504 763.193 8.911 Singapore Dollar
Dolar Australia 176.900 1.771 182.495 1.920 Australian Dollar
Euro Eropa 95.200 1.595 88.685 1.511 European Euro
Riyal Saudi 90.840 389 - - Saudi Riyal
Poundsterling Inggris 11.355 230 32.425 636 Great Britain Poundsterling
Yuan China 80.658 177 160.846 350 China Yuan
Dolar Hong Kong 61.660 128 112.870 222 Hongkong Dollar
Yen Jepang 1.159.000 119 3.111.000 339 Japanese Yen
Ringgit Malaysia 26.853 97 - - Malaysian Ringgit
Sub jumlah 396.338 39.355 Sub total
Jumlah 769.354 369.134 Total
Pada tanggal 31 Desember 2024 dan 2023, saldo mata uang As of December 31, 2024 and 2023, the balance in Rupiah
Rupiah termasuk uang pada mesin Anjungan Tunai Mandiri includes cash in Automatic Teller Machine (ATM) amounting
(ATM) masing-masing sebesar Rp26.221 dan Rp25.392. to Rp26,221 and Rp25,392 respectively.
Pada tanggal 31 Desember 2024 dan 2023, kas (cash in safe) As of December 31, 2024 and 2023, cash (cash in safe)
diasuransikan kepada PT Arthagraha General Insurance insured with PT Arthagraha General Insurance (third party)
(pihak ketiga) terhadap risiko pencurian dan lainnya dengan against theft and other risks with coverage amounting to
nilai pertanggungan masing-masing sebesar Rp6.300 dan Rp6,300 and Rp6,400 respectively. Management believes that
Rp6.400. Manajemen berkeyakinan bahwa nilai the insurance coverage is adequate to cover possible losses
pertanggungan tersebut cukup untuk menutupi kemungkinan from such risks.
kerugian atas risiko tersebut.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
Rincian giro pada Bank Indonesia adalah sebagai berikut: The details of current accounts with Bank Indonesia are as
follows:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing mata uang asing
(angka penuh)/ (angka penuh)/
Notional amount Ekuivalen Notional amount Ekuivalen
of foreign rupiah/ of foreign rupiah/
currency Equivalent currency Equivalent
(full amount) rupiah (full amount) rupiah
Rupiah 2.948.485 2.585.155 Rupiah
Dolar Amerika Serikat 4.749.017 76.435 4.749.017 73.121 United States Dollar
Jumlah 3.024.920 2.658.276 Total
Saldo giro pada Bank Indonesia (BI) disediakan untuk Current accounts with Bank Indonesia (BI) are maintained to
memenuhi persyaratan Giro Wajib Minimum (GWM) dari comply with Bank Indonesia minimum statutory reserve
Bank Indonesia. requirement (GWM).
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Page 593
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Pada tanggal 24 Desember 2013, Bank Indonesia On December 24, 2013, Bank Indonesia issued a regulation
menerbitkan Peraturan Bank Indonesia (PBI) (PBI) No. 15/15/PBI/2013 regarding “The Minimum
No. 15/15/PBI/2013 tentang “Giro Wajib Minimum (GWM) Statutory Reserves at Bank Indonesia for Commercial Banks
Bank Umum pada Bank Indonesia dalam Rupiah dan Valuta in Rupiah and Foreign Currencies for Conventional
Asing Bagi Bank Umum Konvensional”. Berdasarkan Commercial Banks”. In accordance with such regulation, the
peraturan tersebut, GWM dalam Rupiah terdiri dari GWM minimum ratio of Statutory Reserves consist of Primary
Primer, GWM Sekunder dan GWM Loan to Deposit Ratio Minimum Statutory Reserves, Secondary Minimum Statutory
(LDR). GWM Primer dalam Rupiah ditetapkan sebesar 8% Reserves and Loan to Deposit Ratio (LDR) Minimum
dari Dana Pihak Ketiga (DPK) dalam Rupiah dan GWM Statutory Reserves. Primary Minimum Statutory Reserves in
Sekunder dalam Rupiah ditetapkan sebesar 4% dari DPK Rupiah is 8% of Third Party Funds (TPF) in Rupiah and
dalam Rupiah. GWM LDR dalam Rupiah sebesar Secondary Minimum Statutory Reserves in Rupiah is 4% of
perhitungan antara parameter disinsentif bawah atau TPF in Rupiah. LDR Minimum Statutory Reserves in Rupiah
parameter disinsentif atas dengan selisih antara LDR Bank is determined in computation between parameters under and
dan LDR target dengan memperhatikan selisih antara over disincentive for the difference between the Bank’s LDR
Kewajiban Penyediaan Modal Minimum (KPMM) Bank and LDR target by taking into account the difference between
dengan KPMM Insentif. GWM dalam valuta asing ditetapkan the Capital Adequacy Ratio (CAR) and CAR Incentive. The
sebesar 8% dari DPK dalam valuta asing. PBI tersebut mulai Minimum Statutory Reserves in foreign currencies is 8% from
berlaku pada tanggal 31 Desember 2013. TPF in foreign currencies. The PBI was effective from
December 31, 2013.
Pada tanggal 25 Juni 2015, Bank Indonesia menerbitkan PBI On June 25, 2015, Bank Indonesia issued PBI
No. 17/11/PBI/2015 tentang “Perubahan atas PBI No. 17/11/PBI/2015 on “The Amendment of PBI
No. 15/15/PBI/2013 tentang Giro Wajib Minimum Bank No. 15/15/PBI/2013 on Commercial Banks Minimum Reserve
Umum dalam Rupiah dan Valuta Asing Bagi Bank Umum Requirement in Rupiah and Foreign Currency for
Konvensional”. Berdasarkan peraturan tersebut, GWM dalam Conventional Commercial Banks”. Based on the regulation,
Rupiah terdiri dari GWM Primer, GWM Sekunder dan GWM the Minimum Statutory Reserves consist of Primary Minimum
Loan to Funding Ratio (LFR). GWM Primer dalam Rupiah Statutory Reserves, Secondary Minimum Statutory Reserves
ditetapkan sebesar 8% dari Dana Pihak Ketiga (DPK) dalam and Loan to Funding Ratio (LFR) Minimum Statutory
Rupiah dan GWM Sekunder dalam Rupiah ditetapkan sebesar Reserves. Primary Minimum Statutory Reserves in Rupiah is
4% dari DPK dalam Rupiah. GWM LFR dalam Rupiah 8% of Third Party Funds (TPF) in Rupiah and Secondary
sebesar hasil perhitungan antara parameter disinsentif bawah Minimum Statutory Reserves in Rupiah is 4% of TPF in
atau parameter disinsentif atas dengan selisih antara LFR Rupiah. LFR Minimum Statutory Reserves in Rupiah is
Bank dan LFR target dengan memperhatikan selisih antara determined in computation between parameters under and
Kewajiban Penyediaan Modal Minimum (KPMM) Bank dan over disincentive for the difference between the Bank’s LFR
KPMM Insentif. GWM dalam valuta asing ditetapkan sebesar and LFR target by taking into account the difference between
8% dari DPK dalam valuta asing. PBI tersebut mulai berlaku the Bank’s Capital Adequacy Ratio (CAR) and Incentive CAR.
pada tanggal 25 Juni 2015. Semua penyebutan LDR dalam The Minimum Statutory Reserves in foreign currencies is 8%
PBI No. 15/15/PBI/2013 tentang “Giro Wajib Minimum from TPF in foreign currencies. The PBI was effective since
Bank Umum dalam Rupiah dan Valuta Asing Bagi Bank June 25, 2015. All LDR terms in PBI
Umum Konvensional” serta peraturan pelaksanaannya dibaca No. 15/15/PBI/2013 on “Commercial Bank’s Minimum
sebagai LFR sejak tanggal 3 Agustus 2015. Perhitungan Reserve Requirement in Rupiah and Foreign Currancy for
GWM LFR mulai berlaku pada tanggal 3 Agustus 2015. Conventional Commercial Bank” and its implementation
guidance is read as LFR since August 3, 2015. The GWM LFR
calculation was effective since August 3, 2015.
Pada tanggal 26 November 2015, Bank Indonesia On November 26, 2015, Bank Indonesia issued PBI
menerbitkan PBI No.17/21/PBI/2015 tentang “Perubahan No.17/21/PBI/2015 on “The Second Amendment of PBI
Kedua atas PBI No.15/15/PBI/2013 tentang Giro Wajib No.15/15/PBI/2013 on Commercial Bank’s Minimum Reserve
Minimum Bank Umum dalam Rupiah dan Valuta Asing Bagi Requirement in Rupiah and Foreign Currency for
Bank Umum Konvensional”. Berdasarkan peraturan tersebut, Conventional Commercial Banks”. Based on the regulation,
GWM Primer dalam Rupiah berubah dari sebesar 8% menjadi the Primary Minimum Statutory Reserves in Rupiah was
sebesar 7,5% dari DPK dalam Rupiah. PBI tersebut mulai changed from 8% to become 7.5% of TPF in Rupiah. The PBI
berlaku pada tanggal 1 Desember 2015. was effective since December 1, 2015.
Pada tanggal 10 Maret 2016, Bank Indonesia menerbitkan On March 10, 2016, Bank Indonesia issued PBI
PBI No. 18/3/PBI/2016 tentang “Perubahan Ketiga atas PBI No. 18/3/PBI/2016 regarding “The Third Amendment of PBI
No. 15/15/PBI/2013 tentang Giro Wajib Minimum Bank No. 15/15/PBI/2013 on Commercial Bank’s Minimum
Umum dalam Rupiah dan Valuta Asing Bagi Bank Umum Reserve Requirement in Rupiah and Foreign Currency for
Konvensional”. Berdasarkan peraturan tersebut, GWM Conventional Commercial Banks”. Based on the regulation,
Primer dalam Rupiah berubah dari sebesar 7,5% menjadi the Primary Minimum Statutory Reserves in Rupiah changed
sebesar 6,5% dari DPK dalam Rupiah. PBI tersebut mulai from 7.5% to 6.5% of TPF in Rupiah. The PBI was effective
berlaku pada tanggal 16 Maret 2016. since March 16, 2016.
- 63 -
Page 594
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Pada tanggal 18 Agustus 2016, Bank Indonesia menerbitkan On August 18, 2016, Bank Indonesia issued PBI
PBI No.18/14/PBI/2016 tentang “Perubahan Keempat atas No.18/14/PBI/2016 regarding “The Fourth Amendment of
PBI No.15/15/PBI/2013 tentang Giro Wajib Minimum Bank PBI No.15/15/PBI/2013 on Commercial Bank’s Minimum
Umum dalam Rupiah dan Valuta Asing Bagi Bank Umum Reserve Requirement in Rupiah and Foreign Currency for
Konvensional”. Berdasarkan peraturan tersebut, batas bawah Conventional Commercial Banks”. Based on the regulation,
GWM LFR target berubah dari 78% menjadi 80%. the parameters under of target GWM LFR changed from 78%
to 80%.
PBI No. 20/3/PBI/2018 tanggal 05 April 2018 dan PADG No. PBI No. 20/3/PBI/2018 dated April 05, 2018 and PADG
20/30/PADG/2018 tanggal 30 November 2018 tentang Giro No. 20/30/PADG/2018 tanggal November 30, 2018 regarding
Wajib Minimum Bank Umum bagi Bank Umum Minimum Statutory Reserves (GWM) with Commercial Banks
konvensional dalam Rupiah dan Valuta Asing, setiap bank di in Rupiah and foreign currencies, each bank in Indonesia is
Indonesia diwajibkan mempunyai saldo giro minimum di required to have a minimum demand deposit balance in Bank
Bank Indonesia untuk cadangan likuiditas. Giro Wajib Indonesia as liquidity reserve. The GWM in Rupiah consists
Minimum (GWM) dalam Rupiah terdiri dari GWM Primer of Primary GWM which is set at an average of 6.5% and 3.5%
ditetapkan sebesar rata-rata 6,5% dan secara harian sebesar on a daily basis and the Secondary GWM which is set at 4%
3,5% dan GWM Sekunder ditetapkan sebesar 4% serta GWM and GWM Loan to Funding Ratio (LFR GWM) which is
Loan to Funding Ratio (LFR) sebesar perhitungan antara determined based on parameters under disincentive and over
parameter disinsentif bawah atau parameter disinsentif atas disincentive for the difference between the bank's LFR and
dengan selisih antara LFR bank dan LFR target dengan target LFR by taking into account the difference between the
memperhatikan selisih antara Kewajiban Penyediaan Modal bank's Capital Adequacy Ratio (CAR) and CAR incentive.
Minimum (KPMM) bank dan KPMM Insentif. GWM dalam GWM in United States Dollar is set at 8%.
Dolar Amerika Serikat ditetapkan sebesar 8%.
PADG No. 22/10/PADG/2020 tentang Perubahan Kelima PADG No.22/10/PADG/2020 concerning the Fifth
atas Peraturan Dewan Gubernur No. 20/10/PAGD/2018 Amendment to the Regulation of the Board of Governors
tentang Giro Wajib Minimum dalam Rupiah dan Valuta No.20/10/PAGD/2018 concerning Statutory Reserves in
Asing Bagi Bank Umum Konvensional, Bank Umum Rupiah and Foreign Exchange for Conventional Commercial
Syariah, dan Unit Usaha Syariah mengatur GWM dalam Banks, Sharia Commercial Banks, and Sharia Business Units
rupiah ditetapkan sebesar rata-rata 3,5% DPK BUK dalam regulates the Statutory Reserves in rupiah set at an average
rupiah selama periode pelaporan tertentu, yang wajib of 3.5% BUK TPF in rupiahs during a certain reporting
dipenuhi secara harian sebesar 0,5% dan rata-rata sebesar 3%. period , which must be met daily by 0.5% and an average of
3%.
PADG No. 24/8/PADG/2022 tanggal 30 Juni 2022 tentang PADG No. 24/8/PADG/2022 dated June 30, 2022 concerning
Peraturan Pelaksanaan Pemenuhan Giro Wajib Minimum Regulations for the Implementation of Minimum Statutory
dalam Rupiah dan Valuta Asing Bagi Bank Umum Reserves in Rupiah and Foreign Currency for Conventional
Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah Commercial Banks, Sharia Commercial Banks, and Sharia
mengatur GWM dalam rupiah ditetapkan 9% DPK BUK Business Units stipulate that GWM in rupiah is set at 9% DPK
dalam rupiah selama periode pelaporan tertentu, dan BUK in rupiah during the reporting period certain conditions,
Pemberian remunerasi sebesar 1,5% terhadap pemenuhan and Providing remuneration of 1.5% for fulfilling GWM
kewajiban GWM setelah memperhitungkan insentif bagi obligations after taking into account incentives for banks in
bank-bank dalam penyaluran kredit/pembiayaan kepada channeling credit/financing to priority sectors and MSMEs
sektor prioritas dan UMKM dan/atau memenuhi target Rasio and/or meeting the Macroprudential Inclusive Financing
Pembiayaan Inklusif Makroprudensial (RPIM). Ratio (MIFR) target.
PADG GWM ini juga mengonsolidasikan seluruh perubahan PADG GWM also consolidates all changes to PADG
pada PADG No. 20/10/PADG/2018 tentang Giro Wajib No. 20/10/PADG/2018 concerning Statutory Reserves in
Minimum dalam Rupiah dan Valuta Asing bagi Bank Umum Rupiah and Foreign Currency for Conventional Commercial
Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah, Banks, Sharia Commercial Banks and Sharia Business Units,
tanpa mengubah substansi pengaturan selain perubahan without changing the substance of the regulation other than
besaran GWM dan bagian yang diperhitungkan untuk changes in the GWM amount and the portion calculated for
mendapat remunerasi. Selanjutnya, pada saat PADG GWM remuneration. Furthermore, when PADG GWM Number
Nomor 24/8/PADG/2022 mulai berlaku tanggal 1 Juli 2022, 24/8/PADG/2022 comes into force on July 1, 2022, PADG
PADG Nomor 20/10/PADG/2018 beserta perubahan- Number 20/10/PADG/2018 and its amendments are revoked
perubahannya dicabut dan dinyatakan tidak berlaku. and declared not valid.
- 64 -
Page 595
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Rasio Giro Wajib Minimum (GWM) Bank pada tanggal The Bank’s Minimum Statutory Reserves (GWM) ratio as of
31 Desember 2024 dan 2023 adalah sebagai berikut: December 31, 2024 and 2023 are as follows:
2024 2023
Rupiah Rupiah
GWM Primer 13,03% 12,73% Primary GWM
GWM Sekunder/PLM 22,35% 11,56% Secondary GWM
Dolar Amerika Serikat 4,36% 4,96% United States Dollar
Pada tanggal 31 Desember 2024 dan 2023, Bank telah As of December 31, 2024 and 2023, the Bank has complied
memenuhi ketentuan Bank Indonesia mengenai GWM. with Bank Indonesia regulation on the GWM.
Tingkat suku bunga rata-rata per tahun adalah sebagai The average interest rates per annum are as follows:
berikut:
2024 2023
Rupiah 0,57% 0,52% Rupiah
Dolar Amerika Serikat 0,00% 0,00% United States Dollar
Pada tanggal 31 Desember 2024 dan 2023, Loan to Funding As of December 31, 2024 and 2023, the Bank’s Loan to
Ratio (LFR) Bank lebih kecil dari batas atas LFR target dan Funding Ratio (LFR) was lower than the upper limit of the
Kewajiban Penyediaan Modal Minimum (KPMM) Bank target LFR and the Bank’s Capital Adequacy Ratio (CAR)
lebih besar dari KPMM Insentif Bank Indonesia. was greater than Bank Indonesia’s CAR Incentives.
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
a. Berdasarkan mata uang dan bank a. By currency and bank
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing mata uang asing
(angka penuh)/ Ekuivalen (angka penuh)/ Ekuivalen
Notional amount rupiah/ Notional amount rupiah/
of foreign currency Equivalent of foreign currency Equivalent
(full amount) rupiah (full amount) rupiah
Rupiah Rupiah
PT Bank Central Asia Tbk 80.920 93.615 PT Bank Central Asia Tbk
PT Bank Mandiri PT Bank Mandiri
(Persero) Tbk 22.099 21.554 (Persero) Tbk
PT Bank Maybank PT Bank Maybank
Indonesia Tbk 17.543 4.588 Indonesia Tbk
PT Bank CIMB Niaga Tbk 5.828 5.908 PT Bank CIMB Niaga Tbk
PT Bank Permata Tbk 3.999 177 PT Bank Permata Tbk
Bank Pembangunan Bank Pembangunan
Daerah NTT 250 250 Daerah NTT
PT Bank Negara PT Bank Negara Indonesia
Indonesia (Persero) Tbk 3 3 (Persero) Tbk
Sub jumlah 130.642 126.095 Sub total
- 65 -
Page 596
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
a. Berdasarkan mata uang dan bank (lanjutan) a. By currency and bank (continued)
2024 2023
Jumlah nosional
mata uang asing Jumlah nosional
(angka penuh)/ mata uang asing
Notional amount Ekuivalen (angka penuh)/ Ekuivalen
of foreign rupiah/ Notional amount rupiah/
currency Equivalent of foreign currency Equivalent
(full amount) rupiah (full amount) rupiah
Dolar Amerika Serikat United States Dollar
PT Bank Negara PT Bank Negara
Indonesia (Persero) Tbk 2.985.384 48.050 3.275.617 50.434 Indonesia (Persero) Tbk
PT Bank Mandiri PT Bank Mandiri
(Persero) Tbk 2.598.640 41.825 2.101.443 32.356 (Persero) Tbk
PT Bank ICBC Indonesia 1.264.684 20.355 1.264.363 19.467 PT Bank ICBC Indonesia
PT Bank Central Asia PT Bank Central Asia
Tbk 1.254.129 20.185 1.666.908 25.665 Tbk
Kookmin Bank, Seoul 819.764 13.194 2.472.407 38.068 Kookmin Bank, Seoul
PT Bank Rakyat PT Bank Rakyat
Indonesia (Persero) Tbk 753.343 12.125 1.000.000 15.397 Indonesia (Persero) Tbk
Sub jumlah 9.675.944 155.734 11.780.738 181.387 Sub total
Dolar Singapura Singapore Dollar
United Overseas Bank United Overseas Bank
Ltd, Singapura 2.031.682 24.064 1.186.204 13.851 Ltd, Singapura
PT Bank UOB Indonesia 112.648 1.335 612.658 7.154 PT Bank UOB Indonesia
Sub jumlah 2.144.330 25.399 1.798.862 21.005 Sub total
Yen Jepang Japanese Yen
Sumitomo Mitsui Sumitomo Mitsui
Banking Corporation, Banking Corporation,
Tokyo 10.548.222 1.087 12.053.422 1.312 Tokyo
Euro Eropa European Euro
PT Bank ICBC Indonesia 31.131 522 57.571 981 PT Bank ICBC Indonesia
PT Bank CIMB Niaga Tbk 133.508 2.237 - - PT Bank CIMB Niaga Tbk
Sub jumlah 164.639 2.759 57.571 981 Sub total
Great Britain
Poundsterling Inggris Poundsterling
PT Bank ICBC Indonesia 368.807 7.457 222.279 4.363 PT Bank ICBC Indonesia
Yuan China China Yuan
PT Bank ICBC Indonesia 7.795.610 17.139 185.868 403 PT Bank ICBC Indonesia
PT Bank China PT Bank China
Construction Bank Construction Bank
Indonesia Tbk 357.906 787 - - Indonesia Tbk
Bank of China, Jakarta 1.913.338 4.206 8.638 19 Bank of China, Jakarta
Sub jumlah 10.066.854 22.132 194.506 422 Sub total
Dolar Australia Australian Dollar
PT Bank Central Asia Tbk 298.635 2.990 180.025 1.894 PT Bank Central Asia Tbk
- 66 -
Page 597
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
a. Berdasarkan mata uang dan bank (lanjutan) a. By currency and bank (continued)
2024 2023
Jumlah nosional
mata uang asing Jumlah nosional
(angka penuh)/ mata uang asing
Notional amount Ekuivalen (angka penuh)/ Ekuivalen
of foreign rupiah/ Notional amount rupiah/
currency Equivalent of foreign currency Equivalent
(full amount) rupiah (full amount) rupiah
Dolar Hong Kong Hong Kong Dollar
PT Bank China PT Bank China
Construction Bank Construction Bank
Indonesia Tbk 86.433 179 - Indonesia Tbk
PT Bank Negara Indonesia PT Bank Negara
(Persero) Tbk 549.667 1.140 426.801 841 Indonesia (Persero) Tbk
Sub jumlah 636.100 1.319 426.801 841 Sub total
Jumlah 349.519 338.300 Total
Cadangan kerugian Allowance for impairment
penurunan nilai (89) (3) losses
Jumlah - bersih 349.430 338.297 Total – net
b. Perubahan cadangan kerugian penurunan nilai adalah b. Changes in allowance for impairment losses are as
sebagai berikut: follows:
2024 2023
Pihak ketiga Third party
Mata Uang Asing Foreign Currency
Saldo awal tahun 3 343 Balance at beginning of year
Penyisihan 269 Elimination
Pemulihan (179) - Recovery
Selisih kurs karna penjabaran mata Exchange rate differences due to the
uang asing (4) (58) translation of foreign currencies
Penghapusan - (282) Writte off
Saldo akhir tahun 89 3 Balance at end of year
Bank melakukan penilaian atas penurunan nilai giro The Bank assesses the impairment of current accounts
pada bank lain secara kolektif dengan menggunakan with other banks collective by using objective evidences
bukti objektif penurunan nilai. of impairment.
Pada tanggal 31 Desember 2024 dan 2023, saldo giro As of December 31, 2024 and 2023, the balance of
pada bank lain diklasifikasikan “Lancar”. Manajemen current accounts with other banks were classified as
berkeyakinan bahwa jumlah cadangan kerugian “Current”. Management believes that the allowance for
penurunan nilai yang dibentuk cukup untuk menutupi impairment losses is adequate to cover possible losses
kemungkinan kerugian atas tidak tertagihnya giro pada on uncollectible current accounts with other banks.
bank lain.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no balance
terdapat giro pada bank lain yang digunakan sebagai of current accounts with other banks used as collateral
jaminan dan yang dibatasi penggunaannya. and restricted.
c. Tingkat suku bunga rata-rata per tahun adalah sebagai c. The average interest rates per annum are as follows:
berikut:
2024 2023
Rupiah 0,54% 0,34% Rupiah
Mata Uang Asing 0,00% 0,02% Foreign Currencies
- 67 -
Page 598
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN BANK 7. PLACEMENTS WITH BANK INDONESIA AND OTHER
LAIN BANKS
a. Berdasarkan jenis, mata uang dan bank a. By type, currency and bank
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing mata uang asing
(angka penuh)/ Ekuivalen (angka penuh)/ Ekuivalen
Notional amount of rupiah/ Notional amount rupiah/
foreign currency Equivalent of foreign currency Equivalent
(full amount) rupiah (full amount) rupiah
Rupiah Rupiah
Deposit facility Deposit facility
Bank Indonesia 1.346.804 279.959 Bank Indonesia
Penempatan pada Bank – Placements with Banks –
Call Money 280.000 - Call Money
Penempatan pada Bank – Placements with Banks –
Deposito 100.000 - Deposits
Sub jumlah 1.726.804 279.959 Sub total
Dolar Amerika Serikat United States Dollar
Term deposits Term deposits
Bank Indonesia 28.000.000 450.660 28.000.000 431.116 Bank Indonesia
Jumlah 2.177.464 711.075 Total
b. Berdasarkan sisa umur sampai dengan jatuh tempo b. By remaining maturity period
2024 2023
Rupiah Rupiah
Kurang dari 1 bulan 1.726.804 279.959 Less than 1 month
Dolar Amerika Serikat United States Dollar
Kurang dari 1 bulan 450.660 431.116 Less than 1 month
Jumlah - bersih 2.177.464 711.075 Total – net
c. Tingkat suku bunga rata-rata per tahun adalah sebagai c. The average interest rates per annum are as follows:
berikut:
2024 2023
Rupiah 5,15% 5,15% Rupiah
Dolar Amerika Serikat 5,00% 5,00% United States Dollar
Pada tanggal 31 Desember 2024 dan 2023, seluruh As of December 31, 2024 and 2023, all placements with Bank
penempatan pada Bank Indonesia dan bank lain dikategorikan Indonesia and other banks are classified as “Current”.
“Lancar”.
Pada tanggal 31 Desember 2024 dan 2023, manajemen As of December 31, 2024 and 2023, management believes that
berkeyakinan bahwa tidak terdapat penurunan nilai atas there is no impairment on placements with Bank Indonesia
penempatan pada Bank Indonesia dan bank lain sehingga others banks, therefore no allowance for impairment losses is
tidak diperlukan pembentukan cadangan kerugian penurunan provided.
nilai.
Pada tanggal 31 Desember 2024 dan 2023, tidak terdapat As of December 31, 2024 and 2023, there are no balance of
penempatan pada Bank Indonesia dan bank lain yang placements with Bank Indonesia and other banks used as
digunakan sebagai jaminan. collateral.
- 68 -
Page 599
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK 8. MARKETABLE SECURITIES
a. Berdasarkan tujuan, jenis dan mata uang a. By purpose, type and currency
2024 2023
Nilai wajar melalui laba rugi Fair value through profit or loss
Rupiah Rupiah
SRBI 45.507 - SRBI
Surat Utang Non-Bank 719.796 69.798 Non-Bank Bonds
Obligasi Pemerintah 9.774 237.366 Government Bonds
775.077 307.164
Dollar Amerika Serikat United States Dollar
Obligasi Pemerintah 206.358 - Government Bonds
Sub jumlah 981.435 307.164 Sub total
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi Pemerintah 242.974 198.560 Government Bonds
SBI 222.807 - SBI
Obligasi Korporasi 188.936 462.584 Corporate Bonds
Obligasi Ritel 79.861 78.449 Retail Bonds
Obligasi Bank - 206.008 Bank Bonds
SRBI - 143.124 SRBI
734.578 1.088.725
Dollar Amerika Serikat United States Dollar
Surat Berharga Syariah Negara (SBSN) 145.467 153.153 State Sharia Securities (SBSN))
Sub jumlah 880.045 1.241.878 Sub total
Biaya perolehan yang diamortisasi Amortized cost
Rupiah Rupiah
Obligasi Korporasi 3.018.826 2.342.527 Corporate Bond
SRBI 1.786.406 - SRBI
Obligasi Pemerintah 1.570.085 1.262.344 Government Bonds
Obligasi Ritel 119.025 199.269 Retail Bond
Obligasi Bank 14.963 157.000 Bank Bond
Medium Term Notes (MTN) - 200.000 Medium Term Notes (MTN)
6.509.305 4.161.140
Dollar Amerika Serikat United States Dollar
Obligasi Pemerintah 80.511 77.914 Government Bonds
Obligasi Non-Bank 51.480 - Non-Bank Bonds
131.991 77.914
Sub jumlah 6.641.296 4.239.054 Sub total
Jumlah 8.502.776 5.788.096 Total
Cadangan kerugian penurunan nilai (1.214) (682) Allowance for impairment losses
Jumlah – bersih 8.501.562 5.787.414 Total – net
- 69 -
Page 600
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
b. Berikut ini adalah ikhtisar peringkat dari pemeringkat b. The following is the overview of ratings from ratings
efek-efek Pemeringkat Efek Indonesia (Pefindo) dan institution Pemeringkat Efek Indonesia (Pefindo) and
Fitch Rating Indonesia untuk tujuan investasi yang Firch Rating Indonesia of securities for investment
dimiliki Bank untuk periode berakhir 31 Desember 2024 purposes by the Bank for period ended December, 31
dan 31 Desember 2023: 2024 and December 31, 2023:
2024 2023
Nama penerbit/ Peringkat/ Peringkat/
Publisher name Rating Rating
PT Adira Dinamika Multifinance Tbk AAA AAA
PT Astra Sedaya Finance AAA AAA
PT Bank Negara Indonesia Tbk AAA AAA
PT Bank Rakyat Indonesia Tbk AAA AAA
PT Bank Sinar Harapan Bali - AA
PT Bank Tabungan Negara Tbk - AA+
PT Barito Pacific Tbk A+ A+
PT BFI Finance Indonesia Tbk AA- AA-
PT BRI Multifinance AA AA
PT Federal International Finance AAA AAA
PT Indonesia Infrastructure Finance AAA AAA
PT Kereta Api Indonesia AAA AAA
PT Merdeka Copper Gold Tbk A+ A+
PT Pegadaian AAA AAA
PT Permodalan Nasional Madani AA+ AA
PT Perusahaan Listrik Negara BBB -
PT Perusahaan Pengelola Aset AA AA
PT Profesional Telekomunikasi Indoneisa AAA -
PT Protelindo Tbk - AAA
PT Sampoerna Agro Tbk A A
PT Sarana Multi Infrastruktur AAA AAA
PT Sarana Multigriya Finansial AAA AAA
PT Semen Indonesia Tbk - AA+
PT Sinar Mas Agro Resources Tech Tbk AA- AAA
PT Surya Artha Nusantara Finance AA AA
PT Tower Bersama Infrastructure Tbk AA+ AA+
PT Toyota Astra Financial Services AAA AA+
MTN PT Dayamitra Telekomunikasi Tbk - AAA
Sukuk PT Adira Dinamika Multifinance Tbk AAA AAA
Sukuk PT Pegadaian AAA -
Sukuk PT Permodalan Nasional Madani AA+ AA+
Sukuk PT Kereta Api Indonesia AAA -
c. Suku bunga per tahun efek-efek adalah sebagai berikut: c. Interest Rate per annum of securities are as follows:
2024 2023
Rupiah Rupiah
Obligasi Pemerintah 6,13% - 11,00% 3,90% – 11,00% Government Bonds
Obligasi Korporasi 5,50% - 10,55% 5,30% -7,00% Corporate Bonds
Obligasi Ritel 4,90% 4,90% – 5,57% Retail Bonds
Obligasi Bank 5,75% - 6,90% 6,50% Bank Bonds
Obligasi Non-Bank 10,50% - Non-Bank Bonds
Sekuritas Rupiah Bank Indonesia Bank Indonesia Rupiah Securities
(SRBI) 6,80% - 7,50% 6,32% – 6,90% (SRBI)
Medium Term Notes (MTN) - 6,20% Medium Term Notes (MTN)
Tagihan Wesel Ekspor 9,00% 9,00% Export Bills Receivable
Mata uang asing Foreign Currency
Obligasi Pemerintah 2,30% - 4,13% 3,90% – 4,35% Government Bonds
Obligasi Korporasi 1,50% - 5,45% - Corporate Bonds
- 70 -
Page 601
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan sisa umur sampai dengan jatuh tempo: d. By remaining period to maturity
2024 2023
Rupiah Rupiah
Nilai wajar melalui laba rugi Fair value through profit or loss
1 sampai dengan 3 bulan - - 1 up to 3 months
3 sampai dengan 12 bulan 719.796 216.915 3 up to 12 months
1 sampai dengan 2 tahun 45.507 40.054 1 up to 2 years
Lebih dari 2 tahun 9.774 50.195 More than 2 years
Sub jumlah 775.077 307.164 Sub total
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
1 sampai dengan 3 bulan 159.856 104.397 1 up to 3 months
3 sampai dengan 12 bulan 349.627 579.205 3 up to 12 months
1 sampai dengan 2 tahun 92.506 298.376 1 up to 2 years
Lebih dari 2 tahun 132.589 106.747 More than 2 years
Sub jumlah 734.578 1.088.725 Sub total
Biaya perolehan yang diamortisasi At amortized cost
1 sampai dengan 3 bulan 1.037.926 649.320 1 up to 3 months
3 sampai dengan 12 bulan 2.912.215 1.350.106 3 up to 12 months
1 sampai dengan 2 tahun 1.182.428 1.301.935 1 up to 2 years
Lebih dari 2 tahun 1.376.736 859.779 More than 2 years
Sub jumlah 6.509.305 4.161.140 Sub total
Dolar Amerika Serikat United States Dollar
Nilai wajar melalui laba rugi Fair value through profit or loss
Sampai dengan 1 tahun 206.358 - Up to 1 year
Sub jumlah 206.358 - Sub total
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Sampai dengan 1 tahun 145.467 153.153 Up to 1 year
Sub jumlah 145.467 153.153 Sub total
Biaya perolehan yang diamortisasi At amortized cost
Sampai dengan 1 tahun 80.511 - Up to 1 year
Lebih dari1 tahun 51.480 77.914 More than 1 year
Sub jumlah 131.991 77.914 Sub total
Jumlah 8.502.776 5.788.096 Total
Cadangan kerugian penurunan nilai (1.214) (682) Allowance for impairment losses
Jumlah – bersih 8.501.562 5.787.414 Total marketable securities – net
e. Berdasarkan efek-efek pemerintah dan bukan e. By government and non-government securities
pemerintah
2024 2023
Rupiah Rupiah
Efek-efek Pemerintah 1.822.833 1.698.270 Government securities
Efek-efek bukan Pemerintah 6.196.127 3.858.759 Non-Government securities
8.018.960 5.557.029
Dolar Amerika Serikat United States Dollar
Efek-efek Pemerintah 286.869 77.914 Government securities
Efek-efek bukan Pemerintah 196.947 153.153 Non-Government securities
483.816 231.067
Jumlah 8.502.776 5.788.096 Total
Cadangan kerugian penurunan nilai (1.214) (682) Allowance for impairment losses
Jumlah efek-efek – bersih 8.501.562 5.787.414 Total marketable securities – net
- 71 -
Page 602
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
f. Perubahan keuntungan yang belum direalisasi dari f. Changes in unrealized gain from changes in fair value
perubahan nilai wajar efek-efek yang nilai wajar melalui of through other comprehensive income are as follows:
komprehensif lain adalah sebagai berikut:
2024 2023
Saldo awal tahun – sebelum pajak Balance at beginning of year- before
penghasilan tangguhan 2.886 17.506 deferred income tax
Kerugian yang belum direalisasi Unrealized loss during the year
selama tahun berjalan (1.154) (14.620)
Saldo akhir tahun – sebelum Balance at end of year -
pajak penghasilan tangguhan 1.732 2.886 before deferred income tax
Pajak penghasilan tangguhan
(Catatan 23b) (325) (544) Deferred income tax (Note 23b)
Saldo akhir tahun – setelah pajak Balance at end of year – after
penghasilan tangguhan 1.407 2.342 deferred income tax
g. Perubahan cadangan kerugian penurunan nilai adalah g. Changes in the allowance for impairment losses are as
sebagai berikut: follows:
2024 2023
Saldo awal tahun 683 548 Balance at beginning of year
Penyisihan (pemulihan) kerugian Allowance (recovery) of
penurunan nilai 533 138 impairment losses
Selisih kurs karna penjabaran mata Exchange rate differences due to
uang asing (2) (3) the translation of foreign currencies
Saldo akhir tahun 1.214 683 Balance at end of year
Keuntungan penjualan efek-efek untuk periode yang berakhir Gains on securities sale for the period ended December, 31
pada tanggal 31 Desember 2024 dan 31 Desember 2023 2024 and December 31, 2023 amounted to Rp53,289 and
masing-masing sebesar Rp53.289 dan Rp28.839. Rp28,839 respectively.
Bank melakukan penilaian atas penurunan nilai efek-efek The Bank assesses the impairment of marketable securities
secara kolektif dengan menggunakan Vasicek. collective using Vasicek
Manajemen berkeyakinan bahwa jumlah cadangan kerugian Management believes that the allowance for impairment
penurunan nilai yang dibentuk cukup untuk menutupi losses is adequate to cover possible losses on uncollectible
kemungkinan kerugian atas tidak tertagihnya efek-efek. marketable securities.
Bank memiliki efek yang dijaminkan dengan total nilai wajar The Bank has securities pledged as collateral with a total fair
sebesar Rp516.412. Efek ini dijaminkan berdasarkan value of Rp516,412. These securities are pledged based on a
perjanjian repurchase agreement (repo) dengan pihak repurchase agreement (repo) with certain banks/financial
perbankan/lembaga keuangan tertentu sebagai jaminan atas institutions as collateral for loans received.
pinjaman yang diterima.
Pada tanggal 31 Desember 2024 dan 31 Desember 2023, As of December, 31 2024 and December 31, 2023, all
seluruh efek-efek diklasifikasikan “Lancar”. marketable securities are classified as “Current”.
- 72 -
Page 603
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
9. EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER AGREEMENT TO
KEMBALI RESELL
2024
Pendapatan
Tingkat Harga bunga yang Nilai
suku bunga Tanggal Tanggal penjualan penjualan belum diakui/ tercatat/
(%)/ Interest pembelian/ kembali/ Range of kembali/ Unearned Carrying
rate (%) Purchase date resale date Resale price interest amount
Transaksi dengan Transactions with
Bank Indonesia Bank Indonesia
Surat Utang Negara Government Bonds
VR0034 - 020368 6,00 27 Des/ Dec 2024 3 Jan/ Jan 2025 98.923 33 98.890 VR0034 - 020368
VR0034 – 020376 6,00 31 Des/ Dec 2024 7 Jan/ Jan 2025 495.016 494 494.522 VR0034 – 020376
VR0042 - 020370 6,00 30 Des/ Dec 2024 6 Jan/ Jan 2025 98.153 82 98.071 VR0042 - 020370
Sekuritas Rupiah Bank Indonesia
Bank Indonesia Rupiah Securities
001063-800005- 001063-800005-
061 6,72 25 Nov/ Nov 2024 30 Jan/ Jan 2025 193.351 1.034 192.317 061
FR0090 - 020377 6,00 31 Des/ Dec 2024 31 Jan/ Jan 2025 92.772 507 92.265 FR0090 – 020377
Jumlah 978.215 2.150 976.065 Total
Cadangan kerugian Allowance for
penurunan nilai - - (2) impairment losses
Jumlah - bersih 978.215 2.150 976.063 Total - net
2023
Pendapatan
Tingkat suku Tanggal Harga bunga yang Nilai
bunga (%)/ Tanggal penjualan penjualan belum diakui/ tercatat/
Interest rate pembelian/ kembali/ Range of kembali/ Unearned Carrying
(%) Purchase date resale date Resale price interest amount
Obligasi non bank Obligasi non bank
PT.Inigo Global PT.Inigo Global
Capital – 019628 13,50 22 Des/Dec 2023 22 Apr/Apr 2024 130.719 5.250 125.469 Capital - 019628
Jumlah 130.719 5.250 125.469 Total
Cadangan kerugian Allowance for
penurunan nilai - - - impairment losses
Jumlah bersih 130.719 5.250 125.469 Total - net
Perubahan cadangan kerugian penurunan nilai adalah sebagai Changes in the allowance for impairment losses are as
berikut: follows:
2024 2023
Saldo awal tahun - 1 Balance at beginning of year
Penyisihan kerugian penurunan nilai 2 - Allowance for impairment losses
Penghapusan kerugian penurunan nilai - (1) Write-off of impairment losses
Saldo akhir tahun 2 - Balance at end of year
Bank melakukan penilaian atas penurunan nilai efek-efek The Bank assesses the impairment of securities purchased
yang dibeli dengan janji dijual kembali secara kolektif dengan under agreement to resell collective by using Vasicek.
menggunakan Vasicek.
Manajemen berkeyakinan bahwa jumlah cadangan kerugian Management believes that the allowance for impairment
penurunan nilai yang dibentuk cukup untuk menutupi losses is adequate to cover possible losses on uncollectible
kemungkinan kerugian atas tidak tertagihnya efek-efek yang securities purchased under agreement to resell.
dibeli dengan janji dijual kembali.
Pada tanggal 31 Desember 2024 dan 31 Desember 2023, As of December, 31 2024 and December 31, 2023, all
seluruh efek-efek yang dibeli dengan janji dijual kembali securities purchased under agreement to resell are classified
diklasifikasikan “Lancar”. as “Current”.
- 73 -
Page 604
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
10. TAGIHAN DAN LIABILITAS DERIVATIF 10. DERIVATIVE RECEIVABLES AND PAYABLES
Bank melakukan transaksi derivatif dalam bentuk pembelian The Bank’s derivative instruments principally consist of
dan penjualan spot dan forward valuta asing. foreign currencies spot and forward sales and purchases.
Risiko pasar dari transaksi derivatif timbul dari potensi The market risk of derivative transactions arise from potential
perubahan nilai akibat fluktuasi kurs mata uang asing, changes in value due to fluctuations in foreign exchange
sedangkan risiko kredit timbul dalam hal pihak lain tidak rates, while credit risks is the possibility that a loss may occur
memenuhi kewajibannya kepada Bank. due to the failure of counterparty to fulfill its obligation
according to the term of contract.
Jangka waktu dari pembelian dan penjualan berjangka valuta Term of the Bank’s forward and spot foreign exchange
asing berkisar antara dan 3 sampai dengan 6 hari pada contracts ranging from and 3 to 6 days as of December 31,
tanggal 31 Desember 2024. 2024.
Rincian tagihan dan liabilitas derivatif adalah sebagai The details of derivative receivables and payables are as
berikut: follows:
2024
Nilai nosional Tagihan Liabilitas
(angka penuh)/ derivatif/ derivatif/
Notional value Derivative Derivative
(full amount) receivables payables
Pihak ketiga Third parties
Penjualan forward valuta asing Foreign currencies forward sales
PT Bank Mandiri (Persero) Tbk SGD 2.000.000 48 - PT Bank Mandiri (Persero) Tbk
Jumlah 48 - Total
2023
Nilai nosional Tagihan Liabilitas
(angka penuh)/ derivatif/ derivatif/
Notional value Derivative Derivative
(full amount) receivables payables
Pihak ketiga Third parties
Penjualan forward valuta asing Foreign currencies forward sales
PT Bank Woori Saudara Indonesia USD 1.000.000 23 - PT Bank Woori Saudara Indonesia
1960 Tbk 1960 Tbk
PT Bank Negara Indonesia Tbk USD 5.000.000 - 717 PT Bank Negara Indonesia Tbk
PT Bank Mega Tbk USD 2.500.000 - 231 PT Bank Mega Tbk
Sub Jumlah 23 948 Sub total
Pembelian spot Foreign currencies spot purchase
PT Bank Woori Saudara Indonesia USD 1.000.000 12 - PT Bank Woori Saudara Indonesia
1906 Tbk 1906 Tbk
PT Bank BNI (Persero) Tbk USD 1.000.000 - 53 PT Bank BNI (Persero) Tbk
PT Bank BNI (Persero) Tbk USD 1.000.000 - 25 PT Bank BNI (Persero) Tbk
PT Bank Sinarmas Tbk USD 1.000.000 - 8 PT Bank Sinarmas Tbk
PT Bank Sinarmas Tbk USD 1.000.000 - 23 PT Bank Sinarmas Tbk
Sub Jumlah 12 109 Sub total
Jumlah 35 1.057 Total
Pada tanggal 31 Desember 2024, seluruh tagihan derivatif As of December 31, 2024, all derivative receivables are
diklasifikasikan “Lancar”. classified as “Current”.
Pada tanggal 31 Desember 2024, manajemen berkeyakinan As of December 31, 2024, management believes that there is
bahwa tidak terdapat penurunan nilai atas tagihan derivatif, no impairment on derivative receivables, therefore no
sehingga tidak diperlukan pembentukan cadangan kerugian allowance for impairment losses was provided.
penurunan nilai.
- 74 -
Page 605
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
11. PENDAPATAN BUNGA YANG MASIH AKAN 11. ACCRUED INTEREST RECEIVABLES
DITERIMA
Rincian pendapatan bunga yang masih akan diterima adalah The details of accrued interest receivables are as follows:
sebagai berikut:
2024 2023
Jumlah Jumlah
nosional mata nosional mata
uang asing uang asing
(angka penuh)/ (angka penuh)/
Notional Notional
amount of Ekuivalen amount of Ekuivalen
foreign rupiah/ foreign rupiah/
currency Equivalent currency Equivalent
(full amount) rupiah (full amount) rupiah
Rupiah Rupiah
Kredit yang diberikan 193.721 273.272 Loans
Efek-efek 56.372 47.944 Marketable securities
Penempatan pada Placement with Bank
Bank Indonesia dan Indonesia and other
bank lain 438 - Banks
Sub jumlah 250.531 321.216 Sub total
Dolar Amerika Serikat United States Dollar
Kredit yang diberikan 28.271 455 87.293 1.344 Loans
Efek-efek 121.900 1.962 235.463 3.625 Marketable securities
Penempatan pada Placement with Bank
Bank Indonesia dan Indonesia and other
bank lain 17.345 279 12.460 191 banks
Sub jumlah 2.696 5.160 Sub total
Dolar Singapura Singapore Dollar
Kredit yang diberikan 3.220 38 3.912 46 Loans
Sub jumlah 38 46 Sub total
Jumlah 253.265 326.422 Total
12. BIAYA DIBAYAR DI MUKA 12. PREPAID EXPENSES
Rincian biaya dibayar di muka adalah sebagai berikut: The details of prepaid expenses are as follows:
2024 2023
Sewa dan operasional 106.154 137.041 Rent and operational
Pemasaran 9.312 6.265 Marketing
Renovasi dan pemeliharaan gedung 6.274 1.028 Renovation and maintenance building
Karyawan 1.070 302 Employee
Asuransi - 5 Insurance
Jumlah 122.810 144.641 Total
- 75 -
Page 606
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN 13. LOANS
a. Berdasarkan jenis, mata uang dan pihak a. By type, currency and party
Rincian kredit yang diberikan berdasarkan jenis dan The details of loans based on type and party are as
pihak adalah sebagai berikut: follows:
2024 2023
Pihak berelasi (Catatan 38) Related parties (Note 38)
Rupiah Rupiah
Fixed loans 143.696 99.940 Fixed loans
Kredit pemilikan rumah 104.631 116.482 Housing ownership loans
Revolving loans 73.359 94.698 Revolving loans
Pinjaman rekening koran 5.128 - Overdraft
326.814 311.120
Pihak ketiga Third parties
Rupiah Rupiah
Revolving loans 4.031.828 4.570.194 Revolving loans
Fixed loans 3.300.576 3.608.171 Fixed loans
Kredit pemilikan rumah dan apartemen 2.050.615 2.283.825 Housing and apartment ownership loans
Kredit sindikasi 255.432 534.357 Syndicated loans
Pinjaman rekening koran 200.083 175.278 Overdraft
Pinjaman karyawan 120.782 41.940 Employee loans
Kredit usaha rakyat 42.331 241 Micro community commercial loans
Kredit tanpa agunan 21.984 24.040 Unsecured loans
Kredit pemilikan mobil 165 213 Car loans
Kredit pemilikan kios - 82.148 Kiosk loans
10.023.796 11.320.407
Mata Uang Asing Foreign Currencies
Revolving loans 134.498 302.087 Revolving loans
Fixed loans 120.371 213.755 Fixed loans
254.869 515.842
Sub jumlah 10.278.665 11.836.249 Sub total
Jumlah kredit 10.605.479 12.147.369 Total loans
Cadangan kerugian penurunan nilai (531.907) (510.636) Allowance for impairment losses
Jumlah kredit – bersih 10.073.572 11.636.733 Total loans – net
Rincian kredit yang diberikan berdasarkan mata uang The details of loans based on currencies are as follows:
adalah sebagai berikut:
2024 2023
Jumlah Jumlah
nosional mata nosional mata
uang asing uang asing
(angka penuh)/ (angka penuh)/
Notional Notional
amount of Ekuivalen amount of Ekuivalen
foreign rupiah/ foreign rupiah/
currency Equivalent currency Equivalent
(full amount) rupiah (full amount) rupiah
Rupiah Rupiah
Pihak berelasi 326.814 311.120 Related parties
(Catatan 38) (Note 38)
Pihak ketiga 10.023.796 11.320.407 Third parties
Sub jumlah 10.350.610 11.631.527 Sub total
- 76 -
Page 607
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN (lanjutan) 13. LOANS (continued)
a. Berdasarkan jenis, mata uang dan pihak (lanjutan) a. By type, currency and party (continued)
Rincian kredit yang diberikan berdasarkan mata uang The details of loans based on currencies are as follows
adalah sebagai berikut (lanjutan): (continued):
2024 2023
Jumlah Jumlah
nosional mata nosional mata
uang asing uang asing
(angka penuh)/ (angka penuh)/
Notional Notional
amount of Ekuivalen amount of Ekuivalen
foreign rupiah/ foreign rupiah/
currency Equivalent currency Equivalent
(full amount) rupiah (full amount) rupiah
Mata Uang Asing Foreign Currencies
Pihak ketiga Third parties
Dolar Amerika
Serikat 15.032.009 241.941 32.484.064 500.158 United States Dollar
Dolar Singapura 1.091.425 12.928 1.343.243 15.684 Singapore Dollar
Sub jumlah 254.869 515.842 Sub total
Jumlah 10.605.479 12.147.369 Total
Cadangan kerugian Allowance for
penurunan nilai (531.907) (510.636) impairment losses
Jumlah kredit - bersih 10.073.572 11.636.733 Total loans – net
b. Berdasarkan sektor ekonomi b. By economic sector
2024 2023
Pihak berelasi (Catatan 38) Related parties (Note 38)
Rupiah Rupiah
Restoran dan hotel 67.012 49.364 Restaurant and hotel
Lain-lain 259.802 261.756 Others
Sub jumlah 326.814 311.120 Sub total
Pihak ketiga Third parties
Rupiah Rupiah
Industri 1.772.453 1.188.512 Industry
Pertanian dan pertambangan 728.176 967.667 Agribusiness and mining
Restoran dan hotel 595.349 606.876 Restaurant and hotel
Perdagangan 585.946 361.735 Trading
Transportasi dan komunikasi 501.596 619.310 Transportation and communication
Konstruksi 327.040 370.815 Construction
Jasa 5.317 1.828 Services
Lain-lain 5.507.919 7.203.664 Others
10.023.796 11.320.407
Mata Uang Asing Foreign Currencies
Pertanian dan pertambangan 122.504 370.361 Agribusiness and mining
Industri 121.281 133.923 Industry
Perdagangan 10.739 10.768 Trading
Lain-lain 345 790 Others
254.869 515.842
Sub jumlah 10.278.665 11.836.249 Sub total
Jumlah kredit 10.605.479 12.147.369 Total loans
Cadangan kerugian penurunan nilai (531.907) (510.636) Allowance for impairment losses
Jumlah kredit – bersih 10.073.572 11.636.733 Total loans – net
Pada tanggal 31 Desember 2024 dan 2023, persentase kredit As of December 31, 2024 and 2023, percentage of
yang diberikan kepada usaha mikro, kecil dan menengah loans were granted to micro, small and medium
masing-masing sebesar 3,39% dan 2,70%. business was, 3.39% and 2.70%, respectively.
- 77 -
Page 608
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN (lanjutan) 13. LOANS (continued)
c. Berdasarkan jangka waktu periode perjanjian kredit c. By term of the loan agreement
2024 2023
Pihak berelasi (Catatan 38) Related parties (Note 38)
Rupiah Rupiah
Kurang dari 1 tahun 326.814 311.120 Less than 1 year
Sub jumlah 326.814 311.120 Sub total
Pihak ketiga Third parties
Rupiah Rupiah
Kurang dari 1 tahun 3.031.555 1.758.786 Less than 1 year
1 sampai dengan 2 tahun 616.741 2.501.235 1 to 2 years
2 sampai dengan 5 tahun 1.178.512 1.537.340 2 to 5 years
Lebih dari 5 tahun 5.196.988 5.523.046 More than 5 years
10.023.796 11.320.407
Mata Uang Asing Foreign Currencies
Kurang dari 1 tahun 11.993 - Less than 1 year
1 sampai dengan 2 tahun 122.504 302.086 1 to 2 years
2 sampai dengan 5 tahun - 80.523 2 to 5 years
Lebih dari 5 tahun 120.372 133.233 More than 5 years
254.869 515.842
Sub jumlah 10.278.665 11.836.249 Sub total
Jumlah kredit 10.605.479 12.147.369 Total loans
Cadangan kerugian penurunan nilai (531.907) (510.636) Allowance for impairment losses
Jumlah kredit - bersih 10.073.572 11.636.733 Total loans – net
d. Berdasarkan sisa umur sampai dengan jatuh tempo d. By maturity term
2024 2023
Pihak berelasi (Catatan 38) Related parties (Note 38)
Rupiah Rupiah
Kurang dari 1 tahun 326.814 311.120 Less than 1 year
Sub jumlah 326.814 311.120 Sub total
Pihak ketiga Third parties
Rupiah Rupiah
Kurang dari 1 tahun 3.806.476 4.500.395 Less than 1 year
1 sampai dengan 2 tahun 819.610 340.274 1 to 2 years
2 sampai dengan 5 tahun 2.214.455 2.848.918 2 to 5 years
Lebih dari 5 tahun 3.183.255 3.630.820 More than 5 years
10.023.796 11.320.407
Mata Uang Asing Foreign Currencies
Kurang dari 1 tahun 134.841 382.609 Less than 1 year
1 sampai dengan 2 tahun 119.397 789 1 to 2 years
2 sampai dengan 5 tahun 631 131.741 2 to 5 years
Lebih dari 5 tahun - 703 More than 5 years
254.869 515.842
Sub jumlah 10.278.665 11.836.249 Sub total
Jumlah kredit 10.605.479 12.147.369 Total loans
Cadangan kerugian penurunan nilai (531.907) (510.636) Allowance for impairment losses
Jumlah kredit – bersih 10.073.572 11.636.733 Total loans – net
- 78 -
Page 609
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN (lanjutan) 13. LOANS (continued)
e. Berdasarkan klasifikasi individual dan kolektif e. By individual and collective classification
2024 2023
Cadangan Cadangan
kerugian kerugian
penurunan penurunan
nilai/ nilai/
Allowance for Allowance for
Pokok/ impairment Pokok/ impairment
Principal losses Principal losses
Rupiah Rupiah
Kolektif 7.271.507 80.374 7.695.290 69.494 Collective
Individual 3.079.103 450.067 3.936.237 434.831 Individual
Sub jumlah 10.350.610 530.441 11.631.527 504.325 Sub total
Mata Uang Asing Foreign Currencies
Kolektif 132.363 733 515.842 6.311 Collective
Individual 122.506 733 - - Individual
Sub jumlah 254.869 1.466 515.842 6.311 Sub total
Jumlah 10.605.479 531.907 12.147.369 510.636 Total
f. Berdasarkan klasifikasi kolektibilitas f. By collectibility classification
2024
Rupiah/ Mata Uang Asing/ Jumlah/
Rupiah Foreign Currencies Total
Lancar 9.824.592 254.869 10.079.461 Current
Dalam perhatian khusus 271.916 - 271.916 Special mention
Kurang lancar 17.103 - 17.103 Substandard
Diragukan 20.894 - 20.894 Doubtful
Macet 216.105 - 216.105 Loss
Jumlah kredit 10.350.610 254.869 10.605.479 Total loans
Cadangan kerugian Allowance for
penurunan nilai (528.966) (2.941) (531.907) impairment losses
Jumlah kredit – bersih 9.821.644 251.928 10.073.572 Total loans – net
2023
Rupiah/ Mata Uang Asing/ Jumlah/
Rupiah Foreign Currencies Total
Lancar 10.840.067 515.352 11.355.419 Current
Dalam perhatian khusus 580.183 490 580.673 Special mention
Kurang lancar 20.539 - 20.539 Substandard
Diragukan 12.772 - 12.772 Doubtful
Macet 177.966 - 177.966 Loss
Jumlah kredit 11.631.527 515.842 12.147.369 Total loans
Cadangan kerugian Allowance for
penurunan nilai (504.325) (6.311) (510.636) impairment losses
Jumlah kredit – bersih 11.127.202 509.531 11.636.733 Total loans – net
- 79 -
Page 610
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN (lanjutan) 13. LOANS (continued)
g. Kredit yang direstrukturisasi g. Restructured loans
Rincian kredit yang direstrukturisasi berdasarkan mata The details of restructured loan based on currencies,
uang, jenis dan kolektibilitas adalah sebagai berikut: type and collectability are as follows:
2024
Dalam
perhatian Kurang
khusus/ lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Jenis/ Type Current mention standard Doubtful Loss Total
Pihak berelasi/ Related parties
Fixed loans - - - - - -
Kredit pemilikan rumah/
Housing ownership loans - - - - - -
Jumlah/ Total -
Cadangan kerugian penurunan nilai/
Allowance for impairment losses - - - - - -
Jumlah/ Total - - - - - -
Pihak ketiga/ Third parties
Fixed loans 976.728 5.222 - - 88.239 1.070.189
Revolving loans 148.854 - - - 35.004 183.858
Kredit pemilikan rumah dan
apartemen/ Housing and
apartment ownership loans 73.254 27.189 3.692 9.521 10.540 124.196
Lain-lain/ Others 145.651 - - - 70 145.721
Jumlah/ Total 1.344.487 32.411 3.692 9.521 133.853 1.523.964
Cadangan kerugian penurunan nilai/
Allowance for impairment losses (195.660) (1.263) (2.716) (4.407) (81.536) (285.582)
Jumlah/ Total 1.148.827 31.148 976 5.114 52.317 1.238.382
Jumlah kredit - bersih/
Total loans - net 1.148.827 31.148 976 5.114 52.317 1.238.382
2023
Dalam
perhatian Kurang
khusus/ lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Jenis/ Type Current mention standard Doubtful Loss Total
Pihak berelasi/ Related parties
Fixed loans 48.272 - - - - 48.272
Kredit pemilikan rumah/ 82.718 - - - - 82.718
Housing ownership loans
Jumlah/ Total 130.990 130.990
Cadangan kerugian penurunan nilai/ (2.927) - - - - (2.927)
Allowance for impairment losses
Jumlah/ Total 128.063 - - - - 128.063
Pihak ketiga/ Third parties
Fixed loans 1.527.299 14.240 - 52 51.375 1.592.966
Revolving loans 153.979 - - - 17.899 171.878
Kredit pemilikan rumah dan
apartemen/ Housing and
apartment ownership loans 104.555 76.556 10.225 3.769 11.977 207.082
Lain-lain/ Others 147.924 230.069 - - 1.771 379.764
Jumlah/ Total 1.933.757 320.865 10.225 3.821 83.022 2.351.690
Cadangan kerugian penurunan nilai/
Allowance for impairment losses (211.727) (37.811) (4.586) (2.689) (79.207) (336.020)
Jumlah/ Total 1.722.030 283.054 5.639 1.132 3.815 2.015.670
Jumlah kredit - bersih/
Total loans - net 1.850.093 283.054 5.639 1.132 3.815 2.143.733
- 80 -
Page 611
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN (lanjutan) 13. LOANS (continued)
g. Kredit yang direstrukturisasi (lanjutan) g. Restructured loans (continued)
Untuk tahun yang berakhir pada tanggal-tanggal As of December 31, 2024 and 2023, there were no gains
31 Desember 2024 dan 2023, tidak terdapat keuntungan or losses arising from restructured loans.
atau kerugian dari kredit yang direstrukturisasi.
h. Cadangan kerugian penurunan nilai h. Allowance for impairment losses
Perubahan cadangan kerugian penurunan nilai untuk The changes of allowance for impairment losses of loans
kredit yang diberikan untuk kelompok individual dan to individual and collective Banks are as follows:
kolektif adalah sebagai berikut:
2024 2023
Individual/ Kolektif/ Individual/ Kolektif/
Individual Collective Individual Collective
Rupiah Rupiah
Saldo awal tahun 406.169 99.385 394.379 97.798 Balance at beginning of year
Penyisihan (pemulihan) Provision for (reversal of)
kerugian penurunan nilai 57.683 (18.686) 41.729 1.762 impairment losses
Penghapusbukuan kredit (13.785) (325) (29.939) (175) Writen-off loans
Saldo akhir tahun 450.067 80.374 406.169 99.385 Balance at end of year
Mata Uang Asing Foreign Currencies
Saldo awal tahun - 5.082 23.214 9.196 Balance at beginning of year
Penyisihan (pemulihan) Provision for (reversal of)
kerugian penurunan nilai 733 (4.292) (23.267) (4.114) impairment losses
Penyesuaian selisih kurs - (57) 53 - Exchange rate adjustment
Saldo akhir tahun 733 733 - 5.082 Balance at end of year
Jumlah 450.800 81.107 406.169 104.467 Total
Pada tanggal 31 Desember 2024 dan 2023, manajemen As of December 31, 2024 and 2023, management
berkeyakinan bahwa cadangan kerugian penurunan nilai believes that the allowance for impairment losses is
yang dibentuk adalah cukup untuk menutupi adequate to cover possible losses from uncollectible
kemungkinan kerugian yang timbul akibat tidak loans.
tertagihnya kredit yang diberikan.
i. Kredit bermasalah i. Non-performing loans
Rincian kredit bermasalah (kurang lancar, diragukan The details of non-performing loans (substandard,
dan macet) yang dinilai secara individual dan kolektif doubtful and loss) that assessed individually and
berdasarkan sektor ekonomi, serta cadangan kerugian collectively based on economic sectors, and allowance
penurunan nilai adalah sebagai berikut: for impairment losses are as follows:
2024 2023
Cadangan
kerugian Cadangan kerugian
penurunan nilai/ penurunan nilai/
Pokok/ Allowance for Pokok/ Allowance for
Principal impairment losses Principal impairment losses
Rupiah/ Rupiah
Konstruksi/ Construction 26.147 25.980 45.505 36.220
Perdagangan/ Trading 21.078 13.374 14.898 13.476
Industri/ Industry - - 3.915 3.883
Restoran dan hotel/
Restaurant and hotel 5.303 4.244 2.118 1.937
Pertanian dan pertambangan/
Agriculture and mining 33.978 8.387 827 758
Transportasi dan komunikasi/
Transportation and communication 2.115 1.884 - -
Lain-lain/ Others 165.481 118.911 144.014 116.692
Jumlah/ Total 254.102 172.780 211.277 172.966
Pada tanggal 31 Desember 2024 dan 2023, rasio kredit As of December 31, 2024 and 2023, non-performing
bermasalah terhadap jumlah aset keuangan Bank loans ratio to Bank’s total financial assets of 0.78% and
masing-masing sebesar 0,78% dan 0,31%. 0.31% respectively.
- 81 -
Page 612
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN (lanjutan) 13. LOANS (continued)
i. Kredit bermasalah (lanjutan) i. Non-performing loans (continued)
Pada tanggal 31 Desember 2024 dan 2023, jumlah As of December 31, 2024 and 2023, the minimum
minimum cadangan kerugian penurunan nilai yang allowance for impairment losses which is required by
wajib dibentuk sesuai dengan ketentuan Bank Indonesia Bank Indonesia for calculation of Capital Adequacy
untuk perhitungan Kewajiban Penyediaan Modal Ratio (CAR) amounted to Rp267,156 and Rp270,119,
Minimum (KPMM) masing-masing sebesar Rp267.156 respectively. As of December 31, 2024 and 2023, the
dan Rp270.119. Pada tanggal 31 Desember 2024 dan adequacy ratio for allowance for impairment losses of
2023, rasio pemenuhan cadangan kerugian penurunan loans which is required by Bank Indonesia is 88.31%
nilai untuk kredit yang diberikan sesuai dengan and 103.99%, respectively.
ketentuan Bank Indonesia masing-masing sebesar
88,31% dan 103,99%.
j. Kredit yang dihapusbukukan j. Writen-off loans
Perubahan kredit yang dihapusbukukan adalah sebagai The changes in write-off loans are as follows:
berikut:
2024 2023
Saldo awal tahun 1.954.939 1.924.825 Balance at beginning of year
Penghapusbukuan kredit 24.417 30.114 Writen-off loans
Saldo akhir tahun 1.979.356 1.954.939 Balance at end of year
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended December 31, 2024 and 2023, there
31 Desember 2024 dan 2023, tidak terdapat hapus buku are no writen-off loans to related parties.
atas kredit yang diberikan kepada pihak berelasi.
k. Tingkat suku bunga rata-rata per tahun adalah sebagai k. The average interest rates per annum are as follows:
berikut:
2024 2023
Rupiah Rupiah
Kredit tanpa agunan 28,37% 27,55% Unsecured loans
Kredit pemilikan mobil 24,68% 19,73% Car loans
Revolving loans 11,78% 12,92% Revolving loans
Kredit pemilikan kios 8,36% 9,21% Kiosk loans
Pinjaman rekening koran 11,14% 12,01% Overdraft
Fixed loans 8,92% 9,03% Fixed loans
Kredit usaha rakyat 30,00% 8,83% Micro community commercial loans
Pinjaman karyawan 6,05% 6,75% Employee loans
Kredit sindikasi 7,88% 7,63% Syndicated loans
Kredit pemilikan rumah dan Housing and apartment ownership
apartemen 5,29% 5,33% loans
Mata Uang Asing Foreign Currencies
Revolving loans 5,44% 5,94% Revolving loans
Fixed loans 5,94% 6,46% Fixed loans
l. Informasi penting lainnya l. Other important informations
1. Pada tanggal 31 Desember 2024 dan 2023, jumlah 1. As of December 31, 2024 and 2023, total time
deposito berjangka yang dijadikan sebagai jaminan deposits pledged as loans cash collateral amounted
tunai atas kredit yang diberikan masing-masing to Rp167,865 and Rp1,343,865 respectively
sebesar Rp167.865 dan Rp1.343.865 (Catatan 20c). (Note 20c).
2. Kredit sindikasi merupakan kredit yang diberikan 2. Syndicated loans represent loans provided to
kepada debitur berdasarkan perjanjian bersama debtors under syndication agreements with other
(sindikasi) dengan bank-bank lain. Jumlah kredit banks. Total syndicated loans of the Bank as of
sindikasi yang diberikan oleh Bank pada tanggal December 31, 2024 and 2023 amounted to
31 Desember 2024 dan 2023 masing-masing adalah Rp255,432 and Rp534,357, respectively.
sebesar Rp255.432 and Rp534.357.
Keikutsertaan Bank sebagai anggota sindikasi pada The participation of the Bank as a participant of the
tanggal 31 Desember 2024 dan 2023 masing-masing syndicated loans as of December 31, 2024 and
sebesar 7,88% dan 7,63% dari jumlah kredit 2023 was 7.88% and 7.63% respectively, of total
sindikasi. syndicated loans.
- 82 -
Page 613
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. KREDIT YANG DIBERIKAN (lanjutan) 13. LOANS (continued)
l. Informasi penting lainnya (lanjutan) l. Other important informations (continued)
3. Kredit yang diberikan kepada karyawan merupakan 3. Loans granted to the Bank’s employee are loans for
kredit untuk membeli rumah, kendaraan dan acquisition of houses, vehicles and other purposes
keperluan lainnya dengan jangka waktu 1 sampai with term of 1 to 15 years which bear average
dengan 15 tahun yang dikenakan tingkat suku bunga interest rate of 6.54% and 6.75%v per annum in
rata-rata masing-masing sebesar 6,54% dan 6,75% 2024 and 2023, respectively. The repayment of
pada tahun 2024 dan 2023. Pembayaran kembali loans are collected through monthly salary
kredit dilakukan dengan pemotongan gaji setiap deduction.
bulan.
4. Rasio kredit bermasalah-bersih pada tanggal 4. The ratio of non-performing loans - net as of
31 Desember 2024 dan 2023 masing-masing adalah December 31, 2024 and 2023 was 0.78% and
sebesar 0,78% dan 0,31%. Rasio kredit bermasalah 0.31%, respectively. The ratio of non-performing
kotor pada tanggal 31 Desember 2024 dan 2023 loans - gross as of December 31, 2024 and 2023
masing-masing adalah sebesar 2,40% dan 1,74%. was 2.40% and 1.74%, respectively.
14. TAGIHAN DAN LIABILITAS AKSEPTASI 14. ACCEPTANCE RECEIVABLES AND PAYABLES
a. Berdasarkan jenis dan mata uang a. By type and currency
2024 2023
Jumlah Jumlah
nosional mata nosional mata
uang asing uang asing
(angka penuh)/ (angka penuh)/
Notional Notional
amount of Ekuivalen amount of Ekuivalen
foreign rupiah/ foreign rupiah/
currency Equivalent currency Equivalent
(full amount) rupiah (full amount) rupiah
Tagihan akseptasi Acceptance receivables
Pihak ketiga Third parties
Rupiah Rupiah
Surat Kredit Domestic
Berdokumen Dalam Documentary
Negeri (SKBDN) 166.682 131.863 Letter of Credit
Sub jumlah 166.682 131.863 Sub total
Cadangan kerugian Allowance for
penurunan nilai (657) (501) impairment losses
Jumlah – bersih 166.025 131.362 Total – net
Liabilitas akseptasi Acceptance payables
Pihak ketiga Third parties
Rupiah Rupiah
Surat Kredit
Berdokumen Dalam Domestic Documentary
Negeri (SKBDN) 166.682 131.863 Letter of Credit
Jumlah 166.682 131.863 Total
b. Berdasarkan counterparty b. By counterparty
2024 2023
Bukan bank - pihak ketiga Non banks - third parties
Rupiah 166.682 131.863 Rupiah
Jumlah 166.682 131.863 Total
Cadangan kerugian penurunan nilai (657) (501) Allowance for impairment losses
Jumlah – bersih 166.025 131.362 Total - net
- 83 -
Page 614
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
14. TAGIHAN DAN LIABILITAS AKSEPTASI (lanjutan) 14. ACCEPTANCE RECEIVABLES AND PAYABLES
(continued)
c. Berdasarkan sisa umur sampai dengan jatuh tempo c. Based on remaining period until maturity
2024 2023
Pihak ketiga Third parties
Rupiah Rupiah
3 sampai dengan 6 bulan 166.682 131.863 3 to 6 months
Sub jumlah 166.682 131.863 Sub total
Cadangan kerugian penurunan nilai (657) (501) Allowance for impairment losses
Jumlah – bersih 166.025 131.362 Total - net
Bank melakukan penilaian atas penurunan nilai tagihan The Bank assesses the impairment of acceptance
akseptasi secara kolektif dengan menggunakan bukti receivables collective by using objective evidences of
objektif penurunan nilai. impairment.
Pada tanggal 31 Desember 2024 dan 2023, tagihan As of December 31, 2024 and 2023, acceptance
akseptasi diklasifikasikan “Lancar”. receivables are classified as “Current”.
Manajemen berkeyakinan bahwa jumlah cadangan Management believes that the allowance for impairment
kerugian penurunan nilai yang dibentuk cukup untuk losses is adequate to cover possible losses on
menutupi kemungkinan kerugian atas tidak tertagihnya uncollectible acceptance receivables.
tagihan akseptasi.
15. PENYERTAAN SAHAM 15. INVESTMENT IN SHARES OF STOCK
Bank memiliki penyertaan saham yang menggunakan metode The Bank has investment in shares of stock in the following
biaya perolehan pada perusahaan sebagai berikut: companies that are accounted for under cost method:
Persentase
kepemilikan/
Percentage of
Nama Perusahaan/ Jenis usaha/ ownership
Company name Type of business 2024 dan/ and 2023 2024 dan/ and 2023
PT Aplikanusa Lintasarta Jasa komunikasi data dan 0,27% 6
internet/ Internet and data
communication services
Jumlah/ Total 6
Bank melakukan penilaian atas penurunan nilai penyertaan The Bank assesses the impairment of investment in shares of
saham secara individual dengan menggunakan bukti objektif stock individually by using objective evidences of impairment.
penurunan nilai.
Pada tanggal 31 Desember 2024 dan 2023, penyertaan saham As of December 31, 2024 and 2023, investment in shares of
diklasifikasikan “Lancar”. stock are classified as “Current”.
Pada tanggal 31 Desember 2024 dan 2023, manajemen As of December 31, 2024 and 2023, management believes that
berkeyakinan bahwa tidak terdapat penurunan nilai atas there is no impairment on investment in shares of stock,
penyertaan saham sehingga tidak diperlukan pembentukan therefore no allowance for impairment losses is provided.
cadangan kerugian penurunan nilai.
- 84 -
Page 615
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
16. ASET TETAP 16. FIXED ASSETS
Aset tetap terdiri dari: Fixed assets consist of:
2024 2023
Kepemilikan langsung 2.080.159 2.084.527 Direct ownership
Aset hak-guna 43.217 43.270 Right-of-use assets
Jumlah 2.123.376 2.127.797 Total
1 Januari/ Penambahan Pengurangan/ 31 Desember/
January 1, 2024 /Additions Deductions December 31, 2024
Biaya Perolehan Acquisition Cost
Kepemilikan langsung: Direct ownership:
Hak atas tanah 1.948.753 - - 1.948.753 Land rights
Inventaris kantor 75.528 17.349 (45.434) 47.443 Office equipment
Bangunan 105.310 4.491 - 109.801 Buildings
Instalasi 6.137 3.117 (208) 9.046 Installation
2.135.728 24.957 (45.642) 2.115.043
Aset dalam penyelesaian 4.733 750 (4.733) 750 Assets in progress
Aset hak-guna: Right-of-use assets:
Bangunan 216.516 45.959 - 262.475 Buildings
Jumlah 2.356.977 71.666 (50.375) 2.378.268 Total
Akumulasi Penyusutan Accumulated Depreciation
Kepemilikan langsung: Direct ownership:
Inventaris kantor 53.824 14.101 (44.516) 23.409 Office equipment
Bangunan - 9.715 - 9.715 Buildings
Instalasi 2.110 541 (141) 2.510 Installation
Aset hak-guna Right-of-use assets
Bangunan 173.246 46.012 - 219.258 Buildings
Jumlah 229.180 70.369 (44.657) 254.892 Total
Nilai buku 2.127.797 2.123.376 Book value
1 Januari/ 31 Desember/
January 1, Penambahan Pengurangan/ Revaluasi/ December 31,
2023 /Additions Deductions Revaluation 2023
Biaya Perolehan Acquisition Cost
Kepemilikan langsung: Direct ownership:
Hak atas tanah 1.931.564 - - 17.189 1.948.753 Land rights
Inventaris kantor 73.720 15.043 (13.235) - 75.528 Office equipment
Bangunan 102.517 9.963 - (7.170) 105.310 Buildings
Instalasi 4.489 2.330 (682) - 6.137 Installation
2.112.290 27.336 (13.917) 10.019 2.135.728
Aset dalam penyelesaian 2.653 4.693 (2.613) - 4.733 Assets in progress
Aset hak-guna: Right-of-use assets:
Bangunan 161.821 54.695 - - 216.516 Buildings
Jumlah 2.276.764 86.724 (16.530) 10.019 2.356.977 Total
Akumulasi Penyusutan Accumulated Depreciation
Kepemilikan langsung: Direct ownership:
Inventaris kantor 53.504 13.214 (12.894) - 53.824 Office equipment
Bangunan 10.459 10.288 (225) (20.522) - Buildings
Instalasi 2.138 654 (682) - 2.110 Installation
Aset hak-guna Right-of-use assets:
Bangunan 132.348 40.898 - - 173.246 Buildings
Jumlah 198.449 65.054 (13.801) (20.522) 229.180 Total
Nilai buku 2.078.315 2.127.797 Book value
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Page 616
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
16. ASET TETAP (lanjutan) 16. FIXED ASSETS (continued)
Pada tanggal 31 Desember 2023, hak atas tanah dan bangunan On December 31, 2023, land and building rights are recorded
dicatat berdasarkan nilai revaluasi yang telah direviu oleh based on the revaluation value which has been reviewed by
manajemen dan didukung oleh laporan penilai independen management and supported by the report of an external
eksternal, KJPP Sugianto Prasodjo & Rekan, berdasarkan independent appraiser, KJPP Sugianto Prasodjo & Partners,
laporan No.00094/2.0131-00/PI/07/0375/1/I/2024 tanggal based on report No.00094/2.0131-00/PI/07/0375/1/I/2024
30 Januari 2024. Pendekatan penilaian yang digunakan adalah dated January 30, 2024. The valuation approach used is the
pendekatan pasar, pendapatan, dan biaya. Penilaian ini market, income and cost approach. This assessment is guided
berpedoman pada Peraturan Otoritas Jasa Keuangan (OJK) by the Financial Services Authority (OJK) Capital Markets
Pasar Modal No. 28/POJK.04/2021 Tanggal 28 Desember Regulation No. 28/POJK.04/2021 December 28, 2021, SOJK
2021, SOJK No. 33/SEOJK.04/2021 Tanggal 31 Desember No. 33/SEOJK.04/2021 Dated December 31, 2021 and the
2021 dan Kode Etik Penilai Indonesia (KEPI) & Standar Indonesian Appraiser Code of Ethics (KEPI) & Indonesian
Penilaian Indonesia (SPI) Edisi VII – 2018. Appraisal Standards (SPI) Edition VII – 2018.
Selisih antara nilai buku sebelum revaluasi aset tetap dengan The difference between the book value before revaluation of
nilai wajar aset tetap setelah revaluasi pada tanggal fixed assets and the fair value of fixed assets after revaluation
31 Desember 2023 adalah sebagai berikut: on December 31, 2023 is as follows:
2023
Nilai buku sebelum
revaluasi/Book
value before Nilai wajar/ Surplus revaluasi/
Aset tetap revaluation Fair value Surplus revaluation Fixed assets
Hak atas tanah 1.931.564 1.948.753 17.189 Land rights
Bangunan 91.955 105.307 13.352 Buildings
Jumlah 2.023.519 2.054.060 30.541 Total
Nilai wajar hak atas tanah dan bangunan berdasarkan hirarki The fair values of land rights and buildings based on fair
nilai wajar pada tanggal 31 Desember 2023 adalah sebagai value hierarchy are as of December 31, 2023 follows:
berikut:
2023
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Pengukuran nilai wajar reguler Regular fair value measurement
Hak atas tanah - 1.948.753 - 1.948.753 Land rights
Bangunan - 105.307 - 105.307 Buildings
Jumlah - 2.054.060 - 2.054.060 Total
Kenaikan nilai tercatat yang timbul dari revaluasi dicatat The increase in the carrying amount arising from the
sebagai “Surplus Revaluasi Aset Tetap”, dan disajikan dalam revaluation are recorded as “Surplus Revaluation of Fixed
penghasilan komprehensif lain pada tanggal Assets”, and is presented in other comprehensive income as
31 Desember 2023 sebesar Rp30.541. of December 31, 2023 amounted to Rp30,541.
Penyusutan yang dibebankan pada beban umum dan Depreciation charged to general and administrative expenses
administrasi adalah sebesar Rp70.369 dan Rp65.054 masing- amounted Rp70,369 and Rp65,054 for the years ended
masing untuk tahun yang berakhir pada tanggal-tanggal December 31, 2024 and 2023, respectively (Note 34).
31 Desember 2024 dan 2023 (Catatan 34).
Rincian laba penjualan aset tetap adalah sebagai berikut: The details of gain on sale of fixed assets are as follows:
2024 2023
Hasil penjualan aset tetap 5.929 2.960 Proceed from sale of fixed assets
Nilai buku (5.718) (2.729) Book value
Laba penjualan aset tetap (Catatan 36) 211 231 Gain on sale of fixed assets (Note 36)
- 86 -
Page 617
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
16. ASET TETAP (lanjutan) 16. FIXED ASSETS (continued)
Pada tanggal 1 Desember 1993, Bank menandatangani On December 1, 1993, the Bank entered into a Cooperation
Perjanjian Kerja Sama Pendirian Gedung dengan Agreement of Office Tower Establishment with
PT Buanagraha Arthaprima, pihak berelasi, PT Buanagraha Arthaprima, affiliate, No.098/XII/BOT/93,
No.098/XII/BOT/93 yang telah diubah dengan Addendum I which is amended by Addendum I dated January 18,1994, to
tanggal 18 Januari 1994, untuk mengadakan kerjasama jointly build the office tower in the Bank’s land rights at Jalan
pembangunan gedung di atas tanah milik Bank di Jalan Jenderal Sudirman Kav. 52-53, South Jakarta. The method of
Jenderal Sudirman Kav. 52-53, Jakarta Selatan. Metode this agreement is BOT (Build, Operate and Transfer) for 40
perjanjian tersebut adalah BOT (Build, Operate and Transfer/ years. At the end of the contract, the building and operation
Bangun, Kelola dan Serah) selama 40 tahun. Setelah masa will be returned to the Bank (Note 38).
tersebut berlalu maka gedung dan pengelolaannya akan
dikembalikan kepada Bank (Catatan 38).
Pada tanggal 31 Desember 2024 dan 2023, aset tetap, kecuali As of December 31, 2024 and 2023, fixed assets, except land
hak atas tanah, diasuransikan terhadap risiko kebakaran, rights, have already insured to cover any possible losses
pencurian dan risiko lainnya kepada PT Artha Graha General caused by fire, theft and other risks to PT Artha Graha
Insurance (pihak ketiga) dengan nilai pertanggungan General Insurance (third party) with a total sum insured
seluruhnya masing-masing sebesar Rp268.932. Manajemen amounting to Rp268,932, respectively. Management believes
berkeyakinan bahwa nilai pertanggungan tersebut cukup that the sum insured is adequate to cover possible losses on
untuk menutupi kemungkinan kerugian atas risiko tersebut. such risks.
Jumlah biaya perolehan atas aset tetap yang telah disusutkan Total acquisition cost of fixed assets that have been fully
penuh namun masih digunakan pada tanggal 31 Desember depreciated but are still in use as of December 31, 2024 and
2024 dan 2023 masing-masing sebesar Rp166.033 dan 2023 amounted to Rp166,033 and Rp121,526, respectively.
Rp121.526.
Pada tanggal 31 Desember 2024 dan 2023, tidak ada aset As of December 31, 2024 and 2023, there are no fixed assets
tetap yang dipakai sementara atau dihentikan dari used temporarily or retired from active use and not classified
penggunaan aktif dan tidak diklasifikasikan sebagai nilai as fair value through other comprehensive income.
wajar melalui komprehensif lain.
Pada tanggal-tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no contractual
terdapat komitmen kontraktual dalam perolehan aset tetap. commitment in acquisition of fixed assets.
Pada tanggal 31 Desember 2024 dan 2023, Bank melakukan As of December 31, 2024 and 2023, the Bank undertakes a
peninjauan kembali atas umur manfaat, metode penyusutan review of its useful life, depreciation method and residual
dan nilai residu aset tetap dan menyimpulkan bahwa tidak values of fixed assets and concluded that there was no change
terdapat perubahan atas metode dan asumsi tersebut. in the methods and assumptions.
Berdasarkan penelaahan manajemen, tidak terdapat kejadian Based on management’s assessment, there are no events or
atau perubahan keadaan yang mengindikasikan adanya changes in circumstances indicate an impairment of fixed
penurunan nilai aset tetap pada tanggal 31 Desember 2024 assets as of December 31, 2024 and 2023.
dan 2023.
- 87 -
Page 618
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
17. ASET TAKBERWUJUD 17. INTANGIBLE ASSETS
Rincian aset takberwujud adalah sebagai berikut: The details of intangible asset is as follows:
1 Januari/ Penambahan/ Pengurangan/ 31 Desember/
January 1, 2024 Additions Deductions December 31, 2024
Biaya Perolehan: Acquisition Cost:
Perangkat lunak 92.838 9.007 - 101.845 Software
Aset dalam
penyelesaian 4.357 4.882 (4.356) 4.883 Assets in progress
Jumlah 97.195 13.889 (4.356) 106.728 Total
Amortisasi: Amortization:
Perangkat lunak 65.322 15.919 - 81.241 Software
Jumlah 65.322 15.919 - 81.241 Total
Nilai buku 31.873 25.487 Book value
1 Januari/ Penambahan/ Pengurangan/ 31 Desember/
January 1, 2023 Additions Deductions December 31, 2023
Biaya Perolehan: Acquisition Cost:
Perangkat lunak 79.735 13.103 - 92.838 Software
Aset dalam
penyelesaian 5.442 833 (1.918) 4.357 Assets in progress
Jumlah 85.177 13.936 (1.918) 97.195 Total
Amortisasi: Amortization:
Perangkat lunak 54.013 11.309 - 65.322 Software
Jumlah 54.013 11.309 65.322 65.322 Total
Nilai buku 31.164 31.873 Book value
Amortisasi yang dibebankan pada beban umum dan Amortization charged to general and administrative expenses
administrasi adalah sebesar Rp15.919 dan Rp11.309 untuk amounted to Rp15,919 and Rp11,309 for the year ended
tahun yang berakhir pada tanggal 31 Desember 2024 dan December 31, 2024 dan 2023 (Note 34).
2023 (Catatan 34).
Berdasarkan penelaahan manajemen, tidak terdapat kejadian Based on management’s assessment, there are no events or
atau perubahan keadaan yang mengindikasikan adanya changes in circumstances indicate an impairment of
penurunan nilai aset takberwujud pada tanggal 31 Desember intangible asset as of December 31, 2024 and 2023.
2024 dan 2023.
18. AGUNAN YANG DIAMBIL ALIH DAN ASET LAIN- 18. FORECLOSED ASSETS AND OTHER ASSETS
LAIN
Agunan yang diambil alih Foreclosed assets
Rincian agunan yang diambil alih adalah sebagai berikut: The details of foreclosed assets are as follows:
2024 2023
Saldo awal tahun 1.263.459 1.465.134 Balance at beginning of year
Pengurangan (88.417) (201.675) Less
Saldo akhir tahun 1.175.042 1.263.459 Balance at end of year
Cadangan kerugian penurunan nilai (366.159) (327.349) Allowance for impairment losses
Jumlah – bersih 808.883 936.110 Total – net
- 88 -
Page 619
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
18. AGUNAN YANG DIAMBIL ALIH DAN ASET LAIN- 18. FORECLOSED ASSETS AND OTHER ASSETS
LAIN (lanjutan) (continued)
Perubahan cadangan kerugian penurunan nilai atas agunan The changes of impairment losses on foreclosed assets are as
yang diambil alih adalah sebagai berikut: follows:
2024 2023
Saldo awal tahun 327.349 241.838 Balance at beginning of year
Penyisihan tahun berjalan (Catatan 35) 38.810 87.684 Provision during the year (Note 35)
Hapus buku - (2.173) Written-off
Saldo akhir tahun 366.159 327.349 Balance at end of year
Bank melakukan penilaian atas penurunan nilai agunan yang The Bank assesses the impairment of foreclosed assets
diambil alih secara individual dengan menggunakan bukti individually by using objective evidences of impairment.
objektif penurunan nilai.
Manajemen berkeyakinan bahwa jumlah cadangan kerugian Management believes that allowance for impairment losses of
penurunan nilai untuk agunan yang diambil alih pada tanggal foreclosed assets as of December 31, 2024 and 2023 is
31 Desember 2024 dan 2023 adalah cukup untuk menutupi adequate to cover possible losses.
kerugian yang mungkin terjadi.
Rincian penjualan agunan yang diambil alih adalah sebagai The details on sale on foreclosed assets are as follows:
berikut:
2024 2023
Hasil penyelesaian agunan yang The result of the completion of foreclosed
diambil alih 88.417 201.675 assets
Nilai buku (88.417) (201.675) Book value
Laba (rugi) penjualan agunan yang
diambil alih - - Profit (loss) on sale of foreclosed assets
Aset lain-lain Other assets
2024 2023
Persediaan barang cetakan dan alat tulis
kantor 11.037 10.320 Printing items and stationery
Setoran jaminan 10.248 9.268 Guarantee deposits
Tagihan administrasi kredit 7.493 20.452 Loan administration charges
Tagihan terkait dengan transaksi ATM 4.117 8.613 Charges related to ATM transactions
Uang muka sewa gedung kantor - 195 Advances for office rent
Uang muka renovasi dan perbaikan - 50 Advances for renovations and repairs
Lain-lain 324.871 327.446 Others
Jumlah 357.766 376.344 Total
Bank melakukan penilaian atas penurunan nilai aset lain-lain The Bank assesses the impairment of other assets individually
secara individual dengan menggunakan bukti objektif by using objective evidences of impairment.
penurunan nilai.
Pada tanggal 31 Desember 2024 dan 2023, manajemen As of December 31, 2024 and 2023, management believes that
berkeyakinan bahwa tidak terdapat penurunan nilai atas aset there is no impairment on other assets, therefore no
lain-lain sehingga tidak diperlukan pembentukan cadangan allowance for impairment losses is provided.
kerugian penurunan nilai.
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Page 620
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
19. LIABILITAS SEGERA 19. OBLIGATIONS DUE IMMEDIATELY
Rincian liabilitas segera adalah sebagai berikut: The details of obligation due immediately are as follows:
2024 2023
Pihak ketiga Third parties
Rupiah Rupiah
Liabilitas sehubungan dengan ATM 61.195 37.799 Liability related to ATM
Klaim yang belum diselesaikan 2.607 5.989 Unfinished claim
Liabilitas kepada notaris dan penilai Liability to the notary and independent
independen 2.084 1.497 valuers
Titipan pengiriman uang dan setoran Safe keeping remittance and deposits
kliring 1.444 8.598 clearing
Liabilitas kepada Perusahaan asuransi 1.334 1.015 Liability to insurance Companies
Titipan setoran 373 833 Repayment deposits
Lain-lain 45.590 38.600 Others
Sub jumlah 114.627 94.331 Sub total
Mata Uang Asing Foreign Currency
Lain-lain 994 1.380 Others
Sub jumlah 994 1.380 Sub total
Jumlah 115.621 95.711 Total
Liabilitas sehubungan dengan ATM merupakan liabilitas Liability related to ATM represents liability related to the use
sehubungan dengan pemakaian ATM jaringan ALTO dan of ALTO and Prima ATM networks.
Prima.
Titipan setoran merupakan titipan setoran nasabah yang Repayment deposits represent deposits of customers that have
belum diselesaikan. not been resolved.
20. SIMPANAN NASABAH 20. DEPOSITS FROM CUSTOMER
Rincian simpanan nasabah adalah sebagai berikut: The details of customer deposits are as follows:
2024 2023
Pihak berelasi (Catatan 38) Related parties (Note 38)
Giro 420.054 337.908 Demand deposits
Tabungan 38.911 40.220 Savings deposits
Deposito berjangka 720.899 841.451 Time deposits
Jumlah pihak berelasi 1.179.864 1.219.579 Total related parties
Pihak ketiga Third parties
Giro 6.097.587 6.293.507 Demand deposits
Tabungan 1.795.594 1.477.370 Savings deposits
Deposito berjangka 14.817.728 11.641.245 Time deposits
Jumlah pihak ketiga 22.710.909 19.412.122 Total third parties
Jumlah 23.890.773 20.631.701 Total
- 90 -
Page 621
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
20. SIMPANAN NASABAH (lanjutan) 20. DEPOSITS FROM CUSTOMER (continued)
a. Giro a. Demand Deposits
2024 2023
Jumlah nosional mata Jumlah nosional mata
uang asing uang asing
(angka penuh)/ Ekuivalen (angka penuh)/ Ekuivalen
Notional amount of rupiah/ Notional amount of rupiah/
foreign currency Equivalent foreign currency Equivalent
(full amount) rupiah (full amount) rupiah
Pihak berelasi Related parties
(Catatan 38) (Note 38)
Rupiah 390.598 309.452 Rupiah
Mata uang asing Foreign currency
Dolar Amerika United States
Serikat 1.507.959 24.271 1.326.049 20.417 Dollar
Dolar Australia 200 2 200 2 Australian Dollar
Dolar Singapura 437.584 5.183 688.349 8.037 Singapore Dollar
Sub jumlah 420.054 337.908 Sub total
Pihak ketiga Third parties
Rupiah 5.727.974 5.691.092 Rupiah
Mata uang asing Foreign currency
Dolar Amerika United States
Serikat 21.303.364 342.878 38.695.716 595.798 Dollar
Yuan China 8.175.538 17.974 4.655 10 Chinese Yuan
Dolar Singapura 732.974 8.682 502.283 5.865 Singapore Dollar
Euro Eropa 4.450 75 1.818 31 European Euro
Yen Jepang 42.030 4 6.526.862 711 Japanese Yen
Sub jumlah 6.097.587 6.293.507 Sub total
Jumlah 6.517.641 6.631.415 Total
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no demand
terdapat giro yang dijadikan jaminan tunai atas kredit deposits used as cash collateral for loans granted.
yang diberikan.
b. Tabungan b. Savings Deposits
i. Berdasarkan mata uang dan pihak i. By currency and party
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing mata uang asing
(angka penuh)/ Ekuivalen (angka penuh)/ Ekuivalen
Notional amount of rupiah/ Notional amount of rupiah/
foreign currency Equivalent foreign currency Equivalent
(full amount) rupiah (full amount) rupiah
Pihak berelasi Related parties
(Catatan 38) (Note 38)
Rupiah 38.911 40.220 Rupiah
Pihak ketiga Third parties
Rupiah 1.795.594 1.477.370 Rupiah
Jumlah 1.834.505 1.517.590 Total
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Page 622
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
20. SIMPANAN NASABAH (lanjutan) 20. DEPOSITS FROM CUSTOMER (continued)
b. Tabungan (lanjutan) b. Savings Deposits (continued)
ii. Berdasarkan jenis ii. By type
2024 2023
Tabungan Artha 1.036.242 929.461 Artha savings
Tabungan Wira 306.070 300.020 Wira savings
Tabungan Artha Payroll 211.738 187.631 Artha Payroll savings
Tabungan Artha Hold Dana 180.169 2.100 Artha Hold Dana savings
Tabungan Artha Setoran Bulanan 35.312 31.102 Artha Setoran Bulanan savings
Tabungan Artha Karyawan 23.706 22.017 Artha Karyawan savings
Tabungan Prega Prestasi 10.330 12.676 Prega Prestasi savings
Tabunganku 9.500 11.856 Tabunganku
Tabungan Pintar 6.465 8.112 Pintar savings
Tabungan Prega QQ 4.868 6.286 Prega QQ savings
Tabungan Artha Mitra 4.521 - Artha Mitra Savings
Tabungan Prega Gemilang 2.414 3.473 Prega Gemilang savings
Tabungan Icon 1.621 927 Icon savings
Tabungan Prega Edusave 800 1.221 Prega Edusave savings
Tabungan Simpanan Pelajar 483 386 Student savings
Tabungan Artha KUR 139 190 Artha KUR savings
Tabungan Prestasi gemilang 106 111 Prestasi gemilang savings
Tabungan Basic Saving Account 21 21 Basic Savings Account savings
Jumlah 1.834.505 1.517.590 Total
Pada tanggal 31 Desember 2024 dan 2023, tidak terdapat As of December 31, 2024 and 2023, there are no savings
tabungan yang dijadikan jaminan tunai atas kredit yang deposits used as cash collateral for loans granted.
diberikan.
c. Deposito Berjangka c. Time Deposits
i. Berdasarkan mata uang dan pihak i. By currency and party
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing mata uang asing
(angka penuh)/ Ekuivalen (angka penuh)/ Ekuivalen
Notional amount of rupiah/ Notional amount of rupiah/
foreign currency Equivalent foreign currency Equivalent
(full amount) rupiah (full amount) rupiah
Pihak berelasi Related parties
(Catatan 38) (Note 38)
Rupiah 630.149 - 764.560 Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 5.636.805 90.724 4.992.283 76.866 United States Dollar
Dolar Singapura 2.185 26 2.173 25 Singapore Dollar
Sub jumlah 720.899 841.451 Sub total
Pihak ketiga Third parties
Rupiah 13.478.277 - 10.697.693 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 82.448.582 1.327.010 59.906.439 922.380 United States Dollar
Dolar Singapura 1.050.329 12.441 1.813.236 21.172 Singapore Dollar
Sub jumlah 14.817.728 11.641.245 Sub total
Jumlah 15.538.627 12.482.696 Total
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Page 623
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
20. SIMPANAN NASABAH (lanjutan) 20. DEPOSITS FROM CUSTOMER (continued)
c. Deposito Berjangka (lanjutan) c. Time Deposits (continued)
ii. Berdasarkan periode deposito berjangka ii. By time deposits period
2024 2023
Rupiah Rupiah
1 bulan 9.338.056 6.510.315 1 month
3 bulan 2.971.299 3.314.324 3 months
6 bulan 1.079.477 1.355.916 6 months
12 bulan 719.594 281.698 12 months
Sub jumlah 14.108.426 11.462.253 Sub total
Mata Uang Asing Foreign Currencies
1 bulan 865.570 592.705 1 month
3 bulan 499.896 230.372 3 months
6 bulan 55.585 178.857 6 months
12 bulan 9.150 18.509 12 months
Sub jumlah 1.430.201 1.020.443 Sub total
Jumlah 15.538.627 12.482.696 Total
iii. Berdasarkan sisa umur sampai dengan jatuh tempo iii. By currency and party
2024 2023
Rupiah Rupiah
Kurang dari 1 bulan 10.612.163 9.432.290 Less than 1 month
1 sampai dengan 3 bulan 2.525.912 1.561.429 1 up to 3 months
3 sampai dengan 6 bulan 265.171 242.574 3 up to 6 months
6 sampai dengan 12 bulan 705.180 225.960 6 up to 12 months
Jumlah Rupiah 14.108.426 11.462.253 Total Rupiah
Mata Uang Asing Foreign Currencies
Kurang dari 1 bulan 1.273.856 780.936 Less than 1 month
1 sampai dengan 3 bulan 117.361 212.410 1 up to 3 months
3 sampai dengan 6 bulan 33.474 16.706 3 up to 6 months
6 sampai dengan 12 bulan 5.510 10.391 6 up to 12 months
Jumlah Mata Uang Asing 1.430.201 1.020.443 Total Foreign Currency
Jumlah 15.538.627 12.482.696 Total
Pada tanggal 31 Desember 2024 dan 2023, deposito As of December 31, 2024 and 2023, time deposits used
berjangka yang dijadikan sebagai jaminan tunai atas kredit as cash collateral for loan granted are as follows:
yang diberikan adalah sebagai berikut:
2024 2023
Pihak ketiga 167.865 1.343.865 Third parties
Jumlah (Catatan 13l) 167.865 1.343.865 Total (Note 13l)
Tingkat suku bunga rata-rata per tahun adalah sebagai The average interest rates per annum are as follows:
berikut:
2024 2023
Rupiah Rupiah
Giro 0,96% 0,82% Demand deposits
Tabungan 0,72% 0,75% Savings deposits
Deposito berjangka 3,34% 3,73% Time deposits
Mata Uang Asing Foreign Currencies
Giro 0,02% 0,01% Demand deposits
Deposito berjangka 3,49% 1,52% Time deposits
- 93 -
Page 624
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
21. SIMPANAN DARI BANK LAIN 21. DEPOSITS FROM OTHER BANKS
Rincian simpanan dari bank lain adalah sebagai berikut: The details of deposits from other banks are as follows:
2024 2023
Rupiah Rupiah
Interbank Call Money 200.000 - Interbank Call Money
Giro 97.304 33.436 Demand deposits
Deposito berjangka 95.150 3.522 Time deposits
Deposito on call 60.000 300.000 Deposito on call
Jumlah 452.454 336.958 Total
a. Interbank Call Money a. Interbank Call Money
i. Berdasarkan mata uang dan pihak i. By currency and party
2024 2023
Rupiah Rupiah
Pihak ketiga 200.000 - Third parties
ii. Berdasarkan jangka waktu ii. By maturity
2024 2023
Rupiah Rupiah
1 bulan 200.000 - 1 month
iii. Berdasarkan sisa umur sampai dengan jatuh tempo iii. Based on remaining period until maturity
2024 2023
Rupiah Rupiah
Kurang dari 1 bulan 200.000 - Less than 1 month
b. Giro b. Demand Deposits
i. Berdasarkan mata uang dan pihak i. By currency and party
2024 2023
Rupiah Rupiah
Pihak ketiga 97.304 33.436 Third parties
c. Deposito berjangka c. Time deposits
i. Berdasarkan mata uang dan pihak i. By currency and party
2024 2023
Rupiah Rupiah
Pihak ketiga 95.150 3.522 Third parties
ii. Berdasarkan jangka waktu ii. By maturity
2024 2023
Rupiah Rupiah
1 bulan 95.150 3.522 1 month
iii. Berdasarkan sisa umur sampai dengan jatuh tempo iii. Based on remaining period until maturity
2024 2023
Rupiah Rupiah
Kurang dari 1 bulan 95.150 3.522 Less than 1 month
- 94 -
Page 625
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
21. SIMPANAN DARI BANK LAIN (lanjutan) 21. DEPOSITS FROM OTHER BANKS (continued)
Rincian simpanan dari bank lain adalah sebagai berikut: The details of deposits from other banks are as follows:
(lanjutan) (continued)
d. Deposito on call d. Deposito on call
i. Berdasarkan mata uang dan pihak i. By currency and party
2024 2023
Rupiah Rupiah
Pihak ketiga 60.000 300.000 Third parties
ii. Berdasarkan jangka waktu ii. By maturity
2024 2023
Rupiah Rupiah
1 bulan 60.000 300.000 1 month
iii. Berdasarkan sisa umur sampai dengan jatuh tempo iii. Based on remaining period until maturity
2024 2023
Rupiah Rupiah
Kurang dari 1 bulan 60.000 300.000 Less than 1 month
e. Tingkat suku bunga rata-rata per tahun adalah sebagai e. The average interest rates per annum are as follows:
berikut:
2024 2023
Rupiah Rupiah
Giro 1,78% 1,78% Demand deposits
Deposito berjangka 6,15% 6,15% Time deposits
Deposito on call 6,68% 6,35% Deposito on call
Pada tanggal 31 Desember 2024 dan 2023, tidak terdapat As of December 31, 2024 and 2023, there are no deposits
simpanan dari bank lain yang dijadikan jaminan. from other banks used as collateral.
22. LIABILITAS EFEK YANG DIJUAL DENGAN JANJI 22. SECURITIES SOLD UNDER AGREEMENT TO
DIBELI KEMBALI REPURCHASE LIABILITIES
2024
Beban bunga
Nilai yang belum
pembelian diamortisasi/
Tanggal Tanggal jatuh kembali/ Unamortised Nilai
dimulai/ Start tempo/ Repurchase interest bersih/
date Maturity date amount expense Net value
Transaksi dengan Transactions with
Bank Indonesia Bank Indonesia
IDSR070525364S – IDSR070525364S -
020373 30 Des/ Dec 2024 30 Jan/ Jan 2025 97.939 514 97.425 020373
Surat Utang Negara Government Bonds
FR101-020342 13 Des/ Dec 2024 13 Jan/ Jan 2025 38.677 85 38.592 FR101-020342
FR064-020345 13 Des/ Dec 2024 13 Jan/ Jan 2025 9.387 21 9.366 FR064-020345
FR100-020344 13 Des/ Dec 2024 13 Jan/ Jan 2025 46.393 102 46.291 FR100-020344
FR0081-020267 15 Nov/ Nov 2024 16 Jan/ Jan 2025 317.292 9.685 307.607 FR0081-020267
Sub jumlah 411.750 9.893 401.856 Sub total
Jumlah - bersih 509.689 10.407 499.281 Total - net
- 95 -
Page 626
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
23. PERPAJAKAN 23. TAXATION
a. Utang pajak a. Taxes payable
2024 2023
Pajak penghasilan Income tax
Pasal 4 (2) 13.302 8.816 Article 4 (2)
Pasal 21 1.171 2.499 Article 21
Pasal 23 590 213 Article 23
Pasal 26 25 23 Article 26
Sub jumlah 15.088 11.551 Sub total
Pajak pertambahan nilai 101 162 Value added tax
Jumlah 15.189 11.713 Total
b. Pajak penghasilan b. Income tax
Pada tanggal 31 Maret 2020, Pemerintah menerbitkan On March 31, 2020, the Government issue Government
Peraturan Pemerintah Pengganti Undang-Undang Regulation in Lieu of Law (Perpu) of the Republic of
(Perpu) Republik Indonesia No. 1 Tahun 2020 yang Indonesia No. 1 year 2020 which has become Law (UU)
telah menjadi Undang-Undang (UU) No. 2 Tahun 2020, No. 2 year 2020, as well as stipulated Government
serta menetapkan Peraturan Pemerintah (PP) Regulation (PP) No. 30 year 2020 concerning Tarif
No. 30 Tahun 2020 tentang Penurunan Tarif Pajak Reduction for Domestic Public Companies Taxpayers
Penghasilan bagi Wajib Pajak Badan Dalam Negeri and effective since June 19, 2020. The regulation has
yang Berbentuk Perseroan Terbuka dan berlaku sejak stipulated the reduction in the income tax rates for
tanggal 19 Juni 2020. Aturan tersebut menetapkan domestic corporate taxpayers and business
penurunan tarif pajak penghasilan wajib pajak badan establishments from 25% to 22% for fiscal year 2020
dalam negeri dan bentuk usaha tetap dari semula 25% and 2021 and 20% for the fiscal year 2022 onwards.
menjadi 22% untuk tahun pajak 2020 dan 2021 dan 20%
mulai tahun pajak 2022 dan seterusnya.
Pada tanggal 29 Oktober 2021, Pemerintah menerbitkan On October 29, 2021, the Government issued Law of the
Undang-Undang Republik Indonesia No. 7 Tahun 2021 Republic of Indonesia No. 7 of 2021 concerning
tentang Harmonisasi Peraturan Perpajakan. Pada Harmonization of Tax Regulations. On December 20,
tanggal 20 Desember 2022, Pemerintah kemudian 2022, the Government then issued PP No. 55 Year 2022
menerbitkan Peraturan Pemerintah No. 55 Tahun 2022 regarding Adjustments to the Tax Regulations of Income
tentang Penyesuaian Pengaturan di Bidang Pajak Tax which revokes PP No. 30 Year 2020. The regulation
Penghasilan yang mencabut PP No. 30 Tahun 2020. stipulates the income tax rate for domestic taxpayers
Aturan tersebut menetapkan tarif pajak penghasilan and permanent establishments at 22% which will take
wajib pajak dalam negeri dan bentuk usaha tetap sebesar effect from the 2022 fiscal year onwards. Therefore, the
22% yang mulai berlaku pada tahun pajak 2022 dan previous tax rate determination of 20% becomes invalid
seterusnya. Dengan demikian, penetapan tarif pajak after this Law is enacted.
sebelumnya sebesar 20% menjadi tidak berlaku setelah
Undang-Undang ini disahkan.
- 96 -
Page 627
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
23. PERPAJAKAN (lanjutan) 23. TAXATION (continued)
b. Pajak penghasilan (lanjutan) b. Income tax (continued)
Berdasarkan Pasal 65 dari Peraturan Pemerintah No. 55 Based on Article 65 of Government Regulation No. 55
Tahun 2022 tentang Penurunan Tarif Pajak Penghasilan Year 2022 regarding the Decrease in Income Tax Rates
("PPh") bagi Wajib Pajak Badan Dalam Negeri Yang ("PPh") for Domestic Corporate Tax Payers in the Form
Berbentuk Perseroan Terbuka, Wajib Pajak dapat of Public Companies, tax payers can obtain a reduction
memperoleh penurunan tarif PPh sebesar 3% (tiga in the PPh of 3% (three percent) lower than the rate of
persen) lebih rendah dari tarif PPh Wajib Pajak Badan domestic corporate tax payers as Regulated in the
dalam negeri sebagaimana diatur dalam Undang- Taxation Law, if it meets the following additional
Undang Perpajakan tersebut diatas apabila memenuhi criteria:
tambahan kriteria sebagai berikut:
1. Jumlah kepemilikan saham publiknya 40% (empat 1. The public owned 40% (forty percent) or more of
puluh persen) atau lebih dari keseluruhan saham the total paid up shares and those shares are owned
yang disetor dan saham tersebut dimiliki paling by at least 300 (three hundred) parties;
sedikit oleh 300 (tiga ratus) pihak;
2. Masing-masing pihak yang dimaksud di atas hanya 2. Each party referred to above may only own shares
boleh memiliki saham kurang dari 5% (lima of less than 5% (five percent) of the total issued and
persen) dari keseluruhan saham yang ditempatkan paid-up shares;
dan disetor penuh;
3. Pihak-pihak yang memenuhi persyaratan 300 (tiga 3. Parties that meet the requirements of 300 (three
ratus) pihak dan 5% (lima persen) sebagaimana di hundred) parties and 5% (five percent) as stated
atas, tidak termasuk: Wajib Pajak Perseroan above, do not include: Public Company Tax Payers
Terbuka yang membeli kembali sahamnya; who buy back their shares; and/or Those who have
dan/atau yang memiliki hubungan istimewa a special relationship as stipulated in the Income
sebagaimana diatur dalam Undang-Undang Pajak Tax Law with Public Company Tax Payers
Penghasilan dengan Wajib Pajak Perseroan (reflected in: share ownership by the controlling
Terbuka (tercermin dari kepemilikan saham oleh party and/or major shareholder).
pengendali dan/atau pemegang saham utama).
Pajak penghasilan badan PT Bank Artha Graha Corporate income tax of PT Bank Artha Graha
Internasional Tbk untuk tahun yang berakhir pada Internasional Tbk for the year ended December 31, 2024
tanggal-tanggal 31 Desember 2024 dan 2023 telah and 2023 are calculated using the tax rate of 19%.
dihitung dengan menggunakan tarif pajak 19%.
Manfaat (beban) pajak penghasilan terdiri dari: Income tax benefit (expense) consists of:
2024 2023
Pajak kini tahun berjalan - - Current tax current year
Pajak tangguhan tahun berjalan (37.281) (36.604) Deferred tax current year
Beban (manfaat) pajak
penghasilan – bersih (37.281) (36.604) Income tax expense (benefit)– net
- 97 -
Page 628
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
23. PERPAJAKAN (lanjutan) 23. TAXATION (continued)
b. Pajak penghasilan (lanjutan) b. Income tax (continued)
Pajak kini Current tax
Rekonsiliasi antara laba sebelum manfaat (beban) pajak The reconciliation between income before income tax
penghasilan menurut laporan laba rugi dan penghasilan benefit (expense) as shown in the statement of profit or
komprehensif lain dengan laba kena pajak Bank untuk loss and other comprehensive income with the Bank’s
tahun yang berakhir pada tanggal-tanggal 31 Desember taxable income for the years ended
2024 dan 2023 adalah sebagai berikut: December 31, 2024 and 2023 are as follows:
2024 2023
Laba sebelum manfaat pajak
penghasilan menurut laporan laba Income before income tax benefit
rugi dan penghasilan per statement of profit or loss and other
komprehensif lain 189.755 183.357 comprehensive income
Beda temporer: Temporary differences:
Penyisihan imbalan pasca kerja
karyawan 1.418 (3.636) Provision for post-employment benefits
Pemulihan kerugian penurunan
nilai aset keuangan dan non- Reversal of impairment losses on
keuangan (190.238) 8.669 financial and non-financial assets
Beda tetap: Permanent differences:
Sumbangan 6.461 9.295 Donation
Taksiran laba (rugi) kena pajak 7.396 197.685 Estimated taxable income (loss)
Kompensasi rugi fiskal tahun: Fiscal loss compensation for year:
- 2020 (329.273) (336.669) - 2020
- 2022 (80.670) (80.670) - 2022
Akumulasi rugi fiskal (409.943) (417.339) Accumulated fiscal losses
Laba kena pajak hasil rekonsiliasi untuk tahun yang Taxable income which is resulted from reconciliation for
berakhir pada tanggal 31 Desember 2024 akan the year ended December 31, 2024 will be used as basis
digunakan sebagai dasar dalam pengisian Surat in submission of the Bank’s Annual Corporate Income
Pemberitahuan (SPT) Tahunan PPh Badan Bank. Tax Return (SPT).
Perhitungan laba kena pajak hasil rekonsiliasi untuk The calculation of taxable income which is resulted
tahun yang berakhir pada tanggal 31 Desember 2024 form reconciliation for the year ended December 31,
telah sesuai dengan SPT yang akan disampaikan ke 2024 is in accordance with SPT will be reported to the
Kantor Pelayanan Pajak. Tax Office.
Rekonsiliasi antara beban pajak penghasilan yang The reconciliation between income tax expense
dihitung dengan menggunakan tarif pajak sebesar 19% computed using the prevailing tax rate of 19% for 2024
untuk tahun 2024 dan 2023 atas laba sebelum manfaat and 2023 on income before income tax benefit (expense)
(beban) pajak penghasilan dengan beban pajak and income tax expense as presented in the statements
penghasilan sebagaimana yang disajikan dalam laporan of profit or loss and other comprehensive income is as
laba rugi dan penghasilan komprehensif lain adalah follows:
sebagai berikut:
2024 2023
Laba sebelum manfaat pajak penghasilan Income before income tax benefit per statement
menurut laporan laba rugi dan of profit or loss and other comprehensive
penghasilan komprehensif lain 189.755 183.357 income
Beban pajak penghasilan dengan tarif Income tax expense based on the applicable
pajak yang berlaku 36.053 34.838 tax rates
Pengaruh pajak atas beda tetap pada Tax effects on permanent differences at
tarif pajak yang berlaku 1.228 1.766 the applicable tax rate
Beban pajak penghasilan – bersih 37.281 36.604 Income tax expense – net
- 98 -
Page 629
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
23. PERPAJAKAN (lanjutan) 23. TAXATION (continued)
b. Pajak penghasilan (lanjutan) b. Income tax (continued)
Pajak kini (lanjutan) Current tax (continued)
Berdasarkan Undang-Undang Perpajakan yang berlaku Under the Taxation Laws in Indonesia, the Bank submits
di Indonesia, Bank menghitung, menetapkan, dan tax returns on the basis of self assessment. The
membayar sendiri besarnya jumlah pajak yang Directorate General of Tax (DGT) may assess or amend
terhutang. Direktorat Jenderal Pajak (DJP) dapat taxes payable within 5 (five) years since the tax becomes
menetapkan atau mengubah liabilitas pajak dalam batas due.
waktu 5 (lima) tahun sejak saat terutangnya pajak.
Pajak tangguhan Deferred tax
Pajak tangguhan dihitung berdasarkan pengaruh dari Deferred income tax is calculated based on the
perbedaan temporer antara jumlah tercatat aset dan temporary differences between the tax base of assets and
liabilitas menurut laporan keuangan dengan dasar korfis liabilities and its carrying value for financial reporting
pengenaan pajak aset dan liabilitas. purposes.
Rincian aset pajak tangguhan Bank pada tanggal The details of the Bank’s deferred tax assets as of
31 Desember 2024 adalah sebagai berikut: December 31, 2024 is as follows:
2024
Dikreditkan
Dikreditkan (dibebankan)
(dibebankan) ke penghasilan
ke laporan komprehensif
laba rugi/ lain/ Credited
Credited (charged) to
(charged) to other 31 Des/
1 Jan/ Jan 1, statement of comprehensive Dec 31,
2024 profit or loss income 2024
Rugi fiskal 102.703 (1.405) - 101.298 Fiscal loss
Liabilitas imbalan pasca Post employment benefits
kerja 22.585 269 (4.017) 18.837 liability
Cadangan kerugian Allowance for impairment
penurunan nilai 152.804 (36.145) - 116.659 losses
Penyusutan aset tetap 411 - - 411 Depreciation of fixed assets
Amortisasi aset Amortization of intangible
takberwujud (7.199) - - (7.199) asset
(Kerugian)/ keuntungan
dari perubahan nilai
aset keuangan yang (Loss)/gain on changes in
diukur pada nilai wajar value of financial assets
melalui penghasilan at fair value through other
komprehensif lain comprehensive income
dikurangi pajak (544) - 219 (325) after tax
Jumlah 270.760 (37.281) (3.798) 229.681 Total
- 99 -
Page 630
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
23. PERPAJAKAN (lanjutan) 23. TAXATION (continued)
b. Pajak penghasilan (lanjutan) b. Income tax (continued)
Pajak tangguhan (lanjutan) Deferred tax (continued)
Rincian aset pajak tangguhan Bank pada tanggal The details of the Bank’s deferred tax assets as of
31 Desember 2023 adalah sebagai berikut: December 31, 2023 is as follows:
2023
Dikreditkan
Dikreditkan (dibebankan)
(dibebankan) ke penghasilan
ke laporan komprehensif
laba rugi/ lain/ Credited
Credited (charged) to
(charged) to other 31 Des/
1 Jan/ Jan 1, statement of comprehensive Dec 31,
2023 profit or loss income 2023
Rugi fiskal 140.263 (37.560) - 102.703 Fiscal loss
Liabilitas imbalan pasca Post employment benefits
kerja 23.560 (691) (284) 22.585 liability
Cadangan kerugian Allowance for impairment
penurunan nilai 151.157 1.647 - 152.804 losses
Penyusutan aset tetap 411 - - 411 Depreciation of fixed assets
Amortisasi aset Amortization of intangible
takberwujud (7.199) - - (7.199) asset
(Kerugian)/ keuntungan
dari perubahan nilai
aset keuangan yang (Loss)/gain on changes in
diukur pada nilai wajar value of financial assets
melalui penghasilan at fair value through other
komprehensif lain comprehensive income
dikurangi pajak (3.322) - 2.778 (544) after tax
Jumlah 304.870 (36.604) 2.494 270.760 Total
Aset pajak tangguhan diakui apabila besar kemungkinan Deferred tax assets are recognized to the extent that the
bahwa jumlah penghasilan kena pajak pada masa amount of taxable income in the future will be available
mendatang akan memadai untuk dikompensasi dengan against which the deductible temporary differences.
perbedaan temporer yang dapat dikurangkan. Management believes that the deferred tax assets can be
Manajemen berkeyakinan bahwa aset pajak tangguhan utilized in the future.
dapat dimanfaatkan di masa mendatang.
Sesuai dengan ketentuan peralihan dalam Peraturan In accordance with the provisions of preservation in the
Menteri Keuangan Republik Indonesia Nomor 74 Regulation of the Minister of Finance of the Republic of
Tahun 2024, Bank telah melaksanakan perhitungan nilai Indonesia Number 74 of 2024, the Bank has calculated
tercatat cadangan piutang tak tertagih untuk awal tahun the carrying value of the allowance for doubtful loans
fiskal 2024 dan selisih lebih sebesar for the beginning of the 2024 fiscal year and the excess
Rp214.339 akan diakui sebagai biaya yang dibebankan of Rp214,339 will be recognized as an expense charged
seluruhnya untuk tahun fiskal 2024. Terkait dengan hal in full for the 2024 fiscal year. In relation to this, the
tersebut, aset pajak tangguhan yang akan dimanfaatkan deferred tax assets that will be utilized by the Bank in
Bank pada tahun fiskal 2024 adalah sebesar Rp40.724. the 2024 fiscal year are Rp40,724.
- 100 -
Page 631
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
24. BUNGA MASIH HARUS DIBAYAR 24. ACCRUED INTEREST PAYABLES
Rincian bunga masih harus dibayar adalah sebagai berikut: The details of accrued interest payables are as follows:
2024 2023
Jumlah nosional Jumlah nosional
mata uang asing mata uang asing
(angka penuh)/ (angka penuh)/
Notional amount Ekuivalen Notional amount Ekuivalen
of foreign rupiah/ of foreign rupiah/
currency Equivalent currency Equivalent
(full amount) rupiah (full amount) rupiah
Rupiah Rupiah
Simpanan nasabah Deposits from customers
Bunga deposito berjangka 31.420 23.280 Interest on time deposits
Bunga giro - 1.039 Current account interest
Bunga tabungan - 2 Saving deposits
Simpanan dari bank lain Deposits from other banks
Bunga deposito berjangka 511 199 Interest on time deposits
LTN Subordinasi I tahap I 52 104 Subordinated LTN I stage I
Sub jumlah 31.983 24.624 Sub total
Mata Uang Asing Foreign Currencies
Simpanan nasabah Deposits from customers
Bunga deposito berjangka USD 197.874 3.184 USD 138.707 2.136 Interest on time deposits
SGD (5.663) (67) SGD (5.753) (67)
Sub jumlah 3.117 2.069 Sub total
Jumlah 35.100 26.693 Total
25. LIABILITAS LAIN-LAIN 25. OTHER LIABILITIES
Rincian liabilitas lain-lain adalah sebagai berikut: The details of other liabilities are as follows:
2024 2023
Pihak ketiga Third parties
Rupiah Rupiah
Utang lain-lain 223.775 250.033 Other payables
Operasional 64.179 102.515 Operational
Pendapatan diterima di muka 12.735 9.579 Unearned revenues
Gaji dan tunjangan 3.462 3.675 Salaries and allowances
Setoran jaminan 2.786 2.209 Guarantee deposits
Lain-lain 4.615 9.140 Others
Sub jumlah 311.552 377.151 Sub total
Mata Uang Asing Foreign Currencies
Operasional 894 856 Operational
Sub jumlah 894 856 Sub total
Jumlah 312.446 378.007 Total
Setoran jaminan terutama merupakan setoran jaminan dari Guarantee deposits mainly represent deposit from debtor to
debitur untuk penyelesaian kredit. settle the loan.
Beban akrual operasional terutama terdiri dari beban akrual Operational accrued expenses represent accrued expenses of
listrik, telepon, air, sewa, pemeliharaan, keamanan dan electricity, telephone, water, rent, maintenance, security and
operasional lainnya. other operationals.
Utang lain-lain merupakan fasilitas pinjaman yang diterima Others payable represent loans received from PT Sarana
dari PT Sarana Multigriya Financial dalam rangka penyaluran Multigriya Financial in the framework distribution of KPR
KPR Sejahtera bagi masyarakat berpenghasilan rendah Sejahtera for low income society based on agreement letter
berdasarkan surat perjanjian No:121/PP/SMF- No:121/PP/SMF-BANKARTHAGRHA/VIII/2018 with the
BANKARTHAGRAHA/VIII/2018 dengan jangka waktu longest period of time 15 years.
paling lama 15 tahun.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. LIABILITAS IMBALAN PASCA KERJA 26. POST-EMPLOYMENT BENEFITS LIABILITY
Bank memberikan imbalan pasca kerja kepada karyawan The Bank provides post-employment benefits to permanent
tetap yang telah mencapai usia pensiun normal pada umur 55 employees who have reached normal retirement age of 55
tahun berdasarkan Omnibus Law No. 11 Tahun 2020 dan years in accordance with the Omnibus Law No. 11 in 2020
PP No. 35 Tahun 2021 dan mengakui liabilitas imbalan pasca and Goverment regulation No. 35 in 2021 and recognizes
kerja sesuai dengan PSAK 219. Jumlah karyawan Bank yang post-employment benefit obligations in accordance with
berhak atas imbalan pasca kerja tersebut pada tanggal SFAS 219. The number of Bank employees who are entitled to
31 Desember 2024 dan 2023 masing-masing sejumlah 934 post-employment benefits as of December 31, 2024 and 2023
karyawan dan 1.114 karyawan. is 934 employees and 1,114 employees, respectively.
Tabel di bawah ini merupakan ringkasan komponen beban The following tables summarize the components of post-
imbalan pasca kerja yang diakui pada laporan laba rugi dan employment benefits expense recognized in the statement of
penghasilan komprehensif lain dan liabilitas imbalan pasca profit or loss and other comprehensive income and post-
kerja yang dicatat pada laporan posisi keuangan, yang employment benefits liability recognized in the statement of
dihitung dengan menggunakan metode “Projected Unit financial position as determined using the “Projected Unit
Credit” oleh aktuaris independen, Kantor Konsultan Aktuaria Credit” method by an independent actuary, Actuarial
Agus Susanto, sesuai dengan laporannya tertanggal Consulting Office of Agus Susanto, based on its reports dated
5 Februari 2025 dan tanggal 13 Februari 2024 untuk tahun February 5, 2025 and dated February 13, 2024 for the year
yang berakhir pada tanggal 31 Desember 2024 dan 2023. ended December 31, 2024 and 2023.
a. Beban imbalan pasca kerja a. Post-employment benefits expense
2024 2023
Biaya bunga 9.123 10.428 Interest cost
Biaya jasa kini 7.965 8.928 Current service cost
Jumlah 17.088 19.356 Total
b. Liabilitas imbalan pasca kerja b. Post-employment benefits liability
2024 2023
Nilai kini kewajiban imbalan pasti 99.151 118.875 Present value of defined benefits obligation
Perubahan nilai kini kewajiban imbalan pasti pada tahun The changes in the present value of defined benefits
berjalan adalah sebagai berikut: obligation in the current year are as follows:
2024 2023
Saldo awal tahun 118.875 124.006 Balance at beginning of year
Biaya jasa kini 7.965 8.928 Current service cost
Biaya bunga 9.123 10.428 Interest cost
Keuntungan aktuarial (21.141) (1.495) Actuarial gains
Pembayaran manfaat (15.671) (22.992) Benefits payment
Saldo akhir tahun 99.151 118.875 Balance at end of year
Perubahan liabilitas imbalan pasca kerja pada tahun The changes in post-employment benefits liability in the
berjalan adalah sebagai berikut: current year are as follows:
2024 2023
Saldo awal tahun 118.875 124.006 Balance at beginning of year
Beban imbalan pasca kerja (Catatan 32) 17.088 19.356 Post-employment benefits expenses (Note 32)
Pembayaran manfaat (15.671) (22.992) Benefits payment
Keuntungan aktuarial (21.141) (1.495) Actuarial gains
Saldo akhir tahun 99.151 118.875 Balance at end of year
Perubahan pengukuran kembali kerugian aktuarial pada The changes in remeasurement on actuarial losses in the
tahun berjalan adalah sebagai berikut: current year are as follows:
2024 2023
Saldo awal tahun 76.090 74.595 Balance at beginning of year
Keuntungan aktuarial 21.141 1.495 Actuarial gains
Saldo akhir tahun 97.231 76.090 Balance at end of year
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. LIABILITAS IMBALAN PASCA KERJA (lanjutan) 26. POST-EMPLOYMENT BENEFITS LIABILITY
(continued)
Asumsi-asumsi utama yang digunakan dalam The principal assumptions used to determine post-
menghitung liabilitas imbalan pasca kerja pada tanggal employment benefits liability as of December 31, 2024
31 Desember 2024 dan 2023 adalah sebagai berikut: and 2023 are as follows:
2024 2023
Usia pensiun normal 55 tahun/ years 55 tahun/ years Normal retirement age
Tingkat mortalita TMI-IV (2019) TMI-IV (2019) Mortality rate
Tingkat kenaikan gaji 7% per tahun/ per annum 7% per tahun/ per annum Salary increase rate
Tingkat bunga 7,1% per tahun/ per annum 6,7% per tahun/ per annum Interest rate
Rincian nilai kini kewajiban imbalan pasti, defisit The details of the present value of defined benefits
program dan penyesuaian pengalaman yang timbul pada obligation, deficit program and experience adjustments
liabilitas program untuk tahun yang berakhir pada arising on the plan liabilities for the year ended
tanggal 31 Desember 2024 dan empat periode tahunan December 31, 2024 and the previous four years are as
sebelumnya adalah sebagai berikut: follows:
2024 2023 2022 2021 2020
Nilai kini kewajiban Present value of defined
imbalan pasti 99.151 118.875 124.006 153.778 242.279 benefits obligation
Defisit program 99.151 118.875 124.006 153.778 242.279 Deficit program
Penyesuaian pengalaman Experience adjustments
pada liabilitas program 19.053 4.474 652 37.124 23.868 on plan liabilities
Tabel berikut menunjukkan analisis sensitivitas atas The following table demonstrates the sensitivity analysis
kemungkinan perubahan tingkat suku bunga pasar, to a reasonably possible change in market interest rates,
dengan variabel lain dianggap tetap, terhadap nilai kini with all other variables held constant, of the present
kewajiban imbalan pasti dan biaya jasa kini pada tanggal value of defined benefit obligation and current service
31 Desember 2024 dan 2023: cost as of December 31, 2024 and 2023:
2024 2023
Kenaikan suku bunga 1% Increase in interest rate of 1%
Nilai kini kewajiban Present value of defined
imbalan pasti 94.310 113.072 benefit obligation
Biaya jasa kini 8.453 9.677 Current service cost
Penurunan suku bunga 1% Decrease in interest rate of 1%
Nilai kini kewajiban Present value of defined
imbalan pasti 104.550 125.346 benefit obligation
Biaya jasa kini 9.889 11.286 Current service cost
Rata-rata durasi kewajiban imbalan pasti adalah The average duration of the defined benefit obligation is
11 (sebelas) tahun. 11 (eleven) years.
Perkiraan analisis jatuh tempo atas nilai kini kewajiban Expected maturity analysis of present value of defined
imbalan pasti pada tanggal 31 Desember 2024 dan 2023 benefits obligation as of December 31, 2024 and 2023 is
adalah sebagai berikut: as follows:
2024 2023
Kurang dari 1 tahun 23.155 30.400 Less than 1 year
1 sampai dengan 5 tahun 31.769 32.630 1 up to 5 years
5 sampai dengan 10 tahun 21.907 29.870 5 up to 10 years
Lebih dari 10 tahun 22.320 25.975 More than 10 years
Jumlah 99.151 118.875 Total
Manajemen telah mereviu asumsi yang digunakan dan The management has reviewed the assumptions used
berkeyakinan bahwa asumsi tersebut memadai. and believed that these assumptions are adequate.
Manajemen berkeyakinan bahwa saldo liabilitas Management believes that the balance of post-
imbalan pasca kerja tersebut telah memadai untuk employment benefits liability is adequate to cover the
menutupi kewajiban Bank kepada karyawannya sesuai Bank’s liability for its employees in accordance with the
dengan yang diisyaratkan oleh Omnibus Law No. 11 Omnibus Law No. 11 in 2020 and Goverment regulation
Tahun 2020 dan PP No. 35 Tahun 2021 untuk yang No. 35 in 2021 for date ended December 31, 2024 and
berakhir tanggal 31 Desember 2024 dan 2023. 2023.
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Page 634
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
27. PINJAMAN SUBORDINASI 27. SUBORDINATED LOAN
Informasi Sumber Pendanaan lainnya Other Funding Source Information
Dalam rangka memperkuat permodalan dan mendukung In order to strengthen capital and support business
ekspansi usaha Perseroan menerbitkan Long Term Notes expansion, the Company issued Subordinated Long Term
(LTN) Subordinasi I sebagaimana diatur dalam ketentuan Notes (LTN) I as stipulated in the Financial Services
Peraturan Otoritas Jasa Keuangan (OJK) Authority (OJK) Regulation No. 39/POJK.04/2019
No. 39/POJK.04/2019 tentang Penerbitan Efek Bersifat concerning Issuance of Debt Securities and / or Sukuk which
Utang dan/atau Sukuk yang dilakukan tanpa melalui are conducted without going through a public offering. The
Penawaran umum. Perseroan menerbitkan Long Term Notes Company issues Subordinated Long Term Notes (LTN) I of
(LTN) Subordinasi I sebesar Rp500.000.000.000 (Lima Ratus Rp500,000,000,000 (Five Hundred Billion Rupiah) namely
Miliar Rupiah) dan terbagi 2 tahap yakni tahap I di tahun 2020 Phase I in 2020 amounting to Rp200,000,000,000 (Two
sebesar Rp200.000.000.000 (Dua Ratus Miliar Rupiah) dan Hundred Billion Rupiah) and Phase II in 2021 amounting to
tahap II di tahun 2021 sebesar Rp300.000.000.000 (Tiga Rp300,000,000,000 (Three Hundred Billion Rupiah).
Ratus Miliar Rupiah).
LTN Subordinasi I diterbitkan tanpa warkat, kecuali Sertifikat Subordinated LTN I is issued without scrips, except for the
Jumbo LTN Subordinasi I tahap I yang diterbitkan oleh Jumbo Certificate Subordinated LTN I phase I issued by the
perseroan atas nama PT Kustodian Sentral Efek Indonesia company on behalf of PT Kustodian Sentral Efek Indonesia
(KSEI) sebagai bukti utang untuk kepentingan Pemegang (KSEI) as evidence of debt for the interest of the holder of
LTN Subordinasi I tahap I. Tingkat bunga LTN Subordinasi I Subordinated LTN I phase I. The interest rate for
tahap I adalah sebesar 9,50% (Sembilan koma lima nol Subordinated LTN I phase I is equal to 9.50% (Nine point five
persen) per tahun dengan jangka waktu LTN Subordinasi I zero percent) per annum with a term of LTN Subordinated I
tahap I adalah 7 (tujuh) tahun, dan hanya dapat dilunasi phase I of 7 (seven) years, and can only be paid off after
setelah memperoleh persetujuan dari OJK. Pembayaran LTN obtaining approval from OJK. Payment of Subordinated LTN
Subordinasi I tahap I pada saat tanggal jatuh tempo yaitu I phase I is due on the due date, which is December 30, 2027.
30 Desember 2027. LTN Subordinasi I tahap II tidak LTN Subordinated I phase II was not issued because
diterbitkan karena manajemen berkeyakinan permodalan saat management believed that the current capital was able to
ini sudah dapat mendukung ekspansi usaha support business expansion in the future. Information
untuk masa mendatang. Informasi mengenai tabel kronologi regarding the chronology table for the issuance of
penerbitan LTN Subordinasi I tahap I tahun 2020 PT Bank Subordinated LTN I phase I 2020 of PT Bank Artha Graha
Artha Graha Internasional Tbk dapat dilihat di bab Profil Internasional Tbk can be seen in the Company Profile chapter
Perusahaan pada Laporan Tahunan. in the Annual Report.
Pinjaman subordinasi pada tanggal 31 Desember 2024 dan Subordinated loans as of December 31, 2024 and 2023 is
2023 sebesar Rp200.000.000.000. Rp200,000,000,000.
28. MODAL SAHAM 28. SHARE CAPITAL
Rincian modal dasar, modal ditempatkan dan disetor penuh The details of the Bank’s authorized capital, issued and fully
Bank pada tanggal 31 Desember 2024 dan 2023 adalah paid as of December 31, 2024 and 2023 are as follows:
sebagai berikut:
2024 dan/ and 2023
Jumlah saham
ditempatkan Nominal per
dan disetor saham (rupiah Jumlah modal
penuh/ penuh)/ Par disetor (rupiah Persentase
Number of value per share penuh)/ Total paid- kepemilikan/
shares issued (full rupiah up capital (full Percentage of
Pemegang saham and fully paid amount) rupiah amount) ownership Shareholders
Modal dasar Authorized capital
Saham biasa 52.310.000.000 110,88 5.800.132.800.000 - Common stock
Modal ditempatkan dan Issued and fully paid
disetor penuh capital
PT Cakra Inti Utama 2.908.909.842 110,88 322.539.923.281 14,38% PT Cakra Inti Utama
PT Pirus Platinum Murni 1.361.238.977 110,88 150.934.177.770 6,73% PT Pirus Platinum Murni
PT Cerana Artha Putra 1.322.157.253 110,88 146.600.796.213 6,54% PT Cerana Artha Putra
PT Puspita Bisnispuri 1.087.913.290 110,88 120.627.825.595 5,38% PT Puspita Bisnispuri
PT Arthamulia Sentosajaya 839.439.091 110,88 93.077.006.410 4,15% PT Arthamulia Sentosajaya
PT Karya Nusantara
PT Karya Nusantara Permai 712.647.774 110,88 79.018.385.181 3,52% Permai
Masyarakat (masing-
masing di bawah 5%) 11.991.106.680 110,88 1.329.573.908.678 59,30% Public (each below 5%)
Jumlah 20.223.412.907 2.242.372.023.128 100% Total
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
28. MODAL SAHAM (lanjutan) 28. SHARE CAPITAL (continued)
Peningkatan modal ditempatkan dan disetor penuh Bank The increase in the Bank’s issued and fully paid capital
tersebut di atas telah diterima dan dicatat di dalam Sistem aforementioned has been accepted and recorded in the Legal
Administrasi Badan Hukum Kementerian Hukum dan Hak Entity Administration System of the Ministry of Law and
Asasi Manusia Republik Indonesia berdasarkan Surat Human Rights Department of the Republic of Indonesia under
Laporan Penerimaan Pemberitahuan Perubahan Anggaran Admission Notification Amendment No. AHU-AH.01.03-
Dasar No. AHU-AH.01.03-0110476 tanggal 21 Desember 0110476 dated December 21, 2016.
2016.
Berdasarkan Pernyataan Keputusan Rapat Umum Pemegang Based on the Resolution of Extraordinary General Meeting of
Saham Luar Biasa tanggal 30 Juni 2016, yang dinyatakan Shareholders dated June 30, 2016, as covered by Notarial
dalam Akta Notaris Dr. Irawan Soerodjo, SH, M.Si., tanggal Deed of Dr. Irawan Soerodjo, SH, M.Si., dated December 20,
20 Desember 2016, para pemegang saham Bank memutuskan 2016, the Bank’s shareholders resolved to agree with the
untuk menyetujui penerbitan saham baru melalui issuance of new shares through Rights Issue With Pre-
Penambahan Modal Dengan Hak Memesan Efek Terlebih Emptive Rights (PMHMETD) of 5,000,000,000 shares with
Dahulu (PMHMETD) sebanyak-banyaknya 5.000.000.000 par value of Rp110.88 (full Rupiah amount) per share
saham dengan nilai nominal Rp110,88 (Rupiah penuh) per attached with Warrants not exceeding 35% of the Bank’s total
saham disertai dengan Waran yang jumlahnya tidak melebihi issued shares at the time of submission of the Registration
dari 35% dari jumlah saham yang ditempatkan Bank pada saat Statement to OJK.
penyampaian Pernyataan Pendaftaran kepada OJK.
Sehubungan dengan hal tersebut di atas, Bank melakukan In connection with the above matter, the Bank conducted
Penawaran Umum Terbatas V (PUT V) kepada para Limited Public Offering V (LPO V) to the Bank’s
pemegang saham Bank dengan memberikan HMETD untuk shareholders through Rights Issue With Pre-Emptive Rights
menerbitkan sebanyak 2.707.918.808 saham dengan nilai (HMETD) by issuing of 2,707,918,808 shares with par value
nominal Rp110,88 (Rupiah penuh) per saham dan harga of Rp110.88 (full Rupiah amount) per share and offering
penawaran Rp111,00 (Rupiah penuh) per saham, serta price of Rp111.00 (full Rupiah amount) per share, and
4.513.198.013 Waran Seri I yang mewakili 34,48% dari 4,513,198,013 Seriess I Warrant which represent 34.48% of
jumlah saham yang ditempatkan dan disetor penuh sebelum total issued and fully paid shares before LPO V conducted.
PUT V ini dilaksanakan. Setiap 6 (enam) saham hasil Every 6 (six) shares from HMETD entitles to obtain 10 (ten)
pelaksanaan HMETD berhak memperoleh 10 (sepuluh) Seriess I Warrant where by 1 (one) Seriess I Warrant can be
Waran Seri I dimana setiap 1 (satu) Waran Seri I dapat used for buy 1 (one) new share with offering price of
digunakan untuk membeli 1 (satu) saham baru dengan harga Rp111.00 (full Rupiah amount). The term of Warrant
penawaran Rp111,00 (Rupiah penuh). Masa berlaku execution starting from June 19, 2017 up to December 7,
pelaksanaan Waran adalah sejak tanggal 19 Juni 2017 sampai 2021.
dengan 7 Desember 2021.
Jumlah dana yang diperoleh dari penambahan modal saham The total funds received from Rights Issue With Pre-Emptive
dengan HMETD adalah sebesar Rp300.579. Rights (HMETD) amounted to Rp300,579.
Berdasarkan Akta No 05 tanggal 10 Maret 2021 dari Based on Deed No. 05 dated March 10, 2021 from Mochamad
Mochamad Nova Faisal S.H., M.Kn., Notaris di Jakarta, Nova Faisal S.H., M.Kn., Notary in Jakarta, the Bank's issued
modal ditempatkan dan disetor Bank sampai dengan tanggal and paid-up capital up to March 10, 2021 increased to
10 Maret 2021 meningkat menjadi 15.934.675.830 saham 15,934,675,830 shares in connection with the Convertible
sehubungan dengan Konversi Waran Seri I sebanyak Warrant Seriess I of 138,480,733 share. This amendment
138.480.733 saham. Akta perubahan ini telah disahkan oleh deed has been ratified by the Minister of Law and Human
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Rights of the Republic of Indonesia based on Decree
berdasarkan Surat Keputusan No. AHU-AH.01.03-0158789 No. AHU-AH.01.03-0158789 March 12, 2021.
tanggal 12 Maret 2021.
Berdasarkan Akta No 117 tanggal 16 Agustus 2021 dari Based on Deed No. 117 dated August 16, 2021 from Christina
Christina Dwi Utami S.H., M.Hum., M.Kn. Notaris di Dwi Utami S.H., M. Hum., M.Kn. Notary in Jakarta, the
Jakarta, modal ditempatkan dan disetor Bank sampai dengan Bank's issued and paid-up capital up to July 29, 2021
tanggal 29 Juli 2021 meningkat menjadi 15.982.844.471 increased to 15,982,844,471 shares in connection with the
saham sehubungan dengan Konversi Waran Seri I sebanyak Seriess I Conversion of Warrants of 48,168,641 shares. This
48.168.641 saham. Akta perubahan ini telah disahkan oleh amendment deed has been ratified by the Minister of Law and
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Human Rights of the Republic of Indonesia based on Decree
berdasarkan Surat Keputusan No. AHU-AH.01.03-0438182 No. AHU-AH.01.03-0438182 dated August 18, 2021.
tanggal 18 Agustus 2021.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
28. MODAL SAHAM (lanjutan) 28. SHARE CAPITAL (continued)
Berdasarkan Akta No 145 tanggal 10 Desember 2021 dari Based on Deed No. 145 dated December 10, 2021 from
Christina Dwi Utami S.H., M.Hum., M.Kn. Notaris di Christina Dwi Utami S.H., M. Hum., M.Kn. Notary in
Jakarta, modal ditempatkan dan disetor Bank sampai dengan Jakarta, the Bank's issued and paid-up capital up to
tanggal 08 Desember 2021 meningkat menjadi December 08, 2021 increased to 20,223,412,907 shares in
20.223.412.907 saham sehubungan dengan Konversi Waran connection with the Conversion of Warrant Seriess I totaling
Seri I sebanyak 4.240.568.436 saham. Akta perubahan ini 4,240,568,436 shares. This amendment deed has been ratified
telah disahkan oleh Menteri Hukum dan Hak Asasi Manusia by the Minister of Law and Human Rights of the Republic of
Republik Indonesia berdasarkan Surat Keputusan Indonesia based on Decree No. AHU-AH.01.03-0485846
No. AHU-AH.01.03-0485846 tanggal 15 Desember 2021. December 15, 2021.
29. TAMBAHAN MODAL DISETOR – BERSIH 29. ADDITIONAL PAID-IN CAPITAL – NET
Rincian tambahan modal disetor pada tanggal 31 Desember The details of additional paid-in capital as of December 31,
2024 dan 2023 adalah sebagai berikut: 2024 and 2023 are as follows:
2024 dan/ and 2023
Penawaran umum perdana tahun 1990 43.750 Initial public offering in 1990
Saham bonus pada tahun 1993 (25.000) Bonus shares in 1993
Bagian yang tidak dapat dicatat (partial delisting) pada (12.500) Partial delisting in 1997
tahun 1997
Penawaran Umum Terbatas I (PUT I) pada tahun 1999 818.125 Limited Public Offering I (LPO I) in 1999
Penyesuaian nilai aset bersih Bank hasil merger dalam Bank’s net asset value adjustment resulting
rangka penggabungan usaha dengan PT Bank Artha from the merger in the context of its merger with PT Bank
Graha (408.457) Artha Graha
Penawaran Umum Terbatas II (PUT II) pada tahun 2007 3.461 Limited Public Offering II (LPO II) in 2007
Penawaran Umum Terbatas III (PUT III) pada tahun 2008 323 Limited Public Offering III (LPO III) in 2008
Biaya emisi saham (915) Shares issuance costs
Penawaran UmumTerbatas IV (PUT IV) pada tahun 2012 542 Limited Public Offering IV (LPO IV) in 2012
Biaya emisi saham (2.407) Shares issuance costs
Penawaran Umum Terbatas IV (PUT V) pada tahun 2016 325 Limited Public Offering IV (LPOV) in 2016
Biaya emisi saham (3.080) Shares issuance costs
Pengampunan Pajak 586 Tax Amnesty
Pelaksanaan Waran Seri I 532 Execution of Seriess I Warrants
Tambahan modal disetor – bersih 415.285 Additional paid-in capital – net
30. PENDAPATAN BUNGA 30. INTEREST INCOME
Akun ini merupakan pendapatan bunga diperoleh dari: This account represents interest income from:
2024 2023
Kredit yang diberikan Loans
Revolving loans 442.234 333.705 Revolving loans
Fixed loans 412.869 534.312 Fixed loans
Konsumtif 156.570 169.791 Consumptive
Pinjaman rekening koran 19.408 15.395 Overdraft
Efek-efek Marketable securities
Obligasi Pemerintah 409.855 261.539 Government Bonds
Obligasi Korporasi 66.923 69.730 Corporate Bonds
Sekuritas Rupiah Bank Indonesia - 706 Rupiah securities of Bank Indonesia
Wesel ekspor 8.229 4.887 Export bill
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Jasa giro Bank Indonesia 54.642 34.037 Interest from Bank Indonesia
Sertifikat deposito Bank Indonesia 39.889 38.668 Certificates deposits of Bank Indonesia
Call money 20.166 16.783 Call money
Penempatan pada bank lain dan lain-
lain 15.279 5.200 Placements with other banks and others
Jumlah 1.646.064 1.484.753 Total
Jumlah pendapatan bunga dari pihak berelasi untuk tahun Total interest income from related parties for the years ended
yang berakhir pada tanggal-tanggal 31 Desember 2024 dan December 31, 2024 and 2023 amounted to Rp18,119 and
2023 masing-masing adalah sebesar Rp18.119 dan Rp15.342 Rp15,342, respectively (Note 38).
(Catatan 38).
- 106 -
Page 637
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31. BEBAN BUNGA 31. INTEREST EXPENSES
Akun ini merupakan beban bunga atas: This account represents interest expenses on:
2024 2023
Rupiah Rupiah
Simpanan nasabah 640.501 448.718 Deposits from customer
Simpanan dari bank lain 21.331 6.260 Deposits from other banks
LTN Subordinasi I tahap I 19.000 19.000 Subordinated LTN I stage I
Dana kelolaan tidak kena pajak 16.940 18.674 Non-taxable management funds
Sub jumlah 697.772 492.652 Sub total
Mata Uang Asing Foreign Currencies
Simpanan nasabah 37.208 10.122 Deposits from customers
Simpanan dari bank lain 1.015 - Deposits from other banks
Sub jumlah 38.223 10.122 Sub total
Jumlah 735.995 502.774 Total
Jumlah beban bunga dari pihak berelasi untuk tahun yang Total interest expenses from related parties for the years
berakhir pada tanggal-tanggal 31 Desember 2024 dan 2023 ended December 31, 2024 and 2023 amounted to Rp30,723
masing-masing adalah sebesar dan Rp30.723 dan Rp15.422 and Rp15,422, respectively (Note 38).
(Catatan 38).
32. BEBAN TENAGA KERJA 32. EMPLOYEE EXPENSES
Rincian beban tenaga kerja adalah sebagai berikut: The details of employee expenses are as follows:
2024 2023
Gaji 194.772 192.200 Salaries
Tunjangan 58.126 52.193 Allowances
Imbalan pasca kerja (Catatan 26) 17.088 19.356 Post-employment benefits (Note 26)
Asuransi 16.244 15.467 Insurance
Lain-lain 839 746 Others
Jumlah 287.069 279.962 Total
33. BEBAN OPERASIONAL 33. OPERATIONAL EXPENSES
Rincian beban operasional adalah sebagai berikut: The details of operational expenses are as follows:
2024 2023
Operasional 122.712 272.650 Operational
Teknologi dan informasi 85.217 66.459 Technology and information
Keamanan dan kebersihan 48.671 45.493 Security and cleaning
Premi penjaminan LPS (Catatan 43) 43.722 36.596 Premium paid to LPS (Note 43)
Jasa profesional 30.368 27.737 Professional fees
Jasa outsourcing 25.747 23.189 Outsourcing service
Komunikasi 15.165 14.316 Communication
Utilitas 14.443 13.623 Utilities
Iuran 14.162 12.291 Dues
Transportasi 13.258 11.753 Transportation
Sewa peralatan 11.060 9.335 Rent equipment
Pengembangan karyawan 10.531 10.703 Training
Pemeliharaan 10.395 13.238 Maintenance
Asuransi 10.265 10.572 Insurance
Barang cetakan 8.007 4.693 Printing
Fee 7.474 3.301 Fee
ATM 4.920 5.207 ATM
Pajak 2.111 1.402 Tax
Administrasi bank 881 927 Bank administration
Legal 81 296 Office supplies
Lainnya 68.552 5.851 Others
Jumlah 547.742 589.632 Total
- 107 -
Page 638
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
34. BEBAN UMUM DAN ADMINISTRASI 34. GENERAL AND ADMINISTRATIVE EXPENSES
Rincian beban umum dan administrasi adalah sebagai berikut: The details of general and administrative expense are as
follows:
2024 2023
Penyusutan (Catatan 16) 70.369 65.054 Depreciation (Note 16)
Pemasaran dan promosi 51.440 42.365 Marketing and promotion
Perbaikan dan pemeliharaan 22.822 15.542 Repairs and maintenance
Amortisasi (Catatan 17) 15.919 11.309 Amortization (Note 17)
Jumlah 160.550 134.270 Total
35. KERUGIAN PENURUNAN NILAI ASET KEUANGAN 35. IMPAIRMENT LOSS ON FINANCIAL AND NON-
DAN NON-KEUANGAN – BERSIH FINANCIAL ASSETS – NET
Rincian kerugian (pemulihan) penurunan nilai aset keuangan Details of loss (recovery) for impairment of financial and
dan non-keuangan adalah sebagai berikut: non-financial assets are as follows:
2024 2023
Rupiah Rupiah
Agunan yang diambil alih (Catatan 18) 38.810 87.684 Foreclosed assets (Note 18)
Kredit yang diberikan (Catatan 13h) 38.997 43.491 Loans (Note 13h)
Efek-efek (Catatan 8 dan 9) 360 138 Marketable securities (Note 8 and 9)
Tagihan lain-lain 153 (208) Other receivables
Giro pada bank lain 70 - Current accounts in other banks
Sub jumlah 78.390 131.105 Sub total
Mata Uang Asing Foreign Currencies
Giro pada bank lain 20 (67) Current accounts in other banks
Kredit yang diberikan (Catatan 13h) (3.559) (27.381) Loans (Note 13h)
Efek-efek (Catatan 8 dan 9) 175 - Marketable securities (Note 8 and 9)
Sub jumlah (3.364) (27.448) Sub total
Jumlah 75.026 103.657 Total
36. PENDAPATAN (BEBAN) NON-OPERASIONAL – 36. NON-OPERATING INCOME (EXPENSES) - NET
NETO
Rincian pendapatan (beban) non-operasional adalah sebagai The details of non-operating income (expenses) are as
berikut: follows:
2024 2023
Laba penjualan aset tetap (Catatan 16) 211 231 Gain on sale officed assets (Note 16)
Tanggung jawab sosial Korporasi (7.904) (10.995) Corporate social responsibility
Lain-lain 181 7.045 Others
Jumlah (7.512) (3.719) Total
- 108 -
Page 639
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
37. LABA PER SAHAM DASAR 37. BASIC EARNINGS PER SHARE
Laba per saham dihitung dengan membagi laba tahun berjalan Basic earning per share is compute by dividing profit for the
dengan jumlah rata-rata tertimbang saham yang beredar pada year with the weighted-average number of shares outstanding
tahun berjalan. Rincian perhitungan laba per saham dasar during the year. The details of calculation of basic earning
adalah sebagai berikut: per share is as follows:
2024 2023
Laba tahun berjalan untuk perhitungan Profit for the year to be accounted for basic
laba per saham dasar 152.474 146.753 earnings per share
Jumlah rata-rata tertimbang saham The weighted-average of common stock for
biasa untuk perhitungan laba per computation of basic earnings per share
saham dasar 20.223 20.223
Jumlah rata-rata tertimbang saham Weighted average number of ordinary
biasa untuk perhitungan laba bersih shares for computation of diluted
per saham dilusian 20.223 20.223 earnings per share
Laba per saham dasar Basic earnings per share
(rupiah penuh) 7,54 7,26 (full rupiah amount)
Laba per saham dilusian Earnings per diluted (full amount)
(nilai penuh) 7,54 7,26
Laba (rugi) per saham dasar dihitung dengan membagi laba Basic earnings (loss) per share is calculated by dividing the
(rugi) bersih yang tersedia bagi pemegang saham dengan rata- net earnings (loss) attributable to shareholders by the
rata tertimbang saham biasa yang beredar pada tahun yang weighted average number of ordinary shares on issue during
bersangkutan. the year.
Laba (rugi) per saham dilusian dihitung dengan membagi laba Diluted earnings (loss) per share is calculated by dividing the
(rugi) bersih yang tersedia bagi pemegang saham dengan net profit (loss) available to shareholders by the weighted
rata-rata tertimbang saham biasa yang telah disesuaikan average ordinary shares adjusted for the effects of all dilutive
dengan dampak dari semua efek berpotensi saham biasa yang potential ordinary shares.
dilutif.
Pada tanggal 31 Desember 2024 dan 2023 tidak ada sekuritas As of December 31, 2024 and 2023, there are no convertible
konversi yang berpotensi mendilusi laba (rugi) per saham securities that have the potential to dilute the basic earnings
dasar di masa depan. (loss) per share in the future.
38. TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK 38. TRANSACTIONS AND BALANCES WITH RELATED
BERELASI PARTIES
Dalam kegiatan usaha normal, Bank melakukan transaksi In the normal course of business, the Bank entered into
dengan pihak-pihak berelasi. Transaksi dengan pihak-pihak transaction with related parties. Transactions with related
berelasi tersebut dilaksanakan dengan syarat dan kondisi yang parties were conducted under terms and conditions similar to
sama sebagaimana dilakukan dengan pihak ketiga. those granted to third parties.
Saldo dan transaksi dengan pihak-pihak berelasi Balance and transactions with related parties
Rincian saldo dengan pihak-pihak berelasi adalah sebagai The details of balance with related parties are as follows:
berikut:
2024 2023
Laporan posisi keuangan Statement of financial position
Kredit yang diberikan – bersih
(Catatan 13) Loans - net (Note 13)
PT Danayasa Arthatama Tbk 123.850 142.969 PT Danayasa Arthatama Tbk
Panji Yudha Winata 75.031 82.718 Panji Yudha Winata
Kharisma Arya Paksi 67.012 49.364 Kharisma Arya Paksi
PT Andara Duta Mandiri 29.860 - PT Andara Duta Mandiri
Samir 21.394 22.943 Samir
Andi Bharata Winata 8.205 10.821 Andi Bharata Winata
Emelia Susanto 1.462 2.305 Emelia Susanto
Jumlah – bersih 326.814 311.120 Total – net
Persentase dari jumlah kredit yang
diberikan 3,08% 2,56% Percentage from total loans
Persentase dari jumlah aset 1,08% 1,19% Percentage from total assets
- 109 -
Page 640
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK 38. TRANSACTIONS AND BALANCES WITH RELATED
BERELASI (lanjutan) PARTIES (continued)
Saldo dan transaksi dengan pihak-pihak berelasi Balance and transactions with related parties (continued)
(lanjutan)
2024 2023
Laporan posisi keuangan (lanjutan) Statement of financial position (continued)
Simpanan nasabah (Catatan 20) Deposits from customers (Note 20)
Giro 420.054 337.908 Demand deposits
Tabungan 38.911 40.220 Savings deposits
Deposito berjangka 720.899 841.451 Time deposits
Jumlah 1.179.864 1.219.579 Total
Persentase dari jumlah simpanan Percentage from total deposits
nasabah 4,94% 5,91% from customers
Persentase dari jumlah liabilitas 4,58% 5,56% Percentage from total liabilities
Rincian transaksi dengan pihak-pihak berelasi adalah sebagai The details of transactions with related parties are as follows:
berikut:
2024 2023
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive Income
Pendapatan bunga (Catatan 30) 18.119 15.342 Interest income (Note 30)
Persentase dari jumlah pendapatan bunga 2,46% 1,03% Percentage from total interest income
Beban bunga (Catatan 31) 30.723 15.422 Interest expenses (Note 31)
Persentase dari jumlah beban bunga 4,17% 3,07% Percentage from total interest expenses
Manajemen kunci (Catatan 1c) 37.036 37.126 Key management (Note 1c)
Persentase dari jumlah beban tenaga kerja 12,90% 13,26% Percentage from total personel expenses
Beban sewa gedung 22.059 24.187 Rent building expenses
Persentase dari jumlah beban operasi 4,03% 4,10% Percentage from total operational expenses
a. Transaksi Build, Operate, and Transfer (BOT) atas a. The transaction of Build, Operate, and Transfer (BOT)
Gedung Artha Graha dengan PT Buanagraha Arthaprima of Artha Graha Building with PT Buanagraha
selama jangka waktu 40 tahun (Catatan 16). Arthaprima has a term of 40 years (Note 16).
b. Bank melakukan transaksi sewa gedung dengan b. The Bank has entered into a building rental with
PT Buanagraha Arthaprima dan diakui sebagai aset hak PT Buanagraha Arthaprima and recognized as right of
guna. use assets.
c. Komitmen dan kontinjensi dengan pihak-pihak berelasi c. Commitments and contingencies with related parties as
pada tanggal 31 Desember 2024 dan 2023 masing- of December 31, 2024 and 2023 amounted to Rp74,172
masing sebesar Rp74.172 dan Rp40.000. (Catatan 39). and Rp40,000 respectively (Note 39).
Sifat relasi Nature of relationship
Pihak-pihak berelasi adalah perusahaan dan perorangan yang Related parties are companies and individuals who directly
mempunyai keterkaitan kepemilikan atau kepengurusan or indirectly have relationships with the Bank through
secara langsung maupun tidak langsung dengan Bank. ownership or management.
Pihak Berelasi/ Sifat dari Hubungan/ Sifat dari Transaksi/
Related Parties Nature of Relationship Nature of Transaction
Memiliki kesamaan pemegang saham/ BOT, giro dan deposito berjangka/
PT Buanagraha Arthaprima
Has same shareholders BOT, demand deposits and time deposits
Pemegang saham Bank/ Jaminan Perusahaan dan giro/
PT Cerana Arthaputra
Bank’s shareholder Corporate guarantee and demand deposits
Pemegang saham Bank/ Jaminan Perusahaan dan giro/Corporate
PT Karya Nusantara Permai
Bank’s shareholder guarantee and demand deposits
Pemegang saham Bank/ Jaminan Perusahaan dan giro/
PT Pirus Platinum Murni
Bank’s shareholder Corporate guarantee and demand deposits
Pemegang saham Bank/ Giro dan deposito berjangka/
PT Cakra Inti Utama
Bank’s shareholder Demand deposits and time deposits
Pemegang saham Bank/ Jaminan Perusahaan dan giro/
PT Puspita Bisnispuri
Bank’s shareholder Corporate guarantee and demand deposits
- 110 -
Page 641
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK 38. TRANSACTIONS AND BALANCES WITH RELATED
BERELASI (lanjutan) PARTIES (continued)
Sifat relasi (lanjutan) Nature of relationship (continued)
Pihak Berelasi/ Sifat dari Hubungan/ Sifat dari Transaksi/
Related Parties Nature of Relationship Nature of Transaction
Pemegang saham Bank/ Jaminan Perusahaan dan giro/
PT Arthamulia Sentosajaya
Bank’s shareholder Corporate guarantee and demand deposits
PT Andana Utamagraha Afiliasi/ Affiliate Giro / Demand deposits
Giro dan deposito berjangka/
PT Electronic City Indonesia Tbk Afiliasi/Affiliate
Demand deposits and time deposits
PT Erajaya Swasembada Tbk Afiliasi/Affiliate Giro/ Demand deposits
PT Jakarta International Hotels &
Afiliasi/ Affiliate Giro/ Demand deposits
Development Tbk
PT Karya Megah Permai Afiliasi/ Affiliate Giro/ Demand deposits
Giro dan deposito berjangka/
PT Makmur Jaya Serasi Afiliasi/ Affiliate
Demand deposits and time deposits
Giro dan deposito berjangka/
PT Tunas Satya Prakarsa Afiliasi/ Affiliate
Demand deposits and time deposits
PT Grahaputra Sentosa Afiliasi/Affiliate Giro/ Demand Deposits
Giro dan deposito berjangka/
PT Artha Telekomindo Afiliasi/Affiliate
Demand deposits and time deposits
PT Danayasa Arthatama Afiliasi/Affiliate Giro/ Demand Deposits
Giro dan deposito berjangka/
PT Agung Sedayu Afiliasi/Affiliate
Demand deposits and time deposits
Giro dan deposito berjangka/
PT Agung Sedayu Permai Afiliasi/Affiliate
Demand deposits and time deposits
Giro dan deposito berjangka/
PT Multi Artha Pratama Afiliasi/Affiliate
Demand deposits and time deposits
Giro dan deposito berjangka/
PT Global Persada Inti Afiliasi/Affiliate
Demand deposits and time deposits
PT Artha Propertindo Indonesia Afiliasi/Affiliate Giro/ Demand Deposits
PT Adinusa Puripratama Afiliasi/Affiliate Giro/ Demand Deposits
PT Harapan Sinar Sejahtera Afiliasi/Affiliate Giro/ Demand Deposits
Giro dan deposito berjangka/
PT Catur Kusuma Abadi Sejahtera Afiliasi/Affiliate
Demand deposits and time deposits
PT Gemilang Inti Persada Afiliasi/Affiliate Giro/ Demand Deposits
PT Artha Graha Network Afiliasi/Affiliate Giro/ Demand Deposits
PT Detik Amita Sakti Afiliasi/Affiliate Giro/ Demand Deposits
PT Lava Pratama Indonesia Afiliasi/Affiliate Giro/ Demand Deposits
PT Lentera Duasatu Propertindo Afiliasi/Affiliate Giro/ Demand Deposits
Giro dan deposito berjangka/
PT Kharisma Arya Paksi Afiliasi/Affiliate
Demand deposits and time deposits
PT Kresna Aji Sembada Afiliasi/Affiliate Giro/ Demand Deposits
Giro dan deposito berjangka/
PT Artha Graha General Insurance Afiliasi/ Affiliate
Demand deposits and time deposits
PT Bangun Kosambi Sukses Afiliasi/ Affiliate Giro/ Demand Deposits
PT Pantai Indah Kapuk Dua Afiliasi/ Affiliate Giro/ Demand Deposits
Giro dan deposito berjangka/
Yayasan Buddha Tzu Chi Afiliasi/ Affiliate
Demand deposits and time deposits
Dewan Komisaris, Direksi dan Pejabat
Manajemen dan Karyawan Kunci/ Giro, tabungan dan deposito berjangka/
Eksekutif/ Board of Commisioners,
Management and employees Demand, saving and time deposits
Directors and Executive Officers
Seluruh saldo dan transaksi yang signifikan dengan pihak- All balances and significant transactions with related parties
pihak berelasi telah diungkapkan dalam catatan atas laporan are disclosed in the notes to the financial statements.
keuangan.
- 111 -
Page 642
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
39. KOMITMEN DAN KONTINJENSI 39. COMMITMENTS AND CONTINGENCIES
Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan The summary of the Bank’s commitments and contingencies
dalam nilai kontrak adalah sebagai berikut: at contractual amounts is as follows:
2024 2023
Komitmen: Commitments:
Tagihan komitmen: Commitments receivables:
Purchases of spot and forward foreign currency
Pembelian spot dan forward valuta asing 222.895 421.161 purchased
Liabilitas komitmen: Commitments liabilities:
Fasilitas kredit yang belum digunakan (973.904) (466.698) Unused loan facilities
Penjualan spot dan forward valuta asing (23.689) (208.905) Sale of spot and forward foreign currency
L/C yang masih beredar (37.688) - Outstanding irrevocable L/C
Lainnya (6.592) - Others
Liabilitas komitmen – bersih (818.978) (254.442) Commitments liabilities – net
Kontinjensi: Contingencies:
Tagihan kontinjensi: Contingent receivables:
Pendapatan bunga dalam penyelesaian 6.178 6.178 Past due interest revenues
Liabilitas kontinjensi: Contingent liabilities:
Garansi yang diterbitkan (19.227) (24.759) Guarantee issued
Setoran titipan (113.497) (104.691) Deposits
Lain-lain (164.873) (156.692) Others
Liabilitas kontinjensi – bersih (291.419) (279.964) Contingent liabilities – net
Jumlah liabilitas komitmen dan Total commitments and contingencies
kontinjensi – bersih (1.110.397) (534.406) liabilities – net
Pada tanggal 31 Desember 2024 dan 2023, Bank memiliki As of December 31, 2024 and 2023, the Bank has
saldo transaksi komitmen dan kontinjensi dengan pihak-pihak commitments and contingencies transactions balances with
berelasi masing-masing sebesar Rp74.172 dan Rp40.000 related parties amounted to Rp74,172 and Rp40,000,
(Catatan 38). respectively (Note 38).
Perkara hukum Legal matters
Sehubungan dengan Putusan Perkara Nomor 72/Pid.Sus- In connection with Case Decision Number 72/Pid.Sus-
TPK/2024/PN Jkt Pst jo. Putusan Pengadilan Tinggi DKI TPK/2024/PN Jkt Pst jo. DKI Jakarta High Court Decision
Jakarta Nomor 4/PID.SUS-TPK/2025/PT DKI yang Number 4/PID.SUS-TPK/2025/PT DKI conducted by the
dilakukan oleh Jaksa Penuntut Umum pada Kejaksaan Agung Public Prosecutor at the Attorney General's Office of the
Republik Indonesia dimana Bank adalah Kreditur atas Republic of Indonesia where the Bank is a Creditor of some
sebagian harta benda yang menjadi sitaan dalam putusan di of the property confiscated in the above decision.
atas.
Aset sitaan tersebut merupakan aset milik Bank yang The confiscated assets are assets owned by the Bank that have
dijaminkan menurut hukum sejak Tahun 2016 oleh salah satu been legally pledged since 2016 by one of the Bank's debtors,
debitur Bank, jauh sebelum penyitaan. long before the foreclosure.
Adapun alasan Bank melakukan upaya hukum Keberatan atas The reason why the Bank objected to the confiscation is
Penyitaan tersebut adalah karena Bank merupakan Kreditur because the Bank is a Good Faith Creditor protected by law
Beritikad Baik yang dilindungi oleh hukum yang sedang who is seeking and defending the Bank's rights as it should.
mengupayakan dan mempertahankan hak Bank
sebagaimana mestinya.
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Page 643
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. KREDIT PENERUSAN DARI BANK INDONESIA 40. CHANNELING LOANS FROM BANK INDONESIA
Pada tanggal 12 Mei 1999, Bank dengan Bank Indonesia (BI) On May 12, 1999, Bank and Bank Indonesia (BI) entered into
menandatangani Perjanjian Kredit Penerusan kepada channeling loans agreement to provide loans to Small and
Pengusaha Kecil dan Pengusaha Mikro (KPKM), dimana BI Micro Enterprises (KPKM), where by BI has appointed Bank
menunjuk Bank sebagai penyalur Kredit Likuiditas Bank to channel the Bank Indonesia Liquidity Loan (KLBI) for
Indonesia (KLBI) untuk KPKM dan menyalurkan kepada KPKM and provide the loan to its debtors. This facility
debitur. Fasilitas yang diberikan kepada Bank adalah sebesar amounting to Rp31,472. The loan period to the Bank’s
Rp31.472. Jangka waktu pinjaman kepada debitur adalah 2 debtors for 2 (two) to 6 (six) years and this facility will be
(dua) sampai 6 (enam) tahun dan fasilitas kepada Bank akan expired after all principal and interest as stated in the loan
berakhir pada saat seluruh pinjaman pokok dan bunga yang agreement are being settled by the debtors. The facility to the
tercantum dalam perjanjian telah dilunasi. Fasilitas kepada Bank bears interest rate per annum of 13% and interest rate
Bank dikenakan bunga sebesar 13% per tahun dan suku bunga to its debtors for KPKM of 16% per annum.
KPKM kepada debitur sebesar 16% per tahun.
Bank tidak menanggung risiko kredit atas penyaluran KPKM The Bank is not responsible for credit risk of channeling loans
tersebut. to KPKM.
41. POSISI DEVISA BERSIH 41. NET OPEN POSITION
Menurut ketentuan Bank Indonesia berdasarkan Peraturan According to Bank Indonesia Regulation (PBI)
Bank Indonesia (PBI) No.17/5/PBI/2015 tanggal 29 Mei 2015 No.17/5/PBI/2015 dated May 29, 2015 the fourth amendment
perubahan keempat atas PBI No. 5/13/PBI/2003 tentang to PBI No.5/13/PBI/2003 concerning the Net Open Position
Posisi Devisa Bersih Bank Umum tanggal 17 Juli 2003, PDN (NOP) for Commercial Bank dated July 17, 2003, NOP is
ditetapkan maksimum sebesar 20% modal. required to maximum of 20% of capital.
PDN adalah penjumlahan dari nilai absolut untuk jumlah dari NOP is the sum of the absolute values of the net difference
selisih bersih aset dan liabilitas dalam laporan posisi between assets and liabilities in the statement of financial
keuangan untuk setiap mata uang asing dengan selisih bersih position for each foreign currency and the net difference
tagihan dan liabilitas komitmen dan kontinjensi dalam between the receivables and payables both commitments and
rekening administratif untuk setiap mata uang asing yang contingencies in the administrative account for each foreign
semuanya dinyatakan dalam Rupiah. currency, which are all stated in Rupiah.
Pada tanggal 31 Desember 2024 dan 2023, PDN Bank adalah As of December 31, 2024 and 2023, the Bank’s NOP is as
sebagai berikut: follows:
2024
Posisi devisa
bersih (nilai
absolut)/Net open
Aset/ Liabilitas/ position (absolute
Mata Uang Assets Liabilities amount) Currency
Keseluruhan (laporan posisi Aggregate (statement of
keuangan dan rekening financial position and
administratif) administrative accounts)
Dolar Amerika Serikat 1.790.578 1.789.956 622 United States Dollar
Dolar Singapura 49.849 50.186 337 Singapore Dollar
Poundsterling Inggris 7.687 12 7.675 Great Britain Poundsterling
Dolar Australia 4.761 2 4.759 Australian Dollar
Yen Jepang 1.206 4 1.202 Japanese Yen
Dolar Hong Kong 1.447 - 1.447 Hong Kong Dollar
Yuan China 22.309 17.974 4.335 China Yuan
Euro Eropa 4.354 75 4.279 European Euro
Ringgit Malaysia 97 - 97 Malaysian Ringgit
Riyal Saudi 389 - 389 Saudi Riyal
Jumlah 1.882.677 1.858.209 25.142 Total
Modal 3.965.697 Capital
Rasio posisi devisa bersih 0,63% Net open position ratio
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
41. POSISI DEVISA BERSIH (lanjutan) 41. NET OPEN POSITION (continued)
Pada tanggal 31 Desember 2024 dan 2023, PDN Bank adalah As of December 31, 2024 and 2023, the Bank’s NOP is as
sebagai berikut: (lanjutan) follows: (continued)
2023
Posisi devisa
bersih (nilai
absolut)/Net open
Aset/ Liabilitas/ position (absolute
Mata Uang Assets Liabilities amount) Currency
Keseluruhan (laporan posisi Aggregate (statement of
keuangan dan rekening financial position and
administratif) administrative accounts)
Dolar Amerika Serikat 1.634.743 1.642.864 8.121 United States Dollar
Dolar Singapura 45.488 35.260 10.228 Singapore Dollar
Poundsterling Inggris 4.999 12 4.987 Great Britain Poundsterling
Dolar Australia 3.814 2 3.812 Australian Dollar
Yen Jepang 1.651 711 940 Japanese Yen
Dolar Hong Kong 1.063 - 1.063 Hong Kong Dollar
Yuan China 771 10 761 China Yuan
Euro Eropa 2.210 31 2.179 European Euro
Jumlah 1.694.739 1.678.890 32.091 Total
Modal 3.948.432 Capital
Rasio posisi devisa bersih 0,81% Net open position ratio
42. INFORMASI SEGMEN USAHA 42. OPERATING SEGMENT INFORMATION
Segmen operasi Operating segment
Segmen operasi dilaporkan sesuai dengan laporan internal Operating segments are reported in accordance with the
yang disiapkan untuk pengambil keputusan operasional yang internal reporting provided to the chief operating decision
bertanggung jawab untuk mengalokasikan sumber daya ke maker, which is responsible for allocating resources to the
segmen tertentu dan melakukan penilaian atas performanya. reportable segments and assesses its performance. All
Seluruh segmen operasi yang digunakan oleh Bank telah operating segments used by the Bank meet the definition of a
memenuhi kriteria pelaporan berdasarkan PSAK 5 (Revisi reportable segment under SFAS 5 (Revised 2009),
2009), “Segmen Operasi”. “Operating Segments”.
Tidak terdapat pendapatan dari satu konsumen eksternal atau There was no revenue from the external customers or other
pihak lain yang mencapai 10% atau lebih dari jumlah parties that reached 10% or more of the Bank’s income for
pendapatan Bank untuk tahun yang berakhir pada tanggal the years ended December 31, 2024 and 2023.
31 Desember 2024 dan 2023.
Bank memiliki empat pelaporan segmen. Di bawah ini The Bank has four reportable segments. The following
merupakan penjelasan mengenai operasi dari masing-masing describes the operations in each of the Bank’s reportable
pelaporan segmen yang dimiliki oleh Bank: segments:
• Produktif - termasuk pinjaman yang diberikan kepada • Productive - includes loans disbursed to productive
sektor produktif diantaranya, kredit modal kerja dan sectors, among others working capital and investment
investasi. loans.
• Konsumtif - termasuk pinjaman yang diberikan untuk • Consumer - includes loans disbursed for consumptive
keperluan konsumtif. purposes.
• Treasuri - segmen ini terkait dengan kegiatan treasuri • Treasury - undertake the Bank’s treasury activities which
Bank termasuk transaksi money market dan investasi include money market and investment in placements and
dalam bentuk penempatan dan efek. securities.
• Lain-lain - termasuk aktivitas back office dan divisi yang • Others - includes all back office processes and non-profit
tidak menghasilkan laba. generating divisions in the Bank.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
42. INFORMASI SEGMEN USAHA (lanjutan) 42. OPERATING SEGMENT INFORMATION (continued)
Segmen operasi (lanjutan) Operating segment (continued)
2024
Produktif/ Konsumtif/ Treasuri/ Lain-lain/ Jumlah/
Productive Consumer Treasury Others Total
Pendapatan bunga 874.512 156.570 614.982 - 1.646.064 Interest income
Jumlah aset 8.264.968 2.340.510 15.362.193 4.158.722 30.126.393 Total assets
Cadangan
kerugian Allowance for
penurunan nilai (82.507) (449.398) (1.965) (366.158) (900.028) impairment losses
Deposito/ Giro/ Tabungan/ Non DPK/ Jumlah/
Deposits Demand deposits Saving deposits Non DPK Total
Beban bunga (607.282) (59.782) (10.644) (58.287) (735.995) Interest expenses
Jumlah liabilitas 15.538.627 6.517.641 1.834.505 1.895.924 25.786.697 Total liabilities
2023
Produktif/ Konsumtif/ Treasuri/ Lain-lain/ Jumlah/
Productive Consumer Treasury Others Total
Pendapatan bunga 883.412 169.791 431.550 - 1.484.753 Interest income
Jumlah aset 9.598.720 2.548.648 9.883.790 4.072.453 26.103.611 Total assets
Cadangan
kerugian Allowance for
penurunan nilai (403.043) (107.593) (1.186) (327.349) (839.171) impairment losses
Deposito/ Giro/ Tabungan/ Non DPK/ Jumlah/
Deposits Demand deposits Saving deposits Non DPK Total
Beban bunga (397.543) (50.781) (10.515) (43.935) (502.774) Interest expenses
Jumlah liabilitas 12.482.696 6.631.415 1.517.590 1.300.877 21.932.578 Total liabilities
Segmen geografis Geographical segment
Bank beroperasi di dua wilayah geografis utama yaitu Daerah The Bank is operating in two main geographic areas which
Khusus Ibukota Jakarta (DKI Jakarta) dan di luar DKI consists of Special District of Jakarta (DKI Jakarta) and
Jakarta. outside DKI Jakarta.
Berikut ini adalah informasi segmen berdasarkan segmen The following is segment information based on geographic
geografis: segments:
2024
Jakarta/ Jawa/ Sumatera/ Sulawesi/ Kalimantan/ Lainnya/ Jumlah/
Keterangan Jakarta Java Sumatera Sulawesi Kalimantan Other Total Description
Pendapatan: Income:
Pendapatan bunga Interest income
dan operasional and other
lainnya 1.801.811 45.257 74.138 45.900 28.641 7.902 2.003.649 operating income
Beban: Expenses:
Beban bunga dan
operasional Interest and other
lainnya (1.459.488) (89.120) (150.102) (54.160) (22.492) (31.020) (1.806.382) operating expenses
Laba (rugi) Profit (loss) from
operasional 342.323 (43.863) (75.964) (8.260) 6.149 (23.118) 197.267 operations
Laba (rugi) tahun Profit (loss) for the
berjalan 117.427 9.468 21.050 9.000 2.934 (7.405) 152.474 current year
Jumlah aset 24.505.022 1.870.280 2.460.188 648.357 110.484 532.062 30.126.393 Total assets
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
42. INFORMASI SEGMEN USAHA (lanjutan) 42. OPERATING SEGMENT INFORMATION (continued)
Segmen Geografis (lanjutan) Geographical Segment (continued)
Berikut ini adalah informasi segmen berdasarkan segmen The following is segment information based on geographic
geografis: (lanjutan) segments: (continued)
2023
Jakarta/ Jawa/ Sumatera/ Sulawesi/ Kalimantan/ Lainnya/ Jumlah/
Keterangan Jakarta Java Sumatera Sulawesi Kalimantan Other Total Description
Pendapatan: Income:
Pendapatan bunga Interest income
dan operasional and other
lainnya 1.640.952 53.581 44.162 28.987 21.563 8.126 1.797.371 operating income
Beban: Expenses:
Beban bunga dan
operasional Interest and other
lainnya (1.321.104) (82.690) (102.894) (45.651) (16.531) (41.425) (1.610.295) operating expenses
Laba (rugi) Profit (loss) from
operasional 319.848 (29.109) (58.732) (16.664) 5.032 (33.299) 187.076 operations
Laba (rugi) tahun Profit (loss) for the
berjalan 146.859 17.050 20.772 (9.325) 3.583 (32.186) 146.753 current year
Jumlah aset 21.588.599 1.447.675 2.018.834 566.357 107.300 374.846 26.103.611 Total assets
43. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN 43. GOVERNMENT GUARANTEE ON OBLIGATIONS
PEMBAYARAN BANK UMUM PAYMENT OF COMMERCIAL BANKS
Berdasarkan Keputusan Presiden No. 26 Tahun 1998 yang Based on Decree of President of Republic Indonesia No. 26
dilaksanakan melalui Keputusan Menteri Keuangan tanggal of 1998 as implemented through the Decree of Minister of
28 Januari 1998 dan Surat Keputusan Bersama Direksi Bank Finance dated January 28, 1998 and the Joint Decree
Indonesia dan Ketua Badan Penyehatan Perbankan Nasional between Bank Indonesia Board of Directors and Chairman of
(SKB BI dan BPPN) No. 30/270/KEP/DIR dan the Indonesian Bank Restructuring Agency (SKB BI and
No.1/BPPN/1998 tanggal 6 Maret 1998, Pemerintah telah IBRA) No. 30/270/KEP/DIR andNo. 1/IBRA/1998 dated
menjamin kewajiban tertentu dari seluruh bank umum yang March 6, 1998, the Government has guaranteed certain
berbadan hukum Indonesia. obligations of all commercial banks incorporated in
Indonesia.
Berdasarkan perubahan terakhir yang terdapat pada Based on the latest amendment that are stated in the Decree
Keputusan Menteri Keuangan No. 179/KMK.017/2000 of the Minister of Finance No. 179/KMK.017/2000 dated May
tanggal 26 Mei 2000, jaminan tersebut berlaku sejak tanggal 26, 2000, this guarantee is valid from the date of January 26,
26 Januari 1998 sampai dengan 31 Januari 2001 dan dapat 1998 until January 31, 2001 and may be extended
diperpanjang dengan sendirinya setiap 6 (enam) bulan automatically every 6 (six) months continuously, unless
berikutnya secara terus-menerus, kecuali apabila dalam within six (6) months before the expiration of a period
waktu 6 (enam) bulan sebelum berakhirnya jangka waktu Guarantee Program or its extension, the Minister of Finance
Program Penjaminan atau jangka waktu perpanjangannya, announced the termination or alteration of the Guarantee
Menteri Keuangan mengumumkan pengakhiran dan atau Program to be known by the public. For this guarantee, the
perubahan Program Penjaminan tersebut untuk diketahui oleh Government charges premium is calculated based on a
umum. Atas penjaminan ini, Pemerintah membebankan premi certain percentage according to applicable regulations.
yang dihitung berdasarkan persentase tertentu sesuai
ketentuan yang berlaku.
Sesuai dengan Peraturan Menteri Keuangan According to the Minister of Finance Regulation
No.17/PMK.05/2005 tanggal 3 Maret 2005, terhitung sejak No.17/PMK.05/2005 dated March 3, 2005, starting from
tanggal 18 April 2005 jenis kewajiban bank umum yang April 18, 2005, commercial bank obligations guaranted by
dijamin berdasarkan Program Penjaminan Pemerintah Government Guarantee Program included demand deposits,
meliputi giro, tabungan, deposito berjangka dan pinjaman savings deposits, time deposits and borrowings from other
yang diterima dari bank lain dalam bentuk transaksi pasar banks in the form of inter-bank money market transactions.
uang antar bank.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
43. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN 43. GOVERNMENT GUARANTEE ON OBLIGATIONS
PEMBAYARAN BANK UMUM (lanjutan) PAYMENT OF COMMERCIAL BANKS (continued)
Program Penjaminan Pemerintah melalui Unit Pelaksana The Government Guarantee Program through Government
Penjaminan Pemerintah (UP3) telah berakhir pada tanggal 22 Guarantee Implementer Unit (UP3) expired on September 22,
September 2005, sebagaimana dinyatakan dalam Peraturan 2005, as stated in the Minister of Finance Regulation No.
Menteri Keuangan No. 68/PMK.05/2005 tanggal 10 Agustus 68/PMK.05/2005 dated August 10, 2005 concerning
2005 tentang “Perhitungan dan Pembayaran Premi Program “Premium Calculation and Payment of Government
Penjaminan Pemerintah terhadap Kewajiban Pembayaran Guarantee Program on Commercial Bank Payment
Bank Umum” untuk periode 1 Juli sampai dengan 21 Obligations” for the period of July 1 up to September 21,
September 2005. Sebagai pengganti UP3, Pemerintah telah 2005. As a successor of Government Guarantee Program, the
membentuk lembaga independen yaitu Lembaga Penjamin Government has established an independent institution that is
Simpanan (LPS) berdasarkan Undang-Undang No. 24 Tahun Deposit Insurance Corporation (DIC) according to Law No.
2004 tanggal 22 September 2004 tentang “Lembaga 24 Year 2004 dated September 22, 2004 about “Deposit
Penjamin Simpanan”, dimana LPS menjamin dana Insurance Corporation”, which DIC guarantees public funds
masyarakat termasuk dana dari bank lain dalam bentuk giro, including funds from other banks in form of demand deposits,
deposito, sertifikat deposito, tabungan dan/ atau bentuk time deposits, certificates of deposits, saving deposits, and/ or
lainnya yang dipersamakan dengan itu. other similar forms with it.
Berdasarkan salinan Peraturan LPS No. 1/PLPS/2006 tanggal According the copied of DIC Regulation No. 1/PLPS/2006
9 Maret 2006 tentang “Program Penjaminan Simpanan” dated March 9, 2006 concerning “Deposits Guarantee
diatur besarnya saldo yang dijamin untuk setiap nasabah pada Program”, set the amount of the balance guaranteed for each
satu bank adalah paling tinggi sebesar Rp100 juta. customer on a bank is a maximum of Rp100 million.
Sesuai dengan Peraturan Pemerintah No. 66 Tahun 2008 According to Government Regulation No.66 Year 2008 dated
tanggal 13 Oktober 2008 tentang “Besaran Nilai Simpanan October 13, 2008 concerning “The amount of the Deposits
yang Dijamin Lembaga Penjamin Simpanan” maka nilai that Guaranteed by Deposits Insurance Corporation” the
simpanan setiap nasabah pada satu bank yang dijamin oleh value of each customer deposits in one bank that guaranteed
Pemerintah naik menjadi sebesar Rp2 miliar (Rupiah penuh) by the Government raise to Rp2 billion (full Rupiah amount)
dari semula Rp100 juta (Rupiah penuh), efektif sejak tanggal from Rp100 million (full Rupiah amount), which effective
tersebut di atas. since the date stated above.
Tingkat suku bunga penjaminan LPS untuk simpanan dalam The LPS guarantee interest rate for deposits in Rupiah and
Rupiah dan Dolar Amerika Serikat masing-masing sebesar US Dollars is 4.25% and 2.25% as of December 31, 2024 and
4,25% dan 2,25% pada tanggal 31 Desember 2024 dan 2023. 2023, respectively.
Beban premi penjaminan yang dibayar kepada LPS untuk Insurance premium expense paid to DIC for the years ended
tahun yang berakhir pada tanggal-tanggal 31 Desember 2024 December 31, 2024 and 2023 amounted to Rp43,722 and
dan 2023 masing-masing sebesar Rp43.722 dan Rp36.596 Rp36,596 respectively (Note 33).
(Catatan 33).
44. MANAJEMEN RISIKO 44. RISK MANAGEMENT
I. Kerangka manajemen risiko I. Risk management framework
Dalam menerapkan manajemen risiko, Bank Artha In implementing risk management, Bank Artha Graha
Graha Internasional selalu berupaya untuk Internasional always strives to implement operational
melaksanakan strategi operasional yang selaras strategies that are aligned with:
dengan:
- Pertumbuhan bisnis dan peningkatan pangsa - Business growth and an increase in credit market
pasar kredit, serta portofolio pendanaan; share, and funding portfolios;
- Peningkatkan efisiensi operasional Bank; - Improve the efficiency of the Bank's operations;
Menjaga tingkat kebutuhan likuiditas dan modal Maintain the minimum level of liquidity and
minimum sesuai ketentuan regulator; dan capital requirements in accordance with
regulatory requirements; and
Implementasi manajemen risiko yang berorientasi Implementation of business-oriented risk
bisnis. management.
Untuk mencapai hal tersebut, dibutuhkan kerangka To achieve this, a strong basic risk management
dasar manajemen risiko yang kuat, yaitu suatu framework is needed, which is a unity of the risk
kesatuan dari proses manajemen risiko dalam management process in business management and Bank
pengelolaan bisnis serta kegiatan operasional Bank. operations.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
I. Kerangka manajemen risiko (lanjutan) I. Risk management framework (continued)
Bank Artha Graha Internasional telah memiliki Bank Artha Graha Internasional has a basic risk
kerangka dasar manajemen risiko yang mencakup management framework that covers the entire scope of
keseluruhan lingkup aktivitas usaha, transaksi dan business activities, transactions and products of the
produk Bank, termasuk produk dan aktivitas baru. Bank, including new products and activities.
Hal tersebut berdasarkan pada prinsip-prinsip dasar This is based on the basic principles of risk management
pengelolaan risiko yang berlaku dengan menjaga that apply by maintaining a balance between the
keseimbangan antara fungsi pengendalian usaha yang effective business control function, clear policies on risk
efektif, kebijakan yang jelas dalam pengelolaan risiko, management, and business targets that are set in
dan target bisnis yang ditetapkan sebelumnya. advance.
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is carried out
dilaksanakan sesuai dengan Peraturan Otoritas Jasa in accordance with Financial Services Authority
Keuangan No.18/POJK.03/2016 tentang Penerapan Regulation No.18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum, yang terdiri Application of Risk Management for Commercial
dari: Banks, which consists of:
1. Pengawasan aktif Direksi dan Dewan 1. Active supervision by the Directors and the Board
Komisaris dan Direksi of Commissioners and Directors
• Penerapan manajemen risiko melibatkan • The implementation of risk management
pengawasan aktif oleh Direksi dan Dewan involves active supervision by the Directors
Komisaris Bank. Pengawasan dilakukan and Board of Commissioners of the Bank.
sesuai tugas dan tanggung jawab yang Supervision is carried out according to the
diemban dan dilakukan secara berkala dan duties and responsibilities assumed and
konsisten, sekurang-kurangnya setiap carried out regularly and consistently, at
bulan. Dalam hal ini, Dewan Komisaris least every month. In this case, the Board of
bertanggung jawab untuk melakukan Commissioners is responsible for supervising
pengawasan terhadap penerapan the implementation of risk management as a
manajemen risiko secara menyeluruh, whole, including giving approval to policies,
termasuk memberikan persetujuan atas providing risk limits as a reference for taking
kebijakan, memberikan batasan risiko risk by the Bank, and conducting oversight of
sebagai acuan pengambilan risiko oleh its implementation. In carrying out these
Bank, serta melakukan pengawasan atas responsibilities, the Board of Commissioners
pelaksanaannya. Dalam melaksanakan is assisted by the Audit Committee, the Risk
tanggung jawab tersebut, Dewan Komisaris Monitoring Committee, and the
dibantu oleh Komite Audit, Komite Remuneration and Nomination Committee.
Pemantau Risiko, serta Komite Remunerasi
dan Nominasi.
• Sedangkan, Direksi bertanggungjawab • Meanwhile, the Board of Directors is
untuk melakukan pengelolaan risiko, responsible for managing risk, ensuring the
memastikan efektivitas manajemen risiko, effectiveness of risk management, ensuring
memastikan kepatuhan terhadap risk compliance with risk appetite, developing a
appetite, mengembangkan budaya risk management culture, and paying special
manajemen risiko, serta memberikan attention to certain risk areas. In carrying out
perhatian khusus pada area risiko tertentu. these responsibilities, the Board of Directors
Dalam melaksanakan tanggung jawab has formed a committee that helps carry out
tersebut, Direksi telah membentuk komite its duties and responsibilities, which consists
yang membantu pelaksanaan tugas dan of the Risk management Committee, the
tanggung jawabnya, yang terdiri dari Credit Committee, the Asset and Liability
Komite Manajemen Risiko, Komite Kredit, Committee (ALCO), and the Information
Asset and Liability Committee (ALCO), Technology Monitoring Committee. In
serta Komite Pemantau Teknologi addition, the Board of Directors has also
Informasi. Selain itu, Direksi juga telah formed other units and Directorates, namely
membentuk satuan dan Direktorat lain, the Internal Audit Work Unit (SKAI), and the
yaitu Satuan Kerja Audit Internal (SKAI), Directorate of Risk Management
dan Direktorat Risk Management.
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PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
I. Kerangka manajemen risiko (lanjutan) I. Risk management framework (continued)
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is carried out
dilaksanakan sesuai dengan Peraturan Otoritas Jasa in accordance with Financial Services Authority
Keuangan No.18/POJK.03/2016 tentang Penerapan Regulation No.18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum, yang terdiri Application of Risk Management for Commercial
dari: (lanjutan) Banks, which consists of: (continued)
2. Kecukupan kebijakan dan prosedur 2. Adequacy of risk management policies and
manajemen risiko serta penetapan limit risiko procedures and determination of risk limits
• Kebijakan dan prosedur manajemen risiko • Bank Artha Graha Internasional's risk
Bank Artha Graha Internasional telah management policies and procedures have
disusun berdasarkan seluruh aktivitas Bank been prepared based on all Bank activities
serta produk dan jasa layanan yang and products and services provided. This is
diberikan. Hal tersebut ditetapkan secara clearly defined with coverage that is in line
jelas dengan cakupan yang selaras dengan with the Bank's Vision, Mission and business
Visi, Misi serta strategi bisnis Bank. strategy. The risk management guidelines and
Adapun kebijakan pedoman dan prosedur procedures issued by the Bank are part of the
manajemen risiko yang dikeluarkan oleh system and procedures that must be complied
Bank merupakan bagian dari sistem dan with by all levels of the Bank.
prosedur yang wajib dipatuhi oleh seluruh
jajaran Bank.
• Dalam menetapkan kebijakan dan prosedur • In setting risk management policies and
manajemen risiko, Bank menetapkan limit procedures, the Bank sets risk limits that have
risiko yang telah diusulkan oleh unit-unit been proposed by operational work units and
kerja operasional dan disampaikan kepada submitted to the Directorate of Risk
Direktorat Risk Management untuk Management for analysis. The risk
dianalisis. Kajian manajemen risiko akan management review will be recommended to
direkomendasikan kepada Komite the Risk management Committee to be
Manajemen Risiko untuk diusulkan kepada proposed to the Directors for decision
Direksi guna pengambilan keputusan. Hasil making. The results of the determination of
penetapan limit risiko tersebut dituangkan risk limits are outlined in risk management
dalam kebijakan, pedoman dan prosedur policies, guidelines and procedures so that
manajemen risiko agar dapat dikelola secara they can be managed appropriately.
tepat.
• Guna memastikan kecukupannya, • To ensure its adequacy, policies, procedures
kebijakan, prosedur dan limit risiko and risk limits are constantly monitored and
senantiasa diawasi dan di-review secara periodically reviewed by operational work
periodik oleh unit-unit kerja operasional units and implementing risk management
dan pelaksana fungsi manajemen risiko. functions. The review process carried out
Proses review yang dilakukan considers changes in all internal and external
memperhatikan perubahan seluruh aspek aspects of the Bank, including changes in
internal dan eksternal Bank, termasuk banking regulations by regulators so that it is
perubahan ketentuan perbankan oleh in line with the development of the Bank's
regulator sehingga sejalan dengan business and applicable regulatory
perkembangan bisnis Bank dan ketentuan provisions. In addition, the process of
regulator yang berlaku. Selain itu, proses reviewing limit setting related to each type of
review penetapan limit yang terkait dengan risk is carried out by considering business
setiap jenis risiko dilakukan dengan development, complexity of activities,
mempertimbangkan perkembangan bisnis, characteristics of products or services,
kompleksitas aktivitas, karakteristik produk historical data, and available capital
atau jasa, data historis, maupun kecukupan adequacy.
modal yang tersedia.
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Page 650
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
I. Kerangka manajemen risiko (lanjutan) I. Risk management framework (continued)
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is carried out
dilaksanakan sesuai dengan Peraturan Otoritas Jasa in accordance with Financial Services Authority
Keuangan No.18/POJK.03/2016 tentang Penerapan Regulation No.18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum, yang terdiri Application of Risk Management for Commercial
dari: (lanjutan) Banks, which consists of: (continued)
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of the process of identifying,
pemantauan dan pengendalian risiko, serta measuring, monitoring and controlling risk, as
sistem informasi manajemen risiko well as the risk management information system
Proses manajemen risiko, yakni identifikasi, The risk management process, i.e. identification,
pengukuran, pemantauan dan pengendalian measurement, monitoring and risk control, starts
risiko, mulai dilakukan pada masing-masing unit to be carried out in each work unit, where the risk
kerja, di mana risiko tersebut melekat, sesuai is inherent, in accordance with the relevant
dengan kebijakan terkait. Sedangkan, Direktorat policies. Meanwhile, the Directorate of Risk
Risk Management berperan dalam menetapkan Management plays a role in establishing policies
kebijakan dan prosedur manajemen risiko disertai and procedures for risk management accompanied
dengan cara dan metodologinya, serta melakukan by the method and methodology, as well as
serangkaian proses untuk mengumpulkan, carrying out a Seriess of processes to collect,
menganalisa, dan menguji pengukuran serta analyze, and test measurements and report risks
melaporkan risiko yang disampaikan para pemilik presented by the risk owners. Reports on the results
risiko tersebut. Laporan hasil Direktorat Risk of the Directorate of Risk management, which are
Management, yang dimuat dalam Laporan Profil published in the Risk Profile Report, are submitted
Risiko, disampaikan kepada Direksi dan Komite to the Directors and Risk Management Committee
Manajemen Risiko secara bulanan, serta kepada on a monthly basis, as well as to the Financial
Otoritas Jasa Keuangan secara triwulanan dengan Services Authority on a quarterly basis in a timely
tepat waktu. Penyampaian laporan tersebut manner. Submission of the report is accompanied
disertai dengan penyampaian beberapa jenis by the submission of several other types of reports
laporan lainnya kepada manajemen terkait. to related management.
Adapun penerapan proses manajemen risiko The application of the risk management process is
tersebut dijelaskan sebagai berikut: explained as follows:
Front office, merupakan jabatan kerja operasional Front office, is an operational work position owned
yang dimiliki oleh Bank dalam melaksanakan by the Bank in carrying out transactions directly,
transaksi secara langsung, sesuai dengan tugas in accordance with their respective duties and
dan tanggung jawabnya masing-masing, serta responsibilities, as well as managing the Bank's
mengelola portofolio Bank, dengan tetap portfolio, with due regard to the concepts set by
memperhatikan konsep yang ditetapkan oleh risk management, namely:
manajemen risiko, yaitu:
a. Account Officer, Pimpinan Cabang, a. Account Officers, Branch Managers
Direktorat Business Banking: melakukan Direktorat Business Banking: conducting
analisis kredit, rating kredit, pengawasan credit analysis, credit rating, credit
kredit (account supervisory), pengelolaan supervision (account supervisory), credit
kredit (account maintenance), dan management (account maintenance), and
monitoring kredit; credit monitoring;
b. Direktorat Treasury, yaitu Dealer dan b. Treasury Directorate, namely Dealer and
Treasury Sales: melakukan pengelolaan dan Treasury Marketing Unit: carry out
pengawasan risiko pasar dan risiko management and supervision of market risk
likuiditas; dan and liquidity risk; and
c. Unit kerja operasional lainnya, yaitu c. Other operational work units, namely
Customer Service, Teller dan Kepala Kantor Customer Service, Tellers and Heads of
Layanan: melakukan pengelolaan dan Service Offices: carry out operational risk
pengawasan risiko operasional di Kantor management and supervision at the Service
Layanan. Office.
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Page 651
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
I. Kerangka manajemen risiko (lanjutan) I. Risk management framework (continued)
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is carried out
dilaksanakan sesuai dengan Peraturan Otoritas Jasa in accordance with Financial Services Authority
Keuangan No.18/POJK.03/2016 tentang Penerapan Regulation No.18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum, yang terdiri Application of Risk Management for Commercial
dari: (lanjutan) Banks, which consists of: (continued)
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of the process of identifying,
pemantauan dan pengendalian risiko, serta measuring, monitoring and controlling risk, as
sistem informasi manajemen risiko (lanjutan) well as the risk management information system
(continued)
Dalam rangka menerapkan prinsip kehati-hatian In order to apply the prudential principles
(prudential principles) dan penerapan sistem and the application of an early warning
peringatan dini (early warning system), Direktorat system, the Directorate of Risk Management
Risk Management dilibatkan dalam siklus proses is involved in the process cycle of front office
aktivitas front office, dengan cara: activities, by:
a. Melakukan review independen kredit a. Conducting an independent credit review of
terhadap calon debitur sesuai batasan/limit prospective debtors in accordance with the
dan ketentuan yang ditetapkan oleh Direksi; limits and limits set by the Directors;
b. Melakukan identifikasi dan penilaian risiko b. Identifying and assessing risk for each request
atas setiap permohonan penyimpangan dari for deviation from the operational provisions
ketentuan operasi yang diajukan oleh unit submitted by the operational work unit in
kerja operasional sesuai batasan/limit dan accordance with the limits/limits and
ketentuan yang ditetapkan oleh Direksi; dan conditions set by the Directors; and
c. Melakukan kajian risiko atas setiap rencana c. Conduct a risk assessment of each new
penerbitan produk atau aktivitas baru dan product or activity issuance plan and analyze
menganalisa risiko atas proses User the risk of the User Acceptance Test (UAT)
Acceptance Test (UAT) untuk process for the development of existing
pengembangan produk atau aktivitas yang products or activities or plans for the issuance
telah ada maupun rencana penerbitan produk of new products or activities, and provide
atau aktivitas baru, serta memberikan recommendations in the form of suggestions
rekomendasi berupa saran dan masukan and input on each draft policy and procedures
terhadap setiap draft kebijakan dan prosedur to be issued by the Bank.
yang akan diterbitkan oleh Bank.
Middle office (unit manajemen risiko) merupakan Middle office (risk management unit) is a part of
bagian pendukung operasional yang diantaranya operational support which includes conducting
melakukan pengaturan dan penyusunan and preparing operational guidelines/procedures
pedoman/prosedur operasional serta pengawasan and operational supervision, as well as carrying
operasional, serta melakukan manajemen out portfolio management on a bank wide basis,
portofolio secara bank wide, yaitu: namely:
- Direktorat Risk Management - Directorate of Risk Management
a) Mengembangkan prosedur dan alat a) Develop procedures and tools for
untuk identifikasi, pengukuran, identification, measurement, monitoring
pemantauan, dan pengendalian risiko; and risk control;
b) Mendesain dan menerapkan perangkat b) Design and implement the tools needed
yang dibutuhkan dalam penerapan in the application of risk management;
manajemen risiko;
c) Memantau atas implementasi c) Monitor the implementation of policies,
kebijakan, strategi, dan kerangka strategies and risk management
manajemen risiko yang framework recommended by the Risk
direkomendasikan oleh Komite management Committee and which has
Manajemen Risiko dan yang telah been approved by the Board of Directors
disetujui oleh Direksi bersama together with the Board of
Komisaris; Commissioners;
d) Memantau posisi/eksposur risiko d) Monitor overall risk position/exposure
secara keseluruhan (portofolio), (portfolio), as well as by type of risk
maupun per jenis risiko termasuk including monitoring compliance with
pemantauan kepatuhan terhadap risk tolerance and risk limits set by the
toleransi risiko dan limit risiko yang Directors;
ditetapkan oleh Direksi;
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Page 652
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
I. Kerangka manajemen risiko (lanjutan) I. Risk management framework (continued)
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is carried out
dilaksanakan sesuai dengan Peraturan Otoritas Jasa in accordance with Financial Services Authority
Keuangan No.18/POJK.03/2016 tentang Penerapan Regulation No.18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum, yang terdiri Application of Risk Management for Commercial
dari: (lanjutan) Banks, which consists of: (continued)
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of the process of identifying,
pemantauan dan pengendalian risiko, serta measuring, monitoring and controlling risk, as
sistem informasi manajemen risiko (lanjutan) well as the risk management information system
(continued)
Middle office (unit manajemen risiko) merupakan Middle office (risk management unit) is a part of
bagian pendukung operasional yang diantaranya operational support which includes conducting
melakukan pengaturan dan penyusunan and preparing operational guidelines/procedures
pedoman/prosedur operasional serta pengawasan and operational supervision, as well as carrying
operasional, serta melakukan manajemen out portfolio management on a bank wide basis,
portofolio secara bank wide, yaitu: (lanjutan) namely: (continued)
- Direktorat Risk Management (lanjutan) - Directorate of Risk Management (continued)
e) Melakukan stress testing guna e) Conduct stress testing to determine the
mengetahui dampak dari implementasi impact of the implementation of risk
kebijakan dan strategi manajemen management policies and strategies on
risiko terhadap portofolio atau kinerja the portfolio or the Bank's overall
Bank secara keseluruhan; performance;
f) Memberikan rekomendasi kepada unit f) Providing recommendations to business
kerja bisnis dan/atau kepada Komite units and/or to the Risk management
Manajemen Risiko terkait penerapan Committee related to the implementation
manajemen risiko antara lain mengenai of risk management, including the
besaran atau maksimum eksposur amount or maximum risk exposure that
risiko yang dapat dipelihara Bank; can be maintained by the Bank;
- Sub Direktorat Sistem dan Prosedur, Sub Directorate of Systems and Procedures,
berperan dalam mempersiapkan pedoman plays a role in preparing the guidelines and
dan prosedur operasional Bank. operational procedures of the Bank;
Back office merupakan bagian akhir dari proses The back office is the final part of the operational
operasional yang diantaranya melakukan process which includes completing transactions
penyelesaian transaksi dan pengambilan and making decisions including:
keputusan diantaranya:
- Direktorat Risk Management - Directorate of Risk Management
a) Memberikan masukan kepada Komite a) Provide input to the Risk management
Manajemen Risiko dalam penyusunan Committee in the preparation of policies,
kebijakan, pedoman, strategi, dan guidelines, strategies, and risk
kerangka manajemen risiko; management frameworks;
b) Menyusun dan menyampaikan b) Prepare and submit risk profile reports
laporan profil risiko kepada Direksi, to the Board of Directors, the Risk
Komite Manajemen Risiko dan management Committee and the Risk
Komite Pemantau Risiko secara Monitoring Committee on a monthly
bulanan dan kepada regulator secara basis and to regulators on a quarterly
triwulanan. Frekuensi laporan akan basis. Report frequency will be
ditingkatkan apabila kondisi pasar increased if market conditions change
berubah dengan cepat; quickly;
c) Melaksanakan kaji ulang secara c) Carry out periodic reviews with a
berkala dengan frekuensi yang frequency that is tailored to the needs of
disesuaikan dengan kebutuhan Bank, the Bank, to ensure:
untuk memastikan:
• Kecukupan kerangka • Adequacy of the risk management
manajemen risiko; framework;
• Keakuratan metodologi • The accuracy of the risk
penilaian risiko; dan assessment methodology; and
• Kecukupan sistem informasi • Adequacy of risk management
manajemen risiko. information systems.
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Page 653
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
I. Kerangka manajemen risiko (lanjutan) I. Risk management framework (continued)
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is carried out
dilaksanakan sesuai dengan Peraturan Otoritas Jasa in accordance with Financial Services Authority
Keuangan No.18/POJK.03/2016 tentang Penerapan Regulation No.18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum, yang terdiri Application of Risk Management for Commercial Banks,
dari: (lanjutan) which consists of: (continued)
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of the process of identifying,
pemantauan dan pengendalian risiko, serta measuring, monitoring and controlling risk, as
sistem informasi manajemen risiko (lanjutan) well as the risk management information system
(continued)
Back office merupakan bagian akhir dari proses The back office is the final part of the operational
operasional yang diantaranya melakukan process which includes completing transactions
penyelesaian transaksi dan pengambilan and making decisions including: (continued)
keputusan diantaranya: (lanjutan)
- Direktorat Business Banking dan Komite - Business Banking Directorate and Credit
Kredit: melakukan pengelolaan batas limit Committee: manage Remedial credit risk
risiko kredit dan penagihan kredit limits and collection of problem loans;
bermasalah oleh Remedial;
- Direktorat Operation, yaitu Sub Direktorat - Operation Directorate, namely the E-Channel
E-Channel Support & Operation: melakukan Support & Operation Sub Directorate:
pengelolaan risiko settlement. carries out settlement risk management.
Sistem informasi manajemen risiko Risk management information system
- Sistem informasi manajemen risiko harus - The risk management information system
mendukung pelaksanaan pelaporan kepada must support the implementation of reporting
Bank Indonesia dan/atau Otoritas Jasa to Bank Indonesia and/or the Financial
Keuangan serta manajemen sebagai dasar Services Authority and management as a basis
pengambilan keputusan. for decision making.
- Direktorat Risk Management menyusun - The Risk Management Directorate prepares
laporan profil risiko secara berkala kepada regular risk profile reports to the Financial
Otoritas Jasa Keuangan, Direksi, Komite Services Authority, Directors, Risk
Manajemen Risiko dan Komite Pemantau management Committee and Risk Monitoring
Risiko. Selain itu melaporkan pemantauan Committee. Besides reporting the monitoring
dan hasil perhitungan stress testing kepada and the results of stress testing calculations to
Direksi, Komite Manajemen Risiko dan the Directors, Risk management Committee
Komite Pemantau Risiko secara berkala and Risk Monitoring Committee on a regular
dalam rangka mitigasi risiko dan basis in order to mitigate risk and determine
menetapkan tindakan yang diperlukan. the actions needed.
- Kecukupan cakupan informasi yang - The adequacy of the scope of information
dihasilkan dari sistem informasi manajemen generated from the risk management
risiko harus direview secara berkala untuk information system must be reviewed
memastikan bahwa cakupan tersebut telah periodically to ensure that the coverage is
memadai sesuai perkembangan tingkat adequate in accordance with the development
kompleksitas kegiatan usaha Bank. of the level of complexity of the Bank's
business activities.
4 Sistem pengendalian internal yang 4 A comprehensive internal control system
menyeluruh
Sistem pengendalian intern Bank yang handal dan A reliable and effective Bank internal control
efektif menjadi tanggung jawab dari seluruh unit system is the responsibility of all operational work
kerja operasional dan unit kerja pendukung serta units and supporting work units as well as the
Satuan Kerja Audit Intern (SKAI). Internal Audit Work Unit (SKAI).
- 123 -
Page 654
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
I. Kerangka manajemen risiko (lanjutan) I. Risk management framework (continued)
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is carried
dilaksanakan sesuai dengan Peraturan Otoritas Jasa out in accordance with Financial Services Authority
Keuangan No.18/POJK.03/2016 tentang Penerapan Regulation No.18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum, yang terdiri Application of Risk Management for Commercial
dari: (lanjutan) Banks, which consists of: (continued)
4 Sistem pengendalian internal yang 4 A comprehensive internal control system
menyeluruh (lanjutan) (continued)
Fungsi yang menjalankan pengawasan dalam Functions that carry out supervision in internal
pengendalian intern diantaranya: control include:
a. Pengawasan melekat oleh Unit Kontrol a. Supervision is attached by the Control
untuk pengawasan kepatuhan Bank Unit to supervise the Bank's compliance
terhadap ketentuan internal Bank. with the Bank's internal regulations.
b. Pengawasan melekat oleh Direktorat Risk b. Inherent supervision by the Directorate
Management untuk pengawasan of Risk Management for monitoring the
kepatuhan Bank terhadap ketentuan Bank’s compliance with the Bank’s
eksternal Bank. external regulation.
c. Direktorat SKMR & Kepatuhan c. The SKMR & Compliance Directorate
melaksanakan kaji ulang secara berkala carries out regular reviews with a
dengan frekuensi yang disesuaikan frequency adjusted to the Bank's needs,
kebutuhan Bank, untuk memastikan: to ensure:
- Kecukupan kerangka manajemen - Adequacy of the risk management
risiko; framework;
- Keakuratan metodologi penilaian - The accuracy of the risk assessment
risiko; methodology;
- Kecukupan sistem informasi - Adequacy of risk management
manajemen risiko. information systems.
d. Satuan Kerja Audit Intern (SKAI) d. The Internal Audit Work Unit (SKAI)
melakukan: carries out:
- Kaji ulang penerapan manajemen - Periodically review the application
risiko secara berkala. of risk management
- Pemeriksaan sampling secara - Periodic sampling checks and
periodik dan berdasarkan basis based on risk basis.
risiko.
Kerangka dasar manajemen risiko tersebut The basic framework for risk management is
direviu secara periodik dan jika diperlukan dapat reviewed periodically and if necessary it can be
direvisi sesuai dengan perkembangan revised in accordance with the development of
kompleksitas usaha dan risiko Bank, ketentuan Bank business complexity and risk, Bank
Bank Indonesia dan/atau berdasarkan “best Indonesia regulations and/or based on the latest
practices” perbankan terkini. banking "best practices".
II. Struktur organisasi II. Organizational structure
Sebagaimana telah dijelaskan sebelumnya, As explained previously, managing risk management
pengelolaan manajemen risiko di tingkat Direksi at the Board of Directors level is specifically the
secara khusus menjadi tanggung jawab Direktorat Risk responsibility of the Risk Management Directorate
Management yang berada di bawah Direktur Risk which is under the Director of Risk Management &
Management & Compliance. Direktorat Risk Compliance. The Risk Management Directorate has 2
Management memiliki 2 Sub Direktorat, yaitu Sub Sub Directorates, namely the Credit Risk & ESG Sub
Direktorat Credit Risk & ESG yang beranggotakan 5 Directorate which has 5 members and the Non Credit
orang dan Sub Direktorat Non Credit Risk yang Risk Sub Directorate which has 5 members
beranggotakan 5 orang.
Penetapan struktur organisasi manajemen risiko The determination of the risk management
tersebut diharapkan dapat lebih meningkatkan organizational structure is expected to further
kedalaman, sensitivitas, dan kualitas penerapan proses enhance the depth, sensitivity, and quality of the
manajemen risiko dari segi identifikasi, kajian, analisa, application of the risk management process in terms
review, penilaian, pengukuran, penelitian, pemantauan of identification, study, analysis, review, assessment,
dan pengendalian risiko yang dikelola oleh Bank. measurement, research, monitoring and risk control
managed by the Bank.
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Page 655
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko III. Risk profile
PT Bank Artha Graha Internasional Tbk menyadari PT Bank Artha Graha Internasional Tbk realizes that
bahwa semua kegiatan bisnis atau transaksi Bank, baik all business activities or Bank transactions, both from
yang berasal dari aset maupun pasiva, dapat berpotensi assets and liabilities, can potentially lead to various
menimbulkan berbagai jenis risiko. Oleh karenanya, types of risks. Therefore, the Bank has identified the
Bank telah mengidentifikasi risiko-risiko yang risks faced, which include credit risk, market risk,
dihadapi, yang meliputi risiko kredit, risiko pasar, liquidity risk, operational risk, legal risk, strategic
risiko likuiditas, risiko operasional, risiko hukum, risk, compliance risk, and reputation risk.
risiko stratejik, risiko kepatuhan, dan risiko reputasi.
Dalam mengelola risiko-risiko tersebut, Bank Artha In managing these risks, Bank Artha Graha
Graha Internasional secara bertahap dan berkelanjutan Internasional has gradually and continuously carried
melakukan berbagai pengembangan dan out various development and improvement of aspects
penyempurnaan aspek dan komponen penerapan and components in implementing risk management, in
manajemen risiko, sesuai dengan mengenai Penerapan accordance with the Implementation of Risk
Manajemen Risiko pada Perbankan Nasional. management in National Banking. These
Pengembangan dan penyempurnaan tersebut antara developments and improvements are related to risk
lain terkait dengan kebijakan dan prosedur manajemen management policies and procedures, risk
risiko, kajian/analisa risiko, pengukuran/penilaian assessment/analysis, risk measurement/assessment,
risiko, pengelolaan database risiko dan budaya risiko risk database management and risk culture.
(risk culture).
Sebagai bagian dari implementasi regulasi Basel As part of the implementation of the latest Basel
terkini, Bank telah mempersiapkan untuk penggunaan regulations, the Bank has prepared for the use of
metode internal dalam pengukuran risiko sebagai internal methods in measuring risk as follows:
berikut:
• Untuk mendukung proses perhitungan alokasi • To support the credit risk capital allocation
modal risiko kredit, Bank telah mempersiapkan process, the Bank has prepared the Internal
infrastruktur dan metodologi Internal Rating Rating Based Approach (IRBA) infrastructure
Based Approach (IRBA) melalui implementasi and methodology through the implementation of
aplikasi Credit Risk Rating (CRR). Bank juga the Credit Risk Rating (CRR) application. The
telah mengumpulkan database risiko kredit dan Bank has also collected a credit risk database
menyempurnakan proses serta prosedur internal and refined internal processes and procedures so
sehingga Bank diharapkan dapat memperoleh that the Bank is expected to obtain accurate and
data yang akurat dan terpercaya untuk reliable data to support calculations in
menunjang perhitungan sesuai dengan accordance with the IRBA methodology to be
metodologi IRBA yang akan digunakan. used.
• Bank telah melakukan pengembangan dan • The Bank has developed and simulated the
simulasi metodologi perhitungan kebutuhan methodology for calculating internal capital
modal internal untuk menutupi risiko pasar requirements to cover market risk by using Value
dengan menggunakan metode internal VaR at Risk internal methods, namely the Variance co
(Value at Risk) yaitu model Variance co Variance and Historical Simulation models
Variance dan Historical Simulation melalui through the application of Market Risk
aplikasi Market Risk Measurement (MRM). Measurement (MRM).
• Bank telah melakukan pengelolaan pencatatan • The Bank has managed to record data on loss
data kerugian dan potensi kerugian yang terjadi and potential losses that occur at the Risk taking
pada Satuan Kerja Operasional (Risk taking unit) unit periodically through the Operational Risk
secara periodik melalui aplikasi Operational Management (ORM) which includes the
Risk Management (ORM) yang mencakup fungsi functions of Loss Event Data Base (LED), Risk
Loss Event Data Base (LED), Risk Control Self Control Self Assessment (RCSA), and Key Risk
Assesment (RCSA), dan Key Risk Indicator Indicator (KRI) that have been implemented
(KRI) yang telah diimplementasikan secara online in all branches. The management of loss
online di seluruh cabang. Pengelolaan data data is one of the input data in the assessment of
kerugian tersebut sebagai salah satu data input Operational Risk Profile parameters mapped
dalam penilaian parameter Profil Risiko according to the frequency of events and their
Operasional yang dipetakan sesuai frekuensi impact. Loss Event Data Base (LED) will be
kejadian dan dampaknya. Loss Event Data Base developed by the Bank into a capital calculation
(LED) akan menjadi perhitungan modal dengan using a standardized approach.
menggunakan pendekatan standar.
- 125 -
Page 656
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit 1. Credit risk
Risiko kredit adalah risiko akibat kegagalan Credit risk is a risk due to the failure of the
debitur dan/atau pihak lain dalam memenuhi debtor and/or other parties to fulfill obligations
kewajiban kepada Bank. Risiko kredit dikelola to the Bank. Credit risk is managed at both the
baik pada tingkat transaksi (individual) maupun transaction (individual) and portfolio levels as
portofolio serta pelaksanaan stress testing. well as implementing stress testing. Credit risk
Pengelolaan risiko kredit dirancang untuk management is designed to maintain the
menjaga independensi dan integritas proses independence and integrity of the risk
penilaian risiko serta diversifikasi risiko kredit. assessment process and diversification of credit
risk.
a. Risiko kredit maksimum a. Maximum credit risk
Untuk aset keuangan yang diakui di laporan For financial assets recognized in the
posisi keuangan, eksposur maksimum statement of financial position, the
terhadap risiko kredit sama dengan nilai maximum exposure to credit risk is equal
tercatat. Untuk bank garansi dan to the carrying amount. For bank
irrevocable L/C, eksposur maksimum guarantees and irrevocable L/C, the
terhadap risiko kredit adalah nilai maximum exposure to credit risk is the
maksimum yang harus dibayarkan oleh maximum value that must be paid by the
Bank jika liabilitas atas bank garansi dan Bank if liabilities on bank guarantees and
irrevocable L/C terjadi. irrevocable L/C occur.
Tabel berikut menyajikan eksposur The following table presents the Bank's
maksimum Bank terhadap risiko kredit maximum exposure to credit risk for
untuk instrumen keuangan pada laporan financial instruments in the statement of
posisi keuangan dan rekening administratif, financial position and administrative
tanpa memperhitungkan agunan yang accounts, without taking into account the
dimiliki atau perlindungan kredit lainnya. collateral held or other credit protection.
2024 2023
Laporan posisi keuangan Statement of financial position
Giro pada Bank Indonesia 3.024.920 2.658.276 Current accounts with Bank Indonesia
Giro pada Bank lain 349.519 338.300 Current accounts with other Banks
Penempatan pada Bank Indonesia dan Placements with Bank Indonesia
bank lain 2.177.464 711.075 and other banks
Efek-efek 8.502.776 5.788.096 Marketable securities
Wesel ekspor 166.681 131.863 Export bills
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 976.065 125.469 agreement to resell
Tagihan derivatif 48 35 Derivative receivables
Pendapatan bunga yang masih akan
diterima 253.265 326.422 Accrued interest receivables
Kredit yang diberikan 10.605.479 12.147.369 Loans
Tagihan akseptasi 166.682 131.863 Acceptance receivables
Penyertaan saham 6 6 Investment in shares of stock
Aset lain-lain: Other assets:
Setoran jaminan dan tagihan 21.858 38.332 Guarantee deposits and receivables
Jumlah 26.244.763 22.397.106 Total
Tabel berikut menyajikan eksposur The following table presents the Bank’s
maksimum Bank terhadap risiko kredit maximum exposure to credit risk of on
untuk instrumen keuangan pada laporan statement of financial position and off
posisi keuangan dan rekening administratif, statement of financial position items,
tanpa memperhitungkan agunan yang without taking into account any collateral
dimiliki atau perlindungan kredit lainnya. held or other credit enhancement.
2024 2023
Rekening administrative Administrative accounts
Fasilitas kredit yang belum digunakan (973.904) (466.698) Unused loan commitments
Garansi yang diterbitkan (19.227) (24.759) Guarantee issued
L/C yang masih beredar (37.688) - Outstanding irrevocable L/C
Jumlah (1.030.819) (491.457) Total
- 126 -
Page 657
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi b. Concentration credit risk
Pengungkapan konsentrasi risiko kredit The disclosure on the maximum credit risk
maksimum berdasarkan sektor industri concentration by industry sectors as
adalah sebagai berikut: follows:
2024
Lembaga
keuangan Perusahaan
bukan Jasa-jasa lainnya dan
bank/ Non dunia perseorangan/
bank Industri usaha/ Other
Pemerintah/ Bank/ financial pengolahan/ Trade companies and
Government Bank institution Manufacturing services individual Jumlah/ Total
Giro pada Bank Current account with
Indonesia 3.024.920 - - - - - 3.024.920 Bank Indonesia
Current account with other
Giro pada bank lain - 349.519 - - - - 349.519 bank
Penempatan pada Bank Placements with
Indonesia dan bank Bank Indonesia and other
lain 2.177.464 - - - - - 2.177.464 banks
Efek-efek 4.765.800 119.025 - - - 3.617.951 8.502.776 Marketable securities
Wesel ekspor - - - - - 166.681 166.681 Export bills
Efek-efek yang dibeli
dengan janji dijual Securities purchased under
kembali - 976.065 - - - - 976.065 agreement to resell
Tagihan derivatif - 48 - - - - 48 Derivative receivables
Pendapatan bunga yang
masih harus diterima - - 2.655 5.878 547 244.185 253.265 Accrued interest receivables
Kredit yang diberikan - - 324.272 1.893.734 69.892 8.317.581 10.605.479 Loans
Tagihan akseptasi - - - - - 166.682 166.682 Acceptance Receivables
Investment in shares of
Penyertaan saham - - - - - 6 6 stock
Aset lain-lain: Other assets:
Setoran jaminan dan Guarantee deposits
tagihan - - - - - 21.858 21.858 and receivables
Jumlah 9.968.184 1.444.657 326.927 1.899.612 70.439 12.534.944 26.244.763 Total
2023
Lembaga
keuangan Perusahaan
bukan Jasa-jasa lainnya dan
bank/ Non dunia perseorangan/
bank Industri usaha/ Other
Pemerintah/ Bank/ financial pengolahan/ Trade companies and
Government Bank institution Manufacturing services individual Jumlah/ Total
Giro pada Current account with
Bank Indonesia 2.658.276 - - - - - 2.658.276 Bank Indonesia
Current account with other
Giro pada bank lain - 338.300 - - - - 338.300 bank
Penempatan pada Bank Placements with
Indonesia dan bank Bank Indonesia and other
lain 711.075 - - - - - 711.075 banks
Efek-efek 2.350.179 363.008 - - - 3.074.909 5.788.096 Marketable securities
Wesel ekspor - - - - - 131.863 131.863 Export bills
Efek-efek yang dibeli
dengan janji dijual Securities purchased under
kembali - 125.469 - - - - 125.469 agreement to resell
Tagihan derivatif - 35 - - - - 35 Derivative receivables
Pendapatan bunga yang
masih harus diterima - - 60 5.497 48.778 272.087 326.422 Accrued interest receivables
Kredit yang diberikan - - 31.649 1.322.435 310.965 10.482.320 12.147.369 Loans
Tagihan akseptasi - - - - - 131.863 131.863 Acceptance Receivables
Investment in shares of
Penyertaan saham - - - - - 6 6 stock
Aset lain-lain: Other assets:
Setoran jaminan dan Guarantee deposits
tagihan - - - - - 38.332 38.332 and receivables
Jumlah 5.719.530 826.812 31.709 1.327.932 359.743 14.131.380 22.397.106 Total
- 127 -
Page 658
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Eksposur risiko kredit atas komitmen dan Credit risk exposures to commitments and
kontinjensi adalah sebagai berikut: contingencies are as follows:
2024
Lembaga
keuangan Perusahaan
bukan Jasa-jasa lainnya dan
bank/ Non dunia perseorangan/
bank Industri usaha/ Other
Pemerintah/ Bank/ financial pengolahan/ Trade companies and
Government Bank institution Manufacturing services individual Jumlah/ Total
Fasilitas kredit yang
belum digunakan - - 300.013 130.283 - 543.608 973.904 Unused loan facilities
Garansi yang diterbitkan - - - - - 19.227 19.227 Guarantee Issued
Outsatnding
L/C yang masih beredar - - - - - 37.688 37.688 irrevocable L/C
Jumlah - - 300.013 130.283 - 600.523 1.030.819 Total
2023
Lembaga
keuangan Perusahaan
bukan Jasa-jasa lainnya dan
bank/ Non dunia perseorangan/
bank Industri usaha/ Other
Pemerintah/ Bank/ financial pengolahan/ Trade companies and
Government Bank institution Manufacturing services individual Jumlah/ Total
Fasilitas kredit yang
belum digunakan - - 51.000 150.775 - 264.923 466.698 Unused loan facilities
Garansi yang diterbitkan - - - - - 24.759 24.759 Guarantee Issued
Outsatnding
L/C yang masih beredar - - - - - - - irrevocable L/C
Jumlah - - 51.000 150.775 - 289.682 491.457 Total
Pengungkapan konsentrasi risiko kredit The disclosure on the maximum credit risk
maksimum berdasarkan letak geografis concentration by geography is as follows:
adalah sebagai berikut:
2024
DKI Jakarta/ Special Luar DKI Jakarta/ Jumlah/
District of Jakarta Outside DKI Jakarta Total
ASET ASSETS
Current accounts with Bank
Giro pada Bank Indonesia 3.024.920 - 3.024.920 Indonesia
Giro pada bank lain 349.269 250 349.519 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 2.177.464 - 2.177.464 and other banks
Efek-efek 8.502.776 - 8.502.776 Marketable securities
Wesel ekspor 166.681 - 166.681 Export bills
Efek-efek yang dibeli
dengan janji dijual Securities purchased under
kembali 976.065 - 976.065 agreement to resell
Tagihan derivatif 48 - 48 Derivative receivables
Pendapatan bunga yang
masih akan diterima 246.982 6.283 253.265 Accrued interest receivables
Kredit yang diberikan 8.755.550 1.849.929 10.605.479 Loans
Tagihan akseptasi 166.682 - 166.682 Acceptance receivables
Penyertaan saham 6 - 6 Investment in shares of stock
Aset lain-lain: Other assets:
Setoran jaminan dan Guarantee deposits and
tagihan 21.858 - 21.858 receivables
Jumlah Aset 24.388.301 1.856.462 26.244.763 Total Assets
- 128 -
Page 659
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Pengungkapan konsentrasi risiko kredit The disclosure on the maximum credit risk
maksimum berdasarkan letak geografis concentration by geography is as follows:
adalah sebagai berikut: (lanjutan) (continued)
2023
DKI Jakarta/ Special Luar DKI Jakarta/ Jumlah/
District of Jakarta Outside DKI Jakarta Total
ASET ASSETS
Current accounts with Bank
Giro pada Bank Indonesia 2.658.276 - 2.658.276 Indonesia
Giro pada bank lain 338.050 250 338.300 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 711.075 - 711.075 and other banks
Efek-efek 5.788.096 - 5.788.096 Marketable securities
Wesel ekspor 131.863 - 131.863 Export bills
Efek-efek yang dibeli
dengan janji dijual Securities purchased under
kembali 125.469 - 125.469 Agreement to resell
Tagihan derivatif 35 35 Derivative receivables
Pendapatan bunga yang
masih akan diterima 320.301 6.121 326.422 Accrued interest receivables
Kredit yang diberikan 10.420.023 1.727.346 12.147.369 Loans
Tagihan akseptasi 131.863 - 131.863 Acceptance receivables
Penyertaan saham 6 - 6 Investment in shares of stock
Aset lain-lain: Other assets:
Setoran jaminan dan Guarantee deposits and
tagihan 38.332 - 38.332 receivables
Jumlah Aset 20.663.389 1.733.717 22.397.106 Total Assets
Eksposur risiko kredit atas rekening Credit risk exposure in the administrative
administratif adalah sebagai berikut: accounts are as follows:
2024
DKI Jakarta/ Special Luar DKI Jakarta/ Jumlah/
District of Jakarta Outside DKI Jakarta Total
Fasilitas kredit yang
belum digunakan 627.057 346.847 973.904 Unused loan commitments
Garansi yang diterbitkan 6.118 13.109 19.227 Guarantee issued
L/C yang masih beredar 37.689 - 37.689 Outsatnding irrevocable L/C
Jumlah 670.864 359.956 1.030.820 Total
2023
DKI Jakarta/ Special Luar DKI Jakarta/ Jumlah/
District of Jakarta Outside DKI Jakarta Total
Fasilitas kredit yang
belum digunakan 139.767 326.931 466.698 Unused loan commitments
Garansi yang diterbitkan 13.508 11.251 24.759 Guarantee issued
Jumlah 153.275 338.182 491.457 Total
- 129 -
Page 660
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Pengungkapan konsentrasi risiko kredit The disclosure on the maximum credit risk
maksimum berdasarkan sektor ekonomi concentration by debtor classification is
adalah sebagai berikut: as follows:
2024 2023
Sektor ekonomi Rp % Rp % Economic Sector
Industri 596.685 5,63% 370.815 3,05% Industry
Restoran dan hotel 5.317 0,05% 1.322.435 10,89% Restaurant and hotel
Konstruksi 501.596 4,73% 656.240 5,40% Constructions
Transportation and
Transportasi dan komunikasi 327.041 3,08% 619.310 5,10% Communication
Pertanian dan pertambangan 850.680 8,02% 1.338.029 11,01% Agribusiness and Mining
Perdagangan 662.361 6,25% 372.503 3,07% Trading
Jasa 1.893.734 17,86% 1.828 0,02% Services
Lainnya 5.768.065 54,38% 7.466.209 61,46% Others
Jumlah 10.605.479 100,00% 12.147.369 100,00% Total
Pengungkapan konsentrasi risiko kredit The disclosure on the maximum credit risk
maksimum berdasarkan kelompok debitur concentration by debtor classification is
adalah sebagai berikut: as follows:
2024 2023
Sektor ekonomi Rp % Rp % Economic Sector
Komersial 8.264.968 77,93% 9.598.721 79,02% Commercial
Konsumen 2.340.510 22,07% 2.548.648 20,98% Consumer
Jumlah 10.605.478 100,00% 12.147.369 100,00% Total
Pengungkapan risiko kredit maksimum The disclosures of maximum credit risks
adalah sebelum efek mitigasi melalui are before the effect of mitigation through
master netting dan/atau perjanjian jaminan. master netting and/or collateral
Apabila instrumen keuangan yang dicatat agreements. If financial instruments are
berdasarkan nilai wajar, angka yang recorded at fair value, the balance
ditunjukkan mencerminkan pengungkapan representing the current credit risk
risiko kredit saat ini tetapi bukan exposure but not the maximum risk
pengungkapan risiko maksimal yang dapat exposure that could arise in the future as
timbul di masa yang akan datang sebagai a result of changes in value.
akibat perubahan nilai.
Bank telah mengimplementasikan credit The Bank has implemented credit risk
risk management yang mencakup penetapan management which covers setting up
prosedur dan kebijakan kredit, pengaturan procedures and credit policies, set-up a
limit dan mengevaluasinya secara berkala, limit and conduct regular evaluation,
penggunaan Credit Risk Rating (CRR) implement Credit Risk Rating for
untuk kredit produktif dengan segmen productive loan of Corporate, Non
Korporasi, Non Korporasi (Retail/ Usaha Corporate (Retail/Micro, Small, and
Mikro, Kecil, dan Menengah/UMKM), Medium Enterprise/MSMes), and
serta kredit konsumtif (karyawan dan non consumer credit (employees and
karyawan), mengevaluasi kebijakan dan nonemployees), evaluates credit policies
prosedur untuk memastikan bahwa seluruh and procedures to ensure that all potential
risiko yang mungkin timbul dari pemberian risks have been covered, and applies the
kredit telah tercakup, menerapkan prinsip “Four Eyes Principles” consistently, and
”Four Eyes Principles” secara konsisten, the implementation of an independent
serta pelaksanaan reviu independen review of loan application within certain
terhadap permohonan kredit dalam batasan limits and existing borrowers based on
tertentu dan debitur existing secara sampling method and credit portfolio
sampling serta portofolio kredit based on Legal Lending Limits, economic
berdasarkan BMPK, sektor ekonomi dan sector and geographic sector periodically.
sektor geografis secara periodik.
- 130 -
Page 661
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Bank telah melaksanakan pengelolaan The Bank has managed its loan portfolio
portofolio profil risiko kredit secara risk profile continuously in a consistent
konsisten dan berkelanjutan serta manner and reports to Boards of
melaporkannya kepada Dewan Komisaris Commissioners and Director regularly
dan Direksi secara berkala (bulanan). (monthly).
Dalam rangka memitigasi risiko kredit, In order to mitigate credit risk, the Bank
berikut ini adalah upaya yang dilakukan has performed regular activity as follows:
Bank secara berkala:
1) Menentukan batas eksposur pada 1) Determining exposure limits on
industri/sektor ekonomi pasar sasaran; target market industries/economic
sector;
2) Melakukan tinjauan risiko kredit 2) Reviewing credit risk based on
berdasarkan jenis industri/sektor certain industry type/economic
ekonomi tertentu, khususnya yang sector, especially for those which is
akan dibiayai oleh Bank; financed by the Bank;
3) Melakukan stress test dengan 3) Performing a stress test scenario
menerapkan skenario peningkatan with thein crease of ratio of Non-
rasio Non-Performing Loan (NPL) dan Performing Loan(NPL) and theim
pelaksanaan write-off secara bank plementation of write-off in bank
wide. wide.
Metode pemberian kredit Bank meliputi: The Bank’s loan granting process
includes:
1) Penepatan pagu kredit secara 1) Set-up overall credit limits at
keseluruhan pada tingkat borrowers and counterparty level,
debitur/counterparties dan kelompok and a Bank of related borrowers and
debitur/counterparties baik terkait counterparties for both on statement
maupun tidak terkait dengan Bank of financial position and
untuk eksposur yang tercatat dalam administrative accounts exposures;
laporan posisi keuangan dan rekening
administratif;
2) Penilaian terhadap prospek usaha dan 2) Evaluation of business prospects and
kinerja keuangan debitur/ financial performance of the debtors/
counterparties; counterparties;
3) Kemampuan untuk membayar kembali 3) Repayment capacity and integrity of
dan integritas debitur/counterparties; the debtors/counterparties;
4) Penggunaan agunan; dan 4) Use of collateral; and
5) Penilaian kondisi makro ekonomi dan 5) Assessment of macro economic and
industri. industry conditions.
- 131 -
Page 662
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Bank juga mengembangkan serta The Bank also develops and implements
menerapkan Risk Governance sebagai Risk Governance principle as part of
bagian dalam pengendalian internal credit internal control as follows:
perkreditan sebagai berikut:
1) Lini pertama (pilar bisnis dan 1) The first line (Business and Support
pendukung) terutama Pillars) is primarily responsible for
bertanggungjawab mengelola risiko managing credit risk which is its
kredit yang merupakan bagian dari daily activities;
aktivitasnya sehari-hari;
2) Lini kedua menyediakan sumber daya 2) The second line provides needed
yang diperlukan untuk resources for developing credit risk
mengembangkan kerangka kerja risiko frameworks, policies,methodologies
kredit, kebijakan, metodologi dan and tools for the management of
perangkat risiko kredit dalam material risks taken by the Bank as a
pengelolaan risiko kredit yang bersifat whole;
material secara keseluruhan;
3) Lini ketiga melibatkan audit internal 3) The third line includes internal audit
dan pengendalian internal, yang secara and internal control, which is
independen bertugas untuk melakukan independently conducting an
pemeriksaan terhadap kepatuhan, examination on compliance,
kecukupan dan efektivitas proses adequacy and effectiveness of risk
manajemen risiko kredit. management processes.
Untuk mempercepat proses pemberian To accelerate the process of credit
kredit, Bank mengimplementasikan Credit granting, the Bank implements Credit Risk
Risk Rating (CRR) sebagai suatu perangkat Rating (CRR) as a tool for preliminary
untuk melakukan penilaian awal terhadap assessment of the feasibility/default by the
kemungkinan kemampuan bayar/kegagalan debtor to repay its credit proposal in the
bayar debitur atas permohonan kreditnya di future which is described through the
masa mendatang yang dideskripsikan rating of debtors.
melalui perolehan rating debitur.
Untuk memfasilitasi penilaian risiko dari To facilitate the risk assessment of the
debitur Korporasi, Non Korporasi debtors of Corporate, Non Corporate
(Retail/Usaha Mikro, Kecil, dan (Retail/Micro, Small, and Medium
Menengah/UMKM), serta debitur Enterprise/MSMes), and consumer
konsumtif (karyawan dan non karyawan) debtors (employees and non employees),
Bank melakukan pemantauan terhadap the Bank monitors all valuation aspects of
seluruh aspek penilaian dari debitur dan the debtors and its industrial sector
sektor industrinya termasuk migrasi rating including debtor rating migration
debitur secara berkala (triwulan). Satuan periodically (quarterly). Risk
Kerja Manajemen Risiko (SKMR) management Unit (SKMR) monitors the
melakukan pemantauan terhadap kualitas performance quality of the debtor by
kinerja dari debitur secara sampling sampling basis, especially to the Bank’s
khususnya debitur inti Bank dengan main debtors by conductingan
melakukan reviu independen secara independent review periodically (semi
periodik (semester) dan pemantauan annually) and monitoring the Bank’s
portofolio yang dimiliki Bank secara portfolios continuously. The relevant
berkesinambungan. Informasi yang relevan information is submitted to the business
disampaikan kepada unit bisnis untuk unit to support the implementation of the
mendukung pelaksanaan penilaian risiko effective Bank’s credit risk assessment.
kredit Bank yang efektif.
- 132 -
Page 663
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Bank mengukur, menilai dan memantau The Bank measures, assesses and
risiko kredit untuk setiap debitur baik secara monitors credit risk for each debtor, on
individual maupun obligor, sektor ekonomi, individual and obligor basis, by economic
sektor geografi, maupun seluruh portofolio sector, geographic sector and all credit
kredit. Bank telah menetapkan standar dan portfolios. The Bank has set up standards
prosedur untuk mendukung terciptanya and procedures to support a process of
suatu proses pemberian kredit yang sehat granting credit and by considering risk
dan hati-hati dengan mempertimbangkan and yield carefully.
risiko dan perolehan hasil.
Jaminan dan perlindungan kredit Collateral and protection of loans
lainnya
Nilai dan jenis jaminan yang dibutuhkan The amount and type of collateral
tergantung pada penilaian risiko kredit dari required depends on an assessment of the
debitur/counterparty. Kebijakan dan credit risk of the counterparty. Policy and
pedoman tentang jenis jaminan dan guidelines are implemented regarding
parameter penilaian jaminan telah types of collateral and valuation
diimplementasikan oleh Bank. parameters by the Bank.
Umumnya agunan diperlukan dalam setiap Generally collateral is required for all
pemberian kredit sebagai sumber terakhir loans as a secondary source of credit
pelunasan kredit dan sebagai salah satu repayment and also as a credit risk
bentuk mitigasi risiko kredit jika mitigation if a debtor has a default. The
debitur/counterparty gagal bayar (macet). primary source of credit repayment is the
Sumber utama pelunasan kredit adalah dari funds generated from business operations
hasil usaha debitur. Agunan yang dapat of the debtors. Collaterals acceptable by
diterima oleh Bank dibagi atas 2 (dua) the Bank are divided into 2 (two)
kelompok besar yaitu: categories as follows:
1) Agunan tunai, yaitu 1) Cash collateral, such as time
deposito/tabungan/ rekening giro/ deposit/saving account/demand
setoran margin/ dana tunai yang deposit/margin deposit/cash blocked
diblokir atau dibukukan pada rekening or booked as an escrow account
penampungan yang disimpan serta which are kept and recorded by the
dicatat pada Bank dan Stand-By L/C Bank and Stand-By Letter of Credit
yang diterbitkan oleh bank (SBLC) issued by (prime bank);
berperingkat (prime bank);
2) Agunan non tunai yaitu agunan yang 2) Non cash collaterals are collateral
tidak termasuk dalam jenis jaminan not included in collateral as
seperti pada agunan tunai di atas. mentioned on cash collateral above.
Kualitas kredit per golongan aset Loans quality based on category of
keuangan financial assets
Kualitas kredit aset keuangan dikelola oleh The loans quality of financial assets is
Bank dengan menggunakan pedoman dari managed by the Bank using guidance from
Bank Indonesia. Kualitas kredit Bank Indonesia. Loans quality based on
berdasarkan golongan aset yang memiliki category of assets that have a credit risk
risiko kredit mengacu pada hasil penilaian refers to the assessment of external
dari lembaga pemeringkat eksternal yang agencies as stipulated by Bank Indonesia.
ditetapkan oleh Bank Indonesia.
Bank memiliki kebijakan untuk mengelola The Bank has a policy to manage the
kinerja kualitas kredit debitur. Hal ini akan performance of loans quality of debtors.
me mudahkan fokus manajemen risiko This policy assists management to monitor
dalam mengendalikan eksposur risiko credit risk exposure of the Bank.
kredit yang dimiliki oleh Bank.
- 133 -
Page 664
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Agunan yang diambil alih Foreclosed assets
Terdapat penurunan AYDA sebesar There was a decrease in AYDA of
Rp88.417 (7,00%) dari Rp1.263.459 pada Rp88,417 (7.00%) from Rp1,263,459 as of
tanggal 31 Desember 2023 menjadi December 31, 2023 to Rp1,175,042 as of
Rp1.175.042 pada tanggal December 31, 2024.
31 Desember 2024.
Penilaian penurunan nilai Impairment assessment
Pertimbangan utama untuk penilaian The main considerations for the loan
penurunan nilai kredit yang diberikan impairment assessment include whether
termasuk pembayaran-pembayaran pokok any payments of principal or interest are
atau bunga yang menunggak lebih dari 90 overdue of more than 90 (ninety) days or
(sembilan puluh) hari atau ada kesulitan there are any financial difficulties, or
atau pelanggaran yang diketahui dari breach of the loans agreement. The Bank
persyaratan yang terdapat dalam kontrak. assesses impairment value in 2 (two) areas
Bank melakukan penilaian penurunan nilai follows:
dalam 2 (dua) area yaitu:
1) Evaluasi penurunan nilai secara 1) Individually assessed allowances;
individual;
2) Evaluasi penurunan nilai secara 2) Collectively assessed allowances.
kolektif.
Penilaian penyisihan penurunan nilai Individually assessed allowances
individual
Bank menentukan penyisihan kerugian The Bank determines the allowances for
penurunan nilai secara individual untuk impairment losses for each individually
masing-masing kredit yang diberikan yang significant loans on an individual basis.
signifikan. Hal-hal yang dipertimbangkan Items considered when determining
dalam menentukan jumlah penyisihan allowance for impairment losses include:
kerugian penurunan nilai antara lain
mencakup:
1) Kemungkinan rencana bisnis debitur; 1) The sustainability of the debtors’
business plan;
2) Kemampuan untuk memperbaiki 2) The ability to improve its
kinerja setelah adanya kesulitan performance during a financial
keuangan; difficulty;
3) Proyeksi penerimaan dan pembayaran 3) Cash receipt and payment projection
apabila terjadi kebangkrutan; if debtor filed bankrupt;
4) Kemungkinan adanya sumber 4) The availability of other financial
pembayaran lainnya; support;
5) Jumlah yang dapat direalisasikan atas 5) The amount can be realized from its
jaminan dan ekspektasi waktu arus collateral and timing of expected
kas. cash flows.
Penyisihan penurunan nilai dievaluasi Impairment allowances are evaluated at
setiap tanggal pelaporan, kecuali bila each reporting date, unless certain
terdapat beberapa kondisi yang condition applied which needs more
mengharuskan adanya pemantauan yang attention.
lebih berhati-hati.
Penilaian penyisihan kerugian secara Allowances are assessed collectively for
kolektif dilakukan atas aset keuangan yang losses on financial assets that are not
tidak signifikan secara individu. individually significant.
- 134 -
Page 665
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Evaluasi penurunan nilai Impairment assessment
Berikut ini adalah risiko kredit berdasarkan Below are credit risk based on allowance
klasifikasi evaluasi penurunan nilai pada for impairment losses assessment
tanggal 31 Desember 2024 dan 2023: classification as of December 31, 2024
and 2023:
Giro pada Bank Indonesia Current Accounts with Bank Indonesia
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 2.948.485 - 2.948.485 Rupiah
Mata uang asing 76.435 - 76.435 Foreign currency
Jumlah 3.024.920 - 3.024.920 Total
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 2.585.155 - 2.585.155 Rupiah
Mata uang asing 73.121 - 73.121 Foreign currency
Jumlah 2.658.276 - 2.658.276 Total
Giro pada bank lain Current accounts with other banks
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 130.642 - 130.642 Rupiah
Mata uang asing 218.877 - 218.877 Foreign currency
Jumlah 349.519 - 349.519 Total
Cadangan kerugian Allowance for
penurunan nilai - (89) (89) impairment losses
Jumlah - bersih 349.519 (89) 349.430 Total - net
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 126.095 - 126.095 Rupiah
Mata uang asing 212.205 - 212.205 Foreign currency
Jumlah 338.300 - 338.300 Total
Cadangan kerugian Allowance for
penurunan nilai - (3) (3) impairment losses
Jumlah - bersih 338.300 (3) 338.297 Total - net
- 135 -
Page 666
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Evaluasi penurunan nilai (lanjutan) Impairment assessment (continued)
Penempatan pada Bank Indonesia dan bank Current accounts with Bank Indonesia
lain and other banks
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah Rupiah
Deposit Facility Deposit Facility of
Bank Indonesia 1.346.804 - 1.346.804 Bank Indonesia
Penempatan pada
Bank – Call Placements with –
money 280.000 - 280.000 Banks Call Money
Penempatan pada Placements with –
Bank – Deposito 100.000 - 100.000 Banks Deposits
Mata uang asing Foreign currency
Term Deposits Bank Term Deposits of
Indonesia 450.660 - 450.660 Bank Indonesia
Jumlah - bersih 2.177.464 - 2.177.464 Total - net
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah - - - Rupiah
Deposit Facility Deposit Facility of
Bank Indonesia 279.959 - 279.959 Bank Indonesia
Mata uang asing Foreign currency
Term Deposits Bank Term Deposits of
Indonesia 431.116 - 431.116 Bank Indonesia
Jumlah - bersih 711.075 - 711.075 Total - net
Efek-efek Marketable Securities
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Nilai wajar melalui Fair value through
laba rugi 981.435 - 981.435 profit or loss
Fair value through
Nilai wajar melalui other comprehensive
komprehensif lain 880.045 - 880.045 income
Biaya perolehan
diamortisasi 6.641.296 - 6.641.296 Amortized cost
Cadangan kerugian Allowance for
penurunan nilai - (1.214) (1.214) impairment losses
Jumlah - bersih 8.502.776 (1.214) 8.501.562 Total - net
- 136 -
Page 667
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Evaluasi penurunan nilai (lanjutan) Impairment assessment (continued)
Efek-efek (lanjutan) Marketable Securities (continued)
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Nilai wajar melalui Fair value through
laba rugi 307.164 - 307.164 profit or loss
Fair value through
Nilai wajar melalui other comprehensive
komprehensif lain 1.241.878 - 1.241.878 income
Biaya perolehan
diamortisasi 4.239.054 - 4.239.054 Amortized cost
Cadangan kerugian Allowance for
penurunan nilai - (682) (682) impairment losses
Jumlah - bersih 5.788.096 (682) 5.787.414 Total - net
Wesel ekspor Export bills
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 166.681 - 166.681 Rupiah
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 131.863 - 131.863 Rupiah
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreement to
kembali resell
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 976.065 - 976.065 Rupiah
Cadangan kerugian Allowance for
penurunan nilai - (2) (2) impairment losses
Jumlah - bersih 976.065 (2) 976.063 Total - net
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 125.469 - 125.469 Rupiah
Cadangan kerugian Allowance for
penurunan nilai - - - impairment losses
Jumlah - bersih 125.469 - 125.469 Total - net
- 137 -
Page 668
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Evaluasi penurunan nilai (lanjutan) Impairment assessment (continued)
Tagihan Derivatif Derivative Receivables
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 48 - 48 Rupiah
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 35 - 35 Rupiah
Kredit yang diberikan Loans
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Revolving loans 3.495.435 744.249 4.239.684 Revolving loans
Fixed loans 1.309.916 2.254.726 3.564.642 Fixed loans
Kredit kepemilikan
rumah dan Housing and apartment
apartemen 2.070.895 84.351 2.155.246 ownership loans
Kredit sindikasi 255.433 - 255.433 Syndicated loans
Pinjaman rekening
koran 202.563 2.648 205.211 Overdraft
Pinjaman karyawan 42.331 - 42.331 Employee loans
Micro community
Kredit usaha rakyat - - - commercial loans
Kredit tanpa agunan 21.984 - 21.984 Unsecured loans
Kredit pemilikan
kios 119.825 957 120.782 Kiosk loans
Kredit pemilikan
mobil 166 - 166 Car loans
Jumlah 7.518.548 3.086.931 10.605.479 Total
Cadangan kerugian Allowance for
penurunan nilai (81.107) (450.800) (531.907) impairment losses
Jumlah – bersih 7.437.441 2.636.131 10.073.572 Total - net
- 138 -
Page 669
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
b. Risiko kredit konsentrasi (lanjutan) b. Concentration credit risk (continued)
Evaluasi penurunan nilai (lanjutan) Impairment assessment (continued)
Kredit yang diberikan (lanjutan) Loans (continued)
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Revolving loans 4.485.748 481.231 4.966.979 Revolving loans
Fixed loans 984.711 2.937.155 3.921.866 Fixed loans
Kredit kepemilikan
rumah dan Housing and apartment
apartemen 2.116.094 284.213 2.400.307 ownership loans
Kredit sindikasi 304.316 230.041 534.357 Syndicated loans
Pinjaman rekening
Koran 172.636 2.642 175.278 Overdraft
Pinjaman karyawan 41.940 - 41.940 Employee loans
241 - 241 Micro community
Kredit usaha rakyat commercial loans
Kredit tanpa agunan 24.040 - 24.040 Unsecured loans
Kredit pemilikan
kios 81.191 957 82.148 Kiosk loans
Kredit pemilikan
mobil 213 - 213 Car loans
Jumlah 8.211.130 3.936.239 12.147.369 Total
Cadangan kerugian Allowance for
penurunan nilai (75.806) (434.830) (510.636) impairment losses
Jumlah – bersih 8.135.324 3.501.409 11.636.733 Total - net
Tagihan akseptasi Acceptance receivables
2024
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 166.682 - 166.682 Rupiah
Cadangan kerugian Allowance for
penurunan nilai - (657) (657) impairment losses
Jumlah - bersih 166.682 (657) 166.025 Total - net
2023
Tidak mengalami Mengalami
penurunan nilai/ penurunan nilai/ Jumlah/
Non impaired Impaired Total
Rupiah 131.863 - 131.863 Rupiah
Cadangan kerugian Allowance for
penurunan nilai - (501) (501) impairment losses
Jumlah - bersih 131.863 (501) 131.362 Total - net
- 139 -
Page 670
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
Tabel di bawah ini menunjukkan kualitas kredit The table below shows credit quality based on
per jenis instrumen keuangan: category of financial instruments:
2024
Belum jatuh tempo dan tidak mengalami penurunan Belum jatuh tempo
nilai/Neither past due nor impaired dan tidak
Tingkat Tingkat mengalami
tinggi/ standar/ Tingkat Tanpa penurunan nilai/ Mengalami
High Standard rendah/ peringkat/ Neither past due nor penurunan Jumlah/
grade grade Low grade Unrated impaired nilai/Impaired Total
Aset Keuangan Financial Assets
Current accounts
Giro pada Bank with Bank
Indonesia - - - 3.024.920 - - 3.024.920 Indonesia
Giro pada bank Current accounts
lain 349.519 - - - - - 349.519 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 2.177.464 - - - - - 2.177.464 and other banks
Marketable
Efek-efek 8.502.776 - - - - - 8.502.776 securities
Wesel ekspor 166.681 - - - - - 166.681 Export bills
Securities
Efek-efek yang purchased under
dibeli dengan janji agreement to
dijual kembali 976.065 - - - - - 976.065 resell
Derivative
Tagihan derivatif - - - 48 - - 48 receivables
Pendapatan bunga
yang masih Accrued interest
akan diterima - - - 253.265 - - 253.265 receivables
Kredit yang
diberikan - - - 10.220.246 19.747 365.486 10.605.479 Loans
Acceptance
Tagihan akseptasi - - - 166.682 - - 166.682 receivables
Investment in shares
Penyertaan saham - - - 6 - - 6 of stock
Aset lain-lain: Other assets:
Setoran jaminan Guarantee deposits
dan tagihan - - - 21.858 - - 21.858 and receivables
Jumlah 12.172.505 - - 13.687.025 19.747 365.486 26.244.763 Total
Cadangan
kerugian Allowance for
penurunan nilai (533.869) impairment losses
Jumlah – bersih 25.710.894 Total – net
- 140 -
Page 671
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
Tabel di bawah ini menunjukkan kualitas kredit The table below shows credit quality based on
per jenis instrumen keuangan: (lanjutan) category of financial instruments: (continued)
2023
Belum jatuh tempo dan tidak mengalami penurunan Belum jatuh tempo
nilai/Neither past due nor impaired dan tidak
Tingkat Tingkat mengalami
tinggi/ standar/ Tingkat Tanpa penurunan nilai/ Mengalami
High Standard rendah/ peringkat/ Neither past due nor penurunan Jumlah/
grade grade Low grade Unrated impaired nilai/Impaired Total
Aset Keuangan Financial Assets
Current accounts
Giro pada Bank with Bank
Indonesia - - - 2.658.276 - - 2.658.276 Indonesia
Giro pada bank Current accounts
lain 338.300 - - - - - 338.300 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 711.075 - - - - - 711.075 and other banks
Marketable
Efek-efek 5.788.096 - - - - - 5.788.096 securities
Wesel ekspor 131.863 - - - - - 131.863 Export bills
Securities
Efek-efek yang purchased under
dibeli dengan janji agreement to
dijual kembali 125.469 - - - - - 125.469 resell
Derivative
Tagihan derivatif - - - 35 - - 35 receivables
Pendapatan bunga
yang masih Accrued interest
akan diterima - - - 326.422 - - 326.422 receivables
Kredit yang
diberikan - - - 11.993.285 38.762 115.322 12.147.369 Loans
Acceptance
Tagihan akseptasi - - - 131.863 - - 131.863 receivables
Investment in shares
Penyertaan saham - - - 6 - - 6 of stock
Aset lain-lain: Other assets:
Setoran jaminan Guarantee deposits
dan tagihan - - - 38.332 - - 38.332 and receivables
Jumlah 7.094.803 - - 15.148.219 38.762 115.322 22.397.106 Total
Cadangan
kerugian Allowance for
penurunan nilai (511.822) impairment losses
Jumlah – bersih 21.885.284 Total – net
Kualitas kredit didefinisikan sebagai berikut: The credit qualities are defined as follows:
a) Tingkat tinggi: Peringkat dari pihak ketiga a) High grade: Third parties rating in this
dalam kategori ini memiliki kapasitas sangat category have an excellent capacity to
baik dalam memenuhi komitmen keuangan meet its’ financial commitments with very
dengan risiko kredit sangat rendah; low credit risk;
b) Tingkat sedang: Peringkat dari pihak ketiga b) Standard grade: Third parties rating in
dalam kategori ini memiliki kapasitas yang this category have a good capacity to
baik dalam memenuhi komitmen keuangan meet its’ financial commitments with very
dengan risiko kredit sangat rendah; low credit risk;
c) Tingkat rendah: Peringkat dari pihak ketiga c) Low grade: Third parties rating in this
dalam kategori ini memiliki kapasitas yang category have fairly acceptable capacity
cukup dalam memenuhi komitmen to meet its’ financial commitments with
keuangan dengan risiko kredit sedang; standard credit risk;
d) Tanpa peringkat: Pihak ketiga dalam d) Unrated: Third parties in this category
kategori yang sekarang ini tidak are currently not assigned with third
menyediakan peringkat dikarenakan parties’ ratings due to unavailability of
ketidaktersediaan dari model-model rating models and governments and/or
peringkat dan pemerintah dan/atau agen- government-related agencies.
agen yang berhubungan dengan pemerintah.
- 141 -
Page 672
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
Analisis umur kredit yang diberikan yang jatuh The aging analysis of loans that past due but not
tempo tetapi tidak mengalami penurunan nilai impaired as of December 31, 2024 and 2023 is
pada tanggal 31 Desember 2024 dan 2023 adalah as follows:
sebagai berikut:
2024
Kurang dari
Jumlah/ 30 hari/ Less 31-60 hari/ 61-90 hari/
Total than 30 days days days
Korporasi - - - - Corporate
Komersial/Usaha Kecil Commercial/Small and Medium
Menengah (UKM) - - - - Enterprises (SME)
Konsumen 19.746 613 18 19.115 Consumer
Jumlah 19.746 613 18 19.115 Total
2023
Kurang dari
Jumlah/ 30 hari/ Less 31-60 hari/ 61-90 hari/
Total than 30 days days days
Korporasi - - - - Corporate
Komersial/Usaha Kecil Commercial/Small and Medium
Menengah (UKM) 1.102 1.102 - - Enterprises (SME)
Konsumen 37.660 391 65 37.204 Consumer
Jumlah 38.762 1.493 65 37.204 Total
2. Risiko pasar 2. Market risk
Risiko suku bunga Interest rate risk
Selama tahun berjalan, Bank telah mengelola During the year, the Bank has managed interest
risiko tingkat suku bunga yang merupakan bagian rate risk as a part of market risk by performing
dari risiko pasar dengan melakukan langkah- the following steps:
langkah sebagai berikut:
1. Pengawasan aktif dari Dewan Komisaris dan 1. Active monitoring from Boards of
Direksi, melalui: Commissioners and Directors, through:
a) Responsif terhadap Laporan Profil a) Be responsive to the Market Risk
Risiko Pasar terkait Risiko Tingkat Profile Report related to Interest
Suku Bunga dan perkembangan Rate Risk and macro condition
kondisi makro yang disampaikan oleh developments reported by Risk
Satuan Kerja Manajemen Risiko management Unit (SKMR)
(SKMR) secara periodik; periodically;
b) Kebijakan untuk mengambil posisi b) Policies for taking conservative
konservatif terhadap eksposur yang positions against interest rate risk
terkena risiko tingkat suku bunga exposure in accordance with the
sesuai dengan ketentuan yang berlaku applicable regulations with
dengan mengutamakan prinsip emphasis on the prudential banking
kehati-hatian (prudent banking). principle.
2. Pengendalian atas posisi risiko dengan Control the risk position by setting
penetapan limit transaksi, limit risiko dan transaction limit, risk limits and the limit
limit per fungsional. per functional.
3. Pembakuan Kebijakan dan Prosedur: 3. Standardization of Policies and
Procedures:
a) Memiliki dan melaksanakan a) Having and implementing Market
Pedoman Manajemen Risiko Pasar Risk management Guidelines and
dan Kebijakan/Prosedur internal other internal Policy/Procedures
lainnya yang berkaitan dengan risiko related to the interest rate risk.
tingkat suku bunga.
b) Melakukan reviu dan penyempurnaan b) Conduct a review and improvement
terhadap Pedoman/Prosedur of Guidelines/Market Risk
Manajemen Risiko Pasar yang telah management Procedures
ditetapkan secara periodik. periodically.
- 142 -
Page 673
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
2. Risiko pasar (lanjutan) 2. Market risk (continued)
Risiko suku bunga (lanjutan) Interest rate risk (continued)
Selama tahun berjalan, Bank telah mengelola During the year, the Bank has managed interest
risiko tingkat suku bunga yang merupakan bagian rate risk as a part of market risk by performing
dari risiko pasar dengan melakukan langkah- the following steps: (continued)
langkah sebagai berikut: (lanjutan)
4. Melaksanakan proses Identifikasi, 4. Implementing the process of
Pengukuran, Pemantauan dan Pengendalian Identification, Measurement, Monitoring
Risiko Suku Bunga dengan mengikuti and Controlling of Interest Rate Risk in
ketentuan Regulator (BI/OJK) dan praktek accordance to Regulator (BI/OJK) and
perbankan yang berlaku umum terkini, recent best practices, including stress
termasuk stress testing terhadap testing to the worst case scenario on
kemungkinan kondisi yang terburuk atas exposure which has a sensitivity of
eksposur yang memiliki sensitivitas risiko interest rate risk.
tingkat suku bunga.
5. Melakukan pemantauan terhadap eksposur 5. Conduct monitoring on exposures which
yang terekspos risiko nilai tukar tertentu effected by certain exchange rate risk
secara periodik untuk memitigasi risiko periodically to mitigate the risks in
secara dini. advance.
Tabel berikut menyajikan informasi mengenai The following table presents information on the
tingkat suku bunga kontraktual rata-rata per tahun contractual interest rate on average per year
untuk aset dan liabilitas keuangan yang signifikan for financial assets and liabilities that are
untuk tahun-tahun yang berakhir pada tanggal significant for the years ended December 31,
tanggal 31 Desember 2024 dan 2023 adalah 2024 and 2023 are as follows:
sebagai berikut:
2024 2023
Mata Uang Mata Uang
Asing/ Asing/
Rupiah/ Foreign Rupiah/ Foreign
Rupiah Currency Rupiah Currency
Aset Assets
Current accounts with
Giro pada bank lain 0,54% 0,00% 3,58% 0,02% other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 5,15% 5,00% 5,15% 5,00% Indonesia and other banks
Efek-efek 6,31% 3,31% 6,14% 2,91% Marketable securities
Wesel ekspor 9,00% 0,00% 9,00% 0,00% Export bills
Efek-efek yang
dibeli dengan janji dijual Securities purchased under
kembali 6,82% 0,00% 6,80% 0,00% agreement to resell
Kredit yang diberikan 14,29% 5,69% 10,82% 6,20% Loans
Liabilitas Liabilities
Simpanan nasabah Deposits from customers
Giro 0,91% 0,02% 0,82% 0,01% Demand deposits
Tabungan 0,75% 0,00% 0,75% 0,00% Savings deposits
Deposito berjangka 4,66% 3,36% 3,73% 1,52% Time deposits
Simpanan dari bank lain Deposits from Otherbanks
Deposito berjangka 6,50% 0,00% 6,15% 0,00% Time deposits
Deposito on call 6,68% 0,00% 0,00% 0,00% On call deposits
Giro 3,59% 0,00% 1,78% 0,00% Demand deposits
Call money 0,00% 0,00% 0,00% 0,00% Call money
Pinjaman subordinasi 9,50% 0,00% 9,50% 0,00% Subordinated loan
- 143 -
Page 674
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
2. Risiko pasar (lanjutan) 2. Market risk (continued)
Risiko suku bunga (lanjutan) Interest rate risk (continued)
Tabel berikut merangkum aset Bank dengan The following table below summarizes the
pendapatan bunga dan liabilitas Bank dengan Bank’s interest-earnings assets and interest
beban bunga (tidak dengan tujuan bearing liabilities (not for trading purposes) at
diperdagangkan) pada nilai tercatat, carrying amounts, categorized by the earlier
dikategorikan berdasarkan tanggal kontraktual contractual repricing or maturity dates, which
perubahan suku bunga atau tanggal jatuh tempo, is earlier:
mana yang lebih dahulu:
2024
6 bulan 1 tahun 2 tahun
Kurang sampai sampai sampai
dari 6 dengan 12 dengan dengan Lebih dari
bulan/ bulan/ 2 tahun/ 5 tahun/ 5 tahun/
Jumlah/ Less than 6 months until 1 year until 2 2 years until More than
Keterangan Total 6 months 12 months years 5 years 5 years Descriptions
Current accounts
Giro pada bank lain 349.519 349.519 - - - - with other banks
Penempatan pada Bank
Indonesia dan bank Placements with Bank
lain 2.177.464 2.177.464 - - - - Indonesia and other banks
Efek-efek 8.502.776 3.797.471 1.912.762 1.346.060 1.066.004 380.479 Marketable securities
Wesel ekspor 166.681 166.681 - - - - Export bills
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreement
kembali 976.065 976.065 - - - - to resale
Kredit yang diberikan 10.605.479 2.024.359 2.243.773 939.006 2.215.086 3.183.255 Loans
Jumlah aset
keuangan 22.777.984 9.491.559 4.156.535 2.285.066 3.281.090 3.563.734 Total financial assets
Simpanan nasabah 23.890.773 23.180.083 710.690 - - - Deposits from customers
Simpanan dari bank lain 452.454 92.500 359.954 - - - Deposits from other banks
Pinjaman subordinasi 200.000 - - - - 200.000 Subordinated loan
Jumlah liabilitas
keuangan 24.543.227 23.272.583 1.070.644 - - 200.000 Total financial liabilities
Jumlah selisih
penilaian bunga (1.765.243) (13.781.024) 3.085.891 2.285.066 3.281.090 3.363.734 Interest repricing gap
2023
6 bulan 1 tahun 2 tahun
Kurang sampai sampai sampai
dari 6 dengan 12 dengan dengan Lebih dari
bulan/ bulan/ 2 tahun/ 5 tahun/ 5 tahun/
Jumlah/ Less than 6 months until 1 year until 2 2 years until More than
Keterangan Total 6 months 12 months years 5 years 5 years Descriptions
Current accounts
Giro pada bank lain 338.300 338.300 - - - - with other banks
Penempatan pada Bank
Indonesia dan bank Placements with Bank
lain 711.075 711.075 - - - - Indonesia and other banks
Efek-efek 5.788.096 1.492.816 1.560.280 1.718.279 671.817 344.904 Marketable securities
Wesel ekspor 131.863 131.863 - - - - Export bills
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreement
kembali 125.469 - 125.469 - - - to resale
Kredit yang diberikan 12.147.369 2.617.263 2.576.862 341.063 2.980.659 3.631.522 Loans
Jumlah aset
keuangan 19.242.172 5.291.317 4.262.611 2.059.342 3.652.476 3.976.426 Total financial assets
Simpanan nasabah 20.631.701 20.395.350 236.351 - - - Deposits from customers
Simpanan dari bank lain 336.958 336.958 - - - - Deposits from other banks
Pinjaman subordinasi 200.000 - - - - 200.000 Subordinated loan
Jumlah liabilitas
keuangan 21.168.659 20.732.308 236.351 - - 200.000 Total financial liabilities
Jumlah selisih
penilaian bunga (1.926.487) (15.440.991) 4.026.260 2.059.342 3.652.476 3.776.426 Interest repricing gap
- 144 -
Page 675
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
2. Risiko pasar (lanjutan) 2. Market risk (continued)
Risiko suku bunga (lanjutan) Interest rate risk (continued)
Dari repricing gap profile ini dapat diukur By this repricing gap profile can be measured
pengaruh perubahan suku bunga terhadap the effects of changes in interest rate on net
pendapatan bunga bersih dan/atau modal interest income and/or capital economical
ekonomis Bank, sehingga jika terjadi perubahan Bank, hence if there is a change in interest rate
suku bunga yang mungkin dapat mempengaruhi that may affect the Bank’s performance, the
kinerja Bank, maka Bank akan dapat segera Bank will be able to restructure it’s assets and
merestruktur aset dan liabilitas yang dimiliki, baik liabilities immediately, including the repricing
repricing date-nya ataupun jenis suku bunganya date or the type of interest rate (fixed or
(fixed atau floating). floating).
Manajemen risiko tingkat suku bunga The management of interest rate risk based on
berdasarkan perspektif pendapatan bunga, earning perspective is provided by measuring
dilakukan dengan mengukur sensitivitas aset dan the sensitivity of the Bank’s financial assets and
liabilitas keuangan Bank terhadap berbagai liabilities against various standard and non
skenario perubahan suku bunga baik standar dan standard interest rate changes scenarios.
non standar. Skenario standar yang dilakukan Standard scenario that is conducted based on
mencakup kenaikan atau penurunan paralel pada increase or decrease of interest rate changes in
semua kurva imbal hasil. parallel shift to the return on investment curve.
Tabel berikut menunjukan sensitivitas terhadap The following table shows the sensitivity to a
kemungkinan perubahan dalam tingkat suku possible change in interest rates for the banking
bunga untuk banking book, dengan semua book, with all other variables are held constant,
variabel lain yang dimiliki adalah konstan, to the statement of profit or loss and other
terhadap laporan laba rugi dan penghasilan comprehensive income of the Bank:
komprehensif lain Bank:
IDR USD
Dampak terhadap laporan Dampak terhadap laporan
laba rugi dan penghasilan laba rugi dan penghasilan
Kenaikan/ komprehensif lain sebelum Kenaikan/ komprehensif lain sebelum
(penurunan) dalam pajak/ The impact on the (penurunan) dalam pajak/ The impact on the
basis poin/ Increase statement profit or loss and basis poin/ Increase statement profit or loss and
Tahun/ (decrease) in basis other comprehensive income (decrease) in basis other comprehensive income
Year points before tax points before tax
2024 100 (41.263,03) 100 (4.123,63)
(100) 41.263,03 (100) 4.123,63
2023 100 (38.563,38) 100 (535,65)
(100) 38.563,38 (100) 535,65
- 145 -
Page 676
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
2. Risiko pasar (lanjutan) 2. Market risk (continued)
Risiko nilai tukar Foreign exchange risk
Selama tahun berjalan, dalam mengelola risiko During the year, in managing the foreign
nilai tukar yang merupakan bagian dari risiko exchange risk, which is a part of its market risk,
pasar, Bank telah melakukan langkah-langkah the Bank has performed the following steps:
sebagai berikut:
1. Pengawasan aktif dari Dewan Komisaris dan 1. Active monitoring from Boards of
Direksi, melalui: Commissioners and Directors, through:
a) Responsif terhadap Laporan Profil a) Be a responsive to the Market Risk
Risiko Pasar terkait Risiko Nilai Profile Report related to Foreign
Tukar dan perkembangan kondisi Exchange Riskand macro
makro yang disampaikan oleh Satuan condition developments which
Kerja Manajemen Risiko (SKMR) reported by the Risk management
secara periodik; Unit (SKMR) periodically;
b) Kebijakan untuk mengambil posisi b) Policies for taking conservative
konservatif terhadap eksposur yang position against the exchange rate
terkena risiko nilai tukar sesuai dengan risk exposure in accordance with
ketentuan yang berlaku dengan the applicable regulations with
mengutamakan prinsip kehati-hatian emphasis on the prudential
(prudent banking). banking principle.
2. Pengendalian atas posisi risiko dengan 2. Control the risk position by setting the
penetapan limit transaksi, limit risiko dan transaction limit, risk limit and limit
limit per fungsional. perfunctional.
3. Pembakuan kebijakan dan prosedur: 3. Standar dization of policies and
procedures:
a) Memiliki dan melaksanakan a) Having and implementing market
Pedoman manajemen risiko pasar risk management guidelines and
dan kebijakan/ prosedur internal other internal policy/ procedures
lainnya yang berkaitan dengan risiko related to the foreign exchange risk.
nilai tukar
b) Melakukan reviu dan penyempurnaan b) Conduct a review and improvement
terhadap pedoman/ prosedur of guidelines/ market risk related to
manajemen risiko pasar terkait risiko foreign exchange risk management
nilai tukar yang telah ditetapkan secara Procedures periodically.
periodik
4. Melaksanakan proses Identifikasi, 4. Implementing the process of
pengukuran, pemantauan dan pengendalian identification, measurement, monitoring
risiko nilai tukar dengan mengikuti and controlling of foreign exchange
ketentuan regulator (BI/OJK) dan best riskin accordance to regulator (BI/OJK)
practices terkini, termasuk stress testing and recent best practices, including
terhadap kemungkinan kondisi yang stress testing to the worst case scenario
terburuk (worst case scenario) terhadap on exposure which has a sensitivity of
eksposur yang terkena risiko nilai tukar. foreign exchange risk.
5. Melakukan pemantauan terhadap transaksi- 5. Conduct monitoring on certain market
transaksi pasar tertentu secara periodik transactions periodically to mitigate the
untuk memitigasi risiko secara dini. risks in advance.
- 146 -
Page 677
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
2. Risiko pasar (lanjutan) 2. Market risk (continued)
Risiko nilai tukar (lanjutan) Foreign exchange risk (continued)
Dalam tahun berjalan, Bank telah melakukan During the year, the Bank has conducted
pengembangan dan simulasi metodologi development and simulation on methodology of
perhitungan kebutuhan modal internal yang internal capital requirements calculation to
diperlukan untuk mengatasi risiko pasar dengan cover market risks using internal VaR (Value at
menggunakan metode internal VaR (Value at Risk) which are the Variance co Variance and
Risk) yaitu metode Variance co Variance dan Historical Simulation methods through the
Historical Simulation melalui aplikasi Market application of Market Risk Measurement
Risk Measurement (MRM). Untuk pengelolaan (MRM). In regard to market risk management,
risiko pasar, Bank difasilitasi melalui Assets and the Bank is facilitated through its Assets and
Liabilities Committee (ALCO). Liabilities Committee (ALCO).
Bank telah mengelola posisi mata uang asing The Bank manages its foreign currency position
untuk aset dan liabilitas keuangan yang dimiliki for its financial assets and liabilities by
oleh Bank dengan memonitor Posisi Devisa monitoring the Bank’s Net Open Position
Bersih (PDN). Pada tanggal 31 Desember 2024 (NOP). As of December 31, 2024 and 2023, the
dan 2023, PDN Bank telah diungkapkan dalam Bank’s NOP has been disclosed in Note 41.
Catatan 41.
Tabel dibawah ini mengikhtisarkan eksposur The table below summarises exposure to
Bank atas risiko nilai tukar mata uang asing pada foreign currency exchange rate risk as of
tanggal 31 Desember 2024 dan 2023. Termasuk December 31, 2024 and 2023. Included in the
didalamnya adalah instrumen keuangan pada nilai table are financial instruments at carrying
tercatat, dikategorikan berdasarkan jenis mata amounts, categorized by currencies:
uang:
2024
Dolar Amerika Euro Dolar Dolar
Serikat/ Eropa/ Singapura/ Australia/
United States European Singapore Australian Lain-lain/ Jumlah/
Dollar Euro Dollar Dollar Others Total
Aset Assets
Kas 380.328 1.595 11.504 1.771 1.140 396.338 Cash
Current accounts with
Giro pada Bank Indonesia 76.435 - - - - 76.435 Bank Indonesia
Current accounts with
Giro pada bank lain 155.734 2.759 25.399 2.990 31.995 218.877 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 450.660 - - - - 450.660 Indonesia and other bank
Efek-efek 483.816 - - - - 483.816 Marketable securities
Pendapatan bunga yang Accrued interest
masih akan diterima 2.696 - 38 - - 2.734 receivables
Kredit yang diberikan 241.941 - 12.928 - - 254.869 Loans
Jumlah 1.791.610 4.354 49.869 4.761 33.135 1.883.729 Total
Liabilitas Liabilities
Liabilitas segera 994 - - - - 994 Obligation due immediately
Simpanan nasabah 1.779.698 75 31.515 4 17.978 1.829.270 Deposits from customers
Bunga masih harus dibayar 3.184 - (67) - - 3.117 Accrued interest payables
Liabilitas lain-lain 894 - - - - 894 Other liabilities
Jumlah 1.784.770 75 31.448 4 17.978 1.834.275 Total
Laporan posisi Statement of financials
keuangan – bersih 6.840 4.279 18.421 4.757 15.157 49.454 position – net
- 147 -
Page 678
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
2. Risiko pasar (lanjutan) 2. Market risk (continued)
Risiko nilai tukar (lanjutan) Foreign exchange risk (continued)
Tabel dibawah ini mengikhtisarkan eksposur The table below summarises exposure to
Bank atas risiko nilai tukar mata uang asing pada foreign currency exchange rate risk as of
tanggal 31 Desember 2024 dan 2023. Termasuk December 31, 2024 and 2023. Included in the
didalamnya adalah instrumen keuangan pada nilai table are financial instruments at carrying
tercatat, dikategorikan berdasarkan jenis mata amounts, categorized by currencies:
uang: (lanjutan) (continued)
2023
Dolar Amerika Euro Dolar Dolar
Serikat/ Eropa/ Singapura/ Australia/
United States European Singapore Australian Lain-lain/ Jumlah/
Dollar Euro Dollar Dollar Others Total
Aset Assets
Kas 25.466 1.511 8.911 1.920 1.547 39.355 Cash
Current accounts with
Giro pada Bank Indonesia 73.121 - - - - 73.121 Bank Indonesia
Current accounts with
Giro pada bank lain 181.387 981 21.005 1.894 6.938 212.205 other banks
Placements with Bank
Penempatan pada Bank Indonesia and other
Indonesia dan bank lain 431.116 - - - - 431.116 bank
Efek-efek 231.067 - - - - 231.067 Marketable securities
Pendapatan bunga Accrued interest
yang masih akan diterima 5.160 - 46 - - 5.206 receivables
Kredit yang diberikan 500.158 - 15.684 - - 515.842 Loans
Jumlah 1.447.475 2.492 45.646 3.814 8.485 1.507.912 Total
Liabilitas Liabilities
Liabilitas segera 1.380 - - - - 1.380 Obligation due immediately
Simpanan nasabah 1.615.461 31 35.099 2 721 1.651.314 Deposits from customers
Bunga masih harus
dibayar 2.136 - (67) - - 2.069 Accrued interest payables
Liabilitas lain-lain 856 - - - - 856 Other liabilities
Jumlah 1.619.833 31 35.032 2 721 1.655.619 Total
Laporan posisi Statement of financials
keuangan – bersih (172.358) 2.461 10.614 3.812 7.764 (147.707) position – net
- 148 -
Page 679
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
2. Risiko pasar (lanjutan) 2. Market risk (continued)
Risiko nilai tukar (lanjutan) Foreign exchange risk (continued)
Tabel di bawah ini menggambarkan posisi mata The table below indicates the foreign
uang asing atas aset dan liabilitas moneter yang currencies position of non-trading monetary
tidak diperdagangkan pada tanggal 31 Desember assets and liabilities as of December 31, 2024
2024 dan 2023 dimana Bank memiliki risiko and 2023 which shows that the Bank has risk
terhadap arus kas masa depan. Analisis tersebut exposure in expected cash flows. The analysis
menghitung pengaruh dari pergerakan wajar mata calculates the effect of a reasonably possible
uang asing yang memungkinkan terhadap Rupiah, movement of the currency rate against the
dengan seluruh variabel lain dianggap konstan, Indonesian Rupiah, with all variables held
terhadap laporan laba rugi dan penghasilan constant, on the statement of profit or loss and
komprehensif lain (akibat adanya perubahan nilai other comprehensive income (due to change in
wajar aset dan liabilitas moneter yang tidak the fair value of currency sensitive non-trading
diperdagangkan yang sensitif terhadap nilai tukar) monetary assets and liabilities) and equity (due
dan ekuitas (akibat adanya perubahan nilai wajar to change in the fair value of fair value through
atas aset dan liabilitas keuangan yang termasuk other comprehensive income financial assets
kategori nilai wajar melalui komprehensif lain). and liabilities).
2024
Kenaikan/ (penurunan) Sensitivitas dalam
dalam basis poin/ laporan laba rugi/
Increase/ (decrease) in Sensitivity of profit or
basis points loss
Mata uang Currency
Dolar Amerika Serikat 10/(10) 0,48/(0,48) United States Dollar
Poundsterling Inggris 10/(10) 4,24/(4,24) Great Britain Poundsterling
Euro Eropa 10/(10) 3,66/(3,66) European Euro
2023
Kenaikan/ (penurunan) Sensitivitas dalam
dalam basis poin/ laporan laba rugi/
Increase/ (decrease) in Sensitivity of profit or
basis points loss
Mata uang Currency
Dolar Amerika Serikat 10/(10) 8,12/(8,12) United States Dollar
Poundsterling Inggris 10/(10) 4,99/(4,99) Great Britain Poundsterling
Euro Eropa 10/(10) 2,18/(2,18) European Euro
3. Risiko likuiditas 3. Liquidity risk
Risiko likuiditas adalah risiko akibat Liquidity risk is risk due to the inability of the
ketidakmampuan Bank untuk memenuhi Bank to meet obligations due from cash flow
kewajiban yang jatuh tempo dari sumber funding sources and/or from high quality liquid
pendanaan arus kas dan/atau dari aset likuid assets that can be pledged, without disrupting
berkualitas tinggi yang dapat diagunkan, tanpa the activities and financial condition of the
mengganggu aktivitas dan kondisi keuangan Bank.
Bank.
- 149 -
Page 680
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
3. Risiko likuiditas (lanjutan) 3. Liquidity risk (continued)
Kunci pengukuran yang digunakan oleh Bank The key measurement used by the Bank to
untuk mengelola risiko likuiditas adalah dengan manage liquidity risk is to use gap analysis and
menggunakan analisis gap dan rasio-rasio liquidity ratios such as the ratio of liquid assets
likuiditas seperti rasio aset likuid terhadap dana to third party funds, core depositors' ratio,
pihak ketiga, rasio deposan inti, Rasio macroprudential intermediation ratio (RIM),
Intermediasi Makroprudensial (RIM), serta and by monitoring the net position of cash flows
dengan memantau posisi bersih arus kas dalam within a period 1 day to the next 3 months and
jangka waktu 1 hari sampai dengan 3 bulan ke interbank funding activities. The Bank monitors
depan dan aktivitas pendanaan antar bank. Bank liquidity risk management through the
melakukan pemantauan atas pengelolaan risiko development of a liquidity risk profile every
likuiditas melalui perkembangan profil risiko month that is reported to the Directors and Risk
likuiditas setiap bulan yang dilaporkan kepada Monitoring Committee.
Direksi dan Komite Pemantau Risiko.
Beberapa langkah telah diambil dalam mengelola Several steps have been taken in managing
risiko likuiditas, seperti dari sisi aset, strategi liquidity risk, such as in terms of assets,
pembelian instrumen keuangan yang berkualitas purchasing strategies of high quality and low-
tinggi dan berisiko rendah untuk posisi trading risk financial instruments for trading book
book, available for sale dan hold to maturity, positions, available for sale and hold to
memelihara posisi aset likuid, dan menjaga saldo maturity, maintaining liquid asset positions,
Giro Wajib Minimum (GWM) sesuai ketentuan and maintaining the Statutory Reserves (GWM)
Bank Indonesia. Sementara di sisi kewajiban, in accordance with Bank Indonesia
strategi memelihara komposisi Current Account regulations. While on the liability side, the
Savings Account (CASA) terhadap total deposito strategy maintains the composition of the
dan melakukan analisis terhadap jenis-jenis Current Account Savings Account (CASA) of
liabilitas dan jangka waktunya. total deposits and analyzes the types of
liabilities and their time periods.
Langkah yang diambil oleh Bank sehubungan The steps taken by the Bank in connection with
dengan mismatch antara aset dan liabilitas the mismatch between monetary assets and
moneter yang jatuh tempo antara 1 (satu) sampai liabilities with maturities between 1 (one) to 6
dengan 6 (enam) bulan adalah meningkatkan (six) months are to improve service to
pelayanan kepada nasabah, memantau customers, monitor the extension of deposits,
perpanjangan simpanan, mencari nasabah baru find new customers and offer attractive
serta menawarkan produk dan bunga yang products and interest to customers, to maintain
menarik kepada nasabah, untuk menjaga stabilitas stability and continuity in the amount of
dan kontinuitas jumlah simpanan. deposits.
Di samping itu, Bank juga mengintensifkan usaha In addition, the Bank also intensified collection
penagihan kepada debitur bermasalah, penjualan efforts for troubled debtors, foreclosed
agunan yang diambil alih (AYDA) dan collateral sales (AYDA) and placed excess
menempatkan kelebihan dana pada surat-surat funds in securities that have a liquid market so
berharga yang memiliki pasar yang likuid that they can be disbursed at any time if the
sehingga dapat dicairkan setiap saat apabila Bank Bank needs funds.
membutuhkan dana.
- 150 -
Page 681
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
3. Risiko likuiditas (lanjutan) 3. Liquidity risk (continued)
2024
1 bulan 3 bulan 2 tahun
sampai sampai 1 tahun sampai
dengan 3 dengan 1 sampai dengan 5 Lebih dari
Kurang dari 1 bulan/ 1 tahun/ 3 dengan 2 tahun/ 2 5 tahun/
bulan/ Less month until months until 1 tahun/ 1 year years until 5 More than
Jumlah/ Total than 1 mon 3 months year until 2 years years 5 years
Aset Assets
Kas 769.354 769.354 - - - - - Cash
Giro pada Bank Current accounts with
Indonesia 3.024.920 3.024.920 - - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 349.519 349.519 - - - - - other banks
Penempatan pada Placements with Bank
Bank Indonesia dan Indonesia and other
bank lain 2.177.464 2.177.464 - - - - - banks
Efek-efek 8.502.776 753.310 623.460 4.333.464 1.346.060 1.066.004 380.478 Marketable securities
Wesel ekspor 166.681 - - 166.681 - - - Export bills
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreement to
kembali 976.065 976.065 - - - - - resell
Derivative
Tagihan derivatif 48 48 - - - - - receivables
Pendapatan bunga
yang masih akan Accrued interest
diterima 253.265 253.265 - - - - - receivables
Kredit yang diberikan 10.605.479 416.020 175.912 3.676.200 939.006 2.215.086 3.183.255 Loans
Acceptance
Tagihan akseptasi 166.682 - - 166.682 - - - receivables
Investment in shares
Penyertaan saham 6 - - - - - 6 of stock
Aset lain-lain: Other assets:
Setoran jaminan dan Guarantee deposits
tagihan 21.858 - - - 21.858 - - and receivables
Jumlah 27.014.117 8.719.965 799.372 8.343.027 2.306.924 3.281.090 3.563.739 Total
Liabilitas Liabilities
Obligations due
Liabilitas segera 115.621 115.621 - - - - - immediately
Deposits from
Simpanan nasabah 23.890.773 20.238.163 2.643.275 1.009.335 - - - customers
Simpanan dari bank Deposits from
lain 452.454 452.454 - - - - - other banks
Liabilitas akseptasi 166.682 - - 166.682 - - - Acceptance payables
Bunga masih harus Accrued interest
dibayar 35.100 35.100 - - - - - payables
Liabilitas lain-lain 312.446 - - - - - 312.446 other liabilities
Jumlah 24.973.076 20.841.338 2.643.275 1.176.017 - - 312.446 Total
Aset (liabilitas)
bersih 2.041.041 (12.121.373) (1.843.903) 7.167.010 2.306.924 3.281.090 3.251.293 Net assets (liabilities)
- 151 -
Page 682
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
3. Risiko likuiditas (lanjutan) 3. Liquidity risk (continued)
2023
1 bulan 3 bulan 2 tahun
sampai sampai 1 tahun sampai
dengan 3 dengan 1 sampai dengan 5 Lebih dari
Kurang dari 1 bulan/ 1 tahun/ 3 dengan 2 tahun/ 2 5 tahun/
bulan/ Less month until months until 1 tahun/ 1 year years until 5 More than
Jumlah/ Total than 1 mon 3 months year until 2 years years 5 years
Aset Assets
Kas 369.134 369.134 - - - - - Cash
Giro pada Bank Current accounts with
Indonesia 2.658.276 2.658.276 - - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 338.300 338.300 - - - - - other banks
Placements with
Penempatan pada Bank
Bank Indonesia dan Indonesia and other
bank lain 711.075 279.959 431.116 - - - - banks
Marketable
Efek-efek 5.788.096 - 753.716 2.299.380 1.718.279 671.817 344.904 securities
Wesel ekspor 131.863 - - 131.863 - - - Export bills
Efek-efek yang dibeli Securities purchased
dengan janji dijual under agreement
kembali 125.469 - - 125.469 - - - to resell
Derivative
Tagihan derivatif 35 35 - - - - - receivables
Pendapatan bunga
yang masih akan Accrued interest
diterima 326.422 326.422 - - - - - receivables
Kredit yang diberikan 12.147.369 1.385.346 33.573 3.775.206 341.063 2.980.659 3.631.522 Loans
Acceptance
Tagihan akseptasi 131.863 - - 131.863 - - - receivables
Investment in shares
Penyertaan saham 6 - - - - - 6 of stock
Aset lain-lain: Other assets:
Setoran jaminan dan Guarantee deposits
tagihan 38.332 - - - 38.332 - - and receivables
Jumlah 22.766.240 5.357.472 1.218.405 6.463.781 2.097.674 3.652.476 3.976.432 Total
Liabilitas Liabilities
Obligations due
Liabilitas segera 95.711 95.711 - - - - - immediately
Deposits from
Simpanan nasabah 20.631.701 18.362.230 1.773.840 495.631 - - - customers
Simpanan dari bank Deposits from
lain 336.958 336.958 - - - - - other banks
Liabilitas derivatif 1.057 1.057 - - - - - Derivative payables
Liabilitas akseptasi 131.863 - - 131.863 - - - Acceptance payables
Bunga masih harus Accrued interest
dibayar 26.693 26.693 - - - - - payables
Liabilitas lain-lain 378.007 - - - - - 378.007 other liabilities
Jumlah 21.601.990 18.822.649 1.773.840 627.494 - - 378.007 Total
Aset (liabilitas)
bersih 1.164.250 (13.465.177) (555.435) 5.836.287 2.097.674 3.652.476 3.598.425 Net assets (liabilities)
Selanjutnya, Bank juga telah melakukan stress Furthermore, the Bank has conducted stress
testing dalam beberapa analisis skenario dengan testing in some scenario analysis by estimating
perkiraan kondisi terburuk yang mungkin terjadi of the worst case scenario and analysis of
dan analisis Contingency Funding Plan secara Contingency Funding Plan periodically.
periodik.
Pemantauan harian maupun secara periodik Daily and periodically monitoring of the
terhadap transaksi-transaksi yang berkaitan transactions relating to the Bank’s liquidity risk
dengan risiko likuiditas telah dilakukan Bank has been performed consistently to establish
secara konsisten untuk terwujudnya tata kelola good corporate governance.
perusahaan yang baik.
- 152 -
Page 683
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
4. Risiko operasional 4. Operational risk
Risiko operasional adalah risiko akibat Operational risk is the risk due to inadequate
ketidakcukupan dan/atau tidak berfungsinya and/or failed internal processes, human error,
proses internal, kesalahan manusia, kegagalan system failure, and/or the existence of external
sistem, dan/atau adanya kejadian-kejadian events affecting the Bank’s operations.
eksternal yang mempengaruhi operasional Bank.
Bank menerapkan manajemen risiko operasional The Bank implements operational risk
dengan sasaran memastikan bahwa Bank telah management with the objective to ensure that
melakukan proses manajemen risiko yang Bank has performed a risk management
meliputi identifikasi risiko, penilaian risiko, process that includes risk identification, risk
evaluasi risiko, mitigasi risiko serta dilakukan assessment, risk evaluation, risk mitigation,
pemantauan dan pelaporan atas pelaksanaannya. and monitoring and reporting on the
Hal tersebut dilakukan dengan tujuan akhir implementation. It is perform with the ultimate
memaksimalkan manfaat dari suatu goal to maximize the benefits of a
produk/layanan atau proses transaksi/aktivitas product/service or transaction/activity process
dengan potensi risiko operasional yang telah with the potential operational risks that have
diperhitungkan. been calculate.
Pencatatan data kerugian dan potensi kerugian Recording of data loss and potential loss plays
berperan penting dalam pengelolaan dan kalkulasi an important role in the operational risk
risiko operasional. Bank telah melakukan management and calculation. The Bank has
pengelolaan pencatatan data kerugian dan potensi conducted data loss records management and
kerugian yang terjadi pada Satuan Kerja the potential loss that occurred in the
Operasional (Risk taking unit) secara periodik Operations Unit (Risk taking unit) periodically
melalui aplikasi Operational Risk Management through Operational Risk Management (ORM)
(ORM) yang telah diimplementasikan secara applications, which have been implemented
online di seluruh cabang dan unit kerja. online in all branches and unit.
Pengelolaan data kerugian tersebut sebagai salah Management of data loss is one of the input
satu data input dalam penilaian parameter Profil data in the assessment of Operational Risk
Risiko Operasional yang dipetakan sesuai Profile parameters which is mapped in
frekuensi kejadian dan dampaknya. accordance to its frequency of occurrence and
impact.
Pemantauan terhadap perkembangan Profil Monitoring the development of Operational
Risiko Operasional dilakukan melalui identifikasi Risk Profile through the identification of the
faktor-faktor penyebab kerugian operasional yang causal factors operating losses incurred and
terjadi dan memberikan rekomendasi kepada provide recommendations to the Risk taking
Satuan Kerja Operasional terkait dalam units relating to mitigate risk events in the
memitigasi kejadian risiko tersebut di masa future.
mendatang.
Pengawasan oleh Dewan Komisaris dan Direksi Monitoring by the Bank’s Boards of
Bank atas Profil Risiko Operasional dan Commissioners and Directors on the
pelaksanaan manajemen risiko dilakukan melalui Operational Risk Profile and risk management
rapat Komite Manajemen Risiko dan Komite is conducted through Risk management
Pemantau Risiko yang dilakukan secara berkala Committee and Risk Monitoring Committee
sesuai dengan kebutuhan Bank. meetings that are conducted periodically based
on the Bank’s needs.
Bank telah melakukan pengukuran risiko The Bank has measured operational risk during
operasional selama tahun berjalan dengan the current year using the Basic Indicator
menggunakan metode Basic Indicator Approach Approach (BIA) method with reference to the
(BIA) dengan berpedoman kepada Peraturan Financial Services Authority Regulation
Otoritas Jasa Keuangan Nomor 11/PJOK.03/2016 Number 11/PJOK.03/2016 concerning Capital
tentang Kewajiban Penyediaan Modal Bank Adequacy Requirements for Commercial Banks
Umum dan Surat Edaran Bank Indonesia No. and Bank Indonesia Circular Letter No.
6/SEOJK.03/2020 tentang Perhitungan Aset 6/SEOJK.03/2020 concerning Calculation of
Tertimbang Menurut Risiko (ATMR) untuk Risk-Weighted Assets (RWA) for Operational
Risiko Operasional dengan menggunakan Standar Risk using Standards for Commercial Banks.
bagi Bank Umum.
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Page 684
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
4. Risiko operasional (lanjutan) 4. Operational risk (continued)
Selain kebijakan dan metode tersebut di atas, In addition to policies and methods above, the
Bank juga telah menerapkan upaya yang terus Bank has also implemented an ongoing effort to
menerus dikembangkan untuk membangun build a cultural environment that support the
lingkungan budaya risiko yang mendukung implementation of operational risk
pelaksanaan manajemen risiko operasional. Hal management. This is done through the
tersebut dilakukan melalui penguatan pada tiga strengthening of the three lines of defense such
lini pertahanan (three lines of defense) yaitu as empower the business unit as a first line of
pemberdayaan unit bisnis sebagai lini pertahanan defense, the establishment of operational risk
pertama, pembentukan fungsi manajemen risiko management function as a second line of
operasional sebagai lini pertahanan kedua dan defense and coordination with Internal Audit as
koordinasi kerja dengan Internal Audit sebagai a third line of defense.
lini pertahanan ketiga.
5. Risiko reputasi 5. Reputation risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is the risk related to the
tingkat kepercayaan pemangku kepentingan decreasing level of stakeholders’ confidence
(stakeholder) yang bersumber dari persepsi arising from the negative perception on the
negatif terhadap Bank. Bank.
Kegagalan Bank dalam menjaga reputasinya di The Bank’s failure in proctecting its reputation
mata masyarakat dapat menimbulkan pandangan in the public’s perception may result in
maupun persepsi negatif masyarakat terhadap negative view as well as perception by the
Bank. Apabila risiko ini dihadapi oleh Bank, public towards the Bank. If the Bank faces this
maka dalam waktu singkat dapat terjadi risk then in the short run, the Bank may lose the
penurunan atau hilangnya kepercayaan nasabah customer’s trust that will ultimately result in a
terhadap Bank yang pada akhirnya akan negative impact to the Bank’s income and
memberikan dampak negatif terhadap pendapatan volume of activities.
usaha dan volume aktivitas Bank.
Corporate Secretary Bank setiap hari melakukan The Bank’s Corporate Secretary monitors the
monitoring terhadap pemberitaan media untuk news media on a daily basis for any negative
memantau publikasi negatif atau keluhan nasabah publicity or customer complaints that appeared
yang muncul di media. Sedangkan monitoring in the media. While monitoring the Bank’s wide
secara Bank wide atas keluhan nasabah yang customer complaints submitted directly to the
disampaikan langsung ke Bank dilakukan oleh Bank is conducted by SubDit Service Quality to
SubDit Service Quality untuk kemudian be followed-up through the related branch in
ditindaklanjuti penyelesaiannya melalui cabang accordance with the relevant regulations. For
terkait sesuai ketentuan yang berlaku. Untuk negative reporting and customer complaints
pemberitaan negatif dan keluhan nasabah yang that appear in the media would be clarified and
muncul di media selanjutnya dibuatkan klarifikasi responded in accordance with the best effort
dan tanggapan sesuai dengan langkah terbaik taken by the Bank.
yang ditempuh Bank.
Upaya mitigasi risiko reputasi juga dilakukan saat Efforts to mitigate reputational risk is also done
Bank meluncurkan produk/layanan/program baru when the Bank launched new products/
dengan menganalisis risiko reputasi yang services/ program by analyzing reputational
mungkin timbul dan strategi mengantisipasi risiko risks that may arise and how to anticipate risk.
tersebut. Demikian pula, untuk informasi yang Similarly for the material or important
material atau yang penting untuk diketahui oleh information to be known by the customer,
nasabah, Corporate Secretary juga menyiapkan Corporate Secretary also prepared a guide to
panduan untuk para frontliner dan spokespersons the frontliner and spokespersons for them to
agar mereka bisa menjelaskan informasi tersebut explain the information correctly and
secara benar dan proporsional kepada nasabah proportional to its customers.
Bank.
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Page 685
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
6. Risiko hukum 6. Legal risk
Risiko hukum adalah risiko akibat tuntutan Legal risk is the risk related to legal claims
hukum dan/atau kelemahan aspek yuridis. and/or weakness in the legal aspect. Such
Kelemahan aspek yuridis tersebut antara lain weakness in legal aspect is caused, among
disebabkan adanya ketiadaan peraturan others, by the lack of the supporting legislation
perundang-undangan yang mendukung atau or weakness of the contracts such as incomplete
kelemahan perikatan seperti tidak dipenuhinya requirements for a valid contract and imperfect
syarat sahnya kontrak dan pengikatan dokumen document contract.
yang tidak sempurna.
Sebagai sebuah perusahaan yang berdiri dalam As a company that established under the
yuridiksi hukum Indonesia, Bank harus selalu jurisdiction of the laws of Indonesia, the Bank
tunduk terhadap segala peraturan hukum yang shall always be subject to all regulations issued
dikeluarkan oleh Bank Indonesia dan Otoritas by Bank Indonesia and Financial Services
Jasa Keuangan selaku regulator industri Authority as the regulator of the banking
perbankan di Indonesia dan instansi berwenang industry in Indonesia and others authorities
lainnya terkait dengan Bank. Selain itu, Bank juga related to the Bank. In addition, the Bank also
harus mengikuti segala bentuk peraturan must apply any rules and laws applicable in
perundangan yang berlaku di masyarakat baik society that relevant either directly or indirectly
yang terkait secara langsung maupun tidak to the business activities of the Bank.
langsung dengan kegiatan usaha Bank. Kegagalan Incompliance to the law and regulation may
Bank dalam mengikuti peraturan hukum yang result in lawsuits that will be addressed to the
berlaku dapat mengakibatkan pada timbulnya Bank.
tuntutan hukum yang akan ditujukan kepada
Bank.
Apabila tuntutan-tuntutan hukum yang diajukan When lawsuits that are filed to the Bank have
kepada Bank memiliki nilai yang material, maka material impact, then they can provide a
hal tersebut dapat memberikan dampak secara significant affect on the financial performance
langsung terhadap kinerja keuangan Bank. of the Bank.
Untuk memitigasi risiko hukum yang mungkin To mitigate the legal risks that may arise from
timbul akibat tuntutan hukum atau kelemahan lawsuits or juridical weakness, the Bank has the
aspek yuridis, Bank memiliki Biro Hukum. Biro General Legal Division. This Division has roles
tersebut memiliki peranan antara lain: among others:
1) Melakukan analisa hukum atas produk 1) Performing legal analysis on the new
dan/atau aktivitas baru serta membuat products and/or activities as well as
standar dokumen hukum yang terkait create a standard legal documents
dengan produk dan/atau aktivitas tersebut; related to the products and activities;
2) Memberikan analisis/advis hukum kepada 2) Providing analysis/legal advice to all
seluruh pegawai pada setiap jenjang employees at every level of the
organisasi; organization;
3) Memberikan advis atas eksposur hukum 3) Providing advice on the legal exposure
akibat perubahan ketentuan atau peraturan; due to changes in rule or regulation;
4) Memeriksa segala perjanjian yang akan 4) Checking any agreements that will be
dibuat antara Bank dengan pihak ketiga; made between the Bank and third
parties;
5) Melakukan pemeriksaan berkala atas 5) Performing periodic inspections on the
perjanjian yang telah dibuat; dan agreement that has been made; and
6) Memantau risiko hukum yang ada di seluruh 6) Monitoring the legal risks in the overall
cabang dan unit kerja Bank. Bank's branches.
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Page 686
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
6. Risiko hukum (lanjutan) 6. Legal risk (continued)
Dengan adanya biro tersebut, maka Bank Through this division, the Bank has legal
memiliki kebijakan hukum dan standar dokumen policies and standard legal documents related
hukum baku yang terkait dengan produk atau to the product or banking facilities offered by
fasilitas perbankan yang ditawarkan oleh Bank the Bank to public, where such legal policy and
kepada masyarakat, dimana kebijakan hukum dan standard documents are created with reference
standar dokumen hukum dimaksud dibuat dengan to the provisions of applicable Laws and
mengacu kepada ketentuan peraturan considering the aspects jurisdiction interest of
perundangan yang berlaku serta memperhatikan the Bank. In addition, the Bank’s Legal
kepentingan aspek yuridis dari Bank. Selain itu, Division has the litigation function by handling
Biro Hukum Bank juga memiliki fungsi litigasi all legal issues related to litigation in order to
yang salah satu tugasnya adalah menangani setiap minimize legal risks that may arise.
permasalahan hukum yang terkait dengan litigasi
agar risiko hukum yang mungkin timbul dapat
diminimalisasi.
Pengelolaan risiko hukum dilakukan dengan The legal risk is also conducted by monitoring
memantau perkembangan kasus-kasus hukum the development of legal cases and take
yang terjadi dan mengambil lesson learnt dari ‘lessons learnt’ principle from those cases. The
kasus-kasus tersebut. Penanganan kasus hukum management of legal cases conducted by the
yang dilakukan pada Bank senantiasa Bank at all time calculating potential loss,
memperhitungkan potensi kerugian baik atas either through settlement or court. The Bank
penyelesaian kasus secara musyawarah also pays special attention to legal cases which
mufakat/damai ataupun melalui jalur pengadilan. potentially may create significant loss to the
Bank juga memberikan perhatian khusus atas Bank.
kasus hukum yang berpotensi menimbulkan
kerugian secara signifikan.
7. Risiko kepatuhan 7. Compliance risk
Risiko kepatuhan merupakan risiko akibat Bank Compliance risk is the risk resulting from the
tidak mematuhi dan/atau tidak melaksanakan failure of the Bank in fulfilling and/or
peraturan perundang-undangan dan ketentuan implementing the prevailing laws and
yang berlaku. regulations.
Dalam menjalankan kegiatan usaha pada industri In engaging in the banking industry services,
perbankan, Bank diwajibkan untuk selalu tunduk the Bank is required to always comply with the
terhadap peraturan perbankan yang diterbitkan banking regulations issued by Bank Indonesia,
baik oleh Bank Indonesia, Otoritas Jasa Keuangan Financial Service Auhority and the
maupun Pemerintah. Selain itu, Bank juga wajib Government. In addition, the Bank is also
tunduk kepada beberapa ketentuan lainnya required to comply with several other rules
seperti: peraturan yang mengatur Penjaminan such as; regulation on Deposit Guarantee
Simpanan, Perseroan Terbatas, Perpajakan dan Program, Limited Liability Company, Taxation
peraturan di bidang pasar modal (Otoritas Jasa and Capital Market regulations (Financial
Keuangan dan Bursa Efek). Services Authority and Stock Exchange).
Pada umumnya, risiko kepatuhan melekat pada In general, the compliance risk is embedded in
sebuah perseroan terbatas yang terkait erat pada the limited liability company which is related to
peraturan perundang-undangan dan ketentuan the prevailing laws and regulations and other
lain yang berlaku, yang mengatur kewajiban Bank regulations, which regulate the Bank’s
sebagai sebuah lembaga perbankan, seperti: risiko responsibility as a banking institution, such as:
kredit terkait dengan ketentuan Kewajiban credit risk related to Capital Adequacy Ratio
Penyediaan Modal Minimum (KPMM); Kualitas (CAR) regulations; Earning Assets Quality;
Aktiva Produktif; Pembentukan Cadangan Allowance for Impairment Losses (CKPN);
Kerugian Penurunan Nilai (CKPN); Batas Legal Lending Limit (LLL); Good Corporate
Maksimum Pemberian Kredit (BMPK); Governance (GCG); and other risks related to
penerapan tata kelola yang baik (GCG); dan risiko certain regulations. The inability of the Bank to
lain yang terkait dengan ketentuan tertentu. follow and comply with all laws and
Ketidakmampuan Bank untuk mengikuti dan regulations related to the Bank’s business
mematuhi seluruh peraturan perundangan yang activities may affect the continuity of the Bank.
terkait dengan kegiatan usaha Bank dapat
berdampak buruk terhadap kelangsungan usaha
Bank.
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Page 687
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
44. MANAJEMEN RISIKO (lanjutan) 44. RISK MANAGEMENT (continued)
III. Profil risiko (lanjutan) III. Risk profile (continued)
7. Risiko kepatuhan (lanjutan) 7. Compliance risk (continued)
Bank melakukan identifikasi dan pengelolaan The Bank identifies and manages compliance
risiko kepatuhan sejak awal dengan memberikan risk early by providing assistance to the
advis kepada unit bisnis dan unit operasional business units and operational units in
dalam hal pengembangan produk dan/atau developing new products and/or activities and
aktivitas baru dan secara aktif melakukan actively performs an assessment of Internal
penilaian terhadap kebijakan Pedoman dan Guidelines and Procedures owned by the Bank
Prosedur Internal yang dimiliki oleh Bank untuk to ensure that all external regulations have
memastikan bahwa seluruh peraturan eksternal been applied properly in such manner and
telah diakomodasi sedemikian rupa dan subsequently adhered to in practice.
selanjutnya untuk dipatuhi dalam
pelaksanaannya.
Bank memantau perkembangan eksposur risiko The Bank monitors compliance risk exposure
kepatuhan setiap bulan dan menyampaikannya progress monthly and submits it to the Boards
kepada Dewan Komisaris dan Direksi melalui of Commissioners and Directors through the
Laporan Profil Risiko Bank. Bank juga Bank’s Risk Profile Report. The Bank also sets
menetapkan strategi mitigasi risiko atas setiap a risk mitigation strategy for each event of
kejadian risiko kepatuhan yang perlu mendapat compliance risks that need special attention.
perhatian khusus.
Selanjutnya, Bank memiliki perangkat media Furthermore, the Bank has the tools of online
online untuk menyampaikan sosialisasi semua media to socialize all the rules applied to all
peraturan yang berlaku kepada seluruh jajaran levels in the Bank, hence each related unit can
Bank, sehingga setiap unit kerja terkait dapat carry out its duties and responsibilities in
melaksanakan tugas dan tanggungjawabnya accordance to the Bank’s regulations.
sesuai dengan peraturan Bank.
8. Risiko stratejik 8. Strategic risk
Risiko stratejik adalah risiko akibat Strategic risk is the risk due to
ketidaktepatan dalam pengambilan dan/atau inappropriateness in the decision and/or
pelaksanaan suatu keputusan stratejik serta execution of a strategic decision and failure to
kegagalan dalam mengantisipasi perubahan anticipate changes in the business environment.
lingkungan bisnis.
Ketidakmampuan Bank dalam melakukan Inability of the Bank to undertake the
penyusunan strategi yang tepat dapat preparation of a proper strategy may result in
menimbulkan kegagalan bisnis Bank di masa the failure of the Bank’s business in the future.
yang akan datang.
Bank melakukan identifikasi dan kuantifikasi The Bank identifies and quantifies strategic risk
risiko stratejik sejak awal penyusunan rencana from the beginning of business plan
bisnis Bank dengan berpedoman pada visi, misi, preparation based on its vision, mission,
strategi dan kemampuan Bank. strategy and capability.
Bank mengelola risiko stratejik melalui proses The Bank manages strategic risk through the
pertimbangan dan pengambilan keputusan secara process of considerations and collective
kolektif dan komprehensif di lingkungan Komite decision-making and comprehensive in the
Manajemen untuk disampaikan ke Direksi, yang Management Committee to be submitted to the
turut mempengaruhi dan berdampak pada Directors, that influence and impact the
langkah-langkah bisnis yang akan diambil dalam business steps to be taken in the policy
kerangka kebijakan dan arah yang telah framework and direction that has been set.
ditetapkan.
Selanjutnya, Bank memantau perkembangan Furthermore, the Bank monitors the
eksposur risiko stratejik setiap bulan dan development of strategic risk exposure monthly
menyampaikan kepada Dewan Komisaris dan and submits it to the Boards of Commissioners
Direksi melalui Laporan Profil Risiko Bank. and Directors through the Bank’s Risk Profile
Terhadap kejadian risiko stratejik yang perlu Report. On the event of strategic risk that need
mendapat perhatian khusus, telah ditetapkan special attention, the Bank has set up the
strategi mitigasi risikonya oleh Bank. related risk mitigation strategy.
- 157 -
Page 688
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
Tabel di bawah ini menyajikan perbandingan antara nilai The tables below summarize the comparison between the
tercatat dan nilai wajar dari semua aset dan liabilitas keuangan carrying amounts and fair values of all financial assets and
disajikan per kategori dari instrumen keuangan. Nilai wajar liabilities presented per category of financial instruments.
yang diungkapkan adalah berdasarkan informasi relevan yang The fair values disclosed are based on relevant information
tersedia pada tanggal 31 Desember 2024 dan 2023, dan tidak available as of December 31, 2024 and 2023, and not updated
diperbaharui untuk mencerminkan perubahan dalam kondisi to reflect changes in market conditions which have occurred
pasar yang telah terjadi setelah tanggal ini. after this date.
2024
Nilai tercatat/ Nilai wajar/
Carrying amount Fair value
Aset keuangan: Financial assets:
Kas 769.354 769.354 Cash
Giro pada Bank Indonesia 3.024.920 3.024.920 Current accounts with Bank Indonesia
Giro pada bank lain – bersih 349.430 349.430 Current accounts with other banks – net
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain - bersih 2.177.464 2.177.464 banks – net
Efek-efek – bersih 8.501.562 8.501.562 Marketable securities – net
Wesel ekspor 166.681 166.681 Export bills
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreement to
kembali 976.063 976.063 resell
Tagihan derivatif 48 48 Derivative receivables
Pendapatan bunga yang masih akan diterima 253.265 253.265 Accrued interest receivables
Kredit yang diberikan – bersih 10.073.572 10.073.572 Loans – net
Tagihan akseptasi 166.025 166.025 Acceptance receivables
Penyertaan saham 6 6 Investment inshares of stock
Aset lain-lain: Other assets:
Setoran jaminan dan tagihan 21.858 21.858 Guarantee deposits and receivables
Jumlah aset keuangan 26.480.248 26.480.248 Total financial assets
Liabilitas keuangan: Financial liabilities:
Liabilitas segera 115.621 115.621 Obligations due immediately
Simpanan nasabah 23.890.773 23.890.773 Deposits from customers
Simpanan dari bank lain 452.454 452.454 Deposits from other banks
Liabilitas efek yang dijual dengan janji dibeli Securities sold under agreement
kembali 499.281 499.281 to repurchase liabilities
Liabilitas derivatif - - Derivative payables
Liabilitas akseptasi 166.682 166.682 Acceptance payables
Bunga masih harus dibayar 35.100 35.100 Accrued interest payables
Liabilitas lain-lain 312.446 312.446 Other liabilities
Pinjaman subordinasi 200.000 200.000 Subordinated loan
Jumlah liabilitas keuangan 25.672.357 25.672.357 Total financial liabilities
2023
Nilai tercatat/ Nilai wajar/
Carrying amount Fair value
Aset keuangan: Financial assets:
Kas 369.134 369.134 Cash
Giro pada Bank Indonesia 2.658.276 2.658.276 Current accounts with Bank Indonesia
Giro pada bank lain – bersih 338.297 338.297 Current accounts with other banks – net
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain - bersih 711.075 711.075 banks – net
Efek-efek – neto 5.787.414 5.787.414 Marketable securities – net
Wesel ekspor 131.863 131.863 Export bills
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreement to
kembali 125.469 125.469 resell
Tagihan derivatif 35 35 Derivative receivables
Pendapatan bunga yang masih akan diterima 326.422 326.422 Accrued interest receivables
Kredit yang diberikan – bersih 11.636.733 11.636.733 Loans – net
Tagihan akseptasi 131.362 131.362 Acceptance receivables
Penyertaan saham 6 6 Investment inshares of stock
Aset lain-lain: Other assets:
Setoran jaminan dan tagihan 38.332 38.332 Guarantee deposits and receivables
Jumlah aset keuangan 22.254.418 22.254.418 Total financial assets
- 158 -
Page 689
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(continued)
Tabel di bawah ini menyajikan perbandingan antara nilai The tables below summarize the comparison between the
tercatat dan nilai wajar dari semua aset dan liabilitas keuangan carrying amounts and fair values of all financial assets and
disajikan per kategori dari instrumen keuangan. Nilai wajar liabilities presented per category of financial instruments.
yang diungkapkan adalah berdasarkan informasi relevan yang The fair values disclosed are based on relevant information
tersedia pada tanggal 31 Desember 2024 dan 2023, dan tidak available as of December 31, 2024 and 2023, and not
diperbaharui untuk mencerminkan perubahan dalam kondisi updated to reflect changes in market conditions which have
pasar yang telah terjadi setelah tanggal ini. (lanjutan) occurred after this date. (continued)
2023
Nilai tercatat/ Nilai wajar/
Carrying amount Fair value
Liabilitas keuangan: Financial liabilities:
Liabilitas segera 95.711 95.711 Obligations due immediately
Simpanan nasabah 20.631.701 20.631.701 Deposits from customers
Simpanan dari bank lain 336.958 336.958 Deposits from other banks
Liabilitas efek yang dijual dengan janji dibeli Securities sold under agreement
kembali - - to repurchase liabilities
Liabilitas derivatif 1.057 1.057 Derivative payables
Liabilitas akseptasi 131.863 131.863 Acceptance payables
Bunga masih harus dibayar 26.693 26.693 Accrued interest payables
Liabilitas lain-lain 378.007 378.007 Other liabilities
Pinjaman subordinasi 200.000 200.000 Subordinated loan
Jumlah liabilitas keuangan 21.801.990 21.801.990 Total financial liabilities
a. Giro pada Bank Indonesia, giro pada bank lain dan a. Current accounts with Bank Indonesia and other
pendapatan bunga yang masih akan diterima dan aset banks, accrued interest receivables and other assets.
lain-lain.
Nilai tercatat dari giro pada Bank Indonesia dan bank The carrying amount of floating rate current accounts
lain dengan suku bunga mengambang adalah perkiraan with other banks and Bank Indonesia is a reasonable
yang layak atas nilai wajar. approximation of fair value.
Estimasi nilai wajar terhadap pendapatan bunga yang The estimated fair value of accrued interest income is
masih akan diterima ditetapkan berdasarkan diskonto based on discounted cash flows using prevailing
arus kas dengan menggunakan suku bunga pasar uang money market interest rates for debts with similar
yang berlaku untuk utang dengan risiko kredit dan sisa credit risk and remaining maturity. Since the maturity
jatuh tempo yang serupa. Karena sisa jatuh tempo di is less than 1 (one) year, the carrying amount of
bawah 1 (satu) tahun sehingga nilai tercatat dari accrued interest income is a reasonable
pendapatan bunga yang masih akan diterima adalah approximation of fair value.
perkiraan yang layak atas nilai wajar.
Nilai wajar setoran jaminan diasumsikan sama dengan The fair value of security deposits are assumed to be
nilai terutangnya karena tidak mempunyai persyaratan the same as their original principal amounts because
pembayaran yang pasti walaupun tidak diharapkan they have no fixed repayment terms although they are
untuk dikembalikan dalam jangka waktu 12 (dua belas) not expected to be settled within 12 (twelve) months
bulan setelah periode pelaporan. after the reporting period.
b. Penempatan pada Bank Indonesia dan bank lain b. Placements with Bank Indonesia and other banks
Nilai tercatat dari penempatan dan simpanan overnight The carrying amount of floating rate placements and
dengan suku bunga mengambang adalah perkiraan overnight deposits is a reasonable approximation of
yang layak atas nilai wajar. fair value.
Estimasi nilai wajar terhadap penempatan dengan suku The estimated fair value of fixed interest bearing
bunga tetap ditetapkan berdasarkan diskonto arus kas deposits is based on discounted cash flows using
dengan menggunakan suku bunga pasar uang yang prevailing money market interest rates for debts with
berlaku untuk utang dengan risiko kredit dan sisa jatuh similar credit risk and remaining maturity. Since the
tempo yang serupa. Karena sisa jatuh tempo di bawah maturity is below 1 (one) year, the carrying amount
1 (satu) tahun, sehingga nilai tercatat dari penempatan of fixed interest bearing deposits is a reasonable
dengan suku bunga tetap adalah perkiraan yang layak approximation of fair value.
atas nilai wajar.
- 159 -
Page 690
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(continued)
c. Efek-efek c. Marketable securities
Nilai wajar untuk efek ditetapkan berdasarkan harga The fair value for marketable securities is based on
pasar atau harga kuotasi perantara (broker)/ pedagang market prices or broker/dealer price quotations.
efek (dealer).
d. Wesel ekspor d. Export bills
Estimasi nilai wajar terhadap wesel ekspor ditetapkan The estimated fair value of export bills is determined
berdasarkan diskonto arus kas dengan menggunakan based on discounted cash flows using money market
suku bunga pasar uang yang berlaku untuk utang interest rates that apply to debt with similar credit risk
dengan risiko kredit dan sisa jatuh tempo yang serupa. and remaining maturity. Because the remaining
Karena sisa jatuh tempo di bawah satu tahun sehingga maturity is less than one year, the carrying amount of
nilai tercatat dari wesel ekspor adalah perkiraan yang the export bills is a reasonable estimate of fair value.
layak atas nilai wajar.
e. Kredit yang diberikan e. Loans
Portofolio kredit Bank secara umum terdiri dari kredit Generally, the Bank’s loan portfolio consists of loans
yang diberikan dengan suku bunga mengambang dan with variable interest rate and short-term loans with
kredit yang diberikan dengan jangka pendek dengan fixed interest rate. Loans are stated at amortized cost.
suku bunga tetap. Kredit yang diberikan dinyatakan The estimated fair value of loans represents the
berdasarkan amortized cost. Nilai wajar dari kredit discounted amount of estimated future cash flows
yang diberikan menunjukkan nilai diskon dari expected to be received by the Bank using the current
perkiraan arus kas masa depan yang diharapkan akan market rates.
diterima oleh Bank dengan menggunakan suku bunga
pasar saat ini.
Nilai tercatat dari kredit yang diberikan dengan suku The carrying amounts of variable rate loans and
bunga mengambang dan nilai tercatat atas kredit jangka short-term fixed rate loans are the reasonable
pendek dengan suku bunga tetap adalah perkiraan yang approximation of their fair values.
layak atas nilai wajar.
f. Instrumen derivatif f. Derivative instruments
Nilai wajar atas instrumen derivatif yang dinilai The fair values of derivative instruments valued by
menggunakan teknik penilaian dengan menggunakan valuation techniques using components which can be
komponen yang dapat diamati di pasar terutama adalah observed in the market, primarily are interest rate
swap suku bunga, swap mata uang dan kontrak swaps, currency swaps and currency exchange
pertukaran mata uang. Teknik penilaian yang paling contracts. Most widely used valuation techniques
banyak digunakan meliputi model penilaian forward include forward and swap valuation models which
dan swap yang menggunakan perhitungan nilai kini. use the present value calculation. The models
Model tersebut menggabungkan berbagai komponen incorporate various components which include the
yang meliputi kualitas kredit dari counterparty, nilai credit quality of the counterparty, spot value and
spot dan kontrak berjangka serta kurva tingkat suku future contracts and interest rate curve.
bunga.
g. Liabilitas segera, simpanan nasabah, simpanan dari g. Obligations due immediately, deposits from
bank lain, bunga masih harus dibayar dan liabilitas customers, deposits from other banks, accrued
lain-lain. interest expenses and other liabilities.
Estimasi nilai wajar simpanan tanpa jatuh tempo, The estimated fair value of deposits with no stated
termasuk simpanan tanpa bunga, adalah sebesar jumlah maturity, which includes non-interest bearing
terutang ketika utang tersebut dibayarkan. deposits, is the amount repayable on demand.
Estimasi nilai wajar terhadap simpanan dengan tingkat The estimated fair value of fixed interest-bearing
suku bunga tetap, bunga masih harus dibayar dan deposits, accrued interest expenses and other
liabilitas lain-lain yang tidak memiliki kuotasi di pasar liabilitiesnot quoted in an active market is based on
aktif ditetapkan berdasarkan diskonto arus kas dengan discounted cash flows using interest rates for new
menggunakan suku bunga utang baru dengan sisa jatuh debts with similar remaining maturity. Since the
tempo yang serupa. Karena sisa jatuh tempo di bawah maturity is below 1 (one) year, the carrying amount
1 (satu) tahun sehingga nilai tercatat dari simpanan of deposits from customers, deposits from other banks
nasabah, simpanan dari bank lain, bunga masih harus and other liabilities is a reasonable approximation of
dibayar dan liabilitas lain-lain adalah perkiraan yang fair value.
layak atas nilai wajar.
- 160 -
Page 691
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(continued)
h. Liabilitas efek yang dijual dengan janji dibeli kembali h. Securities sold under agreement to repurchase
liabilities
Nilai wajar agregat berdasarkan model diskonto arus Their aggregate fair values are based on discounted
kas menggunakan kurva yield terkini yang tepat untuk cash flow model using current yield curve
sisa periode jatuh temponya. appropriate for the remaining term to maturity.
i. Pinjaman subordinasi i. Subordinated loan
Nilai wajar dari pinjaman subordinasi dihitung The fair value of subordinated loan is calculated
menggunakan arus kas yang didiskonto berdasarkan using discounted cash flows using market rate.
suku bunga pasar.
Tabel di bawah ini menunjukkan instrumen keuangan yang The tables below show the financial instruments measured at
diukur pada nilai wajar yang dikelompokkan berdasarkan fair value Banked according to the fair value hierarchy:
hirarki nilai wajar:
2024
Nilai wajar/ Fair value
Nilai Tercatat/ Tingkat 1/ Tingkat 2/ Tingkat 3/
Carrying Value Level 1 Level 2 Level 3
Aset keuangan Financial assets
Efek-efek : Marketable securities
Rupiah Rupiah
- Biaya perolehan diamortisasi 6.509.305 6.509.305 - - Amortized cost –
- Nilai wajar melalui Fair value through other –
komprehensif lain 734.578 734.578 - - comprehensive income
- Nilai wajar melalui laba rugi 775.077 775.077 - - Fair value through profit or loss -
Kredit yang diberikan 10.350.610 - - 10.350.610 Loans
Mata Uang Asing Foreign Currency
- Biaya perolehan diamortisasi 131.991 131.991 - - Amortized cost -
- Nilai wajar melalui Fair value through other –
komprehensif lain 145.467 145.467 - - comprehensive income
- Nilai wajar melalui laba rugi 206.358 206.358 - - Fair value through profit or loss
Kredit yang diberikan 254.869 - - 254.869 Loans
Jumlah 19.108.255 8.502.776 - 10.605.479 Total
Liabilitas keuangan Financial liabilities
Nilai wajar melalui laba rugi: Fair value through profit or loss:
- Liabilitas derivatif - - - - Derivatives payable -
- Pinjaman subordinasi 200.000 - - 200.000 Subordinated loan -
Jumlah 200.000 - - 200.000 Total
- 161 -
Page 692
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
45. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 45. FAIR VALUE OF FINANCIAL INSTRUMENTS
(continued)
Tabel di bawah ini menunjukkan instrumen keuangan yang The tables below show the financial instruments measured at
diukur pada nilai wajar yang dikelompokkan berdasarkan fair value Banked according to the fair value hierarchy:
hirarki nilai wajar: (lanjutan) (continued)
2023
Nilai wajar/ Fair value
Nilai Tercatat/ Tingkat 1/ Tingkat 2/ Tingkat 3/
Carrying Value Level 1 Level 2 Level 3
Aset keuangan Financial assets
Efek-efek : Marketable securities
Rupiah Rupiah
- Biaya perolehan diamortisasi 4.161.140 4.161.140 - - Amortized cost –
- Nilai wajar melalui Fair value through other –
komprehensif lain 1.088.725 1.088.725 - - comprehensive income
- Nilai wajar melalui laba rugi 307.164 307.164 - - Fair value through profit or loss –
Kredit yang diberikan 11.631.527 - 11.631.527 Fair value through profit or loss
Mata Uang Asing Foreign Currency
- Biaya perolehan diamortisasi 77.914 77.914 - - Amortized cost -
- Nilai wajar melalui Fair value through other –
komprehensif lain 153.153 153.153 - - comprehensive income
Kredit yang diberikan 515.842 - - 515.842 Loans
Jumlah 17.935.465 5.788.096 - 12.147.369 Total
Liabilitas keuangan Financial liabilities
Nilai wajar melalui laba rugi: Fair value through profit or loss:
- Liabilitas derivatif 1.057 - - 1.057 Derivatives payable -
- Pinjaman subordinasi 200.000 - - 200.000 Subordinated loan -
Jumlah 201.057 - - 201.057 Total
46. MANAJEMEN MODAL 46. CAPITAL MANAGEMENT
Tujuan manajemen permodalan Bank adalah untuk The Bank’s capital management objectives is to maintain a
mempertahankan posisi modal yang kuat untuk mendukung strong capital position to support business growth and to
pertumbuhan bisnis dan mempertahankan investor, deposan, sustain investors, depositors, and market confidence, to
dan kepercayaan pasar, memastikan struktur permodalan yang ensure the efficiency of the capital structure and meet the
efisiensi dan memenuhi ketentuan permodalan yang capital requirements set by regulators. In managing its
ditetapkan oleh regulator. Dalam pengelolaan permodalan, capital, the Bank considers factors such as providing optimal
Bank mempertimbangkan faktor-faktor seperti pengembalian capital rate of return to shareholders and safety provided by
modal yang optimal pada pemegang saham dan keamanan a sound capital position.
yang diberikan oleh posisi modal yang sehat.
Bank menyusun Rencana Permodalan berdasarkan penilaian The Bank undertakes Capital Planning based on assessment
dan penelaahan atas kebutuhan kecukupan permodalan yang and review of the capital situation in terms of the legal
dipersyaratkan dan mengkombinasikannya dengan tinjauan capital adequacy requirement, combined with assessment of
perkembangan ekonomi terkini dan hasil dari metode stress economic outlooks and stress test result. The Bank will
test. Bank senantiasa akan menghubungkan tujuan keuangan continue to link financial and capital adequacy goals to risk
dan kecukupan modal terhadap risiko melalui proses appetite through the capital planning process and stress
perencanaan modal dan stress test, begitu pula dengan usaha testing method as well as assess the businesses based on the
yang didasarkan pada permodalan dan persyaratan likuiditas Bank’s capital and liquidity requirements.
Bank.
Kebutuhan permodalan Bank juga direncanakan dan The capital adequacy of the Bank are also discussed and
didiskusikan secara rutin yang didukung dengan data analisis. managed on a routine basis supported by data analysis.
Rencana Permodalan disusun oleh Direksi sebagai bagian dan Capital requirement is prepared by Board of Directors as
Rencana Bisnis Bank dan disetujui oleh Dewan Komisaris. part of Bank’s business plan and is approved by the Board of
Perencanaan ini diharapkan akan memastikan tersedianya Commissioners. This requirement to ensure minimum capital
modal yang cukup dan terciptanya struktur permodalan yang and an optimum of capital structure.
optimal.
- 162 -
Page 693
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
46. MANAJEMEN MODAL (lanjutan) 46. CAPITAL MANAGEMENT (continued)
Kewajiban Penyediaan Modal Minimum (KPMM) pada The Minimum Capital Adequacy Requirement (KPMM) on
tanggal 31 Desember 2024 dan 2023 dihitung berdasarkan December 31, 2024 and 2023 is calculated based on the
Peraturan Otoritas Jasa Keuangan (POJK) Financial Services Authority Regulation (POJK)
No. 34/POJK.03/2016 tanggal 26 September 2016 tentang No. 34/POJK.03/2016 dated September 26, 2016 concerning
Kewajiban Penyediaan Modal Minimum Bank Umum, Minimum Capital Adequacy Requirements for Commercial
dimana modal untuk risiko kredit terdiri dari modal inti Banks, where capital for credit risk consist of core capital
(Modal Inti Utama/ Common Equity Tier 1 - CET 1 dan Modal (Main Core Capital/Common Equity Tier -CET 1 and
Inti Tambahan/Additional Tier 1 - AT 1) dan modal Additional Core Capital/Additional Tier 1 – AT 1) and
pelengkap. supplementary capital.
Aset Tertimbang Menurut Risiko (ATMR) dihitung Risk-Weighted Assets (RWA) is calculated based on the
berdasarkan persyaratan yang telah ditentukan yang requirements determined which reflect varying degrees of
mencerminkan berbagai tingkatan risiko yang terkait dengan risk associated with the assets and exposures that are not
aset dan eksposur yang tidak tercermin dalam laporan posisi reflected in the statement of financial position. Based on OJK
keuangan. Berdasarkan peraturan OJK, Bank diharuskan regulations, the Bank is required to consider the credit risk,
untuk mempertimbangkan risiko kredit, risiko pasar dan risiko market risk and operational risk in measuring RWA.
operasional dalam mengukur ATMR.
Manajemen menggunakan rasio permodalan yang diwajibkan Management uses capital ratio required by the regulator to
oleh regulator untuk memantau permodalan Bank. Pendekatan monitor the Bank's capital. OJK approach to measurement is
OJK untuk pengukuran ini terutama didasarkan pada based primarily on monitoring the relationship between the
pemantauan hubungan antara profil risiko Bank dengan risk profile of the Bank by the adequacy of capital. Banks are
ketersediaan modal. Bank wajib menyediakan modal required to provide the appropriate minimum capital risk
minimum sesuai profil risiko. profile.
Penyediaan modal minimum sebagaimana dimaksud The capital adequacy minimum referred defined as follows:
ditetapkan sebagai berikut:
a) 8% dari ATMR untuk bank dengan profil risiko a) 8% of RSA for banks with a risk profile rating of 1
peringkat 1
b) 9% sampai dengan kurang dari 10% dari ATMR untuk b) 9% to less than 10% of RSA for banks with a risk
bank dengan profil risiko peringkat 2 profile rating of 2
c) 10% sampai dengan kurang dari 11% dari ATMR untuk c) 10% to less than 11% of RSA for banks with a risk
bank dengan profil risiko peringkat 3 profile rating of 3
d) 11% sampai dengan 14% dari ATMR untuk bank d) 11% to less than 14% of RSA for banks with a risk
dengan profil risiko peringkat 4 atau peringkat 5 profile rating of 4 or 5
Bank telah mematuhi semua persyaratan modal yang Bank has complied with all capital requirements set by the
ditetapkan oleh regulator sepanjang periode pelaporan, regulator during the reporting period, specially with regard
khususnya berkenaan dengan perhitungan KPMM dan to the calculation of CAR and RWA.
ATMR.
- 163 -
Page 694
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
46. MANAJEMEN MODAL (lanjutan) 46. CAPITAL MANAGEMENT (continued)
Kewajiban penyediaan modal Bank dengan memperhitungkan The Bank’s capital adequacy ratio with consideration for
risiko kredit, risiko operasional dan risiko pasar pada tanggal credit, operational and market risk as of December 31, 2024
31 Desember 2024 dan 2023 adalah sebagai berikut: and 2023 are as follows:
2024 2023
Komponen modal Capital component
Modal inti Core capital
Modal inti utama (CET 1) 3.591.911 3.584.721 Common equity tier (CET 1)
Modal inti tambahan (AT 1) - - Additonal tier (AT 1)
Jumlah modal inti 3.591.911 3.584.721 Total core capital
Modal pelengkap 373.786 363.711 Supplementary capital
Jumlah modal (Catatan 41) 3.965.697 3.948.432 Total capital (Note 41)
Aset tertimbang menurut risiko
untuk risiko kredit 13.902.911 14.519.135 Risk weighted assets for credit risk
Aset tertimbang menurut risiko
untuk risiko operasional 1.036.269 977.823 Risk weighted assets for operational risk
Aset tertimbang menurut risiko
untuk risiko pasar 105.898 321.312 Risk weighted assets for market risk
Rasio kewajiban penyediaan modal
minimum untuk risiko kredit dan Capital adequacy ratio (CAR) with credit
risiko operasional 26,55% 25,48% and operational risk
Rasio kewajiban penyediaan modal
minimum untuk risiko kredit, Capital adequacy ratio (CAR) with credit,
risiko operasional dan risiko pasar 26,35% 24,96% operational and market risk
Rasio KPMM CAR ratio
Rasio CET 1 23,87% 22,66% CET 1 ratio
Rasio AT 1 23,87% 22,66% AT 1 ratio
Rasio AT 2 2,48% 2,30% AT 2 ratio
Rasio total 26,35% 24,96% Total ratio
Rasio minimum tier 1 6,00% 6,00% Tier 1 minimum ratio
Rasio minimum CET 1 4,50% 4,50% CET 1 minimum ratio
KPMM minimum berdasarkan
profil risiko 9,37% 9,39% Minimum CAR based risk profile
47. RASIO ASET PRODUKTIF TERHADAP JUMLAH 47. EARNING ASSETS RATIO OF TOTAL ASSETS
ASET
Tabel berikut menyajikan rasio aset produktif sebelum The following table presents the ratio of productive assets
dikurangi penyisihan kerugian terhadap jumlah aset: before allowance for losses to total assets:
2024 2023
Giro pada Bank Indonesia dan bank Current accounts with
lain 11,20% 11,48% Bank Indonesia and other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 7,23% 2,72% and other banks
Efek-efek 28,22% 22,68% Marketable securities
Kredit yang diberikan 35,20% 46,54% Loans
Penyertaan saham 0,00% 0,00% Investment in shares of stock
Jumlah rasio aset produktif 81,85% 83,42% Total earning assets ratio
- 164 -
Page 695
PT BANK ARTHA GRAHA INTERNASIONAL Tbk PT BANK ARTHA GRAHA INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan) NOTES TO FINANCIAL STATEMENTS (continued)
Pada dan Untuk Tahun yang Berakhir Tanggal As of and For the Year Ended
31 Desember 2024 December 31, 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
48. REKLASIFIKASI AKUN 48. ACCOUNT RECLASSIFICATION
Beberapa akun dalam laporan posisi keuangan untuk tahun A few accounts in the statement of financial position for the
yang berakhir 31 Desember 2023, telah direklasifikasi agar year ended December 31, 2023, have been reclassified to
sesuai dengan penyajian akun di laporan posisi keuangan conform with the presentation of the statement of financial
untuk tahun yang berakhir 31 Desember 2024: position for the year ended December 31, 2024
31 Desember 2023
Sebelum Setelah
reklasifikasi Reklasifikasi Reklasifikasi
ASET ASSETS
Efek-efek 5.919.277 (131.863) 5.787.414 Marketable securities
Wesel ekspor - 131.863 131.863 Export bills
49. INFORMASI PENTING LAINNYA 49. OTHER IMPORTANT INFORMATION
2024 2023
Rasio aset tetap terhadap modal 53,54% 54,70% Fixed assets to capital ratio
Rasio kredit yang diberikan terhadap
dana pihak ketiga (LDR) 44,39% 58,88% Loan to deposit ratio (LDR)
Rasio kredit yang tergolong non-
performing loans (NPL) terhadap Non-performing loans (NPL) to total
total kredit 0,77% 0,31% loans ratio
Rasio beban operasional terhadap Operating expenses to operating
pendapatan operasional (BOPO) 90,32% 90,11% income ratio
Rasio aset produktif bermasalah Non-performing earning assets to
terhadap total aset produktif 0,98% 1,09% earning assets ratio
Rasio laba setelah pajak terhadap
rata-rata aset (ROA) 0,55% 0,60% Return on assets (ROA) ratio
Rasio laba setelah pajak terhadap
rata-rata ekuitas (ROE) 4,23% 4,24% Return on equity (ROE) ratio
Net Interest Margin (NIM) 4,07% 5,58% Net interest margin (NIM)
- 165 -
Page 696
20 Laporan Tahunan 24 Annual Report
Names mentioned 168 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.2 ×18
unresolved
org
Bank Artha Graha
p.2 ×24
unresolved
org
Artha Graha Internasional Tbk
p.2 ×2
unresolved
org
Bank Awards
p.8 ×3
unresolved
org
Bank Indonesia
p.9 ×36
unresolved
org
Bank KBMI
p.9
unresolved
person
Rangkap
· Komisaris
p.11
unresolved
org
Bank Artha Graha Internasional Strategy In
p.11
unresolved
person
Kebijakan Keberagaman
· Komisaris
p.11
unresolved
person
Organ Pendukung
· Komisaris
p.11
unresolved
org
Bank Corporate Plan Akuntan Publik
p.12
unresolved
org
Bank Indonesia Giro
p.16
unresolved
org
Mikro
p.24
unresolved
org
Korporasi & Komersil
p.25
unresolved
org
Pengawas Pasar Modal
p.26
unresolved
org
Bapepam
p.26 ×20
unresolved
org
Indonesia Stock Exchange
p.26 ×8
unresolved
org
Bank Artha
p.27 ×10
unresolved
org
Banten Tbk
p.29
unresolved
org
Amil Zakat Nasional
p.32
unresolved
org
Yayasan Kemala Bhayangkari
p.32
unresolved
org
Bank Artha Graha International
p.32
unresolved
org
Bank Artha Graha’s
p.36
unresolved
org
Bank Indonesia Cashless Movement
p.36
unresolved
org
Ministry of Finance
p.36
unresolved
org
PT Samudera Indo Sejahtera
p.37 ×2
unresolved
org
Bank Artha Graha Internasional. Beberapa
p.46
unresolved
person
GCG.
· Komisaris
p.47
unresolved
org
Bank Artha WBS
p.50
unresolved
org
Bank Sentral AS
p.55
unresolved
org
Bank Internal Audit Certification
p.63
unresolved
—
Pendirian
p.72
unresolved
—
Dasar Hukum Pendirian
p.72
unresolved
person
Bagijo
p.72 ×4
unresolved
person
Eliza Pondaag
p.72 ×3
unresolved
org
Menteri Kehakiman Legal Basis of Establishment
p.72
unresolved
org
Menteri Hukum dan Hak Asasi Manusia
p.72
unresolved
org
Minister of Justice
p.72
unresolved
person
Notary Christina Susanto
p.72 ×2
unresolved
org
PT Pirus Platinum Murni
p.72
unresolved
org
PT Cerana Arthaputra
p.72
unresolved
org
PT Arthamulia Sentosajaya
p.72
unresolved
org
PT Karya Nusantara Permai
p.72
unresolved
org
Menteri Keuangan Republik Indonesia
p.73
unresolved
org
Minister of Finance
p.73 ×3
unresolved
org
Bank Devisa
p.73
unresolved
org
Bank License
p.73
unresolved
person
Pondaag
p.77
unresolved
org
Inter-Pacific Financial Corporation
p.77 ×6
unresolved
org
PT Inter-Pacific Financial
p.77 ×3
unresolved
org
PT Inter-Pacific Financial Corporation Corporation
p.77
unresolved
org
Inter-Pacific Bank Tbk
p.77 ×8
unresolved
org
Menteri Keuangan Republik
p.77 ×2
unresolved
org
Bank Inter-PT Bank Inter-Pacific Tbk
p.77 ×2
unresolved
org
Pacific Tbk
p.77
unresolved
org
Bank Inter-Pacific Tbk.
p.77 ×10
unresolved
org
Inter-Pacific Tbk.
p.77 ×2
unresolved
org
Bank Artha Bank Inter-Pacific Tbk
p.77 ×2
unresolved
org
Graha Internasional Tbk.
p.77
unresolved
org
Bank Artha Graha Internasional. Berbagai
p.78
unresolved
org
Bank Penyimpan Dana
p.79 ×2
unresolved
org
Artha
1990 | Graha
p.80
unresolved
org
Pengawas Pasar Modal dan Lembaga Keuangan
p.80
unresolved
org
II. Corporation
p.80
unresolved
org
Pengawas Pasar Modal and Lembaga Corporation
p.80
unresolved
org
Lembaga Corporation
p.80
unresolved
org
Bank Artha Graha Internasional Mobile Banking QRIS.
p.81
unresolved
org
Bank Artha Graha Customers
p.81
unresolved
org
Pengawas Perdagangan
p.81
unresolved
org
PT ABI Komoditi Berjangka
p.82
unresolved
org
Bank Artha Launching
p.82
unresolved
org
PT Indonesia Comnets Plus
p.82 ×2
unresolved
org
Bank Indonesia Certificate
p.83
unresolved
org
Ministry of Public Works
p.88
unresolved
org
Kementerian Pekerjaan Umum dan Perumahan Rakyat
p.88
unresolved
org
Bank Garansi
p.89
unresolved
person
Training
· Komisaris
p.100
unresolved
org
PT Danayasa Arthatama
· Corporate Secretary
p.102 ×6
unresolved
org
PT Jakarta International Hotels
p.102 ×3
unresolved
org
PT Jakarta International Tbk
p.102 ×2
unresolved
org
Development Tbk
p.102 ×5
unresolved
org
Prasetio Utomo
p.103 ×2
unresolved
org
Pionerindo Gourmet Internasional Tbk
p.103 ×2
unresolved
org
Repex Tbk
p.103 ×2
unresolved
org
PT Repex Persada Internasional
p.103
unresolved
org
PT Jakarta International Senior Manager Keuangan
p.103
unresolved
org
PT Pangea Sinergi Solusindo
p.103
unresolved
org
PT Charoen Pokphand Indonesia Animal Kepala Akuntan
p.104
unresolved
org
PT Charoen Pokphand Indonesia Animal Feedmill
p.104
unresolved
org
PT Impex
p.104
unresolved
org
PT Impex Megah
p.104
unresolved
org
Bank Subentra
p.104
unresolved
org
PT Bank ICBC
p.105
unresolved
org
PT Bank ICBC Indonesia
p.105
unresolved
org
PT Putra Kalimantan
p.106
unresolved
org
PT Putra Kalimantan Group
p.106
unresolved
org
Bank Niaga
p.107 ×2
unresolved
org
Bank Australia
p.108
unresolved
org
CEO CEO Avexa Investment Ltd.
p.108
unresolved
org
Avexa Investment Ltd.
p.108
unresolved
org
Bell Potter Securities Limited
p.108 ×3
unresolved
org
ABN Amro Morgans Limited
p.108 ×2
unresolved
org
Bell Potter Security Limited
p.108
unresolved
org
PT Kelas Kita Edukasi Indonesia
p.108 ×2
unresolved
org
PT Project One Solution
p.108
unresolved
person
Bureau
· Direktur Kepatuhan
p.108
unresolved
org
PT Yamaha Music Manufacturing Asia
p.110 ×2
unresolved
person
Khusus Sekretariat
· Komisaris
p.112
unresolved
org
Bank KB Bukopin. Indonesian
p.115
unresolved
org
Bank DKI
p.115 ×2
unresolved
org
PT Bank Resona Perdania
p.115 ×2
unresolved
org
PT Bank BPD Banten
p.115 ×2
unresolved
org
Bank BPD Sulawesi Tenggara
p.115
unresolved
org
Bank BPD Southeast Sulawesi
p.115
unresolved
org
PT Global Persada Inti Affiliate
p.180
unresolved
org
PT Artha Propertindo Indonesia Affiliate
p.180
unresolved
org
PT Adinusa Puripratama Affiliate
p.180
unresolved
org
PT Harapan Sinar Sejahtera Affiliate
p.180
unresolved
org
PT Catur Kusuma Abadi Sejahtera Affiliate
p.180
unresolved
org
PT Gemilang Inti Persada Affiliate
p.180
unresolved
org
PT Artha Graha Network Affiliate
p.180
unresolved
org
PT Detik Amita Sakti Affiliate
p.180
unresolved
org
PT Lava Pratama Indonesia Affiliate
p.180
unresolved
org
PT Lentera Duasatu Propertindo Affiliate
p.180
unresolved
org
PT Kharisma Arya Paksi Affiliate
p.180
unresolved
org
PT Kresna Aji Sembada Affiliate
p.180
unresolved
org
PT Artha Graha General Insurance Affiliate
p.180
unresolved
org
PT Bangun Kosambi Sukses Affiliate
p.180
unresolved
org
PT Pantai Indah Kapuk Dua Affiliate
p.180
unresolved
org
Yayasan Buddha Tzu Chi Affiliate
p.180
unresolved
person
BERADA DI BAWAH
· KOMISARIS
p.244
Extraction attempts how the parser did, and what it refused
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