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Laporan Pelaksanaan Tata Kelola Tahun 2024
Corporate Governance Implementation Report 2024
Daftar Isi
A. Ringkasan Eksekutif / Executive Summary ..................................................................................... 3
B. Pelaksanaan Tata Kelola / Governance Implementation ............................................................... 4
1. RUPS (Rapat Umum Pemegang Saham) / GMS (General Meeting of Shareholders) ............... 4
2. Direksi / Board of Directors ...................................................................................................... 13
3. Dewan Komisaris / Board of Commissioners ........................................................................... 33
4. Nominasi dan remunerasi Direksi dan Komisaris / Nomination and Remunerations of BoD
and BoC .......................................................................................................................................... 50
5. Komite Audit / Audit Committee ............................................................................................. 63
6. Komite Pemantau Risiko / Risk Oversight Committee ............................................................ 72
7. Komite Remunerasi dan Nominasi / Remuneration and Nomination Committee................. 83
8. ALCO / Asset Liability Committee............................................................................................. 95
9. Komite Manajemen Risiko / Risk Management Committee................................................... 98
10. Komite Pengarah Teknologi Informasi / Information Technology Steering Committee ..... 102
11. Komite Kebijakan Perkreditan / Credit Policy Committee ................................................... 106
12. Sekretaris Perusahaan / Corporate Secretary ...................................................................... 109
13. Fungsi Kepatuhan / Compliance Function ............................................................................ 112
14. Anti Pencucian Uang, Pencegahan Pendanaan Terorisme dan Pencegahan Pendanaan
Proliferasi Senjata Pemusnah Massal (APU, PPT, dan PPPSPM) / Anti-Money Laundering,
Countering the Financing of Terrosism, and Countering the Financing of Proliferation of
Weapons of Mass Destruction .................................................................................................... 114
15. Fungsi Audit Internal / Internal Audit Function .................................................................... 122
16. Fungsi Audit Eksternal / External Audit Function ................................................................. 127
17. Sistem Manajemen Risiko / Risk Management System ....................................................... 129
18. Sistem Pengendalian Intern / Internal Control System ........................................................ 153
19. Penyediaan Dana Kepada Pihak Terkait Dan Penyediaan Dana Besar / Provisions of Fund to
Related Party and Large Exposure .............................................................................................. 156
20. Rencana Strategis Bank / Bank Strategic Plan ..................................................................... 157
21. Transparansi Kondisi Keuangan dan Non Keuangan / Transparency of Financial and Non-
Financial Condition ...................................................................................................................... 158
22. Penerapan Strategi Anti Fraud / Implementation of Anti Fraud Strategy .......................... 159
23. Sistem Pelaporan Pelanggaran / Whistleblowing System.................................................... 164
24. Kebijakan Anti Korupsi / Anti Corruption Policy................................................................... 167
25. Pengendalian Dalam Proses Laporan Keuangan Bank / Controls in the Bank Financial
Statement Process ....................................................................................................................... 168
26. Permasalahan Hukum / Legal Issues .................................................................................... 169
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Laporan Pelaksanaan Tata Kelola Tahun 2024
Corporate Governance Implementation Report 2024
27. Transaksi yang mengandung Benturan Kepentingan / Transactions with Conflict of
Interest.. ....................................................................................................................................... 170
28. Pembelian Kembali (Buy Back) Saham dan/atau Obligasi Bank / Shares Buyback............. 170
29. Informasi mengenai sanksi administratif Emiten / Information about Administrative
Sanctions of Emitens .................................................................................................................... 171
30. Kode Etik / Code of Ethics ...................................................................................................... 171
31. Program Kepemilikan Saham oleh Karyawan/Manajemen / Employee/Management Share
Ownership Program ..................................................................................................................... 172
32. Pemberian Dana untuk Kegiatan Sosial dan/atau Kegiatan Politik / Providing Funds for
Social Activities and/or Political Activities.................................................................................. 173
33. Penerapan atas pedoman Tata kelola Perusahaan Terbuka bagi Emiten yang menerbitkan
efek bersifat ekuitas atau Perusahaan Publik / Implementation of The Guidelines on Public
Company Governance .................................................................................................................. 179
34. Laporan Penilaian Sendiri (self-assessment) penerapan tata kelola / Self-assessment report
on GCG Implementation .............................................................................................................. 186
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Laporan Pelaksanaan Tata Kelola Tahun 2024
Corporate Governance Implementation Report 2024
A. Ringkasan Eksekutif A. Executive Summary
1. Hasil self-assessment terhadap penerapan Tata 1. The self-assessment result on the implementation
Kelola Bank untuk tahun 2024 berada pada of the Bank's Corporate Governance for 2024 is
peringkat 2 (Baik). ranked 2 (Good).
2. Dewan Komisaris (Dekom) senantiasa melakukan 2. The Board of Commissioners (BoC) continuously
pemantauan terhadap penerapan Tata Kelola monitors the implementation of the Bank's
Bank melalui Rapat Dewan Komisaris dan Rapat Corporate Governance through BOC Meetings and
Gabungan Dewan Komisaris dan Direksi. the BOC-BOD Joint Meetings.
3. Direksi secara konsisten meningkatkan dan 3. The Board of Directors (BoD) consistently improves
mengutamakan penerapan tata Kelola Bank yang and prioritizes the implementation of good
baik dalam melayani dan memenuhi tanggung corporate governance in serving and fulfilling its
jawab kepada seluruh stakeholders Bank. responsibilities to all stakeholders of the Bank.
4. Adapun frekuensi rapat yang dilakukan Bank 4. The frequency of meetings held by the Bank during
selama tahun 2024, yakni: 2024, namely:
a. Rapat Dewan Komisaris dilakukan sebanyak a. Meetings of the BoC were conducted 11
11 (sebelas) kali, (eleven) times,
b. Rapat Direksi dilakukan sebanyak 13 (tiga b. Meetings of the BoD were conducted 13
belas) kali, (thirteen) times,
c. Rapat Gabungan Dewan Komisaris dan Direksi c. Joint Meetings of BoC and BoD were conducted
dilakukan sebanyak 11 (sebelas) kali, 11 (eleven) times,
d. Rapat Komite Audit dilakukan sebanyak 13 d. Meetings of Audit Committee were conducted
(tiga belas) kali, 13 (thirteen) times,
e. Rapat Komite Pemantau Risiko dilakukan e. Meetings of Risk Oversight Committee were
sebanyak 12 (dua belas) kali, conducted 12 (twelve) times,
f. Rapat Komite Remunerasi dan Nominasi f. Meetings of Remuneration and Nomination
dilakukan sebanyak 6 (enam) kali, Committee were conducted 6 (six) times,
g. Rapat Komite Manajemen Risiko dilakukan g. Meetings of Risk Management Committee
sebanyak 4 (empat) kali, were conducted 4 (four) times,
h. Rapat ALCO dilakukan sebanyak 13 (tiga belas) h. Meetings of ALCO were conducted 13 (thirteen)
kali, times,
i. Rapat Komite Pengarah Teknologi Informasi i. Meetings of Information Technology Steering
dilakukan sebanyak 6 (enam) kali, Committee were conducted 6 (six) times,
j. Rapat Komite Kebijakan Perkreditan dilakukan j. Meetings of Credit Policy Committee were
sebanyak 4 (empat) kali. conducted 4 (four) times.
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Laporan Pelaksanaan Tata Kelola Tahun 2024
Corporate Governance Implementation Report 2024
B. Pelaksanaan Tata Kelola B. Governance Implementation
1. RUPS (Rapat Umum Pemegang Saham) 1. GMS (General Meeting of Shareholders)
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) is the
elemen tertinggi dalam perusahaan publik, yang highest element in public companies, which must be
wajib dilakukan sebagai bentuk pemenuhan tata carried out as a form of fulfillment of good corporate
kelola perusahaan yang baik dan sebagai bentuk governance and as a form of accountability of public
pertanggungjawaban perusahaan terbuka kepada companies to all shareholders.
seluruh pemegang saham.
Pelaksanaan RUPS telah diatur dengan terperinci, The implementation of GMS has been regulated in
yang mengikat perusahaan terbuka dan detail, which is binding on public companies and
mempermudah para pemegang saham untuk makes it easier for shareholders to attend the GMS of
menghadiri RUPS Perusahaan Terbuka yang public companies whose shares are owned by
sahamnya dimiliki oleh pemegang saham. shareholders.
Pemegang saham dapat menghadiri RUPS dengan 2 Shareholders can attend the GMS in 2 (two) ways,
(dua) cara yakni: namely:
Hadir secara daring melalui site eASY KSEI Online presence through eASY KSEI site
Hadir secara fisik di lokasi yang disediakan oleh Physically present at the location provided by the
perusahaan publik public company.
Pada tahun 2024, Bank Mestika telah melaksanakan In 2024, Bank Mestika has conducted GMS on May
RUPS pada tanggal 27 Mei 2024 dihadiri oleh 27, 2024 attended by 3,659,779,300 shares or equal
3.659.779.300 saham atau sama dengan 90,87% dari to 90.87% of the total shares issued by the Company.
total saham yang dikeluarkan oleh Perseroan.
Keputusan dalam setiap mata acara dilakukan secara Resolutions in each agenda item were made by
musyawarah untuk mufakat dan disetuui oleh 100% deliberation to reach a consensus and were approved
dari total seluruh saham sah yang hadir dalam RUPS. by 100% of the total authorized shares present at the
GMS.
Tata cara pelaksanaan dan kewajiban pelaporan The procedures for the implementation and reporting
pelaksanaan RUPS telah dijalankan dan dipenuhi obligations of the GMS have been carried out and
oleh Bank Mestika sesuai dengan regulasi yang fulfilled by Bank Mestika in accordance with the
mengatur. governing regulations.
Keterbukaan Informasi kepada pemegang saham Information disclosure to shareholders is carried out
dilakukan melalui Situs Pelaporan Emiten through the Integrated Issuer Reporting Site, eASY
Terintegrasi, situs eASY KSEI, website Perseroan dan KSEI site, the Company's website and newspapers
surat kabar berperedaran Nasional. with national circulation.
Informasi mengenai pelaksanaan RUPS tahun 2024 disampaikan sebagai berikut:
Information regarding the implementation of the 2024 GMS is presented below:
No Jadwal Pelaporan/Reporting Schedule Tanggal Pelaporan/Reporting Date
1 Pemberitahuan rencana RUPST 3 April 2024
Notification of AGMS
2 Iklan pengumuman RUPST 18 April 2024
Advertisement of AGMS announcements
3 Iklan panggilan RUPST 3 May 2024
AGMS invitation advertisement
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Corporate Governance Implementation Report 2024
4 Pelaksanaan RUPST AGMS Implementation 27 May 2024
5 Laporan dan iklan hasil RUPST 28 May 2024
Reports and advertisements on the results of the AGMS
6 Pembagian dividen 27 June 2024
Dividend Payout
Informasi Rapat Umum Pemegang Saham Tahun 2024
Information General Meeting of Shareholders 2024
Status
Realisasi Keterangan
Mata Acara RUPST
Realization Description
Status
Mata Acara I: Telah Laporan keuangan
Persetujuan Laporan Tahunan Direksi dan Pengesahan Laporan terealisasi audited Perseroan
Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Has been Telah dilaporkan.
Desember 2023 realized
The Company's
Agenda I: audited financial
Approval of the Directors' Annual Report and Ratification of the statements have
Company's Financial Statements for the financial year ending on 31 been reported.
December 2023
Hasil:
1. Menerima baik dan menyetujui Laporan Tahunan Direksi mengenai
keadaan dan jalannya Perseroan selama tahun buku 2023, serta
Laporan Pengawasan Dewan Komisaris untuk tahun buku 2023,
2. Menerima dan mengesahkan Laporan Keuangan tahun buku 2023
yang termasuk didalamnya Neraca dan Perhitungan Laba Rugi yang
telah di Audit oleh Kantor Akuntan Publik Leonard, Mulia & Richard
dalam surat nomor 00095/3.0010/AU.1/07/0313-1/1/III/2024
tanggal 22 Maret 2024.
3. Memberikan pelunasan dan pembebasan tanggung jawab
sepenuhnya kepada Direksi dan Dewan Komisaris atas pengurusan
dan pengawasan yang telah dijalankan selama tahun buku sepanjang
tindakan-tindakan tersebut tercermin dalam laporan keuangan.
Result:
1. Accepting and approving the Annual Report of the Board of Directors
regarding the condition and operation of the Company during the
2023 financial year, and the Supervisory Report of the Board of
Commissioners for the 2023 financial year,
2. Accepting and approving the 2021 Financial Statements which
include the Balance Sheet and Profit and Loss Calculation which has
been audited by the Public Accounting Firm Leonard, Mulia & Richard
as stated in the report number 00095/3.0010/AU.1/07/0313-
1/1/III/2024, March 22, 2024.
3. Giving full repayment and discharge of responsibility to the Board of
Directors and the Board of Commissioners for the management and
supervision that has been done during the financial year as long as
these actions are reflected in the financial statements.
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Laporan Pelaksanaan Tata Kelola Tahun 2024
Corporate Governance Implementation Report 2024
Mata Acara II: Telah Telah
Penetapan penggunaan laba Perseroan untuk tahun buku yang terealisasi diimplementasikan
berakhir pada tanggal 31 Desember 2023 Has been Has been
realized implemented
Agenda II:
Determination of the use of the Company's profits for the financial year
ending on December 31, 2023
Hasil:
1. Menyetujui pembagian dividen kepada Pemegang Saham sebesar Rp
138,007,647,776 atau sebesar Rp 34,27 per lembar saham.
Dividen dibagikan kepada Pemegang Saham sebanyak 4.027.068.800
lembar saham setelah dikurangi dengan saham treasuri yang dimiliki
Perseroan sebesar 63,021,200 lembar saham.
2. Memberikan kuasa dan wewenang kepada Direksi Perseroan untuk
mengatur tata cara dan pelaksanaan pembayaran dividen tunai serta
mengumumkannya sesuai dengan ketentuan yang berlaku.
3. Sisa laba Perseroan akan digunakan untuk memperkuat rasio modal,
pengembangan teknologi digital untuk peningkatan pelayanan
kepada nasabah, memperkuat sistem dan memperluas operasional
Perbankan serta peningkatan Sumber Daya Manusia.
Results:
1. Approved the distribution of dividends to Shareholders in the amount
of IDR 138,007,647,776 per share or IDR 34.27 per share Dividends
distributed to Shareholders in the amount of 4,027,068,800 shares
after deducting the treasury shares owned by the Company in the
amount of 63,021,200 share.
2. Granting power and authority to the Board of Directors of the
Company to regulate the procedures and implementation of cash
dividend payments and announce it suitable with applicable
regulations,
3. The remaining profits of the Company will be used to strengthen the
capital ratio, develop digital technology to improve services to
customers, strengthen systems and expand banking operations and
improve Human Resources.
Mata Acara III: Telah Laporan
Pemberian wewenang kepada Dewan Komisaris Perseroan untuk terealisasi penunjukan
menunjuk Akuntan Publik Independen untuk mengaudit laporan Has been Akuntan Publik
keuangan Perseroan untuk tahun buku yang berakhir tanggal 31 realized Independen telah
Desember 2024 serta pemberian wewenang kepada Direksi Perseroan dilaporkan sesuai
untuk menetapkan honorarium Akuntan Publik yang akan ditunjuk dengan regulasi
tersebut. yang mengatur.
Agenda III: The report on the
Giving the authorization to the Board of Commissioners of the Company appointment of an
to appoint an Independent Public Accountant to audit the financial Independent Public
statements of the Company for the financial year ended December 31, Accountant has
2024 and giving the authorization to the Board of Directors of the been reported to
Company to determine the honorarium for the appointed Public the suitable with
Accountant.
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Corporate Governance Implementation Report 2024
Hasil: the governing
1. Menunjuk kembali Akuntan Publik Independen : regulations.
Akuntan Publik : Budiadi Widjaja, SE CPA
Nama KAP : Leonard, Mulia & Richard
Nomor Izin Usaha : KEP-657/KM.17/1998
Alamat : Jl. Hayam Wuruk No. 3 W, Jakarta
10120
Golongan : Konvensional
yang akan mengaudit laporan keuangan Perseroan untuk tahun buku
yang berakhir pada tanggal 31 Desember 2024,
2. Memberikan wewenang kepada Direksi Perseroan untuk
menetapkan honorarium Akuntan Publik Independen yang ditunjuk
tersebut.
Result:
1. Reappointing Independent Public Accountants:
Public Accountant : Budiadi Widjaja, SE CPA
PAF Name : Leonard, Mulia & Richard
Business License Number : KEP-657/KM.17/1998
Address : Jl. Hayam Wuruk No. 3, Jakarta 10120
Group : Conventional
who would audit the Company's financial statements for the financial
year ended on December 31, 2024,
2. Giving the authorization to the Board of Directors of the Company to
determine the honorarium of the appointed Independent Public
Accountant.
Mata Acara IV: Telah Perseroan telah
Penetapan Remunerasi (Gaji dan Tunjangan Lainnya) serta Tantiem terealisasi menjalankan
Direksi dan Dewan Komisaris Has been sesuai dengan hasil
realized keputusan RUPS.
Agenda IV: The Company has
Determination of Remuneration (Salaries and Other Benefits) and fulfilled in
Bonuses of Directors and Board of Commissioners accordance with
Hasil: the results of the
1. Menetapkan budget honorarium seluruh Anggota Dewan Komisaris AGM decision.
sebesar Rp 258,797,390 per-bulan, pajak ditanggung oleh perusahaan
serta memberikan kuasa dan wewenang kepada Dewan Komisaris
Perseroan untuk menentukan besarnya Tantiem/Bonus dan
menetapkan pembagiannya bagi masing-masing anggota Dewan
Komisaris yang berlaku sampai dengan diputuskan lain dalam Rapat
Umum Pemegang Saham Tahunan berikutnya,
2. Memberikan wewenang dan kekuasaan kepada Dewan Komisaris
untuk dan atas nama rapat menetapkan gaji, tantiem/bonus dan
tunjangan lainnya bagi masing-masing anggota Direksi Perseroan
sampai dengan diputuskan lain dalam Rapat Umum Pemegang Saham
Tahunan berikutnya.
Results:
1. Determine the honorarium budget of all Board of Commissioners
members of IDR 258,797,390 each month, taxes are borne by the
company and provide power and authority to the Board of
Commissioners of the Company to determine the amount of bonus
and determine the distribution for each member of the Board of
Commissioners up to another decision at the next Annual General
Meeting of Shareholders,
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Corporate Governance Implementation Report 2024
2. Giving authority and power to the Board of Commissioners for and on
behalf of the meeting to determine salaries, bonuses and other
benefits for each member of the Company's Board of Directors up to
other decisions at the next Annual General Meeting of Shareholders.
Mata Acara V: Masih Perseroan akan
Persetujuan Pemberian Remunerasi yang Bersifat Variabel dalam melaksanakan
proses sesuai dengan
Agenda V: realisasi regulasi yang
Approval of Giving Variable Remuneration Still on mengatur
process The company will
Hasil: implement in
1. Menyetujui pembelian saham Perseroan sebagai bentuk pemberian accordance with
remunerasi yang bersifat variabel dalam bentuk saham sebanyak- applicable
banyaknya sebesar Rp 554,745,341,- dengan menunjuk 1 (satu) regulations.
anggota Bursa Efek untuk melakukan pembelian yang dimaksud dan
dilaksanakan selama periode 18 (delapan belas) bulan terhitung
sejak tanggal sejak tanggal 28 Mei 2024 sampai dengan 27
November 2025 dengan memperhatikan peraturan perundang-
undangan yang berlaku.
2. Menyetujui mengalihkan remunerasi yang bersifat variabel dalam
bentuk saham periode tahun 2020, 2021 dan 2022 yang telah
ditangguhkan kepada material risk taker
3. Memberikan kuasa dan wewenang dengan hak substitusi kepada
Direksi Perseroan untuk melakukan segala proses dan tindakan yang
diperlukan sehubungan dengan pelaksanaan pembelian saham
tersebut.
Result:
1. Approving the purchase of the Company's shares as a form of
variable remuneration in the form of shares of a maximum of IDR
554,745.341,- by appointing 1 (one) member of the Stock Exchange
to make the intended purchase and it is implemented for a period of
18 (eighteen) months from the date of May 28, 2024 until November
27, 2025 with due observance of the prevailing laws and regulations.
2. Approve the transfer of variable remuneration in the form of shares
for the 2020, 2021 and 2022 periods that have been deferred to
material risk takers.
3. Granting power and authority with substitution rights to the Board
of Directors of the Company to conduct all necessary processes and
actions related to the implementation of the share purchase.
Mata Acara VI: Telah
Penyampaian Rencana Bisnis Bank Perseroan Tahun 2024 dan Rencana terealisasi
Aksi Keuangan Berkelanjutan Perseroan oleh Direksi (dalam agenda ini Has been
tidak diambil keputusan) realized
Agenda VI:
Submission of the Bank's Business Plan for 2024 and the Company's
Sustainable Financial Action Plan by the Directors (in this agenda no
decision was made)
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Corporate Governance Implementation Report 2024
Informasi Rapat Umum Pemegang Saham Tahun 2023
Information General Meeting of Shareholders 2023
Status
Realisasi Keterangan
Mata Acara RUPST
Realization Description
Status
Mata Acara I: Telah Laporan keuangan
Persetujuan Laporan Tahunan Direksi dan Pengesahan Laporan terealisasi audited Perseroan
Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Has been Telah dilaporkan.
Desember 2022. realized
The Company's
Agenda I: audited financial
Approval of the Directors' Annual Report and Ratification of the statements have
Company's Financial Statements for the financial year ending on 31 been reported.
December 2022.
Hasil:
1. Menerima baik dan menyetujui Laporan Tahunan Direksi mengenai
keadaan dan jalannya Perseroan selama tahun buku 2022, serta
Laporan Pengawasan Dewan Komisaris untuk tahun buku 2022,
2. Menerima dan mengesahkan Laporan Keuangan tahun buku 2022
yang termasuk didalamnya Neraca dan Perhitungan Laba Rugi yang
telah di Audit oleh Kantor Akuntan Publik Paul Hadiwinata, Hidajat,
Arsono, Retno, Palilingan dan Rekan yang beralamat di Jl. M.H.
Thamrin Lot 8-10, Jakarta sebagaimana dalam laporan nomor
00526/2.1133/AU.1/07/1244-2/1/III/2023 tanggal 29 Maret 2023,
3. Memberikan pelunasan dan pembebasan tanggung jawab
sepenuhnya kepada Direksi dan Dewan Komisaris atas pengurusan
dan pengawasan yang telah dijalankan selama tahun buku 2022
sepanjang tindakan-tindakan tersebut tercermin dalam laporan
keuangan.
Result:
1. Accepting and approving the Annual Report of the Board of Directors
regarding the condition and operation of the Company during the
2022 financial year, and the Supervisory Report of the Board of
Commissioners for the 2022 financial year,
2. Accepting and approving the 2022 Financial Statements which
include the Balance Sheet and Profit and Loss Calculation which has
been audited by the Public Accounting Firm Paul Hadiwinata,
Hidajat, Arsono, Retno, Palilingan and Partners, which are located at
Jl. MH Thamrin Lot 8-10, Jakarta as stated in the report number
00526/2.1133/AU.1/07/1244-2/1/III/2023 tanggal 29 March 2023,
3. Giving full repayment and discharge of responsibility to the Board of
Directors and the Board of Commissioners for the management and
supervision that has been done during the financial year 2022 as long
as these actions are reflected in the financial statements.
Mata Acara II: Telah Telah
Penetapan penggunaan laba Perseroan untuk tahun buku yang terealisasi diimplementasikan
berakhir pada tanggal 31 Desember 2022. Has been Has been
realized implemented
Agenda II:
Determination of the use of the Company's profits for the financial year
ending on December 31, 2022.
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Laporan Pelaksanaan Tata Kelola Tahun 2024
Corporate Governance Implementation Report 2024
Hasil:
1. Menyetujui pembagian dividen kepada Pemegang Saham sebesar
Rp138,007,647,776,- (seratus tiga puluh delapan miliar tujuh juta
enam ratus empat puluh tujuh ribu tujuh ratus tujuh puluh enam
rupiah) atau sebesar Rp 34,27 (tiga puluh empat koma dua puluh
tujuh rupiah) per lembar saham.
Dividen dibagikan kepada Pemegang Saham sebanyak 4,027,068,800
(empat miliar dua puluh tujuh juta enam puluh delapan ribu delapan
ratus) lembar saham setelah dikurangi dengan saham treasuri yang
dimiliki Perseroan sebesar 63,021,200 (enam puluh tiga juta dua
puluh satu ribu dua ratus) lembar saham.
2. Memberikan kuasa dan wewenang kepada Direksi Perseroan untuk
mengatur tata cara dan pelaksanaan pembayaran dividen tunai serta
mengumumkannya sesuai dengan ketentuan yang berlaku,
3. Sisa laba Perseroan akan digunakan untuk memperkuat rasio modal,
pengembangan teknologi digital untuk peningkatan pelayanan
kepada nasabah, memperkuat sistem dan memperluas operasional
Perbankan dan peningkatan Sumber Daya Manusia.
Results:
1. Approved the distribution of dividends to Shareholders amounting to
IDR 138,007,647,776 (one hundred thirty-eight billion seven million
six hundred forty-seven thousand seven hundred seventy-six rupiah)
or IDR 34.27 (thirty-four point twenty-seven rupiah) per share.
Dividends were distributed to Shareholders totaling 4,027,068,800
(four billion twenty-seven million sixty-eight thousand eight hundred)
shares after deducting treasury shares owned by the Company
amounting to 63,021,200 (sixty-three million twenty-one thousand
two hundred) shares.
2. Granting power and authority to the Board of Directors of the
Company to regulate the procedures and implementation of cash
dividend payments and announce it suitable with applicable
regulations,
3. The remaining profits of the Company will be used to strengthen the
capital ratio, develop digital technology to improve services to
customers, strengthen systems and expand banking operations and
improve Human Resources.
Mata Acara III: Telah Laporan
Pemberian wewenang kepada Dewan Komisaris Perseroan untuk terealisasi penunjukan
menunjuk Akuntan Publik Independen untuk mengaudit laporan Has been Akuntan Publik
keuangan Perseroan untuk tahun buku yang berakhir tanggal 31 realized Independen telah
Desember 2023 serta pemberian wewenang kepada Direksi Perseroan dilaporkan sesuai
untuk menetapkan honorarium Akuntan Publik yang akan ditunjuk dengan regulasi
tersebut. yang mengatur.
Agenda III: The report on the
Giving the authorization to the Board of Commissioners of the Company appointment of an
to appoint an Independent Public Accountant to audit the financial Independent Public
statements of the Company for the financial year ended December 31, Accountant has
2023 and giving the authorization to the Board of Directors of the been reported to
Company to determine the honorarium for the appointed Public the suitable with
Accountant.
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Hasil: the governing
1. Menunjuk Akuntan Publik Independen: regulations.
Akuntan Publik : Budiadi Widjaja, SE, CPA
Nama KAP : Leonard, Mulia & Richard
Nomor Izin Usaha : KEP-657/KM.17/1998
Alamat : Jl. Hayam Wuruk No. 3 W, Jakarta 10120
Golongan : Konvensional
yang akan mengaudit laporan keuangan Perseroan untuk tahun buku
yang berakhir pada tanggal 31 Desember 2023,
2. Memberikan wewenang kepada Direksi Perseroan untuk
menetapkan honorarium Akuntan Publik Independen yang ditunjuk
tersebut.
Results:
1. Appointing Independent Public Accountants:
Public Accountant : Budiadi Widjaja, SE, CPA
PAF Name : Leonard, Mulia & Richard
License Number : KEP-657/KM.17/1998
Address : Jl. Hayam Wuruk No. 3 W, Jakarta 10120
Group : Conventional
who would audit the Company's financial statements for the financial
year ended on December 31, 2023,
2. Giving the authorization to the Board of Directors of the Company to
determine the honorarium of the appointed Independent Public
Accountant.
Mata Acara IV: Telah Perseroan telah
Penetapan Remunerasi (Gaji dan Tunjangan Lainnya) serta Tantiem terealisasi menjalankan
Direksi dan Dewan Komisaris. Has been sesuai dengan hasil
realized keputusan RUPS.
Agenda IV: The Company has
Determination of Remuneration (Salaries and Other Benefits) and fulfilled in
Bonuses of Directors and Board of Commissioners. accordance with
the results of the
Hasil: AGMS decision.
1. Menetapkan budget honorarium seluruh Anggota Dewan Komisaris
sebesar Rp246,473,700 per-bulan, pajak ditanggung oleh
perusahaan serta memberikan kuasa dan wewenang kepada Dewan
Komisaris Perseroan untuk menentukan besarnya Tantiem/Bonus
dan menetapkan pembagiannya bagi masing-masing anggota Dewan
Komisaris yang berlaku sampai dengan diputuskan lain dalam Rapat
Umum Pemegang Saham Tahunan berikutnya,
2. Memberikan wewenang dan kekuasaan kepada Dewan Komisaris
untuk dan atas nama rapat menetapkan gaji, tantiem/bonus dan
tunjangan lainnya bagi masing-masing anggota Direksi Perseroan
sampai dengan diputuskan lain dalam Rapat Umum Pemegang
Saham Tahunan berikutnya.
Results:
1. Determine the honorarium budget of all Board of Commissioners
members of IDR 246.473.700 each month, taxes are borne by the
company and provide power and authority to the Board of
Commissioners of the Company to determine the amount of bonus
and determine the distribution for each member of the Board of
Commissioners up to another decision at the next Annual General
Meeting of Shareholders,
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2. Giving authority and power to the Board of Commissioners for and
on behalf of the meeting to determine salaries, bonuses and other
benefits for each member of the Company's Board of Directors up to
other decisions at the next Annual General Meeting of Shareholders.
Mata Acara V: Masih Perseroan akan
Persetujuan Pemberian Remunerasi yang Bersifat Variabel dalam melaksanakan
proses sesuai dengan
Agenda V: realisasi regulasi yang
Approval of Giving Variable Remuneration Still on mengatur.
process The company will
Hasil: implement in
1. Menyetujui pembelian saham Perseroan sebagai bentuk pemberian accordance with
remunerasi yang bersifat variabel dalam bentuk saham sebanyak- applicable
banyaknya sebesar Rp962,698,182,- dengan menunjuk 1 (satu) regulations.
anggota Bursa Efek untuk melakukan pembelian yang dimaksud dan
dilaksanakan selama periode 18 (delapan belas) bulan terhitung
sejak tanggal sejak tanggal 08 Juni 2023 sampai dengan 07 Desember
2024 dengan memperhatikan peraturan perundang-undangan yang
berlaku.
2. Menyetujui mengalihkan remunerasi yang bersifat variabel dalam
bentuk saham periode tahun 2019, 2020 dan 2021 yang telah
ditangguhkan kepada material risk taker.
3. Memberikan kuasa dan wewenang dengan hak substitusi kepada
Direksi Perseroan untuk melakukan segala proses dan tindakan yang
diperlukan sehubungan dengan pelaksanaan pembelian saham
tersebut.
Results:
1. Approve the purchase of the Company's shares as a form of variable
remuneration in the form of shares amounting to a maximum of IDR
962,698,182, - by appointing 1 (one) member of the Stock Exchange
to make the intended purchase and carried out over a period of 18
(eighteen) months starting from June 08, 2023 to December 07, 2024
with due observance of applicable laws and regulations.
2. Approve the transfer of variable remuneration in the form of shares
for the 2019, 2020 and 2021 periods that have been deferred to
material risk takers.
3. Granting power and authority with substitution rights to the Board
of Directors of the Company to conduct all necessary processes and
actions related to the implementation of the share purchase.
Mata Acara VI: Telah
Penyampaian Rencana Bisnis Bank Perseroan Tahun 2023 dan Rencana terealisasi
Aksi Keuangan Berkelanjutan Perseroan oleh Direksi (dalam agenda ini Has been
tidak diambil keputusan). realized
Agenda VI:
Submission of the Bank's Business Plan for 2023 and the Company's
Sustainable Finance Action Plan by the Board of Directors (no decision
was made in this agenda).
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2. Direksi 2. Board of Directors
Keanggotaan Membership
Komposisi keanggotaan Direksi Bank Mestika The composition of the Board of Directors of Bank
terdiri dari 5 (lima) orang, yakni 1 (satu) orang Mestika consists of 5 (five) persons, namely 1 (one)
Presiden Direktur, 1 (satu) orang Wakil Presiden President Director, 1 (one) Vice President Director,
Direktur, 1 (satu) orang Direktur Kepatuhan, 1 1 (one) Compliance Director, 1 (one) Operations
(satu) orang Direktur Operasional dan 1 (satu) Director and 1 (one) General Affair Director. The
orang Direktur Umum. Presiden Direktur Bank Bank's President Director is an independent party
merupakan pihak yang independen dari ultimate from the Bank's ultimate shareholder. Each
shareholder Bank. Masing-masing anggota Direksi member of the Board of Directors has integrity,
memiliki integritas, kompetensi dan reputasi yang competence and good reputation. All members of
baik. Seluruh anggota Direksi Bank telah Lulus the Bank's Board of Directors have passed the Fit
dalam Penilaian Kemampuan dan Kepatutan (Fit and Proper Test and all members of the Bank's
and Proper Test) dan semua anggota Direksi Bank Board of Directors are domiciled in Indonesia.
berdomisili di Indonesia.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the BoD
Direksi bertanggung jawab penuh atas The BoD is fully responsible for the management
pengurusan Perseroan untuk kepentingan dan of the Company for the interests and objectives of
tujuan Perseroan serta mewakili Perseroan baik di the Company and represents the Company both
dalam maupun di luar pengadilan. Tugas dan inside and outside the court. The duties and
tanggung jawab Direksi ditetapkan melalui Surat responsibilities of the BoD are stipulated through
Keputusan Internal Bank nomor 058/SK- the Bank's Internal Decree number 058/SK-
BMD/DIR/2024 tentang Pedoman dan Tata Tertib BMD/DIR/2024 concerning the BoD Charter. The
Kerja Direksi. Adapun rincian Tugas dan Tanggung details of the duties and responsibilities of the
jawab Direksi, antara lain: BoD, among other things:
Tugas dan Wewenang Direksi yang bersifat General duties and authorities of the BoD, namely:
umum, yakni:
Direksi bertugas menjalankan dan The BoD is in charge of running and responsible
bertanggung jawab atas pengurusan for the management of the Company for the
Perusahaan untuk kepentingan Perusahaan benefit of the Company in accordance with the
sesuai dengan maksud dan tujuan Perusahaan purposes and objectives of the Company as
yang ditetapkan dalam ketentuan peraturan stipulated in the provisions of laws and
perundang-undangan, anggaran dasar, dan regulations, articles of association, and
Keputusan RUPS. resolutions of the GMS.
Direksi wajib melaksanakan tugas, wewenang, The BoD must carry out their duties, authorities
dan tanggung jawab dengan itikad baik dan and responsibilities in good faith and with the
dengan prinsip kehati-hatian. principle of prudence.
Direksi berwenang mewakili Perusahaan The BoD is authorized to represent the
sesuai dengan ketentuan peraturan Company in accordance with the provisions of
perundang-undangan, anggaran dasar, dan laws and regulations, articles of association,
Keputusan RUPS. and resolutions of the GMS.
Direksi menerapkan tata Kelola yang baik pada The BoD shall implement good corporate
Perusahaan, manajemen risiko, kepatuhan governance, risk management, compliance in
secara terintegrasi yang disesuaikan dengan an integrated manner that is adapted to the
perkembangan ekosistem perbankan terkini latest developments in the banking ecosystem
serta didukung dengan digitalisasi dan inovasi and supported by digitalization and
teknologi. technological innovation.
Dalam menerapkan tata Kelola yang baik pada In implementing good corporate governance in
Perusahaan, Direksi paling sedikit wajib the Company, the BoD shall at least establish:
membentuk:
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Satuan Kerja Audit Internal Internal Audit Unit
Satuan Kerja Manajemen Risiko Risk Management Unit
Satuan Kerja Kepatuhan Compliance Work Unit
Satuan Kerja lain yang diwajibkan sesuai Other working units required in accordance
dengan Peraturan Otoritas Jasa Keuangan. with the Financial Services Authority
Regulation.
Untuk membantu dalam pelaksanaan tugas To assist in the execution of duties and
dan tanggung jawab, Direksi dapat responsibilities, the BoD may form committees
membentuk komite Direksi. of the BoD.
Direksi wajib melakukan evaluasi terhadap The BoD shall evaluate the performance of the
kinerja komite setiap akhir tahun buku. committees at the end of each financial year.
Direksi wajib menindaklanjuti temuan audit The BoD must follow up on audit or
atau pemeriksaan sesuai rekomendasi dari examination findings in accordance with
Satuan Kerja Audit Intern Perusahaan, Auditor recommendations from the Company's Internal
Ekstern, hasil pengawasan Otoritas Jasa Audit Unit, External Auditor, supervisory results
Keuangan, dan/atau hasil pengawasan otoritas of the Financial Services Authority, and/or
dan lembaga lain. supervisory results of other authorities and
institutions.
Direksi wajib mengungkapkan kepada pegawai The BoD must disclose to employees regarding
mengenai kebijakan internal Perusahaan yang the Company's internal policies that are
bersifat strategis di bidang kepegawaian. strategic in the field of employment.
Direksi wajib mempertanggungjawabkan The BoD shall be accountable for the
pelaksanaan tugas kepada pemegang saham implementation of its duties to the
melalui RUPS. Direksi wajib menyelenggarakan shareholders through the GMS. The Board of
RUPS tahunan dan RUPS lainnya sebagaimana Directors shall hold annual GMS and other GMS
diatur dalam peraturan perundang-undangan as stipulated in the laws and regulations and
dan anggaran dasar. articles of association.
Dalam pengelolaan data dan informasi terkait In managing data and information related to
Perusahaan, Direksi wajib: the Company, the Directors shall:
o Memiliki dan menyediakan data dan o Having and providing accurate, relevant and
informasi yang akurat, relevan, dan tepat timely data and information, including to
waktu, termasuk kepada Dewan Komisaris; the BoC; and
dan
o Melaksanakan pengelolaan data dan o Carry out data and information
informasi sesuai dengan Tata Kelola yang management in accordance with Good
baik pada Perusahaan dan ketentuan Governance in the Company and statutory
perundang-undangan. provisions.
Keputusan Direksi yang diambil sesuai dengan Decisions of the BoD made in accordance with
pedoman dan tata tertib kerja mengikat dan the guidelines and work rules are binding and
menjadi tanggung jawab seluruh anggota the responsibility of all members of the BoD.
Direksi.
Setiap anggota Direksi bertanggung jawab Each member of the BoD shall be jointly and
secara tanggung renteng atas kerugian severally liable for the Company's losses caused
Perusahaan yang disebabkan oleh kesalahan by the error or negligence of the member of the
atau kelalaian anggota Direksi dalam BoD in carrying out his/her duties.
menjalankan tugasnya.
Anggota direksi tidak dapat dimintakan Members of the Board of Directors cannot be
pertanggungjawab atas kerugian Perusahaan held liable for the Company's losses if they can
apabila dapat membuktikan: prove:
o Kerugian tersebut bukan karena kesalahan o The loss is not due to his/her fault or
atau kelalaiannya; negligence;
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o Telah melakukan pengurusan dengan itikad o Has carried out management in good faith;
baik;
o Penuh tanggung jawab, dan kehati-hatian o Full responsibility, and prudence for the
untuk kepentingan dan sesuai dengan interests and in accordance with the
maksud dan tujuan Perusahaan; purposes and objectives of the Company;
o Tidak mempunyai benturan kepentingan o Has no conflict of interest either directly or
baik langsung maupun tidak langsung atas indirectly over the management actions that
tindakan pengurusan yang mengakibatkan resulted in the loss; and
kerugian; dan
o Telah mengambil tindakan untuk mencegah o Have taken measures to prevent the
timbul atau berlanjutnya kerugian tersebut. incidence or continuation of such losses.
Direksi berwenang menjalankan pengurusan The BoD is authorized to carry out management
sesuai dengan kebijakan yang dipandang tepat, in accordance with policies deemed
sesuai dengan maksud dan tujuan yang appropriate, in accordance with the purposes
ditetapkan dalam anggaran dasar. and objectives set out in the articles of
association:
Direksi berwenang mewakili Perusahaan di The BoD is authorized to represent the
dalam dan di luar pengadilan. Company in and out of court.
Anggota Direksi tidak berwenang mewakili Members of the BoD are not authorized to
Perusahaan apabila: represent the Company if:
o Terdapat perkara di pengadilan antara o There is a case in court between the
Perusahaan dengan anggota Direksi yang Company and the member of the BoD
bersangkutan; dan, concerned; and,
o Anggota Direksi yang bersangkutan o The member of the BoD concerned has
mempunyai kepentingan yang berbenturan interests that conflict with the interests of
dengan kepentingan Perusahaan. the Company.
Dalam hal terdapat keadaan Direksi tidak In the event that member of BoD are not
berwenang mewakili Perusahaan, maka yang authorized to represent the company, the
berhak mewakili Perusahaan adalah: person entitled to represent the Company is:
o Anggota Direksi lainnya yang tidak o Other members of the BoD who have no
mempunyai benturan kepentingan dengan conflict of interest with the Company;
Perusahaan;
o Dewan Komisaris dalam hal seluruh anggota o The BoC in the event that all members of the
Direksi mempunyai benturan kepentingan BoD have a conflict of interest with the
dengan Perusahaan; atau Company; or
o Pihak lain yang ditunjuk oleh RUPS dalam o Other parties appointed by the GMS in the
hal seluruh anggota Direksi atau Dewan event that all members of the BoD or the
Komisaris mempunyai benturan BoC have a conflict of interest with the
kepentingan dengan Perusahaan. Company.
Dalam penerapan manajemen risiko, yakni: In the implementation of risk management,
namely:
Menyusun kebijakan dan strategi manajemen Develop risk management policies and
risiko. strategies.
Bertanggung jawab atas pelaksanaan Responsible for the implementation of risk
kebijakan manajemen risiko dan eksposur management policies and risk exposures taken.
risiko yang diambil.
Mengevaluasi dan memutuskan transaksi yang Evaluate and decide on transactions that
membutuhkan persetujuan Direksi. require the approval of the BoD.
Mengembangkan budaya manajemen risiko. Developing a risk management culture.
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Memastikan peningkatan kompetensi sumber Ensuring the improvement of human resource
daya manusia terkait manajemen risiko. competencies related to risk management.
Memastikan fungsi manajemen risiko telah Ensure that the risk management function
beroperasi secara independen. operates independently.
Kaji ulang secara berkala untuk memastikan Periodic review to ensure the accuracy of risk
keakuratan metode risiko, kecukupan methods, adequacy of management
implementasi sistem informasi manajemen information system implementation and
serta ketepatan kebijakan, prosedur dan accuracy of policies, procedures and risk limit
penetapan limit risiko. setting.
Memastikan para pejabat eksekutif dan Ensure that the Bank's executives and
karyawan Bank memahami dan employees understand and implement risk
mengimplementasikan manajemen risiko management along with their
berserta wewenang/tanggung jawab/budaya authority/responsibility/risk culture through
risiko melalui berbagai media yang tersedia. various available media.
Setiap anggota Direksi harus memiliki Each member of the BoD must have an
pemahaman yang memadai mengenai risiko adequate understanding of the risks inherent in
yang melekat pada seluruh aktivitas fungsional all functional activities of the Bank and be able
Bank dan mampu mengambil tindakan yang to take the necessary actions in accordance
diperlukan sesuai dengan profil risiko Bank. with the Bank's risk profile.
Direksi wajib memastikan penerapan The BoD shall ensure that the implementation
manajemen risiko telah mencakup country risk of risk management covers country risk and
dan transfer risk, paling sedikit mencakup: transfer risk, at least including:
o Menyusun dan menetapkan strategi dalam o Develop and establish strategies in
mengelola country risk dan transfer risk managing country risk and transfer risk in
sesuai dengan karakteristik dan accordance with the characteristics and
kompleksitas Perusahaan. complexity of the Company.
o Menetapkan limit risiko dan memantau o Setting risk limits and monitoring
kepatuhan terhadap limit eksposur country compliance with country risk and transfer
risk dan transfer risk. risk exposure limits.
o Menyusun, menetapkan, dan memastikan o Develop, establish, and ensure the
penerapan kebijakan dan prosedur untuk implementation of policies and procedures
mengidentifikasi, mengukur, memantau to identify, measure, monitor and control
dan mengendalikan risiko yang terkait risks associated with country risk and
dengan country risk dan transfer risk dalam transfer risk in the Company's business
kegiatan usaha Perusahaan. activities.
o Melakukan pemantauan terhadap o Monitor the development of country risk and
perkembangan country risk dan transfer transfer risk, and establish adequate follow-
risk, serta menetapkan tindak lanjut yang up.
memadai.
o Melakukan pengendalian risiko kredit o Perform credit risk control on country risk
terhadap eksposur country risk dan transfer and transfer risk exposures for each country,
risk untuk masing-masing negara, yang which includes intragroup exposures,
mencakup eksposur intragroup, eksposur exposures based on specific regions,
berdasarkan regional tertentu, eksposur exposures based on individuals, and
berdasarkan individu, dan eksposur exposures based on counterparties.
berdasarkan pihak lawan transaksi.
o Memiliki dan mengembangkan sistem o Establish and develop a management
informasi manajemen untuk country risk information system for country risk and
dan transfer risk yang mampu menyediakan transfer risk that is able to provide accurate,
data secara akurat, lengkap, informatif, complete, informative, timely, and reliable
tepat waktu, dan dapat diandalkan data so as to provide adequate reports.
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sehingga dapat menyediakan laporan yang
memadai.
o Melakukan evaluasi dan pengujian (stress o Conduct periodic evaluation and testing
testing) secara berkala paling sedikit 1 (stress testing) at least 1 (one) time a year or
(satu) kali dalam setahun atau berdasarkan based on certain conditions that will
kondisi tertentu yang akan berpengaruh significantly affect the Company.
signifikan kepada Perusahaan.
o Memastikan pengendalian internal dan kaji o Ensure adequate internal control and review
ulang yang memadai atas country risk dan of country risk and transfer risk.
transfer risk.
o Direksi wajib Menyusun dan o The BoD shall compile and submit the results
menyampaikan hasil identifikasi, of identification, measurement, monitoring
pengukuran, pemantauan dan and control of country risk and transfer risk
pengendalian country risk dan transfer risk in the risk profile report.
dalam laporan profil risiko.
Dalam pengelolaan aset Bank, yakni: In managing the Bank's assets, namely:
Direksi wajib Menyusun kebijakan dan The BoD shall develop policies and procedures
prosedur untuk mengidentifikasi dan to identify and manage non-performing assets,
mengelola aset bermasalah, klasifikasi aset, asset classification, calculation of related
perhitungan terkait penyisihan dan allowances and reserves, and write-off of
pencadangan, dan hapus buku aset. assets.
Direksi wajib melakukan reviu secara berkala The BoD shall conduct periodic reviews of asset
atas pengklasifikasian aset dan pencadangan classification and provisioning for non-
untuk kredit dan/atau pembiayaan performing loans and/or financing, and identify
bermasalah, serta mengidentifikasi dan and manage non-performing assets
mengelola aset bermasalah secara memadai, adequately, including provisioning in line with
termasuk pencadangan yang sejalan dengan the risks incurred.
risiko yang terjadi.
Direksi wajib melakukan reviu secara berkala The BoD shall periodically review the provision
terhadap pencadangan yang dibentuk agar established to be in line with the current
sesuai dengan kondisi terkini, sesuai dengan conditions, in accordance with the standards
standar dan ketentuan peraturan perundang- and provisions of laws and regulations.
undangan.
Direksi wajib menilai, memantau, dan The BoD shall assess, monitor, and take
mengambil langkah yang diperlukan untuk necessary steps to keep the Bank's assets in
menjaga aset Bank tetap dalam kualitas baik. good quality.
Bank wajib melakukan identifikasi dan The Bank shall identify and determine the
penetapan terhadap properti terbengkalai abandoned properties owned with prior
yang dimiliki dengan terlebih dahulu mendapat approval of the BoD and documented.
persetujuan Direksi serta didokumentasikan.
Bank wajib memiliki kebijakan dan prosedur The Bank must have written policies and
tertulis mengenai restrukturisasi kredit dan procedures regarding loan restructuring and
hapus buku yang wajib terlebih dahulu write-off which must be approved by the BoD.
mendapat persetujuan Direksi.
Direksi wajib melakukan pengawasan secara The BoD must actively supervise the
aktif terhadap pelaksanaan restrukturisasi implementation of loan restructuring and
kredit dan hapus buku. write-off.
Direksi wajib memberikan Keputusan The BoD must make a decision on credit
restrukturisasi kredit dalam rapat Direksi restructuring in the BoD meeting if the decision
apabila dalam Keputusan pemberian kredit
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terkait telah dilakukan oleh pihak yang to grant the related credit has been made by
memiliki kewenangan tertinggi. the party with the highest authority.
Dalam penerapan pengendalian intern bank, In the implementation of the Bank’s internal
yakni: controls, namely:
Melaksanakan kebijakan dan strategi yang Implementing policies and strategies that have
telah disetujui oleh dewan komisaris. been approved by the BoC.
Mengembangkan prosedur untuk Develop procedures to identify, measure,
mengidentifikasi, mengukur, memantau dan monitor and control the risks faced by the Bank.
mengendalikan risiko yang dihadapi Bank.
Memelihara struktur organisasi yang Maintaining an organizational structure that
mencerminkan kewenangan, tanggung jawab reflects clear authority, responsibility and
dan hubungan pelaporan yang jelas. reporting relationships.
Memastikan bahwa pendelegasian wewenang Ensure that delegation of authority is effective
berjalan secara efektif yang didukung oleh and supported by consistent application of
penerapan akuntabilitas yang konsisten. accountability.
Menetapkan kebijakan dan strategi serta Establish internal control policies and strategies
prosedur pengendalian intern. and procedures.
Memantau kecukupan dan efektivitas dari SPI. Monitor the adequacy and effectiveness of
Internal Control System.
Bertanggung jawab menciptakan dan Responsible for creating and maintaining an
memelihara sistem pengendalian intern yang effective internal control system and ensuring
efektif serta memastikan bahwa sistem that the system runs safely and soundly in
tersebut berjalan secara aman dan sehat accordance with the internal control objectives
sesuai dengan tujuan pengendalian intern yang set by the Company.
ditetapkan Perusahaan.
Menugaskan para manajer/pejabat dan staf Assign managers/officials and staff responsible
yang bertanggung jawab dalam kegiatan atau for certain activities or functions to develop
fungsi tertentu untuk Menyusun kebijakan dan internal control policies and procedures for
prosedur pengendalian intern terhadap operational activities and organizational
kegiatan operasional serta kecukupan adequacy.
organisasi.
Melakukan pengendalian yang efektif untuk Implement effective controls to ensure that
memastikan bahwa para manajer dan pegawai managers and employees have developed and
telah mengembangkan dan melaksanakan implemented established policies and
kebijakan dan prosedur yang telah ditetapkan. procedures.
Mendokumentasikan dan mensosialisasikan Documenting and socializing an organizational
struktur organisasi yang secara jelas structure that clearly delineates lines of
menggambarkan jalur kewenangan dan authority and reporting responsibilities as well
tanggung jawab pelaporan serta as organizing an effective communication
menyelenggarakan suatu sistem komunikasi system to all levels of the Bank's organization.
yang efektif kepada seluruh jenjang organisasi
Bank.
Mengambil langkah-langkah yang tepat untuk Take appropriate measures to ensure that
memastikan bahwa kegiatan fungsi internal control function activities are carried
pengendalian intern telah dilaksanakan oleh out by managers/officials and employees who
manajer/pejabat dan pegawai yang memiliki have adequate experience and capabilities.
pengalaman dan kemampuan yang memadai.
Melaksanakan secara efektif langkah Effectively implement corrective measures or
perbaikan atau rekomendasi dari auditor recommendations from internal auditors
intern dan/atau auditor ekstern, antara lain and/or external auditors, among others by
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dengan cara menugaskan pegawai yang assigning responsible employees to implement
bertanggung jawab untuk melaksanakannya. them.
Direksi harus menjadi role model bagi seluruh The BoD must be a role model for all employees
pegawai atau memiliki komitmen pribadi yang or have a high personal commitment to the
tinggi terhadap pengembangan Perusahaan development of a healthy Company.
yang sehat.
Memastikan sistem pengendalian intern yang Ensure that the internal control system carried
dilakukan telah mencakup: out has included:
o Kesesuaian antara sistem pengendalian o The suitability of the internal control system
intern dengan jenis dan Tingkat risiko yang with the type and level of risk inherent in the
melekat pada kegiatan usaha Perusahaan. Company's business activities.
o Penetapan wewenang dan tanggung jawab o Determination of authority and
untuk pemantauan kepatuhan kebijakan, responsibility for monitoring compliance
prosedur dan limit. with policies, procedures and limits.
o Penetapan jalur pelaporan dan pemisahan o Establishment of reporting lines and clear
fungsi yang jelas dari satuan kerja separation of functions from operational
operasional kepada satuan kerja yang work units to work units that perform
melakukan fungsi pengendalian. control functions.
o Struktur organisasi yang menggambarkan o Organizational structure that clearly
secara jelas tugas dan tanggung jawab describes the duties and responsibilities of
masing-masing unit dan individu. each unit and individual.
o Pelaporan keuangan dan kegiatan o Accurate and timely reporting of financial
operasional yang akurat dan tepat waktu. and operational activities.
o Kecukupan prosedur untuk memastikan o Adequate procedures to ensure the
kepatuhan perusahaan terhadap company's compliance with applicable laws
kententuan dan peraturan perundang- and regulations.
undangan yang berlaku.
o Kaji ulang yang efektif, independen dan o Effective, independent and objective review
objektif terhadap kebijakan, kerangka dan of the Company's operational policies,
prosedur operasional Perusahaan. frameworks and procedures.
o Pengujian dan kaji ulang yang memadai o Adequate testing and review of
terhadap sistem informasi manajemen. management information systems.
o Dokumentasi secara lengkap dan memadai o Complete and adequate documentation of
terhadap cakupan, prosedur-prosedur the scope, operational procedures, audit
operasional, temuan audit, serta tanggapan findings, and responses of the Company's
pengurus Perusahaan berdasarkan hasil management based on audit results.
audit.
o Verifikasi dan kaji ulang secara berkala dan o Periodic and continuous verification and
berkesinambungan terhadap penanganan review of the Company's handling of
kelemahan-kelemahan Perusahaan yang material weaknesses and the actions of the
bersifat material dan tindakan pengurus Company's management to correct
Perusahaan untuk memperbaiki deviations that occur.
penyimpangan-penyimpangan yang terjadi.
Dalam pelaksanaan fungsi audit intern, yakni: In the implementation of the internal audit
function, namely:
Mengembangkan kerangka pengendalian Develop an internal control framework to
intern untuk mengidentifikasi, mengukur, identify, measure, monitor and control all risks
memantau dan mengendalikan semua risiko faced by the Company.
yang dihadapi Perusahaan.
Memastikan SKAI memperoleh informasi Ensure Internal Audit obtains information
terkait perkembangan yang terjadi, inisiatif, related to developments, initiatives, projects,
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proyek, produk, dan perubahan operasional products, and operational changes as well as
serta risiko yang telah diidentifikasi dan risks that have been identified and anticipated.
diantisipasi.
Memastikan telah dilakukan tindakan Ensure appropriate corrective actions are taken
perbaikan yang tepat dalam waktu yang cepat in a timely manner on all SKAI findings and
terhadap semua temuan dan rekomendasi recommendations.
SKAI.
Memastikan kepala SKAI memiliki sumber daya Ensure the head of SKAI has the necessary
serta anggaran yang diperlukan untuk resources and budget to carry out duties and
menjalankan tugas dan fungsi sesuai dengan functions in accordance with the annual audit
rencana audit tahunan. plan.
Dalam pelaksanaan pengaduan nasabah dan In the implementation of customer complaints and
pelindungan konsumen Bank, yakni: consumer protection of the Bank, namely:
Direksi menetapkan prosedur tertulis layanan The BoD establishes a written grievance
pengaduan dan memastikan bahwa seluruh procedure and ensures that all Bank employees
pegawai Bank baik fungsi atau unit layanan in both the grievance service function or unit and
pengaduan dan yang berhubungan langsung those in direct contact with consumers are
dengan konsumen mengetahui tentang aware of the grievance procedure and can
prosedur layanan pengaduan dan dapat provide correct information about the brief
memberikan informasi yang benar tentang grievance service procedure to consumers.
prosedur singkat layanan pengaduan kepada
konsumen.
Direksi menetapkan tugas dan kewenangan The BoD determines the duties and authority of
fungsi atau unit layanan pengaduan nasabah. the customer complaint service function or unit.
Kewenangan tersebut harus dapat menjamin The authority must be able to ensure the
terselesaikannya pengaduan secara efektif effective resolution of complaints within the
dalam jangka waktu yang ditetapkan. specified timeframe.
Direksi bertanggung jawab langsung terhadap The BoD is directly responsible for the
pelaksanaan fungsi atau unit layanan implementation of the customer complaint
pengaduan nasabah di kantor pusat. service function or unit at the head office.
Direksi bertanggung jawab terhadap isi laporan The BoD is responsible for the content of the
layanan pengaduan kepada Otoritas Jasa complaint service report to the Financial Services
Keuangan serta memastikan penyampaian Authority and ensures the submission of the
laporan Layanan Pengaduan kepada Otoritas Complaint Service report to the Financial
Jasa Keuangan. Services Authority.
Direksi wajib bertanggung jawab atas The BoD shall be responsible for compliance with
kepatuhan pelaksanaan ketentuan regulator the implementation of regulatory provisions on
tentang Perlindungan konsumen dan consumer and Community Protection.
Masyarakat.
Direksi melakukan pengawasan mengenai The BoD shall supervise the implementation of
implementasi perlindungan konsumen dan consumer and community protection,
Masyarakat, perbaikan dan pengembangan improvement and development of consumer and
perlindungan konsumen dan Masyarakat. community protection.
Dalam penerapan strategi anti-fraud, yakni: In the implementation of anti-fraud strategy,
namely:
Pengembangan kepedulian dan budaya anti- Development of anti-fraud awareness and
fraud pada seluruh jajaran organisasi, antara culture at all levels of the organization,
lain meliputi deklarasi anti-fraud dan including, among others, anti-fraud declarations
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komunikasi yang memadai tentang perilaku and adequate communication about behaviors
yang termasuk fraud. that include fraud
Penandatanganan pakta integritas dengan Signing an integrity pact with at least:
cakupan paling sedikit:
o Senantiasa mematuhi hukum dan o Always comply with the law and the
ketentuan peraturan perundang-undangan. provisions of laws and regulations.
o Bertindak objektif, berpegang teguh pada o Act objectively, adhere to ethical and moral
nilai etika dan moral, adil, transparan, values, be fair, transparent, consistent, and
konsisten, serta menjunjung tinggi uphold honesty and commitment.
kejujuran dan komitmen.
o Berperan aktif dalam upaya pencegahan o Actively participate in efforts to prevent and
dan pemberantasan Fraud serta bersedia eradicate fraud and be willing to report in the
melakukan pelaporan dalam hal terjadi event of fraud within the Bank.
tindakan Fraud di lingkungan Bank.
o Menciptakan lingkungan kerja yang bebas o Creating a work environment that is free from
dari korupsi, kolusi, dan nepotisme (KKN). corruption, collusion, and nepotism.
Penyusunan penerapan kode etik terkait Preparation of the implementation of a code of
dengan pencegahan fraud bagi seluruh jajaran ethics related to fraud prevention for all levels
organisasi. of the organization.
Penyusunan penerapan strategi anti-fraud Preparation of the implementation of a
secara menyeluruh. comprehensive anti-fraud strategy.
Pengembangan kualitas sumber daya manusia, Development of the quality of human
khususnya yang terkait dengan peningkatan resources, especially those related to increasing
kesadaran dan pengendalian fraud. awareness and controlling fraud.
Pemantauan dan evaluasi atas kejadian fraud Monitoring and evaluation of fraud incidents
serta penetapan tindak lanjut. and determination of followup action.
Pengembangan saluran komunikasi yang Development of effective communication
efektif di intern dan bagi ekstern Bank agar channels within and external to the Bank so
seluruh pejabat dan pegawai Bank memahami that all officers and employees of the Bank
dan mematuhi kebijakan dan prosedur yang understand and comply with applicable policies
berlaku, termasuk kebijakan dan prosedur and procedures, including policies and
untuk pengendalian fraud. procedures for fraud control.
Dalam penerapan manajemen risiko teknologi In the implementation of information technology
informasi, yakni: risk management, namely:
Menetapkan rencana strategis teknologi Establish an information technology strategic
informasi. plan.
Menetapakan kebijakan, standar dan prosedur Establish policies, standards and procedures
terkait penyelenggaraan dan penggunaan related to the implementation and use of
teknologi informasi yang memadai dan adequate information technology and
mengomunikasikan secara efektif, baik kepada communicate them effectively, both to the
satuan kerja penyelenggara maupun pengguna organizing work unit and IT users.
TI.
Mengevaluasi tujuan strategis, mengarahkan Evaluate strategic objectives, direct the
pejabat eksekutif Perusahaan, dan memantau Company's executive officers, and monitor all IT
seluruh kegiatan penyelenggaraan TI untuk implementation activities to ensure:
memastikan: o Implementation of IT Governance in
o Penerapan tata Kelola TI sesuai dengan accordance with the needs and
kebutuhan dan karakteristik Perusahaan. characteristics of the Company.
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o Efektivitas dan efisiensi penyelenggaraan TI o The overall effectiveness and efficiency of IT
secara keseluruhan untuk memberikan implementation to provide optimal benefits
manfaat yang optimal bagi Perusahaan. for the Company.
o Penerapan proses manajemen risiko dalam o Effective implementation of risk
penyelenggaraan TI dilaksanakan secara management processes in IT
efektif. implementation.
o Tersedianya sumber daya yang memadai o Availability of adequate resources related to
terkait penyelenggaraan TI untuk IT implementation to support the Company's
mendukung bisnis Perusahaan secara business effectively and efficiently.
efektif dan efisien.
o Dukungan dan keterlibatan pemangku o Stakeholder support and involvement in the
kepentingan dalam penerapan tata Kelola implementation of IT Governance.
TI.
Memastikan bahwa Perusahaan memiliki Ensure that the Company has a written contract
kontrak tertulis yang mengatur peran, that regulates the roles, relationships,
hubungan, kewajiban dan tanggung jawab dari obligations and responsibilities of all parties to
semua pihak yang terikat kontrak tersebut, the contract, and has confidence that the
serta memiliki keyakinan bahwa kontrak contract is a legally enforceable agreement and
tersebut merupakan perjanjian yang protects the interests of the Bank, in the event
berkekuatan hukum dan melindungi that the Bank uses the services of other parties.
kepentingan Bank, dalam hal Bank
menggunakan jasa pihak lain.
Dalam penerapan manajemen risiko terkait In implementing risk management related to
keamanan siber, yakni: cybersecurity, namely:
Memiliki tanggung jawab penuh atas Having full responsibility for the
penerapan manajemen risiko terkait implementation of risk management related to
keamanan siber Perusahaan. the Company's cybersecurity.
Memastikan penerapan manajemen risiko Ensure that the implementation of risk
terkait keamanan siber telah memadai sesuai management related to cybersecurity is
dengan karakteristik, kompleksitas, dan profil adequate in accordance with the
risiko Bank. characteristics, complexity, and risk profile of
the Bank.
Memiliki pemahaman yang memadai Have an adequate understanding of the type
mengenai jenis dan tingkat risiko terkait and level of cybersecurity-related risks inherent
keamanan siber yang melekat pada to the Company.
Perusahaan.
Memastikan Bank memiliki SDM dan Ensure that the Bank has sufficient human
infrastruktur yang cukup untuk mendukung resources and infrastructure to support risk
manajemen risiko terkait keamanan siber management related to the Company's
Perusahaan. cybersecurity.
Mendukung terciptanya budaya manajemen Support the creation of a culture of risk
risiko terkait keamanan siber dengan management related to cybersecurity by giving
memberikan perhatian yang cukup terhadap sufficient attention to the implementation of
pelaksanaan manajemen risiko terkait risk management related to cybersecurity by all
keamanan siber oleh seluruh elemen elements of the Company's organization.
organisasi Perusahaan.
Menjadi contoh standar perilaku yang Become an example of behavioral standards
mengedepankan kesadaran (awareness) that promote awareness of cybersecurity-
terhadap risiko terkait keamanan siber bagi
pegawai dan seluruh elemen organisasi Bank.
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related risks for employees and all elements of
the Bank's organization.
Melakukan pengawasan secara aktif atas Actively supervise the implementation of risk
penerapan manajemen risiko terkait management related to cybersecurity.
keamanan siber.
Menyusun dan menetapkan kebijakan, strategi Develop and establish written and
dan kerangka manajemen risiko terkait comprehensive cybersecurity-related risk
keamanan siber secara tertulis dan management policies, strategies and
komprehensif termasuk limit risiko terkait frameworks including cybersecurity-related risk
keamanan siber dan melakukan pemantauan limits and monitor the implementation of
implementasi manajemen risiko terkait cybersecurity-related risk management by the
keamanan siber oleh Perusahaan. Company.
Menyusun, menetapkan dan menginikan Develop, establish and install procedures to
prosedur untuk mengidentifikasi, mengukur, identify, measure, monitor and control risks
memonitor dan mengendalikan risiko terkait related to cybersecurity.
keamanan siber.
Melaksanakan kebijakan strategi dan kerangka Implementing the strategic policy and risk
manajemen risiko terkait keamanan siber yang management framework related to
telah disetujui oleh Dewan Komisaris serta cybersecurity that has been approved by the
mengevaluasi dan memberikan arahan BoC and evaluating and providing direction
berdasarkan laporan yang disampaikan oleh based on reports submitted by the executive
satuan kerja pelaksana, satuan kerja work unit, risk management work unit,
manajemen risiko, satuan kerja kepatuhan dan compliance work unit and internal audit work
satuan kerja audit intern. unit.
Mengevaluasi dan/atau menginikan kebijakan, Evaluate and/or initiate cybersecurity-related
strategi, dan kerangka manajemen risiko policies, strategies, and risk management
terkait keamanan siber serta melakukan frameworks and internalize cybersecurity-
internalisasi kerangka manajemen risiko related risk management frameworks into
terkait keamanan siber ke dalam kebijakan dan business policies and procedures in all business
prosedur bisnis pada seluruh unit bisnis dan units and supporting activities.
aktivitas pendukung.
Menetapkan struktur organisasi, termasuk Establish an organizational structure, including
wewenang dan tanggung jawab yang jelas clear authority and responsibility at each level
pada setiap jenjang jabatan yang terkait of position related to the implementation of risk
dengan penerapan manajemen risiko terkait management related to cybersecurity.
keamanan siber.
Memastikan kecukupan dukungan sumber Ensure adequate resource support to manage
daya untuk mengelola dan mengendalikan and control cybersecurity-related risks.
risiko terkait keamanan siber.
Memastikan bahwa seluruh pegawai dengan Ensure that all employees with roles and
peran dan tanggung jawab terkait keamanan responsibilities related to cybersecurity have
siber memiliki keterampilan, pengetahuan, adequate skills, knowledge, experience and
pengalaman dan sumber daya yang memadai resources to perform the required tasks
untuk melakukan tugas yang diperlukan secara effectively.
efektif.
Menugaskan pejabat yang memiliki Assign an officer with appropriate skills,
keterampilan, pengetahuan dan pengalaman knowledge and experience to be responsible for
yang sesuai untuk bertanggung jawab atas the Company's cybersecurity strategy and to
strategi keamanan siber Perusahaan serta lead the function in charge of implementing
memimpin fungsi yang bertugas menangani cybersecurity-related risk management within
the Company's organization.
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penerapan manajemen risiko terkait
keamanan siber dalam organisasi Perusahaan.
Memastikan bahwa pejabat yang ditunjuk Ensure that the designated officer can directly
dapat secara langsung melaporkan penerapan report the implementation and/or
dan/atau permasalahan terkait keamanan cybersecurity related issues to the Board of
siber kepada Direksi secara berkala, termasuk Directors on a regular basis, including any
setiap perubahan pada titik kerentanan Bank changes to the Bank's vulnerability points or
atau perubahan pada ancaman siber. changes to cyber threats.
Memastikan seluruh risiko terkait keamanan Ensure that all material cybersecurity-related
siber yang material dan dampak yang risks and the impact caused by these risks have
ditimbulkan oleh risiko dimaksud telah been followed up and submit accountability
ditindaklanjuti dan menyampaikan laporan reports to the BoC on a regular basis, including
pertanggungjawaban kepada Dewan Komisaris reports on developments and problems
secara berkala, antara lain memuat laporan regarding material cybersecurity-related risks
perkembangan dan permasalahan mengenai accompanied by corrective steps that have
risiko terkait keamanan siber yang material been/are/will be taken.
disertai dengan langkah perbaikan yang
telah/sedang/akan dilakukan.
Memastikan pelaksanaan langkah perbaikan Ensure the implementation of corrective
atas permasalahan atau penyimpangan terkait measures for problems or irregularities related
keamanan siber yang ditemukan. to cybersecurity that are found.
Memastikan bahwa fungsi manajemen risiko Ensuring that the risk management function
terkait keamanan siber telah diterapkan secara related to cybersecurity has been implemented
independent yang tercermin dari antara lain independently, which is reflected in, among
adanya pemisahan fungsi antara satuan kerja others, the separation of functions between the
pelaksana dengan satuan kerja yang berfungsi implementing work unit and the work unit that
untuk melakukan identifikasi, pengukuran, functions to identify, measure, monitor and
pemantauan dan pengendalian risiko terkait control risks related to cybersecurity.
keamanan siber.
Membentuk change advisory board yang Establishing a change advisory board whose
bertugas untuk meninjau seluruh perubahan task is to review all configuration changes
konfigurasi yang dilakukan dalam sistem made in the Company's system through a
Perusahaan melalui change management change management system that is reviewed
system yang dikaji ulang secara berkala serta periodically and provide recommendations to
memberikan rekomendasi kepada Direksi the BoD to approve the changes.
untuk menyetujui terkait perubahan
dimaksud.
Memastikan kaji ulang terhadap rencana Ensuring the review of the Company's cyber
penanggulangan dan pemulihan insiden siber incident mitigation and recovery plan is carried
Perusahaan dilaksanakan secara berkala. out periodically.
Direksi melakukan reviu atas hasil pengujian The BoD reviews the results of cybersecurity
keamanan siber yang disampaikan sebagai testing submitted as a basis for improving
landasan untuk perbaikan tata Kelola, governance, policies and procedures, internal
kebijakan dan prosedur, pengendalian intern, controls, as well as increasing the capacity and
serta peningkatan kapasitas dan kesadaran awareness of Company employees on cyber
pegawai Perusahaan terhadap ketahanan resilience.
siber.
Dalam Penerapan Anti Pencucian Uang, In the Implementation of Anti-Money Laundering,
Pencegahan Pendanaan Terorisme dan Prevention of Financing of Terrorism and
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Pencegahan Pendanaan Proliferasi Senjata Prevention of Financing of Weapons of Mass
Pemusnah Massal (APU PPT dan PPPSPM): Destruction Poliferation (AML CFT and PFPWMD):
Mengusulkan kebijakan dan prosedur tertulis Propose written policies and procedures
mengenai penerapan program APU, PPT, dan regarding the implementation of AML, CFT and
PPPSPM kepada Dewan Komisaris. PFPWMD to the BoC.
Memastikan penerapan program APU, PPT dan Ensure the implementation of AML, CFT and
PPPSPM dilaksanakan sesuai dengan kebijakan PFPWMD is carried out in accordance with the
dan prosedur tertulis yang telah ditetapkan. written policies and procedures that have been
Membentuk unit kerja khusus dan/atau determined.
menunjuk pejabat yang bertanggung jawab Establish a special work unit and/or appoint an
terhadap penerapan program APU, PPT dan official responsible for the implementation of
PPPSPM. AML, CFT and PFPWMD.
Melakukan pengawasan atau kepatuhan unit Conduct supervision or compliance of work
kerja dalam menerapkan program APU, PPT units in implementing AML, CFT and PFPWMD.
dan PPPSPM.
Memastikan bahwa kebijakan dan prosedur Ensure that written policies and procedures
tertulis mengenai penerapan program APU, regarding the implementation of AML, CFT and
PPT dan PPPSPM sejalan dengan perubahan PFPWMD are in line with changes and
dan pengembangan produk, jasa dan teknologi development of products, services and
di sektor jasa keuangan serta sesuai dengan technology in the financial services sector and
perkembangan modus TPPU, TPPT dan/atau in accordance with the development of ML, FT
PPPSPM. and/or FPWMD modes.
Memastikan pejabat dan/atau pegawai, Ensure that officials and/or employees,
khususnya pegawai dari satuan kerja terkait especially employees from related work units
dan pegawai baru, telah mengikuti pelatihan and new employees, have attended training
yang berkaitan dengan penerapan program related to the implementation of AML, CFT and
APU, PPT dan PPPSPM sebanyak 1 (satu) kali PFPWMD once a year.
dalam 1 (satu) tahun.
Memastikan adanya pembahasan terkait Ensure that there is a discussion related to the
penerapan program APU, PPT dan PPPSPM implementation of AML, CFT and PFPWMD in
dalam rapat direksi. the BoD meeting.
Dalam Peningkatan Literasi dan Inklusi di Sektor In Improving Literacy and Inclusion in the Financial
Jasa Keuangan Bagi Konsumen dan Masyarakat, Services Sector for Consumers and the Public,
yakni: namely:
Direksi wajib bertanggung jawab atas The BoD shall be responsible for compliance
kepatuhan pelaksanaan ketentuan Peraturan with the implementation of the provisions of
Otoritas Jasa Keuangan mengenai peningkatan the Financial Services Authority Regulation
Literasi dan Inklusi di Sektor Jasa Keuangan regarding the improvement of Literacy and
bagi konsumen dan Masyarakat. Inclusion in the Financial Services Sector for
consumers and the Community.
Memastikan kewajiban pelaksanaan kegiatan Ensure the obligation to implement activities to
untuk meningkatkan Literasi dan Inklusi improve Financial Literacy and Inclusion to
Keuangan kepada konsumen dan/atau consumers and/or the Public as an annual
Masyarakat sebagai program tahunan yaitu program, which must be carried out at least
wajib dilakukan paling sedikit 1 (satu) kali once half-yearly.
dalam 1 (satu) semester.
Memastikan pendokumentasian pelaksanaan Ensure documentation of the implementation
kegiatan peningkatan Literasi dan Inklusi of activities to improve Financial Literacy and
Keuangan di sektor jasa keuangan bagi Inclusion in the financial services sector for
konsumen dan Masyarakat. consumers and the public.
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Menerima laporan dari unit literasi dan inklusi Receive reports from the financial literacy and
keuangan mengenai implementasi kegiatan inclusion unit on the implementation of
dan memberikan rekomendasi untuk activities and provide recommendations for
perbaikan dan pengembangan kegiatan untuk improvement and development of activities to
meningkatan literasi dan inklusi keuangan. improve financial literacy and inclusion.
Direksi wajib memastikan adanya pedoman The BoD shall ensure the existence of written
tertulis mengenai kegiatan untuk guidelines on activities to improve financial
meningkatkan literasi dan inklusi keuangan. literacy and inclusion.
Direksi wajib memastikan penyusunan rencana The BoD shall ensure the preparation of activity
kegiatan untuk meningkatkan literasi dan plans to improve financial literacy and
inklusi keuangan. inclusion.
Direksi wajib memastikan penyusunan dan The BoD shall ensure the preparation and
penyampaian laporan literasi dan inklusi submission of financial literacy and inclusion
keuangan. Laporan tersebut menjadi bagian reports. The report shall be part of the business
dari rencana bisnis dan laporan realisasi plan and business plan realization report.
rencana bisnis.
Direksi wajib memastikan terpenuhinya The BoD shall ensure the fulfillment of
permintaan informasi dari Otoritas Jasa information requests from the Financial
Keuangan atas pelaksanaan kegiatan untuk Services Authority on the implementation of
meningkatkan literasi dan inklusi keuangan activities to improve financial literacy and
oleh Bank. inclusion by the Bank.
Dalam penerapan keuangan berkelanjutan, In the implementation of sustainable finance,
yakni: namely:
Direksi wajib memastikan penerapan The BoD shall ensure the application of
keuangan berkelanjutan dalam kegiatan sustainable finance in the FSI's business
usaha LJK, dengan menggunakan: activities, using:
o Prinsip investasi bertanggung jawab. o The principle of responsible investment.
o Prinsip strategi dan praktik bisnis o Principles of sustainable business
berkelanjutan. strategies and practices.
o Prinsip pengelolaan risiko sosial dan o Principles of social and environmental risk
lingkungan hidup. management.
o Prinsip tata Kelola. o Principles of governance.
o Prinsip komunikasi yang informatif. o Principles of informative communication.
o Prinsip inklusif. o Inclusive principle.
o Prinsip pengembangan sektor unggulan o Principles of priority leading sector
prioritas. development.
o Prinsip koordinasi. o Principle of coordination.
Rencana Aksi Keuangan Berkelanjutan wajib The Sustainable Finance Action Plan shall be
disusun oleh Direksi dan disetujui oleh Dewan prepared by the BoD and approved by the BoC
Komisaris serta disampaikan setiap tahun and submitted annually to the Financial
kepada Otoritas Jasa Keuangan. Services Authority.
Rencana Aksi Keuangan Berkelanjutan wajib The Sustainable Finance Action Plan shall be
disusun berdasarkan prioritas masing-masing prepared based on the priorities of each FSI, at
LJK paling sedikit: least:
o Pengembangan produk dan/atau jasa o Development of sustainable financial
keuangan berkelanjutan termasuk products and/or services including an
peningkatan portfolio pembiayaan, increase in the financing portfolio,
investasi atau penempatan pada investment or placement in financial
instrumen keuangan atau proyek yang instruments or projects that are in line with
the implementation of Sustainable Finance.
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sejalan dengan penerapan Keuangan
Berkelanjutan.
o Pengembangan kapasitas intern LJK. o Internal capacity development of the FSI.
o Penyesuaian organisasi, manajemen risiko, o Adjustments to the organization, risk
tata Kelola dan/atau standar prosedur management, governance and/or standard
operasional LJK yang sesuai dengan prinsip operating procedures of the FSI in
penerapan Keuangan Berkelanjutan. accordance with the principles of
implementing Sustainable Finance.
Direksi wajib memastikan pelaksanaan The BoD shall ensure that the implementation
Rencana Aksi Keuangan Berkelanjutan of the Sustainable Finance Action Plan is
terlaksana secara efektif dan tepat waktu. carried out in an effective and timely manner.
Direksi wajib memastikan adanya The BoD shall ensure that the Sustainable
pengkomunikasian Rencana Aksi Keuangan Finance Action Plan is communicated to
Berkelanjutan kepada pemegang saham dan shareholders and all levels of the FSI's
seluruh jenjang organisasi yang ada pada LJK. organization.
Dalam penerapan maturitas digital bank umum, In the implementation of digital maturity of
yakni: commercial banks, namely:
Direksi memiliki komitmen untuk The BoD is committed to implementing digital-
menerapkan kepemimpinan yang oriented leadership. Digital-oriented
berorientasi digital (digital leadership). leadership is strategic leadership that can
Kepemimpinan yang berorientasi digital yaitu leverage the Bank's digital assets to achieve
kepemimpinan strategis yang dapat organizational goals.
memanfaatkan aset digital Bank untuk
mencapai tujuan organisasi.
Direksi memastikan arsitektur TI disusun The BoD ensures that the IT architecture is
selaras dengan strategi bisnis dan sesuai aligned with the business strategy and in
dengan kebutuhan bisnis Bank. accordance with the Bank's business needs.
Direksi memberikan arahan strategis atas The BoD provides strategic direction on the
ketersediaan sistem informasi manajemen availability of risk management information
risiko terkait penyelenggaraan TI yang dapat systems related to IT implementation that can
menghasilkan informasi yang diperlukan generate the necessary information to
dalam rangka mendukung peran dan fungsi effectively support management roles and
manajemen secara efektif. functions.
Dalam penerapan rencana aksi pemulihan, yakni: In implementing the action plan recovery,
namely:
Direksi wajib: The BoD shall:
o Menyusun Rencana Aksi Pemulihan secara o Develop a realistic and comprehensive
realistis dan komprehensif. Realistis Recovery Action Plan. Realistic includes
diantaranya adalah terukur, sesuai kondisi measurable, in accordance with actual
sebenarnya, dan/atau dapat dilaksanakan. conditions, and/or can be implemented.
o Menyampaikan Rencana Aksi Pemulihan o Submit the Recovery Action Plan to the
kepada pemegang saham pada RUPS shareholders at the GMS for approval.
untuk memperoleh persetujuan.
o Mengkomunikasikan Rencana Aksi o Communicate the Recovery Action Plan to
Pemulihan kepada seluruh jenjang atau all levels of the Bank's organization.
tingkatan organisasi Bank.
o Melakukan evaluasi dan pengujian (stress o Conduct periodic evaluation and stress
testing) Rencana Aksi Pemulihan secara testing of the Recovery Action Plan.
berkala.
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o Mengimplementasikan Rencana Aksi o Implement the Recovery Action Plan
Pemulihan secara efektif dan tepat waktu. effectively and in a timely manner.
Direksi wajib melakukan evaluasi dan The BoD shall evaluate and stress test the
pengujian (stress testing) Rencana Aksi Recovery Action Plan periodically at least 1
Pemulihan secara berkala paling sedikit 1 (one) time in 1 (one) year to assess the
(satu) kali dalam 1 (satu) tahun untuk menilai feasibility of the Recovery Action Plan.
kelayakan Rencana Aksi Pemulihan.
Dalam Transparansi dan Publikasi Suku Bunga In the Transparency and Publication of Prime
Dasar Kredit Direksi bertanggung jawab atas Lending Rate, the BoD is responsible for the
kelengkapan dan kebenaran isi SBDK termasuk completeness and correctness of the Prime
komponen perhitungannya dan laporannya. Lending Rate content including its calculation
Lengkap, akurat, kini, utuh, dan dapat components and reports. Complete, accurate,
diperbandingkan mengacu pada dokumen current, intact, and comparable referring to the
pedoman penyusunan laporan publikasi dan guideline document for the preparation of
laporan rincian SBDK bagi Bank. publication reports and SBDK detail reports for
Banks.
Dalam Integritas Pelaporan Keuangan, yakni: In Financial Reporting Integrity, namely:
Tugas dan tanggung jawab Direksi dalam Duties and responsibilities of the BoD in the
proses pelaporan keuangan: financial reporting process:
o Penyusunan dan penyajian Informasi o Preparation and presentation of Financial
Keuangan dan Laporan Keuangan. Information and Financial Statements.
o Kesesuaian penyusunan dan penyajian o Conformity of the preparation and
Laporan Keuangan dengan standar presentation of Financial Statements with
akuntansi keuangan dan ketentuan OJK financial accounting standards and OJK
mengenai pencatatan transaksi keuangan. regulations regarding the recording of
financial transactions.
o Kelengkapan dan kebenaran isi Laporan o Completeness and correctness of the
Keuangan. contents of the Financial Statements.
o Penerapan pengendalian internal dalam o Implementation of internal control in the
proses pelaporan keuangan Bank. Bank's financial reporting process.
Direksi wajib menyampaikan laporan The BoD must submit a report on internal
pengendalian internal dalam proses control in the Bank's financial reporting
pelaporan keuangan Bank paling sedikit process that at least contains:
memuat:
o Pernyataan Direksi mengenai tanggung o Statement of the BoD regarding the BoD
jawab Direksi atas penerapan responsibility for the implementation of
pengendalian internal dalam proses internal control in the Bank's financial
pelaporan keuangan Bank. reporting process.
o Hasil penilaian Direksi terhadap efektivitas o Results of the BoD assessment of the
pengendalian internal dalam proses effectiveness of internal control in the
pelaporan keuangan Bank. Bank's financial reporting process.
Dalam Rencana Resolusi, yakni: In the Resolution Plan, namely:
Menyusun rencana resolusi, melakukan Preparing resolution plans, making
perbaikan rencana resolusi, dan/atau improvements to resolution plans, and/or
melakukan tindakan perbaikan atas hasil uji taking corrective action on resolvability test
resolvabilitas sesuai dengan prinsip lengkap, results in accordance with the principles of
akurat, terkini, dan utuh. being complete, accurate, current, and intact.
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Memastikan kebenaran dan kelengkapan Ensure the correctness and completeness of
data, informasi, dan/atau dokumen dalam data, information, and/or documents in
menyusun rencana resolusi, melakukan preparing the resolution plan, improving the
perbaikan rencana resolusi, dan/atau resolution plan, and/or taking corrective
melakukan tindakan perbaikan atas hasil uji action on the resolvability test results.
resolvabilitas.
Menyampaikan rencana resolusi, perbaikan Submitting resolution plans, improvements to
rencana resolusi, dan/atau pemutakhiran resolution plans, and/or updating resolution
rencana resolusi kepada Dewan Komisaris plans to the Board of Commissioners for
untuk memperoleh persetujuan. approval.
Menyampaikan rencana resolusi, perbaikan Submitting resolution plans, resolution plan
rencana resolusi, dan/atau melakukan improvements, and/or taking corrective
tindakan perbaikan atas hasil uji resolvabilitas actions on the results of the resolvability test
kepada LPS sesuai dengan batas waktu yang to the Deposit Insurance Corporation in
telah ditetapkan dalam PLPS. accordance with the time limit set in the
Deposit Insurance Corporation Regulation.
Melakukan implementasi rencana untuk Implementing plans to overcome potential
mengatasi potensi hambatan pelaksanaan obstacles to the implementation of resolution
opsi tindakan resolusi action options.
Tugas dan Tanggung Jawab masing-masing Anggota Direksi (Job and Responsibility for BoD)
Nama Tugas dan Tanggung Jawab
Name Job & Responsibility
1. Presiden Direktur : Memiliki wewenang atas seluruh kegiatan operasional bank.
President Director Having authority over all Bank’s operation.
Memimpin dan mengelola bank agar dalam perkembangannya senantiasa
berada dalam koridor prinsip-prinsip good corporate governance (GCG)
serta peraturan perundang-undangan yang mengatur mengenai perbankan
maupun pasar modal.
Lead and manage the bank so that in its development it is always in the
corridor of the principles of good corporate governance (GCG) and laws and
regulations governing banking and capital markets.
2. Wakil Presiden Direktur : Bertanggungjawab atas segala hal yang terkait dengan kegiatan pemberian
Vice President Director kredit, posisi likuiditas, kegiatan devisa dan pengembangan perusahaan.
Responsible for all matters related to lending activities, liquidity position, foreign
exchange activities and corporate development.
3. Direktur Operasional : Bertanggungjawab atas kegiatan yang berhubungan dengan seluruh kegiatan
Operational Director operasional Bank dan penggunaan Teknologi Informasi.
Responsible for activities related to all operational activities of the Bank and the
use of Information Technology.
4. Direktur Umum : Bertanggungjawab atas segala hal yang terkait dengan kebijakan Bank atas
General Affair Director pengembangan SDM, Logistik dan general affair.
Responsible for all matters related to the Bank's policies on HR development,
Logistics and general affairs.
5. Direktur Kepatuhan : Bertanggungjawab atas kepatuhan bank dalam mengimplementasikan seluruh
Compliance Director peraturan atau perundang-undangan yang berlaku pada seluruh kegiatan atau
aspek bisnis bank
Responsible for the bank's compliance in implementing all applicable laws and
regulations in all activities or aspects of the bank's business.
Hubungan Keuangan, Hubungan Keluarga, Financial Relationships, Family Relationships,
Hubungan Kepengurusan dan Hubungan Management Relationships, Ownership
Kepemilikan Anggota Direksi dengan Anggota Relationship of the BoD Members with the
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Dewan Komisaris Lainnya, Direksi Lainnya Member of BoC, Other BoD and/or Shareholders
dan/atau Pemegang Saham Pengendali Bank. of the Bank.
Hubungan Keuangan dengan Hubungan Keluarga dengan Hubungan Kepengurusan dengan Hubungan Kepemilikan dengan
Financial Relationship with Family Relationship with Management Relationship with Ownership Relationship with
Pemegang Saham Pemegang Saham Pemegang Saham Pemegang Saham
Dewan Komisaris Direksi Dewan Komisaris Direksi Dewan Komisaris Direksi Dewan Komisaris Direksi
Pengendali Pengendali Pengendali Pengendali
Board of Board of Board of Board of Board of Board of Board of Board of
Controlling Controlling Controlling Controlling
Commissioners Directors Commissioners Directors Commissioners Directors Commissioners Directors
Shareholders Shareholders Shareholders Shareholders
Direksi Board of Directors
Achmad S.
× × × × × × x x x x x x
Kartasasmita
Hendra Halim × × × × x x
Yusri Hadi × × × × × × x x x x x x
Andy × × × × × × x x x x x x
Harun Ansari x x x x x x x x x x x x
Kepemilikan Saham Anggota Direksi yang Share Ownership of BoD which Reaches 5% or
Mencapai 5% atau lebih dari Modal Disetor More of Paid-in Capital
Kepemilikan Saham Anggota Direksi yang Mencapai 5%
Direksi/ atau Lebih dari Modal Disetor/
BoD BoD Shareholding of 5% or Above Calculated on Paid-in
Capital
Achmad S Kartasasmita -
Hendra Halim PT. Mestika Benua Mas 16.67%
PT. Sierah Betung Indah 10.00%
PT. Bina Segar Agung 20.00%
PT. Palm Trimitra Indotama 14.00%
PT. Boga Indo Sukses Mandiri 24.00%
PT. Mega Indo Perkasa 24.90%
PT. Intiland Wahana Cemerlang 20.00%
PT. Cahaya Dharma Anugerah 12.50%
PT. Sumber Prima Perkasa 10.00%
PT. Belmondo Bogaindo 24.00%
Andy -
Yusri Hadi -
Harun Ansari -
Kebijakan dan pelaksanaan frekuensi rapat Board of Directors meeting frequency policy and
Direksi implementation
Kebijakan dan pelaksanaan frekuensi rapat The policy and implementation of the frequency of
Direksi, rapat Direksi bersama Dewan Komisaris BoD meetings, Joint Meeting of BoD and BoC have
telah diatur dalam Pedoman dan Tata Tertib kerja been regulated in Bank Mestika's Board of
Direksi Bank Mestika. Rapat Direksi dilaksanakan Directors Charter. The BoD meeting is held
secara berkala paling sedikit 1 (satu) kali dalam periodically at least once a month. Joint meeting
setiap bulan. Rapat Direksi bersama dengan of BoD and BoC is held periodically at least once in
Dewan Komisaris secara berkala paling sedikit 1 4 (four) months. Meetings can only be held if
(satu) kali dalam 4 (empat) bulan. Rapat hanya attended by the majority of the BoD, namely more
dapat dilaksanakan apabila dihadiri mayoritas than 50% (fifty percent) of the total number of
Direksi yaitu lebih dari 50% (lima puluh persen) members of the Board of Directors. The minutes of
each meeting must be properly documented.
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dari jumlah anggota Direksi. Setiap risalah rapat
wajib didokumentasikan dengan baik.
Frekuensi Rapat Direksi
Frequency of Board of Directors Meetings
Rapat/Meetings Achmad S. Hendra Halim Andy Harun Ansari Yusri Hadi
Kartasasmita (Vice President (Compliance (Operational (General Affair
(President Director) Director) Director) Director)
Director)
Rapat Direksi 13 (100%) 13 (100%) 13 (100%) 11 (84.62%) 12 (92.30%)
BoD Meetings
Rapat Gabungan 11 (100%) 10 (90.91%) 11 (100%) 10 (90.91%) 11 (100%)
Dewan Komisaris & Direksi
Joint Meeting of BoC and BoD
Rapat Umum Pemegang Saham 1 (100%) 1 (100%) 1 (100%) 1 (100%) 1 (100%)
Tahunan
Annual General Meeting of
Shareholders
Pelatihan dan/atau peningkatan kompetensi Training and/or competency improvement for
Anggota Direksi members of the BoD
Dalam Pedoman dan Tata Tertib Direksi, setiap In the Board of Directors' Charter, each member of
Anggota Direksi wajib memberikan dedikasi the Board of Directors is obliged to give his best
terbaik untuk pengembangan dan pengawasan dedication to the development and supervision of
Bank sesuai dengan prinsip tata kelola yang baik. the Bank in accordance with the principles of good
governance.
Sepanjang tahun 2024, Direksi telah mengikuti Throughout 2024, the Board of Directors has
pelatihan dalam rangka peningkatan kompetensi participated in training in order to improve the
Direksi, antara lain: Refreshment Sertifikasi competence of the Board of Directors, among
Treasury Dealer Level Advance; Peran serta Aktif others: Refreshment of Advance Level Treasury
dalam Pencegahan Green Financial Crime di Dealer Certification; Active Participation in the
Industri Keuangan; Sosialisasi Pengenalan Fungsi Prevention of Green Financial Crime in the
Perlindungan Data Pribadi; Workshop Current and Financial Industry; Socialization of Personal Data
Future State; Integrated AI Innovation with Protection Function Introduction; Current and
ISO/IEC 42001; Program Penyelarasan Sertifikasi Future State Workshop; Integrated AI Innovation
Manajemen Risiko J7 bagi Direksi; Sosialisasi with ISO/IEC 42001; J7 Risk Management
Pelindungan Konsumen terkait POJK Nomor 22 Certification Alignment Program for Directors;
tahun 2023 tentang Pelindungan Konsumen dan Socialization of Consumer Protection related to
Masyarakat di Sektor Jasa Keuangan, Sertifikasi POJK Number 22 of 2023 concerning Protection of
CCGO (Certified Chief Governance Officer); Consumers and Communities in the Financial
Training Implementasi dan Model Penerapan Services Sector, CCGO (Certified Chief Governance
Undang-Undang Pelindungan Data Pribadi; Officer) Certification; Training on Implementation
Training Perpajakan Dua Hari: Up-Date and Implementation Model of Personal Data
Perpajakan PPh/PPN 2024 dan Serba Serbi; Protection Law; Two-Day Taxation Training: Up-
Seminar Internasional "Optimalisasi Kolaborasi Date of Income Tax/VAT 2024 and Miscellaneous;
Dalam Mencegah dan Menangani Green Financial International Seminar “Optimizing Collaboration
Crime di Indonesia Menuju Indonesia Emas 2045"; in Preventing and Handling Green Financial Crime
Sosialisasi Ketentuan PLPS Rencana Resolusi bagi in Indonesia Towards Golden Indonesia 2045”;
Bank Umum dan POJK SEOJK ITSK; Sosialisasi Socialization of PLPS Provisions of Resolution Plan
Tugas dan Fungsi LPS; FGD Persamaan Persepsi for Commercial Banks and POJK SEOJK ITSK;
Perizinan PKK Kepengurusan dan Kepemilikan Socialization of Duties and Functions of LPS; FGD
Bank Umum; Sosialisasi IT Security Awareness; on Perception Similarity of Licensing PKK
Economic Outlook dan Rencana Bisnis Bank (RBB); Management and Ownership of Commercial
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Liquidity Coverage Ratio (LCR) dan Net Stable Banks; Socialization of IT Security Awareness;
Funding Ratio (NFSR): Updating Interprestasi, Economic Outlook and Bank Business Plan (RBB);
Implementasi dan Review Laporan sesuai Regulasi Liquidity Coverage Ratio (LCR) and Net Stable
Terkini (Termasuk Kertas Kerja); Sosialisasi Funding Ratio (NFSR): Updating Interpretation,
"Corporate Transformation melalui Penerapan Implementation and Review of Reports in
Tata Kelola dan Strategi Anti Fraud"; Video accordance with the Latest Regulations (Including
Learning Transformasi Digital, Call For Papers Working Papers); Socialization of “Corporate
Sumatera Utara Economic & Financial Insight Transformation through the Implementation of
2024 (SEFI 2024); Diseminasi Hasil Penilaian Governance and Anti-Fraud Strategies”; Video
Financial Integrity Rating on Money Laundering Learning Digital Transformation, Call For Papers
and Terrorist Financing (FIR on ML/TF) Tahun North Sumatra.
2024.
Penilaian kinerja Direksi BoD Performance Assessment
Metode Penilaian kinerja Performance Assessment Method
Penilaian kinerja Direksi dilakukan secara kolegial The performance assessment of the Board of
dengan menggunakan KPI (Key Performance Directors is conducted collegially using KPIs (Key
Indicators) untuk mengukur pencapaian terhadap Performance Indicators) to measure the
indikator kinerja yang telah ditetapkan. Penilaian achievement of predetermined performance
tersebut dikoordinasikan oleh Komite Remunerasi indicators. The assessment is coordinated by the
dan Nominasi. Remuneration and Nomination Committee.
Kriteria pengukuran kinerja Performance measurement criteria
Kriteria pengukuran kinerja pada KPI (Key The performance measurement criteria in the KPI
Performance Indicators) Direksi terdiri dari (Key Performance Indicators) of the Board of
ukuran berdasarkan 4 (empat) perspektif, yaitu: Directors consist of measures based on 4 (four)
perspectives, namely:
Financial Financial
Customer Customer
Process Process
Organizational Capacity Organizational Capacity
Hasil penilaian self-assessment kinerja Direksi The results of the self-assessment of the
untuk tahun 2024 menunjukkan hasil “Cukup performance of the Board of Directors for 2024
Baik”. showed a result of “Fairly Good”.
Penilaian Direksi terhadap kinerja Komite yang BoD assessment of the performance of
mendukung pelaksanaan tugas Direksi Committees that support the implementation of
the duties of the BoD
Bank memiliki 4 (empat) komite yang mendukung The Bank has 4 (four) committees that support the
pelaksanaan tugas Direksi yakni Komite implementation of BoD duties namely Risk
Manajemen Risiko, ALCO, Komite Pengarah TI, Management Committee, ALCO, IT Steering
dan Komite Kebijakan Perkreditan. Penilaian Committee, and Credit Policy Committee.
terhadap masing-masing Komite dilakukan setiap Assessment of each Committee is conducted
tahun berdasarkan pemenuhan tugas dan annually based on the fulfillment of the duties and
tanggung jawab masing-masing Komite, yakni responsibilities of each Committee, which is to
membantu Direksi dalam memberikan assist the Board of Directors in providing
rekomendasi-rekomendasi yang dibutuhkan recommendations needed in managing the Bank's
dalam pengelolaan bisnis bank. Direksi menilai business. The Board of Directors considers that all
bahwa seluruh komite telah menjalankan tugas committees have performed their duties and
dan tanggungjawabnya dengan baik. responsibilities well.
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3. Dewan Komisaris 3. Board of Commissioners
Keanggotaan Membership
Komposisi keanggotaan Dewan Komisaris pada The membership composition of the BoC in 2024
tahun 2024 terdiri dari 4 (empat) orang, yakni 1 consists of 4 (four) people, namely 1 (one)
(satu) orang Presiden Komisaris, 2 (dua) orang President Commissioner, 2 (two) Independent
Komisaris Independen dan 1 (satu) orang Commissioners and 1 (one) Commissioner.
Komisaris.
Seluruh anggota Dewan Komisaris Bank All members of the Bank's BoC are domiciled in
berdomisili di Indonesia. Masing-masing anggota Indonesia. Each member of the BoC has good
Dewan Komisaris memiliki integritas, kompetensi integrity, competence, and reputation. All
dan reputasi yang baik. Semua anggota Dewan members of the BoC of the Bank have passed the
Komisaris Bank telah lulus dalam Penilaian Fit and Proper Test in accordance with the
Kemampuan dan Kepatutan (Fit and Proper Test) Financial Services Authority Regulation
sesuai dengan Peraturan Otoritas Jasa Keuangan concerning the Fit and Proper Test for Main
tentang Penilaian Kemampuan dan Kepatutan Parties of Financial Services Institutions. The
bagi Pihak Utama Lembaga Jasa Keuangan. Independent Commissioner has met the
Komisaris Independen telah memenuhi kriteria independence criteria. The majority of the BoC of
independensi. Mayoritas Dewan Komisaris Bank the Bank do not have family ties to the second
tidak memiliki hubungan keluarga sampai dengan degree with fellow members of the BoC and BoD.
derajat kedua dengan sesama anggota Dewan The BoC continues to strive to create a more
Komisaris dan Direksi. Dewan Komisaris terus objective climate and work environment in
berusaha dalam mendorong terciptanya iklim dan accordance with work principles in support of
lingkungan kerja yang lebih objektif dan sesuai good Bank governance.
dengan prinsip-prinsip kerja dalam mendukung
tata kelola Bank yang baik.
Tugas dan Tanggung Jawab Dewan Komisaris Duties and Responsibilities of the BoC
Tugas dan tanggung jawab Dewan Komisaris The duties and responsibilities of the BoC are set
tertuang dalam Pedoman dan Tata Tertib Kerja out in the BoC Charter, which is established
Dewan Komisaris yang ditetapkan melalui Surat through the Bank's Internal Decree number
Keputusan Internal Bank nomor 057/SK- 057/SK-BMD/DIR/2024. The BoC is responsible to
BMD/DIR/2024. Dewan Komisaris bertanggung the Shareholders, protecting the interests of
jawab kepada Pemegang Saham, melindungi stakeholders, improving compliance with laws and
kepentingan stakeholders, meningkatkan regulations and generally accepted ethical values.
kepatuhan terhadap peraturan perundang-
undangan serta nilai-nilai etika yang berlaku
umum.
Adapun rincian tugas dan tanggung jawab Dewan The details of the duties and responsibilities of the
Komisaris, antara lain: BoC, among others:
Sesuai dengan Anggaran Dasar yakni: According to the Article of Association, such as
Memiliki akses tak terbatas dalam Have unrestricted access in carrying out
menjalankan fungsi pengawasan. supervisory functions.
Dewan Komisaris diwajibkan untuk The BoC is required to temporarily manage
sementara mengurus Bank, dalam hal seluruh the Bank, in the event that all members of the
anggota Direksi diberhentikan untuk BoD are temporarily dismissed or the Bank
sementara atau Bank tidak mempunyai does not have any member of the BoD. In
seorang pun anggota Direksi. Dalam hal such cases, the BoC shall be entitled to grant
demikian, Dewan Komisaris berhak untuk temporary powers to one or more members
memberikan kekuasaan sementara kepada of the BoC at the responsibility of the BoC.
seorang atau lebih anggota Dewan Komisaris
atas tanggungan Dewan Komisaris.
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Dalam pelaksanaan fungsi Dewan Komisaris dan In the implementation of the functions of the BoC
penerapan tata kelola, yakni and the implementation of governance, such as
Melakukan pengawasan untuk kepentingan Supervise for the benefit of the Bank over the
Bank atas kebijakan dan jalannya pengurusan policies and course of management by the
oleh Direksi, memberikan nasihat kepada BoD, provide advice to the BoD, and be
Direksi, dan bertanggung jawab atas responsible for such supervision, in
pengawasan tersebut, sesuai dengan maksud accordance with the purposes and objectives
dan tujuan Bank yang ditetapkan dalam of the Bank set forth in the provisions of laws
ketentuan peraturan perundang-undangan, and regulations, articles of association, and
anggaran dasar, dan keputusan RUPS. resolutions of the GMS.
Melaksanakan tugas, wewenang dan Carry out duties, authorities and
tanggung jawab dengan itikad baik dan responsibilities in good faith and with the
dengan prinsip kehati-hatian. principle of prudence.
Mengarahkan, memantau dan mengevaluasi Directing, monitoring and evaluating the
pelaksanaan tata Kelola, manajemen risiko, implementation of governance, risk
dan kepatuhan. management, and compliance.
Menerima dan melaksanakan kewenangan Receive and exercise the authority delegated
yang diserahkan dan/atau diberikan kepada and/or granted to the BoC in accordance with
Dewan komisaris sesuai dengan ketentuan the provisions of laws and regulations,
peraturan perundang-undangan, anggaran articles of association, and/or GMS
dasar, dan/atau keputusan RUPS. resolutions.
Dewan Komisaris dapat melaksanakan tugas The BoC may carry out other supervisory
dan kewenangan pengawasan lain sepanjang duties and authorities as long as they do not
tidak bertentangan dengan ketentuan conflict with the provisions of laws and
peraturan perundang-undangan, anggaran regulations, the articles of association,
dasar, dan/atau keputusan RUPS. and/or the resolutions of the GMS.
Secara aktif melakukan pengawasan terhadap Actively supervise the implementation of
pelaksanaan pengelolaan aset bermasalah, non-performing asset management,
penyisihan, dan pencadangan yang dilakukan provisioning, and provisioning by the Bank in
Bank dalam pengelolaan risiko kredit. managing credit risk.
Memastikan ketersediaan dan kecukupan Ensure the availability and adequacy of
pelaporan internal yang didukung oleh sistem internal reporting supported by an adequate
informasi manajemen yang memadai. management information system.
Memastikan Bank tidak memanfaatkan Ensure that the Bank does not utilize and/or
dan/atau menyalahgunakan rekayasa misuse financial engineering and/or legal
keuangan dan/atau rekayasa hukum untuk engineering for the benefit of the Bank
kepentingan Bank dan/atau pihak lain baik and/or other parties both internal and
internal maupun eksternal Bank yang tidak external to the Bank that are not in
sesuai dengan prinsip pengelolaan Bank yang accordance with the principles of sound Bank
sehat. management.
Dewan Komisaris melakukan pengawasan The BoC supervises the implementation of the
terhadap pelaksanaan Rencana Bisnis. Business Plan.
Mengajukan calon akuntan publik kepada Submitting public accountant candidates to
Rapat Umum Pemegang Saham. the General Meeting of Shareholders.
Dewan Komisaris wajib menyediakan waktu The BoC shall provide sufficient time to
yang cukup untuk melaksanakan tugas dan optimally carry out its duties and
tanggung jawabnya secara optimal responsibilities.
Dalam menjalankan tugasnya, Dewan In carrying out its duties, the BoC is entitled
Komisaris berhak memperoleh informasi dan to obtain adequate information and
penjelasan yang memadai dari Direksi atau explanations from the BoD or any member of
setiap anggota Direksi tentang segala hal yang
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diperlukan oleh Dewan Komisaris terkait the BoD on all matters required by the BoC
pengelolaan Bank. related to the management of the Bank.
Dewan Komisaris wajib mengarahkan, The BoC shall direct, monitor, and evaluate
memantau, dan mengevaluasi pelaksanaan the implementation of the Bank's strategic
kebijakan strategis Bank. policies.
Dewan Komisaris wajib memberitahukan The BoC shall notify Bank Indonesia/OJK at
kepada Bank Indonesia/Otoritas Jasa the latest than 5 (five) business days from the
Keuangan paling lambat 5 (lima) hari kerja discovery of:
sejak ditemukannya:
o Pelanggaran peraturan perundang- o Violation of laws and regulations in the
undangan di bidang keuangan dan field of finance and banking.
perbankan.
o Keadaan atau perkiraan keadaan yang o Circumstances or estimates of
dapat membahayakan kelangsungan circumstances that may harm the Bank's
usaha Bank. business continuity.
Untuk mendukung efektifitas pelaksanaan To support the effective implementation of
tugas dan tanggung jawab, Dewan Komisaris duties and responsibilities, the BoC shall
wajib membentuk: establish:
o Komite Audit o Audit Committee
o Komite Pemantau Risiko, dan o Risk Oversight Committee
o Komite Remunerasi dan Nominasi o Remuneration and Nomination
Commmitee
o Komite lain sesuai dengan kebutuhan o Other committees in accordance with the
dan/atau kompleksitas Bank. needs and/or complexity of the Bank
Dewan Komisaris wajib memastikan bahwa The BoC shall ensure that the Committees
Komite yang telah dibentuk memiliki that have been established have guidelines
pedoman dan tata tertib kerja serta and procedures and carry out their duties
menjalankan tugasnya secara efektif. effectively.
Dewan Komisaris wajib melakukan evaluasi The BoC shall evaluate the performance of
terhadap kinerja Komite sekurang-kurangnya the Committee at least at the end of each
pada setiap akhir tahun buku. financial year.
Melakukan pengawasan terhadap penerapan Supervise the implementation of the
Kebijakan Remunerasi dan melakukan Remuneration Policy and conduct periodic
evaluasi berkala Kebijakan Remunerasi atas evaluations of the Remuneration Policy based
dasar hasil pengawasan yang dilakukan. on the results of the supervision conducted.
Dewan Komisaris wajib menyusun Kebijakan The BoC shall develop a self-assessment
penilaian sendiri dan melakukan penilaian policy and conduct a performance appraisal
kinerja Dewan Komisaris. of the BoC.
Dewan Komisaris wajib menyelenggarakan The BoC shall organize the Annual General
RUPS Tahunan dan RUPS lainnya sesuai Meeting of Shareholders and other General
dengan kewenangan yang diatur perundang- Meeting of Shareholders in accordance with
undangan. the authority regulated by law.
Dewan Komisaris berwenang The BoC is authorized to temporarily suspend
memberhentikan sementara anggota Direksi a member of the BoD by stating the reasons.
dengan menyebutkan alasannya.
Dalam pelaksanaan fungsi manajemen risiko, In the implementation of the risk management
yakni function, such as
Dewan Komisaris menyetujui dan The BoC approves and evaluates the BoD
mengevaluasi pertanggungjawaban Direksi accountability for the implementation of the
Risk Management policy.
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atas pelaksanaan kebijakan Manajemen
Risiko.
Dewan Komisaris menyetujui kebijakan The BoC approves the Risk Management
Manajemen Risiko termasuk strategi dan policy including the Risk Management
kerangka Manajemen Risiko yang ditetapkan strategy and framework established in
sesuai dengan tingkat risiko yang akan diambil accordance to the risk appetite and risk
(risk appetite) dan toleransi risiko (risk tolerance.
tolerance).
Dewan Komisaris mengevaluasi Kebijakan The BoC evaluates the Risk Management
Manajemen Risiko dan strategi Manajemen Policy and Risk Management strategy at least
Risiko paling sedikit 1 (satu) kali dalam 1 (satu) once a year or more frequently in the event of
tahun atau frekuensi yang lebih sering dalam changes in factors that significantly affect the
hal terdapat perubahan faktor yang Bank's business activities.
mempengaruhi kegiatan usaha Bank secara
signifikan.
Mengevaluasi pertanggungjawaban Direksi Evaluate the accountability of the BoC and
dan memberikan arahan perbaikan atas provide direction for improvement on the
pelaksanaan Kebijakan Manajemen Risiko implementation of the Risk Management
secara berkala. Policy on a regular basis.
Memastikan kebijakan dan proses Ensure risk management policies and
manajemen risiko dilaksanakan secara efektif processes are implemented effectively and
dan terintegrasi dalam proses manajemen integrated in the overall risk management
risiko secara keseluruhan. process.
Melakukan pengawasan terhadap penerapan Supervise the implementation of risk
manajemen risiko telah mencakup country management that covers country risk and
risk dan transfer risk yang dilakukan Bank transfer risk carried out by the Bank including
termasuk pelaksanaan evaluasi dan pengujian the implementation of evaluation and testing
(stress testing). (stress testing).
Dalam rangka pengawasan terhadap In the supervision of IT implementation, such as
penyelenggaraan TI, yakni
Mengevaluasi, mengarahkan, dan memantau Evaluate, direct, and monitor the IT strategic
rencana strategis TI. plan.
Mengevaluasi, mengarahkan, dan memantau Evaluate, direct and monitor the
penerapan tata Kelola TI. implementation of IT Governance.
Memiliki pemahaman yang memadai Have an adequate understanding of the types
mengenai jenis dan tingkat risiko terkait and levels of cybersecurity-related risks
keamanan siber yang melekat pada Bank. inherent to the Bank.
Memastikan Bank memiliki SDM dan Ensure the Bank has sufficient human
infrastruktur yang cukup untuk mendukung resources and infrastructure to support the
penerapan manajemen risiko terkait implementation of risk management related
keamanan siber dan proses ketahanan siber to cybersecurity and the Bank's cyber
Bank. resilience process.
Mendukung terciptanya budaya manajemen Support the creation of a risk management
risiko terkait keamanan siber dengan culture related to cybersecurity by giving
memberikan perhatian yang cukup terhadap sufficient attention to the implementation of
pelaksanaan manajemen risiko terkait risk management related to cybersecurity by
keamanan siber oleh seluruh elemen all elements of the Bank's organization.
organisasi Bank.
Menjadi contoh standar perilaku yang Set an example of behavioral standards that
mengedepankan kesadaran terhadap risiko promote awareness of cybersecurity-related
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terkait keamanan siber bagi pegawai dan risks for employees and all elements of the
seluruh elemen organisasi Bank. Bank's organization.
Melakukan pengawasan secara aktif atas Actively supervise the implementation of risk
penerapan manajemen risiko terkait management related to cybersecurity.
keamanan siber.
Menyetujui kebijakan dan rencana strategis Approve policies and strategic plans related
terkait manajemen risiko terkait keamanan to risk management related to cybersecurity
siber yang ditetapkan sesuai dengan tingkat that are determined in accordance with the
risiko yang akan diambil (risk appetite) dan level of risk appetite and risk tolerance.
toleransi risiko Bank (risk tolerance).
Mengevaluasi kebijakan manajemen risiko Evaluate risk management policies and risk
dan strategi risiko terkait keamanan siber strategies related to cybersecurity
secara berkala, paling sedikit satu kali dalam periodically, at least once a year or more in
satu tahun atau lebih dalam hal terdapat the event of changes in factors that
perubahan faktor yang mempengaruhi significantly affect the Bank's business
kegiatan usaha Bank secara signifikan. activities.
Mengevaluasi pertanggungjawaban Direksi Evaluate the accountability of the BoD and
dan memberikan arahan perbaikan atas provide direction for improvement on the
pelaksanaan kebijakan manajemen risiko implementation of risk management policies
terkait keamanan siber secara berkala. related to cybersecurity on a regular basis.
Memastikan kebijakan dan proses Ensure cybersecurity-related risk
manajemen risiko terkait keamanan siber management policies and processes are
dilaksanakan secara efektif dan terintegrasi implemented effectively and integrated in
dalam proses manajemen risiko secara the overall risk management process.
keseluruhan.
Dalam pelaksanaan ketentuan perlindungan In the implementation of consumer and
konsumen dan masyarakat community protection provisions.
Melakukan pengawasan atas pelaksanaan Supervise the implementation of the BoD
tanggung jawab Direksi terhadap kepatuhan responsibility for compliance with the
pelaksanaan ketentuan perlindungan implementation of consumer and community
konsumen dan Masyarakat. protection provisions.
Melakukan pengawasan terhadap upaya Bank Supervise the Bank's efforts to prevent the
dalam mencegah Direksi, Dewan Komisaris, Board of Directors, Board of Commissioners,
Pegawai, dan/atau pihak ketiga yang bekerja employees, and/or third parties who work for
untuk atau mewakili kepentingan PUJK dari or represent the interests of PUJK from
perilaku: behavior:
o Memperkaya atau menguntungkan diri o Enrich or benefit oneself or other parties;
sendiri atau pihak lain; dan/atau and/or
o Menyalahgunakan kewenangan, o Abusing the authority, opportunity, or
kesempatan, atau sarana yang ada means available to him because of his
padanya karena jabatan atau position or position.
kedudukannya.
yang berakibat merugikan Konsumen. which results in harm to consumers.
Dalam pelaksanaan fungsi pengawasan terhadap In the supervision of Literacy and Inclusion
Kegiatan Literasi dan Inklusi Activities
Melakukan pengawasan atas pelaksanaan Supervise the implementation of the BoD
tanggung jawab Direksi terhadap kepatuhan responsibility for compliance with the
pelaksanaan ketentuan tentang Peningkatan implementation of Improving Financial
Literacy and Inclusion provisions in the
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Literasi dan Inklusi Keuangan di Sektor Jasa Financial Services Sector for Consumers and
Keuangan bagi Konsumen dan Masyarakat. the Public.
Dalam pelaksanaan pengawasan terhadap In the supervision of the payment system
aktivitas sistem pembayaran, yakni: activities:
Penetapan akuntabilitas, kebijakan, dan Establishment of accountability, policies, and
proses pengendalian untuk mengelola risiko control processes to manage risks that may
yang mungkin timbul dari penyelenggaraan arise from the implementation of payment
sistem pembayaran. systems.
Dalam pelaksanaan pengawasan terhadap fungsi In the supervision of the consumer complaint
pengaduan konsumen function
Memastikan Direksi memiliki dan Ensure the BoD has and implements a
melaksanakan prosedur layanan pengaduan. complaints service procedure.
Dalam pelaksanaan pengawasan terhadap fungsi In the supervision of the credit function, such as:
perkreditan, yakni:
Memantau penyediaan dana termasuk Monitor the funding provision including
mengkaji ulang penyediaan dana dengan reviewing the funding provision with a large
jumlah besar atau yang diberikan kepada amount or given to related parties.
pihak terkait.
Menyetujui Kebijakan dan Prosedur Tertulis Approve Written Policies and Procedures on
mengenai hapus buku. write-offs.
Dewan Komisaris wajib melakukan The BoC shall actively supervise the
pengawasan secara aktif terhadap implementation of the Credit Restructuring
pelaksanaan kebijakan Restrukturisasi Kredit. policy.
Dalam pelaksanaan fungsi anti-fraud, yakni: In the supervision of antifraud function, such as:
Mengawasi pengembangan kepedulian dan Overseeing the development of anti-fraud
budaya anti-fraud pada seluruh jajaran awareness and culture at all levels of the
organisasi. organization.
Penandatanganan pakta integritas dengan Signing an integrity pact with the scope of the
cakupan pakta integritas paling sedikit integrity pact containing at least:
memuat:
o Senantiasa mematuhi hukum dan o Always comply with the law and the
ketentuan peraturan perundang- provisions of laws and regulations.
undangan.
o Bertindak objektif, berpegang teguh pada o Act objectively, adhere to ethical and
nilai etika dan moral, adil, transparan, moral values, be fair, transparent,
konsisten, serta menjunjung tinggi consistent, and uphold honesty and
kejujuran dan komitmen. commitment.
o Berperan aktif dalam upaya pencegahan o Actively participate in efforts to prevent
dan pemberantasan Fraud serta bersedia and eradicate fraud and be willing to
melakukan pelaporan dalam hal terjadi report in the event of fraud within the
tindakan Fraud di lingkungan Bank. Bank.
o Creating a work environment that is free
o Menciptakan lingkungan kerja yang bebas from corruption, collusion, and nepotism
dari korupsi, kolusi, dan nepotisme (KKN). (CCN).
Pengawasan penerapan kode etik terkait Supervision of the implementation of the
Degnan pencegahan Fraud bagi seluruh code of ethics related to Fraud prevention for
jajaran organisasi. all levels of the organization.
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Pengawasan penerapan Strategi Anti-Fraud Supervision of the implementation of the
secara menyeluruh. Anti-Fraud Strategy as a whole.
Pengembangan kualitas sumber daya Development of the quality of human
manusia (SDM), khususnya yang terkait resources (HR), especially those related to
dengan peningkatan kesadaran dan increasing awareness and controlling Fraud.
pengendalian Fraud.
Pemantauan dan evaluasi atas kejadian Fraud Monitoring and evaluation of Fraud incidents
serta penetapan tindak lanjut. and determination of follow-up actions.
Pengembangan saluran komunikasi yang Development of effective communication
efektif di internal dan bagi eksternal Bank channels within and external to the Bank so
agar seluruh pejabat dan pegawai Bank that all officers and employees of the Bank
memahami dan mematuhi kebijakan dan understand and comply with applicable
prosedur yang berlaku, termasuk kebijakan policies and procedures, including policies
dan prosedur untuk pengendalian Fraud. and procedures for Fraud Control.
Dalam pengawasan terhadap pelaksanaan fungsi In the supervision of the compliance function,
kepatuhan, yakni: such as:
Dewan Komisaris wajib melakukan The BoC shall actively supervise the
pengawasan aktif terhadap fungsi kepatuhan, compliance function, by:
dengan:
o Mengevaluasi pelaksanaan Fungsi o Evaluate the implementation of the Bank's
Kepatuhan Bank paling sedikit 2 (dua) kali Compliance Function at least twice a year;
dalam satu tahun;
o Memberikan saran untuk meningkatkan o Provide suggestions to improve the quality
kualitas pelaksanaan Fungsi Kepatuhan of the implementation of the Bank's
Bank. Compliance Function.
Dewan Komisaris menyampaikan saran untuk The BoC submits suggestions for improving the
peningkatan kualitas pelaksanaan Fungsi quality of the implementation of the
Kepatuhan kepada Presiden Direktur dengan Compliance Function to the President Director
tembusan kepada Direktur yang with a copy to the Director in charge of the
membawahkan Fungsi Kepatuhan. Compliance Function.
Dalam pengawasan terhadap pelaksanaan fungsi In supervision of the internal control function,
pengendalian intern, yakni: such as:
Melakukan pengawasan terhadap pelaksanaan Supervise the implementation of internal
pengendalian intern secara umum, termasuk controls in general, including the BoD policies
kebijakan Direksi yang menetapkan that establish such controls.
pengendalian tersebut.
Memastikan bahwa Direksi telah memantau Ensure that the BoD has monitored the
efektivitas pelaksanaan Sistem Pengendalian effectiveness of the implementation of the
Intern. Internal Control System.
Memastikan Direksi menyusun dan Ensure that the BoD establishes and maintains
memelihara sistem pengendalian intern yang an adequate, effective and efficient internal
memadai, efektif, dan efisien. control system.
Mengkaji efektivitas dan efisiensi sistem Review the effectiveness and efficiency of the
pengendalian intern berdasarkan informasi internal control system based on information
yang diperoleh dari SKAI paling sedikit 1 (satu) obtained from SKAI at least once a year.
kali dalam 1 (satu) tahun.
Dalam pengawasan terhadap pelaksanaan fungsi In supervision of the Internal Audit function, such
Audit Intern, yakni as
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Dewan Komisaris wajib melakukan The BoC shall supervise the follow-up of the
pengawasan terhadap tindak lanjut Direksi BoD on audit or examination findings and
atas temuan audit atau pemeriksaan dan recommendations from Internal Audit,
rekomendasi dari SKAI, auditor ekstern, hasil external auditors, FSA supervision results,
pengawasan OJK, dan/atau hasil pengawasan and/or supervision results of other authorities
otoritas atau Lembaga lain. or institutions.
Menunjuk pengendali mutu independen dari Appoint an independent quality controller
pihak ekstern untuk melakukan kaji ulang from an external party to review the
terhadap kinerja SKAI, dengan performance of Internal Audit, taking into
mempertimbangkan rekomendasi Komite consideration the recommendations of the
Audit. Audit Committee.
Dalam pengawasan terhadap pelaksanaan In supervising the implementation of Sustainable
Keuangan Berkelanjutan, yakni menyetujui Finance, namely Approved the Sustainable
Rencana Aksi Keuangan Berkelanjutan yang Finance Action Plan prepared by the BoD.
disusun oleh Direksi.
Dalam pengawasan terhadap pelaksanaan APU, In supervision of the implementation of AML, CFT
PPT dan PPPSPM, yakni and PFPWMD, namely
Memastikan Bank memiliki kebijakan dan Ensure that the Bank has policies and
prosedur penerapan program APU, PPT dan procedures for the implementation of AML,
PPPSPM, CFT and PFPWMD programs,
Memberikan persetujuan atas kebijakan dan Approve the policies and procedures for the
prosedur penerapan program APU, PPT, dan implementation of AML, CFT and PFPWMD
PPPSPM yang diusulkan oleh Direksi, programs proposed by the BoD,
Melakukan evaluasi atas kebijakan dan Evaluating the policies and procedures for the
prosedur penerapan program APU, PPT, dan implementation of AML, CFT, and PFPWMD
PPPSPM, programs,
Melakukan pengawasan atas pelaksanaan Supervise the implementation of the BoD
tanggung jawab Direksi terhadap penerapan responsibilities for the implementation of
program APU, PPT, dan PPPSPM, AML, CFT, and PFPWMD programs,
Memastikan adanya pembahasan terkait Ensure that there is a discussion related to the
penerapan progam APU, PPT, dan PPPSPM implementation of AML, CFT, and PFPWMD
dalam rapat Direksi dan Dewan Komisaris. programs in the Board of Directors and BoC
meetings.
Dalam pengawasan terhadap Penetapan Status In supervising the implementation of
Pengawasan dan Penanganan Permasalahan Bank Determination of Supervisory Status and Problem
Umum yakni Handling of Public Banks, namely
Pengawasan terhadap implementasi Rencana Supervision of the implementation of the
Aksi Pemulihan (Recovery Plan), Recovery Plan.
Evaluasi terhadap implementasi Rencana Aksi Evaluation of the implementation of the
Pemulihan (Recovery Plan). Recovery Plan
Dalam pengawasan terhadap pelaksanaan In supervising the implementation of the Digital
Penilaian Tingkat Maturitas Digital Bank Umum, Maturity Level Assessment of Public Banks,
yakni namely
Memiliki komitmen untuk menerapkan Have a commitment to implement digital-
kepemimpinan yang berorientasi digital oriented leadership,
(digital leadership),
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Memiliki komitmen untuk mengembangkan Have a commitment to develop a digital
budaya digital pada laporan tahunan dan culture in the Bank’s annual report and
rencana bisnis Bank, business plan,
Memahami dan secara aktif menerapkan Understand and actively apply data
prinsip pemrosesan data dalam rangka processing principles in the context of data
pelindungan data di Bank, serta bertanggung protection in the Bank and be responsible for
jawab atas kepatuhan terhadap prinsip-prinsip compliance with these principles.
tersebut.
Dalam pengawasan terhadap Transparansi dan In supervising Transparency and Publication of
Publikasi Suku Bunga Dasar Kredit Bagi Bank yakni Basic Lending Rate for Banks, namely Supervise
mengawasi pelaksanaan tugas Direksi dalam the duties of the BoD in the processing of Prime
pemrosesan SBDK. Lending Rate.
Dalam pengawasan terhadap Integritas Pelaporan In the supervision of the Bank’s Financial
Keuangan Bank, yakni Reporting Integrity, namely
Melakukan pengawasan atas penerapan Supervise the implementation of internal
kebijakan dan prosedur pengendalian internal control policies and procedures in the Bank's
dalam proses pelaporan keuangan Bank, financial reporting process,
Melaksanakan tugas dan tanggung jawab Carry out duties and responsibilities in good
dengan itikad baik dan dengan prinsip kehati- faith and with prudential principles,
hatian,
Menuangkan hasil pengawasan Dewan Present the results of the BoC supervision in
Komisaris dalam laporan pengawasan rencana the business plan supervision report in
bisnis sesuai dengan Peraturan Otoritas Jasa accordance with the OJK Regulation regarding
Keuangan mengenai rencana bisnis bank. bank business plans.
Dalam pengawasan terhadap Rencana Resolusi In the supervision of the Resolution Plan for Public
bagi Bank Umum, yakni Banks, namely
Melakukan pengawasan terhadap pemenuhan Supervise the fulfillment of the Bank's
kewajiban Bank dalam menyusun Rencana obligations in preparing the Resolution Plan,
Resolusi, melakukan perbaikan Rencana making improvements to the Resolution Plan,
Resolusi, dan/atau melakukan tindakan and/or taking corrective actions on the results
perbaikan atas hasil uji resolvabilitas, of the resolvability test,
Melakukan evaluasi atas Rencana Resolusi, Evaluating the Resolution Plan, improvement
perbaikan Rencana Resolusi, dan/atau of the Resolution Plan, and/or updating the
pemutakhiran Rencana Resolusi yang telah Resolution Plan that has been prepared by the
disusun oleh Direksi, BoD,
Memberikan persetujuan Rencana Resolusi, To approve the Resolution Plan, the
perbaikan Rencana Resolusi, dan/atau amendment of the Resolution Plan, and/or the
pemutakhiran Rencana Resolusi, update of the Resolution Plan,
Melakukan pengawasan atas implementasi Supervise the implementation of the plan to
rencana untuk mengatasi potensi hambatan overcome potential obstacles to the
pelaksanaan opsi tindakan resolusi. implementation of resolution action options.
Hubungan Keuangan, Hubungan Keluarga, Financial Relationships, Family Relationships,
Hubungan Kepengurusan dan Hubungan Management Relationship and Ownership
Kepemilikan Anggota Dewan Komisaris dengan Relationship of the BoC Members with the
Anggota Dewan Komisaris Lainnya, Direksi Members of the other BoC, Other BoD and/or
Lainnya dan/atau Pemegang Saham Pengendali Shareholders of the Bank.
Bank.
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Hubungan Keuangan dengan Hubungan Keluarga dengan Hubungan Kepengurusan dengan Hubungan Kepemilikan dengan
Financial Relationship with Family Relationship with Management Relationship with Ownership Relationship with
Pemegang Saham Pemegang Saham Pemegang Saham Pemegang Saham
Dewan Komisaris Direksi Dewan Komisaris Direksi Dewan Komisaris Direksi Dewan Komisaris Direksi
Pengendali Pengendali Pengendali Pengendali
Board of Board of Board of Board of Board of Board of Board of Board of
Controlling Controlling Controlling Controlling
Commissioners Directors Commissioners Directors Commissioners Directors Commissioners Directors
Shareholders Shareholders Shareholders Shareholders
Dewan Komisaris Board of Commisioners
Witarsa
× × × × × × x x x x x x
Oemar
Indra Halim × × × × x √ √ x
Katio × × × × × × x x x x x x
Gardjito Heru × × × × × × x x x x x x
Kepemilikan Saham Anggota Dewan Komisaris BoC Shareholdings of 5% or Above
yang Mencapai 5% atau Lebih dari Modal Disetor Calculated on Paid-in Capital
Kepemilikan Saham Anggota Dewan Komisaris yang Mencapai
Dewan Komisaris/
5% atau Lebih dari Modal Disetor/
BoC
BoC Shareholdings of 5% or Above Calculated on Paid-in Capital
Witarsa Oemar PT. Trimitra Sumberbuana 14.39%
Indra Halim PT. Mestika Benua Mas 16.67%
PT. Sierah Betung Indah 10.00%
PT. Bina Segar Agung 15.00%
PT. Palm Trimitra Indotama 7.00%
PT. Mega Mas Plaza Bangunan 20.00%
PT. Mega Indo Perkasa 40.00%
PT. Putramega Deli Indah 26.80%
PT. Cahaya Dharma Anugerah 12.50%
Gardjito Heru PT. Lentera Putra Bangsa 30.00%
Katio - -
Kebijakan dan pelaksanaan frekuensi rapat Policy and implementation of Commissioner
Komisaris meeting frequency
Ketentuan mengenai pelaksanaan rapat Dewan Provisions regarding the implementation of the
Komisaris telah diatur dalam Pedoman dan Tata BoC meetings have been regulated in the Board of
Tertib Dewan Komisaris. Rapat Dewan Komisaris Commissioners' Charter. Meetings of the BoC are
diselenggarakan secara berkala paling sedikit 1 held regularly at least once in 2 (two) months and
(satu) kali dalam 2 (dua) bulan dan wajib dihadiri must be physically attended by all members of the
oleh seluruh anggota Dewan Komisaris secara fisik Board of Commissioners at least 2 (two) times a
paling sedikit 2 (dua) kali dalam setahun. Rapat year. Joint Meetings between the BoC and the BoD
Gabungan antara Dewan Komisaris dan Direksi are held at least once in 4 (four) months. Meetings
diadakan paling sedikit 1 (satu) kali dalam 4 of the BoC are held if attended by the majority of
(empat) bulan. Rapat Dewan Komisaris members of the Board of Commissioners. The
diselenggarakan jika dihadiri oleh mayoritas results of the Meeting are set forth in the minutes
anggota Komisaris. Hasil Rapat dituangkan dalam of the meeting and are well documented.
risalah rapat dan terdokumentasi dengan baik.
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Frekuensi Rapat Dewan Komisaris Frequency of BoC Meetings
Witarsa Indra Katio Gardjito Heru
Rapat/Meeting
Oemar Halim
Dewan Komisaris 10 (90.91%) 9 (81.82%) 11 (100%) 11 (100%)
BoC
Rapat Gabungan 10 (90.91%) 9 (81.82%) 11 (100%) 11 (100%)
Dewan Komisaris & Direksi
Joint Meeting of
BoC and BoD
Rapat Umum Pemegang Saham 1 (100%) 1 (100%) 1 (100%) 1 (100%)
Annual General Meeting of
Shareholders
Seluruh rapat dihadiri secara fisik / All meetings are physically attended.
Rangkap Jabatan Anggota Dewan Komisaris Concurrent Position of Member of the BoC
Nama/ Jabatan/ Perusahaan/ Bidang Usaha/
No.
Name Position Companies Business Fields
1. Witarsa Oemar Presiden Komisaris PT. Pinang Witmas Sejati Produksi Minyak Kelapa Sawit
President Commissioner Palm Oil Production
2. Indra Halim Direktur Utama PT. Mestika Benua Mas Persewaan Alat Transportasi
President Director (Induk Perusahaan Bank) Darat
Banking Holding Company Land Transport Rental
3. Gardjito Heru Direktur Utama PT. Lentera Putra Bangsa Properti
President Director Property
Rekomendasi Dewan Komisaris BoC’s Recommendations
Sepanjang tahun 2024, Dewan Komisaris Throughout 2024, the BoC continued to evaluate
senantiasa melakukan evaluasi terhadap strategic policies taken by the BoD in the context
kebijakan-kebijakan yang bersifat strategis yang of supervising the management of the Bank.
diambil oleh Direksi dalam rangka pengawasan
terhadap pengurusan Bank.
Pelaksanaan penerapan Good Corporate The implementation of Good Corporate
Governance, Manajemen Risiko dan Kinerja Governance, Risk Management and Performance
Direksi merupakan salah satu agenda utama of the BoD is one of the main agendas at every BoC
dalam setiap Rapat Dewan Komisaris. Dalam Meeting. In carrying out its duties, the BoC is
melaksanakan tugasnya Dewan Komisaris dibantu assisted by 3 (three) Committees, namely the Audit
oleh 3 (tiga) Komite, yakni Komite Audit, Komite Committee, Risk Oversight Committee and
Pemantau Risiko dan Komite Remunerasi dan Remuneration and Nomination Committee. The
Nominasi. Kinerja dari Komite-komite sepanjang performance of the Committees throughout 2024
tahun 2024 sudah memadai dan sangat was adequate and greatly assisted the BoC in
membantu fungsi Dewan Komisaris dalam overseeing the implementation of the Bank's
mengawasi pelaksanaan kegiatan usaha Bank. business activities. The following are
Berikut rekomendasi-rekomendasi yang diberikan recommendations given by the BoC during 2024,
Dewan Komisaris selama tahun 2024, antara lain: including:
Dewan Komisaris merekomendasikan agar The BoC recommends that the BoD and
Direksi dan Manajemen dapat Management formulate a business strategy to
memformulasikan strategi bisnis dalam face the challenging year of 2024 which is also
menghadapi tahun 2024 yang penuh a political year.
tantangan dan juga merupakan tahun politik.
Dewan Komisaris meminta agar Direksi dapat The BoC requested that the BoD review the
mereview kembali produk-produk Bank yang Bank's existing products for competitiveness.
ada apakah masih memiliki daya saing.
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Dewan Komisaris meminta Direksi untuk tetap The BoC requested the BoD to maintain the
menjaga kualitas kredit Bank seiring dengan Bank's credit quality in line with the Bank's
kewajiban Bank untuk terus tumbuh dan obligation to continue to grow and achieve
mencapai target kredit. credit targets.
Dewan Komisaris meminta agar Direksi dapat The BoC requested that the BoD continue to pay
terus berupaya memperhatikan dan attention to and improve the quality of
meningkatkan kualitas pengelolaan risiko compliance risk management.
kepatuhan.
Dewan Komisaris menerima laporan self The BoC received the GCG self-assessment
assessment GCG Semester II tahun 2023, dan report for the second semester of 2023, and
meminta Direksi untuk memperhatikan dan requested the BoD to pay attention to and
meningkatkan pengelolaan fungsi kepatuhan. improve the management of the compliance
function.
Dewan Komisaris memohon perhatian Direksi The BoC draws the attention of the BoD to the
untuk memperhatikan pencapaian kredit Bank. Bank's credit achievement.
Dewan Komisaris memohon perhatian Direksi The BoC draws the attention of the BoD to
untuk memantau posisi NPL Bank. monitor the Bank's NPL position.
Terkait strategi Bank dalam mencapai Regarding the Bank's strategy in achieving the
Corporate Plan, Dewan Komisaris Corporate Plan, the BoC recommends that the
merekomendasikan agar Manajemen dapat Management increase the number of human
meningkatkan penambahan SDM di sisi sektor resources in the corporate sector, both from
corporate, baik dari internal ataupun eksternal. internal and external sources.
Dewan komisaris menerima kajian evaluasi The BoC received a review of the evaluation of
fungsi kepatuhan, dan meminta agar Direksi the compliance function, and requested that
memperhatikan risiko kepatuhan yang dapat the BoD consider the compliance risks.
ditimbulkan.
Dewan Komisaris merekomendasikan agar The BoC recommended that excess employees
pegawai yang berlebih dapat dipindahkan ke be transferred to other departments or
bagian lain atau cabang lain. branches.
Dewan Komisaris meminta agar strategi- The BoC requested that the strategies to
strategi pencapaian Corporate Plan dapat achieve the Corporate Plan be conveyed to all
disampaikan kepada seluruh level karyawan levels of employees at Bank Mestika's 69th
pada Acara Ulang Tahun Bank Mestika ke-69. Anniversary Event.
Dewan Komisaris menghimbau kepada Direksi, The BoC appealed to the BoD, so that all targets
agar semua target dapat dicapai dengan baik. can be achieved well.
Dewan Komisaris meminta agar penerapan The BoC requested that the implementation of
Fraud Detection System dapat dikembangkan the Fraud Detection System be developed on an
secara berkelanjutan. ongoing basis.
Dewan Komisaris merekomendasikan agar The BoC recommends that demographic data
pengecekan data kependudukan dapat checks be carried out for prospective borrowers
dilakukan untuk calon debitur Bank. of the Bank.
Dewan Komisaris meminta Direksi untuk The BoC requested the BoD to pay attention to
menaruh perhatian agar NPL Bank yang dijaga maintaining the Bank's NPL not exceeding
agar tidak melampaui 2.5%. 2.5%.
Dewan Komisaris meminta perhatian Direksi The BoC requested the attention of the BoD
terkait pemenuhan target relokasi DRC Bank. regarding the fulfillment of the Bank's DRC
relocation target.
Dewan Komisaris meminta Manajemen The BoC requests Management to ensure that
memastikan penyediaan data dan komunikasi data provision and communication with KAP
dengan KAP dapat terlaksana dengan baik dan can be carried out properly and optimally so
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optimal agar laporan tahunan audited dapat that the audited annual report can be
tersajikan secara tepat waktu. presented in a timely manner.
Dewan Komisaris meminta Direksi untuk The BoC requested the BoD to create an
membuat program optimalisasi kapasitas employee capacity optimization program
karyawan terkait hasil analisa beban kerja. related to the results of the workload analysis.
Dewan Komisaris meminta perhatian Direksi The BoC draws the attention of the BoD to the
terkait pencapaian DPK periode Mei 2024 yang achievement of third party funds for the period
masih di bawah target. of May 2024, which is still below the target.
Dewan Komisaris meminta Direksi untuk The BoC asked the BoD to evaluate the
mengevaluasi Cabang yang masih belum branches that have not achieved their targets.
mencapai target.
Direksi diminta mengawal tingkat NPL. The BoD was asked to monitor the level of Non
Performing Loan.
Dewan Komisaris meminta agar dilakukan The BoC requested the preparation of Policies
penyusunan Kebijakan dan Prosedur and Procedures for the implementation of the
pelaksanaan RUPS dan melakukan penginian GMS and to review the Guidelines for Affiliated
terhadap Pedoman Transaksi Afiliasi dan Transactions and conflicts of interest.
benturan kepentingan.
Dewan Komisaris merekomendasikan agar The BoC recommended that the BoD review the
Direksi dapat melakukan penginian terhadap Bank's Remuneration Policy in accordance with
Kebijakan Remunerasi Bank sesuai dengan POJK No.17 of 2023 concerning the
POJK No.17 tahun 2023 tentang Penerapan Implementation of Governance for Commercial
Tata Kelola bagi Bank Umum. Banks.
Dewan Komisaris menghimbau Direksi untuk The BoC urges the BoD to strive to achieve the
mengupayakan pencapaian laba Bank yang Bank's profit which tends to decrease from
cenderung menurun dari tahun-tahun previous years for the same period.
sebelumnya untuk periode yang sama.
Dewan Komisaris meminta Direksi untuk The BoC requested the BoD to apply different
menerapkan penanganan yang berbeda pada handling to unproductive Branches according
Cabang yang belum produktif sesuai dengan to the characteristics of each Branch.
karakteristik masing-masing Cabang.
Dewan Komisaris menerima Laporan The BoC received the Monthly Risk Exposure
Pemantauan Eksposur Risiko Bulanan periode Monitoring Report for July 2024, and requested
Juli 2024, dan meminta Direksi untuk the BoD to pay attention to the increase in
memperhatikan peningkatan pada risiko compliance risk.
kepatuhan.
Dewan Komisaris menghimbau Direksi untuk The BoC urged the BoD to improve the
meningkatkan penerapan budaya kepatuhan implementation of the Bank's compliance
Bank. culture.
Dewan Komisaris meminta agar pelaksanaan The BoC requested that the implementation of
kegiatan inklusi keuangan dapat ditingkatkan financial inclusion activities be improved in
sesuai dengan target yang telah ditetapkan. accordance with the set targets.
Dewan Komisaris meminta Direksi untuk The BoC asked the BoD to follow up on the
menindaklanjuti hasil pemeriksaan OJK. results of the OJK audit.
Dewan Komisaris mengingatkan Direksi The BoC reminded the BoD of the efforts to
tentang Upaya meningkatkan penagihan kredit improve the collection of non-performing loans
bermasalah yang dapat juga mendukung which can also support the achievement of
pencapaian target laba. profit targets.
Dewan Komisaris menekankan kembali hasil The BoC reemphasized the results of the
pembahasan yang telah dilakukan di Rapat discussion held at the Joint Meeting of the BoC
Gabungan Dewan Komsiaris dan Direksi, and the BoD, that there are concerns from the
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bahwasanya terdapat kekhawatiran dari BoC and the BoD regarding the target of
Dewan Komisaris dan Direksi terkait target achieving deposits in the midst of intense
pencapaian DPK di tengah ketatnya persaingan liquidity competition.
likuiditas.
Dewan Komisaris mengapresiasi kinerja Direksi The BoC appreciates the performance of the
dalam menjaga posisi NPL, dan tetap meminta BoD in maintaining the NPL position, and still
perhatian Direksi untuk menindaklanjuti rasio requests the attention of the BoD to follow up
NPL yang meningkat pada beberapa Cabang. on the increasing NPL ratio in several Branches.
Dewan Komisaris meminta agar Direksi dapat The BoC requested the BoD to pay attention to
memperhatikan hasil penilaian Profil Risiko the results of the Risk Profile assessment
yang disampaikan oleh OJK. submitted by OJK.
Dewan Komisaris merekomendasikan agar The BoC recommends that all Bank employees
seluruh karyawan Bank dapat menyesuaikan adjust their work processes to the
proses kerja atas implementasi UU implementation of the Personal Data
Pelindungan Data Pribadi. Protection Law.
Dewan Komisaris meminta Direksi untuk tetap The BoC requested the BoD to continue to strive
mengupayakan pencapaian DPK. for the achievement of Third Party Funds.
Terkait target implementasi New Core banking Regarding the implementation target of the
System, Dewan Komisaris dan Direksi meminta New Core banking System, the BoC and BoD
Divisi IT untuk melakukan pemaparan pada requested the IT Division to make a
Rapat Gabungan Dewan Komisaris dan Direksi presentation at the next Joint Meeting of the
periode selanjutnya terkait Struktur Organisasi BoC and BoD regarding the IT Organizational
TI, rencana kerja TI, dan SDM TI. Structure, IT work plan, and IT Human
Resources.
Dewan Komisaris menerima penjelasan dari The BoC received an explanation from the BoD
Direksi terkait tren pencapain DPK yang regarding the declining trend of deposits, and
menurun, dan meminta agar Direksi dapat requested the BoD to make maximum efforts in
berupaya secara maksimal dalam improving the performance of the Branches in
meningkatkan kinerja Cabang dalam collecting deposits.
menghimpun DPK.
Dewan Komisaris menerima penjelasan dari The BoC received an explanation from the BoD
Direksi terkait keterlambatan penyampaian regarding the delay in submitting the
informasi tersebut, dan menghimbau Direksi information, and urged the BoD to avoid such
untuk menghindari keterlambatan dimaksud. delays.
Dewan Komisaris menghimbau Manajemen The BoC urged the Management to carefully
untuk melaksanakan dengan seksama POJK implement POJK No.15 of 2024 on Bank
No.15 Tahun 2024 tentang Integritas Financial Reporting Integrity.
Pelaporan Keuangan Bank.
Dewan Komisaris dan Direksi sepakat meminta The BoC and the BoD agreed to request the
Divisi/Bagian terkait pelaksanaan fungsi-fungsi Division/Section related to the implementation
kerja diatas untuk memberikan penjelasan of the above work functions to provide an
pelaksanaan aktivitas diatas kepada Dewan explanation of the implementation of the above
Komisaris dan Direksi, yakni: activities to the BoC and the BoD, namely:
Bagian Anti-Fraud - Penyampaian terkait Anti-Fraud Section - Submission related to the
pelaksanaan POJK No.12 tahun 2024 tentang implementation of POJK No.12 of 2024 on the
Penerapan Strategi Anti-Fraud bagi Lembaga Implementation of Anti-Fraud Strategies for
Jasa Keuangan; dan POJK No. 15 tahun 2024 Financial Services Institutions; and POJK No. 15
tentang Integritas Pelaporan Keuangan Bank. of 2024 on the Integrity of Bank Financial
Reporting.
Bagian Pelindungan Data Pribadi dan Personal Data and Consumer Protection
Konsumen – Penyampaian terkait pelaksanaan Section - Submission related to the
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POJK No. 22 tahun 2023 tentang Pelindungan implementation of POJK No. 22 of 2023 on
Konsumen dan Masyarakat di Sektor Jasa Consumer and Community Protection in the
Keuangan. Financial Services Sector.
Bagian IT Security dan GRC – Penyampaian IT Security and GRC Section - Submission
terkait pelaksanaan SEOJK related to the implementation of SEOJK No.24
No.24/SEOJK.03/2023 tentang Penilaian /SEOJK.03/2023 regarding the Assessment of
Tingkat Maturitas Digital Bank Umum. the Digital Maturity Level of Commercial Banks.
Bagian APUPPT – Penyampaian terkait POJK AML CFT Section - Submission related to POJK
No. 8 tahun 2023 tentang Penerapan Program No. 8 of 2023 regarding the Implementation of
Anti Pencucian Uang, Pencegahan Pendanaan Anti-Money Laundering Programs, Prevention
Terorisme, dan Pencegahan Pendanaan of Financing of Terrorism, and Prevention of
Proliferasi Senjata Pemusnah Massal di Sektor Financing the Proliferation of Weapons of Mass
Jasa Keuangan. Destruction in the Financial Services Sector.
Bagian Accounting dan Bagian Treasury – Accounting Section and Treasury Section -
Penyampaian terkait POJK No. 13 tahun 2024 Submission related to POJK No. 13 of 2024
tentang Transparansi dan Publikasi Suku Bunga regarding Transparency and Publication of
Dasar Kredit Bagi Bank Umum Konvensional. Basic Credit Interest Rates for Conventional
Commercial Banks.
Dewan Komisaris mengharapkan ada The BoC expects attention to be paid to efforts
perhatian terhadap upaya peningkatan DPK. to increase deposits.
Dewan Komisaris meminta Direksi untuk tetap The BoC requests the BoD to maintain the Non
menjaga rasio NPL. Performing Loan ratio.
Pelatihan dan/atau peningkatan kompentensi Training and/or competency improvement for
anggota Dewan Komisaris members of the Board of Commissioners
Pada Pedoman dan Tata Tertib Dewan Komisaris The Code of Conduct of the Board of
diatur mengenai program peningkatan Commissioners regulates the competency
kompetensi. improvement program.
Dewan Komisaris memastikan kompetensi, The BoC ensures that competence, knowledge and
pengetahuan dan pemahaman perkembangan understanding of the development of the
karakteristik & kompleksitas kegiatan perbankan characteristics & complexity of banking activities
senantiasa dimuktahirkan, melalui metode- are continuously updated, through the following
metode sebagai berikut: methods:
Reguler, yakni updating yang dilakukan Regular, such as self-administered updates on
sendiri mengenai perkembangan peraturan & the development of rules & regulations,
regulasi, kondisi keuangan dan ekonomi serta financial and economic conditions and other
isu lain yang relevan. relevant issues.
Program Pengembangan, yakni mengikuti Development program, such as attending
seminar, pelatihan, sertifikasi dan kegiatan seminars, training, certification and other
lainnya yang sejenis. similar activities.
Program Penyegaran, yakni mengikuti Refreshment Program, namely participating
kegiatan pelatihan dan seminar yang bersifat in training activities and seminars that are
penyegaran pada berbagai penerapan dalam refresher on various applications in banking
manajemen perbankan, seperti program management, such as refresher programs
penyegaran yang berlaku pada ketentuan that apply to the provisions of risk
penerapan manajemen risiko. management implementation.
Sepanjang tahun 2024, Dewan Komisaris Throughout 2024, the Board of Commissioners
senantiasa mengikuti kegiatan pelatihan dan/atau continued to participate in training and/or
peningkatan kompetensi anggota Dewan competency improvement activities for members
Komisaris, antara lain Integrated AI Innovation of the Board of Commissioners, including
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with ISO/IEC 42001; Sosialisasi Pelindungan Integrated AI Innovation with ISO/IEC 42001;
Konsumen terkait POJK Nomor 22 tahun 2023 Socialization of Consumer Protection related to
tentang Pelindungan Konsumen dan Masyarakat POJK Number 22 of 2023 concerning Consumer
di Sektor Jasa Keuangan; Program Penyelarasan and Community Protection in the Financial
Sertifikasi Manajemen Risiko J6 bagi Komisaris; Services Sector; J6 Risk Management Certification
Training Pembekalan dan Sertifikasi CGOP Alignment Program for Commissioners; CGOP
(Certified Governance Oversight Professional); (Certified Governance Oversight Professional)
Video Learning Transformasi Digital dan Debriefing and Certification Training; Digital
Sosialisasi IT Security Awareness. Transformation Video Learning and IT Security
Awareness Socialization.
Penilaian kinerja Dewan Komisaris BoC performance assessment
Dewan Komisaris telah memiliki Pedoman dan BoC has a Board of Commissioners Charter which
Tata Tertib Dewan Komisaris yang didalamnya stipulates that the Board of Commissioners
mengatur bahwa Dewan Komisaris melakukan conducts a self-assessment of the performance of
penilaian sendiri atas kinerja Dewan Komisaris. the Board of Commissioners. In addition, the Bank
Disamping itu, Bank telah memiliki kebijakan self- has a Board of Commissioners performance self-
assessment kinerja Dewan Komisaris yang assessment policy which was last updated by
terakhir dikinikan dengan Surat Keputusan Internal Decree No.002/SK-BMD/DIR/2025 dated
Internal No.002/SK-BMD/DIR/2025 tanggal 22 January 22nd, 2025. Self-assessment of the
Januari 2025. Self-assessment kinerja Dewan performance of the Board of Commissioners is
Komisaris dilakukan secara berkala, satu kali conducted periodically, once a year, in the first
dalam satu tahun, dilakukan pada triwulan quarter after the end of the relevant year and is
pertama setelah berakhirnya tahun bersangkutan conducted collegially in the Board of
dan dilakukan secara kolegial dalam Rapat Dewan Commissioners Meeting.
Komisaris.
Kriteria yang digunakan seperti capaian kinerja The criteria used include performance
selama tahun buku, kompetensi dan kehadiran achievements during the financial year,
dalam rapat. Penilaian self-assessment kinerja competence and attendance at meetings. The self-
Dewan Komisaris meliputi 11 (sebelas) faktor assessment of the Board of Commissioners'
penilaian antara lain: performance includes 11 (eleven) assessment
factors, among others:
Landasan Hukum dan Ketentuan Underlying Provisions and Regulations.
Organisasi dan Keanggotaan Organization and Membership.
Prosedur Keputusan Dewan Komisaris Board of Commissioners Decision Procedure
Etika Kerja Code of Ethics.
Larangan Prohibition
Independensi Independency.
Tugas dan Wewenang Duties and Authorities.
Benturan Kepentingan dan Transparansi Conflict of Interest and Transparency
Rapat Meeting.
Hubungan kerja Dewan Komisaris dan Direksi Work Relationship between the BoC and BoD.
Program Peningkatan Kompetensi & Evaluasi Appropriate Competency Enhancement
Kinerja Program and Performance Evaluation.
Hasil penilaian self-assessment kinerja Dewan The results of the self-assessment of the
Komisaris untuk tahun 2024 menunjukkan hasil performance of the Board of Commissioners for 2024
“Sangat Baik”. showed a result of “Very Good”.
Penilaian terhadap masing-masing Komisaris yang The assessment of each Commissioner includes
mencakup kehadiran, partisipasi, peran, attendance, participation, role, providing
pemberian rekomendasi/saran dari masing- recommendations/suggestions from each
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masing Komisaris dalam menjalankan fungsi Commissioner in carrying out the supervisory
pengawasan. function.
Nama Jabatan / Jumlah Jumlah Jumlah Kehadiran Rekomendasi Rekomendasi
Dewan Position Kehadiran Kehadiran Kehadiran Pada Rapat Rapat
Komisaris Rapat Rapat Rapat Komite RUPST Dewan Komisaris Dewan Komisaris
/ Dewan Gabungan Audit, Komite 2024 / / dan
Boc Komisaris / Dewan Pemantau Attendance BoC Meeting Direksi /
Attendance Komisaris Risiko, dan in GMS Recommendations Joint Meeting of
of BoC dan Direksi Komite BoC & BoD
Meeting / Remunerasi / Recommendations
Attendance Attendance
of Joint of Committee
Meeting of Meeting
Boc and
BoD
Witarsa Presiden 10 kali 10 kali - Hadir 43 13
Oemar Komisaris (90.91%) (90.91%) Present (empat puluh tiga) (tiga belas
President 10 times 10 times rekomendasi rekomendasi)
Commissioner (90.91%) (90.91%) 43 13
Indra Komisaris 9 kali 9 kali Komite Hadir (fourty three (thirteen
Halim Commissioner (81.82%) (81.82%) Remunerasi & Present recommendations) recommendations)
9 times 9 times Nominasi
(81.82%) (81.82%) 6 kali
(100%)
Remuneration
and
Nomination
Committee
6 times
(100%)
Katio Komisaris 11 kali 11 kali Komite Hadir
Independen (100%) (100.00%) Pemantau Present
Independent 11 times 11 times Risiko
Commissioner (100%) (100%) 12 kali
(100%)
Risk Oversight
Committee
12 times
(100%)
Komite
Remunerasi &
Nominasi
6 kali
(100%)
Remuneration
and
Nomination
Committee
6 times
(100%)
Gardjito Komisaris 11 kali 11 kali Komite Audit Hadir
Heru Independen (100%) (100.00%) 13 kali Present
Independent 11 times 11 times (100%)
Commissioner (100%) (100%) Audit
Committee
13 times
(100%)
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Penilaian Dewan Komisaris terhadap kinerja The Board of Commissioners' assessment of the
Komite yang mendukung pelaksanaan tugas performance of the Committees that support the
Dewan Komisaris Board of Commissioners' duties.
Berdasarkan Pedoman dan Tata Tertib Dewan Based on the Board of Commissioners' Charter, the
Komisaris, Dewan Komisaris wajib melakukan Board of Commissioners is required to evaluate the
evaluasi terhadap kinerja komite sekurang- performance of the committees at least at the end
kurangnya pada setiap akhir tahun buku. Untuk of each financial year. To assist the implementation
membantu pelaksanaan tugas dan tanggung of the duties and responsibilities of the Board of
jawab Dewan Komisaris, Dewan Komisaris Commissioners, the Board of Commissioners
membentuk Komite Audit, Komite Pemantau established the Audit Committee, Risk Monitoring
Risiko, dan Komite Remunerasi dan Nominasi. Committee, and Remuneration and Nomination
Setiap akhir tahun, Dewan Komisaris telah Committee. At the end of each year, the Board of
melakukan evaluasi terhadap fungsi masing – Commissioners has evaluated the function of each
masing Komite tersebut berdasarkan dengan of these Committees in accordance with applicable
ketentuan yang berlaku. Dewan Komisaris menilai regulations. The Board of Commissioners assesses
fungsi Komite Audit, Komite Pemantau Risiko, that the functions of the Audit Committee, Risk
serta Komite Remunerasi dan Nominasi telah Monitoring Committee, and Remuneration and
dijalankan sesuai dengan ketentuan. Penilaian Nomination Committee have been carried out in
Dewan Komisaris tersebut dilakukan berdasarkan accordance with the provisions. The Board of
tugas dan tanggung jawab dari masing-masing Commissioners' assessment is based on the duties
komite, termasuk kontribusi dan frekuensi and responsibilities of each committee, including
kehadiran dalam Rapat. Kehadiran seluruh contributions and frequency of attendance at
anggota komite telah sesuai dengan ketentuan meetings. The attendance of all committee
dan menghasilkan rekomendasi yang akan members was in accordance with the provisions
disampaikan kepada Dewan Komisaris dalam and resulted in recommendations that will be
Rapat Dewan Komisaris. Pada tahun 2024, Komite submitted to the Board of Commissioners in the
Audit mengadakan 13 (tiga belas) kali Rapat, Board of Commissioners Meeting. In 2024, the
Komite Pemantau Risiko mengadakan 12 (dua Audit Committee held 13 (thirteen) meetings, the
belas) kali rapat, serta Komite Remunerasi dan Risk Monitoring Committee held 12 (twelve)
Nominasi mengadakan 6 (enam) kali rapat. meetings, and the Remuneration and Nomination
Committee held 6 (six) meetings.
4. Nominasi dan remunerasi Direksi dan Komisaris 4. Nomination and remuneration of BoD and BoC
Prosedur penetapan nominasi dan remunerasi Nomination and remuneration determination
procedures
Bank telah memiliki Kebijakan Suksesi Direksi The Bank has a Board of Directors and
dan Komisaris yang telah ditetapkan melalui SK Commissioners Succession Policy that has been
No.024/SK-BMD/DIR/2023 tanggal 13 April established through Decree No.024/SK-
2023. BMD/DIR/2023 dated April 13th, 2023.
Mekanisme nominasi anggota Direksi dan/atau The nomination mechanism for members of the
Komisaris adalah sebagai berikut: Board of Directors and/or Commissioners is as
follows:
Usulan dari Pemegang Saham/Dewan Proposals from Shareholders/
Komisaris/Presiden Direktur terkait BoC/President Director regarding the
nominasi Dewan Komisaris dan/atau Direksi nomination of the BoC and/or BoD are
disampaikan kepada Dewan Komisaris. submitted to the BoC.
Bank dapat menggunakan jasa pihak ketiga The Bank may use the services of a third
dalam rangka melakukan pencarian party in order to search for candidates for
kandidat Dewan Komisaris dan/atau the BoC and/or Directors.
Direksi.
Dewan Komisaris meminta kepada Komite The BoC requests the Remuneration and
Remunerasi dan Nominasi untuk Nomination Committee to discuss proposals
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membahas usulan terkait nominasi Dewan related to the nomination of the BoC and /
Komisaris dan/atau Direksi. or Directors.
Komite Remunerasi dan Nominasi The Remuneration and Nomination
melakukan pembahasan terkait usulan yang Committee discusses the proposal given by
diberikan oleh Dewan Komisaris, dengan the BoC, taking into account the following
mempertimbangkan hal-hal sebagai matters:
berikut:
o Alasan dan/atau pertimbangan atas o Reasons and/or considerations for the
usulan, proposal,
o Kualifikasi kandidat yang dicalonkan, o Qualifications of the nominated
candidate,
o Hasil komunikasi dengan pemegang o The results of communication with the
Saham Pengendali jika usulan bukan Controlling Shareholders if the proposal
berasal dari Pemegang Saham does not come from the Controlling
Pengendali. Shareholders.
Atas hasil pembahasan, Komite Remunerasi Based on the discussion, the Remuneration
dan Nominasi akan menyampaikan and Nomination Committee will submit
rekomendasi kepada Dewan Komisaris. recommendations to the BoC.
Berdasarkan rekomendasi Komite Based on the recommendation of the
Remunerasi dan Nominasi, Dewan Remuneration and Nomination Committee,
Komisaris memutuskan untuk mengajukan the BoC decides to propose candidates for the
calon Dewan Komisaris dan/atau Direksi ke BoC and/or BoD to the GMS.
RUPS.
Pemimpin RUPS akan meminta persetujuan The Chairman of the GMS will seek
Pemegang Saham dalam mata acara RUPS Shareholders' approval in the GMS agenda
terkait nominasi Dewan Komisaris dan/atau related to the nomination of the BoC and/or
Direksi. BoD.
Setelah mendapat persetujuan RUPS, After obtaining GMS approval, the approval
persetujuan dimaksud dituangkan dalam is stated in the GMS Minutes which become
Berita Acara RUPS yang menjadi dasar fit the basis for the fit and proper test of the
and proper test calon Dewan Komisars candidates for the BoCand/or BoD.
dan/atau Direksi.
Komite Remunerasi dan Nominasi memberikan The Remuneration and Nomination Committee
rekomendasi kepada Dewan Komisaris provides recommendations to the Board of
mengenai struktur remunerasi; kebijakan atas Commissioners regarding the structure of
remunerasi; besaran atas remunerasi. Komite remuneration; policy on remuneration; amount
Remunerasi dan Nominasi membantu Dewan of remuneration. The Remuneration and
Komisaris dalam melakukan evaluasi terhadap Nomination Committee assists the Board of
kebijakan remunerasi yang didasarkan atas Commissioners in evaluating the remuneration
kinerja, risiko, kewajaran dengan peer group, policy based on performance, risk, fairness with
sasaran, dan strategi jangka panjang, peer groups, long-term goals and strategies, and
pemenuhan cadangan. Disamping itu, Komite fulfillment of reserves. In addition, the
Remunerasi dan Nominasi menyampaikan hasil Remuneration and Nomination Committee
remunerasi bagi Direksi dan Komisaris untuk submits the results of remuneration for Directors
disampaikan kepada RUPS. and Commissioners to be submitted to the GMS.
Proses Penyusunan Kebijakan Remunerasi Remuneration Policy Development Process
Tinjauan Latar Belakang dan Tujuan Kebijakan Remuneration Policy Background and
Remunerasi Objectives Overview
Kebijakan remunerasi Bank Mestika disusun Bank Mestika's remuneration policy is prepared
berdasarkan POJK No.17 Tahun 2023 tentang based on POJK No.17 of 2023 concerning the
Penerapan Tata Kelola bagi Bank Umum; POJK Implementation of Governance for Commercial
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No.45/POJK.03/2015 dan SEOJK Banks; POJK No.45/POJK.03/2015 and SEOJK
No.40/SEOJK.03/2016 tentang Penerapan Tata No.40/SEOJK.03/2016 concerning the
Kelola dalam Pemberian Remunerasi bagi Bank Implementation of Governance in Providing
Umum. Tujuan kebijakan remunerasi ini agar Remuneration for Commercial Banks. The
penetapan remunerasi dilakukan purpose of this remuneration policy is so that the
memperhatikan tata kelola dan dilakukan determination of remuneration takes into
sesuai dengan ketentuan. account governance and is carried out in
Kebijakan remunerasi ini mencakup dasar- accordance with the provisions.
dasar penentuan remunerasi yang bersifat This remuneration policy includes the basis for
tetap dan variabel serta pertimbangan- determining fixed and variable remuneration
pertimbangan lainnya dalam penentuan and other considerations in determining the
jumlahnya. amount.
Pelaksanaan kaji ulang atas kebijakan Review of the previous year's remuneration
remunerasi pada tahun sebelumnya, beserta policy, along with improvements.
perbaikannya
Bank telah melakukan penginian terhadap The Bank has updated its remuneration policy by
kebijakan remunerasi pada akhir tahun 2024, the end of 2024, to improve governance in
guna meningkatkan tata kelola dalam remuneration. The Remuneration Policy has
pemberian remunerasi. Kebijakan Remunerasi been reviewed in the Remuneration and
telah direview dalam rapat Komite Remunerasi Nomination Committee meeting and approved
dan Nominasi dan disetujui oleh Dewan by the Board of Commissioners. Bank Mestika's
Komisaris. Kebijakan remunerasi Bank Mestika remuneration policy is stipulated through
ditetapkan melalui Surat Keputusan No.077/SK- Decree No.077/SK-BMD/DIR/2024.
BMD/DIR/2024.
Mekanisme remunerasi bagi pegawai di unit The remuneration mechanism for employees in
kontrol bersifat independen dari unit kerja the control unit is independent of the
yang diawasi supervised work unit.
Unit Kontrol di Bank Mestika terdiri dari Satuan The Control Unit in Bank Mestika consists of
Kerja Audit Intern (SKAI), Satuan Kerja Internal Audit Work Unit (SKAI), Risk
Manajemen Risiko (SKMR), dan Satuan Kerja Management Work Unit (SKMR), and
Kepatuhan (SKK). Untuk menjaga independensi Compliance Work Unit (SKK). To maintain the
dari unit kerja yang di awasi, maka SKMR dan independence of the supervised work units,
Satuan Kerja Kepatuhan berada di bawah SKMR and Compliance Work Unit are under the
Direktur Kepatuhan, sedangkan SKAI langsung Compliance Director, while SKAI is directly
bertanggung jawab kepada Presiden Direktur. responsible to the President Director. As for
Adapun mengenai remunerasi, tetap mengacu remuneration, it still refers to the salary scale
kepada skala gaji yang telah diatur dalam that has been regulated in the general
ketentuan remunerasi secara umum, namun remuneration provisions, but regarding the KPI
mengenai penilaian KPI yang menjadi dasar assessment which is the basis for the
perkalian pemberian remunerasi yang bersifat multiplication of variable remuneration, it is
variabel, dinilai oleh Direktur atau Pejabat assessed by the Director or Division/Division
Divisi/Bagian yang bersangkutan. Official concerned.
Cakupan kebijakan remunerasi Remuneration policy coverage
cakupan kebijakan Remunerasi dan Remuneration policy coverage and
implementasinya per unit bisnis, per wilayah implementation per business unit, per region in
dalam bentuk remunerasi tetap dan variable the form of fixed and variable remuneration
yang ditentukan berdasarkan kinerja Bank, determined based on Bank performance, work
kinerja unit kerja, dan kinerja individu. unit performance, and individual performance.
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Remunerasi dikaitkan dengan risiko Remuneration Associated with Risk
Jenis risiko utama (key risk) yang digunakan Types of key risks used in applying
dalam menerapkan remunerasi remuneration
Risiko utama Bank Mestika yang Bank Mestika's main risk considered in
dipertimbangkan dalam penetapan remunerasi determining remuneration is credit risk.
adalah risiko kredit.
Kriteria penetapan jenis risiko utama Criteria for determining the main risk type
Penerapan Manajemen Risiko di Bank Mestika The implementation of Risk Management in
mencakup risiko yaitu risiko kredit, risiko pasar, Bank Mestika covers credit risk, market risk,
risiko likuiditas, risiko operasional, risiko liquidity risk, operational risk, legal risk,
hukum, risiko reputasi, risiko stratejik, dan reputation risk, strategic risk, and compliance
risiko kepatuhan. Risiko kredit merupakan risiko risk. Credit risk is the most dominant risk due to
yang paling dominan karena fokus pada the focus on fund disbursement activities as the
aktivitas penyaluran dana sebagai bisnis utama. main business. In addition, based on the
Selain itu, berdasarkan perjalanan operasional operational journey until now, basically the Bank
sampai sekarang ini, pada dasarnya tidak has never experienced material or significant
pernah mengalami kerugian yang cukup losses that could put it in a bankrupt or insolvent
material atau siginifikan yang dapat condition. The losses experienced so far are
memposisikan dalam kondisi pailit atau normal in business practice, including the quality
bangkrut. Adapun kerugian yang dialami selama of debtors who do not perform such as: Sub-
ini merupakan kewajaran dalam praktis bisnis Standard, Doubtful or Loss.
diantaranya adalah kualitas debitur yang tidak
perform seperti: Kurang Lancar, Diragukan,
atau Macet.
Kualitas kredit yang tidak perform dimaksud The credit quality that does not perform is still in
masih dalam kondisi yang wajar dan tetap reasonable conditions and still refers to the
mengacu kepada ketentuan regulator, sehingga provisions of the regulator, so that it still earns a
tetap masih memperoleh keuntungan yang reasonable profit every year. However, to fulfill
wajar setiap tahun. Namun untuk memenuhi the requirement of determining the main risk
ketentuan yaitu menentukan faktor yang factor in this policy, it is agreed that the main
menjadi risiko utama dalam kebijakan ini, maka risk of Bank Mestika is “Credit Risk”.
disepakati bahwa yang menjadi risiko utama
Bank Mestika adalah “Risiko Kredit”.
Dampak penetapan risiko utama terhadap The impact of determining key risks on variable
kebijakan remunerasi bersifat variabel remuneration policy.
Risiko Utama yaitu Risiko Kredit dipastikan The main risk, which is Credit Risk, certainly has
mempunyai dampak terhadap Remunerasi an impact on Variable Remuneration, because
Yang Bersifat Variabel, karena dengan adanya with a decrease in credit quality, an increase in
penurunan kualitas kredit harus dibentuk allowance for impairment losses must be
pertambahan CKPN yang mempengaruhi formed, which affects the company's profits.
keuntungan perusahaan. Keuntungan yang Reduced profits (losses) will affect the KPI
berkurang (rugi) akan mempengaruhi penilaian assessment, and in turn affect the provision of
KPI, dan dengan sendirinya berpengaruh Variable Remuneration.
terhadap pemberian Remunerasi Yang Bersifat
Variabel.
Tidak terdapat perubahan penentuan jenis There is no change in the determination of the
risiko utama dibandingkan dengan penentuan main risk type compared to the determination
jenis risiko utama tahun lalu. of the main risk type last year.
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Pengukuran kinerja dikaitkan dengan Performance measurement associated with
remunerasi remuneration
Bonus: Khusus untuk pemberian Bonus: Specifically for the provision of
Remunerasi Yang Bersifat Variabel yang Variable Remuneration which is commonly
lazimnya disebut Bonus selalu dikaitkan referred to as Bonus, it is always related to
dengan kinerja pegawai yang bersangkutan the performance of the employee concerned
dan penilaian kinerja kantor. Bank Mestika and the office performance assessment.
telah mempunyai sistem untuk menilai Bank Mestika already has a system to assess
kinerja pegawai atau yang yang dikenal employee performance or known as KPI (Key
dengan istilah KPI (Key Performance Performance Indicator) using the balanced
Indicator) dengan menggunakan sistim scorecard system and office performance
balanced scorecard dan penilaian kinerja assessment based on the achievement of
kantor yang berdasarkan pencapaian target office business targets.
bisnis kantor.
Penilaian kinerja pegawai dalam setahun Employee performance assessment in a year
digolongkan dalam 5 (lima) kriteria, yaitu: is classified into 5 (five) criteria, namely:
Istimewa, Sangat Baik, Baik, Perlu Excellent, Very Good, Good, Needs
Perbaikan, dan tidak memenuhi. Improvement, and does not meet.
Penilaian kinerja kantor dalam setahun juga Employee performance appraisal in a year is
digolongkan dalam 5 (lima) kriteria, yaitu: classified into 5 (five) criteria, namely:
Istimewa, Baik, cukup, terbatas, dan kurang. Excellent, Very Good, Good, Needs
Improvement, and Unsatisfactory.
Besaran bonus berdasarkan penilaian The amount of bonus based on the
kinerja kantor dan kinerja pegawai akan assessment of office performance and
diusulkan tersendiri oleh Komite employee performance will be proposed
Remunerasi dan Nominasi kepada Dewan separately by the Remuneration and
Komisaris untuk ditetapkan. Nomination Committee to the Board of
Commissioners for determination.
Tantiem Direksi dan Komisaris Tantiem for Directors and Commissioners
Tantiem merupakan bagian dari Tantiem is part of the profit given to
keuntungan yang diberikan kepada Direksi Directors and Commissioners in addition to
dan Komisaris selain daripada bonus diatas. the bonus above. Tantiem is determined by
Tantiem ditentukan dari laba bersih the company's net profit for the year before
perusahaan tahun sebelum apabila if the profit achievement is above. The
pencapaian laba diatas. Pembagian distribution is proportional to each of the
tersebut secara proporsional kepada Directors & Commissioners.
masing-masing Direksi & Komisaris.
Penyesuaian remunerasi dikaitkan dengan Remuneration adjustments associated with
Kinerja dan Risiko Performance and Risk
Kebijakan mengenai Remunerasi yang Bersifat Policy on deferred variable remuneration, its
Variabel yang ditangguhkan, besarannya, dan amount, and criteria for determining the
kriteria untuk menetapkan besaran tersebut. amount.
Bank menetapkan pihak yang menjadi Material The Bank determines the parties who become
Risk Taker (MRT) yang paling sedikit memenuhi Material Risk Takers (MRT) who at least meet
kriteria sebagai berikut: the following criteria:
Direksi dan/atau Pegawai lainnya yang Directors and/or other employees who due
karena tugas dan tanggung jawabnya to their duties and responsibilities make
mengambil Keputusan yang berdampak decisions that have a significant impact on
signifikan terhadap profil risiko; atau the risk profile; or
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Direksi, Dewan Komisaris dan/atau Directors, Board of Commissioners and/or
Pegawai yang memperoleh Remunerasi Employees who receive variable
yang bersifat Variabel dengan nilai yang remuneration with a large value.
besar.
Penetapan risiko yang dikaitkan dengan Determination of risks associated with variable
remunerasi yang bersifat variabel, remuneration, taking into account the most
memperhatikan risiko yang paling influential risks in business activities as the main
berpengaruh dalam kegiatan usaha sebagai risk.
risiko utama.
Penetapan Material Risk Taker dilakukan Material Risk Taker determination is carried out
dengan pendekatan metode kualitatif. using a qualitative method approach. Based on
Berdasarkan metode pendekatan tersebut, this approach, Directors and/or Employees who
Direksi dan/atau Pegawai yang karena tugas due to their duties and responsibilities make
dan tanggung jawabnya mengambil Keputusan decisions that have a significant impact on the
yang berdampak signifikan terhadap profil risk profile are designated as MRT.
risiko ditetapkan sebagai MRT.
Atas dasar pertimbangan bahwa NPL kredit Based on the consideration that Bank Mestika's
Bank Mestika selama ini sebelum hapus buku, NPL loans prior to write-off, are still considered
masih dianggap wajar tidak melebihi 8%, reasonable not exceeding 8%, but with due
namun dengan memperhatikan azas kehati- regard to the principle of prudence and fairness,
hatian serta keadilan, memutuskan it is decided that the variable remuneration
remunerasi yang bersifat variabel yang deferred payment is 10% (ten percent) of the
ditangguhkan pembayarannya adalah sebesar variable remuneration received annually from
10% (sepuluh persen) dari remunerasi yang each Material Risk Taker (MRT) referred to
bersifat variabel yang diterima setiap tahun above.
dari masing-masing Material Risk Taker (MRT)
dimaksud diatas.
Penangguhan pembayaran remunerasi The deferral of remuneration payment of 10%
sebesar 10% dimaksud, diberikan dalam referred to, is given in the form of Bank Mestika
bentuk saham Bank Mestika secara gabungan shares on a combined basis without taking into
tanpa diperhitungkan bunga yang dapat account the interest that can be owned by the
dimiliki oleh MRT, secara proporsional selama MRT, proportionally for 3 (three) years since the
3 (tiga) tahun sejak remunerasi bersifat variable remuneration is approved.
variabel disetujui.
Kebijakan Bank mengenai remunerasi yang The Bank's policy on deferred variable
bersifat variabel yang ditangguhkan yang remuneration that is deferred (malus), or
ditunda pembayarannya (malus), atau ditarik clawed back in the event that it has already
kembali dalam hal sudah dibayarkan been paid (clawback).
(clawback).
Pelaksanaan pembayaran kembali (malus) Implementation of repayment (malus) to
kepada Material Risk Taker (MRT) Material Risk Taker (MRT)
Apabila di dalam masa penangguhan If within the payment suspension period
pembayaran sejak tahun yang dijadikan since the year used as the basis for payment
dasar pembayaran Remunerasi Yang of Variable Remuneration, there is no abuse
Bersifat Variabel, tidak terdapat of credit granting decisions that could
penyalahgunaan keputusan pemberian potentially be subject to criminal sanctions,
kredit yang berpotensi dikenakan sanksi then the Variable Remuneration Suspended
pidana, maka Remunerasi Yang Bersifat Payment or 10%, which is kept in the
Variabel Yang Ditangguhkan Pembayaran aforementioned escrow account can be paid
dimaksud atau sebesar 10%, yang disimpan back for each Material Risk Taker. In this
di rekening penampungan dimaksud dapat condition, repayment can also be made
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dibayarkan kembali untuk masing-masing every year within the 3 (three) year period
Material Risk Taker tersebut. Dalam kondisi proportionally.
ini, dapat juga dilakukan pembayaran
kembali setiap tahun dalam kurun waktu 3
(tiga) tahun tersebut secara proporsional.
Sebagai contoh apabila dalam jangka 1 For example, if within 1 (one) year there is
(satu) tahun tidak ditemukan no abuse of credit granting decisions that
penyalahgunaan keputusan pemberian could potentially be subject to criminal
kredit yang berpotensi dikenakan sanksi sanctions, then the suspension of
pidana, maka dapat dibayarkan kembali remuneration can be paid back by 1/3 of the
penangguhan Remunerasi dimaksud total suspension of remuneration; likewise
sebesar 1/3 dari total penangguhan in the second and third years.
Remunerasi tersebut; demikian juga pada
tahun kedua dan ketiga.
Pelaksanaan menarik Kembali remunerasi Implementation of clawing back variable
yang bersifat variabel yang telah remuneration that has been paid
dibayarkan (clawback). (clawback).
Apabila dikemudian hari dapat dibuktikan If in the future it can be proven that there is a
adanya penyalahgunaan keputusan misuse of credit granting decisions that have
pemberian kredit yang telah mempunyai legal provisions as a criminal offense, then
ketetapan hukum sebagai tindak pidana, the Variable Remuneration received for the
maka Remunerasi Yang Bersifat Variabel year of implementation of the credit granting
yang diterima untuk tahun pelaksanaan decision, whether received in cash or
pemberian keputusan pemberian kredit deferred (Malus), must be withdrawn for
tersebut, baik yang diterima tunai maupun profit. The withdrawal mechanism is
yang ditangguhkan (Malus), harus ditarik implemented by not paying the Variable
kembali untuk keuntungan. Mekanisme Remuneration, both received in cash and
penarikan kembali dimaksud dilaksanakan deferred, in the year the court decision
dengan cara tidak membayarkan determines that the credit granting decision
Remunerasi Yang Bersifat Variabel baik is a criminal offense, which is equal to the
yang diterima secara tunai maupun yang amount of Variable Remuneration for the
ditangguhkan pada tahun keputusan year of implementation of the credit granting
pengadilan ditetapkannya keputusan decision.
pemberian kredit tersebut sebagai tindak
pidana, yang jumlahnya sama dengan
jumlah Remunerasi Yang Bersifat Variabel
untuk tahun pelaksanaan pemberian
Keputusan pemberian kredit dimaksud.
Untuk tertibnya pelaksanaan proses For the orderly implementation of the process
penarikan kembali Remunerasi Yang of withdrawing this Variable Remuneration,
Bersifat Variabel ini, dengan tujuan with the aim of obtaining a fair and balanced
memperoleh keputusan yang adil dan decision for all Material Risk Takers, it should
berimbang bagi semua Material Risk Taker, be carried out through deliberations
hendaknya dilakukan melalui musyawarah involving the majority or controlling
yang melibatkan Pemegang Saham Shareholders / Commissioners / Directors by
mayoritas atau pengendali/ Komisaris/ discussing several issues for consideration,
Direksi dengan mendiskusikan beberapa isu among others:
sebagai bahan pertimbangan, antara lain:
o Pelaku/tersangka utama pemberian o The main perpetrator/suspect of the
kredit dimaksud; loan;
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o Jumlah uang yang disimpangkan atau o Amount of money misappropriated or
potensi kerugian; potential loss;
o Jumlah uang yang bisa diselamatkan o The amount of money that can be
atau ditagih kembali. recovered or collected.
Kebijakan pembayaran (vesting) atas The vesting policy for deferrals made, among
penangguhan yang dilakukan antara lain others, the period of payment
jangka waktu pembayaran
Remunerasi Yang Bersifat Variabel Yang The deferred variable remuneration or 10%,
Ditangguhkan Pembayaran dimaksud atau which is kept in the escrow account can be
sebesar 10%, yang disimpan di rekening repaid to each Material Risk Taker. In this
penampungan dimaksud dapat dibayarkan condition, it can also be repaid every year within
kembali untuk masing-masing Material Risk the 3 (three) year period proportionally.
Taker tersebut. Dalam kondisi ini, dapat juga
dilakukan pembayaran kembali setiap tahun
dalam kurun waktu 3 (tiga) tahun tersebut
secara proporsional.
Bank tidak menggunakan konsultan ekstern The Bank does not use external consultants in
dalam penyusunan Kebijakan Remunerasi. the preparation of the Remuneration Policy.
Struktur Remunerasi Direksi dan Dewan Komisaris / Remuneration Structure of Board of Directors and
Board of Commissioners
Paket Remunerasi dan Fasilitas yang Diterima oleh Direksi dan Dewan Komisaris Mencakup Struktur
Remunerasi dan Rincian Jumlah Nominal
The Remuneration Package and Facilities Received by the BoD and the BoC Include the Remuneration
Structure and Details of the Nominal Amount
Jumlah yang Diterima tahun 2023/ Jumlah yang Diterima tahun 2024/
Amount Received in 2023 Amount Received in 2024
Direksi/ Dewan Direksi/ Dewan
Jenis Remunerasi dan Fasilitas/ BoD Komisaris/ BoD Komisaris/
Type of Remuneration and BoC BoC
Facilities Orang/ Juta Orang/ Juta Orang/ Juta Orang/ Juta
Persons (Rp)/ Persons (Rp)/ Persons (Rp)/ Persons (Rp)/
Million Million Million Million
(Rp) (Rp) (Rp) (Rp)
Gaji, bonus, tunjangan rutin,
tantiem dan fasilitias lain dalam
bentuk non natura 5 23,789 4 7,501 5 20,281 4 6,866
Salary, bonus, routine allowance,
tantiem, other non natura facility
Fasilitas lain dalam bentuk natura
(perumahan, asuransi kesehatan,
dsb) yang:
Other natura facilities (housing,
health insurnce, etc) that: - - - - - - - -
a. dapat dimiliki
can be owned
b. tidak dapat dimiliki
5 1,499 - - 5 1,653 - -
cannot be owned
Total/Total 5*) 25,288 4 7,501 5*) 21,934 4 6,866
*) Jumlah Direksi sebanyak 5 orang / The number of Directors is 5 persons
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Besaran Remunerasi Direksi dan Dewan Komisaris / Amount of Remuneration for Board of Directors and
Board of Commissioners
Paket Remunerasi yang dikelompokkan dalam Tingkat Penghasilan yang Diterima oleh Direksi dan Anggota
Dewan Komisaris pada tahun 2023 dan 2024
Remuneration Packages Categorized by the Level of Income Received by BoD and members of the BoC in 2023
and 2024
2023 2024
Jumlah Jumlah
Penghasilan yang Diterima/ Jumlah Direksi / Jumlah Direksi /
Komisaris / Komisaris /
Received Income* Number of Number of
Number of Number of
Directors Directors
Commissioners Commissioners
Di atas Rp. 2 miliar
5 1 5 1
Above Rp. 2 billion
Di atas Rp. 1 miliar-Rp. 2 miliar
- 3 - 3
Above Rp. 1 billion-Rp. 2 billion
Di atas Rp. 500 juta-Rp. 1 miliar
- - - -
Above Rp. 500 million-Rp. 1 billion
Rp. 500 juta ke bawah
- - - -
Below Rp. 500 million
Remunerasi bersifat variabel Variable Remuneration
Bentuk Remunerasi Yang Bersifat Variabel di The form of Variable Remuneration in Bank
Bank Mestika pada dasarnya adalah Bonus Mestika is basically Bonus (profit sharing),
(pembagian keuntungan), walaupun dapat although it can be given additionally in other
dalam diberikan tambahan dalam bentuk lain forms according to the decision of the Board of
sesuai keputusan Direksi. Alasan pembentukan Directors. The reason for the establishment of
Remunerasi Yang Bersifat Variabel ini adalah Variable Remuneration is as a form of
sebagai bentuk penghargaan kepada appreciation to the Management/Employees for
Pengurus/Pegawai atas kontribusinya terhadap their contribution to the company, by also taking
perusahaan, dengan juga memperhatikan into account their performance as illustrated by
kinerjanya yang digambarkan dengan penilaian KPI assessment. The multiplication of this bonus,
KPI. Perkalian pemberian bonus ini, selain in addition to being based on the KPI assessment
berdasarkan dengan skala penilaian KPI juga scale, is also related to the position, for example
dikaitkan dengan jabatan, misalnya adanya there is a difference in the multiplication factor
perbedaan faktor perkalian antara jabatan between positions with Directors /
dengan Direktur/Komisaris dengan jabatan Commissioners and positions of Executive
Pejabat Eksekutif dan Pejabat Non Eksekutif Officers and Non-Executive Officers as well as
begitu juga dengan staf. Selain itu juga faktor staff. In addition, the multiplication factor is also
perkalian juga dibedakan berdasarkan penilaian differentiated based on the KPI assessment of
KPI masing-masing kantor. Adanya perbedaan each office. This difference is based on
ini didasarkan dengan adanya perbedaan fungsi, differences in functions, responsibilities or
tanggung jawab ataupun kinerja masing- performance.
masing.
Sesuai dengan risiko utama Bank, maka yang In accordance with the Bank's main risks, the
menjadi Material Risk Taker (MRT) adalah: Material Risk Takers (MRT) are:
Semua Anggota Direksi All Members of the Board of Directors
Kepala Divisi Marketing dan setara Head of Marketing Division and equivalent
Kepala Divisi Kredit Head of Credit Division
Penentuan tersebut berdasarkan pendekatan The determination is based on a qualitative
kualitatif dimana Direksi dan/atau Pegawai approach where the Directors and/or
yang karena tugas dan tanggung jawabnya Employees, due to their duties and
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mengambil keputusan yang berdampak responsibilities, make decisions that have a
signifikan terhadap profil risiko Bank. significant impact on the Bank's risk profile.
Remunerasi yang bersifat variabel kepada Variable remuneration to Commissioners is
Komisaris diatur sebagai berikut: regulated as follows:
Kepada Komisaris Independen, pemberian For Independent Commissioners, all variable
semua remunerasi yang bersifat variable remuneration shall be paid in cash;
dalam bentuk tunai;
Kepada Komisaris Non Independen, To Non-Independent Commissioners, the
pemberian remunerasi yang bersifat provision of variable remuneration is
variable ditangguhkan sebesar 10% dari deferred at 10% of the total variable
jumlah remunerasi yang bersifat variable remuneration received during the year.
yang diterima selama setahun.
Pemberian remunerasi yang bersifat The provision of variable remuneration to
variable kepada Komisaris Non Non-Independent Commissioners and
Independen dan Komisaris Independen, Independent Commissioners, whether
baik yang ditangguhkan ataupun diterima deferred or received all in cash, is not
semua dalam bentuk tunai, tidak dikaitkan associated with malus and clawback
dengan kebijakan malus dan clawback. policies.
Jumlah Direksi, Dewan Komisaris dan Pegawai yang Menerima Remunerasi Bersifat Variabel
Numbers of Directors, BoC, and Employees Receiving Remuneration in Variable Form
Jumlah yang Diterima tahun 2023/
Amounts received in 2023
Jenis Remunerasi/ Direksi/BoD Dewan Komisaris/ BoC Karyawan/Employee
Type of Remuneration
Orang/ Juta (Rp)/ Orang/ Juta (Rp)/ Orang/ Juta (Rp)/
Person Million (Rp) Person Million (Rp) Person Million (Rp)
Remunerasi yang Bersifat
Variabel 5 6,872 4 2,096 975 26,320
Variable Remuneration
Jumlah yang Diterima tahun 2024/
Amounts received in 2024
Jenis Remunerasi/ Direksi/BoD Dewan Komisaris/ BoC Karyawan/Employee
Type of Remuneration
Orang/ Juta (Rp)/ Orang/ Juta (Rp)/ Orang/ Juta (Rp)/
Person Million (Rp) Person Million (Rp) Person Million (Rp)
Remunerasi yang Bersifat
Variabel 5 4,010 4 1,479 990 26,575
Variable Remuneration
Jabatan dan Jumlah Pihak yang Menjadi Position and Number of Parties That Becoming
Material Risk Taker a Material Risk Taker
Sesuai dengan risiko utama tersebut, maka yang In accordance with the main risk, the Material
menjadi Material Risk Taker adalah: Risk Takers are:
Semua Anggota Dewan Direksi; All Members of the Board of Directors;
Kepala Divisi Marketing dan setara; Head of Marketing Division and equivalent;
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Kepala Divisi Kredit. Head of Credit Division.
Tahun 2024, Bank memiliki 11 (sebelas) MRT, In 2024, the Bank has 11 (eleven) MRTs,
yang terdiri dari 2 (dua) orang Komisaris, 5 consisting of 2 (two) Commissioners, 5 (five)
(lima) Direksi dan 4 (empat) Pejabat Eksekutif Directors and 4 (four) Executive Officers, namely
yakni Kadiv. Kredit, Kadiv. Marketing the Head of Credit Division, Head of Commercial
Commercial & Corporate, Kadiv. Marketing SME & Corporate Marketing Division, Head of SME &
& Retail, dan Kadiv Konsumer. Retail Marketing Division, and Head of
Consumer Division.
Share Option Share Option
Bank tidak memiliki kebijakan share option. The Bank does not have a share option policy.
2023 Jumlah Jumlah Opsi/ Number of Options
Saham yang Harga
Yang telah
Dimiliki Opsi Jangka
Yang Diberikan Dieksekusi
(Lembar (Rp)/ Waktu/
Keterangan/ (Lembar (Lembar
Nama/Name Saham)/ Price Time
Description Saham)/ Saham)/
Number of Option Period
Given (Shares) Executed
Shares Held (Rp)
(Shares)
(Shares)
Witarsa Oemar 0 0 0 0 0
Komisaris Indra Halim 0 0 0 0 0
Commissioners Katio 0 0 0 0 0
Gardjito Heru 0 0 0 0 0
Achmad S Kartasasmita 0 0 0 0 0
Hendra Halim 0 0 0 0 0
Direksi
Harun Ansari 0 0 0 0 0
Directors
Andy 0 0 0 0 0
Yusri Hadi 0 0 0 0 0
Pejabat Eksekutif Jumlah
0 0 0 0 0
Executive Officer Amount
Total 0 0 0 0 0
2024 Jumlah Jumlah Opsi/ Number of Options
Saham yang Harga
Yang telah
Dimiliki Opsi Jangka
Yang Diberikan Dieksekusi
(Lembar (Rp)/ Waktu/
Keterangan/ (Lembar (Lembar
Nama/Name Saham)/ Price Time
Description Saham)/ Saham)/
Number of Option Period
Given (Shares) Executed
Shares Held (Rp)
(Shares)
(Shares)
Witarsa Oemar 0 0 0 0 0
Komisaris Indra Halim 0 0 0 0 0
Commissioners Katio 0 0 0 0 0
Gardjito Heru 0 0 0 0 0
Achmad S Kartasasmita 0 0 0 0 0
Hendra Halim 0 0 0 0 0
Direksi
Harun Ansari 0 0 0 0 0
Directors
Andy 0 0 0 0 0
Yusri Hadi 0 0 0 0 0
Pejabat Eksekutif Jumlah
0 0 0 0 0
Executive Officer Amount
Total 0 0 0 0 0
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Rasio Gaji Tertinggi dan Terendah Ratio of Highest and Lowest Salary
Rasio Gaji/Salary Ratio Rasio 2023/ Rasio 2024/
Ratio 2023 Ratio 2024
Rasio Gaji Pegawai yang Tertinggi dan Terendah 22 : 1 22 : 1
Employees Highest and Lowest Salary Ratio
Rasio Gaji Direksi yang Tertinggi dan Terendah 1.92 : 1 1.92 : 1
Directors Highest and Lowest Salary Ratio
Rasio Gaji Komisaris yang Tertinggi dan Terendah 1.56 : 1 1.56 : 1
Commissioners Highest and Lowest Salary Ratio
Rasio Gaji Direksi Tertinggi dan Pegawai Tertinggi 2.43 : 1 2.43 : 1
Directors Highest and Employees Highest Salary Ratio
Jumlah Penerima dan Jumlah Total Number of Recipients and Total Amount of
Remunerasi yang Bersifat Variabel yang Variable Remuneration Unconditionally
Dijamin Tanpa Syarat akan Diberikan oleh Guaranteed to be Given by the Bank to
Bank Kepada Calon Direksi, Calon Dewan Prospective BoD, Prospective BoC, and/or
Komisaris, dan/atau Calon Pegawai Selama Prospective Employees During the First 1 (one)
1 (satu) Tahun Pertama Kerja. Year of Employment.
Jumlah yang akan Diberikan Selama 1 (Satu) Tahun kerja Tahun 2024/
Amount to be Awarded during 1 (One) Year of Work in 2024
Calon Direksi/ Calon Dewan Komisaris/ Calon Pegawai/
Jenis Remunerasi/
Candidates for BoD Candidates for BoC Employee Candidate
Type of Remuneration
Juta (Rp)/ Juta (Rp)/
Orang/ Juta (Rp)/ Orang/ Orang/
Million Million
Person Million (Rp) Person Person
(Rp) (Rp)
Remunerasi yang Bersifat
Variabel yang Dijamin Tanpa
Syarat - - - - - -
Unconditionally Guaranteed
Variable Remuneration
Jumlah Pegawai yang Terkena Pemutusan Numbers of Employees Affected Work
Hubungan Kerja dan Total Nominal Pesangon Termination and Total of Severance Pay
yang Dibayarkan Nominal Paid
Jenis Nominal Pesangon yang dibayarkan per
orang dalam 1 tahun/ Jumlah Pegawai 2023/ Jumlah Pegawai 2024/
The Nominal types of Severance Pay per person Number of Employees 2023 Number of Employees 2024
in 1 year
Di atas Rp. 1 miliar
- -
Above Rp. 1 billion
Di atas Rp. 500 juta-Rp. 1 miliar
- -
Above Rp. 500 million-Rp. 1 billion
Rp. 500 juta ke bawah
- -
Below Rp. 500 million
Jumlah total remunerasi yang bersifat variabel Total amount of deferred variable
yang ditangguhkan, yang terdiri dari tunai remuneration, comprising cash and/or shares
or share-based instruments issued by the Bank.
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dan/atau saham atau instrument yang
berbasis saham yang diterbitkan Bank
Jumlah total remunerasi yang bersifat variabel yang ditangguhkan, yang terdiri dari tunai dan/atau saham
atau instrument yang berbasis saham yang diterbitkan Bank. (dalam jutaan)
Total amount of deferred variable remuneration, comprising cash and/or shares or share-based instruments
issued by the Bank. (in Millions Rupiah)
Jenis Remunerasi/Type of Remuneration 2023 2024
Remunerasi yang Bersifat Variabel
1,880 1,551
Variable Remuneration
Jumlah Total Remunerasi yang Bersifat Total Deferred Variable Remuneration Paid
Variabel yang Ditangguhkan yang Dibayarkan During 1 (one) Year
Selama 1 (satu) Tahun
Ditangguhkan yang Dibayarkan Selama 1 (satu) Tahun (dalam Jutaan Rupiah)/
Deferred Payment During 1 (one) Year (in Millions Rupiah)
Jenis Remunerasi/Type of Remuneration 2023 2024
Remunerasi yang Bersifat Variabel
691 884
Variable Remuneration
Rincian Jumlah Remunerasi yang Diberikan Details of Total Remuneration Awarded in 1
dalam 1 (satu) Tahun (one) Year
A. Remunerasi yang Bersifat Tetap (dalam jutaan Rupiah)/Fixed Remuneration (in million Rupiah)
No. Keterangan/Information 2023 2024
1 Tunai/Cash 25,569 23,677
2 Saham/Instrumen yang
Berbasis Saham yang
Diterbitkan Bank - -
Shares/Shares-based
Instruments Issued by the
Bank
B. Remunerasi yang Bersifat Variabel (dalam jutaan Rupiah)/Variable Remuneration (in million Rupiah)
2023 2024
No. Keterangan/Information Tidak Tidak
Ditangguhkan/ Ditangguhkan/
Ditangguhkan/ Ditangguhkan/
Suspended Suspended
Not Suspended Not Suspended
1 Tunai/Cash 7,839 - 4,993 -
2 Saham/Instrumen yang
Berbasis Saham yang
Diterbitkan Bank - 871 - 554
Shares/Shares-based
Instruments Issued by the
Bank
Keterangan: Hanya untuk Material Risk Taker / Only for Material Risk Takers
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Informasi Kuantitatif Quantitative Information
No. Jenis Remunerasi yang Sisa yang Masih Total Pengurangan Selama Periode Laporan/
Bersifat Variabel/ Ditangguhkan/ Total Deductions During the Reporting Period
Variable Type of Remaining Still Disebabkan Disebabkan Total (A) + (B)
Remuneration Suspended Penyesuaian Penyesuaian
Eksplisit/ Caused Implisit/ Caused
an Explicit an Implicit
Adjustment (A) Adjustment (B)
2023 2024 2023 2024 2023 2024 2023 2024
1 Tunai (dalam juta rupiah) - - - - - - - -
Cash (in million rupiah)
2 Saham/Instrumen yang 1,880 1,551 - - - - - -
Berbasis Saham yang
Diterbitkan Bank
(dalam Lembar Saham
dan Nominal Juta Rupiah
yang merupakan Konversi
dari Lembar Saham
tersebut)
Shares/Share-based
Instruments Issued by the
Bank
(in Shares and Nominal
Value of Million Rupiah
which is a Conversion of
these Shares)
Total/Total 1,880 1,551 - - - - - -
Keterangan: Hanya untuk Material Risk Taker / Only for Material Risk Takers
5. Komite Audit 5. Audit Commitee
Struktur, Keanggotaan, Keahlian dan Audit Committee Structure, Membership,
Independensi Komite Audit Expertise and Independence
Berdasarkan ketentuan pelaksanaan tata Based on the provisions of governance
kelola, Bank telah memiliki Komite Audit yang implementation, the Bank has an Audit Committee
bersifat independen dan terdiri dari 3 (tiga) that is independent and consists of 3 (three)
orang yakni 1 (satu) orang Ketua dan 2 (dua) people, namely 1 (one) Chairman and 2 (two)
orang Anggota. Members.
Sesuai dengan Surat Keputusan No.015/SK- In accordance with Decree No.015/SK-
BMD/DIR/2020 tanggal 3 September 2020, BMD/DIR/2020 dated September 3rd, 2020, the
Komite Audit Bank diketuai oleh Komisaris Bank's Audit Committee is chaired by an
Independen yakni Bapak Gardjito Heru, anggota Independent Commissioner, Mr. Gardjito Heru, the
Komite Audit adalah pihak-pihak Independen members of the Audit Committee are independent
yaitu Bapak Rusdy Usman yang memiliki parties, namely Mr. Rusdy Usman who has
kompetensi dan keahlian di bidang keuangan competence and expertise in finance and
dan akuntansi, dan Ibu Kiki Farida Ferine accounting, and Ms. Kiki Farida Ferine has
memiliki kompetensi dan keahlian di bidang competence and expertise in banking.
perbankan.
Dalam upaya meningkatkan pelaksanaan tata In an effort to improve the implementation of
kelola yang baik, mengoptimalkan efektivitas good governance, optimize the effectiveness of
kinerja Komite Audit sesuai dengan Anggaran the Audit Committee's performance in accordance
Dasar Perseroan, ketentuan tata kelola dan with the Company's Articles of Association,
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ketentuan Bank Indonesia atau Otoritas Jasa governance provisions and provisions of Bank
Keuangan dan Undang Undang Republik Indonesia or the Financial Services Authority and
Indonesia tentang Perseroan Terbatas, maka the Law of the Republic of Indonesia concerning
Bank telah memiliki Piagam Komite Audit Limited Liability Companies, the Bank has an Audit
dengan perubahan terakhir yang ditetapkan Committee Charter with the latest amendments
melalui Surat Keputusan No.070/SK- stipulated by Decree No.070/SK-BMD/DIR/2024
BMD/DIR/2024 tanggal 19 Desember 2024 dated December 19, 2024 concerning the Audit
tentang Piagam Komite Audit. Committee Charter.
Masa jabatan anggota Komite Audit tidak boleh The term of tenure of Audit Committee members
lebih lama dari masa jabatan Dewan Komisaris shall not exceed the term of office of the Board of
sebagaimana diatur dalam Anggaran Dasar dan Commissioners as stipulated in the Articles of
dapat dipilih kembali hanya untuk 1 (satu) Association and may be re-elected only for 1 (one)
periode berikutnya. subsequent period.
Susunan Anggota Komite Audit Composition of Audit Committee Members
Nama/Name Keterangan/Information
1. Gardjito Heru : Ketua Komite Audit
Chairman of Audit Committee
Komisaris Independen
Independent Commissioner
2. Rusdy Usman : Anggota Komite Audit
Member of Audit Committee
3. Kiki Farida Ferine : Anggota Komite Audit
Member of Audit Committee
Riwayat Anggota Komite Audit Background of Audit Committee Members
Nama/Name Pendidikan Formal/Formal Education
Gardjito Heru 1980: S-1 Doktorandus Ekonomi
Ketua Komite Audit Bachelor of Economics
Chairman of Audit Committee 1998: S-2 Magister Manajemen
Master’s Degree of Management
Usia / Age 72 Tahun / 72 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja/Career History
1982-1989 | Staff UKK (Urusan Kredit Kecil) Bank Indonesia
1982-1989 | UKK Staff (Small Credit Affairs)
1992-1995 | Kepala Seksi Umum Pendirian Bank Indonesia Palangkaraya
1992-1995 | Head of the General Section of Bank Indonesia Palangkaraya
1995 | Kepala Bagian Kas Bank Indonesia
1995 | Head of Cash at Bank Indonesia
1999 | Pemimpin Bank Indonesia di Ambon
1999 | Head of Bank Indonesia in Ambon
2001 | Deputi Direktur Direktorat Pengedaran Uang Bank Indonesia
2001 | Deputy Director of Bank Indonesia’s Directorate of Money Circulation
2004 | Wakil Pemimpin Cabang Bank Indonesia Medan
2004 | Deputy Branch Manager of Bank Indonesia in Medan
2006-2010 | Kepala Biro Keamanan (Deputi Direktorat Logistik & Keamanan) Bank Indonesia
2006-2010 | Head of Security Bureau (Deputy Directorate of Logistics & Security) Bank Indonesia
2007-2012 | Direktur Niaga Perum PERURI
2007-2012 | Commercial Director of Perum PERURI
2013-sekarang | Direktur Utama PT. Lentera Putra Bangsa
2013-now | President Director of PT. Lentera Putra Bangsa
2016-sekarang | Komisaris Independen PT. Bank Mestika Dharma, Tbk.
2016-now | Independent Commissioner of PT. Bank Mestika Dharma, Tbk.
2016-2020 | Ketua Komite Pemantau Risiko PT. Bank Mestika Dharma, Tbk.
2016-2020 | Chairman of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk.
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2020-sekarang | Ketua Komite Audit PT. Bank Mestika Dharma, Tbk.
2020-now | Chairman of Audit Committee PT. Bank Mestika Dharma, Tbk.
Nama/Name Pendidikan Formal/Formal Education
Drs Rusdy Usman 1987: S-1 Ekonomi Universitas Dharma Agung
Anggota Komite Audit Bachelor of Economics Dharma Agung University
Member of Audit Committee
Usia / Age 65 Tahun / 65 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja/Career History
1978-1979 | Administrator Keuangan Bagian Piutang PT. First Nirwana Photo Co
1978-1979 | Financial Administrator Account Receivable PT. First Nirwana Photo Co
1979-1981 | Asisten Akuntansi PT. Raja Garuda Mas (RGM) Medan
1979-1981 | Accounting Assistant of PT. Raja Garuda Mas (RGM) Medan
1981-1984 | Kepala Bagian Akuntansi PT. Raja Garuda Mas (RGM) Medan
1981-1984 | Head of Accounting of PT. Raja Garuda Mas (RGM) Medan
1984-1986 April | Supervisor Holding Company RGM Grup
1984-1986 April | Supervisor Holding Company RGM Group
1986-1987 Januari | Kepala Bagian Akuntansi PT. Supra Matra Abadi (SMS)
1986-1987 January| Head of Accounting of PT. Supra Matra Abadi (SMS)
1987 Februari-Juni | Manajemen Trainee UniBank Cabang Medan
1987 February-June |Management Trainee UniBank Medan Branch
1987 Juli-Desember | Staf Audit PT. Raja Garuda Mas (RGM) Medan
1987 July-December | Audit Staff PT. Raja Garuda Mas (RGM) Medan
1988-1992 Juni | Staff Keuangan PT. Raja Garuda Mas (RGM) Panel
1988-1992 June | Finance Staff of PT. Raja Garuda Mas (RGM) Panel
1992-1995 Oktober | Staf Procurement PT. Raja Garuda Mas (RGM) Panel
1992-1995 October | Procurement Staff of PT. Raja Garuda Mas (RGM) Panel
1995-1996 Agustus | Manager Operasi PT. Paper Aid Indonesia
1995-1996 August | Operations Manager PT. Paper Aid Indonesia
1997 Januari-Juni | Kepala Bagian Akuntansi PT. Jakarta Electronic Center
1997 January-June | Head of Accounting PT. Jakarta Electronic Center
1997-1999 Juni | Staf SKAI PT. Bank Mestika Dharma Medan
1997-1999 June | Staff SKAI PT. Bank Mestika Dharma Medan
2001-2003 Mei | Kepala Bagian Akuntansi PT. Sari Makmur Tunggal Mandiri
2001-2003 May | Head of Accounting PT. Sari Makmur Tunggal Mandiri
2003-2007 November | Finance dan HRD Officer PT. Security Group Indonesia
2003-2007 November | Finance and HR Officer PT. Security Group Indonesia
2009-2016 | Kepala Bagian Audit PT. Wirakarya Sakti
2009-2016 | Head of Audit PT. Wirakarya Sakti
2017 Desember-2020 | Anggota Komite Pemantau Risiko PT. Bank Mestika Dharma, Tbk.
2017 December-2020 | Member of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk.
2020-sekarang | Anggota Komite Audit PT. Bank Mestika Dharma, Tbk.
2020-now | Member of Audit Committee PT. Bank Mestika Dharma, Tbk.
Nama/Name Pendidikan Formal/Formal Education
Kiki Farida Ferine 1982: S-1 Ekonomi
Anggota Komite Audit Bachelor of Economics
Member of Audit Committee 2006: S-2 Ilmu Manajemen
Master’s Degree of Management Science
2016: S-3 Ilmu Manajemen Universitas Persada Jakarta Indonesia
Doctoral Degree of Management Sciences at University of
Persada Indonesia
Usia / Age 66 Tahun / 66 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja/Career History
1982-1986 | Analis Perencanaan BNI 1946 Jakarta
1982-1986 | Planning Analyst BNI 1946 Jakarta
1986-1989 | Analis Kredit serta Administration Head PT. Swadharma Bhakti Sedaya Jakarta/Medan
1986-1989 | Credit Analyst and Administration Head PT. Swadharma Bhakti Sedaya Jakarta/Medan
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1991-1994 | Agen Asuransi Jiwa Dharmala Manulife Medan
1991-1994 | Dharmala Manulife Life Insurance Agent Medan
1996-2001 | Direktur CV. Tifa Prima Lestari Medan
1996-2001 | Director of CV. Tifa Prima Lestari Medan
2002-2016 | Dosen STIE Harapan Medan
2002-2016 | Lecturer at STIE Harapan Medan
2007-2020 | Anggota Komite Pemantau Risiko PT. Bank Mestika Dharma Tbk.
2007-2020 | Member of Risk Oversight Committee PT. Bank Mestika Dharma Tbk.
2017-sekarang | Dosen Universitas Pembangunan Pancabudi
2017-now | Lecturer at University of Pancabudi
2020-sekarang | Anggota Komite Audit PT. Bank Mestika Dharma, Tbk.
2020-now | Member of Audit Committee PT. Bank Mestika Dharma, Tbk.
2020 September-sekarang | Direktur Pascasarjana Universitas Pembangunan Pancabudi
2020 September-now | Director of Postgraduate Program at Universitas Pembangunan Pancabudi
Tugas dan Tanggung Jawab komite Audit Audit Committee Duties and Responsibilities
Melakukan penelaahan atas informasi Reviewing the financial information that will
keuangan yang akan dikeluarkan Emiten be issued by the Issuer or Public Company to
atau Perusahaan Publik kepada publik the public and/or the authorities.
dan/atau pihak otoritas.
Melakukan penelaahan atas ketaatan Reviewing the compliance with laws and
terhadap peraturan perundang-undangan regulations related to the activities of the
yang berhubungan dengan kegiatan Emiten Issuer or Public Company.
atau Perusahaan Publik.
Memberikan pendapat independen dalam Providing an independent opinion in the
hal terjadi perbedaan pendapat antara event of a difference of opinion between
manajemen dan Akuntan atas jasa yang management and the Accountant on the
diberikannya. services he provides.
Memberikan rekomendasi kepada Dewan Provide recommendations to the Board of
Komisaris mengenai penunjukan Akuntan Commissioners regarding the appointment
yang didasarkan pada independensi, ruang of an Accountant based on independence,
lingkup penugasan, dan imbalan jasa. scope of assignment, and service fees.
Melakukan penelaahan atas pelaksanaan Reviewing the implementation of the audit
pemeriksaan oleh auditor internal dan by the internal auditor and overseeing the
mengawasi pelaksanaan tindak lanjut oleh implementation of follow-up by the Board of
Direksi atas temuan auditor internal. Directors on the findings of the internal
auditor.
Melakukan penelaahan terhadap aktivitas Reviewing the risk management
pelaksanaan manajemen risiko yang implementation activities carried out by the
dilakukan oleh Direksi, jika Emiten atau Board of Directors, if the Issuer or Public
Perusahaan Publik tidak memiliki fungsi Company does not have a risk monitoring
pemantau risiko di bawah Dewan function under the Board of Commissioners.
Komisaris.
Menelaah pengaduan yang berkaitan Review complaints relating to the Bank's
dengan proses akuntansi dan pelaporan accounting and financial reporting
keuangan Bank. Tata cara penanganan processes. The procedure for handling
pengaduan atau pelaporan sehubungan complaints or reports regarding alleged
dugaan pelanggaran terkait pelaporan violations related to financial reporting
keuangan mengacu pada ketentuan Bank. refers to the Bank's provisions.
Menelaah dan memberikan saran kepada Review and provide advice to the Board of
Dewan Komisaris terkait dengan adanya Commissioners related to the potential
potensi benturan kepentingan Emiten atau conflict of interest of the Issuer or Public
Perusahaan Publik. Company.
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Menjaga kerahasiaan dokumen, data dan Maintain the confidentiality of documents,
informasi Emiten atau Perusahaan Publik. data and information of the Issuer or Public
Company.
Memantau dan mengkaji efektivitas Monitor and review the effectiveness of the
pelaksanaan audit intern Bank. Bank's internal audit implementation.
Mengevaluasi kinerja SKAI. Evaluate the performance of SKAI.
Memastikan SKAI melakukan komunikasi Ensure SKAI communicates with the Board
dengan Direksi, Dewan Komisaris, auditor of Directors, Board of Commissioners,
ekstern, dan Otoritas Jasa Keuangan. external auditors, and the Financial Services
Authority.
Memastikan SKAI bekerja secara Ensure SKAI works independently.
independen.
Memberikan rekomendasi kepada Dewan Provide recommendations to the Board of
Komisaris terkait penyusunan rencana Commissioners regarding the preparation of
audit, ruang lingkup, dan anggaran SKAI. the audit plan, scope, and budget of SKAI.
Meninjau laporan audit dan memastikan Review audit reports and ensure the Board
Direksi mengambil tindakan perbaikan yang of Directors takes the necessary corrective
diperlukan secara cepat untuk mengatasi actions expeditiously to address control
kelemahan pengendalian, fraud, masalah weaknesses, fraud, compliance issues with
kepatuhan terhadap kebijakan, undang- policies, laws, and regulations, or other
undang, dan peraturan, atau masalah lain issues identified and reported by SKAI.
yang diidentifikasi dan dilaporkan oleh
SKAI.
Memberikan rekomendasi kepada Dewan Provide recommendations to the Board of
Komisaris terkait pemberian remunerasi Commissioners regarding the provision of
tahunan SKAI secara keseluruhan serta SKAI's overall annual remuneration and
penghargaan kinerja. performance awards.
Memastikan SKAI menjunjung tinggi Ensure SKAI upholds integrity in the
integritas dalam pelaksanaan tugas. performance of duties.
Melakukan evaluasi terhadap pelaksanaan Evaluate the implementation of the
pemberian jasa audit atas informasi provision of audit services on annual
keuangan historis tahunan oleh AP historical financial information by AP and /
dan/atau KAP paling sedikit melalui: or KAP at least through:
o Kesesuaian pelaksanaan audit oleh AP o Conformity of audit implementation by
dan/atau KAP dengan standar audit AP and/or KAP with applicable audit
yang berlaku. standards.
o Kecukupan waktu pekerjaan lapangan. o Adequacy of field work time.
o Pengkajian cakupan jasa yang diberikan o Assessment of the scope of services
dan kecukupan uji petik. provided and the adequacy of the
sampling.
o Rekomendasi perbaikan yang diberikan o Recommendations for improvement
oleh AP dan/atau KAP. provided by the AP and / or KAP.
Komite Audit Bank wajib melaksanakan The Bank's Audit Committee shall carry out
tugas dan tanggung jawab untuk its duties and responsibilities to conduct
melakukan pemantauan dan evaluasi untuk monitoring and evaluation to provide
memberikan rekomendasi kepada Dewan recommendations to the Board of
Komisaris atas: Commissioners on:
o Penerapan kebijakan dan prosedur o Implementation of internal control
pengendalian internal dalam proses policies and procedures in the Bank's
pelaporan keuangan Bank. financial reporting process.
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o Laporan Keuangan dengan standar o Financial Statements with financial
akuntansi keuangan dan ketentuan accounting standards and Financial
Otoritas Jasa Keuangan mengenai Services Authority regulations regarding
pencatatan transaksi keuangan. the recording of financial transactions.
Independensi Komite Audit Audit Committee Independencies
Seluruh anggota Komite Audit adalah Pihak All members of the Audit Committee are
Independen sehingga tidak memiliki hubungan Independent Parties so that they do not have
keuangan, kepengurusan, kepemilikan saham financial, management, share ownership and/or
dan/atau hubungan keluarga dengan Dewan family relationships with the Board of
Komisaris, Direksi dan/atau Pemegang Saham Commissioners, Board of Directors and/or
Pengendali atau hubungan dengan Bank yang Controlling Shareholders or relationships with
dapat mempengaruhi kemampuannya untuk the Bank that may affect their ability to act
bertindak independen. independently.
Rapat Komite Audit Audit Committee meetings
Berdasarkan Piagam Komite Audit, frekuensi Based on the Audit Committee Charter, the
rapat regular Komite Audit diadakan minimal 1 frequency of regular Audit Committee meetings
(satu) kali dalam 1 (satu) bulan dan diadakan is held at least once a month and is held prior to
sebelum pelaksanaan rapat regular Dewan the regular meeting of the Board of
Komisaris. Rapat Komite Audit diselenggarakan Commissioners. Audit Committee meetings are
jika dihadiri mayoritas anggota komite. held if attended by the majority of committee
Keputusan rapat Komite Audit diambil members. Decisions of the Audit Committee
berdasarkan musyawarah untuk mufakat. meetings are made based on deliberation for
Dalam hal tidak terjadi musyawarah untuk consensus. In the event that deliberation for
mufakat, pengambilan Keputusan dilakukan consensus does not occur, decisions are made
berdasarkan suara terbanyak. Setiap rapat based on a majority vote. Each meeting of the
Komite Audit dituangkan dalam risalah rapat, Audit Committee is set forth in the minutes of
termasuk apabila terdapat perbedaan the meeting, including any dissent and reasons
pendapat dan alasan perbedaan pendapat, for dissent, signed by all members of the Audit
yang ditandatangani oleh seluruh anggota Committee present and submitted to the Board
Komite Audit yang hadir dan disampaikan of Commissioners.
kepada Dewan Komisaris.
Pada tahun 2024, Komite Audit melakukan In 2024, the Audit Committee met 13 (thirteen)
rapat sebanyak 13 (tiga belas) kali dimana 2 times of which 2 (two) were conducted circularly
(dua) diantaranya dilakukan secara sirkuler with the following attendance details:
dengan perincian kehadiran sebagai berikut :
Anggota Komite
Jabatan Jumlah Rapat Kehadiran %Kehadiran
Committee
Position Meeting Frequency Attendance %Attendance
Member
Gardjito Heru Ketua Komite Audit 13 (tiga belas) kali 13 100%
Chairman of Audit 13 (thirteen) times
Committee
Rusdy Usman Anggota Komite Audit 13 100%
Member of Audit
Committee
Kiki Farida Anggota Komite Audit 7 54%
Ferine Member of Audit
Committee
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Program Kerja Komite Audit dan Realisasi Audit Committee Work Program and
Program kerja Komite Audit Realization of Audit Committee Work Program
Fokus/Focus No Tugas dan Tanggung Jawab/Duties and Catatan/Note
responsibilities
Informasi 1 Bertanggung jawab kepada Dewan Evaluasi laporan keuangan telah dilakukan oleh
Keuangan Komisaris mengevaluasi kesesuaian Komite Audit pada rapat tanggal 25 April 2024,
Financial informasi pada laporan keuangan 27 Agustus 2024, dan 19 November 2024.
Information dengan standar akuntansi yang berlaku. Evaluation of the financial statements has been
Responsible to the BoC evaluating the carried out by the Audit Committee at its
suitability of the information in the meetings on April 25th, 2024, August 27 th, 2024,
financial statements with applicable and November 19th, 2024.
accounting standards.
2 Menelaah pengaduan yang berkaitan Pada tahun 2024 tidak adanya pengaduan
dengan proses akuntansi dan pelaporan terkait laporan keuangan.
keuangan Bank. In 2024 there were no complaints related to the
Reviewing complaints related to the financial statements.
Bank's accounting and financial
reporting processes.
Audit Internal 3 Membantu Dewan Komisaris memantau Komite Audit telah melakukan pemantauan dan
Internal Audit dan mengevaluasi perencanaan dan evaluasi perencanaan dan pelaksanaan tugas
pelaksanaan tugas audit internal, tindak Audit Internal, tindak lanjut dari Direksi,
lanjut dari Direksi terhadap temuan rekomendasi dari SKAI Bank maupun Auditor
audit, rekomendasi dari SKAI (Satuan Eksternal dan hasil pengawasan OJK pada rapat
Kerja Audit Intern) Bank maupun Auditor setiap bulannya sepanjang tahun 2024.
Eksternal, hasil pengawasan OJK The Audit Committee has monitored and
(Otoritas Jasa Keuangan) dan/atau hasil evaluated the planning and implementation of
pengawasan Pihak Eksternal lainnya. Internal Audit tasks, follow-up from the BoD,
Assisting the BoC in monitoring and recommendations from the Bank's SKAI and
evaluating the planning and External Auditors and the results of OJK
implementation of internal audit tasks, supervision at monthly meetings throughout
follow-up from the BoD on audit findings, 2024.
recommendations from the Bank's
Internal Audit Division and External
Auditors, results of FSA (Financial
Services Authority) supervision and/or
results of supervision by External Parties
other.
4 Membantu Dewan Komisaris memantau Komite Audit telah melakukan pemantauan dan
dan mengevaluasi efektivitas evaluasi efektivitas pelaksanaan Audit Internal
pelaksanaan audit internal Bank dalam Bank pada setiap rapat sepanjang tahun 2024.
rangka menilai kecukupan pengendalian The Audit Committee has monitored and
intern, termasuk kecukupan proses evaluated the effectiveness of the Bank's
pelaporan keuangan. Internal Audit implementation at each meeting
Assist the BoC in monitoring and throughout 2024.
evaluating the effectiveness of the
Bank's internal audit implementation in
order to assess the adequacy of internal
control, including the adequacy of the
financial reporting process.
5 Membantu Dewan Komisaris memantau Komite Audit telah melakukan pemantauan dan
dan mengevaluasi kinerja dan efektivitas evaluasi kinerja dan efektivitas Audit Internal
audit internal yang menilai independensi senantiasa pada rapat sepanjang tahun 2024.
fungsi audit internal serta kualitas dan The Audit Committee has monitored and
kecukupan sumber daya audit internal. evaluated the performance and effectiveness of
Assisting the BoC in monitoring and Internal Audit at meetings throughout the year.
evaluating the performance and
effectiveness of internal audit which
assesses the independence of the
internal audit function as well as the
quality and adequacy of internal audit
resources.
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6 Membantu Dewan Komisaris memantau Evaluasi Piagam Audit Internal dan
dan mengevaluasi Piagam Audit Internal pelaksanaanya telah dibahas pada rapat tanggal
dan pelaksanaannya. 22 Juli 2024 dan 21 Oktober 2024.
Assist the BoC in monitoring and Evaluation of the Internal Audit Charter and its
evaluating the Internal Audit Charter and implementation was discussed at the meetings
its implementation. on July 22nd, 2024 and October 21st, 2024.
7 Memberikan rekomendasi kepada Rekomendasi kepada Dewan Komisaris terkait
Dewan Komisaris terkait penyusunan penyusunan rencana audit, ruang lingkup, dan
rencana audit, ruang lingkup, dan anggaran SKAI telah dibahas pada rapat tanggal
anggaran SKAI. 24 Januari 2024 dan 18 Desember 2024.
Provide recommendations to the BoC Recommendations to the BoC regarding the
regarding the preparation of the SKAI preparation of the audit plan, scope, and budget
audit plan, scope, and budget. of SKAI were discussed at the meetings on
January 24th, 2024 and December 18th, 2024.
8 Memberikan rekomendasi kepada Rekomendasi kepada Dewan Komisaris terkait
Dewan Komisaris terkait pemberian pemberian remunerasi tahunan SKAI telah
remunerasi tahunan SKAI secara dibahas pada rapat tanggal 18 Desember 2024.
keseluruhan serta penghargaan kinerja. Recommendations to the BoC regarding the
Provide recommendations to the BoC annual remuneration of SKAI were discussed at
regarding the provision of overall the meeting on December 18th, 2024.
Internal Audit Division annual
remuneration and performance awards.
9 Memastikan SKAI menjunjung tinggi Dalam setiap rapat Komite Audit sepanjang
integritas dalam pelaksanaan tugas. tahun 2024, Komite Audit senantiasa
Ensuring that SKAI upholds integrity in memastikan SKAI menjunjung tinggi integritas
carrying out its duties. dalam pelaksanaan tugas.
In every Audit Committee meeting throughout
2024, the Audit Committee always ensured that
SKAI upholds integrity in carrying out its duties.
Manajemen 10 Mengevaluasi pelaksanaan manajemen Komite Audit telah malakukan evaluasi
Risiko risiko yang mencakup kerangka kerja pelaksanaan manajemen risiko pada rapat
Risk manajemen risiko, proses identifikasi tanggal 27 Februari 2024, 25 April 2024, 22 Juli
management risiko, penilaian risiko, dan memitigasi 2024, dan 21 Oktober 2024.
risiko-risiko utama perusahaan termasuk The Audit Committee has evaluated the
risiko terjadinya fraud. implementation of risk management at its
Evaluating the implementation of risk meetings on February 27th, 2024, April 25th,
management which includes a risk 2024, July 22nd, 2024, and October 21st, 2024.
management framework, risk
identification process, risk assessment,
and mitigating the company's main risks
including the risk of fraud.
Audit 11 Memastikan SKAI melakukan komunikasi SKAI senantiasa melakukan komunikasi dengan
Eksternal dengan Direksi, Dewan Komisaris, Direksi, Dewan Komisaris, Auditor Eksternal,
External Audit Auditor Eksternal, dan Otoritas Jasa dan OJK melalui penyampaian Laporan Hasil
Keuangan. Audit dan Laporan Pelaksanaan Pokok-Pokok
Ensure that SKAI communicates with the dan Hasil Audit Intern Semester ke OJK (Otoritas
BoD, BoC, External Auditor, and the Jasa Keuangan).
Financial Services Authority. SKAI always communicates with the BoD, BoC,
External Auditor, and OJK through the
submission of Audit Report and Semester
Internal Audit Report to OJK (Financial Services
Authority).
12 Memberikan rekomendasi mengenai Komite Audit melakukan pembahasan yang
penunjukan Akuntan Publik kepada menghasilkan rekomendasi kepada Dewan
Dewan Komisaris untuk disampaikan Komisaris atas penunjukan Akuntan Publik pada
kepada Rapat Umum Pemegang Saham. rapat tanggal 25 April 2024.
Provide recommendations regarding the The Audit Committee conducted a discussion
appointment of a Public Accountant to that resulted in a recommendation to the BoC
the BoC to be submitted to the General on the appointment of a Public Accountant at
Meeting of Shareholders. the meeting on April 25th, 2024.
13 Membantu Dewan Komisaris memantau Komite Audit telah melakukan pemantauan dan
dan mengevaluasi kesesuaian evaluasi kesesuaian pelaksanaan audit oleh KAP
pelaksanaan audit oleh KAP (Kantor
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Akuntan Publik) dengan standar audit pada rapat tanggal 27 Februari 2024, 20 Maret
yang berlaku. 2024 dan 25 April 2024.
Assist the BoC in monitoring and The Audit Committee has monitored and
evaluating the suitability of the audit by evaluated the suitability of the audit
PAF (Public Accounting Firm) with implementation by PAF at the meetings dated
applicable auditing standards. February 27th, 2024, March 20th, 2024 and April
25th, 2024.
14 Memberikan pendapat independen Tidak terdapat perbedaan pendapat
dalam hal terjadi perbedaan pendapat independen antara Manajemen dan Akuntan
antara Manajemen dan Akuntan Publik Publik.
atas jasa yang diberikannya. There is no difference of independent opinion
Provide an independent opinion in the between Management and Public Accountant.
event of a difference of opinion between
the Management and the Public
Accountant on the services they provide.
Pengendalian 15 Memastikan pengetahuan dan informasi Komite Audit dalam setiap rapat di sepanjang
Internal mengenai peraturan serta tahun 2024 senantiasa memastikan
Internal perkembangan fungsi pengawasan yang pengetahuan dan informasi mengenai
Control terkini. peraturan serta perkembangan fungsi
Ensure knowledge and information pengawasan yang terkini.
regarding regulations and the latest The Audit Committee in every meeting
developments in the supervisory throughout 2024 continued to ensure
function. knowledge and information on the latest
regulations and developments in the
supervisory function.
16 Melakukan penelahaan atas ketaatan Komite Audit telah melakukan penelaahan atas
terhadap peraturan perundang- ketaatan terhadap peraturan dalam kegiatan
undangan yang berhubungan dengan Bank pada rapat setiap bulan sepanjang tahun
kegiatan Bank. 2024.
Reviewing compliance with laws and The Audit Committee has reviewed regulatory
regulations related to Bank activities. compliance in the Bank's activities at monthly
meetings throughout 2024.
17 Menjaga kerahasiaan dokumen, data, Pengendalian internal dalam menjaga
dan informasi Bank. kerahasiaan dokumen, data, dan informasi
Maintain the confidentiality of Bank Bank senantiasa diamalkan dan dilaksanakan.
documents, data and information. Internal control in maintaining the
confidentiality of the Bank's documents, data
and information is always practiced and
implemented.
Kepatuhan 18 Menelaah dan memberikan saran Tidak adanya benturan kepentingan yang
dan kepada Dewan Komisaris terkait dengan terjadi pada Bank sepanjang tahun 2024.
Pengaduan adanya potensi benturan kepentingan. No conflict of interest occurred in the Bank
Laporan Reviewing and providing advice to the throughout 2024.
Compliance BoC regarding potential conflicts of
and interest.
Complaint 19 Melakukan evaluasi terhadap kebijakan, Komite Audit telah melakukan evaluasi
Report proses, dan kerangka kerja kepatuhan terhadap kebijakan, proses, dan kerangka kerja
dan pengaduan laporan keuangan. kepatuhan pada rapat tanggal 22 Juli 2024, 21
Evaluating policies, processes, and Oktober 2024, dan 19 November 2024.
frameworks for compliance and financial The Audit Committee has evaluated the
reporting complaints. compliance policies, processes, and framework
at its meetings on July 22nd, 2024, October 21st,
2024, and November 19th, 2024.
Pelatihan dan/atau peningkatan kompetensi Training and/or competency improvement of
Anggota Komite Audit Audit Committee Members
No. Judul Pelatihan / Training Topic Peserta /
Members
1 Integrated AI Innovation with ISO/IEC 42001 Gardjito Heru
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2 Sosialisasi Pelindungan Konsumen terkait POJK Nomor 22 tahun Gardjito Heru;
2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa Kiki Farida
Keuangan Ferine;
Socialization of Consumer Protection related to POJK Number 22 of Rusdy Usman
2023 concerning Consumer and Community Protection in the
Financial Services Sector
3 Program Penyelarasan Sertifikasi Manajemen Risiko J6 bagi Komisaris Gardjito Heru
J6 Risk Management Certification Alignment Program for
Commissioners
4 Training Pembekalan dan Sertifikasi CGOP (Certified Governance Gardjito Heru
Oversight Professional)
CGOP (Certified Governance Oversight Professional) Debriefing and
Certification Training
5 Video Learning Transformasi Digital Gardjito Heru
Digital Transformation Video Learning
6 Sosialisasi IT Security Awareness Gardjito Heru
IT Security Awareness Socialization
7 Certification in Audit Committee Practices (CACP) 2024 Rusdy Usman
8 Pengkinian/Refreshment Program Sertifikasi Manajemen Risiko Rusdy Usman &
Jenjang 5 Kiki Farida
Level 5 Risk Management Certification Program Ferine
Update/Refreshment
9 Refreshment (Pengkinian) dan Resertifikasi Manajemen Risiko J5 Kiki Farida
Risk Management Refreshment and Recertification J5 Ferine
6. Komite Pemantau Risiko 6. Risk Oversight Committee
Struktur, Keanggotaan, Keahlian dan Risk Oversight Committee Structure,
Independensi Komite Pemantau Risiko Membership, Expertise and Independence
Sesuai dengan regulasi Otoritas Jasa Keuangan In accordance with the regulations of the
dan Surat Keputusan Internal No.039/SK- Financial Services Authority and Internal Decree
BMD/DIR/2023 tanggal 25 September 2023, No.039/SK-BMD/DIR/2023 dated September
Komite Pemantau Risiko beranggotakan 3 (tiga) 25th, 2023, the Risk Monitoring Committee
orang. Bapak Katio selaku Komisaris consists of 3 (three) members. Mr. Katio as
Independen menjabat sebagai Ketua Komite Independent Commissioner serves as the
Pemantau Risiko dengan anggota Bapak Chairman of the Risk Monitoring Committee with
Adanan Silaban (seorang pihak independen members Mr. Adanan Silaban (an independent
yang memiliki keahlian di bidang manajemen party with expertise in risk management), and
risiko), dan Bapak Chandra Tandiono (seorang Mr. Chandra Tandiono (an independent party
dari pihak independen yang memiliki keahlian with expertise in finance). Members of the Risk
di bidang keuangan). Anggota Komite Monitoring Committee are appointed and
Pemantau Risiko diangkat dan diberhentikan dismissed by the Board of Commissioners.
oleh Dewan Komisaris.
Anggota Komite Pemantau Risiko diangkat Members of the Risk Oversight Committee are
untuk masa tugas 5 (lima) tahun dan dapat appointed for a term of 5 (five) years and may be
dipilih kembali. Keanggotaan Komisaris re-elected. Membership of independent
independen dalam Komite Pemantau Risiko Commissioners in the Risk Oversight Committee
mengikuti masa jabatan Dewan Komisaris yang follows the term of office of the Board of
diatur dalam anggaran dasar Bank. Commissioners as stipulated in the Bank's articles
Keanggotaan dan masa tugas pihak independen of association. The membership and term of
dalam Komite Pemantau Risiko dapat direview office of independent parties in the Risk Oversight
kembali sewaktu-waktu sesuai kebutuhan.
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Committee can be reviewed at any time as
needed.
Susunan Anggota Komite Pemantau Risiko Composition of Risk Oversight Committee
Members
Nama/Name Keterangan/Information
1. Katio : Ketua Komite Pemantau Risiko
Chairman of Risk Oversight Committee
Komisaris Independen
Independent Commissioner
2. Adanan Silaban : Anggota Komite Pemantau Risiko
Member of Risk Oversight Committee
3. Chandra Tandiono : Anggota Komite Pemantau Risiko
Member of Risk Oversight Committee
Riwayat Anggota Komite Pemantau Risiko Background of Risk Oversight Committee
Members
Nama/Name Pendidikan Formal/Formal Education
Katio 1999: S-2 Magister Manajemen
Ketua Komite Pemantau Risiko Master’s Degree of Management
Chairman of Risk Oversight Committee
Usia / Age 81 Tahun / 81 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja
Career History
1965-1971 |Pemeriksa pada Kantor Akuntan Negara Departemen Keuangan
1965-1971 | Auditor at State Finance Department Accountant Office
1971-1983 | Kepala Seksi Bidang Agraris pada DJPKN/BPKP
1971-1983 | DJPKN/BPKP Agrarian Section Chief
1984-2008 | Dosen Tetap Jurusan Akuntansi Fakultas Ekonomi USU Medan
1984-2008 |Lecturer at Faculty of Economy, USU Medan
1984-sekarang | Pimpinan Kantor Akuntan Publik Drs. Katio dan Rekan
1984-now | Chairman of Drs. Katio and Partners Public Accountant Office and Management Consultant
1995-1999 | Anggota Dewan Audit Bank Mestika
1995-1999 | Member of Audit Board Bank Mestika
2000-2013 Juli | Komisaris Independen PT. Bank Mestika Dharma
2000-2013 July| Independent Commissioner PT. Bank Mestika Dharma
2007-2013 Juli | Ketua Komite Audit PT. Bank Mestika Dharma
2007-2013 July | Chairman of the Audit Committee PT. Bank Mestika Dharma
2009-2013 Juli | Ketua Komite Remunerasi dan Nominasi PT. Bank Mestika Dharma
2009-2013 July | Chairman of Remuneration and Nomination Committee PT. Bank Mestika Dharma
2015-2016 | Plt. Ketua Komite Pemantau Risiko PT. Bank Mestika Dharma, Tbk.
2015-2016 | Chairman of the Tasks Execution of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk.
2013 Juli-2020 September | Ketua Komite Audit PT. Bank Mestika Dharma, Tbk.
2013 July-2020 September | Chairman of the Audit Committee PT. Bank Mestika Dharma, Tbk.
2013 Juli-sekarang | Komisaris Independen PT. Bank Mestika Dharma, Tbk.
2013 July-now | Independent Commissioner of PT. Bank Mestika Dharma, Tbk.
2013 Juli-sekarang | Ketua Komite Remunerasi and Nominasi PT. Bank Mestika Dharma, Tbk
2013 July-now | Chairman of Remuneration and Nomination Committee PT. Bank Mestika Dharma, Tbk.
2020 September-sekarang | Ketua Komite Pemantau Risiko PT. Bank Mestika Dharma, Tbk.
2020 September-now | Chairman of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk.
Nama/Name Pendidikan Formal/Formal Education
Adanan Silaban 1988: S-1 Ekonomi
Anggota Komite Pemantau Risiko Economy Bachelor’s Degree
Member of Risk Oversight Committee 1994: S-2 Akuntansi
Master’s Degree of Accounting
2009: S-3 Akuntansi
Doctoral Degree of Accounting
2019: Certification in Audit Committee Practices (CACP)
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2019: Certified Enterprise Risk Analyst (CERA)
Usia / Age 65 Tahun / 65 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja/Career History
1987-sekarang | Dosen di Universitas Nomensen Sumatera Utara
1987-now | Lecturer at Nomensen University of North Sumatera
2007-2013 Juli | Anggota Komite Audit PT. Bank Mestika Dharma
2007-2013 July | Member of Audit Committee PT. Bank Mestika Dharma
2013 Juli-September 2020 | Anggota Komite Audit PT. Bank Mestika Dharma, Tbk
2013 July-September 2020 | Member of Audit Committee PT. Bank Mestika Dharma, Tbk
2020 September-sekarang | Anggota Pemantau Risiko PT. Bank Mestika Dharma, Tbk
2020 September-now | Member of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk
Nama/Name Pendidikan Formal/Formal Education
Chandra Tandiono 1989: S-1 Ekonomi
Anggota Komite Pemantau Risiko Economy Bachelor’s degree
Member of Risk Oversight Committee
Usia / Age 59 Tahun / 59 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja/Career History
1989-1993 | Kantor Akuntan Publik Haryono Junianto dan Sapto
1989-1993 I Haryono Junianto and Sapto Public Accountant
1993-2008 | Kantor Akuntan Publik Drs. Togar Manik
1993-2008 | Drs. Togar Manik Public Accountant
2009-2016 | Kantor Akuntan Publik Erzito
2009-2016 | Erzito Public Accountant
2006-sekarang | Advisor Audit Internal dan Perpajakan pada PT. Teguh Metta Internusa
2006-now | Advisor Internal Audit and Tax at PT. Teguh Metta Permata
2011-sekarang | Advisor Audit Internal dan Perpajakan pada PT. Srinaga Permata
2011-now | Advisor Internal Audit and Tax at PT. Srinaga Permata
2020-sekarang | Anggota Komite Pemantau Risiko PT. Bank Mestika Dharma, Tbk
2020-now | Member of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk
Tugas dan Tanggung Jawab komite Pemantau Duties and Responsibilities of the Risk Oversight
Risiko Committee
Bank telah memiliki Pedoman dan Tata Tertib The Bank has a Risk Oversight Committee Charter
Kerja Komite Pemantau Risiko yang telah which has been established through Decree
ditetapkan melalui SK No.039/SK- No.039/SK-BMD/DIR/2023 dated September
BMD/DIR/2023 tanggal 25 September 2023. 25th, 2023.
Melakukan evaluasi kesesuaian antara Evaluating the conformity between risk
kebijakan manajemen risiko dan management policies and the
pelaksanaan kebijakan Bank. implementation of the Bank's policies.
Pemantauan dan evaluasi pelaksanaan Monitoring and evaluating the
tugas Komite Manajemen Risiko dan Bagian implementation of the duties of the Risk
Manajemen Risiko. Management Committee and Risk
Management Section.
Memberikan rekomendasi kepada Dewan Provide recommendations to the Board of
Komisaris berdasarkan hasil evaluasi yang Commissioners based on the results of the
telah dilakukan. evaluation that has been carried out.
Membantu Dewan Komisaris dalam proses Assisting the Board of Commissioners in the
pemberian persetujuan kebijakan process of approving risk management
manajemen risiko. policies.
Membantu Dewan Komisaris menyusun Assisting the Board of Commissioners in
laporan-laporan yang dibutuhkan terkait preparing required reports related to the
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dalam pelaksanaan tugas Komite Pemantau implementation of the duties of the Risk
Risiko. Monitoring Committee.
Komite Pemantau Risiko berwenang The Risk Monitoring Committee is authorized
melakukan kegiatan dalam pelaksanaan to carry out activities in the implementation
tugas dan tanggung jawab komite. of the committee's duties and
responsibilities.
Anggota Komite Pemantau Risiko wajib Members of the Risk Monitoring Committee
melaksanakan tugas, tanggung jawab, dan shall carry out their duties, responsibilities
wewenang dengan berintegritas, and authorities with integrity, independence,
independen, memiliki kompetensi serta competence and reputation.
menjaga reputasi.
Independensi Komite Pemantau Risiko Risk Oversight Committee Independency
Seluruh anggota Komite Pemantau Risiko All members of the Risk Oversight Committee are
adalah Pihak Independen sehingga tidak Independent Parties and therefore have no
memiliki hubungan keuangan, kepengurusan, financial, management, share ownership and/or
kepemilikan saham dan/atau hubungan family relationships with the Board of
keluarga dengan Dewan Komisaris, Direksi Commissioners, Board of Directors and/or
dan/atau Pemegang Saham Pengendali atau Controlling Shareholders or relationships with the
hubungan dengan Bank yang dapat Bank that may affect their ability to act
mempengaruhi kemampuannya untuk independently.
bertindak independen.
Rapat Komite Pemantau Risiko Risk Oversight Committee meetings
Rapat Komite Pemantau Risiko diselenggarakan Risk Oversight Committee meetings are held at
minimal 1 (satu) kali dalam 1 (satu) bulan, least once a month, throughout 2024 the Risk
sepanjang tahun 2024 Komite Pemantau Risiko Oversight Committee met 12 (twelve) times. Risk
melakukan rapat sebanyak 12 (dua belas) kali. Oversight Committee meetings can only be held
Rapat Komite Pemantau Risiko hanya dapat if attended by the majority of committee
dilaksanakan jika dihadiri mayoritas anggota members, which is more than 50%. Meetings
komite, yaitu lebih dari 50%. Rapat dapat can be held either by physical presence or
diselenggarakan baik dengan kehadiran fisik through electronic media or a combination of
maupun melalui media elektronik atau both.
kombinasi antara keduanya.
Keputusan dalam rapat Komite Pemantau Decisions in the Risk Oversight Committee
Risiko terlebih dahulu dilakukan berdasarkan meetings are first made based on deliberation
musyawarah untuk mufakat. Dalam hal tidak for consensus. In the event that deliberation for
terjadi musyawarah untuk mufakat, consensus does not occur, decision making is
pengambilan keputusan dilakukan berdasarkan based on a majority vote. The results of the Risk
suara terbanyak. Hasil rapat Komite Pemantau Oversight Committee meetings shall be set forth
Risiko wajib dituangkan dalam risalah rapat dan in the minutes of meetings and documented.
didokumentasikan.
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Frekuensi Rapat Komite Pemantau Risiko Frequency of Risk Oversight Committee
Meetings
Anggota Komite
Jabatan Jumlah Rapat Kehadiran %Kehadiran
Committee
Position Meeting Frequency Attendance %Attendance
Member
Katio Ketua Komite Pemantau 12 (dua belas) kali 12 100%
Risiko 12 (twelve) times
Chairman of Risk Oversight
Committee
Adanan Silaban Anggota Komite Pemantau 12 100%
Risiko
Member of Risk Oversight
Committee
Chandra Anggota Komite Audit 11 91.67%
Tandiono Member of Risk Oversight
Committee
Program Kerja Komite Pemantau Risiko dan Risk Oversight Committee Work Program and
Realisasi Program kerja Komite Pemantau Realization of Risk Oversight Committee Work
Risiko Program
Tugas dan Tanggung
Jawab/ Catatan/
No.
Duties and Note
responsibilities
1 Melakukan evaluasi Komite Pemantau Risiko melakukan evaluasi kesesuaian antara kebijakan manajemen
kesesuaian antara risiko dan pelaksanaan kebijakan Bank pada bulan Desember 2024. Hasil evaluasi
kebijakan manajemen menunjukkan bahwa kebijakan tersebut diterapkan secara memadai dengan output
risiko dan risiko komposit yang berhasil dikelola pada level “Low to Moderate”.
pelaksanaan
kebijakan Bank Kesesuaian kebijakan Manajemen Risiko dengan pelaksanaannya juga dipantau secara
Evaluate the berkala pada Rapat Komite Pemantau Risiko yang dilakukan secara bulanan dengan
suitability of risk melakukan pemantauan terhadap realisasi eksposur risiko dibandingkan dengan
management policies Kebijakan Risk Appetite Threshold dan Risk Tolerance yang diatur didalam SK Internal
and the No.052/SK-BMD/DIR/2023 yang ditetapkan tanggal 18 Desember 2023 yang mulai
implementation of the berlaku pada Januari 2024, SK Internal No.009/SK-BMD/DIR/2024 yang ditetapkan
Bank's policies. tanggal 21 Maret 2024, dan penyesuaian Risk Appetite Threshold dan Risk Tolerance
Indikator Penilaian Risiko Inheren yang ditetapkan melalui SK Internal No.039/SK-
BMD/DIR/2024 pada tanggal 25 Juni 2024.
The Risk Oversight Committee evaluated the suitability of the risk management policy
and the implementation of the Bank's policy in December 2024. The results of the
evaluation showed that the policy was adequately implemented with the output
composite risk being successfully managed at the “Low to Moderate” level.
The suitability of Risk Management policies with their implementation is also
monitored regularly at the Risk Oversight Committee Meetings which are conducted on
a monthly basis by monitoring the realization of risk exposures compared to the Risk
Appetite Threshold and Risk Tolerance Policies stipulated in Internal Decree No.052 /SK-
BMD/DIR/2023 stipulated on December 18th, 2023 which came into effect in January
2024, Internal Decree No.009/SK-BMD/DIR/2024 stipulated on March 21st, 2024, and
adjustments to the Risk Appetite Threshold and Risk Tolerance of Inherent Risk
Assessment Indicators stipulated through Internal Decree No.039/SK-BMD/DIR/2024
on June 25th, 2024.
2 Pemantauan dan Komite Manajemen Risiko sepanjang tahun 2024 menyelenggarakan rapat sebanyak 4
evaluasi pelaksanaan (empat) kali, rapat Komite Manajemen Risiko tersebut membahas eksposur risiko
tugas Komite Bank, kebijakan internal terkait pengelolaan risiko, penetapan limit-limit transaksi,
Manajemen Risiko penetapan hak akses pengguna TI, penetapan limit yang tertuang dalam Risk Appetite
dan Bagian Threshold dan Risk Tolerance serta kebijakan-kebijakan Regulator terkait dengan
Manajemen Risiko penerapan manajemen risiko.
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Monitoring and The Risk Management Committee held 4 (four) meetings throughout 2024, the Risk
evaluating the Management Committee meetings discussed the Bank's risk exposure, internal policies
implementation of the related to risk management, determination of transaction limits, determination of IT
duties of the Risk user access rights, determination of limits contained in the Risk Appetite Threshold and
Management Risk Tolerance and Regulatory policies related to the implementation of risk
Committee and Risk management.
Management Section.
Bagian Manajemen Risiko Bank Mestika telah melaksanakan tugas dan tanggung
jawab, yang meliputi:
1. Memberikan masukan kepada Direksi dalam penyusunan kebijakan, strategi dan
kerangka manajemen risiko,
2. Mengembangkan prosedur dan alat untuk identifikasi, pengukuran, pemantauan
dan pengendalian risiko,
3. Mendesain dan menerapkan perangkat yang dibutuhkan dalam penerapan
manajemen risiko,
4. Memantau implementasi kebijakan, strategi dan kerangka manajemen risiko yang
direkomendasikan oleh Komite Manajemen Risiko dan yang telah disetujui oleh
Direksi,
5. Memantau posisi atau eksposur risiko secara keseluruhan, maupun per risiko
termasuk pemantauan kepatuhan terhadap toleransi risiko dan limit yang ditetapkan,
6. Melakukan stress testing guna mengetahui dampak dari implementasi kebijakan dan
strategi manajemen risiko terhadap portofolio atau kinerja Bank secara keseluruhan,
7.Mengkaji usulan produk dan/ atau aktivitas baru yang dikembangkan oleh suatu unit
tertentu Bank yang difokuskan terutama pada aspek kemampuan Bank untuk
mengelola produk dan/ atau aktivitas baru termasuk kelengkapan sistem dan prosedur
yang digunakan serta dampaknya terhadap eksposur risiko Bank secara keseluruhan,
8.Memberikan rekomendasi kepada satuan kerja bisnis dan/ atau kepada Komite
Manajemen Risiko terkait penerapan manajemen risiko antara lain mengenai besaran
atau maksimum eksposur risiko yang dapat dipelihara Bank,
9. Mengevaluasi akurasi dan validitas data yang digunakan oleh Bank untuk mengukur
risiko bagi Bank yang menggunakan model untuk keperluan intern,
10. Menyusun dan menyampaikan laporan profil risiko kepada
Presiden Direktur, Direktur Kepatuhan, dan Ketua Komite Manajemen Risiko secara
triwulanan,
11. Melaksanakan kaji ulang secara berkala dengan frekuensi yang disesuaikan
kebutuhan Bank, untuk memastikan:
a. Kecukupan kerangka manajemen risiko,
b. Keakuratan metodologi penilaian risiko, dan
c. Kecukupan sistem informasi manajemen risiko
Bank Mestika's Risk Management Department has carried out its duties and
responsibilities, which include:
1. Provide inputs to the Board of Directors in the formulation of risk management
policies, strategies and framework,
2. Develop procedures and tools for risk identification, measurement, monitoring and
control,
3. Designing and implementing tools required in the implementation of risk
management,
4. Monitor the implementation of risk management policies, strategies and frameworks
recommended by the Risk Management Committee and approved by the Board of
Directors,
5. Monitor the overall risk position or exposure, as well as per risk, including monitoring
compliance with risk tolerances and limits set,
6. Conduct stress testing to determine the impact of the implementation of risk
management policies and strategies on the Bank's portfolio or overall performance,
7. Reviewing the proposed new products and/or activities developed by a particular
unit of the Bank, focusing primarily on the Bank's ability to manage new products
and/or activities including the completeness of the systems and procedures used and
their impact on the Bank's overall risk exposure,
8. Provide recommendations to business units and/or to the Risk Management
Committee regarding the implementation of risk management, among others,
regarding the amount or maximum risk exposure that the Bank can maintain,
9. Evaluate the accuracy and validity of data used by the Bank to measure risk for Banks
that use models for internal purposes,
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10. Prepare and submit risk profile reports to
President Director, Compliance Director, and Chairman of the Risk Management
Committee on a quarterly basis,
11. Carry out periodic reviews with a frequency adjusted to the needs of the Bank, to
ensure:
a. The adequacy of the risk management framework
b. The accuracy of the risk assessment methodology, and
c. Adequacy of risk management information system
3 Memberikan Sepanjang periode tahun 2024, Komite Pemantau Risiko melaksanakan rapat sebanyak
rekomendasi kepada 12 (dua belas) kali dengan melakukan berbagai pembahasan terkait dengan:
Dewan Komisaris 1. Pemantauan risiko inheren Bank
berdasarkan hasil 2. Profil Risiko Bank
evaluasi yang telah 3. Tingkat Kesehatan Bank
dilakukan. 4. ICAAP
Provide 5. Tingkat Keamanan Siber Bank
recommendations to 6. Stress Test Risiko Kredit, Pasar dan Likuiditas
the Board of 7. Pencapaian Rencana Bisnis Bank
Commissioners based 8. Pencapaian Rencana Strategis TI
on the results of the 9. Penyesuaian RAT & RT Bank
evaluation that has 10. Trend Pertumbuhan Bank
been carried out. 11. Hak Akses Pengguna TI berdasarkan Kodefikasi
12. Limit Operator dan Otorisasi Transaksi
13. Limit Transaksi PUAB
14. Limit Transaksi Obligasi
15. Limit Transaksi GMRA
16. Limit Transaksi Forex
17. Limit Transaksi Dealer
18. Implementasi Pelindungan Data Pribadi
19. Hasil Review SOP Legal
20. Tugas Anggota Komite Pemantau Risiko
21. Suku Bunga Dasar Kredit
22. Recovery Plan & Resolution Plan
23. Penyesuaian Komite Manajemen Risiko
24. Evaluasi Kinerja Bagian Manajemen Risiko 2024
25. Evaluasi Komite Manajemen Risiko 2024
26. Evaluasi Komite Pemantau Risiko 2024
27. Risk Capacity
28. Risk Appetite Threshold & Risk Tolerance 2025
29. Risk Appetite Threshold & Risk Tolerance Keamanan Siber 2025
30. Kaji Ulang & Evaluasi Pengukuran Risiko 2024
31. Kaji Ulang & Evaluasi Pengukuran Risiko Siber 2024
32. Kaji Ulang & Evaluasi Hak Akses Pengguna TI 2024
33. Penyesuaian Kebijakan & Pedoman Manajemen Risiko
34. Due Diligence Counterparty ATMR Kredit 2024
Throughout the period of 2024, the Risk Oversight Committee held 12 (twelve)
meetings by conducting various discussions related to:
1. Bank Inherent Risk Monitoring
2. Bank Risk Profile
3. Health Level of the Bank
4. ICAAP
5. Bank Cybersecurity Level
6. Stress Test of Credit, Market and Liquidity Risk
7. Achievement of the Bank's Business Plan
8. Achievement of the IT Strategic Plan
9. Bank RAT & RT adjustments
10. Bank growth trends
11. IT User Access Rights Based on Codification
12. Operator Limits and Transaction Authorization
13. PUAB Transaction Limit
14. Bond Transaction Limits
15. GMRA Transaction Limit
16. Forex Transaction Limits
17. Dealer Transaction Limits
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18. Implementation of Personal Data Protection
19. Legal SOP Review Results
20. Duties of Risk Oversight Committee Members
21. Basic Credit Interest Rate
22. Recovery Plan & Resolution Plan
23. Adjustment of the Risk Management Committee
24. Performance Evaluation of the Risk Management Department 2024
25. Evaluation of the 2024 Risk Management Committee
26. Evaluation of the 2024 Risk Oversight Committee
27. Risk Capacity
28. Risk Appetite Threshold & Risk Tolerance 2025
29. Risk Appetite Threshold & Risk Tolerance for Cybersecurity 2025
30. Review & Evaluation of Risk Measurements 2024
31. Review & Evaluation of Cyber Risk Measurements 2024
32. Review & Evaluation of IT User Access Rights 2024
33. Adjustment of Risk Management Policies & Guidelines
34. Due Diligence Counterparty ATMR Credit 2024
Rapat pada tanggal 24 Januari 2024 menghasilkan rekomendasi:
1. Melakukan inovasi produk kredit maupun DPK yang didasari dengan analisis yang
memadai sebaga bentuk pengelolaan strategic risk dalam pencapaian rencana bisnis
tahun 2024,
2. Mempertimbangkan pengembangan yang dilakukan sesuai dengan rencana
strategis IT, perlu meningkatkan kemampuan baik pada perangkat maupun SDM
termasuk awareness dari seluruh karyawan dalam memitigasi risiko terutama dari
aspek keamanan siber.
The meeting on January 24th, 2024 resulted in the following recommendations:
1. Innovate credit and deposits products based on adequate analysis as a form of
strategic risk management in achieving the 2024 business plan,
2. Considering the development carried out in accordance with the IT strategic plan, it
is necessary to improve the capabilities of both devices and human resources including
awareness of all employees in mitigating risks, especially from the aspect of cyber
security.
Rapat pada tanggal 27 Februari 2024 menghasilkan rekomendasi: Memastikan
kecukupan pencadangan untuk memitigasi risiko kredit khususnya dari NPL kelompok
debitur inti.
The meeting on February 27th, 2024 resulted in recommendations: Ensure adequate
provisioning to mitigate credit risk, especially from Non Performing Loan of core debtor
groups.
Rapat pada tanggal 20 Maret 2024 menghasilkan rekomendasi: Menetapkan
penyesuaian Risk Appetite Threshold & Risk Tolerance terhadap indikator pengukuran
risiko inheren pada risiko operasional.
The meeting on March 20th, 2024 resulted in recommendations: Establish Risk Appetite
Threshold & Risk Tolerance adjustments to inherent risk measurement indicators in
operational risk.
Rapat pada tanggal 25 April 2024 menghasilkan rekomendasi:
1. Melakukan evaluasi penanganan NPL yang meningkat terutama pada kelompok
debitur inti.
2. Melakukan pemantauan saat ini dan dampaknya terhadap Bank terutama dari nilai
tukar dan yield surat berharga.
3. Melakukan pengujian stress test secara berkala untuk mengukur dampak dari
perubahan kondisi pasar terhadap Bank terutama permodalan dan aset likuid.
The meeting on April 25th, 2024 resulted in recommendations:
1. Evaluate the handling of Non Performing Loan that have increased, especially in the
core debtor group.
2. Conduct current monitoring and its impact on the Bank especially from exchange
rates and securities yields.
3. Conduct regular stress tests to measure the impact of changes in market conditions
on the Bank, especially capital and liquid assets.
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Rapat pada tanggal 28 Mei 2024 menghasilkan rekomendasi: Mengevaluasi
kemampuan membayar dari debitur yang NPL untuk menetapkan penanganan yang
tepat, salah satunya dengan restrukturisasi kredit.
The meeting on May 28th, 2024 resulted in recommendations:
Evaluate the ability to pay of Non Performing Loan debtors to determine appropriate
handling, one of which is by restructuring loans.
Rapat pada tanggal 25 Juni 2024 menghasilkan rekomendasi:
1. Menetapkan penyesuaian terhadap Kebijakan dan Pedoman Manajemen Risiko, Risk
Appetite Threshold dan Risk Tolerance serta struktur Komite Manajemen Risiko.
2. Memperhatikan keseimbangan antara kenaikan kredit dengan kenaikan DPK dengan
memperhatikan LDR/RIM target.
The meeting on June 25th, 2024 resulted in recommendations:
1. Establish adjustments to the Risk Management Policy and Guidelines, Risk Appetite
Threshold and Risk Tolerance as well as the structure of the Risk Management
Committee.
2. Pay attention to the balance between the increase in credit and the increase in
deposits by considering the LDR/RIM target.
Rapat pada tanggal 22 Juli 2024 menghasilkan rekomendasi:
1. Melakukan upaya peningkatan pencapaian terhadap beberapa kinerja Bank, seperti
realisasi pencapaian DPK sebesar 97,68% dari target yang ditetapkan dan pencapaian
laba Bank sebesar 77,42% dari target pada periode Semester I 2024.
2. Berkaitan dengan meningkatnya unsur ketidakpastian, maka perlu penguatan
pengelolaan risiko kredit.
The meeting on July 22nd, 2024 resulted in recommendations:
1. Make efforts to improve the achievement of some of the Bank's performance, such
as the realization of the achievement of deposits of 97.68% of the target set and the
achievement of the Bank's profit of 77.42% of the target in the first semester period of
2024.
2. In connection with the increasing element of uncertainty, it is necessary to strengthen
credit risk management.
Rapat pada tanggal 27 Agustus 2024 menghasilkan rekomendasi:
1. Mempertimbangkan bobot perhitungan ATMR Kredit pada kelonggaran tarik yang
meningkat hingga 40%, maka perlu melakukan evaluasi terhadap utilisasi penggunaan
PRK yang diberikan kepada debitur.
2. Pertumbuhan kredit (8,71% ytd posisi Juli-24) yang tidak sebanding dengan
pertumbuhan DPK (0,35% ytd posisi Juli-24), perlu dilakukan upaya untuk
meningkatkan DPK terutama CASA.
The meeting on August 27th, 2024 resulted in recommendations:
1. Considering the weight of the Credit RWA calculation the withdrawal allowance
which has increased to 40%, it is necessary to evaluate the utilization of the use of PRK
given to debtors.
2. Credit growth (8.71% ytd July-24 position) which is not proportional to the growth of
third party funds (0.35% ytd July-24 position), it is necessary to make efforts to increase
third party funds, especially CASA.
Rapat pada tanggal 24 September 2024 menghasilkan rekomendasi:
1. Kebijakan Maturitas Digital perlu mengatur prosedur review hasil penilaiannya untuk
memastikan objektivitas dari hasil penilaian.
2. Belum terdapat dokumen gap analysis yang memadai untuk menginventarisir
aktivitas apa saja yang perlu dilakukan oleh Bank terutama penyesuaian kebijakan/
prosedur yang dibutuhkan dalam aktivitas operasional dari seluruh satuan kerja yang
terkait dengan penerapan UU PDP. Mengingat tenggat waktu pemenuhan kurang dari
1 (satu) bulan yaitu pada 17 Oktober 2024 maka perlu segera menyusun gap analysis
yang memadai termasuk timeframe pemenuhannya.
3. Menyusun dan menetapkan kebijakan serta prosedur Pelindungan Data Pribadi dan
aktivitas Bagian Legal dengan memadai. Hal tersebut merupakan aspek penilaian
KPMR risiko operasional dan risiko hukum serta aspek GCG pada governance structure
pilar penerapan manajemen risiko.
The meeting on September 24th, 2024 resulted in recommendations:
1. The Digital Maturity Policy needs to regulate the procedure for reviewing the
assessment results to ensure the objectivity of the assessment results.
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2. There is no adequate gap analysis document to inventory what activities need to be
carried out by the Bank, especially the adjustment of policies/ procedures needed in the
operational activities of all work units related to the implementation of the PDP Law.
Considering that the deadline for fulfillment is less than 1 (one) month, namely on
October 17th, 2024, it is necessary to immediately prepare an adequate gap analysis
including the fulfillment timeframe.
3. Adequately develop and establish policies and procedures for Personal Data
Protection and Legal Section activities. This is an aspect of the KPMR assessment of
operational risk and legal risk and the GCG aspect of the governance structure pillar of
risk management implementation.
Rapat pada 21 Oktober 2024 menghasilkan rekomendasi: Perhitungan SBDK dilakukan
dengan mempertimbangkan strategi bisnis per masing-masing jenis kredit sesuai
dengan business plan.
The meeting on October 21st, 2024 resulted in recommendations: The calculation of the
Prime Lending Rate is carried out by considering the business strategy for each type of
credit in accordance with the business plan.
Rapat pada tanggal 18 November 2024 menghasilkan rekomendasi: Draft Rencana Aksi
Pemulihan dan Rencana Resolusi kepada Dewan Komisaris untuk disetujui.
The meeting on November 18th, 2024 resulted in recommendations: Draft Recovery
Action Plan and Resolution Plan to the Board of Commissioners for approval.
Rapat pada 17 Desember 2024 menghasilkan rekomendasi:
1. Menetapkan Surat Keputusan, sebagai berikut:
- Kebijakan dan Pedoman Manajemen Risiko,
- Risk Appetite Threshold & Risk Tolerance Risiko Inheren,
- Risk Appetite Threshold & Risk Tolerance Risiko Keamanan Siber.
2. Menetapkan penyesuaian KPT Pengelolaan Risiko Siber.
The meeting on December 17th, 2024 resulted in recommendations:
1. Establish the Decision Letter, as follows:
- Risk Management Policy and Guidelines,
- Risk Appetite Threshold & Risk Tolerance for Inherent Risk,
- Risk Appetite Threshold & Risk Tolerance for Cyber Security Risk.
2. Establish the adjustment of Cyber Risk Management Written Procedure Policy.
4 Membantu Dewan Beberapa Kebijakan terkait dengan Manajemen Risiko pada Periode tahun 2024 yang
Komisaris dalam telah melalui evaluasi oleh Komite Pemantau Risiko dan disahkan oleh Dewan
proses pemberian Komisaris:
persetujuan kebijakan 1. SK No.009/SK-BMD/DIR/2024 perihal Penyesuaian Risk Appetite Threshold dan Risk
Manajemen Risiko. Tolerance Indikator Penilaian Risiko Inheren.
Assist the Board of 2. SK No.038/SK-BMD/DIR/2024 perihal Kebijakan dan Pedoman Manajemen Risiko PT
Commissioners in the Bank Mestika Dharma, Tbk.
process of approving 3. SK No.039/SK-BMD/DIR/2024 perihal Penyesuaian Risk Appetite Threshold dan Risk
Risk Management Tolerance Indikator Penilaian Risiko Inheren.
policies. 4. SK No.040/SK-BMD/DIR/2024 perihal Komite Manajemen Risiko PT Bank Mestika
Dharma, Tbk.
5. SK No.067/SK-BMD/DIR/2024 perihal Kebijakan dan Pedoman Manajemen Risiko PT
Bank Mestika Dharma, Tbk.
6. SK No.068/SK-BMD/DIR/2024 perihal Risk Appetite Threshold dan Risk Tolerance.
7. SK No.069/SK-BMD/DIR/2024 perihal Risk Appetite Threshold dan Risk Tolerance
Risiko Keamanan Siber.
Several Policies related to Risk Management for the Period of 2024 that have been
evaluated by the Risk Oversight Committee and endorsed by the BoC:
1. Decree No.009/SK-BMD/DIR/2024 regarding Adjustment of Risk Appetite Threshold
and Risk Tolerance Indicators for Inherent Risk Assessment.
2. Decree No.038/SK-BMD/DIR/2024 regarding Risk Management Policy and
Guidelines of PT Bank Mestika Dharma, Tbk.
3. Decree No.039/SK-BMD/DIR/2024 regarding Adjustment of Risk Appetite Threshold
and Risk Tolerance of Inherent Risk Assessment Indicators.
4. Decree No.040/SK-BMD/DIR/2024 regarding the Risk Management Committee of PT
Bank Mestika Dharma, Tbk.
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5. Decree No.067/SK-BMD/DIR/2024 regarding Risk Management Policy and
Guidelines of PT Bank Mestika Dharma, Tbk.
6. Decree No.068/SK-BMD/DIR/2024 regarding Risk Appetite Threshold and Risk
Tolerance.
7. Decree No.069/SK-BMD/DIR/2024 regarding Risk Appetite Threshold and Risk
Tolerance for Cyber Security Risk.
5 Membantu Dewan Membantu support data terkait fungsi komite pemantau risiko untuk keperluan
Komisaris menyusun Laporan Pengawasan Rencana Bisnis, Laporan Pengawasan Dewan Komisaris yang
laporan - laporan yang dilaporkan kepada Otoritas Jasa Keuangan secara semesteran, dan Laporan Hasil
dibutuhkan terkait Pengawasan Dewan Komisaris Penyedia Jasa Pembayaran yang dilaporkan secara
dalam pelaksanaan tahunan.
tugas Komite Assist in supporting data related to the risk monitoring committee function for the
Pemantau Risiko. purposes of the Business Plan Supervisory Report, the Board of Commissioners
Assist the BoC in Supervisory Report reported to the Financial Services Authority on a semi-annual basis,
preparing required and the Payment Service Provider Board of Commissioners Supervisory Report reported
reports related to the on an annual basis.
implementation of the
duties of the Risk
Oversight Committee.
6 Komite Pemantau Sesuai dengan Pedoman dan Tata Tertib Kerja Komite Pemantau Risiko yang
Risiko berwenang ditetapkan melalui SK Internal No.39/SK-BMD/DIR/2023 pada tanggal 25 September
melakukan kegiatan 2023, Komite Pemantau Risiko berwenang untuk melakukan Rapat sesuai dengan
dalam pelaksanaan kebutuhan, minimal 1 (satu) kali dalam 1 (satu) bulan dengan dihadiri mayoritas
tugas dan tanggung anggota komite yaitu lebih dari 50% dengan kehadiran fisik maupun melalui media
jawab komite. elektronik atau kombinasi dari keduanya.
The Risk Oversight In accordance with the Guidelines and Work Rules of the Risk Oversight Committee
Committee is established through Internal Decree No.39/SK-BMD/DIR/2023 on September 25th,
authorised to carry 2023, the Risk Oversight Committee is authorised to conduct meetings as needed, at
out activities in the least once a month with the presence of the majority of committee members, which is
implementation of the more than 50% by physical presence or through electronic media or a combination of
committee's duties both.
and responsibilities.
7 Anggota Komite Anggota Komite Pemantau Risiko pada periode tahun 2024 ini telah melaksanakan
Pemantau Risiko tugas, tanggung jawab dan wewenang sesuai dengan Pedoman dan Tata Tertib Kerja
wajib melaksanakan Komite Pemantau Risiko yang ditetapkan melalui SK Internal No.39/SK-BMD/DIR/2023,
tugas, tanggung jawab terlihat dari partisipasi seluruh Anggota Komite yang hadir dalam rapat yang
dan wewenang diselenggarakan sebanyak 12 (dua belas) kali pada tahun ini, serta memberikan
dengan berintegrasi, rekomendasi-rekomendasi dalam peningkatan penerapan manajemen risiko Bank.
independent, Pada tahun 2024 ini, 1 (satu) orang Anggota Komite Pemantau Risiko telah berhasil
memiliki kompetensi mendapatkan Sertifikasi Manajemen Risiko Jenjang 6 dan 7, dan 1 (satu) orang Anggota
serta menjaga Komite Pemantau Risiko telah berhasil mendapatkan Sertifikasi Manajemen Risiko
reputasi. Jenjang 4. Sepanjang tahun 2024 ini seluruh anggota Komite Pemantau Risiko juga
Members of the Risk mengikuti training untuk meningkatkan kompetensi dibidang manajemen risiko.
Oversight Committee Members of the Risk Oversight Committee in the 2024 period have carried out their
must carry out their duties, responsibilities and authorities in accordance with the Guidelines and Work
duties, responsibilities Rules of the Risk Oversight Committee established through Internal Decree No.39/SK-
and authorities with BMD/DIR/2023, as seen from the participation of all Committee Members who
integration, attended the meetings held 12 (twelve) times this year, as well as providing
independence, recommendations in improving the Bank's risk management implementation. In 2024,
competence and 1 (one) member of the Risk Oversight Committee has successfully obtained Risk
maintain a good Management Certification Levels 6 and 7, and 1 (one) member of the Risk Oversight
reputation. Committee has successfully obtained Risk Management Certification Level 4.
Throughout 2024, all members of the Risk Oversight Committee also attended training
to improve competence in the field of risk management.
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Pelatihan dan/atau peningkatan kompetensi Training and/or competency improvement of
Anggota Komite Pemantau Risiko Risk Oversight Committee Members
No. Judul Pelatihan / Training Topic Peserta /
Members
1 Integrated AI Innovation with ISO/IEC 42001 Katio
2 Sosialisasi Pelindungan Konsumen terkait POJK Nomor 22 tahun Katio;
2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa Chandra
Keuangan Tandiono;
Socialization of Consumer Protection related to POJK Number 22 of Adanan Silaban
2023 concerning Consumer and Community Protection in the
Financial Services Sector
3 Program Penyelarasan Sertifikasi Manajemen Risiko J6 bagi Komisaris Katio
J6 Risk Management Certification Alignment Program for
Commissioners
4 Training Pembekalan dan Sertifikasi CGOP (Certified Governance Katio
Oversight Professional)
CGOP (Certified Governance Oversight Professional) Debriefing and
Certification Training
5 Video Learning Transformasi Digital Katio
Digital Transformation Video Learning
6 Sosialisasi IT Security Awareness Katio
IT Security Awareness Socialization
7 Pengkinian/Refreshment Program Sertifikasi Manajemen Risiko Adanan Silaban
Jenjang 5
Level 5 Risk Management Certification Program
Update/Refreshment
8 Refreshment ( Pengkinian ) dan Sertifikasi Manajemen Risiko J6 & J7 Adanan Silaban
Risk Management Refreshment and Certification J6 & J7
9 Sertifikasi Manajemen Risiko Jenjang 4 (Pembekalan) Chandra
Level 4 Risk Management Certification (Debriefing) Tandiono
7. Komite Remunerasi dan Nominasi 7. Remuneration and Nomination Committee
Struktur, Keanggotaan, Keahlian dan Remuneration and Nomination Committee
Independensi Komite Remunerasi dan Structure, Membership, Expertise and
Nominasi Independence
Komite Remunerasi dan Nominasi Bank terdiri The Bank's Remuneration and Nomination
dari 3 (tiga) orang yakni, seorang Komisaris Committee consists of 3 (three) persons, namely,
Independen yang mengetuai Komite an Independent Commissioner who chairs the
Remunerasi dan Nominasi (Bapak Katio), Remuneration and Nomination Committee (Mr.
seorang Komisaris (Bapak Indra Halim), serta Katio), a Commissioner (Mr. Indra Halim), and
seorang Pejabat Eksekutif yang membawahi an Executive Officer in charge of Human
Sumber Daya Manusia (Ibu Rita Ana). Anggota Resources (Ms. Rita Ana). Members of the
Komite Remunerasi dan Nominasi diangkat Remuneration and Nomination Committee are
berdasarkan Surat Keputusan Internal Bank appointed based on the Bank's Internal Decree
nomor 029/SK-BMD/DIR/2024. number 029/SK-BMD/DIR/2024.
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Susunan anggota Komite Remunerasi and The composition of Remuneration and
Nominasi Nomination Committee members
Nama/Name Keterangan/Information
1. Katio : Ketua Komite Remunerasi dan Nominasi
Chairman of Remuneration and Nomination Committee
Komisaris Independen
Independent Commissioner
2. Indra Halim : Anggota Komite Remunerasi dan Nominasi
Member of Remuneration and Nomination Committee
Komisaris
Commissioner
3. Rita Ana : Anggota Komite Remunerasi dan Nominasi
Member of Remuneration and Nomination Committee
Kepala Divisi Human Capital
Head of Human Capital Division
Riwayat Anggota Komite Remunerasi dan Background of Remuneration and Nomination
Nominasi Committee
Nama/Name Pendidikan Formal/Formal Education
Katio 1999: S-2 Magister Manajemen
Ketua Komite Remunerasi dan Nominasi Master’s Degree of Management
Chairman of Remuneration and Nomination
Committee
Usia / Age 81 Tahun / 81 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja
Career History
1965-1971 | Pemeriksa pada Kantor Akuntan Negara Departemen Keuangan
1965-1971 | Auditor at State Finance Department Accountant Office
1971-1983 | Kepala Seksi Bidang Agraris pada DJPKN/BPKP
1971-1983 | DJPKN/BPKP Agrarian Section Chief
1984-2008 | Dosen Tetap Jurusan Akuntansi Fakultas Ekonomi USU Medan
1984-2008 | Lecturer at Faculty of Economy, USU Medan
1984-sekarang | Pimpinan Kantor Akuntan Publik Drs. Katio dan Rekan
1984-now | Chairman of Drs. Katio and Partners Public Accountant Office and Management Consultant
1995-1999 | Anggota Dewan Audit Bank Mestika
1995-1999 | Member of Audit Board Bank Mestika
2000-2013 Juli | Komisaris Independen PT. Bank Mestika Dharma
2000-2013 July | Independent Commissioner PT. Bank Mestika Dharma
2007-2013 Juli | Ketua Komite Audit PT. Bank Mestika Dharma
2007-2013 July | Chairman of the Audit Committee PT. Bank Mestika Dharma
2009-2013 Juli | Ketua Komite Remunerasi dan Nominasi PT. Bank Mestika Dharma
2009-2013 July | Chairman of Remuneration and Nomination Committee PT. Bank Mestika Dharma
2015-2016 | Plt. Ketua Komite Pemantau Risiko PT. Bank Mestika Dharma, Tbk.
2015-2016 | Chairman of the Tasks Execution of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk.
2013 Juli-2020 September | Ketua Komite Audit PT. Bank Mestika Dharma, Tbk.
2013 July-2020 September | Chairman of the Audit Committee PT. Bank Mestika Dharma, Tbk.
2013 Juli-sekarang | Komisaris Independen PT. Bank Mestika Dharma, Tbk.
2013 July-now | Independent Commissioner of PT. Bank Mestika Dharma, Tbk.
2013 Juli-sekarang | Ketua Komite Remunerasi and Nominasi PT. Bank Mestika Dharma, Tbk
2013 July-now | Chairman of Remuneration and Nomination Committee PT. Bank Mestika Dharma, Tbk.
2020 September-sekarang | Ketua Komite Pemantau Risiko PT. Bank Mestika Dharma, Tbk.
2020 September-now | Chairman of Risk Oversight Committee PT. Bank Mestika Dharma, Tbk.
Nama/Name Pendidikan Formal/Formal Education
Indra Halim 1978: S-1 Teknik Sipil
Anggota Komite Remunerasi dan Nominasi Bachelor’s Degree of Civil Engineering
Member of Remuneration and Nomination
Committee
Usia / Age 72 Tahun / 72 years old
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Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja/Career History
1987-2013 Juli | Komisaris PT. Bank Mestika Dharma
1987-2013 July | Commissioner of PT. Bank Mestika Dharma
1982-1984 | Direktur PT. Adipoetra
1982-1984 | Director of PT. Adipoetra
1986-1994 |Direktur PT. Carya Pharmin Pulau Siberut
1986-1994 | Director of PT. Carya Pharmin Pulau Siberut
1997-sekarang | Direktur Utama PT. Mestika Benua Mas
1997-now | President Director of PT. Mestika Benua Mas
2009-2013 Juli | Anggota Komite Remunerasi dan Nominasi PT. Bank Mestika Dharma
2009-2013 July | Member of Remuneration and Nomination Committee of PT. Bank Mestika Dharma
2013 Juli-sekarang | Komisaris PT. Bank Mestika Dharma, Tbk
2013 July-now | Commissioner of PT. Bank Mestika Dharma, Tbk
2013 Juli-sekarang | Anggota Komite Remunerasi dan Nominasi PT. Bank Mestika Dharma, Tbk
2013 July-now | Member of Remuneration and Nomination Committee of PT. Bank Mestika Dharma, Tbk
Nama/Name Pendidikan Formal/Formal Education
Rita Ana 2003: S-1 Ekonomi Manajemen
Anggota Komite Remunerasi dan Nominasi Bachelor’s Degree of Economy Majoring
Member of Remuneration and Nomination Management
Committee
Usia / Age 56 Tahun / 56 years old
Kewarganegaraan / Nationality Indonesia / Indonesian
Pengalaman Kerja/Career History
1992-2000 | Sekretaris Direksi PT. Bank Mestika Dharma
1992-2000 | Secretary of BoD PT. Bank Mestika Dharma
2000-2013 Juli | Kepala Bagian Human Resource dan General Affair PT. Bank Mestika Dharma
2000-2013 July | Head of Human Resource and General Affair Department PT. Bank Mestika Dharma
2009-2013 Juli | Anggota Komite Remunerasi dan Nominasi PT. Bank Mestika Dharma
2009-2013 July | Member of Remuneration and Nomination Committee of PT. Bank Mestika Dharma
2013 Juli-sekarang | Kepala Divisi Human Capital PT. Bank Mestika Dharma, Tbk
2013 July-now | Head of Human Capital Division PT. Bank Mestika Dharma, Tbk
2013 Juli-sekarang | Anggota Komite Remunerasi dan Nominasi PT. Bank Mestika Dharma, Tbk
2013 July-now | Member of Remuneration and Nomination Committee of PT. Bank Mestika Dharma, Tbk
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the Remuneration
Remunerasi dan Nominasi and Nomination Committee
Komite Remunerasi dan Nominasi telah The Remuneration and Nomination Committee
memiliki Pedoman dan Tata Tertib kerja Komite has a Charter which has been established through
Remunerasi dan Nominasi yang telah SK No.029/SK-BMD/DIR/2024 dated May 02,
ditetapkan melalui SK No.029/SK- 2024.
BMD/DIR/2024 tanggal 02 Mei 2024.
Berikut tugas dan tanggung jawab Komite The following are the duties and responsibilities
Remunerasi dan Nominasi terkait dengan fungsi of the Remuneration and Nomination Committee
nominasi, yakni related to the nomination function, namely
Memberikan rekomendasi kepada Dewan Provide recommendations to the BoC
Komisaris mengenai: regarding:
o Komposisi jabatan anggota Direksi o Composition of positions of members of
dan/atau Dewan Komisaris; the BoD and/or BoC
o Kebijakan dan kriteria yang dibutuhkan o Policies and criteria required in the
dalam proses Nominasi; Nomination process;
o Kebijakan evaluasi kinerja bagi anggota o Performance evaluation policy for
Direksi dan/atau anggota Dewan members of the BoD and/or members of
Komisaris. the BoC.
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Membantu Dewan Komisaris melakukan Assist the BoC in assessing the performance
penilaian kinerja anggota Direksi dan/atau of members of the BoD and/or members of
anggota Dewan Komisaris berdasarkan tolak the BoC based on benchmarks that have been
ukur yang telah disusun sebagai bahan prepared as evaluation material;
evaluasi;
Memberikan rekomendasi kepada Dewan Provide recommendations to the BoC
Komisaris mengenai program regarding capacity building programs for
pengembangan kemampuan anggota Direksi members of the BoD and/or BoC;
dan/atau Dewan Komisaris;
Mengidentifikasi dan memberikan Identify and provide recommendations
rekomendasi mengenai calon anggota regarding candidates for members of the BoD
Direksi dan/atau anggota Dewan Komisaris and/or members of the BoC to the BoC to be
kepada Dewan Komisaris untuk disampaikan submitted to the GMS;
kepada RUPS;
Memberikan rekomendasi mengenai Pihak Provide recommendations regarding
Independen yang akan menjadi anggota Independent Parties who will become
komite-komite Dewan Komisaris lainnya members of other BoC committees to the
kepada Dewan Komisaris; BoC;
Dalam melaksanakan fungsi diatas Komite In carrying out the above functions, the
Remunerasi & Nominasi wajib melakukan Remuneration & Nomination Committee
prosedur sebagai berikut: shall perform the following procedures:
o Menyusun komposisi dan proses o Develop the composition and nomination
nominasi anggota Direksi dan/atau process for members of the BoD and/or
anggota Dewan Komisaris; members of the BoC;
o Menyusun mekanisme dan melakukan o Develop mechanisms and conduct
penilaian kinerja Direksi dan Dewan performance appraisals of the BoD and
Komisaris; the BoC;
o Menyusun kebijakan dan kriteria yang o Develop policies and criteria required in
dibutuhkan dalam proses nominasi calon the nomination process of candidates for
anggota Direksi dan/atau anggota Dewan members of the BoD and/or members of
Komisaris; the BoC;
o Membantu pelaksanaan evaluasi atas o Assist in the evaluation of the
kinerja anggota Direksi dan/atau anggota performance of members of the BoD
Dewan Komisaris; and/or members of the BoC;
o Menyusun program pengembangan o Develop a capacity building program for
kemampuan anggota Direksi dan/atau members of the BoD and/or members of
anggota Dewan Komisaris; the BoC;
o Menelaah dan mengusulkan calon yang o Review and propose candidates who
memenuhi syarat sebagai anggota Direksi qualify as members of the BoD and/or
dan/atau anggota Dewan Komisaris members of the BoC to the BoC to be
kepada Dewan Komisaris untuk submitted to the GMS.
disampaikan kepada RUPS.
Berikut tugas dan tanggung jawab Komite The following are the duties and responsibilities
Remunerasi dan Nominasi terkait dengan fungsi of the Remuneration and Nomination Committee
remunerasi, yakni related to the remuneration function, namely
Memberikan rekomendasi kepada Dewan Provide recommendations to the Board of
Komisaris mengenai: Commissioners regarding:
o Struktur remunerasi; o Remuneration structure;
o Kebijakan atas remunerasi; o Policy on remuneration;
o Besaran atas remunerasi. o Amount of remuneration.
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Membantu Dewan Komisaris melakukan Assist the BoC in assessing performance with
penilaian kinerja dengan kesesuaian the suitability of remuneration received by
Remunerasi yang diterima masing-masing each member of the BoD and / or BoC;
anggota Direksi dan/atau Dewan Komisaris;
Membantu Dewan Komisaris dalam Assist the BoC in evaluating the
melakukan evaluasi terhadap kebijakan Remuneration policy based on performance,
Remunerasi yang didasarkan atas kinerja, risk, fairness with peer groups, goals, and
risiko, kewajaran dengan peer group, long-term strategies of the Bank, fulfillment
sasaran, dan strategi jangka panjang Bank, of reserves as stipulated in the legislation and
pemenuhan cadangan sebagaimana diatur potential future income of the Bank.
dalam perundang-undangan dan potensi
pendapatan Bank di masa yang akan datang;
Menyampaikan hasil evaluasi dan Submit evaluation results and
rekomendasi kepada Dewan Komisaris recommendations to the BoC regarding:
mengenai:
o Kebijakan Remunerasi bagi Direksi dan o Remuneration Policy for the BoD and BoC
Dewan Komisaris untuk disampaikan to be submitted to the General Meeting
kepada Rapat Umum Pemegang Saham; of Shareholders;
o Kebijakan Remunerasi bagi Pegawai
secara keseluruhan untuk disampaikan o Remuneration Policy for Employees as a
kepada Direksi. whole to be submitted to the BoD.
Memastikan bahwa kebijakan Remunerasi Ensure that the Remuneration policy is in
telah sesuai dengan ketentuan yang berlaku; accordance with applicable regulations;
Dalam melaksanakan fungsi diatas Komite In carrying out the above functions, the
Remunerasi & Nominasi wajib melakukan Remuneration & Nomination Committee
prosedur sebagai berikut: shall perform the following procedures:
o Menyusun struktur remunerasi bagi o Develop a remuneration structure for
anggota Direksi dan/atau anggota Dewan members of the BoD and/or members of
Komisaris. Struktur tersebut dapat the BoC. The structure can be in the form
berupa: of:
- Gaji; - Salary;
- Honorarium; - Honorarium;
- Insentif; - Incentives;
- Tunjangan yang bersifat tetap - Allowances that are fixed and/or
dan/atau variable. variable.
o Menyusun kebijakan atas remunerasi o Develop a policy on remuneration for
bagi anggota Direksi dan/atau anggota members of the BoD and/or members of
Dewan Komisaris; the BoC
o Menyusun besaran atas remunerasi bagi o Arrange the amount of remuneration for
anggota Direksi dan/atau anggota Dewan members of the BoD and/or members of
Komisaris; the BoC;
o Penyususan struktur, kebijakan dan o The structure, policy and amount of
besaran remunerasi harus remuneration must consider:
memperhatikan:
- Remunerasi yang berlaku pada industri - Remuneration applicable in the
sesuai dengan kegiatan usaha Emiten industry in accordance with the
atau Perusahaan Publik sejenis dan business activities of similar Issuers
skala usaha dari Emiten atau or Public Companies and the scale of
Perusahaan Publik dalam industrinya; business of the Issuer or Public
Company in the industry;
- Tugas, tanggung jawab, dan - Duties, responsibilities and
wewenang anggota Direksi dan/atau authorities of members of the BoD
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anggota Dewan Komisaris dikaitkan and/or members of the BoC in
dengan pencapaian tujuan dan kinerja relation to the achievement of goals
Emiten atau Perusahaan Publik; and performance of the Issuer or
Public Company;
- Target kinerja atau kinerja masing- - Performance targets or performance
masing anggota Direksi dan/atau of each member of the BoD and/or
anggota Dewan Komisaris; dan member of the BoC; and
- Keseimbangan tunjangan antara yang - Balance of benefits between fixed
bersifat tetap dan bersifat variabel. and variable.
o Struktur, kebijakan dan besaran o The structure, policy and amount of
remunerasi tersebut harus dievaluasi oleh remuneration must be evaluated by the
Komite Remunerasi & Nominasi paling Remuneration & Nomination Committee
kurang 1 (satu) kali dalam 1 (satu) tahun. at least once a year.
Independensi Komite Remunerasi dan Independence of Remuneration and
Nominasi Nomination Committee
Ketua Komite Remunerasi dan Nominasi The Chairman of the Remuneration and
merupakan pihak independen, dengan anggota Nomination Committee is an independent party,
yang berasal dari Komisaris Non Independen with members coming from Non-Independent
dan Pejabat Eksekutif yang membawahkan Commissioners and Executive Officers in charge
Sumber Daya Manusia. of Human Resources.
Masa jabatan Komite Remunerasi dan Tenure of the Remuneration and Nomination
Nominasi Committee
Masa jabatan anggota Komite Remunerasi dan The tenure of the Remuneration and Nomination
Nominasi tidak lebih lama dari masa jabatan Committee members shall not exceed the tenure
Dewan Komisaris. of the Board of Commissioners.
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
meetings
Rapat Komite Remunerasi & Nominasi Remuneration & Nomination Committee
diselenggarakan secara berkala paling kurang 1 meetings are held periodically at least once in 3
(satu) kali dalam 3 (tiga) bulan. (three) months.
Rapat Komite Remunerasi hanya dapat Remuneration Committee meetings can only be
diselenggarakan apabila dihadiri oleh mayoritas held if attended by a majority of the total
dari jumlah anggota Komite Remunerasi & number of members of the Remuneration &
Nominasi; atau Salah satu dari mayoritas Nomination Committee; or One of the majority
jumlah anggota Komite remunerasi dan of the total number of members of the
Nominasi merupakan Ketua Komite Remuneration & Nomination Committee is the
Remunerasi & Nominasi. Chairman of the Remuneration & Nomination
Committee.
Keputusan Rapat Komite Remunerasi dan Decisions of the Remuneration and Nomination
Nominasi dilakukan berdasarkan musyawarah Committee Meetings are made based on
untuk mufakat. Dalam hal tidak terjadi deliberation for consensus. In the event that
musyawarah untuk mufakat sebagaimana there is no deliberation for consensus as
dimaksud, pengambilan keputusan dilakukan intended, decision making shall be based on a
berdasarkan suara terbanyak dengan prinsip 1 majority vote with the principle of 1 (one) person
(satu) orang 1 (satu) suara. Jika dalam 1 (one) vote. If in the decision-making process
pengambilan keputusan yang dilakukan dengan carried out by voting there are equal votes, the
cara pemungutan suara terjadi suara yang sama decision is taken through a direct decision-
banyaknya, maka keputusan diambil melalui making mechanism by the Chairman of the
Remuneration & Nomination Committee.
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mekanisme pengambilan keputusan langsung
oleh Ketua Komite Remunerasi & Nominasi.
Perbedaan pendapat (dissenting opinion) yang Dissenting opinions that occur in committee
terjadi dalam rapat komite wajib dicantumkan meetings must be clearly stated in the minutes
secara jelas dalam risalah rapat beserta alasan of the meeting along with the reasons for
perbedaan pendapat. dissenting opinions.
Hasil rapat komite wajib dituangkan dalam The results of committee meetings shall be set
risalah rapat dan didokumentasikan sesuai forth in the minutes of meetings and
peraturan perundang – undangan. documented in accordance with laws and
regulations.
Frekuensi Rapat komite Remunerasi dan Frequency of Remuneration and Nomination
Nominasi Committee Meetings
Anggota Komite
Jabatan Jumlah Rapat Kehadiran %Kehadiran
Committee
Position Meeting Frequency Attendance %Attendance
Member
Katio Ketua Komite Remunerasi 6 (enam) kali 6 100%
dan Nominasi 6 (six) times
Chairman of Remuneration
and Nomination Committee
Indra Halim Anggota Komite 6 100%
Remunerasi dan Nominasi
Member of Remuneration
and Nomination Committee
Rita Ana Anggota Komite 6 100%
Remunerasi dan Nominasi
Member of Remuneration
and Nomination Committee
Program Kerja dan Realisasi Program kerja Work Program and Realization of Remuneration
Komite Remunerasi dan Nominasi and Nomination Committee Work Program
Tugas dan Tanggung Jawab/ Catatan/
No.
Duties and responsibilities Note
Terkait dengan fungsi nominasi:
Related to the nomination function:
1 Memberikan rekomendasi kepada Dewan Komposisi jabatan anggota Direksi dan Komisaris telah
Komisaris mengenai: tercakup dalam Pedoman dan Tata Tertib Kerja Direksi
1) Komposisi jabatan anggota Direksi dan / atau dan/atau Dewan Komisaris.
Dewan Komisaris; Kebijakan dan kriteria yang dibutuhkan dalam proses
2) Kebijakan dan kriteria yang dibutuhkan dalam nominasi telah tercakup dalam SK No.024/SK-
proses Nominasi; BMD/DIR/2023 terkait Kebijakan Suksesi Direksi dan
3) Kebijakan evaluasi kinerja bagi anggota Direksi Komisaris.
dan/atau anggota Dewan Komisaris. Bank telah memiliki kebijakan terkait evaluasi kinerja bagi
Provide recommendations to the BoC regarding: anggota Direksi dan/atau anggota Dewan Komisaris yang
1) Composition of positions for members of the telah ditetapkan melalui SK No.043/SK-BMD/DIR/2024
BoD and/or BoC; perihal Kebijakan penilaian kinerja Direksi & Komisaris.
2) Policies and criteria required in the The position composition of members of the BoD and BoC
Nomination process; has been covered in the BoD and/or BoC Charter.
3) Performance evaluation policies for members Policies and criteria required in the nomination process have
of the BoD and/or members of the BoC. been covered in SK No.024/SK-BMD/DIR/2023 related to the
Succession Policy of Directors and Commissioners.
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The Bank has a policy related to performance evaluation for
members of the BoD and / or members of the BoC which has
been determined through SK No.043/SK-BMD/DIR/2024
regarding the Policy on performance evaluation of Directors
& Commissioners.
2 Membantu Dewan Komisaris melakukan Komite remunerasi akan menjalankan hal tersebut sesuai
penilaian kinerja anggota Direksi dan/atau dengan SK No.043/SK-BMD/DIR/2024 untuk penilaian
anggota Dewan Komisaris berdasarkan tolok terkait kinerja anggota Direksi dan/atau Komisaris pada awal
ukur yang telah disusun sebagai bahan evaluasi. tahun 2025.
Assist the BoC in assessing the performance of The remuneration committee will carry out this in
members of the BoD and / or members of the BoC accordance with Decree No.043/SK BMD/DIR/2024 for the
based on benchmarks that have been prepared performance-related assessment of members of the BoD
as evaluation material. and/or Commissioners at the beginning of 2025.
3 Memberikan rekomendasi kepada Dewan Pada rapat Komite Remunerasi dan Nominasi periode
Komisaris mengenai program pengembangan Desember 2024 telah disampaikan rekomendasi kepada
kemampuan anggota Direksi dan / atau Dewan Dewan Komisaris terkait program pengembangan
Komisaris. kemampuan anggota Direksi dan/atau Dewan Komisaris
Provide recommendations to the BoC regarding yakni terkait Digital Transformation, Sustainable Finance,
capacity building programs for members of the Strategic Leadership, Risk Management.
BoD and/or BoC. At the Remuneration and Nomination Committee meeting in
December 2024, recommendations were submitted to the
BoC regarding the capacity building program for members of
the BoD and / or BoC, namely related to Digital
Transformation, Sustainable Finance, Strategic Leadership,
Risk Management.
4 Mengidentifikasi dan memberikan rekomendasi Pada periode tahun 2024 tidak terdapat aktivitas tersebut.
mengenai calon anggota Direksi dan/atau In the 2024 period, there is no such activity.
anggota Dewan Komisaris kepada Dewan
Komisaris untuk disampaikan kepada RUPS.
Identify and provide recommendations regarding
candidates for members of the BoD and/or
members of the BoC to the BoC to be submitted
to the GMS.
5 Memberikan rekomendasi mengenai Pihak Pada periode tahun 2024 tidak terdapat aktivitas tersebut.
Independen yang akan menjadi anggota komite- In the 2024 period, there is no such activity.
komite Dewan Komisaris lainnya kepada Dewan
Komisaris.
Provide recommendations regarding
Independent Parties who will become members
of other BoC committees to the BoC.
6 Dalam melaksanakan fungsi diatas Komite
Remunerasi & Nominasi wajib melakukan
prosedur sebagai berikut:
1) Menyusun komposisi dan proses nominasi 1) Proses nominasi anggota Direksi dan/atau Komisaris telah
anggota Direksi dan / atau anggota Dewan tercakup dalam SK.
Komisaris; 2) Penilaian kinerja Direksi dan Dewan Komisaris untuk
2) Menyusun mekanisme dan melakukan periode tahun 2024 akan dilaksanakan pada awal tahun
penilaian kinerja Direksi dan Dewan Komisaris; 2025.
3) Menyusun kebijakan dan kriteria yang 3) Proses nominasi anggota Direksi dan/atau Komisaris telah
dibutuhkan dalam proses nominasi calon tercakup dalam SK No.024/SK-BMD/DIR/2023 terkait
anggota Direksi dan / atau anggota Dewan Kebijakan Suksesi Direksi dan Komisaris.
Komisaris; 4) Telah dilakukan pada rapat tanggal 22 Februari 2024.
4) Membantu pelaksanaan evaluasi atas kinerja 5) Dilakukan pada rapat Komite Remunerasi dan Nominasi
anggota Direksi dan / atau anggota Dewan tanggal 18 Desember 2024.
Komisaris; 6) Belum terdapat pengusulan calon anggota Direksi
5) Menyusun program pengembangan dan/atau Komisaris.
kemampuan anggota Direksi dan / atau anggota
Dewan Komisaris; 1) The nomination process for members of the BoD and/or
6) Menelaah dan mengusulkan calon yang Commissioners has been covered in the Decree.
memenuhi syarat sebagai anggota Direksi dan / 2) The performance appraisal of the BoD and BoC for the
period of 2024 will be conducted in early 2025.
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atau anggota Dewan Komisaris kepada Dewan 3) The nomination process for members of the BoD and/or
Komisaris untuk disampaikan kepada RUPS. Commissioners has been covered in Decree No.024/SK-
In carrying out the above functions, the BMD/DIR/2023 related to the BoD and Commissioners
Remuneration & Nomination Committee shall Succession Policy.
perform the following procedures: 4) Conducted at the meeting on February 22nd, 2024.
1) Arrange the composition and nomination 5) Conducted at the Remuneration and Nomination
process of members of the BoD and/or members Committee meeting on December 18th, 2024.
of the BoC; 6) There has been no nomination of candidates for members
2) Developing mechanisms and conducting of the BoD and/or Commissioners.
performance appraisals of the BoD and the BoC;
3) Developing policies and criteria needed in the
nomination process of candidates for members
of the BoD and / or members of the BoC;
4) Assisting the implementation of evaluation of
the performance of members of the BoD and / or
members of the BoC;
5) Develop a capacity building program for
members of the BoD and/or members of the
Board of Commissioners;
6) Reviewing and proposing candidates who
qualify as members of the Board of Directors
and/or members of the Board of Commissioners
to the Board of Commissioners to be submitted
to the GMS.
Terkait dengan fungsi remunerasi:
Related to the remuneration function:
7 Memberikan rekomendasi kepada Dewan Komite Remunerasi dan Nominasi telah melakukan review
Komisaris mengenai: terhadap kebijakan remunerasi yang mencakup struktur
1) Struktur remunerasi; remunerasi dan kebijakan atas remunerasi pada rapat
2) Kebijakan atas Remunerasi; Komite Remunerasi dan Nominasi tanggal 18 Desember
3) Besaran atas remunerasi. 2024.
Provide recommendations to the BoC regarding: Besaran remunerasi telah dilakukan pembahasan pada rapat
1) Remuneration structure; Komite Remunerasi dan Nominasi tanggal 22 Februari 2024
2) Policy on Remuneration; dan 15 Maret 2024.
3) Amount of remuneration. The Remuneration and Nomination Committee has reviewed
the remuneration policy which includes the remuneration
structure and policy on remuneration at the Remuneration
and Nomination Committee meeting dated December 18th,
2024.
The amount of remuneration has been discussed at the
Remuneration and Nomination Committee meetings on
February 22nd, 2024 and March 15th, 2024.
8 Membantu Dewan Komisaris melakukan Pada rapat tanggal 22 Februari 2024 telah dilakukan
penilaian kinerja dengan kesesuaian Remunerasi pembahasan dan usulan terkait bonus, rapel gaji beserta
yang diterima masing – masing anggota Direksi rapel THR Direksi dan Komisaris, serta Tantiem Direksi dan
dan / atau Dewan Komisaris. Dewan Komisaris.
Assist the BoC in assessing performance with the At the meeting on February 22nd, 2024, discussions and
suitability of remuneration received by each proposals were made regarding bonuses, salary rapel along
member of the BoD and / or the BoC. with THR rapel for Directors and Commissioners, as well as
Tantiem for Directors and Commissioners.
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9 Membantu Dewan Komisaris dalam melakukan Komite Remunerasi dan Nominasi telah melakukan evaluasi
evaluasi terhadap kebijakan Remunerasi yang terhadap kebijakan Remunerasi pada rapat tanggal 18
didasarkan atas kinerja, risiko, kewajaran dengan Desember 2024.
peer group, sasaran, dan strategi jangka panjang The Remuneration and Nomination Committee has
Bank, pemenuhan cadangan sebagaimana diatur evaluated the Remuneration policy at its meeting on
dalam perundang-undangan dan potensi December 18th, 2024.
pendapatan Bank di masa yang akan datang.
Assist the BoC in evaluating the Remuneration
policy based on performance, risk, fairness with
peer groups, goals, and long-term strategies of
the Bank, fulfillment of reserves as stipulated in
the legislation and potential future income of the
Bank.
10 Menyampaikan hasil evaluasi dan rekomendasi Pada Rapat Komite Remunerasi dan Nominasi tanggal 22
kepada Dewan Komisaris mengenai: Februari 2024, telah disampaikan usulan terkait remunerasi
1) Kebijakan Remunerasi bagi Direksi dan Dewan bagi Direksi dan Komisaris untuk disampaikan kepada RUPS,
Komisaris untuk disampaikan kepada Rapat dan usulan remunerasi bagi Pegawai secara keseluruhan
Umum Pemegang Saham; untuk disampailan kepada Direksi.
2) Kebijakan Remunerasi bagi Pegawai secara At the Remuneration and Nomination Committee Meeting
keseluruhan untuk disampaikan kepada Direksi. on February 22nd, 2024, proposals related to remuneration
Submit evaluation results and recommendations for Directors and Commissioners were submitted to the GMS,
to the BoC regarding: and proposals for remuneration for employees as a whole
1) Remuneration Policy for the BoD and BoC to be were submitted to the BoD.
submitted to the General Meeting of
Shareholders;
2) Remuneration Policy for Employees as a whole
to be submitted to the BoD.
11 Memastikan bahwa kebijakan Remunerasi telah Kebijakan remunerasi telah diusulkan untuk dikinikan
sesuai dengan ketentuan yang berlaku. berdasarkan POJK No17 tahun 2023 tanggal 14 September
Ensure that the Remuneration policy is in 2023 Tentang Penerapan Tata Kelola bagi Umum pada rapat
accordance with applicable regulations. Komite Remunerasi dan Nominasi tanggal 18 Desember
2024.
The remuneration policy has been proposed to be updated
based on POJK No17 of 2023 dated September 14th, 2023
concerning the Implementation of Governance for the Public
at the Remuneration and Nomination Committee meeting
on December 18th, 2024.
12 Dalam melaksanakan fungsi diatas Komite 1) Struktur remunerasi bagi anggota Direksi dan Komisaris
Remunerasi & Nominasi wajib melakukan telah dievaluasi secara berkala, terakhir pada tanggal 22
prosedur sebagai berikut: Februari 2024.
1) Menyusun struktur remunerasi bagi anggota 2) Kebijakan remunerasi bagi anggota Direksi dan Komisaris
Direksi dan / atau anggota Dewan Komisaris. telah dievaluasi pada rapat tanggal 18 Desember 2024.
Struktur tersebut dapat berupa: 3) Besaran remunerasi bagi anggota Direksi dan/atau
a. Gaji; Komisaris dievaluasi pada rapat tanggal 22 Februari 2024. 4)
b. Honorarium; Besaran kebijakan telah mempertimbangkan peer group,
c. Insentif; tugas dan tanggung jawab, kinerja Direksi dan/atau
d. Tunjangan yang bersifat tetap dan / atau Komisaris, termasuk untuk remunerasi yang bersifat tetap
variabel. dan variabel.
2) Menyusun kebijakan atas remunerasi bagi 5) Kebijakan remuenrasi telah dievaluasi pada rapat tanggal
anggota Direksi dan / atau anggota Dewan 18 Desember 2024.
Komisaris; 1) The remuneration structure for members of the BoD and
3) Menyusun besaran atas remunerasi bagi Commissioners has been evaluated periodically, most
anggota Direksi dan / atau anggota Dewan recently on February 22nd, 2024.
Komisaris. 2) The remuneration policy for members of the BoD and
4) Penyusunan struktur, kebijakan dan besaran Commissioners has been evaluated at the meeting on
remunerasi harus memperhatikan: December 18th, 2024.
a. Remunerasi yang berlaku pada industri 3) The amount of remuneration for members of the BoD
sesuai dengan kegiatan usaha Emiten atau and/or Commissioners was evaluated at the meeting on
Perusahaan Publik sejenis dan skala usaha dari February 22nd, 2024.
Emiten atau Perusahaan Publik dalam 4) The amount of the policy has considered the peer group,
industrinya; duties and responsibilities, performance of the Directors
b. Tugas, tanggung jawab, dan wewenang and/or Commissioners, including for fixed and variable
anggota Direksi dan / atau anggota Dewan remuneration.
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Komisaris dikaitkan dengan pencapaian tujuan 5) The remuneration policy was evaluated at the meeting on
dan kinerja Emiten atau perusahaan publik; December 18th, 2024.
c. Target kinerja atau kinerja masing – masing
anggota Direksi dan / atau anggota Dewan
Komisaris; dan
d. Keseimbangan tunjangan antara yang
bersifat tetap dan bersifat variabel.
5) Struktur, kebijakan dan besaran remunerasi
tersebut harus dievaluasi oleh Komite
Remunerasi & Nominasi paling kurang 1 (satu)
kali dalam 1 (satu) tahun.
In carrying out the above functions, the
Remuneration & Nomination Committee shall
perform the following procedures:
1) Develop a remuneration structure for
members of the BoD and / or members of the
BoC. The structure can be in the form of:
a. Salary;
b. Honorarium;
c. Incentives;
d. Allowances of a fixed and/or variable
nature.
2) Develop a policy on remuneration for members
of the BoD and / or members of the BoC;
3) Arrange the amount of remuneration for
members of the BoD and / or members of the
BoC.
4) The preparation of the structure, policy and
amount of remuneration must pay attention to:
a. Remuneration prevailing in the industry in
accordance with the business activities of
similar Issuers or Public Companies and the
scale of business of the Issuers or Public
Companies in the industry;
b. Duties, responsibilities and authorities of
members of the BoD and/or members of the
BoC in relation to the achievement of
objectives and performance of the Issuer or
public company;
c. Performance targets or performance of each
member of the BoD and/or member of the
BoC; and
d. Balance of benefits between fixed and
variable.
5) The structure, policy and amount of
remuneration must be evaluated by the
Remuneration & Nomination Committee at least
once a year.
Pelatihan dan/atau peningkatan kompetensi Training and/or competency improvement of
Anggota Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Members
No. Judul Pelatihan / Training Topic Peserta /
Members
1 Integrated AI Innovation with ISO/IEC 42001 Katio; Indra
Halim
2 Sosialisasi Pelindungan Konsumen terkait POJK Nomor 22 tahun Katio; Indra
2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa Halim; Rita
Keuangan
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Socialization of Consumer Protection related to POJK Number 22 of
2023 concerning Consumer and Community Protection in the
Financial Services Sector
3 Program Penyelarasan Sertifikasi Manajemen Risiko J6 bagi Komisaris Katio;
J6 Risk Management Certification Alignment Program for Indra Halim
Commissioners
4 Training Pembekalan dan Sertifikasi CGOP (Certified Governance Katio;
Oversight Professional) Indra Halim
CGOP (Certified Governance Oversight Professional) Debriefing and
Certification Training
5 Video Learning Transformasi Digital Katio; Indra
Digital Transformation Video Learning Halim; Rita
6 Sosialisasi IT Security Awareness Katio; Indra
IT Security Awareness Socialization Halim; Rita
7 Creative, Innovative and Team Work for Productivity Rita
8 Sosialisasi Pengenalan Fungsi Perlindungan Data Pribadi Rita
Socialization of Personal Data Protection Function Introduction
9 Pengkinian/Refreshment Program Sertifikasi Manajemen Risiko Rita
Jenjang 5 (8 UK)
Level 5 Risk Management Certification Program
Update/Refreshment (8 UK)
10 Pelatihan dan Sertifikasi HR Supervisor Rita
HR Supervisor Training and Certification
11 Training Implementasi dan Model Penerapan Undang-Undang Rita
Pelindungan Data Pribadi
Implementation Training and Implementation Model of Personal
Data Protection Law
12 Data Driven Executive - Pemanfaatan AI untuk Perbankan Rita
Data Driven Executive - Utilizing AI for Banking
13 Sosialisasi Hasil Penilaian Service Quality dengan Metode Mystery Rita
Shopping
Socialization of Service Quality Assessment Results with the Mystery
Shopping Method
14 Economic Outlook dan Rencana Bisnis Bank (RBB) Rita
Economic Outlook and Bank Business Plan
Remunerasi yang telah dibayarkan kepada Remuneration paid to Remuneration
Anggota Komite Remunerasi selama 1 (satu) Committee Members for 1 (one) year
tahun
Jumlah yang diterima tahun 2023/ Jumlah yang diterima tahun 2024/
Jenis Remunerasi dan Fasilitas/ Amount received in 2023 Amount received in 2024
Type of Remuneration and Anggota Komite Remunerasi/ Anggota Komite Remunerasi/
Facilities Remuneration Committee Member Remuneration Committee Member
Orang/Persons Juta (Rp)/Million (Rp) Orang/Persons Juta (Rp)/Million (Rp)
Gaji, bonus, tunjangan rutin,
tantiem dan fasilitias lain dalam
bentuk non natura 3 5,174 3 4,969
Salary, bonus, routine allowance,
tantiem, other non natura facility
Fasilitas lain dalam bentuk natura
(perumahan, asuransi kesehatan,
dsb) yang:
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Other natura facilities (housing,
health insurance, etc) that:
a. dapat dimiliki
can be owned
- - - -
b. tidak dapat dimiliki
- - - -
cannot be owned
Total/Total 3 5,174 3 4,969
8. ALCO 8. Asset Liability Committee
Struktur ALCO ALCO Structure
Pembentukan ALCO berdasarkan Surat The establishment of ALCO is based on the Bank's
Keputusan Internal Bank nomor 062/SK- Internal Decision Letter number 062/SK-
BMD/DIR/2024 tanggal 6 Desember 2024 BMD/DIR/2024 dated December 6th, 2024
tentang Keanggotaan ALCO dan Pedoman dan concerning ALCO Membership and ALCO
Tata Tertib Kerja Komite ALCO (Piagam Komite Committee Charter. For the implementation of
ALCO). Untuk penerapan Kebijakan Asset and Asset and Liability Committee (ALCO) and Asset
Liability Committee (ALCO) dan Asset Liability Liability Management (ALMA) policies based on
Management (ALMA) berdasarkan Surat Edaran the Bank's Internal Circular Letter number
Internal Bank nomor 161/SE-BMD/DIR/2024 161/SE-BMD/DIR/2024 dated December 6th,
tanggal 6 Desember 2024. 2024.
Susunan Keanggotaan ALCO Bank Mestika The composition of ALCO Membership of Bank
sebagai berikut: Mestika is as follows:
No. Jabatan/Position Nama/Name
1 Ketua Presiden Direktur
Chairman President Director
2 Wakil Ketua Wakil Presiden Direktur
Vice Chairman Vice President Director
3 Sekretaris Kepala Bagian Treasury
Secretary Head of Treasury Department
4 Anggota Tetap Direktur Operasional
Permanent Member Director of Operations
5 Anggota Tetap Direktur Kepatuhan
Permanent Member Director of Compliance
6 Anggota Tetap Direktur Umum
Permanent Member Director of General Affairs
7 Anggota Tetap Kepala Divisi SKAI
Permanent Member Head of SKAI Division
8 Anggota Tetap Kepala Manajemen Risiko
Permanent Member Head of Risk Management Department
9 Anggota Tetap Kepala Bagian Kepatuhan
Permanent Member Head of Compliance Department
10 Anggota Tetap Kepala Divisi Kredit
Permanent Member Head of Credit Division
11 Anggota Tetap Kepala Divisi Marketing SME & Retail
Permanent Member Head of SME & Retail Marketing Division
12 Anggota Tetap Kepala Divisi Marketing Commercial & Corporate
Permanent Member Head of Commercial & Corporate Marketing Division
13 Anggota Tetap Kepala Divisi Konsumer
Permanent Member Head of Consumer Division
14 Anggota Tetap Kepala Divisi Operasional
Permanent Member Head of Operations Division
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15 Anggota Tetap Kepala Bagian Pengembangan Produk Lending
Permanent Member Head of Lending Product Development Department
16 Anggota Tetap Kepala Bagian Akuntansi
Permanent Member Head of Accounting Department
17 Anggota Tetap Kepala Bagian Admin Kredit dan Portfolio
Permanent Member Head of Admin Credit and Portfolio Department
18 Anggota Tidak Tetap Seluruh Kepala Divisi / Kepala Bagian lainnya
Non Permanent Member All other Division Heads / Section Heads
Tanggung Jawab, Tugas, dan Wewenang ALCO Responsibilities, Duties, and Authority of ALCO
Tanggung jawab umum ALCO General responsibilities of ALCO
o Menetapkan kebijakan dan pedoman o Establish policies and guidelines for the
pelaksanaan Asset and Liability implementation of Asset and Liability
Management (ALMA), Management (ALMA),
o Membuat keputusan ALMA, o Make ALMA decisions,
o Melakukan evaluasi terhadap hasil o Evaluate the results of the Bank’s
kegiatan Bank. activities.
o Mengadakan rapat, dengan frekuensi o Hold meetings, with a minimum
minimal 1 (satu) bulan sekali atau lebih frequency of 1 (one) month or more
(tergantung kebutuhan/ arahan/ intruksi (depending on the
dari Manajemen). need/direction/instruction from
Management).
Tugas dan wewenang umum ALCO General duties and authority of ALCO
o Menetapkan tujuan ALMA, o Establish the purpose of ALMA,
o Menetapkan Kebijakan dan Pedoman o Establish ALMA Policies and Guidelines.
ALMA. o Make ALMA decisions.
o Memberikan keputusan ALMA. o Monitor the implementation of decisions
o Memantau pelaksanaan keputusan dan and results of the Bank’s activities.
hasil kegiatan Bank.
Rapat ALCO ALCO Meetings
Rapat ALCO diadakan dengan frekuensi minimal ALCO meetings are held with a minimum
1 (satu) bulan sekali atau lebih (tergantung frequency of 1 (one) month or more (depending
kebutuhan/arahan/instruksi) dari Manajemen, on the need/direction/ instruction) from
dengan memperhatikan perubahan kondisi Management, taking into account changes in
ekonomi nasional, kondisi Bank dan profil risiko, national economic conditions, the Bank’s
terutama risiko pasar dan likuiditas. condition and risk profile, especially market and
liquidity risks.
Rapat Komite ALCO hanya dapat ALCO Committee meetings can only be held if
diselenggarakan apabila dihadiri oleh mayoritas attended by a majority of the Committee
dari jumlah anggota Komite. Kuorum members. The quorum for the meeting is ½ (one-
penyelenggaraan rapat adalah dihadiri ½ (satu half) of the total number of Directors.
per dua) jumlah anggota Direktur.
Keputusan rapat Komite ALCO dilakukan Decisions made at ALCO Committee meetings
berdasarkan musyawarah untuk mufakat. are based on deliberation to reach a consensus.
Dalam hal tidak terjadi musyawarah untuk In the event that deliberation for consensus does
mufakat, pengambilan Keputusan dilakukan not occur, the decision shall be made based on a
berdasarkan suara terbanyak dengan prinsip 1 majority vote with the principle of 1 (one) person
(satu) orang 1 (satu) suara. 1 (one) vote.
Jika dalam pengambilan Keputusan yang If in the decision-making process conducted by
dilakukan dengan cara pemungutan suara voting, there are equal votes, then the decision
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terjadi suara yang sama banyaknya, maka is made through a direct decision-making
Keputusan diambil melalui mekanisme mechanism by the Chairman of ALCO.
pengambilan Keputusan langsung oleh Ketua
ALCO.
Hasil rapat komite ALCO dituangkan dalam The results of the ALCO committee meeting are
risalah rapat dan didokumentasikan. set forth in the minutes of the meeting and
documented.
Sepanjang tahun 2024, ALCO During 2024, ALCO has conducted 13 (thirteen)
menyelenggarakan 13 (tiga belas) kali rapat. meetings.
Tabel Kehadiran peserta ALCO
ALCO participant attendance table
No. Position Meetings Attendances Attendance
Frequency Percentage
1 President Director (Achmad S Kartasasmita) 13 13 100%
2 Vice President Director (Hendra Halim) 13 12 92%
3 Operational Director (Harun Ansari) 13 12 92%
4 General Affair Director (Yusri Hadi) 13 12 92%
5 Compliance Director (Andy) 13 11 85%
6 Head of Treasury Department (Ali Sakti) 13 13 100%
7 Head of Internal Audit Division SKAI (Limin) 13 7 54%
8 Head of Credit Division (Kornelus Damanik) 13 10 77%
9 Head of SME & Retail Marketing Division (Edwar) 13 9 69%
10 Head of Commercial & Corporate Marketing Division (Ratna 13 9 69%
Juwita)
11 Head of Operational Division (Johan) 13 11 85%
12 Head of Consumer Division (Siska Nurindah Sari) 13 11 85%
13 Head of Risk Management Department (Hendrik) 13 12 92%
14 Head of Lending Product Development Department (Ajan) 13 11 85%
15 Head of Accounting Department (Oh Ek Tjuan) 13 7 54%
16 Head of Compliance Department (Sukini) 13 6 46%
17 Head of Credit Administration & Portfolio Department 13 4 31%
(Andreas)
Program Kerja dan Realisasi Komite ALCO ALCO Committee Work Program and
Realization
Pada tahun 2024 program kerja dan realisasi In 2024 the work program and realization of the
Komite ALCO mencakup: monitor portofolio ALCO Committee includes: monitoring of Asset
Asset dan Liability, strategi dan penetapan and Liability portfolios, strategy and pricing in
pricing dalam bidang Lending dan Funding, Lending and Funding, strategy and achievement
strategi dan pencapaian income/pendapatan of the Bank's income/revenue, cash flow
Bank, pengelolaan cashflow/arus kas dan management and intraday liquidity risk,
likuiditas intra hari (intraday liquidity risk), Gap/maturity management, the Bank's Liquid
manajemen Gap/maturitas, posisi Aset Likuid Asset position, Portfolio Data per each Branch,
Bank, Data Portofolio per masing-masing discussion of past meetings, Financial Market,
Cabang, pembahasan rapat lalu, Financial Prime Lending Rate (SBDK) and other
information.
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Market, Suku Bunga Dasar Kredit (SBDK) dan
informasi lainnya.
Pendidikan atau pelatihan yang diikuti dalam Education or training attended in the financial
tahun buku year
Anggota Komite senantiasa mengikuti Members of the Committee continue to
pendidikan atau pelatihan yang diikuti dalam participate in education or training during the
tahun buku, yakni Sertifikasi Manajemen Risiko year under review, namely Risk Management
dan Treasury; Challenge and Opportunity dalam and Treasury Certification; Challenge and
Membangun Ekosistem Digital Banking; Opportunity in Building Digital Banking
Economic Outlook dan Rencana Bisnis Bank Ecosystem; Economic Outlook and Bank
(RBB); FGD Penerapan ILAAP serta Pengaturan Business Plan (RBB); FGD on ILAAP
dalam RPOJK LCR dan RPOJK NSFR; Outlook Implementation and Regulations in RPOJK LCR
Ekonomi dan Keuangan di Tahun 2024; and RPOJK NSFR; Economic and Financial
Sosialisasi ketentuan-ketentuan dari regulator; Outlook in 2024; Socialization of regulatory
dan lainnya. provisions; and others.
Penilaian Direksi terhadap Kinerja Komite Directors' Assessment of Committee
Komite ALCO memiliki tugas dan Performance
tanggungjawab untuk membantu Direksi dalam The ALCO Committee has the duty and
memberikan rekomendasi-rekomendasi yang responsibility to assist the Board of Directors in
dibutuhkan dalam pengelolaan aset dan providing recommendations needed in
liabilitas Bank. Direksi menilai bahwa komite managing the Bank's assets and liabilities. The
ALCO telah menjalankan tugas dan Board of Directors considers that the ALCO
tanggungjawabnya dengan baik. Committee has performed its duties and
responsibilities well.
9. Komite Manajemen Risiko 9. Risk Management Committee
Struktur Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko bertanggung jawab The Risk Management Committee is directly
langsung kepada Presiden Direktur ditetapkan responsible to the President Director as
melalui Surat Keputusan Internal Bank nomor stipulated in the Bank's Internal Decision Letter
040/SK-BMD/DIR/2024 perihal Komite number 040/SK-BMD/DIR/2024 regarding the
Manajemen Risiko. Risk Management Committee.
Susunan keanggotaan Komite Manajemen The composition of the Risk Management
Risiko dapat dilihat pada tabel di bawah ini: Committee can be seen in the table below:
Jabatan/Position Nama/Name
Ketua Direktur Umum
Chairman Director of General Affairs
Anggota Tetap Seluruh Anggota Direksi
Permanent Member All Directors
Kepala Divisi SKAI
Head of Internal Audit Division
Kepala Divisi Marketing Corporate Commercial
Head of Corporate Commercial Marketing Division
Kepala Divisi Marketing SME & Retail
Head of SME & Retail Marketing Division
Kepala Divisi Marketing Konsumer
Head of Consumer Marketing Division
Kepala Divisi Operasional
Head of Operational Division
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Kepala Divisi Human Capital
Head of Human Capital Division
Kepala Divisi Kredit
Head of Credit Division
Kepala Divisi TI
Head of IT Division
Kepala Bagian Manajemen Risiko
Head of Risk Management Department
Kepala Bagian Kepatuhan
Head of Compliance Department
Kepala Bagian Akuntansi
Head of Accounting Department
Kepala Bagian Treasury
Head of Treasury Department
Kepala Bagian APU-PPT PPPSPM
Head of AML/CFT Department
Kepala Bagian Pelindungan Data Pribadi dan Konsumen
Head of Personal and Consumer Data Protection Department
Kepala Bagian IT Security
Head of IT Security
Anggota Tidak Tetap Seluruh Kepala Bagian Eksekutif maupun Non Eksekutif lainnya yang belum
Non Permanent Member termasuk anggota tetap
All other Executive and Non-Executive Heads of Department who are not
permanent members
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the Risk
Manajemen Risiko Management Committee
Tugas dan tanggung jawab Komite Manajemen Duties and responsibilities of the Risk
Risiko pada Pedoman dan Tata Tertib Kerja Management Committee in the Risk
Komite Manajemen Risiko, diantaranya: Management Committee Charter, including:
Membantu dan mendukung pelaksanaan Assist and support the implementation of
tugas dan tanggung jawab Direksi dibidang the duties and responsibilities of the Board
manajemen risiko. of Directors in the field of risk
management.
Memberikan rekomendasi kepada Presiden Provide recommendations to the President
Direktur terhadap evaluasi kebijakan dan Director on the evaluation of the Bank's risk
pelaksanaan manajemen risiko Bank. management policies and implementation.
Bersama-sama dengan Pejabat Eksekutif Together with the Executive Officers
yang terkait dengan Bagian Manajemen associated with the Risk Management
Risiko menyusun kebijakan manajemen Section, develop risk management policies
risiko serta perubahannya apabila and amendments if necessary, including
diperlukan, termasuk strategi manajemen risk management strategies, the level of
risiko, tingkat risiko yang diambil dan risk taken and risk tolerance, risk
toleransi risiko, kerangka manajemen risiko management framework and contingency
serta rencana kontijensi untuk plans to anticipate the occurrence of
mengantisipasi terjadi nya kondisi tidak abnormal conditions.
normal.
Secara berkala maupun bersifat insidentil Periodically or incidentally make
melakukan perbaikan dan penyempurnaan improvements and refinements to the
penerapan manajemen risiko karena suatu implementation of risk management due to
perubahan kondisi internal dan eksternal changes in the Bank's internal and external
Bank yang mempengaruhi kecukupan conditions that affect the adequacy of the
permodalan dan profil risiko Bank atas Bank's capital and risk profile based on the
dasar hasil evaluasi terhadap efektifitas results of the evaluation of the
penerapan manajemen risiko.
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effectiveness of risk management
implementation.
Menetapkan justification atas hal-hal yang Establish justification for matters related to
terkait dengan keputusan-keputusan bisnis business decisions that deviate from the
yang menyimpang dari prosedur dan Bank's procedures and policies.
kebijakan Bank.
Rapat Komite Manajemen Risiko Risk Management Committee Meetings
Rapat Komite Manajemen Risiko Risk Management Committee meetings are
diselenggarakan sesuai dengan kebutuhan, held as needed, at least once in 3 (three)
minimal 1 (satu) kali dalam 3 (tiga) bulan. months.
Keputusan dalam rapat Komite Manajemen Decisions in the Risk Management Committee
Risiko terlebih dahulu dilakukan berdasarkan meetings are first made based on deliberation
musyawarah untuk mufakat. Dalam hal tidak for consensus. In the event that deliberation for
terjadi musyawarah untuk mufakat, consensus does not occur, decision making is
pengambilan keputusan dilakukan berdasarkan based on a majority vote. The results of the Risk
suara terbanyak. Hasil rapat Komite Management Committee meetings shall be set
Manajemen Risiko wajib dituangkan dalam forth in the minutes of meetings and
risalah rapat dan didokumentasikan. Perbedaan documented. Differences of opinion that occur
pendapat yang terjadi dalam rapat komite wajib in committee meetings must be clearly stated
dicantumkan secara jelas dalam risalah rapat in the minutes of the meeting along with the
beserta alasan perbedaan pendapat. reasons for the differences of opinion.
Rapat dapat diselenggarakan baik dengan Meetings may be held either by physical
kehadiran fisik maupun melalui media presence or through electronic media or a
elektronik atau kombinasi antara keduanya. combination of both.
Rapat Komite Manajemen Risiko hanya dapat Risk Management Committee meetings can
dilaksanakan jika dihadiri mayoritas anggota only be held if attended by a majority of
komite, yaitu lebih dari 50% dari keanggotaan committee members, i.e. more than 50% of the
tetap. permanent membership.
Pada tahun 2024 Komite Manajemen Risiko In 2024, the Risk Management Committee met
melakukan rapat sebanyak 4 (empat) kali. 4 (four) times.
Tabel Kehadiran peserta Komite Manajemen Risiko
Risk Management Committee participant attendance table
No. Position Meetings Attendances Attendance
Frequency Percentage
1 President Director (Achmad S Kartasasmita) 4 4 100%
2 Vice President Director (Hendra Halim) 4 4 100%
3 Operational Director (Harun Ansari) 4 2 50%
4 General Affair Director (Yusri Hadi) 4 4 100%
5 Compliance Director (Andy) 4 4 100%
6 Head of Internal Audit Division (Limin) 4 2 50%
7 Head of Commercial & Corporate Marketing Division (Ratna 4 3 75%
Juwita)
8 Head of SME & Retail Marketing Division (Edwar) 4 3 75%
9 Head of Consumer Division (Siska Nurindah Sari) 4 3 75%
10 Head of Operational Division (Johan) 4 3 75%
11 Head of Human Capital Division (Rita Ana) 4 4 100%
12 Head of Credit Division (Kornelus Damanik) 4 4 100%
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13 Head of IT Division (Rudy Utomo) 4 4 100%
14 Head of Risk Management Department (Hendrik) 4 3 75%
15 Head of Compliance Department (Sukini) 4 4 100%
16 Head of Accounting Department (Oh Ek Tjuan) 4 3 75%
17 Head of Treasury Department (Ali Sakti) 4 3 75%
18 Head of AML CFT Department (David) 4 4 100%
19 Head of Personal and Consumer Data Protection 4 3 75%
Department (Jeffry)
20 Head of IT Security and GRC Department (Hendy Lianto) 4 3 75%
Program Kerja dan Realisasi Komite Work Program and Realization of Risk
Manajemen Risiko Management Committee
Program kerja dan realisasi Komite Manajemen The work program and realization of the Risk
Risiko selama tahun 2024 mencakup: Penilaian Management Committee during 2024 includes:
Tingkat Kesehatan Bank, Penilaian Profil Risiko, Assessment of the Bank's Health Level, Risk
Pemantauan Eksposur Risiko, Proyeksi RBB Profile Assessment, Risk Exposure Monitoring,
2024, Penyesuaian Risk Appetite Threshold & 2024 RBB Projection, 2024 Risk Appetite
Risk Tolerance Risiko Inheren 2024, Limit Threshold & Risk Tolerance Adjustment of
Operator dan Otorisasi, Limit Transaksi PUAB, Inherent Risk, Operator and Authorization Limit,
Limit Transaksi Obligasi Antar Institusi, Limit Interbank Transaction Limit, Inter-Institutional
Transaksi GMRA, Limit Transaksi Forex, Hak Bond Transaction Limit, GMRA Transaction
Akses Pengguna TI Berdasarkan Kodefikasi, Limit, Forex Transaction Limit, IT User Access
Implementasi ATMR Pasar, Penyesuaian Rights Based on Codefication, Market RWA
Keanggotaan Komite Manajemen Risiko, Implementation, Risk Management Committee
Progress Penyusunan Resolution Plan, Evaluasi Membership Adjustment, Resolution Plan
Kinerja Bagian Manajemen Risiko 2024, Risk Preparation Progress, Risk Management Section
Capacity, Risk Appetite Threshold & Risk Performance Evaluation 2024, Risk Capacity,
Tolerance 2025, Kaji Ulang & Evaluasi Risk Appetite Threshold & Risk Tolerance 2025,
Pengukuran Risiko, Penyesuaian Kebijakan dan Risk Measurement Review & Evaluation, Risk
Pedoman Manajemen Risiko, Due Diligence Management Policy and Guidelines Adjustment,
Counterparty ATMR Kredit, Limit Operator dan Due Diligence Counterparty Credit RWA,
Otorisasi, Limit Transaksi Dealer. Operator and Authorization Limit, Dealer
Transaction Limit.
Pendidikan atau pelatihan yang diikuti dalam Education or training attended in the financial
tahun buku year
Anggota Komite senantiasa mengikuti Members of the Committee continue to
pendidikan atau pelatihan yang diikuti dalam participate in education or training during the
tahun buku, yakni Sertifikasi Manajemen Risiko; year, namely Risk Management Certification;
Buku Panduan Akuntansi Perbankan (BPAK) Banking Accounting Handbook (BPAK) Special
Khusus Kredit dan PSAK 71; Call For Papers Credit and PSAK 71; Call For Papers North
Sumatera Utara Economic & Financial Insight Sumatra Economic & Financial Insight 2024 (SEFI
2024 (SEFI 2024); Challenge and Opportunity 2024); Challenge and Opportunity in Building
dalam Membangun Ekosistem Digital Banking; Digital Banking Ecosystem; Enhancing Fraud
Enhancing Fraud Detection System to Detection System to Strengthen Cybersecurity
Strengthen Cybersecurity Resilience in the Resilience in the Payment System Industry; How
Payment System Industry; How To Mitigate To Mitigate Transition and Physical Risks in
Transition and Physical Risks in Financial Sector; Financial Sector; Risk-Based Mentoring Program
Program Mentoring Berbasis Risiko Tindak on Money Laundering and Financing of
Pidana Pencucian Uang (TPPU) dan Tindak Terrorism (TPPT) Originating from Trafficking in
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Pendanaan Terorisme (TPPT) Yang Berasal Dari Persons and on Financial Technology in 2024
Tindak Pidana Perdagangan Orang dan pada Virtual (Online) to Reporting Parties and
Teknologi Finansial Tahun 2024 Secara Virtual Associations; Risk-Based Mentoring Program on
(Online) Kepada Pihak Pelapor dan Asosisasi; Money Laundering and Financing of Terrorism
Program Mentoring Berbasis Risiko Tindak (TPPT) Originating from Trafficking in Persons
Pidana Pencucian Uang (TPPU) dan Tindak and on Financial Technology in 2024 Virtual
Pendanaan Terorisme (TPPT) Yang Berasal Dari (Online) to Reporting Parties and Associations;
Tindak Pidana Perdagangan Orang dan pada PDP Law Comes into Effect: Strategies and
Teknologi Finansial Tahun 2024 Secara Virtual Practical Solutions to Ensure Compliance Based
(Online) Kepada Pihak Pelapor dan Asosisasi; on Cyber Risk Culture; and others.
UU PDP Mulai Efektif: Strategi dan Solusi Praktis
Memastikan Kepatuhan Berbasis Kultur Risiko
Siber; dan lainnya.
Penilaian Direksi terhadap Kinerja Komite Directors' Assessment of Committee
Performance
Komite Manajemen Risiko memiliki tugas dan The Risk Management Committee has the duty
tanggung jawab untuk membantu Direksi dalam and responsibility to assist the Board of
memberikan rekomendasi-rekomendasi yang Directors in providing recommendations needed
dibutuhkan dalam mengevaluasi pelaksanaan in evaluating the implementation of the Bank's
manajemen risiko Bank. Direksi menilai bahwa risk management. The Board of Directors
komite Manajemen Risiko telah menjalankan considers that the Risk Management Committee
tugas dan tanggung jawabnya dengan baik. has performed its duties and responsibilities
well.
10. Komite Pengarah Teknologi Informasi 10. Information Technology Steering Committee
Struktur Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Structure
Dalam proses tata Kelola Teknologi Informasi, In the process of Information Technology
perlu dibentuk Komite Pengarah Teknologi Governance, it is necessary to establish an
Informasi untuk memastikan hubungan yang Information Technology Steering Committee to
sinergis antara satuan kerja dalam pengelolaan ensure a synergistic relationship between work
inisiatif Teknologi Informasi. Pembentukan units in managing Information Technology
Komite Pengarah Teknologi Informasi initiatives. The establishment of the Information
berdasarkan Surat Keputusan Internal Bank Technology Steering Committee is based on the
nomor 027/SK-BMD/DIR/2024 tentang Komite Bank's Internal Decision Letter number 027/SK-
Pengarah Teknologi Informasi. BMD/DIR/2024 concerning the Information
Technology Steering Committee.
Perincian Struktur serta keanggotaan dari Details of the structure and membership of the
Komite Pengarah Teknologi Informasi (untuk Information Technology Steering Committee
selanjutnya disebut “TI”) dapat dilihat pada (hereinafter referred to as “IT”) can be seen in the
tabel di bawah ini: table below:
No. Jabatan/Position Nama/Name
1 Ketua Direktur Operasional
Chairman Operational Director
2 Wakil Ketua Wakil Presiden Direktur
Vice Chairman Vice President Director
3 Anggota Tetap Presiden Direktur
Permanent Member President Director
4 Anggota Tetap Direktur Umum
Permanent Member General Affair Director
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5 Anggota Tetap Direktur Kepatuhan
Permanent Member Compliance Director
6 Anggota Tetap Kepala Divisi TI (Penyelenggara TI)
Permanent Member Head of IT Division
7 Anggota Tetap Kepala Divisi SKAI
Permanent Member Head of Internal Audit Division
8 Anggota Tetap Kepala Divisi Human Capital
Permanent Member Head of Human Capital Division
9 Anggota Tetap Kepala Divisi Operasional
Permanent Member Head of Operational Division
10 Anggota Tetap Kepala Bagian Manajemen Risiko
Permanent Member Head of Risk Management Department
11 Anggota Tetap Kepala Bagian Kepatuhan
Permanent Member Head of Compliance Department
12 Anggota Tetap Kepala Bagian IT Security & GRC
Permanent Member Head of IT Security & GRC
Anggota Tidak Tetap Non-Permanent Members:
Pemimpin Divisi/Bagian yang berkaitan dengan pembahasan agenda Rapat Komite.
Heads of Divisions/Sections related to the discussion of the Committee Meeting agenda.
Tugas dan Tanggung Jawab Komite Pengarah Duties and Responsibilities of the Information
Teknologi Informasi Technology Steering Committee
Komite Pengarah TI bertanggung jawab The IT Steering Committee is responsible for
memberikan rekomendasi kepada Direksi providing recommendations to the Board of
mengenai: Directors regarding:
Rencana strategis TI yang sejalan dengan IT strategic plan that is in line with the Bank's
rencana korporasi Bank. corporate plan.
Dalam memberikan rekomendasi, Komite In providing recommendations, the IT
Pengarah TI harus memperhatikan faktor Steering Committee must consider the
efisiensi, efektivitas, dan hal-hal lain yaitu: factors of efficiency, effectiveness, and other
matters, namely:
o peta jalan (road-map) untuk mencapai o road-map to achieve IT requirements
kebutuhan TI yang mendukung strategi that support the Bank's business
bisnis Bank. Peta jalan (road-map) strategy. The road-map consists of the
terdiri dari kondisi saat ini (current current state, the future state, and the
state), kondisi yang ingin dicapai (future steps that will be taken to achieve the
state), dan langkah-langkah yang akan future state;
dilakukan untuk mencapai kondisi yang
ingin dicapai;
o sumber daya yang dibutuhkan; o resources required;
o manfaat yang akan diperoleh saat o benefits that will be obtained when the IT
Rencana Strategis TI diterapkan; dan Strategic Plan is implemented; and
o kendala yang mungkin timbul dalam o constraints that may arise in
penerapan Rencana Strategis TI. implementing the IT Strategic Plan
Kebijakan, standar, dan prosedur TI. IT policies, standards and procedures.
Kesesuaian antara rencana pengembangan Conformity between IT development plan
TI dan Rencana Strategis TI. and IT Strategic Plan.
Kesesuaian antara pelaksanaan Conformity between IT development
pengembangan TI dan rencana implementation and IT development plan.
pengembangan TI.
Evaluasi atas efektivitas biaya TI terhadap Evaluation of IT cost effectiveness against the
pencapaian manfaat yang direncanakan. achievement of planned benefits.
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Pemantauan atas kinerja TI dan upaya Monitoring of IT performance and efforts to
peningkatan kinerja TI. improve IT performance.
Upaya penyelesaian berbagai masalah Efforts to resolve various IT-related problems,
terkait TI, yang tidak dapat diselesaikan which cannot be resolved by the IT user and
oleh satuan kerja pengguna dan organizer work units effectively, efficiently
penyelenggara TI secara efektif, efisien dan and in a timely manner.
tepat waktu.
Kecukupan dan alokasi sumber daya terkait Adequacy and allocation of IT related
TI yang dimiliki Bank. resources owned by the Bank.
Rapat Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Meeting
Rapat Komite Pengarah TI diselenggarakan IT Steering Committee meetings are held at least
minimal 2 (dua) kali dalam setahun atau dapat twice a year or can be held at any time as needed.
diselenggarakan setiap saat sesuai kebutuhan.
Keputusan rapat Komite dilakukan berdasarkan Decisions of the Committee meetings are made
musyawarah mufakat, dalam hal tidak terjadi based on deliberation to reach a consensus, in the
musyawarah mufakat pengambilan keputusan event that no deliberation to reach a consensus
dilakukan secara voting (suara terbanyak). occurs, the decision is made by voting (majority
vote).
Hasil rapat harus dituangkan dalam risalah The results of the meeting must be outlined in the
rapat Komite Pengarah TI dan disampaikan minutes of the IT Steering Committee meeting
kepada Direksi. and submitted to the Board of Directors.
Pada tahun 2024, Komite Pengarah TI In 2024, the IT Steering Committee met 6 (six)
melakukan rapat sebanyak 6 (enam) kali. times.
Tabel Kehadiran peserta Komite Pengarah TI
IT Steering Committee participant attendance table
No. Position Meetings Attendances Attendance
Frequency Percentage
1 President Director (Achmad S Kartasasmita) 6 6 100%
2 Vice President Director (Hendra Halim) 6 6 100%
3 Operational Director (Harun Ansari) 6 5 83%
4 General Affair Director (Yusri Hadi) 6 6 100%
5 Compliance Director (Andy) 6 6 100%
6 Head of IT Division (Rudy Utomo) 6 6 100%
7 Head of Human Capital Division (Rita Ana) 6 5 83%
8 Head of Operational Division (Johan) 6 6 100%
9 Head of Internal Audit Division (Limin) 6 6 100%
10 Head of Risk Management Department (Hendrik) 6 6 100%
11 Head of Compliance Department (Sukini) 6 6 100%
12 Head of IT Security & GRC Department (Hendy Lianto) 6 6 100%
Program Kerja dan Realisasi Komite Pengarah Work Program and Realization of Information
Teknologi Informasi Technology Steering Committee
Adapun program kerja dan realisasi Komite The work program and realization of the IT
Pengarah TI selama tahun 2024 mencakup: New Steering Committee during 2024 includes: New
Core Banking, Struktur IT – Kekosongan Posisi Core Banking, IT Structure - Vacant Position of
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Kabag. IT Infrastructure & Operation, Anggaran Head. IT Infrastructure & Operation, IB/MB
Infrastruktur IB/MB, Pengadaan Fortimail, Infrastructure Budget, Fortimail Procurement, IT
Penyesuaian Anggota Komite IT, Penyesuaian Committee Member Adjustment, IT KSPT
dan Penambahan KSPT IT (2024), Project Core Adjustment and Addition (2024), Core Banking
Banking System (CBS), Project Pengembangan IT System (CBS) Project, IT Development Project
2024-2025, Anggaran IT, CRM & ATM, BCM – 2024-2025, IT Budget, CRM & ATM, BCM - APAR
Hasil Uji Coba APAR - Fire System, Progress Trial Results - Fire System, DRC Relocation
Relokasi DRC, Progress Loan System, Perubahan Progress, Loan System Progress, IT SOP Format
Format SOP IT, Penetapan Legend Format Baru Change, IT SOP New Format Legend
SOP IT, Penyesuaian dan Penetapan KSPT IT Determination, IT KSPT Adjustment and
(Revisi 1,2024), Rencana Strategis Teknologi Determination (Revision 1, 2024), Information
Informasi (RSTI) 2024-2028, Revisi Aktivitas Technology Strategic Plan (RSTI) 2024-2028,
Rencana Pengarah Teknologi Informasi (RPTI) Revision of Information Technology Steering Plan
Tahun 2024, Revisi Anggaran IT 2024, Piloting Activities (RPTI) 2024, Revision of IT Budget 2024,
Penggantian Jaringan Kantor Bank, Penilaian Piloting of Bank Office Network Replacement,
Tingkat Maturitas Digital Bank Umum – Periode Assessment of Digital Maturity Level of
2023, Pembahasan Pengadaan Core Banking, Commercial Banks - Period 2023, Discussion of
KPST TI, Penerapan DLP (Data Loss Prevention), Core Banking Procurement, IT KPST,
RPTI (Rencana Pengembangan Teknologi Implementation of DLP (Data Loss Prevention),
Informasi) Tahun 2024, RPTI (Rencana RPTI (Information Technology Development Plan)
Pengembangan Teknologi Informasi) Tahun 2024, RPTI (Information Technology
2025, Progress Pergantian ATM Eksisting, Development Plan) 2025, Progress of Existing
Update relokasi DRC (Disaster Recovery Center), ATM Replacement, Update on DRC (Disaster
Penginian Kebijakan Teknologi Informasi Recovery Center) relocation, Updating
mencakup: Kebijakan Standar Prosedur Tertulis Information Technology Policies including: BCM
BCM (Business Continuity Management), (Business Continuity Management) Standard
Kebijakan Prosedur Tertulis Penilaian Tingkat Written Procedure Policy, Bank Digital Maturity
Maturitas Digital Bank, dan Kebijakan Prosedur Level Assessment Written Procedure Policy, and
Tertulis Pengelolaan Risiko Siber. Cyber Risk Management Written Procedure
Policy.
Pendidikan atau pelatihan yang diikuti dalam Education or training attended in the financial
tahun buku year
Anggota Komite senantiasa mengikuti Members of the Committee continue to
pendidikan atau pelatihan yang diikuti dalam participate in education or training during the
tahun buku, yakni Sertifikasi Manajemen Risiko; year under review, namely Risk Management
Certified Lead Implementer ISO/IEC: 27001 : Certification; Certified Lead Implementer
2022; Enhancing Fraud Detection System to ISO/IEC: 27001 : 2022; Enhancing Fraud
Strengthen Cybersecurity Resilience in the Detection System to Strengthen Cybersecurity
Payment System Industry; Integrated AI Resilience in the Payment System Industry;
Innovation with ISO/IEC 42001; IT Risk & Cyber Integrated AI Innovation with ISO/IEC 42001; IT
Security for Banking: Temuan Lanjutan Dalam Risk & Cyber Security for Banking: Advanced
Implementasi Manajemen Risiko Teknologi Findings in the Implementation of Information
Informasi Termasuk Strategi Pada Digital Technology Risk Management Including
Banking dalam Menghadapi Cyber Crime; Strategies for Digital Banking in the Face of
Seminar Nasional Ketahanan dan Keamanan Cyber Crime; National Seminar on Financial
Siber Sektor Keuangan; Sosialisasi Ketentuan Sector Resilience and Cybersecurity;
Standardisasi Kompetensi di Bidang Sistem Socialization of Competency Standardization
Pembayaran (SK SP); Sosialisasi Mekanisme Provisions in the Payment System Sector (SK SP);
Cyber Patrol kepada Penyelenggara Sistem Socialization of Cyber Patrol Mechanisms to
Pembayaran (PSP); Strategi mencegah serangan Payment System Providers (PSP); Strategies to
siber; dan lainnya. prevent cyber attacks; and others.
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Penilaian Direksi terhadap Kinerja Komite Directors' Assessment of Committee
Performance
Komite Pengarah TI memiliki tugas dan The IT Steering Committee has duties and
tanggung jawab untuk membantu Direksi dalam responsibilities to assist the Board of Directors in
memberikan rekomendasi-rekomendasi yang providing recommendations needed in evaluating
dibutuhkan dalam evaluasi rencana strategis TI, the IT strategic plan, establishing IT policies,
penetapan kebijakan, Standar dan Prosedur TI, Standards and Procedures, monitoring IT
pemantauan kinerja TI, dan upaya penyelesaian performance, and resolving IT issues. The Board
masalah TI. Direksi menilai bahwa komite of Directors considers that the IT Steering
Pengarah TI telah menjalankan tugas dan Committee has performed its duties and
tanggung jawabnya dengan baik. responsibilities well.
11. Komite Kebijakan Perkreditan 11. Credit Policy Committee
Struktur Komite Kebijakan Perkreditan Credit Policy Committee Structure
Pembentukan Komite Kebijakan Perkreditan The establishment of the Credit Policy
(KKP) berdasar pada Surat Keputusan Internal Committee (KKP) is based on the Bank's Internal
Bank nomor 051/SK-BMD/DIR/2024. Decision Letter number 051/SK-BMD/DIR/2024.
Perincian Struktur serta keanggotaan dari Details of the structure and membership of the
Komite Kebijakan Perkreditan dapat dilihat Credit Policy Committee can be seen in the table
pada tabel di bawah ini: below:
No. Jabatan/Position Nama/Name
1 Ketua Presiden Direktur
Chairman President Director
2 Anggota Tetap Wakil Presiden Direktur
Permanent Member Vice President Director
3 Anggota Tetap Direktur Operasional
Permanent Member Operational Director
4 Anggota Tetap Direktur Kepatuhan
Permanent Member Compliance Director
5 Anggota Tetap Direktur Umum
Permanent Member General Affair Director
6 Anggota Tetap Kepala Divisi Kredit
Permanent Member Head of Credit Division
7 Anggota Tetap Kepala Divisi Marketing Commercial & Corporate
Permanent Member Head of Commercial & Corporate Marketing Division
8 Anggota Tetap Kepala Divisi Marketing SME & Retail
Permanent Member Head of SME & Retail Marketing Division
9 Anggota Tetap Kepala Divisi Konsumer
Permanent Member Head of Consumer Division
10 Anggota Tetap Kepala Divisi SKAI
Permanent Member Head of Internal Audit Division
11 Anggota Tetap Kepala Bagian Admin Kredit dan Portofolio
Permanent Member Head of Credit and Portfolio Admin Department
12 Anggota Tidak Tetap Kepala Bagian Kredit Review
Non Permanent Member Head of Credit Review Department
13 Anggota Tidak Tetap Kepala Bagian Remedial
Non Permanent Member Head of Remedial Department
14 Anggota Tidak Tetap Kepala Bagian Manajemen Risiko
Non Permanent Member Head of Risk Management Department
15 Anggota Tidak Tetap Kepala Bagian Kepatuhan
Non Permanent Member Head of Compliance Department
16 Anggota Tidak Tetap Kepala Bagian Marketing Commercial & Corporate
Non Permanent Member Head of Commercial & Corporate Marketing Department
17 Anggota Tidak Tetap Kepala Bagian Analis Kredit
Non Permanent Member Head of Credit Analysis Department
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18 Anggota Tidak Tetap Kepala Bagian Marketing SME & Retail
Non Permanent Member Head of SME & Retail Marketing Department
19 Anggota Tidak Tetap Kepala Bagian Konsumer
Non Permanent Member Head of Consumer Department
20 Anggota Tidak Tetap Kepala Bagian Pengembangan Produk Lending
Non Permanent Member Head of Lending Product Developmen Department
21 Anggota Tidak Tetap Kepala Bagian Legal
Non Permanent Member Head of Legal Department
Tugas dan Tanggung Jawab Komite Kebijakan Duties and Responsibilities of the Credit Policy
Perkreditan Committee
Memberi masukan kepada Direksi dalam Provide input to the Board of Directors in the
rangka penyusunan Kebijakan Perkreditan preparation of the Bank's Credit Policy,
Bank, terutama yang berkaitan dengan especially with regard to the formulation of
perumusan prinsip kehati-hatian dalam prudential principles in credit.
perkreditan.
Mengawasi agar Kebijakan Perkreditan Supervise that the Bank's Credit Policy can be
Bank dapat diterapkan secara konsekuen applied consequently and consistently and
dan konsisten serta merumuskan formulate solutions if obstacles / constraints
pemecahan apabila hambatan/kendala in the application of the Bank's Credit Policy,
dalam penerapan Kebijakan Perkreditan then conduct periodic reviews of the Bank's
Bank, selanjutnya melakukan kajian secara Credit Policy and provide advice to the Board
berkala terhadap Kebijakan Perkreditan of Directors if changes or improvements are
Bank dan memberikan saran kepada Direksi needed.
apabila diperlukan perubahan atau
perbaikan.
Memantau dan mengevaluasi: Monitor and evaluate:
o Perkembangan dan kualitas portofolio o The development and quality of the
perkreditan secara keseluruhan, overall credit portfolio,
o Kebenaran pelaksanaan kewenangan o The correctness of the implementation of
memutus kredit, the authority to decide credit,
o Kebenaran proses pemberian, o The correctness of the process of
perkembangan dan kualitas kredit yang granting, development and quality of
diberikan kepada pihak yang terkait loans granted to parties related to the
dengan Bank dan debitur-debitur besar Bank and certain large debtors,
tertentu,
o Kebenaran pelaksanaan ketentuan o Correct implementation of the provisions
Batas Maksimum Pemberian Kredit, of the Maximum Lending Limit,
o Ketaatan terhadap ketentuan o Adherence to statutory provisions and
perundang-undangan dan peraturan other regulations in the implementation
lainnya dalam pelaksanaan pemberian of credit granting,
kredit,
o Penyelesaian kredit bermasalah sesuai o Resolution of non-performing loans in
dengan yang ditetapkan dalam accordance with the Bank's Credit Policy,
Kebijakan Perkreditan Bank,
o Upaya Bank dalam memenuhi o The Bank's efforts to fulfill the adequacy
kecukupan jumlah penyisihan of the amount of allowance for loan
penghapusan kredit. losses.
Menyampaikan laporan tertulis secara Submit periodic written reports to the Board
berkala kepada Direksi dengan tembusan of Directors with a copy to the Board of
kepada Dewan Komisaris mengenai: Commissioners regarding:
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o Hasil pengawasan atas penerapan dan o The results of supervision over the
pelaksanaan Kebijakan Perkreditan implementation and execution of the
Bank, Bank's Credit Policy,
o Hasil pemantauan dan evaluasi o Results of monitoring and evaluation
mengenai hal-hal yang dimaksud pada regarding the matters referred to in the
poin di atas. above points.
Memberikan saran langkah-langkah Provide suggestions for corrective measures
perbaikan kepada Direksi dengan tembusan to the Board of Directors with a copy to the
kepada Dewan Komisaris mengenai hal-hal Board of Commissioners regarding matters
yang terkait dengan poin di atas. related to the above points.
Rapat Komite Kebijakan Perkreditan Credit Policy Committee Meeting
Pada tahun 2024, Komite Kebijakan Perkreditan In 2024, the Credit Policy Committee met 4 (four)
melakukan rapat sebanyak 4 (empat) kali. times
Tabel Kehadiran peserta Komite Kebijakan Perkreditan
Credit Policy Committee participants Attendance Table
No. Position Meetings Attendances Attendance
Frequency Percentage
1 President Director (Achmad S Kartasasmita) 4 4 100%
2 Vice President Director (Hendra Halim) 4 4 100%
3 Operational Director (Harun Ansari) 4 4 100%
4 General Affair Director (Yusri Hadi) 4 3 75%
5 Compliance Director (Andy) 4 4 100%
6 Head of Credit Division (Kornelus Damanik) 4 4 100%
7 Head of Commercial & Corporate Marketing Division (Ratna 4 3 75%
Juwita)
8 Head of SME & Retail Marketing Division (Edwar) 4 4 100%
9 Head of Consumer Division (Siska Nurindah Sari) 4 1 25%
10 Head of Internal Audit Division (Limin) 4 3 75%
11 Head of Credit Administration & Portfolio Department 4 4 100%
(Andreas)
Program Kerja dan Realisasi Komite Kebijakan Work Program and Realization of Credit Policy
Perkreditan Committee
Rapat Komite Kebijakan Perkreditan Credit Policy Committee meetings throughout
disepanjang tahun 2024 mengenai 2024 regarding the discussion of credit growth,
pembahasan pertumbuhan kredit, portofolio credit portfolio, core debtor ratio, NPL, write-
kredit, rasio debitur inti, NPL, Hapus Buku, offs, Credit Committee Limit Changes, Credit
Perubahan Limit Komite Kredit, Penyesuaian Product Guidelines Adjustments, Lending
Pedoman Produk Kredit, Pengembangan Product Development, and Multi-Use Loans.
Produk Lending, dan Kredit Multi Guna Usaha.
Pendidikan atau pelatihan yang diikuti dalam Education or training attended in the financial
tahun buku year
Anggota Komite senantiasa mengikuti Members of the Committee continue to
pendidikan atau pelatihan yang diikuti dalam participate in education or training during the
tahun buku, yakni Sertifikasi Manajemen Risiko; year under review, namely Risk Management
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Aspek Hukum Perkreditan dan Sertipikat Certification; Legal Aspects of Credit and
Elektronik dalam Transaksi Kredit; Buku Electronic Certificates in Credit Transactions;
Panduan Akuntansi Perbankan (BPAK) Khusus Banking Accounting Handbook (BPAK) for Credit
Kredit dan PSAK 71; Economic Outlook dan and PSAK 71; Economic Outlook and Bank
Rencana Bisnis Bank (RBB); Outlook Ekonomi Business Plan (RBB); Economic and Financial
dan Keuangan di Tahun 2024; Peran serta Aktif Outlook in 2024; Active Participation in the
dalam Pencegahan Green Financial Crime di Prevention of Green Financial Crime in the
Industri Keuangan; PSAK 71 : Instrumen Financial Industry; PSAK 71: Financial
Keuangan dan Backtesting Perhitungan CKPN; Instruments and CKPN Calculation Backtesting;
Sertifikat Elektronik dalam Pertanahan; Training Electronic Certificates in Land; Training on
Implementasi dan Model Penerapan Undang- Implementation and Implementation Model of
Undang Pelindungan Data Pribadi; dan lainnya. Personal Data Protection Law; and others.
Penilaian Direksi terhadap Kinerja Komite Directors' Assessment of Committee
Performance
Komite Kebijakan Perkreditan memiliki tugas The Credit Policy Committee has the duty and
dan tanggung jawab untuk membantu Direksi responsibility to assist the Board of Directors in
dalam penyusunan dan pemantauan terhadap the preparation and monitoring of the
implementasi kebijakan Perkreditan Bank. implementation of the Bank's credit policy. The
Direksi menilai bahwa Komite Kebijakan Board of Directors considers that the Credit
Perkreditan telah menjalankan tugas dan Policy Committee has performed its duties and
tanggung jawabnya dengan baik. responsibilities well.
12. Sekretaris Perusahaan 12. Corporate Secretary
Profil Sekretaris Perusahaan Corporate Secretary Profile
Suharto Kurniawan Suharto Kurniawan
Warga negara Indonesia, 52 tahun, domisili di Indonesian citizen, 52 years old, domiciled in
Medan, Sumatera Utara. Memperoleh gelar S-2 Medan, North Sumatra. He obtained his S-2
Magister Manajemen di Institut Pertanian Master of Management degree at Bogor
Bogor pada tahun 2009 dan gelar S-1 Ekonomi Agricultural University in 2009 and his S-1
di Universitas Islam Bandung. Economics degree at Bandung Islamic
University.
Karir profesional beliau dimulai di Bank Bukopin His professional career began at Bank Bukopin
dari tahun 1997 sampai dengan tahun 2019. from 1997 to 2019. His first career was in
Beliau berkarir pertama kali dalam Marketing Bukopin's Marketing Development Program
Development Program Bukopin hingga jabatan until the last position he held was as Branch
terakhir yang beliau jabat adalah sebagai Manager of Medan.
Branch Manager kota Medan.
Ditunjuk menjadi sekretaris perusahaan Appointed as corporate secretary based on the
berdasarkan Surat Keputusan Internal Bank Bank's Internal Decision Letter number 001/SK-
nomor 001/SK-BMD/DIR/2020 tanggal 2 Januari BMD/DIR/2020 dated January 2nd, 2020. He was
2020. Beliau ditunjuk menjadi sekretaris appointed as corporate secretary to replace the
perusahaan menggantikan sekretaris previous corporate secretary who had ended his
perusahaan sebelumnya yang telah berakhir term of office.
masa tugasnya.
Uraian Tugas dan Tanggung Jawab Description of Duties and Responsibilities
Menunjuk peraturan Otoritas Jasa keuangan Referring to the regulation of the Financial
Sekretaris Perusahaan nomor Services Authority Corporate Secretary number
35/POJK.04/2014, tugas dan tanggung jawab 35/POJK.04/2014, the duties and responsibilities
sekretaris perusahaan adalah sebagai berikut: of the corporate secretary are as follows:
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Mengikuti perkembangan pasar modal Keeping abreast of capital market
khususnya peraturan perundang-undangan developments, especially the prevailing laws
yang berlaku di bidang Pasar Modal. and regulations in the Capital Market sector.
Memberikan masukan kepada Direksi dan Provide input to the Board of Directors and
Dewan Komisaris emiten atau perusahaan Board of Commissioners of issuers or public
publik untuk mematuhi ketentuan companies to comply with statutory
perundang-undangan di bidang Pasar provisions in the Capital Market sector.
Modal.
Membantu Direksi dan Dewan Komisaris Assisting the Board of Directors and Board of
dalam pelaksanaan tata kelola perusahaan Commissioners in the implementation of
yang meliputi: corporate governance which includes:
o Menyampaikan keterbukaan informasi o Delivering information disclosure to the
kepada masyarakat, termasuk public, including the availability of
ketersediaan informasi pada Situs Web information on the Website of the Issuer
Emiten atau Perusahaan Publik atau or Public Company or print and electronic
media cetak dan elektronik. media.
o Penyampaian laporan kepada Otoritas o Timely submission of reports to the
Jasa Keuangan tepat waktu. Financial Services Authority.
o Penyelenggaraan dan dokumentasi o Organization and documentation of
Rapat Umum Pemegang Saham. General Meeting of Shareholders.
o Penyelenggaraan dan dokumentasi o Organization and documentation of
rapat Direksi dan/atau Dewan meetings of the Board of Directors
Komisaris. and/or Board of Commissioners.
o Pelaksanaan program orientasi o Implementation of company orientation
terhadap perusahaan bagi Direksi program for the Board of Directors
dan/atau Dewan Komisaris. and/or Board of Commissioners.
Sebagai penghubung antara Emiten atau As a liaison between the Issuer or Public
Perusahaan Publik dengan pemegang Company and the shareholders of the Issuer
saham Emiten atau Perusahaan Publik, or Public Company, the Financial Services
Otoritas Jasa Keuangan dan pemangku Authority and other stakeholders.
kepentingan lainnya.
Selain itu, melihat perkembangan regulasi In addition, seeing the development of
yang berlaku terkait Perbankan, Emiten dan applicable regulations related to Banking,
Perusahaan Publik, untuk pemenuhan Issuers and Public Companies, to fulfill
kepatuhan terhadap keterbukaan informasi compliance with information disclosure to all
kepada seluruh pemegang saham dan shareholders and stakeholders, the company
pemangku kepentingan, sekretaris secretary also handles the following matters:
perusahaan juga menangani hal-hal sebagai
berikut:
o Pelaksanaan Literasi Keuangan. o Financial Literacy Implementation.
o Pelaksanaan Corporate Social o Implementation of Corporate Social
Responsibility (CSR). Responsibility (CSR).
o Penyusunan Laporan Tahunan. o Preparation of Annual Report.
o Pembelian Kembali Saham dan o Buyback of Shares and Transfer of Shares
Pengalihan Saham yang telah dibeli that have been bought back.
Kembali.
o Pembukaan/Penutupan/Relokasi o Opening/Closing/Relocation of Office
Jaringan Kantor. Network.
o Keuangan Berkelanjutan (Penyusunan o Sustainable Finance (Preparation of
Rencana Keuangan Berkelanjutan dan Sustainable Finance Plan and Sustainable
Laporan Keuangan Berkelanjutan). Finance Report).
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Pelatihan dan/atau peningkatan kompetensi Training and/or competency improvement
yang diikuti attended
No. Judul Pelatihan / Training Topic Peserta /
Member
1 Regulatory Framework: Carbon Trading Compliance for Listed Suharto
Companies Kurniawan
2 Menangkap Peluang di Tengah Perlambatan Ekonomi Global
Capturing Opportunities Amidst Global Economic Slowdown
3 Refreshment ( Pengkinian ) dan Resertifikasi Manajemen Risiko J5
Risk Management Refreshment and Recertification J5
4 Capacity Building Sustainable Finance Event Forum
5 Creative, Innovative and Team Work for Productivity
6 Sosialisasi Pengenalan Fungsi Perlindungan Data Pribadi
Socialization of Personal Data Protection Function Introduction
7 Peluncuran Studi Laporan Keberlanjutan 2022 Perusahaan Publik di
Indonesia
Launch of 2022 Sustainability Report Study Public Companies in
Indonesia
8 Webinar Standar Pelaporan Keberlanjutan GRI 13 : Agriculture,
Aquaculture, Fisheries & GRI 101 : Biodiversity dalam rangka
Pelaporan Keberlanjutan untuk Ketahanan Pangan yang Lebih Baik
GRI 13 Sustainability Reporting Standards Webinar: Agriculture,
Aquaculture, Fisheries & GRI 101: Biodiversity in the context of
Sustainability Reporting for Better Food Security
9 Sosialisasi Pelindungan Konsumen terkait POJK Nomor 22 tahun
2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa
Keuangan
Socialization of Consumer Protection related to POJK Number 22 of
2023 concerning Consumer and Community Protection in the
Financial Services Sector
10 Embracing Innovation for The Future of Central Banking Services
Embracing Innovation for The Future of Central Banking Services
11 Training Implementasi dan Model Penerapan Undang-Undang
Pelindungan Data Pribadi
Implementation Training and Implementation Model of Personal
Data Protection Law
12 Sosialisasi IT Security Awareness
IT Security Awareness Socialization
13 Economic Outlook dan Rencana Bisnis Bank (RBB)
Economic Outlook and Bank Business Plan
14 Video Learning Transformasi Digital
Digital Transformation Video Learning
15 Evaluasi Program Kerja dan Capacity Building TPAKD Se-Sumatera
Utara
Evaluation of Work Program and Capacity Building of TPAKD
throughout North Sumatra
16 Call For Papers Sumatera Utara Economic & Financial Insight 2024
(SEFI 2024)
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13. Fungsi Kepatuhan 13. Compliance Function
Penerapan Fungsi Kepatuhan Implementation of Compliance Function
Perkembangan Transformasi Digital menuntut The development of Digital Transformation
Bank terus berinovasi dalam mengembangkan requires the Bank to continue to innovate in
aktivitas, layanan dan produk keuangan dengan developing activities, services and financial
mengedepankan kebutuhan konsumen products by prioritizing consumer needs
mengakibatkan tantangan dan eksposur yang resulting in greater challenges and exposures
dihadapi oleh Bank juga semakin besar. Untuk faced by the Bank. For this reason, it is necessary
itu diperlukan pengelolaan Risiko Kepatuhan to manage Compliance Risk well, in a timely
yang baik, tepat waktu, dan sejalan dengan manner, and in line with the implementation of
penerapan tata kelola yang baik pada Bank good governance at the Bank so as to minimize
sehingga dapat meminimalkan dampak risiko the impact of risks that will occur.
yang akan terjadi.
Sebagaimana diatur dalam ketentuan POJK As stipulated in the provisions of POJK
No.46/POJK.03/2017 tanggal 12 Juli 2017 No.46/POJK.03/2017 dated July 12th, 2017
tentang Pelaksanaan Fungsi Kepatuhan Bank concerning the Implementation of Compliance
Umum, Bank telah mewujudkan Budaya Function of Commercial Banks, the Bank has
Kepatuhan dan menerapkan fungsi kepatuhan realized Compliance Culture and implemented
yang meliputi tindakan sebagai berikut: compliance function which includes the
following actions:
Mewujudkan terlaksananya Budaya Realizing the implementation of
Kepatuhan pada semua tingkatan Compliance Culture at all levels of the
organisasi dan kegiatan usaha Bank, organization and business activities of the
Bank,
Mengelola risiko kepatuhan yang dihadapi Managing compliance risks faced by the
oleh Bank, Bank,
Memastikan agar kebijakan, ketentuan, Ensuring that policies, provisions, systems,
sistem, dan prosedur serta kegiatan usaha and procedures as well as business
yang dilakukan oleh Bank telah sesuai activities carried out by the Bank are in
dengan ketentuan Otoritas Jasa Keuangan accordance with the provisions of the
dan/atau ketentuan peraturan perundang- Financial Services Authority and / or
undangan, dan provisions of laws and regulations, and
Memastikan kepatuhan Bank terhadap Ensure the Bank's compliance with
komitmen yang dibuat oleh Bank kepada commitments made by the Bank to the
Otoritas Jasa Keuangan dan/atau otoritas Financial Services Authority and/or other
pengawas lain yang berwenang. authorized supervisory authorities.
Bank Mestika telah memiliki Direktur yang Bank Mestika has a Director in charge of the
membawahkan Fungsi Kepatuhan dan dibantu Compliance Function and is assisted by the
oleh Satuan Kerja Kepatuhan, agar Fungsi Compliance Working Unit, so that the
Kepatuhan dapat berjalan sesuai koridornya, Compliance Function can run according to its
Dewan Komisaris wajib melakukan pengawasan corridor, the Board of Commissioners must
aktif terhadap Fungsi Kepatuhan dengan actively supervise the Compliance Function by
mengevaluasi Pelaksanaan Fungsi Kepatuhan evaluating the Implementation of the Bank's
Bank paling sedikit 2 (dua) kali dalam satu tahun Compliance Function at least twice a year and
dan memberikan saran untuk meningkatkan providing suggestions to improve the quality of
kualitas pelaksanaan Fungsi Kepatuhan Bank. the implementation of the Bank's Compliance
Function.
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Aktivitas kepatuhan selama tahun 2024 Compliance activities during 2024
Melakukan kajian kepatuhan terhadap Conducting compliance review on the
Rancangan /Penyempurnaan kebijakan, design/improvement of Bank policies,
Pedoman, Standar, Prosedur, dan/atau guidelines, standards, procedures, and/or
Produk Bank. products.
Melakukan kajian/ review aspek kepatuhan Conduct a review of credit compliance
kredit dengan memperhatikan aspek aspects by taking into account the
kehati-hatian Bank dengan limit kumulatif prudential aspects of the Bank with a
kredit ≥ Rp. 10 miliar dan penyediaan dana cumulative credit limit of ≥ Rp. 10 billion
bagi pihak terkait > Rp. 1 miliar. and the provision of funds to related parties
> Rp. 1 billion.
Melakukan pengelolaan mengenai risiko Manage compliance risks faced in the
kepatuhan yang dihadapi dalam rangka context of implementing the Bank's risk
penerapan manajemen risiko Bank. management.
Memastikan bahwa komitmen Bank kepada Ensure that the Bank's commitments to the
Otoritas Jasa Keuangan dan/atau Otoritas Financial Services Authority and/or the
Pengawas Bank yang berwenang agar authorized Bank Supervisory Authority are
ditindaklanjuti dengan benar dan tepat properly and timely followed up.
waktu.
Memantau dan memastikan agar seluruh Monitor and ensure that all reports to the
laporan ke Regulator disampaikan secara Regulator are submitted in a timely manner
tepat waktu sesuai dengan ketentuan in accordance with applicable regulatory
regulator yang berlaku, serta melakukan requirements, and conduct Compliance
Compliance Report Monitoring untuk Report Monitoring to mitigate delays in
memitigasi terjadinya keterlambatan reporting to the Regulator.
pelaporan kepada Regulator.
Membuat Laporan Kepatuhan secara Make periodic Compliance Reports to the
berkala kepada Direksi, Dewan Komisaris Board of Directors, Board of Commissioners
dan Otoritas Jasa Keuangan. and Financial Services Authority.
Melakukan pemantauan/review Monitor/review the implementation of
pelaksanaan kepatuhan di unit kerja dan compliance in the work unit and assess
mengkaji apakah ada permasalahan whether there are compliance issues in the
kepatuhan di unit kerja. work unit.
Melakukan sosialisasi dan/atau Conduct socialization and/or refreshment
refreshment atas ketentuan-ketentuan dari of newly issued regulatory provisions to
Regulator yang baru diterbikan kepada unit related work units.
kerja terkait.
Memberikan pelatihan / sosialisasi Provide training/socialization on
mengenai ketentuan Regulator kepada Regulatory requirements to new employees
karyawan baru melalui Pendidikan. through Education.
Mengikutsertakan Sumber Daya Manusia di Include Human Resources in the
Satuan Kerja Kepatuhan dalam berbagai Compliance Working Unit in various
pelatihan/ seminar/webinar/sosialisasi training/seminars/webinars/socialization
peraturan dari regulator, Eksternal maupun of regulations from regulators, external
Internal. and internal.
Melakukan koordinasi dalam penyediaan Coordinate the provision of
data/dokumen terkait pemeriksaan data/documents related to internal and
Internal dan Eksternal. external audit.
Memberikan masukan/tanggapan atas Provide input/response to questions from
pertanyaan dari unit kerja terkait work units related to the implementation of
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pelaksanaan peraturan Otoritas Jasa Financial Services Authority/Bank
Keuangan/Bank Indonesia. Indonesia regulations.
Melakukan kegiatan lainnya yang terkait Perform other activities related to the
dengan Fungsi Kepatuhan. Compliance Function.
Pemenuhan Bank terhadap Regulatory Bank's Compliance with Regulatory Parameters
Parameter Tahun 2024 by 2024
• Rasio Kewajiban Penyediaan Modal The Capital Adequacy Ratio (CAR)
Minimum (KPMM) mencakup risiko kredit, covering credit risk, market risk and
risiko pasar dan risiko operasional adalah operational risk was 44.47%, which is
sebesar 44.47% berada di atas ketentuan above the applicable regulations.
yang berlaku.
• Tidak ada pelanggaran atau pelampauan There were no violations or exceedances
terhadap Batas Maksimum Pemberian of the Maximum Lending Limit.
Kredit (BMPK).
• Rasio NPL (gross) adalah 0.66% berada The NPL ratio (gross) of 0.66% is within the
dalam batas yang diperkenankan ketentuan limit allowed by the prevailing regulations
yang berlaku maksimal sebesar 5% (gross). of a maximum of 5% (gross).
• Giro Wajib Minimum (GWM) Rupiah adalah The Rupiah Statutory Reserve
sebesar 5.52% sudah sesuai dengan Requirement (GWM) of 5.52% is in
ketentuan yang berlaku mengenai GWM accordance with the applicable provisions
Rupiah. regarding the Rupiah Statutory Reserve
Requirement.
• Giro Wajib Minimum (GWM) Valuta Asing The Foreign Currency Reserve
adalah sebesar 5.00% sudah sesuai dengan Requirement (GWM) of 5.00% is in
ketentuan yang berlaku mengenai GWM accordance with the applicable provisions
Valuta Asing. regarding Foreign Currency Reserve
Requirement.
• Posisi Devisa Neto (PDN) 0.25% berada jauh The Net Open Position (NOP) of 0.25% is
dalam batas yang diperkenankan ketentuan well within the limit allowed by the
yang berlaku maksimal sebesar 20% dari prevailing regulations of a maximum of
modal. 20% of capital.
• Komitmen terhadap Otoritas Jasa Keuangan Commitments to the Financial Services
dan Bank Indonesia telah terpenuhi. Authority and Bank Indonesia have been
fulfilled.
14. Anti Pencucian Uang, Pencegahan Pendanaan 14. Anti-Money Laundering, Countering the Financing
Terorisme dan Pencegahan Pendanaan Proliferasi of Terrosism, and Countering the Financing of
Senjata Pemusnah Massal (APU, PPT, dan PPPSPM) Proliferation of Weapons of Mass Destruction
(AML/CFT, and PFPWMD)
Dengan berkembangnya kompleksitas produk dan With the growing complexity of products and
layanan yang diberikan serta semakin meningkatnya services provided and the increasing use of
penggunaan teknologi informasi untuk kemudahan information technology for ease of conducting
dalam melakukan transaksi dan mengakses layanan transactions and accessing services provided by the
yang diberikan oleh Bank membuat Perbankan Bank, Banking has become an institution that is very
menjadi lembaga yang sangat rentan terhadap vulnerable to the possibility of being used as a
kemungkinan dimanfaatkan sebagai media medium for money laundering and terrorism
pencucian uang dan pendanaan terorisme. Untuk financing. For this reason, consistent, optimal and
itu diperlukan penerapan program APU, PPT, dan effective implementation of AML, CFT and PFPWMD
PPPSPM yang konsisten, optimal dan efektif pada programs is required in all products, services and
seluruh produk, layanan maupun transaksi Bank. transactions of the Bank. The implementation of
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Penerapan program tersebut tidak saja penting these programs is not only important for the
untuk pemberantasan TPPU, TPPT dan PPSPM eradication of ML, FT and FPWMD but also to
melainkan juga untuk mendukung penerapan support the implementation of prudential banking
prudential banking yang dapat melindungi Bank dari which can protect the Bank from various risks that
berbagai risiko yang mungkin timbul antara lain may arise, including compliance risk, legal risk,
risiko kepatuhan, risiko hukum, risiko reputasi dan reputation risk and operational risk as well as
risiko operasional serta meningkatkan Tata Kelola improving the Bank's own Corporate Governance
Perusahaan (GCG) Bank sendiri. (GCG).
Pedoman penerapan program APU, PPT, dan Guidelines for the implementation of AML, CFT,
PPPSPM and PFPWMD Programs
• Peraturan Otoritas Jasa Keuangan Republik Regulation of the Financial Services
Indonesia Nomor 8 Tahun 2023 tentang Authority of the Republic of Indonesia
Penerapan Program Anti Pencucian Uang, Number 8 of 2023 concerning the
Pencegahan Pendanaan Terorisme, dan Implementation of Anti-Money Laundering
Pencegahan Pendanaan Proliferasi Senjata Program, Prevention of Financing of
Pemusnah Masaal di Sektor Jasa Keuangan. Terrorism, and Prevention of Financing of
Proliferation of Weapons of Mass
Destruction in the Financial Services Sector.
• Undang-Undang nomor 8 tahun 2010 Law No. 8 of 2010 on the Prevention and
tentang Pencegahan dan Pemberantasan Eradication of the Crime of Money
Tindak Pidana Pencucian Uang. Laundering.
• Undang-Undang nomor 9 tahun 2013 Law number 9 of 2013 on the Prevention and
tentang Pencegahan dan Pemberantasan Eradication of the Criminal Acts of Financing
Tindak Pidana Pendanaan Terorisme. Terrorism.
• Peraturan Kepala Pusat Pelaporan dan Regulation of the Head of the Financial
Analisis Transaksi Keuangan atau peraturan Transaction Reports and Analysis Center or
OJK lainnya yang terkait dengan penerapan other OJK regulations related to the
program APUPPT dan PPPSPM. implementation of AML CFT and PFPWMD
programs.
Adapun langkah-langkah yang ditempuh oleh The steps taken by the Bank in implementing
Bank dalam melaksanakan program APU, PPT AML, CFT and PFPWMD programs are:
dan PPPSPM adalah:
Monitoring dan pengawasan pelaksanaan Monitoring and supervising the
Program APU, PPT, dan PPPSPM seluruh implementation of AML, CFT, and PFPWMD
kantor Bank sebagaimana yang telah diatur programs in all Bank offices as stipulated in
dalam Kebijakan Internal Bank. the Bank's Internal Policies.
Melakukan pemantauan transaksi harian Monitoring daily transactions and analyzing
dan analisa kewajaran transaksi serta the reasonableness of transactions and
penginian data Nasabah secara updating customer data on an ongoing basis
berkesinambungan (on-going (on-going management).
management).
Penyampaian kewajiban pelaporan kepada Submission of reporting obligations to the
Pusat Pelaporan dan Transaksi Keuangan Financial Transaction and Reporting Center
(PPATK) yang terdiri dari Laporan Transaksi (PPATK) consisting of Cash Financial
Keuangan Tunai (LTKL), Laporan Transaksi Transaction Reports, Suspicious Financial
Keuangan Mencurigakan (LTKM) dan Transaction Reports and Financial
Laporan Transaksi Keuangan Transfer Dana Transaction Reports on Fund Transfers From
Dari dan Ke Luar Negeri (LTKL). and to Overseas.
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Penyampaian kewajiban pelaporan Sistem Submission of quarterly Integrated Service
Informasi Pengguna Jasa Terpadu (SIPJT) User Information System (SIPJT) reporting
secara triwulan kepada PPATK (Pusat obligations to PPATK (Financial Transaction
Pelaporan dan Analisis Transaksi Reports and Analysis Center).
Keuangan).
Pemeliharaan database Daftar Terduga Maintenance of the database of the List of
Teroris dan Organisasi Teroris (DTTOT) dan Suspected Terrorists and Terrorist
Daftar Pendanaan Proliferasi Senjata Organizations and the List of Funding for the
Pemusnah Massal (DPPSPM) yang Proliferation of Weapons of Mass
dipublikasikan melalui SIGAP serta Destruction published through SIGAP and
melakukan pengecekan (customer customer screening for similarity of data and
screening) atas kesamaan data dan identity in the Customer database (both
identitas didalam database Nasabah (baik individuals and corporations) by
individu maupun korporasi) oleh petugas implementing officers when conducting
pelaksana pada saat melakukan hubungan business relations with prospective
usaha dengan Calon Nasabah maupun WIC. customers and WIC.
Pengayaan informasi Daftar Pantau Updating Watchlist information and
Pengkinian (Updating Watchlist) dan enriching Normal Information (Inquiry) with
Pengayaan Informasi (Inquiry) Normal “Not Found” status through the SIPENDAR
dengan status “Tidak Ditemukan” melalui application (Suspected Terrorism Financing
aplikasi SIPENDAR (Sistem Informasi Information System) provided by PPATK.
Terduga Pendanaan Terorisme) yang
disediakan oleh PPATK.
Pemanfaatan data PEP (Politcally Exposed Utilization of PEP (Politcally Exposed Person)
Person) pada aplikasi PEP dari PPATK data in the PEP application from PPATK with
dengan akses melalui web-portal untuk access through the web-portal to identify
melakukan identifikasi dan verifikasi and verify new Bank Customers.
terhadap Nasabah baru Bank.
Penyampaian laporan PDKT (Penyampaian Submission of PDKT (Thematic Special Data
Data Khusus Tematik) dan PIKT Submission) and PIKT (Thematic Special
(Penyampaian Informasi Khusus Tematik) Information Submission) reports to PPATK
kepada PPATK melalui aplikasi goAML through the goAML application in the
dalam rangka pengawasan dan context of supervision and monitoring of
pemantauan terhadap Pemilihan Umum General Elections and Regional Head
dan Pemilihan Kepala Daerah sebagai Elections as part of the Collaborative
bagian dari Tim Kerja Analisis Kolaboratif. Analysis Working Team.
Penyampaian Laporan Realisasi Rencana Submission of the Customer Data Updating
Pengkinian Data Nasabah tahun 2024 Plan Realization Report in 2024 through the
melalui aplikasi SIPENA yang disediakan SIPENA application provided by OJK.
oleh OJK.
Menindaklanjuti realisasi pengkinian data Follow up the realization of customer data
nasabah tahun 2024 yang tidak updates in 2024 that are not completed by
terselesaikan dengan mengirimkan SMS sending SMS (SMS Blast)/email containing
(SMS Blast)/email yang berisikan himbauan an appeal to update the data.
untuk melakukan pengkinian data.
Penyampaian Laporan Anti Pencucian Uang Submission of Anti-Money Laundering and
dan Pencegahan Pendanaan Terorisme Prevention of Financing of Terrorism
(APU dan PPT) Bank Umum periode (AML/CFT) Reports for Commercial Banks for
semester I 2024 dan semester II 2024 the first semester of 2024 and second
melalui Aplikasi Pelaporan Online OJK semester of 2024 through the OJK Online
(APOLO). Reporting Application (APOLO).
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Pembaharuan Daftar Negara Berisiko Tinggi Updating the list of High Risk Countries so
(High Risk Countries) agar menjadi rujukan that it becomes a reference for
bagi petugas pelaksana untuk implementing officers to carry out EDD
melaksanakan prosedur EDD (Enhanced (Enhanced Due Diligence) procedures and be
Due Diligence) dan mewaspadai transaksi- aware of transactions related to these
transaksi yang terkait dengan Negara- countries.
Negara tersebut.
Penetapan klasifikasi risiko Calon Nasabah/ Determination of the risk classification of
Nasabah merujuk pada NRA dan/ atau SRA prospective clients/customers refers to the
TPPU, TPPT, dan PPSPM. NRA and/or SRA of ML, FT, and FPMWD.
Penyusunan Pedoman Penilaian Risiko Preparation of Risk Assessment Guidelines
Tindak Pidana Pencucian Uang (TPPU), for Money Laundering Crime, Financing of
Tindak Pidana Pendanaan Terorisme (TPPT), Terrorism Crime, and Financing of
dan Tindak Pidana Pendanaan Proliferasi Proliferation of Weapons of Mass
Senjata Pemusnah Massal (PPSPM). Destruction Crime.
Penilaian Risiko risiko TPPU, TPPT, dan Risk Assessment of ML, TPPT, and PPPSPM
PPPSPM Konsolidasi Bank dan Bank Cabang Consolidated Risk of the Bank and Bank
posisi 31 Desember 2023 dengan tujuan Branches as of December 31st, 2023 with the
untuk mengetahui besaran eksposur dan aim of knowing the amount of exposure and
kerentanan Bank termasuk Kantor Cabang vulnerability of the Bank including Branch
untuk dimanfaatkan sebagai media Tindak Offices to be used as a medium for Money
Pidana Pencucian Uang (TPPU), Tindak Laundering Crimes (ML), Crimes of Financing
Pidana Pendanaan Terorisme (TPPT) dan Terrorism (TPPT) and the Financing of
Pendanaan iraProliiferasi Senjata Proliferation of Weapons of Mass
Pemusnah Massal (PPSPM) dan penunjukan Destruction (PPSPM) and the appointment
Pejabat Penanggung Jawab Penerapan of the Officer in Charge of AML, CFT, and
Program APU, PPT, dan PPPSPM Kantor FPMWD Program Implementation of the
Cabang berdasarkan hasil penilaian risiko. Branch Office based on the results of the risk
assessment.
Penyampaian Dokumen Penilaian Risiko Submission of Risk Assessment Document of
Tindak Pidana Pencucian Uang, Tindak Money Laundering Crime, Financing of
Pidana Pendanaan Terorisme, dan Tindak Terrorism Crime, and Financing of Weapons
Pidana Pendanaan Proliferasi Senjata of Mass Destruction Proliferation Crime to
Pemusnah Massal kepada OJK. OJK.
Implementasi E-Training periode Pertama Implementation of E-Training for the first
Tahun 2024 kepada Staff, Kanit, dan Kasie. period of 2024 for Staff, Kanit, and Kasie.
Customer Service (termasuk CS SDB), HT Customer Service (including CS SDB), HT
(Head Teller), Staff dan Kanit. International (Head Teller), Staff and Kanit. International
Banking sebagai upaya meningkatkan Banking as an effort to increase
pemahaman serta kesadaran (awareness) understanding and awareness regarding the
terkait pentingnya pelaksanaan program importance of implementing AML, CFT, and
APU,PPT, dan PPPSPM dalam rangka PPPSPM programs in the context of
Pencegahan Tindak Pidana Pencucian Uang Preventing Money Laundering, Financing of
(TPPU), Tindak Pidana Pendanaan Terrorism, and Preventing the Financing of
Terorisme (TPPT), dan Pencegahan Weapons of Mass Destruction Profiferation
Pendanaan Profiferasi Senjata Pemusnah which are carried out regularly and
Massal (PPPSPM) yang dilaksanakan secara routinely.
berkala dan rutin.
Penetapan Klasifikasi Risiko Calon Nasabah/ Determination of Risk Classification of
Nasabah merujuk pada IRA (Individual Risk Prospective Customer/Customer refers to
Assessment), NRA (National Risk IRA (Individual Risk Assessment), NRA
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Assessment) dan/ atau SRA (Sectoral Risk (National Risk Assessment) and/or SRA
Assessment) TPPU, TPPT, dan PPPSPM. (Sectoral Risk Assessment) of ML, CFT, and
FPMWD.
Penetapan Bobot Faktor Risko dan Rentang Determination of Risk Factor Weight and
Tingkat Risiko Akhir untuk Penilaian Risiko Final Risk Level Range for Customer Risk
Calon Nasabah/ Nasabah (Customer Risk). Assessment.
Penetapan Klasifikasi Risiko Beneficial Determination of Beneficial Owner (BO) Risk
Owner (BO) dari Calon Nasabah/ Nasabah. Classification of Prospective Customers.
Penetapan Bobot Faktor Risiko dan Rentang Determination of Risk Factor Weight and
Tingkat Risiko Akhir untuk Penilaian Risiko Final Risk Level Range for Beneficial Owner
Beneficial Owner (BO) dari Calon Nasabah/ (BO) Risk Assessment of Prospective
Nasabah. Customer/Customer.
Penyampaikan laporan SIPINA (Sistem Submission of SIPINA (Foreign Customer
Penyampaian Informasi Nasabah Asing) Information Submission System) report for
periode tahun 2023 kepada Otoritas Jasa the period of 2023 to the Financial Services
Keuangan (OJK). Authority (OJK).
Tindak lanjut terkait Penyampaian Update Follow-up related to the Submission of Data
Data atas Pihak yang Diduga Terkait dengan Updates on Parties Suspected of Being
Judi Online dengan Data Nomor Induk Related to Online Gambling with Population
Kependudukan (NIK) kepada OJK dan juga Identification Number (NIK) Data to OJK and
menindaklanjuti pada Sistem Informasi also follow up on the Anti-Money
Program Anti Pencucian uang dan Laundering and Terrorism Financing
Pencegahan Pendanaan Terorisme (SIGAP). Prevention Program Information System
(SIGAP).
Implementasi E-Training periode Kedua Implementation of E-Training for the second
Tahun 2024 kepada Staff, Kanit, dan Kasie. period of 2024 for Staff, Kanit, and Kasie.
Customer Service (termasuk CS SDB), HT Customer Service (including CS SDB), HT
(Head Teller), Staff dan Kanit. International (Head Teller), Staff and Kanit. International
Banking sebagai upaya meningkatkan Banking as an effort to increase
pemahaman serta kesadaran (awareness) understanding and awareness regarding the
terkait pentingnya pelaksanaan program importance of implementing AML, CFT, and
APU,PPT, dan PPPSPM dalam rangka PPPSPM programs in the context of
Pencegahan Tindak Pidana Pencucian Uang Preventing Money Laundering (TPPU),
(TPPU), Tindak Pidana Pendanaan Financing of Terrorism (TPPT), and
Terorisme (TPPT), dan Pencegahan Preventing the Financing of Proliferation of
Pendanaan Proliferasi Senjata Pemusnah Weapons of Mass Destruction (PPPSPM)
Massal (PPPSPM) yang dilaksanakan secara which are carried out regularly and
berkala dan rutin. routinely.
Pelaksanaan review terhadap Screening List Review of the Swift Transaction Screening
Swift Transaction Screeening dengan hasil List with the result of adding 3 (three) new
berupa penambahan 3 (tiga) list terbaru lists consisting of 2 (two) Canada Sanction
yang terdiri dari 2 (dua) Canada Sanction List and 1 (one) Indonesia Sanction List.
List dan 1 (satu) Indonesia Sanction List.
Pelaksanaan penilaian FIR (Financial Implementation of FIR (Financial Integrity
Integrity Rating on Money Laundering and Rating on Money Laundering and Terrorist
Terrorist Financing) Tahun 2024 melalui Financing) assessment in 2024 through
pengisian kuesioner, pengumpulan data questionnaires, data collection and indepth
dan indepth interview yang dilakukan oleh interviews conducted by PPATK with the
PPATK dengan hasil FIR on ML/TF Bank results of FIR on ML/TF Bank in the category
masuk pada kategori SANGAT BAIK. of EXCELLENT.
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Penyampaian Laporan Rencana Pengkinian Submission of Data Update Plan Report for
Data untuk Tahun 2025 kepada Otoritas 2025 to the Financial Services Authority
Jasa Keuangan (OJK) melalui Surat Nomor (OJK) through Letter Number
1239/DIR/2024 tanggal 27 Desember 2024. 1239/DIR/2024 dated December 27th, 2024.
Implementasi E-Training) periode Ketiga Implementation of the Third Period of E-
untuk Tahun 2024 kepada Staff, Kanit, dan Training for the Year 2024 to Staff, Heads,
Kasie. Customer Service (termasuk CS SDB), and Section Officers. Customer Service
Staff Teller, Asisten HT, dan HT (Head (including CS SDB), Teller Staff, HT Assistant,
Teller), Staff dan Kanit. International and HT (Head Teller), Staff and Kanit.
Banking sebagai upaya meningkatkan International Banking as an effort to
pemahaman serta kesadaran (awareness) increase understanding and awareness of
terkait pentingnya pelaksanaan program the importance of implementing AML, CFT,
APU, PPT, dan PPPSPM dalam rangka and PFPWMD programs in the context of
Pencegahan Tindak Pidana Pencucian Uang Preventing Money Laundering, Financing of
(TPPU), Tindak Pidana Pendanaan Terrorism, and Financing of Weapons of
Terorisme (TPPT), dan Tindak Pidana Mass Destruction which are carried out
Pendanaan Profiferasi Senjata Pemusnah regularly and routinely.
Massal (PPSPM) yang dilaksanakan secara
berkala dan rutin.
Prinsip Pengenalan Nasabah Know Your Customer Principles
Pada tahun 2024, Bank telah melakukan In 2024, the Bank has updated customer data
penginian data Nasabah dengan kategori Risiko with High Risk, Medium Risk, and Low Risk
Tinggi (High), Risiko Menengah (Medium), dan categories with the number of customers who
Risiko Rendah (low) dengan jumlah Nasabah have been successfully updated is 28,554 CIFs
yang telah berhasil dikinikan adalah sebanyak (85.54%) of the total customers to be updated in
28.554 CIF (85.54%) dari keseluruhan Nasabah 2024 according to these categories, namely
yang akan dikinikan pada tahun 2024 sesuai 33,382 CIFs.
dengan kategori tersebut yaitu sejumlah 33.382
CIF.
Peningkatan pemahaman serta kesadaran Increased understanding and awareness
(awareness) melalui pelatihan/sosialisasi baik through training/socialization both organized
yang diselenggarakan oleh pihak internal by internal and external parties.
maupun eksternal.
Selama tahun 2024 pelatihan/ sosialisasi yang During the year 2024, training/socialization that
telah diberikan maupun yang telah diikuti has been given or participated in, among others:
antara lain:
Tanggal/ Pelatihan atau Sosialisasi/
No.
Date Training or Socialization
1 06-Feb-24 Pertemuan koordinasi terkait CAT (Collaborative Analysis Team) yang diselenggarakan
oleh PPATK
Coordination meeting related to CAT (Collaborative Analysis Team) organized by INTRAC
2 15-16 Feb-24 Program Mentoring Berbasis Risiko Tindak Pidana Pencucian Uang (TPPU) dan Tindak
Pidana Pendanaan Terorisme (TPPT) yang berasal dari Tindak Pidana Perdagangan Orang
dan pada Teknologi Finansial Tahun 2024 Secara Virtual (online) kepada Pihak Pelapor dan
Asosiasi yang diselenggarakan oleh PPATK
Risk-Based Mentoring Program on Money Laundering Crime and Financing of Terrorism
Crime originating from Trafficking in Persons and on Financial Technology in 2024 Virtual
(online) to Reporting Parties and Associations organized by INTRAC
3 20-Feb-24 Coaching Penyusunan Dokumen Penilaian Risiko TPPU, TPPT dan/ atau PPPSPM secara
Individual (Individual Risk Assessment/ IRA) oleh Penyedia Jasa Keuangan yang
diselenggarakan oleh OJK
Coaching for the Preparation of Individual Risk assessment (IRA) of ML, TPPT and/or
PPPSPM by Financial Service Providers organized by OJK
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4 21-22 Feb-24 Training Program Pengkinian Sertifikasi Manajemen Risiko Level 3 (Jenjang/ Kualifikasi 5)
Manajemen Risiko Perbankan yang diselenggarakan oleh RMG
Training Program for Risk Management Certification Update Level 3 (Level / Qualification
5) Banking Risk Management organized by RMG
5 29-Feb-24 Webinar Penanganan Kejahatan dengan berlakunya UU P2SK & POJK Tahun 2023 yang
diselenggarakan oleh FKDKP
Webinar on Crime Handling with the enactment of the P2SK Law & POJK in 2023 organized
by FKDKP
6 04-Apr-24 Diseminasi penguatan integritas dalam bekerja maupun kehidupan sehari-hari dalam
rangka melaksanakan pencegahan dan pemberantasan korupsi bagi terwujudnya
Masyarakat anti korupsi khususnya sektor jasa keuangan yang berintegritas yang
diselenggarakan oleh OJK
Dissemination of strengthening integrity in work and daily life in order to carry out the
prevention and eradication of corruption for the realization of an anti-corruption society,
especially the financial services sector with integrity organized by OJK
7 05-Apr-24 Sosialisasi terkait konfirmasi script indikator Transaksi Keuangan Mencurigakan (TKM)
yang diselenggarakan oleh PPATK.
Socialization related to the confirmation of the Suspicious Financial Transaction indicator
script held by INTRAC
8 24-Apr-24 Training identifikasi Transaksi Keuangan Mencurigakan dan Penentuan Indikasi Tindak
Pidana Asal yang diselenggarakan oleh FKDKP
Training on Identification of Suspicious Financial Transactions and Determination of
Indications of Criminal Origin organized by FKDKP
9 26-Apr-24 Pertemuan koordinasi terkait dengan pelaksanaan Tim Kerja Analisis Kolaboratif terkait
Pemilu dan Pilkada atau Collaborative Analysis Team (CAT) yang diselenggarakan oleh
PPATK
Coordination meeting related to the implementation of the Collaborative Analysis Team
(CAT) organized by INTRAC.
10 29-Apr-24 Webinar Peran Serta Aktif dalam Pencegahan Green Financial Crime di Industri Keuangan
yang diselenggarakan oleh FKDKP
Webinar on Active Participation in the Prevention of Green Financial Crime in the Financial
Industry organized by FKDKP
11 07-Mei-24 Pertemuan Tim Kerja Analisis Kolaboratif Terkait Pemilu dan Pilkada di Hotel Shangrila
Jakarta, yang diselenggarakan oleh PPATK
Collaborative Analysis Working Team Meeting Related to Elections and Regional Head
Elections at Shangrila Hotel Jakarta, organized by INTRAC
12 17-Mei-24 Seminar Internasional Kerja sama antara PPATK dan Bank Indonesia dengan tema
“Strengthening International Cooperation on Asset Recovery and Urgency of Detection of
Illicit Financial Flows on Cyber-Enabled Fraud” yang diselenggarakan oleh FKDKP
International Seminar between PPATK and Bank Indonesia with the theme “Strengthening
International Cooperation on Asset Recovery and Urgency of Detection of Illicit Financial
Flows on Cyber-Enabled Fraud” organized by FKDKP
13 21-Mei-24 Pertemuan koordinasi terkait Informasi Penyampaian PDKT dan PIKT Pemilu 2024 yang
diselenggarakan oleh PPATK
Coordination meeting related to PDKT and PIKT Election 2024 Submission Information
organized by PPATK
14 06-Jun-24 Kegiatan “Rembuk Nasional” dan Permohonan Penunjukkan Narahubung FKDKP
(Pembahasan terkait Kolaborasi antara PPATK dan Bank Umum guna menyikapi
perkembangan dan agenda Nasional seperti Pemilihan Kepala Daerah serentak tahun
2024, Kendala dalam pelaksanaan kewajiban pelaporan yang dialami oleh Bank Umum dan
Permasalahan Kualitas data, cara pelaporan, dan hal lain yang mengakibatkan terjadinya
kendala dalam proses analisis, pemeriksaan dan kegiatan lainnya sesuai tugas, fungsi dan
kewenangan PPATK) yang diselenggarakan oleh PPATK
“National Meeting” and Request for Appointment of FKDKP Contact Person (Discussion
related to Collaboration between INTRAC and Commercial Banks to address national
developments and agendas such as Simultaneous Regional Head Elections in 2024,
Obstacles in the implementation of reporting obligations experienced by Commercial
Banks and Problems with data quality, reporting methods, and other things that result in
obstacles in the process of analysis, examination and other activities in accordance with
INTRAC's duties, functions and authorities) organized by INTRAC
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15 21-Jun-24 Sosialisasi terkait Pemanfaatan Nomor Induk Berusaha (NIB) bagi Pelaku Usaha, yang
diselenggarakan oleh OJK
Socialization related to the Utilization of Business Identification Number for Business
Actors, organized by OJK
16 04-Jul-24 Pelaksanaan Kick Off Meeting Survei Penilaian Index Kinerja PPATK Tahun 2024 kepada
Penyedia Jasa Keuangan
Implementation of Kick Off Meeting of INTRAC Performance Index Assessment Survey in
2024 to Financial Service Providers
17 10-11 Jul-24 Training Identifikasi Transaksi Keuangan Mencurigakan dan Penentuan Tindak Pidana Asal
yang diseleggarakan oleh FKDKP
Training on Identification of Suspicious Financial Transactions and Determination of
Criminal Acts of Origin organized by FKDKP
18 15-Jul-24 Pengkinian/refreshment Program Sertifikasi Manajemen Risiko Jenjang 4 dengan tujuan
menyempurnakan pemahaman terbaru mengenai perkembangan manajemen risiko pada
perbakan, memberikan ketentuan regulator (OJK) dalam konteks refreshment secara
berkala kepada pemegang sertifikat yang diselenggarakan oleh LMI
Updating/refreshing the Risk Management Certification Program Level 4 with the aim of
perfecting the latest understanding of risk management developments in the banking
sector, providing regulatory provisions (OJK) in the context of periodic refreshment to
certificate holders organized by LMI
19 25-Jul-24 Rapat kordinasi terkait data masking yang diselenggarakan oleh PPATK
Coordination meeting related to data masking organized by INTRAC
20 08-Agt-24 Rapat koordinasi penyusunan petunjuk teknis pembukaan dan penutupan rekening
khusus dana kampanye pasangan calon gubernur dan wakil gubernur, bupati dan wakil
bupati serta walikota dan wakil walikota yang diselenggarakan oleh PPATK
Coordination meeting on the preparation of technical guidelines for opening and closing
special campaign fund accounts for candidates for governor and deputy governor, regent
and deputy regent and mayor and deputy mayor organized by INTRAC
21 20-Agt-24 Peluncuran FIR dan ML/TF tahun 2024 kepada Bank Umum yang diselenggarakan oleh
PPATK
Launching of FIR and ML/TF in 2024 to Commercial Banks organized by INTRAC
22 02-Feb-24 Sosialisasi terkait Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU-PPT)
18-Apr-24 yang diselenggarakan oleh Divisi Human Capital
03-Sep-24 Socialization related to Anti-Money Laundering and Prevention of Financing of Terrorism
(AML-CFT) organized by the Human Capital Division
23 05-Sep-24 Webinar “How to Prevent Money Laundering and Terrorism Financing” yang
diselenggarakan oleh OJK
Webinar “How to Prevent Money Laundering and Terrorism Financing” organized by OJK
24 20-Sep-24 Survei Transformasi Ekonomi Hijau Inklusif Indonesia : Signifikansi Kebijakan Penanganan
Green Financial Crimes di Era Derupsi BANI Tahun 2024 yang diselenggarakan oleh PPATK
Indonesia Inclusive Green Economy Transformation Survey: The Significance of Green
Financial Crimes Handling Policies in the Era of BANI Derruption in 2024 organized by
INTRAC
25 24-Sep-24 Kegiatan Seminar Internasional “Optimalisasi Kolaborasi Dalam Mencegah dan Menangani
Green Financial Crime di Indonesia Menuju Indonesia Emas 2045” yang diselenggarakan
oleh PPATK
International Seminar “Optimizing Collaboration in Preventing and Handling Green
Financial Crime in Indonesia Towards a Golden Indonesia 2045” organized by INTRAC
26 30-Sep-24 Diseminasi Hasil Indeks Efektivitas Kinerja PPATK 2024 yang diselenggarakan oleh PPATK
Dissemination of INTRAC Performance Effectiveness Index 2024 Results organized by
INTRAC
27 16-17 Okt-24 Workshop Identifikasi Transaksi Keuangan Mencurigakan dan Penentuan Indikasi tindak
Pidana asal yang diselenggarakan oleh FKDKP
Workshop on Identification of Suspicious Financial Transactions and Determination of
Indications of Criminal Origin organized by FKDKP
28 25-Okt-24 Pertemuan Koordinasi CAT (Collaborative Analysis Team) Pilkada yang diselenggarakan
oleh PPATK
Pilkada CAT (Collaborative Analysis Team) Coordination Meeting organized by INTRAC
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29 15-Nov-24 Sosialisasi Sistem Indonesia Anti-Scam Centre (Pusat Penanganan Penipuan Transaksi
Keuangan)
Socialization of Indonesia Anti-Scam Centre System (Financial Transaction Fraud Handling
Center)
30 19-Nov-24 Seminar “Memerangi Judi Online dan Kejahatan Era Ekonomi Digital 5.0” yang
diselenggarakan oleh OVO dan PPATK
Seminar “Combating Online Gambling and Crime in the Era of Digital Economy 5.0”
organized by OVO and INTRAC
31 04-Des-24 Sosialisasi Pengembangan Aplikasi SIGAP Tahun 2024 yang diselenggarakan oleh OJK
Socialization of SIGAP Application Development in 2024 organized by OJK
32 11-Des-24 Diseminasi Hasil Penilaian Financial Integrity Rating on Money Laundering and Terrorist
Financing (FIR on ML/TF) Tahun 2024 yang diselenggarakan oleh PPATK
Dissemination of Financial Integrity Rating Results on Money Laundering and Terrorist
Financing (FIR on ML/TF) Year 2024 organized by INTRAC
15. Fungsi Audit Internal 15. Internal Audit Function
Profil Kepala Divisi Audit Head of Internal Audit Division Profile
Nama: Limin Name: Limin
Warga Negara Indonesia, 50 Tahun, Indonesian citizen, 50 years old, obtained his
memperoleh gelar Magister Manajemen di Master of Management degree in 2011 and
tahun 2011 dan gelar Certified Fraud Examiner Certified Fraud Examiner degree in 2013, Certified
di tahun 2013, Certified in Audit Committee in Audit Committee Practices (CACP) in 2019. He
Practices (CACP) di tahun 2019. Beliau diangkat was appointed as Head of SKAI Division since
menjadi Kepala Divisi SKAI sejak tanggal 2 February 2nd, 2012 through Appointment Letter
Februari 2012 melalui Surat Pengangkatan No.014/SP/BMD/KPO/2012.
No.014/SP/BMD/KPO/2012.
Riwayat Jabatan Background of Head of Internal Audit Division
Kepala Divisi SKAI | Head of Internal Audit Division
Nama Limin
Tanggal Lahir 31 Maret 1974 (usia 50 tahun)
Kewarganegaraan Indonesia
Pendidikan Formal & Sertifikasi | Formal Education & Certification
2011 S-2 Magister Manajemen
2013 Certified Fraud Examiner
2019 Certified in Audit Committee Practices (CACP)
Pengalaman Kerja | Working Experience
1994 - 1997 Account Officer PT Intan Tangguharta Finance Medan
1997 - 1998 Staf Exim BCA Medan
1998 - 2002 Staf PSO ABN AMRO Bank Medan
2003 - 2004 Auditor PT Bank Mestika Bank Mestika
2004 - 2005 Risk Management Officer PT Bank Mestika Dharma
2005 - 2006 Head of Risk Management Unit Section at PT Bank Mestika Dharma
2006 - 2009 Head of Risk Management and Compliance Section at PT Bank Mestika Dharma
2009 - 2011 Head of Risk Management and Compliance Department at PT Bank Mestika Dharma
2011 - 2012 Head of Risk Management Department at PT Bank Mestika Dharma
2012 - sekarang Head of Internal Audit Division at PT Bank Mestika Dharma, Tbk
Pelatihan dan/atau peningkatan kompetensi Training and/or competency improvement
yang diikuti attended
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No Judul Pelatihan Peserta
1 Panduan Praktis Merancang Strategi untuk Pemenuhan UU PDP Limin
A Practical Guide to Designing a Strategy for PDP Law Compliance
2 Sosialisasi Pengenalan Fungsi Perlindungan Data Pribadi
Socialization of Personal Data Protection Function Introduction
3 Forum Penguatan Fungsi GRC: Deseminasi Standar Audit Internal Terkini
GRC Function Strengthening Forum: Dissemination of Latest Internal Audit Standards
4 Sosialisasi Pelindungan Konsumen terkait POJK Nomor 22 tahun 2023 tentang
Pelindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan
Socialization of Consumer Protection related to POJK Number 22 of 2023 concerning
Consumer and Community Protection in the Financial Services Sector
5 Anti Fraud “Implementing Sound Ethic : Sharing Experiences”
6 POJK 5/2024: Mengukuhkan Fondasi Perbankan di Tengah Volatilitas Global
POJK 5/2024: Strengthening Banking Foundations Amid Global Volatility
7 Sosialisasi SE BMD No. 092 perihal Penyesuaian Kewajiban Sertifikasi Manajemen
Risiko
Socialization of SE BMD No. 092 regarding Adjustment of Risk Management
Certification Obligations
8 Training Implementasi dan Model Penerapan Undang-Undang Pelindungan Data
Pribadi
Implementation Training and Implementation Model of Personal Data Protection Law
9 National Anti Fraud Conference 2024
10 Sosialisasi IT Security Awareness
IT Security Awareness Socialization
11 Refreshment ( Pengkinian ) dan Resertifikasi Manajemen Risiko J6
Risk Management Refreshment and Recertification J6
12 Data Driven Executive - Pemanfaatan AI untuk Perbankan
Data Driven Executive - Utilizing AI for Banking
13 Liquidity Coverage Ratio (LCR) dan Net Stable Funding Ratio (NFSR) : Updating
Interprestasi, Implementasi dan Review Laporan sesuai Regulasi Terkini (Termasuk
Kertas Kerja)
Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NFSR): Updating
Interpretation, Implementation and Review of Reports in accordance with Latest
Regulations (Including Working Papers)
14 Economic Outlook dan Rencana Bisnis Bank (RBB)
Economic Outlook and Bank Business Plan
15 Video Learning Transformasi Digital
Digital Transformation Video Learning
16 Sosialisasi Pelindungan Data Pribadi
Socialization of Personal Data Protection
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Struktur dan Kedudukan SKAI Structure and Position of SKAI
Penjelasan Struktur Organisasi:
Divisi SKAI Bank dipimpin oleh 1 (satu) pejabat Ka. Divisi SKAI, dibantu oleh 2 (dua) Ka. Bagian SKAI
yakni Ka. Bagian Digital and Technology Audit dan Ka. Bagian Performance Audit serta Auditor Senior
(Kasie), dan Auditor Junior (Kanit dan Staf). Ka. Divisi SKAI bertanggungjawab langsung kepada Presdir
Bank. Sesuai dengan regulasi yang berlaku, untuk mendukung independensi, objektivitas, menjamin
kelancaran audit serta pemenuhan tanggung jawab dan kewenangan SKAI, Ka. Divisi SKAI dan kedua
Ka. Bagian juga berkomunikasi langsung dengan Komite Audit, yang untuk selanjutnya melanjutkan ke
Dewan Komisaris. Pemberian laporan SKAI kepada Presiden Direktur harus dengan tembusan kepada
Direktur Kepatuhan (Compliance Director).
The Bank's SKAI Division is led by 1 (one) Head of Internal Audit Division, assisted by 2 (two) Head of
Department, namely Head of Digital and Technology Audit Department and Head of Performance Audit
Department as well as Senior Auditors, and Junior Auditors. Head of Internal Audit Division reports
directly to the President Director of the Bank. In accordance with applicable regulations, to support
independence, objectivity, ensure the smooth running of audits and fulfillment of SKAI's responsibilities
and authorities, the Head of Internal Audit Division and the Head of Digital and Technology Audit
Department and Head of Performance Audit Department also communicate directly with the Audit
Committee, which in turn forwards to the Board of Commissioners. The provision of the SKAI report to
the President Director must be attached to the Compliance Director.
Piagam Audit Internal Internal Audit Charter
Dalam melaksanakan aktivitasnya, SKAI In carrying out its activities, SKAI is guided by the
berpedoman pada Piagam Audit Internal Internal Audit Charter and Audit
(Internal Audit Charter) dan Pedoman Implementation Guidelines prepared based on
Pelaksanaan Audit yang disusun berdasarkan POJK No.1/POJK.03/2019 through Decree
POJK No.1/POJK.03/2019 melalui Surat No.053/SK-BMD/DIR/2024 dated October 30,
Keputusan Nomor No.053/SK-BMD/DIR/2024 2024.
tanggal 30 Oktober 2024.
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Tugas dan Tanggung Jawab SKAI Duties and Responsibilities of Internal Audit
Menyusun dan mengkaji Piagam Audit Develop and review the Internal Audit
Internal secara periodik, minimal tiga tahun Charter periodically, at least once every
sekali, dan mengajukan penyesuaian atau three years, and propose adjustments or
perubahan ke Komite Audit jika diperlukan. changes to the Audit Committee if
necessary.
Menyusun rencana audit tahunan dan Develop an annual audit plan and budget
alokasi anggaran untuk pelaksanaan fungsi allocation for the implementation of the
audit intern dan memastikan pelaksanaan internal audit function and ensure the
audit intern sesuai dengan rencana audit implementation of internal audits in
intern. accordance with the internal audit plan.
Memastikan pelaksanaan fungsi audit Ensure the implementation of the internal
intern dan cakupan kegiatan SKAI sesuai audit function and the scope of SKAI
dengan ketentuan Otoritas Jasa Keuangan, activities in accordance with the provisions
Undang-Undang dan Standar Profesional of the Financial Services Authority, the Law
Audit Internal yang berlaku, termasuk audit and the applicable Internal Audit
sistem informasi, dan pengembangan Professional Standards, including
keuangan berkelanjutan. Dalam hal ini information system audits, and sustainable
termasuk menentukan arah, kebijakan, financial development. This includes
prosedur, manual pelaksanaan, ruang determining the direction, policies,
lingkup pelaksanaan penugasan, jadwal, procedures, implementation manuals,
penerapan teknik audit, serta penilaian scope of assignments, schedules,
efektivitas sistem audit. Cakupan kegiatan application of audit techniques, and
SKAI meliputi: assessment of the effectiveness of the audit
system. The scope of SKAI activities
includes:
o Kinerja dan kualitas Bank secara o Overall performance and quality of the
keseluruhan, termasuk kantor cabang Bank, including branches and sub-
dan cabang pembantu, serta kegiatan branches, as well as the Bank's
Bank yang diserahkan kepada pihak activities that are outsourced to
ekstern. external parties.
o Pemeriksaan, observasi dan evaluasi o Ongoing examination, observation and
efektivitas, efisiensi, kecukupan tata evaluation of the effectiveness,
kelola, manajemen risiko, sistem efficiency, adequacy of governance,
pengendalian intern secara risk management, internal control
berkesinambungan, kepatuhan, serta systems, compliance, and sustainable
pengembangan keuangan financial development.
berkelanjutan.
o Keandalan, efektivitas, dan integritas o Reliability, effectiveness and integrity
dari proses dan sistem manajemen of information management processes
informasi termasuk relevansi, akurasi, and systems including relevance,
kelengkapan, ketersediaan, dan accuracy, completeness, availability
kerahasiaan data. and confidentiality of data.
Memilih dan mengalokasikan sumber daya Selecting and allocating competent
internal auditor yang kompeten sesuai internal auditor resources in accordance
dengan kebutuhan dalam pelaksanaan with the needs in carrying out tasks,
tugas, termasuk untuk tujuan mutasi dan including for the purpose of mutation and
pengembangan karir, pengembangan career development, professional
profesional kompetensi melalui pelatihan development of competence through
berkelanjutan, sertifikasi maupun continuous training, certification and
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penugasan untuk pemeriksaan umum dan assignments for general examinations and
untuk pemeriksaan khusus, sehingga for special examinations, so that the
perkembangan personil Divisi SKAI development of SKAI Division personnel is
senantiasa sesuai dengan kebutuhan dalam always in accordance with the needs in the
Organisasi Bank dan dinamika bisnis Bank's organization and the dynamics of
perbankan. the banking business.
Menyampaikan laporan dan melakukan Submitting reports and consulting with the
konsultasi dengan Presiden Direktur, President Director, coordinating and
berkoordinasi dan berdiskusi dengan discussing with other Directors and or other
Direksi lainnya dan atau pejabat lainnya, officials, and if requested by the Board of
dan jika diminta oleh Direksi, dapat Directors, may give warnings or
memberikan peringatan/warning atau reprimands to auditees when irregularities
teguran pada auditee bila terjadi occur. In this case including:
penyimpangan. Dalam hal ini termasuk:
o Melaporkan temuan yang signifikan o Report significant findings for
untuk dilakukan perbaikan dalam waktu improvement in a timely manner and
cepat dan melaporkan hasil report the results of monitoring of
pemantauan atas temuan yang significant findings to the President
signifikan kepada Presdir dan Direksi, and Board of Directors, as well as the
serta Dewan Komisaris, dengan Board of Commissioners, with a copy to
tembusan kepada Komite Audit dan the Audit Committee and Compliance
Direktur Kepatuhan, Director,
o Apabila terdapat ketidaksesuaian o If there is a non-conformity to the
terhadap Standar dan Kode Etik yang Standards and Code of Ethics that
mempengaruhi ruang lingkup aktivitas affects the scope of internal audit
audit internal, Kepala Divisi SKAI harus activities, the Head of the SKAI Division
mengungkapkan ketidaksesuaian must disclose the non-conformity and
tersebut dan dampaknya ke its impact to Management and the
Manajemen dan Laporan Pelaksanaan Internal Audit Implementation Report
Audit Internal ke OJK, to OJK,
o Hasil pemantauan dan hasil tindak o Monitoring results and results of
lanjut perbaikan temuan, follow-up repair of findings,
o Memberikan opini umum (overall o Provide an overall opinion on
opinion) secara menyeluruh mengenai governance, risk management, and/or
tata kelola, manajemen risiko, dan/atau internal control processes based on the
proses pengendalian internal results of assignments and other
berdasarkan hasil-hasil penugasan dan activities within a certain time frame.
aktivitas lainnya pada rentang waktu
tertentu.
Berkonsultasi dengan pihak eksternal/ahli Consult with external parties/legal experts
hukum dan atau pihak lain, jika diperlukan. and or other parties, if necessary.
Memastikan dalam hal terdapat Ensure the use of external services for
penggunaan jasa pihak ekstern untuk internal audit activities:
aktivitas audit intern:
o Bersifat sementara dan memastikan o Be temporary and ensure knowledge
terselenggara transfer pengetahuan transfer between external parties to
antara pihak ekstern kepada anggota Internal Audit members,
SKAI,
o Mempertimbangkan independensi dan o Consider the independence and special
keahlian khusus pihak ekstern, expertise of the external party,
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o Penggunaan jasa pihak ekstern tidak o The use of external party services does
memengaruhi independensi dan not affect the independence and
objektivitas fungsi SKAI, objectivity of the Internal Audit
function,
o Pihak ekstern mematuhi Piagam Audit o External parties comply with the Bank's
Internal Bank. Internal Audit Charter.
Membatasi penyampaian hasil penugasan Restrict the delivery of assignment results
dengan melakukan pembatasan by limiting the use of assignment results.
penggunaan hasil penugasan.
Pelaksanaan unit audit pada tahun buku Implementation of the audit unit in the
Pada tahun 2024, SKAI telah melaksanakan financial year
sebanyak 39 (tiga puluh sembilan) objek In 2024, Internal Audit has carried out 39 (thirty
pemeriksaan, sesuai dengan Rencana Audit nine) audit objects, in accordance with the 2024
Tahunan 2024. SKAI juga melaksanakan Annual Audit Plan. Internal Audit also carried
pemeriksaan di luar Rencana Audit Tahunan out examinations outside the 2024 Annual Audit
2024 yakni pemeriksaan Manajemen TI – Plan, namely the examination of IT
Penyelenggaraan CRM (Cash Recycle Machine), Management - CRM (Cash Recycle Machine)
Manajemen TI – Relokasi DRC (Data Center Implementation, IT Management - DRC (Data
Recovery), Manajemen TI – Pusat Pemulihan Center Recovery) Relocation, IT Management -
Bencana (DRC), dan Manajemen Pelaksanaan Disaster Recovery Center (DRC), and SLIK
SLIK. Implementation Management.
Pemeriksaan surprise audit terhadap khasanah A surprise audit of the treasury has also been
juga telah dilakukan sebanyak 428 (empat ratus conducted 428 (four hundred and twenty-eight)
dua puluh delapan) kali pada Khasanah Kantor times at the Operational Head Office, Branch
Pusat Operasional, Kantor Cabang, Kantor Offices, Sub-Branch Offices and Cash Service
Cabang Pembantu dan Kantor Cabang Sub-Branch Offices throughout 2024.
Pembantu Layanan Kas di sepanjang tahun
2024.
Pelaksanaan frekuensi rapat dengan Direksi, Frequency of meetings with the Board of
Dewan Komisaris, dan/atau Komite Audit Directors, the Board of Commissioners, and/or
the Audit Committee
Seluruh anggota SKAI berpartisipasi dalam All Internal audit members participated in Audit
Rapat Komite Audit, yang pada tahun 2025 Committee Meetings, which in 2025 were held
diadakan sebanyak 13 (tiga belas) kali. Pejabat 13 (thirteen) times. Internal audit officers
SKAI senantiasa hadir dalam seluruh Rapat attended all ALCO Committee, Risk
Komite ALCO, Komite Manajemen Risiko, Management Committee, Credit Policy
Komite Kebijakan Perkreditan, dan Komite Committee, and IT Steering Committee
Pengarah TI. meetings.
16. Fungsi Audit Eksternal 16. External Audit Function
Penunjukan AP dan/atau KAP PA and/or PAF appointment
Bank menunjuk Kantor Akuntan Publik (KAP) The Bank appointed Public Accounting Firm
Leonard, Mulia & Richard untuk melakukan (PAF) Leonard, Mulia & Richard to audit the
pemeriksaan terhadap laporan keuangan Bank financial statements of Bank Mestika for the
Mestika untuk tahun buku 2024. financial year 2024.
Nama KAP: Kantor Akuntan Publik Leonard, Name of Public Accounting Firm: Leonard,
Mulia dan Richard Mulia and Richard Public Accounting Firm
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Nama AP: Budiadi Widjaja Public Accountant Name: Budiadi Widjaja
History penugasan AP: ke-2 (kedua) PA assignment history: 2nd (second)
Periode penugasan: untuk tahun buku yang Assignment period: for the financial year
berakhir pada 31 Desember 2024 ending December 31st, 2024
Informasi jasa audit yang diberikan: Proposal Information on audit services provided: The
audit menunjuk pada POJK No.9 Tahun 2023 audit proposal refers to POJK No.9 of 2023 and
dan SEOJK No.18/SEOJK.03/2023 dan SEOJK No.18/SEOJK.03/2023 and the audit
metodologi pelaksanaan audit berdasarkan methodology is based on auditing standards set
standar auditing yang ditetapkan IAPI (Institut by IAPI (Indonesian Institute of Certified Public
Akuntan Publik Indonesia). Serta penilaian Accountants). As well as an assessment of the
terhadap penyajian laporan keuangan sesuai presentation of financial statements in
dengan ketentuan Pernyataan Standar accordance with the provisions of the
Akuntansi Keuangan (PSAK) yang berlaku di Statement of Financial Accounting Standards
Indonesia. applicable in Indonesia.
Biaya Jasa: Rp 435,000,000,- belum termasuk Service Fee: IDR 435,000,000, - excluding VAT.
PPN
KAP Leonard, Mulia dan Richard serta AP PAF Leonard, Mulia and Richard and PA Budiadi
Budiadi Widjaja tidak memberikan jasa non Widjaja do not provide non-audit services.
audit.
Opini Akuntan Publik atas laporan keuangan The Public Accountant's Opinion on the
Bank Mestika yang berakhir pada tahun buku financial statements of Bank Mestika for the
2024 telah disajikan secara wajar dan telah financial year ended 2024 has been presented
sesuai dengan Standar Akuntansi Keuangan di fairly and in accordance with Indonesian
Indonesia. Financial Accounting Standards.
Efektivitas Pelaksanaan Audit Eksternal Effectiveness of External Audit
Implementation
Komite Audit melakukan evaluasi terhadap The Audit Committee evaluates the
pelaksanaan pemberian jasa audit atas implementation of the provision of audit
informasi keuangan historis tahunan oleh AP services on annual historical financial
dan/atau KAP yang paling sedikit mencakup: information by PA and / or PAF which at least
includes:
• Kesesuaian pelaksanaan audit oleh AP Conformity of audit implementation by PA
dan/atau KAP dengan standar audit yang and/or PAF with applicable audit
berlaku. standards.
• Kecukupan waktu pekerjaan lapangan Adequacy of field work time
• Pengkajian cakupan jasa yang diberikan dan Assessment of the scope of services
kecukupan uji petik. provided and the adequacy of the
sampling.
• Rekomendasi perbaikan yang diberikan Recommendations for improvement
oleh AP dan/atau KAP. provided by PA and/or PAF.
Komite Audit melakukan evaluasi terhadap The Audit Committee evaluates the
pelaksanaan pemberian jasa audit atas implementation of the provision of audit
informasi keuangan historis tahunan oleh services on annual historical financial
Akuntan Publik dan/atau Kantor Akuntan Publik information by Public Accountants and / or
sesuai dengan Surat Edaran Otoritas Jasa Public Accounting Firms in accordance with the
Keuangan No.18/SEOJK.03/2023 tentang Tata Circular Letter of the Financial Services
Cara Penggunaan Jasa Akuntan Publik dan Authority No.18/SEOJK.03/2023 concerning
Procedures for the Use of Public Accountant
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Kantor Akuntan Publik dalam Kegiatan Jasa Services and Public Accounting Firms in
Keuangan. Financial Services Activities.
Hubungan antara Bank, Akuntan Publik, dan Relationship between Banks, Public
Otoritas Jasa Keuangan Accountants and Financial Services Authority
Dalam pelaksanaan audit, Bank Mestika In conducting the audit, Bank Mestika always
senantiasa melakukan komunikasi dengan communicates with the external auditor
auditor eksternal terkait rencana pelaksanaan regarding the audit implementation plan, audit
audit, progress audit dan isu-isu penting lainnya progress and other important issues to support
untuk mendukung kelancaran proses audit. the smoothness of the audit process. The audit
Laporan hasil audit disampaikan kepada OJK report is submitted to FSA in accordance with
sesuai dengan peraturan perundang-undangan the prevailing laws and regulations.
yang berlaku.
17. Sistem Manajemen Risiko 17. Risk Management System
Gambaran Umum Overview
Bank Mestika memiliki sistem manajemen risiko Bank Mestika has a risk management system
dan sistem pengendalian internal yang and internal control system that is adjusted to
disesuaikan dengan tujuan, kebijakan usaha, the objectives, business policies, size and
ukuran dan kompleksitas kegiatan usaha Bank. complexity of the Bank's business activities. The
Dewan Komisaris dan Direksi Bank Mestika Board of Commissioners and Board of Directors
bertanggung jawab atas penerapan manajemen of Bank Mestika are responsible for the
risiko dan pengendalian internal. implementation of risk management and
internal control.
Pengelolaan risiko Bank Mestika diatur dalam Bank Mestika's risk management is regulated in
suatu Kebijakan dan Pedoman Manajemen a Risk Management Policy and Guidelines,
Risiko yang disusun dengan mengacu pada which are prepared with reference to regulatory
ketentuan Regulator dan International Best requirements and international best practices.
Practice.
Bank Mestika telah mengimplementasikan Bank Mestika has implemented the
penerapan Basel III dari segi permodalan yang implementation of Basel III in terms of capital
mengacu pada POJK No.27/SEOJK.03/2022 which refers to POJK No.27/SEOJK.03/2022
tentang Kewajiban Penyediaan Modal concerning Capital Adequacy Requirements for
Minimum Bank Umum. Bank telah melakukan Commercial Banks. The Bank has reported the
pelaporan perhitungan ATMR untuk Risiko calculation of RWA for Credit Risk in accordance
Kredit sesuai dengan SEOJK with SEOJK No.24/SEOJK.03/2021 regarding the
No.24/SEOJK.03/2021 tentang Perhitungan Calculation of Risk-Weighted Assets for Credit
Aset Tertimbang Menurut Risiko Untuk Risiko Risk Using the Standardized Approach for
Kredit Dengan Menggunakan Pendekatan Commercial Banks and the implementation of
Standar Bagi Bank Umum dan implementasi RWA calculation reporting for Operational Risk
pelaporan perhitungan ATMR untuk Risiko in accordance with SEOJK No.06/SEOJK.03/2020
Operasional sesuai dengan SEOJK regarding the Calculation of Risk-Weighted
No.06/SEOJK.03/2020 tentang Perhitungan Assets for Operational Risk Using the
Aset Tertimbang Menurut Risiko Untuk Risiko Standardized Approach for Commercial Banks.
Operasional Dengan Menggunakan Pendekatan In 2024, Bank Mestika has implemented the
Standar Bagi Bank Umum. Pada tahun 2024 ini calculation of RWA for Market Risk using a
Bank Mestika telah mengimplementasikannya simplified standardized approach as stipulated
perhitungan ATMR untuk Risiko Pasar dengan in SEOJK No.23/SEOJK.03/2022 concerning
pendekatan standar yang disederhanakan Calculation of Risk Weighted Assets for Market
(simplified standardised approach) yang diatur Risk for Commercial Banks.
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dalam SEOJK No.23/SEOJK.03/2022 tentang
Perhitungan Aset Tertimbang Menurut Risiko
Untuk Risiko Pasar Bagi Bank Umum.
Bank Mestika pada tahun 2024 telah melakukan Bank Mestika in 2024 has conducted industrial
industrial test perhitungan pada rasio likuiditas, test calculation on liquidity ratios, namely
yaitu Liquidity Coverage Ratio (LCR) yang diatur Liquidity Coverage Ratio (LCR) as stipulated in
dalam POJK No.42/POJK.03/2015 dan Net POJK No.42/POJK.03/2015 and Net Stable
Stable Funding Ratio (NSFR) yang diatur dalam Funding Ratio (NSFR) as stipulated in POJK
POJK No.50/POJK.03/2017. Pada Januari 2025 No.50/POJK.03/2017. In January 2025 Bank
Bank Mestika akan melakukan pelaporan LCR Mestika will report LCR and NSFR periodically to
dan NSFR secara berkala kepada Regulator. the Regulator.
Pengawasan aktif Direksi dan Dewan Komisaris Active supervision of the Board of Directors
and Board of Commissioners
Pengawasan aktif Dewan Komisaris antara lain Active supervision of the Board of
dengan: Commissioners includes:
Menyetujui kebijakan manajemen risiko Approve risk management policies including
termasuk strategi dan kerangkan risk management strategies and
manajemen risiko yang ditetapkan sesuai frameworks established in accordance with
dengan tingkat risiko yang akan diambil; the level of risk to be taken;
Mengevaluasi kebijakan dan strategi Evaluate risk management policies and
manajemen risiko minimal 1 (satu) tahun strategies at least once a year or if there are
sekali atau jika terdapat perubahan yang changes that significantly affect the Bank's
mempengaruhi model bisnis Bank secara business model;
signifikan; Evaluate the accountability of the Board of
Mengevaluasi pertanggungjawaban Direksi Directors and monitor the effectiveness of
dan memantau efektivitas pelaksanaan the implementation of the internal control
sistem pengendalian intern; system;
Memastikan kebijakan dan proses Ensure that risk management policies and
manajemen risiko dilaksanakan secara processes are implemented effectively and
efektif dan terintegrasi dalam proses integrated in the overall risk management
manajemen risiko secara menyeluruh; process;
Mengesahkan struktur organisasi Bank. To approve the Bank's organizational
structure.
Dewan Komisaris membentuk Komite The Board of Commissioners established a Risk
Pemantau Risiko yang berfungsi memberikan Monitoring Committee that functions to provide
rekomendasi dalam rangka mendukung recommendations in order to support the
efektivitas pelaksanaan tugas dan tanggung effectiveness of the implementation of the
jawab Dewan Komisaris khususnya dibidang duties and responsibilities of the Board of
manajemen risiko. Pembentukan Komite Commissioners, especially in the field of risk
Pemantau Risiko Bank Mestika diatur dalam management. The establishment of Bank
Surat Keputusan Internal No. 039/SK- Mestika's Risk Monitoring Committee is
BMD/DIR/2023. regulated in Internal Decree No. 039/SK-
BMD/DIR/2023.
Pengawasan aktif Direksi dilaksanakan antara Active supervision of the Board of Directors is
lain dengan: carried out by, among others:
Melaksanakan kebijakan dan strategi yang Implementing policies and strategies
telah disetujui oleh Dewan Komisaris. approved by the Board of Commissioners.
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Mengembangkan prosedur untuk Developing procedures to identify, measure,
mengidentifikasi, mengukur, memantau monitor and control risks faced by the Bank.
dan mengendalikan risiko yang dihadapi
Bank.
Memelihara suatu struktur organisasi yang Maintaining an organizational structure
mencerminkan kewenangan, tanggung that reflects clear authority, responsibility
jawab dan hubungan pelaporan yang jelas. and reporting relationships.
Memastikan bahwa pendelegasian Ensure that delegation of authority is
wewenang berjalan secara efektif yang effective and supported by consistent
didukung oleh penerapan akuntabilitas application of accountability.
yang konsisten.
Menetapkan kebijakan dan strategi serta Establish internal control policies, strategies
prosedur pengendalian intern. and procedures.
Memantau kecukupan dan efektivitas dari Monitor the adequacy and effectiveness of
sistem pengendalian intern. the internal control system.
Dewan Direksi didalam melakukan pengawasan The Board of Directors in conducting supervision
dibantu oleh komite-komite yang dibentuk is assisted by committees formed under the
dibawah Direksi, diantaranya: Board of Directors, including:
Komite Manajemen Risiko Risk Management Committee
Komite Kebijakan Perkreditan Credit Policy Committee
Komite Pengarah Teknologi Informasi IT Steering Committee
ALCO ALCO
Dewan Komisaris dan Direksi bertanggung The Board of Commissioners and Board of
jawab atas efektivitas penerapan manajemen Directors are responsible for the effectiveness of
risiko di Bank. Untuk itu Dewan Komisaris dan risk management implementation in the Bank.
Direksi harus memahami risiko-risiko yang For this reason, the Board of Commissioners and
dihadapi Bank dan memberikan arahan yang the Board of Directors must understand the risks
jelas, melakukan pengawasan dan mitigasi faced by the Bank and provide clear direction,
secara aktif serta mengembangkan budaya actively supervise and mitigate, and develop a
manajemen risiko di Bank. Selain itu Dewan risk management culture in the Bank. In
Komisaris dan Direksi juga harus memastikan addition, the Board of Commissioners and Board
struktur organisasi yang memadai, menetapkan of Directors must also ensure an adequate
tugas dan tanggung jawab yang jelas pada organizational structure, establish clear duties
masing-masing unit, serta memastikan and responsibilities in each unit, and ensure the
kecukupan kuantitas dan kualitas SDM untuk adequacy of the quantity and quality of human
mendukung penerapan Manajemen Risiko resources to support the effective
secara efektif. Pengawasan aktif yang dilakukan implementation of Risk Management. Active
oleh Dewan Komisaris dan Direksi dilakukan supervision by the Board of Commissioners and
dengan : Board of Directors is conducted by:
Komisaris dan Direksi Bank memastikan The Bank's Commissioners and Directors
pemahaman terhadap manajemen risiko ensure an understanding of risk
beserta perkembangannya melalui management and its development through
pemenuhan ketentuan sertifikasi dan the fulfillment of certification and
refreshment, mengikuti perkembangan refreshment requirements, following the
peraturan dan ketentuan perbankan, serta development of banking rules and
mengetahui dan memahami regulations, and knowing and
perkembangan karakteristik dan understanding the development of the
kompleksitas kegiatan Bank. characteristics and complexity of the
Bank's activities.
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Komisaris dan Direksi Bank memastikan The Bank's Commissioners and Directors
para pejabat eksekutif dan karyawan Bank ensure that the Bank's executives and
memahami dan mengimplementasikan employees understand and implement risk
manajemen risiko beserta wewenang / management and its
tanggung-jawab / budaya risiko melalui authority/responsibility/risk culture
berbagai media yang tersedia, seperti through various available media, such as
laporan Bank, masukan dari Komite-komite the Bank's reports, inputs from
yang ada dalam Bank dan rapat-rapat yang Committees within the Bank and meetings
diadakan. held.
Kecukupan kebijakan dan prosedur Adequacy of risk management policies and
manajemen risiko serta penetapan limit risiko procedures and establishment of risk limits
Kebijakan manajemen risiko merupakan Risk management policy is a written guideline
pedoman tertulis yang sejalan dengan visi, misi, that is in line with the Bank's vision, mission and
dan rencana stratejik Bank yang disusun dengan strategic plan that is prepared by considering
memperhatikan tingkat risiko yang bersedia the level of risk that is willing to be taken by
diambil dengan melakukan penetapan limit. setting limits.
Kebijakan dan Prosedur Manajemen Risiko Risk Management Policies and
Procedures
Bank Mestika memiliki kebijakan Bank Mestika has a risk management
manajemen risiko yang dijadikan sebagai policy that serves as a guideline in
pedoman dalam melaksanakan manajemen implementing risk management by
risiko dengan menerapkan prinsip kehati- applying prudential principles.
hatian.
Untuk aktivitas bisnis yang lebih spesifik For more specific business activities, the
Bank telah memiliki kebijakan dan prosedur Bank has more specialized policies and
yang lebih khusus, seperti: procedures, such as:
o Kebijakan perkeditan o Lending policy
o Kebijakan pengelolaan likuiditas o Liquidity management policy
o Market code of conduct o Market code of conduct
o Kebijakan manajemen teknologi o Information technology management
informasi policy
o Kebijakan dan prosedur operasional o Operational policies and procedures
o Kebijakan penyelenggaraan produk o New product implementation policy
baru
o Kebijakan anti fraud o Anti fraud policy
o Kebijakan-kebijakan lain yang o Other policies that support the Bank's
mendukung bisnis dan aktivitas business and operational activities.
operasional Bank.
Prosedur manajemen risiko merupakan Risk management procedures are the
aturan pelaksanaan dari kebijakan implementation rules of risk management
manajemen risiko yang digunakan oleh policies used by each risk management
setiap unit pengelola risiko didalam unit in carrying out its activities.
melakukan aktivitas-aktivitasnya.
Limit Limit
Terkait dengan limit-limit risiko, Bank telah Regarding risk limits, the Bank has Risk
memiliki pedoman Risk Appetite yang Appetite guidelines that regulate the Risk
mengatur perihal Risk Appetite Threshold Appetite Threshold and Risk Tolerance,
dan Risk Tolerance, dimana hal tersebut which serve as a reference for
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menjadi acuan manajemen didalam management in setting risk limits in detail.
menetapkan limit risiko secara detail. The relevant working unit conducts an
Satuan kerja terkait melakukan evaluasi evaluation at least once a year and submits
minimal 1 (satu) tahun sekali dan the proposed limit to the Risk Management
mengajukan usulan limit kepada Bagian Section to analyze the potential risk
Manajemen Risiko untuk dilakukan analisa bankwide and then recommended to the
potensi risiko secara bankwide untuk Risk Management Committee to be
kemudian direkomendasikan kepada determined by the Board of Directors.
Komite Manajemen Risiko untuk ditetapkan
oleh Dewan Direksi.
Penetapan limit risiko Bank Mestika The determination of Bank Mestika's risk
mencakup limit per risiko, limit aktivitas limits includes limits per risk, functional
fungsional maupun limit secara activity limits and overall limits.
keseluruhan.
Bank Mestika telah menyusun Rencana Bank Mestika has prepared a Bank
Bisnis Bank yang berisi strategi Bank secara Business Plan which contains the Bank's
keseluruhan yang disusun sesuai dengan overall strategy prepared in accordance
visi dan misi dengan memperhatikan with the vision and mission by taking into
kecukupan permodalan, kemampuan account the adequacy of capital, human
sumber daya manusia, risk appetite Bank, resources capabilities, the Bank's risk
dan RBB ini dikaji ulang secara berkala dan appetite, and this RBB is reviewed
disesuaikan dengan perkembangan/ periodically and adjusted to internal and
perubahan internal maupun eksternal yang external developments/changes that
terjadi. occur.
Kecukupan proses identifikasi, pengukuran, Adequacy of risk identification, measurement,
pemantauan, dan pengendalian risiko serta monitoring, and control processes and risk
sistem informasi manajemen risiko management information systems
Proses Manajemen Risiko Bank Mestika Bank Mestika's Risk Management process
meliputi tahapan identifikasi, pengukuran, includes the stages of identification,
pemantauan dan pengendalian terhadap 8 measurement, monitoring and control of 8
(delapan) jenis risiko (risiko kredit, pasar, (eight) types of risks (credit, market, liquidity,
likuiditas, operasional, hukum, reputasi, operational, legal, reputation, strategic and
stratejik, dan kepatuhan) yang dilakukan secara compliance risks) which are carried out on an
berkesinambungan terhadap seluruh faktor ongoing basis against all material risk factors
risiko yang bersifat material dengan didukung supported by the Risk Management Information
oleh Sistem Informasi Manajemen Risiko. System.
Identifikasi Identification
Bank Mestika didalam melakukan Bank Mestika conducts risk identification by
pengidentifikasian risiko dengan analyzing all sources of risk, which is at least
menganalisis seluruh sumber risiko yang conducted on the risk of products and
paling sedikit dilakukan terhadap risiko dari activities to ensure that the risk
produk dan aktivitas untuk memastikan management process has been carried out /
bahwa proses manajemen risiko telah passed from the products and activities.
dijalankan/ dilalui dari produk dan aktivitas
tersebut.
Proses identifikasi risiko bersifat proaktif, The risk identification process is proactive,
mencakup seluruh aktivitas bisnis Bank dan covering all of the Bank's business activities
dilakukan dalam rangka menganalisis and is conducted in order to analyze the
sumber dan kemungkinan timbulnya risiko source and possibility of risk and its impact.
serta dampaknya.
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Satuan Kerja Bank (Risk Taking Unit) The Bank's RiskTaking Unit is responsible for
bertanggung-jawab melakukan identifikasi identifying and analyzing several factors
dan analisis terhadap beberapa faktor yang that can increase the Bank's risk exposure,
dapat meningkatkan eksposur risiko Bank which can quantitatively affect the Bank's
yang berpengaruh secara kuantitatif profit and capital.
kepada profit dan permodalan Bank.
Pengukuran Measurement
Pengukuran risiko digunakan sebagai acuan Risk measurement is used as a reference in
dalam melakukan pengendalian, dilakukan controlling, carried out periodically both for
secara berkala baik untuk produk dan products and portfolios and all business
portofolio maupun seluruh aktivitas bisnis. activities. Risk measurement methods are
Metode pengukuran risiko dilakukan secara carried out quantitatively and/or
kuantitatif dan/ atau kualitatif pada qualitatively on each risk and are adjusted
masing-masing risiko dan disesuaikan to the characteristics and complexity of
dengan karakteristik dan kompleksitas business activities.
kegiatan usaha.
Pengukuran risiko melalui metode stress Risk measurement through the stress
testing juga dilakukan secara berkala untuk testing method is also carried out
mengetahui potensi kerugian/ capital periodically to determine the potential
charge yang ditimbulkan pada kondisi loss/capital charge incurred in disaster
disaster tentunya dengan skenario tertentu conditions with certain predetermined
yang telah ditetapkan. scenarios.
Pemantauan Monitoring
Pemantauan risiko yang dilakukan Risk monitoring includes monitoring the
mencakup pemantauan terhadap besaran amount of exposure, risk tolerance,
eksposur, toleransi risiko, kepatuhan limit compliance with internal limits, and stress
internal, dan hasil stress testing maupun testing results as well as consistency of
konsistensi pelaksanaan dengan kebijakan implementation with established policies
dan prosedur yang ditetapkan. and procedures.
Hasil pemantauan disajikan dalam laporan Monitoring results are presented in periodic
berkala dan disampaikan kepada reports and submitted to Management for
Manajemen dalam rangka mitigasi risiko risk mitigation and necessary actions.
dan tindakan yang diperlukan.
Pengendalian Risiko Risk Control
Proses pengendalian risiko dilakukan The risk control process is carried out by
dengan memperhatikan sistem taking into account the Bank's internal
pengendalian intern Bank yang disusun control system which is prepared in
sesuai dengan ketentuan yang berlaku yang accordance with applicable regulations
bertujuan untuk mengelola risiko yang aimed at managing risks that may affect the
dapat mempengaruhi bisnis Bank. Bank's business.
Kerangka proses pengendalian risiko The risk control process framework is based
berdasarkan evaluasi atas eksposur risiko on an evaluation of the risk exposure
yang terdapat pada seluruh portofolio contained in the Bank's entire product
produk atau aktivitas Bank. portfolio or activities.
Penetapan pengendalian risiko harus The determination of risk control must
mempertimbangkan analisis potensi consider the analysis of potential financial
kerugian finansial dan kemungkinan losses and the possibility of risk events as
kejadian risiko serta pertimbangan asas well as consideration of the principles of
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manfaat dan biaya. Strategi Bank Mestika benefits and costs. Bank Mestika's
dalam melakukan pengendalian risiko, strategies in controlling risk include:
diantaranya:
o Risk Acceptance o Risk Acceptance
Accept/ penerimaan risiko dapat bearti Risk acceptance may mean that the
bahwa tingkat ekposur risiko yang level of risk exposure faced is low
dihadapi cukup rendah dan tidak enough and no mitigation is required.
dibutuhkan mitigasi. Penerimaan risiko Risk acceptance can be done if the risk
dapat dilakukan apabila eksposur risiko exposure is lower than the risk
lebih rendah dari toleransi risiko. tolerance. Risk acceptance does not
Penerimaan risiko tidak berarti tidak mean no mitigation, but action will only
melakukan mitigasi, tetapi tindakan be taken if the risk occurs because this
hanya akan dilakukan apabila risiko type of risk will cost more money and
tersebut terjadi karena tipe risiko resources in preventive action than the
tersebut akan lebih banyak effect of the loss that can occur.
menghabiskan biaya dan sumber daya
dalam tindakan pencegahannya
ketimbang dengan efek kerugian yang
dapat terjadi.
o Risk Avoidance o Risk Avoidance
Mencegah Bank mengalami kerugian Preventing the Bank from experiencing
yang tidak dapat diterima dengan tidak unacceptable losses by not conducting
melakukan aktivitas bisnis dengan business activities with the
pertimbangan eksposur risiko lebih consideration that the risk exposure is
besar dari pada keuntungan yang akan greater than the profit to be gained.
didapatkan.
o Risk Share/Transfer o Risk Share/Transfer
Merupakan strategi Bank untuk Is the Bank's strategy to transfer risk to
mengalihkan risiko kepada pihak lain other parties for the type of risk
untuk jenis risiko yang melekat pada inherent in the Bank's activities by
aktivitas Bank dengan pemanfaatan utilizing insurance services or
jasa asuransi atau jasa outsourcing. outsourcing services.
o Risk Mitigation o Risk Mitigation
Mengoptimalkan pengendalian risiko Optimizing risk control to reduce risks
guna mengurangi risiko yang mungkin that may arise by enhancing control
akan timbul dengan meningkatkan functions and improving work systems
fungsi control dan menyempurnakan and procedures.
sistem dan prosedur kerja.
Bank Mestika telah melakukan identifikasi, Bank Mestika has adequately identified,
pengukuran, pemantauan dan measured, monitored and controlled risks
pengendalian risiko sebagai bagian dari as part of the risk management
proses penerapan manajemen risiko secara implementation process, as can be seen
memadai, dapat dilihat dari: from:
o Memantau eksposur risiko secara o Monitoring the risk exposure
berkala dan berkesinambungan dengan periodically and continuously by
membandingkan risiko aktual dengan comparing the actual risk with the
limit risiko yang telah ditetapkan untuk predetermined risk limit to ensure that
memastikan eksposur risiko tetap the risk exposure is maintained in
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terjaga sesuai dengan batasan toleransi accordance with the Bank's risk
risiko Bank, tolerance limit,
o Menyampaikan laporan antara lain o Delivering reports, including the Risk
Laporan Profil Risiko dan Laporan Profile Report and Bank Health Level
Tingkat Kesehatan Bank serta laporan- Report as well as required reports to
laporan yang dibutuhkan kepada Regulators and the Board of Directors
Regulator dan Direksi secara rutin, on a regular, accurate and timely basis.
akurat dan tepat waktu.
Sistem Informasi Manajemen Risiko Risk Management Information System
Beberapa tools yang digunakan oleh Bagian Several tools used by the Risk Management
Manajemen Risiko untuk mendukung Section to support the implementation of
pelaksanaan proses manajemen risiko risk management processes in a good,
secara baik, akurat dan tepat waktu guna accurate and timely manner to support
mendukung pelaporan-pelaporan kepada reports to Regulators and Bank
Regulator maupun Manajemen Bank, Management, including:
diantaranya:
o Tools Early Warning Indicator o Early Warning Indicator Tools
Bagian manajemen risiko secara harian The risk management section conducts
melakukan pengukuran dan daily measurement and monitoring of
pemantauan terhadap indikator utama key indicators that have risk exposure.
yang memiliki eksposur risiko.
o Tools Pengukuran Inheren Risk o Inherent Risk Measurement Tools
Pengukuran risiko inheren dilakukan Inherent risk measurement is carried
secara berkala dengan melakukan out periodically by measuring and
pengukuran dan pemantauan terhadap monitoring the Bank's performance
rasio-rasio kinerja Bank secara ratios on a consolidated basis as well as
konsolidasi maupun tiap-tiap cabang each branch of Bank Mestika, and if
Bank Mestika, dan jika terdapat there is a limit exceedance, it will be
pelampauan limit akan dilaporkan reported to the Board of Directors and
kepada Direksi dan Dewan Komisaris Board of Commissioners for discussion
guna dilakukan pembahasan terkait regarding the required risk control.
pengendalian risiko yang dibutuhkan.
o Tools Risk Self Assessment o Risk Self Assessment Tools
Digunakan oleh seluruh unit kerja dan Used by all working units and branches
cabang Bank Mestika untuk melakukan of Bank Mestika to identify, measure,
identifikasi, pengukuran, pemantauan monitor and control risks that are
dan pengendalian terhadap risiko-risiko considered likely to occur. This tool is a
yang dianggap mungkin dapat terjadi. means to instill risk culture and increase
Tools ini sebagai sarana untuk risk awareness to all members of Bank
menanamkan risk culture (budaya Mestika's organization to always
mengelola risiko) dan meningkatkan manage risk properly and prioritize
risk awareness kepada seluruh anggota prudential principles.
organisasi Bank Mestika untuk selalu
melakukan pengelolaan risiko secara
baik dan mengedepankan prinsip
kehati-hatian.
Dari sistem informasi manajemen risiko From the risk management information
yang telah dilakukan terdapat beberapa system that has been carried out, there are
laporan yang dihasilkan dan dilaporkan oleh several reports generated and reported by
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Bagian Manajemen Risiko kepada the Risk Management Section to the
Regulator,diantaranya: Regulator, including:
o Laporan Profil Risiko o Risk Profile Report
Bank Mestika menyampaikan Laporan Bank Mestika submits the Risk Profile
Profil Risiko kepada Otoritas Jasa Report to the Financial Services
Keuangan secara triwulanan untuk Authority on a quarterly basis for the
posisi bulan Maret, Juni, September position of March, June, September and
dan Desember, yang disajikan secara December, which is presented
komparatif dengan posisi triwulan comparatively with the position of the
sebelumnya. previous quarter.
Penyusunan Laporan Profil Risiko The preparation of the Risk Profile
merupakan salah satu hasil sistem Report is one of the results of the Risk
informasi Manajemen Risiko, penilaian Management information system, the
dilakukan pada seluruh aktivitas bisnis assessment is carried out on all business
Bank baik berupa aktivitas bisnis utama activities of the Bank both in the form of
maupun aktivitas penunjang yang main business activities and supporting
mencakup 8 (delapan) risiko yaitu activities covering 8 (eight) risks namely
Risiko Kredit, Pasar, Likuiditas, Credit, Market, Liquidity, Operational,
Operasional, Hukum, Reputasi, Stratejik Legal, Reputation, Strategic and
dan Kepatuhan. Compliance Risks.
Laporan Profil Risiko didistribusikan The Risk Profile Report is distributed to
kepada Dewan Komisaris, Presiden the Board of Commissioners, President
Direktur, Direktur Kepatuhan, Ketua Director, Compliance Director,
Komite Manajemen Risiko dan Otoritas Chairman of the Risk Management
Jasa Keuangan. Committee and the Financial Services
Authority.
o Laporan Tingkat Kesehatan Bank o Bank Health Level Report
Laporan Tingkat Kesehatan Bank The Bank's Health Level Report is
disusun tiap semesteran yaitu posisi prepared semi-annually, i.e. June &
data bulan Juni & Desember, dan December data position, and
distribusikan kepada Dewan Komisaris, distributed to the Board of
Presiden Direktur, Direktur Kepatuhan, Commissioners, President Director,
Ketua Komite Manajemen Risiko dan Compliance Director, Chairman of the
Otoritas Jasa Keuangan. Risk Management Committee and the
Penilaian tingkat kesehatan Bank Financial Services Authority.
menggunakan pendekatan risiko (risk- The assessment of the Bank's soundness
based Bank Rating/RBBR) dengan level uses a risk-based bank rating
cakupan penilaian meliputi faktor- (RBBR) approach with the scope of the
faktor profil risiko (risk profile),Good assessment including risk profile, good
Corporate Governance (GCG), corporate governance (GCG),
rentabilitas (earnings) dan permodalan profitability (earnings) and capital
(capital) untuk menghasilkan peringkat factors to produce a composite rating of
komposit tingkat kesehatan Bank. the Bank's soundness level.
Stress Test Stress Test
Bank Mestika secara berkala dan Bank Mestika periodically and continuously
berkelanjutan melakukan stress test conducts stress tests with various scenarios.
dengan berbagai skenario. Secara umum, In general, scenarios in the implementation
skenario dalam pelaksanaan stress test of stress tests consider several
mempertimbangkan beberapa kondisi macroeconomic conditions such as interest
makro ekonomi seperti suku bunga dan nilai rates and exchange rates. The method used
tukar. Metode yang digunakan dalam in conducting stress tests is based on
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melakukan stress test berdasarkan pada historical data, in order to measure the
historical data, guna mengukur dampak impact of risk on the level of NPL, liquidity
risiko terhadap tingkat NPL, likuiditas dan and capital of the Bank.
permodalan Bank.
Hasil stress test yang dilakukan selama The results of the stress tests conducted
tahun 2024 untuk risiko kredit, pasar dan during 2024 for credit, market and liquidity
likuiditas menunjukkan Bank dapat risks show that the Bank can anticipate
mengantisipasi potensi risiko dengan potential risks with strong capitalization and
permodalan yang cukup kuat dan likuiditas good liquidity.
Bank yang baik.
Jenis Risiko dan cara Pengelolaan Types Of Risks and Management Methods
Risiko Kredit Credit Risk
Risiko kredit adalah risiko kerugian akibat Credit risk is the risk of loss due to the failure
kegagalan pihak lain dalam memenuhi of other parties to fulfill their obligations to
kewajibannya kepada Bank, termasuk risiko the Bank, including credit risk due to debtor
kredit akibat kegagalan debitur, risiko kredit failure, credit risk due to concentrated
akibat terkonsentrasinya penyediaan dana provision of funds (credit concentration
(risiko konsentrasi kredit), risiko kredit risk), credit risk due to counterparty failure
akibat kegagalan pihak lawan (counterparty (counterparty credit risk), credit risk due to
credit risk), risiko kredit akibat kegagalan settlement failure (settlement risk) and
settlement (settlement risk) dan risiko credit risk due to country risk and transfer
kredit akibat country risk dan transfer risk. risk.
Risiko kredit terbesar Bank Mestika Bank Mestika's biggest credit risk comes
bersumber dari pemberian pinjaman from lending to third parties. Bank Mestika
kepada pihak ketiga. Bank Mestika hingga is currently not exposed to country risk and
saat ini tidak terekspos country risk dan transfer risk because all lending conducted
transfer risk karena seluruh penyaluran by Bank Mestika in accordance with the
kredit yang dilakukan oleh Bank Mestika Credit Product Guidelines covers individuals
sesuai pengaturan Pedoman Produk Kredit with the criteria of Indonesian citizens and
mencakup perorangan dengan kriteria for Business Entities with the criteria of
warga negara Indonesia dan untuk Badan being registered in Indonesia, in the form of
Usaha dengan kriteria terdaftar di Limited Liability Company / CV / FFA / UD /
Indonesia, berbentuk Perseroan Terbatas/ PD so that it is not affected by the exposure
CV/FA/ UD/PD sehingga tidak terdampak of foreign parties abroad.
pada eksposur pihak asing di luar negeri.
Pengelolaan Risiko Kredit Credit Risk Management
Seiring dengan membaiknya perekonomian Along with the improvement in the global
global dan domestik pasca COVID-19, and domestic economy after COVID-19, it
memberi dampak positif terhadap kinerja has a positive impact on the performance
dan kualitas kredit Bank Mestika di tahun and quality of Bank Mestika's credit in 2024,
2024 ini, hal ini sejalan dengan strategi Bank this is in line with the Bank's strategy to
untuk mendorong pertumbuhan kredit encourage prudent credit growth with
yang prudent dengan pencapaian yang continuously improving achievements. At
terus membaik. Pada posisi akhir tahun the end of December 2024, the realization
Desember 2024, realisasi pertumbuhan of Bank Mestika's credit growth reached
kredit Bank Mestika mencapai 15,33% 15.33% (yoy), an increase compared to the
(yoy), meningkat dibandingkan dengan credit growth in 2023 period of 6.30% (yoy).
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pertumbuhan kredit pada periode 2023
6,30% (yoy).
Kualitas kredit Bank juga terus membaik The Bank's credit quality also continued to
sepanjang periode 2024 dan menunjukkan improve throughout the 2024 period and
adanya penurunan rasio kredit bermasalah showed a gradual decline in the ratio of
(NPL Gross) secara bertahap yang didorong non-performing loans (Gross NPL) driven by
oleh penerapan manajemen risiko dalam the implementation of risk management in
penyaluran dan pemantauan kredit, terlihat credit distribution and monitoring, as seen
dari rasio NPL Gross Bank Mestika pada from Bank Mestika's Gross NPL ratio in
posisi Desember 2024 tercatat rendah December 2024 position was recorded at a
0,66%, jauh lebih baik dibandingkan low 0.66%, much better than the December
periode Desember 2023 yang berada pada 2023 period which was at 1.37%.
posisi 1,37%.
Eksposur kredit Bank Mestika juga terlihat Bank Mestika's credit exposure has also
membaik, diukur dari rasio kredit kualitas improved, as measured by the ratio of low
rendah (LaR/Loan at Risk) untuk quality loans (LaR/Loan at Risk) to reflect a
menggambarkan cakupan risiko kredit yang wider credit risk coverage. As of December
lebih luas. Pada posisi Desember 2024 2024, it was 5.99%, down from 7.92% in
sebesar 5,99% menurun dibandingkan December 2023. The improvement in the
dengan Desember 2023 7,92%. Perbaikan LaR ratio was supported by a decrease in
rasio LaR ini di dukung oleh penurunan restructured loans in line with the recovery
kredit restrukturisasi sejalan dengan of debtors' business activities after COVID-
pulihnya aktivitas bisnis debitur pasca 19.
COVID-19.
Bank Mestika dalam meningkatkan credit Bank Mestika in improving a better credit
risk culture yang lebih baik menerapkan risk culture implements a more prudent,
pelaksanaan proses kredit yang lebih measurable credit process with consistent
prudent, terukur dengan pemantauan yang monitoring, which is carried out by:
konsisten, yang dilakukan dengan:
o Menetapkan Risk Appetite Threshold o Establishing Risk Appetite Threshold
dan Risk Tolerance guna menjaga and Risk Tolerance to keep the Bank's
ekspansi bisnis Bank lebih selektif dan business expansion more selective and
berkualitas. Hal ini dimaksudkan agar qualified. This is intended so that the
Bank dalam melakukan ekspansi tetap Bank in expanding still maintains its
menjaga kualitas kreditnya dan tidak credit quality and is not concentrated in
terkonsentrasi pada sektor-sektor certain sectors only.
tertentu saja.
o Melakukan pemantauan secara harian o Conduct daily monitoring through early
melalui tools early warning indicator warning indicator tools developed by
yang dikembangkan oleh Bagian the Risk Management Section, which
Manajemen Risiko, yang dapat can monitor the Bank's credit quality.
melakukan monitoring kualitas kredit
Bank.
o Meningkatkan upaya penagihan dan o Increase collection efforts and provide
pemberian restrukturisasi bagi debitur- restructuring for debtors who are
debitur yang dinilai masih memiliki considered to still have the ability to
kemampuan membayar, yang pay, which is carried out by the Bank's
dilakukan oleh Bagian Remedial Bank, Remedial Section, in order to accelerate
guna mempercepat perbaikan kinerja the improvement of the performance of
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debitur yang berpotensi bermasalah potentially problematic debtors and
serta dapat memitigasi potensi risiko. mitigate potential risks.
o Melakukan pelatihan-pelatihan kepada o Conduct regular and in-depth trainings
marketing-marketing Bank Mestika for Bank Mestika's marketers to
secara berkala dan mendalam guna improve their knowledge and skills as
meningkatkan pengetahuan dan well as to build risk culture.
kemampuan serta membangun risk
culture.
Tata Kelola dan Organisasi Risiko Kredit Credit Risk Governance and Organization
Direksi dan Dewan Komisaris Bank Mestika The Board of Directors and Board of
dalam menerapkan manajemen risiko Commissioners of Bank Mestika in
kredit senantiasa melakukan pengawasan implementing credit risk management
pada seluruh aktivitas penyediaan dana always supervise all activities of providing
yang dilakukan sesuai dengan strategi dan funds in accordance with the Bank's credit
kebijakan risiko kredit Bank. risk strategy and policies.
Dalam mengelola risiko kredit, Bank In managing credit risk, Bank Mestika has
Mestika memiliki organisasi yang an organization responsible for managing
bertanggung jawab untuk mengeloal risiko credit risk, which consists of:
kredit, yang terdiri dari:
o Unit Bisnis o Business Unit
Unit yang melaksanakan aktivitas The unit that carries out fund
penyaluran dana (Marketing) yang disbursement activities (Marketing)
terdapat pada setiap kantor located in each operational office of
operasional Bank Mestika serta Bank Mestika and conducts an initial
melakukan survey awal terhadap calon survey of prospective customers
nasabah penerima dana. receiving funds.
o Divisi Kredit o Credit Division
Divisi Kredit bertugas untuk melakukan The Credit Division is in charge of
review terhadap proposal kredit yang reviewing credit proposals submitted
diajukan sebelum dilanjutkan kepada before proceeding to the Credit
Komite Kredit. Committee.
o Remedial o Remedial
Bagian remedial melakukan The remedial division handles and
penanganan dan pemulihan terhadap recovers non-performing loans.
kredit bermasalah.
o Satuan Kerja Kepatuhan o Compliance Unit
SKK melakukan complaince review atas SKK conducts a complaint review of the
proses pemberian kredit khususnya credit granting process, especially in
dalam hal legalitas usaha, KPMM, terms of business legality, CAR, LLL, and
BMPK, dan konsentrasi kredit. credit concentration.
o Komite Kredit o Credit Committee
Memberikan persetujuan atau Approves or rejects loans in accordance
penolakan kredit sesuai dengan batas with predetermined authority limits.
wewenang yang telah ditentukan.
o Bagian Manajemen Risiko o Risk Management Section
Bagian Manajemen Risiko melakukan The Risk Management Section monitors
pemantauan dan analisa terhadap and analyzes credit risk management
pengelolaan Risiko Kredit secara on a regular basis.
berkala.
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o Komite Kebijakan Perkreditan o Credit Policy Committee
Membantu Direksi dalam merumuskan Assists the Board of Directors in
kebijakan, mengawasi pelaksanaan formulating policies, overseeing the
kebijakan, memantau perkembangan implementation of policies, monitoring
dan kondisi portofolio perkreditan serta the development and condition of the
memberikan saran-saran langkah credit portfolio and providing
perbaikan. suggestions for corrective measures.
Proses persetujuan kredit pada Bank The credit approval process at Bank Mestika
Mestika menerapkan konsep four eyes applies the concept of four eyes principles,
principles, dimana proses persetujuan where the credit approval process is carried
kredit yang dilakukan melalui Komite Kredit, out through the Credit Committee, which is
yaitu forum Bersama pejabat pemutus a forum with the proposed credit decision
kredit yang diusulkan sesuai dengan limit maker in accordance with the established
yang ditetapkan. limit.
Kebijakan dan Prosedur Policies and Procedures
Penetapan kebijakan dan prosedur The establishment of credit risk
manajemen risiko kredit antara lain management policies and procedures,
ditujukan untuk mendukung pemberian among others, is aimed at supporting sound
kredit yang sehat, mengidentifikasi dan lending, identifying and handling non-
menangani kredit bermasalah serta performing loans and monitoring and
memantau dan mengendalikan risiko controlling credit risk.
kredit.
Kebijakan wajib memuat informasi yang The policy shall contain information
dibutuhkan dalam pemberian kredit yang required for sound lending, which includes:
sehat, yakni meliputi :
o Tujuan kredit dan sumber pembayaran. o Purpose of credit and source of
o Profil risiko debitur dan mitigasinya payment.
serta tingkat sensitivitas terhadap o The risk profile of the debtor and its
perkembangan kondisi ekonomi dan mitigation as well as the level of
pasar. sensitivity to developments in economic
and market conditions.
o Kemampuan untuk membayar kembali. o Ability to repay.
o Kemampuan bisnis dan kondisi o Business capability and condition of the
lapangan usaha debitur serta posisi debtor's business field as well as the
debitur dalam industri tertentu. debtor's position in a particular
o Persyaratan kredit yang diajukan industry.
termasuk perjanjian yang dirancang o The proposed credit terms including
untuk mengantisipasi perubahan covenants designed to anticipate future
eksposur risiko debitur di waktu yang changes in the debtor's risk exposure.
akan datang.
o Jenis, kriteria dan penilaian kelayakan o Types, criteria and assessment of
agunan. collateral eligibility.
Pengimplementasian kebijakan dan Proper implementation of policies and
prosedur secara tepat, diharapkan dapat: procedures is expected to:
o Mendukung penyediaan dana yang o Support the provision of healthy funds.
sehat.
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o Memantau dan mengendalikan Risiko o Monitor and control Credit Risk,
Kredit, termasuk risiko konsentrasi including credit concentration risk.
kredit.
o Melakukan evaluasi secara benar dalam o Conduct proper evaluation in utilizing
memanfaatkan peluang usaha yang new business opportunities.
baru.
o Mengidentifikasi dan menangani kredit o Identify and handle non-performing
bermasalah. loans.
Risiko Pasar Market Risk
Risiko pasar adalah risiko pada posisi neraca Market risk is the risk to balance sheet and
dan rekening administratif, termasuk administrative account positions, including
transaksi derivatif, akibat perubahan secara derivative transactions, from overall changes
keseluruhan dari kondisi pasar, termasuk in market conditions, including the risk of
risiko perubahan harga option. changes in option prices.
Risiko pasar yang dihadapi oleh Bank Market risk faced by Bank Mestika includes
Mestika mencakup risiko nilai tukar dan exchange rate risk and interest rate risk
risiko suku bunga yang terkait dengan associated with the Banking Book. Until now,
Banking Book. Hingga saat ini Bank Mestika Bank Mestika has not conducted any trading
belum melakukan aktivitas trading sehingga activities, therefore there is no risk of loss
Bank tidak terdapat risiko kerugian yang resulting from trading activities.
diakibatkan dari aktivitas trading.
Pengelolaan Risiko Pasar Market Risk Management
Risiko pasar banking book merupakan risiko Banking book market risk is the risk arising
yang muncul karena terjadi perubahan suku from changes in interest rates and exchange
bunga dan nilai tukar atas aktivitas banking rates on banking book activities that may
book yang dapat berpengaruh pada affect the Bank's profitability and capital.
profitabilitas bank dan modal Bank. Banking book market risk management is
Pengelolaan risiko pasar banking book carried out by setting limits that refer to
dilakukan dengan menetapkan limit yang internal provisions and applicable laws and
mengacu pada ketentuan internal dan regulations and monitored by the relevant
ketentuan perundang-undangan yang work units.
berlaku dan dipantau oleh unit kerja terkait.
Ditengah fluktuasi nilai tukar Rupiah Amid fluctuations in the Rupiah exchange rate
terhadap valuta asing akibat tekanan against foreign currencies due to global
ekonomi global, Bank Mestika mengelola economic pressures, Bank Mestika manages
risiko terkait eksposur valuta asing dengan risks related to foreign exchange exposure by
menjaga Posisi Devisa Neto (PDN) secara maintaining a conservative Net Open Position
konservatif. Pada Desember 2024, PDN (NOP). As of December 2024, Bank Mestika's
Bank Mestika 0,25%, jauh dibawah batas NOP was 0.25%, well below the maximum
maksimum sebesar 20% yang diterapkan limit of 20% imposed by the Regulator.
oleh Regulator.
Pemantauan terhadap transaksi-transaksi Monitoring of foreign exchange transactions
valuta asing juga dilakukan secara harian, is also carried out on a daily basis, in order to
agar sesuai dengan ketentuan dan comply with the Bank's internal regulations
kebijakan internal Bank terkait dengan and policies related to the determination of
penetapan limit transaksi valuta asing. foreign exchange transaction limits.
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Perhitungan ATMR untuk Risiko Pasar yang RWA calculation for Market Risk which is part
merupakan bagian dari pelaporan of the Minimum Capital Adequacy reporting,
Kewajiban Penyediaan Modal Minimum, based on SEOJK No.23/SEOJK.03/2022 which
berdasarkan SEOJK No.23/SEOJK.03/2022 has been implemented by Bank Mestika in
yang telah mulai diimplementasikan Bank January 2024 data reporting.
Mestika pada pelaporan data Januari 2024.
Tata Kelola dan Organisasi Risiko Pasar Market Risk Governance and Organization
Manajemen Risiko Pasar dilakukan untuk Market Risk Management is conducted to
meminimalkan kemungkinan dampak minimize the possibility of negative impacts
negatif akibat perubahan kondisi pasar due to changes in market conditions (market
(variabel pasar) terhadap aset dan variables) on assets and capital.
permodalan. Active supervision of the Board of Directors
Pengawasan aktif Direksi dan Dewan and Board of Commissioners in the
Komisaris dalam penerapan Manajemen implementation of Market Risk Management
Risiko Pasar mencakup : includes:
o Memastikan bahwa Manajemen Risiko o Ensuring that Market Risk Management
Pasar untuk posisi banking book for banking book positions becomes an
menjadi bagian yang tidak terpisahkan integral part of the overall asset and
dalam kebijakan manajemen aset dan liability management (ALMA) policy.
kewajiban (ALMA) secara keseluruhan.
o Direksi dan Komisaris ikut aktif dalam o Boards of Directors and Commissioners
penyusunan maupun persetujuan actively participate in the preparation and
dalam perumusan dan pengkinian approval of the formulation and updating
kebijakan & strategi Manajemen Risiko of Risk Management policies & strategies
termasuk limit Risiko Pasar. including Market Risk limits.
Pengelolaan risiko pasar dilakukan oleh unit Market risk management is carried out by
kerja dengan menerapkan prinsip working units by applying the principle of
segregation of duties yaitu pemisahan segregation of duties, namely the separation
fungsi dan tanggung jawab yang terdiri dari of functions and responsibilities consisting of
front office, middle office dan back office. front office, middle office and back office.
Dalam mengelola Risiko Pasar, Bank In managing Market Risk, Bank Mestika has
Mestika memiliki organisasi yang an organization responsible for handling
bertanggung jawab untuk menangani Risiko Market Risk which consists of:
Pasar yang terdiri dari:
o Unit Bisnis o Business Unit
Unit Bisnis yaitu bagian treasury The Business Unit, namely the treasury
melakukan monitoring tingkat suku department, monitors interest rates and
bunga dan nilai tukar secara harian, exchange rates on a daily basis, and
serta memonitoring tingkat PDN (Posisi monitors the level of NDP (Net Open
Devisa Neto) setiap saat. Position) at any time.
o Bagian Manajemen Risiko o Risk Management Section
Bagian Manajemen Risiko melakukan The Risk Management Section monitors
pemantauan dan analisis terhadap and analyzes the management of Market
pengelolaan Risiko Pasar secara berkala Risk on a regular basis and calculates the
serta melakukan perhitungan limit limit of inter-institutional bond
transaksi obligasi antar institusi. transactions.
o ALCO (Asset and Liability Committee) o ALCO (Asset and Liability Committee)
ALCO sebagai komite yang membahas ALCO as a committee that discusses
kondisi pasar, melakukan perhitungan market conditions, calculates the cost of
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biaya dana dan Net Interest Margin funds and Net Interest Margin to be
yang akan diambil. taken.
Risiko Likuiditas Liquidity Risk
Risiko yang disebabkan oleh Risk caused by the Bank's inability to meet
ketidakmampuan Bank untuk memenuhi maturing obligations from cash flow
kewajiban yang jatuh tempo dari sumber funding sources and/or from high quality
pendanaan arus kas dan/ atau dari aset liquid assets that can be collateralized,
likuid berkualitas tinggi yang dapat without disrupting the Bank's activities and
diagunkan, tanpa mengganggu aktivitas dan financial condition.
kondisi keuangan Bank.
Pengelolaan Risiko Likuiditas Liquidity Risk Management
Bank Mestika sangat mementingkan Bank Mestika places great importance on
penjagaan kecukupan likuiditas dalam maintaining adequate liquidity in fulfilling
memenuhi komitmennya kepada para its commitments to customers and other
nasabah dan pihak lainnya, baik dalam parties, both in the context of providing
rangka pemberian kredit, pembayaran credit, repayment of customer deposits, and
kembali simpanan nasabah, maupun untuk for liquidity needs.
kebutuhan likuiditas.
Bank Mestika melakukan pengelolaan risiko Bank Mestika manages liquidity risk by
likuiditas dengan mengukur besarnya risiko measuring the amount of liquidity risk faced
likuiditas yang dihadapi Bank menggunakan by the Bank using several indicators,
beberapa indikator, antara lain AL/NCD, including AL/NCD, LDR, LCR and NSFR.
LDR, LCR dan NSFR. The Bank also maintains its Rupiah and
Bank juga senantiasa menjaga likuiditas Foreign Exchange liquidity (Statutory
Rupiah dan Valuta Asing (Giro Wajib Reserves) in accordance with Bank
Minimum) sesuai dengan ketentuan Bank Indonesia's regulations both on a daily basis
Indonesia baik secara harian maupun and on an average basis for a certain
secara rata-rata untuk masa laporan reporting period.
tertentu.
Rasio LCR dan NSFR ini merupakan rasio The LCR and NSFR ratios are new ratios
yang baru diperhitungkan oleh Bank calculated by Bank Mestika in December
Mestika pada Desember 2024 dan 2024 and officially reported to OJK, which
dilaporkan secara resmi kepada OJK, yang previously Bank Mestika only submitted at
sebelumnya Bank Mestika hanya the trial stage.
menyampaikan pada tahap uji coba saja.
Dalam rangka mengelola risiko likuiditas In order to manage liquidity risk in a
secara terukur dan komprehensif, Bank measured and comprehensive manner,
Mestika menerapkan strategi antara lain: Bank Mestika implements strategies,
o Menetapkan limit-limit transaksi dalam among others:
rangka menjaga likuiditas Bank yang o Establishing transaction limits in order
mengacu pada ketentuan internal dan to maintain the Bank's liquidity which
ketentuan Regulator yang berlaku. refers to internal regulations and
o Melakukan stress testing risiko applicable regulatory requirements.
likuiditas secara berkala untuk o Conducting periodic liquidity risk stress
mengetahui dampak perubahan faktor testing to determine the impact of
internal maupun eksternal terhadap changes in internal and external factors
kondisi likuiditas Bank. on the Bank's liquidity condition.
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o Melakukan monitoring terhadap rasio- o Monitoring the ratios related to the
rasio terkait dengan kecukupan Bank's liquidity adequacy.
likuiditas Bank.
Rasio Kecukupan Likuiditas Liquidity Adequacy Ratio
Kecukupan likuiditas Bank Mestika dalam In terms of repayment of customer deposits,
hal pembayaran kembali simpanan it can be seen in the AL/NCD ratio, which is
nasabah, dapat dilihat pada rasio AL/NCD a comparison between liquid assets owned
yang merupakan perbandingan antara aset by the Bank and deposits with a nominal
likuid yang dimiliki oleh Bank dengan dana value above Rp.2 billion, which is considered
DPK dengan nominal diatas Rp.2 Miliar,- sensitive to changes in deposit interest
yang dianggap sensitif akan perubahan suku rates, the Bank's AL/NCD ratio in December
bunga simpanan, rasio AL/NCD Bank pada 2024 amounted to 131.41%, far above the
Desember 2024 sebesar 131,41%, jauh regulatory requirement of 50%.
diatas ketentuan Regulator yaitu 50%.
Pengelolaan likuiditas jangka pendek Bank The Bank's short-term liquidity
dengan memantau rasio Liquidity Coverage management by monitoring the Liquidity
Ratio (LCR) yang terdiri dari High Quality Coverage Ratio (LCR) ratio consisting of
Liquid Asset (HQLA) yang memadai untuk High Quality Liquid Asset (HQLA) is
memenuhi kebutuhan likuiditas Bank adequate to meet the Bank's liquidity needs
selama periode 30 (tiga puluh) hari kedepan over a period of 30 (thirty) days ahead in a
dalam skenario stress, sehingga Bank dapat stress scenario, so that the Bank can
mempertahankan rasio LCR diatas 100% maintain the LCR ratio above 100% in
sesaui dengan ketentuan Regulator yang accordance with the applicable regulatory
berlaku, pada posisi Desember 2024, rasio requirements, as of December 2024, Bank
LCR Bank Mestika berada pada posisi Mestika's LCR ratio is at 418.61%.
418,61%.
Selain rasio LCR, untuk mengelola In addition to the LCR ratio, to manage long-
ketahanan likuiditas jangka panjang Bank term liquidity resilience Bank Mestika also
Mestika juga melakukan pengelolaan rasio manages the Net Stable Funding Ratio
Net Stable Funding Ratio (NSFR) dengan (NSFR) ratio by maintaining stable funds to
memelihara dana stabil untuk mendanai fund stable assets, which is at 160.65% as of
aset yang stabil, yang berada pada posisi December 2024.
160,65% pada Desember 2024.
Rasio LDR adalah rasio perbandingan antara LDR ratio is the ratio of loans to third party
kredit yang diberikan terhadap dana pihak funds. As of December 2024, Bank Mestika's
ketiga. Per Desember 2024, LDR Bank LDR was 105.28% which is in line with the
Mestika sebesar 105,28% sejalan dengan Bank's strategy for business growth by
strategi Bank untuk pertumbuhan bisnis increasing the intermediary function by
Bank dengan meningkatkan fungsi lending.
intermediasi dengan penyaluran kredit.
Risiko Operasional Operational Risk
Risiko operasional terjadi karena adanya Operational risk occurs due to inadequate
ketidakcukupan atau tidak berfungsinya or malfunctioning internal processes,
proses internal, kesalahan manusia, human error, system failure, or external
kegagalan sistem, atau adanya gangguan disruptions that affect the Bank's
eksternal yang mempengaruhi operasional operations.
Bank.
Risiko operasional merupakan risiko yang Operational risk is an inherent risk in every
melekat pada setiap aktivitas proses bisnis business process and operational activity
dan operasional yang dijalankan Bank carried out by the Bank so that operational
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sehingga risiko operasional dianggap risk is considered to be a very important risk
menjadi risiko yang sangat penting untuk to manage because it can trigger other
dikelola karena dapat memicu terjadinya risks.
risiko lainnya.
Pengelolaan Risiko Operasional Operational Risk Management
Dengan meningkatnya keragaman dan With the increasing diversity and complexity
kompleksitas produk serta aktivitas of banking products and activities offered to
perbankan yang ditawarkan kepada customers, the rapid development of
nasabah, perkembangan sistem dan supporting systems and technology, as well
teknologi pendukung yang sangat cepat, as increasing customer expectations for
serta meningkatnya ekspektasi nasabah services provided by the Bank, operational
akan pelayanan yang diberikan oleh Bank, risk management is very important.
maka pengelolaan risiko operasional
menjadi hal yang sangat penting.
Pengelolaan pada risiko operasional Management of operational risk is carried
dilakukan dengan tujuan meminimalkan out with the aim of minimizing losses from
kerugian dampak negatif dari the negative impact of inadequate and or
ketidakcukupan dan atau tidak malfunctioning internal processes, human
berfungsinya proses internal, kesalahan error, system failure and or external events.
manusia, kegagalan sistem dan atau Operational risk management is constantly
kejadian eksternal. Manajemen risiko developed in order to adapt to the
operasional senantiasi dikembangkan agar constantly changing business environment
dapat beradaptasi dengan lingkungan bisnis and minimize the risks faced by the Bank.
yang terus menerus berubah dan
meminimalkan risiko yang dihadapi oleh
Bank.
Pengukuran risiko dilakukan dalam rangka Risk measurement is carried out in order to
mengetahui perkembangan dan besarnya determine the development and magnitude
eksposur risiko operasional sebagai acuan of operational risk exposure as a reference
untuk melakukan pengendalian serta untuk for control and for the purpose of
keperluan perhitungan kewajiban calculating the minimum capital
penyediaan modal minimum. Dalam rangka requirement. In order to calculate the
perhitungan beban modal dan ATMR risiko capital charge and RWA of operational risk,
operasional, Bank Mestika Bank Mestika implements SEOJK
mengimplementasikan SEOJK No.6/SEOJK.03/2020 concerning the
No.6/SEOJK.03/2020 tentang Perhitungan Calculation of Risk Weighted Assets for
Aset Tertimbang Menurut Risiko utuk Risiko Operational Risk Using the Standardized
Operasional dengan Menggunakan Approach for Commercial Banks.
Pendekatan Standar Bagi Bank Umum.
Pelaksanaan proses manajemen risiko The implementation of operational risk
operasional di setiap unit kerja, kantor management process in each working unit,
cabang maupun kantor cabang pembantu branch office and sub-branch office of Bank
Bank Mestika menggunakan beberapa Mestika utilizes several methods that are
metode yang digunakan sebagai sarana used as a means to identify risks and assess
untuk mengidentifikasi risiko dan menilai operational risk exposure so as to determine
eksposur risiko operasional sehingga dapat effective mitigation and improve the quality
menentukan mitigasi yang efektif dan of business and operational activities, the
melakukan perbaikan kualitas aktivitas methods consist of:
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bisnis dan operasional, metode tersebut
terdiri dari:
o Risk Self Assessment o Risk Self Assessment
Metode yang bersifat kualitatif dan A qualitative and predictive method
prediktif yang digunakan oleh setiap used by each work unit, branch office
unit kerja, kantor cabang dan kantor and sub-branch office to identify and
cabang pembantu untuk measure risks by assessing the impact
mengidentifikasi dan mengukur risiko and likelihood of occurrence.
dengan menilai dampak dan
kemungkinan terjadi.
o Loss Event Database o Loss Event Database
Metode yang digunakan untuk A method used to record operational
melakukan pencatatan kerugian losses used in calculating operational
operasional yang digunakan dalam loss expenses and is one of the
menghitung beban kerugian components of the calculation of
operasional dan merupakan salah satu operational risk RWA.
komponen atas perhitungan ATMR
risiko operasional.
Selain itu, untuk menjaga keamanan siber In addition, to maintain cyber security and
dan dalam rangka meningkatkan risk in order to improve risk culture and risk
culture dan risk awareness, Bagian IT awareness, Bank Mestika's IT Security
Security Bank Mestika secara Department continuously conducts security
berkesinambungan melakukan sosialisasi awareness socialization which must be
security awareness yang wajib diikuti oleh attended by all Bank Mestika officials and
seluruh pejabat dan pegawai Bank Mestika. employees.
Risiko Hukum Legal Risk
Risiko akibat tuntutan hukum dan/ atau Risk due to lawsuits and / or weaknesses in
kelemahan aspek yuridis. Risiko hukum juridical aspects. Legal risk may originate,
dapat bersumber antara lain dari among others, from the weakness of
kelemahan aspek yuridis yang disebabkan juridical aspects caused by the weakness of
oleh lemahnya perikatan yang dilakukan the agreements entered into by Bank
oleh Bank Mestika, ketiadaan dan/ atau Mestika, the absence and / or changes in
perubahan perubahan peraturan laws and regulations, and the litigation
perundang-undangan, dan proses litigasi process both arising from third party claims
baik yang timbul dari gugatan pihak ketiga against Bank Mestika and Bank Mestika
terhadap Bank Mestika maupun Bank against third parties.
Mestika terhadap pihak ketiga.
Pengelolaan Risiko Hukum Legal Risk Management
Manajemen risiko hukum dilakukan oleh Legal risk management is conducted by the
Bagian Legal dibawah pengawasan aktif Legal Department under the active
Direktur Kepatuhan Bank Mestika. Dalam supervision of the Compliance Director of
melakukan pengelolaan risiko hukum, Bank Mestika. In managing legal risk, the
Bagian Legal berfungsi sebagai legal watch Legal Department functions as a legal
yang menyediakan analisis/ nasihat hukum watch that provides legal analysis/advice to
kepada setiap jenjang organisasi untuk every level of the organization to minimize
meminimalkan kemungkinan dampak the possibility of negative impacts from
negatif dari kelemahan aspek yuridis, weaknesses in juridical aspects, absence
ketiadaan dan/ atau perubahan peraturan and/or changes in laws and regulations and
perundangan-undangan dan proses litigasi. litigation processes. In managing legal risk,
Dalam pengelolaan risiko hukum Bagian the Legal Department works closely with
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Legal bekerja sama dengan Bagian the Risk Management Department in
Manajemen Risiko dalam melakukan assessing and monitoring the
penilaian dan pemantauan implementasi implementation of legal risk management
manajemen risiko hukum secara berkala. on a regular basis.
Pengukuran risiko hukum diukur Legal risk measurement is measured based
berdasarkan inheren risk atas kasus-kasus on inherent risk of legal cases that are in
hukum yang sedang dalam proses. process. The parameters used in calculating
Parameter yang digunakan dalam potential losses on ongoing cases are based
menghitung potensi kerugian atas kasus on the lawsuit received, the value of the
yang sedang berjalan adalah berdasarkan case, and the costs incurred for the
gugatan yang diterima, nilai perkara, dan settlement of the legal case. Measurement
biaya-biaya yang dikeluarkan untuk is also carried out on weaknesses from the
penyelesaian kasus hukum tersebut. juridical aspect such as the absence of
Pengukuran juga dilakukan pada kelemahan supporting laws and regulations,
dari aspek yuridis seperti ketiadaan weaknesses in engagement such as non-
peraturan perundang-undangan yang fulfillment of the legal requirements of the
mendukung, kelemahan perikatan seperti contract or inappropriate collateral
tidak terpenuhinya syarat sah kontrak atau arrangements.
pengingakatn agunan yang tidak sesuai.
Pengelolaan kasus-kasus hukum yang The management of legal cases that occur
terjadi dilakukan oleh Bagian Legal Bank is carried out by the Legal Department of
Mestika dengan melakukan monitoring dan Bank Mestika by monitoring and analyzing
menganalisis perkara yang sedang dalam cases that are in litigation faced by the
proses pengadilan yang dihadapi oleh Bank. Bank.
Pengelolaan risiko hukum yang dilakukan Bank Mestika's legal risk management has
Bank Mestika telah cukup memadai dalam been adequate in protecting the Bank's
melindungi kepentingan hukum Bank dan legal interests and minimizing significant
meminimalisir dampak finansial yang financial impact to the Bank, this is reflected
signifikan bagi Bank, hal ini tercermin dalam in the risk profile rating on legal risk in 2024
peringkat profil risiko pada risiko hukum which is in the Low position.
pada tahun 2024 yang berada pada posisi
Low.
Risiko Reputasi Reputation Risk
Risiko reputasi dikelola melalui mekanisme Reputation risk is managed through
pemantauan, pengawasan, penanganan monitoring, supervision, handling and
dan penyelesaian yang dilakukan oleh resolution mechanisms carried out by the
Bagian Corporate Secretary dan Unit Corporate Secretary Section and Bank
Pengaduan Nasabah Bank Mestika. Mestika's Customer Complaints Unit.
Penilaian atas risiko reputasi dilakukan Assessment of reputation risk is conducted
dengan mengukur parameter keluhan dan by measuring the parameters of complaints
publikasi negatif terhadap Bank. and negative publications against the Bank.
Bank didalam memberikan pelayanan The Bank in providing services to customers
terhadap nasabah menyediakan layanan provides 24-hour telephone service and
telepon 24 jam dan secara continuously develops better procedures
berkesinambungan melakukan and work management to facilitate
pengembangan prosedur serta manajemen monitoring and management information
kerja yang semakin baik sehingga systems that can support customer service.
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memudahkan pemantauan dan sistem
informasi manajemen yang dapat
mendukung pelayanan nasabah.
Manajemen Bank dan para pemangku The Bank's management and stakeholders
kepentingan senantiasa menjaga reputasi always maintain a good and positive
yang baik dan positif dan terus reputation and continue to improve services
meningkatkan pelayanan terhadap nasabah to customers by innovating products that
dengan melakukan inovasi-inovasi produk are easily understood by customers as one
yang mudah dipahami oleh nasabah sebagai of the Bank's efforts to improve the Bank's
salah satu upaya Bank didalam good reputation.
meningkatkan reputasi baik Bank.
Pengelolaan Risiko Reputasi Reputational Risk Management
Risiko reputasi dikelola melalui mekanisme Reputation risk is managed through
pemantauan, pengawasan, penanganan monitoring, supervision, handling and
dan penyelesaian dengan koordinasi oleh resolution mechanisms with coordination
corporate secretary Bank Mestika dengan by Bank Mestika's corporate secretary with
bagian terkait. Risiko reputasi juga dikelola related departments. Reputation risk is also
dengan menciptakan brand image positif managed by creating a positive brand
Bank melalui konten-konten positif pada image of the Bank through positive content
media sosial milik Bank dan menjaga on the Bank's social media and maintaining
keterbukaan informasi dan transparansi information disclosure and transparency to
kepada seluruh stakeholder, serta menjalin all stakeholders, as well as establishing
hubungan yang harmonis dengan pihak harmonious relationships with the media in
media dalam hal menjaga nama baik Bank. terms of maintaining the Bank's good name.
Hal tersebut dilakukan dalam rangka This is done in order to minimize and handle
meminimalkan dan menangani keluhan complaints or complaints from stakeholders
atau komplain dari stakeholder yang that result in negative publications.
mengakibatkan timbulnya publikasi negatif.
Risiko Stratejik Strategic Risk
Pemantauan risiko stratejik dilakukan Strategic risk monitoring is conducted
secara berkala melalui parameter yang periodically through parameters reflected in
tercermin pada profil risiko stratejik. the strategic risk profile. Strategic risk
Pengukuran risiko stratejik antara lain measurement, among others, is carried out
dilakukan dengan menganalisis eksposur by analyzing exposures and comparing risk
dan membandingkan eksposur risiko exposures with established limits.
dengan limit-limit yang ditetapkan.
Dewan Direksi secara berkala melakukan The Board of Directors regularly evaluates
evaluasi atas strategi dan kebijakan risiko strategic risk strategies and policies,
stratejik, melalui rapat bersama dengan through joint meetings with committees
komite-komite dibawah Direksi guna under the Board of Directors to align
menyelaraskan strategi. Perumusan dan strategies. The formulation and monitoring
pemantauan strategi Bank Mestika of Bank Mestika's strategy is contained in
tertuang dalam Corporate Plan dan the Corporate Plan and Bank Business Plan
Rencana Bisnis Bank (RBB). (RBB).
RBB akan direview kembali setiap tahun The RBB will be reviewed annually based on
berdasarkan perubahan strategi bisnis dan changes in business strategy and the Bank's
rencana Bank dalam jangka pendek. plans in the short term. Meanwhile, the
Sementara itu Corporate Plan menjadi Corporate Plan serves as a guideline in
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pedoman dalam melakukan perencanaan planning every year and can be reviewed if
setiap tahun dan dapat direview apabila there are significant changes in the business
terjadi perubahan yang signifikan terhadap environment and resources.
lingkungan bisnis dan sumber daya.
Dalam melakukan pengelolaan risiko In managing strategic risk, Bank Mestika
stratejik, Bank Mestika senantiasa always conducts performance review and
melakukan review kinerja dan evaluasi evaluation of business target preparation
kebijakan penyusunan target bisnis dan policies and takes corrective steps in
melakukan Langkah-langkah perbaikan preparing strategic plans and business
dalam menyusun rencana strategi dan targets by considering internal and external
target bisnis dengan mempertimbangkan conditions, if necessary.
kondisi internal dan eksternal, apabila
diperlukan.
Penilaian risiko stratejik pada inheren risk Strategic risk assessment on inherent risk is
dilakukan dengan mengukur parameter- conducted by measuring parameters such
parameter seperti kesesuaian strategi as the suitability of the strategy with the
dengan kondisi lingkungan bisnis, strategi business environment, high risk strategies,
berisiko tinggi, posisi bisnis Bank dan the Bank's business position and the
pencapaian rencana bisnis Bank. achievement of the Bank's business plan.
Dalam hal mengantisipasi faktor-faktor In anticipating the risk factors faced by Bank
risiko yang dihadapi oleh Bank Mestika, Mestika, it is necessary to implement an
perlu dilakukan penerapan manajemen independent and prudent risk management
risiko yang independen dan prudent namun that does not limit the Bank's business
tidak membatasi proses ekspansi bisnis expansion process. Risk management
Bank. Strategi- strategi pengelolaan risiko strategies carried out in 2024:
yang dilakukan pada tahun 2024:
o Mereview strategi secara berkala o Review the strategy periodically by
dengan mempertimbangkan faktor considering internal and external
internal dan faktor eksternal untuk factors to ensure the achievement of
memastikan pencapaian dari sisi profitability. One of the concrete
pencapaian laba. Salah satu contoh examples of Bank Mestika's
konkrit dari pencapaian Bank Mestika di achievements in 2024 is high credit
tahun 2024 ialah pertumbuhan kredit growth but still prudent and selective by
yang tinggi namun tetap prudent dan paying attention to sectors that grow
selektif dengan tetap memperhatikan positively and are also sustainable and
sektor-sektor yang tumbuh positif dan assessing the ability of debtors for
juga sustainable dan melakukan better credit management.
penilaian kemampuan debitur untuk
pengelolaan kredit yang lebih baik.
o Bank fokus menjaga dan mendorong o The Bank focuses on maintaining and
peningkatan CASA untuk mendukung encouraging the increase of CASA to
ekspansi kredit, dan ini akan tetap support credit expansion, and this will
menjadi fokus utama Bank untuk tahun remain the Bank's main focus for 2025.
2025.
o Melakukan pembentukan cadangan o Establishing reserves (CKPN) as a form
(CKPN) sebagai bentuk pengendalian of control over credit risk that has
terhadap risiko kredit yang mengalami decreased credit quality which has an
penurunan kualitas kredit yang impact on the Bank's performance.
berdampak pada kinerja Bank.
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o Memanfaatkan likuiditas Bank, dengan o Utilize the Bank's liquidity, by placing
melakukan penempatan dana pada funds in assets that are considered
aset-aset yang dinilai likuid guna liquid to increase the Bank's income.
peningkatkan pendapatan Bank.
Risiko Kepatuhan Compliance Risk
Risiko akibat Bank tidak mematuhi dan/ Risk due to the Bank's failure to comply with
atau tidak melaksanakan peraturan and/or not implementing laws and
perundang-undangan dan ketentuan. Risiko regulations. Bank Mestika's compliance risk
kepatuhan Bank Mestika dapat bersumber may originate, among others, from the
antara lain dari aktivitas Bank yang Bank's activities that deviate or violate the
menyimpang atau melanggar dari provisions or laws and regulations.
ketentuan atau peraturan perundang-
undangan.
Perbankan merupakan industry yang highly Banking is a highly regulated industry, so
regulated, sehingga Bank Mestika Bank Mestika always monitors compliance
senantiasa melakukan monitoring atas with the provisions issued by the Regulator
kepatuhan terhadap ketentuan yang and other authorized institutions.
diterbitkan oleh Regulator maupun instansi
yang berwenang lainnya.
Pengelolaan Risiko Kepatuhan Compliance Risk Management
Di dalam mengelola risiko kepatuhan, Bank In managing compliance risk, Bank Mestika
Mestika telah menetapkan kebijakan, has established policies, provisions, systems
ketentuan, sistem dan prosedur untuk and procedures to build a culture of
membangun budaya kepatuhan sebagai compliance as one of the keys to success in
salah satu kunci keberhasilan dalam implementing compliance risk
penerapan manajemen risiko kepatuhan. management.
Sesuai dengan POJK No.46/POJK.03/2017 In accordance with POJK
tentang Pelaksanaan Fungsi Kepatuhan No.46/POJK.03/2017 on the
Bank Umum, Bank Mestika telah memiliki Implementation of Compliance Function of
Direktur Kepatuhan yang bertanggung Commercial Banks, Bank Mestika has a
jawab untuk memastikan kepatuhan dan Compliance Director who is responsible for
meminimalkan risiko kepatuhan serta ensuring compliance and minimizing
memantau pelaksanaannya. Dalam compliance risk as well as monitoring its
pelaksanaan tugasnya, Direktur Kepatuhan implementation. In performing his duties,
dibantu oleh Bagian Kepatuhan yang the Compliance Director is assisted by the
bersifat independen terhadap satuan kerja Compliance Section which is independent of
operasional. the operational work units.
Dalam melakukan penilaian kepatuhan In assessing compliance with the Bank's
pada risiko inheren Bank, parameter yang inherent risk, the parameters used are the
digunakan adalah jenis dan signifikansi type and significance of violations
pelanggaran yang dilakukan, frekuensi committed, the frequency of violations or
pelanggaran atau track record kepatuhan compliance track record and violations of
dan pelanggaran terhadap ketentuan atas provisions on certain financial transactions.
transaksi keuangan tertentu.
Bagian Kepatuhan Bank Mestika secara Bank Mestika's Compliance Department
berkala melakukan sosialisasi ketentuan periodically socializes the latest provisions
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dan kebijakan terbaru kepada bagian and policies to related departments and
terkait dan melakukan kajian produk/ reviews new products/activities and the
aktivitas baru dan kebijakan internal Bank. Bank's internal policies.
Tinjauan atas efektivitas sistem manajemen Review of the effectiveness of the risk
risiko management system
Dewan Komisaris dan Direksi melaksanakan The Board of Commissioners and the Board of
evaluasi terhadap efektivitas sistem Directors evaluate the effectiveness of the
manajemen risiko di Bank dibantu oleh komite- Bank's risk management system with the
komite dibawahnya. Komite-komite tersebut assistance of its committees. These committees
mengadakan rapat secara berkala untuk meet regularly to discuss and provide input and
membahas dan memberikan masukan dan recommendations to the Board of
rekomendasi kepada Dewan Komisaris dan Commissioners and Board of Directors.
Direksi.
Bank juga melakukan evaluasi secara berkala The Bank also periodically evaluates:
terhadap:
Kecukupan kebijakan, prosedur dan The adequacy of policies, procedures and
penetapan limit, limit setting,
Kecukupan proses identifikasi, pengukuran, Adequacy of risk identification,
pemantauan dan pengendalian risiko, measurement, monitoring and control
processes,
Efektivitas sistem pengendalian internal The effectiveness of a comprehensive
yang menyeluruh. internal control system.
Evaluasi dan pengkinian terhadap kebijakan dan Evaluation and updating of policies and
prosedur dilakukan secara berkala untuk procedures are carried out periodically to
menjaga kesesuaiannya dengan regulasi dan maintain their suitability with regulations and
kondisi operasional. Evaluasi terhadap operational conditions. Evaluation of the
efektivitas manajemen risiko juga dilakukan effectiveness of risk management is also carried
melalui laporan berkala yang dikirimkan kepada out through periodic reports sent to the Board of
Dewan Komisaris dan Direksi. Commissioners and Directors.
Penilaian kualitas penerapan manajemen risiko The quality assessment of risk management
mencerminkan penilaian terhadap kecukupan implementation reflects an assessment of the
sistem pengendalian risiko sebagaimana diatur adequacy of the risk control system as stipulated
dalam ketentuan Otoritas Jasa Keuangan in the provisions of the Financial Services
mengenai Penerapan Manajemen Risiko bagi Authority regarding the Implementation of Risk
Bank Umum. Management for Commercial Banks.
Penerapan manajemen risiko Bank sangat The Bank's risk management implementation
bervariasi yang dinilai berdasarkan skala, varies widely and is assessed based on the scale,
kompleksitas dan tingkat risiko yang dapat complexity and level of risk that can be tolerated
ditoleransi oleh Bank. Dengan demikian, dalam by the Bank. Thus, in assessing the quality of risk
menilai kualitas penerapan manajemen risiko management implementation, it is necessary to
perlu diperhatikan karakteristik dan consider the characteristics and complexity of
kompleksitas usaha Bank. the Bank's business.
Hasil self assessment Profil Risiko Bank Mestika The result of Bank Mestika's Risk Profile self-
secara individu posisi 31 Desember 2024 adalah assessment individually as of December 31, 2024
peringkat 2 (Low to Moderate) dengan is a rating of 2 (Low to Moderate) with an
peringkat risiko inheren Low to Moderate dan inherent risk rating of Low to Moderate and a
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peringkat kualitas penerapan manajemen risiko risk management implementation quality rating
(KPMR) berada pada peringkat Satisfactory. Dari (KPMR) of Satisfactory. From the results of the
hasil self assessment tersebut, tercermin bahwa self-assessment, it is reflected that the risk
sistem manajemen risiko telah diterapkan oleh management system has been implemented by
Bank Mestika dengan baik dan efektif. Bank Mestika well and effectively.
Pernyataan Direksi dan/atau Dewan Komisaris Statement of the BoD and/or BoC or Audit
atau Komite Audit atas kecukupan sistem Committee on the adequacy of the risk
manajemen risiko management system
Bank Mestika telah melakukan evaluasi dan kaji Bank Mestika has evaluated and reviewed the
ulang atas penerapan sistem manajemen risiko implementation of risk management system in
ditahun 2024: 2024:
Direksi melakukan evaluasi atas efektivitas The Board of Directors evaluates the
sistem manajemen risiko melalui effectiveness of the risk management
peninjauan secara berkala atas kebijakan system through periodic review of risk
dan pedoman manajemen risiko dan management policies and guidelines, risk
laporan eksposur risiko serta penilaian exposure reports and assessment of the
profil risiko Bank. Bank's risk profile.
Dewan Komisaris dibantu oleh Komite The Board of Commissioners assisted by the
Pemantau Risiko melakukan pengawasan Risk Monitoring Committee supervises and
serta evaluasi terhadap penerapan sistem evaluates the implementation of the risk
manajemen risiko yang telah dilakukan oleh management system that has been carried
Direksi. out by the Board of Directors.
Pada tahun 2024, Dewan Komisari dan Direksi In 2024, the Board of Commissioners and the
menyatakan bahwa sistem pengendalian Board of Directors stated that the internal
internal dan sistem manajemen risiko yang control system and risk management system
dilakukan oleh Bank Mestika berjalan efektif, implemented by Bank Mestika are effective,
memadai dan mampu mengelola risiko-risiko adequate and able to manage risks and business
dan peluang bisnis untuk mendukung Bank opportunities to support the Bank in achieving
mencapai tujuan bisnisnya. its business objectives.
18. Sistem Pengendalian Intern 18. Internal Control System
Pengendalian Intern Bank Bank‘s Internal Control
Bank telah memiliki pedoman Sistem The Bank has a guideline for Bank Mestika's
Pengendalian Intern Bank Mestika yang telah Internal Control System which has been updated
dikinikan dan telah disahkan berdasarkan SK and ratified based on Decree No.076/SK-
No.076/SK-BMD/DIR/2024 tanggal 27 BMD/DIR/2024 dated December 27th, 2024
Desember 2024 perihal Pedoman Standar regarding Guidelines for Internal Control System
Sistem Pengendalian Intern bagi Bank Umum Standards for Commercial Banks which includes 5
yang mencakup 5 (lima) komponen antara lain: (five) components, among others:
Pengawasan oleh Manajemen dan Budaya Management oversight and control culture,
pengendalian,
Identifikasi dan Penilaian Risiko, Risk Identification and Assessment,
Kegiatan Pengendalian dan Pemisahan Control Activities and Separation of
Fungsi, Functions,
Sistem Akuntansi, Informasi dan Accounting, Information and Communication
Komunikasi, Systems,
Kegiatan Pemantauan dan Tindakan Koreksi Monitoring Activities and Deviation
Penyimpangan Correction Actions
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Kelima komponen tersebut sejalan dengan The five components are in line with the Internal
Internal Control – Integrated Framework yang Control - Integrated Framework developed by The
dikembangkan oleh The Committee of Committee of Sponsoring Organization of the
Sponsoring Organization of the Treadway Treadway Commission (COSO).
Commission (COSO).
Penerapan pengendalian intern Bank diarahkan The implementation of the Bank's internal control
menjadi mekanisme pengawasan secara is directed to be an ongoing monitoring
berkesinambungan (ongoing basis), guna: mechanism, in order to:
Menjaga dan mengamankan harta Maintain and secure the Bank's assets,
kekayaan Bank,
Menjamin tersedianya laporan yang lebih Ensure the availability of more accurate
akurat, reports,
Meningkatkan kepatuhan terhadap Increase compliance with applicable
ketentuan yang berlaku, regulations,
Mengurangi dampak keuangan/kerugian, Reduce financial impact/loss, irregularities
penyimpangan termasuk including fraud/fraud, and violation of
kecurangan/fraud, dan pelanggaran aspek prudential aspects,
kehati-hatian,
Meningkatkan efektivitas organisasi dan Increase organizational effectiveness and
meningkatkan efisiensi biaya. improve cost efficiency.
Sistem Pengendalian Intern Bank menjadi The Bank's Internal Control System is the
tanggung jawab semua pihak yang terlibat responsibility of all parties involved in the Bank's
dalam Organisasi Bank antara lain Dewan organization, including the Board of
Komisaris, Direksi, SKAI, dan segenap pejabat Commissioners, Board of Directors, SKAI, and all
dan pegawai Bank maupun pihak ekstern yang Bank officials and employees as well as external
berkepentingan terhadap terlaksananya Sistem parties with an interest in the implementation of
Pengendalian Intern Bank yang handal dan a reliable and effective Bank Internal Control
efektif. System.
Pelaksanaan Pengendalian Internal Bank Implementation of the Bank's Internal Control
Pengendalian Keuangan, dengan: Financial Control, with:
o Bank Mestika telah menyusun Rencana o Bank Mestika has prepared the Bank's
Bisnis Bank secara keseluruhan yang overall Business Plan which includes the
mencakup arah pengembangan bisnis direction of business development and
dan strategi yang ditetapkan telah the strategies set have taken into
memperhitungkan dampak terhadap account the impact on the Bank's capital.
permodalan Bank.
o Bank Mestika secara aktif mengikuti o Bank Mestika actively follows and
dan memantau perkembangan internal monitors the development of internal
maupun faktor eksternal yang dapat and external factors that may affect the
mempengaruhi strategi bisnis Bank. Bank's business strategy.
o Bank Mestika telah melaksanakan o Bank Mestika has implemented financial
proses pengendalian keuangan melalui control process through monitoring the
upaya pemantauan realisasi realization compared to the financial
dibandingkan dengan budget keuangan budget which is conducted periodically
yang dilakukan secara berkala dan and always discussed in the Board of
senantiasa dibahas dalam Rapat Direksi Directors Meeting and Joint Meeting
maupun Rapat Gabungan antara between the Board of Commissioners and
Dewan Komisaris dan Direksi. Board of Directors.
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Pengendalian operasional, dengan: Operational control, with:
o Bank Mestika telah memiliki struktur o Bank Mestika has an organizational
organisasi yang cukup memadai dengan structure that is adequate with the
kondisi bisnis Bank, yang juga Bank's business condition, which is also
dilengkapi dengan unit equipped with supervision/control units
pengawasan/pengendalian seperti such as Internal Audit Unit (SKAI), Risk
Satuan Kerja Audit Intern (SKAI), Satuan Management Unit (SKMR), and
Kerja Manajemen Risiko (SKMR), dan Compliance Unit (SKK).
Satuan Kerja Kepatuhan (SKK).
o Bank Mestika telah memiliki kebijakan o Bank Mestika has policies and
dan prosedur yang didokumentasikan procedures that are documented in
secara tertulis. writing.
o Bank senantiasa melakukan o The Bank continuously makes
penyesuaian dan penyempurnaan adjustments and improvements to the
terhadap kebijakan dan prosedur yang existing policies and procedures in
ada dalam meningkatkan Sistem improving the Bank's Internal Control
Pengendalian Internal Bank. System.
o Bank Mestika telah menerapkan proses o Bank Mestika has implemented dual
dual control dan pemisahan tugas control process and segregation of duties
dalam setiap aktivitas operasional dan in every operational and functional
fungsional serta konsisten menghindari activity and consistently avoiding the
pemberian wewenang dan tanggung granting of authority and responsibility
jawab yang dapat menimbulkan that may cause conflict of interest.
benturan kepentingan (conflict of
interest).
o Bank melakukan pemantauan secara o The Bank conducts periodic monitoring of
berkala terhadap aktivitas operasional operational activities and always takes
dan senantiasa melakukan tindakan corrective action on
koreksi atas penyimpangan/kelemahan deviations/weaknesses found.
yang ditemukan.
Kepatuhan terhadap Peraturan Perundang- Compliance with Laws and Regulations
Undangan
o Bank memiliki Komitmen yang kuat o The Bank has a strong commitment to
untuk mematuhi peraturan dan comply with applicable laws and
perundang - undangan yang berlaku. regulations.
o Bank memiliki Satuan Kerja Kepatuhan o The Bank has a Compliance Work Unit
yang bersifat independen terhadap that is independent of the Operational
Satuan kerja Operasional dalam Work Unit in carrying out the compliance
melaksanakan fungsi kepatuhan. function.
o Direktur Kepatuhan Bank melalui o The Bank's Compliance Director through
Bagian Kepatuhan secara berkala the Compliance Section periodically
memantau pelaksanaan tugas masing - monitors the implementation of the
masing Divisi maupun Bagian dalam hal duties of each Division and Section in
pelaporan kepada Regulator Bank. terms of reporting to the Bank's
Regulator.
o Satuan Kerja Kepatuhan senantiasa o The Compliance Working Unit always
melakukan review terhadap pedoman reviews guidelines and policies before
dan kebijakan sebelum diterbitkan. they are issued.
o Direktur Kepatuhan dan Satuan Kerja o The Compliance Director and Compliance
Kepatuhan senantiasa melakukan Working Unit always socialize the latest
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sosialisasi peraturan dan ketentuan rules and regulations to the Board of
terbaru kepada Direksi, Pejabat Bank Directors, Bank Officers and employees.
dan karyawan.
o Direktur Kepatuhan dan Satuan Kerja o The Compliance Director and Compliance
Kepatuhan melakukan pemantauan Working Unit monitor the completion of
terhadap penyelesaian komitmen Bank the Bank's commitments to Bank
terhadap Bank Indonesia maupun Indonesia and the Financial Services
Otoritas Jasa Keuangan secara berkala Authority on a regular basis and are
dan dituangkan dalam Laporan outlined in the Bank's Compliance
Kepatuhan Bank. Report.
o Satuan Kerja Kepatuhan Bank membuat o The Bank's Compliance Working Unit
Laporan secara triwulanan yang prepares quarterly reports that are
disampaikan kepada Dewan Komisaris submitted to the Board of Commissioners
dan Direksi. and the Board of Directors.
Satuan Kerja Audit Intern (SKAI) Bank bertugas The Bank's Internal Audit Unit is tasked with
untuk melakukan review atas penerapan reviewing the implementation of the
efektivitas Sistem Pengendalian Intern Bank effectiveness of the Bank's Internal Control
secara berkala. Hasil review SKAI disampaikan System on a regular basis. The results of the
secara berkala kepada Komite Audit, Direksi, Internal Audit review are submitted
dan dengan tembusan kepada Dewan periodically to the Audit Committee, BoD, and
Komisaris. Hasil Evaluasi SKAI terhadap with a copy to the BoC. The results of SKAI's
efektivitas penerapan Sistem Pengendalian evaluation of the effectiveness of the
Intern Bank masih baik dimana setiap implementation of the Bank's Internal Control
identifikasi kelemahan yang ditemukan System are still good where any identified
langsung ditindaklanjuti oleh Manajemen Bank. weaknesses found are immediately followed
Dewan Komisaris dan Direksi menilai penerapan up by the Bank's Management. The BoC and
Sistem Pengendalian Internal telah memadai. BoD assess the implementation of the Internal
Control System as adequate.
19. Penyediaan Dana Kepada Pihak Terkait Dan 19. Provision of Fund to Related Party and Large
Penyediaan Dana Besar Exposure
Dalam melakukan penyediaan dana kepada pihak In providing funds to related parties and core
terkait dan debitur inti, Bank berpedoman pada debtors, the Bank is guided by POJK number
POJK nomor 32/POJK.03/2018 dan 32/POJK.03/2018 and 38/POJK.03/2019 concerning
38/POJK.03/2019 tentang Batas Maksimum Maximum Lending Limits and Provision of Large
Pemberian Kredit dan Penyediaan Dana Besar bagi Funds for Commercial Banks where the calculation
Bank Umum dimana perhitungan debitur grup inti of core group debtors excluding related parties is 25
diluar pihak terkait adalah 25 debitur grup. group debtors.
Penyaluran dana dilakukan dengan memperhatikan Fund disbursement is carried out with due regard to
prinsip kehati-hatian dan tetap berpedoman pada the prudential principle and remains guided by
prosedur yang berlaku. applicable procedures.
Informasi mengenai total baki debet pihak terkait Information regarding the total outstanding of
dan debitur inti grup dapat dilihat pada tabel di related parties and core group debtors can be seen
bawah ini: in the table below:
Jumlah/Amount
Penyediaan Dana/
No. Debitur/ Nominal (Jutaan Rupiah)/
Provision of Funds
Debtor Nominal (in Million Rupiah)
1 Kepada pihak terkait 24 209,247
To related party
2 Kepada debitur inti:
To core debtor:
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a. individu - -
individual
b. grup 25 4,975,597
group
Posisi debitur inti (25 debitur grup) dengan posisi Position of core debtors (25 group debtors) with a
saldo sebesar 45.93% per Desember 2024. Rasio balance position of 45.93% as of December 2024.
NPL 25 debitur inti per Desember 2024 adalah 0%. The NPL ratio of 25 core debtors as of December
2024 is 0%.
20. Rencana Strategis Bank 20. Bank Strategic Plan
Rencana Jangka Panjang Corporate Plan
Bank senantiasa menyusun strategi dan The Bank continuously develops strategies and
memperbaharui kebijakan Bank untuk updates its policies to optimize its resources and
mengoptimalkan sumber daya yang ada dan realize its targets.
merealisasikan target-target yang telah
ditetapkan.
Adapun visi dan misi Bank Mestika antara lain: The vision and mission of Bank Mestika include:
Visi Bank Bank’s Vision
Menjadi Bank Kelompok Bank Modal Inti 2 To become a Tier 2 Capital Group Bank
(KBMI 2) sebelum Tahun 2028 yang (KBMI 2) by 2028 that contributes to
berkontribusi bagi pertumbuhan ekonomi national economic growth by prioritizing
nasional dengan mengutamakan banking professionalism and based on
profesionalisme perbankan dan sustainable finance principles.
berlandaskan prinsip keuangan
berkelanjutan.
Misi Bank Bank’s Mission
o Mengembangkan sinergi dan nilai o Develop synergy and added value with
tambah dengan para pemangku stakeholders.
kepentingan (stakeholders).
o Memberikan pelayanan jasa perbankan o Providing professional and technology-
yang professional dan berbasis based banking services with good risk
teknologi dengan dengan prinsip management principles, prudence and
Manajemen Risiko yang baik, penuh in accordance with GCG (Good
kehati-hatian dan sesuai prinsip GCG Corporate Governance) principles and
(Good Corporate Governance) dan based on sustainable finance principles.
berdasarkan prinsip keuangan
berkelanjutan.
o Meningkatkan citra bank dengan o Improve the bank's image by
mengembangkan SDM yang developing professional human
professional dan berintegritas tinggi. resources with high integrity.
Dalam rangka terus berkontribusi dalam In order to continue contributing to the
membantu peningkatan ekonomi nasional pada improvement of the national economy in
umumnya, dan ekonomi Sumatera pada general, and the economy of Sumatra in
khususnya, serta mewujudkan visi dan misi, particular, as well as realizing its vision and
Bank menetapkan tujuan pencapaian target mission, the Bank set a goal of achieving a
kredit double the size sebesar Rp 20 Triliun double the size loan target of Rp 20 Trillion
pada tahun 2031. by 2031.
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Rencana Jangka menengah dan pendek Medium and short term plan (business plan)
(business plan)
Penyusunan RBB 2025 – 2027 telah The preparation of RBB 2025-2027 has taken
memperhatikan Corporate Plan dan faktor into account the Corporate Plan and external
eksternal seperti kebijakan efisiensi factors such as government efficiency policies,
pemerintah, volatilitas harga komoditas yang high commodity price volatility, rising interest
masih tinggi, meningkatnya suku bunga dan rates and global supply chain constraints. The
kendala rantai pasok global. Penyusunan RBB preparation of the RBB has been carried out in
telah dilakukan sesuai dengan ketentuan. accordance with the provisions.
Langkah – langkah strategis yang akan Strategic steps to be taken by the Bank in
ditempuh oleh Bank dalam mencapai RBB achieving the RBB include:
antara lain:
Pengembangan Nilai Tambah yang unik dan Development of unique and distinctive
khas (niche potential) untuk dapat Added Value (niche potential) to be provided
diberikan kepada stakeholders terkait. to relevant stakeholders.
Melakukan pengembangan produk dan Developing existing and new products and
layanan yang sudah ada maupun yang baru services related to products in terms of
terkait dengan produk baik dari sisi fitur, features, services, and ease of access and
layanan, dan kemudahan akses dan transactions for customers, especially in
transaksinya bagi para pelanggan terms of digital transformation.
khususnya dalam hal transformasi digital.
Meningkatkan pengelolaan dan Improve the management and development
pengembangan organisasi dan SDM, serta of organizations and human resources, as
sistem Teknologi Informasi Pelayanan dan well as Information Technology systems for
Operasional Perbankan dengan Banking Services and Operations by
mengedepankan keamanan nasabah dalam prioritizing customer security in transactions.
bertransaksi.
Memberikan pelayanan jasa perbankan Providing the best and appropriate banking
yang terbaik dan tepat sesuai dengan services in accordance with the principles of
prinsip penerapan Manajemen Risiko yang implementing good Risk Management, open,
baik, terbuka, prudent dan memenuhi prudent and fulfilling GCG principles.
kaidah GCG.
Pengembangan dan citra persepsi Development and image perception of the
perusahaan sebagai Perbankan menengah company as a national class medium-sized
kelas nasional yang berkontribusi langsung banking that contributes directly to the
terhadap pengembangan kualitas development of quality economic growth by
pertumbuhan ekonomi dengan menjaga maintaining good reputation, service and
baik reputasi, pelayanan serta unsur kehati- prudence in business management based on
hatian dalam pengelolaan usaha yang local wisdom and paying attention to
berpijak pada kearifan lokal dan environmental aspects.
memperhatikan aspek lingkungan.
21. Transparansi Kondisi Keuangan dan Non Keuangan 21. Transparency of Financial and Non-Financial
Condition
Transparansi Kondisi Keuangan Bank Transparency of the Bank's Financial Condition
Bank selalu memaparkan perkembangan kinerja The Bank always discloses performance
melalui publikasi Laporan Keuangan Bulanan, developments through the publication of
Triwulanan dan Laporan Tahunan. Publikasi Monthly, Quarterly and Annual Financial
laporan tersebut di atas dimuat pada situs web Reports. The publication of the above reports is
Bank www.bankmestika.co.id dan untuk posted on the Bank's website
Laporan Keuangan Tengah Tahunan serta www.bankmestika.co.id and for the Mid-Year
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Laporan Keuangan Tahunan juga dimuat pada Financial Report and Annual Financial Report is
surat kabar sehingga profil serta laporan also published in newspapers so that the Bank's
keuangan Bank dapat dengan mudah diakses profile and financial statements can be easily
oleh stakeholders. accessed by stakeholders.
Transparansi Kondisi Keuangan Non Bank Non Bank Financial Condition Transparency
Bank memberikan informasi secara tertulis The Bank provides written information related
terkait produk dan suku bunga Bank dalam to the Bank's products and interest rates in the
bentuk brosur, spanduk, dan media elektronik form of brochures, banners, and electronic
seperti situs web Bank dan sosial media Bank. media such as the Bank's website and social
Layanan pengaduan nasabah Bank dapat media. The Bank's customer complaint service
dilakukan melalui layanan konsumen can be done through MestikaCall customer
MestikaCall ataupun dapat dilakukan service or complaints can be made directly to the
pengaduan langsung ke kantor-kantor terdekat nearest offices of Bank Mestika.
Bank Mestika.
Pada tahun 2024 terdapat 279 pengaduan In 2024 there were 279 customer complaints at
nasabah pada Bank Mestika dan telah Bank Mestika and have been resolved with the
diselesaikan dengan perincian sebagai berikut: following details:
Triwulan I : 23 pengaduan 1st Quarter : 23 complaints
Triwulan II : 63 pengaduan 2nd Quarter : 63 complaints
Triwulan III : 130 pengaduan 3rd Quarter : 130 complaints
Triwulan IV : 63 pengaduan 4th Quarter : 63 complaints
22. Penerapan Strategi Anti Fraud 22. Implementation of Anti Fraud Strategy
Pendahuluan Preface
Dengan adanya dinamika nasional, regional, With the national, regional, and global dynamics
maupun global yang diiringi dengan accompanied by the development of
perkembangan produk, aktivitas, dan teknologi increasingly complex Bank products, activities,
informasi Bank yang semakin kompleks, hal ini and information technology, this has the
berpotensi meningkatkan peluang bagi para potential to increase opportunities for criminals
pelaku kejahatan untuk menyalahgunakan to abuse banking facilities and products as a
fasilitas dan produk perbankan sebagai sarana means of fraud, fraud, or manipulation with
penipuan, kecurangan, ataupun manipulasi various modes of operating .
dengan berbagai modus operandi.
Sejalan dengan hal tersebut, maka Manajemen In line with this, the Management of the Bank
Bank menetapkan dan menerbitkan Penerapan establishes and publishes the Implementation of
Strategi Anti Fraud Bagi Bank Mestika yang Anti Fraud Strategy for Bank Mestika which
mengacu pada Peraturan Otoritas Jasa refers to the Financial Services Authority
Keuangan Nomor 12 Tahun 2024 tentang Regulation Number 12 of 2024 concerning the
Penerapan Strategi Anti Fraud bagi Lembaga Implementation of Anti Fraud Strategy for
Jasa Keuangan yang diharapkan dapat Financial Services Institutions which is expected
mencegah penggunaan sistem perbankan to prevent the use of the banking system as a
sebagai sarana kejahatan penipuan, means of fraud, fraud, or manipulation crimes,
kecurangan, ataupun manipulasi, serta and at the same time is also expected to
sekaligus diharapkan juga dapat meminimalisir minimize the possibility of the emergence of a
kemungkinan timbulnya suatu risiko, yaitu risiko risk, namely operational risk, legal risk,
operasional, risiko hukum, risiko konsentrasi, concentration risk, and reputation risk.
dan risiko reputasi.
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Menurut POJK Nomor 12 Tahun 2024, Fraud According to POJK Number 12 of 2024, Fraud is
adalah tindakan penyimpangan atau pembiaran an act of deviation or omission that is
yang sengaja dilakukan untuk mengelabui, deliberately carried out to deceive, cheat, or
menipu, atau memanipulasi Bank, nasabah, manipulate the Bank, customers, or other
atau pihak lain, yang terjadi di lingkungan Bank parties, which occurs within the Bank and / or
dan/ atau menggunakan sarana Bank sehingga uses Bank facilities resulting in the Bank,
mengakibatkan Bank, nasabah, atau pihak lain customers, or other parties suffering losses and
menderita kerugian dan/ atau pelaku Fraud / or the perpetrators of Fraud obtaining financial
memperoleh keuntungan keuangan baik secara benefits either directly or indirectly.
langsung maupun tidak langsung.
Jenis perbuatan yang tergolong Fraud terdiri The types of actions that are classified as Fraud
atas : consist of :
korupsi meliputi : corruption includes:
o benturan kepentingan yang merugikan o conflict of interest that is detrimental to
Bank dan/atau Konsumen; the Bank and/or Consumer;
o penyuapan; o bribery;
o penerimaan tidak sah; dan/ atau o unauthorized receipt; and/or
o pemerasan; o extortion;
penyalahgunaan aset meliputi : misuse of assets includes:
o penyalahgunaan uang tunai; o misuse of cash
o penyalahgunaan persediaan; dan/ atau o misuse of inventory; and/o
o penyalahgunaan aset lainnya; o misuse of other assets;
kecurangan laporan keuangan meliputi : financial statement fraud includes:
o melebihkan kekayaan bersih dan/ atau o overstate net worth and/or net income;
pendapatan bersih; atau or
o mengurangi kekayaan bersih dan/ atau o reduce net worth and/or net income;
pendapatan bersih;
penipuan; fraud;
pembocoran informasi rahasia; dan/ atau leakage of confidential information; and/or
tindakan lain yang dapat dipersamakan other actions that can be equated with
dengan Fraud sesuai dengan ketentuan Fraud in accordance with the provisions of
peraturan perundang-undangan. laws and regulations.
Untuk mendukung efektivitas penerapan To support the effectiveness of the
Strategi Anti Fraud pada Bank, implementasi implementation of the Anti Fraud Strategy in the
strategi Anti Fraud dilaksanakan oleh Bagian Bank, the implementation of the Anti Fraud
Anti Fraud dengan pertanggungjawaban strategy is carried out by the Anti Fraud Section
langsung kepada Presiden Direktur serta with direct accountability to the President
hubungan komunikasi, dan pelaporan secara Director as well as communication relationships,
langsung kepada Dewan Komisaris. and direct reporting to the Board of
Commissioners.
Fokus Focus
Manajemen memperluas kewenangan dalam Management extends the authority in the
tanggungjawab mengambil keputusan dan responsibility of making Anti Fraud decisions and
tindakan Anti Fraud di level pejabat eksekutif actions at the level of executive officers and
dan Pimpinan Cabang,untuk mengupayakan Branch Managers, to pursue Fraud prevention
langkah-langkah pencegahan (prevention) dan and detection measures.
pendeteksian (detection) Fraud.
Manajemen menempatkan upaya penciptaan Management assigns the creation of a
lingkungan pengendalian Anti Fraud yang conducive anti-fraud control environment to the
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kondusif kepada Bagian Anti Fraud Bank, untuk Bank's anti-fraud department, to develop an
membangun rencana tindak program action plan for the fraud prevention program,
pencegahan Fraud, dan mengambil tindakan and take the necessary actions to add value to
yang diperlukan untuk memberi nilai tambah the Bank's organization.
bagi organisasi Bank.
Pilar Penerapan Strategi Anti Fraud Bank Mestika
Bank Mestika's Anti Fraud Strategy Implementation Pillars
Strategi Anti Fraud Bank Mestika Bank Mestika's Anti Fraud Strategy
Pilar pencegahan memuat perangkat- The prevention pillar contains tools aimed at
perangkat yang ditujukan untuk reducing the potential for Fraud, steps to
mengurangi potensi terjadinya Fraud, reduce the potential risk of Fraud, including
langkah untuk mengurangi potensi risiko Anti Fraud awareness, identification of
terjadinya Fraud, mencakup kesadaran Anti vulnerabilities, and know your employee
Fraud, identifikasi kerawanan, dan policies.
kebijakan mengenal pegawai.
Pilar deteksi memuat langkah untuk The detection pillar contains measures to
mengidentifikasi dan menemukan Fraud identify and discover Fraud in the Bank's
dalam kegiatan usaha Bank, yang mencakup business activities, which include Surprise
Mekanisme Pemeriksaan Mendadak Audit Mechanism, Surveillance System and
(Surprise Audit), Sistem Pengawasan Whistleblowing, as well as other measures
(Surveilance System) dan Penanganan required for Fraud detection.
Pengaduan (Whistleblowing), serta langkah
lain yang diperlukan untuk deteksi Fraud.
Pilar investigasi, pelaporan, dan sanksi The pillars of investigation, reporting, and
mencakup langkah untuk penyelidikan atau sanctions include steps for investigation or
investigasi, sistem pelaporan, dan inquiry, reporting system, and imposition of
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pengenaan sanksi terhadap kejadian Fraud sanctions on the occurrence of Fraud in the
dalam kegiatan usaha Bank, serta langkah Bank's business activities, as well as other
lain yang diperlukan untuk investigasi, steps required for investigation, reporting,
pelaporan, dan pengenaan sanksi. and imposition of sanctions. Investigations
Investigasi dilakukan untuk mengumpulkan are conducted to collect evidence related to
bukti-bukti yang terkait dengan kejadian events that are suspected of being an act of
yang patut diduga merupakan tindakan Fraud.
Fraud.
Pilar pemantauan, evaluasi, dan tindak The monitoring, evaluation, and follow-up
lanjut mencakup langkah untuk melakukan pillar includes steps to monitor, evaluate,
pemantauan, evaluasi, dan menindaklanjuti and follow up on Fraud, as well as other
Fraud, serta langkah lain yang diperlukan steps required for monitoring, evaluation,
untuk pemantauan, evaluasi, dan tindak and follow-up.
lanjut.
Implementasi Pilar Pillar Implementation
Sosialisasi Anti Fraud Anti-fraud Socialization
Bagian Anti Fraud senantiasa melakukan The Anti Fraud Section always conducts Anti
sosialisasi Anti Fraud baik kepada seluruh Fraud socialization to all new and existing
pegawai baru dan pegawai existing maupun employees as well as to external parties
kepada pihak luar yang berhubungan related to the Bank. The socialization
dengan Bank. Sosialisasi yang diberikan emphasizes on the policy and commitment
ditekankan pada kebijakan dan komitmen to zero tolerance for Fraud. Bank Mestika
untuk tidak memberikan toleransi pada also conducts socialization in the form of
tindakan Fraud. Bank Mestika juga animations, content or informative videos
melakukan sosialisasi dalam bentuk that are easily understood by all parties,
animasi, konten ataupun video informatif especially new employees so that the
yang mudah dimengerti oleh seluruh pihak information conveyed is well channeled.
khususnya pegawai yang baru bergabung
sehingga informasi yang disampaikan
tersalurkan dengan baik.
Topik/ materi sosialisasi disesuaikan Socialization topics/materials are adjusted
dengan perkembangan bisnis, kejadian to business developments, fraud events,
fraud, peraturan regulator serta kebutuhan regulatory regulations and the Bank's
internal Bank sehingga sosialisasi yang internal needs so that the socialization
diberikan lebih terarah dan efektif. provided is more focused and effective.
Bagian Anti Fraud juga bertanggung jawab The Anti Fraud Section is also responsible for
sebagai pelaksana fungsi membangun implementing the function of building a
budaya dan kebijakan/ prosedur Speak-Up Speak-Up Policy culture and policies/
Policy dalam proses pelaporan keuangan procedures in the Bank's financial reporting
Bank, termasuk awareness memberikan process, including awareness of providing
informasi kepada Otoritas Jasa Keuangan information to the Financial Services
dalam hal timbulnya salah saji secara Authority in the event of material
material dan atau kelemahan yang misstatements and or significant
signifikan dalam proses pelaporan weaknesses in the Bank's financial reporting
keuangan Bank. process.
Deklarasi Anti Fraud Anti-Fraud Declaration
Setelah dilaksanakan sosialisasi, seluruh After the socialization, all employees are
karyawan wajib menandatangani Pakta required to sign the Integrity Pact and for
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Integritas dan bagi setiap vendor, supplier, each vendor, supplier, or party that will be
atau pihak yang akan berhubungan dengan in contact with the Bank, is also required to
Bank, juga diwajibkan untuk mengisi dan fill in and sign the Integrity Pact that has
menandatangani Pakta Integritas yang telah been prepared template according to the
disiapkan template sesuai format Bank Bank's format on third party Letterhead or
pada Kop Surat pihak ketiga atau dapat can be added to the cooperation agreement
ditambahkan pada dokumen perjanjian document which at least includes:
kerjasama yang paling sedikit mencakup:
o Berkomitmen untuk menjalankan o Committed to conduct transparent and
aktivitas bisnis yang transparan dan healthy business activities;
sehat;
o Berkomitmen untuk tidak melakukan o Committed to not giving in any form
pemberian dalam bentuk apapun (gratification) including not limited to
(gratifikasi) termasuk tidak terbatas employees or management or Board of
kepada karyawan atau manajemen Directors of PT Bank Mestika Dharma
atau Direksi PT Bank Mestika Dharma Tbk;
Tbk;
o Berkomitmen untuk melaporkan o Committed to report to the Anti Fraud
kepada Bagian Anti Fraud PT Bank Section of PT Bank Mestika Dharma Tbk
Mestika Dharma Tbk untuk setiap for any indication, allegation, request or
indikasi, dugaan, permintaan maupun act of gratification from employees or
perbuatan gratifikasi dari karyawan management or Board of Directors of PT
atau manajemen atau Direksi PT Bank Bank Mestika Dharma Tbk.
Mestika Dharma Tbk.
Penerapan Fraud Detection System Implementation of Fraud Detection System
Implementasi Strategi Anti Fraud yang The implementation of the Anti-Fraud
didalamnya mencakup monitoring melalui Strategy, which includes monitoring through
sistem FDS (Fraud Detection System) the FDS (Fraud Detection System) system, is
ditetapkan melalui Surat Keputusan dengan stipulated in the Decision Letter with the
perubahan terbaru No.054/SK- latest amendment No.054/SK-
BMD/DIR/2024 tentang Penerapan Strategi BMD/DIR/2024 concerning the
Anti Fraud yang dilaksanakan oleh Bagian Implementation of the Anti-Fraud Strategy
Anti Fraud. implemented by the Anti-Fraud Section.
Sistem FDS (Fraud Detection System) dapat The FDS (Fraud Detection System) system
mendeteksi transaksi indikasi fraud secara can detect fraud indication transactions in
real-time sesuai rules yang telah real-time according to predetermined rules.
ditetapkan. Untuk rules dan parameter The rules and parameters used in the FDS
yang digunakan pada sistem FDS (Fraud (Fraud Detection System) system can be
Detection System) dapat dilakukan adjusted and improved in line with business
adjustment dan improvement seiring developments and banking transactions.
perkembangan bisnis dan transaksi
perbankan.
Selanjutnya sistem FDS (Fraud Detection Furthermore, the FDS (Fraud Detection
System) akan menjalankan action yang System) system will carry out predetermined
telah ditetapkan apabila transaksi terpicu actions if the transaction is triggered by one
oleh salah satu rules, serta memberi of the rules, and provide real-time
pemberitahuan atau notifikasi secara real- notification or notification to fraud
time kepada petugas pemantau fraud. monitoring officers.
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Pelaporan Reporting
Bank senantiasa secara aktif menerapkan The Bank continues to actively implement anti-
strategi anti fraud dalam aktivitas operasional fraud strategies in its operational activities and
dan fungsinya, serta melakukan edukasi dan functions, as well as conducting education and
sosialisasi kepada karyawan baru dan karyawan socialization to new and existing employees to
existing untuk menumbuhkan kesadaran raise employee awareness. The Bank also
karyawan. Bank juga memberikan konten provides educational content periodically
edukatif secara berkala melalui media sosial through Bank Mestika's official social media
resmi Bank Mestika yang ditujukan kepada aimed at all Bank Mestika stakeholders.
seluruh stakeholder Bank Mestika.
Jumlah Penyimpangan Intern yang terjadi dan Number of Internal Deviations that occurred
upaya penyelesaian Bank. and the Bank's resolution efforts.
Bank senantiasa secara aktif menerapkan The Bank continues to actively implement anti-
strategi anti fraud dalam aktivitas operasional fraud strategies in its operational activities and
dan fungsinya, serta melakukan edukasi dan functions, as well as conducting education and
sosialisasi kepada karyawan baru dan karyawan socialization to new and existing employees to
existing untuk menumbuhkan kesadaran raise employee awareness. The Bank also
karyawan. Bank juga memberikan konten provides educational content periodically
edukatif secara berkala melalui media sosial through Bank Mestika's official social media
resmi Bank Mestika yang ditujukan kepada aimed at all Bank Mestika stakeholders.
seluruh stakeholder Bank Mestika.
Jumlah Kasus yang Dilakukan oleh/
Total number of cases committed by
Pegawai Tidak Tetap
Penyimpangan (Internal Fraud) dalam 1 Anggota Direksi dan dan Tenaga Kerja
Pegawai Tetap
tahun/ Anggota Dewan Alih Daya
Permanent
Internal Fraud in 1 year Komisaris Non-Permanent
Employee
BoC and BoD Employees and
Outsourced Labor
2023 2024 2023 2024 2023 2024
Total Fraud
- - - - - -
Number of Fraud
Telah Diselesaikan
- - - - - -
Solved
Dalam Proses Penyelesaian di Internal Bank
- - - - - -
In the Process of Internal Settlement
Belum Diupayakan Penyelesaian
- - - - - -
Settlement Not Yet Attempted
Telah Ditindaklanjuti melalui Proses Hukum
- - - - - -
Followed-up Through Legal Process
23. Sistem Pelaporan Pelanggaran 23. Whistleblowing System
Sistem Pelaporan Pelanggaran (whistleblowing The whistleblowing system is intended to improve
system) ditujukan untuk meningkatkan efektivitas the effectiveness of the implementation of the Fraud
penerapan sistem pengendalian Fraud dengan Control System by emphasizing the disclosure of
menitikberatkan pada pengungkapan dari complaints.
pengaduan.
Kebijakan Bank Mestika menerapkan Speak Up Bank Mestika implements Speak Up Policy as Bank
Policy sebagai Whistleblowing System Bank Mestika Mestika's Whistleblowing System which further
yang mengatur lebih lanjut mengenai proses dan regulates the process and method of accountability
metode pertanggung-jawaban karyawan sebagai of employees as individuals and employees of the
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individu dan karyawan Bank, untuk berbicara, Bank, to speak up, convey ideas, suggestions, and
menyampaikan ide, saran, dan masukan/ kritik, input/criticism, make notes as a form of
membuat catatan sebagai bentuk pertanggung- accountability, confidentially report practices or
jawaban, melaporkan secara confidential praktik- actions that violate general provisions, legal
praktik atau tindakan yang melanggar ketentuan provisions or internal Bank provisions to the Top
umum, ketentuan hukum atau ketentuan internal Management of Bank Mestika.
Bank kepada Top Management Bank Mestika.
Cara Penyampaian Laporan Pelanggaran Ways to Submit Violation Reports
Pelapor dapat menyampaikan pengaduan Whistleblowers can submit fraud-related
terkait fraud melalui media: complaints through the media:
Whistleblowing System (WBS) di website Whistleblowing System (WBS) on Bank
Bank Mestika, Mestika's website,
Surat Tertutup ke Bagian Anti Fraud, atau Closed Letter to Anti Fraud Section, or
Email ke Email to
fraudmanagement@bankmestika.co.id fraudmanagement@bankmestika.co.id
Adapun efektivitas penerapan Whistleblowing As for the effectiveness of the implementation of
System Bank Mestika, jenis pengaduan yang Bank Mestika's Whistleblowing System, the types
dapat disampaikan mencakup : of complaints that can be submitted include:
Ide, Saran, Masukan atau Pertanyaan Ideas, Suggestions, Feedback or Questions
kepada Manajemen. to Management.
Pelanggaran terhadap Code of Conduct. Violation of the Code of Conduct.
Tindakan/ Perbuatan Yang Dikategorikan Actions/Acts Categorized as criminality.
sebagai kriminalitas.
Pelanggaran terhadap prinsip kerahasiaan Violation of the Bank's confidentiality
Bank. principles.
Semua potensi risiko yang tidak All unidentified potential risks, including
teridentifikasi, termasuk risiko kepada risks to the public and Bank employees.
publik dan karyawan Bank.
Penggunaan dana Bank yang tidak disetujui Use of Bank funds not approved by Bank
oleh kebijakan Bank, kemungkinan policy, possible fraud, or violation of Bank
kecurangan, atau pelanggaran kebijakan policies and procedures as well as other
dan prosedur Bank serta ketentuan umum general provisions and laws.
dan UU lainnya.
Tindakan lainnya yang dikategorikan tidak Other acts categorized as inappropriate,
layak, seperti: penggunaan kata-kata , such as: use of words, sexual harassment
pelecehan seksual (secara kata maupun (verbal or physical).
fisik).
Perlindungan Pelapor Whistleblower Protection
Manajemen Bank Mestika berkomitmen agar The management of Bank Mestika is committed
karyawan Bank dapat menjalankan kebijakan ini to enable the Bank's employees to implement
tanpa rasa takut, dan menjamin tidak akan this policy without fear, and guarantees that it
mengijinkan Atasan atau pejabat untuk will not allow any supervisor or official to
melakukan pemutusan hubungan kerja, terminate, harass, pressure employees who
melecehkan, menekan pegawai yang implement this policy (including through work
menjalankan kebijakan ini (termasuk dengan pressure), discriminate or be disadvantaged in
cara melalui tekanan kerja), diskriminasi atau the future.
dirugikan di kemudian hari.
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Penanganan Pengaduan Complaint Handling
Tahapan dalam penanganan pengaduan yang Stages in handling complaints received in Bank
diterima pada Whistleblowing System Bank Mestika's Whistleblowing System:
Mestika:
Pihak yang mengelola Pengaduan Parties managing Complaints
Pengaduan yang diterima pada Whistleblowing Complaints received in Bank Mestika's
System Bank Mestika dikelola oleh Bagian Anti Whistleblowing System are managed by the
Fraud yang dijalankan dengan mengacu pada Anti Fraud Section which is carried out by
Kebijakan dan Prosedur Tertulis Penerapan referring to the Policy and Written Procedures
Strategi Anti Fraud yang berlaku serta peraturan for the Implementation of the Anti Fraud
perundang-undangan terkait yang berlaku. Strategy in force as well as the relevant
applicable laws and regulations.
Regulasi yang terkait dengan Pengaduan Fraud Regulations related to Fraud Complaints
Pelapor dapat menyampaikan pengaduan Whistleblowers can submit complaints
terkait kegiatan atau aktivitas yang terkait related to activities or activities related to
fraud sesuai dengan ketentuan regulator fraud in accordance with regulatory
mengenai fraud. provisions regarding fraud.
Pelapor dapat menyampaikan pengaduan The reporter can submit complaints related
terkait kegiatan atau aktivitas yang terkait to activities or activities related to fraud in
fraud sesuai dengan ketentuan regulator accordance with the provisions of the
mengenai Laporan Keuangan Bank. regulator regarding Bank Financial
Pelapor dapat menyampaikan pengaduan Statements.
terkait kegiatan atau aktivitas yang terkait The reporter can submit complaints related
fraud sesuai dengan ketentuan regulator to activities or activities related to fraud in
mengenai sistem pembayaran. accordance with the provisions of the
Pelapor dapat menyampaikan pengaduan regulator regarding the payment system.
terkait kegiatan atau aktivitas yang terkait The reporter can submit complaints related
fraud sesuai dengan ketentuan regulator to activities or activities related to fraud in
lainnya yang berlaku. accordance with the provisions of other
applicable regulators.
Hasil dari penanganan Pengaduan Results of Complaint handling
Pada tahun 2024 tidak terdapat pengaduan In 2024 there were no complaints received in the
yang diterima pada Whistleblowing System. Whistleblowing System. Bank Mestika
Bank Mestika senantiasa memberikan edukasi continues to provide education and
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dan pengembangan pada Whistleblowing development on the Bank's Whistleblowing
System Bank sehingga dapat memberikan hasil System so that it can provide maximum results.
yang lebih maksimal.
24. Kebijakan Anti Korupsi 24. Anti Corruption Policy
Program dan Prosedur yang dilakukan dalam Programs and procedures in place to address
mengatasi praktik korupsi, balas jasa corruption, kickbacks, fraud, bribery and/or
(kickbacks), fraud, suap dan/ atau gratifikasi gratuities
Bank Mestika memiliki Pedoman dan Kebijakan Bank Mestika has Guidelines and Policies for the
Penerapan Strategi Anti Fraud yang mengacu Implementation of Anti Fraud Strategy which
pada POJK No. 12 tahun 2024 terkait Penerapan refers to POJK No. 12 of 2024 related to the
Strategi Anti Fraud bagi Lembaga Jasa Implementation of Anti Fraud Strategy for
Keuangan yang menjadi pedoman bagi seluruh Financial Services Institutions which serves as a
organisasi Bank dalam memastikan tidak guideline for the entire organization of the Bank
terjadinya fraud di lingkungan perbankan. in ensuring no fraud in the banking environment.
Pada Kebijakan dimaksud juga diatur mengenai The policy also regulates the limits of gratuities
Batasan Pemberian Gratifikasi Yang Diberikan given in accordance with the scope determined
Sesuai Dengan Lingkup Yang Ditetapkan Oleh by the Bank and the limits of the practice of
Bank dan Batasan Praktik Pemberian/ giving/receiving facilities, gifts, and
Penerimaan Fasilitas, Hadiah, Dan Sponsor Baik sponsorships both internally and externally.
Di Lingkup Internal Maupun Eksternal.
Setiap karyawan tidak diperkenankan untuk Every employee is not allowed to give and / or
memberi dan/ atau menerima segala bentuk receive any form of gratification from other
gratifikasi dari pihak lain sebagai bentuk balas parties as a form of reward related to his work
jasa yang berhubungan dengan pekerjaannya or position because any gratification to a civil
atau jabatannya dikarenakan setiap gratifikasi servant or state organizer is considered a bribe,
kepada pegawai negeri atau penyelenggara if it is related to his position and contrary to his
negara dianggap pemberian suap, apabila obligations or duties.
berhubungan dengan jabatannya dan
berlawanan dengan kewajiban atau tugasnya.
Apabila terdapat pemberian/ penerimaan If there is a provision / acceptance of facilities,
fasilitas, hadiah dan sponsor baik di lingkup gifts and sponsorship both within the scope to
kepada dan/ atau dari penyelenggara negara and / or from state officials that is not possible
yang tidak memungkinkan untuk dihindari to avoid (for example because of culture /
(contoh karena kebudayaan / hari raya / wisuda holidays / graduation / and or similar events),
/ dan atau acara sejenisnya), maka dapat then an exception can be given with a nominal
diberikan pengecualian dengan batasan limit of up to Rp 1,000,000, - per giver in each
nominal paling banyak hingga Rp 1.000.000,- event.
per pemberi dalam setiap acara.
Apabila terdapat pemberian/ penerimaan/ If there is a gift / acceptance / rejection that
penolakan yang melebihi batasan nominal yang exceeds the predetermined nominal limit, the
telah ditentukan maka karyawan harus employee must make a report and declaration
membuat laporan dan deklarasi pada media on the gratification media provided by the Bank
gratifikasi yang telah disediakan oleh Bank with the knowledge of the direct supervisor. The
dengan diketahui oleh atasan langsung. Batas deadline for reporting gratuities is given no later
waktu pelaporan gratifikasi diberikan paling than 5 (five) working days from the date the
lambat 5 (lima) hari kerja sejak tanggal gratuity is given and specifically for the receipt
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gratifikasi diberikan dan khusus untuk of gratuities after being declared must be
penerimaan gratifikasi setelah dideklarasikan submitted to the Bank to be decided by the
wajib diserahkan kepada Bank untuk allocation management.
diputuskan Manajemen peruntukannya.
Pelatihan/sosialisasi anti korupsi kepada Anti-corruption training/socialization to
karyawan. employees.
Dalam penerapan salah satu pilar Strategi Anti In implementing one of the pillars of the Anti
Fraud yakni pilar pencegahan, Bagian Anti Fraud Strategy, namely the prevention pillar, the
Fraud juga melakukan sosialisasi dan edukasi Anti Fraud Section also conducts socialization
baik internal maupun eksternal, baik kepada and education both internally and externally,
karyawan baru maupun karyawan existing both to new employees and existing employees
termasuk kepada karyawan outsourcing terkait including outsourced employees related to Anti
Anti Fraud Awareness. Pada sosialisasi yang Fraud Awareness. The socialization also covers
dilakukan juga mencakup mengenai program the anti-corruption program which includes the
anti korupsi yang didalamnya juga termasuk practice of bribery and/or gratuities to the
praktik suap dan/ atau gratifikasi kepada Bank's internal employees.
karyawan internal Bank.
Pada tahun 2024, Bank telah melaksanakan In 2024, the Bank has conducted face-to-face
sosialisasi secara tatap muka sebanyak 5 kali socialization 5 times with a total of 320
dengan total peserta 320 orang. Bank juga participants. The Bank also provides video
memberikan video learning dan konten edukasi learning and interesting educational content
menarik terkait Anti Fraud dan/ atau Anti related to Anti Fraud and/or Anti Corruption on
Korupsi pada media sosial resmi Bank dengan the Bank's official social media with a total
total interaksi sebanyak 19,492 views melalui interaction of 19,492 views through a total of 13
total 13 (tiga belas) konten. Bank Mestika (thirteen) contents. Bank Mestika continues to
senantiasa memberikan edukasi dan sosialisasi provide education and socialization to all Bank
kepada seluruh stakeholder Bank sesuai dengan stakeholders in accordance with business
perkembangan bisnis dan aktivitas fraud yang developments and increasingly varied fraud
semakin variatif. activities.
25. Pengendalian Dalam Proses Laporan Keuangan 25. Controls in the Bank Financial Statement Process
Bank
Sehubungan dengan Peraturan Otoritas Jasa In accordance with the Financial Services Authority
Keuangan Nomor 15 Tahun 2024 tentang Integritas Regulation No. 15 of 2024 on Bank Financial
Pelaporan Keuangan Bank, Bagian Anti Fraud Reporting Integrity, the Anti Fraud Section is
ditunjuk sebagai penanggung jawab atas appointed as the person responsible for the
pencegahan kecurangan atau manipulasi dalam prevention of fraud or manipulation in Bank
Informasi Keuangan dan Laporan Keuangan Bank Mestika's Financial Information and Financial
Mestika. Bank telah menyusun, menetapkan dan Statements. The Bank has developed, established
memastikan penerapan kebijakan dan prosedur and ensured the implementation of internal control
pengendalian internal dalam proses pelaporan policies and procedures in the Bank's financial
keuangan Bank yang mengacu pada Surat reporting process which refers to Decree No.056/SK-
Keputusan No.056/SK-BMD/DIR/2024 tanggal 19 BMD/DIR/2024 dated November 19, 2024 regarding
November 2024 perihal Implementasi Integritas Implementation of Bank Financial Reporting
Pelaporan Keuangan Bank dan Surat Edaran Integrity and Circular Letter No.154/SE-
No.154/SE-BMD/DIR/2024 tanggal 22 November BMD/DIR/2024 dated November 22, 2024 regarding
2024 perihal Implementasi Integritas Pelaporan Implementation of Bank Financial Reporting
Keuangan Bank melalui Penyesuaian Kebijakan, Integrity through Adjustment of Policies, Procedures
Prosedur dan Sistem Pengendalian Internal. and Internal Control Systems.
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Pengendalian internal yang dilakukan oleh Direksi Internal controls carried out by the Board of
dalam proses Laporan Keuangan Bank yang diatur Directors in the process of the Bank's Financial
dalam kebijakan dan prosedur paling sedikit telah Statements which are regulated in policies and
memuat sesuai dengan ketentuan pada POJK 15 procedures have at least contained in accordance
tahun 2024 yakni: with the provisions in POJK 15 of 2024, namely:
Larangan bagi seluruh Direksi, Dewan Komisaris Prohibition for all Directors, Board of
Bank Umum, Dewan Komisaris BPR, Dewan Commissioners of Commercial Banks, Board of
Pengawas Syariah, Pemegang Saham Commissioners of BPR, Sharia Supervisory
Pengendali, Pejabat Eksekutif, dan pegawai Board, Controlling Shareholders, Executive
Bank untuk melakukan aktivitas yang dapat Officers, and Bank employees to carry out
menyebabkan Informasi Keuangan dan Laporan activities that may cause Financial Information
Keuangan tidak mencerminkan kondisi and Financial Statements not to reflect the
sebenarnya secara material; actual conditions materially;
Prosedur pencatatan transaksi keuangan Procedures for recording financial transactions
sehingga Laporan Keuangan dapat dipersiapkan so that Financial Statements can be prepared in
sesuai dengan standar akuntansi keuangan dan accordance with financial accounting standards
ketentuan Otoritas Jasa Keuangan mengenai and Financial Services Authority regulations
pencatatan transaksi keuangan; regarding recording financial transactions;
Prosedur pemeliharaan catatan atas transaksi Procedures for maintaining records of financial
keuangan sehingga catatan merefleksikan transactions so that the records reflect fair and
transaksi keuangan yang wajar dan akurat. accurate financial transactions.
Prosedur untuk memastikan bahwa transaksi Procedures to ensure that financial transactions
keuangan telah dijalankan dan disetujui oleh have been executed and approved by authorized
pihak yang berwenang; dan parties; and
Prosedur untuk mencegah atau mendeteksi secara Procedures to prevent or detect in a timely manner
tepat waktu transaksi tidak sah (unauthorized unauthorized transactions that may have a material
transactions) yang dapat menimbulkan dampak impact on the Bank's Financial Statements.
material dalam Laporan Keuangan Bank.
26. Permasalahan Hukum 26. Legal Issues
Permasalahan hukum adalah permasalahan hukum Legal issues are civil legal issues and criminal legal
perdata dan permasalahan hukum pidana yang issues faced by the Bank during the reporting period
dihadapi Bank selama periode tahun laporan dan and have been submitted through the legal process.
telah diajukan melalui proses hukum.
Jumlah/Number
Permasalahan Hukum/
Perdata/ Pidana/
Legal Issues
Civil Law Criminal Law
Telah Mendapatkan Putusan yang Mempunyai Kekuatan Hukum Tetap
3 0
Has Obtained a Verdict that has Permanent Legal Force
Dalam Proses Penyelesaian
3 0
In Process of Completion
Total 6 0
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Perincian perkara yang sedang dihadapi oleh Bank: Details of cases that are being faced by the Bank:
No. Pokok Perkara Status Penyelesaian
Cases Completion Status
1 Debitur VS Bank Mestika (Tergugat II) Menunggu hasil putusan Kasasi di Mahkamah Agung.
Debtor VS Bank Mestika (Defendant II) Waiting for the result of the cassation decision at the Supreme
Court.
2 Debitur VS Bank Mestika (Tergugat I) Masih berlangsung perkara pada Tingkat Pertama di Pengadilan
Debtor VS Bank Mestika (Defendant I) Negeri Medan.
The case is still ongoing at the First Level at the Medan District
Court.
3 Debitur VS Bank Mestika (Tergugat) Masih berlangsung perkara pada tingkat pertama di Pengadilan
Debtor VS Bank Mestika (Defendant) Negeri Jakarta.
The case is still ongoing at the First Level at the Jakarta District
Court.
Permasalahan hukum yang sedang dalam proses Legal issues that are in process have not
belum mempengaruhi bisnis dan kondisi keuangan significantly affected the Bank's business and
Bank secara signifikan serta belum berdampak pada financial condition and have not impacted the
risiko reputasi Bank. Bank's reputation risk.
Sepanjang tahun 2024, Bank Mestika tidak Throughout 2024, Bank Mestika does not face
menghadapi risiko yang signifikan terhadap significant risk of legal issues because based on the
permasalahan hukum yang ada karena berdasarkan results of self-assessment, Bank Mestika's legal risk
hasil penilaian sendiri (self-assessment), tingkat level is in the “low” position.
risiko hukum Bank Mestika berada di posisi “low”.
27. Transaksi yang mengandung Benturan 27. Transactions with Conflict of Interest
Kepentingan
Bank telah memiliki dan memperbaharui Pedoman The Bank has established and updated the Conflict
Benturan Kepentingan Dewan Komisaris dan Direksi of Interest Guidelines for the Board of
yang ditetapkan melalui Surat Keputusan Internal Commissioners and Directors as stipulated in the
Bank nomor 071/SK-BMD/DIR/2024 pada tanggal 19 Bank's Internal Decision Letter number 071/SK-
Desember 2024. Tidak terdapat transaksi yang BMD/DIR/2024 on December 19, 2024. There were
terindikasi mengandung benturan kepentingan di no transactions that indicated a conflict of interest
tahun 2024. in 2024.
No. Nama dan Jabatan Nama dan Jenis Transaksi Nilai Keterangan*)
Pihak yang memiliki Jabatan Type of transaction Transaksi Description*)
Benturan Pengambil (Jutaan
Kepentingan/ Keputusan/ Rupiah)
Name and Position of Name and Title
Party with Conflict of of Decision Transaction
Interest Maker Value
(in Millions
Rupiah)
- - - - - -
28. Pembelian Kembali (Buy Back) Saham dan/atau 28. Shares Buyback
Obligasi Bank
Sesuai dengan keputusan RUPST tanggal 27 Mei In accordance with the resolution of the AGMS dated
2024, Bank telah melakukan pembelian kembali May 27, 2024, the Bank has repurchased shares on
saham pada tanggal 2 September – 6 September September 2 - September 6, 2024 at an average price
2024 dengan harga rata-rata per saham Rp2,050.- per share of Rp2,050, amounting to 430,500 shares
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sejumlah 430,500 lembar saham dari total saham of the total issued shares. The repurchase was
yang diterbitkan. Pembelian kembali dilakukan conducted in order to provide variable remuneration
dalam rangka untuk pemberian Remunerasi yang to management and employees to comply with POJK
bersifat variabel kepada manajemen dan karyawan number 45/POJK.03/2015 and the realization has
untuk memenuhi POJK nomor 45/POJK.03/2015 dan been reported to OJK on January 6, 2025.
realisasinya telah dilaporkan kepada OJK pada
tanggal 6 Januari 2025.
Tidak terdapat perubahan laba per saham There is no change in earnings per share in relation
sehubungan dengan pelaksanaan pembelian to the share buyback in 2024.
kembali saham pada tahun 2024.
29. Informasi mengenai sanksi administratif Emiten 29. Information about Administrative Sanctions of
Emitents
Sepanjang tahun 2024, tidak ada sanksi During the year, there were no material
administratif material yang dikenakan kepada Bank, administrative sanctions imposed on the Bank,
anggota Direksi maupun anggota Dewan Komisaris. members of the Board of Directors or members of the
Board of Commissioners.
Sanksi administratif yang dikenakan Bank terkait Administrative sanctions charged to the Bank related
keterlambatan dan kesalahan penyampaian laporan to delays and errors in submitting reports to the
kepada regulator. regulator.
30. Kode Etik 30. Code of Ethics
Bank telah memiliki Kode Etik Bank melalui Surat The Bank has the Bank's Code of Ethics through the
Keputusan Tahun 2015 nomor 019/SK-BMD/2015 2015 Decree number 019/SK-BMD/2015 dated
tanggal 25 November 2015. Kode Etik Bank ini November 25, 2015. The Bank's Code of Ethics
menjadi pedoman standar bagi seluruh karyawan serves as a standard guideline for all Bank
Bank dalam bersikap dan bertingkah laku sesuai employees in behaving and conducting themselves
dengan prinsip-prinsip moral dan integritas dengan in accordance with the principles of morality and
memperhatikan berbagai ketentuan internal Bank. integrity with due observance of the Bank's internal
Kode Etik Bank juga tertuang dalam Good Practice regulations. The Bank's Code of Ethics is also
Guide (GPG), yang merupakan arahan dan contained in the Good Practice Guide (GPG), which
komitmen dari Manajemen Bank untuk is the direction and commitment of the Bank's
mengoptimalkan penerapan Good Corporate Management to optimize the implementation of the
Governance Bank. Bank's Good Corporate Governance.
Adapun Kode Etik Bank mencakup antara lain: The Bank's Code of Ethics includes, among others:
Komitmen terhadap Bank Commitment to the Bank
Komitmen terhadap Karyawan Commitment to Employees
Komitmen terhadap Nasabah Commitment to Customers
Komitmen terhadap Pihak Ketiga Commitment to Third Parties
Kontribusi terhadap Masyarakat & Lingkungan Contribution to Society & Environment
Interaksi Media dan Penampilan di Muka Media Interaction and Public Appearances
Umum
Penegakan & Sanksi Enforcement & Sanctions
Kode Etik Bank ini bersifat mengikat bagi setiap The Bank's Code of Ethics is binding for every
elemen organisasi Bank yang juga berlaku bagi element of the Bank's organization which also
anggota Direksi, anggota Dewan Komisaris serta para applies to members of the Board of Directors,
Karyawan Bank. Bank melalui SKAI secara berkala members of the Board of Commissioners and
melakukan sosialisasi Good Practice Guide (GPG) employees of the Bank. The Bank through SKAI
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kepada Karyawan Baru. Untuk setiap pelanggaran periodically socializes the Good Practice Guide
terhadap Kode Etik akan dikenakan sanksi sesuai (GPG) to new employees. For any violation of the
dengan peraturan/ketentuan yang berlaku. Code of Ethics, sanctions will be imposed in
accordance with applicable regulations / provisions.
31. Program Kepemilikan Saham oleh 31. Employee/Management Share Ownership
Karyawan/Manajemen Program
Bank Mestika belum memiliki program kepemilikan Bank Mestika does not yet have a share ownership
saham atau manajemen. Namun, sebagai or management program. However, as a public
perusahaan publik, Bank Mestika berkewajiban company, Bank Mestika is obliged to comply with
memenuhi regulasi terkait pemberian remunerasi regulations related to the provision of variable
yang bersifat variabel kepada material risk taker remuneration to material risk takers, namely those
yakni pihak yang memiliki dampak material who have a material impact on the Company's risk
terhadap profil risiko Perusahaan atau aset yang profile or the assets it manages. The provision of
dikelolanya. Pemberian remunerasi yang bersifat variable remuneration is a form of the Company's
variabel ini merupakan bentuk pemenuhan fulfillment of:
Perseroan terhadap:
Peraturan Otoritas Jasa Keuangan nomor Financial Services Authority Regulation number
45/POJK.03/2015 tentang Penerapan Tata 45/POJK.03/2015 concerning the
Kelola dalam Pemberian Remunerasi Bagi Bank Implementation of Governance in the Provision
Umum dan of Remuneration for Commercial Banks and
Surat Edaran Otoritas Jasa Keuangan nomor Circular Letter of the Financial Services
40/SEOJK.03/2016 tentang Penerapan Tata Authority number 40/SEOJK.03/2016 on the
Kelola Dalam Pemberian Remunerasi Bagi Bank Implementation of Governance in Providing
Umum. Remuneration for Commercial Banks.
Pemberian remunerasi yang bersifat variabel ini This variable remuneration has been implemented
telah diimplementasikan Perseroan sejak tahun by the Company since 2017 until now.
2017 hingga saat ini.
Ketentuan pemberian remunerasi yang bersifat The provisions for granting variable remuneration
variabel kepada pihak penerima adalah: to the recipient are:
Menangguhkan pembayaran remunerasi Suspend the payment of remuneration of at
sedikitnya 10% (sepuluh persen) dari tantiem least 10% (ten percent) of the tantiem received.
yang diterima.
Remunerasi yang bersifat variabel ini diberikan This variable remuneration is given in the form
dalam bentuk saham Perseroan. of shares of the Company.
Remunerasi yang bersifat variabel ini wajib This variable remuneration must be deferred for
ditangguhkan paling sedikit selama 3 (tiga) at least 3 (three) years, but can be disbursed
tahun, namun dapat dicairkan setiap tahun every year proportionally.
secara proporsional.
Remunerasi yang ditangguhkan ini tidak berhak This deferred remuneration is not entitled to
atas pembagian dividen serta tidak berhak dividend distribution and is not entitled to vote
memberikan suara dalam Rapat Umum in the General Meeting of Shareholders held by
Pemegang Saham yang diadakan oleh the Company.
Perseroan.
Prosedur pemberian remunerasi adalah dengan The procedure for granting remuneration is to
menangguhkan dana remunerasi hingga saat suspend the remuneration funds until such time as
pengalihan dapat dilakukan. Masa penangguhan the transfer can be made. The deferral period for
remunerasi yang bersifat variabel ini selama 3 (tiga) this variable remuneration is for 3 (three) years and
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tahun dan dapat dialihkan secara proporsional can be transferred proportionally each year. The
setiap tahunnya. Pengalihan remunerasi ini akan transfer of this remuneration will be carried out by
dilakukan dengan mengkonversikan dana converting the deferred remuneration funds in the
remunerasi yang ditangguhkan dalam bentuk form of shares in the name of each recipient, namely
saham atas nama masing-masing penerima, yakni material risk takers.
material risk taker.
Pemberian remunerasi bersifat variabel ini tidak This variable remuneration does not have a
memberikan dampak negatif dan material terhadap negative and material impact on the Company's
keuangan Perseroan. Dikarenakan dana yang finances. This is because the funds used come from
digunakan berasal dari remunerasi pihak penerima the deferred remuneration of the recipient until the
yang ditangguhkan hingga masa pengalihan dapat transfer can be made. These funds are held in a
dilakukan. Dana ini disimpan dalam rekening temporary account that is not affected by interest
sementara yang tidak terpengaruh atas bunga or taxes related to banking services and services.
ataupun pajak terkait dengan jasa dan layanan
perbankan.
Hal ini merupakan kerangka upaya menerapkan This is a framework for implementing remuneration
kebijaksanaan pemberian remunerasi yang policies that pay attention to prudent risk taking so
memperhatikan prudent risk taking sehingga that the Company's business continuity can be
kelangsungan usaha Perseroan dapat terjaga dan maintained and will improve the Company's
akan meningkatkan kinerja Perseroan dikemudian performance in the future.
hari.
Perincian kepemilikan saham yang dimiliki oleh Details of share ownership owned by material risk
material risk taker adalah sebagai berikut: takers are as follows:
No. Nama MRT Total Keseluruhan Saham % Kepemilikan Saham
MRT’s Name yang dimiliki MRT % Share Ownership
Total Shares held by MRT
1 Achmad S. Kartasasmita 346,600 0.008474
2 Hendra Halim 338,200 0.008269
3 Andy 193,600 0.004733
4 Yusri Hadi 193,600 0.004733
5 Harun Ansari 178,400 0.004362
6 Witarsa Oemar 128,100 0.003132
7 Indra Halim 102,700 0.002511
8 Ratna Juwita 74,800 0.001829
9 Kornelius Damanik 51,300 0.001254
10 Edwar 2,900 0.000071
11 Alm. Albertus M. Dooradi Nihil Nihil
Total Keseluruhan 1,610,200 0.039368
32. Pemberian Dana untuk Kegiatan Sosial dan/atau 32. Providing Funds for Social Activities and/or
Kegiatan Politik Political Activities
Pemberian Dana untuk Kegiatan Sosial Funding for Social Activities
Tanggung Jawab Sosial dan Lingkungan adalah Social and Environmental Responsibility is the
komitmen Perseroan untuk berperan serta Company's commitment to participate in
dalam pembangunan ekonomi berkelanjutan sustainable economic development in order to
guna meningkatkan kualitas kehidupan dan improve the quality of life and the environment
lingkungan yang bermanfaat, baik bagi
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Perseroan sendiri, komunitas setempat, that is beneficial, both for the Company itself,
maupun masyarakat pada umumnya. the local community, and society in general.
Realisasi penyaluran dana CSR pada tahun 2024 The actual distribution of CSR funds in 2024
adalah sebesar Rp2,097,389,960, dengan amounted to Rp2,097,389,960, with details as
rincian sebagai berikut: follows:
Pendidikan : Rp87,749,955,- Education : Rp87,749,955,-
Kesehatan : Rp1,138,073,120,- Health : Rp1,138,073,120,-
Lingkungan Hidup : Rp312,371,000,- Environment : Rp312,371,000,-
Sosial Kemasyarakatan : Rp539,195,885,- Social Community : Rp539,195,885,-
Kedaruratan : Rp20,000,000,- Emergency : Rp20,000,000,-
Perincian kegiatan tanggung jawab sosial Details of the company's corporate social
perusahaan dijabarkan pada Laporan responsibility activities are outlined in the
Berkelanjutan. Sustainability Report.
Rincian pemberian dana untuk kegiatan sosial / Details of funding for social activities
LOKASI KANTOR TANGGAL REALISASI SEKTOR LOKASI JENIS KEGIATAN
OFFICE LOCATION PELAKSANAAN BIAYA SECTOR PELAKSANAAN TYPE OF ACTIVITY
DATE OF COST LOCATION
IMPLEMENTATION REALIZATION
KPO 05 Januari 2024 200,000,000 Kesehatan Lapangan Bantuan berupa dukungan dana
Health Benteng, Medan kegiatan BMPD Medan Run.
Assistance in the form of financial
support for BMPD Medan Run
activities.
Pematangsiantar 11 Januari 2024 5,000,000 Kesehatan Yayasan Dukungan dana turnamen olahraga
Health Methodist SMP dan SMA Yayasan Methodist
Pematangsiantar Pematangsiantar.
Funding support for the
Pematangsiantar Methodist
Foundation's junior and senior high
school sports tournaments.
KPO 27 Januari 2024 33,000,000 Sosial Vihara Tanjung Bantuan berupa 200 paket sembako
Kemasyarakatan Pura, Langkat untuk masyarakat kurang mampu
Social disekitar vihara.
Community Assistance in the form of 200 food
packages for underprivileged people
around the monastery.
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Padang 31 Januari 2024 9,905,500 Sosial Vihara Buddha Bantuan berupa pemberian
Kemasyarakatan Warman dan sembako.
Social Yayasan Buddha Assistance in the form of providing
Community Tzu Chi basic necessities.
KPO 01 Februari 2024 100,800,000 Sosial BPJS Bantuan berupa pendaftaran 1000
Kemasyarakatan Ketenagakerjaan orang pengemudi ojek online
Social kedalam BPJS Ketenagakerjaan.
Community Assistance in the form of registration
of 1000 online motorcycle taxi
drivers into BPJS Employment.
Tanjungbalai 02 Februari 2024 8,000,000 Sosial Kantor Cabang Bantuan berupa pemberian
Kemasyarakatan Pembantu sembako.
Social Tanjung Balai Assistance in the form of providing
Community basic necessities.
Kisaran 05 Februari 2024 14,098,000 Sosial Kantor Cabang Bantuan berupa sembako kepada
Kemasyarakatan Kisaran masyarakat kurang mampu dalam
Social menyambut hari raya Imlek.
Community Assistance in the form of basic
necessities to underprivileged
people in welcoming the Lunar New
Year.
KPO 13 Maret 2024 10,000,000 Sosial Rumah Yatim Bantuan berupa pemberian
Kemasyarakatan Piatu Mulia - sembako dan pemeriksaan
Social Karang Anyar kesehatan.
Community Jawa Tengah Assistance in the form of providing
basic necessities and health checks.
Padang 15 Maret 2024 11,517,000 Sosial HBT Pusat Bantuan berupa pemberian
Kemasyarakatan Padang sembako.
Social Assistance in the form of providing
Community basic necessities.
Padang 19 Maret 2024 20,000,000 Darurat Teras Istana Bantuan berupa dana untuk korban
Emergency Gubernuran bankir, bekerjasama dengan OJK FK
Sumatera Barat IJK Sumbar.
Assistance in the form of funds for
banker victims, in collaboration with
OJK FK IJK West Sumatra.
KPO 23 Maret 2024 10,000,000 Sosial Panti Asuhan Bantuan berupa santunan dan buka
Kemasyarakatan Mamiyai Jl. puasa bersama.
Social Bromo No. 25 Assistance in the form of
Community Medan compensation and breaking the fast
together.
Kisaran 02 April 2024 12,067,500 Sosial Kantor Cabang Bantuan berupa sembako ke Panti
Kemasyarakatan Kisaran Asuhan menyambut hari raya
Social Lebaran.
Community Assistance in the form of basic
necessities to the Orphanage to
welcome the Eid holiday.
Tanjungbalai 04 April 2024 8,000,000 Sosial Kantor Cabang Bantuan berupa pemberian
Kemasyarakatan Pembantu sembako.
Social Tanjung Balai Assistance in the form of providing
Community basic necessities.
Kisaran 05 April 2024 10,095,200 Sosial Panti Asuhan Bantuan berupa sembako ke Panti
Kemasyarakatan Muhammadyah Asuhan menyambut hari raya
Social Putra dan Putri Lebaran.
Community Assistance in the form of basic
necessities to the Orphanage to
welcome the Lebaran holiday
Pekanbaru 25 April 2024 48,232,920 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Pekanbaru Capaian sebanyak 200 labu darah.
Blood donor social activity. Achieved
200 flasks of blood.
Pematangsiantar 26 April 2024 20,086,000 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Pematangsiantar Capaian sebanyak 103 labu darah.
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Blood donor social activity. Achieved
103 flasks of blood.
Muara Karang 27 April 2024 30,318,350 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Muara Karang Capaian sebanyak 80 labu darah.
Blood donor social activity. Achieved
80 flasks of blood.
Biak 27 April 2024 30,617,900 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Biak Capaian sebanyak 62 labu darah.
Blood donor social activity. Achieved
62 flasks of blood.
KPO 01 Mei 2024 5,545,000 Sosial Dinas Bantuan berupa 50 paket sembako.
Kemasyarakatan Ketenagakerjaan Assistance in the form of 50 food
Social Kota Medan packages.
Community
Padang 04 Mei 2024 9,553,000 Sosial Panti Asuhan Pemberian sembako ke panti
Kemasyarakatan Adzikra, Panti asuhan dan bantuan dana tunai ke
Social Asuhan Amanah mesjid.
Community Putri dan Masjid Providing groceries to orphanages
Jami' Quwwatul and cash assistance to mosques.
Ummah
Padangsidimpuan 07 Mei 2024 26,055,250 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Padangsidimpuan Capaian sebanyak 100 labu darah.
Blood donor social activity. Achieved
100 flasks of blood.
Jambi 11 Mei 2024 20,120,514 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Jambi Capaian sebanyak 95 labu darah.
Blood donor social activity. Achieved
95 flasks of blood.
Surabaya 12 Mei 2024 31,743,700 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Surabaya Capaian sebanyak 155 labu darah.
Blood donor social activity. Achieved
155 flasks of blood.
Padang 14 Mei 2024 130,734,762 Kesehatan Universitas Kegiatan bakti sosial donor darah.
Health Negeri Padang Capaian sebanyak 1.630 labu darah.
Blood donor social activity. Achieved
1630 flasks of blood.
Palembang 18 Mei 2024 33,640,300 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Palembang Capaian sebanyak 123 labu darah.
Blood donor social activity. Achieved
123 flasks of blood.
Kisaran 21 Mei 2024 26,149,863 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Kisaran Capaian sebanyak 141 labu darah.
Blood donor social activity. Achieved
141 flasks of blood.
Rantauprapat 05 Juni 2024 30,575,592 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Rantauprapat Capaian sebanyak 159 labu darah.
Blood donor social activity. Achieved
159 flasks of blood.
Batam 06 Juni 2024 34,826,666 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
Health Batam Capaian sebanyak 69 labu darah.
Blood donor social activity. Achieved
69 flasks of blood.
KPO 01 Juli 2024 30,000,000 Pendidikan Yayasan Bantuan dana pendidikan untuk
Education Maitreyawira, anak kurang mampu (Gerakan
Deli Serdang Orang Tua Asuh)
Education funding for
underprivileged children (Gerakan
Orang Tua Asuh)
KPO 07 Juli 2024 25,750,000 Kesehatan Lapangan Partisipasi Bank Mestika dalam
Health Benteng, Medan mengirim runner dan pameran.
Bank Mestika's participation in
sending runners and exhibitions.
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KPO 17 Juli 2024 5,430,000 Lingkungan Musholla Al- Pembangunan Menara Air Toren
Hidup Hisab, Medan pada Musholla Al-Hisab
Environment Construction of Toren Water Tower
at Musholla Al-Hisab
KPO 25 Juli 2024 114,760,343 Kesehatan KPO dan 8 KCP Kegiatan bakti sosial donor darah.
Health Medan Capaian sebanyak 412 labu darah.
Blood donor social activity. Achieved
422 flasks of blood.
KPO 09 Agustus 2024 600,005 Pendidikan DKM Hidayatul Donasi untuk pembangunan rumah
Education Muhajirin, ibadah yang diselenggarakan
Jakarta melalui Webinar Perpajakan.
Donation for the construction of a
house of worship organized through
the Taxation Webinar.
KPO 13 Agustus 2024 19,699,950 Pendidikan Sekolah Luar Pemberian bantuan berupa
Education Biasa Karya komputer, proyektor, infocus dan
Murni, Medan mesin jahit.
Providing assistance in the form of
computers, projectors, infocus and
sewing machines.
KPO 17 Agustus 2024 5,000,000 Sosial Desa Sambirejo Partisipasi Perayaan HUT RI ke 78.
Kemasyarakatan Tembung, Percut Participation in the 78th Indonesian
Social Sei Tuan Independence Day Celebration.
Community
KPO 17 Agustus 2024 3,000,000 Sosial Lingkungan XVII Partisipasi Perayaan HUT RI ke 78.
Kemasyarakatan Tanjung Rejo, Participation in the 78th Indonesian
Social Deli Serdang Independence Day Celebration.
Community
KPO 18 Agustus 2024 11,944,300 Kesehatan Halaman Partisipasi Pekan QRIS Nasional yang
Health Universitas diadakan oleh Bank Indonesia.
Sumatera Utara Participation in the National QRIS
(USU) Week organized by Bank Indonesia.
Muara Karang 18 Agustus 2024 8,400,000 Kesehatan Bank Indonesia Kegiatan Fun Walk sebagai
Health Jakarta Rangkaian Kegiatan Festival Rupiah
Berdaulat Indonesia (FERBI) Tahun
2024.
Fun Walk Activity as a Series of
Activities of the Indonesian
Sovereign Rupiah Festival (FERBI)
Year 2024.
KPO 19 Agustus 2024 5,000,000 Sosial Ballroom BRI Dukungan dana kegiatan Ikatan
Kemasyarakatan Medan Wanita Bank.
Social Funding support for Bank Women's
Community Association activities.
Padang 20 Agustus 2024 7,450,000 Pendidikan TK- SD Tirtonadi, Bank Mestika Bantuan AC untuk TK-
Education Padang SD Tirtonadi.
Bank Mestika donated air
conditioner for Tirtonadi
Kindergarten.
KPO 25 Agustus 2024 3,000,000 Kesehatan AQ Futsal - KPO Dukungan dana pada Turnament
Health Bank Mestika Futsal.
Funding support for the Futsal
Tournament.
KPO 30 Agustus 2024 4,800,000 Kesehatan KPO Bank Pengadaan Alat Olahraga Tenis
Health Mestika Lapangan bersama BMPDSU.
Procurement of Tennis Court
Equipment with BMPDSU.
Kisaran 17 September 30,000,000 Pendidikan Yayasan Bantuan dana pembangunan
2024 Education Maitreyawira perluasan gedung sekolah
Maitreyawira.
Funding for the expansion of the
Maitreyawira school building.
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Kisaran 20 September 12,139,000 Sosial Kantor Cabang Bantuan pemberian sembako dalam
2024 Kemasyarakatan Kisaran rangka merayakan Natal.
Social Assistance in providing basic
Community necessities in order to celebrate
Christmas.
Padang 26 September 5,191,524 Sosial Universitas Penambahan Sarana Penunjang
2024 Kemasyarakatan Negeri Padang Kegiatan Relawan KSR PMI UNP
Social (UNP) Padang.
Community Addition of Supporting Facilities for
KSR PMI Volunteer Activities UNP
Padang.
KPO 06 Oktober 2024 20,000,000 Kesehatan Sinar Buddha Partisipasi dalam Jalan Sehat Seksi
Health BLIA, Medan Sosial Sinar Buddha BLIA.
Participation in the BLIA Sinar
Buddha Social Section Healthy Walk.
KPO 12 Oktober 2024 1,259,000 Kesehatan Halaman Kantor Partisipasi dalam kegiatan Fun Bike
Health Wilayah Bank oleh BMPD SU.
Mandiri, Medan Participation in Fun Bike activities by
BMPD SU.
KPO 30 Oktober 2024 306,941,000 Lingkungan Museum Program Peduli Lingkungan Hidup
Hidup Perkebunan dan Pemanfaatan Limbah.
Environment Indonesia, Environmental Care and Waste
Medan Utilization Program.
KPO 10 November 8,999,900 Kesehatan Lapangan Funwalk Lembaga Jasa Keuangan
2024 Health Merdeka, Medan bersama Forkom IJK.
Financial Services Institution
Funwalk with Forkom IJK.
KPO 17 November 188,167,209 Kesehatan Klinik Beautify, Sunat Massal Bersama Bank
2024 Health Medan Mestika.
Mass Circumcision with Bank
Mestika.
KPO 19 November 100,000,000 Sosial Yayasan Moral Bantuan dana pengadaan anggota
2024 Kemasyarakatan Sejati tubuh palsu untuk disabilitas.
Social Funding for the procurement of
Community prosthetic limbs for the disabled.
KPO 19 November 83,200,000 Sosial Museum Bantuan dana perbaikan sarana dan
2024 Kemasyarakatan Perjuangan TNI prasarana gedung museum
Social Funding for the improvement of
Community museum building facilities and
infrastructure
Rantauprapat 19 November 24,690,061 Sosial Panti Asuhan Bantuan pemberian sembako dan
2024 Kemasyarakatan Putra perlengkapan belajar.
Social Muhammadiyah, Assistance in providing basic
Community Panti Asuhan necessities and learning supplies.
Putri Al Wasliyah,
Panti Jompo
Sosial Lanjut Usia
KPO 23 November 14,400,000 Sosial Polrestabes Bantuan berupa 200 karung goni
2024 Kemasyarakatan Medan beras ukuran 5 kg.
Social The donation consisted of 200 5 kg
Community sacks of rice.
KPO 01 Desember 4,000,000 Kesehatan Perhimpunan Partisipasi kegiatan bakti sosial
2024 Health INTI Medan dengan menyumbangkan hadiah.
Participation in social activities by
donating gifts.
Pematangsiantar 03 Desember 27,608,500 Kesehatan Kantor Cabang Kegiatan bakti sosial donor darah.
2024 Health Pematangsiantar Blood donor social activity.
KPO 08 Desember 51,282,051 Kesehatan Lions Club, Bantuan Dukungan Operasi Mata
2024 Health Medan Katarak Acara Jalan Sehat Lions
Club.
Lions Club Healthy Walk Event
Cataract Eye Surgery Support
Assistance.
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Pematangsiantar 10 Desember 2,531,000 Sosial Yayasan Kunjungan / audiensi ke Yayasan
2024 Kemasyarakatan Rehabilitasi Rehabilitasi Harapan.
Social Harapan, Visit / audience to Harapan
Community Pematangsiantar Rehabilitation Foundation.
Padang 17 Desember 7,557,100 Sosial Panti Asuhan Bantuan pemberian sembako dalam
2024 Kemasyarakatan Sanak Emma & rangka merayakan Natal.
Social St. Leo, Padang Assistance in providing basic
Community necessities in order to celebrate
Christmas.
KPO 20 Desember 25,000,000 Sosial GOR Astaka, Bantuan Kegiatan Natal Oikumene
2024 Kemasyarakatan Pancing - Medan Provinsi Sumatera Utara.
Social Assistance for Oikumene Christmas
Community Activities in North Sumatra Province.
Batam 23 Desember 8,906,000 Sosial Panti Asuhan Bantuan pemberian sembako dalam
2024 Kemasyarakatan Samaria Fao, rangka merayakan Natal.
Social Batam Assistance in providing basic
Community necessities in order to celebrate
Christmas.
TOTAL KESELURUHAN 2,097,389,960
Pemberian Dana untuk Kegiatan Politik Funding for Political Activities
Bank tidak memiliki pemberian dana untuk The Bank has no provision of funds for political
kegiatan politik. activities.
33. Penerapan atas pedoman Tata kelola Perusahaan 33. Implementation of The Guidelines on Public
Terbuka bagi Emiten yang menerbitkan efek Company Governance
bersifat ekuitas atau Perusahaan Publik
No. 5 (five) 8 (eight) 25 (twenty five) Implementation
Aspects Principles Recommendations
1 Hubungan Meningkatkan Perusahaan terbuka Didalam penyelenggaraan RUPS
Perusahaan Nilai memiliki cara atau Tahunan sesuai yang diatur
Terbuka Penyelenggaraan prosedur teknis dalam Anggaran Dasar
dengan Rapat Umum pengumpulan suara Perusahaan bahwa untuk
Pemegang Pemegang Saham (voting) secara terbuka pengambilan suara dalam
Saham dalam (RUPS). maupun tertutup yang keputusan jika tidak ada
menjamin Increasing the mengedepankan kesepakatan maka dilakukan
Hak - Hak Value of independensi, dan melalui pengumpulan suara
Pemegang Organizing the kepentingan Pemegang terbanyak (voting).
Saham. General Meeting Saham. In organizing the Annual GMS in
Relationship of Shareholders Public companies have a accordance with the Company's
between (GMS). method or technical Articles of Association that for
Public Listed procedure for collecting voting in decisions if there is no
Company votes (voting) in an open or agreement, it is carried out
and closed manner that through the collection of the
Shareholders prioritizes independence, most votes (voting).
in ensuring and the interests of
Shareholders' Shareholders.
Rights. Seluruh Anggota Direksi Seluruh anggota Direksi dan
dan Anggota Dewan anggota Dewan Komisaris hadir
Komisaris Perusahaan dalam Rapat Umum Pemegang
Terbuka hadir dalam RUPS Saham tahun 2024.
Tahunan. All members of the Board of
All members of the Board Directors and members of the
of Directors and Board of Board of Commissioners
Commissioners of the attended the 2024 General
Meeting of Shareholders.
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Public Listed Company
attended the AGMS.
Ringkasan Risalah RUPS Setiap Berita Acara Hasil RUPS
tersedia dalam Situs Web telah dimuat dalam Situs Web
Perusahaan Terbuka paling Perusahaan sejak tahun 2015
sedikit selama 1 (satu) sampai dengan pelaksanaan
tahun. RUPS terakhir, RUPST tahun
Summary of GMS Minutes 2024.
is available on the Public Each GMS Minutes has been
Listed Company's Website published on the Company's
for at least 1 (one) year. Website since 2015 until the last
GMS, the 2024 AGMS.
Meningkatkan Perusahaan Terbuka Untuk meningkatkan kualitas
kualitas memiliki suatu kebijakan komunikasi dengan Pemegang
komunikasi komunikasi dengan Saham dan Investor,
Perusahaan Pemegang Saham atau Perusahaan memanfaatkan dan
Terbuka dengan Investor. meningkatkan informasi -
Pemegang Saham Public Listed Companies informasi baik melalui media
atau Investor have a communication maupun web Perusahaan
Improving the policy with Shareholders or (www. bankmestika.co.id).
quality of a Public Investors. To improve the quality of
Listed Company's communication with
communication Shareholders and Investors, the
with Shareholders Company utilizes and improves
or Investors. information - information both
through the media and the
Company's website (www.
bankmestika.co.id).
Perusahaan Terbuka Perusahaan telah meningkatkan
mengungkapkan Kebijakan kualitas komunikasi melalui
Komunikasi Perusahaan keterbukaan informasi yang
Terbuka dengan Pemegang dipublikasikan melalui media
Saham atau Investor dalam dan web perusahaan. (www.
Situs Web. bankmestika.co.id).
A Public Listed Company The company has improved the
discloses its quality of communication
Communication Policy with through information disclosure
Shareholders or Investors published through the media
on its Website. and company web. (www.
bankmestika.co.id).
2 Fungsi dan Memperkuat Penentuan Jumlah Komposisi Dewan Komisaris
Peran Dewan Keanggotaan dan Anggota Dewan Komisaris Perusahaan sesuai dengan
Komisaris. Komposisi Dewan mempertimbangkan Kondisi Perusahaan dan
Functions Komisaris. kondisi Perusahaan ketentuan yang berlaku.
and Roles of Strengthening the Terbuka. The composition of the
the BoC. Membership and Determination of the Company's Board of
Composition of the number of members of the Commissioners is in accordance
Board of Board of Commissioners with the Company's condition
Commissioners. considers the condition of and applicable regulations.
the Public Listed Company.
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Penentuan Komposisi Dalam menentukan komposisi
Anggota Dewan Komisaris Anggota Dewan Komisaris,
memperhatikan Perusahaan memperhatikan
keberagaman keahlian, keberagaman keahlian,
pengetahuan, dan pengetahuan dan pengalaman
pengalaman yang yang dibutuhkan untuk
dibutuhkan. memudahkan tugasnya dalam
Determination of the pengawasan Bank.
Composition of Members In determining the composition
of the Board of of the Board of Commissioners,
Commissioners takes into the Company takes into account
account the diversity of the diversity of skills, knowledge
expertise, knowledge and and experience required to
experience required. facilitate its duties in supervising
the Bank.
Meningkatkan Dewan Komisaris Bank telah menginikan
Kualitas mempunyai kebijakan Kebijakan Self-Assessment
Pelaksanaan Tugas penilaian sendiri (Self- Dewan Komisaris melalui Surat
dan Tanggung assessment) untuk menilai Keputusan No. 002/SK-BMD/
Jawab Dewan kinerja Dewan Komisaris. DIR/2025 tanggal 22 Januari
Komisaris The BOC has a self- 2025.
Improving the assessment policy to assess The Bank has instituted the
Quality of the the performance of the Board of Commissioners Self-
Implementation of BOC. Assessment Policy through
Duties and Decision Letter No. 002/SK-
Responsibilities of BMD/ DIR/2025 dated January
the Board of 22, 2025.
Commissioners Kebijakan Penilaian Sendiri Bank mengungkapan kebijakan
(Self-Assessment) untuk dan hasil penilaian Sendiri (Self
menilai kinerja Dewan assessment) Kinerja Dewan
Komisaris, diungkapkan Komisaris dalam Laporan
melalui Laporan Tahunan Tahunan.
Perusahaan Terbuka. The Bank discloses the policy
The Self-Assessment policy and the results of the self-
to assess the performance assessment of the
of the Board of assessment of the Board of
Commissioners is disclosed Commissioners' performance in
in the Public Listed the Annual Report.
Company's Annual Report.
Dewan Komisaris Bank telah memiliki kebijakan
mempunyai Kebijakan terkait pengunduran diri
terkait pengunduran diri anggota Dewan Komisaris yang
anggota Dewan Komisaris telah tertuang dalam Pedoman
apabila terlibat dalam dan Tata Tertib Kerja Dewan
Kejahatan Keuangan. Komisaris yang telah dikinikan
The Board of berdasarkan Surat Keputusan
Commissioners has a Policy No.057/SK-BMD/DIR/2024
regarding the resignation tanggal 20 November 2024.
of members of the Board of The Bank has a policy related to
Commissioners if involved the resignation of members of
in Financial Crimes. the Board of Commissioners as
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stated in the Board of
Commissioners' Charter which
has been updated based on
Decree No.057/SK-
BMD/DIR/2024 dated
November 20, 2024.
Dewan Komisaris atau Bank telah memiliki Kebijakan
Komite yang menjalankan Suksesi Direksi & Komisaris yang
fungsi Nominasi dan disahkan berdasarkan Surat
Remunerasi menyusun Keputusan No. 024/SK-
kebijakan suksesi dalam BMD/DIR/2023 tanggal 13 April
proses Nominasi anggota 2023.
Direksi. The Bank has a Board of
The Board of Directors & Commissioners
Commissioners or the Succession Policy which was
Committee that carries out approved based on Decision
the Nomination and Letter No. 024/SK-
Remuneration function BMD/DIR/2023 dated April 13,
develops a succession 2023.
policy in the process of
nominating members of
the Board of Directors.
3 Fungsi dan Memperkuat Penentuan Jumlah Komposisi Anggota Direksi telah
Peran Direksi Keanggotaan dan Anggota Direksi disesuaikan dengan kondisi
Functions Komposisi Direksi mempertimbangkan Perusahaan Terbuka dan
and Roles of Strengthening the kondisi Perusahaan ketentuan yang berlaku.
the BoD Membership and Terbuka serta efektivitas The composition of the Board of
Composition of the dalam pengambilan Directors has been adjusted to
Board of Directors keputusan. the conditions of the Public
The determination of the Listed Company and the
number of members of the applicable regulations.
Board of Directors
considers the condition of
the Public Listed Company
as well as the effectiveness
in decision making.
Penentuan Komposisi Dalam menentukan komposisi
Anggota Direksi Anggota Direksi. Perusahaan
memperhatikan memperhatikan keberagaman
keberagaman keahlian, keahlian. Pengetahuan dan
pengetahuan dan pengalaman yang dibutuhkan
pengalaman yang untuk memudahkan tugasnya
dibutuhkan. dalam pengelolaan Bank.
Determination of the In determining the composition
composition of the Board of the Board of Directors. The
of Directors takes into Company considers the diversity
account the diversity of of expertise. Knowledge and
expertise, knowledge and experience needed to facilitate
experience required. their duties in managing the
Bank.
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Anggota Direksi yang Pemilihan Direksi yang
membawahi bidang membawahi bidang Akuntansi
Akuntansi atau keuangan telah sesuai dengan ketentuan
memiliki keahlian dan/atau yang berlaku.
pengetahuan di bidang The election of Directors in
Akuntansi charge of Accounting is in
Members of the Board of accordance with the applicable
Directors in charge of regulations.
Accounting or finance have
expertise and / or
knowledge in the field of
Accounting
Meningkatkan Direksi mempunyai Kebijakan Penilaian terkait
Kualitas Kebijakan Penilaian Sendiri evaluasi kinerja bagi anggota
Pelaksanaan Tugas (Self-Assessment) untuk Direksi ditetapkan melalui SK
dan Tanggung menilai kinerja Direksi No.043/SK-BMD/DIR/2024
Jawab Direksi The Board of Directors has tanggal 1 Juli 2024.
Improving the a Self-Assessment Policy to The Assessment Policy related to
Quality of the assess the performance of performance evaluation for
Implementation of the Board of Directors. members of the Board of
the Duties and Directors is stipulated through
Responsibilities of Decree No.043/SK-
the Board of BMD/DIR/2024 dated July 1,
Directors 2024.
Kebijakan Penilaian Sendiri Bank mengungkapan kebijakan
(Self-Assessment) untuk dan hasil penilaian Sendiri (Self
menilai kinerja Direksi, assessment) Kinerja Direksi
diungkapkan melalui dalam Laporan Tahunan.
Laporan Tahunan The Bank discloses the policy
Perusahaan Terbuka. and the results of the self-
The Self-Assessment policy assessment of the performance
to assess the performance of the Board of Directors in the
of the Board of Directors is Annual Report.
disclosed in the Public
Listed Company's Annual
Report.
Direksi mempunyai Telah tertuang dalam Pedoman
kebijakan terkait dan Tata Tertib Kerja Direksi
pengunduran diri anggota yang telah dikinikan
Direksi apabila terlibat berdasarkan Surat Keputusan
dalam kejahatan keuangan No. 058/SK-BMD/DIR/2024
The Board of Directors has tanggal 20 November 2024.
a policy regarding the Has been stated in the Board of
resignation of members of Directors Charter which has
the Board of Directors if been updated based on Decree
they are involved in No. 058/SK-BMD/DIR/2024
financial crimes. dated November 20, 2024.
4 Partisipasi Meningkatkan Perusahaan Terbuka Bank telah memiliki kebijakan
Pemangku Aspek Tata Kelola memiliki kebijakan untuk untuk mencegah terjadinya
Kepentingan Perusahaan mencegah terjadinya transaksi orang dalam yang
melalui Partisipasi insider trading. telah dikinikan berdasarkan
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Stakeholders' Pemangku Public Listed Companies Surat Keputusan No. 071/SK-
Participation Kepentingan have policies to prevent BMD/DIR/2024 tanggal 19
Improving insider trading. Desember 2024.
Corporate The Bank has a policy to prevent
Governance insider transactions that has
Aspects through been updated based on Decision
Stakeholder Letter No. 071/SK-
Participation BMD/DIR/2024 dated
December 19, 2024.
Perusahaan Terbuka Bank telah memiliki Kebijakan
memiliki Kebijakan Anti Anti-Fraud yang juga
Korupsi dan Anti-Fraud. mengakomodir pencegahan
The Public Listed Company terhadap kecurangan dan
has an Anti-Corruption and penyuapan yang telah dikinikan
Anti-Fraud Policy. berdasarkan Surat Keputusan
No. 054/SK-BMD/DIR/2024
tanggal 31 Oktober 2024.
The Bank has an Anti-Fraud
Policy that also accommodates
the prevention of fraud and
bribery which has been updated
based on Decree No. 054/SK-
BMD/DIR/2024 dated October
31, 2024.
Perusahaan Terbuka Bank telah memiliki Kebijakan
memiliki kebijakan tentang Pengadaan barang dan jasa.
seleksi dan peningkatan The Bank has a Procurement
kemampuan pemasok atau Policy for goods and services.
vendor
The Public Listed Company
has a policy on the
selection and upgrading of
suppliers or vendors
Perusahaan Terbuka Telah tertuang dalam RIPLAY
memilki kebijakan tentang (Ringkasan Informasi Produk
pemenuhan hak - hak dan Layanan) Bank.
kreditur. It is stated in the Bank's RIPLAY
Public Listed Companies (Summary of Product and
have a policy on the Service Information).
fulfillment of creditors'
rights.
Perusahaan Terbuka Bank telah memiliki Speak - Up
memiliki Kebijakan Sistem Policy dalam mengakomodir
Whistleblowing. Whistleblowing.
The Public Listed Company The Bank has a Speak - Up Policy
has a Whistleblowing to accommodate
System Policy. whistleblowing.
Perusahaan Terbuka Bank telah memiliki Kebijakan
memiliki kebijakan Remunerasi yang telah
pemberian insentif jangka dikinikan berdasarkan Surat
Keputusan No. 077/SK-
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panjang kepada Direksi BMD/DIR/2024 tanggal 31
dan Karyawan Desember 2024 yang dikelola
The Public Listed Company oleh komite remunerasi dan
has a policy of providing nominasi.
long-term incentives to The Bank has an updated
Directors and Employees. Remuneration Policy based on
Decision Letter No. 077/SK-
BMD/DIR/2024 dated
December 31, 2024 which is
managed by the remuneration
and nomination committee.
5 Keterbukaan Meningkatkan Perusahaan Terbuka Bank Mestika juga melakukan
Informasi Pelaksanaan memanfaatkan pemanfaatan sosial media
Disclosure of Keterbukaan penggunaan teknologi instagram (bankmestika.id)
Information Informasi informasi secara lebih luas sebagai media keterbukaan
Improving the selain situs web sebagai informasi.
Implementation of media keterbukaan Bank Mestika also utilizes social
Information informasi. media instagram
Disclosure Public Listed Companies (bankmestika.id) as a medium
utilize the use of for information disclosure.
information technology
more widely in addition to
the website as a medium
for information disclosure.
Laporan Tahunan Bank telah mengungkapkan
Perusahaan Terbuka kepemilikan saham paling
mengungkapkan pemilik sedikit 5% pemilik manfaat akhir
manfaat akhir dalam dalam Laporan Tahunan.
kepemilikan saham The Bank has disclosed
Perusahaan Terbuka paling shareholdings of at least 5% of
sedikit 5% (lima persen), ultimate beneficial owners in
selain pengungkapan the Annual Report.
pemilik manfaat akhir
dalam kepemilikan saham
Perusahaan Terbuka
melalui Pemegang Saham
utama dan pengendali
The Annual Report of a
Public Listed Company
discloses the ultimate
beneficial owner in the
shareholding of the Public
Listed Company of at least
5% (five percent), in
addition to the disclosure
of the ultimate beneficial
owner in the shareholding
of the Public Listed
Company through the main
and controlling
Shareholders.
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34. Laporan Penilaian Sendiri (self-assessment) 34. Self-assessment report on GCG Implementation
penerapan tata kelola
LAPORAN PENILAIAN SENDIRI (SELF ASSESSMENT )
PELAKSANAAN GOOD CORPORATE GOVERNANCE (GCG)
Nama Bank : Bank Mestika
Posisi : Semester I Tahun 2024
Hasil Penilaian Sendiri (Self Assessment) Pelaksanaan GCG
Peringkat Definisi Peringkat
Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance
yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip
Individual 2 Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good
Corporate Governance, maka secara umum kelemahan tersebut kurang signifikan dan dapat
diselesaikan dengan tindakan normal oleh Manajemen Bank
Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance
yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip
Konsolidasi 2 Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good
Corporate Governance, maka secara umum kelemahan tersebut kurang signifikan dan dapat
diselesaikan dengan tindakan normal oleh Manajemen Bank
Analisis
Berdasarkan penilaian pelaksaanaan Good Corporate Governance PT. Bank Mestika Dharma, Tbk secara umum adalah "Baik",
hal ini merupakan cerminan dari hasil kerja keras seluruh elemen organisasi Bank yang selalu mengutamakan prinsip tata kelola
Bank yang baik dalam melayani dan memenuhi tanggung jawab kepada stakeholders Bank.
Pada Semester I Tahun 2024, Laba tahun berjalan tercapai 77.42%, Dana Pihak Ketiga tercapai 97.68%, dan untuk Penyaluran
Kredit Bank tercapai 103.78% dari target yang ditetapkan dalam Rencana Bisnis Bank. Disamping itu NPL Bank terjaga dalam
posisi yang baik yakni 0.61% net dan 1.34% gross.
Penilaian terhadap Governance Structure menunjukkan penerapan tata kelola sudah optimal dan senantiasa terus ditingkatkan
sedangkan Governance Process dan Governance Outcome yang perlu ditingkatkan dari sisi peningkatan kinerja Bank.
Bank senantiasa terus berupaya dalam meningkatkan kinerja Bank dengan tetap berpedoman pada prinsip kehati-hatian, dan
menyediakan layanan yang memudahkan nasabah dan mengedepankan prinsip Tata Kelola yang Baik untuk memenuhi
komitmen dan harapan dari seluruh stakeholders.
SELF ASSESSMENT REPORT
IMPLEMENTATION OF GOOD CORPORATE GOVERNANCE
Bank's Name : Bank Mestika
Position : First Semester of 2024
GCG Implementation Self-Assessment Results
Rating Rating Definition
Reflecting the Bank's Management has implemented Good Corporate Governance which is
generally good. This is reflected in the adequate fulfillment of the principles of Good Corporate
Individual 2 Governance. If there are weaknesses in the application of the principles of Good Corporate
Governance, then in general these weaknesses are less significant and can be resolved with
normal acRons by the Bank's Management.
Reflecting the Bank's Management has implemented Good Corporate Governance which is
generally good. This is reflected in the adequate fulfillment of the principles of Good Corporate
Consolidation 2 Governance. If there are weaknesses in the application of the principles of Good Corporate
Governance, then in general these weaknesses are less significant and can be resolved with
normal acRons by the Bank's Management.
Analysis
Based on the assessment of the implementation of Good Corporate Governance of PT Bank Mestika Dharma, Tbk in general is
“Good” , this is a reflection of the hard work of all elements of the Bank's organization that always prioritizes the principles of good
corporate governance in serving and fulfilling responsibilities to the Bank's stakeholders.
In the first semester of 2024, profit for the year was 77.42%, third party funds were 97.68%, and lending was 103.78% of the target
set in the Bank's Business Plan. In addition, the Bank's NPLs were maintained in a good position at 0.61% net and 1.34% gross.
Assessment of Governance Structure shows that the implementation of governance is optimal and continues to be improved, while
Governance Process and Governance Outcome need to be improved in terms of improving the Bank's performance.
The Bank continues to strive to improve the Bank's performance while adhering to prudential principles, and providing services that
facilitate customers and prioritize the principles of Good Governance to meet the commitments and expectations of all stakeholders.
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LAPORAN PENILAIAN SENDIRI (SELF ASSESSMENT )
PELAKSANAAN GOOD CORPORATE GOVERNANCE (GCG)
Nama Bank : Bank Mestika
Posisi : Semester II Tahun 2024
Hasil Penilaian Sendiri (Self Assessment) Pelaksanaan GCG
Peringkat Definisi Peringkat
Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance
yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip
Individual 2 Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good
Corporate Governance, maka secara umum kelemahan tersebut kurang signifikan dan dapat
diselesaikan dengan tindakan normal oleh Manajemen Bank
Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance
yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip
Konsolidasi 2 Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good
Corporate Governance, maka secara umum kelemahan tersebut kurang signifikan dan dapat
diselesaikan dengan tindakan normal oleh Manajemen Bank
Analisis
Berdasarkan penilaian pelaksaanaan Good Corporate Governance PT. Bank Mestika Dharma, Tbk secara umum adalah "Baik",
hal ini merupakan cerminan dari hasil kerja keras seluruh elemen organisasi Bank yang selalu mengutamakan prinsip tata kelola
Bank yang baik dalam melayani dan memenuhi tanggung jawab kepada stakeholders Bank.
Pada Semester II Tahun 2024, Laba tahun berjalan tercapai 93.92%, Dana Pihak Ketiga tercapai 91.54%, dan untuk Penyaluran
Kredit Bank tercapai 105.81% dari target yang ditetapkan dalam Rencana Bisnis Bank. Disamping itu NPL Bank terjaga dalam
posisi yang baik yakni 0.30% net dan 0.66% gross .
Penilaian terhadap Governance Structure menunjukkan penerapan tata kelola sudah optimal dan senantiasa terus ditingkatkan
sedangkan Governance Process dan Governance Outcome yang perlu ditingkatkan dari sisi peningkatan kinerja Bank, tingkat
kepatuhan, dan temuan berulang.
Bank senantiasa terus berupaya dalam meningkatkan kinerja Bank dengan tetap berpedoman pada prinsip kehati-hatian, dan
menyediakan layanan yang memudahkan nasabah dan mengedepankan prinsip Tata Kelola yang Baik untuk memenuhi
komitmen dan harapan dari seluruh stakeholders.
SELF ASSESSMENT REPORT
IMPLEMENTATION OF GOOD CORPORATE GOVERNANCE
Bank's Name : Bank Mestika
Position : Second Semester of 2024
GCG Implementation Self-Assessment Results
Rating Rating Definition
Reflecting the Bank's Management has implemented Good Corporate Governance which is
generally good. This is reflected in the adequate fulfillment of the principles of Good Corporate
Individual 2 Governance. If there are weaknesses in the application of the principles of Good Corporate
Governance, then in general these weaknesses are less significant and can be resolved with
normal acRons by the Bank's Management.
Reflecting the Bank's Management has implemented Good Corporate Governance which is
generally good. This is reflected in the adequate fulfillment of the principles of Good Corporate
Consolidation 2 Governance. If there are weaknesses in the application of the principles of Good Corporate
Governance, then in general these weaknesses are less significant and can be resolved with
normal acRons by the Bank's Management.
Analysis
Based on the assessment of the implementation of Good Corporate Governance of PT Bank Mestika Dharma, Tbk in general is
“ Good ”, this is a reflection of the hard work of all elements of the Bank's organization that always prioritizes the principles of good
corporate governance in serving and fulfilling responsibiliRes to the Bank's stakeholders.
In the second semester of 2024, the Bank achieved 93.92% profit for the year, 91.54% of third party funds, and 105.81% of the target
set in the Bank's Business Plan. In addition, the Bank's NPLs were maintained in a good position at 0.30% net and 0.66% gross.
The assessment of Governance Structure shows that the implementation of governance is optimal and continues to be improved,
while Governance Process and Governance Outcome need to be improved in terms of improving the Bank's performance, compliance
level, and recurring findings.
The Bank continues to strive to improve the Bank's performance while adhering to prudential principles, and providing services that
facilitate customers and prioritize the principles of Good Governance to meet the commitments and expectations of all stakeholders.
187
Page 190
Names mentioned 94 people and organisations named in the text · linked when the evidence is strong
unresolved
—
Dekom
· Komisaris
p.5
unresolved
org
Bank Mestika
p.6 ×22
unresolved
org
Kantor Akuntan Publik Leonard
p.7
unresolved
person
Budiadi Widjaja
· Akuntan Publik
p.9 ×5
unresolved
person
AGM
· Komisaris
p.9
unresolved
org
Kantor Akuntan Publik Paul Hadiwinata
p.11
unresolved
org
Palilingan dan Rekan
p.11
unresolved
person
H. Thamrin Lot
p.11
unresolved
org
Financial Services Authority
p.16 ×11
unresolved
org
Deposit Insurance Corporation
p.31 ×2
unresolved
person
Vice
· Chairman
p.31 ×2
unresolved
person
General Affair
· Member
p.31 ×2
unresolved
org
PT. Sierah Betung Indah
p.32 ×2
unresolved
org
PT. Bina Segar Agung
p.32 ×2
unresolved
org
PT. Palm Trimitra Indotama
p.32 ×2
unresolved
org
PT. Boga Indo Sukses Mandiri
p.32
unresolved
org
PT. Mega Indo Perkasa
p.32 ×2
unresolved
org
PT. Intiland Wahana Cemerlang
p.32
unresolved
org
PT. Cahaya Dharma Anugerah
p.32 ×2
unresolved
org
PT. Sumber Prima Perkasa
p.32
unresolved
org
PT. Belmondo Bogaindo
p.32
unresolved
person
BoD
· Komisaris
p.32 ×3
unresolved
org
Bank Mestika's Board
p.32
unresolved
org
Bank Mestika. Rapat Direksi
p.32
unresolved
org
Bank Indonesia
p.37 ×16
unresolved
org
PT. Trimitra Sumberbuana
p.44
unresolved
org
PT. Mega Mas Plaza Bangunan
p.44
unresolved
org
PT. Putramega Deli Indah
p.44
unresolved
org
PT. Lentera Putra Bangsa
· Direktur Utama
p.44 ×4
unresolved
person
Charter. Meetings
· Komisaris
p.44
unresolved
org
PT. Pinang Witmas Sejati
· Presiden Komisaris
p.45 ×2
unresolved
org
Property
· President Director
p.45 ×2
unresolved
org
Bank Mestika's
p.46 ×4
unresolved
org
Bank Disamping
p.50
unresolved
person
Boc
· Komisaris
p.51
unresolved
—
Witarsa
p.51
unresolved
person
Oemar
· Komisaris
p.51
unresolved
person
Gardjito
· Komisaris
p.51
unresolved
org
Bank Mestika's Bank Mestika
p.57
unresolved
org
Bank Bank Mestika
p.60
unresolved
person
Bank's Audit Committee
· Komisaris
p.65
unresolved
org
Bank Indonesia Palangkaraya
p.66 ×2
unresolved
person
Deputi
· Direktur
p.66
unresolved
org
Bank Indonesia’s Directorate
p.66
unresolved
org
Bank Indonesia Medan
p.66
unresolved
org
PT. First Nirwana Photo Co
p.67 ×2
unresolved
org
PT. Raja Garuda Mas
p.67 ×10
unresolved
org
PT. Supra Matra Abadi
p.67 ×2
unresolved
org
PT. Paper Aid Indonesia
p.67 ×2
unresolved
org
PT. Jakarta Electronic Center
p.67 ×2
unresolved
org
PT. Bank Mestika Dharma Medan
p.67 ×2
unresolved
org
PT. Sari Makmur Tunggal Mandiri
p.67 ×2
unresolved
org
PT. Swadharma Bhakti Sedaya
p.67 ×2
unresolved
person
Adanan Silaban
p.74
unresolved
person
Chandra Tandiono
p.74 ×2
unresolved
org
Departemen Keuangan
p.75
unresolved
org
Pimpinan Kantor Akuntan Publik Drs. Katio dan Rekan
p.75
unresolved
org
Kantor Akuntan Publik Drs. Katio
p.75
unresolved
org
Kantor Akuntan Publik Haryono Junianto
p.76
unresolved
org
Kantor Akuntan Publik Drs. Togar Manik
p.76
unresolved
person
Drs. Togar Manik Public Accountant
p.76 ×2
unresolved
org
Kantor Akuntan Publik Erzito
p.76
unresolved
org
PT. Teguh Metta Internusa
p.76
unresolved
org
PT. Teguh Metta Permata
p.76
unresolved
org
PT. Srinaga Permata
p.76 ×2
unresolved
org
Bank Mestika's Risk Management Department
p.79
unresolved
—
Tug
· Anggota
p.80
unresolved
org
Bank Inherent Risk Monitoring
p.80
unresolved
org
Bank Risk Profile
p.80
unresolved
org
Bank Cybersecurity Level
p.80
unresolved
org
Bank RAT
p.80
unresolved
org
PT. Adipoetra
p.87 ×2
unresolved
org
PT. Carya Pharmin Pulau Siberut
p.87 ×2
unresolved
org
Bank Bukopin
p.111 ×2
unresolved
org
Bank Mestika Bank Mestika's Anti Fraud Strategy Implementation
p.163
unresolved
org
Bank Mestika's Anti Fraud Strategy
p.163
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