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Laporan Tahunan & Keberlanjutan Annual & Sustainability Report 2024
Page 2
Melaju Bersama
Advancing Together
SANGGAHAN DAN BATASAN TANGGUNG JAWAB
Disclaimer and Limitation of Liability
Laporan Tahunan dan Keberlanjutan 2024 PT. Bank Sinarmas The 2024 Annual and Sustainability Report of PT. Bank Sinarmas
Tbk. (yang selanjutnya disebut “Bank Sinarmas” atau “Bank”) Tbk. (hereinafter referred to as “Bank Sinarmas” or the “Bank”)
disusun berdasarkan Peraturan Otoritas Jasa Keuangan No. was prepared based on Financial Services Authority Regulation
29/POJK.04/2016 tentang Laporan Tahunan Emiten atau No. 29/POJK.04/2016 on Annual Reports of Issuers or Public
Perusahaan Publik serta Peraturan Otoritas Jasa Keuangan No. Companies and Financial Services Authority Regulation No. 51/
51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan POJK.03/2017 on the Implementation of Sustainable Finance for
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik. Financial Services Institutions, Issuers and Public Companies. The
Muatan konten laporan ini sesuai dengan Surat Edaran Otoritas content of this report is in accordance with the Financial Services
Jasa Keuangan No. 16/SEOJK.04/2021 tentang Bentuk dan Isi Authority Circular No. 16/SEOJK.04/2021 on the Form and Content
Laporan Tahunan Emiten atau Perusahaan Publik dan kriteria of Annual Reports of Issuers or Public Companies and the criteria
Annual Report Award. for the Annual Report Award.
Laporan ini memuat informasi terkait prinsip-prinsip keberlanjutan This report contains information regarding the sustainability
dalam seluruh aspek bisnis yang dijalankan serta kinerja principles in all aspects of business carried out as well as the
ekonomi, sosial, dan lingkungan Bank selama periode 1 Januari economic, social, and environmental performance of the Bank
2024 hingga 31 Desember 2024, disertai dengan perbandingan during the period of January 1, 2024, to December 31, 2024,
kinerja tahun-tahun sebelumnya. Selain itu, Laporan Tahunan ini accompanied by a comparison of previous years’ performance.
juga menyajikan informasi terkait proyeksi kerja Bank di tahun This Annual Report also presents information related to the
selanjutnya yang disusun berdasarkan pernyataan-pernyataan Bank’s work projections in the following year which are prepared
prospektif dan berbagai asumsi mengenai kondisi mendatang based on prospective statements and various assumptions
Bank, serta lingkungan bisnis yang terkait, sehingga dapat regarding the Bank’s future condition, as well as the related
mengakibatkan perkembangan aktual secara material berbeda business environment, which may result in actual developments
dari yang dilaporkan. Oleh karena itu, Bank mengimbau agar that are materially different from those reported. Therefore, the
pemangku kepentingan dapat menggunakan informasi tersebut Bank urges stakeholders to use this information wisely in making
secara bijak dalam pengambilan keputusan. decisions.
Informasi lebih lanjut terkait laporan ini dan muatan di dalamnya Further information regarding this report and its contents can be
dapat diperoleh melalui: obtained through:
Sinar Mas Land Plaza Tower I, Lt. 1 & 2
Retno Tri Wulandari Jl. MH Thamrin Kav. 51
Jakarta 10350
T: +62 21 3199 0101
Sekretaris Perusahaan
F: +62 21 3199 0401
Corporate Secretary
E: corporate.secretary@banksinarmas.com
Page 3
Memperingati ulang tahun ke-35 1
Bank Sinarmas memperkenalkan
tema “Melaju Bersama” yang
memiliki makna simbolis yang
kuat dan melambangkan
perjalanan panjang bersama-
sama nasabah, karyawan, dan
pemangku kepentingan lainnya
dalam mencapai tujuan bersama.
To commemorate the 35th anniversary, Bank
Sinarmas introduces the theme “Advancing
Together.” This phrase carries profound
symbolism, reflecting the Bank’s shared journey
with customers, employees, and stakeholders
toward common goals.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 4
KESINAMBUNGAN TEMA
Themes Continuity
2
2020 2021 2022
Optimizing Our Digital Adapting Sustainability Empowering Life
Services Through Digitalization
Bank Sinarmas memiliki komitmen dalam Bank Sinarmas mendukung pentingnya Sepanjang tahun 2022, Bank Sinarmas terus
pengembangan digital, antara lain dilakukan pertumbuhan ekonomi berkelanjutan yang memacu kinerja dalam menjalankan fungsi
melalui aplikasi SimobiPlus. Aplikasi ini merupakan menyelaraskan kepentingan ekonomi, sosial, dan intermediasi keuangan dalam perekonomian.
layanan digital banking Bank Sinarmas untuk lingkungan hidup. Layanan perbankan yang telah Melalui kegiatan penghimpunan dana dan
memberikan kemudahan, kenyamanan, dan terdigitalisasi secara optimal merupakan langkah penyaluran kredit, Bank Sinarmas terus
keamanan transaksi bagi nasabah. Bank Sinarmas untuk terus beradaptasi menuju memobilisasi dana masyarakat untuk digunakan
pembangunan berkelanjutan. dalam aktivitas produktif yang memberi mata
Melalui layanan digital tersebut, Bank berupaya pencaharian bagi jutaan orang. Melalui berbagai
meningkatkan kemudahan dan kepuasan Bank Sinarmas telah meluncurkan sejumlah layanan layanan perbankan yang diberikan, termasuk
nasabah dalam melakukan transaksi perbankan. perbankan digital dan terus melakukan inovasi layanan perbankan digital terkini dalam aplikasi
Seiring dengan meningkatnya pengguna layanan dan pembaruan terhadap produknya. Layanan mobile banking SimobiPlus, Bank Sinarmas terus
tersebut, Bank terus menambah fitur digital serta digital perbankan yang terintegrasi dalam aplikasi menghadirkan kemudahan bagi nasabah dalam
memperkuat infrastruktur keamanan transaksi. mobile banking SimobiPlus mampu memberikan menjalankan aktivitas sehari-hari, baik dalam
Omnichannel Experience sebagai penunjang gaya urusan bisnis maupun kehidupan pribadi. Melalui
Pengembangan digital ini juga memberikan hidup nasabah, serta menjadi jembatan nasabah komitmennya terhadap keuangan berkelanjutan,
manfaat bagi Bank, yaitu meningkatnya loyalitas dalam mengakses layanan perbankan. Bank Sinarmas mendukung pertumbuhan ekonomi
nasabah. Untuk itulah, Bank berkomitmen untuk berkelanjutan yang menyelaraskan kepentingan
terus mengembangkan layanan digital secara Sebagai bentuk adaptasi menuju perbankan ekonomi, sosial, dan lingkungan hidup.
berkesinambungan, sekaligus sebagai respon berkelanjutan, Bank Sinarmas meluncurkan
terhadap tren dalam industri keuangan khususnya program Green Saving yang mengajak Melalui berbagai langkah tersebut, Bank Sinarmas
perbankan. nasabah dan seluruh kalangan masyarakat melanjutkan kontribusinya dalam memberdayakan
memaksimalkan penggunaan energi terbarukan, kehidupan semakin banyak orang di Indonesia, kini
khususnya sinar matahari. Hal sederhana seperti dan di masa mendatang.
Bank Sinarmas has a commitment to digital menggunakan Green Energy yang ramah
development, among others, through the lingkungan dapat membawa perubahan besar
SimobiPlus application. This application is a digital di kemudian hari, sesuai tagline Bank Sinarmas Throughout 2022, Bank Sinarmas continues to
banking service from Bank Sinarmas to provide #biasakansekarangluarbiasananti. boost performance in carrying out the financial
facilities, convenience, and security of transactions intermediary function in the economy. Through
for customers. funding and lending activities, Bank Sinarmas
Bank Sinarmas supports the importance of continues to mobilize public funds to be used
Through this digital service, the Bank seeks to sustainable economic growth which aligns in productive activities that provide livelihoods
improve customer convenience and satisfaction economic, social, and environmental goals. for millions of people. Through various banking
in conducting banking transactions. Along with Optimally digitalized banking services are an effort services provided, including the latest digital
the increasing number of service users, the Bank by Bank Sinarmas to continue to adapt in order banking services in the SimobiPlus mobile
continues to add digital features and strengthen to contribute to the achievement of sustainable banking apps, Bank Sinarmas continues to provide
the transaction security infrastructure. development. convenience for customers in carrying out their
daily activities both in business and in personal
This digital development is also beneficial for the Bank Sinarmas has launched several digital life. Through its commitment to sustainable finance,
Bank in increasing customer loyalty. For this reason, banking services and will continue to innovate and Bank Sinarmas supports sustainable economic
and in response to trends in the financial industry update its products. Digital banking services that growth that harmonizes economic, social, and
- particularly banking, the Bank is committed to are integrated into the SimobiPlus mobile banking environmental interests.
continuously developing digital services on an application can provide Omnichannel Experience
ongoing basis. to support customers’ lifestyles and become a Through these various steps, Bank Sinarmas
bridge for customers to access banking services. continues its contribution in empowering the lives
of more and more people in Indonesia, now and
As a form of adaptation toward sustainable in the future.
banking, Bank Sinarmas launched the Green
Saving program which invites customers and the
public to maximize the use of renewable energy,
particularly sunlight. Simple steps, such as using
eco-friendly Green Energy, can bring about big
changes in the future, which is in line with the
Bank’s tagline #biasakansekarangluarbiasananti.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 5
3
2023 2024
Sustaining Business
Endurance Melaju Bersama
Bank Sinarmas terus menunjukkan komitmen
yang kuat dalam menghadapi dinamika ekonomi
Advancing Together
dan persaingan industri di sepanjang tahun
2023. Dengan rangkaian strategi yang saling
terintegrasi antara pengelolaan aspek ekonomi, Memperingati ulang tahun ke-35 Bank Sinarmas
sosial, dan lingkungan, Bank terus mengupayakan
pertumbuhan bisnis yang sehat, berdaya tahan, dan memperkenalkan tema “Melaju Bersama”
bermakna. Setiap strategi diambil dengan orientasi
jangka panjang, mulai dari penguatan layanan yang memiliki makna simbolis yang kuat dan
perbankan dengan mengutamakan digitalisasi,
pengendalian tingkat suku bunga secara selektif,
melambangkan perjalanan panjang bersama-sama
penguatan permodalan, bahkan pemisahan Unit
Usaha Syariah untuk menjaga keseimbangan
nasabah, karyawan, dan pemangku kepentingan
operasional. Dalam penyaluran kredit, Bank
tidak hanya memprioritaskan sektor-sektor yang
lainnya dalam mencapai tujuan bersama.
memiliki prospek usaha yang baik dan agunan
yang memadai, tetapi juga mempertimbangkan
faktor lingkungan dan sosial didalamnya. To commemorate the 35th anniversary, Bank Sinarmas
introduces the theme “Advancing Together.” This
Bank Sinarmas continued to demonstrate strong phrase carries profound symbolism, reflecting the
commitment in dealing with the economic dynamics
and industry challenges throughout 2023. With an Bank’s shared journey with customers, employees,
integrated set of strategies including economic,
social, and environmental aspects, the Bank and stakeholders toward common goals.
consistently attempted for sustainable, resilient,
and meaningful business growth. Each strategy
was taken with a long-term orientation, starting
from strengthening banking services by prioritizing
digitalization, selectively controlling interest rates,
strengthening capital, and even separating Sharia
Business Units to maintain operational balance. In
credit disbursement, the Bank did not only prioritize
sectors with good business outlook and adequate
collateral but also considering environmental and
social factors within it.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 6
DAFTAR
Nilai-Nilai Luhur 56
Noble Values
Etos Kerja 56
Work Ethic
ISI
Kegiatan Usaha 58
Business Activities
Produk dan Layanan/Jasa 60
Products and Services
Wilayah Operasional dan Jaringan 62
Operational and Network Area
MELAJU BERSAMA Keanggotaan pada Asosiasi 63
CON
Membership in Associations
Advancing Together
Struktur Organisasi 64
Kesinambungan Tema 2
Organizational Structure
Theme Continuity
IKHTISAR KINERJA 2024 7
4 2024 Performance Highlights
Ikhtisar Kinerja 8
Performance Highlights
TENT
Ikhtisar Operasional 11
Operational Highlights
Ikhtisar Saham 12
Stock Highlights
Ikhtisar Obligasi/Sukuk 14
Summary of Bonds/Sukuk
Pencapaian Kinerja 2024 15
2024 Performance Achievements
Peristiwa Penting 16
Event Highlights
Penghargaan dan Sertifikasi 18
Awards and Certifications
Layanan Prioritas: Solusi Berkelanjutan bagi 22
Entrepreneurs Indonesia
Priority Banking: Lifetime Banking Solutions for
Indonesia’s Entrepreneurs
LAPORAN MANAJEMEN 25 Dewan Komisaris dan Direksi
Board of Commissioners and Directors
66
Management Report Profil Dewan Komisaris 67
Profile of the Board of Commissioners
Laporan Dewan Komisaris 26
Profil Direksi 70
Board of Commissioner’s Report
Profile of the Board of Directors
Laporan Direksi 34
Profil Pejabat Eksekutif 77
Board of Director’s Report
Profile of Executive Officers
Tanggung Jawab Laporan Tahunan dan Keberlanjutan 42
Demografi Karyawan 83
Annual and Sustainability Report Responsibility
Employee Demographic
Struktur Pemegang Saham 86
Shareholder Structure
PROFIL PERUSAHAAN 47 Entitas Anak dan Asosiasi 89
Company Profile Subsidiaries and Associates
Kronologi Pencatatan Saham 90
Identitas Perusahaan 48 Chronology of Share Listing
Company Identity Kronologi Pencatatan Efek Lainnya 92
Sekilas Bank Sinarmas 50 Chronology of Other Securities Listing
Bank Sinarmas at a Glance Kantor Akuntan Publik 93
Jejak Langkah 52 Public Accounting Firm
Milestones Lembaga dan Profesi Penunjang Perusahaan 94
Visi dan Misi 54 Supporting Institutions and Professions for Companies
Vision and Missions Informasi Situs Web Perusahaan 95
Tagline Bank Sinarmas 55 Company Website
Bank Sinarmas Tagline Nama dan Alamat Kantor Cabang, Kantor Cabang Pembantu, 96
Kantor Fungsional Operasional, Kantor Fungsional UMK
Name and Address of Branch Offices, Sub-Branch Offices,
Functional Offices and Functional Offices for SMEs
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 7
PEMBAHASAN DAN ANALISIS 117 Sistem Pengendalian Intern
Internal Control System
379
MANAJEMEN Satuan Kerja Kepatuhan 381
Management Discussion & Analysis Compliance Work Unit
Legal Group 406
Strategi Usaha 2024 118 Legal Group
Business Strategies 2024 Perkara Penting yang Dihadapi 408
Tinjauan Kinerja Per Segmen Usaha 118 Legal Cases
Performance Review Per Business Segment Keterbukaan Informasi 409
Tinjauan Kinerja Keuangan 133 Information Disclosure
Financial Performance Overview Akses Informasi dan Data Perseroan 410
Company Information And Data Access
Sistem Pelaporan Pelanggaran 410
TINJAUAN PENDUKUNG BISNIS 173 Whistleblowing System
Kode Etik dan Pedoman Tingkah Laku 415
Business Support Review Code of Ethics and Guidelines of Conduct
Kebijakan Anti Korupsi 417
Sumber Daya Manusia 174 Anti-Corruption Policy
Human Resources
Teknologi Informasi 182
Pencegahan Transaksi Orang Dalam (Insider Trading)
Prevention of Insider Trading
420
5
Information Technology
Praktik Bad Corporate Governance 421
Bad Corporate Governance Practices
Manajemen Risiko 424
TS_
Risk Management
LAPORAN KEBERLANJUTAN 539
Sustainability Report
Tentang Laporan Keberlanjutan 540
About Sustainability Report
Strategi Berkelanjutan 542
Sustainability Strategy
Mengelola Keberlanjutan 558
Managing Sustainability
Mengembangkan Kompetensi Sumber Daya Manusia 564
Developing Human Resources Competence
Meningkatkan Kepedulian Sosial dan 571
Pengembangan Masyarakat
Improving Social Care and Community Development
TATA KELOLA PERUSAHAAN 191 Meningkatkan Kualitas Produk dan Layanan 577
Corporate Governance Improve Product and Service Quality
Meningkatkan Kepedulian terhadap Lingkungan 584
Komitmen Penerapan Tata Kelola Perusahaan yang Baik 192 Increasing Concern for the Environment
Commitment to Implementing Good Corporate Governance Lembar Umpan Balik 589
Rapat Umum Pemegang Saham 235 Feedback Form
General Meeting of Shareholders Tanggapan terhadap Umpan Balik Tahun Sebelumnya 591
Dewan Komisaris 250 Response to Feedback from Previous Year’s
Board of Commissioners Sustainability Report
Direksi 265 Indeks Isi GRI - dengan Referensi 592
Board of Directors GRI Content Index – with Reference
Transparansi Informasi Tentang Dewan Komisaris dan Direksi 280 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa 594
Transparency of Information on Keuangan Nomor 51/POJK.03/2017
the Board of Commissioners and Board of Directors List of Disclosure Based on POJK NO.51/POJK.03/2017
Pengungkapan Informasi Perubahan Kepemilikan Saham 296
Dewan Komisaris dan Direksi
Disclosure of Information on Changes in Share Ownership
of the Board of Commissioners and Board of Directors LAPORAN KEUANGAN 597
Komite-Komite di Bawah Dewan Komisaris 297 Financial Statements
Committees Under the Board of Commissioners
Komite-Komite di Bawah Direksi 340
Committees under the Board of Directors
Sekretaris Perusahaan 366
Corporate Secretary
Satuan Kerja Audit Internal 371
Internal Audit Work Unit
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 8
Page 9
IKHTISAR KINERJA 2024
2024 Performance Highlights
.01
Page 10
IKHTISAR KINERJA
Performance Highlights
Kinerja Keuangan [OJK F.2][GRI 201-1]
Financial Performance
Rp Juta, kecuali dinyatakan lain Rp Million, unless otherwise stated
Keterangan 2024 2023 2022 2021 2020 Description
Laporan Posisi Keuangan Statement of Financial Position
8 Aset
Kas 509.207 388.102 386.167 571.425 629.712
Assets
Cash
Giro pada Bank Indonesia 5.706.437 6.022.812 4.132.468 2.137.244 1.623.067 Current Accounts with Bank
IKHTISAR
Indonesia
KINERJA
2024 Giro pada Bank Lain – Bersih 2.020.989 2.655.935 1.719.763 3.147.827 2.156.806 Current Accounts with Other Banks
– Net
Penempatan pada Bank Indonesia 8.725.976 6.263.377 4.802.861 9.592.917 1.905.318 Placements with Bank Indonesia and
Laporan dan Bank Lain – Bersih Other Banks – Net
Manajemen
Efek-efek – Bersih 22.123.030 18.131.802 18.646.763 14.582.531 9.183.303 Securities – Net
Efek yang Dibeli dengan Janji Jual 192.215 - - 1.672.987 4.586.086 Securities Purchased Under
Profil Kembali – Bersih Agreements to Resell – Net
Perusahaan
Kredit yang Diberikan dan Piutang/ 12.806.287 15.185.200 13.379.839 16.313.869 18.878.373 Loans and Receivables/Sharia
Pembiayaan Syariah – Bersih Financing – Net
Analisis dan Tagihan Akseptasi – Bersih 38.129 78.304 77.389 247.165 153.577 Acceptance Receivables – Net
Pembahasan
Penyertaan Modal Sementara - - - - 281.405 Temporary Equity Investments
Manajemen
Pendapatan yang Masih Akan 405.091 326.751 304.040 315.777 243.768 Accrued Income
Diterima
Tinjauan
Biaya Dibayar di Muka 611.977 921.948 1.279.454 1.601.446 1.935.587 Prepaid Expenses
Pendukung
Bisnis Aset Tetap – Bersih 1.555.763 1.606.075 1.508.203 1.540.865 1.584.298 Fixed Assets – Net
Aset Ijarah – Bersih 292.544 384.218 397.619 396.386 463.152 Ijarah Assets – Net
Tata Kelola Aset Pajak Tangguhan – Bersih 261.361 214.568 196.886 64.120 54.930 Deferred Tax Assets – Net
Perusahaan Aset Lain-lain – Bersih 375.427 455.904 519.149 487.422 932.663 Other Assets – Net
Jumlah Aset 55.624.433 52.634.996 47.350.601 52.671.981 44.612.045 Total Assets
Laporan Liabilitas Liabilities
Keberlanjutan
Liabilitas Segera 178.778 167.982 129.064 116.189 193.249 Liabilities Immediately Payable
Simpanan 37.897.415 35.142.585 32.397.026 37.961.555 30.763.916 Deposits
Simpanan dari Bank Lain 66.760 327.445 14.149 79.243 61.198 Deposits from Other Banks
Efek yang Dijual dengan Janji Dibeli 879.455 1.051.717 - - 1.042.913 Securities Sold Under Agreements to
Kembali Repurchase
Utang Pajak 52.719 52.572 158.846 29.745 71.082 Taxes Payable
Liabilitas Akseptasi 38.160 79.880 78.065 250.424 153.617 Acceptance Payable
Beban yang Masih Harus Dibayar 44.216 43.816 29.078 23.094 41.183 Accrued Expenses
Liabilitas Imbalan Kerja Jangka 44.749 35.426 36.141 27.840 29.288 Long-term Employee Benefits
Panjang Liabilities
Obligasi Subordinasi – Bersih 497.505 496.512 495.521 - - Subordinated Bonds – Net
Liabilitas Lain-lain 399.533 390.973 209.291 311.579 201.475 Other Liabilities
Jumlah Liabilitas 40.099.290 37.788.908 33.547.181 38.799.669 32.557.921 Total Liabilities
Dana Syirkah Temporer Temporary Shirkah Fund
Simpanan 6.922.549 7.003.551 6.317.009 6.507.363 5.992.639 Deposits
Simpanan dari Bank Lain 2.972 15.769 201.403 5.533 4.641 Deposits from Other Banks
Jumlah Dana Syirkah Temporer 6.925.521 7.019.320 6.518.412 6.512.896 5.997.280 Total Temporary Shirkah Fund
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 11
Rp Juta, kecuali dinyatakan lain Rp Million, unless otherwise stated
Keterangan 2024 2023 2022 2021 2020 Description
Ekuitas Equity
Modal Saham 1.971.616 1.971.616 1.971.616 1.746.180 1.746.180 Capital Stock
Tambahan Modal Disetor – Bersih 3.552.194 3.552.194 3.552.194 2.368.655 2.368.655 Additional Paid-in Capital – Net
Dana Setoran Modal - - - 1.408.975 - Advance for Shares Subscriptions
Komponen Ekuitas Lainnya
Saldo Laba Ditentukan
502.000
10.000
588.242
9.500
118.628
9.000
407.324
8.500
637.954
8.000
Other Equity Components
Appropriated Retained Earnings
9
Penggunaannya
Saldo Laba Tidak Ditentukan 1.996.630 1.705.216 1.633.570 1.419.782 1.296.055 Unappropriated Retained Earnings 2024
Penggunaannya PERFORMANCE
Kepentingan Non-Pengendali 567.182 - - - - Non-Controlling Interests HIGHLIGHTS
Jumlah Ekuitas 8.599.622 7.826.768 7.285.008 7.359.416 6.056.844 Total Equity
Jumlah Liabilitas, Dana Syirkah 55.624.433 52.634.996 47.350.601 52.671.981 44.612.045 Total Liabilities, Temporary Shirkah Management
Temporer, dan Ekuitas Fund, and Equity Report
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Statement of Profit or Loss and Other Comprehensive Income
Pendapatan Bunga 3.018.913 2.781.795 2.527.616 2.622.909 2.632.465 Interest Income
Company
Pendapatan Syariah 769.990 734.016 770.841 695.070 667.796 Sharia Income
Profile
Beban Bunga (829.608) (632.923) (566.923) (687.603) (905.187) Interest Expenses
Beban Syariah (360.487) (259.569) (198.887) (214.579) (206.870) Sharia Expenses
Management
Pendapatan Bunga dan Syariah – 2.598.808 2.623.319 2.532.647 2.415.797 2.188.204 Interest and Sharia Income – Net
Bersih Discussion and
Analysis
Pendapatan Operasional Lainnya 976.348 926.065 760.183 924.999 1.687.729 Other Operating Revenue
Beban Operasional Lainnya (3.136.340) (3.475.806) (3.015.619) (3.181.278) (3.759.333) Other Operating Expenses
Laba Sebelum Pajak 438.816 73.578 277.211 159.518 116.600 Profit Before Tax Business
Support
Manfaat (Beban) Pajak (68.679) 2.218 (56.051) (31.770) 1.922 Tax Benefit (Expense)
Overview
Laba Bersih 370.137 75.796 221.160 127.748 118.522 Net Profit
Penghasilan (Rugi) Komprehensif Lain (85.173) 465.964 (295.568) (234.151) 145.348 Other Comprehensive Income (Loss)
Corporate
Jumlah Laba (Rugi) Komprehensif Lain 284.964 541.760 (74.408) (106.403) 263.870 Total Other Comprehensive Income
(Loss) Governance
Laba per Saham Dasar (dalam Rupiah 14,75 3,84 11,22 6,50 6,80 Basic Earnings per Share (in full
penuh) Rupiah)
Sustainability
Laba (Rugi) Tahun Berjalan Income (Loss) for the Year Report
Diatribusikan kepada Pemilik Entitas 290.845 75.796 221.160 127.748 118.522 Attributable to Owners of the Parent
Induk Entity
Diatribusikan kepada Kepentingan 79.292 - - - - Attributable to Non-Controlling
Non-Pengendali Interests
Laba (Rugi) Komprehensif Tahun Berjalan Comprehensive Income (Loss) for the Year
Diatribusikan kepada Pemilik Entitas 205.672 541.760 (74.408) (106.403) 263.870 Attributable to Owners of the Parent
Induk Entity
Diatribusikan kepada Kepentingan 79.292 - - - - Attributable to Non-Controlling
Non-Pengendali Interests
Laporan Arus Kas Cash Flow Statement
Arus Kas dari Aktivitas Operasi 1.165.114 4.628.695 (4.999.465) 7.837.071 2.116.579 Cash Flow from Operating Activities
Arus Kas dari Aktivitas Investasi (152.118) (188.267) (119.425) (114.928) (242.578) Cash Flow from Investing Activities
Arus Kas dari Aktivitas Pendanaan 372.097 (111.120) 397.299 1.329.009 203.099 Cash Flow from Financing Activities
Kenaikan (Penurunan) Bersih Kas dan 1.385.093 4.329.308 (4.721.591) 9.051.152 2.077.100 Net Increase (Decrease) in Cash and
Setara Kas Cash Equivalents
Kas dan Setara Kas Awal Tahun 15.331.170 11.042.096 15.452.929 6.316.455 4.213.323 Cash and Cash Equivalents at
Beginning of Year
Pengaruh Perubahan Kurs Mata 247.050 (40.234) 310.758 85.322 26.032 Effect of Changes in Foreign
Uang Asing Exchange Rates
Kas dan Setara Kas Akhir Tahun 16.963.313 15.331.170 11.042.096 15.452.929 6.316.455 Cash and Cash Equivalents End of
Year
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 12
Rp Juta, kecuali dinyatakan lain Rp Million, unless otherwise stated
Keterangan 2024 2023 2022 2021 2020 Description
Rasio Keuangan Penting Key Financial Ratios
Permodalan (%) Capital (%)
Kewajiban Penyediaan Modal 30,46 25,34 29,49 29,12 17,29 Capital Adequacy Ratio (CAR)
Minimum (KPMM)
Aset Tetap terhadap Modal 35,17 34,31 34,30 35,65 39,71 Fixed Assets to Capital
Aset Produktif (%) Earning Assets (%)
Aset Produktif Bermasalah terhadap 1,41 1,66 3,14 1,80 3,70 Non-Performing Earning Assets to
Jumlah Aset Produktif Total Earning Assets
Kredit Bermasalah – Gross 1,49 1,53 7,99 4,64 4,75 Non-performing Loans - Gross
Kredit Bermasalah – Bersih 0,30 0,35 2,49 1,18 1,39 Non-performing Loans - Net
CKPN terhadap Aset Produktif 3,67 3,82 5,26 3,43 4,54 Impairment Losses on Earning Assets
Pemenuhan CKPN 100,00 100,00 100,00 100,00 100,00 Impairment Losses Fulfillment
Rentabilitas (%) Rentability (%)
Tingkat Pengembalian Aset 0,82 0,15 0,54 0,34 0,30 Return on Assets
10 Tingkat Pengembalian Ekuitas
Margin Bunga Bersih
5,01
5,89
1,07
6,26
3,27
5,68
2,02
5,79
2,25
6,25
Return on Equity
Net Interest Margin
Pendapatan Operasional Lainnya 27,31 26,09 23,09 27,69 43,54 Other Operating Revenue to
IKHTISAR terhadap Pendapatan Operasional Operating Revenue
KINERJA
Beban terhadap Pendapatan (CIR) 88,07 81,16 74,10 71,35 68,75 Cost of Income Ratio (CIR)
2024
Biaya Operasional terhadap 90,83 103,36 93,27 97,12 111,70 Operating Expenses to Operating
Pendapatan Operasional (BOPO) Income (BOPO)
Laporan
Likuiditas (%) Liquidity (%)
Manajemen
Kredit terhadap Dana Masyarakat 32,68 40,94 41,07 41,22 56,97 Loans to Deposit Ratio
Rasio Dana Murah (CASA) 71,37 66,64 65,53 69,20 53,43 Cash Ratio (CASA)
Profil
Perusahaan Liabilitas terhadap Ekuitas 546,82 572,50 549,97 615,71 636,56 Liabilities to Equity
Liabilitas terhadap Aset 84,54 85,13 84,61 86,03 86,42 Liabilities to Assets
Analisis dan Kepatuhan (%) Compliance (%)
Pembahasan Pelanggaran BMPK Nil Nil Nil Nil Nil Legal Lending Limit Violation
Manajemen
Pihak Terkait Nil Nil Nil Nil Nil Related Parties
Pihak Tidak Terkait Nil Nil Nil Nil Nil Unrelated Parties
Tinjauan
Pendukung Pelampauan BMPK Nil Nil Nil Nil Nil Legal Lending Limit Excess
Bisnis Giro Wajib Minimum (GWM) – Rupiah 12,93 15,22 10,01 5,30 4,34 Minimum Statutory Reserves (GWM)
- Rupiah
Tata Kelola Giro Wajib Minimum (GWM) – Valas 3,95 4,09 3,95 4,01 4,02 Minimum Statutory Reserves (GWM) -
Foreign Currency
Perusahaan
Posisi Devisa Neto (PDN) 1,13 6,57 0,81 1,11 0,68 Net Open Position (NOP)
Tagihan dan Liabilitas Derivatif Derivative Receivables and Liabilities
Laporan
Keberlanjutan Tagihan Derivatif 1.855 27.502 6.772 109 706 Derivative Receivables
Liabilitas Derivatif 1.746 3.235 7.411 128 875 Derivative Liabilities
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 13
IKHTISAR OPERASIONAL
Operational Highlights
Rp Juta Rp Million
Uraian 2024 2023 2022 2021 2020 Description
Jenis Kredit dan Piutang/Pembiayaan Syariah Loans and Receivables/Sharia
Financing Type
Pinjaman Cicilan 3.557.383 4.427.012 5.919.302 6.219.020 8.393.218 Installment Loan
Pinjaman Tetap 4.763.931 3.868.400 2.646.804 2.922.920 3.224.091 Fixed Loan
Pinjaman Konsumsi 2.395.740 3.084.603 3.344.674 1.909.192 2.156.592 Consumer Loan
Piutang Syariah – Mudharabah 312.192 679.725 1.197.441 583.031 1.230.954 Sharia Receivables - Mudharabah 11
Piutang Syariah – Musyarakah 2.375.665 3.936.659 1.603.796 3.726.232 2.987.939 Sharia Receivables - Musyarakah
Pinjaman Anjak Piutang - - - 1.207.885 1.143.735 Factoring Loan 2024
PERFORMANCE
Piutang Syariah – Murabahah 335.423 377.007 281.690 809.950 678.633 Sharia Receivables - Murabahah
HIGHLIGHTS
Pinjaman Rekening Koran 343.798 218.699 226.657 271.743 325.350 Overdraft Loan
Pinjaman Karyawan 120.872 105.246 81.994 87.911 73.987 Employee Loan
Management
Piutang Syariah – Qardh 13.699 171.907 197.422 193.650 251.988 Sharia Receivables - Qardh
Report
Piutang Syariah – Ijarah 209 2.188 1.184 242 9.868 Sharia Receivables - Ijarah
Piutang Syariah – Ijarah Multijasa 136.891 - - - - Sharia Receivables - Ijarah Multijasa
Pinjaman Investasi - - - - 937 Investment Loan Company
Profile
Jumlah 14.355.803 16.871.446 15.500.964 17.931.776 20.477.292 Total
Cadangan Kerugian Penurunan Nilai (1.549.516) (1.686.246) (2.121.125) (1.617.907) (1.598.919) Allowance for Impairment Losses
Jumlah Bersih 12.806.287 15.185.200 13.379.839 16.313.869 18.878.373 Net Total Management
Discussion and
Produk Dana Pihak Ketiga Third Party Fund Product
Analysis
Giro 18.164.043 15.394.881 14.178.895 19.130.608 9.246.790 Demand Deposit
Tabungan 13.822.052 12.690.959 11.189.303 11.642.139 10.390.895 Savings Account
Business
Deposito Berjangka 12.833.869 14.060.296 13.345.837 13.696.171 17.118.870 Time Deposit
Support
Jumlah 44.819.964 42.146.136 38.714.035 44.468.918 36.756.555 Total Overview
Corporate
Governance
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 14
IKHTISAR SAHAM
Stock Highlights
Perkembangan Kinerja Saham Triwulanan (2023-2024)
Quarterly Stock Performance Development (2023-2024)
Harga
Harga Harga Volume Jumlah Saham
Penutupan Kapitalisasi Pasar
Periode Tertinggi (Rp) Terendah (Rp) Perdagangan Beredar
(Rp) Market Capitalization
Period Highest Price Lowest Price Trading Number of
Closing Price (Rp)
12 (Rp) (Rp)
(Rp)
Volume Outstanding Shares
2024
IKHTISAR Triwulan I 950 845 950 3.900 19.517.921.842 18.542.025.749.900
KINERJA Quarter I
2024
Triwulan II 955 760 840 2.700 19.517.921.842 16.395.054.347.280
Quarter II
Laporan
Manajemen Triwulan III 910 755 820 12.900 19.517.921.842 16.004.695.910.440
Quarter III
Profil Triwulan IV 880 615 820 243.200 19.517.921.842 16.004.695.910.440
Perusahaan Quarter IV
2023
Analisis dan Triwulan I 905 800 890 10.400 19.517.921.842 17.370.950.439.380
Pembahasan Quarter I
Manajemen
Triwulan II 900 840 890 23.600 19.517.921.842 17.370.950.439.380
Quarter II
Tinjauan
Pendukung Triwulan III 1.050 800 890 24.100 19.517.921.842 17.370.950.439.380
Bisnis Quarter III
Triwulan IV 890 755 890 2.000 19.517.921.842 17.370.950.439.380
Tata Kelola Quarter IV
Perusahaan
PERGERAKAN HARGA SAHAM
Laporan STOCK PRICE MOVEMENT
Keberlanjutan
Volume Perdagangan Harga Penutupan (Rp)
Trading Volume Closing Price (Rp)
300.000 1.000
250.000 850
200.000 700
150.000 550
100.000 300
50.000 150
- -
Triwulan I Triwulan II Triwulan III Triwulan IV Triwulan I Triwulan II Triwulan III Triwulan IV
First Quarter Second Quarter Third Quarter Fourth Quarter First Quarter Second Quarter Third Quarter Fourth Quarter
2023 2024
Volume Perdagangan Harga Penutupan (Rp)
Trading Volume Closing Price (Rp)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 15
Aksi Korporasi Corporate Action
Pada tahun 2024, Bank Sinarmas tidak melakukan In 2024, Bank Sinarmas did not conduct any corporate
aksi korporasi, baik dalam bentuk pemecahan saham, actions, whether in the form of stock splits, reverse stock,
penggabungan saham, dividen saham, pembagian saham stock dividends, bonus share distributions, or changes in the
bonus, maupun perubahan nilai nominal saham. nominal value of shares.
Penghentian Sementara Perdagangan
Selama tahun 2024, Bank Sinarmas tidak menerima sanksi
Temporary Trading Suspension
In 2024, Bank Sinarmas did not receive any sanctions from
13
dari Bursa Efek Indonesia, baik berupa penghentian Indonesia Stock Exchange, whether in the form of temporary
2024
sementara perdagangan saham (suspension) dan/atau suspension of stock trading (suspension) and/or cancellation PERFORMANCE
pembatalan pencatatan saham (delisting). of stock listing (delisting). HIGHLIGHTS
Management
Report
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
Corporate
Governance
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 16
IKHTISAR OBLIGASI/SUKUK
Summary of Bonds/Sukuk
Hingga akhir tahun buku 2024, daftar obligasi Bank Sinarmas Until the end of the 2024 financial year, the list of outstanding
yang masih beredar diuraikan dalam tabel di bawah ini: Bank Sinarmas bonds is outlined in the table below:
Nama Tanggal Tanggal Jatuh Lembaga Bursa Saham
14 Obligasi
Bond Name
Penerbitan
Issuing Date
Nilai Penawaran
Offering Value
Tingkat Bunga
Interest Rate
Tempo
Maturity Date
Peringkat
Rating
Pemeringkat
Rating Agency
Stock
Exchange
IKHTISAR Obligasi 29 Juni 2022 500.000.000.000 6,50% 8 Juli 2027 Ir A PT Kredit Bursa Efek
KINERJA Subordinasi June 29, 2022 July 8, 2027 (Single A) Rating Indonesia
2024 Berkelanjutan Indonesia Indonesia
I Bank Stock
Sinarmas Exchange
Laporan Tahap I Tahun
Manajemen 2022
Sustainable
Profil Subordinated
Perusahaan Bonds I Bank
Sinarmas
Phase I Year
Analisis dan 2022
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
Tata Kelola
Perusahaan
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 17
PENCAPAIAN KINERJA 2024 [OJK B.1][OJK B.2][OJK B.3]
2024 Performance Achievements
EKONOMI Economy
PENDAPATAN OPERASIONAL LABA BERSIH
Operating Revenues Net Profit
RP
3.575 miliar
billion
RP
370 miliar
billion
3.549 miliar | billion (2023) 76 miliar | billion (2023)
15
PERSENTASE JUMLAH KREDIT/PEMBIAYAAN PELIBATAN
KEGIATAN USAHA BERKELANJUTAN TERHADAP PIHAK LOKAL 2024
JUMLAH KREDIT/ PEMBIAYAAN BANK Local Party PERFORMANCE
Percentage of Total Loans/Financing of Engagement HIGHLIGHTS
Sustainable Business Activities to Total Loans/
Financing of the Bank
16,07 % 9.695
Management
agen laku pandai Report
laku pandai agents
Company
13,82 % (2023) 9.260 agen laku pandai | laku pandai agents (2023) Profile
LINGKUNGAN Environment Management
Discussion and
Analysis
PENGGUNAAN ENERGI EMISI YANG DIHASILKAN
Energy Usage Emissions Generated
1.993,94 416,50
Business
Support
GJ TonCO2 eq Overview
1.542,80 GJ (2023) 318,20 TonCO2 eq (2023) Corporate
Governance
PEMAKAIAN AIR LIMBAH KERTAS
Water Usage Waste Paper Sustainability
Report
RP
36,16 juta
million 4,53 ton
tons
39,73 juta | million (2023) 3,75 ton | tons (2023)
SOSIAL Social
JUMLAH JAM PELATIHAN RATA-RATA JAM REALISASI BIAYA TJSL
KARYAWAN BANK PELATIHAN PER SOSIAL KEMASYARAKATAN
SINARMAS 2024 KARYAWAN 2024 DAN PENDIDIKAN
Total Training Hours of Bank Average Employee Realization of TJSL Costs
Sinarmas Employees 2024 Training Hours 2024 for Social Community and
91,48 1.972,77
Education
445.707,52 jam jam/karyawan
RP
juta
hours hours/employee million
406.645,51 jam | hours (2023) 76,78 jam | hours (2023) 2.640 juta | million (2023)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 18
PERISTIWA PENTING
Event Highlights
01 2 JANUARI / JANUARY 2, 2024 05 6 AGUSTUS / AUGUST 6, 2024
Spin Off Nanobank Penandatanganan Perjanjian Fasilitas Pinjaman
Spin Off Nanobank Telkomsel
Signing Ceremony of Telkomsel Loan Facility
Agreement
16
IKHTISAR 02 16 MEI / MAY 16, 2024
KINERJA 06 30 AGUSTUS / AUGUST 30, 2024
2024 Rapat Umum Pemegang Saham Tahunan Bank
Sinarmas Penandatanganan Perjanjian Kerja Sama Antara
Laporan Annual General Meeting of Shareholders of Bank PLN, PLN Icon Plus dengan Bank dan Pos Tentang
Manajemen Sinarmas Pengelolaan Dana atas Penyesuaian Sistem P2APST
Signing of Cooperation Agreement between PLN,
Profil PLN Icon Plus with Banks and Posts Regarding Fund
Perusahaan
Management for P2APST System Adjustment
Analisis dan
Pembahasan
Manajemen
03 19 JULI / JULY 19, 2024
Penandatanganan Perjanjian Kerja Sama antara KSEl
Tinjauan dengan 23 Bank Administrator RDN-Bank Pembayaran
Pendukung
periode 2024-2029
07 28 OKTOBER / OCTOBER 28, 2024
Bisnis
Signing of Cooperation Agreement between KSEl and Rapat Umum Pemegang Saham Luar Biasa Bank
Tata Kelola 23 RDN Administrator Banks-Payment Banks for the Sinarmas
Perusahaan period of 2024-2029 Extraordinary General Meeting of Shareholders of Bank
Sinarmas
Laporan
Keberlanjutan
04 2 AGUSTUS / AUGUST 2, 2024
08 26 NOVEMBER / NOVEMBER 26, 2024
Kerjasama Quick Response Code Indonesian Standard
(QRIS) antara Bank Sinarmas dan ALTO Paparan Publik Bank Sinarmas 2024
Cooperation of Quick Response Code Indonesian Public Expose Bank Sinarmas 2024
Standard (QRIS) between Bank Sinarmas and ALTO
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 19
01 02
03 04
17
2024
PERFORMANCE
HIGHLIGHTS
Management
Report
Company
Profile
05 06
Management
Discussion and
Analysis
Business
Support
Overview
Corporate
Governance
Sustainability
07 08 Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 20
PENGHARGAAN DAN SERTIFIKASI
Awards and Certifications
PENGHARGAAN
Awards
PT. Bank Sinarmas, Tbk PT. Bank Sinarmas, Tbk PT. Bank Sinarmas, Tbk
THE BEST THE BEST THE BEST
MOBILE BANKING CONVENTIONAL BANK (KBMI 2) INTERNET BANKING CONVENTIONAL BANK (KBMI 2) CREDIT CARD CONVENTIONAL BANK (KBMI 2)
Asset Class <Rp.50T Asset Class <Rp.50T Asset Class <Rp.50T
18 1 April / April 1, 2024 1 April / April 1, 2024 1 April / April 1, 2024
IKHTISAR The Best Mobile Banking Bank The Best Internet Banking Bank The Best Credit Card Bank Umum
KINERJA Umum Konvensional 2024 Umum Konvensional 2024 Konvensional 2024
2024 The Best Mobile Banking for The Best Internet Banking for The Best Credit Card for
Conventional Commercial Banks Conventional Commercial Banks Conventional Commercial Banks
2024 2024 2024
Laporan
Manajemen Penyelenggara / Organizer Penyelenggara / Organizer Penyelenggara / Organizer
Infobank Infobank Infobank
Profil
Perusahaan
Analisis dan
Pembahasan
Manajemen
PT. Bank Sinarmas, Tbk PT. Bank Sinarmas, Tbk PT. Bank Sinarmas, Tbk
THE BEST THE 2nd BEST THE 2nd BEST
MORTAGAGE LOAN CONVENTIONAL BANK (KBMI 2) SAVINGS ACCOUNT CONVENTIONAL BANK (KBMI 2) DEBIT CARD CONVENTIONAL BANK (KBMI 2)
Asset Class <Rp.50T Asset Class <Rp.50T
Tinjauan
Asset Class <Rp.50T
Pendukung
Bisnis
Tata Kelola 1 April / April 1, 2024 1 April / April 1, 2024 1 April / April 1, 2024
Perusahaan
The Best KPR Bank Umum The 2nd Best Tabungan Bank The 2nd Best Debit Card Bank
Konvensional 2024 Umum Konvensional 2024 Umum Konvensional 2024
Laporan The Best Mortgage for Conventional The 2nd Best Savings Account of The 2nd Best Debit Card
Keberlanjutan Commercial Banks 2024 Conventional Commercial Bank Conventional Commercial Bank
2024 2024
Penyelenggara / Organizer
Infobank Penyelenggara / Organizer Penyelenggara / Organizer
Infobank Infobank
PT. Bank Sinarmas, Tbk
THE 3rd BEST This Award is Presented to
CONVENTIONAL BANK (KBMI 2)
Asset Class <Rp.50T
PT BANK SINARMAS TBK
As the Winner of
5th Indonesia Top Bank Awards 2024
in KBMI 2 Category
Thursday, June 20th, 2024
1 April / April 1, 2024 1 Juni / June 1, 2024 20 Juni / June 20, 2024
The 3rd Best Bank Umum The Most 500 Outstanding Women 5th Indonesia Top Bank Awards
Konvensional 2024 2024 2024
The 3rd Best Conventional The Most 500 Outstanding Women 5th Indonesia Top Bank Awards
Commercial Bank of 2024 2024 2024
Penyelenggara / Organizer Penyelenggara / Organizer Penyelenggara / Organizer
Infobank Infobank Iconomics
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 21
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
THE BEST - BRANCH ATM THE 2nd BEST - LIVE CHAT
Enny Kamal CONVENTIONAL BANK CONVENTIONAL BANK
Direktur Operation, Data & Analytic PT Bank Sinarmas Tbk
25 Juni / June 25, 2024 2 Juli / July 2, 2024 2 Juli / July 2, 2024
Top 100 Indonesia Inspiring Women The 1st Branch ATM Bank Umum The 2nd Best Live Chat Bank
Award 2024 Konvensional 2024 Umum Konvensional 2024
100 Most Inspiring Women of First Branch ATM of Conventional The 2nd Best Live Chat Conventional
Indonesia 2024 Commercial Bank 2024 Commercial Bank 2024
Penyelenggara / Organizer Penyelenggara / Organizer 19
Peluang Infobank Penyelenggara / Organizer
Infobank
2024
PERFORMANCE
HIGHLIGHTS
Warta Ekonomi proudly honors:
Management
Report
PT Bank Sinarmas Tbk.
as
Indonesia Best Bank 2024 for Enhancing Performance Growth through
Strategies Implementation
Category
KBMI 2, Swasta
Wednesday, July 31st 2024
The Sultan Hotel & Residence, Jakarta
Company
Muhamad Ihsan
CEO & Chief Editor
Profile
31 Juli / July 31, 2024 8 Agustus / August 8, 2024 Management
Discussion and
19 Juli / July 19, 2024 Indonesia Best Bank 2024 for Smartfren Appreciation & Analysis
Enhancing Performance Growth Collaboration Day 2024: Best
Human Resources Excellence through Strategies Implementation Innovative Technology Integration
Awards 2024 Indonesia Best Bank 2024 for Smartfren Appreciation &
The Best Excellence in Work - Life Enhancing Performance Growth Collaboration Day 2024: Best Business
Harmony through Strategy Implementation Innovative Technology Integration Support
Overview
Penyelenggara / Organizer Penyelenggara / Organizer Penyelenggara / Organizer
HumanResources Warta Ekonomi Smartfren for Business
Corporate
Governance
Sustainability
Report
8 Agustus / August 8, 2024 5 September / September 5, 2024 5 September / September 5, 2024
Smartfren Appreciation & Asian Technology Excellence Awards Asian Technology Excellence
Collaboration Day 2024: 2024 - Indonesia Technology Awards 2024 - Indonesia
Best Business Productivity Excellence Award for Automation - Technology Excellence Award for
Transformation MSME Loan Origination System Mobile - SimobiPlus Revamp
Smartfren Appreciation & Asian Technology Excellence Awards Asian Technology Excellence Awards
Collaboration Day 2024: Best 2024 - Indonesia Technology 2024 - Indonesia Technology
Business Productivity Transformation Excellence Award for Automation - Excellence Award for Mobile -
MSME Loan Origination System SimobiPlus Revamp
Penyelenggara / Organizer
Smartfren for Business Penyelenggara / Organizer Penyelenggara / Organizer
The Asian Business Review The Asian Business Review
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 22
PENGHARGAAN
Awards
11 Oktober / October 11, 2024
24 November / November 24, 2024
The Best Indonesia Annual Report
Award 2024 - Platinum Award (A)(Very
Excellent) (5 Stars *****) 19 November / November 19, 2024 Techconnect Excellence Award 2024
The Best Indonesia Annual Report Award The 1st Winner of Excellence in
2024 - Platinum Award (A)(Very Excellent) Linkedin Talent Awards 2024 Creating Leaders and Its Development
20 (5 Stars *****) The Best Talent Acquisition Team Pipeline
Penyelenggara / Organizer Penyelenggara / Organizer
Economic Review LinkedIn Penyelenggara / Organizer
IKHTISAR Techconnect
KINERJA
2024
Laporan
Manajemen
Profil
Perusahaan
Analisis dan
Pembahasan 26 November / November 26, 2024 29 November / November 29, 2024
Manajemen
Indonesia Client Appreciation Night 2024 - Outstanding TOP 100 CEO & 200 Future Leaders Forum 2024 - HOW
Corporate Card Volume GREAT LEADER CREATES MORE LEADERS
Tinjauan Indonesia Client Appreciation Night 2024 - Outstanding TOP 100 CEO & 200 Future Leaders Forum 2024 - HOW
Pendukung Corporate Card Volume GREAT LEADER CREATES MORE LEADERS
Bisnis
Penyelenggara / Organizer Penyelenggara / Organizer
VISA Infobank
Tata Kelola
Perusahaan
Laporan SERTIFIKASI
Keberlanjutan Certification
Masa Berlaku / Validity Period
12 Maret 2023-11 Maret 2026 / March 12, 2023-March 11, 2026
ISO 27001: Sistem Manajemen Keamanan Informasi pada Layanan Mobile Banking SimobiPlus*), Internet Banking
(Personal & Corporate)*), Pega System CS*), & Pega Loan Origination System (LOS)
ISO 27001: Information Security Management System for Mobile Banking Services Simobiplus*), Internet Banking (Personal &
Corporate)*), Pega System CS*), & Pega Loan Origination System (LOS)
Penyelenggara / Organizer
Bureau Veritas
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Page 23
Page 24
LAYANAN PRIORITAS: SOLUSI
BERKELANJUTAN BAGI ENTREPRENEURS
INDONESIA
Priority Banking: Lifetime Banking Solutions for
Indonesia’s Entrepreneurs
Dalam rangka memperkuat komitmen sebagai mitra strategis In strengthening its commitment as a strategic partner for
para entrepreneurs Indonesia, khususnya di kota-kota Tier 2 dan Indonesian entrepreneurs, particularly in Tier 2 and Tier 3
3, Bank Sinarmas terus mengembangkan layanan Perbankan cities, Bank Sinarmas continues to develop its Priority Banking
Prioritas sebagai one-stop solution dan bentuk nyata dari services as a one-stop solution and a tangible representation
konsep “Lifetime Banking for Entrepreneurs.” Dengan fokus of the “Lifetime Banking for Entrepreneurs” concept. With
pada: primary focus on:
Membangun kepercayaan dan Memberikan akses ke
keamanan finansial dalam pengetahuan, produk investasi,
ekosistem konglomerasi dan peluang usaha yang dapat
Building trust and financial security dimanfaatkan oleh para nasabah
within the conglomerate ecosystem prioritas
Providing access to knowledge,
investment products, and business
opportunities
Highlight Program & Benefits 2025
Highlights of Program & Benefits for 2025
Di tahun 2025, Bank Sinarmas mengaktivasi sejumlah program In 2025, Bank Sinarmas will activate a series of strategic programs
strategis untuk mendukung pertumbuhan aset dan loyalitas to support asset growth and customer loyalty, including:
nasabah prioritas, antara lain:
Member Get Member (MGM) – Program referensi Member Get Member (MGM) – An exclusive referral program
eksklusif yang mendorong nasabah prioritas untuk encouraging priority customers to invite family, colleagues, and
mengajak keluarga, kolega, dan rekan usaha business partners to join as priority customers, with attractive
bergabung sebagai nasabah prioritas, dengan rewards as a form of appreciation.
hadiah menarik sebagai bentuk apresiasi.
Bebas Biaya Transfer – Fasilitas transaksi bebas Free Transfer Fees – Fee-free for transactions between banks,
biaya antarbank, RTGS, dan SKN bagi nasabah RTGS, and SKN for priority customers through the Simobi+ digital
prioritas melalui kanal digital Simobi+, guna channel, supporting both personal and business transaction
mendukung efisiensi transaksi pribadi maupun efficiency.
bisnis.
Simas Diamond Card & Red Diamond Infinite Simas Diamond Card & Red Diamond Infinite Card – Exclusive
Card – Kartu debit dan kartu kredit khusus prioritas debit and credit cards for priority customers with access to
dengan akses ke airport lounge, perlindungan airport lounges, travel insurance protection, and other exclusive
asuransi perjalanan, dan benefit eksklusif lainnya. benefits.
Page 25
Consolidated e-Statement – Inovasi digital Consolidated e-Statement – A digital innovation in the form
dalam bentuk laporan keuangan terintegrasi of an integrated financial statement that allows customers to
yang memudahkan nasabah memantau seluruh monitor their entire portfolio (savings and loans) and transactions
portofolio (simpanan dan pinjaman) dan transaksi in one concise, secure, and accessible view at any time.
dalam satu tampilan ringkas, aman, dan dapat
diakses kapan saja.
Education Assistance – Layanan konsultasi Education Assistance – Consultation services for planning
perencanaan dana pendidikan untuk anak-anak educational funds for priority customers’ children, including cost
nasabah prioritas, termasuk simulasi kebutuhan simulations and recommendations for suitable financial products.
biaya dan rekomendasi produk keuangan yang
sesuai.
Exclusive Event – Rangkaian acara eksklusif Exclusive Event – A series of exclusive events, such as private
seperti private viewing luxury brand dan intimate luxury brand viewings and intimate customer gatherings, held
customer gathering diadakan secara rutin sebagai regularly to foster interaction between customers and the Bank
wadah interaksi antara nasabah dan ekosistem Sinarmas business ecosystem.
bisnis Bank Sinarmas.
Festive Gift – Program seasonal reward yang Festive Gift – A seasonal reward program designed to
dirancang untuk mempererat hubungan emosional strengthen emotional bonds with customers by offering special
dengan nasabah melalui pemberian hadiah spesial gifts during significant occasions such as Chinese New Year, Eid,
pada momen-momen istimewa seperti Imlek, and Christmas.
Lebaran, dan Natal.
Peningkatan Infrastruktur & Jangkauan
Infrastructure Improvement & Reach Expansion
Untuk memperluas cakupan layanan prioritas, Bank Sinarmas To expand the coverage of its priority services, Bank Sinarmas
meluncurkan cabang prioritas baru di Sinar Mas Land Plaza, has launched a new priority branch at Sinar Mas Land Plaza,
Jakarta Pusat. Cabang ini merupakan kantor cabang prioritas Central Jakarta. This branch is the second priority branch,
kedua setelah sebelumnya dibuka di Agora Mall. Ini merupakan following the opening at Agora Mall. This is part of the service
bagian dari strategi ekspansi layanan ke area dengan potensi expansion strategy targeting areas with a potential customer
nasabah yang membutuhkan layanan entrepreneurial banking base requiring entrepreneurial banking services in large cities.
di kota besar.
Fasilitas unggulan meliputi: Key facilities include:
One Stop Ruang Tunggu Ruang Meeting/
Banking Service VIP Dealing
One-stop VIP Waiting Eksklusif
Banking Service Area Exclusive
Meeting/Dealing
Rooms
Page 26
Kontribusi terhadap Strategi Jangka Panjang
Contribution to Long-Term Strategy
Melalui pengembangan layanan prioritas, Bank Sinarmas Through the development of priority services, Bank Sinarmas
berkontribusi terhadap pencapaian strategi jangka panjang contributes to the achievement of the long-term strategy
“Unlocking Entrepreneurial Banking Potential”, yang berfokus “Unlocking Entrepreneurial Banking Potential,” which focuses
pada: on:
Membangun Meningkatkan Memperluas
sistem literasi inklusi layanan
keuangan keuangan dan perbankan
yang kuat dan akses terhadap ke kota-kota
inklusif usaha berkembang
Building a Enhancing Expanding
strong and financial literacy banking service
inclusive and business inclusion to
financial system access emerging cities
Jadikan setiap kebutuhan tak lagi
menyulitkan, nikmati keistimewaan
menjadi Nasabah Prioritas.
Make every need effortless, experience the
privilege of being a Priority Customer.
Page 27
LAPORAN MANAJEMEN
Management Report
.02
Page 28
LAPORAN
DEWAN KOMISARIS
Board of Commissioner’s
Report
26
TJENDRAWATI WIDJAJA
Komisaris Utama
President Commissioner
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
P
uji dan syukur sepatutnya kita panjatkan kepada
Tuhan Yang Maha Kuasa, karena PT. Bank Sinarmas
Tbk. (“Bank Sinarmas”, “Bank”) mampu melalui
tahun buku 2024 dengan hasil usaha yang baik.
Melalui laporan ini, Dewan Komisaris menyampaikan
pelaksanaan tugas dan fungsi yang merupakan bagian dari
pelaksanaan peraturan perundang-undangan terkait tugas dan
tanggung jawab Dewan Komisaris, sekaligus wujud transparansi
dan keterbukaan informasi Bank.
Mengacu pada regulasi, tugas utama Dewan Komisaris adalah
melakukan pengawasan dan memberikan nasihat kepada
Direksi terkait dengan pengelolaan kegiatan usaha Bank.
Dear Valued Shareholders and Stakeholders,
P
raise and gratitude to God Almighty for allowing
PT. Bank Sinarmas Tbk. (“Bank Sinarmas” or “the
Bank”) to complete the fiscal year 2024 with
strong business results. Through this report, the
Board of Commissioners would like to convey
the implementation of duties and functions that are part of the
implementation of laws and regulations related to the Board of
Commissioners’ duties and responsibilities, as well as a form of
transparency and openness of Bank information.
According to the regulations, the primary function of the Board of
Commissioners is to oversee and advise the Board of Directors
on the management of the Bank’s business activities. These
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 29
Pencapaian yang telah direalisasikan oleh
manajemen pada tahun 2024 akan semakin
membuka peluang bagi Bank untuk terus
berkembang.
The achievements Management delivered in 2024
will open up opportunities for the Bank to thrive
even further.
27
2024
Performance
Highlights
MANAGEMENT
REPORT
Peraturan perundang-undangan yang melandasi ketentuan provisions are supported by laws and regulations such as Law
Company
tersebut, antara lain Undang-Undang Perseroan Terbatas Nomor No. 40 of 2007 on Limited Liability Companies and Financial Profile
40 tahun 2007 tentang Perseroan Terbatas. Selain itu, Peraturan Services Authority Regulation (POJK) Number 33/POJK.04/2014
Otoritas Jasa Keuangan (POJK) Nomor 33/POJK.04/2014 tentang on the Board of Directors and Board of Commissioners of Issuers
Management
Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik. or Public Companies.
Discussion and
Analysis
Dewan Komisaris menyadari bahwa tahun buku 2024 masih The Board of Commissioners recognizes that the fiscal year
penuh dengan tantangan. Perekonomian global dan nasional 2024 remains challenging. The global and national economies
Business
bergerak dalam tekanan, bahkan negara-negara maju masih were under pressure; even developed countries maintained Support
mempertahankan suku bunga yang relatif tinggi demi meredam relatively high interest rates to reduce inflation and keep their Overview
inflasi agar perekonomiannya tetap bergerak positif. economies moving forward.
Corporate
Kondisi eksternal yang bergerak dinamis membutuhkan respons Dynamic external conditions necessitate a prompt and precise Governance
cepat dan tepat sehingga kinerja Bank tidak terdampak negatif response to ensure that external developments do not have
dari perkembangan eksternal yang terjadi. Semua itu dilakukan a negative impact on the Bank’s performance. All of this was Sustainability
dengan baik oleh Direksi serta organisasi di bawahnya, sehingga accomplished effectively by the Board of Directors and the Report
Bank Sinarmas mampu beradaptasi dan menghasilkan kinerja organizations below it, allowing Bank Sinarmas to adapt and
yang positif hingga akhir tahun buku. produce positive results until the end of the fiscal year.
Penilaian atas Kinerja Direksi terkait Assessment of the Board of Directors’
Pengelolaan Bank Performance regarding the Bank Management
Dalam memberikan penilaian terhadap kinerja Direksi, Dewan The Bank Business Plan (RBB), prepared by the Board of
Komisaris berpedoman pada Rencana Bisnis Bank (RBB) yang Directors and approved by the Board of Commissioners, serves
telah disusun Direksi serta disetujui oleh Dewan Komisaris. as the primary guide in assessing the performance of the
RBB tersebut juga disampaikan kepada regulator, yaitu Otoritas Board of Directors. The RBB is also sent to the regulator, the
Jasa Keuangan (OJK). Pada saat bersamaan, Dewan Komisaris Financial Services Authority (OJK). At the same time, the Board of
mempertimbangkan perkembangan situasi yang terjadi, terutama Commissioners considers how the situation evolves, particularly
akibat kondisi eksternal. in light of external conditions.
Dengan pertimbangan tersebut, Dewan Komisaris memandang bahwa With these considerations, the Board of Commissioners views
secara keseluruhan pada tahun 2024, Direksi telah menjalankan tugas that overall in 2024, the Board of Directors has performed its
dan tanggung jawab dengan sangat baik dan berhasil membawa duties and responsibilities very well and succeeded in bringing
Bank Sinarmas pada hasil yang positif. Dewan Komisaris memberikan Bank Sinarmas to positive results. The Board of Commissioners
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 30
apresiasi kepada Direksi yang telah menerapkan strategi dan gives appreciation to the Board of Directors for implementing
kebijakan strategis dengan tepat sehingga Bank Sinarmas dapat strategic strategies and policies appropriately so that Bank
merespons perkembangan eksternal dengan baik. Sinarmas can respond well to external developments.
Dari sisi keuangan, Bank berhasil membukukan laba bersih Financially, the Bank achieved a net profit of Rp370 billion, which
sebesar Rp370 miliar, lebih tinggi 388,33% dibandingkan tahun is 388.33% higher than the Rp76 billion earned in 2023. This
2023 yang sebesar Rp76 miliar. Kinerja laba tersebut, terutama profit performance was primarily driven by an increase in interest
ditopang oleh pertumbuhan pendapatan bunga dan pendapatan interest income and non-interest operating income.
operasional di luar bunga.
Selain itu, secara fundamental, permodalan Bank juga semakin Furthermore, the Bank’s capital is becoming stronger, as
kuat, seperti ditunjukkan melalui rasio Kewajiban Penyediaan Modal evidenced by the improving ratio of the Capital Adequacy Ratio.
Minimum (KPMM) yang membaik. Jika pada tahun 2023 sebesar In 2023, it was 25.34%, and in 2024, it rose to 30.46%.
25,34%, di tahun 2024 naik menjadi 30,46%.
Dari sisi operasional, perbaikan juga dapat dilihat dari rasio From an operational standpoint, improvements can also be
28 Biaya Operasional terhadap Pendapatan Operasional (BOPO) seen from the ratio of Operating Expenses to Operating Income
yang pada tahun 2023 sebesar 103,36%, turun menjadi 90,83% (BOPO) which in 2023 amounted to 103.36%, falling to 90.83%
Ikhtisar Kinerja pada tahun 2024. in 2024.
2024
Peluang Bank untuk mencapai obyektif jangka panjang yaitu The Bank’s opportunity to achieve its long term objective of
LAPORAN
menjadi payment and transaction bank, semakin terbuka, dengan becoming a payment and transaction bank has increased,
MANAJEMEN
terjadinya peningkatan pada rasio dana murah (Current Account with the Current Account Saving Account (CASA) increasing to
Profil Saving Account/CASA) yang pada tahun 2024 menjadi 75,88%, 75.88% in 2024 from 72.42% the previous year.
Perusahaan dari 72,42% di tahun sebelumnya.
Analisis dan Pengawasan Dewan Komisaris dalam The Board of Commissioners’ Supervision
Pembahasan Perumusan dan Implementasi Strategi Bank in Formulating and Implementing Bank
Manajemen
Strategies
Sebagai bagian dari pelaksanaan fungsi pengawasan, Dewan As part of the supervisory function, the Board of Commissioners
Tinjauan
Pendukung Komisaris terlibat aktif sejak dari perumusan hingga implementasi is actively involved in the development and implementation of
Bisnis strategi dan kebijakan strategis Bank. Untuk perumusan target the Bank’s strategies and policies. The Board of Commissioners
dan strategi usaha yang disampaikan melalui RBB, Dewan approves business targets and strategies conveyed through the
Tata Kelola Komisaris memberikan persetujuan setelah melalui analisis dan RBB after analysis and discussion with the Board of Directors.
Perusahaan
pembahasan bersama Direksi.
Laporan
Keberlanjutan Pada tahap implementasi, pola pengawasan yang dilakukan oleh In the implementation stage, the Board of Commissioners’
Dewan Komisaris, antara lain melalui rapat gabungan bersama supervisory pattern includes, among others, joint meetings with the
Direksi. Selain itu, komite-komite di bawah Dewan Komisaris juga Board of Directors. Furthermore, the committees under the Board of
memiliki peran pengawasan, yang hasilnya disampaikan sebagai Commissioners have a supervisory role, with the results submitted
masukan bagi Dewan Komisaris dalam memberikan rekomendasi. as input to the Board of Commissioners for recommendations.
Dewan Komisaris turut memastikan strategi yang telah The Board of Commissioners also ensures that the strategies
dirumuskan oleh Direksi selaras dengan visi dan misi Bank, developed by the Board of Directors are consistent with the
serta dapat menghadapi tantangan dan peluang yang ada di Bank’s vision and mission, and that they can meet the challenges
lingkungan bisnis. Selain itu, strategi yang dijalankan oleh Bank and opportunities of the business environment. Furthermore,
telah mempertimbangkan prinsip kehati-hatian dan berkelanjutan, the Bank’s strategies have taken into account the principles of
sehingga dapat memberikan manfaat jangka panjang bagi Bank prudence and sustainability, ensuring long-term benefits for the
dan para pemangku kepentingan. Bank and its stakeholders.
Bank Sinarmas mendapatkan nilai dengan kategori
“Baik” dalam penerapan GCG, berdasarkan
penilaian yang dilakukan secara mandiri. Kondisi ini
akan terus dijaga dan dipertahankan ke depannya.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 31
Bank Sinarmas received a score of “Good” category in
the implementation of GCG, based on the assessment
conducted independently. This condition will continue to
be maintained in the future.
Dewan Komisaris juga melakukan pengawasan terhadap berbagai The Board of Commissioners also oversees various Bank risk
kegiatan Bank yang berkaitan dengan pengelolaan risiko, baik management activities, both financial and non-financial risks,
risiko keuangan maupun risiko non-keuangan. Hal ini dilakukan to ensure that the Bank can effectively manage risks and
untuk memastikan bahwa Bank dapat mengelola risiko dengan achieve its business objectives. In addition to supervising the
baik, sehingga dapat mencapai tujuan bisnis secara optimal. strategy’s implementation, the Board of Commissioners ensures
Dalam mengawasi implementasi strategi, Dewan Komisaris juga that the Bank conducts business activities in accordance with
berperan dalam memastikan bahwa Bank menjalankan kegiatan
bisnis sesuai dengan prinsip tata kelola perusahaan yang baik dan
the principles of good and sustainable corporate governance,
allowing it to gain stakeholders’ trust.
29
berkelanjutan, sehingga dapat memperoleh kepercayaan dari para
pemangku kepentingan. 2024
Performance
Highlights
Dari hasil pengawasan yang dilakukan, Dewan Komisaris Based on the results of the supervision, the Board of
berpandangan bahwa Direksi telah merumuskan strategi serta Commissioners believes that the Board of Directors formulated
MANAGEMENT
mengimplementasikannya dengan sangat baik. Karena itu, Dewan and implemented the strategy effectively. Thus, the Board of REPORT
Komisaris memberikan apresiasi kepada Direksi. Commissioners expresses its gratitude to the Board of Directors.
Frekuensi dan Cara Pemberian Nasihat Company
Frequency and Procedures for Providing Profile
kepada Direksi Advice to the Board of Directors
Sepanjang tahun buku, Dewan Komisaris telah melakukan rapat Throughout the fiscal year, the Board of Commissioners
dengan Direksi sebanyak 11 kali. Beberapa agenda yang dibahas, Management
organized 11 meetings with the Board of Directors. Several Discussion and
antara lain mencakup kinerja yang telah dicapai oleh Direksi. agendas discussed include, among others, the performance Analysis
achieved by the Board of Directors.
Business
Rapat-rapat tersebut merupakan wadah penting bagi Dewan These meetings provided valuable opportunities for the Board Support
Komisaris untuk memberikan nasihat dan arahan kepada Direksi of Commissioners to advise and guide the Board of Directors Overview
terkait berbagai kebijakan dan strategi Bank. Dewan Komisaris on various corporate policies and strategies. The Board of
secara aktif memberikan masukan dan evaluasi terhadap kinerja Commissioners actively provides feedback and evaluations on Corporate
Direksi serta memberikan pandangan terkait situasi ekonomi dan the Board of Directors’ performance, as well as insights into Governance
industri perbankan yang relevan. current economic and banking industry conditions.
Sustainability
Selain memantau, Dewan Komisaris juga memberikan nasihat In addition to monitoring, the Board of Commissioners also Report
kepada Direksi. Hal itu dilakukan melalui rekomendasi, baik provides advice to the Board of Directors. This is done through
secara langsung dalam rapat Dewan Komisaris dengan Direksi recommendations, either directly in meetings of the Board
maupun melalui komite di bawah Dewan Komisaris. of Commissioners with the Board of Directors or through
committees under the Board of Commissioners.
Pemberian nasihat oleh Dewan Komisaris kepada Direksi juga dapat The Board of Commissioners can provide advice to the Board
dilakukan di luar rapat. Dewan Komisaris mendapatkan masukan of Directors outside of meetings. The Board of Commissioners
dari komite-komite yang merupakan organ pendukung pelaksanaan receives input from committees that support organs in carrying out
tugas dan fungsi Dewan Komisaris dan hasilnya berupa rekomendasi the Board of Commissioners’ duties and functions, and the results
yang disampaikan kepada Direksi. are presented to the Board of Directors as recommendations.
Pandangan atas Prospek Usaha yang Business Prospects Views Prepared by the
Disusun oleh Direksi Board of Directors
Perekonomian global pada 2025 diperkirakan menghadapi The global economy in 2025 is expected to face major challenges
tantangan besar akibat ketidakpastian yang meningkat, terutama due to increasing uncertainty, especially the impact of the tariff
dampak perang tarif antara Amerika Serikat dan China. Hal ini war between the United States and China. This worsens the
memperburuk prospek ekonomi dunia yang hanya diperkirakan
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 32
tumbuh 3,3% pada 2025 (IMF), lebih rendah dari rata-rata outlook for the world economy, which is only projected to grow
pertumbuhan global dalam 10 tahun terakhir yang mencapai 3,7%. by 3.3% in 2025 (IMF), lower than the average global growth in
the last 10 years of 3.7%.
Meski menghadapi tekanan global seperti volatilitas harga komoditas, Despite global pressures such as commodity price volatility, a
pelemahan Rupiah dan pelambatan permintaan dari negara mitra weakening Rupiah, and slowing demand from trading partners, the
dagang, perekonomian Indonesia menunjukkan ketahanan yang Indonesian economy has demonstrated impressive resilience. The
cukup baik. World Bank memperkirakan Indonesia akan tumbuh World Bank predicts that Indonesia’s economy will expand by 5.1% in
5,1% pada tahun 2025. Indikator fundamental ekonomi Indonesia 2025. Indonesia’s fundamental economic indicators have also been
juga tercatat lebih kuat dalam menghadapi gejolak global. Sektor recorded as stronger in the face of global turmoil. The banking sector
perbankan diperkirakan tetap resilient berkat kebijakan moneter is expected to remain resilient as a result of accommodative monetary
yang akomodatif dan stabilitas sistem keuangan yang terjaga serta policy and continued financial system stability, as well as opportunities
peluang digitalisasi untuk mempercepat inklusi keuangan dan efisiensi for digitalization to accelerate financial inclusion and operational
operasional. Meskipun tantangan global berlanjut, sektor perbankan efficiency. Despite ongoing global challenges, the Indonesian banking
Indonesia memiliki potensi besar untuk tumbuh dengan fokus pada sector has significant potential for growth, with a focus on strengthening
penguatan ekonomi dalam negeri dan peningkatan kualitas layanan. the domestic economy and improving service quality.
30
Memahami hal ini, kami menilai prospek usaha yang disusun Understanding this situation, we assess that the business
Ikhtisar Kinerja Direksi sebagaimana yang tertuang dalam Rencana Korporasi prospects prepared by the Board of Directors as stated in the
2024
dan Rencana Bisnis Bank (RBB) serta Rencana Aksi Keuangan Corporate Plan and Bank Business Plan (RBB) and the 2024-2028
Berkelanjutan (RAKB) 2024- 2028 telah dirancang dengan Sustainable Finance Action Plan (RAKB) have been designed
LAPORAN
cermat dan realistis. Strategi ini mencerminkan komitmen untuk carefully and realistically. This strategy reflects a commitment
MANAJEMEN
mengoptimalkan peluang digitalisasi, memperkuat manajemen to optimizing digitalization opportunities, strengthening risk
Profil risiko dan pengendalian internal, serta memastikan kelangsungan management and internal control, as well as ensuring the
Perusahaan bisnis Bank yang berkelanjutan dan bertanggung jawab. continuity of the Bank’s sustainable and responsible business.
Analisis dan Kami juga memandang Direksi perlu untuk terus secara proaktif We also consider that the Board of Directors needs to continue
Pembahasan mengantisipasi risiko yang timbul dari dinamika politik, ekonomi, to proactively anticipate risks arising from global political,
Manajemen
dan pasar keuangan global dengan mengadopsi strategi economic, and financial market dynamics by adopting a more
manajemen risiko yang lebih tangguh, memperkuat portofolio robust risk management strategy, strengthening the business
Tinjauan
Pendukung bisnis, serta memperluas diversifikasi produk dan layanan guna portfolio, and expanding product and service diversification to
Bisnis memastikan stabilitas dan pertumbuhan yang berkelanjutan. ensure stability and sustainable growth.
Tata Kelola Pandangan atas Penerapan Tata Kelola Views on the Implementation of Good
Perusahaan
Perusahaan yang Baik Corporate Governance
Dewan Komisaris memandang bahwa penerapan prinsip tata kelola The Board of Commissioners believes that implementing good
Laporan
Keberlanjutan yang baik (Good Corporate Governance/GCG) sangat penting bagi corporate governance (GCG) principles is important for the
Bank untuk menciptakan fundamental usaha yang kokoh demi Bank in order to build a solid business foundation and ensure
menjaga kesinambungan usaha Bank. Perbankan merupakan the Bank’s continued operations. Banking is a financial services
bisnis di sektor jasa keuangan yang menjadikan kepercayaan para business that relies on stakeholder trust to operate.
pemangku kepentingan sebagai landasan dalam bisnis.
Mengacu pada pedoman kerja, Dewan Komisaris wajib memastikan According to the work guidelines, the Board of Commissioners
penerapan tata kelola yang baik (Good Corporate Governance/ is responsible for ensuring that good corporate governance
GCG) terselenggara dalam setiap kegiatan usaha Bank pada (GCG) is implemented in all of the Bank’s business activities at
seluruh tingkatan atau jenjang organisasi. Dalam pelaksanaannya, all levels. In addition to monitoring, the Board of Commissioners
selain melakukan pemantauan, Dewan Komisaris juga melakukan periodically evaluates and assesses a number of GCG
evaluasi dan penilaian terhadap beberapa indikator penerapan implementation indicators.
GCG secara berkala.
Indikator penilaian yang utama mencakup berbagai aspek, seperti The main assessment indicators cover various aspects, such as
kepatuhan terhadap peraturan dan perundang-undangan yang compliance with applicable laws and regulations, transparency
berlaku, transparansi dalam pengambilan keputusan, akuntabilitas in decision-making, accountability of governance organs, and
dari organ tata kelola, serta ketaatan terhadap prinsip-prinsip adherence to principles of ethics and integrity. The Board of
etika dan integritas. Dewan Komisaris juga memeriksa dan menilai Commissioners also examines and assesses the organizational
struktur organisasi, sistem pengendalian internal dan manajemen structure, internal control systems, and risk management, as well
risiko, serta keberlanjutan dari program peningkatan kualitas GCG as the sustainability of the GCG quality improvement programs
yang ditetapkan dalam roadmap tata kelola Bank. established in the Bank’s governance roadmap.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 33
Pada tahun 2024, penilaian penerapan GCG Bank Sinarmas In 2024, Bank Sinarmas conducted an independent GCG self-
dilakukan secara mandiri (self assessment). Hasilnya, Bank assessment. As a result, the Bank received a “Good” rating. This
mendapatkan nilai dengan kategori “Baik”. Kondisi ini akan terus condition will be maintained and preserved in the future.
dijaga dan dipertahankan kedepannya.
Pandangan atas Penerapan Tanggung Views on the Implementation of Good
Jawab Sosial dan Lingkungan Baik Social and Environmental Responsibility
Bank Sinarmas menyadari bahwa setiap kegiatan usaha berpotensi Bank Sinarmas realizes that every business activity has the
memberikan pengaruh kepada pemangku kepentingan, baik potential to impact stakeholders, both directly and indirectly.
secara langsung maupun tidak langsung. Oleh karena itu, Bank Therefore, Bank Sinarmas has a responsibility to provide
Sinarmas memiliki tanggung jawab untuk memberikan kontribusi, contributions economically, socially, and environmentally to
baik secara ekonomi, sosial, maupun lingkungan kepada para stakeholders, which is realized through the implementation of
pemangku kepentingan, yang diwujudkan melalui pelaksanaan the Social and Environmental Responsibility (TJSL) program.
program Tanggung Jawab Sosial dan Lingkungan (TJSL).
Sebagai perusahaan yang bergerak di sektor perbankan, Bank As a bank, Bank Sinarmas incorporates sustainable finance
Sinarmas juga mengintegrasikan aspek keuangan berkelanjutan aspects into its Social and Environmental Responsibility program. 31
dalam program TJSL. Hal ini dimaksudkan untuk menciptakan This is intended to have a greater and more long-term positive
dampak positif yang lebih besar dan berkelanjutan di berbagai impact in various sectors, while balancing economic growth with 2024
sektor, sekaligus memastikan pertumbuhan ekonomi yang social and environmental sustainability in accordance with the Performance
Highlights
seimbang dengan keberlanjutan sosial dan lingkungan yang Sustainable Finance Action Plan (RAKB).
selaras dengan Rencana Aksi Keuangan Berkelanjutan (RAKB).
MANAGEMENT
REPORT
Bank juga telah menetapkan visi keberlanjutan, yakni: “Menjadi The Bank has also established a sustainability vision, namely,
bank swasta nasional yang selalu tumbuh dan memiliki kepedulian “To become a national private bank that always grows and has
sosial dalam menjaga keseimbangan aspek ekonomi, sosial, dan social concern in maintaining the balance of economic, social, Company
Profile
lingkungan.” and environmental aspects.”
Di bidang sosial, program keberlanjutan Bank, antara lain In the social sector, the Bank’s sustainability program, among Management
berorientasi pada pengelolaan sumber daya manusia (SDM), others, focuses on human resource management (HR), Discussion and
Analysis
komitmen terhadap Kesehatan dan Keselamatan Kerja (K3), occupational health and safety (OHS), social and community
pengembangan sosial dan masyarakat, perhatian terhadap development, customer service, products and services, and
pelanggan dan produk serta layanan, serta mempertahankan maintaining good relationships with business partners and Business
Support
hubungan baik dengan mitra bisnis atau rekanan. associates. Overview
Dalam aspek lingkungan, Bank memastikan penyaluran kredit In terms of the environment, the Bank ensures that credit
Corporate
sejalan dengan prinsip keuangan berkelanjutan melalui penilaian disbursement is in line with sustainable finance principles through
Governance
terhadap dokumen debitur, antara lain Analisis Mengenai Dampak an assessment of debtor documents, including Environmental
Lingkungan Hidup (AMDAL) dan Upaya Pengelolaan Lingkungan Impact Analysis (AMDAL) and Environmental Management
Hidup - Upaya Pemantauan Lingkungan Hidup (UKL-UPL). Efforts - Environmental Monitoring Efforts (UKL-UPL). Sustainability
Report
Bank juga menetapkan kebijakan pemberian kredit Usaha The Bank also develops a policy for providing credit to Micro,
Mikro, Kecil, dan Menengah (UMKM) atau Kredit Usaha Rakyat Small, and Medium Enterprises (MSMEs) or People’s Business
(KUR), serta kebijakan pelaksanaan TJSL. Di samping itu, Bank Credit (KUR), as well as a policy for implementing TJSL.
menetapkan kriteria penilaian dan identifikasi terhadap prospek Furthermore, the Bank establishes criteria for assessing and
usaha, pengelolaan risiko lingkungan atas usaha yang dilakukan identifying business opportunities, as well as environmental risk
oleh debitur. Hal tersebut bertujuan untuk memastikan bahwa management for debtor-owned businesses. This is to ensure
debitur tidak berada pada segmen atau kegiatan usaha yang that debtors are not involved in business segments or activities
dilarang oleh pemerintah atau Bank. that are prohibited by the government or the Bank.
Selain itu, Bank Sinarmas juga melakukan pembelian Surat Berharga In addition, Bank Sinarmas purchased Government Securities
Pemerintah Seri FRSDG001 yang merupakan seri Sustainable Series FRSDG001, the first Sustainable Development Goals
Development Goals (SDGs) Bond pertama yang ditawarkan melalui (SDGs) Bond series offered through auction in the domestic
lelang di pasar perdana domestik, pada akhir tahun 2024. primary market, at the end of 2024.
Dewan Komisaris berpandangan, komitmen dan prinsip-prinsip The Board of Commissioners believes that Bank Sinarmas’
di bidang keberlanjutan tersebut telah berjalan dengan baik di
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 34
lingkungan Bank Sinarmas. Kedepan, Dewan Komisaris berhadap commitment and principles in the field of sustainability are effective.
agar Direksi serta organisasi di bawahnya terus mempertahankan In the future, the Board of Commissioners hopes that the Board of
dan mengembangkan penerapan TJSL agar secara kuantitas dan Directors and the organizations that report to it will continue to
kualitas, penerima manfaatnya terus bertambah. maintain and develop the implementation of TJSL, resulting in an
increase in both the quantity and quality of beneficiaries.
Perubahan Komposisi Dewan Komisaris
Changes in the Board of Commissioners’
Sepanjang tahun buku 2024 hingga laporan tahunan ini terbit, Composition
tidak ada perubahan pada komposisi Dewan Komisaris. Dengan In the 2024 financial year until this annual report was published,
demikian, susunannya adalah: there were no changes to the composition of the Board of
Commissioners. Thus, the composition is:
Nama Jabatan
Name Position
Komisaris Utama
Tjendrawati Widjaja
President Commissioner
32
Komisaris Independen
Sammy Kristamuljana
Independent Commissioner
Komisaris Independen
Rusmin
Ikhtisar Kinerja Independent Commissioner
2024
Apresiasi Appreciation
LAPORAN Sebagai penutup, Dewan Komisaris menyampaikan terima kasih
Finally, the Board of Commissioners would like to thank the
MANAJEMEN kepada pemegang saham yang telah memberikan kesempatan
shareholders for giving them the opportunity to become a part
kepada Dewan Komisaris menjadi bagian dari Bank. Begitu juga
Profil of the Bank. Likewise, the direction and guidance provided
dengan arahan dan bimbingan yang diberikan, sehingga Dewan
Perusahaan will help the Board of Commissioners carry out its duties and
Komisaris dapat menjalankan tugas dan fungsinya dengan baik.
functions effectively.
Analisis dan
Pembahasan Atas pencapaian kinerja yang sangat baik pada tahun 2024,
The Board of Commissioners wishes to express its heartfelt
Manajemen Dewan Komisaris menyampaikan penghargaan yang setinggi-
gratitude to the Board of Directors and all organizations that
tingginya kepada Direksi dan seluruh organisasi di bawahnya.
report to it for their outstanding performance in 2024. The
Tinjauan Kepada regulator, Dewan Komisaris juga menyampaikan terima
Pendukung Board of Commissioners would also like to thank the regulators
Bisnis kasih atas bimbingan dan pengawasannya, sehingga usaha
for their guidance and supervision, which ensures that the
Bank berjalan dengan baik sesuai dengan regulasi yang telah
Bank’s operations run smoothly in accordance with established
Tata Kelola ditetapkan dan praktik bisnis terbaik di tengah tantangan kegiatan
regulations and best business practices despite the challenges
Perusahaan usaha yang tidak mudah.
of difficult business activities.
Laporan Kepada para pemangku kepentingan lain, Dewan Komisaris
Keberlanjutan To other stakeholders, the Board of Commissioners would like to
mengucapkan terima kasih atas kerja sama yang sudah berjalan
thank them for the cooperation that has been carried out so far.
selama ini. Dengan dukungan para pemangku kepentingan pula,
With the support of stakeholders, management is able to present
manajemen mampu menyajikan kinerja usaha yang baik untuk
good business performance for the 2024 financial year.
tahun buku 2024.
Jakarta, 25 April 2025
Atas nama Dewan Komisaris PT. Bank Sinarmas Tbk.
On behalf of the Board of Commissioners of PT. Bank Sinarmas Tbk.
Tjendrawati Widjaja
Komisaris Utama
President Commissioner
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 35
DEWAN KOMISARIS
Board of Commissioners
RUSMIN SAMMY KRISTAMULJANA
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
TJENDRAWATI WIDJAJA
Komisaris Utama
President Commissioner
33
2024
Performance
Highlights
MANAGEMENT
REPORT
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
Corporate
Governance
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 36
LAPORAN
DIREKSI [OJK D.1][GRI 2-22]
Board of Director’s
Report
34
Ikhtisar Kinerja
2024
LAPORAN
MANAJEMEN FRENKY TIRTOWIJOYO
Presiden Direktur
Profil President Director
Perusahaan
Analisis dan
Pembahasan Pemegang Saham dan Pemangku Kepentingan yang
Manajemen Terhormat,
S
Tinjauan ajian laporan tahunan PT. Bank Sinarmas
Pendukung
Bisnis
Tbk. (“Bank Sinarmas”, “Bank”) untuk tahun
2024 ini merupakan bagian dari laporan
Tata Kelola pertanggungjawaban manajemen atas
Perusahaan pengelolaan kegiatan usaha sepanjang tahun
buku. Secara umum, situasi pada tahun tersebut masih sangat
Laporan dinamis. Kendati demikian, Bank berhasil membukukan
Keberlanjutan kinerja yang positif.
Pencapaian kinerja tersebut, antara lain ditunjukkan melalui
laba bersih Bank Sinarmas yang mencapai Rp370 miliar.
Dibandingkan tahun 2023 yang sebesar Rp76 miliar, terjadi
kenaikan 388,33%. Hal ini didukung oleh penerapan strategi
dan kebijakan strategis yang tepat.
T
his presentation of PT. Bank Sinarmas Tbk’s.
2024 annual report (“Bank Sinarmas” or “the
Bank”) is part of the management accountability
report for the fiscal year’s business activities. In
general, the situation throughout the year was
dynamic. Nonetheless, the Bank managed to post a positive
performance.
The achievement of this performance is demonstrated,
among others, through Bank Sinarmas’ net profit, which
reached Rp370 billion. Compared to 2023, which was Rp76
billion, there was an increase of 388.33%. This is supported
by the implementation of appropriate strategies and policies.
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PT. Bank Sinarmas Tbk. 2024
Page 37
Melalui penerapan strategi yang tepat, Bank
berhasil meningkatkan laba bersih sebesar
255,33% dibandingkan tahun sebelumnya.
Through the implementation of appropriate
strategies, Bank managed to increase net profit by
255.33% compared to the previous year.
35
2024
Performance
Highlights
Kinerja Bank Sinarmas juga mendapat apresiasi dari pihak Bank Sinarmas’ performance has been recognized by MANAGEMENT
eksternal, yakni dalam bentuk penghargaan. Di antaranya, external parties in the form of awards. Among them are REPORT
penghargaan dalam Indonesia Technology Excellence awards at the 2024 Indonesia Technology Excellence Awards
Awards 2024 di Bangkok, Thailand berupa “Indonesia in Bangkok, Thailand, such as the “Indonesia Technology Company
Technology Excellence Awards 2024 for Mobile-Banking for Excellence Awards 2024 for Mobile-Banking for SimobiPlus Profile
SimobiPlus Revamp” dan “Indonesia Technology Excellence Revamp” and the “Indonesia Technology Excellence Award
Award for Automation- Banking for MSME Loan Origination for Automation-Banking for MSME Loan Origination System.”
Management
System”. Discussion and
Analysis
Kedua penghargaan itu diperoleh atas keberhasilan Bank Both awards were obtained for the Bank’s success in
mengembangkan aplikasi mobile banking SimobiPlus serta developing the SimobiPlus mobile banking application Business
peluncuran sistem originasi pinjaman Usaha Mikro, Kecil, dan and launching the Micro, Small, and Medium Enterprises Support
Menengah (UMKM). Sistem tersebut merupakan otomatisasi (MSME) loan origination system. The system is an end-to- Overview
proses bisnis end-to-end untuk originasi pinjaman, penilaian end business process automation for loan origination, credit
kredit, penjaminan, dan persetujuan pinjaman. assessment, underwriting, and loan approval. Corporate
Governance
Perkembangan Kondisi Ekonomi dan Development of Economic and Industrial
Industri Conditions Sustainability
The global economic situation, according to the Ministry of Report
Situasi perekonomian global, sebagaimana disampaikan Finance’s Financial Note for the 2025 State Budget (APBN),
oleh Kementerian Keuangan dalam Nota Keuangan is relatively unstable. Global economic growth in 2024 was
Anggaran Pendapatan dan Belanja Negara (APBN) 2025, expected to be 3.2%, down slightly from 3.3% in 2023.
relatif belum stabil. Pertumbuhan ekonomi global pada Meanwhile, global economic growth is expected to rise to
tahun 2024 diperkirakan mencapai 3,2%, sedikit menurun 3.3% in 2025, in line with the central bank’s reduction in
dibandingkan dengan 3,3% pada 2023. Sementara itu, the benchmark interest rate, which was prompted by falling
pertumbuhan ekonomi global diperkirakan akan meningkat inflation toward the target. Nonetheless, this figure falls short
menjadi 3,3% pada 2025, seiring dengan penurunan suku of the 3.7% average global economic growth seen over the
bunga acuan oleh bank sentral yang dipicu oleh turunnya last decade.
inflasi menuju target. Namun, angka ini masih belum dapat
mencapai rata-rata pertumbuhan ekonomi global dalam 10
tahun terakhir yang sebesar 3,7%.
Meski demikian, perekonomian Indonesia masih
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2024 PT. Bank Sinarmas Tbk.
Page 38
388,33
Laba bersih Bank pada tahun 2024 tumbuh 388,33%
%
dibandingkan tahun 2023.
The Bank’s net profit in 2024 grew by 388.33%
compared to 2023.
36
Ikhtisar Kinerja
2024 menunjukkan ketahanan yang baik, meskipun ada sedikit However, the Indonesian economy remains resilient, despite
pelambatan dalam laju pertumbuhannya. Badan Pusat a slight slowdown in growth rates. The Central Bureau of
LAPORAN Statistik (BPS) mencatatkan pertumbuhan ekonomi Indonesia Statistics (BPS) estimated Indonesia’s economic growth in
MANAJEMEN pada 2024 sebesar 5,03%, sedikit melambat dibandingkan 2024 at 5.03%, slightly lower than the previous year’s figure
dengan 5,05% pada tahun sebelumnya. of 5.05%.
Profil
Perusahaan
Dari sisi pengeluaran, konsumsi rumah tangga tetap menjadi In terms of expenditure, household consumption continues
kontributor terbesar terhadap Produk Domestik Bruto (PDB) to be the largest contributor to Indonesia’s GDP, accounting
Analisis dan
Pembahasan Indonesia, dengan kontribusi mencapai 54,04%. Komponen for 54.04%. This GDP component increased by 4.98%,
Manajemen PDB ini tumbuh 4,98%, sedikit lebih tinggi dibandingkan slightly higher than the previous period’s 4.91%.
dengan periode sebelumnya yang tercatat 4,91%.
Tinjauan
Pendukung
Bisnis
Dari sisi lapangan usaha, sektor industri pengolahan masih From a business perspective, the manufacturing sector
menjadi kontributor utama, menyumbang 19,13% terhadap remains the largest contributor, accounting for 19.13% of GDP.
Tata Kelola PDB. Kinerja sektor ini tumbuh 4,9% pada tahun 2024. This sector’s performance increased by 4.9% in 2024.
Perusahaan
Sementara itu, sektor industri perbankan menunjukkan Meanwhile, the banking industry sector demonstrated strong
Laporan daya tahan yang baik. Berdasarkan data Bank Indonesia resilience. According to Bank Indonesia data from December
Keberlanjutan pada Desember 2024, kinerja intermediasi perbankan 2024, banking intermediation performance remained strong,
tetap kuat, tercermin dari pertumbuhan kredit bank umum as evidenced by the growth of commercial bank credit in
pada Kuartal IV yang mencapai 10,39% (year on year/yoy), Q4, which reached 10.39% (year on year/yoy), albeit slightly
meskipun sedikit melambat dari periode sebelumnya yang slower than the previous period, which was recorded at
tercatat 10,85% (yoy). Pertumbuhan kredit ini dipengaruhi 10.85% (yoy). This credit growth was influenced by increased
oleh meningkatnya permintaan dari segmen korporasi yang corporate demand, which was driven by strong sales and
didorong oleh penjualan yang baik dan kemampuan bayar repayment capacity. Credit risk is also expected to improve,
yang kuat. Risiko kredit juga terpantau membaik, dengan with the gross non-performing loan (NPL) ratio falling to 2.19%
Bank melakukan inovasi serta mengembangkan
digital banking secara berkesinambungan, yang
berfokus pada customer experience centricity.
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PT. Bank Sinarmas Tbk. 2024
Page 39
Bank continuously innovates and
develops digital banking, focusing on
customer experience centricity.
rasio kredit bermasalah (Non Performing Loan/NPL) gross from 2.25% at the start of the year, while the net NPL remains
menurun menjadi 2,19%, dari sebelumnya 2,25% pada awal stable at 0.77%.
tahun, dan NPL net stabil pada angka 0,77%.
Di sisi lain, Dana Pihak Ketiga (DPK) perbankan tercatat tumbuh
3,7% (yoy), meskipun sedikit lebih rendah dibandingkan On the other hand, Banking Third Party Funds (TPF) increased
dengan pertumbuhan sebelumnya yang mencapai 5,8%.
Likuiditas perbankan tetap terjaga dengan baik, didukung
by 3.7% (yoy), slightly lower than the previous growth rate of
5.8%. Bank Indonesia’s policies have contributed to keeping
37
oleh kebijakan Bank Indonesia. Pada Desember 2024, banking liquidity stable. In December 2024, the banking AL/
2024
rasio AL/DPK dan LDR perbankan masing-masing tercatat TPF and LDR ratios were 25.59% and 88.57%, indicating Performance
sebesar 25,59% dan 88,57%, yang menunjukkan likuiditas relatively loose liquidity and supporting the banking sector’s Highlights
yang cukup longgar dan turut mendukung stabilitas sektor stability.
perbankan. MANAGEMENT
REPORT
KINERJA BANK TAHUN 2024 BANK PERFORMANCE IN 2024
Company
Tantangan/Kendala yang Dihadapi Challenges/Obstacles Faced Profile
Di sepanjang tahun 2024 Bank Sinarmas menghadapi Throughout 2024, Bank Sinarmas encountered numerous
berbagai tantangan yang tidak dapat dihindari, diantaranya challenges, including high deposit interest rates, as domestic
Management
tantangan tingkat suku bunga simpanan yang tinggi sejalan credit growth outpaced deposit growth. In facing this Discussion and
dengan pertumbuhan kredit nasional yang lebih cepat dari condition, Bank Sinarmas maintained the stability of deposit Analysis
pertumbuhan simpanan. Menghadapi kondisi tersebut, funds by managing the cost of funds and accelerating the
Bank Sinarmas menjaga kestabilan dana simpanan dengan growth of priority customer services. Business
mengelola cost of fund dan mengakselerasi pertumbuhan Support
layanan nasabah prioritas. Overview
Bank Sinarmas juga menghadapi tantangan pada kredit Bank Sinarmas also had to contend with challenges in credit Corporate
dan pembiayaan, dimana kombinasi dari penurunan daya and financing, where the combination of declining public Governance
beli masyarakat yang berdampak pada menurunnya purchasing power, which had an impact on declining motor
penyaluran kredit kendaraan bermotor serta pelunasan- vehicle credit distribution, and accelerated repayments of Sustainability
pelunasan dipercepat dari kredit korporasi berimplikasi corporate credit had implications for a 15% reduction in the Report
pada penyusutan portofolio kredit dan pembiayaan sebesar credit and financing portfolio. The Bank continued to funnel
15%. Penyaluran kredit dan pembiayaan dengan tetap credit and financing with a priority placed on the principle
mengedepankan prinsip kehati-hatian terus dilakukan, of prudence but paired the loan disbursement with placing
namun untuk mengurangi tekanan pada pendapatan maka available funds in securities to reduce pressure on income.
dana yang tersedia ditempatkan pada surat-surat berharga.
Di sisi lain, pesatnya transformasi digital menjadi pisau On the other hand, the rapid digital transformation was a
bermata dua yang menciptakan peluang sekaligus double-edged sword that created both opportunities and
tantangan. Inovasi layanan dan cyber security menjadi dua challenges. Service innovation and cyber security were
hal yang secara berkesinambungan dilakukan oleh Bank two things that Bank Sinarmas continuously did to improve
Sinarmas agar kenyamanan dan keamanan nasabah dalam customer convenience and security in transactions.
bertransaksi dapat terus ditingkatkan.
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2024 PT. Bank Sinarmas Tbk.
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Strategi dan Kebijakan Strategis Strategic Strategy and Policy
Strategi dan kebijakan strategis yang diterapkan pada tahun The strategic strategy and policy implemented in 2024 were
2024 merupakan langkah-langkah yang diambil untuk steps taken to overcome the challenges faced and help
mengatasi tantangan yang dihadapi serta untuk mendukung achieve the Bank’s business plan. The policies implemented
tercapainya rencana bisnis Bank. Kebijakan-kebijakan yang have brought Bank Sinarmas to positive results. The
diterapkan telah membawa Bank Sinarmas pada hasil yang strategies and policies taken included:
positif. Strategi dan kebijakan yang diambil antara lain:
Penghimpunan Dana Pihak Ketiga Third-Party Fund Collection
Bank mengakselerasi layanan nasabah prioritas yang The Bank is accelerating priority customer services, which
pertama kali diluncurkan pada bulan Desember 2023 untuk were first launched in December 2023 to maintain stability
menjaga kestabilan dan meningkatkan penghimpunan dana and increase third-party fund collection. Priority customer
pihak ketiga. Layanan nasabah prioritas yang memberikan services that provide higher interest rates and other benefits
tingkat suku bunga lebih tinggi dan keuntungan-keuntungan are considered appropriate in responding to the high
lainnya dinilai tepat dalam menyikapi persaingan tingkat interest rate competition that occurred throughout 2024.
38 suku bunga tinggi yang terjadi di sepanjang tahun 2024.
Beberapa strategi yang dilakukan antara lain meningkatkan
Several strategies implemented include increasing activities
and special promotions for priority segments by holding
Ikhtisar Kinerja
aktivitas dan promosi khusus segmentasi prioritas dengan various activities and implementing a tier-based approach
2024 mengadakan berbagai kegiatan, melakukan tier-based by focusing on existing customers who have assets under
approach dengan memfokuskan nasabah-nasabah existing management (AUM) <IDR500 million so that they can
LAPORAN yang mempunyai asset under management (AUM) <IDR500 increase the average product ratio/customer and increase
MANAJEMEN juta sehingga dapat meningkatkan average product ratio/ AUM. In addition, the Bank also manages the cost of funds by
nasabah dan meningkatkan AUM. Di samping itu, Bank juga providing special rates on a case-by-case basis.
Profil mengelola cost of fund dengan memberikan rate khusus
Perusahaan
secara case by case.
Analisis dan
Pembahasan Penyaluran Dana Fund Distribution
Manajemen Penyaluran dana dalam bentuk kredit dan pembiayaan Fund distribution in the form of credit and financing continued;
terus dilakukan, namun demikian karena pencairan baru however, since new disbursements were not able to cover
Tinjauan belum dapat menutupi pelunasan maka Bank menempatkan repayment, the Bank placed available funds in securities as
Pendukung
Bisnis
dana yang tersedia pada surat berharga, sebagai alternatif an alternative source of income outside of credit. Increasing
sumber pendapatan di luar kredit. Peningkatan Pendapatan Operating Income Outside of Interest The Bank continues to
Tata Kelola Operasional Diluar Bunga Bank senantiasa mengoptimalkan optimize operating income outside of interest to help grow
Perusahaan pendapatan operasional diluar bunga untuk membantu operating income. This was thanks to the continued effort
pertumbuhan pendapatan operasional. Hal ini dimungkinkan to establish agencies and collaborate with third parties to
Laporan dengan terus menjalin keagenan dan berkolaborasi dengan develop payment systems and add features to electronic
Keberlanjutan pihak ketiga untuk pengembangan sistem pembayaran serta banking services.
menambah fitur-fitur pada layanan electronic banking.
Pengembangan Digital Banking Digital Banking Development
Pesatnya transformasi digital mendorong Bank The rapid digital transformation encourages Bank Sinarmas
Sinarmas untuk terus memperkuat cyber security untuk to continue to strengthen cyber security to ensure customer
memastikan keamanan nasabah dalam bertransaksi. security in transactions. On an ongoing basis, the Bank
Secara berkesinambungan, Bank melakukan inovasi serta innovates and develops digital banking that focuses on
mengembangkan digital banking yang berfokus pada customer experience (customer experience centricity) so it
pengalaman nasabah (customer experience centricity) can develop products, services, and features according to
sehingga dapat mengembangkan produk, layanan, dan fitur customer preferences and needs.
sesuai dengan preferensi dan kebutuhan nasabah.
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Peran Direksi dalam Perumusan Strategi The Role of the Board of Directors in
dan Kebijakan Strategis serta Proses untuk Formulating Strategic Strategies and
Memastikan Implementasinya Policies and the Process to Ensure Their
Implementation
Direksi berperan penting dalam perumusan strategi dan The Board of Directors plays an important role in formulating
kebijakan yang dituangkan pada rencana bisnis Bank strategies and policies outlined in Bank Sinarmas’ business
Sinarmas. Dokumen tersebut berisi tentang rencana plan. The document contains the Bank’s short-term (one
kegiatan usaha Bank jangka pendek (satu tahun) dan jangka year) and medium-term (three years) business activity plans,
menengah (tiga tahun), termasuk rencana meningkatkan including a scheme to improve business performance and
kinerja usaha serta strategi untuk merealisasikannya. how to realize it.
Direksi bertanggung jawab untuk mengidentifikasi potensi, The Board of Directors is responsible for identifying potential
risiko, dan peluang bisnis, serta merumuskan langkah- risks and business opportunities, as well as formulating
langkah strategis yang tepat, sesuai dengan peran dan appropriate strategic measures, in accordance with their
posisinya masing-masing. Proses ini menunjukkan bahwa respective roles and positions. This process demonstrates
Direksi terlibat langsung bersama organisasi di bawahnya,
dalam menyusun strategi dan kebijakan strategis Bank yang
that the Board of Directors is directly engaged with the
organizations below it in formulating the Bank’s strategies and
39
akan dijalankan pada tahun buku. strategic policies that will be implemented in the fiscal year.
2024
Performance
Dalam menjalankan strategi dan kebijakan strategis yang In implementing the established strategic strategies and Highlights
telah ditetapkan, Direksi secara aktif bekerja sama dengan policies, the Board of Directors actively collaborates with
manajemen dan komite pendukung untuk memastikan bahwa management and supporting committees to ensure that all MANAGEMENT
semua departemen telah memahami dan melaksanakan departments understand and implement the Bank’s strategy REPORT
strategi Bank dengan baik. Keterlibatan aktif seluruh jenjang properly. The active involvement of all levels of the Bank’s
organisasi yang ada pada Bank dalam mencapai rencana organization in achieving the established work plan is Company
kerja yang telah ditetapkan tercermin pada key performance reflected in clear and measurable key performance indicators Profile
indicator (KPI) yang jelas dan terukur. Melalui rapat rutin, (KPIs). Through regular meetings, the Board of Directors and
Direksi beserta manajemen senior mengevaluasi penerapan senior management evaluate the implementation of policies
Management
kebijakan dan pencapaian kinerja, serta menyelaraskan and performance achievements and align existing strategies Discussion and
strategi-strategi yang ada dengan peluang dan tantangan with the opportunities and challenges faced. Analysis
yang dihadapi.
Business
Pencapaian Kinerja dan Realisasi Target Performance Achievement and Target Support
Realization Overview
Sepanjang tahun 2024, Bank Sinarmas membukukan kinerja Throughout 2024, Bank Sinarmas posted solid business
usaha yang solid, walaupun di tengah situasi eksternal yang performance, even amidst the external situation that was still Corporate
masih penuh tantangan. Pendapatan bersih Bank pada full of challenges. The Bank’s net income in the financial year Governance
tahun buku mencapai Rp370 miliar, lebih tinggi 388,33% reached IDR370 billion, 388.33% higher than in 2023. It was
dari tahun 2023. Sedangkan dibandingkan target yang telah a 126.01% achievement of its stated target. Sustainability
ditetapkan, pencapaian tersebut adalah 126,01%. Report
Pendapatan operasional tercatat sebesar Rp3.575 miliar, Operating income was recorded at IDR3,575 billion, 0.73%
lebih tinggi 0,73% dibandingkan tahun sebelumnya. Hasil higher than the previous year. This result was equivalent to
tersebut setara dengan 98,63% dari target. 98.63% of the target.
Dari sisi intermediasi, Bank telah menyalurkan kredit senilai From the intermediation side, the Bank distributed credit
Rp14.648 miliar, lebih rendah 15,11% dibandingkan tahun of Rp14,648 billion, 15.11% lower than the previous year or
sebelumnya atau 89,66% dari target. Tingkat kualitas kredit 89.66% of the target. The level of credit quality indicated by
yang ditunjukkan melalui rasio kredit bermasalah atau Non the ratio of non-performing loans (NPL) remained below the
Performing Loan (NPL) tetap terjaga dibawah ketentuan regulatory provisions.
regulator.
Untuk penghimpunan Dana Pihak Ketiga (DPK), nilainya For the collection of Third Party Funds (DPK), the value
mencapai Rp44.820, lebih tinggi 6,34% dibandingkan tahun reached Rp44,820, 6.34% higher than the previous year. It
sebelumnya. Dibandingkan target, pencapaiannya adalah was 94.34% of its stated target.
94,34%.
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Meningkatnya laba bersih Bank mendukung meningkatnya The increase in the Bank’s net profit supported the increase
rasio-rasio utama, seperti rasio ROA, ROE yang mengalami in key ratios, such as the ROA and ROE ratios, which
peningkatan menjadi 0,82% dan 4,74% dari 0,15% dan 1,07%, increased to 0.82% and 4.74% from 0.15% and 1.07%, and
serta rasio BOPO mengalami perbaikan menjadi 90,78% dari the BOPO ratio, which improved to 90.78% from 103.36%.
103,36%. Apabila dibandingkan dengan target, rasio-rasio When compared to the target, the Bank’s ratios were above
Bank berada diatas target yang ditetapkan, pencapaiannya their stated targets, with the achievements for the ROA,
untuk rasio ROA, ROE dan BOPO masing-masing sebesar ROE, and BOPO ratios being 121.07%, 125.75%, and 98.63%,
121,07%, 125,75% dan 98,63%. respectively.
Komitmen terhadap UMKM Commitment to MSMEs
Bank Sinarmas memiliki komitmen yang kuat untuk Bank Sinarmas has a strong commitment to supporting
mendukung pengembangan Usaha Mikro, Kecil, dan the development of Micro, Small, and Medium Enterprises
Menengah (UMKM) sebagai bagian dari kontribusinya (MSMEs) as part of its contribution to the Indonesian economy.
terhadap perekonomian Indonesia. Komitmen ini tercermin This commitment is reflected in the various programs and
dalam berbagai program dan kebijakan yang mereka policies they implement, particularly in the disbursement of
40 jalankan, terutama dalam penyaluran kredit yang dapat
membantu UMKM berkembang dan memperkuat daya saing
credit that can help MSMEs develop and strengthen their
competitiveness in the market.
Ikhtisar Kinerja
mereka di pasar.
2024
Strategi Penyaluran Dana kepada UMKM Fund Disbursement Strategy to MSMEs
LAPORAN Strategi Bank Sinarmas dalam penyaluran dana kepada UMKM Bank Sinarmas’ strategy for disbursing funds to MSMEs is
MANAJEMEN didasarkan pada pemahaman bahwa UMKM memerlukan based on the notion that MSMEs require easy, quick access to
akses permodalan yang mudah, cepat, dan dengan bunga capital at competitive interest rates. Bank Sinarmas employs
Profil yang kompetitif. Bank Sinarmas mengimplementasikan several primary strategies to accomplish this, including:
Perusahaan
beberapa strategi utama untuk mencapai hal ini, antara lain:
1. Penyederhanaan Proses Aplikasi Kredit: Bank Sinarmas 1. Simplifying the Credit Application Process: Bank
Analisis dan
Pembahasan menyederhanakan proses pengajuan kredit bagi UMKM, Sinarmas simplifies the credit application process for
Manajemen dengan memberikan kemudahan akses baik melalui MSMEs, by providing easy access both through physical
cabang fisik maupun platform digital. Proses yang branches and digital platforms. The fast and transparent
Tinjauan cepat dan transparan memungkinkan UMKM untuk process allows MSMEs to obtain the funds they need in
Pendukung
Bisnis
memperoleh dana yang dibutuhkan dalam waktu singkat. a short time.
2. Penawaran Produk Pembiayaan yang Beragam: Bank 2. Offering a Variety of Financing Products: Bank
Tata Kelola Sinarmas menawarkan berbagai produk pembiayaan, Sinarmas offers a variety of financing products, such as
Perusahaan seperti Kredit Usaha Rakyat (KUR), pinjaman modal kerja, People’s Business Credit (KUR), working capital loans,
dan pinjaman investasi, yang dapat disesuaikan dengan and investment loans, which can be tailored to the needs
Laporan kebutuhan masing-masing sektor UMKM. of each MSME sector.
Keberlanjutan 3. Pelatihan: Selain pemberian kredit, Bank Sinarmas juga 3. Training: In addition to providing credit, Bank Sinarmas
memberikan pelatihan dan pendampingan untuk UMKM also provides training and mentoring for MSMEs so that
agar mereka bisa mengelola bisnis mereka dengan they can manage their businesses better, improve their
lebih baik, meningkatkan kemampuan manajerial dan managerial and marketing skills.
pemasarannya.
Kinerja Penyaluran Kredit terhadap UMKM Credit Disbursement Performance to MSMEs
Bank Sinarmas secara konsisten menunjukkan kinerja yang Bank Sinarmas has consistently performed well in credit
baik dalam penyaluran kredit kepada UMKM. Penyaluran disbursement to MSMEs. The Bank’s commitment to
kredit yang semakin meningkat setiap tahunnya menjadi supporting the MSME sector is evident in its increasing credit
bukti nyata komitmen bank dalam mendukung sektor UMKM. distribution year after year. Credit disbursement to MSME
Penyaluran kredit ke pelaku UMKM hingga akhir tahun 2024 actors is expected to reach Rp7.8 trillion by the end of 2024,
mencapai kurang lebih Rp. 7,8 T dan menyalurkannya kepada with thousands of MSMEs in various sectors, including trade,
ribuan UMKM di berbagai sektor, seperti perdagangan, processing, and services. Excellent programs like KUR, as
pengolahan, jasa dan lainnya . Program-program unggulan well as other financing products, have helped many small
seperti KUR, serta produk pembiayaan lainnya, telah and micro businesses grow. Furthermore, Bank Sinarmas is
membantu banyak usaha kecil dan mikro untuk berkembang actively seeking partnerships with government institutions
lebih baik. Selain itu, Bank Sinarmas juga aktif dalam and MSME associations to broaden the sector’s support
menjalin kemitraan dengan lembaga-lembaga pemerintah network.
dan asosiasi UMKM untuk memperluas jaringan dukungan
bagi sektor ini.
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Dengan terus berfokus pada inovasi dan peningkatan pelayanan, By continuing to focus on innovation and service
Bank Sinarmas berharap dapat memperkuat kontribusinya improvement, Bank Sinarmas hopes to strengthen its
terhadap sektor UMKM dan mendukung penciptaan lapangan contribution to the MSME sector and support job creation
kerja serta pemberdayaan ekonomi lokal di Indonesia. and local economic empowerment in Indonesia.
Prospek Usaha Tahun 2025 2025 Business Prospect
Pada tahun 2025, pertumbuhan ekonomi Indonesia diperkirakan In 2025, Indonesia’s economic growth is estimated to grow
tumbuh moderat di kisaran 4,7–5,1%, sedikit direvisi turun oleh moderately in the range of 4.7–5.1%, slightly revised down by
Bank Indonesia (BI) dari proyeksi sebelumnya karena lemahnya Bank Indonesia (BI) from its previous projection, as exports,
ekspor, konsumsi rumah tangga, dan investasi swasta. BI juga household consumption, and private investment are likely to
menurunkan suku bunga acuan sebesar 25 bps menjadi 5,75% grow weaker. BI also lowered its benchmark interest rate by
pada Januari 2025 untuk mendorong pertumbuhan, yang 25 bps to 5.75% in January 2025 to boost growth but may
diperkirakan akan dipertahankan sementara waktu demi menjaga pause it there for a while to maintain rupiah stability. On the
stabilitas rupiah yang tertekan. Di sisi global, pertumbuhan global side, world economic growth is projected to stagnate
ekonomi dunia diproyeksikan stagnan pada kisaran 3,3% at around 3.3% according to the IMF and 2.7% according to the
menurut IMF dan 2,7% menurut Bank Dunia, mencerminkan
masih adanya tekanan dari ketidakpastian geopolitik, inflasi
World Bank, reflecting persistent pressure from geopolitical
uncertainty, inflation that has not fully subsided, and the
41
yang belum sepenuhnya reda, serta arah kebijakan suku bunga direction of interest rate policies in developed countries.
2024
di negara-negara maju. Meskipun konsumsi masyarakat dan Although public consumption and public investment are Performance
investasi publik menjadi faktor pendukung di dalam negeri, supporting factors domestically, external challenges such as Highlights
tantangan eksternal seperti melemahnya permintaan global, weakening global demand, uncertainty in international trade,
ketidakpastian perdagangan internasional, dan tekanan nilai and exchange rate pressures continue to overshadow the MANAGEMENT
tukar tetap membayangi prospek ekonomi nasional. national economic outlook. REPORT
Sektor perbankan Indonesia menunjukkan ketahanan yang Indonesia’s banking sector showed solid resilience entering Company
solid memasuki awal 2025, dengan kinerja intermediasi early 2025, with intermediation performance remaining Profile
yang tetap kuat meskipun mengalami sedikit perlambatan. strong despite experiencing a slight slowdown. Banking
Likuiditas perbankan juga tetap memadai, dengan rasio liquidity also remains adequate, with the ratio of liquid assets
Management
alat likuid terhadap dana pihak ketiga (AL/DPK) tercatat to third-party funds (AL/TPF) recorded at 26.03% in January Discussion and
sebesar 26,03% pada Januari 2025, meningkat dari 25,59% 2025, up from 25.59% in December 2024. Bank Indonesia Analysis
pada Desember 2024. Bank Indonesia memproyeksikan projects credit growth in 2025 to be in the range of 11–13%, in
pertumbuhan kredit pada 2025 berada dalam kisaran 11–13%, line with the prospect of economic growth that remains good Business
sejalan dengan prospek pertumbuhan ekonomi yang tetap and supported by macroprudential policies. With such a Support
baik dan dukungan kebijakan makroprudensial. Dengan likely projection, the banking sector is expected to continue Overview
kondisi ini, sektor perbankan diharapkan terus berkontribusi to contribute positively to the national economy.
positif terhadap perekonomian nasional. Corporate
Governance
Memasuki tahun 2025, Bank Sinarmas meyakini dana pihak ketiga Bank Sinarmas believes that as it enters 2025, third-party
dan kredit akan bertumbuh dari tahun 2024. Penghimpunan funds and credit will grow from 2024. The collection of third- Sustainability
dana pihak ketiga tetap diarahkan pada peningkatan giro dan party funds remains directed at increasing current accounts Report
tabungan melalui produk dan layanan yang sudah berjalan and savings through existing products and services as well
maupun pengembangan atas produk-produk yang telah ada. as the development of existing products. The collection of
Penghimpunan dana melalui layanan nasabah prioritas juga funds through priority customer services will also continue,
akan berlanjut, dengan pembukaan kantor-kantor khusus with the opening of special offices for Bank Sinarmas
untuk Bank Sinarmas Prioritas. Terkait kredit, penyaluran kredit Prioritas. Credit distribution will be carried out by utilizing and
akan dilakukan dengan memanfaatkan serta mengembangkan developing the existing ecosystem and expanding credit
ekosistem yang ada, di samping memperluas penyaluran kredit distribution through cooperation schemes with third parties.
melalui skema kerjasama dengan pihak ketiga.
Selain itu, Bank juga senantiasa melengkapi fitur Mobile The Bank will go even further by adding more features to its
Banking Bank Sinarmas untuk melakukan cross selling Mobile Banking, cross-selling Bank products, and facilitating
produk Bank dan kemudahan transaksi bagi nasabah serta transactions for customers. It will also increase marketing or
meningkatkan pemasaran atau promosi produk dan layanan promotion of products and services through various media
melalui beragam media untuk meningkatkan awareness to increase customer awareness of Bank Sinarmas’ services
nasabah mengenai layanan dan fasilitas dari Bank Sinarmas. and facilities.
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2024 PT. Bank Sinarmas Tbk.
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IMPLEMENTASI TATA KELOLA IMPLEMENTATION OF CORPORATE
PERUSAHAAN GOVERNANCE
Bank Sinarmas menyadari pentingnya penerapan prinsip tata Bank Sinarmas recognizes the importance of implementing
kelola perusahaan yang baik (Good Corporate Governance/ good corporate governance (GCG) principles to support
GCG) dalam mendukung keberlangsungan usaha Bank. the Bank’s business sustainability. As a result, the Bank
Karena itu, Bank memastikan bahwa prinsip GCG selalu ensures that the GCG principles are consistently applied to
diimplementasikan pada seluruh kegiatan usaha yang all business activities.
dijalankan.
Dalam penerapan GCG, Bank senantiasa berlandaskan pada In implementing GCG, the Bank always bases itself on 5 (five)
5 (lima) prinsip dasar Tata Kelola yang baik, yaitu: basic principles of good governance, namely:
• Keterbukaan (transparency) • Transparency
Keterbukaan dalam proses pengambilan keputusan, Openness in the decision-making process, disclosure
pengungkapan dan penyediaan informasi yang relevan and provision of relevant information that is easily
serta mudah diakses oleh Pemangku Kepentingan. accessible to Stakeholders.
42 • Akuntabilitas (accountability)
Kejelasan fungsi dan pelaksanaan pertanggungjawaban.
• Accountability
Clarity of functions and implementation of accountability.
Ikhtisar Kinerja
• Pertanggungjawaban (responsibility) • Responsibility
2024 Kesesuaian pengelolaan dengan ketentuan peraturan Compliance of management with provisions of laws
perundang - undangan dan nilai etika serta standar, and regulations and ethical values as well as standards,
LAPORAN prinsip, dan praktik. principles, and practices.
MANAJEMEN • Independensi (independency) • Independency
Keadaan yang dikelola secara mandiri dan profesional A state of being managed independently and professionally
Profil serta bebas dari benturan kepentingan dan pengaruh and free from conflicts of interest and influence or
Perusahaan
atau tekanan dari pihak manapun yang tidak sesuai pressure from any party that is not in accordance with the
dengan ketentuan peraturan perundang-undangan dan provisions of laws and regulations and ethical values and
Analisis dan
Pembahasan nilai etika serta standar, prinsip, dan praktik. standards, principles, and practices.
Manajemen • Kewajaran (fairness) • Fairness
Kesetaraan, keseimbangan, dan keadilan dalam Equality, balance, and justice in fulfilling the rights of
Tinjauan memenuhi hak Pemangku Kepentingan yang timbul Stakeholders arising from agreements, provisions of
Pendukung
Bisnis
berdasarkan perjanjian, ketentuan peraturan perundang- laws and regulations, and ethical values and
standards,
undangan, dan nilai etika serta standar, prinsip, dan principles, and practices.
Tata Kelola praktik.
Perusahaan
Sebagai upaya untuk meningkatkan kualitas penerapan In order to continuously improve the quality of GCG
Laporan GCG secara terus-menerus, Bank senantiasa melakukan implementation, the Bank regularly reviews and adjusts its
Keberlanjutan review dan penyesuaian terhadap kebijakan tata kelola governance policies in response to developments. Thus,
sesuai dengan perkembangan yang terjadi. Dengan the Bank not only demonstrates its commitment to GCG
demikian, Bank tidak hanya menunjukkan komitmen practices but also confirms its determination to continuously
terhadap praktik GCG, tetapi juga menegaskan tekad untuk improve and enhance corporate governance standards.
terus memperbaiki dan meningkatkan standar tata kelola
perusahaan.
Pada tahun 2024, Bank telah melakukan penilaian terhadap In 2024, the Bank assessed the effectiveness of its GCG
kinerja penerapan GCG yang dijalankan. Melalui penilaian implementation. The self-assessment resulted in a rating of
mandiri (self assesment), hasilnya adalah “Baik”. “Good.”
Penerapan GCG Bank memiliki sejumlah tujuan, yang tidak The Bank’s GCG implementation has a number of objectives,
hanya dalam rangka meningkatkan kinerja Bank. Lebih including not only improving the Bank’s performance but
dari itu, untuk melindungi kepentingan para pemangku also protecting stakeholders’ interests while improving
kepentingan, sekaligus meningkatkan kepatuhan terhadap compliance with general banking laws, regulations, and
peraturan perundang-undangan serta nilai-nilai etika codes of conduct.
(code of conduct) yang berlaku secara umum pada industri
perbankan.
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PENERAPAN ASPEK KEBERLANJUTAN IMPLEMENTATION OF SUSTAINABILITY
ASPECTS
Bank Sinarmas berkomitmen untuk mendukung penerapan Bank Sinarmas is committed to supporting the implementation
keuangan berkelanjutan dengan menyeimbangkan 3 (tiga) of sustainable finance by balancing the 3 (three) pillars of
pilar keberlanjutan, yakni ekonomi, sosial, dan lingkungan. sustainability: economic, social, and environmental. As a
Sebagai wujud dari komitmen tersebut, Bank Sinarmas terus demonstration of this commitment, Bank Sinarmas continues
mengembangkan bisnis dengan tetap mengedepankan to grow its business while prioritizing the social aspect,
aspek sosial, yaitu menyalurkan kredit kepada Usaha Mikro, specifically by extending credit to Micro, Small, and Medium
Kecil, dan Menengah (UMKM) termasuk dukungan kepada Enterprises (MSMEs) and providing support for government
program pemerintah dalam bentuk penyaluran Kredit Usaha programs through the distribution of People’s Business
Rakyat (KUR). Credit (KUR).
Untuk aspek lingkungan, Bank terus berupaya meningkatkan In terms of the environment, the Bank continues to attempt
penyaluran kredit kepemilikan Kendaraan Bermotor Listrik to increase credit disbursement for the purchase of electric
Berbasis Baterai (Electric Vehicle) melalui kerjasama vehicles through credit distribution cooperation with Bank
penyaluran kredit dengan Mitra Bank. Selain itu, Bank
melakukan pembelian Surat Berharga Pemerintah Seri
Partners. In addition, the Bank purchased Government
Securities Series FRSDG001, a series of Sustainable
43
FRSDG001 yang merupakan seri Sustainable Development Development Goals (SDG) Bonds, at the end of 2024.
2024
Goals (SDGs) Bond pada akhir tahun 2024. Performance
Highlights
Bank Sinarmas juga percaya bahwa aspek keberlanjutan Bank Sinarmas also believes that quality Human Resources
akan berjalan dengan maksimal apabila didukung oleh (HR) will assist in making the sustainability aspect function MANAGEMENT
Sumber Daya Manusia (SDM) yang berkualitas. Bank telah optimally. The Bank has and will continue to improve and REPORT
dan akan terus melakukan Peningkatan dan Pengelolaan manage internal HR through various relevant training
SDM internal melalui berbagai pelatihan yang relevan. programs. Company
Profile
Bank Sinarmas juga berpartisipasi aktif dalam menjalankan Bank Sinarmas is also actively involved in implementing the
peta jalan Keuangan Berkelanjutan regulator, seperti regulator’s Sustainable Finance roadmap, such as mapping
Management
melakukan pemetaan debitur berdasarkan Taksonomi debtors using the Indonesian Sustainable Finance Taxonomy Discussion and
Keuangan Berkelanjutan Indonesia (TKBI) yang merupakan (TKBI), an update to the Indonesian Green Taxonomy (THI). Analysis
pembaruan dari Taksonomi Hijau Indonesia (THI).
Business
PERUBAHAN KOMPOSISI DIREKSI DAN CHANGES IN THE BOARD OF DIRECTORS’ Support
ALASAN TERJADINYA PERUBAHAN COMPOSITION AND REASONS FOR THE Overview
CHANGES
Pada tahun 2024 telah terjadi perubahan komposisi In 2024, there was a change in the composition of the Corporate
Direksi. Rapat Umum Pemegang Saham Luar Biasa yang Board of Directors. The Extraordinary General Meeting Governance
diselenggarakan pada 28 Oktober 2024 menyetujui of Shareholders held on October 28, 2024, approved the
pengangkatan Amandalia Johanes sebagai Direktur untuk appointment of Amandalia Johanes as Director for a term of Sustainability
masa jabatan terhitung sejak ditutupnya rapat tersebut office starting from the closing of the meeting until the end of Report
sampai dengan berakhirnya masa jabatan Direksi yang saat the term of office of the current Board of Directors, namely at
ini menjabat, yaitu saat penutupan RUPS Tahunan yang the closing of the Annual GMS held in 2026.
diselenggarakan pada tahun 2026.
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Alasan adanya penambahan anggota Direksi ini dalam The addition of Board of Directors members is intended to
rangka memperkuat susunan anggota Direksi serta strengthen the Board’s composition and is appropriate for
disesuaikan dengan kompleksitas Bank. Dengan demikian, the Bank’s complexity. Thus, the composition of the Board of
komposisi Direksi hingga laporan tahunan ini terbit adalah: Directors until the publication of this annual report is as follows:
Nama Jabatan Name Position
Frenky Tirtowijoyo : Direktur Utama Frenky Tirtowijoyo : President Director
Miko Andidjaja : Direktur Miko Andidjaja : Director
Ekajaya Ongny Putra : Direktur Ekajaya Ongny Putra : Director
Enny Kamal : Direktur Enny Kamal : Director
Sendy : Direktur Sendy : Director
Amandalia Johanes : Direktur Amandalia Johanes : Director
Apresiasi Appreciation
Direksi menyampaikan terima kasih atas kepercayaan The Board of Directors would like to acknowledge the
44 dan arahan yang diberikan oleh Pemegang Saham dalam
mengelola kegiatan usaha Bank Sinarmas pada tahun buku
shareholders for their trust and guidance in managing
Bank Sinarmas’ business activities in the fiscal year 2024.
Ikhtisar Kinerja
2024. Kepada Dewan Komisaris, Direksi juga menyampaikan The Board of Directors also appreciates the Board of
2024 apresiasi yang telah memberikan dukungan konstruktif Commissioners for providing constructive support, which
hingga Bank berhasil mencatatkan kinerja yang positif. enabled the Bank to achieve positive results. Likewise, with
LAPORAN Begitu pun dengan regulator atas bimbingan yang diberikan. the regulator’s guidance.
MANAJEMEN
Direksi juga mengucapkan terima kasih atas dedikasi dan The Board of Directors is also grateful for the dedication and
Profil kerja sama seluruh tim manajemen dan karyawan dalam cooperation of the entire management team and employees
Perusahaan
meraih pencapaian kinerja yang baik untuk tahun buku 2024. in achieving good performance for the 2024 fiscal year.
Analisis dan
Pembahasan Kepada para pemangku kepentingan lain, baik nasabah To other stakeholders, customers, and business partners,
Manajemen maupun mitra kerja serta pihak lainnya, Direksi menyampaikan as well as other parties, the Board of Directors would also
apresiasi yang sebesar-besarnya atas kerja sama yang telah like to extend its greatest appreciation for the established
Tinjauan terjalin. Semoga kerja sama yang telah terjalin akan terus cooperation. We are confident that the cooperation that
Pendukung
Bisnis
berkembang sehingga Bank Sinarmas dapat memberikan has been established will continue to grow, allowing Bank
manfaat lebih besar bagi para pemangku kepentingan. Sinarmas to provide even greater benefits to stakeholders.
Tata Kelola
Perusahaan
Jakarta, 25 April 2025
Laporan Atas Nama Direksi PT. Bank Sinarmas Tbk.
Keberlanjutan
On behalf of the Board of Directors of PT. Bank Sinarmas Tbk.
Frenky Tirtowijoyo
Direktur Utama
President Director
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 47
DIREKSI
Board of Directors
ENNY KAMAL AMANDALIA JOHANES MIKO ANDIDJAJA
Direktur Direktur Direktur
Director Director Director
SENDY FRENKY TIRTOWIJOYO EKAJAYA ONGNY PUTRA
Direktur Direktur Utama Direktur
Director President Director Director
45
2024
Performance
Highlights
MANAGEMENT
REPORT
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
Corporate
Governance
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 48
TANGGUNG JAWAB LAPORAN TAHUNAN DAN KEBERLANJUTAN [OJK G.2]
Annual and Sustainability Report Responsibility
SURAT PERNYATAAN ANGGOTA DEWAN KOMISARIS DAN DIREKSI TENTANG TANGGUNG JAWAB ATAS
LAPORAN TAHUNAN DAN KEBERLANJUTAN 2024 PT. BANK SINARMAS TBK.
Statement of Members of the Board of Commissioners and the Board of Directors on the Responsibility for the
2024 Annual and Sustainability Report of PT. Bank Sinarmas Tbk.
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information in
semua informasi dalam Laporan Tahunan dan Keberlanjutan the Annual and Sustainability Report of PT. Bank Sinarmas Tbk.
PT. Bank Sinarmas Tbk. tahun 2024 telah dimuat secara for the year 2024 has been fully contained and we shall be
lengkap dan bertanggung jawab penuh atas kebenaran isi fully responsible for the correctness of the contents in the
Laporan Tahunan dan Keberlanjutan Bank. Annual and Sustainability Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
46
Jakarta, 25 April 2025
Ikhtisar Kinerja Jakarta, April 25, 2025
2024
DEWAN KOMISARIS
LAPORAN Board of Commissioners
MANAJEMEN
Profil
Perusahaan
Analisis dan TJENDRAWATI WIDJAJA
Pembahasan Komisaris Utama
Manajemen President Commissioner
Tinjauan
Pendukung
Bisnis
SAMMY KRISTAMULJANA RUSMIN
Tata Kelola Komisaris Independen Komisaris Independen
Perusahaan Independent Commissioner Independent Commissioner
Laporan
Keberlanjutan
DIREKSI
Directors
FRENKY TIRTOWIJOYO
Direktur Utama
President Director
MIKO ANDIDJAJA EKAJAYA ONGNY PUTRA ENNY KAMAL
Direktur Direktur Direktur
Director Director Director
SENDY AMANDALIA JOHANES
Direktur Direktur
Director Director
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 49
PROFIL PERUSAHAAN
Company Profile
.03
Page 50
IDENTITAS PERUSAHAAN [OJK C.2][OJK C.3][GRI 2-1][GRI 2-6]
Company Identity
Nama Perusahaan Dasar Hukum Pendirian
Company Name Legal Basis of Establishment
Berdasarkan Akta No. 52 tanggal 18 Agustus 1989 yang dibuat
di hadapan Buniarti Tjandra, SH, Notaris di Jakarta, yang
telah diumumkan dalam Berita Negara Republik Indonesia
tertanggal 21 Oktober 1989 No. 1506/1989.
PT. Bank Sinarmas Tbk. Based on Deed No. 52 dated August 18, 1989, which was
48 made before Buniarti Tjandra S.H., a Notary in Jakarta, and was
announced in State Gazette of the Republic of Indonesia dated
Informasi Perubahan Nama October 21, 1989, No. 1506/1989.
Ikhtisar Kinerja Information on Name Change
2024
• 1989: Didirikan dengan nama PT Bank Shinta Indonesia. Dasar Hukum Perubahan Nama
Legal Basis of Name Change
Laporan • 2006: Pergantian nama menjadi PT. Bank Sinarmas.
Manajemen • 1989: Established under the name PT Bank Shinta
Indonesia. Berdasarkan Akta No. 1 tanggal 21 November 2006 dari
• 2006: Change of name to PT. Bank Sinarmas. Triphosa Lily Ekadewi, S.H., M.Kn notaris di Jakarta.
PROFIL Based on Deed No. 1 dated November 21, 2006, made before
PERUSAHAAN Triphosa Lily Ekadewi, S.H., M.Kn., a notary in Jakarta.
Tanggal Pendirian
Analisis dan Date of Establishment Nama Bursa
Pembahasan Stock Exchange
Manajemen 18 Agustus 1989
August 18, 1989 Bursa Efek Indonesia
Indonesia Stock Exchange
Tinjauan
Pendukung Bidang Usaha
Bisnis Business Field Tanggal Pencatatan Saham
Share Listing Date
Tata Kelola Perbankan
Banking 13 Desember 2010
Perusahaan
December 13, 2010
Laporan Status Bank
Kode Saham
Keberlanjutan Bank Status
Stock Code
Bank Devisa
BSIM
Foreign Exchange Bank
Kode Layanan
Jaringan Kantor Service Code
Office Network
Swift Code : SBJKIDJA
68 Kantor Cabang
Branch Offices 10 Kantor Fungsional
UMK
Telex
I-Telex
: 67171 SHINPS IA
: 867171
SME Functional
192 Kantor Cabang
Pembantu Offices
Sub-Branch Offices Modal Dasar
Authorized Capital
62 Kantor Fungsional
Operasional Rp6.000.000.000.000,-
Operational
Functional Offices
Modal Ditempatkan dan Disetor Penuh
Issued and Fully Paid-Up Capital
Alamat Kantor Pusat Rp1.971.616.240.300,-
Head Office Address
Jumlah Karyawan
Sinar Mas Land Plaza Tower I, Lantai 1 dan 2 | 1st and 2nd Floor
Total Employees
Jl. MH. Thamrin Kav. 51, Jakarta 10350
Telp. | Phone (+62 21) 3199 0101
Fax. | Facsimile (+62 21) 3199 0401
6.387 orang pada tahun buku 2024
people in the 2024 financial year
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 51
Customer Care
Customer Care
1500153
+62 21 501 88888
Media Sosial
Social Media
49
banksinarmas 2024
Performance
@BankSinarmas Highlights
Bank Sinarmas
Management
PT. Bank Sinarmas Tbk. Report
Bank Sinarmas
COMPANY
PROFILE
banksinarmasofficial
+62 8822 1500 153 Management
Discussion
and Analysis
Situs Web dan Email
Website and Email
Business
www.banksinarmas.com Support
Overview
corporate.secretary@banksinarmas.com
care@banksinarmas.com
Corporate
Governance
Komposisi Pemegang Saham
Shareholder Composition Sustainability
Report
PT Sinar Mas Multiartha Tbk 59,99%
PT Shinta Utama 1,71%
Publik | Public 38,30%
38,30% 59,99%
1,71%
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 52
SEKILAS BANK SINARMAS
Bank Sinarmas at a Glance
PT. Bank Sinarmas Tbk. selanjutnya disebut Bank Sinarmas
atau Bank, didirikan pada 18 Agustus 1989 dengan nama PT
Bank Shinta Indonesia sebagai perusahaan yang bergerak
di bidang perbankan. Bank secara bertahap melakukan
pengembangan bisnis dengan memperoleh status sebagai
Bank Persepsi dan Bank Umum Devisa, serta memperkuat
50 posisi keuangan dengan meningkatkan modal disetor
menjadi Rp50 miliar.
Ikhtisar Kinerja
2024 Setelah lebih dari 1 (satu) dekade menjalankan bisnis,
PT. Sinarmas Multiartha Tbk. perusahaan financial services
Laporan yang berada di bawah kelompok usaha Sinarmas, mengambil
Manajemen alih 21% saham PT Bank Shinta Indonesia yang kemudian
disusul dengan perubahan logo dan nama Bank menjadi
PROFIL PT Bank Sinarmas. Perubahan pemegang saham mayoritas
PERUSAHAAN
ini berdampak positif pada perkembangan bisnis. Secara
bertahap, Bank memperluas jangkauan bisnis dengan
Analisis dan
Pembahasan mendirikan beberapa kantor cabang di beberapa kota di
Manajemen Indonesia.
Tinjauan
Pendukung
Bisnis
PT. Bank Sinarmas Tbk. hereinafter referred to as Bank
Sinarmas or the Bank, was established on August 18, 1989,
Tata Kelola under the name PT Bank Shinta Indonesia as a banking
Perusahaan company. In the early stages of its business journey, the Bank
gradually developed its business by obtaining status as a Tax
Laporan Collection Bank and a Foreign Exchange Commercial Bank,
Keberlanjutan as well as strengthening its financial position by increasing its
paid-up capital to Rp50 billion.
After more than a decade in business, PT Sinarmas Multiartha
Tbk, a financial services company under the Sinarmas
business group, acquired 21% of the shares of PT Bank
Shinta Indonesia, which was followed by a change in the
Bank’s logo and name to PT Bank Sinarmas. This change in
majority shareholder had a positive impact on the business
development. Gradually, the Bank expanded its business
reach by establishing several branch offices in various cities
across Indonesia.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 53
Selain itu, Bank kembali melakukan pengembangan bisnis Furthermore, the Bank embarked on business development
dengan memperoleh izin menjalankan Unit Usaha Syariah by obtaining permission to operate a Sharia Business Unit
(UUS), yang selanjutnya disusul dengan aksi korporasi (UUS), followed by a corporate action of an initial public
berupa penawaran saham perdana di Bursa Efek Indonesia offering on the Indonesia Stock Exchange on December 13,
pada 13 Desember 2010. Akan tetapi, dalam rangka 2010. However, to create a stable and competitive national
menciptakan industri perbankan syariah nasional yang Islamic banking industry, the Bank conducted a spin-off of
stabil dan berdaya saing, Bank melakukan spin off atas UUS UUS into a Sharia Business Entity named PT Bank Nano
menjadi Badan Usaha Syariah yang diberi nama PT Bank Syariah. This step was taken by the Bank together with
Nano Syariah. Langkah ini dilakukan Bank bersama-sama companies within the Sinarmas business group, namely PT
dengan perusahaan di dalam kelompok usaha Sinarmas, Sinar Mas Multiartha Tbk and PT Asuransi Sinar Mas.
yakni PT Sinar Mas Multiartha Tbk dan PT Asuransi Sinar Mas.
Di sisi lain, akselerasi penggunaan teknologi informasi telah On the other hand, the Bank continues to pursue acceleration
dan terus dilakukan Bank guna mengikuti perkembangan in the use of information technology in order to keep up with
pasar yang dinamis dan kebutuhan masyarakat yang semakin dynamic market developments and the increasingly complex
kompleks. Bank Sinarmas juga memiliki inisiatif keberlanjutan
dengan menghadirkan program pembiayaan kegiatan usaha
society’s demand. Bank Sinarmas also has sustainability
initiatives by introducing a sustainable business financing
51
berkelanjutan (KKUB), di mana penyalurannya dipetakan program (KKUB), where disbursements are mapped to a
2024
pada portofolio debitur yang terbagi dalam 12 kategori portfolio of debtors divided into 12 categories according to Performance
sesuai Rencana Aksi Keuangan Berkelanjutan (RAKB). the Sustainable Finance Action Plan (SFAP). Highlights
Management
MAKNA LOGO BANK SINARMAS MEANING OF BANK SINARMAS LOGO Report
COMPANY
PROFILE
Management
Discussion
and Analysis
Business
Support
Logo Bank Sinarmas adalah hasil pengembangan identitas The Bank Sinarmas logo is the result of developing the Overview
dari logo Sinar Mas yang menggambarkan kekuatan identity of the Sinar Mas logo, which portrays the strength
karakter perusahaan secara utuh dan jelas. Logo tersebut and character of the Company completely and clearly. The Corporate
terinspirasi dari pancaran sinar matahari yang tak pernah logo is inspired by the radiance of the sun, which never Governance
berhenti bersinar serta memberikan terang kehidupan, stops shining and provides brightness for life, reflecting the
yang merefleksikan komitmen usaha yang dijalankan Sinar commitment of Sinar Mas to its endeavors, both for society Sustainability
Mas, baik untuk masyarakat maupun kelompok usaha and its business groups. Meanwhile, the curves at each corner Report
yang dimiliki. Sementara lengkungan di setiap sudut logo of the logo depict the innovative and adaptive character of
menggambarkan karakter perusahaan yang inovatif dan the Company in keeping up with global developments.
adaptif dalam mengikuti perkembangan dunia.
Dari sisi tipografi, penulisan Bank Sinarmas tanpa huruf In terms of typographical perspective, the writing of Bank
kapital melambangkan kesan ramah dan tidak kaku, Sinarmas without capital letters conveys a friendly and
sehingga mampu merefleksikan karakter perusahaan yang informal impression, avoiding stiffness, thus reflecting the
berorientasi pada pasar dan melihat peluang ke depan. Company’s market-oriented character and forward-looking
Selain itu, perpaduan logo simbol dan huruf Sinar Mas yang attitude. Additionally, the combination of the symbol logo
saling terintegrasi menggambarkan Bank sebagai kelompok and the integrated Sinar Mas letters portrays the Bank as a
usaha yang utuh dan solid. cohesive and solid business group.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 54
JEJAK LANGKAH
Milestones
1989 2006
Pertama kali berdiri dengan nama Bank Shinta Perubahan nama dari PT Bank Shinta Indonesia
Indonesia. menjadi PT Bank Sinarmas
Initial establishment under the name Bank Change of name from PT Bank Shinta Indonesia to
Shinta Indonesia. PT Bank Sinarmas
52
Ikhtisar Kinerja 2005 2009
2024
Mendirikan Unit Usaha Syariah
Laporan • PT Sinar Mas Multiartha Tbk dan PT Shinta Establishing a Sharia Business Unit
Manajemen Utama menjadi Pemegang Saham Mayoritas
Bank; dan
• Perubahan logo Bank.
PROFIL
PERUSAHAAN • PT Sinar Mas Multiartha Tbk and PT Shinta
Utama became the majority shareholders of the 2010
Analisis dan Bank; and
Pembahasan • Change of the Bank’s logo. Menjadi Perusahaan Tercatat di Bursa Efek
Manajemen Become a Listed Company on the Stock Exchange
Tinjauan
Pendukung
Bisnis
Tata Kelola
Perusahaan 2024
Laporan Unit Usaha Syariah Bank Sinarmas efektif menjadi Bank Umum Syariah
Keberlanjutan
(PT Bank Nano Syariah) dan anak usaha Bank Sinarmas
Bank Sinarmas Sharia Business Unit effectively became a Sharia commercial
bank (PT Bank Nano Syariah) and a subsidiary of Bank Sinarmas
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 55
Page 56
VISI DAN MISI [OJK - C.1]
Vision and Missions
VISI Vision
Menjadi Bank terkemuka di Indonesia dengan jaringan
distribusi yang terintegrasi dan layanan yang prima.
54 To become a leading bank in Indonesia with an
Ikhtisar Kinerja
integrated distribution network and excellent service.
2024
Laporan
Manajemen
MISI Mission
PROFIL
PERUSAHAAN
1. Membangun layanan keuangan 1. To create excellent financial
Analisis dan yang prima guna memenuhi services to meet the
Pembahasan kebutuhan finansial masyarakat; community’s financial needs;
Manajemen 2. Meningkatkan kemampuan 2. To improve the capability of
teknologi informasi dan sumber information technology and
Tinjauan daya manusia dalam rangka human resources to provide
Pendukung
Bisnis memberikan layanan melalui the best service through a
payment system yang lengkap; comprehensive payment system;
Tata Kelola dan and
Perusahaan 3. Membudayakan sistem 3. To develop a risk management
manajemen risiko sesuai dengan system in accordance with
Laporan prinsip kehati-hatian dan good prudential and good corporate
Keberlanjutan
corporate government (GCG). governance (GCG) principles.
OBJEKTIF JANGKA PANJANG Long-Term Objective
Menjadi Payment & Transaction Bank dengan jaringan
distribusi terlengkap dan terintegrasi.
To become the most comprehensive and integrated
Payment & Transaction Bank.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 57
TAGLINE
BANK SINARMAS
Bank Sinarmas Tagline
“We Always Care”
Kepedulian dari semua lini kerja Bank Sinarmas mengenai
pentingnya pelayanan dari hati kepada nasabah, rekan kerja,
rekan bisnis, masyarakat, dan lingkungan yang dilakukan
secara konsisten dan perbaikan yang berkelanjutan untuk
55
mewujudkan kepuasan dan loyalitas nasabah.
2024
Performance
“We Always Care”
Highlights
Concerns from all Bank Sinarmas work lines about the
importance of sincere service to customers, colleagues, Management
business partners, the community, and the environment, Report
which is carried out consistently and continuously to achieve
customer satisfaction and loyalty.
COMPANY
PROFILE
Management
Discussion
and Analysis
“#FinansialLebihBaik” Business
Support
Sebagai tema besar campaign yang baru, #FinansialLebihBaik Overview
hadir atas kebutuhan untuk menciptakan pesan terpadu
yang selaras dengan kebutuhan Nasabah Bank Sinarmas.
Corporate
Kampanye ini bertujuan untuk mengomunikasikan gagasan Governance
bahwa masa depan keuangan setiap orang dapat ditingkatkan
melalui kemitraan perbankan yang tepat. Kampanye ini
Sustainability
menekankan komitmen bank dalam menyediakan solusi dan Report
pengalaman keuangan yang luar biasa bagi semua kliennya,
mulai dari Nasabah reguler hingga high-net-worth individuals.
Bank Sinarmas, sebagai salah satu pilar usaha Sinar Mas, juga
hadir untuk menjadi penyedia solusi keuangan terpadu (one-
stop excellent financial solution) di setiap stage kehidupan
untuk menuju Finansial Lebih Baik.
“Financially Better”
The shift to the new umbrella campaign, #FinansialLebihBaik
(translated as “Financially Better”), is driven by the need to
create a unified message that resonates with Bank Sinarmas.
This campaign aims to communicate the idea that everyone’s
financial future can be improved with the right banking
partner. It emphasizes the Bank’s commitment to providing
excellent financial solutions and experiences for all its clients,
from regular customers to high-net-worth individuals.
Bank Sinarmas, as one of Sinar Mas’ business pillars, also
positions itself as a one-stop provider of excellent financial
solutions at every stage of life in the journey towards a better
Laporan Tahunan & Keberlanjutan financial future.
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 58
NILAI-NILAI LUHUR [OJK C.1][OJK F.1]
Noble Values
INTEGRITY POSITIVE ATTITUDE COMMITMENT
Bertindak sesuai ucapan, janji Menampilkan perilaku yang Melaksanakan pekerjaan dengan
sehingga dapat menumbuhkan mendukung terciptanya lingkungan sepenuh hati untuk mencapai hasil
kepercayaan pihak lain. kerja yang saling menghargai dan terbaik.
kondusif.
56
Acting on words and promises in Displaying behavior that contributes Carrying out the work
order to gain the trust of others. to the creation of a mutually wholeheartedly to achieve the best
Ikhtisar Kinerja respectful and conducive work results.
2024 environment.
Laporan
Manajemen
PROFIL
PERUSAHAAN
Analisis dan
Pembahasan
ETOS KERJA
Manajemen Work Ethic
Tinjauan
Pendukung
Bisnis
Menjalin Hubungan Internasional Belajar secara Terus Menerus Dapat Diandalkan
International Relations Constantly Learning Reliable
Tata Kelola
Perusahaan Senantiasa membina hubungan Mengembangkan ide dan Berkomitmen untuk bekerja dengan
internal, eksternal, maupun secara pengetahuan serta berinovasi untuk tulus sehingga menumbuhkan
Laporan global untuk mendukung kinerja meningkatkan nilai tambah secara keyakinan dan sangka baik
Keberlanjutan dalam dunia bisnis. terus menerus. berlandaskan keandalan.
Perilaku: Proaktif, Cepat Tanggap, Perilaku: Kreatif, Inovatif, dan Solutif. Perilaku: Kompeten, Capable, dan
dan Berani. Jujur.
Constantly fostering internal, external, Developing ideas and knowledge, as Being committed to working sincerely
and global relationships to support well as innovating, to continuously to foster faith and goodwill based on
our performance in the business increase added value. competence.
world. Behavior: Creative, Innovative, and Behavior: Competent, Capable, and
Behavior: Proactive, Responsive, and Solutive. Honest.
Brave.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 59
CONTINUOUS IMPROVEMENT INNOVATIVE LOYAL
Meningkatkan kemampuan atau Memunculkan gagasan atau Menumbuhkembangkan semangat
kapasitas diri, unit kerja, dan menciptakan produk, alat kerja, untuk mengerti, memahami, dan
organisasi secara terus menerus atau sistem kerja baru yang dapat melaksanakan nilai-nilai perusahaan
untuk mencapai hasil terbaik. meningkatkan produktivitas dan sebagai bagian dari keluarga besar
pertumbuhan perusahaan. Bank Sinarmas.
57
Continuously improving our ability or Generating ideas or create new Growing the spirit to understand,
capacity, work unit, and organization products, tools, or systems that can comprehend, and implement
to achieve the best results. increase productivity and company corporate values as part of the Bank 2024
growth. Sinarmas big family. Performance
Highlights
Management
Report
COMPANY
PROFILE
Management
Discussion
and Analysis
Tangkas Ayo Bekerja Sama
Business
Agile Let’s Work Together Support
Mampu memposisikan diri, beradaptasi dan terbuka Bekerja sama dalam mencapai tujuan Bank berdasarkan Overview
terhadap kecepatan (“velocity”) perkembangan bisnis. dengan sikap peduli dan menghargai (“tepa selira”) agar
Senantiasa selalu berjalan walaupun pelan asal tidak diam Bank sehat, kuat, untung, dan dapat mewujudkan mimpi kita
Corporate
“Bu Pa Man, Zhi Pa Zhan” dimana kita tidak hanya berdiam bersama. Governance
diri dan tidak melakukan apa-apa, kita dituntut untuk cepat, Perilaku: Dapat Bekerja Sama dan, Saling Menghargai.
tanggap, dan terus melangkah dalam setiap keadaan agar
kita mampu bertahan di tengah persaingan yang ketat. Cooperating in achieving the Bank’s goals with a caring and Sustainability
Report
Perilaku: Tangkas, Terbuka, dan Cerdas. respectful attitude (“tepa selira”) so that the Bank is sound,
strong, and profitable, and we can all realize our dreams
Capable of positioning, adapting, and being open to the together.
velocity of business development. Always moving, even if Behavior: Mutual respect and the ability to work together.
it’s slow, as long as it’s not silent (“Bu Pa Man, Zhi Pa Zhan”),
in which we don’t just sit idly by and do nothing, we must be
quick, responsive, and constantly moving in every situation
to survive in the face of fierce competition.
Behavior: Agile, Open, and Intelligent.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 60
KEGIATAN USAHA [OJK C.4][GRI 2-1][GRI 2-6]
Business Activities
Kegiatan usaha Bank Sinarmas bergerak di bidang The business activities of Bank Sinarmas engages in the
perbankan, sesuai Anggaran Dasar yang diungkapkan banking sector, as stated in its Articles of Association, which
sebagai berikut. are disclosed as follows.
Kegiatan Usaha yang Dijalankan pada Tahun 2024 Sudah Dijalankan Belum Dijalankan
58 Business Activities Run in 2024 Running Not Yet Running
Menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro,
Ikhtisar Kinerja deposito berjangka, sertifikat deposito, tabungan, dan/atau bentuk simpanan
2024 lainnya yang dipersamakan. √
Collecting funds from the public in the form of current accounts, time deposits,
certificates of deposit, savings, and/or other equalized forms of deposits.
Laporan
Manajemen Memberikan kredit.
√
Providing loans.
PROFIL Menerbitkan surat pengakuan utang.
√
PERUSAHAAN Issuing debt certificates.
Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk kepentingan
Analisis dan dan atas perintah sendiri maupun untuk kepentingan dan atas perintah
Pembahasan nasabah.
Manajemen Buying, selling, or guaranteeing on its own behalf or for the benefit and at the
order of customers
Tinjauan 1. Surat-surat wesel, termasuk wesel yang diakseptasi oleh Bank, yang
Pendukung berlakunya tidak lebih lama dari kebiasaan dalam perdagangan surat-
Bisnis surat yang dimaksud.
2. Surat pengakuan hutang dan kertas dagang lainnya yang masa
berlakunya tidak lebih dari kebiasaan dalam perdagangan surat-surat
Tata Kelola yang dimaksud.
Perusahaan 3. Kertas perbendaharaan negara dan surat jaminan pemerintah.
4. Sertifikat Bank Indonesia.
5. Obligasi. √
Laporan
6. Surat dagang berjangka waktu sampai dengan 1 tahun.
Keberlanjutan
7. Instrumen surat berharga lain yang berjangka waktu sampai dengan 1
tahun.
1. Money orders, including accredited money orders by the Bank in which
the validity period is not longer than the custom of the trade of such
papers.
2. Debt certificates and other trade papers in which the validity period is not
longer than the custom of the trade of such papers.
3. State treasury bills and government guarantee letter.
4. Bank Indonesia Certificates.
5. Bonds.
6. Short-term tradeable promissory notes with validity period of up to one
year.
7. Other securities with validity period of up to one year.
Memindahkan uang, baik untuk kepentingan sendiri maupun untuk
kepentingan nasabah. √
Transferring money, both for own interest and for the customers’ interest.
Menempatkan dana pada, meminjam dana dari, atau meminjamkan dana
kepada bank lain, baik dengan menggunakan surat, sarana telekomunikasi
maupun dengan wesel tunjuk, cek, atau sarana lainnya. √
Placing funds in, borrow funds from, or lend funds to other banks, either by
mail, telecommunication means, or by sight draft, check, or other means.
Menerima pembayaran dari tagihan atas surat berharga dan melakukan
perhitungan dengan atau antar pihak ketiga.
√
Receiving payments from claims on securities and performing calculations with
or between third parties.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 61
Kegiatan Usaha yang Dijalankan pada Tahun 2024 Sudah Dijalankan Belum Dijalankan
Business Activities Run in 2024 Running Not Yet Running
Menyediakan tempat untuk menyimpan barang atau surat berharga.
√
Providing place for storing valuables and securities.
Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu
kontrak. √
Conducting custodial activities for the benefits of others under a contract.
Melakukan penempatan dana dari nasabah lainnya dalam bentuk surat
59
berharga yang tidak tercatat di bursa efek.
√
Performing placement of funds from a customer to another customer in the 2024
form of securities that are not listed in the stock exchange. Performance
Highlights
Membeli melalui pelelangan agunan, baik semua maupun sebagian, dalam hal
debitur tidak memenuhi kewajiban kepada bank, dengan ketentuan agunan
tersebut wajib dicairkan secepatnya.
√ Management
Purchasing a collateral, either in whole or in part, through an auction in the
Report
event that the debtor cannot meet its obligations to the Bank, provided that the
purchased collateral must be disbursed immediately.
Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali COMPANY
amanat. √ PROFILE
Performing factoring activities, credit card business, and trustee activities.
Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang
ditetapkan oleh Bank Indonesia. Management
√ Discussion
Performing foreign currency-related activities by fulfilling the provisions set by
Bank Indonesia. and Analysis
Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain di
bidang keuangan, seperti sewa guna usaha, modal ventura, perusahaan efek, Business
asuransi serta lembaga kliring dan penjaminan dan lembaga penyimpanan dan Support
penyelesaian, dengan memenuhi ketentuan yang ditetapkan oleh Otoritas Jasa Overview
Keuangan.
√
Conducting equity participation in a bank or other company in the field of
finance, leasing companies, venture capital firms, securities companies, Corporate
insurance companies, clearing and guarantee institutions, as well as depository Governance
and settlement institutions in compliance with the provisions stipulated by Bank
Indonesia.
Melakukan kegiatan penyertaan modal sementara untuk mengatasi kegagalan Sustainability
kredit, dengan syarat harus menarik kembali penyertaannya, dengan memenuhi Report
ketentuan-ketentuan yang ditetapkan oleh Otoritas Jasa Keuangan.
Conducting temporary equity participation to cope with NPL, subject to √
withdrawal of statements in accordance with the provisions stipulated by Bank
Indonesia.
Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun sesuai
dengan ketentuan dalam peraturan perundang-undangan dana pensiun yang
berlaku. √
Acting as the pension fund’s founder and administrator in accordance with
applicable pension fund laws and regulations.
*)
Pada tanggal 1 Januari 2024, pemisahan Unit Usaha Syariah Bank Sinarmas telah efektif dilakukan. Dengan dipisahkannya Unit Usaha Syariah tersebut, maka
selanjutnya Bank Sinarmas tidak lagi melakukan kegiatan usaha syariah. Bank Sinarmas juga telah melakukan perubahan kegiatan usaha pada Pasal 3 Anggaran
Dasar Bank Sinarmas sebagaimana termaktub dalam Akta Pernyataan Keputusan Rapat Perubahan Anggaran Dasar PT. Bank Sinarmas Tbk. No. 3 tanggal 2 Januari
2024 yang dibuat di hadapan Aulia Taufani, S.H., Notaris di Jakarta yang telah memperoleh persetujuan sesuai dengan Surat Keputusan Menteri Hukum dan Hak Asasi
Manusia Republik Indonesia No. AHU-0000118.AH.01.02 Tahun 2024 tanggal 2 Januari 2024.
*)
On January 1, 2024, the spin-off of Bank Sinarmas’s Sharia Business Unit was effective. With the spin-off of this Sharia Business Unit, Bank Sinarmas will no longer engage in
Sharia business activities. Bank Sinarmas has also made changes to its business activities in Article 3 of the Bank’s Articles of Association as stated in the Deed of Meeting
Resolution of Amendments to Articles of Association of PT. Bank Sinarmas Tbk. No. 3 dated January 2, 2024, made before Aulia Taufani, S.H., a Notary in Jakarta, which has
obtained approval according to the Minister of Law and Human Rights of the Republic of Indonesia Decree No. AHU-0000118.AH.01.02 of 2024 dated January 2, 2024.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 62
PRODUK DAN LAYANAN/JASA [OJK C.4][GRI 2-6]
Products and Services
PERSONAL BANKING
SIMPANAN REKSADANA BANCASSURANCE
Savings Mutual Funds
60 • Deposito / Time Deposits
• Deposito On Call / On-Call Deposits
• Danamas Rupiah Plus
• Danamas Dollar
• Simas Prima
• Simas KID
• Tabungan Simas Diamond / • Danamas Pasti • Smile Hospital Plus
Ikhtisar Kinerja Simas Diamond Savings • Danamas Stabil • Dana Sejahtera
2024 • Tabungan Simas Bisnis / • Simas Satu Prima • AsuransiKu
Simas Business Savings • Simas Syariah Berkembang • Simas Income Protection
• Tabungan Simas Gold / • Simas Satu • Sinarmas Maxi Life
Laporan Simas Gold Savings • Simas Saham Unggulan • Smile Medical
Manajemen • Tabungan Simas Payroll / • Simas Danamas Saham • Sinarmas Optima Plus
Simas Payroll Savings • Simas Saham Maksima • Sinarmas Pension Plan
PROFIL • Tabungan Co-branding / • Reksa Dana Star Stable Income Fund / • Smile Flexi Link
PERUSAHAAN Co-branding Savings Star Stable Income Fund Mutual Fund • Smile Income Protection
• Simas Tabungan Rencana / • Reksa Dana Simas Pendapatan • Siji Fixed Link
Simas Plan Savings Optima / Simas Pendapatan Optima • Dana Kompensasi Pascakerja (DPK)
Analisis dan • Tabunganku Mutual Fund DPLK Simas Jiwa / DPLK Simas Jiwa
Pembahasan • Tabungan Simpanan Pelajar (SIMPEL) / • Reksa Dana Terproteksi Star Post-employment Compensation
Manajemen Simpanan Pelajar (SIMPEL) Savings Protected XVIII / Star Protected XVIII Fund (DPK)
• Simac Basic Saving Account (BSA) Protected Mutual Fund • Program Pensiun Iuran Pasti (PPIP)
• Simas Valas / • Reksa Dana Indeks Simas Sri Kehati / DPLK Simas Jiwa / DPLK Simas
Tinjauan
Simas Foreign Exchange Simas Sri Kehati Index Mutual Fund Jiwa Pension Program with Defined
Pendukung
• Tabungan Simas Pemodal / • Reksa Dana Terproteksi STAR Contribution (PPIP)
Bisnis
Simas Pemodal Savings Protected 24 / STAR Protected 24
• Tabungan Simas Investor / Protected Mutual Fund
Tata Kelola Simas Investor Savings
Perusahaan • Tabungan Simas Digi / KARTU KREDIT
Simas Digi Savings Credit Card
• Tabungan Rekening Dana Nasabah / LAYANAN INVESTASI
Laporan
Keberlanjutan
Rekening Dana Nasabah Savings REKSADANA • Kartu Kredit Korporat / Corporate
• Giro Sinarmas / Mutual Funds Credit Card
Sinarmas Current Account Investment Service • Kartu Kredit Personal / Personal
Simas Investment Plan Credit Card
PENJAMINAN
Guarantees
• Bank Garansi / Bank Guarantee
• Kontra Bank Garansi / Counter Bank
Guarantee
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 63
LAYANAN BANK SINARMAS / BANK SINARMAS SERVICES
LAYANAN DIGITAL LAIN-LAIN
Digital Services Other
• Internet Banking
• SimobiPlus Mobile Banking
• Safe Deposit Box
• Travelers Cheque 61
• Debit Card • Simas Holiday
• Credit Card • Payroll 2024
• Automatic Teller Machine (ATM) • Bill Payment Performance
• Phone Banking • Giro Biller Highlights
• 24 Hours Customer Care
• Cardless Withdrawal
• Chat Box Management
Report
BUSINESS BANKING COMPANY
PROFILE
PINJAMAN EKSPOR IMPOR TREASURY Management
Loans Export Import Discussion
and Analysis
• Kredit Tanpa Agunan / Unsecured Loans • Penagihan Dokumen Impor / • Telegraphic Transfer (TT)
• Kredit Pemilikan Mobil / Inward Documentary Collection (L/C • Bank Notes (BN)
Car Ownership Loans SKBDN D/P & D/A Import) • FX Hedging (Spot/Forward/Swap) Business
• Kredit Multiguna / Multipurpose Loans • Penerbitan L/C SKBDN Impor / • Deposito On Call (DOC) / Support
• Kredit Modal Kerja / Working Capital Issuance L/C SKBDN On-Call Deposits Overview
Loans • Perubahan L/C SKBDN / • ODA for G7
• Kredit Investasi / Investment Loans Amendment L/C SKBDN
• Simas Dana Tunai (SDT) / Simas Cash • Advice L/C SKBDN / Corporate
Fund (SDT) L/C SKBDN Advising Governance
• Perluasan Agunan / • Penagihan Dokumen Ekspor /
Expansion of Collateral Outward Documentary Collection
• Kredit Back-to-Back / (L/C SKDBN D/P & D/A Export) Sustainability
Back-to-Back Credit • Diskonto Dokumen L/C SKBDN / Report
• Supply Chain Financing Discount Export Document (L/C or
• Kredit Mikro KUK / KUK Micro Credit SKBDN)
• Kredit Usaha Rakyat (KUR) / • Negosiasi Dokumen L/C SKBDN /
People’s Business Credit (KUR) Negotiation Export Document (L/C or
• KMU Petani Sawit / SKBDN)
Palm Oil Farmers KMU
• Kredit Simas Agri / Simas Agri Loans
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 64
WILAYAH OPERASIONAL DAN
JARINGAN [OJK C.3]
Operational and Network Area
WILAYAH OPERASIONAL [POJK51- C.3]
Operational Area
JARINGAN KANTOR Office Networks
332 Kantor
Offices
62 Sumatra
66 Kantor / Offices
Kalimantan
21 Kantor / Offices
Sulawesi & Gorontalo
Ikhtisar Kinerja 21 Kantor / Offices
2024 Papua & Maluku
9 Kantor / Offices
Laporan
Manajemen
PROFIL Jawa Barat
PERUSAHAAN West Java
69 Kantor / Offices
DKI Jakarta & Banten Bali & Nusa Tenggara
Analisis dan 57 Kantor / Offices 16 Kantor / Offices
Pembahasan
Manajemen
Jawa Tengah & DI Yogyakarta
Central Java & DI Yogyakarta Jawa Timur
Tinjauan 41 Kantor / Offices East Java
Pendukung 32 Kantor / Offices
Bisnis
JARINGAN KANTOR LAYANAN
Tata Kelola
Perusahaan
Service Office Networks
JARINGAN KANTOR
Laporan Office Networks
Keberlanjutan
Uraian 2024 2023 2022 Description
Kantor Cabang (KC) 68 68 68 Branch Offices
Kantor Cabang Pembantu (KCP) 192 191 189 Sub-Branch Offices
Kantor Fungsional Operasional (KFO) 62 64 69 Operational Functional Offices
Kantor Fungsional UMK (KF UMK) 10 11 13 Functional Offices for SMEs
JARINGAN KANTOR PER PROVINSI TAHUN 2024
Office Networks per Province 2024
Provinsi Jumlah
KC KCP KFO KF UMK
Province Total
Bali 1 6 0 0 7
Bangka Belitung 2 2 0 0 4
Banten 1 8 5 0 14
Bengkulu 1 3 0 2 6
Daerah Istimewa Yogyakarta | Special Region of Yogyakarta 1 1 3 0 5
DKI Jakarta 8 33 2 0 43
Gorontalo 1 0 1 0 2
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 65
Provinsi Jumlah
KC KCP KFO KF UMK
Province Total
Jambi 1 6 0 0 7
Jawa Barat | West Java 7 39 21 2 69
Jawa Tengah | Central Java 7 19 7 3 36
Jawa Timur | East Java 9 12 10 1 32
Kalimantan Barat | West Kalimantan 1 3 0 0 4
Kalimantan Selatan | South Kalimantan 1 4 0 0 5
Kalimantan Tengah | Central Kalimantan 1 2 1 0 4
Kalimantan Timur | East Kalimantan 2 4 1 0 7
Kalimantan Utara | North Kalimantan 1 0 0 0 1
Kepulauan Riau 2 3 0 0 5
Lampung 1 4 0 1 6
Maluku 1 0 1 0 2
Maluku Utara | North Maluku 1 0 0 0 1 63
Nusa Tenggara Barat | West Nusa Tenggara 1 3 1 0 5
2024
Nusa Tenggara Timur | East Nusa Tenggara 1 2 1 0 4 Performance
Papua 1 0 1 0 2 Highlights
Papua Barat | West Papua 0 1 0 0 1
Papua Barat Daya | Southwest Papua 1 0 0 0 1 Management
Report
Papua Selatan | South Papua 1 0 0 0 1
Papua Tengah | Central Papua 0 1 0 0 1
COMPANY
Riau 2 6 0 0 8 PROFILE
Sulawesi Barat | West Sulawesi 1 0 0 0 1
Sulawesi Selatan | South Sulawesi 1 4 3 0 8 Management
Sulawesi Tengah | Central Sulawesi 1 1 1 0 3 Discussion
and Analysis
Sulawesi Tenggara | Southeast Sulawesi 1 1 2 0 4
Sulawesi Utara | North Sulawesi 1 1 1 0 3
Business
Sumatera Barat | West Sumatera 1 2 0 1 4 Support
Sumatera Selatan | South Sumatera 1 11 0 0 12 Overview
Sumatera Utara | North Sumatera 4 10 0 0 14
Total 68 192 62 10 332 Corporate
Governance
Sustainability
Report
KEANGGOTAAN PADA ASOSIASI [OJK C.5][GRI 2-28]
Membership in Associations
Nama Asosiasi Status Anggota
Association Name Membership Status
Perhimpunan Bank Nasional (PERBANAS) / Indonesian Banks’ Association (PERBANAS) Aktif / Active
Asosiasi Sistem Pembayaran Indonesia (ASPI) / Indonesian Payment System Association (ASPI) Aktif / Active
Asosiasi Emiten Indonesia / Indonesian Public Listed Companies Association Aktif / Active
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) / Aktif / Active
Communication Forum for Banking Compliance Director (FKDKP)
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia (LAPSPI) / Aktif / Active
Indonesian Institute for Alternative Banking Dispute Resolution (LAPSPI)
Indonesian Corporate Secretary Association (ICSA) Aktif / Active
Kamar Dagang & Industri Indonesia (KADIN) / Indonesian Chamber of Commerce and Industry (KADIN) Aktif / Active
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 66
STRUKTUR ORGANISASI
Organizational Structure
General Meeting of Shareholders
ALCO
Credit Committee
Risk Management Committee
Information Technology Committee
Human Capital Committee
President Director
Board of Directors Frenky Tirtowijoyo
Compliance & Risk Retail Banking Director
Management Director
Miko Andidjaja
64
Amandalia Johanes
Chief of Sales &
Distribution
Maureen Setiawan
Ikhtisar Kinerja
2024 Sales &
Credit Credit Anti Fraud Customer Distribution Deposit Investment
Compliance Risk Management Management Legal Management Sales & Segmentation Business Product Digital Marketing
Management (MSME & (Corporate & Distribution Development & Development
Theresia Tyas Piwi Consumer) Commercial Femmy Andreas Denny Sorimulia Partnership Samuel Tanuwidjaja
Laporan Santy Jamhari
Prisilia Maurin Prisilia Maurin**
Priyo
Nugroho
vacant Karim Orlena Tirtasari
Davita
Manajemen
PROFIL Regional
Office
PERUSAHAAN
Analisis dan Compliance Operational Credit Analyst Credit Analyst & Legal (Credit Anti Fraud Proposition & Deposit &
Policy Business Branch Network Bancassurance
Pembahasan Advisory
& Testing
& IT Risk
Management
(MSME &
Consumer) (Corporate &
Commercial)
& Corporate) Management
Branch Development Development Product Digital Marketing Agent Banking
Afendra Eka Yulia Munandar Hanafiah Iman Budiman
Manajemen vacant Hanifa Nur Rini Ratih Puspitasari Saputra Ratnawati Aloysius Steven
Margono
Elyza Riky Cynthia
Tjandrawinata
Market, Credit Policy Credit Analyst
Liquidity &
Tinjauan APU PPT & Enterprise & Early
Warning (MSME &
& Early
Warning Litigation Sales & Portfolio & Loyalty Investment
Product
Sales &
Distribution
PPPSPM Risk Distribution
Pendukung Dyah Hapsari Dewi
Management Consumer) (Corporate &
Commercial) Liana Devi
Lusia Rahma
Silfanus Barita
Setiawan Poety Amelia
Enablement
Adi Ciptaning Torar Sari Claudia Widjaja
Bisnis Margareth
Iskandar Wirabhuana Toni Supomo
Compliance, Wealth
APU PPT Management
& PPPSPM MIS Credit Risk Key Account Business
Tata Kelola & Quality Management Management Performance Digital Sales
Management & Market
Perusahaan Leonardi Wendy
Retno Fitriani vacant Intelligence Triyandi Tanri
Maxkinto Andrie Rachman
Contact Center,
Laporan Telemarketing,
&
Keberlanjutan Consumer
Protection
Hendra Goenawan
Efektif berlaku per 2 Januari 2025
Effective as of January 2, 2025
Jabatan Managerial
Managerial Position
Jabatan Individual Contributor
Individual Contributor Position
Karyawan Cabang
Branch Employees
Garis Reporting Line
Reporting Line
Garis Koordinasi
Coordination Line
* Status Penugasan Sementara
Temporary Assignment Status
** Status Rangkap Jabatan
Concurrent Position Status
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 67
Board of Commissioners
Audit Committee
Risk Monitoring Committee
Remuneration & Nomination Committee
Integrated Good Corporate Governance Committee
Lending & Wholesale Information Technology & Digital Consumer BusinessDirector
Banking Director ExperienceDirector
Enny Kamal
65
Ekajaya Ongny Putra Sendy
Chief of Human Capital
& Operations
Christina Suryadinata
2024
IT Governance, IT Performance
Micro, Small & Corporate & Treasury & Strategy, Customer Facing & Software Infrastructure, Artificial Intelligence & Credit Business Payment Finance &
Medium
Enterprise Commercial Corporate Banking
Business Solution Financial Securities Services Architecture,
Planning &
Internal Product
Management Engineering Technical Product
Management DevOps, Business
Intelligence
Decision
Science Administration Continuation Loan Recovery Transaction & Credit Card Operations Human Capital
Management Procurement Performance Internal
Audit
Highlights
Business Banking Institution Information Operations & & Control & General Services Septiana Jelika Consumer Loan Management
Marcelina A. Nelly* Furiyanto Security Christian Arry Matthew Rendy Irwan Wijaya Product Assurance Ardian Silvano** Yosua Jabby Ariyanto Wendy Widjaja Rudyanto vacant Wiryanto Wijaya Frieda Junia
Muktiono Wibowo Fathur Rosidin Anup Kumar Budiman Tanudjaja Setyobudhi Fera Febriani Moni Yenni Marcia Kambarwati
Ardian Silvano Julianto
Management
Core Corporate Report
Funding & Business Treasury Sales
Management
Raden Bagus Krisnadi
Jeffrey Tando
COMPANY
Corporate & Product Marketing Data
PROFILE
Micro & Commercial Indirect IT Strategy & Management Software Product Management & Analytics Product CAC Operations & Business Loan Recovery Credit Card Policy, Collateral Human Capital Sourcing & Financial Lending Business
Agribusiness Banking Core Corporate Treasury Business Securities Services Channel Program (Digital Banking Development Management IT Infrastructure Digital Development Custody Resilience & (Micro, QRIS & Payment System & Valuation Core Banking Talent Electronic Channel Contract Planning & Audit Corporate
Financing Loan Management Funding Management Operations Business Management Product) Engineering 1 (Middleware & API Campaign Continuity Consumer, & Product Operations Operations Development Operations Management Controlling Strategic Planning
Office Banking Product) vacant Analytics Yenny Berlian Management Credit Card) Yohannes Edwin Wijaya
Zaheri Six Finish Wella vacant vacant Ary Priyatna Jayanti Dominico Tri Timotius Rinaldo Subhawani Saltiar Liana Wilianti RR Astri Hutagalung Budi Supriatna Michael Rony Arif William Thedy Sherley Sutisna Denny
Rindang vacant Christopher Ivan Setiawan Budi Susanto Suwarso* Kusumawardani Christian
Retno Wulandari Sujatmoko Suhendri Management
IT Governance, Product General Affair Credit Card
Discussion
Commercial Corporate Funding Product Change Control, CAC Monitoring, Loan Recovery Organization Supplier
MSME Business
Management
Banking
Acquisition
Business
Development Money Market
Securities Services
Quality
Risk,
Compliance
Management
(Branch Banking)
Software
Development Management
(Core Banking)
DevOps &
Deployment
Business
Intelligence
Analytics Technical
Development Reporting, &
System
(Building
Facilities & (Corporate,
Commercial
Merchant
Acquiring
Business
Development & Service Quality Development &
Industrial Relations
Information &
Performance
Strategic
Performance
Regulatory & Risk
Management Audit Corporate
Secretary
and Analysis
& Services Management & Product Engineering 2 Management Procedure Logistic & SME) Partnership Management Management
Donny Tri Cahyadi Edwin Wedya Merliana Operations Eko Sapta Ade Nugroho Muhammad Hadian Hendra Dwi Management) vacant Nani Sandri Adinda Intan Theresia Meliana Retno Tri Wulandari
Sambodo Fitriana Rizzqi Gernhard Resa Agustinus Angga Firlana Widjojo Johanes Prima Putra Sakti Komarudin Jason Pratama Arnold Sari Pratomo Wijaya Giscard Soelistijo
Amigia Renada Putra Teddy Andrian* Boediono
Product Business
Management Product Portfolio Data General Affair Letter of Human Capital
MSME Relationship Corporate Foreign Exchange Enterprise
Architecture (Card, Payment & Software
Development Management IT Operations & Management & (Payment & Asset API Product Credit & Process & Accounting Retail Banking &
Corporate Funding Corporate Liaison Support
Management Corporate
CorporateBanking
Banking Funding Interbank Transactions) Engineering 3 (Enterprise Data & Product Assurance Campaign Management) Treasury Performance Audit
Mohamad Yusuf
Relationship
Relationship
Alvin Putra Dedy Robertus Eko Sapta
Analytics)
Fajar Rachmat
Analytics
Veronica vacant Operations Management Reza Adrian
Susanto
Yustinus Ivan
Setiawan
Overview
Nursuksma Agustinus vacant Chris Wijaya Suhendra Rasman Susanto Fajar Surachmad Rully D. Wibowo Yoto Miharja
Putra**
Product HCBP, System, Operations &
SME Loan Fixed Income Enterprise Data Management
(Funding, Wealth,
Software
Development Consumer Loan Reconciliation & Employee Finance Corporate Function Corporate
Regional Corporate Governance Relations Audit
Eris Rosadi Funding Khalid
Abdurrahman Hendy Gunawan
Treasury &
Corporate)
Engineering 4
Mirza Adhyatma Dwirani
Novianti Ignatius Arif Sony Agus Kanthi
Governance
Ramadhi Irawan Priharsanta Nalarantini
Hermawan Lonardi
Operational Technology &
Financial IT Finance & Product
Management Software Quality Development &
System Digital Sustainability
Institution Budgeting Engineering Audit
Ursula Kathleen Bennita
(Lending Product)
Andromeda Siddhik
Procedure
John Kornelius
Report
Florian Kurniadhi Tjioe Mayga Wati Kesuma
Tri P.A
Product Audit
Information Management Methodology,
Security (Compliance, Risk & Regional Quality
Assurance Product) Regional Assurance &
Brahnda Adley Operations
Operations Data Analytics
Eleazar Brio Pramana
Budiono* Elizabeth Megawati
Product
Management
Cyber Resilience (Enterprise
Product)
Iman Kurniawan
Erick Wilaga
Dotulong
Product
Management
(Sharia Banking
Product)
Sukma Wijaya
Product Design
Management
vacant
Market & UX
Research
vacant
Digital Product
Owner
vacant
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 68
DEWAN KOMISARIS DAN DIREKSI
Board of Commissioners and Directors
SAMMY KRISTAMULJANA SENDY FRENKY TIRTOWIJOYO MIKO ANDIDJAJA RUSMIN
Komisaris Independen Direktur Direktur Utama Direktur Komisaris Independen
Independent Commissioner Director President Director Director Independent Commissioner
ENNY KAMAL TJENDRAWATI WIDJAJA EKAJAYA ONGNY PUTRA AMANDALIA JOHANES
Direktur Komisaris Utama Direktur Direktur
Director President Commissioner Director Director
66
Ikhtisar Kinerja
2024
Laporan
Manajemen
PROFIL
PERUSAHAAN
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
Tata Kelola
Perusahaan
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 69
PROFIL DEWAN KOMISARIS
Profile of the Board of Commissioners
Tjendrawati Widjaja Periode dan Dasar Hukum Pengangkatan |
Komisaris Utama Term of Office and Legal Basis of Appointment
President Commissioner
Pertama kali diangkat sebagai Komisaris Utama
berdasarkan Keputusan RUPS Luar Biasa per tanggal 21
Kewarganegaraan | Citizenship
Desember 2009 dan efektif menjabat sejak 20 April 2010
Indonesia
dengan akhir periode jabatan hingga dilaksanakannya
Domisili | Domicile
RUPS Tahunan 2026.
First appointment as President Commissioner was based 67
Jakarta on the Extraordinary GMS Resolution dated December
21, 2009, and has effectively served since April 20, 2010, 2024
Usia | Age with the end of the term of office until the 2026 Annual Performance
61 tahun | years old GMS. Highlights
Riwayat Pendidikan | Educational Background
Management
Sarjana Ekonomi, Universitas Satya Wacana, Salatiga (1986).
Report
Bachelor of Economics, Satya Wacana University, Salatiga (1986).
Riwayat Pekerjaan | Work Experience COMPANY
• Menjadi bagian tim inti pendirian Bank Sinarmas (d/h Bank Shinta) serta menduduki berbagai PROFILE
jabatan strategis, yakni:
- Direktur Utama (2003-2010);
- Direktur Credit dan Marketing (2002-2003); Management
- Group Leader Credit dan Marketing (2001-2002);
Discussion
and Analysis
- Wakil Pimpinan Cabang dan Pemimpin Cabang (1992-2001);
• Assistant Manager Pemasaran PT Sulindafin (1988-1989); serta
• Manager Keuangan PT Lima Sempurna Makmur (1986). Business
• Part of the core team in establishing Bank Sinarmas (formerly Bank Shinta) and holding various Support
strategic positions, namely: Overview
- President Director (2003-2010);
- Director of Credit and Marketing (2002-2003);
- Group Leader Credit and Marketing (2001-2002); Corporate
- Vice Branch Manager and Branch Manager (1992-2001); Governance
• Assistant Marketing Manager of PT Sulindafin (1988-1989); and
• Finance Manager of PT Lima Sempurna Makmur (1986).
Sustainability
Report
Rangkap Jabatan | Concurrent Position
• Anggota Komite Pemantau Risiko Bank Sinarmas (sejak 2021); dan
• Anggota Komite Remunerasi dan Nominasi Bank Sinarmas (sejak 2020).
• Member of Risk Monitoring Committee of Bank Sinarmas (since 2021); and
• Member of Remuneration and Nomination Committee of Bank Sinarmas (since 2020).
Sertifikasi Profesi | Professional Certification
Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP).
Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP).
Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 70
PROFIL DEWAN KOMISARIS
Profile of the Board of Commissioners
Sammy Kristamuljana Periode dan Dasar Hukum Pengangkatan |
Komisaris Independen Term of Office and Legal Basis of Appointment
Independent Commissioner
Pertama kali diangkat sebagai Komisaris Independen
berdasarkan Keputusan RUPS Luar Biasa per tanggal 15
Kewarganegaraan | Citizenship
Juni 2012 dan efektif menjabat sejak 3 Juli 2012 dengan
Indonesia
akhir periode jabatan hingga dilaksanakannya RUPS
Tahunan 2026.
68 Domisili | Domicile The first appointment as an Independent Commissioner
Jakarta was based on the Extraordinary GMS Resolution dated
Ikhtisar Kinerja June 15, 2012, and has effectively served since July 3,
2024 Usia | Age 2012, with the end of the term of office until the 2026
70 tahun | years old Annual GMS.
Laporan
Manajemen Riwayat Pendidikan | Educational Background
• Doctor of Philosophy (PhD) bidang Strategi dan Bisnis Internasional, City University of London
(1998);
PROFIL • Master of Science in Management, ADL Management Education Institute, Cambridge, United
PERUSAHAAN
States (1988); dan
• Sarjana Ekonomi jurusan Akuntansi, Universitas Indonesia (1980).
Analisis dan • Doctoral’s degree in Philosophy (PhD) in International Strategy and Business, City University of
Pembahasan London (1998);
Manajemen • Master’s degree in Science in Management, ADL Management Education Institute, Cambridge,
United States (1988); and
Tinjauan • Bachelor’s degree in Economics in Accounting, Universitas Indonesia (1980).
Pendukung
Bisnis Riwayat Pekerjaan | Work Experience
• Rektor Universitas Prasetya Mulya (2004-2012);
Tata Kelola • Fasilitator Indonesian Institute of Corporate Directorship (IICD) (2003-2012); dan
Perusahaan • Chief of Accountant Bank Dagang Nasional Indonesia (1980-1983).
• Rector of Prasetya Mulya University (2004-2012);
Laporan • Facilitator at Indonesian Institute of Corporate Directorship (IICD) (2003-2012); and
Keberlanjutan • Chief of Accountant of Bank Dagang Nasional Indonesia (1980-1983)
Rangkap Jabatan | Concurrent Position
Ketua Komite Audit Bank Sinarmas (sejak 2021).
Chairman of the Audit Committee of Bank Sinarmas (since 2021).
Sertifikasi Profesi | Professional Certification
Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP).
Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP).
Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Controlling
Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 71
Rusmin Periode dan Dasar Hukum Pengangkatan |
Komisaris Independen Term of Office and Legal Basis of Appointment
Independent Commissioner
Pertama kali diangkat sebagai Komisaris Independen
berdasarkan Keputusan RUPS Luar Biasa per tanggal
Kewarganegaraan | Citizenship
13 Juni 2014 dan efektif menjabat sejak 19 Juni 2014
Indonesia
dengan akhir periode jabatan hingga dilaksanakannya
RUPS Tahunan 2026.
Domisili | Domicile The first appointment as an Independent Commissioner 69
Jakarta was based on the Extraordinary GMS Resolution dated
June 13, 2013, and has effectively served since June 19,
2024
Usia | Age 2014, with the end of the term of office until the 2026 Performance
65 tahun | years old Annual GMS. Highlights
Management
Report
COMPANY
Riwayat Pendidikan | Educational Background Rangkap Jabatan | Concurrent Position PROFILE
• Doctor, Curtin University of Technology, Australia (2007); • Ketua Komite Pemantau Risiko Bank Sinarmas (sejak 2021);
• Master College of Business and Public Affairs, Murray State • Ketua Komite Remunerasi & Nominasi Bank Sinarmas (sejak 2020);
University, United States (1994); dan • Anggota Majelis Kehormatan Kode Etik Badan Pemeriksa Keuangan Management
• Sarjana Ekonomi, Sekolah Tinggi Ilmu Ekonomi Yayasan Keluarga (sejak 2019); serta Discussion
Pahlawan Negara (1986). • Dosen Universitas Teknologi Yogyakarta (sejak 2009). and Analysis
• Doctor, Curtin University of Technology, Australia (2007); • Chairman of the Risk Monitoring Committee of Bank Sinarmas (since
• Master College of Business and Public Affairs, Murray State 2021);
Business
University, United States (1994); and • Chairman of the Remuneration & Nomination Committee of Bank
Support
• Bachelor’s degree in Economics, Sekolah Tinggi Ilmu Ekonomi Sinarmas (since 2020); Overview
Yayasan Keluarga Pahlawan Negara (1986) • Honorary Board Member of Code of Ethics of Audit Board of the
Republic of Indonesia (since 2019); and
Riwayat Pekerjaan | Work Experience • Lecturer at Universitas Teknologi Yogyakarta (since 2009). Corporate
• Anggota Komite Audit BNI Sekuritas (2012-2014); Governance
• Anggota Komite Audit Bank Windu Kentjana (2009-2012); Sertifikasi Profesi | Professional Certification
• Dosen dan Kepala Lembaga Penelitian Manajemen dan Akuntansi Manajemen Risiko Jenjang 6, yang dikeluarkan oleh Lembaga
Akademi Akuntansi Yayasan Keluarga Pahlawan Negara (1985-2009); Sertifikasi Profesi Perbankan (LSPP). Sustainability
Report
serta Level 6 Risk Management, issued by the Banking Professional
• Asisten Auditor Kantor Akuntan Publik Hadori & Co (1982). Certification Institute (LSPP).
• Member of the Audit Committee of BNI Sekuritas (2012-2014);
• Member of the Audit Committee of Bank Windu Kentjana (2009- Hubungan Afiliasi | Affiliated Relationship
2012); Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris,
• Lecturer and Head of Management and Accounting Research Direksi, dan Pemegang Saham Pengendali.
Institute at the Academy of Accounting, Yayasan Keluarga Pahlawan Has no affiliation with members of the Board of Commissioners, Board
Negara (1985-2009); and of Directors, and Controlling Shareholders.
• Auditor Assistant at Public Accounting Firm Hadori & Co (1982).
PERUBAHAN KOMPOSISI DEWAN KOMISARIS CHANGES IN THE BOARD OF
COMMISSIONERS’ COMPOSITION
Tidak terdapat perubahan komposisi anggota Dewan There was no change in the Board of Commissioners’
Komisaris selama tahun 2024 hingga Laporan Tahunan dan composition in 2024 until this Annual and Sustainability
Keberlanjutan ini diterbitkan. Report is published.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 72
PROFIL DIREKSI
Profile of the Board of Directors
Frenky Tirtowijoyo Periode dan Dasar Hukum Pengangkatan |
Direktur Utama Term of Office and Legal Basis of Appointment
President Director
Pertama kali diangkat sebagai Direktur Utama
berdasarkan Keputusan RUPS Luar Biasa per tanggal 8
Kewarganegaraan | Citizenship
September 2017 dengan akhir periode jabatan hingga
Indonesia
dilaksanakannya RUPS Tahunan 2026.
The first appointment as President Director was based
70 Domisili | Domicile on the Extraordinary GMS Resolution dated September
Jakarta 8, 2017, with the end of the term of office until the 2026
Ikhtisar Kinerja Annual GMS.
2024 Usia | Age
48 tahun | years old
Laporan
Manajemen Riwayat Pendidikan | Educational Background
• Master of Business Administration, National University of Singapore (2009); dan
• Bachelor of Business Administration in Finance, Texas A&M University (1998).
PROFIL
• Master of Business Administration, National University of Singapore (2009); and
PERUSAHAAN
• Bachelor of Business Administration in Finance, Texas A&M University (1998).
Analisis dan
Riwayat Pekerjaan | Work Experience
Pembahasan
• Direktur Bank Sinarmas (2015-2017);
Manajemen
• Senior Business Analyst, Group Operational Risk Assurance, dan Senior Manager CDD
Operation & Approver Standard Chartered Bank, Singapore (2007-2014);
Tinjauan • Senior Manager Consumer Banking Operations Standard Chartered Bank, Indonesia (2006-
Pendukung 2007);
Bisnis
• Assistant Vice President Legacy Texas Bank (2003-2005);
• Credit Portfolio Manager Northern Trust Bank (2002); serta
Tata Kelola • Banking Officer dan Senior Credit Analyst Legacy Texas Bank (1998).
Perusahaan • Director of Bank Sinarmas (2015-2017);
• Senior Business Analyst, Group Operational Risk Assurance, and Senior Manager of CDD
Laporan Operation & Approver of Standard Chartered Bank, Singapore (2007-2014);
Keberlanjutan • Senior Manager of Consumer Banking Operations of Standard Chartered Bank, Indonesia
(2006-2007);
• Assistant Vice President of Legacy Texas Bank (2003-2005);
• Credit Portfolio Manager of Northern Trust Bank (2002); and
• Banking Officer and Senior Credit Analyst of Legacy Texas Bank (1998).
Rangkap Jabatan | Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Not holding concurrent positions, either at banks, companies, and/or other institutions.
Sertifikasi Profesi | Professional Certification
Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP).
Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP).
Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Controlling
Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 73
Miko Andidjaja Periode dan Dasar Hukum Pengangkatan |
Direktur Retail Banking Term of Office and Legal Basis of Appointment
Retail Banking Director
Pertama kali diangkat sebagai Direktur berdasarkan
Keputusan RUPS Luar Biasa per tanggal 5 Desember
Kewarganegaraan | Citizenship
2018 dengan akhir periode jabatan hingga
Indonesia
dilaksanakannya RUPS Tahunan 2026.
The first appointment as Director was based on the
Domisili | Domicile Extraordinary GMS Resolution dated December 5, 2018, 71
Jakarta with the end of the term of office until the 2026 Annual
GMS.
2024
Usia | Age Performance
53 tahun | years old Highlights
Riwayat Pendidikan | Educational Background
• Master of Business Administration, University of East London, United Kingdom (1998); dan Management
• Sarjana Administrasi Bisnis, Universitas Atmajaya (1995). Report
• Master of Business Administration, University of East London, United Kingdom (1998); and
• Bachelor’s degree in Business Administration, Universitas Atmajaya (1995).
COMPANY
PROFILE
Riwayat Pekerjaan | Work Experience
• National Sales and Distribution Head Bank Sinarmas (2015-2018);
• Privilege Banking Business Head Bank UOB Indonesia (2014-2015); dan Management
• Deposit/Funding, Investment, and Insurance (DIII) Sales Head Bank UOB Indonesia (2010-2013). Discussion
• National Sales and Distribution Head of Bank Sinarmas (2015-2018); and Analysis
• Privilege Banking Business Head of Bank UOB Indonesia (2014-2015); and
• Deposit/Funding, Investment, and Insurance (DIII) Sales Head of Bank UOB Indonesia (2010-
Business
2013).
Support
Overview
Rangkap Jabatan | Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Not holding concurrent positions, either at banks, companies, and/or other institutions. Corporate
Governance
Sertifikasi Profesi | Professional Certification
Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP).
Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP). Sustainability
Report
Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Controlling
Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 74
PROFIL DIREKSI
Profile of the Board of Directors
Ekajaya Ongny Putra Periode dan Dasar Hukum Pengangkatan |
Direktur Lending & Wholesale Term of Office and Legal Basis of Appointment
Banking
Lending & Wholesale Banking Pertama kali diangkat sebagai Direktur berdasarkan
Director Keputusan RUPS Tahunan per tanggal 14 Juni 2022 dan
Kewarganegaraan | Citizenship efektif menjabat sejak tanggal 11 Oktober 2022 dengan
Indonesia akhir periode jabatan hingga dilaksanakannya RUPS
Tahunan 2026.
72 Domisili | Domicile The first appointment as Director was based on the
Jakarta Annual GMS Resolution dated June 14, 2022, and has
Ikhtisar Kinerja effectively served since October 11, 2022, with the end
2024 of the term of office until the 2026 Annual GMS.
Usia | Age
36 tahun | years old
Laporan
Manajemen Riwayat Pendidikan | Educational Background
Sarjana Teknik Sipil, Universitas Atmajaya, Makassar (2009).
Bachelor’s degree in Civil Engineering, Universitas Atmajaya, Makassar (2009).
PROFIL
PERUSAHAAN
Riwayat Pekerjaan | Work Experience
• Corporate Banking Group Head Bank Sinarmas (2022); dan
Analisis dan
• Loan Recovery Group Head Bank Sinarmas (2020-2022).
Pembahasan
• Corporate Banking Group Head of Bank Sinarmas (2022); dan
Manajemen
• Loan Recovery Group Head of Bank Sinarmas (2020-2022).
Tinjauan Rangkap Jabatan | Concurrent Position
Pendukung
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Bisnis
Not holding concurrent positions, either at banks, companies, and/or other institutions.
Tata Kelola Sertifikasi Profesi | Professional Certification
Perusahaan
Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP).
Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP).
Laporan
Keberlanjutan Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Controlling
Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 75
Enny Kamal Periode dan Dasar Hukum Pengangkatan |
Direktur Consumer Business Term of Office and Legal Basis of Appointment
Consumer Business Director
Pertama kali diangkat sebagai Direktur berdasarkan
Keputusan RUPS Tahunan per tanggal 27 Juni 2023
Kewarganegaraan | Citizenship dengan akhir periode jabatan hingga dilaksanakannya
Indonesia RUPS Tahunan 2026.
The first appointment as Director was based on the
Domisili | Domicile Annual GMS Resolution dated June 27, 2023, with the 73
Jakarta end of the term of office until the 2026 Annual GMS.
2024
Usia | Age Performance
57 tahun | years old Highlights
Riwayat Pendidikan | Educational Background
Sarjana Ekonomi jurusan Akuntansi, Universitas HKBP Nommensen, Medan (1989). Management
Bachelor’s degree in Economics in Accounting, Universitas HKBP Nommensen, Medan (1989). Report
Riwayat Pekerjaan | Work Experience COMPANY
• Group Head Operations Bank Sinarmas (Januari 2023-Juni 2023); serta PROFILE
• Assisstant to President Director Bank Sinarmas (2023); serta
• Kepala Kantor Wilayah V Bank Central Asia (2019-2022).
• Group Head Operations of Bank Sinarmas (January 2023-Juni 2023); Management
• Assistant to the President Director of Bank Sinarmas (2023); and Discussion
• Head of Regional Office V of Bank Central Asia (2019-2022). and Analysis
Rangkap Jabatan | Concurrent Position
Business
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Support
Not holding concurrent positions, either at banks, companies, and/or other institutions. Overview
Sertifikasi Profesi | Professional Certification
Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP). Corporate
Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP). Governance
Hubungan Afiliasi | Affiliated Relationship
Sustainability
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Report
Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Controlling
Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 76
PROFIL DIREKSI
Profile of the Board of Directors
Sendy Periode dan Dasar Hukum Pengangkatan |
Direktur Information Technology Term of Office and Legal Basis of Appointment
& Digital Experience
Information Technology & Digital Pertama kali diangkat sebagai Direktur berdasarkan
Experience Director Keputusan RUPS Tahunan per tanggal 27 Juni 2023
Kewarganegaraan | Citizenship dengan akhir periode jabatan hingga dilaksanakannya
Indonesia RUPS Tahunan 2026.
The first appointment as Director was based on the
74 Domisili | Domicile Annual GMS Resolution dated June 27, 2023, with the
Jakarta end of the term of office until the 2026 Annual GMS.
Ikhtisar Kinerja
2024 Usia | Age
42 tahun | years old
Laporan
Manajemen Riwayat Pendidikan | Educational Background
Sarjana Teknik, Institut Teknologi Bandung (2001).
Bachelor’s degree in Engineering, Bandung Institute of Technology (2001).
PROFIL
PERUSAHAAN
Riwayat Pekerjaan | Work Experience
• IT and Digital Experience Group Head Bank Sinarmas (2022-2023);
Analisis dan
• Head of Product Sinar Mas Multiartha (2022);
Pembahasan
• Komisaris Independen Principal Asset Management (2020-2022);
Manajemen
• Chairman QUEL (2019-2021);
• Direktur Utama Futuready.com (2015-2019);
Tinjauan • Chief Executive Officer KreditGoGo.com (2014-2015);
Pendukung • Corporate Development Manager Sampoerna Strategic (2011-2014);
Bisnis
• Project Manager Bank Central Asia (2008-2010); dan
• Associate Boston Consulting Group (2007-2008).
Tata Kelola • IT and Digital Experience Group Head of Bank Sinarmas (2022-2023);
Perusahaan • Head of Product of Sinar Mas Multiartha (2022);
• Independent Commissioner of Principal Asset Management (2020-2022);
Laporan • Chairman of QUEL (2019-2021);
Keberlanjutan • President Director of Futuready.com (2015-2019);
• Chief Executive Officer of KreditGoGo.com (2014-2015);
• Corporate Development Manager of Sampoerna Strategic (2011-2014);
• Project Manager of Bank Central Asia (2008-2010); and
• Associate of Boston Consulting Group (2007-2008).
Rangkap Jabatan | Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Not holding concurrent positions, either at banks, companies, and/or other institutions.
Sertifikasi Profesi | Professional Certification
Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP).
Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP).
Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Controlling
Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 77
Amandalia Johanes Periode dan Dasar Hukum Pengangkatan |
Direktur Compliance & Risk Term of Office and Legal Basis of Appointment
Management
Compliance & Risk Pertama kali diangkat sebagai Direktur berdasarkan
Management Director Keputusan RUPS Luar Biasa per tanggal 28 Oktober 2024
Kewarganegaraan | Citizenship dengan akhir periode jabatan hingga dilaksanakannya
Indonesia RUPS Tahunan 2026.
The first appointment as Director was based on the
Domisili | Domicile Extraordinary GMS Resolution dated October 28, 2024, 75
Jakarta with the end of the term of office until the 2026 Annual
GMS.
2024
Usia | Age Performance
57 tahun | years old Highlights
Riwayat Pendidikan | Educational Background
• Magister Manajemen di Institute Technology and Business Kalbe, Jakarta (2005) Management
• Sarjana Akuntansi di Universitas Tarumanagara (1990) Report
• Master’s degree in Management at Institute Technology and Business Kalbe, Jakarta (2005)
• Bachelor’s degree in Accounting at Universitas Tarumanagara (1990)
COMPANY
PROFILE
Riwayat Pekerjaan | Work Experience
• Head of Risk Management, Compliance dan UKPN di PT Bank Index Selindo (2020)
• Kepala Satuan Kerja Manajemen Risiko pada beberapa bank, antara lain PT Bank UOB Management
Indonesia dan PT Bank CTBC Indonesia (sejak Juni 2004) Discussion
• Management Development Program PT Bank Central Asia sebagai Kepala Bagian Operasional, and Analysis
Kepala Bagian Administrasi Kredit, Kepala Divisi Kredit, Kepala Divisi Credit Reviewer (sejak
tahun 1992)
Business
• Head of Risk Management, Compliance, and UKPN at PT Bank Index Selindo (2020)
Support
• Head of Risk Management Work Unit at several banks, among others, PT Bank UOB Indonesia
Overview
and PT Bank CTBC Indonesia (since June 2004)
• Management Development Program of PT Bank Central Asia as Head of Operational
Department, Head of Credit Administration Department, Head of Credit Division, Head of Corporate
Credit Reviewer Division (since 1992) Governance
Rangkap Jabatan | Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain. Sustainability
Not holding concurrent positions, either at banks, companies, and/or other institutions. Report
Sertifikasi Profesi | Professional Certification
• Manajemen Risiko Jenjang 7, yang dikeluarkan oleh Lembaga Sertifikasi Profesi Perbankan (LSPP).
• Certified Financial Planner (CRP)
• Qualified Wealth Planner (QWP)
• Wakil Manajer Investasi (WMI)
• Certified Enterprise Risk Management (CERG)
• Level 7 Risk Management, issued by the Banking Professional Certification Institute (LSPP).
• Certified Financial Planner (CRP)
• Qualified Wealth Planner (QWP)
• Vice Investment Manager (WMI)
• Certified Enterprise Risk Management (CERG)
Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham
Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Controlling
Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 78
Perubahan Komposisi Anggota Direksi Changes to the Board of Directors’ Composition
Pada tahun 2024, terdapat perubahan komposisi anggota In 2024, there was change in the composition of members
Direksi Bank Sinarmas dengan penjelasan sebagai berikut. of Bank Sinarmas’ Board of Directors with the following
explanation.
Susunan Direksi berdasarkan Susunan Direksi berdasarkan
RUPS Tahunan tanggal 16 Mei 2024 RUPS Luar Biasa tanggal 28 Oktober 2024
Board of Directors’ Composition based on Board of Directors’ Composition based on Alasan Perubahan
Annual GMS dated May 16, 2024 Extraordinary GMS dated October 28, 2024 Reason for Change
Nama Jabatan Nama Jabatan
Name Position Name Position
Frenky Tirtowijoyo Direktur Utama Frenky Tirtowijoyo Direktur Utama
President Director President Director
Miko Andidjaja Direktur Miko Andidjaja Direktur
Director Director Memperkuat
susunan anggota
Ekajaya Ongny Putra Direktur Ekajaya Ongny Putra Direktur Direksi serta
76 Director Director disesuaikan dengan
kompleksitas Bank.
Enny Kamal Direktur Enny Kamal Direktur
Director Director Strengthening the Board of Directors’
Ikhtisar Kinerja composition as well as being adjusted
2024 Sendy Direktur Sendy Direktur to the Bank’s complexity.
Director Director
Laporan Amandalia Johanes Direktur
Manajemen Director
PROFIL
PERUSAHAAN
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
Tata Kelola
Perusahaan
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 79
PROFIL PEJABAT EKSEKUTIF
Profile of Executive Officers
Andreas Priyo Nugroho
Group Head Anti Fraud Management
Warga Negara Indonesia, 46 tahun. Indonesian citizen, 46 years old.
Bergabung di Bank Sinarmas sejak 2023. Sebelumnya berkarier Joined Bank Sinarmas in 2023. Previously had a career at Bank
di Bank BTPN dengan posisi terakhir sebagai Fraud Risk BTPN with the last position as Fraud Risk Analytic.
Analystic.
Meraih gelar Sarjana Pertanian dan Kehutanan dari Institut Obtained Bachelor’s degree in Agriculture and Forestry from
Pertanian Bogor tahun 2001. Bogor Agricultural Institute in 2001. 77
Anup Kumar 2024
Group Head Treasury & Financial Institution Performance
Highlights
Warga Negara Indonesia, 39 tahun. Indonesian citizen, 39 years old.
Bergabung di Bank Sinarmas sejak 2019. Sebelumnya berkarier Joined Bank Sinarmas in 2019. Previously had a career at PT
Management
di PT MNC Asset Management sebagai Fix Income Fund. MNC Asset Management as a Fixed Income Fund. Report
Meraih gelar Magister Administrasi Bisnis dari Universitas Obtained Master of Business Administration degree from
Gadjah Mada tahun 2012. Gadjah Mada University in 2012. COMPANY
PROFILE
Ardian Silvano
Group Head IT Governance, Strategy, Architecture, Planning & Information Security Management
Discussion
Warga Negara Indonesia, 47 tahun. Indonesian citizen, 47 years old. and Analysis
Bergabung di Bank Sinarmas sejak March 2024. Sebelumnya Joined Bank Sinarmas in March 2024. Previously had a career
berkarir di PT BANK JAGO sebagai HEAD OF DIGITAL at PT BANK JAGO as the HEAD OF DIGITAL PRODUCT RISK.
Business
PRODUCT RISK. Support
Overview
Meraih gelar Magister Ekonomi dari Sekolah Tinggi Manajemen Obtained Master’s degree in Economics from Sekolah Tinggi
Bisnis Telkom tahun 2007. Management Bisnis Telkom in 2007.
Corporate
Governance
Christian Arry Budiman
Group Head Customer Facing & Internal Product Management
Sustainability
Warga Negara Indonesia, 41 tahun. Indonesian citizen, 41 years old. Report
Bergabung di Bank Sinarmas sejak 2010. Sebelumnya berkarier Joined Bank Sinarmas in 2010. Previously had a career at KPMG
di KPMG dengan posisi terakhir sebagai Customer Service with the last position as Customer Service Officer.
Officer.
Meraih gelar Sarjana Bisnis dan Manajemen dari Universitas Obtained Bachelor’s degree in Business and Management from
Sahid Jakarta tahun 2001. Universitas Sahid Jakarta in 2001.
Christina Suryadinata
Chief of Human Capital Management
Warga Negara Indonesia, 47 tahun. Indonesian citizen, 47 years old.
Bergabung di Bank Sinarmas sejak 2016. Sebelumnya berkarier Joined Bank Sinarmas in 2016. Previously had a career at Bank
di Bank Permata dengan posisi terakhir sebagai Senior Vice Permata with the last position as Senior Vice President.
President.
Meraih gelar Sarjana Ekonomi dari Universitas Katolik Obtained Bachelor’s degree in Economics from Universitas
Parahyangan tahun 1999 Katolik Parahyangan in 1999.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 80
Davita
Group Head Sales & Distribution Business Development & Partnership
Warga Negara Indonesia, 46 tahun. Indonesian citizen, 46 years old.
Bergabung di Bank Sinarmas sejak September 2006. Joined Bank Sinarmas in September 2006. Previously worked
Sebelumnya berkarir di BII sebagai Marketing. at BII as a Marketing.
Meraih gelar Sarjana Bisnis dan Manajemen dari Sekolah Tinggi Obtained a Bachelor’s degree in Business and Management
Ilmu Ekonomi Jambi tahun 2007. from Jambi College of Economics in 2007.
Denny Sorimulia Karim
Group Head Customer Segmentation
Warga Negara Indonesia, 53 tahun. Indonesian citizen, 53 years old.
Bergabung di Bank Sinarmas sejak Juni 2024. Sebelumnya Joined Bank Sinarmas in June 2024. Previously had a career at
berkarir di BDO INDONESIA sebagai Partner / Executive Director. BDO INDONESIA as Partner/Executive Director.
78 Meraih gelar Sarjana Bisnis dan Manajemen dari Universitas
Trisakti tahun 2001.
Obtained Bachelor’s degree in Business and Management from
Universitas Trisakti in 2001.
Ikhtisar Kinerja
2024 Fathur Rosidin
Group Head Corporate & Commercial Banking
Laporan Warga Negara Indonesia, 39 tahun. Indonesian citizen, 39 years old.
Manajemen
Bergabung di Bank Sinarmas melalui Management Development Joined Bank Sinarmas through the Management Development
Program (MDP) tahun 2012. Program (MDP) in 2012.
PROFIL
PERUSAHAAN
Meraih gelar Sarjana Teknik dari Universitas Kristen Petra tahun Obtained Bachelor’s degree in Engineering from Universitas
2007 serta Magister Bisnis dan Manajemen dari Universitas Bina Kristen Petra in 2007 and Master’s degree in Business and
Analisis dan
Nusantara tahun 2014. Management from Universitas Bina Nusantara in 2014.
Pembahasan
Manajemen
Femmy
Tinjauan Group Head Legal
Pendukung
Bisnis Warga Negara Indonesia, 40 tahun. Indonesian citizen, 40 years old.
Bergabung di Bank Sinarmas sejak 2018. Sebelumnya berkarier Joined Bank Sinarmas in 2018. Previously had a career at
Tata Kelola di Maybank Indonesia dengan posisi terakhir sebagai Senior Maybank Indonesia with the last position as Senior Manager.
Perusahaan Manager.
Laporan Meraih gelar Sarjana Hukum dari Universitas Tarumanagara Obtained Bachelor’s degree in Law from Universitas
Keberlanjutan tahun 2005. Tarumanagara in 2005.
Fera Febriani
Group Head Credit Administration & Control
Warga Negara Indonesia, 51 tahun. Indonesian citizen, 51 years old.
Memulai karier di Bank Shinta melalui Basic Banking Officer Started a career at Bank Shinta through Basic Banking Officer
Program (BBOP) tahun 1997. Program (BBOP) in 1997.
Meraih gelar Sarjana Teknik Arsitektur dari Universitas Katolik Obtained Bachelor’s degree in Architecture from Universitas
Parahyangan tahun 1996. Katolik Parahyangan in 1996.
Frieda Junia
Group Head Internal Audit
Warga Negara Indonesia, 52 tahun. Indonesian citizen, 52 years old.
Bergabung di Bank Sinarmas sejak 2021. Sebelumnya berkarier Joined Bank Sinarmas in 2021. Previously had a career at
di Deutsche Bank Ag dengan posisi terakhir Principal Auditor. Deutsche Bank Ag with the last position as Principal Auditor.
Meraih gelar Sarjana Ekonomi dari Universitas Pendidikan Obtained Bachelor’s degree in Economics from Universitas
Nasional tahun 1996. Pendidikan Nasional in 1996.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 81
Furiyanto
Group Head Securities Services
Warga Negara Indonesia, 57 tahun. Indonesian citizen, 57 years old.
Bergabung di Bank Sinarmas sejak 2022. Sebelumnya berkarier Joined Bank Sinarmas in 2022. Previously had a career at
di Maybank Indonesia dengan posisi terakhir sebagai Branch Maybank Indonesia with the last position as Branch Manager.
Manager.
Meraih gelar Sarjana Ilmu Komputer dari Universitas Gadjah Obtained Bachelor’s degree in Computer Science from
Mada tahun 1990 serta Magister Bisnis dan Manajemen dari Universitas Gadjah Mada in 1990 and Master’s degree in
Universitas Terbuka tahun 2015. Business and Management from Universitas Terbuka in 2015.
Irwan Wijaya
Group Head Technical Product Management
Warga Negara Indonesia, 43 tahun. Indonesian citizen, 43 years old.
Bergabung di Bank Sinarmas sejak 2007. Sebelumnya berkarier Joined Bank Sinarmas in 2007. Previously had a career at Fujitsu
di Fujitsu Indonesia dengan posisi terakhir sebagai Analyst Indonesia with the last position as Analyst Programmer.
Programmer. 79
Meraih gelar Sarjana Ilmu Komputer dari Universitas Bina Obtained Bachelor’s degree in Computer Science from 2024
Nusantara tahun 2003 dan Magister Ilmu Komputer dari Universitas Bina Nusantara in 2003 and Master’s degree in Performance
Universitas Bina Nusantara tahun 2021. Computer Science from Universitas Bina Nusantara in 2021. Highlights
Jeffrey Tando Management
Group Head Core Corporate Funding & Business Management Report
Warga Negara Indonesia, 45 tahun. Indonesian citizen, 45 years old.
Bergabung di Bank Sinarmas sejak May 2016. Joined Bank Sinarmas in May 2016. COMPANY
PROFILE
Meraih gelar Sarjana Teknik dari Universitas Trisakti tahun 2000. Obtained Bachelor’s degree in Engineering from Universitas
Trisakti in 2000.
Management
Discussion
Julianto and Analysis
Group Head IT Infrastructure, DevOps, Operations, & Product Assurance
Warga Negara Indonesia, 41 tahun. Indonesian citizen, 41 years old. Business
Bergabung di Bank Sinarmas sejak April 2007. Joined Bank Sinarmas in April 2007. Previously had a career at Support
Overview
Sebelumnya berkarir di Bintang Top Cell sebagai Marketing. Bintang Top Cell as Marketing.
Meraih gelar Sarjana Ilmu Komputer dari Universitas Bina Obtained Bachelor’s degree in Computer Science from Corporate
Nusantara tahun 2005. Universitas Bina Nusantara in 2005. Governance
Marcelina A. Nelly Sustainability
Group Head Corporate Banking Business Solution Report
Warga Negara Indonesia, 54 tahun. Indonesian citizen, 54 years old.
Bergabung di Bank Sinarmas sejak 1993. Sebelumnya berkarier Joined Bank Sinarmas in 1993. Previously had a career at
di Unibank dengan posisi terakhir di bagian Customer Service. Unibank with the last position in Customer Service.
Meraih gelar Sarjana Manajemen Pemasaran dari Universitas Obtained Bachelor’s degree in Marketing Management from
Saint Mary’s College tahun 1994. Saint Mary’s College University in 1994.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 82
Marcia Kambarwati
Group Head Finance & Performance Management
Warga Negara Indonesia, 35 tahun. Indonesian citizen, 35 years old.
Bergabung di Bank Sinarmas sejak March 2024. Sebelumnya Joined Bank Sinarmas in March 2024. Previously had a career at
berkarir di Sinarmas Sekuritas sebagai Head of Risk Sinarmas Sekuritas as Head of Risk Management.
Management.
Meraih gelar Sarjana Ekonomi dari Universitas Indonesia tahun Obtained Bachelor’s degree in Economics from Universitas
2012. Indonesia in 2012.
Matthew Rendy Tanudjaja
Group Head Software Engineering
Warga Negara Indonesia, 39 tahun. Indonesian citizen, 39 years old.
Bergabung di Bank Sinarmas sejak March 2024. Joined Bank Sinarmas in March 2024.
Meraih gelar Magister Teknik dari Universitas Bina Nusantara Obtained Master’s degree in Engineering from Universitas Bina
80 tahun 2014. Nusantara in 2014.
Ikhtisar Kinerja
2024 Maureen Setiawan
Chief of Sales & Distribution
Laporan Warga Negara Indonesia, 48 tahun. Indonesian citizen, 48 years old.
Manajemen Bergabung di Bank Sinarmas sejak 2015. Sebelumnya berkarier Joined Bank Sinarmas in 2015. Previously had a career at Bank
di Bank UOB Indonesia dengan posisi terakhir sebagai GSM UOB Indonesia with the last position as GSM Priority Banking.
PROFIL Priority Banking.
PERUSAHAAN
Meraih gelar Sarjana Ekonomi dari Tarakanita dan Universitas Obtained Bachelor’s degree in Economics from Tarakanita and
Analisis dan Indonesia tahun 1998. Universitas Indonesia in 1998.
Pembahasan
Manajemen
Moni
Tinjauan Group Head Business Continuation & General Services
Pendukung
Bisnis Warga Negara Indonesia, 57 tahun. Indonesian citizen, 57 years old.
Bergabung di Bank Sinarmas sejak 2023. Sebelumnya berkarier Joined Bank Sinarmas in 2023. Previously had a career at Bank
Tata Kelola di Bank Central Asia dengan posisi terakhir sebagai Kepala Central Asia with the last position as Head of Regional Business
Perusahaan Pengembangan Bisnis Wilayah. Development.
Laporan Meraih gelar Ahli Madya Ekonomi dari Sekolah Tinggi Ilmu Obtained Diploma in Economics from Harapan School of
Keberlanjutan Ekonomi Harapan tahun 1989. Economics in 1989.
Muktiono Wibowo
Group Head Micro, Small, & Medium Enterprise Business
Warga Negara Indonesia, 57 tahun. Indonesian citizen, 57 years old.
Bergabung di Bank Sinarmas sejak 2014. Sebelumnya berkarier Joined Bank Sinarmas in 2014. Previously had a career at Bank
di Bank BRI Syariah dengan posisi terakhir sebagai Micro BRI Syariah with the last position as Micro Business Department
Business Department Head. Head.
Meraih gelar Magister Manajemen dari Universitas Persada Obtained Master’s degree in Management from Universitas
Indonesia Y.A.I tahun 2018. Persada Indonesia Y.A.I in 2018.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 83
Orlena Tirtasari
Group Head Deposit Investment Product Development
Warga Negara Indonesia, 40 tahun.
Bergabung di Bank Sinarmas sejak 2022. Sebelumnya berkarier Indonesian citizen, 40 years old.
di Bank DBS Indonesia dengan posisi terakhir sebagai Balance Joined Bank Sinarmas in 2022. Previously had a career at Bank
Sheet Manager. DBS Indonesia with the last position as Balance Sheet Manager.
Meraih gelar Sarjana Teknik dari Universitas Katolik Indonesia Obtained Bachelor’s degree in Engineering from Universitas
Atma Jaya tahun 2006. Katolik Indonesia Atma Jaya in 2006.
Prisilia Maurin
Group Head Credit Management (MSME & Consumer)
Warga Negara Indonesia, 39 tahun. Indonesian citizen, 39 years old.
Bergabung di Bank Sinarmas melalui Management Development Joined Bank Sinarmas through Management Development
Program (MDP) tahun 2009. Program (MDP) in 2009.
Meraih Sarjana Ilmu Komputer dari Universitas Bina Nusantara Obtained Bachelor’s degree in Computer Science from 81
tahun 2007. Universitas Bina Nusantara in 2007.
2024
Performance
Raden Bagus Krisnadi Highlights
Group Head Treasury Sales
Warga Negara Indonesia, 38 tahun. Indonesian citizen, 38 years old. Management
Bergabung di Bank Sinarmas sejak 2015. Sebelumnya berkarier Joined Bank Sinarmas in 2015. Previously had a career at PT Report
di di PT Panin Bank Tbk sebagai Treasury - FX Management Panin Bank Tbk as Treasury – FX Management Dealer.
Dealer.
COMPANY
PROFILE
Meraih gelar Sarjana Ekonomi dari Universitas Bina Nusantara Obtained Bachelor’s degree in Economics from Universitas
tahun 2009 dan Magister Bisnis dan Manajemen dari Universitas Bina Nusantara in 2009 and Master’s degree in Business and
Bina Nusantara tahun 2013. Management from Universitas Bina Nusantara in 2013. Management
Discussion
and Analysis
Rudyanto
Group Head Operations
Business
Warga Negara Indonesia, 48 tahun. Indonesian citizen, 48 years old. Support
Bergabung di Bank Sinarmas sejak 2002. Sebelumnya berkarier Joined Bank Sinarmas in 2002. Previously had a career at Riimba Overview
di Riimba Dana Dwikatrie dengan posisi terakhir sebagai Dana Dwikatrie with the last position as Business Consultant.
Business Consultant. Corporate
Governance
Meraih gelar Sarjana Bisnis dan Manajemen dari Sekolah Tinggi Obtained Bachelor’s degree in Business and Management from
Ilmu Ekonomi Widya Darma tahun 1999. Widya Darma School of Economics in 1999.
Sustainability
Report
Samuel Tanuwidjaja
Group Head Digital Marketing
Warga Negara Indonesia, 44 tahun. Indonesian citizen, 44 years old.
Bergabung di Bank Sinarmas sejak 2021. Sebelumnya berkarier Joined Bank Sinarmas in 2021. Previously had a career at Tanihub
di Tanihub Group dengan posisi terakhir sebagai Vice President Group with the last position as Vice President Commercial.
Commercial.
Meraih gelar Master of Business Administration dari University of Obtained Master’s degree in Business Administration from
Melbourne tahun 2008. University of Melbourne in 2008.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 84
Santy Jamhari
Group Head Risk Management
Warga Negara Indonesia, 42 tahun. Indonesian citizen, 42 years old.
Bergabung di Bank Sinarmas sejak 2015. Sebelumnya berkarier Joined Bank Sinarmas in 2015. Previously had a career at PT
di PT Bank UOB Indonesia sebagai AVP - Privilege Banking. Bank UOB Indonesia as AVP – Privilege Banking
Meraih gelar Sarjana Ekonomi dari Universitas Tarumanagara Obtained Bachelor’s degree in Economics from Universitas
tahun 2004. Tarumanegara in 2004.
Septiana Jelika Ariyanto
Group Head Loan Recovery
Warga Negara Indonesia, 31 tahun. Indonesian citizen, 31 years old.
Bergabung di Bank Sinarmas melalui Management Development Joined Bank Sinarmas through Management Development
Program (MDP) tahun 2015. Program (MDP) in 2015.
Meraih gelar Sarjana Ekonomi dari Universitas Tarumanagara Obtained Bachelor’s degree in Economics from Universitas
82 tahun 2014. Tarumanagara in 2014.
Ikhtisar Kinerja Wendy Widjaja
2024 Group Head Credit Card
Laporan
Warga Negara Indonesia, 55 tahun. Indonesian citizen, 55 years old.
Manajemen Bergabung di Bank Sinarmas sejak 2006. Sebelumnya berkarier Joined Bank Sinarmas in 2006. Previously had a career at Bank
di Bank Internasional Indonesia dengan posisi terakhir sebagai Internasional Indonesia with the last position as Head of ATM
PROFIL Kepala Bagian ATM Center. Center Department.
PERUSAHAAN
Meraih gelar Sarjana Manajemen Pemasaran dari Institut Bisnis Obtained Bachelor’s degree in Marketing Management from
Analisis dan Indonesia tahun 1992. Indonesian Institute of Business in 1992.
Pembahasan
Manajemen Wiryanto Wijaya
Group Head Procurement
Tinjauan
Pendukung Warga Negara Indonesia, 44 tahun. Indonesian citizen, 44 years old.
Bisnis Bergabung di Bank Sinarmas sejak August 2024. Sebelumnya Joined Bank Sinarmas in August 2024. Previously had a career at
berkarir di PT Berau Coal Energy (SinarMas Mining) sebagai PT Berau Coal Energy (SinarMas Mining) as Category Manager.
Tata Kelola Category Manager.
Perusahaan
Meraih gelar Sarjana Teknik dari Unversitas Katholik Atma Jaya Obtained Bachelor’s degree in Engineering from Universitas
Laporan tahun 2003. Katholik Atma Jaya in 2003.
Keberlanjutan
Yosua Jabby Setyobudhi
Group Head Artificial Intelligence & Decision Science
Warga Negara Indonesia, 41 tahun. Indonesian citizen, 41 years old.
Bergabung di Bank Sinarmas sejak 2020. Sebelumnya berkarier Joined Bank Sinarmas since 2020. Previously worked at PT
di PT Kredit Rating Indonesia sebagai Head Data Analytics. Kredit Rating Indonesia as Head of Data Analytics.
Meraih gelar Magister of Science dari The University of Western He earned a Master of Science degree from The University of
Ontario tahun 2008 dan Magister of Economics dari The Western Ontario in 2008 and a Master of Economics degree
University of Western Ontario tahun 2009. from The University of Western Ontario in 2009.
Yenni
Group Head Payment Transaction & Consumer Loan
Warga Negara Indonesia, 42 tahun. Indonesian citizen, 42 years old.
Bergabung di Bank Sinarmas sejak 2006. Sebelumnya Joined Bank Sinarmas since 2006. Previously worked at PT
berkarier di PT Bank OCBC NISP sebagai Branch Manager. Bank OCBC NISP as Branch Manager.
Meraih gelar Sarjana Agribisnis dari Institut Pertanian Bogor He earned a Bachelor’s degree in Agribusiness from Bogor
tahun 2005. Agricultural University in 2005.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 85
DEMOGRAFI KARYAWAN [OJK C.3][GRI 2-7][GRI 2-8]
Employee Demographic
Pada tahun 2024, karyawan Bank Sinarmas tercatat sebanyak In 2024, Bank Sinarmas’ employee was recorded at 6,387
6.387 orang, meningkat 12% dibanding tahun 2023. Berikut people, an increase of 12% compared to the 2023’s number.
komposisi karyawan Bank dalam 3 tahun terakhir. The composition of the Bank’s employees in the last three
years is as follows.
Komposisi Karyawan berdasarkan Jabatan
Employee Composition by Position
83
2024 2023 2022
Uraian
2024
Description Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah Performance
Male Female Total Male Female Total Male Female Total Highlights
Komisaris | Commissioner 2 1 3 2 1 3 2 1 3
Top Management 32 18 50 44 19 63 40 21 61 Management
Report
Middle Management 466 329 795 504 357 861 461 339 800
Firstline Management 760 788 1.548 780 892 1.672 747 852 1.599 COMPANY
PROFILE
Staf | Staff 1.123 1.338 2.461 1.338 1.544 2.882 1.390 1.566 2.956
Management
Non-Staf | Non-Staff 1.457 73 1.530 1.689 61 1.750 1.646 82 1.728
Discussion
and Analysis
Jumlah | Total 3.840 2.547 6.387 4.357 2.874 7.231 4.286 2.861 7.147
Business
Komposisi Karyawan berdasarkan Usia Support
Employee Composition by Age Overview
2024 2023 2022
Uraian Corporate
Description Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah Governance
Male Female Total Male Female Total Male Female Total
<20 tahun | <20 years old 7 6 13 12 7 19 6 4 10 Sustainability
Report
20-30 tahun | 20-30 years old 1.236 1.013 2.249 1.315 1.131 2.446 1.343 1.256 2.599
31-40 tahun | 31-40 years old 1.632 1.254 2.886 1.977 1.470 3.447 1.995 1.377 3.372
41-50 tahun | 41-50 years old 832 241 1.073 907 232 1.139 804 195 999
>50 tahun | >50 years old 133 33 166 146 34 180 138 29 167
Jumlah | Total 3.840 2.547 6.387 4.357 2.874 7.231 4.286 2.861 7.147
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 86
Komposisi Karyawan berdasarkan Tingkat Pendidikan
Employee Composition by Education Level
2024 2023 2022
Uraian
Description Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Pascasarjana | Postgraduate 121 64 185 133 71 204 125 69 194
Sarjana | Bachelor 2.073 2.176 4.249 2.351 2.446 4.797 2.316 2.378 4.694
Diploma | Diploma 204 232 436 212 294 506 232 320 552
SMA | High School 1.414 71 1.485 1.629 61 1.690 1.569 91 1.660
Lain-Lain | Others 28 4 32 32 2 34 44 3 47
Jumlah | Total 3840 2.547 6.387 4.357 2.874 7.231 4.286 2.861 7.147
84 Komposisi Karyawan berdasarkan Tingkat Ketenagakerjaan
Employee Composition by Employment Status
Ikhtisar Kinerja
2024
2024 2023 2022
Uraian
Laporan Description Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Manajemen Male Female Total Male Female Total Male Female Total
Tetap | Permanent 2.064 2.161 4.225 2.295 2.390 4.685 2.154 2.313 4.467
PROFIL
PERUSAHAAN Kontrak | Contract 334 313 647 389 423 812 504 466 970
Alih Daya | Outsourcing 1.442 73 1.515 1.673 61 1.734 1.628 82 1.710
Analisis dan
Pembahasan Jumlah | Total 3.840 2.547 6.387 4.357 2.874 7.231 4.286 2.861 7.147
Manajemen
Tinjauan Komposisi Karyawan berdasarkan Masa Kerja
Pendukung
Bisnis
Employee Composition by Length of Service
2024 2023 2022
Tata Kelola Uraian
Perusahaan Description Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Laporan 0-1 tahun | 0-1 year 1.331 710 2.041 1.359 867 2.226 1.389 802 2.191
Keberlanjutan
>1-3 tahun | >1-3 years 672 339 1.011 1.383 331 1.714 1.525 483 2.008
>3-5 tahun | >3-5 years 881 296 1.177 587 385 972 353 329 682
>5-10 tahun | >5-10 years 603 623 1.226 649 746 1.395 715 839 1.554
>10 - <20 tahun | >10 - <20 years 340 563 903 364 526 890 292 393 685
> 20 tahun | > 20 years 13 16 29 15 19 34 12 15 27
Jumlah | Total 3.840 2.547 6.387 4.357 2.874 7.231 4.286 2.861 7.147
Komposisi Karyawan berdasarkan Jenis Kelamin
Employee Composition by Gender
Uraian 2024 2023 2022
Description
Pria | Male 3.840 4.357 4.286
Wanita | Female 2.547 2.874 2.861
Jumlah | Total 6.387 7.231 7.147
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 87
Komposisi Berdasarkan Level Jabatan dan Jenis Kelamin [S-01]
Employee Composition by Position Level and Gender
Laki-Laki Perempuan
Level Jabatan Male Female
Position Level Jumlah Karyawan Persentase Jumlah Karyawan Persentase
Number of Employees Percentage Number of Employees Percentage
Entry-level 2.580 64,65% 1.411 35,35%
Mid-level 760 49,10% 788 50,90%
Senior-level 357 58,14% 257 41,86%
Executive-level 143 61,11% 91 38,89%
Total Pegawai 3.840 60,12% 2474 50,78%
Komposisi Berdasarkan Rentang Usia, Level Jabatan, dan Jenis Kelamin [S-02]
Employee Composition by Age Range, Position Level, and Gender
Level Jabatan
Rentang Position Level Jumlah 85
Usia (tahun) Pegawai
Entry-level Mid-level Senior-level Executive-level
Age Range Number of
(years) Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan Employees 2024
Male Female Male Female Male Female Male Female Performance
Highlights
18-25 256 206 24 24 0 0 0 0 510
>25-35 1.228 991 410 425 134 97 18 9 3.312
Management
>35-45 817 197 286 316 196 150 89 56 2.107 Report
>45-55 265 14 40 23 26 9 28 20 425
>55 14 3 0 0 1 1 8 6 33
COMPANY
PROFILE
Tingkat Pergantian Pegawai [S-03]
Employee Turnover Rate Management
Discussion
Jumlah Pegawai (dalam tahun pelaporan) Percentage Pegawai (dalam tahun pelaporan) and Analysis
Number of Employees (in the reporting year) Percentage Employees (in the reporting year)
Jumlah Pegawai resign/Pemutusan Hubungan
Kerja 1.328 Pegawai/ Employee Business
27,49%
Number of Employees resign / Termination of Support
Employment Overview
Jumlah Pegawai Baru/pengganti 1.377 Pegawai/ Employee 28,50%
Number of new employees/replacements
Corporate
Governance
Pegawai Sementara [S-04]
Temporary Employee Sustainability
Jumlah Pegawai (dalam tahun pelaporan) Percentage Pegawai (dalam tahun pelaporan) Report
Number of Employees (in the reporting year) Percentage Employees (in the reporting year)
Jumlah Pegawai perusahaan yang dipegang
oleh kontraktor dan/atau konsultan
1.515 Pegawai/Employee 32%
Number of company employees held by
contractors and/or consultants
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 88
STRUKTUR PEMEGANG SAHAM [OJK C.3][GRI 2-1]
Shareholders Structure
PEMEGANG SAHAM UTAMA DAN PENGENDALI MAJOR AND CONTROLLING SHAREHOLDERS
PT Sinarindo Gerbangmas Indra Widjaja
0,02% 99,98%
86
PT Sinar Mas Cakrawala Indra Widjaja Masyarakat | Public
Ikhtisar Kinerja
2024 52,51% 0,03% 47,46%
Laporan
Manajemen
PROFIL PT Sinar Mas Multiartha Tbk PT Shinta Utama Masyarakat | Public
PERUSAHAAN
59,99% 1,71% 38,30%
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
Tata Kelola
Perusahaan Pemegang Saham Utama dan Pengendali Bank Sinarmas The major and controlling shareholder of Bank Sinarmas is
adalah PT Sinar Mas Multiartha Tbk (SMMA). SMMA yang PT Sinar Mas Multiartha Tbk (SMMA). SMMA, which is part of
Laporan tergabung dalam Grup Sinar Mas, merupakan salah satu Sinar Mas Group, is one of the providers of integrated and
Keberlanjutan penyedia jasa keuangan terpadu dan komprehensif, meliputi comprehensive financial services, including multi finance,
multifinance, asuransi, pasar modal, jasa administrasi saham, insurance, capital markets, share administration services,
keamanan, perdagangan dan industri serta teknologi security, trading, and industry, as well as information
Informasi. technology.
Perusahaan ini didirikan pada 21 Oktober 1982 dengan nama The Company was established on October 21, 1982, under
PT Internas Arta Leasing Company dan telah mengalami 2 the name PT Internas Arta Leasing Company and has
(dua) kali perubahan nama menjadi PT Internas Arta Finance undergone two name changes, first to PT Internas Arta
Company pada 1 Mei 1989 dan PT Sinar Mas Multiartha Tbk Finance Company on May 1, 1989, and then to PT Sinar Mas
pada 25 Februari 1995. Multiartha Tbk on February 25, 1995.
Perlakuan yang Sama terhadap Seluruh Equal Treatment of All Shareholders
Pemegang Saham
Bank Sinarmas menjamin pemegang saham, baik mayoritas Bank Sinarmas ensures that shareholders, both majority and
maupun minoritas, memperoleh perlakukan yang sama minority, receive equal treatment regarding the disclosure/
terkait pengungkapan/keterbukaan informasi. Hal ini transparency of information. This is aimed at preventing the
ditujukan agar tidak terdapat informasi pihak dalam (inside existence of inside information that is only known by the
information) yang hanya diketahui oleh pemegang saham Bank’s major shareholders.
mayoritas Bank.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 89
Komposisi Pemegang Saham
Shareholders Composition
1 Januari 2024 31 Desember 2024
January 1, 2024 December 31, 2024
Nama
Pemegang Persentase
Persentase
Saham Jumlah Saham Kepemilikan Jumlah Saham
Kepemilikan (%)
Name of (Lembar Saham) Nilai Saham (Rp) (%) (Lembar Saham) Nilai Saham (Rp)
Ownership
Shareholder Total Shares Shares Value (Rp) Ownership Total Shares Shares Value (Rp)
Percentage
(Share) Percentage (Share)
(%)
(%)
Kepemilikan Saham >5%
Share Ownership below 5%
PT Sinar Mas
11.826.853.600 1.182.685.360.000 59,99 11.826.853.600 1.182.685.360.000 59,99
Multiartha Tbk
Kepemilikan Saham <5%
Share Ownership above 5%
PT Shinta Utama 577.504.296 57.750.429.600 2,93 337.924.345 33.792.434.500 1,71 87
Masyarakat
7.311.804.507 731.180.450.700 37,08 7.551.384.458 755.138.445.800 38,30
Public 2024
Performance
Jumlah
19.716.162.403 1.971.616.240.300 100 19.716.162.403 1.971.616.240.300 100 Highlights
Total
Management
Report
Kepemilikan Saham Berdasarkan Klasifikasi
Shareholders by Classification
COMPANY
1 Januari 2024 31 Desember 2024 PROFILE
January 1, 2024 December 31, 2024
Status Pemilik Jumlah Persentase Jumlah Persentase
Jumlah Saham Jumlah Saham Management
Status of Pemegang Kepemilikan (%) Pemegang Kepemilikan (%)
(Lembar Saham) (Lembar Saham) Discussion
Shareholders Saham Ownership Saham Ownership
Total Shares Total Shares and Analysis
Number of Percentage Number of Percentage
(Share) (Share)
Shareholders (%) Shareholders (%)
Lokal Business
Local Support
Overview
Individu
2144 958.571.372 4,86 2.355 1.094.282.869 5,55
Individual
Institusi Corporate
42 15.232.385.231 77,26 2.435 15.445.004.712 78,33 Governance
Institution
Asing
Foreign Sustainability
Individu Report
14 20.147.319 0,1 15 15.026.277 0,08
Individual
Institusi
21 3.505.058.481 17,78 22 3.161.848.545 16,04
Institution
Jumlah
2.221 19.716.162.403 100 4.827 19.716.162.403 100
Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 90
Kepemilikan Saham Dewan Komisaris dan Direksi Secara Langsung
Direct Share Ownership of the Board of Commissioners and Board of Directors
1 Januari 2024 31 Desember 2024
January 1, 2024 December 31, 2024
Nama Jabatan Jumlah Saham Persentase Jumlah Saham Persentase
Name Position (Lembar Kepemilikan (Lembar Kepemilikan
Saham) Ownership Saham) Ownership
Total Shares Percentage Total Shares Percentage
(Share) (%) (Share) (%)
Dewan Komisaris
Board of Commissioners
Komisaris Utama
Tjendrawati Widjaja - - - -
President Commissioner
Komisaris Independen
Sammy Kristamuljana - - - -
Independent Commissioner
Komisaris Independen
Rusmin - - - -
Independent Commissioner
88 Direksi
Board of Directors
Ikhtisar Kinerja Direktur Utama
Frenky Tirtowijoyo - - - -
2024 President Director
Direktur
Miko Andidjaja - - - -
Laporan Director
Manajemen Direktur
Ekajaya Ongny Putra - - - -
Director
PROFIL Direktur
PERUSAHAAN Enny Kamal 1.795.332 0,0091 1.683.501 0,0085
Director
Direktur
Analisis dan Sendy - - - -
Director
Pembahasan
Manajemen Direktur
Amandalia Johanes - - - -
Director
Tinjauan
Pendukung
Bisnis
Kepemilikan Saham Dewan Komisaris dan Indirect Share Ownership of the Board of
Direksi Secara Tidak Langsung Commissioners and Board of Directors
Tata Kelola Seluruh anggota Dewan Komisaris dan Direksi tidak memiliki All members of the Board of Commissioners and Board of
Perusahaan kepemilikan tidak langsung atas saham Bank Sinarmas. Directors do not have indirect ownership of the shares of
Bank Sinarmas.
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 91
ENTITAS ANAK DAN ASOSIASI
Subsidiaries and Associates
Entitas Anak Subsidiary
ENTITAS ANAK
Subsidiary
Nama Perusahaan Kepemilikan
Company Name Ownership
PT Bank Nano Syariah PT. Bank Sinarmas Tbk. 51% 89
PT Sinar Mas Multiartha Tbk 25%
PT Asuransi Sinarmas 24% 2024
Bidang Usaha
Performance
Business Field
Highlights
24%
Perbankan Syariah
Sharia Banking 51%
Management
Report
Jenis Badan Hukum
Types of Legal Entity COMPANY
25%
PROFILE
Perseroan Terbatas (PT)
Limited Liability Alamat Kantor Pusat
Company (PT) Head Office Address Management
Discussion
Jl. Teuku Cik Ditiro Nomor 29, RT.010, and Analysis
RW.005, Kelurahan Menteng, Kecamatan
Total Aset 2024
Total Assets in 2024 Menteng, Kota Administrasi Jakarta Pusat
Status Operasi
Operating Status
Business
Jl. Teuku Cik Ditiro Nomor 29, RT.010, Support
Rp
Beroperasi 9,692,526,263,225 RW.005, Menteng Sub-district, Menteng Overview
Operating District, Administrative City of Central
Jakarta
Corporate
Governance
Sustainability
Report
Entitas Asosiasi Associates
Hingga akhir tahun buku 2024, Bank Sinarmas tidak memiliki Until the end of the 2024 financial year, Bank Sinarmas did
entitas asosiasi. not have any associates.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 92
KRONOLOGI PENCATATAN SAHAM
Chronology of Share Listing
Jumlah Saham Jumlah Saham
Nilai
Diterbitkan Harga Beredar
Nominal Jumlah Modal
Tahun Aksi Korporasi (Lembar Saham) Penawaran (Lembar Saham)
Nominal Disetor (Rp)
Year Corporate Action Total Issued Offering Price Total Outstanding
Value Total Paid-up Capital (Rp)
Shares (Rp) Shares
(Rp)
(Share) (Share)
Saham Pendiri
2010 5.680.500.000 - - 5.680.500.000 568.050.000.000
Founders’ Shares
90 Penawaran Umum
2010 Perdana 1.600.000.000 100 150 7.280.500.000 728.050.000.000
Ikhtisar Kinerja Initial Public Offering
2024
Hasil Pelaksanaan
Waran Seri I
2011 1.798.369.400 100 - 9.078.869.400 907.886.940.000
Laporan Results of Exercise of
Manajemen Series I Warrant
Penawaran Umum
PROFIL Terbatas I
2012 1.203.186.138 100 250 10.282.055.538 1.028.205.553.800
PERUSAHAAN Limited Public Offering
I
Analisis dan Hasil Pelaksanaan
Pembahasan Waran Seri I
2012 1.780.700 100 - 10.283.836.238 1.028.383.623.800
Manajemen Resuts of Exercise of
Series I Warrant
Tinjauan Hasil Pelaksanaan
Pendukung Waran Seri I
2013 7.569.399 100 - 10.291.405.637 1.029.140.563.700
Bisnis Resuts of Exercise of
Series I Warrant
Tata Kelola Hasil Pelaksanaan
Perusahaan Waran Seri II
2013 2.825.475.861 100 - 13.116.881.498 1.311.688.149.800
Resuts of Exercise of
Series II Warrant
Laporan
Keberlanjutan Penambahan Modal
Tanpa Hak Memesan
Efek Terlebih Dahulu
2014 (PMTHMETD) 896.535.414 100 270 14.013.416.912 1.401.341.691.200
Capital Increases
Without Pre-Emptive
Rights
Hasil Pelaksanaan
Waran Seri I
2014 19.075.400 100 - 14.032.492.312 1.403.249.231.200
Resuts of Exercise of
Series I Warrant
Hasil Pelaksanaan
Waran Seri II
2014 7.676.037 100 - 14.040.168.349 1.404.016.834.900
Resuts of Exercise of
Series II Warrant
Hasil Pelaksanaan
Waran Seri I
2015 89.744.803 100 - 14.129.913.152 1.412.991.315.200
Resuts of Exercise of
Series I Warrant
Hasil Pelaksanaan
Waran Seri II
2015 22.086.577 100 - 14.151.999.729 1.415.199.972.900
Resuts of Exercise of
Series II Warrant
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 93
Jumlah Saham Jumlah Saham
Nilai
Diterbitkan Harga Beredar
Nominal Jumlah Modal
Tahun Aksi Korporasi (Lembar Saham) Penawaran (Lembar Saham)
Nominal Disetor (Rp)
Year Corporate Action Total Issued Offering Price Total Outstanding
Value Total Paid-up Capital (Rp)
Shares (Rp) Shares
(Rp)
(Share) (Share)
Penawaran Umum
Terbatas II
2016 1.089.274.037 100 400 15.241.273.766 1.524.127.376.600
Limited Public Offering
II
Hasil Pelaksanaan
Waran Seri II
2016 10.400.570 100 - 15.251.674.336 1.525.167.433.600
Resuts of Exercise of
Series II Warrant
Hasil Pelaksanaan
Waran Seri III
2016 30.000 100 - 15.251.704.336 1.525.170.433.600
Resuts of Exercise of
Series III Warrant
2017
Hasil Pelaksanaan
Waran Seri II
128.423.462 100 - 15.380.127.798 1.538.012.779.800
91
Resuts of Exercise of
Series II Warrant 2024
Hasil Pelaksanaan Performance
Waran Seri III Highlights
2017 1.675.268 100 - 15.381.803.066 1.538.180.306.600
Resuts of Exercise of
Series III Warrant
Management
Hasil Pelaksanaan Report
Waran Seri III
2018 140 100 - 15.381.803.206 1.538.180.320.600
Resuts of Exercise of
Series III Warrant
COMPANY
Hasil Pelaksanaan PROFILE
Waran Seri III
2019 1.600.000.000 100 - 16.981.803.206 1.698.180.320.600
Resuts of Exercise of
Series III Warrant Management
Discussion
Hasil Pelaksanaan
and Analysis
Waran Seri III
2020 480.000.100 100 - 17.461.803.306 1.746.180.330.600
Resuts of Exercise of
Series III Warrant
Business
Hasil Pelaksanaan Support
Waran Seri III Overview
2021 2.254.359.097 100 - 19.716.162.403 1.971.616.240.300
Resuts of Exercise of
Series III Warrant
Corporate
Governance
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 94
KRONOLOGI PENCATATAN EFEK
LAINNYA
Chronology of Other Securities Listing
Pada tanggal 29 Juni 2022, Bank Sinarmas memperoleh On June 29, 2022, Bank Sinarmas obtained an Effective
Pernyataan Efektif dari Otoritas Jasa Keuangan melalui Surat Statement from the Financial Services Authority through
No.S-107/D.04/2022 untuk melaksanakan Penawaran Umum Letter No. S-107/D.04/2022 to carry out Public Offering of
Obligasi Subordinasi Berkelanjutan I Bank Sinarmas Tahap Bank Sinarmas Subordinated Bonds I Phase I Year 2022
I Tahun 2022 dengan jumlah pokok obligasi sebanyak- with a principal amount of up to Rp3,000,000,000,000. This
banyaknya Rp3.000.000.000.000,-. Aksi korporasi tersebut corporate action is implemented for five years, with an order
92 dilaksanakan dalam jangka waktu 5 tahun, dengan realisasi
pemesanan sebesar Rp500.000.000.000, tingkat bunga
for the realization of Rp500,000,000,000, a fixed interest
rate of 6.50% per annum, and involves PT BPD Jawa Barat
Ikhtisar Kinerja
tetap sebesar 6,50% per tahun, serta melibatkan PT BPD and Banten Tbk. as the trustee.
2024 Jawa Barat dan Banten Tbk sebagai wali amanat.
Laporan
Manajemen Tanggal Tingkat
Tanggal Lembaga
Nama Obligasi Penerbitan Nilai Penawaran Bunga Peringkat Bursa Saham
Jatuh Tempo Pemeringkat
Name of Bonds Issuance Offering Value Interest Rating Stock Exchange
PROFIL Maturity Date Rating Agency
Date Rate
PERUSAHAAN
Analisis dan Obligasi
Pembahasan Subordinasi
Manajemen Berkelanjutan I
Bank Sinarmas 29 Juni Bursa Efek
Tahap I Tahun 2022 8 Juli 2027 Ir A PT Kredit Rating Indonesia
Tinjauan 500.000.000.000 6,50%
2022 June 29, July 8, 2027 (Single A) Indonesia Indonesia Stock
Pendukung
Bank Sinarmas 2022 Exchange
Bisnis
Subordinated
Bonds I Phase I
Tata Kelola Year 2022
Perusahaan
Laporan
Keberlanjutan Bunga Obligasi Subordinasi dibayarkan setiap 3 bulan sejak Interest on Subordinated Bonds is paid every three months
tanggal emisi, di mana pembayaran bunga pertama telah from the issuance date, with the first interest payment made
dilaksanakan pada tanggal 10 Oktober 2022 dan jatuh on October 10, 2022, and maturity on July 8, 2027. The details
tempo pada tanggal 8 Juli 2027. Berikut rincian pembayaran of the interest principal payments for each Subordinated
pokok bunga untuk masing-masing Obligasi Subordinasi. Bond are as follows.
Tanggal Pembayaran Bunga Obligasi
Bunga ke – Bunga (%) Status Pembayaran
Subordinasi
Interest Payment Interest (%) Payment Status
Subordinated Bond Interest Payment Date
1 10 Oktober 2022 | October 10, 2022 6,5 Lunas | Settled
2 17 Januari 2023 | January 17, 2023 6,5 Lunas | Settled
3 8 April 2023 | April 8, 2023 6,5 Lunas | Settled
4 8 Juli 2023 | July 8, 2023 6,5 Lunas | Settled
5 8 Oktober 2023 | October 8, 2023 6,5 Lunas | Settled
6 8 Januari 2024 | January 8, 2024 6,5 Lunas | Settled
7 8 April 2024 | April 8, 2024 6,5 Lunas | Settled
8 8 Juli 2024 | July 8, 2024 6,5 Lunas | Settled
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 95
Tanggal Pembayaran Bunga Obligasi
Bunga ke – Bunga (%) Status Pembayaran
Subordinasi
Interest Payment Interest (%) Payment Status
Subordinated Bond Interest Payment Date
9 8 Oktober 2024 | October 8, 2024 6,5 Lunas | Settled
10 8 Januari 2025 | January 8, 2025 6,5 Lunas | Settled
11 8 April 2025 | April 8, 2025 6,5 Lunas | Settled
12 8 Juli 2025 | July 8, 2025 6,5 Belum Lunas | Outstanding
13 8 Oktober 2025 | October 8, 2025 6,5 Belum Lunas | Outstanding
14 8 Januari 2026 | January 8, 2026 6,5 Belum Lunas | Outstanding
15 8 April 2026 | April 8, 2026 6,5 Belum Lunas | Outstanding
16 8 Juli 2026 | July 8, 2026 6,5 Belum Lunas | Outstanding
17 8 Oktober 2026 | October 8, 2026 6,5 Belum Lunas | Outstanding
18 8 Januari 2027 | January 8, 2027 6,5 Belum Lunas | Outstanding
93
19 8 April 2027 | April 8, 2027 6,5 Belum Lunas | Outstanding 2024
Performance
20 8 Juli 2027 | July 8, 2027 6,5 Belum Lunas | Outstanding Highlights
Dana yang diperoleh dari hasil penerbitan obligasi The proceeds obtained from the issuance of bonds are Management
seluruhnya digunakan untuk memperkuat permodalan entirely used to strengthen the Bank’s capital after deducting Report
Bank setelah dikurangi dengan biaya-biaya emisi terkait. related issuance costs. The proceeds from the issuance of
Dana hasil penerbitan obligasi kemudian dihitung sebagai bonds are then calculated as supplementary capital (tier 2) to COMPANY
modal pelengkap (tier 2) dalam rangka mendukung rencana support extending credit plans with longer tenors. PROFILE
penyaluran kredit dengan tenor yang lebih panjang.
Management
Discussion
and Analysis
KANTOR AKUNTAN PUBLIK Business
Support
Public Accounting Firm Overview
Corporate
Governance
Nama Kantor Akuntan Publik (KAP) Mirawati Sensi Idris
Name of Public Accounting Firm (KAP) Sustainability
Alamat EightyEight@Kasablanka Office, Lt. 20 Report
Address Jl. Casablanca, Kav. 28, Menteng Dalam, Tebet Jakarta Selatan
12870, Indonesia
EightyEight@Kasablanka Office, Lt. 20
Jl. Casablanca, Kav. 28, Menteng Dalam, Tebet, South Jakarta
12870, Indonesia
Nama Akuntan Publik (AP) Denny Susanto
Name of Public Accountant (AP)
Periode Penugasan KAP & AP Tahun Buku 2024
Assignment Period of KAP & AP 2024 Fiscal Year
Jasa Audit Audit Laporan Keuangan
Audit Service Audit of Financial Statements
Jasa Non-Audit -
Non-Audit Service
Fee Audit < 100.000.000 – 1.000.000.000
Audit Fee
Fee Non-Audit -
Non-Audit Fee
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 96
LEMBAGA DAN PROFESI
PENUNJANG PERUSAHAAN
Supporting Institutions and Professions
for Companies
Lembaga/Profesi
Penunjang Lembaga Pemeringkat Kustodian
Supporting Institution/ Rating Agency Custodian
Professional
Nama PT Fitch Rating Indonesia PT Kredit Rating Indonesia PT Kustodian Sentral Efek
Name Indonesia
Alamat DBS Bank Tower, Lt. 24, Suite Sinarmas Land Plaza, Tower 3, Lt. Gedung Bursa Efek Indonesia,
94 Address 2403 Jl. Prof. Dr. Satrio Kav. 3-5
Jakarta 12940
11 Jl. MH Thamrin No. 51 Kav. 22
Jakarta Pusat 10350
Tower I, Lt. 5 Jl. Jend. Sudirman
Kav. 52-53 Jakarta 12190
T: +62 21 2988 6800 T: +62 21 3983 4411 T: +62 21 515 2855
Ikhtisar Kinerja F: +62 21 2988 6822 Sinarmas Land Plaza, Tower 3, Gedung Bursa Efek Indonesia,
2024 DBS Bank Tower, 24th Floor, Suite 11th Floor Jl. MH Thamrin No. 51 Tower I, 5th Floor Jl. Jend.
2403 Jl. Prof. Dr. Satrio Kav. 3-5 Kav. 22, Central Jakarta 10350 Sudirman Kav. 52-53 Jakarta
Jakarta 12940 Phone: +62 21 3983 4411 12190
Laporan Phone: +62 21 2988 6800 Phone: +62 21 515 2855
Manajemen Facsimile: +62 21 2988 6822
Jasa yang Diberikan Pemeringkat kredit Bank. Pemeringkat obligasi yang Administrasi rekening efek,
PROFIL Services Provided The Bank’s Credit Rating diterbitkan Bank. penyelesaian transaksi efek,
PERUSAHAAN Rating of bonds issued by the distribusi hasil aksi korporasi,
Bank. dan jasa-jasa terkait lainnya.
Analisis dan Administration of securities
Pembahasan accounts, settlement of
Manajemen securities transactions,
distribution of corporate action
proceeds, and other related
Tinjauan services.
Pendukung
Bisnis Periode Tahun Buku 2024
Period 2024 Fiscal Year
Tata Kelola
Perusahaan
Lembaga/Profesi
Laporan Penunjang Biro Administrasi Efek Notaris Wali Amanat
Keberlanjutan Supporting Institution/ Securities Administration Bureau Notary Trustee
Professional
Nama PT Sinartama Gunita Aulia Taufani, SH PT Bank Pembangunan Daerah
Name Jawa Barat dan Banten Tbk
Alamat Menara Tekno, Lt. 7 Jl. Fachrudin Menara Sudirman, Lt. 17D Jl. Sinarmas MSIG Tower
Address No. 19 Jakarta 10250 Sudirman, Kav. 60 Jakarta Jl. Jend. Sudiran, Kav. 21 Kel.
T: +62 21 392 2332 Selatan 12190 Karet, Kec. Setiabudi Jakarta
Menara Tekno, 7th Floor Jl. T: +62 21 5289 2366 Selatan 12920
Fachrudin No. 19 Jakarta 10250 Menara Sudirman, 17D Floor Jl. T: +62 21 522 8737 ext. 104
Phone: +62 21 392 2332 Sudirman, Kav. 60 South Jakarta F: +62 21 522 8738
12190 Sinarmas MSIG Tower
Phone: +62 21 5289 2366 Jl. Jend. Sudiran, Kav. 21 Karet
Sub-district, Setiabudi District,
South Jakarta 12920
Phone: +62 21 522 8737 ext. 104
Facsimile: +62 21 522 8738
Jasa yang Diberikan Administrasi pencatatan dan Pembuatan akta-akta Bank. Perwakilan Pemegang Obligasi.
Services Provided perdagangan saham Bank. Preparing the Bank’s deeds. Bondholder Representative.
Administration of recording and
trading of Bank shares.
Periode Tahun Buku 2024
Period 2024 Fiscal Year
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 97
INFORMASI SITUS WEB PERUSAHAAN
Company Website
Informasi
Link
Information
Profil Perusahaan https:/www.banksinarmas.com/id/informasiumum/tentangkami/
Company Profile profil-bank-sinarmas
Informasi Umum: Nama, Alamat, Kontak Kantor Pusat, Perwakilan https:/www.banksinarmas.com/id/informasiumum/tentangkami/
General Information: Name, Address, Head Office Contact, profil-bank-sinarmas
Representative
Riwayat Singkat https:/www.banksinarmas.com/id/informasiumum/tentangkami/ 95
Brief Profile profil-bank-sinarmas
Struktur Organisasi https:/www.banksinarmas.com/id/informasiumum/tentangkami/ 2024
Organizational Structure struktur-organisasi Performance
Highlights
Struktur Kepemilikan https:/www.banksinarmas.com/id/informasiumum/
Ownership Structure hubunganinvestor/struktur-kepemilikan-saham-dan- informasi-
saham
Management
Struktur Grup - Report
Group Structure
Informasi bagi Investor https:/www.banksinarmas.com/id/informasiumum/
Information for Investors hubunganinvestor COMPANY
PROFILE
Prospektus Penawaran Umum https:/www.banksinarmas.com/id/informasiumum/
Prospectus of Public Offering hubunganinvestor/prospektus
Laporan Tahunan selama 5 Tahun https:/www.banksinarmas.com/id/informasiumum/ Management
Annual Report (5 Years) hubunganinvestor/laporan-tahunan Discussion
and Analysis
Kode Etik https:/www.banksinarmas.com/id/informasiumum/tatakelola/
Code of Ethics terkait-etik-pedoman
Profil Dewan Komisaris https:/www.banksinarmas.com/id/informasiumum/tentangkami/ Business
Profile of the Board of Commissioners managemen-bank-sinarmas Support
Overview
Profil Direksi https:/www.banksinarmas.com/id/informasiumum/tentangkami/
Profile of the Board of Directors managemen-bank-sinarmas
Kinerja https:/www.banksinarmas.com/id/informasiumum/ Corporate
Performance hubunganinvestor Governance
Laporan Keuangan Tahunan Terpisah https:/www.banksinarmas.com/id/informasiumum/
Separate Annual Financial Statements hubunganinvestor/publikasi-keuangan Sustainability
Tata Kelola Perusahaan https:/www.banksinarmas.com/id/informasiumum/tatakelola Report
Corporate Governance
Piagam Dewan Komisaris https:/www.banksinarmas.com/id/informasiumum/ tatakelola/pdf-
Board of Commissioners Charter pedoman-dewan-komisaris
Piagam Direksi https:/www.banksinarmas.com/id/informasiumum/ tatakelola/pdf-
Board of Directors Charter pedoman-direksi
Piagam Komite Audit https:/www.banksinarmas.com/id/informasiumum/ tatakelola/
Audit Committee Charter piagam-komite-audit2
Piagam Komite Nominasi dan Remunerasi https://www.banksinarmas.com/id/informasiumum/tatakelola/
Nomination and Remuneration Committee Charter piagam-komite-renumerasi-dan-nominasi
Piagam Audit Internal https:/www.banksinarmas.com/id/informasiumum/ tatakelola /
Internal Audit Charter piagam-audit-intern
Tanggung Jawab Sosial Perusahaan https:/www.banksinarmas.com/id/informasiumum/
Corporate Social Responsibility corporatesecretary/tanggung-jawab-sosial-perusahaan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 98
NAMA DAN ALAMAT KANTOR
CABANG, KANTOR CABANG
PEMBANTU, KANTOR FUNGSIONAL
OPERASIONAL, KANTOR FUNGSIONAL
UMK
Name and Address of Branch Offices, Sub-Branch
Offices, Functional Offices and Functional Offices for
SMEs
96
Ikhtisar Kinerja
2024 SUMATERA UTARA
NORTH SUMATERA
Laporan Kantor Cabang
Manajemen Branch Offices
Medan - Mangkubumi Rantau Prapat - Sisingamangaraja Pematang Siantar - HOS Cokroaminoto
PROFIL Jl. Mangkubumi No. 18 Kel. Awur, Jl. Sisingamangaraja, Kel. Bakaran Batu, Jl. HOS Cokroaminoto No. 21 RT. 003
PERUSAHAAN Kec. Medan Maimun, Kota Medan, Kec. Rantau Selatan, Kab. Labuhan Batu, RW. 004, Kel. Melayu, Kec. Siantar Utara,
Sumatera Utara 20151 Sumatera Utara 21421 Kota Pematang Siantar,
Analisis dan T: +62 61 4578 182 T: +62 624 327 377 Sumatera Utara 21144
Pembahasan F: +62 61 4578 177 F: +62 624 327 689 T: +62 622 434 991
Manajemen F: +62 622 434 973
Padang Sidempuan - Merdeka
Tinjauan Komp. Citiwalk Sidempuan Blok C
Pendukung No. 10 Jl. Merdeka, Kel. Kantin, Kec. Padang
Bisnis Sidempuan Utara, Kota Padang Sidempuan,
Sumatera Utara 22711
T: +62 634 23234
Tata Kelola F: +62 634 27053
Perusahaan
Kantor Cabang Pembantu
Sub-Branch Offices
Laporan
Keberlanjutan Gunung Krakatau - Medan Asia - Medan Letda Sudjono - Medan
Jl. Gunung Krakatau No. 46 B Kel. Glugur Jl. Asia No. 214 C, Kel. Sei Rengas II, Jl. Letda Sudjono No. 252, Kel. Medan
Darat I, Kec. Medan Timur, Kota Medan, Kec. Medan Area, Kota Medan, Estate, Kec. Percut Sei Tuan, Kab. Deli
Sumatera Utara 20236 Sumatera Utara 20214 Serdang, Sumatera Utara 20371
T: +62 61 6643 687 T: +62 61 7321 822 T: +62 61 7354 106
F: +62 61 6641 158 F: +62 61 7321 816 F: +62 61 7354 116
Diski - Deli Serdang Kisaran - Asahan Kapt. F. Tendean - Tebing Tinggi
Jl. Medan Binjai KM 11,2 No. 62 E, Kel. Jl. HOS Cokroaminoto No. 72C, Kel. Kisaran Jl. Kapt. F. Tendean No. 155 D/4, Kel.
Mulyorejo, Kec. Sunggal, Kab. Deli Serdang, Kota, Kec. Kota Kisaran Barat, Kab. Asahan, Bajenis, Kec. Bandar Sakti, Kota Tebing
Sumatera Utara 20351 Sumatera Utara 21215 Tinggi, Sumatera Utara 20614
T: +62 61 8454 849 T: +62 623 345 052 T: +62 621 3950 039
F: +62 61 8454 815 F: +62 623 345 644 F: +62 621 3950 040
Pasar Baru - Sibolga Sisingamangaraja - Medan M. Yamin - Medan
Jl. Mesjid No. 57, Kel. Pasar Baru, Gedung Asuransi Sinarmas Gedung KBRU Jl. Prof. HM Yamin No. 36
Kec. Sibolga Kota, Kota Sibolga, Jl. Sisingamangaraja No. 1 KM 6,7 A, Kel. Sidodadi, Kec. Medan Timur, Kota
Sumatera Utara 22513 (simpang marendal), Kel. Harjosari, Medan, Sumatera Utara 20234
T: +62 631 21880 Kec. Medan Amplas, Kota Medan, T: +62 61 8881 2990
F: +62 631 21558 Sumatera Utara 20147 F: +62 61 8881 2293
T: +62 61 7874 222
F: +62 61 7874 229
Imam Bonjol - Labuhan Batu
Jl. Imam Bonjol No. 4C, Kel. Cendana,
Kec. Rantau Utara, Kab. Labuhan Batu,
Sumatera Utara 21417
T: +62 624 325 853
F: +62 624 327 747
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Page 99
SUMATERA BARAT
WEST SUMATERA
Kantor Cabang dan Kantor Cabang Pembantu
Branch Offices and Sub-Branch Offices
KC Padang - Damar KCP Sutomo - Padang KCP Ahmad Karim - Bukittinggi
Jl. Damar No. 67A RT. 001 RW. 004, Jl. Dr Sutomo No. 80 D, Kel. Kubu Jl. Ahmad Karim No. 18C RT. 002 RW. 002,
Kel. Olo Ladang Padang Barat, Kec. Padang Marapalam, Kec. Padang Timur, Kel. Benteng Pasar Atas, Kec. Guguak
Barat, Kota Padang, Sumatera Barat 25116 Kota Padang, Sumatera Barat 25125 Panjang, Kota Bukittinggi, Sumatera Barat
T: +62 751 811 938 T: +62 751 891 801 / 802 26113
F: +62 751 811 936 F: +62 751 891 803 T: +62 752 626 529
F: +62 752 626 528
KF-UMK A Yani – Payakumbuh
Jl. A Yani, Kel. Nunang, Kec. Payakumbuh
Barat, Kota Payakumbuh, Sumatera Barat
26221
T:-
F:-
97
RIAU
2024
Kantor Cabang Performance
Branch Offices Highlights
Pekanbaru - Riau Dumai - Sudirman
Jl. Riau No. 105 RT. 003 RW. 005, Kel. Padang Terubuk, Kec. Jl. Jenderal Sudirman No. 250, Kel. Teluk Binjai, Kec. Dumai, Kota
Management
Senapelan, Kota Pekanbaru, Riau 28155 Dumai, Riau 28811
Report
T: +62 761 33888 T: +62 765 35870
F: +62 761 33839 F: +62 765 35872
COMPANY
PROFILE
Kantor Cabang Pembantu
Sub-Branch Offices
Belilas - Indragiri Hulu Perawang - Siak Duri - Bengkalis Management
Jl. Lintas Timur RT. 018 RW. 005 Simpang Jl. Raya Minas-Perawang KM 26, Jl. Jend. Sudirman No. 446 C Duri, Discussion
Belilas, Kel. Pangkalan Kasai, Kec. Seberida, Komp. IKPP Perawang, Desa/Kel. Pinang Kel. Air Jamban, Kec. Mandau, and Analysis
Kab. Indragiri Hulu, Riau 29371 Sebatang, Kec. Tualang, Kab. Siak, Kab. Bengkalis, Riau 28784
T: +62 769 324 186 Riau 28772 T: +62 765 594 383
F: +62 769 324 143 T: +62 761 92420 F: +62 765 594 380 Business
F: +62 761 92429 Support
Sudirman - Pekanbaru Tuanku Tambusai - Pekanbaru Soekarno Hatta - Kampar Overview
Gallery Smartfren Pekanbaru Jl. Sudirman Jl. Tuanku Tambusai No. 223D RT. 001 KUD Berkat Ridho Jl. Soekarno Hatta SP-2
No. 444, Kel. Tanah Datar, Kec. Pekanbaru RW. 003, Kel. Wonorejo, Kec. Marpoyan RT. 005 RW. 002, Desa/Kel. Petapaha, Kec.
Kota, Kota Pekanbaru, Riau 28115 Damai, Kota Pekanbaru, Riau 28125 Tanpung Hilir, Kab. Kampar, Riau 28464 Corporate
T: +62 761 848 789 T: +62 761 7866 060 T : 08117577660 Governance
F: +62 761 7894 180 F: +62 761 7866 161 F:-
Sustainability
Report
KEPULAUAN RIAU
Kantor Cabang dan Kantor Cabang Pembantu
Branch Offices and Sub-Branch Offices
KC Batam - Nagoya Hill KC Tanjung Pinang - Engku Putri KCP Hang Jebat - Bintan
Komp. Ruko Nagoya Hill Blok P No. 12 A & Jl. Engku Putri No. 41 RT. 001 RW. 012, Kel. Jl. Hang Jebat RT. 008 RW. 005, Kel.
B, Kel. Lubuk Baja, Kec. Lubuk Baja, Kota Tanjung Ayun Sakti, Kec. Bukit Bestari, Kota Kijang Kota, Kec. Bintan Timur, Kab. Bintan,
Batam, Kepulauan Riau 29432 Tanjung Pinang, Kepulauan Riau 29122 Kepulauan Riau 29151
T: +62 778 7493 708 T: +62 771 314 888 T: +62 771 61072
F: +62 778 7493 527 F: +62 771 22733 F: +62 771 61074
KCP Batam Center - Batam KCP DI Panjaitan - Tanjung Pinang
Komp. Ruko Raflesia Business Centre Blok Jl. DI Panjaitan No. 3 RT. 003 RW. 002,
F No. 1 Batam Centre – Batam, Kel. Sungai Kel. Batu Sembilan, Kec. Tanjung Pinang
Panas, Kec. Batam Kota, Kota Batam, Timur, Kota Tanjung Pinang, Kepulauan
Kepulauan Riau 29432 Riau 29125
T: +62 778 468 841 T: +62 771 7335 235
F: +62 778 7493 527 F: +62 771 7335 237
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 100
JAMBI
Kantor Cabang dan Kantor Cabang Pembantu
Branch Offices and Sub-Branch Offices
KC Jambi - Hayam Wuruk KCP Tungkal Ulu - Tanjung Jabung Barat KCP M.Yamin - Muara Bungo
Jl. Hayam Wuruk No. 146-147 RT. 009 RW. Jl. Besar Perkantoran PT. LPPPI Desa/Kel. Jl. M Yamin No. 32, Kel. Bungo Barat, Kec.
000, Kel. Talang Jauh, Kec. Jelutung, Kota Tebing Tinggi, Kec. Tebing Tinggi, Kab. Pasar Muara Bungo, Kab. Bungo, Jambi
Jambi, Jambi 36133 Tanjung Jabung Barat, Jambi 36556 37215
T: +62 741 7554 988 T: +62 742 552 100 T: +62 747 321 788
F: +62 741 7554 889 F: +62 742 552 112 F: +62 747 321 399
KCP Selincah - Jambi KCP Pattimura - Jambi KCP Lintas Sumatera - Sarolangun
Jl. Sentot Alibasa RT. 015 RW. 005, Kel. Jl. Pattimura No. 43, Kel. Rawasari, Kec. Jl. Lintas Sumatera KM 1 No. 05-06 RT. 001,
Payo Selincah, Kec. Jambi Timur, Kota Alam Barajo, Kota Jambi, Jambi 36126 Kel. Aur Gading, Kec. Sarolangun, Kab.
Jambi, Jambi 36148 T: +62 741 65017 Sarolangun, Jambi 37481
T: +62 741 5918 486 F: +62 741 669671 T: +62 745 91322
F: +62 741 5918 386 F: +62 745 91321
KCP Simpang Rimbo - Jambi
Jl. Pattimura RT. 042 RW. 000 Simpang
Rimbo, Kel. Kenali Besar, Kec. Alam Barajo,
98 Kota Jambi, Jambi 36129
T : +62 741 5910 908
F:-
Ikhtisar Kinerja
2024
Laporan SUMATERA SELATAN
Manajemen SOUTH SUMATERA
Kantor Cabang
PROFIL Branch Offices
PERUSAHAAN
Palembang - Basuki Rahmat
Jl. Basuki Rahmat No. 776, Kel. Ario Kemuning,
Analisis dan Kec. Kemuning, Kota Palembang,
Pembahasan Sumatera Selatan 30128
Manajemen T: +62 711 371 334
F: +62 711 410 306
Tinjauan
Pendukung Kantor Cabang Pembantu
Bisnis Sub-Branch Offices
Sudirman - Palembang Marga Rahayu - Lubuk Linggau Letkol Iskandar - Palembang
Tata Kelola Jl. Sudirman KM 35 RT. 013 RW. 005 No. Jl. Sultan Mahmud Badaruddin II No. 12, Kel. Kompleks Ilir Barat Permai Blok D1 No. 21
Perusahaan 2937 I/J Kel. Dua Puluh Ilir dIII, Kec. Iti Marga Rahayu, Kec. Lubuk Lingau Selatan Jl. Letkol Iskandar Palembang, Kel. 24 ilir,
Palembang, Kota Palembang, Sumatera II, Kota Lubuk Linggau, Sumatera Selatan Kec. Bukit Kecil, Kota Palembang, Sumatera
Selatan 30129 31627 Selatan 30134
Laporan T: +62 711 316 534 T: +62 733 452 515 T: +62 711 316 336
Keberlanjutan F: +62 711 320 893 F: +62 733 452 122 F: +62 711 316 380
Sudirman - Prabumulih Mayor Ruslan - Lahat A.Yani - Baturaja OKU
Jl. Jend. Sudirman No. 70-71 RT. 003 RW. Jl. Mayor Ruslan III No. 092 RT. 001 RW. Jl. Jend. A Yani RT. 034 RW. 010, Kel.
010, Kel. Muara Dua, Kec. Prabumulih Timur, 004, Kel. Pasar Lama, Kec. Lahat, Kab. Baturaja Lama, Kec. Baturaja Timur, Kab.
Kota Prabumulih, Sumatera Selatan 31114 Lahat, Sumatera Selatan 31413 Ogan Komering Ulu, Sumatera Selatan
T: +62 713 320 410 T: +62 731 321 827 32111
F: +62 713 320 401 F: +62 731 321 921 T: +62 735 323 736 / 731
F: +62 735 322 941
PT. OPP Mills - OKI Yos Sudarso - Lubuk Linggau KM 11 - Palembang
PT. Oki Pulp & Paper Mills Desa/Kel. Jl. Yos Sudarso No. 66A, Kel. Jawa Kiri Jl. Raya Palembang-Betung 1261 RT. 016
Bukit Batu, Kec. Air Sugihan, Kab. Ogan I, Kec. Lubuk Linggau Timur, Kota Lubuk RW. 006, Kel. Alang-Alang Lebar, Kec.
Komering Ilir, Sumatera Selatan 30656 Linggau, Sumatera Selatan 31623 Alang-Alang Lebar, Kota Palembang,
T : 08881581502 T: +62 733 323 323 Sumatera Selatan 30154
F:- F: +62 733 322 404 T: +62 711 431 569
F: +62 711 431 532
Pasar Ilir 15 - Palembang Plaju - Palembang
Jl. Segaran 545, Kel. 15 ilir, Kec. Ilir Timur I, Jl. Jend. A Yani RT. 019 RW. 007, Kel.
Kota Palembang, Sumatera Selatan 30124 Tangga Takat, Kec. Seberang Ulu II, Kota
T: +62 711 356 732 Palembang, Sumatera Selatan 30264
F: +62 711 356 612 T: +62 711 512 960
F: +62 711 512 972
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 101
BENGKULU
Kantor Cabang
Branch Offices
Bengkulu - Jati
Jl. Jati No. 16 RT. 005 RW. 002, Kel. Sawah Lebar,
Kec. Ratu Agung, Kota Bengkulu, Bengkulu 38228
T: +62 736 346 828
F: +62 736 341 686
Kantor Cabang Pembantu
Sub-Branch Offices
Manna - Bengkulu Selatan Panorama - Bengkulu Pagar Dewa - Bengkulu
Jl. A Yani No. 37, Kel. Ibul, Kec. Kota Manna, Jl. Salak Raya Timur No. 97 RT. 008 RW. Jl. Adam Malik RT. 003 RW. 001, Kel.
Kab. Bengkulu Selatan, Bengkulu 38513 003, Kel. Panorama, Kec. Singaranpati Pagar Dewa, Kec. Selebar Bengkulu, Kota
T: +62 739 2360 280 Lingkar Timur, Kota Bengkulu, Bengkulu Bengkulu, Bengkulu 38211
F: - 38226 T: +62 736 52494
T: +62 736 5408 583 F: +62 736 52803
F: +62 736 23785
Kepahiang - Bengkulu Ketahun - Bengkulu 99
Jl. Santoso, Kel. Dusung Kepahiang, Kec. Jl. Giri Kencana RT. 002 RW. 004, Kel. Giri
Kepahiang Bengkulu, Kab. Kepahiang, Kencana, Kec. Ketahun, Kab. Bengkulu
2024
Bengkulu 39372 Utara, Bengkulu 38361
Performance
T:- T:-
Highlights
F:- F:-
Management
Report
LAMPUNG
Kantor Cabang dan Kantor Cabang Pembantu COMPANY
Branch Offices and Sub-Branch Offices PROFILE
KC Bandar Lampung - Ikan Hiu KCP Sudirman - Metro KCP Lintas Timur - Tulang Bawang
Jl. Ikan Hiu No. 3, Kel. Pesawahan, Kec. Jl. Jend. Sudirman No. 872, Kel. Imopuro, Jl. Lintas Timur Dwiwarga Tunggal Jaya
Teluk Betung Selatan, Kota Bandar Kec. Metro Pusat, Kota Metro, Lampung Desa Dwiwarga Tunggal Jaya, Kel. Desa Management
Lampung, Lampung 35223 34111 Dwiwarga Tunggal Jaya, Kec. Banjar Discussion
T: +62 721 475 300 T : +62 725 7852 881 Agung, Kab. and Analysis
F: +62 721 472 688 F:- T : +62 726 7758 253
F:-
Business
KCP Kalianda - Lampung Selatan KCP Tanjung Karang - Bandar Lampung KF UMK Bandar Jaya - Lampung Support
Jl. Kusuma Bangsa RT. 001 RW. 001, Kel. Jl. Jend. Ahmad Yani No. 17 D, Kel. Pelita, Jl. Proklamator Raya RT. 004 RW. 002 Kel. Overview
Kalianda, Kec. Kalianda, Kab. Lampung Kec. Tanjung Karang Pusat, Kota Bandar Bandar Jaya Kec. Terbanggibesar Kab.
Selatan, Lampung 35511 Lampung, Lampung 35111 Lampung Tengah Lampung 34163
T: +62 727 321 888 T: +62 721 250 439 T:- Corporate
F: +62 727 323 002 F: +62 721 258 972 F:- Governance
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 102
BANGKA BELITUNG
Kantor Cabang dan Kantor Cabang Pembantu
Branch Offices and Sub-Branch Offices
KC Pangkal Pinang - Soekarno Hatta KC Belitung - Sudirman KCP Sungai Liat - Bangka
Jl. Soekarno Hatta No. 17 (Jl. Raya Koba Jl. Jendral Sudirman No. 21, Kel. Pangkal Ruko Town Square No. C3 Jl. Muhidin, Kel.
Km 5), Kel. Dul, Kec. Pangkalan Baru, Kab. Lalang, Kec. Tanjung Pandan, Kab. Belitung, Sungai liat Bangka, Kec. Sungai liat, Kab.
Bangka Tengah, Bangka Belitung 33171 Bangka Belitung 33412 Bangka, Bangka Belitung 33211
T: +62 717 4256 885 T : +62 719 22898 T : +62 717 95159
F: +62 717 4256 878 F:- F : +62 717 95915
KCP A.Yani - Pangkal Pinang
Jl. Achmad Yani No. 69 RT. 001 RW. 002,
Kel. Batin Tikal Pangkal Pinang, Kec. Taman
Sari, Kota Pangkal Pinang, Bangka Belitung
33121
T: +62 717 424 558
F: +62 717 434 391
100 DKI JAKARTA
Ikhtisar Kinerja Kantor Cabang
2024 Branch Offices
Jakarta - Thamrin Jakarta - Tanah Abang Jakarta - Mangga Dua
Laporan Sinar Mas Land Plaza - Menara 1 Jl. MH Jl. Fachrudin No. 18-20, Kel. Kampung Wisma Eka Jiwa Lt. Dasar No. 1 & 2 Jl.
Manajemen Thamrin No. 51 RT. 008 RW. 004, Kel. Bali, Kec. Tanah Abang, Jakarta Pusat, DKI Mangga Dua Raya, Kel. Mangga Dua
Gondangdia, Kec. Menteng, Jakarta Pusat Jakarta 10250 Selatan, Kec. Sawah Besar, Jakarta Pusat,
DKI Jakarta 10350 T: +62 21 3983 5522 DKI Jakarta 10730
PROFIL T: +62 21 3199 0101 F: +62 21 3983 5530 T: +62 21 6230 1505
PERUSAHAAN F: +62 21 3199 0405 F: +62 21 6230 1510
Jakarta - Kelapa Gading Jakarta - L’Avenue Pasar Minggu Jakarta - Puri Kembangan
Analisis dan Rukan Kelapa Gading Permai Blok LA1 No. L’Avenue-South Residence Office Towers Jl. Jl. Puri Kencana Blok M8-3T, Kel.
Pembahasan 30-31 Jl. Raya Boulevard Barat, Kel. Kelapa Raya Pasar Minggu Kav 16 Gatot Subroto, Kembangan Selatan, Kec. Kembangan,
Manajemen Gading Utara, Kec. Kelapa Gading, Jakarta Kel. Pancoran, Kec. Pancoran, Jakarta Jakarta Barat, DKI Jakarta 11610
Utara, DKI Jakarta 14240 Selatan, DKI Jakarta 12780 T: +62 21 5830 1605
Tinjauan T: +62 21 4515 678 T : +62 21 8066 7070 F: +62 21 5830 1625
Pendukung F: +62 21 4515 951 F:-
Bisnis Jakarta - PIK Cordoba Jakarta - Pondok Indah Plaza 2
Jl. Marina Raya Ruko Cordoba Blok B No. 5, Pondok Indah Plaza 2 Blok BA Persil No.
Kel. Kamal Muara, Kec. Penjaringan, Jakarta 11 Jl. Metro Pondok Indah RT. 003 RW. 014,
Tata Kelola
Utara, DKI Jakarta 14470 Kel. Pondok Pinang, Kec. Kebayoran Lama,
Perusahaan
T: +62 21 2257 1051 Jakarta Selatan, DKI Jakarta 12310
F: +62 21 2257 1195 T: +62 21 2782 8338
Laporan F: +62 21 2782 8337
Keberlanjutan
Kantor Cabang Pembantu
Sub-Branch Offices
MSIG - Jakarta Cikini - Jakarta Slipi - Jakarta
Sinarmas MSIG Tower - Ground Floor Jl. Gedung Graha Multi Modern Jl. Cikini Raya Gedung The Capitol lantai 2 Jl. S Parman
Jenderal Sudirman Kav 21, Kel. Karet, Kec. No. 44, Kel. Cikini, Kec. Menteng, Jakarta Kav 73, Kel. Slipi, Kec. Palmerah, Jakarta
Setiabudi, Jakarta Selatan, DKI Jakarta Pusat, DKI Jakarta 10310 Barat, DKI Jakarta 11410
10350 T : +62 21 3193 1061 T: +62 21 5347 226
T : +62 21 5206 894 F:- F: +62 21 5347 229
F : 088212569604
Kwitang - Jakarta Senayan City - Jakarta Central Park - Jakarta
Gedung Capitol Sixteen (dahulu Gedung Senayan City Mall Lt.6 unit 6-11 Jl. Asia Central Park Mall Lt. LG Jl. LetJend S.
Kwitang Office) Gedung Capitol ICDX Jl. Afrika Lot 19 RT. 001 RW. 003, Kel. Gelora, Parman Kav 28, Kel. Tomang, Kec. Grogol
Prajurit KKO Usman dan Harun No. 16 RT. Kec. Tanah Abang, Jakarta Pusat, DKI Petamburan, Jakarta Barat, DKI Jakarta
002 RW. 001, Kel. Kwitang, Kec. Senen, Jakarta 10270 11470
Jakarta Pusat, DKI Jakarta 10420 T : +62 21 7278 1554 / +62 21 7278 1587 T: +62 21 5698 5210
T: +62 21 2234 6688 F:- F: +62 21 5698 5212
F: +62 21 2234 6070
Tanjung Duren - Jakarta Intercon - Jakarta Harmoni - Jakarta
Jl. Tanjung Duren No. 25 A RT. 001 / RW. Kompleks Pertokoan Taman Kebon Jl. Suryopranoto, Komplek Harmoni Plaza
007, Kel. Tanjung Duren Utara, Kec. Grogol Jeruk (Intercon Plaza) Blok D No. 7, Kel. Blok B No. 14-15, Kel. Petojo Utara, Kec.
Petamburan, Jakarta Barat, DKI Jakarta Srengseng, Kec. Kembangan, Jakarta Barat, Gambir, Jakarta Pusat, DKI Jakarta 10130
11250 DKI Jakarta 11630 T: +62 21 2206 6343
T: +62 21 5694 1491 T : +62 21 5890 9421 F: +62 21 2206 9382
F: +62 21 5694 1492 F:-
Laporan Tahunan & Keberlanjutan
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Kantor Cabang Pembantu
Sub-Branch Offices
ITC Roxy Mas - Jakarta Pluit - Jakarta Mangga Besar - Jakarta
Jl. KH Hasyim Ashari Pusat Pertokoan ITC Jl. Pluit Kencana Raya No. 79 E, Kel. Pluit, Jl. Mangga Besar VIII No. 8, Kel. Taman
Roxy Mas Blok B1 No. 3 RW. 008, Kel. Kec. Penjaringan, Jakarta Utara, DKI Sari, Kec. Taman Sari, Jakarta Barat, DKI
Cideng, Kec. Gambir, Jakarta Barat, DKI Jakarta 14450 Jakarta 11150
Jakarta 10150 T : +62 21 2608 1234 T: +62 21 6251 989
T: +62 21 6329 904 F:- F: +62 21 6252 002
F: +62 21 6329 902
Batu Tulis - Jakarta Sunter - Jakarta Kelapa Gading 2 - Jakarta
Jl. Batu Tulis Raya No. 7, Kel. Kebon Kelapa, Jl. Danau Sunter Utara Blok 74, Kel. Sunter Jl. Boulevard Raya Blok PA 11 No. 3-4 RT.
Kec. Gambir Kota, Jakarta Pusat, DKI Agung, Kec. Tanjung Priok, Jakarta Utara, 003 RW. 014, Kel. Kelapa Gading, Kec.
Jakarta 10120 DKI Jakarta 14350 Pegangsaan Dua, Jakarta Utara, DKI
T: +62 21 3802 038 T : +62 21 6583 2083 Jakarta 14250
F: +62 21 3802 093 F : +62 21 6583 2084 T: +62 21 4584 7393/7490
F: +62 21 4504 128
Season City - Jakarta ITC Cempaka Mas - Jakarta Samanhudi - Jakarta
Ruko Season City Blok D No. 3 Jl. Ruko Cempaka Mas Blok E No. 5 & 6 Jl. Jl. Samanhudi No. 63, Kel. Pasar Baru, Kec.
Jembatan Besi 33 RT. 001 RW. 005, Kel. Let-Djen Suprapto, Kel. Sumur Batu, Kec. Sawah Besar, Jakarta Pusat, DKI Jakarta
Jembatan Besi, Kec. Tambora Latumenten,
Jakarta Barat, DKI Jakarta 11320
Kemayoran Cempaka Putih, Jakarta Pusat,
DKI Jakarta 10640
10710
T: +62 21 3801 312
101
T: +62 21 2937 5041 T : +62 21 4290 6634 F: +62 21 3801 321
F: +62 21 2937 5042 F : +62 21 4290 6635 2024
Performance
Bintaro - Jakarta Permata Hijau - Jakarta Fatmawati 1 - Jakarta Highlights
Jl. Raya Bintaro Utama I Blok E No. 12 Jl. Permata Hijau Blok CC 6 No. 1, Kel. Komp. Ruko Duta Mas Blk A2 No. 2 Jl. Raya
Sektor 1 RT. 013 RW. 008, Kel. Bintaro, Kec. Grogol Utara, Kec. Kebayoran Lama, Fatmawati, Kel. Cipete, Kec. Kebayoran
Pesanggrahan, Jakarta Selatan, DKI Jakarta Jakarta Selatan, DKI Jakarta 12210 Baru, Jakarta Selatan, DKI Jakarta 12150
Management
12330 T : +62 21 5366 3646 T : +62 21 7278 8022
Report
T: +62 21 7375 226 F : +62 21 5366 3647 F:-
F: +62 21 7372 410
Sabang - Jakarta Ambasador - Jakarta Roxy Square - Jakarta COMPANY
Jl. KH Agus Salim No. 45, Kel. Kebon Sirih, ITC Kuningan Ambasador Blok 9-C Lt. 5 Roxy Square Jl. Kyai Tapa No. 1 RT. 010 RW. PROFILE
Kec. Menteng, Jakarta Pusat, DKI Jakarta Jl. Prof. Dr. Satrio Mall Ambasador Lt. 5 010 Unit D3 Lower Ground, Kel. Tomang,
10340 Blok 9 C RT. 011 RW. 004 Casablanca, Kel. Kec. Grogol Petamburan, Jakarta Barat, DKI
T: +62 21 3925 472 Kuningan, Kec. Karet Kuningan, Jakarta Jakarta 11440 Management
F: +62 21 3925 391 Selatan, DKI Jakarta 12940 T : +62 21 5695 4567 Discussion
T : +62 21 5793 3779 F : +62 21 5695 4545 and Analysis
F : +62 21 5793 3784
Menara Tekno - Jakarta Hasyim Ashari - Jakarta Capitol Salemba - Jakarta
Gedung Menara Tekno Lt. GF, Jl. KH Jl. KH Hasyim Ashari No. 34 RT. 003 RW. The Capitol Appartment Tower T Lantai Business
Fachrudin No. 19 RT. 1 RW. 7, Kel. Kampung 001, Kel. Duri Pulo, Kec. Gambir, Jakarta Dasar Lobby Emerald Jl. Salemba Raya No. Support
Bali, Kec. Tanah Abang, Jakarta Pusat, DKI Pusat, DKI Jakarta 10150 16, Kel. Kenari, Kec. Senen, Jakarta Pusat, Overview
Jakarta 10250 T : +62 21 6385 7348/123 DKI Jakarta 40115
T : 087788757644 F:- T : 082123064146
F:- F:- Corporate
Governance
SOF Summitmas - Jakarta ITC Mangga Dua - Jakarta Pluit Riverside - Jakarta
Gedung Summitmas II Lt. 9 Jl. Jend. ITC Mangga Dua 2A Lt. 1 Blok D No. 60 A Muara Indah Menara I B Lt. 1 No. 10 B Jl.
Sudirman Kav 61-62, Kel. Senayan, Kec. 61 & 60 B Jl. Raya Mangga Dua, Kel. Ancol, Pluit Karang Barat No. 50, Kel. Penjaringan, Sustainability
Kebayoran Baru, Jakarta Selatan, DKI Kec. Pademangan, Jakarta Utara, DKI Kec. Penjaringan, Jakarta Utara, DKI Report
Jakarta 12190 Jakarta 14430 Jakarta 14450
T : +62 21 2521 902/903 T : +62 21 6230 0902 T : +62 21 6660 7701
F : +62 21 2521 905 F : +62 21 6230 0907 F : +62 21 6660 7703
Kali Besar - Jakarta Rawamangun - Jakarta PIK Tzu Chi - Jakarta
Jl. Kali Besar No. 8, Kel. ROA Malaka, Kec. Jl. Paus No. 83 A RT. 001 RW. 008 Yayasan Budha Tzu Chi Jl. Raya Boulevard
Tambora, Jakarta Barat, DKI Jakarta 11230 Rawamangun, Kel. Jati, Kec. Pulo Gadung, Pantai Indah Kapuk, Kel. Kamal Muara, Kec.
T : +62 21 6907 910 Jakarta Timur, DKI Jakarta 13220 Penjaringan, Jakarta Utara, DKI Jakarta
F : +62 21 6907 918 T : +62 21 4786 9552 11440
F : +62 21 4586 9540 T : +62 21 2931 6398
F : +62 21 2931 6399
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
OTO Kedoya - Jakarta OTO Kalimalang - Jakarta
Ruko Graha Arteri Mas 5A Jl. Panjang No. 68, Kel. Kedoya Selatan, Jl. Raya Kali (Tarum Barat) No. 1 C-D, Kel. Pondok Kelapa, Kec.
Kec. Kebon Jeruk, Jakarta Barat, DKI Jakarta 11520 Duren Sawit, Jakarta Timur, DKI Jakarta 13450
T: +62 21 5830 1070 T: +62 21 8690 7141
F: +62 21 5835 6843 F: +62 21 8690 7140
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2024 PT. Bank Sinarmas Tbk.
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JAWA BARAT
WEST JAVA
Kantor Cabang
Branch Offices
Bogor - Padjajaran Cirebon - Wahidin Sudirohusodo Tasikmalaya - Sutisna Sanjaya
Jl. Pajajaran No. 38 A RT. 005 RW. 004, Kel. Jl. Dr Wahidin Sudirohusodo No. 29, Kel. Jl. Sutisna Sanjaya No. 65 RT. 004 RW.
Babakan, Kec. Kota Bogor Tengah, Kota Sukapura, Kec. Kejaksan, Kota Cirebon, 008, Kel. Lengkongsari, Kec. Tawang, Kota
Bogor, Jawa Barat 16128 Jawa Barat 45122 Tasikmalaya, Jawa Barat 46113
T: +62 251 8326 577 T: +62 231 246 388 T: +62 265 311 929
F: +62 251 8357 495 F: +62 231 244 198 F: +62 265 313 522
Garut - Ciledug Karawang - Kertabumi Sukabumi - RA Kosasih
Jl. Ciledug No. 180 RT. 001 RW. 015, Kel. Jl. Kertabumi No. 18 A Karawang, Kel. Jl. RA Kosasih No. 118 RT. 002 RW. 002, Kel.
Kota Kulon, Kec. Garut Kota, Kab. Garut, Karawang Kulon, Kec. Karawang Barat, Kab. Subang Jaya, Kec. Cikole Sukabumi, Kota
Jawa Barat 44112 Karawang, Jawa Barat 41311 Sukabumi, Jawa Barat 43116
T: +62 262 2246 520 T: +62 267 8454 508 T: +62 266 246 788
F: +62 262 2246 521 F: +62 267 8454 489 F: +62 266 246 784
Bandung - Abdul Rivai
Jl. Abdul Rivai No. 2 RT. 005 RW. 017, Kel.
102 Taman Sari, Kec. Bandung Wetan, Kota
Bandung, Jawa Barat 40116
T: +62 22 4241 800
Ikhtisar Kinerja
F: +62 22 4206 466/ 4212 538
2024
Kantor Cabang Pembantu
Laporan Sub-Branch Offices
Manajemen
Ahmad Yani - Bekasi Kota Wisata Cibubur - Jakarta Grand Wisata - Bekasi
Jl. Ahmad Yani Komplek Ruko Bekasi Perumahan Kota Wisata Cibubur Area Perumahan Grand Wisata Celebration
PROFIL Mas Blok C No. 4-5, Kel. Marga Jaya, Kec. Ruko Sentra Eropa Blok SEA No. 3, Kel. Boulevard Blok AA-15/No. 23, Kel. Lambang
PERUSAHAAN Bekasi Selatan, Kota Bekasi, Jawa Barat Ciangsana, Kec. Gunung Putri, Kab. Bogor, Sari, Kec. Tambun Selatan, Kab. Bekasi,
17143 Jawa Barat 16968 Jawa Barat 17150
T: +62 21 8896 2588 T: +62 21 8493 3877 T: +62 21 8261 6201
Analisis dan F: +62 21 8885 5308 F: +62 21 8493 3190 F: +62 21 8261 5909
Pembahasan
Manajemen Margonda - Depok Sudirman - Bogor Tajur - Bogor
Jl. Margonda Raya No. 56 Ruko ITC Depok Jl. Jendral Sudirman No. 15H Ruko Pabaton, Jl. Raya Wangun Tajur No. 307 C (Jl. Tajur
No. 1, Kel. Pancoran Mas, Kec. Pancoran Kel. Pabaton, Kec. Bogor Tengah, Kota No. 18) RT. 003 RW. 004, Kel. Sindangsari,
Tinjauan Mas, Kota Depok, Jawa Barat 16431 Bogor, Jawa Barat 16121 Kec. Bogor Timur, Kota Bogor, Jawa Barat
Pendukung T: +62 21 7721 5160 T: +62 251 8332 878 16146
Bisnis F: +62 21 7721 5161 F: +62 251 8387 811 T: +62 251 8249 111
F: +62 251 8249 350
Tata Kelola Pasar Anyar - Bogor MTC - Bandung Sudirman - Bandung
Perusahaan Jl. Dewi Sartika Blok A No. 64 RT. 001 RW. Komp. MTC Kav B-11 Jl. Soekarno Hatta No. Ruko Kapitol Jl. Jend. Sudirman No. 91,
002, Kel. Pabaton, Kec. Bogor Tengah, Kota 590 Ruko Metro Indah Mall B11 RT. 004 Kel. Karang Anyar, Kec. Astana Anyar, Kota
Laporan Bogor, Jawa Barat 16121 RW. 011, Kel. Sekejati, Kec. Buah Batu, Kota Bandung, Jawa Barat 40241
Keberlanjutan T: +62 251 8330 699 Bandung, Jawa Barat 40286 T: +62 22 4205 002
F: +62 251 8330 755 T: +62 22 7535 530 F: +62 22 4260 106
F: +62 22 7535 680
Jatinangor - Sumedang Grand Center - Cirebon Mayor Abdurachman - Sumedang
Jl. Raya Bandung - Garut KM 215, Ruko Grand Center No. D6 RT. 005 Jl. Mayor Abdurachman No. 199 RT. 002
Kel. Mekargalih, Kec. Jatinangor, Kab. RW. 002 Jl. Pangeran Suryanegara, Kel. RW. 010, Kel. Kotakaler, Kec. Sumedang
Sumedang, Jawa Barat 45363 Pekalangan, Kec. Pekalipan, Kota Cirebon, Utara, Kab. Sumedang, Jawa Barat 45322
T: +62 22 7782 757 Jawa Barat 45118 T: +62 261 202 606
F: +62 22 7782 725 T: +62 231 237 723 F: +62 261 203 839
F: +62 231 237 722
A.H.Nasution - Bandung Cikampek - Karawang Buah Batu - Bandung
Jl. AH Nasution No. 192, Kel. Cipadung Ruko Central Cikampek No. 5 Jl. Ahmad Jl. Buah Batu No. 248, Kel. Cijagra, Kec.
Kulon, Kec. Panyileukan, Kota Bandung, Yani Dawuan, Kel. Dawuan Timur, Kec. lengkong, Kota Bandung, Jawa Barat
Jawa Barat 40614 Cikampek, Kab. Karawang, Jawa Barat 40265
T: +62 22 8788 0101 41373 T : +62 22 7322 348
F: +62 22 8788 0102 T: +62 264 8386 448 F:-
F: +62 264 8386 445
Pataruman - Banjar Lembang - Bandung Otista - Subang
Jl. Letjen Soewarto No. 97, Kel. Hegarsari, Jl. Raya Lembang No. 317-319, Kel. Jayagiri, Jl. Otista No. 252 RT. 095 RW. 026, Kel.
Kec. Pataruman, Kota Banjar, Jawa Barat Kec. Lembang Bandung, Kab. Bandung Karanganyar, Kec. Subang, Kab. Subang,
46322 Barat, Jawa Barat 40391 Jawa Barat 41211
T: +62 265 2732 500 T: +62 22 2786 790 T: +62 260 414 699
F: +62 265 2732 501 F: +62 22 2787 135 F: +62 260 414 698
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Page 105
Kantor Cabang Pembantu
Sub-Branch Offices
Amir Mahmud - Cimahi Veteran - Purwakarta Kopo - Bandung
Jl. Amir Mahmud No. 491 RT. 004 RW. 005, Jl. Veteran No. 98, Kel. Negri Kaler, Kec. Komplek Taman Kopo Indah II Blok 1 A No.
Kel. Karang Mekar, Kec. Cimahi Tengah, Purwakarta, Kab. Purwakarta, Jawa Barat 69, Kel. Rahayu, Kec. Margaasih Bandung,
Kota Cimahi, Jawa Barat 40523 41115 Kota Bandung, Jawa Barat 40218
T: +62 22 6646 998 T: +62 264 8225 888 T: +62 22 5419 151
F: +62 22 6647 098 F: +62 264 8225 824 F: +62 22 5419 150
Muwardi - Cianjur A.Yani - Sukabumi Sudirman - Ciamis
Jl. Dr Muwardi No. 173 RT. 002 RW. 003 Jl. Ahmad Yani No. 235 Ruko No. 3 RT. 002 Jl. Jendral Sudirman No. 163 RT. 004 RW.
Buniwangi, Kel. Bojongherang, Kec. Cianjur, RW. 004, Kel. Kebonjati, Kec. Cikole, Kota 002, Kel. Ciamis, Kec. Ciamis, Kab. Ciamis,
Kab. Cianjur, Jawa Barat 43216 Sukabumi, Jawa Barat 43112 Jawa Barat 46211
T: +62 263 2292 878 T: +62 266 229 366 T: +62 265 776 410
F: +62 263 2292 877 F: +62 266 229 377 F: +62 265 776 420
Siliwangi - Kuningan Abdul Halim - Majalengka KIIC - Karawang
Jl. Siliwangi No. 273 B RT. 002 RW. 004 Jl. KH Abdul Halim No. 149 Cirebon, Kel. Graha KIIC 1st Floor Jl. Permata Raya Slot
Lingkungan Dago, Kel. Cijoho, Kec. Majalengka Kulon, Kec. Majalengka, Kab. CB-1 Kawasan Industri KIIC Karawang, Kel.
Kuningan, Kab. Kuningan, Jawa Barat 45513 Majalengka, Jawa Barat 45418 Sukaluyu, Kec. Telukjambe Timur, Kab.
T: +62 232 872 458 T: +62 233 8890 033 Karawang, Jawa Barat 41361
F: +62 232 872 456 F: +62 233 8890 036 T : +62 267 8458 058
F:-
103
Sudirman - Indramayu Jamika - Bandung Delta Mas - Bekasi 2024
Jl. Sudirman No. 93 RT. 001 RW. 007, Jl. Jamika No. 42 A RT. 003 RW. 007, Ruko Spanish Square Blok A No. 2 Kota Performance
Kel. Lemah Mekar, Kec. Indramayu, Kab. Kel. Jamika, Kec. Bojongloa Kaler, Kota Deltamas, Kel. Hegarmukti, Kec. Cikarang Highlights
Indramayu, Jawa Barat 45212 Bandung, Jawa Barat 40231 Pusat, Kab. Bekasi, Jawa Barat 17530
T: +62 234 274 416 T: +62 22 6009 100 T: +62 21 8997 0578
F: +62 234 274 424 F: +62 22 6009 172 F: +62 21 8997 0581
Management
ITSB Delta Mas - Cikarang Jababeka Cikarang - Bekasi Ciomas - Bogor Report
Kampus ITSB Jl. Ganesha Boulevard Lot Jl. Niaga Raya Ruko Metro Boulevard Kav Jl. Raya Ciomas No. 33 RT. 001 RW. 003,
A1 CBD (Tol Jakarta Cikampek KM 7), Kel. A11 Kawasan Industri JABABEKA Cikarang, Kel. Pagelaran, Kec. Ciomas, Kab. Bogor,
Pasiranji, Kec. Cikarang Pusat, Kab. Bekasi, Kel. Pasir Sari, Kec. Cikarang, Kab. Bekasi, Jawa Barat 16610 COMPANY
Jawa Barat 17531 Jawa Barat 17835 T : +62 251 7588 289 PROFILE
T: +62 21 5055 5365 T: +62 21 8984 2361 F:-
F: +62 21 8897 0581 F: +62 21 8984 2360
Management
Cibanteng - Bogor Cibinong - Bogor Cisarua - Bogor
Discussion
Jl. Raya Cibanteng Proyek No. 175 RT. 002 Jl. Mayor Oking No. 134, Kel. Cirimekar, Kec. Jl. Raya Puncak KM 81 No. 1C, Kel. Cisarua,
and Analysis
RW. 004, Kel. Cihideung ilir, Kec. Ciampea, Cibinong, Kab. Bogor, Jawa Barat 16917 Kec. Cisarua, Kab. Bogor, Jawa Barat 16750
Kab. Bogor, Jawa Barat 16620 T: +62 21 8791 8788 T: +62 251 8251 734
T: +62 251 8629 079 F: +62 21 8790 8740 F: +62 251 8251 720
F: +62 251 8629 772 Business
Support
Leuwiliang - Bogor Cileungsi - Bogor Kebon Pedes - Bogor Overview
Komp. Saptamarga (Pasar Baru Leuwiliang) Jl. Raya Narogong (Pasar Cileungsi) Kel. Jl. Raya Kebon Pedes No. 44, Kel. Kebon
Jl. Raya Leuwiliang RT. 001 RW. 003, Kel. Cileungsi Kidul Kec. Cileungsi Kab. Bogor Pedes, Kec. Tanah Sareal, Kota Bogor, Jawa
Leuwiliang, Kec. Leuwiliang, Kab. Bogor, Jawa Barat 16820 Barat 16162 Corporate
Jawa Barat 16640 T: +62 21 8248 4278 T: +62 251 8577 168 Governance
T: +62 251 8640 907 F: - F: +62 251 8576 894
F: -
Sustainability
Kantor Fungsional Operasional (KFO) Funding Report
Funding Operational Functional Offices
SOF Pondok Gede - Bekasi OTO Point Automotive Cibubur - Depok Pindodeli - Karawang
Plaza Pondok Gede Ruko Blok F No. 20-22, Ruko Cibubur Point Automotive Center Desa Kuta Mekar BTB 6/9 Karawang, Kel.
Kel. Jatiwaringin, Kec. Pondok Gede, Kota Blok A No. 12 B Jl. Raya Alternatif Cibubur Kutamekar, Kec. Ciampel, Kab. Karawang,
Bekasi, Jawa Barat 17411 (Trans Yogi) Desa/Kel. Harjamukti, Kec. Jawa Barat 41361
T : 081210328648 Cimanggis, Kota Depok, Jawa Barat 16454 T: +62 267 8610 150
F:- T: +62 21 8430 0369 F: +62 267 8610 145
F: +62 21 8430 0370
Padalarang - Bandung Barat Soreang - Bandung Ciparay - Bandung
Kp. Cigeunjing RT. 013 RW. 004, Desa/Kel. Jl. Soreang Banjaran No. 402 Kp. Ciburial Jl. Raya Laswi No. 592 RT. 001 RW. 001,
Kertajaya, Kec. Padalarang, Kab. Bandung Timur RT. 006 RW. 006, Kel. Soreang, Kec. Kel. Gunung Leutik, Kec. Ciparay, Kab.
Barat, Jawa Barat 40553 Soreang, Kab. Bandung, Jawa Barat 40911 Bandung, Jawa Barat 40381
T : +62 22 8681 5198 / 5197 T: +62 22 5891 481 T: +62 22 5952 181
F : +62 22 6804 101 F: +62 22 5891 873 F: +62 22 5952 182
Cikajang - Garut Cipeujeuh - Cirebon Wanaraja - Garut
Jl. Raya Cikajang No. 10, Kel. Cibodas, Kec. Jl. MT Haryono No. 38 Dusun 2 RT. 005 Jl. Raya Wanaraja No. 50, Kel. Cimalaka,
Cikajang, Kab. Garut, Jawa Barat 44171 RW. 002, Kel. Cipeujeuh Wetan, Kec. Kec. Wanaraja Karangpawitan, Kab. Garut,
T : +62 262 576309 Lemahabang, Kab. Cirebon, Jawa Barat Jawa Barat 44183
F : +62 262 576348 45183 T: +62 262 2449 470
T: +62 231 8638 891 F: +62 262 2449 461
F: +62 231 8638 895
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Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Arjawinangun - Cirebon AH Nasution - Bandung OTO Lengkong Kecil - Bandung
Jl. Sultan Syahrir No. 2 (dh Jalan Pahlawan) Ruko Bandung Timur Kav. A11, Jl. AH Jl. Lengkong Kecil No. 50, Kel. Paledang,
RT. 001 RW. 009 Dusun V Desa/Kel. Nasution No. 46 A, Kel. Pakemitan, Kec. Kec. Lengkong, Kota Bandung, Jawa Barat
Jungjang, Kec. Arjawinangun, Kab. Cirebon, Cinambo, Kota Bandung, Jawa Barat 40612 40261
Jawa Barat 45162 T : +62 22 6376 4445 T: +62 22 4212 580
T : +62 231 357716 F:- F: +62 22 4210 189
F : +62 231 359070
SOF Moch.Ramdan - Bandung SOF Batununggal - Bandung Limbangan - Garut
Jl. Moch. Ramdan No. 72, Kel. Ciateul, Kec. Jl. Batununggal Indah Raya No. 164 – 166, Jl. Raya Limbangan No. 22, Kel. Blubur
Regol, Kota Bandung, Jawa Barat 40252 Kel. Batununggal, Kec. Bandung Kidul, Kota Limbangan, Kec. Limbangan Garut, Kab.
T : 08888779854 Bandung, Jawa Barat 40273 Garut, Jawa Barat 44186
F:- T : 08888779856 T: +62 262 431420
F:- F: +62 262 431418
Kadungora - Garut Rancaekek - Bandung Banjaran - Bandung
Jl. Raya Kadungora Kp. Cigunung Agung Jl. Raya Rancaekek No. 141 RT. 003 RW. 012 Jl. Raya Banjaran No. 66 RT. 002 RW. 003,
RT. 001 RW. 006, Kel. Kadungora, Kec. Kampung Babakan Desa Majasetra (ext. Jl. Kel. Banjaran Wetan, Kec. Banjaran, Kab.
Kadungora, Kab. Garut, Jawa Barat 44153 Babakan 141 Majalaya), Kel. Majakerta, Kec. Bandung, Jawa Barat 40377
104 T : +62 262 455681
F : +62 262 455682
Majalaya, Kab. Bandung, Jawa Barat 40382
T : +62 22 5952 927
T : +62 22 5943 801
F:-
F:-
Ikhtisar Kinerja
2024 Sumber - Cirebon
Jl. Pangeran Cakrabuana Blok Mentrik No.
3A RT. 001 RW. 005, Kel. Kemantren, Kec.
Laporan Sumber, Kab. Cirebon, Jawa Barat 45611
Manajemen T : +62 231 8308 877
F : +62 231 8308 876
PROFIL
PERUSAHAAN Kantor Fungsional Operasional (KFO) Lending
Lending Operational Functional Offices
Analisis dan Singaparna - Tasikmalaya Cisaat - Sukabumi
Pembahasan Jl. Raya Timur No. 17 RT. 002 RW. 014 Cikiray, Kel. Singaparna, Kec. Jl. Raya Rambai No. 45B, Kel. Sukamantri, Kec. Cisaat, Kab.
Manajemen Singaparna, Kab. Tasikmalaya, Jawa Barat 46411 Sukabumi, Jawa Barat 43152
T: +62 265 545300 T: +62 266 237855
F: +62 265 545277 F: +62 266 216058
Tinjauan
Pendukung Kantor Fungsional – UMK
Bisnis Functional Offices for SMEs
Ibrahim Singadilaga - Purwakarta Cibadak - Sukabumi
Tata Kelola Jl. Ibrahim Singadilaga No. 86 B RT. 016 RW. 010, Kel. Nagri Kaler, Jl. Siliwangi No. 129 RT. 001 RW. 028, Kel. Cibadak, Kec. Cibadak,
Perusahaan Kec. Purwakarta, Kab. Purwakarta, Jawa Barat 41115 Kab. Sukabumi, Jawa Barat 43351
T : +62 264 8225825 T : +62 266 6531500
Laporan F : +62 264 8225824 F:
Keberlanjutan
JAWA TENGAH
CENTRAL JAVA
Kantor Cabang
Branch Offices
Semarang - Gang Tengah Purwokerto - Wiratmaja Magelang - Ahmad Yani
Jl. Gang Tengah No. 9, Kel. Kranggan, Kec. Jl. RA Wiratmaja No. 28 RT. 003 RW. 004, Jl. Ahmad Yani No. 77 RT. 002 RW. 006,
Semarang Tengah, Kota Semarang, Jawa Kel. Kedungwuluh, Kec. Purwokerto Barat, Kel. Kramat Selatan, Kec. Magelang Utara,
Tengah 50137 Kab. Banyumas, Jawa Tengah 53131 Kota Magelang, Jawa Tengah 56115
T: +62 24 3562 625 T: +62 281 6572 888 T: +62 293 3219 595
F: +62 24 3562 623 F: +62 281 6578 066 F: +62 293 3219 596
Kudus - Sudirman Tegal - Sudirman Pekalongan - Dr. Cipto
Jl. Jendral Sudirman Ruko Sudirman No. Jl. Jendral Sudirman No. 32, Kel. Jl. Dr. Cipto No. 39, Kel. Keputran, Kec.
6, Kel. Barongan, Kec. Kota Kudus, Kab. Pekauman, Kec. Tegal Barat, Kota Tegal, Pekalongan Timur, Kota Pekalongan, Jawa
Kudus, Jawa Tengah 59312 Jawa Tengah 52113 Tengah 51128
T: +62 291 4245 818 T: +62 283 325 323 T: +62 285 436 110
F: +62 291 4245 852 F: +62 283 325 511 F: +62 285 437 310
Solo - Urip Sumoharjo
Jl. Urip Sumoharjo No. 163 RT. 009 RW.
001, Kel. Kepatihan Wetan, Kec. Jebres
Surakarta, Kota Solo, Jawa Tengah 57126
T: +62 271 641 093
F: +62 271 641 793
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Kantor Cabang Pembantu
Sub-Branch Offices
Sultan Agung - Semarang Pemuda - Semarang Gatot Subroto - Cilacap
Ruko Sultan Agung Kav 9 Jl. Sultan Rukan Pemuda Mas Blok A Kav A/8 Jl. Jend. Gatot Subroto No. 42-44 RT.
Agung No. 104-106 RT. 001 RW. 001, Kel. Jl. Pemuda No. 150, Kel. Sekayu, Kec. 001 RW. 10, Kel. Sidanegara, Kec. Cilacap
Wonotingal, Kec. Candisari, Kota Semarang, Semarang Tengah, Kota Semarang, Jawa Tengah, Kab. Cilacap, Jawa Tengah 53223
Jawa Tengah 50252 Tengah 50132 T: +62 282 5253 434
T: +62 24 8509 034 T: +62 24 3564 888 F: +62 282 5253 131
F: +62 24 8509 035 F: +62 24 3564 889
Diponegoro - Salatiga A.Yani - Pemalang Adiwerna - Tegal
Jl. Diponegoro No. 77 RT. 001 RW. 002, Jl. Ahmad Yani Utara No. 6 RT. 004 RW. Jl. Adiwerna No. 16 RT. 012 RW. 006, Kel.
Kel. Dusun Sidorejo Lor, Kec. Sidorejo, Kota 008, Kel. Kebondalem, Kec. Pemalang, Kab. Adiwerna, Kec. Adiwerna Tegal, Kab. Tegal,
Salatiga, Jawa Tengah 50714 Pemalang, Jawa Tengah 52312 Jawa Tengah 52194
T: +62 298 315 603 T: +62 284 323 285 T: +62 283 446 001
F: +62 298 328 856 F: +62 284 322 154 F: +62 283 446 122
A.Yani - Purbalingga Muntilan - Magelang Majapahit - Semarang
Ruko PJKA No. 1 Jl. A Yani RT. 001 RW. 001, Jl. Pemuda No. 95 RT. 002 RW. 002, Kel. Komp. Mall Majamas Jl. Brigjend Sudiarto
Kel. Kandang Gampang, Kec. Purbalingga, Pucungrejo, Kec. Muntilan, Kab. Magelang, No. 198 H ( jl. Majapahit) RT. 002 RW. 001,
Kab. Purbalingga, Jawa Tengah 53312 Jawa Tengah 56414 Kel. Gayamsari, Kec. Gayamsari, Kota
T: +62 281 896 565
F: +62 281 896 061
T: +62 293 587 870
F: +62 293 585 499
Semarang, Jawa Tengah 50161
T: +62 24 6731 200
105
F: +62 24 6731 235
2024
Solo Baru - Sukoharjo Rajawali - Klaten Tentara Pelajar - Temanggung Performance
Komp. Super Makmur 2 Jl. Raya Solo Baru Jl. Rajawali No. 113 RT. 008 RW. 001 Tegal Jl. Tentara Pelajar No. 6 (14) RT. 001 RW. Highlights
No. 10 F-G, Desa/Kel. Madegondo, Kec. Blateran, Kel. Kabupaten, Kec. Klaten 007, Kel. Temanggung 1, Kec. Temanggung,
Grogol Sukoharjo, Kab. Sukoharjo, Jawa Tengah, Kab. Klaten, Jawa Tengah 57413 Kab. Temanggung, Jawa Tengah 56212
Tengah 57552 T: +62 272 3351 528 T: +62 293 493 200
Management
T: +62 271 6727 273 F: +62 272 3351 527 F: +62 293 493 232
Report
F: +62 271 6727 263
Banyumanik - Semarang Sukowati - Sragen Sudirman - Semarang
Jl. Kamfer Raya No. 11 A, Kel. Padangsari, Jl. Raya Sukowati No. 60 RT. 003 RW. 012 Ruko Siliwangi Square Atrium Kav 9 Jl. COMPANY
Kec. Banyumanik Semarang, Kota Dukuh Beloran, Kel. Sragen Kulon, Kec. Jend. Sudirman No. 322 RT. 001 RW. 001, PROFILE
Semarang, Jawa Tengah 50267 Sragen, Kab. Sragen, Jawa Tengah 57212 Kel. Salman Mloyo, Kec. Semarang Barat,
T: +62 24 7648 1977 T: +62 271 8823 401 Kota Semarang, Jawa Tengah 50143
F: +62 24 7648 1987 F: +62 271 8823 403 T: +62 24 7667 1266 Management
F: +62 24 7667 1252 Discussion
and Analysis
Mayjend Sutoyo - Kebumen Metro Square - Magelang Bumiayu - Brebes
Jl. Mayjend Sutoyo No. 41 RT. 006 RW. Jl. Mayjend Bambang Sugeng Ruko Metro Jl. Raya Utara No. 77 RT. 001 RW. 004, Kel.
006, Kel. Kebumen, Kec. Kebumen, Kab. Square blok F-1, Kel. Mertoyudan, Kec. Dukuhturi, Kec. Bumiayu, Kab. Brebes,
Kebumen, Jawa Tengah 54311 Mertoyudan, Kab. Magelang, Jawa Tengah Jawa Tengah 52273 Business
T: +62 287 385 813 56172 T: +62 289 430 699 Support
F: +62 287 385 814 T: +62 293 326199 / 326496 F: +62 289 430 224 Overview
F: +62 293 325322
Tentara Pelajar - Magelang Corporate
Komplek Ruko Top Square Blok A6 Jl. Governance
Tentara Pelajar No. 3-5, Kel. Kemirirejo, Kec.
Magelang Tengah, Kota Magelang, Jawa
Tengah 56123 Sustainability
T: +62 293 310380 Report
F: +62 293 310381
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Ungaran - Semarang Kedungwuni - Pekalongan Ajibarang - Banyumas
Ungaran Square Ruko No. 10 Jl. Jl. Raya Kedungwuni No. 2 RT. 002 Jl. Raya Ajibarang Tegal No. 8 RT. 003
Diponegoro No. 745 RT. 002 RW. 003, RW. 013, Kel. Kedungwuni Barat, Kec. RW. 008, Desa/ Kel. Ajibarang Kulon, Kec.
Kel. Ungaran, Kec. Ungaran Barat, Kab. Kedungwuni Pekalongan, Kab. Pekalongan, Ajibarang, Kab. Banyumas, Jawa Tengah
Semarang, Jawa Tengah 50511 Jawa Tengah 51000 53163
T: +62 24 6925 860 T: +62 285 785888 T: +62 281 571666
F: +62 24 6925 861 F: +62 285 785400 F: +62 281 571991
Kartasura - Sukoharjo Jend. Sudirman - Wonogiri
Kompleks Ruko Kartasura Blok F Jl. Jend. Jl. Jend. Sudirman No. 226 Bauresan, Kel.
Ahmad Yani No. 41 RT. 001 RW. 003 Giritirto, Kec. Wonogiri, Kab. Wonogiri, Jawa
Solo, Kel. Kartasura, Kec. Kartasura, Kab. Tengah 57611
Sukoharjo, Jawa Tengah 57168 T: +62 273 323535
T : +62 271 783200 F: +62 273 324084
F : +62 271 784377
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Kantor Fungsional Operasional (KFO) Lending
Lending Operational Functional Offices
A.Yani - Brebes Weleri - Kendal
Jl. A Yani No. 25 RT. 003 RW. 021, Kel. Brebes, Jl. Utama Timur No. 37A RT. 004 RW. 005 Desa/
Kec. Brebes, Kab. Brebes, Jawa Tengah 52212 Kel. Weleri, Kec. Weleri, Kab. Kendal, Jawa Tengah 51355
T: +62 283 672395 T: +62 294 3641042
F: +62 283 671222 F: +62 294 3641043
Kantor Fungsional – UMK
Functional Offices for SMEs
Purwodadi - Grobogan Setiabudi - Pati Mayong - Jepara
Jl. Ahmad Yani No. 15 RT. 004 RW. 004 Jl. Setiabudi 5D Pati Relokasi Ruko Tentrem Ruko Abadi Mayong Jl. Jepara-Kudus KM
Relokasi Jl. Ruko Cahaya Griya Mandiri Jl. Setiabudi No. 21E, Kel. Pati Kidul, Kec. 22, Kel. Mayonglor, Kec. Mayong, Kab.
Blok D Penganten, Kel. Nglejok Putat, Kec. Pati, Kab. Pati, Jawa Tengah 59115 Jepara, Jawa Tengah 59465
Purwodadi, Kab. Grobogan, Jawa Tengah T:- T:-
58112 F:- F:-
T:-
F:-
106
Ikhtisar Kinerja
DAERAH ISTIMEWA YOGYAKARTA
2024 SPECIAL REGION FOR YOGYAKARTA
Kantor Cabang
Laporan Branch Offices
Manajemen
Yogyakarta - Balapan Kemakmuran
Jl. Balapan Kemakmuran No. 11, Kel. Klitren, Kec. Gondokusuman,
PROFIL Kota Yogyakarta, DI Yogyakarta 55222
PERUSAHAAN T: +62 274 561372
F: +62 274 561383
Analisis dan
Pembahasan Kantor Cabang Pembantu
Manajemen Sub-Branch Offices
Katamso - Yogyakarta
Tinjauan Ruko Gondomanan Square Jl. Bridjen Katamso No. 37, Kel. Prawirodirjen,
Pendukung Kec. Gondomanan, Kota Yogyakarta, DI Yogyakarta 55121
Bisnis T: +62 274 410497
F: +62 274 410498
Tata Kelola
Perusahaan Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Laporan Kaliurang - Sleman Ringroad - Yogyakarta Kalasan - Sleman
Keberlanjutan Jl. Kaliurang KM 8,1 Prujakan RT. 004 RW. Jl. Ringroad Utara RT. 28 RW. 16 Mancasan, Jl. Raya Yogya Solo Km 105 Dukuh
033, Kel. Sinduharjo, Kec. Ngaglik, Kab. Kel. Condong Catur, Kec. Depok, Kab. Sorogenen 1, Kel. Purwomartani, Kec.
Sleman, DI Yogyakarta 55581 Sleman, DI Yogyakarta 55283 Kalasan, Kab. Sleman, DI Yogyakarta 55571
T: +62 274 8722600 T: +62 274 8722345 T: +62 274 498251
F: +62 274 885219 F: +62 274 8722350 F: +62 274 497636
JAWA TIMUR
EAST JAVA
Kantor Cabang
Branch Offices
Malang - Basuki Rahmat Jember - Sudirman Kediri - Erlangga
Jl. Basuki Rahmat No. 58 RT. 008 RW. 009, Jl. PB Sudirman No. 14, Kel. Jember Lor, Jl. Erlangga No. 32-34 RT. 002 RW. 010,
Kel. Kauman, Kec. Klojen, Kota Malang, Kec. Patrang, Kab. Jember, Jawa Timur Kel. Ngadirejo, Kec. Kota, Kota Kediri, Jawa
Jawa Timur 65119 68117 Timur 64132
T: +62 341 360036 T: +62 331 481040 T: +62 354 683388
F: +62 341 360015 F: +62 331 481419 F: +62 354 683399
Madiun - Sumatera Mojokerto - Pahlawan Gresik - RA Kartini
Jl. Sumatera No. 25 RT. 031 RW. 008, Kel. Ruko Royal Regency R1 Jl. Pahlawan No. Jl. RA Kartini No. 236 Kav 7, Kel. Sidomoro,
Madiun Lor, Kec. Manguharjo, Kota Madiun, 7 Ruko Royal Regency R1, Kel. Balongsari, Kec. Kebomas, Kab. Gresik, Jawa Timur
Jawa Timur 63127 Kec. Magersari, Kota Mojokerto, Jawa 61122
T: +62 351 493493 Timur 61322 T: +62 31 3991920
F: +62 351 493492 T: +62 321 390757 F: +62 31 3991921
F: +62 321 390805
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Kantor Cabang
Branch Offices
Bojonegoro - Untung Suropati Banyuwangi - Basuki Rahmat Surabaya - Diponegoro
Jl. Untung Suropati No. 53 RT. 007 RW. Jl. Basuki Rahmad No. 61 RT. 001 RW. 003, Jl. Diponegoro No. 64 RT. 006 RW. 014, Kel.
003, Kel. Sumbang, Kec. Bojonegoro, Kab. Kel. Singotrunan, Kec. Banyuwangi, Kab. Dr Soetomo, Kec. Tegalsari, Kota Surabaya,
Bojonegoro, Jawa Timur 62155 Banyuwangi, Jawa Timur 68413 Jawa Timur 60264
T: +62 353 885848 T: +62 333 418777 T: +62 31 5671717
F: +62 353 885750 F: +62 333 418799 F: +62 31 5671616
Kantor Cabang Pembantu
Sub-Branch Offices
ITC Mega Grosir - Surabaya J. A. Suprapto - Malang Kembang Jepun - Surabaya
ITC Mega Grosir Ground Floor BT No. 1 C Jl. Ruko Blok B3 Jl. Jaksa Agung Suprapto No. Jl. Kembang Jepun No. 86 RT. 003 RW.
Gembong No. 20-30 LT G BT O1 C RT. 003 40 RT. 009 RW. 001, Kel. Rampal Claket, 005, Kel. Nyamplungan, Kec. Pabean
RW. 010, Kel. Kapasan, Kec. Simokerto, Kota Kec. Klojen, Kota Malang, Jawa Timur 65111 Cantian, Kota Surabaya, Jawa Timur 60161
Surabaya, Jawa Timur 60141 T: +62 341 336060 T: +62 31 3523838
T: +62 31 3743188 F: +62 341 336015 F: +62 31 3545595
F: +62 31 3743133
Ir.Soekarno (MERR) - Surabaya Mayjen Sungkono - Surabaya Kepanjen - Malang
Ruko Promenade Kav 15 Jl. Dr. Ir. H.
Soekarno No. 15, Kel. Kedung Baruk, Kec.
Jl. Mayjen Sungkono No. 131 RT. 002 RW.
002, Kel. Dukuh Pakis, Kec. Dukuh Pakis,
Jl. Panglima Sudirman RT. 002 RW. 002,
Desa/Kel. Ngadilangkung, Kec. Kepanjen,
107
Rungkut, Kota Surabaya, Jawa Timur Kota Surabaya, Jawa Timur 60225 Kab. Malang, Jawa Timur 65163
60298 T: +62 31 5616151 T: +62 341 398800 2024
T: +62 31 87851717 F: +62 31 5616160 F: +62 341 398448 Performance
F: +62 31 87856788 Highlights
Ngurah Rai - Tulungagung Ahmad Yani - Sidoarjo Gatot Subroto - Jombang
Jl. I Gusti Ngurah Rai No. 63, Kel. Jepun, Jl. Ahmad Yani No. 24 RT. 023 RW. 004, Jl. Gatot Subroto No. 126 RT. 001 RW. Management
Kec. Tulungagung, Kab. Tulungagung, Jawa Kel. Sidokumpul, Kec. Sidoarjo, Kab. 001, Kel. Mojongapit, Kec. Jombang, Kab. Report
Timur 66218 Sidoarjo, Jawa Timur 61212 Jombang, Jawa Timur 61413
T: +62 355 323999 T: +62 31 8074777 T: +62 321 868031
F: +62 355 337323 F: +62 31 8074778 F: +62 321 868033
COMPANY
Sendang Harjo - Tuban Tjiwi Kimia - Sidoarjo Promenade Taman Asri - Sidoarjo PROFILE
Jl. Basuki Rahmat No. 42 RT. 001 RW. 005, Gedung Tjiwi Kimia Jl. Raya Surabaya- Komplek Pertokoan Promenade Taman Asri
Kel. Sendangharjo, Kec. Tuban, Kab. Tuban, Mojokerto KM 44, Desa/Kel. Kramat Kav TA 02-03 Jl. Raya Taman Asri Pondok
Jawa Timur 62319 Temenggung, Kec. Tarik, Kab. Sidoarjo, Tjandra Indah RT. 25 RW. 08, Kel. Tambak Management
T: +62 356 326777 Jawa Timur 61265 Sumur, Kec. Waru, Kab. Sidoarjo, Jawa Discussion
F: +62 356 329425 T: +62 321 360377 Timur 61256 and Analysis
F: +62 321 360380 T: +62 31 99691717
F: +62 31 99681616
Business
Kantor Fungsional Operasional (KFO) Funding Support
Funding Operational Functional Offices Overview
Mpu Nala - Mojokerto Krian - Sidoarjo Rungkut - Surabaya
Jl. Mpu Nala No. 85 RT. 003 RW. 003, Kel. Jl. Imam Bonjol No. 2A RT. 033 RW. 008 Jl. Jemur Andayani No. 11 RT. 002 RW. 008,
Corporate
Balongsari, Kec. Magersari, Kota Mojokerto, Desa Ngingas, Kel. Krian, Kec. Krian, Kab. Kel. Jemurwonosari, Kec. Wonocolo, Kota
Governance
Jawa Timur 61316 Sidoarjo, Jawa Timur 61262 Surabaya, Jawa Timur 60237
T: +62 321 332101 / 332095 T: +62 31 8984459 T: +62 31 8484782
F: +62 321 320111 F: +62 31 8984460 F: +62 31 8484780
Sustainability
Singosari - Malang Mojosari - Mojokerto Tamansari - Bondowoso Report
Jl. Panglima Sudirman Kav 148 H RT. 003 Ruko Royal Regency Blok RA 01 Jl. Jl. Kis Mangunsarkoro No. 431, Kel.
RW. 009, Kel. Pagentan, Kec. Singosari, Airlangga RT. 003 RW. 002 Pekukuhan, Kel. Tamansari, Kec. Bondowoso, Kab.
Kab. Malang, Jawa Timur 65153 Seduri, Kec. Mojosari, Kab. Mojokerto, Jawa Bondowoso, Jawa Timur 68216
T : +62 341 454914 Timur 61382 T: +62 332 5551987
F : +62 341 454915 T: +62 321 590381 F: +62 341 826797
F: +62 321 590402
Dewi Sartika - Batu Alun-Alun Timur - Ponorogo Gajah Mada - Banyuwangi
Jl. Dewi Sartika No. 28 B RT. 005 RW. 009, Jl. Alon-Alon Timur No. 4 RT. 002 RW. 003 Jl. Gajah Mada Kav 14 RT. 008 RW. 003,
Kel. Temas, Kec. Batu Kota, Kota Batu, Jawa Lingkungan Krajan, Kel. Mangkujayan, Kec. Kel. Genteng Kulon, Kec. Genteng, Kab.
Timur 65315 Ponorogo, Kab. Ponorogo, Jawa Timur Banyuwangi, Jawa Timur 68465
T : +62 341 591198 63413 T: +62 333 846784
F : +62 341 591177 T: +62 352 487388 F: +62 333 848783
F: +62 352 487288
Ahmad Yani - Jember
Jl. Ahmad Yani No. 85, Kel. Kepatihan, Kec.
Kaliwates, Kab. Jember, Jawa Timur 68137
T : +62 331 481399
F:-
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Kantor Fungsional – UMK
Functional Offices for SMEs
Airlangga - Mojokerto
Ruko Royal Regency Blok RA 01 Jl. Airlangga RT. 003 RW. 002, Kel. Pekukuhan,
Kec. Mojosari, Kab. Mojokerto, Jawa Timur 61382
T : +62 321 590397
F : +62 321 590402
BANTEN
Kantor Cabang
Branch Offices
Tangerang - BSD GOP 6
Green Office Park 6-BSD City Wing A-Ground Floor Jl. Grand Boulevard BSD
Green Office Park BSD City, Kel. Sampora, Kec. Cisauk, Kab. Tangerang, Banten 15345
T: +62 21 2958 0233
108 F: +62 21 2958 0235
Kantor Cabang Pembantu
Ikhtisar Kinerja
Sub-Branch Offices
2024
Indah Kiat Serpong - TangSel Alam Sutera - TangSel Otista - Tangerang
Wisma Indah Kiat A Building 1st Floor Komp. Perumahan Alam Sutera Jl. Jalur Ruko Otista Jl. Otista No. 05 B RT. 001 RW.
Laporan
Jl. Raya Serpong KM 8, Kel. Pakulonan, Sutera Kav 29 D No. 25, Kel. Pakualam, 002, Kel. Gerendeng, Kec. Karawaci, Kota
Manajemen
Kec. Tangerang, Kota Tangerang Selatan, Kec. Serpong, Kota Tangerang Selatan, Tangerang, Banten 15113
Banten 15325 Banten 15320 T: +62 21 55768290
PROFIL T: +62 21 53120271 T: +62 21 53141101 F: +62 21 55768521
PERUSAHAAN F: +62 21 53120277 F: +62 21 53141079
Kapt. Soebijanto BSD - TangSel Gading Serpong - Tangerang BSD Golden Boulevard - TangSel
Analisis dan Wisma BCA Wing A/ Ground Floor Jl. Jl. Gading Serpong Boulevard Ruko Ruko Golden Boulevard Jl. Pahlawan
Pembahasan Kapten Soebijanto Djojohadikusumo BSD Alexandrite Blok ALX 3 No. 23 Gading Seribu Blok G1 No. 06-07 BSD City, Kel.
Manajemen City Tangerang, Kel. Lengkong Gudang, Serpong Tangerang, Kel. Curug Lengkong Karya, Kec. Serpong Utara, Kota
Kec. Serpong, Kota Tangerang Selatan, Serengseng, Kec. Kelapa Dua, Kab. Tangerang Selatan, Banten 15310
Banten 15322 Tangerang, Banten 15810 T: +62 21 53161305
Tinjauan T: +62 21 53167170 T: +62 21 22228886 F: +62 21 53161304
Pendukung F: +62 21 53167192 F: +62 21 22227677
Bisnis
Indah Kiat - Serang Mahkota Mas - Cilegon
Gedung PT. Indah Kiat Pulp & Paper Jl. Komplek Cilegon Green Mega blok B1 No.
Tata Kelola Raya Serang KM 76, Kel. Kragilan, Kec. 5 Jl. Raya Ahmad Yani, Desa/Kel. Cibeber,
Perusahaan Kragilan, Kab. Serang, Banten 42184 Kec. Cilegon, Kota Cilegon, Banten 42426
T: +62 254 280979 T: +62 254 393953
Laporan F: +62 254 280292 F: +62 254 393923
Keberlanjutan
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
SOF Grand Arkade Cikupa - Tangerang SOF Balaraja - Tangerang SOF TangCity - Tangerang
Ruko Grand Arkade Blok VB No. 10 & 12, Jl. Raya Serang KM 24 No. 3-4 RT. 002 RW. Ruko Tangerang City Bussines Park Blok B
Desa/Kel. Mekar Bakti, Kec. Panongan, Kab. 002, Kel. Balaraja, Kec. Sentul Jaya, Kab. 19-21 Jl. Jend. Sudirman No. 1 RT. 001 RW.
Tangerang, Banten 15710 Tangerang, Banten 15610 005, Kel. Cikokol, Kec. Tangerang, Kota
T : +62 21 22028246 T: +62 21 5953585/ 5954556 Tangerang, Banten 15118
F:- F: +62 21 5954587 T : +62 21 29239111
F:-
SOF Taktakan - Serang OTO Cikokol - Tangerang
Komp. Ruko Titan Arum Blok H2 Jl. Serang Jl. Mohammad Husni Thamrin Cikokol
KM 3 No. 4C, Kel. Drangong, Kec. Taktakan, Kompleks Mahkota Mas Blok J No. 39 RT.
Kota Serang, Banten 42162 003 RW. 010, Kel. Cikokol, Kec. Tangerang,
T : +62 254 8242783 / 8242676 / 200064 Kota Tangerang, Banten 15117
F:- T:-
F:-
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BALI
Kantor Cabang
Branch Offices
Denpasar - Mpu Tantular
Jl. Mpu Tantular No. 8, Kel. Dangin Puri Kelod, Kec. Denpasar Timur, Kota Denpasar, Bali 80234
T: +62 361 230055
F: +62 361 230022
Kantor Cabang Pembantu
Sub-Branch Offices
Gatot Subroto - Denpasar Ahmad Yani - Tabanan Ubud - Gianyar
Jl. Gatot Subroto Tengah No. 100 C-D, Kel. Jl. Ahmad Yani No. 2, Kel. Banjar Anyar, Jl. Raya Andong Br Petulu, Kel. Petulu, Kec.
Tonja, Kec. Denpasar Timur, Kota Denpasar, Kec. Kediri, Kab. Tabanan, Bali 82123 Ubud, Kab. Gianyar, Bali 80571
Bali 80238 T: +62 361 9315778 T: +62 361 4792727
T: +62 361 264393 F: +62 361 815390 F: +62 361 4792728
F: +62 361 264378
Ngurah Rai - Singaraja Ngurah Rai - Badung Dharma Giri - Gianyar
Jl. Ngurah Rai No. 8 Kota Singaraja, Kel.
Kendran, Kec. Buleleng, Kab. Buleleng, Bali
Jl. By Pass Ngurah Rai No. 188, Kel. Benoa,
Kec. Kuta Selatan, Kab. Badung, Bali 80363
Jl. Dharma Giri No. 4C, Kel. Gianyar, Kec.
Gianyar, Kab. Gianyar, Bali 80511 109
81112 T: +62 361 8498195 T: +62 361 8958311
T: +62 362 22799 F: +62 361 8498196 F: +62 361 8958312
2024
F: +62 362 22850
Performance
Highlights
NUSA TENGGARA BARAT Management
WEST NUSA TENGGARA Report
Kantor Cabang
Branch Offices
COMPANY
Mataram - Pejanggik PROFILE
Jl. Pejanggik No. 24, Kel. Mataram Barat,
Kec. Selaparan, Kota Mataram, NTB 83126
T: +62 370 644999 Management
F: +62 370 640135 Discussion
and Analysis
Kantor Cabang Pembantu
Sub-Branch Offices
Business
Pejanggik - Mataram Zainuddin - Lombok Timur Gajah Mada - Bima
Support
Jl. Pejanggik, Kel. Cakranegara Barat, Kec. Jl. TGKH M Zainuddin Abdul Madjid, Kel. Jl. Gajah Mada No. 6 Karara, Kel.
Overview
Cakranegara, Kota Mataram, NTB 83239 Pancor, Kec. Selong, Kab. Lombok Timur, Monggonao, Kec. Mpunda, Kota Bima, NTB
T: +62 370 633222 NTB 83611 84111
F: +62 370 629863 T: +62 376 21999 T: +62 374 44111
F: +62 376 22066 F: +62 374 43018 Corporate
Governance
Kantor Fungsional Operasional (KFO) Lending
Lending Operational Functional Offices
Sustainability
Praya - Lombok Tengah Report
Jl. Jend. Sudirman No. 55-57, Kel. Praya,
Kec. Praya, Kab. Lombok Tengah, NTB 83511
T : 08888779975
F:-
NUSA TENGGARA TIMUR
EAST NUSA TENGGARA
Kantor Cabang
Branch Offices
Kupang - Flores
Jl. Flores No. 8, Kel. Fatubesi, Kec. Kota Lama, Kota Kupang, NTT 85226
T: +62 380 829799
F: +62 380 828611
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Kantor Cabang Pembantu
Sub-Branch Offices
Kelimutu - Ende Sudirman - Maumere
Jl. Kelimutu No. 58, Kel. Kelimutu, Kec. Ende Tengah, Kab. Ende, Jl. Jenderal Sudirman RT. 013 RW. 004, Kel. Waioti, Kec. Alok Timur,
NTT 86319 Kab. Sikka, NTT 86118
T: +62 381 2627433 T: +62 382 2425425
F: +62 381 2627435 F: +62 382 2425424
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Timor Raya - Kupang
Jl. Timor Raya KM 9, Kel. Oesapa, Kec. Kelapa Lima, Kota Kupang, NTT 85228
T : +62 380 8552053
F : +62 380 8552052
110 KALIMANTAN BARAT
WEST KALIMANTAN
Ikhtisar Kinerja Kantor Cabang
2024 Branch Offices
Pontianak - Gajah Mada
Laporan Jl. Gajah Mada No. 1 A-B RT. 001 RW. 024, Kel. Benua Melayu Darat, Kec. Pontianak Selatan, Kota Pontianak, Kalimantan Barat 78122
Manajemen T: +62 561 766100
F: +62 561 767074
PROFIL
PERUSAHAAN Kantor Cabang Pembantu
Sub-Branch Offices
Analisis dan Suprapto - Ketapang Adi Sucipto - Pontianak MT Haryono - Sintang
Pembahasan Jl. Letjen R Suprapto No. 30, Kel. Tengah, Jl. Adi Sucipto No. 10, Kel. Bangka Belitung Jl. MT Haryono RT. 010 RW. 003, Kel.
Manajemen Kec. Delta Pawan Ketapang, Kab. Ketapang, Darat, Kec. Pontianak Tenggara, Kota Kapuas Kanan Hulu, Kec. Sintang, Kab.
Kalimantan Barat 78812 Pontianak, Kalimantan Barat 78124 Sintang, Kalimantan Barat 78614
T: +62 534 3037100 T: +62 561 581617 T: +62 565 2028298
Tinjauan F: +62 534 3037130 F: +62 561 581025 F: +62 565 2028456
Pendukung
Bisnis
Tata Kelola
Perusahaan KALIMANTAN TENGAH
CENTRAL KALIMANTAN
Laporan Kantor Cabang
Keberlanjutan Branch Offices
Palangkaraya - Tjilik Riwut
Jl. Tjilik Riwut KM 1 No. 68, Kel. Palangka, Kec. Jekan Raya, Kota Palangkaraya, Kalimantan Tengah 73112
T: +62 536 3247070
F: +62 536 3247080
Kantor Cabang Pembantu
Sub-Branch Offices
A.Yani - Sampit Pangeran Antasari - Pangkalan Bun
Jl. A Yani No. 155 RT. 023 RW. 001, Kel. Mentawai Baru Hulu, Kec. Jl. Pangeran Antasari - Jl. H. Udan Said RT. 003 Kota Pangkalan
Mentawa Baru Ketapang, Kab. Kotawaringin Timur, Kalimantan Bun, Kel. Baru, Kec. Arut Selatan, Kab. Kotawaringin Barat,
Tengah 74322 Kalimantan Tengah 74113
T: +62 531 23488 T: +62 532 28900
F: +62 531 25355 F: +62 532 28910
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Sebabi - Kotawaringin Timur
Jl. Jendral Sudirman KM 85 RT. 010 RW. 001, Kel. Sebabi, Kec. Telawang, Kab. Kotawaringin Timur, Kalimantan Tengah 74353
T : +62 531 2068482
F : +62 531 2068493
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Page 113
KALIMANTAN SELATAN
SOUTH KALIMANTAN
Kantor Cabang
Branch Offices
Banjarmasin - MT Haryono
Jl. MT Haryono No. 40 RT. 006, Kel. Kertak Baru Ilir, Kec. Banjar Tengah, Kota Banjarmasin, Kalimantan Selatan 70111
T: +62 511 3351333
F: +62 511 3359000
Kantor Cabang Pembantu
Sub-Branch Offices
Batulicin - Tanah Bumbu A.Yani - Banjarmasin Sungai Danau - Tanah Bumbu
Jl. Raya Batulicin, Kel. Kampung Baru, Jl. A Yani KM 3 No. 104, Kel. Kebun Bunga, Jl. Propinsi No. 230 RT. 005 Dusun II, Kel.
Kec. Simpang Empat, Kab. Tanah Bumbu, Kec. Banjarmasin Timur, Kota Banjarmasin, Sungai Danau, Kec. Satui, Kab. Tanah
Kalimantan Selatan 72000 Kalimantan Selatan 70235 Bumbu, Kalimantan Selatan 72275
T: +62 518 70125 T: +62 511 3252882 T: +62 512 61167
F: +62 518 70124 F: +62 511 3252973 F: +62 512 61165
A.Yani - Martapura
Jl. A Yani KM 375, Kel. Sungai Paring, Kec.
111
Martapura, Kab. Banjar, Kalimantan Selatan
71213 2024
T: +62 511 4780456 Performance
F: +62 511 4788992 Highlights
Management
KALIMANTAN TIMUR Report
EAST KALIMANTAN
Kantor Cabang Pembantu COMPANY
Sub-Branch Offices PROFILE
Balikpapan - Sudirman Samarinda - Pangeran Antasari
Jl. Jend. Sudirman No. 7 RT. 032, Kel. Klandasan Ilir, Kec. Jl. Pangeran Antasari RT. 062 RW. 000, Kel. Teluk Lerong Ulu, Kec.
Balikpapan Kota, Kota Balikpapan, Kalimantan Timur 76113 Sungai Kunjang, Kota Samarinda, Kalimantan Timur 75127 Management
T: +62 542 7205775 T: +62 541 746110 Discussion
F: +62 542 7205705 F: +62 541 746120 and Analysis
Kantor Cabang Pembantu Business
Sub-Branch Offices Support
Tanjung Redeb - Berau Balikpapan Baru - Balikpapan Ahmad Dahlan - Samarinda Overview
Jl. SA Maulana No. 26-27 RT. 011, Kel. Komplek Balikpapan Baru, Ruko Sentral Jl. Ahmad Dahlan Ruko No. 3, Kel. Sungai
Tanjung Redeb, Kec. Tanjung Redeb, Kab. Eropa Blok AB7 No. 38, Kel. Damai Baru, Pinang Luar, Kec. Samarinda Kota, Kota
Berau, Kalimantan Timur 77311 Kec. Balikpapan Selatan, Kota Balikpapan, Samarinda, Kalimantan Timur 75117 Corporate
T: +62 554 2025888 Kalimantan Timur 76114 T: +62 541 746121 Governance
F: +62 554 2025356 T: +62 542 7204448 F: -
F: +62 542 7208886
Sustainability
PSM Sungai Basung - Kutai Barat Report
PT. Kruing Lestari Jaya Sungai Basung
Estate, Desa/Kel. Besiq, Kec. Damai, Kab.
Kutai Barat, Kalimantan Timur 75777
T : 082251044694
F:-
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
PSM3 Muara Wahau - Kutai Timur
Komplek Emplasment Jakluay, Kel. Jak Luay, Kec. Muara Wahau, Kab. Kutai Timur, Kalimantan Timur 75655
T:-
F:-
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KALIMANTAN UTARA
NORTH KALIMANTAN
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Tarakan - Yos Sudarso
Jl. Yos Sudarso No. 9, Kel. Selumit, Kec. Tarakan Tengah,
Kota Tarakan, Kalimantan Utara 77113
T: +62 551 32566
F: +62 551 32564
SULAWESI UTARA
NORTH SULAWESI
Kantor Cabang
Branch Offices
112 Manado - Sam Ratulangi
Jl. Sam Ratulangi No. 18, Kel. Wenang, Kec. Wenang,
Kota Manado, Sulawesi Utara 95111
Ikhtisar Kinerja T: +62 431 879584
2024 F: +62 431 879595
Kantor Cabang Pembantu
Laporan
Sub-Branch Offices
Manajemen
Wolter Monginsidi - Bitung
Jl. Wolter Monginsidi No. 14 D, Kel. Wagurer Timur,
PROFIL
Kec. Madidir, Kota Bitung, Sulawesi Utara 95541
PERUSAHAAN
T : +62 438 38511
F:-
Analisis dan
Pembahasan Kantor Fungsional Operasional (KFO) Funding
Manajemen Funding Operational Functional Offices
Babe Palar - Tomohon
Tinjauan Jl. Babe Palar, Kel. Matani 3, Kec. Tomohon Tengah,
Pendukung Kota Tomohon, Sulawesi Utara 95443
Bisnis T : +62 431 3159516
F:-
Tata Kelola
Perusahaan
SULAWESI TENGAH
Laporan CENTRAL SULAWESI
Keberlanjutan
Kantor Cabang
Branch Offices
Palu - Masjid Raya Lolu
Jl. Masjid Raya Lolu No. 10, Kel. Lolu Utara, Kec. Palu Selatan,
Kota Palu, Sulawesi Tengah 94125
T: +62 451 458058
F: +62 451 455911
Kantor Cabang Pembantu
Sub-Branch Offices
Luwuk - Banggai
Jl. Kompleks luwuk shopping Mall Blok Timur No. 21, Kel. Luwuk,
Kec. Luwuk, Kab. Banggai, Sulawesi Tengah 94700
T : +62 461 23555
F : +62 461 325141
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Dewi Sartika - Palu
Komp. Ruko Dewi Sartika Jl. Dewi Sartika, Kel. Birobuli Utara,
Kec. Palu Selatan, Kota Palu, Sulawesi Tengah 94231
T : +62 451 486444
F : +62 451 484141
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SULAWESI SELATAN
SOUTH SULAWESI
Kantor Cabang
Branch Offices
Makassar - Pengayoman
Komp. Panakukang Mas Jl. Pengayoman No. 182, Kel. Kawurisi Utara Masale,
Kec. Panakkukang, Kota Makassar, Sulawesi Selatan 90000
T: +62 411 4663001
F: +62 411 4663002
Kantor Cabang Pembantu
Sub-Branch Offices
Manggis - Makassar Veteran - Pare-Pare Langsat - Bone
Jl. Manggis No. 1 (Jl. Arief Rate), Kel. Losari, Jl. Veteran No. 40 RT. 001 RW. 004, Kel. Jl. Langsat, Kel. Macege, Kec. Tanete
Kec. Ujung Pandang, Kota Makassar, Ujung, Kec. Ujung Sabbang, Kota Pare- Riattang Barat, Kab. Bone, Sulawesi Selatan
Sulawesi Selatan 90144 pare, Sulawesi Selatan 91114 92733
T: +62 411 858700 T: +62 421 27328 T: +62 481 28679
F: +62 411 858477 F: +62 421 24935 F: +62 481 28783
Lagaligo - Palopo 113
Jl. Kelapa RT. 001 RW. 004, Kel. Lagaligo,
Kec. Wara, Kota Palopo, Sulawesi Selatan
91000 2024
T : +62 471 351165 Performance
F : +62 471 351165 Highlights
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices Management
Report
MTC - Makassar
Jl. A Yani MTC Lantai G Blok A No. 11-12, Kel. Baru, Kec. Ujung Pandang,
Kota Makassar, Sulawesi Selatan 90111 COMPANY
T : +62 411 3632992 PROFILE
F : +62 411 3632992
Kantor Fungsional Operasional (KFO) Lending Management
Lending Operational Functional Offices Discussion
Perintis Kemerdekaan - Makassar Sultan Hasanuddin - Gowa and Analysis
Jl. Perintis Kemerdekaan KM 11 No. 13 (Ruko Permata Biru) RT. Jl. Sultan Hasanuddin No. 102, Kel. Pandang-Pandang, Kec. Somba
001 RW. 003, Kel. Tamalanrea, Kec. Biringkanaya, Kota Makassar, Opu, Kab. Gowa, Sulawesi Selatan 92000
Sulawesi Selatan 90245 T: +62 411 889936 Business
T: +62 411 581898 F: +62 411 888159 Support
F: +62 411 4771800 Overview
Corporate
SULAWESI TENGGARA Governance
SOUTHEAST SULAWESI
Kantor Cabang Sustainability
Branch Offices Report
Kendari - MT. Haryono
Jl. MT Haryono No. 88 A, Kel. Wua-Wua, Kec. Kadia,
Kota Kendari, Sulawesi Tenggara 93117
T: +62 401 3193081 / 3191990
F: +62 401 3191911
Kantor Cabang Pembantu
Sub-Branch Offices
Bataraguru - Bau-Bau
Jl. Bataraguru No. 70, Kel. Wajo, Kec. Murhum,
Kota Bau – Bau, Sulawesi Tenggara 93721
T : +62 402 2811182
F:-
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Christina M. Tiahahu - Kendari Bunggasi - Kendari
Jl. Christina M Tiahahu (Ex. Jl. DI Panjaitan) RT. 001 RW. 001, Kel. Jl. Bunggasi RT. 001 RW. 002, Kel. Anduonohu, Kec. Poasia, Kota
Lepo-Lepo, Kec. Baruga, Kota Kendari, Sulawesi Tenggara 93116 Kendari, Sulawesi Tenggara 93232
T: +62 401 3191865 T: 085240134333
F: +62 401 3191865 F: -
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GORONTALO
Kantor Cabang
Branch Offices
Gorontalo - Agus Salim
Jl. KH Agus Salim (Basuki Rachmat) No. 11 RT. 003 RW. 004,
Kel. Limba B, Kec. Kota Selatan, Kota Gorontalo, Gorontalo 96115
T: +62 435 828365
F: +62 435 824370
Kantor Fungsional Operasional (KFO) Funding
Funding Operational Functional Offices
Jhon Ario Katili - Gorontalo
Jl. Prof. DR. Jhon Ario Katilli No. 296 (Ex. Jl. Andalas No. 296) RT. 002 RW. 001,
Kel. Paguyaman, Kec. Kota Tengah, Kota Gorontalo, Gorontalo 96127
T : +62 435 824115
F:-
114 SULAWESI BARAT
WEST SULAWESI
Ikhtisar Kinerja
2024 Kantor Cabang
Branch Offices
Laporan Mamuju - KS Tubun
Manajemen Jl. KS Tubun, Kel. Rimuku, Kec. Mamuju,
Kab. Mamuju, Sulawesi Barat 91511
T: +62 426 2323161
PROFIL
F: +62 426 2323162
PERUSAHAAN
Analisis dan
Pembahasan
Manajemen MALUKU
Kantor Cabang
Tinjauan Branch Offices
Pendukung
Bisnis Ambon - A Yani
Jl. Ahmad Yani RT. 006 RW. 001, Kel. Batu Meja,
Kec. Sirimau, Kota Ambon, Maluku 97125
Tata Kelola T: +62 911 321500 / 321501
Perusahaan F: +62 911 321508
Laporan Kantor Fungsional Operasional (KFO) Funding
Keberlanjutan Funding Operational Functional Offices
Sam Ratulangi - Ambon
Jl. Sam Ratulangi No. 78, Kel. Honipopu,
Kec. Sirimau, Kota Ambon, Maluku 97126
T : +62 911 321506 / 321509 / 321510
F:-
MALUKU UTARA
NORTH MALUKU
Kantor Cabang
Branch Offices
Ternate - Kamboja
Jl. Kamboja (Jl. Perikani) RT. 002 RW. 001, Kel. Takoma,
Kec. Ternate Selatan, Kota Ternate, Maluku Utara 97714
T: +62 921 3125100
F: +62 921 3128500
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PAPUA BARAT
WEST PAPUA
Kantor Cabang
Branch Offices
Yos Sudarso - Manokwari
Jl. Yos Sudarso No. 99, Kel. Sanggeng, Kec. Manokwari Barat,
Kota Manokwari, Papua Barat 98312
T : +62 986 216055
F : +62 986 216054
PAPUA
Kantor Cabang
Branch Offices
Jayapura - Pasifik Permai
Jl. Komp. Pasifik Permai Blk F No. 7-8, Kel. Bhayangkara,
Kec. Jayapura Utara, Kota Jayapura, Papua 99112 115
T: +62 967 550410
F: +62 967 550411
2024
Performance
Kantor Fungsional Operasional (KFO) Funding Highlights
Funding Operational Functional Offices
PT.SKIP Lereh - Jayapura
PT. SKIP Kasuari Mill, Kel. Lereh, Kec. Kaureh, Kab. Jayapura, Papua 99352 Management
T : 08114816162 Report
F:-
COMPANY
PROFILE
PAPUA SELATAN Management
SOUTH PAPUA Discussion
Kantor Cabang and Analysis
Branch Offices
Merauke - Mandala Business
Jl. Raya Mandala No. 428, Kel. Mandala, Support
Kec. Merauke, Kab. Merauke, Papua Selatan 99616 Overview
T : +62 971 324926
F:-
Corporate
Governance
PAPUA TENGAH Sustainability
CENTRAL PAPUA Report
Kantor Cabang Pembantu
Sub-Branch Offices
Merdeka - Nabire
Jl. Merdeka Ruko JDF No. 1, Kel. Karang Mulia,
Kec. Nabire, Kab. Nabire, Papua Tengah 98815
T : +62 984 23851
F : +62 984 23161
PAPUA BARAT DAYA
SOUTHWEST PAPUA
Kantor Cabang
Branch Offices
Sorong - A Yani
Jl. A Yani Kld I RT. 004 RW. 006 Distrik Sorong Kota,
Kel. Klakublik I, Kec. Sorong, Kota Sorong, Papua Barat Daya 98414
T : +62 951 333143
F : +62 951 332143
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Page 119
PEMBAHASAN DAN
ANALISIS MANAJEMEN
Management Discussion and Analysis
.04
Page 120
STRATEGI USAHA 2024
Business Strategy 2024
Pada tahun 2024, strategi dan kebijakan strategis yang In 2024, the strategies and strategic policies implemented
diterapkan oleh Bank untuk mendukung pencapaian usaha, by the Bank to support business performance include:
antara lain:
Penghimpunan Dana Pihak Ketiga Third-Party Funds Mobilization
• Melakukan tier-based approach dengan memfokuskan • Implementing a tier-based approach by focusing on
118 nasabah-nasabah existing yang mempunyai Asset Under
Management (AUM) <Rp500 juta.
existing customers with assets under management
(AUM) of less than Rp500 million.
Ikhtisar Kinerja
• Meningkatkan akuisisi nasabah baru, baik dari segi • Increasing the acquisition of new customers, both
2024 individu maupun korporasi. individual and corporate.
• Meningkatkan aktivitas dan promosi khusus segmentasi • Enhancing activities and promotional efforts targeting
Laporan prioritas dengan mengadakan berbagai kegiatan. the priority segment through various events.
Manajemen • Mengelola cost of fund. • Managing the cost of funds effectively.
Profil Penyaluran Dana Fund Distribution
Perusahaan
• Meningkatkan penyaluran kredit secara prudent • Increasing loan disbursement in a prudent and selective
dan selektif dengan mempertimbangkan prospek manner, considering strong business growth prospects.
ANALISIS DAN
PEMBAHASAN pertumbuhan usaha yang baik.
MANAJEMEN • Meningkatkan portofolio surat berharga, sebagai • Expanding the securities portfolio as an alternative
alternatif sumber pendapatan di luar kredit. income source beyond lending activities.
Tinjauan
Pendukung
Bisnis
Pengembangan Digital Banking Digital Banking Development
• Mengembangkan digital banking yang berfokus pada • Develop digital banking that focuses on customer
Tata Kelola pengalaman nasabah (customer experience centricity) experience centricity so as to develop features according
Perusahaan sehingga dapat mengembangkan fitur sesuai dengan to customer preferences & needs.
preferensi & kebutuhan nasabah.
Laporan • Melakukan inovasi secara berkelanjutan terhadap • Continuously innovating in the development of relevant
Keberlanjutan pengembangan produk dan layanan digital yang relevan digital products and services tailored to market needs.
dan sesuai dengan kebutuhan pasar.
• Memperkuat cyber security untuk memastikan keamanan • Strengthening cybersecurity to ensure secure
nasabah dalam bertransaksi. transactions for customers.
Peningkatan Pendapatan Operasional diluar Bunga Increase in Operating Income Excluding Interest
• Menjalin keagenan dan kerja sama pada sistem • Establishing agency relationships and partnerships in
pembayaran dan elektronic banking. payment systems and electronic banking.
• Berkolaborasi dengan pihak ketiga yang memiliki • Collaborating with third parties that have a broad
customer base yang luas dengan skema open banking. customer base through open banking schemes.
• Menambah fitur-fitur pada layanan internet dan mobile • Continuously enhancing internet and mobile banking
banking yang dilakukan sendiri atau melalui kerja features, either independently or in cooperation with
sama dengan pihak ketiga secara berkesinambungan third parties, while also developing payment systems on
melakukan pengembangan pada sistem pembayaran. an ongoing basis.
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TINJAUAN KINERJA PER SEGMEN USAHA
Performance Review Per Business Segment
PT. Bank Sinarmas Tbk. (“Bank Sinarmas” atau “Bank”) membagi PT. Bank Sinarmas Tbk. (“Bank Sinarmas” or “Bank”) divides
segmen usaha menjadi 5 (lima): Penghimpunan Dana Pihak its business segments into 5 (five): Third Party Funds
Ketiga; Penyaluran Kredit; Treasury; Ekspor dan Impor; serta Collection; Loan Disbursement; Treasury; Export and Import;
Perbankan Syariah. Uraian kinerja masing-masing segmen and Sharia Banking. The performance of each segment is
tersebut diungkapkan melalui pembahasan di bawah ini. disclosed through the following discussion.
PENGHIMPUNAN DANA FUND COLLECTION 119
Segmen usaha penghimpunan dana menyediakan produk dan The fund collection business segment offers products and
jasa yang mencakup giro, tabungan, dan deposito berjangka. services that include demand deposits, savings accounts, and
2024
Bank Sinarmas menyediakan pilihan beragam mata uang pada time deposits. Bank Sinarmas offers a variety of currency options Performance
produk giro, yakni dari Rupiah (Rp), Dolar Amerika Serikat (USD), for demand deposit products, namely Rupiah (Rp), United States Highlights
Dolar Singapura (SGD), Euro (EUR), Dolar Australia (AUD), Yen Dollars (USD), Singapore Dollars (SGD), Euros (EUR), Australian
Jepang (JPY), serta Yuan Tiongkok (CNY). Dollars (AUD), Japanese Yen (JPY), and Chinese Yuan (CNY). Management
Report
Sedangkan untuk deposito, mata uang yang dilayani adalah In time deposits, the currencies served are Rp, USD, AUD,
Rp, USD, AUD, JPY, dan CNY. Bank juga memberikan tenor JPY, and CNY. The tenor offered is longer, up to 36 months. Company
yang lebih panjang, yakni hingga 36 bulan. Profile
Sementara untuk tabungan, mata uang yang dilayani adalah Meanwhile, for savings, the currencies served are USD, SGD,
MANAGEMENT
USD, SGD, CNY, EUR, AUD, NZD, dan GBP. CNY, EUR, AUD, NZD, and GBP. DISCUSSION
AND ANALYSIS
Produk Penghimpunan Dana
Fund Collection Products
Business
Jenis Tabungan Uraian Support
Type of Savings Description
Overview
Tabungan untuk kegiatan usaha nasabah, baik nasabah perorangan maupun non-perorangan.
Tabungan Simas Bisnis Savings for customers’ business activities, both individual and non-individual customers
Tabungan premium yang memberikan berbagai keuntungan untuk nasabah. Corporate
Tabungan Simas Diamond Premium savings that offer various benefits for customers.
Governance
Tabungan reguler dengan tarif rendah dan menawarkan berbagai promo menarik sepanjang tahun.
Tabungan Simas Gold Regular savings with low fees and offer various attractive promotions throughout the year.
Tabungan untuk kebutuhan pembayaran payroll karyawan. Sustainability
Tabungan Simas Payroll Savings for employee payroll needs.
Report
Tabungan yang diperuntukkan bagi nasabah baru, pembukaan rekening 100% online dan mudah, serta
Tabungan Simas Digi memberikan keuntungan bebas biaya.
Savings for new customers, with 100% online and easy account opening, and offer fee-free benefits.
Tabungan dengan setoran bulanan untuk perencanaan keuntungan nasabah (saving goals) yang
Simas Tabungan Rencana (Simas TARA) dilengkapi dengan layanan auto debit.
Savings with monthly deposits for customer profit planning (saving goals) equipped with auto debit services.
Tabungan dalam bentuk kerja sama dengan pihak ketiga.
Tabungan Co-Branding Savings in the form of partnerships with third parties.
Tabungan untuk kebutuhan transaksi nasabah dengan perusahaan financial technology.
Tabungan RDP2P Savings for customer transaction needs with financial technology companies.
Tabungan dengan keuntungan menarik khusus diperuntukkan bagi nasabah investor yang memiliki
rekening dana nasabah di Bank Sinarmas.
Tabungan Simas Investor Savings with attractive benefits specifically for investor customers who have customer fund accounts at
Bank Sinarmas.
Tabungan untuk memenuhi kebutuhan transaksi dalam valuta asing nasabah.
Simas Valas Savings to meet customer foreign currency transaction needs
Tabungan dengan persyaratan mudah dan ringan untuk menumbuhkan budaya menabung masyarakat..
TabunganKu Savings with easy and light requirements to foster a savings culture among the community.
Tabungan yang khusus diperuntukkan bagi pelajar, mulai dari Pendidikan Anak Usia Dini (PAUD) sampai
dengan Sekolah Menengah Atas (SMA) atau sederajat untuk mendorong budaya menabung sejak dini.
Simpanan Pelajar Savings specifically for students, from Early Childhood Education (PAUD) to Senior High School (SMA) or
equivalent, to encourage saving habits from an early age.
Tabungan dengan layanan keuangan tanpa kantor dalam rangka keuangan inklusi (laku pandai) untuk
memperluas akses layanan perbankan masyarakat.
Simas Basic Savings Account Savings with branchless financial services in order to promote financial inclusion (Laku Pandai) to expand
public access to banking services.
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Fokus dan Strategi 2024
Untuk mendukung kinerja usaha pada segmen penghimpunan dana, fokus dan
strategi yang diterapkan oleh Bank sepanjang tahun 2024, antara lain :
1. Memperluas varian produk guna memenuhi kebutuhan nasabah di berbagai
tahapan siklus hidup, dengan tujuan mendukung diversifikasi dan optimalisasi
portofolio nasabah, termasuk melalui penawaran produk bancassurance dan
produk fee-based lainnya.
2. Mendukung inisiatif segmentasi prioritas sebagai bagian dari proposisi nilai
nasabah melalui implementasi program dan produk pendukung.
3. Mengembangkan potensi nasabah, khususnya melalui kanal daring, dengan
memanfaatkan mobile/internet banking untuk optimalisasi fee-based income,
pembukaan dan penempatan dana tanpa kunjungan fisik ke cabang, serta integrasi
sistem untuk pembukaan tabungan daring dan cross-selling produk lainnya.
4. Meningkatkan akuisisi nasabah baru melalui kemitraan, dengan memfasilitasi
pembukaan rekening tabungan daring untuk mendukung peningkatan literasi
keuangan di Indonesia melalui proses onboarding yang disederhanakan.
120 5. Menjalankan aktivitas dan pengembangan produk serta program untuk
meningkatkan pertumbuhan nasabah, Dana Pihak Ketiga (DPK) serta loyalitas
Ikhtisar Kinerja nasabah dengan fokus utama pada program CASA.
2024
6. Mengembangkan fitur dan layanan transaksi berbasis kartu ATM/Debit untuk
mendorong peningkatan volume transaksi dan pendapatan fee-based, serta
Laporan
Manajemen implementasi program berbasis transaksi untuk meningkatkan customer value.
Profil Di tahun 2024 Bank Sinarmas melengkapi fasilitas layanan priority banking dengan
Perusahaan peluncuran debit card Bank Sinarmas Prioritas.
ANALISIS DAN Kinerja Usaha 2024
PEMBAHASAN
MANAJEMEN
Pada tahun buku 2024, Bank membukukan simpanan nasabah sebesar Rp36.535
miliar, naik 4,86% dibandingkan tahun sebelumnya yang Rp34.841 miliar. Komposisi
Tinjauan simpanan tersebut: giro sebesar 44,19%, tabungan 30,79%, dan deposito 25,02%.
Pendukung
Bisnis
Focus and Strategy 2024
To support business performance in the fund collection segment, the Bank laid the
Tata Kelola
Perusahaan focus and executed the following strategies throughout 2024:
1. Expanding product variants to meet customer needs at various stages of the life
Laporan cycle, with the aim of supporting diversification and optimization of customer portfolios
Keberlanjutan through e.g. offering bancassurance products and other fee-based products.
2. Supporting priority segmentation initiatives as part of the customer value
proposition through the implementation of supporting programs and products.
3. Developing customer potential, especially through online channels, by utilizing
mobile/internet banking to optimize fee-based income, opening and placing
funds without customer physical visits to branches, and system integration for
DANA PIHAK KETIGA
opening online savings and cross-selling other products. Third-Party Funds
4. Increasing new customer acquisition through partnerships, by facilitating dalam juta Rupiah | in millions Rupiah
the opening of online savings accounts to help enhance financial literacy in
Indonesia through a simplified onboarding process.
5. Carrying out activities and product development and programs to accelerate
44.819.964
44.468.918
customer growth, Third Party Funds (DPK) while enhancing customer loyalty
42.146.136
38.714.035
and keeping the main focus on the CASA program.
36.756.555
6. Developing ATM/Debit card-based transaction features and services to
encourage increased transaction volume and fee-based income, as well as the
implementation of transaction-based programs to increase customer value.
In 2024, Bank Sinarmas completed its priority banking service facilities with the
launch of the Bank Sinarmas Prioritas debit card.
Business Performance 2024 20 21 22 23 24
In fiscal 2024, the Bank recorded customer deposits of Rp36,535 billion, up 4.86%
compared to Rp34,841 billion in 2023. The composition of these deposits is as follows:
demand deposits with 44.19%, savings with 30.79%, and time deposits with 25.02%. Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 123
121
2024
Performance
Highlights
Management
Report
Company
Profile
Kenaikan Dana Pihak Ketiga dikontribusikan dari seluruh The increase in Third Party Funds was contributed from
MANAGEMENT
simpanan yaitu giro, tabungan dan deposito sejalan dengan all deposits, namely demand deposits, savings and time DISCUSSION
strategi Bank yaitu meningkatkan customer base baik retail deposits in line with the Bank’s strategy to increase its AND ANALYSIS
maupun korporasi dan meningkatkan penghimpunan Dana customer base, both retail and corporate, and increase
Pihak Ketiga melalui program promosi yang berdasarkan the collection of Third Party Funds through promotional Business
tier-based approach untuk nasabah baru maupun existing. programs based on a tier-based approach for new and Support
existing customers. Overview
Komposisi Simpanan Konvensional
Composition of Conventional Deposits Corporate
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Governance
Pertumbuhan
(Penurunan) (%)
Keterangan 2024 2023 2022 Description
Growth Sustainability
(Decrease) Report
Giro 16.144.688 14.584.229 13.520.363 10,70 Demand Deposit
Tabungan 11.247.587 10.564.963 9.775.656 6,46 Saving
Deposito Berjangka 9.142.343 9.691.539 8.823.996 (5,67) Time Deposit
Jumlah 36.534.618 34.840.731 32.120.015 4,86 Total
Komposisi Giro Konvensional
Composition of Conventional Demand Deposit
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024 2023 Pertumbuhan
(Penurunan) (%)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth
Composition Composition (Decrease)
Pihak Berelasi 4.597.735 28,48 4.928.596 33,79 (2,27) Related Party
Pihak Ketiga 11.546.953 71,52 9.655.633 66,21 12,97 Third Party
Jumlah 16.144.688 100,00 14.584.229 100,00 10,70 Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 124
Bank membukukan simpanan nasabah dalam bentuk giro The Bank recorded customer deposits in the form of
konvensional pada tahun 2024 senilai Rp16.145 miliar, conventional demand deposits in 2024 of Rp16,145 billion,
meningkat 10,70% dibandingkan tahun sebelumnya sebesar an increase of 10.70% compared to Rp14,584 billion in the
Rp14.584 miliar. Sebagian besar giro tersebut berasal dari previous year. The figure came mostly from third parties,
pihak ketiga, yaitu 71,52% dari jumlah giro konvensional. accounting for 71.52% of the total conventional demand
deposits.
Kinerja Produk Tabungan Konvensional
Performance of Conventional Savings
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024 2023 Pertumbuhan
(Penurunan) (%)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth
Composition Composition (Decrease)
Pihak Berelasi 101.927 0,91 81.369 0,77 25,27 Related Party
Pihak Ketiga 11.145.660 99,09 10.483.594 99,23 6,32 Third Party
122 Jumlah 11.247.587 100,00 10.564.963 100,00 6,46 Total
Ikhtisar Kinerja
Nilai tabungan konvensional yang terhimpun mencapai The amount of conventional savings collected reached
2024 Rp11,248, naik 6,46% dibandingkan tahun sebelumnya, yaitu Rp11,248, up 6.46% compared to the previous year, which
sebesar Rp10.565 miliar. Sebagian besar tabungan tersebut stood at Rp10,565 billion. The figure came mostly from the
Laporan berasal dari pihak ketiga yang mencapai 99,09%. savings of third parties, accounting for 99.09%.
Manajemen
Kinerja Produk Deposito Berjangka Konvensional
Profil Performance of Conventional Time Deposits
Perusahaan dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024 2023 Pertumbuhan
ANALISIS DAN (Penurunan) (%)
Keterangan Komposisi Komposisi Description
PEMBAHASAN Nominal Nominal Growth
Composition Composition (Decrease)
MANAJEMEN
Pihak Berelasi 934.373 10,22 906.764 9,36 3,04 Related Party
Tinjauan Pihak Ketiga 8.207.970 89,78 8.784.775 90,64 (6,57) Third Party
Pendukung
Jumlah 9.142.343 100,00 9.691.539 100,00 5,67 Total
Bisnis
Tata Kelola Jumlah deposito berjangka konvensional pada tahun 2024 The amount of conventional time deposits in 2024 reached
Perusahaan mencapai Rp9.142, lebih rendah 5,67% dibandingkan tahun Rp9,142, 5.67% lower than the previous year, which stood at
sebelumnya yang sebesar Rp9.692 miliar. Sebagian besar Rp9,692 billion. The figure mostly came from third parties,
Laporan deposito tersebut berasal dari pihak ketiga, yaitu sebesar accounting for 89.78%.
Keberlanjutan 89,78%.
Kinerja Deposito Berjangka Konvensional berdasarkan Waktu
Performance of Conventional Time Deposit
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024 2023 Pertumbuhan
(Penurunan) (%)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth
Composition Composition (Decrease)
< 1 bulan 534.570 5,85 1.841.217 19,00 (70,97) Less than 1 month
1 bulan 5.172.118 56,57 4.807.975 49,61 7,57 1 month
3 bulan 1.860.998 20,36 1.723.129 17,78 8,00 3 months
6 bulan 638.354 6,98 719.987 7,43 (11,34) 6 months
12 bulan 713.631 7,81 585.014 6,04 21,99 12 months
> 12 bulan 222.672 2,44 14.217 0,15 1.466,24 Longer than 12 months
Jumlah 9.142.343 100,00 9.691.539 100,00 (5,67) Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 125
Rencana Strategis 2025 Strategic Plan 2025
1. Melakukan identifikasi dan penambahan nasabah 1. Identify and add existing customers, both individuals and
existing, baik individu maupun korporasi dengan fokus corporations, focusing on low-cost funding through top-
kepada pendanaan murah dengan program top up up and cross-sell programs.
maupun cross sell.
2. Meningkatkan akuisisi dan top up nasabah korporasi 2. Improve corporate Internet banking features and offer
dengan meningkatkan fitur internet banking corporate, services for corporate transactions such as payroll,
menawarkan layanan untuk transaksi korporasi seperti bill payments, virtual accounts, and so on to increase
payroll, bill payment, virtual account dan sebagainya. customer acquisition and top-up.
3. Melanjutkan fokus pada inisiatif segmentasi prioritas 3. Continue to focus on priority segmentation initiatives
dengan ekspansi basis nasabah baru dan memperdalam by expanding the new customer base and deepening
relasi melalui program dan produk tambahan. relationships through additional programs and products.
4. Mengeksplorasi potensi nasabah, khususnya melalui 4. Explore customer potential, primarily through digital
kanal digital, dengan memanfaatkan mobile/internet channels, by utilizing mobile/internet banking to optimize
banking untuk optimalisasi fee-based income, fee-based income, opening and placing funds without
pembukaan dan penempatan dana tanpa kunjungan
fisik ke cabang, serta integrasi sistem untuk pembukaan
physical visits to branches, and system integration for
opening online savings and cross-selling other products.
123
tabungan daring dan cross-selling produk lainnya.
2024
5. Memperluas akuisisi nasabah baru melalui kemitraan, 5. Expand new customer acquisition through partnerships Performance
dengan memfasilitasi pembukaan rekening tabungan by facilitating the opening of online savings accounts to Highlights
daring untuk mendukung peningkatan literasi support increased financial literacy in Indonesia through
keuangan di Indonesia melalui proses onboarding yang a simplified onboarding process, including collaboration Management
disederhanakan, termasuk kolaborasi dengan institusi with educational institutions such as schools and Report
pendidikan seperti sekolah dan universitas. universities.
6. Mengembangkan program berbasis kartu ATM/Debit 6. Develop ATM/Debit card-based programs to encourage Company
untuk mendorong peningkatan volume transaksi dan increased transaction volume and fee-based income and Profile
pendapatan fee-based, serta meningkatkan customer increase customer value that correlates with increased
value yang berkorelasi dengan peningkatan penempatan placement of funds in the Bank.
MANAGEMENT
dana di Bank. DISCUSSION
7. Memperluas basis nasabah yang memiliki kebutuhan 7. Expand the customer base that needs forex exposure and AND ANALYSIS
akan forex exposure dan trade finance, sebagai fondasi trade finance, laying the foundation for the development
bagi pengembangan produk perbankan valuta asing of other foreign exchange banking products. Business
lainnya. Support
8. Melakukan evaluasi secara berkala terhadap kebijakan 8. Periodically evaluate the pricing policies applicable to Overview
pricing yang berlaku pada setiap produk, yang each product, which are aligned with the Bank’s strategy,
diselaraskan dengan strategi Bank, dinamika industri the dynamics of the banking industry, funding needs to Corporate
perbankan, kebutuhan pendanaan untuk mendukung support credit distribution, and increasing core funding in Governance
penyaluran kredit, dan peningkatan core funding dalam the long term.
jangka panjang. Sustainability
9. Meningkatkan aksesibilitas kanal selain mobile banking 9. Increase the accessibility of channels other than mobile Report
dan internet banking untuk memfasilitasi kemudahan banking and Internet banking to facilitate easy banking
transaksi perbankan bagi nasabah, melalui kolaborasi transactions for customers through collaboration with
dengan mitra yang memiliki jaringan ekstensif dan partners who have extensive networks and leading
reputasi terkemuka. reputations.
10. Mengintegrasikan fitur tambahan pada mobile banking 10. Integrate additional features on Bank Sinarmas mobile
Bank Sinarmas untuk memfasilitasi cross-selling banking to facilitate cross-selling of non-bank products,
produk non-bank, seperti pembelian Reksadana dan such as purchasing Mutual Funds and Bancassurance.
Bancassurance.
11. Memperkuat ekosistem bisnis nasabah korporasi di 11. Strengthen the business ecosystem of corporate
seluruh cabang Bank, dengan tujuan meningkatkan customers in all Bank branches, to increase the volume
volume Dana Pihak Ketiga. of Third Party Funds.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 126
PENYALURAN KREDIT LOANS DISBURSEMENT
Penyaluran kredit merupakan aktivitas Bank dalam Loans disbursement is the Bank’s activity in funneling loans to
menyalurkan pembiayaan kepada nasabah, baik pembiayaan customers for working capital, investment, and consumption.
untuk modal kerja, investasi, maupun konsumsi. Segmentasi The Bank’s loans disbursement segmentation is divided into
penyaluran kredit Bank terbagi menjadi usaha mikro, kecil micro, small and medium enterprises (MSME), commercial,
dan menengah (MSME), komersial, korporat, dan konsumsi corporate, and consumer.
(consumer).
Produk Penyaluran Kredit
Lending Products
Jenis Produk
Uraian Description
Type of Product
Segmen Mikro
Micro Segment
Simas Kredit Usaha Rakyat (KUR) Terdiri dari : Consisting of:
• KUR Mikro • Micro KUR
124 • KUR Kecil
• KUR Khusus, kredit yang diberikan ke para pelaku
• Small KUR
• Special KUR, credit given to agribusiness (farmers
usaha agribisnis (pertanian dan peternakan) and livestock) with a maximum ceiling of Rp500
Ikhtisar Kinerja dengan plafon maksimal Rp 500 juta/calon million/potential customer, with an off-taker
nasabah, dengan konsep off taker. concept.
2024
Simas Kredit Usaha Kecil (KUK) Kredit produktif yang diberikan ke pelaku usaha Productive credit provided to business players with
dengan plafon mulai dari Rp100 juta sampai dengan credit ceiling ranges from Rp100 million to Rp2 billion
Laporan Rp2 miliar per nasabah. per customer.
Manajemen
Kredit Multiguna Usaha Petani Program kredit yang memfokuskan pada pemberian Credit programs focus on providing credit to oil palm
Sawit (KMUPS) kredit ke para petani sawit untuk kebutuhan pembelian farmers for the purchase of production facilities.
Profil sarana produksi.
Perusahaan
Produk Kerja Sama Penyaluran Fasilitas kredit/pembiayaan dengan skema Credit/financing facilities with a channeling/credit
Kredit melalui Perusahaan Digital channeling/referral kredit dari perusahaan peer to referral scheme from peer to peer lending companies
ANALISIS DAN Lending peer lending dengan plafon maksimal Rp 2 miliar/ with a maximum ceiling of Rp2 billion/customer.
PEMBAHASAN Credit Distribution Collaboration nasabah.
MANAJEMEN Products through Digital Lending
Companies
Tinjauan Segmen Consumer
Consumer Segment
Pendukung
Bisnis KTA Payroll Kredit tanpa agunan berjangka waktu 1-5 tahun untuk Collateral-free credit with a term of 1-5 years for
Payroll Personal Loan karyawan dari perusahaan yang pembayaran payroll employees of companies whose payroll payments are
melalui Bank Sinarmas made through Bank Sinarmas
Tata Kelola
Perusahaan Kredit Pemilikan Rumah (KPR) Kredit yang bertujuan untuk pembelian property, Loans intended for the purchase of property,
Mortgage terdiri dari consisting of
• KPR primary/baru untuk rumah, apartment dan ruko, • Primary / new mortgages for houses, apartments
Laporan baik inden maupun ready stock and shophouses, both indented and ready stock
Keberlanjutan • KPR take over untuk rumah dan apartment • Takeover mortgages for houses and apartments
berjangka waktu hingga 25 tahun. Limit KPR mulai with a term of up to 25 years. Mortgage limits range
dari Rp500 juta hingga Rp25 miliar. from Rp500 million to Rp25 billion.
Kredit Multiguna (KMG) Kredit untuk tujuan multiguna, yang terdiri dari KMG Loans for multipurpose purposes, consisting of KMG
Multipurpose Loan dengan jaminan fixed asset. secured by fixed assets.
Kredit Kepemilikan Mobil (KPM) Kredit yang ditujukan untuk pembelian mobil baru, Loans intended for the purchase of new cars, with
Auto Loan berjangka waktu 1-3 tahun. Bank Sinarmas bekerja a term of 1-3 years. Bank Sinarmas cooperates
sama dengan perusahaan-perusahaan yang mau with companies that want to increase the loyalty of
meningkatkan loyalitas karyawan berprestasi dengan outstanding employees by providing benefits in the
memberikan benefit berupa fasilitas COP. form of COP facilities.
Segmen Usaha Kecil dan Menengah (SME Loan)
Small and Medium Enterprises Segment (SME Loan)
Simas Dana Tunai (SDT) Fasilitas Kredit produktif yang diberikan kepada Productive credit facilities provided to business actors,
pelaku usaha, baik perorangan atau badan usaha, both individuals and business entities, with a ceiling of
dengan plafon mulai dari Rp1 miliar sampai dengan Rp Rp1 billion to Rp5 billion.
5 miliar .
Perluasan Agunan Kredit dengan jaminan produk investasi berupa Credit with investment product collateral in the form of
Collateral Expansion bancassurance dan reksadana yang diterbitkan oleh bancassurance and mutual funds issued by Financial
Financial Service Company, baik yang dipasarkan Service Companies, both marketed directly and
langsung maupun yang dipasarkan melalui pihak lain. marketed through other parties.
Back to Back Fasilitas Kredit yang dijamin dengan agunan tunai Credit facilities secured by cash collateral of at least
minimal sebesar 100%. Agunan tunai yang dimaksud 100%. The referred cash collateral can be in the form
dapat berupa deposito berjangka maupun setoran of term deposits or guarantee deposits.
jaminan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 127
Jenis Produk
Uraian Description
Type of Product
Supply Chain Financing (SCF) Fasilitas kredit yang diberikan kepada Vendor/ Credit facility provided to Vendors/ Contractors from
Kontraktor dari Sinarmas Land Group untuk tujuan Sinarmas Land Group for working capital purposes.
modal kerja.
Kredit Modal Kerja Fasilitas kredit dengan jangka waktu relatif pendek Credit facilities with a relatively short term generally
Working Capital Loan umumnya (± 1 tahun) yang digunakan untuk modal (± 1 year) are used for business working capital with a
kerja usaha dengan plafon sampai dengan Rp 15 miliar. ceiling of up to Rp15 billion.
Kredit Investasi Fasilitas kredit dengan jangka waktu lebih dari 1 tahun Credit facility with a term of more than 1 year used
Investment Loan yang digunakan untuk tujuan Investasi dengan plafon for investment purposes with a ceiling of up to Rp 15
sampai dengan Rp 15 miliar. billion.
Segmen Korporat
Corporate Segment
Modal Kerja Fasilitas kredit dengan jangka waktu relatif pendek Credit facilities with a relatively short term generally (±
Working Capital umumnya (± 1 tahun) yang digunakan untuk modal 1 year) are used for working capital for businesses with
kerja usaha dengan plafon > Rp75 miliar. a ceiling of > Rp75 billion.
Investasi Fasilitas kredit dengan jangka waktu lebih dari 1 tahun Credit facilities with a term of more than 1 year
Investment yang diberikan kepada badan usaha untuk tujuan provided to business entities for investment purposes
investasi dengan plafon > Rp75 miliar.
Penyaluran kredit dapat dilakukan secara langsung
with a ceiling of > Rp75 billion.
Credit distribution can be done directly (bilaterally) or
125
(bilateral) ataupun melalui skema sindikasi. through a syndication scheme.
2024
Segmen Komersial
Performance
Commercial Segment
Highlights
Modal Kerja Fasilitas kredit dengan jangka waktu Credit facilities with a relatively short term (± 1 year)
Working Capital relatif pendek (± 1 tahun) yang digunakan used for working capital with a ceiling of > Rp15 billion-
untuk modal kerja usaha dengan plafon Rp75 billion. Management
> Rp15 miliar-Rp75 miliar. Report
Investasi Fasilitas kredit dengan jangka waktu lebih dari 1 tahun Credit facilities with a term of more than 1 year
Investment yang diberikan kepada badan usaha untuk tujuan provided to business entities for investment purposes.
investasi. Company
Profile
Supply Chain Financing & Fasilitas kredit modal kerja yang diberikan oleh Bank Working capital credit facilities are provided by the
Distributor Financing kepada Debitur yang merupakan : Bank to eligible Debtors who are:
1. Pihak pembeli (Distribution/ Sub-Distributor) untuk 1. Buyers (Distribution/ Sub-Distributors) to purchase
melakukan pembelian barang dagangan dari pihak merchandise from sellers (Principal/ Distributor) in MANAGEMENT
penjual (Principal/ Distributor) dalam satu mata one business chain or DISCUSSION
rantai bisnis atau AND ANALYSIS
2. Supplier/ Vendor/ Kontraktor yang melakukan 2. Suppliers/ Vendors/ Contractors who procure
pengadaan barang dan/ atau jasa kepada Principal. goods and/ or services for the Principal.
Business
Support
Fokus dan Strategi 2024 Focus and Strategy 2024 Overview
Pada tahun 2024, fokus dan strategi yang telah direalisasikan The following table describes the focus and strategies
untuk meningkatkan kinerja penyaluran kredit diuraikan executed to improve credit distribution performance in 2024. Corporate
melalui tabel di bawah ini. Governance
Segmen Sustainability
Fokus dan Strategi 2024 Focus and Strategy in 2024
Segment Report
Segmen Mikro Penyaluran kredit dengan plafond mulai dari Rp 100 Credit distribution with a ceiling of Rp100 million to
Micro Segment juta sampai dengan Rp 2 miliar, fokus pada : Rp2 billion, focusing on:
- Simas KUK. - Simas KUK.
- KUR sesuai kuota yang telah disetujui oleh - KUR according to the quota approved by the
pemerintah. government.
- Penyaluran ke petani sawit melalui produk Kredit - Distribution to oil palm farmers through the Oil Palm
Multiguna Petani Sawit (KMUPS). Farmers Multipurpose Credit (KMUPS) product.
- Membuat campaign program, baik campaign Top - Creating campaign programs, both Debtor Top
Up Debitur, penyaluran melalui chanel Danamas Up campaigns, distribution through the Danamas
untuk memperbanyak agen chanel penyaluran channel to increase the number of micro credit
kredit mikro. distribution channel agents.
- Melakukan promosi melalui flyer, banner, spanduk - Running promotional campaigns through Flyers,
dan digital marketing dengan media IG Bank Banners, banners and digital marketing with Bank
Sinarmas, TV disetiap cabang. Sinarmas IG media, TV in each branch.
- Mengembangkan akusisi melalui UR dan E-Form - Expanding acquisitions through UR and E-Forms
yang dapat diakses secara mandiri oleh calon that can be accessed independently by prospective
debitur. debtors.
- Untuk meningkatkan iklim kompetisi pada seller di - Improving the competitive climate for sellers in
cabang, dibuat program sales reward. branches, creating a sales reward program
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 128
Segmen
Fokus dan Strategi 2024 Focus and Strategy in 2024
Segment
Segmen Consumer • Pada tahun berjalan, Divisi Consumer Loan terus • In the current year, the Consumer Loan Division
Consumer Segment mendorong pertumbuhan penyaluran kredit continues to drive credit distribution growth
melalui produk Kredit Pemilikan Rumah (KPR), baik through Home Ownership Credit (KPR) products,
segmen Primary maupun Takeover, serta Kredit both Primary and Takeover segments, as well as
Tanpa Agunan (KTA) Payroll. Payroll Unsecured Credit (KTA).
• Untuk meningkatkan akuisisi kedua produk tersebut, • To increase the acquisition of both products,
dilakukan berbagai inisiatif seperti event gathering, various initiatives have been carried out such as
sosialisasi ke perusahaan, serta kunjungan langsung gathering events, socialization to companies, and
ke agen properti dan developer. direct visits to property agents and developers.
• Dalam menjaga kualitas portofolio yang telah • In maintaining the quality of the portfolio that has
disalurkan, dilakukan upaya monitoring fasilitas been distributed, efforts are made to monitor
kredit secara proaktif, baik sebelum jatuh tempo credit facilities proactively, both before maturity by
melalui pengiriman pengingat (reminder), maupun sending reminders, as well as daily and monthly
monitoring harian dan bulanan terhadap seluruh monitoring of the entire credit portfolio.
portofolio kredit.
• Consumer Loan juga berkolaborasi dengan unit • Consumer Loan also collaborates with the SND and
SND dan Early Warning System untuk melakukan Early Warning System units to monitor KTA Payroll
pemantauan terhadap perusahaan mitra KTA Payroll, partner companies, to ensure that risk mitigation
guna memastikan langkah mitigasi risiko dapat steps can be taken immediately in a timely and
126 segera diambil secara tepat waktu dan terukur.
• Kemampuan SDM ditingkatkan melalui training dan
measurable manner.
• HR capabilities are improved through training and
workshop workshops
Ikhtisar Kinerja Segmen Usaha Kecil dan Penyaluran kredit dengan plafond mulai dari Rp1 miliar Credit distribution with a ceiling of Rp1 billion to Rp15
2024 Menengah (SME Loan) sampai dengan Rp15 miliar, fokus pada : billion, focusing on:
Small and Medium Enterprises - SCF dengan vendor/kontraktor dari Sinarmas Land - SCF with vendors/contractors from Sinarmas Land
Segment (SME Loan) Group. Group.
Laporan - Back to back. - Back to back.
Manajemen - Perluasan Agunan. - Collateral Expansion.
- Simas Dana Tunai dan SME Umum. - Simas Cash Fund and General SME.
- Melakukan media promosi melalui flyer, banner dan - Running promotional media campaigns through
Profil digital marketing dengan media IG Bank Sinarmas, flyers, banners and digital marketing with IG Bank
Perusahaan TV di setiap cabang. Sinarmas media, TV in each branch.
- Melakukan penawaran kredit melalui WhatsApp - Making credit offers via WA and email blasts
ANALISIS DAN dan email blast khususnya untuk produk Simas especially for Simas Cash Fund (SDT) and Collateral
Dana Tunai (SDT) dan Perluasan Agunan. Expansion products.
PEMBAHASAN
- Memberikan program sales reward untuk para - Providing sales reward programs for sellers
MANAJEMEN
seller khususnya untuk produk Simas Dana Tunai especially for Simas Cash Fund (SDT) and General
(SDT) dan SME Umum beragunan fixed asset. SME products secured by fixed assets.
Tinjauan - Program referal karyawan internal di cabang untuk - Internal employee referral program at branches for
Pendukung produk Simas Dana Tunai & Kredit SME umum Simas Cash Fund & General SME Credit products
beragunan fixed asset. secured by fixed assets
Bisnis
- Melakukan refreshment produk SME loan ke tim - Conducting SME loan product refreshment for the
seller di cabang. seller team at branches.
Tata Kelola Segmen Korporat • Meningkatkan jumlah kredit sindikasi, fokus pada • Increasing the number of syndicated loans,
Perusahaan Corporate Segment penyaluran kredit ke perusahaan besar, state- focusing on distributing loans to large companies,
owned enterprises dan perusahaan yang bergerak state-owned enterprises and companies engaged
di bidang perdagangan dan jasa pengadaan yang in trade and procurement services that have good
Laporan
memiliki prospek pertumbuhan usaha dan track business growth prospects and track records;
Keberlanjutan
record yang baik;
• Penyaluran kredit kepada Debitur dengan • Distributing loans to Debtors by considering fixed
mempertimbangkan agunan fixed asset atau tunai asset collateral or cash (back to back) or payment
(back to back) atau sumber pembayaran berdasarkan sources based on definite contracts and relatively
kontrak yang pasti dan jangka waktu yang relatif short terms and having good business prospects;
singkat serta memiliki prospek usaha yang baik;
• Menjaga kualitas portofolio kredit dengan • Maintaining the quality of the credit portfolio by
memaksimalkan fungsi early warning dan maximizing the early warning function and periodic
pemantauan Debitur secara berkala atas monitoring of Debtors on the continuity of the
kelangsungan usaha Debitur. Debtor’s business.
Segmen Komersial • Mengoptimalkan penyaluran kredit modal kerja • Optimizing working capital credit distribution under
Commercial Segment skema Supply Chain Financing (SCF). the Supply Chain Financing (SCF) scheme.
• Mengeksplorasi pembiayaan melalui kerjasama • Exploring financing through collaboration with
dengan perusahaan Financial Technology (P2P Financial Technology companies (P2P Lending);
Lending);
• Menjaga kualitas portofolio kredit dengan • Maintaining the quality of the credit portfolio by
memaksimalkan fungsi early warning dan maximizing the early warning function and periodic
pemantauan Debitur secara berkala atas monitoring of Debtors on the continuity of the
kelangsungan usaha Debitur. Debtor’s business.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 129
Kinerja Usaha 2024 Business Performance in 2024
Hingga akhir tahun buku 2024, outstanding penyaluran dana By the end of fiscal 2024, the Bank had an outstanding
konvensional Bank mencapai Rp11.217 miliar, lebih rendah conventional fund distribution of Rp11,217 billion, 4.50% lower
4,50% dibandingkan tahun 2023 yang sebesar Rp11.746 than in 2023, which reached Rp11,746 billion. The loan figure
miliar. Sebagian besar kredit tersebut terserap untuk was mostly absorbed for working capital needs, with 55.28%
kebutuhan modal kerja, yakni 55,28, selanjutnya investasi for investment with 22.44% and consumption with 22.28%.
22,44%, dan konsumsi 22,28%.
Kinerja Penyaluran Dana Konvensional
Performance of Conventional Loan Disbursement
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Keterangan
2024 2023 2022 Increase (Decrease)
Description
(%)
Modal Kerja
6.200.762 5.346.969 4.935.105 15,97
Working Capital
Investasi
2.517.119 3.215.859 4.036.036 (21,73)
127
Investment
Konsumsi 2024
2.499.124 3.183.129 3.288.939 (21,49)
Consumer Performance
Highlights
Jumlah
11.217.005 11.745.957 12.260.080 (4,50)
Total
Management
Report
Dari sisi kualitas, kredit bermasalah atau Non Performing Loan The Bank had a very low gross non-performing loan (NPL) of
(NPL) bruto Bank sangat rendah, yakni 1,88%. Pencapaian 1.88%. That achievement was much higher than the industry Company
itu lebih dari rata-rata industri yang mencapai 2,08%. Hal ini average of 2.08%. This shows the Bank’s sound performance Profile
menunjukkan bahwa kinerja pengembalian dari penyaluran in terms of fund distribution return.
dana Bank sangat baik.
MANAGEMENT
DISCUSSION
Kualitas Penyaluran Dana Konvensional AND ANALYSIS
Quality of Conventional Loan Distribution
dalam persen (%) | in percentage (%)
Uraian 2024 2023 2022 Description Business
Support
NPL Bruto 1,88 0,94 10,27 NPL Gross Overview
NPL Neto 0,38 0,48 3,20 NPL Net
Corporate
Rencana Strategis 2025 Strategic Plan 2025 Governance
Uraian tentang rencana strategis segmen usaha penyaluran The Bank’s strategic plan for the fund distribution business
dana Bank untuk tahun 2025 diuraikan melalui tabel di segment for 2025 is described in the table below. Sustainability
bawah ini. Report
Segmen
Rencana Strategis 2025 Strategic Plan 2025
Segment
Segmen Mikro Fokus pada : Focus on:
Micro Segment 1. Penyaluran produk Simas KUK, KUR dan KMUPS 1. Distribution of Simas KUK, KUR and KMUPS products
2. Menambah kota penyaluran Dana Usaha yang 2. Adding cities for distributing Business Funds in
berkolaborasi dengan Danamas collaboration with Danamas
3. Memaksimalkan penawaran kredit kepada debitur 3. Maximizing credit offers to current debtors who are
lancar yang masuk dalam list Top Up Insiaitif Bank (TUIB) included in the Bank’s Top Up Initiative (TUIB) list
4. Memaksimalkan promosi melalui media UR & 4. Maximizing promotional campaigns through UR &
E-form, Flyer, TV di Cabang, IG Bank Sinarmas E-form media, Flyers, TV at Branches, IG Bank Sinarmas
5. Melakukan rekalibrasi secara periodik mapping titik 5. Periodically recalibrating the mapping of micro unit
pemasaran unit mikro, untuk unit-unit distribusinya marketing points, for units with low distribution
rendah
6. Melakuan mentoring, sosialisasi dan visit cabang 6. Conducting mentoring, socialization and branch visits
7. Training Introduction & Refreshment kepada Sales 7. Introduction & Refreshment Training for Micro Loan
Micro Loan Sales
8. Untuk menciptakan iklim kompetisi maka dibuat 8. Creating a competitive climate, sales rewards plus
sales reward ditambah dengan adanya skema the latest incentive schemes
insentif terbaru
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 130
Segmen
Rencana Strategis 2025 Strategic Plan 2025
Segment
Segmen Consumer Strategi Kredit Konsumer untuk Tahun 2025 Consumer Loan Strategy for 2025
Consumer Segment Pada tahun 2025, strategi Divisi Consumer Loan tetap In 2025, the Consumer Loan Division will continue
difokuskan pada pertumbuhan penyaluran Kredit to focus on expanding the distribution of Home
Pemilikan Rumah (KPR) dan Kredit Tanpa Agunan Ownership Loans (KPR) and Payroll Unsecured Loans
(KTA) Payroll, dengan tetap mengedepankan prinsip (KTA), while upholding prudential principles and
kehati-hatian dan menjaga kualitas portofolio secara ensuring long-term portfolio quality.
berkelanjutan.
Untuk mencapai target tersebut, strategi akuisisi To support these objectives, the acquisition strategy
dilakukan melalui kombinasi pendekatan event integrates marketing events, strategic partnerships,
pemasaran, kemitraan strategis (partnership), dan and the strengthening of digital marketing channels
penguatan kanal digital marketing guna menjangkau to broaden reach across diverse customer segments.
segmen nasabah yang lebih luas.
Pengembangan Produk KPR Mortgage Development
Produk KPR diarahkan untuk terus tumbuh, melalui: Growth in the KPR segment will be pursued through
• Penambahan kerja sama dengan developer the following initiatives:
nasional premium dan selected local developer • Expanding partnerships with top-tier national and
untuk mendorong penyaluran KPR primary. selected regional developers to boost primary
128 • Peningkatan portofolio KPR Takeover sebagai
market KPR distribution.
• Increasing the KPR Takeover portfolio as a key
salah satu pendorong pertumbuhan yang lebih growth driver, while ensuring the underlying credit
cepat, dengan tetap menjaga kualitas aset kredit. quality remains robust.
Ikhtisar Kinerja
• Diversifikasi portofolio ke segmen KPR secondary • Diversifying into the secondary KPR market through
2024 market dilakukan secara selektif, dengan tetap selective disbursement, with careful consideration
memperhatikan profil risiko dan prospek wilayah of risk profiles and property area prospects.
Laporan properti.
Manajemen
Penguatan KTA Payroll Strengthening KTA Payroll
Menyesuaikan dengan kondisi pasar terkini, strategi Aligned with prevailing market dynamics, the KTA
Profil KTA Payroll difokuskan pada: Payroll strategy emphasizes:
Perusahaan • Penyempurnaan ketentuan dan kebijakan kredit • Refining credit policies and underwriting criteria to
untuk menjaga kualitas akuisisi dan mengendalikan maintain acquisition quality and proactively mitigate
potensi risiko sejak awal. potential risks.
ANALISIS DAN • Penambahan kemitraan strategis dengan institusi • Establishing strategic collaborations with institutions
PEMBAHASAN atau platform digital guna memperluas segmen and digital platforms to expand access to target
MANAJEMEN sasaran. customer segments.
Seluruh strategi tersebut dijalankan dengan semangat All strategies are implemented with a commitment to
Tinjauan pertumbuhan yang sehat, berkelanjutan, dan adaptif healthy, sustainable growth, while remaining adaptive
Pendukung terhadap dinamika pasar serta perubahan perilaku to evolving market conditions and shifts in consumer
Bisnis konsumen. behavior.
Segmen Usaha Kecil dan Fokus pada : Focus on:
Tata Kelola Menengah (SME Loan) 1. Fokus Pemasaran Kredit: 1. Credit Marketing Focus:
Perusahaan Small and Medium Enterprises a. Simas Dana Tunai (SDT) a. Simas Cash Fund (SDT)
Segment (SME Loan) b. SME Umum b. General SME
c. Back to back c. Back to back
Laporan d. Perluasan Agunan d. Collateral Expansion
Keberlanjutan 2. Melakukan penambahan cabang yang dapat 2. Adding branches to help market SME loan products,
memasarkan produk SME Loan, diantaranya yaitu including at the Pondok Indah JKT Branch Office,
di Kantor Cabang Pondok Indah JKT, Cabang Cirebon Branch, Tegal Branch, Puri Kembangan
Cirebon, Cabang Tegal, Cabang Puri Kembangan, Branch, and Pekalongan Branch
Cabang Pekalongan
3. Melakukan beberapa pengembangan dalam alur 3. Making further developments in the credit process
proses kredit di SME Loan dari mulai proses akuisisi flow at SME Loan from the acquisition process to
sampai proses disburse the disbursement process
4. Memaksimalkan pemakaian line kredit untuk produk 4. Maximizing the use of credit lines for SCF products
SCF ke Vendor/Kontraktor dari Sinar Mas Land to Vendors/Contractors from Sinar Mas Land
5. Memaksimalkan promosi melalui Flyer, media TV di 5. Maximizing promotional campaigns through Flyers,
cabang dan IG Bank Sinarmas TV media at branches and Bank Sinarmas IG
6. Program Referral Karyawan Internal di cabang 6. Running Internal Employee Referral Program at
untuk produk Simas Dana Tunai & Kredit SME branches for Simas Cash Fund & General SME
Umum beragunan fixed asset Credit products secured by fixed assets
7. Campaign Sales Reward untuk seller SME Loan 7. Running Sales Reward Campaign for SME Loan
untuk produk Simas Dana Tunai & Kredit SME sellers for Simas Cash Fund & General SME Credit
Umum beragunan fixed asset products secured by fixed assets
8. Memaksimalkan penggunaan Unused loan atas 8. Maximizing the use of Unused loans for credit
fasilitas kredit yang dimiliki debitur di SME Loan facilities owned by debtors at SME Loan
9. Melakukan kolaborasi dengan Danamas dalam 9. Collaborating with Danamas in distributing Simas
penyaluran produk Simas Dana Tunai (SDT) Cash Fund (SDT) products
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 131
Segmen
Rencana Strategis 2025 Strategic Plan 2025
Segment
Segmen Korporat Penyaluran kredit produktif akan tetap dilakukan Further distribute productive credit more selectively
Corporate Segment dengan lebih selektif dan juga mengedepankan prinsip with a priority on the principle of prudence and
kehati-hatian serta prospek usaha berkelanjutan dari sustainable business prospects of the Debtor, through:
Debitur, melalui:
a. Meningkatkan jumlah kredit sindikasi, fokus pada a. Increasing the number of syndicated credits,
perusahaan besar, state-owned enterprise dan focusing on large companies, state-owned
perusahaan yang bergerak di bidang perdagangan enterprises and companies engaged in trade and
dan jasa pengadaan yang memiliki prospek procurement services that have business growth
pertumbuhan usaha dan track record yang; prospects and track records;
b. Penyaluran kredit kepada Debitur dengan b. Credit distribution to Debtors by considering fixed
mempertimbangkan agunan fixed asset atau tunai assets or cash collateral (back to back) or sources of
(back to back) atau sumber pembayaran berdasarkan payment based on definite contracts and relatively
kontrak yang pasti dan jangka waktu yang relatif short terms and have good business prospects;
singkat serta memiliki prospek usaha yang baik;
c. Menjaga kualitas portofolio kredit dengan c. Maintaining the quality of the credit portfolio by
memaksimalkan fungsi early warning dan maximizing the early warning function and periodic
pemantauan Debitur secara berkala atas monitoring of Debtors on the continuity of the
kelangsungan usaha Debitur. Debtor’s business.
Segmen Komersial Penyaluran kredit akan tetap dilakukan dengan lebih Further distribute credit more selectively with a priority
Commercial Segment selektif dan juga mengedepankan prinsip kehati-
hatian, melalui :
on the principle of prudence, through: 129
a. Penyaluran kredit modal kerja dengan skema a. Working capital credit distribution with the Supply
Supply Chain Financing (SCF); Chain Financing (SCF) scheme; 2024
b. Mengeksplorasi pembiayaan melalui kerjasama b. Exploring financing through cooperation with Performance
dengan perusahaan Financial Technology (P2P Financial Technology companies (P2P Lending); Highlights
Lending);
c. Menjaga kualitas portofolio kredit dengan c. Maintaining the quality of the credit portfolio by
memaksimalkan fungsi early warning dan maximizing the early warning function and periodic
Management
pemantauan Debitur secara berkala atas monitoring of Debtors on the continuity of the
kelangsungan usaha Debitur. Debtor’s business.
Report
Company
TREASURY TREASURY Profile
Sebagai bank devisa, layanan utama segmen usaha treasury As a foreign exchange bank, the main service of Bank
Bank Sinarmas adalah perdagangan valuta asing. Bank Sinarmas’ treasury business is foreign exchange trading. The
MANAGEMENT
memiliki produk valuta asing unggulan, yakni plain vanilla, Bank’s flagship foreign exchange products are plain vanilla, DISCUSSION
seperti today (TOD), tomorrow (TOM), dan SPOT. Selain itu, such as today (TOD), tomorrow (TOM), and SPOT. Other AND ANALYSIS
layanan plain vanilla derivatives, seperti forward dan swap. products include plain vanilla derivative services, such as
forward and swap. Business
Support
Fokus dan Strategi 2024 Focus and Strategy 2024 Overview
Fokus dan strategi yang dilakukan Bank Sinarmas dalam The focus and strategy executed by Bank Sinarmas to
rangka meningkatkan kinerja segmen treasury di tahun improve the performance of the treasury segment in 2024 Corporate
2024 adalah pengembangan jumlah nasabah yang was to expand its base of customers who transact foreign Governance
bertransaksi valuta asing. Selain itu, mengoptimalkan dana exchange. This involved optimizing funds deposited in Bank
yang mengendap di Bank Sinarmas dengan melakukan Sinarmas by penetrating the money market and capital Sustainability
penetrasi di pasar uang dan pasar modal. market. Report
Kinerja Usaha 2024 Business Performance 2024
Sepanjang tahun buku 2024, Bank berhasil membukukan Throughout the 2024 financial year, the Bank made Rp236
fee-based income sebesar Rp236 miliar. Dibandingkan billion in fee-based income. It was an increase of 40.95%
tahun 2023 yang sekitar Rp168 miliar, terjadi kenaikan compared to Rp168 billion in 2023. The increase was mainly
40,95%. Peningkatan ini terutama dikontribusi oleh contributed by an increase in fixed income of 75.39%,
kenaikan pada fixed income sebesar 75,39% dimana Bank where the Bank maintained its ownership of securities by
mempertahankan kepemilikan surat berharga yang dimiliki reinvesting in maturing securities and increasing its mutual
dengan melakukan reinvestasi pada surat berharga yang fund ownership.
jatuh tempo dan menambah kepemilikan reksadana.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 132
Kinerja Segmen Treasury berdasarkan Produk
Treasury Segment Performance by Product
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan
(Penurunan) (%)
Keterangan 2024 2023 2022 Description
Growth
(Decrease)
Treasury Sales 54.698 42.574 31.273 28,48 Treasury Sales
FX Trading 40.511 38.978 38.724 3,93 FX Trading
Fixed Income 140.391 80.043 28.347 75,39 Fixed Income
Syariah - 1.551 198 - Sharia
Jumlah 235.600 167.146 98.542 40,95 Total
Rencana Strategis 2025 Strategic Plan for 2025
Strategi Bank Sinarmas dalam meningkatkan segmen usaha Bank Sinarmas’ strategy in increasing the treasury business
treasury di tahun 2025 diungkapkan sebagai berikut. segment in 2025 is disclosed as follows.
130 1. Memperkuat sinergi antar unit bisnis untuk meningkatkan
transaksi valas.
1. Strengthening synergy between business units to
increase foreign exchange transactions.
Ikhtisar Kinerja
2. Mempersiapkan e-channel untuk menjangkau transaksi 2. Preparing e-channels to reach foreign exchange
2024 valuta asing, baik retail maupun korporasi. transactions, both retail and corporate.
3. Meningkatkan portofolio surat berharga. 3. Increasing the portfolio of securities.
Laporan
Manajemen EKSPOR-IMPOR EXPORT-IMPORT
Bank Sinarmas menawarkan berbagai produk pembiayaan Bank Sinarmas provides a range of Export-Import trade
Profil perdagangan Ekspor-Impor, seperti Letter of Credit, Surat financing solutions, including Letters of Credit, Domestic
Perusahaan
Kredit Berdokumen Dalam Negeri (SKBDN), serta Export Bills Documented Credit Letters (SKBDN), and Export Bills
Collection (DP & DA). Bank juga memiliki layanan pembiayaan Collection (DP and DA). The Bank also offers post-export
ANALISIS DAN
PEMBAHASAN post export financing, seperti diskonto dan negosiasi yang financing services, such as discounts and negotiations,
MANAJEMEN dapat digunakan sebagai modal kerja dengan rate yang which can be utilized as working capital at competitive rates.
kompetitif.
Tinjauan
Pendukung
Bisnis
Fokus dan Strategi 2024 Focus and Strategy 2024
Pada tahun 2024, Bank menawarkan fasilitas untuk In 2024, the Bank provides facilities to support Export-
Tata Kelola mendukung kegiatan Ekspor-impor kepada Perusahaan Import activities for well-established companies with
Perusahaan yang sudah matang dengan kinerja yang baik dan berfokus strong performance, with a focus on increasing export bill
kepada peningkatan transaksi negosiasi dan diskonto wesel negotiation and discount transactions.
Laporan ekspor.
Keberlanjutan
Kinerja Usaha 2024 Business Performance 2024
Pada tahun buku 2024, total fee-based income dari In the 2024 financial year, total fee-based income from
transaksi ekspor dan impor mencapai Rp6,7 miliar, lebih export and import transactions reached Rp6.7 billion,
tinggi 2,33% dibandingkan tahun 2023 yang sebesar Rp6,5 marking a 2.33% increase compared to Rp6.5 billion in
miliar. Sedangkan dari pendapatan bunga, terjadi kenaikan 2023. Meanwhile, interest income saw a significant growth
272,75% dibandingkan tahun sebelumnya, dari Rp707,8 juta of 272.75% year-on-year, rising from Rp707.8 million in 2023
di tahun 2023 menjadi Rp2,6 miliar pada tahun 2024. to Rp2.6 billion in 2024.
Peningkatan yang terjadi pada transaksi ekspor-impor The growth in export-import transactions was supported by
seiring dengan kenaikan kinerja dan aktivitas perusahaan the improved performance and activity of debtor companies
debitur membaik pasca Covid-19, khusus dari segmen following the Covid-19 pandemic, particularly within the export
ekspor terdapat beberapa new onboarding customer serta segment, which benefited from the onboarding of several new
perubahan strategi dan appetite Bank. Selain itu, terdapat customers and adjustments to the Bank’s strategy and risk
peningkatan suku bunga acuan di tahun 2024 yang appetite. Additionally, the increase in the benchmark interest rate
membantu peningkatan kinerja tersebut. in 2024 contributed to the strengthening of this performance.
Rencana Strategis 2025 Strategic Plan 2025
Strategi Bank Sinarmas dalam meningkatkan kinerja segmen Bank Sinarmas’ strategy to enhance the performance of its
usaha ekspor dan impor di tahun 2025 diuraikan sebagai export and import business segments in 2025 is outlined as
berikut: follows:
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 133
1. Untuk meningkatkan kinerja segmen usaha ekspor, Bank 1. To improve the performance of the export business
berupaya menumbuhkan pendapatan bunga melalui segment, the Bank seeks to grow interest income through
pembelian akseptasi (wesel ekspor) dari bank lain. Selain the purchase of acceptances (export bills) from other
itu, Bank juga aktif dalam menjaring nasabah baru dengan banks. In addition, the Bank is also active in attracting
mengoptimalkan jaringan cabang-cabang Bank Sinarmas new customers by optimizing the Bank Sinarmas branch
untuk dapat meningkatkan pendapatan fee-based. network to be able to increase fee-based income.
2. Secara selektif, Bank tetap menawarkan fasilitas 2. Selectively, the Bank continues to offer export-import
pembiayaan perdagangan ekspor-impor dengan trade financing facilities by prioritizing the principle of
mengedepankan prinsip kehati-hatian kepada nasabah prudence to existing customers with good performance
existing dengan kinerja yang baik dan mempertimbangkan and considering bundling working capital or investment
bundling fasilitas modal kerja ataupun investasi bagi facilities for customers engaged in the export-import
nasabah yang bergerak di bidang ekspor-impor. sector.
PERBANKAN SYARIAH SHARIAH BANKING
Pada tahun 2024, Unit Usaha Syariah PT. Bank Sinarmas In 2024, the Sharia Business Unit of PT. Bank Sinarmas Tbk.
Tbk. melakukan pemisahan dan berdiri menjadi PT Bank
Nano Syariah. Bank Sinarmas menempatkan modal sebesar
will be separated and established as PT Bank Nano Syariah.
Bank Sinarmas invests Rp510 billion or 51% of the capital
131
Rp510 Milyar atau 51% dari modal Bank Nano Syariah. of Bank Nano Syariah. Other shareholders of Bank Nano
2024
Pemegang saham Bank Nano Syariah lainnya terdiri dari PT Syariah consist of PT Sinar Mas Multiartha Tbk with 25% and Performance
Sinar Mas Multiartha Tbk sebesar 25% dan PT Asuransi Sinar PT Asuransi Sinar Mas with 24%. Highlights
Mas sebesar 24%.
Management
Fokus dan Strategi 2024 Focus and Strategy 2024 Report
Dalam rangka mempertahankan eksistensinya serta untuk In order to maintain its existence and to ensure the continuity
menjamin kelangsungan operasional dan ekspansi usaha of operations and business expansion after the separation Company
setelah dilakukan pemisahaan UUS menjadi BUS, Bank of UUS into BUS, the Bank requires careful planning through Profile
memerlukan perencanaan yang matang melalui penyusunan the preparation of a realistic and comprehensive Business
Rencana Bisnis yang realistis dan komprehensif mencakup Plan covering various aspects, while still adhering to the
MANAGEMENT
berbagai aspek, dengan tetap mematuhi prinsip kehati- principle of prudence and being responsive to economic and DISCUSSION
hatian serta responsif terhadap perubahan ekonomi dan monetary changes that can affect the operational, financial AND ANALYSIS
moneter yang dapat mempengaruhi kondisi operasional, and health conditions of the bank.
keuangan dan kesehatan Bank. Business
Support
Fokus dan strategi Bank Nano Syariah pada tahun 2024, The focus and strategy of Bank Nano Syariah in 2024, Overview
yaitu melalui penerapan “The Effective Strategy”. Dimana namely through the implementation of “The Effective
berfokus pada segmen pasar UMK dan beroperasi secara Strategy”. Where it focuses on the MSME market segment Corporate
efektif dan efisien didukung Sistem Teknologi Informasi and operates effectively and efficiently supported by a Governance
(STI) yang handal serta SDI yang kompeten. “The Effective reliable Information Technology System (STI) and competent
Strategy” diantaranya: SDI. “The Effective Strategy” includes: Sustainability
1. Effective Products, berfokus dalam meningkatkan 1. Effective Products, focuses on increasing third party fund Report
penghimpunan dana pihak ketiga serta fee-based collection and fee-based income (FBI).
income (FBI).
2. Effective Team & Networks, berfokus pada penyaluran 2. Effective Team & Networks, focuses on financing
pembiayaan dan adanya program linkage dengan distribution and linkage programs with Islamic Financial
Lembaga Keuangan Syariah (LKS). Institutions (LKS).
3. Effective System & Operation, berfokus dalam 3. Effective System & Operation, focuses on developing
mengembangkan STI yang inovatif secara innovative STI on an ongoing basis.
berkesinambungan
Kinerja Usaha 2024 Business Performance 2024
Total penghimpunan dana pada akhir 31 Desember 2024 Total fundraising at the end of December 31, 2024 was
tercatat sebesar Rp8.285 miliar atau 114,28% dari yang recorded at Rp8,285 billion or 114.28% of the budgeted
dianggarkan yang sebesar Rp7.250 miliar. Penghimpunan Rp7,250 billion. The collection of wadiah savings funds
dana simpanan wadiah dan dana investasi non-profit and non-profit sharing investment funds was 474.44% and
sharing masing-masing sebesar 474,44% dan 99,42% 99.42% of the budget, respectively. The high achievement
terhadap anggaran. Tingginya pencapaian penghimpunan of fundraising compared to the achievement of financing
dana dibandingkan dengan pencapaian pembiayaan caused the realization of the financing to deposit ratio (FDR)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 134
menyebabkan realisasi financing to deposit ratio (FDR) pada in Quarter IV-2024 to be recorded at 41.84%, lower than the
Triwulan IV-2024 tercatat sebesar 41,84%, lebih rendah budget of 42.76%.
dibandingkan dengan anggaran sebesar 42,76%.
Kinerja Segmen Syariah (PT Bank Nano Syariah)
Performance of Sharia Segment (PT Bank Nano Syariah)
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan
(Penurunan) (%)
Keterangan 2024 2023 2022 Description
Growth
(Decrease)
Aset 9.692.526 - - - Assets
Pembiayaan 3.466.624 - - - Financing
Simpanan dan Dana Syirkah Savings and Temporary
8.285.346 - - -
Temporer Syirkah Funds
Laba Sebelum Pajak 179.161 - - - Profit Before Tax
132 Non-Performing Finance
(Gross) (%)
0,20 - - -
Non-Performing Finance
(Gross) (%)
Catatan | Note
Ikhtisar Kinerja Tahun 2023 dan 2022 bernilai nihil | Year 2023 and 2022 are nil
2024
Laporan KINERJA PROFITABILITAS PROFITABILITY PERFORMANCE
Manajemen PT Bank Nano Syariah merupakan entitas usaha yang PT Bank Nano Syariah is a business entity that has been
beroperasi sebagai Bank Umum Syariah (BUS) sejak 2 operating as a Sharia Commercial Bank (BUS) since January
Profil Januari 2024. Dengan demikian data pembanding tahun 2, 2024. Thus, the comparative data for the previous year
Perusahaan
sebelumnya disajikan (YOY) nihil. (YOY) is nil.
ANALISIS DAN
PEMBAHASAN Pada 31 Desember 2024, laba bersih Bank Nano Syariah As of December 31, 2024, Bank Nano Syariah’s net profit
MANAJEMEN mencapai sebesar Rp161 miliar. Dimana laba bersih tersebut reached Rp161 billion. Where the net profit was obtained
diperoleh dari pendapatan pengelolaan dana yang berasal from fund management income from treasury instruments
Tinjauan dari instrument treasury maupun pembiayaan sebesar and financing of Rp755 billion. In addition, income from other
Pendukung
Bisnis
Rp755 miliar. Selain itu pendapatan atas usaha lainnya yang businesses obtained by the bank amounted to Rp106 billion
diperoleh oleh bank sebesar Rp106 miliar yang berasal which came from income from bancassurance, mudharabah
Tata Kelola dari pendapatan atas bancassurance, fee mudharabah muqayaddah fees, admin income and income from write-off
Perusahaan muqayaddah, pendapatan admin maupun pendapatan dari recovery. For the bank’s largest operating expenses from
pemulihan hapus buku. Untuk beban usaha bank terbesar salary and allowance expenses where 52.96% of operating
Laporan dari beban gaji dan tunjangan dimana sebesar 52,96% dari expenses came from labor expenses. For 2024 itself, the
Keberlanjutan beban usaha berasal dari beban tenaga kerja. Untuk tahun bank actually experienced CKPN recovery. This was due to
2024 sendiri bank justru mengalami pemulihan CKPN. Hal the settlement of several financing customers.
ini disebabkan karena adanya pelunasan dari beberapa
nasabah pembiayaan.
Profitabilitas per Segmen Usaha
Profitability by Business Segment
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024
2023
Pendapatan Pendapatan
Jumlah Jumlah Segmen – Jumlah Jumlah Segmen – Description
Uraian Pendapatan Beban Bersih Pendapatan Beban Bersih
Total Total Segment Total Total Segment
Revenues Expenses Revenue - Revenues Expenses Revenue -
Net Net
Bank Umum Syariah
Sharia Bank
Pemasaran dan Kredit 545.455 354.904 190.551 - - - Marketing and Credit
Treasuri 290.795 4.801 285.994 - - - Treasury
Ekspor-Impor - - - - - - Export-Import
Catatan | Note:
Tahun 2023 bernilai nihil | Year 2023 is nil
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 135
TINJAUAN KINERJA KEUANGAN
Financial Performance Overview
Pembahasan kinerja keuangan komprehensif di bawah ini The following discussion of the comprehensive financial
mengacu pada Laporan Keuangan Konsolidasian PT. Bank performance refers to the Consolidated Financial Statements
Sinarmas Tbk. (“Bank Sinarmas,” “Bank”) yang berakhir pada of PT. Bank Sinarmas Tbk. (“Bank Sinarmas,” “the Bank”),
tanggal 31 Desember 2024 dan telah diaudit oleh Kantor which ended on December 31, 2024 and were audited
Akuntan Publik Mirawati Sensi Idris dengan opini audit Wajar by Public Accounting Firm Mirawati Sensi Idris with an
Tanpa Modifikasian. unmodified audit opinion.
ASET ASSETS
133
Hingga akhir tahun buku 2024, Bank membukukan aset Bank reported assets of Rp55,624 billion as of the end of the
2024
senilai Rp55.624 miliar, lebih tinggi 5,68% dibandingkan posisi year 2024, 5.68% higher than the Rp52,635 billion recorded Performance
tahun 2023 yang sebesar Rp52.635 miliar. Sekitar 83,06% in 2023. Around 83.06% of total assets are productive assets Highlights
dari total aset merupakan aset produktif yang tercatat tumbuh which recorded an annual growth of 8.20%. The increase in
8,20% secara tahunan. Meningkatnya penyaluran pada aset distribution of productive assets is in line with the increasing Management
produktif selaras dengan meningkatnya ketersediaan dana availability of funds sourced from the growth of the third Report
yang bersumber dari pertumbuhan portofolio dana pihak party fund portfolio (DPK).
ketiga (DPK). Company
Profile
Perkembangan Kinerja Aset
Assets Performance Development
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated MANAGEMENT
Pertumbuhan (Penurunan) DISCUSSION
Uraian Increase (Decrease) AND ANALYSIS
2024 2023
Description
Nominal %
Kas dan Setara Kas Business
509.207 388.102 121.105 31,20
Cash and Cash Equivalents
Support
Giro pada Bank Indonesia Overview
5.706.437 6.022.812 (316.375) (5,25)
Demand Deposits with Bank Indonesia
Giro pada Bank Lain – Bersih
2.020.989 2.655.935 (634.946) (23,91)
Demand Deposits with Other Banks – Net Corporate
Penempatan pada Bank Indonesia dan Bank Lain – Bersih Governance
8.725.976 6.263.377 2.462.599 39,32
Placements with Bank Indonesia and Other Banks - Net
Efek-efek – Bersih
22.123.030 18.131.802 3.991.228 22,01 Sustainability
Securities – Net
Efek yang Dibeli dengan Janji Jual Kembali – Bersih Report
192.215 - 192.215 100,00
Securities Purchased under Agreements to Resell - Net
Kredit yang Diberikan dan Piutang/Pembiayaan Syariah – Bersih
12.806.287 15.185.200 (2.378.913) (15,67)
Loans and Sharia Receivables/Financing – Net
Tagihan Akseptasi – Bersih
38.129 78.304 (40.175) (51,31)
Acceptances Receivable - Net
Pendapatan yang Masih Akan Diterima
405.091 326.751 78.340 23,98
Accrued Income
Biaya Dibayar di Muka
611.977 921.948 (309.971) (33,62)
Prepaid Expenses
Aset Tetap – Bersih
1.555.763 1.606.075 (50.312) (3,13)
Property and Equipment - Net
Aset Ijarah – Bersih
292.544 384.218 (91.674) (23,86)
Ijarah Assets - Net
Aset Pajak Tangguhan – Bersih
261.361 214.568 46.793 21,81
Deferred Tax Assets - Net
Aset Lain-lain – Bersih
375.427 455.904 (80.477) (17,65)
Other Assets - Net
Jumlah
55.624.433 52.634.996 2.989.437 5,68
Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 136
Aset Produktif Earning Assets
Untuk mengoptimalkan pendapatan bunga yang diterima, To optimize the interest income received, the Bank prioritizes
Bank mengutamakan penyaluran dana simpanan pada the distribution of savings funds on credit and financing
kredit dan pembiayaan dibandingkan aset produktif compared to other productive assets. The allocation of funds
lain. Pengalokasian dana pada surat-surat berharga to securities began to increase when there was a repayment
mulai meningkat saat terjadi pelunasan pada kredit dan on corporate credit and financing. In addition to securities,
pembiayaan korporasi. Selain surat berharga, Bank the Bank places funds in other productive assets according
menempatkan dana pada aset produktif lain sesuai dengan to the level of risk and yield acceptable to the Bank.
tingkat risiko dan yield yang dapat diterima oleh Bank.
Pada tahun 2024, total aset produktif Bank sekitar Rp46.199 miliar. Bank total earning assets in 2024 were around Rp46,199
Dibandingkan tahun 2023 yang Rp42.699 miliar, meningkat billion, up 8.20% from Rp42,699 billion in 2023. This increase
8,20%. Peningkatan ini di kontribusi oleh peningkatan pada was contributed by an increase in securities of 22.01% and
surat berharga sebesar 22,01% dan penempatan pada Bank placements in Bank Indonesia and other banks of 39.32%.
Indonesia dan Bank Lain sebesar 39,32%
134 Rincian Aset Produktif
Details of Earning Assets
Ikhtisar Kinerja dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024 Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Laporan Nominal %
Manajemen Giro pada Bank Lain – Bersih
2.020.989 2.655.935 (634.946) (23,91)
Demand Deposits with Other Banks - Net
Profil Penempatan pada Bank Indonesia dan Bank Lain – Bersih
8.725.976 6.263.377 2.462.599 39,32
Perusahaan Placements with Bank Indonesia and Other Banks - Net
Efek-efek – Bersih
22.123.030 18.131.802 3.991.228 22,01
Securities - Net
ANALISIS DAN
PEMBAHASAN Efek yang Dibeli dengan Janji Jual Kembali – Bersih
192.215 - 192.215 100,00
Securities Purchased under Agreements to Resell - Net
MANAJEMEN
Kredit yang Diberikan dan Piutang/Pembiayaan Syariah – Bersih
12.806.287 15.185.200 (2.378.913) (15,67)
Loans and Sharia Receivables/Financing - Net
Tinjauan
Tagihan Akseptasi – Bersih
Pendukung 38.129 78.304 (40.175) (51,31)
Acceptances Receivable - Net
Bisnis
Aset Ijarah – Bersih
292.544 384.218 (91.674) (23,86)
Ijarah Assets - Net
Tata Kelola Jumlah
Perusahaan 46.199.170 42.698.836 3.500.334 8,20
Total
Laporan
Keberlanjutan Kas dan Setara Kas Cash and Cash Equivalents
Komponen kas dan setara kas Bank antara lain terbagi The Bank’s cash and cash equivalents are divided into
menjadi kas utama, kas anjungan tunai mandiri (ATM), dan three categories: main cash, cash advances (ATM), and
kas kecil yang selalu diupayakan berada pada level optimal petty cash, which are constantly monitored to ensure that
guna mendukung aktivitas investasi maupun operasional they are at an optimal level to support the Bank’s investment
bisnis Bank. Pada tahun 2024, total kas dan setara kas Bank and business operations. In 2024, the Bank’s total cash and
sebesar Rp509 miliar, naik 31,20% dibandingkan akhir tahun cash equivalents were Rp509 billion, up 31.20% from Rp388
2023 yang Rp388 miliar. billion at the end of 2023.
Giro pada Bank Indonesia Demand Deposits with Bank Indonesia
Jumlah giro pada Bank Indonesia pada akhir tahun 2024 Total demand deposits with Bank Indonesia at the end of
sebesar Rp5.706 miliar. Dibandingkan tahun 2023 yang sekitar 2024 amounted to Rp5,706 billion, a decrease of 5.25%
Rp6.023 miliar, terjadi penurunan 5,25%. Walaupun total DPK compared to Rp6,023 billion in 2023. Although total deposits
meningkat dari tahun 2023, total giro pada Bank Indonesia increased from 2023, total current accounts with Bank
berkurang karena Bank mendapatkan insentif berupa Indonesia decreased as the Bank received an incentive
pelonggaran atas kewajiban pemenuhan GWM sebesar 2,8% in the form of an easing of the reserve requirement of
dari pemenuhan Kebijakan Likuiditas Makroprudensial (KLM). 2.8% from the fulfillment of the Macroprudential Liquidity
Insentif yang diterima di tahun 2024 lebih tinggi dari Desember Policy (KLM). The incentive received in 2024 is higher than
2023 yang sebesar 1%.Insentif ini diberikan kepada Bank yang December 2023 which amounted to 1%. This incentive was
menyalurkan kredit atau pembiayaan kepada sektor-sektor given to banks that funneld credit or financing to priority
prioritas yang ditetapkan Bank Indonesia. sectors determined by Bank Indonesia.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 137
Giro pada Bank Indonesia berdasarkan Mata Uang
Demand Deposits with Bank Indonesia by Currency
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Rupiah 5.032.452 5.602.464 (570.012) (10,17)
Mata Uang Asing
Foreign Currency 673.985 420.348 253.637 60,34
Jumlah 5.706.437 6.022.812 (316.375) (5,25)
Total
Giro pada Bank Lain – Bersih Demand Deposits with Other Banks - Net
Giro Bank Sinarmas yang ditempatkan di bank lain bersih Bank Sinarmas’ demand deposits placed in other banks -
hingga akhir 2024 mencapai Rp2.021 miliar, lebih rendah net until the end of 2024 reached Rp2,021 billion, 23.91%
rendah 23,91% dibandingkan tahun 2023 yang sebesar lower than in 2023 which amounted to Rp2,656 billion.
Rp2.656 miliar. Pergerakan ini mengikuti pergerakan This movement follows the movement of The Company’s
kebutuhan operasional serta optimalisasi likuiditas yang
dibutuhkan oleh Perseroan.
operational needs and liquidity optimization needs.
135
2024
Giro pada Bank Lain berdasarkan Mata Uang Performance
Demand Deposits with Other Banks by Currency Highlights
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023 Management
Description
Nominal % Report
Rupiah 19.706 104.825 (85.119) (81,20)
Mata Uang Asing 2.001.848 2.552.042 (550.194) (21,56) Company
Foreign Exchange
Jumlah Profile
2.021.554 2.656.867 (635.313) (23,91)
Total
Cadangan Kerugian Penurunan Nilai (565) (932) 367 (39,38)
Allowance for Impairment Losses MANAGEMENT
Jumlah Bersih DISCUSSION
2.020.989 2.655.935 (634.946) (23,91) AND ANALYSIS
Net Total
Penempatan pada Bank Indonesia dan Placements with Bank Indonesia and Business
Bank Lain – Bersih Other Banks - Net Support
Penempatan dana Bank bersih di bank lain dan Bank The Bank’s net placement of funds in other banks and Overview
Indonesia pada tahun 2024 tercatat Rp8.726 miliar, naik Bank Indonesia in 2024 was recorded at Rp8,726 billion,
39,32% dibandingkan tahun 2023 yang sebesar Rp6.263 an increase of 39.32% compared to 2023, which amounted Corporate
miliar. Peningkatan ini karena Bank melakukan diversifikasi to Rp6,263 billion. This increase was because the Bank Governance
penempatan ke Antar Bank dengan rate yang lebih baik. diversified its placements to Interbank with better rates.
Sustainability
Rincian Penempatan pada Bank Indonesia dan Bank Lain Report
Details of Placements with Bank Indonesia and Other Banks
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Rupiah
Deposit Facility 2.294.000 1.650.000 644.000 39,03
Call Money 2.440.089 - 2.440.089 100,00
Jumlah Rupiah 4.734.089 1.650.000 3.084.089 186,91
Total Rupiah
Mata Uang Asing
Foreign Currency
Term Deposit 3.702.316 4.467.117 (764.801) (17,12)
Call Money 289.710 146.272 143.438 98,06
Jumlah Mata Uang Asing 3.992.026 4.613.389 (621.363) (13,47)
Total Foreign Currency
Jumlah 8.726.115 6.263.389 2.462.726 39,32
Total
Cadangan Kerugian Penurunan Nilai
Allowance for Impairment Losses (139) (12) (127) 1.058,33
Jumlah Bersih 8.725.976 6.263.377 2.462.599 39,32
Net Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 138
Efek-efek – Bersih Securities - Net
Efek-efek merupakan salah satu alternatif penempatan dana Securities are one of the alternative placements of funds
yang dilakukan Bank selain pada pos pinjaman yang diberikan. made by the Bank in addition to loans. As of December 31,
Per 31 Desember 2024, jumlah efek-efek yang dimiliki Bank 2024, the Bank’s securities amounted to Rp22,123 billion, an
berjumlah Rp22.123 miliar, mengalami kenaikan 22,01% increase of 22.01% compared to Rp18,132 billion in 2023.
dibandingkan tahun 2023 yang sebesar Rp18.132 miliar.
Peningkatan ini disebabkan oleh adanya penempatan SUKBI This increase was due to the placement of SUKBI at Bank
pada Bank Nano Syariah pada akhir tahun 2024 sebesar Nano Syariah at the end of 2024 amounting to Rp2,850
Rp2.850 miliar serta adanya peningkatan penempatan billion and an increase in the placement of Sovereign Paper
Sovereign Paper (SRBI/Sekuritas Rupiah Bank Indonesia) (SRBI/Bank Indonesia Rupiah Securities) of Rp1,768 billion.
sebesar Rp1.768 miliar.
Rincian Efek-efek
Details of Securities
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
136 Uraian
Pertumbuhan (Penurunan)
Increase (Decrease)
2024 2023
Description
Nominal %
Ikhtisar Kinerja
2024 Rupiah 21.356.360 17.321.761 4.034.599 23,29
Mata Uang Asing
766.915 810.310 (43.395) (5,36)
Laporan Foreign Currency
Manajemen Jumlah
22.123.275 18.132.071 3.991.204 22,01
Total
Profil Cadangan Kerugian Penurunan Nilai
Perusahaan (245) (269) (24) 8,92
Allowance for Impairment Losses
Jumlah Bersih
22.123.030 18.131.802 3.991.228 22,01
ANALISIS DAN Net Total
PEMBAHASAN
MANAJEMEN
Efek yang Dibeli dengan Janji Jual Kembali Bersih Securities Purchased under Net Resale Agreements
Tinjauan Efek yang dibeli dengan janji jual kembali merupakan Securities purchased under resale agreements are
Pendukung
Bisnis
efek-efek dengan jangka waktu 7 hari. Pada akhir tahun instruments with a maturity period of seven days. As of the
2024 jumlah efek yang dibeli dengan janji jual kembali end of 2024, the Bank recorded a balance of Rp192 billion for
Tata Kelola bersih yang tercatat di buku Bank adalah sebesar Rp192 these securities, compared to nil as of December 31, 2023.
Perusahaan milliar, sedangkan pada 31 Desember 2023, nilai pada pos However, when measured against the average placements
tersebut adalah nihil. Namun jika dibandingkan dari rata-rata throughout the year, there was a notable decline—from
Laporan penempatan sepanjang tahun, maka terjadi penurunan dari Rp683 billion in the previous year to Rp170 billion in 2024.
Keberlanjutan Rp683 miliar menjadi Rp170 miliar.
Rincian Efek yang Dibeli dengan Janji Jual Kembali
Details of Securities Purchased under Agreements to Resale
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Efek yang dibeli dengan janji jual kembali bersih– Pihak Ketiga
193.748 - 192.215 100,00%
Securities purchased with net resale agreements - Third parties
Bunga diterima dimuka yang belum diamortisasi
(1.522) - -1.522 100,00%
Unamortized interest received in advance
Jumlah Bersih
192.215 - 192.215 100,00%
Net Total
Biaya Dibayar di Muka Prepaid Expenses
Biaya dibayar di muka yang dimiliki Bank tahun 2024 sebesar In 2024, the Bank’s prepaid expenses amounted to Rp612
Rp612 miliar, mengalami penurunan 33,62% dibandingkan billion, a decrease of 33.62% compared to 2023, which
tahun 2023 yang mencapai Rp922 miliar. Penurunan ini reached Rp922 billion. This decline was due to a decline in
disebabkan dari menurunnya biaya dibayar dimuka asuransi the insurance prepaid expenses by 52.00% or Rp359 billion.
sebesar 52,00% atau Rp359 miliar.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 139
Rincian Biaya Dibayar di Muka
Details of Prepaid Expenses
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Asuransi
331.165 689.983 (358.818) (52,00)
Insurance
Pemeliharaan Perangkat Lunak dan Keras
116.482 102.252 14.230 13,92
Software and Hardware Maintenance
Promosi dan Pengembangan Usaha
67.490 54.443 13.047 23,96
Promotion and Operating Development
Sewa
22.820 19.912 2.908 14,60
Rental
Program Kepemilikan Kendaraan Karyawan
20.993 2.402 18.591 773,98
Vehicle Ownership Program
Jasa Produksi
17.034 - 17.034 100,00
Production Services
Renovasi Cabang Baru
14.859 16.282 (1.423) (8,74)
137
New Branches Renovation Costs
Lain-lain 2024
21.134 36.674 (15.540) (42,37)
Others Performance
Jumlah
Highlights
611.977 921.948 (309.971) (33,62)
Total
Management
Aset Tetap Bersih Net Fixed Assets Report
Jumlah aset tetap bersih Bank tahun 2024 sebesar Rp1.556 The Bank’s net fixed assets in 2024 amounted to Rp1,556
miliar, lebih rendah 3,13% dibandingkan tahun 2023 yang billion, 3.13% lower than in 2023, which amounted to Rp1,606 Company
sebesar Rp1.606 miliar. Hal tersebut disebabkan pada tahun billion. This is because in 2024 the Bank did not add many Profile
2024 Bank tidak banyak melakukan penambahan aset tetap fixed assets so that the book value of the Bank’s net fixed
sehingga nilai buku aset tetap bersih Bank menurun karena assets decreased due to the recording of accumulated
MANAGEMENT
adanya pencatatan akumulasi aset dari tahun sebelumnya. assets from the previous year. DISCUSSION
AND ANALYSIS
Aset Lain-lain – Bersih Other Assets - Net
Bank mencatat jumlah aset lain-lain bersih pada tahun 2024 In 2024, the Bank recorded a total other assets - net of Business
sebesar Rp375 miliar, turun 17,65% dibandingkan tahun 2023 Rp375 billion, a decrease of 17.65% compared to Rp456 Support
yang sebesar Rp456 miliar. Penurunan tersebut dikontribusi billion in 2023. The decline was contributed by a decrease Overview
oleh menurunnya pos uang muka pembelian aset dan in down payments for asset purchases and bills related to
tagihan sehubungan dengan ATM bersama yang masing- ATM Bersama, which were 26.14% and 33.02% respectively. Corporate
masing sebesar 26,14% dan 33,02%. Governance
Liabilitas Liabilities Sustainability
Jumlah liabilitas Bank pada akhir tahun 2024 mengalami The Bank’s total liabilities in 2024 increased by 6.11% Report
kenaikan 6,11% dibandingkan tahun 2023, dari Rp37.789 compared to 2023, from Rp37,789 billion to Rp40,099
miliar menjadi Rp40.099. Peningkatan tersebut disebabkan billion. The increase was driven by a 7.84% growth in public
simpanan masyarakat bertumbuh 7,84% atau naik sebesar deposits, equivalent to an increase of Rp2.755 billion.
Rp2.755 miliar.
Rincian Liabilitas
Details of Liabilities
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Liabilitas Segera
178.778 167.982 10.796 6,43
Liabilities Immediately Payable
Simpanan
37.897.415 35.142.585 2.754.830 7,84
Deposits
Simpanan dari Bank Lain
66.760 327.445 (260.685) (79,61)
Deposits from Other Banks
Efek yang Dijual dengan Janji Dibeli Kembali
879.455 1.051.717 (172.262) (16,38)
Securities Sold under Agreements to Repurchase
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 140
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Utang Pajak
52.719 52.572 147 0,28
Taxes Payable
Liabilitas Akseptasi
38.160 79.880 (41.720) (52,23)
Acceptances Payable
Beban yang Masih Harus Dibayar
44.216 43.816 400 0,91
Accrued Expenses
Liabilitas Imbalan Kerja Jangka Panjang
44.749 35.426 9.323 26,32
Long-term Employee Benefits Liability
Obligasi Subordinasi – Bersih
497.505 496.512 993 0,20
Subordinated Bonds - Net
Liabilitas Lain-lain
399.533 390.973 8.560 2,19
Other Liabilities
Jumlah
40.099.290 37.788.908 2.310.382 6,11
Total
138
Ikhtisar Kinerja
Liabilitas Segera Liabilities Immediately Payable
2024 Liabilitas segera Bank pada tahun 2024 sebesar Rp179 In 2024, the Bank’s liabilities immediately payable reached
miliar, meningkat 6,43% dibandingkan tahun 2023 yang Rp179 billion, an increase of 6.43% compared to 2023,
Laporan sebesar Rp168 miliar. Kenaikan ini dari naiknya beban akrual which amounted to Rp165 billion. This increase was due to
Manajemen sebesar 32,54% dan liabilitas jasa produksi di akhir tahun an increase in accrual expenses of 32.54% and production
2024 sebesar Rp24 milar. service liabilities of Rp24 billion at the end of 2024.
Profil
Perusahaan
Rincian Liabilitas Segera
Details of Liabilities Immediately Payable
ANALISIS DAN dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
PEMBAHASAN Pertumbuhan (Penurunan)
MANAJEMEN Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Tinjauan Beban Akrual
Pendukung 79.548 60.018 19.530 32,54
Accrued Expenses
Bisnis
Liabilitas sehubungan dengan Jaringan ATM
27.083 61.935 (34.852) (56,27)
Payable related to ATM Network
Tata Kelola
Kiriman Uang
Perusahaan 24.540 19.669 4.871 24,76
Transfer Checks for Collection and Clearing
Liabilitas Jasa Produksi
Laporan 23.770 - 23.770 100,00
Production Service Payable
Keberlanjutan
Liabilitas Pihak Ketiga
5.842 - 5.842 100,00
Third-Party Payable
Liabilitas Pembayaran Online
4.546 8.644 (4.098) (47,41)
Online Payment Payable
Titipan Uang Elektronik
3.708 2.881 827 28,71
Electronic Money Deposit
Program Loyalitas Pelanggan
2.981 2.981 - 0,00
Customer Loyalty Program
Liabilitas Administrasi Kredit
2.587 6.062 (3.475) (57,32)
Loans Administration Payable
Lain-lain
4.173 5.792 (1.619) (27,95)
Others
Jumlah
178.778 167.982 10.796 6,43
Total
Simpanan Deposits
Jumlah simpanan masyarakat yang dikelola oleh Bank hingga Total public deposits managed by the Bank until the end of
akhir tahun 2024 mencapai Rp37.897 miliar, mengalami 2024 reached Rp37,897 billion, experienci an increase of
kenaikan 4,77% apabila dibandingkan dengan tahun 2023 4.77% compared to 2023 which was Rp35,143 billion. The
yang sebesar Rp35.143 miliar. Kenaikan simpanan didorong increase in deposits was due to an increase in demand
oleh giro dan tabungan yang meningkat masing-masing naik deposits and savings by 17.93% and 6.24% respectively, while
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 141
sebesar 17,93% dan 6,24%, sedangkan deposito berjangka time deposits decreased by 5.67%. The increase in current
mengalami penurunan sebesar 5,67%. Meningkatnya giro and savings accounts contributed to the rise in the Bank’s
dan tabungan berpengaruh terhadap meningkatnya rasio CASA ratio to 75.88%, up from 72.42% in the previous year.
CASA terhadap total simpanan menjadi sebesar 75,88% dari
tahun sebelumnya sebesar 72,42%.
Simpanan Masyarakat berdasarkan Jenis
Public Deposits by Type
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Giro
17.314.175 14.682.168 2.632.007 17,93
Demand Deposits
Tabungan
11.440.897 10.768.878 672.019 6,24
Savings
Deposito Berjangka
Time Deposits
9.142.343 9.691.539 (549.196) (5,67)
139
Jumlah
37.897.415 35.142.585 2.754.830 7,84
Total 2024
Jumlah CASA (%) Performance
75,88 72,42 3,45 4,77 Highlights
Total CASA (%)
Management
Simpanan dari Bank Lain Deposits from Other Banks Report
Simpanan dari bank lain pada akhir 2024 sebesar Rp67 Deposits from other banks at the end of 2024 amounted to
miliar, lebih rendah 79,61% dibandingkan tahun 2023 yang Rp67 billion, 79.61% lower than in 2023, which amounted to Company
mencapai Rp327 miliar. Kontribusi utama penurunan simpanan Rp327 billion. The main contribution to the decline in deposits Profile
dari bank lain dikarenakan Bank mengurangi interbank taking from other banks due to the Bank reducing in interbank
sehubungan dengan likuiditas yang memadai. borrowing as a result of having sufficient liquidity.
MANAGEMENT
DISCUSSION
Simpanan dari Bank Lain Berdasarkan Jenis AND ANALYSIS
Deposits from Other Banks by Type
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan) Business
Uraian Increase (Decrease) Support
2024 2023
Description Overview
Nominal %
Giro
45.086 41.271 3.815 9,24
Demand Deposits Corporate
Deposito Berjangka Governance
21.674 11.174 10.500 93,97
Time Deposits
Call Money - 275.000 (275.000) (100,00)
Sustainability
Jumlah Report
66.760 327.445 (260.685) (79,61)
Total
Efek-efek yang Dijual dengan Janji Beli Kembali Securities Sold under Agreements to Repurchase
Pada akhir tahun 2024, Bank melakukan transaksi efek- At the end of 2024, the Bank conducted transactions with
efek yang dijual dengan janji beli kembali – pihak ketiga other banks involving securities sold under agreements to
dengan bank lain senilai Rp879 miliar, lebih rendah 16,38% repurchase from third parties totaling Rp879 billion, a 16.38%
dibandingkan tahun 2023 yang sebesar Rp1.052 miliar. decrease from Rp1,052 billion in 2023. However, when
Namun jika dibandingkan dari rata-rata sepanjang tahun, compared to the average throughout the year, there was an
maka terjadi kenaikan dari Rp88 miliar menjadi Rp583 miliar. increase from Rp88 billion to Rp583 billion. This transaction
Tujuan dari transaksi ini adalah untuk menjaga likuiditas. was intended to maintain liquidity near the end of the year
was intended to maintain liquidity.
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Efek yang Dijual dengan Janji Beli Kembali
879.455 1.051.717 (172.262) (16,38)
Securities Sold under Agreements to Repurchase
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2024 PT. Bank Sinarmas Tbk.
Page 142
Utang Pajak Taxes Payable
Jumlah utang pajak Bank pada tahun 2024 sebesar Rp53 In 2024, the Bank’s tax payable amounted to Rp53 billion,
miliar, cenderung stabil apabila dibandingkan dengan tahun tending to be stable when compared to 2023 which was
2023 yang sebesar Rp52,6 miliar. Rp52.6 billion.
Rincian Utang Pajak
Details of Taxes Payable
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Pajak Kini
5.401 22.677 (17.276) (76,18)
Current Tax
Pajak Penghasilan
Income Tax
Pasal 4
19.873 14.446 5.427 37,57
Article 4
140 Pasal 21
19.419 5.813 13.606 234,06
Article 21
Ikhtisar Kinerja Pasal 23 dan 26
2.169 2.244 (75) (3,34)
2024 Article 23 and 26
Pasal 25
3.933 - 3.933 100,00
Laporan Article 25
Manajemen Pajak Pertambahan Nilai
1.924 7.392 (5.468) (73,97)
Value Added Tax
Profil Jumlah
Perusahaan 52.719 52.572 147 0,28
Total
ANALISIS DAN
PEMBAHASAN Liabilitas Akseptasi Acceptance Payable
MANAJEMEN Bank mencatat liabilitas akseptasi sebesar Rp38 miliar, The Bank recorded acceptance payable of Rp38 billion,
mengalami penurunan 52,23% dibandingkan tahun 2023 experiencing a decrease of 52.23% compared to 2023 which
Tinjauan yang sebesar Rp80 miliar. Penurunan terjadi pada liabilitas was Rp80 billion. The decrease occurred in acceptance
Pendukung
Bisnis
akseptasi dalam mata uang rupiah dan asing yang masing- liabilities in rupiah and foreign currencies which decreased
masing turun sebesar 75,23% dan 38,54%. by 75.23% and 38.54% respectively.
Tata Kelola
Perusahaan Liabilitas Akseptasi berdasarkan Mata Uang
Acceptances Payable by Currency
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Laporan
Pertumbuhan (Penurunan)
Keberlanjutan Uraian
2024 2023 Increase (Decrease)
Description
Nominal %
Rupiah 7.382 29.798 (22.416) (75,23)
Mata Uang Asing
30.778 50.082 (19.304) (38,54)
Foreign Currency
Jumlah
38.160 79.880 (41.720) (52,23)
Total
Liabilitas Imbalan Kerja Jangka Panjang Long-term Employee Benefits Liabilities
Bank membukukan liabilitas imbalan kerja jangka panjang di The Bank recorded long-term employee benefit liabilities at
akhir tahun 2024 sebesar Rp45 miliar, mengalami kenaikan the end of 2024 amounting to Rp45 billion, an increase of
26,32% dibandingkan tahun 2023 yang sebesar Rp35 miliar. 26.32% compared to 2023, which amounted to Rp35 billion.
Peningkatan ini seiring dengan kenaikan gaji karyawan. This increase is in line with the increase in salaries.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 143
Rincian Liabilitas Imbalan Kerja Jangka Panjang
Details of Long-term Employee Benefits Liabilities
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Liabilitas Imbalan Kerja Jangka Panjang Awal Tahun
Long-term Employee Benefit Liabilities at the Beginning of the 35.426 36.141 (715) (1,98)
Year
Beban (Pendapatan) Imbalan Jangka Panjang Tahun Berjalan
Long-Term Employee Benefits Liability Expense (Income) during 26.752 16.301 10.451 64,11
the Year
Kerugian Komprehensif Lain
1.491 2.984 (1.493) (50,03)
Other Comprehensive Losses
Kelebihan Pembayaran Imbalan Kerja
(10.808) - (10.808) 100,00
Excess in Benefit Payment
Iuran Perusahaan
(8.112) (20.000) 11.888 (59,44)
Company Contribution
Liabilitas Imbalan Kerja Jangka Panjang Akhir Tahun
Long-term Employee Benefit Liabilities at End of the Year
44.749 35.426 9.323 26,32 141
2024
Obligasi Subordinasi Subordinated Bonds Performance
Pada tanggal 29 Juni 2022, Perusahaan menerbitkan Obligasi On June 29, 2022, the Company issued Sustainable Highlights
Subordinasi Berkelanjutan sebesar Rp500 miliar dengan Subordinated Bonds in the amount of Rp500 billion with a
jangka waktu 5 (lima) tahun yang akan jatuh tempo pada maturity period of five (5) years, which will mature on July 8, Management
tanggal 8 Juli 2027. Pada akhir tahun 2024, nilai obligasi 2027. As of the end of 2024, the net value of the subordinated Report
subordinasi bersih adalah sebesar Rp498 miliar. Dana yang bonds amounted to Rp498 billion. The funds raised from the
diperoleh dari hasil Penawaran Umum Berkelanjutan Obligasi Public Offering of the Sustainable Subordinated Bonds, after Company
Subordinasi Berkelanjutan setelah dikurangi dengan biaya- deducting issuance costs, were entirely used to strengthen Profile
biaya emisi, seluruhnya dipergunakan untuk memperkuat the Company’s capital structure in order to support plans for
permodalan dalam rangka mendukung rencana penyaluran extending credit with longer tenors.
MANAGEMENT
kredit dengan tenor yang lebih panjang. DISCUSSION
AND ANALYSIS
Rincian Obligasi Subordinasi – Bersih
Details of Subordinated Bonds - Net
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated Business
Support
Pertumbuhan (Penurunan)
Uraian Overview
2024 2023 Increase (Decrease)
Description
Nominal %
Obligasi Subordinasi Bank Sinarmas Tahap I Tahun 2022 Corporate
500.000 500.000 - 0,00
Subordinated Bonds of Bank Sinarmas Phase I of 2022 Governance
Diskonto yang Belum Diamortisasi
(2.495) (3.488) (993) 28,47
Unamortized Discount
Sustainability
Jumlah Bersih Report
497.505 496.512 993 0,20
Net Total
Liabilitas Lain-lain Other Liabilities
Pada akhir tahun 2024, jumlah liabilitas lain-lain sebesar At the end of 2024, the Bank’s total other liabilities reached
Rp400 miliar, lebih tinggi 2,19% dibandingkan tahun 2023 Rp400 billion, 2.19% higher than in 2023, which amounted to
yang sebesar Rp391 miliar. Peningkatan ini berasal dari Rp391 billion. This increase was primarily attributable to a rise
setoran jaminan yang meningkat sebesar 12,27% dan pada in guarantee deposits, which grew by 12.27% and at the end
akhir tahun 2024 terdapat penilaian pajak penghasilan of 2024 there was an income tax assessment of Rp20 billion.
sebesar Rp20 miliar.
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2024 PT. Bank Sinarmas Tbk.
Page 144
Rincian Liabilitas Lain-lain
Details of Other Liabilities
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Setoran Jaminan
176.743 157.425 19.318 12,27
Security Deposits
Liabilitas Sewa
129.916 133.368 (3.452) (2,59)
Lease Liabilities
Pendapatan yang Ditangguhkan
24.124 22.945 1.179 5,14
Deferred Income
Penilaian Pajak Penghasilan
19.746 - 19.746 100,00
Income Tax Assessment
Liabilitas terkait Asuransi Kredit
13.580 23.005 (9.425) (40,97)
Liability Related to Insurance Credit
Estimasi Kerugian Komitmen dan Kontinjensi
8.803 7.640 1.163 15,22
Estimated Losses on Commitment and Contingencies
142 Liabilitas sehubungan dengan Pinjaman
2.381 4.028 (1.647) (40,89)
Liabilities in connection with Loans
Ikhtisar Kinerja Liabilitas Derivatif
1.746 3.235 (1.489) (46,03)
2024 Derivatives Liabilities
Setoran Penyelesaian Hapus Buku
1.021 731 290 39,67
Laporan Deposit for Write-off Settlement
Manajemen
Setoran Penyelesaian AYDA
168 306 (138) (45,10)
Deposit for Foreclosed Assets Settlement
Profil Titipan Setoran Pajak ke KPPN
Perusahaan 114 3.871 (3.757) (97,06)
Deposit Tax Payments to the KPPN
Penampungan Cadangan Biaya Spin-Off
ANALISIS DAN - 11.851 (11.851) (100,00)
Escrow for Spin-Off Costs
PEMBAHASAN
Lain-lain
MANAJEMEN 21.191 22.568 (1.377) (6,10)
Others
Jumlah
Tinjauan 399.533 390.973 8.560 2,19
Total
Pendukung
Bisnis
Tata Kelola Ekuitas Equity
Perusahaan Jumlah ekuitas pada akhir tahun 2024 mencapai Rp8.600 At the end of 2024, total equity reached Rp8,600 billion, an
miliar, mengalami kenaikan 9,87% dibandingkan tahun 2023 increase of 9.87% compared to Rp7,827 billion in 2023. This
Laporan yang sebesar Rp7.827 miliar. Peningkatan ini disebabkan increase is due to the fact that in 2024 there was non-controlling
Keberlanjutan pada tahun 2024 terdapat kepentingan non pengendali interests amounting to Rp 567 billion and an increase in the
sebesar Rp567 miliar dan meningkatnya pos saldo laba unappropriated retained earnings post by 17.09%.
tidak ditentukan penggunaannya sebesar 17,09%.
Rincian Ekuitas
Details of Equity
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Modal Saham
1.971.616 1.971.616 - 0,00
Capital Stock
Tambahan Modal Disetor
3.552.194 3.552.194 - 0,00
Additional Paid-in Capital
Komponen Ekuitas Lainnya
502.000 588.242 (86.242) (14,66)
Other Equity Components
Saldo Laba Ditentukan Penggunaannya
10.000 9.500 500 5,26
Appropriated Retained Earnings
Saldo Laba Tidak Ditentukan Penggunaannya
1.996.630 1.705.216 291.414 17,09
Unappropriated Retained Earnings
Kepentingan Non-Pengendali
567.182 - 567.182 100,00
Non-Controlling Interest
Jumlah
8.599.622 7.826.768 772.854 9,87
Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 145
KINERJA LABA/RUGI PROFIT/LOSS PERFORMANCE
Pada tahun 2024, laba bersih yang dibukukan mencapai In 2024, the Company recorded a net profit of Rp370 billion,
Rp370 miliar atau naik 388,33% dari tahun 2023. Kenaikan representing a significant increase of 388.33% compared to
ini didorong oleh meningkatnya keuntungan dari penjualan 2023. This substantial growth was driven by higher gains from
efek-efek yang diukur melalui laba rugi dan menurunnya the sale of securities measured at fair value through profit or
kerugian penurunan nilai aset keuangan (CKPN). Peningkatan loss, as well as a reduction in impairment losses on financial
laba bersih mendorong naiknya laba bersih per saham dasar assets. The increase in net profit drove an increase in basic
dari Rp3,84 menjadi Rp14,75 per lembar saham. net income per share from Rp3.84 to Rp14.75 per share.
Laporan Laba Rugi dan Penghasilan Komprehensif
Statements of Profit or Loss and Comprehensive Income
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Pendapatan Bunga
3.018.913 2.781.795 237.118 8,52
Interest Revenue
Pendapatan Syariah
769.990 734.016 35.974 4,90
143
Sharia Income
Beban Bunga 2024
(829.608) (632.923) 196.685 31,08
Interest Expense Performance
Beban Syariah Highlights
(360.487) (259.569) 100.918 38,88
Sharia Expense
Pendapatan Bunga dan Syariah – Bersih
2.598.808 2.623.319 (24.511) (0,93)
Interest Revenue and Sharia Income – Net Management
Pendapatan Operasional Lainnya Report
Other Operating Revenues
Provisi dan Komisi Selain dari Kredit
502.363 425.536 76.827 18,05 Company
Fees and Commissions other than from Loans
Profile
Keuntungan dari Kenaikan Nilai Wajar Efek-efek yang Diukur
melalui Laba Rugi – Bersih
5.052 67.541 (62.489) (92,52)
Gain on Increase in Fair Value of Securities at Fair Value through
Profit and Loss - Net MANAGEMENT
Keuntungan Kurs Mata Uang Asing – Bersih DISCUSSION
104.588 76.312 28.276 37,05 AND ANALYSIS
Gain on Foreign Exchange - Net
Keuntungan dari Penjualan Efek-efek yang Diukur melalui Laba
Rugi – Bersih
146.827 - 146.827 100,00 Business
Gain on Sale of Fair Value of Securities at Fair Value through
Profit and Loss - Net Support
Overview
Penerimaan Kembali Aset yang Telah Dihapusbukukan
197.929 123.196 74.733 60,66
Recovery of Written-Off Assets
Lain-lain
19.589 233.480 (213.891) (91,61) Corporate
Others
Governance
Jumlah Pendapatan Operasional
3.575.156 3.549.384 25.772 0,73
Total Operating Revenues
Beban Operasional Lainnya Sustainability
Other Operating Expenses Report
Umum dan Administrasi
(1.456.772) (1.196.199) 260.573 21,78
General and Administrative Expenses
Tenaga Kerja
(1.282.509) (1.018.965) 263.544 25,86
Personnel Expense
Kerugian Penurunan Nilai Aset Keuangan
(43.538) (895.494) (851.956) (95,14)
Impairment Losses on Financial Assets
Penyusutan Aset Tetap dan Aset Hak Guna
(295.164) (267.244) 27.920 10,45
Depreciation – Property and Equipment and Right-of-Use Assets
Biaya Komisi
(42.719) (33.303) 9.416 28,27
Commission Expense
Kerugian dari Penjualan Efek-efek yang Diukur melalui Laba
Rugi – Bersih
- (7.725) (7.725) (100,00)
Loss on Sale of Fair Value of Securities at Fair Value through
Profit and Loss - Net
Lain-lain
(15.638) (56.876) (41.238) (72,51)
Others
Jumlah Beban Operasional
(3.136.340) (3.475.806) (339.466) (9,77)
Other Operating Expenses
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 146
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Laba Sebelum Pajak
438.816 73.578 365.238 496,40
Profit Before Tax
Manfaat (Beban) Pajak
(68.679) 2.218 70.897 3.196,44
Tax Benefit (Expense)
Laba Bersih
370.137 75.796 294.341 388,33
Net Income
Laba (Rugi) Komprehensif Lain
Other Comprehensive Income (Loss)
Pos yang Akan Direklasifikasi ke Laba Rugi
(86.242) 383.239 (469.481) (122,50)
Item that will be Reclassified Subsequently to Profit or Loss
Pos yang Tidak Akan Direklasifikasi ke Laba Rugi
1.069 82.725 (81.656) (98,71)
Items that will not be Reclassified to Profit or Loss
Jumlah Laba (Rugi) Komprehensif Lain
(85.173) 465.964 (551.137) (118,28)
Total Other Comprehensive Income (Loss)
Jumlah Laba (Rugi) Komprehensif
284.964 541.760 (256.796) (47,40)
Total Comprehensive Income (Loss)
144 Laba yang Dapat Diatribusikan Kepada:
Income Attributable to:
Pemilik Entitas Induk
Ikhtisar Kinerja 290.845 75.796 215.049 283,72
Owners of the Parent Company
2024
Kepentingan Non-Pengendali
79.292 - 79.292 100,00
Non-Controlling Interest
Laporan Laba Komprehensif yang Dapat Diatribusikan Kepada:
Manajemen Comprehensive Income Attributable to:
Pemilik Entitas Induk
205.672 541.760 (336.088) (62,04)
Profil Owners of the Parent Company
Perusahaan Kepentingan Non-Pengendali
79.292 - 79.292 100,00
Non-Controlling Interest
Laba Bersih per Saham (Nilai Penuh)
ANALISIS DAN
Earnings per Share (in full Rupiah)
PEMBAHASAN
MANAJEMEN Dasar
14,75 3,84 10,91 284,11
Basic
Tinjauan
Pendukung
Bisnis
Pendapatan Bunga dan Syariah Bersih Net Interest and Sharia Income
Pendapatan bunga dan syariah bersih tercatat sebesar Net interest and sharia income was recorded at Rp2,599
Tata Kelola Rp2.599 miliar, turun 0,93% dibandingkan tahun 2023 yang billion, down 0.93% compared to 2023 which was Rp2,623
Perusahaan sebesar Rp2.623 miliar. Penurunan ini di sebabkan oleh billion. This decrease was caused by a greater increase in
peningkatan beban bunga yang lebih besar dibandingkan interest expenses compared to interest income.
Laporan pendapatan bunga.
Keberlanjutan
Pendapatan Bunga dan Syariah Interest Revenue and Sharia Income
Pendapatan bunga dan syariah untuk tahun yang berakhir Interest and sharia income for the year ended December 31,
pada tanggal 31 Desember 2024 mencapai Rp3.789 miliar, 2024 reached Rp3,789 billion, recording a positive growth
mencatatkan pertumbuhan yang positif sebesar 7,77% secara of 7.77% annually, mainly from loans and financing disbursed.
tahunan, terutama dari kredit dan pembiayaan yang disalurkan.
Pendapatan bunga dari kredit dan pembiayaan yang Interest income from loans and financing disbursed increased
disalurkan mengalami kenaikan sebesar Rp200 miliar atau by Rp200 billion or 10.69% compared to 2023. This increase
10,69% dibandingkan tahun 2023. Peningkatan pendapatan in income was due to total loans and financing starting to
ini dikarenakan total kredit dan pembiayaan yang mulai increase in the fourth quarter of 2023 and reaching Rp17
meningkat pada triwulan IV-2023 dan mencapai Rp17 triliun trillion at the end of 2023, remaining in the range of Rp16
di akhir tahun 2023, tetap terjaga pada rentang Rp16 triliun trillion - Rp17 trillion throughout 2024, before declining at the
– Rp17 triliun di sepanjang tahun 2024, sebelum mengalami end of December 2024.
penurunan pada akhir bulan Desember 2024.
Pendapatan bunga yang diterima dari efek-efek meningkat Interest income received from securities increased by Rp93
Rp93 miliar atau 7,78% seiring dengan meningkatnya billion or 7.78% in line with the increase in fund placements in
penempatan dana pada SUKBI dan Sekuritas Rupiah Bank SUKBI and Bank Indonesia Rupiah Securities.
Indonesia.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 147
Di sisi lain, terdapat penurunan pada pendapatan bunga On the other hand, there was a decrease in interest income
dari efek yang dibeli dengan janji dijual kembali sebesar from securities purchased with resale agreements of Rp29
Rp29 miliar atau 72,88%, sejalan dengan penurunan rata- billion or 72.88%, in line with the decrease in average
rata penempatan dari Rp683 miliar menjadi Rp170 miliar, placement from Rp683 billion to Rp170 billion, which was
yang dikarenakan Bank mengalihkan penempatan likuiditas due to the Bank shifting liquidity placement to credit and
pada kredit dan pembiayaan serta aset produktif lain yang financing and other productive assets that provide higher
memberikan imbal hasil lebih tinggi. yields.
Rincian Komponen Pendapatan Bunga dan Syariah
Details of Interest Revenue and Sharia Income Components
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Pendapatan Bunga
Interest Revenue
Rupiah
Kredit yang Diberikan
1.539.973 1.174.841 365.132 31,08
145
Loans
Efek-efek 2024
971.883 1.041.086 (69.203) (6,65)
Securities
Performance
Penempatan pada Bank Lain dan Bank Indonesia Highlights
155.235 158.097 (2.862) (1,81)
Placements with Other Banks and Bank Indonesia
Giro pada Bank Lain dan Bank Indonesia
19.923 21.156 (1.233) (5,83)
Demand Deposits with Other Banks and Bank Indonesia Management
Efek yang Dibeli dengan Janji Jual Kembali Report
10.836 39.962 (29.126) (72,88)
Securities Purchased under Agreements to Resell
Jumlah
2.697.850 2.435.142 262.708 10,79 Company
Total
Mata Uang Asing Profile
Foreign Currency
Penempatan pada Bank Lain dan Bank Indonesia
187.513 173.371 14.142 8,16 MANAGEMENT
Placements with Other Banks and Bank Indonesia
DISCUSSION
Efek-efek
76.201 25.893 50.308 194,29 AND ANALYSIS
Securities
Kredit yang Diberikan
47.198 137.995 (90.797) (65,80)
Loans Business
Giro pada Bank Lain dan Bank Indonesia Support
10.151 9.394 757 8,06
Demand Deposits with Other Banks and Bank Indonesia Overview
Jumlah
321.063 346.653 (25.590) (7,38)
Total
Jumlah Pendapatan Bunga Corporate
3.018.913 2.781.795 237.118 8,52
Total Interest Revenues Governance
Pendapatan Syariah
Sharia Income
Rupiah
Sustainability
Report
Piutang dan Pembiayaan Syariah
477.150 555.063 (77.913) (14,04)
Sharia Receivables and Financing
Efek-efek
237.438 125.693 111.745 88,90
Securities
Penempatan pada Bank Lain dan Bank Indonesia
46.598 45.594 1.004 2,20
Placements with Other Banks and Bank Indonesia
Giro pada Bank Lain dan Bank Indonesia
3.829 - 3.829 100,00
Demand Deposits with Other Banks and Bank Indonesia
Jumlah
765.015 726.350 38.665 5,32
Total
Mata Uang Asing
Foreign Currency
Piutang dan Pembiayaan Syariah
3.185 - 3.185 100,00
Sharia Receivables and Financing
Giro pada Bank Lain dan Bank Indonesia
1.136 - 1.136 100,00
Demand Deposits with Other Banks and Bank Indonesia
Efek-efek
654 699 (45) (6,44)
Securities
Penempatan pada Bank Lain dan Bank Indonesia
- 6.967 (6.967) (100,00)
Placements with Other Banks and Bank Indonesia
Jumlah
4.975 7.666 (2.691) (35,10)
Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 148
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Jumlah Pendapatan Syariah
769.990 734.016 35.974 4,90
Total Sharia Income
Jumlah Pendapatan Bunga dan Syariah
3.788.903 3.515.811 273.092 7,77
Total Interest Revenues and Sharia Income
Pendapatan Operasional Lainnya Other Operating Revenues
Pendapatan operasional di luar bunga yang dibukukan Operating income excluding interest recorded at the end
pada akhir tahun 2024 berjumlah Rp976 miliar, meningkat of 2024 amounted to Rp976 billion, an increase of 5.43%
5,43% dibandingkan tahun 2023 yang sebesar Rp926 miliar. compared to 2023 which was Rp926 billion. The largest
Peningkatan terbesar dikontribusi oleh keuntungan dari increase was contributed by gain on sale of securities at
penjualan efek-efek yang diukur melalui laba rugi dimana fair value through profit and loss which at the end of 2024
pada akhir tahun 2024 mencapai sebesar Rp147 miliar. reached Rp147 billion.
146 Pendapatan Operasional
Pada akhir tahun 2024, pendapatan operasional yang
Operating Revenue
At the end of 2024, the operating income recorded was Rp
Ikhtisar Kinerja
dibukukan adalah sebesar Rp3.575 miliar, bertumbuh 0,73% 3,575 billion, growing 0.73% from 2023 which was Rp 3,549
2024 dari tahun 2023 yang sebesar Rp3.549 miliar. Peningkatan billion. The increase was driven by an increase in other
tersebut didorong oleh meningkatnya pendapatan operating income which increased by 5.43%.
Laporan operasional lainnya yang meningkat sebesar 5,43%.
Manajemen
Beban Bunga dan Syariah Interest and Sharia Expenses
Profil Bank mencatat beban bunga dan syariah pada akhir tahun The Bank recorded interest and sharia expenses amounting
Perusahaan
2024 sebesar Rp1.190 miliar, lebih tinggi 33,35% dibandingkan to Rp1,190 billion at the end of 2024, representing an increase
tahun 2023 yang sebesar Rp892 miliar. Sebesar 82,05% of 33.35% compared to Rp892 billion in 2023. Approximately
ANALISIS DAN
PEMBAHASAN beban bunga dan syariah berasal dari beban simpanan 82.05% of the total interest and sharia expenses originated
MANAJEMEN masyarakat, yang naik 30,68% dari Rp747 miliar menjadi from public deposit costs, which rose by 30.68% from Rp747
Rp976 miliar. Peningkatan ini sejalan dengan pertumbuhan billion to Rp976 billion. This increase aligned with the growth
Tinjauan dana simpanan masyarakat yang disertai dengan kenaikan in customer deposits, accompanied by a rise in the average
Pendukung
Bisnis
rata-rata cost of fund dari 1,84% menjadi 2,24%. Kenaikan cost of funds from 1.84% to 2.24%. The higher cost of funds
cost of fund dipengaruhi oleh persaingan tingkat suku bunga was influenced by intensified competition in market interest
Tata Kelola di pasar dan upaya Bank dalam menjaga kestabilan dana rates and the Bank’s efforts to maintain funding stability by
Perusahaan dengan mengakselerasi pertumbuhan layanan nasabah accelerating the growth of its priority banking services, which
prioritas yang memberikan tingkat suku bunga lebih tinggi. offer higher interest rates. In addition to driving up interest
Laporan Selain menghasilkan beban bunga dan syariah yang lebih and sharia expenses, the increase in public deposits also
Keberlanjutan tinggi, pertumbuhan pada simpanan masyarakat juga led to a rise in government guarantee premium expenses by
meningkatkan beban premi penjamin pemerintah sebesar Rp20 billion, or 20.11% year-on-year.
Rp20 miliar atau 20,11% secara tahunan.
Beban bunga dari efek yang dijual dengan janji dibeli Interest expenses from securities sold under repurchase
kembali (repo) juga meningkat Rp32 miliar atau 579,55% agreements (repos) also increased by Rp32 billion or
secara tahunan, yang disebabkan meningkatnya rata-rata 579.55% year-on-year, driven by higher average repo
repo selama tahun 2024 sebagai bagian dari pengelolaan balances throughout 2024 as part of the Bank’s liquidity
likuiditas. management.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 149
Rincian Beban Bunga dan Syariah
Details of Interest and Sharia Expenses
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Beban Bunga
Interest Expense
Rupiah
Deposito Berjangka
(335.289) (269.162) 66.127 24,57
Time Deposits
Tabungan
(184.166) (117.592) 66.574 56,61
Savings
Giro
(98.447) (100.304) (1.857) (1,85)
Demand Deposits
Premi Penjaminan Pemerintah
(96.764) (80.800) 15.964 19,76
Premium on Government Guarantee
Obligasi Subordinasi
(33.494) (33.220) 274 0,82
Subordinated Bonds
Simpanan dari Bank Lain
Deposits from Other Banks
(19.891) (7.210) 12.681 175,88 147
Efek yang Dijual dengan Janji Dibeli Kembali
(38.021) (5.605) 32.416 578,34 2024
Securities Sold under Agrements to Repurchase
Performance
Jumlah
(806.072) (613.893) 66.127 24,57 Highlights
Total
Mata Uang Asing
Foreign Currency
Management
Deposito Berjangka Report
(18.575) (10.194) 8.381 82,22
Time Deposits
Giro
(4.501) (8.819) (4.318) (48,96)
Demand Deposits Company
Simpanan dari Bank Lain Profile
(460) (17) 443 2.605,88
Deposits from Other Banks
Jumlah
(23.536) (19.030) 4.506 23,68
Total MANAGEMENT
Jumlah Beban Bunga DISCUSSION
(829.608) (632.923) 196.685 31,08 AND ANALYSIS
Total Interest Expenses
Beban Syariah
Sharia Expense
Business
Rupiah
Support
Deposito Berjangka Overview
(215.329) (184.268) 31.061 16,86
Time Deposits
Tabungan
(93.307) (40.817) 52.490 128,60
Savings Corporate
Giro Governance
(26.432) (16.032) 10.400 64,87
Demand Deposits
Premi Penjaminan Pemerintah
(20.249) (16.625) 3.624 21,80
Premium on Government Guarantee Sustainability
Simpanan dari Bank Lain Report
(4.647) (1.827) 2.820 154,35
Deposits from Other Banks
Efek yang Dijual dengan Janji Beli Kembali
(68) - 68 100,00
Securities Sold under Agrements to Repurchase
Jumlah
(360.032) (259.569) (100.463) (38,70)
Total
Mata Uang Asing
Foreign Currency
Giro
(324) - 324 100,00
Demand Deposits
Simpanan dari Bank Lain
(86) - 86 100,00
Deposits from Other Banks
Deposito Berjangka
(43) - 43 100,00
Time Deposits
Tabungan
(2) - 2 100,00
Savings
Jumlah
(455) - 455 100,00
Total
Jumlah Beban Syariah
(360.487) (259.569) 100.918 38,88
Total Sharia Expenses
Jumlah Beban Bunga dan Syariah
(1.190.095) (892.492) 297.603 33,35
Total Interest and Sharia Expenses
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 150
Beban Operasional Lainnya Other Operating Expenses
Beban operasional lainnya untuk tahun yang berakhir pada Other operating expenses for the year ended December 31,
tanggal 31 Desember 2024 adalah Rp3.136 miliar, menurun 2024 amounted to Rp3,136 billion, marking a decrease of
9,77% dibandingkan tahun 2023 yang sebesar Rp3.476 9.77% compared to Rp3,476 billion in 2023. This decline was
miliar. Penurunan pada beban operasional dikontribusi oleh primarily driven by a significant reduction in expected credit
kerugian peningkatan nilai aset keuangan (CKPN) yang turun loss expenses (CKPN), which fell by 95.14% or Rp852 billion,
sebesar 95,14% atau Rp852 miliar, sejalan dengan terjaganya in line with the maintained quality of credit and financing. On
kualitas kredit dan pembiayaan. Di sisi lain, beban tenaga kerja the other hand, personnel expenses increased by 25.86%
mengalami peningkatan sebesar 25,86% atau Rp 264 milliar dari or Rp264 billion from the previous year, mainly due to the
tahun sebelumnya, dikarenakan adanya peraturan pajak natura. implementation of the fringe benefit tax regulation. General
Beban umum dan administrasi naik 21,78% atau setara dengan and administrative expenses rose by 21.78% or Rp261
Rp261 miliar, sebesar 66,72% dari kenaikan ini merupakan beban billion, with 66.72% of the increase attributable to software
pemeliharaan dan perbaikan perangkat lunak. maintenance and repair costs.
Laba Sebelum Pajak Penghasilan dan Laba Bersih Profit Before Income Tax and Net Profit
148 Laba sebelum pajak penghasilan yang dibukukan pada
akhir tahun 2024 sebesar Rp439 miliar, bertumbuh 496,40%
Profit before income tax recorded at the end of 2024 was
Rp439 billion, growing 496.40% or Rp365 billion from
Ikhtisar Kinerja
atau Rp365 miliar dari akhir tahun 2023. Pertumbuhan ini the end of 2023. This growth was due to positive growth
2024 disebabkan oleh pendapatan operasional yang bertumbuh in operating income, accompanied by a decrease in other
positif, disertai dengan penurunan pada beban operasional operating expenses. Net profit was Rp370 billion, growing
Laporan lainnya. Laba bersih sebesar Rp370 miliar, bertumbuh 388.33% or Rp294 billion from the previous year. This growth
Manajemen 388,33% atau Rp294 miliar dari tahun sebelumnya. drove up net profit per share from Rp3.84 to Rp14.75.
Pertumbuhan ini mendorong naik laba bersih per saham dari
Profil Rp3,84 menjadi Rp14,75.
Perusahaan
ANALISIS DAN
KINERJA ARUS KAS CASH FLOWS PERFORMANCE
PEMBAHASAN Bank Sinarmas mencatat posisi saldo kas dan setara kas pada Bank Sinarmas recorded the position of cash and cash
MANAJEMEN akhir tahun 2024 sebesar Rp16.963 miliar. Dibandingkan equivalents at the end of 2024 at Rp16,963 billion, an
tahun 2023 yang sebesar Rp15.331 miliar, terjadi kenaikan increase of 10.65% compared to 2023, which amounted to
Tinjauan 10,65%. Rp15,331 billion.
Pendukung
Bisnis
Statements of Cash Flows
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Tata Kelola
Pertumbuhan (Penurunan)
Perusahaan Uraian Increase (Decrease)
2024 2023
Description
Nominal %
Laporan
Arus Kas Diperoleh dari (Digunakan untuk) Aktivitas Operasi
Keberlanjutan 1.165.114 4.628.695 (3.463.581) (74,83)
Cash Flows Provided by (Used in) Operating Activities
Arus Kas Diperoleh dari (Digunakan untuk) Aktivitas Investasi
(152.118) (188.267) 36.149 (19,20)
Cash Flows Provided by (Used in) Investing Activities
Arus Kas Diperoleh dari (Digunakan untuk) Aktivitas Pendanaan
372.097 (111.120) 483.217 (434,86)
Cash Flows Provided by (Used in) Financing Activities
Kenaikan (Penurunan) Bersih Kas dan Setara Kas
1.385.093 4.329.308 (2.944.215) (68,01)
Net Increase (Decrease) in Cash and Cash Equivalents
Kas dan Setara Kas Awal Tahun
15.331.170 11.042.096 4.289.074 38,84
Cash and Cash Equivalents at the Beginning of the Year
Pengaruh Perubahan Kurs Mata Uang Asing
247.050 (40.234) 287.284 (714,03)
Effect on Foreign Exchange Rate Changes
Kas dan Setara Kas Akhir Tahun
16.963.313 15.331.170 1.632.143 10,65
Cash and Cash Equivalents at the End of the Year
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Bank memperoleh kas dari aktivitas operasi pada tahun 2024 The Bank generated cash of Rp 1,165 billion from operating
mencapai Rp 1.165 miliar, lebih rendah 74,83% dibandingkan activities in 2024, 74.83% lower than Rp4,629 billion in 2023.
tahun 2023 yang sebesar Rp4.629 miliar. Perolehan kas dari Cash generated from operating activities came from the
aktivitas operasi berasal dari pergerakan pos-pos aset dan movement of asset and liability posts, where in 2023, there
liabilitas, dimana pada tahun 2023 terjadi kenaikan signifikan was a significant increase of Rp2,745 billion in deposits,
pada pos liabilitas perusahaan yaitu simpanan sebesar Rp Rp313 billion in deposits from other banks, and Rp1,051 billion
2.745 miliar, simpanan dari bank lain sebesar Rp 313 miliar in repos in the Company’s liability account.
dan repo sebesar 1.051 miliar.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 151
Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Kas yang digunakan Bank untuk aktivitas investasi di tahun The Bank’s cash spent on investment activities in 2024
2024 mencapai Rp 152 miliar, turun 19,15% dibandingkan tahun reached Rp152 billion, down 19.15% from Rp188 billion in
2023 yang sebesar Rp188 miliar. Penggunaan kas dengan 2023. The Bank spent that much cash to acquire fixed assets
nominal tersebut sebagian besar dari perolehan asset tetap in the form of hardware and software worth Rp137 billion to
untuk mengakuisisi perangkat keras dan lunak sebesar 137 meet its information technology development needs in the
miliar guna memenuhi kebutuhan pengembangan teknologi digitalization era.
informasi Bank di era digitalisasi.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Pada tahun 2024, Bank menggunakan kas bersih untuk In 2024, the Bank used net cash for financing activities of
aktivitas pendanaan sebesar Rp 372 miliar, lebih tinggi Rp372 billion, 235.14% higher than Rp111 billion in 2023.
235,14% dibandingkan tahun 2023 yang sebesar Rp111 miliar. This condition was caused by the Bank receiving fund of
Kondisi ini disebabkan pada tahun 2024 Bank memperoleh to Rp490 billion from non-controlling shareholders of Bank
dana masuk dari pemegang saham non pengendali atas Nano Syariah in 2024, following the spin-off process of the
Bank Nano Syariah sebesar 490 miliar, sebagai hasil proses
spin off Unit Usaha Syariah menjadi Bank Nano Syariah pada
Sharia Business Unit into Bank Nano Syariah in 2024.
149
tahun 2024.
2024
Performance
RASIO KEUANGAN FINANCIAL RATIOS Highlights
Kinerja rasio-rasio keuangan Bank di tahun 2024 The performance of the Bank’s financial ratios in 2024 is
diungkapkan pada tabel berikut. revealed in the following table. Management
Report
Rasio Kinerja dan Kepatuhan Bank
Bank Performance and Compliance Ratio
dalam % | in % Company
Profile
Pertumbuhan (Penurunan)
Uraian
2024 2023 Increase (Decrease)
Description
(%)
MANAGEMENT
Rasio Kinerja DISCUSSION
Performance Ratio AND ANALYSIS
CAR 30,46 25,34 5,12
Aset Produktif Bermasalah dan Non- Produktif Bermasalah terhadap Jumlah Business
Aset Produktif dan Aset Non- Produktif
1,27 1,49 (0,22) Support
Non-Performing Earning Assets and Non-Earning Assets to Total Earning
Overview
Assets and Non-Earning Assets
Aset Produktif Bermasalah terhadap Jumlah Aset Produktif
1,41 1,66 (0,25)
Non-Performing Earning Assets to Total Earning Assets Corporate
NPL Bruto Governance
1,49 1,53 (0,04)
Gross NPL
NPL Neto Sustainability
0,30 0,35 (0,05)
Net NPL
Report
ROA 0,82 0,15 0,67
ROE 5,01 1,07 3,94
NIM 5,89 6,26 (0,37)
BOPO 90,83 103,36 (12,53)
LDR 32,68 40,94 (8,26)
Rasio Kepatuhan
Compliance Ratio
Persentase Pelanggaran BMPK
Percentage of Legal Lending Limit (LLL) Violation
Pihak Terkait Nil Nil -
Related Party
Pihak Tidak Terkait Nil Nil -
Non-Related Party
Persentase Pelampauan BMPK
Percentage of LLL Excess
Pihak Terkait Nil Nil -
Related Party
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 152
Pertumbuhan (Penurunan)
Uraian
2024 2023 Increase (Decrease)
Description
(%)
Pihak Tidak Terkait Nil Nil -
Non-Related Party
Giro Wajib Minimum Rupiah
12,93 15,22 (2,29)
Minimum Statutory Reserves (Rupiah)
Giro Wajib Minimum Valuta Asing
3,95 4,09 (0,14)
Minimum Statutory Reserves (Foreign Currency)
Posisi Devisa Neto
1,13 6,57 (5,44)
Net Open Position
KEMAMPUAN MEMBAYAR UTANG DEBT-SERVICE ABILITY
Kemampuan Bank Sinarmas dalam memenuhi kewajiban Bank Sinarmas’ capability to fulfill its debt obligations in
utangnya tahun 2024, baik jangka pendek maupun jangka 2024, both short-term and long-term, is categorized as good.
panjang masuk kategori baik. Hal itu tercermin dari kinerja This is reflected in the performance and ability to fulfill all
150 serta kemampuan memenuhi segala kewajiban yang jatuh
tempo secara tepat waktu. Bank menggunakan parameter
maturing obligations on time. The Bank uses the parameters
of liquidity, profitability, and solvency ratios to measure the
Ikhtisar Kinerja
rasio likuiditas, rentabilitas, dan solvabilitas untuk mengukur ability to fulfill all obligations, both long-term and short-term,
2024 kemampuan memenuhi seluruh kewajiban, baik jangka as well as to calculate the ability to provide liquidity reserves.
panjang maupun pendek, serta menghitung kemampuan
Laporan penyediaan cadangan likuiditas.
Manajemen
Rasio Likuiditas Liquidity Ratio
Profil Likuiditas yang memadai merupakan prioritas Bank. Maintaining adequate liquidity is a top priority for the
Perusahaan
Pengelolaan likuiditas dilakukan dengan menempatkan Bank. Liquidity management is carried out by allocating a
sebagian dana pada penempatan jangka pendek berisiko portion of funds into low-risk short-term placements, such
ANALISIS DAN
PEMBAHASAN rendah, seperti penempatan di Bank Indonesia dalam as placements with Bank Indonesia in the form of deposit
MANAJEMEN bentuk deposit facility dan reverse repo, serta melakukan facilities and reverse repos, as well as engaging in repo
transaksi repo. transactions.
Tinjauan
Pendukung
Bisnis
Kecukupan likuiditas dipantau secara harian melalui Liquidity adequacy is monitored daily through the ratio of
rasio alat likuid terhadap non-core deposit (AL/NCD) dan liquid assets to non-core deposits (AL/NCD) and to third-
Tata Kelola dana pihak ketiga (AL/DPK). Di samping itu, Bank juga party funds (AL/TPF). In addition, the Bank also uses several
Perusahaan menggunakan beberapa indikator lainnya seperti rasio kredit other indicators such as the loan to deposit ratio (LDR),
terhadap DPK (loan to deposit ratio/LDR), rasio intermediasi macroprudential intermediation ratio (RIM), liquidity coverage
Laporan makroprudensial (RIM), liquidity coverage ratio (LCR), serta ratio (LCR), and net stable funding ratio (NSFR).
Keberlanjutan net stable funding ratio (NSFR).
Pada tahun 2024, rata-rata LDR sebesar 38,05%, dengan RIM In 2024, the average LDR was 38.05%, with RIM at 44.77%.
di level 44,77%. Sementara rata-rata rasio AL/NCD dan rasio The average AL/NCD ratio and AL/DPK ratio were 148.77%
AL/DPK masing-masing 148,77% dan 37,48%, lebih tinggi dari and 37.48.%, respectively, higher than the Financial Services
persyaratan Otoritas Jasa Keuangan yang sebesar 50,00% Authority requirements of 50.00% and 10.00%.
dan 10,00%.
LCR dan NSFR Bank pada akhir tahun 2024 masing- At the end of 2024, the Bank’s Liquidity Coverage Ratio
masing sebesar 281,30% dan 190,70%. Pencapaian ini (LCR) and Net Stable Funding Ratio (NSFR) stood at 281.30%
juga melampaui threshold yang ditetapkan oleh regulator. and 190.70%, respectively. These figures exceeded the
Tingginya rasio-rasio yang digunakan sebagai tolak ukur thresholds set by the regulator. The high levels of these key
likuiditas mengindikasikan Bank dalam kondisi likuid. liquidity indicators reflect the Bank’s strong liquidity position.
dalam % | in %
Pertumbuhan (Penurunan)
Uraian
2024 2023 Increase (Decrease)
Description
(%)
RIM 44,77 51,24 (6,47)
LCR 281,30 265,97 15,33
NSFR 190,70 170,52 20,18
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PT. Bank Sinarmas Tbk. 2024
Page 153
Pertumbuhan (Penurunan)
Uraian
2024 2023 Increase (Decrease)
Description
(%)
LDR – rata rata 38,05 39,40 (1,35)
LDR - Average
AL/NCD – rata rata 148,77 158,40 (9,63)
AL/NCD - Average
AL/DPK – rata rata 37,48 38,10 (0,62)
AL/DPK - Average
Rasio Rentabilitas Profitability Ratio
Pada tahun 2024 sebagian besar rasio-rasio rentabilitas In 2024, most profitability ratios increased compared to the
mengalami peningkatan apabila dibandingkan dengan akhir end of 2023. This improvement was due to an increase
tahun 2023. Perbaikan ini disebabkan oleh meningkatnya in other operating income that was compensated by a
pendapatan operasional lainnya serta menurunnya beban decrease in other operating expenses. Credit and financing
operasional lainnya. Kualitas kredit dan pembiayaan juga quality also improved, as reflected in a gross NPL ratio of
membaik tercermin dari rasio NPL bruto sebesar 1,49%, turun
0,04% dari tahun sebelumnya. Di sisi lain, rasio NIM tercatat
1.49%, down by 0.04% from the previous year. On the other
hand, the Net Interest Margin (NIM) ratio declined, driven
151
lebih rendah disebabkan pendapatan bunga dan syariah by a decrease in net interest and sharia income, despite an
2024
bersih mengalami penurunan sementara aset produktif increase in productive assets. Performance
mengalami peningkatan. Highlights
Indikator Rasio Rentabilitas Bank Management
Indicator of the Bank Profitability Ratio Report
dalam % | in %
Pertumbuhan (Penurunan)
Uraian
2024 2023 Increase (Decrease) Company
Description
(%) Profile
ROA 0,82 0,15 0,67
ROE 5,01 1,07 3.94 MANAGEMENT
NIM 5,89 6,26 (0,37) DISCUSSION
AND ANALYSIS
NPL Bruto
1,49 1,53 (0,04)
Gross NPL
NPL Neto Business
0,30 0,35 (0,05)
Net NPL Support
Overview
BOPO 90,83 103,36 (12,53)
Corporate
Rasio Solvabilitas Solvency Ratio Governance
Rasio solvabilitas adalah rasio untuk menilai kemampuan The solvency ratio is used to assess a company’s ability to
perusahaan dalam melunasi semua kewajibannya. Untuk meet all its obligations. The Bank uses the Capital Adequacy Sustainability
memantau kecukupan modal Bank digunakan rasio Ratio (CAR) to monitor the adequacy of its capital. CAR is the Report
kewajiban penyediaan modal minimum (KPMM) atau capital ratio of capital to risk-weighted assets (RWA). Bank Indonesia
adequacy ratio (CAR). CAR merupakan rasio modal terhadap sets the minimum capital that banks must maintain in line with
aset tertimbang menurut risiko (ATMR). Bank Indonesia their risk profile.
menetapkan modal minimum yang dipelihara oleh Bank
harus disesuaikan dengan profil risiko.
Bank Sinarmas memiliki permodalan yang sehat dan mampu Bank Sinarmas has a sound capital and can absorb credit
menyerap risiko kredit, risiko pasar, dan risiko operasional, risk, market risk, and operational risk, with a CAR level of
dengan tingkat CAR sebesar 30,46%. Rasio ini mengalami 30.46%. This ratio has increased compared to 25.34% in
peningkatan jika dibandingkan dengan tahun 2023 yang 2023. The increase in the Capital Adequacy Ratio (CAR) was
sebesar 25,34%. Peningkatan pada CAR dikarenakan total driven by a 1.64% rise in total capital, coupled with a 15.47%
modal meningkat sebesar 1,64% sementara total ATMR decrease in total Risk-Weighted Assets (RWA).
mengalami penurunan sebesar 15,47%.
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2024 PT. Bank Sinarmas Tbk.
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Indikator Rasio Solvabilitas Bank
Indicator of the Bank Solvency Ratio
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2024 2023
Description
Nominal %
CAR (%) 30,46 25,34 5,12
Modal Inti
7.452.811 7.283.216 169.595 2,33
Core Capital
Modal Pelengkap
672.316 711.607 (38.716) (5,45)
Supplementary Capital
Tingkat Kolektibilitas Piutang Receivables Collectibility
Bank memiliki syarat dan ketentuan dalam penyaluran The Bank has terms and conditions for credit disbursement.
kredit. Hal ini diperlukan sebagai langkah awal mitigasi risiko This is necessary as an initial step in mitigating non-performing
terhadap kredit bermasalah. Selain itu, secara konsisten loan risks. In addition, consistently and continuously, The bank
152 dan berkesinambungan, Bank mengevaluasi proses kredit
dari hulu ke hilir, melakukan review, memperbarui kebijakan
evaluates the credit process from upstream to downstream,
conducts reviews, updates credit policies or provisions, and
Ikhtisar Kinerja
atau ketentuan perkreditan, serta secara aktif melakukan actively handles problematic credit.
2024 penanganan atas kredit bermasalah.
Laporan Tingkat kredit bermasalah (non-performing loan/NPL) bruto The gross and net non-performing loan (NPL) rates in 2024
Manajemen dan NPL neto pada tahun 2024 masing-masing sebesar 1.49% and 0.30%, an improvement compared to 2023 which
1,49% dan 0,30%, mengalami perbaikan dibandingkan tahun were 1.53% and 0.35%.
Profil 2023 yang sebesar 1,53% dan 0,35%.
Perusahaan
Perkembangan Tingkat Kolektibilitas Bank
ANALISIS DAN
Development of the Bank Collectibility
PEMBAHASAN dalam jutaan Rupiah | in million Rupiah
MANAJEMEN
Dalam Perhatian Kurang
Jenis Lancar Diragukan Macet Jumlah
Khusus Lancar
Tinjauan Type Current Doubtful Loss Total
Special Mention Substandard
Pendukung
2024
Bisnis
Rupiah 12.497.757 1.226.367 27.508 22.581 167.591 13.941.804
Tata Kelola Mata Uang Asing
354.448 59.551 - - - 413.999
Perusahaan Foreign Currency
Jumlah
12.852.205 1.285.918 27.508 22.581 167.591 14.355.803
Laporan Total
Keberlanjutan 2023
Rupiah 14.315.628 1.765.388 55.299 20.773 183.932 16.341.020
Mata Uang Asing
464.219 66.207 - - - 530.426
Foreign Currency
Jumlah
14.779.847 1.831.595 55.299 20.773 183.932 16.871.446
Total
SUKU BUNGA DASAR KREDIT PRIME LENDING RATES
Sesuai dengan regulasi, bank umum yang menjalankan Commercial banks that conduct conventional business must
kegiatan usaha secara konvensional memiliki kewajiban report and publish the Prime Lending Rate (SBDK) in Rupiah
untuk melaporkan dan mempublikasikan Suku Bunga Dasar in accordance with regulations. This publication is to provide
Kredit (SBDK) dalam mata uang Rupiah. Publikasi ini untuk clarity and facilitate customers in weighing the benefits,
memberikan kejelasan dan memudahkan nasabah dalam costs, and risks of the credit offered.
menimbang manfaat, biaya dan risiko kredit yang ditawarkan.
Bank Sinarmas menginformasikan SBDK setiap bulannya Bank Sinarmas informs SBDK every month through its
melalui website dan di kantor cabang. Informasi mengenai website and at branch offices. Information regarding
perubahan SBDK dapat dilihat melalui website www. changes to SBDK can be viewed through the website www.
banksinarmas.com. banksinarmas.com.
dalam % | in %
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PT. Bank Sinarmas Tbk. 2024
Page 155
Suku Bunga Dasar Kredit Rupiah berdasarkan Segmen Kredit
Prime Lending Rates in Rupiah by Credit Segment
Akhir Periode
Kredit Konsumsi
End of Period Kredit Korporasi Kredit Ritel Kredit Mikro Consumer Credit
Corporate Credit Retail Credit Micro Credit
KPR Non-KPR
Triwulan I-2024
10,50 11,00 14,00 8,00 10,50
Quarter I-2024
Triwulan II-2024
10,50 11,00 14,00 8,00 10,50
Quarter II-2024
Triwulan III-2024
10,50 11,00 14,00 8,00 10,50
Quarter III-2024
Triwulan IV-2024
10,07 9,19 11,09 7,85 10,35
Quarter IV-2024
STRUKTUR MODAL CAPITAL STRUCTURE
Kebijakan Struktur Modal
Struktur modal Bank, terdiri dari Modal Inti (Tier 1) dan Modal
Capital Structure Policy
Bank capital structure consists of Core Capital (Tier 1) and
153
Pelengkap (Tier 2). Supplementary Capital (Tier 2).
2024
Performance
Modal Inti (Tier 1) Core Capital (Tier 1) Highlights
Modal Inti (Tier 1), terdiri dari Modal Inti Utama (Common Core Capital (Tier 1) consists of Common Equity Tier 1 (CET
Equity Tier/CET 1) dan Modal Inti Tambahan (Additional Tier 1) and Additional Tier 1 Capital. CET 1 includes paid-up Management
1). Modal inti utama mencakup modal disetor, cadangan capital, additional capital reserves (disclosure reserve), and Report
tambahan modal (disclosure reserve), dan faktor pengurang deductions from core capital.
modal inti utama. Company
Profile
Cadangan tambahan modal terdiri atas faktor penambah Additional capital reserves consist of positive factors (other
(pendapatan komprehensif lainnya dan cadangan tambahan comprehensive income and other additional capital reserves)
MANAGEMENT
modal lainnya) dan faktor pengurang (pendapatan and negative factors (other comprehensive income and DISCUSSION
komprehensif lainnya dan cadangan tambahan modal other additional capital reserves). The majority of the Bank’s AND ANALYSIS
lainnya). Sebagian besar struktur modal Bank adalah modal capital structure is core capital amounting to Rp7,453 billion
inti sebesar Rp7.453 miliar atau 91,73% dari jumlah modal. or 91.73% of the total capital. Business
Support
Rincian Struktur Modal Overview
Details of Capital Structure
dalam jutaan Rupiah | in million Rupiah
Corporate
Uraian
2024 2023 Governance
Description
Komponen Modal
Capital Component Sustainability
Modal Inti
Report
7.452.811 7.283.216
Core Capital
Modal Pelengkap
672.316 711.607
Supplementary Capital
Jumlah Modal
8.125.127 7.994.823
Total Capital
Aset Tertimbang Menurut Risiko (ATMR)
Risk Weighted Assets (RWA)
Risiko Kredit Setelah Memperhitungkan Risiko Spesifik
16.974.337 20.197.024
Credit Risk After Considering Specific Risk
Risiko Pasar
2.975.110 4.118.159
Market Risk
Risiko Operasional
6.723.016 7.237.461
Operational Risk
Jumlah ATMR untuk Risiko Kredit, Pasar, dan Operasional
26.672.463 31.552.644
Total RWA for Credit, Market, and Operational Risks
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2024 PT. Bank Sinarmas Tbk.
Page 156
Uraian
2024 2023
Description
Rasio Kewajiban Penyediaan Modal Minimum (KPPM) yang Tersedia
Capital Adequacy Ratio (CAR)
KPPM dengan Memperhitungkan Risiko Kredit (%)
47,87 39,58
CAR with Credit Risk (%)
KPPM dengan Memperhitungkan Risiko Kredit dan Pasar (%)
40,73 32,87
CAR with Credit and Market Risks (%)
KPPM dengan Memperhitungkan Risiko Kredit dan Operasional (%)
34,29 29,14
CAR with Credit and Operational Risks (%)
KPPM dengan Memperhitungkan Risiko Kredit, Operasional, dan Pasar (%)
30,46 25,34
CAR with Credit, Operational, and Market Risks (%)
Rasio KPPM yang Diwajibkan berdasarkan Profil Risiko (%)
10,00 10,00
Minimum Capital Adequacy Ratio based on the Profile Risk (%)
IKATAN MATERIAL UNTUK INVESTASI MATERIAL COMMITMENTS FOR CAPITAL
154 BARANG MODAL GOODS INVESTMENT
Sepanjang tahun buku 2024, Bank tidak melakukan ikatan During the financial year 2024, the Bank did not make any
Ikhtisar Kinerja
material untuk investasi barang modal. material commitments for investment in capital goods.
2024
INVESTASI BARANG MODAL CAPITAL GOODS INVESTMENT
Laporan Sepanjang tahun 2024, Bank Sinarmas merealisasikan Throughout 2024, Bank Sinarmas actualized investment
Manajemen investasi barang modal sebesar Rp153 miliar, lebih rendah in capital goods of Rp153 billion, 8.16% lower than in 2023,
8,16% dibandingkan tahun 223 yang Rp167 miliar. which was Rp167 billion.
Profil
Perusahaan
Realisasi Investasi Barang Modal
Realization of Capital Goods Investment
ANALISIS DAN dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
PEMBAHASAN
Realisasi investasi
MANAJEMEN Uraian Tujuan Investasi Realization of Investment
Description Objectives of Investment
2024 2023
Tinjauan
Pendukung Bangunan Untuk mendukung kegiatan operasional Bank.
1.512 1.899
Bisnis Building To support the Bank’s operational activities.
Inventaris Kantor Untuk mendukung kegiatan operasional Bank.
151.352 164.587
Tata Kelola Office Inventory To support the Bank’s operational activities.
Perusahaan Kendaraan Bermotor Untuk mendukung kegiatan operasional Bank.
224 203
Vehicle To support the Bank’s operational activities.
Laporan Jumlah Untuk mendukung kegiatan operasional Bank.
153.088 166.689
Keberlanjutan Total To support the Bank’s operational activities.
INFORMASI DAN FAKTA MATERIAL YANG INFORMATION AND FACT SUBSEQUENT
TERJADI SETELAH TANGGAL PELAPORAN TO REPORTING DATE
AKUNTAN
Bank Sinarmas tidak mengalami peristiwa pernting yang Bank Sinarmas did not experience any material events after
bersifat material setelah tanggal pelaporan akuntan untuk the accountant’s reporting date for the fiscal year ended
tahun buku yang berakhir 31 Desember 2024. December 31, 2024.
TARGET, REALISASI DAN PROYEKSI TARGET, REALIZATION, AND PROJECTION
Target dan Realisasi Tahun 2024 Target and Realization in 2024
Kinerja Bank pada tahun 2024 dinilai baik. Jika dibandingkan The Bank’s performance in 2024 is considered good. When
dengan target, maka total aset dan beberapa pos aset compared to the target, total assets and several productive
produktif mempunyai tingkat pencapaian di bawah 100% asset items have an achievement level below 100%, namely
yaitu pada kisaran 83% - 95%. Belum tercapainya target in the range of 83% - 95%. The failure to achieve the target
pos-pos aset ini dipengaruhi oleh penghimpunan dana pihak for these asset items was influenced by the collection of
ketiga yang mencapai 94,34% dari target yang ditetapkan. third-party funds which reached 94.34% of the set target.
Dari sisi laba rugi, Bank mencatat laba sebelum pajak From a profit and loss perspective, the Bank recorded a pre-tax
sebesar Rp439 miliar berada di atas target sebesar Rp363 profit of Rp439 billion in 2024, exceeding the target of Rp363
Laporan Tahunan & Keberlanjutan
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Page 157
miliar, tercapainya target laba disebabkan oleh pendapatan billion. This achievement was primarily driven by non-interest
operasional diluar bunga berada diatas anggaran dengan operating income, which reached 114.14% of the budget. The
pencapaian 114,14%. Terpenuhinya target laba menyebabkan fulfillment of the profit target also led to several key financial
beberapa rasio keuangan utama juga mencapai target, yaitu ratios meeting their respective targets, namely Return on
rasio ROA, ROE, dan BOPO yang masing-masing di 0,82%, Assets (ROA) at 0.82%, Return on Equity (ROE) at 5.01%, and
5,01% dan 90,83%. Pada akhir tahun 2024 Bank melakukan the Operating Efficiency Ratio (BOPO) at 90.83%. At the end
hapus buku sehingga rasio NPL Bruto dan Neto tercatat of 2024, the Bank conducted a write-off, resulting in improved
sebesar 1,49% dan 0,30%, lebih baik dari target yang sebesar gross and net NPL ratios of 1.49% and 0.30%, respectively—
2,09% dan 0,40%. better than the targeted levels of 2.09% and 0.40%.
Pencapaian Tahun 2024
2024 Achievements
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Pencapaian
Uraian Realisasi
Target Achievement
Description Realization
(%)
Aset
Assets
58.617.578 55.624.433 94,89 155
Kredit dan Pembiayaan
16.337.478 14.648.347 89,66 2024
Loan and Financing
Performance
Giro dan Penempatan pada Bank Indonesia dan Bank Lain Highlights
19.805.634 16.454.106 83,08
Current Account and Placement with Bank Indonesia and Other Banks
Surat Berharga
19.739.687 22.123.275 112,08
Securities Management
Report
Surat Berharga yang Dibeli Dengan Janji Dijual Kembali
250.000 192.215 76,89
Securities Purchased under Agreements to Resell
Dana Pihak Ketiga Company
47.510.873 44.819.964 94,34
Third-Party Fund Profile
CASA (%) 71,21 71,37 100,22
Pendapatan Bunga MANAGEMENT
3.844.702 3.788.903 98,55
Interest Revenue
DISCUSSION
Beban Bunga AND ANALYSIS
1.075.135 1.190.095 110,69
Interest Expense
Pendapatan Operasional di Luar Bunga
855.389 976.348 114,14 Business
Fee-based Income
Support
Beban Operasional di Luar Bunga Overview
3.250.780 3.136.340 96,48
Overhead Cost
Laba Sebelum Pajak
362.632 438.816 121,01 Corporate
Profit before Tax
Governance
CAR (%) 28,52 30,46 106,82
LDR (%) 34,39 32,68 95,04
Sustainability
ROA (%) 0,68 0,82 121,07
Report
ROE (%) 3,74 5,01 133,97
NIM (%) 5,62 5,89 104,77
BOPO (%) 92,04 90,83 98,69
NPL Bruto (%)
2,09 1,49 71,37
Gross NPL (%)
NPL Neto (%)
0,40 0,30 74,12
Net NPL (%)
Struktur Modal
8.071.037 8.125.127 100,67
Capital Structure
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2024 PT. Bank Sinarmas Tbk.
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Proyeksi Tahun 2025 Projection for 2025
Target kinerja Bank Sinarmas tahun 2025 adalah sebagai Bank Sinarmas’s performance targets for 2025 are as follows:
berikut.
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
Uraian
Target
Description
Aset 62.524.898
Assets
Kredit dan Aset Ijarah 19.197.392
Loans and Ijarah Assets
Dana Pihak Ketiga 51.057.744
Third-Party Fund
CASA (%) 71,43
Pendapatan Bunga 4.143.803
Interest Revenue
156 Beban Bunga
Interest Expense
1.128.082
Pendapatan Operasional di Luar Bunga 854.743
Ikhtisar Kinerja
Fee-based Income
2024
Beban Operasional di Luar Bunga 3.495.432
Overhead Cost
Laporan
Manajemen Laba Sebelum Pajak 397.509
Profit before Tax
Profil CAR (%) 27,59
Perusahaan LDR (%) 34,84
ROA (%) 0,73
ANALISIS DAN
PEMBAHASAN ROE (%) 4,08
MANAJEMEN NIM (%) 6,06
BOPO (%) 92,50
Tinjauan
NPL Bruto (%) 2,04
Pendukung
Gross NPL (%)
Bisnis
NPL Neto (%) 0,40
Net NPL (%)
Tata Kelola
Perusahaan Struktur Modal 8.837.036
Capital Structure
Laporan
Keberlanjutan Asumsi Makro dan Mikro yang Digunakan Macro and Micro Assumption Used
Bank Sinarmas menggunakan beberapa asumsi makro dan Bank Sinarmas uses several macro and micro assumptions in
mikro pada saat menyusun target tahun 2025 sebagai berikut. formulating its 2025 targets as follows.
Uraian Satuan Proyeksi 2025
Description Unit 2025 Projection
Asumsi Makro
Macro Assumption
Pertumbuhan PDB
% 5,00
GDP Growth
Inflasi
% 2,50
Inflation
Nilai Tukar USD/Rp
Rp 16.400
US$/Rp Exchange Rate
Asumsi Mikro
Micro Assumption
7 Days Reverse Repo Rate % 5,25
Pertumbuhan Kredit
% 10-11
Credit Growth
Pertumbuhan DPK
% 6-7
Third-Party Fund Growth
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PT. Bank Sinarmas Tbk. 2024
Page 159
PROSPEK USAHA BUSINESS PROSPECT
Pada tahun 2025, pertumbuhan ekonomi Indonesia In 2025, Indonesia’s economic growth is estimated at a
diperkirakan tumbuh moderat di kisaran 4,7–5,1%, sedikit direvisi moderate 4.7–5.1%, slightly revised down by Bank Indonesia
turun oleh Bank Indonesia (BI) dari proyeksi sebelumnya karena (BI) from the previous projection due to weak exports,
lemahnya ekspor, konsumsi rumah tangga, dan investasi swasta. household consumption, and private investment. BI also
BI juga menurunkan suku bunga acuan sebesar 25 bps menjadi lowered the benchmark interest rate by 25 bps to 5.75%
5,75% pada Januari 2025 untuk mendorong pertumbuhan, in January 2025 to boost growth, which is expected to
yang diperkirakan akan dipertahankan sementara waktu demi be maintained for the time being in order to preserve the
menjaga stabilitas rupiah yang tertekan. stability of the pressured rupiah.
Di sisi global, pertumbuhan ekonomi dunia diproyeksikan On the global side, world economic growth is projected to
stagnan pada kisaran 3,3% menurut IMF dan 2,7% menurut stagnate in the range of 3.3% according to the IMF and 2.7%
Bank Dunia, mencerminkan masih adanya tekanan dari according to the World Bank, reflecting ongoing pressure
ketidakpastian geopolitik, inflasi yang belum sepenuhnya from geopolitical uncertainty, stubborn inflation, and the
reda, serta arah kebijakan suku bunga di negara-negara interest rate policy direction in developed nations. While
maju. Meskipun konsumsi masyarakat dan investasi publik
menjadi faktor pendukung di dalam negeri, tantangan
public consumption and public investment will be supporting
factors domestically, external challenges such as weakening
157
eksternal seperti melemahnya permintaan global, global demand, uncertainty in international trade, and
2024
ketidakpastian perdagangan internasional, dan tekanan nilai exchange rate pressures will loom ov the national economic Performance
tukar tetap membayangi prospek ekonomi nasional. outlook. Highlights
Sektor perbankan Indonesia menunjukkan ketahanan Indonesia’s banking sector has shown solid resilience Management
yang solid memasuki awal 2025, dengan kinerja entering early 2025, with intermediation performance Report
intermediasi yang tetap kuat meskipun mengalami sedikit remaining strong despite a slight slowdown. Banking liquidity
perlambatan. Likuiditas perbankan juga tetap memadai, will also remain adequate, with the ratio of liquid assets to Company
dengan rasio alat likuid terhadap dana pihak ketiga third-party funds (AL/TPF) recorded at 26.03% in January Profile
(AL/DPK) tercatat sebesar 26,03% pada Januari 2025, 2025, up from 25.59% in December 2024. Bank Indonesia
meningkat dari 25,59% pada Desember 2024. Bank projects credit growth in 2025 to be in the range of 11–13%,
MANAGEMENT
Indonesia memproyeksikan pertumbuhan kredit pada 2025 which is in line with the strong economic growth outlook and DISCUSSION
berada dalam kisaran 11–13%, sejalan dengan prospek support from macroprudential policies. With this condition, AND ANALYSIS
pertumbuhan ekonomi yang tetap baik dan dukungan the banking sector shouldo continue to contribute positively
kebijakan makroprudensial. Dengan kondisi ini, sektor to the national economy. Business
perbankan diharapkan terus berkontribusi positif terhadap Support
perekonomian nasional. Overview
Memasuki tahun 2025, Bank Sinarmas meyakini dana pihak ketiga Entering 2025, Bank Sinarmas believes that third-party funds Corporate
dan kredit akan bertumbuh dari tahun 2024. Penghimpunan and credit will grow from 2024. The collection of third-party Governance
dana pihak ketiga tetap diarahkan pada peningkatan giro dan funds remains directed at increasing current accounts and
tabungan melalui produk dan layanan yang sudah berjalan savings through existing products and services as well as the Sustainability
maupun pengembangan atas produk-produk yang telah ada. development of existing products. The collection of funds Report
Penghimpunan dana melalui layanan nasabah prioritas juga through priority customer services will also continue, with the
akan berlanjut, dengan pembukaan kantor-kantor khusus opening of special offices for Bank Sinarmas Prioritas. Credit
untuk Bank Sinarmas Prioritas. Terkait kredit, penyaluran kredit distribution will be carried out by utilizing and developing
akan dilakukan dengan memanfaatkan serta mengembangkan the existing ecosystem, in addition to expanding credit
ekosistem yang ada, di samping memperluas penyaluran kredit distribution through cooperation schemes with third parties.
melalui skema kerjasama dengan pihak ketiga.
Selain itu, Bank juga senantiasa melengkapi fitur Mobile In addition, the Bank will also continue to add more features
Banking Bank Sinarmas untuk melakukan cross selling to its Bank Sinarmas Mobile Banking for cross-selling bank
produk Bank dan kemudahan transaksi bagi nasabah serta products and facilitating transactions for customers while
meningkatkan pemasaran atau promosi produk dan layanan increasing marketing or promotion of products and services
melalui beragam media untuk meningkatkan awareness through various media to increase customer awareness of
nasabah mengenai layanan dan fasilitas dari Bank Sinarmas. Bank Sinarmas services and facilities.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 160
ASPEK PEMASARAN MARKETING ASPECT
Strategi Pemasaran Marketing Strategy
Di tahun 2024, Bank terus memperkuat fondasi untuk In 2024, Bank Sinarmas continued to strengthen the
mewujudkan tujuan Bank Sinarmas untuk menjadi payment foundation to realize the Bank’s goal, which is to become
and transaction Bank dengan jaringan distribusi terlengkap a payment and transaction bank with the most complete
dan terintegrasi. Bank terus menciptakan kerja nyata dan and integrated distribution network. The Bank continued
kolaborasi dalam segala aspek usahanya, dengan berfokus to create real work and collaboration in all aspects of
pada ekosistem sekeliling Bank. Berbagai langkah strategis, business, focusing on its surrounding ecosystems. Various
inovasi yang berkelanjutan serta peningkatan kualitas SDM strategic steps, sustainable innovations and improvements
juga terus dilanjutkan sepanjang tahun 2024 yang didukung in the quality of human resources also continued as the year
oleh implementasi prinsip tata kelola perusahaan yang baik, progressed, driven by the implementation of good corporate
untuk memperkuat landasan usaha Bank Sinarmas di masa governance principles, to strengthen the foundation of Bank
yang akan datang. Sinarmas’ business in the future.
158 Dari segi pengumpulan dana, Bank tetap fokus pada
peningkatan porsi dana-dana murah (CASA) serta
In terms of fundraising, the Bank’s focus remained on
increasing the portion of low-cost funds (CASA) and growth
Ikhtisar Kinerja
pertumbuhan nasabah baru. Pertumbuhan penghimpunan of new customers. The growth in fundraising, especially
2024 dana, khususnya giro dan tabungan diperoleh dengan demand deposits and savings, to be obtained by utilizing
memanfaatkan produk dan aktivitas yang sudah berjalan existing products and activities as well as ongoing
Laporan disertai dengan pengembangan yang terus dilakukan atas development of existing products.
Manajemen produk-produk yang telah ada.
Profil Bank melakukan campaign atau promosi, baik promo yang The Bank also ran campaigns or promotions, both run solely
Perusahaan
dilakukan sendiri maupun yang dilakukan berdasarkan kerja and those run in collaboration with billers or partners that aim
sama dengan pihak biller atau mitra yang bertujuan untuk to increase users, usage, and fee-based income.
ANALISIS DAN
PEMBAHASAN meningkatkan user, usage, maupun pendapatan fee based.
MANAJEMEN
Bank Sinarmas di tahun 2024 tetap berfokus pada pengembangan In 2024, the Bank also focused on developing Sinarmas
Tinjauan pelayanan Sinarmas Prioritas dengan preposition unik untuk Prioritas services with a unique preposition for affluent
Pendukung
Bisnis
nasabah-nasabah affluent terutama dalam bidang entrepreneur, especially in the field of entrepreneurship customers, with
dengan penawaran menarik dari partner yang bekerjasama attractive offers partners who cooperate with Bank Sinarmas.
Tata Kelola dengan Bank Sinarmas. Ke depan, Bank akan meneruskan fokus Going forward, the Bank will continue to focus on providing
Perusahaan untuk menyediakan penawaran menarik bagi nasabah melalui offers through a variety of competitive services and products.
variasi layanan dan produk yang kompetitif. Bank juga ikut serta The Bank also participated in the development of digital
Laporan dalam perkembangan perbankan digital dengan menerbitkan banking by issuing digital savings and encouraging the use
Keberlanjutan tabungan digital serta menggalakkan penggunaan channel of digital channels for customer transactions.
digital untuk transaksi nasabah.
Bank terus mengembangkan produk dan layanan dalam The Bank continued to develop products and services in
rangka menyediakan jasa financial solution dengan order to provide financial solution services by considering
mempertimbangkan customer life cycle dan kebutuhan the customer life cycle and customer needs through services
nasabah melalui layanan seluruh channel touch point for all existing touch point channels. In addition, the Bank
yang ada serta melakukan kerja sama (co-branding) collaborates (co-branding) with several partners who already
dengan beberapa partner yang telah memiliki jaringan have extensive and well-known networks. This was one of
luas dan ternama. Hal ini menjadi salah satu strategi untuk the strategies to increase the equity value of Bank Sinarmas
meningkatkan nilai ekuitas Bank Sinarmas dan partner. and partners.
Laporan Tahunan & Keberlanjutan
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Page 161
Sedangkan dari segi pembiayaan diarahkan pada penyaluran Meanwhile, in terms of financing, it is directed at lending with
kredit dengan skema Supply Chain Financing (SCF) atau the Supply Chain Financing (SCF) scheme or Working Capital
fasilitas Kredit Modal Kerja (KMK) kepada satu mata rantai Credit (KMK) facility to one business chain, productive credit
bisnis, kredit produktif beragunan fixed asset penyaluran with fixed asset collateral, distribution of Unsecured Credit to
Kredit Tanpa Agunan kepada karyawan perusahaan yang employees of companies that have collaborated for payroll
telah bekerjasama untuk pembayaran payroll melalui payments through Bank Sinarmas, maximizing lending to
Bank Sinarmas, memaksimalkan penyaluran kredit kepada MSME players through KUR (KreditUsaha Rakyat) program
pelaku-pelaku UMKM melalui produk program KUR (Kredit products and Simas KUK productive credit with fixed asset
Usaha Rakyat) dan kredit produktif Simas KUK beragunan collateral. In addition, the Bank also partners with Financial
fixed asset. Selain itu Bank juga melakukan kemitraan Technology companies in order to increase the distribution
dengan perusahaan Financial Technology dalam rangka of consumptive and productive loans.
melakukan meningkatkan penyaluran kredit konsumtif dan
kredit produktif.
Bank melakukan penguatan serta perbaikan proses The Bank strengthened and improved the credit quality
pemantauan kualitas kredit, closed monitoring melalui
call report serta memberikan langkah penanganan
monitoring process, closed monitoring through call reports
and provides effective handling steps (restructuring) to
159
(restrukturisasi) secara efektif kepada debitur yang debtors who experienced a decline in their business
2024
mengalami penurunan usahanya disesuaikan dengan adjusted to business conditions and prospects, and their Performance
kondisi dan prospek usaha, serta kapasitasnya. capacity. Highlights
Dalam rangka meningkatkan pertumbuhan pendapatan In order to increase fee-based income growth, the Bank was Management
berbasis fee, Bank aktif dalam aktivitas cross dan up-selling active in cross and up-selling activities for Bancassurance Report
untuk produk Bancassurance, Reksadana, maupun produk products, Mutual Funds, and treasury products throughout
Treasury di seluruh jaringan kantor dengan melengkapi range the office network by completing a varied product range. Company
product yang variatif. Bank juga meningkatkan akses channel The Bank also increased access to marketing channels Profile
pemasaran lewat mobile banking serta internet banking agar through mobile banking and internet banking to provide
memberikan kemudahan transaksi perbankan saat ini. convenience for current banking transactions.
MANAGEMENT
DISCUSSION
Kemudahan, akses transaksi lewat seluruh touch point Convenience, transaction access through all e-channel AND ANALYSIS
e-channel maupun jaringan kantor telah meningkatkan touch points and office networks has increased customer
transaksi nasabah lewat jaringan ATM/CRM, mesin EDC, transactions through ATM/CRM networks, EDC machines, Business
serta QRIS, yang dilakukan lewat mobile banking dan and QRIS, which were carried out via mobile banking and Support
internet banking. internet banking. Overview
Pangsa Pasar Bank Sinarmas Corporate
Bank Sinarmas Market Share Governance
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024 2023
Uraian Sustainability
Pangsa Pasar Pangsa Pasar Report
Description Bank Sinarmas KBMI II Market Share Bank Sinarmas KBMI II Market Share
(%) (%)
Kredit Gross
14.648 890.587 1,64 17.256 834.792 2,07
Gross Credit
Dana Pihak Ketiga
44.820 1.048.891 4,27 42.146 989.283 4,26
Third-Party Fund
Aset
55.624 1.674.828 3,32 52.635 1.558.864 3,38
Assets
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2024 PT. Bank Sinarmas Tbk.
Page 162
DIVIDEN DIVIDEND
Kebijakan Dividen Dividend Policy
Anggaran Dasar Bank Sinarmas dan peraturan perundang- Bank Sinarmas’ Articles of Association and applicable laws
undangan yang berlaku mencantumkan ketentuan and regulations include provisions on share equality. All
kesetaraan saham. Seluruh saham Bank yang telah shares of the Bank that have been issued including new
ditempatkan, termasuk saham baru yang akan dikeluarkan shares to be issued in a Public Offering, have the same rights
dalam rangka Penawaran Umum, memiliki hak yang sama and privileges in all respects with existing Shareholders,
dan sederajat dalam segala hal dengan Pemegang Saham including the right to dividends. In dividends distribution,
lama termasuk hak atas dividen. Dalam rangka pembagian the Bank does not have negative covenants regarding third-
dividen, Bank tidak memiliki negative covenants sehubungan party restrictions.
dengan pembatasan pihak ketiga.
Bank juga wajib memperhatikan CAR setelah memperhitungkan The Bank is also obliged to consider the CAR (Capital
risiko pasar, risiko kredit, dan risiko operasional mencapai Adequacy Ratio) after considering market risk, credit risk,
160 ≥20%, serta kondisi likuiditas tahun berjalan. Besaran
dividen tunai akan disesuaikan dengan keuntungan yang
and operational risk reaching ≥20%, as well as the current
year’s liquidity conditions. The amount of cash dividends
Ikhtisar Kinerja
diperoleh Bank pada tahun buku bersangkutan, dengan tidak will be adjusted based on the profits earned by the Bank
2024 mengurangi hak dari Rapat Umum Pemegang Saham (RUPS) in the respective fiscal year, without prejudice to the right
untuk menentukan lain sesuai dengan ketentuan Anggaran of the General Meeting of Shareholders (GMS) to determine
Laporan Dasar Perseroan. Dividen yang diterima oleh para Pemegang otherwise in accordance with the provisions of the Company’s
Manajemen Saham yang bukan merupakan Warga Negara Indonesia Articles of Association. Dividends received by Shareholders
(WNI) akan dikenakan pajak sesuai dengan peraturan yang who are not Indonesian citizens (non-WNI) will be subject to
Profil berlaku di Indonesia. tax according to the prevailing regulations in Indonesia.
Perusahaan
ANALISIS DAN
Realisasi Dividen Dividend Realization
PEMBAHASAN Pada tahun 2024, Bank memutuskan untuk tidak In 2024, the Bank decided not to distribute dividends from
MANAJEMEN membagikan dividen dari hasil kinerja tahun buku 2023. the 2023 financial year performance. The profit earned will
Laba yang diperoleh akan digunakan untuk memperkuat be used to strengthen capital and reserve funds.
Tinjauan permodalan serta dana pencadangan.
Pendukung
Bisnis
KOMPENSASI JANGKA PANJANG BERUPA LONG-TERM COMPENSATION OF
Tata Kelola PROGRAM KEPEMILIKAN SAHAM OLEH EMPLOYEE AND/OR MANAGEMENT STOCK
Perusahaan KARYAWAN DAN/ATAU MANAJEMEN OWNERSHIP PROGRAM (ESOP/MSOP)
(ESOP/MSOP)
Laporan Hingga akhir tahun buku 2024, Bank Sinarmas tidak Until the end of the fiscal year 2024, Bank Sinarmas did not
Keberlanjutan menjalankan program kepemilikan saham oleh karyawan implement an Employee Stock Ownership Program (ESOP) or
dan/atau manajemen (ESOP/MSOP). Oleh karena itu. Bank Management Stock Ownership Program (MSOP). Therefore,
tidak mengungkapkan informasi ini. the Bank did not disclose this information.
PENGGUNAAN DANA HASIL PENAWARAN UTILIZATION OF PROCEEDS FROM PUBLIC
UMUM OFFERING
Pada tanggal 29 Juni 2022, Grup menerbitkan Obligasi On June 29, 2022, the Group issued Shelf Registration
Subordinasi Berkelanjutan I Bank Sinarmas Tahap I Tahun Subordinated Bonds I Bank Sinarmas Phase I Year 2022
2022 sebesar Rp500.000. Obligasi subordinasi ini berjangka amounting to Rp500,000. The subordinated bonds have a
waktu 5 tahun yang akan jatuh tempo pada tanggal 8 Juli 5-year tenor and will mature on July 8, 2027. The interest
2027. Tingkat suku bunga sebesar 6,50% per tahun dan rate is 6.50% per annum and payable quarterly from the
dibayarkan setiap tiga bulan sejak tanggal emisi. issuance date.
Dana yang diperoleh dari hasil Penawaran Umum The proceeds from the Shelf Registration Subordinated
Berkelanjutan Obligasi Subordinasi Berkelanjutan I Bank Bonds I Bank Sinarmas Phase I Year 2022 after deducting
Sinarmas Tahap I Tahun 2022 setelah dikurangi dengan the related issuance costs, will be used by the Company to
biaya-biaya emisi terkait, seluruhnya akan dipergunakan strengthen its capital which is calculated as supplementary
oleh Perusahaan untuk memperkuat permodalan yang capital (Tier 2) in order to support the lending plan with a
diperhitungkan sebagai modal pelengkap (Tier 2) dalam longer tenor.
rangka mendukung rencana penyaluran kredit dengan tenor
yang lebih panjang.
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Page 163
Pada Desember 2022, Perusahaan telah menggunakan As of December 2022, the Company has used all proceeds
seluruh dana hasil Penawaran Umum Berkelanjutan Obligasi from the Shelf Registration Offering of Subordinated Bonds I
Subordinasi I untuk penyaluran kredit dengan tenor panjang. for lending with longer tenors.
INFORMASI MATERIAL TERKAIT DENGAN MATERIAL INFORMATION RELATED TO
INVESTASI, EKSPANSI, DIVESTASI, INVESTMENT, EXPANSION, DIVESTMENT,
AKUISISI, DAN RESTRUKTURISASI ACQUISITION, AND RESTRUCTURING
Per tanggal 1 Januari 2024, sesuai Akta No. 2 tanggal 2 Januari As of January 1, 2024, pursuant to Deed No. 2 dated
2024 yang dibuat di hadapan Aulia Taufani, S.H., Notaris di January 2, 2024 made before Aulia Taufani, S.H., Notary in
Jakarta, pemisahan unit usaha syariah PT Bank Sinarmas Jakarta, the bookkeeping of the sharia business unit of PT
Tbk. telah efektif dilakukan dengan pendirian Bank Umum Bank Sinarmas Tbk. has been effectively carried out with
Syariah baru dengan nama PT Bank Nano Syariah. Dengan the establishment of a new Sharia Bank under the name
dipisahkannya Unit Usaha Syariah tersebut, maka selanjutnya of PT Bank Nano Syariah. With the spin off of the Sharia
PT Bank Sinarmas Tbk. tidak lagi melakukan kegiatan usaha Business Unit, PT Bank Sinarmas Tbk. no longer runs sharia-
syariah, dan telah dilakukan perubahan kegiatan usaha compliant banking business, and has made changes to the
pada Pasal 3 Anggaran Dasar PT Bank Sinarmas Tbk.
sebagaimana termaktub dalam Akta Pernyataan Keputusan
business activities in Article 3 of its Articles of Association.
as stated in the Deed of Statement of Meeting Decisions
161
Rapat Perubahan Anggaran Dasar No. 3 tanggal 2 Januari on Amendments to the Articles of Association No. 3 dated
2024
2024 yang dibuat di hadapan Aulia Taufani, S.H., Notaris January 2, 2024 made before Aulia Taufani, S.H., Notary in Performance
di Jakarta, yang telah memperoleh persetujuan sesuai Jakarta, which has obtained approval in accordance with Highlights
dengan Surat Keputusan Menteri Hukum dan Hak Asasi the Decree of the Minister of Law and Human Rights of the
Manusia Republik Indonesia No. AHU-0000118.AH.01.02 Republic of Indonesia No. AHU-0000118.AH.01.02 of 2024 Management
Tahun 2024 tanggal 2 Januari 2024. PT Bank Nano Syariah dated January 2, 2024. PT Bank Nano Syariah has been Report
telah tercatat dalam Administrasi Pengawasan Otoritas Jasa registered in the Financial Services Authority Supervisory
Keuangan sebagai Anggota Kelompok Usaha Bank dengan Administration as a Member of the Bank Business Group with Company
Perusahaan Induk PT Bank Sinarmas Tbk. the Parent Company PT Bank Sinarmas Tbk. Profile
TRANSAKSI MATERIAL YANG MATERIAL TRANSACTIONS CONTAINING MANAGEMENT
MENGANDUNG BENTURAN KEPENTINGAN CONFLICT OF INTEREST AND/OR DISCUSSION
DAN/ATAU TRANSAKSI DENGAN PIHAK TRANSACTIONS WITH AFFILIATED/ AND ANALYSIS
AFILIASI/BERELASI RELATED PARTIES
Business
Nama dan Sifat Hubungan Berelasi Name and Nature of the Related Parties Support
Bank Sinarmas memiliki relasi dengan perusahaan- Bank Sinarmas has relationships with companies within the Overview
perusahaan yang berada dalam Grup Sinar Mas selain Sinar Mas Group other than key employees:
karyawan kunci: Corporate
1. Pemegang Saham (termasuk Pemegang Saham Akhir) 1. Shareholders (including Ultimate Shareholders) of the Governance
Bank, PT Sinarmas Multiartha Tbk dan PT Shinta Utama; Bank, PT Sinarmas Multiartha Tbk, and PT Shinta Utama;
2. Perusahaan-perusahaan yang dimiliki secara langsung 2. Companies directly or indirectly owned by the Sustainability
atau tidak langsung oleh Pemegang Saham Bank; dan Shareholders of the Bank; and Report
3. Perusahaan-perusahaan yang dikendalikan oleh anggota 3. Companies controlled by close family members of the
keluarga dekat Pemegang Saham dan manajemen kunci Shareholders and key management of the Bank.
Bank.
Nilai Transaksi Pihak Berelasi Value of Related Party Transactions
Uraian terkait dengan saldo transaksi dengan pihak berelasi The description related to the balance of transactions with
disampaikan melalui tabel di bawah ini. related parties is presented in the table below.
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Page 164
dalam jutaan Rupiah, kecuali dinyatakan lain | in million Rupiah, unless otherwise stated
2024 2023
Persentase terhadap Persentase terhadap
Jumlah Aset/Liabilitas/ Jumlah Aset/Liabilitas/
Dana Syirkah Dana Syirkah
Uraian Temporer Temporer
Description Jumlah ( jutaan Rupiah) Jumlah (jutaan Rupiah)
Percentage to Total Percentage to Total
Total (million Rupiah) Total (million Rupiah)
Assets/Liabilities/ Assets/Liabilities/
Temporary Syirkah Temporary Syirkah
Fund Fund
(%) (%)
Aset
Assets
Efek-efek
1.079.140 1,94 1.140.803 2,17
Securities
Kredit
297.395 0,53 211.039 0,40
Loans
Pendapatan yang Masih Akan Diterima
143 0,00 212 0,00
Accrued Income
162 Biaya Dibayar di Muka
4.280 0,01 400 0,00
Prepaid Expense
Ikhtisar Kinerja Aset Lain-lain
2024 35.584 0,06 39.103 0,07
Other Assets
Liabilitas
Laporan Liabilities
Manajemen
Liabilitas Segera
314 0,00 1.535 0,00
Liabilities Immediately Payable
Profil Simpanan
Perusahaan 5.634.290 14,05 5.918.217 15,66
Deposits
Beban yang Masih Harus Dibayar
ANALISIS DAN 1.647 0,00 1.802 0,00
Accrued Expense
PEMBAHASAN
MANAJEMEN Dana Syirkah Temporer
Temporary Syirkah Fund
Simpanan
Tinjauan 195.989 2,83 899.014 12,81
Deposits
Pendukung
Bisnis
Tata Kelola KEBIJAKAN PENELAAHAN DAN TRANSACTION REVIEW AND APPROVAL
Perusahaan PERSETUJUAN TRANSAKSI POLICY
Laporan Penjelasan Kewajaran Transaksi Explanation of Transaction Fairness
Keberlanjutan Bank Sinarmas memastikan bahwa transaksi dengan pihak Bank Sinarmas ensures that transactions with related parties
berelasi dilakukan secara wajar, seperti transaksi dengan are conducted fairly as those with third parties. The Bank
pihak ketiga. Bank senantiasa mempertimbangkan dan always considers and fulfills all requirements in the prevailing
memenuhi segala persyaratan dalam peraturan perundang- laws and regulations, among others, as stated in the Financial
undangan yang berlaku, antara lain seperti tercantum dalam Services Authority Regulation Number 42/POJK.04/2020
Peraturan Otoritas Jasa Keuangan Nomor 42/POJK.04/2020 concerning Affiliated Transactions and Conflict of Interest
tentang Transaksi Afiliasi Dan Transaksi Benturan Transactions.
Kepentingan.
Informasi Pemenuhan Peraturan Information on Regulatory Compliance
Seluruh transaksi yang dilakukan dengan pihak berelasi/ All transactions conducted with related/affiliated parties
terafiliasi telah mematuhi peraturan perundang-undangan complied with the prevailing laws and regulations. The Bank
yang berlaku. Bank juga telah memiliki pedoman also has implementation guidelines that serve as a reference
pelaksanaan yang menjadi acuan dalam melaksanakan in carrying out the Company’s transactions with related/
transaksi Perseroan dengan pihak berelasi/terafiliasi. affiliated parties.
Pedoman tersebut mengacu pada sejumlah ketentuan, The guidelines refer to a number of provisions, among
antara lain: others:
1. Undang-Undang No. 8 tahun 1995 tentang Pasar Modal; 1. Law No. 8 of 1995 on the Capital Market;
2. Peraturan Otoritas Jasa Keuangan Republik Indonesia 2. Regulation of the Financial Services Authority of the
No. 17/POJK.04/2020 tentang Transaksi Material dan Republic of Indonesia No. 17/POJK.04/2020 concerning
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Perubahan Kegiatan Usaha; Material Transactions and Changes in Business Activities;
3. POJK 42/2020 tentang Transaksi Afiliasi dan Transaksi 3. POJK 42/2020 concerning Affiliated Transactions and
Benturan Kepentingan; dan Conflict of Interest Transactions; and
4. Anggaran Dasar Perseroan. 4. The Company’s Articles of Association.
Dengan demikian, transaksi Perseroan tahun 2024 telah Therefore, the Company’s transactions in 2024 complied
mematuhi seluruh ketentuan yang berlaku serta tidak with all applicable provisions, and there were no violations
terdapat pelanggaran terhadap peraturan perundang- of laws and regulations related to transactions with related/
undangan terkait dengan transaksi dengan pihak berelasi/ affiliated parties.
terafiliasi.
Pernyataan Direksi bahwa Transaksi telah Board of Directors’ Statement that the Transaction
Memenuhi Prosedur Memadai dan Sesuai has Fulfilled Adequate Procedures and Conforms
Praktik Bisnis yang Berlaku Umum to Generally Accepted Business Practices
Direksi telah melakukan penelahan terhadap transaksi The Board of Directors reviewed the transactions with
dengan pihak afiliasi/berelasi yang dilakukan oleh Bank.
Direksi memandang bahwa transaksi tersebut telah
affiliated/related parties conducted by the Bank. The Board
of Directors considers that the transactions fulfilled adequate
163
memenuhi prosedur memadai serta sesuai dengan praktik procedures and conformed to generally accepted business
2024
bisnis yang berlaku umum. Seluruh transaksi pada tahun practices. All transactions in 2024 were carried out with due Performance
2024 dilakukan dengan memperhatikan praktik bisnis yang regard to generally accepted business practices and arm’s Highlights
berlaku umum dan prinsip arm’s length (prinsip transaksi length principles.
yang wajar). Management
Report
Transaksi tersebut, antara lain sejalan dengan POJK These transactions, among others, are in line with POJK
42/2020 yang menyatakan bahwa perusahaan terbuka 42/2020 which states that public companies conducting Company
yang melakukan transaksi afiliasi wajib memiliki prosedur related party transactions must have adequate procedures Profile
yang memadai untuk memastikan bahwa transaksi afiliasi to ensure that related party transactions are carried out in
dilaksanakan sesuai dengan praktik bisnis yang berlaku accordance with generally accepted business practices.
MANAGEMENT
umum. DISCUSSION
AND ANALYSIS
Peran Dewan Komisaris dan Komite Audit untuk Board of Commissioners and Audit Committee’s
Memastikan Transaksi Dilakukan sesuai Praktik Role to Ensure Transactions are Conducted Business
Bisnis yang Berlaku Umum, yang Antara Lain according to Generally Accepted Business Support
Dilakukan dengan Memenuhi Prinsip Transaksi Practices, among others, by Fulfilling the Arms- Overview
yang Wajar (Arms-Length Principle) Length Principle.
Dewan Komisaris dan Komite Audit menilai bahwa transaksi The Board of Commissioners and Audit Committee consider Corporate
dengan pihak afiliasi/berelasi dilakukan oleh Bank pada that the Bank’s 2024 transactions with affiliated/related Governance
tahun 2024 telah melalui prosedur yang memadai. Selain parties followed adequate procedures. In addition, the
itu, transaksi dilaksanakan sesuai dengan praktik bisnis yang transactions were carried out in accordance with generally Sustainability
berlaku umum, yakni memenuhi prinsip transaksi yang wajar accepted business practices, which fulfill the arms-length Report
(arms length principle). principle.
Informasi transaksi afiliasi atau transaksi material yang Information on affiliated transactions or material transactions
dilakukan oleh Bank pada tahun buku juga diungkapkan conducted by the Bank in the fiscal year is also disclosed in
dalam laporan keuangan tahunan. the annual financial statements.
Halaman Rujukan dalam Laporan Keuangan Reference Page in the Financial Statements
Informasi terkait dengan transaksi berelasi/terafiliasi yang More detailed information related to related/affiliated
lebih rinci termuat dalam Laporan Keuangan yang telah transactions is contained in the audited Financial Statements
diaudit dan terdapat dalam Laporan Tahunan ini, yakni di contained in this Annual Report in the appendix section on
bagian lampiran halaman 597. page 597.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 166
PERUBAHAN PERUNDANG-UNDANGAN AMENDMENTS TO LAWS AND
YANG BERPENGARUH SIGNIFIKAN REGULATIONS THAT HAD SIGNIFICANT
IMPACTS
Dampak Bagi Bank dan
Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Impact to the Bank and
Bank Sinarmas Follow-Up
1 Surat Edaran Otoritas Jasa Keuangan PT. Bank Sinarmas Tbk. telah mempersiapkan aspek-aspek yang mempengaruhi penilaian
Nomor 24/SEOJK.03/2023 tentang Penilaian maturitas digital, sehingga hasil penilaian tingkat maturitas digital PT. Bank Sinarmas Tbk. tidak
Tingkat Maturitas Digital Bank Umum menghambat Bank dalam melakukan pengembangan berbasis IT.
Circular Letter of the Financial Services PT. Bank Sinarmas Tbk. has prepared the aspects influencing digital maturity assessments
Authority Number 24/SEOJK.03/2023 to ensure that the results of its digital maturity evaluation do not hinder the Bank’s IT-based
concerning the Assessment of Digital development initiatives.
Maturity Levels of Commercial Banks
2 Peraturan Otoritas Jasa Keuangan Nomor PT. Bank Sinarmas Tbk. telah menyesuaikan proses dan dokumen yang dibutuhkan untuk
21 Tahun 2023 tentang Layanan Digital oleh mengajukan perizinan terkait layanan digital kepada OJK.
164 Bank Umum
PT. Bank Sinarmas Tbk. has adjusted the processes and documentation required for submitting
Regulation of the Financial Services digital service licensing applications to the Financial Services Authority (OJK).
Authority Number 21 of 2023 concerning
Ikhtisar Kinerja Digital Services by Commercial Banks
2024
3 Peraturan Anggota Dewan Gubernur Nomor PT. Bank Sinarmas Tbk. sebagai Peserta Operasi Moneter, telah melakukan kewajiban yakni
22 Tahun 2023 tentang Perubahan atas menyampaikan bukti pendaftaran tresuri dealer kepada Bank Indonesia.
Laporan PADG Nomor 22/26/PADG/2020 tentang
Manajemen Kepesertaan Operasi Moneter As a Monetary Operation Participant, PT. Bank Sinarmas Tbk. has fulfilled its obligation to
submit proof of treasury dealer registration to Bank Indonesia.
Regulation of the Member of the Board of
Profil Governors Number 22 of 2023 concerning
Perusahaan Amendments to PADG Number 22/26/
PADG/2020 regarding Participation in
Monetary Operations
ANALISIS DAN
PEMBAHASAN 4 Peraturan Anggota Dewan Gubernur PT. Bank Sinarmas Tbk. telah melakukan pengkinian ketentuan internal tentang Standard
MANAJEMEN Nomor 21 Tahun 2023 tentang Peraturan Operating Procedure (SOP) Pinjaman Likuiditas Jangka Pendek (PLJP) Bank Indonesia Versi
Pelaksanaan Pinjaman Likuiditas Jangka 2.0
Panjang Bagi Bank Umum Konvensional
Tinjauan PT. Bank Sinarmas Tbk. has updated its internal provisions regarding the Standard Operating
Pendukung Regulation of the Member of the Board of Procedure (SOP) for Bank Indonesia’s Short-Term Liquidity Loans (PLJP) Version 2.0.
Bisnis Governors Number 21 of 2023 concerning
the Implementation Guidelines for Long-
Term Liquidity Loans for Conventional
Tata Kelola Commercial Banks
Perusahaan
5 Peraturan Otoritas Jasa Keuangan No 30 PT. Bank Sinarmas Tbk. selaku Entitas Utama Konglomerasi Keuangan telah melakukan
tahun 2024 tentang Konglomerasi Keuangan kajian atas POJK tersebut, serta melakukan koordinasi dan komunikasi kepada PT Sinar Mas
Laporan dan Perusahaan Induk Konglomerasi Multiartha Tbk selaku Perusahaan Induk. Selanjutnya PT. Bank Sinarmas Tbk. bersama PT Sinar
Keberlanjutan Keuangan Mas Multiartha Tbk melakukan persiapan untuk permohonan pengajuan Perusahaan Induk
Konglomerasi Keuangan Sinar Mas kepada OJK.
Regulation of the Financial Services Authority
Number 30 of 2024 concerning Financial As the Main Entity of a Financial Conglomerate, PT. Bank Sinarmas Tbk. has conducted a
Conglomerates and Financial Conglomerate review of the relevant OJK regulation, coordinated and communicated with PT Sinar Mas
Holding Companies Multiartha Tbk as the Parent Company, and jointly prepared the application for Sinar Mas
Financial Conglomerate Parent Company status submission to OJK.
6 Peraturan Anggota Dewan Gubernur PT. Bank Sinarmas Tbk. telah membentuk unit kerja Pelindungan Konsumen dan membuat
Nomor 20 Tahun 2023 tentang Tata Cara ketentuan internal mengenai pelindungan konsumen.
Pelaksanaan Pelindungan Konsumen Bank
Indonesia PT. Bank Sinarmas Tbk. has established a Consumer Protection unit and formulated internal
regulations regarding consumer protection.
Regulation of the Member of the Board of
Governors Number 20 of 2023 concerning
Procedures for the Implementation of
Consumer Protection by Bank Indonesia
7 Peraturan Bank Indonesia Nomor 15 Tahun PT. Bank Sinarmas Tbk. telah menyesuaikan ketentuan internal terkait operasi moneter.
2023 tentang Perubahan Ketiga atas
Perubahan Bank Indonesia Nomor 22/14/ PT. Bank Sinarmas Tbk. has adjusted its internal policies related to monetary operations.
PBI/2020 tentang Operasi Moneter
Regulation of Bank Indonesia Number 15 of
2023 concerning the Third Amendment to
Bank Indonesia Regulation Number 22/14/
PBI/2020 on Monetary Operations
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 167
Dampak Bagi Bank dan
Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Impact to the Bank and
Bank Sinarmas Follow-Up
8 Peraturan Otoritas Jasa Keuangan Nomor PT. Bank Sinarmas Tbk. telah menerapkan prinsip kehati hatian dalam hal melakukan
29 Tahun 2023 tentang Pembelian Kembali pembelian kembali saham yang dikeluarkan oleh Perusahaan Terbuka.
Saham yang Dikeluarkan oleh Perusahaan
Terbuka PT. Bank Sinarmas Tbk. has applied prudential principles in conducting the repurchase of
shares issued by a Public Company.
Regulation of the Financial Services
Authority Number 29 of 2023 concerning
Share Buybacks by Public Companies
9 Peraturan Otoritas Jasa Keuangan Nomor 22 PT. Bank Sinarmas Tbk. telah membentuk unit kerja Pelindungan Konsumen dan membuat
Tahun 2023 tentang Pelindungan Konsumen ketentuan internal mengenai pelindungan konsumen.
dan Masyarakat Pada Sektor Jasa Keuangan
PT. Bank Sinarmas Tbk. has established a Consumer Protection unit and formulated internal
Regulation of the Financial Services Authority regulations regarding consumer protection.
Number 22 of 2023 concerning Consumer
and Public Protection in the Financial
Services Sector
10 Peraturan Anggota Dewan Gubernur
Nomor 4 Tahun 2024 tentang Perubahan
Ketentuan ini mengatur tentang Total insentif Giro Wajib Minimum (GWM) maksimum yang
didapat Bank dalam hal Bank menyalurkan pembiayaan kepada sektor prioritas tertentu,
165
atas Peraturan Anggota Dewan Gubernur pembiayaan hijau, dan pembiayaan inklusif.
Nomor 11 Tahun 2023 tentang Peraturan
2024
Pelaksanaan Kebijakan Insentif Likuiditas Berdasarkan ketentuan ini PT. Bank Sinarmas Tbk. telah mendapatkan insentif GWM periode 1
Performance
Makroprudensial Juni sampai dengan 31 Desember 2024
Highlights
Regulation of the Member of the Board of The related regulation governs the maximum total incentives for Minimum Statutory Reserves
Governors Number 4 of 2024 concerning (GWM) that the Bank can receive when disbursing financing to certain priority sectors, green
Amendments to the Regulation of the financing, and inclusive financing. Management
Member of the Board of Governors Number Report
11 of 2023 on the Implementation Guidelines Based on this regulation, PT. Bank Sinarmas Tbk. has obtained GWM incentives for the period
for the Macroprudential Liquidity Incentive from June 1 to December 31, 2024.
Policy Company
11 Keputusan Menteri Keuangan Republik PT. Bank Sinarmas Tbk. memastikan bahwa penagihan subsidi bunga sudah sesuai dengan Profile
Indonesia Nomor 188 Tahun 2024 tentang portofolio debitur yang layak ditagihkan agar tidak terjadi kelebihan klaim penagihan yang
Penyelesaian Kewajiban Pembayaran atas berpotensi ditolak atau berpotensi dilakukan pemeriksaan jika sudah dicairkan.
Pelaksanaan Tambahan Subsidi Bunga/ MANAGEMENT
Subsidi Marjin Kredit Usaha Rakyat PT. Bank Sinarmas Tbk. ensures that the interest subsidy claims are consistent with the eligible DISCUSSION
debtor portfolio to prevent overclaims that could either be rejected or subjected to post- AND ANALYSIS
Decree of the Minister of Finance of the disbursement inspection.
Republic of Indonesia Number 188 of
2024 concerning Settlement of Payment
Business
Obligations for the Additional Subsidized
Interest/Subsidized Margin on People’s Support
Business Credit (KUR) Overview
12 Peraturan Pemerintah Nomor 22 Tahun PT Bank Sinarmas saat ini dalam proses penyesuaian ketentuan internal terkait DHE SDA
2024 tentang Perlakuan Pajak Penghasilan Corporate
atas Penghasilan dari Penempatan Devisa PT. Bank Sinarmas Tbk. is currently in the process of adjusting its internal policies related to
Governance
Hasil Ekspor Sumber Daya Alam (DHE SDA) Export Proceeds from Natural Resources (DHE SDA).
Pada Instrumen Moneter dan/atau Instrumen
Keuangan Tertentu Di Indonesia
Sustainability
Government Regulation Number 22 of Report
2024 concerning Income Tax Treatment
on Income from the Placement of Foreign
Exchange Export Proceeds from Natural
Resources (DHE SDA) in Monetary and/or
Certain Financial Instruments in Indonesia
13 Peraturan Bank Indonesia Nomor 3 PT. Bank Sinarmas Tbk. telah menginformasikan kepada unit kerja terkait untuk diperhatikan
Tahun 2024 tentang Lembaga Alternatif ketika bank akan melakukan perjanjian dengan nasabah.
Penyelesaian Sengketa
PT. Bank Sinarmas Tbk. has informed relevant work units to pay attention when entering into
Regulation of Bank Indonesia Number 3 agreements with customers.
of 2024 concerning Alternative Dispute
Resolution Institutions
14 Surat Edaran Otoritas Jasa Keuangan Nomor PT. Bank Sinarmas Tbk. memiliki kewajiban pelaporan terkait Laporan Insiden Siber, kewajiban
29/SEOJK.03/2022 tentang Ketahanan dan penilaian risiko inheren keamaan siber, serta melakukan dan melaporkan uji keamanan siber
Keamanan Siber bagi Bank Umum berdasarkan skenario dan kerentanan. Laporan dimaksud disampaikan kepada OJK sesuai
periode laporan.
Circular Letter of the Financial Services
Authority Number 29/SEOJK.03/2022 PT. Bank Sinarmas Tbk. is obligated to report Cyber Incident Reports, assess inherent cyber
concerning Cyber Resilience and Security security risks, and conduct and report cyber security testing based on specific scenarios and
for Commercial Banks vulnerabilities, with reports submitted to OJK according to the applicable reporting periods.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 168
Dampak Bagi Bank dan
Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Impact to the Bank and
Bank Sinarmas Follow-Up
15 Peraturan Menteri Koordinator Bidang PT. Bank Sinarmas Tbk. telah menyampaikan Laporan KUR dan Realisasi SBDK KUR secara
Perekonomian Nomor 7 Tahun 2024 tentang tepat waktu kepada kebijakan pembiayaan bagi Usaha Mikro, Kecil dan Menengah secara
Perubahan Kedua atas Peraturan Menteri berkala setiap bulan, paling lama tanggal 10 bulan berikutnya. Serta telah memperhatikan
Koordinator Bidang Perekonomian Nomor 1 penetapan bunga KUR dengan memperhatikan urutan akses KUR.
Tahun 2022 tentang Pedoman Pelaksanaan
Kredit Usaha Rakyat PT. Bank Sinarmas Tbk. has submitted KUR (People’s Business Credit) Reports and Prime
Lending Rate (SBDK) Realization Reports in a timely manner to the financing policy body
Regulation of the Coordinating Minister for Micro, Small, and Medium Enterprises on a monthly basis, no later than the 10th of the
for Economic Affairs Number 7 of 2024 following month, while also considering the prioritization order for KUR access.
concerning the Second Amendment to
Regulation of the Coordinating Minister
for Economic Affairs Number 1 of 2022
on Guidelines for the Implementation of
People’s Business Credit (KUR)
16 Peraturan Bank Indonesia Nomor 6 Tahun PT. Bank Sinarmas Tbk. telah menginformasikan kepada unit kerja untuk menyesuaikan
2024 tentang Pasar Uang dan Pasar Valuta ketentuan internal terkait Pasar Uang dan Pasar Valuta Asing
Asing
166 Regulation of Bank Indonesia Number 6 of
PT. Bank Sinarmas Tbk. has informed work units to adjust internal policies related to the
Money Market and Foreign Exchange Market.
2024 concerning the Money Market and
Ikhtisar Kinerja Foreign Exchange Market
2024
17 Peraturan Anggota Dewan Gubernur Nomor PT. Bank Sinarmas Tbk. telah menginformasikan kepada unit kerja untuk menyesuaikan
5 Tahun 2024 tentang Perubahan atas ketentuan internal terkait Pasar Uang dan Pasar Valuta Asing
Laporan Peraturan Anggota Dewan Gubernur Nomor
Manajemen 21/12/PADG/2019 tentang Penyelenggaraan PT. Bank Sinarmas Tbk. has informed work units to adjust internal policies related to the
Transfer Dana dan Kliring Berjadwal Oleh Money Market and Foreign Exchange Market.
Bank Indonesia
Profil
Perusahaan Regulation of the Member of the Board of
Governors Number 5 of 2024 concerning
Amendments to the Regulation of the
ANALISIS DAN Member of the Board of Governors Number
PEMBAHASAN 21/12/PADG/2019 on the Organization of
MANAJEMEN Fund Transfers and Scheduled Clearing by
Bank Indonesia
Tinjauan 18 Peraturan Bank Indonesia Nomor 5 Tahun PT. Bank Sinarmas Tbk. telah menyampaikan laporan Standarisasi Kompetensi Sistem
Pendukung 2024 tentang Standarisasi Kompetensi di Pembayaran secara konsisten kepada Bank Indonesia
Bisnis Bidang Sistem Pembayaran PT. Bank Sinarmas Tbk. has consistently submitted Payment System Competency
Regulation of Bank Indonesia Number Standardization reports to Bank Indonesia.
5 of 2024 concerning Competency
Tata Kelola Standardization in the Payment Systems
Perusahaan Sector
19 Peraturan Otoritas Jasa Keuangan Nomor 12 PT. Bank Sinarmas Tbk. telah melakukan Penerapan Strategi Anti Fraud Bagi Lembaga Jasa
Laporan Tahun 2024 tentang Penerapan Strategi Anti Keuangan.
Keberlanjutan Fraud Bagi Lembaga Jasa Keuangan
PT. Bank Sinarmas Tbk. has implemented Anti-Fraud Strategies for Financial Service Institutions.
Regulation of the Financial Services
Authority Number 12 of 2024 concerning the
Implementation of Anti-Fraud Strategies by
Financial Services Institutions
20 Peraturan Otoritas Jasa Keuangan Nomor 11 PT. Bank Sinarmas Tbk. perlu menyesuaikan laporan debitur terkait dengan penyaluran
Tahun 2024 tentang Perubahan Kedua atas kredit yang dijaminan oleh perusahaan penjamin dan asuransi, serta penyaluran kredit yang
Peraturan Otoritas Jasa Keuangan Nomor bekerjasama dengan Penyelenggara Layanan Pendanaan Bersama Berbasis Teknologi
18/POJK.03/2017 tentang Pelaporan dan Informasi (LPBBTI)
Permintaan Informasi Debitur Melalui Sistem
Layanan Informasi Keuangan (POJK SLIK) PT. Bank Sinarmas Tbk. needs to adjust debtor reporting related to credit disbursements
guaranteed by guarantor companies and insurance companies, as well as credit disbursements
Regulation of the Financial Services in cooperation with Peer-to-Peer (P2P) Lending Providers.
Authority Number 11 of 2024 concerning
the Second Amendment to the Financial
Services Authority Regulation Number 18/
POJK.03/2017 on Debtor Reporting and
Information Requests through the Financial
Information Service System (POJK SLIK)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 169
Dampak Bagi Bank dan
Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Impact to the Bank and
Bank Sinarmas Follow-Up
21 Peraturan Menteri Keuangan (PMK) Nomor PT. Bank Sinarmas Tbk. telah menyesuaikan ketentuan internal terkait akses informasi
47 Tahun 2024 tentang Perubahan Ketiga keuangan untuk kepentingan bersama.
atas PMK Nomor 70/PMK.03/2017 tentang
Petunjuk Teknis Mengenai Akses Informasi PT. Bank Sinarmas Tbk. has adjusted internal policies concerning financial information access
Keuangan Untuk Kepentingan Bersama for shared interests.
Regulation of the Minister of Finance (PMK)
Number 47 of 2024 concerning the Third
Amendment to PMK Number 70/PMK.03/2017
on Technical Guidelines Regarding the
Access to Financial Information for Common
Interests
22 Peraturan Anggota Dewan Gubernur PT. Bank Sinarmas Tbk. telah menyesuaikan ketentuan internal terkait Penyelenggaraan
Nomor 8 Tahun 2024 tentang Perubahan Setelmen Dana Seketika Melalui Sistem Bank Indonesia–Real Time Gross Settlement
Keenam atas Peraturan Anggota Dewan
Gubernur Nomor 20/15/PADG/2018 tentang PT. Bank Sinarmas Tbk. has adjusted internal policies related to the Instant Fund Settlement
Penyelenggaraan Setelmen Dana Seketika through the Bank Indonesia–Real Time Gross Settlement System.
melalui Sistem Bank Indonesia–Real Time
Gross Settlement
167
Regulation of the Member of the Board of 2024
Governors Number 8 of 2024 concerning Performance
the Sixth Amendment to the Regulation of the Highlights
Member of the Board of Governors Number
20/15/PADG/2018 on the Organization of
Instant Fund Settlement through the Bank
Management
Indonesia–Real Time Gross Settlement
System
Report
23 Peraturan Anggota Dewan Gubernur PT. Bank Sinarmas Tbk. telah menginformasikan kepada unit kerja untuk menyesuaikan
Nomor 7 Tahun 2024 tentang Peraturan pelaksanaan ketentuan baru mengenai Rasio Pendanaan Luar Negeri Bank. Company
Pelaksanaan Rasio Pendanaan Luar Negeri Profile
Bank PT. Bank Sinarmas Tbk. has informed work units to implement the new provisions on the Bank’s
Offshore Funding Ratio.
Regulation of the Member of the Board of
Governors Number 7 of 2024 concerning MANAGEMENT
Implementation Regulations for Banks’ DISCUSSION
External Funding Ratio AND ANALYSIS
24 Peraturan Anggota Dewan Gubernur Nomor PT. Bank Sinarmas Tbk. telah menginformasikan kepada seluruh unit kerja terkait untuk
6 Tahun 2024 tentang Perubahan atas menyesuaikan ketentuan internal mengenai Devisa Hasil Ekspor dan Devisa Pembayaran
Business
Peraturan Anggota Dewan Gubernur Nomor Impor
4 Tahun 2023 tentang Devisa Hasil Ekspor Support
dan Devisa Pembayaran Impor PT. Bank Sinarmas Tbk. has informed all relevant work units to adjust internal policies Overview
concerning Export Proceeds and Import Payment Foreign Exchange.
Regulation of the Member of the Board of
Governors Number 6 of 2024 concerning Corporate
Amendments to the Regulation of the Governance
Member of the Board of Governors Number
4 of 2023 on Export Proceeds and Import
Payment Foreign Exchange Sustainability
25 Peraturan Otoritas Jasa Keuangan Nomor PT. Bank Sinarmas Tbk. telah memperbaharui kebijakan internal yang dimiliki saat ini, serta Report
13 Tahun 2024 tentang Transparansi dan melakukan pelaporan SBDK kepada OJK sesuai ketentuan yang berlaku.
Publikasi Suku Bunga Kredit Bagi Bank
Umum Konvensional PT. Bank Sinarmas Tbk. has updated its current internal policies and reported Prime Lending
Rates (SBDK) to OJK in compliance with prevailing regulations.
Regulation of the Financial Services Authority
Number 13 of 2024 concerning Transparency
and Publication of Loan Interest Rates for
Conventional Commercial Banks
26 Peraturan Lembaga Penjamin Simpanan PT. Bank Sinarmas Tbk. telah menyesuaikan ketentuan internal mengenai Premi Program
Nomor 1 Tahun 2024 tentang Premi Program Restrukturisasi Perbankan
Restrukturisasi Perbankan PT. Bank Sinarmas Tbk. has adjusted internal policies regarding the Banking Restructuring
Regulation of the Indonesia Deposit Program Premium.
Insurance Corporation Number 1 of 2024
concerning Premiums for the Banking
Restructuring Program
27 Peraturan Anggota Dewan Gubernur No 11 PT. Bank Sinarmas Tbk. telah menyesuaikan ketentuan internal terkait transaksi Pasar Valuta
Tahun 2024 tentang Transaksi Pasar Valuta Asing.
Asing
PT. Bank Sinarmas Tbk. has adjusted internal policies related to Foreign Exchange Market
Regulation of the Member of the Board of transactions.
Governors Number 11 of 2024 concerning
Foreign Exchange Market Transactions
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 170
Dampak Bagi Bank dan
Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Impact to the Bank and
Bank Sinarmas Follow-Up
28 Keputusan Menteri Keuangan Republik PT. Bank Sinarmas Tbk. telah melakukan penyesuaian ketentuan internal mengenai besaran
Indonesia Nomor 338 Tahun 2024 tentang subsidi bunga KUR sesuai dengan Keputusan Menteri Keuangan Republik Indonesia Nomor
Perubahan atas Keputusan Menteri 388 tahun 2024 tentang Perubahan atas Keputusan Menteri Keuangan Republik Indonesia
Keuangan Republik Indonesia Nomor 317 Nomor 317 Tahun 2024 tentang Besaran Subsidi Bunga/Subsidi Marjin Kredit Usaha Rakyat
Tahun 2024 tentang Besaran Subsidi Bunga/
Subsidi Marjin Kredit Usaha Rakyat PT. Bank Sinarmas Tbk. has adjusted internal policies concerning the amount of KUR interest
subsidies, following the Decree of the Minister of Finance of the Republic of Indonesia Number
Decree of the Minister of Finance of the 388 of 2024 on the Amendment to Decree Number 317 of 2024 regarding the Amount of
Republic of Indonesia Number 338 of 2024 Interest Subsidy/Margin Subsidy for People’s Business Credit.
concerning Amendments to the Decree
of the Minister of Finance of the Republic
of Indonesia Number 317 of 2024 on the
Amount of Interest Subsidy/Margin Subsidy
for People’s Business Credit (KUR)
29 Peraturan Anggota Dewan Gubernur Nomor Melalui ketentuan ini Bank Indonesia melanjutkan pelonggaran ketentuan Rasio Loan to Value
19 Tahun 2024 tentang Perubahan Keenam (LTV) untuk Kredit Properti dan Uang Muka untuk Kredit Kendaraan Bermotor sampai dengan
atas Peraturan Anggota Dewan Gubernur 31 Desember 2025.
168 Nomor 21/25/APDG/2019 tentang Rasio
Loan To Value untuk Kredit Properti, Rasio Atas ketentuan ini Bank Sinarmas telah melakukan pengkinian kebijakan internal serta
Financing To Value untuk Pembiayaan memastikan penerapan ketentuan LTV dan Uang Muka tersebut dalam pemberian kredit
Ikhtisar Kinerja Properti, dan Uang Muka untuk Kredit atau kepada debitur.
2024 Pembiayaan Kendaraan Bermotor
Under this provision, Bank Indonesia has extended the relaxation of Loan-to-Value (LTV)
Regulation of the Member of the Board of ratios for Property Loans and Down Payments for Vehicle Loans until December 31, 2025.
Laporan Governors Number 19 of 2024 concerning
Manajemen the Sixth Amendment to the Regulation In response to this regulation, Bank Sinarmas has updated its internal policies and ensured
of the Member of the Board of Governors the application of the LTV and Down Payment provisions when extending credit to debtors.
Number 21/25/APDG/2019 on Loan to Value
Profil Ratio for Property Loans, Financing to Value
Perusahaan Ratio for Property Financing, and Down
Payment for Vehicle Loans or Financing
ANALISIS DAN 30 Peraturan Anggota Dewan Gubernur No 14 PT. Bank Sinarmas Tbk. telah menginformasikan kepada unit kerja terkait untuk diperhatikan
PEMBAHASAN Tahun 2024 tentang Perubahan Kedua atas ketika bank akan menerapkan transaksi bilateral dengan Jepang.
MANAJEMEN Peraturan Anggota Dewan Gubernur Nomor
22/20/PADG/2020 tentang Penyelesaian PT. Bank Sinarmas Tbk. has informed relevant work units to take into account new requirements
Transaksi Bilateral Indonesia dan Jepang when engaging in bilateral transactions with Japan.
Tinjauan Menggunakan Rupiah dan Yen Melalui Bank
Pendukung
Bisnis Regulation of the Member of the Board of
Governors Number 14 of 2024 concerning
the Second Amendment to the Regulation
Tata Kelola of the Member of the Board of Governors
Perusahaan Number 22/20/PADG/2020 on Bilateral
Transaction Settlements between Indonesia
and Japan Using Rupiah and Yen through
Laporan
Banks
Keberlanjutan
31 Peraturan Anggota Dewan Gubernur No PT. Bank Sinarmas Tbk. telah menginformasikan kepada unit kerja terkait untuk menyesuaikan
15 Tahun 2024 tentang Perubahan atas ketentuan internal dan pelaksanaan transaksi bilateral dengan Tiongkok.
Peraturan Anggota Dewan Gubernur Nomor
23/16/PADG/2021 tentang Penyelesaian PT. Bank Sinarmas Tbk. has informed relevant work units to adjust internal policies and
Transaksi Bilateral antara Indonesia dan practices related to bilateral transactions with China.
Tiongkok menggunakan Rupiah dan Yuan
melalui Bank
Regulation of the Member of the Board of
Governors Number 15 of 2024 concerning
Amendments to the Regulation of the
Member of the Board of Governors Number
23/16/PADG/2021 on Bilateral Transaction
Settlements between Indonesia and China
Using Rupiah and Yuan through Banks
32 Peraturan Anggota Dewan Gubernur No 13 PT. Bank Sinarmas Tbk. telah menginformasikan kepada unit kerja terkait untuk menyesuaikan
Tahun 2024 tentang Transaksi Pasar Uang ketentuan internal terkait transaksi Pasar Uang.
Regulation of the Member of the Board of PT. Bank Sinarmas Tbk. has informed relevant work units to adjust internal policies related to
Governors Number 13 of 2024 concerning Money Market transactions.
Money Market Transactions
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 171
Dampak Bagi Bank dan
Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Impact to the Bank and
Bank Sinarmas Follow-Up
33 Peraturan Otoritas Jasa Keuangan Bank wajib menyusun dan menyampaikan Rencana Aksi Pemulihan (Recovery Plan) kepada
Nomor 5 tahun 2024 tentang Penetapan Otoritas Jasa Keuangan. Pada tahun 2025 Bank melakukan Rapat Pemegang Saham (RUPS)
Status Pengawasan dan Penanganan untuk meminta persetujuan pemegang saham terhadap laporan rencana aksi pemulihan tahun
Permasalahan Bank Umum 2024.
Financial Services Authority Regulation The Bank is required to prepare and submit a Recovery Plan to the Financial Services Authority.
No. 5 of 2024 concerning Determination In 2025, the Bank will hold a Shareholders Meeting (GMS) to seek shareholder approval of the
of Supervisory Status and Handling of 2024 recovery action plan report.
Commercial Bank Problems
34 Peraturan Otoritas Jasa Keuangan Nomor Bank wajib mmemiliki proses pelaporan keuangan yang berintegritas untuk memastikan
15 tahun 2024 tentang Integritas Pelaporan kebenaran, keakuratan, serta transparansi informasi keuangan dan laporan keuangan yang
Keuangan Bank dihasilkan.
Financial Services Authority Regulation No. Banks are required to have a financial reporting process with integrity to ensure the truth,
15 of 2024 on Bank Financial Reporting accuracy, and transparency of financial information and the resulting financial statements.
Integrity
169
PERUBAHAN KEBIJAKAN AKUNTANSI CHANGES IN ACCOUNTING POLICY 2024
Performance
Perubahan Pernyataan Standar Akuntansi Changes to the Statements of Financial Highlights
Keuangan (PSAK) Accounting Standards (SFAS)
Penerapan standar akuntansi keuangan yang berlaku efektif The implementation of the revised financial accounting Management
1 Januari 2025 tidak menyebabkan perubahan signifikan standards of Bank Sinarmas is effective on January 1, 2025 Report
atas kebijakan akuntansi Bank dan tidak berdampak material did not cause significant changes to the Bank’s accounting
terhadap jumlah-jumlah yang dilaporkan dalam laporan policies and had no material impact on the amounts reported Company
keuangan tahun berjalan sebagai berikut: in the current year’s financial statements as follows: Profile
Penerapan pada tahun 2025 Implementation in 2025
MANAGEMENT
- Amandemen PSAK No. 117, “Kontrak Asuransi” - Amendment to SFAS No. 117, “Insurance Contracts” DISCUSSION
- Amendemen PSAK No. 221. “Pengaruh Perubahan Kurs - Amendment to SFAS No. 221. “Impact on Changes in AND ANALYSIS
Valuta Asing Foreign Currency”
Business
Sampai dengan tanggal penerbitan laporan keuangan, As at the date of authorization of these financial statements, Support
Bank masih mempelajari dampak yang mungkin timbul the Bank is still evaluating the potential impact of the above Overview
dari penerapan amendemen PSAK tersebut dan dampak amendments to SFAS and has not yet determined the related
tersebut pada laporan keuangan belum dapat ditentukan. effects on the financial statements. Corporate
Governance
INFORMASI KELANGSUNGAN USAHA BUSINESS CONTINUITY INFORMATION
Sustainability
Hal-hal yang Berpotensi Berpengaruh Signifikan Matters that have the Potential to Significantly Report
terhadap Kelangsungan Usaha Perusahaan Influence on the Continuity of the Company’s
Business
Potensi ancaman terhadap kelangsungan usaha Bank Potential threats to Bank Sinarmas’ business continuity can
Sinarmas dapat berasal dari gangguan atau bencana yang come from disruptions or disasters caused by various factors,
disebabkan oleh berbagai faktor baik dari internal maupun both internal and external, such as business process failures,
eksternal seperti kegagalan proses bisnis, fraud internal, internal fraud, natural disasters, technological disruption,
bencana alam, disrupsi teknologi, kondisi politik maupun political and macroeconomic conditions.
makro ekonomi.
Sektor perbankan Indonesia menunjukkan ketahanan yang Into early 2025, the Indonesian banking sector showed solid
solid memasuki awal 2025, dengan kinerja intermediasi yang resilience with intermediation performance remaining strong
tetap kuat meskipun mengalami sedikit perlambatan. Menurut despite a slight slowdown. According to Bank Indonesia
data Bank Indonesia, pertumbuhan kredit perbankan mencapai data, banking credit growth reached 10.3% year-on-year
10,3% secara tahunan (year-on-year/YoY) pada Februari (YoY) in February 2025, slightly down compared to 10.39%
2025, sedikit menurun dibandingkan dengan 10,39% pada in December 2024. This growth was driven by demand from
Desember 2024. Pertumbuhan ini didorong oleh permintaan the corporate segment which was still growing positively,
dari segmen korporasi yang masih tumbuh positif, meskipun although household consumption tended to be limited. In
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konsumsi rumah tangga cenderung terbatas. Dari sisi risiko terms of credit risk, the gross non-performing loan (NPL) ratio
kredit, rasio kredit bermasalah (Non-Performing Loan/NPL) decreased to 2.20% at the end of 2024, while net NPL was
gross menurun menjadi 2,20% pada akhir 2024, sementara stable at 0.77%, reflecting maintained asset quality. Banking
NPL net stabil di angka 0,77%, mencerminkan kualitas aset yang liquidity also remained adequate, with the ratio of liquid
terjaga. Likuiditas perbankan juga tetap memadai, dengan assets to third party funds (AL/TPF) recorded at 26.03% in
rasio alat likuid terhadap dana pihak ketiga (AL/DPK) tercatat January 2025, increasing from 25.59% in December 2024.
sebesar 26,03% pada Januari 2025, meningkat dari 25,59% Bank Indonesia projects credit growth in 2025 to be in the
pada Desember 2024. Bank Indonesia memproyeksikan range of 11–13%, in line with the strong putlook of economic
pertumbuhan kredit pada 2025 berada dalam kisaran 11–13%, growth and continued support from macroprudential policies.
sejalan dengan prospek pertumbuhan ekonomi yang tetap With this condition, the banking sector shall continue to
baik dan dukungan kebijakan makroprudensial. Dengan contribute positively to the national economy.
kondisi ini, sektor perbankan diharapkan terus berkontribusi
positif terhadap perekonomian nasional.
Terkait kondisi tersebut, Bank Sinarmas telah mengambil Related to these conditions, Bank Sinarmas has taken steps
170 langkah untuk menjaga kinerja Bank agar tetap resilien
dengan melibatkan seluruh lapisan stakeholder Bank
to maintain the Bank’s performance to remain resilient by
involving all layers of the Bank’s stakeholders, including the
Ikhtisar Kinerja
antara lain Direksi & Komisaris, Komite-Komite, berbagai Board of Directors & Commissioners, Committees, various
2024 unit kerja terkait yang merupakan bagian dari Three Lines related work units that are part of the Three Lines Model,
Model yaitu Unit Bisnis, Compliance, Risk Management namely Business Unit, Compliance, Risk Management Group,
Laporan Group, dan Internal Audit dalam kegiatan usaha. Dari sisi and Internal Audit in business activities. The Risk Management
Manajemen Risk Management Group merupakan pihak independen Group is an independent party to the operational work unit
terhadap satuan kerja operasional (risk taking unit) dan (risk taking unit) and the internal control function work unit.
Profil satuan kerja fungsi pengendalian intern. Risk Management Risk Management Group becomes a business partner for
Perusahaan
Group menjadi business partner bagi unit-unit kerja terkait other related work units, especially in risk management
lainnya, terutama dalam strategi pengelolaan risiko yang strategies that affect the Bank’s business continuity.
ANALISIS DAN
PEMBAHASAN berdampak pada keberlangsungan usaha Bank.
MANAJEMEN
Berikut ini beberapa strategi dalam pengelolaan risiko bank. Here are some strategies in managing bank risk.
Tinjauan 1. Pengawasan Aktif Dewan Komisaris dan Direksi baik 1. Active Supervision of the Board of Commissioners
Pendukung
Bisnis
secara langsung maupun melalui Komite-Komite. and the Board of Directors either directly or through
Komisaris dan Direksi (Manajemen) mampu melakukan Committees.The Board of Commissioners and the Board
Tata Kelola pengawasan secara aktif terhadap pelaksanaan of Directors (Management) are able to actively supervise
Perusahaan kebijakan dan strategi manajemen risiko, dilakukan the implementation of risk management policies and
antara lain: tugas pengawasan Direksi dibantu oleh strategies, among others: the supervisory duties of the
Laporan Komite Manajemen Risiko dan Komite Kebijakan Kredit Board of Directors are assisted by the Risk Management
Keberlanjutan melalui pelaksanaan rapat Komite Manajemen Risiko Committee and the Credit Policy Committee through
dan Komite Kebijakan Kredit serta Pengawasan Dewan the implementation of the Risk Management Committee
Komisaris dibantu oleh Komite Pemantau Risiko melalui and Credit Policy Committee meetings and the Board
pelaksanaan rapat Komite Pemantau Risiko. of Commissioners Supervision is assisted by the Risk
Monitoring Committee through the implementation of
Risk Monitoring Committee meetings.
2. Kecukupan kebijakan, prosedur, penetapan limit, dan 2. Adequacy of policies, procedures, limit setting, and review.
kaji ulang. Bank terus berupaya untuk mengembangkan, The Bank will continue to strive to develop, maintain and
memelihara dan memantau kebijakan, prosedur dan monitor risk management policies, procedures and limits
limit manajemen risiko agar dilaksanakan sesuai dengan so that they are implemented in accordance with the
strategi bisnis, karakteristik dan kompleksitas kegiatan business strategy, characteristics and complexity of the
usaha Bank, risk appetite, risk tolerance, serta ketentuan Bank’s business activities, risk appetite, risk tolerance, and
yang ditetapkan oleh otoritas dan/atau praktik perbankan provisions set by the authorities and/or healthy banking
yang sehat. Hal ini antara lain dilakukan melalui penyusunan practices. This is done, among others, through the
dan kaji ulang beberapa kebijakan, penetapan dan kaji preparation and review of several policies, determination
ulang limit risk appetite dan risk tolerance untuk risiko yang and review of risk appetite and risk tolerance limits for
dominan bagi bank antara lain risiko kredit, risiko pasar, dominant risks for the bank, including credit risk, market
risiko likuiditas, dan risiko operasional. risk, liquidity risk, and operational risk.
3. Kecukupan proses identifikasi, pemantauan, pengukuran 3. Adequacy of the risk identification, monitoring,
dan pengendalian risiko antara lain dilakukan dengan measurement and control process is carried out, among
cara: others, by:
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a. Mengembangkan dan menerapkan metodologi, a. Developing and implementing methodologies,
prosedur, dan perangkat untuk identifikasi, pengukuran, procedures, and tools for identification, measurement,
pemantauan dan pengendalian risiko yang timbul dari monitoring, and control of risks arising from all bank
seluruh produk/aktivitas bank sesuai dengan strategi, products/activities in accordance with the Bank’s
risk appetite, dan kompleksitas usaha Bank; strategy, risk appetite, and business complexity;
b. Menganalisis potensi kerugian dari aktivitas dan b. Analyzing potential losses from bank activities and
produk bank serta dampaknya terhadap profil risiko products and their impact on the Bank’s risk profile
dan permodalan Bank; and capital;
c. Memberikan rekomendasi kepada risk taking unit, c. Providing recommendations to risk taking units,
unit pendukung, dan/atau komite atas proposal yang supporting units, and/or committees on proposals
diajukan sesuai kewenangan yang dimiliki dimana submitted in accordance with the authority held,
dituangkan dalam Telaah Risiko dan Kajian Risiko; outlined in the Risk Review and Risk Assessment;
d. Melakukan simulasi dan/atau stress testing untuk d. Conducting simulations and/or stress testing to
melengkapi sistem pengukuran risiko dengan complete the risk measurement system by estimating
memperkirakan penggunaan limit dan potensi the use of limits and potential losses of the Bank in
kerugian Bank pada kondisi pasar yang tidak normal
dengan menggunakan skenario tertentu untuk
abnormal market conditions using certain scenarios
to see the sensitivity of the Bank’s performance to
171
melihat sensitivitas kinerja Bank terhadap perubahan changes in risk factors and identify factors that have
2024
faktor risiko dan mengidentifikasi faktor yang a significant impact on the Bank’s portfolio; Performance
berdampak signifikan terhadap portofolio Bank; Highlights
e. Menetapkan dan mengkaji ulang secara berkala e. Establishing and reviewing on a regular basis the
metodologi dalam proses identifikasi dan methodology in the process of risk identification and Management
pengukuran risiko; measurement; Report
f. Pemantauan posisi risiko Bank secara keseluruhan f. Monitoring the Bank’s overall (composite) risk
(composite), maupun per masing-masing jenis risiko position, as well as per each type of risk and per Company
dan per jenis aktifitas fungsional terhadap risk type of functional activity against the established risk Profile
appetite dan risk tolerance yang ditetapkan; dan appetite and risk tolerance; and.
g. Penilaian secara berkala terhadap penilaian sendiri g. Periodic assessment of self-assessment for the
MANAGEMENT
(self assesment) Untuk Profil Risiko Bank secara Bank’s Risk Profile Individually and Consolidated DISCUSSION
Individu dan Konsolidasi dengan Perusahaan Anak, with Subsidiaries, Bank Health Level Report, Bank AND ANALYSIS
Laporan Tingkat Kesehatan Bank, Laporan ICAAP ICAAP Report, Sinarmas Financial Conglomeration
Bank, Laporan Profil Risiko Terintegrasi Konglomerasi Integrated Risk Profile Report, Sinarmas Financial Business
Keuangan Sinarmas, Laporan Kewajiban Penyediaan Conglomeration Integrated Minimum Capital Support
Modal Minimum Terintegrasi Konglomerasi Keuangan Adequacy Report and Recovery Action Plan Report. Overview
Sinarmas dan Laporan Rencana Aksi Pemulihan.
4. Menyampaikan informasi risiko yang efektif sesuai 4. Delivering effective risk information in accordance Corporate
dengan karakteristik dan kompleksitas kegiatan usaha with the characteristics and complexity of business Governance
dan profil risiko bank guna membantu Direksi, Dewan activities and the bank’s risk profile to assist the Board
Komisaris, Komite Manajemen Risiko, dan Komite of Directors, Board of Commissioners, Risk Management Sustainability
Pemantauan Risiko dalam mengelola risiko, memperkuat Committee, and Risk Monitoring Committee in managing Report
aspek pengendalian risiko, dan melindungi kepentingan risks, strengthening risk control aspects, and protecting
Pemegang Saham. the interests of Shareholders.
5. Kecukupan kompetensi sumber daya manusia, antara lain 5. Adequate human resource competency, including by
dengan memastikan struktur organisasi dan kecukupan ensuring the organizational structure and adequacy of
sumber daya manusia Risk Management Group human resources in the Risk Management Group are
memadai sesuai dengan ukuran dan kompleksitas usaha. adequate according to the size and complexity of the
Menetapkan tugas dan tanggung jawab yang jelas pada business. Establishing clear duties and responsibilities for
masing-masing divisi sesuai karakteristik dan profil risiko each division according to the characteristics and risk profile
bank, serta memastikan kecukupan kompetensi guna of the bank, and ensuring adequacy of competency to
mendukung penerapan manajemen risiko secara efektif. support the implementation of risk management effectively.
6. Implementasi Budaya Sadar Risiko dilaksanakan untuk 6. The implementation of Risk Awareness Culture is carried
mendorong pemilik risiko di seluruh jenjang organisasi out to encourage risk owners at all levels of the Bank’s
Bank agar meningkatkan budaya kesadaran risiko (Risk organization to improve risk awareness culture (Risk
Awareness Campaign Program) melalui berbagai media, Awareness Campaign Program) through various media,
antara lain email, diskusi kelompok, GMeet, sosialisasi including email, group discussions, GMeet, socialization or
atau pelatihan di ruang kelas atau e-learning, Key Risk classroom training or e-learning, Key Risk Indicators, and
Indicator, dan Risk Control Self-Assessment. Risk Control Self-Assessment.
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Assessment Manajemen atas Masalah Tersebut Management Assessment of the Issue
Bank melaksanakan restrukturisasi dan menyalurkan The Bank carries out restructuring and distributes credit
kredit secara lebih selektif serta mengedepankan prinsip more selectively and prioritizes the principle of prudence
kehati-hatian kepada nasabah. Bank senantiasa menjaga to customers. The Bank always maintains sufficient liquidity
kecukupan likuiditas pada level yang memadai sehingga at an adequate level to ensure seamless operational and
aktivitas operasional dan bisnis dapat berjalan dengan lancar business activities and adqequate capital as an anticipation
serta permodalan yang sangat memadai sebagai antisipasi to absorb every possible risk as they occur. In accordance
untuk menyerap kemungkinan risiko yang mungkin terjadi. with the provisions of good corporate governance, the Bank
Sesuai ketentuan pelaksanaan tata kelola perusahaan yang conducts a self-assessment to measure the risk profile and
baik, Bank melakukan self-assessment untuk mengukur level of Bank Health.
profil risiko dan tingkat Kesehatan Bank.
Berdasarkan hasil self-assessment posisi 31 Desember 2024, Based on the self-assessment results for the position of
dinilai bahwa Tingkat Kesehatan Bank berada di peringkat December 31, 2024, the result is that the Bank’s health level
2 (dua) atau “Sehat” dengan penilaian Profil Risiko secara is at “Rank 2 (two) or “Healthy” with a composite risk profile
172 komposit pada peringkat 2 (dua) atau “Low to Moderate”.
Hal ini menunjukkan Bank mampu melakukan identifikasi,
assessment at rank 2 (two) or “Low to Moderate”. This shows
that the Bank is able to identify, anticipate, follow up and
Ikhtisar Kinerja
antisipasi, menindaklanjuti sekaligus memitigasi risiko-risiko mitigate risks that can affect the Bank’s business continuity.
2024 yang dapat mempengaruhi kesinambungan usaha Bank.
Laporan Asumsi yang Digunakan dalam Melakukan Assumptions Used in Conducting the
Manajemen Assessment Assessment
Self-assessment yang dilakukan oleh Bank telah The self-assessment conducted by the Bank has considered,
Profil mempertimbangkan, antara lain: among others:
Perusahaan
1. Action plan dan/atau upaya perbaikan yang telah 1. Action plans and/or improvement efforts that have
dilakukan oleh Bank selama Tahun 2024 antara lain dari been carried out by the Bank during the year 2024,
ANALISIS DAN
PEMBAHASAN sisi perkreditan, treasury, stratejik, kepatuhan maupun including in the credit, treasury, strategic, compliance
MANAJEMEN operasional Bank; and operational aspects of the Bank;
2. Data Historis yang dimiliki oleh Bank; 2. Historical data owned by the Bank;
Tinjauan 3. Ketentuan Regulator; 3. Regulatory requirements;
Pendukung
Bisnis
4. Rencana Bisnis Bank; 4. Bank’s business plan;
5. Benchmark dengan peers Bank serta industri perbankan 5. Benchmark with the Bank’s peers and the banking
Tata Kelola secara umumnya; serta disesuaikan dengan industry in general; and adjusted to
Perusahaan 6. Risk appetite dan risk tolerance Bank. 6. Risk appetite and risk tolerance of the Bank.
Laporan Selama tahun 2024, seluruh aktivitas operasional dapat During 2024, all operational activities were under control
Keberlanjutan terkendali dan berjalan dengan baik. and very well run.
Peringkat
Faktor-faktor Penilaian Rating
Assessment Factors
2024 2023
Peringkat TKB Berdasarkan Risiko (Self Assessment)
2 2
Risk-Based Soundess Rating
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TINJAUAN
PENDUKUNG BISNIS
Business Support Review
.05
Page 176
SUMBER DAYA MANUSIA
Human Resources
174
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil
Perusahaan
Analisis dan
Pembahasan
Manajemen
TINJAUAN
PENDUKUNG
BISNIS
Tata Kelola
Perusahaan
Laporan
Keberlanjutan
PENGEMBANGAN SUMBER DAYA MANUSIA HUMAN RESOURCE DEVELOPMENT
PT. Bank Sinarmas Tbk. (“Bank Sinarmas” atau “Bank”) PT. Bank Sinarmas Tbk. (“Bank Sinarmas” or “Bank”) views
memandang bahwa sumber daya manusia (SDM) yang qualified human resources (HR) as a crucial part in sustainably
mumpuni merupakan bagian yang sangat penting dalam developing the Bank’s business performance. For Bank
pengembangan kinerja usaha Bank secara berkelanjutan. Sinarmas, the role HR plays is very important in that it helps
Bagi Bank Sinarmas, SDM memiliki peran penting dalam the Bank meet its short-, medium-, and long-term goals and
mewujudkan tujuan Bank untuk jangka pendek, menengah, bring to life its stated vision and mission.
maupun panjang serta visi dan misi yang telah ditetapkan.
Karena itu, Bank Sinarmas senantiasa mengembangkan SDM Therefore, Bank Sinarmas always develops HR in a planned
secara terencana dan berkelanjutan. Hal ini dilakukan bukan and sustainable manner. This is done not only in terms of
hanya pada materi pengembangan kompetensi, tetapi juga competency development material but also employee job
jenjang jabatan karyawan agar selaras dengan target Bank. levels to align with the Bank’s targets.
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Organisasi Pengelolaan Sumber Daya Manusia Human Resource Management Organization
Bank Sinarmas membentuk Human Capital Management Bank Sinarmas formed Human Capital Management (HCM)
(HCM) sebagai organisasi pengelola, baik dalam rangka as a management organization, both in terms of coaching
pembinaan maupun pengembangan SDM. Dalam organisasi and developing HR. In the HCM organization there are 4
HCM terdapat 4 (empat) fungsi utama seperti diuraikan (four) main functions as described in the table below.
dalam tabel di bawah ini.
Fungsi Organisasi
Tugas Task
Organizational Functions
Mengembangkan strategi pengelolaan SDM melalui
Develop HR management strategies through meeting
pemenuhan kebutuhan SDM, manajemen talenta,
Human Capital Talent HR needs, talent management, HR development, and
pengembangan SDM, dan pengembangan program
Development (HCTD) development of training programs so as to create
pelatihan sehingga terciptanya pengelolaan SDM
effective HR management.
yang efektif.
Mengembangkan organisasi dan tata kelola SDM Developing optimal HR organization and governance,
yang optimal, serta penanganan atas perselisihan as well as handling industrial relations disputes to
Organization Development &
hubungan industrial guna terciptanya lingkungan kerja create a conducive work environment, productive
Industrial Relations (ODIR)
yang kondusif, SDM yang produktif, serta proses kerja
yang optimal dan saling terintegrasi.
human resources, as well as optimal and integrated
work processes. 175
Mengelola kinerja seluruh karyawan, pengelolaan Managing all employees’ performance, reward system
Human Capital Process & sistem reward, dan pengelolaan data karyawan, management, and employee data management to 2024
Performance Management sehingga proses kerja optimal dan saling terintegrasi ensure optimal and integrated work Performance
(HCPPM) dalam mendukung pencapaian target Bank dengan processes to support the achievement of the Bank’s Highlights
SDM yang produktif. targets with productive human resources.
Menyelaraskan tujuan bisnis dengan karyawan Aligning business objectives with employees and
dan manajemen (khususnya di ITDE dan bisnis), management (especially in ITDE and business), Management
memperkuat employee experience yang tercermin strengthening the employee experience reflected in Report
HCBP, System & Employee dalam pengelolaan HCMS, serta menjembatani HCMS management, and bridging the relationship
Relations (HCBPSER) hubungan antara manajemen dengan karyawan, between management and employees, thereby
sehingga meningkatkan efektivitas organisasi dalam increasing the effectiveness of the organization in Company
menjalankan bisnisnya, baik dalam jangka pendek running its business, both in the short and long term. Profile
maupun jangka panjang.
Management
Keempat fungsi utama tersebut senantiasa bersinergi untuk These four main functions continuously synergize to Discussion and
mendukung pencapaian tujuan organisasi, memastikan support organizational goal achievement, ensure the Analysis
ketersediaan SDM yang sesuai dengan kebutuhan, dan availability of human resources according to needs, and
mempromosikan pertumbuhan yang berkelanjutan dalam promote sustainable growth in the dynamic changes of BUSINESS
konteks perubahan dinamis di dunia perbankan. Melalui the banking industry. Through this organized and focused SUPPORT
pembagian fungsi dan tugas yang terorganisir dan fokus ini, division of functions and tasks, the Bank can improve its HR OVERVIEW
Bank dapat meningkatkan pengelolaan SDM dengan lebih management.
baik. Corporate
Governance
Kebijakan Strategis 2024 2024 Strategic Policies
Sustainability
Rekrutmen Recruitment Report
Bank Sinarmas menggunakan 2 (dua) pendekatan dalam Bank Sinarmas applies 2 (two) approaches to conducting
melakukan rekrutmen, dengan tujuan dapat merespons recruitment to respond to the increasingly dynamic
perkembangan bisnis Bank yang semakin dinamis. development of the Bank’s business. Here are the
Pendekatan tersebut, yakni: approaches:
1. Memberikan kesempatan kepada talenta terbaik di 1. Providing opportunities to the best talents within
internal Bank untuk mengisi posisi yang dibutuhkan the internal Bank through promotion or job rotation
melalui proses promosi atau mutasi jabatan; processes; and
2. Melaksanakan rekrutmen eksternal melalui perekrutan 2. Conducting external recruitment through hiring fresh
fresh graduate dan pro-hire, baik di tingkat pelaksana graduates and pro-hires, both at the executive and
maupun pimpinan. managerial levels.
Bank memastikan bahwa kedua proses tersebut dilakukan The Bank ensures that both processes are carried out fairly
secara adil dan transparan, sehingga hanya kandidat terbaik and transparently, so that only the best candidates are
yang terpilih menjadi bagian dari perusahaan. Untuk tahun selected to be part of the Company. The following are the
2024, strategi pemenuhan SDM yang direalisasikan oleh HR fulfillment strategy the Bank executed in 2024:
Bank adalah:
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1. Mengoptimalkan sumber pencarian (sourcing) kandidat 1. Optimizing candidate sourcing channels through the
baik menggunakan situs web pencari kerja (LinkedIn use of job search websites (LinkedIn and JobStreet),
dan JobStreet), head hunter, job fair, campus hiring, headhunters, job fairs, campus hiring, employee referrals,
employee, referral dan kerja sama dengan universitas. and partnerships with universities.
2. Memperkuat employer branding secara eksternal 2. Strengthening external employer branding by becoming
dengan lebih aktif di media sosial, seperti Instagram more active on social media platforms, such as the newly
pada account baru life@banksinarmas dan LinkedIn, launched Instagram account life@banksinarmas and
dengan memberikan konten-konten yang mendidik LinkedIn, by providing educational content that guides
dan mengarahkan para fresh graduate dalam mencari fresh graduates in finding careers aligned with their
pekerjaan yang sesuai dengan passion-nya. passions.
3. Merekrut Development Program untuk pemenuhan 3. Recruiting through the Development Program to fulfill
dan menyiapkan talenta-talenta yang mumpuni di and prepare highly capable talents in the field of sales,
bidang sales sehingga menghasilkan tenaga sales thereby cultivating proficient sales personnel to fill future
yang kompeten untuk mengisi posisi-posisi pimpinan di leadership positions at branch offices.
cabang ke depannya.
176 4. Melakukan kerja sama dengan universitas terkemuka
melalui program internship di Bank, terutama di bidang
4. Establishing collaborations with leading universities
through internship programs at the Bank, particularly
Ikhtisar Kinerja
information technology (IT), dan Sales & Marketing in the fields of Information Technology (IT) and Sales &
2024 selaras dengan strategi Bank ke depan. Marketing, in line with the Bank’s future strategies.
5. Aktif melakukan kerja sama webinar dengan universitas 5. Actively conducting webinars in collaboration with
Laporan atau pihak ketiga lainnya dalam sebuah event universities or third-party institutions as part of recruitment
Manajemen recruitment. events.
6. Terus melakukan perbaikan berkelanjutan dalam proses 6. Continuously improving the recruitment process to
Profil recruitment sehingga membantu optimalisasi dalam optimize the hiring of new employees.
Perusahaan
penerimaan karyawan baru.
7. Melakukan kerja sama dengan sekolah didik vokasi/ 7. Partnering with vocational schools/vocational high
Analisis dan
Pembahasan sekolah menengah kejuruan (SMK) yang memiliki schools (SMK) offering specialized majors to implement
Manajemen penjurusan spesifik, sehingga bisa melakukan program internship programs that support operational units.
internship yang membantu unit kerja.
TINJAUAN 8. Mempromosikan career path secara internal dengan 8. Promoting internal career paths by providing information
PENDUKUNG
BISNIS
penginformasian internal job vacancy yang dapat diakses on internal job vacancies accessible to all employees,
oleh seluruh karyawan dengan memberikan kesempatan giving priority to internal candidates while assessing their
Tata Kelola pertama kepada karyawan dan melihat kompetensi yang competencies for the available positions.
Perusahaan dimiliki dengan melamar posisi vacant tersebut.
9. Membuka peluang internship bagi disabilitas untuk 9. Opening internship opportunities for individuals
Laporan belajar bekerja di beberapa unit kerja dengan program with disabilities through the “Inclusivity for Creative
Keberlanjutan inclusivity for creative professional. Professionals” program, allowing them to gain work
experience in various units.
10. Berpartisipasi dalam berbagai event dan kompetisi untuk 10. Participating in various events and competitions to
memperkuat branding dan juga menambah perluasan strengthen the Bank’s branding while expanding
sourcing dalam pencarian kandidat ke seluruh kota. sourcing channels to attract candidates from cities
across the country.
Pengembangan Struktur Organisasi Organizational Structure Development
Seiring dengan perkembangan bisnis Bank yang semakin In line with the Bank’s growing business and its commitment
bertumbuh dan dengan semangat untuk selalu memberikan to consistently delivering the best products and services
berbagai produk dan layanan yang terbaik bagi nasabah, to customers, the Bank continuously pursues sustainable
Bank senantiasa melakukan perbaikan yang berkelanjutan improvements and innovations across all aspects of its
dan inovasi yang diperlukan dalam menjalankan setiap operations.
aspek bisnisnya.
Melanjutkan inisiatif strategis Bank yang terkait pemisahan Continuing the Bank’s strategic initiative related to the spin-
(spin off) Unit Usaha Syariah menjadi Bank Nano Syariah, off of the Sharia Business Unit into Bank Nano Syariah, and
Bank memastikan kelancaran proses operasional perbankan ensuring smooth operation of banking activities during the
selama masa sustainability dengan melakukan beberapa sustainability period by making several adjustments to its
penyesuaian struktur organisasi dan peran/jabatan sejalan organizational structure and roles/positions in line with the
dengan strategi yang ditentukan. defined strategy.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 179
Bank senantiasa melakukan penyesuaian dan The Bank consistently undertakes the necessary adjustments
pengembangan yang dibutuhkan pada struktur organisasi and development of its organizational structure to ensure
untuk memastikan fungsi dan proses yang ada di Bank that all functions and processes remain aligned with the
selaras dengan strategi dan prioritas bisnis Bank. Bank’s overall business strategies and priorities.
Tata Kelola Kebijakan dan Prosedur HCM HCM Policy and Procedure Governance
Sebagai bagian dari upaya dalam penerapan prinsip-prinsip tata As part of the Bank’s efforts to implement Good Corporate
kelola perusahaan yang baik (Good Corporate Governance/ Governance (GCG) principles, each employee must
GCG), setiap karyawan harus mengetahui sekaligus memahami understand and comprehend the contents of the applicable
segala ketentuan yang berlaku di Bank Sinarmas. Oleh karena regulations. As a result, the Bank regularly updates the Code
itu, Bank senantiasa melakukan penyegaran (refreshment) Kode of Ethics and Code of Conduct, as well as the Company
Etik dan Pedoman Tingkah Laku, serta Peraturan Perusahaan Regulations (CR), via e-learning platforms.
(PP) secara berkala melalui platform e-learning.
Kebijakan Know Your Employee diwujudkan melalui The Know Your Employee policy is realized through a series
serangkaian prosedur komprehensif, mulai dari proses
rekrutmen yang melibatkan verifikasi latar belakang
of comprehensive procedures, starting from the recruitment
process that involves thorough background verification,
177
menyeluruh, pelatihan berkala tentang etika dan kepatuhan, periodic training on ethics and compliance, to the
2024
hingga implementasi sistem pemantauan perilaku karyawan. implementation of an employee behavior monitoring system. Performance
Selain itu, mekanisme pelaporan pelanggaran yang aman In addition, a secure and independent whistleblowing Highlights
dan independen menjadi bagian tak terpisahkan untuk mechanism is an integral part of ensuring compliance and
memastikan kepatuhan dan memitigasi risiko internal, mitigating internal risks, thereby maintaining the bank’s Management
sehingga menjaga stabilitas dan reputasi bank di mata stability and reputation in the eyes of customers and Report
nasabah dan regulator. regulators.
Company
Penyesuaian etika dan regulasi di Bank tersebut sebagai The Bank’s adjustment of ethics and regulations represents Profile
upaya menjaga relevansi, kepatuhan, dan kesesuaian an effort to maintain its relevance, compliance, and conformity
Bank dengan norma-norma hukum dan standar industri with applicable legal norms and industry standards. Updates
Management
yang berlaku. Pembaruan tersebut juga dilakukan dengan are made based on the Bank’s vision, mission, and noble Discussion and
mempertimbangkan keselarasan dengan Visi, Misi, serta values. Analysis
Nilai-nilai Luhur Bank.
BUSINESS
Di sisi lain, Bank juga berupaya meningkatkan kualitas On the other hand, the Bank seeks to continuously SUPPORT
pengelolaan SDM secara terus-menerus agar sejalan dengan improve the quality of HR management in order to remain OVERVIEW
ketentuan dari regulator. Termasuk dalam kegiatan ini, antara in compliance with the regulator’s provisions. Among these
lain kajian ulang dalam pengelolaan penerapan sanksi bagi activities is a review of the management of the imposition of Corporate
karyawan yang melakukan pelanggaran sesuai dengan sanctions for employees proven to have violated Law No. Governance
Undang-Undang No. 11 tahun 2020 tentang Cipta Kerja 11 of 2020 concerning Job Creation in terms of disciplinary
berkenaan sanksi indisipliner, yaitu sanksi pertama dan terakhir sanctions, specifically the first and last sanctions for Sustainability
bagi karyawan yang melakukan jenis pelanggaran tertentu. employees who commit certain types of violations. Report
Pelatihan dan Pengembangan Training and Development
Kebijakan Policy
Setiap insan Bank Sinarmas memiliki kesempatan yang Every individual at Bank Sinarmas has equal opportunities to
sama dalam kesempatan mengikuti program pelatihan participate in training and development programs. However,
dan pengembangan. Meskipun demikian, pelaksanaannya the implementation is always adjusted to the needs and
senantiasa disesuaikan dengan kebutuhan dan kompetensi competencies of employees at every level of the organization
karyawan di setiap tingkatan organisasi, dengan tetap with due consideration of macroeconomic/business issues
memperhatikan isu yang relevan, baik di bidang ekonomi and the internal conditions of the Bank.
maupun industri serta kondisi internal Bank.
Adapun jenis program pelatihan dan pengembangan yang The types of training and development programs organized
diselenggarakan Bank, antara lain: by the Bank include:
1. Mandatory Training dalam Pemenuhan Kompetensi 1. Mandatory Training in fulfilling Risk Management
Manajemen Risiko, Tresuri, Audit, Sistem Pembayaran Competence, Treasury, Audit, and Payment Systems and
dan Pengelolaan Uang Rupiah (SPPUR), serta sertifikasi Rupiah Currency Management (SPPUR), as well as other
wajib lainnya; mandatory certifications;
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 180
2. Fulfillment Program melalui Management Development 2. Fulfillment Program through Management Development
Program (MDP) dan Information Technology (IT) Graduate Program (MDP) and Information Technology (IT) Graduate
Camp dan Data Freshman Camp; Camp and Data Freshman Camp;
3. Skills Development area Sales dilaksanakan bagi para 3. Skills Development in Sales area is implemented for
Frontliners (Customer Service & Sales Officer dan Teller) Frontliners (Customer Service & Sales Officer and Teller)
untuk meningkatkan skills dalam melakukan cross selling to enhance skills in cross-selling products through
produk melalui program Sales Onboarding & Close Every Sales Onboarding & Close Every Deals program.
Deals. Selain itu, peningkatan keahlian untuk talenta di Additionally, skills enhancement for talents in IT sector
bidang IT juga dilaksanakan melalui program pelatihan is also conducted through training programs supporting
yang mendukung transformasi teknologi informasi (TI) information technology (IT) and digital transformation,
dan digital, khususnya di area tata kelola IT, product especially in areas of IT governance, product
management, IT risk management, dan perlindungan management, IT risk management, and personal data
data pribadi. protection.
Seiring dengan kemajuan teknologi, program pelatihan In line with technology advancement, training and
178 dan pengembangan dilaksanakan secara digital melalui
e-learning, baik menggunakan platform internal maupun
development programs at Bank Sinarmas are conducted
digitally through e-learning, using both internal and external
Ikhtisar Kinerja
eksternal. Oleh karena itu, Bank senantiasa menciptakan platforms. Therefore, the Bank consistently creates unique
2024 konten yang unik dalam bentuk video pembelajaran atau content in the form of instructional videos or interactive
materi interaktif. materials.
Laporan
Manajemen Kendati demikian, pelatihan dan pengembangan secara tatap Nevertheless, face-to-face training and development are
muka tetap dilakukan melalui kerja sama dengan institusi still carried out through collaboration with educational
Profil pendidikan, terutama dalam pelatihan yang mendukung institutions, especially in training that supports government
Perusahaan
program pemerintah untuk memenuhi kebutuhan industri. programs to meet industry needs, with a focus on material
Fokus materi pelatihan, yakni persiapan external sourcing preparation for the Bank’s external sourcing.
Analisis dan
Pembahasan Bank.
Manajemen
Informasi terkait program pelatihan dan pengembangan Information on training and development programs attended
TINJAUAN yang diikuti karyawan Bank dalam 3 (tiga) tahun terakhir by the Bank’s employees in the last 3 years is disclosed as
PENDUKUNG
BISNIS
diungkapkan sebagai berikut. follows.
Tata Kelola
Realisasi
Perusahaan Realization
2024 2023 2022
Laporan Nama Program Jumlah Program Jumlah Peserta Jumlah Program Jumlah Peserta Jumlah Program Jumlah Peserta
Keberlanjutan Program Name Total Total Total Total Total Total
Programs Participants Programs Participants Programs Participants
Mandatory 51 1.900 133 2.334 145 1.741
Technical Skills 1.987 71.158 3.675 63.483 2.327 17.559
Soft Skills 190 2.438 260 1.801 478 4.873
Motivational 55 5.890 69 3.311 99 4.304
Knowledge Sharing 2.140 72.940 4.290 92.417 8.434 135.499
Others 2 16 76 391 108 1.202
Uraian Satuan
2024 2023 2022
Description Unit
Jam Pelatihan Jam
445.707,52 406.645,51 374.606,76
Training Hours Hour
Jam Pelatihan per Karyawan
Jam/Orang
Training Hours per 91,48 76,78 73,58
Hour/person
Employee
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 181
Pelatihan dan pengembangan karyawan berdasarkan Employee training and development based on position level
level jabatan dan program pelatihan selama tahun 2024 and training programs for 2024 are shown as follows.
ditunjukkan sebagai berikut.
Pelatihan dan Pengembangan
Program Pelatihan Training and Development
Training Program
TM MM FM S Total %
Mandatory 79 845 681 295 1.900 1,23%
Technical Skills 519 13.757 23.636 33.246 71.158 46,10%
Soft Skills 45 589 915 889 2.438 1,58%
Motivational 60 1.019 1.989 2.822 5.890 3,82%
Knowledge Sharing 206 8.027 25.961 38.746 72.940 47,26%
Others 0 6 3 7 16 0,01%
Total 909 24.243 53.185 76.005 154.342 100% 179
Keterangan : | Remark:
TM : Top Management
2024
MM : Middle Management
FM : Firstline Management Performance
S : Staff Highlights
Rasio biaya yang dikeluarkan Bank dalam pelaksanaan The ratio of costs incurred by the Bank in implementing Management
pelatihan dan pengembangan karyawan dibandingkan employee training and development compared to Cost of Report
dengan BTK (Biaya Tenaga Kerja) selama tahun 2024 adalah Labor during 2024 was 3.53%.
3,53%. Company
Profile
Kompensasi dan Manfaat Compensation and Benefits
Bank senantiasa berpedoman pada peraturan perundang- The Bank always refers to applicable laws and regulations
Management
undangan yang berlaku dan kebijakan lainnya dalam and other policies in providing compensation and benefits Discussion and
memberikan kompensasi dan manfaat kepada karyawan. to employees. The policy is carried out through a review Analysis
Kebijakan tersebut dilakukan melalui proses kajian yang process that takes into account the contribution of each
mempertimbangkan kontribusi setiap karyawan, tingkat employee, the competitive level in the industry, and the BUSINESS
kompetitif di industri, serta kemampuan Bank. Bank’s capabilities. SUPPORT
OVERVIEW
1. Remunerasi 1. Remuneration
Sesuai Anggaran Dasar Bank, Dewan Komisaris dan According to the Bank’s Articles of Association, the Corporate
Direksi memperoleh remunerasi berupa honorarium, Board of Commissioners and the Board of Directors Governance
tunjangan pemeliharaan kesehatan, jasa produksi, receive remuneration in the form of honorariums, health
tunjangan hari raya (THR), yang diputuskan dalam allowances, production services, and holiday allowances Sustainability
pelaksanaan Rapat Umum Pemegang Saham (RUPS) (THR), which are decided upon during the GMS in the first Report
pada semester 1 (satu) setiap tahun buku. semester of each fiscal year.
2. Implementasi Peraturan Otoritas Jasa Keuangan 2. Implementation of Financial Services Authority
Bank senantiasa memastikan bahwa implementasi Regulation No 45 The Bank always ensures that
Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2015 the implementation of Financial Services Authority
tentang Penerapan Tata Kelola dalam Pemberian Regulation No. 45/POJK.03/2015 on the Implementation
Remunerasi bagi Bank Umum telah berjalan dengan of Governance in Remuneration for Commercial Banks
baik. has been carried out effectively.
3. Penerapan Uang Kompensasi Bagi Karyawan 3. Implementation of Compensation for Contract (PKWT)
Perjanjian Kerja Waktu Tertentu (PKWT)
Sesuai Undang-Undang No. 11 tahun 2020 tentang Employees In accordance with Law No. 11 of 2020 on
Cipta Kerja dan Peraturan Pemerintah No. 35 tahun Job Creation and Government Regulation No. 35 of 2021
2021 tentang Perjanjian Kerja Waktu Tertentu, Alih on Work Agreements for Specific Time, Outsourcing,
Daya, Waktu Kerja dan Waktu Istirahat, dan Pemutusan Working Time and Rest Time, and Termination, the Bank
Hubungan Kerja, Bank memberikan uang kompensasi compensates each employee whose Contract (PKWT)
kepada setiap karyawan yang masa PKWT-nya telah agreement has expired or whose employment period
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 182
berakhir atau masa kerja telah selesai. Adapun besaran has ended. The compensation amount is adjusted in
uang kompensasi yang diberikan, disesuaikan dengan accordance with the Bank’s policies.
kebijakan yang berlaku di Bank.
Pengembangan Model Kualifikasi dan Pemetaan Development of a Qualification Model and
Talenta Talent Mapping
Bank telah menerapkan model kualifikasi sejak tahun 2018 The Bank has been implementing a qualification model
dan senantiasa mengembangkan berbagai proses termasuk since 2018 and continuously developing various processes
pemetaan talenta agar setiap tahapan evaluasi karyawan including talent mapping, so that every stage of employee
mengacu kepada aspek-aspek yang telah disusun. Hasil dari evaluation refers to the aspects that have been outlined.
assessment menjadi salah satu sumber dalam menentukan The assessment results become one of the sources in
kebutuhan pengembangan yang tepat sasaran. determining targeted development needs.
Pada tahun 2024, terdapat 5.555 kandidat telah In 2024, as many as 5,555 candidates completed online
menyelesaikan online assessment untuk kebutuhan assessments for selection, promotion, and evaluation
180 seleksi, promosi maupun evaluasi di jabatan yang dituju.
Bank juga secara bertahap telah menerapkan proses baru
needs in their respective positions. The Bank also gradually
implemented new processes in talent mapping, using
Ikhtisar Kinerja
dalam pemetaan talenta, dengan menggunakan parameter different parameters and tools aiming to develop an
2024 dan tools yang berbeda dengan tujuan mengembangkan integrated talent management.
pengelolaan talenta yang terintegrasi.
Laporan
Manajemen Manajemen Karier Career Management
Sistem manajemen karier yang lebih komprehensif The Bank prepares a more comprehensive career
Profil telah disiapkan Bank dengan memperhatikan sistem management system by considering competency-based HR
Perusahaan
pengembangan SDM berbasis kompetensi. Langkah ini development systems. This step is taken in order to:
dilakukan dalam rangka:
Analisis dan
Pembahasan 1. Memberi kesempatan kepada karyawan untuk 1. Provide opportunities for employees to develop their
Manajemen mengembangkan kompetensinya selaras dengan competencies in line with the position’s needs within the
kebutuhan posisi dalam Bank; Bank;
TINJAUAN 2. Memberikan acuan bagi pergerakan karier karyawan 2. Provide guidance for employees’ career progression
PENDUKUNG
BISNIS
sesuai potensinya, sehingga karyawan dapat according to their potential, allowing employees to
menentukan arah kariernya; serta determine their career path; and
Tata Kelola 3. Mendukung engagement karyawan yang dapat 3. Support employee engagement, which can lead to
Perusahaan mendorong peningkatan produktivitas dan kontribusi increased productivity and contribution to the Bank.
bagi Bank.
Laporan
Keberlanjutan Internalisasi Budaya Kerja Internalization of Work Culture
Bank melakukan berbagai upaya dalam menginternalisasikan The Bank undertakes various efforts to internalize culture
budaya dan etos kerja kepada setiap karyawan. Di antara and work ethics among every employee, including:
realisasinya adalah:
1. Menjadi salah satu komponen dalam sesi induction 1. Become one of the components in induction sessions for
bagi karyawan baru, melalui penyampaian materi yang new employees, through delivery of materials explaining
menjelaskan mengenai Corporate Profile, yang meliputi Corporate Profile, which includes the Bank’s vision and
visi dan misi Bank, objektif jangka panjang, etos kerja, mission, long-term objectives, work ethos, motto, and
moto, dan corporate value; corporate values;
2. Ketersediaan material berisi corporate values, etos kerja, 2. Availability of materials containing corporate values,
kode etik, dan pedoman tingkah laku dalam Aplikasi work ethics, code of ethics, and guidelines for behavior
E-Learning yang dapat diakses oleh setiap karyawan; in E-Learning Application accessible to every employee;
dan and
3. Menyanyikan Himne Sinar Mas Terang dan pembacaan 3. Singing the ‘Sinar Mas Terang’ Anthem and reading Sinar
Nilai Luhur Sinar Mas secara bersama-sama setiap Mas Core Values together at the beginning of training
memulai kegiatan pelatihan. activities.
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Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 183
Hubungan Kepegawaian Employment Relations
Bank berkomitmen untuk menjaga hubungan baik dengan The Bank is committed to maintaining good relationships
seluruh karyawan, yang dilakukan melalui berbagai kegiatan with all employees through various engagement activities
sebagai berikut: aimed at:
1. Menumbuhkan dan menciptakan harmonisasi antara 1. Fostering and promoting work-life harmony by organizing
pekerjaan dan kehidupan pribadi (work life harmony) engagement initiatives, such as service awards, giving
melalui penyelenggaraan kegiatan engagement birthday gifts, and other activities, while also supporting
(penghargaan masa kerja, pemberian hadiah ulang employee community programs in areas such as sports,
tahun, dan lainnya) serta mendukung kegiatan-kegiatan arts, and more.
komunitas karyawan (olahraga, seni, dan lainnya);
2. Terus mendorong kegiatan Internalisasi Six Values Sinar 2. Continue promoting the internalization of the Sinar Mas
Mas antara lain melalui penyelenggaraan Most Valuable Six Values by holding activities such as the Most Valuable
Employee Awards (MVEA) yang dapat memperkuat Employee Awards (MVEA), which aimed at strengthening
fondasi karyawan terhadap values Bank dalam employees’ alignment with the Bank’s core values in
penerapannya pada aktivitas pekerjaan sehari-hari; their daily work practices.
3. Mempersiapkan dan memberikan pembekalan karyawan
dalam memasuki usia pensiun sehingga pasca pensiun
3. Preparing and equipping employees as they approach
retirement, ensuring they are mentally and spiritually
181
karyawan siap secara mental dan spiritual; serta ready to transition into post-retirement life; and
2024
4. Menyusun Employee Value Proposition (EVP) yaitu suatu 4. Developing the Employee Value Proposition (EVP), a Performance
program untuk menjual nilai dan manfaat bagi karyawan program designed to communicate the values and benefits Highlights
dan kandidat dalam hal company branding, tujuan kerja, for employees and candidates in terms of company
kesejahteraan, rasa memiliki, perkembangan karir, dan branding, work objectives, welfare, sense of belonging, Management
kompensasi termasuk mengkampanyekan berbagai career development, and compensation, including Report
kegiatan engagement, relawan dan komunitas karyawan promoting various engagement activities, volunteer
dalam media sosial. programs, and employee communities on social media. Company
Profile
Layanan Kepegawaian Employment Service Management
Bank Sinarmas menyediakan layanan kepegawaian To ensure the comfort and productivity of all employees, Discussion and
melalui HCM Care demi menjaga kenyamanan kerja dan Bank Sinarmas offers employment services through HCM Analysis
produktivitas seluruh karyawan. Layanan yang dikelola oleh Care. HCM’s managed services are constantly improved to
HCM tersebut senantiasa ditingkatkan untuk mempercepat improve response time and Service Level Agreement (SLA) BUSINESS
response time dan Service Level Agreement (SLA) dalam in each managed service area. SUPPORT
setiap bidang pelayanan yang dikelola. OVERVIEW
HCM Care juga melakukan evaluasi dan tindak lanjut In addition, HCM Care evaluates and follows up on Corporate
pengaduan yang diterima, baik pengaduan dalam bentuk complaints, whether they are about employees, products, Governance
keluhan karyawan, produk, ataupun fasilitas yang disediakan or HCM facilities. The Bank ensures that HCM undergoes
oleh HCM. Bank memastikan HCM senantiasa melakukan continuous development in order to provide seamless and Sustainability
pengembangan berkelanjutan untuk menciptakan layanan efficient personnel services. Report
kepegawaian yang seamless dan efisien.
Selain itu, penyebaran informasi terkait proses dan prosedur Furthermore, information dissemination regarding HR
SDM terus disebarkan melalui media reguler pada portal processes and procedures is distributed through regular
internal Bank dan dalam bentuk konten video yang lebih media on the Bank’s internal portal and in the form of
menarik. Dengan demikian, karyawan dapat dengan mudah more engaging video content. Thus, employees can easily
memahami informasi yang disampaikan. understand the information conveyed.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 184
TEKNOLOGI INFORMASI
Information Technology
182
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil
Perusahaan
Analisis dan
Pembahasan
Manajemen
TINJAUAN
PENDUKUNG
BISNIS
Pengembangan teknologi informasi (TI) yang unggul The development of excellent information technology (IT)
memberikan dukungan pada Bank Sinarmas dalam provides support for Bank Sinarmas in making innovations
Tata Kelola melakukan inovasi dan pengembangan bisnis yang adaptif. and developing adaptive business models. The Bank has
Perusahaan Hal ini dilakukan sebagai upaya Bank memberikan layanan made such an effort in order to deliver the best services to
terbaik kepada nasabah dan pemangku kepentingan lainnya. customers and other stakeholders.
Laporan
Keberlanjutan Karena itu, Bank senantiasa mengembangkan TI secara
berkelanjutan, sehingga dapat memfasilitasi kinerja Bank This underlies why the Bank sustainably develops its IT in
yang lebih baik sebagai lembaga jasa keuangan. Bank juga order that it can help the Bank deliver higher performance
menyesuaikan sistem kerja dan layanan dengan dukungan as a financial services institution. The Bank also adjusts the
sarana TI agar proses kerja lebih cepat, sistematis, dan work system and services with the support of IT facilities so
saling terintegrasi. that the work process is faster, more systematic, and more
integrated.
Struktur Organisasi Pengelola Teknologi Informasi Information Technology Organizational Structure
Pengelolaan dan pengembangan TI dalam organisasi Bank The Information Technology (IT) Division is in charge of IT
Sinarmas dijalankan Group Information Technology. Divisi development and management at Bank Sinarmas. This
tersebut dipimpin oleh Group Head yang bertanggung division is led by a Group Head who reports directly to the
jawab langsung kepada Direktur Information Technology & Information Technology & Digital Experience Director.
Digital Experience.
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Information Technology & Digital
ExperienceDirector
IT Governance, Customer Facing & IT Infrastructure,
Strategy, Architecture, Technical Product Artificial Intelligence &
Internal Product Software Engineering DevOps, Operations & Business Intelligence
Planning & Information Management Decision Science
Management Product Assurance
Security
Product Management Product Management Marketing Data
IT Strategy & Program Software Development Analytics Product
(Digital Banking (Middleware & API IT Infrastructure Management & Digital
Management Office Engineering 1 Development
Product) Banking Product) Campaign Analytics
IT Governance, Risk, Change Control,
Product Management Software Development Product Management Analytics Technical
Compliance & Product DevOps & Deployment Business Intelligence
(Branch Banking) Engineering 2 (Core Banking) Development
Operations Management
Product Management Product Management Portfolio Data
Software Development IT Operations &
Enterprise Architecture (Card, Payment & (Enterprise Data & Management &
Engineering 3 Product Assurance
Transactions) Analytics) Campaign Analytics
Enterprise Data Product Management Software Development
Governance (Funding, Wealth, Engineering 4
Treasury & Corporate)
183
IT Finance & Product Management Software Quality
Budgeting (Lending Product) Engineering
Product Management
Information Security (Compliance, Risk &
Assurance Product)
2024
Performance
Highlights
Cyber Resilience Product Management
(Enterprise Product)
Management
Product Management
(Sharia Banking Report
Product)
Product Design Company
Management
Profile
Market & UX Research
Management
Discussion and
Analysis
Digital Product Owner
BUSINESS
SUPPORT
Pengembangan Tahun 2024 Development in 2024 OVERVIEW
Bank Sinarmas telah menyusun Panduan Information To optimize IT implementation, Bank Sinarmas developed
Technology Strategic Plan (ITSP) yang telah disesuaikan Information Technology Strategic Plan (ITSP) Guidelines Corporate
dengan visi Bank untuk mengoptimalkan penerapan TI. that are aligned with the bank’s vision. These guidelines Governance
Panduan tersebut memuat rencana strategis TI Bank yang contain the Bank’s strategic IT plan presented in the form of
disajikan dalam bentuk road map, dengan pencapaian a roadmap, with development milestones in 2024 as shown Sustainability
pengembangan di tahun 2024 sebagai berikut. below. Report
Pengembangan Manfaat Penerima Manfaat
No.
Development Benefits Beneficiaries
1 Implementasi Loan Otomasi proses, meningkatkan efisiensi, mengurangi risiko, dan meningkatkan 1. Bank Sinarmas
Management System keuntungan Bank. Nasabah mendapatkan layanan pinjaman yang lebih cepat, 2. Nasabah | Customers
Implementation of Loan mudah, dan personal. LMS juga membantu Bank dalam penilaian kredit yang akurat,
Management System pemantauan pinjaman secara real-time, dan kepatuhan terhadap regulasi.
Process automation, increasing efficiency, reducing risk, and increasing Bank profits.
Customers get faster, easier, and more personalized loan services. LMS also helps
the Bank in accurate credit assessment, real-time loan monitoring, and regulatory
compliance.
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Pengembangan Manfaat Penerima Manfaat
No.
Development Benefits Beneficiaries
2 Implementasi Sistem KPR Meningkatkan efisiensi operasional melalui otomatisasi proses persetujuan dan 1. Bank Sinarmas
Implementation of pengelolaan data, mengurangi risiko kredit melalui penilaian yang lebih akurat, 2. Nasabah | Customers
Mortgage System dan meningkatkan kepuasan nasabah dengan layanan yang lebih cepat. Nasabah
diuntungkan dengan kemudahan akses informasi, proses pengajuan yang
dipercepat, dan pilihan produk KPR yang lebih personal, sehingga mempermudah
kepemilikan rumah impian mereka.
Improve operational efficiency through automation of approval processes and data
management, reduce credit risk through more accurate assessments, and increase
customer satisfaction with faster service. Customers benefit from easy access to
information, accelerated application processes, and more personalized mortgage
product options, making it easier to own their dream home.
3 Implementasi Leads Peningkatan efisiensi dalam mengelola calon pelanggan, mempercepat proses 1. Bank Sinarmas
System penjualan, dan meningkatkan konversi melalui pelacakan dan analisis data 2. Nasabah New to Bank
Leads System leads yang terpusat. Nasabah New to Bank merasakan pengalaman yang lebih New to Bank
Implementation personal dan responsif, mendapatkan informasi yang relevan dengan cepat, dan Customers
alur komunikasi yang lebih lancar, yang mempermudah mereka dalam mengambil
keputusan pembelian.
Increased efficiency in managing leads, accelerating the sales process, and
increasing conversions through centralized lead data tracking and analysis. New
184 to Bank customers experience a more personalized and responsive experience,
receive relevant information quickly, and have a smoother communication flow,
making it easier for them to make purchasing decisions.
Ikhtisar Kinerja
2024 4 Implementasi Reward Meningkatkan loyalitas pelanggan, mendorong pembelian berulang, dan 1. Bank Sinarmas
Point mendapatkan data pelanggan yang berharga untuk pemasaran yang lebih efektif. 2. Nasabah | Customers
Reward Point Nasabah memperoleh nilai tambah dari setiap pembelian melalui akumulasi poin
Laporan Implementation yang dapat ditukar dengan berbagai hadiah atau diskon, menciptakan pengalaman
Manajemen berbelanja yang lebih memuaskan.
Increase customer loyalty, encourage repeat purchases, and gain valuable customer
data for more effective marketing. Customers gain added value from every purchase
Profil through accumulated points that can be exchanged for various gifts or discounts,
Perusahaan creating a more satisfying shopping experience.
5 Implementasi UR (Unified Mengurangi duplikasi data, meningkatkan efisiensi operasional, dan memberikan 1. Bank Sinarmas
Analisis dan Registration) visibilitas pelanggan yang lebih baik. Konsumen diuntungkan dengan proses 2. Nasabah | Customers
Pembahasan Implementation of UR pendaftaran yang lebih cepat dan mudah, pengalaman pengguna yang lebih
Manajemen (Unified Registration) personal, dan kontrol yang lebih besar atas data pribadi mereka.
Reduce data duplication, increase operational efficiency, and provide better
customer visibility. Consumers benefit from faster and easier sign-up processes, a
TINJAUAN more personalized user experience, and greater control over their personal data.
PENDUKUNG
6 Implementasi Efisiensi operasional melalui integrasi sistem yang lebih lancar, peningkatan stabilitas 1. Bank Sinarmas
BISNIS Peningkatan Sistem dan skalabilitas aplikasi, serta pengurangan risiko kegagalan sistem. Pengguna akhir 2. End User
Middleware diuntungkan dengan pengalaman yang lebih cepat dan responsif, akses data yang
Tata Kelola Middleware System lebih andal, serta peningkatan kualitas layanan secara keseluruhan.
Enhancement Operational efficiency through smoother system integration, improved application
Perusahaan
Implementation stability and scalability, and reduced risk of system failure. End users benefit from
faster and more responsive experiences, more reliable data access, and improved
Laporan overall service quality.
Keberlanjutan 7 Implementasi Mendapatkan wawasan mendalam melalui analisis data yang komprehensif, 1. Bank Sinarmas
Peningkatan sistem Big memungkinkan pengambilan keputusan berbasis data yang lebih akurat,
Data personalisasi layanan pelanggan, dan identifikasi tren pasar secara cepat.
Implementation of Gain deep insights through comprehensive data analysis, enabling more accurate
Big Data System data-driven decision making, personalization of customer service, and rapid
Improvement identification of market trends.
8 Implementasi Meningkatkan pendapatan dari biaya transaksi dan bunga, memperluas jangkauan 1. Bank Sinarmas
Pengembangan Sistem layanan, serta meningkatkan loyalitas nasabah. Bagi nasabah, memberikan 2. Nasabah | Customers
Kartu Kredit kemudahan transaksi, fleksibilitas pembayaran, manfaat tambahan seperti poin
Implementation of reward dan cashback, serta perlindungan dalam bertransaksi.
Credit Card System Increase revenue from transaction fees and interest, expand service coverage, and
Development increase customer loyalty. For customers, provide ease of transactions, payment
flexibility, additional benefits such as reward points and cashback, and protection
in transactions.
9 Implementasi Meningkatkan efisiensi operasional, memperluas jangkauan layanan, serta 1. Bank Sinarmas
Pengembangan mengumpulkan data pelanggan untuk personalisasi layanan. Bagi nasabah, 2. Nasabah | Customers
Sistem Mobile Banking memberikan kemudahan transaksi perbankan kapan saja dan di mana saja, akses
“Simobi+” informasi rekening secara real-time, serta pengalaman pengguna yang lebih praktis
Implementation of dan aman.
Mobile Banking System Improve operational efficiency, expand service coverage, and collect customer data
Development “Simobi+” for service personalization. For customers, providing easy banking transactions
anytime and anywhere, real-time account information access, and a more practical
and secure user experience.
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Pengembangan Manfaat Penerima Manfaat
No.
Development Benefits Beneficiaries
10 Implementasi API dengan API memfasilitasi integrasi yang mulus dengan ekosistem partner, memperluas 1. Bank Sinarmas
berbagai partner jangkauan layanan, meningkatkan efisiensi operasional, dan mendorong inovasi 2. End User
API implementation with melalui kolaborasi. End user merasakan kemudahan akses ke berbagai layanan
various partners terintegrasi, pengalaman yang lebih personal, dan inovasi produk yang lebih cepat,
menciptakan ekosistem yang saling menguntungkan.
APIs facilitate seamless integration with partner ecosystems, expand service reach,
improve operational efficiency, and drive innovation through collaboration. End users
experience easy access to integrated services, more personalized experiences, and
faster product innovation, creating a mutually beneficial ecosystem.
11 Implementasi Bagi bank, sistem ini meningkatkan efisiensi transaksi, mengurangi biaya operasional, 1. Bank Sinarmas
Pengembangan Sistem dan memperluas jangkauan layanan. Bagi merchant, memfasilitasi penerimaan 2. Merchant
Switching/Sistem Kartu pembayaran non-tunai yang lebih cepat dan aman, meningkatkan potensi penjualan, 3. Nasabah | Customers
Debit dan mengurangi risiko penanganan uang tunai. Bagi nasabah, memberikan
Implementation of kemudahan dan kenyamanan dalam bertransaksi, aksesibilitas dana yang lebih luas,
Switching System serta keamanan dalam bertransaksi secara elektronik.
Development/Debit Card For banks, this system increases transaction efficiency, reduces operational costs,
System and expands service coverage. For merchants, it facilitates faster and safer non-cash
payment acceptance, increases sales potential, and reduces the risk of handling
cash. For customers, it provides ease and convenience in transactions, wider
accessibility of funds, and security in electronic transactions. 185
12 Implementasi Sistem Untuk bank induk, memfasilitasi transisi yang mulus, menjaga kepatuhan syariah, 1. Bank Sinarmas
Pendukung Spin Off dan meminimalkan risiko operasional. Unit syariah yang baru mandiri mendapatkan 2. Bank Nano Syariah
2024
Sharia infrastruktur IT yang siap pakai, memungkinkan fokus pada pertumbuhan bisnis 3. Nasabah | Customers
Performance
Implementation of Sharia dan layanan syariah. Nasabah merasakan kelangsungan layanan tanpa gangguan,
Spin Off Support System kepastian kepatuhan prinsip syariah, serta potensi pengembangan produk dan
Highlights
layanan syariah yang lebih inovatif.
For the parent bank, facilitating a smooth transition, maintaining sharia compliance,
and minimizing operational risks. The newly independent sharia unit receives ready- Management
to-use IT infrastructure, allowing it to focus on business growth and sharia services. Report
Customers experience uninterrupted service continuity, certainty of compliance with
sharia principles, and the potential for developing more innovative sharia products
and services. Company
13 Implementasi Sistem Bagi bank, meningkatkan efisiensi operasional, memperluas jangkauan layanan, 1. Bank Sinarmas Profile
Internet Banking serta mengumpulkan data transaksi untuk analisis bisnis. Bagi nasabah korporasi, 2. Nasabah Korporat
Corporate memberikan kemudahan pengelolaan keuangan secara real-time, fleksibilitas Corporate customers
Implementation of transaksi tanpa batas waktu dan lokasi, serta meningkatkan kontrol dan visibilitas Management
Corporate Internet atas arus kas perusahaan. Discussion and
Banking System For banks, it improves operational efficiency, expands service coverage, and collects Analysis
transaction data for business analysis. For corporate customers, it provides real-time
financial management convenience, transaction flexibility without time and location
limitations, and improves control and visibility over the company’s cash flow.
BUSINESS
14 Implementasi Contact Bank mendapatkan pengelolaan interaksi pelanggan yang terpusat dan terukur, 1. Bank Sinarmas SUPPORT
Centre & Communication pengurangan biaya operasional, serta peningkatan data analisis untuk strategi 2. Nasabah | Customers OVERVIEW
Platform layanan yang lebih baik. Nasabah diuntungkan dengan kemudahan akses layanan,
Implementation of respons yang lebih cepat, pengalaman komunikasi yang personal, dan penyelesaian
Contact Center & masalah yang lebih efektif melalui berbagai saluran komunikasi. Corporate
Communication Platform Banks gain centralized and scalable customer interaction management, reduced
Governance
operational costs, and increased data analytics for better service strategies.
Customers benefit from easy access to services, faster responses, personalized
communication experiences, and more effective problem resolution through multiple
communication channels. Sustainability
Report
15 Implementasi Anti Fraud Bagi bank, sistem ini mengurangi kerugian finansial akibat fraud, menjaga reputasi, 1. Bank Sinarmas
System - Phase 2 kepatuhan terhadap regulasi, meningkatkan efisiensi operasional melalui deteksi 2. Nasabah | Customers
Anti Fraud System dini dan pencegahan yang lebih canggih. Bagi nasabah, memberikan rasa aman
Implementation - Phase 2 dalam bertransaksi, melindungi data pribadi, dan mengurangi risiko menjadi korban
penipuan.
For banks, this system reduces financial losses due to fraud, maintains reputation,
regulatory compliance, increases operational efficiency through early detection
and more sophisticated prevention. For customers, it provides a sense of security
in transactions, protects personal data, and reduces the risk of becoming a victim
of fraud.
16 Implementasi Bagi bank, meningkatkan efisiensi transaksi antar bank, mengurangi biaya 1. Bank Sinarmas
Pengembangan Sistem operasional, dan memperluas jangkauan layanan pembayaran digital. Bagi nasabah, 2. Nasabah | Customers
BI-FAST memberikan kemudahan transaksi real-time 24/7 dengan biaya yang lebih murah, 3. Regulator | Regulators
BI-FAST System serta meningkatkan keamanan dan kenyamanan dalam bertransaksi. Bagi regulator,
Development mendukung digitalisasi sistem pembayaran, mendorong inklusi keuangan, dan
Implementation mempercepat perputaran ekonomi.
For banks, increasing the efficiency of interbank transactions, reducing operational
costs, and expanding the reach of digital payment services. For customers, providing
convenience of 24/7 real-time transactions at lower costs, and increasing security and
convenience in transactions. For regulators, supporting the digitalization of payment
systems, encouraging financial inclusion, and accelerating economic turnover.
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Pengembangan Manfaat Penerima Manfaat
No.
Development Benefits Beneficiaries
17 Implementasi sistem Bagi bank, sistem QRIS dapat meningkatkan jumlah merchant yang akan bekerja 1. Bank Sinarmas
QRIS sama dengan bank dan meningkatkan jumlah pendapatan. Bagi merchant, QRIS 2. Nasabah | Customers
Implementation of QRIS memudahkan penerimaan pembayaran non-tunai, meningkatkan efisiensi transaksi, 3. Merchant
system dan memperluas jangkauan pasar. Bagi konsumen, QRIS memberikan kemudahan
dan keamanan dalam bertransaksi, aksesibilitas dana yang lebih luas, dan
kenyamanan bertransaksi tanpa perlu membawa uang tunai.
For banks, the QRIS system can increase the number of merchants who will cooperate
with the bank and increase the amount of income. For merchants, QRIS facilitates the
acceptance of non-cash payments, increases transaction efficiency, and expands
market reach. For consumers, QRIS provides ease and security in transactions, wider
accessibility of funds, and the convenience of transactions without having to carry cash.
18 Implementasi Mutual Bagi bank, memperluas penawaran produk investasi, meningkatkan pendapatan non- 1. Bank Sinarmas
Fund di channel bunga, serta memperkuat retensi nasabah melalui kemudahan akses investasi reksa 2. Nasabah | Customers
elektronik/digital dana. Bagi nasabah, memperoleh kemudahan dan fleksibilitas dalam berinvestasi,
Implementation of Mutual akses informasi produk yang lebih transparan, serta peluang diversifikasi portofolio
Fund in electronic/digital investasi melalui platform perbankan digital.
channels For banks, expanding investment product offerings, increasing non-interest
income, and strengthening customer retention through easy access to mutual fund
investments. For customers, gaining ease and flexibility in investing, access to
186 more transparent product information, and opportunities for diversifying investment
portfolios through digital banking platforms.
Ikhtisar Kinerja 19 Implementasi NFC Bagi bank, NFC mengurangi biaya operasional terkait penanganan uang tunai, 1. Bank Sinarmas
2024 Mobile Payment mempercepat waktu transaksi, serta meningkatkan keamanan dengan mengurangi 2. Nasabah | Customers
Implementation of NFC risiko penipuan. Nasabah menikmati kemudahan pembayaran yang cepat, praktis,
Mobile Payment dan aman hanya dengan mendekatkan smartphone, serta meningkatkan pengalaman
Laporan bertransaksi tanpa perlu membawa uang tunai atau kartu fisik.
Manajemen For banks, NFC reduces operational costs associated with handling cash, speeds
up transaction times, and increases security by reducing the risk of fraud. Customers
enjoy the convenience of fast, practical, and secure payments simply by bringing
Profil their smartphones close, and enhances the transaction experience without the need
Perusahaan to carry cash or physical cards.
20 Implementasi Sistem Bagi bank, sistem ini meningkatkan efisiensi pengembangan proyek, mengurangi risiko 1. Bank Sinarmas
Analisis dan Pengelolaan Proyek keterlambatan dan biaya berlebih, serta memastikan proyek TI selaras dengan strategi 2. Nasabah | Customers
Pembahasan Pengembangan TI bisnis bank, sehingga menghasilkan produk dan layanan yang lebih inovatif dan
Manajemen Implementation of IT responsif. Nasabah diuntungkan dengan layanan perbankan digital yang lebih andal,
Development Project aman, dan inovatif, serta peningkatan pengalaman pengguna secara keseluruhan.
Management System For banks, the system improves project development efficiency, reduces the risk
TINJAUAN of delays and cost overruns, and ensures IT projects are aligned with the bank’s
PENDUKUNG business strategy, resulting in more innovative and responsive products and services.
BISNIS Customers benefit from more reliable, secure and innovative digital banking services,
as well as an improved overall user experience.
Tata Kelola
Perusahaan Investasi TI IT Investment
Pada tahun 2024 investasi IT dialokasikan untuk kebutuhan In 2024, IT investment is allocated for hardware and software
Laporan hardware maupun software yang dapat mendukung needs that can support the development of the Bank’s
Keberlanjutan pengembangan sistem aplikasi Bank, peremajaan perangkat application system, IT device rejuvenation, increasing IT
IT, peningkatan kapasitas infrastruktur IT, serta pemeliharaan infrastructure capacity, and IT infrastructure maintenance.
infrastruktur IT.
Pengembangan Kompetensi SDM TI IT HR Competency Development
Pada tahun 2024, Bank Sinarmas telah melaksanakan In 2024, Bank Sinarmas has implemented various employee
berbagai kegiatan pengembangan kompetensi karyawan competency development activities in the IT scope through
dalam lingkup TI melalui program berikut: the following programs:
- IT Leadership Camp - IT Leadership Camp
- Google Workspace Training - Google Workspace Training
- COBIT Certification - COBIT Certification
- Sertifikasi CREST, CEH dan CHFI - CREST, CEH and CHFI Certification
- Enterprise Architecture - Enterprise Architecture
- Security Awareness - Security Awareness
- Perlindungan Data Pribadi - Personal Data Protection
- IT Binus Internship - IT Binus Internship
- E-Learning: Udemy dan MyLearning (Agile, Artificial - E-Learning: Udemy and MyLearning (Agile, Artificial
Intelligence, ISO Training for Information Security, dll.) Intelligence, ISO Training for Information Security, etc.)
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Tata Kelola TI IT Governance
Tata kelola TI diterapkan sebagai bagian dari implementasi IT governance is implemented as part of the GCG
prinsip tata kelola perusahaan yang baik agar Bank dapat implementation to allow the Bank to easily adapt and
dengan mudah beradaptasi dan responsif dalam menghadapi respond to challenges in the banking industry during the
tantangan industri perbankan di era transformasi digital. digital transformation era. The Bank consistently identifies
Bank senantiasa melakukan identifikasi terhadap risiko the major risks in the IT sector so that they can be properly
utama di bidang TI agar dapat dikelola dengan baik, yang managed, and the progress of these risks is reported to the
perkembangannya dilaporkan pada Direksi. Board of Directors.
Tata kelola tersebut, antara lain mencakup: This governance includes, among other things:
1. Infrastruktur TI 1. IT Infrastructure
Bank Sinarmas meningkatkan kemampuan infrastruktur Bank Sinarmas continuously improves its infrastructure
dan pengamanan TI secara berkelanjutan sebagai and IT security capabilities in order to address
mitigasi dalam menghadapi gangguan, keamanan disruptions, cyber threats, and disaster recovery through
dunia maya, dan pemulihan bencana. Upaya tersebut
dilakukan melalui langkah-langkah berikut:
the following initiatives.
187
a. Melakukan peremajaan terhadap server dan a. Refreshing servers and other IT infrastructure and
2024
infrastruktur TI lainnya serta meningkatkan kapasitas increasing capacity, both in storage systems and Performance
baik storage system ataupun perangkat pendukung supporting devices in the Data Center. Highlights
di Data Center.
b. Meningkatkan security sesuai dengan standar best b. Enhancing security in line with best practice Management
practice, meliputi infrastructure security, application standards, including infrastructure security, Report
security, endpoint security, security management, application security, endpoint security, security
dan security review atas seluruh kebijakan dan management, and conducting security reviews of all Company
prosedur TI. IT policies and procedures. Profile
c. Meningkatkan manajemen infrastruktur TI sesuai c. Improving IT infrastructure management according to
dengan standar teknologi best practice seperti best practice technology standards, such as capacity
Management
capacity planning, clustering, load balancing, dan planning, clustering, load balancing, and others, to Discussion and
lainnya, sehingga dapat mencapai service level bagi achieve service levels for users in a cost-effective Analysis
user dengan cara ‘cost effective’ manner.
d. Meningkatkan proses monitoring dan performance d. Enhancing monitoring processes and performance BUSINESS
tuning sebagai langkah proaktif (pencegahan tuning as proactive (problem prevention) and reactive SUPPORT
masalah) maupun reaktif (penyelesaian masalah) (problem resolution) actions to achieve service levels OVERVIEW
untuk mencapai service level sesuai kebutuhan according to business needs.
bisnis. Corporate
Governance
2. Upaya Mengatasi Disrupsi 2. Efforts to Overcome Disruption
Dalam menghadapi dinamika perkembangan teknologi In facing the dynamics of technological developments and Sustainability
dan potensi disrupsi digital, Bank secara konsisten the potential for digital disruption, the Bank consistently Report
mengambil langkah-langkah strategis untuk memastikan takes strategic steps to ensure operational continuity
keberlangsungan operasional dan kelancaran pelayanan and smooth service to Customers. Efforts made include
kepada Nasabah. Upaya yang dilakukan mencakup improving IT infrastructure capabilities, strengthening IT
peningkatan kapabilitas infrastruktur TI, penguatan tata governance, and implementing a proactive approach
kelola TI, serta penerapan pendekatan proaktif dalam to IT risk management. The Bank also implements a
manajemen risiko TI. Bank juga menerapkan arsitektur flexible and scalable system architecture to support
sistem yang fleksible dan skalabel untuk mendukung operational resilience and service continuity, especially
ketahanan operasional serta kontinuitas layanan, in responding to the dynamics of business needs,
khususnya dalam merespons dinamika kebutuhan accelerated technological advances, and the potential for
bisnis, percepatan kemajuan teknologi, dan potensi unexpected disruption. Digital transformation initiatives
disrupsi yang tidak terduga. Inisiatif transformasi are implemented in stages and in a measurable manner
digital dilaksanakan secara bertahap dan terukur guna to increase efficiency and support the Bank’s business
meningkatkan efisiensi serta mendukung strategi bisnis strategy in the digital era.
Bank di era digital.
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
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3. Keamanan Dunia Maya (Cyber Security) 3. Cyber Security
Bank menempatkan keamanan siber sebagai prioritas The Bank places cyber security as a top priority in
utama dalam menjaga kepercayaan nasabah dan maintaining customer trust and the sustainability of digital
keberlangsungan layanan perbankan secara digital. banking services. To that end, the Bank actively develops
Untuk itu, Bank secara aktif mengembangkan dan and strengthens a cyber security framework that includes
memperkuat kerangka kerja keamanan siber yang policies and procedures that are prepared in accordance
mencakup kebijakan dan prosedur yang disusun with applicable regulations and international standards,
mengacu pada regulasi yang berlaku serta standar such as ISO 27001. Strengthening is also carried out
internasional, seperti ISO 27001. Penguatan juga through the use of reliable technology and increasing
dilakukan melalui pemanfaatan teknologi yang andal security awareness across all lines of the organization.
serta peningkatan kesadaran keamanan di seluruh lini
organisasi.
Sebagai bagian dari strategi pencegahan dan deteksi As part of the prevention and early detection strategy
dini terhadap ancaman siber, Bank telah menerapkan for cyber threats, the Bank has implemented a real-time
188 sistem pemantauan dan perlindungan secara real-
time, termasuk sistem deteksi dan pencegahan intrusi,
monitoring and protection system, including an intrusion
detection and prevention system, SIEM, and endpoint
Ikhtisar Kinerja
SIEM, serta solusi endpoint protection. Sistem-sistem ini protection solutions. These systems enable early
2024 memungkinkan identifikasi dini atas anomaly, potensi identification of anomalies, potential attacks, and rapid
serangan, dan mitigasi secara cepat sebelum berdampak mitigation before they impact services.
Laporan pada layanan.
Manajemen
Selain itu, Bank menerapkan pengamanan berlapis In addition, the Bank implements layered security for
Profil terhadap aplikasi dan infrastruktur teknologi melalui applications and technology infrastructure through
Perusahaan
pengujian kerentanan (VAPT) secara berkala, simulasi periodic vulnerability testing (VAPT), scenario-based
serangan berbasis scenario, penerapan firewall, serta attack simulations, firewall implementation, and
Analisis dan
Pembahasan integrasi dengan layanan intelijen ancaman global. Bank integration with global threat intelligence services. The
Manajemen juga secara aktif membangun budaya keamanan siber Bank also actively builds a cyber security culture through
melalui program pelatihan dan kampanye kesadaran training programs and awareness campaigns aimed at all
TINJAUAN yang ditujukan kepada seluruh karyawan. Upaya ini employees. This effort is a form of the Bank’s commitment
PENDUKUNG
BISNIS
merupakan bentuk komitmen Bank untuk menjaga to maintaining customer trust and supporting the creation
kepercayaan nasabah dan mendukung terciptanya of a safe and reliable digital ecosystem.
Tata Kelola ekosistem digital yang aman dan andal.
Perusahaan
4. Pemulihan Bencana (Disaster Recovery) 4. Disaster Recovery
Laporan Untuk menjamin kontinuitas layanan dan ketahanan To ensure continuity of service and operational
Keberlanjutan operasional, Bank telah menetapkan Kebijakan dan resilience, the Bank has established a comprehensive
Prosedur Pemulihan Bencana (Disaster Recovery Plan/ Disaster Recovery Plan (DRP) Policy and Procedure. The
DRP) yang komprehensif. Proses pemulihan didukung recovery process is supported by a Disaster Recovery
oleh infrastruktur Pusat Data Cadangan (Disaster Center (DRC) infrastructure that is periodically tested
Recovery Center/DRC) yang diuji secara berkala melalui through simulations and trials to ensure readiness in
simulasi dan uji coba guna memastikan kesiapan dalam facing various disruption scenarios.
menghadapi berbagai skenario gangguan.
Bank juga melakukan evaluasi dan pembaruan berkala The Bank also periodically evaluates and updates the
terhadap skenario pemulihan agar senantiasa relevan recovery scenario to ensure it is always relevant to the
dengan risiko terkini. Pendekatan ini memastikan bahwa latest risks. This approach ensures that in a disaster
dalam situasi bencana atau gangguan kritikal, Bank or critical disruption situation, the Bank is still able to
tetap mampu menjaga ketersediaan layanan, melindungi maintain service availability, protect customer data, and
data nasabah, dan meminimalkan dampak terhadap minimize the impact on operations.
operasional.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 191
Rencana Strategis TI IT Strategic Plan
Divisi IT telah menyusun rencana strategis TI untuk tahun The IT Division has prepared a strategic plan for Information
2025 yang diuraikan sebagai berikut. Technology area in 2025 which is outlined as follows:
1. Peningkatan kapabilitas dan pengalaman pengguna 1. Improving the capabilities and user experience across all
pada seluruh kanal layanan digital Bank, termasuk of the Bank’s digital service channels, including mobile
mobile banking, internet banking, layanan kartu debit banking, internet banking, debit and credit card services,
dan kredit, chat banking, serta sistem transaksi merchant. chat banking, and merchant transaction systems.
Pengembangan ini mencakup pengembangan fitur baru, This development includes the development of new
penyempurnaan dan modernisasi arsitektur teknologi, features, refinement and modernization of technological
Hal ini bertujuan untuk meningkatkan kenyamanan, architecture. This aims to improve the convenience,
kecepatan, dan keamanan transaksi bagi nasabah speed, and security of transactions for customers and
maupun mitra bisnis. business partners.
2. Pengembangan sistem internal untuk meningkatkan 2. Development of internal systems to improve the
efektivitas dan efisiensi proses kerja, mencakup sistem effectiveness and efficiency of work processes, including
pengelolaan sumber daya manusia, pengadaan, human resource management systems, procurement,
pengelolaan asset, dokumen, serta sistem pendukung
operasional lainnya.
asset management, documents, and other operational
support systems.
189
3. Penyempurnaan sistem layanan kredit secara 3. Improvement of the overall credit service system for all
2024
menyeluruh untuk seluruh segmen, termasuk mikro, segments, including micro, retail, consumer, commercial, Performance
ritel, consumer, komersial, maupun korporasi dengan and corporate by focusing on improving process Highlights
berfokus pada peningkatan otomasi proses, integrasi automation, system integration, and service reliability.
sistem, dan keandalan layanan. Management
4. Penyempurnaan sistem untuk menunjang kecepatan, 4. Improvement of the system to support speed, accuracy, Report
akurasi, dan kepatuhan dalam penyusunan pelaporan and compliance in preparing reports to regulators and
kepada regulator serta mendukung pemenuhan supporting compliance with applicable regulations. Company
terhadap regulasi yang berlaku. Profile
5. Pengembangan sistem berbasis API sebagai bagian 5. Development of an API-based system as part of the
dari strategi Open Banking, untuk memperluas integrasi Open Banking strategy, to expand the integration of
Management
layanan Bank dengan mitra strategis termasuk pelaku the Bank’s services with strategic partners including Discussion and
fintech, serta mendukung kolaborasi digital secara B2B. fintech players, and support B2B digital collaboration. Analysis
Melalui platform API management yang komprehensif, Through a comprehensive API management platform,
Bank mendorong fleksibilitas, skalabilitas, dan keandalan the Bank drives flexibility, scalability, and reliability in the BUSINESS
dalam pengelolaan dan pemanfaatan layanan digital management and utilization of digital services openly. SUPPORT
secara terbuka. OVERVIEW
6. Peningkatan arsitektur TI melalui penyempurnaan dan 6. Improvement of IT architecture through refinement
modernisasi sistem middleware, guna mendukung and modernization of middleware systems, to support Corporate
skalabilitas, efisiensi pengembangan layanan, scalability, service development efficiency, service reuse Governance
penggunaan ulang layanan (reusability), serta (reusability), and ease of integration between systems
kemudahan integrasi antar sistem sesuai best practice according to industry best practices. Sustainability
industry. Report
7. Penguatan sistem yang mendukung pemanfaatan data 7. Strengthening systems that support data utilization
dalam pengambilan keputusan, pengukuran efektivitas in decision making, measuring the effectiveness of
aktivitas pemasaran, serta strategi akuisisi dan retensi marketing activities, and insight-based customer
nasabah berbasis insight. Termasuk di dalamnya acquisition and retention strategies. This includes
digitalisasi proses onboarding dan penjaringan calon digitizing the onboarding process and recruiting
nasabah melalui sistem terintegrasi, guna memastikan prospective customers through an integrated system, to
pengalaman pengguna yang lebih cepat mudah, dan ensure a faster, easier, and consistent user experience
konsisten di seluruh lini bisnis Bank. across all Bank business lines.
8. Pengembangan sistem yang mendukung pemantauan 8. Development of systems that support compliance
kepatuhan, pengelolaan risiko TI, kebutuhan audit, fraud monitoring, IT risk management, audit needs, fraud
management, serta legal dan ketahanan operasional management, and the Bank’s legal and operational
Bank. Termasuk di dalamnya penerapan sistem dan resilience. This includes the implementation of systems
infrastruktur untuk mendukung rencana aksi pemulihan and infrastructure to support recovery action plans
sesuai ketentuan regulator. according to regulatory provisions.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 192
9. Implementasi system untuk mendukung kepatuhan Bank 9. Implementation of systems to support the Bank’s
terhadap Undang-Undang No.27 Tahun 2022tentang compliance with Law No. 27 of 2022 concerning
Perlindungan Data Pribadi Personal Data Protection
10. Dukungan infrastruktur dan aplikasi untuk memperkuat 10. Support for infrastructure and applications to strengthen
sinergi perbankan dengan entitas anak. banking synergy with subsidiaries.
190
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil
Perusahaan
Analisis dan
Pembahasan
Manajemen
TINJAUAN
PENDUKUNG
BISNIS
Tata Kelola
Perusahaan
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 193
TATA KELOLA
PERUSAHAAN
Corporate Governance
.06
Page 194
KOMITMEN PENERAPAN TATA KELOLA
PERUSAHAAN YANG BAIK
Commitment to Implementing Good Corporate
Governance
PT. Bank Sinarmas Tbk. (“Bank Sinarmas”, “Bank”) meyakini PT. Bank Sinarmas Tbk. (“Bank Sinarmas,” “Bank”) believes
penerapan prinsip tata kelola perusahaan yang baik atau that the implementation of good corporate governance
Good Corporate Governance (GCG) akan mendukung (GCG) principles will support the Bank’s sustainable
pertumbuhan kinerja Bank secara berkelanjutan. Penerapan performance growth. The implementation of GCG can also
GCG juga dapat menciptakan lingkungan usaha yang sehat, create a healthy business environment because it is in line
karena selaras dengan peraturan perundang-undangan with laws and regulations and best practices in the industry.
192 maupun praktik terbaik di industri.
Ikhtisar Kinerja
Karena itu, sebagai wujud komitmen untuk senantiasa Therefore, as a form of commitment to continuously improve
2024 meningkatkan kualitas penerapan GCG, di antaranya, Bank the quality of GCG implementation, among others, Bank
Sinarmas melakukan peninjauan (review) secara berkala. Sinarmas conducts periodic reviews. This initiative is an
Laporan Inisiatif ini sebagai upaya agar praktik yang diterapkan oleh effort to ensure that the practices implemented by the Bank
Manajemen Bank dapat mengadopsi perubahan di lingkungan usaha, can adopt changes in the business environment, especially
khususnya terkait dengan perbankan. related to banking.
Profil
Perusahaan
Komitmen tersebut menunjukkan bahwa Bank tidak This commitment shows that the Bank does not view the
memandang penerapan GCG sekadar kepatuhan terhadap implementation of GCG as merely compliance with laws and
Analisis dan
Pembahasan peraturan perundang-undangan. Lebih dari itu, prinsip-prinsip regulations. Moreover, the principles of GCG that have been
Manajemen GCG yang telah melekat dalam setiap aspek kegiatan usaha embedded in every aspect of the Bank’s business activities
Bank, diharapkan dapat memberikan manfaat maksimal bagi are expected to provide maximum benefits for stakeholders
Tinjauan para pemangku kepentingan maupun Bank. and the Bank.
Pendukung
Bisnis
Asas dalam Penerapan GCG Principles in the Implementation of GCG
TATA KELOLA Penerapan Tata Kelola Bank Sinarmas senantiasa The implementation of Bank Sinarmas’s Governance is
PERUSAHAAN berlandaskan pada 5 (lima) prinsip dasar Tata Kelola yang always based on the following 5 (five) basic principles of
baik sebagai berikut: good governance:
Laporan
Keberlanjutan
Keterbukaan Keterbukaan (transparency) mencakup keterbukaan dalam proses pengambilan keputusan dan keterbukaan dalam
Transparancy pengungkapan dan penyediaan informasi yang relevan dan mudah diakses oleh Pemangku Kepentingan.
Transparency includes openness in the decision-making process and openness in disclosing and providing relevant and
easily accessible information to Stakeholders.
Akuntabilitas Akuntabilitas (accountability) mencakup kejelasan fungsi dan pelaksanaan pertanggungjawaban.
Accountabilility Accountability includes clarity of function and implementation of accountability.
Pertanggungjawaban Tanggung jawab (responsibility) mencakup kesesuaian pengelolaan dengan ketentuan peraturan perundang - undangan
Responsibility dan nilai etika serta standar, prinsip, dan praktik.
Responsibility includes compliance with management provisions of laws and regulations and ethical values as well as
standards, principles, and practices.
Independensi Independensi (independency) mencakup keadaan yang dikelola secara mandiri dan profesional serta bebas dari
Independency benturan kepentingan dan pengaruh atau tekanan dari pihak manapun yang tidak sesuai dengan ketentuan peraturan
perundang-undangan dan nilai etika serta standar, prinsip, dan praktik.
Independence includes a state that is managed independently and professionally and is free from conflicts of interest
and influence or pressure from any party that is not in accordance with laws and regulations and ethical values as well as
standards, principles, and practices.
Kewajaran Kewajaran (fairness) mencakup kesetaraan, keseimbangan, dan keadilan di dalam memenuhi hak Pemangku Kepentingan
Fairness yang timbul berdasarkan perjanjian, ketentuan peraturan perundang-undangan, dan nilai etika serta standar, prinsip, dan
praktik.
Fairness includes equality, balance, and justice in fulfilling Stakeholder rights arising from agreements, provisions of laws
and regulations, and ethical values as well as standards, principles, and practices.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 195
Dasar Hukum Pelaksanaan Legal Basis for Implementation
Penerapan GCG Bank Sinarmas berpedoman pada The implementation of GCG by Bank Sinarmas is guided by
ketentuan berikut. the following provisions.
Undang-Undang • Undang-Undang Republik Indonesia No.10 Tahun 1998 tentang perubahan atas Undang-undang No. 7 tahun 1992
Republik Indonesia tentang Perbankan.
• Undang-Undang Republik Indonesia No. 40 Tahun 2007 tentang Perseroan Terbatas.
• Undang-Undang Republik Indonesia No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan.
• Law of the Republic of Indonesia No. 10 of 1998 concerning amendments to Law No. 7 of 1992 concerning Banking.
• Law of the Republic of Indonesia No. 40 of 2007 concerning Limited Liability Companies.
• Law of the Republic of Indonesia No. 4 of 2023 concerning Development and Strengthening of the Financial Sector.
Peraturan Otoritas Jasa • Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tanggal 14 September 2023 tentang Penerapan Tata Kelola
Keuangan bagi Bank Umum.
• Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021 tanggal 30 Juli 2021 tentang Bank Umum.
• Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola
bagi Bank Umum.
• Peraturan Otoritas Jasa Keuangan No. 21/POJK.04/2015 tanggal 16 November 2015 tentang Penerapan Pedoman
Tata Kelola Perusahaan Terbuka.
• Peraturan Otoritas Jasa Keuangan No. 8/POJK.04/2015 tanggal 26 Juni 2015 tentang Situs Web Emiten atau
Perusahaan Publik.
• Surat Edaran Otoritas Jasa Keuangan No. 32/ SEOJK.04/2015 Tanggal 17 November 2015 tentang Pedoman Tata
Kelola Perusahaan Terbuka. 193
• Regulation of the Financial Services Authority No. 17 of 2023, dated September 14, 2023, concerning Implementation
of Governance for Commercial Banks.
• Regulation of the Financial Services Authority No. 12/POJK.03/2021 dated July 30, 2021, concerning Commercial 2024
Banks. Performance
• Circular Letter of the Financial Services Authority No. 13/SEOJK.03/2017 dated March 17, 2017, concerning the Highlights
Implementation of Governance for Commercial Banks.
• Regulation of the Financial Services Authority No. 21/POJK.04/2015 dated November 16, 2015, concerning the
Implementation of Guidelines for Public Company Governance. Management
• Financial Services Authority Regulation No. 8/POJK.04/2015 dated June 26, 2015, concerning Websites of Issuers or Report
Public Companies.
• Financial Services Authority Circular Letter No. 32/SEOJK.04/2015 dated November 17, 2015, concerning Guidelines
for Public Company Governance.
Company
Profile
Organisasi Penerapan Tata Kelola Organization of Governance Implementation
Struktur GCG yang belaku di Bank Sinarmas hingga akhir The GCG structure applicable at Bank Sinarmas until the end
Management
tahun buku 2024 diungkapkan sebagai berikut. of the 2024 financial year is disclosed as follows. Discussion and
Analysis
RAPAT UMUM PEMEGANG SAHAM
General Meeting Shareholders
Business
Support
Overview
DEWAN KOMISARIS DIREKSI
Board of Commissioners Board of Directors
CORPORATE
GOVERNANCE
KOMITE AUDIT KOMITE MANAJEMEN RISIKO
Audit Committee Risk Management Committee
Sustainability
Report
KOMITE PEMANTAU RISIKO KOMITE KEBIJAKAN PERKREDITAN
Risk Monitoring Committee Credit Policy Committee
KOMITE REMUNERASI DAN NOMINASI KOMITE KREDIT
Remuneration and Nomination Committee Credit Committee
KOMITE
KOMITE TATA KELOLA TERINTEGRASI INFORMATION TECHNOLOGY
Integrated Governance Committee Information Technology Committee
KOMITE MANAJEMEN RISIKO
TERINTEGRASI
Integrated Risk Management Committee
ASSET & LIABILITY COMMITTEE
(ALCO)
Asset & Liability Committee (ALCO)
KOMITE HUMAN CAPITAL
Human Capital Committee
KOMITE PENDUKUNG LAINNYA
Other Supporting Committees
SATUAN KERJA AUDIT SATUAN KERJA SATUAN KERJA KEPATUHAN
INTERNAL MANAJEMEN RISIKO Compliance Work Unit CORPORATE SECRETARY
Internal Audit Work Unit Risk Management Unit
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 196
Dewan Komisaris telah membentuk komite di bawahnya The Board of Commissioners has formed committees under
untuk membantu dan meningkatkan pelaksanaan tugas dan it to assist and improve the implementation of the duties and
fungsi Dewan Komisaris. Komite-komite tersebut adalah: functions of the Board of Commissioners. These committees
are:
1. Komite Audit; 1. Audit Committee;
2. Komite Pemantau Risiko; 2. Risk Monitoring Committee;
3. Komite Remunerasi dan Nominasi; dan 3. Remuneration and Nomination Committee; and
4. Komite Tata Kelola Terintegrasi. 4. Integrated Governance Committee.
Direksi bersama jajaran manajemen Bank bertugas untuk The Board of Directors, together with the Bank’s management,
mengelola, mengendalikan, serta bertanggung jawab atas is tasked with managing, controlling, and being responsible
penerapan tata kelola di Bank, dibantu oleh Satuan Kerja for the implementation of governance in the Bank, assisted
Audit Internal, Risk Management Group, Satuan Kerja by the Internal Audit Work Unit, Risk Management Group,
Kepatuhan, Corporate Secretary, serta Komite di tingkat Compliance Work Unit, Corporate Secretary, and Committees
Direksi, yaitu: at the Board of Directors level, namely:
194 1. Komite Manajemen Risiko;
2. Komite Kebijakan Perkreditan;
1. Risk Management Committee;
2. Credit Policy Committee;
Ikhtisar Kinerja
3. Komite Kredit; 3. Credit Committee;
2024 4. Komite Information Technology; 4. Information Technology (IT) Committee;
5. Komite Manajemen Risiko Terintegrasi; 5. Integrated Risk Management Committee
Laporan 6. Asset & Liability Committee (ALCO); dan 6. Asset & Liability Committee (ALCO); and
Manajemen 7. Komite Human Capital. 7. Human Capital Committee.
Profil Komitmen dan Realisasi GCG GCG Commitment and Realization
Perusahaan
Penerapan Tata Kelola Implementation of Governance
Analisis dan
Pembahasan GCG Bank Sinarmas diimplementasikan secara komprehensif Bank Sinarmas’ GCG is implemented comprehensively and
Manajemen dan terstruktur, yang diintegrasikan dalam 3 (tiga) aspek structured, which is integrated into the following 3 (three)
dasar berikut. basic aspects.
Tinjauan
Pendukung
Bisnis Governance Structure Penilaian governance structure bertujuan untuk menilai kecukupan struktur dan infrastruktur tata kelola Bank agar proses
penerapan prinsip GCG menghasilkan outcome yang sesuai dengan harapan pemangku kepentingan Bank. Adapun
yang termasuk dalam struktur GCG Bank, yakni Direksi, Dewan Komisaris, komite-komite, dan satuan kerja pada Bank.
TATA KELOLA Sementara itu, yang termasuk infrastruktur tata kelola Bank, antara lain kebijakan dan prosedur Bank, sistem informasi
PERUSAHAAN manajemen, serta tugas pokok dan fungsi masing-masing struktur organisasi. Bank Sinarmas telah memiliki kecukupan
struktur dan prosedur dalam menerapkan GCG.
The governance structure assessment aims to assess the adequacy of the Bank›s governance structure and
Laporan infrastructure, ensuring that the process of implementing GCG principles produces outcomes that are in accordance
Keberlanjutan with the expectations of the Bank›s stakeholders. The Bank›s GCG structure includes the Board of Directors, Board
of Commissioners, committees, and work units at the Bank. Meanwhile, the Bank›s governance infrastructure includes
the Bank›s policies and procedures, management information systems, and the main tasks and functions of each
organizational structure. Bank Sinarmas has had adequate structures and procedures in implementing GCG.
Governance Process Penilaian governance process bertujuan untuk menilai efektivitas proses penerapan prinsip GCG yang didukung oleh
kecukupan struktur dan infrastruktur tata kelola Bank sehingga menghasilkan outcome yang sesuai dengan harapan
pemangku kepentingan Bank. Bank Sinarmas telah menerapkan prinsip-prinsip GCG secara efektif.
The governance process assessment aims to assess the effectiveness of the GCG principle implementation process
supported by the adequacy of the Bank›s governance structure and infrastructure, ensuring that it produces outcomes
that are in accordance with the expectations of the Bank›s stakeholders. Bank Sinarmas has implemented GCG principles
effectively.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 197
Governance outcome Penilaian governance outcome bertujuan untuk menilai kualitas outcome yang memenuhi harapan pemangku
kepentingan Bank yang merupakan hasil proses penerapan prinsip GCG serta didukung oleh kecukupan struktur dan
infrastruktur tata kelola Bank.
Yang termasuk dalam outcome mencakup aspek kualitatif dan aspek kuantitatif, antara lain:
a. Kecukupan transparansi laporan;
b. Kepatuhan terhadap peraturan perundang-undangan;
c. Perlindungan konsumen;
d. Objektivitas dalam melakukan penilaian (assessment) atau audit;
e. Kinerja Bank seperti rentabilitas, efisiensi, dan permodalan; dan/atau
f. Peningkatan atau penurunan kepatuhan terhadap ketentuan dan penyelesaian permasalahan yang dihadapi Bank,
seperti fraud, pelanggaran Batas Maksimum Pemberian Kredit (BMPK), dan pelanggaran ketentuan terkait laporan
bank kepada Otoritas Jasa Keuangan.
The governance outcome assessment aims to assess the quality of outcomes that meet the expectations of the Bank’s
stakeholders, which are the result of the GCG principle implementation process and are supported by the adequacy of
the Bank’s governance structure and infrastructure.
The outcomes include qualitative and quantitative aspects, including:
a. Adequate transparency of reports;
b. Compliance with laws and regulations;
c. Consumer protection;
d. Objectivity in conducting assessments or audits;
e. Bank performance such as profitability, efficiency, and capitalization; and/or
f. Increase or decrease in compliance with provisions and resolution of problems faced by the Bank, such as fraud,
violation of the Legal Lending Limit (BMPK), and violation of provisions related to bank reports to the Financial
Services Authority.
195
2024
Tujuan Penerapan Tata Kelola Objective of the Implementation of Good Corporate Performance
Governance Highlights
Bank Sinarmas berkewajiban untuk melaksanakan kegiatan Bank Sinarmas is obliged to carry out its business activities in
usahanya yang disesuaikan dengan prinsip-prinsip GCG accordance with the principles of GCG in order to: Management
dalam rangka: 1. Increase the seriousness of Management in implementing Report
1. Meningkatkan kesungguhan Manajemen dalam the principles of transparency, accountability,
menerapkan prinsip-prinsip keterbukaan, akuntabilitas, responsibility, independence, fairness, and prudence in Company
tanggung jawab, independensi, kewajaran dan kehati- managing the Bank Profile
hatian dalam pengelolaan Bank
2. Meningkatkan kinerja Bank, efisiensi dan pelayanan 2. Improve the Bank’s performance, efficiency, and service
Management
kepada stakeholders; to stakeholders; Discussion and
3. Melindungi kepentingan para pemangku kepentingan; 3. Protect the interests of stakeholders; and Analysis
dan
4. Meningkatkan kepatuhan terhadap peraturan 4. Increase compliance with laws and regulations and Business
perundang-undangan serta Nilai-nilai Etika (code of Ethical Values (code of conduct) that generally apply to Support
conduct) yang berlaku secara umum pada industri the banking industry. Overview
perbankan.
CORPORATE
Road Map Penerapan Tata Kelola Road Map for the Implementation of Good Corporate GOVERNANCE
Governance
Bank Sinarmas secara konsisten dan berkelanjutan Bank Sinarmas consistently and continuously implements Sustainability
melaksanakan tata kelola sesuai ketentuan internal dan good corporate governance in accordance with internal and Report
eksternal. Melalui road map penerapan tata kelola, Bank external provisions. Through the road map for implementing
terus menyempurnakan dan menyesuaikan upaya tersebut good corporate governance, the Bank continues to refine
guna memberikan kontribusi positif bagi semua pemangku and adjust these efforts in order to provide a positive
kepentingan. contribution to all stakeholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 198
Tahun Road Map Penerapan Tata Kelola
Year Road Map for the Implementation of Good Corporate Governance
2024 • Bank Sinarmas telah melakukan pengkinian atas ketentuan internal yaitu berupa Kebijakan Tata Kelola Perusahaan (Good Governance
Corporate) Versi 3.0 dan SOP Tata Urutan Ketentuan Internal (Manual Level) Versi 3.0.
• Bank Sinarmas telah menunjuk dan mengangkat Direktur yang membawahi fungsi kepatuhan berdasarkan persetujuan OJK melalui SK
Anggota Dewan Komisioner No KEPR-109/D.03/2024 tanggal 30 Agustus 2024 dan RUPS Luar Biasa pada tanggal 28 Oktober 2024.
• Bank Sinarmas telah melakukan penilaian sendiri atas penerapan tata kelola yang baik pada Bank sebanyak 2 (dua) kali dalam 1 (satu)
tahun serta menyusun dan menyampaikan laporan pelaksanaan tata kelola pada akhir tahun 2024.
• Bank Sinarmas telah menyelenggarakan Rapat Direksi, Rapat Dewan Komisaris, maupun Rapat Direksi bersama dengan Dewan
Komisaris;
• Direksi Bank Sinarmas telah menindaklanjuti temuan audit atau pemeriksaan dan rekomendasi dari Satuan Kerja Audit Internal Bank,
auditor ekstern, hasil pengawasan Otoritas Jasa Keuangan, dan/atau hasil pengawasan otoritas dan lembaga lain.
• Bank Sinarmas telah memastikan kepatuhan terhadap ketentuan Otoritas Jasa Keuangan dan ketentuan perundang-undangan
dengan melakukan, antara lain:
- Membuat analisa dampak dan menyusun tindak lanjut serta melakukan sosialisasi terhadap ketentuan Otoritas Jasa Keuangan dan
Bank Indonesia serta peraturan perundang-undangan yang berlaku;
- Memberikan opini terhadap rancangan produk dan aktivitas Bank agar sesuai dengan ketentuan regulator dan peraturan
perundang-undangan yang berlaku; dan
- Memastikan kebijakan, ketentuan, sistem dan prosedur telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan peraturan
perundang-undangan yang berlaku maka Satuan Kerja Kepatuhan menyampaikan opini kepatuhan atau review terhadap kebijakan,
prosedur, ketentuan internal Bank yang akan diterbitkan.
196 • Pelaksanaan pengujian kepatuhan atau compliance testing terhadap aktivitas hapus buku, Kantor Cabang atas Penerapan Program
Anti Pencucian Uang, Pencegahan Pendanaan Terorisme dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal (APU
PPT & PPPSPM, pelindungan konsumen di jasa perbankan, pelindungan konsumen terfokus pada bagian ringkasan informasi produk
dan layanan, pemenuhan kepatuhan kewajiban pendaftaran sistem elektronik milik Bank ke Kominfo, perjanjian kredit Bank Sinarmas
Ikhtisar Kinerja
dalam kaitannya dengan pelindungan konsumen di Sektor Jasa Keuangan.
2024 • Meningkatkan kesadaran atas budaya kepatuhan melalui program kampanye kepatuhan yang dilakukan ke seluruh Unit Kerja dan
jaringan Cabang Bank baik melalui media komunikasi internal dalam bentuk Compliance Info dan kampanye anti penyuapan.
Laporan • Bank Sinarmas has updated its internal provisions in the form of the Corporate Governance Policy (Good Governance Corporate)
Version 3.0 and the SOP for Internal Provisions Sequence (Manual Level) Version 3.0.
Manajemen
• Bank Sinarmas has appointed and elected a Director who oversees the compliance function based on the approval of the OJK through
the Decree of the Member of the Board of Commissioners No. KEPR-109/D.03/2024 dated August 30, 2024, and the Extraordinary
Profil GMS on October 28, 2024.
Perusahaan • Bank Sinarmas has conducted a self-assessment of the implementation of good governance at the Bank 2 (two) times in 1 (one) year
and prepared and submitted a report on the implementation of governance at the end of 2024.
• Bank Sinarmas has held a Board of Directors Meeting, a Board of Commissioners Meeting, and a Joint Board of Directors Meeting with
Analisis dan the Board of Commissioners;
Pembahasan • The Board of Directors of Bank Sinarmas has followed up on audit findings or examinations and recommendations from the Bank›s
Manajemen Internal Audit Work Unit, external auditors, the results of supervision by the Financial Services Authority, and/or the results of supervision
by other authorities and institutions.
• Bank Sinarmas has ensured compliance with the provisions of the Financial Services Authority and the provisions of the laws and
Tinjauan regulations by, among others:
Pendukung - Conducting impact analysis and preparing follow-up actions and conducting socialization of the provisions of the Financial Services
Bisnis Authority and Bank Indonesia as well as applicable laws and regulations;
- Providing opinions on the design of the Bank›s products and activities to comply with the provisions of the regulator and applicable
laws and regulations; and
TATA KELOLA - Ensuring that policies, provisions, systems, and procedures are in accordance with the provisions of the Financial Services Authority
PERUSAHAAN and applicable laws and regulations, the Compliance Work Unit submits a compliance opinion or review of the Bank›s policies,
procedures, and internal provisions to be issued.
• Implementation of compliance testing on write-off activities, Branch Offices for the Implementation of Anti-Money Laundering Programs,
Laporan Counter-Terrorism Financing and Prevention of Proliferation Financing of Weapons of Mass Destruction (APU PPT & PPPSPM),
Keberlanjutan consumer protection in banking services, consumer protection focused on the summary of product and service information, fulfillment
of compliance obligations for registering the Bank›s electronic system with the Ministry of Communication and Information, and Bank
Sinarmas credit agreements in relation to consumer protection in the Financial Services Sector.
• Increasing awareness of the culture of compliance through compliance campaign programs carried out in all Work Units and the Bank›s
branch network, both through internal communication media in the form of Compliance Info and anti-bribery campaigns.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 199
Tahun Road Map Penerapan Tata Kelola
Year Road Map for the Implementation of Good Corporate Governance
2023 • Dalam penerapan GCG, Bank Sinarmas telah melakukan pengkinian atas Kebijakan Tata Kelola Perusahaan yang dimiliki. Hal ini sejalan
sebagaimana diatur oleh Otoritas Jasa keuangan melalui Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan
Tata Kelola Bagi Bank Umum;
• Bank Sinarmas melakukan penilaian sendiri atas penerapan tata kelola yang baik 2 kali dalam 1 tahun;
• Direksi Bank Sinarmas menindaklanjuti temuan audit atau pemeriksaan dan rekomendasi dari Satuan Kerja Audit Internal Bank, auditor
ekstern, hasil pengawasan Otoritas Jasa Keuangan, dan/atau hasil pengawasan otoritas dan lembaga lain.
• Bank Sinarmas menyelenggarakan Rapat Direksi, Rapat Dewan Komisaris, maupun Rapat Direksi bersama dengan Dewan Komisaris;
• Bank Sinarmas memastikan kepatuhan terhadap ketentuan Otoritas Jasa Keuangan dan ketentuan perundang-undangan dengan
melakukan, antara lain:
- Membuat analisa dampak dan menyusun tindak lanjut serta melakukan sosialisasi terhadap ketentuan Otoritas Jasa Keuangan dan
Bank Indonesia serta peraturan perundang-undangan yang berlaku;
- Memberikan opini terhadap rancangan produk dan aktivitas Bank agar sesuai dengan ketentuan regulator dan peraturan
perundang-undangan yang berlaku; dan
• Bank Sinarmas memastikan kebijakan, ketentuan, sistem dan prosedur telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan
peraturan perundang-undangan yang berlaku, maka Satuan Kerja Kepatuhan mengeluarkan opini atau review terhadap kebijakan,
prosedur, ketentuan yang akan diterbitkan.
• In implementing GCG, Bank Sinarmas has updated its Corporate Governance Policy. This is in line with the provisions of the Financial
Services Authority through Financial Services Authority Regulation No. 17 of 2023 concerning the Implementation of Governance for
Commercial Banks;
• Bank Sinarmas conducts a self-assessment of the implementation of good governance twice a year;
• The Board of Directors of Bank Sinarmas follows up on audit findings or examinations and recommendations from the Bank›s Internal 197
Audit Work Unit, external auditors, the results of supervision by the Financial Services Authority, and/or the results of supervision by
other authorities and institutions.
• Bank Sinarmas holds Board of Directors Meetings, Board of Commissioners Meetings, and Joint Board of Directors Meetings with the 2024
Board of Commissioners; Performance
• Bank Sinarmas ensures compliance with the provisions of the Financial Services Authority and statutory provisions by, among others: Highlights
- Making impact analysis and preparing follow-up actions and conducting socialization of the provisions of the Financial Services
Authority and Bank Indonesia as well as applicable laws and regulations;
- Providing opinions on the design of the Bank›s products and activities, ensuring that they comply with the provisions of regulators Management
and applicable laws and regulations; and Report
• Bank Sinarmas ensures that policies, provisions, systems, and procedures are in accordance with the provisions of the Financial
Services Authority and applicable laws and regulations, and then the Compliance Work Unit issues an opinion or review of the policies,
procedures, and provisions to be issued.
Company
2022 • Pengkinian Standar Operasional Prosedur (SOP) Tata Urutan Ketentuan Internal (Manual Level) Versi 2.0; Profile
• Pengkinian Kebijakan Kepatuhan Versi 2.0;
• Pengkinian SOP Kepatuhan Terintegrasi Konglomerasi Keuangan Sinar Mas Financial Services Versi 2.0;
• Pelaksanaan Rapat Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas Semester I dan II Tahun 2022. Management
• Penyampaian Laporan Tidak Terstruktur kepada Otoritas Jasa Keuangan secara daring melalui SIPENA; Discussion and
• Pelaksanaan Compliance Testing kepada Divisi Bancassurance, Kantor Cabang atas Penerapan Anti Pencucian Uang dan Pencegahan
Analysis
Pendanaan Terorisme (APU-PPT), Treasury Group, Credit Card Group, MSME Group, dan SnD Group; dan
• Meningkatkan kesadaran atas Budaya Kepatuhan melalui program Compliance Campaign yang dilakukan ke seluruh Unit Kerja dan
jaringan Cabang Bank baik melalui media komunikasi internal maupun melalui pelatihan kelas dan e-learning.
• Updating the Standard Operating Procedure (SOP) for Internal Provisions Sequence (Manual Level) Version 2.0; Business
• Updating the Compliance Policy Version 2.0; Support
• Updating the Integrated Compliance SOP of the Sinar Mas Financial Services Financial Conglomerate Version 2.0; Overview
• Implementation of the Integrated Governance Committee Meeting of the Sinar Mas Financial Conglomerate Semester I and II of 2022.
• Submission of Unstructured Reports to the Financial Services Authority online through SIPENA;
• Implementation of Compliance Testing to the Bancassurance Division, Branch Offices for the Implementation of Anti-Money Laundering CORPORATE
and Counter-Terrorism Financing (APU-PPT), Treasury Group, Credit Card Group, MSME Group, and SnD Group; and GOVERNANCE
• Increasing awareness of Compliance Culture through the Compliance Campaign program carried out in all Work Units and the Bank›s
Branch network, both through internal communication media and through classroom training and e-learning.
2021 • Pelaksanaan Rapat Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas Semester I dan II Tahun 2021; Sustainability
• Pelaporan tindak lanjut oleh Lembaga Jasa Keuangan (LJK) dalam Konglomerasi Keuangan terhadap hasil pengawasan Otoritas Jasa Report
Keuangan maupun hasil pengawasan otoritas lainnya kepada Direksi Entitas Utama;
• Penyusunan dan Penyampaian Rencana Korporasi PT. Bank Sinarmas Tbk. tahun 2022-2026;
• Memperkuat modal Bank oleh Pemegang Saham Pengendali Bank sebesar Rp1,4 triliun;
• Penyampaian Laporan Tidak Terstruktur kepada Otoritas Jasa Keuangan secara daring melalui SIPENA;
• Peningkatan awareness terkait compliance info kepada seluruh lini Bank Sinarmas;
• Pelaksanaan Compliance Testing kepada Divisi Investment Product (Reksadana), proses Open Account (Digital dan Konvensional),
Syariah, CAC berkaitan dengan kepatuhan sesuai dengan Peraturan yang diatur oleh regulator; dan
• Pelaksanaan Sosialisasi terhadap implementasi GCG kepada seluruh lini Bank Sinarmas.
• Implementation of Integrated Governance Committee Meeting of Sinar Mas Financial Conglomerate Semester I and II of 2021;
• Reporting of follow-up actions by Financial Services Institutions (LJK) in the Financial Conglomerate on the results of supervision by the
Financial Services Authority and the results of supervision by other authorities to the Board of Directors of the Main Entity;
• Preparation and Submission of the Corporate Plan of PT. Bank Sinarmas Tbk. for 2022-2026;
• Strengthening the Bank›s capital by the Bank›s Controlling Shareholders by Rp 1.4 trillion;
• Submission of Unstructured Reports to the Financial Services Authority online through SIPENA;
• Increasing awareness regarding compliance info to all lines of Bank Sinarmas;
• Implementation of Compliance Testing for the Investment Product Division (Mutual Funds), Open Account process (Digital and
Conventional), Sharia, and CAC related to compliance in accordance with the Regulations set by the regulator; and
• Implementation of socialization of GCG implementation to all lines of Bank Sinarmas.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 200
Tahun Road Map Penerapan Tata Kelola
Year Road Map for the Implementation of Good Corporate Governance
2020 • Pengkinian Kebijakan Tata Kelola Bank Sinarmas;
• Pengkinian Kebijakan Tata Kelola Terintegrasi (Konglomerasi Sinar Mas);
• Pelaksanaan Rapat Komite Tata Kelola Terintegrasi Sinarmas Semester I dan II Tahun 2020;
• Pembuatan Compliance Monitoring System;
• Pemenuhan Pelaporan Bank kepada Regulator melalui daring, seperti APOLO dan OBOX maupun luring;
• Penerbitan Corporate Charter;
• Peningkatan rangkaian aktivitas implementasi kegiatan APU-PPT;
• Peningkatan awareness terkait compliance info kepada seluruh lini Bank Sinarmas; dan
• Pelaksanaan Sosialisasi terhadap implementasi GCG kepada seluruh lini Bank Sinarmas dan Konglomerasi Keuangan Sinar Mas.
• Updating the Bank Sinarmas Governance Policy;
• Updating the Integrated Governance Policy (Sinar Mas Conglomerate);
• Implementation of Integrated Governance Committee Meeting of Sinarmas Semester I and II of 2020;
• Creation of Compliance Monitoring System;
• Fulfillment of Bank Reporting to Regulators online, such as APOLO and OBOX or offline;
• Issuance of Corporate Charter;
• Improvement of APU-PPT implementation activity series;
• Increase awareness related to compliance info to all lines of Bank Sinarmas; and
• Implementation of Socialization regarding GCG implementation to all lines of Bank Sinarmas and Sinar Mas Financial Conglomerate.
2019 • Pemenuhan pelaporan Bank kepada regulator;
198 •
•
Pelaksanaan sosialisasi terkait praktik pelaksanaan GCG melalui internal class dan e-learning;
Peningkatan awareness terkait compliance culture kepada seluruh lini Bank Sinarmas melalui compliance campaign;
• Penerbitan Compliance Charter dan Internal Audit Charter;
Ikhtisar Kinerja • Pembaruan kebijakan-kebijakan internal Bank yang terkait dengan tata kelola;
2024 • Peningkatan rangkaian aktivitas implementasi kegiatan APU-PPT;
• Penyampaian Rencana Aksi Keuangan Berkelanjutan;
• Peluncuran Compliance Manual Leveling;
Laporan • Melakukan pemantauan secara berkala dan intensif pada regulatory parameter;
Manajemen • Penyesuaian Kode Etik karyawan;
• Penyusunan risk indicator bidang usaha; dan
• Memperkuat modal Bank dengan pelaksanaan exercise waran oleh Pemegang Saham Pengendali Bank sebesar Rp1 triliun.
Profil • Fulfillment of Bank reporting to regulators;
Perusahaan • Implementation of socialization related to GCG implementation practices through internal classes and e-learning;
• Increase awareness related to compliance culture to all lines of Bank Sinarmas through compliance campaigns;
Analisis dan • Issuance of Compliance Charter and Internal Audit Charter;
• Updates to the Bank›s internal policies related to governance;
Pembahasan
• Improvement of the series of APU-PPT implementation activities;
Manajemen
• Submission of the Sustainable Finance Action Plan;
• Launch of Compliance Manual Leveling;
Tinjauan • Conduct regular and intensive monitoring of regulatory parameters;
Pendukung • Adjustment of the employee Code of Ethics;
• Preparation of risk indicators for business fields; and
Bisnis
• Strengthening the Bank›s capital by exercising warrants by the Bank›s Controlling Shareholders amounting to Rp 1 trillion.
2018 • Menyelaraskan dan menyempurnakan praktik pelaksanaan GCG dengan peraturan perundang-undangan yang berlaku;
TATA KELOLA • Penyesuaian kebijakan-kebijakan pendukung pelaksanaan tata kelola Bank Sinarmas;
PERUSAHAAN • Perubahan Struktur Organisasi;
• Pengangkatan anggota Direksi melalui ketentuan tata kelola yang berlaku;
• Perubahan susunan anggota Direksi melalui ketentuan tata kelola yang berlaku;
Laporan
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta penjelasannya pada situs web Bank Sinarmas; dan
Keberlanjutan
• Publikasi Keputusan RUPS Tahunan dan RUPS Luar Biasa beserta penjelasannya pada situs web Bank Sinarmas.
• Aligning and refining GCG implementation practices with applicable laws and regulations;
• Adjustment of supporting policies for the implementation of Bank Sinarmas governance;
• Changes in Organizational Structure;
• Appointment of members of the Board of Directors through applicable governance provisions;
• Changes in the composition of the Board of Directors through applicable governance provisions;
• Disclosure of the Agenda of the Annual GMS and Extraordinary GMS along with explanations on the Bank Sinarmas website; and
• Publication of the Resolutions of the Annual GMS and Extraordinary GMS along with explanations on the Bank Sinarmas website.
2017 • Penyelarasan pelaksanaan tata kelola Bank Sinarmas dengan peraturan Otoritas Jasa Keuangan tentang Penerapan Tata Kelola Bagi
Bank Umum;
• Penyesuaian kebijakan-kebijakan pendukung pelaksanaan tata kelola Bank Sinarmas;
• Meraih penghargaan The Top 50 Emiten MIDcap yang diselenggarakan oleh Indonesian Institute for Corporate Director (IICD);
• Perubahan Anggaran Dasar Bank;
• Pengunduran diri dan pengangkatan anggota Direksi melalui ketentuan tata kelola yang berlaku;
• Perubahan susunan anggota Direksi melalui ketentuan tata kelola yang berlaku;
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta penjelasannya pada situs web Bank Sinarmas; dan
• Publikasi Keputusan RUPS Tahunan dan RUPS Luar Biasa beserta penjelasannya pada situs web Bank Sinarmas.
• Alignment of the implementation of Bank Sinarmas governance with the Financial Services Authority regulations on the Implementation
of Governance for Commercial Banks;
• Adjustment of supporting policies for the implementation of Bank Sinarmas governance;
• Achieving the Top 50 MIDcap Issuer award organized by the Indonesian Institute for Corporate Director (IICD);
• Changes to the Bank›s Articles of Association;
• Resignation and appointment of members of the Board of Directors through applicable governance provisions;
• Changes in the composition of the Board of Directors through applicable governance provisions;
• Disclosure of the Agenda of the Annual GMS and Extraordinary GMS along with explanations on the Bank Sinarmas website; and
• Publication of the Resolutions of the Annual GMS and Extraordinary GMS along with explanations on the Bank Sinarmas website.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 201
Tahun Road Map Penerapan Tata Kelola
Year Road Map for the Implementation of Good Corporate Governance
2016 • Aksi Korporasi (Corporate Action) Penawaran Umum Terbatas (PUT II);
• Penetapan Bank Sinarmas sebagai Entitas Utama;
• Penetapan Susunan Anggota Komite Tata Kelola Terintegrasi dan Komite Manajemen Risiko Terintegrasi;
• Kebijakan melalui Pedoman Tata Kelola Terintegrasi;
• Perubahan Susunan Dewan Pengawas Syariah;
• Perubahan Anggaran Dasar Bank;
• Peningkatan Modal Bank;
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta penjelasannya pada situs web Bank Sinarmas; dan
• Publikasi Keputusan RUPS Tahunan dan RUPS Luar Biasa beserta penjelasannya pada situs web Bank Sinarmas
• Corporate Action Limited Public Offering (PUT II);
• Determination of Bank Sinarmas as the Main Entity;
• Determination of the Composition of the Integrated Governance Committee and the Integrated Risk Management Committee;
• Policy through the Integrated Governance Guidelines;
• Changes to the Composition of the Sharia Supervisory Board;
• Changes to the Bank›s Articles of Association;
• Increase in Bank Capital;
• Disclosure of the Agenda of the Annual GMS and Extraordinary GMS along with explanations on the Bank Sinarmas website; and
• Publication of the Resolutions of the Annual GMS and Extraordinary GMS along with explanations on the Bank Sinarmas website.
2015 • Juara ke-III Kategori Listed Private Financial pada Annual Report Award 2015;
•
•
Kebijakan Pedoman Whistleblowing System;
Pengembangan praktik pelaksanaan GCG dengan peraturan perundang-undangan yang berlaku;
199
• Pengangkatan anggota Direksi melalui ketentuan tata kelola yang berlaku;
• Perubahan Anggaran Dasar Bank; 2024
• Perubahan susunan anggota Direksi melalui ketentuan tata kelola yang berlaku; Performance
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta penjelasannya pada situs web Bank Sinarmas; dan Highlights
• Publikasi Keputusan RUPS Tahunan.
• Third Place in the Listed Private Financial Category at the 2015 Annual Report Award;
• Whistleblowing System Guidelines Policy;
Management
• Development of GCG implementation practices with applicable laws and regulations;
• Appointment of members of the Board of Directors through applicable governance provisions;
Report
• Amendments to the Bank›s Articles of Association;
• Changes to the composition of the Board of Directors through applicable governance provisions;
• Disclosure of the Agenda of the Annual GMS and Extraordinary GMS along with its explanation on the Bank Sinarmas website; and Company
• Publication of the Resolutions of the Annual GMS. Profile
Management
Discussion and
Tinjauan Penerapan Pedoman Tata Kelola Bank Review of the Implementation of the Guidelines for Analysis
Perusahaan Terbuka Governance of Public Bank Companies
Penerapan GCG di Bank telah disesuaikan dengan Pedoman The implementation of GCG in the Bank has been adjusted Business
Tata Kelola Perusahaan Terbuka yang disusun berdasarkan to the Guidelines for Public Company Governance prepared Support
Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017, based on the Circular Letter of the Financial Services Overview
sebagai berikut. Authority No. 13/SEOJK.03/2017, as follows.
CORPORATE
GOVERNANCE
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-hak Pemegang Saham Sustainability
Aspect 1: Relationship between Public Companies and Shareholders in Guaranteeing Shareholder Rights Report
Prinsip 1: Meningkatkan Rekomendasi 1.1: Terpenuhi Mekanisme pemungutan suara RUPS Tahunan dituangkan
Nilai Penyelenggaraan Perusahaan Terbuka memiliki cara Complied dalam Tata Tertib Rapat. Tata Tertib RUPS Tahunan tanggal
Rapat Umum Pemegang atau prosedur teknis pengumpulan 16 Mei 2024 dapat diakses melalui situs web Bank.
Saham (RUPS) suara (voting), baik secara terbuka Dokumen tersebut juga dibagikan kepada Pemegang
Principle 1: Increasing the maupun tertutup, yang mengedepankan Saham dan ditampilkan pada layar saat pembawa
Value of Holding General independensi dan kepentingan acara membacakan pokok-pokok tata tertib selama
Meeting of Shareholders Pemegang Saham. penyelenggaraan RUPS.
(GMS) Recommendation 1.1: The voting mechanism of the Annual GMS is set out in the
Public Companies have technical Meeting Procedures. The Procedures of the Annual GMS
methods or procedures for collecting dated May 16, 2024 can be accessed through the Bank›s
votes (voting), both in an open and website. The document is also distributed to Shareholders
close manner, which prioritize the and displayed on the screen when the MC reads the main
independence and interests of points of the procedures during the GMS.
Shareholders.
Rekomendasi 1.2: Terpenuhi Seluruh anggota Dewan Komisaris dan Direksi menghadiri
Seluruh anggota Direksi dan anggota Complied RUPS Tahunan tanggal 16 Mei 2024.
Dewan Komisaris Perusahaan Terbuka All members of the Board of Commissioners and Board
hadir dalam RUPS Tahunan. of Directors attended the Annual GMS on May 16, 2024.
Recommendation 1.2:
All members of the Board of Directors
and members of the Board of
Commissioners of the Public Company
are present at the Annual GMS.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 202
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Rekomendasi 1.3: Terpenuhi Ringkasan Risalah RUPS 2014-2024 tersedia di situs web
Ringkasan risalah RUPS tersedia dalam Complied Bank (www.banksinarmas.com) pada laman Hubungan
situs web Perusahaan Terbuka paling Investor.
sedikit selama 1 tahun. Summary of Minutes of the 2014-2024 GMS is available
Recommendation 1.3: on the Bank›s website (www.banksinarmas.com) on the
A summary of the minutes of the GMS Investor Relations page.
is available on the Public Company›s
website for at least 1 year.
Prinsip 2: Meningkatkan Rekomendasi 2.1: Terpenuhi Kebijakan komunikasi dengan Pemegang Saham atau
Kualitas Komunikasi Perusahaan Terbuka memiliki suatu Complied Investor tertuang dalam Surat Keputusan Direksi No.
Perusahaan Terbuka kebijakan komunikasi dengan Pemegang SK.102/2021/PRESDIR-Corsec. Adapun komunikasi yang
dengan Pemegang Saham atau investor. dilakukan oleh Bank, di antaranya melalui pelaksanaan
Saham atau Investor Recommendation 2.1: RUPS; Paparan Publik (Public Expose); publikasi Laporan
Principle 2: Improving the Public Companies have a communication Keuangan Bulanan, Triwulanan, dan Tahunan; serta
Quality of Public Company policy with Shareholders or investors. melakukan keterbukaan informasi secara akurat dan tepat
Communication with waktu. Bank Sinarmas juga menyediakan informasi alamat
Shareholders or Investors kantor pusat dan cabang, alamat e-mail, dan nomor
telepon, baik dalam situs web maupun Laporan Tahunan,
akses media sosial, dan contact center sebagai sarana
200 bagi Pemegang Saham maupun investor agar dapat
melakukan komunikasi dengan Bank secara mudah.
The communication policy with Shareholders or Investors
Ikhtisar Kinerja is stated in the Decree of the Board of Directors No.
2024 SK.102/2021/PRESDIR-Corsec. The communication
carried out by the Bank includes the implementation of
the GMS; Public Expose; publication of Monthly, Quarterly,
Laporan and Annual Financial Reports; and providing accurate
Manajemen and timely information disclosure. Bank Sinarmas also
provides information on the addresses of head offices
and branches, e-mail addresses, and telephone numbers,
Profil both on the website and in the Annual Report, social media
Perusahaan access, and contact centers as a means for Shareholders
and investors to communicate with the Bank easily.
Analisis dan Rekomendasi 2.2: Terpenuhi Bank memiliki Kebijakan Komunikasi dengan Pemegang
Pembahasan Perusahaan Terbuka mengungkapkan Complied Saham dan Investor melalui Surat Keputusan No.
Manajemen kebijakan komunikasi Perusahaan SK.102/2021/PRESDIR-CorSec. yang dapat menjadi acuan
Terbuka dengan Pemegang Saham atau bagi anak perusahaan.
investor dalam situs web. The Bank has a Communication Policy with Shareholders
Tinjauan Recommendation 2.2: and Investors through Decree No. SK.102/2021/PRESDIR-
Pendukung Public Companies disclose the Public CorSec. which can be a reference for subsidiaries.
Bisnis Company›s communication policy with
Shareholders or investors on the website.
TATA KELOLA Aspek 2: Fungsi dan Peran Dewan Komisaris
PERUSAHAAN Aspect 2: Functions and Roles of the Board of Commissioners
Prinsip 3: Memperkuat Rekomendasi 3.1: Terpenuhi Bank Sinarmas memiliki kebijakan penetapan calon
Laporan Keanggotaan dan Penentuan jumlah anggota Dewan Complied anggota Direksi, Dewan Komisaris, dan/atau Dewan
Keberlanjutan Komposisi Dewan Komisaris mempertimbangkan kondisi Pengawas Syariah sebagai pedoman bagi Komite
Komisaris Perusahaan Terbuka. Remunerasi dan Nominasi dalam proses nominasi anggota
Principle 3: Strengthening Recommendation 3.1: Dewan Komisaris dengan mempertimbangkan kebutuhan,
the Membership and Determination of the number of members kondisi, dan kemampuan Bank. Per 31 Desember 2024,
Composition of the Board of the Board of Commissioners takes Bank Sinarmas memiliki 3 orang Dewan Komisaris, dengan
of Commissioners into account the conditions of the Public 2 orang di antaranya merupakan Komisaris Independen.
Company. Jumlah anggota Dewan Komisaris tidak melebihi jumlah
anggota Direksi.
Bank Sinarmas has a policy for determining candidates
for members of the Board of Directors, Board of
Commissioners, and/or Sharia Supervisory Board as a
guideline for the Remuneration and Nomination Committee
in the nomination process for members of the Board of
Commissioners by considering the needs, conditions, and
capabilities of the Bank. As of December 31, 2024, Bank
Sinarmas has 3 members of the Board of Commissioners,
2 of whom are Independent Commissioners. The number
of members of the Board of Commissioners does not
exceed the number of members of the Board of Directors.
Rekomendasi 3.2: Terpenuhi Dewan Komisaris Bank Sinarmas memiliki beragam
Penentuan komposisi anggota Dewan Complied latar belakang pendidikan, keahlian, pengetahuan,
Komisaris memperhatikan keberagaman dan pengalaman yang diperlukan untuk mendukung
keahlian, pengetahuan, dan pengalaman efektivitas pengawasan terhadap perkembangan bisnis
yang dibutuhkan. Bank.
Recommendation 3.2: The Board of Commissioners of Bank Sinarmas has a
Determining the composition of the variety of educational backgrounds, expertise, knowledge
members of the Board of Commissioners and experience needed to support effective supervision
takes into account the diversity of of the Bank›s business development.
expertise, knowledge and experience
required.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 203
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Prinsip 4: Meningkatkan Rekomendasi 4.1: Terpenuhi Penilaian kinerja Dewan Komisaris dilakukan melalui self-
Kualitas Pelaksanaan Dewan Komisaris mempunyai kebijakan Complied assessment GCG, sebagai bagian dari penilaian GCG
Tugas dan Tanggung penilaian sendiri (self-assessment) untuk yang sesuai dengan Surat Edaran Otoritas Jasa Keuangan
Jawab Dewan Komisaris menilai kinerja Dewan Komisaris. No. 13/SEOJK.03/2017.
Principle 4: Improving the Recommendation 4.1: The performance assessment of the Board of
Quality of Implementation The Board of Commissioners has Commissioners is carried out through GCG self-
of the Duties and a self-assessment policy to assess assessment, as part of the GCG assessment in accordance
Responsibilities of the the performance of the Board of with Circular Letter of the Financial Services Authority No.
Board of Commissioners Commissioners. 13/SEOJK.03/2017.
Rekomendasi 4.2: Terpenuhi Uraian lengkap terkait penilaian kinerja Dewan Komisaris
Kebijakan penilaian sendiri (self- Complied telah diungkapkan dalam Laporan Tahunan dan
assessment) untuk menilai kinerja Dewan Keberlanjutan ini.
Komisaris, diungkapkan melalui Laporan A complete description of the Board of Commissioners’
Tahunan Perusahaan Terbuka. performance assessment has been disclosed in this
Recommendation 4.2: Annual and Sustainability Report.
Self-assessment policy to assess
the performance of the Board of
Commissioners, disclosed through the
Annual Report of the Public Company.
Rekomendasi 4.3: Terpenuhi Kebijakan pengunduran diri Dewan Komisaris tercantum
201
Dewan Komisaris mempunyai kebijakan Complied dalam Pedoman Dewan Komisaris yang ditetapkan melalui
terkait pengunduran diri anggota Surat Keputusan SK.041/2018/PRESDIR tentang Pedoman
2024
Dewan Komisaris apabila terlibat dalam Dewan Komisaris Rev 2.0 PT. Bank Sinarmas Tbk.
Performance
kejahatan keuangan. The resignation policy of the Board of Commissioners
Recommendation 4.3: is stated in the Board of Commissioners Guidelines
Highlights
The Board of Commissioners has a policy stipulated through Decree SK.041/2018/PRESDIR
regarding the resignation of members of concerning the Board of Commissioners Guidelines Rev
the Board of Commissioners if they are 2.0 of PT. Bank Sinarmas Tbk. Management
involved in financial crimes. Report
Rekomendasi 4.4: Terpenuhi Kebijakan terkait nominasi Direksi ditetapkan melalui
Dewan Komisaris atau Komite yang Complied Surat Keputusan SK.046/2019/PRESDIR-Corsec tentang
menjalankan Fungsi Nominasi dan Piagam Remunerasi dan Nominasi Revisi 3.0 PT. Bank Company
Remunerasi menyusun kebijakan suksesi Sinarmas Tbk. Profile
dalam proses nominasi anggota Direksi. The policy regarding the nomination of the Board of
Recommendation 4.4: Directors is stipulated through Decree SK.046/2019/
The Board of Commissioners or PRESDIR-Corsec concerning the Remuneration and Management
the Committee that carries out the Nomination Charter Revision 3.0 of PT. Bank Sinarmas Discussion and
Nomination and Remuneration Function Tbk. Analysis
shall prepare a succession policy in the
nomination process for members of the
Board of Directors.
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 204
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Functions and Roles of the Board of Directors
Prinsip 5: Memperkuat Rekomendasi 5.1: Terpenuhi Bank Sinarmas memiliki kebijakan penetapan calon
Keanggotaan dan Penentuan jumlah anggota Direksi Complied anggota Direksi, Dewan Komisaris, dan/atau Dewan
Komposisi Direksi mempertimbangkan kondisi perusahaan Pengawas Syariah sebagai pedoman bagi Komite
Principle 5: Strengthening terbuka, serta efektivitas dalam Remunerasi dan Nominasi dalam proses nominasi
the Membership and pengambilan keputusan. anggota Direksi dengan mempertimbangkan kebutuhan,
Composition of the Board Recommendation 5.1: kondisi, dan kemampuan Bank. Per 31 Desember 2024,
of Directors Determination of the number of members Direksi Bank beranggotakan 6 orang, disesuaikan dengan
of the Board of Directors takes into kompleksitas Bank. Jumlah tersebut lebih banyak dari
account the conditions of the public anggota Dewan Komisaris.
company, as well as the effectiveness of Bank Sinarmas has a policy of determining candidates
decision-making. for members of the Board of Directors, Board of
Commissioners, and/or Sharia Supervisory Board as
a guideline for the Remuneration and Nomination
Committee in the nomination process for members of the
Board of Directors by considering the needs, conditions,
and capabilities of the Bank. As of December 31, 2024,
the Bank›s Board of Directors consists of 6 members,
202 adjusted to the complexity of the Bank. This number is
more than the members of the Board of Commissioners.
Direktur Utama : Frenky Tirtowijoyo
Ikhtisar Kinerja President Director
2024
Direktur : Miko Andidjaja
Director
Laporan
Direktur : Ekajaya Ongny Putra
Manajemen
Director
Direktur : Enny Kamal
Profil Director
Perusahaan
Direktur : Sendy
Director
Analisis dan
Pembahasan Direktur : Amandalia Johanes
Manajemen Director
Rekomendasi 5.2: Terpenuhi Direksi Bank Sinarmas memiliki beragam latar belakang
Tinjauan
Penentuan komposisi anggota Direksi Complied pendidikan, keahlian, pengetahuan, dan pengalaman
Pendukung memperhatikan, keberagaman keahlian, yang diperlukan untuk mengoptimalkan pengambilan
Bisnis pengetahuan, dan pengalaman yang keputusan dan meningkatkan kinerja Bank.
dibutuhkan. The Board of Directors of Bank Sinarmas has a variety
Recommendation 5.2: of educational backgrounds, skills, knowledge and
TATA KELOLA
Determination of the composition of the experience needed to optimize decision making and
PERUSAHAAN
Board of Directors members improve the Bank›s performance.
takes into account the diversity of
Laporan expertise, knowledge, and experience
Keberlanjutan required.
Rekomendasi 5.3: Terpenuhi Bapak Frenky Tirtowijoyo selaku Direktur yang membawahi
Anggota Direksi yang membawahi Complied bidang akuntansi dan keuangan memiliki latar belakang
bidang akuntansi atau keuangan memiliki pendidikan, pengetahuan, keahlian serta pengalaman,
keahlian dan/atau pengetahuan di sebagaimana telah diungkapkan pada uraian Profil Direksi
bidang akuntansi. dalam Laporan Tahunan dan Keberlanjutan ini.
Recommendation 5.3: Mr. Frenky Tirtowijoyo as the Director in charge of
Board of Directors’ members who accounting and finance has an educational background,
oversee accounting or finance have knowledge, expertise and experience, as disclosed in the
expertise and/or knowledge in the field description of the Board of Directors› Profile in this Annual
of accounting. and Sustainability Report.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 205
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Prinsip 6: Meningkatkan Rekomendasi 6.1: Terpenuhi Penilaian kinerja Direksi dilakukan melalui self-assessment
Kualitas Pelaksanaan Direksi mempunyai kebijakan penilaian Complied GCG, sebagai bagian dari penilaian GCG yang sesuai
Tugas dan Tanggung sendiri (self-assessment) untuk menilai dengan Surat Edaran Otoritas Jasa Keuangan No. 13/
Jawab Direksi kinerja Direksi. SEOJK.03/2017.
Principle 6: Improving Recommendation 6.1: The Board of Directors› performance assessment is
the Quality of the The Board of Directors has a self- carried out through GCG self-assessment, as part of the
Implementation assessment policy to assess the GCG assessment in accordance with Circular Letter of the
of the Duties and performance of the Board of Directors Financial Services Authority No. 13/SEOJK.03/2017.
Responsibilities of the
Board of Directors Rekomendasi 6.2: Terpenuhi Uraian lengkap terkait penilaian kinerja Direksi telah
Kebijakan penilaian sendiri (self- Complied diungkapkan dalam Laporan Tahunan dan Keberlanjutan
assessment) untuk menilai kinerja ini.
Direksi, diungkapkan melalui Laporan A complete description of the Board of Directors›
Tahunan Perusahaan Terbuka. performance assessment has been disclosed in this
Recommendation 6.2: Annual and Sustainability Report.
Self-assessment policy to assess the
performance of the Board of Directors,
disclosed through the Annual Report of
the Public Company.
Rekomendasi 6.3:
Direksi mempunyai kebijakan terkait
Terpenuhi
Complied
Kebijakan pengunduran diri Direksi tercantum dalam
Pedoman Direksi Rev 2.0/2018.
203
pengunduran diri anggota Dewan The policy for resignation of the Board of Directors is
Komisaris apabila terlibat dalam stated in the Board of Directors Guidelines Rev 2.0/2018. 2024
kejahatan keuangan. Performance
Recommendation 6.3: Highlights
The Board of Directors has a policy
regarding the resignation of members of
the Board of Commissioners if they are
involved in financial crimes.
Management
Report
Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholder Participation
Prinsip 7: Meningkatkan Rekomendasi 7.1: Terpenuhi Kebijakan untuk mencegah insider trading tercantum Company
Aspek Tata Kelola Perusahaan Terbuka memiliki kebijakan Complied dalam Kode Etik dan Pedoman Tingkah Laku yang telah Profile
Perusahaan melalui untuk mencegah terjadinya insider diunggah pada situs web Bank.
Partisipasi Pemangku trading. The policy to prevent insider trading is stated in the
Kepentingan Recommendation 7.1: Code of Ethics and Code of Conduct, which have been Management
Principle 7: Improving Public Companies have policies to uploaded on the Bank›s website. Discussion and
Corporate Governance prevent insider trading. Analysis
Aspects through
Stakeholder Participation
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 206
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Rekomendasi 7.2: Terpenuhi Bank Sinarmas telah memiliki ketentuan internal terkait
Perusahaan Terbuka memiliki kebijakan Complied anti penyuapan yang diatur pada Surat Keputusan No.
anti korupsi dan anti-fraud. SK.039/2021/Dir1-Comp tentang SOP Sistem Manajemen
Recommendation 7.2: Anti Penyuapan. SOP Sistem Manajemen Anti Penyuapan ini
Public Companies have anti-corruption merupakan bentuk pernyataan prinsip dan komitmen Bank
and anti-fraud policies. Sinarmas dalam mendukung praktik anti suap di lingkungan
Bank Sinarmas. Selain itu, SOP Sistem Manajemen Anti
Penyuapan berfungsi sebagai informasi atau panduan oleh
Manajemen, karyawan, dan/atau pihak-pihak yang bekerja
untuk dan atas nama Bank Sinarmas tentang cara mengenali,
memahami, menyampaikan, dan menangani masalah suap.
Kebijakan Anti-Fraud Bank merupakan landasan pokok
penerapan strategi Anti-Fraud melalui 4 pilar sistem
pengendalian fraud, yaitu Pencegahan Fraud, Deteksi
Fraud, Investigasi, Pelaporan dan Pengenaan Sanksi Fraud,
Pemantauan, Evaluasi, serta Tindak Lanjut Fraud. Kerangka
kerja Anti-Fraud Bank Sinarmas dibangun berlandaskan
tata kelola perusahaan (corporate governance) dengan
204 penerapan yang berfokus pada pengendalian fraud, budaya
etika yang didukung dengan kode etik (code of conduct),
anti-fraud culture & awareness, serta whistleblowing system.
Bank Sinarmas has internal provisions related to anti-bribery
Ikhtisar Kinerja
regulated in Decree No. SK.039/2021/Dir1-Comp concerning
2024 the Anti-Bribery Management System SOP. This Anti-Bribery
Management System SOP is a form of statement of principles
Laporan and commitment of Bank Sinarmas in supporting anti-bribery
practices in the Bank Sinarmas environment. In addition,
Manajemen
the Anti-Bribery Management System SOP functions as
information or guidance for Management, employees, and/or
Profil parties working for and on behalf of Bank Sinarmas on how
Perusahaan to recognize, understand, convey, and handle bribery issues.
The Bank›s Anti-Fraud Policy is the main foundation for
Analisis dan implementing the Anti-Fraud strategy through 4 pillars of
Pembahasan the fraud control system, namely Fraud Prevention, Fraud
Manajemen Detection, Investigation, Reporting and Imposition of Fraud
Sanctions, Monitoring, Evaluation, and Fraud Follow-up.
Bank Sinarmas› Anti-Fraud framework is built on the basis
Tinjauan of corporate governance with an implementation that
Pendukung focuses on fraud control, an ethical culture supported by
Bisnis a code of conduct, anti-fraud culture & awareness, and a
whistleblowing system.
TATA KELOLA Rekomendasi 7.3: Terpenuhi Kebijakan Manajemen Vendor telah diunggah pada situs
PERUSAHAAN Perusahaan Terbuka memiliki kebijakan Complied web Bank. Kebijakan ini meliputi tata cara pemilihan
tentang seleksi dan peningkatan vendor, hubungan dengan vendor, pembelian barang dan
kemampuan pemasok atau vendor. sistem pembayaran.
Laporan Recommendation 7.3: Vendor Management Policy has been uploaded on
Keberlanjutan The Public Company has a policy on the the Bank›s website. This policy covers procedures for
selection and improvement of supplier or vendor selection, vendor relations, purchasing goods and
vendor capabilities. payment systems.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 207
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Rekomendasi 7.4: Terpenuhi Bank Sinarmas menjamin pemenuhan hak-hak kreditur dalam:
Perusahaan Terbuka memiliki kebijakan Complied • Hak untuk mendapat informasi yang jelas.
tentang pemenuhan hak-hak kreditur. • Hak untuk menyampaikan saran/masukan, keluhan/
Recommendation 7.4: pengaduan serta memperoleh penyelesaiannya.
Public Companies have policies • Hak untuk menerima hak-hak kreditur sesuai dengan
regarding the fulfillment of creditor rights. perjanjian yang disepakati.
• Hak untuk mendapatkan akses Laporan Tahunan dan
Laporan Keuangan yang telah diaudit.
• Hak untuk mendapatkan informasi dan kemudahan
akses pengumuman, pemanggilan dan hasil RUPS sesuai
dengan tata cara yang diatur dalam regulasi terkait RUPS.
Dalam pelaksanaannya, Bank Sinarmas berkomitmen
untuk selalu memenuhi hak-hak kreditur sesuai
kesepakatan yang ditetapkan bersama terkait hak-hak
kreditur dalam hubungan antara Bank dengan Kreditur.
Bank Sinarmas guarantees the fulfillment of creditors’ rights in:
• The right to obtain clear information.
• The right to submit suggestions/input, complaints/
complaints as well as to obtain the settlement. 205
• The right to receive creditor rights in accordance with
the agreed agreement.
• The right to obtain access to audited Annual Reports 2024
and Financial Statements. Performance
• The right to obtain information and easy access Highlights
to announcements, invitations and GMS results in
accordance with the procedures stipulated in the
regulations related to GMS. Management
Report
In its implementation, Bank Sinarmas is committed to always
fulfill the creditor’s rights in accordance with the agreement
stipulated together related to the creditor’s rights in the
Company
relationship between the Bank and the Creditor.
Profile
Rekomendasi 7.5: Terpenuhi Kebijakan Whistleblowing System telah diunggah pada
Perusahaan Terbuka memiliki kebijakan Complied situs web Bank. Kebijakan tersebut mencakup jenis
sistem whistleblowing. pelanggaran yang dapat dilaporkan, cara pengaduan, Management
Recommendation 7.5: perlindungan dan jaminan kerahasiaan pelapor, Discussion and
Public Companies have a whistleblowing penanganan pengaduan, pihak yang mengelola aduan,
Analysis
system policy. hasil penanganan dan tindak lanjut pengaduan sesuai
dengan ketentuan Otoritas Jasa Keuangan. Uraian
lengkap terkait Kebijakan Whistleblowing System
diungkapkan pada Laporan Tahunan. Business
The Whistleblowing System Policy has been uploaded Support
on the Bank›s website. The policy covers the types of Overview
violations that can be reported, how to file a complaint,
protection and guarantee of confidentiality of the
whistleblower, handling of complaints, the party managing CORPORATE
the complaint, the results of handling and follow-up of GOVERNANCE
complaints in accordance with the provisions of the
Financial Services Authority. A complete description of the
Whistleblowing System Policy is disclosed in the Annual
Report.
Sustainability
Report
Rekomendasi 7.6: Terpenuhi Bank Sinarmas telah memiliki Kebijakan Remunerasi
Perusahaan Terbuka memiliki kebijakan Complied Variabel bagi Direksi dan Karyawan yang masuk dalam
pemberian insentif jangka panjang kriteria material risk takers, dengan menerapkan deferral
kepada Direksi dan karyawan. sebagian nominal dari Bonus Tahunan selama 3 tahun
Recommendation 7.6: sejalan dengan POJK 45/2015.
The Public Company has a policy of Bank Sinarmas has a Variable Remuneration Policy for
providing long-term incentives to the Directors and Employees who are included in the criteria
Board of Directors and employees. of material risk takers, by applying deferrals of a nominal
portion of the Annual Bonus for 3 years in accordance with
POJK 45/2015.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 208
Prinsip Rekomendasi Pemenuhan Implementasi di Bank Sinarmas
Principle Recommendation Compliance Implementation at Bank Sinarmas
Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8: Meningkatkan Rekomendasi 8.1: Terpenuhi Selain situs web perusahaan, Bank Sinarmas juga
Pelaksanaan Keterbukaan Perusahaan Terbuka memanfaatkan Complied memanfaatkan teknologi informasi lainnya, seperti e-mail,
Informasi penggunaan teknologi informasi secara media cetak, media sosial (seperti Instagram, Facebook,
Principle 8: Improving lebih luas selain situs web sebagai media X, Instagram, Tiktok, LinkedIn, dan Youtube), layar/TV di
the Implementation of keterbukaan informasi. kantor cabang, ATM, dan SIMOBI sebagai saluran media
Information Disclosure Recommendation 8.1: untuk keterbukaan informasi.
Public Companies utilize information In addition to the company website, Bank Sinarmas also
technology more widely in addition to utilizes other information technologies, such as e-mail,
websites as a medium for information print media, social media (such as Instagram, Facebook,
disclosure. X, Instagram, Tiktok, LinkedIn, and Youtube), screens/TVs
at branch offices, ATMs, and SIMOBI as media channels
for information disclosure.
Rekomendasi 8.2: Terpenuhi Bank telah mengungkapkan informasi mengenai
Laporan Tahunan Perusahaan Terbuka Complied Pemegang Saham yang memiliki 5% atau lebih saham
mengungkapkan pemilik manfaat akhir Bank dalam Laporan Tahunan dan Keberlanjutan pada
dalam kepemilikan saham perusahaan bagian Komposisi Pemegang Saham.
206 terbuka paling sedikit 5%, selain
pengungkapan pemilik manfaat akhir
The Bank has disclosed information regarding
Shareholders who own 5% or more of the Bank›s shares
dalam kepemilikan saham Perusahaan in the Annual and Sustainability Report in the Shareholder
Ikhtisar Kinerja Terbuka melalui Pemegang Saham Composition section.
2024 Utama dan Pengendali.
Recommendation 8.2:
The Annual Report of a Public Company
Laporan discloses the ultimate beneficial owner
Manajemen in the ownership of shares of the public
company of at least 5%, in addition to
the disclosure of the ultimate beneficial
Profil owner in the ownership of shares of the
Perusahaan Public Company through Majority and
Controlling Shareholders.
Analisis dan
Pembahasan
Manajemen Penilaian Penerapan GCG Tahun 2024 GCG Implementation Assessment in 2024
Bank Sinarmas melaksanakan penilaian sendiri (self- Bank Sinarmas conducted a self-assessment as proof of
Tinjauan assessment) sebagai bukti kepatuhan Bank terhadap the Bank’s compliance with Financial Services Authority
Pendukung
Bisnis
Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 dan Regulation No. 17 of 2023 and Financial Services Authority
Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 Circular Letter No. 13/SEOJK.03/2017 concerning the
TATA KELOLA tentang Penerapan Tata Kelola bagi Bank Umum. Penilaian Implementation of Governance for Commercial Banks. The
PERUSAHAAN tersebut dilaksanakan 2 (dua) kali dalam 1 (satu) tahun untuk assessment is carried out 2 (two) times in 1 (one) year for the
posisi akhir bulan Juni dan akhir bulan Desember dengan positions at the end of June and the end of December, with
Laporan penyampaian laporan kepada Otoritas Jasa Keuangan the submission of reports to the Financial Services Authority
Keberlanjutan dilaksanakan sesuai dengan periode penilaian Tingkat carried out in accordance with the Bank’s Soundness Level
Kesehatan Bank paling lambat 31 Juli dan dan 31 Desember. assessment period no later than July 31 and December 31.
Pelaksana Penilaian Party Conducting the Assessment
Self-assessment GCG dilakukan secara internal dengan The GCG self-assessment is carried out internally by
melibatkan Dewan Komisaris, Direksi, Pejabat Eksekutif, dan involving the Board of Commissioners, the Board of
unit-unit independen di Bank. Keterlibatan berbagai pihak Directors, Executive Officers, and independent units at the
yang relevan ini bertujuan untuk menghasilkan evaluasi yang Bank. The involvement of various relevant parties aims to
komprehensif dan terstruktur terhadap efektivitas sistem tata produce a comprehensive and structured evaluation of the
kelola serta kualitas hasil tata kelola Bank. effectiveness of the Bank’s governance system and the
quality of the Bank’s governance results.
Kriteria Penilaian Assessment Criteria
Pelaksanaan self-assessment Bank Sinarmas dilakukan The implementation of Bank Sinarmas’ self-assessment is
secara komprehensif dan terstruktur, mengacu pada kriteria carried out comprehensively and structured, referring to the
yang tercantum dalam Surat Edaran Otoritas Jasa Keuangan criteria stated in the Financial Services Authority Circular
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Letter No. 13/SEOJK.03/2017 on the Implementation of
Bank Umum. Berdasarkan peraturan tersebut, penilaian Governance for Commercial Banks. Based on the regulation,
dilakukan dengan mempertimbangkan 11 faktor penilaian the assessment is carried out by considering 11 assessment
penerapan GCG, terdiri dari: factors for the implementation of GCG, consisting of:
1. Pelaksanaan Tugas dan Tanggung Jawab Direksi; 1. Implementation of Duties and Responsibilities of the
Board of Directors;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 209
2. Pelaksanaan Tugas dan Tanggung Jawab Dewan 2. Implementation of Duties and Responsibilities of the
Komisaris; Board of Commissioners;
3. Kelengkapan dan Pelaksanaan Tugas Komite; 3. Completeness and Implementation of Committee Duties;
4. Penanganan Benturan Kepentingan; 4. Handling of Conflicts of Interest;
5. Penerapan Fungsi Kepatuhan Bank; 5. Implementation of the Bank’s Compliance Function;
6. Penerapan Fungsi Audit Internal; 6. Implementation of the Internal Audit Function;
7. Penerapan Fungsi Audit Ekstern; 7. Implementation of the External Audit Function;
8. Penerapan Fungsi Manajemen Risiko dan Pengendalian 8. Implementation of the Risk Management and Internal
Internal; Control Function;
9. Penyediaan Dana Kepada Pihak Terkait (Related Party) 9. Provision of Funds to Related Parties and Large
dan Debitur Besar (Large Exposures); Exposures;
10. Transparansi Kondisi Keuangan dan Non-Keuangan 10. Transparency of the Bank’s Financial and Non-Financial
Bank, Laporan Pelaksanaan GCG dan Laporan Internal; Conditions, GCG Implementation Reports, and Internal
dan Reports; and
11. Rencana Strategis Bank. 11. Bank’s Strategic Plan.
Hasil Penilaian Assessment Results
207
Hasil penilaian self-assessment Bank Sinarmas untuk tahun The results of Bank Sinarmas’ self-assessment for 2024 are
2024
2024 adalah “2”, dengan rincian sebagai berikut. “2,” with the following details. Performance
Faktor Penilaian Tata Kelola Peringkat (Nilai) Highlights
Governance Assessment Factors Rating (Score)
Pelaksanaan Tugas dan Tanggung Jawab Direksi Management
2
Implementation of Duties and Responsibilities of the Board of Directors Report
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris 2
Implementation of Duties and Responsibilities of the Board of Commissioners
Company
Kelengkapan dan Pelaksanaan Tugas Komite 2
Completeness and Implementation of Committee Duties
Profile
Penanganan Benturan Kepentingan 2
Handling of Conflicts of Interest Management
Penerapan Fungsi Kepatuhan Bank 2 Discussion and
Implementation of Bank Compliance Function Analysis
Penerapan Fungsi Audit Internal 2
Implementation of Internal Audit Function
Business
Penerapan Fungsi Audit Ekstern 2 Support
Implementation of External Audit Function Overview
Penerapan Fungsi Manajemen Risiko dan Pengendalian Internal 2
Implementation of Risk Management and Internal Control Function
CORPORATE
Penyediaan Dana Kepada Pihak Terkait (Related Party) dan Debitur Besar (Large Exposures) 2 GOVERNANCE
Provision of Funds to Related Parties and Large Exposures
Transparansi Kondisi Keuangan dan Non-Keuangan Bank, Laporan Pelaksanaan GCG dan Laporan Internal 2
Transparency of Bank Financial and Non-Financial Conditions, GCG Implementation Reports and Internal Reports Sustainability
Report
Rencana Strategis Bank 2
Bank Strategic Plan
Peringkat Komposit 2
Composite Rating
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 210
Analisis Analysis
Berdasarkan hasil self-assessment untuk periode pelaporan Based on the self-assessment results for the 2024
2024, maka dapat disimpulkan bahwa penerapan GCG Bank reporting period, it can be concluded that the Bank’s GCG
berada pada peringkat 2. implementation rating is 2.
Analisis
Analysis
Pelaksanaan Tugas • Bank telah memiliki Direksi berjumlah 6 (enam) orang yang terdiri dari 1 (satu) Direktur Utama dan 5 (lima) Direktur.
dan Tanggung Jawab • Bank telah menunjuk dan mengangkat Direktur yang membawahi fungsi kepatuhan berdasarkan persetujuan OJK
Direksi melalui SK Anggota Dewan Komisioner No KEPR-109/D03/2024 tanggal 30 Agustus 2024 dan RUPS Luar Biasa pada
Implementation tanggal 28 Oktober 2024.
of Duties and • Jumlah, komposisi, integritas dan kompetensi anggota Direksi sesuai dengan ukuran dan kompleksitas usaha Bank serta
Responsibilities of the telah memenuhi ketentuan yang berlaku.
Board of Directors • Direksi telah memiliki Pedoman dan Tata Tertib Kerja. Pedoman Direksi mengatur tugas dan tanggung jawab Direksi
secara umum, sedangkan Tata Tertib Kerja Direksi secara garis besar mengatur teknis dalam pelaksanaan tugas dan
tanggung jawab Direksi.
• Pelaksanaan tugas dan tanggung jawab Direksi berjalan efektif dan memenuhi prinsip-prinsip Tata Kelola.
• Direksi telah menyelenggarakan rapat dengan efektif dan efisien dan hasil rapat dituangkan dalam risalah rapat serta
didokumentasikan dengan baik.
208 • Aspek transparansi anggota Direksi cukup baik dan tidak pernah melanggar ketentuan/perundangan yang berlaku.
• The Bank has a Board of Directors consisting of 6 (six) people, including 1 (one) President Director and 5 (five) Directors.
• The Bank has appointed and elected a Director who oversees the compliance function based on the approval of the OJK
Ikhtisar Kinerja through the Decree of the Members of the Board of Commissioners No. KEPR-109/D03/2024 dated August 30, 2024, and
2024 the Extraordinary GMS on October 28, 2024.
• The number, composition, integrity, and competence of members of the Board of Directors are in accordance with the
size and complexity of the Bank's business and have complied with applicable provisions.
Laporan • The Board of Directors has a Guideline and Work Procedures. The Board of Directors Guidelines regulate the duties and
Manajemen responsibilities of the Board of Directors in general, while the Board of Directors Work Procedures broadly regulate the
technical aspects of implementing the duties and responsibilities of the Board of Directors.
• The implementation of the duties and responsibilities of the Board of Directors is effective and meets the principles of
Profil
Governance.
Perusahaan
• The Board of Directors has held meetings effectively and efficiently, and the results of the meetings are stated in the
minutes of the meeting and are well documented.
Analisis dan • The transparency aspect of the Board of Directors members is quite good and has never violated applicable provisions/
Pembahasan legislation.
Manajemen Pelaksanaan Tugas • Jumlah, komposisi, integritas, dan kompetensi anggota Dewan Komisaris telah sesuai dengan ketentuan yang berlaku;
dan Tanggung Jawab • Dewan Komisaris tidak merangkap jabatan sebagai Komisaris, Direksi, atau Pejabat Eksekutif pada Bank lain;
Dewan Komisaris • Dewan Komisaris telah memiliki Pedoman dan Tata Tertib Kerja yang antara lain mencantumkan mengenai keanggotaan,
Tinjauan
Implementation masa jabatan, nilai-nilai, ketentuan rapat secara umum, waktu kerja, dan lain sebagainya;
Pendukung of Duties and • Pelaksanaan tugas dan tanggung jawab Dewan Komisaris telah berjalan efektif sesuai dengan Anggaran Dasar Bank;
Bisnis Responsibilities • Dalam melaksanakan fungsi pengawasan, Dewan Komisaris telah membentuk Komite Audit, Komite Pemantau Risiko,
of the Board of serta Komite Remunerasi dan Nominasi;
Commissioners • Dewan Komisaris telah menyelenggarakan rapat dengan efektif dan efisien serta hasil rapat telah dituangkan dalam
TATA KELOLA
notulen rapat dan di administrasikan dengan baik; dan
PERUSAHAAN
• Aspek transparansi anggota Dewan Komisaris cukup baik dan telah sesuai dengan ketentuan yang berlaku.
• The number, composition, integrity, and competence of the members of the Board of Commissioners are in accordance
Laporan with applicable provisions;
Keberlanjutan • The Board of Commissioners does not hold concurrent positions as Commissioners, Directors, or Executive Officers at
other Banks;
• The Board of Commissioners has a Guideline and Work Procedures, which include, among others, membership, term of
office, values, general meeting provisions, working hours, and so forth;
• The implementation of the duties and responsibilities of the Board of Commissioners has been effective in accordance
with the Bank's Articles of Association;
• In carrying out its supervisory function, the Board of Commissioners has formed an Audit Committee, a Risk Monitoring
Committee, and a Remuneration and Nomination Committee;
• The Board of Commissioners has held meetings effectively and efficiently, and the results of the meetings have been
stated in the minutes of the meeting and properly administered; and
• The transparency aspect of the members of the Board of Commissioners is quite good and in accordance with applicable
provisions.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 211
Analisis
Analysis
Kelengkapan dan • Komposisi dan kompetensi seluruh anggota Komite-komite telah memenuhi ketentuan regulator;
Pelaksanaan Tugas • Komite Audit, Komite Pemantau Risiko, serta Komite Remunerasi dan Nominasi telah menjalankan fungsinya dengan
Komite efektif tergambar dari Rapat Komite yang telah dilaksanakan sesuai dengan agenda yang ditetapkan;
Completeness and • Tugas dan tanggung jawab Komite secara keseluruhan berjalan efektif;
Implementation of • Hasil Rapat Komite merupakan rekomendasi yang dapat dimanfaatkan dan menjadi masukan bagi Dewan Komisaris
Committee Duties dalam melakukan fungsi pengawasan;
• Hasil rapat Komite dituangkan dalam risalah rapat dan didokumentasikan dengan baik, sampai saat ini tidak terjadi
perbedaan pendapat (dissenting opinions)
• The composition and competence of all members of the Committees have met the regulatory requirements;
• The Audit Committee, Risk Monitoring Committee, and Remuneration and Nomination Committee have carried out
their functions effectively, as reflected in the Committee Meetings that have been carried out in accordance with the
established agenda;
• The duties and responsibilities of the Committees as a whole have been carried out effectively;
• The results of the Committee Meetings are recommendations that can be utilized and become input for the Board of
Commissioners in carrying out their supervisory function;
• The results of the Committee meetings are stated in the minutes of the meeting and are well documented, and to date
there have been no dissenting opinions
Penanganan Benturan • Bank telah memiliki kebijakan, sistem, dan prosedur penyelesaian benturan kepentingan pada Surat Keputusan No.
Kepentingan SK.053/2020/PRESDIR-CorSec tentang Transaksi Afiliasi dan Transaksi Benturan Kepentingan serta Transaksi Material
Handling Conflict of
Interest
dan Perubahan Kegiatan Usaha yang mengatur tentang transaksi yang mengandung benturan kepentingan dan tertib
administrasi yang harus dilakukan; dan
209
• Bank mampu menghindari potensi terjadinya benturan kepentingan.
• The Bank has policies, systems, and procedures for resolving conflicts of interest in Decree No. SK.053/2020/PRESDIR- 2024
CorSec concerning Affiliated Transactions and Conflict of Interest Transactions as well as Material Transactions and Performance
Changes in Business Activities that regulate transactions containing conflicts of interest and administrative procedures Highlights
that must be carried out; and
• The Bank is able to avoid potential conflicts of interest.
Penerapan Fungsi • Satuan Kerja Kepatuhan dalam menjalankan fungsinya bersifat Independen terhadap satuan kerja operasional; Management
Kepatuhan Bank • Satuan Kerja Kepatuhan telah mendukung pelaksanaan tugas dan tanggung jawab Direktur Kepatuhan sesuai dengan Report
Implementation of peraturan yang berlaku;
Bank Compliance • Satuan Kerja Kepatuhan memberikan opini kepatuhan untuk memastikan bahwa kebijakan, ketentuan, sistem dan
Function prosedur, serta kegiatan usaha Bank telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan peraturan perundangan- Company
undangan; Profile
• Satuan Kerja Kepatuhan bersama Direktur yang membawahi kepatuhan serta seluruh pemangku kepentingan senantiasa
menerapkan Budaya Kepatuhan yang lebih baik; dan
• Satuan Kerja Kepatuhan telah menyampaikan Laporan Pelaksanaan Tugas dan Tanggung Jawab Direktur yang
membawahi kepatuhan sesuai dengan ketentuan regulator dan disampaikan secara tepat waktu. Management
• The Compliance Work Unit, in carrying out its functions, is independent of the operational work unit; Discussion and
• The Compliance Work Unit has supported the implementation of the duties and responsibilities of the Compliance Analysis
Director in accordance with applicable regulations;
• The Compliance Work Unit provides a compliance opinion to ensure that the Bank's policies, provisions, systems and
procedures, and business activities are in accordance with the provisions of the Financial Services Authority and laws and Business
regulations; Support
• The Compliance Work Unit, together with the Director in charge of compliance and all stakeholders, always implements Overview
a better Compliance Culture; and
• The Compliance Work Unit has submitted a Report on the Implementation of Duties and Responsibilities of the Director
in charge of compliance in accordance with regulatory provisions and submitted it in a timely manner.
CORPORATE
Penerapan Fungsi • Satuan Kerja Audit Internal (SKAI) secara struktur berada dibawah Direktur Utama dan independen terhadap satuan kerja GOVERNANCE
Audit Internal operasional.
Implementation of the • Bank telah memiliki Piagam Audit Intern dengan SK.004/2024/PRESDIR-IAG tanggal 11 Januari 2024 dan Kebijakan
Internal Audit Function Internal Audit dengan SK.015/2024/PRESDIR-IAG tanggal 26 Maret 2024. Sustainability
• Fungsi Audit Intern Bank telah berjalan efektif pada seluruh aspek kegiatan sebagaimana diatur dalam Pedoman Kerja
Report
dan metodologi internal audit.
• SKAI melakukan pemantauan dan analisis terhadap tindak lanjut perbaikan yang dilakukan auditee.
• Satuan Kerja Audit Internal (SKAI) telah bertindak objektif dalam melakukan audit.
• Bank terus berupaya untuk meningkatkan sistem pengendalian intern agar dapat dijalankan secara efektif dan efisien,
dan prosedur pengawasan dilaksanakan tanpa pengecualian.
• The Internal Audit Work Unit (SKAI) is structurally under the President Director and is independent of the operational work
unit.
• The Bank has an Internal Audit Charter with SK.004/2024/PRESDIR-IAG dated January 11, 2024, and an Internal Audit
Policy with SK.015/2024/PRESDIR-IAG dated March 26, 2024.
• The Bank's Internal Audit function has been running effectively in all aspects of activities as regulated in the Work
Guidelines and internal audit methodology.
• SKAI monitors and analyzes the follow-up to improvements made by the auditee.
• The Internal Audit Work Unit (SKAI) has acted objectively in conducting audits.
• The Bank continues to strive to improve the internal control system, ensuring that it can be run effectively and efficiently,
and supervisory procedures are implemented without exception.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 212
Analisis
Analysis
Penerapan Fungsi • Penugasan Bank kepada akuntan publik (AP) dan kantor akuntan publik (KAP) telah memenuhi standar yang berlaku
Audit Ekstern umum baik dari aspek kapasitas KAP, legalitas perjanjian kerja, ruang lingkup audit, dan standar profesional akuntan
Implementation publik (SPAP) yang telah tertuang dalam perjanjian kerja tertulis;
of External Audit • Bank telah menunjuk AP dan KAP yang telah terdaftar di Otoritas Jasa Keuangan;
Function • Pelaksanaan audit oleh AP dan KAP yang ditunjuk dilakukan secara independen dan memenuhi kriteria yang ditetapkan;
• AP telah melaksanakan audit secara independen dan profesional; dan
• Hasil audit dan management letter telah disampaikan kepada Otoritas Jasa Keuangan oleh KAP yang ditunjuk.
• The Bank's assignment to public accountants (AP) and public accounting firms (KAP) has met generally applicable
standards in terms of KAP capacity, legality of work agreement, audit scope, and public accountant professional standards
(SPAP) that have been stated in a written work agreement;
• The Bank has appointed AP and KAP that have been registered with the Financial Services Authority;
• The audit implementation by the appointed AP and KAP is carried out independently and meets the established criteria;
• AP has carried out the audit independently and professionally; and
• The audit results and management letter have been submitted to the Financial Services Authority by the appointed KAP.
Penerapan Fungsi • Bank telah memiliki struktur organisasi yang memadai untuk mendukung penerapan manajemen risiko dan pengendalian
Manajemen Risiko dan intern;
Pengendalian Internal • Dewan Komisaris telah mengevaluasi dan menyetujui kebijakan yang akan digunakan sebagai pedoman dalam
Implementation of penerapan manajemen risiko;
Risk Management • Pelaksanaan review dan kaji ulang dilakukan secara berkala sesuai kebutuhan Bank terhadap penanganan kelemahan-
210 and Internal Control
Functions
kelemahan agar tidak terjadi pengaruh yang signifikan pada kondisi Bank;
• Bank telah melakukan pengembangan Budaya Manajemen Risiko, termasuk kesadaran risiko pada seluruh jenjang
organisasi;
Ikhtisar Kinerja • Bank melakukan aktivitas bisnis yang sesuai dengan kemampuan permodalan untuk menyerap kemungkinan risiko
2024 kerugian.
• The Bank has an adequate organizational structure to support the implementation of risk management and internal
control;
Laporan • The Board of Commissioners has evaluated and approved the policies that will be used as guidelines in the implementation
Manajemen of risk management;
• The implementation of reviews and re-examinations is carried out periodically according to the Bank's needs for handling
weaknesses, ensuruing that there is no significant impact on the Bank's condition;
Profil • The Bank has developed a Risk Management Culture, including risk awareness at all levels of the organization;
Perusahaan • The Bank carries out business activities in accordance with its capital capacity to absorb possible risks of loss.
Penyediaan Dana • Bank telah memiliki kebijakan, sistem, dan prosedur tertulis yang berkaitan dengan penyediaan dana kepada pihak
Analisis dan Kepada Pihak Terkait terkait (related party) dan penyediaan dana besar (large exposure) sebagaimana tertuang pada Surat Keputusan No.
Pembahasan (Related Party) dan SK.021/2023/DIR1-RMG tentang Kebijakan Perkreditan Bank;
Manajemen Debitur Besar (Large • Bank telah memiliki Sistem Pelaporan dan Monitoring Penyediaan Dana dan BMPK sehingga semua informasi terintegrasi
Exposures) dan terotomatisasi dan tersimpan dalam satu database, sekaligus untuk automasi pelaporan penyediaan dana dan BMPK.
Provision of Funds to • Bank dalam mengambil keputusan terhadap penyediaan dana diputuskan oleh manajemen secara independen tanpa
Tinjauan Related Parties and intervensi dari pihak terkait dan/atau pihak lainnya serta dilakukan berdasarkan kewenangan memutusnya; dan
Pendukung Large Debtors (Large • Bank telah menyampaikan Laporan Penyediaan Dana kepada Pihak Terkait dan/atau Penyediaan Dana Besar kepada
Bisnis Exposures) Otoritas Jasa Keuangan secara tepat waktu.
• The Bank has written policies, systems, and procedures related to the provision of funds to related parties and the
provision of large exposure as stated in Decree No. SK.021/2023/DIR1-RMG concerning Bank Credit Policy;
TATA KELOLA • The Bank has a Reporting and Monitoring System for the Provision of Funds and BMPK, ensuring that all information is
PERUSAHAAN integrated and automated and stored in one database, as well as for automation of reporting on the provision of funds
and BMPK.
• The Bank in making decisions regarding the provision of funds, is decided by management independently without
Laporan
intervention from related parties and/or other parties and is carried out based on the authority to decide; and
Keberlanjutan
• The Bank has submitted the Report on the Provision of Funds to Related Parties and/or Provision of Large Exposures to
the Financial Services Authority in a timely manner.
Transparansi Kondisi • Bank telah memiliki kebijakan dan prosedur mengenai tata cara pelaksanaan transparansi kondisi keuangan dan non-
Keuangan dan Non- keuangan sebagaimana diatur pada Surat Keputusan No. SK.102/2021/PRESDIR-Corsec Tanggal 29 Oktober 2021
Keuangan Bank, tentang Kebijakan Komunikasi dengan Pemegang Saham dan Investor Versi 1.0 PT. Bank Sinarmas Tbk.;
Laporan Pelaksanaan • Bank telah transparan dalam menyampaikan informasi keuangan Bank dan non-keuangan Bank kepada pemangku
GCG dan Laporan kepentingan, termasuk mengumumkan Laporan Keuangan Publikasi Triwulanan maupun Tahunan dan melaporkannya
Internal kepada Otoritas Jasa Keuangan atau pemangku kepentingan sesuai ketentuan yang berlaku;
Transparency of Bank • Bank telah memiliki tata cara pengaduan nasabah melalui website Bank, perjanjian dan/atau dokumen pemanfaatan
Financial and Non- produk dan/atau layanan, Call Center, atau disampaikan melalui petugas Bank yang telah diatur dalam SOP Penanganan
Financial Conditions, Pengaduan Nasabah Bank Sinarmas Versi 5.0
GCG Implementation • Cakupan Laporan Pelaksanaan Tata Kelola telah sesuai dengan ketentuan dan mencakup ketentuan yang berlaku; dan
Reports and Internal • Bank Telah menyampaikan Laporan Pelaksanaan Tata Kelola kepada Otoritas Jasa Keuangan secara tepat waktu dan
Reports menyajikan Laporan Pelaksanaan Tata Kelola dalam situs web Bank.
• The Bank has policies and procedures regarding the procedures for implementing transparency of financial and non-
financial conditions as stipulated in Decree No. SK.102/2021/PRESDIR-Corsec dated October 29, 2021, concerning
Communication Policy with Shareholders and Investors Version 1.0 of PT. Bank Sinarmas Tbk.;
• The Bank has been transparent in conveying the Bank's financial and non-financial information to stakeholders, including
announcing Quarterly and Annual Published Financial Statements and reporting them to the Financial Services Authority
or stakeholders in accordance with applicable provisions;
• The Bank has procedures for customer complaints via the Bank's website, agreements and/or product and/or service
utilization documents, Call Center, or submission through Bank officers as stipulated in the Bank Sinarmas Customer
Complaint Handling SOP Version 5.0
• The scope of the Governance Implementation Report is in accordance with the provisions and includes applicable
provisions; and
• The Bank has submitted the Governance Implementation Report to the Financial Services Authority in a timely manner
and presented the Governance Implementation Report on the Bank's website.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 213
Analisis
Analysis
Rencana Strategis • Bank telah menyusun Rencana Bisnis (Business Plan) sesuai dengan visi dan misi Bank.
Bank • Rencana Bisnis Bank disusun secara realistis dengan memperhatikan faktor internal dan eksternal, prinsip kehati-hatian,
Bank Strategic Plan serta pencapaian kinerja Bank sebelumnya.
• Penyusunan dan penyampaian Rencana Bisnis Bank telah berpedoman pada ketentuan Otoritas Jasa Keuangan.
• Rencana Bisnis Bank menggambarkan pertumbuhan Bank yang berkesinambungan.
• Bank telah menyampaikan Rencana Bisnis Bank kepada Otoritas Jasa Keuangan.
• Rencana Bisnis Bank telah dikomunikasikan kepada Pemegang Saham Pengendali dan ke seluruh jenjang organisasi
yang ada pada Bank.
• The Bank has prepared a Business Plan in accordance with the Bank's vision and mission.
• The Bank's Business Plan is prepared realistically by considering internal and external factors, the principle of prudence,
and the Bank's previous performance achievements.
• The preparation and submission of the Bank's Business Plan have been guided by the provisions of the Financial Services
Authority.
• The Bank's Business Plan describes the Bank's sustainable growth.
• The Bank has submitted the Bank's Business Plan to the Financial Services Authority.
• The Bank's Business Plan has been communicated to the Controlling Shareholders and to all levels of the Bank's
organization.
Berdasarkan analisis terhadap seluruh kriteria/indikator
penilaian tersebut, dapat disimpulkan bahwa Tata Kelola
Based on the analysis of all the assessment criteria/
indicators, it can be concluded that Bank Governance can be
211
Bank dapat dilihat dari Governance Structure, Governance seen from the Governance Structure, Governance Process,
2024
Process, dan Governance Outcome, sebagai berikut. and Governance Outcome, as follows. Performance
Highlights
Governance Structure
Secara umum Faktor Positif: Faktor Negatif: Management
pelaksanaan prinsip- • Jumlah dan kriteria anggota Direksi dan Dewan Komisaris (Independen dan Non-Independen) Tidak terdapat kelemahan Report
prinsip Tata Kelola Bank Sinarmas telah memenuhi prinsip-prinsip Tata Kelola Bank Umum sebagaimana tercantum dalam pelaksanaan
Bank Umum terkait pada ketentuan Tata Kelola yang berlaku; prinsip-prinsip Tata Kelola
Governance Structure • Penggantian dan/atau pengangkatan anggota Direksi telah memperhatikan rekomendasi dari Bank Umum terkait
telah dilakukan sesuai Komite Remunerasi dan Nominasi; Governance Structure. Company
ketentuan yang berlaku. • Seluruh anggota Direksi dan Dewan Komisaris memiliki integritas, kompetensi, dan reputasi Negative Factors:
In general, the keuangan yang memadai, dan telah lulus penilaian kemampuan dan kepatutan serta telah There are no weaknesses Profile
implementation of memperoleh surat persetujuan dari Otoritas Jasa Keuangan; in the implementation of
the principles of • Direktur Utama berasal dari pihak yang independen dari Pemegang Saham Pengendali. the principles of General
Commercial Bank Anggota Direksi dan Dewan Komisaris memiliki kompetensi yang memadai dan relevan dengan Bank Governance related
Governance related to jabatannya untuk menjalankan tugas dan tanggung jawab serta mampu mengimplementasikan to Governance Structure. Management
Governance Structure kompetensi yang dimiliki dalam pelaksanaan tugas dan tanggung jawab; dan Discussion and
has been carried out • Seluruh anggota Direksi dan Dewan Komisaris memiliki kemauan dan kemampuan serta budaya Analysis
in accordance with pembelajaran secara berkelanjutan dalam rangka peningkatan pengetahuan tentang perbankan
applicable provisions. dan perkembangan terkini terkait bidang keuangan/ lainnya yang mendukung pelaksanaan
tugasnya.
Positive Factors: Business
• The number and criteria of members of the Board of Directors and Board of Commissioners Support
(Independent and Non-Independent) of Bank Sinarmas have met the principles of General Bank
Governance as stated in the applicable Governance provisions; Overview
• Replacement and/or appointment of members of the Board of Directors has taken into account
the recommendations of the Remuneration and Nomination Committee;
• All members of the Board of Directors and Board of Commissioners have adequate integrity,
competence, and financial reputation, and have passed the fit and proper assessment and have CORPORATE
obtained a letter of approval from the Financial Services Authority; GOVERNANCE
• The President Director comes from a party independent of the Controlling Shareholder. Members
of the Board of Directors and Board of Commissioners have adequate competence and are
relevant to their positions to carry out their duties and responsibilities and are able to implement
their competence in carrying out their duties and responsibilities; and Sustainability
• All members of the Board of Directors and Board of Commissioners have the willingness and Report
ability as well as a culture of continuous learning in order to increase knowledge about banking
and the latest developments related to the financial/other fields that support the implementation
of their duties.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 214
Governance Process
Secara umum Faktor Positif: Faktor Negatif:
Manajemen Bank • Dewan Komisaris telah membentuk komite-komite yaitu Komite Audit, Komite Remunerasi dan Tidak terdapat kelemahan
telah menerapkan Nominasi, dan Komite Pemantau Risiko. Direksi telah membentuk komite-komite, yaitu Komite dalam pelaksanaan
Governance Process Manajemen Risiko, Komite Kredit, Komite Penyelesaian Kredit Bermasalah, Asset & Liability prinsip-prinsip Tata Kelola
dengan baik, tercermin Committee Committee (ALCO), Komite Information Technology (IT), dan Komite Human Capital, Bank Umum terkait
dari pemenuhan yang Komite Kebijakan Perkreditan; Governance Proses.
memadai atas prinsip • Seluruh Dewan Komisaris (Independen dan Non Independen) diganti dan/ atau diangkat
GCG. dengan memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi serta memperoleh
In general, Bank persetujuan dalam RUPS; Negative Factors:
Management has • Pengangkatan anggota komite-komite dilakukan oleh direksi berdasarkan keputusan Rapat There are no weaknesses
implemented the Dewan Komisaris; in the implementation
Governance Process • Direksi dan Dewan Komisaris telah menerapkan prinsip-prinsip GCG pada seluruh tingkatan/ of the principles of
well, as reflected in the jenjang organisasi. Dalam mengelola Bank, Direksi memiliki tanggung jawab dan kewenangan Commercial Bank
adequate fulfillment of sebagaimana diatur dalam Anggaran Dasar dan peraturan perundang-undangan, termasuk tapi Governance related to the
GCG principles. tidak terbatas pada: Governance Process.
- Menindaklanjuti temuan audit dan rekomendasi dari audit internal maupun eksternal;
- Menyediakan data dan informasi yang lengkap, akurat, terkini, dan tepat waktu kepada
Dewan Komisaris.
- Menetapkan kebijakan dan keputusan strategis melalui mekanisme Rapat Direksi;
- Mengimplementasikan manajemen risiko dan melakukan penugasan audit eksternal (akuntan
publik) yang memenuhi aspek-aspek yang dipersyaratkan oleh Otoritas Jasa Keuangan;
- Melakukan penilaian mandiri (self-assessment) secara berkala dan komprehensif terhadap
kecukupan penerapan Tata Kelola sehingga Bank dapat segera menetapkan action plan,
yang meliputi tindakan korektif yang diperlukan dalam hal masih terdapat kekurangan;
212 - Menyusun dan menetapkan kebijakan, prosedur manajemen risiko dan penetapan limit risiko
yang memadai disesuaikan dengan tujuan, kebijakan, ukuran, dan kompleksitas usaha serta
kemampuan Bank;
- Menyampaikan kepada Otoritas Jasa Keuangan laporan penyediaan dana kepada pihak
Ikhtisar Kinerja terkait secara berkala dan tepat waktu;
• Pengambilan keputusan rapat Direksi dan Dewan Komisaris telah dilakukan berdasarkan
2024 musyawarah untuk mufakat, atau suara terbanyak apabila tidak terjadi musyawarah untuk
mufakat. Setiap keputusan rapat yang diambil direksi dapat diimplementasikan, dan telah sesuai
dengan kebijakan, pedoman, serta tata tertib kerja yang berlaku;
Laporan • Direksi dan dewan komisaris tidak mengambil dan/atau menerima keuntungan pribadi dari Bank
Manajemen selain remunerasi dan fasilitas lainnya yang ditetapkan RUPS, termasuk tidak ada anggota Direksi
yang memanfaatkan Bank untuk kepentingan pribadi, keluarga, dan/atau pihak lain yang dapat
merugikan atau mengurangi keuntungan bank;
Profil • Pelaksanaan tugas dan tanggung jawab Direksi dan Dewan Komisaris (Independen dan Non-
Independen) telah dilakukan secara independen sesuai ketentuan yang berlaku dengan
Perusahaan didukung oleh Satuan Kerja Kepatuhan, Risk Management Group, dan Satuan Kerja Audit
Internal;
• Dalam mengelola Bank, Dewan Komisaris telah melaksanakan tugas untuk memastikan
Analisis dan terselenggaranya prinsip GCG dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau
Pembahasan jenjang organisasi termasuk dan tidak terbatas pada:
- Melaksanakan pengawasan secara berkala maupun sewaktu-waktu terhadap pelaksanaan
Manajemen tugas dan tanggung jawab Direksi serta memberi nasihat kepada Direksi;
- Memberikan pengarahan, memantau, dan mengevaluasi pelaksanaan kebijakan strategis
Bank; dan
Tinjauan • Kemampuan permodalan Bank sangat kuat untuk menutup kerugian dan/atau risiko yang
Pendukung mungkin timbul dari aktivitas usaha yang dijalankan oleh Bank.
Bisnis
TATA KELOLA
PERUSAHAAN
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 215
Positive Factors:
• The Board of Commissioners has formed committees, namely the Audit Committee, the
Remuneration and Nomination Committee, and the Risk Monitoring Committee. The Board
of Directors has formed committees, namely the Risk Management Committee, the Credit
Committee, the Non-Non-Performing Loan Resolution Committee, the Asset & Liability Committee
(ALCO), the Information Technology (IT) Committee, the Human Capital Committee, and the Credit
Policy Committee;
• All members of the Board of Commissioners (Independent and Non-Independent) are replaced
and/or appointed by considering the recommendations of the Remuneration and Nomination
Committee and obtaining approval in the GMS;
• Appointment of members of the committees is carried out by the Board of Directors based on the
decision of the Board of Commissioners Meeting;
• The Board of Directors and the Board of Commissioners have implemented GCG principles at all
levels of the organization. In managing the Bank, the Board of Directors has the responsibilities
and authorities as stipulated in the Articles of Association and laws and regulations, including but
not limited to:
- Following up on audit findings and recommendations from internal and external audits;
- Providing complete, accurate, current, and timely data and information to the Board of
Commissioners.
- Establishing strategic policies and decisions through the Board of Directors Meeting
mechanism;
- Implementing risk management and carrying out external audit assignments (public
accountants) that meet the aspects required by the Financial Services Authority;
- Conducting periodic and comprehensive self-assessments on the adequacy of the
implementation of Governance, ensuring that the Bank can immediately determine an action
plan, which includes corrective actions needed if there are still deficiencies;
- Preparing and establishing policies and risk management procedures and setting adequate
risk limits adjusted to the objectives, policies, size, and complexity of the Bank›s business and
capabilities;
213
- Submitting to the Financial Services Authority reports on the provision of funds to related
parties periodically and on time; 2024
• Decision-making at the Board of Directors and Board of Commissioners meetings has
been carried out based on deliberation to reach consensus or by majority vote if there is no Performance
deliberation to reach consensus. Every decision of the meeting taken by the board of directors Highlights
can be implemented and has been in accordance with the applicable policies, guidelines, and
work procedures;
• The board of directors and board of commissioners do not take and/or receive personal benefits
from the Bank other than remuneration and other facilities determined by the GMS, including Management
no member of the Board of Directors who uses the Bank for personal, family, and/or other party Report
interests that can harm or reduce the Bank›s profits;
• The implementation of the duties and responsibilities of the Board of Directors and Board of
Commissioners (Independent and Non-Independent) has been carried out independently
in accordance with applicable provisions supported by the Compliance Work Unit, Risk Company
Management Group, and Internal Audit Work Unit; Profile
• In managing the Bank, the Board of Commissioners has carried out duties to ensure the
implementation of GCG principles in every business activity of the Bank at all levels of the
organization, including but not limited to:
- Carrying out periodic or intermittent supervision of the implementation of the duties and Management
responsibilities of the Board of Directors and providing advice to the Board of Directors;
- Providing direction, monitoring, and evaluating the implementation of the Bank›s strategic Discussion and
policies; and Analysis
• The Bank›s capital capacity is very strong to cover losses and/or risks that may arise from
business activities carried out by the Bank.
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 216
Governance Outcome
Secara umum Faktor Positif: Faktor Negatif:
Manajemen Bank • Manajemen Bank (Direksi, Komisaris, dan Komite-Komite) telah melakukan penerapan Tata Kelola Tidak terdapat kelemahan
telah menerapkan yang secara umum baik, tercermin dari pemenuhan yang memadai atas prinsip GCG; dalam pelaksanaan
Governance Outcome • Direksi telah mengkomunikasikan kepada pegawai mengenai arah bisnis Bank dalam rangka prinsip-prinsip Tata Kelola
dengan baik, tercermin pencapaian Misi dan Visi bank; Bank Umum terkait
dari pemenuhan yang • Pertanggungjawaban pelaksanaan tugas Direksi, pelaksanaan Rapat Direksi dan Dewan Governance Outcome.
memadai atas prinsip Komisaris serta Komite-Komite telah dilakukan sesuai dengan prinsip-prinsip GCG. Hasil
Tata Kelola yang baik. rapat Direksi dan Dewan Komisaris masing-masing telah dituangkan dalam risalah rapat dan Negative Factors:
In general, Bank didokumentasikan dengan baik termasuk pengungkapan secara jelas perbedaan pendapat atau There are no weaknesses
Management dissenting opinion; in the implementation of
has implemented • Dalam laporan pelaksanaan Tata Kelola, seluruh anggota Direksi dan Dewan Komisaris paling the principles of General
Governance Outcomes sedikit telah mengungkapkan: Bank Governance related
well, as reflected in the - Kepemilikan saham yang mencapai 5% atau lebih pada Bank yang bersangkutan maupun to Governance Outcome.
adequate fulfillment pada Bank dan perusahaan lain yang berkedudukan di dalam dan di luar negeri;
of Good Governance - Hubungan keuangan dan hubungan keluarga dengan anggota Direksi lain, anggota Dewan
principles. Komisaris, dan/atau Pemegang Saham Pengendali Bank;
- Remunerasi dan fasilitas lain;
- Opsi saham yang dimiliki Direksi atau Dewan komisaris;
• Bank telah menyampaikan laporan-laporan kepada regulator dan pemegang saham secara
berkala dan tepat waktu sesuai dengan ketentuan yang berlaku;
• Pelaksanaan Fungsi Kepatuhan Bank telah dilakukan dengan baik dan memadai serta sesuai
dengan ketentuan yang berlaku;
• Fungsi Audit Internal telah dilaksanakan secara memadai dengan memperhatikan antara lain
independensi dan objektivitas dan terpenuhinya jumlah dan kualitas auditor internal.
214 • KAP yang ditunjuk oleh Bank telah menyampaikan hasil audit yang menggambarkan
permasalahan signifikan yang dihadapi oleh Bank secara tepat waktu kepada Otoritas Jasa
Keuangan;
• Bank telah menerapkan manajemen risiko secara efektif yang disesuaikan dengan tujuan
Ikhtisar Kinerja kebijakan, ukuran, dan kompleksitas usaha serta kemampuan Bank;
• Pemberian penyediaan dana oleh bank kepada pihak terkait (related party) dan/atau penyediaan
2024 dana besar (large exposure) telah memenuhi ketentuan yang berlaku dan memperhatikan
kemampuan permodalan dan penyebaran atau diversifikasi portofolio penyediaan dana; dan
• Kinerja Bank mengalami peningkatan pada tahun 2024 dibandingkan periode yang sama tahun
Laporan sebelumnya yang tercermin dari adanya peningkatan laba usaha.
Manajemen
Positive Factors:
• Bank Management (Board of Directors, Board of Commissioners, and Committees) has
implemented generally good Governance, reflected by adequate fulfillment of GCG principles;
Profil • The Board of Directors has communicated to employees regarding the Bank›s business direction
Perusahaan in order to achieve the Bank›s Mission and Vision;
• Accountability for the implementation of the Board of Directors› duties and the implementation
of Board of Directors and Board of Commissioners Meetings and Committees has been carried
Analisis dan out in accordance with GCG principles. The results of the Board of Directors and Board of
Pembahasan Commissioners meetings have each been stated in the minutes of the meeting and are well
documented, including clear disclosure of differences of opinion or dissenting opinions;
Manajemen • In the report on the implementation of Governance, all members of the Board of Directors and
Board of Commissioners have at least disclosed:
- Share ownership of 5% or more in the Bank concerned or in other Banks and companies
Tinjauan domiciled domestically and abroad;
Pendukung - Financial and familial relationships with other members of the Board of Directors, members of
the Board of Commissioners, and/or Controlling Shareholders of the Bank;
Bisnis - Remuneration and other facilities;
- Stock options held by the Board of Directors or Board of Commissioners;
• The Bank has submitted reports to regulators and shareholders periodically and on time in
TATA KELOLA accordance with applicable provisions;
PERUSAHAAN • The implementation of the Bank›s Compliance Function has been carried out properly and
adequately and in accordance with applicable provisions;
• The Internal Audit Function has been carried out adequately by considering, among other things,
independence and objectivity and the fulfillment of the number and quality of internal auditors.
Laporan • The KAP appointed by the Bank has submitted audit results that describe significant problems
Keberlanjutan faced by the Bank in a timely manner to the Financial Services Authority;
• The Bank has implemented effective risk management that is adjusted to the objectives of the
policy, size, and complexity of the business and the Bank›s capabilities;
• The provision of funds by the Bank to related parties and/or large exposure has complied with
applicable provisions and has taken into account capital capabilities and the distribution or
diversification of the fund provision portfolio; and
• The Bank›s performance has increased in 2024 compared to the same period the previous year,
as reflected in the increase in operating profit.
Rekomendasi Hasil Penilaian Assessment Result Recommendations
Berdasarkan SEOJK No.13/SEOJK.03/2017 Tentang Based on SEOJK No.13/SEOJK.03/2017 Concerning the
Penerapan Tata Kelola Bagi Bank Umum maka hasil penilaian Implementation of Governance for Commercial Banks,
tata kelola yang dilakukan secara mandiri (self-assessment) the results of the governance assessment conducted
oleh PT. Bank Sinarmas Tbk. untuk periode pelaporan self- independently (self-assessment) by PT. Bank Sinarmas
assessment semester II tahun 2024 dapat disimpulkan bahwa Tbk. for the reporting period of the second semester of
penerapan tata kelola yang baik (GCG) PT. Bank Sinarmas 2024, it can be concluded that the implementation of good
Tbk. berada pada peringkat 2 (dua) yaitu bahwa Manajemen governance (GCG) of PT. Bank Sinarmas Tbk. rating is 2 (two),
PT. Bank Sinarmas Tbk. telah menerapkan prinsip-prinsip namely that the Management of PT. Bank Sinarmas Tbk. has
GCG dengan baik. Dalam hal terdapat kelemahan yang implemented the principles of GCG well. In the event that
terjadi atas penerapan prinsip GCG dapat diselesaikan there are weaknesses that occur in the implementation of
dengan baik oleh Manajemen PT. Bank Sinarmas Tbk. the principles of GCG, they can be resolved properly by the
Management of PT. Bank Sinarmas Tbk.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 217
Penerapan Tata Kelola Berdasarkan Pedoman Implementation of Governance Based on the
Umum Governansi Korporat Indonesia (PUGKI) General Guidelines for Indonesian Corporate
Governance (PUGKI)
Bank Sinarmas juga telah menerapkan kebijakan tata kelola Bank Sinarmas has also implemented a governance policy
yang mengacu pada PUGKI 2021, seperti ditetapkan oleh that refers to PUGKI 2021, as stipulated by the National
Komite Nasional Kebijakan Governansi (KNKG). Uraiannya Committee for Governance Policy (KNKG). The description is
disampaikan melalui tabel di bawah ini. presented in the table below.
Rekomendasi Penerapan
Recommendation Implementation
Prinsip 1: Peran dan Tanggung Jawab Direksi dan Dewan Komisaris
Principle 1: Roles and Responsibilities of the Board of Directors and the Board of Commissioners
1.1 Peran dan 1.1.1 Untuk mencapai penciptaan nilai yang berkelanjutan, Direksi Diterapkan
Tanggung Jawab menjalankan peran kepemimpinannya dan berupaya mencapai Direksi telah menetapkan strategi dan target Bank baik
Direksi hasil governansi sebagai berikut: dalam jangka pendek (rencana bisnis Bank) sampai
1.1 Role and a. berdaya saing dan berfokus ke kinerja jangka panjang; dengan jangka panjang (corporate plan).
Responsibilities b. beretika dan bertanggung jawab dalam menjalankan bisnis;
of the Board of c. berkontribusi positif terhadap masyarakat dan lingkungan; Dalam menjalankan kegiatan bisnisnya, Bank memiliki
Directors serta
d. berkemampuan dalam bertahan dan bertumbuh
Kode Etik yang wajib dipenuhi dan dijalankan oleh
seluruh lini Bank. Hal tersebut terus disosialisasikan 215
(corporate resilience) bersama nilai-nilai perusahaan untuk memelihara
1.1.1 Direksi harus memastikan bahwa misi, visi, tujuan, sasaran, budaya kerja yang berintegritas.
strategi, dan rencana tahunan dan jangka menengah 2024
korporasi konsisten dengan tujuan jangka panjang, dengan Di tengah persaingan bisnis global, Bank telah Performance
memanfaatkan inovasi dan teknologi secara efektif. membuktikan kemampuan bertahan dan bertumbuh,
1.1.2 Direksi memastikan bahwa korporasi menerapkan manajemen hal tersebut dapat di lihat pada Laporan Keuangan Highlights
risiko dan sistem pengendalian internal yang tepat dan efektif yang dipaparkan pada RUPST (Rapat Umum Pemegang
yang selaras dengan visi, misi, tujuan, sasaran, dan strategi Saham Tahunan).
korporasi serta mematuhi peraturan perundang-undangan dan
standar yang berlaku. Bank juga telah menjalankan kewajibannya dalam Management
1.1.3 Direksi memastikan integritas akuntansi dan sistem pelaporan memberikan kontribusi positif kepada masyarakat Report
keuangan korporasi dan pengungkapan yang tepat waktu dan melalui program-program CSR setiap tahunnya.
akurat atas semua informasi material mengenai korporasi.
1.1.4 Direksi memastikan pelaporan keberlanjutan telah disusun Direksi selalu memastikan bahwa visi misi Bank
sebagaimana mestinya. konsisten selaras dengan strategi dan tujuan jangka Company
1.1.5 Direksi membangun kerangka kerja untuk governansi teknologi panjang Bank. Bank melakukan optimalisasi penerapan Profile
informasi (TI) korporasi yang selaras dengan kebutuhan dan teknologi informasi sebagai salah satu pilar strategi
prioritas bisnis korporasi, mendorong peluang dan kinerja dalam mewujudkan target bisnis baik jangka pendek
bisnis, memperkuat manajemen risiko, serta mendukung tujuan maupun jangka panjang.
dan strategi korporasi. Management
1.1.6 Bagi korporasi yang menjalankan kegiatan usaha berdasarkan Bank memiliki system manajemen risiko dan system Discussion and
prinsip Syariah, Direksi perlu memastikan kewenangan dan pengendalian internal dalam menjalankan kegiatan
ketersediaan perangkat pendukung yang memadai agar usaha Bank selaras dengan visi, misi, tujuan, sasaran Analysis
Dewan Pengawas Syariah dapat menjalankan perannya dan strategi Bank serta mematuhi peraturan perundang-
dengan efektif. undangan yang berlaku.
1.1.7 Piagam Direksi secara periodik ditinjau. Piagam mencakup
antara lain pembagian peran Direktur secara individual dapat Direksi telah memastikan integritas pada setiap lini yang Business
diatur di Piagam Direksi atau dengan surat keputusan Direksi. bertugas dalam pengungkapan informasi perusahaan Support
1.1.8 Direksi mempunyai kebijakan terkait pengunduran diri anggota memiliki kemampuan dan latar belakang yang mumpuni Overview
Direksi apabila terlibat dalam kejahatan keuangan dan terbukti pada bidangnya. Direksi juga bertanggung jawab atas
melakukan kesalahan. publikasi Laporan Keuangan serta Laporan Tahunan
pada situs web Bank dan media massa sesuai peraturan
yang berlaku. CORPORATE
Direksi beserta jajaran manajemen telah memastikan GOVERNANCE
Laporan Keberlanjutan disusun berdasarkan kerangka
pelaporan sesuai dengan ketentuan perundang-
undangan yang berlaku.
Sustainability
Bank telah memiliki strategi dan kerangka kerja Report
governansi Teknologi Informasi (TI) yang dijelaskan
pada Laporan Tahunan ini. Direksi memastikan bahwa
Bank memiliki kebijakan alokasi sumber daya TI yang
memadai dan optimal untuk mendukung tujuan dan
strategi Bank.
Ketentuan terkait Direksi seperti Piagam, Tugas dan
Tanggung Jawab serta kebijakan pengunduran diri
anggota Direksi telah diatur dan di reviu secara berkala.
Hal-hal tersebut telah dijelaskan pada Laporan Tahunan
ini.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 218
Rekomendasi Penerapan
Recommendation Implementation
Apply
The Board of Directors has set the Bank›s strategy and
targets both in the short term (Bank›s business plan) and
the long term (corporate plan).
In runing its business, the Bank has a Code of Ethics
that must be fulfilled and implemented by all lines of the
Bank. This continues to be socialized together with the
company›s values to maintain a work culture with integrity.
In the midst of global business competition, the Bank has
proven its ability to survive and grow as can be seen in the
Financial Report presented at the AGMS (Annual General
Meeting of Shareholders).
The Bank has also met obligations in providing positive
contributions to the community through CSR programs
every year.
The Board of Directors always ensures that the Bank›s
vision and mission are consistent with the Bank›s long-term
strategy and goals. The Bank optimizes the application of
216 information technology as one of the pillars of strategy in
realizing business targets both in the short and long terms.
The Bank has a risk management system and internal
Ikhtisar Kinerja control system in carrying out the Bank›s business
activities in line with the Bank›s vision, mission, goals,
2024 targets and strategies and complies with applicable laws
and regulations.
Laporan The Board of Directors has ensured the integrity of each
Manajemen line tasked with disclosing company information and
has the ability and background that are qualified in their
fields. The Board of Directors is also responsible for the
Profil publication of the Financial Report and Annual Report on
the Bank›s website and mass media in accordance with
Perusahaan applicable regulations.
The Board of Directors and management have ensured
Analisis dan that the Sustainability Report is prepared based on a
Pembahasan reporting framework in compiance with applicable laws
and regulations.
Manajemen
The Bank has an Information Technology (IT) governance
strategy and framework explained in this Annual Report.
Tinjauan The Board of Directors ensures that the Bank has an
Pendukung adequate and optimal IT resource allocation policy to
support the Bank›s goals and strategies.
Bisnis
Provisions related to the Board of Directors such as the
Charter, Duties and Responsibilities and the resignation
TATA KELOLA policy of members of the Board of Directors have been
PERUSAHAAN regulated and reviewed periodically. These matters have
been explained in this Annual Report.
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 219
Rekomendasi Penerapan
Recommendation Implementation
1.1.1 To achieve sustainable value creation, the Board of Directors
carries out its leadership role and strives to achieve the
following governance outcomes:
a. competitive and focused on long-term performance;
b. ethical and responsible for conducting business;
c. contributing positively to society and the environment; and
d. capable of surviving and growing (corporate resilience)
1.1.2 The Board of Directors must ensure that the corporation›s
mission, vision, goals, objectives, strategies, and annual and
medium-term plans are consistent with long-term goals by
utilizing innovation and technology effectively.
1.1.3 The Board of Directors ensures that the corporation implements
appropriate and effective risk management and internal control
systems that are aligned with the corporation›s vision, mission,
goals, objectives, and strategies and comply with applicable
laws and regulations and standards.
1.1.4 The Board of Directors ensures the integrity of the corporation›s
accounting and financial reporting systems and timely and
accurate disclosure of all material information regarding the
corporation.
1.1.5 The Board of Directors ensures that sustainability reporting has
been prepared properly.
1.1.6 The Board of Directors builds a framework for corporate
information technology (IT) governance that is aligned with
the needs and priorities of the corporation›s business, drives
business opportunities and performance, strengthens risk
217
management, and supports corporate goals and strategies.
1.1.7 For corporations that carry out business activities based on 2024
Sharia principles, the Board of Directors needs to ensure the
authority and availability of adequate supporting devices, Performance
ensuring that the Sharia Supervisory Board can carry out its role Highlights
effectively.
1.1.8 The Board of Directors Charter is reviewed periodically. The
Charter includes, among other things, the division of roles of
individual Directors, which can be regulated in the Board of Management
Directors Charter or by a Board of Directors Decree. Report
1.1.9 The Board of Directors has a policy regarding the resignation
of members of the Board of Directors if they are involved in
financial crimes and are proven to have committed mistake.
Company
1.2 Penilaian Kinerja 1.1.1 Dewan Komisaris melakukan evaluasi formal tahunan secara Diterapkan
- Direksi dan obyektif dan independen untuk menentukan efektivitas Direksi Bank telah memiliki kebijakan penilaian terhadap kinerja Profile
Anggotanya dan setiap individu Direktur. Direksi yang terdiri dari penilaian kinerja kolegial Direksi.
1.2 Performance 1.1.2 Dewan Komisaris dengan pertimbangan Komite Nominasi dan
Assessment - Remunerasi, bertanggung jawab menentukan kriteria evaluasi Hasil penilaian ditinjau oleh Komite Remunerasi dan
Board of Directors kinerja dan menilai kinerja Direktur Utama dan anggota Direksi Nominasi untuk mendapatkan masukan dan rekomendasi Management
and its Members lainnya. sebelum dimintakan persetujuan Dewan Komisaris. Discussion and
1.1.1 The Board of Commissioners conducts an annual formal Analysis
evaluation objectively and independently to determine the Penjelasan lebih lanjut telah disampaikan pada
effectiveness of the Board of Directors and each individual pembahasan Penilaian Kinerja Dewan Komisaris dan
Director. Direksi dalam Laporan Tahunan ini.
1.1.2 The Board of Commissioners, with consideration from the Business
Nomination and Remuneration Committee, is responsible for Apply Support
determining the performance evaluation criteria and assessing The Bank has a policy for assessing the performance
the performance of the President Director and other members of the Board of Directors consisting of a collegial Overview
of the Board of Directors. performance assessment of the Board of Directors.
The results of the assessment are reviewed by the
Remuneration and Nomination Committee to get input CORPORATE
and recommendations and submitted to the Board of GOVERNANCE
Commissioners for approval.
Further explanation is available in the discussion of the
Performance Assessment of the Board of Commissioners Sustainability
and Board of Directors in this Annual Report. Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 220
Rekomendasi Penerapan
Recommendation Implementation
1.3 Peran dan 1.1.1 Dewan Komisaris mereviu strategi korporasi paling tidak Diterapkan
Tanggung Jawab setiap tahun dan menyetujui misi, visi dan strategi korporasi Dewan Komisaris bersama Direksi melakukan reviu
Dewan Komisaris yang dirumuskan oleh Direksi. Dewan Komisaris juga mereviu, mengenai kesesuaian visi dan misi perusahaan terhadap
1.3 Role and memberikan saran dan menyetujui rencana bisnis dan rencana strategi, kondisi Bank saat ini dan tantangan usaha yang
Responsibilities keuangan jangka panjang dan rencana keuangan jangka akan dihadapi.
of the Board of pendek korporasi. Dewan Komisaris memberikan advis dan
Commissioners melakukan pemantauan kepada Direksi atas pengelolaan Dewan Komisaris juga mereviu, memberikan saran dan
implementasinya. Direksi dan Dewan Komisaris terlibat dalam menyetujui rencana bisnis dan rencana keuangan jangka
keputusan yang sangat penting bagi korporasi, diatur dalam panjang dan jangka pendek serta melakukan pemantauan
anggaran dasar korporasi. atas implementasinya.
1.1.2 Jenis keputusan yang memerlukan persetujuan Dewan
Komisaris harus diungkapkan dalam laporan tahunan. Keputusan Direksi yang memerlukan persetujuan Dewan
1.1.3 Dengan memperhatikan rekomendasi Komite Nominasi Komisaris telah diungkapkan pada Laporan Tahunan ini.
dan Remunerasi, Dewan Komisaris mengusulkan kepada,
dan untuk diputuskan oleh, RUPS pengangkatan dan/ Dewan Komisaris mengusulkan kepada, dan untuk
atau pemberhentian anggota Direksi dan anggota Dewan diputuskan oleh, RUPS dengan memperhatikan
Komisaris. Dalam mengusulkan hal di atas, Dewan Komisaris rekomendasi Komite Remunerasi dan Nominasi terkait
memperhatikan keberagaman, unsur nondiskriminatif dan pengangkatan dan/atau pemberhentian anggota Direksi
memberikan kesempatan yang sama tanpa membedakan dan anggota Dewan Komisaris. Proses tersebut telah di
suku, agama, ras, antar golongan dan jender. Dewan Komisaris jelaskan secara rinci dalam Laporan Tahunan ini.
memastikan proses pencalonan dan pemilihan anggota Direksi
dan anggota Dewan Komisaris adalah formal dan transparan. Bank memiliki dan menjalankan kebijakan suksesi Direksi
1.1.4 Dewan Komisaris atau Komite yang menjalankan fungsi dan/atau Manajemen Senior yang merupakan kebijakan
218 nominasi menyusun kebijakan suksesi dalam proses nominasi
anggota Direksi. Setiap tahun Dewan Komisaris meninjau
pelaporan pelaksanaan rencana pengembangan dan suksesi
yang terkait dengan Komite Remunerasi dan Nominasi
sebagaimana yang tertuang dalam Laporan Tahunan ini.
yang disampaikan Direktur Utama. Komite Remunerasi dan Nominasi mempertimbangkan
Ikhtisar Kinerja 1.1.5 Dewan Komisaris a). mengajukan kepada RUPS, yang dapat informasi atas kisaran dan standar remunerasi dengan
didahului oleh usulan dari Komite yang menjalankan fungsi industri sejenis serta kemampuan Bank, Komite
2024 remunerasi, besaran remunerasi anggota Direksi dan anggota Remunerasi dan Nominasi memberikan rekomendasi
Dewan Komisaris yang selaras dengan pengembangan untuk selanjutnya dibahas dalam Rapat Dewan Komisaris,
korporasi yang berkelanjutan dan kepentingan jangka panjang Dewan Komisaris mengusulkan remunerasi tersebut
Laporan korporasi dan pemegang saham; b). secara berkala mereviu kepada RUPS; dan RUPS menetapkan remunerasi untuk
Manajemen sistem remunerasi Direksi dan Dewan Komisaris. Dewan Komisaris, untuk kemudian diimplementasikan.
1.1.6 Dewan Komisaris mengawasi efektivitas kebijakan governansi
korporat dan implementasinya serta mengusulkan perubahan Dewan Komisaris dan/atau bersama Komite Dibawah
Profil jika diperlukan. Dewan Komisaris melakukan pengawasan dan
1.1.7 Dewan Komisaris memantau dan mengarahkan agar korporasi memberikan arahan terkait kebijakan dan efektivitas
Perusahaan menerapkan manajemen risiko dan sistem pengendalian penerapan tata kelola, manajemen risiko dan sistem
internal yang tepat dan efektif yang selaras dengan tujuan, pengedalian internal yang dilakukan oleh manajemen,
sasaran, dan strategi korporasi serta mematuhi peraturan serta memberikan masukan dan perbaikan jika diperlukan.
Analisis dan perundang-undangan, kode perilaku dan standar yang berlaku.
Pembahasan 1.1.8 Dewan Komisaris mengawasi dan mengarahkan agar tercapai Dewan Komisaris juga melakukan pengawasan terhadap
integritas akuntansi dan sistem pelaporan keuangan korporat, integritas akuntansi dan system pelaporan keuangan serta
Manajemen serta independensi fungsi audit internal dan eksternal. independensi fungsi audit internal dan eksternal.
1.1.9 Dewan Komisaris memantau, mereviu dan menyetujui laporan
tahunan dan laporan keberlanjutan Korporasi serta memastikan Dewan Komisaris melakukan pengawasan terhadap
Tinjauan integritasnya, serta mengawasi proses pengungkapan dan penyusunan Laporan Tahunan dan Laporan Keberlanjutan
Pendukung pengkomunikasian korporasi. untuk kemudian diberikan persetujuan. Dewan
1.1.10 Piagam Dewan Komisaris secara periodik ditinjau. Komisaris juga mengawasi proses pengungkapan dan
Bisnis 1.1.11 Dewan Komisaris mempunyai kebijakan terkait pengunduran pengkomunikasian Bank.
diri anggota Dewan Komisaris apabila terlibat dalam kejahatan
keuangan dan terbukti melakukan kesalahan. Piagam Dewan Komisaris dikaji secara berkala dan
TATA KELOLA 1.1.12 Komisaris independen sangat diharapkan untuk dapat diunggah ke situs web Bank.
PERUSAHAAN berkontribusi dalam diskusi yang jujur, obyektif, aktif dan
konstruktif pada rapat Dewan Komisaris. Dewan Komisaris terikat pada kebijakan terkait
1.1.13 Komisaris Utama berperan sebagai koordinator Dewan pengunduran diri apabila terlibat dalam kejahatan
Laporan Komisaris dan memastikan efektivitasnya. Komisaris Utama keuangan dan/atau tindak pidana lainnya.
mendorong budaya keterbukaan dan dialog konstruktif
Keberlanjutan yang memungkinkan berbagai pandangan diungkapkan, Komisaris Indpenden telah memenuhi kriteria dan
termasuk mengkoordinasi penetapan agenda rapat dewan membuat pernyataan independensi sesuai dengan
yang tepat dan memastikan waktu yang cukup tersedia untuk ketentuan yang berlaku. Komisaris Independen Bank
mendiskusikan semua agenda. Selain itu, juga harus ada memiliki rekam jejak yang kredibel. Hal ini ditunjukan
kesempatan bagi Dewan Komisaris untuk bertemu dengan dengan persentase kehadiran di rapat Dewan Komisaris
jajaran Direksi dan manajemen senior. dan Komite yang rata-rata 100%.
1.1.1 The Board of Commissioners reviews the corporate strategy at
least annually and approves the mission, vision, and corporate Komisaris Utama memiliki tugas dan tanggung jawab untuk
strategy formulated by the Board of Directors. The Board of mengkoordinasikan pelaksanaan tugas dan tanggung
Commissioners also reviews, provides advice, and approves jawab anggota Dewan Komisaris lainnya. Komisaris Utama
the business plan and long-term financial plan and short-term juga memimpin rapat gabungan Dewan Komisaris dan
financial plan of the corporation. The Board of Commissioners Direksi yang dilaksanakan secara berkala.
provides advice and monitors the management of its
implementation to the Board of Directors. The Board of Directors
and the Board of Commissioners are involved in decisions that
are very important to the corporation, as regulated in the articles
of association of the corporation.
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Rekomendasi Penerapan
Recommendation Implementation
1.1.2 The types of decisions that require the approval of the Board of Apply
Commissioners must be disclosed in the annual report. The Board of Commissioners and the Board of Directors
1.1.3 By considering the recommendations of the Nomination makes a review of the suitability of the company›s vision
and Remuneration Committee, the Board of Commissioners and mission to the strategy, current condition of the Bank
proposes to, and to be decided by the GMS, the appointment and the business challenges encountered.
and/or dismissal of members of the Board of Directors and
members of the Board of Commissioners. In proposing The Board of Commissioners also reviews, provides
the above, the Board of Commissioners pays attention to advice and approves the long-term and short-term
diversity and non-discriminatory elements and provides equal business and financial plans and monitors their
opportunities without distinguishing between ethnicity, religion, implementation.
race, inter-group, and gender. The Board of Commissioners
ensures that the nomination and election process for members Decisions of the Board of Directors that require the
of the Board of Directors and members of the Board of approval of the Board of Commissioners have been
Commissioners is formal and transparent. disclosed in this Annual Report.
1.1.4 The Board of Commissioners or the Committee that carries
out the nomination function prepares a succession policy in The Board of Commissioners proposes to, and to be
the nomination process for members of the Board of Directors. decided by, the GMS by considering the recommendations
Every year the Board of Commissioners reviews the reporting of the Remuneration and Nomination Committee regarding
on the implementation of the development and succession plan the appointment and/or dismissal of members of the Board
submitted by the President Director. of Directors and members of the Board of Commissioners.
1.1.5 Board of Commissioners a). submits to the GMS, which may The process has been explained in detail in this Annual
be preceded by a proposal from the Committee that carries Report.
out the remuneration function, the amount of remuneration for
members of the Board of Directors and members of the Board
of Commissioners that is in line with sustainable corporate
development and the long-term interests of the corporation and
The Bank has and implements a policy of succession of
the Board of Directors and/or Senior Management which
is a policy related to the Remuneration and Nomination
219
shareholders; b). periodically reviews the remuneration system Committee as stated in this Annual Report.
for the Board of Directors and Board of Commissioners. 2024
1.1.6 The Board of Commissioners oversees the effectiveness of The Remuneration and Nomination Committee considers
corporate governance policies and their implementation and information on the range and standard of remuneration Performance
proposes changes if necessary. with similar industries and the Bank›s capabilities, the Highlights
1.1.7 The Board of Commissioners monitors and directs that Remuneration and Nomination Committee provides
the corporation implement appropriate and effective risk recommendations to be further discussed in the Board
management and internal control systems that are in line with of Commissioners Meeting, the Board of Commissioners
the objectives, targets, and strategies of the corporation and proposes the remuneration to the GMS; and the Management
comply with applicable laws and regulations, codes of conduct, GMS determines the remuneration for the Board of Report
and standards. Commissioners, to be implemented later.
1.1.8 The Board of Commissioners oversees and directs that the
integrity of the corporate accounting and financial reporting The Board of Commissioners and/or together with
system is achieved, as well as the independence of the internal the Committees under the Board of Commissioners Company
and external audit functions. supervise and provide direction regarding policies and
1.1.9 The Board of Commissioners monitors, reviews, and approves the effectiveness of the implementation of governance, Profile
the Corporation's annual report and sustainability report and risk management and internal control systems carried out
ensures its integrity and oversees the corporate disclosure and by management, and provide input and improvements if
communication process. necessary.
1.1.10 The Board of Commissioners Charter is periodically reviewed. Management
1.1.11 The Board of Commissioners has a policy regarding the The Board of Commissioners also supervises the integrity Discussion and
resignation of members of the Board of Commissioners if of accounting and financial reporting systems and the Analysis
they are involved in financial crimes and are proven to have independence of internal and external audit functions.
committed mistakes.
1.1.12 Independent Commissioners are highly expected to contribute The Board of Commissioners supervises the preparation
to honest, objective, active, and constructive discussions at of the Annual Report and Sustainability Report for approval. Business
Board of Commissioners meetings. The Board of Commissioners also supervises the Bank›s Support
1.1.13 The President Commissioner acts as the coordinator of the disclosure and communication processes.
Board of Commissioners and ensures its effectiveness. The Overview
President Commissioner encourages a culture of transparency The Board of Commissioners Charter is reviewed
and constructive dialogue that allows a variety of views to be periodically and uploaded to the Bank›s website.
expressed, including coordinating the setting of appropriate
board meeting agendas and ensuring sufficient time is The Board of Commissioners is bound by a policy CORPORATE
available to discuss all agendas. In addition, there must also be regarding resignation if involved in financial crimes and/or GOVERNANCE
opportunities for the Board of Commissioners to meet with the other criminal acts.
Board of Directors and senior management.
Independent Commissioners have met the criteria and
made a statement of independence in accordance Sustainability
with applicable provisions. The Bank›s Independent Report
Commissioners have a credible track record. This is
indicated by the percentage of attendance at Board of
Commissioners and Committee meetings which averages
100%.
The President Commissioner has the duty and
responsibility to coordinate the implementation of the
duties and responsibilities of other members of the Board
of Commissioners. The President Commissioner also leads
joint meetings of the Board of Commissioners and the
Board of Directors which are held periodically.
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Rekomendasi Penerapan
Recommendation Implementation
1.4 Pembentukan 1.1.1 Korporasi memiliki komite-komite di bawah Dewan Komisaris Diterapkan
Komite sekurang-kurangnya terdiri dari: Komite Audit, Komite Nominasi Komite Dibawah Dewan Komisaris terdiri dari Komite Audit,
1.4 Formation of the dan Remunerasi dan Komite Pemantau Manajemen Risiko. Komite Pemantau Risiko, Komite Remunerasi dan Nominasi
Committee 1.1.2 Dewan Komisaris memastikan bahwa anggota Komite Audit serta Komite Tata Kelola Terintegrasi.
seluruhnya independen dan komite lain yang dibentuk Dewan
Komisaris adalah mayoritas dari pihak independen, serta Anggota Komite Audit seluruhnya merupakan Komisaris
semua anggota komite memiliki kompetensi, berkomitmen, Independen dan Pihak Independen. Informasi terkait
serta memiliki wewenang yang memadai untuk menjalankan Komite Audit telah dijelaskan secara rinci pada Laporan
perannya secara efektif dan independen. Tahunan ini.
1.1.3 Untuk memastikan pemantauan atas pelaksanaan tugas Komite
Audit berjalan obyektif dan independen, Komisaris Utama tidak Komisaris Utama Bank tidak menjadi bagian dari anggota
boleh menjadi ketua Komite Audit, kecuali dalam keadaan luar Komite Audit.
biasa yang harus dijelaskan dalam laporan tahunan.
1.1.1 The Corporation has committees under the Board of Apply
Commissioners consisting of at least the Audit Committee, The Committees under the Board of Commissioners
the Nomination and Remuneration Committee, and the Risk consist of the Audit Committee, Risk Monitoring
Management Monitoring Committee. Committee, Remuneration and Nomination Committee and
1.1.2 The Board of Commissioners ensures that all members of Integrated Governance Committee.
the Audit Committee are independent and other committees
formed by the Board of Commissioners are majority All members of the Audit Committee are Independent
independent parties, and all committee members have the Commissioners and Independent Parties. Information
competence, commitment, and sufficient authority to carry out related to the Audit Committee has been explained in
their roles effectively and independently. detail in this Annual Report.
220 1.1.3 To ensure that monitoring of the implementation of the
Audit Committee's duties is objective and independent, the
President Commissioner may not be the chairman of the Audit
The Bank›s President Commissioner is not a member of
the Audit Committee.
Committee, except in extraordinary circumstances, which must
Ikhtisar Kinerja be explained in the annual report.
2024 1.5 Penilaian 1.5.1 Dewan Komisaris melakukan evaluasi formal tahunan secara Diterapkan
Kinerja – Dewan obyektif untuk menentukan efektivitas Dewan, komitenya, dan Dewan Komisaris melakukan penilaian kinerja dan
Komisaris dan setiap individu Komisaris. efektivitas secara kolegial.
Laporan Anggotanya 1.5.1 The Board of Commissioners conducts an annual formal
Manajemen 1.5 Performance evaluation objectively to determine the effectiveness of the Apply
Assessment Board, its committees, and each individual Commissioner. The Board of Commissioners conducts a collegial
– Board of assessment of performance and effectiveness.
Commissioners
Profil and its Members
Perusahaan
1.6 Benturan 1.1.1 Anggota Direksi yang mempunyai rangkap jabatan di luar Diterapkan
Kepentingan korporasi, harus mendapatkan persetujuan dari Dewan Tidak ada anggota Direksi Bank yang memiliki rangkap
Analisis dan 1.6 Conflict of Interest Komisaris. Seorang Komisaris memberi tahu Dewan Komisaris jabatan.
dan ketua komite yang menjalankan fungsi nominasi, sebelum
Pembahasan menerima penunjukan baru sebagai Direktur atau Komisaris Dalam melakukan pengawasan, Dewan Komisaris
Manajemen dari korporasi terbuka, jabatan Direktur lainnya atau posisi lain berkomitmen untuk menghindari terjadinya potensi
dengan komitmen waktu yang signifikan. benturan kepentingan atau berupaya untuk menempatkan
1.1.2 Dewan Komisaris memantau dan mengelola potensi benturan diri untuk tidak berada dalam potensi terjadinya benturan
Tinjauan kepentingan manajemen, anggota Direksi, Dewan Komisaris kepentingan dalam situasi apapun.
Pendukung dan pemegang saham, termasuk penyalahgunaan aset
korporasi dan penyalahgunaan dalam transaksi pihak berelasi. Apply
Bisnis Komisaris yang memiliki benturan kepentingan tidak turut serta No member of the Bank›s Board of Directors holds dual
dalam pemantauan dan pengambilan keputusan atas potensi positions.
benturan kepentingan yang melibatkan Komisaris atau afiliasi
TATA KELOLA Komisaris yang bersangkutan. In exercising its oversights, the Board of Commissioners
PERUSAHAAN 1.1.1 Members of the Board of Directors who hold concurrent is committed to avoiding potential conflicts of interest or
positions outside the corporation must obtain approval from the trying to position itself to refrain from potential conflict of
Board of Commissioners. A Commissioner shall notify the Board interest in any situation.
of Commissioners and the chair of the committee that performs
Laporan the nomination function before accepting a new appointment
Keberlanjutan as a Director or Commissioner of a public corporation, other
Director positions, or other positions with significant time
commitments.
1.1.2 The Board of Commissioners shall monitor and manage
potential conflicts of interest of management, members of
the Board of Directors, the Board of Commissioners, and
shareholders, including misuse of corporate assets and
misuse in related party transactions. Commissioners who have
a conflict of interest shall not participate in monitoring and
decision-making on potential conflicts of interest involving the
Commissioner or affiliates of the Commissioner concerned.
1.7 Peningkatan 1.7.1 Dewan Komisaris memastikan bahwa anggota Direksi dan Dewan Diterapkan
Kompetensi Komisaris memahami peran dan tanggung jawab mereka, Dewan Komisaris bersama Direksi berkomitmen untuk
Anggota Direksi karakteristik dan operasi korporasi, peraturan perundang- konsisten melakukan pengembangan diri setiap tahunnya.
dan Dewan undangan dan standar yang relevan serta kewajiban lain yang Dewan Komisaris dan Direksi telah mengikuti pendidikan
Komisaris berlaku. Direksi melalui sekretaris korporasi mendukung semua dan pelatihan dengan tujuan untuk meningkatkan
1.7 Improving the anggota Direksi dan Dewan Komisaris dalam memperbarui dan kemampuan stategis, menambah pengetahuan bisnis,
Competence of menyegarkan keterampilan dan pengetahuan mereka yang meningkatkan kepemimpinan, mengembangkan
Members of the diperlukan untuk menjalankan peran mereka di Dewan. keterampilan baru, serta meningkatkan dan menjaga
Board of Directors 1.7.1 The Board of Commissioners ensures that members of the Board kualitas layanan perbankan yang dimiliki.
and Board of of Directors and Board of Commissioners understand their
Commissioners roles and responsibilities, the characteristics and operations of Adapun rincian pendidikan dan pelatihan yang diikuti
the corporation, relevant laws and regulations, standards and Dewan Komisaris dan Direksi telah tertuang dalam
other applicable obligations. The Board of Directors through Laporan Tahunan.
the corporate secretary supports all members of the Board
of Directors and Board of Commissioners in updating and Apply
refreshing their skills and knowledge required to carry out their The Board of Commissioners and the Board of Directors
roles on the Board. are committed to consistently developing themselves
every year. The Board of Commissioners and the Board of
Directors have attended education and training with the
aim of improving strategic capabilities, increasing business
knowledge, improving leadership, developing new skills,
and improving and maintaining the quality of banking
services they have.
The details of the education and training attended by the
Board of Commissioners and the Board of Directors have
been stated in the Annual Report.
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Rekomendasi Penerapan
Recommendation Implementation
Prinsip 2: Komposisi dan Remunerasi Direksi dan Dewan Komisaris
Principle 2: Composition and Remuneration of the Board of Directors and Board of Commissioners
2.1 Komposisi Direksi 2.1.1 Dalam menentukan kandidat calon Direktur, Dewan Komisaris Diterapkan
dan Dewan melalui Komite Nominasi dan Remunerasi tidak hanya Dalam menentukan kandidat calon Direktur, Dewan
Komisaris mengandalkan rekomendasi dari Dewan Komisaris, manajemen Komisaris Bank melalui Komite Remunerasi dan Nominasi
2.1 Composition atau pemegang saham mayoritas. Dewan Komisaris melalui dapat memilih calon anggota Direksi yang diusulkan oleh
of the Board Komite Nominasi dan Remunerasi dapat menggunakan sumber pihak internal maupun eksternal.
of Directors independen untuk menentukan kandidat yang memenuhi
and Board of syarat. Bank mengatur minimum kriteria yang harus dimiliki
Commissioners 2.1.2 Dewan Komisaris memastikan bahwa kriteria dalam menyeleksi oleh calon anggota Direksi Bank baik dari sisi integritas,
anggota Direksi mencakup paling tidak pengetahuan, kompetensi, reputasi, domisili, independensi, atau kriteria
kemampuan, dan keahlian yang dibutuhkan untuk memenuhi khusus lainnya sesuai bidang Direktur.
secara tepat peran Direksi serta memperhatikan terpenuhinya
keberagaman Direksi. Kebijakan keberagaman komposisi Dewan Komisaris dan
2.1.3 Kebijakan korporasi tentang keberagaman pada, Direksi dan Direksi telah diungkapkan dalam Laporan Tahunan ini.
Dewan Komisaris diungkapkan dalam Laporan Tahunan.
2.1.4 Dewan Komisaris memastikan bahwa kebijakan dan prosedur Bank telah mengatur kebijakan keberagaman komposisi
untuk seleksi dan nominasi Komisaris adalah jelas dan anggota Dewan Komisaris dan Direksi, dan telah
transparan sehingga dapat menghasilkan komposisi Dewan dijalankan sesuai perundang-undangan yang berlaku
yang diinginkan. Dewan Komisaris menggunakan sumber sehingga menghasilkan komposisi Dewan Komisaris
independen untuk menentukan kandidat yang memenuhi yang di butuhkan Bank. Keberagaman komposisi Dewan
syarat. Komisaris telah diungkapkan dalam Laporan Tahunan ini.
2.1.5 Dewan Komisaris/Komite yang menjalankan fungsi nominasi
menetapkan prosedur dan kriteria nominasi yang konsisten
dengan matriks keahlian Dewan Komisaris yang telah disetujui
Komite Remunerasi & Nominasi juga telah melakukan
fungsi dan tanggung jawabnya dalam memastikan proses
221
Dewan Komisaris dan memastikan bahwa profil kandidat remunerasi dan nominasi di Bank berjalan dengan benar
memenuhi persyaratan yang ditetapkan dalam matriks keahlian dan transparan demi kepentingan Bank. Hal ini bisa dilihat
dan kriteria nominasi. pada pembahasan di Laporan Tahunan ini. 2024
2.1.6 Komposisi Dewan Komisaris harus dibentuk sedemikian Performance
rupa sehingga anggota-anggotanya secara kelompok Pelaksanaan tugas Dewan Komisaris termasuk komposisi, Highlights
mencerminkan keberagaman dalam hal kemampuan, keahlian, masa jabatan, independensi, kehadiran rapat dan
pengetahuan, pengalaman, usia, latar belakang budaya, dan pelatihan di sepanjang tahun disampaikan secara detil
jender yang dibutuhkan untuk memenuhi secara tepat peran pada Laporan Tahunan ini.
Dewan Komisaris. Management
2.1.7 Untuk memampukan Dewan Komisaris dalam memberikan Apply Report
advis dan supervisi secara independen kepada Direksi dan In determining candidate candidates for Director, the
untuk peran-peran yang terdapat potensi benturan kepentingan, Bank›s Board of Commissioners through the Remuneration
Dewan Komisaris terdiri dari Komisaris Independen yang cukup and Nomination Committee can select candidates for
jumlahnya, dengan masa jabatan yang dibatasi dan terdapat members of the Board of Directors proposed by internal or Company
pengungkapan jangka waktu keanggotaan Dewan Komisaris external parties.
serta independensi mereka dari sudut pandang korporasi. Profile
2.1.8 Untuk memfasilitasi fungsi Direksi dan Dewan Komisaris yang The Bank governs the minimum criteria that candidates
efektif dan guna meningkatkan kepercayaan investor dan for members of the Bank›s Board of Directors shall have
pemangku kepentingan, Komite Nominasi dan Remunerasi in terms of integrity, competence, reputation, domicile,
memastikan bahwa terdapat proses yang formal, ketat dan independence, or other special criteria according to the Management
transparan untuk penunjukan dan pengangkatan anggota Director›s field. Discussion and
Direksi dan Dewan Komisaris. Analysis
2.1.1 In determining candidates for Director, the Board of The policy on the diversity of the composition of the Board
Commissioners, through the Nomination and Remuneration of Commissioners and the Board of Directors has been
Committee, does not only rely on recommendations from disclosed in this Annual Report.
the Board of Commissioners, management, or majority Business
shareholders. The Board of Commissioners, through The Bank has governed a policy on the diversity of the Support
the Nomination and Remuneration Committee, can use composition of members of the Board of Commissioners
independent sources to determine qualified candidates. and the Board of Directors, and has been implemented Overview
2.1.2 The Board of Commissioners ensures that the criteria for in accordance with applicable laws to produce the
selecting members of the Board of Directors include at least the composition of the Board of Commissioners required by
knowledge, abilities, and expertise needed to properly fulfill the the Bank. The diversity of the composition of the Board of
role of the Board of Directors and pay attention to the fulfillment Commissioners is disclosed in this Annual Report. CORPORATE
of diversity of the Board of Directors. GOVERNANCE
2.1.3 The corporate policy on diversity in the Board of Directors and The Remuneration & Nomination Committee has also
the Board of Commissioners is disclosed in the Annual Report. carried out its functions and responsibilities in ensuring that
2.1.4 The Board of Commissioners ensures that the policies and the remuneration and nomination process at the Bank runs
procedures for the selection and nomination of Commissioners properly and transparently for the benefit of the Bank. This Sustainability
are clear and transparent, ensuring that they can produce the can be seen in the discussion in this Annual Report. Report
desired composition of the Board. The Board of Commissioners
uses independent sources to determine qualified candidates. The implementation of the duties of the Board of
2.1.5 The Board of Commissioners/Committee carrying out the Commissioners including composition, term of office,
nomination function establishes nomination procedures and independence, meeting attendance and training
criteria that are consistent with the Board of Commissioners› throughout the year are conveyed in details in this Annual
expertise matrix that has been approved by the Board of Report.
Commissioners and ensures that the candidate profile meets
the requirements set out in the expertise matrix and nomination
criteria.
2.1.6 The composition of the Board of Commissioners must be
formed in such a way that its members as a group reflect the
diversity in terms of ability, expertise, knowledge, experience,
age, cultural background, and gender required to properly fulfill
the role of the Board of Commissioners.
2.1.7 To enable the Board of Commissioners to provide independent
advice and supervision to the Board of Directors and for
roles where there is a potential conflict of interest, the Board
of Commissioners shall consist of a sufficient number of
Independent Commissioners, with limited terms of office
and disclosure of the term of membership of the Board of
Commissioners and their independence from a corporate
perspective.
2.1.8 To facilitate the effective functioning of the Board of Directors
and the Board of Commissioners and to enhance investor and
stakeholder confidence, the Nomination and Remuneration
Committee shall ensure that there is a formal, rigorous, and
transparent process for the appointment and promotion
of members of the Board of Directors and the Board of
Commissioners.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 224
Rekomendasi Penerapan
Recommendation Implementation
2.2 Remunerasi 2.2.1 Kebijakan remunerasi anggota Direksi terdiri atas struktur Diterapkan
Direksi dan remunerasi yang berorientasi pada pengembangan Bank memiliki dan menjalankan Kebijakan Remunerasi dan
Dewan Komisaris korporasi yang berkelanjutan dan mendorong pencapaian dilakukan kaji ulang secara berkala. Kebijakan remunerasi
2.2 Remuneration tujuan jangka panjang. Remunerasi Direksi harus diusulkan, Bank disusun dengan mengedepankan sistem remunerasi
of the Board dapat dengan melalui Komite Nominasi dan Remunerasi, yang kompetitif, adil dan seimbang, berdasarkan peraturan
of Directors oleh Dewan Komisaris untuk diputuskan oleh RUPS. Jumlah perundang-undangan yang berlaku.
and Board of remunerasi yang diusulkan kepada RUPS tersebut ditetapkan
Commissioners dengan mempertimbangkan peran setiap anggota Direksi Bank menyusun struktur, kebijakan, dan besaran
dan situasi ekonomi serta kinerja korporasi. remunerasi masing-masing anggota Dewan Komisaris
2.2.2 Kebijakan remunerasi anggota Dewan Komisaris terdiri atas dengan memperhatikan tugas, wewenang, kinerja,
struktur remunerasi yang berorientasi pada pengembangan dan tanggung jawab Dewan Komisaris. Bank juga
korporasi yang berkelanjutan dan mendorong pencapaian memperhatikan remunerasi yang berlaku di industri sejenis
tujuan jangka panjang. Jumlah remunerasi yang diusulkan (peers group) dan kemampuan Bank.
Dewan Komisaris kepada RUPS tersebut ditetapkan dengan
mempertimbangkan peran setiap anggota Dewan Komisaris Komite Remunerasi dan Nominasi melakukan
dan situasi ekonomi serta kinerja korporasi. Di samping itu pembahasan atas remunerasi Dewan Komisaris dengan
juga harus dipertimbangkan posisinya sebagai Komisaris mempertimbangkan informasi atas kisaran serta standar
Utama dan ketua serta keanggotaannya dalam komite- remunerasi yang berlaku di industri sejenis (peers group)
komite. serta kemampuan Bank. Remunerasi Dewan Komisaris
2.2.3 Untuk memastikan bahwa paket remunerasi ditentukan dan Direksi ditetapkan oleh RUPS.
berdasarkan prestasi, kualifikasi dan kompetensi Direktur
dan Komisaris dengan memperhatikan kinerja operasi Apply
korporasi, kinerja individu dan kondisi pasar, Komite Nominasi The Bank has and implements a Remuneration Policy and
222 dan Remunerasi memastikan bahwa terdapat prosedur yang
adil dan transparan untuk menetapkan kebijakan remunerasi
anggota Direksi dan Dewan Komisaris.
reviews it periodically. The Bank›s remuneration policy is
prepared by prioritizing a competitive, fair and balanced
remuneration system, based on applicable laws and
2.2.1 The remuneration policy for members of the Board of regulations.
Ikhtisar Kinerja Directors consists of a remuneration structure that is oriented
towards sustainable corporate development and encourages The Bank prepares the structure, policies, and amount
2024 the achievement of long-term goals. The remuneration of of remuneration for each member of the Board of
the Board of Directors must be proposed, possibly through Commissioners by considering the duties, authorities,
the Nomination and Remuneration Committee, by the Board performance, and responsibilities of the Board of
Laporan of Commissioners to be decided by the GMS. The amount Commissioners. The Bank also considers the remuneration
Manajemen of remuneration proposed to the GMS is determined by applicable amongst its peers group) and the Bank›s
considering the role of each member of the Board of capabilities.
Directors and the economic situation and performance of the
Profil corporation. The Remuneration and Nomination Committee discusses
2.2.2 The remuneration policy for members of the Board of the remuneration of the Board of Commissioners by
Perusahaan Commissioners consists of a remuneration structure that is considering information on the range and standards of
oriented towards sustainable corporate development and remuneration applicable in similar industries (peers group)
encourages the achievement of long-term goals. The amount and the Bank›s capabilities. The remuneration of the
Analisis dan of remuneration proposed by the Board of Commissioners Board of Commissioners and the Board of Directors is
Pembahasan to the GMS is determined by considering the role of each determined by the GMS.
member of the Board of Commissioners and the economic
Manajemen situation and performance of the corporation. In addition, their
positions as President Commissioner and chairman and their
membership in the committees must also be considered.
Tinjauan 2.2.3 To ensure that the remuneration package is determined based
Pendukung on the achievements, qualifications, and competencies of the
Directors and Commissioners by considering the performance
Bisnis of corporate operations, individual performance, and market
conditions, the Nomination and Remuneration Committee
ensures that there is a fair and transparent procedure for
TATA KELOLA determining the remuneration policy for members of the
PERUSAHAAN Board of Directors and the Board of Commissioners.
Prinsip 3: Hubungan Kerja antara Direksi dan Dewan Komisaris
Principle 3: Working Relationship between the Board of Directors and the Board of Commissioners
Laporan
Keberlanjutan 3.1 Sifat Hubungan 3.1.1 Terdapat diskusi yang terbuka antara Direksi dengan Dewan Diterapkan
Kerja Komisaris serta di antara para anggota Direksi dan para anggota Diskusi Direksi dan Dewan Komisaris dapat dilakukan
3.1 Nature of Working Dewan Komisaris. Namun, tetap penting menjaga kerahasiaan melalui rapat Gabungan Dewan Komisaris bersama
Relationship informasi agar tidak terjadi kebocoran informasi rahasia. dengan Direksi. Hasil diskusi tersebut di catat pada risalah
3.1.2 Sesuai dengan tugas dan perannya masing-masing, Direksi rapat yang bersifat confidential.
bekerja sama dengan Dewan Komisaris dalam merumuskan
misi, visi dan strategi korporasi dan secara reguler membahas Setiap tahun, strategi dan kebijakan Bank dalam jangka
pengimplementasiannya. pendek dan menengah disusun dalam bentuk Rencana
3.1.3 Sekretaris Korporasi memiliki peran penting dalam mendukung Bisnis Bank (RBB) sesuai dengan Visi dan Misi yang telah
efektivitas hubungan kerja antara Direksi dengan Dewan ditetapkan. Secara berkala, Direksi bersama Dewan
Komisaris, mendorong implementasi praktek governansi Komisaris melakukan evaluasi berkala terhadap strategi
korporat yang baik, termasuk komunikasi yang efektif dengan dan kebijakan Bank serta implementasinya di seluruh level
pemegang saham dan pemangku kepentingan lainnya. organisasi.
3.1.1 There is an open discussion between the Board of Directors
and the Board of Commissioners and between the members Bank menunjuk Retno Tri Wulandari sebagai Sekretaris
of the Board of Directors and the members of the Board of Perusahaan berdasarkan Surat Keputusan Direksi
Commissioners. However, it is still important to maintain the SK.015/2017/PRESDIR tanggal 16 Mei 2017. Sekretaris
confidentiality of information to prevent leakage of confidential Perusahaan Bank bertanggung jawab untuk memelihara
information. citra Bank dan melindungi kepentingan Bank dengan
3.1.2 In accordance with their respective duties and roles, the Board membangun komunikasi dan hubungan baik dengan
of Directors works together with the Board of Commissioners semua pihak serta sebagai penghubung antara Bank
in formulating the mission, vision, and corporate strategy and dengan Pemegang Saham serta Pemangku Kepentingan
regularly discusses its implementation. lainnya.
3.1.3 The Corporate Secretary has an important role in supporting the
effectiveness of the working relationship between the Board
of Directors and the Board of Commissioners, encouraging
the implementation of good corporate governance practices,
including effective communication with shareholders and other
stakeholders.
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PT. Bank Sinarmas Tbk. 2024
Page 225
Rekomendasi Penerapan
Recommendation Implementation
Apply
Discussions between the Board of Directors and the Board
of Commissioners can be conducted through a Joint
Meeting of the Board of Commissioners together with
the Board of Directors. The results of the discussion are
recorded in confidential minutes of the meeting.
Every year, the Bank›s short and medium-term strategies
and policies are prepared in the form of a Bank Business
Plan (RBB) in accordance with the established Vision
and Mission. Periodically, the Board of Directors together
with the Board of Commissioners conduct periodic
evaluations of the Bank›s strategies and policies and their
implementation at all levels of the organization.
The Bank appointed Retno Tri Wulandari as Corporate
Secretary based on the Decree of the Board of Directors
SK.015/2017/PRESDIR dated 16 May 2017. The Bank›s
Corporate Secretary is responsible for maintaining
the Bank›s image and protecting the Bank›s interests
by building good communication and relationships
with all parties and as a liaison between the Bank and
Shareholders and other Stakeholders.
3.2 Akses informasi
Dewan Komisaris
3.2.1 Direksi bertanggung jawab untuk memastikan Dewan Komisaris
mendapatkan akses informasi yang akurat, relevan dan
Diterapkan
Dewan Komisaris dapat berinteraksi dengan Direksi baik
223
3.2 Access to tepat waktu. Dewan Komisaris sendiri memastikan bahwa ia secara langsung maupun melalui rapat Dewan Komisaris
information of memperoleh informasi yang memadai. Direksi menyediakan bersama Direksi yang sudah dijadwalkan maupun pada
the Board of informasi kepada Dewan Komisaris secara teratur, tanpa masa tertentu jika ada informasi/peristiwa yang material 2024
Commissioners penundaan dan secara komprehensif tentang semua masalah harus disampaikan kepada Dewan Komisaris. Performance
yang relevan dengan korporasi. Dewan Komisaris sewaktu- Highlights
waktu dapat meminta Direksi untuk memberikan informasi Sekretaris Perusahaan juga membantu Direksi
tambahan. menyediakan akses informasi yang akurat, relevan
3.2.1 The Board of Directors is responsible for ensuring that the dan tepat waktu kepada Dewan Komisaris, diantaranya
Board of Commissioners has access to accurate, relevant and undangan dan materi rapat Gabungan Dewan Management
timely information. The Board of Commissioners itself ensures Komisaris bersama Direksi. Sekretaris Perusahaan Report
that it obtains adequate information. The Board of Directors juga mengadministrasikan, mendistribusikan serta
provides information to the Board of Commissioners regularly, menindaklanjuti surat masuk yang diterima Bank dan
without delay and comprehensively on all matters relevant to ditujukan kepada Direksi dan/atau Dewan Komisaris.
the corporation. The Board of Commissioners may at any time Company
request the Board of Directors to provide additional information. Apply
The Board of Commissioners can interact with the Profile
Board of Directors either directly or through scheduled
joint meetings of the Board of Commissioners with the
Board of Directors or at certain times if there is material
information/events that must be conveyed to the Board of Management
Commissioners. Discussion and
Analysis
The Corporate Secretary also assists the Board of
Directors in providing access to accurate, relevant
and timely information to the Board of Commissioners,
including invitations and materials for joint meetings of Business
the Board of Commissioners with the Board of Directors. Support
The Corporate Secretary also administers, distributes
and follows up on incoming letters received by the Bank Overview
and addressed to the Board of Directors and/or Board of
Commissioners.
3.3 Tanggung jawab 3.3.1 Dampak struktur kepemilikan terhadap korporasi. Direksi dan Diterapkan CORPORATE
Direksi dan Dewan Komisaris mempertimbangkan tanggung jawabnya Direksi dan Dewan Komisaris Bank memastikan bahwa GOVERNANCE
Dewan Komisaris dalam konteks struktur kepemilikan saham dan hubungan struktur pemegang saham dan hubungan antar-pemegang
atas Dampak antar-pemegang saham korporasi yang mungkin berdampak saham tidak mempengaruhi pelaksanaan peran dan
Struktur terhadap pengelolaan dan operasi korporasi. tanggung jawab Direksi dan Dewan Komisaris Bank.
3.3 Responsibility 3.3.1 Impact of ownership structure on the corporation. The Board Seluruh keputusan dan kebijakan yang diambil Direksi dan Sustainability
of the Board of Directors and the Board of Commissioners consider their Dewan Komisaris Bank diambil secara independen dan Report
of Directors responsibilities in the context of the corporation's share transparan demi kepentingan Bank.
and Board of ownership structure and relationships between shareholders
Commissioners that may impact the management and operations of the Apply
for the Impact of corporation. The Board of Directors and Board of Commissioners
the Structure of the Bank ensure that the shareholder structure and
relationships between shareholders do not affect the
implementation of the roles and responsibilities of the
Board of Directors and Board of Commissioners of the
Bank. All decisions and policies taken by the Board of
Directors and Board of Commissioners of the Bank are
taken independently and transparently for the benefit of
the Bank.
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2024 PT. Bank Sinarmas Tbk.
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Rekomendasi Penerapan
Recommendation Implementation
Prinsip 4: Perilaku Etis dan Bertanggung jawab
Principle 4: Ethical and Responsible Behavior
4.1 Pedoman Etika 4.1.1 Pernyataan ini dituangkan dalam Pedoman Perilaku dan Etika Diterapkan
dan Perilaku Usaha yang harus secara jelas mengungkapkan harapan Bank memiliki Kebijakan Kode Etik dan Pedoman Tingkah
4.1 Code of Ethics korporasi bahwa setiap anggota Direksi dan Dewan Komisaris Laku sebagaimana tertuang dalam Surat Keputusan
and Conduct serta karyawan akan: No.SK.114/2023/PRESDIR-HCSS dan SOP Sistem
a. Bertindak untuk kepentingan terbaik korporasi; Manajemen Anti Penyuapan melalui Surat Keputusan No.
b. Bertindak dengan jujur dan dengan integritas berstandar SK.039/2021/Dir1-Comp yang wajib ditaati oleh Direksi,
tinggi; Dewan Komisaris dan seluruh karyawan.
c. Bersikap independen dan bertindak berdasarkan informasi Pelaksanaan dan penerapan Kode Etik & Kode Perilaku
yang lengkap, dengan itikad baik, dengan uji tuntas dan dan Kebijakan Anti suap dan Korupsi menjadi tanggung
kehati-hatian; jawab seluruh manajemen dan karyawan di seluruh
d. Mematuhi peraturan perundang-undangan yang berlaku jenjang organisasi yang dituangkan dalam Deklarasi Pakta
bagi korporasi dan operasinya; Integritas, Kode Etik dan Komitmen Antisuap dan Korupsi
e. Menghindari tindakan yang melanggar peraturan yang ditandatangani oleh Direksi dan Dewan Komisaris
perundang-undangan atau tindakan yang tidak etis serta diatestasi oleh seluruh karyawan setiap tahunnya.
berdasarkan pedoman etika korporasi;
f. Tidak terlibat atau berpartisipasi dalam kegiatan apa pun Informasi lebih lengkap disampaikan dalam Laporan
yang akan menimbulkan benturan kepentingan dengan Tahunan ini.
kepentingan terbaik korporasi atau yang akan berdampak
negatif terhadap reputasi korporasi; Apply
g. Tidak mengambil manfaat atas properti atau informasi The Bank has a Code of Ethics Policy and Guidelines for
224 yang dimiliki korporasi, kepemilikan aset lainnya atau
pelanggannya untuk kepentingan pribadi atau yang
menyebabkan kerugian bagi korporasi dan pelanggannya.
Conduct as stated in Decree No.SK.114/2023/PRESDIR-
HCSS and SOP for the Anti-Bribery Management System
through Decree No. SK.039/2021/Dir1-Comp which
h. Tidak memanfaatkan jabatannya atau peluang yang must be obeyed by the Board of Directors, Board of
Ikhtisar Kinerja dihasilkan oleh jabatannya untuk kepentingan pribadi; Commissioners and all employees.
i. Menghindari perbuatan meminta atau menerima dari pihak
2024 ketiga pembayaran, gratifikasi atau keuntungan lain untuk The implementation and application of the Code of Ethics
dirinya sendiri atau untuk orang lain yang menimbulkan & Code of Conduct and Anti-Bribery and Corruption Policy
benturan kepentingan/ memberikan keuntungan kepada is the responsibility of all management and employees at
Laporan pihak ketiga secara melanggar peraturan perundang- all levels of the organization as stated in the Declaration
Manajemen undangan; of Integrity Pact, Code of Ethics and Anti-Bribery and
j. Menghormati perbedaan pendapat dan hak-hak setiap Corruption Commitment signed by the Board of Directors
anggota Direksi, Dewan Komisaris, dan karyawan; and Board of Commissioners and attested by all
k. Memastikan pengungkapan yang lengkap, adil, akurat, tepat employees annually.
Profil waktu, dan dapat dipahami dalam laporan dan dokumen
Perusahaan yang disampaikan korporasi kepada regulator dan dalam More complete information is provided in this Annual
komunikasi publik lainnya; Report.
4.1.2 Direksi menetapkan kebijakan dan praktik anti pencucian
Analisis dan uang dan pendanaan terorisme, anti suap, antikorupsi,
Pembahasan antikecurangan (antifraud), keterlibatan dalam politik dengan
mengacu pada standar nasional atau internasional mengenai
Manajemen anti pencucian uang, anti suap, antikorupsi, antikecurangan
atau standar terkait lainnya.
4.1.1 This statement is set out in the Code of Conduct and Business
Tinjauan Ethics, which must clearly express the corporation's expectation
Pendukung that each member of the Board of Directors and Board of
Commissioners and employee will:
Bisnis a. Act in the best interests of the corporation;
b. Act honestly and with high standards of integrity;
c. Be independent and act based on complete information, in
TATA KELOLA good faith, with due diligence and prudence;
PERUSAHAAN d. Comply with laws and regulations applicable to the
corporation and its operations;
e. Avoid actions that violate laws and regulations or actions that
are unethical based on the corporate ethics guidelines;
Laporan f. Not engage or participate in any activity that would create a
Keberlanjutan conflict of interest with the best interests of the corporation
or that would negatively impact the corporation's reputation;
g. Not take advantage of the property or information owned by
the corporation, other asset ownership, or its customers for
personal gain or that causes losses to the corporation and its
customers.
h. Not take advantage of his/her position or opportunities
generated by his/her position for personal gain;
i. Avoiding the act of requesting or receiving from third parties
payments, gratuities, or other benefits for oneself or for
others that give rise to a conflict of interest/providing benefits
to third parties in violation of laws and regulations;
j. Respecting differences of opinion and the rights of each
member of the Board of Directors, Board of Commissioners,
and employees;
k. Ensuring complete, fair, accurate, timely, and understandable
disclosure in reports and documents submitted by the
corporation to regulators and in other public communications;
4.1.2 The Board of Directors establishes policies and practices for
anti-money laundering and terrorism financing, anti-bribery, anti-
corruption, anti-fraud, and involvement in politics by referring to
national or international standards on anti-money laundering,
anti-bribery, anti-corruption, anti-fraud, or other related
standards.
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Rekomendasi Penerapan
Recommendation Implementation
4.2 Nilai–nilai 4.2.1 Korporasi mengartikulasikan, menumbuhkan dan Diterapkan
dan Budaya mengungkapkan budaya dan nilai-nilai korporasi Bank menerapkan nilai dan budaya kerja agar setiap
Organisasi 4.2.1 The corporation articulates, cultivates and expresses its lini organisasi dapat menjalankan operasional dengan
4.2 Organizational corporate culture and values. baik dan mencegah terjadinya berbagai tindakan fraud,
Values and pencucian uang dan pendanaan terorisme, anti korupsi,
Culture penawaran atau penerimaan suap serta pembayaran atau
bujukan-bujukan lainnya untuk melakukan perbuatan yang
melanggar peraturan perundang-undangan.
Proses internalisasi nilai dan budaya perusahaan dalam
kehidupan pekerjaan sehari-hari yang telah dilakukan oleh
Bank telah disampaikan pada Laporan Tahunan ini.
Apply
The Bank implements work values and culture so that
every line of the organization can carry out operations
properly and prevent various acts of fraud, money
laundering and terrorism financing, anti-corruption, offering
or accepting bribes and other payments or inducements to
commit acts that violate laws and regulations.
The process of internalizing corporate values and culture
in daily work life that has been carried out by the Bank has
4.3 Penegakan dan 4.3.1 Pedoman perilaku dan kode etik korporasi dikomunikasikan
been conveyed in this Annual Report.
Diterapkan
225
Komunikasi secara efektif kepada Direksi, Dewan Komisaris, serta seluruh Internalisasi Kode Etik & Kode Perilaku dilakukan secara
Pedoman Etika, karyawan, diintegrasikan ke dalam strategi dan operasi berkala melalui berbagai media yang tersedia guna
Nilai- nilai dan korporasi termasuk sistem manajemen risiko dan struktur menumbuhkan kesadaran dan pemahaman untuk 2024
Budaya remunerasi, serta ditegakkan. menerapkan perilaku yang sesuai dengan Nilai Utama Performance
4.3 Enforcement and 4.3.1 The corporate code of conduct and code of ethics are Bank. Secara berkala, anggota Dewan Komisaris dan Highlights
Communication effectively communicated to the Board of Directors, Board of Direksi menandatangani Pakta Integritas, Kode Etik dan
of Code of Ethics, Commissioners and all employees, integrated into the corporate Komitmen Antisuap dan Korupsi, diikuti atestasi pakta yang
Values and strategy and operations including the risk management system sama oleh seluruh karyawan Bank.
Culture and remuneration structure, and enforced. Management
Informasi lebih lengkap disampaikan dalam Laporan Report
Tahunan ini.
Apply
Internalization of the Code of Ethics & Code of Conduct is Company
carried out periodically through various available media in
order to raise awareness and understanding to implement Profile
behavior in accordance with the Bank›s Core Values.
Periodically, members of the Board of Commissioners and
Board of Directors sign the Integrity Pact, Code of Ethics
and Anti-Bribery and Corruption Commitment, followed by Management
attestation of the same pact by all Bank employees. Discussion and
Analysis
More complete information is presented in this Annual
Report.
Prinsip 5: Manajemen Risiko, Pengendalian Internal dan Kepatuhan Business
Principle 5: Risk Management, Internal Control and Compliance
Support
5.1 Pengendalian 5.1.1 Direksi melakukan reviu secara berkala atas ketepatan desain Diterapkan Overview
Internal dan dan efektivitas operasional sistem governansi, pengelolaan Direksi telah melaksanakan Sistem Pengendalian Intern
Kepatuhan risiko, pengendalian internal dan kepatuhan korporasi sesuai dengan prinsip-prinsip pengendalian dan evaluasi
5.1 Internal Control and dan melaporkan pelaksanaan dan hasil reviu kepada para yang dilakukan Bank secara keseluruhan memperlihatkan
Compliance pemegang saham melalui laporan tahunan Korporasi. kualitas Sistem Pengendalian Intern Bank berjalan dengan CORPORATE
5.1.1 The Board of Directors conducts regular reviews of the baik. Direksi dan Dewan Komisaris menyatakan bahwa GOVERNANCE
appropriateness of the design and operational effectiveness Bank telah memiliki sistem pengendalian intern yang
of the governance system, risk management, internal control, efektif dan memadai dalam mengelola risiko-risiko yang
and corporate compliance and reports the implementation and dihadapi Bank tetap berada dalam batas toleransi (risk
results of the review to shareholders through the Corporation's appetite) dalam mendukung pencapaian tujuan Bank. Sustainability
annual report. Report
Pembahasan terkait Komite Pemantau Risiko dan Sistem
Pengendalian Intern telah disampaikan pada Laporan
Tahunan ini.
Apply
The Board of Directors has implemented the Internal
Control System in accordance with the principles of
control and evaluation carried out by the Bank as a
whole, showing that the quality of the Bank›s Internal
Control System is running well. The Board of Directors
and the Board of Commissioners stated that the Bank
has an effective and adequate internal control system in
managing the risks faced by the Bank, remaining within the
tolerance limit (risk appetite) in supporting the achievement
of the Bank›s objectives.
Discussion related to the Risk Monitoring Committee and
Internal Control System has been presented in this Annual
Report.
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 228
Rekomendasi Penerapan
Recommendation Implementation
5.2 Manajemen Risiko 5.2.1 Strategi dan risiko merupakan satu kesatuan, diungkapkan Diterapkan
5.2 Risk Management secara transparan, masuk ke dalam pelaksanaan tugas dan Dewan Komisaris dan Direksi senantiasa melakukan
tanggung jawab Direksi dan Dewan Komisaris, serta dalam pengelolaan dan pemantauan risiko-risiko utama Bank
diskusi di rapat Dewan Komisaris dan Direksi. dengan baik. Menyeimbangkan antara risiko, budaya
5.2.2 Komite Pemantau Manajemen Risiko membantu pelaksanaan kepatuhan dan kecukupan modal juga menjadi kebijakan
tugas Dewan Komisaris dengan menciptakan mekanisme pilar strategis Bank.
yang transparan, fokus, dan independen dalam pengawasan
manajemen risiko korporasi. Dewan Komisaris dan Direksi dibantu oleh Komite
5.2.1 Strategy and risk are one entity, expressed transparently, Pemantau Risiko dan Komite Manajemen Risiko secara
included in the implementation of the duties and responsibilities berkala memantau dan mengkaji efektifitas pengendalian
of the Board of Directors and the Board of Commissioners, and dan pengelolaan risiko.
in discussions at meetings of the Board of Commissioners and
the Board of Directors. Dewan Komisaris memiliki Komite Pemantau Risiko
5.1.2 The Risk Management Monitoring Committee assists the yang beranggotakan Komisaris Independen dan Pihak
implementation of the duties of the Board of Commissioners by Independen yang berkompeten dan memiliki latar
creating a transparent, focused, and independent mechanism belakang sesuai dengan peraturan dan kebutuhan Bank.
for supervising corporate risk management. Komite Pemantau Risiko membantu memastikan bahwa
penerapan manajemen risiko Bank tetap memenuhi
unsur-unsur kecukupan prosedur dan metodologi
pengelolaan risiko, sehingga kegiatan usaha Bank tetap
dapat terkendali pada batas/limit yang dapat diterima dan
menguntungkan Bank.
226 Informasi lebih lengkap telah disampaikan dalam Laporan
Tahunan ini
Apply
Ikhtisar Kinerja The Board of Commissioners and the Board of Directors
consistently manage and monitor the Bank›s main risks
2024 well. Balancing risk, compliance culture and capital
adequacy is also a strategic pillar policy of the Bank.
Laporan The Board of Commissioners and the Board of Directors
Manajemen are assisted by the Risk Monitoring Committee and the
Risk Management Committee to periodically monitor and
review the effectiveness of risk control and management.
Profil The Board of Commissioners has a Risk Monitoring
Perusahaan Committee consisting of Independent Commissioners
and Independent Parties who are competent and have
backgrounds in accordance with the Bank›s regulations
Analisis dan and needs. The Risk Monitoring Committee helps ensure
Pembahasan that the implementation of the Bank›s risk management
continues to meet the elements of adequacy of risk
Manajemen management procedures and methodologies, so that the
Bank›s business activities can remain controlled within
acceptable limits and benefit the Bank.
Tinjauan
Pendukung More complete information has been presented in this
Annual Report.
Bisnis
5.3 Integrasi 5.3.1 Direksi membangun sistem governansi, manajemen risiko, Diterapkan
Governansi, dan kepatuhan (GRC) yang terintegrasi, dengan menangani Direksi memastikan adanya koordinasi dan peningkatan
TATA KELOLA Manajemen Risiko berbagai ketidakpastian secara terpadu dan dengan kapabilitas di antara sistem utama GRC yang meliputi
PERUSAHAAN dan Kepatuhan integritas yang tinggi, untuk meyakinkan bahwa korporasi sistem governansi, manajemen strategi, manajemen
5.3 Integration of dapat mencapai tujuannya. kinerja, manajemen risiko, manajemen kepatuhan, dan
Governance, Risk 5.3.2 Direksi memastikan bahwa bagian yang membawahi fungsi sistem audit internal agar korporasi tetap berada pada jalur
Management and kepatuhan tidak merangkap melaksanakan fungsi yang yang benar dalam mencapai tujuannya.
Laporan Compliance berpotensi menimbulkan benturan kepentingan.
Keberlanjutan 5.3.1 The Board of Directors builds an integrated governance, risk Direktur Kepatuhan juga tidak merangkap melakanakan
management, and compliance (GRC) system by handling fungsi yang berpotensi menimbulkan benturan
various uncertainties in an integrated manner and with high kepentingan sebagaimana digambarkan dalam Struktur
integrity to ensure that the corporation can achieve its goals. Organisasi Bank dalam Laporan Tahunan ini.
5.3.2 The Board of Directors ensures that the party in charge of the
compliance function does not concurrently carry out functions Apply
that have the potential to cause a conflict of interest. The Board of Directors ensures coordination and capability
enhancement among the GRC main systems, which include
the governance system, strategy management, performance
management, risk management, compliance management,
and internal audit system so that the corporation remains on
the right track in achieving its objectives.
The Compliance Director also does not concurrently
perform functions that have the potential to cause conflicts
of interest as described in the Bank’s Organizational
Structure in this Annual Report.
5.4 Audit Internal 5.4.1 Dewan Komisaris melalui Komite Audit memantau dan Diterapkan
5.4 Internal Audit memastikan bahwa fungsi audit internal membantu korporasi Dewan Komisaris memiliki Komite Audit yang memastikan
untuk mencapai tujuannya dengan membawa pendekatan yang pelaksanaan tugas audit internal telah dilakukan
objektif dan disiplin untuk mengevaluasi dan meningkatkan secara objektif dan independen. Pengangkatan dan
efektivitas manajemen risiko, pengendalian internal, dan pemberhentian Kepala Audit Internal juga memperhatikan
governansi korporat. rekomendasi dari Komite Audit, serta internal audit memiliki
5.4.1 The Board of Commissioners, through the Audit Committee, akses langsung kepada Komite Audit.
monitors and ensures that the internal audit function helps the
corporation achieve its objectives by bringing an objective Apply
and disciplined approach to evaluating and improving the Apply
effectiveness of risk management, internal control, and
corporate governance. The Board of Commissioners has an Audit Committee that
ensures the implementation of internal audit duties has been
carried out objectively and independently. The appointment
and dismissal of the Head of Internal Audit also takes into
account the recommendations of the Audit Committee, and
internal audit has direct access to the Audit Committee.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 229
Rekomendasi Penerapan
Recommendation Implementation
Prinsip 6: Pengungkapan dan Transparansi
Principle 6: Disclosure and Transparency
6.1 Kebijakan 6.1.1 Korporasi memiliki kebijakan dan prosedur pengungkapan Diterapkan
Pengungkapan dan transparansi yang memastikan pengungkapan informasi Bank memiliki Kebijakan Komunikasi dengan Pemegang
6.1 Disclosure Policy material dan menjaga informasi sensitif serta rahasia korporasi. Saham dan Investor melalui Surat Keputusan No.
6.1.2 Hak pemegang saham untuk memperoleh secara teratur dan SK.102/2021/PRESDIR-CorSec yang mengatur
tepat waktu informasi material yang relevan tentang korporasi pengungkapan informasi material dan menjaga informasi
harus dipenuhi. sensitif serta rahasia, serta kewajiban pengungkapan/
6.1.1 The corporation has disclosure and transparency policies and keterbukaan informasi berdasarkan peraturan berlaku.
procedures that ensure disclosure of material information and Bank memastikan seluruh pemegang saham memiliki hak
safeguard sensitive and confidential corporate information. yang sama dalam menerima informasi material secara
6.1.2 The right of shareholders to receive timely and regular relevant benar, tepat waktu, berkala dan sesuai peraturan yang
material information about the corporation must be fulfilled. berlaku.
Apply
The Bank has a Communication Policy with Shareholders
and Investors through Decree No. SK.102/2021/PRESDIR-
CorSec which regulates the disclosure of material
information and maintaining sensitive and confidential
information, as well as the obligation to disclose/open
information based on applicable regulations. The Bank
ensures that all shareholders have the same rights to
receive material information correctly, on time, periodically
and in accordance with applicable regulations. 227
6.2 Laporan 6.2.1 Korporasi mengungkapkan sistem dan prosedur untuk Diterapkan
Keuangan dan memastikan bahwa laporan keuangan interim yang tidak Bank memiliki sistem dan prosedur yang mengatur
Keberlanjutan diaudit atau direviu oleh auditor eksternal secara material pengendalian internal atas pelaporan keuangan, termasuk 2024
6.2 Financial and adalah akurat, lengkap, dan memberikan investor informasi laporan keuangan interim, peran fungsi manajemen risiko/ Performance
Sustainability yang tepat untuk membuat keputusan investasi yang tepat. kepatuhan/pengawasan manajemen dan fungsi audit Highlights
Reports 6.2.2 Komite Audit memastikan kualitas audit laporan keuangan internal dalam memastikan integritas laporan keuangan
yang dilaksanakan oleh auditor eksternal. Kegiatan ini termasuk interim, dan peran Komite Audit dalam mereviu laporan
merekomendasikan penunjukan, penunjukan kembali dan, jika keuangan yang akan dipublikasikan oleh Bank.
perlu, pemberhentian dan remunerasi auditor eksternal. Management
6.2.3 Laporan keberlanjutan harus disiapkan dan diungkapkan Komite Audit Bank memastikan kualitas audit laporan Report
dengan akurat dan disusun sesuai kerangka pelaporan keuangan yang dilaksanakan oleh auditor eksternal.
keberlanjutan nasional atau internasional. Kegiatan ini termasuk merekomendasikan penunjukan,
6.2.4 Korporasi menerbitkan laporan tahunan secara terintegrasi penunjukan kembali dan, jika perlu, pemberhentian dan
yang menempatkan kinerja historis ke dalam konteks dan remunerasi auditor eksternal. Company
menggambarkan risiko, peluang, dan prospek korporasi di
masa depan, sehingga membantu pemegang saham dan Laporan Keberlanjutan Bank disusun sesuai kerangka Profile
pemangku kepentingan memahami tujuan strategis korporasi pelaporan yang berlaku.
dan kemajuannya dalam menciptakan nilai yang berkelanjutan.
6.2.1 The corporation discloses the systems and procedures to Laporan Tahunan Bank telah mencantumkan kinerja
ensure that interim financial statements that are not audited historis dalam konteks dan menggambarkan risiko, Management
or reviewed by external auditors are materially accurate and peluang, dan prospek korporasi di masa depan. Discussion and
complete and provide investors with the right information to Analysis
make informed investment decisions. Apply
6.2.2 The Audit Committee ensures the quality of the audit of The Bank has systems and procedures that govern internal
financial statements performed by external auditors. This activity control over financial reporting, including interim financial
includes recommending the appointment, reappointment, reports, the role of the risk management/compliance/ Business
and, if necessary, the dismissal and remuneration of external management oversight function and the internal audit
auditors. function in ensuring the integrity of interim financial reports, Support
6.2.3 The sustainability report must be prepared and disclosed and the role of the Audit Committee in reviewing the Overview
accurately and prepared in accordance with a national or financial reports to be published by the Bank.
international sustainability reporting framework.
6.2.4 The corporation publishes an integrated annual report that The Bank›s Audit Committee ensures the quality of the
places historical performance in context and describes the financial report audits carried out by the external auditor. CORPORATE
corporation’s future risks, opportunities, and prospects, thereby This activity includes recommending the appointment, GOVERNANCE
helping shareholders and stakeholders understand the reappointment and, if necessary, the dismissal and
corporation’s strategic objectives and its progress in creating remuneration of the external auditor.
sustainable value.
The Bank›s Sustainability Report is prepared in accordance Sustainability
with the applicable reporting framework. Report
The Bank›s Annual Report has included historical
performance in context and describes the risks,
opportunities and future prospects of the corporation.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 230
Rekomendasi Penerapan
Recommendation Implementation
6.3 Diseminasi 6.3.1 Saluran penyebaran informasi harus menyediakan akses Diterapkan
Informasi yang setara, tepat waktu, dan relatif murah untuk informasi Bank secara berkala memperbarui dan memberikan
6.3 Dissemination of yang relevan bagi pengguna. kemudahan akses informasi seputar aktivitas dan
Information 6.3.2 Korporasi memastikan bahwa pernyataan tahunan terhadap kinerjanya kepada para pemangku kepentingan agar
penerapan Pedoman Umum Governansi Korporat Indonesia, mengetahui kondisi Bank secara jelas dan terbuka.
termasuk penjelasan atas penerapan atas masing-masing Berbagai sarana komunikasi yang tersedia termasuk
Rekomendasi dan Panduan tersedia di situs web selama media sosial, situs web, email blast dan paparan publik
jangka waktu minimal lima tahun bagi nasabah dan publik, siaran pers, serta sarana
6.3.3 Untuk korporasi yang terdaftar di pasar modal di yurisdiksi komunikasi khusus internal untuk karyawan Bank
selain yurisdiksi asal, peraturan perundang- undangan atas Sinarmas, diantaranya:
governansi korporat yang berlaku harus di diungkapkan • Pertemuan, interaksi dan diskusi dengan pemegang
dengan jelas. Dalam hal cross listing, kriteria dan prosedur saham, investor melalui Public Expose.
cross listing, kriteria dan prosedur untuk mengakui • Situs web dan media sosial yang dimiliki Bank
persyaratan listing untuk listing utama harus transparan dan (Facebook, Instagram, Twitter, Youtube dan LinkedIn)
didokumentasikan dan siaran pers
6.3.1 Information dissemination channels must provide equal,
timely, and relatively inexpensive access to relevant Apply
information for users. The Bank regularly updates and provides easy access
6.3.2 Corporations ensure that annual statements on the to information about its activities and performance to
implementation of the General Guidelines for Indonesian stakeholders to let them know the Bank›s condition clearly
Corporate Governance, including explanations on the and openly. Various means of communication available
implementation of each Recommendation and Guideline, are include social media, websites, email blasts and public
available on the website for a minimum period of five years exposures for customers and the public, press releases,
228 6.3.3 For corporations listed on a capital market in a jurisdiction
other than the home jurisdiction, applicable corporate
governance laws and regulations must be clearly disclosed.
and special internal communication facilities for Bank
Sinarmas employees, including:
• Meetings, interactions and discussions with
In the case of cross-listing, the criteria and procedures for shareholders, investors through Public Expose.
Ikhtisar Kinerja cross-listing and the criteria and procedures for recognizing • Websites and social media owned by the Bank
listing requirements for the primary listing must be transparent (Facebook, Instagram, Twitter, Youtube and LinkedIn)
2024 and documented and press releases
Prinsip 7: Perlindungan terhadap Hak- Hak Pemegang Saham
Laporan Principle 7: Protection of Shareholders' Rights
Manajemen
7.1 Hak Pemegang 7.1.1 Korporasi memiliki suatu kebijakan komunikasi yang Diterapkan
Saham memfasilitasi dan mendorong partisipasi pemegang saham Bank memiliki Kebijakan Komunikasi dengan Pemegang
7.1 Shareholder atau investor. Saham dan Investor melalui Surat Keputusan No.
Profil Rights 7.1.2 Korporasi yang merupakan entitas induk memastikan bahwa SK.102/2021/PRESDIR-CorSec. yang dapat menjadi acuan
Perusahaan kebijakan governansi korporatnya berlaku bagi entitas anak bagi anak perusahaan.
dan entitas sepengendali yang di dalamnya investasi korporasi
adalah signifikan. Apply
Analisis dan 7.1.3 Korporasi memiliki aturan dan prosedur yang mengatur akuisisi, The Bank has a Communication Policy with Shareholders
pengambil alihan, dan transaksi luar biasa seperti merger dan and Investors through Decree No. SK.102/2021/PRESDIR-
Pembahasan penjualan aset korporasi yang substansial untuk memastikan CorSec. which can be a reference for subsidiaries.
Manajemen transaksi terjadi secara transparan dan dalam kondisi yang
wajar dan melindungi hak-hak semua pemegang saham sesuai
dengan kelasnya.
Tinjauan 7.1.1 The corporation has a communications policy that facilitates
Pendukung and encourages shareholder or investor participation.
7.1.2 The corporation, which is a parent entity, ensures that its
Bisnis corporate governance policy applies to subsidiaries and
entities under common control in which the corporation has
significant investments.
TATA KELOLA 7.1.3 The corporation has rules and procedures governing
PERUSAHAAN acquisitions, takeovers, and extraordinary transactions such
as mergers and sales of substantial corporate assets to ensure
that transactions occur transparently and on fair terms and
protect the rights of all shareholders according to their class.
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 231
Rekomendasi Penerapan
Recommendation Implementation
7.2 Perlakuan 7.2.1 Korporasi memiliki aturan dan prosedur yang memastikan a). Diterapkan
Adil Terhadap semua pemegang saham dari seri yang sama dalam satu kelas Sesuai dengan Anggaran Dasar Bank, Pemegang Saham
Pemegang saham harus diperlakukan setara, b). pengungkapan aturan memiliki hak yang sama yakni masing-masing saham
Saham dan prosedur tersebut serta pengungkapan struktur modal dan memiliki hak atas 1 (satu) suara.
7.2 Fair Treatment of pengaturan yang memungkinkan pemegang saham tertentu
Shareholders memeroleh pengaruh atau kendali yang tidak proporsional Bank senantiasa memastikan transaksi pihak berelasi yang
dengan kepemilikan sahamnya. dilaksanakan tidak memiliki benturan kepentingan serta
7.2.2 Korporasi memiliki aturan dan prosedur yang memastikan kepentingan Bank dan pemegang saham telah terlindungi.
transaksi pihak berelasi disetujui dan dilaksanakan sedemikian
rupa yang dapat meyakinkan bahwa benturan kepentingan Pengungkapan untuk mencegah terjadinya insider trading,
telah dikelola dengan tepat, dan melindungi kepentingan salah satunya tertuang dalam Pedoman Kode Etik &
korporasi dan pemegang saham. Perilaku. Bank juga memiliki Kebijakan Transaksi Afiliasi
7.2.3 Korporasi memiliki dan mengungkapkan kebijakan untuk dan Transaksi Benturan Kepentingan serta Transaksi
mencegah terjadinya insider trading. Korporasi memiliki Material dan Perubahan Kegiatan Usaha.
aturan yang jelas mengenai perdagangan apa pun dalam
saham korporasi yang dilakukan oleh Direktur, Komisaris Apply
dan orang dalam untuk memastikan bahwa siapa pun tidak In accordance with the Bank›s Articles of Association,
boleh mendapatkan keuntungan secara langsung atau tidak Shareholders have the same rights, namely each share
langsung dari informasi yang tidak/belum tersedia di pasar. has the right to 1 (one) vote.
7.2.1 The Corporation has rules and procedures that ensure a)
all shareholders of the same series in a class of shares are The Bank always ensures that related party transactions
treated equally and b) disclosure of such rules and procedures carried out do not have a conflict of interest and that the
and disclosure of capital structures and arrangements that interests of the Bank and shareholders are protected.
allow certain shareholders to obtain influence or control
disproportionate to their share ownership.
7.2.2 The Corporation has rules and procedures that ensure
Disclosures to prevent insider trading, one of which
is stated in the Code of Ethics & Behavior Guidelines.
229
related party transactions are approved and implemented in a The Bank also has a Policy on Affiliated Transactions
manner that ensures that conflicts of interest are appropriately and Conflict of Interest Transactions as well as Material 2024
managed and protects the interests of the Corporation and its Transactions and Changes in Business Activities.
shareholders. Performance
7.2.3 The Corporation has and discloses a policy to prevent insider Highlights
trading. The Corporation has clear rules regarding any trading
in the Corporation's shares by Directors, Commissioners,
and insiders to ensure that no person may benefit directly or
indirectly from information that is not/not yet available in the Management
market. Report
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 232
Rekomendasi Penerapan
Recommendation Implementation
7.3 Rapat Umum 7.3.1 Korporasi melakukan panggilan RUPS dengan agenda dan Diterapkan
Pemegang materi RUPS selengkap dan sedini mungkin (paling lambat Bank melakukan Panggilan RUPS paling lambat 28
Saham 28 hari sebelum RUPS) untuk memberikan waktu dan materi (dua puluh delapan) hari sebelum RUPS, dengan tidak
7.3 General Meeting yang cukup bagi pemegang saham untuk mempelajari memperhitungkan tanggal pemanggilan dan pelaksanaan
of Shareholders dengan baik agenda rapat. Undangan rapat dan seluruh RUPS serta lengkap dengan agenda dan materi RUPS di
informasi RUPS diungkapkan melalui sarana elektronik situs web Bank.
seperti melalui situs web korporasi.
7.3.2 Korporasi memiliki dan mengungkapkan aturan dan prosedur Mekanisme pengambilan keputusan/pemungutan
yang memfasilitasi pemegang saham dalam berpartisipasi suara RUPS disampaikan dalam Tata Tertib RUPS yang
dan memberikan suara secara efektif di RUPS. disampaikan di situs web Bank dan dibacakan kembali
7.3.3 Pemegang saham berpartisipasi efektif dalam menetapkan pada saat dimulainya RUPS. Pemungutan suara dilakukan
penunjukan anggota Direksi dan Dewan Komisaris. untuk masing-masing agenda RUPST (satu keputusan) dan
7.3.4 Korporasi memastikan transparansi dan akuntabilitas auditor menunjuk pihak independen Biro Administrasi Efek dan
eksternal di RUPS. Notaris. untuk melakukan perhitungan suara.
7.3.5 Penyampaian hasil pemungutan suara dan ringkasan risalah
RUPS secara lengkap diumumkan ke publik pada hari kerja Apply
berikutnya. The Bank shall issue a GMS Invitation no later than 28
7.3.1 The Corporation issues a GMS invitation with the agenda and (twenty eight) days before the GMS, excluding the date
materials of the GMS as complete and as early as possible (no of the invitation and implementation of the GMS and
later than 28 days before the GMS) to provide sufficient time complete with the agenda and materials of the GMS on
and materials for shareholders to study the meeting agenda the Bank›s website.
properly. The meeting invitation and all GMS information are
disclosed through electronic means, such as through the The mechanism for decision-making/voting at the GMS
230 7.3.2
corporation's website.
The Corporation has and discloses rules and procedures that
facilitate shareholders in participating and voting effectively at
is stated in the GMS Rules of Procedure which are stated
on the Bank›s website and read out again at the start
of the GMS. Voting is conducted for each GMS agenda
the GMS. (one decision) and appoints an independent party, the
Ikhtisar Kinerja 7.3.3 Shareholders participate effectively in determining the Securities Administration Bureau and Notary. to count the
appointment of members of the Board of Directors and Board votes.
2024 of Commissioners.
7.3.4 The Corporation ensures transparency and accountability of
external auditors at the GMS.
Laporan 7.3.5 The submission of the voting results and a complete summary
Manajemen of the minutes of the GMS are announced to the public on the
following working day.
Prinsip 8: Penghargaan terhadap Pemangku Kepentingan
Profil Principle 8: Appreciation to Stakeholders
Perusahaan
8.1 Keterlibatan 8.1.1 Korporasi melalui Sekretaris Korporasi melaksanakan Diterapkan
Pemangku komunikasi yang regular, transparan dan efektif dengan Bank telah melaksanakan komunikasi yang regular,
Analisis dan Kepentingan pemangku kepentingan kunci serta melibatkan mereka untuk transparan dan efektif dengan pemangku kepentingan
Kunci memahami harapan dan keluhan mereka serta dampak kunci. Bank juga memiliki Whistleblowing System sebagai
Pembahasan (stakeholder korporasi terhadap mereka. sarana penyampaian saran, masukan dan keluhan/
Manajemen engagement) 8.1.1 The corporation, through the Corporate Secretary, carries pengaduan yang aman dan independen.
8.1 Key Stakeholder out regular, transparent, and effective communication with
Engagement key stakeholders and involves them to understand their Apply
Tinjauan expectations and complaints and the impact of the corporation The Bank has implemented regular, transparent and
Pendukung on them. effective communication with key stakeholders. The
Bank also has a Whistleblowing System as a means of
Bisnis delivering suggestions, input and complaints safely and
independently.
TATA KELOLA 8.2 Integrasi 8.2.1 Dewan Komisaris bersama-sama dengan Direksi bertanggung Diterapkan
PERUSAHAAN Keberlanjutan jawab, akuntabel dan transparan atas governansi Direksi memastikan bahwa strategi, prioritas dan sasaran
dalam Model keberlanjutan, termasuk menetapkan strategi, prioritas, dan keberlanjutan Bank serta kinerja Bank dikomunikasikan
Bisnis target keberlanjutan korporasi. Direksi dan Dewan Komisaris kepada para pemangku kepentingan sebagaimana
8.2 Integration of memasukkan pertimbangan keberlanjutan ketika menjalankan dilaporkan dalam Laporan Tahunan ini.
Laporan Sustainability into perannya, termasuk antara lain dalam pengembangan dan
Keberlanjutan Business Models implementasi strategi korporasi, rencana bisnis, rencana aksi Apply
utama dan manajemen risiko. The Board of Directors ensures that the Bank›s
8.2.1 The Board of Commissioners, together with the Board of sustainability strategies, priorities and targets as well as the
Directors, is responsible, accountable, and transparent Bank›s performance are communicated to stakeholders as
for sustainability governance, including setting corporate reported in this Annual Report.
sustainability strategies, priorities, and targets. The Board
of Directors and the Board of Commissioners incorporate
sustainability considerations when carrying out their
roles, including, among others, in the development and
implementation of corporate strategies, business plans, key
action plans, and risk management.
8.3 Perlindungan 8.3.1 Direksi memastikan dan mengungkapkan bahwa operasi Diterapkan
terhadap korporasi mencerminkan penerapan standar etika, tanggung Bank memiliki berbagai kebijakan sebagai pedoman
Pemangku jawab sosial dan lingkungan yang tinggi di seluruh korporasi dalam menjalankan bisnis yang sesuai etika, tanggung
Kepentingan dan memastikan bahwa kebijakan dan prosedur yang tepat jawab sosial dan lingkungan serta menghormati dan
8.3 Protection of diterapkan untuk menghormati serta mematuhi hak-hak mematuhi hak-hak pemangku kepentingan. Hal ini
Stakeholders pemangku kepentingan. disampaikan secara lengkap pada Laporan Tahunan dan
8.3.2 Direksi mendorong karyawan bekerja untuk kepentingan Laporan Keberlanjutan Bank.
jangka panjang korporasi dan mengedepankan
keberlanjutan. Apply
8.3.1 The Board of Directors ensures and discloses that The Bank has various policies as guidelines in conducting
the corporation's operations reflect the application of business in accordance with ethics, social and
high standards of ethics and social and environmental environmental responsibility and respecting and complying
responsibility throughout the corporation and ensures that with stakeholder rights. This is conveyed in full in the
appropriate policies and procedures are implemented to Bank›s Annual Report and Sustainability Report.
respect and comply with stakeholder rights.
8.3.2 The Board of Directors encourages employees to work for
the long-term interests of the corporation and prioritizes
sustainability.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 233
Sosialisasi Tata Kelola Socialization of Governance
Dalam rangka meningkatkan budaya penerapan GCG In order to improve the culture of GCG implementation in
di lingkungan Bank Sinarmas, manajemen melakukan Bank Sinarmas, management conducts periodic socialization
sosialisasi secara berkala terkait dengan prinsip-prinsip related to GCG principles, compliance, and other relevant
GCG, kepatuhan, dan lain-lain yang relevan. Uraian matters. The implementation description is presented in the
pelaksanaannya disampaikan dalam tabel di bawah ini. table below.
Kegiatan Sosial Jumlah Sosialisasi
Social Activities Number of Socialization
Compliance Info (Co.In) 17
Regulation Update 42
Campaign Anti Penyuapan | Anti-Bribery Campaign 12
1. Compliance Info 1. Compliance Info
Kampanye kepatuhan melalui media komunikasi
Compliance Info (Co.In) dilakukan dengan tujuan untuk
The compliance campaign through the Compliance
Info (Co.In) communication media is carried out with
231
menyajikan sosialisasi dan refreshment ketentuan the aim of presenting socialization and refreshment
2024
Otoritas Jasa Keuangan, Bank Indonesia, Pusat of the provisions of the Financial Services Authority, Performance
Pelaporan dan Analisis Transaksi Keuangan, dan Bank Indonesia, the Financial Transaction Reports and Highlights
peraturan perundang-undangan. Materi kampanye Analysis Center, and laws and regulations. The campaign
disajikan secara menarik melalui infografis, sehingga material is presented in an attractive manner through Management
mudah dipahami oleh seluruh karyawan. Materi tersebut infographics, ensuring that it is easy to understand by all Report
disampaikan melalui email. employees. The material is delivered via email.
Company
Pada tahun 2024, 17 (tujuh belas) Compliance Info (Co. In 2024, 17 (seventeen) Compliance Info (Co.In) have Profile
In) telah disosialisasikan kepada karyawan Bank, dengan been socialized to Bank employees, with the following
uraian sebagai berikut. description.
Management
Discussion and
Tanggal Terbit Perihal Compliance Info Analysis
No.
Date of Issuance Subject of Compliance Info
1. 05 Maret 2024 Compliance Info: Komite dalam Bank Umum Business
March 5, 2024 Compliance Info: Committees in Commercial Banks Support
2. 01 April 2024 Compliance Info: Pelaporan TKT (Transaksi Keuangan Tunai) Secara Manual di Cabang Overview
April 1, 2024 Compliance Info: Manual Reporting of TKT (Cash Financial Transactions) at Branches
3. 24 Juni 2024 Compliance Info: Pemberitahuan PIC Pelaporan TKT Secara Manual Divisi APU PPT & PPPSPM
June 24, 2024 Compliance Info: PIC Notification of Manual TKT Reporting of APU PPT & PPPSPM Division
CORPORATE
GOVERNANCE
4. 24 Juni 2024 Compliance Info: Kewajiban Identifikasi Beneficial Owner
June 24, 2024 Compliance Info: Beneficial Owner Identification Obligations
5. 08 Juli 2024 Compliance Info : Penerapan Prinsip Tata Kelola yang Baik pada Bank Sustainability
July 8, 2024 Compliance Info: Implementation of Good Governance Principles in Banks Report
6. Compliance Info : Klausula Pernyataan Bank Bahwa “Bank Berizin dan Diawasi” Sesuai Ketentuan Regulator
30 Juli 2024
Compliance Info: Bank Statement Clause That “Bank is Licensed and Supervised” According to Regulatory
July 30, 2024
Provisions
7. 05 September 2024 Compliance Info : Kewajiban Bank Sinarmas Dalam Melakukan Transaksi Valuta Asing
September 5, 2024 Compliance Info: Bank Sinarmas' Obligations in Conducting Foreign Exchange Transactions
8. 09 September 2024 Compliance info : Konglomerasi Keuangan Sinar Mas
September 9, 2024 Compliance info : Sinar Mas Financial Conglomerate
9. 10 September 2024
Compliance Info : Business Email Compromise (BEC)
September 10, 2024
10. 13 September 2024 Compliance Info : Screening Watchlist pada Front End System (Pega CS)
September 13, 2024 Compliance Info : Screening Watchlist on Front End System (Pega CS)
11. Compliance Info : Rekening Khusus Dana Kampanye Pemilihan Gubernur dan Wakil Gubernur, Bupati dan Wakil
24 September 2024 Bupati, serta Walikota dan Wakil Walikota
September 24, 2024 Compliance Info: Special Account for Campaign Funds for the Election of Governor and Deputy Governor, Regent
and Deputy Regent, and Mayor and Deputy Mayor
12. Compliance Info : Tingkat Bunga Penjaminan Lembaga Penjamin Simpanan (LPS) Periode 1 Oktober 2024 - 31
03 Oktober 2024 Desember 2024
October 3, 2024 Compliance Info: Deposit Insurance Corporation (LPS) Guaranteed Interest Rate for the Period October 1, 2024 -
December 31, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 234
Tanggal Terbit Perihal Compliance Info
No.
Date of Issuance Subject of Compliance Info
13. Compliance Info : Pemberitahuan Pergantian PIC Pelaporan TKT (Transaksi Keuangan Tunai) Secara Manual Divisi
25 Oktober 2024 APU PPT & PPPSPM
October 25, 2024 Compliance Info: Notification of Change of PIC for Manual Reporting of TKT (Cash Financial Transactions) in the
APU PPT & PPPSPM Division
14. 04 November 2024 Compliance Info : Negara High Risk dan Sanction Country
November 4, 2024 Compliance Info: High Risk Countries and Sanction Countries
15. 05 November 2024 Compliance Info : Perubahan Formulir Pemilik Manfaat (Beneficial Owner/BO)
November 5, 2024 Compliance Info: Changes to the Beneficial Owner (BO) Form
16. 21 November 2024 Compliance Info : Informasi Perpanjangan Relaksasi Kebijakan Kartu Kredit Tahun 2024 dari Bank Indonesia
November 21, 2024 Compliance Info: Information on the Extension of Credit Card Policy Relaxation in 2024 from Bank Indonesia
17. 28 November 2024
Compliance Info : Indonesia Anti Scam Centre (IASC)
November 28, 2024
2. Regulation Update 2. Regulation Update
232 Satuan Kerja Kepatuhan juga melakukan sosialisasi
peraturan baru dari regulator disertai kajian dampak
The Compliance Work Unit also disseminates new
regulations from regulators along with impact studies
Ikhtisar Kinerja
dan tindak lanjut atas peraturan tersebut melalui and follow-ups on these regulations via Email Regulation
2024 Email Regulation Update. Email Regulation Update Update. Email Regulation Update is delivered to
disampaikan kepada Unit Kerja terkait, Direksi, Dewan related Work Units, the Board of Directors, the Board of
Laporan Komisaris, Pejabat Eksekutif, Pimpinan Karyawan serta Commissioners, Executive Officers, Employee Leaders,
Manajemen karyawan unit-unit kerja terkait. and employees of related work units.
Profil Pada tahun 2024, Satuan Kerja Kepatuhan telah In 2024, the Compliance Work Unit has created and
Perusahaan
membuat dan melakukan sosialisasi 42 (empat puluh disseminated 42 (forty-two) Regulation Updates with the
dua) Regulation Update, dengan uraian sebagai berikut. following descriptions.
Analisis dan
Pembahasan
Manajemen Perihal Ketentuan Bank Indonesia
No.
Subject of Bank Indonesia Provisions
Tinjauan 1. Peraturan Bank Indonesia No. 15 Tahun 2023 tentang Perubahan Ketiga atas Peraturan Bank Indonesia No. 22/14/PBI/2020 tentang Operasi
Pendukung Moneter
Bisnis Bank Indonesia Regulation Number 15 of 2023 concerning the Third Amendment to Bank Indonesia Regulation Number 22/14/PBI/2020
concerning Monetary Operations
TATA KELOLA 2. Peraturan Bank Indonesia No. 1 Tahun 2024 tentang Jumlah dan Nilai Nominal Uang Rupiah yang Dimusnahkan Tahun 2023
PERUSAHAAN Bank Indonesia Regulation No. 1 of 2024 concerning the Amount and Nominal Value of Rupiah Currency Destroyed in 2023
3. Peraturan Bank Indonesia No. 3 Tahun 2024 tentang Lembaga Alternatif Penyelesaian Sengketa
Laporan Bank Indonesia Regulation No. 3 of 2024 concerning Alternative Dispute Resolution Institutions
Keberlanjutan 4. Peraturan Bank Indonesia No. 5 Tahun 2024 tentang Standarisasi Kompetensi di Bidang Sistem Pembayaran
Bank Indonesia Regulation No. 5 of 2024 concerning Competency Standardization in the Payment System Field
5. Peraturan Bank Indonesia No. 6 Tahun 2024 tentang Pasar Uang dan Pasar Valuta Asing
Bank Indonesia Regulation No. 6 of 2024 concerning Money Market and Foreign Exchange Market
6. Peraturan Anggota Dewan Gubernur No. 19 Tahun 2023 tentang Perubahan Kelima atas Peraturan Anggota Dewan Gubernur No. 21/25/
APDG/2019 tentang Rasio Loan To Value untuk Kredit Properti, Rasio Financing To Value untuk Pembiayaan Properti, dan Uang Muka untuk
Kredit Atau Pembiayaan Kendaraan Bermotor
Board of Governors Member Regulation No. 19 of 2023 concerning the Fifth Amendment to Board of Governors Member Regulation No.
21/25/APDG/2019 concerning Loan-to-Value Ratio for Property Credit, Financing-to-Value Ratio for Property Financing, and Down Payment for
Motor Vehicle Credit or Financing
7. Peraturan Anggota Dewan Gubernur No. 20 Tahun 2023 tentang Tata Cara Pelaksanaan Pelindungan Konsumen Bank Indonesia
Board of Governors Member Regulation No. 20 of 2023 concerning Procedures for Implementing Bank Indonesia Consumer Protection
8. Peraturan Anggota Dewan Gubernur No. 21 Tahun 2023 tentang Peraturan Pelaksanaan Pinjaman Likuiditas Jangka Panjang Bagi Bank
Umum Konvensional
Regulation of the Member of the Board of Governors No. 21 of 2023 concerning the Implementation Regulation of Long-Term Liquidity Loans
for Conventional Commercial Banks
9. Peraturan Anggota Dewan Gubernur No. 22 Tahun 2023 tentang Perubahan atas Peraturan Anggota Dewan Gubernur No. 22/26/
PADG/2020 tentang Kepesertaan Operasi Moneter
Board of Governors Member Regulation No. 22 of 2023 concerning Amendments to Board of Governors Member Regulation No. 22/26/
PADG/2020 concerning Participation in Monetary Operations
10. Peraturan Anggota Dewan Gubernur No. 2 Tahun 2024 tentang Dealer Utama
Board of Governors Member Regulation No. 2 of 2024 concerning Primary Dealers
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 235
Perihal Ketentuan Bank Indonesia
No.
Subject of Bank Indonesia Provisions
11 Peraturan Anggota Dewan Gubernur No. 4 Tahun 2024 tentang Perubahan atas Peraturan Anggota Dewan Gubernur No. 11 Tahun 2023
tentang Peraturan Pelaksanaan Kebijakan Insentif Likuiditas Makroprudensial
Board of Governors Member Regulation No. 4 of 2024 concerning Amendments to Board of Governors Member Regulation No. 11 of 2023
concerning Implementation Regulations for Macroprudential Liquidity Incentive Policies
12. Peraturan Anggota Dewan Gubernur No. 5 Tahun 2024 tentang Perubahan atas Peraturan Anggota Dewan Gubernur No. 21/12/PADG/2019
tentang Penyelenggaraan Transfer Dana dan Kliring Berjadwal oleh Bank Indonesia
Board of Governors Member Regulation No. 5 of 2024 concerning Amendments to Board of Governors Member Regulation No. 21/12/
PADG/2019 concerning Implementation of Scheduled Fund Transfers and Clearing by Bank Indonesia
13. Peraturan Anggota Dewan Gubernur No. 6 Tahun 2024 tentang Perubahan atas Peraturan Anggota Dewan Gubernur No. 4 Tahun 2023
tentang Devisa Hasil Ekspor dan Devisa Pembayaran Impor
Board of Governors Member Regulation No. 6 of 2024 concerning Amendments to Board of Governors Member Regulation No. 4 of 2023
concerning Export Proceeds and Import Payments
14. Peraturan Anggota Dewan Gubernur No. 7 Tahun 2024 tentang Peraturan Pelaksanaan Rasio Pendanaan Luar Negeri Bank
Board of Governors Member Regulation No. 7 of 2024 concerning Implementation Regulations for Bank Foreign Funding Ratios
15. Peraturan Anggota Dewan Gubernur No. 8 Tahun 2024 tentang Perubahan Keenam atas Peraturan Anggota Dewan Gubernur No. 20/15/
PADG/2018 tentang Penyelenggaran Setelmen Dana Seketika Melalui Sistem Bank Indonesia Real Time Gross Settlement
Board of Governors Member Regulation No. 8 of 2024 concerning the Sixth Amendment to Board of Governors Member Regulation No.
20/15/PADG/2018 concerning Implementation of Fund Settlement Instantly Through Bank Indonesia Real Time Gross Settlement System 233
16. Peraturan Anggota Dewan Gubernur No. 10 Tahun 2024 tentang Penyelesaian Transaksi Bilateral antara Indonesia dan Korea Selatan
Menggunakan Rupiah dan Won
Board of Governors Member Regulation No. 10 of 2024 concerning Settlement of Bilateral Transactions between Indonesia and South Korea 2024
Using Rupiah and Won Performance
Highlights
17. Peraturan Anggota Dewan Gubernur No. 11 Tahun 2024 tentang Transaksi Pasar Valuta Asing
Board of Governors Member Regulation No. 11 of 2024 concerning Foreign Exchange Market Transactions
18. Peraturan Anggota Dewan Gubernur No. 12 Tahun 2024 tentang Peraturan Pelaksanaan Perizinan Terpadu Bank Indonesia Melalui Front Management
Office Perizinan Report
Board of Governors Member Regulation No. 12 of 2024 concerning Implementation Regulation of Bank Indonesia's Integrated Licensing
Through the Licensing Front Office
19. Peraturan Anggota Dewan Gubernur No. 13 Tahun 2024 tentang Transaksi Pasar Uang Company
Board of Governors Member Regulation No. 13 of 2024 concerning Money Market Transactions Profile
20. Peraturan Anggota Dewan Gubernur No. 14 Tahun 2024 tentang Perubahan Kedua atas Peraturan Anggota Dewan Gubernur No. 22/20/
PADG/2020 tentang Penyelesaian Transaksi Bilateral Indonesia dan Jepang Menggunakan Rupiah dan Yen Melalui Bank Management
Board of Governors Member Regulation No. 14 of 2024 concerning the Second Amendment to Board of Governors Member Regulation No.
Discussion and
22/20/PADG/2020 concerning Settlement of Bilateral Transactions between Indonesia and Japan Using Rupiah and Yen Through Banks
Analysis
21. Peraturan Anggota Dewan Gubernur No. 15 Tahun 2024 tentang Perubahan atas Peraturan Anggota Dewan Gubernur No. 23/16/PADG/2021
tentang Penyelesaian Transaksi Bilateral Antara Indonesia dan Tiongkok Menggunakan Rupiah dan Yuan Melalui Bank
Board of Governors Member Regulation No. 15 of 2024 concerning Amendments to Board of Governors Member Regulation No. 23/16/ Business
PADG/2021 concerning Settlement of Bilateral Transactions Between Indonesia and China Using Rupiah and Yuan Through Banks Support
22. Peraturan Anggota Dewan Gubernur No. 19 Tahun 2024 tentang Perubahan Keenam atas Peraturan Anggota Dewan Gubernur No. 21/25/ Overview
PADG/2019 tentang Rasio Loan to Value untuk Kredit Properti, Rasio Financing to Value untuk Pembiayaan Properti, dan Uang Muka untuk
Kredit atau Pembiayaan Kendaraan Bermotor
Board of Governors Member Regulation No. 19 of 2024 concerning the Sixth Amendment to Board of Governors Member Regulation No. CORPORATE
21/25/PADG/2019 concerning the Loan-to-Value Ratio for Property Credit, Financing-to-Value Ratio for Property Financing, and Down Payment GOVERNANCE
for Motor Vehicle Credit or Financing
Sustainability
Perihal Ketentuan Otoritas Jasa Keuangan
Report
No.
Subject of Financial Services Authority Provisions
1. Peraturan Otoritas Jasa Keuangan No. 18 Tahun 2023 tentang Penerbitan dan Persyaratan Efek Bersifat Utang dan Sukuk Berlandaskan
Keberlanjutan
Financial Services Authority Regulation No. 18 of 2023 concerning the Issuance and Requirements of Debt Securities and Sukuk Based on
Sustainability
2. Peraturan Otoritas Jasa Keuangan No. 20 Tahun 2023 tentang Produk Asuransi yang Dikaitkan dengan Kredit atau Pembiayaan Syariah dan
Produk Suretyship atau Suretyship Syariah
Financial Services Authority Regulation No. 20 of 2023 concerning Insurance Products Linked to Sharia Credit or Financing and Suretyship
Products or Sharia Suretyship
3. Peraturan Otoritas Jasa Keuangan No. 21 Tahun 2023 tentang Layanan Digital oleh Bank Umum
Financial Services Authority Regulation No. 21 of 2023 concerning Digital Services by Commercial Banks
4. Peraturan Otoritas Jasa Keuangan No. 22 Tahun 2023 tentang Pelindungan Konsumen Dan Masyarakat Pada Sektor Jasa Keuangan
Financial Services Authority Regulation No. 22 of 2023 concerning Consumer and Community Protection in the Financial Services Sector
5. Peraturan Otoritas Jasa Keuangan No. 29 Tahun 2023 tentang Pembelian Kembali Saham yang Dikeluarkan oleh Perusahaan Terbuka
Financial Services Authority Regulation No. 29 of 2023 concerning Buyback of Shares Issued by Public Companies
6. Peraturan Otoritas Jasa Keuangan No. 4 Tahun 2024 tentang Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan
Terbuka dan Laporan Aktivitas Menjaminkan Saham Perusahaan Terbuka
Financial Services Authority Regulation No. 4 of 2024 concerning Reports on Ownership or Any Changes in Ownership of Shares of Public
Companies and Reports on Activities of Pledge of Shares of Public Companies
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 236
Perihal Ketentuan Otoritas Jasa Keuangan
No.
Subject of Financial Services Authority Provisions
7. Peraturan Otoritas Jasa Keuangan No. 5 Tahun 2024 tentang Penetapan Status Pengawasan dan Penanganan Permasalahan Bank Umum
Financial Services Authority Regulation No. 5 of 2024 concerning Determination of Supervisory Status and Handling of Problems of
Commercial Banks
8. Peraturan Otoritas Jasa Keuangan No. 11 Tahun 2024 tentang Perubahan Kedua atas Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2017
tentang Pelaporan dan Permintaan Informasi Debitur Melalui Sistem Layanan Informasi Keuangan
Financial Services Authority Regulation No. 11 of 2024 concerning the Second Amendment to Financial Services Authority Regulation No. 18/
POJK.03/2017 concerning Reporting and Requesting Debtor Information Through the Financial Information Service System
9. Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2024 tentang Penetapan Strategi Anti Fraud Bagi Lembaga Jasa Keuangan
Financial Services Authority Regulation No. 12 of 2024 concerning Determination of Anti-Fraud Strategy for Financial Services Institutions
10. Peraturan Otoritas Jasa Keuangan No. 13 Tahun 2024 tentang Transparansi dan Publikasi Suku Bunga Kredit Bank Umum Konvensional
Financial Services Authority Regulation No. 13 of 2024 concerning Transparency and Publication of Conventional Commercial Bank Credit
Interest Rates
11. Surat Edaran Otoritas Jasa Keuangan No. 24/SEOJK.03/2023 tentang Penilaian Tingkat Maturitas Digital Bank Umum
Financial Services Authority Circular Letter No. 24/SEOJK.03/2023 concerning Assessment of Digital Maturity Level of Commercial Banks
12. Surat Edaran Otoritas Jasa Keuangan No. 29/SEOJK.03/2022 tentang Ketahanan dan Keamanan Siber bagi Bank Umum
Financial Services Authority Circular Letter No. 29/SEOJK.03/2022 concerning Cyber Resilience and Security for Commercial Banks
234 13. Surat Edaran Otoritas Jasa Keuangan No. 9/SEOJK.05/2024 tentang Penilaian Kualitas atas Tagihan Subrogasi, Kegiatan Penjaminan, dan
Suretyship
Financial Services Authority Circular Letter No. 9/SEOJK.05/2024 concerning Quality Assessment of Subrogation Claims, Guarantee
Ikhtisar Kinerja Activities, and Suretyship
2024
Laporan Perihal Ketentuan Peraturan Perundang-Undang Lainnya
Manajemen No.
Subject of Other Provisions of Laws and Regulations
1. Undang - Undang No. 1 Tahun 2024 tentang Perubahan Kedua UU No. 1 Tahun 2008 tentang Informasi dan Transaksi Elektronik
Profil Law No. 1 of 2024 concerning the Second Amendment to Law No. 1 of 2008 concerning Electronic Information and Transactions
Perusahaan
2. Keputusan Menteri Keuangan Republik Indonesia No. 188 Tahun 2024 tentang Penyelesaian Kewajiban Pembayaran Atas Pelaksanaan
Tambahan Subsidi Bunga/Subsidi Marjin Kredit Usaha Rakyat.
Analisis dan Decree of the Minister of Finance of the Republic of Indonesia No. 188 of 2024 concerning Settlement of Payment Obligations for the
Pembahasan Implementation of Additional Interest Subsidies/Margin Subsidies for People's Business Credit.
Manajemen 3. Peraturan Pemerintah No. 22 Tahun 2024 tentang Perlakuan Pajak Penghasilan atas Penghasilan dari Penempatan Devisa Hasil Ekspor Sumber
Daya Alam pada Instrumen Moneter dan/atau Instrumen Keuangan Tertentu di Indonesia
Government Regulation No. 22 of 2024 concerning Income Tax Treatment on Income from Placement of Foreign Exchange Proceeds from
Tinjauan
Exports of Natural Resources in Certain Monetary Instruments and/or Financial Instruments in Indonesia
Pendukung
Bisnis 4. Peraturan Menteri Koordinator Bidang Perekonomian No. 7 Tahun 2024 tentang Perubahan Kedua atas Peraturan Menteri Koordinator Bidang
Perekonomian No. 1 Tahun 2022 tentang Pedoman Pelaksanaan Kredit Usaha Rakyat
Regulation of the Coordinating Minister for Economic Affairs No. 7 of 2024 concerning the Second Amendment to Regulation of the Coordinating
TATA KELOLA Minister for Economic Affairs No. 1 of 2022 concerning Guidelines for the Implementation of People's Business Credit
PERUSAHAAN
5. Peraturan Menteri Keuangan Nomor 47 Tahun 2024 tentang Perubahan Ketiga atas Peraturan Menteri Keuangan Nomor 70/PMK.03/2017
tentang Petunjuk Teknis Mengenai Akses Informasi Keuangan untuk Kepentingan Bersama
Laporan Minister of Finance Regulation No. 47 of 2024 on the Third Amendment to Minister of Finance Regulation No. 70/PMK.03/2017 on Technical
Keberlanjutan Guidelines Regarding Access to Financial Information for Mutual Interest
6. Peraturan Lembaga Jasa Simpanan No. 1 Tahun 2024 tentang Premi Program Restrukturisasi Perbankan
Regulation of the Deposit Service Institution No. 1 of 2024 concerning Premiums for the Banking Restructuring Program
7. Keputusan Menteri Keuangan Republik Indonesia No. 338 Tahun 2024 tentang Perubahan atas Keputusan Menteri Keuangan Republik
Indonesia No. 317 Tahun 2024 tentang Besaran Subsidi Bunga/Subsidi Marjin Kredit Usaha Rakyat
Decree of the Minister of Finance of the Republic of Indonesia No. 338 of 2024 concerning Amendments to Decree of the Minister of Finance
of the Republic of Indonesia No. 317 of 2024 concerning the Amount of Interest Subsidies/Margin Subsidies for People's Business Credit
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 237
3. Campaign Anti Penyuapan 3. Anti-Bribery Campaign
Bank juga membuat kampanye kepatuhan lain melalui The Bank also created another compliance campaign via
email serta media online lainnya, yaitu kampanye Anti email and other online media, namely the Anti-Bribery
Penyuapan, kepada seluruh karyawan sebagai wujud campaign, for all employees as a form of preventing
pencegahan tindakan penyuapan maupun gratifikasi di bribery and gratification within the Bank’s environment.
dalam lingkungan Bank.
Selama tahun 2024, Bank melaksanakan 12 (dua belas) In 2024, the Bank implemented 12 (twelve) Anti-Bribery
Campaign Anti Penyuapan, dengan rincian sebagai Campaigns, with the following details.
berikut.
Tanggal Terbit Campaign Anti Penyuapan
No.
Date of Issuance Anti-Bribery Campaign
1. 01 Februari 2024 [UAP] Kebijakan Pemberian/Penerimaan Hadiah
February 1, 2024 [UAP] Gift Giving/Receiving Policy
2. 06 Februari 2024
February 6, 2024
[UAP] Tata Tertib Berpolitik di Lingkungan Perusahaan
[UAP] Procedures for Engaging in Politics within the Company Environment 235
3. 01 April 2024 [UAP] Jauhi Gratifikasi dalam Menyambut Hari Raya Idulfitri 1445 H
April 1, 2024 [UAP] Avoid Gratification in Welcoming Eid al-Fitr 1445 H 2024
4. 29 April 2024 [UAP] Perbedaan Gratifikasi dengan Hadiah Performance
April 29, 2024 [UAP] Difference between Gratification and Gift Highlights
5. 30 Mei 2024 [UAP] Praktik Penerapan Gratifikasi
May 30, 2024 [UAP] Practice of Gratification Implementation Management
6. 19 Juni 2024 [UAP] Tolak Gratifikasi dengan PROVE IT Report
June 19, 2024 [UAP] Reject Gratification with PROVE IT
7. 07 Agustus 2024 [UAP] Memberi Pelayanan Sepenuh Hati
Company
August 7, 2024 [UAP] Providing Wholehearted Service
Profile
8. 27 Agustus 2024 [UAP] Hati-Hati! Gratifikasi Akar dari Korupsi
August 27, 2024 [UAP] Beware! Gratification is the Root of Corruption
9. 17 September 2024 [UAP] Hindari “5 LOVE LANGUAGES” yang Berujung Gratifikasi Management
September 17, 2024 [UAP] Avoid “5 LOVE LANGUAGES” that Lead to Gratification Discussion and
Analysis
10. 15 Oktober 2024 [UAP] Perbedaan Gratifikasi, Pemerasan, dan Suap
October 15, 2024 [UAP] Differences between Gratification, Extortion and Bribery
11. 19 November 2024 [UAP] Jangan Takut Laporkan Gratifikasi! Business
November 19, 2024 [UAP] Don't Be Afraid to Report Gratification! Support
Overview
12. 20 Desember 2024 [UAP] Sambut Natal & Tahun Baru Tanpa Gratifikasi
December 20, 2024 [UAP] Welcome Christmas & New Year Without Gratification
CORPORATE
GOVERNANCE
Sustainability
Report
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) is a means for
sarana bagi Pemegang Saham untuk menggunakan hak Shareholders to exercise their rights in making joint decisions
yang dimilikinya dalam mengambil keputusan bersama regarding the Bank. For the Board of Commissioners and
mengenai Bank. Bagi Dewan Komisaris dan Direksi, RUPS Board of Directors, the GMS serves as a forum to submit
berfungsi sebagai forum untuk menyampaikan laporan accountability reports on the implementation of duties and
pertanggungjawaban atas pelaksanaan tugas serta hasil the Bank's performance results to Shareholders.
kinerja Bank kepada Pemegang Saham.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 238
Landasan Hukum Pelaksanaan RUPS Legal Basis for the Implementation of the GMS
Penyelenggaraan RUPS di Bank Sinarmas mengacu pada: The implementation of the GMS at Bank Sinarmas refers to:
1. Anggaran Dasar; 1. Articles of Association;
2. Peraturan Otoritas Jasa Keuangan No. 15/POJK.04/2020 2. Financial Services Authority Regulation No. 15/
tentang Rencana dan Penyelenggaraan Rapat Umum POJK.04/2020 concerning the Plan and Implementation
Pemegang Saham Perusahaan Terbuka; of General Meetings of Shareholders of Public Companies;
3. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 3. Law No. 40 of 2007 concerning Limited Liability
Terbatas; dan Companies; and
4. POJK No. 16/POJK.04/2020 tentang Pelaksanaan Rapat 4. POJK No. 16/POJK.04/2020 concerning the
Umum Pemegang Saham Perusahaan Terbuka secara Implementation of the General Meeting of Shareholders
Elektronik of Public Companies Electronically.
Mekanisme Pemungutan dan Penghitungan Suara Voting and Counting Mechanism
RUPS tahun 2024 dipimpin oleh Komisaris Utama yang The 2024 GMS is led by a member of the President
ditunjuk oleh Dewan Komisaris berdasarkan keputusan Commissioners appointed by the Board of Commissioners
236 Dewan Komisaris (berdasarkan Pasal 10 ayat (12) Anggaran
Dasar Bank). Acara RUPS dimulai dengan pembacaan Tata
based on a decision of the Board of Commissioners
(based on Article 10, paragraph (12) of the Bank's Articles of
Ikhtisar Kinerja
Tertib RUPS dan menjadi bagian dalam Berita Acara RUPS. Association). The GMS event begins with the reading of the
2024 GMS Procedure and becomes part of the GMS Minutes.
Laporan Setelah semua pertanyaan ditanggapi, dilakukan After all questions have been answered, voting is carried out
Manajemen pemungutan suara dengan mengisi surat suara yang telah by filling in the ballots that have been distributed before the
dibagikan sebelum RUPS dimulai. Pemegang Saham atau GMS begins. Shareholders or their authorized proxies have
Profil kuasanya yang sah memiliki hak untuk memberikan suara the right to vote in decision-making. The notary will count the
Perusahaan
dalam pengambilan keputusan. Notaris akan menghitung number of dissenting or blank votes, and the results of the
jumlah suara tidak setuju atau blanko, dan hasil penghitungan calculation will be submitted to the meeting chair.
Analisis dan
Pembahasan tersebut akan disampaikan kepada pimpinan rapat
Manajemen
Perlakuan Adil terhadap Pemegang Saham Fair Treatment of Shareholders
Tinjauan Pemegang Saham memiliki hak untuk berpartisipasi dalam Shareholders have the right to participate in decision-making
Pendukung
Bisnis
pengambilan keputusan-keputusan terkait: related to:
1. Perubahan Anggaran Dasar dan perubahan-perubahan 1. Amendments to the Articles of Association and other
TATA KELOLA mendasar lainnya mengenai Bank; fundamental changes regarding the Bank;
PERUSAHAAN 2. Hak untuk berpartisipasi secara efektif dan menggunakan 2. The right to participate effectively and use their votes in
suara dalam RUPS; serta the GMS; and
Laporan 3. Hak untuk mendapatkan informasi mengenai RUPS 3. The right to obtain information regarding the GMS,
Keberlanjutan termasuk mata acara/agenda, aturan, dan prosedur including the agenda, rules, and procedures for voting.
dalam pengambilan suara.
Bank Sinarmas melindungi dan memfasilitasi pelaksanaan Bank Sinarmas protects and facilitates the implementation
hak-hak dasar Pemegang Saham, tanpa membedakan of the basic rights of Shareholders, without distinguishing
kepemilikan berdasarkan kelas saham, seperti: ownership based on share class, such as:
1. Menghadiri dan memberikan 1 suara dalam RUPS; 1. Attending and casting 1 vote in the GMS;
2. Mendapatkan informasi yang relevan dan material 2. Obtaining relevant and material information in a timely
secara tepat waktu; manner;
3. Dapat memberikan kuasa kepada pihak lain apabila 3. Being able to grant power of attorney to another party if
Pemegang Saham berhalangan hadir dalam RUPS; the Shareholder is unable to attend the GMS;
4. Memperoleh materi RUPS sebelum RUPS dilaksanakan; 4. Obtain GMS materials before the GMS is held;
5. Dapat memberikan suara setuju, tidak setuju atau abstain 5. Can vote in favor, disfavor, or abstain on every proposed
pada setiap usulan putusan agenda RUPS; dan decision on the GMS agenda; and
6. Mendapat perlakuan yang sama dan setara dari Bank 6. Receive the same and equal treatment from Bank
Sinarmas. Sinarmas.
Akses Informasi Pemegang Saham Shareholder Information Access
Pemegang Saham dapat memperoleh informasi terkait Shareholders can obtain information related to Bank
Bank Sinarmas melalui berbagai media komunikasi, antara Sinarmas through various communication media, including
lain RUPS, paparan publik, media sosial, publikasi Laporan GMS, public exposure, social media, publication of Quarterly
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 239
Keuangan Per Kuartal, Laporan Tahunan, situs web (www. Financial Statements, Annual Reports, website (www.
banksinarmas. com) serta akses email kepada Corporate banksinarmas.com) and email access to the Corporate
Secretary (corporate.secretary@banksinarmas.com). Secretary (corporate.secretary@banksinarmas.com).
Pelaksanaan RUPS 2024 Implementation of 2024 GMS
Pada tahun 2024, Bank telah melaksanakan RUPS Tahunan
pada tanggal 16 Mei 2024, dan RUPS Luar Biasa pada
tanggal 28 Oktober 2024 dengan rincian sebagai berikut.
RUPS Tahunan
Annual GMS
Tanggal dan Waktu Kamis, 16 Mei 2024
Date and Time 10.40 WIB – 11.16 WIB
Thursday, May 16, 2024
10.40 WIB – 11.16 WIB
Tempat Ruang Danamas, Sinar Mas Land Plaza Tower II Lantai 39
Place Jalan MH Thamrin No. 51
Jakarta Pusat 10350 237
Danamas Room, Sinar Mas Land Plaza Tower II, 39th Floor
Jalan MH Thamrin No. 51
Jakarta Pusat, 10350 2024
Performance
Pimpinan RUPS Tahunan Tjendrawati Widjaja selaku Komisaris Utama Highlights
Chairman of the Annual General Meeting Tjendrawati Widjaja as the President Commissioner
of Shareholders
Kehadiran Dewan Komisaris | Board of Commissioners Management
Attendance Tjendrawati Widjaja: Komisaris Utama | President Commissioner Report
Sammy Kristamuljana: Komisaris Independen | Independent Commissioner
Rusmin: Komisaris Independen | Independent Commissioner
Direksi | Board of Directors Company
Frenky Tirtowijoyo: Direktur Utama | President Director Profile
Miko Andidjaja: Direktur | Director
Enny Kamal: Direktur | Director
Sendy: Direktur | Director Management
Pemegang Saham | Shareholders Discussion and
15.656.126.639 saham (79,4076%) dari seluruh saham yang telah ditempatkan dan disetor penuh Analysis
hingga saat Rapat yaitu sebanyak 19.716.162.403 saham
15,656,126,639 shares (79.4076%) of all shares that have been placed and fully paid up to the time of
the Meeting, namely 19,716,162,403 shares Business
Support
Pihak Independen Dalam Penghitungan Suara | Independent Parties in Vote Counting
Overview
Aulia Taufani, SH, selaku Notaris dan PT Sinartama Gunita selaku Biro Administrasi Efek.
Aulia Taufani, SH, as Notary and PT Sinartama Gunita as Securities Administration Bureau.
CORPORATE
Tahapan RUPS Tahunan GOVERNANCE
Stages of the Annual General Meeting of Shareholders
Uraian Kegiatan Pelaksanaan Ketentuan Sustainability
Description of Activities Implementation Provisions Report
Pemberitahuan RUPS Pemberitahuan kepada Otoritas Jasa Keuangan tentang rencana Perusahaan Terbuka wajib terlebih dahulu
Tahunan kepada Regulator dan mata acara Rapat pada tanggal 26 Maret 2024 dengan Surat menyampaikan pemberitahuan mata acara
Notification of Annual General SKL.060/2024/PRESDIR perihal Pemberitahuan Rencana Rapat rapat kepada Otoritas Jasa Keuangan paling
Meeting of Shareholders to Umum Pemegang Saham Tahunan (“RUPS Tahunan”) PT. Bank lambat 5 hari kerja sebelum pengumuman
Regulators Sinarmas Tbk. (“Bank”). RUPS, dengan tidak memperhitungkan
Notification to the Financial Services Authority regarding the plan and tanggal pengumuman RUPS.
agenda of the Meeting on March 26, 2024, with Letter SKL.060/2024/ Public Companies are required to first
PRESDIR regarding Notification of the Plan for the Annual General submit notification of the meeting agenda to
Meeting of Shareholders (“AGMS”) of PT. Bank Sinarmas Tbk. (“Bank”). the Financial Services Authority no later than
5 working days before the announcement
of the GMS, without taking into account the
GMS announcement date.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 240
Uraian Kegiatan Pelaksanaan Ketentuan
Description of Activities Implementation Provisions
Pengumuman RUPS Tahunan • Diumumkan melalui surat kabar Investor Daily Indonesia pada Perusahaan Terbuka wajib melakukan
Announcement of Annual tanggal 4 April 2024; pengumuman RUPS kepada Pemegang
General Meeting of • Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy Saham paling lambat 14 hari sebelum
Shareholders dan e-reporting melalui Sistem Pelaporan Elektronik Otoritas Jasa pemanggilan RUPS, dengan tidak
Keuangan(SPE OJK)) dan Bursa Efek Indonesia (e-reporting melalui memperhitungkan tanggal pengumuman
IDXNet) pada tanggal 4 April 2024; dan tanggal pemanggilan.
• Diunggah pada situs web Bank (www. banksinarmas.com) di hari Public Companies are required to announce
yang sama; dan Diunggah pada situs web bursa (www.idx.co.id) the GMS to Shareholders no later than 14
dan situs web Kustodian Sentral Efek Indonesia (KSEI) (www.ksei. days before the GMS summon, excluding
co.id). the announcement date and the summon
• Announced through the Investor Daily Indonesia newspaper on date.
April 4, 2024;
• Proof of advertisement submitted to the Financial Services
Authority (hard copy and e-reporting through the Financial
Services Authority Electronic Reporting System (SPE OJK)) and the
Indonesia Stock Exchange (e-reporting through IDXNet) on April 4,
2024;
• Uploaded on the Bank's website (www.banksinarmas.com) on the
same day; and Uploaded on the stock exchange website (www.
238 idx.co.id) and the Indonesian Central Securities Depository (KSEI)
website (www.ksei.co.id).
Pemanggilan serta Penjelasan • Diumumkan melalui surat kabar Investor Daily Indonesia pada Perusahaan Terbuka wajib melakukan
Ikhtisar Kinerja Mata Acara tanggal 24 April 2024; pemanggilan kepada Pemegang Saham
2024 Summons and Explanation of • Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy paling lambat 21 hari sebelum tanggal
Agenda Items dan e-reporting melalui SPE OJK) dan Bursa Efek Indonesia penyelenggaraan RUPS, dengan tidak
(e-reporting melalui IDXNet) pada tanggal 24 April 2024; memperhitungkan tanggal pemanggilan
Laporan • Diunggah pada situs web Bank (www. banksinarmas.com) di hari dan tanggal penyelenggaraan RUPS.
Manajemen yang sama; dan Public Companies are required to issue a
• Diunggah pada situs web bursa (www.idx.co.id) dan situs web KSEI summons to Shareholders no later than 21
(www.ksei.co.id). days before the date of the GMS, excluding
Profil • Announced through the Investor Daily Indonesia newspaper on the date of the summons and the date of
Perusahaan April 24, 2024; the GMS.
• Proof of advertisement submitted to the Financial Services
Analisis dan Authority (hard copy and e-reporting through SPE OJK) and the
Indonesia Stock Exchange (e-reporting through IDXNet) on April
Pembahasan
24, 2024;
Manajemen
• Uploaded on the Bank's website (www.banksinarmas.com) on the
same day; and
Tinjauan • Uploaded on the stock exchange website, (www.idx.co.id), and the
Pendukung KSEI website, (www.ksei.co.id).
Bisnis Ringkasan Risalah (Hasil) • Dipublikasikan pada tanggal 17 Mei 2024 melalui surat kabar Ringkasan risalah RUPS wajib diumumkan
RUPS Tahunan harian Investor Daily Indonesia; kepada masyarakat paling lambat 2 hari
Summary of Minutes (Results) • Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy kerja setelah RUPS diselenggarakan.
TATA KELOLA of the Annual General dan e-reporting melalui SPE OJK) dan Bursa Efek Indonesia The summary of the minutes of the GMS
PERUSAHAAN Meeting of Shareholders (e-reporting melalui IDXNet) serta dipublikasikan melalui surat must be announced to the public no later
kabar harian Investor Daily Indonesia pada tanggal 17 Mei 2024; than 2 working days after the GMS is held.
• Diunggah pada situs web Bank www.banksinarmas.com pada
Laporan
tanggal 17 Mei 2024; dan
Keberlanjutan
• Diunggah pada situs web bursa www.idx.co.id dan situs web KSEI
www.ksei.co.id melalui surat kabar harian Investor Daily Indonesia.
• Published on May 17, 2024, through the Investor Daily Indonesia
Newspaper;
• Proof of advertisement submitted to the Financial Services
Authority (hard copy and e-reporting through SPE OJK) and the
Indonesia Stock Exchange (e-reporting through IDXNet) and
published through the Investor Daily Indonesia Newspaper on May
17, 2024;
• Uploaded on the Bank's website, www.banksinarmas.com, on May
17, 2024; and
• Uploaded on the stock exchange website, www.idx.co.id, and
the KSEI website, www.ksei.co.id, and through the Investor Daily
Indonesia Newspaper.
Keputusan dan Realisasi RUPS Tahunan
Resolutions and Realization of the Annual GMS
Mata Acara 1
Agenda – Item 1
Agenda Keputusan
Resolution
Persetujuan Laporan Tahunan Direksi untuk tahun buku yang berakhir Menerima dan Menyetujui Laporan Tahunan Direksi untuk tahun buku
pada tanggal 31 Desember 2023. yang berakhir pada tanggal 31 Desember 2023.
Approval of the Board of Directors' Annual Report for the financial year Accepting and Approving the Annual Report of the Board of Directors for
ending December 31, 2023. the financial year ending December 31, 2023.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 241
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju: 15.656.126.639 saham Telah direalisasikan pada tahun 2024.
Tidak Setuju: - It has been realized in 2024.
Abstain: -
Tidak Menentukan: -
Agree: 15,656,126,639 shares
Disagree: -
Abstain: -
Did Not Determined: -
Mata Acara 2
Agenda – Item 2
Agenda Keputusan
Resolution
Pengesahan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) Pengesahan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba)
untuk tahun buku yang berakhir pada tanggal 31 Desember 2023 serta untuk tahun buku yang berakhir pada tanggal 31 Desember 2023 serta
memberikan pembebasan tanggung jawab kepada para anggota Direksi memberikan pembebasan dan pelunasan tanggung jawab (acquit et de
dan Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge) kepada para anggota Direksi atas tindakan pengurusan dan
charge) yang telah dijalankan untuk tahun buku yang berakhir pada Dewan Komisaris atas tindakan pengawasan yang telah dijalankan untuk
tanggal 31 Desember 2023. tahun buku yang berakhir pada tanggal 31 Desember 2023.
Ratification of the Annual Calculation (Balance Sheet and Profit/Loss Ratification of the Annual Calculation (Balance Sheet and Profit/Loss 239
Calculation) for the financial year ending on December 31, 2023, Calculation) for the financial year ending on December 31, 2023, and
and granting release of responsibility to the members of the Board granting release and discharge of responsibility (acquit et de charge) to
of Directors and Board of Commissioners for the management and the members of the Board of Directors for management actions and the 2024
supervision (acquit et de charge) that have been carried out for the Board of Commissioners for supervisory actions that have been carried Performance
financial year ending on December 31, 2023. out for the financial year ending on December 31, 2023. Highlights
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up Management
Report
Setuju: 15.656.126.639 saham Telah direalisasikan pada tahun 2024.
Tidak Setuju: - It has been realized in 2024.
Abstain: -
Company
Tidak Menentukan: -
Agree: 15,656,126,639 shares Profile
Disagree: -
Abstain: -
Not Determined: - Management
Discussion and
Mata Acara 3
Analysis
Agenda – Item 3
Agenda Keputusan
Resolutions Business
Persetujuan penggunaan laba Perseroan untuk tahun buku yang 1. Menyetujui penggunaan laba Perseroan untuk tahun buku yang Support
berakhir pada tanggal 31 Desember 2023. berakhir pada tanggal 31 Desember 2023 sebesar Rp75.797.080.615,00 Overview
Approval of the use of the Company's profits for the financial year yang akan digunakan sebesar Rp500.000.000,00 (lima ratus juta
ending December 31, 2023. Rupiah) untuk dana cadangan sesuai dengan ketentuan pasal 70
Undang-undang No. 40 Tahun 2007 dan pasal 23 anggaran dasar CORPORATE
Perseroan. GOVERNANCE
2. Menyetujui sisa laba bersih Perseroan sebesar Rp75.297.080.615,00
akan dipergunakan untuk memperkuat Permodalan Perseroan dan
dicatat sebagai Laba Yang Ditahan, sesuai dengan pasal 23 ayat 3 Sustainability
anggaran dasar Perseroan akan dikelola oleh Direksi dengan cara
Report
yang tepat menurut pertimbangan Direksi, setelah memperoleh
persetujuan Dewan Komisaris.
3. Memberikan wewenang kepada Direksi Perseroan untuk mengatur,
melaksanakan, dan menjalankan tindakan-tindakan yang diperlukan
sehubungan dengan penggunaan laba bersih Perseroan tersebut
diatas sesuai dengan ketentuan hukum dan peraturan yang berlaku.
1. Approving the use of the Company's profit for the financial year ending
on December 31, 2023, amounting to Rp 75,797,080,615.00, which will
be used in the amount of Rp Rp 500,000,000.00 (five hundred million
Rupiah) for reserve funds in accordance with the provisions of Article
70 of Law No. 40 of 2007 and Article 23 of the Company's articles of
association.
2. Approving the remaining net profit of the Company of Rp
75,297,080,615.00 will be used to strengthen the Company's Capital
and recorded as Retained Earnings, in accordance with Article 23
paragraph 3 of the Company's articles of association, will be managed
by the Board of Directors in an appropriate manner according to the
Board of Directors' considerations, after obtaining approval from the
Board of Commissioners.
3. Delegating authority to the Company's Board of Directors to regulate,
implement, and carry out the necessary actions in connection with
the use of the Company's net profit above in accordance with the
provisions of applicable laws and regulations.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 242
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju: 15.656.126.639 saham Telah direalisasikan pada tahun 2024.
Tidak Setuju: - It has been realized in 2024.
Abstain: -
Tidak Menentukan: -
Agree: 15,656,126,639 shares
Disagree: -
Abstain: -
Did Not Determined: -
Mata Acara 4
Agenda – Item 4
Agenda Keputusan
Resolutions
Penunjukan Akuntan Publik dan Kantor Akuntan Publik untuk melakukan 1. Menyetujui penunjukan Akuntan Publik DENNY SUSANTO dan Kantor
pemeriksaan (audit) pembukuan tahun 2024. Akuntan Publik MIRAWATI SENSI IDRIS (firma anggota Moore Global)
Appointment of Public Accountant and Public Accounting Firm to yang masing-masing terdaftar di Otoritas Jasa Keuangan sebagai
conduct audit of the 2024 financial statements Akuntan Publik dan Kantor Akuntan Publik, atau Akuntan Publik lain
dalam Kantor Akuntan Publik yang sama, dalam hal yang bersangkutan
berhalangan tetap untuk melakukan audit Laporan Keuangan
240 Konsolidasian Perseroan Tahun Buku 2024.
2. Menyetujui pelimpahan kewenangan kepada Dewan Komisaris
Perseroan untuk menunjuk Akuntan Publik dan Kantor Akuntan
Ikhtisar Kinerja Publik lain, dalam hal Akuntan Publik dan/atau Kantor Akuntan Publik
2024 yang ditunjuk tidak dapat menyelesaikan pemberian jasa audit
atau berhalangan tetap untuk melakukan audit Laporan Keuangan
Konsolidasian Perseroan Tahun Buku 2024.
Laporan 3. Menyetujui pemberian kuasa kepada Direksi perseroan untuk
Manajemen menetapkan honorarium bagi Kantor Akuntan Publik tersebut dan
melaksanakan hal-hal yang dipandang perlu sehubungan dengan
penunjukan Akuntan Publik dan Kantor Akuntan Publik, termasuk
Profil
akan tetapi tidak terbatas, pada proses pelaksanaan rapat dan
Perusahaan
penandatanganan surat penunjukan bagi Akuntan Publik dan Kantor
Akuntan Publik.
Analisis dan 1. Approving the appointment of Public Accountant DENNY SUSANTO
Pembahasan and Public Accounting Firm MIRAWATI SENSI IDRIS (member firms of
Manajemen Moore Global), which are each registered with the Financial Services
Authority as Public Accountants and Public Accounting Firms, or other
Public Accountants in the same Public Accounting Firm, in the event
Tinjauan that the person concerned is permanently prevented from auditing the
Pendukung Company's Consolidated Financial Statements for the 2024 Financial
Bisnis Year.
2. Approving the delegation of authority to the Company's Board of
Commissioners to appoint other Public Accountants and Public
TATA KELOLA Accounting Firms, in the event that the appointed Public Accountant
PERUSAHAAN and/or Public Accounting Firm is unable to complete the provision
of audit services or is permanently prevented from auditing the
Company's Consolidated Financial Statements for the 2024 Financial
Laporan Year.
Keberlanjutan 3. Approving the granting of power of attorney to the Company's Board
of Directors to determine the honorarium for the Public Accounting
Firm and to carry out matters deemed necessary in connection with
the appointment of the Public Accountant and Public Accounting
Firm, including but not limited to the process of holding meetings and
signing the letter of appointment for the Public Accountant and Public
Accounting Firm.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju: 15.656.126.639 saham Telah direalisasikan pada tahun 2024.
Tidak Setuju: - It has been realized in 2024
Abstain: -
Tidak Menentukan: - Akuntan Publik Denny Susanto dari Kantor Akuntan Publik Mirawati Sensi
Agree: 15,656,126,639 shares Idris telah selesai mengaudit Laporan Keuangan PT. Bank Sinarmas Tbk.
Disagree: - periode 31 Desember 2024 pada tanggal 26 Maret 2025 dengan opini
Abstain: - Wajar Tanpa Modifikasian.
Not Determined: - Public Accountant Denny Susanto from Mirawati Sensi Idris Public
Accounting Firm has completed auditing the Financial Statements of PT.
Bank Sinarmas Tbk. for the period of December 31, 2024, on March 26,
2025 with an Unqualified Opinion.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 243
Mata Acara 5
Agenda – Item 5
Agenda Keputusan
Resolutions
Penetapan Gaji para anggota Direksi serta Honorarium Dewan Komisaris 1. Menetapkan besaran honorarium dan/atau tunjangan lainnya dari
Perseroan tahun 2024. Dewan Komisaris Perseroan dengan besaran minimal sama dengan
Determination of the Salaries of the Board of Directors and the tahun 2023 dan maksimal peningkatan 20% dari tahun 2023.
Honorarium of the Company's Board of Commissioners in 2024. 2. Memberikan wewenang kepada Dewan Komisaris Perseroan untuk
menetapkan gaji dan tunjangan anggota Direksi Perseroan dengan
memperhatikan usul dari Komite Remunerasi dan Nominasi Perseroan.
1. Determining the amount of honorarium and/or other allowances for the
Company's Board of Commissioners with a minimum amount equal to
2023 and a maximum increase of 20% from 2023.
2. Delegating authority to the Company's Board of Commissioners to
determine the salary and allowances of members of the Company's
Board of Directors by taking into account the proposals from the
Company's Remuneration and Nomination Committee.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju: 15.656.126.639 saham Telah direalisasikan pada tahun 2024.
Tidak Setuju: - It has been realized in 2024. 241
Abstain: -
Tidak Menentukan: -
Agree: 15,656,126,639 shares 2024
Disagree: - Performance
Abstain: - Highlights
Did Not Determined: -
Mata Acara 6
Agenda – Item 6 Management
Report
Agenda Keputusan
Resolutions
Persetujuan Perubahan Anggaran Dasar Perseroan. 1. Menyetujui perubahan Anggaran Dasar Perseroan, yaitu beberapa Company
Approval of Amendments to the Company's Articles of Association. ketentuan dalam Pasal 14, 15, 17, 18 dan 19 dalam kaitannya dengan Profile
penyesuaian Peraturan OJK No.17 Tahun 2023 tentang Penerapan
Tata Kelola Bagi Bank Umum dan sebagaimana rincian perubahan
Anggaran Dasar Perseroan yang telah secara lengkap disajikan dalam Management
Rapat. Discussion and
2. Memberikan kuasa kepada Direksi Perseroan dan/atau Corporate Analysis
Secretary Perseroan dengan hak substitusi untuk melakukan
segala tindakan yang diperlukan berkaitan dengan keputusan Mata
Acara Rapat, termasuk namun tidak terbatas untuk menyusun dan
menyatakan kembali seluruh Anggaran Dasar Perseroan dalam Business
suatu Akta Notaris termasuk perbaikan dan/atau perubahan apabila Support
disyaratkan, dan untuk memberitahukan atas perubahan Anggaran Overview
Dasar Perseroan tersebut kepada Menteri Hukum dan Hak Asasi
Manusia Republik Indonesia dan instansi-instansi terkait, dan untuk
melaksanakan tindakan lainnya yang mungkin diperlukan tanpa ada CORPORATE
yang dikecualikan. GOVERNANCE
1. Approving the amendments to the Company's Articles of Association,
namely several provisions in Articles 14, 15, 17, 18, and 19 in relation
to the adjustment of OJK Regulation No. 17 of 2023 concerning the
Implementation of Governance for Commercial Banks and as detailed
Sustainability
changes to the Company's Articles of Association that have been fully Report
presented in the Meeting.
2. Delegating power to the Company's Board of Directors and/or the
Company's Corporate Secretary with the right of substitution to
take all necessary actions related to the resolutions of the Meeting
Agenda, including but not limited to compiling and restating the
entire Company's Articles of Association in a Notarial Deed, including
improvements and/or changes if required, and to notify the Minister
of Law and Human Rights of the Republic of Indonesia and related
agencies of the changes to the Company's Articles of Association, and
to carry out other actions that may be required without exception.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju: 15.656.126.639 saham Telah direalisasikan pada tahun 2024.
Tidak Setuju: - It has been realized in 2024
Abstain: -
Tidak Menentukan: -
Agree: 15,656,126,639 shares
Disagree: -
Abstain: -
Did Not Determined: -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 244
RUPS Luar Biasa
Extraordinary GMS
Tanggal dan Waktu Senin, 28 Oktober 2024
Date and Time 10.46 WIB – 11.00 WIB
Monday, October 28, 2024
10.46 WIB – 11.00 WIB
Tempat Ruang Danamas, Sinar Mas Land Plaza Tower II Lantai 39
Place Jalan MH Thamrin No. 51
Jakarta Pusat 10350
Danamas Room, Sinar Mas Land Plaza Tower II, 39th Floor
Jalan MH Thamrin No. 51
Jakarta Pusat, 10350
Pimpinan RUPS Tahunan Tjendrawati Widjaja selaku Komisaris Utama
Chairman of the Annual General Meeting Tjendrawati Widjaja as the President Commissioner
of Shareholders
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance Tjendrawati Widjaja: Komisaris Utama | President Commissioner
Sammy Kristamuljana: Komisaris Independen | Independent Commissioner
Direksi | Board of Directors
242 Frenky Tirtowijoyo: Direktur Utama | President Director
Miko Andidjaja: Direktur | Director
Ekajaya Ongny Putra: Direksi | Director
Ikhtisar Kinerja Enny Kamal: Direktur | Director
2024 Sendy: Direktur | Director
Pemegang Saham | Shareholders
15.819.156.029 saham (80,2345%) dari seluruh saham yang telah ditempatkan dan disetor penuh
Laporan
hingga saat Rapat yaitu sebanyak 19.716.162.403 saham.
Manajemen
15,819,156,029 shares (80.2345%) of all shares that have been placed and fully paid up to the time of
the Meeting, namely 19,716,162,403 shares.
Profil Pihak Independen Dalam Penghitungan Suara | Independent Parties in Vote Counting
Perusahaan Aulia Taufani, SH, selaku Notaris dan PT Sinartama Gunita selaku Biro Administrasi Efek.
Aulia Taufani, SH, as Notary and PT Sinartama Gunita as Securities Administration Bureau.
Analisis dan
Pembahasan
Manajemen Tahapan RUPS Luar Biasa
Stages of the Extraordinary GMS
Tinjauan Uraian Kegiatan Pelaksanaan Ketentuan
Pendukung Description of Activities Implementation Provisions
Bisnis
Pemberitahuan RUPS Luar Menyampaikan pemberitahuan tentang rencana Mata Acara Rapat Perusahaan Terbuka wajib terlebih dahulu
Biasa kepada Regulator kepada Otoritas Jasa Keuangan (OJK), melalui surat tanggal 3 menyampaikan pemberitahuan mata acara
TATA KELOLA Notification of Extraordinary September 2024 No. SKL.189/2024/PRESDIR. rapat kepada Otoritas Jasa Keuangan paling
PERUSAHAAN GMS to Regulators Submitting notification regarding the planned Meeting Agenda to the lambat 5 hari kerja sebelum pengumuman
Financial Services Authority (OJK), via letter dated September 3, 2024 RUPS, dengan tidak memperhitungkan
No. SKL.189/2024/PRESDIR. tanggal pengumuman RUPS.
Laporan Public Companies are required to first submit
Keberlanjutan notification of the meeting agenda to the
Financial Services Authority no later than 5
working days before the announcement of
the GMS, without taking into account the GMS
announcement date.
Pengumuman RUPS Luar • Diumumkan melalui surat kabar Investor Daily Indonesia pada Perusahaan Terbuka wajib melakukan
Biasa tanggal 19 September 2024; pengumuman RUPS kepada Pemegang
Announcement of • Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy Saham paling lambat 14 hari sebelum
Extraordinary GMS dan e-reporting melalui Sistem Pelaporan Elektronik Otoritas Jasa pemanggilan RUPS, dengan tidak
Keuangan(SPE OJK)) dan Bursa Efek Indonesia (e-reporting melalui memperhitungkan tanggal pengumuman dan
IDXNet) pada tanggal 19 September 2024; tanggal pemanggilan.
• Diunggah pada situs web Bank (www. banksinarmas.com) di hari
yang sama; dan
• Diunggah pada situs web bursa (www.idx.co.id) dan situs web
Kustodian Sentral Efek Indonesia (KSEI) (www.ksei.co.id).
• Announced through the Investor Daily Indonesia newspaper on
September 19, 2024;
• Proof of advertisement submitted to the Financial Services
Authority (hard copy and e-reporting through the Financial
Services Authority Electronic Reporting System (SPE OJK)) and
the Indonesia Stock Exchange (e-reporting through IDXNet) on
September 19, 2024;
• Uploaded on the Bank's website (www.banksinarmas.com) on
the same day; and uploaded on the stock exchange website
(www.idx.co.id) and the Indonesian Central Securities Depository
(KSEI) website (www.ksei.co.id).
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 245
Uraian Kegiatan Pelaksanaan Ketentuan
Description of Activities Implementation Provisions
Pemanggilan serta Penjelasan • Diumumkan melalui surat kabar Investor Daily Indonesia pada Perusahaan Terbuka wajib melakukan
Mata Acara tanggal 4 Oktober 2024; pemanggilan kepada Pemegang Saham
Summons and Explanation of • Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy paling lambat 21 hari sebelum tanggal
Agenda Items dan e-reporting melalui SPE OJK) dan Bursa Efek Indonesia penyelenggaraan RUPS, dengan tidak
(e-reporting melalui IDXNet) pada tanggal 4 Oktober 2024; memperhitungkan tanggal pemanggilan
• Diunggah pada situs web Bank (www. banksinarmas.com) di hari dan tanggal penyelenggaraan RUPS.
yang sama; dan diunggah pada situs web bursa (www.idx.co.id) Public Companies are required to issue a
dan situs web KSEI (www.ksei.co.id). summons to Shareholders no later than 21
• Announced through the Investor Daily Indonesia newspaper on days before the date of the GMS, excluding
October 4, 2024; the date of the summons and the date of
• Proof of advertisement submitted to the Financial Services Authority the GMS
(hard copy and e-reporting through SPE OJK) and the Indonesia
Stock Exchange (e-reporting through IDXNet) on October 4, 2024;
• Uploaded on the Bank's website (www.banksinarmas.com) on the
same day; and uploaded on the stock exchange website (www.idx.
co.id) and the KSEI website (www.ksei.co.id).
Ringkasan Risalah (Hasil) • Dipublikasikan pada tanggal 29 Oktober 2024 melalui surat kabar Ringkasan risalah RUPS wajib diumumkan
RUPS Luar Biasa harian Investor Daily Indonesia; kepada masyarakat paling lambat 2 hari
Summary of Minutes (Results) • Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy kerja setelah RUPS diselenggarakan.
of Extraordinary GMS dan e-reporting melalui SPE OJK) dan Bursa Efek Indonesia
(e-reporting melalui IDXNet) serta dipublikasikan melalui surat
The summary of the minutes of the GMS
must be announced to the public no later
243
kabar harian Investor Daily Indonesia pada tanggal 29 Oktober than 2 working days after the GMS is held.
2024; 2024
• Diunggah pada situs web Bank www.banksinarmas.com pada Performance
tanggal 29 Oktober 2024; dan Highlights
• Diunggah pada situs web bursa www.idx.co.id dan situs web KSEI
www.ksei.co.id melalui surat kabar harian Investor Daily Indonesia.
• Published on October 29, 2024, through the Investor Daily
Management
Indonesia Newspaper;
• Proof of advertisement submitted to the Financial Services
Report
Authority (hard copy and e-reporting through SPE OJK) and the
Indonesia Stock Exchange (e-reporting through IDXNet) and
published through the Investor Daily Indonesia Newspaper on Company
October 29, 2024; Profile
• Uploaded on the Bank's website www.banksinarmas.com on
October 29, 2024; and
• Uploaded on the stock exchange website www.idx.co.id and Management
the KSEI website www.ksei.co.id and through the Investor Daily Discussion and
Indonesia Newspaper.
Analysis
Keputusan dan Realisasi RUPS Luar Biasa Business
Resolution and Realization of Extraordinary GMS Support
Mata Acara 1 Overview
Agenda – Item 1
Agenda Keputusan
CORPORATE
Resolutions
GOVERNANCE
Susunan Pengurus Perseroan. 1. Menyetujui pengangkatan Sdri. Amandalia Johanes sebagai Direktur Perseroan untuk masa jabatan
Composition of the Company›s terhitung sejak ditutupnya rapat ini sampai dengan berakhirnya masa jabatan Direksi Perseroan yang
Management. saat ini menjabat yaitu pada saat penutupan Rapat Umum Pemegang Saham Tahunan yang akan Sustainability
diselenggarakan pada tahun 2026. Report
Dengan demikian sejak ditutupnya Rapat, susunan anggota Direksi dan Dewan Komisaris Perseroan
adalah sebagai berikut:
DIREKSI:
Direktur Utama: Frenky Tirtowijoyo
Direktur: Miko Andidjaja
Direktur: Ekajaya Ongny Putra
Direktur: Enny Kamal
Direktur: Sendy
Direktur: Amandalia Johanes
DEWAN KOMISARIS:
Komisaris Utam : Tjendrawati Widjaja
Komisaris Independen: Sammy Kristamuljana
Komisaris Independen: Rusmin
2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk
melaksanakan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta
pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada
pihak/instansi yang berwenang.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 246
1. Approving the appointment of Ms. Amandalia Johanes as Director of the Company for a term of office
starting from the closing of this meeting until the end of the term of office of the Company›s current
Board of Directors, namely at the closing of the Annual General Meeting of Shareholders to be held in
2026.
Therefore, since the closing of the Meeting, the composition of the members of the Board of Directors
and Board of Commissioners of the Company is as follows:
BOARD OF DIRECTORS:
President Director: Frenky Tirtowijoyo
Director: Miko Andidjaja
Director: Ekajaya Ongny Putra
Director: Enny Kamal
Director: Sendy
Director: Amandalia Johanes
BOARD OF COMMISSIONERS:
President Commissioner: Tjendrawati Widjaja
Independent Commissioner: Sammy Kristamuljana
Independent Commissioner: Rusmin
2. Appointing and authorizing the Board of Directors and/or Corporate Secretary of the Company to
implement the above resolutions, including but not limited to signing the deed of statement of meeting
resolutions in the presence of a Notary and notifying the changes to the authorized parties/agencies.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
244 Voting Results
Setuju: 15.819.156.029 saham Telah direalisasikan pada tahun 2024.
Realization/Follow-up
Tidak Setuju: - It has been realized in 2024
Ikhtisar Kinerja Abstain: -
2024 Tidak Menentukan: -
Agree: 15,819,156,029 shares
Disagree: -
Laporan Abstain: -
Manajemen Did Not Determined: -
Profil Keputusan dan Realisasi atas Keputusan RUPS In 2024, the Bank implemented an Annual GMS on May 16,
Perusahaan
Tahun Sebelumnya 2024, and an Extraordinary GMS on October 28, 2024, with
the following details.
Analisis dan
Pembahasan RUPS Tahunan 27 Juni 2023
Manajemen Annual GMS June 27, 2023 Resolution and Realization of the Previous
Year’s
Mata Acara 1 GMS
Tinjauan Agenda – Item 1
Pendukung Agenda Keputusan
Bisnis Resolutions
Persetujuan Laporan Tahunan Direksi Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir pada 31 Desember
TATA KELOLA untuk tahun buku yang berakhir pada 2022.
PERUSAHAAN tanggal 31 Desember 2022. Accepting and approving the Annual Report of the Board of Directors for the financial year ending
Approval of the Board of Directors' December 31, 2022.
Annual Report for the financial year
Laporan ending December 31, 2022.
Keberlanjutan
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju: 15.475.512.963 saham Telah direalisasikan pada tahun 2023.
Tidak Setuju: - It has been realized in 2023
Abstain: -
Tidak Menentukan: -
Agree: 15,475,512,963 shares
Disagree: -
Abstain: -
Did Not Determined: -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 247
Mata Acara 2
Agenda – Item 2
Agenda Keputusan
Resolutions
Pengesahan Perhitungan Tahunan Pengesahan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang berakhir
(Neraca dan Perhitungan Rugi/Laba) pada tanggal 31 Desember 2022 serta memberikan pembebasan dan pelunasan tanggung jawab (acquit
untuk tahun buku yang berakhir pada et de charge) kepada para anggota Direksi atas tindakan pengurusan dan Dewan Komisaris atas tindakan
tanggal 31 Desember 2022 serta pengawasan yang telah dijalankan untuk tahun buku yang berakhir pada tanggal 31 Desember 2022.
memberikan pembebasan tanggung Ratification of the Annual Calculation (Balance Sheet and Profit/Loss Calculation) for the financial year
jawab kepada para anggota Direksi ending on December 31, 2022, and granting release and discharge of responsibility (acquit et de charge)
dan Dewan Komisaris atas pengurusan to the members of the Board of Directors for management actions and the Board of Commissioners for
dan pengawasan (acquit et de charge) supervisory actions that have been carried out for the financial year ending on December 31, 2022.
yang telah dijalankan untuk tahun
buku yang berakhir pada tanggal 31
Desember 2022.
Approval of the Annual Calculation
(Balance Sheet and Profit/Loss
Calculation) for the financial year
ending on December 31, 2022, and
granting release of responsibility to
the members of the Board of Directors
and Board of Commissioners for the
management and supervision (acquit
245
et de charge) that have been carried
out for the financial year ending on 2024
December 31, 2022. Performance
Highlights
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Management
Setuju: 15.475.512.963 saham Telah direalisasikan pada tahun 2023. Report
Tidak Setuju: - It has been realized in 2023
Abstain: -
Tidak Menentukan: -
Agree: 15,475,512,963 shares Company
Disagree: - Profile
Abstain: -
Did Not Determined: -
Management
Mata Acara 3
Discussion and
Agenda – Item 3
Analysis
Agenda Keputusan
Resolutions
Persetujuan penggunaan laba Bank 1. Menyetujui penggunaan laba Bank untuk tahun buku yang berakhir pada tanggal 31 Desember 2022 Business
untuk tahun buku yang berakhir pada sebesar Rp221.160.347.699,- yang akan digunakan sebesar Rp500.000.000,- untuk dana cadangan Support
tanggal 31 Desember 2022. sesuai dengan ketentuan pasal 70 Undang-undang No. 40 tahun 2007 dan Pasal 23 Anggaran Dasar Overview
Approval of the use of Bank profits for Bank.
the financial year ending December 2. Menyetujui sisa laba bersih Bank sebesar Rp220.660.347.699,- akan dipergunakan untuk memperkuat
31, 2022. permodalan Bank dan dicatat sebagai laba yang ditahan, sesuai dengan Pasal 23 Ayat 3 Anggaran CORPORATE
Dasar Bank akan dikelola oleh Direksi dengan cara yang tepat menurut pertimbangan Direksi, setelah GOVERNANCE
memperoleh persetujuan Dewan Komisaris.
3. Memberikan wewenang kepada Direksi Bank untuk mengatur, melaksanakan, dan menjalankan
tindakan-tindakan yang diperlukan sehubungan dengan penggunaan laba bersih Bank tersebut di atas
sesuai dengan ketentuan hukum dan peraturan yang berlaku.
Sustainability
1. Approving the use of the Bank's profit for the financial year ending on December 31, 2022, amounting Report
to Rp 221,160,347,699,-, which will be used for Rp 500,000,000 for reserve funds in accordance with the
provisions of Article 70 of Law No. 40 of 2007 and Article 23 of the Bank's Articles of Association.
2. Approving the remaining net profit of the Bank of Rp 220,660,347,699,- will be used to strengthen the
Bank's capital and recorded as retained earnings, in accordance with Article 23 Paragraph 3 of the Bank's
Articles of Association, will be managed by the Board of Directors in an appropriate manner according to
the Board of Directors' considerations, after obtaining approval from the Board of Commissioners.
3. Delegating authority to the Bank's Board of Directors to regulate, implement, and carry out the necessary
actions in connection with the use of the Bank's net profit above in accordance with the provisions of
applicable laws and regulations.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju: 15.475.512.963 saham Telah direalisasikan pada tahun 2023.
Tidak Setuju: - It has been realized in 2023
Abstain: -
Tidak Menentukan: -
Agree: 15,475,512,963 shares
Disagree: -
Abstain: -
Did Not Determined: -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 248
Mata Acara 4
Agenda – Item 4
Agenda Keputusan
Resolutions
Penunjukan kantor akuntan publik 1. Menyetujui penunjukan Kantor Akuntan Publik Mirawati Sensi Idris untuk melakukan pemeriksaan (audit)
untuk melakukan pemeriksaan (audit) Laporan Keuangan Bank untuk tahun buku yang akan berakhir pada tanggal 31 Desember 2023.
pembukuan tahun 2023. 2. Memberikan kuasa kepada Dewan Komisaris untuk menetapkan akuntan publik pada Kantor Akuntan
Appointment of a public accounting Publik Mirawati Sensi Idris untuk melakukan pemeriksaan (audit) Laporan Keuangan Bank untuk tahun
firm to conduct an audit of the 2023 buku yang akan berakhir pada tanggal 31 Desember 2023.
financial statements. 3. Memberikan kuasa kepada Direksi Bank untuk menetapkan honorarium bagi kantor akuntan publik
tersebut, serta persyaratan-persyaratan lain sehubungan dengan penunjukan kantor akuntan publik
tersebut.
1. Approving the appointment of Mirawati Sensi Idris Public Accounting Firm to conduct an audit of the
Bank's Financial Statements for the financial year ending on December 31, 2023.
2. Delegating authority to the Board of Commissioners to appoint a public accountant at Mirawati Sensi
Idris Public Accounting Firm to conduct an audit of the Bank's Financial Statements for the financial year
ending on December 31, 2023.
3. Delegating authority to the Bank's Board of Directors to determine the honorarium for the public
accounting firm, as well as other requirements in connection with the appointment of the public
accounting firm.
246 Hasil Pemungutan Suara
Voting Results
Realisasi/Tindak Lanjut
Realization/Follow-up
Setuju: 15.475.512.963 saham Telah direalisasikan pada tahun 2023.
Ikhtisar Kinerja Tidak Setuju: - It has been realized in 2023
2024 Abstain: -
Tidak Menentukan: -
Agree: 15,475,512,963 shares
Laporan
Disagree: -
Manajemen Abstain: -
Did Not Determined: -
Profil Mata Acara 5
Perusahaan Agenda – Item 5
Agenda Keputusan
Analisis dan Resolutions
Pembahasan
Penetapan gaji para anggota Direksi 1. Menetapkan besaran honorarium dan/atau tunjangan lainnya dari Dewan Komisaris dan Dewan
Manajemen
serta honorarium Dewan Komisaris dan Pengawas Syariah Bank dengan besaran minimal sama dengan tahun 2022 dan maksimal peningkatan
Dewan Pengawas Syariah Bank tahun 20% dari tahun 2022.
Tinjauan 2023. 2. Memberikan wewenang kepada Dewan Komisaris Bank untuk menetapkan gaji dan tunjangan anggota
Pendukung Determination of salaries for Direksi Bank dengan memperhatikan usul dari Komite Remunerasi dan Nominasi Bank.
members of the Board of Directors 1. Determining the amount of honorarium and/or other allowances for the Board of Commissioners and the
Bisnis
and honorariums for the Board Sharia Supervisory Board of the Bank with a minimum amount equal to 2022 and a maximum increase
of Commissioners and the Sharia of 20% from 2022.
TATA KELOLA Supervisory Board of the Bank in 2023. 2. Delegating authority to the Board of Commissioners of the Bank to determine the salary and allowances
PERUSAHAAN of members of the Board of Directors of the Bank by taking into account the proposals from the Bank's
Remuneration and Nomination Committee.
Laporan Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Keberlanjutan
Setuju : 15.475.512.963 saham Telah direalisasikan pada tahun 2023.
Tidak Setuju : - It has been realized in 2023
Abstain : -
Tidak Menentukan : -
Agree : 15,475,512,963 shares
Disagree : -
Abstain : -
Did Not Determined : -
Mata Acara 6
Agenda – Item 6
Agenda Keputusan
Resolutions
Laporan Realisasi Penggunaan Dana Laporan Realisasi Penggunaan Dana Penawaran Umum Terbatas II (PUT II).
Penawaran Umum Terbatas II (PUT II). Report on the Realization of the Use of Funds from Limited Public Offering II (PUT II).
Report on the Realization of the Use
of Funds from Limited Public Offering
II (PUT II).
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Tidak ada pengambilan keputusan Telah direalisasikan pada tahun 2023.
karena mata acara bersifat laporan. It has been realized in 2023
There was no voting because the
agenda was of a reporting nature.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 249
Mata Acara 7
Agenda – Item 7
Agenda Keputusan
Resolutions
Laporan Realisasi Penggunaan Dana Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Obligasi Subordinasi I Tahap I Tahun
Penawaran Umum Berkelanjutan 2022.
Obligasi Subordinasi I Tahap I Tahun Report on the Realization of the Use of Proceeds from the Shelf-Registered Public Offering of Subordinated
2022. Bonds I Phase I Year 2022.
Report on the Realization of the Use
of Proceeds from the Shelf-Registered
Public Offering of Subordinated Bonds I
Phase I Year 2022.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Tidak ada pengambilan keputusan Telah direalisasikan pada tahun 2023.
karena mata acara bersifat laporan. It has been realized in 2023.
There was no voting because the
agenda was of a reporting nature.
Mata Acara 8
Agenda – Item 8 247
Agenda Keputusan
Resolutions
2024
Persetujuan Perubahan Susunan 1. Menyetujui untuk membatalkan salah satu keputusan RUPS Tahunan tanggal 14 Juni 2022 terkait Performance
Pengurus Bank. dengan pengangkatan Bapak Kapil Sharma sebagai Direktur Bank. Adapun keputusan RUPS Tahunan Highlights
Approval of Changes to the tanggal 14 Juni 2022 selain terkait hal tersebut dinyatakan tetap berlaku.
Composition of the Bank›s 2. Menyetujui pemberhentian dengan hormat Bapak Hanafi Himawan dari jabatannya selaku Direktur Bank
Management. serta memberikan pelunasan dan pembebasan (acquit et de charge) tanggung jawab sepenuhnya
Management
atas tindakan pengurusan yang dilakukan selama menjalankan jabatannya sepanjang tindakan-
Report
tindakan tersebut tercermin dalam buku-buku Bank dan tidak bertentangan atau melanggar peraturan
perundang-undangan yang berlaku serta mengucapkan terima kasih atas sumbangsih dan jasa-jasa
yang telah diberikan, berlaku efektif setelah berlakunya Izin Usaha Bank Umum Syariah (BUS) Hasil
Pemisahan Unit Usaha Syariah (UUS) diterbitkan oleh Otoritas Jasa Keuangan dan mengacu kepada Company
hasil penilaian kemampuan dan kepatutan yang dilakukan oleh Otoritas Jasa Keuangan; Profile
3. Menyetujui pengangkatan Ibu Enny Kamal sebagai Direktur Bank terhitung efektif setelah mendapatkan
persetujuan dari Otoritas Jasa Keuangan sampai dengan berakhirnya masa jabatan Direksi Bank yang
saat ini menjabat, yaitu pada saat penutupan RUPS Tahunan yang akan diselenggarakan pada tahun Management
2026. Discussion and
4. Menyetujui pengangkatan Bapak Sendy sebagai Direktur Bank terhitung efektif setelah mendapatkan Analysis
persetujuan dari Otoritas Jasa Keuangan sampai dengan berakhirnya masa jabatan Direksi Bank yang
saat ini menjabat yaitu pada saat penutupan RUPS Tahunan yang akan diselenggarakan pada tahun
2026.
5. Menetapkan berakhirnya masa jabatan seluruh anggota Direksi dan Dewan Komisaris Bank yang saat ini Business
menjabat terhitung sejak ditutupnya Rapat. Support
6. Menetapkan berakhirnya masa jabatan Dewan Pengawas Syariah yang saat ini menjabat terhitung sejak Overview
ditutupnya Rapat.
7. Menyetujui pengangkatan kembali seluruh anggota Direksi, Dewan Komisaris, dan Dewan Pengawas
Syariah Bank untuk masa jabatan terhitung sejak ditutupnya Rapat sampai dengan penutupan RUPS CORPORATE
Tahunan pada akhir 1 periode masa jabatan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas GOVERNANCE
Syariah Bank, yaitu pada saat penutupan RUPS Tahunan yang akan diselenggarakan pada tahun 2026.
Dengan demikian sejak ditutupnya Rapat, susunan anggota Direksi, Dewan Komisaris, dan Dewan
Pengawas Syariah Bank sebagai berikut.
DIREKSI:
Sustainability
Direktur Utama: Frenky Tirtowijoyo Report
Direktur: Halim
Direktur: Hanafi Himawan
Direktur: Soejanto Soetjijo
Direktur: Miko Andidjaja
Direktur: Uzan Tedjamulia
Direktur: Ekajaya Ongny Putra
Direktur: Enny Kamal*)
Direktur: Sendy*)
DEWAN KOMISARIS:
Komisaris Utama: Tjendrawati Widjaja
Komisaris Independen: Sammy Kristamuljana
Komisaris Independen: Rusmin
DEWAN PENGAWAS SYARIAH:
Ketua: Ahmadi Sukarno
Anggota: Mochammad Bukhori Muslim
Dengan penjelasan sebagai berikut.
*) pengangkatan Enny Kamal dan Sendy sebagai Direktur Bank terhitung efektif setelah mendapatkan
persetujuandari Otoritas Jasa Keuangan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 250
8. Menegaskan kembali susunan anggota Direksi dan Dewan Komisaris Bank setelah berlakunya Izin
Usaha BUS Hasil Pemisahan UUS yang diterbitkan oleh Otoritas Jasa Keuangan sebagai berikut.
DIREKSI:
Direktur Utama: Frenky Tirtowijoyo
Direktur: Miko Andidjaja
Direktur: Ekajaya Ongny Putra
Direktur: Enny Kamal*)
Direktur: Sendy*)
DEWAN KOMISARIS:
Komisaris Utama: Tjendrawati Widjaja
Komisaris Independen: Sammy Kristamuljana
Komisaris Independen: Rusmin
Dengan penjelasan sebagai berikut:
*) pengangkatan Ibu Enny Kamal dan Bapak Sendy sebagai Direktur Bank terhitung efektif setelah
mendapatkan persetujuan dari Otoritas Jasa Keuangan.
9. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Bank dengan hak substitusi
untuk melaksanakan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani
akta pernyataan keputusan rapat di hadapan notaris dan memberitahukan perubahan tersebut kepada
pihak yang berwenang.
1. Approving the cancellation of one of the resolutions of the Annual GMS dated June 14, 2022, related to
the appointment of Mr. Kapil Sharma as Director of the Bank. The resolutions of the Annual GMS dated
June 14, 2022, other than those related to the above, are declared to remain valid.
248 2. Approving the honorable dismissal of Mr. Hanafi Himawan from his position as Director of the Bank
and grant full release and discharge (acquit et de charge) of responsibility for the management actions
carried out during his term of office as long as these actions are reflected in the Bank›s books and do
Ikhtisar Kinerja not conflict with or violate applicable laws and regulations and express gratitude for the contributions
2024 and services that have been provided, effective after the enactment of the Sharia Commercial Bank
(BUS) Business License Resulting from the Separation of the Sharia Business Unit (UUS) issued by the
Financial Services Authority and referring to the results of the fit and proper assessment conducted by
Laporan the Financial Services Authority;
Manajemen 3. Approving the appointment of Mrs. Enny Kamal as Director of the Bank effective after obtaining approval
from the Financial Services Authority until the end of the term of office of the current Board of Directors
of the Bank, namely at the closing of the Annual GMS to be held in 2026.
Profil 4. Approving the appointment of Mr. Sendy as Director of the Bank effective after obtaining approval
Perusahaan from the Financial Services Authority until the end of the term of office of the Bank›s current Board of
Directors, namely at the closing of the Annual GMS to be held in 2026.
5. Determining the end of the term of office of all members of the Bank›s Board of Directors and Board of
Analisis dan Commissioners currently serving as of the closing of the Meeting.
Pembahasan 6. Determining the end of the term of office of the Sharia Supervisory Board currently serving as of the
Manajemen closing of the Meeting.
7. Approving the reappointment of all members of the Bank›s Board of Directors, Board of Commissioners,
and Sharia Supervisory Board for a term of office starting from the closing of the Meeting until the closing
Tinjauan of the Annual GMS at the end of 1 term of office of members of the Bank›s Board of Directors, Board of
Pendukung Commissioners, and Sharia Supervisory Board, namely at the closing of the Annual GMS to be held in
Bisnis 2026.
Thus, since the closing of the Meeting, the composition of the members of the Bank›s Board of Directors,
Board of Commissioners, and Sharia Supervisory Board is as follows.
TATA KELOLA
BOARD OF DIRECTORS:
PERUSAHAAN President Director: Frenky Tirtowijoyo
Director: Halim
Laporan Director: Hanafi Himawan
Director: Soejanto Soetjijo
Keberlanjutan
Director: Miko Andidjaja
Director: Uzan Tedjamulia
Director: Ekajaya Ongny Putra
Director: Enny Kamal*)
Director: Sendy*)
BOARD OF COMMISSIONERS:
President Commissioner: Tjendrawati Widjaja
Independent Commissioner: Sammy Kristamuljana
Independent Commissioner: Rusmin
SHARIAH SUPERVISORY BOARD:
Chairman: Ahmadi Sukarno
Member: Mochammad Bukhori Muslim
With the following explanation.
*) the appointment of Enny Kamal and Sendy as Bank Directors is effective after obtaining approval from
the Financial Services Authority.
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8. Reaffirming the composition of the Board of Directors and Board of Commissioners of the Bank after the
enactment of the BUS Business License Resulting from the Separation of UUS issued by the Financial
Services Authority as follows.
BOARD OF DIRECTORS:
President Director: Frenky Tirtowijoyo
Director: Miko Andidjaja
Director: Ekajaya Ongny Putra
Director: Enny Kamal*)
Director: Sendy*)
BOARD OF COMMISSIONERS:
President Commissioner: Tjendrawati Widjaja
Independent Commissioner: Sammy Kristamuljana
Independent Commissioner: Rusmin
With the following explanation:
*) the appointment of Mrs. Enny Kamal and Mr. Sendy as Directors of the Bank is effective after obtaining
approval from the Financial Services Authority.
9. Appointing and granting power to the Board of Directors and/or Corporate Secretary of the Bank with
the right of substitution to implement the above resolutions, including but not limited to signing the
deed of statement of meeting resolutions in the presence of a Notary and notifying the changes to the
authorized party.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results
Setuju: 15.475.512.963 saham Telah direalisasikan pada tahun 2023.
Realization/Follow-up
249
Tidak Setuju: - It has been realized in 2023.
Abstain: - 2024
Tidak Menentukan: - Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank Sinarmas mengalami perubahan sebagai Performance
Agree: 15,475,512,963 shares hasil dari efektifnya pemisahan Unit Usaha Syariah. Dengan demikian, komposisi Direksi dan Dewan Highlights
Disagree: - Komisaris sebagai berikut.
Abstain: - DIREKSI:
Did Not Determined: - Direktur Utama: Frenky Tirtowijoyo
Direktur: Miko Andidjaja Management
Direktur: Ekajaya Ongny Putra Report
Direktur: Enny Kamal
Direktur: Sendy
DEWAN KOMISARIS: Company
Komisaris Utama: Tjendrawati Widjaja Profile
Komisaris Independen: Sammy Kristamuljana
Komisaris Independen: Rusmin
Management
On January 1, 2024, the composition of the Board of Directors of Bank Sinarmas changed as a result of the
Discussion and
effective separation of the Sharia Business Unit. Thus, the composition of the Board of Directors and Board
Analysis
of Commissioners is as follows.
BOARD OF DIRECTORS:
President Director: Frenky Tirtowijoyo
Director: Miko Andidjaja Business
Director: Ekajaya Ongny Putra Support
Director: Enny Kamal Overview
Director: Sendy
BOARD OF COMMISSIONERS:
President Commissioner: Tjendrawati Widjaja CORPORATE
Independent Commissioner: Sammy Kristamuljana GOVERNANCE
Independent Commissioner: Rusmin
Sustainability
Report
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Mata Acara 9
Agenda – Item 9
Agenda Keputusan
Resolutions
Persetujuan Perubahan Anggaran 1. Menyetujui perubahan Anggaran Dasar Bank efektif setelah berlakunya Izin Usaha BUS Hasil Pemisahan
Dasar Bank. UUS yang diterbitkan oleh Otoritas Jasa Keuangan, yaitu:
Approval of Amendments to the Bank's a. Mengubah Pasal 3 Anggaran Dasar Bank tentang maksud dan tujuan serta kegiatan usaha Bank
Articles of Association. dengan memperhatikan implementasi Klasifikasi Baku Lapangan Usaha Indonesia (KBLI) 2020; dan
b. Menghapus Pasal 20 Anggaran Dasar Bank tentang Dewan Pengawas Syariah.
2. Memberikan kuasa kepada Direksi Bank dan/atau Corporate Secretary Bank dengan hak substitusi
untuk melakukan segala tindakan yang diperlukan berkaitan dengan keputusan Mata Acara Rapat
ini, termasuk namun tidak terbatas untuk menyusun dan menyatakan kembali seluruh Anggaran
Dasar Bank dalam suatu akta notaris, dan untuk memberitahukan dan/atau mengajukan permohonan
persetujuan atas perubahan Anggaran Dasar Bank tersebut kepada Menteri Hukum dan Hak Asasi
Manusia Republik Indonesia dan instansi-instansi terkait, dan untuk melaksanakan tindakan lainnya yang
mungkin diperlukan tanpa ada yang dikecualikan.
1. Approving the changes to the Bank's Articles of Association effective after the enactment of the BUS
Business License Resulting from the Separation of UUS issued by the Financial Services Authority,
namely:
a. Change Article 3 of the Bank's Articles of Association concerning the purpose and objectiveve and
business activities of the Bank by taking into account the implementation of the 2020 Indonesian
250 Standard Industrial Classification (KBLI); and
b. Remove Article 20 of the Bank's Articles of Association concerning the Sharia Supervisory Board.
2. Granting power to the Bank's Board of Directors and/or the Bank's Corporate Secretary with the right of
Ikhtisar Kinerja substitution to take all necessary actions related to the resolutions of this Meeting Agenda, including but
2024 not limited to compiling and restating the entire Bank's Articles of Association in a notarial deed, and to
notify and/or submit a request for approval of the changes to the Bank's Articles of Association to the
Minister of Law and Human Rights of the Republic of Indonesia and related agencies, and to carry out
Laporan other actions that may be necessary without exception.
Manajemen
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Profil
Setuju: 15.475.512.963 saham Telah direalisasikan pada tahun 2023.
Perusahaan
Tidak Setuju: - It has been realized in 2023
Abstain: -
Analisis dan Tidak Menentukan: -
Pembahasan Agree: 15,475,512,963 shares
Manajemen Disagree: -
Abstain: -
Did Not Determined: -
Tinjauan
Pendukung
Bisnis
TATA KELOLA
PERUSAHAAN
Laporan
Keberlanjutan
DEWAN KOMISARIS
Board Of Commissioners
Dewan Komisaris merupakan organ yang bertanggung The Board of Commissioners is the organ responsible for
jawab untuk mengawasi dan mengarahkan keberlanjutan supervising and directing the sustainability of the Bank's
usaha Bank, serta turut serta dalam memantau efektivitas business and participating in monitoring the effectiveness
implementasi GCG pada semua tingkatan organisasi. Dewan of GCG implementation at all levels of the organization. The
Komisaris juga turut memberikan nasihat kepada Direksi atas Board of Commissioners also provides advice to the Board
jalannya kegiatan usaha Bank. [GRI 2-11] of Directors on the Bank's business activities. [GRI 2-11]
Proses pengangkatan dan pemberhentian Dewan Komisaris The process of appointing and dismissing the Board of
dilakukan melalui RUPS berdasarkan rekomendasi Komite Commissioners is carried out through the GMS based on
Remunerasi dan Nominasi, dengan periode jabatan yang the recommendation of the Remuneration and Nomination
ditetapkan dalam RUPS. Komposisi Dewan Komisaris Committee, with the term of office determined in the GMS.
disesuaikan dengan kebutuhan dan kompleksitas Bank, The composition of the Board of Commissioners is adjusted
mempertimbangkan keahlian, pengalaman profesional, dan to the needs and complexity of the Bank, considering the
latar belakang masing-masing anggota. expertise, professional experience, and background of each
member.
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Pedoman Dewan Komisaris Board of Commissioners Guidelines
Bank telah menyusun Pedoman Dewan Komisaris yang The Bank has prepared the Board of Commissioners
ditetapkan melalui No.SK.041/2018/PRESKOM tentang Guidelines, which are stipulated through No.SK.041/2018/
Pedoman Dewan Komisaris Rev 2.0 PT. Bank Sinarmas Tbk. PRESKOM concerning the Board of Commissioners
tertanggal 17 Oktober 2018. Isi pedoman tersebut, terdiri dari: Guidelines Rev 2.0 PT. Bank Sinarmas Tbk., dated October
17, 2018. The contents of the guidelines consist of:
1. Ketentuan Umum; 1. General Provisions;
2. Landasan Hukum; 2. Legal Basis;
3. Keanggotaan; 3. Membership;
4. Masa Jabatan; 4. Term of Office;
5. Pengunduran dan Pemberhentian Dewan Komisaris; 5. Resignation and Dismissal of the Board of Commissioners;
6. Benturan Kepentingan; 6. Conflict of Interest;
7. Rangkap Jabatan; 7. Concurrent Positions;
8. Transparansi Dewan Komisaris; 8. Transparency of the Board of Commissioners;
9. Deskripsi Tugas, Tanggung Jawab Secara Umum; 9. General Description of Duties and Responsibilities;
10. Wewenang;
11. Nilai-nilai;
10. Authority;
11. Values;
251
12. Orientasi Dewan Komisaris; 12. Orientation of the Board of Commissioners;
2024
13. Pelaporan; dan 13. Reporting; and Performance
14. Larangan. 14. Prohibitions. Highlights
Tata Tertib Kerja Dewan Komisaris Charter of the Board of Commissioners Management
Dewan Komisaris juga memiliki tata tertib yang memuat The Board of Commissioners also has a charter that contain Report
berbagai aspek terkait prosedur, kewajiban, dan tanggung various aspects related to procedures, obligations, and
jawab anggota Dewan Komisaris dalam menjalankan responsibilities of members of the Board of Commissioners Company
tugasnya. Tata tertib tersebut diatur dalam Surat Keputusan in carrying out their duties. These rules are regulated in the Profile
Dewan Komisaris No.SK.053/2024/PRESDIR tentang Tata Decree of the Board of Commissioners No.SK.053/2024/
Tertib Kerja Dewan Komisaris versi 3.0, tanggal 16 Agustus PRESDIR concerning the Board of Commissioners Charter
Management
2024. Beberapa ketentuan yang tercantum dalam Tata Tertib version 3.0, dated August 16, 2024. Several provisions Discussion and
Dewan Komisaris, antara lain: contained in the Board of Commissioners Charter include: Analysis
1. Waktu Kerja dan Cuti Dewan Komisaris; 1. Board of Commissioners Working Hours and Leave;
2. Rapat; 2. Meetings; Business
3. Perjalanan Dinas Dewan Komisaris; 3. Official Travel of the Board of Commissioners; Support
4. Kuasa Umum; 4. General Power of Attorney; Overview
5. Pelatihan Dewan Komisaris; 5. Training of the Board of Commissioners;
6. Pakaian; 6. Clothing; CORPORATE
7. Kepatuhan Terhadap Peraturan; dan 7. Compliance with Regulations; and GOVERNANCE
8. Kode Etik. 8. Code of Ethics.
Sustainability
Tugas dan Tanggung Jawab Dewan Komisaris Duties and Responsibilities of the Board of Report
Commissioners
Tugas dan tanggung jawab Dewan Komisaris berdasarkan The duties and responsibilities of the Board of Commissioners
pedoman kerja, yakni: are based on the work guidelines, namely:
1. Dewan Komisaris wajib melaksanakan tugas dan 1. The Board of Commissioners is required to carry out its
tanggung jawab secara independen; duties and responsibilities independently;
2. Dewan Komisaris wajib memastikan penerapan tata 2. The Board of Commissioners must ensure that good
kelola yang baik terselenggara dalam setiap kegiatan governance is implemented in every business activity of
usaha Bank pada seluruh tingkatan atau jenjang the Bank at all levels of the organization;
organisasi;
3. Dewan Komisaris bertugas melakukan pengawasan 3. The Board of Commissioners is tasked with supervising
dan bertanggung jawab atas pengawasan terhadap and is responsible for supervising management policies
kebijakan pengurusan, jalannya pengurusan pada and the course of management in general, both regarding
umumnya, baik mengenai Bank maupun usaha Bank, the Bank and the Bank's business, and providing advice
dan memberi nasihat kepada Direksi; to the Board of Directors;
4. Dewan Komisaris wajib mengarahkan, memantau, dan 4. The Board of Commissioners must direct, monitor, and
mengevaluasi pelaksanaan kebijakan strategis Bank; evaluate the implementation of the Bank's strategic
policies;
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5. Dalam melaksanakan pengawasan, Dewan Komisaris 5. In carrying out supervision, the Board of Commissioners
dilarang ikut serta dalam pengambilan keputusan is prohibited from participating in decision-making on the
kegiatan operasional Bank, kecuali: Bank's operational activities, except:
a. Penyediaan dana kepada pihak terkait sebagaimana a. Provision of funds to related parties as stipulated in
diatur dalam ketentuan mengenai batas maksimum the provisions concerning the legal lending limit for
pemberian kredit bank umum; general bank credit;
b. Hal-hal lain yang ditetapkan dalam anggaran dasar b. Other matters stipulated in the Bank's articles of
Bank atau peraturan perundang-undangan; association or laws and regulations;
6. Pengambilan keputusan kegiatan operasional Bank 6. Decision-making on the Bank's operational activities
oleh Dewan Komisaris merupakan bagian dari tugas by the Board of Commissioners is part of the Board of
pengawasan oleh Dewan Komisaris sehingga tidak Commissioners' supervisory duties, ensuring that it does
meniadakan tanggung jawab Direksi atas pelaksanaan not eliminate the Board of Directors' responsibility for the
kepengurusan Bank; implementation of the Bank's management;
7. Dalam pelaksanaan audit internal, Dewan Komisaris 7. In carrying out internal audits, the Board of Commissioners
bertanggung jawab: is responsible for:
252 a. Memastikan Direksi menyusun dan memelihara
sistem pengendalian internal yang memadai, efektif,
a. Ensuring that the Board of Directors prepares and
maintains an adequate, effective, and efficient
Ikhtisar Kinerja
dan efisien; internal control system;
2024 b. Mengkaji efektivitas dan efisiensi sistem b. Reviewing the effectiveness and efficiency of
pengendalian internal berdasarkan informasi yang the internal control system based on information
Laporan diperoleh dari SKAI paling sedikit sekali dalam 1 obtained from SKAI at least once a year; and
Manajemen tahun; dan
c. Menunjuk pengendalian mutu independen dari c. Appointing independent quality control from external
Profil pihak eksternal untuk melakukan kaji ulang parties to conduct a review of SKAI's performance
Perusahaan
terhadap kinerja SKAI dengan mempertimbangkan by considering the recommendations of the Audit
rekomendasi Komite Audit. Committee.
Analisis dan
Pembahasan 8. Tanggung jawab akhir pengawasan dilakukan oleh 8. The final responsibility for supervision is carried out by
Manajemen Dewan Komisaris, antara lain dengan mengevaluasi the Board of Commissioners, including by evaluating the
hasil temuan pemeriksaan oleh SKAI. Dalam kaitan ini, results of the audit findings by SKAI. In this regard, the
Tinjauan Dewan Komisaris berwenang untuk meminta Direksi Board of Commissioners has the authority to request the
Pendukung
Bisnis
menindaklanjuti hasil temuan pemeriksaan SKAI; Board of Directors to follow up on the results of the SKAI
audit findings;
TATA KELOLA 9. Dewan Komisaris wajib memastikan bahwa Direksi telah 9. The Board of Commissioners is required to ensure that
PERUSAHAAN menindaklanjuti temuan audit dan rekomendasi dari the Board of Directors has followed up on the audit
SKAI, auditor eksternal, hasil pengawasan Otoritas Jasa findings and recommendations from SKAI, external
Laporan Keuangan dan/atau hasil pengawasan otoritas lain; auditors, the results of supervision by the Financial
Keberlanjutan
Services Authority, and/or the results of supervision by
other authorities;
10. Dewan Komisaris wajib melakukan pengawasan 10. The Board of Commissioners is required to supervise the
terhadap pelaksanaan Fungsi Kepatuhan; implementation of the Compliance Function;
11. Dewan Komisaris wajib melakukan pengawasan 11. The Board of Commissioners is required to supervise the
terhadap Fungsi Kepatuhan, dengan: Compliance Function by:
a. Mengawasi pelaksanaan fungsi kepatuhan Bank a. Supervising the implementation of the Bank's
paling sedikit 2 kali dalam 1 (tahun; dan compliance function at least twice a year; and
b. Memberikan saran untuk meningkatkan kualitas b. Providing suggestions to improve the quality of the
pelaksanaan Fungsi Kepatuhan Bank; implementation of the Bank's Compliance Function;
12. Dewan Komisaris paling sedikit melakukan: 12. The Board of Commissioners shall at least carry out:
a. Pengawasan terhadap penerapan pelaksanaan a. Supervision of the implementation of the
kebijakan remunerasi; dan remuneration policy; and
b. Evaluasi secara berkala atas kebijakan remunerasi b. Periodic evaluation of the remuneration policy based
atas dasar hasil pengawasan sebagaimana dimaksud on the results of supervision as referred to in letter a;
huruf a;
13. Dewan Komisaris wajib melakukan pengawasan secara 13. The Board of Commissioners shall actively supervise the
aktif terhadap pelaksanaan kebijakan restrukturisasi implementation of the credit restructuring policy;
kredit;
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14. Dalam kondisi tertentu, Dewan Komisaris wajib 14. Under certain conditions, the Board of Commissioners
menyelenggarakan RUPS Tahunan dan RUPS lainnya shall hold an Annual GMS and other GMS in accordance
sesuai dengan kewenangannya sebagaimana diatur with its authority as stipulated in laws and regulations
dalam peraturan perundang-undangan dan Anggaran and the Articles of Association;
Dasar;
15. Anggota Dewan Komisaris wajib melaksanakan tugas 15. Members of the Board of Commissioners shall carry out
dan tanggung jawabnya dengan itikad baik, penuh their duties and responsibilities in good faith, with full
tanggung jawab dan kehati-hatian; responsibility and prudence;
16. Dalam rangka mendukung efektivitas pelaksanaan tugas 16. In order to support the effectiveness of the
dan tanggung jawab, Dewan Komisaris wajib membentuk implementation of duties and responsibilities, the Board
paling sedikit: of Commissioners shall form at least:
a. Komite Audit; a. Audit Committee;
b. Komite Pemantau Risiko; dan b. Risk Monitoring Committee; and
c. Komite Remunerasi dan Nominasi; c. Remuneration and Nomination Committee;
17. Dewan Komisaris wajib memastikan bahwa komite yang 17. The Board of Commissioners shall ensure that the
telah dibentuk menjalankan tugas secara efektif; committees that have been formed carry out their duties
effectively;
253
18. Setiap Dewan Komisaris bertanggung jawab secara 18. Each Board of Commissioners is jointly and severally
2024
tanggung renteng (kolegial) atas kerugian Bank yang liable for the Bank's losses caused by the errors or Performance
disebabkan oleh kesalahan atau kelalaian anggota negligence of members of the Board of Commissioners Highlights
Dewan Komisaris dalam menjalankan tugasnya; in carrying out their duties;
19. Anggota Dewan Komisaris tidak dapat 19. Members of the Board of Commissioners cannot be held Management
dipertanggungjawabkan atas kerugian Bank apabila responsible for the Bank's losses if they can prove: Report
dapat membuktikan:
a. Kerugian tersebut bukan karena kesalahan atau a. The loss was not due to their error or negligence; Company
kelalaiannya; Profile
b. Telah melakukan pengurusan dengan itikad baik, b. They have carried out management in good faith,
penuh tanggung jawab, dan kehati-hatian untuk with full responsibility, and with prudence for the
Management
kepentingan dan sesuai dengan maksud dan tujuan interests and in accordance with the purpose and Discussion and
Perseroan; objective of the Company; Analysis
c. Tidak mempunyai benturan kepentingan baik c. They do not have a conflict of interest, either directly
langsung maupun tidak langsung atas tindakan or indirectly, regarding management actions that Business
pengurusan yang mengakibatkan kerugian; result in losses; Support
d. Telah mengambil tindakan untuk mencegah timbul d. They have taken action to prevent the occurrence or Overview
atau berlanjutnya kerugian tersebut. continuation of such losses.
CORPORATE
Tugas dan Tanggung Jawab Komisaris Utama Duties and Responsibilities of the President GOVERNANCE
Commissioner
Tugas dan tanggung Jawab Komisaris Utama Bank Sinarmas, The duties and responsibilities of the President Commissioner Sustainability
yakni: of Bank Sinarmas are: Report
1. Mengoordinasikan pelaksanaan tugas dan tanggung 1. Coordinating the implementation of the duties and
jawab Dewan Komisaris; responsibilities of the Board of Commissioners;
2. Memimpin rapat Dewan Komisaris; 2. Chairing the Board of Commissioners meeting;
3. Memimpin RUPS; 3. Chairing the GMS;
4. Menyampaikan Laporan Pengawasan untuk 4. Submitting the Supervisory Report to obtain approval
mendapatkan persetujuan RUPS Tahunan atas from the Annual GMS for the implementation of the
pelaksanaan tugas dan pengawasan Dewan Komisaris. duties and supervision of the Board of Commissioners.
5. Memastikan bahwa pelaksanaan tanggung jawab Dewan 5. Ensuring that the implementation of the Board of
Komisaris telah dilaksanakan sesuai prosedur. Commissioners' responsibilities has been carried out in
accordance with procedures.
6. Memastikan bahwa rapat Dewan Komisaris melakukan 6. Ensuring that the Board of Commissioners meeting
pengambilan keputusan secara efektif berdasarkan makes decisions effectively based on correct and
informasi yang benar dan lengkap, termasuk memastikan complete information, including ensuring that:
bahwa:
a. Semua isu-isu strategis dan penting menjadi bahan a. All strategic and important issues are considered by
pertimbangan oleh Dewan Komisaris; the Board of Commissioners;
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b. Permasalahan yang ada dibahas dengan seksama b. Existing problems are discussed carefully and
dan teliti; thoroughly;
c. Semua anggota Dewan Komisaris diberi kesempatan c. All members of the Board of Commissioners are
untuk berkontribusi secara efektif; given the opportunity to contribute effectively;
d. Setiap Komisaris menerima informasi yang relevan d. Each Commissioner receives relevant information
secara tepat waktu, termasuk diberi penjelasan in a timely manner, including being given a brief
singkat mengenai isu-isu yang akan dibahas dalam explanation of the issues to be discussed in the
rapat Dewan Komisaris; Board of Commissioners meeting;
e. Rapat Dewan Komisaris menghasilkan keputusan- e. The Board of Commissioners meeting produces
keputusan yang jelas dan dicatat dalam notulen clear resolutions and is recorded in the minutes of
rapat; dan the meeting; and
7. Melakukan evaluasi akhir dengan mempertimbangkan 7. Conduct a final evaluation by considering the
rekomendasi Komite Remunerasi dan Nominasi, atas recommendations of the Remuneration and Nomination
hasil penilaian kinerja kolegial Dewan Komisaris dan Committee on the results of the collegial performance
komitenya serta penilaian kinerja individu atas setiap assessment of the Board of Commissioners and its
254 anggota Dewan Komisaris dan anggota komite-
komitenya.
committees as well as the individual performance
assessment of each member of the Board of
Ikhtisar Kinerja
Commissioners and members of its committees.
2024
Wewenang Dewan Komisaris Authority of the Board of Commissioners
Laporan Wewenang yang dimiliki oleh Dewan Komisaris dalam The authority held by the Board of Commissioners
Manajemen mendukung pelaksanaan tugas dan tanggung jawabnya, in supporting the implementation of its duties and
antara lain: responsibilities, among others:
Profil 1. Dewan Komisaris berwenang memberhentikan 1. The Board of Commissioners has the authority to
Perusahaan
sementara anggota Direksi dengan menyebutkan temporarily dismiss members of the Board of Directors
alasannya; by stating the reasons;
Analisis dan
Pembahasan 2. Dewan Komisaris dapat melakukan tindakan pengurusan 2. The Board of Commissioners can take actions to manage
Manajemen Bank dalam keadaan tertentu untuk jangka waktu the Bank in certain circumstances for a certain period of
tertentu; time;
Tinjauan 3. Wewenang sebagaimana dimaksud pada poin 2 3. The authority as referred to in point 2 is determined
Pendukung
Bisnis
ditetapkan berdasarkan Anggaran Dasar atau keputusan based on the Articles of Association or the decision of
RUPS. the GMS.
TATA KELOLA
PERUSAHAAN Keputusan yang Perlu Mendapat Persetujuan Decisions Requiring Approval from the Board of
Dewan Komisaris Commissioners
Laporan Berdasarkan Peraturan Otoritas Jasa Keuangan No. 17 tahun Based on Financial Services Authority Regulation No. 17 of
Keberlanjutan 2023 tentang Penerapan Tata Kelola bagi Bank Umum, 2023 concerning the Implementation of Governance for
Dewan Komisaris diperbolehkan mengambil keputusan Commercial Banks, the Board of Commissioners is permitted
terkait: to make decisions related to:
1. Penyediaan dana kepada pihak terkait sesuai dengan 1. Provision of funds to related parties in accordance with
Peraturan Otoritas Jasa Keuangan mengenai batas the Financial Services Authority Regulation concerning
maksimum pemberian kredit dan penyediaan dana the legal lending limit for providing credit and the
besar bagi bank umum dan Peraturan Otoritas Jasa provision of large funds for commercial banks and the
Keuangan mengenai batas maksimum penyaluran dana Financial Services Authority Regulation concerning
dan penyaluran dana besar bagi bank umum syariah; the legal lending limit for channeling funds and the
dan distribution of large funds for Islamic commercial banks;
and
2. Hal lain yang ditetapkan dalam Anggaran Dasar Bank 2. Other matters stipulated in the Bank's Articles of
atau ketentuan peraturan perundang-undangan. Association or provisions of laws and regulations.
Kriteria Anggota Dewan Komisaris Criteria for Members of the Board of
Commissioners
Kriteria keanggotaan Dewan Komisaris Bank Sinarmas, yakni: The criteria for membership of the Board of Commissioners
1. Bank wajib memiliki anggota Dewan Komisaris dengan of Bank Sinarmas are:
jumlah paling sedikit 3 orang dan paling banyak sama 1. The Bank must have a Board of Commissioners with a
dengan jumlah anggota Direksi; minimum of 3 members and a maximum of the same
number of members as the Board of Directors;
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2. Anggota Dewan Komisaris harus memenuhi persyaratan 2. Members of the Board of Commissioners must meet
penilaian kemampuan dan kepatutan sesuai Peraturan the requirements for a fit and proper assessment
Otoritas Jasa Keuangan mengenai Penilaian Kemampuan in accordance with the Financial Services Authority
dan Kepatutan bagi Pihak Utama Lembaga Jasa Regulation concerning the Fit and Proper Assessment
Keuangan; for Main Parties of Financial Services Institutions;
3. Anggota Dewan Komisaris paling sedikit 1 orang wajib 3. At least 1 member of the Board of Commissioners must
berdomisili di Indonesia; be domiciled in Indonesia;
4. Dewan Komisaris wajib dipimpin oleh Presiden Komisaris 4. The Board of Commissioners must be led by the
atau Komisaris Utama; President Commissioner;
5. Dewan Komisaris wajib terdiri dari Komisaris Independen 5. The Board of Commissioners must consist of Independent
dan Komisaris Non-Independen; Commissioners and Non-Independent Commissioners;
6. Komisaris Independen wajib paling sedikit berjumlah 6. Independent Commissioners must be at least 50% of the
50%dari jumlah anggota Dewan Komisaris; total number of members of the Board of Commissioners;
7. Anggota Dewan Komisaris adalah orang perseorangan 7. Members of the Board of Commissioners are individuals
yang memenuhi persyaratan pada saat diangkat dan who meet the following requirements at the time of
selama menjabat:
a. Mempunyai akhlak, moral dan integritas yang baik;
appointment and during their term of office:
a. Have good morals, ethics, and integrity;
255
b. Cakap melakukan perbuatan hukum; b. Capable of carrying out legal acts;
2024
c. Dalam 5 tahun sebelum pengangkatan dan selama c. In the 5 years prior to appointment and during their Performance
menjabat: term of office: Highlights
1) Tidak pernah dinyatakan pailit; 1) Has never been declared bankrupt;
2) Tidak pernah menjadi anggota Direksi dan/atau 2) Has never been a member of the Board of Management
Dewan Komisaris yang dinyatakan bersalah Directors and/or Board of Commissioners who Report
menyebabkan suatu perusahaan dinyatakan was found guilty of causing a company to be
pailit; declared bankrupt; Company
3) Tidak pernah dihukum karena melakukan tindak 3) Has never been convicted of committing a crime Profile
pidana yang merugikan keuangan negara dan/ that harmed state finances and/or related to the
atau yang berkaitan dengan sektor keuangan; financial sector; and
Management
dan Discussion and
4) Tidak pernah menjadi anggota Direksi dan/ 4) Has never been a member of the Board of Analysis
atau anggota Dewan Komisaris yang selama Directors and/or member of the Board of
menjabat: Commissioners who, during their term of office: Business
a) Pernah tidak menyelenggarakan RUPS a) Has never held an annual GMS; Support
tahunan; Overview
b) Pertanggungjawabannya sebagai anggota b) His/her accountability as a member of the
Direksi dan/atau anggota Dewan Komisaris Board of Directors and/or member of the CORPORATE
pernah tidak diterima oleh RUPS atau pernah Board of Commissioners has never been GOVERNANCE
tidak memberikan pertanggungjawaban accepted by the GMS or he/she has never
sebagai anggota Direksi dan/atau anggota provided accountability as a member of the Sustainability
Dewan Komisaris kepada RUPS; Board of Directors and/or member of the Report
Board of Commissioners to the GMS;
c) Pernah menyebabkan perusahaan yang c) Has ever caused a company that has
memperoleh izin, persetujuan atau obtained a permit, approval, or registration
pendaftaran dari Otoritas Jasa Keuangan from the Financial Services Authority to fail to
tidak memenuhi kewajiban menyampaikan fulfill its obligation to submit an annual report
laporan tahunan dan/atau laporan keuangan and/or financial statement to the Financial
kepada Otoritas Jasa Keuangan. Services Authority.
d. Memiliki komitmen untuk mematuhi peraturan d. Has a commitment to comply with laws and
perundang-undangan; regulations;
e. Memiliki pengetahuan dan/atau keahlian di bidang e. Has knowledge and/or expertise in the field required
yang dibutuhkan Bank; by the Bank;
8. Selain memenuhi ketentuan pada poin 7, Komisaris 8. In addition to fulfilling the provisions in point 7,
Independen wajib memenuhi persyaratan sebagai Independent Commissioners must meet the following
berikut: requirements:
a. Bukan merupakan orang yang bekerja atau a. Is not a person who works or has the authority and
mempunyai wewenang dan tanggung jawab untuk responsibility to plan, lead, control, or supervise
merencanakan, memimpin, mengendalikan, atau the Bank's activities in the last 6 months, except for
Laporan Tahunan & Keberlanjutan
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mengawasi kegiatan Bank dalam waktu 6 bulan reappointment as an Independent Commissioner of
terakhir, kecuali untuk pengangkatan kembali the Bank in the following period;
sebagai Komisaris Independen Bank pada periode
berikutnya;
b. Tidak mempunyai saham baik langsung maupun b. Does not have shares either directly or indirectly in
tidak langsung pada Bank; the Bank;
c. Tidak mempunyai hubungan afiliasi dengan Bank, c. Does not have an affiliated relationship with the
anggota Dewan Komisaris, anggota Direksi, atau Bank, members of the Board of Commissioners,
Pemegang Saham utama Bank; members of the Board of Directors, or the Bank's
main Shareholders;
d. Tidak mempunyai hubungan usaha baik langsung d. Does not have any direct or indirect business
maupun tidak langsung yang berkaitan dengan relationship related to the Bank's business activities;
kegiatan usaha Bank;
9. Mantan anggota Direksi atau Pejabat Eksekutif Bank 9. Former members of the Board of Directors or Executive
atau pihak-pihak yang mempunyai hubungan dengan Officers of the Bank or parties who have a relationship
256 Bank, yang dapat memengaruhi kemampuan yang
bersangkutan untuk bertindak independen wajib
with the Bank, which may affect the ability of the person
concerned to act independently, must undergo a
Ikhtisar Kinerja
menjalani masa tunggu (cooling off) paling singkat 1 cooling-off period of at least 1 year prior becoming an
2024 tahun sebelum menjadi Komisaris Independen Bank; Independent Commissioner of the Bank;
10. Ketentuan pada poin 9 tidak berlaku bagi mantan anggota 10. The provisions in point 9 do not apply to former
Laporan Direksi yang membawahkan fungsi pengawasan atau members of the Board of Directors who are in charge of
Manajemen Pejabat Eksekutif yang melakukan fungsi pengawasan supervisory functions or Executive Officers who carry out
pada Bank; supervisory functions at the Bank;
Profil 11. Komisaris Non Independen dapat beralih menjadi 11. Non-Independent Commissioners can switch to
Perusahaan
Komisaris Independen setelah memenuhi persyaratan become Independent Commissioners after fulfilling the
sebagai Komisaris Independen; requirements as Independent Commissioners;
Analisis dan
Pembahasan 12. Komisaris Non Independen yang akan beralih menjadi 12. Non-Independent Commissioners who will switch to
Manajemen Komisaris Independen wajib menjalani masa tunggu become Independent Commissioners are required to
(cooling off) paling singkat 6 bulan; dan undergo a cooling-off period of at least 6 months; and
Tinjauan 13. Peralihan dari Komisaris Non Independen menjadi 13. The transition from Non-Independent Commissioner to
Pendukung
Bisnis
Komisaris Independen wajib memperoleh persetujuan Independent Commissioner must obtain approval from
Otoritas Jasa Keuangan. the Financial Services Authority.
TATA KELOLA
PERUSAHAAN Komposisi Dewan Komisaris Composition of the Board of Commissioners
Komposisi Dewan Komisaris Bank Sinarmas disesuaikan The composition of the Board of Commissioners of Bank
Laporan dengan ketentuan Peraturan Otoritas Jasa Keuangan No. Sinarmas is adjusted to the provisions of the Financial Services
Keberlanjutan 17 tahun 2023 dan Surat Edaran Otoritas Jasa Keuangan Authority Regulation No. 17 of 2023 and the Financial Services
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Authority Circular Letter No. 13/SEOJK.03/2017 concerning
Bank Umum. Pada tahun 2024, tidak terdapat perubahan the Implementation of Governance for Commercial Banks.
komposisi Dewan Komisaris, sebagaimana diungkapkan In 2024, there were no changes to the composition of the
berikut. Board of Commissioners, as disclosed below.
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Pertama kali diangkat sebagai Komisaris Utama berdasarkan 2023-2026
Keputusan RUPS Luar Biasa per tanggal 21 Desember 2009 dan efektif
menjabat sejak 20 April 2010 dengan akhir periode jabatan hingga
Komisaris Utama
dilaksanakannya RUPS Tahunan 2026.
Tjendrawati Widjaja President
Appointed as President Commissioner for the first time based on the
Commissioner
Resolution of the Extraordinary GMS dated December 21, 2009, and
effectively served since April 20, 2010, with the end of the term of
office until the implementation of the 2026 Annual GMS.
Pertama kali diangkat sebagai Komisaris Independen berdasarkan 2023-2026
Keputusan RUPS Luar Biasa per tanggal 15 Juni 2012 dan efektif
menjabat sejak 3 Juli 2012 dengan akhir periode jabatan hingga
Komisaris Independen
dilaksanakannya RUPS Tahunan 2026.
Sammy Kristamuljana Independent
Appointed as Independent Commissioner for the first time based on
Commissioner
the Resolution of the Extraordinary GMS dated June 15, 2012, and
effectively served since July 3, 2012, with the end of the term of office
until the implementation of the 2026 Annual GMS.
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Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Pertama kali diangkat sebagai Komisaris Independen berdasarkan 2023-2026
Keputusan RUPS Luar Biasa per tanggal 13 Juni 2014 dan efektif
menjabat sejak 19 Juni 2014 dengan akhir periode jabatan hingga
Komisaris Independen
dilaksanakannya RUPS Tahunan 2026.
Rusmin Independent
Appointed as Independent Commissioner for the first time based on
Commissioner
the Resolution of the Extraordinary GMS dated June 13, 2014, and
effectively served since June 19, 2014, with the end of the term of office
until the implementation of the 2026 Annual GMS.
Kriteria Khusus Dewan Komisaris: Penilaian Special Criteria for the Board of Commissioners:
Kemampuan dan Kepatutan Fit and Proper Test
Bank memastikan bahwa semua anggota Dewan Komisaris The Bank ensures that all members of the Board of
telah lulus penilaian kemampuan dan kepatutan (fit and Commissioners have passed the fit and proper test. This
proper test). Komitmen ini merupakan wujud kepatuhan commitment is a manifestation of the Bank’s compliance with
Bank terhadap Peraturan Otoritas Jasa Keuangan No. 27/ Financial Services Authority Regulation No. 27/POJK.03/2016
POJK.03/2016 Penilaian Kemampuan dan Kepatutan bagi
Pihak Utama Lembaga Jasa Keuangan. Informasi mengenai
on Fit and Proper Test for Main Parties of Financial Services
Institutions. Information regarding the results of the fit and
257
hasil fit and proper test Dewan Komisaris Bank Sinarmas proper test for the Board of Commissioners of Bank Sinarmas
2024
diungkapkan pada tabel berikut. is disclosed in the following table. Performance
Highlights
Nama Jabatan Pelaksana No. Surat Tanggal Hasil
Name Position Implementation Letter No. Date Result
Management
Tjendrawati Widjaja Komisaris Utama Bank Indonesia 12/44/GB/DPIP/Rahasia 20 April 2010 Lulus Report
President April 20, 2010 Passed
Commissioner
Sammy Kristamuljana Komisaris Independen Bank Indonesia 14/61/GBI/DPIP/Rahasia 3 Juli 2012 Lulus Company
Independent July 3, 2012 Passed Profile
Commissioner
Rusmin Komisaris Independen Otoritas Jasa Keuangan 14/61/GBI/DPIP/Rahasia 19 Juni 2014 Lulus
Management
Independent Financial Service Authority June 19, 2014 Passed
Discussion and
Commissioner
Analysis
Rangkap Jabatan Dewan Komisaris Concurrent Positions of the Board of Business
Commissioners Support
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. In accordance with the provisions of the Financial Services Overview
17 tahun 2023 tentang Penerapan Tata Kelola bagi Bank Authority Regulation No. 17 of 2023 concerning the
Umum, Dewan Komisaris Bank Sinarmas diperkenankan Implementation of Governance for Commercial Banks, the CORPORATE
untuk merangkap jabatan dengan memperhatikan beberapa Board of Commissioners of Bank Sinarmas is permitted to GOVERNANCE
hal, yakni: hold concurrent positions by considering several things,
namely: Sustainability
1. Anggota Dewan Komisaris menjabat sebagai anggota 1. Members of the Board of Commissioners serve as Report
Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif members of the Board of Directors, members of the
yang melaksanakan fungsi pengawasan pada 1 Entitas Board of Commissioners, or Executive Officers who carry
Anak bukan bank yang dikendalikan oleh Bank; out supervisory functions in 1 non-bank Subsidiary Entity
controlled by the Bank;
2. Komisaris Non-Independen menjalankan tugas 2. Non-Independent Commissioners carry out functional
fungsional dari Pemegang Saham Bank yang berbentuk duties from the Bank’s Shareholders in the form of legal
badan hukum pada kelompok usaha Bank; dan/atau entities in the Bank’s business group; and/or
3. Anggota Dewan Komisaris menduduki jabatan pada 3. Members of the Board of Commissioners hold positions
organisasi atau lembaga nirlaba. in non-profit organizations or institutions.
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Rangkap Jabatan Dewan Komisaris di Perusahaan Lain
Concurrent Position of Board of Commissioners in Other Companies
Perusahaan/Lembaga Lain
Other Companies/Institutions
Nama Jabatan di Bank Sinarmas
Name Positions at Bank Sinarmas Bidang Usaha
Jabatan Institusi
Line of
Position Institution
Business
Komisaris Utama Nihil Nihil Nihil
Tjendrawati Widjaja
President Commissioner Nil Nil Nil
Komisaris Independen Nihil Nihil Nihil
Sammy Kristamuljana
Independent Commissioner Nil Nil Nil
Komisaris Independen Nihil Nihil Nihil
Rusmin
Independent Commissioner Nil Nil Nil
Rangkap Jabatan Dewan Komisaris dalam Komite Bank Sinarmas
Concurrent Position of the Board of Commissioners in the Bank Sinarmas Committee
258 Nama
Name
Jabatan di Bank Sinarmas
Positions at Bank Sinarmas
Jabatan di Komite Bank Sinarmas
Position in the Committee ofBank Sinarmas
Tjendrawati Widjaja Komisaris Utama - Anggota Komite Pemantau Risiko
Ikhtisar Kinerja President Commissioner - Anggota Komite Remunerasi dan Nominasi
2024 - Member of the Risk Monitoring Committee
- Member of the Remuneration and Nomination Committee
Laporan Sammy Kristamuljana Komisaris Independen - Ketua Komite Audit
Manajemen Independent Commissioner - Ketua Komite Tata Kelola Terintegrasi
- Chairman of the Audit Committee
- Chairman of the Integrated Governance Committee
Profil
Perusahaan Rusmin Komisaris Independen - Ketua Komite Pemantau Risiko
Independent Commissioner - Ketua Komite Remunerasi & Nominasi
- Chairman of the Risk Monitoring Committee
Analisis dan - Chairman of the Remuneration & Nomination Committee
Pembahasan
Manajemen
Pengelolaan Benturan Kepentingan Dewan Management of Conflict of Interest of the Board
Tinjauan Komisaris [GRI 2-15] of Commissioners [GRI 2-15]
Pendukung
Bisnis
Benturan kepentingan terjadi ketika kepentingan ekonomi A conflict of interest occurs when the Bank’s economic
Bank bertentangan dengan kepentingan ekonomis pribadi. interests conflict with personal economic interests. Therefore,
TATA KELOLA Maka dari itu, setiap anggota Dewan Komisaris wajib: each member of the Board of Commissioners must:
PERUSAHAAN 1. Mengutamakan kepentingan Perseroan dan tidak 1. Prioritize the interests of the Company and not harm the
mengurangi keuangan Perseroan dalam hal terjadi Company’s finances in the event of a conflict of interest;
Laporan benturan kepentingan;
Keberlanjutan 2. Menghindari diri dari pengambilan keputusan dalam 2. Avoid making decisions in situations and conditions
situasi dan kondisi adanya benturan kepentingan; where there is a conflict of interest;
3. Melakukan pengungkapan hubungan kekeluargaan, 3. Disclosing familial relationships, financial relationships,
hubungan keuangan, hubungan kepengurusan, management relationships, and ownership relationships
hubungan kepemilikan dengan Anggota Komisaris lain with other Commissioners and/or members of the Board
dan/atau anggota Direksi dan/atau Pemegang Saham of Directors and/or controlling Shareholders of the Bank
pengendali bank dan atau pihak lainnya dalam rangka and/or other parties in the context of the Company’s
bisnis Perseroan; dan business; and
4. Melakukan pengungkapan dalam hal pengambilan 4. Disclosing in cases where decisions must still be taken in
keputusan tetap harus diambil pada kondisi adanya conditions where there is a conflict of interest.
benturan kepentingan.
Orientasi bagi Dewan Komisaris Orientation for the Board of Commissioners
Bank Sinarmas menyelenggarakan program orientasi Bank Sinarmas organizes a special orientation program for
khusus bagi Dewan Komisaris yang baru diangkat dengan newly appointed Board of Commissioners with the following
ketentuan sebagai berikut. provisions.
1. Program orientasi bagi anggota Dewan Komisaris yang 1. The orientation program for new members of the
baru bertujuan untuk memberikan arahan kepada Board of Commissioners aims to provide direction to
anggota Dewan Komisaris baru agar memperoleh new members of the Board of Commissioners to gain
pemahaman tentang Bank sehingga dapat menunjang an understanding of the Bank, ensuring that they can
efektivitas pelaksanaan tugas dan tanggung jawabnya support the effectiveness of carrying out their duties and
sebagai Dewan Komisaris. responsibilities as Board of Commissioners.
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2. Dalam program orientasi, Komisaris baru akan mendapat 2. In the orientation program, new Commissioners will gain
pengetahuan tentang Bank antara lain visi, misi, knowledge about the Bank, including the vision, mission,
objektif jangka panjang, Rencana Bisnis Bank, Laporan long-term objectives, Bank Business Plan, Financial
Keuangan, Laporan Tahunan dan kebijakan-kebijakan Statement, Annual Report, and policies related to the
terkait Dewan Komisaris. Board of Commissioners.
3. Dokumen program orientasi dipersiapkan oleh 3. The orientation program document is prepared by the
Corporate Secretary. Corporate Secretary.
Pada tahun 2024, program orientasi tidak diselenggarakan In 2024, the orientation program was not held due to the
sehubungan dengan tidak terdapatnya anggota baik Dewan absence of new members of the Board of Commissioners.
Komisaris baru.
Sertifikasi Manajemen Risiko Risk Management Certification
Bank Sinarmas memastikan bahwa seluruh Dewan Komisaris Bank Sinarmas ensures that the entire Board of
telah mendapatkan Sertifikasi Manajemen Risiko sebagai Commissioners has obtained Risk Management Certification
syarat mengikuti fit and proper test, sesuai peraturan Otoritas as a requirement to participate in the fit and proper test, in
Jasa Keuangan. Penyelenggaraan Penyegaran (refreshment)
Sertifikasi Manajemen Risiko dilakukan terhitung sejak
accordance with the regulations of the Financial Services
Authority. The implementation of Risk Management
259
Sertifikat Manajemen Risiko terakhir diterbitkan. Certification refreshment is conducted since the last Risk
2024
Management Certificate was issued. Performance
Highlights
Kebijakan refreshment juga ditetapkan oleh Surat Edaran The refreshment policy is also stipulated by the Circular
Otoritas Jasa Keuangan Nomor 28/SEOJK.03/2022 tentang Letter of the Financial Services Authority Number 28/ Management
Sertifikasi Manajemen Risiko Bagi Sumber Daya Manusia SEOJK.03/2022 concerning Risk Management Certification Report
Bank Umum. Regulasi ini menegaskan bahwa program for Human Resources of Commercial Banks. This regulation
refreshment 1 (satu) kali dalam 1 (satu) tahun. Program confirms that the refreshment program is 1 (one) time in Company
refreshment ini sekaligus memperpanjang masa berlaku 1 (one) year. This refreshment program also extends the Profile
sertifikasi manajemen risiko. validity period of risk management certification.
Management
Informasi terkait refreshment yang telah diikuti Dewan Information related to the refreshment that has been followed Discussion and
Komisaris, diungkapkan pada tabel berikut. by the Board of Commissioners is disclosed in the following Analysis
table.
Business
Nama Jabatan Refreshment Terakhir Tema Refreshment Support
Overview
Komisaris Utama
3 November 2023
Tjendrawati Widjaja President Strengthen 4 Pillar Risk Management Toward Sustainable Bank
November 3, 2023
Commissioner
CORPORATE
Komisaris Independen Accelerating Inclusive Digital Economy Transformation and GOVERNANCE
1 Desember 2023
Sammy Kristamuljana Independent Sustainability Economic Growth (and impact on Risk Based Bank
December 1, 2023
Commissioner Rating and Risk Appetite)
Komisaris Independen Accelerating Inclusive Digital Economy Transformation and Sustainability
1 Desember 2023 Report
Rusmin Independent Sustainability Economic Growth (and impact on Risk Based Bank
December 1, 2023
Commissioner Rating and Risk Appetite)
Mekanisme Pengunduran Diri dan Resignation and Dismissal Mechanism of the
Pemberhentian Dewan Komisaris Board of Commissioners
Sesuai Anggaran Dasar Bank Sinarmas yang mengatur According to Bank Sinarmas’ Articles of Association, which
mekanisme pengunduran diri dan pemberhentian Dewan regulate the resignation and dismissal mechanism of the
Komisaris, jabatan Dewan Komisaris akan berakhir apabila: Board of Commissioners, the term of office of the Board of
Commissioners will end if:
1. Mengundurkan diri sesuai dengan ketentuan Anggaran 1. Resigns in accordance with the provisions of the Articles
Dasar; of Association;
2. Tidak lagi memenuhi persyaratan Peraturan Otoritas 2. No longer meets the requirements of the Financial
Jasa Keuangan dan Peraturan Perundang-undangan Services Authority Regulations and other Laws and
lainnya; Regulations;
3. Meninggal dunia; dan 3. Deceased; and
4. Diberhentikan berdasarkan keputusan RUPS. 4. Dismissed based on a resolution of the GMS.
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Fokus Pengawasan Dewan Komisaris Tahun Focus of Supervision of the Board of
2024 Commissioners in 2024
Selama tahun 2024, fokus pengawasan Dewan Komisaris In 2024, the focus of supervision of the Board of
yang mencakup beberapa aspek penting, meliputi: Commissioners covers several important aspects, including:
1. Menganalisis, memberi masukan, dan bersama sama 1. Analyze, provide input, and, together with the Board
Direksi menyetujui Rencana Bisnis Bank (RBB) termasuk of Directors, approve the Bank’s Business Plan (RBB),
melakukan pengkajian dan persetujuan perubahan RBB including conducting a review and approval of changes
untuk disampaikan kepada OJK sesuai dengan waktu to the RBB to be submitted to the OJK in accordance
yang telah ditetapkan OJK. with the time set by the OJK.
2. Pengawasan terhadap pelaksanaan RBB yang 2. Supervision of the implementation of the RBB, which
dilaporkan kepada OJK secara berkala melalui laporan is reported to the OJK periodically through the RBB
pengawasan RBB. supervision report.
3. Memantau, menganalisis dan memberi masukan atas 3. Monitor, analyze, and provide input on the Bank’s
rencana strategis Bank. strategic plan.
4. Melakukan kajian secara berkala atas kinerja keuangan 4. Conducting periodic reviews of the Bank’s financial
260 Bank, dalam setiap rapat Dewan Komisaris bersama
Direksi dan/atau rapat komite-komitenya juga
performance in every meeting of the Board of
Commissioners together with the Board of Directors
Ikhtisar Kinerja
mengundang unit-unit bisnis untuk menyampaikan and/or meetings of its committees, also inviting business
2024 kinerja masing-masing. units to submit their respective performances.
5. Sejalan dengan regulasi yang berlaku, melakukan 5. In line with applicable regulations, conducting active
Laporan pengawasan aktif terhadap manajemen risiko, termasuk supervision of risk management, including conducting
Manajemen melakukan self-assessment tingkat Kesehatan Bank self-assessment of the Bank’s Soundness level using
menggunakan Risk Based-Bank Rating (RBBR). Pada the Risk-Based Bank Rating (RBBR). In 2024, through the
Profil tahun 2024, melalui Komite Pemantau Risiko, memantau Risk Monitoring Committee, monitor risk management,
Perusahaan
pengelolaan risiko, kualitas aktiva, status kesehatan asset quality, Bank health status, and stress test results
Bank, dan hasil stress test serta kecukupan mengkaji and the adequacy of reviewing the Bank’s required risk
Analisis dan
Pembahasan kebijakan manajemen risiko Bank yang diwajibkan management policies, including the Funding Contingency
Manajemen termasuk kebijakan Rencana Kontijensi Pendanaan, Plan policy, and evaluate the suitability between risk
mengevaluasi kesesuaian antara kebijakan manajemen management policies and policy implementation.
Tinjauan risiko dengan pelaksanaan kebijakan.
Pendukung
Bisnis
6. Memastikan bahwa Direksi telah menindaklanjuti temuan 6. Ensure that the Board of Directors has followed up on
audit dan rekomendasi dari Satuan Kerja Audit Internal audit findings and recommendations from the Internal
TATA KELOLA (SKAI), termasuk perbaikan terhadap hasil temuan Audit Work Unit (SKAI), including improvements to the
PERUSAHAAN pemeriksaan auditor eksternal maupun regulator. results of external auditor and regulator audit findings.
7. Melakukan pengkajian atas: (i) laporan pengawasan 7. Conduct reviews of (i) supervisory reports every semester
Laporan setiap semester dan (ii) laporan assessment GCG, dan and (ii) GCG assessment reports, and approve several
Keberlanjutan menyetujui beberapa kebijakan internal yang memerlukan internal policies that require approval up to the Board of
persetujuan hingga tingkat Dewan Komisaris. Commissioners level.
8. Memantau risiko operasional Bank yang meliputi kredit 8. Monitor the Bank’s operational risks, including non-
bermasalah (Non-Performing Loan – NPL), impaired performing loans (NPL), impaired loans, and fraud.
loans, dan fraud.
9. Melakukan pengkajian dan persetujuan atas Recovery Plan 9. Conduct reviews and approvals of the Recovery Plan and
dan Resolusi Plan yang telah disampaikan kepada OJK. Resolution Plan that have been submitted to the OJK.
10. Pada tahun 2024, Dewan Komisaris telah memberikan 10. In 2024, the Board of Commissioners approved the
persetujuan atas rekomendasi Komite Nominasi dan recommendation of the Nomination and Remuneration
Remunerasi untuk disampaikan kepada RUPS yaitu Committee to be submitted to the GMS, namely the
pengangkatan Sdri. Amandalia Johanes sebagai Direktur appointment of Ms. Amandalia Johanes as Director of
Perseroan. the Company.
11. Terkait Sumber Daya Manusia (SDM), Dewan Komisaris 11. Regarding Human Resources (HR), the Board
melalui Komite Nominasi dan Remunerasi memantau of Commissioners, through the Nomination and
kebijakan manpower dan fungsi manajemen SDM yang Remuneration Committee, monitors manpower policies
mengandung risiko serta berdampak signifikan pada and HR management functions that contain risks and
Bank, dan melakukan pengawasan dalam penerapan have a significant impact on the Bank and supervises the
manajemen risiko terkait alih daya. implementation of risk management related to outsourcing.
12. Melalui Komite Audit melakukan reviu atas laporan 12. Through the Audit Committee, reviewing financial
keuangan mencakup penyajian laporan keuangan, statements includes presentation of financial statements,
perlakuan akuntansi dan kesesuaiannya dengan prinsip accounting treatment and its conformity with generally
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 263
akuntansi yang berlaku umum, reviu ataslaporan publikasi accepted accounting principles, reviewing published
dan pelaporan kepada otoritas, serta melakukan evaluasi reports and reporting to authorities, and evaluating the
atas pelaksanaan fungsi kepatuhan di Bank. implementation of compliance functions in the Bank.
13. Fungsi pengawasan risiko telah dijalankan melalui 13. The risk monitoring function has been carried out
Komite Pemantau Risiko yang memberikan rekomendasi through the Risk Monitoring Committee, which provides
kepada Dewan Komisaris dalam rangka mendukung recommendations to the Board of Commissioners in
efektivitas pelaksanaan tugas dan tanggung jawab order to support the effectiveness of the implementation
Dewan Komisaris yang berkaitan dengan manajemen of the Board of Commissioners’ duties and responsibilities
risiko. related to risk management.
14. Melakukan fungsi pengawasan dan penerapan Tata 14. Carrying out the function of supervision and
Kelola Terintegrasi (TKT) dalam Konglomerasi Keuangan implementation of Integrated Governance (IGC) in the
Sinar Mas melalui Komite TKT, di antaranya mengevaluasi Sinar Mas Financial Conglomerate through the IGC
pelaksanaan TKT melalui penilaian kecukupan Committee, including evaluating the implementation of
pengendalian intern dan pelaksanaan fungsi kepatuhan IGC through an assessment of the adequacy of internal
secara terintegrasi. control and the implementation of integrated compliance
15. Menganalisis, memberi masukan, dan menyetujui
functions.
15. Analyzing, providing input, and approving the 2025
261
Rencana Aksi Keuangan Berkelanjutan (RAKB) tahun Sustainable Finance Action Plan (RAKB) and the
2024
2025 dan realisasi RAKB tahun 2024 untuk disampaikan realization of the 2024 RAKB to be submitted to the OJK. Performance
kepada OJK. Highlights
Rekomendasi Dewan Komisaris Recommendations from the Board of Management
Commissioners Report
Rekomendasi penting yang telah dikeluarkan Dewan Important recommendations issued by the Board of
Komisaris selama tahun 2024, antara lain: Commissioners during 2024 include: Company
1. Memberi masukan dan menyetujui rencana Aksi Korporasi 1. Providing input and approving the Corporate Action plan Profile
sepanjang 2024 di antaranya penyelenggaraan RUPS throughout 2024, including the holding of the Annual GMS
Tahunan dan RUPS Luar Biasa. and Extraordinary GMS.
Management
2. Memberikan persetujuan atas perubahan RBB tahun 2. Provide approval for changes to the 2024 RBB, 2025 Discussion and
2024, Recovery Plan tahun 2025, RAKB tahun 2025 dan Recovery Plan, 2025 RAKB, and the realization of the Analysis
realisasi RAKB tahun 2024 serta memberikan persetujuan 2024 RAKB, and provide approval for the Bank’s strategic
atas rencana strategi dan bisnis Bank untuk tahun 2025. and business plan for 2025. Business
3. Melakukan reviu dan memberikan masukan atas Risk 3. Review and provide input on the Bank’s Risk Appetite Support
Appetite Statement Bank. Statement. Overview
4. Memberikan masukan mengenai target keuangan Bank, 4. Provide input on the Bank’s financial targets, including
termasuk Net Interest Margin, NPL dan Watchlist Account, Net Interest Margin, NPL and Watchlist Account, Loan- CORPORATE
Loan to Deposit Ratio, Asset Quality, produktivitas dan to-Deposit Ratio, Asset Quality, productivity, and market GOVERNANCE
kompetisi pasar. competition.
5. Secara berkala membahas kondisi makro ekonomi dan 5. Periodically discuss macroeconomic and industrial Sustainability
industri serta peraturan-peraturan ketentuan perbankan conditions and new banking regulations, as well as the Report
baru, serta dampak terhadap bisnis Bank dan tindak impact on the Bank’s business and its follow-up.
lanjutnya.
6. Memberikan rekomendasi kepada Direksi melalui komite- 6. Provide recommendations to the Board of Directors
komite di tingkat Dewan Komisaris sebagaimana tercantum through committees at the Board of Commissioners level
dalam Laporan Pelaksanaan Tugas Komite Audit, Komite as stated in the Report on the Implementation of the Duties
Pemantau Risiko, Komite Nominasi dan Remunerasi, serta of the Audit Committee, Risk Monitoring Committee,
Komite Tata Kelola Terintegrasi pada Bab Laporan Tata Nomination and Remuneration Committee, and Integrated
Kelola Perusahaan pada Laporan Tahunan ini. Governance Committee in the Corporate Governance
Report Chapter of this Annual Report.
7. Sesuai Anggaran Dasar Bank, Dewan Komisaris menyetujui 7. In accordance with the Bank’s Articles of Association, the
usulan tindakan kredit kurang lancar, restrukturisasi dan Board of Commissioners approves the proposed actions
penghapusan kredit di atas limit tertentu sebagaimana for substandard loan, restructuring, and writing off loan
ditetapkan dalam kebijakan Bank. Selain itu, Dewan above a certain limit as stipulated in the Bank’s policies.
Komisaris memberikan persetujuan kredit terhadap pihak In addition, the Board of Commissioners provides loan
terkait dengan Bank, hal ini sesuai dengan ketentuan approval to parties related to the Bank in accordance with
otoritas yang berlaku. the provisions of the applicable authorities.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 264
Pengembangan Kompetensi Dewan Komisaris Board of Commissioners Competency
Development
Kebijakan Policy
Bank Sinarmas telah memiliki kebijakan untuk memfasilitasi Bank Sinarmas has a policy to facilitate the Board of
Dewan Komisaris mengikuti berbagai program Commissioners’ participation in various competency
pengembangan kompetensi. Langkah ini dilakukan guna development programs. This step is taken to ensure that the
memastikan Dewan Komisaris memiliki kompetensi yang Board of Commissioners has the competencies needed to
diperlukan untuk menjalankan peran dan fungsinya secara carry out its roles and functions effectively in supporting the
efektif dalam mendukung kesuksesan dan keberlanjutan success and sustainability of the Bank.
Bank.
Realisasi Pelatihan Training Realization
Informasi mengenai program pengembangan kompetensi Information regarding the Board of Commissioners
Dewan Komisaris pada tahun 2024 diungkapkan sebagai competency development program in 2024 is disclosed as
262 berikut. follows:
Ikhtisar Kinerja Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
2024 Name Position Competency Development Materials Venue/Date Organizer
Permohonan Persetujuan Dewan Komisaris Grand Hyatt Hotel, Ballroom
Terkait Pembukaan Fasilitas Money Market B & C, Jalan M.H. Thamrin,
Laporan
Line - Non BMPK Kepada PT Bank Nano Jakarta
Manajemen
Syariah 6 Maret 2024
IBM
Request for Approval from the Board of Grand Hyatt Hotel, Ballroom
Profil Commissioners Regarding the Opening of B & C, Jalan M.H. Thamrin,
Perusahaan Money Market Line Facilities - Non BMPK Jakarta
to PT Bank Nano Syariah March 6, 2024
Seminar Penyelarasan Manajemen Risiko Mandiri Club
Analisis dan Komisaris Utama BARA (Bankers
bagi Komisaris 21-22 Mei 2024
Pembahasan Tjendrawati Widjaja President Association for Risk
Risk Management Alignment Seminar for Mandiri Club
Manajemen Commissioner Management)
Commissioners May 21-22, 2024
Kegiatan Edukasi Keuangan - BUNDAKU
Tinjauan (Ibu, Anak, dan Keluarga Cakap Keuangan)
Pendukung “Ibu Cerdas Keuangan, Mewujudkan Via online OJK (Otoritas Jasa
Bisnis Keluarga Sejahtera“ 25 Juni 2024 Keuangan)
Financial Education Activities - BUNDAKU Via online OJK (Financial Services
(Financially Savvy Mothers, Children, and June 25, 2024 Authority)
TATA KELOLA Families) “Financially Savvy Mothers,
PERUSAHAAN Creating Prosperous Families”
Via online
Laporan Corporate Strategy Masterclass: SMS (Strategic
20 Maret 2024
Intersection of Corporate Strategy and Management Society),
Keberlanjutan Via online
Competitive Strategy USA
March 20, 2024
Via online
SMS (Strategic
Corporate Business Education Reimagined 7 Mei 2024
Management Society),
with Ithai Stern Via online
USA
May 7, 2024
Komisaris Seminar Penyelarasan Manajemen Risiko Mandiri Club
BARA (Bankers
Independen bagi Komisaris 21-22 Mei 2024
Sammy Kristamuljana Association for Risk
Independent Risk Management Alignment Seminar for Mandiri Club
Management)
Commissioner Commissioners May 21-22, 2024
Via online
Masterclass on Adaptation with Daniel SMS (Strategic
12 Juni 2024
Levinthal: The Mendelian Executive and Management Society),
Via online
Adaptive Journeys USA
June 12, 2024
The Grand Mansion
Financial Institution Recovery Plan in the
28 November 2024
Integrated Risk Management Framework M-Knows Consulting
The Grand Mansion
for Financial Conglomeration
November 28, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 265
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Development Materials Venue/Date Organizer
Via online
AIA (The Association
The Profession's Ethical Standards and 18 Maret 2024
of International
Guidelines Via online
Accountants)
March 18, 2024
LPPI (Lembaga
Paylater: Solusi Keuangan atau Sumber Via online
Pengembangan
Masalah Baru? 26 April 2024
Perbankan Indonesia)
Paylater: Financial Solution or New Source Via online
LPPI (Indonesian Banking
of Problems? April 26, 2024
Development Institute)
Via online
AIA (The Association
Capital Allowance - Full Expensing got 29 April 2024
of International
Fuller Via online
Accountants)
April 29, 2024
Via online
AIA (The Association
Sustainable Financing Criteria - for 11 Juni 2024
of International
Corporate, SMEs and Financial Institutions Via online
Accountants)
June 11, 2024
Seminar Penyelarasan Manajemen Risiko
Ruang Asmat, Mandiri Club
Jakarta Selatan
263
BARA (Bankers
bagi Komisaris 21-23 Agustus 2024
Association for Risk
Risk Management Alignment Seminar for Asmat Room, Mandiri Club, 2024
Management)
Commissioners South Jakarta Performance
August 21-23, 2024 Highlights
Komisaris Via online Profesi Keuangan Expo
Independen 12 September 2024 2024
Rusmin Key Audit Matters: Matters To All
Independent Via online Finance Professions Management
Commissioner September 12, 2024 Expo 2024 Report
Carbon Credit: Bagaimana Profesi
Keuangan Memanfaatkan Tantangan dan Profesi Keuangan Expo
Peluangnya 2024 Company
Via online Profile
Carbon Credits: How the Finance Finance Professions
Profession Can Leverage the Challenges Expo 2024
and Opportunities
Implementasi PSAK 117: Pemahaman, Management
Implementasi dan Dampaknya terhadap Profesi Keuangan Expo Discussion and
Bisnis 2024 Analysis
Via online
Implementation of PSAK 117: Finance Professions
Understanding, Implementation and Impact Expo 2024
on Business Business
Support
Transformasi dan Integrasi Sistem Logistik Profesi Keuangan Expo
Indonesia 2024 Overview
Via online
Transformation and Integration of Finance Professions
Indonesian Logistics System Expo 2024
CORPORATE
Dampak Penerapan UU PDP Pada GOVERNANCE
Industri Keuangan dalam Mengelola Data LPPI (Lembaga
Konsumen dan Praktik GCG Pengembangan
The Impact of the Implementation of Via online Perbankan Indonesia)
the PDP Law on the Financial Industry LPPI (Indonesian Banking Sustainability
in Managing Consumer Data and GCG Development Institute) Report
Practices
Penilaian Komite di Bawah Dewan Komisaris Assessment of Committees Under the Board of
Commissioners
Prosedur Penilaian Assessment Procedure
Dewan Komisaris senantiasa melakukan penilaian terhadap The Board of Commissioners always assesses the performance
kinerja kepada organ pendukungnya, yakni Komite Audit, of its supporting organs, namely the Audit Committee, Risk
Komite Pemantau Risiko, Komite Remunerasi dan Nominasi, Monitoring Committee, Remuneration and Nomination
dan Komite Tata Kelola Terintegrasi. Penilaian dilakukan Committee, and Integrated Governance Committee.
secara berkala setiap tahun. Assessments are carried out periodically every year.
Prosedur penilaian komite dilakukan secara mandiri (self The committee assessment procedure is carried out
assessment), tanpa melibatkan pihak ketiga. Penilaian independently (self-assessment), without involving third
tersebut diharapkan menjadi masukan untuk peningkatan parties. The assessment is expected to be input for improving
kinerja ke depan. future performance.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 266
Kriteria Penilaian Assessment Criteria
Kriteria yang digunakan dalam penilaian tersebut, yakni: The criteria used in the assessment are:
1. Pelaksanaan tugas dan tanggung jawab selama tahun 1. Implementation of duties and responsibilities during
2024; 2024;
2. Rekomendasi yang diberikan; dan 2. Recommendations given; and
3. Tingkat kehadiran dalam masing-masing rapat komite. 3. Level of attendance at each committee meeting.
Hasil Penilaian Assessment Results
Berdasarkan hasil penilaian ditahun 2024, Dewan Komisaris Based on the assessment results in 2024, the Board of
menyatakan bahwa komite-komite telah menjalankan tugas Commissioners stated that the committees had carried out
dan tanggung jawabnya dengan baik dan telah berkontribusi their duties and responsibilities well and had contributed
dalam mendukung pelaksanaan tugas dan tanggung jawab to supporting the implementation of the duties and
Dewan Komisaris. responsibilities of the Board of Commissioners.
Komisaris Independen Independent Commissioners
264 Komisaris Independen di Bank Sinarmas ditunjuk untuk
memberikan perspektif yang obyektif dan tidak bias dalam
Independent Commissioners at Bank Sinarmas are
appointed to provide an objective and unbiased perspective
Ikhtisar Kinerja
pengambilan keputusan Bank. Pada tahun 2024, dari jumlah in the Bank’s decision-making. In 2024, out of 3 members
2024 3 anggota Dewan Komisaris, 2 di antaranya Komisaris of the Board of Commissioners, 2 of them are Independent
Independen. Dengan demikian, Bank telah memenuhi Commissioners. Thus, the Bank has complied with the
Laporan ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun provisions of the Financial Services Authority Regulation No.
Manajemen 2023 tentang Penerapan Tata Kelola bagi Bank Umum yang 17 of 2023 concerning the Implementation of Governance
mewajibkan minimal 50% Komisaris Independen dari jumlah for Commercial Banks, which requires a minimum of 50%
Profil anggota Dewan Komisaris. Independent Commissioners from the total number of
Perusahaan
members of the Board of Commissioners.
Analisis dan
Pembahasan Pernyataan Independensi Komisaris Independen Independence Statement of Independent
Manajemen Commissioner
Sammy Kristamuljana dan Rusmin telah menyampaikan Sammy Kristamuljana and Rusmin submitted a statement
Tinjauan pernyataan independensi sebagai Komisaris Independen. of independence as Independent Commissioners. The
Pendukung
Bisnis
Pernyataan independensi tersebut terkait dengan statement of independence is related to their appointment
pengangkatannya sebagai Komisaris Independen yang telah as Independent Commissioners who have served for more
TATA KELOLA menjabat lebih dari 2 (dua) periode. than 2 (two) terms.
PERUSAHAAN
Uraian pernyataan independensi tersebut diungkapkan The description of the statement of independence is
Laporan sebagai berikut. disclosed as follows.
Keberlanjutan
Aspek Independensi Sammy
Rusmin
Independence Aspect Kristamuljana
Merupakan pihak independen terhadap pemilik Bank dan Pemegang Saham Pengendali (PSP).
√ √
It is an independent party to the Bank’s owners and Controlling Shareholders (PSP).
Tidak mempunyai saham baik langsung maupun tidak langsung pada Bank.
√ √
Does not have shares either directly or indirectly in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota Direksi atau
Pemegang Saham Utama Bank.
√ √
Does not have an affiliated relationship with the Bank, members of the Board of Commissioners, members of
the Board of Directors, or Major Shareholders of the Bank.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan
usaha Bank. √ √
Does not have a business relationship either directly or indirectly related to the Bank’s business activities.
Merupakan pihak independen terhadap pemilik Bank dan Pemegang Saham Pengendali (PSP).
√ √
It is an independent party to the Bank’s owners and Controlling Shareholders (PSP).
Tidak mempunyai saham baik langsung maupun tidak langsung pada Bank.
√ √
Does not have shares either directly or indirectly in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota Direksi atau
Pemegang Saham Utama Bank.
√ √
Does not have an affiliated relationship with the Bank, members of the Board of Commissioners, members of
the Board of Directors, or Major Shareholders of the Bank.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan
usaha Bank. √ √
Does not have a business relationship either directly or indirectly related to the Bank’s business activities.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 267
DIREKSI
Board of Directors
Direksi merupakan organ yang bertanggung jawab penuh The Board of Directors is an organ that is fully responsible
atas pengelolaan Bank. Masing-masing anggota Direksi for the management of the Bank. Each member of the Board
memiliki tugas dan tanggung jawab dengan koordinasi of Directors has duties and responsibilities, with centralized
terpusat di tangan Direktur Utama, sehingga setiap coordination in the hands of the President Director, ensuring
keputusan wajib dipertanggung jawabkan secara kolektif that every decision must be collectively accounted for by
oleh seluruh anggota Direksi dan keputusan terakhir berada all members of the Board of Directors and the final decision
di tangan Direktur Utama. Direksi juga bekerja sesuai
dengan kebijakan dan tujuan yang ditetapkan Pemegang
lies with the President Director. The Board of Directors also
works in accordance with the policies and objectives set by
265
Saham pada saat RUPS. Shareholders at the GMS.
2024
Performance
Pedoman Direksi Board of Directors Guidelines Highlights
Bank telah menyusun Pedoman Direksi yang ditetapkan The Bank has prepared Board of Directors Guidelines, which
melalui SK.045/2018/PRESDIR-CorSec tanggal 25 Oktober are stipulated through SK.045/2018/PRESDIR-CorSec dated Management
2018. Isi pedoman tersebut, terdiri dari: October 25, 2018. The contents of the guidelines consist of: Report
1. Ketentuan Umum; 1. General Provisions;
2. Landasan Hukum; 2. Legal Basis; Company
3. Keanggotaan; 3. Membership; Profile
4. Kriteria; 4. Criteria;
5. Masa Jabatan; 5. Term of Office;
Management
6. Ketentuan Rangkap Jabatan; 6. Provisions on Concurrent Positions; Discussion and
7. Pengunduran dan Pemberhentian Sementara Direksi; 7. Resignation and Temporary Dismissal of Directors; Analysis
8. Benturan Kepentingan; 8. Conflict of Interest;
9. Deskripsi Tugas dan Tanggung Jawab Secara Umum; 9. General Description of Duties and Responsibilities; Business
10. Wewenang; 10. Authority; Support
11. Larangan; 11. Prohibitions; Overview
12. Nilai-nilai; 12. Values;
13. Orientasi Direksi; 13. Orientation of the Board of Directors; CORPORATE
14. Pelatihan Direksi; 14. Training of the Board of Directors ; GOVERNANCE
15. Keikutsertaan Saham; 15. Share Participation;
16. Pelaporan; dan 16. Reporting; and Sustainability
17. Lain-lain. 17. Others. Report
Tata Tertib Kerja Direksi Charter of Board of Directors
Direksi juga memiliki tata tertib yang memuat berbagai The Board of Directors also has a charter that contains
aspek terkait prosedur, kewajiban, dan tanggung jawab various aspects related to the procedures, obligations, and
anggota Direksi dalam menjalankan tugasnya. Tata tertib responsibilities of members of the Board of Directors in
tersebut diatur dalam Surat Keputusan No. SK.076/2024/ carrying out their duties. These rules are regulated in Decree
PRESDIR tertanggal 28 Oktober 2024. Beberapa ketentuan No. SK.076/2024/PRESDIR dated October 28, 2024. Several
yang tercantum dalam Tata Tertib Direksi, antara lain: provisions contained in the Board of Directors Charter include:
1. Waktu Kerja; 1. Working Hours;
2. Perjalanan Dinas dan Cuti Direksi ; 2. Board of Directors’ Official Travel and Leave;
3. Rapat; 3. Meetings;
4. Ketentuan Pakaian; 4. Clothing Provisions;
5. Kepatuhan terhadap Peraturan; 5. Compliance with Regulations;
6. Keterbukaan Informasi; dan 6. Disclosure of Information; and
7. Kode Etik. 7. Code of Ethics.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 268
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the Board of
Tugas dan tanggung jawab Direksi berdasarkan pedoman Directors
kerja, yakni: The duties and responsibilities of the Board of Directors are
1. Direksi bertanggung jawab penuh atas pelaksanaan based on the work guidelines, namely:
kepengurusan Bank; 1. The Board of Directors is fully responsible for the
2. Direksi wajib mengelola Bank sesuai dengan implementation of the Bank’s management;
kewenangan dan tanggung jawabnya sebagaimana 2. The Board of Directors is obliged to manage the Bank
diatur dalam Anggaran Dasar dan peraturan perundang- in accordance with its authority and responsibilities as
undangan; stipulated in the Articles of Association and laws and
3. Direksi wajib melaksanakan prinsip-prinsip tata kelola regulations;
perusahaan dalam setiap kegiatan usaha Bank pada 3. The Board of Directors is obliged to implement the
seluruh tingkatan atau jenjang organisasi; principles of corporate governance in every business
4. Direksi bertanggung jawab dalam menciptakan struktur activity of the Bank at all levels of the organization;
pengendalian intern dan menjamin terselenggaranya 4. The Board of Directors is responsible for creating an
Fungsi Audit Internal Bank dalam setiap tingkatan internal control structure and ensuring the implementation
266 manajemen;
5. Dalam pelaksanaan Fungsi Audit Internal, Direksi
of the Bank’s Internal Audit Function at every level of
management;
Ikhtisar Kinerja
bertanggung jawab: 5. In implementing the Internal Audit Function, the Board of
2024 a. Mengembangkan kerangka pengendalian intern Directors is responsible for:
untuk mengidentifikasi, mengukur, memantau, dan a. Developing an internal control framework to identify,
Laporan mengendalikan semua risiko yang dihadapi Bank; measure, monitor, and control all risks faced by the
Manajemen b. Memastikan SKAI memperoleh informasi terkait Bank;
perkembangan yang terjadi, inisiatif, proyek, produk, b. Ensuring that SKAI obtains information related
Profil dan perubahan operasional serta risiko yang telah to developments that occur, initiatives, projects,
Perusahaan
diidentifikasi dan diantisipasi; products, and operational changes, as well as risks
c. Memastikan telah dilakukan tindakan perbaikan that have been identified and anticipated;
Analisis dan
Pembahasan yang tepat dalam waktu yang cepat terhadap semua c. Ensuring that appropriate corrective actions have
Manajemen temuan dan rekomendasi SKAI; been taken in a timely manner regarding all SKAI
d. Memastikan kepala SKAI memiliki sumber daya serta findings and recommendations;
Tinjauan anggaran yang diperlukan untuk menjalankan tugas d. Ensuring that the Head of SKAI has the resources
Pendukung
Bisnis
dan fungsi sesuai dengan rencana audit tahunan; and budget needed to carry out duties and functions
6. Direksi wajib menindaklanjuti temuan audit dan in accordance with the annual audit plan;
TATA KELOLA rekomendasi dari satuan kerja audit internal Bank, auditor 6. The Board of Directors is required to follow up on
PERUSAHAAN ekstern, hasil pengawasan Otoritas Jasa Keuangan dan/ audit findings and recommendations from the Bank’s
atau hasil pengawasan otoritas lain; internal audit work unit, external auditors, the results of
Laporan supervision by the Financial Services Authority, and/or
Keberlanjutan 7. Direksi bertanggung jawab terhadap non-performing the results of supervision by other authorities;
loan (NPL) Bank; 7. The Board of Directors is responsible for the Bank’s non-
8. Dalam rangka menerapkan prinsip Tata Kelola yang baik, performing loans (NPL);
Direksi paling sedikit wajib membentuk: 8. In order to implement the principles of Good Governance,
a. Satuan Kerja Audit Internal; the Board of Directors must at least form:
b. Risk Management Group dan Komite Manajemen a. Internal Audit Work Unit;
Risiko; b. Risk Management Group and Risk Management
c. Satuan Kerja Kepatuhan; Committee;
9. Direksi wajib mempertanggungjawabkan pelaksanaan c. Compliance Work Unit;
tugas kepada Pemegang Saham melalui RUPS; 9. The Board of Directors is required to be accountable for
the implementation of its duties to Shareholders through
10. Direksi wajib mengungkapkan kepada pegawai the GMS;
mengenai kebijakan Bank yang bersifat strategis di 10. The Board of Directors is required to disclose to
bidang kepegawaian; employees the Bank’s strategic policies in the field of
11. Direksi wajib menyediakan data dan informasi yang personnel;
akurat, relevan dan tepat waktu kepada Dewan 11. The Board of Directors is required to provide accurate,
Komisaris; relevant and timely data and information to the Board of
12. Keputusan Direksi yang diambil sesuai dengan pedoman Commissioners;
dan tata tertib kerja mengikat dan menjadi tanggung 12. Decisions of the Board of Directors taken in accordance
jawab seluruh anggota Direksi; with the guidelines and charter are binding and are the
13. Direksi wajib: responsibility of all members of the Board of Directors;
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PT. Bank Sinarmas Tbk. 2024
Page 269
a. Membuat daftar Pemegang Saham, daftar khusus, 13. The Board of Directors is required to:
risalah RUPS dan risalah rapat Direksi; a. Create a list of Shareholders, a special list, minutes of the
b. Membuat laporan tahunan dan dokumen keuangan GMS and minutes of the Board of Directors’ meetings;
Perseroan sebagaimana dimaksud dalam Undang- b. Create annual reports and financial documents of
Undang tentang Dokumen Perusahaan; the Company as referred to in the Law on Company
c. Memelihara seluruh daftar, risalah, dokumen Documents;
keuangan Bank dan dokumen Bank lainnya; c. Maintain all lists, minutes, financial documents of the
14. Anggota Direksi wajib melaporkan kepada Perseroan Bank and other Bank documents;
mengenai saham yang dimiliki anggota Direksi yang 14. Members of the Board of Directors are required to report
bersangkutan dan/atau keluarganya dalam Perseroan; to the Company regarding shares owned by the relevant
member of the Board of Directors and/or his/her family in
15. Merumuskan, menyusun, mensosialisasikan, the Company;
mengevaluasi visi, misi, etos kerja, dan nilai perusahaan; 15. Formulate, compile, socialize, and evaluate the vision,
16. Seluruh kebijakan tertulis Bank, baik dalam bentuk surat mission, work ethic, and values of the company;
keputusan (“SK”) maupun surat edaran (“SE”), wajib disetujui 16. All written policies of the Bank, both in the form of decrees
dan ditandatangani oleh anggota Direksi sesuai dengan
ketentuan internal perseroan beserta perubahannya;
(“SK”) and circulars (“SE”), must be approved and signed
by members of the Board of Directors in accordance with
267
17. Mengoordinasikan perumusan dan penyusunan strategi the company’s internal provisions and their amendments;
2024
perusahaan baik jangka panjang (Corporate Plan) 17. Coordinate the formulation and preparation of the Performance
maupun jangka menengah/pendek (Rencana Bisnis company’s strategies, both long-term (Corporate Plan) Highlights
Bank/RBB) serta mengusulkannya guna mendapatkan and medium/short-term (Bank Business Plan/RBB), and
persetujuan dari Dewan Komisaris; propose them to obtain approval from the Board of Management
18. Mengoordinasikan perumusan dan pelaksanaan strategi Commissioners; Report
program Penerapan Keuangan Berkelanjutan dengan 18. Coordinate the formulation and implementation of
memperhatikan pemenuhan ketentuan kehati-hatian Sustainable Finance Implementation program strategies Company
dan penerapan manajemen risiko; by paying attention to the fulfillment of prudential Profile
19. Melaksanakan, mengawasi, dan mengevaluasi jalannya provisions and the implementation of risk management;
Corporate Plan dan RBB agar sesuai dengan Visi, Misi, 19. Implement, supervise, and evaluate the implementation
Management
dan Objektif Bank yang telah ditetapkan; of the Corporate Plan and RBB to ensure that they are Discussion and
in accordance with the Bank’s Vision, Mission, and Analysis
20. Menetapkan besarnya gaji atau remunerasi kepada Objectives that have been set;
karyawan dan/atau pejabat eksekutif unit kerja di 20. Determine the amount of salary or remuneration to Business
bawahnya dengan memperhatikan rekomendasi employees and/or executive officers of work units under Support
Direktur yang membawahkan Human Capital (HC); it by considering the recommendations of the Director in Overview
21. Mengatur dan menetapkan struktur organisasi, charge of Human Capital (HC);
pendelegasian wewenang dan uraian tugas yang jelas 21. Arrange and determine the organizational structure, CORPORATE
bagi setiap pejabat maupun pegawai, baik di kantor delegation of authority, and clear job descriptions for GOVERNANCE
pusat maupun di kantor-kantor cabang; each official and employee, both at the head office and
22. Pengalihan tugas sementara anggota Direksi dapat at branch offices; Sustainability
dilakukan dengan ketentuan: 22. Temporary transfer of duties of members of the Board of Report
a. Apabila Direktur Utama cuti atau berhalangan hadir Directors can be carried out with the following provisions:
maka tugas-tugas Direktur Utama dilaksanakan a. If the President Director is on leave or is unable
secara bersama-sama oleh 2 orang Direktur lainnya to attend, the duties of the President Director are
sebagaimana diatur dalam Anggaran Dasar Perusahaan; carried out jointly by 2 other Directors as stipulated
b. Direktur lainnya sebagaimana dijelaskan dalam huruf in the Company’s Articles of Association;
(a) merupakan Direktur Alternate adalah Direktur b. The other Director as explained in letter (a), is the
yang menerima pengalihan tugas sementara Direktur Alternate Director, namely the Director who receives
dikarenakan cuti/berhalangan hadir oleh sebab apa the temporary transfer of duties of the Director due
pun yang tidak perlu dibuktikan kepada pihak ketiga to leave/being unable to attend for any reason
sebagaimana diatur dalam ketentuan internal yang that does not need to be proven to a third party as
berlaku; dan stipulated in the applicable internal provisions; and
c. Selain Direktur Alternate juga terdapat piket harian
Direksi yang mana masing-masing Direktur tertentu c. In addition to the Alternate Director, there is also
harus selalu berada di kantor pada hari kerja dan a daily duty of the Board of Directors, where each
standby pada hari-hari tertentu sesuai dengan jadwal Director must always be in the office on working
yang telah disepakati sebagaimana diatur dalam days and be on standby on certain days according to
ketentuan internal yang berlaku. the agreed schedule as stipulated in the applicable
internal provisions.
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2024 PT. Bank Sinarmas Tbk.
Page 270
Kriteria Anggota Direksi
Kriteria keanggotaan Direksi Bank Sinarmas, yakni: Criteria for Members of the Board of Directors
The criteria for membership of the Board of Directors of Bank
1. Anggota Direksi diangkat dan diberhentikan oleh RUPS; Sinarmas are:
1. Members of the Board of Directors are appointed and
2. Setiap usulan penggantian dan/atau pengangkatan dismissed by the GMS;
anggota Direksi oleh Dewan Komisaris kepada Rapat 2. Every proposal for replacement and/or appointment
Umum Pemegang Saham, harus memperhatikan of members of the Board of Directors by the Board of
rekomendasi komite remunerasi dan nominasi; Commissioners to the General Meeting of Shareholders
must take into account the recommendations of the
3. Yang dapat menjadi anggota Direksi adalah orang remuneration and nomination committee;
perseorangan yang memenuhi persyaratan pada saat 3. Those who can become members of the Board of
diangkat dan selama menjabat: Directors are individuals who meet the following
requirements at the time of appointment and during their
a. Mempunyai akhlak, moral dan integritas yang baik; term of office:
268 b. Cakap melakukan perbuatan hukum;
c. Dalam 5 tahun sebelum pengangkatan dan selama
a. Have good morals, ethics, and integrity;
b. Capable of carrying out legal acts;
Ikhtisar Kinerja
menjabat: c. In the 5 years prior to appointment and during their
2024 1) Tidak pernah dinyatakan pailit; term of office:
2) Tidak pernah menjadi anggota Direksi dan/atau 1) Has never been declared bankrupt;
Laporan Dewan Komisaris yang dinyatakan bersalah 2) Has never been a member of the Board of
Manajemen menyebabkan suatu perusahaan dinyatakan Directors and/or Board of Commissioners who
pailit; was found guilty of causing a company to be
Profil 3) Tidak pernah dihukum karena melakukan tindak declared bankrupt;
Perusahaan
pidana yang merugikan keuangan negara dan/ 3) Has never been convicted of committing a
atau yang berkaitan dengan sektor keuangan; crime that is detrimental to state finances and/or
Analisis dan
Pembahasan 4) Tidak pernah menjadi anggota Direksi dan/ related to the financial sector;
Manajemen atau anggota Dewan Komisaris yang selama 4) Has never been a member of the Board of
menjabat: Directors and/or a member of the Board of
Tinjauan a) Pernah tidak menyelenggarakan RUPS tahunan; Commissioners who during their term of office:
Pendukung
Bisnis
b) Pertanggungjawabannya sebagai anggota a) Has never held an annual GMS;
Direksi dan/atau anggota Dewan Komisaris b) His/her accountability as a member of the
TATA KELOLA pernah tidak diterima oleh RUPS atau pernah Board of Directors and/or member of the
PERUSAHAAN tidak memberikan pertanggungjawaban Board of Commissioners has ever been
sebagai anggota Direksi dan/atau anggota rejected by the GMS or has never provided
Laporan Dewan Komisaris kepada RUPS; accountability as a member of the Board of
Keberlanjutan Directors and/or member of the Board of
c) Pernah menyebabkan perusahaan yang Commissioners to the GMS;
memperoleh izin, persetujuan atau c) Has ever caused a company that has
pendaftaran dari Otoritas Jasa Keuangan obtained a permit, approval, or registration
tidak memenuhi kewajiban menyampaikan from the Financial Services Authority to fail to
laporan tahunan dan/atau laporan keuangan fulfill its obligation to submit an annual report
kepada Otoritas Jasa Keuangan; and/or financial statement to the Financial
4. Memiliki komitmen untuk mematuhi peraturan Services Authority;
perundang-undangan; dan 4. Has a commitment to comply with laws and regulations;
5. Memiliki pengetahuan dan/atau keahlian di bidang yang and
dibutuhkan Emiten atau Perusahaan Publik. 5. Has knowledge and/or expertise in the field required by
the Issuer or Public Company.
Pemenuhan persyaratan tersebut wajib dimuat dalam surat
pernyataan dan disampaikan kepada Bank. Selanjutnya, Fulfillment of these requirements must be included in a
Bank wajib meneliti dan mendokumentasikannya. Rincian statement letter and submitted to the Bank. Furthermore, the
penilaian kepatutan tersebut akan dijelaskan di bagian Bank is required to examine and document it. Details of the fit
komposisi Direksi. and proper assessment will be explained in the composition
of the Board of Directors section.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 271
Komposisi Direksi
Komposisi Direksi Bank Sinarmas disesuaikan dengan Composition of the Board of Directors
ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun The composition of the Board of Directors of Bank Sinarmas is
2023 dan Surat Edaran Otoritas Jasa Keuangan No. 13/ adjusted to the provisions of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Regulation No. 17 of 2023 and the Financial Services
Umum. Berikut komposisi Direksi Bank per 31 Desember Authority Circular Letter No. 13/SEOJK.03/2017 concerning
2024. the Implementation of Governance for Commercial Banks.
The following is the composition of the Bank’s Board of
Directors as of December 31, 2024.
Periode Masa
Nama Jabatan Dasar Pengangkatan
Jabatan
Name Position Basis of Appointment
Term of Office
Pertama kali diangkat sebagai Direktur Utama berdasarkan Keputusan RUPS
Luar Biasa per tanggal 8 September 2017 dengan akhir periode jabatan
Direktur Utama hingga dilaksanakannya RUPS Tahunan 2026.
Frenky Tirtowijoyo 2023-2026
President Director Appointed as President Director for the first time based on the Resolution of
the Extraordinary GMS dated September 8, 2017, with the end of the term of
office until the implementation of the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan Keputusan RUPS Luar
269
Biasa per tanggal 5 Desember 2018 dengan akhir periode jabatan hingga
Direktur Retail Banking
dilaksanakannya RUPS Tahunan 2026. 2024
Miko Andidjaja Director of Retail 2023-2026
Appointed as Director for the first time based on the Resolution of the Performance
Banking
Extraordinary GMS dated December 5, 2018, with the end of the term of office
Highlights
until the implementation of the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan Keputusan RUPS Tahunan
Direktur Lending & per tanggal 14 Juni 2022 dan efektif menjabat sejak tanggal 11 Oktober 2022
Management
Wholesale Banking dengan akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2026.
Ekajaya Ongny Putra 2023-2026 Report
Director of Lending & Appointed as Director for the first time based on the Resolution of the Annual
Wholesale Banking GMS dated June 14, 2022, and effectively served since October 11, 2022, with
the end of the term of office until the implementation of the 2026 Annual GMS.
Company
Pertama kali diangkat sebagai Direktur berdasarkan Keputusan Tahunan per
Profile
Direktur Consumer tanggal 27 Juni 2023 dengan akhir periode jabatan hingga dilaksanakannya
Business RUPS Tahunan 2026.
Enny Kamal 2023-2026
Director of Consumer Appointed as Director for the first time based on the Resolution of the
Business Annual GMS dated June 27, 2023, with the end of the term of office until the Management
implementation of the 2026 Annual GMS. Discussion and
Direktur Information Pertama kali diangkat sebagai Direktur berdasarkan Keputusan Tahunan per Analysis
Technology & tanggal 27 Juni 2023 dengan akhir periode jabatan hingga dilaksanakannya
Digital Experience RUPS Tahunan 2026.
Sendy 2023-2026
Director of Information Appointed as Director for the first time based on the Resolution of the Business
Technology & Annual GMS dated June 27, 2023, with the end of the term of office until the Support
Digital Experiences implementation of the 2026 Annual GMS. Overview
Pertama kali diangkat sebagai Direktur berdasarkan Keputusan RUPS Luar
Direktur Compliance & Biasa per tanggal 28 Oktober 2024 dengan akhir periode jabatan hingga
Risk Management dilaksanakannya RUPS Tahunan 2026. CORPORATE
Amandalia Johanes 2024-2026
Director of Compliance Appointed as Director for the first time based on the Resolution of the GOVERNANCE
& Risk Management Extraordinary GMS dated October 28, 2024, with the end of the term of office
until the 2026 Annual GMS.
Sustainability
Ruang Lingkup Pekerjaan dan Tanggung Jawab Scope of Work and Responsibilities of Each Report
Masing-masing Direksi Board of Directors
Ruang lingkup tugas dan tanggung jawab masing-masing The scope of duties and responsibilities of each member of
anggota Direksi Sinarmas dijelaskan sebagai berikut: the Sinarmas Board of Directors is explained as follows:
Nama Jabatan Tugas dan Tanggung Jawab
Name Position Duties and Responsibilities
Bertanggung jawab atas seluruh tugas Direksi dengan memperhatikan span of control dan
mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Finance &
Performance Management, Human Capital and Operations, Internal Audit, Corporate Secretary,
Direktur Utama Corporate Liaison, dan Corporate Strategic Planning (revisi penamaan), dan Procurement.
Frenky Tirtowijoyo
President Director Responsible for all duties of the Board of Directors by paying attention to the span of control
and directing, supervising, and conducting direct evaluations of the Finance & Performance
Management, Human Capital Management, Internal Audit, Corporate Secretary, Corporate
Liaison, and Corporate Strategic Planning and Procurement Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Sales and
Distribution, Deposit Investment Product Development, Digital Marketing, Agent Banking, Sales
Direktur Retail Banking
and Distribution Enablement dan Digital Sales.
Miko Andidjaja Director of Retail
Directing, supervising, and conducting direct evaluations of the Sales and Distribution, Deposit
Banking
Investment Product Development, Digital Marketing, Agent Banking, Sales and Distribution
Enablement and Digital Sales Work Units.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 272
Nama Jabatan Tugas dan Tanggung Jawab
Name Position Duties and Responsibilities
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Micro, Small
Direktur Lending & & Enterprise Business, Corporate and Commercial Banking, Corporate Banking Business
Wholesale Banking Solution, Treasury and Financial Institution, Securities Services dan Indirect Business
Ekajaya Ongny Putra
Director of Lending & Directing, supervising, and conducting direct evaluations of the Micro, Small & Enterprise
Wholesale banking Business, Corporate and Commercial Banking, Corporate Banking Business Solution, Treasury
and Financial Institution, Securities Services dan Indirect Business
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Credit
Direktur Consumer Administration and Control, Business Continuation and General Services, Loan Recovery,
Business Payment Transaction and Consumer Loan, Credit Card, dan Collateral Valuation
Enny Kamal
Director of Consumer Directing, supervising, and conducting direct evaluations of the Credit Administration and
Business Control, Business Continuation and General Services, Loan Recovery, Payment Transaction and
Consumer Loan, Credit Card, and Collateral Valuation.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja IT Governance,
Strategy, Architecture, Planning & Information Security ; Customer Facing & Internal Product
Direktur Information
Management ; Technical Product Management ; Software Engineering ; IT Infrastructure,
Technology &
DevOps, Operations & Product Assurance ; Business Intelligence dan Artificial Intelligence &
Digital Experience
Sendy Decision Science
Director of Information
Directing, supervising, and conducting direct evaluations of the IT Governance, Strategy,
Technology &
Architecture, Planning & Information Security ; Customer Facing & Internal Product Management;
Digital Experience
270 Technical Product Management ; Software Engineering ; IT Infrastructure, DevOps, Operations &
Product Assurance ; Business Intelligence and Artificial Intelligence & Decision Science Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Compliance,
Direktur Compliance &
Ikhtisar Kinerja Risk Management, Credit Management (MSME & Consumer), Credit Management (Corporate &
Risk Management
2024 Amandalia Johanes Commercial), Legal dan Anti Fraud Management.
Director of Compliance
Direct, supervise and evaluate the Compliance, Risk Management, Credit Management (MSME &
& Risk Management
Consumer), Credit Management (Corporate & Commercial), Legal and Anti Fraud Management Work Units.
Laporan
Manajemen
Penilaian Kemampuan dan Kepatutan Direksi Board of Directors Fit and Proper Test
Profil Bank memastikan bahwa semua anggota Direksi telah lulus The Bank ensures that all members of the Board of Directors
Perusahaan
penilaian kemampuan dan kepatutan (fit and proper test). have passed the fit and proper test. This commitment is
Komitmen ini merupakan wujud kepatuhan Bank terhadap a manifestation of the Bank’s compliance with Financial
Analisis dan
Pembahasan Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 Services Authority Regulation No. 27/POJK.03/2016 on
Manajemen Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Fit and Proper Test for Main Parties of Financial Services
Lembaga Jasa Keuangan. Informasi mengenai hasil fit and Institutions. Information regarding the results of the fit and
Tinjauan proper test Direksi Bank Sinarmas diungkapkan pada tabel proper test of the Board of Directors of Bank Sinarmas is
Pendukung
Bisnis
berikut. disclosed in the following table.
TATA KELOLA Nama Jabatan Pelaksana No. Surat Tanggal Hasil
PERUSAHAAN Name Position Organizer Letter No. Date Result
Direktur Utama Otoritas Jasa Keuangan 19 Juli 2017 Lulus
Frenky Tirtowijoyo KEP-131/D.03/2017
President Director Financial Service Authority July 19, 2017 Passed
Laporan
Direktur Retail Banking Otoritas Jasa Keuangan 2 Agustus 2018 Lulus
Keberlanjutan Miko Andidjaja KEP-121/D.03/2018
Director of Retail Banking Financial Service Authority August 2, 2018 Passed
Direktur Lending & Wholesale Banking Otoritas Jasa Keuangan 3 Oktober 2022 Lulus
Ekajaya Ongny Putra KEP-151/D.03/2022
Director of Lending & Wholesale Banking Financial Service Authority October 3, 2022 Passed
Direktur Consumer Business Otoritas Jasa Keuangan 27 Juni 2023 Lulus
Enny Kamal KEPR-63/D.03/2023
Director of Consumer Business Financial Service Authority June 27, 2023 Passed
Direktur Information Technology &
Digital Experience Otoritas Jasa Keuangan 27 Juni 2023 Lulus
Sendy KEPR-64/D.03/2023
Director of Information Technology & Financial Service Authority June 27, 2023 Passed
Digital Experience
Direktur Compliance & Risk
Management Otoritas Jasa Keuangan 30 Agustus 2024 Lulus
Amandalia Johanes KEPR-109/D.03/2024
Director of Compliance & Risk Financial Service Authority August 30, 2024 Passed
Management
Rangkap Jabatan Direksi Concurrent Positions of the Board of Directors
Seluruh anggota Direksi Bank Sinarmas tidak merangkap All members of the Board of Directors of Bank Sinarmas do
jabatan di perusahaan/instansi mana pun. not hold concurrent positions in any company/institution.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 273
Rangkap Jabatan Direksi di Perusahaan Lain
Concurrent Position of the Board of Directors in Other Companies
Perusahaan/Lembaga Lain
Nama Jabatan Other Companies/Institutions
Name Position Jabatan Institusi Bidang Usaha
Position Institution Line of Business
Direktur Utama Nihil Nihil Nihil
Frenky Tirtowijoyo
President Director Nil Nil Nil
Direktur Retail Banking Nihil Nihil Nihil
Miko Andidjaja
Director of Retail Banking Nil Nil Nil
Direktur Lending & Wholesale Banking Nihil Nihil Nihil
Ekajaya Ongny Putra
Director of Lending & Wholesale Banking Nil Nil Nil
Direktur Consumer Business Nihil Nihil Nihil
Enny Kamal
Director of Consumer Business Nil Nil Nil
Direktur Information Technology & Digital Experience Nihil Nihil Nihil
Sendy
Director of Information Technology & Digital Experience Nil Nil Nil
Direktur Compliance & Risk Management Nihil Nihil Nihil
Amandalia Johanes
Director of Compliance & Risk Management Nil Nil Nil
Rangkap Jabatan Direksi dalam Komite Bank Sinarmas
271
Concurrent Position of the Board of Director in the Committee of Bank Sinarmas
2024
Nama Jabatan di Bank Sinarmas Jabatan di Komite Bank Sinarmas
Name Positions at Bank Sinarmas Position in the Committee of Bank Sinarmas
Performance
Highlights
- Anggota Komite Manajemen Risiko
- Ketua ALCO
- Anggota Komite Kebijakan Perkreditan
- Ketua Komite Human Capital Management
- Ketua Komite Information Technology Report
Direktur Utama - Ketua Komite Manajemen Risiko Terintegrasi
Frenky Tirtowijoyo
President Director - Member of the Risk Management Committee
- Chairman of ALCO Company
- Member of the Credit Policy Committee Profile
- Chairman of the Human Capital Committee
- Chairman of the Information Technology Committee
- Chairman of the Integrated Risk Management Committee Management
- Anggota Komite Manajemen Risiko Discussion and
- Anggota ALCO Analysis
Direktur Retail Banking - Anggota Komite Kebijakan Perkreditan
Miko Andidjaja
Director of Retail Banking - Member of the Risk Management Committee
- Member of ALCO
Business
- Member of the Credit Policy Committee
Support
- Anggota Komite Manajemen Risiko Overview
- Anggota ALCO
Direktur Lending & Wholesale Banking - Anggota Komite Kebijakan Perkreditan
Ekajaya Ongny Putra
Director of Lending & Wholesale Banking - Member of the Risk Management Committee
- Member of ALCO CORPORATE
- Member of the Credit Policy Committee GOVERNANCE
- Anggota Komite Manajemen Risiko
- Anggota ALCO
Direktur Consumer Business - Anggota Komite Kebijakan Perkreditan Sustainability
Enny Kamal Report
Director of Consumer Business - Member of the Risk Management Committee
- Member of ALCO
- Member of the Credit Policy Committee
- Anggota Komite Manajemen Risiko
- Anggota ALCO
Direktur Information Technology & Digital - Anggota Komite Kebijakan Perkreditan
Experience - Wakil Ketua Komite Information Technology
Sendy
Director of Information Technology & - Member of the Risk Management Committee
Digital Experience - Member of ALCO
- Member of the Credit Policy Committee
- Vice Chairman of the Information Technology Committee
- Ketua Komite Manajemen Risiko
- Anggota ALCO
- Anggota Komite Kebijakan Perkreditan
- Anggota Komite Information Technology
Direktur Compliance & Risk Management - Anggota Komite Manajemen Risiko Terintegrasi
Amandalia Johanes
Director of Compliance & Risk Management - Chairman of the Risk Management Committee
- Member ALCO
- Member of the Credit Policy Committee
- Memberof the Information Technology Committee
- Memberof the Integrated Risk Management Committee
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 274
Pengelolaan Benturan Kepentingan Direksi Management of Conflict of Interest of the Board
[GRI 2-15] of Directors [GRI 2-15]
Aturan terkait pengelolaan benturan kepentingan Direksi The regulation related to the management of conflicts of
telah dimuat dalam Pedoman Direksi yang ditetapkan melalui interest of the Board of Directors have been included in the
Pedoman Direksi Rev 2.0 No. SK.045/2018/PRESDIR-CorSec Board of Directors Guidelines stipulated through the Board
tertanggal 25 Oktober 2018, sebagai berikut. of Directors Guidelines Rev 2.0 No. SK.045/2018/PRESDIR-
CorSec dated October 25, 2018, as follows.
1. Direksi wajib memperhatikan prinsip dasar untuk 1. The Board of Directors must pay attention to the basic
menghindari benturan kepentingan terhadap kebijakan principles to avoid conflicts of interest against the
dan pelaksanaan Tata Kelola Perusahaan sebagaimana policies and implementation of Corporate Governance
telah diatur di dalam peraturan regulator. as stipulated in the regulatory regulations.
2. Dalam hal ini terjadi benturan kepentingan, anggota 2. In the event of a conflict of interest, members of the
Direksi dilarang mengambil tindakan yang dapat Board of Directors are prohibited from taking actions that
merugikan Bank atau mengurangi keuntungan Bank may harm the Bank or reduce the Bank’s profits and must
dan wajib mengungkapkan benturan kepentingan dalam disclose the conflict of interest in every decision.
272 setiap keputusan.
Ikhtisar Kinerja
Orientasi bagi Direksi Orientation for the Board of Directors
2024 Bank Sinarmas menyelenggarakan program orientasi khusus bagi Bank Sinarmas organizes a special orientation program for
Direksi yang baru diangkat dengan ketentuan sebagai berikut. newly appointed Directors with the following provisions.
Laporan 1. Program Orientasi bagi anggota Direksi yang baru 1. The Orientation Program for new members of the Board
Manajemen bertujuan untuk memberikan arahan kepada anggota of Directors aims to provide direction to new members
Direksi baru agar memperoleh pemahaman tentang of the Board of Directors to gain an understanding
Profil Perseroan Sehingga dapat menunjang efektivitas of the Company, ensuring that they can support the
Perusahaan
pelaksanaan tugas dan tanggung jawabnya sebagai effectiveness of the implementation of their duties and
Direktur. responsibilities as Directors.
Analisis dan
Pembahasan 2. Dalam program orientasi yang bersangkutan akan 2. In the orientation program, the person concerned will
Manajemen mendapat pengetahuan tentang Perseroan antara lain gain knowledge about the Company, including the
visi, misi, objektif jangka panjang, Rencana Bisnis Bank, vision, mission, long-term objectives, Bank Business
Tinjauan Laporan Keuangan, Laporan Tahunan dan kebijakan- Plan, Financial Statement, Annual Report, and policies
Pendukung
Bisnis
kebijakan terkait Direksi. related to the Board of Directors.
3. Dokumen orientasi dipersiapkan oleh Corporate 3. Orientation documents are prepared by the Corporate
TATA KELOLA Secretary. Secretary.
PERUSAHAAN
Pada tahun 2024, terdapat perubahan komposisi anggota In 2024, there were changes in the composition of the
Laporan Direksi. Corporate Secretary telah melakukan orientasi Board of Directors. The Corporate Secretary has conducted
Keberlanjutan untuk Direktur baru dengan menyediakan dokumen orientation for the new Director by providing orientation
orientasi dan memastikan pemahaman terkait Bank, seperti documents and ensuring understanding related to the Bank,
visi, misi, objektif jangka panjang, Rencana Bisnis, Laporan such as the vision, mission, long-term objectives, Business
Keuangan, Laporan Tahunan, kebijakan-kebijakan, serta hak Plan, Financial Statement, Annual Report, policies, and the
dan kewajiban Direktur. rights and obligations of the Director.
Sertifikasi Manajemen Risiko Risk Management Certification
Bank Sinarmas memastikan bahwa seluruh Direksi telah Bank Sinarmas ensures that all Directors have obtained
mendapatkan Sertifikasi Manajemen Risiko sebagai syarat Risk Management Certification as a requirement to take
mengikuti fit and proper test, sesuai peraturan Otoritas the fit and proper test, in accordance with the regulations
Jasa Keuangan. Penyelenggaraan (refreshment) Program of the Financial Services Authority. The implementation
Penyegaran Sertifikasi Manajemen Risiko juga dilakukan (refreshment) of the Risk Management Certification
sesuai ketentuan Peraturan Bank Indonesia No. 11/19/ Refresher Program is also carried out in accordance with the
PBI/2009 Pasal 14 Ayat 1, yakni Komisaris dan Manajer Risiko provisions of Bank Indonesia Regulation No. 11/19/PBI/2009
Bank yang telah memiliki sertifikasi manajemen risiko. Article 14 Paragraph 1, namely Commissioners and Bank Risk
Managers who have risk management certification.
Jangka waktu refreshment tersebut terhitung sejak The refreshment period is calculated from the date the last
Sertifikat Manajemen Risiko terakhir diterbitkan. Kebijakan Risk Management Certificate was issued. The refreshment
refreshment juga ditetapkan oleh Surat Edaran OJK Nomor policy is also stipulated in OJK Circular Letter No. 28/
28/SEOJK.03/2022 tentang Sertifikasi Manajemen Risiko SEOJK.03/2022 concerning Risk Management Certification
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 275
Bagi Sumber Daya Manusia Bank Umum. Regulasi ini for Human Resources of Commercial Banks. This regulation
menegaskan bahwa program refreshment 1 (satu) kali dalam 1 confirms that the refreshment program is once a year. The
(satu) tahun. Program refreshment sekaligus memperpanjang refreshment program also extends the validity period of the
masa berlaku sertifikasi manajemen risiko. risk management certification.
Informasi terkait refreshment yang telah diikuti Direksi, Information related to the refreshment that has been followed
diungkapkan pada tabel berikut. by the Board of Directors is disclosed in the following table.
Refreshment
Nama Jabatan Tema Refreshment
Terakhir
Name Position Refreshment Theme
Last Refreshment
Direktur Utama 3 November 2023 Strengthen 4 Pillar Risk Management Toward Sustainable
Frenky Tirtowijoyo
President Director November 3, 2023 Bank
Direktur Retail Banking 3 November 2023 Strengthen 4 Pillar Risk Management Toward Sustainable
Miko Andidjaja
Director of Retail Banking November 3, 2023 Bank
Direktur Lending & Wholesale
Banking 3 November 2023 Strengthen 4 Pillar Risk Management Toward Sustainable
Ekajaya Ongny Putra
Director of Lending & Wholesale
Banking
November 3, 2023 Bank
273
Direktur Consumer Business 3 November 2023 Strengthen 4 Pillar Risk Management Toward Sustainable
Enny Kamal
Director of Consumer Business November 3, 2023 Bank 2024
Direktur Information Technology & Performance
Digital Experience 3 November 2023 Strengthen 4 Pillar Risk Management Toward Sustainable Highlights
Sendy
Director of Information Technology & November 3, 2023 Bank
Digital Experience
Direktur Compliance & Risk Management
Accelerating Inclusive Digital Economy Transformation and
Management 1 Desember 2023 Report
Amandalia Johanes Sustainability Economic Growth (and impact on Risk Based
Director of Compliance & Risk December 1, 2023
Bank Rating and Risk Appetite)
Management
Company
Profile
Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
2024 2024 Management
Sepanjang tahun 2024, Direksi Bank Sinarmas telah Throughout 2024, the Board of Directors of Bank Sinarmas Discussion and
melaksanakan tugas dan tanggung jawab sebagai berikut. has carried out the following duties and responsibilities. Analysis
1. Melakukan proses penyusunan dan evaluasi strategi 1. Conducting the preparation and evaluation of the Bank’s
Bank melalui Rapat Direksi terkait Rencana Bisnis Bank strategy through Board of Directors Meetings regarding Business
(RBB) 2024 dan revisi RBB 2024. the Bank’s 2024 Business Plan (RBB) and its revisions; Support
2. Meningkatkan customer experience bagi setiap nasabah. 2. Enhancing customer experience for all clients. Overview
Hal ini dilakukan melalui aspirasi Bank untuk menjadi This is pursued through the Bank’s aspiration to
payment & transaction bank dengan menawarkan become a payment and transaction bank by offering CORPORATE
produk, layanan finansial, serta cross selling yang comprehensive financial products, services, and cross- GOVERNANCE
lengkap, sehingga pilihan produk bagi nasabah semakin selling opportunities, providing customers with a broader
beragam dan nasabah dapat bertransaksi di mana pun range of choices and enabling them to transact anywhere Sustainability
melalui layanan yang disediakan Bank. Saat ini, Bank through services provided by the Bank. Currently, the Report
juga sedang mengembangkan layanan prioritas. Bank is also developing its priority banking services;
3. Melalui Komite Pengarah Teknologi Informasi (TI), 3. Through the Information Technology (IT) Steering
menetapkan dan mengevaluasi rencana strategis TI, Committee, establishing and evaluating the Bank’s IT
memantau dan memastikan kebijakan serta standar strategic plan, monitoring and ensuring that policies
prosedur (termasuk sosialisasinya) terkait penggunaan and standard procedures (including their dissemination)
TI yang memadai bagi Bank, serta memastikan seluruh regarding the appropriate use of IT are in place, and
kegiatan penyelenggaraan TI sesuai dengan POJK No. ensuring that all IT operations comply with POJK No. 11
11 Tahun 2022 tentang Penyelenggaraan Teknologi of 2022 concerning the Implementation of Information
Informasi oleh Bank Umum. Technology by Commercial Banks;
4. Menjalankan rencana aksi keuangan berkelanjutan. 4. Implementing the sustainable finance action plan;
5. Memperkuat sumber daya manusia melalui rekrutmen 5. Strengthening human resources by recruiting for strategic
untuk posisi-posisi strategis. positions;
6. Melakukan penanganan kredit bermasalah sepanjang 6. Optimizing the resolution of non-performing loans
tahun 2024 secara optimal, baik melalui penagihan throughout 2024, through intensive collection efforts
intensif maupun eksekusi jaminan. and collateral execution;
7. Meningkatkan kualitas penerapan manajemen risiko 7. Improving the quality of credit risk management to mitigate
kredit agar potensi risiko kredit dapat dimitigasi dan potential credit risks and maintain the quality of borrowers’
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 276
kualitas kredit debitur tetap terkelola. Upaya perbaikan credit. Improvement efforts are focused on the credit
difokuskan pada proses inisiasi kredit melalui perbaikan initiation process through policy enhancements, credit
kebijakan, pemantauan kredit, hingga penanganan monitoring, and the handling of non-performing loans
kredit bermasalah pada seluruh segmen kredit, baik across all credit segments, including corporate, retail,
korporat, ritel, mikro, maupun konsumsi. micro, and consumer loans.
Pengembangan Kompetensi Direksi Board of Directors Competency Development
Kebijakan Policy
Bank Sinarmas telah memiliki kebijakan untuk memfasilitasi Bank Sinarmas has a policy to facilitate the Board of Directors’
Direksi mengikuti berbagai program pengembangan participation in various competency development programs.
kompetensi. Langkah ini dilakukan guna memastikan Direksi This step is taken to ensure that the Board of Directors has
memiliki kompetensi yang diperlukan untuk menjalankan the competencies needed to carry out its role effectively in
perannya secara efektif dalam mendukung kesuksesan dan supporting the success and sustainability of the Bank.
keberlanjutan Bank.
274 Realisasi
Realization
Information regarding the Board of Directors competency
Ikhtisar Kinerja
Informasi mengenai program pengembangan kompetensi development program in 2024 is disclosed as follows.
2024 Direksi pada tahun 2024 diungkapkan sebagai berikut.
Laporan Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Manajemen Name Position Competency Development Materials Venue/Date Organizer
Roxy Square
26 Januari 2024
Profil Motivational Session: Dream T.E.A.M Bank Sinarmas
Roxy Square
Perusahaan January 26, 2024
The Grand Mansion
Workshop Internal Audit Group: Kick Off Annual Audit 31 Januari 2024
Analisis dan Bank Sinarmas
Plan 2024 The Grand Mansion
Pembahasan January 31, 2024
Manajemen Seminar "Memperkuat Fondasi Transformasi Ekonomi, Hotel Indonesia Kempinski
Kebijakan Publik yang Iklusif dan Berkelanjutan" ISEI (Ikatan
20 Mei 2024
Seminar “Strengthening the Foundation of Economic Sarjana Ekonomi
Hotel Indonesia Kempinski
Tinjauan Transformation, Inclusive and Sustainable Public Indonesia
May 20, 2024
Pendukung Policy”
Bisnis Seminar Penyelerasan Manajemen Risiko Jenjang
7" Meningkatkan Efektifitas Penerapan Manajemen Online Training
Risiko untuk Mewujudkan Industri Perbankan yang 5-6 Juni 2024 BARa (Bankers
TATA KELOLA Berkelanjutan" Online Training Association for
Risk Management Alignment Seminar Level 7 “Improving June 5-6, 2024 Risk Management)
PERUSAHAAN the Effectiveness of Risk Management Implementation to
Realize a Sustainable Banking Industry”
Laporan Direktur Utama Sinar Mas Land Plaza,
Frenky Tower I Lantai 7
Keberlanjutan President
Tirtowijoyo Pembekalan Manajemen Risiko Jenjang 7 10 Juni 2024
Director Jms Education
Risk Management Briefing Level 7 Sinar Mas Land Plaza,
Tower I, 7th Floor
June 10, 2024
Hotel Indonesia Kempinski
Invitation Infobank-Backbase Power Breakfast: 18 Juli 2024
"Unveilling Economic Insight & Strategies for Infobank
Hotel Indonesia Kempinski
Tomorrow's Leaders" July 18, 2024
The Meru Sanul Hotel -
Denpasar
Perbanas CFO Forum II - 2024 "Navigating for 2 Agustus 2024
Sustainability: Financial Leadership in a Changing Perbanas
The Meru Sanul Hotel -
World" Denpasar
August 2, 2024
Jakarta
5-6 November 2024
Product Workshop Bank Sinarmas
Jakarta
November 5-6, 2024
Hotel Raffles
CEO Networking 2024 "Navigating Global Market 26 November 2-24 Pasar Modal
Forces Technology Innovation for Sustainable Raffles Hotel Indonesia
Business" November 26, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 277
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Development Materials Venue/Date Organizer
Bank Sinarmas Learning Center
15 Januari 2024 Bank Sinarmas
Google Workspace Bank Sinarmas Bank Sinarmas
January 15, 2024 Learning Center
Pertemuan koordinasi "Peran Pencegahan Hotel Intercotinental,
Direktur Retail dan Pemberantasan TPPU-TPPT-PPSPM dalam Jakarta Pondok Indah
Banking menyongsong Indonesia Emas 2045" 30 Januari 2024
Miko Andidjaja PPATK
Director of Coordination meeting “The Role of Prevention and Intercontinental Hotel,
Retail Banking Eradication of TPPU-TPPT-PPSPM in Welcoming Jakarta Pondok Indah
Golden Indonesia 2045” January 30, 2024
Tower 1 Lt. 8
27 Maret 2024 Mckinsey
WAVE Training Tower 1, 8th Floor
March 27, 2024
Pertemuan koordinasi "Optimalisasi Sinergi dan
Kolaborasi mewujudkan Pilkada Seretak Tahun 2024 Hotel Shangri La, Jakarta
yang mendukung Integrasi Bangsa" 7 Mei 2024 PPATK
Coordination meeting “Optimizing Synergy and Shangri La Hotel, Jakarta
Collaboration to Realize Simultaneous Regional May 7, 2024
Elections in 2024 that Support National Integration”
BRIlian Club
RUA FKDKP Tahun 2024
FKDKP RUA 2024
15 Mei 2024
BRIlian Club
May 15, 2024
FKDKP
275
Mandiri Club Banker 2024
Seminar Penyelarasan Manajemen Risiko Jenjang 7 21 Mei 2024 Association For
Level 7 Risk Management Alignment Seminar Mandiri Club Performance
Risk Management
May 21, 2024 Highlights
Mandiri Club Banker
Seminar Penyelarasan Manajemen Risiko Jenjang 7 22 Mei 2024 Association For
Level 7 Risk Management Alignment Seminar Mandiri Club Risk Management Management
May 22, 2024
Tower 1 Lt. 8 Report
Pembekalan Manajemen Risiko Jenjang 7 28 Mei 2024 Jms Education
Level 7 Risk Management Alignment Seminar Tower 1, 8th Floor
May 28, 2024
Company
Gedung PPATK Profile
Kegiatan "Rembuk Nasional" 6 Juni 2024 PPATK
“National Consultation” Activities PPATK Building
June 6, 2024
Penguatan Penerapan Program APU PPT dan PPPSPM Management
dalam rangka pemberantasan tindak kejahatan Menara Radius Prawiro Discussion and
ekonomi 8 Juli 2024 Analysis
OJK
Strengthening the Implementation of APU PPT and Menara Radius Prawiro
PPPSPM Programs in the context of eradicating July 8, 2024
economic crimes
Bank Sinarmas Learning Center Business
5 Agustus 2024 Bank Sinarmas Support
Enterprise Architecture Jump-start Bank Sinarmas Bank Sinarmas Overview
August 5, 2024 Learning Center
Jiexpo Convention Center
22 Agustus 2024 CORPORATE
Gencar Agent Banking OJK
Jiexpo Convention Center
August 22, 2024 GOVERNANCE
Swasana Lippo Kuningan
30 Agustus 2024
Townhall Bank Sinarmas
Swasana Lippo Kuningan Sustainability
August 30, 2024 Report
The Grand Mansion
18 September 2024
BSIM AI Day Bank Sinarmas
The Grand Mansion
September 18, 2024
ICE BSD
27 September 2024
Sinar Mas Digital Day 2024 Bank Sinarmas
ICE BSD
September 27, 2024
Event Bank Sinarmas Prioritas: Overseas Education GIOI Menteng PT Expert
Assistance with Expert Education 18 Oktober 2024 Education
Priority Bank Sinarmas Event: Overseas Education GIOI Menteng dan Jasa Visa
Assistance with Expert Education October 18, 2024 Indonesia
Aston Kartika Grogol
5-6 November 2024
Product Workshop 2024 Bank Sinarmas
Aston Kartika Grogol
November 5-6, 2024
Pesta Inklusif 2024 dalam rangka memperingati hari Taman Ismail Marzuki
disabilitas internasional 6 Desember 2024 OJK
Inclusive Party 2024 to commemorate International Taman Ismail Marzuki
Day of Disability December 6, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 278
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Development Materials Venue/Date Organizer
Bank Sinarmas
15 Januari 2024 Learning Center
Google Workspace Bank Sinarmas Bank Sinarmas
January 15, 2024
The St. Regis, Jakarta
Pertemuan Tahunan Industri Jasa Keuangan 2024 20 Februari 2024 OJK
Financial Services Industry Annual Meeting 2024 The St. Regis, Jakarta
February 20, 2024
Online Training
6 Maret 2024 Infobank Institute
Ai For Business Leaders Summit 2024 Online Training
March 6, 2024
The Tribata,
Dharmawangsa
7 Maret 2024 IDN Media
Fortune Indonesian summit 2024 The Tribata,
Dharmawangsa
March 7, 2024
Tower 1 Lt. 8
27 Maret 2024 Mckinsey
WAVE Training Tower 1, 8th Floor
276 March 27, 2024
Mandiri Club Banker
Seminar Penyelarasan Manajemen Risiko Jenjang 7 5 Juni 2024 Association For
Level 7 Risk Management Alignment Seminar Mandiri Club Risk Management
Ikhtisar Kinerja June 5, 2024
2024
Mandiri Club Banker
Direktur Seminar Penyelarasan Manajemen Risiko Jenjang 7 6 Juni 2024 Association For
Lending & Level 7 Risk Management Alignment Seminar Mandiri Club Risk Management
Laporan Ekajaya Ongny Wholesale June 6, 2024
Manajemen Putra Banking
Director of Pembekalan Resertifikasi Manajemen Risiko Jenjang Tower 1 Lt. 8
Lending & Kualifikasi VII (BSIM) 10 Juni 2024 Jms Education
Wholesale Risk Management Recertification Provision Tower 1, 8th Floor
Profil Banking Qualification Level VII (BSIM) June 10, 2024
Perusahaan
Bank Sinarmas Learning Center
5 Agustus 2024 Bank Sinarmas
Enterprise Architecture Jump-start Bank Sinarmas Bank Sinarmas
Analisis dan August 5, 2024 Learning Center
Pembahasan
Swasana Lippo Kuningan
Manajemen 30 Agustus 2024 Bank Sinarmas
Townhall Swasana Lippo Kuningan
August 30, 2024
Tinjauan
Tower 1 Lt. 8
Pendukung Pembekalan Sertifikasi Treasury Jenjang 7 13 September 2024 APUVINDO
Bisnis Treasury Certification Provision Level 7 Tower 1, 8th Floor
September 13, 2024
The Grand Mansion
TATA KELOLA 18 September 2024
PERUSAHAAN BSIM AI Day Bank Sinarmas
The Grand Mansion
September 18, 2024
Tower 1 Lt. 8
Laporan Sharing Session : Pemantapan Sertifikasi Treasury 20 September 2024
Keberlanjutan Bank Sinarmas
Sharing Session: Treasury Certification Strengthening Tower 1, 8th Floor
September 20, 2024
Bank Sinarmas
Sinar Mas Digital Day 2024 ICE BSD
Undangan High Level Meeting Bank Indonesia Four Season Jakarta Bank Indonesia
dengan APUVINDO 27 September 2024 9 Oktober 2024
Invitation to High Level Meeting of Bank Indonesia Four Seasons Jakarta Bank Indonesia
with APUVINDO September 27, 2024 October 9, 2024
Sheraton Mustika,
Yogyakarta PT Bank Rakyat
Treasury Banking Summit: "Deepening Financial 1-2 November 2024 Indonesia
Market Through Collaboration" Sheraton Mustika, (Persero)
Yogyakarta
November 1-2, 2024
Aston Kartika Grogol
5-6 November 2024
Product Workshop 2024 Bank Sinarmas
Aston Kartika Grogol
November 5-6, 2024
Singapore
Training NUS Executive Education: Welcome to Driving 25-29 November 2024 Nation University
Strategic Innovation Program Singapore of Singapore
November 25-29, 2024
Tower 1 Lt. 8
19 Desember 2924 Bank Sinarmas
Prioritization - Product Workshop Tower 1, 8th Floor
December 19, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 279
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Development Materials Venue/Date Organizer
Jakarta
15 Januari 2024
Google Workspace Bank Sinarmas
Jakarta
January 15, 2024
Jakarta
Pelatihan Relawan Tzu Chi 29 Februari 2024
Tzu Chi Volunteer Training Jakarta Bank Sinarmas
February 29, 2024
Online Training Banker
Seminar Penyelarasan Manajemen Risiko Jenjang 7 5-6 Juni 2024 Association For
Level 7 Risk Management Alignment Seminar Online Training Risk Management
June 5-6, 2024
Jakarta
Pembekalan Manajemen Risiko Jenjang 7 10 Juni i2024 JMS Education
Risk Management Briefing Level 7 Jakarta
June 10, 2024
Jakarta
5-8 Agustus 2024
Enterprise Architecture Jumpstart Bank Sinarmas
Jakarta
August 5-8, 2024
Jakarta
Direktur
Consumer
Fundamental Card Training 5-7 September 2024
Jakarta Bank Sinarmas 277
Business September 5-7, 2024
Enny Kamal Director of Jakarta
Consumer 2024
5-6 September 2024
Business Product Workshop Bank Sinarmas Performance
Jakarta
September 5-6, 2024 Highlights
Jakarta
Perlindungan Data Pribadi 6 September 2024 Bank Sinarmas
Personal Data Protection Jakarta Management
September 6, 2024
Report
Bogor
20-21 September 2024
Leadership, Produtivity, Motivation & Team Work Bank Sinarmas
Bogor
September 20-21, 2024 Company
Jakarta Profile
25-26 Sep 24
Training Coso Erm Bank Sinarmas
Jakarta
September 25-26, 2024
Management
Kerangka Kerja Terbaru Risiko Pasar Fundamental Jakarta Discussion and
Review Of Trading Book (frtb) 10-11 September 2024
Fundamental Review Of Trading Book (frtb) Market Jakarta Bank Sinarmas Analysis
Risk Latest Framework September 10-11, 2024
Bogor
Program Perlindungan Data Pribadi (pdp) 13-14 Desember 2024 Business
Bank Sinarmas
Personal Data Protection Program (pdp) Bogor Support
December 13-14, 2024 Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 280
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Development Materials Venue/Date Organizer
Sunnyvale, California, USA
28 Januari 2024 Juniper Networks,
Juniper Spine & Leaf Usa 2024 Sunnyvale, California, USA Inc
January 28, 2024
Jakarta
15 Januari 2024
Google Workspace Bank Sinarmas
Jakarta
January 15, 2024
Jakarta
Program Binus Internship 16-29 Februari 2024 Bank Sinarmas
Binus Internship Program Jakarta
February 16-29, 2024
San Jose, California, Usa
6-8 Februari 2024
F5 Worldapp 2024 F5, Inc
San Jose, California, USA
February 6-8, 2024
Singapura
29 April-1 Mei 1024 HPE Aruba
Aruba Edgeconnect Training Singapore Networking
April 29 - May 1, 2024
Jakarta
278 Product Workshop Simobiplus 14-29 Juni 2024
Jakarta Bank Sinarmas
June 14-29, 2024
Ikhtisar Kinerja Los Angeles, USA
2024 15 Juni 2024
Direktur Leadership Conference 2024 Vectra AI, Inc
Los Angeles, USA
Information June 15, 2024
Technology &
Laporan Digital Las Vegas, Nv, USA
Manajemen Sendy Experience 9-11 Juni 2024
Director of Pegaworld Inspire 2024 Pegasystems Inc
Las Vegas, Nv, USA
Information June 9-11, 2024
Technology &
Profil Digital Las Vegas, Nv, USA
Perusahaan Experience The Atmoshphere Edge Program At Hpe Discover 17-20 Juni 2024 HPE Aruba
2024 Las Vegas, Nv, USA Networking
June 17-20, 2024
Analisis dan Jakarta
Pembahasan 5-8 Agustus 2024
Enterprise Architecture Jumpstart Bank Sinarmas
Jakarta
Manajemen August 5-8, 2024
Online Training Bankers
Tinjauan Seminar Penyelarasan Manajemen Risiko Jenjang 7 4-5 September 2024 Association for
Level 7 Risk Management Alignment Seminar Online Training Risk Management
Pendukung September 4-5, 2024 (BARA)
Bisnis
Jakarta
Perlindungan Data Pribadi 6 September 2024 Bank Sinarmas
Personal Data Protection Jakarta
TATA KELOLA September 6, 2024
PERUSAHAAN
Online Training
Pembekalan Manajemen Risiko Jenjang 7 11 Oktober 2024 JMS Education
Risk Management Briefing Level 7 Online Training
Laporan October 11, 2024
Keberlanjutan
Singapura
14-15 Oktober 2024
Palo Alto Networks at Govware Palo Alto
Singapore
October 14-15, 2024
Jakarta
5-6 November 2024
Product Workshop Bank Sinarmas
Jakarta
November 5-6, 2024
Bogor
2-3 Desember 2024
One Way One Working Bank Sinarmas
Bogor
December 2-3, 2024
Jakarta
5-6 Desember 2024
One Vision One Working Bank Sinarmas
Jakarta
December 5-6, 2024
Singapura
15-18 Desember 2024 Juniper Networks,
Banking-Data Center Executive Briefinh Singapore Inc
December 15-18, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 281
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Development Materials Venue/Date Organizer
Online Training
Workshop Menyusun Financial Contingency Plan 29-30 Oktober 2024
Workshop on Developing a Financial Contingency GRC Management
Online Training
Plan October 29-30, 2024
Pusat Pelaporan
dan Analisis
Transaksi
Memerangi Judi Online Dan Kejahatan Baru Di Era Jakarta Keuangan - PPATK
Transaksi Digital 5.0 19 November 2024 Financial
Combating Online Gambling and New Crimes in the Jakarta Transaction
Era of Digital Transactions 5.0 November 19, 2024 Reports and
Analysis Center -
PPATK
Jakarta
Product Workshop 6 November 2024 Bank Sinarmas
Direktur Jakarta
Compliance November 6, 2024
& Risk Jakarta
Amandalia Management 5-6 November 2024
Johanes Director of Product Workshop Bank Sinarmas
Jakarta
Compliance November 5-6, 2024
& Risk
Management
Resolusi & Recovery Plan
Resolution & Recovery Plan
Jakarta
28-29 November 2024
Jakarta Bank Sinarmas 279
November 28-29, 2024
Kuala Lumpur 2024
11-13 November 2024 SCRUM ASIA Performance
APG Annual Tupologies Workshop Kuala Lumpur PASIFIK Highlights
November 11-13, 2024
Jakarta Otoritas Jasa
Risk And Governance Summit 2024: Strengthening 26 November 2024 Keuangan - OJK
Thr Grc Ecocystem In The Financial Sector To Support Management
Jakarta Financial Services
The Golden Indonesia 2024 Vision November 26, 2024 Authority - OJK Report
E-Learning
Workshop Menyusun Financial Contingency Plan 23-31 Desember 2024
Workshop on Developing a Financial Contingency Bank Sinarmas
E-Learning
Plan December 23-31, 2024 Company
Profile
Penilaian Komite di Bawah Direksi Assessment of Committees Under the Board of Management
Directors Discussion and
Analysis
Prosedur Penilaian Assessment Procedure
Direksi senantiasa melakukan penilaian terhadap kinerja The Board of Directors always assesses the performance Business
kepada organ pendukungnya, yakni Komite Manajemen of its supporting organs, namely the Risk Management Support
Risiko, ALCO, Komite Kebijakan Perkreditan, Komite Human Committee, ALCO, Credit Policy Committee, Human Capital Overview
Capital, Komite Information Technology, dan Komite Committee, Information Technology Committee, and
Manajemen Risiko Terintegrasi. Penilaian dilakukan secara Integrated Risk Management Committee. Assessments are CORPORATE
berkala setiap tahun. carried out periodically every year. GOVERNANCE
Prosedur penilaian komite dilakukan secara mandiri (self The committee assessment procedure is carried out Sustainability
assessment), tanpa melibatkan pihak ketiga. Penilaian independently (self-assessment), without involving third Report
tersebut diharapkan menjadi masukan untuk peningkatan parties. The assessment is expected to be input for improving
kinerja ke depan. future performance.
Kriteria Penilaian Assessment Criteria
Kriteria yang digunakan dalam penilaian tersebut, yakni: The criteria used in the assessment are:
1. Pelaksanaan tugas dan tanggung jawab selama tahun 1. Implementation of duties and responsibilities in 2024;
2024;
2. Rekomendasi yang diberikan; dan 2. Recommendations given; and
3. Tingkat kehadiran dalam masing-masing rapat komite. 3. Level of attendance at each committee meeting.
Hasil Penilaian Assessment Results
Berdasarkan hasil penilaian di tahun 2024, Direksi Based on the assessment results in 2024, the Board
menyatakan bahwa komite-komite telah menjalankan tugas of Directors stated that the committees had carried out
dan tanggung jawabnya dengan baik dan telah berkontribusi their duties and responsibilities well and had contributed
dalam mendukung pelaksanaan tugas dan tanggung jawab to supporting the implementation of the duties and
Direksi. responsibilities of the Board of Directors.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 282
TRANSPARANSI INFORMASI TENTANG
DEWAN KOMISARIS DAN DIREKSI
Transparency of Information on
the Board of Commissioners and Board of Directors
Kebijakan Pemisahan Komisaris Utama dan Policy on Separation of the President
Direktur Utama Commissioner and President Director
Bank Sinarmas telah memisahkan tugas dan fungsi Bank Sinarmas has separated the duties and functions of the
Komisaris Utama dengan Direktur Utama, mengingat Bank President Commissioner from the President Director for the
280 menggunakan sistem two tier dalam organisasi pengurusan
Bank. Pada prinsipnya, tugas dan fungsi Komisaris Utama
Bank adopts a two-tier system in the Bank’s management
organization. In principle, the duties and functions of the
Ikhtisar Kinerja
adalah mengoordinasikan tanggung jawab atas seluruh President Commissioner are to coordinate responsibility for
2024 pengawasan dan pemberian nasihat terhadap pelaksanaan all supervision and providing advice on the implementation
pengelolaan Bank yang dijalankan oleh Direksi. of Bank management run by the Board of Directors.
Laporan
Manajemen Sementara Direktur Utama, memimpin pelaksanaan tanggung Meanwhile, the President Director leads the implementation
jawab atas seluruh tugas Direksi dalam mengelola Bank. of responsibility for all duties of the Board of Directors in
Profil Tugas dan fungsi ini dijalankan dengan memperhatikan span managing the Bank. These duties and functions are carried
Perusahaan
of control dan mengarahkan, mengawasi serta melakukan out with due attention to the span of control and directing,
evaluasi secara langsung unit kerja Internal Audit, Finance supervising and conducting direct evaluations of the Internal
Analisis dan
Pembahasan & Performance Management, Human Capital Management, Audit, Finance & Performance Management, Human Capital
Manajemen Operations, Electronic Channel Operations, Procurement, Management, Operations, Electronic Channel Operations,
Corporate Strategic Planning, Corporate Secretary dan Procurement, Corporate Strategic Planning, Corporate
Tinjauan Corporate Liaison. Secretary and Corporate Liaison work units.
Pendukung
Bisnis
Hal ini selaras dengan peraturan perundang-undangan yang This aligns with applicable laws and regulations, among
TATA KELOLA berlaku. Di antaranya, Undang-Undang Cipta Kerja No. 11 which are the Job Creation Law No. 11 of 2020, which
PERUSAHAAN tahun 2020, yang mengubah Pasal 1 angka 2, 5, 6 Undang- amends Article 1 numbers 2, 5, 6 of the Limited Liability
Undang Perseroan Terbatas No. 40/2007 Pasal 1 angka 1, 2, Company Law No. 40/2007 Article 1 numbers 1, 2, 5, and 6
Laporan 5, dan 6 yang menegaskan: Organ Perseroan adalah Rapat which emphasize: The Company’s organs are the General
Keberlanjutan Umum Pemegang Saham, Direksi, dan Dewan Komisaris. Meeting of Shareholders, the Board of Directors, and the
Board of Commissioners.
Lebih lanjut diuraikan, Direksi adalah Organ Perseroan yang Further explained, the Board of Directors is the Company
berwenang dan bertanggung jawab penuh atas pengurusan Organ that has the authority and is fully responsible for
Perseroan untuk kepentingan Perseroan, sesuai dengan managing the Company for the interests of the Company,
maksud dan tujuan Perseroan serta mewakili Perseroan, in accordance with the intent and purpose of the Company
baik di dalam maupun di luar pengadilan sesuai dengan and representing the Company, both inside and outside the
ketentuan anggaran dasar. court in accordance with the provisions of the articles of
association.
Sedangkan Dewan Komisaris adalah Organ Perseroan Meanwhile, the Board of Commissioners is the Company
yang bertugas melakukan pengawasan secara umum dan/ Organ tasked with carrying out general and/or specific
atau khusus sesuai dengan anggaran dasar serta memberi supervision in accordance with the articles of association
nasihat kepada Direksi. and providing advice to the Board of Directors.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 283
Rincian tugas masing-masing antara Komisaris Utama dan The details of the respective duties of the President
Direktur Utama telah uraikan dalam bab “Dewan Komisaris” Commissioner and the President Director have been
dan “Direksi” yang terdapat dalam bab “Tata Kelola described in the chapters “Board of Commissioners” and
Perusahaan” ini. “Board of Directors” contained in this chapter “Corporate
Governance”.
Komisaris Utama Direktur Utama
President Commissioner President Director
Tugas dan tanggung Jawab Komisaris Utama Bank Sinarmas, yakni: Tugas dan tanggung Jawab Direktur Utama Bank Sinarmas, yakni:
1. Mengoordinasikan pelaksanaan tugas dan tanggung jawab Dewan
Komisaris; Bertanggung jawab atas seluruh tugas Direksi dengan memperhatikan
2. Memimpin rapat Dewan Komisaris; span of control dan mengarahkan, mengawasi serta melakukan evaluasi
3. Memimpin RUPS; secara langsung:
4. Menyampaikan Laporan Pengawasan untuk mendapatkan persetujuan - Unit Kerja Finance & Performance Management;
RUPS Tahunan atas pelaksanaan tugas dan pengawasan Dewan - Human Capital Management;
Komisaris. - Internal Audit;
5. Memastikan bahwa pelaksanaan tanggung jawab Dewan Komisaris - Corporate Secretary;
telah dilaksanakan sesuai prosedur. - Corporate Liaison; dan
6. Memastikan bahwa rapat Dewan Komisaris melakukan pengambilan
keputusan secara efektif berdasarkan informasi yang benar dan
- Corporate Strategic Program and Development.
281
lengkap, termasuk memastikan bahwa: Duties and Responsibilities of the President Director of Bank Sinarmas,
a. Semua isu-isu strategis dan penting menjadi bahan pertimbangan namely:
2024
oleh Dewan Komisaris;
b. Permasalahan yang ada dibahas dengan seksama dan teliti; Responsible for all duties of the Board of Directors by paying attention
Performance
c. Semua anggota Dewan Komisaris diberi kesempatan untuk to the span of control and directing, supervising, and conducting direct Highlights
berkontribusi secara efektif; evaluations:
d. Setiap Komisaris menerima informasi yang relevan secara tepat - Finance & Performance Management Work Unit;
waktu, termasuk diberi penjelasan singkat mengenai isu-isu yang - Human Capital Management; Management
akan dibahas dalam rapat Dewan Komisaris; - Internal Audit; Report
e. Rapat Dewan Komisaris menghasilkan keputusan-keputusan yang - Corporate Secretary;
jelas dan dicatat dalam notulen rapat; dan - Corporate Liaison; and
f. Melakukan evaluasi akhir dengan mempertimbangkan rekomendasi - Corporate Strategic Program and Development. Company
Komite Remunerasi dan Nominasi, atas hasil penilaian kinerja
Profile
kolegial Dewan Komisaris dan komitenya serta penilaian kinerja
individu atas setiap anggota Dewan Komisaris dan anggota komite-
komitenya.
Management
Duties and Responsibilities of the President Commissioner of Bank Discussion and
Sinarmas, namely: Analysis
1. Coordinating the implementation of the duties and responsibilities of
the Board of Commissioners;
2. Chairing the Board of Commissioners meeting; Business
3. Chairing the GMS; Support
4. Submitting the Supervisory Report to obtain approval from the Annual Overview
GMS for the implementation of the duties and supervision of the Board
of Commissioners.
5. Ensuring that the implementation of the Board of Commissioners’
responsibilities has been carried out according to procedure. CORPORATE
6. Ensuring that the Board of Commissioners meeting makes resolutions GOVERNANCE
effectively based on correct and complete information, including
ensuring that:
a. All strategic and important issues are considered by the Board of Sustainability
Commissioners; Report
b. Existing problems are discussed carefully and thoroughly;
c. All members of the Board of Commissioners are given the
opportunity to contribute effectively;
d. Each Commissioner receives relevant information in a timely
manner, including being given a brief explanation of the issues to
be discussed in the Board of Commissioners meeting;
e. The Board of Commissioners meeting produces clear resolutions
and is recorded in the minutes of the meeting; and
f. Conduct a final evaluation by considering the recommendations of
the Remuneration and Nomination Committee on the results of the
collegial performance assessment of the Board of Commissioners
and its committees as well as the individual performance
assessment of each member of the Board of Commissioners and
members of its committees.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 284
Penilaian Kinerja Dewan Komisaris dan Direksi Performance Assessment of the Board of
[GRI 2-18] Commissioners and the Board of Directors [GRI 2-18]
Prosedur Penilaian Kinerja Performance Assessment Procedure
Penilaian kinerja Dewan Komisaris dan Direksi secara The collegial performance assessment of the Board of
kolegial dilakukan sebagai bagian dari self-assessment Commissioners and Board of Directors is carried out as
GCG. Penilaian tersebut dilakukan secara periodik setiap part of the GCG self-assessment. The assessment is carried
semester, yaitu posisi penilaian bulan Juni dan Desember out periodically every semester, namely the assessment
pada tahun berjalan, dengan melibatkan Dewan Komisaris, positions in June and December in the current year, involving
Pihak Independen, Direksi, Pejabat Eksekutif dan fungsi- the Board of Commissioners, Independent Parties, Board of
fungsi independen, yang dikoordinasi oleh Satuan Kerja Directors, Executive Officers, and independent functions,
kepatuhan. which are coordinated by the Compliance Work Unit.
Sementara itu, penilaian kinerja Dewan Komisaris secara Meanwhile, the individual performance assessment of
individu dilakukan setiap tahun oleh Komisaris Utama the Board of Commissioners is carried out annually by
282 berdasarkan tolak ukur yang telah disepakati oleh masing-
masing anggota Dewan Komisaris. Penilaian kinerja Direksi
the President Commissioner based on benchmarks that
have been agreed upon by each member of the Board of
Ikhtisar Kinerja
secara individu dilakukan oleh Dewan Komisaris dengan Commissioners. The individual performance assessment
2024 melibatkan Komite Remunerasi dan Nominasi. of the Board of Directors is carried out by the Board
of Commissioners by involving the Remuneration and
Laporan Nomination Committee.
Manajemen
Dasar/Kriteria Penilaian Kinerja Basis/Criteria for Performance Assessment
Profil Penilaian kinerja Dewan Komisaris dilakukan dengan The performance assessment of the Board of Commissioners
Perusahaan
mempertimbangkan beberapa hal, seperti: is carried out by considering several things, such as:
1. Struktur dan komposisi Dewan Komisaris; 1. Structure and composition of the Board of Commissioners;
Analisis dan
Pembahasan 2. Efektivitas pelaksanaan program kerja komite-komite di 2. Effectiveness of the implementation of the work programs
Manajemen bawah Dewan Komisaris; of the committees under the Board of Commissioners;
3. Pengawasan pelaksanaan strategi dan pengelolaan 3. Supervision of the implementation of the company’s
Tinjauan perusahaan; strategy and management;
Pendukung
Bisnis
4. Penerapan tata kelola perusahaan yang baik; dan 4. Implementation of good corporate governance; and
5. Penerapan manajemen risiko dan pengendalian internal 5. Implementation of risk management and internal control
TATA KELOLA dalam menghadapi potensi risiko. in dealing with potential risks.
PERUSAHAAN
Sementara itu, penilaian kinerja Direksi dilakukan dengan Meanwhile, the Board of Directors’ performance assessment
Laporan memperhatikan beberapa aspek, yakni: is carried out by considering several aspects, namely:
Keberlanjutan 1. Penetapan target Bank; 1. Determination of the Bank’s targets;
2. Penyusunan strategi dan rencana bisnis Bank ke 2. Preparation of the Bank’s future strategies and business
depannya; plans;
3. Implementasi strategi pengelolaan Bank; 3. Implementation of the Bank’s management strategy;
4. Penerapan kebijakan pengendalian internal dan 4. Implementation of internal control and risk management
manajemen risiko. policies.
Hasil Penilaian Kinerja Performance Assessment Results
Hasil self-assessment GCG Dewan Komisaris dan Direksi The results of the GCG self-assessment of the Board of
tahun 2024 menunjukkan nilai komposit 2 atau “Baik”. Hasil Commissioners and Board of Directors in 2024 showed
evaluasi kinerja terhadap Dewan Komisaris dan Direksi a composite value of 2 or “Good”. The results of the
kemudian disampaikan kepada Pemegang Saham melalui performance evaluation of the Board of Commissioners and
mekanisme RUPS dalam bentuk Laporan Tugas Pengawasan Board of Directors were then submitted to Shareholders
Dewan Komisaris dan Laporan Direksi Bank. Laporan- through the GMS mechanism in the form of the Board of
laporan tersebut selanjutnya menjadi dasar pertimbangan Commissioners Supervisory Task Report and the Bank’s
Komite Remunerasi dan Nominasi dalam memberikan Board of Directors Report. These reports then become
rekomendasi kepada Dewan Komisaris untuk mengangkat the basis for consideration by the Remuneration and
kembali anggota Dewan Komisaris dan Direksi serta sebagai Nomination Committee in providing recommendations to
bahan pertimbangan untuk menyusun struktur remunerasi. the Board of Commissioners to reappoint members of the
Board of Commissioners and Board of Directors and as a
consideration for compiling the remuneration structure.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 285
Pelaksanaan Rapat Dewan Komisaris dan Implementation of Board of Commissioners and
Direksi Board of Directors Meetings
Rapat Dewan Komisaris Board of Commissioners Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 In accordance with the provisions of the Financial Services
tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum, Authority Regulation No. 17 of 2023 concerning the
Dewan Komisaris wajib menyelenggarakan rapat internal Implementation of Governance for Commercial Banks,
paling sedikit 1 (satu) kali dalam 2 (dua) bulan. Namun, rapat the Board of Commissioners is required to hold internal
tersebut dapat dilangsungkan apabila dihadiri mayoritas dari meetings at least once every 2 (two) months. However, the
seluruh anggota Dewan Komisaris. meeting can be held if attended by a majority of all members
of the Board of Commissioners.
Selain itu, Dewan Komisaris wajib mengadakan rapat
bersama Direksi secara berkala setidaknya 1 (satu) kali dalam In addition, the Board of Commissioners is required to hold
4 (empat) bulan. Pada tahun 2024, Dewan Komisaris telah regular meetings with the Board of Directors at least once
menyelenggarakan sebanyak 6 (enam) kali rapat internal every 4 (four) months. In 2024, the Board of Commissioners
dan 11 kali rapat gabungan bersama Direksi, dengan tingkat
kehadiran sebagai berikut.
held 6 (six) internal meetings and 11 joint meetings with the
Board of Directors, with the following attendance levels.
283
2024
Rapat Internal Dewan Komisaris Rapat Gabungan dengan Direksi Performance
Internal Meeting of the Board of Joint Meeting with the Board of RUPS Highlights
Commissioners Directors
Nama Jabatan Tingkat Tingkat Tingkat
Name Position Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah Management
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran Report
(%) (%) (%)
Number of Number of Number of Number of Number of Number of
Attendance Attendance Attendance
Meetings Attendance Meetings Attendance Meetings Attendance
Level (%) Level (%) Level (%)
Company
Komisaris
Tjendrawati Utama Profile
6 6 100 11 11 100 2 2 100
Widjaja President
Commissioner
Management
Komisaris Discussion and
Sammy Independen
6 6 100 11 11 100 2 2 100 Analysis
Kristamuljana Independent
Commissioner
Komisaris Business
Independen Support
Rusmin 6 6 100 11 11 100 2 1 50
Independent Overview
Commissioner
CORPORATE
Informasi mengenai pelaksanaan rapat Dewan Komisaris, Information regarding the implementation of the Board of GOVERNANCE
mulai dari tanggal, peserta, dan agenda diungkapkan pada Commissioners meeting, starting from the date, participants,
tabel berikut. and agenda is disclosed in the following table. Sustainability
Report
Tanggal Peserta
Agenda
Date Participant
1. Human Capital
2. Tindak Lanjut Temuan Satuan Kerja Audit Intern (SKAI)
- Tjendrawati Widjaja
12 Februari 2024 3. Profil Risiko Bank & UUS Posisi 31 Desember 2023
- Sammy Kristamuljana
February 12, 2024 1. Human Capital
- Rusmin
2. Follow-up on Internal Audit Work Unit (SKAI) Findings
3. Bank & UUS Risk Profile Position December 31, 2023
1. Human Capital
2. Tindak Lanjut Temuan Satuan Kerja Audit Intern (SKAI)
- Tjendrawati Widjaja
30 April 2024 3. Profil Risiko Bank & UUS Posisi 31 Maret 2024
- Sammy Kristamuljana
April 30, 2024 1. Human Capital
- Rusmin
2. Follow-up on Internal Audit Work Unit (SKAI) Findings
3. Bank & UUS Risk Profile Position March 31, 2024
1. Masa Jabatan Komite
- Tjendrawati Widjaja
12 Juni 2024 2. Tugas dan Tanggung Jawab Komite
- Sammy Kristamuljana
June 12, 2024 1. Term of Office of the Committee
- Rusmin
2. Duties and Responsibilities of the Committee
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 286
Tanggal Peserta
Agenda
Date Participant
1. Human Capital
2. Tindak Lanjut Temuan Internal
3. Tindak Lanjut Temuan Eksternal
4. IT Security dan Penerapan Data Governance di Bank Sinarmas
5. Profil Risiko Bank & UUS Posisi 30 Juni 2024
- Tjendrawati Widjaja
30 Agustus 2024 6. Overview Penanganan Restrukturisasi Kredit Bermasalah Periode 31 Juli 2024
- Sammy Kristamuljana
August 30, 2024 1. Human Capital
- Rusmin
2. Follow-up on Internal Findings
3. Follow-up on External Findings
4. IT Security and Implementation of Data Governance at Bank Sinarmas
5. Bank & UUS Risk Profile Position June 30, 2024
6. Overview of Handling of Non-Performing Loan Restructuring Period July 31, 2024
1. Human Capital
2. Tindak Lanjut Temuan Internal
3. Tindak Lanjut Temuan Eksternal
4. Laporan Penerapan Strategi Anti Fraud PT. Bank Sinarmas Tbk. Periode Triwulan II dan III
Tahun 2024 (SAF)
- Tjendrawati Widjaja
31 Oktober 2024 5. Evaluasi Risiko terkait Transaksi di Treasury (Risiko Pasar, Likuiditas & Operasional)
- Sammy Kristamuljana
October 31, 2024 1. Human Capital
284 - Rusmin
2. Follow-up on Internal Findings
3. Follow-up on External Findings
4. Report on the Implementation of PT. Bank Sinarmas Tbk’s. Anti-Fraud Strategy for the Second
Ikhtisar Kinerja and Third Quarters of 2024 (SAF)
2024 5. Evaluation of Risks Related to Transactions in Treasury (Market, Liquidity & Operational Risks)
1. Rencana Audit Laporan Keuangan PT. Bank Sinarmas Tbk. Tahun 2024
- Tjendrawati Widjaja
Laporan 23 Desember 2024 2. Annual Audit Plan 2025
- Sammy Kristamuljana
Manajemen December 23, 2024 1. Financial Statement Audit Plan of PT. Bank Sinarmas Tbk. Year 2024
- Rusmin
2. Annual Audit Plan 2025
Profil
Perusahaan
Rapat Direksi Board of Directors Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. In accordance with the provisions of Financial Services
Analisis dan
Pembahasan 17 tahun 2023 tentang Penerapan Tata Kelola bagi Bank Authority Regulation No. 17 of 2023 concerning the
Manajemen Umum, Direksi wajib menyelenggarakan rapat internal Implementation of Governance for Commercial Banks, the
paling sedikit 1 kali dalam setiap bulan, serta rapat bersama Board of Directors is required to hold an internal meeting
Tinjauan Dewan Komisaris setidaknya 1 kali dalam 4 bulan. Direksi at least once a month and a joint meeting with the Board of
Pendukung
Bisnis
wajib menghadiri kedua rapat tersebut. Apabila berhalangan Commissioners at least once every 4 months. The Board of
hadir, maka wajib memberitahukan kepada Direksi lainnya/ Directors is required to attend both meetings. If unable to
TATA KELOLA Corporate Secretary. Pada tahun 2024, Direksi telah attend, it is mandatory to notify the other Board of Directors/
PERUSAHAAN menyelenggarakan sebanyak 19 kali rapat internal dan 11 kali Corporate Secretary. In 2024, the Board of Directors held
rapat gabungan bersama Dewan Komisaris, dengan tingkat 19 internal meetings and 11 joint meetings with the Board of
Laporan kehadiran sebagai berikut. Commissioners, with the following attendance levels.
Keberlanjutan
Rapat Gabungan dengan
Rapat Internal Direksi
Dewan Komisaris RUPS
Internal Meeting of the Board of
Joint Meeting with the Board of GMS
Directors
Commissioners
Nama Jabatan
Name Position Tingkat Tingkat Tingkat
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
(%) (%) (%)
Number of Number of Number of Number of Number of Number of
Attendance Attendance Attendance
Meetings Attendance Meetings Attendance Meetings Attendance
Level (%) Level (%) Level (%)
Direktur Utama
Frenky
President 19 16 84 11 11 100 2 2 100
Tirtowijoyo
Director
Direktur Retail
Miko Banking
19 17 89 11 10 91 2 2 100
Andidjaja Director of
Retail Banking
Direktur
Lending &
Wholesale
Ekajaya Banking
19 16 84 11 10 91 2 1 50
Ongny Putra Director of
Lending &
Wholesale
Banking
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Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
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Rapat Gabungan dengan
Rapat Internal Direksi
Dewan Komisaris RUPS
Internal Meeting of the Board of
Joint Meeting with the Board of GMS
Directors
Commissioners
Nama Jabatan
Name Position Tingkat Tingkat Tingkat
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
(%) (%) (%)
Number of Number of Number of Number of Number of Number of
Attendance Attendance Attendance
Meetings Attendance Meetings Attendance Meetings Attendance
Level (%) Level (%) Level (%)
Direktur
Consumer
Business
Enny Kamal 19 18 95 11 11 100 2 2 100
Director of
Consumer
Business
Direktur
Information
Technology &
Digital
Experience
Sendy 19 18 95 11 11 100 2 2 100
Director of
Information
285
Technology &
Digital
2024
Experience
Performance
Direktur Highlights
Compliance
& Risk
Amandalia Management Management
3 2 1 11 1 100 2 - -
Johanes* Director of Report
Compliance
& Risk
Management
Company
*: Diangkat melalui RUPS Luar Biasa, 28 Oktober 2024 Profile
*: Appointed through Extraordinary GMS, October 28, 2024
Management
Informasi mengenai pelaksanaan rapat Direksi, mulai dari Information regarding the implementation of the Board of Discussion and
tanggal, peserta, dan agenda diungkapkan pada tabel Directors meeting, starting from the date, participants, and Analysis
berikut. agenda is disclosed in the following table.
Business
Tanggal Peserta Support
Agenda Overview
Date Participant
- Frenky Tirtowijoyo 1. Consumer Loan
11 Januari 2024 - Ekajaya Ongny Putra 2. Payment & Transaction
CORPORATE
January 11, 2024 - Enny Kamal 3. Performance Report Treasury & FI
GOVERNANCE
- Sendy 4. New Product Way of Working - IT
1. Kartu Kredit
- Frenky Tirtowijoyo
2. Micro Small & Medium Enterprise Business Sustainability
- Miko Andidjaja
18 Januari 2024 3. Deposit Product Report
- Ekajaya Ongny Putra
January 18, 2024 1. Credit Card
- Enny Kamal
2. Micro Small & Medium Enterprise Business
- Sendy
3. Deposit Product
- Frenky Tirtowijoyo
1 Februari 2024 - Miko Andidjaja 1. Dashboard & Report Automation Shares
February 1, 2024 - Enny Kamal 2. Priority Banking
- Sendy
1. Priority Banking
2. Project Initiatives Corporate Banking
3. Unified Registration (UR) and Branch & Operation System (BOS)
- Frenky Tirtowijoyo 4. Payment & Transaction
15 Februari 2024 - Ekajaya Ongny Putra 5. Penyusunan KPI BOD tahun 2024
February 15, 2024 - Enny Kamal 1. Priority Banking
- Sendy 2. Project Initiatives Corporate Banking
3. Unified Registration (UR) and Branch & Operation System (BOS)
4. Payment & Transactions
5. Preparation of BOD KPIs in 2024
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 288
Tanggal Peserta
Agenda
Date Participant
- Frenky Tirtowijoyo
- Miko Andidjaja
14 Maret 2024
- Ekajaya Ongny Putra 1. Materi Entry Meeting dengan Regulator
March 14, 2024
- Enny Kamal 1. Entry Meeting Material with Regulators
- Sendy
1. Artificial Intelligence (AI) untuk KTA
2. Customer Centricity Project
- Frenky Tirtowijoyo 3. Rencana Contact Center Telemarketing & Consumer Protection Tahun 2024
18 April 2024 - Ekajaya Ongny Putra 4. Security Services
April 18, 2024 - Enny Kamal 1. Artificial Intelligence (AI) for KTA
- Sendy 2. Customer Centricity Project
3. Telemarketing & Consumer Protection Contact Center Plan 2024
4. Security Services
1. Product Workshop 2024
2. Simobi Plus Marketing Plan
- Frenky Tirtowijoyo
3. Kinerja Bisnis Digital Sales & Marketing
- Miko Andidjaja
30 Mei 2024 4. Product Deposit & Investment Periode April 2024
- Ekajaya Ongny Putra
May 30, 2024 1. Product Workshop 2024
- Enny Kamal
286 - Sendy
2. Simobi Plus Marketing Plan
3. Digital Sales & Marketing Business Performance
4. Product Deposit & Investment Period April 2024
Ikhtisar Kinerja 1. Struktur Organisasi
2024 2. Investment Product Plan Simobi Plus
- Frenky Tirtowijoyo 3. Kesiapan Pelaksanaan UU PDP
13 Juni 2024 - Ekajaya Ongny Putra 4. Kick-off Project Data Stakeholders, Business Glossary and Data Lineage Formation
Laporan
June 13, 2024 - Enny Kamal 1. Organizational Structure
Manajemen - Sendy 2. Simobi Plus Investment Product Plan
3. Readiness for the Implementation of the PDP Law
Profil 4. Kick-off Project Data Stakeholders, Business Glossary and Data Lineage Formation
Perusahaan - Frenky Tirtowijoyo
1. Update project IT - Product Workshop Mid 2024
27 Juni 2024 - Ekajaya Ongny Putra
2. Credit Administration Control
June 27, 2024 - Enny Kamal
Analisis dan 3. Agent Banking
- Sendy
Pembahasan
Manajemen 1. Pemeriksaan Regulator Kredit
- Frenky Tirtowijoyo
2. Service Quality
- Miko Andidjaja
4 Juli 2024 3. HUT Bank ke 35
Tinjauan - Ekajaya Ongny Putra
July 4, 2024 1. Credit Regulator Examination
- Enny Kamal
Pendukung 2. Service Quality
- Sendy
Bisnis 3. Bank’s 35th Anniversary
1. Hasil pemeriksaan regulator - IT, Market Liquidity dan Treasury
- Frenky Tirtowijoyo
TATA KELOLA 2. Consumer Loan
- Miko Andidjaja
PERUSAHAAN 11 Juli 2024 3. Micro Small and Medium Enterprise Business
- Ekajaya Ongny Putra
July 11, 2024 1. Regulatory inspection results - IT, Market Liquidity and Treasury
- Enny Kamal
2. Consumer Loans
- Sendy
Laporan 3. Micro Small and Medium Enterprise Business
Keberlanjutan
- Miko Andidjaja
1. Business Performance Channeling & Joint Financing
15 Agustus 2024 - Ekajaya Ongny Putra
2. Contact Center Platform
August 15, 2024 - Enny Kamal
3. IT Projects Update
- Sendy
1. APU PPT & PPPSPM
2. Pusat Penanganan Penipuan Transaksi Keuangan (PUSAKA)
- Frenky Tirtowijoyo 3. Treasury & FI
12 September 2024 - Miko Andidjaja 4. MSME Performance
September 12, 2024 - Ekajaya Ongny Putra 1. APU PPT & PPPSPM
- Sendy 2. Financial Transaction Fraud Handling Center (PUSAKA)
3. Treasury & FI
4. MSME Performance
- Frenky Tirtowijoyo
- Miko Andidjaja 1. ATM Machine
19 September 2024
- Ekajaya Ongny Putra 2. Brand Health Tracking plan
September 19, 2024
- Enny Kamal 3. Update Project IT
- Sendy
1. Kartu Kredit
- Frenky Tirtowijoyo 2. Payment & Transaction
3 Oktober 2024 - Miko Andidjaja 3. Company Device untuk Mobile Workforce
October 3, 2024 - Enny Kamal 1. Credit Card
- Sendy 2. Payment & Transaction
3. Company Device for Mobile Workforce
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Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 289
Tanggal Peserta
Agenda
Date Participant
1. Securities Service Financial Performance as of September 2024
2. Corporate Banking Business Solution
3. Consent Penawaran Produk/Layanan ke Sarana Komunikasi Pribadi
4. Employee engagement survey bank sinarmas
- Frenky Tirtowijoyo 5. Perubahan syarat penilaian kinerja untuk promosi
17 Oktober 2024 - Miko Andidjaja 6. Lain-lain (terkait pelaksanaan undang-undang perlindungan data pribadi)
October 17, 2024 - Ekajaya Ongny Putra 1. Securities Service Financial Performance as of September 2024
- Enny Kamal 2. Corporate Banking Business Solution
3. Consent to Product/Service Offerings to Personal Communication Facilities
4. Bank Sinarmas Employee Engagement Survey
5. Changes to Performance Assessment Requirements for Promotion
6. Others (Related to the Implementation of Personal Data Protection Law)
1. IT Service Survey Result H2 2024
2. IT Project Update
3. Sales Management System
- Frenky Tirtowijoyo
4. Program Nasabah Prioritas
- Ekajaya Ongny Putra
31 Oktober 2024 5. Update Journey Increase
- Enny Kamal
October 31, 2024 1. IT Service Survey Results H2 2024
- Sendy
2. IT Project Update
- Amandalia Johanes
3. Sales Management System
4. Priority Customer Program
287
5. Update Journey Increase
2024
1. Consumer Loan
Performance
2. Deposit Investment Insurance & Customer Care
- Frenky Tirtowijoyo Highlights
3. Branch & Acquisition Initiatives 2025
- Miko Andidjaja
14 November 2024 4. Card Management System
- Ekajaya Ongny Putra
November 14, 2024 1. Consumer Loans
- Enny Kamal Management
2. Deposit Investment Insurance & Customer Care
- Sendy
3. Branch & Acquisition Initiatives 2025 Report
4. Card Management System
- Miko Andidjaja
- Ekajaya Ongny Putra Company
12 Desember 2024 1. Credit Management Profile
- Enny Kamal
December 12, 2024 2. Document Approval System (DASI)
- Sendy
- Amandalia Johanes
Management
Discussion and
Informasi mengenai pelaksanaan rapat Direksi bersama Information regarding the implementation of the Board of Analysis
Dewan Komisaris, mulai dari tanggal, peserta, dan agenda Directors’ meeting with the Board of Commissioners, starting
diungkapkan pada tabel berikut. from the date, participants, and agenda is disclosed in the Business
following table. Support
Overview
Tanggal Peserta
Agenda
Date Participant CORPORATE
Direksi GOVERNANCE
Board of Directors 1. Kinerja Bank Periode Desember 2023
- Frenky Tirtowijoyo 2. Update Internal Audit
- Miko Andidjaja 3. Treasury & FI Sustainability
- Ekajaya Ongny Putra 4. Corporate Banking Business Solution Report
25 Januari 2024 - Enny Kamal 5. Penanganan Kredit Bermasalah
January 25, 2024 - Sendy 1. Bank Performance for the Period of December 2023
Dewan Komisaris 2. Internal Audit Update
Board of Commissioners 3. Treasury & FI
- Tjendrawati Widjaja 4. Corporate Banking Business Solution
- Sammy Kristamuljana 5. Handling of Non-Performing Loan
- Rusmin
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 290
Tanggal Peserta
Agenda
Date Participant
Direksi
Board of Directors
1. Deklarasi Anti Fraud Manajemen dan Komite Anti Fraud
- Frenky Tirtowijoyo
2. Kinerja Bank Periode Januari 2024
- Miko Andidjaja
3. Compliance Update
- Ekajaya Ongny Putra
4. Simobi Plus
22 Februari 2024 - Enny Kamal
1. Anti-Fraud Management Declaration and Anti-Fraud Committee
February 22, 2024 - Sendy
2. Bank Performance for January 2024
Dewan Komisaris
3. Compliance Update
Board of Commissioners
4. Simobi Plus
- Tjendrawati Widjaja
- Sammy Kristamuljana
- Rusmin
Direksi
Board of Directors
- Frenky Tirtowijoyo
1. Human Capital Management
- Miko Andidjaja
2. Kinerja Bank Periode Februari 2024
- Ekajaya Ongny Putra
3. Kantor Cabang Rugi
21 Maret 2024 - Enny Kamal
1. Human Capital Management
March 21, 2024 - Sendy
288 Dewan Komisaris
Board of Commissioners
2. Bank Performance for February 2024
3. Branch Office Loss
- Tjendrawati Widjaja
Ikhtisar Kinerja - Sammy Kristamuljana
2024 - Rusmin
Direksi
Laporan Board of Directors 1. Kinerja PT Bank Nano Syariah Periode 31 Maret 2024
Manajemen - Frenky Tirtowijoyo 2. Laporan Akhir Pendampingan Pemisahan Unit Usaha Syariah
- Miko Andidjaja 3. Kinerja Bank Periode Maret 2024
- Ekajaya Ongny Putra 4. Kantor Cabang Rugi
Profil 23 April 2024 - Enny Kamal 5. Sales Productivity
Perusahaan April 23, 2024 - Sendy 1. Performance of PT Bank Nano Syariah for the Period of March 31, 2024
Dewan Komisaris 2. Final Report on Assistance for the Separation of Sharia Business Units
Board of Commissioners 3. Bank Performance for the Period of March 2024
Analisis dan - Tjendrawati Widjaja 4. Branch Office Loss
Pembahasan - Sammy Kristamuljana 5. Sales Productivity
Manajemen - Rusmin
Direksi
Tinjauan Board of Directors 1. Internal Audit
Pendukung - Frenky Tirtowijoyo 2. Laporan Penerapan Strategi Anti Fraud
Bisnis - Miko Andidjaja 3. Compliance Update
- Ekajaya Ongny Putra 4. Penanganan Kredit Bermasalah
16 Mei 2024 - Enny Kamal 5. Kinerja Bank Periode April 2024
TATA KELOLA May 16, 2024 - Sendy 1. Internal Audit
PERUSAHAAN Dewan Komisaris 2. Anti-Fraud Strategy Implementation Report
Board of Commissioners 3. Compliance Update
- Tjendrawati Widjaja 4. Handling of Non-Performing Loan
Laporan - Sammy Kristamuljana 5. Bank Performance for the Period of April 2024
Keberlanjutan - Rusmin
Direksi
Board of Directors
1. Penuangan celengan bambu
- Frenky Tirtowijoyo
2. Update pemeriksaan cabang oleh OJK
- Miko Andidjaja
3. Kinerja Bank Periode Mei 2024
- Enny Kamal
20 Juni 2024 4. Revisi Rencana Bisnis Bank 2024 - 2026
- Sendy
June 20, 2024 1. Pouring of bamboo piggy banks
Dewan Komisaris
2. Update on branch inspection by OJK
Board of Commissioners
3. Bank Performance for the Period of May 2024
- Tjendrawati Widjaja
4. Revision of the Bank’s Business Plan 2024 - 2026
- Sammy Kristamuljana
- Rusmin
1. Summary pemeriksaan regulator
2. Kinerja Bank Periode Juni 2024
Direksi
3. Pemeriksaan Internal Audit
Board of Directors
4. Kesiapan IT Kasus Kebongkaran Data, Ransomware, Serangan Fiber
- Frenky Tirtowijoyo
5. Laporan Kinerja PT Bank Nano Syariah Periode Juni 2024
- Ekajaya Ongny Putra
6. Perubahan Sinergi dengan Anak usaha
- Enny Kamal
25 Juli 2024 7. Recovery dan Resolution Plan
- Sendy
July 25, 2024 1. Summary of regulator audit
Dewan Komisaris
2. Bank Performance for June 2024
Board of Commissioners
3. Internal Audit Examination
- Tjendrawati Widjaja
4. IT Readiness for Data Breach Cases, Ransomware, Fiber Attacks
- Sammy Kristamuljana
5. PT Bank Nano Syariah Performance Report for June 2024
- Rusmin
6. Changes in Synergy with Subsidiaries
7. Recovery and Resolution Plan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 291
Tanggal Peserta
Agenda
Date Participant
1. Kinerja Bank Periode Juli 2024 & Product Profitability
Direksi 2. Branch Performance July 2024
Board of Directors 3. Perkara Hukum
- Frenky Tirtowijoyo 4. Laporan Implementasi Perlindungan Nasabah & Masyarakat
- Miko Andidjaja 5. Rasio Pendanaan Luar Negeri (RPLN)
- Ekajaya Ongny Putra 6. Rencana Kerja Procurement
29 Agustus 2024 - Enny Kamal 7. ID Card Karyawan
August 29, 2024 - Sendy 1. Bank Performance July 2024 & Product Profitability
Dewan Komisaris 2. Branch Performance July 2024
Board of Commissioners 3. Legal Cases
- Tjendrawati Widjaja 4. Customer & Community Protection Implementation Report
- Sammy Kristamuljana 5. Foreign Funding Ratio (RPLN)
- Rusmin 6. Procurement Work Plan
7. Employee ID Card
Direksi 1. Sosialisasi relawan Tzu Chi Bank Sinarmas
Board of Directors 2. Kinerja Bank Periode Juli 2024 & Product Profitability
- Frenky Tirtowijoyo 3. Monthly Branch Strategy & Sales Productivity
- Miko Andidjaja 4. Rencana Kerja Priority Banking
- Ekajaya Ongny Putra 5. Penanganan Kredit Bermasalah
26 September 2024
September 26, 2024
- Enny Kamal
- Sendy
6. APU, PPT & PPSM
1. Socialization of Tzu Chi Bank Sinarmas volunteers
289
Dewan Komisaris 2. Bank Performance for July 2024 & Product Profitability
Board of Commissioners 3. Monthly Branch Strategy & Sales Productivity 2024
- Tjendrawati Widjaja 4. Priority Banking Work Plan Performance
- Sammy Kristamuljana 5. Handling of Problematic Credit Highlights
- Rusmin 6. APU, PPT & PPSM
1. Laporan Kinerja PT Bank Nano Syariah Periode September 2024
Direksi 2. Kinerja Bank Periode September 2024 Management
Board of Directors 3. Update Progres Internal Audit Group Report
- Frenky Tirtowijoyo 4. Consent Penawaran Produk/Layanan ke sarana komunikasi pribadi
- Miko Andidjaja 5. Penyelesaian kredit bermasalah
- Ekajaya Ongny Putra 6. Struktur Organisasi Company
24 Oktober 2024 - Enny Kamal 7. Rencana Kerja Direktur Kepatuhan Profile
October 24, 2024 - Sendy 1. PT Bank Nano Syariah Performance Report for September 2024 Period
Dewan Komisaris 2. Bank Performance for September 2024 Period
Board of Commissioners 3. Internal Audit Group Progress Update
- Tjendrawati Widjaja 4. Consent for Product/Service Offerings to Personal Communication Facilities Management
- Sammy Kristamuljana 5. Settlement of Non-Performing Loan Discussion and
- Rusmin 6. Organizational Structure Analysis
7. Compliance Director Work Plan
1. Kinerja Bank Periode 2024
Business
2. Rencana Bisnis Bank
3. Brand Ambassador Support
4. Performance Cabang Overview
Direksi
5. Produk Productivity
Board of Directors
6. Literasi Keuangan
- Frenky Tirtowijoyo
7. Laporan Rencana Aksi Pemulihan (Recovery Plan) Tahun 2024 CORPORATE
- Miko Andidjaja
8. Laporan Rencana Resolusi Tahun 2024 GOVERNANCE
- Ekajaya Ongny Putra
9. Update Indikasi Kasus Peretasan di Sektor Perbankan
- Enny Kamal
21 November 2024 10. Priority Banking
- Sendy
November 21, 2024 1. Bank Performance Period 2024 Sustainability
- Amandalia Johanes*
2. Bank Business Plan
Dewan Komisaris Report
3. Brand Ambassador
Board of Commissioners
4. Branch Performance
- Tjendrawati Widjaja
5. Product Productivity
- Sammy Kristamuljana
6. Financial Literacy
- Rusmin
7. Recovery Plan Report 2024
8. Resolution Plan Report 2024
9. Update on Indications of Hacking Cases in the Banking Sector
10. Priority Banking
*: Diangkat melalui RUPS Luar Biasa, 28 Oktober 2024
*: Appointed through Extraordinary GMS, October 28, 2024
Hubungan Afiliasi Dewan Komisaris, Direksi, Affiliated Relationship of the Board of
Pemegang Saham Utama dan/atau Pengendali Commissioners, Board of Directors, Majority
and/or Controlling Shareholders
Bank senantiasa menjaga independensi anggota Dewan The Bank always maintains the independence of the
Komisaris dan Direksi. Komitmen ini bertujuan untuk members of the Board of Commissioners and Board of
mengurangi risiko benturan kepentingan, memastikan Directors. This commitment aims to reduce the risk of conflict
pelaksanaan tugas dan tanggung jawab dilakukan secara of interest and ensure that the implementation of duties and
mandiri dan kritis, termasuk terhadap Pemegang Saham responsibilities is carried out independently and critically,
Pengendali. including towards Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 292
Hubungan Afiliasi Dewan Komisaris
Affiliated Relationship of the Board of Commissioners
Hubungan Keluarga dengan Hubungan Keuangan dengan
Familial Relationhsip with Financial Relationship with
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Jabatan Komisaris Komisaris
Nama Board of Pengendali Board of Pengendali
Position Board of Board of
Name Directors Controlling Directors Controlling
Commissioner Commissioner
Shareholder Shareholder
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Tjendrawati Komisaris Utama
- √ - √ - √ - √ - √ - √
Widjaja President Commissioner
Sammy Komisaris Independen
- √ - √ - √ - √ - √ - √
Kristamuljana Independent Commissioner
Komisaris Independen
Rusmin - √ - √ - √ - √ - √ - √
Independent Commissioner
290 Hubungan Afiliasi Direksi
Affiliated Relationship of the Board of Directors
Ikhtisar Kinerja
2024 Hubungan Keluarga dengan Hubungan Keuangan dengan
Familial Relationhsip with Financial Relationship with
Pemegang Pemegang
Laporan Dewan Dewan
Direksi Saham Direksi Saham
Manajemen Jabatan Komisaris Komisaris
Nama Board of Pengendali Board of Pengendali
Position Board of Board of
Name Directors Controlling Directors Controlling
Commissioner Commissioner
Profil Shareholder Shareholder
Perusahaan Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Analisis dan Direktur Utama
Pembahasan Frenky Tirtowijoyo - √ - √ - √ - √ - √ - √
President Director
Manajemen
Direktur Retail Banking
Miko Andidjaja Director of Retail - √ - √ - √ - √ - √ - √
Tinjauan Banking
Pendukung Direktur Lending &
Bisnis Ekajaya Ongny Wholesale Banking
- √ - √ - √ - √ - √ - √
Putra Director of Lending &
TATA KELOLA Wholesale Banking
PERUSAHAAN Direktur Consumer
Business
Enny Kamal - √ - √ - √ - √ - √ - √
Director of Consumer
Laporan Business
Keberlanjutan
Direktur Information
Technology &
Digital Experience
Sendy - √ - √ - √ - √ - √ - √
Director of Information
Technology &
Digital Experience
Direktur Compliance &
Amandalia Risk Management
- √ - √ - √ - √ - √ - √
Johanes Director of Compliance
& Risk Management
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 293
Kebijakan Keberagaman Dewan Komisaris dan Board of Commissioners and Board of Directors
Direksi Diversity Policy
Kebijakan keberagaman komposisi Dewan Komisaris The policy on the diversity of the composition of the
dan Direksi merujuk pada ketentuan Surat Edaran Board of Commissioners and Board of Directors refers to
Otoritas Jasa Keuangan No. 32/SEOJK.04/2015 tentang the provisions of the Financial Services Authority Circular
Pedoman Tata Kelola Perusahaan Terbuka. Dengan Letter No. 32/SEOJK.04/2015 concerning Guidelines for
demikian, pengangkatan Dewan Komisaris dan Direksi Public Company Governance. Thus, the appointment of the
mempertimbangkan faktor keberagaman, seperti keahlian, Board of Commissioners and Board of Directors takes into
pengetahuan, dan pengalaman yang dibutuhkan Bank. account diversity factors, such as expertise, knowledge, and
experience required by the Bank.
Keberagaman dalam komposisi anggota Dewan Komisaris Diversity in the composition of members of the Board of
dan Direksi membawa manfaat karena dapat memberikan Commissioners and Board of Directors brings benefits
perspektif yang beragam. Keahlian, latar belakang, because it can provide diverse perspectives. The different
pengetahuan, dan pengalaman yang berbeda-beda dari para expertise, backgrounds, knowledge, and experiences of the
anggota memperkaya diskusi dan pengambilan keputusan. members enrich discussions and decision-making.
291
Dengan demikian, Bank dapat merespons lebih baik Therefore, the Bank can respond better to market
2024
terhadap dinamika pasar, mengidentifikasi peluang, serta dynamics, identify opportunities, and address risks with a Performance
mengatasi risiko dengan pendekatan yang komprehensif. comprehensive approach. In addition, diversity also creates Highlights
Selain itu, keberagaman juga menciptakan lingkungan yang an inclusive environment, reflects the values of justice, and
inklusif, mencerminkan nilai-nilai keadilan, dan mendukung supports the realization of the Bank’s objectives holistically. Management
terwujudnya tujuan Bank secara holistik. Report
Keberagaman Komposisi Anggota Dewan Komisaris
Company
Diversity of Composition of Members of the Board of Commissioners
Profile
Aspek Keberagaman Realisasi
Diversity Aspects Realizations
Pendidikan Latar belakang pendidikan Dewan Komisaris beragam, mulai dari sarjana sampai magister, dengan kompetensi di bidang
Management
Education ekonomi, akuntansi, dan bisnis. Discussion and
The educational background of the Board of Commissioners is diverse, ranging from undergraduate to master’s degrees, Analysis
with competencies in economics, accounting, and business.
Pengalaman Kerja Keberagaman pengalaman kerja Dewan Komisaris, antara lain berasal dari profesional pada perbankan maupun lembaga Business
Work Experience keuangan non-bank.
Support
The diversity of the Board of Commissioners’ work experience, among others, comes from professionals in banking and
Overview
non-bank financial institutions.
Usia Usia rata-rata Dewan Komisaris, yakni 60-69 tahun.
Age The average age of the Board of Commissioners is 60-69 years. CORPORATE
Jenis Kelamin Tercatat 1 dari 3 anggota Dewan Komisaris Bank adalah wanita. GOVERNANCE
Gender It is recorded that 1 out of 3 members of the Bank’s Board of Commissioners is a woman.
Informasi data diri Dewan Komisaris selengkapnya dapat dilihat pada bab “Profil Perusahaan” Laporan Tahunan dan Keberlanjutan ini. Sustainability
Complete personal data information of the Board of Commissioners can be seen in the “Company Profile” chapter of this Annual and Sustainability Report.
Report
Keberagaman Komposisi Direksi
Diversity of Composition of the Board of Directors
Aspek Keberagaman Realisasi
Diversity Aspects Realizations
Pendidikan Latar belakang pendidikan Direksi beragam, mulai dari sarjana sampai magister, dengan kompetensi di bidang
Education administrasi bisnis, akuntansi, ekonomi, dan teknik sipil.
The educational background of the Board of Directors is diverse, ranging from bachelor’s to master’s degrees, with
competencies in business administration, accounting, economics, and civil engineering.
Pengalaman Kerja Keberagaman pengalaman kerja Dewan Komisaris, antara lain berasal dari profesional pada perbankan maupun lembaga
Work Experience keuangan non-bank.
The diversity of the Board of Directors’ work experience, among others, comes from professionals in banking and non-
bank financial institutions.
Usia Usia rata-rata Direksi, yakni 36-57 tahun.
Age The average age of the Board of Directors is 36-57 years.
Jenis Kelamin Tercatat 2 dari 6 anggota Direksi Bank adalah wanita.
Gender It is recorded that 2 out of 6 members of the Bank’s Board of Directors are women.
Informasi data diri Direksi selengkapnya dapat dilihat pada bab Profil Perusahaan Laporan Tahunan dan Keberlanjutan ini.
Complete personal data information of the Board of Directors can be seen in the Company Profile chapter of this Annual Report and Sustainability.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 294
Kebijakan Nominasi Dewan Komisaris dan Nomination Policy of the Board of Commissioners
Direksi [GRI 2-10] and the Board of Directors [GRI 2-10]
Kebijakan Policy
Kebijakan Nominasi Dewan Komisaris dan Direksi mengacu The Board of Commissioners and Board of Directors
pada Peraturan Otoritas Jasa Keuangan No. 34/POJK.04/2014 Nomination Policy refers to Financial Services Authority
tentang Komite Nominasi dan Remunerasi Emiten atau Regulation No. 34/POJK.04/2014 concerning the Nomination
Perusahaan Publik dan Anggaran Dasar Bank. Berdasarkan and Remuneration Committee of Issuers or Public Companies
ketentuan tersebut, calon Dewan Komisaris dan Direksi and the Bank’s Articles of Association. Based on these
yang dinominasikan harus memenuhi persyaratan yang provisions, candidates for the Board of Commissioners
telah ditentukan dalam Anggaran Dasar Bank dan peraturan and Board of Directors who are nominated must meet the
perundang-undangan yang berlaku, dengan melakukan requirements stipulated in the Bank’s Articles of Association
seleksi sesuai dengan yang dipersyaratkan oleh peraturan and applicable laws and regulations by conducting a selection
tersebut. in accordance with the requirements of these regulations.
292 Prosedur Nominasi
Adapun proses nominasi Dewan Komisaris dan Direksi
Nomination Procedure
The nomination process for the Board of Commissioners and
Ikhtisar Kinerja
dijelaskan sebagai berikut. Board of Directors is explained as follows.
2024 1. Kandidat yang dinominasikan dapat diajukan dengan 1. Nominated candidates can be submitted by fulfilling
memenuhi syarat kriteria yang berlaku dan dapat berasal the applicable criteria and can come from internal and
Laporan dari sumber internal dan eksternal. external sources.
Manajemen 2. Nominasi kandidat dilengkapi dengan syarat administrasi 2. Candidate nominations are completed with the
yang ditetapkan dan diproses melalui seleksi oleh administrative requirements set and processed through
Profil Komite Remunerasi dan Nominasi. selection by the Remuneration and Nomination Committee.
Perusahaan
3. Komite Remunerasi dan Nominasi dapat melakukan 3. The Remuneration and Nomination Committee can hold
pertemuan lebih lanjut dalam rangka mengenali further meetings in order to identify the qualifications of
Analisis dan
Pembahasan kualifikasi kandidat yang dinominasikan. the nominated candidates.
Manajemen 4. Komite Remunerasi dan Nominasi dapat melibatkan 4. The Remuneration and Nomination Committee may
pihak lain yang dinilai independen untuk dimintai opini involve other parties considered independent to be
Tinjauan ( jika perlu), termasuk melakukan interview bersama asked for opinions (if necessary), including conducting
Pendukung
Bisnis
pihak independen tersebut, dengan syarat pengambilan interviews with the independent parties, on the condition
keputusan tetap dilakukan oleh Komite Remunerasi dan that decision-making remains carried out by the
TATA KELOLA Nominasi. Remuneration and Nomination Committee.
PERUSAHAAN 5. Kandidat nominasi yang direkomendasikan oleh Komite 5. Nomination of candidates recommended by the
Remunerasi dan Nominasi wajib mengikuti fit and Remuneration and Nomination Committee are required to
Laporan proper test yang dilakukan oleh otoritas keuangan undergo a fit and proper test conducted by the authorized
Keberlanjutan berwenang dan hasil keputusan yang dihasilkan menjadi financial authority and the results of the decisions
rekomendasi untuk RUPS dalam rangka pengesahan produced become recommendations for the GMS in order
dan/atau penetapan hasil keputusan tersebut. to ratify and/or determine the results of the decisions.
Kebijakan Remunerasi Dewan Komisaris dan Remuneration Policy for the Board of Commissioners
Direksi [GRI 2-19][GRI 2-20] and Board of Directors [GRI 2-19][GRI 2-20]
Kebijakan Policy
Kebijakan Remunerasi Dewan Komisaris dan Direksi The Remuneration Policy for the Board of Commissioners
mengacu pada Peraturan Otoritas Jasa Keuangan No. and Board of Directors refers to Financial Services
45/POJK.03/2015 tentang Penerapan Tata Kelola dalam Authority Regulation No. 45/POJK.03/2015 concerning
Pemberian Remunerasi bagi Bank Umum dan Surat Edaran the Implementation of Governance in the Provision of
Otoritas Jasa Keuangan No. 40/SEOJK.03/2016 tentang Remuneration for Commercial Banks and Financial Services
Penerapan Tata Kelola dalam Pemberian Remunerasi Bank Authority Circular Letter No. 40/SEOJK.03/2016 concerning
Umum. Berdasarkan ketentuan tersebut, remunerasi yang the Implementation of Governance in the Provision of
diterima Dewan Komisaris dan Direksi, terdiri dari: Remuneration for Commercial Banks. Based on these
provisions, the remuneration received by the Board of
Commissioners and Board of Directors consists of:
1. Remunerasi yang bersifat tetap, yaitu remunerasi yang 1. Fixed remuneration, namely remuneration that is not
tidak dikaitkan dengan kinerja dan risiko, seperti gaji linked to performance and risk, such as basic salary or
pokok atau honorarium dan tunjangan hari raya; dan honorarium, honorarium and holiday allowance; and
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 295
2. Remunerasi yang bersifat variabel, yaitu Remunerasi yang 2. Variable remuneration, namely remuneration that is
dikaitkan dengan kinerja dan risiko, antara lain tantiem linked to performance and risk, including tantiem or
atau bentuk lainnya yang dipersamakan dengan itu. other forms that are equated with that.
Prosedur Penetapan Remunerasi Remuneration Determination Procedure
Penetapan remunerasi Dewan Komisaris dan Direksi The determination of the remuneration for the Board of
dilakukan melalui serangkaian prosedur, mulai dari usulan Commissioners and Board of Directors is carried out through
Komite Remunerasi dan Nominasi sebelum akhirnya a series of procedures, starting from the proposal of the
ditetapkan oleh Rapat Umum Pemegang Saham. Prosedur Remuneration and Nomination Committee before finally
tersebut diungkapkan dalam bentuk skema berikut. being determined by the General Meeting of Shareholders.
The procedure is expressed in the following schematic form.
KOMITE REMUNERASI DAN NOMINASI
REMUNERATION AND NOMINATION COMMITTEE
Komite Remunerasi dan Nominasi mengumpulkan informasi
mengenai standar remunerasi untuk jabatan dan industri sejenis
Remuneration and Nomination Committee collects information
about remuneration standards for similar positions and industries
293
dengan memperhitungkan kinerja Bank Sinarmas. Komite by considering Bank Sinarmas performance. The Committee
membuat rekomendasi kepada Dewan Komisaris. gives recommendation to the Board of Commissioners. 2024
Performance
Highlights
DEWAN KOMISARIS Management
BOARD OF COMMISSIONERS Report
Dewan Komisaris mempelajari rekomendasi dari Komite The Board of Commissioners reviews the recommendation of Company
Remunerasi dan Nominasi mengusulkan remunerasi Dewan the Remuneration and Nomination Committee, and proposes Profile
Komisaris dan Direksi kepada RUPS. the remuneration of the Board of Commissioners and the Board
of Directors to the GMS.
Management
Discussion and
Analysis
RAPAT UMUM PEMEGANG SAHAM
GENERAL MEETING OF SHAREHOLDERS Business
Support
RUPS memberi wewenang kepada Dewan Komisaris untuk The GMS authorizes the Board of Commissioners to determine Overview
menetapkan gaji dan honorarium dengan memperhatikan usul the honorarium by considering the proposal submitted by the
yang diajukan oleh Komite Remunerasi dan Nominasi. Remuneration and Nomination Committee.
CORPORATE
GOVERNANCE
REMUNERASI DEWAN KOMISARIS DAN DIREKSI Sustainability
REMUNERATION OF THE BOARD OF COMMISSIONERS AND DIRECTORS Report
Pelaksanaan remunerasi Dewan Komisaris dan Direksi telah The implementation of the remuneration for the Board of
sesuai dengan prosedur atas peraturan yang berlaku. Commissioners and the Board of Directors is provided in
accordance with procedures for the applicable regulations.
Indikator Remunerasi Remuneration Indicators
Remunerasi Dewan Komisaris dan Direksi ditetapkan The remuneration of the Board of Commissioners and Board
dengan mempertimbangkan beberapa hal, baik peraturan of Directors is determined by considering several things,
perundang-undangan yang berlaku maupun kebijakan both applicable laws and internal policies, such as the Bank’s
internal, seperti kinerja Bank. Selain itu, pemberian performance. In addition, the provision of remuneration is
remunerasi didasarkan pada kinerja masing-masing anggota based on the performance of each member through the
melalui pelaksanaan tugas dan tanggung jawab Dewan implementation of the duties and responsibilities of the
Komisaris dan Direksi. Sementara itu, indikator penentu Board of Commissioners and Board of Directors. Meanwhile,
besaran remunerasi Dewan Komisaris dan Direksi, yakni: the indicators determining the amount of remuneration for
the Board of Commissioners and Board of Directors are:
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1. Skala Usaha; 1. Business Scale;
2. Kompleksitas Usaha; 2. Business Complexity;
3. Peer Group; 3. Peer Group;
4. Tingkat Inflasi; 4. Inflation Rate;
5. Perkembangan industri perbankan; 5. Development of the banking industry;
6. Kondisi Kinerja Bank; dan 6. Bank Performance Conditions; and
7. Kemampuan keuangan Bank. 7. Bank’s financial capability.
Penetapan Material Risk Takers (MRT) Determination of Material Risk Takers (MRT)
Bank Sinarmas menetapkan material risk takers (MRT) Bank Sinarmas determines material risk takers (MRT) through
melalui 2 pendekatan, yaitu: 2 approaches, namely:
1. Metode kualitatif, yakni sesuai dengan porsi tanggung 1. Qualitative method, namely in accordance with the
jawab yang berpengaruh terhadap profil risiko utama portion of responsibility that affects the main risk profile,
yang akan ditentukan berdasarkan evaluasi profil risiko which will be determined based on the evaluation of the
Bank; serta Bank’s risk profile; and
294 2. Metode kuantitatif, yakni melalui perbandingan
penerimaan remunerasi yang bersifat variabel antara
2. Quantitative method, namely through a comparison of
variable remuneration receipts between MRT and non-
Ikhtisar Kinerja
MRT dan non-MRT dengan tetap mempertimbangkan MRT while still considering performance and job risk
2024 kinerja dan tingkat risiko jabatan. levels.
Laporan Organ Bank yang ditetapkan menjadi bagian dari MRT adalah The Bank Organs that are designated as part of MRT are
Manajemen Pengurus Bank dan Pejabat Eksekutif setingkat Group Head Bank Management and Executive Officers at the Group
yang terdiri dari 36 orang. Head level consisting of 36 people.
Profil
Perusahaan
Penangguhan atau Penarikan Kembali Remunerasi Remuneration Suspension or Clawback
Bank Sinarmas memiliki kewenangan untuk menunda Bank Sinarmas has the authority to postpone the payment
Analisis dan
Pembahasan pembayaran remunerasi variabel yang ditangguhkan of deferred variable remuneration (malus) or take back the
Manajemen (malus) atau mengambil kembali remunerasi variabel yang variable remuneration that has been paid (clawback) to the
telah dibayarkan (clawback) kepada pihak yang ditetapkan party designated as MRT, with certain conditions that have
Tinjauan sebagai MRT, dengan syarat-syarat tertentu yang telah been determined, such as:
Pendukung
Bisnis
ditentukan, seperti:
1. Bank mengalami kerugian; 1. The Bank experiences a loss;
TATA KELOLA 2. Terjadinya risiko yang berdampak negatif terhadap 2. The occurrence of a risk that has a negative impact on
PERUSAHAAN keuangan Bank; the Bank’s finances;
3. Terjadinya fraud, pelanggaran hukum, perilaku tidak etis, 3. The occurrence of fraud, violation of the law, unethical
Laporan dan/atau pemalsuan catatan oleh pihak yang menjadi behavior, and/or falsification of records by the party
Keberlanjutan MRT yang merugikan Bank; serta acting as MRT that is detrimental to the Bank; and
4. Kondisi lainnya. 4. Other conditions.
Persentase penangguhan pembayaran remunerasi The percentage of deferral of remuneration payments
ditetapkan berdasarkan stabilitas keuangan Bank, is determined based on the Bank’s financial stability, the
kecukupan dan penguatan permodalan Bank, kebutuhan adequacy and strengthening of the Bank’s capital, short-term
likuiditas jangka pendek dan jangka panjang, serta potensi and long-term liquidity needs, and potential future income.
pendapatan di masa mendatang. Waktu penangguhan The minimum suspension period for remuneration payments
pembayaran remunerasi minimal adalah 3 tahun, namun is 3 years but can be adjusted for a longer period according
dapat disesuaikan untuk periode yang lebih panjang sesuai to the relevant risk period.
dengan jangka waktu risiko yang relevan.
Hubungan Remunerasi dan Kinerja Perusahaan Relationship between Remuneration and Company
Performance
Bank Sinarmas menetapkan penilaian kinerja dengan Bank Sinarmas determines performance assessments
pendekatan Key Performance Indicator (KPI) yang mengacu using the Key Performance Indicator (KPI) approach that
pada Rencana Bisnis Bank (RBB). Selain itu, penilaian refers to the Bank’s Business Plan (RBB). In addition, the
tersebut pun mempertimbangkan penerapan aspek risiko assessment also considers the implementation of risk and
dan kepatuhan dalam pengelolaan Bank oleh Direksi. Hasil compliance aspects in the management of the Bank by
dari penilaian tersebut dijadikan bahan evaluasi dalam hal the Board of Directors. The results of the assessment are
penentuan pemberian remunerasi bagi Direksi. used as evaluation material in determining the provision of
remuneration for the Board of Directors.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 297
Komponen Remunerasi [GRI 2-21] Remuneration Components [GRI 2-21]
Komponen remunerasi yang diterima Dewan Komisaris dan The remuneration components received by the Board of
Direksi diungkapkan sebagai berikut. Commissioners and the Board of Directors are disclosed as
follows.
Realisasi Remunerasi Dewan Komisaris
Realization of Board of Commissioners Remuneration
2024 2023 2022
Jenis Remunerasi dan Fasilitas Lain Jumlah Dalam Jutaan Jumlah Dalam Jutaan Jumlah Dalam Jutaan
Types of Remuneration and Other Facilities Penerima Rupiah Penerima Rupiah Penerima Rupiah
Number of In Million Number of In Million Number of In Million
Beneficiaries Rupiah Beneficiaries Rupiah Beneficiaries Rupiah
Remunerasi (honorarium, tantiem, tunjangan
hari raya, dan lainnya)
3 5.999 3 5.802 3 5.099
Remuneration (honorarium, tantiem, holiday
allowance, and others)
Fasilitas lain dalam bentuk alat komunikasi, kendaraan, asuransi jiwa, asuransi kesehatan, executive club membership, dan sebagainya..
Other facilities include communication devices, vehicles, life insurance, health insurance, executive club membership, and others.
a. Dapat dimiliki
Purchasable
- - - - 1 28 295
b. Tidak dapat dimiliki 2024
- - - - - -
Non-Purchasable
Performance
Jumlah Highlights
3 5.999 3 5.802 3 5.127
Total
Management
Realisasi Remunerasi Direksi Report
Realization of Board of Directors’ Remuneration
2024 2023 2022
Company
Jenis Remunerasi dan Fasilitas Lain Jumlah Dalam Jutaan Jumlah Dalam Jutaan Jumlah Dalam Jutaan Profile
Types of Remuneration and Other Facilities Penerima Rupiah Penerima Rupiah Penerima Rupiah
Number of In Million Number of In Million Number of In Million
Beneficiaries Rupiah Beneficiaries Rupiah Beneficiaries Rupiah Management
Remunerasi (gaji, tantiem, tunjangan hari raya, Discussion and
dan lainnya) Analysis
6 28.604 9 29.824 7 21.091
Remuneration (salary, tantiem, holiday
allowance, and others.)
Fasilitas lain dalam bentuk alat komunikasi, kendaraan, asuransi jiwa, asuransi kesehatan, executive club membership, dan sebagainya. Business
Other facilities include communication devices, vehicles, life insurance, health insurance, executive club membership, and so on. Support
Overview
a. Dapat dimiliki
3 82 3 84 1 28
Purchasable
b. Tidak dapat dimiliki CORPORATE
- - - - - - GOVERNANCE
Non-Purchasable
Jumlah
6 28.686 9 29.908 7 21.119
Total
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 298
PENGUNGKAPAN INFORMASI
PERUBAHAN KEPEMILIKAN SAHAM
DEWAN KOMISARIS DAN DIREKSI
Disclosure of Information on Changes in Share
Ownership of the Board of Commissioners and
Board of Directors
296 Bank Sinarmas telah memiliki kebijakan mengenai Bank Sinarmas has a policy regarding the obligation of the
Ikhtisar Kinerja
kewajiban Dewan Komisaris dan Direksi untuk melakukan Board of Commissioners and Board of Directors to make
2024 pengungkapan kepada Bank terkait kepemilikan saham dan disclosures to the Bank regarding share ownership, and
setiap perubahan kepemilikan saham wajib diungkapkan any changes in share ownership must be disclosed within
Laporan dalam waktu 3 (tiga) hari kerja setelah transaksi. Ketentuan 3 (three) working days after the transaction. This provision
Manajemen tersebut mengacu pada Peraturan OJK Nomor 11/ refers to OJK Regulation No. 11/POJK.04/2017 concerning
POJK.04/2017 tentang Laporan Kepemilikan atau Setiap Ownership Reports or Any Changes in Share Ownership of
Profil Perubahan Kepemilikan Saham Perusahaan Terbuka. Public Companies.
Perusahaan
Analisis dan
Pelaksanaan Tahun 2024 Implementation in 2024
Pembahasan Mengacu pada peraturan tersebut, Bank melaporkan bahwa Referring to this regulation, the Bank reports that throughout
Manajemen sepanjang tahun 2024 tidak terjadi perubahan kepemilikan 2024 there were no changes in share ownership of the
saham Dewan Komisaris dan Direksi di Bank Sinarmas. Board of Commissioners and Board of Directors in Bank
Tinjauan Dengan demikian, komposisinya adalah sebagai berikut: Sinarmas. Therefore, the composition is as follows:
Pendukung
Bisnis
2024 2023
TATA KELOLA Nama Jabatan Jumlah Saham Persentase Jumlah Saham Persentase
PERUSAHAAN Name Position (Lembar Saham) Kepemilikan (%) (Lembar Saham) Kepemilikan (%)
Number of Ownership Number of Ownership
Shares (Share) Percentage (%) Shares (Share) Percentage (%)
Laporan
Keberlanjutan Dewan Komisaris
Board of Commissioners
Tjendrawati Widjaja Komisaris Utama - - - -
President Commissioner
Sammy Kristamuljana Komisaris Independen - - - -
Independent Commissioner
Rusmin Komisaris Independen - - - -
Independent Commissioner
Direksi
Board of Directors
Frenky Tirtowijoyo Direktur Utama - - - -
President Director
Miko Andidjaja Direktur - - - -
Director
Ekajaya Ongny Putra Direktur - - - -
Director
Enny Kamal Direktur 1.683.501 0,0085 1.795.332 0,0091
Director
Sendy Direktur - - - -
Director
Amandalia Johanes Direktur - - - -
Director
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 299
KOMITE-KOMITE DI BAWAH
DEWAN KOMISARIS
Committees Under the Board of Commissioners
KOMITE AUDIT AUDIT COMMITTEE
Komite Audit merupakan organ pendukung Dewan The Audit Committee is a supporting organ of the Board of
Komisaris yang membantu di bidang pengawasan terhadap Commissioners that oversees the quality of financial reports,
kualitas Laporan Keuangan, sistem pengendalian internal, internal control systems, and performs internal auditing. The
dan Fungsi Audit Internal. Komite ini juga berperan dalam Committee also oversees the implementation of governance
mengawasi implementasi tata kelola dan kepatuhan Bank and the Bank’s adherence to laws and regulations.
terhadap peraturan perundang-undangan.
297
Pedoman Kerja Work Guidelines
2024
Komite Audit menjalankan tugas tanggung jawabnya dengan The Audit Committee carries out its duties and responsibilities Performance
berpedoman pada Piagam Komite Audit Rev 3.0. Piagam based on the Audit Committee Charter Rev 3.0. The charter Highlights
tersebut telah disahkan pada 25 April 2019 yang memuat was ratified on April 25, 2019, which contains:
tentang: Management
1. Pembentukan; 1. Formation; Report
2. Dasar Hukum; 2. Legal Basis;
3. Susunan dan Syarat Anggota; 3. Composition and Requirements of Member; Company
4. Pengangkatan atau Pemberhentian; 4. Appointment or Dismissal; Profile
5. Tugas dan Tanggung Jawab; 5. Duties and Responsibilities;
6. Wewenang; 6. Authority;
Management
7. Masa Tugas; 7. Term of Service; Discussion and
8. Kode Etik; 8. Code of Ethics; Analysis
9. Tata Cara dan Prosedur Kerja; 9. Work Methods and Procedures;
10. Ketentuan Rapat; 10. Meeting Provisions; Business
11. Pelaporan; dan 11. Reporting; and Support
12. Masa Berlaku Piagam Penanganan dan Pengaduan pada 12. Validity Period of the Charter for Handling and Complaints Overview
Pelaporan Keuangan. in Financial Reporting.
CORPORATE
Pengangkatan dan Pemberhentian Appointment and Dismissal GOVERNANCE
Anggota Komite Audit diangkat dan diberhentikan oleh Members of the Audit Committee are appointed and
Dewan Komisaris. Anggota Komite Audit dapat diberhentikan dismissed by the Board of Commissioners. Dismissal can Sustainability
apabila yang bersangkutan berakhir masa jabatan occur at the end of a member’s term or at the discretion of the Report
keanggotaannya dan berdasarkan keputusan Dewan Board of Commissioners. Members may also be dismissed
Komisaris, serta diberhentikan karena tidak memenuhi for failing to meet performance expectations and/or being
kinerja yang telah ditetapkan dan/atau tidak kompeten deemed incompetent to carry out their responsibilities.
dalam menjalankan tugasnya.
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Struktur dan Susunan Anggota Komite Audit Structure and Composition of the Audit Committee
Anggota Komite Audit Bank Sinarmas, terdiri dari seorang The Audit Committee of Bank Sinarmas comprises an
Komisaris Independen dan 2 orang Pihak Independen yang Independent Commissioner and three Independent Parties.
memiliki keahlian di bidang keuangan atau akuntansi dan Two of the Independent Parties possess expertise in finance
seorang dari Pihak Independen yang memiliki keahlian di or accounting, while the third has expertise in law or banking.
bidang hukum atau perbankan. Susunan anggota Komite The composition of the Audit Committee as of December 31,
Audit Bank per 31 Desember 2024 diungkapkan sebagai 2024, is presented as follows.
berikut.
Periode Masa
Nama Jabatan Dasar Pengangkatan Keahlian
Jabatan
Name Position Legal Basis of Appointment Expertise
Term of Office
Ekonomi, Akuntansi,
dan Manajemen
Ketua
Sammy Kristamuljana 2024 - 2026 Economics,
Chairman
Accounting, and
Surat Keputusan No.SK.070/2024/PRESDIR Management
298 tentang Susunan Anggota Komite Audit
PT. Bank Sinarmas Tbk., yang dikeluarkan Ekonomi, Keuangan,
Anggota (Pihak Independen) pada 1 Oktober 2024. dan Perbankan
Robert A Simanjuntak 2024 - 2026
Member (Independent Party) Decree No.SK.070/2024/PRESDIR concerning Economics, Finance,
Ikhtisar Kinerja
the Composition of Members of the Audit and Banking
2024
Committee of PT. Bank Sinarmas Tbk., issued
on October 1, 2024. Ekonomidan
Anggota (Pihak Independen) Keuangan
Laporan Reynold M Batubara 2024 - 2026
Member (Independent Party) Economics and
Manajemen Finance
Profil Profil Anggota Komite Audit Audit Committee Member Profile
Perusahaan
Sammy Kristamuljana
Analisis dan
Pembahasan Ketua
Manajemen Chairman
Dasar Hukum Diangkat berdasarkan Surat Keputusan No.SK.070/2024/PRESDIR tentang Susunan Anggota Komite Audit PT. Bank
Tinjauan Pengangkatan Sinarmas Tbk., yang dikeluarkan pada 1 Oktober 2024.
Pendukung Legal Basis for Appointed based on Decree No.SK.070/2024/PRESDIR concerning the Composition of Members of the Audit Committee of
Bisnis Appointment PT. Bank Sinarmas Tbk., issued on October 1, 2024.
Profil dapat dilihat pada bab Profil Perusahaan dalam Laporan Tahunan dan Keberlanjutan ini.
TATA KELOLA The profile can be found in this Annual and Sustainability Report, under the Company Profile chapter.
PERUSAHAAN
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 301
Robert A Simanjuntak Periode dan Dasar Hukum Pengangkatan
Anggota (Pihak Independen) Term of Office and Legal Basis of Appointment
Member (Independent Party)
Surat Keputusan No.SK.070/2024/PRESDIR tentang
Susunan Anggota Komite Audit PT. Bank Sinarmas Tbk.,
Kewarganegaraan | Citizenship
yang dikeluarkan pada 1 Oktober 2024.
Indonesia
Decree No.SK.070/2024/PRESDIR concerning the
Composition of Members of the Audit Committee of
Domisili | Domicile PT. Bank Sinarmas Tbk., issued on October 1, 2024.
Jakarta
Usia | Age
62 tahun | years old
Riwayat Pendidikan | Educational Background Rangkap Jabatan | Concurrent Position 299
• Philosophy Doctor, Economics, University of Birmingham, United • Anggota Komite Pemantau Risiko PT. Bank Sinarmas Tbk. (sejak 2021);
Kingdom (1998). • Anggota Komite Audit PT Sinar Mas Agro Resources and Technology
2024
• Master of Science, Economics, University of Birmingham, United Tbk (sejak 2020);
Performance
Kingdom (1988); dan • Komisaris Independen dan Ketua Komite Audit PT Dian Swastatika
• Sarjana Ekonomi, Universitas Indonesia, Jakarta (1986). Sentosa Tbk (sejak 2019); Highlights
• Philosophy Doctor, Economics, University of Birmingham, United • Wakil Ketua Dewan Pembina, Komite Pemantauan Pelaksanaan
Kingdom (1998). Otonomi Daerah (KPPOD) (sejak 2009);
• Master of Science, Economics, University of Birmingham, United • Guru Besar Ilmu Ekonomi Keuangan Negara, Fakultas Ekonomi, Management
Kingdom (1988); and Universitas Indonesia (sejak 2008). Report
• Bachelor of Economics, Universitas Indonesia, Jakarta (1986). • Member of the Risk Monitoring Committee of PT. Bank Sinarmas Tbk.
(since 2021);
Riwayat Pekerjaan | Work Experience • Member of the Audit Committee of PT Sinar Mas Agro Resources and Company
• Komisaris PT Antam Tbk (2014-2019); Technology Tbk (since 2020); Profile
• Staf Khusus Menteri Keuangan Bidang Perumusan Kebijakan Fiskal • Independent Commissioner and Chairman of the Audit Committee of
Republik Indonesia (2014-2019); PT Dian Swastatika Sentosa Tbk (since 2019);
• Komisaris PT Perkebunan Nusantara (PTPN) VII (2013-2014); • Deputy Chairman of the Advisory Board, Regional Autonomy
Implementation Monitoring Committee (KPPOD) (since 2009); Management
• Komisaris Independen PT Asuransi Tugu Pratama Indonesia Tbk (2010-
2012); • Professor of State Financial Economics, Faculty of Economics, Discussion and
• Ketua Tim Asistensi Menteri Keuangan Bidang Desentralisasi Fiskal Universitas Indonesia (since 2008). Analysis
(TADF) Republik Indonesia (2009-2014);
• Ketua Departemen Ilmu Ekonomi - Fakultas Ekonomi Universitas Hubungan Afiliasi | Affiliated Relationship
Indonesia (2005-2009); Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Business
• Tenaga Ahli Panitia Anggaran Dewan Perwakilan Rakyat Republik Direksi, dan Pemegang Saham Pengendali. Support
Indonesia (2003-2004); Has no affiliation with members of the Board of Commissioners, Board of Overview
• Direktur Program Magister Perencanaan dan Kebijakan Publik (MPKP) Directors, and Controlling Shareholders.
Fakultas Ekonomi Universitas Indonesia (1999-2005); dan
• Peneliti dan Konsultan Lembaga Penyelidikan Ekonomi dan Masyarakat
CORPORATE
(LPEM) Fakultas Ekonomi Universitas Indonesia (1986-2005)
GOVERNANCE
• Commissioner of PT Antam Tbk (2014-2019);
• Special Staff of the Minister of Finance for the Formulation of Fiscal
Policy of the Republic of Indonesia (2014-2019);
• Commissioner of PT Perkebunan Nusantara (PTPN) VII (2013-2014); Sustainability
• Independent Commissioner of PT Asuransi Tugu Pratama Indonesia Report
Tbk (2010-2012);
• Head of the Assistance Team for the Minister of Finance for Fiscal
Decentralization (TADF) of the Republic of Indonesia (2009-2014);
• Head of the Department of Economics - Faculty of Economics,
Universitas Indonesia (2005-2009);
• Expert Staff of the Budget Committee of the People’s Representative
Council of the Republic of Indonesia (2003-2004);
• Director of the Masters Program in Planning and Public Policy (MPKP)
Faculty of Economics, Universitas Indonesia (1999-2005); and
• Researcher and Consultant of the Institute for Economic and Community
Research (LPEM) Faculty of Economics, Universitas Indonesia (1986-
2005)
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Reynold M Batubara Periode dan Dasar Hukum Pengangkatan
Anggota (Pihak Independen) Term of Office and Legal Basis of Appointment
Member (Independent Party)
Surat Keputusan No.SK.070/2024/PRESDIR tentang
Susunan Anggota Komite Audit PT. Bank Sinarmas Tbk.,
Kewarganegaraan | Citizenship
yang dikeluarkan pada 1 Oktober 2024.
Indonesia
Decree No.SK.070/2024/PRESDIR concerning the
Composition of Members of the Audit Committee of
Domisili | Domicile PT. Bank Sinarmas Tbk., issued on October 1, 2024.
Jakarta
Usia | Age
68 tahun | years old
300 Riwayat Pendidikan | Educational Background Rangkap Jabatan | Concurrent Position
Sarjana Ekonomi bidang Akuntansi, Universitas Indonesia (1983). • Anggota Komite Tata Kelola Terintegrasi PT. Bank Sinarmas Tbk. (sejak
Ikhtisar Kinerja Bachelor of Economics majoring in Accounting, Universitas Indonesia 2022);
2024 (1983). • Anggota Komite Pemantau Risiko PT. Bank Sinarmas Tbk. (sejak 2021);
• Anggota Komite Audit PT Asuransi Etiqa Internasional (sejak 2019);
Riwayat Pekerjaan | Work Experience • Anggota Komite Pemantau Risiko PT Elnusa Tbk (sejak 2013);
Laporan • Anggota Komite Audit dan Komite Manajemen Risiko PT Bank Net • Anggota Komite Audit PT ATLAS Resources Tbk (sejak 2012); dan
Manajemen Indonesia Syariah (2020-2021); • Komisaris PT Paramitra Alfa Sekuritas (sejak 2009).
• Anggota Komite Audit PT Chandra Astri Tbk (2015-2021); • Member of the Integrated Governance Committee of PT. Bank
• Anggota Komite Tata Kelola Perusahaan Terpadu (Integrated Corporate Sinarmas Tbk. (since 2022);
Profil Governance) BNP Paribas (2016-2021); • Member of the Risk Monitoring Committee of PT. Bank Sinarmas Tbk.
Perusahaan • Komisaris PT Paramitra Multi Finance (2010-2011); (since 2021);
• Komisaris PT Smartfren Telecom Tbk (2009-2021); • Member of the Audit Committee of PT Asuransi Etiqa Internasional
• Anggota Komite Audit dan Komite Manajemen Risiko PT Maybank (since 2019);
Analisis dan Syariah Indonesia (2008-2019); • Member of the Risk Monitoring Committee of PT Elnusa Tbk (since
Pembahasan • Konsultan New Frontier Solution (2008); 2013);
Manajemen • Country Head Group Audit ABN AMRO Bank NV Indonesia (1994- • Member of the Audit Committee of PT ATLAS Resources Tbk (since
2006); 2012); and
• Head of Internal Audit Standard Chartered Bank (1993-1994); • Commissioner of PT Paramitra Alfa Sekuritas (since 2009).
Tinjauan • Audit Manager Ernst & Young International (1990-1993);
Pendukung • Senior Auditor Moret, Ernst & Young Nederland, Amsterdam (1987- Sertifikasi Profesi | Professional Certification
Bisnis 1990); dan • Sertifikasi Audit Internal dari The Institute of Internal Auditor Indonesia
• Senior Auditor Arthur Young International (1980-1987). (IIA); dan
• Member of the Audit Committee and Risk Management Committee of • Sertifikasi Penilaian Mutu dari The Institute of Internal Auditor Indonesia
TATA KELOLA
PT Bank Net Indonesia Syariah (2020-2021); (IIA).
PERUSAHAAN
• Member of the Audit Committee of PT Chandra Astri Tbk (2015-2021); • Internal Audit Certification from The Institute of Internal Auditor
• Member of the Integrated Corporate Governance Committee of BNP Indonesia (IIA); and
Laporan Paribas (2016-2021); • Quality Assessment Certification from The Institute of Internal Auditor
Keberlanjutan • Commissioner of PT Paramitra Multi Finance (2010-2011); Indonesia (IIA).
• Commissioner of PT Smartfren Telecom Tbk (2009-2021);
• Member of the Audit Committee and Risk Management Committee of
Hubungan Afiliasi | Affiliated Relationship
PT Maybank Syariah Indonesia (2008-2019);
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris,
• New Frontier Solution Consultant (2008);
Direksi, dan Pemegang Saham Pengendali.
• Country Head Group Audit ABN AMRO Bank NV Indonesia (1994-
Has no affiliation with members of the Board of Commissioners, Board of
2006);
Directors, and Controlling Shareholders.
• Head of Internal Audit Standard Chartered Bank (1993-1994);
• Audit Manager Ernst & Young International (1990-1993);
• Senior Auditor Moret, Ernst & Young Nederland, Amsterdam (1987-
1990); and
• Senior Auditor Arthur Young International (1980-1987).
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Independensi Komite Audit Independence of the Audit Committee
Bank menjamin bahwa seluruh anggota Komite Audit The Bank ensures that all members of the Audit Committee
bertindak secara independen dan tidak menerima/ act independently and do not receive or engage in any
melakukan intervensi dari/ kepada pihak lainnya. Komite form of intervention from or with other parties. The Audit
Audit juga tidak memiliki kepentingan serta keterkaitan yang Committee also holds no personal interests or affiliations that
bersifat pribadi yang berpotensi menimbulkan benturan could potentially lead to a conflict of interest with the Bank.
kepentingan (conflict of interest) dengan Bank. Hal tersebut This commitment is reflected in the following statement of
tercermin melalui pernyataan independensi berikut. independence.
Aspek Independensi Sammy Robert A Reynold M
Independence Aspect Kristamuljana Simanjuntak Batubara
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
√ √ √
Has no financial relationship with the Board of Commissioners and Board of Directors.
Tidak memiliki hubungan kepemilikan saham di Bank.
√ √ √
Has no share ownership relationship in the Bank.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, serta perusahaan afiliasi.
Has no management relationship in the Bank, Subsidiaries, and affiliated companies.
√ √ √
301
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau
anggota Komite Audit. 2024
√ √ √
Has no family relationship with the Board of Commissioners, Board of Directors, and/
Performance
or members of the Audit Committee.
Highlights
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
√ √ √
Has not served as a political party administrator, official, and government.
Management
Report
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
Tugas dan tanggung jawab Komite Audit Bank Sinarmas, The duties and responsibilities of the Audit Committee of Company
yakni: Bank Sinarmas are: Profile
1. Melakukan penelaahan atas informasi keuangan yang 1. Reviewing financial information to be issued by the
akan dikeluarkan Bank kepada publik dan/atau pihak Bank to the public and/or authorities, including financial
Management
otoritas antara lain laporan keuangan, proyeksi, dan reports, projections, and other reports related to the Discussion and
laporan lainnya terkait dengan informasi keuangan Bank; Bank’s financial information; Analysis
2. Melakukan penelaahan atas ketaatan terhadap 2. Reviewing compliance with laws and regulations related
peraturan perundang-undangan yang berhubungan to the Bank’s activities; Business
dengan kegiatan Bank; Support
3. Memberikan pendapat independen dalam hal terjadi 3. Providing an independent opinion in the event of Overview
perbedaan pendapat antara manajemen dan akuntan a difference of opinion between management and
atas jasa yang diberikannya; accountants regarding the services provided; CORPORATE
4. Memberikan rekomendasi kepada Dewan Komisaris 4. Providing recommendations to the Board of GOVERNANCE
mengenai penunjukan akuntan publik yang didasarkan Commissioners regarding the appointment of a
kepada independensi, ruang lingkup penugasan, dan public accountant based on independence, scope of Sustainability
fee; assignment, and fee; Report
5. Melakukan pemantauan dan evaluasi paling sedikit 5. Monitoring and evaluating at least the implementation
terhadap pelaksanaan tindak lanjut oleh Direksi atas of follow-up actions by the Board of Directors regarding
hasil temuan Satuan Kerja Audit Internal (SKAI), akuntan the findings of the Internal Audit Work Unit (SKAI), public
publik, dan hasil pengawasan Otoritas Jasa Keuangan; accountants, and the results of supervision by the
Financial Services Authority;
6. Melakukan evaluasi terhadap pelaksanaan pemberian 6. Evaluating the implementation of the provision of audit
jasa audit atas informasi keuangan historis tahunan oleh services for annual historical financial information by
akuntan publik dan/atau kantor akuntan publik; public accountants and/or public accounting firms;
7. Melakukan penelaahan terhadap aktivitas pelaksanaan 7. Reviewing the implementation of risk management
manajemen risiko yang dilakukan oleh Direksi, jika Bank activities carried out by the Board of Directors, if the
tidak memiliki fungsi pemantau risiko di bawah Dewan Bank does not have a risk monitoring function under the
Komisaris; Board of Commissioners;
8. Komite Audit wajib melakukan pemantauan dan 8. The Audit Committee is required to monitor and evaluate
evaluasi atas perencanaan dan pelaksanaan audit serta the planning and implementation of audits and to
pemantauan atas tindak lanjut hasil audit dalam rangka monitor the follow-up of audit results in order to assess
menilai kecukupan pengendalian internal, termasuk the adequacy of internal control, including the adequacy
kecukupan proses pelaporan keuangan; of the financial reporting process;
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9. Komite Audit wajib melakukan pemantauan dan evaluasi 9. The Audit Committee is required to monitor and evaluate
paling sedikit terhadap: at least:
a. Pelaksanaan tugas Satuan Kerja Audit Internal (SKAI); a. Implementation of the duties of the Internal Audit
Work Unit (SKAI);
b. Kesesuaian pelaksanaan audit oleh kantor akuntan b. Compliance of the implementation of audits by the
publik dengan standar audit; public accounting firm with audit standards;
c. Kesesuaian Laporan Keuangan dengan standar c. Compliance of the Financial Report with financial
akuntansi keuangan; dan accounting standards; and
d. Pelaksanaan tindak lanjut Direksi atas hasil temuan d. Implementation of follow-up actions by the Board of
Satuan Kerja Audit Internal, akuntan publik, dan Directors on the findings of the Internal Audit Work
hasil pengawasan Otoritas Jasa Keuangan guna Unit, public accountants, and the results of supervision
memberikan rekomendasi kepada Dewan komisaris. by the Financial Services Authority in order to provide
recommendations to the Board of Commissioners.
10. Memberikan rekomendasi terkait pengangkatan dan 10. Provide recommendations regarding the appointment
pemberhentian Kepala SKAI; and dismissal of the Head of SKAI;
302 11. Memberikan rekomendasi terkait Piagam Audit Internal; 11. Provide recommendations regarding the Internal Audit
Charter;
Ikhtisar Kinerja
12. Memantau dan mengkaji efektivitas pelaksanaan audit 12. Monitor and review the effectiveness of the
2024 internal Bank; implementation of the Bank’s internal audit;
13. Mengevaluasi kinerja SKAI; 13. Evaluate the performance of SKAI;
Laporan 14. Memastikan SKAI melakukan komunikasi dengan 14. Ensure that SKAI communicates with the Board of
Manajemen Direksi, Dewan Komisaris, Dewan Pengawas Syariah Directors, Board of Commissioners, Sharia Supervisory
bagi bank umum syariah dan bank umum konvensional Board for Islamic commercial banks and conventional
Profil yang memiliki unit usaha syariah, auditor eksternal, dan commercial banks that have Islamic business units,
Perusahaan
Otoritas Jasa Keuangan; external auditors, and the Financial Services Authority;
15. Memastikan SKAI bekerja secara independen; 15. Ensure that SKAI works independently;
Analisis dan
Pembahasan 16. Memberikan rekomendasi kepada Dewan Komisaris 16. Provide recommendations to the Board of Commissioners
Manajemen terkait penyusunan rencana audit, ruang lingkup, dan regarding the preparation of the SKAI audit plan, scope,
anggaran SKAI; and budget;
Tinjauan 17. Meninjau laporan audit dan memastikan Direksi 17. Review audit reports and ensure that the Board of
Pendukung
Bisnis
mengambil tindakan perbaikan yang diperlukan secara Directors takes the necessary corrective actions promptly
cepat untuk mengatasi kelemahan pengendalian, fraud, to address control weaknesses, fraud, compliance
TATA KELOLA masalah kepatuhan terhadap kebijakan, undang-undang issues with policies, laws and regulations or other issues
PERUSAHAAN dan peraturan atau masalah lain yang diidentifikasi dan identified and reported by SKAI;
dilaporkan oleh SKAI;
Laporan 18. Memberikan rekomendasi kepada Dewan Komisaris 18. Provide recommendations to the Board of
Keberlanjutan terkait pemberian remunerasi tahunan SKAI secara Commissioners regarding the provision of SKAI’s overall
keseluruhan serta penghargaan kinerja; annual remuneration and performance awards;
19. Memastikan SKAI menjunjung tinggi integritas dalam 19. Ensure that SKAI upholds integrity in carrying out its
pelaksanaan tugas; duties;
20. Memberikan rekomendasi terkait penunjukan 20. Provide recommendations regarding the appointment of
pengendali mutu independen dari pihak eksternal dalam an independent quality controller from an external party
melakukan kaji ulang terhadap kinerja SKAI; in conducting a review of SKAI’s performance;
21. Melakukan penelaahan terhadap laporan pelaksanaan 21. Review the implementation report and the main points of
dan pokok-pokok hasil audit internal; the internal audit results;
22. Menelaah laporan khusus mengenai setiap temuan 22. Reviewing special reports on any internal audit findings
audit internal yang diperkirakan dapat membahayakan that are estimated to endanger the Bank’s business
kelangsungan usaha Bank; continuity;
23. Menelaah pengaduan yang berkaitan dengan proses 23. Reviewing complaints related to the Bank’s accounting
akuntansi dan pelaporan keuangan Bank; and financial reporting processes;
24. Menelaah dan memberikan saran kepada Dewan 24. Reviewing and providing advice to the Board of
Komisaris terkait dengan adanya potensi benturan Commissioners regarding potential conflicts of interest
kepentingan Bank; dan within the Bank; and
25. Menjaga kerahasiaan dokumen, data dan informasi 25. Maintaining the confidentiality of the Bank’s documents,
Bank. data and information.
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Wewenang Komite Audit Audit Committee Authority
Wewenang Komite Audit Bank, antara lain: The authority of the Bank’s Audit Committee, among others:
1. Mengakses dokumen, data, dan informasi Bank tentang 1. Accessing the Bank’s documents, data, and information
karyawan, dana, aset, dan sumber daya perusahaan on employees, funds, assets, and company resources as
yang diperlukan; needed;
2. Berkomunikasi langsung dengan karyawan, termasuk 2. Communicating directly with employees, including the
Direksi dan pihak yang menjalankan Fungsi Audit Board of Directors and parties carrying out the Internal Audit
Internal, manajemen risiko, dan akuntan terkait tugas dan Function, risk management, and accountants regarding the
tanggung jawab Komite Audit; duties and responsibilities of the Audit Committee;
3. Melibatkan Pihak Independen di luar anggota Komite 3. Involving Independent Parties outside the Audit
Audit yang diperlukan untuk membantu pelaksanaan Committee members as needed to assist in carrying out
tugasnya ( jika diperlukan); dan its duties (if necessary); and
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Carrying out other authorities granted by the Board of
Komisaris. Commissioners.
Tanggung Jawab Komite Audit dalam
Pemberian Rekomendasi atas Penunjukan dan
Audit Committee’s Responsibility in Providing
Recommendations for the Appointment and
303
Pemberhentian Auditor Eksternal Dismissal of the External Auditor
2024
Berkenaan dengan auditor eksternal, Komite Audit berperan With regard to the external auditor, the Audit Committee is Performance
memberikan rekomendasi kepada Dewan Komisaris dalam responsible for providing recommendations to the Board Highlights
penunjukannya untuk disampaikan kepada RUPS. Ketika of Commissioners for submission to the General Meeting
auditor eksternal tidak dapat menyelesaikan tugasnya, of Shareholders (GMS). In the event the external auditor is Management
Komite Audit memberikan rekomendasi pengganti yang unable to complete its duties, the Audit Committee shall Report
disampaikan kepada Dewan Komisaris. recommend a replacement to the Board of Commissioners.
Company
Rapat Komite Audit Audit Committee Meetings Profile
Kebijakan Policy
Management
Kebijakan pelaksanaan Rapat Komite Audit merujuk pada The implementation policy of the Audit Committee Meeting Discussion and
Piagam Komite Audit serta POJK No. 17 Tahun 2023, yakni refers to the Audit Committee Charter and POJK No. 17 of Analysis
diselenggarakan dalam jangka waktu sekurangkurangnya 1 2023, which is held within a period of at least 1 (one) time
(satu) kali dalam 1 (satu) bulan. Rapat tersebut dihadiri oleh in 1 (one) month. The meeting is attended by at least 51% Business
paling sedikit 51% dari jumlah anggota, termasuk seorang of the members, including an Independent Commissioner Support
Komisaris Independen dan Pihak Independen. Apabila and Independent Party. If deemed necessary, the Audit Overview
dipandang perlu, Komite Audit dapat mengundang unit kerja Committee can invite related work units with the knowledge
terkait dengan sepengetahuan Direktur yang membidangi. of the Director in charge. CORPORATE
GOVERNANCE
Frekuensi dan Kehadiran Frequency and Attendance
Pada tahun 2024, Komite Audit telah menyelenggarakan In 2024, the Audit Committee convened 12 meetings, with Sustainability
rapat sebanyak 12 kali, dengan tingkat kehadiran sebagai attendance rates as detailed below. Report
berikut.
Jumlah Rapat
Nama Jabatan Jumlah Kehadiran Tingkat Kehadiran (%)
Number of
Name Position Number of Attendance Attendance Rate (%)
Meetings
Ketua
Sammy Kristamuljana 12 12 100
Chairman
Anggota (Pihak Independen)
Robert A Simanjuntak 12 12 100
Member (Independent Party)
Anggota (Pihak Independen)
Reynold M Batubara 12 12 100
Member (Independent Party)
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Informasi mengenai pelaksanaan Rapat Komite Audit, mulai Information regarding the implementation of the Audit
dari tanggal, peserta, dan agenda diungkapkan pada tabel Committee Meeting, starting from the date, participants and
berikut. agenda is disclosed in the following table.
Tanggal Peserta
Agenda
Date Participant
1. Struktur Organisasi 2024
2. Annual Audit Plan 2024
3. Carry Over Audit – Q4 2023
4. Audit Result and Key Issues Q4 2023
5. Progress Tindak Lanjut Hasil Temuan SKAI (Overdue Findings)
- Sammy Kristamuljana
29 Januari 2024 6. Updates
- Robert A Simanjuntak
January 29, 2024 1. Organizational Structure 2024
- Reynold M Batubara
2. Annual Audit Plan 2024
3. Carry Over Audit – Q4 2023
4. Audit Result and Key Issues Q4 2023
5. Progress of Follow-up on SKAI Findings (Overdue Findings)
6. Updates
304 27 Februari 2024
- Sammy Kristamuljana
- Robert A Simanjuntak
1. Update per Februari 2024
2. Program Kerja Komite Audit Tahun 2024
February 27, 2024 1. Update as of February 2024
- Reynold M Batubara
2. Audit Committee Work Program 2024
Ikhtisar Kinerja
2024 - Sammy Kristamuljana 1. Hasil Audit Laporan Keuangan PT. Bank Sinarmas Tbk. periode 31 Desember 2023
27 Maret 2024
- Robert A Simanjuntak 1. Audit Results of PT. Bank Sinarmas Tbk. Financial Report for the period 31 December
March 27, 2024
- Reynold M Batubara 2023
Laporan
Manajemen 1. Audit Result and Key Issues Q1 2024
- Sammy Kristamuljana
24 April 2024 2. Overdue Findings
- Robert A Simanjuntak
April 24, 2024 3. Updates
- Reynold M Batubara
Profil 4. Key Updates
Perusahaan
1. Audit Progress, Result and Key Issues April 2024
- Sammy Kristamuljana
28 Mei 2024 2. Overdue Findings
- Robert A Simanjuntak
Analisis dan May 28, 2024 1. Audit Progress, Results and Key Issues April 2024
- Reynold M Batubara
Pembahasan 2. Overdue Findings
Manajemen 1. Audit Progress Mei 2024
- Sammy Kristamuljana
27 Juni 2024 2. Overdue Findings
- Robert A Simanjuntak
June 27, 2024 1. Audit Progress May 2024
Tinjauan - Reynold M Batubara
2. Overdue Findings
Pendukung
Bisnis 1. Audit Progress Mei 2024
2. Audit Result Juni 2024
3. Updates
TATA KELOLA - Sammy Kristamuljana
26 Juli 2024 4. Overdue Findings
PERUSAHAAN - Robert A Simanjuntak
July 26, 2024 1. Audit Progress May 2024
- Reynold M Batubara
2. Audit Results June 2024
3. Updates
Laporan 4. Overdue Findings
Keberlanjutan
1. IT Security dan Penerapan Data Governance di Bank Sinarmas
2. Progress Temuan Bank (Internal)
- Sammy Kristamuljana
19 Agustus 2024 3. Progress Temuan Bank (Eksternal)
- Robert A Simanjuntak
August 19, 2024 1. IT Security and Data Governance Implementation at Bank Sinarmas
- Reynold M Batubara
2. Bank Findings Progress (Internal)
3. Bank Findings Progress (External)
1. Progress Temuan Bank (Internal)
2. Laporan Penerapan Strategi Anti Fraud PT. Bank Sinarmas Tbk. Periode Triwulan II dan III
Tahun 2024 (SAF)
- Sammy Kristamuljana
19 September 2024 3. Temuan Eksternal
- Robert A Simanjuntak
September 19, 2024 1. Bank Findings Progress (Internal)
- Reynold M Batubara
2. PT. Bank Sinarmas Tbk. Anti-Fraud Strategy Implementation Report for Quarter II and III of
2024 (SAF)
3. External Findings
1. Audit Progress per September 2024
- Sammy Kristamuljana
23 Oktober 2024 2. Audit Result September 2024
- Robert A Simanjuntak
October 23, 2024 3. Updates
- Reynold M Batubara
4. Overdue Findings
1. Progress Temuan Bank (Internal)
- Sammy Kristamuljana
26 November 2024 2. Progress Temuan Bank (Eksternal)
- Robert A Simanjuntak
November 26, 2024 1. Bank Findings Progress (Internal)
- Reynold M Batubara
2. Bank Findings Progress (External)
1. Rencana Audit Laporan Keuangan PT. Bank Sinarmas Tbk. Tahun 2024
- Sammy Kristamuljana
5 Desember 2024 2. Annual Audit Plan 2025
- Robert A Simanjuntak
December 5, 2024 1. Financial Report Audit Plan of PT. Bank Sinarmas Tbk. 2024
- Reynold M Batubara
2. Annual Audit Plan 2025
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 307
Laporan Pelaksanaan Tugas Komite Audit Audit Committee’s Report on the Execution of Duties
Sepanjang tahun 2024, Komite Audit Bank Sinarmas telah Throughout 2024, the Audit Committee of Bank Sinarmas
melaksanakan tugas dan tanggung jawab sebagai berikut. carried out the following duties and responsibilities:
1. Melakukan pertemuan dengan akuntan publik (AP) guna 1. Held meetings with the Public Accountant (PA) to discuss
pembahasan temuan-temuan AP dalam pelaksanaan findings from the 2023 audit.
audit tahun 2023.
2. Melakukan evaluasi terhadap kinerja kantor akuntan 2. Evaluated the performance of the Public Accounting Firm
public (KAP) atas audit tahun 2023. (PAF) for the 2023 audit.
3. Memberi rekomendasi penunjukan KAP untuk audit 3. Provided recommendations for the appointment of the
tahun buku 2024. PAF for the 2024 financial year audit.
4. Melakukan pertemuan dengan AP guna membahas sifat 4. Conducted meetings with the PA to discuss the nature
dan lingkup audit tahun 2024. and scope of the 2024 audit.
5. Melakukan evaluasi terhadap program kerja SKAI tahun 5. Evaluated the 2024 Internal Audit Unit (SKAI) work
2024. program.
6. Mengadakan rapat-rapat membahas hasil pemeriksaan 6. Held meetings to review the audit findings of SKAI on
SKAI atas kantor-kantor cabang dan unit kerja
sebagaimana program kerja SKAI tahun 2024.
branch offices and work units, as outlined in the 2024
SKAI work program.
305
7. Memberikan rekomendasi kepada manajemen untuk 7. Provided recommendations to management for the
2024
menindaklanjuti hasil temuan SKAI. follow-up of SKAI audit findings. Performance
8. Melakukan monitoring tindaklanjut rekomendasi Komite 8. Monitored the follow-up actions taken by management in Highlights
Audit kepada manajemen terhadap hasil temuan SKAI. response to the Audit Committee’s recommendations on
SKAI audit results. Management
9. Memberikan rekomendasi kepada SKAI terhadap 9. Provided recommendations to SKAI regarding the scope Report
cakupan rencana audit tahunan. of the annual audit plan.
10. Memberi persetujuan atas Laporan Pelaksanaan dan 10. Approved the Internal Audit Implementation Report and Company
Pokok-pokok Hasil Audit Internal setiap semester untuk Key Audit Findings on a semi-annual basis for submission Profile
disampaikan ke Otoritas Jasa Keuangan. to the Financial Services Authority (OJK).
11. Melakukan evaluasi terhadap implementasi kebijakan 11. Evaluated the implementation of the latest accounting
Management
akuntansi terbaru dan kegiatan korporasi yang akan policies and upcoming corporate actions. Discussion and
dilaksanakan. Analysis
12. Melakukan evaluasi terhadap akuntabilitas dan 12. Assessed the accountability and transparency of financial
transparansi laporan keuangan. reporting. Business
Support
Pengembangan Kompetensi Komite Audit Audit Committee Competency Development Overview
Bank Sinarmas memfasilitasi Komite Audit untuk mengikuti Bank Sinarmas facilitates various competency development
berbagai program pengembangan kompetensi. Langkah programs for the Audit Committee. This initiative is aimed CORPORATE
ini dilakukan untuk memastikan Komite Audit memiliki at ensuring that Audit Committee members possess the GOVERNANCE
kompetensi yang diperlukan untuk menjalankan perannya necessary expertise to effectively perform their roles in
secara efektif dalam mendukung kesuksesan dan supporting the Bank’s success and long-term sustainability. Sustainability
keberlanjutan Bank. Report
Uraian pengembangan kompetensi anggota Komite Audit Details of competency development for Audit Committee
dari Dewan Komisaris telah disampaikan pada bagian members from the Board of Commissioners are presented
“Realisasi Pelatihan” Dewan Komisaris yang terdapat pada in the “Training Realization” section of the Board of
Laporan Tahunan ini. Sedangkan realisasi pengembangan Commissioners in this Annual Report. Meanwhile, the
kompetensi dari pihak independen, seperti disampaikan competency development realization for Independent
melalui tabel di bawah ini: Parties is presented in the table below.
Nama Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Competency Development Materials Venue/Date Organizer
Sosialisasi UU Nomor 27 Tahun 2022 tentang Pelindungan
Data Pribadi 19 Juni 2024
Robert A Simanjuntak Bank Sinarmas
Socialization of Law Number 27 Year 2022 on Personal Data Juni 19, 2024
Protection
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 308
Nama Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Competency Development Materials Venue/Date Organizer
Ruang Maluku,
Roxy Square Lt.9
1. Robert A Simanjuntak 23 Juli 2024 Karim Consulting
Training PDPS For Excekutif
2. Reynold M Batubara Ruang Maluku, Indonesia
Roxy Square Fl.9
July 23, 2024
27 September 2024
Robert A Simanjuntak Sinarmas Digital Day Sinarmas
September 27, 2024
LED-5: Audit Committee Essentials 11 Oktober 2024 Singapore Institute of
Robert A Simanjuntak
LED-6: Board Risk Committee Essentials October 11, 2024 Directors
Bali Nusa Dua Convention
Asia Confederation of
1. Robert A Simanjuntak Center 2, Bali, Indonesia
ACIIA Regional Conference Purposeful Impact Institutes of Internal
2. Reynold M Batubara 28 – 29 Agustus 2024
Auditors
August 28 -29, 2024
Era Baru Audit Internal: Pengadopsian Global Internal Audit
Standards (GIAS) dan Peran Artificial Intelligence (AI) dalam
Audit Internal PWC Indonesia Office
306 Reynold M Batubara
The New Era of Internal Audit: The Adoption of Global Internal
31 Oktober 2024
October 31, 2024
Ikatan Auditor Intern
Bank
Audit Standards (GIAS) and the Role of Artificial Intelligence (AI)
Ikhtisar Kinerja in Internal Auditing
2024
Laporan KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE
Manajemen Komite Pemantau Risiko merupakan organ yang dibentuk The Risk Monitoring Committee serves as a supervisory
untuk memperkuat pengawasan terhadap potensi risiko body established to enhance oversight of potential risks
Profil yang dapat timbul dari kegiatan operasional Bank. Komite arising from the Bank’s operational activities. It also plays a
Perusahaan
ini juga memiliki peran dalam menilai keselarasan antara key role in evaluating the consistency between the Bank’s
kebijakan manajemen risiko dengan implementasinya. risk management policies and their actual implementation.
Analisis dan
Pembahasan
Manajemen Pedoman Kerja Work Guidelines
Komite Pemantau Risiko menjalankan tugas tanggung The Risk Monitoring Committee performs its duties and
Tinjauan jawabnya dengan berpedoman pada Piagam Komite responsibilities in accordance with the Risk Monitoring
Pendukung
Bisnis
Pemantau Risiko Rev 3.0. Piagam tersebut telah disahkan Committee Charter Revision 3.0, which was ratified on May
pada 16 Mei 2019 yang memuat tentang: 16, 2019. The charter outlines the following provisions:
TATA KELOLA 1. Pembentukan dan Dasar Hukum; 1. Formation and Legal Basis;
PERUSAHAAN 2. Susunan dan Syarat Keanggotaan; 2. Membership Composition and Requirements;
3. Pengangkatan dan Pemberhentian; 3. Appointment and Dismissal;
Laporan 4. Tugas dan Tanggung Jawab; 4. Duties and Responsibilities;
Keberlanjutan 5. Wewenang dan Masa Tugas; 5. Authority and Term of Office;
6. Kode Etik; 6. Code of Ethics;
7. Tata cara dan Prosedur Kerja; 7. Work Procedures and Procedures;
8. Ketentuan Rapat; 8. Meeting Provisions;
9. Pelaporan; dan 9. Reporting; and
10. Masa Berlaku. 10. Validity Period.
Pengangkatan dan Pemberhentian Appointment and Dismissal
Anggota Komite Pemantau Risiko diangkat oleh Direksi Members of the Risk Monitoring Committee are appointed
berdasarkan keputusan rapat Dewan Komisaris. by the Board of Directors based on the decision of the Board
of Commissioners meeting.
Struktur dan Susunan Anggota Komite Structure and Composition of Members of the
Pemantau Risiko Risk Monitoring Committee
Anggota Komite Pemantau Risiko Bank Sinarmas, terdiri The Risk Monitoring Committee of Bank Sinarmas is
dari seorang Komisaris Independen sebagai Ketua, seorang composed of an Independent Commissioner serving as
Komisaris Utama sebagai anggota, serta 2 orang Pihak Chairman, the President Commissioner as a member, and
Independen yang memiliki keahlian di bidang keuangan dan two Independent Parties with expertise in finance and risk
manajemen risiko. Susunan anggota Komite Pemantau Risiko management. The composition of the Committee as of
Bank per 31 Desember 2024 diungkapkan sebagai berikut. December 31, 2024, is presented as follows.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 309
Periode Masa
Nama Jabatan Dasar Pengangkatan Keahlian
Jabatan
Name Position Legal Basis of Appointment Expertise
Term of Office
Perbankan dan
Ketua Ekonomi.
Rusmin 2024-2026
Chairman Banking and
Economics.
Surat Keputusan No. SK.071/2024/
PRESDIR tentang Susunan Anggota Ekonomi, Keuangan,
Anggota Komite Pemantau Risiko PT Bank dan Perbankan.
Tjendrawati Widijaja 2024-2026
Member Sinarmas Tbk., yang dikeluarkan Economics, Finance,
pada 1 Oktober 2024. and Banking.
Decree No. SK.071/2024/PRESDIR Ekonomi dan
Anggota (Pihak Independen) concerning the Composition of Keuangan.
Reynold M Batubara Members of the Risk Monitoring 2024-2026
Member (Independent Party) Economics and
Committee of PT. Bank Sinarmas Tbk., Finance.
issued on October 1, 2024.
Ekonomi, Keuangan,
Anggota (Pihak Independen) dan Perbankan.
Robert A Simanjuntak 2024-2026
Member (Independent Party) Economics, Finance,
and Banking.
307
Profil Anggota Komite Pemantau Risiko Profile of Risk Monitoring Committee Members
2024
Profil anggota Komite Pemantau Risiko yang merupakan The profiles of Risk Monitoring Committee members who Performance
anggota Dewan Komisaris telah disampaikan dalam bab are part of the Board of Commissioners are presented in the Highlights
Profil Perusahaan yang terdapat dalam Laporan Tahunan Company Profile section of this Annual and Sustainability
dan Keberlanjutan ini. Anggota Komite Pemantau Risiko Report. The Independent Parties serving on the Risk Management
yang berasal dari Pihak Independen memiliki rangkap Monitoring Committee also hold concurrent positions as Report
jabatan sebagai anggota Komite Audit dengan profil sudah members of the Audit Committee, with their profiles disclosed
disampaikan pada bagian Profil Anggota Komite Audit. in the Audit Committee Member Profiles section. Company
Profile
Independensi Komite Pemantau Risiko Independence of the Risk Monitoring Committee
Bank menjamin bahwa seluruh anggota Komite Pemantau The Bank ensures that all members of the Risk Monitoring
Management
Risiko bertindak secara independen dan tidak menerima/ Committee act independently and do not receive or engage Discussion and
melakukan intervensi dari/kepada pihak lainnya. Komite in any form of intervention from or with other parties. Analysis
Pemantau Risiko juga tidak memiliki kepentingan serta Furthermore, the Committee members have no personal
keterkaitan yang bersifat pribadi yang berpotensi interests or affiliations that could potentially lead to a Business
menimbulkan benturan kepentingan (conflict of interest) conflict of interest with the Bank. This is affirmed through the Support
dengan Bank. Hal tersebut tercermin melalui pernyataan following statement of independence. Overview
independensi berikut.
CORPORATE
GOVERNANCE
Aspek Independensi Tjendrawati Reynold M Robert A
Rusmin
Independence Aspect Widijaja Batubara Simanjuntak
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi. Sustainability
Has no financial relationship with the Board of Commissioners and Board √ √ √ √ Report
of Directors.
Tidak memiliki hubungan kepemilikan saham di Bank.
√ √ √ √
Has no share ownership relationship in the Bank.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, serta
perusahaan afiliasi.
√ √ √ √
Has no management relationship in the Bank, Subsidiaries, and affiliated
companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi,
dan/atau anggota Komite Pemantau Risiko.
√ √ √ √
Has no family relationship with the Board of Commissioners, Board of
Directors, and/or members of the Risk Monitoring Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan
pemerintah.
√ √ √ √
Has no position as a political party administrator, official, and
government.
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Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of the Risk
Risiko Monitoring Committee
Tugas dan tanggung jawab Komite Pemantau Risiko Bank The duties and responsibilities of the Risk Monitoring
Sinarmas, yakni: Committee of Bank Sinarmas are as follows:
1. Memberikan rekomendasi kepada Dewan Komisaris 1. Provide recommendations to the Board of Commissioners
dalam rangka meningkatkan efektivitas Bank, terkait: to enhance the Bank’s effectiveness, particularly regarding:
a. Evaluasi tentang kesesuaian antara kebijakan a. Evaluation of the alignment between risk
manajemen risiko dengan pelaksanaan kebijakan management policies and their implementation
Bank; within the Bank;
b. Pemantauan dan evaluasi pelaksanaan tugas Komite b. Monitoring and evaluation of the performance of
Manajemen Risiko dan Satuan Kerja Manajemen the Risk Management Committee and the Risk
Risiko (SKMR); dan Management Work Unit (SKMR); and
2. Memberikan rekomendasi kepada Dewan Komisaris atas 2. Provide recommendations to the Board of Commissioners
kebijakan yang telah diambil oleh Manajemen berkaitan on policies adopted by Management related to risk
dengan manajemen risiko dan memastikan kebijakan management and ensure that risk management policies
308 manajemen risiko telah dilaksanakan dengan baik. are properly implemented.
Ikhtisar Kinerja
Wewenang Komite Pemantau Risiko Authority of the Risk Monitoring Committee
2024 Wewenang Komite Pemantau Risiko Bank, antara lain: The authorities of the Risk Monitoring Committee include:
1. Memperoleh dokumen, data, dan informasi tentang 1. Accessing documents, data, and information related to
Laporan Bank yang berkaitan dengan tugas dan tanggung jawab the Bank as necessary for the execution of its duties and
Manajemen komite; dan responsibilities; and
2. Melakukan koordinasi dengan Risk Management Group 2. Coordinating with the Risk Management Group or other
Profil atau unit kerja lainnya apabila diperlukan. relevant work units, as needed.
Perusahaan
Analisis dan
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings
Pembahasan
Manajemen Kebijakan Policy
Rapat Komite Pemantau Risiko diselenggarakan minimal Risk Monitoring Committee meetings must be held at least
Tinjauan 1 (satu) kali dalam satu bulan. Rapat tersebut dihadiri oleh 1 (one) time per month. Each meeting must be attended
Pendukung
Bisnis
paling sedikit 51% dari jumlah anggota, termasuk seorang by no less than 51% of the total members, including one
Komisaris Independen dan seorang Pihak Independen. Independent Commissioner and one Independent Party.
TATA KELOLA
PERUSAHAAN Realisasi Realization
Pada tahun 2024, Komite Pemantau Risiko telah In 2024, the Risk Monitoring Committee held a total of 12
Laporan menyelenggarakan rapat sebanyak 12 kali, dengan tingkat meetings, with attendance levels as detailed below.
Keberlanjutan kehadiran sebagai berikut.
Jumlah Kehadiran
Nama Jabatan Jumlah Rapat Tingkat Kehadiran (%)
Number of
Name Position Number of Meetings Attendance Rate (%)
Attendance
Ketua
Rusmin 12 12 100
Chairman
Anggota
Tjendrawati Widijaja 12 9 75
Member
Anggota (Pihak Independen)
Reynold M Batubara 12 12 100
Member (Independent Party)
Anggota (Pihak Independen)
Robert A Simanjuntak 12 11 92
Member (Independent Party)
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Informasi mengenai pelaksanaan Rapat Komite Pemantau Information regarding the implementation of the Risk
Risiko, mulai dari tanggal, peserta, dan agenda diungkapkan Monitoring Committee Meeting, starting from the date,
pada tabel berikut. participants, and agenda is disclosed in the following table.
Tanggal Peserta
Agenda
Date Participant
1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko Tanggal 24 November 2023 dan
Komite Pemantau Risiko Tanggal 17 Oktober 2023
2. Proposal Laporan Tingkat Kesehatan Bank Semester II – Desember 2023 & Profil Risiko UUS
Triwulan IV – Desember 2023
2.1 Laporan Tingkat Kesehatan Bank Semester II – Desember 2023
2.2 Laporan Profil Risiko Bank Semester II – Desember 2023
2.3 Laporan Profil Risiko UUS Triwulan IV – Desember 2023
2.4 Laporan Tata Kelola, Rentabilitas, Permodalan Semester II – Desember 2023
3. Laporan Stress Testing Bank dan UUS Semester II – Desember 2023
4. Laporan Internal Capital Adequacy Assessment Process (ICAAP) Semester II – Desember 2023
5. Pelampauan Risk Appetite & Risk Tolerance Triwulan IV – Desember 2023 (Oktober, November,
Desember)
6. Pemantauan Realisasi Rasio Pembiayaan Inklusif Makroprudensial (RPIM) Posisi Desember 2023
19 Januari 2024
-
-
Rusmin
Tjendrawati Widjaja
7. Pemantauan dan Pelaporan Restrukturisasi Kredit Dampak Covid-19 Triwulan IV – Desember
2023
309
January 19, 2024 - Reynold M Batubara 1. Follow-up to the Recommendations of the Risk Management Committee Meeting on November
- Robert A Simanjuntak 24, 2023 and the Risk Monitoring Committee on October 17, 2023 2024
2. Proposal for the Bank Health Level Report for Semester II – December 2023 & UUS Risk Profile Performance
for Quarter IV – December 2023
Highlights
2.1 Bank Health Level Report for Semester II – December 2023
2.2 Bank Risk Profile Report for Semester II – December 2023
2.3 UUS Risk Profile Report for Quarter IV – December 2023
2.4 Governance, Rentability, Capital Report for Semester II – December 2023 Management
3. Bank and UUS Stress Testing Report for Semester II – December 2023 Report
4. Internal Capital Adequacy Assessment Process (ICAAP) Report for Semester II – December 2023
5. Exceeding Risk Appetite & Risk Tolerance for Quarter IV – December 2023 (October, November,
December) Company
6. Monitoring Realization of Macroprudential Inclusive Financing Ratio (RPIM) Position December Profile
2023
7. Monitoring and Reporting of Credit Restructuring Impact of Covid-19 Quarter IV – December 2023
1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko Tanggal 17 Januari 2024 dan Komite Management
Pemantau Risiko Tanggal 19 Januari 2024 Discussion and
2. Proposal Persetujuan Risk Appetite & Risk Tolerance PT. Bank Sinarmas Tbk. Konvensional Tahun Analysis
2024
2.1 Dasar penetapan Risk Appetite & Risk Tolerance Tahun 2024
2.2 Risk Appetite & Risk Tolerance Tahun 2024 per Jenis Risiko Business
3. Penerapan Risk Control Self Assessment (RCSA) End to end Process dengan Metode
Support
Penyempurnaan
Overview
4. Realisasi Rencana Kerja Komite Pemantau Risiko Tahun 2023 dan Proposal Program Kerja Komite
- Rusmin
29 Februari 2024 Pemantau Risiko Tahun 2024
- Reynold M Batubara
February 29, 2024 1. Follow-up to the Recommendations of the Risk Management Committee Meeting on January 17,
- Robert A Simanjuntak CORPORATE
2024 and the Risk Monitoring Committee on January 19, 2024
2. Proposal for Approval of Risk Appetite & Risk Tolerance of PT. Bank Sinarmas Tbk. Conventional GOVERNANCE
in 2024
2.1 Basis for Determining Risk Appetite & Risk Tolerance in 2024
2.2 Risk Appetite & Risk Tolerance in 2024 per Type of Risk Sustainability
3. Implementation of Risk Control Self Assessment (RCSA) End to End Process with Improvement Report
Method
4. Realization of the Risk Monitoring Committee Work Plan in 2023 and Proposal for the Risk
Monitoring Committee Work Program in 2024
1. Konfirmasi Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko Tanggal 28 Februari
2024 dan Rapat
2. Komite Pemantau Risiko Tanggal 29 Februari 2024
3. Proposal Persetujuan Hasil Kaji Ulang Peers Bank Tahun 2024 untuk Penyusunan Laporan
Profil Risiko Bank Proposal Kaji Ulang Parameter, Threshold, dan Bobot Risiko Penilaian Tingkat
Kesehatan Bank dan Profil Risiko (Bank dan Konsolidasi)
4. Proposal Kaji Ulang Parameter Rentabilitas dalam Laporan Tingkat Kesehatan Bank (Proposal
Diajukan oleh Finance Group) Simulasi Perhitungan Laporan Tingkat Kesehatan Bank dan
Laporan Profil Risiko Bank
- Rusmin 5. (Konsolidasi & Konvensional) dengan Parameter, Rentang Risiko, dan Bobot Risiko Terbaru
27 Maret 2024 - Tjendrawati Widjaja Menggunakan Data Posisi 31 Desember 2023.
March 27, 2024 - Reynold M Batubara 1. Confirmation of Follow-up Recommendations of the Risk Management Committee Meeting on
- Robert A Simanjuntak February 28, 2024 and the Meeting
2. Risk Monitoring Committee on February 29, 2024
3. Proposal for Approval of the Results of the 2024 Bank Peers Review for the Preparation of the
Bank Risk Profile Report Proposal for Review of Parameters, Thresholds, and Risk Weights for
Bank Health Level Assessment and Risk Profile (Bank and Consolidation)
4. Proposal for Review of Rentability Parameters in the Bank Health Level Report (Proposal Submitted
by the Finance Group) Simulation of Calculation of the Bank Health Level Report and Bank Risk
Profile Report
5. (Consolidation & Conventional) with the Latest Parameters, Risk Range, and Risk Weights Using
Data Positioned on December 31, 2023.
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2024 PT. Bank Sinarmas Tbk.
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Tanggal Peserta
Agenda
Date Participant
1. Konfirmasi Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko Tanggal 26 Maret 2024
dan Rapat Komite Pemantau Risiko Tanggal 27 Maret 2024
2. Proposal Persetujuan Bobot Risiko Penilaian Profil Risiko Bank (Konsolidasi) Tahun 2024
3. Proposal Laporan Profil Risiko Bank (Individu dan Konsolidasi) Triwulan I – 31 Maret 2024
3.1 Proposal Laporan Profil Risiko Bank (Individu) Triwulan I – 31 Maret 2024
3.2 Proposal Laporan Profil Risiko Bank (Konsolidasi) Triwulan I – 31 Maret 2024
4. Simulasi Peringkat Tingkat Kesehatan Bank Individu & Konsolidasi Posisi 31 Maret 2024 (Tata
Kelola, Rentabilitas & Permodalan)
5. Proposal Risk Appetite & Risk Tolerance Maksimum Realisasi Kerugian Surat Berharga Tahun
2024 Pelampauan Risk Appetite & Risk Tolerance Triwulan I – 31 Maret 2024 (Januari, Februari,
Maret)
6. Pelampauan Risk Appetite & Risk Tolerance Triwulan I – 31 Maret 2024 (Januari, Februari, Maret)
- Rusmin 7. Pemantauan Realisasi Rasio Pembiayaan Inklusif Makroprudensial (RPIM) Posisi 2024.
25 April 2024
- Reynold M Batubara 1. Confirmation of Follow-up Recommendations of the Risk Management Committee Meeting on
April 25, 2024
- Robert A Simanjuntak March 26, 2024 and the Risk Monitoring Committee Meeting on March 27, 2024
2. Proposal for Approval of Risk Weight for Bank Risk Profile Assessment (Consolidation) in 2024
3. Proposal for Bank Risk Profile Report (Individual and Consolidation) for Quarter I – March 31, 2024
3.1 Proposal for Bank Risk Profile Report (Individual) for Quarter I – March 31, 2024
3.2 Proposal for Bank Risk Profile Report (Consolidation) for Quarter I – March 31, 2024
310 4. Simulation of Individual & Consolidated Bank Health Rating Position on March 31, 2024
(Governance, Profitability & Capital)
5. Proposal for Risk Appetite & Risk Tolerance Maximum Realization of Securities Losses in 2024
Exceeding Risk Appetite & Risk Tolerance for Quarter I – March 31, 2024 (January, February,
Ikhtisar Kinerja
March)
2024 6. Exceedance of Risk Appetite & Risk Tolerance Quarter I – March 31, 2024 (January, February,
March)
Laporan 7. Monitoring the Realization of the Macroprudential Inclusive Financing Ratio (RPIM) Position 2024.
Manajemen - Rusmin 1. Laporan Penerapan Strategi Anti Fraud PT. Bank Sinarmas Tbk. Periode Triwulan IV 2023 dan I
28 Mei 2024 - Tjendrawati Widjaja Tahun 2024
May 28, 2024 - Reynold M Batubara 1. Report on the Implementation of Anti-Fraud Strategy of PT. Bank Sinarmas Tbk. Quarter IV 2023
Profil - Robert A Simanjuntak and Quarter I 2024
Perusahaan
1. Konfirmasi Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko Tanggal 26 Maret 2024
dan 24 April 2024 serta Rapat Komite Pemantau Risiko Tanggal 25 April 2024
Analisis dan 2. Update Pemenuhan Sertifikasi Manajemen Risiko (HCM)
Pembahasan - Rusmin 3. Proposal Persetujuan atas Aspek Penilaian Manajemen Risiko TI (bagian dari Digital Maturity
Manajemen 27 Juni 2024 - Tjendrawati Widjaja Assessment Bank) Posisi Desember 2023
June 27, 2024 - Reynold M Batubara 1. Confirmation of Follow-up Recommendations of the Risk Management Committee Meetings on
- Robert A Simanjuntak March 26, 2024 and April 24, 2024 and the Risk Monitoring Committee Meeting on April 25, 2024
Tinjauan 2. Update on Fulfillment of Risk Management Certification (HCM)
Pendukung 3. Proposal for Approval of IT Risk Management Assessment Aspects (part of the Bank›s Digital
Bisnis Maturity Assessment) Position December 2023
TATA KELOLA
PERUSAHAAN
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 313
Tanggal Peserta
Agenda
Date Participant
1. Konfirmasi tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko tanggal 26 Juni 2024 dan
Rapat Komite Pemantau Risiko tanggal 27 Juni 2024
2. Proposal Persetujuan Rentang Risiko Profil Risiko Kredit (Individu & Konsolidasi)
3. Proposal Persetujuan Perhitungan Bobot Modal Laporan Internal Capital Adequacy Assessment
Process (ICAAP) Konsolidasi
4. Proposal Laporan Tingkat Kesehatan Bank (Individu & Konsolidasi) Semester I – Juni 2024 &
Profil Risiko Bank (Individu & Konsolidasi) Triwulan II - Juni 2024
4.1 Proposal Laporan Tingkat Kesehatan (Individu) Bank Semester I – Juni 2024
4.2 Proposal Laporan Profil Risiko Bank (Individu) Semester I – Juni 2024
4.3 Proposal Laporan Tata Kelola, Rentabilitas, Permodalan (Individu) Semester I – Juni 2024
4.4 Proposal Peringkat Laporan Profil Risiko Bank (Individu) Triwulan II – Juni 2024
4.5 Proposal Laporan Tingkat Kesehatan (Konsolidasi) Bank Semester I – Juni 2024
4.6 Proposal Laporan Profil Risiko Bank (Konsolidasi) Semester I – Juni 2024
4.7 Proposal Laporan Tata Kelola, Rentabilitas, Permodalan (Konsolidasi) Semester I – Juni 2024
4.8 Proposal Peringkat Laporan Profil Risiko Bank (Konsolidasi) Triwulan II – Juni 2024
5. Proposal Laporan Stress Testing Bank (Individu & Konsolidasi) Semester I – Juni 2024
6. Proposal Laporan Internal Capital Adequacy Assessment Process (ICAAP) (Individu & Konsolidasi)
Semester I – Juni 2024
- Rusmin 7. Pelampauan Risk Appetite & Risk Tolerance Triwulan II – Juni 2024 (April , Mei, Juni)
18 Juli 2024
July 18, 2024
-
-
Tjendrawati Widjaja
Reynold M Batubara
8. Pemantauan Realisasi Rasio Pembiayaan Inklusif Makroprudensial (RPIM) Posisi Juni 2024
1. Confirmation of Follow-up Recommendations of the Risk Management Committee Meeting on 311
- Robert A Simanjuntak June 26, 2024 and the Risk Monitoring Committee Meeting on June 27, 2024
2. Proposal for Approval of Risk Range of Credit Risk Profile (Individual & Consolidated)
3. Proposal for Approval of Calculation of Capital Weight of Internal Capital Adequacy Assessment 2024
Process (ICAAP) Consolidated Report Performance
4. Proposal for Report on Bank Health Level (Individual & Consolidated) Semester I – June 2024 & Highlights
Bank Risk Profile (Individual & Consolidated) Quarter II - June 2024
4.1 Proposal for Bank Health Level Report (Individual) Semester I – June 2024
4.2 Proposal for Bank Risk Profile Report (Individual) Semester I – June 2024 Management
4.3 Proposal for Governance, Rentability, Capital Report (Individual) Semester I – June 2024 Report
4.4 Proposal for Bank Risk Profile Report Rating (Individual) Quarter II – June 2024
4.5 Proposal for Bank Health Level Report (Consolidation) Semester I – June 2024
4.6 Proposal for Bank Risk Profile Report (Consolidation) Semester I – June 2024
Company
4.7 Proposal for Governance, Rentability, Capital Report (Consolidation) Semester I – June 2024
4.8 Proposal for Bank Risk Profile Report Rating (Consolidation) Quarter II – June 2024
Profile
5. Proposal for Bank Stress Testing Report (Individual & Consolidation) Semester I – June 2024
6. Proposal for Internal Capital Adequacy Assessment Process (ICAAP) Report (Individual &
Consolidated) Semester I – June 2024 Management
7. Exceedance of Risk Appetite & Risk Tolerance Quarter II – June 2024 (April, May, June) Discussion and
8. Monitoring of Realization of Macroprudential Inclusive Financing Ratio (RPIM) Position June 2024 Analysis
- Rusmin
19 Agustus 2024 - Tjendrawati Widjaja 1. Penanganan Restrukturisasi Kredit Bermasalah
August 19, 2024 - Reynold M Batubara 1. Handling of Non Performing Credit Restructuring Business
- Robert A Simanjuntak Support
Overview
1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko tanggal 17 Juli 2024 dan Rapat
Komite Pemantau Risiko tanggal 18 Juli 2024
2. Proposal Persetujuan Kaji Ulang Risk Appetite & Risk Tolerance Bank Tahun 2024
3. Tindak Lanjut permintaan Komite Pemantauan Risiko mengenai Evaluasi Risiko terkait Transaksi
CORPORATE
di Treasury (Risiko Pasar, Likuiditas & Operasional) GOVERNANCE
• Kebijakan, Prosedur, dan Penetapan Limit Risiko
30 September • Identifikasi, Pengukuran dan Pemantauan Risiko
- Rusmin
2024 • Management Information System Sustainability
- Tjendrawati Widjaja
September 30, 1. Follow-up to the Recommendations of the Risk Management Committee Meeting on July 17, 2024 Report
- Reynold M Batubara
2024 and the Risk Monitoring Committee Meeting on July 18, 2024
2. Proposal for Approval of the Bank’s Risk Appetite & Risk Tolerance Review in 2024
3. Follow-up to the Risk Monitoring Committee’s request regarding the Evaluation of Risks related to
Transactions in Treasury (Market, Liquidity & Operational Risks)
• Risk Limit Policies, Procedures, and Determination
• Risk Identification, Measurement and Monitoring
• Management Information System
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 314
Tanggal Peserta
Agenda
Date Participant
1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko tanggal 24 September 2024 dan
Rapat Komite Pemantau Risiko tanggal 30 September 2024
2. Proposal Laporan Profil Risiko Bank (Individu & Konsolidasi) Triwulan III - September 2024
• Proposal Laporan Profil Risiko Bank (Individu) Triwulan III – September 2024
• Proposal Laporan Profil Risiko Bank (Konsolidasi) Triwulan III – September 2024
• Proposal Simulasi Peringkat Tingkat Kesehatan (Individu & Konsolidasi) Bank Triwulan III –
September 2024
• Proposal Simulasi Peringkat Tata Kelola, Rentabilitas, Permodalan (Individu & Konsolidasi)
Triwulan III – September 2024
3. Pelampauan Risk Appetite & Risk Tolerance Triwulan III – September 2024 (Juli, Agustus,
September)
- Rusmin 4. Pemantauan Realisasi Rasio Pembiayaan Inklusif Makroprudensial (RPIM) Posisi September 2024
17 Oktober 2024
- Reynold M Batubara 1. Follow-up to the Recommendations of the Risk Management Committee Meeting on September
October 17, 2024
- Robert A Simanjuntak 24, 2024 and the Risk Monitoring Committee Meeting on September 30, 2024
2. Proposal for the Bank’s Risk Profile Report (Individual & Consolidated) for Quarter III - September
2024
• Proposal for the Bank’s Risk Profile Report (Individual) for Quarter III – September 2024
• Proposal for the Bank’s Risk Profile Report (Consolidated) for Quarter III – September 2024
• Proposal for Bank Health Rating Simulation (Individual & Consolidated) Quarter III – September
312 2024
• Proposal for Governance, Rentability, Capital Rating Simulation (Individual & Consolidated)
Quarter III – September 2024
3. Exceeding Risk Appetite & Risk Tolerance Quarter III – September 2024 (July, August, September)
Ikhtisar Kinerja
4. Monitoring the Realization of the Macroprudential Inclusive Financing Ratio (RPIM) Position
2024 September 2024
1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko tanggal 16 Oktober 2024 dan Rapat
Laporan Komite Pemantau Risiko tanggal 17 Oktober 2024
Manajemen 2. Kaji Ulang Metodologi Perhitungan ICAAP
3. Realisasi Rencana Kerja Komite Manajemen Risiko Tahun 2024 dan Proposal Program Kerja
Komite Manajemen Risiko Tahun 2025
Profil 26 November - Rusmin • Realisasi Rencana Kerja Komite Pemantau Risiko Tahun 2024
Perusahaan 2024 - Tjendrawati Widjaja • Proposal Program Kerja Komite Pemantau Risiko Tahun 2025
November 26, - Reynold M Batubara 1. Follow-up to the Recommendations of the Risk Management Committee Meeting on October 16,
Analisis dan 2024 - Robert A Simanjuntak 2024 and the Risk Monitoring Committee Meeting on October 17, 2024
2. Review of the ICAAP Calculation Methodology
Pembahasan
3. Realization of the Risk Management Committee Work Plan for 2024 and the Risk Management
Manajemen
Committee Work Program Proposal for 2025
• Realization of the Risk Monitoring Committee Work Plan for 2024
Tinjauan • Proposal of the Risk Monitoring Committee Work Program for 2025
Pendukung 1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko tanggal 25 November 2024 dan
Bisnis Rapat Komite Pemantau Risiko tanggal 26 November 2024
- Rusmin 2. Rencana Aksi Pemulihan Bank Sinarmas (Recovery Plan) Tahun 2024
11 Desember 2024 - Tjendrawati Widjaja 3. Kinerja Keuangan Bank Sinarmas periode November 2024
TATA KELOLA December 11, 2024 - Reynold M Batubara 1. Follow-up to the Recommendations of the Risk Management Committee Meeting on November
PERUSAHAAN - Robert A Simanjuntak 25, 2024 and the Risk Monitoring Committee Meeting on November 26, 2024
2. Bank Sinarmas Recovery Action Plan (Recovery Plan) for 2024
3. Bank Sinarmas Financial Performance for the period November 2024
Laporan
Keberlanjutan
Laporan Pelaksanaan Tugas Komite Pemantau Report on the Implementation of Risk
Risiko Monitoring Committee Duties
Sepanjang tahun 2024, Komite Pemantau Risiko Bank Throughout 2024, the Risk Monitoring Committee of
Sinarmas telah melaksanakan tugas dan tanggung jawab Bank Sinarmas has carried out the following duties and
sebagai berikut. responsibilities.
1. Memberikan rekomendasi kepada Dewan Komisaris 1. Providing recommendations to the Board of
dalam rangka meningkatkan efektivitas kinerja Bank, Commissioners in order to improve the effectiveness of
terkait: the Bank’s performance, related to:
a. Evaluasi tentang kesesuaian antara kebijakan a. Evaluation of the conformity between risk
manajemen risiko dengan pelaksanaan kebijakan management policies and the implementation of
Bank; Bank policies;
b. Pemantauan dan evaluasi pelaksanaan tugas Komite b. Monitoring and evaluation of the implementation of
Manajemen Risiko dan Satuan Kerja Manajemen the duties of the Risk Management Committee and
Risiko (SKMR); dan the Risk Management Work Unit (SKMR); and
2. Memberikan rekomendasi kepada Dewan Komisaris atas 2. Providing recommendations to the Board of
kebijakan yang telah diambil oleh Manajemen berkaitan Commissioners on policies that have been taken by
dengan manajemen risiko dan memastikan kebijakan Management related to risk management and ensuring
manajemen risiko telah dilaksanakan dengan baik. that risk management policies have been implemented
properly.
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PT. Bank Sinarmas Tbk. 2024
Page 315
Pengembangan Kompetensi Komite Pemantau Risk Monitoring Committee Competency
Risiko Development
Bank Sinarmas memfasilitasi Komite Pemantau Risiko untuk Bank Sinarmas supports the participation of the Risk
mengikuti berbagai program pengembangan kompetensi. Monitoring Committee in various competency development
Langkah ini dilakukan untuk memastikan Komite Pemantau programs. This initiative ensures that the committee
Risiko memiliki kompetensi yang diperlukan untuk possesses the necessary expertise to effectively perform
menjalankan perannya secara efektif dalam mendukung its role in contributing to the Bank’s success and long-term
kesuksesan dan keberlanjutan Bank. sustainability.
Uraian pengembangan kompetensi anggota Komite The competency development of the Risk Monitoring
Pemantau Risiko dari Dewan Komisaris telah disampaikan Committee members from the Board of Commissioners
pada bagian “Realisasi Pelatihan” Dewan Komisaris yang is detailed in the “Training Realization” section of the
terdapat pada Laporan Tahunan ini. Sedangkan realisasi Board of Commissioners in this Annual Report. Meanwhile,
pengembangan kompetensi untuk anggota Komite the competency development of the Independent Party
Pemantau Risiko yang berasal dari Pihak Independen telah members of the Risk Monitoring Committee is outlined in the
disampaikan pada uraian Pengembangan Kompetensi
Komite Audit.
“Audit Committee Competency Development” section.
313
2024
KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION Performance
COMMITTEE Highlights
Komite Remunerasi dan Nominasi dibentuk untuk membantu The Remuneration and Nomination Committee was formed
Dewan Komisaris menjalankan fungsi remunerasi dan to assist the Board of Commissioners in carrying out the Management
nominasi sesuai dengan ketentuan dan prinsip-prinsip GCG. remuneration and nomination functions in accordance with Report
Komite ini juga menjalankan fungsi remunerasi dan nominasi the provisions and principles of GCG. This committee also
bagi anggota Dewan Komisaris, Direksi, anggota organ carries out the remuneration and nomination functions for Company
pendukung Dewan Komisaris, serta kerangka remunerasi members of the Board of Commissioners, Board of Directors, Profile
dan nominasi bagi Pejabat Eksekutif Bank. members of the Board of Commissioners’ supporting organs,
as well as the remuneration and nomination framework for
Management
Bank Executive Officers. Discussion and
Analysis
Pedoman Kerja Work Guidelines
Komite Remunerasi dan Nominasi menjalankan tugas The Remuneration and Nomination Committee carries out its Business
tanggung jawabnya dengan berpedoman pada Piagam duties and responsibilities by referring to the Remuneration Support
Komite Remunerasi dan Nominasi Rev 3.0. Piagam tersebut and Nomination Committee Charter Rev 3.0. The charter was Overview
telah disahkan pada 25 April 2019 yang memuat tentang: ratified on April 25, 2019, which contains:
1. Pembentukan dan Susunan Keanggotaan; 1. Formation and Composition of Membership; CORPORATE
2. Ketentuan; 2. Provisions; GOVERNANCE
3. Pengangkatan dan Pemberhentian; 3. Appointment and Dismissal;
4. Tugas dan Tanggung Jawab; 4. Duties and Responsibilities; Sustainability
5. Kewenangan; 5. Authority; Report
6. Masa Tugas; 6. Term of Office;
7. Kode Etik; 7. Code of Ethics;
8. Kewajiban; 8. Obligations;
9. Tata Cara dan Prosedur Kerja; 9. Work Procedures and Procedures;
10. Ketentuan Rapat; dan 10. Meeting Provisions; and
11. Masa Berlaku. 11. Term of Validity.
Pengangkatan dan Pemberhentian Appointment and Dismissal
Anggota komite remunerasi dan nominasi diangkat dan Members of the Remuneration and Nomination Committee
diberhentikan berdasarkan keputusan rapat Dewan are appointed and dismissed based on resolutions made
Komisaris untuk masa jabatan tertentu. during meetings of the Board of Commissioners, for a
specified term of office.
Struktur dan Susunan Anggota Komite Structure and Composition of Members of the
Remunerasi dan Nominasi Remuneration and Nomination Committee
Anggota Komite Remunerasi dan Nominasi Bank Sinarmas, The Remuneration and Nomination Committee of Bank
terdiri dari seorang Komisaris Independen sebagai Ketua, Sinarmas consists of an Independent Commissioner serving
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
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Page 316
serta seorang Komisaris Utama dan pihak yang menduduki as Chairman, along with the President Commissioner and a
jabatan manajerial di bawah Direksi yang membidangi managerial-level individual overseeing human resources (HR)
sumber daya manusia (SDM) sebagai anggota. Susunan as members. The composition of the Bank’s Remuneration
anggota Komite Remunerasi dan Nominasi Bank per 31 and Nomination Committee as of December 31, 2024, is
Desember 2024 diungkapkan sebagai berikut. disclosed as follows.
Periode Masa
Nama Jabatan Dasar Pengangkatan Keahlian
Jabatan
Name Position Legal Basis of Appointment Expertise
Term of Office
Ketua Surat Keputusan No. SK.071/2024/ Perbankan dan Ekonomi.
Rusmin 2024-2026
Chairman PRESDIR tentang Susunan Anggota Economics and Finance.
Komite Pemantau Risiko PT Bank
Anggota Sinarmas Tbk., yang dikeluarkan Ekonomi, Keuangan, dan Perbankan.
Tjendrawati Widijaja 2024-2026
Member pada 1 Oktober 2024. Economics, Finance and Banking.
Decree No. SK.071/2024/PRESDIR
concerning the Composition of Members
Anggota of the Risk Monitoring Committee of Manajemen SDM.
Christina Suryadinata 2024-2026
Member PT. Bank Sinarmas Tbk., issued on HR Management.
314 October 1, 2024.
Ikhtisar Kinerja
2024 Profil Anggota Komite Remunerasi dan Profile of Remuneration and Nomination
Nominasi Committee Members
Laporan Profil anggota Komite Remunerasi dan Nominasi yang The profile of the members of the Remuneration and
Manajemen merupakan anggota Dewan Komisaris telah disampaikan Nomination Committee who are members of the Board of
dalam bab Profil Perusahaan yang terdapat dalam Laporan Commissioners has been presented in the Company Profile
Profil Tahunan dan Keberlanjutan ini. chapter contained in this Annual and Sustainability Report.
Perusahaan
Christina Suryadinata Periode dan Dasar Hukum Pengangkatan
Analisis dan Anggota Term of Office and Legal Basis of Appointment
Pembahasan Member
Manajemen
Surat Keputusan No. SK.071/2024/PRESDIR tentang
Susunan Anggota Komite Pemantau Risiko PT Bank
Tinjauan Kewarganegaraan | Citizenship
Sinarmas Tbk., yang dikeluarkan pada 1 Oktober 2024.
Pendukung Indonesia
Decree No. SK.071/2024/PRESDIR on the Composition of
Bisnis
Members of the Risk Monitoring Committee of PT Bank
Domisili | Domicile Sinarmas Tbk. issued on October 1, 2024.
TATA KELOLA Jakarta
PERUSAHAAN
Usia | Age
Laporan 47 tahun | years old
Keberlanjutan
Riwayat Pendidikan | Educational Background Sertifikasi Profesi | Professional Certification
Sarjana Ekonomi Universitas Parahyangan, Bandung (1999). • Uji Kompetensi Manajemen Risiko (UKMR) Jenjang 5 atau Level 2 untuk
Bachelor of Economics, Universitas Parahyangan, Bandung (1999). skema lama;
• Refreshment Uji Kompetensi Manajemen Risiko (UKMR) 5 atau Level 2
Riwayat Pekerjaan | Work Experience untuk skema lama; dan
• Head of Network & Consumer Lending Business Finance PT Bank • Sertifikasi Manajemen Sumber Daya Manusia (MSDM) Level Manager.
Permata Tbk (2013-2016); dan • Risk Management Competency Test (UKMR) Level 5 or Level 2 for the
• Head of PFS Strategic Business Planning PT Bank UOB Indonesia old scheme;
(2008-2013). • Refreshment Risk Management Competency Test (UKMR) 5 or Level 2
• Head of Network & Consumer Lending Business Finance PT Bank for the old scheme; and
Permata Tbk (2013-2016); and • Human Resource Management (MSDM) Certification at Manager Level.
• Head of PFS Strategic Business Planning PT Bank UOB Indonesia
(2008-2013). Hubungan Afiliasi | Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris,
Rangkap Jabatan | Concurrent Position Direksi, dan Pemegang Saham Pengendali.
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau Has no affiliation with members of the Board of Commissioners, Board of
lembaga lain. Directors, and Controlling Shareholders.
Does not hold concurrent positions, either at banks, companies, and/or
other institutions.
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Independensi Komite Remunerasi dan Nominasi Independence of the Remuneration and
Nomination Committee
Bank menjamin bahwa seluruh anggota Komite Remunerasi The Bank guarantees that all members of the Remuneration
dan Nominasi bertindak secara independen dan tidak and Nomination Committee act independently and do not
menerima/melakukan intervensi dari/kepada pihak lainnya. accept/conduct intervention from/to other parties. The
Komite Remunerasi dan Nominasi juga tidak memiliki Remuneration and Nomination Committee also does not
kepentingan serta keterkaitan yang bersifat pribadi yang have any personal interests or relationships that could
berpotensi menimbulkan benturan kepentingan (conflict potentially cause a conflict of interest with the Bank. This is
of interest) dengan Bank. Hal tersebut tercermin melalui reflected in the following independence statement.
pernyataan independensi berikut.
Aspek Independensi Tjendrawati Christina
Rusmin
Independence Aspect Widijaja Suryadinata
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
√ √ √
Has no financial relationship with the Board of Commissioners and Board of Directors.
Tidak memiliki hubungan kepemilikan saham di Bank.
Has no share ownership relationship in the Bank.
√ √ √ 315
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, serta perusahaan afiliasi.
√ √ √
Has no management relationship in the Bank, Subsidiaries, and affiliated companies. 2024
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Performance
Komite Audit. Highlights
√ √ √
Has no family relationship with the Board of Commissioners, Board of Directors, and/or
members of the Audit Committee.
Management
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
√ √ √ Report
Has not served as a political party administrator, official, and government.
Company
Tugas dan Tanggung Jawab Komite Remunerasi Duties and Responsibilities of the Remuneration Profile
dan Nominasi and Nomination Committee
Tugas dan tanggung jawab Komite Remunerasi dan Nominasi The duties and responsibilities of the Remuneration and
Management
Bank Sinarmas, yakni: Nomination Committee of Bank Sinarmas, namely: Discussion and
Terkait dengan Fungsi Remunerasi: Related to the Remuneration Function: Analysis
1. Melakukan evaluasi terhadap kebijakan remunerasi 1. Conducting evaluations of remuneration policies based
yang didasarkan atas kinerja, risiko, kewajaran dengan on performance, risk, fairness with peer groups, the Business
peer group, sasaran dan strategi jangka panjang Bank’s long-term targets and strategies, fulfillment of Support
Bank, pemenuhan cadangan sebagaimana diatur reserves as stipulated in laws and regulations and the Overview
dalam peraturan perundang-undangan dan potensi Bank’s potential income in the future;
pendapatan Bank pada masa yang akan datang; CORPORATE
2. Menyampaikan hasil evaluasi dan rekomendasi kepada 2. Submitting evaluation results and recommendations to GOVERNANCE
Dewan Komisaris mengenai: the Board of Commissioners regarding:
a. Kebijakan remunerasi bagi Direksi dan Dewan a. Remuneration policies for the Board of Directors and Sustainability
Komisaris untuk disampaikan kepada RUPS; Board of Commissioners to be submitted to the GMS; Report
b. Kebijakan remunerasi bagi pegawai secara b. Remuneration policies for employees as a whole to
keseluruhan untuk disampaikan kepada Direksi; be submitted to the Board of Directors;
3. Memastikan bahwa kebijakan remunerasi telah sesuai 3. Ensuring that the remuneration policy is in accordance
dengan ketentuan yang berlaku; with applicable provisions;
4. Melakukan evaluasi secara berkala terhadap penerapan 4. Conducting periodic evaluations of the implementation
kebijakan remunerasi; dan of remuneration policies; and
5. Dalam menetapkan kebijakan remunerasi yang bersifat 5. In determining variable remuneration policies, the
variabel, komite remunerasi wajib berkoordinasi dengan remuneration committee must coordinate with the Risk
Risk Management Group. Management Group.
Terkait dengan Fungsi Nominasi: Related to the Nomination Function:
1. Menyusun dan memberikan rekomendasi mengenai 1. Prepare and provide recommendations regarding
sistem serta prosedur pemilihan dan/atau penggantian the system and procedures for the selection and/or
anggota Direksi dan anggota Dewan Komisaris kepada replacement of members of the Board of Directors and
Dewan Komisaris untuk disampaikan kepada RUPS; members of the Board of Commissioners to the Board of
Commissioners to be submitted to the GMS;
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2024 PT. Bank Sinarmas Tbk.
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2. Memberikan rekomendasi mengenai calon anggota 2. Provide recommendations regarding candidates for
Direksi dan/atau calon anggota Dewan Komisaris kepada members of the Board of Directors and/or candidates for
Dewan Komisaris untuk disampaikan kepada RUPS; members of the Board of Commissioners to the Board of
Commissioners to be submitted to the GMS;
3. Memberikan rekomendasi mengenai Pihak Independen 3. Provide recommendations regarding Independent
yang akan menjadi anggota komite audit serta anggota Parties who will become members of the audit committee
komite pemantau risiko kepada Dewan Komisaris; and members of the risk monitoring committee to the
Board of Commissioners;
4. Membantu Dewan Komisaris melakukan penilaian kinerja 4. Assist the Board of Commissioners in assessing the
anggota Direksi dan/atau anggota Dewan Komisaris performance of members of the Board of Directors and/
berdasarkan tolak ukur yang telah disusun sebagai or members of the Board of Commissioners based on
bahan evaluasi; benchmarks that have been prepared as evaluation
materials;
5. Memberikan rekomendasi kepada Dewan Komisaris 5. Provide recommendations to the Board of Commissioners
mengenai program pengembangan kemampuan regarding the program for developing the capabilities of
316 anggota Direksi dan/atau Dewan Komisaris; members of the Board of Directors and/or members of
the Board of Commissioners;
Ikhtisar Kinerja
6. Memberikan rekomendasi kepada Dewan Komisaris 6. Provide recommendations to the Board of Commissioners
2024 mengenai: regarding:
a. Komposisi jabatan anggota Direksi dan/atau anggota a. Composition of positions for members of the
Laporan Dewan Komisaris; Board of Directors and/or members of the Board of
Manajemen Commissioners;
b. Kebijakan dan kriteria yang dibutuhkan dalam proses b. Policies and criteria required in the Nomination
Profil Nominasi; dan process; and
Perusahaan
c. Kebijakan evaluasi kinerja bagi anggota Direksi dan/ c. Performance evaluation policies for members of the
atau anggota Dewan Komisaris. Board of Directors and/or members of the Board of
Analisis dan
Pembahasan Commissioners.
Manajemen
Anggota Komite Remunerasi dan Nominasi yang memiliki Members of the Remuneration and Nomination Committee
Tinjauan benturan kepentingan (conflict of interest) dengan usulan who have a conflict of interest with the recommended proposal
Pendukung
Bisnis
yang direkomendasikan, diwajibkan mengungkapkan hal are required to disclose this in their recommendations.
tersebut dalam rekomendasinya.
TATA KELOLA
PERUSAHAAN Wewenang Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Authority
Wewenang Komite Remunerasi dan Nominasi Bank, antara The authority of the Bank’s Remuneration and Nomination
Laporan lain: Committee, among others:
Keberlanjutan 1. Memperoleh dokumen, data, dan informasi tentang 1. Obtaining the necessary documents, data, and
Perseroan yang diperlukan; information about the Company;
2. Melakukan koordinasi dengan Human Capital Management 2. Coordinating with Human Capital Management or other
atau unit kerja lainnya apabila diperlukan; dan work units if necessary; and
3. Melakukan kewenangan lain yang diberikan Dewan 3. Carrying out other authorities granted by the Board of
Komisaris terkait remunerasi dan nominasi. Commissioners related to remuneration and nomination.
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meeting
Kebijakan Policy
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 In accordance with the Financial Services Authority Regulation
tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum, No. 17 of 2023 on the Implementation of Governance for
Komite Remunerasi dan Nominasi wajib menyelenggarakan Commercial Banks, the Remuneration and Nomination
rapat paling sedikit 1 (satu) kali dalam 3 (tiga) bulan. Committee is required to hold at least one meeting every
three months.
Realisasi Realization
Pada tahun 2024, Komite Remunerasi dan Nominasi telah In 2024, the Remuneration and Nomination Committee held
menyelenggarakan rapat sebanyak 4 (empat) kali, dengan 4 (four) meetings, with the following attendance levels.
tingkat kehadiran sebagai berikut.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 319
Nama Jabatan Jumlah Rapat Jumlah Kehadiran Tingkat Kehadiran (%)
Name Position Number of Meetings Number of Attendance Attendance Rate (%)
Ketua
Rusmin 4 4 100
Chairman
Anggota
Tjendrawati Widijaja 4 4 100
Member
Anggota
Christina Suryadinata 4 4 100
Member
Informasi mengenai pelaksanaan Rapat Komite Remunerasi Information regarding the implementation of the
dan Nominasi, mulai dari tanggal, peserta, dan agenda Remuneration and Nomination Committee Meeting, starting
diungkapkan pada tabel berikut. from the date, participants, and agenda is disclosed in the
following table.
Tanggal Peserta
Agenda
Date Participant
1. Tunjangan Rangkap Jabatan
2. Upah Minimum Provinsi Tahun 2024
317
3. Penyesuaian Gaji Untuk Promosi
4. Blacklist
2024
5. Struktur Organisasi BSIM
Performance
6. Hadiah Akhir Tahun
7. Informasi Pejabat Eksekutif Highlights
- Rusmin
30 Januari 2024 8. Program Kerja Komite Remunerasi dan Nominasi Tahun 2024
- Tjendrawati Widjaja
January 30, 2024 1. Dual Position Allowance
- Christina Suryadinata Management
2. Provincial Minimum Wage in 2024
3. Salary Adjustment for Promotion Report
4. Blacklist
5. BSIM Organizational Structure
6. Year-End Prize Company
7. Executive Officer Information Profile
8. Remuneration and Nomination Committee Work Program in 2024
1. Kalibrasi Penilaian Kerja BSIM 2023
2. Realisasi KPI BOD BSIM 2023 Management
3. Skema Kenaikan Gaji dan Jasa Produksi Discussion and
4. Material Risk Taker BSIM 2024 Analysis
- Rusmin
22 April 2024 5. Pejabat Eksekutif – Movement
- Tjendrawati Widjaja
April 22, 2024 1. BSIM Work Assessment Calibration 2023
- Christina Suryadinata
2. BSIM BOD KPI Realization 2023
Business
3. Salary Increase Scheme and Production Services
4. BSIM Material Risk Taker 2024 Support
5. Executive Officer – Movement Overview
1. Pencapaian Quarterly BSIM Q2 tahun 2024
2. Penilaian Tengah Tahun (PTT) tahun 2024 CORPORATE
3. Outsourcing KPNO
GOVERNANCE
4. MPP Monitoring 2024
5. Promotion Scheme
- Rusmin
23 Juli 2024 6. Pergerakan Pejabat Executive
- Tjendrawati Widjaja Sustainability
July 23, 2024 1. Quarterly BSIM Achievement Q2 2024
- Christina Suryadinata Report
2. Mid-Year Assessment (PTT) 2024
3. KPNO Outsourcing
4. MPP Monitoring 2024
5. Promotion Scheme
6. Executive Officer Movement
1. Pencapaian Quarterly BSIM Q3 tahun 2024
2. Persyaratan Penilaian Kinerja untuk Promosi
3. Tunjangan Daerah Khusus
4. Tunjangan Teller
5. Remunerasi Amandalia Johannes
- Rusmin
22 Oktober 2024 6. Pergerakan Pejabat Eksekutif.
- Tjendrawati Widjaja
October 22, 2024 1. Quarterly BSIM Achievement Q3 2024
- Christina Suryadinata
2. Performance Assessment Requirements for Promotion
3. Special Regional Allowance
4. Teller Allowance
5. Amandalia Johannes Remuneration
6. Executive Officer Movement.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 320
Laporan Pelaksanaan Tugas Komite Remunerasi Report on the Implementation of the Remuneration
dan Nominasi and Nomination Committee’s Duties
Sepanjang tahun 2024, Komite Remunerasi dan Nominasi Throughout 2024, the Remuneration and Nomination
Bank Sinarmas telah melaksanakan tugas dan tanggung Committee of Bank Sinarmas has carried out the following
jawab sebagai berikut. duties and responsibilities.
Terkait dengan Fungsi Remunerasi: Related to the Remuneration Function:
1. Melakukan evaluasi terhadap kebijakan remunerasi 1. Evaluating the remuneration policy based on
yang didasarkan atas kinerja, risiko, kewajaran dengan performance, risk, fairness with peer groups, the Bank’s
peer group, sasaran dan strategi jangka panjang long-term targets and strategies, fulfillment of reserves
Bank, pemenuhan cadangan sebagaimana diatur as stipulated in laws and regulations and the Bank’s
dalam peraturan perundang-undangan dan potensi potential income in the future;
pendapatan Bank pada masa yang akan datang;
2. Menyampaikan hasil evaluasi dan rekomendasi kepada 2. Submitting the results of the evaluation and recommendations
Dewan Komisaris mengenai: to the Board of Commissioners regarding:
318 a. Kebijakan remunerasi bagi Direksi dan Dewan
Komisaris untuk disampaikan kepada RUPS;
a. Remuneration policy for the Board of Directors and
Board of Commissioners to be submitted to the GMS;
Ikhtisar Kinerja
b. Kebijakan remunerasi bagi pegawai secara b. Remuneration policy for employees as a whole to be
2024 keseluruhan untuk disampaikan kepada Direksi; submitted to the Board of Directors;
3. Memastikan bahwa kebijakan remunerasi telah sesuai 3. Ensuring that the remuneration policy is in accordance
Laporan dengan ketentuan yang berlaku; with applicable provisions;
Manajemen 4. Melakukan evaluasi secara berkala terhadap penerapan 4. Conducting periodic evaluations of the implementation of
kebijakan remunerasi; dan the remuneration policy; and
Profil 5. Dalam menetapkan kebijakan remunerasi yang bersifat 5. In determining the variable remuneration policy, the
Perusahaan
variabel, komite remunerasi wajib berkoordinasi dengan remuneration committee is required to coordinate with
Risk Management Group. the Risk Management Group.
Analisis dan
Pembahasan
Manajemen Terkait dengan Fungsi Nominasi: Related to the Nomination Function:
1. Menyusun dan memberikan rekomendasi mengenai 1. Prepare and provide recommendations regarding
Tinjauan sistem serta prosedur pemilihan dan/atau penggantian the system and procedures for the selection and/or
Pendukung
Bisnis
anggota Direksi dan anggota Dewan Komisaris kepada replacement of members of the Board of Directors and
Dewan Komisaris untuk disampaikan kepada RUPS; members of the Board of Commissioners to the Board of
TATA KELOLA Commissioners to be submitted to the GMS;
PERUSAHAAN 2. Memberikan rekomendasi mengenai calon anggota 2. Provide recommendations regarding candidates for
Direksi dan/atau calon anggota Dewan Komisaris kepada members of the Board of Directors and/or candidates for
Laporan Dewan Komisaris untuk disampaikan kepada RUPS; members of the Board of Commissioners to the Board of
Keberlanjutan Commissioners to be submitted to the GMS;
3. Memberikan rekomendasi mengenai Pihak Independen 3. Provide recommendations regarding Independent
yang akan menjadi anggota komite audit serta anggota Parties who will become members of the audit committee
komite pemantau risiko kepada Dewan Komisaris; and members of the risk monitoring committee to the
Board of Commissioners;
4. Membantu Dewan Komisaris melakukan penilaian kinerja 4. Assist the Board of Commissioners in assessing the
anggota Direksi dan/atau anggota Dewan Komisaris performance of members of the Board of Directors and/
berdasarkan tolak ukur yang telah disusun sebagai or members of the Board of Commissioners based on
bahan evaluasi; benchmarks that have been prepared as evaluation
materials;
5. Memberikan rekomendasi kepada Dewan Komisaris 5. Provide recommendations to the Board of Commissioners
mengenai program pengembangan kemampuan regarding the program for developing the capabilities
anggota Direksi dan/atau Dewan Komisaris; of members of the Board of Directors and/or Board of
Commissioners;
6. Memberikan rekomendasi kepada Dewan Komisaris 6. Provide recommendations to the Board of Commissioners
mengenai: regarding:
a. Komposisi jabatan anggota Direksi dan/atau anggota a. Composition of positions for members of the
Dewan Komisaris; Board of Directors and/or members of the Board of
b. Kebijakan dan kriteria yang dibutuhkan dalam proses Commissioners;
Nominasi; dan b. Policies and criteria required in the Nomination
process; and
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 321
c. Kebijakan evaluasi kinerja bagi anggota Direksi dan/ c. Performance evaluation policies for members of the
atau anggota Dewan Komisaris. Board of Directors and/or members of the Board of
Commissioners.
Pengembangan Kompetensi Komite Remunerasi Competency Development of the Remuneration
dan Nominasi and Nomination Committee
Bank Sinarmas memfasilitasi Komite Remunerasi dan Bank Sinarmas supports the Remuneration and Nomination
Nominasi untuk mengikuti berbagai program pengembangan Committee in participating in various competency
kompetensi. Langkah ini dilakukan untuk memastikan development programs. This initiative aims to ensure that
Komite Remunerasi dan Nominasi memiliki kompetensi yang the Committee possesses the necessary skills and expertise
diperlukan untuk menjalankan perannya secara efektif dalam to perform its duties effectively in contributing to the Bank’s
mendukung kesuksesan dan keberlanjutan Bank. success and long-term sustainability.
Informasi pengembangan kompetensi Komite Remunerasi Details regarding the competency development of the
dan Nominasi telah disampaikan pada bagian “Realisasi Remuneration and Nomination Committee are provided in the
Pelatihan” Dewan Komisaris yang terdapat pada Laporan
Tahunan ini.
“Training Realization” section of the Board of Commissioners
in this Annual Report.
319
2024
KOMITE TATA KELOLA TERINTEGRASI INTEGRATED GOVERNANCE COMMITTEE Performance
Komite Tata Kelola Terintegrasi Bank Sinarmas dibentuk The Integrated Governance Committee of Bank Sinarmas Highlights
untuk membantu pelaksanaan tugas dan tanggung was established to support the Board of Commissioners of
jawab Dewan Komisaris Entitas Utama dalam melakukan the Main Entity in carrying out its duties and responsibilities Management
pengawasan atas penerapan tata kelola terintegrasi. Bank in overseeing the implementation of integrated governance. Report
Sinarmas merupakan Entitas Utama dari Konglomerasi Bank Sinarmas serves as the Main Entity of the Sinar Mas
Keuangan Sinar Mas. Financial Conglomerate. Company
Profile
Pedoman Kerja Work Guidelines
Komite Tata Kelola Terintegrasi menjalankan tugas tanggung The Integrated Governance Committee carries out its duties
Management
jawabnya dengan berpedoman pada Pedoman Tata Kelola and responsibilities based on the Integrated Governance Discussion and
Terintegrasi yang disahkah pada 6 Desember 2024. Guidelines, which were ratified on December 6, 2024. Analysis
Struktur dan Susunan Anggota Komite Tata Structure and Composition of Members of the Business
Kelola Terintegrasi Integrated Governance Committee Support
Susunan Keanggotaan Komite Tata Kelola Terintegrasi The Composition of Membership of the Integrated Governance Overview
tertuang dalam Memorandum No. 032/2024/DIRUT-EU Committee is stated in Memorandum No. 032/2024/DIRUT-
tanggal 6 Desember 2024 tentang Susunan Keanggotaan EU dated December 6, 2024 concerning the Composition of CORPORATE
Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Membership of the Integrated Governance Committee of the GOVERNANCE
Sinar Mas. Sinar Mas Financial Conglomerate.
Sustainability
Nama Jabatan
Report
LJK
Name Position
Komisaris Independen PT. Bank Sinarmas Tbk. Ketua merangkap Anggota Komite Tata Kelola Terintegrasi
(Entitas Utama) Konglomerasi Keuangan Sinar Mas
Sammy Kristamuljana
Independent Commissioner of PT. Bank Chairman and Member of the Integrated Governance Committee of
Sinarmas Tbk. (Main Entity) Sinar Mas Financial Conglomerate
Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Komisaris Independen PT Asuransi Sinar Mas
Sinar Mas
Tonny Latidjan Independent Commissioner of PT Asuransi
Member of the Integrated Governance Committee of Sinar Mas
Sinar Mas
Financial Conglomerate
Komisaris Independen PT Asuransi Simas Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
J. Chandra Setiawan Insurtech Sinar Mas
Puspito Independent Commissioner of PT Asuransi Member of the Integrated Governance Committee of Sinar Mas
Simas Insurtech Financial Conglomerate
Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Komisaris Independen PT Asuransi Simas Jiwa
Sinar Mas
Aditiawan Chandra Independent Commissioner of PT Asuransi
Member of the Integrated Governance Committee of Sinar Mas
Simas Jiwa
Financial Conglomerate
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 322
Nama Jabatan
LJK
Name Position
Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Komisaris Independen PT Asuransi Summit Otto
Sinar Mas
Rohana Sumihar Independent Commissioner of PT Asuransi
Member of the Integrated Governance Committee of Sinar Mas
Summit Otto
Financial Conglomerate
Komisaris Independen PT Reasuransi Nusantara Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Mohammad Shaifie Makmur Sinar Mas
Zein Independent Commissioner of PT Reasuransi Member of the Integrated Governance Committee of Sinar Mas
Nusantara Makmur Financial Conglomerate
Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Komisaris Independen PT Sinar Mas Sekuritas
Sinar Mas
Sungkana Independent Commissioner of PT Sinar Mas
Member of the Integrated Governance Committee of Sinar Mas
Sekuritas
Financial Conglomerate
Komisaris Independen PT Sinarmas Asset Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Management Sinar Mas
Irawan Chandra
Independent Commissioner of PT Sinarmas Member of the Integrated Governance Committee of Sinar Mas
Asset Management Financial Conglomerate
Komisaris Independen PT Sinar Mas Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
320 Mulabasa Hutabarat
Multifinance
Independent Commissioner of PT Sinar Mas
Sinar Mas
Member of the Integrated Governance Committee of Sinar Mas
Multifinance Financial Conglomerate
Ikhtisar Kinerja
Komisaris Independen PT AB Sinar Mas Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
2024
Multifinance Sinar Mas
Herry Hermana
Independent Commissioner of PT AB Sinar Mas Member of the Integrated Governance Committee of Sinar Mas
Laporan Multifinance Financial Conglomerate
Manajemen Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Komisaris Independen PT Bank Nano Syariah
Horas Parsaulian Sinar Mas
Independent Commissioner of PT Bank Nano
Pardede Member of the Integrated Governance Committee of Sinar Mas
Profil Syariah
Financial Conglomerate
Perusahaan
Dewan Pengawas Syariah PT Bank Nano Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Syariah Sinar Mas
Analisis dan Ahmadi Sukarno. LC.M.A
Sharia Supervisory Board of PT Bank Nano Member of the Integrated Governance Committee of Sinar Mas
Pembahasan Syariah Financial Conglomerate
Manajemen
Dewan Pengawas Syariah PT Bank Nano Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Mochammad Bukhori Syariah Sinar Mas
Tinjauan Muslim Sharia Supervisory Board of PT Bank Nano Member of the Integrated Governance Committee of Sinar Mas
Pendukung Syariah Financial Conglomerate
Bisnis Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Dewan Pengawas UUS PT Asuransi Sinar Mas
Muhammad Faisal Sinar Mas
Supervisory Board of UUS PT Asuransi Sinar
TATA KELOLA Muchtar Member of the Integrated Governance Committee of Sinar Mas
Mas
PERUSAHAAN Financial Conglomerate
Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Dewan Pengawas UUS PT Asuransi Simas Jiwa
H. Ahmad Nuryadi Sinar Mas
Laporan Supervisory Board of UUS PT Asuransi Simas
Asmawi Member of the Integrated Governance Committee of Sinar Mas
Keberlanjutan Jiwa
Financial Conglomerate
Dewan Pengawas UUS PT Sinar Mas
Multifinance dan PT Reasuransi Nusantara Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Makmur Sinar Mas
Luqyan Tamanni
Supervisory Board of UUS PT Sinar Mas Member of the Integrated Governance Committee of Sinar Mas
Multifinance and PT Reasuransi Nusantara Financial Conglomerate
Makmur
Dewan Pengawas UUS PT Reasuransi Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Nusantara Makmur Sinar Mas
Muhammad Fahri Farid
Supervisory Board of UUS PT Reasuransi Member of the Integrated Governance Committee of Sinar Mas
Nusantara Makmur Financial Conglomerate
Anggota Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Pihak Independen PT Bank Sinarmas Sinar Mas
Reynold M Batubara
Independent Party PT Bank Sinarmas Member of the Integrated Governance Committee of Sinar Mas
Financial Conglomerate
Profil Anggota Komite Tata Kelola Terintegrasi Profile of Integrated Governance Committee
Members
Profil anggota Komite Tata Kelola Terintegrasi, terdiri dari: Profile of Integrated Governance Committee members,
consisting of:
1. Komisaris Independen yang ditunjuk sebagai Ketua 1. Independent Commissioner appointed as Chairman and
sekaligus anggota Komite dari Bank Sinarmas selaku member of the Committee from Bank Sinarmas as the
Entitas Utama; Main Entity;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 323
2. Komisaris Independen dari Lembaga Jasa Keuangan 2. Independent Commissioner from Financial Services
(LJK) Konglomerasi Keuangan sebagai anggota Komite; Institution (LJK) Financial Conglomerate as a member of
3. Pihak Independen Bank Sinarmas sebagai anggota the Committee;
Komite; dan 3. Independent Party of Bank Sinarmas as a member of the
4. Dewan Pengawas Syariah bagi LJK yang menjalankan Committee; and
prinsip usaha secara syariah sebagai anggota komite. 4. Sharia Supervisory Board for LJK that implements sharia
business principles as a member of the committee.
PT. Bank Sinarmas Tbk.
Sammy Kristamuljana
Komisaris Independen
Independent Commissioner
Dasar Hukum Pengangkatan Surat Gubernur Bank Indonesia No.14/61/GBI/DPIP/ Rahasia tanggal 3 Juli 2012 perihal
Jabatan Keputusan atas Pencalonan Komisaris Independen PT. Bank Sinarmas Tbk.
Legal Basis for Appointment Letter of the Governor of Bank Indonesia No.14/61/GBI/DPIP/Secret dated July 3, 2012
to Position regarding the Decision on the Nomination of Independent Commissioner of PT. Bank
Sinarmas Tbk.
321
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
2024
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas. Performance
Legal Basis for Appointment Memo M.020/2023/DIRUT-EU dated November 30, 2023 regarding the Composition Highlights
to Committee Members of Membership of the Integrated Governance Committee of the Sinar Mas Financial
Conglomerate.
Management
Profil lebih rinci dapat dilihat pada Profil Dewan Komisaris bab Profil Perusahaan dalam Laporan Tahunan dan Keberlanjutan ini.
A more detailed profile can be seen in the Board of Commissioners Profile in the Company Profile chapter in this Annual and Sustainability Report.
Report
PT Bank Nano Syariah Company
Profile
Horas Parsaulian Pardede
Komisaris Independen
Independent Commissioner Management
Kewarganegaraan Indonesia Discussion and
Analysis
Citizenship
Domisili Depok
Domicile Business
Support
Usia 59 tahun | years old Overview
Age
Dasar Hukum Pengangkatan Akta Pernyataan Pemegang Saham No.1 Tanggal 2 Januari 2024 CORPORATE
Jabatan Shareholders› Statement Deed No. 1 Dated January 2, 2024 GOVERNANCE
Legal Basis for Appointment
to Position
Sustainability
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan Report
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of the Integrated Governance Committee of the Sinar Mas Financial
Conglomerate.
Riwayat Pendidikan S1 Manajemen Keuangan - Fakultas Ekonomi UI Ekstension (1996)
Education History S1 Financial Management - Faculty of Economics UI Extension (1996)
Riwayat Pekerjaan • Komisaris Independen Bank Nano Syariah (2024 - Sekarang)
Employment History • PT Armadian Tri Tunggal – Komisaris (2021-Sekarang)
• PT Berau Coral Energy Tbk. - GM CSR dan Ketua Yayasan Dharma Bhakti (2016 –
Sekarang)
• Independent Commissioner of Bank Nano Syariah (2024 - Present)
• PT Armadian Tri Tunggal - Commissioner (2021-Present)
• PT Berau Coral Energy Tbk. - GM CSR and Chairman of the Dharma Bhakti Foundation
(2016 - Present)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 324
Ahmadi Sukarno. LC.M.A
Dewan Pengawas Syariah
Sharia Supervisory Board
Kewarganegaraan Indonesia
Citizenship
Domisili Bogor
Domicile
Usia 57 tahun | years old
Age
Dasar Hukum Pengangkatan Akta Pernyataan Pemegang Saham No.1 Tanggal 2 Januari 2024
Jabatan Shareholders› Statement Deed No. 1 Dated January 2, 2024
Legal Basis for Appointment
to Position
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
322 of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Ikhtisar Kinerja Riwayat Pendidikan • Doktor Pendidikan Islam, Universitas Ibn Khaldun (UIKA), Bogor (2015);
2024 Education History • Magister Ekonomi Islam, Universitas Islam Negeri (UIN) Jakarta (2004);
• Magister Agama Islam, Universitas Ibn Khaldun (UIKA), Bogor (2002); dan
Laporan • Sarjana Syariah, Fakultas Syariah Ma’had Al-Ulum Al-Islamiyah Wa Arabiyah,
Manajemen • Universitas Islam Imam Muhammad bin Saud (1994)
• Doctor of Islamic Education, Universitas Ibn Khaldun (UIKA), Bogor (2015);
Profil • Master of Islamic Economics, Universitas Islam Negeri (UIN) Jakarta (2004);
Perusahaan • Master of Islamic Religion, Universitas Ibn Khaldun (UIKA), Bogor (2002); and
• Bachelor of Sharia, Faculty of Sharia, Ma’had Al-Ulum Al-Islamiyah Wa Arabiyah,
Analisis dan • Imam Muhammad bin Saud Islamic University (1994)
Pembahasan Riwayat Pekerjaan • DPS Bank Nano Syariah (2024 – Sekarang)
Manajemen
Employment History • STIT Fatahillah Bogor – Dosen (2019 - Sekarang)
• DPS Bank Nano Syariah (2024 - Present)
Tinjauan • STIT Fatahillah Bogor - Lecturer (2019 - Present)
Pendukung
Bisnis Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Directors, and Controlling
TATA KELOLA
PERUSAHAAN
Shareholders.
Laporan
Mochammad Bukhori Muslim
Keberlanjutan
Dewan Pengawas Syariah
Sharia Supervisory Board
Kewarganegaraan Indonesia
Citizenship
Domisili Jakarta
Domicile
Usia 49 tahun | years old
Age
Dasar Hukum Pengangkatan Akta Pernyataan Pemegang Saham No.1 Tanggal 2 Januari 2024
Jabatan Shareholder Statement Deed No. 1 Dated January 2, 2024
Legal Basis for Appointment
to Position
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 325
Riwayat Pendidikan • Doktor Ekonomi Islam Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta (2016);
Education History • Magister Ekonomi Islam Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta (2005);
• Sarjana Syariah Lembaga Pendidikan Indonesia-Amerika Jakarta (2006); dan
• Sarjana Bidang Muamalat Sekolah Tinggi Agama Islam Azziyadah Jakarta (2001)
• Doctor of Islamic Economics, Universitas Islam Negeri Syarif Hidayatullah Jakarta (2016);
• Master of Islamic Economics, Universitas Islam Negeri Syarif Hidayatullah Jakarta (2005);
• Bachelor of Sharia, Indonesian-American Educational Institution, Jakarta (2006); and
• Bachelor of Muamalat, Sekolah Tinggi Agama Islam Azziyadah, Jakarta (2001)
Riwayat Pekerjaan • DPS Bank Nano Syariah (2024 - Sekarang)
Employment History • DSN-MUI Ketua Bidang Ekonomi dan Bisnis Syariah (2020 - Sekarang)
• DPS Bank Nano Syariah (2024 - Present)
• DSN-MUI Head of Sharia Economics and Business (2020 - Present)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
323
PT Asuransi Sinar Mas
Tonny Latidjan 2024
Komisaris Independen Performance
Independent Commissioner Highlights
Kewarganegaraan Indonesia
Citizenship Management
Report
Domisili Depok
Domicile
Usia 63 tahun | years old Company
Profile
Age
Dasar Hukum Pengangkatan Akta Pernyataan No. 55 tanggal 7 Agustus 2020 perihal Pernyataan Keputusan RUPS Luar
Jabatan Biasa - PT Asuransi Sinar Mas. Management
Legal Basis for Appointment Deed of Statement No. 55 dated August 7, 2020 concerning the Statement of Resolutions Discussion and
Analysis
to Position of the Extraordinary GMS - PT Asuransi Sinar Mas.
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas. Business
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the Support
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas Overview
Financial Conglomerate.
Riwayat Pendidikan • Master of Business Administration, Newport University, United States of America (1988) CORPORATE
Education History • Sarjana bidang Manajemen, Universitas Kristen Krida Wacana (sebelumnya Universitas GOVERNANCE
Kristen Djaya) (1981)
• Master of Business Administration, Newport University, United States of America (1988)
Sustainability
• Bachelor of Management, Universitas Kristen Krida Wacana (formerly Universitas Kristen
Report
Djaya) (1981)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 326
Riwayat Pekerjaan • Anggota Komite Kebijakan Tata Kelola Perusahaan, PT Asuransi Sinar Mas (2022 - Sekarang)
Employment History • Komisaris Independen PT Asuransi Sinar Mas (Agustus 2020 - Sekarang)
• Direktur, PT Toko Onderdil Karya Utama, PT Jakarta Teknologi Utama, dan PT Premium
Garansi Indonesia (2018- 2018)
• Kepala Divisi Motor Business Unit (MBU) & Personal Line Division (PLD), PT Asuransi Sinar
Mas (2016 – 2018)
• Kepala Divisi Motor Business Unit (MBU), PT Asuransi Sinar Mas (2007 – 2016)
• Kepala Divisi Motor Business Unit (MBU), Pimpinan Wilayah 5 & PJS Pimpinan Wilayah 4, PT
Asuransi Sinar Mas (2006 – 2007)
• Kepala Divisi Motor Business Unit (MBU) Pimpinan Wilayah 5, PT Asuransi Sinar Mas (2005 –
2006)
• Kepala Divisi Motor Business Unit (MBU) &Pimpinan Wilayah 3, PT Asuransi Sinar Mas (2004
– 2005)
• Kepala Divisi Motor Business Unit (MBU), PT Asuransi Sinar Mas (2003 – 2004)
• Pjs. Kepala Bagian Klaim Motor Business Unit (MBU), PT Asuransi Sinar Mas (April 2003 – Juli
2003)
• Branch Coordinator Claim MBU, PT Asuransi Sinar Mas (2001 – 2003)
• Project Officer, PT Asuransi Jiwa Sinar Mas MSIG (dh. PT Asuransi Jiwa Eka Life) (1999 – 2001)
324 • Financial Consultant, PT Asuransi Jiwa Sinar Mas MSIG (dh. PT Asuransi Jiwa Eka Life)
(Oktober 1998 – Desember 1998)
• Marketing Manager, PT Sanjaya Sakti (SANYO) (1996 – 1998)
Ikhtisar Kinerja
• Purchasing Division Manager, PT Kenari Djaja Prima (1992 – 1996)
2024
• Marketing Manager, PT Centra Nusa Insan Cemerlang (dh. PT Nusantara Sun Chlorela Tama)
(1991 – 1992)
Laporan • Tenaga Pengajar, Universitas Kristen Krida Wacana (dh. Universitas Kristen Djaya) (1988 –
Manajemen 1996)
• Marketing Manager, PT Sinar Mega Sakti (1986 – 1989)
Profil • Staff Marketing, PT Sinar Mega Sakti (1984 – 1986)
Perusahaan • Member of the Corporate Governance Policy Committee, PT Asuransi Sinar Mas (2022 -
Present)
Analisis dan • Independent Commissioner of PT Asuransi Sinar Mas (August 2020 - Present)
Pembahasan • Director, PT Toko Onderdil Karya Utama, PT Jakarta Teknologi Utama, and PT Premium
Manajemen Garansi Indonesia (2018-2018)
• Head of Motor Business Unit (MBU) & Personal Line Division (PLD), PT Asuransi Sinar Mas
Tinjauan (2016 - 2018)
Pendukung • Head of Motor Business Unit (MBU) Division, PT Asuransi Sinar Mas (2007 - 2016)
Bisnis • Head of Motor Business Unit (MBU) Division, Regional Head 5 & PJS Regional Head 4, PT
Asuransi Sinar Mas (2006 - 2007)
TATA KELOLA • Head of Motor Business Unit (MBU) Division, Regional Leadership 5, PT Asuransi Sinar Mas
PERUSAHAAN (2005 – 2006)
• Head of Motor Business Unit (MBU) Division & Regional Leadership 3, PT Asuransi Sinar Mas
Laporan (2004 – 2005)
Keberlanjutan • Head of Motor Business Unit (MBU) Division, PT Asuransi Sinar Mas (2003 – 2004)
• Acting. Head of Claims Division of Motor Business Unit (MBU), PT Asuransi Sinar Mas (April
2003 – July 2003)
• Branch Coordinator Claim MBU, PT Asuransi Sinar Mas (2001 – 2003)
• Project Officer, PT Asuransi Jiwa Sinar Mas MSIG (formerly PT Asuransi Jiwa Eka Life) (1999 –
2001)
• Financial Consultant, PT Asuransi Jiwa Sinar Mas MSIG (formerly PT Asuransi Jiwa Eka Life)
(October 1998 – December 1998)
• Marketing Manager, PT Sanjaya Sakti (SANYO) (1996 – 1998)
• Purchasing Division Manager, PT Kenari Djaja Prima (1992 – 1996)
• Marketing Manager, PT Centra Nusa Insan Cemerlang (formerly PT Nusantara Sun Chlorela
Tama) (1991 – 1992)
• Lecturer, University Kristen Krida Wacana (graduate of Djaya Christian University) (1988 –
1996)
• Marketing Manager, PT Sinar Mega Sakti (1986 – 1989)
• Marketing Staff, PT Sinar Mega Sakti (1984 – 1986)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 327
Muhammad Faisal Muchtar
Dewan Pengawas UUS
UUS Supervisory Board
Kewarganegaraan Indonesia
Citizenship
Domisili Jakarta
Domicile
Usia 52 tahun | years old
Age
Dasar Hukum Pengangkatan KEP-4/NB.21/2021 tanggal 24 Februari 2021- DPS UUS Asuransi Sinar Mas.
Jabatan KEP-4/NB.21/2021 dated 24 February 2021- DPS UUS Asuransi Sinar Mas.
Legal Basis for Appointment
to Position
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated 6 December 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas 325
Financial Conglomerate.
Riwayat Pendidikan • Doktor Hukum Ekonomi Islam, Universitas Islam Indonesia (2020 – Sekarang) 2024
Education History • Master / Pasca Sarjana di bidang Islamic Economy, Universitas Islam Indonesia (2003 – Performance
2005) Highlights
• Program Magister Ushul Fiqh, Universitas Al – Azhar Kairo, Mesir (1998 – 2000)
• Sarjana Syariah Universitas Al –Azhar Kairo, Mesir (1994 – 1998)
Management
• Doctor of Islamic Economic Law, Universitas Islam Indonesia (2020 – Present) Report
• Master / Postgraduate in Islamic Economy, Universitas Islam Indonesia (2003 – 2005)
• Master Program in Usul Fiqh, Al – Azhar University Cairo, Egypt (1998 – 2000)
• Bachelor of Sharia, Al – Azhar University Cairo, Egypt (1994 – 1998) Company
Profile
Riwayat Pekerjaan • Ketua Badan Penasihat Syariah Sinar Mas Syariah (2020-sekarang)
Employment History • Ketua Dewan Penasihat Syariah PT Reliance Finance, Jakarta (2018-sekarang)
• Ketua Badan Penasihat Syariah PT Al Ijarah Indonesia Finance (ALIF) (2015-sekarang) Management
• PT Bank BTPN Syariah Tbk (2014-2019) Discussion and
- Anggota Komite Manajemen Risiko Analysis
- Anggota Komite Audit
• Senior Manager, Corporate legal & Corporate communication Head PT Al Ijarah
Indonesia Finance (2014-2015) Business
• Malaysia Assignment: Assistant General Manager - Shariah Head Syarikat Takaful Support
Overview
Malaysia Berhad (STMB) Kuala Lumpur (2011-2013)
• Senior Manager (Department Head, Sharia Audit) (2010)
• Head Quarter (HQ) PT Bank Muamalat Indonesia Tbk (2009-2010) CORPORATE
• Senior Manager & Sharia Compliance Head of PT Bank Syariah Mega Indonesia (BSMI) GOVERNANCE
(2009)
• Medan Regional Branch & Head Quarter PT Bank Muamalat Indonesia Tbk (2003-2007)
• Chairman of the Sharia Advisory Board of Sinar Mas Syariah (2020-present) Sustainability
• Chairman of the Sharia Advisory Board of PT Reliance Finance, Jakarta (2018-present) Report
• Chairman of the Sharia Advisory Board of PT Al Ijarah Indonesia Finance (ALIF)
(2015-present)
• PT Bank BTPN Syariah Tbk (2014-2019)
- Member of the Risk Management Committee
- Member of the Audit Committee
• Senior Manager, Corporate legal & Corporate communication Head PT Al Ijarah Indonesia
Finance (2014-2015)
• Malaysia Assignment: Assistant General Manager - Shariah Head Syarikat Takaful
Malaysia Berhad (STMB) Kuala Lumpur (2011-2013)
• Senior Manager (Department Head, Sharia Audit) (2010)
• Head Quarter (HQ) PT Bank Muamalat Indonesia Tbk (2009-2010)
• Senior Manager & Sharia Compliance Head of PT Bank Syariah Mega Indonesia (BSMI)
(2009)
• Medan Regional Branch & Head Quarter PT Bank Muamalat Indonesia Tbk (2003-2007)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 328
PT Asuransi Simas Jiwa
Aditiawan Chandra
Komisaris Independen
Independent Commissioner
Kewarganegaraan Indonesia
Citizenship
Domisili Jakarta
Domicile
Usia 75 tahun | years old
Age
Dasar Hukum Pengangkatan Akta Pernyataan Keputusan Sirkular No. 11 tanggal 02 Maret 2020 - PT Asuransi Simas Jiwa.
Jabatan Circular Decision Statement Deed No. 11 dated March 2, 2020 - PT Asuransi Simas Jiwa.
Legal Basis for Appointment
to Position
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
326 Anggota Komite
Legal Basis for Appointment
Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Ikhtisar Kinerja Financial Conglomerate.
2024
Riwayat Pendidikan • Philosophy Doctor bidang Perencanaan Ekonomi Daerah, Department City and Regional
Education History Planning, University of North Carolina-Chapel Hill (1985)
Laporan
• Master of Science bidang Perencanaan dan Keuangan, Department Urban and Regional
Manajemen
Planning, University of Wisconsin-Madison (1980)
• Sarjana Ekonomi bidang Pemasaran, Fakultas Ekonomi, Universitas Indonesia (1977)
Profil • Philosophy Doctor in Regional Economic Planning, Department City and Regional
Perusahaan Planning, University of North Carolina-Chapel Hill (1985)
• Master of Science in Planning and Finance, Department Urban and Regional Planning,
Analisis dan University of Wisconsin-Madison (1980)
Pembahasan • Bachelor of Economics in Marketing, Faculty of Economics, Universitas Indonesia (1977)
Manajemen
Riwayat Pekerjaan • Komisaris Independen PT Asuransi Simas Jiwa (2006-sekarang)
Employment History • Dekan, Fakultas Ekonomi Universitas Indonesia (2001-2005)
Tinjauan
Pendukung
• Presiden Komisaris, PT Bank Permata Tbk (2002-2004)
Bisnis • Advisory Committee Penjualan Bank Niaga Tbk. (2002-2003)
• Komisaris, PT Bank Internasional Indonesia (BII) Tbk (1999-2001)
• Direktur Program Magister MMUI (1997-2000)
TATA KELOLA
• Asisten Menteri Negara Investasi Bidang Iklim Usaha/BKPM (1994-1997)
PERUSAHAAN
• President Director, Lembaga Manajemen (1992-1997)
• Komisaris Independen, PT Semen Padang Tbk. ( 1990-1995)
Laporan • Managing Director, Association Of Management Institute and The Flagler Management
Keberlanjutan
(1989-1992)
• Independent Commissioner of PT Asuransi Simas Jiwa (2006-present)
• Dean, Faculty of Economics, Universitas Indonesia (2001-2005)
• President Commissioner, PT Bank Permata Tbk (2002-2004)
• Advisory Committee for Sales of Bank Niaga Tbk. (2002-2003)
• Commissioner, PT Bank Internasional Indonesia (BII) Tbk (1999-2001)
• Director of MMUI Masters Program (1997-2000)
• Assistant Minister of State for Investment in Business Climate/BKPM (1994-1997)
• President Director, Management Institute (1992-1997)
• Independent Commissioner, PT Semen Padang Tbk. (1990-1995)
• Managing Director, Association Of Management Institute and The Flagler Management
(1989-1992)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 329
H. Ahmad Nuryadi Asmawi
Dewan Pengawas UUS
UUS Supervisory Board
Kewarganegaraan Indonesia
Citizenship
Domisili Jakarta
Domicile
Usia 61 tahun | years old
Age
Dasar Hukum Pengangkatan Pengangkatan anggota DPS melalui mekanisme dan persetujuan RUPS seperti dinyatakan
Jabatan dalam Akta No. 446 tanggal 12 Mei 2023.
Legal Basis for Appointment Pengangkatan anggota DPS telah mendapat rekomendasi dan penetapan dari DSN
to Position MUI melalui Surat DSN MUI No.U-583/DSN-MUI /XI/2016 perihal Rekomendasi Dewan
Pengawas Syariah
The appointment of DPS members through the mechanism and approval of the GMS as
stated in Deed No. 446 dated May 12, 2023.
The appointment of DPS members has received recommendations and determination
from the DSN MUI through DSN MUI Letter No. U-583 / DSN-MUI / XI / 2016 regarding
327
Recommendations of the Sharia Supervisory Board
2024
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan Performance
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas. Highlights
Legal Basis for Appointment Memorandum No. 032/2024 / DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate Management
Report
Riwayat Pendidikan • S2 Faculty of Islamic Revealed Knowledge and Heritage, International Islamic University
Education History Kuala Lumpur (1995)
• S1 Faculty Sharia and Law, International Islamic University, Islamabad, Pakistan (1991) Company
Profile
Riwayat Pekerjaan • Dewan Pengawas UUS PT Asuransi Simas Jiwa (2015-Sekarang)
Employment History • Sharia Compliance Officer at Compliance Division Bank Muamalat Indonesia (Tahun
2006-2017) Management
• Training Officer at Muamalat Institute (Tahun 1999-2006) Discussion and
• Dosen Studi Islam Fikih Muamalah, Universitas Juanda, Ciawi Bogor (Tahun 1998 (satu Analysis
tahun))
• Dosen Studi Islam Universitas Islam Attahiriyah Jakarta (Tahun 1997 (Satu tahun))
• Imam and Religious Worker at Islamic Center, Christmas Island, Western Australia (Tahun Business
1995-1996) Support
Overview
• Supervisory Board of UUS PT Asuransi Simas Jiwa (2015-Present)
• Sharia Compliance Officer at Compliance Division Bank Muamalat Indonesia (Year 2006-
2017) CORPORATE
• Training Officer at Muamalat Institute (Year 1999-2006) GOVERNANCE
• Lecturer of Islamic Studies Fikih Muamalah, Juanda University, Ciawi Bogor (Year 1998
(one year))
• Lecturer of Islamic Studies at Attahiriyah Islamic University Jakarta (Year 1997 (One year)) Sustainability
• Imam and Religious Worker at Islamic Center, Christmas Island, Western Australia (Year Report
1995-1996)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 330
PT Reasuransi Nusantara Makmur
Mohammad Shaifie Zein
Komisaris Independen
Independent Commissioner
Kewarganegaraan Indonesia
Citizenship
Domisili Bekasi
Domicile
Usia 55 tahun | years old
Age
Dasar Hukum Pengangkatan KEP-486/PD.02/2024 Perihal Hasil Penilaian Kemampuan dan Kepatutan Sdr. Mohammad
Jabatan Shaifie Zein Selaku Calon Komisaris Independen PT Reasuransi Nusantara Makmur Tanggal
Legal Basis for Appointment 30 Agustus 2024
to Position KEP-486/PD.02/2024 Regarding the Results of the Fit and Proper Assessment of Mr.
Mohammad Shaifie Zein as a Candidate for Independent Commissioner of PT Reasuransi
Nusantara Makmur Dated August 30, 2024
328 Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Ikhtisar Kinerja Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
2024 of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Laporan
Riwayat Pendidikan Post Graduate Diploma – Glasgow Caledonian University (1997 – 1999)
Manajemen
Education History
Profil Riwayat Pekerjaan • Komisaris Independen PT Reasuransi Nusantara Makmur (2024 - Sekarang)
Perusahaan Employment History • Direktur Utama PT Asuransi FPG Indonesia (2022 – 2024)
• Independent Commissioner of PT Reasuransi Nusantara Makmur (2024 - Present)
• President Director of PT Asuransi FPG Indonesia (2022 – 2024)
Analisis dan
Pembahasan Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Manajemen Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Tinjauan Controlling Shareholders.
Pendukung
Bisnis
Muhammad Fahri Farid
TATA KELOLA Dewan Pengawas UUS
PERUSAHAAN UUS Supervisory Board
Kewarganegaraan Indonesia
Laporan Citizenship
Keberlanjutan
Domisili Bekasi
Domicile
Usia 56 tahun | years old
Age
Dasar Hukum Pengangkatan KEP-77/NB.22/2019 Perihal Hasil Penilaian Kemampuan dan Kepatutan Sdr. Muhammad
Jabatan Fahri Farid Selaku Calon Dewan Pengawas Syariah PT Reasuransi Nusantara Makmur
Legal Basis for Appointment Tanggal 23 Desember 2019
to Position KEP-77/NB.22/2019 Regarding the Results of the Fit and Proper Assessment of Mr.
Muhammad Fahri Farid as a Candidate for the Sharia Supervisory Board of PT Reasuransi
Nusantara Makmur Dated December 23, 2019
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Riwayat Pendidikan • S3 Manajemen – Universitas Negeri Jakarta (2022)
Education History • S2 Magister Manajemen - Universitas Esa Unggul (2007)
• S1 Agribisnis - Universitas Padjadjaran (1993)
• Doctoral Degree in Management - Universitas Negeri Jakarta (2022)
• Master of Management – Universitas Esa Unggul (2007)
• Bachelor’s Degree in Agribusiness – Universitas Padjadjaran (1993)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 331
Riwayat Pekerjaan • Dewan Pengawas UUS PT Reasuransi Nusantara Makmur (2020 - Sekarang)
Employment History • Direktur Sub Business Unit PT Asuransi Takaful Keluarga (2012 – 2014)
• Supervisory Board of UUS PT Reasuransi Nusantara Makmur (2020 - Present)
• Director of Sub Business Unit PT Asuransi Takaful Keluarga (2012 - 2014)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
PT Asuransi Simas Insurtech
J. Chandra Setiawan Puspito
Komisaris Independen
Independent Commissioner
Kewarganegaraan Indonesia
Citizenship
Domisili Bandung, Jawa Barat 329
Domicile
Usia 70 tahun | years old 2024
Age Performance
Highlights
Dasar Hukum Pengangkatan Akta Notaris Nomor 545 tanggal 7 November 2022
Jabatan Notarial Deed Number 545 dated November 7, 2022
Legal Basis for Appointment Management
to Position Report
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas. Company
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the Profile
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Management
Riwayat Pendidikan • STM Strada, Jakarta (1971-1974) Discussion and
Education History Analysis
Riwayat Pekerjaan • Komisaris Independen PT Asuransi Simas Insurtech (2017-Sekarang)
Employment History • Pimpinan Wilayah dan Kepala Divisi Marketing di PT Asuransi Sinar Mas (1990-2010) Business
• Deputy Manager di PT Asuransi Wahana Tata (1983-1990) Support
• Kepala Bagian Logistik di PT Cahaya Lestari Indonesia (1980-1982) Overview
• Supervisor di PT Star Motors (1976-1979)
• Independent Commissioner of PT Asuransi Simas Insurtech (2017-Present)
• Regional Leader and Head of Marketing Division at PT Asuransi Sinar Mas (1990-2010) CORPORATE
• Deputy Manager at PT Asuransi Wahana Tata (1983-1990) GOVERNANCE
• Head of Logistics at PT Cahaya Lestari Indonesia (1980-1982)
• Supervisor at PT Star Motors (1976-1979) Sustainability
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Report
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
PT Asuransi Sumit Oto
Rohana Sumihar
Komisaris Independen
Independent Commissioner
Kewarganegaraan Indonesia
Citizenship
Domisili Jakarta
Domicile
Usia 70 tahun | years old
Age
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 332
Dasar Hukum Pengangkatan Akta No.1 tanggal 2 Maret 2011 (awal)
Jabatan Akta No. 110 tanggal 4 April 2023 (terbaru)
Legal Basis for Appointment Deed No. 1 dated March 2, 2011 (initial)
to Position Deed No. 110 dated April 4, 2023 (latest)
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Riwayat Pendidikan • S2 Magister Management, (Konsentrasi Keuangan) Universitas IPWIJA, Jakarta (2000)
Education History • Diploma in Financial Management, Connecticut of University, USA (1985)
• Sarjana Ekonomi, Universitas Kristen Indonesia, Jakarta (1980)
• Master of Management, (Finance Concentration) Universitas IPWIJA, Jakarta (2000)
• Diploma in Financial Management, Connecticut of University, USA (1985)
• Bachelor of Economics, Universitas Kristen Indonesia, Jakarta (1980)
Riwayat Pekerjaan • Komisaris Independen PTAsuransi Sumit Oto (2011 - Sekarang)
Employment History • Pegawai Negeri Sipil di Departemen Keuangan Kasubag Multilateral, Sekretariat Badan
330 Pengawas Pasar Modal dan Lembaga Keuangan (2008-2010)
• Independent Commissioner of PT Asuransi Sumit Oto (2011 - Present)
Ikhtisar Kinerja • Civil Servant at the Ministry of Finance, Head of Multilateral Sub-Division, Secretariat of
2024 the Capital Market and Financial Institutions Supervisory Agency (2008-2010)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Laporan Affiliation Saham Pengendali.
Manajemen Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Profil
Perusahaan
PT Sinarmas Sekuritas
Analisis dan Sungkana
Pembahasan Komisaris Independen
Manajemen
Independent Commissioner
Kewarganegaraan Indonesia
Tinjauan
Pendukung Citizenship
Bisnis Domisili Depok
Domicile
TATA KELOLA
Usia 64 tahun | years old
PERUSAHAAN
Age
Laporan Dasar Hukum Pengangkatan Akta Pernyataan Keputusan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) PT
Keberlanjutan Jabatan Sinarmas Sekuritas No. 1338 Tanggal 30 September 2021 yang dibuat di hadapan
Legal Basis for Appointment Syofilawati, S.H. Notaris Kota Bekasi.
to Position Deed of Statement of Resolutions of the Extraordinary General Meeting of Shareholders
(EGMS) of PT Sinarmas Sekuritas No. 1338 Dated September 30, 2021 made before
Syofilawati, S.H. Notary of Bekasi City.
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Riwayat Pendidikan • Washington College Of Law The American University – International Business Law –
Education History Strata 2 (1996)
• Universitas Indonesia – Fakultas Hukum – Strata 1 (1990)
• Washington College Of Law The American University – International Business Law –
Strata 2 (1996)
• Universitas Indonesia – Faculty of Law – Strata 1 (1990)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 333
Riwayat Pekerjaan • Komisaris Independen PT Sinarmas Sekuritas (2021 – Sekarang)
Employment History • Komisaris Independen di PT Trinitan Metals and Minerals, Tbk (2018 – Sekarang)
• Komisaris Independen di PT LCK Global Kedaton, Tbk (2017 – Sekarang)
• Tenaga Pengajar di Program Pasca Sarjana FHUI (2016 – Sekarang)
• Bantuan Hukum di Kemenkeu (2011 – 2016)
• Kasubdit di Kemenkeu (2008 – 2011)
• Tenaga Pengajar di FHUI Program Kenotariatan (2005 -2009)
• Independent Commissioner of PT Sinarmas Sekuritas (2021 – Present)
• Independent Commissioner at PT Trinitan Metals and Minerals, Tbk (2018 – Present)
• Independent Commissioner at PT LCK Global Kedaton, Tbk (2017 – Present)
• Lecturer at FHUI Postgraduate Program (2016 – Present)
• Legal Aid at the Ministry of Finance (2011 – 2016)
• Head of Sub-Directorate at the Ministry of Finance (2008 – 2011)
• Lecturer at FHUI Notary Program (2005 -2009)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
331
PT Sinarmas Asset Management 2024
Performance
Irawan Chandra
Highlights
Komisaris Independen
Independent Commissioner
Kewarganegaraan Indonesia Management
Citizenship Report
Domisili Jakarta
Domicile Company
Profile
Usia 65 tahun | years old
Age
Dasar Hukum Pengangkatan Akta No. 24 Tanggal 31 Juli 2019 oleh Notaris Syofilawati, S.H. Management
Discussion and
Jabatan Deed No. 24 dated July 31, 2019 by Notary Syofilawati, S.H.
Analysis
Legal Basis for Appointment
to Position
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan Business
Support
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Overview
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate. CORPORATE
Riwayat Pendidikan Bachelor Degree of Monash University / Accounting & Finance (1986) GOVERNANCE
Education History
Riwayat Pekerjaan • Komisaris Independen PT Sinarmas Asset Management (2019 – sekarang) Sustainability
Employment History • Financial Advisor - KPMG Siddharta Advisory (2017 – 2019) Report
• Komisaris Independen (Mizuho-Balimor Finance) (2016 – 2017)
• International Consulting Group (2016 – 2017)
• Direktur Eksekutif (Nomura) (1997 – 2015)
• Senior Associate Director (Deutcshe Bank - Jakarta) (1996 – 1997)
• Kepala Bagian Pasar Modal (PT Bank International Indonesia Tbk) (1992 – 1996)
• Asisten Bendahara (Chase Manhattan Bank - Jakarta) (1989 – 1992)
• Junior Auditor (Panell Kerr Forster – Sydney, Australia) (1986 – 1989)
• Independent Commissioner of PT Sinarmas Asset Management (2019 – present)
• Financial Advisor - KPMG Siddharta Advisory (2017 – 2019)
• Independent Commissioner (Mizuho-Balimor Finance) (2016 – 2017)
• International Consulting Group (2016 – 2017)
• Executive Director (Nomura) (1997 – 2015)
• Senior Associate Director (Deutcshe Bank - Jakarta) (1996 – 1997)
• Head of Capital Market Division (PT Bank International Indonesia Tbk) (1992 – 1996)
• Assistant Treasurer (Chase Manhattan Bank - Jakarta) (1989 – 1992)
• Junior Auditor (Panell Kerr Forster – Sydney, Australia) (1986 – 1989)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 334
PT Sinar Mas Multifinance
Mulabasa Hutabarat
Komisaris Independen
Independent Commissioner
Kewarganegaraan Indonesia
Citizenship
Domisili Jakarta
Domicile
Usia 71 tahun | years old
Age
Dasar Hukum Pengangkatan Akta Pernyataan Keputusan Sirkuler Para Pemegang Saham di Luar RUPSLB no. 2458
Jabatan tanggal 30 Januari 2023
Legal Basis for Appointment Deed of Circular Resolution Statement of Shareholders Outside of EGMS no. 2458 dated
to Position January 30, 2023
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
332 Anggota Komite
Legal Basis for Appointment
Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Ikhtisar Kinerja Financial Conglomerate.
2024
Riwayat Pendidikan • Pasca Sarjana (S2), Ekonomi, Indiana University / USA (1990)
Education History • Sarjana (S1) Ekonomi, Studi Pembangunan, Universitas Indonesia (1982)
Laporan
• Postgraduate (S2), Economics, Indiana University / USA (1990)
Manajemen
• Bachelor (S1) Economics, Development Studies, Universitas Indonesia (1982)
Profil
Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
TATA KELOLA
PERUSAHAAN
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 335
Riwayat Pekerjaan • Komisaris Independen PT Sinar Mas Multifinance (2014-Sekarang)
Employment History • Komisaris Independen PT Nirmala Taruna. (2023-Sekarang)
• Komisaris Independen PT BRI LIFE. (2016-2021)
• Komisaris Independen PT Asuransi Jiwa Bringin Sejahtera. (2016-2021)
• Ketua Dewan Pengawas PT Indo Surya Capital Management. (2016-2019)
• Ketua Dewan Pengawas Badan Pengelola Jaminan Sosial Ketenagakerjaan. (2014-2016)
• Komisaris Independen PT Asuransi Jiwa Tugu Mandiri. (2014-2016)
• Sekretaris Badan Kebijakan Fiskal pada Badan Kebijakan Fiskal Kementerian Keuangan.
(2013-2014)
• Kepala Biro Pembiayaan dan Penjaminan pada Bapepam-LK Kementerian Keuangan.
(2012-2013)
• Komisaris PT Bank Tabungan Negara. (2008-2012)
• Kepala Biro Dana Pensiun pada Bapepam-LK Kementerian Keuangan. (2006-2012)
• Komisaris PT Pelindo I. (2002-2007)
• Sekretaris Direktorat Jendral pada Direktorat Jendral Lembaga Keuangan Kementerian
Keuangan. (2000-2006)
• Kepala Subdirektorat pada Direktorat Perbankan dan Jasa Pembiayaan, Direktorat
Jendral Lembaga Keuangan Kementerian Keuangan. (1999-2000)
• Kepala Seksi Peraturan Dana Pensiun dan Registrasi pada Sub Direktorat Dana Pensiun
Pemberi Kerja, Direktorat Dana Pensiun, Direktorat Jendral Lembaga Keuangan
333
Kementerian Keuangan. (1995-1999)
• Kepala Seksi Perhitungan Aktuaria pada Sub Direktorat Dana Pensiun Pemberi Kerja, 2024
Performance
Direktorat Dana Pensiun, Direktorat Jendral Lembaga Keuangan Kementerian Keuangan.
Highlights
(1993-1995)
• Kepala Seksi Aneka Industri pada Direktorat Investasi Direktorat Dana Moneter Dalam
Negeri Kementerian Keuangan. (1985-1987) Management
• Kepala Seksi Administrasi dan Pengawasan Penerusan Pinjaman pada Direktorat Report
Investasi Direktorat Dana Moneter Dalam Negeri Kementerian Keuangan. (1984-1985)
• Independent Commissioner of PT Sinar Mas Multifinance (2014-Present)
• Independent Commissioner of PT Nirmala Taruna. (2023-Present) Company
• Independent Commissioner of PT BRI LIFE. (2016-2021) Profile
• Independent Commissioner of PT Asuransi Jiwa Bringin Sejahtera. (2016-2021)
• Chairman of the Supervisory Board of PT Indo Surya Capital Management. (2016-2019)
Management
• Chairman of the Supervisory Board of the Employment Social Security Management Discussion and
Agency. (2014-2016) Analysis
• Independent Commissioner of PT Asuransi Jiwa Tugu Mandiri. (2014-2016)
• Secretary of the Fiscal Policy Agency at the Fiscal Policy Agency of the Ministry of
Finance. (2013-2014) Business
• Head of the Financing and Guarantee Bureau at Bapepam-LK, Ministry of Finance. (2012- Support
2013) Overview
• Commissioner of PT Bank Tabungan Negara. (2008-2012)
• Head of the Pension Fund Bureau at Bapepam-LK, Ministry of Finance. (2006-2012)
CORPORATE
• Commissioner of PT Pelindo I. (2002-2007) GOVERNANCE
• Secretary of the Directorate General at the Directorate General of Financial Institutions,
Ministry of Finance. (2000-2006)
• Head of Sub-Directorate at the Directorate of Banking and Financing Services, Directorate Sustainability
General of Financial Institutions, Ministry of Finance. (1999-2000) Report
• Head of Section for Pension Fund Regulation and Registration at the Sub-Directorate of
Employer Pension Funds, Directorate of Pension Funds, Directorate General of Financial
Institutions, Ministry of Finance. (1995-1999)
• Head of Section for Actuarial Calculation at the Sub-Directorate of Employer Pension
Funds, Directorate of Pension Funds, Directorate General of Financial Institutions,
Ministry of Finance. (1993-1995)
• Head of Section for Various Industries at the Directorate of Investment, Directorate of
Domestic Monetary Funds, Ministry of Finance. (1985-1987)
• Head of Section for Administration and Supervision of Loan Forwarding at the Directorate
of Investment, Directorate of Domestic Monetary Funds, Ministry of Finance. (1984-1985)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 336
Luqyan Tamanni
Dewan Pengawas UUS
UUS Supervisory Board
Kewarganegaraan Indonesia
Citizenship
Domisili Bogor
Domicile
Usia 52 tahun | years old
Age
Dasar Hukum Pengangkatan Akta Pernyataan Keputusan Sirkuler Para Pemegang Saham di Luar RUPSLB no. 2458
Jabatan tanggal 30 Januari 2023
Legal Basis for Appointment Deed of Circular Resolution Statement of Shareholders Outside of EGMS No. 2458 dated
to Position January 30, 2023
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
334 of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Ikhtisar Kinerja Riwayat Pendidikan • PhD in Finance – Januari 2017, University of Glasgow, United Kingdom
2024 Education History • Master of Economics – September 2002, University of Malaya, Kuala Lumpur, Malaysia
• Bachelor of Economics – November 1997, International Islamic University Malaysia, Kuala
Laporan Lumpur
Manajemen • PhD in Finance – January 2017, University of Glasgow, United Kingdom
• Master of Economics – September 2002, University of Malaya, Kuala Lumpur, Malaysia
Profil • Bachelor of Economics – November 1997, International Islamic University Malaysia, Kuala
Perusahaan Lumpur
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
TATA KELOLA
PERUSAHAAN
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 337
Riwayat Pekerjaan • Anggota Dewan Pengawas Syariah (DPS)
Employment History - PT Asuransi Sinar Mas (2017 – sekarang)
- PT Sinarmas Multifinance (2017 – sekarang)
- PT Reasuransi Nusantara Makmur (2020 – sekarang)
• Dosen Tetap - Institut Agama Islam Tazkia, Bogor (2002 – sekarang)
• Dosen - Bahrain Institute of Banking and Finance (BIBF)- Bangor University Degree
Program in Bahrain (2018 – 2019)
• Graduate Teaching Assistant - University of Glasgow, United Kingdom (Teaching &
Bloomberg Lab Instructor) (2014 – 2017)
• Independent Consultant (2011– 2019)
- Bappenas/KNKS
(Masterplan Ekonomi Syariah) – melalui PT Zahir Syariah Indonesia (2018)
- Bank NTB Syariah
Konversi Bank NTB menjadi Bank NTB Syariah – tim konsultan Batasa Tazkia (2017-
2018)
- Bank Aceh
o Menyusun ‘Corporate Plan 2018-2022’ (Agu – Des 2017)
o Menyusun Road Map Unit Usaha Syariah 2011-2016 (Sep 2011)
o Islamic Development Bank, Jeddah, Saudi Arabia (Jun 2012)
o Islamic Relief Worldwide, UK (Nov. 2012 – July 2014)
335
o Islamic Finance Council UK, Glasgow, UK (Des. 2013 – Jun. 2014)
• Direktur Riset – PT Batasa Tazkia Consulting, Jakarta, Indonesia (2010 – 2011) 2024
Performance
• Associate Operations Officer - International Finance Corporation (IFC), World Bank Group,
Highlights
Indonesia (2006 – 2010)
• Member of the Sharia Supervisory Board (SSB)
- PT Asuransi Sinar Mas (2017 – present) Management
- PT Sinarmas Multifinance (2017 – present) Report
- PT Reasuransi Nusantara Makmur (2020 – present)
• Permanent Lecturer - Tazkia Islamic Institute, Bogor (2002 – present)
• Lecturer - Bahrain Institute of Banking and Finance (BIBF)- Bangor University Degree Company
Program in Bahrain (2018 – 2019) Profile
• Graduate Teaching Assistant - University of Glasgow, United Kingdom (Teaching &
Bloomberg Lab Instructor) (2014 – 2017)
Management
• Independent Consultant (2011– 2019) Discussion and
- Bappenas/KNKS Analysis
(Sharia Economic Masterplan) – through PT Zahir Syariah Indonesia (2018)
- Bank NTB Syariah
Conversion of Bank NTB to Bank NTB Syariah – Batasa Tazkia consultant team (2017- Business
2018) Support
- Bank Aceh Overview
o Prepared ‘Corporate Plan 2018-2022’ (Aug – Dec 2017)
o Prepared Sharia Business Unit Road Map 2011-2016 (Sep 2011)
CORPORATE
o Islamic Development Bank, Jeddah, Saudi Arabia (Jun 2012) GOVERNANCE
o Islamic Relief Worldwide, UK (Nov. 2012 – July 2014)
o Islamic Finance Council UK, Glasgow, UK (Dec. 2013 – Jun. 2014)
• Research Director – PT Batasa Tazkia Consulting, Jakarta, Indonesia (2010 – 2011) Sustainability
• Associate Operations Officer - International Finance Corporation (IFC), World Bank Group, Report
Indonesia (2006 – 2010)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders.
PT AB Sinar Mas Multifinance
Herry Hermana
Komisaris Independen
Independent Commissioner
Kewarganegaraan Indonesia
Citizenship
Domisili Jakarta
Domicile
Usia 68 tahun | years old
Age
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 338
Dasar Hukum Pengangkatan Akta Pernyataan Keputusan Para Pemegang Saham No.892 tanggal 19 Oktober 2021 - PT
Jabatan AB Sinar Mas Multifinance
Legal Basis for Appointment Deed of Statement of Shareholders’ Resolutions No. 892 dated October 19, 2021 - PT AB
to Position Sinar Mas Multifinance
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated December 6, 2024 concerning the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Riwayat Pendidikan • Sarjana Ekonomi Universitas Kertanegara (1998-2003)
Education History • Akademi Bank Pembangunan Jakarta (1976-1980)
• Bachelor of Economics, Universitas Kertanegara (1998-2003)
• Jakarta Development Bank Academy (1976-1980)
Riwayat Pekerjaan • Komisaris Independen PT Sinar Mas Hana Finance ( 2017-sekarang)
Employment History • Komisaris Independen PT AB Sinar Mas Multifinance ( 2017-sekarang)
• HR Head PT Sinar Mas Multifinance (1996-2013);
• Accounting & Tax PT Sinar Mas Multiartha (1989-1996)
336 • Accounting PT Internas Artha Leasing Co (1984-1985)
• Officer PT Bank Internasional Indonesia (1981-1985)
Ikhtisar Kinerja • Trainer PT Bank Internasional Indonesia (1983-1984)
2024 • Staff PT Bank Internasional Indonesia (1981-1983)
• Independent Commissioner of PT Sinar Mas Hana Finance (2017-present)
• Independent Commissioner of PT AB Sinar Mas Multifinance (2017-present)
Laporan
Manajemen • HR Head of PT Sinar Mas Multifinance (1996-2013);
• Accounting & Tax PT Sinar Mas Multiartha (1989-1996)
• Accounting PT Internas Artha Leasing Co (1984-1985)
Profil
• Officer PT Bank Internasional Indonesia (1981-1985)
Perusahaan
• Trainer PT Bank Internasional Indonesia (1983-1984)
• Staff PT Bank Internasional Indonesia (1981-1983)
Analisis dan
Pembahasan Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Manajemen Affiliation Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and
Tinjauan Controlling Shareholders.
Pendukung
Bisnis
PT. Bank Sinarmas Tbk.
TATA KELOLA Reynold M. Batubara
PERUSAHAAN
Pihak Independen
Independent Party
Laporan
Keberlanjutan Dasar Hukum Pengangkatan Memo M.002/2022/DIRUT-EU tanggal 11 Februari 2022 perihal Penunjukan Pihak
Jabatan Independen Bank Sinarmas sebagai Anggota Komite Tata Kelola Terintegrasi Bagi
Legal Basis for Appointment Konglomerasi Keuangan Sinar Mas.
to Position Memo M.002/2022/DIRUT-EU dated 11 February 2022 regarding the Appointment of
Independent Party of Bank Sinarmas as Member of the Integrated Governance Committee
for the Sinar Mas Financial Conglomerate.
Dasar Hukum Pengangkatan Memorandum No. 032/2024/DIRUT-EU tanggal 6 Desember 2024 tentang Susunan
Anggota Komite Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan Sinar Mas.
Legal Basis for Appointment Memorandum No. 032/2024/DIRUT-EU dated 6 December 2024 regarding the
of Committee Members Composition of Membership of the Integrated Governance Committee of the Sinar Mas
Financial Conglomerate.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 339
Hubungan Afiliasi Komite Tata Kelola Terintegrasi
Integrated Governance Committee Affiliate Relationships
Hubungan Keluarga dengan Hubungan Keuangan dengan
Familial Relationhsip with Financial Relationship with
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Jabatan Komisaris Komisaris
Nama Board of Pengendali Board of Pengendali
Position Board of Board of
Name Directors Controlling Directors Controlling
Commissioner Commissioner
Shareholder Shareholder
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Komisaris Independen
(Ketua merangkap
Anggota)
Sammy Kristamuljana - √ - √ - √ - √ - √ - √
Independent
Commissioner
(Chairman and Member)
Dewan Pengawas UUS
Ahmadi Sukarno - √ - √ - √ - √ - √ - √
UUS Supervisory Board
Mochammad Bukhori Muslim
Dewan Pengawas UUS
- √ - √ - √ - √ - √ - √
337
UUS Supervisory Board
Dewan Pengawas UUS 2024
Muhammad Faisal Muchtar - √ - √ - √ - √ - √ - √
UUS Supervisory Board Performance
Dewan Pengawas UUS Highlights
H. Ahmad Nuryadi Asmawi - √ - √ - √ - √ - √ - √
UUS Supervisory Board
Dewan Pengawas UUS Management
Luqyan Tamanni - √ - √ - √ - √ - √ - √
UUS Supervisory Board Report
Dewan Pengawas UUS
Muhammad Fahri Farid - √ - √ - √ - √ - √ - √
UUS Supervisory Board
Company
Komisaris Independen
Tonny Latidjan Independent - √ - √ - √ - √ - √ - √
Profile
Commissioner
Komisaris Independen Management
Johanes Chandra Setiawan Independent - √ - √ - √ - √ - √ - √ Discussion and
Commissioner
Analysis
Komisaris Independen
Aditiawan Chandra Independent - √ - √ - √ - √ - √ - √
Commissioner Business
Komisaris Independen Support
Rohana Sumihar Independent - √ - √ - √ - √ - √ - √ Overview
Commissioner
Komisaris Independen CORPORATE
Horas Parsaulian Pardede Independent - √ - √ - √ - √ - √ - √
GOVERNANCE
Commissioner
Komisaris Independen
Mohammad Shaifie Zein Independent - √ - √ - √ - √ - √ - √ Sustainability
Commissioner Report
Komisaris Independen
Sungkana Independent - √ - √ - √ - √ - √ - √
Commissioner
Komisaris Independen
Irawan Chandra Independent - √ - √ - √ - √ - √ - √
Commissioner
Komisaris Independen
Mulabasa Hutabarat Independent - √ - √ - √ - √ - √ - √
Commissioner
Komisaris Independen
Herry Hermana Independent - √ - √ - √ - √ - √ - √
Commissioner
Pihak Independen
Reynold M Batubara - √ - √ - √ - √ - √ - √
Independent Party
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 340
Wewenang Komite Tata Kelola Terintegrasi Authority of the Integrated Governance Committee
Wewenang Komite Tata Kelola Terintegrasi diungkapkan The authority of the Integrated Governance Committee is
sebagai berikut. disclosed as follows.
1. Melakukan pengawasan dan evaluasi atas pelaksanaan 1. Conduct supervision and evaluation of the implementation
Tata Kelola Terintegrasi pada Konglomerasi Keuangan of Integrated Governance at the Sinar Mas Financial
Sinar Mas, paling sedikit melalui penilaian kecukupan Conglomerate, at least through an assessment of the
pengendalian intern dan pelaksanaan fungsi kepatuhan adequacy of internal control and the implementation of
secara terintegrasi. integrated compliance functions.
Dalam melakukan evaluasi, Komite Tata Kelola In conducting the evaluation, the Integrated Governance
Terintegrasi memperoleh informasi berupa hasil evaluasi Committee obtains information in the form of evaluation
atas pelaksanaan audit intern dan fungsi kepatuhan results on the implementation of internal audits and
masing-masing LJK dari anggota Dewan Komisaris compliance functions of each LJK from members of the
masing-masing LJK yang menjadi anggota pada Komite Board of Commissioners of each LJK who are members
Tata Kelola Terintegrasi. of the Integrated Governance Committee.
338 2. Memberikan rekomendasi kepada Dewan Komisaris 2. Provide recommendations to the Board of Commissioners
Ikhtisar Kinerja
Entitas Utama untuk penyempurnaan Pedoman Tata of the Main Entity for the improvement of the Integrated
2024 Kelola Terintegrasi. Governance Guidelines.
Laporan Rapat Komite Tata Kelola Terintegrasi Integrated Governance Committee Meeting
Manajemen Rapat Komite Tata Kelola Terintegrasi wajib diselenggarakan The Integrated Governance Committee is required to
paling sedikit 1 kali setiap semester serta dapat dilaksanakan convene at least once every semester, with meetings
Profil melalui video conference. Sepanjang tahun 2024, Komite permitted to be conducted via video conference. In 2024,
Perusahaan
ini menyelenggarakan 2 (dua) kali rapat, dengan tingkat the Committee held two meetings, with attendance levels as
kehadiran sebagai berikut. detailed below.
Analisis dan
Pembahasan
Manajemen Tingkat
Jumlah Rapat Jumlah Kehadiran
Nama Jabatan Kehadiran (%) Keterangan
Number of Number of
Name Position Attendance Description
Tinjauan Meetings Attendance
Rate (%)
Pendukung
Bisnis Komisaris Independen (Ketua
merangkap Anggota) Hadir
Sammy Kristamuljana 2 2 100
Independent Commissioner Attended
TATA KELOLA (Chairman and Member)
PERUSAHAAN Ahmadi Sukarno. LC.M.A
Dewan Pengawas Syariah
2 2 100
Hadir
Sharia Supervisory Board Attended
Menghadiri rapat
Laporan Dewan Pengawas Syariah Semester II 2024
Keberlanjutan Mochammad Bukhori Muslim 2 1 50
Sharia Supervisory Board Attended the 2024
Semester II meeting
Dewan Pengawas UUS Hadir
Muhammad Faisal Muchtar 2 2 100
UUS Supervisory Board Attended
Dewan Pengawas UUS Hadir
H. Ahmad Nuryadi Asmawi 2 2 100
UUS Supervisory Board Attended
Menghadiri rapat
Dewan Pengawas UUS Semester II 2024
Luqyan Tamanni 2 1 50
UUS Supervisory Board Attended the 2024
Semester II meeting
Dewan Pengawas UUS Tidak Hadir
Muhammad Fahri Farid 2 0 0
UUS Supervisory Board Absent
Komisaris Independen Hadir
Horas Parsaulian Pardede 2 2 100
Independent Commissioner Attended
Komisaris Independen Hadir
Tonny Latidjan 2 2 100
Independent Commissioner Attended
Komisaris Independen Hadir
J. Chandra Setiawan Puspito 2 2 100
Independent Commissioner Attended
Menghadiri rapat
Komisaris Independen Semester II 2024
Aditiawan Chandra 2 1 50
Independent Commissioner Attended the 2024
Semester II meeting
Komisaris Independen Hadir
Rohana Sumihar 2 2 100
Independent Commissioner Attended
Menghadiri rapat
Komisaris Independen Semester II 2024
Mohammad Shaifie Zein 2 1 50
Independent Commissioner Attended the 2024
Semester II meeting
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 341
Tingkat
Jumlah Rapat Jumlah Kehadiran
Nama Jabatan Kehadiran (%) Keterangan
Number of Number of
Name Position Attendance Description
Meetings Attendance
Rate (%)
Menghadiri rapat
Komisaris Independen Semester II 2024
Sungkana 2 1 50
Independent Commissioner Attended the 2024
Semester II meeting
Menghadiri rapat
Komisaris Independen Semester II 2024
Irawan Chandra 2 1 50
Independent Commissioner Attended the 2024
Semester II meeting
Komisaris Independen Hadir
Mulabasa Hutabarat 2 2 100
Independent Commissioner Attended
Menghadiri rapat
Komisaris Independen Semester II 2024
Herry Hermana 2 1 50
Independent Commissioner Attended the 2024
Semester II meeting
Pihak Independen Hadir
Reynold M Batubara 2 2 100
Independent Party Attended
Informasi mengenai pelaksanaan Rapat Komite Tata Kelola Information regarding the implementation of the Integrated
339
Terintegrasi, mulai dari tanggal dan agenda, diungkapkan Governance Committee Meeting, starting from the date and
2024
pada tabel berikut. agenda, is disclosed in the following table. Performance
Highlights
Tanggal
Agenda
Date
Management
• Pemberitahuan Perubahan Anggota Konglomerasi Keuangan Sinar Mas.
Report
• Update Informasi atas rasio-rasio mandatori yang perlu ditindaklanjuti pada PT Sinarmas Multifinance dan PT Bank Nano
Syariah.
• Pemaparan Rancangan Peraturan Otoritas Jasa Keuangan Konglomerasi Keuangan dan Perusahaan Induk Konglomerasi
Keuangan (PIKK). Company
21 Juni 2024 • Update Aktivitas APU PPT & PPPSPM Konglomerasi Keuangan Sinar Mas Profile
June 21, 2024 • Notification of Changes in Members of the Sinar Mas Financial Conglomerate.
• Information Update on mandatory ratios that need to be followed up on at PT Sinarmas Multifinance and PT Bank Nano
Syariah.
• Presentation of the Draft Regulation of the Financial Services Authority for Financial Conglomerates and the Holding
Management
Company of Financial Conglomerates (PIKK). Discussion and
• Update on APU PPT & PPPSPM Activities of the Sinar Mas Financial Conglomerate Analysis
• Sharing Penerapan Strategi Anti Fraud pada PT. Bank Sinarmas Tbk.
• Informasi Penambahan Anggota Konglomerasi Keuangan Sinar Mas
• Update Aktivitas dan Isu Kepatuhan pada LJK Konglomerasi Keuangan Sinar Mas Business
19 Desember 2024 • Hasil Assessment Penerapan Program APU PPT & PPPSPM LJK Konglomerasi Keuangan Sinar Mas Support
December 19, 2024 • Sharing of the Implementation of Anti-Fraud Strategies at PT. Bank Sinarmas Tbk. Overview
• Information on the Addition of Members of the Sinar Mas Financial Conglomerate
• Update on Activities and Compliance Issues at the Sinar Mas Financial Conglomerate LJK
• Assessment Results for the Implementation of the APU PPT & PPPSPM Programs of the Sinar Mas Financial Conglomerate LJK
CORPORATE
GOVERNANCE
Laporan Pelaksanaan Tugas Komite Tata Kelola Report on the Implementation of Integrated
Terintegrasi Governance Committee Duties Sustainability
Tugas dan tanggung jawab yang telah dilaksanakan Komite The duties and responsibilities that have been carried out by the Report
Tata Kelola Terintegrasi di sepanjang tahun 2024, yakni: Integrated Governance Committee throughout 2024, namely:
1. Komite Tata Kelola Terintegrasi telah melakukan evaluasi 1. The Integrated Governance Committee has conducted
atas pelaksanaan Tata Kelola Terintegrasi, paling sedikit an evaluation of the implementation of Integrated
melalui penilaian kecukupan pengendalian intern dan Governance, at least through an assessment of the
pelaksanaan fungsi Kepatuhan secara terintegrasi adequacy of internal control and the implementation
melalui Rapat Komite Tata Kelola Terintegrasi. of the Compliance function in an integrated manner
through the Integrated Governance Committee Meeting.
2. Komite Tata Kelola Terintegrasi telah memberikan 2. The Integrated Governance Committee has provided
rekomendasi kepada Dewan Komisaris Entitas Utama recommendations to the Board of Commissioners of
untuk penyempurnaan Pedoman Tata Kelola Terintegrasi the Main Entity for the improvement of the Integrated
yang tertuang pada Surat Keputusan Nomor SK.001/2021/ Governance Guidelines as stated in Decree Number
DIRUT-EU tanggal 27 Januari. SK.001/2021/DIRUT-EU dated January 27.
3. Hasil rapat Komite Tata Kelola Terintegrasi semester 3. The results of the Integrated Governance Committee
I dan semester II tahun 2024 telah dituangkan dalam meetings for semester I and semester II of 2024 have
risalah rapat dan didokumentasikan dengan baik serta been stated in the minutes of the meeting and are well
tidak terdapat dissenting opinions. documented and there are no dissenting opinions.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 342
KOMITE-KOMITE DI BAWAH DIREKSI
Committees Under the Board of Directors
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
Komite Manajemen Risiko (Risk Management Committee- The Risk Management Committee (RMC) is a committee
RMC) adalah komite yang beranggotakan Direksi serta consisting of the Board of Directors and Executive Officers
Pejabat Eksekutif Bank yang bersifat sebagai anggota tetap of the Bank who act as permanent and non-permanent
dan anggota tidak tetap yang disesuaikan dengan kebutuhan members adjusted to the needs and the Bank. The
dan Bank. Komite tersebut dibentuk untuk membantu committee was formed to assist in the implementation of the
340 pelaksanaan tugas dan wewenang Direksi terkait dengan
penerapan manajemen risiko di Bank. Komite Manajemen
duties and authorities of the Board of Directors related to the
implementation of risk management in the Bank. The Risk
Ikhtisar Kinerja
Risiko bersifat independen dalam menjalankan tugas dan Management Committee is independent in carrying out its
2024 tanggung jawabnya. duties and responsibilities.
Laporan Pedoman Kerja Work Guidelines
Manajemen Komite Manajemen Risiko menjalankan tugas tanggung The Risk Management Committee carries out its duties
jawabnya dengan berpedoman pada Peraturan Otoritas and responsibilities by referring to the Financial Services
Profil Jasa Keuangan No. 18/POJK.03/2016 tentang Penerapan Authority Regulation No. 18/POJK.03/2016 concerning the
Perusahaan
Manajemen Risiko bagi Bank Umum dan Surat Keputusan Implementation of Risk Management for Commercial Banks
No. SK.095/2023/DIR1-RMG tanggal 28 Desember 2023 and Decree No. SK.095/2023/DIR1-RMG dated December
Analisis dan
Pembahasan tentang Pedoman dan Tata Tertib Kerja Komite Manajemen 28, 2023 concerning the Guidelines and Work Procedures of
Manajemen Risiko PT. Bank Sinarmas Tbk. the Risk Management Committee of PT. Bank Sinarmas Tbk.
Tinjauan Struktur dan Komposisi Structure and Composition
Pendukung
Bisnis
Struktur dan komposisi Komite Manajemen Risiko Bank The structure and composition of the Risk Management
Sinarmas berdasarkan Surat Keputusan No. SK.095/2023/ Committee of Bank Sinarmas based on Decree No.
TATA KELOLA DIR1-RMG tanggal 28 Desember 2023 tentang Pedoman SK.095/2023/DIR1-RMG dated December 28, 2023
PERUSAHAAN dan Tata Tertib Kerja Komite Manajemen Risiko PT. Bank concerning the Guidelines and Work Procedures of the
Sinarmas Tbk. diungkapkan sebagai berikut. Risk Management Committee of PT. Bank Sinarmas Tbk. is
Laporan disclosed as follows.
Keberlanjutan
Jabatan dalam Komite Pelaksana Hak Suara
Positions in the Committee Organizer Voting Right
Ketua (Anggota Tetap)
Compliance & Risk Management Director √
Chairman (Permanent Member)
Sekretaris Komite (Anggota Tetap)
Risk Management Group Head √
Committee Secretary (Permanent Member)
Anggota Tetap Seluruh Direktur
√
Permanent Member All Director
Bidang Risiko
x
Risk Sector
Bidang Audit Internal
x
Internal Audit Sector
Bidang Compliance
x
Anggota Tidak Tetap Compliance Sector
Non-Permanent Member Bidang Legal
x
Legal Sector
Bidang Perkreditan/Lending
x
Credit/Lending Sector
Bidang Treasury & Financial Institution
x
Treasury & Financial Institution Sector
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 343
Jabatan dalam Komite Pelaksana Hak Suara
Positions in the Committee Organizer Voting Right
Bidang Payment & Transaction
x
Payment & Transaction Sector
Bidang Operations
x
Operations Sector
Bidang Dana Pihak Ketiga/Liability
x
Third Party Funds/Liability Sector
Bidang Information Technology
x
Information Technology Sector
Bidang Securities Services
x
Securities Services Sector
Bidang Finance & Performance Management
x
Finance & Performance Management Sector
Bidang Human Capital
x
Human Capital Sector
Bidang Digital Banking
x
Digital Banking Sector
341
Bidang Sales and Distribution
x
Sales and Distribution Sector
2024
Performance
Tugas dan Tanggung Jawab Duties and Responsibilities Highlights
Komite Manajemen Risiko memiliki tugas dan tanggung The Risk Management Committee is responsible for
jawab memberikan rekomendasi kepada Direktur Utama providing recommendations to the President Director Management
terkait penerapan manajemen risiko berupa proses regarding the implementation of risk management, including Report
identifikasi, pengukuran, pemantauan, pengendalian dan the processes of identification, measurement, monitoring,
sistem informasi manajemen yang paling sedikit mencakup: control, and management information systems, covering at Company
least the following: Profile
1. Penyusunan kebijakan, strategi, dan pedoman 1. Formulating risk management policies, strategies, and
penerapan manajemen risiko serta perubahannya, implementation guidelines, including any revisions. This
Management
termasuk strategi manajemen risiko, tingkat risiko yang includes the risk management strategy, risk appetite and Discussion and
diambil dan toleransi risiko, kerangka manajemen tolerance, risk management framework, and contingency Analysis
risiko, serta rencana kontinjensi untuk mengantisipasi plans to anticipate abnormal conditions;
terjadinya kondisi tidak normal; Business
2. Perbaikan atau penyempurnaan pelaksanaan manajemen 2. Improving or refining risk management implementation Support
risiko secara berkala maupun bersifat insidental sebagai on a regular basis or incidentally due to changes in Overview
akibat dari suatu perubahan kondisi eksternal dan internal the Bank’s internal or external conditions that affect
Bank yang memengaruhi kecukupan permodalan, profil capital adequacy, risk profile, or the ineffectiveness of CORPORATE
risiko Bank, dan tidak efektifnya penerapan manajemen risk management implementation based on evaluation GOVERNANCE
risiko berdasarkan hasil evaluasi; results;
3. Penetapan kebijakan dan/atau keputusan bisnis yang 3. Approving policies and/or business decisions that Sustainability
menyimpang dari prosedur normal, seperti pelampauan deviate from standard procedures, such as significant Report
ekspansi usaha yang signifikan dibandingkan dengan business expansion beyond the previously established
rencana bisnis Bank yang telah ditetapkan sebelumnya business plan or risk-taking/position exposure that
atau pengambilan posisi/eksposur risiko yang melampaui exceeds the established limits. Such approvals may be
limit yang telah ditetapkan yang dapat disampaikan granted through Risk Management Committee meetings
melalui rapat Komite Manajemen Risiko atau dilakukan or by internal memorandum circulation;
melalui sirkulasi memorandum internal;
4. Menyetujui Laporan Tingkat Kesehatan Bank, yang 4. Approving the Bank Soundness Level Report, which
meliputi Laporan Profil Risiko Bank (yang mencakup 8 includes the Bank’s Risk Profile Report (covering
(delapan) jenis risiko, yaitu risiko kredit, risiko pasar, risiko 8 types of risk: credit, market, liquidity, strategic,
likuiditas, risiko stratejik, risiko operasional termasuk operational—including cyber risk as an additional
risiko siber sebagai indikator tambahan, risiko kepatuhan, indicator—compliance, reputation, and legal risk, as
risiko reputasi, dan risiko hukum, serta terdapat well as 2 sharia-specific risks: investment risk and return
tambahan 2 risiko terkait syariah, yaitu risiko investasi risk), Governance Report, Bank Profitability Report, and
dan risiko imbal hasil), Laporan Tata Kelola Bank, Laporan Capital Report, which must be periodically submitted to
Rentabilitas Bank, serta Laporan Permodalan Bank yang regulators on a quarterly and semiannual basis through
wajib disampaikan secara berkala kepada regulator, Risk Management Committee meetings;
yaitu triwulan dan semesteran, yang disampaikan dan
disetujui melalui rapat Komite Manajemen Risiko;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 344
5. Menyetujui laporan lain yang wajib dilaporkan kepada 5. Approving other reports that must be regularly submitted
regulator secara berkala, seperti Laporan Internal to regulators, such as the Internal Capital Adequacy
Capital Adequacy Assesment Process (ICAAP), Laporan Assessment Process (ICAAP) Report, Stress Test Report,
Stress Test, dan lain-lain yang dapat disampaikan dan and others, which may be approved via Committee
disetujui melalui rapat Komite Manajemen Risiko atau meetings or internal memorandum circulation;
melalui sirkulasi memorandum internal;
6. Menjalankan fungsi yang lain, seperti yang diarahkan oleh 6. Carrying out other functions as directed by the President
Presiden Direktur dan/atau Komite Pemantau Risiko; serta Director and/or the Risk Monitoring Committee; and
7. Menyetujui rencana kerja yang disusun dan disampaikan 7. Approving work plans prepared and submitted by the
oleh Sekretaris Komite Manajemen Risiko. Secretary of the Risk Management Committee.
Rapat Meetings
Kebijakan Policy
Komite Manajemen Risiko mengadakan rapat minimal 10 kali The Risk Management Committee is required to hold a
342 dalam setahun dan rapat Ad hoc di luar rapat berkala. Rapat
komite dihadiri oleh seluruh anggota tetap dan anggota
minimum of 10 meetings annually, in addition to ad hoc
meetings outside the regular schedule. Each meeting must
Ikhtisar Kinerja
tidak tetap. be attended by all permanent and non-permanent members.
2024
Frekuensi dan Kehadiran Frequency and Attendance
Laporan Selama tahun 2024, Komite Manajemen Risiko telah In 2024, the Risk Management Committee convened 11
Manajemen menyelenggarakan rapat secara berkala sebanyak 11 kali regular meetings. All meetings reached consensus-based
rapat dan seluruh hasil rapat yang dilaksanakan telah decisions, and and were declared valid, with all outcomes of
Profil mencapai keputusan bersama secara musyawarah dan the Risk Management Committee meetings duly recorded in
Perusahaan
mufakat serta dinyatakan sah dan seluruh hasil rapat Komite the minutes and properly documented.
Manajemen Risiko dituangkan di dalam risalah rapat dan
Analisis dan
Pembahasan telah didokumentasikan dengan baik.
Manajemen
Jumlah Rapat Jumlah Kehadiran
Jabatan Frekuensi/Tingkat Kehadiran (%)
Tinjauan Number of Number of
Position Frequency/Attendance Rate (%)
Pendukung Meetings Attendance
Bisnis
Direktur yang Compliance & Risk Management
11 11 100,00
Compliance & Risk Management Director
TATA KELOLA Satuan Kerja Manajemen Risiko
PERUSAHAAN 11 11 100,00
Risk Management Work Unit
Seluruh Direktur
Laporan 11 11 100,00
All Directors
Keberlanjutan
Bidang Audit Internal
11 10 90,91
Internal Audit Department
Bidang Compliance
11 8 72,73
Compliance Department
Bidang Legal
11 7 63,64
Legal Department
Bidang Perkreditan/Lending
11 10 90,91
Credit/Lending Department
Bidang Treasury & Financial Institution
11 1 9,09
Treasury & Financial Institution Department
Bidang Payment & Transaction
11 8 72,73
Payment & Transaction Department
Bidang Operations
11 9 81,82
Operations Department
Bidang Dana Pihak Ketiga/Liability
11 1 9,09
Third Party Fund/Liability Department
Bidang Syariah
11 1 9,09
Sharia Department
Bidang Securities Services
11 1 9,09
Securities Services Department
Bidang Finance & Performance Management
11 9 81,82
Finance & Performance Management Department
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 345
Jumlah Rapat Jumlah Kehadiran
Jabatan Frekuensi/Tingkat Kehadiran (%)
Number of Number of
Position Frequency/Attendance Rate (%)
Meetings Attendance
Bidang Human Capital
11 7 63,64
Human Capital Department
Bidang Product Management
11 6 54,55
Product Management Department
Bidang Sales and Distribution
11 0 0,00
Sales and Distribution Department
Bidang Loan Recovery
11 8 72,73
Loan Recovery Department
Bidang Anti-Fraud
11 10 90,91
Anti-Fraud Department
Bidang Digital Marketing
11 0 0,00
Digital Marketing Department
Bidang Deposit, Investment & Product Development
11 5 45,45
Deposit, Investment & Product Development Department
Bidang Technical Product Management
Technical Product Management Department
11 9 81,82 343
Bidang IT Infrastructure
11 11 100,00 2024
IT Infrastructure Department
Performance
Bidang IT Governance Highlights
11 8 72,73
IT Governance Department
Bidang Artificial Intelligence
11 7 63,64
Artificial Intelligence Department Management
Report
Bidang Business Intelligence
11 9 81,82
Business Intelligence Department
Bidang Credit Management Company
11 7 63,64
Credit Management Department Profile
Bidang Credit Administration
11 11 100,00
Credit Administration Department
Management
Bidang Credit Card Discussion and
11 8 72,73
Credit Department Card
Analysis
Bidang Branch Network
11 2 18,18
Department Branch Network
Bidang Consumer Loan Advisor
Business
11 3 27,27 Support
Department Consumer Loan Advisor
Overview
Agenda CORPORATE
Tanggal
GOVERNANCE
Agenda
Date
1. Laporan TKB 31 Des 2023. Sustainability
2. Laporan ICAAP 31 Des 2023. Report
3. Laporan Stress Testing Bank posisi 31 Des 2023.
4. Laporan Profil Risiko Unit Usaha Syariah Bank Sinarmas 31 Des 2023.
5. Pemantauan Risk Appetite & Risk Tolerance Triwulan IV - 2023.
6. Pemantauan Realisasi Rasio RPIM
17 Januari 2024 7. Pemantauan dan Pelaporan Restrukturisasi Covid 19 Triwulan IV – Desember 2023
January 17, 2024 1. TKB Report 31 Dec 2023.
2. ICAAP Report 31 Dec 2023.
3. Bank Stress Testing Report position 31 Dec 2023.
4. Bank Sinarmas Sharia Business Unit Risk Profile Report 31 Dec 2023.
5. Monitoring of Risk Appetite & Risk Tolerance Quarter IV - 2023.
6. Monitoring of RPIM Ratio Realization
7. Monitoring and Reporting of Covid 19 Restructuring Quarter IV - December 2023
1. Proposal Pengajuan Risk Appetite & Risk Tolerance RMG Tahun 2024
2. Penerapan Risk Control Self Assessment (RCSA) End to end Process dengan Metode Penyempurnaan.
3. Realisasi Rencana Kerja Komite Manajemen Risiko Tahun 2023 dan Proposal Program Kerja Komite Manajemen Risiko
28 Februari 2024 Tahun 2024.
February 28, 2024 1. Proposal for Submission of Risk Appetite & Risk Tolerance RMG 2024
2. Implementation of Risk Control Self Assessment (RCSA) End to end Process with Improvement Method.
3. Realization of Risk Management Committee Work Plan 2023 and Proposal of Risk Management Committee Work Program
2024.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 346
Tanggal
Agenda
Date
1. Proposal Pengajuan Hasil Kaji Ulang Peers Bank Tahun 2024 untuk Penyusunan Laporan Profil Risiko Bank.
2. Proposal Kaji Ulang Parameter, Threshold dan Bobot Risiko Penilaian Tingkat Kesehatan Bank dan Profil Risiko (Bank dan
Konsolidasi).
3. Proposal Kaji Ulang Parameter Rentabilitas dalam Laporan Tingkat Kesehatan Bank. (Proposal diajukan oleh Finance
Group).
4. Simulasi perhitungan Laporan Tingkat Kesehatan Bank dan Laporan Profil Risiko Bank (Konsolidasi & Konvensional) dengan
26 Maret 2024
parameter, rentang risiko, bobot risiko terbaru menggunakan Data posisi 31 Desember 2023
March 26, 2024
1. Proposal for Submission of Peers Bank Review Results 2024 for Preparation of Bank Risk Profile Report.
2. Proposal for Review of Parameters, Thresholds and Risk Weights for Bank Health Level Assessment and Risk Profile (Bank
and Consolidation).
3. Proposal for Review of Rentability Parameters in Bank Health Level Report (Proposal submitted by Finance Group).
4. Simulation of calculation of Bank Health Level Report and Bank Risk Profile Report (Consolidation & Conventional) with the
latest parameters, risk range, risk weights using Data position 31 December 2023
1. Laporan Profil Risiko Bank Individu posisi 31 Maret 2024.
2. Laporan Profil Risiko Bank Konsolidasi posisi 31 Maret 2024.
3. Pemantauan Risk Appetite & Risk Tolerance Triwulan I - 2024.
24 April 2024 4. Pemantauan Realisasi Rasio RPIM.
April 24, 2024 1. Individual Bank Risk Profile Report as of March 31, 2024.
2. Consolidated Bank Risk Profile Report as of March 31, 2024.
344 3. Monitoring of Risk Appetite & Risk Tolerance for Quarter I - 2024.
4. Monitoring of RPIM Ratio Realization.
Ikhtisar Kinerja 1. Update Pemenuhan Sertifikasi Manajemen Risiko (HCM).
2024 2. Proposal Persetujuan atas Aspek Penilaian Manajemen Risiko TI (bagian dari Digital Maturity Assesment Bank) Posisi
26 Juni 2024 Desember 2023.
June 26, 2024 1. Update on Risk Management Certification (HCM).
Laporan 2. Proposal for Approval of IT Risk Management Assessment Aspects (part of Bank›s Digital Maturity Assessment) Position
Manajemen December 2023.
1. Laporan TKB (Individu & Konsolidasi) posisi 30 Juni 2024.
Profil 2. Laporan ICAAP (Individu & Konsolidasi) posisi 30 Juni 2024.
3. Laporan Stress Testing Bank (Individu & Konsolidasi posisi 30 Juni 2024.
Perusahaan
4. Laporan Profil Risiko Bank posisi TW IV - 2024 (Individu & Konsolidasi).
5. Pemantauan Risk Appetite & Risk Tolerance.
Analisis dan 17 Juli 2024 6. Pemantauan Realisasi Rasio RPIM Triwulan II - 2024.
Pembahasan July 17, 2024 1. TKB Report (Individual & Consolidation) position June 30, 2024.
Manajemen 2. ICAAP Report (Individual & Consolidation) position June 30, 2024.
3. Bank Stress Testing Report (Individual & Consolidation position June 30, 2024.
4. Bank Risk Profile Report position Q4 - 2024 (Individual & Consolidation).
Tinjauan 5. Risk Appetite & Risk Tolerance Monitoring.
Pendukung 6. Monitoring of RPIM Ratio Realization Quarter II - 2024.
Bisnis 1. Proposal Persetujuan Kaji Ulang Risk Appetite & Risk Tolerance Bank Tahun 2024.
2. Tindak Lanjut permintaan Komite Pemantauan Risiko mengenai Evaluasi Risiko terkait Transaksi di Treasury untuk Risiko
TATA KELOLA 24 September 2024 Pasar, Risiko Likuiditas & Risiko Operasional).
September 24, 2024 1. Proposal for Approval of Bank›s Risk Appetite & Risk Tolerance Review in 2024.
PERUSAHAAN
2. Follow-up to the Risk Monitoring Committee›s request regarding Risk Evaluation related to Transactions in Treasury for
Market Risk, Liquidity Risk & Operational Risk).
Laporan 1. Laporan Profil Risiko Bank Individu posisi 30 September 2024.
Keberlanjutan 2. Laporan Profil Risiko Bank Konsolidasi posisi 30 September 2024.
3. Pemantauan Risk Appetite & Risk Tolerance Triwulan III - 2024.
16 Oktober 2024 4. Pemantauan Realisasi Rasio RPIM.
October 16, 2024 1. Individual Bank Risk Profile Report as of September 30, 2024.
2. Consolidated Bank Risk Profile Report as of September 30, 2024.
3. Monitoring of Risk Appetite & Risk Tolerance Quarter III - 2024.
4. Monitoring of RPIM Ratio Realization.
1. Kaji Ulang Metodologi Perhitungan ICAAP.
2. Realisasi Rencana Kerja Komite Manajemen Risiko Tahun 2024 dan Proposal Program Kerja Komite Manajemen Risiko
25 November 2024 Tahun 2025.
November 25, 2024 1. Review of ICAAP Calculation Methodology.
2. Realization of the Risk Management Committee Work Plan for 2024 and the Risk Management Committee Work Program
Proposal for 2025.
10 Desember 2024 Laporan Rencana Aksi Pemulihan Bank Sinarmas (Recovery Plan) Tahun 2024.
December 10, 2024 Report on Bank Sinarmas Recovery Action Plan (Recovery Plan) for 2024
1. POJK 15 tahun 2024 tentang Integritas Pelaporan Keuangan Bank.
19 Desember 2024 2. Corporate Credit Rating Assessment Bank Sinarmas.
December 19, 2024 1. POJK 15 of 2024 concerning the Integrity of Bank Financial Reporting.
2. Corporate Credit Rating Assessment of Bank Sinarmas.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 347
Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
2024 2024
Sepanjang tahun 2024, Komite Manajemen Risiko Bank Throughout 2024, the Risk Management Committee of
Sinarmas telah melaksanakan tugas dan tanggung jawab Bank Sinarmas has carried out the following duties and
sebagai berikut. responsibilities.
1. Menyetujui Risk Appetite & Risk Tolerance Bank 2024, 1. Approved the Bank’s Risk Appetite & Risk Tolerance 2024,
termasuk Revisi Risk Appetite & Risk Tolerance Bank. including the Revised Bank’s Risk Appetite & Risk Tolerance.
2. Menyetujui Penilaian Laporan Profil Risiko Unit Usaha 2. Approved the Assessment of the Sharia Business Unit
Syariah Posisi Triwulan IV – 2023. Risk Profile Report for Quarter IV - 2023.
3. Menyetujui Penilaian Laporan Tingkat Kesehatan Bank 3. Approved the Assessment of the Bank’s Health Level
posisi 31 Desember 2023 & Juni 2024 (Individu & Report for December 31, 2023 & June 2024 (Individual &
Konsolidasi). Consolidated).
4. Menyetujui Laporan Internal Capital Adequacy 4. Approve the Internal Capital Adequacy Assessment
Assessment Process (ICAAP) Individu & Konsolidasi Process (ICAAP) Report for Individual & Consolidated
Posisi Desember 2023 & Juni 2024. Positions for December 2023 & June 2024.
5. Menyetujui kaji ulang parameter, rentang risiko, dan
bobot risiko parameter Tingkat Kesehatan Bank & Profil
5. Approve the review of parameters, risk ranges, and
risk weights for Bank Health Level & Bank Risk Profile
345
Risiko Bank tahun 2024. parameters in 2024.
2024
6. Menyetujui Penetapan kebijakan dan/atau keputusan 6. Approve the determination of policies and/or business Performance
bisnis yang menyimpang dari prosedur normal/limit decisions that deviate from normal procedures/normal Highlights
normal (pelampauan). limits (excesses).
7. Melakukan pengawasan dan/atau pemantauan terkait 7. Conduct supervision and/or monitoring related to the Management
Ketentuan dan Uji Coba Contingency Funding Plan Provisions and Trial of the Contingency Funding Plan Report
dan Pinjaman Likuiditas Jangka Pendek (PLJP) Bank and Short-Term Liquidity Loan (PLJP) of Bank Indonesia
Indonesia tahun 2024. in 2024. Company
8. Menyetujui skenario dan hasil stress testing Bank 2024. 8. Approve the scenario and results of the Bank’s stress Profile
testing in 2024.
9. Menyetujui Laporan Rencana Aksi Pemulihan Bank 9. Approve the Report on the Bank Sinarmas Recovery
Management
Sinarmas (Recovery Plan) Tahun 2024 Action Plan (Recovery Plan) in 2024 Discussion and
10. Menyetujui penyempurnaan proses Manajemen Risiko 10. Approve the improvement of the Risk Management Analysis
secara berkala maupun bersifat insidental sebagai akibat process periodically or incidentally as a result of
dari suatu perubahan kondisi eksternal dan internal Bank changes in the Bank’s external and internal conditions Business
yang mempengaruhi kecukupan permodalan, Profil that affect capital adequacy, the Bank’s Risk Profile, and Support
Risiko Bank, dan tidak efektifnya penerapan manajemen the ineffectiveness of risk management implementation Overview
risiko berdasarkan hasil evaluasi, berupa: based on evaluation results, in the form of:
a. Pemantauan Realisasi Rasio Inklusif Makroprudensial a. Monitoring the Realization of the Macroprudential CORPORATE
(RPIM); Inclusive Ratio (RPIM); GOVERNANCE
b. Penerapan Risk Control Self Assessment (RCSA) End b. Implementation of the End-to-end Risk Control Self
to end Process dengan Metode Penyempurnaan; Assessment (RCSA) Process with the Improvement Sustainability
Method; Report
c. Update Pemenuhan Sertifikasi Manajemen Risiko c. Update on Fulfillment of Risk Management
(HCM); Certification (HCM);
d. Proposal Persetujuan atas Aspek Penilaian d. Proposal for Approval of the IT Risk Management
Manajemen Risiko TI (bagian dari Digital Maturity Assessment Aspect (part of the Bank’s Digital
Assesment Bank) Posisi Desember 2023; Maturity Assessment) Position in December 2023;
e. Menyetujui Kaji Ulang Metododologi ICAAP tahun 2024; e. Approving the ICAAP Methodology Review in 2024;
f. Tindak Lanjut permintaan Komite Pemantauan f. Follow-up on the Risk Monitoring Committee’s
Risiko mengenai Evaluasi Risiko terkait Transaksi di request regarding the Evaluation of Risks related
Treasury untuk Risiko Pasar, Risiko Likuiditas & Risiko to Transactions in Treasury for Market Risk, Liquidity
Operasional; Risk & Operational Risk;
g. Realisasi Rencana Kerja Komite Manajemen Risiko g. Realization of the Risk Management Committee Work
Tahun 2024 dan Proposal Program Kerja Komite Plan in 2024 and the Risk Management Committee
Manajemen Risiko Tahun 2025; dan Work Program Proposal in 2025; and
h. Sosialisasi POJK 15 tahun2024 Tentang Integritas h. Socialization of POJK 15 of 2024 concerning the
Pelaporan Keuangan Bank; Integrity of Bank Financial Reporting;
i. Corporate Credit Rating Assessment Bank Sinarmas. i. Corporate Credit Rating Assessment of Bank Sinarmas.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 348
KOMITE KEBIJAKAN PERKREDITAN (KKP) CREDIT POLICY COMMITTEE
Komite Kebijakan Perkreditan (KKP) merupakan upaya untuk The Credit Policy Committee (KKP) is established to support
mendukung pelaksanaan pemberian kredit yang sehat the implementation of sound credit disbursement practices
dan pengelolaan kredit yang optimal serta untuk dapat and the optimal management of credit. In order to implement
melaksanakan Kebijakan Perkreditan yang telah ditetapkan, the established Credit Policy effectively, a Credit Framework
diperlukan Perangkat Perkreditan yang disusun sesuai is required, structured in accordance with defined functions,
dengan fungsi, tugas, wewenang dan tanggung jawab. duties, authorities, and responsibilities. The Credit Framework
Perangkat Perkreditan terdiri dari Dewan Komisaris, Dewan consists of the Board of Commissioners, the Board of
Direksi, dan Satuan Kerja Perkreditan. Directors, and the Credit Work Unit.
Komite Kebijakan Perkreditan (KKP) adalah komite yang The Credit Policy Committee (KKP) is a committee that
membantu direksi dalam merumuskan kebijakan, mengawasi assists the Board of Directors in formulating credit policies,
pelaksanaan kebijakan, memantau perkembangan dan overseeing their implementation, monitoring the development
kondisi portofolio perkreditan serta memberikan saran-saran and condition of the credit portfolio, and providing
langkah perbaikan. recommendations for corrective actions.
346 Pedoman Kerja Work Guidelines
Ikhtisar Kinerja
Komite Kebijakan Perkreditan (KKP) menjalankan tugas The Credit Policy Committee (KKP) carries out its duties and
2024 tanggung jawabnya dengan berpedoman pada Pedoman responsibilities by referring to the Guidelines and Work Rules
dan Tata Tertib Kerja Komite Kebijakan Perkreditan versi 2.0 of the Credit Policy Committee version 2.0 and applicable
Laporan dan ketentuan eksternal yang berlaku, antara lain: external provisions, including:
Manajemen 1. Undang-Undang Republik Indonesia Nomor 10 Tahun 1. Law of the Republic of Indonesia Number 10 of 1998
1998 tentang Perubahan atas Undang-Undang Nomor 7 concerning Amendments to Law Number 7 of 1992
Profil Tahun 1992 tentang Perbankan; concerning Banking;
Perusahaan
2. Peraturan Otoritas Jasa Keuangan Nomor 18/ 2. Regulation of the Financial Services Authority Number
POJK.03/2016 tanggal 16 Maret 2016 tentang Penerapan 18/POJK.03/2016 dated March 16, 2016 concerning the
Analisis dan
Pembahasan Manajemen Risiko Bagi Bank Umum; Implementation of Risk Management for Commercial Banks;
Manajemen 3. Peraturan Otoritas Jasa Keuangan Nomor 42/POJK.03/2017 3. Regulation of the Financial Services Authority Number 42/
tentang Kewajiban Penyusunan dan Pelaksanaan Kebijakan POJK.03/2017 concerning the Obligation to Prepare and
Tinjauan Perkreditan Bank Bagi Bank Umum; Implement Bank Credit Policies for Commercial Banks;
Pendukung
Bisnis
4. Peraturan Otoritas Jasa Keuangan Nomor 17/POJK.03/2023 4. Regulation of the Financial Services Authority Number
tentang Penerapan Tata Kelola Bagi Bank Umum; 17/POJK.03/2023 concerning the Implementation of
TATA KELOLA Governance for Commercial Banks;
PERUSAHAAN 5. Surat Edaran Otoritas Jasa Keuangan Nomor 34/ 5. Circular Letter of the Financial Services Authority Number
SEOJK.03/2016 tanggal 01 September 2016 tentang 34/SEOJK.03/2016 dated 01 September 2016 concerning
Laporan Penerapan Manajemen Risiko Bagi Bank Umum (beserta the Implementation of Risk Management for Commercial
Keberlanjutan lampiran). Banks (including attachments).
Struktur dan Komposisi
Structure and Composition
Hak Suara
Jabatan dalam Komite Pelaksana
Voting
Positions in the Committee Manager
Rights
Ketua
(Merangkap Anggota Tetap) Direktur Utama
√
Chairman President Director
(Concurrently Permanent Member)
Sekretaris
(Merangkap Anggota Tetap, Tidak Memiliki Hak
Voting)
Risk Management Group Head X
Secretary
(Concurrently Permanent Member, No Voting
Rights)
Laporan Tahunan & Keberlanjutan
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Page 349
Hak Suara
Jabatan dalam Komite Pelaksana
Voting
Positions in the Committee Manager
Rights
1. Seluruh Direktur yang terdaftar dalam struktur organisasi Bank Sinarmas.
2. Internal Audit Group Head.
Seluruh Anggota Tetap Memiliki Hak Voting, kecuali:
1. Direktur yang membawahkan Fungsi Kepatuhan. √
2. Internal Audit Group Head.
Anggota Tetap
Permanent Member
1. All Directors registered in the organizational structure of Bank Sinarmas.
2. Internal Audit Group Head. X
All Permanent Members Have Voting Rights, except:
1. Director in charge of Compliance Function.
2. Internal Audit Group Head.
Pejabat Eksekutif operasional terkait perkreditan yang terdaftar dalam struktur
organisasi Bank Sinarmas, dengan tidak terbatas pada:
1. Micro Small & Medium Enterprise Business Group Head
2. Corporate & Commercial Banking Group Head
3. Treasury & Financial Institution Group Head
4. Payment Transaction & Consumer Loan Group Head
5. Credit Card Group Head 347
6. Indirect Channel Business and Collateral Valuation Division Head
7. Credit Management Group Head (Corporate & Commercial)
2024
8. Credit Management Group Head (MSME & Consumer)
Performance
9. Compliance Group Head
10. Credit Administration and Control Group Head Highlights
Anggota Tidak Tetap 11. Loan Recovery Group Head
(Tidak Memiliki Hak Voting) 12. Legal Group Head
X
Non-Permanent Member Operational Executive Officers related to credit registered in the organizational Management
(No Voting Rights) structure of Bank Sinarmas, without limitation: Report
1. Micro Small & Medium Enterprise Business GroupHead
2. Corporate & Commercial Banking Group Head
3. Treasury & Financial Institution Group Head Company
4. Payment Transaction & Consumer Loan GroupHead Profile
5. Credit Card Group Head
6. Indirect Channel Business and CollateralValuation Division Head
7. Credit Management Group Head (Corporate & Commercial)
8. Credit Management Group Head (MSME & Consumer) Management
9. Compliance Group Head Discussion and
10. Credit Administration and Control Group Head Analysis
11. Loan Recovery Group Head
12. Legal Group Head
Business
Support
Pernyataan Independensi Independence Statement Overview
Bank menjamin bahwa seluruh anggota Komite Kebijakan The Bank guarantees that all members of the Credit Policy
Perkreditan (KKP) bertindak secara independen dan tidak Committee (KKP) act independently and do not accept/ CORPORATE
menerima/melakukan intervensi dari/kepada pihak lainnya. conduct intervention from/to other parties. The Credit Policy GOVERNANCE
Komite Kebijakan Perkreditan (KKP) juga tidak memiliki Committee (KKP) also does not have any personal interests
kepentingan serta keterkaitan yang bersifat pribadi yang or relationships that have the potential to cause a conflict of Sustainability
berpotensi menimbulkan benturan kepentingan (conflict of interest with the Bank. Report
interest) dengan Bank.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas, Wewenang dan Tanggung Jawab Komite Kebijakan The Duties, Authorities and Responsibilities of the Credit
Perkreditan, paling sedikit mencakup : Policy Committee, at least include:
a. Memberikan masukan kepada Direksi dalam rangka a. Providing input to the Board of Directors in the
penyusunan Kebijakan Perkreditan Bank, terutama yang preparation of the Bank’s Credit Policy, especially those
berkaitan dengan perumusan prinsip kehatihatian dalam related to the formulation of the principle of prudence in
perkreditan. credit.
b. Mengawasi agar Kebijakan Perkreditan Bank dapat b. Supervising that the Bank’s Credit Policy can be
diterapkan dan dilaksanakan secara konsekuen dan implemented and executed consistently and consistently
konsisten serta merumuskan pemecahannya apabila and formulating solutions if there are obstacles/
terdapat hambatan/kendala dalam penerapannya. constraints in its implementation.
c. Melakukan kajian berkala terhadap Kebijakan c. Conducting periodic reviews of the Bank’s Credit Policy
Perkreditan Bank dan memberikan saran kepada Direksi and providing suggestions to the Board of Directors if
apabila diperlukan perubahan dan perbaikan. changes and improvements are needed.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 350
d. Memantau dan mengevaluasi perkembangan dan d. Monitoring and evaluating the development and quality
kualitas portofolio perkreditan secara keseluruhan. of the overall credit portfolio.
e. Memantau dan mengevaluasi kebenaran pelaksanaan e. Monitoring and evaluating the correctness of the
penggunaan wewenang memutus kredit. implementation of the use of the authority to decide on
credit.
f. Memantau dan mengevaluasi kebenaran proses f. Monitoring and evaluating the correctness of the process
pemberian, perkembangan, dan kualitas kredit yang of granting, development, and quality of credit given to
diberikan kepada pihak terkait dengan Bank dan parties related to the Bank and certain large debtors.
debiturdebitur besar tertentu.
g. Memantau dan mengevaluasi kebenaran pelaksanan g. Monitoring and evaluating the correctness of the
ketentuan Batas Maksimum Pemberian Kredit (BMPK). implementation of the provisions of the Maximum Credit
Limit (BMPK).
h. Memantau dan mengevaluasi ketaatan terhadap h. Monitoring and evaluating compliance with the provisions
ketentuan perundang-undangan dan peraturan lainnya of laws and other regulations in the implementation of
dalam pelaksanaan pemberian kredit. credit provision.
348 i. Memantau dan mengevaluasi penyelesaian kredit
bermasalah sesuai dengan pola yang ditetapkan dalam
i. Monitor and evaluate the settlement of problem loans in
accordance with the pattern set out in the Bank’s Credit
Ikhtisar Kinerja
Kebijakan Perkreditan Bank. Policy.
2024 j. Memantau dan mengevaluasi Upaya Bank dalam j. Monitor and evaluate the Bank’s efforts to meet the
memenuhi kecukupan jumlah penyisihan untuk adequacy of the amount of provisions for credit write-
Laporan penghapusbukuan kredit. offs.
Manajemen k. Menyampaikan laporan tertulis secara berkala minimial k. Submit written reports periodically at least once a year
1 (satu) kali dalam setahun kepada Direksi dengan to the Board of Directors with a copy to the Board of
Profil tembusan kepada Dewan Komisaris mengenai: Commissioners regarding:
Perusahaan
i. hasil pengawasan atas penerapan dan pelaksanaan i. results of supervision of the application and
Kebijakan Perkreditan. implementation of the Credit Policy.
Analisis dan
Pembahasan ii. hasil pemantauan dan evaluasi dalam butir d – j ii. results of monitoring and evaluation in points d - j
Manajemen l. Memberikan saran langkah-langkah perbaikan kepada l. Provide suggestions for corrective measures to the Board
Direksi dengan tembusan kepada Dewan Komisaris of Directors with a copy to the Board of Commissioners
Tinjauan mengenai hal-hal yang terkait dengan butir k. regarding matters related to point k.
Pendukung
Bisnis
Rapat Meetings
TATA KELOLA
PERUSAHAAN Kebijakan Policy
Rapat Komite Kebijakan Perkreditan diselenggarakan, The Credit Policy Committee convenes meetings at least
Laporan paling sedikit 2 (dua) kali dalam setahun atau semesteran twice a year, or once every semester, and may also meet
Keberlanjutan atau sesuai dengan kebutuhan Bank Sinarmas, dan dapat more frequently as required by Bank Sinarmas. These
diselenggarakan secara offline (tatap muka) dan/atau online meetings may be conducted either in person or virtually
menggunakan media aplikasi. through digital conferencing platforms.
Frekuensi dan Kehadiran Frequency and Attendance
Sepanjang tahun 2024, Komite Kebijakan Perkreditan (KKP) Throughout 2024, the Credit Policy Committee (KKP) has
telah menyelenggarakan 1 kali rapat. Rinciannya frekuensi held 1 meeting. Details of the frequency and attendance are
dan kehadiran disampaikan dalam tabel di bawah ini. presented in the table below.
Jumlah Rapat Jumlah Kehadiran
Nama Jabatan Frekuensi/Tingkat Kehadiran (%)
Number of Number of
Name Position Frequency/Attendance Rate (%)
Meetings Attendance
Ketua & Anggota Tetap Komite
Frenky Tirtowijoyo 1 1 100%
Chair & Permanent Member of the Committee
Anggota Tetap Komite
Amandalia Johanes 1 1 100%
Permanent Member of the Committee
Anggota Tetap Komite
Enny Kamal 1 1 100%
Permanent Member of the Committee
Anggota Tetap Komite
Ekajaya Ongny Putra 1 1 100%
Permanent Member of the Committee
Anggota Tetap Komite
Miko Andidjaja 1 1 100%
Permanent Member of the Committee
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 351
Jumlah Rapat Jumlah Kehadiran
Nama Jabatan Frekuensi/Tingkat Kehadiran (%)
Number of Number of
Name Position Frequency/Attendance Rate (%)
Meetings Attendance
Anggota Tetap Komite
Sendy 1 1 100%
Permanent Member of the Committee
Sekretaris & Anggota Tetap Komite
Santy Jamhari 1 1 100%
Secretary & Permanent Member of the Committee
Anggota Tetap Komite
Frieda Junia 1 1 100%
Permanent Member of the Committee
Anggota Tidak Tetap Komite
Muktiono Wibowo 1 1 100%
Non-Permanent Member of the Committee
Anggota Tidak Tetap Komite
Fathur Rosidin 1 1 100%
Non-Permanent Member of the Committee
Anggota Tidak Tetap Komite
Anup Kumar 1 1 100%
Non-Permanent Member of the Committee
Anggota Tidak Tetap Komite
Yenni 1 1 100%
Non-Permanent Member of the Committee
Wendy Wijaya
Anggota Tidak Tetap Komite
Non-Permanent Member of the Committee
1 1 100% 349
Anggota Tidak Tetap Komite
Fera Febriani 1 1 100% 2024
Non-Permanent Member of the Committee
Performance
Anggota Tidak Tetap Komite Highlights
Yohanes Hutagalung 1 1 100%
Non-Permanent Member of the Committee
Anggota Tidak Tetap Komite
Prisilia Maurin 1 1 100%
Non-Permanent Member of the Committee Management
Report
Anggota Tidak Tetap Komite
Theresia Tyas Piwi 1 1 100%
Non-Permanent Member of the Committee
Anggota Tidak Tetap Komite Company
Septiana Jelika 1 1 100%
Non-Permanent Member of the Committee Profile
Anggota Tidak Tetap Komite
Femmy 1 1 100%
Non-Permanent Member of the Committee
Management
Discussion and
Agenda Analysis
Tanggal
Agenda
Date
Business
16 Desember 2024 Persetujuan Pedoman dan Tata Tertib Kerja Komite Kredit versi 1.0 Support
December 16, 2024 Approval of the Credit Committee Guidelines and Work Rules version 1.0 Overview
Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in CORPORATE
2024 2024 GOVERNANCE
Komite Kebijakan Perkreditan (KKP) telah melakukan The Credit Policy Committee (KKP) has formulated guidelines
perumusan terkait pedoman dan tata cara kerja komite and procedures governing the operations and working Sustainability
kredit. mechanisms of the credit committee. Report
KOMITE KREDIT CREDIT COMMITTEE
Komite Kredit merupakan komite yang terdiri dari anggota The Credit Committee is a body composed of members of
Direksi Bank dan pejabat terkait yang bertanggung jawab the Bank’s Board of Directors and relevant officials, entrusted
dan berwenang untuk memutuskan jumlah eksposur Bank with the authority and responsibility to determine the Bank’s
dalam bentuk aktiva produktif sesuai dengan jumlah atau exposure to productive assets, in accordance with specified
limit tertentu yang telah ditetapkan. thresholds or limits previously established.
Untuk menjamin pemberian kredit yang objektif dan berkualitas, To ensure objectivity and quality in credit provision, every
maka pada setiap keputusan kredit didasarkan pada hasil credit decision is made collectively, based on the outcomes of
keputusan bersama, yaitu hasil keputusan Komite Kredit. deliberations and resolutions passed by the Credit Committee.
Komite Kredit di Bank, terdiri dari Komite Kredit Korporasi, The Bank’s Credit Committee comprises the Corporate Credit
Komite Kredit Retail Business, Komite Kredit Micro & Small Committee, the Retail Business Credit Committee, the Micro
Business, dan Komite Kredit Consumer Loan. Komite tersebut & Small Business Credit Committee, and the Consumer Loan
dibentuk berdasarkan keputusan Direksi dengan susunan Credit Committee. Each committee was established by a
keanggotaan mengacu pada prinsip four eyes principle. resolution of the Board of Directors, with its membership
structure designed in accordance with the four eyes principle.
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
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Pedoman Kerja Work Guidelines
Komite Kredit menjalankan tugas tanggung jawabnya The Credit Committee carries out its duties and responsibilities
dengan berpedoman pada ketentuan eksternal maupun by referring to applicable external and internal provisions,
internal yang berlaku, antara lain: including:
1. Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 1. Financial Services Authority Regulation No. 17 of 2023
tentang Penerapan Tata Kelola bagi Bank Umum; concerning the Implementation of Governance for
Commercial Banks;
2. Peraturan Otoritas Jasa Keuangan No. 42 tahun 2017 2. Financial Services Authority Regulation No. 42 of 2017
tentang Kewajiban Penyusunan dan Pelaksanaan Kebijakan concerning the Obligation to Prepare and Implement
Perkreditan atau Pembiayaan Bank bagi Bank Umum; Bank Credit or Financing Policies for Commercial Banks;
3. Surat Keputusan tentang Kebijakan Perkreditan Bank 3. Decree on Bank Credit Policy or Financing;
atau Pembiayaan;
4. Surat Keputusan tentang Standar Operasional Prosedur 4. Decree on Standard Operating Procedure (SOP) for
(SOP) Perkreditan masing-masing segmen; dan Credit for each segment; and
5. Surat Keputusan tentang Susunan dan Wewenang 5. Decree on the Composition and Decision-Making
350 Memutus untuk Komite Kredit masing-masing segmen. Authority for the Credit Committee for each segment.
Ikhtisar Kinerja
Pernyataan Independensi Independence Statement
2024 Bank menjamin bahwa seluruh anggota Komite Kredit The Bank guarantees that all members of the Credit
bertindak secara independen dan tidak menerima/ Committee act independently and do not accept/conduct
Laporan melakukan intervensi dari/kepada pihak lainnya. Komite intervention from/to other parties. The Credit Committee
Manajemen Kredit juga tidak memiliki kepentingan serta keterkaitan yang also does not have any personal interests or relationships
bersifat pribadi yang berpotensi menimbulkan benturan that have the potential to cause a conflict of interest with the
Profil kepentingan (conflict of interest) dengan Bank. Bank.
Perusahaan
Analisis dan
Tugas dan Tanggung Jawab Duties and Responsibilities
Pembahasan Tugas dan tanggung jawab Komite Kredit, meliputi: The duties and responsibilities of the Credit Committee include:
Manajemen 1. Memberikan persetujuan atau penolakan kredit 1. Approving or rejecting credit in accordance with the
sesuai dengan batas wewenang atau jenis kredit yang authority limits or types of credit set by the Board of
Tinjauan ditetapkan oleh Direksi; Directors;
Pendukung
Bisnis
2. Melakukan koordinasi dengan Assets and Liabilities 2. Coordinating with the Assets and Liabilities Committee
Committee (ALCO) dalam aspek pendanaan kredit; (ALCO) in the aspect of credit funding;
TATA KELOLA 3. Melaksanakan tugas terutama dalam pemberian 3. Perform duties, particularly in granting credit approval,
PERUSAHAAN persetujuan kredit berdasarkan kompetensinya secara based on their competence with honesty, objectivity,
jujur, objektif, cermat, serta seksama; dan prudence, and due diligence; and
Laporan 4. Menolak permintaan dan/atau pengaruh pihak yang 4. Reject any requests and/or influence from parties with an
Keberlanjutan berkepentingan dengan pemohon kredit untuk interest in the credit applicant that aim to secure credit
memberikan persetujuan kredit yang hanya bersifat approval merely as a formality..
formalitas.
KOMITE INFORMATION TECHNOLOGY INFORMATION TECHNOLOGY COMMITTEE
Komite Information Technology (IT) merupakan komite di The Information Technology (IT) Committee is a committee
tingkat eksekutif yang memberikan rekomendasi terkait at the executive level that provides recommendations
penetapan rencana strategis terkait pelaksanaan sistem regarding the determination of strategic plans related to
teknologi informasi. Komite ini dibentuk untuk meningkatkan the implementation of information technology systems. This
daya saing Bank dalam hal pemanfaatan teknologi informasi committee was formed to increase the Bank’s competitiveness
yang tepat guna. in terms of the appropriate use of information technology.
Pedoman Kerja Work Guidelines
Komite IT menjalankan tugas tanggung jawabnya dengan The IT Committee carries out its duties and responsibilities
berpedoman pada SK.013/2024/DIR4-IT tanggal 1 April 2024 based on SK.013/2024/DIR4-IT dated April 1, 2024 concerning
tentang Information Technology Steering Committee Charter. the Information Technology Steering Committee Charter.
Laporan Tahunan & Keberlanjutan
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Page 353
Struktur dan Komposisi Structure and Composition
Struktur dan komposisi Komite IT berdasarkan SK.013/2024/ The structure and composition of the IT Committee based
DIR4-IT tanggal 1 April 2024 tentang Information Technology on SK.013/2024/DIR4-IT dated April 1, 2024 concerning the
Steering Committee Charter, diungkapkan sebagai berikut. Information Technology Steering Committee Charter, are
disclosed as follows.
Jabatan dalam Komite Pelaksana Hak Suara
Positions in the Committee Manager Voting Rights
Ketua Direktur Utama
√
Chairman President Director
Wakil Ketua Direktur yang membidangi Information Technology & Digital Experience
√
Vice Chairman Director in charge of Information Technology & Digital Experience
Pejabat tertinggi yang membidangi IT Governance, Strategy, Architecture, Planning & Information
Sekretaris
Security √
Secretary
Highest official in charge of IT Governance, Strategy, Architecture, Planning & Information Security
Direktur yang membidangi Risk Management
√
Anggota
Member
Director in charge of Risk Management
Pejabat tertinggi yang membidangi Finance & Performance Management
351
√
The highest official in charge of Finance & Performance Management
2024
Performance
Pernyataan Independensi Independence Statement Highlights
Bank menjamin bahwa seluruh anggota Komite IT bertindak The Bank ensures that all members of the IT Committee
secara independen dan tidak menerima/melakukan perform their duties independently and are free from any form Management
intervensi dari/kepada pihak lainnya. Komite IT juga tidak of intervention from or toward other parties. Furthermore, Report
memiliki kepentingan serta keterkaitan yang bersifat pribadi the IT Committee maintains objectivity by not having any
yang berpotensi menimbulkan benturan kepentingan personal interests or affiliations that could potentially lead to Company
(conflict of interest) dengan Bank. a conflict of interest with the Bank. Profile
Tugas dan Tanggung Jawab Duties and Responsibilities Management
Komite IT memiliki wewenang dan tanggung jawab untuk The IT Committee has the authority and responsibility to Discussion and
memberikan rekomendasi kepada Direksi meliputi namun provide recommendations to the Board of Directors including Analysis
tidak terbatas pada: but not limited to:
1. Rencana strategis TI yang sejalan dengan rencana 1. IT strategic plan that is in line with the Bank’s corporate Business
korporasi Bank; plan; Support
2. Kebijakan, Standar, dan Prosedur TI; 2. IT Policies, Standards, and Procedures; Overview
3. Kesesuaian antara rencana pengembangan TI dan 3. Conformity between the IT development plan and the IT
rencana strategis TI; strategic plan; CORPORATE
4. Kesesuaian antara pelaksanaan pengembangan TI dan 4. Conformity between the implementation of IT GOVERNANCE
rencana pengembangan TI; development and the IT development plan;
5. Evaluasi atas efektivitas biaya TI terhadap pencapaian 5. Evaluation of the effectiveness of IT costs against Sustainability
manfaat yang direncanakan; achieving planned benefits; Report
6. Pemantauan atas kinerja TI dan upaya peningkatan 6. Monitoring of IT performance and efforts to improve IT
kinerja TI; performance;
7. Upaya penyelesaian berbagai masalah terkait TI yang 7. Efforts to resolve various IT-related problems that cannot
tidak dapat diselesaikan oleh satuan kerja pengguna dan be resolved by the IT user and IT organizer work units
penyelenggara TI secara efektif, efisien, dan tepat waktu; effectively, efficiently, and on time;
8. Kecukupan dan alokasi sumber daya terkait TI yang 8. Adequacy and allocation of IT-related resources owned
dimiliki Bank; by the Bank;
9. Mengkaji technology threshold untuk permintaan produk 9. Reviewing the technology threshold for requests for new
atau teknologi baru. Yaitu bahwa produk atau teknologi products or technologies. Namely that the requested
yang diminta akan menghasilkan biaya pengembangan dan product or technology will result in lower development
operasional yang lebih rendah dibandingkan dengan biaya riil, and operational costs compared to the real costs, risk
biaya risiko, dan/atau biaya kesempatan (opportunity cost) atas costs, and/or opportunity costs of manual solutions or
solusi manual atau tanpa produk atau teknologi yang diminta; without the requested product or technology;
10. Mengkaji business case untuk produk-produk baru, 10. Reviewing the business case for new products, the
kebutuhan kapabilitas yang diperlukan, serta memberikan required capability requirements, and providing approval
persetujuan atau melakukan penyesuaian yang diperlukan; or making necessary adjustments;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 354
11. Mengkaji arsitektur perusahaan (enterprise architecture) 11. Reviewing the enterprise architecture and technology
dan rencana pengembangan produk teknologi product roadmap;
(technology product roadmap);
12. Kesesuaian antara TI dengan kebutuhan sistem informasi 12. The suitability of IT with the needs of the management
manajemen serta kebutuhan kegiatan usaha Bank; dan information system and the needs of the Bank’s business
13. Efektivitas langkah-langkah dalam meminimalisasi activities; and
risiko atas investasi Bank pada sektor TI agar investasi 13. The effectiveness of steps in minimizing the risk of the Bank’s
Bank pada sektor TI memberikan kontribusi terhadap investment in the IT sector so that the Bank’s investment in the
pencapaian tujuan bisnis Bank. IT sector contributes to achieving the Bank’s business goals.
Rapat Meeting
Kebijakan Policy
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 In accordance with the provisions of the Financial Services
tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum, Authority Regulation No. 17 of 2023 concerning the
352 Rapat Komite IT diselenggarakan sesuai dengan kebutuhan
Bank.
Implementation of Governance for Commercial Banks, IT
Committee Meetings are held according to the Bank’s needs.
Ikhtisar Kinerja
2024 Frekuensi dan Kehadiran Frequency and Attendance
Sepanjang tahun 2024, komite ini menyelenggarakan 10 kali Throughout 2024, the committee held 10 meetings, with the
Laporan rapat, dengan agenda sebagai berikut. following agenda.
Manajemen
Jumlah Rapat Jumlah Kehadiran
Profil Jabatan Frekuensi/Tingkat Kehadiran (%)
Number of Number of
Perusahaan Position Frequency/Attendance Rate (%)
Meetings Attendance
Direktur Utama 10 9 90
Analisis dan President Director
Pembahasan
Direktur yang membidangi Information Technology & Digital 10 10 100
Manajemen
Experience
Director in charge of Information Technology & Digital Experience
Tinjauan Pejabat tertinggi yang membidangi IT Governance, Strategy, 10 10 100
Pendukung Architecture, Planning & Information Security
Bisnis Highest official in charge of IT Governance, Strategy, Architecture,
Planning & Information Security
TATA KELOLA Direktur yang membidangi Risk Management 10 10 100
PERUSAHAAN Director in charge of Risk Management
Pejabat tertinggi yang membidangi Finance & Performance 10 4 40
Laporan Management
Keberlanjutan Highest official in charge of Finance & Performance Management
Agenda
Tanggal
Agenda
Date
1) Faktor Risiko Fundamental IT Bank Sinarmas Rencana Mitigasinya
2) Rencana & Pemenuhan Kebutuhan SDM IT
3) Pelatihan Karyawan IT Group
22 Februari 2024 4) Tindak Lanjut Temuan OJK bidang IT
February 22, 2024 1) Bank Sinarmas IT Fundamental Risk Factors Mitigation Plan
2) IT HR Needs Plan & Fulfillment
3) IT Group Employee Training
4) Follow-up on OJK Findings in the IT Sector
30 Mei 2024
Product Workshop 2024
May 30, 2024
27 Juni 2024
Update Project IT – Product Workshop Mid 2024
June 27, 2024
15 Agustus 2024
IT Project Update
August 15, 2024
19 September 2024
IT Project Update
September 19, 2024
31 Oktober 2024
IT Project Update
October 31, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 355
Tanggal
Agenda
Date
5 November 2024 (1) Product Workshop & Prioritisasi Inisiatif 2025
November 5, 2024 (1) Product Workshop & Prioritization of Initiatives 2025
5 November 2024 (2) Product Workshop & Prioritisasi Inisiatif 2025
November 5, 2024 (2) Product Workshop & Prioritization of Initiatives 2025
6 November 2024 Product Workshop & Prioritisasi Inisiatif 2025
November 6, 2024 Product Workshop & Prioritization of Initiatives 2025
19 Desember 2024 Prioritisasi Inisiatif 2025
December 19, 2024 Prioritization of Initiatives 2025
Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
2024 2024
Sepanjang tahun 2024, Komite IT Bank Sinarmas telah Throughout 2024, the IT Committee of Bank Sinarmas carried
melaksanakan tugas dan tanggung jawabnya sesuai dengan out its duties and responsibilities in accordance with Financial
POJK No.11/POJK.03/2022 tentang Penyelenggaraan Services Authority Regulation (POJK) No. 11/POJK.03/2022
Teknologi Informasi oleh Bank Umum dan SK.013/2024/
DIR4-IT tanggal 1 April 2024 tentang Information Technology
concerning the Implementation of Information Technology
by Commercial Banks, and Decree No. SK.013/2024/DIR4-
353
Steering Committee Charter. IT dated April 1, 2024, regarding the Information Technology
2024
Steering Committee Charter. Performance
Highlights
KOMITE MANAJEMEN RISIKO TERINTEGRASI INTEGRATED RISK MANAGEMENT COMMITTEE
Konglomerasi keuangan adalah Lembaga Jasa Keuangan (LJK) A financial conglomerate refers to a group of Financial Management
yang berada dalam satu grup atau kelompok karena adanya Services Institutions (Lembaga Jasa Keuangan/LJK) that are Report
keterkaitan kepemilikan dan/atau pengendalian. Konglomerasi affiliated through ownership and/or control. This group is
keuangan dikepalai oleh Entitas Utama (EU) yang merupakan led by a Main Entity, which is the designated parent financial Company
LJK induk Konglomerasi Keuangan yang ditunjuk oleh institution within the financial conglomerate, appointed by Profile
Pemegang Saham pengendali Konglomerasi Keuangan. the conglomerate’s controlling shareholder.
Management
Bank Sinarmas selaku Entitas Utama dalam Konglomerasi As the Main Entity within the Sinar Mas Financial Conglomerate, Discussion and
Keuangan Sinar Mas melakukan penerapan manajemen Bank Sinarmas implements integrated risk management Analysis
risiko terintegrasi secara komprehensif dan efektif yang in a comprehensive and effective manner, adjusted to the
disesuaikan dengan karakteristik dan kompleksitas usaha. characteristics and complexity of its business activities. Business
Support
Entitas Utama telah menetapkan tujuan, ruang lingkup, The Financial Conglomerate’s objectives, scope, and Overview
struktur Konglomerasi Keuangan dan membentuk Komite structure have been defined by the Main Entity. The Integrated
Manajemen Risiko Terintegrasi yang beranggotakan Direktur Risk Management Committee is chaired by the Director of CORPORATE
Entitas Utama yang membawahkan fungsi Manajemen Risiko the Main Entity, who also serves on the committee. Other GOVERNANCE
sebagai ketua merangkap anggota Komite Manajemen members include directors representing or appointed from
Risiko Terintegrasi, Direktur yang mewakili atau ditunjuk dari other financial institutions within the conglomerate, as well Sustainability
LJK Konglomerasi Keuangan, dan Pejabat Eksekutif sebagai as executive officers, who serve as permanent members, Report
anggota tetap dan dapat ditambah dengan keanggotaan yang with additional non-permanent members added as needed
bersifat tidak tetap sesuai kebutuhan dalam Lembaga Jasa based on the Sinar Mas Financial Conglomerate structure.
Keuangan Konglomerasi Keuangan Sinar Mas dengan tugas This committee’s duties and responsibilities are consistent
dan tanggung jawab dalam penerapan Tata Kelola Terintegrasi with the implementation of Integrated Governance, but
disesuaikan dengan karakteristik dan kompleksitas usaha have been tailored to the Financial Conglomerate’s specific
serta risiko yang melekat pada Konglomerasi Keuangan. Hasil characteristics, business complexity, and inherent risks.
rapat Komite Manajemen Risiko Terintegrasi dituangkan dalam All meeting outcomes are documented in formal meeting
risalah rapat dan didokumentasikan dengan baik. minutes and archived appropriately.
Pedoman Kerja Working Guidelines
Komite Manajemen Risiko Terintegrasi menjalankan tugas The Integrated Risk Management Committee performs its
tanggung jawabnya dengan berpedoman pada Peraturan duties and responsibilities based on the Financial Services
Otoritas Jasa Keuangan No. 17/POJK.03/2017 tentang Authority Regulation No. 17/POJK.03/2017 concerning
Penerapan Manajemen Risiko Terintegrasi bagi Konglomerasi Integrated Risk Management Implementation for Financial
Keuangan dan Surat Keputusan No. 023/2023/DIRUT-EU Conglomerates, and Decree No. 023/2023/DIRUT-EU
tentang Pedoman Tata Tertib Komite Manajemen Risiko regarding the Guidelines and Rules of Procedure for the
Terintegrasi. Integrated Risk Management Committee.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 356
Struktur dan Komposisi Structure and Composition
Struktur dan komposisi Komite Manajemen Risiko Terintegrasi The structure and composition of the Integrated Risk
berdasarkan Surat Keputusan No. 023/2023/DIRUT-EU Management Committee are outlined in Decree No.
tentang Pedoman dan Tata Tertib Kerja Komite Manajemen 023/2023/DIRUT-EU concerning the Guidelines and Rules of
Risiko Terintegrasi, diungkapkan sebagai berikut. Procedure for the Integrated Risk Management Committee.
Hak Suara
Jabatan dalam Komite Pelaksana
Voting
Positions in the Committee Manager
Rights
Ketua (Anggota Tetap)
Direktur Entitas Utama yang membawahi manajemen risiko terintegrasi (PT. Bank Sinarmas Tbk.)
Chairman √
Director of the Main Entity in charge of integrated risk management (PT. Bank Sinarmas Tbk.)
(Permanent Member)
Sekretaris Komite
(Anggota Tetap)
Risk Management Group Head √
Committee Secretary
(Permanent Member)
Direktur Utama Entitas Utama
354 Anggota Tetap
President Director of the Main Entity
√
Seluruh Direktur Lembaga Jasa Keuangan Konglomerasi Keuangan Sinar Mas yang membawahi
Permanent Member Fungsi Manajemen Risiko dan/atau Direktur yang ditunjuk oleh Lembaga Jasa Keuangan.
Ikhtisar Kinerja √
All Directors of Financial Services Institutions of the Sinar Mas Financial Conglomerate in charge of
2024
the Risk Management Function and/or Directors appointed by the Financial Services Institution.
Kepala Satuan Kerja Kepatuhan Entitas Utama
Laporan x
Head of Compliance Work Unit of the Main Entity
Manajemen
Kepala Satuan Kerja Audit Internal Entitas Utama
Anggota Tidak Tetap x
Head of Internal Audit Work Unit of the Main Entity
Profil Non-Permanent Member
Perusahaan Satuan Kerja yang melaksanakan Fungsi Manajemen Risiko pada masing-masing LJK dalam
Konglomerasi Keuangan Sinar Mas x
Work Units that carry out the Risk Management Function in each LJK in the Sinar Mas Financial Conglomerate
Analisis dan
Pembahasan
Manajemen Tugas dan Tanggung Jawab Duties and Responsibilities
Komite Manajemen Risiko Terintegrasi memiliki wewenang The Integrated Risk Management Committee has the
Tinjauan dan tanggung jawab untuk memberikan rekomendasi authority and responsibility to provide recommendations to
Pendukung
Bisnis
kepada Direksi Entitas Utama, berupa: the Board of Directors of the Main Entity, in the form of:
1. Penyusunan dan perbaikan Kebijakan Manajemen 1. Preparation and improvement of the Integrated Risk
TATA KELOLA Risiko Terintegrasi berupa penyempurnaan strategi dan Management Policy in the form of improving the Risk
PERUSAHAAN kerangka Risiko berdasarkan hasil evaluasi pelaksanaan strategy and framework based on the results of the
termasuk tingkat risiko yang diambil serta toleransi risiko implementation evaluation including the level of risk
Laporan yang dapat di terima. taken and acceptable risk tolerance.
Keberlanjutan 2. Merekomendasikan Laporan yang dipantau seperti Profil 2. Recommend monitored Reports such as the Financial
Risiko Konglomerasi Keuangan, Laporan Kewajiban Conglomerate Risk Profile, the Financial Conglomerate
Penyediaan Modal Minimun Terintegrasi Konglomerasi Integrated Minimum Capital Requirement Report, the
Keuangan, Laporan Transaksi Intragrup dan Laporan Stress Intragroup Transaction Report and the Stress Test Report,
Test yang wajib disampaikan secara berkala kepada regulator. which must be submitted periodically to the regulator.
Rapat Meetings
Kebijakan Policy
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. In accordance with the provisions of the Financial Services
17 tahun 2023 tentang Penerapan Tata Kelola bagi Bank Authority Regulation No. 17 of 2023 concerning the
Umum, Rapat Komite Manajemen Risiko Terintegrasi Implementation of Governance for Commercial Banks,
diselenggarakan sesuai dengan kebutuhan Bank. the Integrated Risk Management Committee Meeting
Konglomerasi Keuangan Sinarmas menentukan rapat Komite is held according to the Bank’s needs. The Sinarmas
Manajemen Risiko Terintegrasi diselenggarakan minimal 2 Financial Conglomerate determines that the Integrated Risk
(dua) kali dalam satu tahun dan dapat dilaksanakan lebih jika Management Committee meeting is held at least 2 (two)
dirasa perlu sebagai bagian dari fungsi pemantauan. Hasil times a year and can be held more if deemed necessary as
rapat Komite Manajemen Risiko Terintegrasi dituangkan part of the monitoring function. The results of the Integrated
dalam risalah rapat dan didokumentasikan dengan baik. Risk Management Committee meeting are stated in the
minutes of the meeting and are well documented.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 357
Frekuensi dan Kehadiran Frequency and Attendance
Sepanjang tahun 2024, komite telah menyelenggarakan 5 Throughout 2024, the committee has held 5 (five) meetings,
(lima) kali rapat, dengan agenda sebagai berikut. with the following agenda.
Jumlah Rapat Jumlah Kehadiran
Jabatan Frekuensi/Tingkat Kehadiran (%)
Number of Number of
Position Frequency/Attendance Rate (%)
Meetings Attendance
Direktur Entitas Utama yang membawahi manajemen risiko terintegrasi
(PT. Bank Sinarmas Tbk.)
5 5 100
Main Entity Director in charge of integrated risk management (PT. Bank
Sinarmas Tbk.)
Satuan Kerja Manajemen Risiko Entitas Utama
5 5 100
Main Entity Risk Management Work Unit
Direktur Utama Entitas Utama
5 3 60
Main Entity President Director
Seluruh Direktur Lembaga Jasa Keuangan Konglomerasi Keuangan
Sinar Mas yang membawahi Fungsi Manajemen Risiko dan/atau
Direktur yang ditunjuk oleh Lembaga Jasa Keuangan.
All Directors of Financial Services Institutions of Sinar Mas Financial
5 5 100 355
Conglomerate in charge of Risk Management Function and/or
Directors appointed by Financial Services Institutions.
2024
Kepala Satuan Kerja Kepatuhan Entitas Utama Performance
5 4 80
Head of Compliance Work Unit of Main Entity Highlights
Kepala Satuan Kerja Audit Internal Entitas Utama
5 5 100
Head of Internal Audit Work Unit of Main Entity
Management
Satuan Kerja yang melaksanakan Fungsi Manajemen Risiko pada Report
masing-masing LJK dalam Konglomerasi Keuangan Sinar Mas
5 5 100
Work Units that carry out Risk Management Functions in each LJK in
Sinar Mas Financial Conglomerate
Company
Profile
Agenda
Tanggal Management
Agenda
Date
Discussion and
1. Self Assessment - Laporan Profil Risiko Terintegrasi posisi Semester I - Juni 2023 dan Proyeksi untuk Semester II - Desember Analysis
2023.
2. Penyempurnaan Manajemen Risiko Terintegrasi Tahun 2023 yang telah dan/atau akan dilakukan di tahun 2024.
3. Rencana pertumbuhan kredit/pembiayaan. Business
4. Perbaikan kualitas kredit Entitas Utama. Support
5. Konsentrasi investasi (pihak terafiliasi/BUMN/perusahaan dengan kinerja negatif) dan dampak kinerja surat berharga/investasi Overview
terhadap rentabilitas.
6. Penyelesaian permasalahan Batas Maksimum Pemberian Pembiayaan (BMPP) dan batas maksimum investasi.
29 Januari 2024
7. Sinergi Bisnis Anggota Konglomerasi Keuangan Sinar Mas.
January 29, 2024 CORPORATE
1. Self Assessment - Integrated Risk Profile Report for Semester I - June 2023 and Projection for Semester II - December 2023.
2. Improvement of Integrated Risk Management in 2023 that has been and/or will be carried out in 2024. GOVERNANCE
3. Credit/financing growth plan.
4. Improvement of Main Entity credit quality.
5. Investment concentration (affiliated parties/BUMN/companies with negative performance) and the impact of securities/ Sustainability
investment performance on profitability. Report
6. Resolution of the Maximum Financing Limit (BMPP) and maximum investment limit issues.
7. Business Synergy of Sinar Mas Financial Conglomerate Members.
1. Pelaporan Konglomerasi Keuangan baru – Perubahan atau Penambahan anggota Konglomerasi Keuangan.
2. Kaji ulang Metodologi Pengukuran Penilaian Laporan Tingkat Kesehatan Terintegrasi Konglomerasi Keuangan Sinar Mas.
3. Rekomendasi Bobot Risiko Laporan Tingkat Kesehatan Terintegrasi Per aspek Penilaian & Per Bidang Usaha tahun 2024.
4. Rekomendasi Bobot Risiko Laporan Profil Risiko per Jenis Risiko
5. Hasil Simulasi Laporan Tingkat Kesehatan Terintegrasi Konglomerasi Keuangan Sinar Mas dengan Proposal Bobot Risiko.
6. Hasil Simulasi Laporan Profil Risiko Terintegrasi Konglomerasi Keuangan Sinar Mas dengan Proposal Bobot Risiko.
3 April 2024 7. Pemenuhan Permintaan Data LJK KK Sinar Mas (Profil Risiko, Rentabilitas, Permodalan & Ad Hoc).
April 3, 2024 1. Reporting of new Financial Conglomerates - Changes or Additions to Financial Conglomerate members.
2. Review of the Integrated Health Level Report Assessment Measurement Methodology of Sinar Mas Financial Conglomerate.
3. Risk Weight Recommendation for Integrated Health Level Report Per Assessment Aspect & Per Business Field in 2024.
4. Risk Weight Recommendation for Risk Profile Report per Risk Type
5. Simulation Results of Integrated Health Level Report of Sinar Mas Financial Conglomerate with Risk Weight Proposal.
6. Simulation Results of Integrated Risk Profile Report of Sinar Mas Financial Conglomerate with Risk Weight Proposal.
7. Fulfillment of Data Request for LJK KK Sinar Mas (Risk Profile, Profitability, Capital & Ad Hoc).
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 358
Tanggal
Agenda
Date
1. Rekomendasi Risk Appetite dan/atau Risk Tolerance Konglomerasi Keuangan Sinar Mas.
1.1. Dasar Penetapan Risk Appetite dan/atau Risk Tolerance Konglomerasi Keuangan Sinar Mas.
1.2. Metodologi Risk Appetite dan/atau Risk Tolerance Konglomerasi Keuangan Sinar Mas.
1.3. Risk Appetite dan/atau Risk Tolerance Per Jenis Risiko Konglomerasi Keuangan Sinar Mas.
2. Rekomendasi Ketentuan Pengambilan Tindakan Saat Pelampauan Risk Appetite dan/atau Risk Tolerance Konglomerasi
Keuangan Sinar Mas.
3. Realisasi Rencana Kerja Satuan Kerja Manajemen Risiko Terintegrasi 2023.
17 Mei 2024 4. Rencana Kerja Satuan Kerja Manajemen Risiko Terintegrasi 2024.
May 17, 2024 1. Recommendations on Risk Appetite and/or Risk Tolerance of Sinar Mas Financial Conglomerate.
1.1. Basis for Determining Risk Appetite and/or Risk Tolerance of Sinar Mas Financial Conglomerate.
1.2. Methodology for Risk Appetite and/or Risk Tolerance of Sinar Mas Financial Conglomerate.
1.3. Risk Appetite and/or Risk Tolerance Per Type of Risk of Sinar Mas Financial Conglomerate.
2. Recommendations on Provisions for Taking Action When Risk Appetite and/or Risk Tolerance of Sinar Mas Financial
Conglomerate is Exceeded.
3. Realization of the Integrated Risk Management Work Unit Work Plan 2023.
4. Integrated Risk Management Work Unit Work Plan 2024.
1. Rekomendasi Kaji Ulang untuk Parameter, Rentang Risiko, Bobot Risiko Laporan Profil Risiko Terintegrasi Tahun 2024.
2 Juli 2024 2. Simulasi Peringkat Profil Risiko Terintegrasi Posisi 31 Desember 2023.
July 2, 2024 1. Review Recommendations for Parameters, Risk Range, Risk Weight of Integrated Risk Profile Report 2024.
356 2. Integrated Risk Profile Rating Simulation Position 31 December 2023.
1. Performance Konglomerasi Keuangan Sinar Mas Semester I – 2024.
Ikhtisar Kinerja 2. Rekomendasi Laporan Profil Risiko Terintegrasi Posisi Semester I – 2024.
2024 3. Rekomendasi Laporan Kewajiban Penyediaan Modal Minimum (KPMM) Terintegrasi Posisi Semester I – 2024.
4. Rekomendasi Laporan Stress Testing Terintegrasi KK Sinar Mas Semester I - 2024 .
5. Tindak Lanjut Pemantauan Dan Langkah Perbaikan mengacu pada Surat OJK S-12/PB.11/2024 tertanggal 02 Mei 2024.
Laporan 13 Agustus 2024 6. Pemantauan Risk Appetite dan Risk Tolerance Semester I – 2024.
Manajemen August 13, 2024 1. Sinar Mas Financial Conglomerate Performance Semester I – 2024.
2. Recommendations for Integrated Risk Profile Report Position Semester I – 2024.
3. Recommendations for Integrated Capital Adequacy Ratio (KPMM) Report Position Semester I – 2024.
Profil 4. Recommendations for Integrated Stress Testing Report of Sinar Mas KK Semester I - 2024.
Perusahaan 5. Follow-up Monitoring and Corrective Steps referring to OJK Letter S-12/PB.11/2024 dated May 2, 2024.
6. Monitoring of Risk Appetite and Risk Tolerance Semester I – 2024.
Analisis dan
Pembahasan
Manajemen Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
2024 2024
Tinjauan Sepanjang tahun 2024, Komite Manajemen Risiko Throughout 2024, the Integrated Risk Management
Pendukung
Bisnis
Terintegrasi Bank Sinarmas telah melaksanakan tugas dan Committee of Bank Sinarmas has carried out the following
tanggung jawab sebagai berikut. duties and responsibilities.
TATA KELOLA 1. Monitoring Penyempurnaan Manajemen Risiko 1. Monitoring the Improvement of Integrated Risk
PERUSAHAAN Terintegrasi Tahun 2023 yang telah dan/atau akan Management in 2023 that has been and/or will be
dilakukan di tahun 2024. carried out in 2024.
Laporan 2. Monitoring rencana pertumbuhan kredit dan pembiayaan 2. Monitoring the credit and financing growth plan during
Keberlanjutan selama tahun 2024. 2024.
3. Monitoring perbaikan kualitas kredit Lembaga Jasa 3. Monitoring the improvement of the credit quality of Bank
Keuangan Bank dan pembiayaan. Financial Services Institutions and financing.
4. Monitoring konsentrasi investasi pada pihak terafiliasi, 4. Monitoring the concentration of investment in affiliated
BUMN dan perusahaan yang memiliki kinerja negatif dan parties, BUMN and companies that have negative
dampak kinerja surat berharga/investasi yang dimiliki performance and the impact of the performance
oleh Konglomerasi Keuangan terhadap rentabilitas. of securities/investments owned by the Financial
Conglomerate on profitability.
5. Monitoring Batas Maksimum Pemberian Pembiayaan 5. Monitoring the Maximum Financing Limit (BMPP),
(BMPP), Batas Maksimum Pemberian Kredit (BMPK), Maximum Credit Limit (BMPK), Maximum Fund Provision
Batas Maksimum Penyediaan Dana (BMPD) dan Batas Limit (BMPD) and Maximum Investment Limit (BMI).
Maksimum Investasi (BMI).
6. Monitoring Sinergi Bisnis Anggota Konglomerasi 6. Monitoring the Business Synergy of Members of the
Keuangan Sinar Mas. Sinar Mas Financial Conglomerate.
7. Monitoring Perubahan berupa Penambahan dan 7. Monitoring Changes in the form of Additions and
pengurangan anggota Konglomerasi Keuangan. Reductions of Members of the Financial Conglomerate.
8. Merekomendasikan Metodologi Pengukuran Penilaian 8. Recommend the Measurement Methodology for the
Laporan Tingkat Kesehatan Terintegrasi Konglomerasi Integrated Health Level Report Assessment of the Sinar
Keuangan Sinar Mas baik dari penilaian per bidang usaha Mas Financial Conglomerate, both from the assessment per
maupun per jenis risiko untuk digunakan di tahun 2024. business sector and per type of risk to be used in 2024.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 359
9. Monitoring Simulasi Laporan Tingkat Kesehatan Terintegrasi 9. Monitoring the Simulation of the Integrated Health Level
Konglomerasi Keuangan Sinar Mas tahun 2023. Report of the Sinar Mas Financial Conglomerate in 2023.
10. Merekomendasikan metodologi dan parameter Risk 10. Recommend the methodology and parameters of the
Appetite dan/atau Risk Tolerance Konglomerasi Risk Appetite and/or Risk Tolerance of the Sinar Mas
Keuangan Sinar Mas tahun 2024. Financial Conglomerate in 2024.
11. Mengetahui Rencana Kerja Satuan Kerja Manajemen 11. Knowing the Work Plan of the Integrated Risk
Risiko Terintegrasi 2023. Management Work Unit 2023.
12. Merekomendasikan Rencana Kerja Satuan Kerja 12. Recommend the Work Plan of the Integrated Risk
Manajemen Risiko Terintegrasi 2024. Management Work Unit 2024.
13. Merekomendasikan Kaji Ulang untuk Parameter, Rentang 13. Recommend a Review of the Parameters, Risk Range,
Risiko, Bobot Risiko Laporan Profil Risiko Terintegrasi Risk Weight of the Integrated Risk Profile Report in 2024.
Tahun 2024.
14. Monitoring Performance Konglomerasi Keuangan 14. Monitoring the Performance of the Sinar Mas Financial
Sinar Mas Semester II – 2023 dan Semester I – Conglomerate Semester II - 2023 and Semester I - 2024
2024 diantaranya total aset, modal, dan laba serta including total assets, capital, and profit as well as awards
penghargaan yang diterima.
15. Merekomendasikan Laporan Profil Risiko Terintegrasi
received.
15. Recommend the Integrated Risk Profile Report for
357
Posisi Semester II – 2023 dan Semester I – 2024. Semester II – 2023 and Semester I – 2024.
2024
16. Merekomendasikan Laporan Kewajiban Penyediaan 16. Recommend the Integrated Minimum Capital Adequacy Performance
Modal Minimum (KPMM) Terintegrasi Posisi Semester II – Requirement (KPMM) Report for Semester II – 2023 and Highlights
2023 dan Semester I – 2024. Semester I – 2024.
17. Merekomendasikan Laporan Stress Testing Terintegrasi 17. Recommend the Integrated Stress Testing Report for KK Management
KK Sinar Mas Semester II – 2023 dan Semester I – 2024 Sinar Mas Semester II – 2023 and Semester I – 2024 Report
18. Monitoring Tindak Lanjut Pemantauan Dan Langkah 18. Monitoring Follow-up Monitoring and Corrective Steps
Perbaikan mengacu pada Surat OJK S-12/PB.11/2024 referring to OJK Letter S-12/PB.11/2024 dated May 02, 2024. Company
tertanggal 02 Mei 2024. Profile
19. Monitoring Risk Appetite dan Risk Tolerance Semester 19. Monitoring Risk Appetite and Risk Tolerance for Semester
I – 2024 dan Semester II - 2024. I – 2024 and Semester II - 2024.
Management
Discussion and
ASSET & LIABILITY COMMITTEE (ALCO) ASSET & LIABILITY COMMITTEE (ALCO) Analysis
ALCO merupakan komite di tingkat eksekutif yang membantu ALCO is a committee at the executive level that assists in
efektivitas pelaksanaan tugas dan tanggung jawab Direksi terkait the effective implementation of the Board of Directors’ duties Business
pengelolaan aset dan liabilitas secara berkesinambungan. and responsibilities related to the management of assets Support
Tujuannya adalah untuk mencapai keuntungan yang optimal and liabilities on an ongoing basis. The goal is to achieve Overview
dengan meminimalkan risiko yang muncul. optimal profits by minimizing emerging risks.
CORPORATE
ALCO bertanggung jawab dalam menetapkan dan ALCO is responsible for determining and evaluating liquidity GOVERNANCE
mengevaluasi kebijakan dan strategi pengelolaan likuiditas management policies and strategies to maintain liquidity,
untuk menjaga likuiditas, memenuhi likuiditas Bank dan meet the Bank’s liquidity and minimize idle funds. The Sustainability
meminimalisasi idle funds. Pembentukan ALCO bertujuan establishment of ALCO aims to achieve the Bank’s optimum Report
untuk mencapai tingkat profitabilitas Bank secara optimum level of profitability while still complying with applicable
dengan tetap memenuhi ketentuan yang berlaku. provisions.
Pedoman Kerja Work Guidelines
ALCO menjalankan tugas tanggung jawabnya dengan ALCO carries out its duties and responsibilities by referring
berpedoman pada Surat Edaran No. SE.002/2023/DIR6- to Circular Letter No. SE.002/2023/DIR6-TRS concerning the
TRS tentang Asset & Liability Management (ALMA) Working Asset & Liability Management (ALMA) Working Group and
Group dan Asset & Liability Committee (ALCO). the Asset & Liability Committee (ALCO).
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 360
Struktur dan Komposisi Structure and Composition
Struktur dan komposisi ALMA & ALCO berdasarkan Surat The structure and composition of ALMA & ALCO based on
Keputusan No. SK.039/2024/DIR6-TRS diungkapkan Decree No. SK.039/2024/DIR6-TRS are disclosed as follows.
sebagai berikut.
Jabatan dalam Komite Pelaksana Hak Suara
Positions in the Committee Manager Voting Rights
Ketua
√
Chairman President Director
Lending & Wholesale Banking Director √
Retail Banking Director √
Anggota dengan Hak Suara
Operations & Consumer Business Director √
Members with voting rights
Information Technology & Digital Experience Director √
Compliance & Risk Management Director x
358 Treasury & Financial Institution Group Head x
Corporate Management (Corporate & Commercial) Group Head x
Ikhtisar Kinerja
2024 Risk Management Group Head x
Deposit Investment Product Development Group Head x
Laporan
Anggota Inti
Manajemen Sales & Distribution Group Head x
Core Members
Corporate Banking Business Solution Group Head x
Profil
Perusahaan Finance & Performance Management Group Head x
Corporate & Commercial Banking Group Head x
Analisis dan
Pembahasan Micro, Small & Medium Enterprise Business Group Head x
Manajemen
Credit Analyst & Early Warning (Corporate & Commercial) Division Head x
Tinjauan Core Corporate Funding & Business Management Group Head x
Pendukung Anggota Pendukung
Financial Planning & Controlling Division Head x
Bisnis Supporting Members
Money Market Division Head x
TATA KELOLA
Market, Liquidity & Enterprise Risk Management Division Head x
PERUSAHAAN
Internal Audit Group Head x
Invitee ALCO
Laporan x
Compliance Group Head
Keberlanjutan
Pernyataan Independensi Independence Statement
Bank menjamin bahwa seluruh anggota ALCO bertindak The Bank ensures that all members of the Asset and Liability
secara independen dan tidak menerima/melakukan Committee (ALCO) act independently and are free from
intervensi dari/kepada pihak lainnya. ALCO juga tidak any form of interference or influence from other parties.
memiliki kepentingan serta keterkaitan yang bersifat pribadi, Furthermore, ALCO members do not possess any personal
yang berpotensi menimbulkan benturan kepentingan interests or affiliations that could potentially give rise to
(conflict of interest) dengan Bank. conflicts of interest with the Bank.
Tugas dan Tanggung Jawab ALCO ALCO Duties and Responsibilities
ALCO bertanggung jawab untuk mengarahkan dan ALCO is responsible for formulating and guiding plans,
menentukan rencana, kebijakan, strategi, struktur neraca, policies, strategies, and the structure of the Bank’s balance
likuiditas, profitabilitas, dan risiko yang terkait dengan sheet, including aspects of liquidity, profitability, and risk.
risiko valuta asing dan tingkat suku bunga melalui proses This encompasses managing exposure to foreign exchange
pengawasan, identifikasi dan pengukuran paparan risiko and interest rate risks through the ongoing processes of
dengan memperhatikan prinsip kehati-hatian. monitoring, identification, and measurement of risk, all while
upholding the principle of prudence.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 361
Secara garis besar, ALCO melakukan tinjauan, analisis, dan In general, ALCO conducts reviews, analyzes, and provides
memberi rekomendasi saat diperlukan dalam hal-hal yang recommendations when necessary in matters concerning
menyangkut rasio kualitatif dan kuantitatif, likuiditas dan qualitative and quantitative ratios, liquidity and market
indikator pasar sebagai berikut. indicators as follows.
1. Mengkaji ulang dan merekomendasikan penetapan suku 1. Review and recommend the determination of the
bunga dasar (pricing) yang dikenakan terutama pada basic interest rate (pricing) imposed primarily on credit/
produk kredit/pembiayaan dan funding yang berlaku untuk financing and funding products that apply to maintain
menjaga tingkat suku bunga dalam rangka mendorong interest rates in order to encourage the achievement
tercapainya penggunaan dana dan biaya pendanaan yang of optimal use of funds and funding costs, which will be
optimal yang akan di putuskan pada rapat ALCO. decided at the ALCO meeting.
2. Memberi arahan strategi mengenai struktur modal 2. Provide strategic direction regarding the company’s
perusahaan, pengalokasian modal di antara berbagai bisnis capital structure, capital allocation among various
unit, menetapkan dan menyetujui kebijakan, strategi dan business units, establish and approve policies, strategies
pedoman likuiditas dalam pendanaan untuk memaksimumkan and guidelines for liquidity in funding to maximize
pendapatan, dan memastikan permintaan dan sumber dana.
3. Melakukan pengelolaan likuiditas dengan berusaha
revenue, and ensure demand and sources of funds.
3. Manage liquidity by trying to maintain a minimum liquidity
359
menjaga kesenjangan likuiditas seminimal mungkin gap between the composition of assets and liabilities in a
2024
antara komposisi aset dan liabilitas pada suatu periode certain period related to cash flow gaps, repricing gaps, Performance
tertentu terkait kesenjangan arus kas, kesenjangan interest rate gaps and gaps between maturity periods. Highlights
repricing, kesenjangan suku bunga dan kesenjangan
antara jangka waktu jatuh tempo. Management
4. Memberi arahan dalam mengelola aset dan liabilitas 4. Provide direction in managing interest rate sensitive Report
yang sensitif terhadap suku bunga (interest rate sensitive assets and liabilities in conditions of fluctuating interest
assets and liabilities) dalam kondisi pergerakan suku rate movements to optimize profits or minimize losses. Company
bunga yang berfluktuasi untuk mengoptimalkan laba Profile
atau meminimalkan kerugian.
5. Pemantauan atas pemenuhan rasio-rasio regulator 5. Monitor the fulfillment of regulatory ratios (such as the
Management
(seperti rasio intermediasi makroprudensial (RIM), rasio macroprudential intermediation ratio (RIM), the ratio of Discussion and
alat likuid terhadap non-core deposit (ALNCD), rasio liquid assets to non-core deposits (ALNCD), the ratio Analysis
alat likuid terhadap dana pihak ketiga (ALDPK), liquidity of liquid assets to third party funds (ALDPK), liquidity
coverage ratio (LCR), net stable funding ratio (NSFR), coverage ratio (LCR), net stable funding ratio (NSFR), Business
delta economic value of equity (ΔEVE), rasio deposan delta economic value of equity (ΔEVE), core depositor Support
inti, dan lain-lain), giro wajib minum (GWM), penyangga ratio, etc.), minimum reserve requirement (GWM), Overview
likuiditas makroprudensial (PLM). macroprudential liquidity buffer (PLM).
6. Melakukan pemantauan terkait portofolio kepemilikan 6. Monitoring the investment ownership portfolio carried CORPORATE
investasi yang dilakukan terkait penetapan penempatan, out related to the determination of placement, notional GOVERNANCE
besaran notional portofolio, mata uang portofolio portfolio size, investment portfolio currency and
investasi dan management action trigger (MAT). management action trigger (MAT). Sustainability
7. Menetapkan limit terhadap aktivitas Treasury Konvensional 7. Setting limits on Conventional Treasury and UUS Treasury Report
dan Treasury UUS untuk menghindari konsentrasi activities to avoid portfolio concentration on certain
portofolio pada instrumen dan counter parties tertentu instruments and counter parties and setting policies and
serta menetapkan kebijakan dan pengarahan terhadap directions for treasury in managing liquidity.
treasury dalam mengelola likuiditas.
8. Melakukan kaji ulang terkait kebijakan rencana 8. Reviewing the policy on Bank Indonesia’s contingency
pendanaan darurat (contingency funding plan/CFP) dan funding plan (CFP) and short-term liquidity loans (PLJP)
pinjaman likuiditas jangka pendek (PLJP) Bank Indonesia and conducting periodic trials related to Bank Indonesia’s
serta melakukan uji coba terkait CFP dan PLJP Bank CFP and PLJP.
Indonesia secara berkala.
9. Menyusun kebijakan dan memberikan usulan dalam 9. Formulating policies and providing proposals in the
pengelolaan dan pengendalian kekayaan dan kewajiban management and control of the Bank’s assets and
keuangan Bank. financial liabilities.
10. Memberikan wewenang kepada ketua dan sekretaris 10. Giving authority to the ALCO chairman and secretary to
ALCO untuk menyusun dan menetapkan tata tertib; prepare and determine rules of procedure;
11. Memberikan kewenangan kepada ALCO untuk 11. Giving authority to ALCO to invite other parties to attend
mengundang pihak lain untuk hadir dalam rapat, apabila meetings, if there are changes in the economic situation
terjadi perubahan pada situasi ekonomi dan suku bunga and money market interest rates.
pasar uang.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 362
12. Memiliki wewenang dan melakukan kaji ulang secara 12. Having the authority and conducting periodic reviews in
berkala dalam menentukan susunan anggota ALCO determining the composition of ALCO members as well
serta wewenang, tugas dan tanggung jawab ALCO. as the authority, duties and responsibilities of ALCO.
Rapat Meetings
Kebijakan Policy
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 In accordance with the provisions of the Financial Services
tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum, Authority Regulation No. 17 of 2023 concerning the
Rapat ALCO diselenggarakan sesuai dengan kebutuhan Implementation of Governance for Commercial Banks, ALCO
Bank. Meetings are held according to the Bank’s needs.
Frekuensi dan Kehadiran Frequency and Attendance
Sepanjang tahun 2024, komite ini menyelenggarakan 11 Throughout 2024, this committee held 11 meetings, with the
kali rapat, dengan agenda membahas Market Outlook, agenda of discussing Market Outlook, Performance Highlight,
360 Performance Highlight, Credit Highlight, Likuiditas, DPK,
Pemantauan Risiko Pasar, Pemantauan Risiko Likuiditas,
Credit Highlight, Liquidity, DPK, Market Risk Monitoring,
Liquidity Risk Monitoring, Core Depositors, and Net Interest
Ikhtisar Kinerja
Deposan Inti, dan Net Interest Income (NII) dan Suku Bunga Income (NII) and Basic Credit Interest Rate (SBDK).
2024 Dasar Kredit (SBDK).
Laporan Jumlah Rapat Jumlah Kehadiran
Manajemen Jabatan Frekuensi/Tingkat Kehadiran (%)
Number of Number of
Position Frequency/Attendance Rate (%)
Meetings Attendance
Profil President Director 11 10 90,9
Perusahaan
Lending & Wholesale Banking Director 11 9 81,8
Retail Banking Director 11 10 90,9
Analisis dan
Pembahasan Operations & Consumer Business Director 11 11 100,0
Manajemen Information Technology & Digital Experience Director 11 10 90,9
Tinjauan
Pendukung
Bisnis
Agenda
Tanggal
Agenda
Date
TATA KELOLA
PERUSAHAAN - Market Outlook
- Performance Highlight
- Credit Highlight
Laporan - Likuiditas
Keberlanjutan - DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
22 Januari 2024 - NII
January 22, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
- Market Outlook
- Performance Highlight
- Credit Highlight
- Likuiditas
- DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
26 Februari 2024 - NII
February 26, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 363
Tanggal
Agenda
Date
- Market Outlook
- Performance Highlight
- Credit Highlight
- Likuiditas
- DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
25 Maret 2024 - NII
March 25, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
- Market Outlook
-
-
Performance Highlight
Credit Highlight
361
- Likuiditas
- DPK 2024
- Pemantauan Risiko Pasar Performance
- Pemantauan Risiko Likuiditas Highlights
- Deposan Inti
22 April 2024 - NII
April 22, 2024 - Market Outlook
Management
- Performance Highlight
- Credit Highlight
Report
- Liquidity
- DPK
- Market Risk Monitoring Company
- Liquidity Risk Monitoring Profile
- Core Depositors
- NII
- Market Outlook Management
- Performance Highlight Discussion and
- Credit Highlight Analysis
- Likuiditas
- DPK
- Pemantauan Risiko Pasar Business
- Pemantauan Risiko Likuiditas Support
- Deposan Inti Overview
20 Mei 2024 - NII
May 20, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
CORPORATE
- Liquidity GOVERNANCE
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring Sustainability
- Core Depositors Report
- NII
- Market Outlook
- Performance Highlight
- Credit Highlight
- Likuiditas
- DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
24 Juni 2024 - NII
June 24 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 364
Tanggal
Agenda
Date
- Market Outlook
- Performance Highlight
- Credit Highlight
- Likuiditas
- DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
24 Juli 2024 - NII
July 24, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
- Market Outlook
362 -
-
Performance Highlight
Credit Highlight
- Likuiditas
Ikhtisar Kinerja - DPK
2024 - Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
Laporan 26 Agustus 2024 - NII
Manajemen August 26, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
Profil - Liquidity
Perusahaan - DPK
- Market Risk Monitoring
Analisis dan - Liquidity Risk Monitoring
- Core Depositors
Pembahasan
- NII
Manajemen
- Market Outlook
- Performance Highlight
Tinjauan - Credit Highlight
Pendukung - Likuiditas
Bisnis - DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
TATA KELOLA - Deposan Inti
PERUSAHAAN 23 September 2024 - NII
September 23, 2024 - Market Outlook
- Performance Highlight
Laporan
- Credit Highlight
Keberlanjutan
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
- Market Outlook
- Performance Highlight
- Credit Highlight
- Likuiditas
- DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
- NII
21 Oktober 2024 - Suku Bunga Dasar Kredit
October 21, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
- Basic Credit Interest Rate
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 365
Tanggal
Agenda
Date
- Market Outlook
- Performance Highlight
- Credit Highlight
- Likuiditas
- DPK
- Pemantauan Risiko Pasar
- Pemantauan Risiko Likuiditas
- Deposan Inti
- NII
25 November 2024 - Suku Bunga Dasar Kredit
November 25, 2024 - Market Outlook
- Performance Highlight
- Credit Highlight
- Liquidity
- DPK
- Market Risk Monitoring
- Liquidity Risk Monitoring
- Core Depositors
- NII
- Basic Credit Interest Rate
363
Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
2024
2024 2024 Performance
Sepanjang tahun 2024, ALCO Bank Sinarmas telah Throughout 2024, ALCO Bank Sinarmas has carried out the Highlights
melaksanakan tugas dan tanggung jawab sebagai berikut. following duties and responsibilities.
1. Memacu pertumbuhan portofolio pinjaman pada 1. Stimulating the growth of the loan portfolio in several key Management
beberapa produk kunci. products. Report
2. Memastikan tingkat likuiditas Bank selalu berada pada 2. Ensuring that the Bank’s liquidity level is always at an
level yang optimum. optimum level. Company
3. Melakukan pemantauan atas strategi pricing pendanaan 3. Actively monitoring funding pricing strategies by Profile
secara aktif dengan mempertimbangkan tingkat kebutuhan considering the level of funding needs, conditions and
pendanaan, kondisi dan kompetisi di pasar serta tingkat competition in the market, and the funding pricing level
Management
pricing pendanaan yang ditetapkan oleh regulator. set by the regulator. Discussion and
4. Menjaga kondisi likuiditas Bank secara stabil dengan tetap 4. Maintaining the Bank’s liquidity condition stably by Analysis
meningkatkan pendapatan Bank sesuai dengan Rencana continuing to increase the Bank’s income in accordance
Bisnis Bank yang telah di tetapkan di tahun 2023. with the Bank’s Business Plan that has been set in 2023. Business
5. Menjaga rasio-rasio regulator tetap berada dalam batasan 5. Maintaining regulatory ratios within the limits set by the Support
yang telah di tetapkan oleh regulator, yaitu LCR, NSFR, (ΔEVE, regulator, namely LCR, NSFR, (ΔEVE, AL NCD, GWM, Overview
AL NCD, GWM, PLM, rasio deposan inti, RIM, dan lain-lain. PLM, core depositor ratio, RIM, and others.
6. Melakukan investasi pada portofolio yang memiliki risiko 6. Investing in portfolios that have low risk but can still CORPORATE
rendah namun tetap dapat menghasilkan pendapatan generate maximum income. GOVERNANCE
yang maksimal.
7. Menetapkan strategi terkait penetapan suku bunga 7. Determining strategies related to determining the Sustainability
dasar sebagai acuan dalam melakukan intermediasi base interest rate as a reference in intermediating by Report
dengan menyalurkan kredit serta mendapat pendanaan distributing credit and obtaining funding in order to
agar dapat tetap bersaing di pasar perbankan. remain competitive in the banking market.
8. Mengkaji serta menyetujui beberapa kebijakan dan 8. Reviewing and approving several policies and methodologies
metodologi terkait likuiditas, seperti standar operasional related to liquidity, such as standard operating procedures
prosedur contingency funding plan, SK terkait ALCO, for contingency funding plans, decrees related to ALCO, CFP
parameter CFP, testing terkait CFP dan PLJP, dan lain-lain. parameters, testing related to CFP and PLJP, and others.
9. Melakukan pemantauan terkait kinerja Bank secara 9. Monitoring the Bank’s overall performance in terms of
keseluruhan dalam hal pencapaian dari sisi kredit, achievements in terms of credit, funding, cost of funds
pendanaan, cost of fund (COF), non-performing loan (COF), non-performing loans (NPL), net interest margin
(NPL), net interest margin (NIM), dan core funding secara (NIM), and core funding periodically once a month.
berkala sebulan sekali.
10. Memperhatikan market outlook secara global, makro 10. Pay attention to the global, macro and micro economic
dan mikro ekonomi serta internal dalam rangka and internal market outlook in order to determine the
menetapkan strategi Bank ke depan serta pengaruh Bank’s future strategy and the influence of the investment
portofolio investasi yang dimiliki atas iklim ekonomi portfolio owned on the overall economic climate.
secara keseluruhan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 366
KOMITE HUMAN CAPITAL HUMAN CAPITAL COMMITTEE
Komite Human Capital dibentuk oleh Direksi untuk The Human Capital Committee was formed by the Board
mendukung pelaksanaan tugas dan tanggung jawab di of Directors to support the implementation of duties and
bidang sumber daya manusia. Komite ini berperan dalam responsibilities in the field of human resources. This
menjaga independensi dan penerapan prinsip manajemen committee plays a role in maintaining independence and
risiko dalam pengambilan keputusan terkait promosi, mutasi, implementing risk management principles in decision-making
demosi, dan pengunduran diri untuk karyawan setingkat related to promotions, transfers, demotions, and resignations
department head ke atas. for employees at the department head level and above.
Pedoman Kerja Work Guidelines
Komite Human Capital menjalankan tugas tanggung The Human Capital Committee carries out its duties and
jawabnya dengan berpedoman pada Surat Keputusan responsibilities by referring to Decree No. SK.032/2023/
No. SK.032/2023/PRESDIR-HCSS tentang Susunan dan PRESDIR-HCSS concerning the Composition and Authorities
Wewenang Human Capital Committee. of the Human Capital Committee.
364 Struktur dan Komposisi
Struktur dan komposisi Komite Human Capital berdasarkan
Structure and Composition
The structure and composition of the Human Capital
Ikhtisar Kinerja
Surat Keputusan No. SK.032/2023/PRESDIR-HCSS tentang Committee based on Decree No. SK.032/2023/PRESDIR-
2024 Susunan dan Wewenang Human Capital Committee, HCSS concerning the Composition and Authorities of the
diungkapkan sebagai berikut. Human Capital Committee, are disclosed as follows.
Laporan
Manajemen
Jabatan dalam Komite Pelaksana Hak Suara
Positions in the Committee Manager Voting Rights
Profil Ketua Direktur Utama
Perusahaan √
Chairman President Director
Anggota Direktur yang membawahi unit kerja terkait dengan perihal yang diputuskan
Analisis dan √
Member Director in charge of work unit related to the matter decided
Pembahasan
Manajemen Anggota Direktur yang membawahi bidang Sumber Daya Manusia
√
Member Director in charge of Human Resources
Anggota Pejabat Eksekutif tertinggi yang membawahi bidang Sumber Daya Manusia
Tinjauan √
Member Highest Executive Officer in charge of Human Resources
Pendukung
Bisnis Sekretaris
Human Capital Process & Performance Management Division Head x
Secretary
TATA KELOLA
PERUSAHAAN
Pernyataan Independensi Independence Statement
Laporan Bank menjamin bahwa seluruh anggota Komite Human Capital The Bank ensures that all members of the Human Capital
Keberlanjutan bertindak secara independen dan tidak menerima/melakukan Committee act independently and do not accept or engage
intervensi dari/kepada pihak lainnya. Komite Human Capital in any form of intervention from or toward other parties. The
juga tidak memiliki kepentingan serta keterkaitan yang bersifat Human Capital Committee also has no personal interests
pribadi yang berpotensi menimbulkan benturan kepentingan or affiliations that could potentially give rise to a conflict of
(conflict of interest) dengan Bank. interest with the Bank.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Human Capital, yakni: The duties and responsibilities of the Human Capital
Committee include:
1. Memutuskan promosi, mutasi, dan demosi untuk 1. Making decisions on promotions, transfers, and demotions
karyawan dengan jabatan setingkat Division Head atau for employees holding positions equivalent to Division Head
lebih tinggi, dan jabatan Sub Branch Manager. or higher, as well as for Sub-Branch Manager positions.
2. Memutuskan pengunduran diri bagi Pejabat Eksekutif. 2. Deciding on resignations submitted by Executive Officers.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 367
Rapat Meetings
Kebijakan Policy
Rapat Komite Human Capital wajib diselenggarakan apabila Meetings of the Human Capital Committee must be convened
terdapat permasalahan terkait dengan sumber daya manusia when there are human capital-related issues that require
yang membutuhkan keputusan mendesak. Namun, rapat urgent decisions. However, meetings can only proceed if at
hanya dapat dilaksanakan apabila dihadiri oleh paling least two-thirds of the Committee members are present.
kurang 2/3 dari jumlah anggota Komite.
Frekuensi dan Kehadiran Frequency and Attendance
Sepanjang tahun 2024, 2 (dua) kali pelaksanaan rapat Throughout 2024, the Human Capital Committee held a total
Komite Human Capital. of 2 (two) meetings.
Jumlah Kehadiran
Jabatan Jumlah Rapat Frekuensi/Tingkat Kehadiran (%)
Number of
Position Number of Meetings Frequency/Attendance Rate (%)
Attendance
Direktur Utama
2 2 100
365
President Director
Direktur yang membawahi unit kerja terkait dengan perihal 2024
yang diputuskan Performance
2 2 100
Director in charge of work unit related to subject of the Highlights
decision
Direktur yang membawahi bidang Sumber Daya Manusia
2 2 100 Management
Director in charge of Human Resources
Report
Pejabat Eksekutif tertinggi yang membawahi bidang Sumber
Daya Manusia 2 2 100
Highest Executive Officer in charge of Human Resources
Company
Human Capital Process & Performance Management Profile
2 2 100
Division Head
Management
Agenda Discussion and
Tanggal Analysis
Agenda
Date
Pembahasan Promosi – Mutasi Karyawan Business
2024
Discussion on Promotion– Employee Transfer Support
Pembahasan Pengunduran diri PE Overview
2024
Discussion on PE Resignation
CORPORATE
Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in GOVERNANCE
2024 2024
Sepanjang tahun 2024, Komite Human Capital telah Throughout 2024, the Human Capital Committee has made Sustainability
membuat 68 keputusan. 68 decisions. Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 368
SEKRETARIS PERUSAHAAN
Corporate Secretary
Sekretaris Perusahaan merupakan organ pendukung Direksi The Corporate Secretary is a supporting organ of the Board
yang memiliki tanggung jawab untuk menjamin kelancaran of Directors responsible for ensuring smooth coordination
hubungan antarorgan Bank, menjaga hubungan yang baik among the Bank’s organs, maintaining good relations
antara Bank dan pemangku kepentingan, serta memastikan between the Bank and its stakeholders, and ensuring
kepatuhan terhadap ketentuan peraturan perundang- compliance with prevailing laws and regulations.
undangan yang berlaku.
366 Pedoman Kerja Work Guidelines
Ikhtisar Kinerja
Sekretaris Perusahaan menjalankan tugas tanggung The Corporate Secretary carries out their duties and
2024 jawabnya dengan berpedoman pada Peraturan Otoritas responsibilities based on the provisions of the Financial
Jasa Keuangan No. 35/POJK.04/2014 tentang Sekretaris Services Authority Regulation No. 35/POJK.04/2014
Laporan Perusahaan Emiten atau Perusahaan Publik dan Anggaran concerning Corporate Secretaries of Issuers or Public
Manajemen Dasar Bank. Companies and the Bank’s Articles of Association.
Profil Struktur Sekretaris Perusahaan Corporate Secretary Structure
Perusahaan
Dalam susunan organisasi Bank, Sekretaris Perusahaan In the Bank’s organizational structure, the Corporate
bertanggung jawab langsung kepada Direktur Utama. Peran Secretary is directly responsible to the President Director.
Analisis dan
Pembahasan Sekretaris Perusahaan mencakup sejumlah fungsi, termasuk: The role of the Corporate Secretary includes a number of
Manajemen functions, including:
1. Memastikan Bank sebagai perusahaan terbuka, 1. Ensuring that the Bank, as a public company, implements
Tinjauan melaksanakan tata kelola perusahaan khususnya terkait corporate governance, especially related to the capital
Pendukung
Bisnis
dengan pasar modal; market;
2. Stakeholder Management; 2. Stakeholder Management;
TATA KELOLA 3. Komunikasi Korporasi; 3. Corporate Communication;
PERUSAHAAN 4. Kesekretariatan; 4. Secretariat;
5. Corporate Social Responsibility; dan 5. Corporate Social Responsibility; and
Laporan 6. Board Support. 6. Board Support.
Keberlanjutan
PRESIDENT DIRECTOR
CORPORATE SECRETARY DISVISION HEAD
CORPORATE SECRETARY MANAGER CORPORATE COMMUNICATION MANAGER
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 369
Profil Sekretaris Perusahaan Corporate Secretary Profile
Retno Tri Wulandari Dasar Hukum Pengangkatan
Sekretaris Perusahaan Legal Basis for Appointment
Corporate Secretary
Surat keputusan Direksi No. SK.015/2017/PRESDIR
tanggal 16 Maret 2017.
Kewarganegaraan | Citizenship
Board of Directors Decree No. SK.015/2017/PRESDIR
Indonesia
dated March 16, 2017.
Domisili | Domicile
Jakarta
Usia | Age
40 tahun | years old
367
2024
Performance
Riwayat Pendidikan | Educational Background Rangkap Jabatan | Concurrent Position Highlights
Sarjana Akuntansi, STEKPI Jakarta (2005). Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau
Bachelor of Accounting, STEKPI Jakarta (2005). lembaga lain.
Does not hold concurrent positions, either in banks, companies, and/or Management
Riwayat Pekerjaan | Work Experience other institutions. Report
• Personal Assistance to President Director & Risk Management Human
Capital Director PT. Bank Sinarmas Tbk. (2014-1017); Hubungan Afiliasi | Affiliated Relationship
• Personal Assistance to Compliance Director PT Bank Internasional Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Company
Indonesia (BII) Tbk (2014); dan Direksi, dan Pemegang Saham Pengendali.
• Compliance Assistance ABN AMRO Bank NV/RBS (2005-2010). Profile
Has no affiliation with members of the Board of Commissioners, Board of
• Personal Assistance to President Director & Risk Management Human Directors, and Controlling Shareholders.
Capital Director of PT. Bank Sinarmas Tbk. (2014-1017);
• Personal Assistance to Compliance Director of PT Bank Internasional Management
Indonesia (BII) Tbk (2014); and Discussion and
• Compliance Assistance ABN AMRO Bank NV/RBS (2005-2010). Analysis
Business
Tugas dan Tanggung Jawab Duties and Responsibilities Support
Tugas dan tanggung jawab Sekretaris Perusahaan Bank The duties and responsibilities of the Corporate Secretary of Overview
Sinarmas diuraikan sebagai berikut. Bank Sinarmas are outlined as follows.
1. Mengikuti perkembangan pasar modal, khususnya 1. Following developments in the capital market, especially CORPORATE
peraturan perundang-undangan yang berlaku di bidang laws and regulations in force in the capital market sector. GOVERNANCE
pasar modal.
2. Memberikan masukan kepada Direksi dan Dewan 2. Providing input to the Board of Directors and Board of Sustainability
Komisaris Bank untuk mematuhi ketentuan peraturan Commissioners of the Bank to comply with the provisions Report
perundang-undangan di bidang pasar modal. of laws and regulations in the capital market sector.
3. Membantu Direksi dan Dewan Komisaris dalam 3. Assisting the Board of Directors and Board of Commissioners
pelaksanaan tata kelola perusahaan yang meliputi: in implementing corporate governance, which includes:
a. Keterbukaan informasi kepada masyarakat, termasuk a. Disclosure of information to the public, including the
ketersediaan informasi pada situs web Bank; availability of information on the Bank’s website;
b. Penyampaian laporan kepada Otoritas Jasa b. Submission of reports to the Financial Services
Keuangan tepat waktu; Authority on time;
c. Penyelenggaraan dan dokumentasi RUPS; c. Organizing and documenting GMS;
d. Penyelenggaraan dan dokumentasi Rapat Direksi d. Organizing and documenting Board of Directors
dan/atau Dewan Komisaris; dan and/or Board of Commissioners Meetings; and
e. Pelaksanaan program orientasi terhadap perusahaan e. Implementing orientation programs for the company for
bagi Direksi dan/atau Dewan Komisaris. the Board of Directors and/or Board of Commissioners.
4. Sebagai penghubung antara Bank dengan Pemegang 4. As a liaison between the Bank and Shareholders, the
Saham, Otoritas Jasa Keuangan, dan pemangku Financial Services Authority, and other stakeholders.
kepentingan lainnya.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 370
Pengembangan Kompetensi Sekretaris Corporate Secretary Competency Development
Perusahaan
Bank Sinarmas memfasilitasi Sekretaris Perusahaan untuk Bank Sinarmas facilitates the Corporate Secretary to
mengikuti berbagai program pengembangan kompetensi. participate in various competency development programs.
Langkah ini dilakukan untuk memastikan Sekretaris This step is taken to ensure that the Corporate Secretary
Perusahaan memiliki kompetensi yang diperlukan untuk has the necessary competencies to carry out his/her role
menjalankan perannya secara efektif dalam mendukung effectively in supporting the success and sustainability of the
kesuksesan dan keberlanjutan Bank. Bank.
Informasi mengenai program pengembangan kompetensi Information regarding the Corporate Secretary competency
Sekretaris Perusahaan pada tahun 2024 diungkapkan development program in 2024 is disclosed as follows.
sebagai berikut.
Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Competency Development Material Venue/Date Organizer
368 Togather, Excelllence, Action & Mission Working Life
Simas Plaza, Jakarta/26 Januari 2024
Simas Plaza, Jakarta/January 26, 2024
BSIM
Sertifikasi UKMR jenjang 5 Zoom Meetings/26-27 Februari 2024
Ikhtisar Kinerja BSMR
UKMR Certification Level 5 Zoom Meetings/February 26-27, 2024
2024
Meningkatkan Efektivitas Penerapan Management Risiko untuk
mewujudkan Industri Perbankan yang berkelanjutan Zoom Meetings/19 Maret 2024
Laporan Perbans
Improving the Effectiveness of Risk Management Implementation to Zoom Meetings/March 19, 2024
Manajemen Realize a Sustainable Banking Industry
Zoom Meetings/25 April 2024
ESG Investing "What is it and why do investors care about it" Bursa Efek Indonesia
Profil Zoom Meetings/April 25, 2024
Perusahaan Amanuba Hotel, Bogor/9-10 Agustus 2024
Master Strategic Business Analysis Planning & Organizing Business Wisdom Institute
Amanuba Hotel, Bogor/August 9-10, 2024
Analisis dan 5G Resort, Bogor/29 November 2024
Pembahasan Service Quality Professional Grooming IIRC
5G Resort, Bogor/November 29, 2024
Manajemen
Tinjauan Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
Pendukung
Bisnis
2024 2024
Sepanjang tahun 2024, Sekretaris Perusahaan telah Throughout 2024, the Corporate Secretary has carried out
TATA KELOLA melaksanakan tugas dan tanggung jawab sebagai berikut. the following duties and responsibilities.
PERUSAHAAN 1. Mengikuti perkembangan pasar modal, khususnya 1. Following developments in the capital market, especially
terkait dengan peraturan perundang-undangan yang related to applicable laws and regulations in the capital
Laporan berlaku di bidang pasar modal. market sector.
Keberlanjutan 2. Memberikan masukan kepada Direksi dan Dewan 2. Providing input to the Board of Directors and Board of
Komisaris Bank untuk mematuhi ketentuan peraturan Commissioners of the Bank to comply with the provisions
perundang-undangan di bidang pasar modal. of laws and regulations in the capital market sector.
3. Membantu Direksi dan Dewan Komisaris dalam 3. Assisting the Board of Directors and Board of Commissioners
pelaksanaan tata kelola perusahaan yang meliputi: in implementing corporate governance, which includes:
a. Keterbukaan informasi kepada masyarakat, termasuk a. Disclosure of information to the public, including the
ketersediaan informasi pada situs web Bank; availability of information on the Bank’s website;
b. Penyampaian laporan kepada Otoritas Jasa b. Submission of reports to the Financial Services
Keuangan tepat waktu; Authority on time;
c. Penyelenggaraan dan dokumentasi RUPS; c. Organizing and documenting GMS;
d. Penyelenggaraan dan dokumentasi rapat Direksi d. Organizing and documenting meetings of the Board
dan/atau Dewan Komisaris; dan of Directors and/or Board of Commissioners; and
e. Pelaksanaan program orientasi terhadap perusahaan e. Implementing orientation programs for the company for
bagi Direksi dan/atau Dewan Komisaris. the Board of Directors and/or Board of Commissioners.
4. Sebagai penghubung antara Bank dengan Pemegang 4. As a liaison between the Bank and Shareholders, the
Saham, Otoritas Jasa Keuangan, dan pemangku Financial Services Authority, and other stakeholders.
kepentingan lainnya.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 371
Aktivitas Komunikasi Korporasi Corporate Communication Activities
Sepanjang tahun 2024, Sekretaris Perusahaan telah Throughout 2024, the Corporate Secretary has conducted
melakukan aktivitas komunikasi dengan para pemangku communication activities with stakeholders through various
kepentingan melalui berbagai saluran komunikasi, sebagai communication channels, as follows.
berikut.
Tanggal Tempat Event Korporasi
No.
Date Venue Corporate Event
2 Januari 2024 Branch Nanobank Syariah,
1 Sipnoff Bank Nano Syariah
January 2, 2024 Menteng, Jakarta
26 Januari 2024 Sambutan Awal Tahun Manajemen dan Townhall Q1 Bank Sinarmas
2 Ballroom Simas Plasa, Jakarta
January 26, 2024 Early Year Greetings from Management and Q1 Townhall Bank Sinarmas
30 Januari 2024 Green Office Park 1, BSD Pengundian Lucky Draw Simas Digi
3
January 30, 2024 Tangerang Simas Digi Lucky Draw
31 Januari 2024 The Grand Mansion, Menteng, Workshop Internal Audit Group
4
January 31, 2024 Jakarta Internal Audit Group Workshop
1-31 Desember 2024
Kegiatan Bank Goes to School yang dilaksanakan sebanyak 358 kegiatan di
sekolah yg telah bekerjasama
369
5 Nasional
December 1-31, 2024 Bank Goes to School activities carried out in 358 activities at schools that have
collaborated 2024
Performance
Januari, November,
Highlights
Desember 2024 Program Arisan Bank Sinarmas Prioritas sebanyak 24 Batch
6 Jakarta, Surabaya, Makassar
January, November, Bank Sinarmas Priority Arisan Program in 24 Batche
December 2024
Management
Pembukaan Tabungan SimPel kepada 20 anak pembaca aktif TBM Lentera Report
Pustaka, Penyerahan tas sekolah Tzu Chi, donasi 5 perangkat komputer literasi
18 Februari 2024 TBM Lentera Pustaka, Desa digital, dan peluncuran motor baca Simobi+
7
February 18, 2024 Sukaluyu, Bogor, Jawa Barat Opening of SimPel Savings for 20 active children of TBM Lentera Pustaka
readers, Handover of Tzu Chi school bags, donation of 5 digital literacy Company
computer devices, and launch of Simobi+ reading motorbike Profile
Pembukaan Program CSR Berkelanjutan Diseminasi Olah Limbah Peternakan
dan Sampah Organik Basis Teknologi Konsorsium MOL Bio Taro Untuk Pangan Management
23 Februari 2024 Sehat di Kabupaten Gianyar, Bali
8 Desa Petak, Gianyar, Bali Discussion and
February 23, 2024 Opening of Sustainable CSR Program Dissemination of Livestock Waste
Analysis
Processing and Organic Waste Based on MOL Bio Taro Consortium Technology
for Healthy Food in Gianyar Regency, Bali
29 Februari 2024 Pelatihan Relawan Abu Putih Tzu Chi cabang Bank Sinarmas Business
9 Roxy Square Lantai 9, Jakarta
February 29, 2024 Training of Tzu Chi White Ash Volunteers at Bank Sinarmas Branch Support
13 Maret 2024 Donor Darah Bank Sinarmas Overview
10 GBI Roxy Square lantai 6, Jakarta
March 13, 2024 Bank Sinarmas Blood Donation
15 Maret 2024
11 Bank Indonesia, Jakarta Kick Off Serambi 2024 CORPORATE
March 15, 2024
GOVERNANCE
22 Maret 2024 Buka Puasa Bersama Bank Sinarmas
12 Roxy Square lantai 9, Jakarta
March 22, 2024 Breaking Fast Together with Bank Sinarmas
Area Sekitar Roxy Square, Jakarta Sustainability
26 Maret 2024 Takjil Berkah Ramadan Report
13 dan Sinarmas Land Plaza
March 26, 2024 Blessing of Ramadan Takjil
Thamrin, Jakarta
28 Maret 2024 Buka Puasa Bersama TBM Lentera Pustaka, Bogor
14 TBM Lentera Pustaka, Bogor
March 28, 2024 Breaking Fast Together with TBM Lentera Pustaka, Bogor
16 Mei 2024 Sinar Mas Land Plaza, Tower 2 Rapat Umum Pemegang Saham Tahunan(RUPST) PT Bank Sinarmas
15
May 16, 2024 lt.39, Jakarta Annual General Meeting of Shareholders (AGMS) of PT Bank Sinarmas
2 Juni 2024 TBM Lentera Pustaka, Desa "Creative Expression for Social Impact" with Bank Sinarmas Crafters Community
16
June 2, 2024 Sukaluyu, Bogor, Jawa Barat - Shibori
11 Juni 2024 Product Launching Reksa Dana Indeks Sri Kehati
17 Restoran Bunga Rampai, Jakarta
June 11, 2024 Product Launching of Sri Kehati Index Mutual Fund
14 Juni 2024 Penyerahan Hewan Kurban ke MNC Peduli
18 Inews Tower, Jakarta
June 14, 2024 Submission of Qurban Animals to MNC Peduli
18 Juni 2024 TBM Lentera Pustaka, Desa Penyerahan Hewan Kurban ke TBM Lentera Pustaka
19
June 18, 2024 Sukaluyu, Bogor, Jawa Barat Submission of Qurban Animals to TBM Lentera Pustaka
20 Juni 2024 Sinarmas Land Plaza Thamrin, Penuangan Celengan Tzu Chi Bank Sinarmas
20
June 20, 2024 Roxy Square Pouring of Tzu Chi Piggy Banks of Bank Sinarmas
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 372
Tanggal Tempat Event Korporasi
No.
Date Venue Corporate Event
Penandatanganan Perjanjian Kerjasama antara PT kustodian Sentral Efek Indonesia
19 Juli 2024 dengan Bank Administrator RDN-Bank Pembayaran periode 2024-2029
21 Bursa Efek Indonesia, Jakarta
July 19, 2024 Signing of Cooperation Agreement between PT Kustodian Sentral Efek
Indonesia and RDN Administrator Bank-Bank Payment period 2024-2029
22 Juli 2024 Donor Darah Bank Sinarmas
22 GBI Roxy Square lantai 6, Jakarta
July 22, 2024 Bank Sinarmas Blood Donation
31 Juli 2024 Green Office Park 1, BSD Pengundian Tahap 1 - Program Lucky Draw Cuan-tastic Bank Sinarmas 2024
23
July 31, 2024 Tangerang Phase 1 Draw - Bank Sinarmas Cuan-tastic Lucky Draw Program 2024
Kerjasama Quick Response Code Indonesian Standard (QRIS) antara Bank
2 Agustus 2024 Sinarmas dan ALTO
24 JCC, Jakarta
August 2, 2024 Quick Response Code Indonesian Standard (QRIS) Cooperation between Bank
Sinarmas and ALTO
3 Agustus 2024
25 JCC, Jakarta Talkshow: The Rise of NFC Payment: Revolutionizing Payments in Indonesia
August 3, 2024
6 Agustus 2024
26 Telkom Landmark Tower, Jakarta Signing Ceremony Loan Facility Agreement Telkomsel
August 6, 2024
370 27
10 Agustus 2024
August 10, 2024
Grand Ballroom Mulia Hotel,
Jakarta
Sinarmas Wealth Concord Gala
Ikhtisar Kinerja 18 Agustus 2024 35 Tahun Melaju Bersama
28 Orion Sport, Jakarta
2024 August 18, 2024 35 Years of Moving Forward Together
Bakti Sosial: Donasi Beras dan Pemeriksaan Kesehatan Gratis bersama Tzu Chi
25 Agustus 2024 TBM Lentera Pustaka, Desa cabang Bank Sinarmas
Laporan 29
August 25, 2024 Sukaluyu, Bogor, Jawa Barat Social Service: Rice Donation and Free Health Check-up with Tzu Chi branch of
Manajemen
Bank Sinarmas
30 Agustus 2024
Profil 30 Townhal Q2 Bank Sinarmas
August 30, 2024
Perusahaan
4 September 2024 Seluruh Kantor Cabang Bank Hari Pelanggan Nasional
31
September 4, 2024 Sinarmas National Customer Day
Analisis dan
Pembahasan 18 September 2024
32 The Grand Mansion, Jakarta AI Day “Explore Beyond The Stars”
September 18, 2024
Manajemen
Bakti Sosial: Donasi Beras dan Alat Sekolah bersama Tzu Chi cabang Bank Sinarmas
25 September 2024 Kolong Jembatan Lodan Raya,
33 Social Service: Donation of Rice and School Supplies with Tzu Chi Branch of
Tinjauan September 25, 2024 Jakarta Utara
Bank Sinarmas
Pendukung
Bisnis 27 September 2024 Digital Day
34 ICE Bsd, Tangerang
September 27, 2024 Talkwhow: “Empowering Business Through Digital Transformation”
TATA KELOLA Penandatanganan Perjanjian Kerja Sama Antara PLN, PLN Icon Plus dengan
PERUSAHAAN 30 September 2024 Bank dan Pos Tentang Pengelolaan Dana atas Penyesuaian Sistem P2APST
35 Menar BP Jamsostek
September 30, 2024 Signing of Cooperation Agreement Between PLN, PLN Icon Plus with Banks and
Post Offices Regarding Management of Funds for Adjustment of P2APST System
Laporan
2-3 Oktober 2024 Sinarmas Land Plaza, Thamrin,
Keberlanjutan 36 Tijpta UMKM Fair
October 2-3, 2024 Jakarta
Panen Raya di Lahan Uji Coba, Petak Gianyar, Bali
Tanam Pangan Sehat Basis Teknologi Konsorsium MOL Biopetak dengan Pemanfaatan
18 Oktober 2024 Sampah Organik dan Limbah Peternakan menjadi Media Tanam Seketika
37 Desa Petak
October 18, 2024 Big Harvest in Trial Land, Petak Gianyar, Bali
Healthy Food Planting Based on MOL Biopetak Consortium Technology with
Utilization of Organic Waste and Livestock Waste as Instant Planting Media
28 Oktober 2024 Sinarmas Land Plaza lt.39 Tower Rapat Umum Pemegang Saham Luar Biasa Bank Sinarmas
38
October 28, 2024 2, Jakarta Extraordinary General Meeting of Shareholders of Bank Sinarmas
30 Oktober 2024 Pengundian Tahap 2 - Program Lucky Draw Cuan-tastic Bank Sinarmas 2024
39 Green Forest Roxy Square
October 30, 2024 Phase 2 Drawing - Lucky Draw Cuan-tastic Program Bank Sinarmas 2024
4 November 2024 Donor Darah Bank Sinarmas
40 GBI Roxy Square lantai 6, Jakarta
November 4, 2024 Bank Sinarmas Blood Donor
5-6 November 2024
41 Aston Hotel, Grogol, Jakarta Product Workshop “Raising The Bar & Time Machine
November 5-6, 2024
8 November 2024 Sosialisasi dan Pelatihan Bagi UMKM & Nasabah Bank Sinarmas KC Bengkulu
42 Grage Hotel, Bengkulu
November 8, 2024 Socialization and Training for UMKM & Bank Sinarmas KC Bengkulu Customers
21 November 2024 Sinarmas Land Plaza Thamrin, Penuangan Celengan Tzu Chi Bank Sinarmas
43
November 21, 2024 Roxy Square Pouring of Tzu Chi Piggy Bank Bank Sinarmas
26 November 2024
44 The Grand Mansion, Jakarta Public Expose Bank Sinarmas
November 26, 2024
6 Desember 2024
45 The Grand Mansion, Jakarta “Pathway To Infinite Memories” Red Diamond Infinte Card Launch
December 6, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 373
SATUAN KERJA AUDIT INTERNAL
Internal Audit Work Unit
Satuan Kerja Audit Internal (SKAI) berperan sebagai The Internal Audit Work Unit (SKAI) acts as a third line of
pertahanan lapis ketiga (third line of defense) yang bertugas defense tasked with supervising and assessing internal
mengawasi dan menilai pengendalian internal melalui control through audits of all divisions at Bank Sinarmas. SKAI
pemeriksaan seluruh divisi di Bank Sinarmas. SKAI juga also plays a role in maintaining and securing the Bank’s
berperan untuk menjaga dan mengamankan kegiatan business activities, and is responsible for ensuring the
usaha Bank, serta bertanggung jawab dalam memastikan achievement of the Bank’s vision and mission.
tercapainya visi dan misi Bank.
371
Piagam Audit Internal Internal Audit Charter
2024
SKAI menjalankan tugas dan tanggung jawab sesuai dengan SKAI carries out its duties and responsibilities in accordance Performance
Piagam Audit Internal Revisi 7.0 yang disahkan melalui with the Internal Audit Charter Revision 7.0, which was ratified Highlights
SK.004/2024/PRESDIR-IAG tanggal 11 Januari 2024. Piagam through SK.004/2024/PRESDIR-IAG dated January 11, 2024.
tersebut memuat ketentuan terkait: The charter contains provisions related to: Management
1. Misi Internal Audit; 1. Internal Audit Mission; Report
2. Standar dan Kepatuhan Terhadap Regulasi; 2. Standards and Compliance with Regulations;
3. Struktur dan Kedudukan Internal Audit; 3. Internal Audit Structure and Position; Company
4. Tanggung Jawab dalam Pelaksanaan Fungsi Internal Audit; 4. Responsibilities in Implementing Internal Audit Functions; Profile
5. Tugas dan Tanggung Jawab Internal Audit; 5. Internal Audit Duties and Responsibilities;
6. Wewenang Internal Audit; 6. Internal Audit Authority;
Management
7. Ruang Lingkup Fungsi Internal Audit; 7. Scope of Internal Audit Functions; Discussion and
8. Tanggung Jawab dan Akuntabilitas Internal Audit Group 8. Responsibilities and Accountabilities of Internal Audit Analysis
Head; Group Head;
9. Persyaratan Internal Auditor; 9. Internal Auditor Requirements; Business
10. Larangan Perangkapan Tugas dan Jabatan Internal Auditor; 10. Prohibition on Dual Duties and Positions of Internal Auditors; Support
11. Penggunaan Jasa Pihak Eksternal dalam Pelaksanaan 11. Use of External Services in the Implementation of Internal Overview
Internal Audit; Audit;
12. Hubungan Internal Audit dengan Unit Kerja Pengendalian, 12. Relationship of Internal Audit with Control Work Unit, CORPORATE
Auditor Ekstern, atau Ahli Hukum; External Auditor, or Legal Expert; GOVERNANCE
13. Pembatasan Penugasan, Penggunaan Jasa dan Cooling 13. Restrictions on Assignments, Use of Services and
Off Period; Cooling Off Period; Sustainability
14. Kewajiban Pelaporan kepada Otoritas Jasa Keuangan; 14. Reporting Obligations to the Financial Services Authority; Report
15. Kode Etik Internal Audit; dan 15. Internal Audit Code of Ethics; and
16. Program Jaminan Kualitas dan Peningkatan Kualitas. 16. Quality Assurance and Quality Improvement Program.
Misi SKAI SKAI Mission
Misi SKAI adalah meningkatkan dan melindungi nilai SKAI’s mission is to enhance and protect the value of
organisasi dengan memberikan risk-based and objective the organization by providing risk-based and objective
assurance, advice, dan insight. Internal Audit membantu PT. assurance, advice, and insight. Internal Audit helps PT.
Bank Sinarmas Tbk. mencapai tujuan dengan pendekatan Bank Sinarmas Tbk. achieve its goals with a systematic
yang sistematis dan konsisten untuk mengevaluasi serta and consistent approach to evaluating and improving the
meningkatkan efektivitas tata kelola, manajemen risiko, effectiveness of governance, risk management, and control
maupun proses pengendalian. processes.
Struktur dan Kedudukan SKAI Structure and Position of SKAI
Struktur dan kedudukan SKAI diatur dalam Peraturan The structure and position of SKAI are regulated in Financial
Otoritas Jasa Keuangan No.1/POJK.03/2019 tanggal 29 Services Authority Regulation No.1/POJK.03/2019 dated
Januari 2019 tentang Penerapan Fungsi Audit Internal January 29, 2019 concerning the Implementation of Internal
pada Bank Umum. SKAI dipimpin oleh Kepala SKAI yang Audit Functions in Commercial Banks. SKAI is led by the
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 374
diangkat dan diberhentikan oleh Direktur Utama, setelah Head of SKAI who is appointed and dismissed by the
mendapat persetujuan dari Dewan Komisaris dengan President Director, after obtaining approval from the Board
mempertimbangkan rekomendasi Komite Audit. of Commissioners by considering the recommendations of
the Audit Committee.
Kepala SKAI Bank Sinarmas yang menjabat saat ini diangkat The current Head of SKAI of Bank Sinarmas was appointed
melalui Keputusan Direksi No. SK.0240/2021/PRESDIR- through Board of Directors Decree No. SK.0240/2021/
HCRS tanggal 26 Januari 2021 dan telah dilaporkan kepada PRESDIR-HCRS dated January 26, 2021 and has been
Otoritas Jasa Keuangan melalui Surat SKL.035/2021/ reported to the Financial Services Authority through Letter
PRESDIR tanggal 17 Februari 2021. SKL.035/2021/PRESDIR dated February 17, 2021.
Kedudukan SKAI dalam struktur organisasi Bank Sinarmas The position of SKAI in the organizational structure of Bank
berdasarkan Surat Keputusan No.SK.074/2024/PRESDIR Sinarmas based on Decree No.SK.074/2024/PRESDIR dated
tanggal 28 Oktober 2024, diungkapkan sebagai berikut. October 28, 2024, is disclosed as follows.
372 GENERAL MEETING OF SHAREHOLDERS
Ikhtisar Kinerja BOARD OF
COMMISSIONERS
2024
Laporan AUDIT COMMITTEE
Manajemen
PRESIDENT DIRECTOR
Profil
Perusahaan
INTERNAL AUDIT
GROUP HEAD
Analisis dan
Pembahasan
Manajemen
TREASURY & BRANCH AUDIT
HEAD OFFICE CREDIT RISK RISK IT & DIGITAL NETWORK METHODOLOGY AUDIT DATA
AUDIT AUDIT BANKING
MANAGEMENT & SHARIA & QUALITY ANALYTICS
AUDIT
Tinjauan AUDIT AUDIT ASSURANCE
Pendukung
Bisnis
TATA KELOLA Kepala SKAI berkomunikasi langsung dengan Dewan The Head of SKAI communicates directly with the Board
PERUSAHAAN Komisaris atau Komite Audit untuk menyampaikan informasi of Commissioners or Audit Committee to convey audit
audit, yang bertujuan mendukung independensi, kelancaran information, which aims to support independence, smooth
Laporan proses, dan wewenang pemantauan tindak lanjut. process, and follow-up monitoring authority. Management
Keberlanjutan Manajemen dan Dewan Komisaris memberikan dukungan and the Board of Commissioners provide full support so that
penuh agar auditor dapat bekerja sama tanpa hambatan auditors can work together without obstacles with auditees.
dengan auditee.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 375
Profil Kepala SKAI Profile of the Head of SKAI
Frieda Junia Dasar Hukum Pengangkatan
Kepala Satuan Kerja Audit Internal Legal Basis for Appointment
Head of Internal Audit Work Unit
Surat Keputusan No. SK.0240/2021/PRESDIR-HCRS
tanggal 26 Januari 2021.
Kewarganegaraan | Citizenship
Decree No. SK.0240/2021/PRESDIR-HCRS dated January
Indonesia
26, 2021.
Domisili | Domicile
Jakarta
Usia | Age
52 tahun | years old
373
2024
Performance
Riwayat Pendidikan | Educational Background Rangkap Jabatan | Concurrent Position Highlights
Sarjana Ekonomi Akuntansi, Universitas Pendidikan Nasional (1996). Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau
Bachelor of Economics in Accounting, Universitas Pendidikan Nasional lembaga lain.
(1996). Does not hold concurrent positions, either in banks, companies, and/or Management
other institutions. Report
Riwayat Pekerjaan | Work Experience
• Country Group Audit Deutsche Bank AG, Jakarta Branch Sertifikasi Profesi | Professional Certification
• (2016-2021); Sertifikasi Manajemen Risiko Level 4.
Company
• Corporate Function Audit Head of Department PT Bank OCBC NISP Risk Management Certification Level 4.
Tbk (2013-2016); Profile
• Branch Network Audit Team Leader Bank Commonwealth (2012-2013); Hubungan Afiliasi | Affiliated Relationship
• Branch Network Audit Senior Manager Bank Commonwealth (2011- Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris,
2012); Direksi, dan Pemegang Saham Pengendali. Management
• Audit Manager Branch and Operation Bank Commonwealth (2010- Has no affiliation with members of the Board of Commissioners, Board of Discussion and
2011); Directors, and Controlling Shareholders. Analysis
• Senior Auditor Bank Commonwealth (2009-2010);
• Regional Operations Manager Bank Commonwealth (2008- 2009);
• Branch Service Manager Bank Commonwealth Bali Branch (2005- Business
2008);
Support
• Royal Resort Bali Business Manager PT Permata Bahari Mandiri (2002-
Overview
2005);
• Accounts Department Officer PT Permata Bahari Mandiri (1999-2002);
dan
• Customer Service Officer PT Bank Internasional Indonesia (BII) Tbk, CORPORATE
Denpasar (1996-1999). GOVERNANCE
• Country Group Audit Deutsche Bank AG, Jakarta Branch (2016-2021);
• Corporate Function Audit Head of Department PT Bank OCBC NISP
Tbk (2013-2016); Sustainability
• Branch Network Audit Team Leader Bank Commonwealth (2012-2013); Report
• Branch Network Audit Senior Manager Bank Commonwealth (2011-
2012);
• Audit Manager Branch and Operation Bank Commonwealth (2010-
2011);
• Senior Auditor Bank Commonwealth (2009-2010);
• Regional Operations Manager Bank Commonwealth (2008- 2009);
• Branch Service Manager Bank Commonwealth Bali Branch (2005-
2008);
• Royal Resort Bali Business Manager PT Permata Bahari Mandiri (2002-
2005);
• Accounts Department Officer PT Permata Bahari Mandiri (1999-2002);
and
• Customer Service Officer PT Bank Internasional Indonesia (BII) Tbk,
Denpasar (1996-1999).
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 376
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab SKAI Bank Sinarmas diungkapkan The duties and responsibilities of SKAI Bank Sinarmas are
sebagai berikut. stated as follows.
1. Mengusulkan dan mengajukan rencana kerja 1. Propose and submit an annual internal audit work plan
tahunan internal audit berdasarkan risiko dengan based on risk by considering the recommendations of
mempertimbangkan rekomendasi Komite Audit serta the Audit Committee and approved by the President
disetujui oleh Direktur Utama dan Dewan Komisaris Director and the Board of Commissioners including
termasuk mendokumentasikan hasil risk assessment, documenting the results of risk assessments, human
sumber daya manusia, maupun anggaran; resources, and budgets;
2. Menilai sistem manajemen risiko, pengendalian 2. Assess the risk management system, internal control,
internal, tata kelola, kepatuhan, keuangan, akuntansi, governance, compliance, finance, accounting,
operasi, dan teknologi informasi yang diterapkan oleh operations, and information technology implemented by
manajemen, dan memastikan bahwa sistem telah management, and ensure that the system is adequate,
memadai, komprehensif, dan efektif; comprehensive, and effective;
3. Menilai kepatuhan terhadap hukum dan peraturan yang 3. Assess compliance with relevant laws and regulations
374 relevan serta kewajiban kontraktual;
4. Mengkomunikasikan hasil dari penugasan assurance
and contractual obligations;
4. Communicate the results of the assurance assignment to
Ikhtisar Kinerja
kepada Dewan Komisaris, Komite Audit, Direksi, the Board of Commissioners, Audit Committee, Board of
2024 Manajemen Senior, dan manajemen auditee; Directors, Senior Management, and auditee management;
5. Mengusulkan perbaikan dalam sistem manajemen risiko, 5. Propose improvements in the risk management system,
Laporan pengendalian internal, tata kelola, kepatuhan, keuangan, internal control, governance, compliance, finance,
Manajemen operasional, dan teknologi informasi; operations, and information technology;
6. Memantau, menganalisis, dan melaporkan pelaksanaan 6. Monitor, analyze, and report on the implementation of
Profil tindakan perbaikan yang direkomendasikan oleh internal corrective actions recommended by the internal audit
Perusahaan
audit dan disepakati auditee sebagai hasil dari kegiatan and agreed upon by the auditee as a result of internal
internal audit; audit activities;
Analisis dan
Pembahasan 7. Mengembangkan program internal control self- 7. Develop an internal control self-assessment program to
Manajemen assessment untuk mengevaluasi efektivitas dan kualitas evaluate the effectiveness and quality of internal audit
kegiatan internal audit; activities;
Tinjauan 8. Melaksanakan penugasan assurance, jika ada 8. Carry out assurance assignments, if requested by the
Pendukung
Bisnis
permintaan Direksi, Dewan Komisaris, Manajemen Board of Directors, Board of Commissioners, Senior
Senior, dan Manajemen; Management, and Management;
TATA KELOLA 9. Internal audit dapat melaksanakan kegiatan konsultasi 9. Internal audit can carry out consulting activities to
PERUSAHAAN kepada klien terkait, termasuk sifat dan ruang related clients, including the nature and scope, and the
lingkupnya, serta durasinya akan disepakati dengan duration will be agreed with the client at the request of
Laporan klien atas permintaan Direksi, Dewan Komisaris, the Board of Directors, Board of Commissioners, Senior
Keberlanjutan Manajemen Senior, dan/atau Manajemen. Internal audit Management, and/or Management. Internal audit
harus menjaga objektivitas dan independensi, ketika must maintain objectivity and independence, when
melaksanakan kegiatan konsultasi kepada klien terkait; carrying out consulting activities to related clients;
10. Internal audit dalam melaksanakan kegiatan konsultasi 10. Internal audit in carrying out consulting activities
kepada klien dapat mengidentifikasi peluang untuk to clients can identify opportunities to improve the
meningkatkan efisiensi proses tata kelola, manajemen efficiency of governance processes, risk management,
risiko, dan pengendalian intern. Internal audit harus and internal control. Internal audit must report to the
melaporkan kepada klien hasil dari kegiatan konsultasi client the results of these consulting activities, including
tersebut, termasuk peluang perbaikan yang teridentifikasi; identified improvement opportunities;
11. Internal Audit Group Head maupun internal auditor 11. Internal Audit Group Head and internal auditors are
dilarang mengemban tugas dan jabatan dalam aktivitas prohibited from carrying out duties and positions in the
operasional PT. Bank Sinarmas Tbk., termasuk anak operational activities of PT. Bank Sinarmas Tbk., including
perusahaan PT. Bank Sinarmas Tbk.; subsidiaries of PT. Bank Sinarmas Tbk.;
12. Menjalankan tugas Internal Audit Terintegrasi dan 12. Carry out the Integrated Internal Audit duties and
menyampaikan laporan kepada Direktur yang ditunjuk submit reports to the Director appointed to carry out the
untuk melakukan fungsi pengawasan terhadap Lembaga supervisory function of the Financial Services Institution
Jasa Keuangan (LJK) dalam Konglomerasi Keuangan (LJK) in the Financial Conglomerate and the Board of
dan Dewan Komisaris Entitas Utama serta Direktur yang Commissioners of the Main Entity and the Director in
membawahkan fungsi kepatuhan Entitas Utama; charge of the Main Entity’s compliance function;
13. Internal audit melaporkan ringkasan hasil audit kepada 13. Internal audit reports a summary of audit results to the
pejabat yang membawahkan fungsi internal audit dari official in charge of the internal audit function of the
perusahaan induk. parent company.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 377
Wewenang SKAI SKAI Authority
Wewenang yang dimiliki SKAI dalam mendukung SKAI’s authority in supporting the implementation of its duties
pelaksanaan tugas dan tanggung jawabnya, paling sedikit and responsibilities, at least as described below.
seperti diuraikan di bawah ini.
1. Internal Audit Group Head diberi kebebasan dalam 1. Internal Audit Group Head is given the freedom to
menetapkan metode, cara, teknik, dan pendekatan determine the methods, methods, techniques, and
audit yang dilakukan sesuai dengan profesi dan standar audit approaches carried out in accordance with the
internal audit. profession and internal audit standards.
2. Internal Audit Group Head dan seluruh anggota Internal 2. Internal Audit Group Head and all members of the
Audit Group diberi wewenang penuh untuk mengakses Internal Audit Group are given full authority to access all
seluruh informasi yang relevan tentang bank terkait relevant information about the bank related to the duties
dengan tugas dan fungsi internal audit. and functions of internal audit.
3. Melakukan komunikasi secara langsung dengan Direksi, 3. Communicate directly with the Board of Directors, Board
Dewan Komisaris, dan Komite Audit. of Commissioners, and Audit Committee.
4. Menyelenggarakan rapat secara berkala dan insidentil 4. Hold regular and incidental meetings with the Board of
dengan Direksi, Dewan Komisaris, dan Komite Audit.
5. Melakukan koordinasi kegiatan dengan auditor ekstern 5.
Directors, Board of Commissioners, and Audit Committee.
Coordinate activities with external auditors to ensure the
375
untuk memastikan kecukupan ruang lingkup audit dan adequacy of the audit scope and avoid duplication of
2024
menghindari duplikasi pemeriksaan. examinations. Performance
6. Mengikuti rapat yang bersifat strategis. 6. Attend strategic meetings. Highlights
Ruang Lingkup Pekerjaan SKAI Scope of SKAI Work Management
Ruang lingkup kegiatan SKAI meliputi, namun tidak terbatas The scope of SKAI activities includes, but is not limited Report
pada penugasan yang objektif terhadap evidence dengan to, objective assignments to evidence with the aim of
tujuan memberikan penilaian independen, kecukupan providing an independent assessment of the adequacy and Company
dan efektivitas tata kelola, manajemen risiko, serta sistem effectiveness of governance, risk management, and internal Profile
pengendalian intern bank maupun anak perusahaan kepada control systems of the bank and its subsidiaries to the Board
Dewan Komisaris, Direksi, Komite Audit, manajemen, dan of Commissioners, Board of Directors, Audit Committee,
Management
pihak eksternal ( jika diperlukan). management, and external parties (if necessary). Discussion and
Analysis
Penilaian internal audit mencakup evaluasi atas: The internal audit assessment includes an evaluation of:
1. Risiko yang berkaitan dengan pencapaian tujuan strategis 1. Risks related to achieving the bank’s strategic objectives Business
bank dapat diidentifikasi dan dimitigasi dengan tepat. can be identified and mitigated appropriately. Support
2. Kegiatan yang dilakukan oleh direksi, manajemen, 2. Activities carried out by the board of directors, Overview
karyawan, dan pihak ketiga telah mematuhi undang- management, employees, and third parties have
undang, kebijakan, prosedur, serta standar tata kelola complied with applicable laws, policies, procedures, and CORPORATE
perusahaan yang berlaku. corporate governance standards. GOVERNANCE
3. Aktivitas dan program operasional konsisten dengan 3. Operational activities and programs are consistent with
tujuan dan sasaran yang telah ditetapkan serta telah the goals and objectives that have been set and have Sustainability
dijalankan secara efektif dan efisien. been implemented effectively and efficiently. Report
4. Aktivitas dan sistem yang ditetapkan patuh terhadap 4. The activities and systems established comply with
undang-undang, kebijakan, prosedur, serta standar tata laws, policies, procedures, and corporate governance
kelola perusahaan yang memiliki dampak signifikan standards that have a significant impact on the company’s
terhadap operasional perusahaan. operations.
5. Informasi dan metode yang digunakan untuk 5. The information and methods used to identify, measure,
mengidentifikasi, mengukur, menganalisis, analyze, classify, and report such information are reliable
mengklasifikasikan, dan melaporkan informasi tersebut and have integrity.
dapat diandalkan dan memiliki integritas.
6. Sumber daya dan aset perusahaan yang memiliki nilai 6. Company resources and assets that have economic
ekonomis, digunakan secara efisien dan dikelola secara value are used efficiently and managed adequately.
memadai.
Kualifikasi dan Jumlah SKAI Qualifications and Number of Internal Audit
Personnel
Jumlah dan kualifikasi jabatan personel audit internal per 31 The number and qualifications of internal audit personnel
Desember 2024 diungkapkan pada tabel berikut. positions as of December 31, 2024 are disclosed in the
following table.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 378
Uraian Jumlah
S2 S1
Description Total
Kepala SKAI
- 1 1
Head of SKAI
Kepala Divisi
1 5 6
Head of Division
Kepala Departemen
- 15 15
Head of Department
Kepala Seksi
2 20 22
Head of Section
Auditor 3 47 50
Jumlah
6 88 94
Total
Sertifikasi Auditor Internal Internal Auditor Certification
Auditor internal dipersyaratkan untuk memperoleh sertifikasi Internal auditors are required to obtain Internal Audit
376 profesi Audit Internal, seperti Sertifikasi Kompetensi Bidang
Audit Intern Bank serta disarankan untuk mengikuti program
professional certification, such as the Bank Internal Audit
Competency Certification and are advised to participate
Ikhtisar Kinerja
sertifikasi profesi lain, seperti Sertifikasi Kompetensi Bidang in other professional certification programs, such as the
2024 Manajeman Risiko Perbankan. Banking Risk Management Competency Certification.
Laporan Uraian Jumlah
Manajemen Description Total
Sertifikasi Auditor Kualifikasi IV KKNI
53
Profil Auditor Certification Qualification IV KKNI
Perusahaan Sertifikasi Audit Supervisor Kualifikasi V KKNI
23
Audit Supervisor Certification Qualification V KKNI
Sertifikasi Audit Manager Kualifikasi VI KKNI
Analisis dan 7
Audit Manager Certification Qualification VI KKNI
Pembahasan
Manajemen Sertifikasi Manajemen Risiko Kualifikasi 4
65
Risk Management Certification Qualification 4
Sertifikasi Manajemen Risiko Kualifikasi 5
Tinjauan 24
Risk Management Certification Qualification 5
Pendukung
Sertifikasi Manajemen Risiko Kualifikasi 6
Bisnis 1
Risk Management Certification Qualification 6
Qualified Internal Audit (QIA) 1
TATA KELOLA
PERUSAHAAN Certified of Information System Auditor (CISA) 1
Control Objective for Information and Related Technology (COBIT) 4
Laporan
Keberlanjutan Cisco Certified Network Associate (CCNA) 1
Train the Trainer 1
Certified Anti-Fraud Manager (CAFM) 1
Certified Information Technology Infrastructure Library (ITIL) 1
Certified in Internal Audit on ISMS Based on ISO27001 1
ISMS-ISO/IEC 27001:2022 3
Certified Ethical Hacker (CEH) 2
Certified Computer Hacking Forensic Investigator (CHFI) 1
Pengembangan Kompetensi SKAI SKAI Competency Development
Bank Sinarmas memfasilitasi personel SKAI, baik kepala Bank Sinarmas facilitates SKAI personnel, both heads
maupun SDM di lingkungan SKAI, untuk mengikuti berbagai and HR within SKAI, to participate in various competency
program pengembangan kompetensi. Langkah ini dilakukan development programs. This step is taken to ensure that
untuk memastikan personel SKAI memiliki kompetensi yang SKAI personnel have the competencies needed to carry
diperlukan untuk menjalankan perannya secara efektif dalam out their roles effectively in supporting the success and
mendukung kesuksesan dan keberlanjutan Bank. Informasi sustainability of the Bank. Information regarding the SKAI
mengenai program pengembangan kompetensi personel personnel competency development program in 2024 is
SKAI pada tahun 2024 diungkapkan sebagai berikut. disclosed as follows.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 379
Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Competency Development Material Venue/Date Organizer
Technical Skill-Risk Management: Pemahaman Sustainability dan
Peraturan OJK tentang Keuangan Berkelanjutan Jakarta, 10 Januari 2024
Bank Sinarmas
Technical Skill-Risk Management: Understanding Sustainability and OJK Jakarta, January 10, 2024
Regulations on Sustainable Finance
Jakarta, 16 Januari 2024
Google Workspace (GWS) Collaborators Tools Bank Sinarmas
Jakarta, January 16, 2024
Workshop Internal Audit Group: Kick Off Annual Audit Plan 2024 and Jakarta, 30-31 Januari 2024
Bank Sinarmas
Training Managing People & Leadership Jakarta, January 31-30, 2024
Jakarta, 23 Januari 2024
Office Application GWS Collaborations Tolls Bank Sinarmas
Jakarta, January 23, 2024
Jakarta, 26 Januari 2024
Town Hall Q1-DREAM T.E.A.M. (Together, Excellence, Action, Mission) Bank Sinarmas
Jakarta, January 26, 2024
Jakarta, 3 Februari 2024
Public Speaking for Audit The Indonesia Internal Audit Community
Jakarta, February 3, 2024
Jakarta, 12-13 Februari 2024
ISO 27001:2019 Implementation Bank Sinarmas
Jakarta, February 12-13, 2024
Jakarta, 26-27 Februari 2024
Agile Scrum PT Smartindo Manajemen Indonesia
Jakarta, February 26-27, 2024
Jakarta, 26-27 Februari 2024
377
PCI DSS Foundation PT Smartindo Manajemen Indonesia
Jakarta, February 26-27, 2024
Penilaian Tingkat Maturitas Digital Bank Umum sejalan dengan POJK 2024
no.11/POJK.03/2022 tentang Penyelenggaraan Teknologi Informasi oleh Performance
Bank Umum Jakarta, 28-29 Februari 2024 Highlights
Nayottama
Assessment of Digital Maturity Level of Commercial Banks in line with Jakarta, February 28-29, 2024
POJK no.11/POJK.03/2022 concerning the Implementation of Information
Technology by Commercial Banks
Management
Jakarta, 29 Februari 2024 Report
GWS Champion User Bank Sinarmas
Jakarta, February 29, 2024
Jakarta, 7-8 Maret 2024
Security Services Bank Sinarmas
Jakarta, March 7-8, 2024 Company
Jakarta, 29 April 2024 Profile
GWS Train The Trainer Bank Sinarmas
Jakarta, April 29, 2024
Jakarta, 24-25 April 2024
Basel III Reform for Credit & Market Risk IAIB
Jakarta, April 24-25, 2024 Management
Jakarta, 1 April-30 Juni 2024 Discussion and
ESG Mastery Complete Corporate Sustainability UDEMY Analysis
Jakarta, April 1-June 30, 2024
Jakarta, 1 April-30 Juni 2024
Understanding & managing Carbon Accounting: A Masterclass UDEMY
Jakarta, April 1-June 30, 2024
Business
Pelatihan Lengkap: Perdagangan Saham dengan Analisa Teknis Jakarta, 1 April-30 Juni 2024
UDEMY Support
Complete Training: Stock Trading with Technical Analysis Jakarta, April 1-June 30, 2024
Overview
Lengkap! Belajar Langkah Demi Langkah Kuasai Pelaporan PPN Jakarta, 1 April-30 Juni 2024
UDEMY
Complete! Learn Step by Step to Master VAT Reporting Jakarta, April 1-June 30, 2024
Time Management Mastery: Tingkarkan Sukses & Produktivitas Jakarta, 1 April-30 Juni 2024 CORPORATE
UDEMY
Time Management Mastery: Increase Success & Productivity Jakarta, April 1-June 30, 2024 GOVERNANCE
Manajemen Tim dan Karyawan Jakarta, 1 April-30 Juni 2024
UDEMY
Team and Employee Management Jakarta, April 1-June 30, 2024
Jakarta, 1 April-30 Juni 2024 Sustainability
Effective Communication in the Workplace UDEMY
Jakarta, April 1-June 30, 2024 Report
Jakarta, 1 April-30 Juni 2024
Master Microsoft Excel Macros and Excel VBA UDEMY
Jakarta, April 1-June 30, 2024
Jakarta, 1 April-30 Juni 2024
Communication Fundamentals: How to Communicate Better UDEMY
Jakarta, April 1-June 30, 2024
Jakarta, 1 April-30 Juni 2024
Fundamentals of ESG and Sustainable Finance for 2024 UDEMY
Jakarta, April 1-June 30, 2024
Belajar Bahasa Inggris Lengkap dan Mudah untuk Pemula Jakarta, 1 April-30 Juni 2024
UDEMY
Learn Complete and Easy English for Beginners Jakarta, April 1-June 30, 2024
Jakarta, 7 Mei 2024
Governance, Risk and Control Bank Sinarmas
Jakarta, May 7, 2024
Jakarta, 5-6 Juni 2024
Interest Rate Risk in The Banking Book (IRRBB) Bank Sinarmas
Jakarta, June 5-6, 2024
Forum Penguatan Fungsi GRC: Diseminasi Standar Audit Internal Terkini
Jakarta, 7 Juni 2024
GRC Function Strengthening Forum: Dissemination of the Latest Internal Otoritas Jasa Keuangan
Jakarta, June 7, 2024
Audit Standards
Semarang, 13-14 Juni 2024
Workshop Navigating the Global Internal Audit Standards IIA Indonesia
Semarang, June 13-14, 2024
Peran Innovative Credit Scoring (ICS) dalam Meningkatkan Akses
Pendanaan Jakarta, 27 Juni 2024
OJK Institute
The Role of Innovative Credit Scoring (ICS) in Increasing Access to Jakarta, June 27, 2024
Funding
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 380
Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Competency Development Material Venue/Date Organizer
Jakarta,
1 Juli-30 September 2024
Becoming A Probability & Statistics Master UDEMY
Jakarta,
July 1-September 30, 2024
Jakarta,
Pengantar Statistika dan Probabilitas untuk Pemula 1 Juli-30 September 2024
UDEMY
Introduction to Statistics and Probability for Beginners Jakarta,
July 1-September 30, 2024
Jakarta, 6 Juli 2024
Internal Auditor Readiness in Facing Cyber Attacks Yayasan Pendidikan Internal Audit (YPIA)
Jakarta, July 6, 2024
Jakarta, 5-8 Agustus 2024
Enterprise Architecture Jumpstart Bank Sinarmas
Jakarta, August 5-8, 2024
Jakarta, 9-10 Agustus 2024
Planning and Organizing for Division Head Bank Sinarmas
Jakarta, August 9-10, 2024
Jakarta, 22 Agustus 2024
Insurance Fraud Asia Anti Fraus Management
Jakarta, August 22, 2024
Bali, 28-29 Agustus 2024
ACIIA Regional Conference: Purposeful Impact IIA Indonesia
Bali, August 28-29, 2024
378 How to Prevent Money Laundering and Terrorism Financing
Jakarta, 5 September 2024 OJK Institute dan The London Institute
Jakarta, September 5, 2024 of Banking
Ikhtisar Kinerja Jakarta, 7-8 November 2024
Implementasi Cyber Security Audit Bank Sinarmas
2024 Jakarta, November 7-8, 2024
The Future Data Analytics in The Financial Industry: Trends and Jakarta, 12 September 2024
OJK Institute dan Orbit Future Academy
Innovations Jakarta, September 12, 2024
Laporan
Jakarta, 24-25 September
Manajemen
Indonesia Security Summit 2024: Encrypting Indonesia for a Secure 2024
Kementerian Komunikasi dan Informatika
Tommorow Jakarta, September 24-25,
Profil 2024
Perusahaan Jakarta, 24-26 September
2024
Treasury & Fund Transfer Pricing IAIB dan Bank Sinarmas
Jakarta, September 24-26,
Analisis dan 2024
Pembahasan
Manajemen
Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
Tinjauan 2024 2024
Pendukung
Bisnis
Sepanjang tahun 2024, SKAI telah merealisasikan tugas dan Throughout 2024, SKAI has realized the following duties and
tanggung jawab berikut. responsibilities.
TATA KELOLA
PERUSAHAAN Realisasi Tugas SKAI
Realization of SKAI Duties
Laporan Area Jenis Pemeriksaan Kantor Cabang*) Unit Kerja
Keberlanjutan Type of Examination Branch Office Work Unit
Pemeriksaan Tahunan
88 44
Annual Examination
Regulatory Requirement - 4
Thematic Review - 10
Ad-Hoc IT - 7
Jumlah
88 65
Total
Keterangan:
*)
Termasuk KC, KCP, KK, dan KFO.
Note:
*)
Including KC, KCP, KK, and KFO.
Rapat SKAI
SKAI Meeting
Rapat dengan:
Uraian Meeting with:
Description Direksi Dewan Komisaris Komite Audit
Board of Directors Board of Commissioners Audit Committee
Jumlah Rapat
4 4 11
Number of Meeting
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 381
SISTEM PENGENDALIAN INTERNAL
Internal Control System
Sistem Pengendalian Internal (SPI) yang efektif merupakan An effective Internal Control System (SPI) is an important
komponen penting dalam manajemen Bank Sinarmas dan component in Bank Sinarmas management and is the basis
menjadi dasar kegiatan operasional Bank yang sehat dan aman. for the Bank’s healthy and safe operational activities. An
SPI yang efektif dapat membantu pengurus Bank menjaga aset, effective SPI can help Bank management maintain assets,
menjamin tersedianya pelaporan keuangan dan manajerial ensure the availability of reliable financial and managerial
yang dapat dipercaya, meningkatkan kepatuhan terhadap reporting, improve compliance with applicable laws and
ketentuan dan peraturan perundang-undangan yang berlaku,
serta mengurangi risiko terjadinya kerugian, penyimpangan
regulations, and reduce the risk of losses, deviations and
violations of prudential aspects.
379
dan pelanggaran terhadap aspek kehati-hatian.
2024
Performance
Tujuan Pengendalian Internal Internal Control Objectives Highlights
Tujuan penerapan pengendalian internal di lingkungan Bank The objectives of implementing internal control in Bank
Sinarmas diuraikan sebagai berikut. Sinarmas are described as follows. Management
1. Menjamin semua kegiatan usaha Bank telah dilaksanakan 1. Ensure that all Bank business activities have been carried Report
sesuai ketentuan dan peraturan perundang-undangan out in accordance with applicable laws and regulations,
yang berlaku, baik ketentuan yang dikeluarkan pemerintah, both provisions issued by the government, the Financial Company
Otoritas Jasa Keuangan maupun kebijakan, ketentuan dan Services Authority and policies, provisions and internal Profile
peraturan internal yang ditetapkan oleh Bank. regulations set by the Bank.
2. Menjamin tersedianya laporan yang lengkap, akurat, 2. Ensure the availability of complete, accurate, appropriate
Management
tepat guna dan tepat waktu yang diperlukan dalam and timely reports needed in order to make appropriate Discussion and
rangka pengambilan keputusan yang tepat dan dapat and accountable decisions. Analysis
dipertanggungjawabkan.
3. Meningkatkan efektivitas dan efisiensi dalam 3. Increase the effectiveness and efficiency in using assets Business
menggunakan aset dan sumber daya lainnya dalam and other resources in order to protect the Bank from the Support
rangka melindungi Bank dari risiko kerugian. risk of loss. Overview
4. Mengidentifikasi kelemahan dan menilai penyimpangan 4. Identify weaknesses and assess deviations early on and
secara dini serta menilai kembali kewajaran kebijakan dan reassess the fairness of existing policies and procedures CORPORATE
prosedur yang ada di bank secara berkesinambungan. in the bank on an ongoing basis. GOVERNANCE
Kesesuaian Pengendalian Internal dengan COSO Compliance of Internal Control with COSO Sustainability
Bank Sinarmas mengimplementasikan Sistem Pengendalian Bank Sinarmas implements an Internal Control System in Report
Intern sesuai pedoman yang telah ditetapkan oleh Komisaris accordance with the guidelines set by the Commissioners
dan Direksi melalui Surat Keputusan SK. No.099/2022/ and Directors through Decree SK. No.099/2022/PRESDIR-
PRESDIR-SKAI tanggal 8 Agustus 2022 mengenai Kebijakan SKAI dated August 8, 2022 concerning the Internal Control
Sistem Pengendalian Intern Versi 5.0. Dalam pelaksanaannya, System Policy Version 5.0. In its implementation, the Bank
Bank memiliki pedoman yang mencakup 5 elemen utama has guidelines that cover 5 main interrelated elements,
yang saling terkait, yakni: namely:
1. A control environment (lingkungan pengendalian); 1. A control environment;
2. Risk assessment (penaksiran risiko); 2. Risk assessment;
3. Control activities (kegiatan pengendalian); 3. Control activities;
4. Information and communication (informasi dan 4. Information and communication; and
komunikasi); dan
5. Monitoring (pemantauan). 5. Monitoring.
Kelima komponen ini sejalan dengan Internal Control These five components are in line with the Internal Control
Integrated Framework yang dikembangkan oleh The Integrated Framework developed by The Committee of
Committee of Sponsoring Organization of the Treadway Sponsoring Organizations of the Treadway Commission
Commission (COSO). (COSO).
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 382
Pelaksanaan Sistem Pengendalian Internal Implementation of Internal Control System
Bank Sinarmas mengimplementasikan SPI secara Bank Sinarmas implements SPI comprehensively and
menyeluruh dan memadai sesuai dengan tujuan, ukuran, adequately in accordance with the objectives, size,
kompleksitas usaha, dan risiko yang dihadapi. Hal tersebut complexity of the business, and risks faced. This is done by
dilakukan dengan mengacu pada: referring to:
1. Kebijakan dan prosedur yang telah ditetapkan oleh 1. Policies and procedures that have been established by
Direksi dan/atau Dewan Komisaris; the Board of Directors and/or Board of Commissioners;
2. Struktur organisasi yang menggambarkan secara 2. Organizational structure that clearly describes the duties
jelas tugas & tanggung jawab masing-masing unit dan & responsibilities of each unit and individual; and
individu; serta
3. Tersedianya pelaporan keuangan dan manajerial yang dapat 3. Availability of reliable financial and managerial reporting
dipercaya dengan sistem yang mendukung serta dilaporkan with a supporting system and reported periodically to the
secara berkala kepada Dewan Komisaris dan Direksi. Board of Commissioners and Board of Directors.
Mekanisme pengawasan dilakukan di seluruh tingkatan, The supervision mechanism is carried out at all levels, from
380 mulai dari manajemen tertinggi hingga tingkat terendah,
dengan mengacu pada prinsip four eyes principles. Dengan
the highest management to the lowest level, by referring to
the four eyes principles. With a clear division of functions,
Ikhtisar Kinerja
pembagian fungsi, tugas, dan wewenang yang jelas, duties, and authorities, it is expected that the internal control
2024 diharapkan sistem pengendalian intern dapat berjalan efektif. system can run effectively.
Laporan Sementara itu, tanggung jawab bersama atas pelaksanaan Meanwhile, the joint responsibility for the implementation of
Manajemen SPI atas fungsi manajemen risiko terletak pada lini pertama, SPI for the risk management function lies with the first line,
lini kedua, dan lini ketiga. Manajemen dan karyawan memiliki second line, and third line. Management and employees
Profil peran, tanggung jawab, serta kewajiban untuk menerapkan, have roles, responsibilities, and obligations to implement,
Perusahaan
mematuhi, dan meningkatkan SPI di Bank Sinarmas. comply with, and improve SPI at Bank Sinarmas.
Analisis dan
Pembahasan Pengendalian Bidang Keuangan Financial Control
Manajemen Bank telah memiliki sistem akuntansi yang memadai. The Bank has an adequate accounting system. The
Sistem akuntansi yang dimiliki telah menghasilkan informasi accounting system has produced accurate, precise, and
Tinjauan keuangan yang akurat, tepat, dan konsisten karena Bank consistent financial information because the Bank has
Pendukung
Bisnis
memiliki kebijakan akuntansi sesuai prinsip/ketentuan yang accounting policies in accordance with applicable principles/
berlaku dan didukung sistem pencatatan yang efektif dan regulations and is supported by an effective recording
TATA KELOLA proses rekonsiliasi yang didokumentasikan dengan baik. system and a well documented reconciliation process.
PERUSAHAAN
Pengendalian Bidang Operasional Operational Control
Laporan Untuk dapat mendukung pengendalian risiko operasional To be able to support overall operational risk control, the Bank
Keberlanjutan secara menyeluruh Bank telah menerapkan Pemisahan has implemented separation of functions so as not to cause
fungsi agar tidak menimbulkan conflict of interest, Supervisor conflicts of interest, Supervisors who function to oversee the
yang berfungsi mengawasi jalannya kontrol internal dan running of internal controls and Internal Supervision whose
Pengawasan Internal yang berfungsi meyakini pelaksanaan function is to ensure the implementation of internal controls
kontrol internal di unit kerja operasional. in the operational work unit.
Selain itu, Setiap transaksi operasional perbankan yang In addition, every banking operational transaction carried out
dilakukan telah mempunyai prosedur kerja yang dituangkan has a work procedure outlined in the work manual, to ensure
dalam manual kerja, untuk memastikan bahwa risiko that operational risks that may exist in these activities have
operasional yang mungkin ada pada aktivitas tersebut telah been properly mitigated.
dimitigasi dengan baik.
Pengendalian Kepatuhan terhadap Peraturan Compliance Control to Legislation
Perundang-undangan
Untuk memastikan kepatuhan Bank terhadap peraturan To ensure the Bank’s compliance with the prevailing laws and
perundang-undangan yang berlaku, Bank Sinarmas telah regulations, Bank Sinarmas has a commitment to comply with
memiliki komitmen mematuhi peraturan perundang- the prevailing laws and regulations and take steps to correct
undangan yang berlaku dan mengambil langkah-langkah this risk weakness, if any. In addition, the Bank monitors the
untuk memperbaiki kelemahan risiko ini, apabila terjadi. compliance of reporting to BI/OJK/other regulators.
Selain itu, Bank melakukan pemantauan kepatuhan
pelaporan kepada BI/OJK/regulator lainnya.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 383
Tinjauan atas Efektivitas Sistem Pengendalian Review of the Effectiveness of the Internal
Internal Control System
Bank Sinarmas melaksanakan sistem pengendalian intern Bank Sinarmas implements an internal control system in
sesuai dengan Internal Control Integrated Framework accordance with the Internal Control Integrated Framework
yang telah dikeluarkan oleh COSO. Kegiatan pengendalian issued by COSO. Control activities are planned and
terlebih dahulu direncanakan dan diterapkan guna implemented in advance to control risks that may affect
mengendalikan risiko yang dapat mempengaruhi kinerja performance or result in losses for the Bank.
atau mengakibatkan kerugian Bank.
Permasalahan yang berkaitan dengan kecukupan Issues related to the adequacy of internal control have been
pengendalian intern telah dilaporkan kepada Direksi, Dewan reported to the Board of Directors, Board of Commissioners
Komisaris dan Komite Audit dan langkah-langkah tindak and Audit Committee and follow-up steps have been taken
lanjut telah dilakukan untuk meminimalkan risiko. to minimize the risk.
Pernyataan Direksi dan/atau Dewan Komisaris Statement by the Board of Directors and/or
atas Kecukupan Sistem Pengendalian Internal Board of Commissioners on the Adequacy of the
Internal Control System
381
Direksi dan Dewan Komisaris telah mengevaluasi secara The Board of Directors and Board of Commissioners have
2024
berkala implementasi SPI di Bank. Berdasarkan evaluasi periodically evaluated the implementation of SPI in the Bank. Performance
tersebut, keduanya menyatakan bahwa Bank telah berhasil Based on this evaluation, both stated that the Bank has Highlights
menerapkan SPI yang efektif dan memadai dalam mengelola successfully implemented an effective and adequate SPI in
risiko-risiko yang dihadapi. managing the risks faced. Management
Report
Bank tetap berada dalam batas toleransi risiko (risk The Bank remains within the risk appetite, which reflects
appetite), yang mencerminkan operasional yang berjalan effective and efficient operations, accurate and reliable Company
secara efektif dan efisien, penyampaian laporan keuangan financial reporting, and the security of the Bank’s assets and Profile
yang akurat dan dapat diandalkan, serta pengamanan aset compliance with applicable laws and regulations. Therefore,
Bank dan kepatuhan terhadap hukum dan peraturan yang Bank Sinarmas is of the view that the implementation of
Management
berlaku. Oleh karena itu, Bank Sinarmas berpandangan the internal control system in 2024 has been running well. Discussion and
bahwa pelaksanaan sistem pengendalian internal pada However, the results of the evaluation are continuously Analysis
tahun 2024 telah berjalan dengan baik. Meskipun demikian, reviewed in order to improve the effectiveness of the
hasil evaluasi tersebut senantiasa dikaji guna meningkatkan implementation of the internal control system in the future. Business
efektivitas pelaksanaan sistem pengendalian intern ke Support
depannya. Overview
CORPORATE
GOVERNANCE
Sustainability
Report
SATUAN KERJA KEPATUHAN
Compliance Work Unit
Bank Sinarmas memandang bahwa tantangan dan risiko Bank Sinarmas views that the challenges and risks of the
usaha Bank semakin besar, sehingga diperlukan berbagai Bank’s business are increasing, so that various efforts are
upaya yang dapat dilakukan untuk memitigasi risiko. Upaya needed to mitigate the risks. These efforts can be preventive
tersebut dapat bersifat preventif (ex-ante) dan kuratif (ex- (ex-ante) and curative (ex-post). Preventive efforts are very
post). Upaya yang bersifat preventif sangat diperlukan untuk much needed to reduce or minimize the potential risks of the
mengurangi atau memperkecil potensi risiko kegiatan usaha Bank’s business activities that are expected to occur.
Bank yang diperkirakan akan terjadi.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 384
Oleh karena itu, diperlukan adanya peningkatan peran Therefore, it is necessary to increase the role and
dan Fungsi Kepatuhan serta Satuan Kerja Kepatuhan Compliance Function and Compliance Work Unit in managing
dalam pengelolaan Risiko Kepatuhan. Upaya yang bersifat Compliance Risk. Curative efforts, the Director who oversees
kuratif, Direktur yang membawahkan fungsi kepatuhan the compliance function plays a role in mitigating risks,
berperan dalam melakukan mitigasi risiko, dengan dibantu assisted by the Compliance Work Unit (SKK), which is also
oleh Satuan Kerja Kepatuhan (SKK) yang juga bertugas tasked with implementing the Compliance Function and
melaksanakan Fungsi Kepatuhan dan mengoordinasikan coordinating efforts to improve Compliance Culture. Through
upaya peningkatan Budaya Kepatuhan. Melalui upaya these efforts, Bank Sinarmas confirms its strong commitment
tersebut, Bank Sinarmas menegaskan komitmen kuat to comply with regulatory regulations and provisions, as
untuk mematuhi peraturan dan ketentuan regulator, serta well as ensuring effective and efficient compliance risk
memastikan manajemen risiko kepatuhan yang efektif dan management in responding to changes in risk conditions.
efisien dalam merespons perubahan kondisi risiko.
Direktur Kepatuhan Compliance Director
Posisi Direktur Kepatuhan dijabat oleh Ibu Amandalia The position of Compliance Director is held by Mrs. Amandalia
382 Johanes, yang ditetapkan berdasarkan Persetujuan
Otoritas Jasa Keuangan melalui Surat Keputusan Anggota
Johanes, who was appointed based on the Approval of the
Financial Services Authority through the Decree of the Members
Ikhtisar Kinerja
Dewan Komisioner Otoritas Jasa Keuangan Nomor KEP- of the Board of Commissioners of the Financial Services
2024 109/D.03/2024 tanggal 30 Agustus 2024 dan Rapat Umum Authority Number KEP-109/D.03/2024 dated August 30, 2024
Pemegang Saham Luar Biasa tanggal 28 Oktober 2024. and the Extraordinary General Meeting of Shareholders dated
Laporan Uraian terkait tugas dan tanggung jawab Direktur Kepatuhan, October 28, 2024. Description of the duties and responsibilities
Manajemen sebagai berikut. of the Compliance Director, as follows:.
1. Merumuskan strategi guna mendorong terciptanya 1. Formulate strategies to encourage the creation of the
Profil Budaya Kepatuhan Bank. Bank’s Compliance Culture.
Perusahaan
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip 2. Propose compliance policies or compliance principles
kepatuhan termasuk penerapan program APU, PPT, including the implementation of APU, PPT, and PPPSPM
Analisis dan
Pembahasan dan PPPSPM yang akan ditetapkan oleh Direksi kepada programs that will be determined by the Board of
Manajemen Dewan Komisaris. Directors to the Board of Commissioners.
3. Menetapkan sistem dan prosedur kepatuhan yang 3. Determine the compliance systems and procedures
Tinjauan digunakan untuk menyusun ketentuan dan pedoman used to prepare the Bank’s internal provisions and
Pendukung
Bisnis
internal Bank. guidelines.
4. Melakukan review kebijakan, ketentuan, sistem, dan 4. Review policies, provisions, systems, and procedures,
TATA KELOLA prosedur, serta kegiatan usaha yang dilakukan Bank as well as business activities carried out by the Bank
PERUSAHAAN agar sesuai dengan ketentuan Otoritas Jasa Keuangan, to comply with the provisions of the Financial Services
ketentuan Bank Indonesia, dan ketentuan peraturan Authority, Bank Indonesia provisions, and provisions of
Laporan perundang-undangan. laws and regulations.
Keberlanjutan 5. Meminimalkan Risiko Kepatuhan Bank. 5. Minimize Bank Compliance Risk.
6. Melakukan tindakan pencegahan agar kebijakan dan/atau 6. Taking preventive measures so that policies and/or
keputusan yang diambil Direksi Bank atau pimpinan kantor decisions taken by the Bank’s Board of Directors or
cabang dari Bank yang berkedudukan di luar negeri tidak branch office managers of Banks domiciled abroad do
menyimpang dari ketentuan Otoritas Jasa Keuangan dan not deviate from the provisions of the Financial Services
ketentuan peraturan perundang-undangan. Authority and the provisions of laws and regulations.
7. Melakukan tugas lain yang terkait dengan Fungsi 7. Carrying out other tasks related to the Compliance
Kepatuhan, antara lain memantau dan menjaga Function, including monitoring and maintaining the
kepatuhan Bank terhadap komitmen yang dibuat oleh Bank’s compliance with commitments made by the Bank
Bank kepada Otoritas Jasa Keuangan maupun otoritas to the Financial Services Authority and other authorized
pengawas lain yang berwenang. supervisory authorities.
8. Melakukan pengawasan aktif terkait dengan penerapan 8. Carrying out active supervision related to the
program APU, PPT, dan PPPSPM. implementation of the APU, PPT, and PPPSPM programs.
9. Melaporkan pelaksanaan tugas dan tanggungjawabnya 9. Reporting the implementation of duties and
sebagaimana tercantum pada poin 1-8 di atas kepada responsibilities as stated in points 1-8 above to
Direktur Utama dengan tembusan kepada Dewan the President Director with a copy to the Board of
Komisaris paling sedikit secara triwulan. Commissioners at least quarterly.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 385
Tanggung Jawab Satuan Kerja Kepatuhan Responsibilities of the Compliance Work Unit
Tanggung jawab SKK Bank Sinarmas diuraikan sebagai The responsibilities of SKK Bank Sinarmas are described as
berikut. follows.
1. Membuat program dan langkah-langkah untuk 1. Create programs and steps to support the creation of
mendukung terciptanya Budaya Kepatuhan pada seluruh a Compliance Culture in all Bank business activities at
kegiatan usaha Bank pada setiap jenjang organisasi. every level of the organization.
2. Melakukan identifikasi, pengukuran, pemantauan, dan 2. Identify, measure, monitor, and control Compliance
pengendalian terhadap Risiko Kepatuhan dengan Risks by referring to the provisions of the Financial
mengacu pada ketentuan Otoritas Jasa Keuangan, Services Authority, Bank Indonesia, the Financial
Bank Indonesia, Pusat Pelaporan dan Analisis Transaksi Transaction Reports and Analysis Center, and other laws
Keuangan, serta ketentuan peraturan perundang- and regulations governing the implementation of risk
undangan lainnya yang mengatur mengenai penerapan management for commercial banks;
manajemen risiko bagi bank umum;
3. Menilai dan mengevaluasi efektivitas, kecukupan, 3. Assess and evaluate the effectiveness, adequacy, and
dan kesesuaian kebijakan, ketentuan, sistem maupun suitability of policies, provisions, systems and procedures
prosedur yang dimiliki oleh Bank dengan ketentuan
peraturan perundang-undangan.
owned by the Bank with the provisions of laws and
regulations.
383
4. Melakukan kaji ulang dan/atau merekomendasikan 4. Review and/or recommend updating and improving
2024
pengkinian dan penyempurnaan kebijakan, ketentuan, policies, provisions, systems and procedures owned by Performance
sistem maupun prosedur yang dimiliki oleh Bank agar the Bank to comply with the provisions of the Financial Highlights
sesuai dengan ketentuan Otoritas Jasa Keuangan, Services Authority, the provisions of Bank Indonesia and
ketentuan Bank Indonesia dan ketentuan peraturan other laws and regulations. Management
perundang-undangan lainnya. Report
5. Melakukan review kebijakan, ketentuan, sistem dan 5. Review policies, provisions, systems and procedures, as
prosedur, serta kegiatan usaha Bank agar sesuai dengan well as the Bank’s business activities to comply with the Company
ketentuan Otoritas Jasa Keuangan dan ketentuan provisions of the Financial Services Authority and other Profile
peraturan perundang-undangan lainnya. laws and regulations.
6. Melakukan tugas-tugas yang terkait dengan Fungsi 6. Performing tasks related to the Compliance Function,
Management
Kepatuhan, antara lain: including: Discussion and
a. Memastikan kepatuhan Bank terhadap komitmen a. Ensuring the Bank’s compliance with the Analysis
yang dibuat oleh Bank kepada Bank Indonesia, commitments made by the Bank to Bank Indonesia,
Otoritas Jasa Keuangan dan/atau otoritas pengawas the Financial Services Authority and/or other Business
lain yang berwenang. authorized supervisory authorities. Support
b. Melakukan pemantauan atas peraturan b. Monitoring laws and regulations that impact the Bank, Overview
perundangan-undangan yang berdampak pada compiling impact studies of laws and regulations and
Bank, menyusun kajian dampak dari peraturan submitting the results of these studies to the relevant CORPORATE
perundangan-undangan serta menyampaikan hasil work units for each external regulation that affects GOVERNANCE
kajian tersebut kepada unit kerja terkait untuk setiap the Bank’s operational activities;
peraturan eksternal yang berpengaruh terhadap Sustainability
kegiatan operasional Bank; Report
c. Memantau dan menganalisis penerapan ketentuan c. Monitoring and analyzing the implementation of
eksternal di unit kerja, baik melalui uji kepatuhan external provisions in the work unit, either through
(compliance testing) pada unit kerja yang bersangkutan compliance testing at the relevant work unit or based
maupun berdasarkan laporan hasil audit SKAI; on the SKAI audit report;
d. Memberikan opini/advice kepatuhan kepada unit-unit d. Providing compliance opinions/advice to work
kerja pada pengembangan aktivitas, produk, Pengajuan units on the development of activities, products,
fasilitas kredit baru atau pengajuan penambahan Submission of new credit facilities or submission
plafond/ limit fasilitas kredit untuk pihak terkait maupun of additional credit facility ceilings/limits for related
pihak tidak terkait yang diajukan secara single parties or unrelated parties submitted as a single
debitur maupun one obligor, Pengajuan fasilitas baru debtor or one obligor, Submission of new facilities,
perpanjangan atau perubahan fasilitas yang diajukan extensions or changes to facilities submitted by the
oleh Treasury & Financial Institution Group baik secara Treasury & Financial Institution Group either as a
single counterparty maupun one obligor termasuk single counterparty or one obligor including facilities
fasilitas untuk pihak terkait, penyusunan kebijakan dan for related parties, preparation of internal Bank
prosedur internal Bank yang memiliki risiko kepatuhan; policies and procedures that have compliance risks;
e. Melakukan review kepatuhan terhadap aktivitas e. Conducting compliance reviews on activities for
pengajuan pembukaan, penutupan, relokasi, opening, closing, relocation, upgrading branch
upgrade status cabang, dan jaringan kerja; status, and work networks;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 386
f. Berkoordinasi dengan unit kerja terkait dalam f. Coordinating with related work units in preparing
penyusunan dan pengkinian pedoman internal yang and updating internal guidelines related to the
terkait dengan penerapan manajemen risiko kepatuhan; implementation of compliance risk management;
g. Mengidentifikasi dan mengkinikan parameter g. Identifying and updating compliance risk parameters
serta profil risiko kepatuhan dalam setiap aktivitas and profiles in each functional activity and ensuring
fungsional dan memastikan bahwa risiko tersebut that the risks have been properly controlled by the
telah dikendalikan dengan baik oleh unit kerja related work units;
terkait;
h. Menyiapkan Laporan Direktur Kepatuhan yang h. Preparing the Compliance Director’s Report, which
wajib disampaikan kepada regulator maupun untuk must be submitted to the regulator or for the
kebutuhan pengawasan Direksi dan Komisaris Bank; supervision needs of the Bank’s Board of Directors
i. Melakukan koordinasi untuk pengajuan dan and Commissioners;
pemantauan atas pengajuan perizinan produk, i. Coordinating the submission and monitoring of
aktivitas, dan pengembangan sistem Bank di Otoritas product licensing applications, activities, and system
Jasa Keuangan dan/atau Bank Indonesia; development of the Bank at the Financial Services
384 j. Memantau dan menganalisa sanksi denda dari
regulator, mengidentifikasi akar penyebab denda
Authority and/or Bank Indonesia;
j. Monitoring and analyzing fines from regulators,
Ikhtisar Kinerja
dan mendorong dilakukan upaya korektif dan/atau identifying the root causes of fines and encouraging
2024 preventif guna mencegah terulangnya sanksi dan/ corrective and/or preventive efforts to prevent the
atau meminimalisasi sanksi denda; recurrence of sanctions and/or minimize fines;
Laporan k. Memantau pelaksanaan dan tindak lanjut pemenuhan
Manajemen ketentuan peraturan perundang-undangan yang k. Monitoring the implementation and follow-up of the
berdampak bagi bank; fulfillment of provisions of laws and regulations that
Profil l. Melakukan supervisi, mengkoordinasi, mendorong have an impact on the bank;
Perusahaan
serta memantau penerapan Good Corporate l. Supervising, coordinating, encouraging and
Governance (GCG), penerapan kepatuhan dan monitoring the implementation of Good Corporate
Analisis dan
Pembahasan keuangan berkelanjutan pada Bank; Governance (GCG), the implementation of
Manajemen m. Melakukan supervisi, koordinasi, serta memantau compliance and sustainable finance at the Bank;
penerapan GCG, penerapan kepatuhan pada m. Supervising, coordinating, and monitoring the
Tinjauan Konglomerasi Keuangan Grup Sinar Mas; implementation of GCG, the implementation of
Pendukung
Bisnis
compliance in the Sinar Mas Group Financial
n. Sebagai Liaison Officer Bank ke regulator atas Conglomerate;
TATA KELOLA pelaksanaan pengawasan maupun pemeriksaan n. As the Bank’s Liaison Officer to the regulator for the
PERUSAHAAN oleh regulator; dan implementation of supervision and inspection by the
o. Meningkatkan kesadaran atas budaya kepatuhan regulator; and
Laporan melalui program kampanye kepatuhan melalui media o. Increasing awareness of the culture of compliance
Keberlanjutan komunikasi internal dalam bentuk Compliance Info through a compliance campaign program through
(Co.In) dengan bentuk infografis yang bertujuan untuk internal communication media in the form of
memberikan refreshment peraturan perundang- Compliance Info (Co.In) in the form of infographics
undangan yang menarik dan mudah dipahami. that aim to provide an interesting and easy-to-
7. Melakukan tugas dalam rangka memastikan penerapan understand refreshment of laws and regulations.
peraturan perundang-undangan Anti Pencucian Uang, 7. Carrying out tasks to ensure the implementation of laws
Pencegahan Pendanaan Terorisme dan Pencegahan and regulations on Anti-Money Laundering, Prevention
Pendanaan Proliferasi Senjata Pemusnah Massal (APU, of Terrorism Funding and Prevention of Proliferation of
PPT, & PPPSPM) pada Bank, meliputi: Weapons of Mass Destruction (APU, PPT, & PPPSPM) at
a. Menganalisis secara berkala penilaian risiko Tindak the Bank, including:
Pidana Pencucian Uang (TPPU), Tindak Pidana a. Periodically analyze the risk assessment of Money
Pendanaan Terorisme (TPPT, dan/atau Pendanaan Laundering (TPPU), Terrorism Financing (TPPT), and/
Proliferasi Senjata Pemusnah Massal (PPSPM) terkait or Proliferation of Weapons of Mass Destruction
dengan nasabah, negara atau area geografis, (PPSPM) related to customers, countries or
produk, jasa, transaksi atau jaringan distribusi; geographic areas, products, services, transactions or
b. Menyusun, melakukan pengkinian, dan mengusulkan distribution networks;
kebijakan dan prosedur penerapan program APU, b. Prepare, update, and propose policies and procedures
PPT, & PPPSPM yang telah disusun untuk mengelola for implementing APU, PPT, & PPPSPM programs that
dan memitigasi risiko berdasarkan penilaian risiko, have been prepared to manage and mitigate risks
untuk dimintakan pertimbangan dan persetujuan based on risk assessments, to request consideration
Direksi dan persetujuan Komisaris untuk kebijakan; and approval from the Board of Directors and approval
from the Commissioner for policies;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 387
c. Melakukan pemantauan dan pengujian terhadap c. Monitor and test the implementation of APU, PPT &
penerapan program APU, PPT & PPPSPM yang PPPSPM programs that have an impact on the Bank
berdampak pada Bank dan unit kerja terkait; and related work units;
d. Melakukan pemantauan terhadap ketentuan d. Monitor the provisions of the Regulator and
Regulator dan peraturan penerapan program APU, applicable regulations for implementing APU, PPT &
PPT & PPPSPM yang berlaku; PPPSPM programs;
e. Melakukan kajian dan/atau memberikan opini/ e. Conduct studies and/or provide opinions/advice on
advice terhadap produk/layanan, ketentuan internal, products/services, internal provisions, financial and
formulir transaksi keuangan dan non-keuangan; non-financial transaction forms;
f. Memantau pengkinian profil nasabah; f. Monitor customer profile updates;
g. Memastikan adanya sistem yang dapat g. Ensure the existence of a system that can identify,
mengidentifikasi, menganalisis, memantau, dan analyze, monitor, and provide effective reports on
menyediakan laporan secara efektif mengenai the characteristics of transactions carried out by
karakteristik transaksi yang dilakukan oleh nasabah; customers;
h. Memantau dan menganalisis terhadap rekening h. Monitor and analyze customer accounts that do not
nasabah yang tidak sesuai dengan profil, karakteristik,
dan/atau kebiasaan pola transaksi nasabah;
match the profile, characteristics, and/or transaction
pattern habits of customers;
385
i. Melakukan evaluasi terhadap skenario/parameter i. Evaluate scenarios/parameters for monitoring
2024
pemantauan transaksi nasabah sesuai dengan customer transactions in accordance with the Performance
modus/tipologi yang berkembang; developing mode/typology; Highlights
j. Memelihara, mereview, mengkinikan, serta j. Maintain, review, update, and periodically socialize
mensosialisasikan secara berkala kriteria risiko the Bank’s risk criteria based on occupation, business Management
Bank berdasarkan pekerjaan, bidang usaha, negara/ field, country/citizenship, and products/services; Report
kewarganegaraan, dan produk/layanan;
k. Memelihara, mengkinikan daftar terduga teroris k. Maintain, update the list of suspected terrorists and Company
dan organisasi teroris, daftar pendanaan proliferasi terrorist organizations, the list of financing proliferation Profile
senjata pemusnah massal, serta daftar lainnya untuk of weapons of mass destruction, and other lists
kepentingan penerapan program APU, PPT & PPPSPM for the purposes of implementing the APU, PPT &
Management
serta memastikan identifikasi serta pemeriksaan PPPSPM programs and ensure the identification and Discussion and
daftar-daftar dimaksud terhadap database nasabah examination of the lists in question against the Bank’s Analysis
Bank sebelum proses pembukaan hubungan usaha, customer database before the process of opening a
secara ad hoc maupun berkala; business relationship, either ad hoc or periodically; Business
l. Menerima, melakukan analisis, dan menyusun l. Receive, analyze, and compile reports on suspicious Support
laporan transaksi keuangan mencurigakan dan/atau financial transactions and/or financial transactions Overview
transaksi keuangan yang dilakukan secara tunai carried out in cash submitted by the work unit;
yang disampaikan oleh satuan kerja; CORPORATE
m. Melaporkan Transaksi Keuangan Mencurigakan m. Reporting Suspicious Financial Transactions (LTKM), GOVERNANCE
(LTKM), Transaksi Keuangan Tunai (LTKT), Transaksi Cash Financial Transactions (LTKT), Overseas Fund
Transfer Dana dari dan ke Luar Negeri (LTKL), Transfer Transactions (LTKL), Integrated Service User Sustainability
Laporan Sistem Informasi Pengguna Jasa Terpadu Information System Reports (SIPESAT), Suspected Report
(SIPESAT), Sistem Informasi Terduga Pendanaan Terrorism Funding Information System (SIPENDAR),
Terorisme (SIPENDAR), Sistem Informasi Program Anti Anti-Money Laundering and Terrorism Funding
Pencucian Uang dan Pendanaan Terorisme (SIGAP), Program Information System (SIGAP), Individual Risk
Laporan Individual Risk Assessment (IRA), laporan Assessment (IRA) Reports, data update plan and
rencana dan realisasi pengkinian data, laporan APU, realization reports, APU, PPT & PPPSPM reports in
PPT & PPPSPM di Aplikasi Pelaporan Online Otoritas the Financial Services Authority Online Reporting
Jasa Keuangan (APOLO) sesuai ketentuan regulator Application (APOLO) in accordance with applicable
yang berlaku; regulatory provisions;
n. Menyusun laporan untuk kepentingan manajemen n. Prepare reports for the benefit of Bank management
Bank serta memenuhi kewajiban pelaporan ke and fulfill reporting obligations to regulators including
regulator antara lain namun tidak terbatas pada but not limited to Suspicious Financial Transactions
Transaksi Keuangan Mencurigakan (LTKM), Transaksi (LTKM), Cash Financial Transactions (LTKT), Overseas
Keuangan Tunai (LTKT), Transaksi Transfer Dana dari and Foreign Fund Transfer Transactions (LTKL),
dan ke Luar Negeri (LTKL), Laporan Sistem Informasi Integrated Service User Information System Reports
Pengguna Jasa Terpadu (SIPESAT), Sistem Informasi (SIPESAT), Suspected Terrorism Funding Information
Terduga Pendanaan Terorisme (SIPENDAR), Sistem System (SIPENDAR), Anti-Money Laundering and
Informasi Program Anti Pencucian Uang dan Pendanaan Terrorism Funding Program Information System
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 388
Terorisme (SIGAP), Laporan Individual Risk Assessment (SIGAP), Individual Risk Assessment (IRA) Reports,
(IRA), laporan rencana dan realisasi pengkinian data, data update plan and realization reports, APU, PPT
laporan APU, PPT & PPPSPM di Aplikasi Pelaporan & PPPSPM reports in the Financial Services Authority
Online Otoritas Jasa Keuangan (APOLO); Online Reporting Application (APOLO);
o. Melakukan pengawasan kuantitas pelaporan o. Supervise the quantity of reporting on Suspicious
terhadap Laporan Transaksi Keuangan Mencurigakan Financial Transaction Reports (LTKM), Cash Financial
(LTKM), Laporan Transaksi Keuangan Tunai (LTKT) Transaction Reports (LTKT) & Overseas Fund Transfer
& Laporan Transaksi Keuangan Transfer Dana dari Transaction Reports (LTKL) and supervise the quality
dan ke Luar Negeri (LTKL) dan pengawasan kualitas of alert monitoring & Suspicious Financial Transaction
pemantauan alert & Laporan Transaksi Keuangan Reports (LTKM);
Mencurigakan (LTKM);
p. Memantau, menganalisis, dan merekomendasikan p. Monitor, analyze, and recommend training needs on
kebutuhan pelatihan tentang penerapan program APU, the implementation of APU, PPT & PPPSPM programs
PPT & PPPSPM bagi pejabat dan/atau pegawai Bank; for Bank officials and/or employees;
q. Melakukan supervisi, mengkoordinasi, mendorong, q. Supervise, coordinate, encourage, and monitor the
386 serta memantau penerapan ketentuan APU, PPT
& PPPSPM pada Bank maupun konglomerasi
implementation of APU, PPT & PPPSPM provisions
at the Bank and the Sinar Mas Group financial
Ikhtisar Kinerja
keuangan Sinar Mas Group; conglomerate;
2024 r. Sebagai Liaison Officer Bank ke regulator, antara lain r. As the Bank’s Liaison Officer to the regulator,
pada aktivitas pengawasan dan pemeriksaan Bank including in the Bank’s supervision and inspection
Laporan oleh regulator; activities by the regulator;
Manajemen s. Melakukan review dan/atau menyusun ketentuan s. Review and/or prepare internal provisions, working
internal, kertas kerja dan alat bantu aktivitas papers and tools for compliance activities and the
Profil kepatuhan dan penerapan program APU, PPT, dan implementation of APU, PPT, and PPPSPM programs
Perusahaan
PPPSPM (termasuk untuk uji kepatuhan); (including for compliance tests);
t. Melaksanakan implementasi Quality Control (QC) t. Implement Quality Control (QC) supervision of
Analisis dan
Pembahasan pengawasan terhadap kuantitas dan Quality quantity and Quality Assurance (QA) supervision of
Manajemen Assurance (QA) pengawasan terhadap kualitas the quality of APU, PPT, and PPPSPM reporting; and
pelaporan APU, PPT, dan PPPSPM; dan
Tinjauan u. Menyiapkan program dan materi pelatihan u. Prepare training programs and materials and
Pendukung
Bisnis
dan sosialisasi kepatuhan serta memastikan socialization of compliance and ensure their delivery
penyampaiannya kepada karyawan dan unit kerja to employees and work units of the Bank including
TATA KELOLA Bank termasuk untuk penerapan program APU, PPT, for the implementation of APU, PPT, and PPPSPM
PERUSAHAAN dan PPPSPM; programs;
8. Membangun data base peraturan regulator yang 8. Build a complete and up-to-date database of regulatory
Laporan berkaitan dengan bisnis Perusahaan secara lengkap dan regulations related to the Company’s business.
Keberlanjutan terkini.
9. Menyebarkan referensi kepatuhan dan 9. Disseminate compliance references and disseminate
mensosialisasikannya. them.
10. Berfungsi sebagai tempat berdiskusi seluruh karyawan 10. Serve as a place for all employees to discuss matters
mengenai hal-hal yang terkait dengan peraturan related to regulatory regulations, as well as a place to
regulator, serta tempat berdiskusi dengan satuan discuss with the legal work unit regarding laws and
kerja hukum terkait peraturan perundang-undangan regulations related to regulatory regulations. In carrying
yang berkaitan dengan peraturan regulator. Dalam out this function, the Compliance Work Unit can request
pelaksanaan fungsi ini, Satuan Kerja Kepatuhan dapat assistance from experts from within or outside the Bank
meminta bantuan para ahli dari dalam maupun dari luar according to the questions asked.
Bank sesuai dengan pertanyaan yang diajukan.
11. Memiliki wewenang untuk melakukan pemeriksaan 11. Have the authority to conduct direct inspections of
langsung ke unit bisnis maupun unit pendukung (uji business units and supporting units (compliance tests).
kepatuhan). Dalam melakukan pemeriksaan wewenang In conducting inspections, the authority granted includes
yang diberikan meliputi akses untuk memeriksa semua access to examine all transaction evidence, records and
bukti transaksi, catatan maupun dokumen. documents.
12. Secara proaktif, Satuan Kerja Kepatuhan mengidentifikasi 12. Proactively, the Compliance Work Unit identifies
risiko kepatuhan yang melekat pada setiap transaksi compliance risks inherent in each transaction including
termasuk dengan adanya produk dan/atau transaksi baru. the existence of new products and/or transactions.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 389
13. Melakukan pemantauan dan memberikan masukan, 13. Monitor and provide input, suggestions or opinions and
usulan maupun opini dan klarifikasi terhadap praktik yang clarifications on practices carried out by the Bank. For
dilakukan oleh Bank. Terhadap praktik yang tidak sesuai practices that are not in accordance with applicable
dengan peraturan regulator yang berlaku, Satuan Kerja regulatory regulations, the Compliance Work Unit has
Kepatuhan memiliki wewenang kepada unit kerja meminta the authority to the work unit to request that necessary
dilakukannya tindakan perbaikan yang diperlukan. corrective actions be taken.
14. Melakukan koordinasi secara berkala kepada Satuan 14. Conduct regular coordination with the Risk Management
Kerja Manajemen Risiko terkait risiko kepatuhan yang Work Unit regarding compliance risks that have the
berpotensi dan berdampak terhadap sanksi kepada potential to have an impact on sanctions for the Bank in
Bank secara umum. general.
15. Bertindak sebagai penghubung Perusahaan dengan 15. Act as a liaison between the Company and the
pihak otoritas/regulator atau pihak lain yang memiliki authorities/regulators or other parties who have the
wewenang untuk melakukan pengawasan terhadap authority to supervise the Bank and/or make regulations
Bank dan/atau membuat peraturan yang memiliki that have an impact on the Bank.
dampak pada Bank. 16. Conduct reviews and/or recommend updates and
16. Melakukan kaji ulang dan/atau merekomendasikan
pengkinian dan penyempurnaan kebijakan, ketentuan,
improvements to policies, provisions, systems and
procedures owned by the Bank to comply with regulatory
387
sistem maupun prosedur yang dimiliki oleh Bank agar provisions, especially the Financial Services Authority
2024
sesuai dengan ketentuan regulator, khususnya Otoritas and Bank Indonesia. Performance
Jasa Keuangan dan Bank Indonesia. 17. Make efforts to ensure that the Bank’s policies, provisions, Highlights
17. Melakukan upaya untuk memastikan bahwa kebijakan, systems and procedures, as well as business activities
ketentuan, sistem dan prosedur, serta kegiatan usaha are in accordance with the provisions of the Financial Management
Bank telah sesuai dengan ketentuan Otoritas Jasa Services Authority and other regulatory provisions. Report
Keuangan dan ketentuan regulator lainnya. 18. Conduct identification, measurement, monitoring
18. Melakukan identifikasi, pengukuran, pemantauan, dan and control of Compliance Risk by referring to OJK Company
pengendalian terhadap Risiko Kepatuhan dengan provisions on the implementation of risk management for Profile
mengacu pada ketentuan OJK penerapan manajemen Commercial Banks. In order to carry out the Compliance
riisko bagi Bank Umum. Dalam rangka melakukan proses Risk management process, the compliance work unit
Management
pengelolaan Risiko Kepatuhan, satuan kerja kepatuhan coordinates with the risk management work unit. Discussion and
berkoordinasi dengan satuan kerja manajemen risiko. 19. Assess and evaluate the effectiveness, adequacy, and Analysis
19. Menilai dan mengevaluasi efektivitas, kecukupan, suitability of policies, provisions, systems and procedures
dan kesesuaian kebijakan, ketentuan, sistem owned by the Bank with the provisions of laws and Business
maupun prosedur yang dimiliki oleh Bank dengan regulations, including assessing drafts of new policies, Support
ketentuan peraturan perundang-undangan, antara provisions, systems and procedures, taking the initiative Overview
lain menilai rancangan kebijakan, ketentuan, sistem to improve policies, provisions, systems and procedures
maupun prosedur baru, berinisiatif untuk melakukan based on the information obtained. CORPORATE
penyempurnaan kebijakan, ketentuan, sistem maupun GOVERNANCE
prosedur berdasarkan informasi yang diperoleh. 20. Conduct socialization and/or training regarding laws and
20. Melakukan sosialisasi dan/atau pelatihan mengenai regulations issued by BI and/or OJK or other authorized Sustainability
peraturan perundang-undangan yang diterbitkan oleh BI authorities to all related work units to improve employee Report
dan/atau OJK maupun otoritas lainnya yang berwenang compliance understanding and awareness.
kepada seluruh unit kerja yang terkait untuk meningkatkan
pemahaman dan kesadaran kepatuhan karyawan. 21. Follow up on every request from BI and/or OJK or other
21. Menindaklanjuti setiap permintaan BI dan/atau OJK authorities in providing information/data for the purpose
maupun otoritas lainnya dalam menyediakan informasi/ of Bank supervision.
data dalam rangka pengawasan Bank. 22. Follow up on every audit finding from BI and/or OJK or
22. Menindaklanjuti setiap temuan audit BI dan/atau OJK other authorities and resolve it in accordance with the
maupun otoritas lainnya serta menyelesaikannya agreed commitment by coordinating with related work
sesuai dengan komitmen yang telah disepakati dengan units.
berkoordinasi dengan unit kerja terkait.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 390
Struktur Organisasi Kepatuhan Compliance Organization Structure
Director
Compliance Group Head
Compliance
Advisory
& Testing Division
Head
388
Compliance
Compliance Advisory
Ikhtisar Kinerja Advisory & Compliance Compliance & Testing Lead
Testing Lead Advisory & Advisory &
2024 Advisor (GCG, Testing Lead Testing Lead Advisor
(Treasury & FI, Risk
Anti Penyuapan & Advisor (Credit, Advisor Management,
Regulator SF & Liaison) (Digital & IT) Securities
Laporan Reporting) Services.Support)
Manajemen
Profil Compliance
Perusahaan Compliance
Advisory & Compliance Compliance Compliance
Advisory
Testing Team Advisory & Advisory & Advisory
& Testing Advisor
Leader (GCG, Testing Testing & Testing Advisor
(Risk
Anti Penyuapan & Advisor (Credit, Advisor (Securities
Analisis dan Management &
Regulator SF & Liaison) (Digital & IT) Services &.Support)
Support)
Pembahasan Reporting)
Manajemen
Tinjauan Compliance Compliance
Pendukung Compliance Compliance
Advisory & Advisory & Compliance
Advisory & Advisory
Bisnis Testing Junior Testing Junior Advisory &
Testing & Testing Junior
Advisor (GCG, Advisor (Anti Testing
Junior Advisor Advisor
Anti Penyuapan & Penyuapan Junior Advisor
(Credit, (Treasury & FI,
Regulator Regulator (Digital & IT)
SF & Liaison) .Support)
TATA KELOLA Reporting) & Reporting)
PERUSAHAAN
Laporan
Keberlanjutan
SKK terdiri dari 3 Divisi sebagai berikut.
1. Divisi Compliance Advisory & Testing
2. Divisi APU, PPT, & PPPSPM.
3. Divisi Compliance, APU, PPT, & PPPSPM, MIS & Quality Management.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 391
Compliance APU
PPT &
APU PPT PPPSPM MIS &
& PPPSPM Quality
Division Head Management
Division
Head
389
APU PPT 2024
APU PPT APU PPT & PPPSPM
& PPPSPM & PPPSPM Quality Control & Performance
Department Head MIS Lead Analyst Quality Assurance Highlights
Lead Analyst
Management
Report
APU PPT
APU PPT APU PPT APU PPT & PPPSPM
& PPPSPM & PPPSPM Compliance MIS Company
& PPPSPM Quality Control &
Reporting Team Advisory & Policy Analyst MIS Analyst Quality Assurance Profile
Leader Team Leader Analyst
Management
Discussion and
Analysis
APU PPT APU PPT APU PPT
& PPPSPM & PPPSPM & PPPSPM
Monitoring Junior Reporting Junior Advisory & Policy
Officer Officer Junior Officer Business
Support
Overview
CORPORATE
GOVERNANCE
SKK terdiri dari 3 Divisi sebagai berikut.
1. Divisi Compliance Advisory & Testing
2. Divisi APU, PPT, & PPPSPM. Sustainability
3. Divisi Compliance, APU, PPT, & PPPSPM, MIS & Quality Management. Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 392
Profil Kepala SKK Profile of SKK Head
Theresia Tyas Piwi Dasar Hukum Pengangkatan
Pjs Compliance Group Head Legal Basis for Appointment
Acting Compliance Group Head
SK.075/2024/PRESDIR-HCM
Kewarganegaraan | Citizenship
Indonesia
Domisili | Domicile
Jakarta
Usia | Age
34 tahun | years old
390
Ikhtisar Kinerja
2024
Riwayat Pendidikan | Educational Background Rangkap Jabatan | Concurrent Position
• S1 Akuntansi – Universitas Atma Jaya Yogyakarta Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau
Laporan
• S2 Magister Management – Universitas Atmajaya Yogyakarta lembaga lain.
Manajemen • S1 Accounting – Universitas Atma Jaya Yogyakarta Does not hold concurrent positions, either in banks, companies, and/or
• S2 Magister Management – Universitas Atma Jaya Yogyakarta other institutions.
Profil
Perusahaan Riwayat Pekerjaan | Work Experience Sertifikasi Profesi | Professional Certification
1. Oktober 2013 – Juni 2014: MDP 42 Bank Sinarmas Sertifikasi UKMR Jenjang 5
2. Juni 2014 - Maret 2018 : Account Officer Corporate Banking KCU UKMR Level 5 Certification
Analisis dan Jakarta Thamrin
Pembahasan 3. April 2018 - Mei 2021 : Corporate Credit Analyst KPNO Hubungan Afiliasi | Affiliated Relationship
Manajemen 4. Juni 2021 - Juli 2021 : Corporate Credit Analyst & Policy Division Head Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris,
KPNO Direksi, dan Pemegang Saham Pengendali.
5. Agustus 2021 : Compliance Advisory & Testing Division Head Has no affiliation with members of the Board of Commissioners, Board of
Tinjauan (Corporate Business & Enterprise) KPNO Directors, and Controlling Shareholders.
Pendukung 6. September 2021 - November 2022 : Compliance Advisory & Testing
Bisnis Division Head (GCG, Anti Penyuapan, Sustainable Finance, Regulatory
Reporting & Liaison, & Credit) KPNO
7. Desember 2022 - Maret 2024 : Compliance Advisory & Testing Division
TATA KELOLA Head (GCG, Anti Penyuapan, SF, Credit, Digital & IT) KPNO
PERUSAHAAN 8. April 2024 - Desember 2024 : Compliance Advisory & Testing Division
Head KPNO
1. October 2013 – June 2014: MDP 42 Bank Sinarmas
Laporan 2. June 2014 - March 2018: Account Officer Corporate Banking KCU
Keberlanjutan Jakarta Thamrin
3. April 2018 - May 2021: Corporate Credit Analyst KPNO
4. June 2021 - July 2021: Corporate Credit Analyst & Policy Division Head
KPNO
5. August 2021: Compliance Advisory & Testing Division Head (Corporate
Business & Enterprise) KPNO
6. September 2021 - November 2022: Compliance Advisory & Testing
Division Head (GCG, Anti Bribery, Sustainable Finance, Regulatory
Reporting & Liaison, & Credit) KPNO
7. December 2022 - March 2024: Compliance Advisory & Testing Division
Head (GCG, Anti Bribery, SF, Credit, Digital & IT) KPNO
8. April 2024 - December 2024 : Compliance Advisory & Testing Division
Head KPNO
Pengembangan Kompetensi Satuan Kerja Kepatuhan Compliance Work Unit Competency Development
Bank Sinarmas memfasilitasi personel SKK, baik kepala Bank Sinarmas facilitates SKK personnel, both heads and
maupun SDM di lingkungan SKK, untuk mengikuti berbagai HR within the SKK environment, to participate in various
program pengembangan kompetensi. Langkah ini dilakukan competency development programs. This step is taken to
untuk memastikan personel SKK memiliki kompetensi yang ensure that SKK personnel have the competencies needed
diperlukan untuk menjalankan perannya secara efektif dalam to carry out their roles effectively in supporting the success
mendukung kesuksesan dan keberlanjutan Bank. Informasi and sustainability of the Bank. Information regarding the SKK
mengenai program pengembangan kompetensi personel personnel competency development program in 2024 is
SKK pada tahun 2024 diungkapkan sebagai berikut. disclosed as follows.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 393
Pengembangan Kompetensi Kepala Satuan Competency Development for the Head of the
Kerja Kepatuhan Compliance Work Unit
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
11 Januari 2024 11 Januari 2024 Otoritas Jasa
Connecting the Dots Online Training
January 11, 2024 January 11, 2024 Keuangan - OJK
15 Januari 2024 15 Maret 2024
Fraud Awareness E-Learning Bank Sinarmas
January 15, 2024 March 15, 2024
26 Januari 2024 26 Januari 2024
Motivational Session : Dream T.E.A.M Jakarta Bank Sinarmas
January 26, 2024 January 26, 2024
19 Februari 2024 19 Februari 2024
Training Google Workspace Jakarta Bank Sinarmas
February 19, 2024 February 19, 2024
22 Februari 2024 22 Februari 2024 Otoritas Jasa
Outlook Ekonomi dan Keuangan di Tahun 2024 Online Training
February 22, 2024 February 22, 2024 Keuangan - OJK
Strategi Mencegah Serangan Siber
29 Februari 2024
February 29, 2024
29 Februari 2024
February 29, 2024
Online Training
Otoritas Jasa
Keuangan - OJK 391
4 Maret 2024 4 Maret 2024 Otoritas Jasa
Indonesian Banking Road to Net Zero Emission Jakarta
March 4, 2024 March 4, 2024 Keuangan - OJK 2024
Performance
Artificial Intelligence Changes The Face of The 7 Maret 2024 7 Maret 2024 Otoritas Jasa
Online Training Highlights
Financial Sector March 7, 2024 March 7, 2024 Keuangan - OJK
Kode Etik & Kebijakan Perlindungan Nasabah 13 Maret 2024 11 Mei 2024
Online Training Bank Sinarmas
Code of Ethics and Customer Protection Policy March 13, 2024 May 11, 2024 Management
Panduan Climate Risk Management and Scenario Report
Analysis 28 Maret 2024 28 Maret 2024 Otoritas Jasa
Jakarta
Climate Risk Management and Scenario Analysis March 28, 2024 March 28, 2024 Keuangan - OJK
Guidelines Company
Profile
Dampak Konglomerasi Bank Terhadap Kinerja dan
Stabilitas 23 April 2024 23 April 2024 Otoritas Jasa
Online Training
Impact of Bank Conglomeration on Performance and April 23, 2024 April 23, 2024 Keuangan - OJK
Stability Management
Discussion and
Open Class : High Heels And High Goals: Climbing 24 April 2024 24 April 2024 Analysis
Online Training Bank Sinarmas
the Career Journey Without Pause April 24, 2024 April 24, 2024
6 Mei 2024 6 Mei 2024
Governance, Risk, And Control Jakarta Bank Sinarmas
May 6, 2024 May 6, 2024 Business
Support
7 Mei 2024 7 Mei 2024
GRC Sharing Session Jakarta Bank Sinarmas Overview
May 7, 2024 May 7, 2024
Pembekalan Masa Persiapan Pensiun (MPP ) Bagi
Karyawan Bank Sinarmas 20 Mei 2024 22 Mei 2024 CORPORATE
Jakarta Bank Sinarmas
Provision for Retirement Preparation Period (MPP) for May 20, 2024 May 22, 2024 GOVERNANCE
Bank Sinarmas Employees
27 Mei 2024 16 Agustus 2024
Security Awareness 2024 Online Training Bank Sinarmas
May 27, 2024 August 16, 2024 Sustainability
Rancangan SKKNII Manajemen Risiko Perbankan 4 Juni 2024 4 Juni 2024 Otoritas Jasa
Report
Cirebon
Draft of SKKNII Banking Risk Management June 4, 2024 June 4, 2024 Keuangan - OJK
Forum Komunikasi
Peraturan Pemerintah Tentang Perlindungan Data Pribadi 5 Juni 2024 5 Juni 2024
Online Training Direktur Kepatuhan
Government Regulation on Personal Data Protection June 5, 2024 June 5, 2024
Perbankan - FKDKP
28 Juni 2024 28 Juni 2024 Otoritas Jasa
Climate Risk Management Policy Development Jakarta
June 28, 2024 June 28, 2024 Keuangan - OJK
5 Agustus 2024 8 Agustus 2024
Enterprise Architecture Jumpstart Jakarta Bank Sinarmas
August 5, 2024 August 8, 2024
Pendidikan Peningkatan Kompetensi dengan Topik
Perkumpulan Wakil
Liquidity Risk Management 23 Agustus 2024 23 Agustus 2024
Online Training Manajer Investasi
Competency Enhancement Education with the Topic August 23, 2024 August 23, 2024
Indonesia (PWMII)
of Liquidity Risk Management
23 Agustus 2024 23 Agustus 2024
Untold Story Online Training Bank Sinarmas
August 23, 2024 August 23, 2024
30 Agustus 2024 30 Agustus 2024
Town Hall Meeting Q2-2024 Jakarta Bank Sinarmas
August 30, 2024 August 30, 2024
Customer Centricity - The Cornerstone of Sustainable 3 September 2024 5 September 2024
Jakarta Bank Sinarmas
Business Growth September 3, 2024 September 5, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 394
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Perkumpulan Wakil
Pendidikan Peningkatan Berkelanjutan 4 September 2024 4 September 2024
Online Training Manajer Investasi
Continuous Improvement Education September 4, 2024 September 4, 2024
Indonesia (PWMII)
Undang-undang Perlindungan Data Pribadi 6 September 2024 6 September 2024
Jakarta Bank Sinarmas
Personal Data Protection Act September 6, 2024 September 6, 2024
Kerangka Kerja Terbaru Risiko Pasar Fundamental
Review of Trading Book (FRTB) 10 September 2024 11 September 2024
Jakarta Bank Sinarmas
Latest Framework Fundamental Market Risk Review September 10, 2024 September 11, 2024
of Trading Book (FRTB)
18 September 2024 18 September 2024
AI Day Worshop Jakarta Bank Sinarmas
September 18, 2024 September 18, 2024
Pelatihan Kompetensi Sertifikasi Certified Anti Fraud
Governance (CAFG) 19 September 2024 20 September 2024
Online Training GRC Management
Certified Anti Fraud Governance (CAFG) Certification September 19, 2024 September 20, 2024
Competency Training
392 Uji Kompetensi Sertifikasi CAFG
CAFG Certification Competency Test
23 September 2024
September 23, 2024
23 September 2024
September 23, 2024
Jakarta GRC Management
25 September 2024 26 September 2024
Ikhtisar Kinerja Training Coso ERM Jakarta Bank Sinarmas
September 25, 2024 September 26, 2024
2024
21 Oktober 2024 21 Oktober 2024 Otoritas Jasa
Seminar Climate Risk Jakarta
October 21, 2024 October 21, 2024 Keuangan - OJK
Laporan
Workshop Menyusn Financial Contingency Plan 29 Oktober 2024 30 Oktober 2024
Manajemen Online Training GRC Management
Workshop on Preparing a Financial Contingency Plan October 29, 2024 October 30, 2024
5 November 2024 6 November 2024
Profil Product Workshop Jakarta Bank Sinarmas
November 5, 2024 November 6, 2024
Perusahaan
11 November 2024 13 November 2024 SCRUM ASIA
APG Typologies Workshop Kuala Lumpur
November 11, 2024 November 13, 2024 PASIFIK
Analisis dan
Pembahasan Memerangi Judi Online dan Kejahatan Baru di Era
Pusat Pelaporan dan
Transaksi Digital 5.0 19 November 2024 19 November 2024
Manajemen Jakarta Analisis Transaksi
Combating Online Gambling and New Crimes in the November 19, 2024 November 19, 2024
Keuangan - PPATK
Era of Digital Transactions 5.0
Tinjauan Risk and Governance Summit 2024: Strengthening
Pendukung 26 November 2024 26 November 2024 Otoritas Jasa
The GRC Ecosystem in The Financial Sector to Jakarta
Bisnis November 26, 2024 November 26, 2024 Keuangan - OJK
Support the Golden Indonesia 2024 Vision
Resolusi & Recovery Plan 28 November 2024 29 November 2024
TATA KELOLA Jakarta Bank Sinarmas
Resolution & Recovery Plan November 28, 2024 November 29, 2024
PERUSAHAAN
27 Desember 2024 31 Desember 2024
APU, PPT, & PPPSPM Jakarta Bank Sinarmas
December 27, 2024 December 31, 2024
Laporan
Keberlanjutan
Pelatihan Internal Satuan Kerja Kepatuhan
Internal Compliance Work Unit Training
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Open Class : Pemahaman Sustainability Dan
Peraturan OJK Tentang Keuangan Berkelanjutan 10 Januari 2024 10 Januari 2024
Jakarta Bank Sinarmas
Open Class: Understanding Sustainability and OJK January 10, 2024 January 10, 2024
Regulations on Sustainable Finance
12 Januari 2024 19 Februari 2024
MDP: Modul Banking Business (Lending) Jakarta Bank Sinarmas
January 12, 2024 February 19, 2024
Sosialisasi Pengkinian Sandi Sektor Ekonomi pada
Sistem Bank 12 Januari 2024 12 Januari 2024
Online Training Bank Sinarmas
Socialization of Updating Economic Sector Codes in January 12, 2024 January 12, 2024
the Banking System
15 Januari 2024 15 Maret 2024
Fraud Awareness E-Learning Bank Sinarmas
January 15, 2024 March 15, 2024
16 Januari 2024 16 Januari 2024
GWS Collaborations Tools Jakarta Bank Sinarmas
January 16, 2024 January 16, 2024
Refreshment Pengisian Kertas Kerja Self Assesment
APU, PPT, dan PPPSPM 18 Januari 2024 18 Januari 2024
Online Training Bank Sinarmas
Refreshment of Filling in the Self Assessment APU, January 18, 2024 January 18, 2024
PPT, and PPPSPM Working Papers
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 395
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Teknik dan Cara Efisien dalam Penyusunan Kebijakan
dan Prosedur (SOP) Perbankan Sesuai POJK No. 18/
POJK.03/2016 18 Januari 2024 19 Januari 2024
Jakarta Bank Sinarmas
Efficient Techniques and Methods in Preparing January 18, 2024 January 19, 2024
Banking Policies and Procedures (SOP) According to
POJK No. 18/POJK.03/2016
26 Januari 2024 26 Januari 2024
Motivational Session : Dream T.E.A.M Online Training Bank Sinarmas
January 26, 2024 January 26, 2024
31 Januari 2024 6 Februari 2024
Google Workspace for Communication (Self Learning) E-Learning Bank Sinarmas
January 31, 2024 February 6, 2024
Podcast : Ketika Perselisihan Terjadi Dalam Hubungan
Industrial, Harus Gimana Donkkk?! 31 Januari 2024 31 Januari 2024
Online Training Bank Sinarmas
Podcast: When Disputes Occur in Industrial Relations, January 31, 2024 January 31, 2024
What Should We Do?!
5 Februari 2024 14 Juni 2024
Relationship Manager Development Program - RMDP Jakarta Bank Sinarmas
February 5, 2024 June 14, 2024
Podcast : Sedia Payung Sebelum Cuan 7 Februari 2024 7 Februari 2024
Online Training Bank Sinarmas
393
Podcast: Prepare an Umbrella Before Profit February 7, 2024 February 7, 2024
Program Binus Internship 16 Februari 2024 29 Februari 2024 2024
Jakarta Bank Sinarmas
Binus Internship Program February 16, 2024 February 29, 2024 Performance
Highlights
STOP OVERTHINKING! Jangan Takut Sama
Tantangan di Dunia Kerja 16 Februari 2024 16 Februari 2024
Online Training Bank Sinarmas
STOP OVERTHINKING! Don’t Be Afraid of Challenges February 16, 2024 February 16, 2024
in the World of Work Management
Report
Refreshment APU PPT, Identifikasi Beneficial Owner 19 Februari 2024 19 Februari 2024
Online Training Bank Sinarmas
APU PPT Refreshment, Identifying Beneficial Owners February 19, 2024 February 19, 2024
19 Februari 2024 19 Februari 2024 Company
Training Google Workspace Jakarta Bank Sinarmas
February 19, 2024 February 19, 2024 Profile
27 Februari 2024 8 Maret 2024
Trainer's Leveraging Competency Online Training Bank Sinarmas
February 27, 2024 March 8, 2024
Management
Re-sertifikasi Manajemen Risiko Jenjang 5 28 Februari 2024 29 Februari 2024 Discussion and
Online Training Bank Sinarmas
Re-certification of Risk Management Level 5 February 28, 2024 February 29, 2024 Analysis
29 Februari 2024 29 Februari 2024
GWS Champion User Jakarta Bank Sinarmas
February 29, 2024 February 29, 2024
Business
Sosialisasi Pengisian Kertas Kerja Evaluasi Penerapan
Support
APU, PPT, dan PPPSPM Terintegrasi Konglomerasi
Overview
Keuangan Sinar Mas Tahun 2024
29 Februari 2024 29 Februari 2024
Socialization of Completion of Working Paper Online Training Bank Sinarmas
February 29, 2024 February 29, 2024
Evaluation of Integrated APU, PPT, and PPPSPM
Implementation of Sinar Mas Financial Conglomerate CORPORATE
in 2024 GOVERNANCE
7 Maret 2024 7 Maret 2024
GWS Champion User Jakarta Bank Sinarmas
March 7, 2024 March 7, 2024
Sustainability
13 Maret 2024 11 Mei 2024 Report
APU, PPT, & PPPSPM Online Training Bank Sinarmas
March 13, 2024 May 11, 2024
Kode Etik & Kebijakan Perlindungan Nasabah 13 Maret 2024 11 Mei 2024
Online Training Bank Sinarmas
Code of Ethics and Customer Protection Policy March 13, 2024 May 11, 2024
13 Maret 2024 13 Maret 2024
Podcast #16 Tour The Klaim Online Training Bank Sinarmas
March 13, 2024 March 13, 2024
14 Maret 2024 14 Maret 2024
GWS Champion User Jakarta Bank Sinarmas
March 14, 2024 March 14, 2024
TOUR THE KLAIM (KACAMATA DAN GIGI) - NgapDate 14 Maret 2024 14 Maret 2024
Online Training Bank Sinarmas
Vol-16 March 14, 2024 March 14, 2024
Sosialisasi SK Wewenang Komite Kredit Corporate
dan Commercial dan FI 15 Maret 2024 15 Maret 2024
Online Training Bank Sinarmas
Socialization of the Decree on the Authority of the March 15, 2024 March 15, 2024
Corporate and Commercial Credit Committee and FI
18 Maret 2024 4 Mei 2024
Senior Relationship Officer Online Training Bank Sinarmas
March 18, 2024 May 4, 2024
21 Maret 2024 21 Maret 2024
GWS Champion User Jakarta Bank Sinarmas
March 21, 2024 March 21, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 396
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Ada Apa Dengan Certification Manajemen Risiko -
Ngapdate Vol-17 27 Maret 2024 27 Maret 2024
Online Training Bank Sinarmas
What’s Up With Risk Management Certification - March 27, 2024 March 27, 2024
Ngapdate Vol-17
17 April 2024 17 April 2024
Fraud Awareness Online Training Bank Sinarmas
April 17, 2024 April 17, 2024
18 April 2024 18 April 2024
Google Workspace Train The Trainer Jakarta Bank Sinarmas
April 18, 2024 April 18, 2024
Pelatihan Penyusun Laporan Individual Risk
Assessment (IRA) ke OJK 20 April 2024 27 April 2024
Jakarta Bank Sinarmas
Training for Compiling Individual Risk Assessment April 20, 2024 April 27, 2024
(IRA) Reports to OJK
22 April 2024 31 Mei 2024
Branch Supervisory Skills Online Training Bank Sinarmas
April 22, 2024 May 31, 2024
Open Class : High Heels And High Goals: Climbing 24 April 2024 24 April 2024
Online Training Bank Sinarmas
394 The Career Journey Without Pause
Sertifikasi Manajemen Risiko Jenjang 4
April 24, 2024
24 April 2024
April 24, 2024
25 April 2024
Online Training Bank Sinarmas
Risk Management Certification Level 4 April 24, 2024 April 25, 2024
Ikhtisar Kinerja
2024 Re-sertifikasi Manajemen Risiko Jenjang 5 8 Mei 2024 8 Juni 2024
Online Training Bank Sinarmas
Risk Management Re-certification Level 5 May 8, 2024 June 8, 2024
Open Class : Menembus Batas B.I.S.A (Bersyukur,
Laporan
Inisiatif, Sinergi dan Adaptif) 13 Mei 2024 13 Mei 2024
Manajemen Jakarta Bank Sinarmas
Open Class: Breaking Through the B.I.S.A Limits May 13, 2024 May 13, 2024
(Gratitude, Initiative, Synergy and Adaptive)
Profil Sertifikasi Manajemen Risiko Jenjang 4 13 Mei 2024 14 Mei 2024
Perusahaan Online Training Bank Sinarmas
Risk Management Certification Level 4 May 13, 2024 May 14, 2024
14 Mei 2024 14 Mei 2024
Analisis dan Open Class : Healing The Inner Child Online Training Bank Sinarmas
May 14, 2024 May 14, 2024
Pembahasan
Sosialisasi Hasil Compliance Testing APU, PPT, dan
Manajemen
PPPSPM periode Semester II 2023 15 Mei 2024 15 Mei 2024
Online Training Bank Sinarmas
Socialization of APU, PPT, and PPPSPM Compliance May 15, 2024 May 15, 2024
Tinjauan Testing Results for Semester II 2023
Pendukung 16 Mei 2024 16 Mei 2024
Bisnis Onboarding New Employee (HC Regulation) Jakarta Bank Sinarmas
May 16, 2024 May 16, 2024
16 Mei 2024 16 Mei 2024
TATA KELOLA Podcast : Update Modus Penipuan Digital Saat Ini Online Training Bank Sinarmas
May 16, 2024 May 16, 2024
PERUSAHAAN
Re-sertifikasi Manajemen Risiko Jenjang 5 20 Mei 2024 21 Mei 2024
Online Training Bank Sinarmas
Risk Management Level 5 Re-certification May 20, 2024 May 21, 2024
Laporan
Sertifikasi Manajemen Risiko Jenjang 4 20 Mei 2024 21 Mei 2024
Keberlanjutan Online Training Bank Sinarmas
Risk Management Level 4 Certification May 20, 2024 May 21, 2024
27 Mei 2024 16 Agustus 2024
Security Awareness 2024 Online Training Bank Sinarmas
May 27, 2024 August 16, 2024
Refreshment APU, PPT, dan PPPSPM 4 Juni 2024 4 Juni 2024
Online Training Bank Sinarmas
Refreshment APU, PPT, and PPPSPM June 4, 2024 June 4, 2024
Re-sertifikasi Manajemen Risiko Jenjang 5 6 Juni 2024 6 Juli 2024
Online Training Bank Sinarmas
Re-certification of Risk Management Level 5 June 6, 2024 July 6, 2024
10 Juni 2024 30 Juni 2024
Induction New Joiner Online Training Bank Sinarmas
June 10, 2024 June 30, 2024
Re-sertifikasi Manajemen Risiko Jenjang 5 10 Juni 2024 11 Juni 2024
Online Training Bank Sinarmas
Re-certification of Risk Management Level 5 June 10, 2024 June 11, 2024
12 Juni 2024 12 Juni 2024
Sustainable Worklife Greenify Your Hustle Jakarta Bank Sinarmas
June 12, 2024 June 12, 2024
Re-sertifikasi Manajemen Risiko Jenjang 5 13 Juni 2024 14 Juni 2024
Online Training Bank Sinarmas
Re-certification of Risk Management Level 5 June 13, 2024 June 14, 2024
Sosialisasi SOP dan SE Kartu Kredit 2024 19 Juni 2024 19 Juni 2024
Online Training Bank Sinarmas
Socialization of SOP and SE Credit Card 2024 June 19, 2024 June 19, 2024
Re-sertifikasi Manajemen Risiko Jenjang 5 20 Juni 2024 21 Juni 2024
Online Training Bank Sinarmas
Re-certification of Risk Management Level 5 June 20, 2024 June 21, 2024
Sosialisasi APU, PPT, & PPPSPM (RFI, Pengisian
Formulir EDD, Laporan CTR & STR) 26 Juni 2024 26 Juni 2024
Online Training Bank Sinarmas
Socialization of APU, PPT, & PPPSPM (RFI, EDD Form June 26, 2024 June 26, 2024
Completion, CTR & STR Reports)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 397
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Identitas Kependudukan Digital Bagi Warga Negara
28 Juni 2024 28 Juni 2024
Indonesia Online Training Bank Sinarmas
June 28, 2024 June 28, 2024
Digital ID for Indonesian Citizens
Sesi Workshop GWS Compliance, APU, PPT, &
PPPSPM dan Quality Management 3 Juli 2024 3 Juli 2024
Jakarta Bank Sinarmas
GWS Compliance, APU, PPT, & PPPSPM and Quality July 3, 2024 July 3, 2024
Management Workshop Session
Sertifikasi Manajemen Risiko Jenjang 4 11 Juli 2024
#VALUE! Online Training Bank Sinarmas
Certification of Risk Management Level 4 July 11, 2024
Sosialisasi Produk Program Umroh Bagi Karyawan 11 Juli 2024 11 Juli 2024
Online Training Bank Sinarmas
Socialization of Umrah Program Products for Employees July 11, 2024 July 11, 2024
Sertifikasi Manajemen Risiko Jenjang 5 19 Juli 2024 19 Juli 2024
Jakarta Bank Sinarmas
Re-certification of Risk Management Level 5 July 19, 2024 July 19, 2024
1 Agustus 2024 1 Agustus 2024
Onboarding New Employee Jakarta Bank Sinarmas
August 1, 2024 August 1, 2024
Panduan Kesiapsiagaan Tindak Darurat
Emergency Preparedness Guide
1 Agustus 2024
August 1, 2024
30 September 2024
September 30, 2024
Online Training Bank Sinarmas 395
5 Agustus 2024 30 Agustus 2024 2024
Induction New Joiner Online Training Bank Sinarmas
August 5, 2024 August 30, 2024
Performance
Training Leveraging Competency (lesson 7 Agustus 2024 21 Agustus 2024 Highlights
Jakarta Bank Sinarmas
Development And Delevery Pahase) August 7, 2024 August 21, 2024
Re-sertifikasi Manajemen Risiko Jenjang 5 8 Agustus 2024 9 Agustus 2024
Online Training Bank Sinarmas Management
Re-certification of Risk Management Level 5 August 8, 2024 August 9, 2024
Report
9 Agustus 2024 10 Agustus 2024
Planning And Organizing For Division Head Bogor Bank Sinarmas
August 9, 2024 August 10, 2024
12 Agustus 2024 19 September 2024 Company
Frontliner Jakarta Bank Sinarmas Profile
August 12, 2024 September 19, 2024
Re-sertifikasi Manajemen Risiko Jenjang 5 12 Agustus 2024 13 Agustus 2024
Online Training Bank Sinarmas
Re-certification of Risk Management Level 5 August 12, 2024 August 13, 2024
Management
Sertifikasi Manajemen Risiko Jenjang 4 12 Agustus 2024 13 Agustus 2024 Discussion and
Online Training Bank Sinarmas
Certification of Risk Management Level 4 August 12, 2024 August 13, 2024 Analysis
Sosialisasi APU, PPT, & PPPSPM terkait Judi online
13 Agustus 2024 13 Agustus 2024
Socialization of APU PPT & PPPSPM related to Online Online Training Bank Sinarmas
August 13, 2024 August 13, 2024 Business
Gambling
Support
Sertifikasi Manajemen Risiko Jenjang 4 14 Agustus 2024 15 Agustus 2024 Overview
Online Training Bank Sinarmas
Certification of Risk Management Level 4 August 14, 2024 August 15, 2024
15 Agustus 2024 15 Agustus 2024
Tote Bag Painting Jakarta Bank Sinarmas
August 15, 2024 August 15, 2024 CORPORATE
GOVERNANCE
Podcast : Gold Winner Of The Hr Excellence Awards 20 Agustus 2024 20 Agustus 2024
Online Training Bank Sinarmas
2024 : Excellence In Work - Life Harmony August 20, 2024 August 20, 2024
Re-sertifikasi Manajemen Risiko Jenjang 4 20 Agustus 2024 21 Agustus 2024 Sustainability
Online Training Bank Sinarmas
Re-certification of Risk Management Level 4 August 20, 2024 August 21, 2024 Report
Sosialisasi APU, PPT, & PPPSPM terkait Judi Online
23 Agustus 2024 23 Agustus 2024
Socialization of APU PPT & PPPSPM related to Online Online Training Bank Sinarmas
August 23, 2024 August 23, 2024
Gambling
Perlindungan Data Pribadi 6 September 2024 6 September 2024
Jakarta Bank Sinarmas
Personal Data Protection September 6, 2024 September 6, 2024
9 September 2024 30 September 2024
Induction New Joiner Online Training Bank Sinarmas
September 9, 2024 September 30, 2024
Sosialisasi APU, PPT, & PPPSPM terkait Judi Online
11 September 2024 11 September 2024
Socialization of APU PPT & PPPSPM related to Online Online Training Bank Sinarmas
September 11, 2024 September 11, 2024
Gambling
13 September 2024 13 September 2024
Podcast #25 : The Power of Customer Centricity Online Training Bank Sinarmas
September 13, 2024 September 13, 2024
16 September 2024 25 Oktober 2024
Branch Supervisory Skills Online Training Bank Sinarmas
September 16, 2024 October 25, 2024
17 September 2024 31 Desember 2024
Relationship Manager Development Program - Rmdp Jakarta Bank Sinarmas
September 17, 2024 December 31, 2024
Sosialisasi APU PPT & PPPSPM terkait Judi Online
2 Oktober 2024 2 Oktober 2024
Socialization of APU PPT & PPPSPM related to Online Online Training Bank Sinarmas
October 2, 2024 October 2, 2024
Gambling
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 398
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Kode Etik Dan Kebijakan Pelindungan Nasabah 7 Oktober 2024 27 Desember 2024
Online Training Bank Sinarmas
Code of Ethics and Customer Protection Policy October 7, 2024 December 27, 2024
Pelindungan Data Pribadi 7 Oktober 2024 27 Desember 2024
Online Training Bank Sinarmas
Personal Data Protection October 7, 2024 December 27, 2024
Mekanisme Pelaksanaan Penilaian Agunan pada
Micro Loan dan Restrukturisasi Kredit Mikro dengan
Perpanjangan Jangka Waktu 9 Oktober 2024 9 Oktober 2024
Online Training Bank Sinarmas
Mechanism of Collateral Assessment Implementation October 9, 2024 October 9, 2024
on Micro Loan and Micro Loan Restructuring with
Term Extension
11 Oktober 2024 11 Oktober 2024
Podcast #26 : The Fast & Futur-ious Online Training Bank Sinarmas
October 11, 2024 October 11, 2024
Sosialisasi APU PPT & PPPSPM terkait Judi Online
11 Oktober 2024 11 Oktober 2024
Socialization of APU PPT & PPPSPM related to Online Online Training Bank Sinarmas
October 11, 2024 October 11, 2024
Gambling
396 Pemaparan Hasil Assessment KCP Fatmawati 2024
dan Refreshment APU, PPT, & PPPSPM 1 November 2024 1 November 2024
Jakarta Bank Sinarmas
Exposure of KCP Fatmawati 2024 Assessment November 1, 2024 November 1, 2024
Results and AML, PPT, & PPPSPM Refreshment
Ikhtisar Kinerja
2024 1 November 2024 1 November 2024
Tawnhall - Sosialisasi Produk SME Loan Online Training Bank Sinarmas
November 1, 2024 November 1, 2024
Laporan Kode Etik dan Pedoman Tingkah Laku 4 November 2024 27 Desember 2024
E-Learning Bank Sinarmas
Manajemen Code of Ethics and Code of Conduct November 4, 2024 December 27, 2024
5 November 2024 6 November 2024
Product Workshop Jakarta Bank Sinarmas
Profil November 5, 2024 November 6, 2024
Perusahaan 7 November 2024 7 November 2024
SOP Teller Versi 6 Magelang Bank Sinarmas
November 7, 2024 November 7, 2024
Analisis dan 10 November 2024 10 November 2024
Townhall – QRIS Online Training Bank Sinarmas
Pembahasan November 10, 2024 November 10, 2024
Manajemen
Re-sertifikasi Manajemen Risiko Jenjang 4 11 November 2024 12 November 2024
Online Training Bank Sinarmas
Re-certification of Risk Management Level 4 November 11, 2024 November 12, 2024
Tinjauan Open Class: Bedah Buku - Berlari di Tengah Hujan 21 November 2024 21 November 2024
Pendukung Jakarta Bank Sinarmas
Open Class: Book Review - Running in the Rain November 21, 2024 November 21, 2024
Bisnis
28 November 2024 28 November 2024
Lets Talk About Asset Class And How To Grow It Jakarta Bank Sinarmas
November 28, 2024 November 28, 2024
TATA KELOLA
PERUSAHAAN 28 November 2024 29 November 2024
Resolusi & Recovery Plan Jakarta Bank Sinarmas
November 28, 2024 November 29, 2024
5 Desember 2024 6 Desember 2024
Laporan One Vision One Working Jakarta Bank Sinarmas
December 5, 2024 November 6, 2024
Keberlanjutan
Podcast #27 : Anti Tertipu Club : Yuk Laporkan Ke
Indonesia Anti-scam Centre 10 Desember 2024 10 Desember 2024
Online Training Bank Sinarmas
Podcast #27 : Anti-Deception Club : Let’s Report to December 10, 2024 December 10, 2024
the Indonesian Anti-scam Center
11 Desember 2024 11 Desember 2024
ISO/IEC 27001:2022 Jakarta Bank Sinarmas
December 11, 2024 December 11, 2024
13 Desember 2024 14 Desember 2024
Strategic Communication Bogor Bank Sinarmas
December 13, 2024 December 14, 2024
16 Desember 2024 27 Desember 2024
APU, PPT, & PPPSPM E-Learning Bank Sinarmas
December 16, 2024 December 27, 2024
Pelatihan Eksternal Satuan Kerja Kepatuhan
External Training for Compliance Work Unit
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
11 Januari 2024 11 Januari 2024 Otoritas Jasa
Connecting the Dots Online Training
January 11, 2024 January 11, 2024 Keuangan - OJK
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 399
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Pertemuan Koordinasi Tahunan PPATK Tahun 2024
Peran Pencegahan dan Pemberantasan TPPU-TPPT-
Pusat Pelaporan dan
PPPSPM Dalam Menyongsong Indonesia Emas 2045 30 Januari 2024 30 Januari 2024
Jakarta Analisis Transaksi
Annual Coordination Meeting of PPATK in 2024 The January 30, 2024 January 30, 2024
Keuangan - PPATK
Role of Prevention and Eradication of TPPU-TPPT-
PPPSPM in Welcoming Indonesia Emas 2045
Rakor Pemilu dan Optimalisasi Peran Masyarakat
Dalam Mendukung Terwujudnya Indonesia Emas Pusat Pelaporan dan
30 Januari 2024 30 Januari 2024
Election Coordination Meeting and Optimization of Online Training Analisis Transaksi
January 30, 2024 January 30, 2024
Community Role in Supporting the Realization of Keuangan - PPATK
Indonesia Emas
Strategi Pengelolaan Investasi Industri Perasuransian
dan Dana Pensiun 1 Februari 2024 1 Februari 2024 Otoritas Jasa
Online Training
Insurance and Pension Fund Industry Investment February 1, 2024 February 1, 2024 Keuangan - OJK
Management Strategy
Peran UU P2SK Dalam Memberikan Efek Jera Bagi
397
Pelaku Jasa Keuangan Ilegal 15 Februari 2024 15 Februari 2024 Otoritas Jasa
Online Training
The Role of the P2SK Law in Providing a Deterrent February 15, 2024 February 15, 2024 Keuangan - OJK
Effect for Illegal Financial Services Actors
Program Mentoring Berbasis Risiko Tindak Pidana 2024
Pencucian Uang (TPPU) dan Tindak Pendanaan Performance
Terorisme (TPPT) yang Berasal dari Tindak Pidana Pusat Pelaporan dan Highlights
15 Februari 2024 16 Februari 2024
Perdagangan Orang Online Training Analisis Transaksi
February 15, 2024 February 16, 2024
Risk-Based Mentoring Program for Money Laundering Keuangan - PPATK
(TPPU) and Terrorism Financing (TPPT) Originating
from Human Trafficking Management
Report
Strategi Pengembangan SJK Melalui Penguatan
Perbankan Syariah dan Market Conduct 15 Februari 2024 15 Februari 2024 Otoritas Jasa
Online Training
SJK Development Strategy Through Strengthening February 15, 2024 February 15, 2024 Keuangan - OJK
Company
Islamic Banking and Market Conduct
Profile
Penyusunan Dokumen Penilaian Risiko TPPU, TPPT,
dan/atau PPPSPM Secara Individual (Individual Risk
20 Februari 2024 20 Februari 2024 Otoritas Jasa
Assessment/IRA) Online Training Management
February 20, 2024 February 20, 2024 Keuangan - OJK
Preparation of Individual Risk Assessment (IRA) Discussion and
Documents for TPPU, TPPT, and/or PPPSPM Analysis
Bisnis Bank dan Multifinance Paska POJK
Perlindungan Konsumen Nomor 22 Tahun 2023 22 Februari 2024 22 Februari 2024 Otoritas Jasa
Online Training
Banking and Multifinance Businesses After POJK on February 22, 2024 February 22, 2024 Keuangan - OJK Business
Consumer Protection Number 22 of 2023 Support
Outlook Ekonomi dan Keuangan di Tahun 2024 22 Februari 2024 22 Februari 2024 Otoritas Jasa Overview
Online Training
Economic and Financial Outlook in 2024 February 22, 2024 February 22, 2024 Keuangan - OJK
Menangkap Peluang di Tengah Perlambatan Ekonomi Lembaga CORPORATE
Global 23 Februari 2024 23 Februari 2024 Pengembangan GOVERNANCE
Online Training
Capturing Opportunities Amidst the Global Economic February 23, 2024 February 23, 2024 Perbankan
Slowdown Indonesia - LPPI
Forum Komunikasi Sustainability
Sosialisasi Pelaksanaan Bye Laws 23 Februari 2024 23 Februari 2024
Jakarta Direktur Kepatuhan Report
Socialization of the Implementation of Bye Laws February 23, 2024 February 23, 2024
Perbankan - FKDKP
Strategi Mencegah Serangan Siber 29 Februari 2024 29 Februari 2024 Otoritas Jasa
Online Training
Strategy to Prevent Cyber Attacks February 29, 2024 February 29, 2024 Keuangan - OJK
Artificial Intelligence Changes the Face of the 7 Maret 2024 7 Maret 2024 Otoritas Jasa
Online Training
Financial Sector March 7, 2024 March 7, 2024 Keuangan - OJK
Peluang dan Tantangan Aset Digital di Indonesia
14 Maret 2024 14 Maret 2024 Otoritas Jasa
Opportunities and Challenges of Digital Assets in Online Training
March 14, 2024 March 14, 2024 Keuangan - OJK
Indonesia
Strategi Mengakselerasi Pangsa Pasar Keuangan Syariah 21 Maret 2024 21 Maret 2024 Otoritas Jasa
Online Training
Strategy to Accelerate Sharia Financial Market Share March 21, 2024 March 21, 2024 Keuangan - OJK
Leadership Development Program MMDP 9 25 Maret 2024 13 Juni 2024 Sinar Mas Multiartha
Jakarta
MMDP 9 Leadership Development Program March 25, 2024 June 13, 2024 - SMMA
Tantangan Pasar Modal dan Keuangan Syariah dalam
Dinamika Sosial dan Suku Bunga 26 Maret 2024 26 Maret 2024 Otoritas Jasa
Online Training
Challenges of Sharia Capital Markets and Finance in March 26, 2024 March 26, 2024 Keuangan - OJK
Social Dynamics and Interest Rates
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 400
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Peran Taksonomi untuk Keuangan Berlanjutan
Indonesia (TKBI) dalam Mendorong Transisi Energi
Menuju Net Zero Emission Indonesia 28 Maret 2024 28 Maret 2024 Otoritas Jasa
Online Training
The Role of the Taxonomy for Sustainable Finance in March 28, 2024 March 28, 2024 Keuangan - OJK
Indonesia (TKBI) in Encouraging the Energy Transition
Towards Net Zero Emission Indonesia
Pusat Pelaporan dan
17 April 2024 17 April 2024
Presidential Lecture Online Training Analisis Transaksi
April 17, 2024 April 17, 2024
Keuangan - PPATK
Prospek Pengembangan SJK Melalui Open Finance
dan NIM BOPO Perbankan 23 April 2024 23 April 2024 Otoritas Jasa
Online Training
SJK Development Prospects Through Open Finance April 23, 2024 April 23, 2024 Keuangan - OJK
and Banking BOPO NIM
25 April 2024 25 April 2024 Otoritas Jasa
Global Sustainable Finance Landscape Online Training
April 25, 2024 April 25, 2024 Keuangan - OJK
Peluang dan Tantangan Open Finance di Indonesia
398 Opportunities and Challenges of Open Finance in
Indonesia
25 April 2024
April 25, 2024
25 April 2024
April 25, 2024
Online Training
Otoritas Jasa
Keuangan - OJK
Sosialisasi dengan Pendapat Rancangan POJK
Ikhtisar Kinerja
Konglomerasi Keuangan & Perusahaan Induk
2024
Konglomerasi Keuangan 25 April 2024 25 April 2024 Otoritas Jasa
Online Training
Socialization with Opinions on Draft POJK Financial April 25, 2024 April 25, 2024 Keuangan - OJK
Laporan Conglomerates & Holding Companies of Financial
Manajemen Conglomerates
Paylater: Solusi Keuangan atau Sumber Masalah Lembaga
Baru? 26 April 2024 26 April 2024 Pengembangan
Profil Online Training
Paylater: Financial Solution or New Source of April 26, 2024 April 26, 2024 Perbankan
Perusahaan Problems? Indonesia - LPPI
Artificial Intelligence & Machine Learning For Digital 29 April 2024 29 April 2024
Analisis dan Online Training Bank Indonesia
Economy and Finance in Indonesia April 29, 2024 April 29, 2024
Pembahasan
Manajemen 29 April 2024 29 April 2024
Kick Off & Seminar Bank Indonesia Hackaton 2024 Online Training Bank Indonesia
April 29, 2024 April 29, 2024
2 Mei 2024 2 Mei 2024 Otoritas Jasa
Tinjauan How to Prevent Accounting Fraud in Financial Sector Online Training
May 2, 2024 May 2, 2024 Keuangan - OJK
Pendukung
Bisnis Strategi Pemasaran Digital di Era Digital 5 Mei 2024 5 Mei 2024 Otoritas Jasa
Online Training
Digital Marketing Strategy in the Digital Era May 2, 2024 May 2, 2024 Keuangan - OJK
TATA KELOLA Optimalisasi Sinergi dan Kolaborasi Mewujudkan
PERUSAHAAN Pilkada Serentak Tahun 2024 yang Mendukung
Pusat Pelaporan dan
Integrasi Bangsa 7 Mei 2024 7 Mei 2024
Online Training Analisis Transaksi
Optimizing Synergy and Collaboration to Realize May 7, 2024 May 7, 2024
Keuangan - PPATK
Laporan Simultaneous Regional Elections in 2024 that Support
Keberlanjutan National Integration
How to Prevent Greenwashing in Sustainable 8 Mei 2024 8 Mei 2024 Otoritas Jasa
Online Training
Finance May 8, 2024 May 8, 2024 Keuangan - OJK
Strengthening International Cooperation on Asset Pusat Pelaporan dan
17 Mei 2024 17 Mei 2024
Recovery and Urgency of Detection of Illicit Financial Online Training Analisis Transaksi
May 17, 2024 May 17, 2024
Flows on Cyber-Enabled Fraud Keuangan - PPATK
Peluang Pertumbuhan Kredit Pasca Berakhirnya
Kebijakan Restrukturisasi Kredit 22 Mei 2024 22 Mei 2024 Otoritas Jasa
Online Training
Opportunities for Credit Growth After the End of the May 22, 2024 May 22, 2024 Keuangan - OJK
Credit Restructuring Policy
Capacity Development Perhitungan Emisi Gas
Rumah Kaca Lingkup 28 Mei 2024 30 Mei 2024 Otoritas Jasa
Online Training
Capacity Development Calculation of Greenhouse May 28, 2024 May 30, 2024 Keuangan - OJK
Gas Emissions Scope
Seminar Kesiapan Penyusunan Individual Risk
Assessment (IRA) dan Penguatan Indikator Transaksi
Keuangan Mencurigakan (TKM) bagi Penyedia Jasa
Keuangan 29 Mei 2024 29 Mei 2024 Otoritas Jasa
Jakarta
Seminar on Readiness for Preparing Individual Risk May 29, 2024 May 29, 2024 Keuangan - OJK
Assessments (IRA) and Strengthening Suspicious
Financial Transaction Indicators (TKM) for Financial
Service Providers
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 401
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Peluang dan Tantangan Pelindungan Data Pribadi
Dalam Transaksi Era Digital 30 Mei 2024 30 Mei 2024 Otoritas Jasa
Online Training
Opportunities and Challenges for Protecting Personal May 30, 2024 May 30, 2024 Keuangan - OJK
Data in Digital Era Transactions
Capacity Building Penguatan Pemahaman TPPU,
TPPT & PPPSPM dan Kepatuhan Pelaporan Kepada
Kupva Bb dan Penyedia Jasa Pembayaran 4 Juni 2024 4 Juni 2024
Online Training Bank Indonesia
Capacity Building Strengthening Understanding of June 4, 2024 June 4, 2024
TPPU, TPPT & PPPSPM and Compliance in Reporting
to Kupva Bb and Payment Service Providers
Pusat Pelaporan dan
Rembuk Nasional APU PPT & PPPSPM 2024 6 Juni 2024 6 Juni 2024
Online Training Analisis Transaksi
National APU PPT & PPPSPM Conference 2024 June 6, 2024 June 6, 2024
Keuangan - PPATK
Building Trust For Insurance Industry Via Empathy in 11 Juni 2024 11 Juni 2024 Otoritas Jasa
Online Training
Claims Management June 11, 2024 June 11, 2024 Keuangan - OJK
Gerak Mobile JKN (Gerakan Pemanfaatan Aplikasi
Mobile JKN)
Mobile JKN Movement (Mobile JKN Application
20 Juni 2024
June 20, 2024
20 Juni 2024
June 20, 2024
Online Training BPJS 399
Utilization Movement)
BUNDAKU (Ibu, Anak, dan Keluarga Cakap Keuangan) 2024
Ibu Cerdas Keuangan, Mewujudkan Keluarga Performance
Sejahtera 25 Juni 2024 25 Juni 2024 Otoritas Jasa Highlights
Online Training
BUNDAKU (Financially Savvy Mothers, Children, June 25, 2024 June 25, 2024 Keuangan - OJK
and Families) Financially Savvy Mothers, Realizing
Prosperous Families Management
Report
Peran Innovative Credit Scoring (ICS) dalam
Meningkatkan Akses Pendanaan 27 Juni 2024 27 Juni 2024 Otoritas Jasa
Online Training
The Role of Innovative Credit Scoring (ICS) in June 27, 2024 June 27, 2024 Keuangan - OJK
Increasing Access to Funding Company
Profile
Penanganan Kejahatan Siber Termasuk Perjudian
Daring Sebagai Tindak Pidana Asal Tindak Pidana
17 Juli 2024 17 Juli 2024 Otoritas Jasa
Pencucian Uang Online Training
July 17, 2024 July 17, 2024 Keuangan - OJK Management
Handling Cybercrime Including Online Gambling as a
Predicate Crime of Money Laundering Discussion and
Analysis
Driving Corporate Performance Through Artificial 25 Juli 2024 25 Juli 2024 Otoritas Jasa
Online Training
Intelligence July 25, 2024 July 25, 2024 Keuangan - OJK
Workshop Business Continuity and Crisis 5 Agustus 2024 6 Agustus 2024 Otoritas Jasa Business
Jakarta
Management in the Digital Era August 5, 2024 August 6, 2024 Keuangan - OJK Support
Overview
Strategi Implementasi Market Conduct : Membangun
Kepercayaan dan Meningkatkan Kinerja Industri Jasa
Keuangan 8 Agustus 2024 8 Agustus 2024 Otoritas Jasa
Online Training CORPORATE
Market Conduct Implementation Strategy: Building August 8, 2024 August 8, 2024 Keuangan - OJK
Trust and Improving the Performance of the Financial GOVERNANCE
Services Industry
Rapat Koordinasi Lanjutan Terkait Persiapan
Sustainability
Pelaksanaan Kegiatan Gerakan Nasional Cerdas
Report
Keuangan Pada Momentum Hari Indonesia
Menabung 2024 14 Agustus 2024 14 Agustus 2024 Otoritas Jasa
Online Training
Follow-up Coordination Meeting Regarding August 14, 2024 August 14, 2024 Keuangan - OJK
Preparation for the Implementation of the National
Financial Intelligence Movement Activities on the
Momentum of Indonesia Savings Day 2024
Mengungkap Kejahatan Keuangan dan Tindak Pidana
Pencucian Uang: Fokus Pada Judi Online dan Game
15 Agustus 2024 15 Agustus 2024
Virtual Jakarta Genesis Inti Utama
August 15, 2024 August 15, 2024
Exposing Financial Crime and Money Laundering:
Focus on Online Gambling and Virtual Games
Pusat Pelaporan dan
20 Agustus 2024 20 Agustus 2024
Launching FIR ML & TF 2024 Online Training Analisis Transaksi
August 20, 2024 August 20, 2024
Keuangan - PPATK
Asosiasi Analis
Fundamental Analisis Anti Pencucian Uang 27 Agustus 2024 27 Agustus 2024
Online Training Transaksi Keuangan
Fundamentals of Anti Money Laundering Analysis August 27, 2024 August 27, 2024
(AATKI)
How to Prevent Money Laundering and Terrorism 5 September 2024 5 September 2024 Otoritas Jasa
Online Training
Financing September 5, 2024 September 5, 2024 Keuangan - OJK
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 402
Tempat
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Penyelenggara
Pelaksanaan
Competency Development Materials Start Date End Date Organizer
Venue
Undangan Capacity Building Forum Komunikasi
Perkasan Perbankan Sumatera Barat (Formabar)
tahun 2024 5 September 2024 5 September 2024 Otoritas Jasa
Online Training
Invitation to Capacity Building of the West Sumatra September 5, 2024 September 5, 2024 Keuangan - OJK
Banking Cassation Communication Forum (Formabar)
in 2024
Forum Komunikasi
Sosialisasi Komitmen dan Tindak Lanjut Nasional 6 September 2024 6 September 2024
Online Training Direktur Kepatuhan
Socialization of National Commitment and Follow-up September 6, 2024 September 6, 2024
Perbankan - FKDKP
PROSMA
Training of Trainer Skema KKNI Level 4 Instruktur 12 September 2024 14 Desember 2024
Online Training CONSULTING
Training of Trainer Scheme KKNI Level 4 Instructor September 12, 2024 September 14, 2024
INDONESIA
Sertifikasi Manajemen Risiko Jendang 7 19 September 2024 19 September 2024
Online Training MAISA EDUKASI
Risk Management Certification Level 7 September 19, 2024 September 19, 2024
1 Oktober 2024 31 Desember 2024
Project Management: the Basics for Success E-Learning MyLearning
October 1, 2024 December 31, 2024
400 Identifikasi Transaksi Keuangan Mencurigakan &
Forum Komunikasi
Penentuan Indikasi Tindak Pidana Asal 16 Oktober 2024 17 Oktober 2024
Online Training Direktur Kepatuhan
Identification of Suspicious Financial Transactions & October 16, 2024 October 17, 2024
Ikhtisar Kinerja Perbankan - FKDKP
Determination of Indications of Predicate Crimes
2024
EV Insurance, International Best Practices for 31 Oktober 2024 31 Oktober 2024 Otoritas Jasa
Jakarta
Innovation of New Energy Products and Services October 31, 2024 October 31, 2024 Keuangan - OJK
Laporan
Manajemen Refreshment Kepatuhan Jenjang 5 16 November 2024 16 November 2024
Online Training MAISA EDUKASI
Compliance Refreshment Level 5 November 16, 2024 November 16, 2024
Profil Strengthening the GRC Ecosystem in the financial 26 November 2024 26 November 2024 Otoritas Jasa
Online Training
Perusahaan Sector to Support the Golden Indonesia 2045 Vision November 26, 2024 November 26, 2024 Keuangan - OJK
Analisis dan
Pembahasan Pelaksanaan Tugas dan Tanggung Jawab Tahun Implementation of Duties and Responsibilities in
Manajemen 2024 2024
Organisasi Kepatuhan telah melakukan pengelolaan The Compliance Organization has managed the Bank’s
Tinjauan terhadap risiko kepatuhan Bank melalui program dan aktivitas compliance risks through compliance programs and activities
Pendukung
Bisnis
kepatuhan di sepanjang tahun 2024 sebagai berikut. throughout 2024 as follows.
1. Melakukan review dan analisis terhadap fungsi dan 1. Conducting a review and analysis of the functions and
TATA KELOLA kinerja Satuan Kerja Kepatuhan guna penguatan fungsi performance of the Compliance Work Unit in order to
PERUSAHAAN kepatuhan dan struktur organisasi kepatuhan, antara lain strengthen the compliance function and compliance
melalui: organizational structure, including through:
Laporan a. Menyusun dan memantau rencana serta realisasi a. Preparing and monitoring the Compliance work plan
Keberlanjutan kerja Kepatuhan untuk periode tahun 2024. and realization for the 2024 period.
b. Mengembangkan sumber daya manusia Satuan b. Developing the human resources of the Compliance
Kerja Kepatuhan melalui program capacity building. Work Unit through a capacity building program.
c. Memastikan peranan Satuan Kerja Kepatuhan sebagai c. Ensuring that the role of the Compliance Work
Second Line of Defense atau Lini Kedua Pertahanan Unit as the Bank’s Second Line of Defense in the
Bank dalam fungsi kepatuhan berjalan dengan memadai. compliance function is running adequately.
2. Terhadap peraturan perundang-undangan baru maupun 2. Regarding new laws and regulations or changes issued
perubahan yang diterbitkan oleh Otoritas Jasa Keuangan by the Financial Services Authority (OJK), Bank Indonesia
(OJK), Bank Indonesia (BI) dan Peraturan Perundang- (BI) and other Laws and Regulations, namely:
Undangan lainnya, yaitu:
a. Melakukan pemantauan dan membuat kajian/analisa a. Monitoring and conducting impact studies/analyses
dampak serta menyusun tindak lanjut atas peraturan and preparing follow-up actions on new regulations
baru maupun perubahan dari peraturan OJK, BI dan or changes to OJK, BI and other Laws and
Peraturan Perundang-Undangan lainnya. Regulations.
b. Sosialisasi atas peraturan regulator, kajian/analisa b. Dissemination of regulatory regulations, impact
dampak, dan tindak lanjut disampaikan kepada studies/analyses, and follow-up actions are submitted
Unit Kerja terkait melalui pertemuan langsung atau to the relevant Work Units through direct meetings
media komunikasi internal, maupun disampaikan or internal communication media, or submitted to
kepada jajaran Direksi, Komisaris, Pejabat Eksekutif, the Board of Directors, Commissioners, Executive
Pimpinan Karyawan serta seluruh Karyawan melalui Officers, Employee Leaders and all Employees
media komunikasi internal. through internal communication media.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 403
c. Penyusunan dampak dan tindak lanjut atas peraturan c. Preparation of the impact and follow-up actions on
regulator yang dampaknya signifikan terhadap Bank regulatory regulations that have a significant impact
dilakukan bersama dengan Unit Kerja terkait. on the Bank is carried out together with the relevant
Work Units.
3. Terhadap ketentuan internal Bank, antara lain: 3. Regarding the Bank’s internal provisions, including:
a. Melakukan review kebijakan, ketentuan, sistem, dan a. Reviewing policies, provisions, systems, and
prosedur, serta kegiatan usaha yang dilakukan Bank procedures, as well as business activities carried out
agar sesuai dengan peraturan OJK, BI, Otoritas terkait by the Bank to comply with OJK, BI, other relevant
lainnya dan ketentuan peraturan Perundang-undangan. Authorities and provisions of Laws and Regulations.
b. Meningkatkan kontrol risiko serta simplifikasi proses b. Increasing risk control and simplifying processes and
dan jumlan aturan. the number of rules.
c. Melakukan pengkajian, review serta menjalankan c. Conducting assessments, reviews and implementing
fungsi advisory pada proses pengembangan advisory functions in the process of developing
ketentuan internal, sistem, transaksi, aktivitas serta internal provisions, systems, transactions, activities
produk dan layanan sebelum ditawarkan kepada and products and services before being offered to
nasabah dan/atau diimplementasikan
memastikan kepatuhan terhadap ketentuan regulator
untuk customers and/or implemented to ensure compliance
with regulatory provisions and applicable laws and
401
dan peraturan perundang-undangan yang berlaku. regulations.
2024
d. Memberikan opini/advice kepatuhan kepada unit-unit d. Providing compliance opinions/advice to work Performance
kerja pada pengembangan aktivitas, produk, Pengajuan units in the development of activities, products, Highlights
fasilitas kredit baru atau pengajuan penambahan Submission of new credit facilities or submission
plafond/ limit fasilitas kredit untuk pihak terkait maupun of additional credit facility ceilings/limits for related Management
pihak tidak terkait yang diajukan secara single parties or unrelated parties submitted as a single Report
debitur maupun one obligor, Pengajuan fasilitas baru debtor or one obligor, Submission of new facilities,
perpanjangan atau perubahan fasilitas yang diajukan extensions or changes to facilities submitted by the Company
oleh Treasury & Financial Institution Group baik secara Treasury & Financial Institution Group both as a single Profile
single counterparty maupun one obligor termasuk counterparty or one obligor including facilities for
fasilitas untuk pihak terkait, penyusunan kebijakan dan related parties, preparation of internal Bank policies
Management
prosedur internal Bank yang memiliki risiko kepatuhan. and procedures that have compliance risks. Discussion and
4. Terhadap pengujian kepatuhan kepada Unit Kerja, antara lain: 4. Regarding compliance testing of Work Units, including: Analysis
a. Melakukan pemeriksaan langsung ke Unit Kerja dan a. Conducting direct inspections of Work Units and
memberikan opini serta penjelasan terhadap praktik providing opinions and explanations regarding Business
yang telah dilakukan oleh Unit Kerja harus sesuai practices that have been carried out by Work Units Support
dengan ketentuan regulator. must be in accordance with regulatory provisions. Overview
b. Mengidentifikasi ketentuan-ketentuan regulator b. Identifying regulatory provisions related to the
yang terkait dengan pelaksanaan pengujian pada implementation of testing on Work Units and/or CORPORATE
Unit Kerja dan/atau aktifitas yang dipilih. selected activities. GOVERNANCE
c. Dalam pelaksanaan pengujian kepatuhan pada Unit c. In implementing compliance testing at the Work
Kerja yaitu memastikan agar kebijakan, ketentuan, Unit, namely ensuring that the policies, provisions, Sustainability
sistem, dan prosedur serta kegiatan usaha yang systems, and procedures as well as business activities Report
dilakukan oleh Bank telah sesuai dengan peraturan carried out by the Bank are in accordance with OJK
OJK dan ketentuan peraturan perundang-undangan. regulations and provisions of laws and regulations.
5. Meningkatkan kesadaran atas budaya kepatuhan 5. Increasing awareness of the culture of compliance
melalui program kampanye kepatuhan yang dilakukan through a compliance campaign program carried out
ke seluruh Unit Kerja dan jaringan Cabang Bank baik to all Work Units and the Bank’s Branch network both
melalui media komunikasi internal maupun melalui through internal communication media and through
pelatihan kelas dan e-Learning, antara lain: classroom training and e-Learning, including:
a. Kampanye kepatuhan melalui media komunikasi a. Compliance campaign through internal
internal dalam bentuk Compliance Info (Co.in) communication media in the form of Compliance
dengan bentuk infografis yang bertujuan untuk Info (Co.in) with infographics that aim to provide
memberikan refreshment peraturan perundang- interesting and easy-to-understand refreshment of
undangan yang menarik dan mudah dipahami. laws and regulations.
b. Kampanye kepatuhan lainnya dilakukan oleh Unit b. Other compliance campaigns are carried out by the
Anti Penyuapan melalui media komunikasi internal Anti-Bribery Unit through internal communication
yaitu dalam bentuk kampanye Anti Penyuapan yang media, namely in the form of an Anti-Bribery campaign
diberikan kepada seluruh karyawan sebagai wujud given to all employees as a form of prevention of
pencegahan tindakan penyuapan maupun gratifikasi bribery and gratification within the Bank Sinarmas
di dalam lingkungan Bank Sinarmas. environment.
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c. Melakukan pelatihan, sosialisasi dan advisory c. Conducting training, socialization and advisory
meeting terkait aktivitas kepatuhan termasuk meetings related to compliance activities including
sosialisasi ketentuan-ketentuan eksternal terkini ke socialization of the latest external provisions to all
seluruh jajaran organisasi Bank. levels of the Bank’s organization.
6. Memonitoring komitmen Bank kepada regulator atas 6. Monitoring the Bank’s commitment to regulators
temuan hasil pemeriksaan dan pemenuhan tindak lanjut regarding the findings of the examination results and
komitmen yang harus dilakukan Bank dengan cara, fulfillment of follow-up commitments that must be carried
antara lain: out by the Bank by, among others:
a. Melakukan pemantauan pemenuhan komitmen- a. Monitoring the fulfillment of the Bank’s commitments
komitmen Bank ke regulator dan penerapan kepatuhan to regulators and the implementation of compliance
pada umumnya di seluruh jajaran organisasi Bank. in general across the Bank’s organizational levels.
b. Melakukan koordinasi dengan Unit Kerja terkait b. Coordinating with related Work Units to fulfill the
untuk pemenuhan komitmen tindak lanjut audit commitment to follow-up audits by regulators
regulator termasuk pelaksanaannya. including their implementation.
7. Melakukan review dan penyempurnaan terhadap penerapan 7. Reviewing and improving the implementation of good
402 tata kelola (GCG) Perusahaan yang baik antara lain:
a. Menerapkan prinsip-prinsip keterbukaan, akuntabilitas,
corporate governance (GCG) including:
a. Applying the principles of openness, accountability,
Ikhtisar Kinerja
pertanggungjawaban, independensi, dan kewajaran responsibility, independence, and fairness in order to
2024 agar terciptanya tata kelola yang baik di Bank Sinarmas. create good governance at Bank Sinarmas.
b. Menyampaikan laporan tata kelola bank maupun b. Submitting reports on bank and financial conglomerate
Laporan konglomerasi keuangan dan laporan kepatuhan governance and integrated compliance reports
Manajemen terintegrasi telah disusun dan dilaporkan tepat waktu that have been prepared and reported on time in
sesuai ketentuan regulator. accordance with regulatory provisions.
Profil c. Memperkuat diskusi, komunikasi dan sosialisasi c. Strengthening discussions, communication and
Perusahaan
sebagai salah satu bentuk pengawasan atas socialization as a form of supervision over the
penerapan tata kelola dan Kepatuhan pada implementation of governance and compliance at
Analisis dan
Pembahasan Konglomerasi Keuangan Sinarmas dimana Bank the Sinarmas Financial Conglomerate where Bank
Manajemen Sinarmas sebagai Entitas Utama yang menjalankan Sinarmas as the Main Entity carries out the function
fungsi untuk mendorong peningkatan dan of encouraging the improvement and deepening
Tinjauan pendalaman kualitas tata kelola dan kepatuhan pada of the quality of governance and compliance for all
Pendukung
Bisnis
seluruh anggota Konglomerasi Keuangan Sinarmas. members of the Sinarmas Financial Conglomerate.
8. Pengelolaan potensi risiko dan/atau risiko kepatuhan 8. Good management of potential risks and/or compliance
TATA KELOLA dengan baik yang diharapkan dapat meminimalisasi risks that are expected to minimize the impact of risks as
PERUSAHAAN dampak risiko sedini mungkin dengan memberikan early as possible by providing risk mitigation, including:
mitigasi risikonya, antara lain:
Laporan a. Melakukan pemantauan terhadap rasio-rasio a. Monitoring compliance ratios and prudential banking
Keberlanjutan kepatuhan dan rasio prudential banking, antara lain: ratios, including:
1) Batas Maksimum Pemberian Kredit (BMPK) 1) Maximum Credit Limit (BMPK)
2) Leverage Ratio (LR) 2) Leverage Ratio (LR)
3) Liquidity Coverage Ratio (LCR) 3) Liquidity Coverage Ratio (LCR)
4) Net Stable Funding Ratio (NSFR) 4) Net Stable Funding Ratio (NSFR)
5) Capital Adequacy Ratio (CAR) 5) Capital Adequacy Ratio (CAR)
6) Loan to Deposit Ratio (LDR) 6) Loan to Deposit Ratio (LDR)
7) Non Performing Loan (NPL) 7) Non Performing Loan (NPL)
8) Giro Wajib Minimum (GWM) 8) Minimum Reserve Requirement (GWM)
9) Posisi Devisa Netto (PDN) 9) Net Foreign Exchange Position (PDN)
b. Pemenuhan sertifikasi kepatuhan bagi sumber b. Fulfillment of compliance certification for human
daya manusia yang terdapat di Satuan Kerja resources in the Compliance Work Unit where
Kepatuhan dimana sertifikasi kepatuhan dilakukan compliance certification is carried out to ensure,
untuk memastikan, memelihara dan memberikan maintain and provide assurance that certificate
jaminan bahwa pemegang sertifikat menguasai holders master the field of banking compliance, as
bidang kepatuhan perbankan, begitu pula dengan well as the fulfillment of risk management certification
pemenuhan sertifikasi manajemen risiko bagi for human resources in the Compliance Work Unit in
sumber daya manusia di Satuan Kerja Kepatuhan managing compliance risks in order to create the
dalam mengelola risiko kepatuhan agar terciptanya implementation of good governance.
penerapan tata kelola yang baik.
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c. Melakukan pemantauan sanksi berupa denda yang c. Monitoring sanctions in the form of fines received
diterima dari regulator dengan berupaya melakukan from regulators by trying to mitigate risks so that they
mitigasi risiko agar tidak terulang kembali. do not happen again.
9. Melakukan rangkaian aktivitas terkait implementasi 9. Carrying out a series of activities related to the
penerapan program Anti Pencucian Uang, Pencegahan implementation of the Anti-Money Laundering, Prevention
Pendanaan Terorisme dan Pencegahan Pendanaan of Terrorism Funding and Prevention of Proliferation of
Proliferasi Senjata Pemusnah Massal, antara lain: Weapons of Mass Destruction Funding programs, including:
a. Implementasi System RRS (Regulatory Reporting) a. Implementation of the RRS (Regulatory Reporting)
APOLO OJK & PEDAL KPK, Override System System APOLO OJK & PEDAL KPK, Override
handling cabang, system screening pembukaan System handling branches, , Simobi Plus account
rekening Simobi Plus, sinkronisasi system risk rating opening screening system, OneFCC risk rating
OneFCC, project system data masking report PPATK, system synchronization, PPATK data masking report
System goAML 5.4, system election report (Pilkada), project system, goAML 5.4 System, election report
system monitoring internal dan monitoring transaksi system (Pilkada), internal monitoring system and loan
loan, dan DRP (Disaster Recovery Plan) system transaction monitoring, and DRP (Disaster Recovery
Tahun 2024.
b. Melakukan pemantauan terhadap ketentuan
Plan) system in 2024.
b. Monitoring the provisions of the Regulator and laws
403
Regulator dan peraturan perundang-undangan and regulations related to the implementation of the
2024
terkait penerapan program APU, PPT, dan PPPSPM APU, PPT, and PPPSPM programs that apply and Performance
yang berlaku serta melakukan analisa dampak analyzing the impact of the latest regulations related Highlights
terhadap regulasi terkini terkait penerapan program to the implementation of the APU, PPT, and PPPSPM
APU, PPT, dan PPPSPM. programs. Management
c. Menyusun, melakukan pengkinian, dan mengusulkan c. Preparing, updating, and proposing policies and Report
kebijakan dan prosedur serta ketentuan internal procedures as well as internal provisions related to the
terkait penerapan program APU, PPT, dan PPPSPM. implementation of the APU, PPT, and PPPSPM programs. Company
d. Melakukan pemantauan dan pengujian terhadap d. Monitoring and testing the implementation of laws Profile
penerapan peraturan perundangan-undangan terkait and regulations related to the implementation of
penerapan APU, PPT, dan PPPSPM yang berdampak APU, PPT, and PPPSPM that have an impact on the
Management
pada Bank pada unit-unit kerja Bank dan Cabang. Bank in the Bank’s work units and Branches. Discussion and
e. Secara kontinyu melakukan sosialisasi/pelatihan e. Continuously conducting socialization/training Analysis
(ketentuan baru maupun refreshment) berkaitan (new provisions and refreshments) related to the
dengan penerapan program APU, PPT, dan PPPSPM, implementation of the APU, PPT, and PPPSPM Business
baik melalui media tatap muka secara langsung programs, both through direct face-to-face media Support
maupun online, guna meningkatkan pemahaman and online, in order to improve the understanding Overview
seluruh karyawan Bank dalam penerapan program of all Bank employees in the implementation of the
APU, PPT, dan PPPSPM. APU, PPT, and PPPSPM programs. CORPORATE
f. Kampanye terkait penerapan program APU, PPT, f. Campaigning related to the implementation of the GOVERNANCE
dan PPPSPM melalui media komunikasi internal APU, PPT, and PPPSPM programs through internal
dalam bentuk Compliance Info (Co.in) dengan communication media in the form of Compliance Sustainability
bentuk infografis yang bertujuan untuk memberikan Info (Co.in) with infographics that aim to provide Report
refreshment ketentuan yang menarik dan mudah refreshments on interesting and easy-to-understand
dipahami. provisions.
g. Melakukan review kepatuhan atas ketentuan g. Conduct compliance reviews on internal provisions,
internal, proses, transaksi, aktivitas, operasional, processes, transactions, activities, operations,
sistem, aktivitas serta produk dan layanan Bank, systems, activities, and products and services of the
guna memastikan kepatuhan terhadap ketentuan Bank, to ensure compliance with the provisions of
penerapan program APU, PPT, dan PPPSPM yang the implementation of the applicable AML, PPT, and
berlaku. PPPSPM programs.
h. Menganalisis secara berkala penilaian risiko Tindak h. Periodically analyze the risk assessment of Money
Pidana Pencucian Uang, Tindak Pidana Pendanaan Laundering, Terrorism Financing and Proliferation of
Terorisme dan Pendanaan Proliferasi Senjata Weapons of Mass Destruction related to Customers,
Pemusnah Massal terkait dengan Nasabah, negara countries or geographic areas, products, services,
atau area geografis, produk, jasa, transaksi atau transactions or distribution networks (delivery
jaringan distribusi (delivery channels). channels).
i. Supervisi, koordinasi, pemantauan serta evaluasi i. Supervise, coordinate, monitor and evaluate the
Kepatuhan APU, PPT, dan PPPSPM Bank. Bank’s AML, PPT, and PPPSPM Compliance.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
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j. Memastikan pemeliharaan dan pengkinikan Daftar j. Ensure the maintenance and updating of the List of
Terduga Teroris dan Organisasi Teroris (DTTOT), Daftar Suspected Terrorists and Terrorist Organizations
Pendanaan Proliferasi Senjata Pemusnah Massal (DTTOT), List of Proliferation of Weapons of Mass
(DPPSPM), serta daftar pantau (watchlist) lainnya untuk Destruction Funding (DPPSPM), and other watchlists
kepentingan program APU, PPT, dan PPPSPM serta for the benefit of the AML, PPT, and PPPSPM programs
memastikan identifikasi dan pemeriksaan daftar-daftar and ensure the identification and examination of the
dimaksud terhadap database Nasabah Bank, baik lists in question against the Bank’s Customer database,
sebelum proses pembukaan hubungan usaha, secara both before the process of opening a business
adhoc maupun secara berkala. relationship, on an ad hoc basis and periodically.
k. Memantau dan melakukan analisa terhadap transaksi k. Monitor and analyze abnormal Customer
abnormal Nasabah. transactions.
l. Melaporkan Transaksi Keuangan Mencurigakan l. Report Suspicious Financial Transactions (LTKM), Cash
(LTKM), Transaksi Keuangan Tunai (LTKT), Transaksi Financial Transactions (LTKT), Financial Transactions
Keuangan Transfer Dana Dari dan ke Luar Negeri of Fund Transfers From and to Overseas (LTKL) and
(LTKL) serta Laporan Nasabah baru melalui Sistem new Customer Reports through the Integrated Service
404 Informasi Pengguna Jasa Terpadu (SIPESAT), Sistem
Informasi Terduga Pendanaan Terorisme (SIPENDAR)
User Information System (SIPESAT), Suspected
Terrorism Funding Information System (SIPENDAR) to
Ikhtisar Kinerja
ke PPATK, Sistem Informasi Program Anti Pencucian PPATK, Anti-Money Laundering and Terrorism Funding
2024 Uang dan Pencegahan Pendanaan Terorisme (SIGAP), Prevention Program Information System (SIGAP),
Laporan Individual Risk Assessment (IRA) ke OJK. Individual Risk Assessment (IRA) Reports to OJK.
Laporan m. Secara kontinyu melakukan monitoring pengkinian m. Continuously monitor the updating of Customer data,
Manajemen data Nasabah, dimana rencana dan realisasi where the plan and realization of updating Customer
pengkinian data Nasabah tersebut dilaporkan secara data are reported annually to OJK.
Profil tahunan ke OJK.
Perusahaan
n. Menyusun dan menyampaikan laporan APU, PPT, n. Prepare and submit APU, PPT, and PPPSPM reports
dan PPPSPM melalui sistem bantu APOLO kepada through the APOLO support system to OJK on a
Analisis dan
Pembahasan OJK secara semesteran serta menindaklanjuti hasil semi-annual basis and follow up on the results of
Manajemen screening Nasabah terhadap DTTOT dan DPPSPM Customer screening of DTTOT and DPPSPM through
melalui sistem bantu SIGAP kepada OJK. the SIGAP support system to OJK.
Tinjauan o. Menindaklanjuti, menyediakan data/informasi, dan o. Following up, providing data/information, and
Pendukung
Bisnis
memastikan kelengkapan akurasinya terhadap ensuring the completeness and accuracy of requests
permintaan terkait APU, PPT, dan PPPSPM dari related to APU, PPT, and PPPSPM from Regulators
TATA KELOLA Regulator dan Aparat Penegak Hukum (Apgakum). and
PERUSAHAAN p. Melaksanakan pengawasan atas kuantitas p. Carry out supervision of the quantity of Cash Financial
Laporan Transaksi Keuangan Tunai (LTKT), Laporan Transaction Reports (LTKT), Reports on Financial
Laporan Transaksi Keuangan Transfer Dana dari dan ke Luar Transactions of Fund Transfers from and to Overseas
Keberlanjutan Negeri (LTKL) dan Laporan Transaksi Keuangan (LTKL) and Suspicious Financial Transaction Reports
Mencurigakan (LTKM) dan pengawasan atas kualitas (LTKM) and supervision of the quality of Suspicious
Laporan Transaksi Keuangan Mencurigakan (LTKM) & Financial Transaction Reports (LTKM) & Alert
Pemantauan Alert. Monitoring.
Peta Jalan Fungsi Kepatuhan Compliance Function Roadmap
Organisasi kepatuhan memiliki visi, misi, dan objektif The compliance organization has a vision, mission, and
menjaga keseimbangan antara aspek kepatuhan, komersial, objective to maintain a balance between compliance,
dan inovasi guna mendorong pertumbuhan bisnis Bank commercial, and innovation aspects in order to drive healthy
yang sehat dan berkelanjutan. Bank melakukan penguatan and sustainable business growth of the Bank. The Bank
organisasi kepatuhan secara berkesinambungan melalui continuously strengthens the compliance organization
peta jalan fungsi kepatuhan. through the compliance function roadmap.
Bank berkomitmen untuk memenuhi ketentuan dan standar The Bank is committed to meeting the provisions and
praktik perbankan yang sehat dengan menerapkan strategi standards of healthy banking practices by implementing a
manajemen risiko kepatuhan. Setiap pimpinan di seluruh compliance risk management strategy. Each leader in all
unit kerja Bank bertanggung jawab langsung terhadap Bank work units is directly responsible for the implementation
pelaksanaan kepatuhan di unitnya masing-masing, termasuk of compliance in their respective units, including ensuring
memastikan langkah-langkah koreksi atas ketidakpatuhan corrective measures for non-compliance and supervision of
dan pengawasan terhadap pelaksanaan tindakan korektif the implementation of these corrective actions.
tersebut.
Laporan Tahunan & Keberlanjutan
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Page 407
Rencana Strategis 2025 2025 Strategic Plan
Rencana strategis yang telah ditetapkan Satuan Kerja The strategic plan that has been set by the Compliance Work
Kepatuhan untuk direalisasikan di tahun 2025, yakni: Unit to be realized in 2025, namely:
a. Memperkuat organisasi kepatuhan dengan a. Strengthening the compliance organization by
mengembangkan Sumber Daya Manusia (SDM) unit developing Human Resources (HR) of the compliance
kepatuhan melalui program-program Capacity Building unit through Capacity Building programs to accelerate
guna mengakselerasi kompetensi SDM SKK dalam the competence of SKK HR in carrying out effective and
menjalankan fungsi advisory dan pengawasan yang efektif quality advisory and supervisory functions in driving a
dan berkualitas dalam mendorong budaya kepatuhan, culture of compliance, innovation and business. I n
inovasi dan bisnis. Sejalan dengan pengembangan produk line with the development of the Bank’s products and
dan layanan Bank menjadi digital, program-program services to become digital, Capacity Building programs
Capacity Building diarahkan untuk mengembangkan are directed at developing SKK HR to understand
SDM SKK untuk memahami teknologi digital serta regulasi digital technology and regulations related to digital and
terkait digital dan teknologi. technology.
b. Compliance Group secara berkelanjutan terus b. The Compliance Group continuously increases
meningkatkan awareness dan budaya kepatuhan
melalui program Compliance Campaign yang lebih
awareness and compliance culture through a more
intensive Compliance Campaign program to all work
405
intensif ke seluruh unit kerja dan jaringan cabang Bank units and branch networks of the Bank as has been done
2024
sebagaimana yang telah dilakukan saat ini melalui media currently through video conference media, e-learning, Performance
video conference, e-learning, Compliance Info (CoIn). Compliance Info (CoIn). Highlights
c. Melalui unit Anti Penyuapan yang berada di bawah c. Through the Anti-Bribery unit under the supervision
supervisi Compliance Group, berkelanjutan melakukan of the Compliance Group, continuously conducts Management
sosialisasi melalui media komunikasi internal socialization through internal communication media as Report
sebagaimana penjelasan di atas, dengan tujuan untuk explained above, with the aim of increasing awareness
meningkatkan kepedulian atas tindakan Anti Penyuapan. of Anti-Bribery actions. Company
d. Meningkatkan peran dan fungsi Compliance dalam d. Increasing the role and function of Compliance in Profile
pelaksanaan assessment atas ketentuan, kebijakan, implementing assessments of provisions, policies,
sistem maupun prosedur, pengajuan penyelenggaraan systems and procedures, submission of product
Management
produk yang akan dijalankan oleh Bank serta implementation to be run by the Bank and its compliance Discussion and
kesesuaiannya dengan ketentuan regulator yang with applicable regulatory provisions. Analysis
berlaku.
e. Pelaksanaan Regulation update atas regulasi baru atau e. Implementation of Regulation updates on new Business
perubahan serta membuat gap dan impact analysis regulations or changes and making gap and impact Support
atas ketentuan tersebut dan menyampaikan hasil kajian analysis on these provisions and submitting the results Overview
kepada unit kerja terkait. of the study to the relevant work units.
f. Melaksanakan pengujian kepatuhan (Compliance Testing) f. Conducting compliance testing to branches, business CORPORATE
kepada cabang, business unit maupun supporting unit units and supporting units based on compliance risk GOVERNANCE
berdasarkan analisis risiko kepatuhan, untuk memastikan analysis, to ensure compliance with regulatory provisions
pemenuhan kepatuhan atas ketentuan regulator yang applicable to activities at branches, business units and Sustainability
berlaku pada aktivitas di cabang, business unit maupun supporting units and identifying and escalating issues Report
supporting unit serta mengidentifikasi dan mengeskalasi related to Bank compliance that require strategic and
isu-isu terkait dengan kepatuhan Bank yang memerlukan rapid steps to address weaknesses in compliance issues
penetapan langkah strategis dan cepat untuk mengatasi to management.
kelemahan masalah kepatuhan kepada manajemen.
g. Melakukan review dan pengkinian terhadap kebijakan g. Conducting reviews and updates on policies and
dan prosedur penerapan program APU, PPT, dan procedures for implementing APU, PPT, and PPPSPM
PPPSPM guna menyelaraskan dengan ketentuan dan programs in order to align with applicable APU, PPT, and
peraturan APU, PPT, dan PPPSPM yang berlaku. Serta PPPSPM provisions and regulations. And continuously
secara berkelanjutan melakukan penyesuaian terhadap making adjustments to the latest TPPU, TPPT, and/or
modus/tipologi TPPU, TPPT, dan/atau PPSPM terkini. PPSPM modes/typologies.
h. Sebagai pemenuhan 5 (lima) pilar APU, PPT & PPPSPM
dimana salah satu fokus adalah pengembangan system h. As a fulfillment of the 5 (five) pillars of APU, PPT & PPPSPM
APU, PPT, dan PPPSPM secara berkesinambungan. where one focus is the continuous development of APU,
Terkait hal ini, Compliance Group secara berkelanjutan PPT, and PPPSPM systems. In this regard, the Compliance
melakukan pengembangan system meliputi Group continuously carries out system development
implementasi sistem baru yang belum ada sebelumnya including the implementation of new systems that have
di production environment dan enhancement serta not previously existed in the production environment
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
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evaluasi performance BaU (Business as Usual) guna and enhancement and evaluation of BaU (Business as
meningkatkan efektivitas dan efisiensi program APU, Usual) performance to improve the effectiveness and
PPT, dan PPPSPM sejalan dengan kebutuhan dari efficiency of APU, PPT, and PPPSPM programs in line with
Regulator. the needs of the Regulator.
i. Penguatan pelaksanaan Quality Control (QC) i. Strengthening the implementation of Quality Control
pengawasan terhadap kuantitas dan Quality Assurance (QC) supervision of quantity and Quality Assurance (QA)
(QA) pengawasan terhadap kualitas pelaporan APU, PPT, supervision of the quality of APU, PPT, and PPPSPM
dan PPPSPM. reporting.
j. Di samping itu sejalan dengan tren perbankan dan j. In addition, in line with the trend of banking and digital
ekonomi digital, Bank telah memanfaatkan teknologi economy, the Bank has utilized technology to help fulfill
dalam membantu pemenuhan aturan Know Your the Know Your Customer regulation through system
Customer melalui pengembangan sistem antara lain development including the use of face recognition.
penggunaan face recognition.
k. Monitoring dan memastikan penerapan GCG Bank dan k. Monitoring and ensuring the implementation of GCG
Konglomerasi Keuangan Sinar Mas telah berjalan sesuai Bank and Sinar Mas Financial Conglomerate has been
406 dengan ketentuan yang berlaku. running in accordance with applicable provisions.
Ikhtisar Kinerja
2024
Laporan
Manajemen
LEGAL GROUP
Profil
Perusahaan
Analisis dan Legal Group
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
Seiring dengan meningkatnya kompleksitas bisnis, Bank Along with the increasing complexity of the business, Bank
TATA KELOLA Sinarmas menugaskan Legal Group untuk mengidentifikasi Sinarmas has assigned the Legal Group to identify and
PERUSAHAAN serta mengurangi risiko hukum yang mungkin timbul reduce legal risks that may arise from the Bank’s business
dari kegiatan usaha Bank. Legal Group berada di bawah activities. The Legal Group is under the Compliance & Risk
Laporan Direktorat Compliance & Risk Management, bersama Management Directorate, together with several other work
Keberlanjutan dengan beberapa unit kerja lainnya. units.
Fungsi yang dijalankan Legal Group sangat penting, antara The functions carried out by the Legal Group are very
lain: important, including:
1. Tindakan Pencegahan (Preventive) 1. Preventive Action
a. Legal Review a. Legal Review
Identifikasi risiko hukum dalam rangka tindakan Identification of legal risks in the context of actions
dan keputusan yang diambil oleh Bank, baik dalam and decisions taken by the Bank, both in the context
rangka pemberian fasilitas kredit, maupun kerja of providing credit facilities, and cooperation with
sama dengan pihak lain; other parties;
b. Legal Advice b. Legal Advice
Diskusi interaktif dengan seluruh unit kerja Bank Interactive discussions with all Bank work units in
dalam rangka pemberian opini hukum dan bantuan order to provide legal opinions and direct legal
hukum secara langsung terhadap peristiwa hukum assistance for legal events and/or legal problems
dan/atau permasalahan hukum yang sedang currently being faced by the Bank;
dihadapi oleh Bank;
c. Legal Awareness c. Legal Awareness
Dalam rangka meningkatkan legal awareness In order to increase legal awareness in all Bank
di seluruh Cabang Bank Sinarmas, Legal Group Sinarmas Branches, the Legal Group carries out
melakukan action plan tahunan bersama-sama an annual action plan together with the Customer
dengan Unit Kerja Pengenalan Nasabah (UKPN), Recognition Work Unit (UKPN), Service Quality and
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Page 409
Service Quality dan Anti-Fraud melalui pemberian Anti-Fraud by providing introductory basic legal
materi pengantar hukum dasar dan pembahasan materials and discussing legal cases faced by each
legal cases yang dihadapi oleh setiap cabang. branch. This basic legal knowledge provision is
Pembekalan pengetahuan hukum dasar ini diberikan provided to operational officials (Regional Operation
kepada pejabat-pejabat operasional (Regional Manager, Head of Operation, Supervisor, Branch
Operation Manager, Head of Operation, Supervisor, Internal Control, Teller, and Customer Service).
Branch Internal Control, Teller, dan Customer These officials are expected to have sufficient basic
Service). Pejabat-pejabat tersebut diharapkan dapat legal competence and understanding to be able
memiliki kompetensi dan pemahaman hukum dasar to mitigate or minimize the emergence of legal
yang cukup kuat untuk dapat memitigasi ataupun problems;
meminimalisir timbulnya permasalahan hukum;
d. Legal Knowledge d. Legal Knowledge
Legal Group bekerja sama dengan Learning Center The Legal Group collaborates with the Learning
untuk memberikan materi pembekalan mengenai Center to provide provision materials on law and
hukum dan permasalahannya kepada peserta its problems to participants of the Management
Management Development Program (MDP) dan
Corporate Banking Development Program (CBDP).
Development Program (MDP) and Corporate
Banking Development Program (CBDP). T h e
407
Legal Group juga memberikan materi pada training Legal Group also provides materials on refreshment
2024
refreshment yang dilakukan bersama dengan training conducted together with other work units. In Performance
unit kerja lainnya. Selain itu, Legal Group juga addition, the Legal Group also collaborates with the Highlights
bekerja sama dengan Corporate Secretary untuk Corporate Secretary to provide materials on law that
memberikan materi mengenai hukum yang akan will be displayed on the News Lens, which can be Management
ditampilkan pada Lensa Berita yang dapat diakses accessed by all Bank Sinarmas employees; Report
oleh seluruh karyawan Bank Sinarmas;
e. Legal Drafting e. Legal Drafting Company
Melakukan drafting atas Perjanjian dan/atau Drafting Agreements and/or documents including Profile
dokumen-dokumen antara lain namun tidak terbatas but not limited to Cooperation Agreements, Credit
pada Perjanjian Kerja Sama, Perjanjian Kredit, Agreements, Guarantee Agreements, Lease
Management
Perjanjian Jaminan, Perjanjian Sewa Menyewa dan/ Agreements and/or Directors’ Power of Attorney; Discussion and
atau Surat Kuasa Direksi; Analysis
f. Legal Resume f. Legal Resume
Suatu dokumen tertulis yang merupakan A written document that is an examination of the Business
pemeriksaan atas data-data legalitas calon/atau legal data of prospective/or debtors including legal Support
debitur yang meliputi subyek hukum, perizinan, dan subjects, permits, and collateral before a credit Overview
jaminan sebelum dilakukan pengikatan kredit dan/ agreement and/or collateral agreement is made;
atau pengikatan jaminan; CORPORATE
2. Menangani Permasalahan Hukum 2. Handling Legal Issues GOVERNANCE
Legal Group mewakili perusahaan berdasarkan The Legal Group represents the company based on a
Surat Kuasa untuk melakukan perbuatan hukum Power of Attorney to carry out legal acts outside the Sustainability
di luar pengadilan, seperti pendampingan untuk court, such as assistance for civil and criminal cases and Report
perkara perdata maupun pidana serta memberikan providing reports to the company’s management for
laporan kepada pimpinan perusahaan untuk setiap every development of the case being handled;
perkembangan perkara yang sedang ditanganinya;
3. Melakukan Review Kinerja Untuk Pihak Ketiga 3. Conducting Performance Reviews for Third Parties
Legal Group melakukan review secara berkala terhadap The Legal Group conducts periodic reviews of the
kinerja pihak ketiga dalam penyelesaian dokumen kredit performance of third parties in completing credit
dan dokumen terkait lainnya; documents and other related documents;
4. Membina Hubungan Baik 4. Building Good Relations
Legal Group senantiasa mengedepankan hukum dan The Legal Group always prioritizes the law and
menjalin hubungan baik dengan instansi dan regulator dalam establishes good relations with agencies and regulators
rangka penegakan hukum atas penanganan permasalahan in the context of law enforcement for handling legal
hukum yang dihadapi oleh Bank Sinarmas; dan problems faced by Bank Sinarmas; and
5. Penguatan kompetensi personel Legal Group Bank 5. Strengthening the competence of Bank Sinarmas Legal
Sinarmas dipilih berdasarkan latar belakang pendidikan Group personnel selected based on a legal educational
hukum (minimal S1 Hukum). Upaya penguatan dan background (minimum S1 Law). Efforts to strengthen and
peningkatan profesi legal terus dilakukan oleh Perseroan, improve the legal profession continue to be carried out
dengan melakukan workshop atau training secara by the Company, by conducting workshops or training
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Page 410
berkala. Salah satu bentuk penguatan kompetensi adalah periodically. One form of competency strengthening is
melakukan rapat kerja setiap tahun dengan seluruh legal to hold an annual work meeting with all legal regional
kantor wilayah dan mengundang Unit Kerja Corporate offices and invite the Corporate Secretary Work Unit,
Secretary, Unit Kerja Loan Recovery Group dan Unit Kerja Loan Recovery Group Work Unit and other related Work
terkait lainnya. Dalam rapat kerja tersebut turut diundang Units. In the work meeting, Lawyers and Notaries were
Pengacara dan Notaris untuk memberikan pandangan also invited to provide legal views and discussions to
hukum serta diskusi untuk menambah pengetahuan increase knowledge about the legal dynamics that occur.
mengenai dinamika hukum yang terjadi.
408 PERKARA PENTING YANG DIHADAPI
Ikhtisar Kinerja Legal Cases
2024
Laporan
Manajemen
Profil Perkara hukum yang dihadapi Bank di sepanjang tahun Legal cases faced by the Bank throughout 2024, namely:
Perusahaan
2024, yakni:
Analisis dan
Pembahasan Permasalahan Hukum Perdata (Bank sebagai Tergugat)
Manajemen Legal Issues Civil Law (Bank as Defendant)
Unit Usaha Konvensional Unit Usaha Syariah Status Penyelesaian
Tinjauan Business Unit Conventional Sharia Business Unit Resolution Status
Pendukung Tahun
Bisnis 2024 2023 2024 2023
Year
Perkara yang telah Selesai (Mempunyai Kekuatan Hukum Tetap)
TATA KELOLA Cases That Have Been Resolved (Legally Binding/Final and 1 10 0 1 1
PERUSAHAAN Binding Verdicts)
Perkara dalam Proses Penyelesaian (posisi Desember 2024)
11 2 0 1 11
Laporan Cases in the Process of Resolution (as of December 2024)
Keberlanjutan
Permasalahan hukum yang dihadapi Bank tidak memberikan Legal issues faced by the Bank do not have a significant
pengaruh signifikan terhadap kondisi Bank. impact on the Bank’s condition.
Perkara Penting yang Dihadapi Direksi dan Legal Cases Faced by the Board of Directors
Dewan Komisaris and Board of Commissioners
Dewan Komisaris maupun anggota Direksi Bank Sinarmas The Board of Commissioners and members of the Board of
tidak menghadapi perkara hukum baik perdata maupun Directors of Bank Sinarmas did not face any civil or criminal
pidana sepanjang tahun 2024. legal cases throughout 2024.
Permasalahan Hukum Perdata Pidana Status Penyelesaian
Legal Issues Civil Criminal Resolution Status
Perkara yang telah Selesai (Mempunyai Kekuatan Hukum Tetap) NIHIL NIHIL NIHIL
Cases That Have Been Resolved (Legally Binding/Final and Binding Verdicts) NIL NIL NIL
Perkara dalam Proses Penyelesaian (posisi Desember 2024) NIHIL NIHIL NIHIL
Cases in the Process of Resolution (as of December 2024) NIL NIL NIL
Dampak Bagi Bank Impact on the Bank
Perkara hukum yang dihadapi tidak berdampak terhadap The legal proceedings have no effect on the Bank’s
kegiatan usaha Bank. operational activities.
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Page 411
Sanksi Administratif Administrative Sanctions
Selama tahun 2024, tidak terdapat sanksi administratif Throughout 2024, the Bank, members of the Board of
yang material kepada Bank, anggota Dewan Komisaris dan Commissioners, and members of the Board of Directors did
anggota Direksi oleh Otoritas Jasa Keuangan dan otoritas not receive any material administrative sanctions from the
lainnya, yang memengaruhi kelangsungan usaha Bank Financial Services Authority or other regulatory bodies that
maupun sanksi yang berdampak kepada Manajemen Bank. affected the Bank’s business continuity or had an impact on
its management.
KETERBUKAAN INFORMASI
Information Disclosure 409
2024
Performance
Highlights
Bank Sinarmas menyampaikan keterbukaan informasi sesuai Bank Sinarmas discloses information in accordance with Management
ketentuan peraturan perundang-undangan sebagai wujud applicable laws and regulations as part of its commitment to Report
kepatuhan terhadap penerapan prinsip GCG. Sepanjang implementing the principles of Good Corporate Governance
tahun 2024, Bank telah memenuhi kewajiban terkait (GCG). Throughout 2024, the Bank fulfilled its disclosure Company
keterbukaan informasi melalui berbagai saluran, termasuk obligations through various channels, including mass media, Profile
media massa, sistem pelaporan elektronik ke Otoritas Jasa electronic reporting systems to the Financial Services
Keuangan, Bursa Efek Indonesia, situs web Bank, serta Authority, the Indonesia Stock Exchange, the Bank’s official
Management
penyampaian laporan secara berkala maupun insidental website, as well as through the submission of both periodic Discussion and
kepada regulator. and incidental reports to regulators. Analysis
Rincian Pelaksanaan Keterbukaan Informasi Details of the Implementation of Information Business
Disclosure Support
Overview
Perihal Keterangan Jumlah
Regarding Description Total CORPORATE
Keterbukaan Informasi atas Laporan Informasi atau Fakta Material Insidental GOVERNANCE
1
Disclosure of Information on Material Information or Fact Reports Incidental
Laporan Bulanan Registrasi Pemegang Efek Rutin
12 Sustainability
Monthly Report of Securities Holder Registration Routine
Report
Laporan Data Hutang Valuta Asing Rutin
12
Foreign Currency Debt Data Report Routine
Laporan Tahunan Rutin
1
Annual Report Routine
Laporan Keuangan Tahunan Rutin
1
Annual Financial Report Routine
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Page 412
AKSES INFORMASI DAN
DATA PERUSAHAAN
Company Information And Data Access
Bank Sinarmas menyediakan akses informasi bagi seluruh Bank Sinarmas provides information access for all
pemangku kepentingan, melalui: stakeholders, through:
Situs Web www.banksinarmas.com
Website
Call Center 1500153; (021) 501 88888
410 Customer Care care@banksinarmas.com
E-mail corporate.secretary@banksinarmas.com
Ikhtisar Kinerja Media Sosial Facebook : Bank Sinarmas
2024 Social Media
X : @BankSinarmas
Instagram : @BankSinarmas
Laporan
Manajemen Youtube : BankSinarmas
LinkedIn : BankSinarmas
Profil TikTok : @banksinarmasofficial
Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
TATA KELOLA
PERUSAHAAN SISTEM PELAPORAN PELANGGARAN
[GRI 2-16][GRI 2-26]
Laporan
Keberlanjutan
Whistleblowing System
Industri perbankan merupakan sektor yang sangat vital dalam The banking industry constitutes a highly vital sector within the
perekonomian global. Sebagai lembaga yang berperan global economy. As institutions entrusted with managing the
dalam mengelola aliran uang dan transaksi keuangan, Bank flow of funds and financial transactions, banks are required
harus memelihara integritas dan kepercayaan publik. Salah to uphold the highest standards of integrity and public trust.
satu cara untuk memastikan keberlanjutan tersebut adalah Ensuring long-term sustainability necessitates, among other
dengan membangun sistem pelaporan pelanggaran dan things, the establishment of a robust whistleblowing system
manajemen anti-fraud (penipuan) yang efektif. and an effective anti-fraud management framework.
Pentingnya Sistem Pelaporan Pelanggaran yang The Importance of an Effective Whistleblowing
Efektif System
Sistem pelaporan pelanggaran yang baik adalah fondasi A well-functioning whistleblowing system serves as a
utama dalam upaya mencegah dan mengidentifikasi praktik fundamental pillar in the prevention and detection of fraud
fraud (penipuan) atau pelanggaran lainnya yang terjadi di and other forms of misconduct within the banking sector.
dalam perbankan. Pelanggaran ini bisa terjadi pada berbagai Such violations may occur at various levels, involving
level, baik dari pegawai bank, nasabah, atau pihak ketiga bank employees, customers, or third parties engaged in
yang terlibat dalam transaksi. Tanpa sistem pelaporan yang transactions. Without a transparent and secure reporting
transparan dan aman, akan sulit untuk mendeteksi kesalahan mechanism, it becomes exceedingly difficult to uncover
Laporan Tahunan & Keberlanjutan
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Page 413
atau tindak pidana yang bisa merugikan bank, nasabah, dan wrongdoing or criminal acts that could harm the bank, its
perekonomian secara keseluruhan. clients, and the broader economy..
Sistem pelaporan harus memastikan bahwa setiap laporan The reporting system must ensure that all violation reports
pelanggaran dapat diakses dengan mudah oleh pihak are readily accessible to authorized parties while maintaining
yang berwenang, namun tetap menjaga kerahasiaan dan the confidentiality and security of the whistleblower’s data.
keamanan data pelapor. Hal ini penting untuk mencegah This is essential to prevent any form of intimidation or
intimidasi atau pembalasan terhadap individu yang berani retaliation against individuals who come forward to report
melaporkan pelanggaran yang terjadi. Sistem pelaporan misconduct. Bank Sinarmas has adopted a whistleblowing
Bank Sinarmas sudah menyesuaikan dengan teknologi system that leverages the latest technology to facilitate
terkini, agar mempercepat dan mempermudah pelaporan, faster and more convenient reporting, without compromising
dengan tetap mengedepankan kerahasiaan pelapor. the confidentiality of the whistleblower.
Bank Sinarmas telah menerapkan sistem pelaporan Bank Sinarmas has implemented a Whistleblowing System
pelanggaran (whistleblowing system/WBS) sebagai (WBS) as a communication channel for both internal and
saluran komunikasi bagi pihak internal dan eksternal untuk
melaporkan tindakan fraud, pelanggaran hukum, Kode
external parties to report incidents of fraud, legal violations,
breaches of the Code of Ethics, and/or conflicts of interest
411
Etik, dan/atau benturan kepentingan yang dilakukan oleh involving Bank employees or management. Reports
2024
karyawan atau pimpinan Bank. Pengaduan yang disampaikan submitted through the WBS must be made in good faith Performance
melalui WBS harus didasarkan pada itikad baik dan tidak and must not constitute personal grievances or defamatory Highlights
boleh berupa keluhan pribadi atau fitnah. Selain itu, WBS content. The WBS also reflects the Bank’s commitment to
dilaksanakan sebagai wujud penerapan GCG agar tercipta Good Corporate Governance (GCG) and aims to foster a Management
situasi kerja yang bersih dan bertanggung jawab. clean and accountable working environment. Report
Bank telah menyusun Kebijakan WBS yang disahkan melalui The Bank has prepared a WBS Policy, which was ratified through Company
Surat Keputusan SK.013/2024/DIR1-AFM pada 3 Desember Decree SK.013/2024/DIR1-AFM on December 3, 2024. The Profile
2024. Bank juga mengikuti pedoman dari peraturan Bank Bank also follows the guidelines of Bank Indonesia and Financial
Indonesia dan Otoritas Jasa Keuangan, terutama Otoritas Services Authority regulations, especially Financial Services
Management
Jasa Keuangan No. 12 Tahun 2024 tentang Penerapan Authority No. 12 of 2024 concerning the Implementation of Anti- Discussion and
Strategi Anti Fraud bagi Lembaga Jasa Keuangan. Fraud Strategies for Financial Services Institutions. Analysis
WBS Bank Sinarmas dikelola secara mandiri oleh internal Bank Sinarmas’ WBS is managed independently by the Business
Bank secara Independen dan profesional, di mana petugas Bank’s internal independently and professionally, where the Support
yang menerima laporan adalah petugas khusus yang officer who receives the report is a special officer appointed Overview
ditunjuk langsung oleh Direktur Utama. Sementara itu, directly by the President Director. Meanwhile, the Board of
Dewan Komisaris berperan aktif dalam pelaksanaan dan Commissioners plays an active role in the implementation CORPORATE
pengawasan atas penerapan sistem pelaporan pelanggaran and supervision of the Bank’s violation reporting system. The GOVERNANCE
Bank. Peran aktif yang dilakukan Dewan Komisaris, di active role carried out by the Board of Commissioners includes
antaranya menerima dan mengkaji laporan yang disampaikan receiving and reviewing reports submitted by Anti-Fraud Sustainability
Anti-Fraud Management (AFM) sebagai koordinator Management (AFM) as the coordinator of whistleblowing Report
penanganan whistleblowing melalui Komite Pemantau Risiko handling through the Risk Monitoring Committee periodically
secara berkala setiap triwulan. Laporan yang disampaikan every quarter. The reports submitted contain the number
berisikan terkait jumlah laporan yang masuk, yang terbukti of reports received, those that are proven and unproven,
dan tidak terbukti, sanksi yang diberikan kepada karyawan sanctions given to employees if proven to have committed
bila terbukti melakukan fraud/pelanggaran, serta tindak lanjut fraud/violations, and follow-up actions taken by the Bank on
yang dilakukan oleh Bank terhadap kasus yang dilaporkan. reported cases.
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Tujuan dan Manfaat Whistleblowing System Purpose and Benefits of the Whistleblowing
System
Tujuan Manfaat
Purpose Benefits
Sebagai sarana bagi pelapor untuk melaporkan tindakan fraud, Tersedianya cara penyampaian informasi penting dan kritis bagi
pelanggaran kode etik, kebijakan internal Bank Sinarmas lainnya tanpa perusahaan kepada pihak yang harus segera menanganinya secara
rasa takut atau khawatir karena dijamin kerahasiaannya. aman.
The system serves as a platform for whistleblowers to report fraudulent It provides a secure means of communicating important and critical
activities, breaches of the Code of Ethics, and other internal policies of information to the relevant parties who must address it promptly.
Bank Sinarmas without fear or concern, as confidentiality is guaranteed.
Agar indikasi fraud yang terjadi dapat dideteksi dan dicegah sedini Tersedianya mekanisme deteksi dini (early warning system) atas
mungkin. kemungkinan terjadinya masalah akibat suatu pelanggaran.
To ensure that indications of fraud are detected and prevented at the The availability of an early warning system to detect potential issues
earliest possible stage arising from any violations.
412 Pengelola Pengaduan Complaints Management
Ikhtisar Kinerja
Bank Sinarmas telah menunjuk Whistleblowing Officer (WO), Bank Sinarmas has appointed a Whistleblowing Officer (WO),
2024 seorang petugas yang secara khusus ditunjuk oleh Direktur an officer specifically appointed by the President Director to
Utama untuk mengelola dan menganalisis pengaduan atau manage and analyze complaints or reports received.
Laporan pelaporan yang diterima.
Manajemen
Jenis Pelaporan Types of Reporting
Profil • Pelaporan Internal: Pelaporan oleh pegawai bank • Internal Reporting: Reporting by bank employees to
Perusahaan
terhadap rekan sejawat atau pihak manajemen yang colleagues or management involved in violations.
terlibat dalam pelanggaran.
Analisis dan
Pembahasan • Pelaporan Eksternal: Pelaporan oleh nasabah atau • External Reporting: Reporting by customers or third
Manajemen pihak ketiga yang melihat adanya indikasi pelanggaran parties who see indications of violations or abuse.
atau penyalahgunaan.
Tinjauan
Pendukung
Bisnis
Alur Penanganan Pengaduan Complaint Handling Flow
1. Pelapor/whistleblower melakukan laporan pelanggaran 1. The reporter/whistleblower reports violations through
TATA KELOLA melalui sarana pengaduan. WO bertugas untuk the complaint facility. The WO is tasked with receiving,
PERUSAHAAN menerima, menganalisis, menindaklanjuti dan memonitor analyzing, following up and monitoring the report. The
laporan tersebut. WO akan meminta data tambahan WO will request additional data from the reporter if
Laporan kepada pelapor jika diperlukan dalam jangka waktu necessary within 10 working days. The WO ensures that
Keberlanjutan 10 hari kerja. WO memastikan data yang disampaikan the data submitted is sufficient and meets the criteria.
sudah memadai dan memenuhi kriteria.
2. WO berkoordinasi dengan Divisi Anti-Fraud, Satuan 2. The WO coordinates with the Anti-Fraud Division,
Kerja Audit Internal, Unit Anti Penyuapan, Divisi HCM, Internal Audit Work Unit, Anti-Bribery Unit, HCM Division,
dan kantor cabang. Dalam waktu maksimal 3 hari kerja and branch offices. Within a maximum of 3 working days,
laporan pengaduan wajib sudah diberikan kepada the complaint report must be submitted to the relevant
unit kerja terkait. Setiap unit kerja memiliki tugas work unit. Each work unit has the task and responsibility
dan tanggung jawab untuk melakukan deteksi awal, to conduct early detection, investigation, validation until
investigasi, validasi sampai dengan penyelesaian atas the resolution of fraud cases or other irregularities.
kasus kecurangan ataupun penyimpangan lainnya.
3. WO akan memberikan informasi terkait status 3. WO will provide information related to the status of the
perkembangan pelaporan yang telah diteruskan ke progress of the report that has been forwarded to the
Unit kerja Investigasi kepada pelapor. Perkembangan Investigation Work Unit to the reporter. The development
informasi yang diberikan Unit Kerja Investigasi selambat- of information provided by the Investigation Work Unit is
lambatnya 1 bulan sejak tanggal pelaporan. no later than 1 month from the date of reporting.
4. WO wajib melakukan monitoring dan melaporkan jumlah 4. WO is required to monitor and report the number of
pengaduan yang masuk setiap 3 bulan kepada Direktur complaints received every 3 months to the President
Utama dengan tembusan kepada Direktur Kepatuhan. Director with a copy to the Compliance Director. In
Selain itu, WO juga wajib melakukan dokumentasi addition, WO is also required to document the receipt of
penerimaan pelaporan dengan tertib dan rahasia. reports in an orderly and confidential manner.
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5. Divisi Anti-Fraud akan menyampaikan laporan 5. The Anti-Fraud Division will submit a report on the results
hasil penanganan pengaduan kepada manajemen of handling complaints to management containing
berisi kesimpulan, rekomendasi perbaikan sistem conclusions, recommendations for improving the
pengendalian intern jika dinilai masih terdapat internal control system if it is considered that there are
kelemahan, serta rekomendasi pemberian sanksi still weaknesses, and recommendations for imposing
kepada petugas terkait kelemahan yang ditimbulkan. sanctions on officers related to the weaknesses that
Penanganan dari kasus yang dilaporkan bertujuan untuk arise. Handling of reported cases aims to strengthen
memperkuat sistem pengendalian intern dan memotivasi the internal control system and motivate all parties/
seluruh pihak/karyawan untuk menghindari kegiatan/ employees to avoid activities/transactions that can
transaksi yang dapat berpotensi/berakibat merugikan potentially/have detrimental consequences or disrupt
maupun mengganggu operasional Bank. Bank operations.
Bagan Alur Pelaporan Pelanggaran Flowchart for Reporting Violations
Laporan Pelanggaran Menerima Laporan Penyelidikan Status Laporan 413
Violation Report Receive Report Investigation Report Status
2024
Performance
Highlights
Management
Report
Company
Cara Penyampaian Laporan Pelanggaran How to Submit a Violation Report Profile
Pelapor, baik dari pihak internal maupun eksternal, dapat The reporter, both from internal and external parties, can
menyampaikan laporannya melalui sarana pengaduan submit their report through the complaint facility by fulfilling
Management
dengan memenuhi ketentuan pelaporan. the reporting requirements. Discussion and
Analysis
Sarana Pengaduan Complaint Facilities
Situs Web : www.banksinarmas.com Website : www.banksinarmas.com Business
E-mail : infokan@banksinarmas.com E-mail : infokan@banksinarmas.com Support
WhatsApp : 0881 1500 153 WhatsApp : 0881 1500 153 Overview
Telepon : 0881 1500 153 Telephone : 0881 1500 153
SMS : 0881 1500 153 SMS : 0881 1500 153 CORPORATE
Line : 0881 1500 153 Line : 0881 1500 153 GOVERNANCE
Hal-hal yang Harus Dipenuhi oleh Pelapor Things That Must Be Fulfilled by the Reporter Sustainability
Untuk mempermudah dan mempercepat proses tindak To facilitate and accelerate the follow-up process, there Report
lanjut, terdapat beberapa hal yang harus dipenuhi oleh are several things that must be fulfilled by the reporter in
pelapor dalam menyampaikan pengaduannya. submitting their complaint.
1. Memberikan informasi mengenai identitas diri pelapor 1. Provide information regarding the reporter’s identity to
untuk memudahkan komunikasi dengan pelapor, facilitate communication with the reporter, at least:
sekurang-kurangnya:
a. Nama pelapor (diperbolehkan menggunakan anonim); a. Reporter’s name (allowed to use anonymous);
b. No. telepon/alamat e-mail yang dapat dihubungi. b. Telephone number/e-mail address that can be contacted.
2. Harus memberikan indikasi awal yang dapat 2. Must provide an initial indication that can be accounted
dipertanggungjawabkan (5W & 1H) yang meliputi: for (5W & 1H), which includes:
a. Indikasi/fakta penyimpangan atau pelanggaran yang a. Indication/fact of deviation or violation that occurred
terjadi (What); (What);
b. Pihak yang diindikasikan sebagai pelaku dan/atau b. The party indicated as the perpetrator and/or party
pihak yang terlibat (Who); involved (Who);
c. Kapan dan di mana terjadinya (When); c. When and where it occurred (When);
d. Kenapa penyimpangan/pelanggaran dapat terjadi (Why); d. Why the deviation/violation could occur (Why);
e. Modus/cara yang digunakan (How); e. The mode/method used (How);
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f. Potensi kerugian yang diderita oleh Bank (untuk f.Potential losses suffered by the Bank (for cases
kasus yang melibatkan aspek finansial); involving financial aspects);
g. Keterangan/informasi lain yang dianggap perlu, g. Other information/statements deemed necessary,
seperti adanya perubahan sikap/perilaku/gaya hidup such as changes in attitude/behavior/lifestyle or
maupun tingkat konsumsi yang diduga atau patut consumption levels that are suspected or should be
diduga menunjukkan ketidakwajaran sesuai dengan suspected of indicating irregularities in accordance
kemampuan karyawan tersebut. with the employee’s capabilities.
3. Laporan yang disampaikan harus berhubungan dengan: 3. The report submitted must relate to:
a. Pelanggaran yang dapat menimbulkan kerugian a. Violations that can cause financial or non-financial
finansial maupun non-finansial; losses;
b. Pelanggaran hukum; b. Violations of the law;
c. Pelanggaran Kode Etik; c. Violations of the Code of Ethics;
d. Pelanggaran benturan kepentingan; d. Violations of conflict of interest;
e. Pelanggaran lainnya yang dapat dipersamakan e. Other violations that can be equated with that.
dengan itu.
414 Perlindungan Bagi Pelapor Protection for Whistleblowers
Ikhtisar Kinerja
Bank menjamin perlindungan bagi pelapor, mencakup: The Bank guarantees protection for whistleblowers, including:
2024 1. Jaminan kerahasiaan identitas pelapor dan isi laporan 1. Guarantee of confidentiality of the whistleblower’s
yang disampaikan; identity and the contents of the report submitted;
Laporan 2. Jaminan perlindungan terhadap perlakuan yang 2. Guarantee of protection against treatment that is
Manajemen merugikan pelapor; dan detrimental to the whistleblower; and
3. Jaminan perlindungan dari kemungkinan adanya 3. Guarantee of protection from possible threats,
Profil tindakan ancaman, intimidasi, hukuman ataupun tindakan intimidation, punishment or other unpleasant actions
Perusahaan
tidak menyenangkan lainnya dari pihak terlapor. from the reported party.
Analisis dan
Pembahasan Jumlah Pengaduan Number of Complaints
Manajemen Pada tahun 2024, Bank menerima 11 laporan terkait pengaduan In 2024, the Bank received 11 reports related to complaints
pelanggaran yang masuk melalui saluran Whistleblowing of violations received through the Whistleblowing System
Tinjauan System, baik melalui telepon, e-mail, WhatsApp, dan Line. channel, either by telephone, e-mail, WhatsApp, and Line.
Pendukung
Bisnis
Media Pelaporan Tindak Lanjut Pengaduan
Media for Reporting Complaint Follow-up
TATA KELOLA
PERUSAHAAN Tahun Laporan yang Selesai
Year Laporan dalam Proses Ditindaklanjuti
E-mail SMS Telepon Messenger Website
Reports in Process Reports that Has been
Laporan Followed Up and Resolved
Keberlanjutan
2024 7 0 0 2 2 1 10
Pemberian Sanksi terkait Laporan Imposition of Sanctions Related to Reports
Berdasarkan laporan terkait indikasi fraud yang disampaikan In 2024, based on reports of fraud indications submitted
melalui WBS selama tahun 2024, Bank telah memberikan through the WBS, the Bank imposed sanctions on two
sanksi kepada 2 karyawan yang terindikasi melakukan fraud. employees identified as having engaged in fraudulent
activities.
Pakta Integritas
Dalam rangka mengembangkan budaya dan kepedulian Integrity Pact
anti-fraud di seluruh jenjang organisasi dan sebagai bentuk In order to develop an anti-fraud culture and concern at
pernyataan anti terhadap fraud, maka seluruh Manajemen dan all levels of the organization and as a form of anti-fraud
karyawan memerlukan komitmen yang sungguh-sungguh statement, all Management and employees require a
dari seluruh jajaran yang ada pada PT. Bank Sinarmas Tbk. serious commitment from all levels of PT. Bank Sinarmas
Merujuk Peraturan Otoritas Jasa Keuangan No. 12 Tahun Tbk. Referring to Financial Services Authority Regulation
2024 tentang Penerapan Strategi Anti-Fraud bagi Lembaga No. 12 of 2024 concerning the Implementation of Anti-Fraud
Jasa Keuangan, disebutkan bahwa penerapan Strategi Anti- Strategy for Financial Services Institutions, it is stated that
Fraud dilakukan antara lain dengan cara menumbuhkan the implementation of the Anti-Fraud Strategy is carried
kesadaran atas risiko serta kepedulian dari Budaya Anti- out, among others, by raising awareness of the risks and
Fraud pada seluruh Jajaran Organisasi Bank, di antaranya concerns of the Anti-Fraud Culture throughout the Bank’s
dengan penandatanganan Pakta Integritas. Organizational Ranks, including by signing the Integrity Pact.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 417
Di saat diperlukannya sebuah komitmen bersama dengan When a joint commitment is needed by showing good
menunjukkan iktikad, baik untuk menumbuhkan budaya faith, both to foster a risk-aware culture (Risk Culture) and
sadar risiko (Risk Culture) maupun kepedulian Anti-Fraud, Anti-Fraud concern, it is necessary to sign the Anti-Fraud
maka perlu kiranya melaksanakan penandatanganan Declaration and Integrity Pact. The signing of the Integrity
Deklarasi Anti-Fraud dan Pakta Integritas. Penandatanganan Pact was carried out by the Board of Commissioners and the
Pakta Integritas dilakukan oleh Dewan Komisaris dan Dewan Board of Directors, followed by attestation by all employees.
Direksi yang kemudian diikuti atestasi oleh seluruh karyawan. The signing of the Integrity Pact is carried out periodically
Penandatanganan Pakta Integritas dilakukan secara berkala twice in 1 year.
sebanyak 2 kali dalam 1 Tahun.
415
KODE ETIK DAN PEDOMAN 2024
TINGKAH LAKU Performance
Highlights
Code of Ethics and Guidelines of Conduct
Management
Report
Kebijakan Kode Etik dan Pedoman Tingkah Laku merupakan The Code of Ethics and Guidelines of Conduct Policy is a Company
pedoman dasar dalam bersikap dan bertindak bagi seluruh basic guideline for behaving and acting for all Bank Sinarmas Profile
insan Bank Sinarmas serta menjadi bagian integral dari employees and is an integral part of the company’s policy.
kebijakan perusahaan. Setiap keputusan dan tindakan Every decision and action taken on behalf of the company
Management
yang diambil atas nama perusahaan diarahkan oleh standar is guided by high standards of personal and professional Discussion and
integritas pribadi dan profesional yang tinggi, sesuai integrity, in accordance with applicable laws and regulations. Analysis
dengan ketentuan perundang-undangan yang berlaku. Details of the Code of Ethics and Guidelines of Conduct Policy
Detail tentang Kebijakan Kode Etik dan Pedoman Tingkah prepared by the Organization Development & Industrial Business
Laku yang disusun oleh Divisi Organization Development Relations Division - Group Human Capital Management have Support
& Industrial Relations – Group Human Capital Management been in effect since September 20, 2023, and have been Overview
berlaku sejak 20 September 2023, dan telah dipublikasikan published on the Bank’s website on the Investor Relations
di situs web Bank pada laman Hubungan Investor bagian page under Policies Related to Governance. CORPORATE
Kebijakan Terkait Tata Kelola. GOVERNANCE
Pokok-Pokok Kode Etik dan Pedoman Tingkah Main Points of the Code of Ethics and Sustainability
Laku Guidelines of Conduct Report
Kode Etik dan Pedoman Tingkah Laku Bank Sinarmas Bank Sinarmas’ Code of Ethics and Guidelines of Conduct
menguraikan secara ringkas prinsip, kebijakan, dan peraturan briefly outlines the principles, policies, and regulations
yang mengatur kegiatan Bank yang harus ditaati oleh seluruh governing the Bank’s activities that must be adhered to by
karyawan dan pihak lain yang bekerja dengan Bank atau all employees and other parties working with the Bank or
yang mewakili Bank baik secara langsung maupun tidak representing the Bank, either directly or indirectly, as stated
langsung sebagaimana tertuang dalam Surat Keputusan in Decree No.SK.114/2023/PRESDIR-HCSS concerning the
No.SK.114/2023/PRESDIR-HCSS tentang Kebijakan Kode Etik Code of Ethics and Guidelines of Conduct Policy. Bank
dan Pedoman Tingkah Laku. Kode Etik dan Pedoman Tingkah Sinarmas’ Code of Ethics and Guidelines of Conduct consist
Laku Bank Sinarmas terdiri dari 10 (sepuluh) bagian, yaitu: of 10 (ten) parts, namely:
1. Ketentuan Umum 1. General Provisions
2. Hubungan dengan Perusahaan; 2. Relationship with the Company;
3. Hubungan dengan Nasabah; 3. Relationship with Customers;
4. Hubungan dengan Rekanan (pemasok/suppliers, vendor, 4. Relationship with Partners (suppliers, vendors,
konsultan); consultants);
5. Hubungan dengan Pesaing; 5. Relationship with Competitors;
6. Hubungan dengan Pemegang Saham; 6. Relationship with Shareholders;
7. Hubungan dengan Regulator; 7. Relationship with Regulators;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 418
8. Hubungan dengan Stakeholder lainnya; 8. Relationship with other Stakeholders;
9. Penerimaan dan pemberian hadiah/bingkisan/ 9. Acceptance and giving of gifts/parcels/compensation/
kompensasi/hiburan (entertainment); dan entertainment; and
10. Pelaporan atas pelanggaran atau potensi pelanggaran. 10. Reporting of violations or potential violations.
Pengungkapan bahwa Kode Etik dan Pedoman Disclosure that the Code of Ethics and
Tingkah Laku Berlaku bagi Seluruh Level Code of Conduct Applies to All Levels of the
Organisasi Organization
Kode Etik dan Pedoman Tingkah Laku berlaku bagi seluruh The Code of Ethics and Code of Conduct apply to all Bank
insan Bank, termasuk Dewan Komisaris, Direksi, komite- personnel, including the Board of Commissioners, Board of
komite di bawah Komisaris dan Direksi serta seluruh Directors, committees under the Board of Commissioners
Karyawan. Pihak Manajemen Bank Sinarmas dijadikan and Board of Directors, and all Employees. Bank Sinarmas
sebagai panutan (role model) bagi bawahannya dalam hal Management is used as a role model for its subordinates in
kepatuhan pada Kode Etik dan Pedoman Tingkah Laku. terms of compliance with the Code of Ethics and Code of
Selain itu, pihak eksternal yang berhubungan langsung Conduct. In addition, external parties who are directly related
416 dengan Bank Sinarmas, wajib mematuhi Kode Etik dan
Pedoman Tingkah Laku.
to Bank Sinarmas are required to comply with the Code of
Ethics and Code of Conduct.
Ikhtisar Kinerja
2024 Penyebarluasan/Sosialisasi Kode Etik dan Dissemination/Socialization of the Code of
Pedoman Tingkah Laku Ethics and Code of Conduct
Laporan Sosialisasi terkait Kode Etik dan Pedoman Tingkah Laku Socialization related to the Code of Ethics and Code of
Manajemen disampaikan kepada karyawan mulai dari top management Conduct is conveyed to employees starting from top
sampai dengan level operasional. Bank memanfaatkan management to the operational level. The Bank utilizes
Profil berbagai media yang dimiliki, termasuk pemanfaatan melalui various media owned, including utilization through
Perusahaan
media teknologi informasi yang dapat diakses oleh semua information technology media that can be easily accessed
karyawan dengan mudah setiap saat. by all employees at any time.
Analisis dan
Pembahasan
Manajemen Selain itu, Bank juga menyampaikan Surat Keputusan In addition, the Bank also conveys the Board of Directors’
Direksi tentang Kode Etik dan Pedoman Tingkah Laku Decree on the Code of Ethics and Code of Conduct through
Tinjauan melalui situs web Bank, platform e-learning, dan portal Bank the Bank’s website, e-learning platform, and the Bank
Pendukung
Bisnis
Sinarmas. Sementara itu, bagi karyawan baru diwajibkan Sinarmas portal. Meanwhile, new employees are required
untuk membaca, memahami, dan memberikan persetujuan to read, understand, and give their approval to the Code
TATA KELOLA atas Kode Etik dan Pedoman Tingkah Laku pertama kali of Ethics and Guidelines for Conduct when they first join,
PERUSAHAAN bergabung, yaitu saat menjalani induction, sedangkan untuk namely during induction, while existing employees are
karyawan existing wajib melakukan refreshment secara required to carry out periodic refreshments through the
Laporan berkala melalui platform e-learning. e-learning platform.
Keberlanjutan
Jenis Sanksi untuk Setiap Pelanggaran Kode Types of Sanctions for Each Violation of the
Etik dan Pedoman Tingkah Laku Code of Ethics and Guidelines for Conduct
Sanksi bagi pihak yang terbukti melakukan pelanggaran Sanctions for individuals proven to have violated the Code
terkait Kode Etik dan Pedoman Tingkah Laku diberikan of Ethics and Conduct Guidelines are applied progressively,
secara bertahap, mulai dari pemberian Surat Peringatan ranging from the issuance of a Warning Letter to Termination
sampai dengan Pemutusan Hubungan Kerja (PHK) sesuai of Employment (PHK), in accordance with applicable laws
dengan ketentuan dan perundang-undangan yang berlaku. and regulations. Employees who are aware of violations
Karyawan yang mengetahui secara sadar terjadinya related to the Code of Ethics and Conduct Guidelines but
pelanggaran terkait Kode Etik dan Pedoman Tingkah Laku fail to report them may be considered to have condoned
namun tidak melaporkannya, dapat dianggap melakukan the actions and may be subject to sanctions based on the
tindakan pembiaran sehingga dapat dikenakan sanksi relevant internal regulations.
mengacu pada ketentuan internal yang berlaku.
Sementara pihak yang dirugikan, baik langsung maupun Meanwhile, any parties who are directly or indirectly harmed
tidak langsung akibat penyalahgunaan wewenang dan due to the abuse of authority or violations of the Code
pelanggaran Kode Etik dan Pedoman Tingkah Laku oleh of Ethics and Conduct Guidelines by employers and/or
pengusaha dan/atau karyawan, dapat menyampaikannya employees may report the issue through the mechanisms
melalui mekanisme yang telah diatur dalam bagian tersendiri outlined in a separate section of the Code of Ethics and
dalam Kode Etik dan Pedoman Tingkah Laku. Conduct Guidelines.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 419
KEBIJAKAN ANTI KORUPSI
Anti-Corruption Policy
Program dan Prosedur Programs and Procedures
Bank Sinarmas telah mengimplementasikan prinsip-prinsip Bank Sinarmas has implemented anti-corruption principles,
anti korupsi, sebagaimana tertuang dalam pasal-pasal as stated in the articles of the Company Regulations, Code of
Peraturan Perusahaan, Kode Etik dan Pedoman Tingkah Ethics and Guidelines for Conduct, and Employee Discipline
Laku, dan SOP Kedisiplinan Karyawan. Untuk menangani SOP. To handle corrupt practices, kickbacks, fraud, bribery,
praktik korupsi, balas jasa (kickbacks), fraud, suap, dan/atau and/or gratification, the Bank has established a number of
gratifikasi, Bank telah menetapkan sejumlah prosedur yang
diatur dalam Kode Etik dan Pedoman Tingkah Laku Versi 2.0.
procedures regulated in the Code of Ethics and Guidelines
for Conduct Version 2.0.
417
2024
Bank juga telah merumuskan etika bisnis dan perilaku sebagai The Bank has also formulated business ethics and behavior Performance
bagian integral dari komitmen integritas, yang diiringi dengan as an integral part of the integrity commitment, accompanied Highlights
pengembangan sistem manajemen risiko yang disesuaikan by the development of a risk management system that is
dengan menjunjung tinggi prinsip kehati-hatian dan GCG. adjusted to uphold the principles of prudence and GCG. Management
Report
Pelatihan dan Sosialisasi Anti Korupsi Anti-Corruption Training and Socialization
Bank Sinarmas memiliki komitmen kuat dalam menanamkan Bank Sinarmas has a strong commitment to instilling a risk Company
budaya sadar risiko (risk culture) dan kepedulian anti-fraud culture and anti-fraud awareness throughout all levels of Profile
di seluruh lapisan organisasi. Hal ini diwujudkan melalui the organization. This is realized through various efforts,
berbagai upaya, termasuk Sosialisasi Tatap Muka, Pengisian including Face-to-Face Socialization, Completing the Anti-
Management
Deklarasi Anti-Fraud, dan Pakta Integritas melalui aplikasi Fraud Declaration, and the Integrity Pact through the SIDILAN Discussion and
SIDILAN serta Sosialisasi melalui e-mail, media sosial, Lensa application as well as Socialization via e-mail, social media, Analysis
Berita, Kamis Sharing, Podcast, E-Learning Video Scorm, News Lens, Thursday Sharing, Podcast, E-Learning Video
artikel situs web Bank Sinarmas, ATM Idle Screen, AD Scorm, Bank Sinarmas website articles, ATM Idle Screen, AD Business
Desktop, dan metode lainnya. Desktop, and other methods. Support
Overview
Pakta Integritas Integrity Pact
Dalam rangka mengembangkan budaya dan kepedulian In order to develop an anti-fraud culture and concern at CORPORATE
anti-fraud di seluruh jenjang organisasi dan sebagai bentuk all levels of the organization and as a form of anti-fraud GOVERNANCE
pernyataan anti terhadap fraud, maka seluruh Manajemen statement, all Management and employees require a
dan karyawan memerlukan komitmen yang sungguh-sungguh serious commitment from all levels at PT. Bank Sinarmas Sustainability
dari seluruh jajaran yang ada pada PT. Bank Sinarmas Tbk. Referring to Financial Services Authority Regulation Report
Tbk. Merujuk Peraturan Otoritas Jasa Keuangan No. 39/ No. 39/POJK.03/2019 dated December 19, 2019 concerning
POJK.03/2019 tanggal 19 Desember 2019 tentang Penerapan the Implementation of Anti-Fraud Strategy for Commercial
Strategi Anti-Fraud bagi Bank Umum, disebutkan bahwa Banks, it is stated that the implementation of the Anti-Fraud
penerapan Strategi Anti-Fraud dilakukan antara lain dengan Strategy is carried out, among others, by raising awareness
cara menumbuhkan kesadaran atas risiko serta kepedulian of the risks and concern for the Anti-Fraud Culture at all
dari Budaya Anti-Fraud pada seluruh Jajaran Organisasi Bank, levels of the Bank Organization, including by signing the
di antaranya dengan penandatanganan Pakta Integritas. Integrity Pact.
Di saat diperlukannya sebuah komitmen bersama dengan When a joint commitment is needed by showing good faith,
menunjukkan iktikad, baik untuk menumbuhkan Budaya both to foster a Risk Awareness Culture and Anti-Fraud
Sadar Risiko (Risk Culture) dan kepedulian Anti-Fraud, maka concern, it is necessary to carry out the signing of the Anti-
perlu kiranya melaksanakan penandatanganan Deklarasi Fraud Declaration and Integrity Pact. The signing of the
Anti-Fraud dan Pakta Integritas. Penandatanganan Pakta Integrity Pact is carried out by the Board of Commissioners
Integritas dilakukan oleh Dewan Komisaris dan Dewan and the Board of Directors, which is then followed by
Direksi yang kemudian diikuti atestasi oleh seluruh karyawan. attestation by all employees. The signing of the Integrity Pact
Penandatanganan Pakta Integritas dilakukan secara berkala is carried out periodically 2 times in 1 year.
sebanyak 2 kali dalam 1 Tahun.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 420
Kebijakan Anti Penyuapan Anti-Bribery Policy
Dalam rangka meningkatkan kesadaran seluruh karyawan To raise awareness among all employees about the
untuk turut serta berupaya mencegah dan menghindari suap, importance of preventing and avoiding bribery, Bank
Bank Sinarmas telah memiliki kebijakan dan/atau standard Sinarmas has implemented policies and/or standard
operating procedure (SOP) terkait Sistem Manajemen Anti operating procedures (SOPs) related to its Anti-Bribery
Penyuapan. Adapun Program Anti Penyuapan yang tertuang Management System. The Anti-Bribery Program outlined in
dalam Kebijakan/SOP tersebut diuraikan sebagai berikut. these Policies/SOPs is described as follows:
1. Berkomitmen untuk selalu menjalankan GCG dalam 1. Committed to always implementing GCG in running and
menjalankan dan mengawasi bisnis perusahaan. supervising the company’s business.
2. Mematuhi peraturan perundang-undangan dan 2. Comply with laws and regulations and other regulations
peraturan lain terkait anti penyuapan. related to anti-bribery.
3. Menyelaraskan ketentuan Anti Penyuapan dengan visi 3. Aligning Anti-Bribery provisions with Bank Sinarmas’
misi dan nilai-nilai Bank Sinarmas. vision, mission and values.
4. Melarang praktik penyuapan di lingkungan Bank 4. Prohibiting bribery practices in the Bank’s environment
berhubungan dengan pekerjaan, untuk menjaga reputasi related to work, to maintain the bank’s reputation and
418 bank dan objektivitas pengambilan keputusan:
a. Tidak menoleransi (zero tolerance) segala bentuk
objectivity in decision-making:
a. Zero tolerance for any form of corruption and bribery
Ikhtisar Kinerja
korupsi dan penyuapan (kepada atau dari; nasabah, (to or from; customers, relations, partners, regulators,
2024 relasi, rekanan, regulator, pejabat pemerintah, government officials, employees). Violations of this
Karyawan). Tindak pelanggaran atas hal tersebut will be processed civilly or criminally in accordance
Laporan akan diproses secara perdata atau pidana sesuai with applicable provisions;
Manajemen dengan ketentuan yang berlaku;
b. Melarang karyawan untuk menawarkan atau b. Prohibiting employees from offering or providing
Profil menyediakan pembayaran atau manfaat dalam bentuk payments or benefits in any form that are not official
Perusahaan
apa pun yang tidak resmi atau tidak lazim kepada or unusual to other parties who are authorized to
pihak lain yang berwenang dalam pengambilan make decisions regarding Bank Sinarmas affairs;
Analisis dan
Pembahasan keputusan terhadap urusan Bank Sinarmas;
Manajemen c. Melarang penawaran imbalan kepada nasabah, c. Prohibiting offers of rewards to customers,
Karyawan atau calon nasabah agar mereka berbisnis employees or prospective customers so that they do
Tinjauan dengan Bank Sinarmas; dan business with Bank Sinarmas; and
Pendukung
Bisnis
d. Melaporkan kepada atasan, pendekatan apa pun d. Report to superior any approach made by a person
yang dilakukan oleh seseorang atau perusahaan or company that is suspected of seeking or offering
TATA KELOLA yang diduga bermaksud meminta atau menawarkan personal rewards or other special favors.
PERUSAHAAN imbalan secara pribadi atau suatu kemudahan
khusus lainnya.
Laporan
Keberlanjutan Pelaksanaan Sistem Manajemen Anti Implementation of the Anti-Bribery Management
Penyuapan System
Upaya pencegahan praktik suap yang dilakukan Bank To prevent bribery practices, Bank Sinarmas undertakes the
Sinarmas, yakni: following measures:
1. Bank Sinarmas secara berkelanjutan dan berkala 1. Bank Sinarmas continuously and periodically runs an
menjalankan Program Awareness untuk peningkatan Awareness Program to increase understanding of anti-
pemahaman terhadap anti suap dan anti-penyuapan, bribery and anti-bribery, including through seminars,
antara lain melalui seminar, pelatihan, sosialisasi, sharing training, socialization, sharing sessions and so on;
session dan sebagainya;
2. Know Your Customers (KYC), yaitu uji tuntas terhadap 2. Know Your Customers (KYC), which is due diligence on
(calon) nasabah dan mitra usaha. (potential) customers and business partners.
Dalam melakukan uji tuntas terhadap (calon) nasabah In conducting due diligence on (potential) customers and
dan mitra usaha, Bank mempertimbangkan aspek- business partners, the Bank considers aspects of risk
aspek risiko yang bisa jadi muncul dalam membangun that may arise in building relationships with (potential)
hubungan dengan (calon) nasabah dan mitra usaha. Uji customers and business partners. Due diligence must
tuntas harus memastikan bahwa (calon) nasabah dan ensure that (potential) customers and business partners
mitra usaha yang melaksanakan hubungan dengan who carry out relationships with the company are not in
perusahaan tidak sedang dalam perkara hukum, terlibat legal cases, involved in bribery, fraud, money laundering
penyuapan, kecurangan, pencucian uang dan/atau and/or indicated to have a conflict of interest.
terindikasi memiliki benturan kepentingan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 421
3. Know Your Employee (KYE), yaitu uji tuntas terhadap 3. Know Your Employee (KYE), which is due diligence on
calon karyawan maupun kepada karyawan. prospective employees and employees.
Salah satu tujuan uji tuntas kepada karyawan dan calon One of the objectives of due diligence on employees and
karyawan adalah untuk mengurangi munculnya risiko prospective employees is to reduce the risk of conflict of
benturan kepentingan dalam aktivitas perusahaan. Hal ini interest in company activities. This is important for the
penting bagi perusahaan agar integritas karyawan tetap company so that employee integrity is maintained and at
terjaga dan di saat yang sama melindungi kepentingan the same time protects the interests of the company.
perusahaan.
Sosialisasi dan Kampanye Anti Penyuapan Anti-Bribery Socialization and Campaign
Bank senantiasa melakukan sosialisasi dan Kampanye The Bank always conducts socialization and Anti-Bribery
Anti Penyuapan kepada seluruh karyawan sebagai upaya Campaign to all employees as an effort to prevent bribery or
mencegah adanya tidak penyuapan maupun gratifikasi di gratification in the Bank’s environment.
lingkungan Bank.
Pada tahun 2024, Kampanye Anti Penyuapan telah
dilaksanakan sebanyak 12 kali, yang diuraikan sebagai
In 2024, the Anti-Bribery Campaign has been implemented
12 times, which are described as follows.
419
berikut.
2024
Performance
Kampanye Anti Penyuapan Tanggal Blast Kampanye Anti Penyuapan Highlights
No.
Anti Bribery Campaign Anti-Bribery Campaign Blasting Date
Pahami Kebijakan Pemberian/Penerimaan Hadiah 1 Februari 2024 Management
1.
Understand the Policy on Giving/Receiving Gifts February 1, 2024 Report
Tata Tertib Berpolitik di Lingkungan Perusahaan 6 Februari 2024
2.
Political Rules in the Company Environment February 6, 2024
Company
Jauhi Gratifikasi dalam Menyambut Hari Raya Idulfitri 1445 H 1 April 2024
3. Profile
Avoid Gratification in Welcoming Eid al-Fitr 1445 H April 1, 2024
Perbedaan Gratifikasi dengan Hadiah 29 April 2024
4.
The Difference Between Gratification and Gifts April 29, 2024 Management
Praktik Penerapan Gratifikasi 30 Mei 2024 Discussion and
5. Analysis
Practice of Implementing Gratification May 30, 2024
Tolak Gratifikasi dengan PROVE IT 19 Juni 2024
6.
Reject Gratification with PROVE IT June 19, 2024
Business
Memberi Pelayanan Sepenuh Hati 7 Agustus 2024 Support
7.
Providing Service Wholeheartedly August 7, 2024 Overview
Hati-hati! Gratifikasi Akar dari Korupsi 27 Agustus 2024
8.
Be Careful! Gratification is the Root of Corruption August 27, 2024
CORPORATE
Hindari "5 LOVE LANGUAGES" yang Berujung Gratifikasi 17 September 2024 GOVERNANCE
9.
Avoid the “5 LOVE LANGUAGES” that Lead to Gratification September 17, 2024
Perbedaan Gratifikasi, Pemerasan, dan Suap 15 Oktober 2024
10. Sustainability
The Difference Between Gratification, Extortion, and Bribery October 15, 2024
Report
Jangan Takut Laporkan Gratifikasi! 19 November 2024
11
Don’t Be Afraid to Report Gratification! November 19, 2024
Sambut Natal & Tahun Baru Tanpa Gratifikasi 20 Desember 2024
12
Welcome Christmas & New Year Without Gratification December 20, 2024
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 422
PENCEGAHAN TRANSAKSI
ORANG DALAM (INSIDER TRADING)
Prevention of Insider Trading
Kebijakan terkait insider trading Bank Sinarmas telah Bank Sinarmas’s insider trading policy is stated in the Code of
tercantum dalam Kode Etik dan Tingkah Laku. Ketentuan Ethics and Conduct. These provisions regulate the following
tersebut mengatur hal-hal berikut. matters.
1. Karyawan tidak boleh melakukan transaksi surat 1. Employees may not conduct securities/stocks/forex
berharga/saham/forex apabila ia memiliki informasi dari transactions if they have information from individuals
individu yang memiliki akses ke informasi non-publik who have access to non-public information about them.
420 tentang hal tersebut. Istilah trading tidak hanya dalam
hal pembelian, penjualan dan/untuk rekening sendiri,
The term trading is not only in terms of buying, selling
and/or for their own accounts, but also for family, friends,
Ikhtisar Kinerja
tapi juga untuk keluarga, teman, dan relasi. and relations.
2024 2. Pengungkapan atas kepemilikan investasi saham 2. Disclosure of Employee stock investment ownership
Karyawan di perusahaan yang memiliki kaitan dengan in companies related to Bank Sinarmas or Sinar Mas’s
Laporan Bank Sinarmas maupun pilar usaha Sinar Mas dilakukan business pillars is carried out through the e-learning
Manajemen melalui platform e-learning. platform.
3. Setiap karyawan harus tunduk pada seluruh hukum, 3. Every employee must comply with all laws, provisions
Profil ketentuan dan peraturan yang terkait dengan and regulations related to the trading of securities/
Perusahaan
perdagangan surat berharga/saham/forex Perusahaan stocks/forex of the Company and securities/stocks of
dan surat berharga/saham perusahaan lain yang other companies that may be affected by the Company’s
Analisis dan
Pembahasan dapat terpengaruh oleh kegiatan bisnis Perusahaan. business activities. Employees may not use their position
Manajemen Karyawan tidak boleh menggunakan posisinya sebagai as employees to obtain privileged behavior in buying or
karyawan untuk memperoleh perilaku istimewa dalam selling securities/stocks/forex for personal, family, friends
Tinjauan membeli atau menjual surat berharga/saham/forex untuk and relations interests.
Pendukung
Bisnis
kepentingan pribadi, keluarga, teman dan juga relasi.
TATA KELOLA
PERUSAHAAN
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 423
PRAKTIK BAD CORPORATE
GOVERNANCE
Bad Corporate Governance Practices
Bank Sinarmas mengungkapkan transparansi praktik bad Bank Sinarmas discloses transparency regarding bad
corporate governance sebagai wujud komitmen dalam corporate governance practices as a form of its commitment
menjalankan aktivitas bisnis secara bertanggung jawab, to conducting business activities responsibly, in accordance
sesuai dengan peraturan perundang-undangan yang with prevailing laws and regulations. The following outlines
berlaku. Berikut uraian praktik tersebut. such practices.
Praktik Bad Corporate Governance
Bad Corporate Governance
Keterangan 421
Description
Practices Description
2024
Adanya laporan sebagai Bank yang Sebagai perusahaan yang bergerak dalam bidang perbankan, Bank Sinarmas tidak memiliki kegiatan yang Performance
mencemari lingkungan mencemari lingkungan. Meskipun demikian, Bank memiliki program Green Office yang telah diterapkan di Highlights
Reports as a Bank that pollutes the kantor cabang sebagai bukti komitmen kepedulian terhadap lingkungan.
environment As a company engaged in banking, Bank Sinarmas does not have activities that pollute the environment.
However, the Bank has a Green Office program that has been implemented in branch offices as proof of its
Management
commitment to environmental concern.
Report
Perkara penting yang sedang Sepanjang tahun 2024, tidak terdapat permasalahan hukum, baik yang dihadapi Bank, anggota Dewan
dihadapi oleh Bank, anggota Dewan Komisaris dan/atau Direksi dan/atau yang sedang menjabat.
Komisaris, dan/atau Direksi yang Throughout 2024, there were no legal issues, either faced by the Bank, members of the Board of Company
sedang menjabat tidak diungkapkan Commissioners and/or Directors and/or incumbent Directors. Profile
dalam Laporan Tahunan
Important matters currently being
faced by the Bank, members of the Management
Board of Commissioners, and/or Discussion and
incumbent Directors are not disclosed Analysis
in the Annual Report
Ketidakpatuhan dalam pemenuhan Bank Sinarmas telah memenuhi kewajiban perpajakan.
kewajiban perpajakan Bank Sinarmas has fulfilled its tax obligations. Business
Non-compliance in fulfilling tax Support
obligations Overview
Ketidaksesuaian penyajian Laporan Penyusunan Laporan Tahunan dan Keberlanjutan serta Laporan Keuangan telah disesuaikan dengan
Tahunan dan Laporan Keuangan peraturan dan perundang-undangan yang berlaku. Laporan Tahunan dan Keberlanjutan Bank Sinarmas CORPORATE
dengan peraturan yang berlaku dan menginformasikan mengenai Laporan Manajemen Bank mencakup pelaksanaan tugas, tantangan, dan GOVERNANCE
Standar Akuntansi Keuangan capaian sepanjang tahun 2024 dan telah disusun dengan mengacu pada Peraturan Otoritas Jasa Keuangan
Non-conformity of presentation of No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Perusahaan Publik. Sementara itu, Laporan
Annual Report and Financial Report Keuangan Tahunan Bank Sinarmas juga memberikan informasi pencatatan dari segala transaksi yang
with applicable regulations and berkaitan dengan dana pihak ketiga, kredit, pembelian dan penjualan secara detail dan perhitungan yang
Sustainability
Financial Accounting Standards akurat selama 1 tahun dan merupakan hasil pertanggungjawaban manajemen atas penggunaan sumber daya Report
yang dipercayakan kepada mereka. Oleh karena itu, penyusunan Laporan Keuangan dibuat sesuai dengan
Standar Akuntansi Keuangan yang berlaku. Laporan Keuangan Tahunan yang berakhir pada 31 Desember
2024 juga telah diperiksa dan disahkan oleh KAP yang ditunjuk oleh Bank, yaitu KAP Mirawati Sensi Idris.
The preparation of the Annual and Sustainability Reports and Financial Reports has been adjusted to the
applicable laws and regulations. The Annual and Sustainability Report of Bank Sinarmas provides information
on the Bank’s Management Report covering the implementation of tasks, challenges, and achievements
throughout 2024 and has been prepared with reference to the Financial Services Authority Regulation No.
29/POJK.04/2016 concerning the Annual Report of Issuers or Public Companies. Meanwhile, the Annual
Financial Report of Bank Sinarmas also provides information on the recording of all transactions related to
third party funds, credit, purchases and sales in detail and accurate calculations for 1 year and is the result
of management’s accountability for the use of resources entrusted to them. Therefore, the preparation of
the Financial Report is made in accordance with applicable Financial Accounting Standards. The Annual
Financial Report ending on December 31, 2024 has also been audited and approved by the KAP appointed
by the Bank, namely KAP Mirawati Sensi Idris.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 424
Praktik Bad Corporate Governance
Keterangan
Bad Corporate Governance
Description
Practices Description
Kasus terkait buruh dan karyawan Sepanjang tahun 2024, tidak terdapat kasus terkait buruh dan karyawan di lingkungan Bank Sinarmas.
Cases related to laborers and Throughout 2024, there were no cases related to laborers and employees within Bank Sinarmas.
employees
Tidak terdapat pengungkapan Pengungkapan segmen operasi diungkapkan dalam bab Pembahasan dan Analisis Manajemen dalam
segmen operasi Laporan Tahunan dan Keberlanjutan ini.
There is no disclosure of operating Operational segment disclosure is disclosed in the Management Discussion and Analysis chapter in this
segments Annual and Sustainability Report.
Terdapat ketidaksesuaian antara Bank Sinarmas senantiasa melakukan pengecekan sebelum mengunggah Laporan Tahunan dan
Laporan Tahunan hardcopy dengan Keberlanjutan serta memastikan kesesuaian data antara Laporan Tahunan dan Keberlanjutan hardcopy
Laporan Tahunan softcopy dengan softcopy.
There is a discrepancy between the Bank Sinarmas always checks before uploading the Annual and Sustainability Report and ensures the
hardcopy Annual Report and the conformity of data between the hardcopy and softcopy Annual and Sustainability Report.
softcopy Annual Report
Ketepatan waktu publikasi laporan keuangan & Laporan tahunan
Timeliness of publication of financial statements & Annual report
422 Tanggal penerbitan Laporan 26 Maret 2025
Keuangan Tahunan March 26, 2025
Ikhtisar Kinerja Date of issuance of Annual Financial Perusahaan menerbitkan Laporan Keuangan Tahunan tepat waktu seperti ditetapkan oleh regulasi.
2024 Report The Company publishes the Annual Financial Report on time as stipulated by the regulation.
Tanggal penerbitan Laporan Tahunan Perusahaan menerbitkan Laporan Tahunan selalu tepat waktu seperti ditetapkan oleh regulasi.
Laporan Date of issuance of Annual Report The Company publishes the Annual Report always on time as stipulated by the regulation.
Manajemen
Opini auditor independen atas Wajar Tanpa Modifikasian
laporan keuangan perusahaan Reasonable Without Modification
Profil
Independent auditor’s opinion on the
Perusahaan company’s financial statements
Analisis dan Apakah terjadi perdagangan orang Tidak
dalam yang melibatkan direksi/
Pembahasan Perusahaan, termasuk Dewan Komisaris/Direksi, Manajemen maupun karyawan tidak pernah terlibat kasus
komisaris, manajemen dan karyawan
Manajemen perdagangan orang dalam (insider trading) dalam 3 (tiga) tahun terakhir.
dalam tiga tahun terakhir?
Has there been any insider trading
involving directors/commissioners, No
Tinjauan
Pendukung management and employees in the
last three years? The Company, including the Board of Commissioners/Directors, Management and employees have never
Bisnis been involved in insider trading cases in the last 3 (three) years.
Apakah ada kasus ketidakpatuhan Tidak
TATA KELOLA terhadap hukum, aturan dan peraturan
PERUSAHAAN yang berkaitan dengan transaksi Perusahaan selalu mematuhi ketentuan peraturan perundang- undangan dalam transaksi dengan pihak
pihak berelasi yang signifikan atau berelasi.
Laporan material dalam tiga tahun terakhir?
Have there been any cases of non- No
Keberlanjutan
compliance with laws, rules and
regulations relating to significant or The Company always complies with the provisions of laws and regulations in transactions with related parties.
material related party transactions in
the last three years?
Apakah telah terjadi pelanggaran Tidak
hukum apa pun yang berkaitan
dengan masalah perburuhan/ Perusahaan belum pernah melakukan pelanggaran hukum yang berkaitan dengan perburuhan/
ketenagakerjaan/konsumen/ ketenagakerjaan/konsumen/ kepailitan/komersial/persaingan atau lingkungan
kepailitan/ komersial/ persaingan atau
lingkungan No
Has there been any violation of the
law relating to labor/employment/ The Company has never committed any violation of the law relating to labor/employment/consumer/
consumer/bankruptcy/commercial/ bankruptcy/commercial/competition or environmental issues
competition or environmental issues?
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 425
Praktik Bad Corporate Governance
Keterangan
Bad Corporate Governance
Description
Practices Description
Apakah perusahaan menghadapi Tidak
sanksi dari regulator karena tidak
membuat pengumuman dalam Perusahaan selalu menyampaikan informasi material kepada regulator.
jangka waktu yang ditentukan untuk
peristiwa penting (material event)? No
Does the company face sanctions
from regulators for not making The company always provides material information to regulators
announcements within the specified
timeframe for material events?
Apakah perusahaan memperoleh Tidak
putusan bersalah dari pengadilan
pajak tertinggi terkait masalah Perusahaan tidak pernah mengalami sengketa atau permasalahan pajak apa pun dalam 3 (tiga) tahun terakhir.
perpajakan apa pun selama tiga tahun
terakhir No
Has the company received a guilty
verdict from the highest tax court The company has never experienced any tax disputes or problems in the last 3 (three) years.
regarding any tax issues in the last
three years? 423
2024
Performance
Highlights
Management
Report
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 426
MANAJEMEN RISIKO
Risk Management
Manajemen risiko adalah serangkaian metodologi dan Risk management is a set of methodologies and procedures
prosedur yang digunakan untuk mengidentifikasi, mengukur, for identifying, measuring, monitoring, and controlling the
memantau, dan mengendalikan risiko yang timbul dari seluruh risks associated with all bank business activities. Bank
kegiatan usaha Bank. Bank Sinarmas menerapkan kerangka Sinarmas uses a risk management framework that includes
manajemen risiko yang mencakup strategi, organisasi, strategies, organizations, policies, and procedures, as well
kebijakan dan prosedur, serta metodologi manajemen risiko as risk management methodologies, to ensure that all risks
424 dengan tujuan memastikan seluruh risiko yang dihadapi
Bank dapat diidentifikasi, diukur, dipantau, dikendalikan
faced by the Bank are identified, measured, monitored,
controlled, and communicated appropriately. To effectively
Ikhtisar Kinerja
dan disampaikan secara tepat. Agar Penerapan Manajemen implement Risk Management, the Bank continuously
2024 Risiko berjalan dengan baik dan efektif maka Bank selalu enhances a culture of risk awareness, including through
secara berkesinambungan meningkatkan budaya kesadaran email campaigns, banners, socialization, training programs,
Laporan risiko (risk awareness), antara lain melalui campaign yang and certification.
Manajemen disampaikan melalui e-mail, banner, sosialisasi, program
pelatihan dan sertifikasi.
Profil
Perusahaan
Kebijakan Penerapan Manajemen Risiko Risk Management Implementation Policy
Bank Sinarmas, sebagai pelaku usaha jasa keuangan yang Bank Sinarmas, as a financial service provider operating in
Analisis dan
Pembahasan bergerak di bidang perbankan, berkewajiban menerapkan the banking sector, is required to continuously implement
Manajemen manajemen risiko secara berkelanjutan. Hal ini bertujuan risk management procedures. It aims to enable the Bank to
agar Bank dapat tetap beroperasi dengan kondisi finansial maintain a strong financial position and conduct business
Tinjauan yang sehat dan menjalankan bisnis dengan risiko yang with controlled risks in accordance with the established
Pendukung
Bisnis
terkendali, sesuai dengan kerangka risk appetite dan risk framework of risk appetite and risk tolerance. Additionally,
tolerance yang telah ditetapkan. Selain itu, upaya ini juga these efforts are aimed at increasing value for shareholders.
TATA KELOLA diarahkan untuk meningkatkan nilai bagi para Pemegang
PERUSAHAAN Saham.
Laporan Penerapan manajemen risiko di Bank mengacu pada: The implementation of risk management in the Bank refers to:
Keberlanjutan 1. Undang-Undang No. 7 Tahun 1992 tentang Perbankan 1. Law No. 7 of 1992 on Banking, as amended by Law No.
sebagaimana telah diubah dengan Undang-Undang No. 10 of 1998;
10 Tahun 1998;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 2. Financial Services Authority Regulation No. 18/
tanggal 16 Maret 2016 tentang Penerapan Manajemen POJK.03/2016 dated March 16, 2016, on the Implementation
Risiko bagi Bank Umum; of Risk Management for Commercial Banks;
3. Surat Edaran Otoritas Jasa Keuangan No. 34/ 3. Financial Services Authority Circular Letter No. 34/
SEOJK.03/2016 tanggal 01 September 2016 tentang SEOJK.03/2016, dated September 1, 2016, on the
Penerapan Manajemen Risiko bagi Bank Umum (beserta Implementation of Risk Management for Commercial
lampiran); Banks (along with attachments);
4. Peraturan Otoritas Jasa Keuangan No. 65/POJK.03/2016 4. Financial Services Authority Regulation No. 65/
tanggal 23 Desember 2016 tentang Penerapan POJK.03/2016, dated December 23, 2016, on the
Manajemen Risiko bagi Bank Umum Syariah dan Unit Implementation of Risk Management for Sharia
Usaha Syariah; Commercial Banks and Sharia Business Units;
5. Peraturan Otoritas Jasa Keuangan antara lain No.4/ 5. Financial Services Authority Regulation No. 4/
POJK.03/2016 tanggal 26 Januari 2016 tentang Penilaian POJK.03/2016 dated January 26, 2016, on the Assessment
Tingkat Kesehatan Bank Umum; of the Soundness Level of Commercial Banks;
6. Surat Edaran Otoritas Jasa Keuangan No. 14/ 6. Financial Services Authority Circular Letter No. 14/
SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penilaian SEOJK.03/2017, dated March 17, 2017, on the Rating of
Tingkat Kesehatan Bank Umum (beserta lampiran); Soundness Level for Commercial Banks (along with
attachments);
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 427
7. Peraturan Otoritas Jasa Keuangan No. 8/POJK.03/2014 7. Financial Services Authority Regulation No. 8/
tanggal 11 Juni 2014 tentang Penilaian Tingkat Kesehatan POJK.03/2014, dated June 11, 2014, on the Assessment
Bank Umum Syariah dan Unit Usaha Syariah; of Soundness Levels of Sharia Commercial Banks and
Sharia Business Units;
8. Surat Edaran Otoritas Jasa Keuangan No. 10/ 8. Financial Services Authority Circular Letter No. 10/
SEOJK.03/2014 tanggal 11 Juni 2014 tentang Penilaian SEOJK.03/2014, dated June 11, 2014, on the Assessment
Tingkat Kesehatan Bank Umum Syariah dan Unit Usaha of Soundness Levels of Sharia Commercial Banks &
Syariah (beserta lampiran); Sharia Business Units (along with attachments);
9. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 9. Financial Services Authority Regulation No. 17/
tertanggal 18 November 2014 tentang Penerapan POJK.03/2014 dated November 18, 2014, on the
Manajemen Risiko Terintegrasi bagi Konglomerasi Implementation of Integrated Risk Management for
Keuangan; Financial Conglomeration;
10. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 10. Financial Services Authority Regulation No. 17 of 2023
tertanggal 14 September 2023 tentang Penerapan Tata dated September 14, 2023, on the Implementation of
Kelola bagi Bank Umum; Governance for Commercial Banks;
11. Surat Edaran Otoritas Jasa Keuangan No. 14/
SEOJK.03/2015 tertanggal 25 Mei 2015 tentang
11. Financial Services Authority Circular Letter No.
14/SEOJK.03/2015 dated May 25, 2015, on the
425
Penerapan Manajemen Risiko Terintegrasi; Implementation of Integrated Risk Management;
2024
12. Surat Edaran Otoritas Jasa Keuangan No. 29/ 12. Financial Services Authority Circular Letter No. 29/ Performance
SEOJK.03/2022 tentang Ketahanan dan Keamanan SEOJK.03/2022 on Cyber Resilience and Security for Highlights
Siber Bagi Bank Umum; Commercial Banks;
13. Peraturan Otoritas Jasa Keuangan No. 44/POJK.05/2020 13. Financial Services Authority Regulation No. 44/ Management
tentang Penerapan Manajemen Risiko Bagi Lembaga POJK.05/2020 on the Implementation of Risk Report
Jasa Keuangan Non-Bank; Management for Non-Bank Financial Institutions;
14. Surat Edaran Otoritas Jasa Keuangan No. 8/ 14. Financial Services Authority Circular No. 8/SEOJK.05/2021 Company
SEOJK.05/2021 Penerapan Manajemen Risiko Bagi on the Implementation of Risk Management for Insurance Profile
Perusahaan Asuransi, Asuransi Syariah, Reasuransi, dan Companies, Sharia Insurance, Reinsurance, and Sharia
Reasuransi Syariah; Reinsurance;
Management
15. Peraturan Otoritas Jasa Keuangan No. 6/POJK.04/2021 15. Financial Services Authority Regulation No. 6/ Discussion and
tentang Penerapan Manajemen Risiko Bagi Perusahaan POJK.04/2021 on the Implementation of Risk Management Analysis
Efek yang Melakukan Kegiatan Usaha Sebagai for Securities Companies Engaged in Business Activities
Penjamin Emisi Efek dan Perantara Pedagang Efek yang as Underwriters and Securities Broker that are Exchange Business
Merupakan Anggota Bursa Efek; Members; Support
16. Surat Edaran Otoritas Jasa Keuangan No. 23/ 16. Financial Services Authority Circular Letter No. 23/ Overview
SEOJK.04/2021 tentang Bentuk, Susunan dan Tata SEOJK.04/2021 on the Form, Composition, and
Cara Penyampaian Laporan Penilaian Sendiri (Self- Procedures for Submission of Self-Assessment CORPORATE
Assessment) Penerapan Manajemen Risiko Perusahaan Reports on the Implementation of Risk Management by GOVERNANCE
Efek yang Melakukan Kegiatan sebagai Penjamin Emisi Securities Companies Engaged in Business Activities as
Efek dan Perantara Pedagang Efek yang Merupakan Underwriters and Securities Brokers that are Exchange Sustainability
Anggota Bursa Efek; Members; Report
17. Peraturan Otoritas Jasa Keuangan No. 4/POJK.05/2021 17. Financial Services Authority Regulation No. 4/
Penerapan Manajemen Risiko dalam Penggunaan POJK.05/2021 on the Implementation of Risk
Teknologi Informasi oleh Lembaga Jasa Keuangan Non- Management in the Use of Information Technology by
Bank; Non-Bank Financial Institutions;
18. Peraturan Otoritas Jasa Keuangan No. 30 Tahun 2024 18. Financial Services Authority Regulation No. 30 of 2024
tentang Konglomerasi Keuangan dan Perusahaan Induk on Financial Conglomerates and Financial Conglomerate
Konglomerasi Keuangan; Holding Companies;
19. Surat Keputusan (SK) No. 095/2023/DIR1-RMG tanggal 19. Decree (SK) No. 095/2023/DIR1-RMG dated December
28 Desember 2023 tentang Pedoman dan Tata Tertib 28, 2023, on the Charter and Code of Conduct of the
Kerja Komite Manajemen Risiko PT. Bank Sinarmas Tbk.; Risk Management Committee of PT. Bank Sinarmas Tbk.;
dan and
20. Surat Keputusan (SK) No. 023/2023/DIRUT-EU tanggal 28 20. Decree (SK) No. 023/2023/DIRUT-EU dated December
Desember 2023 tentang Pedoman dan Tata Tertib Kerja 28, 2023, on the Charter and Code of Conduct of the
Komite Manajemen Risiko Terintegrasi Konglomerasi Integrated Risk Management Committee of Sinar Mas
Keuangan Sinar Mas. Financial Conglomeration.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 428
Bank memiliki kebijakan internal berupa Pedoman The Bank has an internal policy in the form of PT Sinarmas
Penerapan Manajemen Risiko PT Sinarmas Bank Tbk, Bank Tbk’s Risk Management Implementation Guidelines,
bertujuan untuk memastikan risiko-risiko yang dihadapi which is designed to ensure that the risks faced by the
Bank maupun Lembaga Jasa Keuangan dapat diidentifikasi, Bank and Financial Institutions are effectively identified,
diukur, dikendalikan, dan dilaporkan dengan baik. measured, controlled, and reported. It is an essential part of
Kebijakan ini telah diunggah pada situs web Bank Sinarmas. efforts to respond to the rapid development of external and
Kebijakan tersebut merupakan bagian penting dari upaya internal banking dynamics, with the objective of identifying,
merespons dinamika eksternal dan internal perbankan measuring, monitoring, and controlling risks arising from
yang berkembang pesat untuk mengidentifikasi, mengukur, all Bank activities, managing capital comprehensively,
memonitor serta mengontrol risiko-risiko yang muncul dari maintaining capital at a high level, ensuring profitability and
setiap aktivitas Bank, mengelola modal secara komprehensif long-term business growth, and maximizing shareholder
dan menjaga agar permodalan tetap berada pada tingkat value-added.
yang kuat, memastikan profitabilitas dan pertumbuhan bisnis
yang berkelanjutan serta memaksimalkan nilai tambah bagi
Pemegang Saham.
426 Bank Sinarmas senantiasa patuh terhadap regulasi yang Bank Sinarmas consistently complies with regulations
Ikhtisar Kinerja
telah ditetapkan oleh regulator dan mengacu kepada established by regulators and adheres to international best
2024 international best practices untuk menerapkan manajemen practices in implementing risk management. The Bank
risiko, dan melakukan pelaporan terkait dengan produk dan/ also ensures timely and accurate reporting to regulators
Laporan atau aktivitas Bank kepada regulator dengan baik dan tepat regarding its products and/or activities.
Manajemen waktu.
Profil Prinsip-prinsip Penerapan Manajemen Risiko Principles of Risk Management Implementation
Perusahaan
Penerapan Manajemen Risiko Bank secara prinsip mengacu The implementation of the Bank’s Risk Management in
pada pilar-pilar dan ketentuan yang tercantum dalam principle refers to the pillars and provisions contained in
Analisis dan
Pembahasan peraturan otoritas serta peningkatan kualitas penerapan regulatory authorities as well as the improvement of the
Manajemen manajemen risiko sejalan dengan perkembangan penerapan quality of risk management implementation in line with
kerangka Basel yang disesuaikan dengan tujuan, kebijakan developments in the application of the Basel framework,
Tinjauan usaha, ukuran dan kompleksitas usaha, serta kemampuan which is adjusted to objectives, business policies, business
Pendukung
Bisnis
Bank dan best practices. size and complexity, as well as Bank capabilities and best
practices.
TATA KELOLA
PERUSAHAAN Penerapan manajemen risiko dilakukan secara Risk management is implemented on an ongoing basis to
berkesinambungan untuk mencapai pertumbuhan bisnis ensure soundness and long-term business growth and
Laporan maupun aktivitas operasional yang sehat dan berkelanjutan operational activities, as well as to maintain optimal returns in
Keberlanjutan serta menjaga agar dapat menghasilkan return yang optimal accordance with the established risk appetite and tolerance.
sesuai dengan risk appetite dan risk tolerance yang telah
ditetapkan.
Dalam menjalankan bisnis, Bank selalu dihadapi risiko yang The Bank is always confronted with inherent risks in its
melekat (inheren) di seluruh kegiatan bisnis dan operasional. business and operational activities. Overall, risk management
Pengelolaan risiko secara keseluruhan dilakukan untuk is carried out for 12 (twelve) types of risks, which are divided
12 (dua belas) jenis risiko yang terdiri dari 8 (delapan) jenis into 8 (eight) categories: credit risk, market risk, liquidity risk,
risiko yang diukur sesuai dengan kompleksitas bisnis operational risk, compliance risk, legal risk, reputation risk,
Bank, yaitu Risiko Kredit, Risiko Pasar, Risiko Likuiditas, and strategic risk. Furthermore, Bank Nano Syariah assesses
Risiko Operasional, Risiko Kepatuhan, Risiko Hukum, Risiko two types of additional risk: investment risk and return risk,
Reputasi, dan Risiko Stratejik. Selain itu, terdapat 2 (dua) as well as two types of additional risk: intra-group transaction
jenis risiko tambahan yang dinilai pada anak perusahaan risk and insurance risk, where the Bank is designated as
yaitu Bank Nano Syariah, diantaranya Risiko Investasi dan the Lead Entity of Sinar Mas Financial Conglomeration. All
Risiko Imbal Hasil serta 2 (dua) jenis risiko tambahan, yaitu risks are managed by prioritizing caution and regulatory
Risiko Transaksi Intra grup dan Risiko Asuransi di mana compliance.
Bank ditunjuk sebagai Entitas Utama dari Konglomerasi
Keuangan Sinar Mas. Pengelolaan terhadap seluruh risiko
yang dihadapi dilaksanakan dengan mengutamakan prinsip
kehati-hatian dan kesesuaian dengan ketentuan regulator.
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PT. Bank Sinarmas Tbk. 2024
Page 429
Prinsip Three Lines Models Three Lines Models Principles
Bank Sinarmas menerapkan manajemen risiko dengan Bank Sinarmas implements risk management with a
pendekatan yang komprehensif dan tepat melalui penerapan comprehensive and appropriate approach through the
konsep Modal 3 (tiga) Baris (Three Line Models). Konsep application of the Three Lines of Models. This concept
ini mengorganisasikan fungsi-fungsi yang terlibat dalam organizes the functions involved in risk management into
manajemen risiko menjadi 3 (tiga) kelompok utama, yaitu three main groups, namely risk owners, risk overseer, and
pemilik risiko (risk owner), pengawas risiko (risk overseer), independent assurance providers. In addition, the Bank also
dan penyedia pemastian independen. Di samping itu, Bank involves external parties as an additional line.
juga melibatkan pihak eksternal sebagai lapis tambahan.
Three Line Models
427
The Third Line Internal Audit
(External Auditr, Regulator)
2024
Additional Line
Performance
Highlights
Risk Management,
The Second Line
Compliance Assurance Management
Report
Company
Risk Taking Profile
The First Line
Unit/Business Unit
Management
Discussion and
Analysis
1. Lapis pertama adalah pemilik risiko yang bertanggung 1. The first line is the risk owner who is responsible for
jawab mengelola risiko dan menerapkan pengendalian managing risks and implementing internal controls on Business
internal pada risiko yang melekat dalam pekerjaan the inherent risks in daily operations, as well as taking Support
sehari-hari, serta melakukan tindakan korektif dalam corrective actions to address weaknesses in processes Overview
mengatasi kelemahan pada proses dan pengendalian. and controls.
2. Lapis kedua adalah fungsi atau unit organisasi yang 2. The second line is a function or organizational CORPORATE
memberikan rekomendasi kepada lapis pertama dalam unit providing recommendations to the first line in GOVERNANCE
implementasi kebijakan risiko yang telah ditetapkan, implementing established risk policies, monitoring the
memantau pengendalian lapis pertama, dan memastikan controls of the first line, and ensuring that the first line Sustainability
lapis pertama melakukan tanggung jawabnya dengan fulfills its responsibilities adequately. This function is Report
memadai. Fungsi ini dilakukan oleh Satuan Kerja carried out by the Risk Management Work Unit (SKMR),
Manajemen Risiko (SKMR), Satuan Kerja Kepatuhan Compliance Work Unit (SKK), and Quality Assurance.
(SKK), dan Penjaminan Mutu.
3. Lapis ketiga adalah Satuan Kerja Audit Internal yang 3. The third line is the Internal Audit Work Unit, which
memastikan secara independen pelaksanaan dari independently ensures the implementation of the first and
lapis pertama dan lapis kedua terhadap tata kelola, second lines related to governance, risk management,
manajemen risiko, dan pengendalian internal. and internal controls.
4. Untuk lapis tambahan, dilakukan oleh auditor eksternal 4. For the additional layer, it is carried out by external
dan regulator yang memberikan tambahan informasi auditors and regulators who provide additional
penerapan manajemen risiko Bank kepada para information on the implementation of the Bank’s risk
pemangku kepentingan. management to stakeholders.
Fokus Manajemen Risiko 2024 Risk Management Focus in 2024
Sepanjang tahun 2024, perekonomian Indonesia Throughout 2024, the Indonesian economy showed a robust
menunjukkan kinerja yang kuat dan stabil. Hal ini and stable performance. This was reflected in the Gross
tercermin dari pertumbuhan Produk Domestik Bruto (PDB) Domestic Product (GDP) growth of 5.1%, a slight increase
sebesar 5,1%, sedikit meningkat dibandingkan tahun compared to the previous year, which reached 5.0%.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 430
sebelumnya yang mencapai 5,0%. Stabilitas ekonomi dan Economic and political stability, supported by effective fiscal
politik, didukung oleh kebijakan fiskal dan moneter yang and monetary policies, succeeded in increasing investor
efektif, berhasil meningkatkan kepercayaan investor dan confidence and encouraging investment realization in
mendorong realisasi investasi di berbagai sektor. various sectors.
Di tengah tantangan global, kinerja ekspor barang dan Amidst global challenges, Indonesia’s goods and services
jasa Indonesia tumbuh sebesar 3,2%, sementara impor export performance increased by 3.2%, while imports
meningkat 3,5%. Meskipun demikian, neraca perdagangan increased by 3.5%. Nevertheless, the trade balance was well
tetap terjaga dengan baik. Tingkat inflasi sepanjang tahun maintained. The inflation rate throughout 2024 was recorded
2024 tercatat sebesar 2,8%, berada dalam kisaran target at 2.8%, within the target range set by the government and
yang ditetapkan oleh pemerintah dan Bank Indonesia. Hal Bank Indonesia. It demonstrates the government’s ability
ini menunjukkan kemampuan pemerintah dalam menjaga to maintain price stability and people’s purchasing power.
stabilitas harga dan daya beli masyarakat. (https://fiskal. (https://fiskal.kemenkeu.go.id/).
kemenkeu.go.id/).
428 Ekonomi domestik yang relatif kuat juga terlihat pada
indikator perbankan sebagaimana terlihat pada pertumbuhan
The relatively strong domestic economy could also be
seen in banking indicators, as seen in the growth of credit
Ikhtisar Kinerja
kredit (Bank umum) yang masih cukup baik yaitu sebesar (Commercial Banks), which remained quite healthy at 10.52%
2024 10,52% (yoy) meskipun melambat dari periode yang sama (yoy) although slower than the same period a year earlier
tahun sebelumnya sebesar 10,61% (yoy). Pertumbuhan kredit at 10.61% (yoy). This credit growth was driven by improved
Laporan tersebut turut didorong oleh membaiknya aktivitas usaha business activities and increased consumer confidence.
Manajemen dan meningkatnya tingkat keyakinan (optimisme) konsumen. (www.bps.go.id).
(www.bps.go.id).
Profil
Perusahaan
Dalam rangka memitigasi potensi risiko bagi Bank dan To mitigate potential risks for the Bank and ensure continuous
perbaikan berkelanjutan maka selama tahun 2024 Bank improvement, during 2024, the Bank implemented several
Analisis dan
Pembahasan telah melakukan beberapa penyempurnaan dan/atau improvements and/or strategies in risk control, among others:
Manajemen strategi dalam mengendalikan risiko, antara lain:
1. Bank mengantisipasi Risiko Kredit pasca berakhirnya 1. The Bank anticipates Credit Risk after the end of the
Tinjauan pandemi Covid-19 atas debitur yang mendapatkan Covid-19 pandemic on debtors who get relaxation,
Pendukung
Bisnis
relaksasi mengacu pada Siaran Pers OJK No. SP-41/ referring to OJK Press Release No. SP-41/OJK/GKPB/
OJK/GKPB/III/2024 tentang Pengumuman Berakhirnya III/2024 concerning the Announcement of the End of
TATA KELOLA Stimulus Restrukturisasi Perbankan Dalam Rangka Banking Restructuring Stimulus in the Context of Handling
PERUSAHAAN Penanganan Pandemi Covid-19 dengan melakukan the Covid-19 Pandemic by monitoring and increasing
monitoring dan meningkatkan pemantauan terhadap monitoring of debtors who get restructuring;
Laporan debitur yang mendapatkan restrukturisasi.
Keberlanjutan 2. Mengembangkan Budaya Manajemen Risiko, termasuk 2. Developed a Risk Management Culture, including risk
kesadaran risiko pada seluruh jenjang organisasi, awareness at all organizational levels, including adequate
meliputi sosialisasi dan komunikasi yang memadai outreach and communication throughout the organization
kepada seluruh jenjang organisasi tentang pentingnya regarding the importance of effective risk management
penerapan manajemen risiko yang efektif; implementation;
3. Memastikan bahwa Fungsi Manajemen Risiko telah 3. Ensured that the Risk Management Function was applied
diterapkan secara independen, tercermin antara lain independently. It was reflected, among other, in the
adanya pemisahan fungsi antara SKMR yang melakukan separation of functions between the Risk Management
identifikasi, pengukuran, pemantauan, dan pengendalian Work unit, which identified, measured, monitored, and
risiko dengan satuan kerja yang melakukan dan controlled risks, and the units that executed and settled
menyelesaikan transaksi; transactions;
4. Melalui Komite Manajemen Risiko, Komite Manajemen 4. Through the Risk Management Committee, Integrated Risk
Risiko Terintegrasi dan Komite Pemantau Risiko, Direksi Management Committee, and Risk Monitoring Committee,
bersama Komisaris telah melakukan pengawasan aktif the Board of Directors, together with Commissioners,
atas penerapan manajemen risiko yang efektif dengan had actively overseen the effective implementation of
melakukan rapat secara berkala membahas agenda risk management by holding regular meetings to discuss
dan/atau proposal mengenai manajemen risiko; agendas and/or proposals regarding risk management;
5. Telah dilakukan langkah-langkah perbaikan atau 5. Remedial actions or corrective actions have been taken
tindakan korektif untuk menindaklanjuti permasalahan to follow up on issues and/or weaknesses in the Bank’s
dan/atau kelemahan dalam kegiatan usaha Bank yang business activities that have become internal and/or
menjadi concern audit internal dan/atau eksternal; external audit concerns;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 431
6. Bank telah menyempurnakan metodologi perhitungan 6. The Bank refined the methodology for calculating Risk-
aktiva tertimbang menurut risiko (ATMR) untuk Risiko Weighted Assets (RWA) for Credit Risk, Operational Risk,
Kredit, Risiko Operasional, dan Risiko Pasar dengan and Market Risk using standard approach methods as
menggunakan metode pendekatan standar sesuai prescribed by the regulator;
dengan ketentuan regulator;
7. Bank secara berkala dan senantiasa melakukan kaji 7. The Bank periodically and continuously reviews in order
ulang dalam rangka penyempurnaan metodologi to improve the assessment methodology, preparation
penilaian, penyusunan parameter penilaian, bobot dan of assessment parameters, weights, and risk ranges for
rentang risiko untuk laporan Profil Risiko Bank dan the Bank’s Risk Profile report and Bank Soundness Level
Tingkat Kesehatan Bank baik secara individu (Bank both individually (Conventional Commercial Bank) and in
Umum Konvensional) maupun secara konsolidasi consolidation with Bank Nano Syariah as a subsidiary;
dengan Bank Nano Syariah selaku perusahaan anak;
8. Risk Appetite & Risk Tolerance telah dikaji ulang dan 8. Risk Appetite & Risk Tolerance have been reviewed and
ditetapkan sesuai dengan strategi dan kerangka determined in accordance with the Risk Management
Manajemen Risiko termasuk jika terdapat pelampauan strategy and framework, including if there is an
limit dan kewenangan untuk persetujuan, baik untuk
Bank maupun Terintegrasi Konglomerasi Keuangan Sinar
exceedance of limits and authority for approval, both
for the Bank and Integrated of Sinar Mas Financial
429
Mas; Conglomerate;
2024
9. Telah dilakukan penyusunan, kaji ulang, dan 9. The preparation, review, and establishment of a Performance
penetapan mekanisme penyempurnaan metodologi mechanism for improving the assessment methodology, Highlights
penilaian, penyusunan parameter penilaian, bobot dan preparation of assessment parameters, weights, and risk
rentang risiko untuk laporan Profil Risiko Terintegrasi ranges for the Integrated Risk Profile report of Sinar Mas Management
Konglomerasi Keuangan (KK) Sinar Mas; Financial Conglomerate (KK) have been conducted; Report
10. Bank telah melakukan kaji ulang beberapa Kebijakan dan 10. The Bank reviewed several Policies and Procedures,
Prosedur antara lain SOP Penilaian Kualitas Aset Bank among others, SOP on Assessment of Bank Assets Company
Versi 1.0, SOP Penyerahan Penagihan Kepada Pihak Quality Version 1.0, SOP on Handover of Collection to Profile
Ketiga (Collection Agent) Kredit Unsecured Segmentasi Third Party (Collection Agent) of Unsecured Loans for
Mikro, Consumer Loan, dan Kartu Kredit Versi 2.0, Micro-Segmentation, Consumer Loan, and Credit Card
Management
Penyaluran Kredit Simas Dana Tunai, SOP Penyelesaian Version 2.0, Simas Dana Cash Loan Disbursement, SOP Discussion and
Kredit Bermasalah versi 3.0, SOP Pengalihan/Penjualan on Non-performing Loan Settlement version 3.0, SOP on Analysis
Portofolio Kredit/Piutang (Cessie) versi 2.0, Penyaluran Transfer/Sale of Credit/Debt Portfolio (Cessie) version
Kredit Tanpa Agunan (KTA) Payroll, Ketentuan Negative 2.0, Disbursement of Payroll Unsecured Loan (KTA), Business
Database Bank Sinarmas, Ketentuan Proses Kredit Provisions on Negative Database of Bank Sinarmas, Support
Pada Commercial Loan Origination System, SE Tentang Provisions on Credit Process in Commercial Loan Overview
Kredit Pemilikan Mobil, SE Tentang Kredit Pemilikan Origination System, Circular Letter on Car Ownership
Rumah (KPR), SOP Supervisi Kredit Segmen Small Loan, Circular Letter on Home Ownership Loan (KPR), CORPORATE
& Medium Enterprise (SME) Loan, SOP Hapus Buku SOP on Credit Supervision of Small & Medium Enterprise GOVERNANCE
Kredit Bermasalah Versi 3.0, SOP Factoring (Anjak (SME) Loan Segment, SOP on Non-performing Loan Write-
Piutang) Versi 5.0, SOP Penerbitan Kartu Kredit Bank off Version 3.0, SOP on Factoring Version 5.0, SOP on Sustainability
Sinarmas Versi 1.0, SOP Simas Kredit Usaha Rakyat Issuance of Bank Sinarmas Credit Card Version 1.0, SOP Report
(KUR) Revisi 5.0, SE Penyaluran Kredit Simas KUK Kredit on Simas Kredit Usaha Rakyat (KUR) Revision 5.0, Circular
Usaha Rakyat, SE Fasilitas Kredit Dengan Perluasan Letter on Credit Distribution of Simas KUK Kredit Usaha
Agunan, Ketentuan Metode Analisa Keuangan dalam Rakyat, Circular Letter on Credit Facility with Collateral
Pengajuan Kredit Micro, Small & Medium Enterprise, Expansion, Provisions on Financial Analysis Methods in
SOP Perkreditan Segmen Corporate dan Commercial Micro, Small & Medium Enterprise Loan Applications, SOP
Versi 2.0, SE Fasilitas Kredit Berbasis Kontrak Kerja Untuk for Corporate and Commercial Segment Credit Version
Pengerjaan Proyek Negara, SE Supply Chain Financing 2.0, Circular Letter of Credit Facilities Based on Labor
(SCF), SE Early Warning Kredit Korporasi & Komersial, Contracts for State Projects, Circular Letter on Supply
SE Segmentasi Fasilitas Kredit Produktif, SK Susunan Chain Financing (SCF), Circular Letter on Early Warning
dan Wewenang Penanganan Kredit Segmen Corporate of Corporate & Commercial Loans, Circular Letter of
serta Commercial Kolektibilitas 1 dan 2 yang Terdampak Segmentation of Productive Credit Facilities, Decree
Penyebaran Coronavirus Disease 2019 (COVID-19), on the Structure and Authority to Handle Corporate and
SK Susunan dan Wewenang Memutus Untuk Komite Commercial Segment Loans with Collectibility 1 and 2
Kredit dan Komite Penyelesaian Kredit Bermasalah Affected by the Spread of Coronavirus Disease 2019
Kolektibilitas 1 dan 2 Small & Medium Enterprise Loan, (COVID-19), Decree on the Composition and Authority
dan SK Susunan Anggota dan Wewenang Komite to Decide for Credit Committee and Non-Performing
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2024 PT. Bank Sinarmas Tbk.
Page 432
Kredit Bank (KPKB, Kredit Corporate, Komite FI, Kredit Loan Settlement Committee for Collectibility 1 and 2
Commercial, Credit Card melalui kantor Cabang, Kredit Small & Medium Enterprise Loan, and Decree on the
KPR melalui kantor Cabang). Composition of Members and Authority of Bank Credit
Committee (KPKB, Corporate Credit, FI Committee,
Commercial Credit, Credit Card through Branch offices,
Mortgage Credit through Branch offices).
Di samping itu, kaji ulang juga dilakukan secara berkala In addition, periodic reviews were also conducted on
terhadap beberapa Kebijakan dan Prosedur seperti Risk several Policies and Procedures such as the Bank’s Risk
Appetite & Risk Tolerance Bank dan Risk Appetite & Risk Appetite & Risk Tolerance and Integrated Risk Appetite &
Tolerance Terintegrasi bagi Konglomerasi Keuangan Risk Tolerance for Sinar Mas Financial Conglomeration,
Sinar Mas, Kebijakan Penerapan Manajemen Risiko Integrated Risk Management Implementation Policy,
Terintegrasi, Peran SKMR dalam Melaksanakan Risk SKMR’s Role in Conducting Risk Assessment and
Assessment dan Monitoring, Prosedur Enterprise Risk Monitoring, Enterprise Risk Management Procedure, RWA
Management, Prosedur Penyusunan Metodologi ATMR, Methodology Preparation Procedure, Bank Indonesia
430 Prosedur Pinjaman Likuiditas Jangka Pendek (PLJP)
Bank Indonesia, Prosedur Contingency Funding Plan
Short-Term Liquidity Loan (PLJP) Procedure, Contingency
Funding Plan (CFP) Procedure, Off Market Rate (OMR)
Ikhtisar Kinerja
(CFP), Prosedur Off Market Rate (OMR), Prosedur Valuasi Procedure, Valuation Procedure (Mark to Market) and
2024 (Mark to Market) dan Verifikasi Hasil Valuasi Portofolio Verification of Valuation Results of Securities Portfolio,
Surat Berharga, Prosedur Scoring Model, Petunjuk Scoring Model Procedure, Implementation Guidelines for
Laporan Pelaksanaan Pemantauan Risiko Pasar dan Risiko Monitoring Market Risk and Liquidity Risk, Implementation
Manajemen Likuiditas, Petunjuk Pelaksanaan Divisi Manajemen Guidelines for Credit Risk Management Division,
Risiko Kredit, Petunjuk Pelaksanaan Sistem Pelaporan Implementation Guidelines for Reporting and Monitoring
Profil dan Monitoring Penyediaan Dana dan BMPK. System of Fund Provision and Legal Lending Limit (LLL);
Perusahaan
11. Bank juga telah melaksanakan stress testing Risiko Kredit, 11. The Bank also regularly conducted stress testing for
Risiko Pasar, Risiko Likuiditas, dan Risiko Operasional Credit Risk, Market Risk, Liquidity Risk, and Operational
Analisis dan
Pembahasan secara berkala baik secara individu maupun konsolidasi Risk, both individually or consolidated with Bank Nano
Manajemen dengan Bank Nano Syariah sebagai perusahaan anak Syariah as a subsidiary, to test the resilience of business
dalam rangka menguji ketahanan aktivitas bisnis, activities, the impact on non-performing loans (NPLs),
Tinjauan dampak terhadap non-performing loan (NPL), cadangan allowance for impairment losses (CKPN), liquidity
Pendukung
Bisnis
kerugian penurunan nilai (CKPN), kemampuan likuiditas, capability, revenue and the capital adequacy of Bank
pendapatan dan ketahanan permodalan Bank Sinarmas. Sinarmas. Additionally, the Bank conducted integrated
TATA KELOLA Selain itu, Bank juga dilakukan perhitungan Stress Stress Testing calculations for Sinar Mas Financial
PERUSAHAAN Testing Terintegrasi Konglomerasi Keuangan Sinarmas di Conglomeration, where the Bank acts as the Lead Entity;
mana Bank selaku Entitas Utama.
Laporan 12. Bank telah menetapkan strategi, parameter, threshold 12. The Bank determined the strategy, parameters,
Keberlanjutan serta penyusunan Laporan Rencana Aksi Pemulihan thresholds, and preparation of the Recovery Plan Report
(Recovery Plan) Tahun 2024 sebagai salah satu 2024 as one of the fulfillment of regulatory requirements
pemenuhan ketentuan regulator serta rencana darurat and emergency plans to manage the continuity of the
dalam rangka mengelola kelangsungan aktivitas Bank. Bank’s activities.
13. Untuk meningkatkan kualitas sumber daya manusia 13. To improve the quality of human resources in conducting
dalam melakukan pengelolaan risiko, Bank telah risk management, the Bank conducted a number
mengadakan sejumlah training, baik yang diadakan of trainings, both in-house and external, including
secara inhouse maupun eksternal, antara lain pemberian the provision of risk management materials, risk
materi risk management, program sertifikasi manajemen management certification program and refreshment,
risiko berikut refreshment, sosialisasi implementasi socialization of Risk Control Self Assessment (RCSA) and
Risk Control Self Assessment (RCSA) dan Loss Event Loss Event Database (LED) implementation, Training on
Database (LED), Training Penerapan Manajemen Risiko Integrated Risk Management Implementation for Sinar
Terintegrasi Bagi Konglomerasi Keuangan Sinar Mas, Mas Financial Conglomeration, Training through UDEMY
Training melalui platform UDEMY, penyampaian materi platform, delivery of risk campaign materials through
risk campaign melalui email, dan lain sebagainya. email, and so forth.
Dari sisi manajemen risiko kredit, Bank juga telah In terms of credit risk management, the Bank also
mengadakan sejumlah training seperti Mekanisme conducted several trainings such as Mechanism of
Pelaksanaan Penilaian Agunan Pada Micro Loan, Analisa Collateral Assessment Implementation on Micro Loan,
Kredit SME Loan, Penyaluran Kredit Mikro Micro Loan SME Loan Credit Analysis, Micro Loan Disbursement
Melalui Sistem Simas Lead dan Pegasystem MSME, through Simas Lead System and Pegasystem MSME,
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PT. Bank Sinarmas Tbk. 2024
Page 433
Kredit Joint Financing, Sosialisasi Akad Murabahah dan Joint Financing Credit, Socialization of Murabahah
Deploy Restruktur Murabahah, Sosialisasi Ketentuan Agreement and Deployment of Murabahah Restructure,
Baru dan Bedah Kasus KPR, Refreshment Proses Analisa Socialization of New Provisions and Case Review of
Kredit MSME, Penanganan Kredit Bermasalah, Sharing Mortgage, Refreshment of MSME Credit Analysis Process,
Session dan Bedah Kasus Appraisal, Banking Credit Troubled Credit Handling, Sharing Session and Case
Analysis Process (for Bankers), Intro to Commercial Review of Appraisal, Banking Credit Analysis Process
Credit Analysis, Credit Risk and Lending Banking Credit (for Bankers), Intro to Commercial Credit Analysis, Credit
Analysis Process (for Bankers), Intro to Commercial Credit Risk and Lending Banking Credit Analysis Process (for
Analysis, Credit Risk and Lending, Workshop Create And Bankers), Intro to Commercial Credit Analysis, Credit
Elaborate Excellent Process For MSME Loan, Pengikatan Risk and Lending, Workshop on Create and Elaborate
Kredit dan Agunan, Refreshment Macroeconomics & Excellent Process for MSME Loan, Credit and Collateral
Product, Mekanisme Pelaksanaan Penilaian Agunan Binding, Macroeconomics & Product Refreshment,
Pada Micro Loan, Analisis Kredit SME, Penilaian Jaminan, Mechanism of Collateral Assessment Implementation on
Analisa Sawit, Penerbitan Bank Garansi Melalui Media Micro Loan, SME Credit Analysis, Collateral Assessment,
Swift, Refreshment Proses Analisa Kredit MSME, dan Palm Analysis, Issuance of Bank Guarantee through Swift
Sosialisasi Katalog, serta lain sebagainya. Media, Refreshment of MSME Credit Analysis Process,
and Catalog Socialization, etc.
431
14. Bank secara terus menerus dan berkesinambungan 14. The Bank continuously and sustainably develops its
2024
melakukan pengembangan pada kanal-kanal elektronik electronic channels to increase the effectiveness of Performance
yang dimiliki untuk meningkatkan efektivitas pada fundraising activities and increase fee income; Highlights
aktivitas penghimpunan dana dan meningkatkan
pendapatan fee; Management
15. Bank melakukan perhitungan dan menyampaikan 15. The Bank calculates and submits reporting for liquidity Report
pelaporan untuk rasio likuiditas yaitu liquidity coverage ratios, namely liquidity coverage ratio (LCR), net stable
ratio (LCR), net stable funding ratio (NSFR), dan Leverage funding ratio (NSFR), and Leverage Ratio in accordance Company
Ratio sesuai dengan ketentuan yang ditetapkan secara with the stipulated provisions promptly and published on Profile
tepat waktu dan dipublikasikan pada web Bank.; the Bank’s website;
16. Bank mengukur Interest Rate Risk in Banking Book 16. The Bank measures Interest Rate Risk in the Banking
Management
(IRRBB) dimana penerapan dilakukan dengan Book (IRRBB), which is implemented by identifying, Discussion and
mengidentifikasi, mengukur, dan memantau serta measuring, monitoring, and controlling interest rate Analysis
mengendalikan pergerakan suku bunga yang movements that can cause changes in the present value
dapat menyebabkan perubahan pada nilai kini dan and timing of future cash flows that affect the economic Business
penetapan waktu arus kas pada masa mendatang yang value of assets, liabilities, and administrative account Support
mempengaruhi nilai ekonomis dari aset, liabilitas dan transactions and cause changes in net interest income. Overview
transaksi rekening administratif serta menyebabkan Interest rate risk in the Bank’s book (IRRBB) is measured
perubahan pada pendapatan bunga bersih. Risiko suku based on the impact of interest rate changes on changes CORPORATE
bunga dalam buku bank (IRRBB) diukur berdasarkan in the economic value of equity (EVE) and changes in GOVERNANCE
dampak perubahan suku bunga terhadap perubahan net interest income (NII). Interest rate risk management
nilai ekonomis dari ekuitas (economic value of equity/ is complemented by periodic sensitivity analysis to Sustainability
EVE) dan perubahan pada pendapatan bunga bersih measure the impact of significant changes in interest Report
(net interest income/NII). Pengelolaan risiko suku bunga rates;
dilengkapi dengan analisa sensitivitas secara periodik
untuk mengukur dampak dari perubahan suku bunga
yang signifikan;
17. Tingkat risiko yang dihadapi Bank telah dipantau secara 17. The level of risk faced by the Bank has been monitored
berkala dan secara keseluruhan proses manajemen regularly, and the overall risk management process is
risiko dijalankan berdasarkan pada penerapan prinsip carried out based on the application of GCG principles
GCG dan prinsip kehati-hatian; and prudential principles;
18. Seluruh risiko yang material dan dampak yang ditimbulkan 18. All material risks and impacts caused by the risks
oleh risiko telah ditindaklanjuti dan disampaikan have been followed up and submitted to the Board of
pertanggungjawaban kepada Direksi, Dewan Komisaris Directors, Board of Commissioners, and/or regulators,
dan/atau regulator, termasuk langkah-langkah perbaikan including corrective measures that have been, are being,
yang telah, sedang, dan akan dilakukan; serta and will be carried out; and
19. Bank senantiasa meningkatkan risk awareness dari 19. The Bank continues to increase risk awareness in terms
sisi informasi dan teknologi yang sejalan dengan di of information and technology in line with the issuance
terbitkannya Peraturan Otoritas Jasa Keuangan No.29/ of Financial Services Authority Regulation No.29/
SEOJK.03/2022 tentang Ketahanan dan Keamanan Siber SEOJK.03/2022 concerning Cyber Resilience and
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Bagi Bank Umum yaitu dengan melakukan pengukuran Security for Commercial Banks, namely by conducting
mandiri atau penilaian sendiri (self-assessment) yang self-measurement or self-assessment, which refers to the
mengacu kepada parameter, threshold dan bobot risk parameters, thresholds, and weights that have been
risiko yang telah di tetapkan serta disetujui oleh Komite determined and approved by the Risk Management
Manajemen Risiko dan Komite Pemantau Risiko. Committee and Risk Monitoring Committee.
Struktur Organisasi Manajemen Risiko Bank Risk Management Organizational Structure of
Sinarmas Bank Sinarmas
Bank Sinarmas telah memiliki struktur organisasi yang Bank Sinarmas has a well-established organizational
memadai untuk mendukung penerapan manajemen risiko. structure to support the implementation of risk management.
Organ dalam struktur tersebut diuraikan sebagai berikut. The organs within the structure are outlined as follows.
Compliance &
Risk Management Director
432
Risk Management
Group Head
Ikhtisar Kinerja
2024
Laporan
Manajemen
Credit Risk Management Operational & IT Risk Market, Liquidity & Enterprise
Division Head Management Division Head Management Division Head
Profil
Perusahaan
Analisis dan Organ Struktur Manajemen Risiko Bank Sinarmas
Pembahasan Structure Organ of the Integrated Risk Management of Sinarmas
Manajemen Wewenang dan Tanggung Jawab
Organ
Authority and Responsibility
Tinjauan Satuan Kerja Manajemen Risiko (SKMR)
Pendukung Risk Management Work Unit (SKMR)
Bisnis
SKMR merupakan satuan • Melakukan pemantauan pelaksanaan strategi • Monitoring the implementation of risk management
kerja yang menjalankan manajemen risiko yang telah disetujui oleh direksi; strategies approved by the Board of Directors;
TATA KELOLA fungsi pengelolaan • Melakukan pemantauan posisi risiko secara • Monitoring the overall risk position, per type of risk,
penerapan manajemen keseluruhan, per jenis risiko, dan per jenis aktivitas and type of functional activity and conducting stress
PERUSAHAAN
risiko pada aktivitas fungsional serta melakukan stress testing; testing;
operasional Bank. Organ • Melakukan kaji ulang secara berkala terhadap proses • Conducting periodic reviews of the risk management
ini merupakan bagian dari manajemen risiko; process;
Laporan
Direktorat Kepatuhan dan • Melakukan pengkajian usulan aktivitas dan/atau • Reviewing proposals for new activities and/or
Keberlanjutan Manajemen Risiko yang produk baru serta usulan perubahan sistem dan products as well as proposals for changes to systems
memiliki 3, Divisi yaitu: prosedur; and procedures;
• Credit Risk • Melakukan evaluasi terhadap akurasi model dan • Evaluating the accuracy of the model and the validity
Management Division; validitas data yang digunakan untuk mengukur risiko; of the data used to measure risk;
• Operational & IT Risk • Memberikan rekomendasi kepada satuan kerja • Providing recommendations to operational work units
Management Division; operasional (risk taking unit) dan/atau kepada Komite (risk-taking units) and/or to the Risk Management
dan Manajemen Risiko, sesuai kewenangan yang dimiliki; Committee, according to their authority; and
• Market, Liquidity dan
& Enterprise Risk • Menyusun dan menyampaikan laporan profil risiko • Preparing and submitting risk profile reports to the
Management Division. kepada direktur utama atau direktur yang ditugaskan President Director or specially assigned Director and
The Risk Management secara khusus serta Komite Manajemen Risiko secara the Risk Management Committee regularly.
Work Unit is a work berkala.
unit carrying out the
function of managing
the implementation of
risk management in the
operational activities
of the bank. This unit is
part of the Compliance
and Risk Management
Directorate, which consists
of three divisions, namely:
• Credit Risk
Management Division;
• Operational & IT Risk
Management Division;
and
• Market, Liquidity
& Enterprise Risk
Management Division.
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Page 435
Wewenang dan Tanggung Jawab
Organ
Authority and Responsibility
Komite Manajemen Risiko
Risk Management Committee
Komite Manajemen Komite Manajemen Risiko memiliki tugas dan tanggung The Risk Management Committee has duties and
Risiko merupakan komite jawab memberikan rekomendasi kepada Direktur Utama, responsibilities to provide recommendations to the
yang dibentuk dengan paling sedikit mencakup: President Director, at least including:
tujuan menjalankan • Penyusunan kebijakan, strategi, dan pedoman • Formulation of policies, strategies, and guidelines
fungsi manajemen penerapan manajemen risiko serta perubahannya, for the implementation of risk management and
risiko pada level Direksi termasuk strategi manajemen risiko, tingkat risiko yang any changes thereto, including risk management
dan pejabat eksekutif diambil dan toleransi risiko, kerangka manajemen strategies, risk appetite, risk tolerance levels, risk
untuk mengarahkan risiko serta rencana kontinjensi untuk mengantisipasi management frameworks, and contingency plans to
serta menyetujui terjadinya kondisi tidak normal; anticipate abnormal conditions;
penyusunan strategi, • Perbaikan atau penyempurnaan pelaksanaan • Improvement or refinement of risk management
kebijakan, prosedur, manajemen risiko secara berkala maupun bersifat implementation regularly or incidentally as a result
limit dan metodologi insidental sebagai akibat dari suatu perubahan kondisi of changes in external and internal conditions of the
yang digunakan untuk eksternal dan internal Bank yang mempengaruhi Bank that affect capital adequacy, the Bank›s risk
memitigasi risiko yang kecukupan permodalan, Profil Risiko Bank, dan tidak profile, and the ineffectiveness of risk management
mungkin di hadapi. efektifnya penerapan manajemen risiko berdasarkan implementation based on evaluation results;
The Risk Management hasil evaluasi;
Committee is a committee • Penetapan kebijakan dan/atau keputusan bisnis • Determination of policies and/or business decisions
formed aiming to carry yang menyimpang dari prosedur normal, seperti that deviate from normal procedures, such as
out risk management
functions at the Board of
pelampauan ekspansi usaha yang signifikan
dibandingkan dengan rencana bisnis Bank yang telah
significant business expansion beyond the Bank›s
previously established business plans or taking 433
Directors and executive ditetapkan sebelumnya atau pengambilan posisi/ positions/exposures that exceed the predefined limits,
officer levels to direct and eksposur risiko yang melampaui limit yang telah which can be conveyed through Risk Management
approve the formulation ditetapkan yang dapat disampaikan melalui rapat Committee meetings or internal memorandum 2024
of strategies, policies, Komite Manajemen Risiko atau dilakukan melalui circulation; Performance
procedures, limits, and sirkulasi memorandum internal; Highlights
methodologies used to • Menyetujui laporan Tingkat Kesehatan Bank yang • Approval of the Bank›s Soundness Level Report,
mitigate potential risks. meliputi Laporan Profil Risiko Bank mencakup 8 which includes the Bank›s Risk Profile Report covering
(delapan) jenis risiko, yaitu Risiko Kredit, Risiko Pasar, 8 (eight) types of risks such as Credit Risk, Market
Risiko Likuiditas, Risiko Stratejik, Risiko Operasional, Risk, Liquidity Risk, Strategic Risk, Operational Risk, Management
termasuk Risiko Siber sebagai indikator tambahan, including Cyber Risk as an additional indicator, Report
Risiko Kepatuhan, Risiko Reputasi dan Risiko Hukum Compliance Risk, Reputation Risk, and Legal Risk,
serta terdapat tambahan 2 (dua) risiko terkait syariah, as well as two additional Sharia-related risks, namely
yaitu Risiko Investasi dan Risiko Imbal Hasil, Laporan Investment Risk and Yield Risk, Governance Report,
Tata Kelola Bank, Laporan Rentabilitas Bank, dan Profitability Report, and Capital Report, which must Company
Laporan Permodalan Bank yang wajib disampaikan be submitted periodically to regulators on a quarterly Profile
secara berkala kepada regulator yaitu triwulan and semi-annual basis and approved through Risk
dan semester yang disampaikan pada rapat dan Management Committee meetings;
direkomendasikan oleh Komite Manajemen Risiko; • Approval of other reports that must be submitted to
Management
• Menyetujui laporan lain yang wajib dilaporkan regulators periodically, such as the Internal Capital
kepada regulator secara berkala, seperti Laporan Adequacy Assessment Process (ICAAP) Report, Stress Discussion and
Internal Capital Adequacy Assessment Process Test Report, and others that need to be submitted Analysis
(ICAAP), Laporan Stress Test, dan lain-lain yang and approved through Risk Management Committee
perlu disampaikan dan disetujui melalui rapat Komite meetings or internal memorandum circulation;
Manajemen Risiko atau melalui sirkulasi memorandum Business
internal;
• Menjalankan fungsi yang lain seperti yang diarahkan • Performing other functions as directed by the President Support
oleh Direktur Utama dan/atau Komite Pemantau Director and/or the Risk Monitoring Committee; and Overview
Risiko; dan
• Menyetujui rencana kerja yang disusun dan • Approving the work plan prepared and submitted by
disampaikan oleh sekretaris Komite Manajemen the secretary of the Risk Management Committee. CORPORATE
Risiko.
GOVERNANCE
Keanggotaan Komite Manajemen Risiko Risk Management Committee Membership
Keanggotaan Komite Manajemen Risiko sesuai dengan The Risk Management Committee›s membership is in
Pedoman dan Tata Tertib Kerja Komite Manajemen line with the Charter and Working Procedures of the Risk Sustainability
Risiko, sebagai berikut : Management Committee, as follows: Report
1. Ketua (merangkap anggota tetap) yaitu Direktur yang 1. Chairperson (also a permanent member), namely
membawahi Kepatuhan dan Manajemen Risiko the Director in Charge of Compliance and Risk
Management
2. Sekretaris (merangkap anggota tetap) yaitu Risk 2. Secretary (also a permanent member), namely the Risk
Management Group Head Management Group Head
3. Anggota Tetap yaitu Seluruh Direktur 3. Permanent Members, consisting of all Directors
4. Anggota Tidak Tetap yaitu terdiri dari: 4. Non-Permanent Members, consisting of:
• Bidang Audit Internal • Internal Audit Department
• Bidang Compliance • Compliance Department
• Bidang Credit Management (MSME & Consumer) • Credit Management Department (MSME &
Consumer)
• Bidang Loan Recovery • Loan Recovery Department
• Bidang Legal • Legal Department
• Bidang Anti Fraud Management • Anti-Fraud Management Department
• Bidang Deposit Investment Product Development • Deposit Investment Product Development
Department
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Page 436
Wewenang dan Tanggung Jawab
Organ
Authority and Responsibility
• Bidang Customer Segmentation • Customer Segmentation Department
• Bidang Micro, Small & Medium Enterprise Business • Micro, Small & Medium Enterprise Business
Department
• Bidang Corporate & Commercial Banking • Corporate & Commercial Banking Department
• Bidang Corporate Banking Business Solution • Corporate Banking Business Solution Department
• Bidang Treasury & Financial Institution • Treasury & Financial Institution Department
• Bidang Payment Transaction & Consumer Loan • Payment Transaction & Consumer Loan
Department
• Bidang Credit Card • Credit Card Department
• Bidang Securities Services • Securities Services Department
• Bidang IT • IT Department
• Bidang Business Intelligence • Business Intelligence Department
• Bidang Artificial Intelligence & Decision Science • Artificial Intelligence & Decision Science
Department
• Bidang Credit Administration & Control • Credit Administration & Control Department
• Bidang Branch Network, Business Continuation & • Branch Network, Business Continuation & General
General Services Services Department
• Bidang Procurement • Procurement Department
• Bidang Finance & Performance Management • Finance & Performance Management Department
434 • Bidang Operations
• Bidang Human Capital Management
• Operations Department
• Human Capital Management Department
• Bidang Digital Marketing • Digital Marketing Department
• Bidang Sales and Distribution • Sales and Distribution Department
Ikhtisar Kinerja
2024 Keputusan Komite Manajemen Risiko Risk Management Committee Decision
a. Keputusan Rapat Komite Manajemen Risiko dilakukan a. Decisions of the Risk Management Committee
Laporan dengan tujuan untuk mencapai musyawarah Meetings are conducted to achieve deliberation and
dan mufakat, pengambilan keputusan dilakukan consensus. Decision-making is based on voting and
Manajemen
berdasarkan pemungutan suara dan dinyatakan sah is declared valid if approved by more than 50% of the
apabila disetujui oleh lebih dari 50% dari anggota permanent members present. In addition to meetings,
Profil tetap yang hadir. Selain dilakukan rapat, keputusan decisions can be made through circulation and/or
Perusahaan dapat dilakukan melalui sirkulasi dan/ atau email, email and can be declared valid/quorum if approved by
dan dapat dinyatakan sah/quorum apabila disetujui more than 50% of the number of members, including
oleh lebih dari 50% jumlah anggota termasuk Ketua the Chairman of the risk management committee and/
Analisis dan komite manajemen risiko dan/atau Sekretaris Komite; or Secretary of the Committee;
Pembahasan b. Dalam hal pengambilan hak suara berimbang maka b. In the event of a tie vote, the chairman of the
Manajemen ketua komite berhak untuk memberikan hak suara committee shall have the right to cast the second
kedua. Dalam hal Ketua Komite berhalangan maka vote. If the Chairman of the Committee is absent, the
Direktur Utama berhak untuk memberikan hak suara President Director is entitled to cast the second vote.
Tinjauan kedua. Rekomendasi yang diberikan oleh Komite Recommendations provided by the Risk Management
Pendukung Manajemen Risiko harus mencerminkan suatu Committee must reflect an agreement among the
Bisnis kesepakatan diantara para anggota Komite; Committee members;
c. Keputusan Direksi yang diambil sesuai dengan c. Decisions of the Board of Directors taken in
pedoman dan tata tertib kerja mengikat dan menjadi accordance with the guidelines and work rules are
TATA KELOLA tanggung jawab seluruh anggota Direksi; binding and the responsibility of all members of the
PERUSAHAAN Board of Directors;
Realisasi Rencana Kerja Komite Manajemen Risiko Implementation of Risk Management Committee Work
Laporan 2024 Plan in 2024
Keberlanjutan 1. Penyusunan dan perbaikan Kebijakan Manajemen 1. Preparation and improvement of Risk Management
Risiko (strategi dan kerangka manajemen risiko), Policy (risk management strategy and framework),
meliputi : including:
1) Menyetujui Kebijakan Manajemen Risiko dan wajib 1) Approved the Risk Management Policy and must
mendapatkan persetujuan Komisaris. obtain the Commissioner›s approval.
2) Mengkomunikasikan atau sosialisasi Kebijakan 2) Communicated or socialized the Risk Management
Manajemen Risiko secara efektif kepada seluruh Policy effectively to all levels of the organization so
jenjang organisasi agar penerapan sesuai dengan that the implementation is in accordance with what
yang telah ditetapkan. has been determined.
3) Kaji ulang Kebijakan Manajemen Risiko paling 3) Reviewed the Risk Management Policy at least
sedikit 1 (satu) kali dalam setahun atau sewaktu- once a year or at any time there are changes in
waktu terdapat perubahan faktor-faktor yang factors that significantly affect business activities
mempengaruhi kegiatan usaha secara signifikan as a result of changes in external and internal
sebagai akibat dari suatu perubahan kondisi conditions that have an impact on capital adequacy,
eksternal dan internal yang berdampak pada risk profile, and ineffective implementation of Risk
kecukupan permodalan, profil risiko, dan tidak Management.
efektifnya penerapan Manajemen Risiko.
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Wewenang dan Tanggung Jawab
Organ
Authority and Responsibility
4) Mengevaluasi kesesuaian antara kebijakan 4) Evaluated the suitability of Risk Management
Manajemen Risiko dengan penerapan dan rencana policies with implementation and contingency plans
kontijensi paling sedikit 1 (satu) kali dalam setahun at least once a year to anticipate the occurrence of
untuk mengantisipasi terjadinya kondisi tidak abnormal conditions and to improve or refine risk
normal dan guna perbaikan atau penyempurnaan management policies.
kebijakan manajemen risiko.
2. Memastikan manajemen risiko telah diterapkan sesuai 2. Ensuring risk management has been implemented in
dengan karakteristik dan kompleksitas usaha Bank accordance with the characteristics and complexity
dan ketentuan regulator, meliputi: of the Bank›s business and regulatory requirements,
including:
1) Menyetujui Pedoman atau Rencana Kerja 1) Approved the Guidelines or Work Plan of the Risk
Komite Manajemen Risiko disesuaikan dengan Management Committee in accordance with the
karakteristik, kompleksitas usaha, dan risiko yang characteristics, business complexity, and risks
melekat pada bisnis bank. inherent in the Bank›s business.
2) Menyetujui Laporan Internal Capital Adequacy 2) Approved the Internal Capital Adequacy
Assessment Process (ICAAP) dan memastikan Assessment Process (ICAAP) Report and ensured
kecukupan permodalan Bank dalam mengantisipasi the adequacy of the Bank›s capital in anticipating
potensi risiko yang akan terjadi, memiliki modal potential risks that will occur, having robust capital
yang kuat dalam mendukung strategi bisnis in supporting business strategies, and becoming a
dan menjadi buffer saat terjadi krisis. (termasuk
konsolidasi dengan Bank Nano Syariah selaku
buffer in the event of a crisis. (including consolidation
with Bank Nano Syariah as a subsidiary). 435
anak perusahaan).
3) Memantau risiko inheren yang signifikan yang 3) Monitored significant inherent risks that affect the
mempengaruhi Profil Risiko dan Tingkat Kesehatan. Risk Profile and Soundness Level. 2024
4) Menetapkan dan Menyetujui Risk Appetite dan 4) Determined and Approved Risk Appetite and Risk Performance
Risk Tolerance (RART) serta melakukan kaji ulang Tolerance (RART) and conducted a review at least Highlights
minimal 1 (satu) kali dalam setahun. once a year.
5) Melakukan evaluasi dan rekomendasi atas 5) Evaluated and recommended significant business
pelampauan ekspansi usaha yang signifikan expansion compared to the established business Management
dibandingkan dengan rencana bisnis yang telah plan or taking positions or risk exposures that Report
ditetapkan atau pengambilan posisi atau eksposur exceed the established RART limits.
Risiko yang melampaui limit RART yang telah
ditetapkan.
Company
6) Memantau kecukupan proses identifikasi, 6) Monitored the adequacy of risk identification,
pengukuran, pemantauan, dan pengendalian risiko, measurement, monitoring, and control processes, Profile
serta sistem informasi manajemen risiko. as well as risk management information systems.
7) Memastikan kecukupan SDM (kompetensi dan 7) Ensured the adequacy of HR (competence and
kualitas) dalam mengelola dan mengendalikan quality) in managing and controlling risks and Management
risiko serta memastikan bahwa fungsi manajemen ensured that the risk management function has Discussion and
risiko telah diterapkan secara independen been independently implemented as reflected, Analysis
tercermin antara lain adanya pemisahan fungsi among others, by the separation of functions
antara Risk Management Group dengan satuan between the Risk Management Group and business
kerja bisnis yang melakukan dan menyelesaikan units that conduct and complete transactions and Business
transaksi serta Internal Audit. Internal Audit.
Support
8) Menyetujui, mengevaluasi dan memantau skenario 8) Approved, evaluated, and monitored scenarios and
Overview
serta hasil Stress Testing yang dilakukan. results of Stress Testing conducted.
9) Melaksanakan Rapat KMR minimal 10 kali dalam 1 9) Carried out the Risk Management Committee
(satu) tahun. Meeting at least 10 times a year.
3. Memahami dengan baik risiko yang melekat pada 3. Understanding well the risks inherent in the business: CORPORATE
bisnis : GOVERNANCE
1) Menyetujui dan memastikan telah melakukan Self 1) Approved and ensured that the Bank has
Assessment Laporan Profil Risiko dan Laporan conducted Self Assessment of the Risk Profile
Tingkat Kesehatan dengan struktur, skala, Report and Health Level Report with structure, Sustainability
kompleksitas, dan tingkat risiko sesuai ketentuan scale, complexity, and risk level in accordance with Report
yang ditetapkan. the stipulated provisions.
2) Menyetujui dan memastikan Bank telah melakukan 2) Approved and ensured that the Bank has reviewed
kaji ulang parameter/rentang risiko/bobot risiko the parameters/risk ranges/risk weights of the
dari Profil Risiko dan Tingkat Kesehatan secara Risk Profile and Soundness Level regularly with
berkala dengan mengacu pada ketentuan internal reference to internal and regulatory provisions
dan Regulator mengenai Penerapan Manajemen regarding the Implementation of Risk Management.
Risiko.
3) Memantau dan memastikan seluruh risiko yang 3) Monitored and ensured all material risks through
material melalui penerapan Manajemen Risiko. the implementation of Risk Management.
4) Melakukan pengawasan dan/atau pemantauan 4) Supervised and/or monitored the Provisions and
terkait Ketentuan dan uji coba Contigency Funding trials of the Contingency Funding Plan and Short-
Plan dan Pinjaman Likuiditas Jangka Pendek (PLJP) Term Liquidity Loan (PLJP) of Bank Indonesia.
Bank Indonesia.
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Wewenang dan Tanggung Jawab
Organ
Authority and Responsibility
5) Menyetujui Laporan Profil Risiko secara komposit 5) Approved the Risk Profile Report on a composite
per jenis risiko dan Laporan Tingkat Kesehatan basis per risk type and the Soundness Report as a
secara keseluruhan dan per faktor penilaian, serta whole and per assessment factor, and may adjust
dapat menyesuaikan tingkat risiko (lebih tinggi the risk level (higher or lower than the risk level to
atau lebih rendah dari tingkat risiko dalam rangka reflect the actual risk level (including consolidation
menggambarkan tingkat risiko yang sebenarnya with Bank Nano Syariah as a subsidiary).
(termasuk konsolidasi dengan Bank Nano Syariah
sebagai anak perusahaan).
4. Mengembangkan budaya risiko sebagai bagian dari 4. Developing a risk culture as part of risk management
penerapan manajemen risiko : implementation:
1) Memantau sertifikasi dan pelatihan untuk 1) Monitored certification and training for all levels
seluruh jenjang organisasi mengenai penerapan of the organization on the implementation of risk
manajemen risiko. management.
2) Melakukan komunikasi atau Focus Group 2) Conducted adequate communication or Focus
Discussion yang memadai kepada seluruh jenjang Group Discussions at all levels of the organization
organisasi tentang pentingnya pengendalian intern on the importance of effective internal control.
yang efektif.
Rapat Komite Manajemen Risiko Risk Management Committee Meeting
436 Komite Manajemen Risiko mengadakan rapat secara
berkala minimal 10 (sepuluh) kali dalam setahun dan
The Risk Management Committee holds regular meetings
at least 10 (ten) times a year and Adhoc meetings outside
rapat Adhoc di luar rapat berkala. Rapat komite dihadiri the regular meetings. Committee meetings are attended
oleh seluruh anggota tetap dan anggota tidak tetap. by all permanent and non-permanent members.
Ikhtisar Kinerja
Selama tahun 2024, Komite Manajemen Risiko telah During 2024, the Risk Management Committee held
2024 menyelengarakan rapat secara berkala sebanyak 11 (eleven) regular meetings and all the results of
11 (sebelas) kali rapat dan seluruh hasil rapat yang the meetings held have reached a joint decision by
Laporan dilaksanakan telah mencapai keputusan bersama secara deliberation and consensus and are declared valid
musyawarah dan mufakat serta dinyatakan sah dan and all the results of the Risk Management Committee
Manajemen
seluruh hasil rapat Komite Manajemen Risiko dituangkan meetings are stated in the minutes of meetings and have
didalam risalah rapat dan telah didokumentasikan been well documented.
Profil dengan baik.
Perusahaan Komite Pemantau Risiko
Risk Monitoring Committee
Analisis dan Komite Pemantau Tugas dan tanggung jawab Komite Pemantau Risiko: Duties and responsibilities of the Risk Monitoring
Pembahasan Risiko merupakan • Evaluasi tentang kesesuaian antara kebijakan Commitee:
Manajemen komite yang dibentuk manajemen risiko dengan pelaksanaan kebijakan • Evaluation of the conformity between risk management
untuk menjalankan Bank; policies and the implementation of the Bank›s policies;
fungsi pengawasan • Pemantauan dan evaluasi pelaksanaan tugas Komite • Monitoring and evaluating the implementation of
Tinjauan manajemen risiko pada Manajemen Risiko dan Satuan Kerja Manajemen duties of the Risk Management Committee and the Risk
Pendukung tingkat Komisaris Bank Risiko guna memberikan rekomendasi kepada Dewan Management Work Unit to provide recommendations
Bisnis dan Komisaris Pihak Komisaris. to the Board of Commissioners.
Independen yang
bertanggung Jawab Keanggotaan Komite Pemantau Risiko Risk Monitoring Committee Membership
kepada Dewan Komisaris Keanggotaan Komite Pemantau Risiko PT. Bank Sinarmas The Membership of the Risk Monitoring Committee of PT.
TATA KELOLA
dalam hal pengawasan Tbk. terdiri dari: Bank Sinarmas Tbk., consists of:
PERUSAHAAN dan pemantauan 1. 1 (one) Independent Commissioner;
1. 1 (satu) orang Komisaris Independen;
penerapan manajemen 2. 1 (satu) orang Pihak Independen yang memiliki 2. 1 (one) Independent Party who has expertise in risk
risiko yang efektif. management; and
Laporan keahlian bidang manajemen risiko; dan
The Risk Monitoring
Keberlanjutan Committee is a 3. 1 (satu) orang dari Pihak Independen yang memiliki 3. 1 (one) person from the Independent Party who has
committee formed in keahlian : expertise in:
order to carry out risk 1) Bidang keuangan, bagi Bank yang melaksanakan 1) Financial sector, for Banks conducting business
management supervisory kegiatan usaha secara konvensional; atau conventionally; or
functions at the Board 2) Bidang perbankan syariah, bagi Bank yang 2) Sharia banking sector, for Banks conducting
of Commissioners melaksanakan kegiatan usaha secara syariah dan sharia business activities and Banks conducting
and Independent Bank yang melaksanakan kegiatan usaha secara conventional business activities that have Sharia
Commissioners levels konvensional yang memiliki UUS. Business Unit (UUS).
responsible to the Board
of Commissioners in Keputusan Komite Pemantau Risiko Risk Monitoring Committee Decision
term of supervision and 1. Keputusan rapat komite terlebih dahulu dilakukan 1. Decisions at committee meetings are first made based
monitoring of effective on deliberation for consensus.
berdasarkan musyawarah untuk mufakat.
risk management 2. If there is no deliberation for consensus, the decision
implementation. 2. Dalam hal tidak terjadi musyawarah untuk mufakat,
pengambilan keputusan dilakukan berdasarkan suara is made based on a majority vote.
terbanyak.
3. Hasil rapat komite wajib dituangkan dalam risalah 3. The results of committee meetings shall be outlined
rapat dan didokumentasikan sesuai dengan ketentuan in the minutes of meetings and documented
peraturan perundang-undangan. in accordance with the provisions of laws and
regulations.
4. Perbedaan pendapat yang terjadi dalam rapat komite 4. Differences of opinion that occur in committee
wajib dicantumkan secara jelas dalam risalah rapat meetings must be clearly stated in the minutes of the
beserta alasan perbedaan pendapat. meeting, along with the reasons for the differences of
opinion.
Rapat Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko mengadakan rapat secara The Risk Monitoring Committee holds regular meetings
berkala minimal 12 (dua belas) kali dalam setahun yang at least 12 (twelve) times a year attended by all members.
dihadiri oleh seluruh anggota. Selama Tahun 2024, During 2024, the Risk Monitoring Committee held 12
Komite Pemantau Risiko telah menyelengarakan rapat (twelve) regular meetings.
secara berkala sebanyak 12 (dua belas) kali rapat.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 439
Wewenang dan Tanggung Jawab
Organ
Authority and Responsibility
Realisasi Rencana Kerja Komite Pemantau Risiko 2024. Implementation of Risk Monitoring Committee Work
Plan in 2024
1. Memberikan rekomendasi kepada Dewan Komisaris 1. Provided recommendations to the Board of
dalam rangka: Commissioners in the context of:
1) Meningkatkan efektivitas pelaksanaan tugas dan 1) Enhancing the effectiveness of the implementation
tanggung jawab di bidang manajemen risiko, dan of duties and responsibilities in the field of risk
management, and
2) Melakukan pemantauan dan evaluasi pelaksanaan 2) Monitoring and evaluating the implementation of
tugas Komite Manajemen Risiko dan Satuan Kerja duties of the Risk Management Committee and Risk
Manajemen Risiko, diantaranya: Management Work Unit, among others:
a. Mengevaluasi kesesuaian antara kebijakan a. Evaluated the suitability between the Risk
Manajemen Risiko dengan pelaksanaan Management policy and the implementation
kebijakan Bank disesuaikan dengan tujuan, of the Bank›s policy in accordance with the
kebijakan usaha, ukuran dan kompleksitas objectives, business policy, size and complexity
usaha serta kemampuan Bank, antara lain of the business, as well as the Bank›s capability,
melalui monitoring pelaksanaan risk appetite & among others, through monitoring the
risk tolerance Bank. implementation of the Bank›s risk appetite & risk
tolerance.
b. Mengevaluasi dan memantau strategi agar selalu b. Evaluated and monitored the strategy to always
mampu mempertahankan peringkat Tingkat
Kesehatan Bank (Profil Risiko, Good Corporate
be able to maintain the Bank›s Soundness
Level rating (Risk Profile, Good Corporate 437
Governance, Rentabilitas dan Permodalan) pada Governance, Profitability, and Capital) at rating
peringkat 2 (dua) atau SEHAT – Individu (Bank 2 (two) or HEALTHY - Individual (Bank Sinarmas
Sinarmas Konvensional) & Konsolidasi dengan Conventional) & Consolidated with Bank Nano 2024
Bank Nano Syariah. Syariah. Performance
c. Memantau posisi/eksposur risiko secara c. Monitored the overall risk position/exposure, as Highlights
keseluruhan, maupun per risiko termasuk well as per risk, including monitoring compliance
pemantauan kepatuhan terhadap toleransi with the risk appetite and risk tolerance -
risiko dan limit yang ditetapkan (risk appetite Individual (Conventional Bank Sinarmas) & Management
& risk tolerance) – Individu (Bank Sinarmas Consolidated with Bank Nano Syariah. Report
Konvensional) & Konsolidasi dengan Bank Nano
Syariah.
d. Melakukan pengawasan terhadap proses d. Supervised the risk mitigation process (action Company
mitigasi risiko (action plan) secara aktif plan) actively carried out by the risk-taking unit, Profile
yang dilakukan oleh risk taking unit, sistem and internal control system and supervised the
pengendalian internal, serta pengawasan development of a risk-aware culture in all work
terhadap pengembangan budaya sadar risiko units of the Bank. Management
pada seluruh unit kerja Bank. Discussion and
e. Monitoring dan/atau mendapatkan informasi e. Monitored and/or obtained information Analysis
mengenai skenario dan hasil Stress Testing Bank regarding the scenario and results of the Bank›s
2024. Stress Testing 2024.
f. Melakukan pengawasan dan/atau pemantauan f. Supervised and/or monitored the provisions and
terkait Ketentuan dan Uji Coba Contigency trials of the Contingency Funding Plan and the Business
Funding Plan dan Pinjaman Likuiditas Jangka Bank Indonesia Short-Term Liquidity Loan (PLJP). Support
Pendek (PLJP) Bank Indonesia). Overview
2. Rencana Bisnis Bank. 2. Bank Business Plan.
Mengevaluasi dan memantau realisasi Rencana Bisnis Evaluated and monitored the realization of the Bank›s
Bank 2024 – 2026. Business Plan 2024 - 2026. CORPORATE
3. Strategi Anti Fraud. 3. Anti-Fraud Strategy. GOVERNANCE
Pemantauan dan evaluasi penerapan strategi anti Monitoring and evaluating the implementation of the
fraud. anti-fraud strategy.
Risk Taking Unit Sustainability
Report
Risk Taking Unit adalah Risk Taking Unit bertanggung jawab atas masing-masing The Risk Taking Unit is responsible for each risk in every
satuan kerja operasional risiko pada setiap aktivitas bisnis baik oleh Satuan kerja business activity, both by business units and operational
yang mengambil dan bisnis maupun oleh satuan kerja operasional. units.
melaksanakan keputusan
atas risiko yang antara
lain meliputi namun tidak
terbatas pada kegiatan
perkreditan, treasury,
sistem informasi, dan
akunting termasuk kantor
operasional.
The Risk-Taking Unit
is an operational unit
that takes and executes
decisions regarding risks,
including but not limited to
lending activities, treasury
operations, information
systems, accounting, and
operational offices.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 440
Wewenang dan Tanggung Jawab
Organ
Authority and Responsibility
Pengendalian Internal
Internal Control
Sistem Pengendalian Berdasarkan Peraturan Otoritas Jasa Keuangan No. 1/ Based on Financial Services Authority Regulation No. 1/
Internal Bank didukung POJK.03/2019 tentang Penerapan Fungsi Audit Intern POJK.03/2019 concerning the Implementation of the
oleh fungsi pengawasan Pada Bank Umum, SKAI mempunyai wewenang paling Internal Audit Function at Commercial Banks, the Internal
dari Satuan Kerja Audit sedikit: Audit Work Unit (IAU) has the authority to at least:
Internal (SKAI) serta • Mengakses seluruh informasi yang relevan tentang • Accessing all relevant information about the Bank
pengawasan dari Satuan Bank terkait dengan tugas dan fungsi SKAI; related to the duties and functions of IAU;
Kerja Kepatuhan (SKK). • Melakukan komunikasi secara langsung dengan • Communicating directly with the Board of Directors,
The Bank’s Internal Direksi, Dewan Komisaris, dan Komite Audit, serta Board of Commissioners, and Audit Committee, as well
Control System is Dewan Pengawas Syariah bagi bank umum syariah as the Sharia Supervisory Board for sharia commercial
supported by supervisory dan bank umum konvensional yang memiliki unit banks and conventional commercial banks that have
function of the Internal usaha syariah; Sharia business units;
Audit Work Unit (IAU) and • Menyelenggarakan rapat secara berkala dan • Organizing regular and incidental meetings with the
the Compliance Work Unit insidental dengan Direksi, Dewan Komisaris, dan Board of Directors, the Board of Commissioners, and
(SKK). Komite Audit, serta Dewan Pengawas Syariah bagi the Audit Committee, as well as the Sharia Supervisory
Bank Umum Syariah dan Bank Umum Konvensional Board for sharia commercial banks and conventional
yang memiliki Unit Usaha Syariah; commercial banks that have Sharia business units;
• Melakukan koordinasi kegiatan dengan auditor • Coordinating activities with external auditors; and
eksternal; dan
438 • Mengikuti rapat yang bersifat strategis.
Tugas pokok SKAI paling sedikit:
• Attending strategic meetings.
The main duties of IAU at least:
• Membantu tugas direktur utama dan Dewan Komisaris • Assisting the president director and the Board
Ikhtisar Kinerja dalam melakukan pengawasan dengan cara of Commissioners in carrying out supervision
2024 menjabarkan secara operasional baik perencanaan, by operationally elaborating the planning,
pelaksanaan, maupun pemantauan hasil audit; implementation, and monitoring of audit results;
• Membuat analisis dan penilaian di bidang keuangan, • Preparing analysis and assessment related to finance,
Laporan akuntansi, operasional, dan kegiatan lain melalui accounting, operations, and other activities through
Manajemen audit; audits;
• Mengidentifikasi segala kemungkinan untuk • Identifying all possibilities to improve and increase the
memperbaiki dan meningkatkan efisiensi penggunaan efficiency of the use of resources and funds; and
Profil sumber daya dan dana; dan • Providing improvement advice and objective
• Memberikan saran perbaikan dan informasi yang information about the activities examined at all levels
Perusahaan
objektif tentang kegiatan yang diperiksa pada of management.
tingkatan manajemen.
Analisis dan
Di samping itu, berdasarkan Peraturan Otoritas Jasa In addition, based on Financial Services Authority
Pembahasan Keuangan No. 46/POJK.03/2017 tentang Pelaksanaan Regulation No. 46/POJK.03/2017 concerning the
Manajemen Fungsi Kepatuhan Bank Umum, tugas dan tanggung implementation of Compliance Function for Commercial
jawab SKK paling sedikit: Banks, duties and responsibilities of the Compliance
• Membuat langkah untuk mendukung terciptanya Work Unit (SKK) at least:
Tinjauan Budaya Kepatuhan pada seluruh kegiatan usaha Bank • Preparing actions to support the establishment of a
Pendukung pada setiap jenjang organisasi; Compliance Culture in all Bank business operations at
Bisnis • Melakukan identifikasi, pengukuran, pemantauan, all organizational levels;
dan pengendalian terhadap Risiko Kepatuhan dengan • Identifying, measuring, monitoring, and controlling
mengacu pada ketentuan Otoritas Jasa Keuangan Compliance Risk refers to the provisions of the
TATA KELOLA yang mengatur mengenai penerapan manajemen Financial Services Authority, which regulate the
PERUSAHAAN risiko bagi Bank Umum dan ketentuan Otoritas Jasa implementation of risk management for commercial
Keuangan yang mengatur mengenai penerapan banks, and the provisions of the Financial Services
manajemen risiko bagi Bank Umum Syariah dan Unit Authority, which regulate the implementation of risk
Laporan Usaha Syariah; management for Sharia commercial banks and sharia
• Menilai dan mengevaluasi efektivitas, kecukupan, business units;
Keberlanjutan dan kesesuaian kebijakan, ketentuan, sistem maupun • Assessing and evaluating the effectiveness, adequacy,
prosedur yang dimiliki oleh Bank dengan ketentuan and conformity of policies, provisions, systems, and
peraturan perundang-undangan; procedures of the Bank with laws and regulations;
• Melakukan kaji ulang dan/atau merekomendasikan • Reviewing and/or recommending an update and
pengkinian dan penyempurnaan kebijakan, ketentuan, improvement of the policies, provisions, systems,
sistem maupun prosedur yang dimiliki oleh Bank agar and procedures of the Bank to comply with laws
ketentuan peraturan perundang-undangan, termasuk and regulations, including sharia principles for sharia
prinsip syariah bagi Bank Umum Syariah dan Unit commercial banks and sharia business units;
Usaha Syariah; • Attempting to ensure that the policies, provisions,
• Melakukan upaya untuk memastikan bahwa kebijakan, systems, and procedures, as well as the Bank’s
ketentuan, sistem dan prosedur, serta kegiatan usaha business activities, are in accordance with the
Bank telah sesuai dengan ketentuan Otoritas Jasa provisions of the Financial Services Authority and laws
Keuangan dan ketentuan peraturan perundang- and regulations; and
undangan; dan • Performing other duties related to the Compliance
• Melakukan tugas lain yang terkait dengan Fungsi Function.
Kepatuhan.
Konglomerasi Keuangan Terintegrasi Sinarmas Sinarmas Integrated Financial Conglomeration
Bank, sesuai dengan Surat Otoritas Jasa Keuangan No. The Bank, in accordance with Financial Services Authority
S-95/PB.33/2015 tanggal 1 Oktober 2015 tentang Penetapan Letter No. S-95/PB.33/2015 dated October 1, 2015, on the
PT. Bank Sinarmas Tbk. yang ditunjuk sebagai Entitas Utama Designation of PT. Bank Sinarmas Tbk. appointed as the
Grup Sinarmas dari Konglomerasi Keuangan Sinarmas yang Main Entity of Sinarmas Group, is appointed as the Main
menjalani fungsi dalam menerapkan manajemen risiko Entity of Sinarmas Financial Conglomeration, which functions
terintegrasi yang efektif dengan struktur organisasi sebagai to implement effective integrated risk management with the
berikut. following organizational structure.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 441
Struktur Organisasi Manajemen Risiko Organizational Structure of Sinarmas Integrated
Terintegrasi Sinarmas Risk Management
Komisaris Utama Entitas Utama
President Commissioner Main Entity
PT. Bank Sinarmas Tbk.
Direktur Utama Entitas Utama
President Director Main Entity
PT. Bank Sinarmas Tbk.
Komite Manajemen Risiko Terintegrasi
Integrated Risk Management Committee
Direktur yang membawahi Fungsi Manajemen Risiko Konglomerasi Keuangan Sinarmas
Terintegrasi untuk Melaksanakan Penerapan Manajemen Sinarmas Financial Conglomerate
Risiko Terintegrasi
Director in charge of Integrated Risk Management Function
to Implement Integrated Risk Management Implementation
PT. Bank Sinarmas Tbk.
Satuan Kerja Manajemen Risiko Terintegrasi
Integrated Risk Management Working Unit
PT. Bank Sinarmas Tbk.
(Entitas Utama | Main Entity)
439
2024
PIC SKMRT PIC SKMRT PIC SKMRT PIC SKMRT PIC SKMRT PIC SKMRT PIC SKMRT Performance
PIC SKMRT PIC SKMRT PIC SKMRT PIC SKMRT PIC SKMRT PIC SKMRT
PT. Bank PT Asuransi PT Reasuransi Sinarmas Sinarmas Liife PT Sinarmas PT AB
PT Bank Nano PT Asuransi PT Asuransi PT Asuransi Simas Nusantara Insurance Insurance PT Sinarmas Asset Sinarmas PT Sinarmas Highlights
Sinarmas Sinarmas Simas Jiwa Sumit Oto Sekuritas Multifinance
Syariah Insurtech Makmur S.A. S.A. Management Multifinance
Keterangan | Description:
: Garis Koordinasi dengan PIC | Coordination Line with PIC Management
Report
Organ Struktur Manajemen Risiko Terintegrasi Sinarmas
Company
Structure Organ of the Integrated Risk Management of Sinarmas
Profile
Tugas dan Tanggung Jawab
Organ
Duties and Responsibilities
Satuan Kerja Manajemen Risiko Terintegrasi Management
Integrated Risk Management Work Unit Discussion and
Merupakan Satuan • Memberikan masukan kepada Direksi Entitas Utama • Providing input to the Board of Directors of the Main Analysis
Kerja Manajemen Risiko antara lain dalam penyusunan kebijakan Manajemen Entity, including in the formulation of Integrated Risk
Terintegrasi yang dibentuk Risiko Terintegrasi; Management policies;
sesuai dengan karakteristik • Memantau pelaksanaan kebijakan Manajemen Risiko • Monitoring the implementation of Integrated Business
dan kompleksitas risiko Terintegrasi termasuk mengembangkan prosedur dan Risk Management policies, including developing
Konglomerasi keuangan alat untuk identifikasi, pengukuran, pemantauan, dan procedures and tools for risk identification, Support
yang berada di bawah pengendalian Risiko; measurement, monitoring, and control; Overview
Entitas Utama. • Melakukan pemantauan risiko pada Konglomerasi • Conducting risk monitoring in the Financial
An Integrated Risk Keuangan berdasarkan hasil penilaian: Conglomeration based on assessment results:
Management Work Unit • Profil Risiko setiap LJK dalam Konglomerasi Keuangan; • Risk Profile of each Financial Services Institution in the CORPORATE
established in accordance - Tingkat Risiko masing-masing risiko secara Financial Conglomeration;
with the characteristics terintegrasi; - The risk level of each risk in an integrated manner; GOVERNANCE
and complexity of the - Profil Risiko secara terintegrasi; - The integrated risk profile;
risks of the financial • Melakukan stress testing secara berkala; • Conducting periodic stress testing;
conglomeration under the • Melakukan pemantauan kecukupan pemenuhan • Conducting regular monitoring of integrated Sustainability
Main Entity. modal minimum terintegrasi secara berkala; compliance with minimum capital adequacy; Report
• Melaksanakan kaji ulang secara berkala untuk • Conducting periodic reviews to ensure:
memastikan:
- Keakuratan metodologi penilaian risiko; - The accuracy of the risk assessment methodology;
- Kecukupan implementasi sistem informasi - The adequacy of management information system
manajemen; implementation;
- Ketepatan kebijakan, prosedur, dan penetapan limit - The accuracy of policies, procedures, and risk limit
risiko secara terintegrasi; setting in an integrated manner;
• Mengkaji usulan lini bisnis baru yang bersifat strategis • Reviewing proposals for new strategic business lines
dan berpengaruh signifikan terhadap eksposur Risiko that significantly impact the exposure of the Financial
Konglomerasi Keuangan; Conglomeration›s Risks;
• Memberikan informasi kepada Komite Manajemen • Providing information to the Integrated Risk
Risiko Terintegrasi terhadap hal-hal yang perlu Management Committee on matters requiring follow-up
ditindaklanjuti terkait hasil evaluasi terhadap related to the evaluation results of the implementation
penerapan Manajemen Risiko Terintegrasi; of Integrated Risk Management;
• Memberikan masukan kepada Komite Manajemen • Providing input to the Integrated Risk Management
Risiko Terintegrasi, dalam rangka penyusunan Committee in the formulation and improvement of
dan penyempurnaan kebijakan Manajemen Risiko Integrated Risk Management policies; and
Terintegrasi; dan
• Menyusun dan menyampaikan laporan Profil Risiko • Compiling and presenting Integrated Risk Profile
Terintegrasi secara berkala kepada Direktur dari reports periodically to the Director of the Main Entity
Entitas Utama yang membawahkan Fungsi Manajemen in charge of the Integrated Risk Management Function
Risiko Terintegrasi dan kepada Komite Manajemen and to the Integrated Risk Management Committee.
Risiko Terintegrasi.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 442
Tugas dan Tanggung Jawab
Organ
Duties and Responsibilities
Satuan Kerja Manajemen Risiko Lembaga Jasa Keuangan Non-Bank (LJKNB)
Risk Management Work Unit for Non-Bank Financial Services Institutions (LJKNB)
Merupakan Satuan • Mengidentifikasi risiko, termasuk risiko yang melekat • Identifying risks, including those inherent in the
Kerja Manajemen Risiko pada kegiatan usaha LJKNB; business activities of Non-Bank Financial Services
yang terdapat dalam Institutions (LJKNB);
Lembaga Jasa Keuangan • Menyusun metode pengukuran risiko; • Developing risk measurement methods;
yang tergabung pada • Memantau pelaksanaan strategi manajemen risiko • Monitoring the implementation of the Risk Management
Konglomerasi Keuangan yang telah disusun oleh Direksi; strategy that has been prepared by the Board of
Sinar Mas. Directors;
A Risk Management Work • Memantau posisi risiko secara keseluruhan, per • Monitoring the overall risk position, per type of risk, and
Unit within a Financial jenis risiko, dan per jenis aktivitas fungsional, serta type of functional activity, as well as conducting tests
Services Institution that is melakukan pengujian dengan menggunakan skenario/ using scenarios/assumptions of abnormal conditions
part of Sinar Mas Financial asumsi kondisi tidak normal dan pengujian dengan and testing using historical data;
Conglomeration. menggunakan data historis;
• Mengkaji ulang secara berkala terhadap proses • Periodically reviewing the Risk Management process;
manajemen risiko;
• Mengkaji usulan pengembangan atau perluasan • Reviewing the proposed development or expansion of
kegiatan usaha; business activities;
• Mengevaluasi terhadap akurasi model dan validitas • Evaluating the accuracy of the model and the validity of
data yang digunakan untuk mengukur risiko, bagi the data used to measure risk for LJKNB that use the
LJKNB yang menggunakan model untuk keperluan model for internal purposes;
440 internal;
• Memberikan rekomendasi kepada fungsi bisnis dan • Providing recommendations on business and
operasional dan/atau kepada Komite Manajemen operational functions and/or to the Risk Management
Risiko, sesuai kewenangan yang dimiliki; dan Committee, according to their authority; and
Ikhtisar Kinerja • Menyusun dan menyampaikan Laporan Tingkat • Preparing and submitting risk profile reports to the
2024 Kesehatan kepada Direktur Utama atau yang setara, President Director or equivalent, or members of the
atau anggota Direksi yang membawahkan Fungsi Board of Directors in charge of the risk management
Manajemen Risiko dan Komite Manajemen Risiko function and the Risk Management Committee
Laporan secara berkala. regularly.
Manajemen
Komite Manajemen Risiko Terintegrasi
Integrated Risk Management Committee
Profil Komite Manajemen Risiko Komite Manajemen Risiko Terintegrasi memiliki tugas dan The Integrated Risk Management Committee has duties
Perusahaan Terintegrasi merupakan tanggung jawab, yaitu memberikan rekomendasi kepada and responsibilities, namely to provide reccomendations
komite yang dibentuk Direksi Entitas Utama berupa: to the Board of Director of the Main Entity in the form of:
dengan tujuan menjalankan 1. Penyusunan dan perbaikan Kebijakan Manajemen 1. Preparation and improvement of Integrated Risk
Analisis dan fungsi manajemen risiko Risiko Terintegrasi berupa penyempurnaan strategi dan Management Policy in the form of refinement of
Pembahasan terintegrasi dengan kerangka Risiko berdasarkan hasil evaluasi pelaksanaan strategy and risk framework based on the results of
Manajemen merekomendasikan termasuk tingkat risiko yang diambil serta toleransi risiko implementation evaluation, including the level of risk
kerangka atau kebijakan yang dapat di terima. taken and acceptable risk tolerance.
yang terintegrasi untuk
2. Merekomendasikan Laporan yang dipantau seperti Profil 2. Recommending monitored Reports such as Financial
Tinjauan mengidentifikasi,
mengukur, memantau, Risiko Konglomerasi Keuangan, Laporan Kewajiban Conglomerate Risk Profile, Financial Conglomerate
Pendukung mengelola, dan Penyediaan Modal Minimun Terintegrasi Konglomerasi Integrated Capital Adequacy Report, Intergroup
Bisnis mengendalikan seluruh Keuangan, Laporan Transaksi Intragrup dan Laporan Transaction Report, and Stress Test Report, which must
faktor risiko. Stress Test yang wajib disampaikan secara berkala be submitted periodically to the regulator.
The Integrated Risk kepada regulator.
TATA KELOLA Management Committee is
PERUSAHAAN a committee formed aiming Keanggotaan Komite Manajemen Risiko Terintegrasi. Integrated Risk Management Committee Membership
to carry out integrated risk a. Ketua (merangkap anggota tetap) yaitu Direktur a. Chairman (also serving as a permanent member),
management functions Entitas Utama yang Membawahi Manajemen Risiko namely the Director of the Main Entity in Charge of
Laporan by recommending an integrated risk management;
Terintegrasi.
Keberlanjutan integrated framework or b. Secretary (also serving as a permanent member),
b. Sekretaris (merangkap anggota tetap) yaitu Risk
policy to identify, measure, namely the Risk Management Group Head;
monitor, manage, and Management Group Head.
c. Permanent Members, consisting of the President
control all risk factors. c. Anggota Tetap terdiri dari Direktur Utama Entitas
Director of the Main Entity and all Directors of Financial
Utama dan Seluruh Direktur Lembaga Jasa Keuangan Services Institutions of the Sinar Mas Financial
Konglomerasi Keuangan Sinar Mas yang membawahi Conglomeration in Charge of Risk Management
Fungsi Manajemen Risiko dan/atau Direktur yang Functions and/or Directors appointed by Financial
ditunjuk oleh Lembaga Jasa Keuangan. Services Institutions; and
d. Anggota Tidak Tetap terdiri dari Compliance Group d. Non-permanent Members, consisting of the
Head Entitas Utama, Internal Audit Group Head Entitas Compliance Group Head of the Main Entity, the
Utama, dan Satuan Kerja yang melaksanakan fungsi Internal Audit Group Head of the Main Entity, and
Manajemen Risiko pada masing-masing Lembaga Jasa Units carrying out Risk Management functions in each
Keuangan Konglomerasi Keuangan Sinar Mas. Financial Services Institution of the Sinar Mas Financial
Conglomeration.
Keputusan Komite Manajemen Risiko Terintegrasi. Integrated Risk Management Committee Decision
1. Keputusan Rapat Komite Manajemen Risiko Terintegrasi 1. Decisions of the Integrated Risk Management
dilakukan dengan tujuan untuk mencapai musyawarah Committee Meeting were made to achieve deliberation
dan mufakat. and consensus.
2. Pengambilan keputusan dilakukan berdasarkan 2. Decision-making is based on voting and is valid
pemungutan suara dan dinyatakan sah apabila if approved by more than 50% of the permanent
disetujui oleh lebih dari 50% anggota tetap yang hadir. members present.
3. Selain dilakukan rapat, keputusan dapat dilakukan 3. In addition to meetings, decisions may be made
melalui sirkulasi dan/ atau email, dan through circulation and/or email, and
4. Rapat dapat dinyatakan sah/quorum apabila disetujui 4. Meetings can be declared valid/quorum if approved
oleh lebih dari 50% jumlah anggota termasuk Ketua by more than 50% of the total members, including the
komite manajemen risiko dan/atau Sekretaris Komite. Chairman of the risk management committee and/or
the Secretary of the Committee.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 443
Tugas dan Tanggung Jawab
Organ
Duties and Responsibilities
Realisasi Rencana Kerja Komite Manajemen Risiko Implementation of Integrated Risk Management
Terintegrasi 2024. Committee Work Plan in 2024
1. Monitoring Penyempurnaan Manajemen Risiko 1. Monitoring of Integrated Risk Management
Terintegrasi Tahun 2023 yang telah dan/atau akan Enhancements in 2023 that have been and/or will be
dilakukan di tahun 2024. carried out in 2024.
2. Monitoring rencana pertumbuhan kredit dan 2. Monitoring of credit and financing growth plans during
pembiayaan selama tahun 2024. 2024.
3. Monitoring perbaikan kualitas kredit Lembaga Jasa 3. Monitoring of credit quality improvement of Bank
Keuangan Bank dan pembiayaan. Financial Services Institutions and financing.
4. Monitoring konsentrasi investasi pada pihak terafiliasi, 4. Monitoring the concentration of investments in
BUMN dan perusahaan yang memiliki kinerja negatif affiliated parties, SOEs, and companies that have
dan dampak kinerja surat berharga/investasi yang negative performance and the impact of the
dimiliki oleh Konglomerasi Keuangan terhadap performance of securities/investments held by the
rentabilitas. Financial Conglomerate on profitability.
5. Monitoring Batas Maksimum Pemberian Pembiayaan 5. Monitoring of Maximum Financing Limit (BMPP),
(BMPP), Batas Maksimum Pemberian Kredit (BMPK), Maximum Lending Limit (BMPK), Maximum Provision
Batas Maksimum Penyediaan Dana (BMPD) dan Batas of Funds Limit (BMPD), and Maximum Investment Limit
Maksimum Investasi (BMI). (BMI).
6. Monitoring Sinergi Bisnis Anggota Konglomerasi 6. Monitoring of Business Synergy of Sinar Mas Financial
Keuangan Sinar Mas. Conglomerate Members.
7. Monitoring Perubahan berupa Penambahan dan
pengurangan anggota Konglomerasi Keuangan.
7. Monitoring Changes in the form of Addition and
Subtraction of Financial Conglomeration members.
441
8. Merekomendasikan Metodologi Pengukuran Penilaian 8. Recommending the Measurement Methodology for the
Laporan Tingkat Kesehatan Terintegrasi Konglomerasi Assessment of the Sinar Mas Financial Conglomerate 2024
Keuangan Sinar Mas baik dari penilaian per bidang Integrated Soundness Level Report both from the Performance
usaha maupun per jenis risiko untuk digunakan di assessment per line of business and per type of risk to Highlights
tahun 2024. be used in 2024.
9. Monitoring Simulasi Laporan Tingkat Kesehatan 9. Monitoring the Simulation of Integrated Soundness
Terintegrasi Konglomerasi Keuangan Sinar Mas tahun Level Report of Sinar Mas Financial Conglomerate in
Management
2023. 2023.
10. Merekomendasikan metodologi dan parameter Risk 10. Recommending the methodology and parameters Report
Appetite dan/atau Risk Tolerance Konglomerasi of Risk Appetite and/or Risk Tolerance of Sinar Mas
Keuangan Sinar Mas tahun 2024. Financial Conglomeration in 2024.
11. Mengetahui dan merekomendasikan Rencana Kerja 11. Reviewing and recommending the 2023 Integrated Company
Satuan Kerja Manajemen Risiko Terintegrasi 2023. Risk Management Work Unit Work Plan. Profile
12. Merekomendasikan Kaji Ulang untuk Parameter, 12. Recommending Review for Parameters, Risk Range,
Rentang Risiko, Bobot Risiko Laporan Profil Risiko and Risk Weight of Integrated Risk Profile Report in
Terintegrasi Tahun 2024. 2024. Management
13. Monitoring performance Konglomerasi Keuangan 13. Monitoring the performance of Sinar Mas Financial Discussion and
Sinar Mas Semester II – 2023 dan Semester I – Conglomeration Semester II - 2023 and Semester I -
Analysis
2024 diantaranya total aset, modal, dan laba serta 2024, including total assets, capital, and profit as well
penghargaan yang diterima. as awards received.
14. Merekomendasikan Laporan Profil Risiko Terintegrasi 14. Recommending the Integrated Risk Profile Report for
Posisi Semester II – 2023 dan Semester I – 2024. Semester II - 2023 and Semester I - 2024. Business
15. Merekomendasikan Laporan Kewajiban Penyediaan 15. Recommending the Integrated Capital Adequacy Support
Modal Minimum (KPMM) Terintegrasi Posisi Semester Report (CAR) for Semester II - 2023 and Semester I - Overview
II – 2023 dan Semester I – 2024. 2024.
16. Merekomendasikan Laporan Stress Testing Terintegrasi 16. Recommending the Integrated Stress Testing Report of
KK Sinar Mas Semester II – 2023 dan Semester I – KK Sinar Mas for Semester II - 2023 and Semester I - CORPORATE
2024 2024. GOVERNANCE
17. Monitoring Tindak Lanjut Pemantauan Dan Langkah 17. Monitoring Follow-up and Corrective Steps referring to
Perbaikan mengacu pada Surat OJK S-12/PB.11/2024 OJK Letter S-12/PB.11/2024 dated May 2, 2024.
tertanggal 02 Mei 2024.
18. Monitoring Risk Appetite dan Risk Tolerance Semester 18. Monitoring Risk Appetite and Risk Tolerance Semester Sustainability
I – 2024 dan Semester II - 2024. I - 2024 and Semester II - 2024. Report
Rapat Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee Meeting
Komite Manajemen Risiko Terintegrasi mengadakan The Integrated Risk Management Committee held regular
rapat secara berkala minimal 2 (dua) kali dalam setahun meetings at least 2 (two) times a year and Adhoc meetings
dan rapat Adhoc di luar rapat berkala yang dihadiri oleh outside the regular meetings attended by all members.
seluruh anggota.
Selama tahun 2024, Komite Manajemen Risiko Terintegrasi During 2024, the Integrated Risk Management Committee
telah menyelenggarakan rapat secara berkala sebanyak held 6 (six) regular meetings.
6 (enam) kali rapat.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 444
Tugas dan Tanggung Jawab
Organ
Duties and Responsibilities
Pengendalian Internal
Internal Control
Entitas Utama secara bertahap telah melaksanakan The Main Entity has gradually carried out a comprehensive
sistem pengendalian intern yang menyeluruh terhadap internal control system in the Implementation of Integrated
Penerapan Manajemen Risiko Terintegrasi. Risk Management.
Sistem pengendalian intern disusun agar dapat The internal control system is designed to ensure:
memastikan:
• Dipatuhinya kebijakan atau ketentuan intern serta • Compliance with internal policies or regulations and
peraturan dan perundang-undangan yang berlaku; applicable laws and regulations;
• Tersedianya informasi keuangan dan manajemen yang • Availability of complete, accurate, relevant, and timely
lengkap, akurat, tepat guna, dan tepat waktu; dan financial and management information; and
• Efektivitas Budaya Risiko (Risk Culture) pada organisasi • Effectiveness of Risk Culture throughout the Financial
Konglomerasi Keuangan secara menyeluruh. Conglomeration organization.
Pada Konglomerasi Keuangan Sinarmas juga telah At Sinarmas Financial Conglomeration, a separation of
dilakukan pemisahan satuan kerja yang melaksanakan work units has also been implemented between those
Fungsi Manajemen Risiko Terintegrasi dan yang responsible for Integrated Risk Management Functions
melaksanakan Fungsi Pengendalian Internal (Audit and those responsible for Internal Control Functions
Internal) dengan Satuan Kerja Operasional (Risk-Taking (Internal Audit) within the Operational Work Units (Risk-
Unit) pada Entitas Utama, Entitas Anak, dan perusahaan Taking Unit) in the Main Entity, Subsidiaries, and related
442 terelasi. Selain itu, pada seluruh entitas dipastikan agar
terdapat dokumentasi prosedur yang memadai, yaitu
companies. Additionally, procedural documentation is
ensured to be available across all entities, namely written,
dokumentasi yang tertulis, lengkap, dan memudahkan complete documentation that facilitates audit trails for
untuk dilakukan jejak audit (audit trail) untuk keperluan internal control purposes.
Ikhtisar Kinerja pengendalian internal.
2024
Laporan Susunan Anggota Konglomerasi Keuangan Composition of Members of Sinarmas Financial
Manajemen Sinarmas Conglomeration
Profil
Perusahaan PT Sinar Mas
Multiartha
(Holding Company)
Analisis dan
Pembahasan
Manajemen
PT Bank Sinarmas
PT Asuransi Sinar PT AB Sinar Mas PT Sinar Mas PT Sinar Mas
(Entitas Utama |
Mas Multifinace Multifinace Sekuritas
Main Entity)
Tinjauan
Pendukung
Bisnis
PT Asuransi Simas PT Reasuransi PT AsuransiSumit Sinarmas Insurance PT Asuransi Simas PT Sinarmas Asset PT Bank Nano
Jiwa Nusantara Makmur Oto SA Insurtech Management Syariah
TATA KELOLA (99,9%) (99%) (48%) (83%) (68,6%) (100%) (51%)
PERUSAHAAN
Laporan
Sinarmas Life
Keberlanjutan Insurance SA
(67%)
Konglomerasi Keuangan Sinarmas, terdiri dari 13 (tiga belas) Sinarmas Financial Conglomeration consists of 13 (thirteen)
Lembaga Jasa Keuangan (LJK) yang berada di bawah Financial Services Institutions (FSIs) under the ownership of
kepemilikan PT Sinar Mas Multiartha sebagai Holding PT Sinar Mas Multiartha as the Holding Company, namely
Company, yaitu PT. Bank Sinarmas Tbk., PT Bank Nano PT. Bank Sinarmas Tbk., PT Bank Nano Syariah, PT Asuransi
Syariah, PT Asuransi Sinar Mas, PT Asuransi Simas Jiwa, PT Sinar Mas, PT Asuransi Simas Jiwa, PT Asuransi Sumit Oto, PT
Asuransi Sumit Oto, PT Asuransi Simas Insurtech, Sinarmas Asuransi Simas Insurtech, Sinarmas Insurance SA, Sinarmas
Insurance SA, Sinarmas Life Insurance SA, PT Reasuransi Life Insurance SA, PT Reasuransi Nusantara Makmur, PT
Nusantara Makmur, PT Sinar Mas Multifinance, PT AB Sinar Sinar Mas Multifinance, PT AB Sinar Mas Multifinance, PT
Mas Multifinance, PT Sinarmas Sekuritas dan PT Sinarmas Sinarmas Sekuritas, and PT Sinarmas Asset Management.
Asset Management. Sesuai dengan keputusan Otoritas Jasa In accordance with the decision of the Financial Services
Keuangan, maka PT. Bank Sinarmas Tbk. ditunjuk sebagai Authority, PT. Bank Sinarmas Tbk. is appointed as the
Entitas Utama bagi Konglomerasi Keuangan Sinarmas yang Main Entity for the Sinarmas Financial Conglomeration,
bertanggung jawab atas penerapan Manajemen risiko which is responsible for the implementation of integrated
terintegrasi serta tata kelola terintegrasi bagi seluruh sister risk management and integrated governance for all sister
company yang masuk sebagai bagian dalam Konglomerasi companies included as part of the Sinar Mas Financial
Keuangan Sinar Mas. Conglomeration.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 445
Konglomerasi Keuangan Sinar Mas mencakup 4 bidang usaha Sinarmas Financial Conglomeration consists of four business
yaitu Bank, Pembiayaan, Asuransi (Umum, Jiwa, Reasuransi) sectors: Banking, Financing, Insurance (General, Life,
dan Perusahaan Efek (Sekuritas dan Asset Management). Reinsurance), and Securities Companies (Securities and
Keseluruhan LJK dalam konglomerasi keuangan Sinar Mas Asset Management). All Financial Services Business Actors
tersebut merupakan LJK yang sudah cukup dikenal serta (PUJK) within Sinarmas Financial Conglomeration are well-
memiliki keunggulan kompetitif di masing-masing industri. known and have competitive advantages in their respective
industries.
Sepanjang tahun 2024, beberapa LJK di dalam Konglomerasi Throughout 2024, several LJK within Sinarmas Financial
Keuangan Sinar Mas juga telah memperoleh berbagai Conglomeration also received various awards, such as:
penghargaan, seperti:
1. PT Bank Sinarmas, antara lain yaitu : 1. PT Bank Sinarmas, among others :
• The 1st Best Branch ATM Bank Umum Konvensional • The 1st Best Branch ATM of Conventional Commercial
2024; Banks 2024;
• The 2nd Live Chat Bank Umum Konvensional 2024; • The 2nd Live Chat of Conventional Commercial
• Indonesia Best Bank 2024 for Enhancing Performance
Banks 2024;
• Indonesia Best Bank 2024 for Enhancing Performance
443
Growth through Strategies Implementation; Growth through Strategies Implementation;
2024
• Smartfren Appreciation & Collaboration Day 2024: • Smartfren Appreciation & Collaboration Day 2024: Performance
Best Innovative Technology Integration; Best Innovative Technology Integration; Highlights
• Smartfren Appreciation & Collaboration Day 2024: • Smartfren Appreciation & Collaboration Day 2024:
Best Business Productivity Transformation; Best Business Productivity Transformation; Management
• Asian Technology Excellence Awards 2024 - • Asian Technology Excellence Awards 2024 - Report
Indonesia Technology Excellence Award for Indonesia Technology Excellence Award for
Automation - MSME Loan Origination System; Automation - MSME Loan Origination System; Company
• Asian Technology Excellence Awards 2024 - • Asian Technology Excellence Awards 2024 - Profile
Indonesia Technology Excellence Award for Mobile Indonesia Technology Excellence Award for Mobile
- SimobiPlus Revamp; - SimobiPlus Revamp;
Management
• The Best Indonesia Annual Report Award 2024 - • The Best Indonesia Annual Report Award 2024 - Discussion and
Platinum Award (A)(Very Excellent) (5 Stars *****); Platinum Award (A)(Very Excellent) (5 Stars *****); Analysis
• TOP 100 CEO & 200 Future Leaders Forum 2024 - • TOP 100 CEO & 200 Future Leaders Forum 2024 -
HOW GREAT LEADER CREATES MORE LEADERS. HOW GREAT LEADER CREATES MORE LEADERS. Business
Support
2. PT Bank Nano Syariah antara lain yaitu: 2. PT Bank Nano Syariah, among others: Overview
• Warta Ekonomi – Indonesia Sharia and Halal Top • Warta Ekonomi – Indonesia Sharia and Halal Top
Brand Awards 2024; Brand Awards 2024; CORPORATE
• Marketeers Editor’s Choice AWARD 2024 The Most • Marketeers Editor’s Choice AWARD 2024 The Most GOVERNANCE
Innovative Charity Platform of The Year 2024; Innovative Charity Platform of The Year 2024;
• Bank Penerima Setoran Biaya Penyelenggaraan • Recipient Bank for Hajj Pilgrimage Cost Deposit for Sustainability
Ibadah Haji 2024 – 2027; 2024 – 2027; Report
• BPKH Banking Award 2024: • BPKH Banking Award 2024:
- BPS BPIH Pendaftar Haji Terbaik 2024, Kategori - BPS BPIH Best Hajj Registrar 2024, National
Bank Nasional - BUS : Terbaik 3; Bank Category - BUS: Top 3;
- BPS BPIH Pendaftar Haji Muda Terbaik 2024, - BPS BPIH Best Young Hajj Registrar 2024,
Kategori Bank Nasional - BUS : Terbaik 3; National Bank Category - BUS: Top 3;
- BPS BPIH Kontribusi Pertumbuhan Pendaftar Haji - BPS BPIH Best Hajj Registrant Growth
Terbaik 2024. Kategori Bank Nasional - BUS : Contribution 2024. National Bank Category -
Terbaik 3; BUS: Top 3;
- Rewarding Umrah Pencapaian Terbaik Semester - Rewarding Umrah for the Best Achievement
2 (Juli s/d Nov 2024), Kategori BPS BPIH Bank of Semester 2 (July to Nov 2024), BPS BPIH
Syariah Nasional : Terbaik 3. National Islamic Bank Category: Top 3.
3. PT Sinar Mas Multifinance antara lain yaitu: 3. PT Sinar Mas Multifinance, among others:
• Digital Transformation Award; • Digital Transformation Award;
• Innovation Excellence Award; • Innovation Excellence Award;
• AI Pitch Hackathon for Innovation with Generative AI. • AI Pitch Hackathon for Innovation with Generative AI.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 446
4. PT AB Sinar Mas Multifinance antara lain yaitu: 4. PT AB Sinar Mas Multifinance, among others:
• Infobank - The Excellent Performance Multifinance • Infobank - The Excellent Performance Multifinance
Company (Asset Rp1 Trillion > Rp5 Trillion); Company (Asset Rp1 Trillion > Rp5 Trillion);
• The Finance - The Best Performing Multifinance • The Finance - The Best Performing Multifinance
2024 (Bases on Financial Performance 2021-2023, 2024 (Bases on Financial Performance 2021-2023,
Multifinance Company Category with Assets Rp1 Multifinance Company Category with Assets Rp1
Trillion Less Than Rp5 Trillion). Trillion Less Than Rp5 Trillion).
5. PT Asuransi Simas Insurtech antara lain yaitu: 5. PT Asuransi Simas Insurtech, among others:
• Media Asuransi Insurance Market Leader Awards • Media Asuransi: Insurance Market Leader Awards
2024 - General Insurance Market Leader Awards 2024 - General Insurance Market Leader Awards
2024; 2024;
• Investor trust Best Insurance 2024 - Kategori • Investor trust: Best Insurance 2024 - General
Asuransi Umum (Aset Rp1T s/d Rp2T); Insurance Category (Assets Rp1T s/d Rp2T);
• Media Asuransi 2024 Insurance Awards - Ekuitas • Media Asuransi: 2024 Insurance Awards - Equity
444 Rp500M s/d Rp1T;
• Media Asuransi Digital Financial Excellence Awards
Rp500M s/d Rp1T;
• Media Asuransi: Digital Financial Excellence Awards
Ikhtisar Kinerja
2024 - Insurtech Full Stack. 2024 - Insurtech Full Stack.
2024
6. PT Asuransi Sinar Mas antara lain yaitu: 6. PT Asuransi Sinar Mas, among others:
Laporan • The Excellent Performance General Insurance • The Excellent Performance General Insurance
Manajemen Company (Gross Premium > IDR 2,5 Trillion); Company (Gross Premium > Rp2,5 Trillion);
• 2024 Insurance Market Leaders Award; • 2024 Insurance Market Leaders Award;
Profil • Top GRC Awards 2024 #Star 5 – Trophy; • Top GRC Awards 2024 #Star 5 – Trophy;
Perusahaan
• Top GRC Awards 2024 - The Most Committed GRC • Top GRC Awards 2024 - The Most Committed GRC
Leader 2023 (Bp Howen Widjaja) – Trophy; Leader 2023 (Mr. Howen Widjaja) – Trophy;
Analisis dan
Pembahasan • Top GRC Golden Trophy 2024; • Top GRC Golden Trophy 2024;
Manajemen • The Best Sharia General Insurance 2024 (Excellent • The Best Sharia General Insurance 2024 (Excellent
Financial Performance 2023). Financial Performance 2023).
Tinjauan
Pendukung
Bisnis
7. PT Asuransi Simas Jiwa antara lain yaitu: 7. PT Asuransi Simas Jiwa, among others:
• (Indonesia Sharia and Halal Top Brand Awards dari • (Indonesia Sharia and Halal Top Brand Awards from
TATA KELOLA Warta Ekonomi) – Indonesia Best Sharia Business Warta Ekonomi) – Indonesia Best Sharia Business
PERUSAHAAN Unit of Life Insurance 2024 with Product Information Unit of Life Insurance 2024 with Product Information
Transparency and Accessibility; Transparency and Accessibility;
Laporan • (Insurance Market Leaders Award dari Media • (Insurance Market Leaders Award from Media
Keberlanjutan Asuransi) – Life Insurance Market Leaders Award; Asuransi) – Life Insurance Market Leaders Award;
• Indonesia Most Acclaimed Companies Awards • Indonesia Most Acclaimed Companies Awards
dari Warta Ekonomi – Advancing Resilience with from Warta Ekonomi – Advancing Resilience with
Continuous Innovation; Continuous Innovation;
• Best Sharia Awards dari Investortrust – Kategori Best • Best Sharia Awards from Investortrust –Best Unit Link
Unit Link Sharia Pendapatan Tetap Periode 5 Tahun Sharia Category with Fixed Income 5-Year Period –
– Simas Tasyakur Fixed Fund; Simas Tasyakur Fixed Fund;
• Indonesia CEO Excellence Award 2024 - Indonesia • Indonesia CEO Excellence Award 2024 - Indonesia
CEO Excellence 2024 for Digital Transformation and CEO Excellence 2024 for Digital Transformation and
Innovation in Enhancing Insurance Services and Innovation in Enhancing Insurance Services and
Customer Experience, Category: Life Insurance. Customer Experience, Category: Life Insurance.
8. PT Asuransi Sumit Oto antara lain yaitu: 8. PT Asuransi Sumit Oto, among others:
• Best Insurace 2024 - Asuransi Umum Aset diatas • Best Insurace 2024 - General Insurance Assets
Rp250 Miliar - Rp500 Miliar; above Rp250 Billion - Rp500 Billion;
• The Excellent Performance General Insurance • The Excellent Performance General Insurance
Company; Company;
• Media Asuransi: Insurance Award 2024 – Best • Media Asuransi: Insurance Award 2024 – Best
General Insurance; General Insurance;
• Bisnis Indonesia Financial Awards 2024 – The Best • Bisnis Indonesia Financial Awards 2024 – The Best
Performance Insurance Asuransi Umum Aset < Rp1 Performance Insurance with General Insurance
Triliun; Assets <Rp1 Trillion;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 447
• Best General Insurace 2024 – Ekuitas Rp150 Miliar – • Best General Insurace 2024 – Equity Rp150 Billion –
Rp250 Miliar; Rp250 Billion;
• The Best Performance General Insurance Company • The Best Performance General Insurance Company
– Gross Premium IDR 100 Billion to < IDR 250 Billion. – Gross Premium Rp100 Billion to < Rp250 Billion.
9. PT Reasuransi Nusantara Makmur antara lain yaitu: 9. PT Reasuransi Nusantara Makmur, among others:
• Best Reinsurance 2024; • Best Reinsurance 2024;
• Best Reinsurance Sharia Unit 2024; • Best Reinsurance Sharia Unit 2024;
• Investortrust Best Insurance 2024; • Investortrust Best Insurance 2024;
• Media Asuransi Reinsurance Market Leaders Award • Media Asuransi Reinsurance Market Leaders Award
2024; 2024;
• The Finance Award – The Best Performing • The Finance Award – The Best Performing
Reinsurance 2024. Reinsurance 2024.
10. PT Sinarmas Asset Management antara lain yaitu: 10. PT Sinarmas Asset Management, among others:
• Investortrust Best Sharia Awards 2024;
• Investment Management Awards (IMA) 2024
• Investortrust Best Sharia Awards 2024;
• Investment Management Awards (IMA) 2024
445
2024
11. PT Sinarmas Sekuritas antara lain yaitu 7 Most Popular 11. PT Sinarmas Sekuritas, among others, 7 Most Popular Performance
Brand of the Year 2024. Brand of the Year 2024. Highlights
Transaksi Intragroup Intragroup Transactions Management
Manajemen risiko transaksi intra-grup merupakan Risk management of intragroup transactions is a set of Report
serangkaian metodologi dan prosedur yang digunakan untuk methodologies and procedures used to identify, measure,
mengidentifikasi, mengukur, memantau, dan mengendalikan monitor, and control the risks of intragroup transactions Company
risiko transaksi intragrup yang timbul dari seluruh kegiatan arising from all business activities of Financial Services Profile
usaha LJK yang tergabung dalam suatu Konglomerasi Institutions (LJK) within the Financial Conglomeration.
Keuangan.
Management
Discussion and
Transaksi intragrup merupakan transaksi yang dilakukan Intra-group transactions are transactions conducted Analysis
antara suatu entitas dengan entitas lainnya secara langsung between one entity and another, directly and indirectly,
dan tidak langsung dalam satu Konglomerasi Keuangan within a Financial Conglomeration for the fulfillment of written Business
dalam rangka pemenuhan kewajiban perjanjian tertulis or unwritten agreement obligations. Reporting obligations for Support
maupun tidak tertulis. Kewajiban pelaporan transaksi intragroup transactions, both from LJK to the Main Entity and Overview
intragrup baik dari LJK kepada Entitas Utama maupun dari from the Main Entity to the Financial Services Authority, are
Entitas Utama kepada Otoritas Jasa Keuangan dilaporkan submitted quarterly with an effective format to monitor and CORPORATE
secara triwulanan dengan format yang efektif untuk evaluate risks within the Financial Conglomeration. GOVERNANCE
memantau dan mengevaluasi risiko pada Konglomerasi
Keuangan. Sustainability
Report
Ketentuan umum pelaksanaan transaksi intragrup pada General provisions for implementing intra-group transactions
Konglomerasi Keuangan Sinarmas sebagai berikut. in Sinarmas Financial Conglomeration are as follows:
1. Transaksi intragrup dilaksanakan dan disesuaikan 1. Intragroup transactions are conducted and adjusted
dengan kebutuhan dari masing-masing entitas. according to the needs of each entity.
2. Setiap transaksi intragrup yang dilaksanakan tidak 2. Every intragroup transaction conducted must comply
bertentangan dengan peraturan maupun ketentuan with applicable internal and external regulations and
internal dan eksternal yang berlaku. provisions.
3. Setiap transaksi intra grup yang dilaksanakan oleh 3. Every intragroup transaction carried out by each
masing-masing LJK harus mendapatkan persetujuan Financial Services Institution (LJK) must obtain approval
sesuai dengan kewenangan di masing-masing Entitas in accordance with the authority of each LJK entity.
LJK.
4. Transaksi intragrup dilaksanakan dengan memperhatikan 4. Intragroup transactions are conducted in accordance
prinsip kewajaran/arm’s length. with the principle of fairness/arm’s length.
5. Semua pencatatan/perjanjian kerja sama intragrup antar 5. All records/agreements of intragroup cooperation
LJK didokumentasikan dengan baik oleh masing-masing among LJKs are well documented by each LJK entity.
Entitas LJK.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 448
Profil Ketua Manajemen Risiko Terintegrasi Profile of the Chairman of Integrated Risk
Management
Direktur Compliance and Risk Management saat ini The current Compliance and Risk Management Director
adalah Ibu Amandalia Johanes. Diangkat sebagai Direktur is Ms. Amandalia Johanes. She was appointed as the
Kepatuhan PT. Bank Sinarmas Tbk. pada tanggal 23 Maret Compliance Director of PT. Bank Sinarmas Tbk on March
2018 berdasarkan Surat Keputusan Anggota Dewan 23, 2018, based on the Decision Letter of Members of the
Komisioner Otoritas Jasa Keuangan dengan No. KEP- Board of Commissioner of Financial Services Authority
47/D.09/2018 tanggal 23 Maret 2018 juga ditunjuk sebagai with No. KEP-47/D.09/2018 dated March 23, 2018. She was
menjadi Direktur yang membawahkan Fungsi Manajemen also appointed as the Director overseeing the Integrated
Risiko Terintegrasi untuk melaksanakan penerapan Risk Management Function to implement Integrated Risk
Manajemen Risiko Terintegrasi. Profil Amandalia Johanes Management. Ms. Amandalia Johanes’s profile has been
telah disampaikan dalam Profil Direksi yang terdapat pada provided in the Profile of the Board of Directors section of
Laporan Tahunan dan Keberlanjutan ini. this Annual and Sustainability Report.
Profil Kepala Satuan Kerja Manajemen Risiko Profile of the Head of Risk Management Work Unit
446
Santy Jamhari Periode dan Dasar Hukum Pengangkatan
Ikhtisar Kinerja Kepala Satuan Kerja Manajemen Risiko Term of Office and Legal Basis of
2024 Head of Risk Management Work Unit Appointment
Laporan Surat Keputusan No. 1121/2024/PRESDIR-HCPPM
Manajemen Kewarganegaraan | Citizenship
tanggal 28 November 2024
Indonesia
Decree No. 1121/2024/PRESDIR-HCPPM dated
Profil November 28, 2024
Perusahaan Domisili | Domicile
Jakarta
Analisis dan
Pembahasan Usia | Age
Manajemen 43 tahun | years old
Tinjauan
Pendukung
Bisnis
TATA KELOLA
PERUSAHAAN Riwayat Pendidikan | Educational Background Rangkap Jabatan | Concurrent Position
Sarjana Akuntansi, Universitas Tarumanagara (2004). Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau
Laporan Bachelor’s degree in Accounting, Universitas Tarumanagara (2004). lembaga lain.
Keberlanjutan Has no concurrent positions, either at banks, companies, and/or other
Riwayat Pekerjaan | Work Experience institutions.
• Business Intelligence Group Head PT. Bank Sinarmas Tbk. (2019 –
2024)
• Strategic Alignment Group Head PT. Bank Sinarmas Tbk. (2017 – Sertifikasi Profesi | Professional Certification
2019) Sertifikasi Manajemen Risiko Jenjang 6
• Customer Segmentation Group Head PT. Bank Sinarmas Tbk. (2015 Risk Management Certification Level 6
– 2017)
• Privilege Banking Portfolio Manager PT Bank UOB Indonesia (2011 –
2015) Hubungan Afiliasi | Affiliated Relationship
• Portfolio Growth and Cross Sell Manager PT Bank HSBC Indonesia Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris,
(sebelumnya The HSBC Corporation Limited, Indonesia Branch)
Direksi, dan Pemegang Saham Pengendali.
(2008 – 2011)
• Business Control Analyst PT XL Axiata Tbk (sebelumnya PT Has no affiliation with members of the Board of Commissioners, Board
Excelcomindo Pratama Tbk) (2007 – 2008) of Directors, and Controlling Shareholders.
• Senior Auditor KPMG Indonesia (2004 – 2007)
• Business Intelligence Group Head of PT. Bank Sinarmas Tbk. (2019 –
2024)
• Strategic Alignment Group Head of PT. Bank Sinarmas Tbk. (2017 –
2019)
• Customer Segmentation Group Head of PT. Bank Sinarmas Tbk.
(2015 – 2017)
• Privilege Banking Portfolio Manager of PT Bank UOB Indonesia (2011
– 2015)
• Portfolio Growth and Cross Sell Manager of PT Bank HSBC Indonesia
(previously The HSBC Corporation Limited, Indonesia Branch) (2008
– 2011)
• Business Control Analyst of PT XL Axiata Tbk (previously PT
Excelcomindo Pratama Tbk) (2007 – 2008)
• Senior Auditor of KPMG Indonesia (2004 – 2007)
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 449
Pengawasan Aktif Dewan Komisaris, Direksi, Active Monitoring of the Board of
dan Dewan Pengawas Syariah atas Penerapan Commissioners, Board Directors, and Sharia
Manajemen Risiko Supervisory Board on the Implementation of
Risk Management
Dewan Komisaris dan Direksi Bank Sinarmas memahami The Board of Commissioners and Board of Directors of Bank
risiko-risiko yang dihadapi Bank dan memberikan arahan Sinarmas understand the risks faced by the Bank and provide
yang jelas, melakukan pengawasan dan mitigasi secara clear direction, conduct active supervision, and mitigation.
aktif. Dewan Komisaris menjalankan fungsi pengawasan The Board of Commissioners performs the risk oversight
risiko (risk oversight) melalui Komite Pemantau Risiko, function through the Risk Monitoring Committee, Audit
Komite Audit, Komite Remunerasi & Nominasi dan Komite Committee, Remuneration & Nomination Committee, and
Tata Kelola Terintegrasi. Dewan Direksi menjalankan fungsi Integrated Governance Committee. The Board of Directors
kebijakan risiko (risk policy), melalui Executive Committee carries out the risk policy function, through Executive
seperti Komite Manajemen Risiko, Komite Manajemen Risiko Committees such as the Risk Management Committee,
Terintegrasi, ALCO, Komite Kebijakan Perkreditan, Komite Integrated Risk Management Committee, ALCO, Credit
Kebijakan Perkreditan, Komite Human Capital, dan Komite Policy Committee, Credit Policy Committee, Human Capital
Information Technology. Committee, and Information Technology Committee.
447
Pada Bank Nano Syariah selaku perusahaan anak, Bank At Bank Nano Syariah as a subsidiary, the Bank has a
2024
memiliki Dewan Pengawas Syariah yang bertugas melakukan Sharia Supervisory Board that is tasked with supervising Performance
supervisi atas aktivitas pada perusahaan anak. Anggota the activities of the subsidiary. Members of the Sharia Highlights
Dewan Pengawas Syariah bertindak sebagai penasihat dan Supervisory Board act as advisors and consultants to the
konsultan bagi Direksi dan perusahaan anak dalam segala Board of Directors and subsidiaries in all matters concerning Management
hal yang menyangkut aktivitas perbankan syariah. sharia banking activities. Report
Peran Dewan Komisaris dan Direksi dalam Manajemen Risiko
Company
Board of Commissioners and Board of Directors’ Role in Risk Management
Profile
Bentuk Pengawasan Aktif Dewan Komisaris
Tugas dan Tanggung Jawab Direksi
Form of Active Supervision of the Board of
Duties and Responsibilities of the Board of Directors
Commissioners
Management
Menyetujui Kebijakan Manajemen Risiko, Menyusun kebijakan, strategi, dan kerangka manajemen risiko secara tertulis dan komprehensif Discussion and
termasuk strategi dan kerangka manajemen termasuk limit risiko secara keseluruhan dan per jenis Risiko, dengan memperhatikan tingkat risiko Analysis
risiko yang ditetapkan sesuai dengan tingkat yang akan diambil (risk appetite) dan toleransi risiko (risk tolerance) sesuai kondisi Bank serta
risiko yang akan diambil (risk appetite) dan memperhitungkan dampak Risiko terhadap kecukupan permodalan. Setelah mendapat persetujuan
toleransi risiko (risk tolerance) Bank. dari Dewan Komisaris, Direksi menetapkan kebijakan, strategi, dan kerangka Manajemen Risiko.
Approve Risk Management Policies, including Formulate written and comprehensive risk management policies, strategies, and frameworks, Business
the strategies and risk management including overall risk limits and per type of risk, considering the risk appetite and the risk tolerance Support
framework established in accordance with in line with the Bank's condition and considering the impact of risks on capital adequacy. Upon Overview
the risk appetite and the risk tolerance of the approval from the Board of Commissioners, the Board of Directors establishes risk management
Bank. policies, strategies, and frameworks.
Mengevaluasi Kebijakan Manajemen Risiko Menyusun, menetapkan, dan mengkinikan prosedur dan alat untuk mengidentifikasi, mengukur, CORPORATE
dan Strategi Manajemen Risiko paling sedikit memonitor, dan mengendalikan risiko. GOVERNANCE
1 kali dalam 1 tahun atau dalam frekuensi yang Formulate and establish transaction approval mechanisms, including those exceeding limits and
lebih sering dalam hal terdapat perubahan authorities for each hierarchical level.
faktor yang memengaruhi kegiatan usaha
Bank secara signifikan. Sustainability
Evaluate Risk Management Policies and Report
Strategies at least once a year or more
frequently if there are significant changes in
factors affecting the Bank's business activities.
Mengevaluasi pertanggungjawaban Direksi Menyusun dan menetapkan mekanisme persetujuan transaksi, termasuk yang melampaui limit dan
dan memberikan arahan perbaikan atas kewenangan untuk setiap jenjang jabatan.
pelaksanaan kebijakan Manajemen Risiko Formulate and establish transaction approval mechanisms, including those exceeding limits and
secara berkala. Evaluasi dilakukan dalam authorities for each hierarchical level.
rangka memastikan bahwa Direksi mengelola
aktivitas dan Risiko Bank secara efektif.
Evaluate the accountability of the Board
of Directors and provide guidance for
improvement in the implementation of risk
management policies periodically. The
evaluation is conducted to ensure that the
Board of Directors manages the Bank's
activities and risks effectively.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 450
Bentuk Pengawasan Aktif Dewan Komisaris
Tugas dan Tanggung Jawab Direksi
Form of Active Supervision of the Board of
Duties and Responsibilities of the Board of Directors
Commissioners
Memastikan kebijakan dan proses manajemen • Mengevaluasi dan/atau mengkinikan kebijakan, strategi, dan kerangka manajemen risiko paling
risiko dilaksanakan secara efektif dan sedikit 1 kali dalam 1 tahun atau dalam frekuensi yang lebih sering dalam hal terdapat perubahan
terintegrasi dalam proses manajemen risiko faktor yang mempengaruhi kegiatan usaha Bank, eksposur Risiko, dan/atau Profil Risiko secara
secara keseluruhan. signifikan;
Ensures that the risk management’s policy • Menetapkan struktur organisasi, termasuk wewenang dan tanggung jawab yang jelas pada
and processes are effectively and integrated setiap jenjang jabatan yang terkait dengan penerapan manajemen risiko;
implemented into overall risk management • Bertanggung jawab atas pelaksanaan kebijakan, strategi, dan kerangka manajemen risiko yang
processes. telah disetujui oleh Dewan Komisaris serta mengevaluasi dan memberikan arahan berdasarkan
laporan yang disampaikan oleh Satuan Kerja Manajemen Risiko (SKMR) termasuk laporan
mengenai Profil Risiko;
• Memastikan seluruh Risiko yang material dan dampak yang ditimbulkan oleh Risiko dimaksud
telah ditindaklanjuti dan menyampaikan laporan pertanggungjawaban kepada Dewan Komisaris
secara berkala, antara lain memuat laporan perkembangan dan permasalahan terkait risiko yang
material disertai langkah-langkah perbaikan yang telah, sedang, dan akan dilakukan;
• Memastikan pelaksanaan langkah-langkah perbaikan atas permasalahan atau penyimpangan
dalam kegiatan usaha Bank yang ditemukan oleh Satuan Kerja Audit Internal (SKAI);
• Mengembangkan Budaya Manajemen Risiko termasuk kesadaran risiko pada seluruh jenjang
organisasi, meliputi komunikasi yang memadai kepada seluruh jenjang organisasi tentang
pentingnya pengendalian internal yang efektif;
• Memastikan kecukupan dukungan sumber daya untuk mengelola dan mengendalikan risiko;
448 dan
• Memastikan bahwa Fungsi Manajemen Risiko telah diterapkan secara independen yang
dicerminkan antara lain adanya pemisahan fungsi antara SKMR yang melakukan identifikasi,
pengukuran, pemantauan, dan pengendalian risiko dengan satuan kerja yang melakukan dan
Ikhtisar Kinerja menyelesaikan transaksi.
2024 • Evaluate and/or update risk management policies, strategies, and frameworks at least once
a year or more frequently due to significant changes in factors affecting the Bank›s business
activities, risk exposures, and/or risk profiles;
Laporan • Establish the organizational structure, including clear authorities and responsibilities at each
Manajemen position related to the implementation of risk management;
• Responsible for the implementation of risk management policies, strategies, and frameworks
approved by the Board of Commissioners, as well as evaluating and providing guidance based
Profil on reports submitted by the Risk Management Work Unit (SKMR), including reports on Risk
Profiles;
Perusahaan
• Ensure that all material risks and the impacts caused by such risks have been followed up on
and provide regular accountability reports to the Board of Commissioners, including progress
reports and issues related to material risks along with corrective actions that have been, are
Analisis dan
being, or will be taken;
Pembahasan • Ensure the implementation of corrective measures for issues or deviations in the Bank›s
Manajemen operations identified by the Internal Audit Work Unit (IAU);
• Develop a Risk Management Culture, including risk awareness at all levels of the organization,
including adequate communication to all organizational levels about the importance of effective
Tinjauan internal controls;
Pendukung • Ensure sufficient resource support to manage and control risks; and
Bisnis • Ensure that the Risk Management Function is applied independently, reflected among others by
the separation of functions between the Risk Management Work Unit responsible for identifying,
measuring, monitoring, and controlling risks and the operational units performing and transaction
TATA KELOLA completion.
PERUSAHAAN
Laporan Budaya Manajemen Risiko Risk Management Culture
Keberlanjutan Budaya Manajemen Risiko yang diterapkan di Bank, The Risk Management Culture implemented at the Bank is
diuraikan sebagai berikut. disclosed as follows.
1. Pemberian materi risk management sebagai salah satu 1. Provision of risk management material as part of
kurikulum didalam pelatihan/pendidikan bagi karyawan; the curriculum in the training/education program for
employees;
2. Bank Sinarmas juga telah menyertakan karyawan 2. Bank Sinarmas also sends employees to join the Risk
dalam Program Sertifikasi Manajemen Risiko serta Management Certification Program and refreshment
program refreshment sesuai dengan sertifikasi programs according to the required minimum
minimum yang diwajibkan. Diharapkan dengan adanya certification. It is expected that with this Certification
Program Sertifikasi tersebut, seluruh karyawan memiliki Program, all employees will have a better understanding
pemahaman dan kesadaran risiko yang semakin baik; and awareness of risks;
3. Melakukan sosialisasi terkait risiko operasional termasuk 3. Organize outreach activity on operational risks, including
didalamnya implementasi Risk Control Self Assesment the implementation of risk control self-assessment
(RCSA) dan Loss Event Database (LED) dalam rangka (RCSA), and loss event database (LED), and to enhance
meningkatkan risk awareness karyawan pada kantor risk awareness among employees at head office, branch
pusat, cabang, divisi bisnis dan divisi non-operasional; offices, business divisions, and non-operational divisions;
4. Pelaksanaan sosialisasi Anti Fraud melalui Aplikasi 4. Implementation of Anti-Fraud dissemination through the
SIDILAN; SIDILAN Application;
5. Penyampaian terkait risk awareness melalui media email 5. Delivery of risk awareness through email media to all
kepada seluruh karyawan seperti Materi Risk Campaign employees such as Risk Campaign Material on the
Pentingnya Implementasi SOP dalam Pengelolaan Bank; Importance of SOP Implementation in Bank Management;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 451
6. Sharing discussion terkait Kaji Ulang Parameter Profil 6. Sharing discussions related to the Review of Integrated
Risiko Terintegrasi pada Konglomerasi Keuangan Sinar Risk Profile Parameters and the Sinar Mas Financial
Mas; Conglomeration;
7. Sharing discussion terkait penerapan manajemen risiko 7. Sharing discussions related to the implementation of
terintegrasi bagi LJK; integrated risk management for Financial Services
Institutions (LJK);
8. Sosialisasi Kaji ulang Risk Appetite & Risk Tolerance 8. Socialization of Risk Appetite & Risk Tolerance Review to
kepada pemilik segmen dan unit bisnis Bank; the Bank’s segment and business unit owners;
9. Sosialisasi Penyusunan Risk Appetite & Risk Tolerance 9. Socialization of Integrated Risk Appetite & Risk Tolerance
Terintegrasi kepada LJK KK Sinar Mas; Formulation to the LJK KK Sinar Mas;
10. Sosialisasi terkait Rencana Aksi Pemulihan kepada 10. Dissemination of Recovery Action Plan to the Board of
Direksi, Komisaris, Pejabat Eksekutif. Directors, Commissioners, and Executive Officers.
11. Sosialisasi Peran Risk Management Group (RMG) Dalam 11. Socialization of the Role of Risk Management Group
Menyampaikan Risk Assessment & Monitoring. (RMG) in Delivering Risk Assessment & Monitoring.
12. Sosialisasi pengukuran Stress Testing Bank dan Stress 12. Socialization of Bank Stress Testing and Integrated
Testing Terintegrasi.
13. FGD dengan seluruh Bisnis Unit (BIU) terkait hasil
Stress Testing measurements.
13. FGD with all Business Units (BIU) related to the results
449
penilaian sendiri profil risiko sebagai salah satu of risk profile self-assessment as one of the efforts to
2024
meningkatkan awareness dalam menjalankan bisnis. increase awareness in running the business. Performance
14. FGD dengan seluruh Bisnis Unit (BIU) terkait hasil 14. FGD with New LJK related to Financial Conglomeration Highlights
penilaian sendiri profil risiko sebagai salah satu Activities, namely with Sinarmas Insurance Life.
meningkatkan awareness dalam menjalankan bisnis. Management
15. FGD dengan LJK Baru terkait Kegiatan Konglomerasi 15. FGD related to Intragroup Transaction Revamping with Report
Keuangan yaitu dengan Sinarmas Insurance Life. LJK KK Sinar Mas.
16. FGD terkait Revamping Transaksi Intragrup dengan LJK 16. FGD on Intragroup Transaction Revamping with LJKKK Company
KK Sinar Mas. Sinar Mas. Profile
17. Sosialisasi Penerapan PSAK 71 kepada Asuransi 17. Socialization of PSAK 71 Implementation to Sinarmas
Sinarmas. Insurance.
Management
18. Sosialisasi Pedoman dan Tata Tertib Kerja Komite 18. Socialization of Guidelines and Work Rules of Credit Discussion and
Kebijakan Perkreditan PT Bank Sinarmas. Policy Committee of PT Bank Sinarmas. Analysis
Kecukupan Kebijakan, Prosedur, dan Penetapan Adequacy of Policies, Procedures, and Limit Business
Limit Settings Support
Penerapan Manajemen Risiko di Bank Sinarmas didukung The implementation of Risk Management at Bank Sinarmas Overview
dengan penetapan kerangka yang mencakup kebijakan dan is supported by establishing a framework that includes Risk
prosedur Manajemen Risiko serta limit risiko secara jelas Management policies and procedures as well as clear risk limits CORPORATE
dan sejalan dengan visi, misi, dan strategi Bisnis Bank serta that are in line with the Bank’s vision, mission, and business GOVERNANCE
ketentuan regulator yang berlaku. Bank telah melakukan strategies, as well as applicable regulatory provisions. The
penetapan limit risiko sesuai dengan kompleksitas bisnis Bank Bank has set risk limits according to the complexity of the Sustainability
dan melakukan monitoring terhadap limit secara periodik. Bank’s business and periodically monitors these limits. Report
Bank Sinarmas telah memiliki kebijakan dan prosedur untuk Bank Sinarmas has established policies and procedures for
area bisnis yang lebih spesifik, misalnya di bidang perkreditan, more specific business areas, such as credit, treasury, and
treasury, dan operasional. Kebijakan dan prosedur tersebut operations. These policies and procedures regulate the
mengatur penetapan limit untuk masing-masing aktivitas, setting of limits for each activity, both at the portfolio and
baik pada level portofolio maupun transaksional. Seluruh transactional levels. All policies and procedures at Bank
kebijakan dan prosedur di Bank Sinarmas merupakan Sinarmas represent inherent risk management in every
bentuk pengelolaan risiko yang melekat pada setiap operational activity, which is evaluated and periodically
aktivitas operasional Bank Sinarmas yang dievaluasi dan updated.
dimutakhirkan (update) secara berkala.
Bank Sinarmas juga telah menetapkan Risk Appetite & Risk Bank Sinarmas also sets Risk Appetite & Risk Tolerance as
Tolerance sebagai panduan dalam mengelola limit risiko yang guidelines in managing the acceptable risk limits for the
dapat diterima oleh Bank dalam pelaksanaan aktivitas bisnis. Bank in conducting business activities. Risk Appetite & Risk
Risk Appetite & Risk Tolerance dikaji ulang secara berkala Tolerance are annually reviewed to adjust to the risks and
setiap tahun sehingga dapat menyesuaikan dengan risiko dan complexity of future business endeavors.
kompleksitas bisnis yang akan dihadapi ke depannya.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 452
Guna memastikan kecukupan kebijakan dan prosedur dalam To ensure the adequacy of policies and procedures in
mengidentifikasi risiko serta memastikan kepatuhan kebijakan identifying risks and to ensure the Bank’s compliance with
Bank terhadap ketentuan regulator, maka setiap kebijakan regulatory provisions, every policy issued undergoes prior
yang akan diterbitkan selalu mendapat kajian terlebih dahulu review by independent units, namely the Risk Management
dari satuan kerja independen, yaitu Satuan Kerja Manajemen Work Unit (SKMR) and the Compliance Work Unit (SKK).
Risiko (SKMR) dan Satuan Kerja Kepatuhan (SKK).
Proses Manajemen Risiko dan Sistem Informasi Risk Management Process and Risk
Manajemen Risiko Management Information System
Penerapan manajemen risiko Bank berfokus 4 risiko utama, The implementation of the Bank’s risk management focuses
yaitu Risiko Kredit, Risiko Operasional, Risiko Pasar & Risiko on four main risks, namely Credit Risk, Operational Risk,
Likuiditas, dengan tetap memperhatikan risiko-risiko lainnya, Market Risk & Liquidity Risk, but still considering other risks,
yaitu Risiko Hukum, Risiko Reputasi, Risiko Stratejik dan namely Legal Risk, Reputation Risk, Strategic Risk, and
Risiko Kepatuhan. Proses pelaksanaan manajemen risiko Compliance Risk. The risk management implementation
diwujudkan melalui beberapa tahap, mulai dari Proses process is manifested through several stages, starting from
450 Identifikasi, Pengukuran, Pemantauan, Pengendalian Risiko,
Sistem Informasi Manajemen Risiko, dan Pengelolaan Risiko.
the Identification, Measurement, Monitoring, Risk Control,
Risk Management Information System, and Risk Management
Ikhtisar Kinerja
stages.
2024
Proses Identifikasi Risiko Risk Identification Process
Laporan Bank melakukan identifikasi risiko dengan menganalisis The Bank conducts risk identification by analyzing all potential
Manajemen seluruh sumber risiko yang diperkirakan muncul dari produk sources of risk arising from its products and activities, ensuring
dan aktivitas Bank, serta memastikan bahwa risiko dari that risks associated with new products and activities have
Profil produk dan aktivitas baru telah melalui proses manajemen undergone appropriate risk management processes before
Perusahaan
risiko yang layak sebelum diperkenalkan atau dijalankan. their introduction or implementation. The SKMR conducts the
SKMR melakukan proses identifikasi risiko menggunakan risk risk identification process using risk assessment to estimate
Analisis dan
Pembahasan assessment untuk memperkirakan potensi risiko yang akan the potential risks that may arise from transaction activities
Manajemen terjadi atas aktivitas transaksi atau produk dan menyampaikan or products and provides recommendations to business
rekomendasi kepada unit bisnis maupun unit kerja terkait units and other relevant units to minimize the occurrence of
Tinjauan lainnya untuk meminimalkan terjadinya potensi risiko tersebut such potential risks by enhancing existing internal controls
Pendukung
Bisnis
dengan meningkatkan pengendalian internal yang ada dan/ and/or adding internal controls as measures against
atau menambahkan pengendalian internal sebagai perlakuan potential risks. The implementation of the risk identification
TATA KELOLA terhadap potensi risiko. Pelaksanaan proses identifikasi risiko process is supported by management information systems
PERUSAHAAN didukung oleh sistem informasi manajemen dan laporan yang and accurate, informative reports regarding the financial
akurat dan informatif mengenai kondisi keuangan, kinerja condition, performance of functional activities, and risk
Laporan aktivitas fungsional, dan eksposur risiko Bank. exposure of the Bank.
Keberlanjutan
Pengukuran Risiko Risk Measurement
Secara berkelanjutan, Bank telah mengembangkan The Bank continuously develops methodologies and/or
metodologi dan/atau alat pengukuran risiko, antara lain risk measurement tools, including credit scoring, value at
credit scoring, value at risk (VaR), pemantauan portfolio risk (VaR), portfolio management monitoring, stress testing,
management, stress testing, credit value adjustment (CVA), credit value adjustment (CVA), pre-settlement risk (PSR),
pre-settlement risk (PSR), sharpe ratio, present value 1 (satu) sharpe ratio, present value 1 (PV01), liquidity coverage ratio
basis poin (PV01), Interest Rate Risk in Banking Book (IRRBB), (LCR), net stable funding ratio (NSFR), maximum cumulative
liquidity coverage ratio (LCR), net stable funding ratio (NSFR), outflow (MCO), core funding, risk control self-assessment
leverage ratio, maximum cumulative outflow (MCO), core (RCSA), loss event database (LED), key risk indicators (KRI), to
funding, risk control self-assessment (RCSA), loss event support appropriate business decisionmaking. Periodically,
database (LED), key risk indicator (KRI) sebagai pendukung these risk measurement tools are reviewed and adjusted in
untuk membuat keputusan bisnis yang tepat. Secara periodik, line with internal and external developments/changes.
alat pengukuran risiko tersebut senantiasa dikaji ulang dan
disesuaikan dengan perkembangan/perubahan yang akan
terjadi baik internal maupun eksternal.
Pemantauan Risiko Risk Monitoring
Bank melakukan pemantauan risiko secara berkala dengan The Bank conducts regular risk monitoring by actively
cara turut serta dalam pemantauan proses pelaksanaan participating in monitoring the implementation process of
aktivitas bisnis dan operasional, pemberian kajian-kajian serta business and operational activities, providing studies and
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 453
rekomendasi yang disampaikan baik kepada manajemen recommendations to both management and working units,
maupun kepada unit kerja, laporan-laporan yang disusun reports prepared by the internal SKMR, as well as through
oleh internal SKMR maupun melalui Laporan Eksposur Risiko Risk Exposure Reports submitted by business units and
yang disampaikan oleh unit bisnis dan unit pendukung lainnya other supporting units periodically. The types of reports
secara berkala. Adapun jenis laporan yang disampaikan yaitu presented include the results of risk exposure monitoring
berupa hasil pemantauan eksposur risiko beserta dengan along with recommendations and action plans submitted to
rekomendasi dan action plan yang disampaikan kepada the Board of Directors and/or the Board of Commissioners
Direksi dan/atau Komisaris beserta unit kerja. and working units.
Pengendalian Risiko Risk Control
Seluruh unit kerja Bank Sinarmas melakukan pengendalian All units within Bank Sinarmas implement risk exposure
eksposur risiko untuk meminimalisir/memitigasi potensi risiko controls to minimize/mitigate potential risks. Risk control is
yang dapat terjadi. Pengendalian risiko antara lain dilakukan carried out through, among others, the implementation of
melalui pelaksanaan pengawasan dual control berupa four dual control supervision, such as the four eyes principle,
eyes principle untuk seluruh aktivitas bisnis dan operasional for all business and operational activities of Bank Sinarmas.
Bank Sinarmas. Beberapa bentuk pengendalian internal
lainnya antara lain melalui pelaksanaan restrukturisasi kredit,
Other forms of internal control include credit restructuring,
the establishment of credit allowance for impairment losses
451
pembentukan CKPN kredit serta write off untuk kredit yang (CKPN), and write-offs for nonperforming loans. Additionally,
2024
bermasalah. Selain itu, Bank juga melakukan pengelolaan the Bank also manages its assets and liabilities to mitigate Performance
untuk menjaga aset dan liabilitas yang dimiliki sehingga potential liquidity risks. Highlights
dapat memitigasi potensi risiko likuiditas.
Management
Sistem Informasi Manajemen Risiko Risk Management Information System Report
Bank memandang bahwa Sistem informasi manajemen risiko The Bank considers that the Risk Management Information
merupakan hal penting untuk mendukung pelaksanaan System (RMIS) is essential to support the implementation Company
proses identifikasi, pengukuran, pemantauan, dan of risk identification, measurement, monitoring, and control Profile
pengendalian risiko. Sistem informasi yang dimiliki Bank, processes. The Bank’s information system includes an
antara lain program bantu Enterprise Data Management Enterprise Data Management program to accommodate
Management
untuk mengakomodir kebutuhan data, seperti monitoring data needs, including monitoring credit portfolios and Discussion and
portofolio kredit dan dana pihak ketiga, program bantu third-party funds, a credit scoring program to analyze Analysis
scoring kredit dalam rangka menganalisis kelayakan dalam the creditworthiness of debtors, RCSA (Risk Control Self
pemberian kredit kepada debitur, pelaksanaan RCSA (Risk Assessment) implementation, and a Loss Event Database Business
Control Self Assessment), loss event database (LED) untuk (LED) program to identify operational risks in the Bank. Support
mengidentifikasi risiko operasional Bank. Overview
Bank juga telah mengimplementasikan Sistem Treasury The Bank also implements an Integrated Treasury System CORPORATE
(OSTS) yang terintegrasi dengan manajemen risiko. (OSTS), which is integrated with risk management. It GOVERNANCE
Tujuannya adalah untuk mendukung pelaksanaan proses aims to support the implementation of risk identification,
identifikasi, pengukuran, pemantauan dan pengendalian measurement, monitoring, and control processes in treasury Sustainability
risiko pada aktivitas treasury. activities. Report
Di samping itu, Bank sudah mengimplementasikan sistem In addition, the Bank has implemented a system to
untuk mengakomodir perhitungan rasio LCR, NSFR, accommodate the calculation of LCR, NSFR, maximum
maximum cumulative outflow (MCO), dan IRRBB serta sedang cumulative outflow (MCO), and IRRBB ratios and is developing
mengembangkan sistem ATMR Risiko Pasar. Sistem ini akan a Market Risk RWA system. This system will assist the Bank
membantu Bank dalam mengoptimalkan pelaksanaan fungsi in optimizing the implementation of Liquidity and Market Risk
pengelolaan Risiko Likuiditas dan Pasar. management functions.
Bank, selaku Entitas Utama, menyadari pentingnya The Bank, as the Main Entity, realizes the importance of
pengelolaan risiko Konglomerasi Keuangan secara managing Financial Conglomerate risk in a comprehensive
komprehensif serta terintegrasi untuk seluruh Lembaga Jasa and integrated manner for all Financial Services Institutions
Keuangan (LJK) sehingga Bank sedang mengembangkan (LJK) so the Bank is developing an integrated Financial
sistem terkait Konglomerasi Keuangan yang terintegrasi Conglomerate related system related to Integrated Risk
terkait Pelaporan Profil Risiko Terintegrasi, Laporan Profile Reporting, Minimum Capital Adequacy Report,
Kewajiban Penyediaan Modal Minimum, Laporan Transaksi Intragroup Transaction Report, Risk Appetite & Risk Tolerance
Intragorup, Laporan Risk Appetite & Risk Tolerance, serta Report, and Integrated Stress Test Report.
Laporan Stress Test Terintegrasi.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 454
Seluruh sistem informasi manajemen risiko yang dimiliki All risk management information systems of the Bank
oleh Bank digunakan untuk menghasilkan laporan atau generate reports or information regarding risk exposure,
informasi mengenai eksposur risiko, kepatuhan pelaksanaan compliance with risk management implementation to the
manajemen risiko terhadap kebijakan dan prosedur yang policies and procedures established, as well as compliance
disusun serta kepatuhan terhadap penetapan limit. Bentuk with limit setting. The type of report is already provided as
laporan yang sudah disampaikan sebagai bagian dari part of the risk management information system, including
sistem informasi manajemen risiko, antara lain Laporan the Bank Soundness Level Report, the Bank Risk Profile
Tingkat Kesehatan Bank, Laporan Profil Risiko Bank yang Report submitted periodically to the Board of Directors and
disampaikan secara berkala kepada Direksi dan Komite the Risk Management Committees, Credit Portfolio Reports,
Manajemen Risiko, Laporan Portofolio Kredit, Laporan Securities Portfolio Reports, funds and BMPK provision
Portofolio Surat Berharga, Laporan penyediaan dana dan Reports, Risk Appetite & Risk Tolerance Monitoring Reports,
BMPK, Laporan Monitoring Risk Appetite & Risk Tolerance, as well as RCSA & LED Reports.
serta Laporan RCSA & LED.
Pengelolaan Risiko Risk Management
452 Penyempurnaan penerapan manajemen risiko juga melalui
2 pendekatan, yaitu pengelolaan risiko melalui permodalan
The improvement of risk management implementation also
involves two approaches: risk management through capital
Ikhtisar Kinerja
dan pengelolaan risiko melalui aktivitas operasional sehingga management and risk management through operational
2024 diharapkan tercapai pengelolaan risiko yang melekat dalam activities, aiming to achieve inherent risk management in
pengelolaan bisnis. business management.
Laporan
Manajemen 1. Pengelolaan Risiko melalui Permodalan dan Likuiditas 1. Risk Management through the Bank Capital and
Bank Liquidity
Profil Bank memastikan kecukupan modal untuk mengelola The Bank ensures an adequate capital to manage (cover)
Perusahaan
(cover) risiko kredit, risiko pasar dan risiko operasional, credit risk, market risk, and operational risk, both based
dan risiko likuiditas, baik berdasarkan ketentuan on regulatory requirements (Financial Services Authority
Analisis dan
Pembahasan regulator (Otoritas Jasa Keuangan dan Basel) maupun and Basel) and internal Bank needs.
Manajemen kebutuhan internal Bank.
Tinjauan Terkait dengan Basel III, Bank meningkatkan kecukupan In terms of Basel III, the Bank has enhanced capital
Pendukung
Bisnis
permodalan baik secara kualitas maupun kuantitas sesuai adequacy both qualitatively and quantitatively in
dengan ketentuan Otoritas Jasa Keuangan. Implementasi accordance with Financial Services Authority regulations.
TATA KELOLA Basel III pada Bank Sinarmas telah diterapkan secara The implementation of Basel III at Bank Sinarmas
PERUSAHAAN bertahap antara lain berupa penguatan modal melalui has been carried out gradually, including capital
perhitungan leverage ratio, penguatan likuiditas melalui strengthening through leverage ratio calculation, liquidity
Laporan perhitungan rasio net stable funding ratio (NSFR) dan strengthening through the calculation of the net stable
Keberlanjutan liquidity coverage ratio (LCR) serta penguatan risiko funding ratio (NSFR) and liquidity coverage ratio (LCR),
pasar melalui perhitungan interest rate risk in banking and market risk strengthening through the calculation of
book (IRRBB). the interest rate risk in the banking book (IRRBB).
2. Pengelolaan Risiko melalui Aktivitas Operasional 2. Risk Management through the Operational Activities
Pengelolaan risiko melalui aktivitas operasional Risk management through operational activities is
ditujukan untuk mengelola risiko kredit, risiko pasar dan aimed at managing credit risk, market risk, liquidity risk,
risiko likuiditas serta risiko operasional pada level yang and operational risk at an acceptable level. The Bank
dapat diterima. Bank menerapkan Risk Appetite & Risk implements Risk Appetite & Risk Tolerance in the form
Tolerance dalam bentuk kebijakan dan prosedur serta of policies and procedures, as well as the determination
penetapan batasan risiko maksimal yang akan diambil. of maximum risk limits to be taken. The establishment of
Penetapan limit didasarkan atas limit secara keseluruhan, limits is based on overall limits, limits per type of risk, and
limit per jenis risiko maupun limit per aktivitas fungsional limits per specific functional activity with risk exposure.
tertentu yang memiliki eksposur risiko. Secara spesifik, Specifically, the management of Credit, Market, and
untuk pengelolaan Risiko Kredit, Pasar dan Operasional Operational Risks is conducted through front-end,
dilakukan melalui front end, middle end dan back end middle-end, and back-end processes, as well as through
serta melalui penetapan limit-limit. Untuk pengelolaan the establishment of limits. Operational risk management
risiko operasional juga dilakukan oleh seluruh unit kerja is also carried out by all work units on products and
terhadap produk dan aktivitas yang dilakukan serta activities carried out, reviewed by the Risk Management,
review oleh Risk Management dan dipastikan keefektifan and the effectiveness of its implementation (assurance) is
pelaksanaannya (assurance) oleh Internal Audit. ensured by the Internal Audit.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 455
Hasil Review atas Efektivitas Penerapan Review Results on the Effectiveness of Risk
Manajemen Risiko Management Implementation
Bank senantiasa melakukan review atas penerapan The Bank consistently conducts periodic reviews of risk
manajemen risiko secara berkala. Selain untuk management implementation. In addition to adjusting
menyesuaikan dengan peraturan perundang-undangan to existing regulations, the review is also conducted to
yang ada, hal tersebut juga dilakukan sebagai respons atas respond to dynamics related to the Bank’s business. The
dinamika yang terkait dengan bisnis Bank. Pelaksanaan review process is carried out comprehensively, covering
proses review antara lain dilaksanakan secara menyeluruh, risk identification, measurement, monitoring, and control
baik untuk proses identifikasi, pengukuran, pemantauan dan processes. Furthermore, risk management information
pengendalian risiko. Selain itu, sistem informasi manajemen systems are also crucially developed to support the risk
risiko juga merupakan hal penting yang dikembangkan management implementation process. One of them is
dalam rangka mendukung proses penerapan manajemen through the implementation of the Treasury System (OSTS),
risiko. Salah satunya dengan adanya implementasi Sistem which is integrated with risk management. It aims to support
Treasury (OSTS) yang terintegrasi dengan manajemen risiko. the implementation of risk identification, measurement,
Tujuannya adalah untuk mendukung pelaksanaan proses monitoring, and control processes in treasury activities.
identifikasi, pengukuran, pemantauan, dan pengendalian
risiko pada aktivitas treasury.
453
2024
Pernyataan Direksi dan/atau Dewan Komisaris Statement of the Board of Directors and/or Performance
atau Komite Audit atas Kecukupan Manajemen Board of Commissioners or Audit Committee on Highlights
Risiko the Adequacy of Risk Management System
Dalam organisasi manajemen risiko, Dewan Komisaris In a risk management organization, the Board of Commissioners Management
dan Direksi berperan melakukan pengawasan terhadap and the Board of Directors play a role in supervising the Report
pelaksanaan di Bank. Dalam melaksanakan tugas dan implementation within the Bank. In carrying out their duties
fungsinya, Dewan Komisaris juga dibantu oleh organ di and functions, the Board of Commissioners is also assisted by Company
bawahnya, termasuk di antaranya Komite Audit. its subordinates, including the Audit Committee. Profile
Kebijakan internal Bank terkait dengan manajemen risiko The Bank’s internal policies related to risk management are
Management
telah mengacu peraturan perundang-undangan yang referred to applicable laws and regulations, including the Discussion and
berlaku, termasuk ketentuan Basel Committee on Banking provisions of the Basel Committee on Banking Supervision Analysis
Supervision (BCBS). Mengacu pada peraturan-peraturan (BCBS). Referring to these regulations, the Bank also has a
tersebut, Bank juga memiliki mekanisme review yang mechanism for periodic reviews to assess the effectiveness Business
dilakukan secara berkala terhadap efektivitas penerapan of risk management implementation. Support
manajemen risiko. Overview
Melalui berbagai pertimbangan tersebut, Direksi dan Dewan Through various considerations, the Board of Directors and CORPORATE
Komisaris memandang bahwa kecukupan manajemen risiko the Board of Commissioners consider that the adequacy of GOVERNANCE
Bank hingga tahun 2024 telah memadai di mana penerapan the Bank’s risk management until 2024 was sufficient, where
kerangka manajemen risiko juga senantiasa diselaraskan the implementation of the risk management framework was Sustainability
dengan perkembangan kondisi bisnis Bank, maupun faktor- continuously aligned with the development of the Bank’s Report
faktor lain yang mempengaruhnya. business conditions, as well as other influencing factors.
Pengungkapan Eksposur Permodalan dan Risiko Capital and Risk Exposure Disclosure
PERMODALAN CAPITAL
Penjelasan Kualitatif Qualitative Explanation
Bank Sinarmas telah menjaga soliditas struktur permodalan Bank Sinarmas has maintained the solidity of its capital
yang berasal dari Modal Inti (Tier I). Pada tahun 2024, seluruh structure derived from Tier I Capital. In 2024, all capital needs
kebutuhan permodalan Bank Sinarmas dapat terpenuhi dari of Bank Sinarmas were met through organic capital growth
pertumbuhan modal secara organik dengan didukung oleh supported by the Bank’s healthy financial performance.
kinerja keuangan Bank yang sehat.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 456
Struktur Permodalan Capital Structure
Sesuai dengan ketentuan Otoritas Jasa Keuangan, struktur In line with Financial Services Authority Regulation, the
permodalan Bank Sinarmas terdiri dari: capital structure of Bank Sinarmas consists of:
Modal Inti (Tier 1) Core Capital (Tier 1)
Modal Inti (Tier 1), terdiri dari Modal Inti Utama (Common Core Capital (Tier 1) consists of Common Equity Tier 1 (CET
Equity Tier - CET 1) dan Modal Inti Tambahan (Additional 1) and Additional Core Capital (Additional Tier 1). Common
Tier 1). Modal inti utama mencakup modal disetor, cadangan Equity Tier 1 comprises paid-up capital, additional capital
tambahan modal (disclosure reserve) dan faktor pengurang reserves (disclosure reserve), and deductions from Common
modal inti utama. Cadangan tambahan modal terdiri atas Equity Tier 1 capital. Additional capital reserves consist
faktor penambah (pendapatan komprehensif lainnya dan of additional factors (other comprehensive income and
cadangan tambahan modal lainnya) dan faktor pengurang other additional capital reserves) and deducting factors
(pendapatan komprehensif lainnya dan cadangan tambahan (other comprehensive income and other additional capital
modal lainnya). reserves).
454 Modal Pelengkap (Tier 2)
Modal Pelengkap (Tier 2) meliputi Instrumen modal dalam
Supplementary Capital (Tier 2)
The supplementary Capital (Tier 2) consists of capital
Ikhtisar Kinerja
bentuk saham atau lainnya yang memenuhi persyaratan instruments in the form of shares or others that meet Tier 2
2024 Tier 2, Cadangan umum PPA atas aset produktif yang wajib requirements, PPA general reserves for earning assets that
dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) serta must be formed (maximum 1.25% of Credit Risk RWA), and
Laporan Penempatan dana pada instrumen Tier 2 pada bank lain. placement of funds in Tier 2 instruments at other banks.
Manajemen
Pemenuhan struktur modal Bank Sinarmas di tahun 2024 The fulfillment of Bank Sinarmas’ capital structure in 2024
Profil dan 2023, diungkapkan sebagai berikut. and 2023 is disclosed as follows.
Perusahaan
dalam jutaan Rupiah | in million Rupiah
Analisis dan
Jenis Modal 2024 2023
Pembahasan
Types of Capital
Manajemen
Modal Inti (Tier 1)
6.930.875 7.283.216
Core Capital (Tier 1)
Tinjauan
Modal Pelengkap (Tier 2) 641.610 711.607
Pendukung Supplementary Capital (Tier 2)
Bisnis
Total Modal 7.572.485 7.994.823
Total Capital
TATA KELOLA
PERUSAHAAN
Kecukupan Permodalan Capital Adequacy
Laporan Bank Sinarmas telah melakukan pengelolaan modal sesuai Bank Sinarmas has managed its capital in accordance
Keberlanjutan dengan regulasi Bank Indonesia dan Otoritas Jasa Keuangan with Bank Indonesia and the Financial Services Authority
(Basel II dan Basel III) dalam rangka memastikan bahwa regulations (Basel II and Basel III) to ensure that the Bank can
Bank dapat menjaga kecukupan modalnya untuk men-cover maintain its capital adequacy to cover key risks in banking
risiko-risiko utama pada kegiatan perbankan, yaitu Risiko activities, namely Credit Risk, Market Risk, and Operational
Kredit, Risiko Pasar dan Risiko Operasional, dengan tetap Risk, while still providing returns to stakeholders.
memberikan return bagi pemangku kepentingan.
Untuk perhitungan kecukupan modal dengan In terms of the calculation of capital adequacy considering
memperhitungkan risiko kredit, risiko pasar, dan risiko credit risk, market risk, and operational risk, Bank Sinarmas
operasional, Bank Sinarmas telah menyesuaikan dengan has adjusted according to the relevant regulatory
ketentuan regulator terkait menggunakan Pendekatan requirements using the Basel Standardized Approach.
Standar Basel (Standardized Approach).
Bank Sinarmas memiliki tingkat permodalan yang memadai Bank Sinarmas has adequate capital with a capital adequacy
dengan rasio kecukupan modal (capital adequacy ratio/ ratio (CAR) of 31.26% as of December 2024. This position
CAR) sebesar 31,26% pada Desember 2024. Posisi tersebut is above the minimum requirements according to the risk
di atas persyaratan minimum sesuai profil risiko yang profile set by the regulator; thus, it is highly sufficient to
ditetapkan oleh regulator, sehingga sangat memadai untuk support the Bank’s business plans balanced with efforts to
mendukung rencana bisnis Bank yang diimbangi dengan anticipate all faced risks.
upaya dalam mengantisipasi seluruh risiko yang dihadapi.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 457
Selain perhitungan tersebut, Bank Sinarmas juga In addition to those calculations, Bank Sinarmas also
memperhitungkan kecukupan permodalan dengan considers capital adequacy in reference to Pillar 2 of Basel
mengacu kepada Pilar 2 Basel II atau yang lebih dikenal II, known as the Internal Capital Adequacy Assessment
dengan pendekatan internal capital adequacy assessment Process (ICAAP). According to the Bank’s risk profile rating,
process (ICAAP). Sesuai dengan peringkat profil risiko Bank, the minimum maintained ICAAP calculation is 10%-11%, or as
maka perhitungan ICAAP Bank dijaga minimal sebesar 10%- per regulatory requirements.
11% atau sesuai dengan ketentuan regulator.
Sebagaimana yang disyaratkan oleh regulator, Bank Sinarmas As required by the regulator, Bank Sinarmas is obliged to form
wajib membentuk tambahan modal sebagai penyangga additional capital as a buffer in addition to providing minimum
(buffer) selain menyediakan modal minimum sesuai profil capital according to the risk profile. The additional capital as
risiko. Tambahan modal sesuai ketentuan regulator yang stipulated by the regulator formed by Bank Sinarmas is in
dibentuk Bank Sinarmas adalah berupa countercyclical the form of a countercyclical buffer, which serves as a buffer
buffer, yaitu yang berfungsi sebagai penyangga (buffer) to anticipate losses due to excessive growth in banking
untuk mengantisipasi kerugian apabila terjadi pertumbuhan credit that could potentially disrupt financial system stability.
kredit perbankan yang berlebihan sehingga berpotensi
mengganggu stabilitas sistem keuangan. Sesuai dengan
In accordance with regulations regarding the fulfillment of
these buffers, the mandatory percentage of buffers to be
455
regulasi terkait pemenuhan buffer tersebut, maka persentase met by Bank Sinarmas consists of a countercyclical buffer of
2024
buffer yang wajib dipenuhi oleh Bank Sinarmas yaitu berupa 0% and a capital conservation buffer of 2.5%. Performance
countercyclical buffer sebesar 0% dan capital conservation Highlights
buffer sebesar 2,5%.
Management
RISIKO RISK Report
Penilaian Profil Risiko Risk Profile Assessment Company
Peringkat risiko komposit Bank Sinarmas per 31 Desember The composite risk rating of Bank Sinarmas as of December Profile
2024, yaitu berada pada peringkat 2 (dua) atau Low to 31, 2024, is ranked 2 (Low to Moderate) with a stable trend,
Moderate dengan tren stabil dengan penilaian risiko melekat inherent risk assessment at level 2 or Low to Moderate, and
Management
(inheren risk) pada peringkat 2 (dua) atau Low to Moderate the Quality of Risk Management Implementation (KPMR) at Discussion and
dan Kualitas Penerapan Manajemen Risiko (KPMR) pada level 2 or Satisfactory. Analysis
peringkat 2 (dua) atau Satisfactory.
Business
Profil Risiko Risk Profile Support
Overview
Risiko Kredit Credit Risk
Risiko kredit adalah risiko yang timbul akibat kegagalan Credit risk is the risk arising from the failure of the debtor/ CORPORATE
debitur/pihak lawan (counterparty) serta pihak lainnya dalam counterparty and other parties to fulfill their maturing GOVERNANCE
memenuhi kewajibannya ketika jatuh tempo. Berbagai obligation. These various obligations can arise from a variety
kewajiban ini dapat timbul dari beragam aktivitas fungsional of functional activities related to fund provision, such as Sustainability
penyediaan dana, seperti perkreditan, treasury, investasi, credit, treasury, investment, and trade finance. Report
dan pembiayaan perdagangan (trade finance).
Proses pengelolaan kredit Bank Sinarmas diawali dengan The credit management process at Bank Sinarmas begins
menentukan target pasar dalam menyalurkan kredit dengan with identifying the target market for credit disbursement
mengacu pada risk acceptance criteria dan dilanjutkan by referring to risk acceptance criteria and then proceeds
dengan melakukan risk assessment & monitoring atas with conducting risk assessment and monitoring for credit
pemberian kredit. Dalam menyalurkan kredit, Bank Sinarmas provision. In disbursing credit, Bank Sinarmas always
senantiasa mengedepankan prinsip kehati-hatian di mana prioritizes prudential principles, where all credit management
seluruh aktivitas pengelolaan kredit akan dianalisis oleh activities will be analyzed by a separate Credit Analyst Unit
Unit Credit Analyst yang terpisah dengan unit bisnis dan unit independent from business units and credit risk units. Bank
risiko kredit yang independen. Bank Sinarmas senantiasa Sinarmas consistently adheres to the Bank’s Credit Policy as
berpedoman pada Kebijakan Perkreditan Bank Sinarmas well as regulations established by regulators in managing
serta ketentuan yang ditetapkan oleh regulator dalam credit risk end-to-end.
mengelola risiko kredit secara end-to-end.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 458
1. Penerapan Manajemen Risiko Kredit 1. Implementation of Credit Risk Management
a. Struktur Organisasi Manajemen Risiko Kredit a. Organizational Structure of Credit Risk Management
Satuan Kerja Manajemen Risiko dalam menjalankan In carrying out its authority and responsibilities, the
wewenang dan tanggung jawabnya melakukan Risk Management Work Unit performs independent
fungsi pengawasan yang independen dari aktivitas supervisory functions of business activities and
bisnis serta melakukan identifikasi, pengukuran, conducts identification, measurement, monitoring,
pemantauan, dan pengendalian risiko dan and control of risks, as well as reports on the risk
menyampaikan laporan atas tingkat risiko. Organisasi levels. The credit risk management organization of
manajemen risiko kredit Bank Sinarmas menerapkan Bank Sinarmas implements the four eyes principle
sistem four eyes principle sebagai salah satu system as one of the credit risk controls in the process
pengendalian Risiko Kredit pada proses pemberian of granting credit for Corporate, Channeling/Joint
kredit pada segmen Corporate, Channeling /Joint Financing, Financial Institution, Commercial, Micro,
Financing, Financial Institution, Commercial, Micro, Small Medium Enterprise (MSME), and Consumer
Small Medium Enterprise (SME), dan Consumer. segments.
b. Strategi Manajemen Risiko Kredit b. Credit Risk Management Strategy
456 1) Bank telah menetapkan prosedur dan kebijakan
kredit, pengaturan limit, tingkat risiko yang
1) The Bank has determined credit procedures
and policies, set credit limits, determined the
Ikhtisar Kinerja
diambil (risk appetite) dan toleransi risiko (risk risk appetite, defined the risk tolerance, and
2024 tolerance) serta melakukan pemantauan dan conducted regular monitoring and evaluation
evaluasi secara berkala untuk memastikan to ensure that all risks arising from the credit
Laporan bahwa seluruh risiko yang mungkin timbul granting process can be mitigated through
Manajemen dari proses pemberian kredit dapat dimitigasi consistent application of the “four-eyes principle.”
dengan penerapan prinsip ”four eyes principles” The Risk Management Work Unit conducts
Profil secara konsisten. Satuan Kerja Manajemen risk assessments, provides independent
Perusahaan
Risiko melakukan penilaian risiko memberikan recommendations on exposure and credit limits,
rekomendasi secara independen terhadap and identifies the inherent risks associated with
Analisis dan
Pembahasan eksposur dan limit kredit serta mengidentifikasi products and activities related to credit.
Manajemen besaran risiko yang melekat pada produk dan
aktivitas yang terkait dengan perkreditan.
Tinjauan 2) Bank juga melakukan assessment dan monitoring 2) The Bank also conducts assessments and
Pendukung
Bisnis
dengan memperhatikan konsep one obligor, monitoring while considering the concept of
pemantauan konsentrasi kredit berdasarkan one obligor, monitoring credit concentration
TATA KELOLA sektor ekonomi, debitur inti, penyediaan dana based on economic sectors, core debtors, and
PERUSAHAAN kepada pihak terkait (related party), pihak tidak funding provided to related parties, unrelated
terkait serta penyediaan dana besar dengan parties, and large fund providers by conducting
Laporan melakukan analisis secara komprehensif dan risk comprehensive analysis and risk assessment
Keberlanjutan assessment diberikan dari SKMR serta Internal provided by the SKMR and the Internal Audit
Audit sebagai Unit Independen, serta dalam as an Independent Unit. In its implementation,
pelaksanaannya, Bank memastikan portofolio the Bank ensures that the credit portfolio is not
kredit tidak terkonsentrasi pada kelompok atau concentrated in specific groups or individuals
individu tertentu serta tidak terdapat pelampauan and no breaches or violations of the maximum
atau pelanggaran batas maksimum pemberian credit limits (BMPK) by adhering to regulatory
kredit (BMPK) dengan mematuhi ketentuan provisions regarding funding provided to related
regulator atas penyediaan dana kepada pihak and unrelated parties.
terkait dan kepada pihak tidak terkait.
3) Pemantauan terhadap perkembangan portofolio 3) Monitoring of the Bank’s credit portfolio
kredit Bank dilakukan secara intensif sehingga development is conducted intensively, allowing
memungkinkan Bank untuk melakukan the Bank to take preventive actions in a timely
tindakan pencegahan secara tepat waktu manner with the implementation of early warning
dengan implementasi early warning sebagai systems to detect potential deterioration in credit
upaya mendeteksi debitur yang berpotensi quality. The Bank’s credit portfolio monitoring is
terjadi penurunan kualitas kredit. Pemantauan organized based on usage types, economic
portofolio kredit Bank disusun berdasarkan sectors, core debtors, facility types, debtor
jenis penggunaan, sektor ekonomi, debitur categories, currency, geographic regions,
inti, jenis fasilitas, kategori debitur, jenis mata branches, and others. Progress reports on the
uang, geografis, cabang dan lainnya. Laporan portfolio development are regularly submitted to
perkembangan portofolio tersebut disampaikan the Board of Directors.
kepada Direksi secara berkala.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 459
4) Dalam rangka memenuhi ketentuan regulator 4) In order to comply with regulatory requirements
sehubungan dikeluarkannya kebijakan rasio regarding the issuance of the Macroprudential
pembiayaan inklusif makroprudensial (RPIM) dalam Inclusive Financing Ratio (RPIM) policy in the
sektor pembiayaan inklusif dan usaha mikro, kecil inclusive financing sector and micro, small, and
dan menengah (UMKM), maka pada tahun 2024 medium enterprises (MSMEs), in 2024, the Bank
Bank tetap berkomitmen fokus kepada penyaluran was committed to focusing on credit to the small
kredit pada segmen usaha kecil dan menengah and medium enterprise (SME) segment. The
(UMKM) dan realisasi pencapaian rasio RPIM posisi realization of the RPIM ratio as of December
31 Desember 2024 belum memenuhi target risk 31, 2024, met the target risk appetite and risk
appetite dan risk tolerance yang ditetapkan. tolerance set by the Bank.
5) Untuk akselerasi proses persetujuan kredit 5) For accelerating the credit approval process in
pada segmen MSME, Bank menggunakan credit the MSME segments, the Bank utilizes credit
scoring sebagai alat bantu komite untuk menilai scoring as a tool to assist the committee in
kelayakan calon debitur dalam memperoleh assessing the eligibility of potential borrowers to
pinjaman untuk membuat keputusan persetujuan make approval decisions quickly, efficiently, and
secara cepat, efisien, dan obyektif.
6) Pemantauan terhadap portofolio kredit MSME
objectively.
6) Monitoring of the MSME credit portfolios is
457
dilakukan secara harian oleh unit bisnis dalam conducted daily by the business units in the form
2024
bentuk laporan harian yang disampaikan kepada of daily reports submitted to micro units. These Performance
unit-unit mikro. Laporan tersebut digunakan reports serve as dashboards for the micro units, Highlights
sebagai dashboard bagi unit-unit mikro sehingga enabling them to take early action in handling
dapat sedini mungkin melakukan tindak lanjut borrowers who are starting to fall behind. Management
penanganan terhadap debitur-debitur yang Report
mulai menunggak.
7) Perkembangan teknologi yang cepat dan 7) Due to rapid and dynamic technological Company
dinamis seta dorongan dari pandemi, maka sejak developments along with the pandemic, Profile
tahun 2021, Bank telah melakukan akselerasi since 2021, the Bank has accelerated digital
transformasi digital dengan pengembangan transformation efforts with the development of
Management
sistem untuk penyaluran kredit dilakukan melalui a system for credit disbursement through digital Discussion and
aplikasi secara digital (digital loan), di mana applications (digital loans). A credit risk engine Analysis
dibangun credit risk engine sebagai underwriting has been built as an underwriting system to
system untuk membantu menganalisis dan menilai assist in analyzing and assessing the eligibility Business
kelayakan calon debitur untuk menerima pinjaman of prospective borrowers to receive loans from Support
dari Bank. Bank melakukan pengembangan model the Bank. The Bank develops risk models such Overview
risiko berupa credit scoring dan secara periodik as credit scoring and periodically conducts
dilakukan analisa performance monitoring, performance analysis, model calibration, and CORPORATE
kalibrasi model dan validasi atas scoring model validation of scoring models for each digital loan GOVERNANCE
pada setiap produk digital loan untuk menjaga product to maintain the reliability and validity of
keandalan dan validitas model. the model. Sustainability
8) Dengan adanya pencabutan status pandemi 8) With the revocation of the Covid-19 pandemic Report
Covid-19 oleh Pemerintah sesuai dengan status by the Government in accordance with
Keppres No. 17 Tahun 2023 pada Juni 2023 Presidential Decree No. 17 of 2023 in June 2023,
yang menyatakan status pandemi Covid-19 which stated that the status of the Covid-19
di Indonesia dinyatakan telah berakhir, Bank pandemic in Indonesia was declared over, the
telah mencabut beberapa ketentuan terkait Bank revoked several provisions related to
penyaluran kredit terdampak Covid-19. Namun the distribution of loans affected by Covid-19.
Bank masih terus melakukan pemantauan However, the Bank continues to closely monitor
secara ketat pada debitur yang sebelumnya debtors who were previously restructured due
direstrukturisasi karena pandemi Covid-19 demi to the COVID-19 pandemic in order to maintain
menjaga kualitas kredit tetap baik. good credit quality.
c. Pengelolaan Risiko Konsentrasi Kredit c. Credit Concentration Risk Management
Dalam hal mengelola portofolio kredit, Bank In managing the credit portfolio, the Bank highlights and
memperhatikan dan melakukan evaluasi dalam evaluates the implementation of credit disbursement
pelaksanaan diversifikasi penyaluran kredit serta diversification as well as Credit Concentration Risk
dalam hal mengelola risiko Konsentrasi Kredit. Bank Management. The Bank consistently carries out
senantiasa melakukan monitoring untuk memastikan monitoring to ensure there are no breaches of limits
tidak terdapat pelampauan limit dan kualitas kredit and credit quality is maintained in accordance with
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terjaga sesuai risk appetite dan risk tolerance. Bank risk appetite and risk tolerance. The Bank manages
melakukan pengelolaan risiko konsentrasi kredit credit concentration risk by setting limits adjusted to
dengan menentukan limit disesuaikan dengan needs and the level of risk taken by considering risk
kebutuhan dan tingkat risiko yang diambil dengan appetite and risk tolerance, as well as considering
memperhatikan risk appetite dan risk tolerance serta its impact. This includes establishing limits on credit
memperhitungkan dampak risikonya, antara lain provision to a single debtor/group in accordance
menetapkan batasan pemberian kredit kepada satu with regulations related to the maximum credit limit
debitur/grup sesuai dengan regulasi terkait batas (BMPK), limits on economic sectors, core debtors,
maksimum pemberian kredit (BMPK) limit sektor NPL ratios (gross, net, and segmented), allowance
ekonomi kredit dan surat berharga, debitur inti, rasio for impairment losses (CKPN) for NPL, CKPN for Bank
NPL (gross, net dan per segmentasi), CKPN untuk NPL, Collective NPL CKPN, Individual NPL CKPN, and
NPL, CKPN untuk NPL Bank, CKPN NPL Collective, the Macroprudential Inclusive Financing Ratio (RPIM).
CKPN NPL Individual dan rasio pembiayaan inklusif Monitoring of concentration risks is conducted every
makroprudensial (RPIM). Pemantauan terhadap risiko month. In setting these concentration risk limits, the
konsentrasi tersebut dilakukan secara bulanan. Bank has considered historical conditions, banking
458 Dalam penetapan limit risiko konsentrasi tersebut
Bank telah mempertimbangkan kondisi historis,
statistics, regulatory provisions, the Bank’s capital,
Peers/Bank benchmarking, and the Bank’s portfolio
Ikhtisar Kinerja
Statistik Perbankan, Ketentuan Regulator, Modal plan established in line with the Bank’s business
2024 Bank, Peers/Bank Benchmarking dan rencana plan.
Portofolio Bank yang ditetapkan sesuai dengan
Laporan Rencana Bisnis Bank.
Manajemen d. Pengukuran dan Pengendalian Risiko Kredit d. Credit Risk Measurement and Control
1) Pengukuran Risiko Kredit 1) Credit Risk Measurement
Profil Dalam mengukur beban modal atas Risiko Kredit, In measuring the capital charge for Credit
Perusahaan
Bank menggunakan metode standar sesuai yang Risk, the Bank utilizes the standard method as
diatur dalam Surat Edaran Otoritas Jasa Keuangan regulated in Financial Services Authority Circular
Analisis dan
Pembahasan No. 24/SEOJK.03/2021 tentang Perhitungan Aset No. 24/SEOJK.03/2021 on the Calculation of
Manajemen Tertimbang Menurut Risiko Untuk Risiko Kredit Risk-Weighted Assets for Credit Risk Using the
dengan Menggunakan Pendekatan Standar Bagi Standard Approach for Commercial Banks.
Tinjauan Bank Umum. Penilaian terhadap Profil Risiko Assessment of the Credit Risk Profile is also
Pendukung
Bisnis
Kredit juga dilakukan secara berkala untuk conducted periodically to measure inherent
mengukur risiko yang melekat serta kecukupan risks and the adequacy of risk management
TATA KELOLA penerapan manajemen risiko. Risiko yang implementation. Inherent risks are measured
PERUSAHAAN melekat diukur dengan menggunakan sejumlah using several parameters, including portfolio
parameter yang mencakup antara lain komposisi asset composition and concentration levels,
Laporan portofolio aset dan tingkat konsentrasi, kualitas the quality of the provision of funds and the
Keberlanjutan penyediaan dana dan kecukupan pencadangan, adequacy of reserves, the strategy of funding
strategi penyediaan dana dan sumber timbulnya provision and sources, and external factors.
penyediaan dana dan faktor eksternal.
Secara berkala, Bank melakukan stress testing The Bank periodically conducts stress testing
dengan berbagai skenario dan review terhadap with various scenarios and reviews factors and
faktor dan parameter dalam stress testing guna parameters within stress testing to measure
mengukur seberapa besar potensi kenaikan the potential increase in non-performing loans
non-performing loan yang dialami Bank dan experienced by the Bank and the potential
potensi penambahan pembentukan CKPN, addition of the allowance for impairment losses
serta untuk mengukur kemampuan ketahanan (CKPN) formation, as well as to measure the
permodalan dan CAR Bank dalam mengatasi capital resilience and CAR of the Bank’s ability
kondisi ekstrim yang mungkin terjadi akibat to cope with extreme conditions that may arise
perubahan kondisi ekonomi yang memburuk. due to worsening economic conditions. This is
Hal ini dilakukan untuk mendapatkan informasi conducted to obtain the necessary information
yang diperlukan dalam upaya mitigasi risiko for the most appropriate and accurate risk
yang paling tepat dan akurat. Hasil Stress Testing mitigation efforts. The results of stress testing
secara umum menunjukkan Bank Sinarmas generally indicate that Bank Sinarmas has robust
memiliki permodalan dan likuiditas yang kuat capital and liquidity to anticipate estimated
dalam mengantisipasi estimasi kerugian dari losses from potential risks that could arise in the
potensi risiko yang dihadapi dalam skenario worst scenario.
terburuk.
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2) Pengendalian Risiko Kredit 2) Credit Risk Control
Bank mengembangkan serta menerapkan risk The Bank develops and implements risk
governance sebagai bagian dalam pengendalian governance as part of credit internal control as
internal perkreditan sebagai berikut. follows:
a) Lini pertama (pilar bisnis dan pendukung) a) The first line (business and support pillars)
terutama bertanggung jawab mengelola is primarily responsible for managing credit
risiko kredit yang merupakan bagian dari risk, which is part of its daily activities.
aktivitasnya sehari-hari.
b) Lini kedua menyediakan sumber daya yang b) The second line provides the necessary
diperlukan untuk mengembangkan kerangka resources to develop the credit risk
kerja risiko kredit, kebijakan, metodologi dan framework, policies, methodologies, and
perangkat risiko kredit dalam pengelolaan credit risk tools in managing material credit
risiko kredit yang bersifat material secara risks across the bank-wide scope.
bank wide.
c) Lini ketiga merupakan audit internal dan c) The third line consists of internal audit
kontrol internal, yang secara independen
bertugas untuk melakukan pemeriksaan
and internal control, which independently
examine compliance, adequacy, and
459
terhadap kepatuhan, kecukupan dan effectiveness of the credit risk management
2024
efektivitas proses manajemen risiko kredit. processes. Performance
3) Dalam menjalankan fungsi manajemen risiko 3) In carrying out the credit risk management Highlights
kredit, proses persetujuan kredit telah diatur function, the credit approval process has been
dalam kebijakan bank, yaitu dengan menetapkan regulated in the Bank’s policy by assigning Management
wewenang di cabang-cabang, kantor wilayah, dan authorities at branches, regional offices, and Report
kantor pusat sehingga memungkinkan proses head offices to enable an optimal credit decision-
pengambilan keputusan kredit yang optimal. making process. Along with the Bank’s credit Company
Seiring dengan bertumbuhnya perkreditan growth, to support effectiveness and efficiency Profile
Bank, maka untuk mendukung efektivitas in loan applications and expedite the credit
dan efisiensi dalam pengajuan permohonan approval process, the Bank utilizes an assisting
Management
kredit serta mempercepat pelaksanaan proses program known as PEGA, which is continuously Discussion and
persetujuan kredit, Bank menggunakan suatu developed and refined in the commercial, MSME, Analysis
program bantu yang dikenal dengan PEGA yang and consumer credit application processes by
terus dikembangkan dan disempurnakan dalam applying comprehensive risk parameters. Business
proses pengajuan kredit commercial, MSME, Support
dan consumer dengan menerapkan parameter- Overview
parameter risiko secara menyeluruh.
4) Bank telah memiliki Loan Recovery Group 4) The Bank has established a Loan Recovery Group CORPORATE
yang khusus menangani debitur/nasabah specifically tasked with handling borrowers/ GOVERNANCE
yang mengalami kesulitan untuk memenuhi customers experiencing difficulties in meeting
kewajibannya. Loan Recovery Group telah their obligations. The Loan Recovery Group has Sustainability
memperluas struktur organisasi, menambah sumber expanded its organizational structure, increased Report
daya manusia dan menyusun beberapa strategi human resources, and developed several
agar upaya penyehatan dan/atau penyelamatan strategies to ensure that efforts to restructure and/
kredit bermasalah dapat dijalankan lebih fokus or recover non-performing loans can be more
dan termonitor. Dengan begitu, penanganan focused and monitored. Therefore, handling can
dapat lebih intensif dan kualitas kredit Bank tetap be conducted more intensively while maintaining
terjaga serta recovery rate atas penanganan the Bank’s credit quality, and the recovery rate
kredit bermasalah meningkat. Tata cara dan for handling non-performing loans increases.
pedoman untuk melaksanakan penyehatan dan/ Restructure and/or recovery of non-performing
atau penyelamatan kredit bermasalah juga telah loans implementation procedures and guidelines
diatur dalam kebijakan internal Bank dan dilakukan have also been regulated in the Bank’s internal
review secara berkala. policies and are regularly reviewed.
5) Sebagai langkah mitigasi risiko kredit, Bank 5) The Bank also requires debtors to provide
juga mewajibkan debitur untuk memberikan collateral that complies with the Bank’s
agunan yang memenuhi persyaratan Bank. Jenis requirements as a credit risk mitigation measure.
agunan yang diterima Bank sebagai agunan Cash collateral, fixed assets, machinery, motor
kredit, antara lain berupa cash collateral, fixed vehicles, inventories, stocks, and other types of
asset, mesin, kendaraan bermotor, persediaan, collateral are among those that the Bank accepts
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saham dan lainnya sesuai dengan kebijakan as credit collateral in accordance with applicable
yang berlaku. Perkiraan nilai wajar dari agunan policies. The estimated fair value of the collateral
berdasarkan penilaian dari internal maupun is based on internal and external assessments,
eksternal tergantung dari nilai plafond yang depending on the ceiling value proposed by the
diajukan calon debitur. prospective debtor.
6) Pelaksanaan proses manajemen risiko 6) The implementation of risk management
dituangkan dalam Laporan Profil Risiko, Laporan processes is documented in Risk Profile Reports,
Pemantauan, Laporan Kaji Ulang Limit Risk Monitoring Reports, Risk Appetite and Risk
Appetite dan Risk Tolerance, dan Laporan BMPK Tolerance Limit Review Reports, BMPK Reports,
dan laporan lainnya and other reports.
2. Pendekatan Bank untuk Pembentukan Cadangan 2. Bank’s Approach to the formation of Allowance for
Kerugian Penurunan Nilai (CKPN) Impairment Losses (CKPN)
Sejak Januari 2020, Bank telah mengimplementasikan Since January 2020, the Bank has implemented PSAK 71
PSAK 71 dalam pembentukan impairment kredit sesuai in establishing credit impairment in accordance with the
460 dengan penetapan Dewan Standar Akuntansi Keuangan
Ikatan Akuntan Indonesia (DSAK IAI). Bank bekerja
stipulation of the Board of Financial Accounting Standards
of the Institute of Indonesia Chartered Accountants (DSAK
Ikhtisar Kinerja
sama dengan konsultan telah membangun infrastruktur IAI). In collaboration with consultants, the Bank has built
2024 dan sistem teknologi informasi yang dapat melakukan infrastructure and information technology systems that
classification & measurement, perhitungan impairment can carry out Classification & Measurement, impairment
Laporan (collective & individual), serta disclosure reporting. calculations (collective & individual), and disclosure
Manajemen Cakupan penurunan nilai berdasarkan PSAK 71 (IFRS 9) reporting. The coverage for impairment losses under
telah memperhitungkan kerugian di masa mendatang PSAK 71 (IFRS 9) has considered future losses (expected
Profil (expected credit loss). credit loss).
Perusahaan
Berbeda dengan PSAK 50/55 sebelumnya yang Unlike the previous PSAK 50/55, which recognized
Analisis dan
Pembahasan mengakui kerugian kredit pada saat peristiwa kerugian credit losses when a credit loss event occurred, the
Manajemen kredit terjadi, metode yang diperkenalkan pada PSAK method introduced in PSAK 71 requires immediate
71 ini mensyaratkan pengakuan segera atas dampak recognition of the impact of changes in expected credit
Tinjauan perubahan kerugian kredit ekspektasi setelah pengakuan losses after initial recognition of financial assets. PSAK
Pendukung
Bisnis
awal aset keuangan. PSAK 71 memperkenalkan metode 71 introduces the Expected Credit Loss (ECL) method in
kerugian kredit ekspektasi (expected credit loss/ECL) measuring financial instrument losses due to a decrease
TATA KELOLA dalam mengukur kerugian instrumen keuangan akibat in the value of financial instruments.
PERUSAHAAN penurunan nilai instrumen keuangan.
Laporan Cadangan kerugian penurunan nilai (CKPN) dengan The Allowance for Impairment Losses (CKPN) using the
Keberlanjutan menggunakan metode expected credit loss sesuai expected credit loss method in line with PSAK 71 (IFRS
dengan ketentuan PSAK 71 (IFRS 9) menghitung 9) provision that calculates impairment on the Portfolio
penurunan nilai pada Portofolio (1) Kredit; (2) Treasury; (1) Credit; (2) Treasury; (3) Trade Finance, both On-
(3) Trade Finance, baik untuk On B/S maupun Off B/S Balance Sheet and Off-Balance Sheet - monthly, which
- secara bulanan, yang dicatat pada biaya perolehan is recorded in amortized cost or fair value through other
diamortisasi atau pada nilai wajar melalui penghasilan comprehensive income, plus lease receivables, contract
komprehensif lain, ditambah piutang sewa, aset kontrak, assets, loan commitments, and financial guarantee
komitmen pinjaman, dan kontrak jaminan keuangan contracts not measured at fair value through profit or
yang tidak diukur pada nilai wajar melalui laba rugi. loss.
Tujuan dari persyaratan penurunan nilai adalah untuk The objective of impairment requirements is to recognize
mengakui kerugian kredit ekspektasi sepanjang lifetime expected credit losses for all financial instruments
umurnya atas semua instrumen keuangan yang telah that have experienced a significant increase in credit risk
mengalami peningkatan risiko kredit secara signifikan since initial recognition, whether assessed individually or
sejak pengakuan awal, baik dinilai secara individu atau collectively, considering all reasonable and supported
kolektif, dengan mempertimbangkan semua informasi forward-looking information.
yang wajar dan didukung informasi yang bersifat
perkiraan masa depan (forward-looking).
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Bank Sinarmas mengukur penyisihan kerugian instrumen Bank Sinarmas measures the allowance for financial
keuangan sejumlah kerugian kredit ekspektasi sepanjang instrument losses as the expected credit losses over their
umurnya, jika risiko kredit atas instrumen keuangan lifetime if the credit risk of those financial instruments has
tersebut telah meningkat secara signifikan sejak significantly increased since initial recognition. If, at the
pengakuan awal. Jika pada tanggal pelaporan, risiko reporting date, the credit risk of the financial instruments
kredit atas instrumen keuangan tidak meningkat secara has not increased significantly since initial recognition,
signifikan sejak pengakuan awal, entitas mengukur the entity measures the allowance for those financial
penyisihan kerugian untuk instrumen keuangan tersebut instruments as the 12-month expected credit losses.
sejumlah kerugian kredit ekspektasi 12 bulan.
Bank Melakukan permodelan Probability of Default, The Bank conducts modeling of Probability of Default,
Loss Given Default, Credit Conversion Factor, Exposure Loss Given Default, Credit Conversion Factor, Exposure
at Default, dan Forward Looking of Macroeconomic at Default, and Forward-Looking Macroeconomic for
untuk semua segmentasi portofolio instrumen keuangan all segmentation of financial instrument portfolios
sesuai dengan metodologi yang telah ditentukan oleh according to the methodology established by Bank
Bank Sinarmas. Selain itu, Bank melakukan review secara
berkala terhadap parameter Probability of Default, Loss
Sinarmas. Additionally, the Bank performs periodic
reviews of the Probability of Default, Loss Given
461
Given Default, Credit Conversion Factor, dan Forward Default, Credit Conversion Factor, and Forward-Looking
2024
Looking of Macroeconomic minimal 1 tahun sekali. Macroeconomic parameters at least once a year. Performance
Highlights
Seperti pada penerapan PSAK 50/55, perhitungan In the application of PSAK 50/55, impairment calculations
impairment juga dilakukan dalam 2 kategori, yaitu are also conducted in two categories, namely individual Management
individual dan kolektif. and collective. Report
a. Cadangan Kerugian Penurunan Nilai (CKPN) secara a. Allowance for Impairment Losses (CKPN) on an
Individual Individual Basis Company
1) CKPN individual dibentuk untuk kredit dengan 1) Allowance for Impairment Losses (CKPN) on an Profile
plafon di atas Rp15 miliar dan telah menunggak individual basis is established for credits with limits
lebih dari 90 hari atau belum menunggak selama above Rp15 billion and have been overdue for more
Management
90 hari tetapi terdapat bukti objektif penurunan than 90 days or have not been overdue for 90 days Discussion and
nilai. but there is objective evidence of impairment. Analysis
2) Perhitungan penurunan nilai secara individu: 2) Calculation of impairment on an individual basis:
a) Discounted Cash Flow a) Discounted Cash Flow Business
Penurunan nilai yang mengakibatkan kerugian Impairment resulting in losses is measured by Support
diukur dari selisih antara nilai tercatat aset the difference between the carrying amount Overview
keuangan dengan nilai kini dari estimasi of the financial asset and the present value of
arus kas masa datang yang didiskontokan estimated future cash flows discounted using CORPORATE
memakai tingkat suku bunga efektif awal dari the financial asset’s original effective interest GOVERNANCE
aset keuangan yang dimaksud. Nilai tercatat rate. The carrying value of the asset is reduced
aset tersebut dikurangi melalui akun cadangan through the allowance for impairment losses Sustainability
kerugian penurunan nilai dan beban kerugian account and recognized as an impairment loss in Report
yang diakui pada Laporan Laba Rugi. the Statement of Profit or Loss.
Apabila tagihan telah jatuh tempo memiliki If the matured receivable has a variable interest
suku bunga variabel, maka kerugian rate, then the impairment loss is discounted using
penurunan nilai didiskontokan dengan the prevailing effective interest rate as stated in
menggunakan suku bunga efektif yang the contract.
berlaku sesuai yang tertera dalam kontrak.
b) Fair Value of Collateral b) Fair Value of Collateral
Pengukuran aset keuangan dengan The measurement of financial assets with
agunan dihitung berdasarkan nilai kini collateral is calculated based on the present
dari estimasi arus kas masa datang yang value of estimated future cash flows reflecting
mencerminkan arus kas dari hasil penjualan the cash flows from the proceeds of the sale or
atau pengambilalihan agunan dikurangi realization of the collateral reduced by net of
biaya-biaya untuk memperoleh dan menjual costs to obtain and sell the collateral.
agunan tersebut.
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b. Cadangan Kerugian Penurunan Nilai (CKPN) Kolektif b. Collective allowance for impairment losses (CKPN)
1) CKPN kolektif dibentuk untuk seluruh kredit 1) The collective allowance for impairment loss
dengan plafon di bawah Rp15 miliar dan (CKPN) is formed for all credits with limits below
kredit dengan plafon di atas Rp15 miliar yang Rp15 billion and credits with limits above Rp15
tunggakannya belum melebihi 90 hari. Metode billion whose overdue period does not exceed
perhitungan CKPN disesuaikan dengan standar 90 days. The method for calculating CKPN
kebijakan akuntansi yang berlaku. is adjusted in accordance with applicable
accounting policy standards.
2) Bank melakukan evaluasi penurunan nilai secara 2) The Bank evaluates impairment collectively
kolektif menggunakan parameter Probability of using parameters such as Probability of Default,
Default, Loss Given Default, Credit Conversion Loss Given Default, Credit Conversion Factor,
Factor, Exposure at Default, dan Forward Looking Exposure at Default, and Forward-Looking
of Macroeconomic dengan mengelompokkan Macroeconomic by grouping financial assets
aset keuangan berdasarkan kesamaan based on similar credit risk characteristics, such
karakteristik risiko kredit, seperti terhadap jenis as credit segmentation types and overdue
462 segmentasi kredit dan lama tunggakan.
3) Bank menggunakan metode migration analysis,
periods.
3) The Bank uses the migration analysis method, an
Ikhtisar Kinerja
yaitu metode pendekatan yang dilakukan approach conducted by using historical migration
2024 dengan menggunakan tingkat migrasi DPD rates of Days Past Due (DPD) for at least the
secara historical minimal 3 tahun terakhir dalam last three years in calculating the Probability of
Laporan menghitung Probability of Default (PD). Default (PD).
Manajemen
3. Pengungkapan Risiko Kredit menggunakan Metode 3. Disclosure of Credit Risk Using Standard Methods
Profil Standar
Perusahaan
a. Kebijakan Penggunaan Peringkat dalam Perhitungan a. Policy on the use of ratings in the calculation of Risk-
Aset Tertimbang Menurut Risiko (ATMR) untuk Risiko Weigthed Assets (RWA) for credit.
Analisis dan
Pembahasan Kredit.
Manajemen 1) Dalam perhitungan ATMR risiko kredit, Bank 1) The Bank calculates RWA for credit risk using the
menggunakan perhitungan dengan Pendekatan Standardized Approach.
Tinjauan Standar (Standardized Approach).
Pendukung
Bisnis
2) Kategori portofolio yang menggunakan peringkat 2) Portfolio categories that use external ratings
eksternal adalah tagihan kepada pemerintah, include receivables to the government, public
TATA KELOLA entitas sektor publik, tagihan kepada Bank sector entities, receivables to Multilateral
PERUSAHAAN Pembangunan Multilateral dan Lembaga Development Banks and International Institutions,
Internasional, tagihan berupa Covered Bond, receivables in the form of Covered Bonds, and
Laporan dan tagihan kepada Korporasi (surat berharga). receivables to Corporations (securities).
Keberlanjutan 3) Lembaga pemeringkat yang digunakan oleh 3) The rating agencies hired by the Bank adhere
Bank berpedoman pada ketentuan Bank to the regulations of Bank Indonesia. The Bank
Indonesia. Bank menggunakan beberapa hires several rating agencies recognized by the
lembaga pemeringkat yang diakui Otoritas Financial Services Authority (OJK) in accordance
Jasa Keuangan sesuai dengan Surat Edaran with Circular Letter No. 37/SEOJK.03/2016 for
Otoritas Jasa Keuangan No. 37/SEOJK.03/2016 the provision of credit to debtors in the form of
dalam rangka pemberian kredit kepada debitur bonds and other securities, namely Standard
berupa obligasi dan surat berharga lainnya, and Poor’s, Fitch Ratings, Moody’s, Fitch Ratings
yaitu: Standard and Poor’s, Fitch Rating, Moody’s, Indonesia, and the Indonesian Securities Rating
Fitch Ratings Indonesia, dan Pemeringkat Efek Agency.
Indonesia.
b. Pengungkapan Risiko Kredit Pihak Lawan b. Disclosure of Counterparty Credit Risk
(Counterparty Credit Risk) Bank Sinarmas’s derivative exposure is not very
Eksposur derivatif yang dimiliki Bank Sinarmas tidak significant, as the Bank only holds exposure to
terlalu signifikan, di mana Bank hanya memiliki exchange rate derivatives. The Reverse Repo and
eksposur derivative nilai tukar. Transaksi Reverse Repo transactions conducted by the Bank tend to
Repo dan Repo yang dilakukan Bank cenderung be insignificant, as these transactions are carried out
insignifikan di mana transaksi tersebut sepenuhnya entirely with Bank Indonesia.
dilakukan dengan Bank Indonesia.
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c. Mitigasi Risiko Kredit c. Credit Risk Mitigation
Pengungkapan risiko kredit sebesar eksposur Disclosure of credit risk is equal to the exposure
tagihan/kredit yang diterima oleh pihak lawan/ of receivables/credit received by the counterparty/
debitur dengan memperhitungkan jenis agunan debtor by considering the type of collateral submitted
yang diserahkan kepada Bank sebagai mitigasi risiko to the Bank as its credit risk mitigation.
kredit Bank.
1) Dalam kebijakan perkreditan Bank jenis agunan 1) In the Bank’s credit policy, the types of collateral
yang umumnya dapat diterima, antara lain: accepted, among others:
a) Agunan yang tangible, yaitu termasuk benda a) Tangible collateral includes immovable
yang tidak bergerak, seperti tanah dan/atau objects such as land and/or buildings,
bangunan, maupun benda bergerak seperti as well as movable objects such as time
deposito berjangka, kendaraan, mesin, deposits, vehicles, machinery, ships, goods
kapal, persediaan barang, dan piutang inventories, and trade receivables.
usaha.
b) Agunan yang intangible, yaitu seperti saham, b) Intangible collateral, such as stocks,
bancassurance, reksadana, dan setoran
jaminan.
bancassurance, mutual funds, and guarantee
deposits.
463
c) Bank dapat juga menerima penjaminan, c) Banks may also accept guarantees such as
2024
seperti jaminan pribadi (personal guarantee), personal guarantees, corporate guarantees, Performance
jaminan perusahaan (corporate guarantee), and/or guarantors. Highlights
dan/atau penanggung (guarantor).
2) Kebijakan, prosedur dan proses untuk menilai 2) Policies, procedures, and processes for Management
dan mengelola agunan assessing and managing collateral Report
Pada prinsipnya pemberian pinjaman In principle, lending should be adjusted to the
harus disesuaikan dengan kemampuan borrower’s ability to pay, but the collateral analysis Company
pembayarannya, tetapi analisa jaminan tetap is still required as an alternative resolution if Profile
dibutuhkan sebagai alternatif penyelesaian the loan encounters difficulties. The accepted
apabila pinjaman menjadi bermasalah. Jaminan collateral must be tangible and have high market
Management
yang diterima merupakan jaminan yang materil value (marketable), preferably in the name of Discussion and
dan memiliki nilai pasar yang tinggi (marketable) the prospective borrower. Collateral is assessed Analysis
dan diutamakan atas nama calon debitur. either internally or by independent appraisal
Agunan dilakukan penilaian oleh internal depending on the loan amount, in accordance Business
atau independen appraisal tergantung besar with Financial Services Authority Regulation No. Support
pinjamannya, mengacu pada Peraturan Otoritas 40/POJK.03/2019 regarding the Assessment of Overview
Jasa Keuangan No. 40/POJK.03/2019 tentang Asset Quality of Commercial Banks. For loans
Penilaian Kualitas Aset Bank Umum, pinjaman from a single borrower or group of borrowers CORPORATE
dari debitur atau kelompok peminjam dengan exceeding Rp10 billion, an independent appraisal GOVERNANCE
jumlah lebih dari Rp10 miliar, maka agunan harus is required, while loans from a single borrower or
dilakukan penilaian oleh independen appraisal group of borrowers totaling up to Rp10 billion are Sustainability
sedangkan pinjaman dari debitur atau kelompok appraised internally by the bank. Report
peminjam dengan jumlah sampai dengan Rp10
miliar dilakukan oleh internal appraisal Bank.
3) Pihak-pihak utama pemberi jaminan/garansi dan 3) Main parties providing collateral/guarantees and
kelayakan kredit (creditworthiness) creditworthiness
Untuk menjaga kemungkinan tidak tertagihnya To mitigate the risk of uncollectible loans
kredit yang sudah diberikan kepada debitur, disbursed to borrowers, the Bank may request
maka Bank dapat meminta tambahan agunan additional collateral, including guarantees from
antara lain meminta jaminan dari pihak ketiga third parties and/or unrelated guarantees to
lainnya dan/atau garansi yang tidak berkaitan the financed object, and the Bank will assess
langsung dengan obyek yang dibiayai dan Bank the creditworthiness of these parties. The main
akan menilai kelayakan kredit (creditworthiness) parties providing such guarantees are analyzed
dari pihak-pihak tersebut. Pihak-pihak Utama during the credit process, and their eligibility is
pemberi jaminan/garansi tersebut dianalisis pada determined through the application of the four-
saat proses kredit dan kelayakannya diputuskan eye principle.
dengan penerapan four-eye principles.
Laporan Tahunan & Keberlanjutan
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Page 466
Risiko Pasar Market Risk
Risiko Pasar adalah risiko pada posisi neraca dan rekening Market Risk is the risk to balance sheet positions and
administratif termasuk transaksi derivatif akibat perubahan administrative accounts, including derivative transactions,
secara keseluruhan dari kondisi pasar termasuk risiko due to overall changes in market conditions, including the
perubahan harga option. Risiko Pasar terjadi akibat adanya risk of changes in option prices. Market risk occurs due to
pergerakan variabel pasar (adverse movement) dari the movement of market variables (adverse movement)
portofolio yang dimiliki Bank. Variabel pasar yang dimaksud in the Bank’s portfolio. The market variables are interest
adalah suku bunga dan nilai tukar. Risiko Pasar, antara lain rates and exchange rates. Market risk, among others, is
terdapat pada aktivitas fungsional Bank seperti kegiatan in the Bank’s functional activities, such as treasury and
treasury dan investasi dalam bentuk surat berharga dan investment activities in the form of securities and money
pasar uang maupun penyertaan pada lembaga keuangan market transactions, as well as participation in other financial
lainnya, penyediaan dana (pinjaman dan bentuk sejenis), institutions, the provision of funds (loans and similar forms),
kegiatan pendanaan dan penerbitan surat utang, serta funding activities, and the issuance of debt securities, as well
kegiatan pembiayaan perdagangan(trade finance). as trade finance activities.
464 Bank menerapkan prinsip segregation of duties dengan
memisahkan fungsi dan tanggung jawab secara independen
The Bank implements the principle of segregation of duties
by independently separating functions and responsibilities
Ikhtisar Kinerja
atas transaksi perdagangan treasury, yang terdiri dari Unit for treasury trading transactions, which consist of the Front
2024 Front Office, middle office dan back office. Front office Office, Middle Office, and Back Office units. The Front Office
melakukan aktivitas bisnis dan berhubungan langsung conducts business activities and interacts directly with
Laporan dengan nasabah. Dalam melakukan aktivitasnya, eksposur customers. In carrying out its activities, the risk exposure is
Manajemen risiko yang timbul dibatasi dengan risk appetite & risk limited within the established risk appetite and risk tolerance.
tolerance yang telah ditetapkan.
Profil
Perusahaan
Pemantauan eksposur risiko dan kepatuhan terhadap Monitoring of risk exposure and compliance with risk
limit-limit risiko dilakukan oleh unit independen, yaitu limits is conducted by an independent unit, namely the
Analisis dan
Pembahasan SKMR selaku middle office. Sedangkan proses aktivitas Risk Management Work Unit (SKMR), as the middle office.
Manajemen pembukuan dan settlement transaksi treasury serta proses Meanwhile, the bookkeeping and settlement processes
valuasi portofolio dilakukan oleh Divisi Treasury Settlement of treasury transactions, as well as portfolio valuation, are
Tinjauan sebagai back office. Koordinasi antar unit bisnis (sebagai carried out by the Treasury Settlement Division as the back
Pendukung
Bisnis
Front Office) dan SKMR (sebagai middle office) semakin office. Coordination between business units (as the Front
ditingkatkan, sehingga apabila terdapat potensi risiko bagi Office) and SKMR (as the Middle Office) is enhanced so that
TATA KELOLA Bank dapat segera teridentifikasi dan dapat ditindaklanjuti potential risks to the Bank can be promptly identified and
PERUSAHAAN dengan segera. addressed accordingly.
Laporan Kepemilikan Bank atas surat berharga terdapat pada seluruh The Bank’s ownership of securities is present in all books,
Keberlanjutan buku, yaitu Fair Value Through Profit and Loss (FVTPL), Fair namely Fair Value Through Profit and Loss (FVTPL), Fair
Value Through Other Comprehensive Income (FVOCI) dan Value Through Other Comprehensive Income (FVOCI), and
Amortized Cost (AC). Secara komposisi, mayoritas Surat Amortized Cost (AC). In terms of composition, the majority of
berharga berada pada buku FVOCI, diikuti AC dan FVTPL. securities are in the FVOCI book, followed by AC and FVTPL.
1. Penerapan Manajemen Risiko Pasar 1. Implementation of Market Risk Management
Risiko Pasar dapat terjadi pada seluruh portofolio yang Market risk can occur in the entire portfolio held by the
dimiliki oleh Bank yang mencakup posisi yang dimiliki Bank, encompassing positions held by the Bank in both
oleh Bank baik pada posisi buku trading (trading book) the trading book and the banking book so that market
maupun pada buku Bank (banking book) sehingga risk management is conducted for financial instrument
pengelolaan risiko pasar dilakukan terhadap posisi positions in both the trading book and the banking book.
instrumen keuangan dalam trading book maupun
banking book.
Berdasarkan pada Surat Otoritas Jasa Keuangan No. 23/ Based on Financial Services Authority Letter No. 23/
SEOJK.03/2022 tentang Perhitungan Aset Tertimbang SEOJK.03/2022 on the Calculation of Risk-Weighted
Menurut Risiko untuk Risiko Pasar bagi Bank Umum. Assets for Market Risk in Commercial Banks, any
Setiap instrumen yang dimiliki Bank untuk satu atau lebih instrument owned by the Bank for one or more of the
tujuan berikut ini ditetapkan sebagai instrumen trading following purposes is designated as a trading book
book ketika pertama kali dibukukan: instrument when first booked:
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Page 467
a. Jual beli jangka pendek; a. Short-term trading;
b. Mengambil keuntungan dari pergerakan harga b. Profiting from short-term price movements;
jangka pendek;
c. Mengunci keuntungan arbitrase; dan/atau c. Locking in arbitrage profits; and/or
d. Risiko lindung nilai yang timbul dari instrumen di atas, d. Hedging risks arising from the above instruments,
kecuali memiliki hambatan hukum atau termasuk unless legally constrained or classified as banking book
dalam instrumen yang dikategorikan sebagai instruments.
banking book.
Kemudian, setiap instrumen berikut ini, kecuali memiliki Then, each of the following instruments, unless legally
hambatan hukum atau termasuk dalam instrumen yang constrained or classified as banking book instruments,
dikategorikan sebagai banking book, dianggap dimiliki is considered to be held for at least 1 of the trading book
untuk setidaknya satu dari tujuan trading book sehingga purposes and must therefore be categorized in the
harus dikategorikan dalam trading book. Instrumen trading book. The instruments referred to are:
dimaksud, yaitu:
a. Instrumen pada correlation trading portfolio.
Correlation trading portfolio merupakan seperangkat
a. Instruments in correlation trading portfolio.
The correlation trading portfolio is a set of instruments
465
instrumen yang memenuhi persyaratan di bawah ini: that meet the following criteria:
2024
1) Instrumen dimaksud merupakan posisi 1) The instruments are securitized positions; and Performance
sekuritisasi; dan Highlights
2) Instrumen merupakan lindung nilai non- 2) The instruments are non-securitized hedge
sekuritisasi. positions. Management
b. Instrumen yang akan menimbulkan posisi net short b. Instruments that will result in a net short position on Report
pada kredit atau ekuitas dalam banking book. credit or equity in the banking book.
c. Instrumen yang dihasilkan dari komitmen penjaminan c. Instruments generated from underwriting Company
emisi (underwriting commitments). commitments. Profile
d. Dalam hal credit default swap (CDS) yang digunakan d. In term of a credit default swap (CDS) used to hedge
untuk melindungi kredit pada banking book credit in the banking book but resulting in a net
Management
tetapi menimbulkan posisi net short kredit, maka short credit position, the CDS instrument or similar Discussion and
instrumen CDS dimaksud atau instrumen serupa instruments generating a net short credit position in Analysis
yang menimbulkan posisi net short kredit di banking the banking book must be designated in the trading
book harus ditetapkan dalam trading book, kecuali book, unless explicit trading book treatment is Business
perlakuan trading book secara eksplisit dikecualikan exempted for certain types of positions. Support
untuk jenis posisi tertentu. Overview
e. Instrumen di bawah ini diasumsikan dimiliki dengan e. The following instruments are assumed to be
tujuan trading sehingga dapat dikategorikan sebagai held for trading purposes and therefore, can be CORPORATE
instrumen trading book, kecuali memiliki hambatan categorized as trading book instruments unless GOVERNANCE
hukum atau termasuk dalam instrumen banking legally constrained or included in banking book
book: instruments: Sustainability
1) Instrumen yang dimiliki sebagai aset atau 1) Instruments held as assets or liabilities treated as Report
liabilitas yang diperlakukan sebagai trading trading under accounting standards;
menurut standar akuntansi;
2) Instrumen yang berasal dari aktivitas market- 2) Instruments derived from market-making
making; dan activities; and
3) Investasi ekuitas dalam fund yang memenuhi 3) Equity investments in funds that meet the
persyaratan berikut. following criteria.
a) Bank dapat melakukan look through pada a) The Bank can perform a look-through on
komponen individualnya serta terdapat its individual components, and there is
informasi yang diberikan kepada Bank information provided to the Bank regarding
mengenai komposisi dari fund yang the adequate and periodic composition
memadai dan berkala serta diverifikasi oleh of the fund, as well as being verified by an
pihak ketiga yang independen. independent third party.
b) Bank memperoleh penawaran harga harian b) The Bank obtains daily price quotations for
untuk fund tersebut dan memiliki akses ke the fund and has access to the information
informasi yang tercakup dalam mandat fund covered in the fund’s mandate or laws and
atau dalam ketentuan peraturan perundang- regulations governing the investment fund.
undangan yang mengatur mengenai dana The lookthrough approach is an approach
Laporan Tahunan & Keberlanjutan
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Page 468
investasi tersebut. Adapun pendekatan look where the Bank determines the amount of
through merupakan pendekatan di mana Bank relevant capital charge calculation for the
menentukan besarnya perhitungan beban underlying asset positions as if the positions
modal yang relevan untuk posisi aset yang were held directly by the Bank up to their
mendasari (underlying) seolah-olah posisi individual components.
dimaksud dimiliki secara langsung oleh Bank
sampai dengan komponen individualnya.
f. Transaksi repo yang berkaitan dengan trading, f. Repo transactions related to trading consist of
terdiri dari transaksi yang dilakukan untuk tujuan transactions conducted for the purpose of market-
membentuk pasar (market-making), mengunci making, locking in arbitrage profits, or creating short
keuntungan arbitrase, atau menciptakan posisi short positions in credit or equity.
kredit atau ekuitas.
g. Hak opsi, termasuk derivatif melekat (embedded g. Option rights, including embedded derivatives of
derivative) dari instrumen yang diterbitkan dari instruments issued from the banking book and
banking book dan yang berkaitan dengan risiko related to credit risk or equity risk.
466 kredit atau risiko ekuitas.
Ikhtisar Kinerja
Sementara itu, setiap instrumen yang tidak dimiliki untuk Meanwhile, any instrument not held for trading purposes
2024 tujuan trading sebagaimana dimaksud pada poin-poin di as described in the above points must be categorized
atas, harus dikategorikan ke dalam banking book. into the banking book.
Laporan
Manajemen Risiko Pasar dalam trading book diukur dengan berbagai Market risk in the trading book is measured using various
metodologi antara lain: methodologies, including:
Profil a. Analisa Sensitivitas Nilai Tukar a. Exchange Rate Sensitivity Analisis
Perusahaan
Sensitivitas pada nilai tukar diukur dengan Sensitivity to exchange rates is measured by
menghitung perubahan nilai wajar dari suatu calculating the fair value change of a foreign
Analisis dan
Pembahasan instrumen nilai tukar apabila terdapat pergerakan exchange instrument if there is a movement of one
Manajemen sebesar 1 basis poin pada kurs currency pair yang basis point in the currency pair exchange rate used
digunakan pada instrumen nilai tukar tersebut. for that instrument.
Tinjauan b. Value at Risk (VaR) b. Value at Risk (VaR)
Pendukung
Bisnis
Secara umum, VaR dihitung dengan 3 metode, In general, VaR is calculated using three methods,
Variance Covariance, Historical Simulations dan namely Variance Covariance, Historical Simulations,
TATA KELOLA Monte Carlo. Untuk saat ini, regulator mencukupkan and Monte Carlo. Currently, regulators suffice with
PERUSAHAAN pada metode historical simulations, dikarenakan the historical simulations method, as the variance-
metode variance covariance memiliki kekurangan covariance method has shortcomings, especially for
Laporan terutama pada instrumen di mana faktor risiko instruments where risk factors and instrument values
Keberlanjutan dan nilai instrumen bergerak secara non-linear, move nonlinearly, and Monte Carlo is considered too
dan monte carlo dianggap terlalu mutakhir dan sophisticated and tends to incur higher costs.
cenderung memiliki biaya lebih tinggi.
Metode VaR yang digunakan adalah Historical The VaR method used is Historical Simulations, with
Simulations, dengan total data historis sebanyak 250 a total historical data of 250 days and a determined
hari dan confidence level yang ditentukan, contohnya confidence level, for example, 95% or 99%. The
adalah sebesar 95% atau 99%. VaR Historical VaR Historical Simulations are calculated using
Simulations dihitung menggunakan closing rate/ the closing rate/price for each day, simulating the
price pada tiap harinya, dengan menstimulasikan duration of asset purchases and sales, also known
durasi pembelian dan penjualan aset, atau dikenal as the holding period, which is only one day. Profits
sebagai holding period, hanya sebesar 1 hari. and losses that occur will be the reference for VaR
Keuntungan dan kerugian yang terbentuk akan calculation.
menjadi acuan perhitungan VaR.
c. Present Value of a Basis Point (PV01) c. Present Value of a Basis Point (PV01)
PV01 adalah parameter sensitivitas yang mengukur PV01 is a sensitivity parameter measuring the fair
perubahan nilai wajar dari suatu instrumen apabila value change of an instrument when there is a
terdapat pergerakan sebesar 1 basis poin pada suku movement of one basis point in interest rates.
bunga.
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PT. Bank Sinarmas Tbk. 2024
Page 469
d. Stop Loss Limit d. Stop Loss Limit
Stop loss limit adalah perintah untuk menghentikan A stop loss limit is an order to cease all activities that
segala aktivitas yang menyebabkan kerugian result in losses to the Bank due to the exposure or
kepada Bank akibat dari eksposur atau posisi yang positions held by the Bank in a particular instrument.
dimiliki Bank terhadap suatu instrumen.
e. Foreign Exchange Net Open Position (FXNOP) e. Foreign Exchange Net Open Position (FXNOP)
FX NOP adalah posisi devisa netto yang digunakan FX NOP is the net foreign exchange position used as
sebagai alat ukur eksposur Bank terhadap a measure of the Bank’s exposure to ownership of
kepemilikan atas valuta asing. foreign currencies.
f. Stress Testing Risiko Pasar f. Market Risk Stress Testing
Stress testing risiko pasar adalah parameter yang Market risk stress testing is a parameter used to
digunakan untuk mengukur ketahanan permodalan measure the resilience of the Bank’s capital against
Bank atas pergerakan nilai tukar dan suku bunga movements in exchange rates and interest rates in
pada pasar. the market.
g. Back Testing g. Back Testing
Back testing adalah parameter yang digunakan untuk
mengukur akurasi dari metodologi yang ditetapkan,
Back Testing is a parameter used to measure
the accuracy of the established methodology by
467
dengan membandingkan hasil perhitungan dari comparing the calculation results of the methodology
2024
metodologi dengan kondisi riil yang terjadi. with real-life conditions. Performance
Highlights
Pengelolaan portofolio yang terekspos risiko pasar dalam Portfolio management exposed to market risk in the trading
trading book dengan dilakukan penetapan dan memantau book involves setting and monitoring limits, such as portfolio Management
limit-limit, seperti limit portofolio, limit PV01, dan stop loss limits, PV01 limits, and stop-loss limits. The Bank also Report
limit serta Bank melakukan proses valuasi secara harian conducts daily valuation processes based on transaction
berdasarkan harga transaksi yang terjadi atau kuotasi harga prices or market quotations from independent sources for Company
pasar dari sumber yang independen untuk seluruh instrumen all instruments classified in the trading book and available Profile
yang diklasifikasikan dalam portofolio trading book dan for sale. The primary source of market prices used is from
available for sale. Sumber harga pasar yang digunakan the Indonesia Bond Pricing Agency (IBPA), while other
Management
terutama dari harga pasar yang dikeluarkan oleh Indonesia reference sources such as Refinitiv and Bloomberg are also Discussion and
Bond Pricing Agency (IBPA) serta mempertimbangkan pula considered. Analysis
sumber acuan lainnya seperti, Refinitiv dan Bloomberg.
Business
Pengukuran risiko pasar untuk perhitungan kewajiban Market risk measurement for the calculation of minimum Support
penyediaan modal minimum (KPMM) dihitung dengan capital adequacy (CAR) is calculated using the standardized Overview
pendekatan standar (standardized approach) sesuai dengan approach in accordance with SEOJK No. 23/SEOJK.03/2022
SEOJK No. 23/SEOJK.03/2022 tentang Perhitungan Aset concerning the Calculation of Risk-Weighted Assets (ATMR) CORPORATE
Tertimbang Menurut Risiko (ATMR) untuk Risiko Pasar bagi for Market Risk for Commercial Banks, which is effective on GOVERNANCE
Bank Umum yang mulai diberlakukan pada 1 Januari 2024, January 1, 2024. It includes the calculation of capital charges
yaitu meliputi perhitungan beban modal dengan metode using the sensitivity-based method (SBM), calculation of Sustainability
sensitivities based (SBM), perhitungan beban modal untuk capital charges for default risk capital (DRC), Residual Risk Report
risiko gagal bayar/default risk capital (DRC), tambahan risiko Add-On (RRAO), and Credit valuation adjustment (CVA).
residual / Residual Risk Add-On (RRAO) dan Credit valuation
adjustment (CVA).
Bank telah menetapkan limit-limit untuk membatasi eksposur The Bank has established limits to constrain portfolio
portofolio maupun potensi kerugian yang timbul dari aktivitas exposure and potential losses arising from the Bank’s
bisnis Bank. Pemantauan terhadap limit-limit tersebut business activities. Monitoring of these limits is conducted
dilakukan secara harian sehingga potensi risiko pasar yang daily to promptly mitigate any potential market risks that
timbul diharapkan dapat segera dimitigasi. arise.
Kebijakan pengelolaan risiko nilai tukar berpedoman pada The foreign exchange risk management policy is guided by
batas Posisi Devisa Neto sesuai limit internal bank dan the Net Open Position limit in accordance with the Bank’s
ketentuan Bank Indonesia yaitu Bank wajib mengelola internal limits and Bank Indonesia regulations, which require
dan memelihara Posisi Devisa Neto paling tinggi 20% dari banks to manage and maintain the Net Open Position at a
modal. Bank secara berkala melakukan kaji ulang terhadap maximum of 20% of capital. The Bank periodically reviews
kebijakan-kebijakan terkait Risiko Pasar. Bank menerapkan policies related to Market Risk. The Bank implements an off-
kebijakan off market rate pada transaksi yang dijalankan market rate policy in transactions executed by the Treasury
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Page 470
oleh Treasury dengan tujuan agar rate yang ditransaksikan to ensure that the transacted rate remains within the fair
tidak berada di luar rentang harga wajar pasar, mengingat market price range, considering that deviations may lead to
hal ini dapat menimbulkan potensi kerugian terhadap bank potential losses for the Bank or losses for customers, which
atau kerugian dari sisi nasabah yang akan memicu timbulnya could trigger reputation risks for the Bank.
risiko reputasi pada Bank.
Bank senantiasa memantau dan mengukur kecukupan The Bank continuously monitors and measures the adequacy
modal yang dialokasikan untuk menutupi potensi kerugian of capital allocated to cover potential losses arising from
yang timbul dari risiko pasar, baik risiko nilai tukar maupun market risks, including both foreign exchange and interest
risiko suku bunga. Pengukuran dilakukan dengan skenario: rate risks. Measurements are conducted using scenarios:
pergerakan nilai tukar dan suku bunga diasumsikan dalam exchange rate and interest rate movements are assumed
kondisi normal hingga kondisi terburuk. under normal conditions to worst-case scenarios.
Bank telah menetapkan limit-limit untuk membatasi eksposur The Bank has set limits to constrain portfolio exposure and
portofolio maupun potensi kerugian yang timbul dari aktivitas potential losses arising from the Bank’s business activities.
468 bisnis Bank. Pemantauan terhadap limit-limit tersebut
dilakukan secara harian sehingga potensi risiko pasar yang
Monitoring of these limits is conducted daily to promptly
mitigate any potential market risks that arise.
Ikhtisar Kinerja
timbul diharapkan dapat segera dimitigasi.
2024
2. Penerapan Manajemen Risiko Suku Bunga pada Buku 2. Implementation of Risk Management for the Interest
Laporan Bank (IRRBB) Rate in the Banking Book (IRRBB)
Manajemen Risiko Suku Bunga dalam banking book atau Interest Interest Rate Risk in the Banking Book (IRRBB), is the
Rate Risk in The Banking Book (IRRBB) merupakan risiko risk resulting from interest rate movements in the market
Profil akibat pergerakan suku bunga di pasar yang berlawanan that are opposite to the banking book positions, which
Perusahaan
dengan posisi banking book, yang berpotensi potentially impact the Bank’s capital and earnings, both
memberikan dampak terhadap permodalan dan at present and in the future.
Analisis dan
Pembahasan rentabilitas (earnings) Bank baik untuk saat ini maupun
Manajemen pada masa mendatang.
Tinjauan Pada banking book, risiko suku bunga dikelola dengan In the banking book, interest rate risk is managed by
Pendukung
Bisnis
melakukan analisa repricing gap antara risk sensitive analyzing the repricing gap between risk-sensitive
asset (RSA) dan risk sensitive liabilities (RSL). Analisa assets (RSA) and risk-sensitive liabilities (RSL). This
TATA KELOLA dilakukan untuk mengukur sensitivitas pendapatan analysis is conducted to measure the sensitivity of net
PERUSAHAAN bunga bersih dan kecukupan permodalan atas interest income and the adequacy of capital to interest
pergerakan suku bunga. rate movements.
Laporan
Keberlanjutan Bank melakukan proses identifikasi, pengukuran The Bank conducts identification, measurement, and
dan pengendalian atas risiko suku bunga di banking controlling processes of interest rate risk in the banking
book. Risiko tersebut timbul akibat dari posisi aset dan book. This risk arises from positions of assets and
kewajiban yang mempunyai perbedaan antara waktu liabilities that have differences between the timing of
perubahan suku bunga dan arus kas (repricing risk), interest rate changes and cash flows (repricing risk),
perubahan keterkaitan suku bunga dari beberapa yield changes in the connection of interest rates from several
curve dengan posisi berbeda yang mempengaruhi yield curves with different positions that affect the
aktivitas Bank (basis risk), perubahan keterkaitan suku Bank’s activities (basis risk), changes in the connection
bunga pada rentang jatuh tempo (yield curve risk), dan of interest rates across maturity ranges (yield curve
suku bunga terkait option embedded dalam produk risk), and interest rates related to options embedded in
banking book (option risk). banking book products (option risk).
Dalam melakukan pengukuran risiko IRRBB, Bank In measuring IRRBB risk, the Bank uses 2 (two) methods,
menggunakan 2 (dua) metode yaitu berdasarkan namely based on changes in the economic value of equity
perubahan pada nilai ekonomis dari ekuitas (economic (ΔEVE) or ΔEVE and measurement based on changes in
value of equity) atau disingkat ∆EVE dan pengukuran net interest income (NII) or ΔNII, which includes interest
berdasarkan perubahan pada pendapatan bunga bersih rate shock scenarios and stress scenarios according to
(net interest income) atau disingkat ∆NII yang mencakup the time scale regulated in Financial Services Authority
skenario shock suku bunga dan skenario stress sesuai Circular Letter No. 12/SEOJK.03/2018.
dengan skala waktu yang diatur pada Surat Edaran
Otoritas Jasa Keuangan No. 12/SEOJK.03/2018.
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Bank melakukan perhitungan IRRBB untuk setiap posisi The Bank calculates IRRBB for each end-of-month
akhir bulan laporan dan melakukan pelaporan kepada position in the report and reports to the regulator,
regulator serta pelaporan publikasi untuk setiap posisi as well as public reporting for each end-of-quarter
akhir triwulan laporan sesuai ketentuan yang berlaku. position, according to applicable regulations. Sensitivity
Pengukuran sensitivitas terhadap IRRBB dilakukan measurements to IRRBB are conducted in accordance
sesuai ketentuan dalam Surat Edaran Otoritas Jasa with the provisions in Financial Services Authority
Keuangan No. 12/SEOJK.03/2018, sebagai berikut. Circular No. 12/SEOJK.03/2018, as follows:
a. Perhitungan IRRBB memperhitungkan keseluruhan a. IRRBB calculations consider the entire banking
posisi banking book dan dikelompokkan book positions and are grouped based on material
berdasarkan posisi mata uang yang material bagi currency positions for the Bank.
Bank.
b. Pengukuran risiko IRRBB menggunakan metode b. IRRBB risk measurement uses the ∆EVE and ∆NII
∆EVE dan ∆NII. methods.
c. Perhitungan ∆EVE tidak memperhitungkan c. ∆EVE calculations do not consider the commercial
keberadaan margin komersial dalam arus kas dan margin in cash flows and are discounted with the
dilakukan diskonto dengan risk free rate pada
tanggal pelaporan.
risk-free rate on the reporting date.
469
2024
Skenario shock suku bunga yang digunakan Bank dalam The interest rate shock scenario used by banks in measuring Performance
pengukuran IRRBB mengacu pada Surat Edaran Otoritas IRRBB refers to Financial Services Authority Circular No. 12/ Highlights
Jasa Keuangan No. 12/SEOJK.03/2018, sebagai berikut. SEOJK.03/2018, as follows:
a. Metode EVE menggunakan 6 skenario shock suku a. The EVE method using six interest rate shock scenarios, Management
bunga, yaitu: namely: Report
1) Parallel Up: Shock suku bunga yang paralel ke atas. 1) Parallel Up: an interest rate shock that is parallel to
2) Parallel Down: Shock suku bunga yang paralel ke the top. Company
bawah. 2) Parallel Down: an interest rate shock that is parallel Profile
3) Steepener: Shock suku bunga yang melandai to the bottom.
dengan suku bunga jangka pendek menurun dan 3) Steepener: a sloping interest rate shock with short-
Management
suku bunga jangka panjang meningkat (short rates term interest rates decreasing and long-term interest Discussion and
down dan long rates up). rates increasing (short rates down and long rates up). Analysis
4) Flattener: Shock suku bunga yang mendatar dengan 4) Flattener: A flat interest rate shock characterized
perpaduan suku bunga jangka pendek meningkat by an increase in short-term interest rates and a Business
dan suku bunga jangka panjang menurun. decrease in long-term interest rates. Support
5) Short Up: Shock suku bunga jangka pendek yang 5) Short Up: An increase in short-term interest rates Overview
meningkat. shock.
6) Short Down: Shock suku bunga jangka pendek yang 6) Short Down: A decrease in short-term interest rates CORPORATE
menurun. shock. GOVERNANCE
b. Metode NII menggunakan 2 skenario shock suku bunga, b. The NII method uses two interest rate shock scenarios,
yaitu: as follows: Sustainability
1) Parallel Up: Shock suku bunga yang paralel ke atas. 1) Parallel Up: An interest rate shock that is parallel to Report
the top.
2) Parallel Down: Shock suku bunga yang paralel ke 2) Parallel Down: An interest rate shock that is parallel
bawah. to the bottom.
Berikut adalah asumsi utama pemodelan dan parametrik Here are the main modeling assumptions and parametric
yang digunakan Bank. used by the Bank:
a. Perhitungan ∆EVE tidak memperhitungkan keberadaan a. The calculation of ∆EVE does not consider the presence
margin komersial dalam arus kas dan dilakukan diskonto of commercial margin in cash flows and is discounted
dengan risk free rate pada tanggal pelaporan. with the risk-free rate on the reporting date.
b. Bank menetapkan rata-rata jatuh tempo (repricing b. The Bank sets the average repricing maturities of NMD
maturities) NMD berdasarkan metodologi core deposit based on the current core deposit methodology of the
yang saat ini berlaku di Bank dengan menerapkan Bank by applying the maximum core set by the regulator.
maksimal core yang ditetapkan oleh regulator.
c. Bank saat ini belum dapat mengestimasi prepayment c. Currently, the Bank is unable to estimate the prepayment
rate dari pinjaman dan early redemption rate untuk rate for loans and the early redemption rate for time
deposito berjangka. deposits.
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d. Bank mengukur IRRBB untuk mata uang yang signifikan d. The Bank measures IRRBB for significant currencies
terhadap Total Aset atau Liabilitas mengikuti ketentuan against Total Assets or Liabilities following regulatory
regulator yakni IDR dan USD. Selanjutnya dalam requirements, namely IDR and USD. Furthermore, in
menghitung ΔEVE dan ΔNII dilakukan agregasi dari calculating ΔEVE and ΔNII, aggregation is performed for
kedua mata uang tersebut. both currencies.
Risiko Likuiditas Liquidity Ratio
Risiko likuiditas adalah risiko akibat ketidakmampuan Bank Liquidity risk is the risk resulting from the Bank’s inability to
untuk memenuhi kewajiban yang jatuh tempo dari sumber meet maturing obligations from cash flow funding sources
pendanaan arus kas dan/atau dari aset likuid berkualitas and/or from high-quality liquid assets that can be easily
tinggi yang dapat diagunkan, tanpa mengganggu aktivitas monetized, without disrupting the Bank’s activities and
dan kondisi keuangan Bank. Pengelolaan risiko likuiditas financial condition. Managing liquidity risk is one of the
merupakan salah satu aktivitas terpenting yang dilakukan most important activities carried out by the Bank aiming at
oleh Bank yang bertujuan untuk meminimalkan kemungkinan minimizing the possibility of the Bank’s inability to obtain
ketidakmampuan Bank dalam memperoleh sumber cash flow funding sources.
470 pendanaan arus kas.
Ikhtisar Kinerja
Salah satu upaya yang dilakukan Bank untuk memitigasi One of the efforts made by the Bank to mitigate liquidity risk
2024 terjadinya risiko likuiditas adalah dibentuknya Tim Asset is the establishment of an Asset Liability Management (ALMA)
Liability Management (ALMA) yang berfungsi mengelola Team, which functions to manage and monitor the structure
Laporan dan memonitor struktur aktiva dan kewajiban serta membuat of assets and liabilities and develop funding strategies for
Manajemen strategi pendanaan Bank. the Bank.
Profil Dalam penerapan manajemen risiko likuiditas, Bank In the implementation of liquidity risk management, the
Perusahaan
melakukan pemantauan likuiditas secara berkala, yang Bank conducts regular liquidity monitoring, which includes
mencakup rasio-rasio likuiditas Bank diantaranya giro wajib the Bank’s liquidity ratios, including minimum reserve
Analisis dan
Pembahasan minimum (GWM), giro RIM, rasio intermediasi makroprudensial requirement (GWM), RIM, macroprudential intermediation
Manajemen (RIM), Penyangga Likuiditas Makroprudensial (PLM), liquidity ratio (RIM), Macroprudential Liquidity Buffer (PLM), liquidity
coverage ratio (LCR), dan net stable funding ratio (NSFR), coverage ratio (LCR), and net stable funding ratio (NSFR),
Tinjauan Pergerakan Deposan Inti, Laporan Maximum Cumulative Core Depositor Movement, Maximum Cumulative Outflow
Pendukung
Bisnis
Outflow (MCO), Laporan Early Warning Indicator (EWI), (MCO) Report, Early Warning Indicator (EWI) Report, Risk
Laporan Risk Appetie dan Risk Tolerance (RART) dan Stress Appetie and Risk Tolerance (RART) Report, and liquidity
TATA KELOLA Testing likuiditas guna memastikan kecukupan likuiditas Stress Testing to ensure the Bank’s liquidity adequacy to
PERUSAHAAN Bank untuk memenuhi penarikan dana nasabah pada meet customer’s fund withdrawal in crisis condition.
kondisi krisis.
Laporan
Keberlanjutan Liquidity Coverage Ratio (LCR) Bank berada pada level The Bank’s Liquidity Coverage Ratio (LCR) is highly adequate,
yang sangat memadai dengan komposisi high quality liquid with the largest composition of high-quality liquid assets
asset (HQLA) terbesar berasal dari HQLA Level 1 berupa (HQLA) derived from Level 1 HQLA in the form of placements
penempatan pada Bank Indonesia dan Surat Berharga yang with Bank Indonesia and Securities issued by the Central
diterbitkan Pemerintah Pusat dan Bank Indonesia. Selain itu, Government and Bank Indonesia. In addition, the Bank’s
rasio NSFR Bank juga selalu berada di atas batas minimum NSFR ratio is always above the minimum limit set by the
yang ditetapkan oleh regulator (100%). Ketersediaan stable regulator (100%). The availability of stable funding owned by
funding yang dimiliki Bank mencukupi untuk menutupi the Bank is sufficient to cover the necessary funding needs,
kebutuhan dana yang diperlukan di mana komposisi terbesar where the largest composition of fund sources comes from
sumber dana berasal dari Simpanan terutama simpanan Savings, especially savings from individual customers and
yang berasal dari nasabah perorangan dan pendanaan yang funding from micro and small business customers.
berasal dari nasabah usaha mikro dan kecil.
Dalam memastikan pengelolaan risiko likuiditas sudah To ensure that liquidity risk management is in line with the
sejalan dengan ketentuan/regulasi yang dikeluarkan oleh provisions/regulations issued by the regulator and as a
regulator dan sebagai dasar dalam melakukan identifikasi, basis for identifying, analyzing, monitoring, and controlling
analisa, pemantauan dan pengendalian risiko maka risks, the Bank conducts periodic reviews of its policies,
dilakukan kajian secara berkala terkait kebijakan, prosedur, procedures, limits, budgets, and methodologies.
limit, anggaran dan metodologi yang dimiliki oleh Bank.
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
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Untuk memitigasi penarikan dana yang cukup signifikan, To mitigate significant withdrawal of funds, the Bank maintains
Bank menjaga kecukupan aset likuid pada level yang an adequate level of liquid assets. Liquidity risk mitigation is
aman. Mitigasi risiko likuiditas juga dilakukan dengan cara also carried out by monitoring cash flows by the Treasury,
monitoring arus kas oleh Treasury yang memiliki akses which has direct access to large customers and has access
langsung kepada nasabah-nasabah besar dan mempunyai to enter both interbank and non-bank markets to conduct
akses untuk memasuki pasar antar bank maupun non-bank placing and taking activities.
untuk melakukan aktivitas placing maupun taking.
Bank secara berkala melakukan simulasi stress testing The Bank periodically conducts liquidity stress testing
likuiditas dengan asumsi dan skenario dari kondisi biasa simulations with assumptions and scenarios ranging from
(mild) sampai dengan kondisi terburuk (severe) untuk melihat mild to severe conditions to assess the Bank’s liquidity
ketahanan likuiditas Bank pada kondisi krisis. Dalam hal jika resilience during crises. If the Bank enters a liquidity crisis,
Bank memasuki kondisi krisis likuiditas, Bank telah menyusun the Bank has prepared Contingency Funding Plan and
dokumen Contingency Funding Plan dan dokumen Pinjaman Short-Term Liquidity Loan documents. These documents
Likuiditas Jangka Pendek. Dokumen terkait Contingency include policies, strategies, procedures, and action plans
Funding Plan dan Pinjaman Likuiditas Jangka Pendek
mencakup kebijakan, strategi, prosedur dan rencana tindak
to ensure the Bank’s ability to obtain necessary funding
sources promptly and at reasonable costs. Testing of the
471
(action plan) untuk memastikan kemampuan Bank memperoleh Contingency Funding Plan and Short-Term Liquidity Loan is
2024
sumber pendanaan yang diperlukan secara tepat waktu dan conducted regularly by the Bank to assess the availability Performance
dengan biaya yang wajar. Uji Coba Contingency Funding and capability of the Bank to obtain funding, especially when Highlights
Plan dan Pinjaman Likuiditas Jangka Pendek secara berkala facing liquidity stress conditions.
dilakukan oleh Bank untuk mengetahui ketersediaan dan Management
kemampuan Bank dalam memperoleh pendanaan terutama Report
dalam menghadapi kondisi stress likuiditas.
Company
Pada dasarnya, risiko likuiditas dikelola sesuai dengan Basically, liquidity risk is managed according to a framework Profile
kerangka kebijakan, pengawasan, dan batasan yang of policies, monitoring, and limitations to ensure minimal
memastikan bahwa konsentrasi pendanaan bersifat minimal, concentration of funding, as well as diversified funding
Management
sumber dan jangka waktu pendanaan telah terdiversifikasi. sources and durations. The Bank also proactively manages Discussion and
Bank juga secara proaktif mengelola basis simpanan inti dan its core deposit base and ensures compliance with existing Analysis
memastikan bahwa batas likuiditas yang ada dipatuhi. liquidity limits.
Business
Risiko Operasional Operational Risk Support
Risiko operasional dapat disebabkan oleh ketidakcukupan Operational risk can be caused by inadequacy and/or Overview
dan/atau tidak berfungsinya proses internal, kesalahan malfunctioning of internal processes, human errors, system
manusia, kegagalan sistem, atau adanya faktor eksternal failures, or external factors affecting the Bank’s operations. CORPORATE
yang mempengaruhi operasional Bank. GOVERNANCE
Pengelolaan risiko operasional didukung dengan struktur Operational risk management is supported by the Bank’s Sustainability
organisasi Bank yang mencakup: organizational structure, which includes: Report
1. Komite Pemantau Risiko: melakukan fungsi pengawasan 1. Risk Monitoring Committee: supervises and provides
dan memberikan arahan terkait dengan Manajemen guidance on the Bank’s Risk Management functions.
Risiko Bank.
2. Komite Manajemen Risiko: melakukan pengawasan atas 2. Risk Management Committee: supervises the risk
pengelolaan risiko yang dijalankan oleh Bank. management conducted by the Bank.
3. Direksi dan Komisaris, memastikan kebijakan terkait 3. The Board of Directors and Board of Commissioners,
risiko operasional sejalan dengan strategi manajemen ensures that policies related to operational risk are
risiko Bank dan melakukan pemantauan terhadap aligned with the Bank’s risk management strategy
implementasi pengelolaan risiko operasional. and monitors the implementation of operational risk
4. Unit Kerja (lini pertama), merupakan risk owner yang management.
bertanggung jawab untuk pengelolaan manajemen 4. Work Unit (first line), is the risk owners responsible for
risiko pada aktivitas operasional harian. managing risk management in daily operational activities.
5. Risk Management Group (lini kedua), melakukan 5. The Risk Management Group (second line), conducts risk
identifikasi, pengukuran, monitoring terhadap risiko, serta identification, measurement, monitoring, and provides
memberikan rekomendasi untuk peningkatan kualitas recommendations for improving control quality to the
kontrol kepada unit kerja terkait dengan menggunakan work units related, using operational risk tools.
operational risk tools.
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2024 PT. Bank Sinarmas Tbk.
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6. Internal Audit (lini ketiga), memastikan bahwa risiko 6. Internal Audit (third line), ensures that identified risks
yang teridentifikasi telah dikelola dengan baik serta are well managed and ensures the effectiveness of risk
memastikan keefektifan pelaksanaan manajemen risiko management and internal control implementation by
dan internal kontrol oleh unit-unit bisnis. business units.
Bank melaksanakan Risk Control Self-Assessment (RCSA) The Bank periodically conducts Risk Control Self-Assessment
secara berkala untuk mengidentifikasi dan mengukur (RCSA) to identify and measure operational and information
risiko operasional dan teknologi informasi serta internal technology risks, as well as internal controls carried out by
kontrol yang telah dilakukan oleh lini pertama (unit kerja) the first line (work units). This process involves focus group
dan dilakukan focus group discussion, penilaian dan discussions, assessment, and document validation by the
validasi dokumen oleh lini kedua (Operational dan IT Risk second line (Operational and IT Risk Management) and
Management ), dan dilakukan validasi atau audit mengenai validation or audit regarding accuracy and reliability by the
keakuratan dan keandalannya oleh lini ketiga. Pencatatan third line. Operational events are recorded by the Bank using
atas kejadian operasional telah dilakukan Bank dengan a loss event database (LED), where details of the events and
menggunakan loss event database (LED) di mana detail the value of losses (both financial and non-financial) are
472 kejadian dan nilai kerugian (financial dan non-financial) yang
terjadi dicatat. Kelemahan yang ada telah ditindaklanjuti
recorded. Identified weaknesses are followed up for process
improvement and to minimize the occurrence of recurring
Ikhtisar Kinerja
untuk penyempurnaan proses dan meminimalkan terjadinya events.
2024 pengulangan kejadian.
Laporan Bank juga memiliki perangkat risiko operasional berupa Key The Bank also has operational risk tools in the form of Key
Manajemen Risk Indicators (KRI) yang digunakan untuk mengidentifikasi Risk Indicators (KRI) used to identify or provide an indicator
atau memberikan suatu indikator (early warning signal) dan (early warning signal) and analyze risks earlier concerning the
Profil menganalisa risiko sejak dini atas naik turunnya indikator- fluctuations of risk level indicators in order to control every
Perusahaan
indikator tingkat risiko dalam rangka pengendalian setiap operational risk inherent in each business and operational
risiko operasional yang melekat pada setiap aktivitas bisnis activity of the Bank.
Analisis dan
Pembahasan dan operasional Bank.
Manajemen
Mitigasi risiko operasional dilakukan melalui: Operational risk mitigation is carried out through:
Tinjauan 1. Risk assessment terhadap inisiatif produk dan aktivitas 1. Risk assessment of new product initiatives and activities,
Pendukung
Bisnis
baru, kebijakan dan prosedur, user access matrix yang policies and procedures, and user access matrices
dimiliki oleh Bank. owned by the Bank.
TATA KELOLA 2. Melakukan pengukuran risiko operasional dengan 2. Conducting operational risk measurement through
PERUSAHAAN penerapan RCSA yang dilakukan secara komprehensif comprehensive RCSA implementation carried out by the
oleh lini pertama (unit kerja) dan lini kedua (operational first line (work units) and the second line (operational risk
Laporan risk management). management).
Keberlanjutan 3. Pencatatan atas kejadian operasional baik yang 3. Recording of operational events, whether causing
menimbulkan kerugian finansial maupun tidak dalam financial losses or not, in the Loss Event Database (LED).
LED.
4. Pengembangan KRI untuk unit kerja yang pengukurannya 4. Development of Key Risk Indicators (KRI) for work units
dilakukan secara berkala. with periodic measurement.
5. Dilakukan penerapan Strategi Anti-Fraud dalam rangka 5. Implementation of Anti-Fraud Strategy to control
pengendalian potensi risiko fraud, baik dari internal potential fraud risks, both internal and external. The
maupun eksternal. Penerapan Strategi Anti-Fraud juga implementation of the Anti-Fraud Strategy is also
didukung oleh kebijakan serta sistem yang digunakan, supported by policies and systems used, such as the
seperti Fraud Detection System. Fraud Detection System.
6. Penerapan internal control yang memadai antara lain 6. Adequate internal control implementation includes
melalui implementasi Segregation of Duties (SoD)/ the implementation of Segregation of Duties (SoD) to
pemisahan yang jelas terhadap tugas dan tanggung clearly separate tasks and responsibilities in each work
jawab pada setiap unit kerja, implementasi fungsi unit and the implementation of dual control functions in
dual control dalam aktivitas transaksional dan/atau transactional and/or operational activities.
operasional.
7. Training dan sosialisasi berkala untuk meningkatkan 7. Periodic training and socialization to enhance the
kompetensi sumber daya manusia (SDM). competency of human resources.
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Page 475
Risiko Hukum Legal Risk
Risiko hukum diidentifikasi sebagai risiko yang timbul dari Legal risk is identified as the risk arising from weaknesses
kelemahan aspek hukum. Hal itu, antara lain akibat dari in legal aspects. This includes, among others, the results of
tindakan hukum, tidak adanya peraturan yang mendukung legal actions, lack of supporting regulations, or weaknesses
atau kelemahan dari ketentuan-ketentuan yang mengikat in legally binding provisions, such as failure to comply with
secara hukum, seperti kegagalan untuk mematuhi legal requirements of an agreement and gaps in security
persyaratan hukum suatu perjanjian dan celah-celah dalam arrangements.
pengikatan jaminan.
Perkembangan dan dinamika transaksi memerlukan The development and dynamics of transactions require
peningkatan optimalisasi atas peran dan Fungsi Legal yang optimal enhancement of the role and function of existing
ada. Dalam setiap aktivitas, baik perkreditan, operasional Legal departments. In every activity, whether in lending,
maupun treasury, Bank juga selalu memperhatikan operations, or treasury, the Bank also always pays attention
kelengkapan aspek hukum, terutama yang berkaitan to the completeness of legal aspects, especially those
dengan aktivitas perikatan perjanjian dengan nasabah/ related to contractual agreements with customers/debtors,
debitur dan kelengkapan dokumen legalitas sebagai bentuk
pengendalian risiko.
and the completeness of legal documents as a form of risk
control.
473
2024
Sejumlah upaya yang telah dilakukan Bank untuk memperbaiki A number of efforts have been made by the Bank to address Performance
kelemahan-kelemahan terkait perjanjian, antara lain dengan weaknesses related to agreements, including conducting a Highlights
melakukan review ulang dan pemutakhiran perjanjian kerja review and updating cooperation agreements that no longer
sama yang sudah tidak sesuai dengan pelaksanaan, program align with implementation, training programs for employees, Management
pelatihan bagi karyawan, sosialisasi guna membangun budaya dissemination program to foster a culture of legal risk Report
sadar risiko hukum dan kepatuhan pada seluruh aspek lini awareness and compliance with all aspects of the Bank’s
Bank serta efektivitas terhadap pengendalian internal. operations, and effectiveness of internal controls. Company
Profile
Risiko Stratejik Strategic Risk
Secara umum, Risiko Stratejik adalah potensi kerugian yang Generally, Strategic Risk is the potential loss resulting from
Management
ditimbulkan akibat ketidaktepatan dalam pembuatan dan inaccuracies in making and implementing strategic decisions, Discussion and
pelaksanaan suatu keputusan strategis, serta kegagalan as well as the Bank’s inability to respond to changes in the Analysis
Bank dalam menanggapi perubahan lingkungan bisnis. business environment.
Business
Bank telah membentuk Komite Manajemen Risiko dan Satuan The Bank established a Risk Management Committee and Support
Kerja Manajemen Risiko yang bertujuan untuk menunjang Risk Management Work Unit to support comprehensive, Overview
pengelolaan risiko yang menyeluruh, terpadu, terukur dan integrated, measurable, and controllable risk management.
terkendali. Setiap komite ini didukung oleh grup kerja (working Each of these committees is supported by a working group CORPORATE
group) yang anggotanya terdiri dari grup-grup yang terkait whose members consist of groups directly related to the risk GOVERNANCE
langsung dengan permasalahan risiko yang termasuk dalam issues included in the scope of the committee, one of which
cakupan komite dimaksud salah satunya terkait dengan risiko is related to strategic risk such as the Finance Performance Sustainability
stratejik seperti Finance Performance Group. Group. Report
Pengelolaan risiko Bank diatur dalam suatu kebijakan The Bank’s risk management is regulated in a bank risk
manajemen risiko bank yang disusun dengan mengacu management policy prepared with reference to Bank
pada Peraturan Bank Indonesia (PBI), Peraturan Otoritas Indonesia Regulations (PBI), Financial Services Authority
Jasa Keuangan (POJK), ketentuan Basel dan international Regulations (POJK), Basel provisions, and international
best practices. Kebijakan ini ditinjau secara rutin untuk best practices. Kebijakan ini ditinjau secara rutin untuk
mengantisipasi perubahan kondisi bisnis, regulasi, dan mengantisipasi perubahan kondisi bisnis, regulasi, dan
kondisi internal Bank. kondisi internal Bank.
Dalam melakukan pengelolaan risiko strategis, Bank telah In managing strategic risk, the Bank has developed strategies
menyusun strategi dan rencana bisnis yang sebelumnya and business plans that have previously been discussed
telah didiskusikan dengan Dewan Komisaris dan Direksi. with the Board of Commissioners and Board of Directors.
Bank senantiasa melakukan review kinerja dan evaluasi The Bank constantly reviews performance and evaluates the
kebijakan penyusunan target bisnis dan melakukan langkah- policy for preparing business targets and takes corrective
langkah perbaikan dalam menyusun rencana strategi dan steps in preparing strategic plans and business targets by
target bisnis dengan mempertimbangkan kondisi internal considering internal and external conditions, if necessary.
dan eksternal, apabila diperlukan.
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Pengukuran kinerja Bank dilakukan dengan melakukan Bank performance measurement is conducted by regularly
monitoring secara berkala melalui laporan-laporan yang monitoring through reports directed to the Board of Directors
ditujukan kepada Direksi serta kantor cabang/unit kerja and relevant branch offices/work units.
terkait.
Pada akhir tahun 31 Desember 2024, Bank telah mencapai At the end of the year, December 31, 2024, the Bank
realisasi yang baik pada pos-pos keuangan seperti Laba, achieved good realization on financial items such as Profit,
CAR, NPL Gross, NPL Net, ROE, ROA, dan BOPO. Hal ini CAR, Gross NPL, Net NPL, ROE, ROA, and BOPO. It shows
menunjukkan bahwa Bank secara bertahap melakukan that the Bank gradually makes improvements to the entire
penyempurnaan pada seluruh proses aktivitas bisnis Bank process of the Bank’s business activities to further accelerate
untuk lebih mengakselerasi pencapaian kinerja sesuai the achievement of performance in accordance with the
dengan target yang ditentukan. specified targets.
Sesuai dengan Rencana Stratejik Bank, maka Bank telah In accordance with the Bank’s Strategic Plan, the Bank
melaksanakan spin off UUS menjadi PT Bank Nano Syariah carried out the UUS spin off into PT Bank Nano Syariah in
474 pada Januari 2024 dan pengembangan Digital Banking yang
bekerja sama dengan pihak ketiga dalam rangka pemberian
January 2024 and the development of Digital Banking in
collaboration with third parties in order to provide credit
Ikhtisar Kinerja
kredit melalui platform mobile banking (Digital Loan) secara through the mobile banking platform (Digital Loan) in stages.
2024 bertahap.
Laporan Pengembangan bisnis Bank pada tahun 2024, yaitu dengan The Bank’s business development in 2024 involved
Manajemen melakukan diversifikasi produk dengan mengembangkan diversifying products by developing several new products/
beberapa produk/aktivitas baru, seperti: activities, such as:
Profil 1. Reksana Dana Indeks Simas Sri-Kehati, yaitu reksa dana 1. Simas Sri-Kehati Index Mutual Fund, a Sri-Kehati-based
Perusahaan
berbasis Sri-Kehati yang bertujuan untuk memperoleh mutual fund that aims to obtain optimal income in the
pendapatan yang optimal dalam jangka panjang dengan long term with a level of flexibility.
Analisis dan
Pembahasan tingkat fleksibilitas.
Manajemen 2. Unit Link Premi Sekaligus / SPUL, yaitu produk asuransi 2. Unit Link Premi Sekaligus/SPUL, an insurance product
yang dikaitkan dengan investasi (Unit Link) dengan linked to investment (Unit Link) with a lump sum premium
Tinjauan pembayaran premi sekaligus yang memberikan manfaat payment that provides life insurance benefits and
Pendukung
Bisnis
asuransi jiwa dan pilihan asuransi tambahan serta additional insurance and investment options.
investasi.
TATA KELOLA 3. Marketing Management Plattform, yaitu tools untuk 3. Marketing Management Plattform, a tool to manage
PERUSAHAAN melakukan pengelolaan aktivitas marketing secara marketing activities digitally, from campaign management
digital, mulai dari campaign management hingga to performance marketing.
Laporan performance marketing.
Keberlanjutan 4. Reksa Dana Terpotreksi STAR Protected 23, yaitu reksa 4. STAR Protected 23 Mutual Fund, a mutual fund that will
dana yang akan memproteksi 100% pokok investasi protect 100% of the Investor’s investment principal at
Investor pada saat jatuh tempo, dengan fitur khusus maturity, with a special feature of protection (but not a
adanya proteksi (namun bukan jaminan) terhadap nilai guarantee) of the initial investment principal value if there
pokok investasi awal jika tidak terjadi wan-prestasi (gagal is no default of the issuer of the bonds/debt securities
bayar) dari Emiten penerbit obligasi / surat hutang yang used (in Rupiah currency).
digunakan (dalam mata uang Rupiah).
5. Unit Link Premi Berkala / RPUL / Pengganti Simas Magna 5. Periodic Premium Link Unit/RPUL/Simas Magna Link
Link, yaitu produk asuransi yang dikaitkan dengan Replacement, an insurance product linked to investment
investasi (Unit Link) dengan pembayaran premi berkala (Unit Link) with periodic premium payments that provide
yang memberikan manfaat asuransi jiwa dan pilihan life insurance benefits and additional insurance and
asuransi tambahan serta investasi. investment options.
6. Sinergi Perbankan (dalam rangka spin off UUS menjadi 6. Banking Synergy (in the context of UUS spin off into BUS),
BUS), yaitu kerja sama antara BUK dan BUS hasil spin namely cooperation between BUK and BUS spin off
off melalui pengoptimalan sumber daya Bank Umum results through optimizing Commercial Bank resources
untuk menunjang pelaksanaan kegiatan BUS yang to support the implementation of BUS activities that
memberikan nilai tambah bagi BUS dan Bank Umum. provide added value to BUS and Commercial Banks.
7. Term ROP (DMTM), yaitu produk asuransi jiwa berjangka 7. Term ROP (DMTM), a term life insurance product that
yang memberikan manfaat perlindungan jiwa selama provides life protection benefits for 12 years and premium
12 tahun dan manfaat pengembalian premi pada tahun return benefits in the 8th policy year.
polis ke-8.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 477
8. Pengembangan bisnis acquiring untuk transaksi 8. Development of acquiring business for payment
pembayaran menggunakan contactless dan lainnya transactions using contactless and others in collaboration
kerjasama dengan lembaga switching (GPN) dan with switching institutions (NPG) and international
principal internasional, termasuk Kartu Kredit Indonesia principals, including Indonesian Credit Cards (KKI),
(KKI), yaitu pengembangan issuing & acquiring untuk namely the development of issuing & acquiring to receive
menerima pembayaran, bekerja sama dengan lembaga payments, in collaboration with switching institutions
switching (GPN), principal internasional ataupun pihak (NPG), international principals or other third parties such
ketiga lainnya seperti fitur contactless pada EDC, as contactless features on EDC, cardless withdrawals,
cardless withdraw, dan lain-lain. etc.
9. Kerja sama tarik dan setor dengan Pihak Ketiga, sehingga 9. Cooperation of withdrawal and deposit with third
nasabah Bank Sinarmas dapat melakukan transaksi tarik parties, so that Bank Sinarmas’ customers can conduct
dan setor tunai melalui pihak ketiga. cash withdrawal and deposit transactions through third
parties.
Bank senantiasa menjaga efektivitas serta efisiensi dari The Bank continues to maintain the effectiveness and
aktivitas operasional antara lain pelaksanaan operasional
kantor Bank dilakukan secara hybrid (separuh dilakukan di
efficiency of operational activities, among others, the
implementation of the Bank’s office operations is carried out
475
rumah (Work From Home) dan separuh dilakukan di kantor in a hybrid manner (half is performed at home (Work From
2024
(Work From Office)), meningkatkan pertumbuhan DPK, secara Home) and half is performed in the office (Work From Office)), Performance
bertahap meningkatkan rasio RIM, selektif dalam penyaluran increasing the growth of deposits, gradually increasing Highlights
kredit, meningkatkan kepemilikan SUN, dan Bank menyusun the RIM ratio, being selective in lending, increasing SUN
Pokok-Pokok Kebijakan Internal Bank yang mendukung ownership, and the Bank compiles the Bank’s Internal Policy Management
POJK Stimulus dalam rangka Pertumbuhan Ekonomi kepada Principles that support POJK Stimulus in the context of Report
Regulator. Economic Growth to the Regulator.
Company
Risiko Kepatuhan Compliance Risk Profile
Risiko kepatuhan merupakan risiko yang timbul ketika Compliance risk is the risk that arises when the Bank fails to
Bank tidak mematuhi atau tidak melaksanakan peraturan comply with or implement applicable laws and regulations
Management
perundang-undangan dan ketentuan hukum lain yang berlaku. and other legal provisions. Discussion and
Analysis
Bank secara berkala menyempurnakan kebijakan dan The Bank periodically enhances policies, procedures,
prosedur serta limit-limit yang mengacu kepada ketentuan and limits that adhere to regulatory requirements and Business
regulator serta institusi terkait lainnya, seperti Kementerian other relevant institutions, such as the Ministry of Finance, Support
Keuangan, Peraturan Pemerintah, Undang-Undang Government Regulations, Banking Laws, and others. The Overview
Perbankan, dan lainnya. Bank melakukan kajian kembali Bank conducts regular reviews of policies, procedures, and
secara berkala terhadap kebijakan, prosedur dan limit. Kajian limits to assess their suitability with the Bank’s scale and CORPORATE
tersebut untuk mengukur kesesuaiannya dengan skala dan complexity and to enhance caution and compliance risk GOVERNANCE
kompleksitas Bank serta untuk meningkatkan kehati-hatian mitigation.
dan mitigasi risiko kepatuhan. Sustainability
Report
Dalam rangka menerapkan manajemen risiko kepatuhan In order to implement effective compliance risk management,
yang efektif, Bank Sinarmas melakukan identifikasi dan Bank Sinarmas identifies and manages factors that can lead
pengelolaan terhadap faktor-faktor yang dapat menyebabkan to increased compliance risk exposure, including:
meningkatnya eksposur risiko kepatuhan, antara lain:
1. Penerapan GCG secara efektif untuk memastikan dan 1. Effective implementation of GCG to ensure and monitor
memantau kepatuhan terhadap setiap peraturan dan compliance with external and internal regulations and
persyaratan secara eksternal maupun internal. requirements.
2. Melakukan penilaian secara aktif dan berkala terhadap 2. Actively and periodically assessing the adequacy of the
kecukupan kebijakan Pedoman dan Prosedur Internal Bank’s Internal Guidelines and Procedures to ensure
yang dimiliki oleh Bank untuk memastikan kesesuaiannya their compliance with applicable regulations and laws.
terhadap peraturan dan perundang-undangan yang berlaku.
3. Proaktif melakukan sosialisasi terkait dengan
pemberlakuan peraturan-peraturan Regulator yaitu 3. Proactively conducting dissemination regarding the
baik dalam bentuk sosialisasi langsung, juga dilakukan implementation of Regulatory regulations, both in the
penyempurnaan materi sosialisasi ketentuan terbaru form of a direct dissemination program and by improving
melalui media internal dengan menambahkan the material of the latest provisions through internal
rangkuman dari ketentuan tersebut. media by adding summaries of those provisions.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 478
4. Melakukan identifikasi dan analisa kepatuhan (compliance 4. Conducting identification and compliance analysis
analysis) atas rencana dan pengembangan produk dan of plans and development of new products as well as
aktivitas baru guna memastikan kepatuhannya terhadap activities to ensure their compliance with applicable laws
peraturan dan perundang-undangan yang berlaku. and regulations.
Risiko Reputasi Reputation Risk
Risiko reputasi dapat timbul akibat adanya pemberitaan Reputation risk can arise due to negative news related to the
negatif yang menyangkut operasional Bank, atau persepsi Bank’s operations or negative perceptions about the Bank.
negatif tentang Bank.
Dalam rangka memenuhi kebutuhan pengelolaan risiko In order to meet the needs of adequate reputation risk
reputasi yang memadai, Bank antara lain memiliki Unit management, the Bank, among other things, has a Contact
Kerja Contact Center untuk memberikan layanan informasi Center Work Unit to provide banking information services
perbankan serta menerima keluhan/pengaduan nasabah. and handle customer complaints.
Kemudian, Corporate Secretary memberikan informasi Additionally, the Corporate Secretary provides information
476 yang perlu disampaikan kepada publik/stakeholders terkait
aktivitas Bank, serta petugas Bank di kantor-kantor cabang
that needs to be communicated to the public/stakeholders
regarding the Bank’s activities, and Bank officers at branch
Ikhtisar Kinerja
yang setiap saat dapat memberikan informasi kepada offices who can provide information to customers at any time.
2024 nasabah.
Laporan Selain itu, pengendalian risiko reputasi juga dilakukan antara Furthermore, reputation risk control is also carried out,
Manajemen lain dengan melalui pemantauan yang dilakukan oleh Unit among other things, through monitoring conducted by the
Kerja Corporate Secretary terhadap berita yang berkaitan Corporate Secretary Work Unit on news related to Bank
Profil dengan Bank Sinarmas di media massa, Bank juga secara Sinarmas in the mass media. The Bank also actively engages
Perusahaan
aktif melakukan Corporate Social Responsibility yang in Corporate Social Responsibility activities in the education
dilaksanakan di bidang pendidikan dan kesehatan. and healthcare sectors.
Analisis dan
Pembahasan
Manajemen Bank telah menerapkan prinsip transparansi dalam tata The Bank has implemented transparency principles in
cara penanganan pengaduan nasabah dan penyelesaian handling customer complaints and dispute resolutions
Tinjauan sengketa kepada kantor cabang/unit kerja serta kepada at branch offices/work units and for customers. This is in
Pendukung
Bisnis
nasabah. Hal itu sesuai dengan ketentuan regulator tentang accordance with regulatory provisions regarding Customer
Pengaduan Nasabah dan Mediasi Perbankan, termasuk Complaints and Banking Mediation, including during a crisis.
TATA KELOLA dalam hal apabila terjadi krisis.
PERUSAHAAN
Bank memiliki sistem informasi manajemen untuk pencatatan The Bank has a management information system for
Laporan dan administrasi pengaduan nasabah, terutama terkait recording and administering customer complaints, especially
Keberlanjutan dengan pengaduan mengenai produk dan layanan Bank. regarding complaints about Bank products and services. This
Aplikasi ini membantu Bank untuk menyelesaikan pengaduan application helps the Bank to resolve complaints efficiently
dengan baik sesuai Service Level Agreement (SLA). according to the Service Level Agreement (SLA).
Transparansi produk yang ditawarkan kepada nasabah Product transparency offered to customers complies with
sesuai dengan ketentuan regulator mengenai transparansi regulatory provisions regarding product transparency
produk melalui situs web Bank, serta upaya peningkatan through the Bank’s website, and efforts to improve customer
standar layanan nasabah dengan melakukan training service service standards are made through service excellence
excellence kepada petugas Bank. Selain itu, Bank memiliki training for Bank officers. Additionally, the Bank has a Service
Unit Kerja Service Quality yang bertugas untuk memastikan Quality Work Unit responsible for ensuring that the quality
kualitas pelayanan yang diberikan oleh petugas bank kepada of service provided by bank officers to customers meets
nasabah sudah sesuai dengan standar yang ditetapkan. established standards.
Untuk memastikan pelayanan yang berkualitas, cabang To ensure quality service, branch offices conduct role-play
melakukan role play minimal 1 minggu sekali serta Mystery sessions at least once a week, as well as Mystery Calls
Call yang berkoordinasi dengan Unit Kerja Service Quality, coordinated with the Service Quality Work Unit and Mystery
Mystery Shopper yang dilakukan oleh Unit Kerja Service Shopper evaluations conducted by the Service Quality
Quality maupun petugas yang ditunjuk oleh unit kerja Work Unit or designated officers. In addition, through the
tersebut. Selain itu, melalui unit Service Quality, Bank juga Service Quality unit, the Bank also conducts outreach activity
melakukan sosialisasi terkait kebijakan di bidang layanan. regarding policies in the service segment.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 479
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Informasi Kualitatif terkait Risiko Kredit secara Umum (CRA)
Qualitative Information Disclosure Related to Credit Risk in General (CRA)
Periode Laporan : Desember 2024
Report Period : December 2024
Analisa Kualitatif Qualitative Analysis
Dalam penerapan Manajemen Risiko Kredit di Bank Sinarmas, Model In the implementation of Credit Risk Management at Bank Sinarmas, the
bisnis dilakukan sesuai dengan profil risiko bank, yang meliputi risiko yang business model is aligned with the bank’s risk profile, which includes
melekat pada aktivitas perkreditan Bank (Inherent Risk), serta terhadap the inherent risks associated with the bank’s lending activities (Inherent
Kualitas Penerapan Manajemen Risiko (KPMR). Hasil penilaian profil risiko Risk), as well as the Quality of Risk Management Implementation (KPMR).
Bank digunakan untuk melihat efektivitas penerapan manajemen risiko. The results of the bank’s risk profile assessment are utilized to evaluate
Apabila terdapat penerapan manajemen risiko yang belum efektif, Bank the effectiveness of risk management practices. Should there be any
dapat segera memperbaiki penerapan kontrol yang ada, sehingga tujuan ineffective risk management implementations, the bank can promptly
yang telah ditetapkan oleh Bank dapat tercapai. Penilaian profil risiko
tersebut dilakukan secara self asessment oleh Bank untuk disampaikan
rectify the existing controls, ensuring that the objectives set by the bank
are achieved. This risk profile assessment is conducted through self-
477
kepada Otoritas Jasa Keuangan. assessment by the bank and reported to the Financial Services Authority.
2024
Bank memiliki kebijakan, dan prosedur penerapan manajemen risiko The bank has established policies and procedures for credit risk Performance
kredit, yang tertuang dalam Pedoman Manajemen Risiko Bank Sinarmas. management, outlined in the Bank Sinarmas Risk Management Highlights
Pedoman tersebut telah diterapkan secara konsisten dan secara berkala Guidelines. These guidelines have been consistently applied and
dilakukan peninjauan kembali untuk memastikan kesesuaiannya dengan are periodically reviewed to ensure their alignment with business
perkembangan bisnis, visi, misi, dan strategi Bank, serta perubahan developments, the bank’s vision, mission, and strategy, as well as
regulasi yang berlaku. Penyusunan pedoman tersebut didasarkan pada applicable regulatory changes. The formulation of these guidelines is Management
strategi manajemen risiko, limit risiko dalam kewenangan pengambilan based on risk management strategies, risk limits within the authority of Report
keputusan pemberian kredit, maupun dalam Risk appetite dan Risk credit decision-making, and the Risk Appetite and Risk Tolerance that
Tolerance yang memperhatikan kemampuan modal Bank untuk dapat consider the bank’s capital capacity to absorb risks. The establishment
menyerap risiko. Penetapan Risk Appetite dan Risk Tolerance disesuaikan of Risk Appetite and Risk Tolerance is adjusted to the complexity of the Company
dengan kompleksitas bisnis Bank, hasil dari Rencana Bisnis Bank, data bank’s business, the results of the Bank’s Business Plan, historical data Profile
historis Bank satu tahun terakhir, ketentuan regulator, data benchmarking from the past year, regulatory provisions, benchmarking data against peer
terhadap peers Bank, statistik perbankan, serta informasi modal Bank. Risk banks, banking statistics, and the bank’s capital information. Risk Appetite
Appetite dan Risk Tolerance disusun oleh Satuan kerja Risk Management and Risk Tolerance are prepared by the Risk Management Group for
Management
Group untuk dievaluasi dan diajukan kepada Komite Manajemen Risiko. evaluation and submission to the Risk Management Committee, and
Discussion and
Selanjutnya, Risk Appetite dan Risk Tolerance direkomendasikan kepada subsequently recommended to the Board of Directors for approval and
Dewan Direksi untuk mendapatkan persetujuan dan penetapan. establishment.
Analysis
Dalam rangka penerapan manajemen Risiko dan tata kelola yang efektif, To ensure effective risk management and governance, the bank has
Bank telah menetapkan struktur manajemen risiko disertai dengan tugas established a risk management structure accompanied by duties and Business
dan tanggung jawab pada seluruh satuan kerja yang disesuaikan dengan responsibilities across all work units, tailored to the objectives and Support
tujuan dan kebijakan, serta ukuran dan kompleksitas kegiatan usaha policies, as well as the size and complexity of the bank’s business Overview
Bank. Dimana telah membentuk satuan kerja Risk Management Group activities. The bank has formed a Risk Management Group that reports to
yang bertanggung jawab kepada Compliance and Risk Management the Compliance and Risk Management Director. This Risk Management
Director. Satuan kerja Risk Management Group tersebut independen Group operates independently from the business units. To carry out the CORPORATE
terhadap satuan kerja bisnis. Untuk melaksanakan fungsi pengawasan risk oversight function and realize Good Corporate Governance, the Board GOVERNANCE
dan pemantauan risiko Bank (Risk Oversight), serta mewujudkan of Commissioners has established a Risk Monitoring Committee tasked
Good Corporate Governance, Dewan Komisaris menetapkan Komite with assisting the Board of Commissioners in overseeing and monitoring
Pemantau Risiko yang memiliki tugas membantu Dewan Komisaris dalam the implementation of risk management and assessing its effectiveness.
melakukan pengawasan dan pemantauan pelaksanaan penerapan At the Board of Directors level, a Risk Management Committee has been Sustainability
manajemen risiko, dan menilai efektifitas penerapan manajemen risiko. established with the authority and responsibility to evaluate and provide Report
Sedangkan di tingkat Direksi ditetapkan Komite Manajemen Risiko yang recommendations to the President Director regarding the implementation
memiliki wewenang dan tanggung jawab untuk melakukan evaluasi dan of Risk Management, including Credit Risk. In the execution of lending
memberikan rekomendasi kepada direktur utama terkait penerapan activities, the credit risk management organization at Bank Sinarmas
Manajemen Risiko termasuk didalamnya Risiko Kredit. Dalam pelaksanaan applies the four eyes principle as one of the controls for Credit Risk in
aktivitas perkreditan, Organisasi manajemen risiko kredit Bank Sinarmas the credit granting process across the Corporate, Commercial Business
menerapkan sistem four eyes principle sebagai salah satu pengendalian Management, MSME, and Card & Consumer Loan segments.
Risiko Kredit dalam proses pemberian kredit pada segmen Corporate,
Commercial Business Management, MSME dan Card & Consumer Loan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 480
Analisa Kualitatif Qualitative Analysis
Bank mengadopsi model Three Lines of Defense, dimana masing- The bank adopts the Three Lines of Defense model, where each line
masing lini saling bersinergi dalam menerapkan manajemen risiko. Lini synergizes in implementing risk management. The First Line of Defense
Pertahanan Pertama (1st Lines of Defense) merupakan Risk Taking Unit consists of the Risk Taking Unit (Risk Owner), which includes business
(Pemilik Risiko), yang terdiri dari unit bisnis dan unit pendukung yang units and supporting units responsible for identifying and managing
bertanggung jawab melakukan identifikasi dan mengelola risiko yang risks arising from daily business activities in accordance with internal
ada dari kegiatan/ aktivitas bisnis sehari-hari sesuai dengan ketentuan regulations and applicable risk levels. The Second Line of Defense
internal, dan tingkat risiko yang berlaku. Untuk Lini Pertahanan Kedua functions as the risk supervisor, comprising the Risk Management Group
(2nd Lines of Defense), memiliki fungsi sebagai pengawas risiko terdiri (which oversees the Credit Risk Division) and the Compliance Group,
dari Risk Management Group (yang membawahi Credit Risk Division), dan responsible for establishing policies, Risk Appetite, and Risk Tolerance,
Compliance Group, yang bertanggungjawab menetapkan kebijakan, Risk conducting independent oversight of business activities, particularly
Appetite dan Risk Tolerance, melakukan pengawasan yang independen lending, and reporting to management to ensure that the bank conducts
dari aktivitas bisnis khususnya perkreditan, serta pelaporan ke manajemen business activities and operates within the established appetite and
untuk memastikan bahwa Bank melakukan aktivitas bisnis dan beroperasi regulations. The Third Line of Defense is the Internal Audit Unit, which
sesuai dengan appetite dan ketentuan yang berlaku. Selanjutnya Lini evaluates the implementation of credit risk management and the control
Pertahanan Ketiga (3rd Lines of Defense), merupakan Satuan Kerja Audit processes in lending at the bank, assessing whether credit risks have
Internal, yang memiliki fungsi mengevaluasi pelaksanaan manajemen been identified and managed appropriately, and whether quality and
risiko kredit dan proses pengendalian bidang perkreditan di Bank seperti continuous improvement are embedded in the bank’s control processes,
apakah risiko kredit telah diidentifikasi dan dikelola secara tepat serta both at the first and second lines.
kualitas dan perbaikan berkesinambungan telah melekat di dalam proses
pengendalian Bank, baik pada lini pertama maupun lini kedua.
478 Pelaporan informasi risiko kredit disampaikan kepada Dewan Komisaris Reporting of credit risk information is conveyed to the Board of
dan Direksi melalui komite yang dibentuk dan berada di bawah Dewan Commissioners and the Board of Directors through committees
Komisaris dan Direksi. Untuk komite di bawah Dewan Komisaris established under the Board of Commissioners and the Board of Directors.
Ikhtisar Kinerja
disampaikan melalui Komite Pemantau Risiko, sedangkan untuk Komite For the committee under the Board of Commissioners, information is
2024 dibawah Direksi disampaikan melalui Komite Manajemen Risiko. reported through the Risk Monitoring Committee, while for the committee
Beberapa informasi yang disampaikan dalam laporan adalah Laporan under the Board of Directors, information is reported through the Risk
Laporan Profil Risiko, dan Laporan Portofolio Kredit. Management Committee. Some of the information presented in the
reports includes the Risk Profile Report and the Credit Portfolio Report.
Manajemen
Profil
Perusahaan
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
Analisis dan - Pendekatan Standar
Pembahasan Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Manajemen
Pengungkapan Kualitas Kredit atas Aset (CR1)
Tinjauan Disclosure of Credit Quality of Assets (CR1)
Pendukung
Bisnis Periode Laporan : Desember 2024
Report Period : December 2024
TATA KELOLA
PERUSAHAAN
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Laporan
Keberlanjutan Nilai Tercatat Bruto CKPN
Gross Carrying Value Allowance
Tagihan yang Telah Jatuh Tagihan yang Belum Jatuh for
Tempo Tempo Impairment
Overdue Bills Undue Bills Losses
a b c
1 Kredit 87.075 14.611.628 484.482
2 Surat Berharga - 22.629.220 -
3 Transaksi Rekening Administratif - 4.395.592 -
4 Penempatan - 16.472.477 -
5 Aset Lainnya - 2.720.091 -
6 Derivatif selain Kredit - 2.292 -
7 Total 87.075 60.831.301 484.482
Pengungkapan Tambahan
Tagihan yang telah jatuh tempo merupakan seluruh tagihan yang telah tertunggak / jatuh tempo lebih dari 90 (sembilan puluh) hari, baik atas
pembayaran pokok dan/atau pembayaran bunga atau tagihan kepada debitur yang wanprestasi.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 481
479
2024
Performance
Highlights
Management
Report
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
dalam jutaan Rupiah | in million Rupiah
CORPORATE
CKPN CKPN GOVERNANCE
Allowance for Impairment Losses (Pendekatan IRB) Nilai Bersih
Allowance for Net Worth
Stage 2 dan Stage 3 Impairment Losses (IRB (a+b-c)
Stage 1 Sustainability
Stage 2 and Stage 3 Approach)
Report
d e f g
478.244 6.238 - 14.214.222 Credit
- - - 22.629.220 Securities
- - - 4.395.592 Administrative Account Transactions
- - - 16.472.477 Placement
- - - 2.720.091 Other Assets
- - - 2.292 Derivatives other than credit
478.244 6.238 - 60.433.895 Total
Additional Disclosure
Past Due Receivables are all receivables that have been overdue for more than 90 (ninety) days, including both principal and/or interest payments or
receivables from defaulting debtors.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 482
Bank Secara Individu
Bank Individually
Nilai Tercatat Bruto CKPN
Gross Carrying Value Allowance
Tagihan yang Telah Jatuh Tagihan yang Belum Jatuh for
Tempo Tempo Impairment
Overdue Bills Undue Bills Losses
a b c
1 Kredit 80.179 11.136.516 478.093
2 Surat Berharga - 17.635.535 -
3 Transaksi Rekening Administratif - 4.395.342 -
4 Penempatan - 14.878.937 -
5 Aset Lainnya - 2.531.006 -
6 Derivatif selain Kredit - 2.292 -
7 Total 80.179 50.579.629 478.093
480
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
Ikhtisar Kinerja
2024 - Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Laporan
Manajemen Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2)
Disclosure of Changes in Due Loans and Securities (CR2)
Profil Periode Laporan : Desember 2024
Perusahaan Report Period : December 2024
Analisis dan Bank Secara Konsolidasi dengan Entitas Anak
Pembahasan The Bank consolidated with Subsidiaries
Manajemen dalam jutaan Rupiah | in million Rupiah
No Pos-Pos a Posts
Tinjauan 1 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada 95.500 Due Loans and Securities on Last Reporting Period
Pendukung periode pelaporan terakhir
Bisnis 2 Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak 67.002 Due Loans and Securities since Last Reporting Period
periode pelaporan terakhir
TATA KELOLA 3 Kredit dan Surat Berharga yang kembali menjadi tagihan 5.799 Loans and Securities that return to become undue bills
PERUSAHAAN yang belum jatuh tempo
4 Nilai hapus buku 68.866 Write-Off Value
Laporan 5 Perubahan lain (761) Other Changes
Keberlanjutan 6 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada 87.076 Due Loans and Securities on Last Reporting Period
akhir periode pelaporan (1+2-3-4+5)
(1+2-3-4+5)
Pengungkapan Tambahan Additional Disclosure
Perubahan Nilai Kredit dan Surat Berharga yang Telah Jatuh Tempo Changes in the Value of Credit and Past Due Securities are due to the
disebabkan adanya metode perhitungan baru mengacu pada SEOJK new calculation method referring to SEOJK Number 24/SEOJK.03/2021
Nomor 24/SEOJK.03/2021 tentang Perhitungan Aset Tertimbang Menurut concerning the Calculation of Risk-Weighted Assets for Credit Risk Using
Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Standar the Standard Approach for Commercial Banks.
Bagi Bank Umum.
Bank Secara Individu
Bank Individually
dalam jutaan Rupiah | in million Rupiah
No Pos-Pos a Posts
1 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada 88.740 Due Loans and Securities on Last Reporting Period
periode pelaporan terakhir
2 Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak 63.922 Due Loans and Securities since Last Reporting Period
periode pelaporan terakhir
3 Kredit dan Surat Berharga yang kembali menjadi tagihan 4.977 Loans and Securities that return to become undue bills
yang belum jatuh tempo
4 Nilai hapus buku 66.996 Write-Off Value
5 Perubahan lain (510) Other Changes
6 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada 80.179 Due Loans and Securities on Last Reporting Period
akhir periode pelaporan (1+2-3-4+5)
(1+2-3-4+5)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 483
dalam jutaan Rupiah | in million Rupiah
CKPN CKPN
Allowance for Impairment Losses (Pendekatan IRB) Nilai Bersih
Allowance for Net Worth
Stage 2 dan Stage 3 Impairment Losses (IRB (a+b-c)
Stage 1
Stage 2 and Stage 3 Approach)
d e f g
478.093 - 10.738.603 Credit
- - 17.635.535 Securities
Administrative Account
- - 4.395.342
Transactions
- - 14.878.937 Placement
- - 2.531.006 Other Assets
- - 2.292 Derivatives other than credit
478.093 - - 50.181.716 Total
481
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar 2024
Performance
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach Highlights
Pengungkapan Tambahan terkait Kualitas Kredit atas Aset (CRB)
Additional Disclosure of Credit Quality of Assets (CRB) Management
Report
Periode Laporan : Desember 2024
Report Period : December 2024
Company
Bank Secara Konsolidasi dengan Entitas Anak Profile
The Bank consolidated with Subsidiaries
Analisa Kualitatif Qualitative Analysis Management
Tagihan yang telah jatuh tempo merupakan seluruh tagihan yang telah jatuh Past Due Receivables are all receivables that have been overdue for more than Discussion and
tempo lebih dari 90 (sembilan puluh) hari, baik atas pembayaran pokok dan/ 90 (ninety) days, including both principal and/or interest payments. Receivables Analysis
atau pembayaran bunga. Tagihan yang mengalami penurunan nilai adalah that experience a decline in value are those classified as stage 2 and stage 3 in
tagihan yang termasuk pada stage 2 dan stage 3 pada perhitungan CKPN, the calculation of Allowance for Impairment Losses (CKPN), which includes all
yakni seluruh tagihan yang telah jatuh tempo lebih dari 30 (tiga puluh) hari, receivables that have been overdue for more than 30 (thirty) days, whether for Business
baik atas pembayaran pokok dan/atau pembayaran bunga. Dengan kata lain, principal and/or interest payments. In other words, all past due receivables are Support
seluruh tagihan yang telah jatuh tempo merupakan bagian dari tagihan yang part of the receivables that have experienced a decline in value. Overview
mengalami penurunan nilai.
The company has implemented PSAK No. 71 since January 2020 regarding the
Perusahaan telah mengimplementasikan PSAK No. 71 sejak Januari 2020 establishment of the allowance for impairment losses (CKPN) in accordance
dalam hal pembentukan cadangan kerugian penurunan nilai (CKPN) sesuai with the provisions set by the Financial Accounting Standards Board of the CORPORATE
dengan penetapan Dewan Standar Akuntansi Keuangan Ikatan Akuntan Indonesian Institute of Accountants (DSAK IAI). The CKPN is established using GOVERNANCE
Indonesia (DSAK IAI). CKPN yang dibentuk dengan menggunakan metode the Expected Credit Loss method in accordance with PSAK No. 71, which
Expected Credit Loss sesuai dengan ketentuan PSAK No. 71 menghitung calculates impairment on the Credit, Treasury, and Trade Finance Portfolios
penurunan nilai pada Portofolio Kredit, Treasury dan Trade Finance setiap monthly, for both on-balance sheet and off-balance sheet items. The company Sustainability
bulan, baik untuk on balance sheet maupun off balance sheet. Perusahaan conducts modeling for Probability of Default (PD), Loss Given Default (LGD), Report
melakukan permodelan PD, LGD, EAD dan Forward Looking Macroeconomic Exposure at Default (EAD), and Forward Looking Macroeconomic factors
untuk semua segmentasi portofolio instrumen keuangan sesuai dengan for all segments of the financial instrument portfolio in accordance with the
metodologi yang telah ditentukan oleh Perusahaan. methodology established by the company.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 484
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Tagihan Bersih Berdasarkan Wilayah
Disclosure of Net Receivables by Area
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Posisi Tanggal Laporan
Report Date
Tagihan Bersih Berdasarkan Wilayah
No Kategori Portofolio
Net Receivables by Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
482 Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f f g h
Ikhtisar Kinerja
2024 1 Tagihan Kepada Pemerintah - - 20.895.065 - 6.777.502 - -
Tagihan kepada Entitas Sektor
Laporan 2 - - 2.009.545 - - - -
Publik
Manajemen
Tagihan kepada Bank
3 Pembangunan Multilateral dan - - - - - - -
Profil
Lembaga Internasional
Perusahaan
4 Tagihan kepada Bank 5 5 4.667.172 - 787.807 - -
Analisis dan
Pembahasan
Manajemen 5 Tagihan berupa Covered Bond - - - - - - -
Tagihan kepada Perusahaan Efek
Tinjauan
6 dan Lembaga Jasa Keuangan - - 929.696 - 0 - -
Pendukung
Lainnya
Bisnis
Tagihan berupa Surat Berharga/
TATA KELOLA Piutang Subordinasi, Ekuitas, dan
7 - - - - - - -
PERUSAHAAN Instrumen Modal
Lainnya
Laporan 8 Kredit Beragun Rumah Tinggal 828 - 17.516 35.723 76.169 6.320 1.137
Keberlanjutan
9 Kredit Beragun Properti Komersial - - - - - - -
Kredit untuk Pengadaan Tanah,
10 12.241 122.419 25.434 49.159 53.078 - -
Pengolahan Tanah, dan Konstruksi
11 Kredit Pegawai atau Pensiunan - - - - - - -
Tagihan kepada Usaha Mikro,
12 487.653 857.565 700.772 249.670 102.687 442.432 405.481
Usaha Kecil, dan Portofolio Ritel
13 Tagihan kepada Korporasi 56.150 52.857 10.702.972 116.244 1.969.416 109.392 44.349
14 Tagihan yang Telah Jatuh Tempo 2.742 5.629 4.750 1.836 822 6.633 4.377
15 Aset Lainnya - - - - 2.720.091 - -
TOTAL 559.619 1.038.475 39.952.922 452.632 12.487.572 564.777 455.344
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 485
dalam jutaan Rupiah | in million Rupiah
Portfolio Category
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
Total
483
i j k l l m n o
Receivables from 2024
- - - - - - - Performance
27.672.567 Government
Highlights
Receivables from Public
- - - - - - -
2.009.545 Sector Entities
Receivables from Management
Multilateral Development Report
- - - - - - - -
Banks and International
Institutions
Company
- 4 - - - - - Receivables from Banks Profile
5.454.993
Receivables from Covered
- - - - - - - -
Bond
Management
Tagihan kepada Discussion and
Perusahaan Efek dan Analysis
- - - - - - - 929.696
Lembaga Jasa Keuangan
Lainnya
Receivables from Business
Securities Companies and Support
- - - - - - - - Overview
Other Financial Services
Institutions
Commercial Property
2.456 - - - - - - 140.149 CORPORATE
Collateralized Loans
GOVERNANCE
Commercial Property
133 - - - - - - 133
Backed Loans
Land Acquisition, Sustainability
2.000 - - - - - - 264.331 Land Processing and Report
Construction Loans
Employee or Retairement
- - - - - - - -
Loans
Receivables from
Microbusiness,Small
560.245 361.376 270.820 - - - -
4.438.701 Business, and Retail
Portfolio
Receivables from
199.174 16.875 44.352 - - - -
13.311.781 Corporations
7.879 5.584 2.382 - - - - 42.634 Due Receivables
- - - - - - - Other Assets
2.720.091
771.887 383.839 317.554 - - - - TOTAL
56.984.621
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 486
Posisi Tanggal Laporan Tahun Sebelumnya
Previous Year Report Date Position
Tagihan Bersih Berdasarkan Wilayah
No Kategori Portofolio
Net Receivables by Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f f g h
1 Tagihan Kepada Pemerintah - - - - 24.157.992 - -
Tagihan kepada Entitas Sektor
2 - - - - 2.210.968 - -
Publik
Tagihan kepada Bank
3 Pembangunan Multilateral dan - - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank 5 5 - - 2.831.842 - -
484 5 Tagihan berupa Covered Bond - - - - - - -
Ikhtisar Kinerja Tagihan kepada Perusahaan Efek
2024 6 dan Lembaga Jasa Keuangan - - - - 1.001.786 - -
Lainnya
Laporan Tagihan berupa Surat Berharga/
Manajemen Piutang Subordinasi, Ekuitas, dan
7 - - - - - - -
Instrumen Modal
Lainnya
Profil
Perusahaan
8 Kredit Beragun Rumah Tinggal 975 - 2.272 - 4.103 330 -
Analisis dan 9 Kredit Beragun Properti Komersial - - - - - - -
Pembahasan
Manajemen
Kredit untuk Pengadaan Tanah,
10 1.524 19.641 - - 14.593 400 2.977
Pengolahan Tanah, dan Konstruksi
Tinjauan
Pendukung
11 Kredit Pegawai atau Pensiunan - - - - - - -
Bisnis
TATA KELOLA Tagihan kepada Usaha Mikro,
12 523.695 914.292 129.208 55.920 549.614 602.489 487.171
PERUSAHAAN Usaha Kecil, dan Portofolio Ritel
Laporan 13 Tagihan kepada Korporasi 50.794 82.501 85.460 - 15.109.697 10.811 35.960
Keberlanjutan
14 Tagihan yang Telah Jatuh Tempo 5.183 8.851 1.060 919 3.191 9.973 5.263
15 Aset Lainnya - - - - 3.001.980 - -
TOTAL 582.176 1.025.290 218.000 56.839 48.885.766 624.003 531.371
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 487
dalam jutaan Rupiah | in million Rupiah
Portfolio Category
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
i j k l l m n o
Receivables from
- - - - - - - 24.157.992
Government
Receivables from Public
- - - - - - - 2.210.968
Sector Entities
Receivables from
Multilateral Development
- - - - - - - -
Banks and International
Institutions
4.630 - 4 - - - - 2.836.486 Receivables from Banks
- - - - - - - -
Receivables from Covered
Bond
485
Tagihan kepada
Perusahaan Efek dan 2024
- - - - - 94 - 1.001.880 Performance
Lembaga Jasa Keuangan
Lainnya Highlights
Receivables from
Securities Companies and
- - - - - - - - Management
Other Financial Services
Report
Institutions
Commercial Property
547 - - - - - - 8.227
Collateralized Loans Company
Commercial Property Profile
142 - - - - - - 142
Backed Loans
Land Acquisition, Management
2.057 - - - - 22.841 31.721 95.754 Land Processing and
Discussion and
Construction Loans
Analysis
Employee or Retairement
- - - - - - - -
Loans
Receivables from Business
Microbusiness,Small Support
345.972 344.282 478.517 359.919 - 210.656 10.244 5.011.979 Overview
Business, and Retail
Portfolio
Receivables from
118.726 11.032 37.931 33.072 - 80.272 63.818 15.720.074 CORPORATE
Corporations
GOVERNANCE
4.869 5.077 5.469 2.461 - 3.859 209 56.384 Due Receivables
- - - - - - - 3.001.980 Other Assets
Sustainability
476.943 360.391 521.921 395.452 - 317.722 105.992 54.101.866 TOTAL Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 488
Bank Secara Individu
Bank Individually
Posisi Tanggal Laporan
Report Date
Tagihan Bersih Berdasarkan Wilayah
No Kategori Portofolio
Net Receivables by Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f f g h
1 Tagihan Kepada Pemerintah - - 20.895.065 - - - -
Tagihan kepada Entitas Sektor
2 - - 2.009.545 - - - -
Publik
Tagihan kepada Bank
3 Pembangunan Multilateral dan - - - - - - -
Lembaga Internasional
486 4 Tagihan kepada Bank 5 5 4.667.172 - - - -
Ikhtisar Kinerja 5 Tagihan berupa Covered Bond - - - - - - -
2024
Tagihan kepada Perusahaan Efek
Laporan 6 dan Lembaga Jasa Keuangan - - 929.696 - 0 - -
Lainnya
Manajemen
Tagihan berupa Surat Berharga/
Profil Piutang Subordinasi, Ekuitas, dan
7 - - - - - - -
Perusahaan Instrumen Modal
Lainnya
Analisis dan 8 Kredit Beragun Rumah Tinggal 828 - 17.516 35.723 71.258 6.320 1.137
Pembahasan
Manajemen
9 Kredit Beragun Properti Komersial - - - - - - -
Tinjauan
Kredit untuk Pengadaan Tanah,
Pendukung 10 12.241 122.419 25.434 49.159 53.078 - -
Pengolahan Tanah, dan Konstruksi
Bisnis
11 Kredit Pegawai atau Pensiunan - - - - - - -
TATA KELOLA
PERUSAHAAN
Tagihan kepada Usaha Mikro,
12 313.212 681.505 608.497 166.484 45.650 442.432 405.481
Usaha Kecil, dan Portofolio Ritel
Laporan
Keberlanjutan
13 Tagihan kepada Korporasi 56.150 43.808 10.702.972 116.244 69.393 109.392 44.349
14 Tagihan yang Telah Jatuh Tempo 2.480 5.500 4.715 1.634 772 6.633 4.377
15 Aset Lainnya - - - - 2.531.006 - -
TOTAL 384.916 853.237 39.860.612 369.244 2.771.157 564.777 455.344
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 489
dalam jutaan Rupiah | in million Rupiah
Portfolio Category
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
i j k l l m n o
Receivables from
- - - - - - - 20.895.065
Government
Receivables from Public
- - - - - - - 2.009.545
Sector Entities
Receivables from
Multilateral Development
- - - - - - - -
Banks and International
Institutions
- 4 - - - - - 4.667.186 Receivables from Banks
487
Receivables from Covered
- - - - - - - - 2024
Bond
Performance
Tagihan kepada Highlights
Perusahaan Efek dan
- - - - - - - 929.696
Lembaga Jasa Keuangan
Lainnya
Management
Receivables from Report
Securities Companies and
- - - - - - - -
Other Financial Services
Institutions Company
Commercial Property Profile
2.456 - - - - - - 135.238
Collateralized Loans
Commercial Property
133 - - - - - - 133 Management
Backed Loans
Discussion and
Land Acquisition, Analysis
2.000 - - - - - - 264.331 Land Processing and
Construction Loans
Employee or Retairement Business
- - - - - - - - Support
Loans
Overview
Receivables from
Microbusiness,Small
560.245 361.376 270.820 - - - - 3.855.702
Business, and Retail
Portfolio CORPORATE
GOVERNANCE
Receivables from
199.174 16.875 44.352 - - - - 11.402.709
Corporations
7.879 5.584 2.382 - - - - 41.956 Due Receivables Sustainability
Report
- - - - - - - 2.531.006 Other Assets
771.887 383.839 317.554 - - - - 46.732.567 TOTAL
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 490
Posisi Tanggal Laporan Tahun Sebelumnya
Previous Year Report Date Position
Tagihan Bersih Berdasarkan Wilayah
No Kategori Portofolio
Net Receivables by Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f f g h
1 Tagihan Kepada Pemerintah - - - - 21.799.569 - -
Tagihan kepada Entitas Sektor
2 - - - - 2.210.968 - -
Publik
Tagihan kepada Bank
3 Pembangunan Multilateral dan - - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank 5 5 - - 2.831.842 - -
488 5 Tagihan berupa Covered Bond - - - - - - -
Ikhtisar Kinerja Tagihan kepada Perusahaan Efek
2024 6 dan Lembaga Jasa Keuangan - - - - 1.001.786 - -
Lainnya
Laporan Tagihan berupa Surat Berharga/
Manajemen Piutang Subordinasi, Ekuitas, dan
7 - - - - - - -
Instrumen Modal
Lainnya
Profil
Perusahaan
8 Kredit Beragun Rumah Tinggal 975 - 2.272 - - 330 -
Analisis dan 9 Kredit Beragun Properti Komersial - - - - - - -
Pembahasan
Manajemen
Kredit untuk Pengadaan Tanah,
10 1.524 19.641 - - 14.593 400 2.977
Pengolahan Tanah, dan Konstruksi
Tinjauan
Pendukung
11 Kredit Pegawai atau Pensiunan - - - - - - -
Bisnis
TATA KELOLA Tagihan kepada Usaha Mikro,
12 382.912 810.626 73.849 - 523.567 602.489 487.171
PERUSAHAAN Usaha Kecil, dan Portofolio Ritel
Laporan 13 Tagihan kepada Korporasi 50.794 82.501 85.460 - 12.068.660 10.811 35.960
Keberlanjutan
14 Tagihan yang Telah Jatuh Tempo 4.074 7.435 - - 3.173 9.973 5.263
15 Aset Lainnya - - - - 2.854.488 - -
TOTAL 440.284 920.208 161.581 - 624.003 531.371
43.308.646
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 491
dalam jutaan Rupiah | in million Rupiah
Portfolio Category
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
i j k l l m n o
Receivables from
- - - - - - - 21.799.569
Government
Receivables from Public
- - - - - - - 2.210.968
Sector Entities
Receivables from
Multilateral Development
- - - - - - - -
Banks and International
Institutions
4.630 - 4 - - - - 2.836.486 Receivables from Banks
- - - - - - - -
Receivables from Covered
Bond
489
Tagihan kepada
Perusahaan Efek dan 2024
- - - - - 94 - 1.001.880 Performance
Lembaga Jasa Keuangan
Lainnya Highlights
Receivables from
Securities Companies and
- - - - - - - - Management
Other Financial Services
Report
Institutions
Commercial Property
547 - - - - - - 4.124
Collateralized Loans Company
Commercial Property Profile
142 - - - - - - 142
Backed Loans
Land Acquisition, Management
2.057 - - - - 22.841 31.721 95.754 Land Processing and
Discussion and
Construction Loans
Analysis
Employee or Retairement
- - - - - - - -
Loans
Receivables from Business
Microbusiness,Small Support
345.972 344.282 478.517 359.919 - 210.656 10.244 4.630.204 Overview
Business, and Retail
Portfolio
Receivables from
118.726 11.032 37.931 33.072 - 80.272 63.818 12.679.037 CORPORATE
Corporations
GOVERNANCE
4.869 5.077 5.469 2.461 - 3.859 209 51.862 Due Receivables
- - - - - - - 2.854.488 Other Assets
Sustainability
476.943 360.391 521.921 395.452 - 317.722 105.992 48.164.514 TOTAL Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 492
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah
Disclosure of Receivables and Allowances by Area
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Posisi Tanggal Laporan
Report Date
No. Keterangan Wilayah
Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
490 a b
Region-01
c
Region-02
d
Region-03
e
Region-04
f
Region-05
g
Region-06
h
Region-07
i
1 Tagihan 747.242 1.223.510 42.666.071 675.282 12.621.374 3 511.138
Ikhtisar Kinerja
2024 Tagihan yang
2 Mengalami Penurunan - - - - - - -
Nilai
Laporan
Manajemen a. Belum Jatuh Tempo 80 - 108 9 - - -
b. Telah Jatuh Tempo 6.816 12.470 13.012 3.762 1.563 12.700 8.244
Profil
Perusahaan 3 CKPN - Stage 1 2.211 2.069 1.356 583 18 - -
Analisis dan 4 CKPN - Stage 2 1.827 3.958 280.595 1.822 291 4.464 3.379
Pembahasan
Manajemen
5 CKPN - Stage 3 1.931 4.772 135.882 1.345 1.021 6.069 3.877
Tinjauan
Pendukung Tagihan yang Dihapus
6 - - - - - - -
Bisnis Buku
TATA KELOLA
PERUSAHAAN Posisi Tanggal Laporan Tahun Sebelumnya
Previous Year Report Date Position
Laporan No. Keterangan Wilayah
Keberlanjutan Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f g h i
1 Tagihan 760.512 1.190.994 406.127 56.840 50.817.831 3 595.088
Tagihan yang
2 Mengalami Penurunan 96.694 130.193 17.653 - 629.928 157.323 83.930
Nilai
a. Belum Jatuh Tempo 88.948 116.340 17.653 - 621.049 137.822 73.080
b. Telah Jatuh Tempo 7.746 13.853 - - 8.879 19.501 10.850
3 CKPN - Stage 1 138 81 54 83 331.192 - -
4 CKPN - Stage 2 4.005 7.472 3.235 - 296.813 7.879 5.209
5 CKPN - Stage 3 3.685 6.465 1.310 - 154.598 10.018 6.043
Tagihan yang Dihapus
6 106.423 70.582 74.501 27.355 5.135.050 129.732 76.494
Buku
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 493
dalam jutaan Rupiah | in million Rupiah
Description
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08
j
Region-09
k
Region-10
l
Region-11
m
Region-12
n
Region-13
o
Region-14
p q
491
1.059.911 444.598 381.877 - - - - 60.911.281 Receivables
"Claims with 2024
Increased and Performance
- - - - - - - - Highlights
Worsening Credit
Risk"
- - - - - - - 197 a. Not Due
Management
14.432 9.845 4.232 - - - - 87.076 b. Due
Report
Allowance for
- - - - - - - 6.237 Impairment Losses
Stage 1
Company
Allowance for Profile
5.982 5.570 2.178 - - - - 310.066 Impairment Losses
Stage 2
Allowance for Management
7.159 4.272 1.850 - - - - 168.179 Impairment Losses Discussion and
Stage 3 Analysis
Receivables Written
- - - - - - - -
Off
Business
dalam jutaan Rupiah | in million Rupiah Support
Overview
Description CORPORATE
GOVERNANCE
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
j k l m n o p q Sustainability
709.715 408.305 615.274 459.386 - 476.792 274.049 57.415.506 Receivables Report
"Claims with
Increased and
84.021 96.172 177.873 77.990 - 50.686 731 1.603.194
Worsening Credit
Risk"
74.945 86.930 167.456 73.385 - 43.525 340 1.501.473 a. Not Due
9.076 9.242 10.417 4.605 - 7.161 391 101.721 b. Due
Allowance for
- - - - - - - 331.548 Impairment Losses
Stage 1
Allowance for
4.235 4.380 9.119 2.953 - 2.054 11 347.365 Impairment Losses
Stage 2
Allowance for
4.317 4.693 5.000 2.235 - 3.375 182 201.920 Impairment Losses
Stage 3
Receivables Written
41.778 31.490 56.677 32.878 637 65.296 5.226 5.854.119
Off
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 494
Bank Secara Individu
Bank Individually
Posisi Tanggal Laporan
Report Date
No. Keterangan Wilayah
Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f g h i
1 Tagihan 572.816 1.038.402 42.573.800 592.103 2.904.884 580.278 511.138
Tagihan yang
2 Mengalami Penurunan
Nilai
a. Belum Jatuh Tempo - - - - - - -
b. Telah Jatuh Tempo 4.365 10.248 11.722 2.904 1.487 12.700 8.244
3 CKPN - Stage 1 - - - - - - -
492
4 CKPN - Stage 2 1.827 3.958 280.595 1.822 291 4.464 3.379
Ikhtisar Kinerja
2024
5 CKPN - Stage 3 1.890 4.748 135.878 1.270 1.013 6.069 3.877
Laporan
Manajemen Tagihan yang Dihapus
6 - - - - - - -
Buku
Profil
Perusahaan
Posisi Tanggal Laporan Tahun Sebelumnya
Analisis dan Previous Year Report Date Position
Pembahasan No. Keterangan Wilayah
Manajemen Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Tinjauan Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
Pendukung a b c d e f g h i
Bisnis 1 Tagihan 618.621 1.085.912 349.708 - 45.092.743 644.593 595.088
Tagihan yang
TATA KELOLA 2 Mengalami Penurunan 96.694 130.193 17.653 - 629.928 157.323 83.930
PERUSAHAAN Nilai
a. Belum Jatuh Tempo 88.948 116.340 17.653 - 621.049 137.822 73.080
Laporan
b. Telah Jatuh Tempo 7.746 13.853 - - 8.879 19.501 10.850
Keberlanjutan
3 CKPN - Stage 1 - - - - - - -
4 CKPN - Stage 2 4.005 7.472 3.235 - 296.813 7.879 5.209
5 CKPN - Stage 3 3.685 6.465 1.310 - 6.629 10.018 6.043
Tagihan yang Dihapus
6 100.235 57.266 58.391 - 4.889.659 129.732 76.494
Buku
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 495
dalam jutaan Rupiah | in million Rupiah
Description
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
j k l m n o p q
1.059.911 444.598 381.877 - - - - 50.659.807 Receivables
"Claims with
Increased and
-
Worsening Credit
Risk"
- - - - - - - - a. Not Due
14.432 9.845 4.232 - - - - 80.179 b. Due
Allowance for
- - - - - - - - Impairment Losses
Stage 1 493
Allowance for
5.982 5.570 2.178 - - - - 310.066 Impairment Losses
Stage 2 2024
Performance
Allowance for
7.159 4.272 1.850 - - - - 168.027 Impairment Losses Highlights
Stage 3
Receivables Written
- - - - - - - - Management
Off
Report
dalam jutaan Rupiah | in million Rupiah
Company
Profile
Description
Management
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total Discussion and
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
Analysis
j k l m n o p q
709.715 408.305 615.274 459.386 - 476.792 274.049 51.330.186 Receivables
"Claims with Business
Increased and Support
84.021 96.172 177.873 77.990 - 50.686 731 1.603.194
Worsening Credit Overview
Risk"
74.945 86.930 167.456 73.385 - 43.525 340 1.501.473 a. Not Due
9.076 9.242 10.417 4.605 - 7.161 391 101.721 b. Due CORPORATE
GOVERNANCE
Allowance for
- - - - - - - - Impairment Losses
Stage 1
Sustainability
Allowance for Report
4.235 4.380 9.119 2.953 - 2.054 11 347.365 Impairment Losses
Stage 2
Allowance for
4.317 4.693 5.000 2.235 - 3.375 182 53.951 Impairment Losses
Stage 3
Receivables Written
41.778 31.490 56.677 32.878 637 65.296 5.226 5.545.759
Off
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 496
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi
Disclosure of Net Receivables by Economic Sector
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Tagihan berupa
Tagihan Surat Berharga/
Tagihan kepada
kepada Bank Piutang
Perusahaan Efek
Pembangunan Subordinasi,
Tagihan kepada dan Lembaga
Multilateral Tagihan berupa Ekuitas, dan
Tagihan kepada Entitas Sektor Jasa Keuangan
dan Lembaga Tagihan kepada Covered Bond Instrumen Modal
Pemerintah Publik Lainnya
Internasional Bank Receivables Lainnya
494
No. Sektor Ekonomi Receivables Receivables Receivables
Receivables from Receivables in the form Receivables
from from Public from Securities
Multilateral from Banks of Covered in the
Government Sector Companies
Development Bond form of
Entities and Other
Banks Subordinated
Financial Services
Ikhtisar Kinerja and International Securities, Equity
Institutions
2024 Institutions and Other Capital
Instruments
a b c d e f g h i
Laporan Posisi Tanggal Laporan
Manajemen
1 Pertanian, Kehutanan dan Perikanan - - - - - - -
2 Pertambangan dan Penggalian - - - - - - -
Profil 3 Industri Pengolahan - - - - - - -
Perusahaan
Pengadaan Listrik, Gas, Uap/Air Panas
4 - - - - - - -
dan Udara Dingin
Analisis dan Pengelolaan Air, Pengelolaan Air
Pembahasan 5 Limbah, Pengelolaan dan Daur Ulang - - - - - - -
Manajemen Sampah, dan Aktivitas Remediasi
6 Konstruksi 1.046.391 - - - - - -
Tinjauan Perdagangan Besar dan Eceran;
Pendukung 7 Reparasi dan Perawatan Mobil dan - - - - - - -
Sepeda Motor
Bisnis
8 Pengangkutan dan Pergudangan - - - - - - -
Penyediaan Akomodasi dan
TATA KELOLA 9 - - - - - - -
Penyediaan Makan Minum
PERUSAHAAN 10 Informasi dan Komunikasi 6.730.237 - - 787.807 - - -
11 Aktivitas Keuangan dan Asuransi 19.895.939 2.009.545 - 4.667.186 - 929.696 -
Laporan 12 Real Estat - - - - - - -
Keberlanjutan
13 Aktivitas Profesional, Ilmiah dan Teknis - - - - - - -
Aktivitas Penyewaan dan Sewa
Guna Usaha Tanpa Hak Opsi,
14 - - - - - - -
Ketenagakerjaan, Agen Perjalanan dan
Penunjang Usaha Lainnya
Administrasi Pemerintahan, Pertahanan
15 - - - - - - -
dan Jaminan Sosial Wajib
16 Pendidikan - - - - - - -
Aktivitas Kesehatan Manusia dan
17 - - - - - - -
Aktivitas Sosial
18 Kesenian, Hiburan dan Rekreasi - - - - - - -
19 Aktivitas Jasa Lainnya - - - - - - -
Aktivitas Rumah Tangga sebagai
Pemberi Kerja; Aktivitas yang
20 Menghasilkan Barang dan Jasa oleh - - - - - - -
Rumah Tangga yang Digunakan untuk
Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan
21 - - - - - - -
Badan Ekstra Internasional Lainnya
22 Rumah Tangga - - - - - - -
23 Bukan Lapangan Usaha Lainnya - - - - - - -
24 Lainnya - - - - - - -
Total 27.672.567 2.009.545 - 5.454.993 - 929.696 -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 497
dalam jutaan Rupiah | in million Rupiah
Kredit untuk
Pengadaan
Tagihan kepada
Tanah,
Kredit Beragun Kredit Beragun Usaha Mikro,
Pengolahan Kredit Pegawai
Properti Rumah Properti Usaha Kecil, Tagihan kepada Tagihan yang
Tanah, dan atau Pensiunan
Tinggal Komersial dan Portofolio Korporasi Telah Jatuh Aset Lainnya
Konstruksi Employee
495
Residential Commercial Ritel Receivables Tempo Other Economic Sector
Land or
Property Property Receivables from Due Assets
Acquisition, Retirement
Collateralized Collateralized from Corporations Receivables
Land Processing Loans
Loans Loans Micro, Small and
and
Retail Portfolios
Construction 2024
Loans Performance
Highlights
j k l m n o p q
Report Date Position
- - - - 359.317 31.259 1.537 - Agriculture, Forestry, and Fishery Management
- - - - 52.055 860.393 - - Mining and Extractive Industries Report
1.035 - - - 101.939 441.084 1.693 - Processing Industry
Procurement of Electricity, Gas,
- - - - 4.561 - - - Company
Steam/Hot Water, and Cold Air
Water Management, Wastewater Profile
Management, Waste Management
- - - - 9.874 203.500 - -
and Recycling, and Remediation
Activities
Management
- - 264.331 - 283.186 1.331.878 89 - Construction Discussion and
"Wholesale and Retail Trade, Analysis
6.460 - - - 745.188 3.932.268 8.711 - Car and Motorcycle Repair and
Maintenance"
- - - - 58.919 162.112 286 - Transportation and Warehousing
Business
Provision of Accommodation and Support
704 - - - 91.760 14.804 267 -
Foods & Beverages
Overview
- - - - 2.591 168.337 56 - Information and Communication
- - - - 29.551 5.574.238 18 - Financial and Insurance Activities
- - - - 11.261 275.751 - - Real Estate CORPORATE
- - - - 1.908 57.733 17 -
Professional, Scientific, and GOVERNANCE
Technical Activities
Rental and Leasing Activities
Without Option Rights, Employment, Sustainability
- - - - 36.082 25.149 547 -
Travel agencies, and Other Business
Supports Report
Government Administration, Land
- - - - 10.969 3.705 - - Business, and Mandatory Social
Service
- - - - 20.263 8.982 - - Education
Human Health Activities and Social
624 - - - 18.377 70.073 - -
Activities
- - - - 6.308 871 - - Arts, Entertainment, and Recreation
5.565 - - - 41.926 - 126 - Other Service Activities
Activities of Households as
Employers; Activities that Produce
- - - - - - - -
Goods and Services by Households
Used to Meet Their Own Needs
International Organizations
- - - - - - - - and Other Extra International
Organizations Activities
125.761 133 - - 2.372.526 15.175 29.287 - Household
- - - - 144.707 37.591 - 189.085 Non-Business
- - - - - - - 2.531.006 Others
140.149 133 264.331 - 4.403.268 13.214.903 42.634 2.720.091 Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 498
Tagihan berupa
Tagihan Surat Berharga/
Tagihan kepada
kepada Bank Piutang
Perusahaan Efek
Pembangunan Subordinasi,
Tagihan kepada dan Lembaga
Multilateral Tagihan berupa Ekuitas, dan
Tagihan kepada Entitas Sektor Jasa Keuangan
dan Lembaga Tagihan kepada Covered Bond Instrumen Modal
Pemerintah Publik Lainnya
Internasional Bank Receivables Lainnya
No. Sektor Ekonomi Receivables Receivables Receivables
Receivables from Receivables in the form Receivables
from from Public from Securities
Multilateral from Banks of Covered in the
Government Sector Companies
Development Bond form of
Entities and Other
Banks Subordinated
Financial Services
and International Securities, Equity
Institutions
Institutions and Other Capital
Instruments
a b c d e f g h i
Posisi Periode Sebelumnya
1 Pertanian, Kehutanan dan Perikanan - - - - - - -
2 Pertambangan dan Penggalian - - - - - - -
3 Industri Pengolahan - - - - - - -
Pengadaan Listrik, Gas, Uap/Air Panas
4 - - - - - - -
dan Udara Dingin
496 5
Pengelolaan Air, Pengelolaan Air
Limbah, Pengelolaan dan Daur Ulang - - - - - - -
Sampah, dan Aktivitas Remediasi
Ikhtisar Kinerja 6 Konstruksi - - - - - - -
2024 Perdagangan Besar dan Eceran;
7 Reparasi dan Perawatan Mobil dan 2.005.238 - - - - - -
Sepeda Motor
Laporan
8 Pengangkutan dan Pergudangan - - - - - - -
Manajemen
Penyediaan Akomodasi dan
9 - - - - - - -
Penyediaan Makan Minum
Profil 10 Informasi dan Komunikasi 1.159.769 - - - - - -
Perusahaan 11 Aktivitas Keuangan dan Asuransi 20.992.985 2.210.968 - 2.836.486 - 1.001.881 -
12 Real Estat - - - - - - -
Analisis dan 13 Aktivitas Profesional, Ilmiah dan Teknis - - - - - - -
Pembahasan
Manajemen Aktivitas Penyewaan dan Sewa
Guna Usaha Tanpa Hak Opsi,
14 - - - - - - -
Ketenagakerjaan, Agen Perjalanan dan
Tinjauan Penunjang Usaha Lainnya
Pendukung Administrasi Pemerintahan, Pertahanan
Bisnis 15 - - - - - - -
dan Jaminan Sosial Wajib
16 Pendidikan - - - - - - -
TATA KELOLA Aktivitas Kesehatan Manusia dan
17 - - - - - - -
PERUSAHAAN Aktivitas Sosial
18 Kesenian, Hiburan dan Rekreasi - - - - - - -
Laporan 19 Aktivitas Jasa Lainnya - - - - - - -
Keberlanjutan Aktivitas Rumah Tangga sebagai
Pemberi Kerja; Aktivitas yang
20 Menghasilkan Barang dan Jasa oleh - - - - - - -
Rumah Tangga yang Digunakan untuk
Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan
21 - - - - - - -
Badan Ekstra Internasional Lainnya
22 Rumah Tangga - - - - - - -
23 Bukan Lapangan Usaha Lainnya - - - - - - -
24 Lainnya - - - - - - -
Total 24.157.992 2.210.968 - 2.836.486 - 1.001.881 -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 499
dalam jutaan Rupiah | in million Rupiah
Kredit untuk
Pengadaan
Tagihan kepada
Tanah,
Kredit Beragun Kredit Beragun Usaha Mikro,
Pengolahan Kredit Pegawai
Properti Rumah Properti Usaha Kecil, Tagihan kepada Tagihan yang
Tanah, dan atau Pensiunan
Tinggal Komersial dan Portofolio Korporasi Telah Jatuh Aset Lainnya
Konstruksi Employee
Residential Commercial Ritel Receivables Tempo Other Economic Sector
Land or
Property Property Receivables from Due Assets
Acquisition, Retirement
Collateralized Collateralized from Corporations Receivables
Land Processing Loans
Loans Loans Micro, Small and
and
Retail Portfolios
Construction
Loans
j k l m n o p q
Previous Period Position
- - - - 361.910 446.601 1.097 - Agriculture, Forestry, and Fishery
- - - - 3.583 1.011.234 - - Mining and Extractive Industries
- - - - 136.135 457.003 1.288 - Processing Industry
Procurement of Electricity, Gas,
- - - - 3.206 - - -
Steam/Hot Water, and Cold Air
- - - - 2.448 797 14 -
Water Management, Wastewater
Management, Waste Management
and Recycling, and Remediation
497
Activities
- - 95.754 - 50.462 - 260 - Construction 2024
"Wholesale and Retail Trade, Performance
330 - - - 948.494 5.387.608 11.610 - Car and Motorcycle Repair and Highlights
Maintenance"
- - - - 19.437 115.747 226 - Transportation and Warehousing
- - - - 91.706 13.625 796 -
Provision of Accommodation and Management
Foods & Beverages Report
- - - - 3.029 697.073 208 - Information and Communication
- - - - 10.635 6.831.110 - - Financial and Insurance Activities
- - - - 6.447 619.402 - - Real Estate Company
Professional, Scientific, and
Profile
- - - - 6.248 34.756 32 -
Technical Activities
Rental and Leasing Activities
- - - - 70.126 25.154 359 -
Without Option Rights, Employment, Management
Travel agencies, and Other Business Discussion and
Supports
Analysis
Government Administration, Land
- - - - - - - - Business, and Mandatory Social
Service
Business
- - - - 6.778 8.986 20 - Education
Support
Human Health Activities and Social
- - - - 5.837 - 7 -
Activities
Overview
- - - - 3.431 1.030 - - Arts, Entertainment, and Recreation
- - - - 10.917 8.443 677 - Other Service Activities
CORPORATE
Activities of Households as GOVERNANCE
Employers; Activities that Produce
4.103 - - - 2.546 - 11 -
Goods and Services by Households
Used to Meet Their Own Needs
Sustainability
International Organizations Report
- - - - - - - - and Other Extra International
Organizations Activities
3.794 142 - - 3.152.881 22.949 39.779 - Household
- - - - 115.723 38.556 - - Non-Business
- - - - - - - 3.001.980 Others
8.227 142 95.754 - 5.011.979 15.720.074 56.384 3.001.980 Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 500
Bank Secara Individu
Bank Individually
Tagihan berupa
Tagihan Surat Berharga/
Tagihan kepada
kepada Bank Piutang
Perusahaan Efek
Pembangunan Subordinasi,
Tagihan kepada dan Lembaga
Multilateral Tagihan berupa Ekuitas, dan
Tagihan kepada Entitas Sektor Jasa Keuangan
dan Lembaga Tagihan kepada Covered Bond Instrumen Modal
Pemerintah Publik Lainnya
Internasional Bank Receivables Lainnya
No. Sektor Ekonomi Receivables Receivables Receivables
Receivables from Receivables in the form Receivables
from from Public from Securities
Multilateral from Banks of Covered in the
Government Sector Companies
Development Bond form of
Entities and Other
Banks Subordinated
Financial Services
and International Securities, Equity
Institutions
Institutions and Other Capital
Instruments
a b c d e f g h i
Posisi Tanggal Laporan
1 Pertanian, Kehutanan dan Perikanan - - - - - - -
2 Pertambangan dan Penggalian - - - - - - -
3 Industri Pengolahan - - - - - - -
498 4
Pengadaan Listrik, Gas, Uap/Air Panas
dan Udara Dingin
- - - - - - -
Pengelolaan Air, Pengelolaan Air
Ikhtisar Kinerja 5 Limbah, Pengelolaan dan Daur Ulang - - - - - - -
2024 Sampah, dan Aktivitas Remediasi
6 Konstruksi - - - - - - -
Laporan Perdagangan Besar dan Eceran;
Manajemen 7 Reparasi dan Perawatan Mobil dan - - - - - - -
Sepeda Motor
8 Pengangkutan dan Pergudangan - - - - - - -
Profil Penyediaan Akomodasi dan
Perusahaan 9 - - - - - - -
Penyediaan Makan Minum
10 Informasi dan Komunikasi 999.126 - - - - - -
Analisis dan 11 Aktivitas Keuangan dan Asuransi 19.895.939 2.009.545 - 4.667.186 - 929.696 -
Pembahasan 12 Real Estat - - - - - - -
Manajemen
13 Aktivitas Profesional, Ilmiah dan Teknis - - - - - - -
Aktivitas Penyewaan dan Sewa
Tinjauan Guna Usaha Tanpa Hak Opsi,
Pendukung 14 - - - - - - -
Ketenagakerjaan, Agen Perjalanan dan
Bisnis Penunjang Usaha Lainnya
Administrasi Pemerintahan, Pertahanan
15 - - - - - - -
TATA KELOLA dan Jaminan Sosial Wajib
PERUSAHAAN 16 Pendidikan - - - - - - -
Aktivitas Kesehatan Manusia dan
17 - - - - - - -
Laporan Aktivitas Sosial
Keberlanjutan 18 Kesenian, Hiburan dan Rekreasi - - - - - - -
19 Aktivitas Jasa Lainnya - - - - - - -
Aktivitas Rumah Tangga sebagai
Pemberi Kerja; Aktivitas yang
20 Menghasilkan Barang dan Jasa oleh - - - - - - -
Rumah Tangga yang Digunakan untuk
Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan
21 - - - - - - -
Badan Ekstra Internasional Lainnya
22 Rumah Tangga - - - - - - -
23 Bukan Lapangan Usaha Lainnya - - - - - - -
24 Lainnya - - - - - - -
Total 20.895.065 2.009.545 - 4.667.186 - 929.696 -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 501
dalam jutaan Rupiah | in million Rupiah
Kredit untuk
Pengadaan
Tagihan kepada
Tanah,
Kredit Beragun Kredit Beragun Usaha Mikro,
Pengolahan Kredit Pegawai
Properti Rumah Properti Usaha Kecil, Tagihan kepada Tagihan yang
Tanah, dan atau Pensiunan
Tinggal Komersial dan Portofolio Korporasi Telah Jatuh Aset Lainnya
Konstruksi Employee
Residential Commercial Ritel Receivables Tempo Other Economic Sector
Land or
Property Property Receivables from Due Assets
Acquisition, Retirement
Collateralized Collateralized from Corporations Receivables
Land Processing Loans
Loans Loans Micro, Small and
and
Retail Portfolios
Construction
Loans
j k l m n o p q
Report Date Position
- - - - 355.935 31.259 1.537 - Agriculture, Forestry, and Fishery
- - - - 258 840.324 - - Mining and Extractive Industries
1.035 - - - 101.939 441.084 1.693 - Processing Industry
- - - - 4.561 - - -
Procurement of Electricity, Gas,
Steam/Hot Water, and Cold Air 499
Water Management, Wastewater
Management, Waste Management
- - - - 4.616 2.936 - -
and Recycling, and Remediation
2024
Activities Performance
- - 264.331 - 62.598 - - - Construction
Highlights
"Wholesale and Retail Trade,
6.460 - - - 734.377 3.844.963 8.711 - Car and Motorcycle Repair and
Maintenance" Management
- - - - 17.738 162.112 285 - Transportation and Warehousing Report
Provision of Accommodation and
704 - - - 91.760 14.804 267 -
Foods & Beverages
- - - - 2.466 100.030 56 - Information and Communication Company
- - - - 3.834 5.473.872 18 - Financial and Insurance Activities
Profile
- - - - 11.261 275.751 - - Real Estate
Professional, Scientific, and
- - - - 1.908 57.733 17 -
Technical Activities
Management
Discussion and
Rental and Leasing Activities
Without Option Rights, Employment, Analysis
- - - - 36.082 25.149 547 -
Travel agencies, and Other Business
Supports
Government Administration, Land Business
- - - - - - - - Business, and Mandatory Social Support
Service
Overview
- - - - 3.782 8.982 - - Education
Human Health Activities and Social
624 - - - 6.595 70.073 - -
Activities
CORPORATE
- - - - 6.308 871 - - Arts, Entertainment, and Recreation GOVERNANCE
654 - - - 38.079 - 126 - Other Service Activities
Activities of Households as
Employers; Activities that Produce Sustainability
- - - - - - - -
Goods and Services by Households Report
Used to Meet Their Own Needs
International Organizations
- - - - - - - - and Other Extra International
Organizations Activities
125.761 133 - - 2.226.898 15.175 28.699 - Household
- - - - 144.707 37.591 - - Non-Business
- - - - - - - 2.531.006 Others
135.238 133 264.331 - 3.855.702 11.402.709 41.956 2.531.006 Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 502
Tagihan berupa
Tagihan Surat Berharga/
Tagihan kepada
kepada Bank Piutang
Perusahaan Efek
Pembangunan Subordinasi,
Tagihan kepada dan Lembaga
Multilateral Tagihan berupa Ekuitas, dan
Tagihan kepada Entitas Sektor Jasa Keuangan
dan Lembaga Tagihan kepada Covered Bond Instrumen Modal
Pemerintah Publik Lainnya
Internasional Bank Receivables Lainnya
No. Sektor Ekonomi Receivables Receivables Receivables
Receivables from Receivables in the form Receivables
from from Public from Securities
Multilateral from Banks of Covered in the
Government Sector Companies
Development Bond form of
Entities and Other
Banks Subordinated
Financial Services
and International Securities, Equity
Institutions
Institutions and Other Capital
Instruments
a b c d e f g h i
Posisi Periode Sebelumnya
1 Pertanian, Kehutanan dan Perikanan - - - - - - -
2 Pertambangan dan Penggalian - - - - - - -
3 Industri Pengolahan - - - - - - -
Pengadaan Listrik, Gas, Uap/Air Panas
4 - - - - - - -
dan Udara Dingin
500 5
Pengelolaan Air, Pengelolaan Air
Limbah, Pengelolaan dan Daur Ulang - - - - - - -
Sampah, dan Aktivitas Remediasi
Ikhtisar Kinerja 6 Konstruksi - - - - - - -
2024 Perdagangan Besar dan Eceran;
7 Reparasi dan Perawatan Mobil dan - - - - - - -
Sepeda Motor
Laporan
8 Pengangkutan dan Pergudangan - - - - - - -
Manajemen
Penyediaan Akomodasi dan
9 - - - - - - -
Penyediaan Makan Minum
Profil 10 Informasi dan Komunikasi 1.159.769 - - - - - -
Perusahaan 11 Aktivitas Keuangan dan Asuransi 20.639.800 2.210.968 - 2.836.486 - 1.001.881 -
12 Real Estat - - - - - - -
Analisis dan 13 Aktivitas Profesional, Ilmiah dan Teknis - - - - - - -
Pembahasan
Manajemen Aktivitas Penyewaan dan Sewa
Guna Usaha Tanpa Hak Opsi,
14 - - - - - - -
Ketenagakerjaan, Agen Perjalanan dan
Tinjauan Penunjang Usaha Lainnya
Pendukung Administrasi Pemerintahan, Pertahanan
Bisnis 15 - - - - - - -
dan Jaminan Sosial Wajib
16 Pendidikan - - - - - - -
TATA KELOLA Aktivitas Kesehatan Manusia dan
17 - - - - - - -
PERUSAHAAN Aktivitas Sosial
18 Kesenian, Hiburan dan Rekreasi - - - - - - -
Laporan 19 Aktivitas Jasa Lainnya - - - - - - -
Keberlanjutan Aktivitas Rumah Tangga sebagai
Pemberi Kerja; Aktivitas yang
20 Menghasilkan Barang dan Jasa oleh - - - - - - -
Rumah Tangga yang Digunakan untuk
Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan
21 - - - - - - -
Badan Ekstra Internasional Lainnya
22 Rumah Tangga - - - - - - -
23 Bukan Lapangan Usaha Lainnya - - - - - - -
24 Lainnya - - - - - - -
Total 21.799.569 2.210.968 - 2.836.486 - 1.001.881 -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 503
dalam jutaan Rupiah | in million Rupiah
Kredit untuk
Pengadaan
Tagihan kepada
Tanah,
Kredit Beragun Kredit Beragun Usaha Mikro,
Pengolahan Kredit Pegawai
Properti Rumah Properti Usaha Kecil, Tagihan kepada Tagihan yang
Tanah, dan atau Pensiunan
Tinggal Komersial dan Portofolio Korporasi Telah Jatuh Aset Lainnya
Konstruksi Employee
Residential Commercial Ritel Receivables Tempo Other Economic Sector
Land or
Property Property Receivables from Due Assets
Acquisition, Retirement
Collateralized Collateralized from Corporations Receivables
Land Processing Loans
Loans Loans Micro, Small and
and
Retail Portfolios
Construction
Loans
j k l m n o p q
Previous Period Position
- - - - 335.312 6.087 1.083 - Agriculture, Forestry, and Fishery
- - - - 3.583 1.011.234 - - Mining and Extractive Industries
- - - - 119.877 457.003 1.288 - Processing Industry
Procurement of Electricity, Gas,
- - - - 3.146 - - -
Steam/Hot Water, and Cold Air
- - - - 2.448 797 - -
Water Management, Wastewater
Management, Waste Management
and Recycling, and Remediation
501
Activities
- - 95.754 - 45.169 - 260 - Construction 2024
"Wholesale and Retail Trade, Performance
330 - - - 836.811 2.911.568 10.640 - Car and Motorcycle Repair and Highlights
Maintenance"
- - - - 17.304 115.747 219 - Transportation and Warehousing
- - - - 80.474 13.625 776 -
Provision of Accommodation and Management
Foods & Beverages Report
- - - - 2.850 697.073 208 - Information and Communication
- - - - 10.635 6.820.165 - - Financial and Insurance Activities
- - - - 6.294 505.864 - - Real Estate Company
Professional, Scientific, and
Profile
- - - - 5.477 34.756 32 -
Technical Activities
Rental and Leasing Activities
- - - - 50.482 25.154 359 -
Without Option Rights, Employment, Management
Travel agencies, and Other Business Discussion and
Supports
Analysis
Government Administration, Land
- - - - - - - - Business, and Mandatory Social
Service
Business
- - - - 3.958 8.986 20 - Education
Support
Human Health Activities and Social
- - - - 4.613 - - -
Activities
Overview
- - - - 1.319 1.030 - - Arts, Entertainment, and Recreation
- - - - 7.529 8.443 677 - Other Service Activities
CORPORATE
Activities of Households as GOVERNANCE
Employers; Activities that Produce
- - - - - - - -
Goods and Services by Households
Used to Meet Their Own Needs
Sustainability
International Organizations Report
- - - - - - - - and Other Extra International
Organizations Activities
3.794 142 - - 2.977.200 22.949 36.300 - Household
- - - - 115.723 38.556 - - Non-Business
- - - - - - - 2.854.488 Others
4.124 142 95.754 - 4.630.204 12.679.037 51.862 2.854.488 Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 504
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Disclosure of Net Receivables by Remaining Contact Period
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Posisi Tanggal Laporan
Report Date
Tagihan Bersih berdasarkan sisa jangka waktu kontrak
Net Receivables by Remaining Contact Period
No. Kategori Portofolio
> 1 thn s.d. > 3 thn s.d. Non
502 ≤ 1 tahun
≤ 1 year
3 thn
>1 year to 3
5 thn
> 3 years to 5
> 5 thn
>5 year
Kontraktual
Non
Total
years years Contractual
Ikhtisar Kinerja
2024 a b c d e f g h
1 Tagihan kepada Pemerintah 14.153.786 114.081 3.883.504 9.521.196 - 27.672.567
Laporan Tagihan kepada Entitas Sektor
Manajemen 2 - - - 2.009.545 - 2.009.545
Publik
Tagihan kepada Bank
Profil 3 Pembangunan Multilateral dan - - - - - -
Perusahaan Lembaga Internasional
4 Tagihan kepada Bank 5.279.989 161.155 5.522 8.327 - 5.454.993
Analisis dan 5 Tagihan berupa Covered Bond - - - - - -
Pembahasan
Manajemen Tagihan kepada Perusahaan Efek
6 dan Lembaga Jasa Keuangan 661.762 - 121.738 146.196 - 929.696
Lainnya
Tinjauan
Pendukung Tagihan berupa Surat Berharga/
7 Piutang Subordinasi, Ekuitas, dan - - - - - -
Bisnis
Instrumen Modal Lainnya
Kredit Beragun Properti Rumah
TATA KELOLA 8 - 384 13.066 126.699 - 140.149
Tinggal
PERUSAHAAN
9 Kredit Beragun Properti Komersial - - - 133 - 133
Laporan
Keberlanjutan Kredit untuk Pengadaan
10 Tanah, Pengolahan Tanah, dan 264.331 - - - - 264.331
Konstruksi
11 Kredit Pegawai atau Pensiunan - - - - - -
Tagihan kepada Usaha Mikro,
12 641.824 2.110.401 1.480.968 205.508 - 4.438.701
Usaha Kecil, dan Portofolio Ritel
13 Tagihan kepada Korporasi 5.348.372 950.606 1.065.284 5.947.519 - 13.311.781
14 Tagihan yang Telah Jatuh Tempo 8.544 25.520 6.975 1.595 - 42.634
15 Aset Lainnya - - - - 2.720.091 2.720.091
Total 26.358.608 3.362.147 6.577.057 17.966.718 2.720.091 56.984.621
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 505
dalam jutaan Rupiah | in million Rupiah
Posisi Tanggal Laporan Tahun Sebelumnya
Previous Year Report Date Position
Tagihan Bersih berdasarkan sisa jangka waktu kontrak
Net Receivables by Remaining Contact Period
Portfolio Category
> 1 thn s.d. > 3 thn s.d. Non
≤ 1 tahun
≤ 1 year
3 thn
>1 year to 3
5 thn
> 3 years to 5
> 5 thn
>5 year
Kontraktual
Non
Total 503
years years Contractual
2024
i j k l m n
Performance
14.821.888 810.002 - 8.526.101 - 24.157.991 Receivables from Government Highlights
Receivables from Public Sector
- - 48.839 2.162.129 - 2.210.968
Entities
Management
Receivables from Multilateral Report
- - - - - - Development Banks and
International Institutions
2.807.808 23.311 5.367 - - 2.836.486 Receivables from Banks Company
Profile
- - - - - - Receivables from Covered Bond
Receivables from Securities
700.897 94 - 300.890 - 1.001.881 Companies and Other Financial Management
Services Institutions Discussion and
Analysis
Receivables in the form of
- - - - - - Subordinated Securities, Equity
and Other Capital Instruments
Business
Residential Property Collateralized Support
1.755 - 877 5.596 - 8.228
Loans Overview
Commercial Property
- - - 142 - 142
Collateralized Loans
CORPORATE
Land Acquisition, Land Processing GOVERNANCE
94.541 1.213 - - - 95.754
and Construction Loans
- - - - - - Employee or Retairement Loans Sustainability
Receivables from Report
488.163 2.956.556 1.393.135 174.125 - 5.011.979 Microbusiness,Small Business, and
Retail Portfolio
3.921.056 2.699.422 304.371 8.795.225 - 15.720.074 Receivables from Corporations
9.149 32.546 13.185 1.504 - 56.384 Due Receivables
- - - - 3.001.980 3.001.980 Other Assets
22.845.257 6.523.144 1.765.774 19.965.712 3.001.980 54.101.866
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 506
Bank Secara Individu
Bank Individually
Posisi Tanggal Laporan
Report Date
Tagihan Bersih berdasarkan sisa jangka waktu kontrak
Net Receivables by Remaining Contact Period
No. Kategori Portofolio
> 1 thn s.d. > 3 thn s.d. Non
≤ 1 tahun
3 thn 5 thn > 5 thn Kontraktual
≤ 1 year Total
>1 year to 3 > 3 years to 5 >5 year Non
years years Contractual
a b c d e f g h
1 Tagihan kepada Pemerintah 11.339.680 10.289 23.900 9.521.196 - 20.895.065
Tagihan kepada Entitas Sektor
2 - - - 2.009.545 - 2.009.545
Publik
Tagihan kepada Bank
3 Pembangunan Multilateral dan - - - - - -
Lembaga Internasional
504 4 Tagihan kepada Bank 4.492.182 161.155 5.522 8.327 - 4.667.186
5 Tagihan berupa Covered Bond - - - - - -
Ikhtisar Kinerja
2024 Tagihan kepada Perusahaan Efek
6 dan Lembaga Jasa Keuangan 661.762 - 121.738 146.196 - 929.696
Lainnya
Laporan
Manajemen Tagihan berupa Surat Berharga/
7 Piutang Subordinasi, Ekuitas, dan - - - - - -
Instrumen Modal Lainnya
Profil
Kredit Beragun Properti Rumah
Perusahaan 8 - 384 8.155 126.699 - 135.238
Tinggal
Analisis dan 9 Kredit Beragun Properti Komersial - - - 133 - 133
Pembahasan
Manajemen Kredit untuk Pengadaan
10 Tanah, Pengolahan Tanah, dan 264.331 - - - - 264.331
Konstruksi
Tinjauan
11 Kredit Pegawai atau Pensiunan - - - - - -
Pendukung
Bisnis
Tagihan kepada Usaha Mikro,
12 615.609 1.929.462 1.105.248 205.383 - 3.855.702
Usaha Kecil, dan Portofolio Ritel
TATA KELOLA
PERUSAHAAN 13 Tagihan kepada Korporasi 4.163.765 901.458 389.967 5.947.519 - 11.402.709
14 Tagihan yang Telah Jatuh Tempo 8.505 25.059 6.797 1.595 - 41.956
Laporan 15 Aset Lainnya - - - - 2.531.006 2.531.006
Keberlanjutan
Total 21.545.834 3.027.807 1.661.327 17.966.593 2.531.006 46.732.567
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 507
dalam jutaan Rupiah | in million Rupiah
Posisi Tanggal Laporan Tahun Sebelumnya
Previous Year Report Date Position
Tagihan Bersih berdasarkan sisa jangka waktu kontrak
Net Receivables by Remaining Contact Period
Portfolio Category
> 1 thn s.d. > 3 thn s.d. Non
≤ 1 tahun
3 thn 5 thn > 5 thn Kontraktual
≤ 1 year Total
>1 year to 3 > 3 years to 5 >5 year Non
years years Contractual
i j k l m n
13.318.713 307.940 - 8.172.916 - 21.799.569 Receivables from Government
Receivables from Public Sector
- - 48.839 2.162.129 - 2.210.968
Entities
Receivables from Multilateral
- - - - - - Development Banks and
International Institutions
2.807.808 23.311 5.367 - - 2.836.486 Receivables from Banks
505
- - - - - - Receivables from Covered Bond
2024
Receivables from Securities Performance
700.897 94 - 300.890 - 1.001.881 Companies and Other Financial Highlights
Services Institutions
Receivables in the form of
- - - - - - Subordinated Securities, Equity Management
and Other Capital Instruments Report
Residential Property Collateralized
- - 877 3.247 - 4.124
Loans
Company
Commercial Property Profile
- - - 142 - 142
Collateralized Loans
Land Acquisition, Land Processing
94.541 1.213 - - - 95.754 Management
and Construction Loans
Discussion and
Analysis
- - - - - - Employee or Retairement Loans
Receivables from
477.076 2.832.937 1.159.932 160.259 - 4.630.204 Microbusiness,Small Business, and Business
Retail Portfolio Support
2.639.151 1.854.208 153.272 8.032.406 - 12.679.037 Receivables from Corporations Overview
8.352 30.972 11.034 1.504 - 51.862 Due Receivables
- - - - 2.854.488 2.854.488 Other Assets CORPORATE
GOVERNANCE
20.046.538 5.050.675 1.379.321 18.833.493 2.854.488 48.164.514
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 508
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi
Disclosure of Receivables and Allowances by Economic Sector
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Telah Jatuh Tempo
Not yet matured Matured
506 a
Posisi Tanggal Laporan
b c d e
Ikhtisar Kinerja 1 Pertanian, Kehutanan dan Perikanan 405.360 - 3.199
2024 2 Pertambangan dan Penggalian 850.874 - -
3 Industri Pengolahan 699.038 - 3.786
Laporan
Manajemen 4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin 4.732 - -
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan
Profil 5 9.814 - -
Daur Ulang Sampah, dan Aktivitas Remediasi
Perusahaan
6 Konstruksi 650.562 - -
Analisis dan Perdagangan Besar dan Eceran; Reparasi dan Perawatan
7 5.896.350 - 16.965
Pembahasan Mobil dan Sepeda Motor
Manajemen 8 Pengangkutan dan Pergudangan 445.172 - 556
9 Penyediaan Akomodasi dan Penyediaan Makan Minum 110.244 - 520
Tinjauan
Pendukung 10 Informasi dan Komunikasi 2.002.003 - 110
Bisnis 11 Aktivitas Keuangan dan Asuransi 33.635.282 - 60
12 Real Estate 288.913 - -
TATA KELOLA
PERUSAHAAN 13 Aktivitas Profesional, Ilmiah dan Teknis 77.629 - 32
Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,
Laporan 14 Ketenagakerjaan, Agen Perjalanan dan Penunjang Usaha 72.692 - 1.066
Lainnya
Keberlanjutan
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial
15 - - -
Wajib
16 Pendidikan 12.786 - -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 79.206 - -
18 Kesenian, Hiburan dan Rekreasi 8.664 - -
19 Aktivitas Jasa Lainnya 40.182 - 245
Aktivitas Rumah Tangga sebagai Pemberi Kerja; Aktivitas yang
20 Menghasilkan Barang dan Jasa oleh Rumah Tangga yang - - -
Digunakan untuk Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan Badan Ekstra Internasional
21 - - -
Lainnya
22 Rumah Tangga 2.449.796 - 53.640
23 Bukan Lapangan Usaha Lainnya 389.064 - -
24 Lainnya 2.531.443 - -
Total 50.659.807 - 80.179
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 509
dalam jutaan Rupiah | in million Rupiah
CKPN CKPN CKPN
Tagihan yang
Stage 1 Stage 2 Stage 3
Dihapus Buku
Allowance for Allowance for Allowance for Economic Sector
Amounts
Impairment Impairment Impairment
written-off
Losses Stage 1 Losses Stage 2 Losses Stage 3
f g h i
Report Date Position
507
- 1.079 1.662 - Agriculture, Forestry, and Fishery 2024
- - - - Mining and Extractive Industries Performance
Highlights
- 939 2.094 - Processing Industry
Procurement of Electricity, Gas, Steam/Hot Water, and Cold
- - - -
Air Management
Report
Water Management, Wastewater Management, Waste
- 195 - -
Management and Recycling, and Remediation Activities
- 221 - - Construction Company
Wholesale and Retail Trade, Car and Motorcycle Repair and Profile
- 276.433 137.882 -
Maintenance
- 102 270 - Transportation and Warehousing Management
- 859 253 - Provision of Accommodation and Foods & Beverages Discussion and
Analysis
- - 53 - Information and Communication
- - 42 - Financial and Insurance Activities
Business
- 86 - - Real Estate Support
- - 16 - Professional, Scientific, and Technical Activities Overview
Rental and Leasing Activities Without Option Rights,
- 495 519 -
Employment, Travel agencies, and Other Business Supports CORPORATE
GOVERNANCE
Government Administration, Land Business, and Mandatory
- - - -
Social Service
- - - - Education Sustainability
Report
- 364 - - Human Health Activities and Social Activities
- 7 - - Arts, Entertainment, and Recreation
- 1.203 119 - Other Service Activities
Activities of Households as Employers; Activities that
- - - - Produce Goods and Services by Households Used to Meet
Their Own Needs
International Organizations and Other Extra International
- - - -
Organizations Activities
- 28.071 25.060 - Household
- 12 57 - Non-Business
- - - - Others
- 310.066 168.027 - Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 510
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Telah Jatuh Tempo
Not yet matured Matured
a b c d e
Posisi Periode Sebelumnya
1 Pertanian, Kehutanan dan Perikanan 813.800 6.096 3.049
2 Pertambangan dan Penggalian 1.014.904 147 -
3 Industri Pengolahan 685.963 78.231 3.212
4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin 3.359 - -
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan
5 7.467 - -
Daur Ulang Sampah, dan Aktivitas Remediasi
6 Konstruksi 374.749 1.887 485
508 7
Perdagangan Besar dan Eceran; Reparasi dan Perawatan
Mobil dan Sepeda Motor
9.810.355 462.453 18.928
8 Pengangkutan dan Pergudangan 427.844 264 389
Ikhtisar Kinerja
2024 9 Penyediaan Akomodasi dan Penyediaan Makan Minum 113.277 14.066 1.375
10 Informasi dan Komunikasi 1.873.999 1.986 369
Laporan 11 Aktivitas Keuangan dan Asuransi 34.539.307 - -
Manajemen
12 Real Estate 628.593 279 -
13 Aktivitas Profesional, Ilmiah dan Teknis 82.411 - 57
Profil
Perusahaan Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,
14 Ketenagakerjaan, Agen Perjalanan dan Penunjang Usaha 163.593 1.817 636
Lainnya
Analisis dan
Pembahasan Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial
15 - - -
Manajemen Wajib
16 Pendidikan 15.817 - 36
Tinjauan 17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 153.842 98 -
Pendukung
Bisnis 18 Kesenian, Hiburan dan Rekreasi 4.462 - -
19 Aktivitas Jasa Lainnya 25.319 524 1.200
TATA KELOLA Aktivitas Rumah Tangga sebagai Pemberi Kerja; Aktivitas yang
PERUSAHAAN 20 Menghasilkan Barang dan Jasa oleh Rumah Tangga yang 6.660 - -
Digunakan untuk Memenuhi Kebutuhan Sendiri
Laporan Aktivitas Badan Internasional dan Badan Ekstra Internasional
21 - - -
Keberlanjutan Lainnya
22 Rumah Tangga 3.314.778 933.209 71.986
23 Bukan Lapangan Usaha Lainnya 318.421 416 -
24 Lainnya 3.036.586 - -
Total 57.415.506 1.501.473 101.721
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 511
dalam jutaan Rupiah | in million Rupiah
CKPN CKPN CKPN
Tagihan yang
Stage 1 Stage 2 Stage 3
Dihapus Buku
Allowance for Allowance for Allowance for Economic Sector
Amounts
Impairment Impairment Impairment
written-off
Losses Stage 1 Losses Stage 2 Losses Stage 3
f g h i
Previous Period Position
13 1.356 1.967 12.760 Agriculture, Forestry, and Fishery
- 25 - 56.449 Mining and Extractive Industries
- 1.589 2.527 23.068 Processing Industry
Procurement of Electricity, Gas, Steam/Hot Water, and Cold
- - - -
Air
Water Management, Wastewater Management, Waste
- 5 - -
Management and Recycling, and Remediation Activities
- 412 335 56.570 Construction
331.233 275.364 9.328 2.904.661
Wholesale and Retail Trade, Car and Motorcycle Repair and
Maintenance 509
- 322 169 2.264 Transportation and Warehousing
2024
8 525 1.816 99.884 Provision of Accommodation and Foods & Beverages
Performance
- 7.790 1.026 2.721 Information and Communication Highlights
- - 72 241.994 Financial and Insurance Activities
- 59 - 667.103 Real Estate Management
Report
- - 25 1.960 Professional, Scientific, and Technical Activities
Rental and Leasing Activities Without Option Rights,
- 161 277 707.365 Company
Employment, Travel agencies, and Other Business Supports
Profile
Government Administration, Land Business, and Mandatory
- - - -
Social Service
Management
2 - 16 - Education
Discussion and
1 28 147.969 517 Human Health Activities and Social Activities Analysis
- - - 285.194 Arts, Entertainment, and Recreation
- 160 523 582 Other Service Activities Business
Support
Activities of Households as Employers; Activities that
Overview
- - - 10.273 Produce Goods and Services by Households Used to Meet
Their Own Needs
International Organizations and Other Extra International CORPORATE
- - - -
Organizations Activities GOVERNANCE
291 59.381 35.847 346.144 Household
- 187 25 434.610 Non-Business Sustainability
- - - - Others Report
331.548 347.365 201.920 5.854.119 Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 512
Bank Secara Individu
Bank Individually
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Telah Jatuh Tempo
Not yet matured Matured
a b c d e
Posisi Tanggal Laporan
1 Pertanian, Kehutanan dan Perikanan 405.360 - 3.199
2 Pertambangan dan Penggalian 850.874 - -
3 Industri Pengolahan 699.038 - 3.786
4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin 4.732 - -
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan
5 9.814 - -
Daur Ulang Sampah, dan Aktivitas Remediasi
510 6 Konstruksi 650.562 - -
Perdagangan Besar dan Eceran; Reparasi dan Perawatan
7 5.896.350 - 16.965
Ikhtisar Kinerja Mobil dan Sepeda Motor
2024
8 Pengangkutan dan Pergudangan 445.172 - 556
9 Penyediaan Akomodasi dan Penyediaan Makan Minum 110.244 - 520
Laporan
Manajemen 10 Informasi dan Komunikasi 2.002.003 - 110
11 Aktivitas Keuangan dan Asuransi 33.635.282 - 60
Profil 12 Real Estate 288.913 - -
Perusahaan
13 Aktivitas Profesional, Ilmiah dan Teknis 77.629 - 32
Analisis dan Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,
Pembahasan 14 Ketenagakerjaan, Agen Perjalanan dan Penunjang Usaha 72.692 - 1.066
Manajemen Lainnya
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial
15 - - -
Wajib
Tinjauan
Pendukung 16 Pendidikan 12.786 - -
Bisnis
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 79.206 - -
18 Kesenian, Hiburan dan Rekreasi 8.664 - -
TATA KELOLA
PERUSAHAAN 19 Aktivitas Jasa Lainnya 40.182 - 245
Aktivitas Rumah Tangga sebagai Pemberi Kerja; Aktivitas yang
Laporan 20 Menghasilkan Barang dan Jasa oleh Rumah Tangga yang - - -
Keberlanjutan Digunakan untuk Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan Badan Ekstra Internasional
21 - - -
Lainnya
22 Rumah Tangga 2.449.796 - 53.640
23 Bukan Lapangan Usaha Lainnya 389.064 - -
24 Lainnya 2.531.443 - -
Total 50.659.807 - 80.179
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 513
dalam jutaan Rupiah | in million Rupiah
CKPN CKPN CKPN
Tagihan yang
Stage 1 Stage 2 Stage 3
Dihapus Buku
Allowance for Allowance for Allowance for Economic Sector
Amounts
Impairment Impairment Impairment
written-off
Losses Stage 1 Losses Stage 2 Losses Stage 3
f g h i
Report Date Position
- 1.079 1.662 - Agriculture, Forestry, and Fishery
- - - - Mining and Extractive Industries
- 939 2.094 - Processing Industry
Procurement of Electricity, Gas, Steam/Hot Water, and Cold
- - - -
Air
Water Management, Wastewater Management, Waste
- 195 - -
Management and Recycling, and Remediation Activities
- 221 - - Construction 511
Wholesale and Retail Trade, Car and Motorcycle Repair and
- 276.433 137.882 -
Maintenance 2024
- 102 270 - Transportation and Warehousing Performance
Highlights
- 859 253 - Provision of Accommodation and Foods & Beverages
- - 53 - Information and Communication
Management
- - 42 - Financial and Insurance Activities Report
- 86 - - Real Estate
- - 16 - Professional, Scientific, and Technical Activities Company
Profile
Rental and Leasing Activities Without Option Rights,
- 495 519 -
Employment, Travel agencies, and Other Business Supports
Management
Government Administration, Land Business, and Mandatory
- - - - Discussion and
Social Service
Analysis
- - - - Education
- 364 - - Human Health Activities and Social Activities
Business
- 7 - - Arts, Entertainment, and Recreation Support
- 1.203 119 - Other Service Activities Overview
Activities of Households as Employers; Activities that
- - - - Produce Goods and Services by Households Used to Meet CORPORATE
Their Own Needs
GOVERNANCE
International Organizations and Other Extra International
- - - -
Organizations Activities
Sustainability
- 28.071 25.060 - Household
Report
- 12 57 - Non-Business
- - - - Others
- 310.066 168.027 - Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 514
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Telah Jatuh Tempo
Not yet matured Matured
a b c d e
Posisi Periode Sebelumnya
1 Pertanian, Kehutanan dan Perikanan 346.675 6.096 3.049
2 Pertambangan dan Penggalian 1.014.904 147 -
3 Industri Pengolahan 669.705 78.231 3.212
4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin 3.299 - -
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan
5 7.453 - -
Daur Ulang Sampah, dan Aktivitas Remediasi
6 Konstruksi 369.457 1.887 485
512 7
Perdagangan Besar dan Eceran; Reparasi dan Perawatan
Mobil dan Sepeda Motor
5.216.425 462.453 18.928
8 Pengangkutan dan Pergudangan 425.704 264 389
Ikhtisar Kinerja
2024 9 Penyediaan Akomodasi dan Penyediaan Makan Minum 102.025 14.066 1.375
10 Informasi dan Komunikasi 1.873.820 1.986 369
Laporan 11 Aktivitas Keuangan dan Asuransi 34.175.175 - -
Manajemen
12 Real Estate 514.905 279 -
13 Aktivitas Profesional, Ilmiah dan Teknis 81.640 - 57
Profil
Perusahaan Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,
14 Ketenagakerjaan, Agen Perjalanan dan Penunjang Usaha 143.949 1.817 636
Lainnya
Analisis dan
Pembahasan Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial
15 - - -
Manajemen Wajib
16 Pendidikan 12.997 - 36
Tinjauan 17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 4.641 98 -
Pendukung
Bisnis 18 Kesenian, Hiburan dan Rekreasi 2.349 - -
19 Aktivitas Jasa Lainnya 21.931 524 1.200
TATA KELOLA Aktivitas Rumah Tangga sebagai Pemberi Kerja; Aktivitas yang
PERUSAHAAN 20 Menghasilkan Barang dan Jasa oleh Rumah Tangga yang - - -
Digunakan untuk Memenuhi Kebutuhan Sendiri
Laporan Aktivitas Badan Internasional dan Badan Ekstra Internasional
21 - - -
Keberlanjutan Lainnya
22 Rumah Tangga 3.135.617 933.209 71.986
23 Bukan Lapangan Usaha Lainnya 318.421 416 -
24 Lainnya 2.889.094 - -
Total 51.330.186 1.501.473 101.721
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 515
dalam jutaan Rupiah | in million Rupiah
CKPN CKPN CKPN
Tagihan yang
Stage 1 Stage 2 Stage 3
Dihapus Buku
Allowance for Allowance for Allowance for Economic Sector
Amounts
Impairment Impairment Impairment
written-off
Losses Stage 1 Losses Stage 2 Losses Stage 3
f g h i
Previous Period Position
- 1.356 1.967 12.306 Agriculture, Forestry, and Fishery
- 25 - 18.368 Mining and Extractive Industries
- 1.589 2.527 23.068 Processing Industry
Procurement of Electricity, Gas, Steam/Hot Water, and Cold
- - - -
Air
Water Management, Wastewater Management, Waste
- 5 - -
Management and Recycling, and Remediation Activities
- 412 335 49.867 Construction
- 275.364 9.328 2.795.112
Wholesale and Retail Trade, Car and Motorcycle Repair and
Maintenance 513
- 322 169 2.256 Transportation and Warehousing
2024
- 525 1.816 60.726 Provision of Accommodation and Foods & Beverages
Performance
- 7.790 1.026 166 Information and Communication Highlights
- - 72 168.092 Financial and Insurance Activities
- 59 - 655.529 Real Estate Management
Report
- - 25 1.960 Professional, Scientific, and Technical Activities
Rental and Leasing Activities Without Option Rights,
- 161 277 700.272 Company
Employment, Travel agencies, and Other Business Supports
Profile
Government Administration, Land Business, and Mandatory
- - - -
Social Service
Management
- - 16 - Education
Discussion and
- 28 - 148 Human Health Activities and Social Activities Analysis
- - - 285.194 Arts, Entertainment, and Recreation
- 160 523 463 Other Service Activities Business
Support
Activities of Households as Employers; Activities that
Overview
- - - 10.273 Produce Goods and Services by Households Used to Meet
Their Own Needs
International Organizations and Other Extra International CORPORATE
- - - -
Organizations Activities GOVERNANCE
- 59.381 35.847 346.144 Household
- 187 25 415.815 Non-Business Sustainability
- - - - Others Report
- 347.365 53.951 5.545.759 Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 516
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Tagihan Berdasarkan Hari Tunggakan
Disclosure of Receivables by Due Date
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
dalam jutaan Rupiah | in million Rupiah
Posisi Tanggal Laporan Posisi Tanggal Laporan Tahun Sebelumnya
Report Date Previous Year Report Date Position
Tagihan Berdasarkan Hari Tunggakan Tagihan Berdasarkan Hari Tunggakan
Receivables by Due Date Receivables by Due Date
Jenis Eksposur
No.
Exposure Type > 90 hari > 120 hari > 90 hari > 120 hari
514 s.d. 120
hari
s.d. 180
hari
> 180 hari
Total
s.d. 120
hari
s.d. 180
hari
> 180 hari
Total
> 180 days > 180 days
> 90 days > 120 days > 90 days > 120 days
Ikhtisar Kinerja to 120 days to 180 days to 120 days to 180 days
2024
a b c d e f g h i j
Kredit yang
Laporan
termasuk dalam
Manajemen
Tagihan yang Telah
1 25.960 22.440 38.675 87.075 52.908 20.716 32.620 106.244
Jatuh Tempo
Profil Loan included in
Perusahaan Due Receivables
Surat Berharga yang
termasuk dalam
Analisis dan
Tagihan yang Telah
Pembahasan 2 - - - - - - - -
Jatuh Tempo
Manajemen Securities Included
in Due Receivables
Tinjauan Total 25.960 22.440 38.675 87.075 52.908 20.716 32.620 106.244
Pendukung
Bisnis
Bank Secara Individu
TATA KELOLA
Bank Individually
dalam jutaan Rupiah | in million Rupiah
PERUSAHAAN
Posisi Tanggal Laporan Posisi Tanggal Laporan Tahun Sebelumnya
Report Date Previous Year Report Date Position
Laporan
Keberlanjutan Tagihan Berdasarkan Hari Tunggakan Tagihan Berdasarkan Hari Tunggakan
Receivables by Due Date Receivables by Due Date
Jenis Eksposur
No.
Exposure Type > 90 hari > 120 hari > 90 hari > 120 hari
s.d. 120 s.d. 180 s.d. 120 s.d. 180
> 180 hari > 180 hari
hari hari Total hari hari Total
> 180 days > 180 days
> 90 days > 120 days > 90 days > 120 days
to 120 days to 180 days to 120 days to 180 days
a b c d e f g h i j
Kredit yang
termasuk dalam
Tagihan yang Telah
1 23.071 20.604 36.504 80.179 50.136 20.017 31.569 101.722
Jatuh Tempo
Loan included in
Due Receivables
Surat Berharga yang
termasuk dalam
Tagihan yang Telah
2 - - - - - - - -
Jatuh Tempo
Securities Included
in Due Receivables
Total 23.071 20.604 36.504 80.179 50.136 20.017 31.569 101.722
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 517
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Tambahan terkait Perlakuan terhadap Aset Bermasalah (CRB-A)
Additional Disclosures regarding Treatment of Non-Performing Assets (CRB-A)
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Analisa Kualitatif Qualitative Analysis
Aset Non-performing adalah aset produktif sebagaimana diatur dalam Non-performing Assets are productive assets as regulated in the Financial
Peraturan Otoritas Jasa Keuangan No.40/POJK.03/2019 tentang Services Authority Regulation No. 40/POJK.03/2019 concerning the
Penilaian Kualitas Aset Bank Umum, dan memiliki kualitas aset Kurang Assessment of the Quality of Commercial Bank Assets, and are classified
Lancar, Diragukan, dan Macet. Kredit korporasi adalah tagihan kepada as having Poor, Doubtful, and Loss asset quality. Corporate credit refers
korporasi berupa pinjaman atau surat utang kepada korporasi termasuk to receivables from corporations in the form of loans or debt securities
tagihan kepada perusahaan asuransi sesuai dengan Ketentuan SEOJK
No.24/SEOJK.03/2021, sedangkan untuk kredit ritel adalah tagihan selain
to corporations, including receivables from insurance companies in
accordance with SEOJK Regulation No. 24/SEOJK.03/2021, while retail 515
kepada korporasi. credit refers to receivables other than those from corporations.
Restrukturisasi Kredit/Pembiayaan adalah upaya perbaikan yang Credit/Financing Restructuring is an improvement effort made by the 2024
dilakukan oleh Bank kepada Debitur/Nasabah yang mengalami kesulitan Bank to Debtors/Customers who are experiencing difficulties in fulfilling Performance
untuk memenuhi kewajibannya (pembayaran pokok dan/atau bunga/ their obligations (principal and/or interest/margin/profit sharing/ujrah) as Highlights
margin/bagi hasil/ujrah) sepanjang Debitur/Nasabah yang bersangkutan long as the Debtor/Customer still has good business prospects and is
masih memiliki prospek usaha yang baik dan dinilai mampu memenuhi assessed to be able to meet obligations after the Credit/Financing is
kewajiban setelah Kredit/Pembiayaan direstrukturisasi. Selain itu terdapat restructured. Additionally, there is Covid-19 Restructuring, which refers to Management
Restrukturisasi Covid-19, yakni penanganan khusus kepada debitur/ special handling for debtors/customers who are experiencing difficulties Report
nasabah yang mengalami kesulitan untuk memenuhi kewajiban pada in meeting their obligations to the Bank due to their businesses being
Bank karena usahanya terkena dampak dari penyebaran COVID-19 baik affected by the spread of COVID-19, either directly or indirectly, but still
secara langsung ataupun tidak langsung namun masih memiliki prospek have business prospects and the ability to pay their obligations.
usaha sehingga masih memiliki kemampuan membayar kewajiban. Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 518
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Aset Performing dan Non Performing
Disclosure of Performing and Non-Performing Assets
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
dalam jutaan Rupiah | in million Rupiah
Non Performing
(Kualitas KL, D, M)
(Quality KL, D, M)
Performing Tagihan yang Tidak Mengalami Penurunan Nilai
(Kualitas L dan DPK) Tagihan yang Mengalami Non Impaired Receivables
(Quality L and DPK) Penurunan Nilai Memiliki Tunggakan > 90 Memiliki Tunggakan ≤ 90
516
Impaired Receivables Hari Hari
> 90 days past due ≤ 90 days past due
Nilai CKPN Nilai CKPN Nilai CKPN Nilai CKPN
Tercatat Allowance Tercatat Allowance Tercatat Allowance Tercatat Allowance
Ikhtisar Kinerja for for for for
Bruto Bruto Bruto Bruto
2024 Gross Impairment Gross Impairment Gross Impairment Gross Impairment
Losses Losses Losses Losses
a b c d e f g h
Laporan
Surat Berharga
Manajemen 1 Securities 22.162.929 - 466.291 -
2 Kredit 14.481.024 606.004 217.680 60.341
Profil Loans
Perusahaan a. Korporasi 7.819.097 356.247 129.922 1.348
Corporate
b.Ritel 6.661.927 249.757 87.758 58.993
Analisis dan Retail
Pembahasan Transaksi
Manajemen Rekening
3 Administratif 4.395.592 - - -
Administrative
Tinjauan Account
Transactions
Pendukung
Penempatan
Bisnis 4 Placement 16.472.477 - - -
5 Aset Lainnya 2.720.091 - - -
TATA KELOLA Other Assets
PERUSAHAAN Derivatif selain
Kredit
6 Derivatives 2.292 - - -
other than
Laporan Credit
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 519
Bank Secara Individu
Bank Individually
dalam jutaan Rupiah | in million Rupiah
Non Performing
(Kualitas KL, D, M)
(Quality KL, D, M)
Performing Tagihan yang Tidak Mengalami Penurunan Nilai
(Kualitas L dan DPK) Tagihan yang Mengalami Non Impaired Receivables
(Quality L and DPK) Penurunan Nilai Memiliki Tunggakan > 90 Memiliki Tunggakan ≤ 90
Impaired Receivables Hari Hari
> 90 days past due ≤ 90 days past due
Nilai CKPN Nilai CKPN Nilai CKPN Nilai CKPN
Tercatat Allowance Tercatat Allowance Tercatat Allowance Tercatat Allowance
Bruto for Bruto for Bruto for Bruto for
Gross Impairment Gross Impairment Gross Impairment Gross Impairment
Losses Losses Losses Losses
a b c d e f g h
1 Surat Berharga 17.169.244 - 466.291 -
Securities
2 Kredit 11.006.108 606.004 210.588 53.952
Loans
a. Korporasi
Corporate 5.978.333 356.247 129.922 1.348
517
b.Ritel 5.027.775 249.757 80.666 52.604
Retail
Transaksi 2024
Rekening Performance
3 Administratif 4.395.342 - - - Highlights
Administrative
Account
Transactions
4 Penempatan 14.878.937 - - -
Management
Placement Report
5 Aset Lainnya 2.531.006 - - -
Other Assets
Derivatif selain Company
Kredit
6 Derivatives 2.292 - - - Profile
other than
Credit
Management
Discussion and
Analysis
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 520
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Aset Restrukturisasi Performing dan Non-Performing
Disclosure of Performing and Non-Performing Restructuring Assets
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Performing Non Performing
(Kualitas L dan DPK | Quality L and DPK) (Kualitas KL, D dan M | Quality KL, D, M)
CKPN CKPN
Nilai Tercatat Bruto Nilai Tercatat Bruto
Allowance for Allowance for
Gross Gross
Impairment Losses Impairment Losses
518 1 Surat Berharga
a
-
b
-
c
-
d
-
2 Kredit 974.284 330.683 22.910 12.070
Ikhtisar Kinerja
2024 a. Korporasi 823.624 320.560 1.792 870
b. Ritel 150.660 10.123 21.118 11.200
Laporan 3 Transaksi Rekening Administratif 2.537 - - -
Manajemen 4 Penempatan - - - -
5 Aset Lainnya - - - -
Profil 6 Derivatif selain Kredit - - - -
Perusahaan
Bank Secara Individu
Analisis dan Bank Individually
Pembahasan
Manajemen
Performing Non Performing
(Kualitas L dan DPK | Quality L and DPK) (Kualitas KL, D dan M | Quality KL, D, M)
Tinjauan
CKPN CKPN
Pendukung Nilai Tercatat Bruto Nilai Tercatat Bruto
Allowance for Allowance for
Gross Gross
Bisnis Impairment Losses Impairment Losses
a b c d
TATA KELOLA 1 Surat Berharga - - - -
PERUSAHAAN
2 Kredit 614.184 330.683 21.289 10.535
a. Korporasi 464.879 320.560 1.792 870
Laporan
b. Ritel 149.305 10.123 19.497 9.665
Keberlanjutan
3 Transaksi Rekening Administratif 2.537 - - -
4 Penempatan - - - -
5 Aset Lainnya - - - -
6 Derivatif selain Kredit - - - -
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 521
dalam jutaan Rupiah | in million Rupiah
Stage 1 Stage 2 Stage 3
CKPN CKPN CKPN
Nilai Tercatat Nilai Tercatat Nilai Tercatat
Allowance for Allowance for Allowance for
Bruto Bruto Bruto
Impairment Impairment Impairment
Gross Gross Gross
Losses Losses Losses
e
-
f
-
g
-
h
-
i
-
j
- Securities
519
459.487 364.781 506.914 278.199 21.123 10.528 Loans
2024
411.794 363.119 400.919 269.632 1.792 871 a. Corporate Performance
47.693 1.662 105.995 8.567 19.331 9.657 b. Retail Highlights
- - - - - - Administrative Account Transactions
- - - - - - Placement
Management
- - - - - - Other Assets
Report
- - - - - - Derivatives other than Credit
Company
Profile
dalam jutaan Rupiah | in million Rupiah
Stage 1 Stage 2 Stage 3 Management
Discussion and
CKPN CKPN CKPN Analysis
Nilai Tercatat Nilai Tercatat Nilai Tercatat
Allowance for Allowance for Allowance for
Bruto Bruto Bruto
Impairment Impairment Impairment
Gross Gross Gross
Losses Losses Losses
e f g h i j
Business
Support
- - - - - - Securities Overview
109.474 52.490 506.914 278.199 21.123 10.528 Loans
63.960 50.927 400.919 269.632 1.792 871 a. Corporate
45.514 1.563 105.995 8.567 19.331 9.657 b. Retail CORPORATE
GOVERNANCE
- - - - - - Administrative Account Transactions
- - - - - - Placement
- - - - - - Other Assets Sustainability
- - - - - - Derivatives other than Credit Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 522
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Kualitatif terkait Teknik MRK (CRC)
Qualitative Disclosures related to MRK Techniques (CRC)
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Analisa Kualitatif Qualitative Analysis
Manajemen agunan yang diterapkan di Bank, termasuk penilaian agunan The collateral management implemented at the Bank, including periodic
secara berkala, diatur pada ketentuan masing-masing produk sesuai collateral assessments, is regulated according to the provisions of each
segmentasi yang terdapat di Bank. Bank juga memiliki ketentuan terkait product based on the segmentation present at the Bank. The Bank also has
pelaksanaan penilaian agunan dan metode serta pendekatan penilaian regulations regarding the implementation of collateral assessments and the
berdasarkan Standar Penilaian Indonesia (SPI) dan Kode Etik Penilai methods and approaches to valuation based on the Indonesian Valuation
520 Indonesia (KEPI). Standards (SPI) and the Indonesian Appraisers’ Code of Ethics (KEPI).
Bank secara Individu memiliki tagihan yang tidak dijamin dengan teknik Individually, the Bank has receivables that are unsecured using the
MRK sebesar Rp 22,801,965 (dalam jutaan rupiah) dan memiliki tagihan MRK technique amounting to Rp 22,801,965 (in millions of rupiah) and
Ikhtisar Kinerja yang dijamin dengan teknik MRK sebesar Rp 27,379,751 (dalam jutaan receivables that are secured using the MRK technique amounting to
2024 rupiah). Teknik MRK - Agunan dilakukan dengan cara mengurangi nilai Rp 27,379,751 (in millions of rupiah). The MRK technique for collateral is
tagihan bersih dengan nilai agunan, dimana faktor pengurang ATMR conducted by deducting the net receivable value by the collateral value,
Kredit pada Bank adalah agunan berupa cash collateral, sehingga bobot where the credit risk-weighted asset reduction factor at the Bank is
Laporan
risiko sebesar 100%. collateral in the form of cash collateral, resulting in a risk weight of 100%.
Manajemen
Profil
Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung
Bisnis
TATA KELOLA
PERUSAHAAN
Laporan
Keberlanjutan
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 523
Pengungkapan Penggunaan Peringkat Kredit External (CRD)
Disclosure of the Use of External Credit Ratings (CRD)
a. Format Laporan Report Format
Lembaga pemeringkat yang digunakan adalah Pemeringkat Efek The rating agencies used are the Indonesian Securities Rating Agency
Indonesia (Pefindo) dan Fitch Ratings Indonesia untuk entitas lokal. (Pefindo) and Fitch Ratings Indonesia for local entities. Meanwhile, for
Sedangkan untuk entitas asing menggunakan rating atau peringkat foreign entities, ratings issued by rating agencies such as Standard &
yang dikeluarkan oleh lembaga pemeringkat Standar and Poor’s Poor’s (S&P), Fitch Ratings, or Moody’s Investor Service are used. This
(S&P), Fitch Ratings, atau Moody’s Investor Service. Hal tersebut is in accordance with Financial Services Authority Regulation No. 37/
sesuai SEOJK no.37/SEOJK.03/2016 tentang “Lembaga Pemeringkat SEOJK.03/2016 regarding “Rating Agencies and Ratings Recognized by
dan Peringkat yang diakui Otoritas Jasa Keuangan”, yaitu : the Financial Services Authority”, which states:
521
2024
Performance
Highlights
Management
Report
Portofolio yang menggunakan peringkat adalah portofolio surat The portfolio that utilizes ratings consists of debt securities portfolios Company
utang berupa obligasi dan sukuk, serta Medium Term Notes (MTN) such as bonds and sukuk, as well as Medium Term Notes (MTNs) issued
Profile
yang diterbitkan oleh entitas. Tidak ada proses yang digunakan untuk by entities.
mentransfer peringkat pihak lawan ke peringkat surat berharga ke There is no process used to transfer counterparty ratings to bond ratings
dalam aset yang sebanding dengan banking book karena dilakukan within assets that are comparable to the banking book because it is
sesuai dengan pemetaan peringkat berdasarkan informasi dari OJK, carried out in accordance with the rating mapping based on information Management
yaitu : from OJK, namely: Discussion and
Analysis
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 524
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Kuantitatif terkait Teknik MRK (CR3)
Quantitative Disclosures related to MRK Techniques (CR3)
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
dalam jutaan Rupiah | in million Rupiah
Tagihan Tagihan yang Dijamin
Tagihan
yang Tidak Tagihan Receivables Guaranteed with
yang Dijamin
Dijamin yang Dijamin
dengan
dengan dengan
Derivatif
Teknik MRK Teknik MRK Asuransi Kredit
Receivables Receivables Agunan Garansi Kredit Lainnya
522 not
Guaranteed
Guaranteed
by MRK
Collateral Guaranteed Insurance Others
Receivables
Guaranteed
Credit with Credit
by MRK Technique
Derivatives
Ikhtisar Kinerja Technique
2024
a b c d e f g
Kredit
Laporan 1 11.592.652 2.578.947 2.578.947 - - -
Loans
Manajemen
Surat Berharga
2 7.055.192 15.574.026 15.574.026 - - -
Securities
Profil
Perusahaan Penempatan
3 2 16.472.477 16.472.477 - - -
Placement
Aset Lainnya
Analisis dan 4 2.720.091 - - - - -
Other Assets
Pembahasan
Manajemen Derivatif selain Kredit
5 Derivatives other than 4.070.424 327.461 327.461 - - -
Credit
Tinjauan
Pendukung 6 Total 25.438.361 34.952.911 34.952.911 - - -
Bisnis Kredit dan Surat
Berharga yang Telah
7 Jatuh Tempo 42.623 - - - - -
TATA KELOLA
Due Loans and
PERUSAHAAN
Securities
Laporan
Keberlanjutan Pengungkapan Tambahan Additional Disclosure
Perubahan Nilai Kuantitatif terkait Teknik MRK disebabkan adanya metode Changes in Quantitative Value related to the MRK Technique are due to
perhitungan baru mengacu pada SEOJK Nomor 24/SEOJK.03/2021 the adoption of a new calculation method in accordance with Financial
Tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Kredit Services Authority Regulation No. 24/SEOJK.03/2021 Regarding the
dengan Menggunakan Pendekatan Standar Bagi Bank Umum Calculation of Risk-Weighted Assets for Credit Risk Using the Standardized
Approach for Commercial Banks.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 525
Bank Secara Individu
Bank Individually
dalam jutaan Rupiah | in million Rupiah
Tagihan Tagihan yang Dijamin
Tagihan
yang Tidak Tagihan Receivables Guaranteed with
yang Dijamin
Dijamin yang Dijamin
dengan
dengan dengan
Derivatif
Teknik MRK Teknik MRK Asuransi Kredit
Receivables Receivables Agunan Garansi Kredit Lainnya Receivables
not Guaranteed Collateral Guaranteed Insurance Others Guaranteed
Guaranteed by MRK Credit with Credit
by MRK Technique
Derivatives
Technique
a b c d e f g
Kredit
1 9.171.953 1.524.705 1.524.705 - - -
Loans
Surat Berharga
2 6.986.885 10.648.648 10.648.648 - - -
Securities
Penempatan
3
Placement
2 14.878.937 14.878.937 - - -
523
Aset Lainnya
4 2.531.006 - - - - -
Other Assets
2024
Derivatif selain Kredit Performance
5 Derivatives other than 4.070.174 327.461 327.461 - - - Highlights
Credit
6 Total 22.760.020 27.379.751 27.379.751 - - -
Management
Kredit dan Surat Report
Berharga yang Telah
7 Jatuh Tempo 41.945 - - - - -
Due Loans and
Securities Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 526
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik MRK (CR4)
Disclosure of Credit Risk Exposure and Impact of MRK Techniques (CR4)
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Tagihan Bersih Sebelum Penerapan FKK dan
Teknik MRK
Net Receivables Before the Application of FKK
and MRK Technique
Kategori Portofolio
524 Laporan Posisi
Keuangan
TRA
Administrative Account
Financial Statement Transactions
Position
Ikhtisar Kinerja
2024 a b
1 Tagihan kepada Pemerintah 26.481.226 1.191.341
Laporan
2 Tagihan kepada Entitas Sektor Publik 2.009.545 -
Manajemen
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional - -
Profil
Perusahaan 4 Tagihan kepada Bank 5.454.993 -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lain1) 905.052 142.945
Analisis dan
Pembahasan 5 Tagihan berupa Covered Bond - -
Manajemen
6 Tagihan kepada Korporasi - Eksposur Korporasi Umum 2) 12.600.487 3.520.812
Tinjauan
Pendukung Tagihan kepada perusahaan efek dan lembaga jasa keuangan lain3) - -
Bisnis
Eksposur Pembiayaan Khusus4) - -
TATA KELOLA Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan Instrumen Modal
7 - -
PERUSAHAAN Lainnya
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 4.301.986 344.169
Laporan
Keberlanjutan 9 Kredit Beragun Properti - -
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Tidak Bergantung
135.238 -
Secara Material pada Arus Kas Properti
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Bergantung Secara
4.911 -
Material pada Arus Kas Properti
Kredit Beragun Properti Komersial yang Pembayarannya Tidak Bergantung Secara
133 -
Material pada Arus Kas Properti
Kredit Beragun Properti Komersial yang Pembayarannya Bergantung Secara Material
- -
pada Arus Kas Properti
Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi 228.807 349.521
10 Tagihan yang Telah Jatuh Tempo 42.634 -
11 Aset Lainnya 2.720.091 -
12 Total 54.885.107 5.548.788
Pengungkapan Tambahan
Perubahan Nilai Eksposur Risiko Kredit dan Dampak Teknik MRK disebabkan adanya metode perhitungan baru mengacu pada SEOJK Nomor 24/
SEOJK.03/2021 Tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Standar Bagi Bank
Umum, dimana Bank menggunakan Cadangan Kerugian Penurunan Nilai (CKPN) sebagai pengurang tagihan dan dikenakan Faktor Konversi Kredit
(FKK) untuk Transaksi Rekening Administratif (TRA) serta menggunakan teknik Mitigasi Risiko Kredit (MRK) sebagai pengurang Aset Tertimbang
Menurut Risiko (ATMR).
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 527
dalam jutaan Rupiah | in million Rupiah
Tagihan Bersih Setelah Penerapan
FKK dan Teknik ATMR dan Rata-rata Bobot Risiko
Net Receivables After the Application RWA and Average Risk Weight
of FKK and MRK Technique
Laporan Posisi Persentase Rata- Portfolio Category
TRA
Keuangan
Financial
Administrative
Account
ATMR
Risk Weighted
rata Bobot Risiko
Average Risk 525
Statement Assets (RWA) Weighting
Transactions
Position (e/(c+d))
2024
c d e f Performance
Highlights
26.481.226 1.191.341 - 0,00% Receivables from Government
2.009.545 - 787.164 39,17% Receivables from Public Sector Entities
Receivables from Multilateral Development Banks and
Management
- - - 0,00% Report
International Institutions
5.454.993 - 29.691 0,54% Receivables from Banks
Receivables from Securities Companies and Other Financial Company
905.052 24.645 338.973 36,46% Profile
Services Institutions1)
- - - 0,00% Receivables in the form of Covered Bond
Receivables from Corporations - General Corporate Management
12.600.487 711.292 9.713.151 72,97%
Exposure 2) Discussion and
Analysis
Receivables from Securities Companies and Other Financial
- - - 0,00%
Services Institutions3)
- - - 0,00% Special Financing Exposure4) Business
Receivables in the form of Subordinated Securities/ Support
- - - 0,00% Overview
Receivables, Equity and Other Capital Instruments
Receivables from Microbusiness, Small Business, and Retail
4.301.986 136.716 3.242.955 73,06%
Portfolio CORPORATE
- - - 0,00% Property Collateralized Loans GOVERNANCE
Residential Property Collateralized Loans which the
135.238 - 202.857 150,00% Payments Are Not Materially Dependent on Property Cash
Sustainability
Flow
Report
Residential Property Collateralized Loans which the
4.911 - 1.719 35,00%
Payments Are Materially Dependent on Property Cash Flow
Commercial Property Collateralized Loans which the
133 - 200 150,38% Payments Are Not Materially Dependent on Property Cash
Flow
Commercial Property Collateralized Loans which the
- - - 0,00%
Payments Are Materially Dependent on Property Cash Flow
228.807 35.524 387.527 146,61% Land Acquisition, Land Processing, and Construction Loans
42.634 - 41.200 96,64% Due Receivables
2.720.091 - 2.220.836 81,65% Other Assets
54.885.103 2.099.518 16.966.272 29,77% Total
Additional Disclosure
Changes in Credit Risk Exposure Value and the Impact of MRK Techniques are due to the new calculation method referring to SEOJK Number 24/
SEOJK.03/2021 concerning Calculation of Risk-Weighted Assets for Credit Risk Using the Standardized Approach for Commercial Banks, where the
Bank uses Allowance for Impairment Losses (CKPN) as a deduction for receivables and is subject to Credit Conversion Factor (FKK) for Administrative
Account Transactions (TRA) and uses Credit Risk Mitigation (MRK) techniques as a deduction for Risk-Weighted Assets (RWA).
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 528
Bank Secara Individu
Bank Individually
Tagihan Bersih Sebelum Penerapan FKK dan
Teknik MRK
Net Receivables Before the Application of FKK
and MRK Technique
Kategori Portofolio
Laporan Posisi TRA
Keuangan Administrative Account
Financial Statement Transactions
Position
a b
1 Tagihan kepada Pemerintah 19.703.724 1.191.341
2 Tagihan kepada Entitas Sektor Publik 2.009.545 -
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional - -
4 Tagihan kepada Bank 4.667.186 -
526
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lain1) 905.052 142.945
Ikhtisar Kinerja 5 Tagihan berupa Covered Bond - -
2024
6 Tagihan kepada Korporasi - Eksposur Korporasi Umum 2) 10.691.415 3.520.812
Laporan
Manajemen Tagihan kepada perusahaan efek dan lembaga jasa keuangan lain3) - -
Eksposur Pembiayaan Khusus4) - -
Profil
Perusahaan Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan Instrumen Modal
7 - -
Lainnya
Analisis dan 8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 3.719.112 343.919
Pembahasan
Manajemen 9 Kredit Beragun Properti - -
Tinjauan Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Tidak Bergantung
135.238 -
Pendukung Secara Material pada Arus Kas Properti
Bisnis
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Bergantung Secara
- -
Material pada Arus Kas Properti
TATA KELOLA
PERUSAHAAN Kredit Beragun Properti Komersial yang Pembayarannya Tidak Bergantung Secara
133 -
Material pada Arus Kas Properti
Laporan Kredit Beragun Properti Komersial yang Pembayarannya Bergantung Secara Material
Keberlanjutan - -
pada Arus Kas Properti
Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi 228.807 349.521
10 Tagihan yang Telah Jatuh Tempo 41.956 -
11 Aset Lainnya 2.531.006 -
12 Total 44.633.178 5.548.538
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 529
dalam jutaan Rupiah | in million Rupiah
Tagihan Bersih Setelah Penerapan
FKK dan Teknik ATMR dan Rata-rata Bobot Risiko
Net Receivables After the Application RWA and Average Risk Weight
of FKK and MRK Technique
Laporan Posisi Persentase Rata- Portfolio Category
TRA
Keuangan ATMR rata Bobot Risiko
Administrative
Financial Risk Weighted Average Risk
Account
Statement Assets (RWA) Weighting
Transactions
Position (e/(c+d))
c d e f
19.703.724 1.191.341 - 0,00% Receivables from Government
2.009.545 - 787.164 39,17% Receivables from Public Sector Entities
Receivables from Multilateral Development Banks and
- - - 0,00%
International Institutions
4.667.186 - 29.691 0,64% Receivables from Banks
Receivables from Securities Companies and Other Financial
527
905.052 24.645 338.973 36,46%
Services Institutions1)
- - - 0,00% Receivables in the form of Covered Bond 2024
Performance
Receivables from Corporations - General Corporate Highlights
10.691.415 711.292 7.851.472 68,86%
Exposure 2)
Receivables from Securities Companies and Other Financial
- - - 0,00%
Services Institutions3) Management
Report
- - - 0,00% Special Financing Exposure4)
Receivables in the form of Subordinated Securities/
- - - 0,00%
Receivables, Equity and Other Capital Instruments Company
Receivables from Microbusiness, Small Business, and Retail Profile
3.719.112 136.591 2.807.586 72,82%
Portfolio
- - - 0,00% Property Collateralized Loans Management
Residential Property Collateralized Loans which the Discussion and
135.238 - 202.857 150,00% Payments Are Not Materially Dependent on Property Cash Analysis
Flow
Residential Property Collateralized Loans which the
- - - 0,00% Business
Payments Are Materially Dependent on Property Cash Flow
Support
Commercial Property Collateralized Loans which the Overview
133 - 200 150,38% Payments Are Not Materially Dependent on Property Cash
Flow
Commercial Property Collateralized Loans which the CORPORATE
- - - 0,00% GOVERNANCE
Payments Are Materially Dependent on Property Cash Flow
228.807 35.524 387.527 146,61% Land Acquisition, Land Processing, and Construction Loans
41.956 - 40.522 96,58% Due Receivables Sustainability
Report
2.531.006 - 2.071.870 81,86% Other Assets
44.633.174 2.099.393 14.517.860 31,07% Total
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 530
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Eksposur berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Disclosure of Exposure by Asset Class and Risk Weight (CR5)
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
Kategori Portofolio 0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5)
1 Tagihan kepada Pemerintah 27.672.568 - -
2 Tagihan kepada Entitas Sektor Publik 725.362 1.284.183
528 3
4
Tagihan kepada Bank Pembangunan Multilateral dan
Lembaga Internasional
Tagihan kepada Bank
- -
5.430.135
-
- - 9.557
-
Tagihan kepada Perusahaan Efek dan Lembaga Jasa - - 905.052 -
Keuangan Lain1)
Ikhtisar Kinerja
5 Tagihan berupa Covered Bond - - - - - -
2024
6 Tagihan kepada Korporasi Umum2) 1.842.479 1.177.541 -
Tagihan kepada perusahaan efek dan lembaga jasa - - -
Laporan keuangan lain3)
Manajemen Eksposur Pembiayaan Khusus4) - -
Tagihan berupa Surat Berharga/Piutang Subordinasi,
7 Ekuitas, dan Instrumen Modal Lainnya
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
Profil 8 Portofolio Ritel -
Perusahaan 9 Kredit Beragun Properti - - - - - - - - - -
Kredit Beragun Properti Rumah Tinggal yang
Pembayarannya Tidak Bergantung Secara Material pada - - - - - - -
Arus Kas Properti
Analisis dan
tanpa pendekatan pembagian kredit5) - - - - - - -
Pembahasan dengan menggunakan pendekatan pembagian kredit -
Manajemen (dijamin)5)
dengan menggunakan pendekatan pembagian kredit - - - - - -
(dijamin)5)
Tinjauan Kredit Beragun Properti Rumah Tinggal yang
Pembayarannya Bergantung Secara Material pada - - - -
Pendukung Arus Kas Properti
Bisnis Kredit Beragun Properti Komersial yang Pembayarannya
Tidak Bergantung Secara Material pada Arus Kas - - - - - - -
Properti
tanpa pendekatan pembagian kredit5) - - - - - -
TATA KELOLA dengan menggunakan pendekatan pembagian kredit -
(dijamin)5)
PERUSAHAAN
dengan menggunakan pendekatan pembagian kredit - - - - - -
( dijamin)5)
Laporan Kredit Beragun Properti Komersial yang Pembayarannya
Bergantung Secara Material pada Arus Kas Properti
Keberlanjutan
Kredit Pengadaan Tanah, Pengolahan Tanah, dan
Konstruksi5)
10 Tagihan yang Telah Jatuh Tempo 2.869
11 Aset Lainnya 509.207 -
Tagihan Bersih
Tagihan Bersih Laporan Tagihan Bersih TRA (Setelah pengenaan FKK dan
Bobot Risiko Posisi Keuangan (sebelum pengenaan FKK) Rata-rata FKK Teknik MRK)
No
Risk weight Net Receivables Statement TRA Net Receivables FKK Average Net Receivables
Financial Position (Before FKK Application) (After the Application of FKK
and MRK Technique)
1 < 40% 34.992.884 1.191.777 1.191.777 36.184.661
2 40%-70% 3.354.203 - 25.000 3.379.203
3 75% 4.175.797 344.169 122.540 4.298.337
4 85% - - - -
5 90%-100% 11.946.409 3.520.813 700.468 12.646.877
6 105%-130% - - - -
7 150% 415.375 492.466 60.169 475.544
8 250% - - - -
9 400% - - - -
10 1250% - - - -
Total Tagihan Bersih
11 54.884.668 5.549.225 2.099.953 56.984.621
Total net billings
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 531
dalam jutaan Rupiah | in million Rupiah
Tagihan Bersih
Setelah FKK dan
Teknik MRK
Lainnya
70% 75% 80% 85% 90% 100% 105% 110% 130% 150% 250% 400% 1250%5) Net Receivables Portfolio Category
Others after
FKK and MRK
Technique
- - - 27.672.568 Receivables from Government
- - - 2.009.545 Receivables from Public Sector Entities
-
-
- 15.300
- -
- 5.454.992
- Receivables from Multilateral Development Banks
and International Institutions
Receivables from Banks
529
Receivables from Securities Companies and Other
- - 24.645 - 929.697 Financial Services Institutions1)
2024
- - - Receivables in the form of Covered Bond
Receivables from Corporations - General Corporate
Performance
447 - - 10.291.312 - - - 13.311.778 Exposure 2) Highlights
Receivables from Securities Companies and Other
- - - - - - Financial Services Institutions3)
- - - - - - - Special Financing Exposure4)
- - - - - - Receivables in the form of Subordinated Securities/ Management
Receivables, Equity and Other Capital Instruments
Report
Receivables from Microbusiness, Small Business,
4.297.890 - - 4.438.702
140.812 and Retail Portfolio
- - - - - - - - - - - Property Collateralized Loans
Residential Property Collateralized Loans which the Company
- - - - - 140.149 Payments Are Not Materially Dependent on Property
135.238 Cash Flow Profile
- - - - - - - Without a Credit-Sharing Approach5)
- - Using the Credit-Sharing Approach (Guaranteed)5)
Management
- - - - - - Using the Credit-Sharing Approach (Guaranteed)5)
Discussion and
Residential Property Collateralized Loans which the
- - - - - Payments Are Materially Dependent on Property Analysis
Cash Flow
Commercial Property Collateralized Loans which
- - 133 - - 133 the Payments Are Not Materially Dependent on
Property Cash Flow
Business
- - Without a Credit-Sharing Approach5)
Support
- - Using the Credit-Sharing Approach (Guaranteed)5) Overview
- - - - - - Using the Credit-Sharing Approach (Guaranteed)5)
Commercial Property Collateralized Loans which
- - - - - - the Payments Are Materially Dependent on Property CORPORATE
Cash Flow
Land Acquisition, Land Processing, and Construction
GOVERNANCE
- - 264.331
264.331 Loans
39.765 - - 42.634 Due Receivables
2.174.855 36.030 - - 2.720.091 Other Assets Sustainability
Report
Pengungkapan Tambahan Additional Disclosure
Perubahan Nilai Eksposur berdasarkan Kelas Aset dan Bobot Risiko Changes in the Value of Exposure based on Asset Class and Risk Weight
disebabkan adanya metode perhitungan baru mengacu pada SEOJK are due to the new calculation method referring to SEOJK Number 24/
Nomor 24/SEOJK.03/2021 Tentang Perhitungan Aset Tertimbang Menurut SEOJK.03/2021 concerning the Calculation of Risk-Weighted Assets
Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Standar for Credit Risk Using the Standard Approach for Commercial Banks,
Bagi Bank Umum, dimana Bank menggunakan Cadangan Kerugian where the Bank uses the Allowance for Impairment Losses (CKPN) as
Penurunan Nilai (CKPN) sebagai pengurang tagihan dan dikenakan Faktor a deduction from receivables and applies the Credit Conversion Factor
Konversi Kredit (FKK) untuk Transaksi Rekening Administratif (TRA) serta (FKK) for Administrative Account Transactions (TRA), as well as using the
menggunakan teknik Mitigasi Risiko Kredit (MRK) sebagai pengurang Credit Risk Mitigation (MRK) technique as a deduction from Risk-Weighted
Aset Tertimbang Menurut Risiko (ATMR). Assets (ATMR)
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2024 PT. Bank Sinarmas Tbk.
Page 532
Bank Secara Individu
Bank Individually
Kategori Portofolio 0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5)
1 Tagihan kepada Pemerintah 20.895.066 - -
2 Tagihan kepada Entitas Sektor Publik 725.362 1.284.183
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - -
Lembaga Internasional
4 Tagihan kepada Bank 4.642.328 - - 9.557
Tagihan kepada Perusahaan Efek dan Lembaga Jasa - - 905.052 -
Keuangan Lain1)
5 Tagihan berupa Covered Bond - - - - - -
6 Tagihan kepada Korporasi Umum2) 1.816.163 1.135.549 -
Tagihan kepada perusahaan efek dan lembaga jasa - - -
keuangan lain3)
Eksposur Pembiayaan Khusus4) - -
Tagihan berupa Surat Berharga/Piutang Subordinasi,
7 Ekuitas, dan Instrumen Modal Lainnya
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
8 -
Portofolio Ritel
530 9 Kredit Beragun Properti
Kredit Beragun Properti Rumah Tinggal yang
Pembayarannya Tidak Bergantung Secara Material pada
-
-
-
-
-
-
-
-
- -
-
- -
-
- -
-
Arus Kas Properti
tanpa pendekatan pembagian kredit5) - - - - - - -
Ikhtisar Kinerja
dengan menggunakan pendekatan pembagian kredit
2024 (dijamin)5) -
dengan menggunakan pendekatan pembagian kredit - - - - - -
(dijamin)5)
Laporan Kredit Beragun Properti Rumah Tinggal yang
Pembayarannya Bergantung Secara Material pada - - - - -
Manajemen Arus Kas Properti
Kredit Beragun Properti Komersial yang Pembayarannya
Tidak Bergantung Secara Material pada Arus Kas - - - - - - -
Properti
Profil tanpa pendekatan pembagian kredit5) - - - - - -
Perusahaan dengan menggunakan pendekatan pembagian kredit -
(dijamin)5)
dengan menggunakan pendekatan pembagian kredit - - - - - -
( dijamin)5)
Analisis dan
Pembahasan Kredit Beragun Properti Komersial yang Pembayarannya
Bergantung Secara Material pada Arus Kas Properti
Manajemen
Kredit Pengadaan Tanah, Pengolahan Tanah, dan
Konstruksi5)
10 Tagihan yang Telah Jatuh Tempo 2.869
Tinjauan 11 Aset Lainnya 469.088 -
Pendukung
Bisnis
Tagihan Bersih
Tagihan Bersih Laporan Tagihan Bersih TRA (Setelah pengenaan FKK dan
TATA KELOLA Bobot Risiko Posisi Keuangan (sebelum pengenaan FKK) Rata-rata FKK Teknik MRK)
No
PERUSAHAAN Risk weight Net Receivables Statement TRA Net Receivables FKK Average Net Receivables
Financial Position (Before FKK Application) (After the Application of FKK
and MRK Technique)
Laporan 1 < 40% 27.356.229 1.191.777 1.191.777 28.548.006
Keberlanjutan 2 40%-70% 3.312.211 - 25.000 3.337.211
3 75% 3.630.441 343.919 122.415 3.752.856
4 85% - - - -
5 90%-100% 9.934.613 3.520.813 700.468 10.635.081
6 105%-130% - - - -
7 150% 399.245 492.466 60.169 459.414
8 250% - - - -
9 400% - - - -
10 1250% - - - -
Total Tagihan Bersih
11 44.632.739 5.548.975 2.099.828 46.732.567
Total net billings
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 533
dalam jutaan Rupiah | in million Rupiah
Tagihan Bersih
Setelah FKK dan
Teknik MRK
Lainnya
70% 75% 80% 85% 90% 100% 105% 110% 130% 150% 250% 400% 1250%5) Net Receivables Portfolio Category
Others after
FKK and MRK
Technique
- - - 20.895.066 Receivables from Government
- - - 2.009.545 Receivables from Public Sector Entities
Receivables from Multilateral Development Banks
- - - - and International Institutions
- - 15.300 - 4.667.185 Receivables from Banks
Receivables from Securities Companies and Other
- - 24.645 - 929.697 Financial Services Institutions1)
- - - Receivables in the form of Covered Bond
Receivables from Corporations - General Corporate
447 - - 8.450.548 - - - 11.402.706 Exposure 2)
Receivables from Securities Companies and Other
- - - - - - Financial Services Institutions3)
- - - - - - - Special Financing Exposure4)
Receivables in the form of Subordinated Securities/
- - - - - - Receivables, Equity and Other Capital Instruments
Receivables from Microbusiness, Small Business,
3.752.409 - 103.294 - - 3.855.703 and Retail Portfolio
-
-
-
-
-
-
- -
-
- -
135.238
- -
- 135.238
- Property Collateralized Loans
Residential Property Collateralized Loans which the
Payments Are Not Materially Dependent on Property
531
Cash Flow
- - - - - - - Without a Credit-Sharing Approach5)
2024
- - - - Using the Credit-Sharing Approach (Guaranteed)5)
Performance
- - - - - - Using the Credit-Sharing Approach (Guaranteed)5) Highlights
Residential Property Collateralized Loans which the
- - - - - - Payments Are Materially Dependent on Property
Cash Flow
Commercial Property Collateralized Loans which Management
- - 133 - - 133 the Payments Are Not Materially Dependent on
Property Cash Flow
Report
- - Without a Credit-Sharing Approach5)
- - Using the Credit-Sharing Approach (Guaranteed)5)
Company
- - - - - - Using the Credit-Sharing Approach (Guaranteed)5) Profile
Commercial Property Collateralized Loans which
- - - - - - the Payments Are Materially Dependent on Property
Cash Flow
- - - 264.331 - 264.331 Land Acquisition, Land Processing, and Construction Management
Loans
39.087 - - 41.956 Due Receivables
Discussion and
2.042.019 19.900 - 2.531.006 Other Assets
Analysis
Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 534
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Disclosure of Market Risk Using Standardized Method
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Konsolidasi dengan Entitas Anak
The Bank consolidated with Subsidiaries
31 Desember 2024
December 31, 2024
Individual
Jenis Risiko
Korelasi Beban Modul
532 Menengah
Intermediate
Korelasi Tinggi
High Correlation
Korelasi Rendah
Low Correlation
SBM
SBM Module
Correlation Load
Ikhtisar Kinerja
2024 a b a b
a. Beban modal berdasarkan sensitivity based method 198.849,35 218.134,09 141.556,33 218.134,09
Laporan i. Kelas risiko GIRR 72.342,15 75.434,44 69.111,64
Manajemen
ii. Kelas risiko CSR (non-sekuritisasi) 121.512,71 138.513,14 66.755,85
iii. Kelas risiko CSR (sekuritisasi: non-CTP) - - -
Profil
Perusahaan iv. Kelas risiko CSR (sekuritisasi: CTP) - - -
v. Kelas risiko ekuitas - - -
Analisis dan
vi. Kelas risiko komoditas - - -
Pembahasan
Manajemen vii. Kelas risiko nilai tukar 4.994,49 4.186,52 5.688,84
b. Beban modal default risk capital (DRC) 20.399,59
Tinjauan
c. Residual risk add-on (RRAO) -
Pendukung
Bisnis Beban Modal Risiko Pasar 238.533,68
ATMR Pilar 1 tambahan -
TATA KELOLA Credit Valuation Adjustment (CVA) -
PERUSAHAAN
Pendekatan Dasar yang Disederhanakan
Laporan 100% ATMR SACCR 9,04
Keberlanjutan Total ATMR Risiko Pasar 2.981.680,05
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Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 535
dalam jutaan Rupiah | in million Rupiah
Konsolidasian
Consolidated
Type of risk
Korelasi Beban Modul
Menengah
Intermediate
Korelasi Tinggi
High Correlation
Korelasi Rendah
Low Correlation
SBM
SBM Module
533
Correlation Load
2024
a b a b
Performance
198.449,78 217.608,50 141.236,31 217.608,50 a. Capital charge based on sensitivity based method Highlights
72.342,15 75.434,44 69.111,64 i. GIRR risk class
121.512,71 138.513,14 66.755,85 ii. CSR risk class (non-securitization) Management
Report
- - - iii. CSR risk class (securitized: non-CTP)
- - - iv. CSR risk class (securitization: CTP)
Company
- - - v. Equity risk class
Profile
- - - vi. Commodity risk class
4.594,92 3.660,93 5.368,82 vii. Exchange rate risk class
Management
20.399,59 b. Default risk capital (DRC) charge Discussion and
- c. Residual risk add-on (RRAO) Analysis
238.008,09 Market risk capital charge
- Additional Pillar 1 RWA Business
Support
- Credit Valuation Adjustment (CVA) Overview
Simplified Basic Approach
9,04 100% ATMR SACCR CORPORATE
2.975.110,16 Total Market Risk RWA GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 536
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Perhitungan Risiko Operasional - Bank secara Individu
Form D1. Laporan Data Kerugian Historis
Disclosure of Operational Risk Calculations - Bank Individually
Form D1. Historical Loss Data Report
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Individu
Bank Individually
31 Desember 2024
No Indikator Bisnis (IB) dan komponen IB December 31, 2024
A B C D E
534
T T-1 T-2 T-3 T-4
Ikhtisar Kinerja Batasan minimum untuk suatu kejadian kerugian operasional
2024 (loss event) sebesar Rp300.000.000,00 (tiga ratus juta
rupiah) atau lebih
Laporan Jumlah kerugian operasional bersih setelah
01 6.695,03 15.428,00 435,00 5.909,00 21.488,00
Manajemen memperhitungkan nilai pemulihan (tanpa pengecualian)
02 Jumlah terjadinya kerugian risiko operasional 2,00 2,00 1,00 1,00 1,00
Profil
03 Jumlah kerugian risiko operasional yang dikecualikan - - - - -
Perusahaan
Jumlah terjadinya kerugian risiko operasional yang
04 - - - - -
dikecualikan
Analisis dan
Pembahasan Jumlah kerugian operasional bersih setelah
Manajemen 05 memperhitungkan nilai pemulihan dan kerugian risiko 6.695,03 15.428,00 435,00 5.909,00 21.488,00
operasional yang dikecualikan
Tinjauan Batasan minimum untuk suatu kejadian kerugian operasional
(loss event) sebesar Rp1.500.000.000,00 (satu milyar lima
Pendukung
ratus juta rupiah) atau lebih
Bisnis
Jumlah kerugian operasional bersih setelah
06 - - - - -
memperhitungkan nilai pemulihan (tanpa pengecualian)
TATA KELOLA
PERUSAHAAN 07 Jumlah terjadinya kerugian risiko operasional - - - - -
08 Jumlah kerugian risiko operasional yang dikecualikan - - - - -
Laporan Jumlah terjadinya kerugian risiko operasional yang
Keberlanjutan 09 - - - - -
dikecualikan
Jumlah kerugian operasional bersih setelah
10 memperhitungkan nilai pemulihan dan kerugian risiko - - - - -
operasional yang dikecualikan
Rincian perhitungan modal untuk risiko operasional
Apakah kerugian digunakan dalam perhitungan FPKI?
11 T
(Ya/Tidak)
Dalam hal baris 11 diisi “Tidak”, apakah tidak
digunakannya data kerugian intern tersebut disebabkan
12 T
ketidaksesuaian standar minimum untuk data kerugian?
(Ya/Tidak)
Threshold yg digunakan dalam perhitungan modal untuk
13 300.000.000
risiko operasional (dalam satuan rupiah penuh)
14 Keterangan Tambahan ( jika ada) Optional
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PT. Bank Sinarmas Tbk. 2024
Page 537
dalam jutaan Rupiah | in million Rupiah
Business Indicator (IB) and IB Components
F G H I J K
Rata-rata 10
535
T-5 T-6 T-7 T-8 T-9
Tahun
Minimum Limit of an Operating Loss Event of 2024
Rp300,000,000 (Three Hundred Million Rupiah) Performance
or More Highlights
Total Net Operating Loss After Calculating the
- - - - - 4.995,50
Recovery Value (Without Exception)
Management
- - - - - 0,70 Total Occurrence of Operational Risk Loss Report
- - - - - - Total Excluded Operational Risk Loss
- - - - - - Total Occurrence of Excluded Operational Risk Loss Company
Profile
Total Net Operating Loss After Calculating the
- - - - - 4.995,50 Recovery Value and Excluded Operational Risk
Losses Management
Discussion and
Minimum Limit of an Operational Loss Event
Analysis
of Rp1,500,000,000 (One Billion Five Hundred
Million Rupiah) or More
Total Net Operating Loss After Calculating the Business
- - - - - -
Recovery Value (Without Exception) Support
- - - - - - Total Occurrence of Operational Risk Loss Overview
- - - - - - Total Excluded Operational Risk Loss
CORPORATE
- - - - - - Total Occurrence of Excluded Operational Risk Loss GOVERNANCE
Total Net Operating Loss After Calculating the
- - - - - - Recovery Value and Excluded Operational Risk
Losses Sustainability
Report
Details of Capital Calculation for Operational
Risks
Are Losses Used in Calculating FPKI? (Yes/No)
If Line 11 answer is ‘No’, Is the Internal Loss Data
Not Use Due to a Discrepancy of the Minimum
Standards for Loss Data? (Yes/No)
Threshold Used in Capital Calculation for
Operational Risks (in Full Rupiah Amount)
Additional Information (If Any)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 538
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Perhitungan Risiko Operasional - Bank secara Individu
Form D3. Laporan Rincian Indikator Bisnis
Disclosure of Operational Risk Calculations - Bank Individually
Form D3. Report on the Detail of Business Indicators
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Individu
Bank Individually
31 Desember 2024
Indikator Bisnis (IB) dan komponen IB December 31, 2024
No
Business Indicators (IB) and IB Components
a b c
T T-1 T-2
536 1
Komponen Bunga, Sewa, dan Dividen (KBSD)
Interest, Rent and Dividend Components (KBSD)
850.240,27
Pendapatan Bunga
Ikhtisar Kinerja 1a 3.458.915,00 3.234.228,00 3.233.204,00
Interest Income
2024
Beban Bunga
1b 795.068,00 652.318,00 817.832,00
Interest Expenses
Laporan Aset Produktif
Manajemen 1c 38.298.239,00 37.082.203,00 37.984.927,00
Earning Assets
Pendapatan Dividen
1d - - -
Profil Dividend Income
Perusahaan Komponen Jasa (KJ)
2 3.486.098,00
Services Components
Analisis dan Pendapatan Jasa dan Komisi
2a 449.045,00 417.193,00 445.369,00
Pembahasan Fees and Commission Income
Manajemen Beban Jasa dan Komisi
2b 2.500.251,00 2.018.587,00 2.322.714,00
Fees and Commission Expenses
Pendapatan operasional lainnya
Tinjauan 2c 398.925,00 405.879,00 514.043,00
Other Operating Income
Pendukung
Bisnis Beban operasional lainnya
2d 1.250.472,00 1.193.243,00 1.173.027,00
Other Operating Expenses
Komponen Keuangan (KK)
TATA KELOLA 3 145.672,33 - -
Financial Components
PERUSAHAAN
Laba Rugi Bersih Trading Book
3a 104.115,00 67.338,00 62.067,00
Net Profit Loss Trading Book
Laporan Laba Rugi Bersih Banking Book
3b (7.724,00) 17.918,00 177.855,00
Keberlanjutan Net Profit Loss Banking Book
4 IB 4.482.010,60
Komponen Indikator Bisnis (KIB)
5 537.841,27
Business Indicator Components
Pengungkapan IB
IB Disclosure
IB total termasuk aktivitas yang didivestasi
6a -
Total IB including Divested Activities
Pengurangan IB dikarenakan pengecualian atas aktivitas yang
6b didivestasi 4.482.010,60
IB Reduction due to Exclusion of Divested Activities
Penyajian informasi keuangan
telah diaudit oleh Kantor Akuntan
Publik Mirawati Sensi Idris untuk
periode tahun 2023, sebagaimana
laporannya tertanggal 28 Maret 2024
dengan Opini Audit Wajar Tanpa
Keterangan Tambahan
7 Modifikasian.
Additional information
The presentation of financial
information has been audited by
Mirawati Sensi Idris Public Accountant
firm for the period of 2023, as
reported on March 28, 2024 with an
Unmodified Audit Opinion.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 539
Laporan Publikasi Eksposur Risiko dan Permodalan untuk ATMR Risiko Kredit
- Pendekatan Standar
Publication Report on Risk Exposure and Capital for Credit Risk RWA - Standardized Approach
Pengungkapan Perhitungan Risiko Operasional - Bank secara Individu
Form D5. Laporan Perhitungan ATMR Risiko Operasional dengan menggunakan pendekatan standar
Disclosure of Operational Risk Calculations - Bank Individually
Form D5. Operational Risk RWA Calculation Report using a standardized approach
Periode Laporan : Desember 2024
Report Period : December 2024
Bank Secara Individu
Bank Individually
31 Desember 2024
No Rincian December 31, 2024 Description
Individual
01 Komponen Indikator Bisnis (KIB)
a
537.841 Business Indicator Components (KIB)
537
02 Faktor Pengali Kerugian Internal (FPKI) 1 Internal Loss Multiplier Factor (FPKI) 2024
03 Modal Minimum Risiko Operasional (MMRO) 537.841 Operational Risk Minimum Capital (MMRO) Performance
Highlights
04 ATMR untuk Risiko Operasional 6.723.016 RWA for Operational Risk
Management
Konvensional
Report
Conventional
31 Desember 2024
No Rincian December 31, 2024 Description Company
Profile
Individual
a
01 Komponen Indikator Bisnis (KIB) 537.841 Business Indicator Components (KIB) Management
Discussion and
02 Faktor Pengali Kerugian Internal (FPKI) 1 Internal Loss Multiplier Factor (FPKI) Analysis
03 Modal Minimum Risiko Operasional (MMRO) 537.841 Operational Risk Minimum Capital (MMRO)
04 ATMR untuk Risiko Operasional 6.723.016 RWA for Operational Risk Business
Support
Overview
CORPORATE
GOVERNANCE
Sustainability
Report
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 540
Page 541
LAPORAN
KEBERLANJUTAN
Sustainability Report
.07
Page 542
TENTANG LAPORAN
KEBERLANJUTAN
About Sustainability Report
Laporan Keberlanjutan ini disusun sebagai wujud komitmen This Sustainability Report is prepared as a manifestation
Bank Sinarmas dalam mendukung pembangunan of Bank Sinarmas' commitment to supporting sustainable
berkelanjutan serta memenuhi prinsip tata kelola yang development and fulfilling the principles of transparent
transparan dan bertanggung jawab. Melalui laporan ini, and responsible governance. Through this report, Bank
Bank Sinarmas ingin menyampaikan informasi yang akurat Sinarmas would like to convey accurate and comprehensive
dan komprehensif mengenai berbagai inisiatif keberlanjutan information on various sustainability initiatives that have
540 yang telah, sedang, dan akan dijalankan dalam aspek
lingkungan, sosial, serta tata kelola (ESG).
been, are being, and will be implemented in environmental,
social, and governance (ESG) aspects.
Ikhtisar Kinerja
2024 Laporan ini tidak hanya bertujuan untuk menunjukkan kinerja This report not only aims to demonstrate Bank Sinarmas'
keberlanjutan Bank Sinarmas, tetapi juga untuk memperkuat sustainability performance, but also to strengthen the dialog
Laporan dialog dengan para pemangku kepentingan terkait peran with stakeholders regarding the Bank's role and contribution
Manajemen serta kontribusi bank dalam menciptakan dampak positif in creating a positive impact on society and the environment.
bagi masyarakat dan lingkungan. Penyusunan laporan The preparation of this report is conducted in accordance
Profil Perusahaan ini dilakukan sesuai dengan peraturan yang dikeluarkan with the regulations issued by the Financial Services
Otoritas Jasa Keuangan (OJK), sehingga dapat memberikan Authority (OJK) so as to provide a clear picture of the
Analisis dan
gambaran yang jelas tentang pencapaian dan tantangan achievements and challenges faced in the journey toward
Pembahasan
Manajemen yang dihadapi dalam perjalanan menuju keuangan yang sustainable finance.
berkelanjutan.
Tinjauan
Pendukung Bisnis
Pedoman dan Standar • Peraturan Otoritas Jasa Keuangan No.51/POJK.03/2017 tentang Penerapan Keuangan
Guidelines and Standard Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
Tata Kelola • Format laporan mengacu pada Surat Edaran Otoritas Jasa Keuangan No.16/
Perusahaan SOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan
Publik
• Financial Services Authority Regulation No.51/POJK.03/2017 on the Implementation of
LAPORAN Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies
KEBERLANJUTAN • The format of the report refers to the Circular Letter of the Financial Services Authority
No.16/SOJK.04/2021 regarding the Form and Content of the Annual Report of Issuers
or Public Companies
Siklus dan Periode Pelaporan [GRI 2-3] • Diterbitkan setiap tahun
Reporting Cycle and Period • Periode pelaporan 1 Januari 2024 sampai 31 Desember 2024
• Laporan sebelumnya diterbitkan pada bulan April 2024
• Issued annually
• Reporting period from January 1, 2024 to December 31, 2024
• Previous report published in April 2024
Cakupan dan Batasan [GRI 2-2] • Informasi dan data kinerja Laporan Keberlanjutan mencakup kinerja keuangan
Scope and Limitation konsolidasi dengan entitas anak
• Informasi dan data kinerja sosial dan lingkungan hanya mencakup PT Bank Sinarmas
Tbk, tidak termasuk entitas anak
• Information and data of Sustainability Report performance includes consolidated
financial performance with subsidiaries
• Information and data on social and environmental performance only covers PT Bank
Sinarmas Tbk, excluding subsidiaries
Penyajian Kembali Informasi [GRI 2-4] Tidak terdapat penyajian kembali informasi
Information Restatement No restatement of information
Tanggapan Umpan Balik Laporan Sebelumnya [OJK G.3] Tidak terdapat umpan balik dari laporan sebelumnya
Feedback on Previous Reports No feedback from previous reports
Verifikasi Pihak Eksternal [OJK G.1][GRI 2-5] Tidak melakukan verifikasi eksternal
External Party Verification No external verification
Titik Kontak Pelaporan [GRI 2-3] Sekretaris Perusahaan
Reporting Contact Point Sinar Mas Land Plaza Tower I, Lt.1 & 2
Jl. M.H. Thamrin Kav. 51
Jakarta 10350
T: (+62 21) 3199 0101
F: (+62 21) 3199 0401
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 543
TOPIK MATERIAL [GRI 3-1][GRI 3-2] MATERIAL TOPIC [GRI 3-1][GRI 3-2]
Bank Sinarmas telah menentukan topik-topik material Bank Sinarmas determined the material topics in this report
dalam laporan ini dengan melibatkan kelompok pemangku by involving stakeholder groups. The mapping process is
kepentingan. Proses pemetaan dilakukan melalui diskusi conducted through internal discussions among the Bank’s
internal antar unit operasional Bank. Langkah ini dilakukan operational units. This step was taken because each
karena setiap pemangku kepentingan memiliki sudut stakeholder has a different perspective on how to manage
pandang yang berbeda terkait pengelolaan isu-isu penting important issues related to the Bank’s business activities,
yang relevan dengan aktivitas bisnis Bank, termasuk isu-isu including sustainable finance.
keuangan berkelanjutan.
Dari pelibatan pemangku kepentingan tersebut, Bank From the stakeholder engagement, the Bank then determines
kemudian menentukan prioritas topik-topik material yang the priority of material topics that are considered to have a
dianggap memiliki dampak signifikan terhadap perusahaan significant impact on the company and stakeholders. The
maupun pemangku kepentingan. Berikut adalah daftar topik following is a list of material topics in this report:
material pada laporan ini:
541
Topik Alasan Bersifat Material
Topic Material Reasons
2024
Aspek Ekonomi Performance
Economic Aspect Highlights
Kinerja Ekonomi Peningkatan pada kinerja ekonomi akan menopang keberlanjutan usaha yang dijalankan serta dapat
Economic Performance berkontribusi dalam meningkatkan perekonomian para pemangku kepentingan, daerah, maupun
nasional. Management
Improvements in economic performance will support the business sustainability and contribute to Report
enhancing the economies of stakeholders, regions, and the nation.
Digitalisasi Produk dan Layanan Layanan berbasis digital akan memberikan kemudahan bagi para nasabah untuk melakukan transaksi.
Company
Digitized Products and Services Digital-based services will provide convenience for customers to conduct transactions.
Profile
Anti-fraud, Anti-korupsi, dan APU-PPT Aktivitas operasional yang sehat dan terhindar dari tindak kecurangan atau menyimpang akan
Anti-Fraud, Anti-Corruption, and AML-CTF menumbuhkan rasa kepercayaan para Pemegang Saham dan pemangku kepentingan lainnya.
Healthy operational activities that are free from fraudulent or deviant actions will foster trust among Management
shareholders and other stakeholders. Discussion and
Aspek Sosial Analysis
Social Aspect
Privasi Data Nasabah Kerahasiaan data nasabah perlu dijaga dalam rangka memberikan rasa aman dan meningkatkan Business
Confidentiality of Customer Data kepercayaan nasabah terhadap Bank. Support
Customer data confidentiality needs to be maintained in order to provide a sense of security and
Overview
enhance customer trust in the Bank.
Pengembangan Kompetensi Karyawan Pengembangan kompetensi diselenggarakan dalam rangka membentuk karyawan yang kompeten
Employee Competency Development serta menunjang pelaksanaan tugas dan tanggung jawab, khususnya di bidang keuangan Corporate
berkelanjutan. Governance
Competency development is conducted to create competent employees and support the
implementation of duties and responsibilities, especially in sustainable finance area.
Literasi dan Inklusi Keuangan Serta Memberikan pemahaman bagi masyarakat terkait manfaat produk dan jasa perbankan berperan SUSTAINABILITY
Pemberdayaan Masyarakat penting dalam meningkatkan kesejahteraan ekonomi dan sosial. REPORT
Financial Literacy and Inclusion and Providing understanding to the public regarding the benefits of banking products and services that
Community Empowerment play a crucial role in improving economic and social welfare.
Aspek Lingkungan
Social Environmental
Penggunaan Energi Pelaksanaan kegiatan usaha yang dijalankan menggunakan energi yang cukup besar. Maka dari itu
Energy Usage Bank berupaya untuk melakukan pengendalian dalam mengefisiensikan penggunaan energi.
The business activities conducted use a considerable amount of energy. Therefore, the Bank strives
to control and efficiently use energy
Penggunaan Kertas Penggunaan kertas berlebih dalam aktivitas operasional Bank secara tidak langsung dapat
Paper Usage menyebabkan deforestasi dan berdampak pada ekosistem.
Excessive paper usage in the Bank’s operational activities can indirectly lead to deforestation and
impact ecosystems.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 544
STRATEGI KEBERLANJUTAN [OJK A.1][GRI 2-23] [GRI 2-24]
Sustainability Strategy
542
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung Bisnis
Tata Kelola Sebagai bagian dari komitmennya terhadap pembangunan As part of its commitment to sustainable development, PT
Perusahaan
berkelanjutan, PT Bank Sinarmas Tbk terus mengintegrasikan Bank Sinarmas Tbk incorporates sustainability principles
prinsip-prinsip keberlanjutan dalam setiap aspek strategi into all aspects of its business strategy. The Bank strives
LAPORAN
KEBERLANJUTAN bisnisnya. Bank berupaya mewujudkan pembangunan for sustainable development in order to maintain economic
berkelanjutan yang mampu menjaga stabilitas ekonomi stability while also being inclusive and prioritizing economic,
serta bersifat inklusif dan mengedepankan keselarasan social, and environmental harmony. Through various
antara aspek ekonomi, sosial, dan lingkungan hidup. initiatives and policies that support economic, social, and
Melalui berbagai inisiatif dan kebijakan yang mendukung environmental aspects, the Bank strives to realize its vision
aspek ekonomi, sosial, dan lingkungan, Bank berupaya of becoming a financial institution that positively contributes
mewujudkan visi untuk menjadi lembaga keuangan yang to the creation of a better and more sustainable future.
berkontribusi positif dalam menciptakan masa depan yang
lebih baik dan berkelanjutan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 545
Visi dan Misi Keuangan Berkelanjutan [OJK C.1] Vision and Mission Sustainable Finance
VISI Vision
Menjadi Bank yang terkemuka yang senantiasa menjaga
keseimbangan aspek ekonomi, sosial dan lingkungan dalam
menjalankan aktivitas operasionalnya.
To become a leading bank that always maintains a balance of
economic, social and environmental aspects in carrying out its
operational activities.
543
2024
MISI Mission Performance
Highlights
Meningkatkan efisiensi penggunaan energi dan Meningkatkan peranan tanggung jawab sosial dan
sumber daya dalam operasional usaha. lingkungan (TJSL) dalam rangka meningkatkan Management
kesejahteraan masyarakat. Report
Increase the efficiency of energy and resource
utilization in business operations. Increase the role of social and environmental
responsibility (CSER) to improve community welfare. Company
Profile
Mengembangkan produk dan/atau jasa keuangan Mengelola risiko sosial dan lingkungan hidup yang
yang menerapkan prinsip keuangan berkelanjutan. lebih baik dengan menerapkan prinsip keuangan
Management
Develop financial products and/or services that berkelanjutan.
Discussion and
apply sustainable finance principles. Manage social and environmental risks better by Analysis
applying sustainable finance principles.
Business
Support
Overview
KEBIJAKAN KEUANGAN BERKELANJUTAN SUSTAINABLE FINANCE POLICY
Bank Sinarmas menyadari pentingnya memperhatikan Bank Sinarmas acknowledges that it is important for the Corporate
proyek yang dibiayai agar senantiasa sesuai dengan prinsip- Bank to ensure that financing projects always comply with Governance
prinsip keuangan berkelanjutan. Dalam realisasinya, Bank sustainable finance principles. In its realization, the Bank
menetapkan persyaratan khusus berupa analisis mengenai establishes specific requirements such as Environmental SUSTAINABILITY
dampak lingkungan (AMDAL) bagi debitur dengan risiko Impact Assessments (AMDAL) for debtors with high REPORT
lingkungan tinggi, melalui program Kredit Kegiatan Usaha environmental risk, through the Sustainable Business Activity
Berkelanjutan (KKUB). Financing (KKUB) program.
Selain itu, Bank juga menetapkan kebijakan terkait sertifikasi Furthermore, the Bank also implements policies related to
keberlanjutan bagi debitur di sektor usaha tertentu, kebijakan sustainability certification for debtors in certain business
pemberian kredit usaha mikro, kecil, dan menengah sectors, policies for providing Micro, Small, and Medium
(UMKM) atau kredit usaha rakyat (KUR), serta kebijakan Enterprise (MSME) loans or People’s Business Credit (KUR),
pelaksanaan tanggung jawab sosial dan lingkungan (TJSL). as well as policies for implementing social and environmental
Bank menetapkan kriteria penilaian dan identifikasi terhadap responsibility (CSER). Moreover, the Bank establishes
prospek usaha, pengelolaan risiko lingkungan atas usaha criteria for assessing and identifying business prospects,
yang dilakukan oleh debitur, termasuk pengelolaan limbah. environmental risk management for activities carried out by
Dengan demikian, Bank senantiasa dapat memastikan debtors, including waste management. Thus, the Bank can
bahwa debitur tidak berada pada segmen atau kegiatan always ensure that debtors do not engage in segments or
usaha yang dilarang oleh pemerintah atau Bank. activities prohibited by the government or the Bank.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 546
Bank Sinarmas berkontribusi dalam mendukung penerapan Bank Sinarmas contributes to supporting the implementation
pembangunan berkelanjutan di Indonesia dengan of sustainable development in Indonesia by upholding the
menjunjung tinggi prinsip-prinsip keuangan berkelanjutan. principles of sustainable finance. This can be outlined as
Hal ini dapat diuraikan sebagai berikut: follows:
1. Sektor Perkebunan Sawit 1. Palm Oil Plantation Sector
Penerapan ketentuan tentang sertifikasi sawit The implementation of provisions regarding Indonesian
berkelanjutan Indonesia atau Indonesian Sustainable Sustainable Palm Oil (ISPO) certification and/or
Palm Oil (ISPO) dan/atau Indonesian Sustainable Palm Oil Roundtable on Sustainable Palm Oil (RSPO) certification
(RSPO) sebagai kewajiban kepada debitur yang bergerak as obligations for debtors engaging in the palm oil
di bidang perkebunan sawit. Debitur diharapkan lebih plantation sector. Debtors are expected to have a better
memahami dan menyadari pentingnya keselarasan understanding and awareness of the importance of
aspek sosial dan lingkungan dalam usahanya untuk social and environmental aspects in their businesses to
mendukung implementasi pembangunan berkelanjutan. support the implementation of sustainable development.
2. Kredit Usaha Rakyat 2. People’s Business Credit
Bank Sinarmas telah dan akan terus berkontribusi dalam Bank Sinarmas has and will continue to contribute
544 penyaluran Kredit Usaha Rakyat (KUR) pada sektor
produksi seperti perikanan, peternakan, dan pertanian.
to the distribution of People’s Business Credit (KUR)
in production sectors such as fisheries, livestock,
Ikhtisar Kinerja
Dengan begitu, Bank dapat mendorong pembangunan and agriculture. That way, the Bank can encourage
2024 berkelanjutan kepada masyarakat dengan tidak hanya sustainable development in the community by not
memberikan pembiayaan, namun juga memberikan only offering financing, but also providing guidance
Laporan pendampingan dan pembelajaran atas produk dan/ and education on financial products and/or services
Manajemen atau jasa keuangan. Hal ini dilakukan guna memberikan to contribute to the management and advancement of
kontribusi dalam pengelolaan dan memajukan usaha Indonesian community businesses.
Profil Perusahaan masyarakat Indonesia.
3. Pembiayaan Digital 3. Digital Financing
Analisis dan
Bank Sinarmas menyadari perkembangan teknologi Bank Sinarmas realizes that the development of
Pembahasan
Manajemen informasi (TI) dapat meningkatkan peran dan kontribusi information technology (IT) enhances its role and
dalam literasi dan inklusi keuangan di tanah air. Maka contribution to financial literacy and inclusion in the
Tinjauan dari itu, Bank membidik peluang perkembangan country. Therefore, the Bank aims to explore the
Pendukung Bisnis ekonomi digital di Indonesia dengan mengembangkan opportunities of the digital economy development
layanan pemberian kredit secara online (digital loan) in Indonesia by developing online credit services
Tata Kelola untuk kebutuhan penyaluran kredit mikro maupun kredit (digital loans) for micro credit and consumer credit
Perusahaan
konsumer. Penyaluran kredit secara digital terbukti needs. Digital credit distribution has been proven to
mendukung upaya pelestarian alam, seperti yang terlihat support environmental conservation efforts, as seen in
LAPORAN
KEBERLANJUTAN pada pengurangan penggunaan kertas (paperless) the reduction of paper usage (paperless) in business
dalam operasional usaha. operations.
4. Pembukaan Rekening Pendaftaran 4. Registration for Opening an Account
Melalui inovasi mekanisme, Bank bertekad untuk Through mechanism innovation, the Bank is determined
memudahkan nasabah untuk memberikan kenyamanan to facilitate customers to provide convenience in the
pada proses digitalisasi pembukaan rekening; dan digital account opening process; and
5. Proses Kredit Supply Chain Financing 5. Supply Chain Financing Credit Process
Bank berupaya meningkatkan efisiensi dan efektivitas The Bank seeks to enhance efficiency and effectiveness
yang menunjang perkembangan bisnis debitur melalui that support the business development of debtors
pengembangan sistem pencairan kredit (paperless) through the development of a paperless and digitalized
dan terdigitalisasi pada Proses Kredit Supply Chain credit disbursement system in the Supply Chain
Financing. Financing Credit Process.
Bank memetakan portofolio penyaluran kredit menjadi 12 The Bank maps its credit distribution portfolio into 12
kategori sesuai Rencana Aksi Keuangan Berkelanjutan categories according to the Sustainable Finance Action Plan
melalui program pembiayaan KKUB. Selain itu, Bank secara through the Sustainable Business Activity Financing (KKUB)
khusus juga memberikan kredit pada segmen usaha mikro program. In addition, the Bank specifically provides credit to
kecil dan menengah (UMKM) dengan menciptakan produk the micro, small, and medium enterprise (MSME) segments
Virtual Credit Card. Produk ini terbukti efektif mendukung by creating a Virtual Credit Card product. This product has
pengurangan sumber daya alam dan mengurangi proven effective in supporting natural resource reduction
penggunaan kertas. and decreasing paper usage.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 547
Pada struktur pengelola kredit, Bank telah memisahkan In the credit management structure, the Bank has separated
fungsi pemasaran dan analisa kredit dalam penerimaan the marketing and credit analysis functions in accepting
permohonan kredit. Maka dari itu, Bank berupaya menjaga credit applications. Therefore, the Bank strives to maintain
kualitas kredit berdasarkan prinsip kehati-hatian. Pemberian credit quality based on the principle of prudence. Credit
kredit wajib mendapatkan persetujuan dari Komite Kredit approval also requires approval from the Credit Committee,
yang memiliki integritas, profesionalisme, serta berkompeten which possesses integrity, professionalism, and competence
di bidang perkreditan. in credit management.
PELIBATAN PEMANGKU KEPENTINGAN [GRI 2-29] STAKEHOLDERS ENGAGEMENT [GRI 2-29]
Pelibatan pemangku kepentingan merupakan aspek Stakeholder engagement is a key aspect in implementing
kunci dalam penerapan strategi keberlanjutan Bank Bank Sinarmas’ sustainability strategy. The Bank understands
Sinarmas. Bank memahami bahwa keberhasilan jangka that long-term success is highly dependent on strong
panjang sangat bergantung pada hubungan yang kuat and collaborative relationships with various stakeholders,
dan kolaboratif dengan berbagai pemangku kepentingan, including employees, customers, investors, regulators,
termasuk karyawan, nasabah, investor, regulator, komunitas, communities, and business partners. Therefore, Bank
serta mitra bisnis. Oleh karena itu, Bank Sinarmas secara
proaktif menjalin komunikasi dan kolaborasi yang transparan
Sinarmas proactively establishes transparent and responsive
communication and collaboration to ensure that stakeholder
545
serta responsif untuk memastikan bahwa kepentingan interests and expectations can be understood and met.
2024
dan harapan pemangku kepentingan dapat dipahami dan Performance
dipenuhi. Highlights
Dalam menjalin hubungan dengan pemangku kepentingan, In establishing relationships with stakeholders, the Bank has Management
Bank telah melakukan pemetaan kelompok pemangku mapped stakeholders’ groups based on their proximity and Report
kepentingan berdasarkan kedekatan dan pengaruh mereka influence on the Bank through internal discussions among
terhadap Bank. Proses pemetaan dilakukan melalui diskusi the Bank’s operational units. This step is taken because Company
internal antar unit operasional Bank. Langkah ini dilakukan each stakeholder has a different perspective regarding Profile
karena setiap pemangku kepentingan memiliki sudut the management of important issues relevant to the Bank’s
pandang yang berbeda terkait pengelolaan isu-isu penting business activities, including sustainable finance issues.
Management
yang relevan dengan aktivitas bisnis Bank, termasuk isu-isu Important issues arising from stakeholders serve as the basis Discussion and
keuangan berkelanjutan. Isu-isu penting yang muncul dari for determining the focus of this report presentation. Analysis
pemangku kepentingan menjadi dasar dalam menentukan
fokus penyajian laporan ini. Business
Support
Daftar Kelompok Pemangku Kepentingan dan Metode Pelibatan Overview
List of Stakeholder Groups and Engagement Methods
Kelompok Kebutuhan Pemangku Respon Terhadap Metode Pelibatan Frekuensi Corporate
Pemangku Kepentingan Kebutuhan Pemangku Engagement Methods Pelaksanaan Governance
Kepentingan Stakeholders Needs Kepentingan Implementation
Stakeholders Response to Stakeholders Frequency
Group Needs SUSTAINABILITY
Pemegang Saham • Kinerja keuangan dan non- • Menyusun Rencana Bisnis • Pelaksanaan Rapat Umum Setiap tahun, REPORT
keuangan Bank dan RAKB Pemegang Saham (RUPS) sesuai waktu yang
• Kinerja lingkungan, sosial, • Menjaga kinerja Bank tetap dan Paparan Publik ditentukan, atau sesuai
dan tata kelola optimal dan sesuai target, • Penyampaian Laporan kebutuhan
• Pertumbuhan nilai saham dengan memperhatikan tiga Tahunan dan Laporan
• Penerapan prinsip keuangan pilar keberlanjutan Keberlanjutan
berkelanjutan • Menerapkan tata kelola • Penyediaan sarana akses
• Keberlangsungan usaha perusahaan yang baik (GCG) informasi
Bank secara optimal
• Mengelola manajemen risiko
dan menjaga reputasi Bank
• Menjaga keterbukaan
informasi
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 548
Kelompok Kebutuhan Pemangku Respon Terhadap Metode Pelibatan Frekuensi
Pemangku Kepentingan Kebutuhan Pemangku Engagement Methods Pelaksanaan
Kepentingan Stakeholders Needs Kepentingan Implementation
Stakeholders Response to Stakeholders Frequency
Group Needs
Shareholders • Financial and non-financial • Developing the Bank’s • Holding the General Annually, as scheduled,
performance Business Plan and Meeting of Shareholders or as needed
• Environmental, social and Sustainable Finance Action (GMS) and Public Expose
governance performance Plan (RAKB) • Submission of Annual Report
• Stock value growth • Maintaining the Bank’s and Sustainability Report
• Implementation of performance to remain • Provision of information
sustainable finance optimal and in line with access facilities
principles targets, while paying
• The Bank’s business attention to the three pillars
sustainability of sustainability
• Implementing good
corporate governance
(GCG) optimally
• Managing risk management
and maintaining the Bank's
reputation
546 • Maintaining information
transparency
Pemerintah • Kepatuhan regulasi dan • Memastikan pemenuhan • Penyampaian Laporan Setiap tahun,
Ikhtisar Kinerja pelaksanaan prinsip kehati- seluruh regulasi yang Tahunan dan Keberlanjutan, sesuai waktu yang
2024 hatian serta tata kelola berlaku bagi Bank Laporan Keuangan, Laporan ditentukan, atau
perusahaan • Meningkatkan kualitas GCG, dan laporan lainnya sesuai kebutuhan.
• Analisis risiko sosial penerapan GCG, termasuk dengan tepat waktu
Laporan dan lingkungan dalam sistem pengendalian internal • Pembayaran dan pelaporan
Manajemen pembiayaan dan sistem manajemen pajak serta PNBP
• Penyampaian beragam risiko • Penyusunan kebijakan
Profil Perusahaan laporan yang wajib • Menyusun RAKB anti-fraud, anti-korupsi, dan
• Pemenuhan kewajiban • Menyampaikan setiap APUPPT
perpajakan laporan dengan tepat waktu • Pertemuan-pertemuan
Analisis dan • Komitmen dalam mencegah • Membayar pajak dan lainnya
Pembahasan anti-fraud, anti-korupsi, serta penerimaan negara bukan
Manajemen anti-pencucian uang dan pajak (PNBP)
pencegahan pendanaan • Menyusun kebijakan untuk
terorisme (APUPPT) mencegah praktik fraud,
Tinjauan korupsi, dan APU-PPT
Pendukung Bisnis Government • Compliance with regulations • Ensuring compliance with • Timely submission of Annual Annually, as scheduled,
and implementation of all applicable regulations for and Sustainability Reports, or as needed
prudential principles as well the Bank Financial Statements, GCG
Tata Kelola
as corporate governance • Improving the quality of GCG Reports, and other reports
Perusahaan
• Analysis of social and implementation, including • Payment and reporting of
environmental risks in internal control and risk taxes and non-tax state
LAPORAN financing management systems revenues (PNBP)
KEBERLANJUTAN • Submission of various • Formulating the Sustainable • Formulation of anti-fraud,
mandatory reports Finance Action Plan (RAKB) anti-corruption, and AML-
• Fulfillment of tax obligations • Timely submission of every CFT policies
• Commitment to preventing report • Other meetings
fraud, corruption, as well • Paying taxes and non-tax
as money laundering state revenues (PNBP)
and countering terrorism • Formulating policies
financing (AML-CFT) to prevent fraudulent,
corruption, and AML-CFT
practices
Karyawan • Hubungan Industrial yang • Menyediakan sistem • Penyelenggaraan gathering Setiap tahun atau
baik; pengaduan karyawan; karyawan dan focus group sesuai rencana
• Hak dan kewajiban Memenuhi hak dan discussion (FGD); pelaksanaan
karyawan; kewajiban karyawan; • Penyediaan whistleblowing program.
• Kesempatan setara dalam • Menyediakan pelatihan dan system (WBS) untuk
pengembangan karier, pendidikan untuk semua melaporkan pelanggaran
kompetensi, pelatihan karyawan; hak-hak karyawan atau
dan pendidikan; serta • Membangun sistem praktik ketenagakerjaan di
Keselamatan dan Kesehatan pengelolaan talenta, lingkungan Bank;
Kerja (K3). termasuk evaluasi kinerja • Pelaksanaan berbagai
yang adil, kenaikan jabatan, program pendidikan/
promosi, dan mutasi; serta pelatihan, serta promosi
• Memastikan lingkungan atau mutasi;
kerja yang aman. • Penyediaan sarana dan
prasarana (K3) yang
memadai; serta
• Pelaksanaan survei
kepuasan karyawan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 549
Kelompok Kebutuhan Pemangku Respon Terhadap Metode Pelibatan Frekuensi
Pemangku Kepentingan Kebutuhan Pemangku Engagement Methods Pelaksanaan
Kepentingan Stakeholders Needs Kepentingan Implementation
Stakeholders Response to Stakeholders Frequency
Group Needs
Employee • Good Industrial Relations; • Providing an employee • Organizing employee Annually or according
• Employee rights and complaint system; gatherings and focus group to the program
obligations; • Fulfilling employee rights discussions (FGD); implementation
• Equal opportunities in career and obligations; • Providing a whistleblowing plan.
development, competence • Providing training and system (WBS) to report
enhancement, training and education for all employees; violations of employee rights
education; and • Developing a talent or employment practices
• Occupational Health and management system, within the Bank;
Safety (OHS). including fair performance • Implementing various
evaluations, promotions, and education/training programs,
transfer; and as well as promotions or
• Ensuring a safe working transfers;
environment. • Providing adequate facilities
and infrastructure (OHS); and
• Conducting employee
satisfaction surveys.
Nasabah • Tanggapan dan tindak • Menindaklanjuti umpan • Pelaksanaan customer Sepanjang tahun atau 547
lanjut atas umpan balik, balik, masukan, keluhan, dan gathering sesuai
masukan, keluhan, dan pengaduan yang diterima; • Penyediaan layanan call kebutuhan.
permintaan informasi; • Menggali kebutuhan center Bank di 1500153; 2024
• Pengembangan produk nasabah serta melakukan • Pelaksanaan program literasi Performance
perbankan; inovasi produk dan layanan; dan inklusi keuangan; serta Highlights
• Kesehatan dan keselamatan • Meningkatkan kualitas • Pelaksanaan survei
dalam operasional bank; layanan, termasuk dalam hal kepuasan nasabah.
• Kinerja keberlanjutan; teknologi informasi; Management
• Perlindungan privasi • Memberikan perlindungan Report
nasabah dan keamanan simpanan dan kerahasiaan
data; data nasabah;
• Pendidikan dan pelatihan; • Menyelenggarakan program
• Layanan perbankan yang literasi dan inklusi keuangan; Company
prima; serta serta Profile
• Literasi dan inklusi • Menyediakan informasi yang
keuangan. lengkap dan transparan
terkait produk dan jasa Management
Bank melalui situs web atau Discussion and
brosur yang tersedia di Analysis
setiap kantor cabang.
Customers • Response and follow-up on • Following up on feedback, • Organizing customer Throughout the year or
feedback, input, complaints, input, complaints, and gatherings; as needed. Business
and information requests; grievances received; • Provision of Bank call center Support
• Development of banking • Identifying customer needs services at 1500153; Overview
products; and innovating products and • Organizing financial literacy
• The Bank’s health and safety services; and inclusion programs; and
operations; • Improving service quality, • Conducting customer
Corporate
• Sustainability performance; including in terms of satisfaction surveys.
• Protection of customer information technology; Governance
privacy and data security; • Providing protection of
• Education and training; customer deposits and data
• Excellent banking services; confidentiality; SUSTAINABILITY
and • Organizing financial literacy REPORT
• Financial literacy and and inclusion programs; and
inclusion. • Providing comprehensive
and transparent information
regarding Bank products
and services through the
website or brochures
available at each branch
office.
Mitra Bisnis atau • Pengadaan barang dan/ • Memberikan informasi • Perumusan kontrak kerja Sepanjang tahun atau
Rekanan atau jasa yang adil dan yang dibutuhkan untuk sama; serta sesuai kebutuhan
transparan; memperlancar proses • Pelaksanaan pertemuan
• Kontrak kerja yang saling pengadaan dan pekerjaan; berkala.
menguntungkan; • Sosialisasi dan edukasi
• Pembayaran tepat waktu; kebijakan dan Kode Etik;
serta • Membangun komunikasi
• Hubungan kerja yang baik. bisnis yang sistematis; serta
• Melakukan pembayaran
tepat waktu.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 550
Kelompok Kebutuhan Pemangku Respon Terhadap Metode Pelibatan Frekuensi
Pemangku Kepentingan Kebutuhan Pemangku Engagement Methods Pelaksanaan
Kepentingan Stakeholders Needs Kepentingan Implementation
Stakeholders Response to Stakeholders Frequency
Group Needs
Business Partners • Fair and transparent • Providing necessary • Formulation of cooperation Throughout the year or
or Associates provision of goods and/or information to facilitate contracts; and as needed.
services; procurement and work • Organizing regular
• Mutually beneficial processes; meetings.
employment contracts; • Dissemination and
• Timely payments; and education of policies and
• Good working relationships. Code of Ethics;
• Developing systematic
business communication;
and
• Making timely payments.
Media Informasi dan data Bank, Menyediakan informasi yang • Pelaksanaan Paparan Setiap tahun, sesuai
seperti kinerja finansial, relevan dan transparan melalui Publik dan press release/ waktu yang ditentukan,
layanan dan produk, serta aksi situs web Bank dan Bursa Efek conference; serta atau sesuai kebutuhan.
korporasi. Indonesia. • Publikasi media dan Laporan
Bank.
548 Media Bank information and data, Providing relevant and • Holding Public Expose and Annually, as scheduled,
such as financial performance, transparent information through press releases/conferences; or as needed.
Ikhtisar Kinerja services and products, as well the Bank’s and Indonesia Stock and
2024 as corporate actions. Exchange’s websites. • Media publications and
Bank Reports.
Masyarakat • Pemahaman mengenai • Memberikan pemahaman • Pelaksanaan program TJSL; Sesuai rencana
Laporan keuangan berkelanjutan; dan perannya dalam serta pelaksanaan program
Manajemen serta penerapan keuangan • Penyediaan WBS untuk atau sesuai kebutuhan.
• Peningkatan kesejahteraan berkelanjutan Bank; menyampaikan pengaduan
masyarakat. • Rekrutmen tenaga kerja masyarakat.
Profil Perusahaan
lokal; serta
• Melaksanakan berbagai
Analisis dan kegiatan TJSL, termasuk
Pembahasan literasi dan inklusi keuangan.
Manajemen Community • Understanding about • Providing understanding • Organizing CSER programs; As scheduled, or as
sustainable finance; and and the role of sustainable and needed.
• Improving community finance implementation at • Providing WBS for
Tinjauan welfare. the Bank; community to convey their
Pendukung Bisnis • Recruitment of local complaints.
employees; and
• Implementing various CESR
Tata Kelola
activities, including financial
Perusahaan literacy and inclusion.
LAPORAN
KEBERLANJUTAN PENERAPAN KEUANGAN BERKELANJUTAN IMPLEMENTATION OF SUSTAINABLE
FINANCE
Bank Sinarmas memiliki perhatian besar terhadap Bank Sinarmas has a great concern for the development of
pembangunan keuangan berkelanjutan. Bank menyadari sustainable finance. The Bank realizes the importance of the
pentingnya isu pengelolaan keuangan berkelanjutan dengan issue of sustainable finance management by prioritizing the
mengedepankan penerapan prinsip triple bottom line dalam application of the triple bottom line principle in the Bank’s
kegiatan usaha Bank, people, profit dan planet, di mana business activities—people, profit, and planet—where
aspek ekonomi, sosial dan lingkungan hidup merupakan economic, social, and environmental aspects are 3 (three)
3 (tiga) hal yang seharusnya berjalan dengan selaras. Arah things that should run in harmony. The direction of the
dari pengaturan penerapan Keuangan Berkelanjutan adalah regulation of the implementation of Sustainable Finance
mendorong penciptaan Keuangan Berkelanjutan di sektor is to encourage the creation of Sustainable Finance in the
jasa keuangan yang mendukung keberlanjutan ekonomi, financial services sector that supports economic, social, and
sosial, dan Lingkungan Hidup dalam pelaksanaan proses environmental sustainability in the implementation of the
pembangunan di Indonesia. development process in Indonesia.
Melalui semangat tersebut, Bank Sinarmas telah dan akan terus Through this spirit, Bank Sinarmas has and will continue to
berupaya menyusun program-program keuangan berkelanjutan strive to formulate sustainable finance programs, including
antara lain seperti meningkatkan program inklusi keuangan untuk increasing financial inclusion programs to improve the
meningkatkan perekonomian dan kesejahteraan masyarakat, economy and community welfare, increasing sustainability
meningkatkan keberlanjutan dalam program tanggung in corporate social responsibility programs, improving
jawab sosial perusahaan, meningkatkan program-program employee welfare programs, and being careful in distributing
kesejahteraan karyawan, serta berhati-hati dalam penyaluran credit so as not to endanger the environment.
kredit sehingga tidak membahayakan lingkungan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 551
Penerapan Rencana Aksi Keuangan Implementation of Sustainable Finance Action
Berkelanjutan (RAKB) Plan (RAKB)
Bank Sinarmas telah menyusun langkah inisiatif dan rencana Bank Sinarmas has prepared initiative measures and strategic
strategis dalam penerapan keuangan berkelanjutan yang plans for implementing sustainable finance as stated in
tercantum dalam Rencana Aksi Keuangan Berkelanjutan the Sustainable Finance Action Plan (RAKB). Through the
(RAKB). Melalui aspek keberlanjutan yang tertuang dalam sustainability aspects stated in the RAKB, the Bank plays an
RAKB, Bank berperan penting dalam mendukung Tujuan important role in supporting the Sustainable Development
Pembangunan Berkelanjutan (TPB). Goals (SDGs).
Bank Sinarmas memiliki 3 (tiga) prioritas yang dituangkan Bank Sinarmas has established 3 (three) priorities stated in
dalam roadmap RAKB yaitu: the RAKB roadmap, namely:
1. Pengembangan Kapasitas Intern; 1. Internal Capacity Development;
2. Pengembangan Produk dan Layanan Keuangan 2. Development of Sustainable Finance Products and
Berkelanjutan; Services;
3. Penyesuaian Tata Kelola, Organisasi dan Lingkungan 3. Adjustment of Governance, Organization and Work
Kerja yang sesuai Prinsip Keuangan Berkelanjutan. Environment in accordance with Sustainable Finance
Principles.
549
Peta Jalan RAKB
Sustainable Finance Action Plan Roadmap 2024
Performance
Prioritas Keuangan Highlights
Berkelanjutan
2024 2025 2026 2027 2028
Sustainable Finance
Priorities
Management
Pengembangan 1) Program Awareness Rencana Aksi Keuangan Berkelanjutan. 1) Pelaksanaan 360 Degree Assessment Report
Kapasitas Intern 2) Refreshment Materi Rencana Aksi Keuangan Berkelanjutan. karyawan: Penerapan 360 degree
3) Memantau parameter KPI keuangan berkelanjutan pada KPI unit kerja assessment karyawan secara bertahap
terkait di KPNO untuk menyesuaikan dengan strategi perusahaan. dan periodik sebagai dasar rencana Company
4) Proses improvement melalui pengembangan sistem dan aplikasi. pengembangan karyawan. Profile
5) Pelaksanaan 360 Degree Assessment karyawan: Penerapan 360 2) Pelaksanaan pengembangan Karyawan
degree assessment karyawan secara bertahap dan periodik sebagai berbasis kompetensi sebagai tindak lanjut
dasar rencana pengembangan karyawan. pelaksanaan kegiatan assessment dan
6) Pelaksanaan pengembangan Karyawan berbasis kompetensi sebagai pemenuhan kebutuhan organisasi. Management
tindak lanjut pelaksanaan kegiatan assessment dan pemenuhan 3) Program Awareness Rencana Aksi Discussion and
kebutuhan organisasi. Keuangan Berkelanjutan Analysis
7) Program rutin work life balance. 4) Refreshment materi RAKB kepada semua
karyawan.
5) Program rutin work life balance. Business
6) Proses improvement melalui Support
pengembangan sistem dan aplikasi. Overview
Memantau parameter KPI keuangan
berkelanjutan pada KPI unit kerja terkait di
KPNO untuk menyesuaikan dengan strategi
perusahaan. Corporate
Governance
Internal Capacity 1) Sustainable Finance Action Plan Awareness Program. 1) Implementation of 360 Degree Employee
Development 2) Refreshment of Sustainable Finance Action Plan Material. Assessment: Implementation of 360
3) Monitoring sustainable finance KPI parameters on related work unit KPIs degree employee assessment gradually
SUSTAINABILITY
in KPNO to align with company strategy. and periodically as the basis for employee
4) Improvement process through system and application development. development plans. REPORT
5) Implementation of 360 Degree Employee Assessment: Implementation 2) Implementation of competency-based
of 360 degree employee assessments gradually and periodically as the Employee development as a follow-up to
basis for employee development plans. the implementation of assessment activities
6) Implementation of competency-based Employee development as a and fulfillment of organizational needs.
follow-up to the implementation of assessment activities and fulfillment 3) Sustainable Finance Action Plan Awareness
of organizational needs. Program
7) Implementation of routine work life balance program. 4) Refreshment of RAKB materials to all
employees.
5) Implementation of routine work life balance
program.
6) Improvement process through system
and application development. Monitoring
sustainable finance KPI parameters on
related work unit KPIs at KPNO to align with
company strategy.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 552
Prioritas Keuangan
Berkelanjutan
2024 2025 2026 2027 2028
Sustainable Finance
Priorities
Pengembangan 1) Membeli obligasi 1) Memperluas 1) Meningkatkan 1) Aktivitas yang dapat meningkatkan
Produk dan Pemerintah jangkauan kredit penyaluran kredit keaktifan nasabah untuk selalu
Layanan Keuangan green/keuangan kepada UMKM kepada UMKM menggunakan layanan perbankan digital.
Berkelanjutan berkelanjutan dengan dukungan 2) Aktivitas 2) Pengembangan aplikasi di Simobiplus.
2) Pembukaan Rekening teknologi yang dapat 3) Membeli obligasi pemerintah green/
dan Transaksi informasi. meningkatkan keuangan berkelanjutan.
Reksa Dana melalui 2) Membeli obligasi keaktifan nasabah
Simobiplus. pemerintah untuk selalu
3) Menyalurkan produk green/keuangan menggunakan
kredit/pembiayaan berkelanjutan. layanan perbankan
baru yang inovatif. 3) Penyaluran kredit digital.
4) Aktivitas yang dapat dengan aplikasi 3) Membeli obligasi
meningkatkan yang mudah, cepat pemerintah
keaktifan nasabah dan Smart. green/keuangan
untuk selalu 4) Aktivitas berkelanjutan
menggunakan layanan yang dapat
perbankan digital. meningkatkan
550 keaktifan nasabah
untuk selalu
menggunakan
layanan perbankan
Ikhtisar Kinerja digital.
2024 5) Retail Bonds
Sustainable 1) Purchasing 1) Expanding the 1) Increasing credit 1) Conducting activities that can enhance
Laporan Finance Products government’s green reach of credit distribution to customer engagement to consistently use
Manajemen and Services bonds/sustainable to MSMEs with MSMEs digital banking services.
Development finance instruments. the support 2) Conducting 2) Application development in Simobiplus.
2) Opening Mutual of information activities that can 3) Purchasing government’s green bonds/
Profil Perusahaan Fund Accounts and technology. enhance customer sustainable finance instruments.
Transactions through 2) Purchasing engagement to
Simobiplus. government’s consistently use
Analisis dan 3) Distributing new green bonds / digital banking
Pembahasan innovative credit/ sustainable finance services.
Manajemen financing products. instruments. 3) Purchasing
4) Conducting activities 3) Credit distribution government’s
that can enhance with easy, fast and green bonds/
Tinjauan
customer engagement Smart applications. sustainable finance
Pendukung Bisnis to consistently use 4) Conducting instruments.
digital banking activities can
Tata Kelola services. enhance customer
Perusahaan engagement to
consistently use
digital banking
LAPORAN services.
KEBERLANJUTAN 5) Retail Bonds.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 553
Prioritas Keuangan
Berkelanjutan
2024 2025 2026 2027 2028
Sustainable Finance
Priorities
Penyesuaian Tata 1) Menciptakan 1) Menciptakan 1) Menciptakan 1) Menciptakan 1) Menciptakan
Kelola, Organisasi, lingkungan kerja lingkungan kerja lingkungan kerja lingkungan kerja lingkungan kerja
dan Lingkungan Kerja yang berwawasan yang berwawasan yang berwawasan yang berwawasan yang berwawasan
yang Sesuai Prinsip lingkungan lingkungan lingkungan lingkungan lingkungan
Keuangan (penghematan (penghematan (penghematan (penghematan (penghematan
Berkelanjutan penggunaan air, listrik penggunaan air, penggunaan air, penggunaan air, penggunaan air,
dan kertas). Serta listrik dan kertas). listrik dan kertas). listrik dan kertas). listrik dan kertas).
efisiensi waktu dan Serta efisiensi Serta efisiensi Serta efisiensi Serta efisiensi
biaya operasional waktu dan biaya waktu dan biaya waktu dan biaya waktu dan biaya
kantor. operasional kantor. operasional kantor. operasional kantor. operasional kantor.
2) Melakukan kajian 2) Melakukan kajian 2) Melakukan kajian 2) Melakukan kajian 2) Melakukan kajian
dan sosialisasi atau dan sosialisasi dan sosialisasi dan sosialisasi dan sosialisasi
penyampaian informasi atau penyampaian atau penyampaian atau penyampaian atau penyampaian
kepada seluruh informasi kepada informasi kepada informasi kepada informasi kepada
unit kerja dalam hal seluruh unit kerja seluruh unit kerja seluruh unit kerja seluruh unit kerja
terdapat informasi dalam hal terdapat dalam hal terdapat dalam hal terdapat dalam hal terdapat
atau ketentuan baru
terkait Keuangan
informasi atau
ketentuan baru
informasi atau
ketentuan baru
informasi atau
ketentuan baru
informasi atau
ketentuan baru 551
Berkelanjutan. terkait Keuangan terkait Keuangan terkait Keuangan terkait Keuangan
Berkelanjutan. Berkelanjutan. Berkelanjutan. Berkelanjutan.
3) Evaluasi dan 2024
pengkinian 3) Evaluasi dan 3) Evaluasi dan 3) Evaluasi dan 3) Evaluasi dan Performance
ketentuan internal pengkinian pengkinian pengkinian pengkinian Highlights
terkait keuangan ketentuan internal ketentuan internal ketentuan internal ketentuan internal
berkelanjutan apabila terkait keuangan terkait keuangan terkait keuangan terkait keuangan
diperlukan. berkelanjutan berkelanjutan berkelanjutan berkelanjutan Management
apabila diperlukan. apabila diperlukan. apabila diperlukan. apabila diperlukan. Report
4) Bank Sinarmas
berkomitmen untuk 4) Bank Sinarmas 4) Bank Sinarmas 4) Bank Sinarmas 4) Bank Sinarmas
secara konsisten memberikan berkomitmen memberikan memberikan
menerapkan manfaat ekonomi untuk secara manfaat ekonomi manfaat ekonomi Company
pembangunan dalam yang berkelanjutan konsisten yang berkelanjutan yang berkelanjutan Profile
pemberdayaan bagi masyarakat menerapkan bagi masyarakat bagi masyarakat
ekonomi, lingkungan, sekitar serta pembangunan sekitar serta sekitar serta
dan sosial yang berkontribusi dalam berkontribusi berkontribusi Management
berkelanjutan, serta dalam pemberdayaan dalam dalam Discussion and
terus mendukung pemberdayaan ekonomi, pemberdayaan pemberdayaan Analysis
program-program sosial. lingkungan, sosial. sosial.
pemerintah, seperti dan sosial yang
Kredit Usaha Mikro, berkelanjutan,
Business
Kecil, dan Menengah serta terus
(UMKM). mendukung
Support
program-program Overview
pemerintah,
seperti Kredit
Usaha Mikro, Kecil, Corporate
dan Menengah Governance
(UMKM).
SUSTAINABILITY
REPORT
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Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
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Prioritas Keuangan
Berkelanjutan
2024 2025 2026 2027 2028
Sustainable Finance
Priorities
Adjustment of 1) Creating an 1) Creating an 1) Creating an 1) Creating an 1) Creating an
Governance, environmentally environmentally environmentally environmentally environmentally
Organization, and friendly work friendly work friendly work friendly work friendly work
Work Environment environment environment environment environment environment
in Accordance with (conserving water, (conserving (conserving (conserving (conserving
Sustainable Finance electricity and paper water, electricity water, electricity water, electricity water, electricity
Principles utilization). As well and paper and paper and paper and paper
as efficiency of time utilization). As well utilization). As well utilization). As well utilization). As well
and office operational as efficiency of as efficiency of as efficiency of as efficiency of
costs. time and office time and office time and office time and office
2) Conducting studies operational costs. operational costs. operational costs. operational costs.
and dissemination or 2) Conducting studies 2) Conducting studies 2) Conducting studies 2) Conducting studies
delivering information and dissemination and dissemination and dissemination and dissemination
across all work or delivering or delivering or delivering or delivering
units in the event of information across information across information across information across
new information or all work units in all work units in all work units in all work units in
provisions related to the event of new the event of new the event of new the event of new
552 Sustainable Finance.
3) Evaluating and
information or
provisions related
information or
regulations related
information or
regulations related
information or
regulations related
updating internal to Sustainable to Sustainable to Sustainable to Sustainable
provisions related to Finance. Finance. Finance. Finance.
Ikhtisar Kinerja sustainable finance if 3) Evaluating and 3) Evaluating and 3) Evaluating and 3) Evaluating and
2024 necessary. updating internal updating internal updating internal updating internal
4) Bank Sinarmas regulations related provisions related provisions related provisions related
is committed to sustainable to sustainable to sustainable to sustainable
Laporan
to consistently finance if finance if finance if finance if
Manajemen implementing necessary. necessary. necessary. necessary.
development in 4) Bank Sinarmas 4) Bank Sinarmas 4) Bank Sinarmas 4) Bank Sinarmas
Profil Perusahaan sustainable economic, provides is committed provides provides
environmental and sustainable to consistently sustainable sustainable
social empowerment, economic benefits implementing economic benefits economic benefits
Analisis dan as well as continuing to the surrounding development to the surrounding to the surrounding
Pembahasan to support government community and in sustainable community and community and
Manajemen programs, such as contributes economic, contributes contributes
Micro, Small and to social environmental to social to social
Medium Enterprises empowerment. and social empowerment. empowerment.
Tinjauan (MSMEs) Credit. empowerment, as
Pendukung Bisnis well as continuing
to support
government
Tata Kelola programs, such
Perusahaan as Micro, Small
and Medium
Enterprises
LAPORAN (MSMEs) Credit.
KEBERLANJUTAN
Selain roadmap lima tahun, Bank Sinarmas memiliki In addition to the five-year roadmap, Bank Sinarmas has
rencana satu tahunan yang telah disusun untuk tahun 2024 established a one-year plan that has been formulated for
berdasarkan target kegiatan prioritas. 2024 based on priority activity targets.
Rencana Satu Tahunan RAKB 2024
One Year Plan of the 2024 Sustainable Finance Action Plan (RAKB)
Uraian Aktivitas Tujuan Aktivitas Indikator Keberhasilan
Activity Description Activity Objectives Success Indicators
Kerja sama pembukaan rekening 1) Memperluas kanal akuisisi nasabah Bank Sinarmas 1) Aktivitas dapat diimplementasikan.
online melalui platform Partner untuk meningkatkan inklusivitas keuangan dan
(Pihak Ketiga) meningkatkan brand awareness. 2) Jumlah pihak ketiga yang bekerja sama dan
jumlah akuisisi rekening tabungan online
2) Menambah Portofolio DPK dalam bentuk CASA dari melalui meningkat.
nasabah baru tersebut.
3) Sebagai sarana promosi Bank Sinarmas sehingga
meningkatkan brand Image di masyarakat.
Collaborating on online accounts 1) Expanding Bank Sinarmas’ customer acquisition 1) Activities is able to be implemented.
opening through Partner platforms channels to promote financial inclusiveness and 2) The number of third parties cooperating
(Third Parties) increase brand awareness. and the number of online savings account
2) Increasing the TPF Portfolio in the form of CASA from acquisitions increases.
new customers.
3) As a means of promoting Bank Sinarmas so as to
increase the brand image in the community.
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Uraian Aktivitas Tujuan Aktivitas Indikator Keberhasilan
Activity Description Activity Objectives Success Indicators
Menciptakan lingkungan kerja Mendukung pelaksanaan keuangan berkelanjutan pada Adapun programnya sebagai berikut:
yang berwawasan lingkungan. lingkungan kerja internal. 1) Print out dan fotokopi bolak balik dan mulai
menjalankan budaya permintaan persetujuan
menggunakan e-sign.
2) Mematikan lampu pada jam-jam istirahat
3) Mematikan AC mulai pukul 17.00 WIB (setelah
jam kerja).
4) Mematikan komputer (personal computer) dan
peralatan lain pada saat menjelang hari libur
(khusus personal computer tidak dalam kondisi
standby)
5) Penggunaan lampu LED
6) Pemasangan Surya Panel
7) Penambahan Motor Listrik (12 unit).
Creating an environmentally Promoting the implementation of sustainable finance The programs are as follows:
friendly work environment. within the internal work environment. 1) Printing out and making photocopy on both
sides of paper and start implementing the
culture of requesting approval using e-sign.
2) Turning off lights during break times
3) Turning off the AC starting at 17.00 WIB (after
working hours).
553
4) Turning off computers (personal computers)
and other equipment during holidays 2024
(especially personal computers are not on Performance
standby mode) Highlights
5) Utilizing LED lights
6) Installing Solar Panels
7) Adding Electric Motorcycles (12 units).
Management
Menyalurkan dan kredit terutama Meningkatkan portfolio kredit serta mendukung 1) Kuota Kredit Usaha Rakyat (KUR) Mikro sebesar Report
kepada sektor UMKM dengan kepentingan pembangunan nasional dan program Rp5 miliar dapat disalurkan.
produk Kredit Usaha Rakyat (KUR) unggulan pemerintah. 2) Kuota Kredit Usaha Rakyat (KUR) Kecil sebesar
Rp395 miliar dapat disalurkan.
Company
Profile
Channeling credit funds, especially Increasing credit portfolio and supporting national 1) People's Business Credit (KUR) quota of Rp5
to the SME sector with the People's development interests and government flagship billion can be disbursed.
Business Credit (KUR) product. programs. 2) People's Business Credit (KUR) quota of Rp395 Management
billion can be disbursed. Discussion and
Analysis
1) Program Awareness Rencana 1) Melaksanakan program awareness kepada seluruh 1) Seluruh karyawan melaksanakan program
Aksi Keuangan Berkelanjutan. karyawan, termasuk karyawan baru, melalui program awareness RAKB.
2) Refreshment Materi Rencana pelatihan yang terdiri dari e-learning dan in-class 2) Unit yang berpartisipasi dalam penyusunan Business
Aksi Keuangan Berkelanjutan. session untuk memastikan pemahaman yang RAKB melaksanakan program awareness Support
3) Memantau parameter KPI mendalam mengenai RAKB yang dijalankan oleh RAKB. Overview
keuangan berkelanjutan pada perusahaan. 3) KPI Unit Kerja terkait sudah memasukkan KPI
KPI unit kerja terkait di KPNO 2) Menyelenggarakan program penyegaran dan keuangan berkelanjutan.
untuk menyesuaikan dengan pembaruan materi RAKB kepada unit-unit yang 4) Enhancement dan pengembangan sistem yang
strategi perusahaan. terlibat dalam penyusunan RAKB untuk memastikan dibutuhkan terimplementasi dengan baik dan Corporate
4) Proses Improvement melalui keselarasan pemahaman dan implementasi yang sesuai rencana. Governance
pengembangan sistem dan tepat. 5) Terlaksana sesuai dengan level jabatan yang
aplikasi. 3) Memastikan bahwa seluruh kegiatan bisnis dan dituju.
5) Pelaksanaan 360 Degree operasional perusahaan selaras dengan prinsip 6) Terlaksana sesuai dengan rancangan program SUSTAINABILITY
Assessment karyawan: keuangan berkelanjutan untuk mendukung tujuan pengembangan. REPORT
Penerapan 360 degree jangka panjang yang bertanggung jawab. 7) Akan dilaksanakan kegiatan employee
assessment karyawan secara 4) Melakukan refresh pada core system HCM agar engagement setiap 3 bulan sekali selama 1
bertahap dan periodik sebagai menjadi lebih robust dan sesuai dengan standar tahun, program rutin komunitas untuk olahraga
dasar rencana pengembangan internasional, guna mendukung pengelolaan sumber dan hobi, serta pemberian penghargaan masa
karyawan. daya manusia yang lebih efektif dan efisien. kerja karyawan.
6) Pelaksanaan pengembangan 5) Menerapkan 360-degree assessment bagi karyawan
karyawan berbasis secara periodik sebagai dasar dalam perencanaan
kompetensi sebagai tindak pengembangan karir dan peningkatan kinerja individu.
lanjut pelaksanaan kegiatan 6) Menjamin bahwa setiap karyawan memiliki kompetensi
assessment dan pemenuhan yang dibutuhkan dalam pekerjaannya, sekaligus
kebutuhan organisasi. mendukung pengembangan diri dan karir, serta
7) Program rutin work life balance. memastikan keberlangsungan perusahaan dalam
jangka panjang.
7) Meningkatkan engagement karyawan agar memiliki
rasa keterikatan yang tinggi terhadap perusahaan dan
termotivasi untuk memberikan kontribusi terbaik dalam
mencapai tujuan perusahaan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 556
Uraian Aktivitas Tujuan Aktivitas Indikator Keberhasilan
Activity Description Activity Objectives Success Indicators
1) Sustainable Financial Action 1) Conducting awareness programs for all employees, 1) All employees implement the RAKB awareness
Plan Awareness Program. including new employees, through training programs program.
2) Refreshment of Sustainable consisting of e-learning and in-class sessions to 2) Units participating in the formulation of RAKB
Finance Action Plan Material. ensure a deep understanding of the Company’s Bank implement the RAKB awareness program.
3) Monitoring sustainable finance Policy Action Plan (RAKB).. 3) The related Work Unit KPI has included
KPI parameters on related work 2) Organizing refreshment programs and update on sustainable finance KPI.
unit KPIs in KPNO to align with RAKB materials to units involved in the preparation 4) Enhancements and developments of required
Company strategies. of RAKB to ensure alignment of understanding and system are well-implemented and in line with
4) Improvement process through proper implementation. the plan.
system and application 3) Ensuring that all business and operational activities 5) Program can be implemented according to the
development. of the company are aligned with sustainable finance targeted position level.
5) Implementing 360 Degree principles to support the objectives 6) Implemented according to the development
Employee Assessment: 4) Refreshing the HCM core system to make it more program design.
Implementing 360 degree robust and in accordance with international standards, 7) Employee engagement activities will be carried
employee assessments to support more effective and efficient human resource out quarterly for one year, routine community
gradually and periodically management. programs for sports and hobbies, as well as
as the basis for employee 5) Implementing 360-degree assessments for employees recognition of employees’ length of service.
development plans. periodically as a basis for career development
6) Implementing competency- planning and improving individual performance.
554 based employee development
as a follow-up to the
6) Ensuring that every employee has the competencies
needed in their work, while supporting self-
implementation of assessment development and career, and ensuring the long-term
activities and fulfillment of sustainability of the Company.
Ikhtisar Kinerja
organizational needs. 7) Improving employee engagement so that they have
2024 7) Implementing routine work life a high sense of attachment to the Company and are
balance program. motivated to provide the best contribution in achieving
Laporan Company goals.
Manajemen 1) Pelatihan dan edukasi kepada 1) Meningkatkan edukasi kepada masyarakat untuk 1) Bank Sinarmas menyelenggarakan edukasi
masyarakat dalam hal kapasitas, membentuk masyarakat yang berkualitas dan untuk membentuk masyarakat yang berkualitas
keahlian, dan kesejahteraan. berkompeten. Revitalisasi rooftop baca TBM Lentera dan kompeten.
Profil Perusahaan 2) Diseminasi Aplikasi Olah Limbah Pustaka agar dapat memberikan kenyamanan bagi 2) Bank Sinarmas mengembangkan Program
Peternakan dan Sampah anak-anak dalam membaca dan mendukung aktivitas/ Desa Binaan ini dengan melaksanakan
Analisis dan Organik Basis Teknologi event bulanan yang telah dilakukan secara rutin. Ini Program Pemanfaatan Limbah Peternakan Sapi
Konsorsium MOL Biotaro untuk juga merupakan wujud komitmen Bank terhadap Taro dan Pemberdayaan Model Pengolahan
Pembahasan
Pangan Sehat di Kabupaten peningkatan minat baca anak dan budaya literasi Sampah Organik di Desa Taro, Bali.
Manajemen
Gianyar, Bali. masyarakat.
2) Melakukan diseminasi aplikasi olah limbah
Tinjauan peternakan dan sampah organik menggunakan
Pendukung Bisnis teknologi konsorsium MOL Biotaro dan membangun
ekonomi sirkular untuk pertanian pangan sehat.
Hal ini dilakukan dengan melibatkan peran aktif
Tata Kelola masyarakat dalam ekonomi sirkular melalui kegiatan
Perusahaan pemberdayaan untuk membangun ketahanan pangan
sehat yang ramah lingkungan, melalui optimalisasi
sumber daya yang ada.
LAPORAN
KEBERLANJUTAN
1) Training and education for the 1) Improving community education to form a quality and 1) Bank Sinarmas organizes education program
community in terms of capacity, competent society. Revitalizing the rooftop reading to shape a quality and competent society.
skills, and welfare. area of Community Reading Park (Taman Bacaan 2) Bank Sinarmas develops this Foster Village
2) Dissemination of Applications Masyarakat/TBM) Lentera Pustaka to provide comfort Program by implementing the Utilization of Taro
for Livestock Waste and Organic for children in reading and support monthly activities/ Cattle Farm Waste Program and Empowerment
Waste Processing Based events that have been carried out routinely. This is also of Organic Waste Processing Models in Taro
on MOL Biotaro Consortium a manifestation of the Bank's commitment to increasing Village, Bali.
Technology for Healthy Food in children's interest in reading and the community's
Gianyar Regency, Bali. literacy culture.
2) Disseminating livestock waste and organic waste
processing applications using MOL Biotaro consortium
technology and building a circular economy for healthy
food agriculture. This is done by involving the active
role of the community in the circular economy through
empowerment activities to build environmentally
friendly healthy food security, through optimization of
existing resources.
Membeli obligasi pemerintah Turut berkontribusi terhadap pengembangan dan Bank berhasil membeli obligasi pemerintah
green/keuangan berkelanjutan. penyaluran dana untuk ekonomi hijau maupun keuangan green/keuangan berkelanjutan baik SBN maupun
inklusif. SBSN.
Purchasing government’s green Contribute to the development and distribution of funds The Bank successfully purchased government’s
bonds/sustainable finance for the green economy and inclusive finance. green bonds/sustainable finance instruments,
instruments. both SBN and SBSN.
Pembukaan RDN digital secara Mendukung aktivitas perbankan yang less Meningkatnya pembukaan RDN digital secara
penuh atau online paper sehingga dapat mengurangi limbah kertas. penuh atau online.
Opening digital Customer Fund Promoting less paper banking activities to reduce paper Increased opening of digital Customer Fund
Accounts (RDN) in full or online waste. Accounts in full or online.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 557
Uraian Aktivitas Tujuan Aktivitas Indikator Keberhasilan
Activity Description Activity Objectives Success Indicators
1) Penyaluran KPR. 1) Meningkatkan portofolio kredit dan menyediakan 1) Tercapainya disburse KPR NoA dan
2) Kerja sama dengan pihak ketiga fasilitas kredit agar konsumen dapat membeli rumah tercapainya disburse KPR secara baki debet/
(P2P Lending, E-Commerce, secara kredit. OS.
Agent Property, Developer). 2) Mempercepat proses akuisisi dan mempermudah 2) Menjalin kerja sama dengan 10 partner.
nasabah untuk mendapatkan akses fasilitas kredit
yang diberikan oleh bank.
1) Mortgage Distribution. 1) Increasing credit portfolio and providing credit 1) Achieving NoA (Number of Account) Mortgage
2) Collaboration with third parties facilities, so that consumers can afford buy houses on disbursement and Mortgage disbursement on
(P2P Lending, E-Commerce, credit. debit balance/OS.
Property Agent, Developer). 2) Accelerating the acquisition process and providing 2) Establishing cooperation with 10 partners.
customers with easy access credit facilities offered by
the Bank.
1) Pembukaan rekening Reksa Mendukung aktivitas perbankan yang less paper 1) Meningkatnya Pembukaan Rekening Reksa
Dana digital secara penuh atau sehingga dapat mengurangi limbah kertas. Dana digital secara penuh atau online.
online. 2) Meningkatnya volume transaksi, AUM dan FBI
2) Transaksi Reksa Dana digital Reksa Dana.
secara penuh atau online.
1) Opening of digital Mutual Fund
account in full or online.
Promoting less paper banking activities to reduce paper
waste.
1) Increased opening of digital mutual fund
accounts in full or online.
555
2) Transactions of digital Mutual 2) Increased transaction volume, AUM and FBI of
Fund in full or online. mutual funds. 2024
Performance
Highlights
Realisasi Pembiayaan Keuangan Berkelanjutan Realization of Sustainable Business Activity
[OJK F.3] Financing [OJK F.3] Management
Sepanjang tahun 2024, realisasi penyaluran kredit kepada In 2024, the realization of credit disbursement to the Report
Kategori Kegiatan Usaha Berkelanjutan (KKUB) mencapai Sustainable Business Activity Category (KKUB) reached
Rp1,80 triliun. Penjelasannya dapat dilihat pada penjelasan Rp1.80 trillion. The explanation can be seen as follows: Company
berikut: Profile
*dalam jutaan Rupiah, kecuali dinyatakan lain
*in millions of Rupiah, unless otherwise stated Management
Discussion and
Uraian Analysis
2024 2023 2022
Description
Jumlah Produk yang Memenuhi Kriteria Kegiatan Usaha Berkelanjutan
Total products that meet the criteria for sustainable business activities Business
Support
a. Penghimpunan Dana 1.976.924 2.112.628 1.187.866
Overview
Fund Raising
b. Penyaluran Dana 1.797.047 2.390.568 2.372.966
Fund Distribution Corporate
Governance
Jumlah Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
a. Jumlah Kredit/Pembiayaan Kegiatan Usaha 1.797.047 2.390.568 2.372.976 SUSTAINABILITY
Berkelanjutan REPORT
Total Credit/Financing of Sustainable
Business Activities
b. Jumlah Non-Kredit/Pembiayaan Non- 9.419.958 14.907.092 13.420.826
Kegiatan Usaha Berkelanjutan
Total Non-Credit/Financing of Sustainable
Business Activities
Persentase Jumlah Kredit/Pembiayaan Kegiatan 16,07 13,82 14,93
Usaha berkelanjutan terhadap Jumlah Kredit/
Pembiayaan Bank (%)
Percentage of Total Credit/Financing of
Sustainable Business Activities to Total Bank’s
Credit/Financing (%)
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 558
Uraian
2024 2023 2022
Description
Nilai ( jutaan NPL (%) Nilai ( jutaan NPL (%) Nilai ( jutaan NPL (%)
Rupiah) Rupiah) Rupiah)
Value Value Value
(millions of (millions of (millions of
Rupiah) Rupiah) Rupiah)
Energi Terbarukan - - - - - -
Renewable Energy
Transportasi Ramah Lingkungan 4.198 0 3.489 0,00
Environmentally Friendly Transportation
Produk yang Dapat Mengurangi Penggunaan 946 4,59 1.017 2,86 11,36 2,20
Sumber Daya dan Menghasilkan Lebih Sedikit
Polusi
Products That Can Reduce Resource Utilization
and Generate Less Pollution
Bangunan Berwawasan Lingkungan yang 269.791 0 506.500 0,00
Memenuhi Standar atau Sertifikasi yang Diakui
556 Secara Nasional, Regional, atau Internasional.
Environmentally Friendly Buildings that Meet
Nationally, Regionally, or Internationally
Recognized Standards or Certifications
Ikhtisar Kinerja
2024 Kegiatan UMKM 1.522.112 1,79 1.879.562 2,01 2.372.965 1,52
MSME Activities
Laporan
Manajemen PRIORITAS DUKUNGAN TERHADAP PRIORITY SUPPORT FOR SUSTAINABLE
TUJUAN PEMBANGUNAN DEVELOPMENT GOALS
Profil Perusahaan BERKELANJUTAN
Bank Sinarmas telah melakukan pemetaan dukungan Bank Sinarmas has mapped its support for the Sustainable
Analisis dan
pada TPB berdasarkan prioritas kegiatan RAKB 2024 serta Development Goals (SDGs) based on the priority activities
Pembahasan
Manajemen pelaksanaan program sosial dan lingkungan sebagai berikut: outlined in the 2024 Sustainable Finance Action Plan (RAKB),
as well as the implementation of social and environmental
Tinjauan programs, as follows:
Pendukung Bisnis
Target Realisasi
Tata Kelola Realization
Perusahaan
• Bank Sinarmas meluncurkan Tabungan SIMPEL (SIMpenan PELajar) untuk 20 anak pembaca aktif TBM Lentera Pustaka di
Bogor pada tanggal 18 Februari 2024.
LAPORAN • Bank Sinarmas bersinergi dengan TBM Lentera Pustaka mengadakan Festival Literasi Gunung Salak #7 di, Bogor, Jawa Barat.
KEBERLANJUTAN • Peresmian kanopi rooftop baca, penyerahan tas sekolah Tzu Chi, donasi 5 perangkat komputer literasi digital, dan peluncuran
motor baca SIMOBI
• Penyelenggaraan 15 program literasi keuangan bekerja sama dengan berbagai pihak
• Bank Sinarmas launched SIMPEL Savings (SIMpenan PELajar) for 20 active children of TBM Lentera Pustaka readers in Bogor
on February 18, 2024.
• Bank Sinarmas in synergy with TBM Lentera Pustaka held the Gunung Salak Literacy Festival #7 in Bogor, West Java.
• Inauguration of the rooftop reading canopy, handover of Tzu Chi school bags, donation of 5 digital literacy computer devices,
and launch of the SIMOBI reading motorbike
• Implementation of 15 financial literacy programs in collaboration with various parties
• Sepanjang tahun 2024, Bank Sinarmas telah merekrut 1.375 karyawan baru. Proses rekrutmen dijalankan secara profesional
dan tanpa diskriminasi, dimana seluruh kandidat karyawan dievaluasi dan dinilai berdasarkan kompetensi dan pengalaman
yang relevan
• Per tanggal 31 Desember 2024, komposisi karyawan wanita di Bank adalah sebesar 50,7 %.
• Kebijakan remunerasi mematuhi seluruh ketentuan perundang-undangan yang berlaku, termasuk standar upah minimum yang
ditetapkan oleh pemerintah.
• Memberikan 413.595,07 jam pelatihan dengan rata-rata 100,02 jam pelatihan per karyawan pada 2024.
• In 2024, Bank Sinarmas recruited 1,375 new employees. The recruitment process was conducted professionally and without
discrimination, where all employee candidates are evaluated and assessed based on relevant competencies and experience
• As of December 31, 2024, the composition of female employees at the Bank was 50.7%.
• The remuneration policy complies with all applicable laws and regulations, including the minimum wage standards set by the
government.
• Providing 413,595.07 hours of training with an average of 100.02 hours of training per employee in 2024.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 559
Target Realisasi
Realization
• Pengaturan pemakaian pendingin ruangan dan lampu, serta penggunaan lampu Light Emitting Diode (LED) di beberapa
wilayah operasional.
• Penggunaan sumber energi terbarukan yang berasal dari panel surya di Kantor Cabang Klampis dan Diponegoro.
• Penggunaan motor listrik sebagai pengganti kendaraan berbahan bakar fosil dalam kegiatan operasional di beberapa kantor
cabang.
• Pelaksanaan rapat atau pertemuan secara daring sehingga mengurangi penggunaan kendaraan operasional kantor.
• Penyediaan ruang terbuka hijau di sekitar wilayah kantor.
• Sosialisasi penerapan konsep paperless dalam kegiatan operasional untuk mengurangi penggunaan kertas.
• Program Diseminasi Aplikasi Olah Limbah Peternakan dan Sampah Organik Basis Teknologi Konsorsium MOL Biotaro untuk
Pangan Sehat di Kabupaten Gianyar, Bali
• Penanaman Bibit Bambu di Area sekitar Pabrik Tjiwi Kimia oleh Bank Sinarmas KC Mojokerto
• Managing air conditioning and lighting utilization, as well as the use of Light Emitting Diode (LED) lamps in several operational
areas.
• Utilizing renewable energy sources from solar panels at the Klampis and Diponegoro Branch Offices.
• Utilizing electric motorcycles as a substitute for fossil fuel vehicles in operational activities at several branch offices.
• Implementing online meetings or gatherings to reduce the use of office operational vehicles.
• Providing green open spaces around office areas.
• Socialization of the application of the paperless concept in operational activities to reduce paper usage.
• Dissemination Program for Applications for Processing Livestock Waste and Organic Waste Based on MOL Biotaro Consortium
Technology for Healthy Food in Gianyar Regency, Bali 557
• Planting of Bamboo Seedlings in the Area around the Tjiwi Kimia Factory by Bank Sinarmas KC Mojokerto
• Memenuhi indikator kepatuhan, yaitu Kewajiban Penyediaan Modal Minimum (KPMM), Non-Performing Loan (NPL) Net, Batas 2024
Maksimum Pemberian Kredit (BMPK), dan Rasio Performance
• Pembiayaan Inklusif Makroprudensial (RPIM); serta Seluruh pekerja telah menandatangani Pakta Integritas dan Kode Etik. Highlights
• Realisasi penyaluran kredit kepada Kategori Kegiatan Usaha Berkelanjutan (KKUB) pada 2024 mencapai Rp1,80 triliun
• Fulfilling compliance indicators, namely Minimum Capital Adequacy Requirement (CAR), Net Non-Performing Loan (NPL), Legal Management
Limit Lending (BMPK), and Macroprudential Inclusive Financing Ratio (RPIM); and Report
• All employees have signed the Integrity Pact and Code of Ethics.
• Realization of credit disbursement to the Sustainable Business Activity Category (KKUB) in 2024 reached Rp1.80 trillion.
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
Corporate
Governance
SUSTAINABILITY
REPORT
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 560
MENGELOLA KEBERLANJUTAN
Managing Sustainability
558
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung Bisnis
Tata Kelola PENANGGUNG JAWAB PENERAPAN PERSON IN CHARGE OF SUSTAINABLE
Perusahaan
KEUANGAN BERKELANJUTAN [OJK E.1][GRI 2-9] FINANCE IMPLEMENTATION [OJK E.1][GRI 2-9][GRI
[GRI 2-12][GRI 2-13][GRI 2-14] 2-12][GRI 2-13][GRI 2-14]
LAPORAN
KEBERLANJUTAN Bank telah menunjuk Compliance Group untuk mengawasi The Bank has appointed a Compliance Group to oversee
pelaksanaan kebijakan keuangan berkelanjutan yang the implementation of sustainable finance policies, and it
bertanggung jawab langsung kepada Direksi. Tim reports directly to the Board of Directors. The Compliance
Compliance bekerja sama dengan unit-unit terkait dalam team collaborates closely with relevant units on operational
kegiatan operasional dan menerapkan praktik tata activities and sustainable governance practices. Meanwhile,
kelola keberlanjutan. Sedangkan Direksi memiliki peran the Board of Directors is responsible for overseeing the
dalam mengawasi pelaksanaan keuangan berkelanjutan, implementation of sustainable finance, as well as the
mengawasi penyusunan Laporan Keberlanjutan dan preparation and approval of the Sustainability Report.
memberikan persetujuan terhadap laporan tersebut.
Selain itu, Bank juga telah memiliki kebijakan induk yang In addition, the Bank has a parent policy that governs the
mengatur tentang penerapan keuangan berkelanjutan. implementation of sustainable finance. The implementation
Adapun pelaksanaannya didelegasikan ke seluruh unit is delegated to all internal work units. The Bank strives to
kerja di lingkungan organisasi internal. Bank berupaya untuk ensure that sustainable finance principles are embedded
memastikan bahwa prinsip-prinsip keuangan berkelanjutan and applied across all aspects of the business.
dapat terus melekat dan diterapkan pada semua aspek
usaha.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 561
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT IN
KEUANGAN BERKELANJUTAN [OJK E.2][GRI 2-17] SUSTAINABLE FINANCE [OJK E.2][GRI 2-17]
Dalam menghadapi perkembangan pengetahuan, standar, Bank Sinarmas provides competency development to
dan regulasi terkait keuangan berkelanjutan, Bank Sinarmas employees at all levels in response to the development of
memberikan pengembangan kompetensi kepada berbagai knowledge, standards, and regulations related to sustainable
tingkatan jabatan. Pengembangan kompetensi ini berada di finance. The Human Capital Management Group Division is
bawah tanggung jawab Divisi Human Capital Management in charge of this competency development, which is done
Group dan menggunakan metode e-learning dan in-class. through e-learning and in-person classes.
Selain itu, Bank juga menjalin kerja sama dengan pihak
eksternal untuk menyelenggarakan pelatihan dan webinar Furthermore, the Bank collaborates with external parties to
terkait keuangan berkelanjutan. Adapun total biaya yang organize sustainable finance training and webinars. The total
dikeluarkan untuk pengembangan kompetensi keberlanjutan cost for sustainability competency development in 2024 was
pada 2024 mencapai Rp12.935.000 yang diikuti sebanyak Rp12,935,000, with 1,219 employees participating.
1.219 karyawan.
Pengembangan Kompetensi Keberlanjutan 2024
559
Sustainability Competency Development in 2024
2024
Jumlah Jam Performance
Materi Peserta Pelatihan Peserta Highlights
Material Number of Training Participant
Participants Hours
Carbon Trading and Its Effect on Indonesia Economy 2 3 4-SectHead / 5-Staff Management
Report
Corporate ESG And Sustainability - 101 Level Masterclass 1 4,5 4-SectHead
Customer Centricity - The Cornerstone of Sustainable Business Growth 1 9 0-BOC & BOD
Company
ESG & Sustainability: ESG Corporate Masterclass 1 4,5 3-DeptHead Profile
ESG 2.0: Understanding Sustainable Development Goals (SDGS) 1 3 2-DivHead
ESG Mastery: Complete Corporate Sustainability 1 1,4 4-SectHead Management
3-DeptHead / Discussion and
Fundamentals of ESG and Sustainable Finance for 2024 4 3 Analysis
4-SectHead
Global Sustainable Finance Landscape 1 3 3-DeptHead
How Sustainability Is Changing the Financial Sector 1 5 3-DeptHead Business
Support
3-DeptHead / Overview
How To Prevent Greenwashing in Sustainable Finance 118 3
4-SectHead / 5-Staff
Membangun Kepemimpinan Berbasis Spiritual: Pendekatan Holistik Untuk Pertumbuhan
dan Keberlanjutan Bisnis 4 3 3-DeptHead / 5-Staff Corporate
Building Spiritual Leadership: A Holistic Approach to Business Growth and Sustainability Governance
0-BOC & BOD /
Open Class: Pemahaman Sustainability dan Peraturan Ojk Tentang Keuangan
1-GroupHead /
Berkelanjutan 278 3 SUSTAINABILITY
2-DivHead / 3-DeptHead
Open Class: Understanding Sustainability and OJK Regulation on Sustainable Finance REPORT
/ 4-SectHead / 5-Staff
Pendekatan Holistik Untuk Pertumbuhan dan Keberlanjutan Bisnis
1 3 5-Staff
A Holistic Approach to Business Growth and Sustainability
Peran Taksonomi Untuk Keuangan Berlanjutan Indonesia (tkbi) Dalam Mendorong
Transisi Energi Menuju Net Zero Emission Indonesia 2-DivHead / 3-DeptHead
42 3
The Role of Taxonomy for Indonesian Sustainable Finance (TKBI) in Driving the Energy / 4-SectHead / 5-Staff
Transition Towards Net Zero Emission in Indonesia
Setting Your Sail on The Indonesia Carbon Trading Ecosystem Oleh Bursa Efek
Indonesia
2 2 4-SectHead
Setting Your Sail on The Indonesia Carbon Trading Ecosystem by Indonesia Stock
Exchange
Sosialisasi POJK Nomor 18 Tahun 2023 Tentang Penerbitan dan Persyaratan Efek
Bersifat Utang dan Sukuk Berlandaskan Keberlanjutan 3-DeptHead /
2 3
Socialization of POJK Number 18 of 2023 concerning the Issuance and Requirements 4-SectHead
of Debt Securities and Sukuk Based on Sustainability
Sustainability and Corporate ESG | Practical Implementation 1 4,5 4-SectHead
Sustainable Supply Chains 3: Procurement Strategies 1 1,5 2-DivHead
2-DivHead / 3-DeptHead
Sustainable Worklife Greenify Your Hustle 648 2
/ 4-SectHead / 5-Staff
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 562
Jumlah Jam
Materi Peserta Pelatihan Peserta
Material Number of Training Participant
Participants Hours
Sustainable, Green and Climate Finance 1 1 4-SectHead
Taksonomi Untuk Keuangan Berkelanjutan Indonesia (TKBI)
3 8,5 3-DeptHead / 5-Staff
Taxonomy for Indonesian Sustainable Finance (TKBI)
Taksonomi Untuk Keuangan Berkelanjutan Indonesia (TKBI) Dalam Mendorong Transisi
Energi Menuju Net Zero Emission Indonesia 2-DivHead / 3-DeptHead
99 3
Taxonomy for Indonesian Sustainable Finance (TKBI) in Driving the Energy Transition / 4-SectHead / 5-Staff
Towards Net Zero Emission in Indonesia
The 1st OJK International Research Forum 2023: Save The Planet - The Role of
1 3 3-DeptHead
Financial Sector to Support Carbon Reduction and Electric Vehicles Development
Understanding & Managing Carbon Accounting: A Masterclass 1 1,5 4-SectHead
3-DeptHead /
Webinar Carbon Trading & It's Effect on Indonesia's Economy 4 2,75
4-SectHead
Total 1.219 84,15
560
Ikhtisar Kinerja
PENILAIAN RISIKO ATAS PENERAPAN RISK ASSESSMENT FOR THE
2024 KEUANGAN BERKELANJUTAN [OJK E.3][GRI 2-25] IMPLEMENTATION OF SUSTAINABLE
FINANCE [OJK E.3][GRI 2-25]
Laporan Bank Sinarmas menyadari adanya potensi risiko dalam Bank Sinarmas realizes the potential risks in the
Manajemen penerapan keuangan berkelanjutan. Oleh karena itu, Bank implementation of sustainable finance. Therefore, the Bank
menerapkan sejumlah inisiatif untuk memitigasi risiko-risiko implements a number of initiatives to mitigate risks related to
Profil Perusahaan terkait penerapan keuangan berkelanjutan, sebagai berikut: the implementation of sustainable finance, as follows:
1. Bank telah memiliki Kebijakan Keuangan Berkelanjutan 1. The Bank has established a Sustainable Financed Policy
Analisis dan
sebagai panduan untuk pengembangan keuangan as a guideline for sustainable financial development
Pembahasan
Manajemen berkelanjutan yang sesuai dengan regulasi. Kebijakan ini in accordance with regulations. This policy has been
telah disetujui oleh Dewan Komisaris dan Direksi Bank. approved by the Board of Commissioners and the Board
Tinjauan Secara berkala, Bank akan melakukan evaluasi dan of Directors of the Bank. The Bank will periodically
Pendukung Bisnis pengkinian kebijakan internal agar tetap selaras dengan conduct evaluations and updates of internal policies to
kebijakan regulator. ensure they comply with regulatory policies.
Tata Kelola 2. Melakukan proses penyaringan awal (prescreening) 2. Conducting pre-screening processes on loan
Perusahaan
pada permohonan pinjaman, peningkatan portofolio applications, financing portfolio enhancements, and
pembiayaan, dan investasi untuk memastikan sesuai investments to ensure compliance with risk criteria and
LAPORAN
KEBERLANJUTAN dengan kriteria risiko dan dampaknya terhadap their environmental impact.
lingkungan.
3. Melakukan telaah ulang atas kebijakan internal terhadap 3. Reviewing internal policies on ongoing processes and
proses dan aktivitas yang sedang berjalan. activities.
4. Menetapkan strategi implementasi keuangan 4. Establishing a sustainable finance implementation
berkelanjutan, khususnya pada sektor yang menjadi strategy, particularly in sectors that are the focus and
fokus dan potensial dalam mendukung keuangan potential in supporting sustainable finance, developing
berkelanjutan, pengembangan kapasitas internal the internal capacity of Financial Services Institutions
Lembaga Jasa Keuangan (LJK) dalam kelompok usaha (LJK) within the Sinar Mas business group, including
Sinar Mas, termasuk penyesuaian organisasi, serta organizational adjustment and risk management to
manajemen risiko untuk mendukung program literasi support financial literacy and financial inclusion programs.
keuangan dan inklusi keuangan.
5. Menerapkan prinsip-prinsip keuangan berkelanjutan 5. Implementing sustainable finance principles through
melalui pengelolaan risiko ekonomi, sosial, dan managing economic, social, and environmental risks.
lingkungan hidup.
6. Melakukan telaah berkala serta meninjau efektivitasnya 6. Regularly reviewing and assessing their effectiveness to
agar memberikan manfaat, tidak hanya pada kinerja provide benefits, not only to the Bank’s performance but
Bank, tetapi juga pada perekonomian serta lingkungan also to the economy and the social and environmental
sosial dan lingkungan hidup secara umum. aspects in general.
Adapun informasi terkait profil dan mitigasi risiko Bank Please refer to the Corporate Governance chapter in the
Sinarmas dapat mengacu pada bab Tata Kelola Perusahaan Annual Report for information related to Bank Sinarmas’ risk
di Laporan Tahunan. profile and mitigation.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 563
ANTI-KORUPSI, ANTI-FRAUD, ANTI- ANTI-CORRUPTION, ANTI-FRAUD, ANTI-
PENCUCIAN UANG DAN PENCEGAHAN MONEY LAUNDERING, AND COMBATING
PENDANAAN TERORISME [GRI 205-2] THE FINANCING OF TERRORISM [GRI 205-2]
Bank memiliki komitmen untuk mencegah tindakan korupsi The Bank is committed to preventing corruption both
di lingkup internal maupun eksternal yang berhubungan internally and externally related to its operations. The
dengan Bank. Bank telah menerapkan prinsip-prinsip anti- Bank has implemented anti-corruption principles outlined
korupsi yang dituangkan dalam pasal-pasal pada Peraturan in the Company Regulations, Code of Ethics, and Code
Perusahaan, Kode Etik, dan Pedoman Tingkah Laku. Bank of Conduct. The Bank has internal anti-bribery provisions
telah memiliki ketentuan internal terkait anti penyuapan yang that are governed by Decree No. SK.039/2021/Dir1-Comp
diatur pada Surat Keputusan No. SK.039/2021/Dir1-Comp on the Standard Operating Procedures for Anti-bribery
tentang SOP Sistem Manajemen Anti Penyuapan. Management Systems.
SOP Sistem Manajemen Anti Penyuapan ini merupakan This SOP for the Anti-Bribery Management System is a
bentuk pernyataan prinsip dan komitmen Bank Sinarmas statement of principles and Bank Sinarmas’ commitment
dalam mendukung praktik anti-suap di lingkungan Bank to promoting anti-bribery practices within the bank.
Sinarmas. Selain itu, SOP Sistem Manajemen Anti Penyuapan
berfungsi sebagai informasi atau panduan oleh Manajemen,
Furthermore, the SOP of the Anti-Bribery Management
System provides information or guidance to management,
561
karyawan, dan/atau pihak-pihak yang bekerja untuk dan atas employees, and/or parties working for and on behalf of Bank
2024
nama Bank Sinarmas tentang cara mengenali, memahami, Sinarmas on how to recognize, understand, communicate, Performance
menyampaikan, dan menangani masalah suap. and deal with bribery issues. Highlights
Kebijakan Anti-Fraud Bank merupakan landasan pokok The Bank’s Anti-Fraud Policy serves as the main foundation Management
penerapan strategi Anti-fraud melalui 4 pilar sistem for implementing the anti-fraud strategy through four pillars Report
pengendalian fraud, yaitu Pencegahan Fraud, Deteksi of the fraud control system: fraud prevention, detection,
Fraud, Investigasi, Pelaporan dan Pengenaan Sanksi Fraud, investigation, fraud reporting and sanctioning, monitoring, Company
Pemantauan, Evaluasi, serta Tindak Lanjut Fraud. Kerangka evaluation, and fraud follow-up. Bank Sinarmas’ Anti-Fraud Profile
kerja Anti-Fraud Bank Sinarmas dibangun berlandaskan Framework is founded on corporate governance, with
tata kelola perusahaan (corporate governance) dengan implementation centered on fraud control, an ethical culture
Management
penerapan yang berfokus pada pengendalian fraud, budaya supported by a code of conduct, anti-fraud culture and Discussion and
etika yang didukung dengan kode etik (code of conduct), awareness, and a whistleblowing system. Analysis
anti-fraud culture & awareness, serta whistleblowing system.
Business
Dalam menanamkan budaya sadar risiko (risk culture) dan The Bank has made a variety of efforts to instill risk culture Support
kepedulian anti-fraud di seluruh lapisan organisasi, Bank and anti-fraud awareness at all levels of the organization, Overview
melakukan berbagai upaya seperti Sosialisasi Tatap Muka, including face-to-face socialization, anti-fraud declaration
Pengisian Deklarasi Anti- Fraud, dan Pakta Integritas melalui filling, and the Integrity Pact through the SIDILAN application, Corporate
aplikasi SIDILAN serta Sosialisasi melalui e-mail, media as well as socialization via e-mail, social media, News Lens, Governance
sosial, Lensa Berita, Kamis Sharing, Podcast, E-Learning Thursday Sharing, Podcast, E-Learning Video Scorm, Bank
Video Scorm, artikel situs web Bank Sinarmas, ATM Idle Sinarmas website articles, ATM idle screen, AD Desktop, and SUSTAINABILITY
Screen, AD Desktop, dan metode lainnya. Adapun selama other methods. There were no corruption cases involving REPORT
tahun 2024, Bank Sinarmas memiliki/tidak memiliki kasus employees or partners at Bank Sinarmas in 2024.
korupsi yang melibatkan karyawan dan mitra kerja.
Bank juga berkomitmen dalam menerapkan program The Bank is also committed to implementing the Anti-Money
Anti-Pencucian Uang (APU) dan Pencegahan Pendanaan Laundering (AML) and Countering the Financing of Terrorism
Terorisme (PPT) sebagaimana diatur dalam perundang- (PPT) program as stipulated in the applicable legislation by
undangan yang berlaku dengan melakukan upaya carrying out prevention, monitoring, detection, and reporting
pencegahan, pemantauan, pendeteksian, serta pelaporan efforts related to AML & PPT. The AML & PPT commitments
terkait APU & PPT. Adapun komitmen dan kebijakan and policies can be downloaded on our Company website
APU & PPT dapat diunduh di website Perusahaan kami via the following link https://www.banksinarmas.com/id/
melalui tautan berikut https://www.banksinarmas.com/id/ informasiumum/tatakelola/apu-ppt-bank-sinarmas/
informasiumum/tatakelola/apu-ppt-bank-sinarmas/
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 564
TANTANGAN DAN PERMASALAHAN CHALLENGES AND ISSUES IN
DALAM PENERAPAN KEUANGAN SUSTAINABLE FINANCE IMPLEMENTATION
BERKELANJUTAN [OJK E.5]
[OJK E.5]
Dalam perjalanan menuju penerapan keuangan In the journey towards implementing sustainable finance,
berkelanjutan, Bank Sinarmas berkomitmen untuk Bank Sinarmas is committed to balancing business growth
menyeimbangkan pertumbuhan bisnis dengan tanggung with environmental and social responsibility. However, the
jawab lingkungan dan sosial. Namun, penerapan keuangan implementation of sustainable finance is faced with various
berkelanjutan dihadapkan pada berbagai tantangan yang complex challenges, both in terms of regulations, costs,
kompleks, baik dari segi regulasi, biaya, hingga pemahaman and limited public understanding. The following are several
publik yang masih terbatas. Berikut adalah beberapa challenges in the implementation of sustainable finance:
tantangan dalam penerapan keuangan berkelanjutan: 1. Infrastructure and Technology Development
1. Perkembangan Infrastruktur dan Teknologi Sustainable finance often requires cutting-edge
Keuangan berkelanjutan sering memerlukan teknologi technology, especially in carbon emission tracking
mutakhir, terutama dalam sistem pelacakan emisi systems and climate risk analysis. Bank Sinarmas may
562 karbon dan analisis risiko iklim. Bank Sinarmas mungkin
menghadapi tantangan dalam investasi teknologi hijau
face challenges in investing in these green technologies,
especially if there is no infrastructure or system that
Ikhtisar Kinerja
ini, terutama jika belum ada infrastruktur atau sistem supports the implementation of sustainable finance
2024 yang mendukung pelaksanaan keuangan berkelanjutan optimally.
secara optimal.
Laporan
Manajemen 2. Tantangan Regulasi, Kepatuhan, dan Standar Global 2. Global Regulatory, Compliance, and Standards
Regulasi dan standar mengenai keuangan berkelanjutan Challenges
Profil Perusahaan terus berkembang serta memiliki kriteria yang dapat Regulations and standards regarding sustainable finance
berubah. Hal ini memerlukan penyesuaian bagi are constantly evolving and have criteria that may
Analisis dan
Bank Sinarmas agar proses dan produk keuangan change. It requires adjustments for Bank Sinarmas so
Pembahasan
Manajemen berkelanjutan dapat sejalan dengan regulasi dan standar that sustainable finance processes and products can be
yang terbaru. in line with the latest regulations and standards.
Tinjauan
Pendukung Bisnis
3. Tantangan untuk Meningkatkan Pemahaman dan 3. Challenges to Increase Public Understanding and
Kesadaran Publik Awareness
Tata Kelola Keuangan berkelanjutan masih merupakan konsep Sustainable finance is still a relatively new concept for
Perusahaan
yang relatif baru bagi sebagian nasabah dan publik di some customers and the public in Indonesia. Many
Indonesia. Banyak nasabah yang belum sepenuhnya customers do not fully understand the benefits of
LAPORAN
KEBERLANJUTAN memahami manfaat dari produk keuangan berkelanjutan sustainable finance products or perceive investments
atau menganggap investasi dalam keuangan in sustainable finance as riskier. Public education is
berkelanjutan lebih berisiko. Edukasi publik menjadi important, but this requires significant resources and
penting, namun ini membutuhkan sumber daya dan time.
waktu yang tidak sedikit.
4. Biaya Implementasi yang Tinggi 4. High Cost of Implementation
Program keuangan berkelanjutan memerlukan biaya Sustainable finance programs require high investment
investasi yang tinggi seperti investasi pada proyek hijau, costs, such as investing in green projects, developing
pengembangan portofolio ramah lingkungan, hingga environmentally friendly portfolios, and training human
pelatihan sumber daya manusia untuk memahami resources to understand Environmental, Social, and
Environmental, Social, Governance (ESG). Governance (ESG).
Dengan mengidentifikasi dan memahami tantangan ini, By identifying and understanding these challenges, Bank
Bank Sinarmas dapat merancang strategi yang lebih efektif Sinarmas can design more effective strategies for achieving
dalam mencapai keberlanjutan, memastikan bahwa seluruh sustainability, ensuring that all initiatives not only provide
inisiatif tidak hanya memberikan nilai tambah bagi nasabah, added value for customers but also support environmentally
tetapi juga mendukung pembangunan yang berwawasan and socially sound development in Indonesia.
lingkungan dan sosial di Indonesia.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 565
KEPATUHAN TERHADAP HUKUM DAN COMPLIANCE WITH LAWS AND
PERATURAN [GRI 2-27] REGULATIONS [GRI 2-27]
Selama tahun 2024, Bank tidak memiliki permasalahan During 2024, the Bank had no legal issues related to social
hukum yang berdampak pada kerugian finansial terkait and environmental issues that resulted in financial losses.
isu sosial dan lingkungan. Bank terus berupaya mengikuti The Bank continues to comply with all applicable regulations
seluruh peraturan yang berlaku dan mengadopsi peraturan- and adopt updated regulations.
peraturan yang telah diperbarui.
MENINGKATKAN BUDAYA ENHANCING SUSTAINABILITY CULTURE
KEBERLANJUTAN [OJK F.1] [OJK F.1]
Bank Sinarmas memiliki komitmen yang kuat dalam Bank Sinarmas has a strong commitment to internalizing
menginternalisasi budaya keberlanjutan ke dalam setiap sustainability culture into every level of the organization, as
level organisasi, serta menjadikannya sebagai bagian dari well as making it part of the Company’s identity and values.
identitas dan nilai perusahaan. Melalui budaya keberlanjutan Through this sustainability culture, Bank Sinarmas strives
ini, Bank Sinarmas berupaya membangun kesadaran kolektif to build collective awareness on the importance of social
mengenai pentingnya tanggung jawab sosial dan lingkungan,
serta mengintegrasikan prinsip-prinsip keberlanjutan dalam
and environmental responsibility, as well as to integrate
sustainability principles in all business processes.
563
seluruh proses bisnis.
2024
Performance
Human Capital Management Group secara aktif melakukan The Human Capital Management Group actively conducts Highlights
sosialisasi dan edukasi kepada seluruh karyawan dengan socialization and education for all employees by utilizing
memanfaatkan berbagai sarana yang tersedia, seperti various available means, such as budget provision, Management
penyediaan anggaran, platform e-learning, serta platform e-learning platforms, and virtual platforms such as Zoom. Report
virtual seperti, Zoom. Di sisi normatif, Bank meningkatkan On the normative side, the Bank enhances accountability
akuntabilitas dalam semua fungsi organisasi melalui in all organizational functions through the formulation and Company
perumusan dan penerapan strategi kepatuhan, anti-fraud, implementation of compliance, anti-fraud, risk awareness, Profile
risk awareness, GCG, dan keamanan data. Kegiatan ini GCG, and data security strategies. These activities are an
merupakan bagian integral dari proses penerapan Budaya integral part of the process of implementing a Sustainability
Management
Keberlanjutan di lingkungan Bank. Culture within the Bank. Discussion and
Analysis
Bank Sinarmas juga menerapkan Budaya Keberlanjutan Bank Sinarmas also implements a Sustainability Culture in
dalam kegiatan operasional melalui upaya penghematan operational activities through savings efforts in paper, water, Business
dalam penggunaan kertas, air, listrik, dan bahan bakar. electricity, and fuel usage. This policy is applied thoroughly Support
Kebijakan ini diterapkan secara menyeluruh di seluruh at all levels of the organization, from the head office to Overview
jenjang organisasi, mulai dari kantor pusat hingga kantor branch offices, with the hope of having a positive impact on
cabang, dengan harapan memberikan dampak positif the environment. Corporate
terhadap lingkungan. Governance
Dengan membangun budaya keberlanjutan ini, Bank By building this culture of sustainability, Bank Sinarmas not SUSTAINABILITY
Sinarmas tidak hanya berfokus pada pencapaian tujuan only focuses on achieving long-term business goals but also REPORT
bisnis jangka panjang, tetapi juga memberikan kontribusi makes a real contribution to sustainable development in
yang nyata terhadap pembangunan berkelanjutan di Indonesia.
Indonesia.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 566
MENGEMBANGKAN KOMPETENSI
SUMBER DAYA MANUSIA
Developing Human Resources Competence
MENGEMBANGKAN KOMPETENSI SUMBER DEVELOPING HUMAN RESOURCES
DAYA MANUSIA COMPETENCE
Bank Sinarmas memiliki komitmen untuk mengembangkan Bank Sinarmas is committed to developing the competence
kompetensi Sumber Daya Manusia (SDM) serta memberikan of Human Resources (HR) and providing a safe, decent,
lingkungan kerja yang aman, layak, nyaman, inklusi, comfortable, inclusive, and conducive work environment.
dan kondusif. Bank juga menjunjung tinggi praktik The Bank also upholds healthy labor practices by committing
564 ketenagakerjaan yang baik dengan berkomitmen pada
prinsip kesetaraan dan kesempatan yang sama kepada
to equality and equal opportunity for every employee.
Ikhtisar Kinerja
setiap karyawan.
2024
PRAKTIK KETENAGAKERJAAN EMPLOYMENT PRACTICES
Laporan Dalam mengelola praktik ketenagakerjaan, Bank Sinarmas In managing employment practices, Bank Sinarmas appoints
Manajemen menunjuk Human Capital Management (HCM) Group dengan the Human Capital Management (HCM) Group, keeping
tetap memperhatikan prinsip keuangan berkelanjutan. in mind the principles of sustainable finance. The Bank
Profil Perusahaan Bank menyadari pentingnya menyelaraskan berbagai realizes the importance of aligning various HR management
kebijakan dan keputusan mengenai pengelolaan SDM policies and decisions by considering employees’ social,
Analisis dan
dengan mempertimbangkan dampak sosial, lingkungan, dan environmental, and economic impacts.
Pembahasan
Manajemen ekonomi karyawan.
Tinjauan Kesetaraan Gender dan Kesempatan Kerja Gender Equality and Employment Opportunities
Pendukung Bisnis [OJK F.18] [OJK F.18]
Bank Sinarmas berkomitmen untuk memberikan perlakuan Bank Sinarmas is committed to providing fair and equal
Tata Kelola yang adil dan setara kepada seluruh karyawan, tanpa treatment to all employees without discrimination based on
Perusahaan
diskriminasi berdasarkan gender, suku, agama, ras, atau gender, ethnicity, religion, race, or class (SARA). This principle
golongan (SARA). Prinsip kesetaraan ini diterapkan secara of equality is consistently applied from the recruitment
LAPORAN
KEBERLANJUTAN konsisten mulai dari proses rekrutmen, pengembangan process to competency development to the provision of
kompetensi, hingga pemberian peluang karier. career opportunities.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 567
Sepanjang tahun 2024, Bank Sinarmas telah merekrut Throughout 2024, Bank Sinarmas has recruited 1,375 new
1.375 karyawan baru. Proses rekrutmen dijalankan secara employees. The recruitment process was run professionally
profesional dan tanpa diskriminasi, dimana seluruh kandidat and without discrimination, where all employee candidates
karyawan dievaluasi dan dinilai berdasarkan kompetensi dan were evaluated and assessed based on relevant
pengalaman yang relevan. Bank memastikan bahwa setiap competencies and experience. The Bank ensured that
keputusan rekrutmen dilaksanakan tanpa bias dan didasari every hiring decision was made without bias and based it on
oleh faktor-faktor yang berkaitan dengan kemampuan kerja factors related to candidates’ employability.
mereka.
Peluang kerja yang sama juga diberikan oleh perusahaan The company also provides equal employment opportunities
dengan menerapkan prinsip kesetaraan gender kepada by applying the principle of gender equality to prospective
calon karyawan wanita. Bank Sinarmas memastikan bahwa female employees. Bank Sinarmas ensures that the
posisi dan jabatan yang tersedia terbuka bagi mereka yang available positions and titles are open to those who meet
memenuhi kualifikasi tanpa terkecuali. Hal ini tercermin the qualifications without exception. The policy is reflected
dengan beberapa diantara karyawan wanita menduduki in appointing some female employees to strategic positions,
jabatan strategis, seperti Dewan Komisaris, Direksi dan
Pejabat Eksekutif. Adapun per tanggal 31 Desember 2024,
such as the Board of Commissioners, Board of Directors,
and Executive Officers. As of December 31, 2024, the
565
komposisi karyawan wanita di Bank adalah sebesar 50,7%. composition of female employees in the Bank is 50.7%.
2024
Performance
Dalam mewujudkan komitmen untuk menciptakan Realizing its commitment to creating an inclusive, fair, and Highlights
lingkungan kerja yang inklusif serta adil dan setara, Bank equal work environment, Bank Sinarmas also provides
Sinarmas juga memberikan kesempatan khusus bagi special opportunities for persons with disabilities and Management
penyandang disabilitas dan memastikan penempatan ensures their placement in positions that are in accordance Report
mereka pada posisi yang sesuai dengan kemampuan dan with their abilities and adjusted circumstances.
keadaan yang disesuaikan. Company
Profile
Tenaga Kerja Paksa dan Tenaga Kerja Anak [OJK F.19] Forced Labor and Child Labor [OJK F.19]
Sebagai pemenuhan Undang Undang No. 19 Tahun As a fulfillment of Law No. 19 of 1999 on the Ratification of
Management
1999 tentang Pengesahan Konvensi International Labour the International Labor Organization (ILO) Convention on the Discussion and
Organization (ILO) mengenai Penghapusan Kerja Paksa, Abolition of Forced Labor, the Bank always ensures decent Analysis
Bank senantiasa memastikan waktu kerja yang layak bagi working time for employees by limiting the maximum working
karyawan, dengan membatasi waktu kerja maksimal hingga time to 40 hours a week. Business
40 jam dalam seminggu. Support
Overview
Bank Sinarmas juga telah menetapkan batas usia karyawan Bank Sinarmas has also set the age limit for eligible employees
yang layak bekerja, yakni usia 18 tahun. Hal ini sejalan to work at 18. The limit is in line with the provisions of Article Corporate
dengan ketentuan Pasal 68 Undang-Undang No. 13 Tahun 68 of Law No. 13 Year 2003 on Manpower and ensures that Governance
2003 tentang Ketenagakerjaan. Hal ini memastikan bahwa the Bank does not employ underage employees as stated
Bank tidak memperkerjakan karyawan di bawah umur in the law. SUSTAINABILITY
seperti yang tertera dalam undang-undang. REPORT
Remunerasi dan Manfaat bagi Karyawan [OJK F.20] Remuneration and Benefits for Employees [OJK F.20]
Bank Sinarmas merumuskan kebijakan remunerasi yang Bank Sinarmas formulates a remuneration policy designed
dirancang untuk menjunjung prinsip keadilan dan kewajaran. to uphold the principles of fairness and reasonableness. This
Penetapan kebijakan ini mempertimbangkan berbagai faktor, policy is determined by various factors, including individual
termasuk kontribusi individu karyawan, daya saing industri, employee contributions, industry competitiveness, and
serta kemampuan perusahaan. company capabilities.
Bank mengikuti program salary survey yang difasilitasi The Bank participates in a salary survey program facilitated
oleh konsultan independen yang diakui dalam industri by an independent consultant recognized in the banking
perbankan, demi mendapatkan referensi dalam penyusunan industry to obtain references in preparing the employee
struktur upah karyawan. Hasil dari survei ini menjadi referensi wage structure. The results of this survey become the main
utama dalam penyusunan struktur upah karyawan, selain reference, in addition to considering internal studies that
mempertimbangkan kajian internal yang mengacu pada refer to best practices in the industry.
praktik terbaik di industri.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 568
Selain itu, Bank juga mempertimbangkan kajian internal In addition, the Bank considers internal studies that refer
yang mengacu pada praktik terbaik di industri perbankan to best practices in the banking industry and ensures that
serta memastikan kebijakan remunerasi mematuhi seluruh remuneration policies comply with all applicable laws and
ketentuan perundang-undangan yang berlaku, termasuk regulations, including government minimum wage standards.
standar upah minimum yang ditetapkan oleh pemerintah.
Rasio Penghasilan Karyawan Terendah terhadap Upah Minimum
Ratio of Lowest Employee Earnings to Minimum Wage
Persentase terhadap UMP
Provinsi Province
Percentage of Provincial Minimum Wage
Bali 105% Bali
Bangka Belitung 104% Bangka Belitung
Banten 158% Banten
Bengkulu 152% Bengkulu
DI Yogyakarta 133% DI Yogyakarta
566 DKI Jakarta 110% DKI Jakarta
Gorontalo 113% Gorontalo
Ikhtisar Kinerja Jambi 113% Jambi
2024
Jawa Barat 112% West Java
Laporan Jawa Tengah 112% Central Java
Manajemen Jawa Timur 108% East Java
Kalimantan Barat 116% West Kalimantan
Profil Perusahaan
Kalimantan Selatan 110% South Kalimantan
Analisis dan Kalimantan Tengah 109% Central Kalimantan
Pembahasan Kalimantan Timur 108% East Kalimantan
Manajemen
Kalimantan Utara 137% North Kalimantan
Kepulauan Riau 105% Riau Islands
Tinjauan
Pendukung Bisnis Lampung 111% Lampung
Maluku 112% Maluku
Tata Kelola
Maluku Utara 112% North Maluku
Perusahaan
NTB 104% West Nusa Tenggara
LAPORAN NTT 107% East Nusa Tenggara
KEBERLANJUTAN
Papua 110% Papua
Papua Barat 110% West Papua
Papua Barat Daya 125% Southwest Papua
Papua Selatan 104% South Papua
Papua Tengah 110% Central Papua
Riau 108% Riau
Sulawesi Barat 104% West Sulawesi
Sulawesi Selatan 110% South Sulawesi
Sulawesi Tengah 121% Central Sulawesi
Sulawesi Tenggara 104% Southeast Sulawesi
Sulawesi Utara 110% North Sulawesi
Sumatera Barat 107% West Sumatra
Sumatera Selatan 104% South Sumatra
Sumatera Utara 110% North Sumatra
Bank memberikan manfaat lain selain remunerasi bagi The Bank provides benefits other than employee
karyawan sesuai dengan status masing-masing. Hal ini remuneration according to their respective status. These
mencakup rawat inap, rawat jalan, biaya melahirkan bagi include hospitalization, outpatient care, maternity expenses
karyawati dan istri karyawan, dan juga pergantian kacamata for employees and employees’ wives, and eyeglasses
untuk karyawan/karyawati dengan limit yang disesuaikan replacement for employees with limits adjusted by the Bank.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 569
oleh Bank. Bank turut menyediakan pemeliharaan kesehatan The Bank also provides health care through the Social
melalui program Badan Penyelenggara Jaminan Sosial Security Agency for Health (BPJS) program for those with
(BPJS) bagi yang berstatus tenaga alih daya (outsourcing). outsourcing status.
LINGKUNGAN KERJA YANG LAYAK DAN PROPER AND CONDUCIVE WORKING
KONDUSIF [OJK F.21] ENVIRONMENT [OJK F.21]
Bank Sinarmas berupaya melakukan sejumlah inisiatif Bank Sinarmas endeavors to conduct several initiatives to
untuk memastikan keselamatan dan kesehatan karyawan. ensure the safety and health of employees. The commitment
Komitmen untuk menerapkan praktik terbaik dalam to implement best practices in fulfilling employees’ rights
pemenuhan hak-hak karyawan dengan memprioritaskan by prioritizing the principles of occupational safety and
prinsip-prinsip keselamatan dan kesehatan kerja (K3) ini health (K3) is to create a decent and conducive working
guna menciptakan lingkungan kerja yang layak dan kondusif. environment.
Melalui unit Business Resilience & Continuity Management, Through the Business Resilience & Continuity Management
Bank berkomunikasi dengan karyawan melalui berbagai unit, the Bank communicates with employees through
saluran, termasuk e-mail dan e-learning, demi meningkatkan
kesadaran dan pengetahuan tentang K3 serta keadaan
various channels, including e-mail and e-learning, to increase
awareness and knowledge of OHS and emergencies. The
567
darurat. Bank telah mengupayakan beberapa sarana Bank has also implemented several security measures,
2024
pengamanan, seperti alat pemadam api ringan (APAR) such as light fire extinguishers (APAR) and alarms on the Performance
dan alarm pada infrastruktur gedung kantor bank sebagai infrastructure of the Bank’s office buildings. The Bank also Highlights
tindakan pencegahan. Bank juga mendukung ibu pekerja supports working mothers by providing comfortable and
dengan menyediakan ruang laktasi yang nyaman dan bersih. clean lactation rooms. Management
Report
Dalam rangka memastikan terpenuhinya hak karyawan To ensure the fulfillment of employee rights related to health,
terkait kesehatan, Bank telah menyediakan fasilitas the Bank has provided employee health facilities by the Company
kesehatan karyawan, sesuai dengan Surat Keputusan Decree of the Board of Directors No.SK.090/2024/PRESDIR- Profile
Direksi No.SK.090/2024/PRESDIR-HCM tentang Petunjuk HCM on the Implementation Guidelines for Health Facilities
Pelaksanaan Fasilitas Kesehatan Bagi Karyawan. Adapun for Employees. Some of the employee health facilities
Management
beberapa fasilitas kesehatan karyawan antara lain: include: Discussion and
• BPJS Kesehatan • BPJS Health Analysis
• Asuransi Kesehatan • Health Insurance
Business
Selain itu, Bank juga memastikan keselamatan kerja karyawan In addition, the Bank also ensures employee work Support
melalui pembentukan Tim Darurat yang bertanggung jawab safety through the establishment of an Emergency Team Overview
terhadap keselamatan kerja. Tujuan dibentuknya tim ini responsible for work safety. The objectives of this team are:
adalah: Corporate
1. Mengetahui kegiatan yang harus diprioritaskan pada 1. Knowing the activities that must be prioritized in the Governance
saat terjadi keadaan darurat demi kelangsungan bisnis event of an emergency for business continuity and
dan pelayanan terhadap nasabah; customer service; SUSTAINABILITY
2. Meminimalkan kehilangan dokumen-dokumen penting; 2. Minimize the loss of essential documents; and REPORT
dan
3. Meminimalkan dampak bencana terhadap perusahaan 3. Minimizing the impact of disasters on the company as a
secara keseluruhan. Tim Darurat pun senantiasa whole. The Emergency Team is constantly provided with
diberikan pelatihan dan pelatihan dan simulasi training and simulations for fires and earthquakes.
menghadapi bencana, baik kebakaran maupun gempa
bumi.
Tujuan dari pelatihan tersebut, yakni: The objectives of the training are:
1. Meningkatkan kesadaran dan kesiapan menghadapi 1. Increase awareness and readiness to face disasters;
bencana;
2. Memberikan pemahaman mengenai basic floor captain; 2. Provide an understanding of the essential floor captain;
dan and
3. Melatih kemampuan dan kesigapan para peserta 3. Train the trainees’ ability and alertness in coordinating
pelatihan dalam mengoordinasi rekan-rekan kerjanya with their coworkers to evacuate during earthquakes
untuk melakukan proses evakuasi saat gempa dan and fires in high-rise buildings.
kebakaran pada gedung bertingkat.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 570
Demi melatih kesadaran, kesiapan, dan kesiapsiagaan The Bank also conducts fire simulations, including the
karyawan dalam menghadapi keadaan darurat kebakaran, evacuation routes, emergency exit doors, and the location
Bank juga melakukan simulasi kebakaran termasuk di of the designated gathering points, to train the employees’
dalamnya untuk mengetahui jalur evakuasi, pintu emergency awareness, readiness, and preparedness for dealing with
exit hingga lokasi titik kumpul yang telah ditentukan. fire emergencies.
Bank Sinarmas menyadari peran penting tenaga keamanan Bank Sinarmas realizes the critical role of security personnel
(sekuriti) dalam pelaksaan keselamatan kerja. Untuk itu, in implementing work safety. Therefore, Bank Sinarmas has
Bank Sinarmas telah mengikutsertakan tim keamanan pada participated with the security team in several trainings, with
beberapa pelatihan, dengan tujuan: the following objectives:
1. Meningkatkan kemampuan, kesigapan, dan sikap mental 1. Improving the ability, readiness, and mental attitude
dari personel Sekuriti Bank Sinarmas dalam merespons of Bank Sinarmas’ security personnel in responding
secara tepat dan cepat saat keadaan darurat terjadi; appropriately and quickly when an emergency occurs;
2. Melatih dan meningkatkan kemampuan peserta dalam 2. To train and improve the ability of participants in fire self-
evakuasi mandiri kebakaran dan evakuasi korban evacuation and evacuation of victims of building collapse
568 gedung runtuh; dan
3. Memberikan pemahaman lanjutan tentang sistem
and
3. Providing further understanding of the Incident Command
Ikhtisar Kinerja
koordinasi Incident Command System (ICS) dalam System (ICS) coordination system in handling emergency
2024 menangani situasi keadaan darurat di lingkungan kantor situations in the office environment.
Laporan Sepanjang tahun 2024, berbagai upaya untuk meningkatkan Throughout 2024, the company has implemented various
Manajemen kualitas keselamatan kerja telah dilaksanakan sebagai efforts to improve the quality of work safety as follows:
berikut: 1. Collaborated with the USS Spin-off Task Force in
Profil Perusahaan 1. Bekerja sama dengan Task Force Spin off USS dalam completing several documents, such as the BCM Policy,
melengkapi beberapa dokumen, seperti Kebijakan BCM, Alternative Work Location Implementation Manual,
Analisis dan
Petunjuk Pelaksana Lokasi Kerja Alternatif, SOP Lokasi Alternative Work Location SOP, Emergency Action Plan
Pembahasan
Manajemen Kerja Alternatif, Petunjuk Pelaksana Rencana Tindak Implementation Manual, and Bank Risk Assessment
Darurat, dan Petunjuk Pelaksana Risk Assessment Bank Implementation Manual, as prerequisite documents
Tinjauan sebagai prasyarat dokumen yang diminta oleh regulator. requested by regulators.
Pendukung Bisnis 2. Melaksanakan uji coba BC Plan 2. Conduct a BC Plan pilot test
3. Melaksanakan uji coba jalur komunikasi yang melibatkan 3. Conduct a trial of communication channels involving
Tata Kelola pimpinan unit kerja kritikal yang ada di kantor pusat serta leaders of critical work units at the head office and
Perusahaan
pejabat Regional Operation Manager, Head of Operation, Regional Operation Manager, Head of Operation, and/or
dan/atau Supervisor di kantor cabang. Supervisor officials at branch offices.
LAPORAN
KEBERLANJUTAN 4. Melakukan simulasi dan evakuasi bencana kebakaran. 4. Conduct fire disaster simulation and evacuation.
5. Melakukan sosialisasi dengan mempergunakan media 5. Conduct socialization using Sidilan media to all branches
Sidilan kepada seluruh cabang dengan jabatan Head with the positions of Head of Operation, Supervisor,
Of Operation, Supervisor, Sub Branch Service Manager, Sub Branch Service Manager, Customer Sales Service
Customer Sales Service Officer, Teller, dan Security Officer, Teller, and Security to conduct a proficiency test
melakukan ujian tes kemampuan yang berkaitan dengan related to the Emergency Action Plan Implementation
Petunjuk Pelaksanaan Rencana Tindakan Darurat (Rev. Guidelines (Rev. 3.0) and BCM Policy (Rev. 5.0).
3.0) dan Kebijakan BCM (Rev 5.0) 6. Conduct socialization of the provisions of the Emergency
6. Melakukan sosialisasi ketentuan Petunjuk Pelaksanaan Action Plan Implementation Guidelines (Rev. 3.0) using
Rencana Tindak Darurat (Rev. 3.0) menggunakan media Sidilan media for all employees.
Sidilan untuk seluruh karyawan
7. Seluruh kantor cabang menjalankan simulasi dan 7. All branch offices conducted simulations and evacuations
evakuasi dari bencana alam gempa bumi. from natural disasters like earthquakes.
8. Membuat acara webinar dengan tema Tanggap Darurat 8. Creating a webinar event with the theme of Emergency
untuk seluruh kantor cabang. Response for all branch offices.
PENGEMBANGAN KOMPETENSI [OJK F.22][GRI COMPETENCY DEVELOPMENT [OJK F.22][GRI
404-1][GRI 404-2] 404-1][GRI 404-2]
Pengembangan kompetensi SDM menjadi salah satu HR competency development is one of Bank Sinarmas’
komitmen utama Bank Sinarmas. Dalam mewujudkan main commitments. In realizing this commitment, the Bank
komitmen tersebut, Bank telah menyelenggarakan pelatihan has organized competency development training for
pengembangan kompetensi kepada karyawan pada employees at various levels of positions. The activities under
berbagai jenjang jabatan. Kegiatan yang berada dibawah the responsibility of HCM have been conducted through
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 571
tanggung jawab HCM telah direalisasikan melalui metode e-learning and in-class methods. The Bank also cooperates
e-learning maupun in-class. Bank juga bekerja sama dengan with external parties to provide training and webinars related
pihak eksternal untuk memberikan pelatihan maupun to sustainable finance.
webinar terkait keuangan berkelanjutan
Beberapa program pengembangan kompetensi lain, seperti Several other competency development programs, like
pelatihan untuk kebutuhan promosi jabatan atau menduduki training for promotion or occupying certain positions
jabatan tertentu, pelatihan wajib (sertifikasi) bagi karyawan and mandatory employee training (certification), were
juga telah dilaksanakan pada tahun 2024. Adapun jumlah jam also implemented in 2024. The number of training hours
pelatihan yang diikuti oleh seluruh karyawan organik atau di attended by all employees, organic or under Bank Sinarmas,
bawah Bank Sinarmas sepanjang tahun 2024 adalah sebesar throughout 2024 amounted to 445,707.52 hours, with an
445.707,52 jam dengan rata-rata sekitar 91,48 jam/karyawan. average of around 91.48 hours per employee.
445.707,52 91,48 569
Jam | Hour Jam/Karyawan | Hour/Employee
2024
Jumlah Jam Pelatihan Karyawan Bank Rata-rata Jam Pelatihan Per Karyawan Performance
Sinarmas 2024 Tahun 2024 Highlights
Total Training Hours of Bank Sinarmas Average Training Hours Per Employee in
Employees 2024 2024
Management
Report
Jam Pelatihan Berdasarkan Jenis Kelamin
Company
Training Hours by Gender
Profile
Jumlah Karyawan yang
Jenis Kelamin Memperoleh Pelatihan Jam Pelatihan Rata-rata Jam Pelatihan
Gender Number of Employees Receiving Training Hours Average Training Hours Management
Training Discussion and
Laki-laki | Male 2.398 210.155,13 87,64 Analysis
Perempuan | Female 2.474 235.552,39 95,21
Business
Support
Jam Pelatihan Berdasarkan Level Jabatan Overview
Training Hours by Position Level
Jumlah Karyawan yang Corporate
Level Jabatan Memperoleh Pelatihan Jam Pelatihan Rata-rata Jam Pelatihan Governance
Level of Position Number of Employees Receiving Training Hours Average Training Hours
Training
Top Management 53 5.632,5 106,27 SUSTAINABILITY
REPORT
Middle Management 795 83.878,7 105,51
Firstline Management 1.548 157.844,79 101,97
Staf | Staff 2.461 197.472,03 80,24
Non-staf | Non-staff 15 879,5 58,63
PELIBATAN PIHAK LOKAL INVOLVEMENT OF LOCAL PARTIES
Dalam rangka mewujudkan kesejahteraan ekonomi To realize the community’s economic welfare and provide
masyarakat dan memberikan dampak ekonomi tidak an indirect economic impact, Bank Sinarmas is committed to
langsung, Bank Sinarmas berkomitmen untuk melibatkan involving local labor in business activities. The local workforce
tenaga kerja lokal dalam kegiatan usaha yang dijalankan. is the workforce from around the Bank’s operational areas.
Tenaga kerja lokal yang dimaksud yaitu tenaga kerja yang The effort to increase the involvement of local parties is
berasal dari sekitar wilayah operasional Bank. Upaya untuk related to sustainable finance through branchless financial
meningkatkan pelibatan pihak lokal ini terkait dengan services in the framework of financial inclusion (Laku Pandai),
keuangan berkelanjutan melalui layanan keuangan tanpa which has been running since the end of 2015.
kantor dalam rangka keuangan inklusi (Laku Pandai) yang
berjalan sejak akhir 2015.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 572
Bank mengupayakan layanan perbankan dapat tetap The Bank strives for banking services to continue to be
dinikmati masyarakat terutama di daerah pedesaan melalui enjoyed by the community, especially in rural areas, through
Agen Laku Pandai, sehingga masyarakat dapat melakukan Laku Pandai Agents. This allows the community to conduct
transaksi keuangan, seperti menabung, menarik tunai, financial transactions, such as saving, withdrawing cash,
transfer dana, hingga membeli pulsa dan membayar berbagai transferring funds, buying credit, and paying various bills,
tagihan secara cepat dan aman di agen-agen Laku Pandai. quickly and safely at Laku Pandai agents.
Hingga akhir 2024, Bank Sinarmas telah bekerja sama Until the end of 2024, Bank Sinarmas collaborated with more
dengan lebih dari 9.695 agen Laku Pandai yang tersebar di than 9,695 Laku Pandai agents in 165 cities and regions
165 kota dan kabupaten di seluruh Indonesia. throughout Indonesia.
570
Ikhtisar Kinerja
2024
9.695
Mitra | Partners
Agen Laku Pandai yang Menjadi
Mitra Lokal
Laku Pandai Agents who Become
Local Partners
Laporan
Manajemen
Profil Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung Bisnis
Tata Kelola
Perusahaan
LAPORAN
KEBERLANJUTAN
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 573
MENINGKATKAN KEPEDULIAN SOSIAL
DAN PENGEMBANGAN MASYARAKAT
Improving Social Care and Community Development
Sebagai bagian dari komitmen untuk menciptakan dampak As part of the commitment to creating a sustainable positive
positif yang berkelanjutan, Bank Sinarmas terus berkontribusi impact, Bank Sinarmas continues to contribute to community
dalam pemberdayaan masyarakat melalui berbagai program empowerment through various targeted and sustainable
yang terarah dan berkelanjutan. Fokus kami adalah programs. Our focus is to encourage financial literacy and
mendorong literasi dan inklusi keuangan, meningkatkan inclusion, improve the quality of education, and support
kualitas pendidikan, serta mendukung kesejahteraan sosial social welfare through activities in health, religion, social
melalui kegiatan-kegiatan di bidang kesehatan, keagamaan,
sarana dan prasarana sosial, hingga filantropi.
facilities and infrastructure, and philanthropy.
571
2024
DAMPAK OPERASIONAL [OJK F.23][GRI 413-2] IMPACT OF OPERATIONS [OJK F.23][GRI 413-2] Performance
Kegiatan operasional perbankan Bank Sinarmas tidak Bank Sinarmas’ banking operations have no direct negative Highlights
memiliki dampak negatif langsung kepada masyarakat impact on the surrounding community. Nevertheless, the
sekitar. Meski demikian, Bank berupaya memberikan Bank strives to contribute positively to the community, Management
kontribusi positif kepada masyarakat, terutama di wilayah especially in its operational areas, through various social and Report
operasionalnya, melalui berbagai inisiatif pengembangan community development initiatives.
sosial dan kemasyarakatan. Company
Profile
LITERASI DAN INKLUSI KEUANGAN FINANCIAL LITERACY AND INCLUSION
[OJK F.25][GRI 413-1] [OJK F.25][GRI 413-1]
Management
Bank Sinarmas menyadari pentingnya literasi dan inklusi Bank Sinarmas realizes the importance of financial literacy Discussion and
keuangan masyarakat di Indonesia. Demi menciptakan and inclusion in Indonesia. In order to create a stable and Analysis
masa depan keuangan yang stabil dan berkelanjutan, baik sustainable financial future, both for individuals and society
bagi individu maupun masyarakat secara keseluruhan, Bank as a whole, the Bank strives to initiate various financial Business
berupaya menginisiasi berbagai program literasi keuangan. literacy programs. The Bank also ensures more equitable Support
Bank juga memastikan akses yang lebih merata terhadap access to financial products and services through digital Overview
produk dan layanan keuangan melalui Inovasi digital dan innovation and information technology.
teknologi informasi. Corporate
Governance
Sepanjang tahun 2024, program dan kegiatan literasi dan Throughout 2024, financial literacy and inclusion programs
inklusi keuangan telah dilaksanakan salah satunya bekerja and activities have been implemented, one of which was in SUSTAINABILITY
sama dengan Taman Baca Masyarakat (TBM) Lentera Pusaka. collaboration with Community Reading Park (TBM) Lentera REPORT
Pusaka.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 574
572
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil Perusahaan
Tabungan SIMPEL untuk Meningkatkan Kualitas SIMPEL Savings to Enhance the Quality of
Analisis dan
Pembahasan
Pendidikan Anak-anak Indonesia Education of Indonesian Children
Manajemen Bank Sinarmas meluncurkan Tabungan SIMPEL (SIMpenan Bank Sinarmas launched SIMPEL Savings (Student Savings)
PELajar) untuk 20 anak pembaca aktif TBM Lentera Pustaka di for 20 active readers of TBM Lentera Pustaka in Bogor on
Tinjauan Bogor pada tangagal 18 Februari 2024. Pada saat yang sama February 18, 2024. At the same time, the inauguration of
Pendukung Bisnis dilakukan pula peresmian kanopi rooftop baca, penyerahan the rooftop reading canopy, the handover of Tzu Chi school
tas sekolah Tzu Chi, donasi 5 perangkat komputer literasi bags, the donation of five digital literacy computer devices,
Tata Kelola digital, dan peluncuran motor baca SIMOBI. Kegiatan yang and the launch of the SIMOBI reading motorcycle were also
Perusahaan
dihadiri 140 anak pembaca aktif dan ibunya ini menjadi held. The activity, which was attended by 140 active reader
bukti kepedulian sosial Bank Sinarmas dalam mendukung children and their mothers, is proof of Bank Sinarmas’ social
LAPORAN
KEBERLANJUTAN gerakan literasi dan aktivitas taman bacaan. concern in supporting the literacy movement and reading
park activities.
Gelar Festival Literasi Gunung Salak untuk Tingkatkan Literacy Festival Held at Gunung Salak to
Kampanye Ayo Baca Improve the Let’s Read Campaign
Bank Sinarmas bersinergi dengan TBM Lentera Pustaka Bank Sinarmas, in synergy with TBM Lentera Pustaka, held
mengadakan Festival Literasi Gunung Salak #7 di, Bogor, the Gunung Salak Literacy Festival #7 in Bogor, West Java.
Jawa Barat. Festival ini merupakan ajang kreasi anak-anak This festival is an event for children to create active readers
pembaca aktif dan membangun kecintaan budaya Indonesia and build a love for Indonesian culture through literacy, held
melalui literasi yang diselenggarakan pada tanggal 24 on November 24, 2024. Going forward, Bank Sianrmas will
November 2024. Ke depan, Bank Sianrmas akan terus continue to support the activities of TBM Lentera Pustaka,
mendukung aktivitas TBM Lentera Pustaka, termasuk untuk including strengthening children’s financial literacy and
memperkuat literasi finansial anak-anak dan pembukaaan opening SimPel accounts.
rekening SimPel.
PENDIDIKAN [OJK F.25][GRI 413-1] EDUCATION [OJK F.25][GRI 413-1]
Bank Sinarmas melakukan beberapa kerja sama dengan Bank Sinarmas conducts several collaborations with various
berbagai pihak guna mendukung program pemerintah parties to support the government program in improving the
dalam meningkatkan mutu pendidikan. Salah satunya adalah quality of education. One of them is by collaborating with the
dengan berkolaborasi dengan Taman Bacaan Masyarakat Community Reading Park (TBM) Lentera Pustaka which has
(TBM) Lentera Pustaka yang telah dilaksanakan sejak tahun been implemented since 2018. This activity aims to reduce
2018. Kegiatan ini bertujuan untuk menekan angka putus the number of school dropouts and early marriages and
sekolah dan pernikahan dini serta meningkatkan kegemaran increase the reading habit of school-age children in villages
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 575
membaca anak-anak usia sekolah di perkampungan dan and remote areas. The Bank’s collaboration with TBM
pelosok daerah. Kolaborasi Bank dengan TBM Lentera Lentera Pustaka has been on track and has had a positive
Pustaka telah berjalan sesuai dengan jalur dan memberikan impact on the community.
dampak positif kepada masyarakat.
Per 31 Desember tahun 2024, terdapat 16 program literasi di As of December 31, 2024, there were 16 literacy programs
antaranya adalah: including:
1) TABA (TAman BAcaan) dengan 100 anak pembaca aktif 1) TABA (TAman BAcaan/Reading Park) with 100 active
dari 3 desa (Sukaluyu, Tamansari, dan Sukajaya) child readers from three villages (Sukaluyu, Tamansari,
and Sukajaya)
2) GEBERBURA (GErakan BERantas BUta aksaRA) dengan 2) GEBERBURA (GErakan BERantas BUta aksaRA/
9 warga belajar Movement to Eradicate Illiteracy) with nine adult learners
3) KEPRA (Kelas PRAsekolah) dengan 20 anak usia 3) KEPRA (Kelas PRAsekolah/Pre-school Class) with 20
prasekolah preschool-age children
4) YABI (YAtim BInaan) dengan 14 anak yatim yang disantuni 4) YABI (YAtim BInaan/Assisted Orphans) with 14 orphans
dan 4 di antaranya diberikan beasiswa
5) JOMBI (JOMpo BInaan) dengan 8 jompo usia lanjut
being cared for and four of them receiving scholarships
5) JOMBI (JOMpo BInaan/Assisted Elderly) with eight
573
elderly beneficiaries
2024
6) TBM Ramah Difabel dengan 2 anak difabel 6) TBM Ramah Difabel (Disabled-Friendly TBM) with two Performance
disabled children Highlights
7) KOPERASI LENTERA dengan 30 anggota 7) KOPERASI LENTERA with 30 members
8) DonBuk (Donasi Buku), 8) DonBuk (Book Donation) Management
9) RABU (RAjin menaBUng), 9) RABU (RAjin menaBUng/Saving Diligently) Report
10) LITDIG (LITerasi DIGital) untuk mengenalkan cara internet 10) LITDIG (LITerasi DIGital) to introduce healthy internet
sehat, practices Company
11) LITFIN (LITerasi FINansial), edukasi literasi keuangan 11) LITFIN (LITerasi FINansial/Financial Literacy), financial Profile
literacy education
12) LIDAB (LIterasi ADAb), edukasi sopan santun dan adab 12) LIDAB (LIterasi ADAb/Ethical Literacy), education on
Management
manners and etiquette Discussion and
13) MOBAKE (MOtor BAca KEliling), beroperasi ke tiga 13) MOBAKE (MOtor BAca KEliling/Mobile Library), operates Analysis
kampung to three villages
14) Rooftop Baca, tempat membaca outdoor 14) Rooftop Reading, outdoor reading place Business
15) Berantas Buta Aksara Al Quran. 15) Berantas Buta Aksara Al-Qur’an (Eradicate Illiteracy in the Support
Quran) Overview
16) Literasi budaya menabung sejak dini (SMP BESTARI 16) Literacy of savings culture from an early age (SMP
UTAMI) BESTARI UTAMI) Corporate
Governance
Selain itu, Bank Sinarmas juga menginisiasi kegiatan dalam In addition, Bank Sinarmas also initiated activities to support
rangka mendukung kegiatan pendidikan anak dengan children’s education by holding an exclusive event in SUSTAINABILITY
menggelar event eksklusif hasil kolaborasi dengan Expert collaboration with Expert Education and GWS Medika. This REPORT
Education dan GWS Medika. Kegiatan ini turut membantu activity also helps parents who want or are preparing their
orang tua yang ingin atau sedang mempersiapkan putra/i children to study abroad.
mereka untuk menempuh pendidikan di luar negeri.
KESEHATAN HEALTH
Bank Sinarmas rutin melakukan program donor darah Bank Sinarmas routinely conducts a blood donation program
yang bekerja sama dengan Palang Merah Indonesia (PMI) in collaboration with the local Indonesian Red Cross (PMI). This
setempat. Program tahunan ini merupakan kontribusi annual program is the Bank’s contribution to the fulfillment of
Bank demi pemenuhan stok darah untuk transfusi kepada bloodstock for transfusion to the community and employees
masyarakat maupun karyawan yang membutuhkan. in need. Throughout 2024, the Bank conducted this program
Sepanjang tahun 2024, Bank telah melaksanakan program three times, with a total of 219 blood bags received.
ini sebanyak 3 kali dengan jumlah 219 kantong darah yang
diterima.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 576
Pada tahun 2024, Bank Sinarmas bersama tim dokter GWS In 2024, Bank Sinarmas, together with GWS Medika’s team
Medika dan relawan Yayasan Tzu Chi menggelar pemeriksaan of doctors and Tzu Chi Foundation’s volunteers, held a
kesehatan gratis yang diikuti 110 warga. Berbagai periksa free health check-up, which was attended by 110 residents.
kesehatan seperti gula darah, kolesterol, penyakit umum, Various health checks, such as blood sugar, cholesterol,
tensi dan berat badan disambut antusias warga. general diseases, tension, and weight, were welcomed
enthusiastically by the residents.
KEAGAMAAN RELIGIOUS
Sejumlah program dan bantuan dana ke sejumlah yayasan, As a form of attention and support for religious activities, the
pondok pesantren, serta masjid dan mushola telah Bank has implemented a number of programs and provided
dilaksanakan Bank sebagai bentuk perhatian dan dukungan financial assistance to various foundations, Islamic boarding
Bank dalam kegiatan keagamaan. Beberapa Yayasan, schools, mosques, and mushollas. Al-Jami’ Grand Mosque
Masjid dan Pondok Pesantren tersebut antara lain Masjid Pekalongan, Al-Islah Bungah Gresik Islamic Boarding School,
Agung Al-Jami’ Pekalongan, Ponpes Al-Islah Bungah Gresik, Al Fatah Mosque Malang, Nurul Huda Mosque Malang,
Masjid Al Fatah Malang, Masjid Nurul Huda Malang, Masjid Baiturohman Mosque Batu, Nurul Huda Islamic Boarding
574 Baiturohman Batu, Pondok Pesantren Nurul Huda, Masjid
An-Nur (Bumisari) Jakarta Selatan, Mushollah Ar-Raudhah,
School, An-Nur Mosque (Bumisari) South Jakarta, Mushollah
Ar-Raudhah, GPdi Ketapang and Neo Soho, and St. Francis
Ikhtisar Kinerja
GPdi Ketapang dan Neo Soho serta Gereja Katolik Paroki St. Asisi APO Parish Catholic Church in Jayapura City are some
2024 Fransiskus Asisi APO di Kota Jayapura. of these Foundations, Mosques, and Islamic Boarding
Schools.
Laporan
Manajemen Pada momen Hari Haya Keagamaan seperti bulan On the occasion of Religious Holidays such as Ramadhan
Ramadhan dan Idul Fitri, Bank Sinarmas memberikan donasi and Eid al-Fitr, Bank Sinarmas provides Ramadhan donations
Profil Perusahaan dan santunan Ramadhan untuk masyarakat sekitar dan and compensation for the surrounding community and runs a
menjalankan Program Bingkisan Ramadhan kepada tenaga Ramadhan Gift Program for outsourced personnel, especially
Analisis dan
alih daya, khususnya tenaga pendukung (security, office support personnel (security, office boy/girl, cleaning service,
Pembahasan
Manajemen boy/ girl, cleaning service, driver, serta ekspedisi). Bank driver, and expedition). The Bank also organized Iftar with
juga menyelenggarakan Buka Puasa Bersama Karyawan employees and Orphanages/Islamic Boarding Schools as
Tinjauan dan Panti Asuhan/Pondok Pesantren serta Berkah Takjil well as Ramadan Takjil Blessings.
Pendukung Bisnis Ramadhan.
Tata Kelola Selain itu, pada Hari Raya Idul Adha, Bank memberikan In addition, on Eid al-Adha, the Bank donated sacrificial
Perusahaan
sumbangan hewan kurban ke berbagai daerah dan lingkup animals to various regions and the wider community in
masyarakat luas di Indonesia, salah satunya melalui MNC Indonesia, one of which was through MNC Peduli and
LAPORAN
KEBERLANJUTAN Peduli dan Bappepti. Bappepti.
PERBAIKAN SARANA DAN PRASARANA SOCIAL FACILITY AND INFRASTRUCTURE
SOSIAL REPAIR
Bank Sinarmas terus meningkatkan program perbaikan Bank Sinarmas continues to increase the social infrastructure
saran dan prasarana sosial yang bertujuan agar tercipta improvement program, which aims to create synergy in
sinergi dalam meningkatkan kesejahteraan masyarakat improving the welfare of the community and strengthening
serta memperkuat fondasi pembangunan yang inklusif dan the foundation of inclusive and sustainable development.
berkelanjutan.
Sejumlah aktivitas penyaluran dana untuk proyek perbaikan A number of fund disbursement activities for social facilities
sarana dan prasarana sosial telah dilakukan oleh Bank pada and infrastructure improvement projects have been carried
tahun 2024, beberapa di antaranya adalah: out by the Bank in 2024, among others:
1. CSR perbaikan ruang Polres Lubuk Linggau; 1. CSR on Lubuk Linggau police station room renovation;
2. CSR penggantian, perawatan dan perbaikan toilet 2. CSR on School toilet replacement, maintenance, and
sekolah SD dan SMP Yayasan Ekklesia Dumai; repair of elementary and junior high schools of Ekklesia
Dumai Foundation;
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 577
PROGRAM DONASI DAN FILANTROPI DONATION AND PHILANTHROPY PROGRAM
Bank Sinarmas melaksanakan tanggung jawab sosial Bank Sinarmas implements social and environmental
lingkungan (TJSL) sebagai wujud tanggung jawab perusahaan responsibility (CSER) as a form of corporate responsibility to
terhadap para pemangku kepentingan. Sepanjang tahun the stakeholders. Throughout 2024, Bank Sinarmas allocated
2024 Bank Sinarmas telah mengalokasikan dana TJSL untuk CSER funds for donation programs to the community, among
program donasi kepada masyarakat, antara lain: others:
1. Bank Sinarmas membuka program solusi berkelanjutan 1. Bank Sinarmas opened a sustainable solution program
yang berfokus pada diseminasi olah limbah peternakan that focuses on the dissemination of livestock waste
dan sampah organik basis teknologi konsorsium MOL and organic waste processing based on MOL Biotaro
Biotaro untuk pangan sehat di Kabupaten Gianyar. consortium technology for healthy food in Gianyar
Kegiatan ini diselenggarakan pada tanggal, 23 Februari Regency. This activity was held on February 23, 2024, at
2024 bertempat di Umah Joglo Desa Petak, Gianyar, Bali Umah Joglo, Petak Village, Gianyar, Bali.
2. Sinarmas Mengabdi untuk Negeri, Peduli untuk 2. Sinarmas Mengabdi untuk Negeri, Peduli untuk
Masyarakat, dilaksanakan pada tanggal 25 Agustus 2024 Masyarakat or Sinarmas Service for the Country, Cared
di TBM Lentera Pustaka dalam rangka memperingati for the Community, was held on August 25, 2024, at TBM
ulang tahun ke-35 Bank Sinarmas. Kegiatan yang
didukung oleh Yayasan Tzu Chi Sinarmas dan GWS
Lentera Pustaka in commemoration of Bank Sinarmas’
35th anniversary. The activities supported by the Tzu Chi
575
Medika ini beberapa di antaranya adalah: Sinarmas Foundation and GWS Medika included:
2024
a) berdonasi beras untuk 100 keluarga miskin dan a) rice donation for 100 impoverished families and Performance
b) pemeriksaan kesehatan gratis untuk 100 orang b) free health checks for 100 people Highlights
c) interaksi relawan dengan 160 anak pembaca aktif di c) volunteer interaction with 160 active children readers
TBM Lentera Pustaka. at TBM Lentera Pustaka. Management
3. Melalui aplikasi SiMobiPlus, Bank Sinarmas menyediakan 3. Through the SiMobiPlus application, Bank Sinarmas Report
menu donasi nasabah yang dapat membantu nasabah provides a customer donation menu that can help
yang ingin menyalurkan dana donasi seperti pada customers who want to channel donation funds such as Company
program PeduliSehat.id. in the PeduliSehat.id program. Profile
Pada tahun 2024, Bank Sinarmas telah bekerja sama In 2024, Bank Sinarmas cooperated with various parties in
Management
dengan berbagai pihak dalam penyaluran donasi dan telah the distribution of donations and spent Rp1,785,555,503 for Discussion and
mengeluarkan dana sebesar Rp 1.785.555.503,- untuk philanthropic activities. Analysis
kegiatan filantropi.
Business
Sepanjang tahun 2024, Bank Sinarmas telah mengalokasikan Throughout 2024, Bank Sinarmas allocated CSER funds for Support
dana TJSL untuk program donasi kepada masyarakat, antara donation programs to the community, among others: Overview
lain:
1. Pemberian bantuan sembako kepada korban bencana 1. Provision of basic food assistance to victims of the flood Corporate
alam banjir di kabupaten sarolangun jambi oleh KCP disaster in Sarolangun Regency, Jambi, by KCP Cross Governance
lintas Sumatra di Sarolangun Sumatera in Sarolangun.
2. Bantuan sosial kebutuhan pangan pra-sejahtera DKI 2. Social assistance for pre-prosperous food needs in DKI SUSTAINABILITY
Jakarta Jakarta REPORT
3. Bantuan sosial minyak goreng pra-sejahtera Wongsorejo, 3. Social assistance for pre-prosperous cooking oil
Kabupaten Banyuwangi Wongsorejo, Banyuwangi Regency
4. Bantuan minyak goreng untuk Polres Jakarta Selatan 4. Cooking oil assistance for South Jakarta Police
5. Bantuan pengadaan kursi roda oleh Yayasan Sahabat 5. Wheelchair procurement assistance by Sahabat Insan
Insan Widyantara Widyantara Foundation
6. Bantuan modal untuk UMKM PPLIPI 6. Capital assistance for PPLIPI MSMEs
7. Donasi kegiatan Retreat Gereja Pantekosta di Indonesia 7. Donations for Indonesian Pentecostal Church Retreat
activities
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 578
8. Bantuan sosial minyak goreng pra-sejahtera di 8. Social assistance for pre-prosperous cooking oil in
Kabupaten Banyuwangi, Kabupaten Bondowoso dan Banyuwangi Regency, Bondowoso Regency, and
Kabupaten Situbondo Situbondo Regency
9. Bantuan minyak goreng Polresta Tulungagung 9. Cooking oil donation from Polresta Tulungagung
10. Bantuan minyak goreng di Kota Malang 10. Cooking oil donation in Malang City
11. CSR kepada Serikat Pekerja Seluruh Indonesia (SPSI) PT 11. CSR to the Indonesian Labor Union (SPSI) of PT Pabrik
Pabrik Kertas Tjiwi Kimia Tbk. oleh KC Mojokerto Kertas Tjiwi Kimia Tbk. by Mojokerto Branch Office
12. Kegiatan Bakti Sosial pemberian beras dan alat sekolah 12. Social Service activities of providing rice and school
kepada warga pra-sejahtera dan tuna wisma Lodan Raya supplies to underprivileged and homeless residents of
Lodan Raya
13. Bantuan musibah kebakaran rumah karyawan Bank 13. Assistance in the fire disaster of Bank Sinarmas
Sinarmas employee’s house
14. CSR kepada Raws Charity Taman Werdha Syailendra 14. CSR to Raws Charity Taman Werdha Syailendra
Foundation dan Raw Foundation Foundation and Raw Foundation
15. Pengadaan mobil ambulans kepada Forum Kounikasi 15. Procurement of ambulance car to Forum Kounikasi Kaum
576 Kaum Betawi Indonesia (FORKKABI)
16. Bantuan minyak goreng kepada Yayasan Pendidikan
Betawi Indonesia (FORKKABI)
16. Donation of cooking oil to Raudlotus Sibyan Albadawi
Ikhtisar Kinerja
Sosial Raudlotus Sibyan Albadawi Demak Social Education Foundation, Demak
2024 17. Bantuan minyak goreng untuk Polres Garut 17. Cooking oil donation to Garut Police
18. Pengadaan mobil ambulans kepada Pondok Pesantren 18. Procurement of ambulance car to Salafy Islamic Boarding
Laporan Salafy “BABUSSALAM SINDANGKERTA” Bandung Barat School “BABUSSALAM SINDANGKERTA” West Bandung
Manajemen 19. Bantuan minyak goreng kepada Yayasan Ar Romah 19. Cooking oil donation to Ar Romah Insan Kamil Foundation
Insan Kamil
Profil Perusahaan 20. Bantuan minyak goreng kepada Kodim 0710 Pekalongan 20. Cooking oil donation to Kodim 0710 Pekalongan
21. Kontribusi ke Polresta Palu 21. Contribution to Palu Police Station
Analisis dan
22. Lomba Budaya Humanis Tzu Chi 22. Tzu Chi Humanist Culture Competition
Pembahasan
Manajemen 23. HUT Polisi Militer AU ke-78 di Makassar 23. 78th AU Military Police Anniversary in Makassar
24. Bantuan Air Mineral Pristine ke Paguyuban Sosial Marga 24. Pristine Mineral Water donation to Pekalongan Chinese
Tinjauan Tionghoa Indonesia (PSMTI) Pekalongan Social Marga Society of Indonesia (PSMTI)
Pendukung Bisnis
Tata Kelola
Perusahaan
LAPORAN
KEBERLANJUTAN
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 579
MENINGKATKAN KUALITAS PRODUK
DAN LAYANAN
Improve Product and Service Quality
Bank Sinarmas senantiasa berkomitmen untuk memberikan Bank Sinarmas is always committed to providing the best
pengalaman terbaik kepada nasabah melalui inovasi produk experience to customers through product innovation
dan peningkatan kualitas layanan. Bank percaya bahwa and service quality improvement. The Bank believes that
kepuasan dan kepercayaan nasabah merupakan fondasi customer satisfaction and trust are the main foundations
utama dalam menjaga keberlanjutan bisnis. Oleh karena itu, in maintaining business sustainability. Therefore, Bank
Bank Sinarmas secara konsisten melakukan evaluasi dan Sinarmas consistently evaluates and develops, both in terms
pengembangan, baik dari sisi teknologi, keunggulan produk,
maupun pendekatan layanan yang responsif terhadap
of technology, product excellence, and service approaches
that are responsive to the evolving market needs.
577
kebutuhan pasar yang terus berkembang.
2024
Performance
MENYEDIAKAN PRODUK DAN LAYANAN PROVIDING THE BEST AND EQUAL Highlights
YANG TERBAIK DAN SETARA [OJK F.17] PRODUCTS AND SERVICES [OJK F.17]
Bank Sinarmas selalu menempatkan nasabah sebagai Bank Sinarmas has always regarded customers as the Management
pemangku kepentingan utama dalam keberlanjutan usaha. primary stakeholders in business sustainability. To foster Report
Demi menciptakan hubungan yang saling menguntungkan a mutually beneficial relationship and promote long-term
dan mendukung pembangunan berkelanjutan, Bank development, the Bank strives to provide the best products Company
berupaya memberikan produk dan layanan terbaik bagi para and services to its customers. Profile
nasabah.
Management
Bank Sinarmas terus meningkatkan standar kualitas Bank Sinarmas continues to improve service quality Discussion and
pelayanan serta memastikan pemberian layanan yang standards and ensure that all customers receive equal Analysis
setara kepada seluruh nasabah di seluruh cakupan service across all areas of coverage for the products and
wilayah atas produk dan jasa yang ditawarkan. Salah satu services offered. One of the primary goals of development Business
yang menjadi titik utama insiatif pengembangan adalah initiatives is the advancement of digital technology. The Bank Support
melalui pengembangan teknologi digital. Bank berupaya strives to improve digital services by prioritizing customer Overview
meningkatkan layanan digital dengan fokus pada kebutuhan, needs, convenience, and comfort.
kemudahan, dan kenyamanan nasabah. Corporate
Governance
MENINGKATKAN KEPUASAN NASABAH [OJK INCREASING CUSTOMERS SATISFACTION
F.30] [OJK F.30] SUSTAINABILITY
Kepuasan nasabah merupakan prioritas utama Bank Customer satisfaction is Bank Sinarmas’ top priority in REPORT
Sinarmas dalam menjalankan operasional bisnis yang conducting sustainable business operations. Through a
berkelanjutan. Melalui pendekatan yang berpusat pada customer-centered approach, we are committed to providing
kebutuhan nasabah, kami berkomitmen untuk menghadirkan excellent services, innovative solutions, and a trusted
layanan yang prima, solusi yang inovatif, serta pengalaman banking experience. Bank Sinarmas routinely measures
perbankan yang terpercaya. Bank Sinarmas secara rutin the level of customer satisfaction and makes it a basis to
mengukur tingkat kepuasan nasabah dan menjadikannya continuously enhance the quality of products, services, and
sebagai dasar untuk terus meningkatkan kualitas produk, interactions with stakeholders.
layanan, dan interaksi dengan para pemangku kepentingan.
Bank melakukan beberapa survei untuk mengukur apakah The Bank conducts several surveys to measure whether
produk dan layanan yang diberikan telah memenuhi harapan the products and services provided have met customer
nasabah. Survei ini dilakukan untuk mengevaluasi kualitas expectations. This survey is conducted to evaluate the
layanan kepada nasabah yang diberikan oleh Bank sebagai quality of services to customers provided by the Bank as
bahan penyempurnaan di masa mendatang. Bank Sinarmas material for future improvement. Bank Sinarmas measures
mengukur tingkat kepuasan nasabah terhadap informasi the level of customer satisfaction with the product and
produk dan layanan yang diberikan melalui dua metode service information provided through the following two
survei berikut. survey methods.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 580
1. Nilai Kepuasan Nasabah Melalui Koin/Tab/Scan QR 1. Customers Satisfaction Score through QR Coin/Tab/Scan
Nasabah memberikan penilaian untuk petugas Customer Customers rate the Customer Service & Sales Officer
Service & Sales Officer (CSSO)/Teller setiap kali mereka (CSSO)/Teller every time they finish a transaction using
selesai bertransaksi dengan menggunakan koin/tab/ a QR coin/tab/scan. The assessment consists of three
scan QR. Penilaian tersebut terdiri dari tiga kategori, categories, namely poor, good, and excellent. The results
yakni poor, good, dan excellent. Hasil survei ini dianalisis of this survey are analyzed quarterly. In the measurement
setiap triwulan. Pada tahun pengukuran 2024, hasilnya year 2024, the results are as follows:
sebagai berikut:
Rata-Rata Persentase Koin Kepuasan (dalam %)
Average Satisfaction Coin Percentage (in %)
Uraian Poor Good Excellent
Description
Kantor Konvensional (Bank Sinarmas) 0,017% 2,47% 97,51%
Conventional Office (Bank Sinarmas)
Kantor Syariah (Bank Nano Syariah) 0,001% 1,90% 98,10%
578 Sharia Office (Bank Nano Syariah)
Ikhtisar Kinerja
2024 2. Customer Satisfaction Survey 2. Customer Satisfaction Survey
Pada tahun 2024, Bank melaksanakan Customer In 2024, the Bank conducted a Customer Satisfaction
Laporan Satisfaction Survei dengan Net Promotor Score sebesar Survey with a Net Promoter Score of 87, with the following
Manajemen 87, dengan rincian sebagai berikut: details:
Profil Perusahaan Jumlah Responden
Number of Respondents
Analisis dan Uraian Datang ke Kantor Melalui E-mail Total Nasabah
Pembahasan Description Come to Office Via E-Mail Jumlah Total Customers
Manajemen
Nasabah 5.828 1.253 7.081
Customer
Tinjauan
Pendukung Bisnis
Rincian Customer Satisfaction Survei
Tata Kelola Details of Customer Satisfaction Survei
Perusahaan
No Uraian Nilai
Description Score
LAPORAN
1 Branch Office 4,93
KEBERLANJUTAN
2 Customer Care -
3 SimobiPlus 4,93
4 IB Personal 4,91
5 IB Business 4,88
6 ATM 4,91
Masukan untuk Menu/Fitur SimobiPlus Feedback for SimobiPlus Menu/Features
Secara umum Bank Sinarmas menjunjung tinggi aspek-aspek In general, Bank Sinarmas upholds the aspects of customer
perlindungan nasabah dan selalu berupaya memastikan protection and always strives to ensure it provides the best
untuk memberikan layanan terbaik kepada nasabah Bank service to the Bank’s customers, especially SimobiPlus
khususnya pengguna mobile Banking SimobiPlus. Kami mobile banking users. We also strive to listen to constructive
juga berupaya untuk mendengarkan masukan-masukan feedback from our customers for the continuous development
yang membangun dari nasabah kami untuk pengembangan of SimobiPlus and in our survey.
SimobiPlus secara berkelanjutan dan melalui survei yang
kami lakukan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 581
Kami memahami bahwa nasabah-nasabah kami We understand that our customers want to improve the
menginginkan adanya peningkatan performa sistem pada system performance of SimobiPlus, such as user-friendliness
SimobiPlus, seperti kemudahan penggunaan (user friendly) and improved user interface design, to provide the best
dan peningkatan desain antar-muka (user interface) untuk experience to our customers. Based on this feedback, we
memberikan pengalaman terbaik kepada nasabah kami. delivered a more modern and intuitive new look, ensuring
Berdasarkan masukan-masukan tersebut, kami telah easier navigation and a more enjoyable experience for
menghadirkan tampilan baru yang lebih modern dan intuitif, users. In addition, we added various utility features that
memastikan navigasi yang lebih mudah dan pengalaman simplify your daily transactions, from the logout button to the
yang lebih menyenangkan bagi pengguna. Selain itu, Simas Calendar and navigation bar.
kami juga menambahkan berbagai fitur utilitas yang
mempermudah transaksi harian Anda—mulai dari logout
button, Simas Calendar, dan navigation bar.
Tidak hanya itu, kami berkomitmen untuk memberikan lebih Moreover, we are committed to providing more benefits to
banyak keuntungan bagi pengguna dengan menghapus users by removing administration fees so that customers can
biaya administrasi, sehingga nasabah dapat menikmati
layanan perbankan yang lebih hemat dan efisien.
enjoy more cost-effective and efficient banking services.
579
2024
INOVASI PRODUK DAN LAYANAN [OJK F.26] PRODUCTS AND SERVICES INNOVATION Performance
[OJK F.26] Highlights
Pada tahun 2024, Bank terus melakukan inovasi serta In 2024, the Bank continued to innovate and develop
pengembangan produk dan layanan melalui transformasi products and services through digital transformation as an Management
digital sebagai upaya dalam menunjang pelaksanaan effort to support the implementation of sustainable business Report
kegiatan usaha yang berkelanjutan. Hal ini tidak hanya activities. This not only makes it easier for customers to make
memudahkan nasabah dalam melakukan transaksi, tetapi transactions but also indirectly helps reduce pollution and Company
juga secara tidak langsung dapat membantu pengurangan emissions due to fewer transportation activities. Profile
tingkat polusi dan emisi akibat berkurangnya aktivitas
transportasi.
Management
Discussion and
Pada aplikasi mobile banking SimobiPlus, Bank terus In the SimobiPlus mobile banking application, the Bank Analysis
mengembangkan berbagai fitur seperti pembukaan continues to develop various features such as online
rekening online, transaksi QRIS, pembayaran tagihan, dan account opening, QRIS transactions, bill payments, and Business
manajemen aset. Selain itu, Bank Sinamas juga melakukan asset management. In addition, Bank Sinamas also launched Support
peluncuran Sistem Originasi Pinjaman Usaha Mikro, Kecil, the Micro, Small, and Medium Enterprises (MSME) Loan Overview
dan Menengah (UMKM) yang merupakan otomatisasi proses Origination System, an end-to-end business process
bisnis end-to-end untuk originasi pinjaman, penilaian kredit, automation for loan origination, credit appraisal, guarantee, Corporate
penjaminan, dan persetujuan pinjaman. and loan approval. Governance
Sistem Originasi Pinjaman UMKM dirancang untuk The MSME Loan Origination System is designed to allow the SUSTAINABILITY
memungkinkan perseroan melakukan otomatisasi proses Company to automate the loan acquisition process, starting REPORT
akuisisi kredit, mulai dari input data prospek melalui aplikasi from the input of prospect data through the mobile application,
mobile, proses penilaian pinjaman, penilaian risiko otomatis loan appraisal process, automatic risk assessment, and the
hingga otomatisasi alur kerja persetujuan untuk menyetujui automation of approval workflow to approve or reject MSME
atau menolak aplikasi pinjaman UMKM. loan applications.
Berbagai inisiatif pada transformasi digital tersebut membawa Bank Sinarmas won two Indonesia Technology Excellence
Bank Sinarmas meraih dua penghargaan Indonesia Awards 2024 in Bangkok, Thailand, for various initiatives on
Technology Excellence Awards 2024 di Bangkok, Thailand. digital transformation.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 582
Bank Sinarmas Raih Penghargaan
Atas Pengembangan SimobiPlus
Bank Sinarmas Receives Awards for SimobiPlus Development
Bank Sinarmas meraih dua penghargaan Indonesia Bank Sinarmas received two Indonesia Technology
Technology Excellence Awards 2024 for Mobile-Banking Excellence Awards 2024, one for Mobile Banking for
for SimobiPlus Revamp dan Indonesia Technology SimobiPlus Revamp and one for Automation Banking
Excellence Award for Automation- Banking for MSME for MSME Loan Origination System, both in Bangkok,
Loan Origination System dalam Indonesia Technology Thailand.
Excellence Awards 2024 di Thailand, Bangkok.
Kedua penghargaan tersebut didapat atas keberhasilan Both awards were given for the successful development
pengembangan aplikasi mobile banking SimobiPlus, of the SimobiPlus mobile banking app and the launch of
serta peluncuran Sistem Originasi Pinjaman Usaha the Micro, Small, and Medium Enterprises (MSME) Loan
Mikro Kecil dan Menengah (UMKM) yang merupakan Origination System, which automates loan origination,
otomatisasi proses bisnis end-to-end untuk originasi credit appraisal, underwriting, and loan approval.
580 pinjaman, penilaian kredit, penjaminan, dan persetujuan
pinjaman.
Ikhtisar Kinerja
2024
Laporan DAMPAK PRODUK DAN LAYANAN IMPACT OF SUSTAINABLE FINANCE
Manajemen KEUANGAN BERKELANJUTAN [OJK F.28] PRODUCTS AND SERVICES [OJK F.28]
Bank Sinarmas berkomitmen untuk menerapkan keuangan Bank Sinarmas is committed to implementing sustainable
Profil Perusahaan berkelanjutan yang tercermin dalam Kredit Kegiatan Usaha finance, which is reflected in the Sustainable Business
Berkelanjutan (KKUB). Bank telah memiliki sistem audit Activity Credit (KKUB). The Bank has an internal audit system
Analisis dan
internal yang melaksanakan aktivitas audit internal terkait that carries out internal audit activities related to the negative
Pembahasan
Manajemen dampak negatif yang dihasilkan atas pembiayaan KKUB. impacts generated by KKUB financing.
Tinjauan Sepanjang tahun 2024, Bank tidak mencatat adanya Throughout 2024, the Bank did not record any negative
Pendukung Bisnis dampak negatif yang timbul akibat kegiatan bisnis keuangan impacts arising from sustainable finance business activities.
berkelanjutan.
Tata Kelola
Perusahaan
Dalam rangka mendukung komunikasi dan layanan tanpa In order to support unlimited communication and services to
batas kepada nasabah, Bank Sinarmas menyediakan customers, Bank Sinarmas provides “Bank Sinarmas CARE,”
LAPORAN
KEBERLANJUTAN “Bank Sinarmas CARE,” yaitu layanan call center selama a 24-hour call center service. Customers can contact this
24 jam. Nasabah dapat menghubungi layanan ini melalui service through the number 1500153 or (021) 501 88888.
nomor 1500153 atau (021) 501 88888. Layanan ini dapat This service can help answer questions, assist, and handle
membantu menjawab pertanyaan, memberikan bantuan, various problems related to Bank Sinarmas products and
dan menangani berbagai masalah terkait dengan produk services.
dan layanan Bank Sinarmas.
EVALUASI KEAMANAN PRODUK DAN PRODUCT AND SERVICE SAFETY
LAYANAN [OJK F.27] EVALUATION [OJK F.27]
Komitmen Bank terhadap evaluasi keamanan produk dan The Bank’s commitment to evaluating the safety of financial
layanan keuangan dicerminkan dengan dilakukannya audit products and services is reflected in the regular audits and
dan pengecekan rutin sebelum produk dan layanan tersebut checks conducted prior to their launch. The Bank works
diluncurkan. Dalam pelaksanaannya, Bank melibatkan with external parties on its implementation, including Bank
pihak eksternal, seperti Bank Indonesia dan Otoritas Jasa Indonesia and the Financial Services Authority.
Keuangan.
Bank senantiasa memastikan bahwa semua produk dan The Bank always ensures that all products and services
layanan memenuhi regulasi Otoritas Jasa Keuangan, comply with Financial Services Authority regulations,
termasuk UndangUndang No. 10 Tahun 1998 tentang including Law No. 10 of 1998 on the Amendment to Law
Perubahan atas UndangUndang No. 7 Tahun 1992 tentang No. 7 of 1992 on Banking and Financial Services Authority
Perbankan serta Peraturan Otoritas Jasa Keuangan No. 22 Regulation No. 22 of 2023 on Consumer and Community
Tahun 2023 tentang Pelindungan Konsumen dan Masyarakat Protection in the Financial Services Sector.
di Sektor Jasa Keuangan.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 583
Bank juga menjamin perlindungan privasi data nasabah The Bank also ensures the protection of customer data
dengan merujuk pada Undang-Undang No. 27 Tahun 2022 privacy by referring to Law No. 27 of 2022 on Personal Data
tentang Perlindungan Data Pribadi dan Peraturan Otoritas Protection and Financial Services Authority Regulation No.
Jasa Keuangan No. 22 Tahun 2023 tentang Pelindungan 22 of 2023 on Consumer and Community Protection in the
Konsumen dan Masyarakat di Sektor Jasa Keuangan. Financial Services Sector. In relation to risk management, the
Terkait dengan manajemen risiko, SKMR melakukan kajian Risk Management Unit (SKMR) conducts a risk assessment of
risiko terhadap rencana penerbitan produk dan aktivitas the plan to issue new products and activities in accordance
baru sesuai Peraturan Otoritas Jasa Keuangan No. 18/ with the Financial Services Authority Regulation No. 18/
POJK.03/2016 tentang Penerapan Manajemen Risiko bagi POJK.03/2016 concerning the Implementation of Risk
Bank Umum dan Peraturan Pelaksanaannya. Management for Commercial Banks and its Implementing
Regulations.
PRIVASI DATA [GRI 418-1] DATA CONFIDENTIALITY [GRI 418-1]
Pada era digital yang semakin terhubung, perlindungan data In the increasingly connected digital era, data privacy
privasi menjadi salah satu pilar utama dalam membangun protection has become one of the main pillars of building
kepercayaan nasabah. Bank Sinarmas berkomitmen
untuk menjaga kerahasiaan dan keamanan data nasabah
customer trust. Bank Sinarmas is committed to maintaining
the confidentiality and security of customer data through the
581
melalui penerapan standar perlindungan data yang ketat implementation of strict data protection standards and in
2024
dan sesuai dengan regulasi yang berlaku. Bank terus accordance with applicable regulations. The Bank continues Performance
meningkatkan infrastruktur teknologi dan kebijakan internal to improve technology infrastructure and internal policies to Highlights
untuk memastikan bahwa informasi pribadi nasabah dikelola ensure that customers’ personal information is managed with
dengan transparansi, tanggung jawab, dan integritas tinggi. transparency, responsibility, and high integrity. Management
Report
Dalam mengelola privasi data nasabah, Bank memiliki In managing customer data privacy, the Bank has a Privacy
Kebijakan Privasi yang menguraikan secara transparan Policy that transparently elaborates how the Bank collects, Company
bagaimana cara Bank mengumpulkan, menyimpan, stores, processes, analyzes, and uses customer personal Profile
mengolah, menganalisis, dan menggunakan data pribadi data. During 2024, the Bank has no cases related to
nasabah. Adapun selama tahun 2024, Bank tidak memiliki customer data leakage.
Management
kasus terkait kebocoran data nasabah. Discussion and
Analysis
Informasi lebih lengkap terkait Kebijakan Privasi dapat dilihat Please see more complete information related to the Privacy
pada website Bank Sinarmas dengan tautan https://www. Policy on the Bank Sinarmas website with the following Business
banksinarmas.com/id/layanan/simobi-plus-kebijakanprivasi link https://www.banksinarmas.com/id/layanan/simobi-plus- Support
kebijakanprivasi Overview
PENARIKAN PRODUK DAN LAYANAN [OJK F.29] PRODUCT AND SERVICE RECALLS [OJK F.29] Corporate
Sepanjang tahun taun 2024, tidak ada produk atau layanan Throughout 2024, no Bank products or services have been Governance
dari Bank yang ditarik dari peredaran. Hal ini dikarenakan withdrawn from circulation. It is because Bank Sinarmas’
produk dan layanan yang ditawarkan oleh Bank Sinarmas products and services do not violate regulatory provisions, SUSTAINABILITY
tidak melanggar ketentuan regulator, dilengkapi dengan are equipped with an adequate data security system, and REPORT
sistem keamanan data yang memadai, dan masih diminati continue to be in high demand among customers.
oleh nasabah.
MEKANISME PENGADUAN MASYARAKAT MECHANISM FOR PUBLIC AND
DAN KELUHAN NASABAH [OJK F.16][OJK F.24] CUSTOMER COMPLAINTS [OJK F.16][OJK F.24]
Bank menyediakan beberapa kanal pengaduan bagi The Bank provides several grievance channels for the
masyarakat apabila menemukan tindakan menyimpang community if they find any deviant actions related to the
terkait pelaksanaan program pengembangan sosial dan implementation of social and community development
kemasyarakatan. Kanal-kanal tersebut dapat juga digunakan programs. These channels can also be used to receive
untuk menerima keluhan dari nasabah terkait produk dan complaints from customers regarding products and services
layanan yang ditawarkan oleh Bank. offered by the Bank.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 584
Kanal layanan yang tersedia adalah: The available service channels are:
1. Kantor Cabang; 1. Branch Offices;
2. Bank Sinarmas CARE di Nomor 1500153/021 - 50188888 2. Bank Sinarmas CARE at Number 1500153/021 - 50188888
3. E-mail care@banksinarmas.com; 3. E-mail care@banksinarmas.com;
4. Agent chat di situs web: www. banksinarmas.com; 4. Agent chat on the website: www. banksinarmas.com;
5. Facebook; 5. Facebook;
6. WhatsApp di nomor 08822-1500-153; 6. WhatsApp at number 08822-1500-153;
7. Twitter (“sekarang dikenal dengan nama “X”); 7. Twitter (“now known as “X”);
8. Tiktok dan 8. Tiktok, and
9. Instagram resmi Bank Sinarmas. 9. Official Instagram of Bank Sinarmas.
Seluruh laporan yang diterima Bank akan ditindaklanjuti All reports received by the Bank will be followed up properly
dengan baik dan objektif, tanpa adanya diskriminasi, and objectively, without any discrimination, by the Contact
oleh Divisi Contact Center, Telemarketing, dan Consumer Center, Telemarketing, and Consumer Protection Division
Protection dengan merujuk pada kebijakan SK.036/2024/ by referring to the policy SK.036/2024/DIR5-ContactCenter-
582 DIR5-ContactCenter - Standard Operating Procedure (SOP)
tentang Penanganan Pengaduan Nasabah Bank Sinarmas
Standard Operating Procedure (SOP) on Customer Complaint
Handling of Bank Sinarmas Version 5.0. This is also used as
Ikhtisar Kinerja
Versi 5.0. Hal ini juga dijadikan sebagai bahan evaluasi an internal evaluation material for future business continuity.
2024 internal demi keberlangsungan usaha di masa mendatang.
Laporan Apabila terdapat pengaduan ataupun masukan terkait If there are any complaints or inputs about the positive and/
Manajemen dampak positif dan/atau negatif dari penerapan keuangan or negative effects of the implementation of sustainable
berkelanjutan, dapat pula disampaikan melalui situs finance, they can be submitted via the Financial Services
Profil Perusahaan web konsumen Otoritas Jasa Keuangan/Sistem Layanan Authority’s consumer website/Integrated Service System in
Terintegrasi di sektor jasa keuangan, media massa, media the financial services sector, mass media, social media, or in
Analisis dan
sosial, atau tatap muka di seluruh Kantor Cabang Bank person at any Bank Sinarmas Branch Office.
Pembahasan
Manajemen Sinarmas.
Tinjauan Pada tahun 2024, laporan yang diterima berkaitan dengan: In 2024, the reports received are related to:
Pendukung Bisnis
1. Mobile Banking 1. Mobile Banking
2. ATM/Kartu Debit 2. ATM/Debit Card
Tata Kelola 3. Internet Banking 3. Internet Banking
Perusahaan
4. QRIS 4. QRIS
5. Kartu Kredit 5. Credit Card
LAPORAN
KEBERLANJUTAN 6. Direct Debit 6. Direct Debit
7. Uang Elektronik 7. Electronic Money
Sepanjang tahun 2024, Divisi Contact Center, Telemarketing, Throughout 2024, the Contact Center, Telemarketing, and
dan Consumer Protection mencatat 13.229 laporan Consumer Protection Division received 13,229 complaints
pengaduan terkait produk dan layanan. Di mana 13.027 about products and services. 13,027 reports were declared
laporan di antaranya dinyatakan selesai pada 2024, dan 202 completed in 2024, with the remaining 202 reports being
laporan sisanya ditindaklanjuti pada Januari 2025. Dari 202 followed up in January 2025. Of the 202 reports, 192 were
laporan tersebut, 192 telah dinyatakan selesai pada Januari declared complete in January 2025, leaving 10 reports that
2025 sehingga tersisa 10 laporan yang masih dalam tahap remained in progress during the preparation of this report.
penanganan saat laporan ini disusun.
Adapun rata-rata jenis pengaduan yang diterima adalah The most common types of complaints are about mobile
mengenai kendala Mobile Banking, kendala Transaksi ATM, banking issues, ATM transactions, internet banking, QRIS,
Internet Banking, QRIS, Kartu Kredit, Direct Debit dan Uang credit cards, direct debit, and electronic money. The following
Elektronik. Berikut adalah uraian keluhan terhadap produk are common complaints about these products and services:
dan layanan:
Laporan Tahunan & Keberlanjutan
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PT. Bank Sinarmas Tbk. 2024
Page 585
Uraian 2024 2023 2022
Description
Selesai Sedang Jumlah Selesai Jumlah keluhan Selesai Jumlah keluhan
Finished ditindaklanjuti keluhan Finished Total complaints Finished Total complaints
Being Followed up Total complaints
Produk dan/atau 13.027 202 13.229 13.171 13.171 33.173 33.173
layanan
Product and/or
service
MENJALIN HUBUNGAN YANG BAIK ESTABLISHING GOOD RELATIONSHIP WITH
DENGAN MITRA BISNIS ATAU REKANAN BUSINESS PARTNERS OR ASSOCIATES
Dalam melaksanakan usahanya, Bank melibatkan mitra bisnis In conducting its business, the Bank involves business
atau rekanan dalam proses pengadaan barang dan/atau partners or associates in the procurement of goods and/or
jasa. Maka dari itu, Bank bertekad dan berupaya menjaga services. Therefore, the Bank is determined and strives to
hubungan baik dengan mitra bisnis atau rekanan dengan maintain good relations with business partners or associates
menjunjung tinggi prinsip-prinsip keadilan dan transparansi by upholding the principles of fairness and transparency
tanpa terkecuali. without exception.
583
Rincian terkait jumlah mitra bisnis atau rekanan diungkapkan Details related to the number of business partners or
2024
pada tabel berikut: associates are disclosed in the following table: Performance
Highlights
2024 2023
Kelompok Mitra Bisnis Management
atau Rekanan Report
Group of Business Jumlah Entitas Persentase Jumlah Entitas Persentase
Partners or Associates Total Entity Percentage Total Entity Percentage
Company
Profile
Nasional
177 98,8% 149 96,8%
National
Luar Negeri Management
4 2,2% 5 3,2%
Overseas Discussion and
Analysis
Jumlah
181 100% 154 100%
Total
Business
Support
Overview
Corporate
Governance
SUSTAINABILITY
REPORT
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 586
MENINGKATKAN KEPEDULIAN
TERHADAP LINGKUNGAN
Increasing Concern for the Environment
Dalam menjalankan kegiatan usaha perbankan, Bank In carrying out its banking business activities, Bank Sinarmas
Sinarmas tidak bersinggungan langsung dengan lingkungan does not directly interact with the environment, thus, it
hidup sehingga tidak memiliki dampak negatif terhadap does not have any negative impact on the environment.
lingkungan. Namun demikian, Bank menyadari posisi Nevertheless, the Bank is aware of the important position of
penting perbankan dalam melakukan pembiayaan terhadap banking in financing activities that have a direct impact on the
kegiatan-kegiatan yang berdampak langsung terhadap environment. Furthermore, the Bank also continues to strive
584 lingkungan. Selain itu, Bank juga tetap berupaya menjalankan
praktik operasional perbankan yang ramah lingkungan atau
to implement environmentally friendly banking operational
practices or the green banking concept.
Ikhtisar Kinerja
konsep green banking.
2024
Oleh karena itu, Bank telah merumuskan dan mengupayakan Consequently, the Bank has formulated and pursued a series
Laporan serangkaian kebijakan yang mencakup pelaksanaan of policies that include the implementation of environmentally
Manajemen kegiatan operasional perbankan yang ramah lingkungan. friendly banking operational activities. Some of these policies
Beberapa kebijakan tersebut adalah: are:
Profil Perusahaan 1. SK.008/2020/DIR5-GA tentang Petunjuk Pelaksanaan 1. SK.008/2020/DIR5-GA concerning Guidelines for
Penghematan Kertas, Listrik, dan Air; Implementation Paper, Electricity, and Water Conservation
Analisis dan
Measures;
Pembahasan
Manajemen 2. Surat Edaran No.SE.005/2022/PRESDIR-HCSS 2. Circular Letter No.SE.005/2022/PRESDIR-HCSS
tentang komunitas karyawan, dimana Perusahaan regarding employee communities, where the Company
Tinjauan telah mewajibkan seluruh Komunitas Karyawan dalam has required all Employee Communities in carrying out
Pendukung Bisnis menjalankan kegiatannya wajib mendukung kelestarian their activities to support environmental sustainability or
lingkungan atau go green. go green.
Tata Kelola
Perusahaan
PENGGUNAAN MATERIAL YANG RAMAH UTILIZATION OF ENVIRONMENTALLY
LAPORAN
LINGKUNGAN [OJK F.5] FRIENDLY MATERIALS [OJK F.5]
KEBERLANJUTAN Bank Sinarmas memegang teguh komitmen untuk bertindak Bank Sinarmas firmly holds a commitment to act responsibly
secara bertanggung jawab terhadap lingkungan dalam towards the environment in carrying out its business
menjalankan kegiatan operasional usahanya. Salah satu operations. One form of this commitment is the utilization
bentuk komitmen ini adalah menggunakan material yang of environmentally friendly materials. Several initiatives
ramah lingkungan. Beberapa inisiatif penggunaan material in environmentally friendly practices that the Bank
ramah lingkungan yang diterapkan Bank adalah melalui has implemented are through the promotion of digital
transformasi digital dan pengembangan sistem berbasis transformation and the development of digital-based
digital serta teknologi informasi dalam penerapan keuangan systems and information technology in the application of
berkelanjutan. sustainable finance.
Dengan komitmen transformasi digital, Bank Sinarmas dapat Through a commitment to digital transformation, Bank
memberikan layanan dan/atau produk keuangan yang Sinarmas can provide financial services and/or products that
lebih cepat dan mudah diakses oleh nasabah, sekaligus are faster and more easily accessible to customers, while
mengurangi penggunaan kertas dan limbah elektronik yang reducing paper usage and electronic waste that have the
berpotensi merugikan lingkungan. Penggunaan sistem ini potential to harm the environment. The use of this system
tidak hanya bertujuan untuk mengurangi risiko lingkungan, is not only intended to reduce environmental risks, such
seperti polusi, tetapi juga meningkatkan efisiensi operasional as pollution, but also to enhance the Bank’s operational
Bank. efficiency.
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 587
PENGGUNAAN ENERGI DAN EMISI ENERGY AND EMISSION CONSUMPTION
Sebagai bagian dari komitmen terhadap praktik bisnis As part of the commitment to sustainable business practices
berkelanjutan dan mendukung pencapaian target Net Zero and to support the achievement of the Net Zero Emission
Emission, Bank Sinarmas secara konsisten melakukan upaya target, Bank Sinarmas consistently makes efforts to reduce
pengurangan konsumsi energi dan emisi karbon. Bank energy consumption and carbon emissions. The Bank
meyakini bahwa kontribusi dunia usaha sangat penting believes that the contribution of the business world is very
dalam menghadapi tantangan perubahan iklim. important in facing the challenges of climate change.
Sebagai bagian dari komitmen terhadap praktik bisnis As part of the commitment to sustainable business practices
berkelanjutan dan mendukung pencapaian target Net Zero and to support the achievement of the Net Zero Emission
Emission, Bank Sinarmas secara konsisten melakukan upaya target, Bank Sinarmas consistently makes efforts to reduce
pengurangan konsumsi energi dan emisi karbon. Bank energy consumption and carbon emissions. The Bank
meyakini bahwa kontribusi dunia usaha sangat penting believes that the contribution of the business world is very
dalam menghadapi tantangan perubahan iklim. important in facing the challenges of climate change.
Pada aktivitas operasional perbankan, Bank Sinarmas
menggunakan dua sumber daya utama, yaitu listrik dan
In banking operational activities, Bank Sinarmas uses two
main resources, namely electricity and fuel. The Bank uses
585
bahan bakar minyak (BBM). Bank menggunakan energi listrik electricity provided by the State Electricity Company (PLN)
2024
yang disediakan oleh Perusahaan Listrik Negara (PLN) untuk to operate office electronic equipment, air conditioners (AC), Performance
mengoperasikan peralatan elektronik kantor, pendingin lighting, and elevator needs. Meanwhile, through the nearest Highlights
ruangan (air conditioner/AC), penerangan, serta kebutuhan Gas Station (SPBU), fuel is obtained and is used to fulfill the
lift. Sementara itu, melalui Stasiun Pengisian Bahan Bakar fuel requirements of operational vehicles and generators. Management
Umum (SPBU) terdekat, kebutuhan BBM yang digunakan Report
untuk memenuhi kebutuhan bahan bakar kendaraan
operasional termasuk juga kebutuhan bahan bakar genset. Company
Profile
Bank menyadari dengan waktu operasional Bank yang The Bank realizes that with the Bank’s current operational
berlaku saat ini, Bank tidak dapat menghindari tingginya hours, high energy consumption is inevitable. Therefore,
Management
konsumsi energi. Maka dari itu, Bank Sinarmas berupaya Bank Sinarmas makes maximum efforts to practice energy Discussion and
secara maksimal praktik efisiensi energi dalam mengurangi efficiency in reducing environmental impacts and preserving Analysis
dampak lingkungan dan menjaga ketersediaan sumber energy resources. The Bank seeks to reduce greenhouse
daya energi. Bank berupaya mengurangi emisi gas rumah gas emissions indirectly by enhancing operational efficiency. Business
kaca secara tidak langsung dengan meningkatkan efisiensi This is done by adopting responsible energy consumption Support
operasional. Hal ini dilaksanakan dengan mengadopsi pola patterns. Overview
konsumsi energi yang bertanggung jawab.
Corporate
Sepanjang tahun 2024, inisiatif yang telah dilakukan untuk In 2024, initiatives that were carried out to support energy Governance
mendukung program efisiensi energi dan emisi antara lain: efficiency and emission programs include:
[OJK F.7][OJK F.12] SUSTAINABILITY
1. Pengaturan pemakaian pendingin ruangan dan lampu, 1. Managing air conditioning and lighting usage, as well REPORT
serta penggunaan lampu Light Emitting Diode (LED) di as the use of Light Emitting Diode (LED) lights in several
beberapa wilayah operasional. operational areas.
2. Penggunaan sumber energi terbarukan yang berasal dari 2. Utilizing renewable energy sources from solar panels at
panel surya di Kantor Cabang Klampis dan Diponegoro. the Klampis and Diponegoro Branch Offices.
3. Penggunaan motor listrik sebagai pengganti kendaraan 3. Utilizing electric motorcycles as a substitute for fossil
berbahan bakar fosil dalam kegiatan operasional di fuel vehicles in operational activities at several branch
beberapa kantor cabang. offices.
4. Pelaksanaan rapat atau pertemuan secara daring 4. Implementing online meetings or gatherings to reduce
sehingga mengurangi penggunaan kendaraan the use of office operational vehicles.
operasional kantor.
5. Penyediaan ruang terbuka hijau di sekitar wilayah kantor. 5. Providing green open spaces around office areas.
Laporan Tahunan & Keberlanjutan
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2024 PT. Bank Sinarmas Tbk.
Page 588
Biaya Penggunaan Energi [OJK F.4]
Energy Usage Costs
Satuan
Uraian 2024 2023 2022 Description
Unit
Listrik Rp Juta 1.799 2.951 3.925 Electricity
Rp Million
Bahan Bakar Minyak Rp Juta 309 354 156 Fuel
Rp Million
Jumlah Rp Juta 2.108 3.305 4.081 Total
Rp Million
Biaya Penggunaan Rp Juta 1.197 776 1.281 Energy Usage Cost
Energi Rp Million
Penggunaan Energi Tidak Terbarukan [OJK F.6][GRI 302-1][GRI 302-3]
Non-Renewable Energy Usage
Uraian Satuan 2024 2023 2022 Description
Unit
586 Listrik kWh 527.220 402.789 462.594 Electricity
GJ 1.897,99 1.450,04 1.665,34
Ikhtisar Kinerja
2024
Laporan Penggunaan Energi Terbarukan [OJK F.6][GRI 302-1][GRI 302-3]
Manajemen Renewable Energy Usage
Uraian Satuan 2024 2023 2022 Description
Profil Perusahaan Unit
Panel Surya kWh 26.654 25.766 39.970 Solar Panels
Analisis dan
GJ 95,95 92,76 143,89
Pembahasan
Manajemen • Cakupan penghitungan di Kantor Cabang Klampis dan Diponegoro
• Pernyataan kembali tahun 2022 dan 2023
• Calculation coverage at Klampis and Diponegoro Branch Offices
Tinjauan • Restatement in 2022 and 2023
Pendukung Bisnis
Total Penggunaan Energi [OJK F.6][GRI 302-1][GRI 302-3]
Tata Kelola Total Energy Usage
Perusahaan
Uraian Satuan 2024 2023 2022 Description
Unit
LAPORAN
Energi Tidak Terbarukan GJ 1.897,99 1.450,04 1.665,34 Non-Renewable Energy
KEBERLANJUTAN
Energi Terbarukan GJ 95,95 92,76 143,89 Renewable Energy
Total GJ 1.993,94 1.542,80 1.809,23 Total
Intensitas Energi GJ/Rp Juta 0,00077 0,00059 0,00071 Energy Intensity
GJ/Rp Million
Jumlah Emisi yang Dihasilkan [OJK F.11]
Total Emissions Generated
Uraian Satuan 2024 2023 2022 Description
Unit
Cakupan 2 TonCO2 eq 416,50 318,20 365,45 Scope 2
Jumlah emisi TonCO2 eq 416,50 318,20 365,45 Total Emissions
Intensitas Emisi TonCO2 eq/ Rp 0,00016 0,00012 0,00014 Emission intensity
Juta
TonCO2 eq/Rp
Million
Catatan: Pernyataan kembali untuk tahun 2022 dan 2023
Note: Restatement for 2022 and 2023
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Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 589
Efisiensi Air Water Efficiency
Dalam pemenuhan air bersih, Bank memanfaatkan air yang In fulfilling clean water, the Bank utilizes water from the
berasal dari Perusahaan Daerah Air Minum (PDAM). Selain Regional Drinking Water Company (PDAM). In addition
untuk memenuhi keperluan kebersihan, air juga digunakan to fulfill cleanliness needs, water is also used to support
untuk menunjang kegiatan beribadah dan lainnya. Salah satu religious activities and others. One of the Bank’s efforts to
upaya efisiensi penggunaan air yang dilakukan Bank adalah efficiently use water is to socialize the wise use of water to all
melakukan sosialisasi penggunaan air secara bijak kepada employees and customers. Moreover, the Bank carries out
seluruh karyawan dan nasabah. Selain itu, Bank melakukan regular maintenance by inspecting taps and water pipelines
perawatan secara berkala dengan melakukan pemeriksaan to prevent leaks.
keran dan pipa saluran air untuk menghindari kebocoran.
Dalam pencatatan pelaporan, Bank belum dapat In reporting recording, the Bank has not been able to identify
mengidentifikasi penggunaan air berdasarkan satuan water usage based on metric units because water recording
metrik karena pencatatan air berasal dari pihak gedung. comes from the building. However, the Bank still reports
Meski demikian, Bank tetap melaporkan penggunaan air water usage based on costs incurred for one year. The scope
berdasarkan biaya yang dikeluarkan selama satu tahun.
Adapun cakupan penghitungan penggunan air berasal dari
of water usage calculations comes from KNPO Roxy Square.
587
KNPO Roxy Square.
2024
Performance
Biaya Penggunaan Air [OJK F.8] Highlights
Water Expense
Uraian Satuan 2024 2023 2022 Description
Management
Unit
Report
PDAM Rp Juta 36,16 39,73 26 Regional Drinking
Rp Million Water Company
(PDAM). Company
Profile
PENGELOLAAN LIMBAH [OJK F.13][OJK F.14] WASTE MANAGEMENT [OJK F.13][OJK F.14] Management
Aktivitas operasional perbankan Bank Sinarmas tidak Bank Sinarmas’ operational banking activities do not Discussion and
menghasilkan limbah berbahaya. Namun, kegiatan generate any hazardous waste. Nevertheless, office activities Analysis
perkantoran tetap menghasilkan sampah kering seperti still produce dry waste such as paper and wet waste such
kertas maupun sampah basah seperti sisa makanan. Sampah- as food scraps. The waste is then managed by the building Business
sampah tersebut kemudian dikelola oleh pihak gedung to be processed in accordance with applicable regulations. Support
untuk diolah sesuai dengan peraturan yang berlaku. Selain Additionally, Bank Sinarmas also took the initiative to socialize Overview
itu, Bank Sinarmas juga berinisiatif melakukan sosialisasi the implementation of the paperless concept in operational
penerapan konsep paperless dalam kegiatan operasional activities to reduce paper usage. Corporate
untuk mengurangi penggunaan kertas. Governance
Uraian 2024 2023 2022 Description SUSTAINABILITY
REPORT
Jumlah Limbah Kertas (Ton) 4,53 3,75 1,71 Total Paper Waste (Tons)
KEANEKARAGAMAN HAYATI [OJK F.9][OJK F.10] BIODIVERSITY [OJK F.9][OJK F.10]
Sejauh ini, wilayah kegiatan operasional Bank tidak So far, the Bank’s operational areas are not located
berada pada lokasi yang berdekatan atau bersinggungan near to or adjacent to protected areas or areas with high
dengan area yang dilindungi maupun kawasan yang biodiversity. Nonetheless, the Bank consistently supports the
memiliki keanekaragaman hayati tinggi. Namun begitu, implementation of Green Office and the availability of green
Bank senantiasa mendukung adanya pelaksanaan Green open spaces in the Bank’s operational environment and
Office dan tersedianya ruang terbuka hijau di lingkungan carries out environmental conservation activities as follows:
operasional Bank serta melakukan kegiatan pelestarian
lingkungan sebagai berikut:
• Program Diseminasi Aplikasi Olah Limbah Peternakan • Disseminating Livestock Waste and Organic Waste
dan Sampah Organik Basis Teknologi Konsorsium MOL Processing Applications based on MOL Biotaro
Biotaro untuk Pangan Sehat di Kabupaten Gianyar, Bali Consortium Technology for Healthy Food in Gianyar
Regency, Bali
• Penanaman Bibit Bambu di Area sekitar Pabrik Tjiwi • Planting Bamboo Seedlings in the Area around the Tjiwi
Kimia oleh Bank Sinarmas KC Mojokerto Kimia Factory by Bank Sinarmas KC Mojokerto
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 590
REALISASI BIAYA TJSL [OJK F.4] REALIZATION OF TJSL COSTS [OJK F.4]
Rincian biaya kegiatan untuk kegiatan Tanggung Jawab Details of activity costs for Social and Environmental
Sosial dan Lingkungan (TJSL) tahun 2024 adalah sebagai Responsibility (CSER) activities in 2024 are as follows:
berikut:
Uraian 2024 2023 2022 Description
Sosial dan Rp1.785.555.503 Rp2.482.888.766 Rp2.171.537.156 (Konvensional/ Social and Community
Kemasyarakatan (Konvensional/ Conventional) Conventional)
Rp331.500.000 (UUS) Rp223.556.000 (UUS)
Kesehatan dan Rp27.000.000 Rp18.802.500 (Konvensional/ Rp18.000.000 (Konvensional/ Occupational Health and
Keselamatan kerja (K3) Conventional) Conventional) Safety (OHS)
Pendidikan Rp187.217.761 Rp157.290.000 (Konvensional/ Rp190.996.800 Education
Conventional) Rp21.528.780 (Konvensional/ Conventional)
(UUS) Rp20.535.000 (UUS)
Lingkungan hidup Rp397.005.558 Rp303.387.000 Rp297.135.000 Environment
588 (Konvensional/ Conventional) (Konvensional/ Conventional)
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan
Pendukung Bisnis
Tata Kelola
Perusahaan
LAPORAN
KEBERLANJUTAN
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 591
LEMBAR UMPAN BALIK
Feedback Form
Setelah membaca Laporan Tahunan PT. Bank Sinarmas Tbk., After reading the Annual Report of PT. Bank Sinarmas Tbk.,
kami mohon kesediaan para pemangku kepentingan untuk we kindly request stakeholders to provide feedback by
memberikan umpan balik dengan mengirim e-mail. sending an email.
Pertanyaan Setuju Tidak Setuju
Questions Agree Disagree
Laporan ini telah memberikan informasi yang bermanfaat mengenai kinerja ekonomi, sosial, dan lingkungan Bank.
This report has provided useful information on economic, social, and environmental performance of the company.
Data dan informasi yang diungkapkan mudah dipahami, lengkap, transparan, dan berimbang. 589
Data and information disclosed are easy to understand, complete, transparent, and balanced.
Data dan informasi yang disajikan berguna dalam pengambilan keputusan. 2024
Data and information presented are useful for making decision.
Performance
Laporan ini menarik dan mudah dibaca. Highlights
This report is interesting and easy to read.
Mohon berikan nilai mengenai aspek yang terdapat Please score on aspects presented in this report Management
dalam laporan ini (nilai 1 = paling penting, 2 = penting, (1 = most important, 2 = important, 3 = less important, Report
3 = tidak penting, 4 = sangat tidak penting). 4 = least important).
Company
Nilai Ekonomi Langsung yang Dihasilkan dan Distribusikan Pengembangan Kompetensi Karyawan
Profile
Direct Economic Value Generated and Distributed Employee Competency Development
Digitalisasi Produk dan Layanan Literasi dan Inklusi Keuangan
Product and Service Digitalization Financial Literacy and Inclusion
Management
Anti-Fraud, Anti-Korupsi, dan APU-PPT Penggunaan Energi Discussion and
Anti-fraud, Anti-Corruption, and AML-CTF Energy Usage Analysis
Privasi Nasabah Penggunaan Kertas
Customer Privacy Paper Usage
Business
Mohon berikan komentar/saran/usulan bagi laporan ini. Please provide your comments/suggestions/ideas for this report. Support
Overview
Profil Anda | Your Profile
Nama / Name Corporate
Governance
Pekerjaan / Occupation
SUSTAINABILITY
Institusi/Perusahaan / Institution/Companny REPORT
Kontak (telepon, e-mail) / Contact (Phone, e-mail)
Kategori Pemangku Kepentingan | Category of Stakeholder
Pemerintah | Government Pelanggan | Customer Karyawan | Employee Mitra Kerja | Business Partners
Media Masyarakat | Community LSM | NGO Lain-Lain, …. | Others
Saran dan tanggapan yang Anda berikan atas informasi yang Please send your suggestion and response to the information
disajikan dalam laporan ini mohon dikirimkan kepada: presented in this report to:
Sinar Mas Land Plaza Tower I, Lt. 1 & 2
Retno Tri Wulandari Jl. MH Thamrin Kav. 51 Jakarta 10350
T: +62 21 3199 0101
Sekretaris Perusahaan
F: +62 21 3199 0401
Corporate Secretary
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 592
590
Ikhtisar Kinerja
2024
Laporan
Manajemen
Profil Perusahaan
Analisis dan
Pembahasan
Manajemen
Tinjauan Halaman ini sengaja dikosongkan.
Pendukung Bisnis This page was intentionally left blank.
Tata Kelola
Perusahaan
LAPORAN
KEBERLANJUTAN
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 593
TANGGAPAN TERHADAP UMPAN
BALIK TAHUN SEBELUMNYA [OJK G.4]
Response to Feedback from Previous Year’s
Sustainability Report
Bank Sinarmas tidak menerima umpan balik atau masukan Bank Sinarmas did not receive feedback or input from
dari pemangku kepentingan terkait Laporan Tahunan dan stakeholders regarding the Annual and Sustainability Reports
Keberlanjutan untuk tahun buku 2023. Akan tetapi, Bank for the fiscal year 2023. However, the Bank is committed
berkomitmen untuk memaksimalkan kualitas penyampaian to maximizing the quality of the Annual and Sustainability
Laporan Tahunan dan Laporan Keberlanjutan setiap tahun Reports each fiscal year.
buku.
591
2024
Performance
Highlights
Management
Report
Company
Profile
Management
Discussion and
Analysis
Business
Support
Overview
Corporate
Governance
SUSTAINABILITY
REPORT
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 594
INDEKS ISI GRI - DENGAN REFERENSI
GRI Content Index – with Reference
Pernyataan penggunaan PT Bank Sinarmas Tbk telah melaporkan informasi yang dikutip dalam indeks GRI ini untuk periode 1 Januari-31
Statement of use Desember 2024 dengan mengacu pada Standar GRI
PT Bank Sinarmas Tbk has reported the information cited in this GRI content index for the period January 1st-
December 31st 2024 with reference to the GRI Standards.
GRI 1 used GRI 1: Foundation 2021
592 GRI Standard
Pengungkapan Lokasi Halaman
Disclosure Page Location
Ikhtisar Kinerja GRI 2 2-1 Informasi Organisasi 48
2024 Organization Details
2-2 Entitas yang Termasuk dalam Laporan Keuangan Dikonsolidasi Entities Included in the 540
Laporan Consolidated Financial Statement
Manajemen 2-3 Periode Pelaporan, Frekuensi, dan Titik Kontak 540
Reporting Period, Frequency and Contact Point
Profil Perusahaan 2-4 Pernyataan Kembali Informasi 540
Restatement of Information
Analisis dan 2-5 Verifikasi Pihak Eksternal 540
Pembahasan External Assurance
Manajemen 2-6 Kegiatan, Rantai Pasokan, dan Hubungan Bisnis Lainnya 48, 58, 60
Activities, Value Chain and Other Business Relationships
Tinjauan 2-7 Karyawan 83
Pendukung Bisnis Employees
2-8 Pekerja Bukan Karyawan 83
Tata Kelola Workers Who Are Not Employees
Perusahaan 2-9 Struktur Tata Kelola dan Komposisi 558
Governance Structure and Composition
LAPORAN 2-10 Nominasi dan Seleksi Badan Tata Kelola Tertinggi 292
KEBERLANJUTAN Nomination and Selection of the Highest Governance Body
2-11 Ketua Badan Tata Kelola Tertinggi 250
Chair of the Highest Governance Body
2-12 Peran Badan Tata Kelola Tertinggi dalam Mengawasi Pengelolaan Dampak 558
Role of the Highest Governance Body in Overseeing the Management of Impacts
2-13 Delegasi Tanggung Jawab untuk Mengelola Dampak 558
Delegation of Responsibility for Managing Impacts
2-14 Peran Badan Tata Kelola Tertinggi dalam Laporan Keberlanjutan 558
Role of the Highest Governance Body in Sustainability Reporting
2-15 Konflik Kepentingan 258, 272
Conflict of Interest
2-16 Komunikasi Hal-hal Kritis 410
Communication of Critical Concern
2-17 Pengetahuan Kolektif Badan Tata Kelola Tertinggi 559
Collective Knowledge of the Highest Governance Body
2-18 Evaluasi Kinerja Badan Tata Kelola Tertinggi 282
Evaluation of the Performance of the Highest Governance Body
2-19 Kebijakan Remunerasi 292
Remuneration Policies
2-20 Proses Menentukan Remunerasi 292
Process to Determine Remuneration
2-21 Rasio Kompensasi Total Tahunan 295
Annual Total Compensation Ratio
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 595
Pengungkapan Lokasi Halaman
GRI Standard
Disclosure Page Location
2-22 Pernyataan Tentang Strategi Pembangunan Berkelanjutan 34
Statement on Sustainable Development Strategy
2-23 Komitmen Kebijakan 542
Policy Commitments
2-24 Menerapkan Komitmen Kebijakan 542
Embedding Policy Commitments
2-25 Proses untuk Memulihkan Dampak Negatif 560
Processes to Remediate Negative Impacts
2-26 Mekanisme untuk Mencari Saran dan Menyampaikan Kekhawatiran 410
Mechanism for Seeking Advice and Raising Concern
2-27 Kepatuhan Terhadap Regulasi dan Hukum 563
Compliance with Laws and Regulations
2-28 Keanggotaan Asosiasi 63
Membership Associations
2-29 Pendekatan Pelibatan Pemangku Kepentingan 545
GRI 3 3-1
Approach to Stakeholder Engagement
Proses Menentukan Topik Material 541
593
Process to Determine Material Topics
2024
3-2 Daftar Topik Material 541
List of Material Topics Performance
Highlights
EKONOMI | ECONOMIC
GRI 3 3-3 Pengelolaan Topik Material 117
Management of Material Topics Management
Report
GRI 201 201-1 Nilai Ekonomi yang Diperoleh dan Didistribusikan 8
Kinerja Ekonomi Direct Economic Value Generated and Distributed
Economic Performance
Company
GRI 3 3-3 Pengelolaan Topik Material 561 Profile
Management of Material Topics
GRI 205 205-2 Komunikasi dan Pelatihan Tentang Kebijakan dan Prosedur Anti-korupsi 561
Anti-korupsi Communication and Training About Anti-corruption Policies and Procedures Management
Anti-corruption Discussion and
Analysis
LINGKUNGAN | ENVIRONMENT
GRI 3 3-3 Pengelolaan Topik Material 585
Management of Material Topics Business
Support
GRI 302 302-1 Konsumsi Energi dalam Organisasi 586
Energi Energy Consumption Within the Organization Overview
Energy
302-3 Intensitas Energi 586
Energy Intensity Corporate
SOSIAL | SOCIAL Governance
GRI 3 3-3 Pengelolaan Topik Material 568
Management of Material Topics
SUSTAINABILITY
GRI 404 404-1 Rata-Rata Jam Pelatihan Per Tahun Per Karyawan 568 REPORT
Pelatihan & Pendidikan Average Hours of Training Per Year Per Employee
Training & Education
404-2 Program untuk Meningkatkan Keterampilan Karyawan dan Program Bantuan Peralihan 568
Programs for Upgrading Employee Skills and Transition Assistance Programs
GRI 3 3-3 Pengelolaan Topik Material 571
Management of Material Topics
GRI 413 413-1 Operasi dengan Keterlibatan Masyarakat Lokal, Penilaian Dampak dan Program 571, 572
Masyarakat Lokal Pengembangan
Local Community Operations with Local Community Engagement, Impact Assessments, and Development
Programs
413-2 Operasi yang Secara Aktual dan yang Berpotensi Memiliki Dampak Negatif Signifikan 571
Terhadap Masyarakat Lokal
Operations with Significant Actual and Potential Negative Impacts On Local Communities
GRI 3 3-3 Pengelolaan Topik Material 581
Management of Material Topics
GRI 418 418-1 Pengaduan yang Berdasar Mengenai Pelanggaran Terhadap Privasi Pelanggan dan 581
Privasi Pelanggan Hilangnya Data Pelanggan
Customer Privacy Substantiated Complaints Concerning Breaches of Customer Privacy and Losses of
Customer Data
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 596
DAFTAR PENGUNGKAPAN SESUAI
PERATURAN OTORITAS JASA KEUANGAN
NOMOR 51/POJK.03/2017 [OJK G.4]
List of Disclosure Based on POJK NO.51/POJK.03/2017
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Strategi Keberlanjutan
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan 542
Explanation on Sustainability Strategies
Ikhtisar Kinerja Aspek Keberlanjutan
594 Overview of Sustainability Aspects Performance
B.1 Aspek Ekonomi 15
Economy Aspects
Ikhtisar Kinerja
2024 B.2 Aspek Lingkungan Hidup 15
Environmental Aspects
Laporan B.3 Aspek Sosial 15
Manajemen Social Aspects
Profil Perusahaan
Profil Perusahaan Company Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan 54, 543
Vission, Mission, Sustainable Values
Analisis dan
Pembahasan C.2 Alamat Perusahaan 48
Manajemen Company Address
C.3 Skala Usaha: 48, 62, 83
Tinjauan a. Total aset atau kapitalisasi dan total kewajiban;
Pendukung Bisnis b. Jumlah karyawan menurut jenis kelamin, jabatan, usia, pendidikan, dan status ketenagakerjaan;
c. Nama pemegang saham dan persentase kepemilikan saham; dan
d. Wilayah operasional
Tata Kelola
Perusahaan Business Scale:
a. Total assets or assets capitalizationm and total liabilities;
b. Total employee based on gender, position, age, education and employment status;
LAPORAN c. Percentage of share ownership; and
KEBERLANJUTAN d. Operational area.
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan 58, 60
Product, Service and Business Activities
C.5 Keanggotaan pada Asosiasi 63
Member Association
C.6 Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan Tidak ada
Significant Changes None
Penjelasan Direksi
Director Explanation
D.1 Penjelasan Direksi 34
Director Explanation
Tata Kelola Keberlanjutan
Sustainable Corporate Governance
E.1 Penanggung Jawab Penerapan Keuangan Berkelanjutan 558
Person in Charge Responsibility for Sustainable Finance
E.2 Pengembangan Kompetensi Terkait Keuangan Berkelanjutan 559
Sustainable Finance Competency Development
E.3 Penilaian Risiko Atas Penerapan Keuangan Berkelanjutan 560
Sustainable Finance Risk Assessment Implementation
E.4 Hubungan dengan Pemangku Kepentingan 545
Stakeholders Relations
E.5 Permasalahan Terhadap Penerapan Keuangan Berkelanjutan 562
Sustainable Finance Implementation Problems
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 597
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Kinerja Keberlanjutan
Sustainable Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan 563
The Activities of Building a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi 8
Comparison of Production Targets and Performance, Portfolio, Financial Targets, or Investment, Revenue and Profit
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau 555
Proyek yang Sejalan dengan Keuangan Berkelanjutan
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in Financial Instruments
or Projects in Line With the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
F.4 Biaya Lingkungan Hidup 586, 588
Environment Cost Incurred
Aspek Material
595
Material Aspect
F.5 Penggunaan Material yang Ramah Lingkungan 584 2024
Use of Environmentally Friendly Materials Performance
Highlights
Aspek Energi
Energy Aspect
F.6 Jumlah dan Intensitas Energi yang Digunakan 586 Management
The Amount and Intensity of Energy Used Report
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 585
Efforts and Achievement of Energy Efficiency Including Use of Renewable Energy Sources
Company
Aspek Air Profile
Water Aspect
F.8 Penggunaan Air 587
Water Used Management
Discussion and
Aspek Keanekaragaman Hayati
Analysis
Biodiversity Aspect
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki 587
Keanekaragaman Hayati Business
Impacts from Operational Areas Close to or in Conservation Areas or Having Biodiversity Support
F.10 Usaha Konservasi Keanekaragaman Hayati 587 Overview
Biodiversity Conservation Efforts
Aspek Emisi
Corporate
Emission Aspect
Governance
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 586
The Amount and Intensity of Emissions Produced by Type
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 585 SUSTAINABILITY
Efforts and Achievement Emission Reduction Carried Out REPORT
Aspek Limbah dan Efluen
Waste and Effluent Aspect
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis 587
The Amount of Waste and Effluent Produced by Type
F.14 Mekanisme Pengelolaan Limbah dan Efluen 587
Mechanism of Waste and Effluent Management
F.15 Tumpahan yang Terjadi ( jika ada) Tidak relevan
Spills that Occur (if any) Not relevant
Aspek Pengaduan Terkait Lingkungan Hidup
Environmental Complaint Aspect
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 581
The Amount and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Aspect
F.17 Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen 577
Commitment to Provide Services for Equivalent Products and/or Services to Consumers
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024 PT. Bank Sinarmas Tbk.
Page 598
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Aspek Ketenagakerjaan
Employment Aspect
F.18 Kesetaraan Kesempatan Bekerja 564
Equality of Employment Opportunities
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa 565
Child Labor and Forced Labor
F.20 Upah Minimum Regional 565
The Regional Minimum Wage
F.21 Lingkungan Bekerja yang Layak dan Aman 567
Decent and Safe Working Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai 568
Training and Capacity Building of Employees
Aspek Masyarakat
Society Aspect
F.23 Dampak Operasi Terhadap Masyarakat Sekitar 571
596 Operational Impacts to the Surrounding Community
F.24 Pengaduan Masyarakat 581
Public Complaints
Ikhtisar Kinerja
2024 F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 571, 572
Environmental and Social Responsibility Activities
Laporan Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Manajemen Responsibilities for Developing Sustainable Products/Services
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan 579
Innovation and Development of Sustainable Financial Products and/or Services
Profil Perusahaan
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan 580
Products/Services that have been Evaluated for Safety for Customers
Analisis dan
Pembahasan F.28 Dampak Produk/Jasa 580
Manajemen Products/Service Impacts
F.29 Jumlah Produk yang Ditarik Kembali 581
Tinjauan Number of Products Recalled
Pendukung Bisnis F.30 Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 577
Customer Satisfaction Survey of Sustainable Finance and/or Services
Tata Kelola Lain-lain
Perusahaan Others
G.1 Verifikasi Tertulis dari Pihak Independen ( jika ada) 540
LAPORAN Written Verification from an Independent Party (if any)
KEBERLANJUTAN G.2 Lembar Umpan Balik 546
Feedback Form
G.3 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 540
Feedback on Previous Year’s Sustainability Report
G.4 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 tentang Penerapan 591
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
Disclosure List Based on POJK No.51/POJK.03/2017 regarding the Implementation of Sustainable Finance for
Financial Services Institutions, Listed Companies and Public Companies
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
PT. Bank Sinarmas Tbk. 2024
Page 599
LAPORAN KEUANGAN Financial Statements
Page 600
Page 601
PT Bank Sinarmas Tbk Dan Entitas Anak/And Subsidiary Laporan Keuangan Konsolidasian/ Consolidated Financial Statements Untuk Tahun-tahun yang Berakhir pada Tanggal 31 Desember 2024 dan 2023/ For the Years Ended as at December 31, 2024 and 2023
Page 602
PT BANK SINARMAS TBK DAN ENTITAS ANAK/AND SUBSIDIARY
DAFTAR ISI/TABLE OF CONTENTS
Halaman/
Page
Laporan Auditor Independen/Independent Auditors’ Report
Surat Pernyataan Direksi tentang Tanggung Jawab atas Laporan Keuangan Konsolidasian Tanggal
31 Desember 2024 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut/
The Directors’ Statement Regarding the Responsibility for the Consoildated Financial Statement as
at December 31, 2024 and For the Year Then Ended.
Laporan Keuangan Konsolidasian- Untuk tahun-tahun yang berakhir tanggal 31 Desember 2024
dan 2023/
Consolidated Financial Statements - For the Years Ended December 31, 2024 and 2023
Laporan Posisi Keuangan/Statements of Financial Position………………………………………... 1-2
Laporan Laba Rugi dan Penghasilan Komprehensif Lain/
Statements of Profit or Loss and Other Comprehensive Income………………………………….. 3
Laporan Perubahan Ekuitas/Statements of Changes in Equity…………………………………….. 4-5
Laporan Arus Kas/Statements of Cashflows…………………………………………………………. 6
Catatan atas Laporan Keuangan/Notes to Financial Statements………………………………….. 7-150
Lampiran/
Attachment
Laporan Posisi Keuangan Entitas Induk/Statement of Financial Position of Parent Entity……… 1
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Entitas Induk/Statements of Profit or
Loss and Other Comprehensive Income of Parent Entity…………………………………………… 2
Laporan Perubahan Ekuitas Entitas Induk/Statements of Changes in Equity of Parent Entity…. 3
Laporan Arus Kas Entitas Induk/Statements of Cash Flows of Parent Entity…………………….. 4
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PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Laporan Posisi Keuangan Konsolidasian Consolidated Statements of Financial Position
Tanggal 31 Desember 2024 As at December 31, 2024
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/
2024 Notes 2023
ASET ASSETS
Kas dan setara kas 509.207 388.102 Cash and cash equivalent
Giro pada Bank Indonesia 5.706.437 4 6.022.812 Demand deposits with Bank Indonesia
Demand deposits with other banks -
Giro pada bank lain - pihak ketiga 2.021.554 5 2.656.867 third parties
Cadangan kerugian penurunan nilai (565) (932) Allowance for impairment losses
Jumlah - bersih 2.020.989 2.655.935 Net
Penempatan pada Bank Indonesia 6 Placements with Bank Indonesia and
dan bank lain 8.726.115 6.263.389 other banks
Cadangan kerugian penurunan nilai (139) (12) Allowance for impairment losses
Jumlah - bersih 8.725.976 6.263.377 Net
Efek-efek 7 Securities
Pihak berelasi 1.079.140 1.140.803 Related parties
Pihak ketiga 21.044.135 16.991.268 Third parties
Jumlah 22.123.275 18.132.071 Total
Cadangan kerugian penurunan nilai (245) (269) Allowance for impairment losses
Jumlah - bersih 22.123.030 18.131.802 Net
Efek-efek yang dibeli dengan janji jual Securities purchased under agreements
kembali - pihak ketiga 193.748 8 - to resell - third parties
Bunga diterima dimuka yang belum diamortisasi (1.533) - Unamortized interest received
Jumlah - bersih 192.215 - Net
Kredit yang diberikan dan piutang/
pembiayaan syariah 9 Loans and receivables/sharia financing
Pihak berelasi 297.395 211.039 Related parties
Pihak ketiga 14.058.408 16.660.407 Third parties
Jumlah 14.355.803 16.871.446 Total
Cadangan kerugian penurunan nilai (1.549.516) (1.686.246) Allowance for impairment losses
Jumlah - bersih 12.806.287 15.185.200 Net
Tagihan akseptasi 10 Acceptances receivable
Pihak ketiga 38.144 79.864 Third parties
Cadangan kerugian penurunan nilai (15) (1.560) Allowance for impairment losses
Jumlah - bersih 38.129 78.304 Net
Pendapatan yang masih akan diterima 405.091 11 326.751 Accrued income
Biaya dibayar dimuka 611.977 12 921.948 Prepaid expenses
Aset tetap - setelah dikurangi 13 Property and equipment - net of
akumulasi penyusutan sebesar accumulated depreciation of
Rp1.892.373 dan Rp1.631.510 Rp1,892,373 and Rp1,631,510 as at
masing-masing pada tanggal December 31, 2024 and 2023,
31 Desember 2024 dan 2023 1.555.763 1.606.075 respectively
Aset Ijarah - setelah dikurangi 15 Ijarah assets - net of
akumulasi penyusutan sebesar accumulated depreciation of
Rp68.202 dan Rp119.251, Rp68,202 and Rp119,251 as at
masing-masing pada tanggal December 31, 2024 and 2023,
31 Desember 2024 dan 2023 292.544 384.218 respectively
Aset pajak tangguhan - bersih 261.361 35 214.568 Deferred tax assets - net
Aset lain-lain - bersih 375.427 16 455.904 Other assets - net
JUMLAH ASET 55.624.433 52.634.996 TOTAL ASSETS
Lihat Catatan atas laporan keuangan konsolidasian yang See accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements which are an integral part of the consolidated
keuangan konsolidasian. financial statements.
-1-
Page 613
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Laporan Posisi Keuangan Konsolidasian Consolidated Statements of Financial Position
Tanggal 31 Desember 2024 As at December 31, 2024
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/
2024 Notes 2023
LIABILITAS, DANA SYIRKAH TEMPORER LIABILITIES, TEMPORARY SYIRKAH
DAN EKUITAS FUNDS AND EQUITY
Liabilitas Liabilities
Liabilitas segera 178.778 17 167.982 Liabilities immediately payable
Simpanan 18 Deposits
Pihak berelasi 5.634.290 5.918.217 Related parties
Pihak ketiga 32.263.125 29.224.368 Third parties
Jumlah 37.897.415 35.142.585 Total
Simpanan dari bank lain 19 Deposits from other banks
Pihak ketiga 66.760 327.445 Third parties
Efek-efek yang dijual dengan janji beli Securities sold under agreements
kembali - pihak ketiga 879.455 20 1.051.717 to repurchase - third parties
Utang pajak 52.719 21 52.572 Taxes payable
Liabilitas akseptasi 38.160 10 79.880 Acceptances payable
Beban yang masih harus dibayar 44.216 22 43.816 Accrued expenses
Liabilitas imbalan kerja jangka panjang 44.749 41 35.426 Long-term employee benefits liability
Obligasi subordinasi - bersih 497.505 24 496.512 Subordinated bonds - net
Liabilitas lain-lain 399.533 23 390.973 Other liabilities
Jumlah Liabilitas 40.099.290 37.788.908 Total Liabilities
Dana Syirkah Temporer 25 Temporary Syirkah Funds
Simpanan Deposits
Pihak berelasi 195.989 899.014 Related parties
Pihak ketiga 6.726.560 6.104.537 Third parties
Jumlah 6.922.549 7.003.551 Total
Simpanan dari bank lain Deposits from other banks
Pihak ketiga 2.972 15.769 Third parties
Jumlah Dana Syirkah Temporer 6.925.521 7.019.320 Total Temporary Syirkah Funds
Ekuitas Equity
Modal saham - nilai nominal Rp 100 Capital stock - Rp 100
(dalam Rupiah penuh) per saham (in full Rupiah) par value per share
Modal dasar - 60.000.000.000 saham Authorized - 60,000,000,000 shares
Modal ditempatkan dan disetor - Issued and paid-up shares
19.716.162.403 saham dan 19.716.162.403 19,716,162,403 and 19,716,162,403
saham masing-masing pada tanggal shares as of December 31, 2024 and
31 Desember 2024 dan 2023 1.971.616 27 1.971.616 2023, respectively
Tambahan modal disetor - bersih 3.552.194 27 3.552.194 Additional paid-in capital - net
Komponen ekuitas lainnya 502.000 7,14 588.242 Other equity components
Saldo laba Retained earnings
Ditentukan penggunaannya 10.000 42 9.500 Appropriated
Tidak ditentukan penggunaannya 1.996.630 1.705.216 Unappropriated
2.006.630 1.714.716
Kepentingan non-pengendali 567.182 26 - Non-controlling interests
Jumlah Ekuitas 8.599.622 7.826.768 Total Equity
JUMLAH LIABILITAS, DANA SYIRKAH TOTAL LIABILITIES, TEMPORARY
TEMPORER DAN EKUITAS 55.624.433 52.634.996 SYIRKAH FUNDS AND EQUITY
Lihat Catatan atas laporan keuangan konsolidasian yang See accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements which are an integral part of the consolidated
keuangan konsolidasian. financial statements.
-2-
Page 614
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Laporan Laba Rugi dan Penghasilan Consolidated Statements of Profit or Loss
Komprehensif Konsolidasian And Other Comprehensive Income
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/
2024 Notes 2023
PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUES AND EXPENSES
Pendapatan bunga 3.018.913 29 2.781.795 Interest revenues
Pendapatan syariah 769.990 29 734.016 Sharia income
Beban bunga (829.608) 30 (632.923) Interest expense
Beban syariah (360.487) 30 (259.569) Sharia expenses
Interest Revenues and Profit Sharing
Pendapatan Bunga dan Bagi Hasil - Bersih 2.598.808 2.623.319 Income - Net
Pendapatan Operasional Lainnya Other Operating Revenues
Provisi dan komisi selain dari Fees and commissions other than
kredit 502.363 2 425.536 from loans
Keuntungan kurs mata uang asing - bersih 104.588 76.312 Gain on foreign exchange - net
Keuntungan dari kenaikan nilai wajar efek-efek Gain on increase in fair value of securities
yang diukur melalui laba rugi - bersih 5.052 7 67.541 at fair value through profit and loss - net
Keuntungan dari penjualan efek-efek yang diukur Gain on sale of fair value of securities
melalui laba rugi - bersih 146.827 7 - at fair value through profit and loss - net
Penerimaan kembali aset yang
telah dihapusbukukan 197.929 123.196 Recovery of written-off assets
Lain-lain 19.589 33 233.480 Others
Jumlah Pendapatan Operasional 3.575.156 3.549.384 Total Operating Revenues
Beban Operasional Lainnya Other Operating Expenses
Kerugian penurunan nilai aset keuangan 43.538 895.494 Impairment losses on financial assets
Umum dan administrasi 1.456.772 31 1.196.199 General and administrative expenses
Tenaga kerja 1.282.509 32 1.018.965 Personnel expenses
Penyusutan aset tetap dan Depreciation - property and equipment
aset hak guna 295.164 13 267.244 and right of use assets
Biaya komisi 42.719 33.303 Commission expense
Kerugian dari penjualan efek-efek yang diukur Loss on sale of fair value of securities
melalui laba rugi - bersih - 7.725 at fair value through profit and loss - net
Lain-lain 15.638 34 56.876 Others
Jumlah Beban Operasional 3.136.340 3.475.806 Total Operating Expenses
LABA SEBELUM PAJAK 438.816 73.578 PROFIT BEFORE TAX
BEBAN PAJAK 35 TAX EXPENSE
Kini 94.150 78.960 Current
Tangguhan (25.471) (1.904) Deferred
Penyesuaian tahun lalu - (79.274) Previous year adjustment
68.679 (2.218)
LABA BERSIH 370.137 75.796 PROFIT FOR THE YEAR
PENGHASILAN (RUGI) KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME (LOSS)
Pos yang akan direklasifikasi Item that will be reclassified subsequently to
ke laba rugi profit or loss
Penghasilan (rugi) yang belum direalisasi atas Unrealized gain (loss) on change in fair value
perubahan nilai wajar dari efek-efek yang of securities at fair value through other
diukur melalui penghasilan komprehensif lain (107.352) 7 368.028 comprehensive income
Pajak sehubungan dengan pos yang Tax relating to items that will be
akan direklasifikasi 21.110 35 15.211 reclassified
(86.242) 383.239
Pos yang tidak akan direklasifikasi ke laba rugi -
bersih setelah dampak pajak tangguhan Items that will not be reclassified to profit or loss
Revaluasi aset tetap - 13 86.375 Gain on revaluation of property and equipment
Pengukuran kembali liabilitas imbalan kerja Remeasurement of long-term employee
jangka panjang 857 41 (4.217) benefits liability
Pajak sehubungan dengan pos yang tidak Tax relating to items that will not be
akan direklasifikasi 212 35 567 reclassified
1.069 82.725
JUMLAH LABA (RUGI) KOMPREHENSIF LAIN (85.173) 465.964 TOTAL OTHER COMPREHENSIVE INCOME (LOSS)
JUMLAH LABA (RUGI) KOMPREHENSIF 284.964 541.760 TOTAL COMPREHENSIVE INCOME (LOSS)
LABA YANG DAPAT DIATRIBUSIKAN KEPADA: PROFIT ATTRIBUTABLE TO:
Pemilik entitas induk 290.845 36 75.796 Owners of the Parent Company
Kepentingan non-pengendali 79.292 26 - Non-controlling interests
370.137 75.796
TOTAL LABA (RUGI) KOMPREHENSIF YANG COMPREHENSIVE INCOME (LOSS)
DAPAT DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO:
Pemilik entitas induk 205.672 541.760 Owners of the Parent Company
Kepentingan non-pengendali 79.292 26 - Non-controlling interests
284.964 541.760
LABA BERSIH PER SAHAM EARNINGS PER SHARE
(dalam Rupiah penuh) (in full Rupiah)
Dasar 14,75 36 3,84 Basic
Lihat Catatan atas laporan keuangan konsolidasian yang See accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements which are an integral part of the consolidated
keuangan konsolidasian. financial statements.
-3-
Page 615
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Laporan Perubahan Ekuitas Konsolidasian Consolidated Statements of Changes in Equity
Untuk Tahun-tahun yang Berakhir 31 Desember 2024 dan 2023 For the Years Ended December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Komponen Ekuitas Lainnya/Other Equity Components
Laba (Rugi) yang
Belum Direalisasi
atas Perubahan Surplus
Nilai Wajar Efek/ Revaluasi
Tambahan Modal Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs Kepentingan
Disetor - Bersih/ on Change in Revaluation Ditentukan Tidak Ditentukan Non-Pengendali/
Catatan/ Modal Saham/ Addition Paid Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Non-Controlling Jumlah Ekuitas/
Notes Capital Stock in Capital Securities and Equipment Appropriated Unappropriated Interests Total Equity
Saldo pada tanggal 1 Januari 2023/
Balance as of January 1, 2023 1.971.616 3.552.194 (275.115) 393.743 9.000 1.633.570 - 7.285.008
Pembentukan cadangan umum/
Appropriation for general reserve 42 - - - - 500 (500) - -
Laba tahun berjalan/
Profit for the year - - - - - 75.796 - 75.796
Penghasilan (rugi) komprehensif lain/
Other comprehensive income (loss)
Rugi yang belum direalisasi atas perubahan
nilai wajar efek-efek yang diukur pada
nilai wajar melalui penghasilan
komprehensif lain - bersih/
Unrealized loss on change in fair value of
securities measured at fair value through
other comprehensive income - net 7,35 - - 383.239 - - - - 383.239
Pengukuran kembali liabilitas imbalan
kerja jangka panjang - bersih/
Remeasurement of long - term
employee benefits liability - net 35,41 - - - - - (3.650) - (3.650)
Surplus revaluasi aset tetap/
Revaluation surplus of property & equipment 13 - - - 86.375 - - - 86.375
Saldo pada tanggal 31 Desember 2023/
Balance as of December 31, 2023 1.971.616 3.552.194 108.124 480.118 9.500 1.705.216 - 7.826.768
Lihat Catatan atas laporan keuangan konsolidasian yang merupakan bagian yang tidak terpisahkan See accompanying notes to the consolidated financial statements which are an integral part of the
dari laporan keuangan konsolidasian. consolidated financial statements.
- 4-
Page 616
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Laporan Perubahan Ekuitas Konsolidasian Consolidated Statements of Changes in Equity
Untuk Tahun-tahun yang Berakhir 31 Desember 2024 dan 2023 For the Years Ended December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Komponen Ekuitas Lainnya/Other Equity Components
Laba (Rugi) yang
Belum Direalisasi
atas Perubahan Surplus
Nilai Wajar Efek/ Revaluasi
Tambahan Modal Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs Kepentingan
Disetor - Bersih/ on Change in Revaluation Ditentukan Tidak Ditentukan Non-Pengendali/
Catatan/ Modal Saham/ Addition Paid Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Non-Controlling Jumlah Ekuitas/
Notes Capital Stock in Capital Securities and Equipment Appropriated Unappropriated Interests Total Equity
Saldo pada tanggal 1 Januari 2024/
Balance as of January 1, 2024 1.971.616 3.552.194 108.124 480.118 9.500 1.705.216 - 7.826.768
Pembentukan cadangan umum/
Appropriation for general reserve 42 - - - - 500 (500) - -
Laba tahun berjalan/
Profit for the year - - - - - 290.845 79.292 370.137
Penghasilan (rugi) komprehensif lain/
Other comprehensive income (loss)
Rugi yang belum direalisasi atas perubahan
nilai wajar efek-efek yang diukur pada
nilai wajar melalui penghasilan
komprehensif lain - bersih/
Unrealized loss on change in fair value of
securities measured at fair value through
other comprehensive income - net 7,35 - - (86.242) - - - - (86.242)
Pengukuran kembali liabilitas imbalan
kerja jangka panjang/
Remeasurement of long - term
employee benefits liability - net 35,41 - - - - - 1.069 - 1.069
Efek pemisahan Unit Usaha Syariah/
Effect of Spin-off Sharia Unit 26 - - - - - - 487.890 487.890
Saldo pada tanggal 31 Desember 2024/
Balance as of December 31, 2024 1.971.616 3.552.194 21.882 480.118 10.000 1.996.630 567.182 8.599.622
Lihat Catatan atas laporan keuangan konsolidasian yang merupakan bagian yang tidak terpisahkan dari See accompanying notes to the consolidated financial statements which are an integral part of the
laporan keuangan konsolidasian. consolidated financial statements.
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Page 617
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Laporan Arus Kas Konsolidasian Consolidated Statements of Cash Flow
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/
2024 Notes 2023
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM OPERATING ACTIVITIES
Pendapatan bunga 3.046.518 11,29 2.766.341 Interest revenues
Pendapatan syariah 957.469 11,29 825.965 Sharia income
Pendapatan operasional lainnya 866.018 33 658.322 Other operating income
Beban bunga (828.863) 22,30 (622.726) Interest expenses
Beban syariah (359.839) 22,30 (254.037) Sharia expenses
Kerugian selisih kurs
mata uang asing - bersih (142.485) 228.376 Loss on foreign exchange - net
Pembayaran pajak penghasilan badan (107.492) 35 (189.791) Payment of corporate income tax
Beban umum dan administrasi (1.448.940) 31 (1.199.899) General and administrative expenses
Beban tenaga kerja (1.282.509) 32 (1.018.965) Salaries expense
Beban operasional lainnya (123.910) 34 (248.442) Other operational expenses
Arus kas operasional sebelum perubahan Operating cash flow before changes in operating
aset dan liabilitas operasi 575.967 945.144 assets and liabilities
Penurunan (kenaikan) aset operasi: Decrease (increase) in operating assets :
Efek-efek (4.096.893) 7 943.036 Securities
Efek yang dibeli dengan janji dijual kembali (192.215) 8 - Securities purchased under agreements to resell
Kredit yang diberikan 416.647 9 (508.345) Loans
Pembiayaan syariah 1.993.407 9 (2.000.631) Sharia financing
Pembayaran tagihan akseptasi 41.720 10 (1.882) Payment of acceptance receivables
Biaya dibayar dimuka 309.971 12 357.505 Prepaid expenses
Aset ijarah (201.750) 15 (85.805) Ijarah assets
Aset lain-lain (17.689) 16 25.120 Other assets
Kenaikan (penurunan) liabilitas operasi: Increase (decrease) in operating liabilities :
Liabilitas segera 13.677 17 36.037 Liabilities immediately payable
Simpanan 2.754.830 18 2.745.559 Deposits
Simpanan dari bank lain (260.685) 19 313.296 Deposits from other banks
Utang pajak 13.489 35 4.557 Taxes payable
Efek yang dijual dengan janji beli kembali (172.262) 20 1.051.717 Securities sold under agrements to repurchase
Liabilitas akseptasi (41.720) 10 1.815 Acceptances payables
Liabilitas lain-lain 122.419 23 300.664 Other liabilities
Kenaikan (penurunan) dana syirkah Increase (decrease) in syirkah
temporer: 25 temporary funds:
Simpanan (81.002) 686.542 Deposits
Simpanan dari bank lain (12.797) (185.634) Deposits from other banks
Kas Bersih Diperoleh dari Aktivitas Operasi 1.165.114 4.628.695 Net Cash Provided by Operating Activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIES
Hasil penjualan aset tetap 767 13 824 Proceeds from sale of property and equipment
Perolehan aset tetap (152.885) 13 (189.091) Acquisitions of property and equipment
Kas Bersih Digunakan untuk Aktivitas Investasi (152.118) (188.267) Net Cash Used in Investing Activities
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIES
Pembayaran liabilitas sewa (117.903) 23 (111.120) Payment from lease liabilities
Penerimaan dari penyertaan kepemilikan Receipts from non-controlling ownership
dari non-pengendali 490.000 26 - interests
Kas Bersih Diperoleh dari (Digunakan untuk)
Aktivitas Pendanaan 372.097 (111.120) Net Cash Provided by (Used for) Financing Activities
KENAIKAN BERSIH KAS DAN NET INCREASE IN CASH AND
SETARA KAS 1.385.093 4.329.308 CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT THE
KAS DAN SETARA KAS AWAL TAHUN 15.331.170 11.042.096 BEGINNING OF THE YEAR
Pengaruh perubahan kurs mata uang asing 247.050 (40.234) Effect on foreign exchange rate changes
CASH AND CASH EQUIVALENTS AT END OF
KAS DAN SETARA KAS AKHIR TAHUN 16.963.313 15.331.170 THE YEAR
PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL DISCLOSURES
Kas dan Setara Kas terdiri dari: Cash and Cash Equivalents Consist of :
Kas 509.207 388.102 Cash
Giro pada Bank Indonesia 5.706.437 4 6.022.812 Demand deposits with Bank Indonesia
Giro pada bank lain 2.021.554 5 2.656.867 Demand deposits with other banks
Penempatan pada Bank Indonesia
dan bank lain - jangka waktu jatuh Placements with Bank Indonesia and other bank
tempo tiga bulan atau kurang sejak - original maturities of three months or less
tanggal perolehan 8.726.115 6 6.263.389 from the acquisition date
Jumlah Kas dan Setara Kas 16.963.313 15.331.170 Total Cash and Cash Equivalents
Lihat Catatan atas laporan keuangan konsolidasian yang See accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements which are an integral part of the consolidated
keuangan konsolidasian. financial statements.
- 6-
Page 618
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. Umum 1. General
a. Pendirian dan Informasi Umum a. Establishment and General Information
PT Bank Sinarmas Tbk (“Perusahaan”) PT Bank Sinarmas Tbk (“the Company”) was
didirikan pada tahun 1989 dengan nama PT established in 1989 as PT Bank Shinta
Bank Shinta Indonesia, berdasarkan Akta Indonesia, based on Notarial Deed No. 52
No. 52 tanggal 18 Agustus 1989 dari dated August 18, 1989 of Buniarti Tjandra,
Buniarti Tjandra, S.H., notaris di Jakarta, S.H., public notary in Jakarta, as amended by
dan telah diubah dengan Akta No. 91 Notarial Deed No. 91 dated
tanggal 15 September 1989 dari notaris September 15, 1989, of the same notary. The
yang sama. Akta pendirian ini telah Deed of Establishment was approved by the
mendapat pengesahan dari Menteri Minister of Justice of the Republic of
Kehakiman Republik Indonesia melalui Indonesia in his Decision Letter
Surat Keputusan No. C2-9142.HT.01.01- No. C2-9142.HT.01.01-TH.89 dated
TH.89 tanggal 27 September 1989 dan September 27, 1989 and published in
diumumkan dalam Berita Negara Republik Supplement No. 6448 of the State Gazette of
Indonesia No. 49 tanggal 21 Juni 2005, the Republic of Indonesia No. 49 dated June
Tambahan No. 6448. 21, 2005.
Pada tanggal 26 Januari 2007, Perusahaan On January 26, 2007, the Company has
berganti nama menjadi PT Bank Sinarmas. changed its name into PT Bank Sinarmas.
Perubahan nama tersebut telah disetujui The said change was approved during the
melalui Rapat Umum Pemegang Saham Extraordinary General Meeting of
Luar Biasa Perusahaan yang stockholders of the Company which
didokumentasikan dalam Akta No. 1 tanggal resolution was stated in Notarial Deed No. 1
21 November 2006 dari Triphosa Lily dated November 21, 2006 of Triphosa Lily
Ekadewi, S.H., notaris di Jakarta. Ekadewi, S.H., public notary in Jakarta.
Perubahan Anggaran Dasar tersebut telah The amendment to the Articles of Association
memperoleh persetujuan dari Menteri was approved by the Minister of Law and
Hukum dan Hak Asasi Manusia Republik Human Rights of the Republic of Indonesia in
Indonesia dengan Surat Keputusannya No. his Decision Letter No. W7-03960 HT.01.04-
W7-03960 HT.01.04-TH.2006 tanggal 20 TH.2006 dated December 20, 2006. Such
Desember 2006. Perubahan nama tersebut change in name was approved by Bank
juga telah mendapat persetujuan dari Bank Indonesia based on its Decision Letter
Indonesia berdasarkan Keputusan No. 9/4/KEP.GBI/2007 dated January 22,
Gubernur Bank Indonesia No.9/4/ 2007, wherein the Business License Under
KEP.GBI/2007 tanggal 22 Januari 2007 the Name of PT Bank Shinta Indonesia was
tentang Perubahan Izin Usaha Atas Nama changed to Business License Under the
PT Bank Shinta Indonesia menjadi Izin Name of PT Bank Sinarmas.
Usaha Atas Nama PT Bank Sinarmas.
Berdasarkan Akta No. 1 tanggal 8 Oktober In accordance with the Notarial Deed No. 1
2009 dari Endang Saritomo Utari, S.H., dated October 8, 2009 of Endang Saritomo
notaris di Jakarta, terdapat perubahan Utari, S.H., public notary in Jakarta, there are
Anggaran Dasar dalam rangka changes to the Articles of Association in
melaksanakan kegiatan usaha berdasarkan order to carry out business activities based
prinsip perbankan syariah dan on sharia banking principles and the
perpanjangan masa jabatan direksi dan extension of terms of office of the directors
komisaris. Perubahan ini telah disetujui oleh and commissioners. These amendments
Menteri Hukum dan Hak Asasi Manusia were approved by the Minister of Law and
Republik Indonesia dalam Surat Keputusan Human Rights of the Republic of Indonesia in
No. AHU-AH.01.10-22484. Tahun 2009 his Decree No. AHU-AH.01.10-22484. Tahun
tanggal 11 Desember 2009. 2009 dated December 11, 2009.
-7-
Page 619
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berdasarkan Rapat Umum Pemegang In the General Stockholders ' Meeting (GSM)
Saham (RUPS) tanggal 6 April 2010 yang held on April 6, 2010, which was stated in the
didokumentasikan dalam Akta No. 31 Deed. No. 31 dated April 6, 2010 from
tanggal 6 April 2010 dari Sutjipto, S.H., Mkn, Sutjipto, SH., Mkn, public notary in Jakarta,
notaris di Jakarta, pemegang saham the Shareholders approved splitting the
menyetujui pemecahan nilai nominal saham number of shares from Rp500,000 (in full
Perusahaan dari Rp500.000 (dalam Rupiah Rupiah) per share into Rp100 (in full Rupiah)
penuh) per saham menjadi Rp100 (dalam per share and changing the status of the
Rupiah penuh) per saham dan perubahan Company to become a Public Company
status Perusahaan menjadi Perusahaan under the name PT Bank Sinarmas Tbk.
Terbuka (Tbk) dengan nama PT Bank These changes were approved by the
Sinarmas Tbk. Perubahan tersebut telah Ministry of Law and Human Rights of the
mendapat pengesahan dari Menteri Hukum Republic of Indonesia in his Decision Letter
dan Hak Asasi Manusia Republik Indonesia No. AHU-22745.AH.01.02 Tahun 2010 dated
dengan Surat Keputusan No. AHU- May 4, 2010 and were reported to Bank
22745.AH.01.02 Tahun 2010 tanggal 4 Mei Indonesia by Letter No. SKL.121/2010/
2010 serta telah dilaporkan kepada Bank PRESDIR-CorpSec dated May 7, 2010.
Indonesia melalui surat No. SKL.121/2010/
PRESDIR-CorpSec tanggal 7 Mei 2010.
Anggaran Dasar Perusahaan telah The articles of association have been
mengalami beberapa kali perubahan, amended several times, with the latest
dimana perubahan terakhir dilakukan amendment effected by Notarial Deed No. 37
dengan Akta No. 37 tanggal 28 Oktober dated October 28, 2024 of Aulia Taufani, S.H.
2024, yang dibuat di hadapan Notaris Aulia The amendment has been approved by the
Taufani, S.H. Perubahan tersebut telah Minister of Law and Human Rights of the
disetujui oleh Menteri Hukum dan Hak Asasi Republic of Indonesia in Decree No. AHU-
Manusia Republik Indonesia dalam Surat AH.01.09-0268849 dated October 29, 2024.
Keputusan No. AHU-AH.01.09-0268849
tanggal 29 Oktober 2024.
Kantor pusat Perusahaan beralamat di The Company’s head office is located at
Sinarmas Land Plaza, Menara I, Jln. M.H. Sinarmas Land Plaza, Tower I, Jln. M.H.
Thamrin No. 51, Jakarta. Perusahaan Thamrin No. 51, Jakarta. The Company has
memiliki 1 kantor cabang utama, 67 kantor 1 main branch, 67 branches, 62 functional
cabang, 62 kantor fungsional operasional, sub-branch, 10 functional offices Micro and
10 kantor fungsional Usaha Mikro dan Kecil Small Enterprises (UMK), and 192 sub-
(UMK), 192 kantor cabang pembantu, dan 3 branches, 3 cash mobile, all located in
mobil kas keliling yang semuanya berlokasi Indonesia.
di Indonesia.
PT Sinar Mas Multiartha (SMMA) Tbk PT Sinar Mas Multiartha Tbk (SMMA) is the
merupakan entitas induk Perusahaan yang immediate holding entity of the Company that
didirikan di Indonesia. is incorporated in Indonesia.
Pemegang saham akhir (ultimate As at December 31, 2024 and 2023, the
shareholder) Perusahaan pada tanggal ultimate shareholder of the Company is
31 Desember 2024 dan 2023 adalah PT Sinarmas Cakrawala.
PT Sinarmas Cakrawala.
Sesuai dengan pasal 3 Anggaran Dasar, In accordance with article 3 of the Company’s
maksud dan tujuan didirikannya Articles of Association, the purpose and
Perusahaan adalah untuk menjalankan objective establishing the company is to
usaha di bidang perbankan. engage in the field of banking.
-8-
Page 620
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perusahaan mulai beroperasi secara The Company started its commercial
komersial pada tanggal 16 Februari 1990, operations on February 16, 1990, based on
sesuai dengan izin usaha yang diberikan the business license granted by the Minister
oleh Menteri Keuangan Republik Indonesia of Finance of the Republic of Indonesia in his
dalam Surat Keputusan No. 156/KMK.013/ Decision Letter No. 156/KMK.013/1990
1990 tanggal 16 Februari 1990. Sesuai dated February 16, 1990. Pursuant to Bank
dengan Surat Keputusan Bank Indonesia Indonesia’s Decree No. 27/156/KEP/DIR
No. 27/156/KEP/DIR tanggal 22 Maret 1995, dated March 22, 1995, the Company is
Perusahaan memperoleh peningkatan authorized to operate as a Foreign Exchange
status menjadi Bank Devisa. Bank.
Perusahaan memperoleh izin usaha The Company obtained its business license
perbankan berdasarkan prinsip syariah activities to be based on principles of islamic
berdasarkan surat keputusan Deputi banking through decision letter of Deputy
Gubernur Bank Indonesia No. 11/13/ Governor of Bank Indonesia No. 11/13/
KEP.DpG/2009 tanggal 27 Oktober 2009. KEP.DpG/2009 dated October 27, 2009.
Pada tanggal 30 Januari 2012, Perusahaan On January 30, 2012, the Company received
memperoleh Surat Keputusan No. KEP- a Decision Letter No. KEP-21/BL/2012 from
21/BL/2012 dari Ketua Badan Pengawas the Capital Market and Financial Institution
Pasar Modal dan Lembaga Keuangan Supervisory Agency regarding the approval
mengenai persetujuan Perusahaan sebagai for the Company as a custodian in capital
kustodian di pasar modal. market.
Perusahaan memperoleh izin sebagai wali The Company obtained permission as a
amanat dari Otoritas Jasa Keuangan trustee from the Financial Services Authority
(dahulu Badan Pengawas Pasar Modal dan (formerly the Capital Markets and Financial
Lembaga Keuangan) berdasarkan Institutions Supervisory Agency) based on a
Surat Tanda Terdaftar Sebagai Wali Certificate of Registration as a Trustee
Amanat No. 01/BL/STTD-WA/2009 tanggal No. 01/BL/STTD-WA/2009 dated August 27,
27 Agustus 2009. 2009.
Kedua izin kegiatan tersebut telah Both activity permits have been renewed in
diperbarui sesuai surat Otoritas Jasa accordance with the Financial Services
Keuangan (OJK) nomor S-682/PM.223/ Authority (OJK) letter number S-682/
2022 tanggal 22 Agustus 2022. PM.223/2022 dated August 22, 2022.
Pada tanggal 1 Januari 2024, Pemisahan On January 1, 2024, the separation of
Unit Usaha Syariah PT Bank Sinarmas Tbk PT Bank Sinarmas Tbk's Sharia Business
telah efektif dilakukan. Dengan Unit has been effectively carried out. With the
dipisahkannya Unit Usaha Syariah, maka separation of the Sharia Business Unit, the
selanjutnya Perusahaan tidak lagi Company will no longer carry out sharia
melakukan kegiatan usaha syariah, dan business activities, and changes have been
telah dilakukan perubahan kegiatan usaha made to business activities in Article 3 of the
pada Pasal 3 Anggaran Dasar Perusahaan Company's Articles of Association as
sebagaimana termaktub dalam Akta stipulated in the Deed of Statement of
Pernyataan Keputusan Rapat Perubahan Decision of the Meeting to Amend the Articles
Anggaran Dasar PT Bank Sinarmas Tbk. of Association of PT Bank Sinarmas Tbk. No.
No. 3 tanggal 2 Januari 2024 yang dibuat di 3 dated January 2, 2024 made before Aulia
hadapan Aulia Taufani, S.H., Notaris di Taufani, S.H., a Notary in Jakarta who has
Jakarta yang telah memperoleh persetujuan obtained approval in accordance with the
sesuai dengan Surat Keputusan Menteri Decree of the Minister of Law and Human
Hukum dan Hak Asasi Manusia Republik Rights Republic of Indonesia No. AHU-
Indonesia No. AHU-0000118.AH.01.02 0000118. AH.01.02 of 2024 dated January 2,
Tahun 2024 tanggal 2 Januari 2024. 2024.
-9-
Page 621
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Penawaran Umum Efek Perusahaan b. Public Offering of Shares
Pada tanggal 29 November 2010, On November 29, 2010, the Company
Perusahaan memperoleh pernyataan efektif obtained the Notice of Effectivity from the
dari Ketua Badan Pengawas Pasar Modal Chairman of the Capital Market and Financial
dan Lembaga Keuangan (Bapepam dan LK) Institutions Supervisory Agency (Bapepam –
atau sekarang Otoritas Jasa Keuangan LK) or currently Financial Services Authority
(OJK) melalui surat No. S-10683/BL/2010 (OJK) in his letter No. S-10683/BL/ 2010 for
untuk penawaran umum perdana atas 1.600 the initial public offering (IPO) of the 1,600
lembar saham Perusahaan dengan nilai new shares with par value of Rp100 (in full
nominal Rp100 (dalam Rupiah penuh) per Rupiah) per share at offering price of Rp150
saham pada harga penawaran Rp150 (in full Rupiah) per share with attached
(dalam Rupiah penuh) per saham dimana 1,920,000,000 Series I Warrants (Note 27).
melekat 1.920.000.000 waran Seri I Each holder of five (5) new shares of the
(Catatan 27). Setiap pemegang 5 (lima) Company is entitled to six (6) warrants where
saham baru Perusahaan berhak each one (1) warrant entitles the holder to
memperoleh 6 (enam) waran dimana setiap purchase one (1) new share of the Company
1 (satu) waran memberikan hak kepada at exercise price of Rp150 (in full Rupiah) per
pemegangnya untuk membeli 1 (satu) share, which can be exercised from June 13,
saham baru Perusahaan dengan harga 2011 until December 13, 2015.
pelaksanaannya sebesar Rp150 (dalam
Rupiah penuh) per saham, yang dapat
dilakukan mulai tanggal 13 Juni 2011
sampai dengan tanggal 13 Desember 2015.
Penawaran umum perdana (IPO) saham The Company’s Initial Public Offering (IPO)
Perusahaan telah mendapat persetujuan was approved by Bank Indonesia
dari Bank Indonesia melalui surat in its Letter No. 12/52/DPB3/TPB 3 - 1
No. 12/52/DPB3/TPB 3 - 1 tanggal dated August 5, 2010. On December 13,
5 Agustus 2010. Saham dan waran 2010, the Company’s shares and warrants
Perusahaan telah tercatat di Bursa Efek have been listed on the Indonesia Stock
Indonesia pada tanggal 13 Desember 2010. Exchange.
Pada tanggal 15 Juni 2012, Perusahaan On June 15, 2012, the Company obtained the
memperoleh Pernyataan Efektif dari Notice of Effectivity from the Chairman
Ketua Bapepam dan LK (sekarang OJK) Bapepam - LK (now OJK) in his letter No. S-
melalui surat No. S-7561/BL/2012 untuk 7561/BL/2012 for the Limited Public Offering
Penawaran Umum Terbatas I (PUT I) I (PUT I) with preemptive rights to
kepada Pemegang Saham dengan Hak Stockholders for 1,203,186,138 common
Memesan Efek Terlebih Dahulu (HMETD) shares with par value of Rp100 (in full
atas 1.203.186.138 lembar Saham Biasa Rupiah) per share at exercise price of Rp250
Atas Nama dengan nilai nominal Rp100 (in full Rupiah) per share with attached
(dalam Rupiah penuh) per saham dengan 2,996,614,532 Series II Warrants (Note 27).
harga pelaksanaan Rp250 (dalam Rupiah Every holder of 400 existing shares has 53
penuh) per saham dimana melekat pre-emptive rights to purchase 53 new
2.996.614.532 waran Seri II (Catatan 27). shares, wherein for every 53 new shares, 132
Setiap pemegang 400 saham lama berhak Series II Warrants is attached, free of charge.
atas 53 HMETD untuk membeli 53 saham Series II Warrants were given as incentives
baru, dimana pada setiap 53 saham baru to stockholders to purchase new shares at a
melekat 132 Waran Seri II yang diberikan par value of Rp100 (in full Rupiah) per share,
oleh Perusahaan secara cuma-cuma. with exercise price of Rp250 (in full Rupiah)
Waran Seri II diberikan sebagai insentif per share, which can be exercised from
kepada pemegang saham untuk melakukan January 11, 2013 until June 29, 2017,
pembelian saham baru yang bernilai wherein every 1 (one) Series II Warrant is
nominal Rp100 (dalam Rupiah penuh) per entitled to purchase 1 (one) new share at the
saham dengan harga pelaksanaan sebesar exercise price.
Rp250 (dalam Rupiah penuh) per saham
yang dapat dilakukan mulai dari tanggal 11
Januari 2013 sampai dengan 29 Juni 2017
dimana setiap 1 (satu) Waran Seri II berhak
membeli 1 (satu) saham baru pada harga
pelaksanaannya.
- 10 -
Page 622
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berdasarkan Akta No. 45 tanggal In accordance with the Notarial Deed
13 Juni 2014 dari Aryanti Artisari, S.H., No. 45 dated June 13, 2014 of Aryanti
M.Kn., notaris di Jakarta, tentang Berita Artisari, S.H., M.Kn., public notary in Jakarta,
Acara Rapat Umum Pemegang Saham Luar concerning the Extraordinary General
Biasa (RUPSLB), dimana pemegang saham Stockholders’ Meeting (EGSM), the
Perusahaan menyetujui untuk menerbitkan Company’s stockholders approved the
1.312.411.310 lembar saham pada harga issuance of 1,312,411,310 shares at a price
yang akan ditentukan oleh Direksi dengan to be determined by Directors with approval
persetujuan Dewan Komisaris melalui from Board of Commisioners by “Rights Issue
Penambahan Modal Tanpa Hak Memesan Without Pre-Emptive Rights”. On October 31,
Efek Terlebih Dahulu (PMTHMETD). Pada 2014 and November 24, 2014, the company
tanggal 31 Oktober 2014 dan 24 November conducts “Rights Issue Without Pre-Emptive
2014, Perusahaan melaksanakan Rights” stages 1 and 2, each totaling
PMTHMETD tahap 1 dan 2 masing-masing 888,888,888 shares and 7,646,526 shares,
sebanyak 888.888.888 dan 7.646.526 respectively, at exercise price off Rp270 (in
lembar saham dengan harga pelaksanaan full Rupiah) per share, respectively. The total
masing-masing sebesar Rp270 (dalam proceeds in relation to this “Rights Issue
Rupiah penuh). Jumlah dana yang diperoleh Without Pre-Emptive Rights” amounted to
dari pemegang saham dalam pelaksanaan Rp242,064.
PMTHMETD adalah sebesar Rp242.064.
Pada tanggal 27 April 2016, Perusahaan On April 27, 2016, the Company
memperoleh Pernyataan Efektif dari obtained the Notice of Effectivity from
Otoritas Jasa Keuangan melalui surat Financial Services Authority (OJK) in its letter
No. S-202/D.04/2016 untuk Penawaran No. S-202/D.04/2016 for the limited initial
Umum Terbatas II (PUT II) kepada public offering II (PUT II) with preemptive
Pemegang Saham dengan Hak Memesan rights to Stockholders for 1,099,490,445
Efek Terlebih Dahulu (HMETD) atas common shares with par value of Rp100
1.099.490.445 lembar Saham Biasa Atas (in full Rupiah) per share at exercise price of
Nama dengan nilai nominal Rp100 (dalam Rp400 (in full Rupiah) per share with
Rupiah penuh) per saham dengan harga attached 4,397,961,780 Series III Warrants.
pelaksanaan Rp400 (dalam Rupiah penuh) Every holder of 13 existing shares has 1 pre-
per saham dimana melekat 4.397.961.780 emptive right to purchase 1 new share,
waran Seri III. Setiap pemegang 13 saham wherein for every 1 new share, 4 Series III
lama berhak atas 1 HMETD untuk membeli Warrants are attached, free of charge. Series
1 saham baru, dimana pada setiap 1 saham III Warrants are given as incentives to
baru melekat 4 Waran Seri III yang diberikan stockholders to purchase new shares at a par
oleh Perusahaan secara cuma-cuma. value of Rp100 (in full Rupiah) per share, with
Waran Seri III diberikan sebagai insentif exercise price of Rp625 (in full Rupiah) per
kepada pemegang saham untuk melakukan share, which can be exercised from
pembelian saham baru yang bernilai November 28, 2016 until May 12, 2021,
nominal Rp100 (dalam Rupiah penuh) wherein every 1 (one) Series III Warrant is
per saham dengan harga pelaksanaan entitled to purchase 1 (one) new share at the
sebesar Rp625 (dalam Rupiah penuh) per exercise price.
saham yang dapat mulai tanggal
28 November 2016 sampai dengan
12 Mei 2021 dimana setiap 1 (satu) Waran
Seri III berhak membeli 1 (satu) saham baru
pada harga pelaksanaannya.
Saham Perusahaan telah tercatat di Bursa The Company’s issued shares totaling to
Efek Indonesia yaitu sebanyak 19,517,921,842 shares representing 98.99%
19.517.921.842 saham yang mewakili of its issued shares as of December 31, 2024
98,99% dari saham yang beredar pada and 2023, are listed on the Indonesian Stock
tanggal 31 Desember 2024 dan 2023. Exchange.
- 11 -
Page 623
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Penawaran Umum Obligasi Perusahaan c. Public Offering of Corporate Bonds
Pada tanggal 29 Juni 2022, Perusahaan On June 29, 2022, the Company obtained an
memperoleh Pernyataan Efektif dari Kepala Effectivity Statement from the Chief
Eksekutif Pengawas Pasar Modal Otoritas Executive of the Capital Market Supervision
Jasa Keuangan (OJK) melalui suratnya of the Financial Services Authority (OJK)
No. S-107/D.04/2022 untuk melaksanakan through his letter No. S-107/D.04/2022 to
Penawaran Umum Berkelanjutan Obligasi carry out the Public Offering of Bank
Subordinasi Berkelanjutan I Bank Sinarmas Sinarmas Sustainable Subordinated Bonds I
dengan jumlah pokok obligasi sebanyak- with the maximum principal amount of the
banyaknya Rp3.000.000. Pada Tahap I, bonds of Rp3,000,000. In Phase I, the
Perusahaan menerbitkan dengan jumlah Company issued amounting to Rp500,000
pokok sebesar Rp500.000 dengan tingkat with fixed interest rate of 6.5% per annum
bunga tetap sebesar 6,5% per tahun dengan with a term of 5 year maturity date.
jangka waktu 5 tahun.
d. Pemisahan Unit Usaha Syariah d. Spin-Off of Sharia Business Unit
Perusahaan menerima surat dari Otoritas The Company received a letter from the
Jasa Keuangan No. SR-1/D.03/2023 Financial Services Authority No. SR-
tanggal 14 Februari 2023 tentang 1/D.03/2023 dated February 14, 2023
Persetujuan Prinsip Pendirian PT Bank concerning Approval in Principle for the
Nano Syariah (Badan Usaha Syariah hasil Establishment of PT Bank Nano Syariah
pemisahan Unit Usaha Syariah (UUS) (Sharia Business Entity as a result of the
PT Bank Sinarmas Tbk). separation of the Sharia Business Unit (UUS)
of PT Bank Sinarmas Tbk).
Perusahaan menerima surat dari Otoritas The Company received a letter from the
Jasa Keuangan No. SR-255/PB.02/2023 Financial Services Authority No. SR-
tanggal 10 November 2023 tentang 255/PB.02/2023 dated November 10, 2023,
Keputusan Perpanjangan Jangka Waktu regarding the Decision on the Extension of
Pelaksanaan Kegiatan Usaha PT Bank the Implementation Period for the Business
Nano Syariah. Activities of PT Bank Nano Syariah.
Pemisahan Unit Usaha Syariah telah efektif The separation of Sharia Business Units has
tanggal 1 Januari 2024 dengan pendirian been effective on January 1, 2024 with the
Bank Umum Syariah baru dengan nama establishment of a new Sharia Commercial
PT Bank Nano Syariah. Bank under the name PT Bank Nano
Syariah.
e. Entitas Anak e. Subsidiary
Entitas Anak yang dimiliki oleh Perusahaan The Subsidiary owned by the Company as of
pada tanggal 31 Desember 2024 adalah December 31, 2024 are as follows:
sebagai berikut:
Tahun Beroperasi Persentase
Komersial/Year of Bidang Tempat Kepemilikan Jumlah Aset Sebelum
Commercial Usaha/Nature of Kedudukan/ Efektif/Percentage Eliminasi/Total Assets
Nama/Name Operation Business Domicile of Ownership Before Elimination
PT Bank Nano Syariah 2024 Perbankan Syariah Jakarta 51% 9.692.526
PT Bank Nano Syariah PT Bank Nano Syariah
PT Bank Nano Syariah, sebuah perusahaan PT Bank Nano Syariah, a company
yang berdomisili di Indonesia dan berlokasi domiciled in Indonesia and located at Jl.
di Jl. Teuku Cik Ditiro No. 29, Kec. Menteng, Teuku Cik Ditiro No. 29, Kec. Menteng,
Jakarta Pusat 10310, bergerak di bidang Central Jakarta 10310, is engaged in
perbankan dengan prinsip syariah dan telah banking with sharia principles and has been
beroperasi sejak 1 Januari 2024. starting January 1, 2024.
- 12 -
Page 624
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Susunan pemegang saham PT Bank Nano The composition of shareholders of PT Bank
Syariah adalah sebagai berikut: Nano Syariah is as follows:
1 Januari/January 1, 2024
Jumlah Lembar Persentase Jumlah
Saham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-up
Pemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Bank Sinarmas Tbk 5.100.000.000 51,00% 510.000 PT Bank Sinarmas Tbk
PT Sinarmas Multiartha Tbk 2.500.000.000 25,00% 250.000 PT Sinarmas Multiartha Tbk
PT Asuransi Sinar Mas 2.400.000.000 24,00% 240.000 PT Asuransi Sinar Mas
Jumlah 10.000.000.000 100% 1.000.000 Total
Berdasarkan Akta No. 1 tanggal 2 Januari Based on Deed No. 1 dated January 2, 2024
2024 yang dibuat di hadapan Aulia Taufani made before Aulia Taufani S.H., the
S.H., susunan anggota Dewan Komisaris, composition of the Board of Commissioners,
Direksi, dan Dewan Pengawas Syariah Board of Directors, and Sharia Supervisory
PT Bank Nano Syariah sebagai berikut: Board of PT Bank Nano Syariah is as follows:
1 Januari/
January 1, 2024
Dewan Komisaris Board of Commissioners
Komisaris Utama The Tjun Hau President Commissioner
Komisaris Independen Nana Supriana Independent Commissioner
Komisaris Independen Horas Parsaulian Pardede Independent Commissioner
Direksi Board of Directors
Direktur Utama Halim President Director
Direktur Soejanto Soetjijo Director
Direktur Uzan Tedjamulia Director
Direktur Hanafi Himawan Director
Direktur Suyono Wijaya Director
Dewan Pengawas Syariah Board of Sharia Supervisory
Ketua Ahmadi Sukarno Chairman
Anggota Mochammad Bukhori Muslim Member
f. Karyawan, Direksi dan Dewan Komisaris f. Employees, Boards of Directors and
Boards of Commissioners
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
susunan pengurus Perusahaan adalah Company’s management consists of the
sebagai berikut: following:
2024 2023
Dewan Komisaris Board of Commissioners
Komisaris Utama Tjendrawati Widjaja Tjendrawati Widjaja President Commissioner
Komisaris Independen Sammy Kristamuljana Sammy Kristamuljana Independent Commissioner
Komisaris Independen Rusmin Rusmin Independent Commissioner
Direksi Board of Directors
Direktur Utama Frenky Tirtowijoyo Frenky Tirtowijoyo President Director
Direktur Miko Andidjaja Miko Andidjaja Director
Direktur Ekajaya Ongny Putra Ekajaya Ongny Putra Director
Direktur Enny Kamal Enny Kamal Director
Direktur Sendy Sendy Director
Direktur* Amandalia Johanes - Director*
Direktur** - Halim Director**
Direktur** - Hanafi Himawan Director**
Direktur** - Soejanto Soetjijo Director**
Direktur** - Uzan Tedjamulia Director**
*) Pengangkatan Nyonya Amandalia Johanes sebagai Direktur Perseroan terhitung efektif sejak 28 Oktober 2024.
*) The appointment of Mrs. Amandalia Johanes as the Director of the Company is effective from October 28, 2024.
**) Pada tanggal 1 Januari 2024, komposisi anggota Direksi PT Bank Sinarmas Tbk mengalami perubahan sebagai
hasil dari efektifnya permisahan Unit Usaha Syariah.
**) On January 1, 2024, the composition of the Board of Directors of PT Bank Sinarmas Tbk changed as a result of
the effective separation of the Sharia Business Unit.
- 13 -
Page 625
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Susunan keanggotaan komite-komite yang The members of the committees of the
dimiliki Perusahaan pada tanggal Company as at December 31, 2024 and 2023
31 Desember 2024 dan 2023 adalah are as follows:
sebagai berikut:
2024 2023
Komite Audit Audit Committee
Ketua Sammy Kristamuljana Sammy Kristamuljana Chairman
Anggota Robert A Simanjuntak Robert A Simanjuntak Members
Reynold M Batubara Reynold M Batubara
Komite Remunerasi Remuneration and
dan Nominasi Nomination Committee
Ketua Rusmin Rusmin Chairman
Anggota Tjendrawati Widjaja Tjendrawati Widjaja Members
Christina Suryadinata Christina Suryadinata
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Rusmin Rusmin Chairman
Anggota Tjendrawati Widjaja Tjendrawati Widjaja Members
Robert A Simanjuntak Robert A Simanjuntak
Reynold M Batubara Reynold M Batubara
Dewan Pengawas Syariah* Sharia Supervisory Board*
Ketua - Ahmadi Bin Sukarno Chairman
Anggota - Moch.Bukhori Muslim Member
*) Dengan efektifnya pemisahan Unit Usaha Syariah Perseroan menjadi PT Bank Nano Syariah sejak 1 Januari 2024,
maka Dewan Pengawas Syariah tidak lagi menjabat di Perseroan.
*) With the effective separation of the Sharia Business Unit of the Company into PT Bank Nano Syariah since January 1, 2024,
the Sharia Supervisory Board no longer holds positions in the Company.
Kepala Audit Internal Perusahaan pada As at December 31, 2024 and 2023, the head
tanggal 31 Desember 2024 dan 2023 adalah of the Company’s Internal Audit is Frieda
Frieda Junia. Junia.
Sekretaris Perusahaan pada tanggal The Company’s Corporate Secretary as at
31 Desember 2024 dan 2023 adalah Retno December 31, 2024 and 2023, is Retno Tri
Tri Wulandari. Wulandari.
Personel manajemen kunci Perusahaan Key management personel of the Company
terdiri dari Komisaris, Direksi, Group Head, consists of Commissioners, Directors, Group
Kepala Kantor Wilayah, Wakil Kepala Head, Heads of Regional Offices, Deputy
Kantor Wilayah, Kepala Divisi, Pimpinan Heads of Regional Offices, Heads of
Cabang dan Koordinator Pimpinan Cabang Divisions, Branch Managers and Coordinator
Pembantu. Branch Manager.
Jumlah rata-rata karyawan Grup (tidak The Group has an average total number of
diaudit) adalah 5.543 dan 5.477, masing- employees (unaudited) of 5,543 and 5,477,
masing untuk periode yang berakhir pada for the period ended December 31, 2024 and
tanggal 31 Desember 2024 dan 2023. 2023, respectively.
g. Penyelesaian Laporan Keuangan g. Completion of Consolidated Financial
Konsolidasian Statements
Laporan keuangan konsolidasian PT Bank The consolidated financial statements of
Sinarmas Tbk dan Entitas Anak untuk PT Bank Sinarmas Tbk and Subsidiary for
periode yang berakhir 31 Desember 2024 the period ended December 31, 2024 were
telah diselesaikan dan diotorisasi untuk completed and authorized for issuance by the
terbit oleh Direksi Perusahaan pada tanggal Company’s Board of Directors on March 26,
26 Maret 2025. Direksi Perusahaan 2025. The Company’s Board of Directors
bertanggung jawab atas penyusunan dan who are responsible for the preparation and
penyajian laporan keuangan tersebut. presentation of the financial statements.
- 14 -
Page 626
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. Informasi Kebijakan Akuntansi Material 2. Material Accounting Policy Information
a. Dasar Penyusunan dan Pengukuran a. Basis of Consolidated Financial
Laporan Keuangan Konsolidasian Statements Preparation and Measurement
Laporan keuangan konsolidasian disusun The consolidated financial statements have
dan disajikan dengan menggunakan been prepared and presented in accordance
Standar Akuntansi Keuangan (SAK) di with Indonesian Financial Accounting
Indonesia, meliputi pernyataan dan Standards (“FAS”), which comprise the
interpretasi yang diterbitkan oleh Dewan statements and interpretations issued by the
Standar Akuntansi Keuangan Ikatan Board of Financial Accounting Standards of
Akuntan Indonesia (DSAK IAI) dan Dewan the Indonesian Institute of Accountants
Standar Akuntansi Syariah IAI, dan (DSAK IAI) and Board of Sharia Accounting
Peraturan OJK No. VIII.G.7 tentang of IAI, and OJK Regulation No. VIII.G.7.
“Penyajian dan Pengungkapan Laporan regarding “Presentation and Disclosures of
Keuangan Emiten atau Perusahaan Publik”. Public Companies’ Financial Statements”.
Dasar pengukuran laporan keuangan The measurement basis used is the historical
konsolidasian ini adalah konsep biaya cost, except for certain accounts which are
perolehan, kecuali beberapa akun tertentu measured on the bases described in the
disusun berdasarkan pengukuran lain, related accounting policies. The consolidated
sebagaimana diuraikan dalam kebijakan financial statements, except for the
akuntansi masing-masing akun tersebut. statements of cash flows, are prepared under
Laporan keuangan konsolidasian ini the accrual basis of accounting.
disusun dengan metode akrual, kecuali
laporan arus kas.
Kebijakan akuntansi yang diterapkan dalam The accounting policies adopted in the
penyusunan laporan keuangan preparation of the consolidated financial
konsolidasian untuk periode yang berakhir statements for the period ended December
31 Desember 2024 adalah konsisten 31, 2024 are consistent with those adopted in
dengan kebijakan akuntansi yang the preparation of the financial statements for
diterapkan dalam penyusunan laporan the year ended December 31, 2023.
keuangan untuk tahun yang berakhir 31
Desember 2023.
Laporan arus kas disusun menggunakan The statement of cash flows is prepared
metode langsung dan arus kas based on direct method by classifying cash
dikelompokkan atas dasar kegiatan operasi, flows on the basis of operating, investing and
investasi dan pendanaan. Untuk tujuan financing activities. For the purpose of
penyusunan laporan arus kas consolidated statements of cash flows, cash
konsolidasian, kas dan setara kas and cash equivalents include cash on hand,
mencakup kas, giro pada Bank Indonesia, demand deposits with Bank Indonesia,
giro pada bank lain, penempatan pada Bank demand deposits with other banks, and
Indonesia dan bank lain dan efek-efek placement with Bank Indonesia and other
dengan jatuh tempo tiga bulan atau kurang banks and securities with original maturities
dan yang tidak dijaminkan serta yang tidak of three months or less from the acquisition
dibatasi pencairannya. date and are not used as collateral and are
not restricted.
Laporan keuangan Bank Umum Syariah The Sharia Bank’s financial statements of
disusun berdasarkan Pernyataan Standar Sharia Bank are prepared based on
Akuntansi Keuangan (PSAK) No. 401 Statement of Financial Accounting Standard
(Amendemen 2022) “Penyajian Laporan (SFAS) No. 401 (Amendment 2022)
Keuangan Syariah”, PSAK No. 402 “Presentation of Sharia Financial Statement”,
(Amendemen 2019) “Akuntansi SFAS No. 402 (Amendment 2019)
Murabahah”, PSAK No. 405 “Akuntansi “Murabahah Accounting”, SFAS No. 405
Mudharabah”, PSAK No. 406 “Akuntansi “Mudharabah Accounting”, SFAS No. 406
Musyarakah”, PSAK No. 407 (Amendemen “Musyarakah Accounting”, SFAS No. 407
- 15 -
Page 627
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2021) “Akuntansi Ijarah”, PSAK No. 410 (Amendment 2021) “Ijarah Accounting”,
(Amendemen 2020) “Akuntansi Sukuk”, SFAS No. 410 (Amendment 2020), “Sukuk
Pedoman Akuntansi Perbankan Syariah Accounting”, Accounting Guidelines for
Indonesia (“PAPSI”) dan prinsip-prinsip Indonesian Sharia Banking (“PAPSI”) and
akuntansi yang berlaku umum yang general accounting principles assigned by
ditetapkan Ikatan Akuntan Indonesia, the Indonesian Institute of Accountants,
mencakup pula pedoman akuntansi dan including accounting and reporting principles
pelaporan yang ditetapkan oleh Bank designated by Bank of Indonesia (BI) and
Indonesia (BI) dan Otoritas Jasa Keuangan Otoritas Jasa Keuangan (OJK).
(OJK).
Mata uang yang digunakan dalam The reporting currency used in the
penyusunan dan penyajian laporan preparation of the consolidated financial
keuangan konsolidasian adalah mata uang statements is the Indonesian Rupiah
Rupiah (Rupiah) yang juga merupakan mata (Rupiah) which is also the functional currency
uang fungsional Perusahaan. Rupiah juga of the Company. The subsidiary’s functional
merupakan mata uang fungsional entitas currency is in Rupiah.
anak.
b. Prinsip Konsolidasi b. Principles of Consolidation
Laporan keuangan konsolidasian meliputi The consolidated financial statements
laporan keuangan Perusahaan dan Entitas include the financial statements of the
Anak. Company and its Subsidiary.
Laporan keuangan konsolidasian meliputi Consolidated financial statements include the
laporan keuangan Perusahaan dan Entitas financial statements of the Company and its
Anak yang dikendalikan oleh Perusahaan Subsidiary controlled by the Company and its
dan Entitas Anak (Grup). Pengendalian Subsidiary (the Group) Control is obtained
diperoleh apabila Perusahaan memiliki when the Company has all of the following:
seluruh hal berikut ini:
• Kekuasaan atas investee; • Authority over the investees;
• Eksposur atau hak atas imbal hasil • Exposure or right to variable returns from
variabel dari keterlibatannya dengan its involvement with the investee; and
investee; dan
• Kemampuan untuk menggunakan • Ability to use its authority to influence the
kekuasaannya untuk memengaruhi amount of investor returns.
jumlah imbal hasil investor.
Pengonsolidasian Entitas Anak dimulai saat The consolidation of Subsidiary begins when
Perusahaan memperoleh pengendalian the Company gains control over the
atas Entitas Anak dan berakhir pada saat Subsidiary and ends when the Company
Perusahaan kehilangan pengendalian atas loses control over the Subsidiary Specifically,
Entitas Anak. Secara khusus, penghasilan the income and expenses of the acquired or
dan beban Entitas Anak yang diakuisisi atau disposed Subsidiary during the current year
dilepaskan selama tahun berjalan termasuk are included in the consolidated income
dalam laporan laba rugi dan penghasilan statement and other comprehensive income
komprehensif lain konsolidasian sejak report from the date the Company acquires
tanggal Perusahaan memperoleh control until the date the Company loses
pengendalian sampai dengan tanggal control over the Subsidiary.
Perusahaan kehilangan pengendalian atas
Entitas Anak.
Seluruh aset dan liabilitas, ekuitas, All assets and liabilities, equity, income,
penghasilan, beban, dan arus kas dalam expenses, and cash flows within the
intra kelompok usaha terkait dengan intragroup business related to transactions
transaksi antar entitas dalam Grup between entities within the Group are fully
dieliminasi secara penuh dalam laporan eliminated in the consolidated financial
keuangan konsolidasian. statements.
- 16 -
Page 628
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Laba rugi dan setiap komponen penghasilan Profit and loss and any other components of
komprehensif lain diatribusikan kepada comprehensive income are attributed to the
pemilik Perusahaan dan kepentingan non- owners of the Company and non-controlling
pengendali (KNP) meskipun hal tersebut interests (NCI), even if this results in NCI
mengakibatkan KNP memiliki saldo defisit. having a deficit balance.
KNP disajikan dalam laporan laba rugi dan NCI is presented in the consolidated
penghasilan komprehensif lain statement of profit or loss and other
konsolidasian dan dalam ekuitas pada comprehensive income, and in the equity
laporan posisi keuangan konsolidasian, section of the consolidated statement of
terpisah dari bagian yang dapat financial position, separate from the portion
diatribusikan kepada pemilik Perusahaan. attributable to the Company's owners
Transaksi dengan KNP yang tidak Transactions with NCI that do not result in
mengakibatkan hilangnya pengendalian loss of control are recorded as equity
dicatat sebagai transaksi ekuitas. Selisih transactions The difference between the fair
antara nilai wajar imbalan yang dialihkan value of consideration transferred and the
dengan bagian relatif atas nilai tercatat aset relative portion of the carrying amount of net
bersih Entitas Anak yang diakuisisi dicatat di assets of the acquired Subsidiary is recorded
ekuitas. Keuntungan atau kerugian dari in equity. Gains or losses on disposals to NCI
pelepasan kepada KNP juga dicatat di are also recorded in equity.
ekuitas.
c. Penjabaran Mata Uang Asing c. Foreign Currency Translation
Mata Uang Fungsional dan Pelaporan Functional and Reporting Currencies
Akun-akun yang tercakup dalam laporan Items included in the consolidated financial
keuangan konsolidasian diukur statements are measured using the currency
menggunakan mata uang dari lingkungan of the primary economic environment in
ekonomi utama dimana Grup beroperasi which the Group operates (the functional
(mata uang fungsional). currency).
Laporan keuangan konsolidasian disajikan The consolidated financial statements are
dalam Rupiah, yang merupakan mata uang presented in Rupiah which is the Company’s
fungsional dan mata uang penyajian functional and presentation currency. The
Perusahaan. Rupiah juga merupakan mata subsidiary’s functional currency is in Rupiah.
uang fungsional entitas anak.
Transaksi dan Saldo Transactions and Balances
Transaksi dalam mata uang asing Foreign currency transactions are translated
dijabarkan ke dalam mata uang fungsional into the functional currency using the
menggunakan kurs pada tanggal transaksi. exchange rates prevailing at the dates of the
Keuntungan atau kerugian selisih kurs yang transactions. Foreign exchange gains and
timbul dari penyelesaian transaksi dan dari losses resulting from the settlement of such
penjabaran pada kurs akhir tahun atas aset transactions and from the translation at year
dan liabilitas moneter dalam mata uang end exchange rates of monetary assets and
asing diakui dalam laba rugi. Aset non- liabilities denominated in foreign currencies
moneter yang diukur pada nilai wajar are recognized in profit or loss. Non-
dijabarkan menggunakan kurs pada tanggal monetary assets that are measured at fair
nilai wajar ditentukan. value are translated using the exchange rate
at the date that the fair value was determined.
- 17 -
Page 629
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
kurs konversi yakni kurs Reuters pada pukul conversion rates used by the Group for
16:00 Waktu Indonesia Barat (WIB), yang monetary assets and liabilities were the
digunakan oleh Grup adalah sebagai prevailing Reuters spot rate at 16:00 Western
berikut: Indonesian Time as follows:
2024 2023
(dalam Rupiah penuh)/ (dalam Rupiah penuh)/
(in full Rupiah) (in full Rupiah)
Poundsterling Inggris 20.218,54 19.626,56 Great Britain Poundsterling
Euro 16.758,12 17.038,32 Euro
Dolar Amerika Serikat 16.095,00 15.397,00 United States Dollar
Dolar Singapura 11.844,58 11.676,34 Singapore Dollar
Dolar Australia 10.013,51 10.520,77 Australian Dollar
Dolar New Zealand 9.067,93 9.765,55 New Zealand Dollar
Riyal Arab Saudi 4.284,00 4.106,00 Saudi Riyal
Yuan China 2.198,50 2.169,50 China Yuan
Dolar Hong Kong 2.073,11 1.970,72 Hong Kong Dollar
Yen Jepang 103,03 108,87 Japanese Yen
d. Transaksi Pihak Berelasi d. Transactions with Related Parties
Orang atau entitas dikategorikan sebagai A person or entity is considered a related
pihak berelasi Grup apabila memenuhi party of the Group if it meets the definition of
definisi pihak berelasi berdasarkan PSAK a related party in SFAS No. 224 “Related
No. 224 “Pengungkapan Pihak-pihak Party Disclosures”.
Berelasi”.
Pihak berelasi adalah orang atau entitas A related party is a person or entity that is
yang terkait dengan entitas yang related to the entity that is preparing its
menyiapkan laporan keuangannya (entitas financial statements (reporting entity).
pelapor). Pihak berelasi adalah sebagai Related parties are:
berikut:
i) Orang atau anggota keluarga i) A person or a close member of that
dekatnya mempunyai relasi dengan person’s family is related to a reporting
entitas pelapor jika orang tersebut: entity if that person:
a) Memiliki pengendalian atau a) Has control or joint control of the
pengendalian bersama atas reporting entity;
entitas pelapor;
b) Memiliki pengaruh signifikan atas b) Has control or joint control of the
entitas pelapor; atau reporting entity; or
c) Merupakan personil manajemen c) Is a member of the key
kunci entitas pelapor atau entitas management personnel of the
induk entitas pelapor. reporting entity or of a parent of the
reporting entity.
ii) Entitas mempunyai relasi dengan ii) An entity is related to a reporting entity
entitas pelapor jika entitas tersebut: if any of the following conditions
applies:
a) Entitas dan entitas pelapor a) The entity and the reporting entity
adalah anggota dari kelompok are members of the same group
usaha yang sama (artinya entitas (which means that each parent,
induk, entitas anak, dan entitas subsidiary and fellow subsidiary is
anak berikutnya saling berelasi related to others);
dengan entitas lain);
- 18 -
Page 630
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b) Satu entitas adalah entitas b) One entity is an associate or joint
asosiasi atau ventura bersama venture of the other entity (or an
dari entitas lain (atau entitas associate or joint venture of a
asosiasi atau ventura bersama member of a group of which the
yang merupakan anggota suatu other entity is a member);
kelompok usaha, yang mana
entitas lain tersebut adalah
anggotanya);
c) Kedua entitas tersebut adalah c) Both entities are joint ventures of
ventura bersama dari pihak the same third party;
ketiga yang sama;
d) Satu entitas adalah ventura d) One entity is a joint venture of a
bersama dari entitas ketiga dan third entity and the other entity is an
entitas yang lain adalah entitas associate of the third entity;
asosiasi dari entitas ketiga;
e) Entitas tersebut adalah suatu e) The entity is a post-employment
program imbalan pascakerja benefit plan for the benefit of
untuk imbalan kerja dari salah employees of either the reporting
satu entitas pelapor atau entitas entity or an entity related to the
yang terkait dengan entitas reporting entity. If the reporting
pelapor. Jika entitas pelapor entity is itself such a plan, the
adalah entitas yang sponsoring employers are also
menyelenggarakan program related to the reporting entity;
tersebut, maka entitas sponsor
juga berelasi dengan entitas
pelapor;
f) Entitas yang dikendalikan atau f) The entity controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in
yang diidentifikasi sebagaimana i);
dimaksud dalam angka i);
g) Orang yang diidentifikasi g) A person identified in i) a) has
sebagaimana dimaksud dalam significant influence over the entity
angka i) a) memiliki pengaruh or is a member of the key
signifikan atas entitas atau management personnel of the
merupakan personil manajemen entity (or a parent of the entity); or
kunci entitas (atau entitas induk
dari entitas); atau
h) Entitas atau anggota dari h) Entities or members of the group to
kelompok yang mana entitas which the entity is part of the group,
merupakan bagian dari kelompok providing services to the entity’s
tersebut, menyediakan jasa key management personnel or to
personil manajemen kunci the parent’s entity of the reporting
kepada entitas pelapor atau entity.
kepada entitas induk dari entitas
pelapor.
Semua transaksi dan saldo yang signifikan All significant transactions and balances with
dengan pihak berelasi, baik yang dilakukan related parties, whether or not conducted
dengan syarat normal sebagaimana under terms and conditions similar to those
dilakukan dengan pihak ketiga, maupun granted to third parties, are disclosed in the
tidak, telah diungkapkan pada catatan atas notes to the consolidated financial
laporan keuangan konsolidasian. statements.
- 19 -
Page 631
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
e. Kas dan Setara Kas e. Cash and Cash Equivalents
Kas terdiri dari kas dan bank. Setara kas Cash consists of cash on hand and in banks.
adalah semua investasi yang bersifat jangka Cash equivalents are short-term, highly liquid
pendek dan sangat likuid yang dapat segera investments that are readily convertible to
dikonversikan menjadi kas dengan jatuh known amounts of cash with original
tempo dalam waktu tiga (3) bulan atau maturities of three (3) months or less from the
kurang sejak tanggal penempatannya, dan date of placements, and which are not used
yang tidak dijaminkan serta tidak dibatasi as collateral and are not restricted.
pencairannya.
f. Instrumen Keuangan f. Financial Instruments
Grup menerapkan PSAK No. 109, The Group has applied SFAS No. 109, which
Instrumen Keuangan, mengenai pengaturan set the requirements in classification and
instrumen keuangan terkait klasifikasi dan measurement, impairment in value of
pengukuran, penurunan nilai atas instrumen financial assets and hedging accounting.
keuangan dan akuntansi lindung nilai.
Aset Keuangan Financial Assets
Grup mengklasifikasikan aset keuangan The Group classifies its financial assets in
sesuai dengan PSAK No. 109, Instrumen accordance with SFAS No. 109, Financial
Keuangan, sehingga setelah pengakuan Instruments, that classifies financial assets
awal aset keuangan diukur pada biaya as subsequently measured at amortized cost,
perolehan diamortisasi, nilai wajar melalui fair value through comprehensive income or
penghasilan komprehensif lain atau nilai fair value through profit or loss, on the basis
wajar melalui laba rugi, dengan of both:
menggunakan dua dasar, yaitu:
(a) Model bisnis Grup dalam mengelola (a) The Group’s business model for
aset keuangan; dan managing the financial assets; and
(b) Karakteristik arus kas kontraktual dari (b) The contractual cash flow characteristics
aset keuangan. of the financial assets.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
aset keuangan Grup terdiri dari aset yang Group’s financial assets consist of financial
diukur pada biaya perolehan diamortisasi, assets at amortized cost, financial assets at
aset keuangan yang diukur pada nilai wajar fair value through profit or loss and financial
melalui laba rugi dan aset keuangan yang assets at fair value through other
diukur pada nilai wajar melalui penghasilan comprehensive income.
komprehensif lain.
1. Aset keuangan pada biaya perolehan 1. Financial assets at amortized cost
diamortisasi
Aset keuangan diukur pada biaya A financial asset shall be measured at
perolehan diamortisasi jika kedua amortized cost if both of the following
kondisi berikut terpenuhi: conditions are met:
Aset keuangan dikelola dalam model The financial asset is held within a
bisnis yang bertujuan untuk memiliki business model whose objective is to
aset keuangan dalam rangka hold financial assets in order to collect
mendapatkan arus kas kontraktual; dan contractual cash flows; and
Persyaratan kontraktual dari aset The contractual terms of the financial
keuangan menghasilkan arus kas pada assets give rise on specified dates to
tanggal tertentu yang semata dari cash flows that are solely payments of
pembayaran pokok dan bunga dari principal and interest on the principal
jumlah pokok terutang. amount outstanding.
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Page 632
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset keuangan pada biaya perolehan Financial assets at amortized cost is
diamortisasi diukur pada jumlah yang measured at initial amount minus the
diakui saat pengakuan awal dikurangi principal repayments, plus or minus the
pembayaran pokok, ditambah atau cumulative amortization using the
dikurangi dengan amortisasi kumulatif effective interest method of any
menggunakan metode suku bunga difference between that initial amount
efektif yang dihitung dari selisih antara and the maturity amount, adjusted for
nilai awal dan nilai jatuh temponya, dan allowance for impairment.
dikurangi dengan cadangan kerugian
penurunan nilai.
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, this
2023, kategori ini meliputi kas, giro category includes cash, demand
pada Bank Indonesia, giro pada bank deposits with Bank Indonesia, demand
lain, penempatan pada Bank Indonesia deposit with other banks, placements
dan bank lain, efek-efek, efek-efek yang with Bank Indonesia and other banks,
dibeli dengan janji jual kembali, kredit securities, securities purchased under
yang diberikan dan piutang, tagihan agreement to resell, loan and
akseptasi, pendapatan yang masih receivables, acceptance receivables,
akan diterima dan aset lain-lain. accrued income and other assets.
2. Aset keuangan yang diukur pada nilai 2. Financial assets at fair value through
wajar melalui laba rugi profit or loss
Aset keuangan diukur pada nilai wajar A financial asset shall be measured at
melalui laba rugi kecuali aset keuangan fair value through profit or loss unless it
tersebut diukur pada biaya perolehan is measured at amortized cost or at fair
diamortisasi atau pada nilai wajar value through comprehensive income.
melalui penghasilan komprehensif lain.
Derivatif juga diklasifikasikan sebagai Derivatives are also categorized as fair
diukur pada nilai wajar melalui laba rugi, value through profit or loss unless they
kecuali derivatif yang ditetapkan are designated as effective hedging
sebagai instrumen lindung nilai yang instruments.
efektif.
Aset keuangan yang diukur pada nilai Financial assets at FVTPL are recorded
wajar melalui laba rugi dicatat pada in the statement of financial position at
laporan posisi keuangan pada nilai fair value. Changes in fair value are
wajarnya. Perubahan nilai wajar recognized directly in profit or loss.
langsung diakui dalam laba rugi. Bunga Interest earned is recorded as interest
yang diperoleh dicatat sebagai income, while dividend income is
pendapatan bunga, sedangkan recorded as part of other income
pendapatan dividen dicatat sebagai according to the terms of the contract, or
bagian dari pendapatan lain-lain sesuai when the right of payment has been
dengan persyaratan dalam kontrak, established.
atau pada saat hak untuk memperoleh
pembayaran atas dividen tersebut telah
ditetapkan.
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023,
2023, efek-efek berupa obligasi securities in the form of Government
Pemerintah, reksadana, dan tagihan bond, mutual funds, and derivative
derivatif diklasifikasikan dalam kategori receivables are classified in this
ini. category.
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Page 633
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. Aset keuangan yang diukur pada nilai 3. Financial assets at fair value through
wajar melalui penghasilan other comprehensive income
komprehensif lain
Aset keuangan diukur pada nilai wajar A financial asset shall be measured at
melalui penghasilan komprehensif lain fair value through other comprehensive
jika kedua kondisi berikut terpenuhi: income if both of the following conditions
are met:
a. Aset keuangan dikelola dalam a. The financial asset is held within a
model bisnis yang tujuannya akan business model whose objective is
terpenuhi dengan mendapatkan achieved by both collecting
arus kas kontraktual dan menjual contractual cash flows and selling
aset keuangan; dan financial assets; and
b. Persyaratan kontraktual dari aset b. The contractual terms of the
keuangan menghasilkan arus kas financial asset give rise on specified
pada tanggal tertentu yang semata dates to cash flows that are solely
dari pembayaran pokok dan bunga payments of principal and interest
dari jumlah pokok terutang. on the principal amount
outstanding.
Aset keuangan berupa surat berharga Debt securities financial assets which
utang yang diukur pada nilai wajar are initially measured at fair value
melalui penghasilan komprehensif lain through comprehensive income are
selanjutnya diukur pada nilai wajar subsequently measured at fair value less
dikurangi dengan cadangan kerugian allowance for impairment, with
penurunan nilai, dengan keuntungan unrealized gains or losses recognized in
atau kerugian yang belum direalisasi other comprehensive income until the
diakui dalam penghasilan komprehensif financial assets are derecognized or
lain, sampai aset keuangan tersebut reclassified, at which time the cumulative
dihentikan pengakuannya atau gain or loss is reclassified to profit or
direklasifikasi, dimana pada saat itu loss. Gains or losses from impairment
akumulasi keuntungan atau kerugian and foreign exchange and interest
direklasifikasi ke laba rugi. Keuntungan calculated using effective interest
atau kerugian penurunan nilai dan method are recognized in profit or loss.
selisih kurs dan bunga yang dihitung
menggunakan metode suku bunga
efektif diakui dalam laba rugi.
Aset keuangan berupa instrumen Equity securities financial assets which
ekuitas yang diukur pada nilai wajar are initially measured at fair value
melalui penghasilan komprehensif lain through comprehensive income are
selanjutnya diukur pada nilai wajar, subsequently measured at fair value,
dengan keuntungan atau kerugian yang with unrealized gains or losses
belum direalisasi diakui dalam recognized in other comprehensive
penghasilan komprehensif lain. Saat income. At the time the financial assets
aset keuangan tersebut dihentikan are derecognized or reclassified, the
pengakuannya atau direklasifikasi, cumulative gain or loss is reclassified to
akumulasi keuntungan atau kerugian retained earnings.
direklasifikasi ke saldo laba.
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the
2023, kategori ini meliputi investasi Group’s securities in the form of
efek-efek dalam bentuk obligasi Government and corporate bonds.
Pemerintah dan korporasi.
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Page 634
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Liabilitas Keuangan dan Instrumen Financial Liabilities and Equity
Ekuitas Instruments
Liabilitas keuangan dan instrumen ekuitas Financial liabilities and equity instruments of
Grup diklasifikasikan berdasarkan substansi the Group are classified according to the
perjanjian kontraktual serta definisi liabilitas substance of the contractual arrangements
keuangan dan instrumen ekuitas. Kebijakan entered into and the definitions of a financial
akuntansi yang diterapkan atas instrumen liability and equity instrument.
keuangan tersebut diungkapkan berikut ini. The accounting policies adopted for specific
financial instruments are set out below.
Instrumen Ekuitas Equity Instruments
Instrumen ekuitas adalah setiap kontrak An equity instrument is any contract that
yang memberikan hak residual atas aset evidences a residual interest in the assets of
suatu entitas setelah dikurangi dengan an entity after deducting all of its liabilities.
seluruh liabilitasnya. Instrumen ekuitas Equity instruments are recorded at the
dicatat sejumlah hasil yang diterima, setelah proceeds received, net of direct issue costs.
dikurangkan dengan biaya penerbitan
langsung.
Liabilitas Keuangan Financial Liabilities
Tidak terdapat perubahan signifikan dalam There are no significant changes in
klasifikasi dan pengukuran liabilitas classification and measurement of financial
keuangan. liabilities.
Liabilitas keuangan dalam lingkup PSAK Financial liabilities within the scope of SFAS
No. 109 diklasifikasikan sebagai berikut: (i) No. 109 are classified as follows: (i) financial
liabilitas keuangan yang diukur dengan liabilities at amortized cost, (ii) financial
biaya diamortisasi, (ii) liabilitas keuangan liabilities at fair value through profit and loss
yang diukur dengan nilai wajar melalui laba (FVTPL). The Group determines the
rugi. Grup menentukan klasifikasi liabilitas classification of its financial liabilities at initial
keuangan pada saat pengakuan awal. recognition.
Seluruh liabilitas keuangan diakui pada All financial liabilities are recognized initially
awalnya sebesar nilai wajar dan, dalam hal at fair value and, in the case of loans and
pinjaman dan utang, termasuk biaya borrowings, inclusive of directly attributable
transaksi yang dapat diatribusikan secara transaction costs and subsequently
langsung dan selanjutnya diukur pada biaya measured at amortized cost using the
perolehan diamortisasi dengan effective interest rate method.
menggunakan metode suku bunga efektif. The amortization of the effective interest rate
Amortisasi suku bunga efektif disajikan is included in finance costs in profit or loss.
sebagai bagian dari beban keuangan dalam
laba rugi.
1. Liabilitas keuangan yang diukur pada 1. Financial liabilities at amortized cost
biaya perolehan diamortisasi
Liabilitas keuangan pada biaya Financial liabilities at amortized cost is
perolehan diamortisasi diukur pada measured at initial amount minus the
jumlah yang diakui saat pengakuan principal repayments, plus or minus the
awal dikurangi pembayaran pokok, cumulative amortization using the
ditambah atau dikurangi dengan effective interest method of any
amortisasi kumulatif menggunakan difference between that initial amount
metode suku bunga efektif yang and the maturity amount.
dihitung dari selisih antara nilai awal
dan nilai jatuh temponya.
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Page 635
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the
2023, kategori ini meliputi liabilitas Group’s liabilities immediately payable,
segera, simpanan, simpanan dari bank deposits, deposits from other banks,
lain, liabilitas akseptasi, efek-efek yang acceptances payable, securities sold
dijual dengan janji beli Kembali, beban under agreement to repurchased,
yang masih harus dibayar, obligasi accrued expenses, subordinated bonds,
subordinasi, serta liabilitas lain-lain and other liabilities in the form of security
dalam bentuk setoran jaminan L/C dan deposit for L/C and bank guarantee are
bank garansi yang dimiliki oleh Grup. included in this category.
2. Liabilitas keuangan yang diukur pada 2. Financial liabilities at fair value through
nilai wajar melalui laba rugi profit or loss
Liabilitas keuangan diklasifikasikan Financial liabilities are classified in this
dalam kategori ini apabila liabilitas category if these result from trading
tersebut merupakan hasil dari aktivitas activities or derivative transactions that
perdagangan atau transaksi derivatif are not accounted for as accounting
yang tidak dimaksudkan sebagai hedges, or when the Company elects to
lindung nilai, atau jika Perusahaan designate a financial liability under this
memilih untuk menetapkan liabilitas category.
keuangan tersebut dalam kategori ini.
Perubahan dalam nilai wajar langsung Changes in fair value are recognized
diakui dalam laba rugi. directly in profit or loss.
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023,
2023, kategori ini meliputi liabilitas derivative liabilities are included in this
derivatif. category.
Instrumen Keuangan Derivatif Derivative Financial Instruments
Dalam usaha normalnya, Perusahaan In the normal course of business, the
melakukan transaksi instrumen keuangan Company enters into transactions involving
derivatif berupa kontrak tunai dan berjangka derivative financial instruments such as
mata uang asing. Instrumen keuangan foreign currency spot and forward contracts
derivatif diukur dan disajikan di laporan and foreign currency swaps. Derivative
posisi keuangan pada nilai wajar dengan financial instruments are measured and
menggunakan harga pasar. Derivatif dicatat presented in the statement of financial
sebagai aset apabila memiliki nilai wajar position at their fair values. Derivatives are
positif dan sebagai liabilitas apabila memiliki carried as assets when the fair value is
nilai wajar negatif. Keuntungan atau positive and as liabilities when the fair value
kerugian yang terjadi dari perubahan nilai is negative. Gains or losses as a result of fair
wajar diakui dalam laba/rugi. value changes are recognized in profit or
loss.
Saling Hapus Instrumen Keuangan Offsetting of Financial Instruments
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and
saling hapus dan nilai bersihnya disajikan the net amount reported in the statement of
dalam laporan posisi keuangan jika, dan financial position if, and only if, there is a
hanya jika, Perusahaan saat ini memiliki hak currently enforceable right to offset the
yang berkekuatan hukum untuk melakukan recognized amounts and there is intention to
saling hapus atas jumlah yang telah diakui settle on a net basis, or to realize the asset
tersebut dan berniat untuk menyelesaikan and settle the liability simultaneously.
secara neto atau untuk merealisasikan aset
dan menyelesaikan liabilitasnya secara
simultan.
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Page 636
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Reklasifikasi Aset Keuangan Reclassifications of Financial Assets
Sesuai dengan ketentuan PSAK No. 109, In accordance with SFAS No. 109, Financial
Instrumen Keuangan, Perusahaan Instruments, the Company reclassifies its
mereklasifikasi seluruh aset keuangan financial assets when, and only when, the
dalam kategori yang terpengaruh, jika dan Group changes its business model for
hanya jika, Grup mengubah model bisnis managing financial assets. While, any
untuk pengelolaan aset keuangan tersebut. financial liabilities shall not be reclassified.
Sedangkan, liabilitas keuangan tidak
direklasifikasi.
Penurunan Nilai Aset Keuangan Impairment of Financial Asset
Pada setiap tanggal pelaporan, Grup At each reporting date, the Group assesses
menilai apakah risiko kredit dari instrumen whether the credit risk on a financial
keuangan telah meningkat secara signifikan instrument has increased significantly since
sejak pengakuan awal. Ketika melakukan initial recognition. When making the
penilaian, Grup mengacu pada perubahan assessment, the Group uses the change in
atas risiko gagal bayar yang terjadi the risk of a default occurring over the
sepanjang perkiraan usia instrumen expected life of the financial instrument
keuangan daripada perubahan atas jumlah instead of the change in the amount of
kerugian kredit ekspektasian. Dalam expected credit losses. To make that
melakukan penilaian, Grup membandingkan assessment, the Group compares the risk of
antara risiko gagal bayar yang terjadi atas a default occurring on the financial instrument
instrumen keuangan pada saat periode as at the reporting date with the risk of a
pelaporan dengan risiko gagal bayar yang default occurring on the financial instrument
terjadi atas instrumen keuangan pada saat as at the date of initial recognition and
pengakuan awal dan mempertimbangkan consider reasonable and supportable
kewajaran serta ketersediaan informasi, information, that is available without undue
yang tersedia tanpa biaya atau usaha pada cost or effort at the reporting date about past
saat tanggal pelaporan terkait dengan events, current conditions and forecasts of
kejadian masa lalu, kondisi terkini dan future economic conditions, that is indicative
perkiraan atas kondisi ekonomi di masa of significant increases in credit risk since
depan, yang mengindikasikan kenaikan initial recognition.
risiko kredit sejak pengakuan awal.
Grup menggunakan pendekatan umum The Group uses the general approach to
dalam mengukur penurunan nilai (Tahap 1, measure impairment for financial assets
Tahap 2 dan Tahap 3) dengan menentukan (Stage 1, Stage 2 and Stage 3) by
apakah terjadi peningkatan risiko kredit determining whether a significant increase in
yang signifikan atas aset keuangan sejak credit risk has occurred on financial asset
awal atau fasilitas tersebut gagal bayar pada since initial recognition or whether the facility
tanggal pelaporan. is defaulted on the reporting date.
1. Tahap 1 - Kerugian Kredit 1. Stage 1 - 12-months Expected Credit
Ekspektasian (“ECL”) 12 bulan Losses (ECL)
Tahap 1 mencakup aset keuangan yang Stage 1: includes financial assets that
tidak memiliki peningkatan signifikan have not had a significant increase in
atas risiko kredit sejak pengakuan awal credit risk since initial recognition or that
atau memiliki risiko kredit rendah pada have low credit risk as at the reporting
tanggal pelaporan. Untuk aset ini, ECL date. For these assets, 12-months ECL
12 bulan akan dihitung. is recognized.
Aset keuangan yang dikategorikan Financial assets categorized as Stage 1
sebagai Tahap 1 adalah aset keuangan are financial assets that are overdue for
dengan hari tunggakan kurang atau 30 days or less.
sama dengan 30 hari.
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Page 637
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. Tahap 2 - Peningkatan risiko kredit 2. Stage 2 - Significant increase in credit
yang signifikan risk
Tahap 2 mencakup aset keuangan Stage 2: includes financial assets that
yang mengalami peningkatan signifikan have had a significant increase in credit
atas risiko kredit, namun tidak memiliki risk but do not have objective evidence
bukti penurunan nilai yang obyektif. of impairment. For these assets, lifetime
Untuk aset ini, ECL lifetime dihitung. ECL are recognized.
Aset keuangan yang dianggap telah Financial assets are considered to
mengalami peningkatan risiko kredit experience significant increase in credit
yang signifikan dan dikategorikan risk and categorized as Stage 2 if the
sebagai Tahap 2 jika aset keuangan financial assets are 31-90 days past due.
memiliki hari tunggakan dari 31-90 hari. Financial asset that has proposed
Aset keuangan yang telah restructuring program, is considered to
mengajukan program restrukturisasi, experience significant increase in credit
juga dianggap telah mengalami risk, thus, categorized as Stage 2.
peningkatan risiko kredit yang signifikan
sehingga akan dikategorikan sebagai
Tahap 2.
3. Tahap 3 - Eksposur yang mengalami 3. Stage 3 - Credit impaired (or
penurunan nilai kredit atau gagal defaulted) exposures
bayar
Tahap 3 mencakup aset keuangan Stage 3 includes financial assets that
yang memiliki bukti obyektif penurunan have objective evidence of impairment
nilai pada tanggal pelaporan. Tahap ini as at the reporting date. This stage
berisi debitur yang telah impaired includes debtor’s accounts that already
(gagal bayar). are impaired (defaulted).
Aset keuangan yang dikategorikan Financial assets categorized as Stage 3
sebagai Tahap 3 adalah aset are financial assets that are more than 90
keuangan dengan hari tunggakan lebih days past due.
dari 90 hari.
Faktor utama dalam menentukan apakah The key factor in determining whether
aset keuangan memerlukan ECL 12 bulan allowance for ECL in a financial asset should
(Tahap 1) atau ECL lifetime (Tahap 2) be measured using 12-months (Stage 1) or
disebut dengan kriteria Peningkatan lifetime ECL (Stage 2) is the Significant
Signifikan dalam Risiko Kredit (SICR). Increase in Credit Risk (SICR). Determining
Penentuan kriteria peningkatan risiko kredit SICR involves assessment of whether there
yang signifikan (SICR) memerlukan has been a significant increase in credit risk at
pengkajian apakah telah terjadi peningkatan reporting date.
risiko kredit yang signifikan pada tanggal
pelaporan.
PSAK No. 109 mensyaratkan penyertaan SFAS No. 109 requires inclusion of
informasi tentang kejadian masa lalu, kondisi information about past events, current
saat ini, dan perkiraan kondisi ekonomi conditions, and forecasts of future economic
masa depan. Perkiraan perubahan dalam conditions. The estimates of changes in
kerugian kredit yang diharapkan harus expected credit losses should reflect, and be
mencerminkan, dan secara langsung directionally consistent with, changes in
konsisten dengan, perubahan dalam data related observable data from period to period.
terkait yang diobservasi dari periode ke The calculation of ECL requires estimation of
periode. Perhitungan ECL ini membutuhkan forward-looking Probability of Default (PD),
estimasi forward-looking dari Probability of Loss Given Default (LGD), and Exposure at
Default (PD), Loss Given Default (LGD), Default (EAD).
dan Exposure at Default (EAD).
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Page 638
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. Probability of Default (“PD”) 1. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over
dikalibrasikan sampai dengan periode up to 12 months from the reporting date
12 bulan dari tanggal laporan (Tahap (Stage 1) or over the lifetime of the
1) atau sepanjang umur (Tahap 2 dan product (Stage 2 and 3) and
3) dan digabungkan pada dampak incorporated with the impact of forward-
asumsi ekonomi masa depan yang looking economic assumptions that have
memiliki risiko kredit. PD diestimasikan an effect on credit risk. PD estimated at
pada suatu titik waktu (point in time) a point in time that means it will fluctuate
dimana hal ini berfluktuasi sejalan in line with the economic cycle.
dengan siklus ekonomi.
2. Loss Given Default (“LGD”) 2. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul The loss that is expected to arise from
dari debitur yang mengalami gagal debtors who defaulted incorporating the
bayar dengan menggabungkan dampak impact of relevant forward- looking
dari asumsi ekonomi masa depan yang economic assumptions (if any), which
relevan (jika ada) dimana hal ini represents the difference between the
mewakili perbedaan antara arus kas contractual cash flows due and those
kontraktual yang akan jatuh tempo that the Group expects to receive. The
dengan arus kas yang diharapkan untuk Group estimates LGD based on the
diterima. Grup mengestimasikan LGD historical recovery rates and considers
berdasarkan data historis dari tingkat the recovery of all assets managed by
pemulihan dan memperhitungkan the Grup, taking into account forward-
pemulihan yang berasal dari seluruh looking economic assumptions.
aset yang dikelola oleh Grup dengan
mempertimbangkan asumsi ekonomi
masa depan.
3. Exposure at Default (“EAD”) 3. Exposure at Default (“EAD”)
Perkiraan nilai eksposur laporan posisi The expected balance sheet exposure at
keuangan pada saat gagal bayar the time of default, taking into account
dengan mempertimbangkan bahwa that expected change in exposure over
perubahan ekspektasi yang diharapkan the lifetime of the exposure. This
selama masa eksposur. Hal ini incorporates the impact of drawdowns of
menggabungkan dampak penarikan committed facilities, repayments of
fasilitas yang hampir pasti terjadi principal and interest, amortization and
(committed), pembayaran pokok dan prepayments, with the impact of forward-
bunga, amortisasi dan pembayaran looking economic assumptions.
dipercepat, bersama dengan dampak
asumsi ekonomi masa depan.
Penghentian Pengakuan Aset dan Derecognition of Financial Assets and
Liabilitas Keuangan Liabilities
1. Aset Keuangan 1. Financial Assets
Aset keuangan (atau bagian dari suatu Financial asset (or, where applicable, a
aset keuangan, atau kelompok aset part of a financial asset or part of a group
keuangan serupa) dihentikan of similar financial assets) is
pengakuannya jika: derecognized when:
a. Hak kontraktual atas arus kas yang a. The rights to receive cash flows
berasal dari aset keuangan from the asset have expired;
tersebut berakhir;
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PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Grup telah mengalihkan haknya b. The Group has transferred its rights
untuk menerima arus kas dari aset to receive cash flows from the asset
atau menanggung kewajiban untuk or has assumed an obligation to pay
membayar arus kas yang diterima the received cash flows in full
tersebut secara penuh tanpa without material delay to a third
penundaan yang material kepada party under a ‘pass-through’
pihak ketiga berdasarkan arrangement; an either (a) The
kesepakatan ’pass-through’, dan Group has transferred substantially
salah satu dari (a) Grup telah all the risks and rewards of the
mengalihkan secara substansial asset, or (b) The Group has neither
seluruh risiko dan manfaat atas transferred nor retained
aset, atau (b) Grup tidak substantially the risks and rewards
mengalihkan maupun tidak of the asset, but has transferred
memiliki secara substansial atas control of the asset.
seluruh risiko dan manfaat atas
aset, tetapi telah mengalihkan
kendali atas aset.
2. Liabilitas Keuangan 2. Financial Liabilities
Liabilitas keuangan dihentikan A financial liability is derecognized when
pengakuannya jika liabilitas keuangan the obligation under the contract is
tersebut berakhir, dibatalkan, atau telah discharged, cancelled or has expired.
kadaluarsa.
g. Pengukuran Nilai Wajar g. Fair Value Measurement
Pengukuran nilai wajar didasarkan pada The fair value measurement is based on the
asumsi bahwa transaksi untuk menjual aset presumption that the transaction to sell the
atau mengalihkan liabilitas akan terjadi: asset or transfer the liability takes place
either:
1. di pasar utama untuk aset atau liabilitas 1. in the principal market for the asset or
tersebut atau; liability or;
2. jika tidak terdapat pasar utama, di pasar 2. in the absence of a principal market, in
yang paling menguntungkan untuk aset the most advantageous market for the
atau liabilitas tersebut. asset or liability
Grup harus memiliki akses ke pasar utama The Group must have access to the principal
atau pasar yang paling menguntungkan or the most advantageous market at the
pada tanggal pengukuran. measurement date.
Nilai wajar aset atau liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan digunakan measured using the assumptions that market
pelaku pasar ketika menentukan harga aset participants would use when pricing the asset
atau liabilitas tersebut, dengan asumsi or liability, assuming that market participants
bahwa pelaku pasar bertindak dalam act in their economic best interest.
kepentingan ekonomi terbaiknya.
Pengukuran nilai wajar aset non-keuangan A fair value measurement of a non-financial
memperhitungkan kemampuan pelaku asset takes into account a market
pasar untuk menghasilkan manfaat participant’s ability to generate economic
ekonomik dengan menggunakan aset benefits by using the asset in its highest and
dalam penggunaan tertinggi dan terbaiknya, best use or by selling it to another market
atau dengan menjualnya kepada pelaku participant that would use the asset in its
pasar lain yang akan menggunakan aset highest and best use.
tersebut dalam penggunaan tertinggi dan
terbaiknya.
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PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Ketika Grup menggunakan teknik penilaian, When the Group uses valuation techniques,
maka Perusahaan memaksimalkan it maximizes the use of relevant observable
penggunaan input yang dapat diobservasi inputs and minimizing the use of
yang relevan dan meminimalkan unobservable inputs.
penggunaan input yang tidak dapat
diobservasi.
Seluruh aset dan liabilitas yang mana nilai All assets and liabilities for which fair value is
wajar aset atau liabilitas tersebut diukur atau measured or disclosed in the financial
diungkapkan, dikategorikan dalam hirarki statements are categorized within the fair
nilai wajar sebagai berikut: value hierarchy as follows:
• Level 1 - harga kuotasian (tanpa • Level 1 - Quoted (unadjusted) market
penyesuaian) di pasar aktif untuk aset prices in active markets for identical
atau liabilitas yang identik; assets or liabilities;
• Level 2 - teknik penilaian dimana level • Level 2 - Valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to
pengukuran nilai wajar dapat the fair value measurement is directly or
diobservasi, baik secara langsung indirectly observable;
maupun tidak langsung;
• Level 3 - teknik penilaian dimana level • Level 3 - Valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to
pengukuran nilai wajar tidak dapat the fair value measurement is
diobservasi. unobservable.
Untuk aset dan liabilitas yang diukur pada For assets and liabilities that are recognized
nilai wajar secara berulang dalam laporan in the financial statements on a recurring
keuangan, maka Grup menentukan apakah basis, the Group determines whether there
telah terjadi transfer di antara are transfers between levels in the hierarchy
level hirarki dengan menilai kembali by re-assessing categorization at the end of
pengkategorian level nilai wajar pada setiap each reporting period.
akhir periode pelaporan.
h. Giro Wajib Minimum (GWM) h. Minimum Liquidity Reserve
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
GWM Grup telah sesuai dengan ketentuan Group's Statutory Reserves has complied
Peraturan Bank Indonesia (“PBI”) mengenai with the provisions of Bank Indonesia
Giro Wajib Minimum Bank Umum pada Regulations ("PBI") regarding the minimum
Bank Indonesia dalam Rupiah dan Mata Statutory Reserves for Commercial Banks at
Uang Asing, dengan perubahan terakhir Bank Indonesia in Rupiah and Foreign
sesuai dengan Peraturan Anggota Dewan Currency, with latest amendment in
Gubernur No. 12 Tahun 2023 tanggal 1 accordance with Regulation of Members of
Oktober 2023 tentang Perubahan Kedua the Board of Governors No. 12 Year 2023
atas Peraturan Anggota Dewan Gubernur dated October 1, 2023 concerning the
No. 24/8/PADG/2022 tentang Peraturan second amendment to the Regulation of
Pelaksanaan Pemenuhan Giro Wajib Members of the Board of Governors No.
Minimum dalam Rupiah dan Valuta Asing 24/8/PADG/2022 concerning Minimum
bagi Bank Umum Konvensional, Bank Statutory Reserves in Rupiah and Foreign
Umum Syariah, dan Unit Usaha Syariah, Currency for Conventional Commercial
dimana rasio GWM Rupiah harus dipenuhi Banks, Islamic Commercial Banks, and
sebesar 9% dengan pemenuhan secara Sharia Business Units, where the Rupiah
harian sebesar 0%, PLM sebesar 5%, serta Statutory Reserves must be met is 9% with
valuta asing sebesar 4%. daily fulfillment of 0%, PLM for 5%, as well as
foreign currency of 4%.
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Page 641
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
i. Penempatan pada Bank Indonesia dan i. Placements with Bank Indonesia and
Bank Lain Other Banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain merupakan penanaman dana dalam banks represent investments in call money,
bentuk call money, deposit facility, dan term deposit facility, and term deposit.
deposit.
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain diklasifikasikan sebagai aset keuangan banks are classified as financial assets at
yang diukur biaya perolehan diamortisasi. amortized cost. Refer to Note 2f for the
Lihat Catatan 2f untuk kebijakan akuntansi accounting policy on financial instruments.
pengukuran instrumen keuangan.
j. Efek-efek j. Marketable Securities
Efek-efek selain Sukuk Securities other than Sukuk
Efek-efek yang dimiliki terdiri dari Sertifikat Marketable securities consist of Bank
Bank Indonesia, obligasi, reksadana, Indonesia Deposit Certificate, bonds, mutual
tagihan wesel ekspor, dan efek-efek pasar funds, export bills receivable, and other
uang dan pasar modal lainnya. money market and capital market securities.
Obligasi terdiri dari Obligasi Pemerintah dan Bonds consist of Government Bonds and
Obligasi Korporasi yang dibeli dari pasar. Corporate Bonds purchased from the market.
Efek-efek dan Obligasi Pemerintah Marketable securities and Government
diklasifikasikan sebagai aset keuangan Bonds are classified as financial assets at fair
yang diukur pada nilai wajar melalui laba value through profit loss, other
rugi, pada nilai wajar melalui penghasilan comprehensive income, and at amortized
komprehensif lain, dan biaya perolehan cost. Refer to Note 2f for the accounting
diamortisasi. Lihat Catatan 2f untuk policy on financial instruments.
kebijakan akuntansi atas pengukuran
instrumen keuangan.
Investasi Sukuk Investment in Sukuk
Investasi sukuk yang diukur pada biaya Investment in sukuk measured at cost are
perolehan pada awalnya diakui sebesar initially recognized at cost, including
biaya perolehan, termasuk biaya transaksi. transaction costs. The difference between
Selisih antara biaya perolehan dan nilai the acquisition cost and nominal value is
nominal diamortisasi secara garis lurus amortized on straight-line basis over the term
selama jangka waktu sukuk dan diakui of sukuk and recognized in profit or loss. An
dalam laba rugi. Rugi penurunan nilai diakui impairment loss is recognized in profit or loss
dalam laba rugi apabila jumlah terpulihkan when the recoverable amount is less than the
lebih kecil daripada jumlah tercatat. carrying amount.
Investasi sukuk yang diukur pada nilai wajar Investment in sukuk measured at fair value
melalui laba rugi pada awalnya diakui through profit or loss are initially recognized
sebesar biaya perolehan, tidak termasuk at cost, excluding transaction costs. After
biaya transaksi. Setelah pengakuan awal, initial recognition, the difference between the
selisih antara nilai wajar dan jumlah tercatat fair value and the carrying amount is
diakui dalam laba rugi. recognized in profit or loss.
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PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Investasi sukuk yang diukur pada nilai wajar Investment in sukuk measured at fair value
melalui penghasilan komprehensif lain pada through other comprehensive income are
awalnya diakui sebesar biaya perolehan, initially recognized at cost, including
termasuk biaya transaksi. Setelah transaction costs. After initial recognition, the
pengakuan awal, selisih antara biaya difference between the acquisition cost and
perolehan dan nilai nominal diamortisasi nominal value is amortized on straight-line
secara garis lurus selama jangka waktu basis over the term of the sukuk and
sukuk dan diakui dalam laba rugi. recognized in profit or loss. Gains or losses
Keuntungan atau kerugian dari perubahan from changes in fair value is recognized in
nilai wajar diakui dalam penghasilan other comprehensive income. When the
komprehensif lain. Ketika investasi sukuk investments in sukuk are derecognized, the
dihentikan pengakuannya, akumulasi cumulative gain or loss previously recognized
keuntungan atau kerugian yang in other comprehensive income is
sebelumnya diakui dalam penghasilan reclassified to profit or loss as a
komprehensif lain direklasifikasi ke laba rugi reclassification adjustment. An impairment
sebagai penyesuaian reklasifikasi. Rugi loss is recognized in profit or loss when the
penurunan nilai diakui dalam laba rugi recoverable amount is less than the carrying
apabila jumlah terpulihkan lebih kecil amount, after taking into account the balance
daripada jumlah tercatat, setelah in other comprehensive income.
memperhitungkan saldo dalam penghasilan
komprehensif lain.
k. Kredit yang Diberikan dan Piutang/ l. k. Loans and Receivables/Sharia Financing
Pembiayaan Syariah
Kredit yang diberikan adalah penyediaan Loans represent provision of cash or cash
uang atau tagihan yang dapat disetarakan equivalents based on agreements with
dengan kas, berdasarkan persetujuan atau borrowers, where borrowers required to
kesepakatan pinjam-meminjam dengan repay their debts with interest after specified
debitur yang mewajibkan debitur untuk periods.
melunasi utang berikut bunganya setelah
jangka waktu tertentu.
Kredit yang diberikan diklasifikasikan Loans are classified as financial assets at
sebagai aset keuangan yang diukur pada amortized cost (Note 2f).
biaya perolehan diamortisasi (Catatan 2f).
Termasuk dalam kredit yang diberikan Loans include sharia financing which consist
adalah pembiayaan syariah yang terdiri dari of murabahah receivables, qardh
piutang murabahah, piutang qardh, receivables, musyarakah financing,
pembiayaan musyarakah, pembiayaan mudharabah financing and ijarah
mudharabah dan piutang ijarah. receivables.
Murabahah adalah akad jual beli barang Murabahah is an agreement for the sale and
dengan harga jual sebesar biaya perolehan purchase of goods with sales price equivalent
ditambah keuntungan (marjin) yang to cost plus agreed margin, and the seller
disepakati dan penjual harus should inform the buyer the purchase cost.
mengungkapan biaya perolehan barang
tersebut kepada pembeli.
Qardh adalah akad pinjam meminjam dana Qardh is a loan/borrowing funds without profit
tanpa imbalan dengan liabilitas pihak wherein the borrower returns the principal of
peminjam mengembalikan pokok pinjaman the loan at lump sum or on installment over
secara sekaligus atau cicilan dalam jangka certain period.
waktu tertentu.
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Page 643
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Musyarakah adalah akad kerjasama antara Musyarakah is an agreement between
dua pihak atau lebih untuk suatu usaha investors (musyarakah partners) to have a
tertentu, dimana masing-masing pihak joint-venture in a partnership, at an agreed
memberikan kontribusi dana dengan nisbah sharing portion, while losses will be
ketentuan bahwa keuntungan dibagi proportionately distributed based on the
berdasarkan kesepakatan sedangkan capital contribution. These funds including
kerugian berdasarkan porsi kontribusi dana. cash or non-cash assets which are allowed
Dana tersebut meliputi kas atau aset nonkas by sharia.
yang diperkenankan oleh syariah.
Mudharabah adalah akad kerjasama usaha Mudharabah is an agreement between the
antara bank sebagai pemilik dana (shahibul bank as an owner of funds (shahibul maal)
maal) dan nasabah selaku pengelola dana and customer as a fund manager (mudharib)
(mudharib), menjalankan usaha dengan to run a business with pre-defined terms of
penentuan awal keuntungan dan kerugian gain or loss (nisbah). Ijarah is a lease
(nisbah). Ijarah adalah akad sewa-menyewa agreement between the lessor (lease object)
antara pemilik (objek sewa) dan penyewa and lessee to get margin from leased object.
untuk mendapatkan imbalan atas objek
sewa yang disewakannya.
Pembiayaan syariah disajikan sebesar Sharia financing is presented in the amount
jumlah pembiayaan dikurangi dengan of financing minus the allowance for
cadangan kerugian penurunan nilai dengan impairment losses with a minimum amount
jumlah minimum berdasarkan Peraturan based on Financial Services Authority
Otoritas Jasa Keuangan (POJK) Regulation (POJK) No. 2/POJK.03/2022
No. 2/POJK.03/2022 tentang Penilaian regarding Asset Quality Ratings for Sharia
Kualitas Aset Bank Umum Syariah dan Bank and Sharia Business Unit and Financial
Unit Usaha Syariah dan POJK Services Authority Regulation
No. 11/POJK.03/2020 tanggal 13 Maret No. 11/POJK.03/2020 dated March 13, 2020
2020 tentang Stimulus Perekonomian concerning National Economic Stimulus as a
Nasional sebagai Kebijakan Counter Counter Cyclical Policy on the Impact of the
Cyclical Dampak Penyebaran Corona Virus Spread of Corona Virus Diseases 2019.
Diseases 2019.
Pembiayaan syariah dengan akad Sharia financing with murabahah contract is
murabahah disajikan sebesar jumlah presented at the financing amount less
pembiayaan dikurangi cadangan kerugian allowance for impairment losses in
penurunan nilai sesuai dengan PSAK accordance with SFAS No. 402 (Amendment
No. 402 (Amendemen 2019). 2019).
Ketika kredit yang diberikan tidak tertagih, For uncollected loans, the loans are written
kredit tersebut dihapus buku dengan off by reversing the journal of allowance for
menjurnal balik cadangan kerugian impairment losses. Such loans can be
penurunan nilai. Kredit yang diberikan written-off after all the necessary procedures
tersebut dapat dihapus buku setelah semua have been performed and the amount of the
prosedur yang diperlukan telah dilakukan loss has been determined.
dan jumlah kerugian telah ditentukan.
Kriteria debitur yang dapat dihapus bukukan Criteria of the debtor that can be written off
meliputi: include:
1. Fasilitas kredit telah mengalami 1. The credit facilities have been impaired;
penurunan nilai;
2. Fasilitas kredit telah dibentuk cadangan 2. The credit facility has been provided
kerugian penurunan nilai sebesar 100% with allowance for impairment losses
dari pokok kredit; amounting to 100% of the loan
principal;
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Page 644
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. Telah dilakukan berbagai upaya 3. Efforts for billing and recovery have
penagihan dan pemulihan, namun tidak been made, but to no avail;
berhasil;
4. Usaha debitur sudah tidak mempunyai 4. The debtor’s business has no
prospek atau kinerja debitur buruk atau prospects or has poor performance or
tidak ada kemampuan membayar; no ability to pay;
5. Hapus buku dilakukan terhadap semua 5. The write–off are perfomed for all loan
kewajiban kredit, termasuk dari fasilitas obligations, including those from non-
pinjaman non tunai sehingga cash loan facility so that the write-offs
penghapusan tidak dapat dilakukan cannot be done on some of its loan
pada beberapa kewajiban kreditnya obligations (partial write-off);
(penghapusan sebagian);
Apabila aset yang dijaminkan diambil alih, If the assets pledged as collateral are
maka Grup akan menjurnal balik cadangan foreclosed, the Group should reverse
kerugian penurunan nilai dan mengakui allowance for impairment losses and
agunan yang diambil alih yang diukur pada recognize foreclosed properties that are
nilai yang lebih rendah antara nilai tercatat measured at the lower of carrying amount
dan nilai wajar setelah dikurangi biaya untuk and fair value less costs to sell.
menjual.
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification
persyaratan kredit, konversi kredit menjadi of the terms of the loans, conversion of loans
saham atau instrumen keuangan lainnya into equity or other financial instruments
dan/atau kombinasi dari keduanya. and/or a combination of both.
Kredit yang direstrukturisasi disajikan Restructured loans are stated at the lower of
sebesar nilai yang lebih rendah antara nilai carrying value of the loan at the time of
tercatat kredit pada tanggal restrukturisasi restructuring or net present value of the total
atau nilai tunai penerimaan kas masa depan future cash receipts after restructuring.
setelah restrukturisasi. Kerugian akibat Losses arising from any excess of the
selisih antara nilai tercatat kredit pada carrying value of the loan at the time of
tanggal restrukturisasi dengan nilai tunai restructuring over the net present value of the
penerimaan kas masa depan setelah total future cash receipts after restructuring
restrukturisasi diakui sebagai laba/rugi. are recognised as profit/loss. Thereafter, all
Setelah restrukturisasi, semua penerimaan cash receipts under the new terms shall be
kas masa depan yang ditetapkan dalam accounted for as a return of principal and
persyaratan baru dicatat sebagai interest income, in accordance with the
pengembalian pokok kredit yang diberikan restructuring scheme.
dan pendapatan bunga sesuai dengan
syarat-syarat restrukturisasi.
l. Tagihan dan Liabilitas Akseptasi l. Acceptances Receivable and Payable
Tagihan akseptasi diklasifikasikan sebagai Acceptances receivable are classified as
aset keuangan pada biaya perolehan financial assets at amortized cost. Refer to
diamortisasi. Lihat Catatan 2f untuk Note 2f for the accounting policy on financial
kebijakan akuntansi atas instrumen instruments.
keuangan.
Liabilitas akseptasi diklasifikasikan sebagai Acceptances payable are classified as
liabilitas keuangan yang diukur dengan financial liabilities at amortized cost. Refer to
biaya perolehan diamortisasi. Lihat Catatan Note 2f for the accounting policy on financial
2f untuk kebijakan akuntansi atas instrumen instruments.
keuangan.
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Page 645
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
m. Efek yang Dibeli dengan Janji Jual m. Securities Purchased Under Agreements
Kembali dan Efek yang Dijual dengan to Resell and Securities Sold Under
Janji Beli Kembali Agreements to Repurchase
Efek yang Dibeli dengan Janji Jual Securities Purchased Under Agreements
Kembali (Reverse Repo) to Resell (Reverse Repo)
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale
(reverse repo) disajikan sebagai tagihan agreements (reverse repo) are presented as
sebesar harga jual kembali yang disepakati receivables at the agreed resale price net of
dikurangi dengan selisih antara harga beli the difference between the purchase price
dan harga jual kembali yang disepakati and agreed resale price (unearned interest
(pendapatan bunga yang ditangguhkan) income) and allowance for impairment
dan cadangan kerugian penurunan nilai. losses. The difference between the purchase
Selisih antara harga beli dan harga jual price and the agreed resale price are
kembali yang disepakati tersebut amortized using effective interest rate as
diamortisasi dengan menggunakan suku interest income over the period, commencing
bunga efektif sebagai pendapatan bunga from the acquisition date to the resale date.
selama jangka waktu sejak efek itu dibeli
hingga saat dijual kembali.
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale
diklasifikasikan sebagai aset keuangan agreements are classified in financial assets
yang diukur pada biaya perolehan measured at amortized cost category. Refer
diamortisasi. Lihat Catatan 2f untuk to Note 2f for accounting policy for financial
kebijakan akuntansi atas instrumen instruments.
keuangan.
Efek yang Dijual dengan Janji Beli Securities Sold Under Agreements to
Kembali (Repo) Repurchase (Repo)
Efek yang dijual dengan janji beli kembali Securities sold under agreements to
(repo) diakui sebagai liabilitas sebesar repurchase (repo) are recognized as liabilities
harga pembelian kembali yang disepakati at the repurchase price agreed with the
dengan nasabah dikurangi beban bunga customer less unamortized interest expense.
yang belum diamortisasi. Selisih antara The difference between the selling price and
harga jual dan harga beli kembali the repurchase price is treated as prepaid
diperlakukan sebagai bunga dibayar dimuka interest expense and recognized as interest
dan diakui sebagai beban bunga sesuai expense over the period from the sale of
dengan jangka waktu sejak efek dijual securities until it is repurchased. Securities
hingga dibeli kembali. Efek yang dijual tetap sold are recorded as assets in statements of
dicatat sebagai aset dalam laporan posisi financial position since the ownership of the
keuangan karena kepemilikan efek tetap securities remains with the Group as the
berada pada pihak Grup sebagai penjual. seller.
Efek yang dijual dengan janji dibeli kembali Securities sold under agreements to
diklasifikasikan sebagai liabilitas keuangan repurchase are classified in financial liabilities
yang diukur pada biaya perolehan measured at amortized cost category. Refer
diamortisasi. Lihat Catatan 2f untuk to Note 2f for accounting policy for financial
kebijakan akuntansi atas instrumen instruments.
keuangan.
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Page 646
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
n. Kontrak Jaminan Keuangan dan Tagihan n. Financial Guarantee Contracts and Other
Komitmen Lainnya Commitments
Kontrak jaminan keuangan adalah kontrak Financial guarantee contracts are contracts
yang mengharuskan penerbit untuk that require the issuer to make specified
melakukan pembayaran kepada pemegang payments to reimburse the holder for a loss
kontrak atas kerugian yang terjadi karena incurred because a specified debtor
debitur tertentu gagal untuk melakukan defaulted to make payments when due, in
pembayaran pada saat jatuh tempo, sesuai accordance with the terms of a debt
dengan ketentuan dari instrumen utang. instrument. Such financial guarantees are
Jaminan keuangan tersebut diberikan given to banks, financial institutions and other
kepada bank, lembaga keuangan dan institutions on behalf of customers to secure
badan-badan lainnya atas nama debitur loans, other banking facilities and undrawn
untuk menjamin kredit, fasilitas-fasilitas provision of loans.
perbankan lainnya dan penyediaan dana
yang belum ditarik.
Pengakuan awal jaminan keuangan dalam Financial guarantees are initially recognized
laporan keuangan adalah sebesar nilai in the financial statements at fair value on the
wajar pada saat jaminan diberikan. Nilai date the guarantee was given. The fair value
wajar jaminan keuangan pada saat of a financial guarantee at inception is likely
berlakunya transaksi pada umumnya sama to equal the premium received because all
dengan premi yang diterima karena guarantees are agreed on arm’s length terms
diberikan dengan syarat dan kondisi normal and the initial fair value is amortized over the
dan nilai wajar awal diamortisasi sepanjang life of the financial guarantees.
umur jaminan keuangan.
Setelah pengakuan awal kontrak, jaminan Subsequently, they are measured at the
keuangan dicatat pada nilai yang lebih tinggi higher of amortized amount and the present
antara biaya perolehan diamortisasi dengan value of any expected payment (when
nilai kini pembayaran yang diharapkan akan a payment under the guarantee has become
terjadi (ketika pembayaran atas jaminan probable) and the difference is charged to
menjadi besar kemungkinan terjadinya), other operating expense in the profit or loss.
dan selisihnya dibebankan sebagai beban
operasional lainnya dalam laba rugi.
Cadangan kerugian penurunan nilai atas Allowance for impairment losses on certain
komitmen berdasarkan dari model kerugian commitment are based on expected losses
ekspektasian (Catatan 2f). model (Note 2f).
o. Aset Tetap o. Property and Equipment
Aset tetap, kecuali tanah dan bangunan, Property and equipment, except for land and
dinyatakan berdasarkan biaya perolehan, buildings, are carried at cost, excluding day
tetapi tidak termasuk biaya perawatan to day servicing, less accumulated
sehari-hari, dikurangi akumulasi penyusutan depreciation and impairment, if any.
dan akumulasi rugi penurunan nilai, jika ada.
Tanah dinyatakan berdasarkan nilai Land is stated at the revalued amount less
revaluasian dikurangi akumulasi rugi accumulated impairment losses, if any.
penurunan nilai, jika ada.
Bangunan dinyatakan berdasarkan nilai Buildings are stated at the revalued amount
revaluasian dikurangi akumulasi less accumulated depreciation and
penyusutan dan akumulasi rugi penurunan accumulated impairment losses, if any.
nilai, jika ada.
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Page 647
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nilai revaluasian tanah dan bangunan Revaluation amount of land and buildings
ditentukan oleh penilai independen. Pada was determined by an independent
saat model revaluasi diterapkan, akumulasi appraiser. At the time of the application of
penyusutan bangunan pada tanggal revaluation model, accumulated depreciation
revaluasi dieliminasi terhadap biaya of buildings on the date of revaluation is
perolehan dan nilai tercatat neto setelah eliminated against the gross carrying amount
dieliminasi disajikan kembali sebesar jumlah of the asset and the net amount is restated to
revaluasian. Kenaikan nilai akibat revaluasi the revalued amount of the building.
dikreditkan ke akun “Surplus revaluasi aset Revaluation surplus is credited to the account
tetap” sebagai “Komponen ekuitas lainnya” "Revaluation surplus of property and
di bagian ekuitas pada laporan posisi equipment" which is included in "Other equity
keuangan dan laporan perubahan ekuitas. components" in the equity section of the
Penurunan nilai yang menghapuskan statement of financial position and statement
kenaikan nilai sebelumnya atas aset yang of changes in equity. Impairment that will
sama diakui dalam penghasilan reverse the previously recognize increament
komprehensif lain, sedangkan penurunan of the asset is recognized in other
nilai lainnya langsung dibebankan ke laba comprehensive income, while other
rugi. Surplus revaluasi aset tetap akan impairment is directly charged to profit or
dipindahkan dari “Komponen ekuitas loss. Revaluation surplus of property and
lainnya” ke “Saldo laba” pada saat aset equipment will be transferred from "Other
dihentikan penggunaannya. equity components" to "Retained earnings" at
the time the asset is derecognized.
Biaya perolehan awal aset tetap meliputi The initial cost of property and equipment
harga perolehan, termasuk bea impor consists of its purchase price, including
dan pajak pembelian yang tidak boleh non-refundable import duties and taxes and
dikreditkan dan biaya-biaya yang dapat any directly attributable costs in bringing the
diatribusikan secara langsung untuk property and equipment to its working
membawa aset ke lokasi dan kondisi condition and location for its intended use.
yang diinginkan sesuai dengan tujuan
penggunaan yang ditetapkan.
Revaluasi akan dilakukan dengan Revaluation will be perfomed regularly to
keteraturan yang cukup reguler untuk ensure that the carrying amount does not
memastikan bahwa jumlah tercatat tidak differ materially from the amount determined
berbeda secara material dengan jumlah using the fair value at the end of the reporting
yang ditentukan dengan menggunakan nilai period.
wajar pada akhir periode pelaporan.
Beban-beban yang timbul setelah aset tetap Expenditures incurred after the property and
digunakan, seperti beban perbaikan dan equipment have been put into operations,
pemeliharaan, dibebankan ke laba rugi pada such as repairs and maintenance costs, are
saat terjadinya. Apabila beban-beban normally charged to profit or loss in the year
tersebut menimbulkan peningkatan manfaat such costs are incurred. If these expenditures
ekonomis di masa datang dari penggunaan have resulted in an increase in the future
aset tetap tersebut yang dapat melebihi economic benefits expected to be obtained
kinerja normalnya, maka beban-beban from the use of the property and equipment
tersebut dikapitalisasi sebagai tambahan beyond its originally assessed standard of
biaya perolehan aset tetap. performance, the expenditures are
capitalized as additional costs of property
and equipment.
Penyusutan dihitung berdasarkan metode Depreciation is computed on a straight-line
garis lurus (straight-line method) selama basis over the property and equipment’s
masa manfaat aset tetap sebagai berikut: useful lives, as follows:
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Page 648
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun/Years %
Bangunan 20 5 Buildings
Inventaris kantor 10 10 Office equipment
Kendaraan bermotor 4 25 Vehicles
Nilai tercatat aset tetap ditelaah kembali dan The carrying values of property and
dilakukan penurunan nilai apabila terdapat equipment are reviewed for impairment when
peristiwa atau perubahan kondisi tertentu events or changes in circumstances indicate
yang mengindikasikan nilai tercatat tersebut that the carrying values may not be
tidak dapat dipulihkan sepenuhnya. recoverable.
Jumlah tercatat aset tetap dihentikan The carrying amount of property and
pengakuannya pada saat dilepaskan atau equipment is derecognized upon disposal or
tidak ada manfaat ekonomis masa depan when no future economic benefits are
yang diharapkan dari penggunaan atau expected from its use or disposal. Any gains
pelepasannya. Keuntungan atau kerugian or losses arising from derecognition of
yang timbul dari penghentian pengakuan property and equipment is included in profit
aset tetap diakui dalam laba rugi pada tahun or loss in the year the item is derecognized.
terjadinya penghentian pengakuan.
Nilai residu, umur manfaat, serta metode The asset’s residual values, useful life and
penyusutan ditelaah setiap akhir tahun dan depreciation method are reviewed and
dilakukan penyesuaian apabila hasil telaah adjusted, if appropriate, at each financial year
berbeda dengan estimasi sebelumnya. end.
p. Aset Ijarah p. Ijarah Assets
Aset ijarah, yakni kendaraan bermotor, Ijarah assets, such as motorcycle,
mesin, alat berat dan piranti lunak, machinery, heavy equipment and software,
disusutkan atau diamortisasi sesuai dengan are depreciated or amortized over the lease
jangka waktu sewa atau umur ekonomis term or the economic life of assets, whichever
aset, mana yang lebih pendek, dimana pada is shorter, where at the end of the contract
akhir masa akad, aset tersebut akan period, these assets are given to lessee.
dihibahkan ke penyewa.
Untuk akad ijarah muntahiyah bittamlik For the ijarah muntahiyah bittamlik contracts
(sewa pembiayaan), apabila pada saat (lease financing), if at the time of transfer of
perpindahan kepemilikan aset ijarah dari ownership of the asset from the owner to the
pemilik kepada penyewa dilakukan dengan lessee by grant, then the carrying amount is
cara hibah, maka jumlah tercatat aset ijarah recognized as an ijarah asset expense.
diakui sebagai beban.
Pendapatan sewa selama masa akad diakui Lease income during lease term is
pada saat manfaat atas aset telah recognized when the benefits of assets have
diserahkan kepada penyewa. been handed over to the lessee.
Pendapatan ijarah disajikan secara neto Ijarah income is presented net of related
setelah dikurangi beban yang terkait expenses such as, depreciation,
yakni beban penyusutan, pemeliharaan, maintenance and repairs expenses. Ijarah
dan perbaikan. Pendapatan ijarah neto net income is presented as part of " profit
disajikan sebagai bagian dari “pendapatan sharing income" in profit or loss.
bagi hasil” dalam laba rugi.
q. Agunan yang Diambil Alih q. Foreclosed Properties
Agunan kredit yang diberikan, berupa tanah Collaterals on loans in the form of land and
dan aset lainnya, yang telah diambil alih other assets foreclosed by the Group, are
oleh Grup disajikan dalam perkiraan “Aset presented under “Other Assets” account.
lain-lain”.
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Page 649
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Agunan yang diambil alih dicatat pada nilai Foreclosed properties are stated at the lower
yang lebih rendah antara nilai tercatat dan of carrying amount and fair value less costs
nilai wajar setelah dikurangi biaya untuk to sell. The difference between the value of
menjual. Selisih antara nilai agunan yang the foreclosed properties and the outstanding
diambil alih dengan sisa pokok pinjaman loan principal, if any, is charged to the current
yang diberikan, jika ada, dibebankan ke laba year profit or loss.
rugi tahun berjalan.
Selisih antara nilai agunan yang telah The difference between the carrying value of
diambil alih dan hasil penjualannya diakui the foreclosed property and the proceeds
sebagai keuntungan atau kerugian pada from its sale is recognized as a gain or loss in
saat penjualan agunan. the period the property was sold.
Biaya-biaya yang berkaitan dengan The costs of maintenance and renovation of
pemeliharaan dan perbaikan agunan yang foreclosed properties are charged to profit or
diambil alih dibebankan ke laba rugi pada loss when incurred.
saat terjadinya.
Bila terjadi penurunan nilai yang bersifat If the decline in value is judge to be
permanen, maka nilai tercatatnya dikurangi permanent, the carrying amount of the
untuk mengakui penurunan tersebut dan property is written-down to recognize loss,
kerugiannya dibebankan pada laba rugi and such loss is charged to the current year
tahun berjalan. profit or loss.
Manajemen melakukan evaluasi secara Management evaluates periodically the value
berkala atas nilai agunan yang diambil alih. of foreclosed assets. If there are permanent
Bila terjadi penurunan nilai yang bersifat impairment, the carrying amount is reduced
permanen, maka nilai tercatatnya dikurangi to recognize the decline and losses charged
untuk mengakui penurunan tersebut dan to the profit or loss for the year.
kerugiannya dibebankan pada laba rugi.
r. Transaksi Sewa r. Lease Transactions
Sebagai Pesewa As Lessor
Sewa Operasi Operating Lease
Sewa dimana Grup tetap mempertahankan Leases where the Group retains substantially
secara substansial seluruh risiko dan all the risks and benefits of ownership of the
manfaat yang terkait dengan kepemilikan asset are classified as operating leases.
suatu aset diklasifikasikan sebagai sewa Initial direct costs incurred in negotiating an
operasi. Biaya langsung awal yang dapat operating lease are added to the carrying
diatribusikan secara langsung dengan amount of the leased asset and recognized
negosiasi dan pengaturan sewa operasi over the lease term on the same basis as
ditambahkan ke nilai tercatat aset sewaan rental income.
dan diakui ke laba rugi tahun berjalan
selama masa sewa sesuai dengan dasar
pengakuan pendapatan sewa.
Sebagai Penyewa As Lessee
Grup menerapkan PSAK No. 116 yang The Group has applied SFAS No. 116, which
mensyaratkan pengakuan liabilitas sewa set the requirement for the recognition of
sehubungan dengan sewa yang lease liabilities in relation to leases which had
sebelumnya diklasifikasikan sebagai ‘sewa been previously classified as operating
operasi’. lease’.
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Page 650
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal permulaan kontrak, Grup At the inception of a contract, the Group
menilai apakah kontrak merupakan, atau assesses whether the contract is, or
mengandung, sewa. Suatu kontrak contains, a lease. A contract is or contains a
merupakan atau mengandung sewa jika lease if the contract conveys the right to
kontrak tersebut memberikan hak untuk control the use of an identified assets for a
mengendalikan penggunaan aset period of time in exchange for consideration.
identifikasian selama suatu jangka waktu
untuk dipertukarkan dengan imbalan.
Untuk menilai apakah kontrak memberikan To assess whether a contract conveys the
hak untuk mengendalikan penggunaan aset right to control the use of an identified asset,
identifikasian, Grup harus menilai apakah: the Group shall assess whether:
- Grup memiliki hak untuk mendapatkan - The Group has the right to obtain
secara substansial seluruh manfaat substantially all the economic benefits
ekonomi dari penggunaan aset from the use of the asset throughout the
identifikasian; dan period of use; and
- Grup memiliki hak untuk mengarahkan - The Group has the right to direct the use
penggunaan aset identifikasian. Grup of the asset. The Group has this right
memiliki hak ini ketika Grup memiliki when it has the decision-making rights
hak untuk pengambilan keputusan that are the most relevant to changing
yang relevan tentang bagaimana dan how and for what purpose the asset is
untuk tujuan apa aset digunakan telah used are predetermined:
ditentukan sebelumnya dan:
1. Grup memiliki hak untuk 1. The Group has the right to operate
mengoperasikan aset; the asset;
2. Grup telah mendesain aset 2. The Group has designed the asset in
dengan cara menetapkan a way that predetermined how and
sebelumnya bagaimana dan for what purpose it will be used.
untuk tujuan apa aset akan
digunakan selama periode
penggunaan.
Pada tanggal awal dimulainya kontrak atau At the inception or on reassessment of a
pada tanggal penilaian kembali atas kontrak contract that contains a lease component, the
yang mengandung sebuah komponen Group allocates the consideration in the
sewa, Grup mengalokasikan imbalan dalam contract to each lease component on the
kontrak ke masing-masing komponen sewa basis of their relative stand-alone prices and
berdasarkan harga tersendiri relatif dari the aggregate stand-alone price of the non-
komponen sewa dan harga tersendiri lease components.
agregat dari komponen nonsewa.
Pada tanggal permulaan sewa, Grup The Group recognizes a right-of-use asset
mengakui aset hak-guna dan liabilitas sewa and a lease liability at the lease
kecuali untuk sewa jangka pendek dan sewa commencement date except for short-term
yang aset pendasarnya bernilai rendah. lessees and lessees for low-value assets.
Aset hak-guna diukur pada biaya perolehan, The right-of-use assets are initially measured
dimana meliputi jumlah pengukuran awal at cost, which comprises the initial amount of
liabilitas sewa yang disesuaikan dengan the lease liability adjusted for any lease
pembayaran sewa yang dilakukan pada payment made at or before the
atau sebelum tanggal permulaan. commencement date.
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Page 651
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset hak-guna kemudian disusutkan The right-of-use assets are subsequently
menggunakan metode garis lurus dari depreciated using the straight-line method
tanggal permulaan hingga tanggal yang from the commencement date to the earlier
lebih awal antara akhir umur manfaat aset of the end of the useful life of the right-of-use
hak-guna atau akhir masa sewa. assets or the end of the lease term.
Liabilitas sewa diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa yang belum dibayar pada present value of the lease payments that are
tanggal permulaan, didiskontokan dengan not paid at the commencement date,
menggunakan suku bunga implisit dalam discounted using the interest rate implicit in
sewa atau jika suku bunga tersebut tidak the lease or, if the rate cannot be readily
dapat ditentukan, maka menggunakan suku determined, using incremental borrowing
bunga pinjaman inkremental. Pada rate. Generally, the Group uses its
umumnya, Grup menggunakan suku bunga incremental borrowing rate as the discount
pinjaman inkremental sebagai tingkat bunga rate.
diskonto.
Pembayaran sewa yang termasuk dalam Lease payments included in the
pengukuran liabilitas sewa meliputi measurement of the lease liability comprise
pembayaran berikut ini: the following:
- pembayaran tetap, termasuk - fixed payments, including in-substance
pembayaran tetap secara substansi; fixed payments;
- pembayaran sewa variabel yang - variable lease payments that depend on
bergantung pada indeks atau suku an index or a rate, initially measured
bunga yang pada awalnya diukur using the index or rate as at the
dengan menggunakan indeks atau commencement date;
suku bunga pada tanggal permulaan;
- jumlah yang diperkirakan akan - amounts expected to be payable under
dibayarkan oleh penyewa dengan a residual value guarantee;
jaminan nilai residual;
- harga eksekusi opsi beli jika Grup - the exercise price under a purchase
cukup pasti untuk mengeksekusi opsi option that the Group is reasonably
tersebut; dan certain to exercise; and
- penalti karena penghentian awal sewa - penalties for early termination of a lease
kecuali jika Grup cukup pasti untuk unless the Group is reasonably certain
tidak menghentikan lebih awal. not to terminate early.
Pembayaran sewa dialokasikan menjadi Each lease payment is allocated between the
bagian pokok dan biaya keuangan. Biaya liability and finance cost. The finance cost is
keuangan dibebankan pada laba rugi charged to profit or loss over the lease period
selama periode sewa sehingga so as to produce a constant periodic rate of
menghasilkan tingkat suku bunga periodik interest on the remaining balance of the
yang konstan atas saldo liabilitas untuk liability for each period.
setiap periode.
Jika sewa mengalihkan kepemilikan aset If the lease transfers ownership of the
pendasar kepada Grup pada akhir masa underlying asset to the Group by the end of
sewa atau jika biaya perolehan aset hak- the lease term or if the cost of the right-of-use
guna merefleksikan Grup akan assets reflects that the Group will exercise a
mengeksekusi opsi beli, maka Grup purchase option, the Group depreciates the
menyusutkan aset hak-guna dari tanggal right-of-use assets from the commencement
permulaan hingga akhir umur manfaat aset date to the end of the useful life of the
pendasar. Jika tidak, maka Grup underlying asset. Otherwise, the Group
menyusutkan asset hak-guna dari tanggal depreciates the right-of-use assets from the
permulaan hingga tanggal yang lebih awal commencement date to the earlier of the end
antara akhir umur manfaat aset hak-guna of the useful life of the right-of-use assets or
atau akhir masa sewa. the end of the lease term.
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Page 652
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
s. Biaya Dibayar Dimuka s. Prepaid Expenses
Biaya dibayar dimuka diamortisasi selama Prepaid expenses are amortized over their
masa manfaat masing-masing biaya dengan beneficial periods using the straight-line
menggunakan metode garis lurus. method.
t. Penurunan Nilai Aset Non-Keuangan t. Impairment of Non-Financial Assets
Pada setiap akhir periode pelaporan The Group assesses at each reporting period
tahunan, Grup menelaah apakah terdapat whether there is an indication that an asset
indikasi suatu aset mengalami penurunan may be impaired. If any such indication
nilai. Jika terdapat indikasi tersebut atau exists, or when impairment testing for an
pada saat uji periode penurunan nilai aset asset is required, the Group makes an
perlu dilakukan, maka Grup membuat estimate of the asset’s recoverable amount.
estimasi jumlah terpulihkan aset tersebut.
Jika nilai tercatat aset lebih besar daripada Where the carrying amount of an asset
nilai terpulihkannya, maka aset tersebut exceeds its recoverable amount, the asset is
dinyatakan mengalami penurunan nilai dan considered impaired and impairment losses
rugi penurunan nilai diakui dalam laba rugi. are recognized in profit or loss. In assessing
Dalam menghitung nilai pakai, estimasi arus the value in use, the estimated net future
kas masa depan bersih didiskontokan ke cash flows are discounted to their present
nilai kini dengan menggunakan tingkat value using a pre-tax discount rate that
diskonto sebelum pajak yang reflects current market assessments of the
mencerminkan penilaian pasar kini dari nilai time value of money and the risks specific to
waktu uang dan risiko spesifik atas aset. the asset.
Penelaahan dilakukan pada akhir setiap An assessment is made at each annual
tanggal pelaporan tahunan untuk reporting date as to whether there is any
mengetahui apakah terdapat indikasi bahwa indication that previously recognized
rugi penurunan nilai aset yang telah diakui impairment losses recognized for an asset
dalam periode sebelumnya mungkin tidak may no longer exist or may have decreased.
ada lagi atau mungkin telah menurun. Jika If such indication exists, the recoverable
indikasi dimaksud ditemukan, maka amount is estimated. A previously recognized
Perusahaan mengestimasi jumlah impairment loss for an asset is reversed only
terpulihkan aset tersebut. Kerugian if there has been a change in the
penurunan nilai yang telah diakui dalam assumptions used to determine the assets
periode sebelumnya akan dipulihkan hanya recover both amount since the last
jika terdapat perubahan asumsi-asumsi impairment loss was recognized. If that is the
yang digunakan untuk menentukan jumlah case, the carrying amount of the assets is
terpulihkan aset tersebut sejak rugi increase to its recoverable amount. The
penurunan nilai diakui. Dalam hal ini, jumlah reversal is limited so that the carrying amount
tercatat aset dinaikkan ke jumlah of the assets does not exceed its recoverable
terpulihkannya. Pembalikan aset tersebut amount nor exceed the carrying amount that
dibatasi sehingga jumlah tercatat aset tidak would have been determined, net of
melebihi jumlah terpulihkannya maupun depreciation, had no impairment loss been
nilai tercatat, neto setelah penyusutan, recognized for the asset in prior periods. After
seandainya tidak ada rugi penurunan nilai such a reversal, the depreciation charge on
yang telah diakui untuk aset tersebut pada the said asset is adjusted in future years to
tahun-tahun sebelumnya. Setelah allocate the asset’s revised carrying amount,
pemulihan tersebut, penyusutan aset less any residual value, on a systematic basis
tersebut disesuaikan di periode mendatang over its remaining useful life.
untuk mengalokasikan nilai tercatat aset
yang direvisi, dikurangi nilai sisanya,
dengan dasar yang sistematis selama sisa
umur manfaatnya.
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Page 653
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
u. Liabilitas Segera u. Liability Immediately Payable
Liabilitas segera adalah liabilitas Grup Obligation due immediately represents the
kepada pihak lain yang sifatnya wajib Group’s liabilities to other parties that
segera dibayarkan sesuai perjanjian yang immediately payable in accordance with
ditetapkan sebelumnya. terms of the relevant agreements.
Liabilitas segera disajikan sebesar biaya Obligations due immediately are stated at the
perolehan yang diamortisasi (Catatan 2f). amortized cost (Note 2f).
v. Simpanan dan Simpanan dari Bank Lain v. Deposits and Deposits from Other Banks
Simpanan dan simpanan dari bank lain Deposits and deposits from other banks are
diklasifikasikan sebagai liabilitas keuangan classified as financial liabilities measured at
yang diukur pada biaya perolehan amortized cost using the effective interest
diamortisasi menggunakan metode suku method (Note 2f).
bunga efektif (Catatan 2f).
Simpanan merupakan liabilitas kepada Deposits are liabilities to customers in the
nasabah dalam bentuk giro, tabungan dan form of demand deposits, savings deposits
deposito berjangka. and time deposits.
Giro merupakan simpanan nasabah yang Demand deposits represent deposits of
dapat digunakan sebagai alat pembayaran, customers which may be used as
yang penarikannya dapat dilakukan setiap instruments of payment, and which may be
saat melalui cek atau dengan cara withdrawn at any time by checks, or other
pemindahbukuan dengan bilyet giro atau orders of payment or transfers.
sarana perintah pembayaran lainnya.
Tabungan merupakan simpanan nasabah Savings deposits represent deposits of
yang penarikannya hanya dapat dilakukan customers which may only be withdrawn
sesuai dengan syarat tertentu yang when certain agreed conditions at the
disepakati pada saat pembukaan account opening are met. They may not be
rekening tabungan. Penarikan atas withdrawn by checks or other equivalent
tabungan tidak dapat dilakukan dengan instruments, except by using specific
menggunakan cek atau instrumen sejenis, withdrawal slip which can only be validated at
tetapi menggunakan formulir penarikan the depository bank and/or by using
tersendiri yang hanya berlaku di bank yang Automatic Teller Machine (ATM) card.
bersangkutan dan/atau menggunakan kartu
Anjungan Tunai Mandiri (ATM).
Deposito berjangka merupakan simpanan Time deposits represent deposits of
nasabah yang penarikannya hanya customers which may only be withdrawn after
dapat dilakukan pada saat jatuh tempo a certain period of time in accordance with
sesuai dengan jangka waktu yang the agreement with the customers at the time
disepakati dengan nasabah pada saat of placement, or the customers will be fined
penempatannya, dimana nasabah akan or penalized if withdrawals are made before
dikenakan penalti apabila melakukan maturity.
penarikan sebelum tanggal jatuh temponya.
Simpanan termasuk simpanan syariah dan Deposits include sharia deposits and
investasi tidak terikat yang terdiri dari giro unrestricted investments consisting of
dan tabungan Wadiah yang merupakan Wadiah giro and saving is entrusted funds in
titipan dana dalam bentuk giro dan tabungan the form of savings where income fund
dimana pemilik dana mendapatkan owners get a bonus.
pendapatan bonus.
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Page 654
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Simpanan dari bank lain merupakan Deposits from other banks are liabilities to
liabilitas kepada bank lain dalam bentuk other banks in the form of demand deposits,
giro, call money kurang dari atau 90 hari, call money less than or 90 days and time
dan deposito berjangka dengan periode deposits with original maturities of each
jatuh tempo menurut perjanjian masing- agreement.
masing.
w. Obligasi Subordinasi w. Subordinated Bond
Obligasi subordinasi (‘obligasi’) Subordinated bond (bond) is classified as
diklasifikasikan sebagai liabilitas keuangan financial liability measured at amortized cost
lainnya yang diukur dengan biaya perolehan (Note 2f). Transaction cost in relation with the
diamortisasi (Catatan 2f). Biaya transaksi issuance of bond is deducted from the related
yang timbul sehubungan dengan penerbitan bond issued. Any difference between bond
obligasi dikurangkan dari hasil penerbitan issuance costs and nominal of bond is
obligasi bersangkutan. Selisih antara hasil recognized as discount and will be amortized
emisi bersih dengan nilai nominal obligasi based on bond’s period.
diakui sebagai diskonto yang diamortisasi
selama umur obligasi.
x. Dana Syirkah Temporer x. Temporary Syirkah Funds
Dana syirkah temporer terdiri dari giro dan Temporary syirkah funds consist of
tabungan Mudharabah, deposito berjangka Mudharabah demand and savings deposits,
Mudharabah dan Sertifikat Investasi Mudharabah time deposits and Mudharabah
Mudharabah antar Bank. Interbank Investment Certificates.
Giro dan tabungan Mudharabah dinyatakan Mudharabah demand and savings deposits
sebesar nilai investasi pemegang tabungan are stated at the amount deposited by the
di Grup. depositors in the Group.
Deposito berjangka Mudharabah Mudharabah time deposits are stated at the
dinyatakan sebesar nilai nominal sesuai nominal amount set forth in the agreements
dengan perjanjian antara pemegang between the holders of time deposit and the
deposito berjangka dengan Grup. Group.
Dana syirkah temporer tidak dapat Temporary syirkah fund cannot be classified
digolongkan sebagai liabilitas. Hal ini karena as liability. This was due to the Group does
Grup tidak berkewajiban untuk not have any liability to return the initial fund
mengembalikan jumlah dana awal dari to the owners, except for losses incurred due
pemilik dana, kecuali kerugian yang timbul to the Group’s management negligence or
akibat kelalaian atau wanprestasi dari default of loss is incurred. On the other hand,
manajemen Grup. Di sisi lain, dana syirkah temporary syirkah fund cannot be classified
temporer tidak dapat digolongkan sebagai as shareholder’s equity, because it has
ekuitas karena mempunyai waktu jatuh maturity period and the depositors do not
tempo dan pemilik dana tidak mempunyai have the same rights as the shareholder’s
hak kepemilikan yang sama dengan such as voting rights and the rights of realised
pemegang saham seperti hak voting dan profit from current assets and other non-
hak atas realisasi keuntungan yang berasal investment accounts.
dari aset lancar dan aset non-investasi
(current and other non-investment
accounts).
Pemilik dana syirkah temporer memperoleh The owners of temporary syirkah funds earn
bagian atas keuntungan sesuai profit in accordance with the agreement and
kesepakatan dan menerima kerugian receive loss based on the amount of funds
berdasarkan jumlah dana dari masing- from each party. The return of temporary
masing pihak. Pembagian hasil dana syirkah funds is based on revenue sharing
syirkah temporer berdasarkan konsep bagi concept.
hasil.
- 43 -
Page 655
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
y. Biaya Emisi Saham y. Share Issuance Costs
Biaya emisi saham dikurangkan dari bagian Share issuance costs are deducted from the
tambahan modal disetor yang timbul dari additional paid-in capital resulting from the
penerbitan saham dan tidak diamortisasi. issuance of shares and are not amortized.
z. Pengakuan Pendapatan Bunga, Beban z. Recognition of Interest Revenues, Interest
Bunga, Pendapatan dan Beban Bagi Expense, Sharia Revenues and Expenses
Hasil Syariah Sharing Distribution
Pendapatan dan Beban Bunga Interest Revenues and Expenses
Pendapatan dan beban bunga untuk semua Interest income and expense for all financial
instrumen keuangan diakui di dalam laba instruments are recognized in profit or loss on
rugi secara akrual dengan menggunakan accrual basis using the effective interest rate
metode suku bunga efektif. method.
Pendapatan dan Beban Syariah Sharia Income and Expenses
Pendapatan syariah terdiri dari keuntungan Sharia revenue consists of income from
murabahah, pendapatan ijarah muntahiyah murabahah, income from muntahiyah
bittamlik (sewa), dan bagi hasil pembiayaan bittamlik ijarah (lease), and profit sharing of
mudharabah dan musyarakah. mudharabah and musyarakah financing.
Keuntungan murabahah dan pendapatan Income from murabahah and revenue from
ijarah muntahiyah bittamlik diakui selama ijarah muntahiyah bittamlik are recognized
periode akad berdasarkan konsep akrual. over the contract period on an accrual basis.
Pendapatan bagi hasil pembiayaan Revenues from the profit sharing of
mudharabah diakui pada saat diterima atau mudharabah financing are recognized when
dalam periode terjadinya hak bagi hasil received or within the period of entitlement
sesuai porsi bagi hasil (nisbah) yang based on profit sharing agreement.
disepakati.
Beban berdasarkan prinsip syariah terdiri Expenses based on sharia consists of profit-
dari beban bagi hasil mudharabah, beban sharing expense of mudharabah, wadiah
bonus wadiah dan beban bagi hasil bonus expense and profit-sharing expense of
Sertifikat Investasi Mudharabah Antar Bank Certificate of Sharia Interbank Mudharabah
Syariah. Investment.
aa. Pengakuan Pendapatan dan Beban aa. Recognition of Revenues and Expenses
Provisi dan Komisi on Commissions and Fees
Provisi dan Komisi Terkait Instrumen Fees and Commissions Related to Financial
Keuangan Instruments
Pendapatan dan beban provisi dan komisi Commission income and expense and fees
yang terkait dengan perolehan instrumen associated with the acquisition of financial
keuangan yang terkait jangka waktu tertentu instruments with maturity term and that the
yang jumlahnya signifikan, dicatat sebagai amount is significant, are recorded as part of
bagian dari nilai wajar aset atau liabilitas the fair value of financial assets or financial
keuangan dan diamortisasi sesuai dengan liabilities and amortized over the time period
jangka waktunya dengan menggunakan using the effective interest rate.
suku bunga efektif.
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Page 656
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Provisi dan Komisi Lainnya Other Fees and Commission
Provisi dan komisi lainnya yang tidak terkait Other Fees and commissions that are not
dengan kegiatan perolehan instrumen related to the acquisition or issuance of
keuangan dan jangka waktu tertentu yang financial instrument and have maturity terms
jumlahnya signifikan, dan diamortisasi in which amounts are significant, are deferred
menggunakan metode garis lurus sesuai and amortized using the straight-line method
dengan jangka waktu transaksi yang over the term of the relevant transaction.
bersangkutan. Sedangkan, pendapatan dan Meanwhile, provision fees income and
beban provisi dan komisi lainnya yang tidak expenses and commissions that are not
signifikan langsung diakui sebagai significant are recognized immediately as
pendapatan atau beban pada saat income or expenses on the transaction date.
terjadinya transaksi.
Pendapatan provisi dan komisi lainnya, Revenues from commission and other fees
meliputi pendapatan yang tidak terkait not related to credit, such as bancassurance
dengan kredit, seperti jasa bancassurance, services, and revenues associated with
pendapatan terkait dengan ekspor impor import and export bank guarantee, are
dan bank garansi, dan pendapatan yang recognized as revenue when the services are
diakui pada saat jasa diberikan. rendered.
bb. Pendapatan dan Beban Operasional bb. Other Operating Revenue and Expenses
Lainnya
Pendapatan operasional lainnya diakui Other operating revenues are recognized
pada saat terjadinya. when earned.
Beban operasional lainnya diakui pada saat Other operating expenses are recognized
terjadinya dengan menggunakan metode when incurred using the accrual method.
akrual.
cc. Pajak Penghasilan cc. Income Tax
Pajak Kini Current Tax
Pajak kini ditentukan berdasarkan laba kena Current tax expense is determined based on
pajak dalam tahun yang bersangkutan yang the taxable income for the year computed
dihitung berdasarkan tarif pajak yang using prevailing tax rates.
berlaku.
Pajak Tangguhan Deferred Tax
Pajak tangguhan diakui dengan Deferred tax is provided using the liability
menggunakan metode liabilitas untuk method on temporary differences between
perbedaan temporer kena pajak yang timbul the tax bases of assets and liabilities and
dari perbedaan antara dasar pengenaan their carrying amounts for financial reporting
pajak aset dan liabilitas dengan jumlah purposes at the reporting date.
tercatatnya pada tanggal pelaporan.
Aset pajak tangguhan diakui untuk seluruh Deferred tax assets are recognized for all
perbedaan temporer yang dapat deductible temporary differences and the
dikurangkan dan rugi fiskal yang dapat carry forward tax benefit of any unused tax
dikompensasikan. Aset pajak tangguhan losses. Deferred tax assets are recognized
diakui dan direview pada setiap tanggal and reviewed at each reporting date and
pelaporan atau diturunkan jumlah reduced to the extent that it is probable that
tercatatnya, sepanjang kemungkinan besar taxable profit will be available against which
laba kena pajak tersedia untuk pemanfaatan the deductible temporary differences and the
perbedaan temporer yang dapat carry forward benefit of unused tax losses
dikurangkan dan rugi fiskal yang dapat can be utilized.
dikompensasikan.
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Page 657
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are
dengan menggunakan tarif pajak yang measured at the tax rates that are expected
diharapkan berlaku ketika aset dipulihkan to apply in the year when the asset is realized
atau liabilitas diselesaikan, berdasarkan tarif or the liability is settled, based on tax rates
pajak (atau peraturan pajak) yang telah (or tax laws) that have been enacted or
berlaku atau secara substantif telah berlaku substantively enacted at the reporting date.
pada tanggal pelaporan.
Aset pajak tangguhan dan liabilitas pajak Deferred tax assets and deferred tax liabilities
tangguhan saling hapus jika dan hanya jika, are offset if and only if, a legally enforceable
terdapat hak yang dipaksakan secara right exists to set off current tax assets
hukum untuk melakukan saling hapus aset against current tax liabilities and the deferred
pajak kini terhadap liabilitas pajak kini dan taxes relate to the same taxable entity and
pajak tangguhan tersebut terkait dengan the same taxation authority.
entitas kena pajak yang sama dan
dikenakan oleh otoritas perpajakan yang
sama.
dd. Laba per Saham dd. Earnings per Share
Laba per saham dasar dihitung berdasarkan Basic earning per share is computed by
laba bersih dibagi jumlah dividing net profit with the weighted average
rata-rata tertimbang saham yang beredar number of outstanding common shares
pada tahun yang bersangkutan. during the year.
ee. Imbalan Kerja ee. Employee Benefits
Liabilitas imbalan kerja jangka pendek Short-term employee benefits liability
Imbalan kerja jangka pendek diakui sebesar Short-term employee benefits are recognized
jumlah yang tak-terdiskonto sebagai at its undiscounted amount as a liability after
liabilitas pada laporan posisi keuangan deducting any amount already paid in the
setelah dikurangi dengan jumlah yang telah statement of financial position and as an
dibayar dan sebagai beban dalam laba rugi. expense in profit or loss.
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
Manfaat yang ditentukan Defined benefits
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
merupakan manfaat pasti yang dibentuk represents post-employment benefits,
dengan pendanaan khusus melalui program funded defined-benefit plans through a
dana pensiun dan didasarkan pada masa certain pension fund which amounts are
kerja dan jumlah penghasilan karyawan determined based on years of service and
pada saat pensiun yang dihitung salaries of the employees at the time of
menggunakan metode Projected Unit pension and calculated using the Projected
Credit. Pengukuran kembali liabilitas Unit Credit. Remeasurement is reflected
imbalan pasti langsung diakui dalam laporan immediately in the statement of financial
posisi keuangan dan penghasilan position with a charge or credit recognized in
komprehensif lain pada periode terjadinya other comprehensive income in the period in
dan tidak akan direklasifikasi ke laba rugi, which they occur and not to be reclassified to
namun menjadi bagian dari saldo laba. profit or loss but reflected immediately in
Biaya liabilitas imbalan pasti lainnya terkait retained earnings. All other costs related to
dengan program imbalan pasti diakui dalam the defined-benefit plan are recognized in
laba rugi. profit or loss.
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Page 658
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Kontribusi yang ditentukan Defined contributions
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
merupakan imbalan pasca-kerja iuran pasti represents post-employment benefits,
melalui dana pensiun dan didasarkan pada defined-contribution plans through a certain
masa kerja dan jumlah penghasilan pension fund which amounts are determined
karyawan saat pensiun. Jumlah iuran yang based on years of service and salaries of the
terutang diakui sebagai liabilitas pada employees at the time of pension. The
laporan posisi keuangan konsolidasian contribution payable is accrued as a liability
setelah dikurangi dengan jumlah yang telah after deducting any amount already paid in
dibayar dan sebagai beban dalam laba rugi. the consolidated statement of financial
position and an expense in profit or loss.
Jika ada bagian iuran yang jatuh tempo If a part of the contributions due in a period in
dalam waktu lebih dari 12 bulan setelah excess of twelve (12) months from the
tanggal laporan posisi keuangan, maka statement of financial position date, the
iuran tersebut disajikan sebesar nilai kini contributions are presented at its discounted
liabilitas yang didiskontokan. amount.
Manfaat iuran pasti ditentukan berdasarkan Defined-contribution plans benefits are
akumulasi iuran dan hasil pengembangan determined based on accumulated
investasi. contributions and returns on investments.
ff. Segmen Operasi ff. Operating Segment
Informasi segmen disusun sesuai dengan Segment information is prepared using the
kebijakan akuntansi yang dianut dalam accounting policies adopted for preparing
penyusunan dan penyajian laporan and presenting the financial statements.
keuangan.
Segmen operasi diidentifikasi berdasarkan Operating segments are identified based on
laporan internal komponen-komponen Grup the basis of internal reports about
yang secara berkala dilaporkan kepada components of the Group that are regularly
pengambil keputusan operasional dalam reported to the chief operating decision
rangka alokasi sumber daya ke dalam maker in the context of allocation of
segmen dan penilaian kinerja Perusahaan. resources to the segments and assessment
of its performance.
gg. Provisi gg. Provisions
Provisi diakui jika Grup mempunyai a.
Provisions are recognized when the Group
kewajiban kini (hukum maupun konstruktif) has present obligation (legal or constructive)
sebagai akibat peristiwa masa lalu, yang as a result of a past event, it is probable that
memungkinkan Grup harus menyelesaikan the Group will be required to settle the
kewajiban tersebut dan estimasi yang andal obligation, and a reliable estimate can be
mengenai jumlah kewajiban tersebut dapat made of the amount of the obligation.
dibuat.
Jumlah yang diakui sebagai provisi adalah The amount recognized as a provision is the
hasil estimasi terbaik pengeluaran yang best estimate of the consideration required to
diperlukan untuk menyelesaikan kewajiban settle the obligation at the reporting date,
kini pada tanggal pelaporan, dengan taking into account the risks and
mempertimbangkan risiko dan uncertainties surrounding the obligation.
ketidakpastian terkait kewajiban tersebut.
- 47 -
Page 659
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
hh. Peristiwa Setelah Periode Pelaporan hh. Events After the Reporting Period
Peristiwa-peristiwa yang terjadi setelah Past year-end events that provide additional
periode pelaporan yang menyediakan information regarding the Group's financial
tambahan informasi mengenai posisi position at the reporting date (adjusting
keuangan Grup pada tanggal laporan posisi events), if any, are reflected in the
keuangan (peristiwa penyesuai), jika ada, consolidated financial statements. Past year-
telah tercermin dalam laporan keuangan end events that are not adjusting (non-
konsolidasian. Peristiwa-peristiwa yang adjusting events), when material, are
terjadi setelah periode pelaporan yang tidak disclosed in the consolidated financial
memerlukan penyesuaian (peristiwa non- statements.
penyesuai), apabila jumlahnya material,
telah diungkapkan dalam laporan keuangan
konsolidasian.
3. Penggunaan Estimasi, Pertimbangan dan 3. Management Use of Estimates, Judgments
Asumsi Manajemen and Assumptions
Dalam penerapan kebijakan akuntansi Grup, In applying of the Group’s accounting policies,
seperti yang diungkapkan dalam Catatan 2 pada which are described in Note 2 to the consolidated
laporan keuangan konsolidasian, manajemen financial statements, management is required to
harus membuat estimasi, pertimbangan, dan make estimates, judgments, and assumptions
asumsi atas nilai tercatat aset dan liabilitas yang about the carrying amounts of assets and
tidak tersedia oleh sumber-sumber lain. Estimasi liabilities that are not readily available from other
dan asumsi tersebut, berdasarkan pengalaman sources. The estimates and assumptions are
historis dan faktor lain yang dipertimbangkan based on historical experience and other factors
relevan. that are considered to be relevant.
Manajemen berkeyakinan bahwa pengungkapan Management believes that the following represent
berikut telah mencakup ikhtisar estimasi, a summary of the significant estimates, judgments
pertimbangan dan asumsi signifikan yang dibuat and assumptions made that affected certain
oleh manajemen, yang berdampak terhadap reported amounts of and disclosures in the
jumlah-jumlah yang dilaporkan serta consolidated financial statements.
pengungkapan dalam laporan keuangan
konsolidasian.
Pertimbangan Judgments
Pertimbangan-pertimbangan berikut dibuat oleh The following judgments are made by
manajemen dalam proses penerapan kebijakan management in the process of applying the
akuntansi Grup yang memiliki dampak yang Group’s accounting policies that have the most
paling signifikan terhadap jumlah-jumlah yang significant effects on the amounts recognized in
diakui dalam laporan keuangan konsolidasian: the consolidated financial statements:
a. Mata Uang Fungsional a. Functional Currency
Mata uang fungsional Grup adalah mata The functional currency of the Group is the
uang lingkungan ekonomi utama dimana currency of the economic environment in
masing-masing entitas beroperasi. Mata which it operates. It is the currency, among
uang tersebut adalah yang paling others, that mainly influences sales prices for
mempengaruhi harga jual barang dan jasa, goods and services, and the country whose
dan mata uang dari negara yang kekuatan competitive forces and regulations mainly
persaingan dan peraturannya sebagian determine the sales price of its good and
besar menentukan harga jual barang dan services, and the currency in which fund from
jasa entitas, dan merupakan mata uang financing acitivities are generated.
yang mana dana dari aktivitas pendanaan
dihasilkan.
- 48 -
Page 660
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Klasifikasi Aset Keuangan dan Liabilitas b. Classification of Financial Assets and
Keuangan Financial Liabilities
Grup menentukan klasifikasi aset dan The Group determines the classifications of
liabilitas tertentu sebagai aset keuangan certain assets and liabilities as financial
dan liabilitas keuangan dengan menilai assets and liabilities by judging if they meet
apakah aset dan liabilitas tersebut the definition set forth in SFAS No. 109.
memenuhi definisi yang ditetapkan dalam Accordingly, the financial assets and
PSAK No. 109. Aset keuangan dan liabilitas liabilities are accounted for in accordance
keuangan dicatat sesuai dengan kebijakan with the Group’s accounting policies as
akuntansi Grup sebagaimana diungkapkan disclosed in Note 2.
dalam Catatan 2.
c. Cadangan Kerugian Penurunan Nilai Aset c. Allowance for Impairment of Financial Assets
Keuangan
Pada setiap tanggal pelaporan, Grup At each reporting date, the Group shall
menilai apakah risiko kredit atas instrumen assess whether the credit risk of a financial
keuangan telah meningkat secara signifikan instrument has increased significantly since
sejak pengakuan awal. Ketika melakukan initial recognition. When making the
penilaian tersebut, Grup assessment, the Group shall use the change
mempertimbangkan perubahan risiko gagal in the risk of default over the expected life of
bayar yang terjadi selama umur instrumen the financial instrument. To make that
keuangan. Dalam melakukan penilaian assessment, the Group shall compare the
tersebut, Grup membandingkan risiko gagal risk of default occurring on the financial
bayar yang terjadi pada tanggal pelaporan instrument as at the reporting date with the
dengan risiko gagal bayar pada saat risk of default occurring on the financial
pengakuan awal, serta mempertimbangkan instrument as at the date of initial recognition
informasi, termasuk informasi masa lalu, and consider reasonable and supportable
kondisi saat ini, dan informasi bersifat information, including past data, current
perkiraan masa depan (forward-looking), condition and forward-looking information
yang wajar dan terdukung yang tersedia that is available without undue cost or effort.
tanpa biaya atau upaya berlebihan.
Grup mengukur cadangan kerugian The Group shall measure the loss allowance
sepanjang umurnya, jika risiko kredit atas for a financial instrument at an amount equal
instrumen keuangan tersebut telah to the lifetime expected credit losses if the
meningkat secara signifikan sejak credit risk on that financial instrument has
pengakuan awal, jika tidak, maka Grup increased significantly since initial
mengukur cadangan kerugian untuk recognition, otherwise, the Group shall
instrumen keuangan tersebut sejumlah measure the loss allowance for that financial
kerugian kredit ekspektasian 12 bulan. instrument at an amount equal to 12-month
Suatu evaluasi yang bertujuan untuk expected credit losses. Evaluation of financial
mengidentifikasi jumlah cadangan kerugian assets to determine the allowance for
ekspektasian yang harus dibentuk, expected loss to be provided is performed
dilakukan secara berkala pada setiap periodically in each reporting period.
periode pelaporan. Oleh karena itu, saat Therefore, the timing and amount of
dan besaran jumlah cadangan kerugian allowance for expected credit loss recorded
ekspektasian yang tercatat pada setiap at each period might differ based on the
periode dapat berbeda tergantung pada judgments and estimates that are available or
pertimbangan atas informasi yang tersedia valid at each period.
atau berlaku pada saat itu.
- 49 -
Page 661
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nilai tercatat aset keuangan Grup (tidak The carrying values of the Group’s financial
termasuk akun syariah) pada tanggal 31 assets (excluding sharia accounts) as of
Desember 2024 dan 2023 adalah sebagai December 31, 2024 and 2023 are as follows:
berikut:
2024 2023
Diukur pada nilai wajar melalui penghasilan Measured at fair value through other
komprehensif lain comprehensive income
Efek-efek - bersih Securities - net
Obligasi korporasi 4.863.121 5.673.001 Corporate bonds
Diukur pada biaya perolehan diamortisasi Measured at amortized cost
Kas 469.088 375.753 Cash
Giro pada bank Indonesia 4.694.101 6.022.812 Demand deposits with bank Indonesia
Giro pada bank lain - bersih 1.899.534 2.655.935 Demand deposits with other banks - net
Penempatan pada bank lain dan Placement with other bank and
bank Indonesia - bersih 8.281.976 6.263.377 bank Indonesia - net
Efek-efek - bersih 1.687.678 1.193.364 Securties - net
Efek yang dibeli dengan janji dijual Securities purchased under agreements
kembali - bersih 192.215 - to resell - net
Kredit yang diberikan - bersih 10.407.686 10.954.956 Loans - net
Tagihan akseptasi - bersih 38.129 78.304 Acceptances receivables - net
Pendapatan yang masih akan diterima 272.974 300.579 Accrued income
Aset lain-lain - bersih 123.626 141.121 Other assets - net
Jumlah 32.930.128 33.659.202 Total
d. Transaksi Sewa d. Lease Transactions
Grup sebagai penyewa Group as lessee
Grup telah menandatangani sejumlah The Group has entered into various lease
perjanjian sewa ruangan, kendaraan, dan agreements for commercial spaces, vehicles
sewa mesin ATM. Grup menentukan bahwa and ATM machines. The Group has
sewa ruangan dan kendaraan memenuhi determined that commercial spaces, and
kriteria pengakuan dan pengukuran aset vehicles leases meet the criteria for
hak-guna dan liabilitas sewa sesuai dengan recognition and measurement of right-of-use
PSAK No. 116, Sewa. assets and lease liabilities in accordance with
SFAS No. 116, Leases.
Grup sebagai pesewa Group as lessor
Grup telah menandatangani sejumlah The Group has entered into lease of
perjanjian sewa ruangan. Grup menentukan commercial space agreements. The Group
bahwa sewa tersebut adalah sewa operasi has determined that those are operating
karena Grup menanggung secara signifikan leases since the Group bears substantially all
seluruh risiko dan manfaat dari kepemilikan the significant risks and rewards of ownership
aset-aset tersebut. of the related assets.
e. Pajak Penghasilan e. Income Taxes
Pertimbangan yang signifikan dibutuhkan Significant judgment is required in
untuk menentukan jumlah pajak determining the provision for income taxes.
penghasilan. Terdapat sejumlah transaksi There are many transactions and
dan perhitungan yang menimbulkan calculations for which the ultimate tax
ketidakpastian penentuan jumlah pajak determination is uncertain due to different
penghasilan karena interpretasi atas interpretation of tax regulations.
peraturan pajak yang berbeda.
- 50 -
Page 662
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jika hasil pemeriksaan pajak berbeda If the final tax outcome of these matters is
dengan jumlah yang sebelumnya telah different from the amounts that were initially
dibukukan, maka selisih tersebut akan recorded, such differences will have an
berdampak terhadap aset dan liabilitas impact on the current and deferred income
pajak kini dan tangguhan dalam periode tax assets and liabilities in the period in which
dimana hasil pemeriksaan tersebut terjadi. the results of the examination occurred.
Estimasi dan Asumsi Estimates and Assumptions
Asumsi utama mengenai masa depan dan The key assumptions concerning the future and
sumber utama lain dalam mengestimasi other key sources of estimation uncertainty at the
ketidakpastian pada tanggal pelaporan yang reporting date that have a significant risk of
mempunyai risiko signifikan yang dapat causing a material adjustment to the carrying
menyebabkan penyesuaian material terhadap amounts of assets and liabilities within the
nilai tercatat aset dan liabilitas dalam periode next financial period are disclosed below.
berikutnya diungkapkan di bawah ini. Grup The Group based its assumptions and estimates
mendasarkan asumsi dan estimasi pada on parameters available when
parameter yang tersedia saat laporan keuangan the consolidated financial statements were
konsolidasian disusun. Kondisi yang ada dan prepared. Existing circumstances and
asumsi mengenai perkembangan masa depan assumptions about future developments may
dapat berubah karena perubahan situasi pasar change due to market changes on circumstances
yang berada di luar kendali Grup. Perubahan arising beyond the control of the Group. Such
tersebut tercermin dalam asumsi ketika keadaan changes are reflected in the assumptions when
tersebut terjadi: they occur:
a. Nilai Wajar Aset Keuangan dan Liabilitas a. Fair Value of Financial Assets and Financial
Keuangan Liabilities
Standar Akuntansi Keuangan di Indonesia Indonesian Financial Accounting Standards
mensyaratkan pengukuran aset keuangan require measurement of certain financial
dan liabilitas keuangan tertentu pada nilai assets and liabilities at fair values, and
wajarnya, dan penyajian ini mengharuskan the disclosure requires the use of estimates.
penggunaan estimasi. Komponen Significant component of fair value
pengukuran nilai wajar yang signifikan measurement is determined based on
ditentukan berdasarkan bukti-bukti obyektif verifiable objective evidence (i.e., foreign
yang dapat diverifikasi (seperti nilai tukar, exchange rate, interest rate), while timing
suku bunga), sedangkan saat dan besaran and amount of changes in fair value might
perubahan nilai wajar dapat menjadi differ due to different valuation method used.
berbeda karena penggunaan metode
penilaian yang berbeda.
Nilai wajar aset keuangan dan liabilitas The fair value of financial assets and
diungkapkan pada Catatan 40. liabilities are set out in Note 40.
b. Revaluasi Aset Tetap b. Revaluation of Property and Equipment
Grup mengukur tanah dan bangunan pada The Group measures land and buildings at
nilai revaluasi, dan perubahan nilai wajar revalued amounts, and changes in fair value
aset tersebut diakui dalam penghasilan of these assets are recognized in other
komprehensif lain. Grup memakai jasa comprehensive income. The Group engaged
penilai independen untuk menentukan nilai an independent appraiser to determine the
wajar aset. Teknik penilaian yang digunakan fair value of these assets. Valuation
untuk menentukan nilai wajar tanah dan techniques used to determine the fair value
bangunan diungkapkan dalam Catatan 13. of land and buildings are disclosed in
Note 13.
- 51 -
Page 663
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Estimasi Masa Manfaat Aset Tetap c. Estimated Useful Lives of Property and
Equipment
Masa manfaat dari masing-masing aset The useful life of each of the item of the
tetap Grup diestimasi berdasarkan jangka Group’s property and equipment is estimated
waktu aset tersebut diharapkan tersedia based on the period over which the asset is
untuk digunakan. Estimasi tersebut expected to be available for use. Such
didasarkan pada penilaian kolektif estimation is based on a collective
berdasarkan bidang usaha yang sama, assessment of similar business, internal
evaluasi teknis internal dan pengalaman technical evaluation and experience with
dengan aset sejenis. Estimasi masa similar assets. The estimated useful life of
manfaat setiap aset ditelaah secara berkala each asset is reviewed periodically and
dan diperbarui jika estimasi berbeda dari updated if expectations differ from previous
perkiraan sebelumnya yang disebabkan estimates due to physical wear and tear,
karena pemakaian, usang secara teknis technical or commercial obsolescence, and
atau komersial serta keterbatasan hak atau legal or other limits on the use of the asset. It
pembatasan lainnya terhadap penggunaan is possible, however, that future results of
aset. Dengan demikian, hasil operasi di operations could be materially affected by
masa mendatang mungkin dapat changes in the amounts and timing of
terpengaruh secara signifikan oleh recorded expenses brought about by
perubahan dalam jumlah dan waktu changes in the factors mentioned above.
terjadinya biaya karena perubahan yang A reduction in the estimated useful life of any
disebabkan oleh faktor-faktor yang item of property and equipment would
disebutkan di atas. Penurunan estimasi increase the recorded depreciation and
masa manfaat ekonomis setiap aset tetap decrease the carrying values of these assets.
akan menyebabkan kenaikan beban
penyusutan dan penurunan nilai tercatat
aset tetap.
Nilai tercatat aset tetap diungkapkan pada The carrying values of these assets are
Catatan 13. disclosed in Note 13.
d. Imbalan Kerja Jangka Panjang d. Long-term Employee Benefits
Penentuan liabilitas imbalan kerja jangka The determination of the long-term employee
panjang dipengaruhi oleh asumsi-asumsi benefits is dependent on the selection of
tertentu yang digunakan oleh aktuaris dalam certain assumptions used by actuary in
menghitung jumlah tersebut. Asumsi- calculating such amounts. Those
asumsi tersebut dijelaskan dalam catatan assumptions are described in Note 41 and
41, dan mencakup, antara lain, tingkat include, among others, rate of salary
kenaikan gaji, dan tingkat diskonto yang increase, and discount rate which is
ditentukan dengan mengacu pada imbal determined after giving consideration to
atas bunga obligasi pemerintah dalam mata interest rates of high-quality corporates
uang yang sama dengan mata uang bonds that are denominated in the currency
pembayaran imbalan dan memiliki jangka in which the benefits are to be paid and have
waktu yang mendekati estimasi jangka terms of maturity approximating the terms of
waktu liabilitas imbalan kerja jangka panjang related employee benefits liability. Actual
tersebut. Hasil aktual yang berbeda dengan results that differ from the group's
asumsi Grup dibukukan pada penghasilan assumptions are charged to other
komprehensif lain dan dengan demikian, comprehensive income and therefore,
berdampak pada jumlah penghasilan generally affect the recognized other
komprehensif lain yang diakui dan liabilitas comprehensive income and recorded
yang tercatat pada periode-periode obligation in such future period. While it is
mendatang. Manajemen berkeyakinan believed that the group's assumptions are
bahwa asumsi-asumsi yang digunakan reasonable and appropriate, significant
adalah tepat dan wajar, namun demikian differences in actual experience or significant
perbedaan signifikan pada hasil aktual, atau changes in assumptions may materially
perubahan signifikan dalam asumsi-asumsi affect the amount of long-term employee
tersebut dapat berdampak signifikan pada benefits liability.
jumlah liabilitas imbalan kerja.
- 52 -
Page 664
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nilai tercatat liabilitas imbalan kerja jangka The carrying value of long-term employee
panjang diungkapkan pada Catatan 41. benefit liability is disclosed in Note 41.
e. Penurunan Nilai Aset Non-Keuangan e. Impairment of Non-financial Assets
Penelaahan atas penurunan nilai dilakukan Impairment review is performed when certain
apabila terdapat indikasi penurunan nilai impairment indicators are present.
aset tertentu. Penentuan nilai wajar aset Determining the fair value of assets requires
membutuhkan estimasi arus kas yang the estimation of cash flows expected to be
diharapkan akan dihasilkan dari pemakaian generated from the continued use and
berkelanjutan dan pelepasan akhir atas aset ultimate disposition of such assets. Any
tersebut. Perubahan signifikan dalam significant changes in the assumptions used
asumsi-asumsi yang digunakan untuk in determining the fair value may materially
menentukan nilai wajar dapat berdampak affect the assessment of recoverable values
signifikan pada nilai terpulihkan dan jumlah and any resulting impairment loss could have
kerugian penurunan nilai yang terjadi a material impact the Group’s results of
mungkin berdampak material pada hasil operations.
operasi Grup.
Nilai tercatat aset non-keuangan berupa The carrying value of these assets in the form
aset tetap dan aset lain-lain (agunan yang of property and equipment, and other assets
diambil alih) diungkapkan pada Catatan 13 (foreclosed properties) are set out in Notes
dan 16. 13 and 16.
f. Aset Pajak Tangguhan f. Deferred Tax Assets
Aset pajak tangguhan diakui untuk semua Deferred tax assets are recognized for all
perbedaan temporer antara nilai tercatat temporary differences between the financial
aset dan liabilitas pada laporan keuangan statements’ carrying amounts of existing
dengan dasar pengenaan pajak jika besar assets and liabilities and their respective tax
kemungkinan bahwa jumlah laba fiskal akan bases to the extent that it is probable that
memadai untuk pemanfaatan perbedaan taxable profit will be available against which
temporer yang diakui. Estimasi manajemen the temporary differences can be utilized.
yang signifikan diperlukan untuk Significant management estimates are
menentukan jumlah aset pajak tangguhan required to determine the amount of deferred
yang diakui berdasarkan kemungkinan tax assets that can be recognized, based
waktu terealisasinya dan jumlah laba kena upon the likely timing and the level of future
pajak pada masa mendatang serta strategi taxable profits together with future tax
perencanaan pajak masa depan. Aset pajak planning strategies. Deferred tax assets is
tangguhan diungkapkan pada Catatan 35. disclosed in Notes 35.
4. Giro pada Bank Indonesia 4. Demand Deposits with Bank Indonesia
2024 2023
Rupiah 5.032.452 5.602.464 Rupiah
Mata uang asing (Catatan 39) 673.985 420.348 Foreign currency (Note 39)
Jumlah 5.706.437 6.022.812 Total
Pada tanggal 31 Desember 2024 dan 2023 As of December 31, 2024 and 2023, this account
termasuk dalam giro pada Bank Indonesia includes current accounts based on the principles
adalah giro yang didasarkan pada prinsip of Islamic banking amounting to Rp1,012,337 and
perbankan syariah masing-masing sebesar Rp nil, respectively.
Rp1.012.337 dan Rp nihil.
- 53 -
Page 665
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Giro Wajib Minimum (GWM) Bank sesuai Minimum Statutory Reserves (GWM) Bank in
dengan Peraturan Bank Indonesia dan accordance with Bank Indonesia (BI) Regulation
Peraturan Anggota Dewan Gubernur (PADG) of Members of the Board of Governors (PADG)
diungkapkan pada Catatan 50a. are disclosed in Note 50a.
5. Giro pada Bank Lain 5. Demand Deposits with Other Banks
2024 2023
Pihak ketiga Third Parties
Rupiah Rupiah
Standard Chartered Bank, Standard Chartered Bank,
Indonesia 11.044 6.620 Indonesia
PT Bank Central Asia Tbk 4.004 87.364 PT Bank Central Asia Tbk
PT Maybank Indonesia Tbk 2.685 10.777 PT Maybank Indonesia Tbk
PT Bank Mandiri (Persero) Tbk 930 - PT Bank Mandiri (Persero) Tbk
PT Bank CIMB Niaga Tbk, Indonesia 887 - PT Bank CIMB Niaga Tbk, Indonesia
Lain-lain (di bawah Rp 1.000) 156 64 Others (under Rp 1,000)
Jumlah 19.706 104.825 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
PT Bank CIMB Niaga Tbk 668.666 71.674 PT Bank CIMB Niaga Tbk
Standard Chartered Bank, Standard Chartered Bank,
Amerika Serikat 473.438 363.851 United States of America
Bank of Amerika, Merrill Lynch, Bank of Amerika, Merrill Lynch,
Amerika Serikat 169.704 219.263 United States of America
Citibank 160.619 35.254 Citibank
Deutsche Bank Trust Company Deutsche Bank Trust Company
Americas, Amerika Serikat 151.576 66.981 Americas, United States of America
PT Bank Central Asia Tbk 102.979 417.552 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 92.886 1.241.544 PT Bank Mandiri (Persero) Tbk
United Overseas Bank, Singapura 75.885 26.131 United Overseas Bank, Singapore
Oversea Chinese Banking Oversea Chinese Banking
Corporation, Singapura 26.337 18.655 Corporation, Singapore
Bank of China, Indonesia 25.592 31.758 Bank of China, Indonesia
Deutsche Bank AG, Jerman 12.267 12.303 Deutsche Bank AG, Germany
Sumitomo Mitsui Banking Sumitomo Mitsui Banking
Corporation, Jepang 11.275 8.069 Corporation, Japan
Aktif Bank, Turki 6.644 6.779 Aktif Bank, Turkey
PT Bank ICBC Indonesia 3.911 3.670 PT Bank ICBC Indonesia
DBS Bank, Hong Kong 3.386 1.009 DBS Bank, Hong Kong
Bank of China, China 3.075 2.945 Bank of China, China
Kookmin Bank, Korea Selatan 3.056 5.290 Kookmin Bank, South Korea
Bank of Communication, China 2.508 4.133 Bank of Communication, China
Standard Chartered Bank, Inggris 2.346 5.454 Standard Chartered Bank, Great Britain
Banco De Sabadell SA, Spanyol 1.914 7.101 Banco De Sabadell SA, Spain
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk, Singapura 1.548 1.482 (Persero) Tbk, Singapore
Lain-lain (di bawah Rp 1.000) 2.236 1.144 Others (under Rp 1,000)
Jumlah mata uang asing 2.001.848 2.552.042 Total foreign currencies
Jumlah 2.021.554 2.656.867 Total
Cadangan kerugian penurunan nilai (565) (932) Allowance for impairment losses
Jumlah - bersih 2.020.989 2.655.935 Net
- 54 -
Page 666
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Kolektibilitas dan suku bunga rata-rata giro pada Collectability and average interest rate current
Bank lain sesuai dengan Peraturan Otoritas Jasa account with other banks in accordance with
Keuangan diungkapkan pada Catatan 50b. Financial Services Authority Regulation are
disclosed in Note 50b.
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment losses
giro pada bank lain adalah sebagai berikut: on demand deposit with other banks are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 932 - - 932 of the year
Pemulihan tahun berjalan (367) - - (367) Reversal for current year
Saldo akhir tahun 565 - - 565 Balance at the end of the year
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 724 - - 724 of the year
Pembentukan tahun berjalan 208 - - 208 Provision of current year
Saldo akhir tahun 932 - - 932 Balance at the end of the year
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian untuk penurunan nilai yang dibentuk impairment losses as of December 31, 2024 and
pada tanggal 31 Desember 2024 dan 2023 2023 is adequate to cover possible losses that
adalah cukup untuk menutup kemungkinan may be incurred.
kerugian yang mungkin timbul.
6. Penempatan pada Bank Indonesia dan Bank 6. Placements with Bank Indonesia and Other
Lain Banks
2024
Suku Bunga Pihak
Rata-rata/ Ketiga/
Jangka Waktu/ Average Interest Third
Jenis Penempatan Term Rate Parties Type of Placement
%
Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Deposit facility 2 hari/days 5,25 2.294.000 Deposit facility
Penempatan pada bank lain Placements with other banks
Call money 2-28 hari/days 6,40 2.440.089 Call money
Jumlah Rupiah 4.734.089 Total Rupiah
Mata uang asing (Catatan 39) Foreign currency (Note 39)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Term deposit 2 hari/days 4,53 3.702.316 Term deposits
Penempatan pada bank lain Placements with other banks
Call money 3-32 hari/days 4,86 289.710 Call money
Jumlah mata uang asing 3.992.026 Total foreign currency
Jumlah 8.726.115 Total
Cadangan kerugian penurunan nilai (139) Allowance for impaiment losses
Jumlah - bersih 8.725.976 Net
- 55 -
Page 667
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Suku Bunga Pihak
Rata-rata/ Ketiga/
Jangka Waktu/ Average Interest Third
Jenis Penempatan Term Rate Parties Type of Placement
%
Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Deposit facility 4 hari/days 5,25 1.650.000 Deposit facility
Mata uang asing (Catatan 39) Foreign currency (Note 39)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Term deposit 4 hari/days 5,34 4.467.117 Term deposits
Penempatan pada bank lain Placements with other banks
Call money 7 hari/days 5,65 146.272 Call money
Jumlah mata uang asing 4.613.389 Total foreign currency
Jumlah 6.263.389 Total
Cadangan kerugian penurunan nilai (12) Allowance for impaiment losses
Jumlah - bersih 6.263.377 Net
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, placements
penempatan pada bank lain dalam bentuk call with other banks are in the form of call money and
money dan penempatan pada Bank Indonesia placement with Bank Indonesia are in the form of
dalam bentuk deposit facility dan term deposit deposit facility and term deposits are classified as
dikategorikan sebagai aset keuangan pada biaya financial assets at amortized cost.
perolehan diamortisasi.
Penempatan pada bank lain dalam mata uang Details of placements with other banks in Rupiah
Rupiah dan asing merupakan penempatan pada: and foreign exchange are as follows:
Nama Bank 2024 2023 Name of Bank
Rupiah Rupiah
Call money Call money
PT Bank Maybank Indonesia Tbk 200.000 - PT Bank Maybank Indonesia Tbk
PT Bank Pembangunan Daerah - PT Bank Pembangunan Daerah
Kalimantan Timur dan Kalimantan Utara 200.000 - Kalimantan Timur dan Kalimantan Utara
PT Bank Permata Tbk 200.000 - PT Bank Permata Tbk
PT Bank China Construction Bank Indonesia Tbk 150.000 - PT Bank China Construction Bank Indonesia Tbk
PT Bank CIMB Niaga Tbk 150.000 - PT Bank CIMB Niaga Tbk
PT Bank CTBC Indonesia 150.000 - PT Bank CTBC Indonesia
PT Bank DKI Jakarta 150.000 - PT Bank DKI Jakarta
PT Bank Pembangunan Daerah - PT Bank Pembangunan Daerah
Kalimantan Selatan 150.000 - Kalimantan Selatan
PT Bank Pembangunan Daerah - PT Bank Pembangunan Daerah
Sumatera Selatan dan Bangka Belitung 150.000 - Sumatera Selatan dan Bangka Belitung
PT Bank Danamon Indonesia Tbk 100.000 - PT Bank Danamon Indonesia Tbk
PT Bank Mega Tbk 100.000 - PT Bank Mega Tbk
PT Bank Pembangunan Daerah - PT Bank Pembangunan Daerah
Kalimantan Tengah 100.000 - Kalimantan Tengah
PT Bank Pembangunan Daerah - PT Bank Pembangunan Daerah
Sulawesi Selatan dan Sulawesi Barat 100.000 - Sulawesi Selatan dan Sulawesi Barat
PT Bank Rakyat Indonesia (Persero) Tbk 100.000 - PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Raya Indonesia Tbk 100.000 - PT Bank Raya Indonesia Tbk
PT Bank Syariah Indonesia Tbk 100.089 - PT Bank Syariah Indonesia Tbk
PT Bank UOB Indonesia 100.000 - PT Bank UOB Indonesia
PT Bank Victoria International Tbk 50.000 - PT Bank Victoria International Tbk
PT Bank Pembangunan Daerah Jawa Tengah 50.000 - PT Bank Pembangunan Daerah Jawa Tengah
PT Bank KB Bukopin Tbk 40.000 - PT Bank KB Bukopin Tbk
Jumlah 2.440.089 - Total
Nama Bank 2024 2023 Name of Bank
US$ US$
Mata uang asing Foreign Exchange
Call money Call money
PT Bank Shinhan Indonesia 9.000.000 - PT Bank Shinhan Indonesia
PT Bank KB Bukopin Tbk 6.000.000 - PT Bank KB Bukopin Tbk
State Bank of India 3.000.000 - State Bank of India
PT Bank CTBC Indonesia - 9.500.000 PT Bank CTBC Indonesia
Jumlah 18.000.000 9.500.000 Total
- 56 -
Page 668
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Kolektibilitas penempatan pada Bank Indonesia Collectibility placement with Bank Indonesia and
dan bank lain sesuai Peraturan Otoritas Jasa other banks in accordance with Financial Services
Keuangan diungkapkan pada Catatan 50c. Authority Regulation are disclosed in Note 50c.
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment losses
penempatan pada Bank Indonesia dan bank lain on placements with Bank Indonesia and other
adalah sebagai berikut: banks are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 12 - - 12 of the year
Pembentukan tahun berjalan 127 - - 127 Provision of current year
Saldo akhir tahun 139 - - 139 Balance at the end of the year
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 113 - - 113 of the year
Pemulihan tahun berjalan (101) - - (101) Reversal for current year
Saldo akhir tahun 12 - - 12 Balance at the end of the year
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian untuk penurunan nilai yang dibentuk impairment losses as of December 31, 2024 and
pada tanggal 31 Desember 2024 dan 2023 2023 is adequate to cover possible losses arising.
adalah cukup untuk menutup kemungkinan
kerugian yang timbul.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the Group
Grup tidak memiliki dana yang tidak dapat did not have undisbursed funds in troubled banks,
dicairkan pada bank bermasalah, bank beku frozen bank operations or under liquidation.
operasi atau dibawah likuidasi.
7. Efek-Efek 7. Securities
a. Jenis dan tujuan investasi efek-efek adalah a. The details of securities by type and purpose
sebagai berikut: of investments are as follows:
2024 2023
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah Rupiah
Diukur pada biaya perolehan diamortisasi At amortized cost
Obligasi korporasi 41.725 - Corporate bonds
Diukur pada nilai wajar melalui laba rugi At fair value through profit and loss
Unit reksadana 1.021.720 1.130.334 Mutual funds
Jumlah Rupiah-pihak berelasi 1.063.445 1.130.334 Total Rupiah-related parties
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Diukur pada biaya perolehan diamortisasi At amortized cost
Tagihan atas wesel ekspor 15.695 10.469 Export bills receivable
Jumlah mata uang asing-pihak berelasi 15.695 10.469 Total foreign currencies-related parties
Jumlah - pihak berelasi 1.079.140 1.140.803 Total - related parties
- 57 -
Page 669
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Pihak ketiga Third parties
Rupiah Rupiah
Diukur pada nilai wajar melalui laba rugi At fair value through profit and loss
Obligasi Pemerintah 1.549.188 - Government bonds
Unit reksadana 955.329 861.814 Mutual funds
Jumlah diukur pada nilai wajar Total at fair value through profit
melalui laba rugi 2.504.517 861.814 and loss - trading
Diukur pada nilai wajar melalui At fair value through other
penghasilan komprehensif lain comprehensive income
Obligasi Pemerintah 4.467.144 7.040.628 Government bonds
Obligasi korporasi 6.948.093 5.913.385 Corporate bonds
Jumlah diukur pada nilai wajar melalui Total at fair value through other
penghasilan komprehensif lain 11.415.237 12.954.013 comprehensive income
Diukur pada biaya perolehan diamortisasi At amortized cost
Obligasi Pemerintah 5.697.011 2.363.861 Government bonds
Obligasi korporasi 26.150 10.212 Corporate bonds
Sertifikat pengelolaan dana Sharia compliant interbank fund
berdasarkan prinsip syariah 250.000 - management certificate
Sertifikat investasi mudharabah Certificate of sharia interbank
antarbank syariah 400.000 - mudharabah investment
Tagihan atas wesel ekspor - 1.527 Export bills receivable
Jumlah biaya perolehan di amortisasi 6.373.161 2.375.600 Total at amortized cost
Jumlah Rupiah-pihak ketiga 20.292.915 16.191.427 Total Rupiah-third parties
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Diukur pada nilai wajar melalui laba rugi At fair value through profit and loss
Unit reksadana - 15.441 Mutual funds
Obligasi Pemerintah - 326.954 SBBI
Jumlah diukur pada nilai wajar Total at fair value through profit
melalui laba rugi - 342.395 and loss - trading
Diukur pada biaya perolehan diamortisasi At amortized cost
Obligasi Pemerintah 16.189 15.527 Government Bond
Obligasi korporasi 101.110 97.103 Corporate bonds
Tagihan atas wesel ekspor 17.125 27.151 Export bills receivable
Jumlah diukur pada biaya perolehan
diamortisasi 134.424 139.781 Total at amortized cost
Diukur pada nilai wajar melalui At fair value through other
penghasilan komprehensif lain comprehensive income
Obligasi Pemerintah 220.818 70.209 Government Bonds
Obligasi korporasi 395.978 247.456 Corporate bond
Jumlah diukur pada nilai wajar melalui Total at fair value through other
penghasilan komprehensif lain 616.796 317.665 comprehensive income
Jumlah-mata uang asing-pihak ketiga 751.220 799.841 Total-foreign currency-third parties
Jumlah-pihak ketiga 21.044.135 16.991.268 Total-third parties
Jumlah 22.123.275 18.132.071 Total
Cadangan kerugian penurunan nilai (245) (269) Allowance for impairment losses
Jumlah - bersih 22.123.030 18.131.802 Net
- 58 -
Page 670
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Efek-efek yang diukur pada biaya perolehan b. The details of securities measured at
diamortisasi pada 31 Desember 2024 dan amortized cost as of December 31, 2024 and
2023 berdasarkan jangka waktu dan jatuh 2023 based on contractual and remaining
tempo adalah sebagai berikut: maturity follows:
2024
Lebih dari Lebih dari
Sampai dengan 1-5 tahun/ 5 tahun/
1 tahun/ More than 1 year More than Jumlah/
1 year or less until 5 years 5 years Total
Berdasarkan jangka waktu Based on contractual maturity
Rupiah Rupiah
Obligasi Pemerintah 2.850.000 1.005 2.846.007 5.697.012 Government bonds
Obligasi korporasi - 57.725 10.149 67.874 Corporate bonds
Sertifikat pengelolaan dana Sharia interbank compliant fund
berdasarkan prinsip syariah 250.000 - - 250.000 management certificate
Sertifikat investasi mudharabah Certificate of sharia interbank
antarbank syariah 400.000 - - 400.000 mudharabah investment
Jumlah - Rupiah 3.500.000 58.730 2.856.156 6.414.886 Total - Rupiah
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Obligasi korporasi - 8.006 93.105 101.111 Corporate bonds
Obligasi Pemerintah - - 16.189 16.189 Government bonds
Tagihan atas wesel ekspor 32.820 - - 32.820 Export bills receivables
Jumlah - mata uang asing 32.820 8.006 109.294 150.120 Total - foreign currencies
Jumlah 3.532.820 66.736 2.965.450 6.565.006 Total
Berdasarkan jatuh tempo Based on remaining maturity
Rupiah Rupiah
Obligasi Pemerintah 2.851.005 169.752 2.676.255 5.697.012 Government bonds
Obligasi korporasi - 67.874 - 67.874 Corporate bonds
Sertifikat pengelolaan dana Sharia interbank compliant fund
berdasarkan prinsip syariah 250.000 - - 250.000 management certificate
Sertifikat investasi mudharabah Certificate of sharia interbank
antarbank syariah 400.000 - - 400.000 mudharabah investment
Jumlah - Rupiah 3.501.005 237.626 2.676.255 6.414.886 Total - Rupiah
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Obligasi korporasi 8.006 - 93.105 101.111 Corporate bonds
Obligasi Pemerintah - 16.189 - 16.189 Government bonds
Tagihan atas wesel ekspor 32.820 - - 32.820 Export bills receivables
Jumlah - mata uang asing 40.826 16.189 93.105 150.120 Total - foreign currencies
Jumlah 3.541.831 253.815 2.769.360 6.565.006 Total
2023
Lebih dari Lebih dari
Sampai dengan 1-5 tahun/ 5 tahun/
1 tahun/ More than 1 year More than Jumlah/
1 year or less until 5 years 5 years Total
Berdasarkan jangka waktu Based on contractual maturity
Rupiah Rupiah
Obligasi Pemerintah 426.868 51.199 1.885.794 2.363.861 Government bonds
Obligasi korporasi - - 10.212 10.212 Corporate Bonds
Tagihan atas wesel ekspor 1.527 - - 1.527 Export bills receivables
Jumlah - Rupiah 428.395 51.199 1.896.006 2.375.600 Total - Rupiah
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Obligasi korporasi - 7.500 89.603 97.103 Corporate bonds
Obligasi Pemerintah - - 15.527 15.527 Government bonds
Tagihan atas wesel ekspor 37.620 - - 37.620 Export bills receivables
Jumlah - mata uang asing 37.620 7.500 105.130 150.250 Total - foreign currencies
Jumlah 466.015 58.699 2.001.136 2.525.850 Total
Berdasarkan jatuh tempo Based on remaining maturity
Rupiah Rupiah
Obligasi Pemerintah 477.053 170.574 1.716.234 2.363.861 Government bonds
Obligasi korporasi - 10.212 - 10.212 Corporate bonds
Tagihan atas wesel ekspor 1.527 - - 1.527 Export bills receivables
Jumlah - Rupiah 478.580 180.786 1.716.234 2.375.600 Total - Rupiah
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Obligasi korporasi - 7.500 89.603 97.103 Corporate bonds
Obligasi Pemerintah - 15.527 - 15.527 Government bonds
Tagihan atas wesel ekspor 37.620 - - 37.620 Export bills receivables
Jumlah - mata uang asing 37.620 23.027 89.603 150.250 Total - foreign currencies
Jumlah 516.200 203.813 1.805.837 2.525.850 Total
- 59 -
Page 671
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Suku bunga per tahun efek-efek adalah c. Interest rates per annum of securities are as
sebagai berikut: follows:
2024 2023
Rupiah Rupiah
Obligasi Pemerintah 0,00 - 10,25 5,50 - 10,25 Government bonds
Obligasi korporasi 6,80 - 11,25 5,50 - 11,25 Corporate bonds
Tagihan atas wesel ekspor - 6,80 - 7,45 Export bills receivable
Sertifikat investasi mudharabah Certificate of sharia interbank
antarbank syariah 6,35 - 6,45 - mudharabah investment
Mata uang asing Foreign currency
Obligasi Pemerintah 1,75 - 7,75 1,75 - 7,75 Government bonds
Obligasi korporasi 2,30 - 8,75 2,30 - 8,13 Corporate bonds
Tagihan atas wesel ekspor 0,00 - 6,16 5,33 - 6,49 Export bills receivable
d. Nilai wajar dari obligasi (termasuk obligasi d. The fair values of amortized cost bonds
Pemerintah) yang diukur pada biaya (including Government Bonds) as of
perolehan diamortisasi pada tanggal December 31, 2024 and 2023 amounted to
31 Desember 2024 dan 2023 adalah Rp6,565,005 and Rp2,525,850, respectively.
masing-masing sebesar Rp6.565.005 dan
Rp2.525.850.
e. Berikut ini adalah ikhtisar peringkat dan e. The following is an overview of the ratings
pemeringkat efek-efek untuk tujuan and ratings of securities for investment
investasi yang dimiliki Bank pada tanggal purposes owned by the Bank as of
31 Desember 2024 dan 2023: December 31, 2024 and 2023:
2024 2023
Penerbit/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/
Issuer Rating Rater Rating Rater
PT Adhi Karya (Persero) Tbk idA- Pefindo idA- Pefindo
PT Adira Dinamika Multi
Finance Tbk idAAA Pefindo idAAA Pefindo
PT Bank Pembangunan Daerah
Jawa Barat dan Banten Tbk idAA Pefindo idAA Pefindo
PT Barito Pacific Tbk idA+ Pefindo idA+ Pefindo
PT BFI Finance Indonesia Tbk AA-(idn) Fitch AA-(idn) Fitch
PT Chandra Asri Petrochemical Tbk idAA- Pefindo idAA- Pefindo
PT Hino Finance Indonesia AA+(idn) Fitch AAA(idn) Fitch
PT Hutama Karya (Persero) idAA- Pefindo idAA- Pefindo
PT Indika Energy Tbk BB-(idn) Fitch - -
PT Indomobil Finance Indonesia idAA- Pefindo idA+ Pefindo
PT Indonesia Asahan Aluminium BBB- Fitch BBB- Fitch
PT Indosat Tbk idAAA Pefindo idAAA Pefindo
PT Japfa Comfeed Tbk B+(idn) Fitch B+(idn) Fitch
PT Medco Energi Internasional Tbk idAA- Pefindo idAA- Pefindo
PT Merdeka Copper Gold Tbk idA+ Pefindo idA+ Pefindo
PT Pembangunan Perumahan (Persero) idA Pefindo idA Pefindo
PT Pertamina (Persero) BBB(idn) Fitch BBB Fitch
PT Perusahaan Listrik Negara (Persero) idAAA Pefindo idAAA Pefindo
PT Samator Indo Gas Tbk A(idn) Fitch A(idn) Fitch
PT Surya Artha Nusantara Finance AA+(idn) Fitch AA(idn) Fitch
PT Telkom Indonesia (Persero) Tbk idAAA Pefindo idAAA Pefindo
PT Wahana Inti Selaras idA Pefindo idA Pefindo
PT Wahana Ottomitra Multiartha Tbk AA(idn) Fitch AA(idn) Fitch
PT Wijaya Karya (Persero) Tbk idBB- Pefindo idCCC Pefindo
MTN PT Pos Indonesia (Persero) A Fitch idBBB+ Pefindo
MTN PT Wahana Interfood Nusantara Tbk irBBB+ KRI irBBB+ KRI
Sukuk Ijarah PT Indosat Tbk idAAA(sy) Pefindo idAAA(sy) Pefindo
Sukuk Ijarah PT Samator Indo Gas Tbk A(idn) Fitch A(idn) Fitch
Sukuk Mudharabah PT Bank Syariah
Indonesia Tbk idAAA(sy) Pefindo - -
Sukuk Mudharabah PT Indah Kiat
Pulp and Paper Tbk idA+(sy) Pefindo - -
Sukuk Mudharabah PT Lontar Papyrus
Pulp & Paper Industry idA(sy) Pefindo - -
- 60 -
Page 672
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Penerbit/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/
Issuer Rating Rater Rating Rater
Sukuk Mudharabah PT Wijaya Karya Tbk idBB- Pefindo idCCC Pefindo
Sukuk Mudharabah PT Hutama
Karya (Persero) idAA- Pefindo idAA- Pefindo
Sukuk Wakalah Bi Al-Istitsmar
CIMB Niaga Auto Finance AA+(idn) Fitch AA+(idn) Fitch
Solar United Network Pte.Ltd irBBB+ KRI irBBB+ KRI
Goldman Sachs Group Inc A Fitch A Fitch
Medco Oak Tree Pte Ltd BB-(idn) Fitch B+(idn) Fitch
PT Bussan Auto Finance - - idAAA Pefindo
PT Mandiri Tunas Finance - - idAAA Pefindo
PT Maybank Indonesia Finance - - idAAA Pefindo
Sukuk Ijarah PT Perusahaan
Listrik Negara - - idAAA(sy) Pefindo
f. Kolektibilitas efek-efek sesuai Peraturan f. Collectibility marketable securities in
Otoritas Jasa Keuangan diungkapkan pada accordance with Financial Services Authority
Catatan 50d. Regulation are disclosed in Note 50d.
g. Perubahan cadangan kerugian penurunan g. The changes in allowance for impairment
nilai efek-efek adalah sebagai berikut: losses on securities are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 269 - - 269 of the year
Pemulihan tahun berjalan (24) - - (24) Reversal of current year
Saldo akhir tahun 245 - - 245 Balance at the end of the year
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 498 - - 498 of the year
Pemulihan tahun berjalan (229) - - (229) Reversal of current year
Saldo akhir tahun 269 - - 269 Balance at the end of the year
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian untuk penurunan nilai yang impairment losses as of December 31, 2024
dibentuk pada tanggal 31 Desember 2024 and 2023 is adequate to cover possible
dan 2023 adalah cukup untuk menutup losses that may be incurred.
kemungkinan kerugian yang timbul.
h. Tidak terdapat penghapusan efek-efek h. There are no securities written-off for the
selama tahun-tahun yang berakhir years ended December 31, 2024 and 2023.
31 Desember 2024 dan 2023.
- 61 -
Page 673
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. Efek yang Dibeli dengan Janji Jual Kembali - 8. Securities Purchased under Agreement to
Pihak Ketiga Resell - Third Parties
Pada tanggal 31 Desember 2024, efek-efek yang As of December 31, 2024, securities purchased
dibeli dengan janji jual kembali adalah sebagai under agreement to resell are:
berikut:
2024
Biaya diterima dimuka
Tanggal yang belum direalisasi/
Pihak Lawan/ Jenis/ Jangka waktu/ jatuh tempo/ Nilai nominal/ Unamortized interest Nilai bersih/
Counterparty Type Term Due Date Nominal value received Net Value
Rupiah
BI VR0059 90 hari/days 26 Februari/February 26, 2025 24.143 (244) 23.899
BI VR0034 91 hari/days 25 Maret/March 25, 2025 25.119 (393) 24.726
BI VR0034 91 hari/days 25 Maret/March 25, 2025 25.122 (396) 24.726
BI VR0034 91 hari/days 25 Maret/March 25, 2025 25.125 (398) 24.727
Bank CCIB IDSR141125364S 14 hari/days 7 Januari/January 7, 2025 94.239 (102) 94.137
Jumlah/Total 193.748 (1.533) 192.215
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no impairment
penurunan nilai atas efek yang dibeli dengan in the value of securities purchased under
janji jual kembali pada tanggal 31 Desember agreement to resell as of December 31, 2024.
2024.
9. Kredit yang Diberikan dan Piutang/ 9. Loans and Receivables/Sharia Financing
Pembiayaan Syariah
a. Jenis Kredit dan Piutang/Pembiayaan a. By Types of Loans and Receivables/Sharia
Syariah Financing
2024
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah Rupiah
Pinjaman tetap 212.828 - - - 212.828 Fixed loans
Pinjaman karyawan 69.241 - - - 69.241 Loans to employees
Pinjaman konsumsi 7.068 - - - 7.068 Consumer loans
Piutang syariah - ijarah multijasa - - - 187 187 Sharia receivable - ijarah multijasa
Piutang syariah - qardh - - - 23 23 Sharia receivables - qardh
Jumlah 289.137 - - 210 289.347 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pinjaman tetap 8.048 - - - 8.048 Fixed loans
Jumlah - pihak berelasi 297.185 - - 210 297.395 Total - related parties
Pihak ketiga Third parties
Rupiah Rupiah
Pinjaman cicilan 2.523.250 501.592 153.692 - 3.178.534 Installment loans
Piutang syariah - musyarakah - - - 2.375.665 2.375.665 Sharia receivables - musyarakah
Pinjaman tetap 4.506.988 8.965 - - 4.515.953 Fixed loans
Pinjaman konsumsi 2.152.332 179.980 56.360 - 2.388.672 Consumer loans
Piutang syariah - murabahah - - - 335.423 335.423 Sharia receivables - murabahah
Piutang syariah - mudharabah - - - 312.192 312.192 Sharia receivables - mudharabah
Pinjaman rekening koran 343.515 283 - - 343.798 Overdraft
Piutang syariah - qardh - - - 13.676 13.676 Sharia receivables - qardh
Pinjaman karyawan 51.115 146 370 - 51.631 Loans to employees
Piutang syariah - ijarah multijasa - - - 136.704 136.704 Sharia receivable - ijarah multijasa
Piutang syariah - ijarah - - - 209 209 Sharia receivables - ijarah
Jumlah 9.577.200 690.966 210.422 3.173.869 13.652.457 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pinjaman cicilan 378.849 - - - 378.849 Installment loans
Pinjaman tetap 27.102 - - - 27.102 Fixed loans
Jumlah 405.951 - - - 405.951 Total
Jumlah - pihak ketiga 9.983.151 690.966 210.422 3.173.869 14.058.408 Total - third parties
Jumlah 10.280.336 690.966 210.422 3.174.079 14.355.803 Total
Cadangan kerugian penurunan nilai (295.945) (310.066) (168.027) (775.478) (1.549.516) Allowance for impairment losses
Jumlah - bersih 9.984.391 380.900 42.395 2.398.601 12.806.287 Net
- 62 -
Page 674
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah Rupiah
Pinjaman tetap 131.902 - - - 131.902 Fixed loans
Pinjaman karyawan 62.398 - - - 62.398 Loans to employees
Pinjaman konsumsi 8.973 - - - 8.973 Consumer loans
Piutang syariah - qardh - - - 67 67 Sharia receivables - qardh
Jumlah 203.273 - - 67 203.340 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pinjaman tetap 7.699 - - - 7.699 Fixed loans
Jumlah - pihak berelasi 210.972 - - 67 211.039 Total - related parties
Pihak ketiga Third parties
Rupiah Rupiah
Pinjaman cicilan 3.128.438 814.208 33.498 - 3.976.144 Installment loans
Piutang syariah - musyarakah - - - 3.936.659 3.936.659 Sharia receivables - musyarakah
Pinjaman tetap 3.646.949 9.991 - - 3.656.940 Fixed loans
Pinjaman konsumsi 2.677.752 321.630 76.248 - 3.075.630 Consumer loans
Piutang syariah - murabahah - - - 377.007 377.007 Sharia receivables - murabahah
Piutang syariah - mudharabah - - - 679.725 679.725 Sharia receivables - mudharabah
Pinjaman rekening koran 218.699 - - - 218.699 Overdraft
Piutang syariah - qardh - - - 171.840 171.840 Sharia receivables - qardh
Pinjaman karyawan 42.119 61 668 - 42.848 Loans to employees
Piutang syariah - ijarah - - - 2.188 2.188 Sharia receivables - ijarah
Jumlah 9.713.957 1.145.890 110.414 5.167.419 16.137.680 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pinjaman cicilan 450.868 - - - 450.868 Installment loans
Pinjaman tetap 71.859 - - - 71.859 Fixed loans
Jumlah 522.727 - - - 522.727 Total
Jumlah - pihak ketiga 10.236.684 1.145.890 110.414 5.167.419 16.660.407 Total - third parties
Jumlah 10.447.656 1.145.890 110.414 5.167.486 16.871.446 Total
Cadangan kerugian penurunan nilai (347.689) (347.364) (53.952) (937.241) (1.686.246) Allowance for impairment losses
Jumlah - bersih 10.099.967 798.526 56.462 4.230.245 15.185.200 Net
b. Sektor Ekonomi dan Kolektibilitas b. By Economic Sectors and Collectibility
Kredit dan piutang/pembiayaan syariah Loans and receivables/sharia financing
berdasarkan sektor ekonomi dan based on economic sectors and collectability
kolektibilitas adalah sebagai berikut: are as follow:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Jenis Stage 1 Stage 2 Stage 3 Sharia Total Types of Loans
Rupiah Rupiah
Perdagangan besar dan eceran, reparasi, Wholesale and retail trade, repair,
dan perawatan mobil, dan sepeda motor 4.295.201 442.011 146.887 2.548.125 7.432.224 and maintenance of cars, and motorcycles
Rumah tangga 2.198.778 176.515 53.871 4.695 2.433.859 Household
Aktivitas keuangan dan asuransi 980.310 - 60 - 980.370 Financial and insurance activities
Pertambangan dan penggalian 678.002 - - - 678.002 Mining and excavation
Konstruksi 283.269 2.530 - 205.241 491.040 Construction
Pertanian, kehutanan dan perikanan 359.743 18.255 3.200 30.337 411.535 Agriculture, hunting and forestry
Real estate 284.970 258 - 99.933 385.161 Real estate
Industri pengolahan 259.144 10.705 3.786 55.997 329.632 Processing industries
Bukan lapangan usaha lainnya 44.460 18 89 148.938 193.505 Not other business fields
Pengangkutan dan pergudangan 139.305 9.845 556 5.959 155.665 Transport and warehousing
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 88.989 17.831 520 29.744 137.084 beverage
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 75.488 1.764 - 15.365 92.617 and social activities
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 57.822 1.571 1.066 16.895 77.354 and other business support
Aktivitas profesional, ilmiah, dan teknis 57.504 - 32 556 58.092 Professional, scientific and technical activity
Aktivitas jasa lainnya 33.431 6.327 245 3.076 43.079 Other service activities
Jasa pendidikan 12.693 - - 6.516 19.209 Education services
Kesenian, hiburan dan rekreasi 5.884 304 - 2.572 8.760 Arts, entertainment and recreation
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 4.452 3.032 - - 7.484 and remediation activities
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 4.434 - - - 4.434 hot and cold air
Informasi dan komunikasi 2.458 - 110 130 2.698 Information and communication
Jumlah 9.866.337 690.966 210.422 3.174.079 13.941.804 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Industri pengolahan 247.260 - - - 247.260 Processing industries
Pertambangan dan penggalian 158.691 - - - 158.691 Mining and excavation
Rumah tangga 8.048 - - - 8.048 Household
Jumlah 413.999 - - - 413.999 Subtotal
Jumlah 10.280.336 690.966 210.422 3.174.079 14.355.803 Total
Cadangan kerugian penurunan nilai (295.945) (310.066) (168.027) (775.478) (1.549.516) Allowance for impairment losses
Jumlah - bersih 9.984.391 380.900 42.395 2.398.601 12.806.287 Net
- 63 -
Page 675
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Jenis Stage 1 Stage 2 Stage 3 Sharia Total Types of Loans
Rupiah Rupiah
Perdagangan besar dan eceran, reparasi, Wholesale and retail trade, repair,
dan perawatan mobil, dan sepeda motor 3.341.911 507.005 21.314 4.574.150 8.444.380 and maintenance of cars, and motorcycles
Rumah tangga 2.721.848 313.574 72.304 354 3.108.080 Household
Aktivitas keuangan dan asuransi 1.092.753 - 166 657 1.093.576 Financial and insurance activities
Pertambangan dan penggalian 780.252 147 - - 780.399 Mining and excavation
Informasi dan komunikasi 436.429 267.462 2.354 179 706.424 Information and communication
Real estate 508.732 279 - 112.610 621.621 Real estate
Pertanian, kehutanan dan perikanan 328.557 12.672 3.049 242.310 586.588 Agriculture, hunting and forestry
Industri pengolahan 251.053 15.139 3.961 16.217 286.370 Processing industries
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 4.339 285 - 149.155 153.779 and social activities
Konstruksi 103.329 1.967 737 5.279 111.312 Construction
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 81.915 7.582 4.169 11.019 104.685 beverage
Pengangkutan dan pergudangan 83.103 17.416 389 2.116 103.024 Transport and warehousing
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 67.088 1.006 636 19.605 88.335 and other business support
Bukan lapangan usaha lainnya 44.850 306 42 25.576 70.774 Not other business fields
Aktivitas profesional, ilmiah, dan teknis 35.485 - 57 769 36.311 Professional, scientific and technical activity
Aktivitas jasa lainnya 14.755 819 1.200 3.376 20.150 Other service activities
Jasa pendidikan 12.906 - 36 1.936 14.878 Education services
Kesenian, hiburan dan rekreasi 2.314 25 - 2.105 4.444 Arts, entertainment and recreation
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 3.041 - - 59 3.100 hot and cold air
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 2.570 206 - 14 2.790 and remediation activities
Jumlah 9.917.230 1.145.890 110.414 5.167.486 16.341.020 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Industri pengolahan 291.657 - - - 291.657 Processing industries
Pertambangan dan penggalian 231.070 - - - 231.070 Mining and excavation
Rumah tangga 7.699 - - - 7.699 Household
Jumlah 530.426 - - - 530.426 Subtotal
Jumlah 10.447.656 1.145.890 110.414 5.167.486 16.871.446 Total
Cadangan kerugian penurunan nilai (347.689) (347.364) (53.952) (937.241) (1.686.246) Allowance for impairment losses
Jumlah - bersih 10.099.967 798.526 56.462 4.230.245 15.185.200 Net
Kredit dan piutang/pembiayaan syariah Loans and receivables/sharia financing
berdasarkan kolektibilitas: based on collectibility:
2024
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah Rupiah
Rumah tangga 69.777 - - - - 69.777 Household
Aktivitas keuangan dan asuransi 199.924 - - - - 199.924 Financial and insurance activities
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 12.904 - - - - 12.904 and maintenance of cars, and motorcycles
Bukan lapangan usaha lainnya 6.669 - - - - 6.669 Not other business fields
Aktivitas jasa lainnya 73 - - - - 73 Other service activities
Jumlah 289.347 - - - - 289.347 Subtotal
Mata uang asing (Catatan 39) Foreign currency (Note 39)
Rumah tangga 8.048 - - - - 8.048 Household
Jumlah - pihak berelasi 297.395 - - - - 297.395 Total - related parties
Pihak ketiga Third Parties
Rupiah Rupiah
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 6.544.099 726.408 4.115 3.568 141.130 7.419.320 and maintenance of cars, and motorcycles
Rumah tangga 1.865.236 444.975 20.156 16.357 17.358 2.364.082 Household
Aktivitas keuangan dan asuransi 780.038 348 - - 60 780.446 Financial and insurance activities
Pertambangan dan penggalian 678.002 - - - - 678.002 Mining and excavation
Konstruksi 489.333 1.707 - - - 491.040 Construction
Pertanian, kehutanan dan perikanan 405.011 3.199 166 1.143 2.016 411.535 Agriculture, hunting and forestry
Real estate 384.903 258 - - - 385.161 Real estate
Industri pengolahan 317.659 8.187 334 293 3.159 329.632 Processing industries
Bukan lapangan usaha lainnya 152.880 28.950 2.153 816 2.037 186.836 Not other business fields
Pengangkutan dan pergudangan 154.763 342 - 179 381 155.665 Transport and warehousing
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 134.214 2.072 250 3 545 137.084 beverage
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 91.596 1.012 - 6 3 92.617 and social activities
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 74.625 1.663 334 216 516 77.354 and other business support
Aktivitas profesional, ilmiah, dan teknis 58.060 - - - 32 58.092 Professional, scientific and technical activity
Aktivitas jasa lainnya 38.522 4.240 - - 244 43.006 Other service activities
Jasa pendidikan 16.203 3.006 - - - 19.209 Education services
Kesenian, hiburan dan rekreasi 8.760 - - - - 8.760 Arts, entertainment and recreation
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 7.484 - - - - 7.484 and remediation activities
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 4.434 - - - - 4.434 hot and cold air
Informasi dan komunikasi 2.588 - - - 110 2.698 Information and communication
Jumlah 12.208.410 1.226.367 27.508 22.581 167.591 13.652.457 Subtotal
- 64 -
Page 676
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Pihak ketiga Third Parties
Mata uang asing (Catatan 39) Foreign currency (Note 39)
Industri pengolahan 187.709 59.551 - - - 247.260 Processing industries
Pertambangan dan penggalian 158.691 - - - - 158.691 Mining and excavation
Jumlah 346.400 59.551 - - - 405.951 Subtotal
Jumlah - pihak ketiga 12.554.810 1.285.918 27.508 22.581 167.591 14.058.408 Total - third parties
Jumlah 12.852.205 1.285.918 27.508 22.581 167.591 14.355.803 Total
Cadangan kerugian penurunan nilai (689.307) (685.786) (13.857) (11.141) (149.425) (1.549.516) Allowance for impairment losses
Jumlah - bersih 12.162.898 600.132 13.651 11.440 18.166 12.806.287 Net
2023
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah Rupiah
Aktivitas keuangan dan asuransi 114.889 - - - - 114.889 Financial and insurance activities
Rumah tangga 62.920 - - - - 62.920 Household
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 17.013 - - - - 17.013 and maintenance of cars, and motorcycles
Bukan lapangan usaha lainnya 8.518 - - - - 8.518 Not other business fields
Jumlah 203.340 - - - - 203.340 Subtotal
Mata uang asing (Catatan 39) Foreign currency (Note 39)
Rumah tangga 7.699 - - - - 7.699 Household
Jumlah - pihak berelasi 211.039 - - - - 211.039 Total - related parties
Pihak ketiga Third Parties
Rupiah Rupiah
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 7.612.726 792.573 3.031 3.834 15.203 8.427.367 and maintenance of cars, and motorcycles
Rumah tangga 2.039.953 932.892 46.881 14.242 11.192 3.045.160 Household
Aktivitas keuangan dan asuransi 978.521 - - - 166 978.687 Financial and insurance activities
Pertambangan dan penggalian 780.252 147 - - - 780.399 Mining and excavation
Informasi dan komunikasi 704.069 - - - 2.355 706.424 Information and communication
Real estate 621.342 279 - - - 621.621 Real estate
Pertanian, kehutanan dan perikanan 577.029 6.497 43 913 2.106 586.588 Agriculture, hunting and forestry
Industri pengolahan 271.134 11.275 435 437 3.089 286.370 Processing industries
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 5.706 100 4 - 147.969 153.779 and social activities
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 89.104 11.277 3.046 547 711 104.685 beverage
Pengangkutan dan pergudangan 102.366 265 - 389 4 103.024 Transport and warehousing
Konstruksi 108.939 1.636 168 252 317 111.312 Construction
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 85.882 1.817 427 - 209 88.335 and other business support
Bukan lapangan usaha lainnya 55.429 6.100 391 143 193 62.256 Not other business fields
Aktivitas profesional, ilmiah, dan teknis 36.254 - - - 57 36.311 Professional, scientific and technical activity
Aktivitas jasa lainnya 18.426 524 873 16 311 20.150 Other service activities
Jasa pendidikan 14.837 5 - - 36 14.878 Education services
Kesenian, hiburan dan rekreasi 4.443 1 - - - 4.444 Arts, entertainment and recreation
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 3.100 - - - - 3.100 hot and cold air
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 2.776 - - - 14 2.790 and remediation activities
Jumlah 14.112.288 1.765.388 55.299 20.773 183.932 16.137.680 Subtotal
Mata uang asing (Catatan 39) Foreign currency (Note 39)
Industri pengolahan 225.450 66.207 - - - 291.657 Processing industries
Pertambangan dan penggalian 231.070 - - - - 231.070 Mining and excavation
Jumlah 456.520 66.207 - - - 522.727 Subtotal
Jumlah - pihak ketiga 14.568.808 1.831.595 55.299 20.773 183.932 16.660.407 Total - third parties
Jumlah 14.779.847 1.831.595 55.299 20.773 183.932 16.871.446 Total
Cadangan kerugian penurunan nilai (786.982) (696.858) (25.782) (10.057) (166.567) (1.686.246) Allowance for impairment losses
Jumlah - bersih 13.992.865 1.134.737 29.517 10.716 17.365 15.185.200 Net
c. Jangka Waktu c. By Maturity
Jangka waktu kredit dan piutang/ The classifications of loans and
pembiayaan syariah diklasifikasikan receivables/sharia financing based on
berdasarkan periode sebagaimana yang contractual maturity, as stated in the
tercantum dalam perjanjian dan waktu yang agreements, and based on remaining
tersisa sampai dengan saat jatuh temponya: maturity are as follows:
- 65 -
Page 677
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berdasarkan Periode Perjanjian Kredit: Based on Contractual Maturity:
2024 2023
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 3.512.929 1.981.350 1 year or less
Lebih dari 1 - 2 tahun 3.377.030 5.253.216 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 3.968.235 4.985.425 More than 2 years until 5 years
Lebih dari 5 tahun 3.083.610 4.121.029 More than 5 years
Jumlah 13.941.804 16.341.020 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Kurang dari atau sama dengan 1 tahun 4.569 170 1 year or less
Lebih dari 1 - 2 tahun 30.581 33.123 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 218.242 277.335 More than 2 years until 5 years
Lebih dari 5 tahun 160.607 219.798 More than 5 years
Jumlah 413.999 530.426 Subtotal
Jumlah 14.355.803 16.871.446 Total
Cadangan kerugian penurunan nilai (1.549.516) (1.686.246) Allowance for impairment losses
Jumlah - bersih 12.806.287 15.185.200 Net
Berdasarkan Sisa Umur Jatuh Tempo: Based on Remaining Period until Maturity:
2024 2023
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 7.578.049 6.362.940 1 year or less
Lebih dari 1 - 2 tahun 1.516.774 4.061.958 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 3.882.157 3.299.418 More than 2 years until 5 years
Lebih dari 5 tahun 964.824 2.616.704 More than 5 years
Jumlah 13.941.804 16.341.020 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Kurang dari atau sama dengan 1 tahun 12.616 33.293 1 year or less
Lebih dari 1 - 2 tahun 181.224 46.265 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 59.552 231.070 More than 2 years until 5 years
Lebih dari 5 tahun 160.607 219.798 More than 5 years
Jumlah 413.999 530.426 Subtotal
Jumlah 14.355.803 16.871.446 Total
Cadangan kerugian penurunan nilai (1.549.516) (1.686.246) Allowance for impairment losses
Jumlah - bersih 12.806.287 15.185.200 Net
d. Suku bunga/bagi hasil per tahun atas kredit d. Interest rates/profit sharing per annum on
diberikan dan piutang/pembiayaan syariah loans and receivables/sharia financing are as
adalah sebagai berikut: follows:
2024 2023
% %
Rupiah 0,00 - 37,42 0,00 - 37,42 Rupiah
Dolar Amerika Serikat 0,95 - 10,00 0,95 - 10,00 United States Dollar
e. Jumlah kredit yang dijamin dengan jaminan e. Loans collateralized by cash collateral as of
tunai pada tanggal 31 Desember 2024 dan December 31, 2024 and 2023 amounted to
2023 masing-masing sebesar Rp470.681 Rp470,681 and Rp226,687, respectively.
dan Rp226.687.
f. Saldo kredit channeling pada tanggal f. The balance of the loan channeling credit as
31 Desember 2024 dan 2023 masing- of December 31, 2024 and 2023, amounted
masing adalah sebesar Rp166.800 dan to Rp166,800 and Rp54,605 respectively, of
Rp54.605, dimana sebesar Rp156.719 dan which Rp156,719 and Rp38,965 from the
Rp38.965 dari saldo kredit channeling credit balance of joint financing is channeled
disalurkan melalui pihak berelasi (Catatan through Related Parties (Note 37).
37).
- 66 -
Page 678
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
g. Saldo kredit joint financing pada tanggal g. The balance of the joint financing credit as of
31 Desember 2024 dan 2023 masing- December 31, 2024 and 2023 amounted to
masing adalah sebesar Rp2.043.036 dan Rp2,043,036 and Rp2,862,913, respectively,
Rp2.862.913, dimana sebesar Rp1.796.958 of which Rp1,796,958 and Rp2,586,684 from
dan Rp2.586.684 dari saldo kredit joint the credit balance of joint financing is
financing disalurkan melalui pihak berelasi channeled through related parties (Note 37).
(Catatan 37).
h. Kredit yang diberikan kepada karyawan h. Loans to employees represent distributed
merupakan kredit untuk membeli loans for purchases of cars, houses and
kendaraan, rumah dan keperluan lainnya other necessities with 0%-12% interest rate
yang dibebani bunga 0%-12% untuk kredit for loans with term below 1 year and 0%-
dibawah 1 tahun dan 0%-24,43% untuk 24.43% per annum for loan with terms
kredit antara 1 sampai dengan 10 tahun. ranging between 1 to 10 years.
i. Kredit yang direstrukturisasi sesuai dengan i. Restructured loans in accordance with the
Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation are
diungkapkan pada Catatan 50e. disclosed in Note 50e.
j. Saldo kredit dan piutang/pembiayaan j. The collectibility classification of loans and
syariah pada tanggal 31 Desember 2024 receivables/sharia financing as of
dan 2023 berdasarkan klasifikasi December 31, 2024 and 2023 follows:
kolektibilitas adalah sebagai berikut:
2024
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Rupiah Rupiah
Pihak berelasi (Catatan 37) 289.347 - - - - 289.347 Related parties (Note 37)
Pihak ketiga 12.208.410 1.226.367 27.508 22.581 167.591 13.652.457 Third parties
Jumlah 12.497.757 1.226.367 27.508 22.581 167.591 13.941.804 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pihak berelasi (Catatan 37) 8.048 - - - - 8.048 Related parties (Note 37)
Pihak ketiga 346.400 59.551 - - - 405.951 Third parties
Jumlah 354.448 59.551 - - - 413.999 Subtotal
Jumlah 12.852.205 1.285.918 27.508 22.581 167.591 14.355.803 Total
2023
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Rupiah Rupiah
Pihak berelasi (Catatan 37) 203.340 - - - - 203.340 Related parties (Note 37)
Pihak ketiga 14.112.288 1.765.388 55.299 20.773 183.932 16.137.680 Third parties
Jumlah 14.315.628 1.765.388 55.299 20.773 183.932 16.341.020 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pihak berelasi (Catatan 37) 7.699 - - - - 7.699 Related parties (Note 37)
Pihak ketiga 456.520 66.207 - - - 522.727 Third parties
Jumlah 464.219 66.207 - - - 530.426 Subtotal
Jumlah 14.779.847 1.831.595 55.299 20.773 183.932 16.871.446 Total
- 67 -
Page 679
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
k. Kredit yang bermasalah berdasarkan sektor k. Non-performing loans based on economic
ekonomi. Rasio kredit bermasalah Bank sector. The non-performing loans ratio of The
sesuai dengan peraturan Otoritas Jasa Bank’s in accordance with the Financial
Keuangan diungkapkan pada Catatan 50e. Services Authority Regulation are disclosed
in Note 50e.
l. Mutasi cadangan kerugian penurunan nilai l. The changes in allowance for impairment
kredit adalah sebagai berikut: losses on loans are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 347.689 347.364 53.952 937.241 1.686.246 Beginning balance
Saldo awal kerugian kredit ekspektasian Beginning balance of expected
pada fasilitas kredit yang belum ditarik 6.479 33 54 - 6.566 credit losses on undrawn facilities
Aset keuangan yang baru diperoleh 108.194 - - - 108.194 Recenlty acquired financial assets
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali 7.897 (21.706) (110.842) (13.205) (137.856) and reamesurement
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12-month expected credit
(Tahap 1) 11.506 (48.998) (3.535) - (41.027) losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang umurnya Transfer to lifetime expected credit
(Tahap 2) (39.880) 124.146 (32.450) - 51.816 losses (Stage 2)
Transfer ke penurunan kredit Transfer to credit impairment
(Tahap 3) (137.446) (90.768) 301.274 - 73.060 losses (Stage 3)
Penghapusbukuan selama
periode berjalan - - (40.419) (148.558) (188.977) Write-off during the period
Selisih kurs (23) - - - (23) Exchange difference rate
Saldo akhir kerugian kredit ekspektasian Expected credit losses on
pada fasilitas kredit yang belum ditarik (8.471) (5) (7) - (8.483) undistributed credit facilities
Saldo akhir 295.945 310.066 168.027 775.478 1.549.516 Ending Balance
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 105.916 326.469 859.110 829.630 2.121.125 Beginning balance
Saldo awal kerugian kredit ekspektasian Beginning balance of expected
pada fasilitas kredit yang belum ditarik 11.298 32 22 - 11.352 credit losses on undrawn facilities
Aset keuangan yang baru diperoleh 59.086 26 - 59.112 Recenlty acquired financial assets
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali 232.257 14.875 87.885 118.034 453.051 and reamesurement
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12-month expected credit
(Tahap 1) 15.356 (63.569) (12.110) - (60.323) losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang umurnya Transfer to lifetime expected credit
(Tahap 2) (69.740) 208.812 (36.559) - 102.513 losses (Stage 2)
Transfer ke penurunan kredit Transfer to credit impairment
(Tahap 3) (1) (139.248) 254.069 - 114.820 losses (Stage 3)
Penghapusbukuan selama
periode berjalan - - (1.210.245) (10.423) (1.220.668) Write-off during the period
Selisih kurs (4) 111.834 - 111.830 Exchange difference rate
Saldo akhir kerugian kredit ekspektasian Expected credit losses on
pada fasilitas kredit yang belum ditarik (6.479) (33) (54) - (6.566) undistributed credit facilities
Saldo akhir 347.689 347.364 53.952 937.241 1.686.246 Ending Balance
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai untuk impairment losses on loans is adequate to
kredit yang diberikan adalah cukup untuk cover the losses which might arise from
menutup kemungkinan kerugian yang akan uncollectible loans.
timbul akibat tidak tertagihnya kredit yang
diberikan tersebut.
- 68 -
Page 680
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
m. Mutasi kredit yang dihapus buku selama m. The movement of loans written-off during the
periode 31 Desember 2024 dan 2023 period of December 31, 2024 and 2023 are
adalah sebagai berikut: follows:
2024 2023
Mata Uang Mata Uang
Asing/ Asing/
Foreign Jumlah/ Foreign Jumlah/
Rupiah currency Total Rupiah currency Total
Beginning balance at the
Saldo awal tahun 4.955.184 779.135 5.734.319 4.540.065 85.162 4.625.227 beginning year
Mutasi selama tahun berjalan Movement during the year
Penghapusan 188.977 - 188.977 525.765 694.903 1.220.668 Write-off
Penerimaan kembali (58.599) - (58.599) (78.154) - (78.154) Recovery
Hapus tagih 23.297 - 23.297 (32.492) - (32.492) Write-off charges
Selisih kurs penjabaran - (24.037) (24.037) - (930) (930) Exchange rate difference
Saldo akhir 5.108.859 755.098 5.863.957 4.955.184 779.135 5.734.319 Ending balance
n. Jaminan pemberian kredit umumnya berupa n. Loan collaterals are generally in the form of
tanah, bangunan, mesin, persediaan dan land, buildings, machinery, inventories and
deposito berjangka. time deposits.
o. Rasio kredit usaha kecil terhadap jumlah o. The ratios of small business loans to total
kredit yang diberikan pada tanggal 31 loans at December 31, 2024 and 2023 are
Desember 2024 dan 2023 adalah masing- 8.16% and 5.80%, respectively.
masing sebesar 8,16% dan 5,80%.
10. Tagihan dan Liabilitas Akseptasi 10. Acceptances Receivable and Payable
Tagihan Akseptasi Acceptances Receivable
a. Berdasarkan jangka waktu perjanjian: a. By term of agreements:
2024 2023
Rupiah Rupiah
1 bulan atau kurang 6.911 7.946 1 month or less
1-3 bulan 471 12.779 1-3 months
3-6 bulan - 9.066 3-6 months
Jumlah 7.382 29.791 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
1-3 bulan 30.762 40.721 1-3 months
3-6 bulan - 9.352 3-6 months
Jumlah 30.762 50.073 Total
Jumlah 38.144 79.864 Total
Cadangan kerugian penurunan nilai (15) (1.560) Allowance for impaiment losses
Jumlah - bersih 38.129 78.304 Total - net
b. Berdasarkan sisa umur sampai dengan saat b. Based on remaining maturity:
jatuh tempo:
2024 2023
Rupiah Rupiah
1 bulan atau kurang 6.911 18.978 1 month or less
1-3 bulan 471 10.813 1-3 months
Jumlah 7.382 29.791 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
1 bulan atau kurang 22.227 32.282 1 month or less
1-3 bulan 8.535 17.791 1-3 months
Jumlah 30.762 50.073 Total
Jumlah 38.144 79.864 Total
Cadangan kerugian penurunan nilai (15) (1.560) Allowance for impaiment losses
Jumlah - bersih 38.129 78.304 Total - net
- 69 -
Page 681
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Kolektibilitas tagihan dan liabilitas akseptasi c. Collectibility acceptance receivables and
sesuai Peraturan Otoritas Jasa Keuangan payable in accordance with Financial
diungkapkan pada Catatan 50f. Services Authority Regulation are disclosed
in Note 50f.
d. Perubahan cadangan kerugian penurunan d. The changes in allowance for impairment
nilai tagihan akseptasi adalah sebagai losses on acceptances receivable are as
berikut: follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 1.560 - - 1.560 of the year
Pemulihan tahun berjalan (1.545) (1.545) Reversal for current year
Saldo akhir periode 15 - - 15 Balance at the end of the year
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 593 - - 593 of the year
Pembentukan tahun berjalan 967 967 Provision of current year
Saldo akhir tahun 1.560 - - 1.560 Balance at the end of the year
e. Manajemen berpendapat bahwa jumlah e. Management believes that the allowance for
cadangan kerugian penurunan nilai untuk impairment losses on acceptances
tagihan akseptasi pada tanggal 31 receivable as at December 31, 2024 and
Desember 2024 dan 2023 adalah cukup 2023 is adequate to cover the losses which
untuk menutup kemungkinan kerugian yang might arise from uncollectible acceptances
akan timbul akibat tidak tertagihnya tagihan receivable.
akseptasi tersebut.
Liabilitas Akseptasi Acceptances Payable
a. Berdasarkan jangka waktu perjanjian: a. By term of agreements:
2024 2023
Rupiah Rupiah
1 bulan atau kurang 6.911 7.948 1 month or less
1-3 bulan 471 12.784 1-3 months
3-6 bulan - 9.066 3-6 months
Jumlah 7.382 29.798 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
1-3 bulan 30.778 40.730 1-3 months
3-6 bulan - 9.352 3-6 months
Jumlah 30.778 50.082 Total
Jumlah 38.160 79.880 Total
b. Berdasarkan sisa umur sampai dengan saat b. Based on remaining maturity:
jatuh tempo:
2024 2023
Rupiah Rupiah
1 bulan atau kurang 6.911 18.981 1 month or less
1-3 bulan 471 10.817 1-3 months
Jumlah 7.382 29.798 Total
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
1 bulan atau kurang 22.237 32.291 1 month or less
1-3 bulan 8.541 17.791 1-3 months
Jumlah 30.778 50.082 Total
Jumlah 38.160 79.880 Total
- 70 -
Page 682
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. Pendapatan yang masih akan diterima 11. Accrued Income
Pendapatan yang masih akan diterima Accrued income consist of interest and profit
merupakan piutang bunga dan piutang bagi hasil sharing of sharia financing receivables.
pembiayaan syariah.
2024 2023
Piutang Bunga Interest Receivables
Efek-efek 235.291 255.131 Securities
Kredit 35.060 45.356 Loans
Penempatan pada bank lain 2.623 92 Placements with other banks
Jumlah 272.974 300.579 Total
Piutang Syariah Sharia Receivables
Piutang dan pembiayaan syariah 15.384 22.651 Sharia receivables and sharia financing
Efek-efek 116.733 3.521 Securities
Jumlah 132.117 26.172 Total
Jumlah 405.091 326.751 Total
12. Biaya Dibayar Dimuka 12. Prepaid Expenses
2024 2023
Asuransi 331.165 689.983 Insurance
Pemeliharaan perangkat lunak dan keras 116.482 102.252 Software and hardware maintenance
Promosi dan pengembangan usaha 67.490 54.443 Promotion and operating development
Sewa 22.820 19.912 Rental
Program kepemilikan kendaraan karyawan 20.993 2.402 Vehicle ownership program
Renovasi cabang baru 14.859 16.282 New branches renovation costs
Jasa produksi 17.034 - Production service
Lain-lain 21.134 36.674 Others
Jumlah 611.977 921.948 Total
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, prepaid
asuransi dibayar dimuka termasuk asuransi insurance includes insurance credit from
kredit kepada PT Asuransi Simas Insurtech, PT Asuransi Simas Insurtech, a related party,
pihak berelasi masing-masing sebesar amounting to Rp290,301 and Rp638,661,
Rp290.301 dan Rp638.661, dengan masa respectively, with benefits until November 15,
manfaat sampai dengan 15 November 2025. 2025.
Asuransi dibayar dimuka diamortisasi selama Prepaid insurance is amortized over the period
masa manfaat dengan menggunakan metode benefited using the straight-line method.
garis lurus.
- 71 -
Page 683
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. Aset Tetap dan Aset Hak Guna 13. Fixed Assets and Right of Use Assets
Aset tetap terdiri dari: Fixed assets consist of the following:
Perubahan selama tahun berjalan/
Changes during the year
1 Januari/ 31 Desember/
January 1, Penambahan/ Pengurangan/ December 31,
2024 Additions Deductions 2024
Kepemilikan langsung: Direct ownership:
Nilai revaluasian: Revalued amount:
Tanah 387.034 - - 387.034 Land
Bangunan 265.685 1.512 - 267.197 Buildings
Biaya perolehan: At cost:
Inventaris kantor 2.071.605 151.352 (37.243) 2.185.714 Office equipment
Kendaraan bermotor 18.628 224 (1.571) 17.281 Vehicles
Subtotal 2.742.952 153.088 (38.814) 2.857.226 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 342.832 77.920 - 420.752 Buildings
Kendaraan 151.801 24.426 (6.069) 170.158 Vehicles
Subtotal 494.633 102.346 (6.069) 590.910 Subtotal
Jumlah 3.237.585 255.434 (44.883) 3.448.136 Total
Akumulasi penyusutan Accumulated depreciation
Nilai revaluasian: Revalued amount:
Bangunan 15.485 30.305 - 45.790 Buildings
Biaya perolehan: At cost:
Inventaris kantor 1.251.231 159.849 (30.984) 1.380.096 Office equipment
Kendaraan bermotor 20.680 285 (1.428) 19.537 Vehicles
Subtotal 1.287.396 190.439 (32.412) 1.445.423 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 264.737 78.369 - 343.106 Buildings
Kendaraan 79.377 26.356 (1.889) 103.844 Vehicles
Subtotal 344.114 104.725 (1.889) 446.950 Subtotal
Jumlah 1.631.510 295.164 (34.301) 1.892.373 Total
Nilai Tercatat 1.606.075 1.555.763 Net Book Value
Perubahan selama tahun berjalan/
Changes during the year
Eliminasi Akumulasi
1 Januari/ Penyusutan/ 31 Desember/
January 1, Penambahan/ Pengurangan/ Estimated Accumulated Surplus Revaluasi/ Penyesuaian/ December 31,
2023 Additions Deductions Depreciation Revaluation Surplus Adjustment 2023
Kepemilikan langsung: Direct ownership:
Nilai revaluasian: Revalued amount:
Tanah 372.579 - - - 14.455 - 387.034 Land
Bangunan 255.822 1.899 - (58.867) 71.920 (5.089) 265.685 Buildings
Biaya perolehan: At cost:
Inventaris kantor 1.910.812 164.587 (3.794) - - - 2.071.605 Office equipment
Kendaraan bermotor 19.735 203 (1.310) - - - 18.628 Vehicles
Subtotal 2.558.948 166.689 (5.104) (58.867) 86.375 (5.089) 2.742.952 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 254.173 88.659 - - - - 342.832 Buildings
Kendaraan 124.357 28.933 (1.489) - - - 151.801 Vehicles
Subtotal 378.530 117.592 (1.489) - - - 494.633 Subtotal
Jumlah 2.937.478 284.281 (6.593) (58.867) 86.375 (5.089) 3.237.585 Total
Akumulasi penyusutan Accumulated depreciation
Nilai revaluasian: Revalued amount:
Bangunan 51.641 22.711 - (58.867) - - 15.485 Buildings
Biaya perolehan: At cost:
Inventaris kantor 1.099.480 155.286 (3.535) - - - 1.251.231 Office equipment
Kendaraan bermotor 21.672 318 (1.310) - - - 20.680 Vehicles
Subtotal 1.172.793 178.315 (4.845) (58.867) - - 1.287.396 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 200.622 64.115 - - - - 264.737 Buildings
Kendaraan 55.860 24.814 (1.297) - - - 79.377 Vehicles
Subtotal 256.482 88.929 (1.297) - - - 344.114 Subtotal
Jumlah 1.429.275 267.244 (6.142) (58.867) - - 1.631.510 Total
Nilai Tercatat 1.508.203 1.606.075 Net Book Value
- 72 -
Page 684
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jumlah beban penyusutan yang dibebankan Depreciation expense charged to profit or loss as
pada laba rugi pada tanggal 31 Desember 2024 of December 31, 2024 and 2023 amounted to
dan 2023 masing-masing sebesar Rp295.164 Rp295,164 and Rp267,244, respectively.
dan Rp267.244.
Jumlah pengeluaran kas untuk sewa selama Total cash disbursements for lease during the
periode yang berakhir pada tanggal year ended December 31, 2024 and 2023
31 Desember 2024 dan 2023 masing-masing amounted to Rp117,903 and Rp111,120,
sebesar Rp117.903 dan Rp111.120. respectively.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the Group
Grup menjual aset tetapnya dengan nilai tercatat sold its property and equipment with a net book
masing-masing sebesar Rp77 dan Rp130 pada value of Rp77 and Rp130, at a selling price of
harga jual masing-masing sebesar Rp767 dan Rp767 and Rp824, respectively. The related gain
Rp824. Keuntungan bersih penjualan aset tetap on sale of property and equipment is recognized
tersebut dibukukan pada akun Pendapatan in Other Operating Revenue (Note 33).
Operasional Lainnya (Catatan 33).
Pada tanggal dan 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, property and
Perusahaan menghapus aset tetap dengan nilai equipment with a net book value of Rp66 and
tercatat Rp66 dan Rp129. Kerugian atas Rp129, had been written-off. Losses on the write-
penghapusan aset tetap tersebut dibukukan off of property and equipment is recognized in
pada akun Beban Operasional Lainnya Other Operating Expenses account (Note 34).
(Catatan 34).
Pada tanggal 31 Desember 2024 dan 2023, aset As of December 31, 2024 and 2023, the Group's
tetap Grup, kecuali tanah, diasuransikan property and equipment, except land, are insured
terhadap risiko kebakaran, gempa bumi, huru- against fire, earthquake, riots, theft and other risks
hara, pencurian dan risiko lainnya pada PT with PT Asuransi Sinar Mas, a related party, for
Asuransi Sinar Mas, pihak berelasi, dengan nilai Rp917,905 and Rp963,472, respectively (Note
pertanggungan masing-masing sebesar 37). Management believes that the insurance
Rp917.905 dan Rp963.472 (Catatan 37). coverage is adequate to cover possible losses on
Manajemen berpendapat bahwa nilai the assets insured.
pertanggungan tersebut cukup untuk menutup
kemungkinan kerugian atas aset yang
dipertanggungkan.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
terdapat komitmen kontraktual dalam perolehan contractual commitments in the acquisition of
aset tetap. property and equipment.
Manajemen telah mengkaji ulang atas estimasi Management has reviewed the estimated
umur ekonomis, metode penyusutan, dan nilai economic life, depreciation method, and residual
residu pada setiap akhir periode pelaporan. value at the end of each reporting period.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
terdapat perubahan estimasi masa manfaat changes on the estimated useful life and/or the
dan/atau metode penyusutan aset tetap. method of depreciation of property and
equipment.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
ada aset tetap Perusahaan yang ditempatkan property and equipment used as collateral.
sebagai jaminan.
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no impairment
penurunan nilai atas aset tetap tersebut pada in value of the aforementioned assets as of
tanggal 31 Desember 2024 dan 2023. December 31, 2024 and 2023.
- 73 -
Page 685
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
terdapat aset tetap yang tidak dipakai property and equipment that are not used
sementara. temporarily.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
terdapat aset tetap yang berasal dari hibah. property and equipment that come from grants.
Pada tanggal 31 Desember 2024 dan 2023, tidak As of December 31, 2024 and 2023, there are no
terdapat aset tetap yang dihentikan dari property and equipment that have been
penggunaan aktif dan diklasifikasikan sebagai discontinued from active use and are classified as
dimiliki untuk dijual. held for sale.
Pada tanggal 31 Desember 2024 dan 2023, aset As of December 31, 2024 and 2023, the Group’s
tetap Grup dengan nilai perolehan Rp591.509 property and equipment with acquisition cost of
dan Rp513.408 telah disusutkan penuh, namun Rp591,509 and Rp513,408 has been fully
masih digunakan untuk menunjang operasional depreciated, but is still being used to support the
grup. Group’s operations.
Tanah dan bangunan Grup direvaluasi dengan The Group’s land and buildings are revalued
menggunakan saldo tanggal 11 Juli 2023, using the balance as of July 11, 2023, based on
dengan laporan penilai dari KJPP Firmansyah & appraisal report of KJPP Firmansyah dan Rekan,
Rekan, penilai independen, dengan laporan independent valuers, with report No. 00787/
No. 00787/2.0115-00/PI/07/0249/1/VII/2023 2.0115-00/PI/07/0249/1/VII/2023 dated August
tanggal 18 Agustus 2023 yang telah 18, 2023, which was signed by Firmansyah
ditandatangani oleh Firmansyah, S.T.MAPPI S.T.MAPPI (Cert). Fair value has been
(Cert). Penilaian ditentukan menggunakan determined as described in Note 14. The
metode sebagaimana dijelaskan pada Catatan revaluation surplus was credited to “Other equity
14. Surplus revaluasi dikreditkan pada akun components” in the statements of changes in
“Komponen ekuitas lainnya” dalam laporan equity.
perubahan ekuitas.
Jika tanah dan bangunan dinyatakan pada If land and buildings were stated on the historical
metode biaya, nilai tercatat akan menjadi: cost basis, the amount would be as follows:
2024 2023
Biaya perolehan 602.560 601.049 Cost
Akumulasi penyusutan (169.942) (159.645) Accumulated depreciation
Nilai tercatat 432.618 441.404 Net book value
14. Nilai Wajar Aset Non Keuangan 11.
14. Fair Value of Non - Financial Assets
2024 2023
Pengukuran nilai wajar berulang Recurring fair value measurements
Land and buildings (under property and
Tanah dan bangunan (aset tetap) 652.720 652.720 equipment)
Pengukuran nilai wajar berulang aset non The fair value measurement for recurring non-
keuangan termasuk dalam Level 2 hierarki nilai financial assets falls within Level 2 of the fair
wajar sebagaimana dijelaskan pada Catatan 2. value hierarchy as outlined in Note 2.
Informasi tentang pengukuran nilai wajar yang The information about fair value measurements
menggunakan input signifikan yang tidak dapat using significant unobservable input (Level 2) are
diobservasi (Level 2) adalah sebagai berikut: as follows:
Keterangan/Description Teknik penilaian/Valuation technique
Aset tetap (tanah dan bangunan)/ Metode perbandingan data pasar dengan
Property and equipment (land and penyesuaian faktor yang dianggap relevan/
buildings) Market-comparable approach with
adjustments for relevant factors
- 74 -
Page 686
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tanah dan bangunan telah dinilai oleh penilai Land and buildings have been revalued by
independen. independent appraiser.
Seluruh aset dimanfaatkan pada penggunaan All assets are used based on their highest and
tertinggi dan terbaiknya. best use.
Surplus revaluasi tanah dan bangunan dalam Revaluation surplus of land and buildings in
Catatan 13 mencerminkan keuntungan belum Note 13 represent gain recognized in other
direalisasi yang diakui pada penghasilan comprehensive income.
komprehensif lain.
15. Aset Ijarah 15. Ijarah Assets
Akun ini merupakan obyek sewa dari transaksi This account represents objects of the Ijarah
Ijarah Muntahiyah Bittamlik dengan opsi Muntahiyah Bittamlik lease transactions with an
perpindahan hak milik obyek sewa dengan option to transfer the object property being leased
hibah. by the grant.
Perubahan selama tahun berjalan/
Changes during the year
Pengalihan pada
akhir masa akad/
Transfer of the
1 Januari/ Penambahan/ lease at end 31 Desember/
January 1, 2024 Additions of contract December 31, 2024
Biaya perolehan 503.469 201.750 (344.473) 360.746 Cost
Akumulasi penyusutan 119.251 293.423 (344.473) 68.202 Accumulated depreciation
Nilai tercatat 384.218 (91.673) - 292.544 Net book value
Perubahan selama tahun berjalan/
Changes during the year
Pengalihan pada
akhir masa akad/
Transfer of the
1 Januari/ Penambahan/ lease at end 31 Desember/
January 1, 2023 Additions of contract December 31, 2023
Biaya perolehan 485.505 85.805 (67.841) 503.469 Cost
Akumulasi penyusutan 87.886 99.206 (67.841) 119.251 Accumulated depreciation
Nilai tercatat 397.619 (13.401) - 384.218 Net book value
16. Aset Lain-lain - Bersih 16. Other Assets - Net
2024 2023
Uang muka pembelian aset 137.321 185.930 Advances for purchase of assets
Agunan yang diambil-alih 116.413 125.621 Foreclosed assets
Tagihan sehubungan dengan ATM bersama 48.792 72.841 Receivables related to ATM bersama
Setoran jaminan 35.670 35.747 Security deposits
Barang cetakan dan materai 30.572 17.104 Printing materials and stamp duty
Tagihan komisi asuransi 23.260 20.825 Insurance commission receivables
Uang muka renovasi gedung kantor 22.743 17.583 Advances for building renovation
Tagihan subsidi Pemerintah 12.099 12.169 Government subsidy receivable
Tagihan sehubungan dengan transaksi QR 3.331 7.402 Receivables related to QR Transaction
Tagihan derivatif 1.855 27.502 Derivative receivables
Tagihan sehubungan dengan jaringan Receivables related to principal network
principal kartu kredit 474 616 credit card
Pajak dibayar dimuka 184 223 Prepaid tax
Lain-lain 23.097 20.461 Others
Jumlah 455.811 544.024 Subtotal
Cadangan kerugian penurunan nilai (80.384) (88.120) Allowance for impairment losses
Jumlah - bersih 375.427 455.904 Net
- 75 -
Page 687
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2024 dan 2023, nilai As of December 31, 2024 and 2023, the carrying
tercatat agunan yang diambil-alih adalah value of foreclosed properties amounted
masing-masing sebesar Rp36.029 dan Rp36,029 and Rp37,501, respectively, after
Rp37.501, setelah dikurangi dengan cadangan allowance for impairment losses amounting to
kerugian penurunan nilai masing-masing Rp80,384 and Rp88,120, respectively.
sebesar Rp80.384 dan Rp88.120.
Kolektibilitas agunan yang diambil alih sesuai Collectibility of foreclosed collaterals in
dengan Peraturan Otoritas Jasa Keuangan accordance with Financial Services Authority
diungkapkan pada Catatan 50i. Regulations are disclosed in Note 50i.
Mutasi cadangan kerugian penurunan nilai aset Movements in allowance for impairment losses –
lain–lain adalah sebagai berikut: other assets are as follows:
2024 2023
Saldo awal tahun 88.120 247.959 Beginning balance of the year
Pemulihan tahun berjalan (7.736) (159.839) Reversal for current year
Saldo akhir tahun 80.384 88.120 Ending balance of the year
Rincian transaksi derivatif atas swap mata uang Details of derivative transaction on foreign
asing pada tanggal 31 Desember 2024 dan 2023 currency swaps as of December 31, 2024 and
adalah sebagai berikut: 2023 are as follows:
2024
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Pihak berelasi Related parties
Mata uang asing Foreign currency
Transaksi swap : Swap transaction:
PT Smart Tbk 38.989 (902) 10 (912) PT Smart Tbk
Transaksi domestic non Domestic non deliverable
deliverable forward: forward transaction:
PT Smart Tbk 283 (20) - (20) PT Smart Tbk
Pihak ketiga Third parties
Mata uang asing Foreign currency
Transaksi spot : Spot transaction:
Bank of China 225.757 (497) 239 (736) Bank of China
PT Bank KB Bukopin Tbk 97.402 408 408 - PT Bank KB Bukopin Tbk
PT Bank KEB Hana Indonesia 64.816 211 211 - PT Bank KEB Hana Indonesia
PT Bank BTPN Tbk 48.756 231 231 - PT Bank BTPN Tbk
PT Bank JTrust Indonesia Tbk 48.632 167 167 - PT Bank JTrust Indonesia Tbk
PT Bank Permata Tbk 48.626 166 166 - PT Bank Permata Tbk
Bank Shinhan Indonesia 32.454 129 129 - Bank Shinhan Indonesia
PT Bank Central Asia Tbk 32.404 104 104 - PT Bank Central Asia Tbk
PT Bank Victoria International Tbk 16.262 82 82 - PT Bank Victoria International Tbk
PT Bank Ganesha Tbk 16.236 68 68 - PT Bank Ganesha Tbk
PT Bank Maybank Indonesia Tbk 16.180 40 40 - PT Bank Maybank Indonesia Tbk
Deutsche Bank 16.090 (78) - (78) Deutsche Bank
Total 109 1.855 (1.746) Total
- 76 -
Page 688
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Pihak berelasi Related parties
Mata uang asing Foreign currency
Transaksi swap : Swap transaction:
PT Berau Coal 1.895.727 23.564 23.869 (305) PT Berau Coal
PT Smart Tbk 23.829 199 199 - PT Smart Tbk
PT Artha Cipta Langgeng 13.714 109 109 - PT Artha Cipta Langgeng
Transaksi domestic non Domestic non deliverable
deliverable forward: forward transaction:
PT Sinarmas Sekuritas 154.344 (506) 400 (906) PT Sinarmas Sekuritas
PT Sinarmas Asset Management 30.878 (332) - (332) PT Sinarmas Asset Management
Pihak ketiga Third parties
Mata uang asing Foreign currency
Transaksi swap : Swap transaction:
Citibank N.A. 153.951 (559) - (559) Citibank N.A.
PT Bank Permata Tbk 76.975 (280) - (280) PT Bank Permata Tbk
Transaksi spot : Spot transaction:
Citibank N.A. 154.169 87 102 (15) Citibank N.A.
Deutsche Bank 123.157 (298) - (298) Deutsche Bank
PT Bank KB Bukopin Tbk 92.532 73 73 - PT Bank KB Bukopin Tbk
Bank Pan Indonesia Tbk 77.211 111 111 - Bank Pan Indonesia Tbk
PT Bank KEB Hana 76.973 (77) 19 (96) PT Bank KEB Hana
PT Bank CTBC indonesia 61.655 32 32 - PT Bank CTBC indonesia
Bank of China 53.976 (13) 45 (58) Bank of China
MUFG Bank, Ltd 46.279 43 43 - MUFG Bank, Ltd
PT Indonesia
Bank Mega1906
Tbk Tbk 30.909 57 57 - PT Indonesia
Bank Mega1906
Tbk Tbk
PT Bank Permata Tbk 30.865 35 35 - PT Bank Permata Tbk
PT (Persero)
Bank ArthaTbk
Graha International Tbk 30.855 30 30 - PT (Persero)
Bank ArthaTbk
Graha International Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Barat dan Banten, Tbk 30.789 (51) - (51) Jawa Barat dan Banten, Tbk
PT Bank Multi Artha Sentosa 23.202 53 53 - PT Bank Multi Artha Sentosa
PT Bank Negara Indonesia (Persero) Tbk 15.446 24 24 - PT Bank Negara Indonesia (Persero) Tbk
PT Bank Central Asia Tbk 15.442 22 22 - PT Bank Central Asia Tbk
PT Bank Shinhan Indonesia 15.426 14 14 - PT Bank Shinhan Indonesia
PT Bank JTrust Indonesia Tbk 15.426 14 14 - PT Bank JTrust Indonesia Tbk
PT Bank Maybank Indonesia Tbk 15.426 14 14 - PT Bank Maybank Indonesia Tbk
Transaksi domestic non deliverable forward : Domestic non deliverable forward transaction:
PT Bank Maybank Indonesia Tbk 188.630 1.902 2.237 (335) PT Bank Maybank Indonesia Tbk
Total 24.267 27.502 (3.235) Total
Kontrak-kontrak untuk posisi 31 Desember 2024 Contracts as at December 31, 2024 and 2023
dan 2023 masing-masing jatuh tempo diantara will be matured between January 2, 2025 -
tanggal 2 Januari 2025 - 25 Maret 2025 dan March 25, 2025 and January 4, 2024,
4 Januari 2024. respectively.
17. Liabilitas Segera 17. Liabilities Immediately Payable
2024 2023
Beban akrual 79.548 60.018 Accrued expenses
Liabilitas sehubungan dengan jaringan ATM 27.083 61.935 Payable related to ATM network
Kiriman uang 24.540 19.669 Transfer checks for collection and clearing
Liabilitas jasa produksi 23.770 - Production service payable
Liabilitas pihak ketiga 5.842 - Thrid party liabilities
Liabilitas pembayaran online 4.546 8.644 Online payment payable
Titipan uang elektronik 3.708 2.881 Electronic money
Program loyalitas pelanggan 2.981 2.981 Customer loyalty program
Liabilitas administrasi kredit 2.587 6.062 Loans administration payable
Lain-lain 4.173 5.792 Others
Jumlah 178.778 167.982 Total
- 77 -
Page 689
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. Simpanan 18. Deposits
Simpanan terdiri dari: Deposits consist of the following:
2024 2023
Giro 17.314.175 14.682.168 Demand deposits
Tabungan 11.440.897 10.768.878 Saving
Deposito berjangka 9.142.343 9.691.539 Time deposit
Jumlah 37.897.415 35.142.585 Total
a. Giro terdiri atas: a. Demand deposits consist of:
2024 2023
Konvensional Conventional
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah 1.360.185 2.714.531 Rupiah
Mata uang asing (Catatan 39) 3.237.550 2.214.065 Foreign currencies (Note 39)
Jumlah 4.597.735 4.928.596 Subtotal
Pihak ketiga Third parties
Rupiah 7.994.195 6.378.756 Rupiah
Mata uang asing (Catatan 39) 3.552.758 3.276.877 Foreign currencies (Note 39)
Jumlah 11.546.953 9.655.633 Subtotal
Jumlah Konvensional 16.144.688 14.584.229 Total Conventional
Syariah Sharia
Giro Wadiah Wadiah Demand Deposits
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah 16 15 Rupiah
Mata uang asing (Catatan 39) 10 902 Foreign currencies (Note 39)
Jumlah 26 917 Subtotal
Pihak ketiga Third parties
Rupiah 1.133.242 31.761 Rupiah
Mata uang asing (Catatan 39) 36.219 65.261 Foreign currencies (Note 39)
Jumlah 1.169.461 97.022 Subtotal
Jumlah Syariah 1.169.487 97.939 Total Sharia
Jumlah 17.314.175 14.682.168 Total
2024 2023
% %
Interest rates per annum on
Suku bunga giro per tahun demand deposits
Rupiah 0,00 - 5,00 0,00 - 4,75 Rupiah
Mata uang asing 0,00 - 2,50 0,00 - 4,00 Foreign currencies
Saldo giro yang diblokir dalam rangka Demand deposit blocked to guarantee loan
jaminan kredit yang diberikan, bank garansi and the bank guarantee as of December 31,
dan letters of credit pada tanggal 2024 and 2023 amounted to Rpnil and
31 Desember 2024 dan 2023, masing- Rp33,181, respectively.
masing sebesar Rpnihil dan Rp33.181.
- 78 -
Page 690
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Tabungan terdiri atas: b. Savings deposit consists of:
2024 2023
Konvensional Conventional
Rupiah Rupiah
Pihak berelasi (Catatan 37) Related parties (Note 37)
Tabungan Sinarmas 10.370 20.918 Sinarmas Saving
Tabungan Sinarmas Gold 15.324 16.286 Sinarmas Gold Saving
Tabungan Sinarmas Diamond 75.795 43.192 Sinarmas Diamond Saving
Tabunganku 438 973 Tabunganku
Jumlah 101.927 81.369 Subtotal
Pihak ketiga Third parties
Tabungan Sinarmas 2.834.640 2.251.996 Sinarmas Saving
Tabungan Sinarmas Gold 6.568.869 5.972.979 Sinarmas Gold Saving
Tabungan Sinarmas Diamond 1.093.729 1.492.200 Sinarmas Diamond Saving
Tabunganku 648.422 766.419 Tabunganku
Jumlah 11.145.660 10.483.594 Subtotal
Jumlah Konvensional 11.247.587 10.564.963 Total Conventional
Syariah Sharia
Rupiah Rupiah
Pihak berelasi (Catatan 37) Related parties (Note 37)
Tabungan Wadiah 228 570 Wadiah Saving
Pihak ketiga Third parties
Tabungan Wadiah 189.415 201.121 Wadiah Saving
Mata uang asing (Note 39) Foreign currencies (Note 39)
Pihak berelasi (Catatan 37) Related parties (Note 37)
Tabungan Wadiah 1 1 Wadiah Saving
Pihak ketiga Third parties
Tabungan Wadiah 3.666 2.223 Wadiah Saving
Jumlah Syariah 193.310 203.915 Total Sharia
Jumlah 11.440.897 10.768.878 Total
2024 2023
% %
Interest rates per annum on
Suku bunga tabungan per tahun saving deposits
Rupiah 0,00 - 5,00 0,00 - 5,00 Rupiah
Mata uang asing 0,00 - 0,50 0,00 Foreign currencies
Pada tanggal 31 Desember 2024 dan 2023, Deposit blocked to guarantee loan and the
saldo tabungan yang diblokir dalam rangka bank guarantee as of December 31, 2024
jaminan kredit yang diberikan dan bank and 2023 amounted to Rpnil and Rp3,126,
garansi masing-masing sebesar Rpnihil dan respectively.
Rp3.126.
c. Deposito berjangka terdiri atas: c. Time deposits consist of:
2024 2023
Pihak berelasi (Catatan 37) Related parties (Notes 37)
Rupiah 915.293 603.088 Rupiah
Mata uang asing (Catatan 39) 19.080 303.676 Foreign currencies (Note 39)
Jumlah 934.373 906.764 Subtotal
Pihak ketiga Third parties
Rupiah 7.716.881 7.977.667 Rupiah
Mata uang asing (Catatan 39) 491.089 807.108 Foreign currencies (Note 39)
Jumlah 8.207.970 8.784.775 Subtotal
Jumlah 9.142.343 9.691.539 Total
- 79 -
Page 691
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Klasifikasi deposito berjangka berdasarkan The details of time deposits based on
jangka waktu adalah sebagai berikut: maturities are as follows:
Berdasarkan periode deposito berjangka: Based on contractual maturity:
2024 2023
Pihak berelasi Pihak berelasi
(Catatan 37)/ Pihak (Catatan 37)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 37) parties Total (Note 37) parties Total
Rupiah Rupiah
Kurang dari 1 bulan 99.100 369.810 468.910 91.910 1.688.536 1.780.446 Less than 1 month
1 bulan 612.514 4.297.650 4.910.164 430.803 3.541.518 3.972.321 1 month
3 bulan 30.410 1.787.390 1.817.800 61.253 1.615.560 1.676.813 3 months
6 bulan 12.268 598.407 610.675 18.122 672.520 690.642 6 months
12 bulan 161.001 440.954 601.955 1.000 445.316 446.316 12 months
Lebih dari 12 bulan - 222.670 222.670 - 14.217 14.217 More than 12 months
Jumlah 915.293 7.716.881 8.632.174 603.088 7.977.667 8.580.755 Subtotal
Mata uang asing Foreign currencies
(Catatan 39) (Note 39)
Kurang dari 1 bulan - 65.660 65.660 27.715 33.056 60.771 Less than 1 month
1 bulan 10.839 251.115 261.954 268.263 567.391 835.654 1 month
3 bulan 193 43.005 43.198 - 46.316 46.316 3 months
6 bulan - 27.679 27.679 - 29.345 29.345 6 months
12 bulan 8.048 103.628 111.676 7.698 131.000 138.698 12 months
Lebih dari 12 bulan - 2 2 - - - More than 12 months
Jumlah 19.080 491.089 510.169 303.676 807.108 1.110.784 Subtotal
Jumlah 934.373 8.207.970 9.142.343 906.764 8.784.775 9.691.539 Total
Berdasarkan sisa umur sampai dengan saat Based on remaining maturity:
jatuh tempo:
2024 2023
Pihak berelasi Pihak berelasi
(Catatan 37)/ Pihak (Catatan 37)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 37) parties Total (Note 37) parties Total
Rupiah Rupiah
1 bulan atau kurang 713.381 5.572.767 6.286.148 544.745 6.019.349 6.564.094 1 month or less
1 - 3 bulan 41.630 1.263.225 1.304.855 58.269 1.214.879 1.273.148 1 - 3 months
3 - 6 bulan 282 376.439 376.721 74 500.307 500.381 3 - 6 months
6 - 12 bulan 160.000 287.956 447.956 - 234.819 234.819 6 - 12 months
Lebih dari 12 bulan - 216.494 216.494 - 8.313 8.313 More than 12 months
Jumlah 915.293 7.716.881 8.632.174 603.088 7.977.667 8.580.755 Subtotal
Mata uang asing Foreign currencies
(Catatan 39) (Note 39)
1 bulan atau kurang 10.839 329.748 340.587 295.977 637.934 933.911 1 month or less
1 - 3 bulan 193 39.439 39.632 - 63.914 63.914 1 - 3 months
3 - 6 bulan - 23.698 23.698 - 12.840 12.840 3 - 6 months
6 - 12 bulan 8.048 98.202 106.250 7.699 92.420 100.119 6 - 12 months
Lebih dari 12 bulan - 2 2 - - - 6 - 12 months
Jumlah 19.080 491.089 510.169 303.676 807.108 1.110.784 Subtotal
Jumlah 934.373 8.207.970 9.142.343 906.764 8.784.775 9.691.539 Total
2024 2023
% %
Interest rates per annum on
Suku bunga deposito per tahun time deposits
Rupiah 0,00 - 6,75 0,00 - 6,75 Rupiah
Mata uang asing 0,00 - 4,50 0,00 - 4,50 Foreign currencies
Saldo deposito berjangka yang diblokir dalam Total time deposits which are blocked to
rangka jaminan kredit yang diberikan, bank guarantee loans, bank guarantee and letters of
garansi dan letters of credit pada tanggal credit as of December 31, 2024 and 2023,
31 Desember 2024 dan 2023, masing-masing amounted to Rp1,064,556 and Rp823,969,
adalah sebesar Rp1.064.556 dan Rp823.969. respectively.
- 80 -
Page 692
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. Simpanan dari Bank Lain 19. Deposits from Other Banks
Seluruh simpanan dari bank lain pada tanggal All deposits from other banks as of December 31,
31 Desember 2024 dan 2023 merupakan 2024 and 2023 represent deposits in the form of
simpanan dalam bentuk giro dari pihak ketiga demand deposits with third parties with details as
dengan rincian sebagai berikut: follows:
2024 2023
Konvensional Conventional
Pihak ketiga Third parties
Rupiah Rupiah
Giro 43.574 40.524 Demand deposits
Deposito berjangka 21.674 11.174 Time deposits
Call money - 275.000 Call money
Jumlah Konvensional 65.248 326.698 Total Conventional
Syariah Sharia
Pihak ketiga Third parties
Rupiah Rupiah
Giro Wadiah 1.512 747 Wadiah Demand Deposits
Jumlah 66.760 327.445 Total
2024 2023
% %
Suku bunga per tahun Interest rate per anum
Rupiah 0,20 - 4,75 0,00 - 6,27 Rupiah
20. Efek-efek yang Dijual dengan Janji beli 20. Securities Sold under Agreement to
Kembali - Pihak Ketiga Repurchased - Third Parties
Pada tanggal 31 Desember 2024, efek-efek yang As of December 31, 2024, securities sold under
dijual dengan janji beli kembali adalah sebagai agreement to repurchased are:
berikut:
2024
Tanggal
Pihak Lawan/ Jenis/ Jangka waktu/ jatuh tempo/ Nilai bersih/
Counterparty Type Term Due Date Net value
Rupiah
PT Bank Rakyat Indonesia (Persero) Tbk FR0087 28 hari/days 9 Januari/January 9, 2025 462.622
PT Bank Rakyat Indonesia (Persero) Tbk FR0087 28 hari/days 7 Januari/January 7, 2025 184.965
PT Bank Negara Indonesia (Persero) Tbk FR0087 28 hari/days 6 Januari/January 6, 2025 231.868
Jumlah/Total 879.455
2023
Tanggal
Pihak Lawan/ Jenis/ Jangka waktu/ jatuh tempo/ Nilai bersih/
Counterparty Type Term Due Date Net value
Rupiah
Bank BPD Jatim FR0087 7 hari/days 5 Januari/January 5, 2024 189.364
Bank BPD Jatim FR0087 7 hari/days 5 Januari/January 5, 2024 189.364
Bank BPD Jatim FR0087 7 hari/days 5 Januari/January 5, 2024 189.364
Bank BPD Jatim FR0082 6 hari/days 3 Januari/January 3, 2024 193.449
Bank BPD Jatim FR0082 6 hari/days 3 Januari/January 3, 2024 145.088
Bank BPD Jatim FR0082 6 hari/days 3 Januari/January 3, 2024 145.088
Jumlah/Total 1.051.717
- 81 -
Page 693
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. Utang Pajak 21. Taxes Payable
Utang pajak terdiri dari: Taxes payable consists of:
2024 2023
Pajak kini 5.401 22.677 Current tax
Pajak penghasilan Income tax
Pasal 4 19.873 14.446 Article 4
Pasal 21 19.419 5.813 Article 21
Pasal 23 dan 26 2.169 2.244 Articles 23 and 26
Pasal 25 3.933 - Article 25
Jumlah pajak penghasilan 50.795 45.180 Total income tax
Pajak pertambahan nilai 1.924 7.392 Value added tax
Jumlah 52.719 52.572 Total
22. Beban yang Masih Harus Dibayar 22. Accrued Expenses
Beban yang masih harus dibayar merupakan Accrued expenses consist of accrued expenses
beban yang masih harus dibayar atas beban of interest and sharia expenses as follows:
bunga dan beban syariah sebagai berikut:
2024 2023
Pihak berelasi (Catatan 37) Related parties (Note 37)
Rupiah Rupiah
Deposito 1.147 1.051 Time deposits
Giro 346 349 Demand deposits
Tabungan 42 16 Savings deposits
Jumlah 1.535 1.416 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Deposito 3 341 Time deposits
Giro 109 45 Demand deposits
Jumlah 112 386 Subtotal
Jumlah pihak berelasi 1.647 1.802 Total related parties
Pihak ketiga Third parties
Rupiah Rupiah
Deposito 31.455 29.921 Time deposits
Tabungan 1.236 1.477 Savings deposits
Giro 1.807 1.273 Demand deposits
Obligasi subordinasi 7.583 7.583 Subordinated bonds
Jumlah 42.081 40.254 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Deposito 385 1.753 Time deposits
Giro 103 7 Demand deposits
Jumlah 488 1.760 Subtotal
Jumlah pihak ketiga 42.569 42.014 Total third parties
Jumlah 44.216 43.816 Total
- 82 -
Page 694
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. Liabilitas Lain-lain 23. Other Liabilities
2024 2023
Setoran jaminan 176.743 157.425 Margin deposits
Liabilitas sewa 129.916 133.368 Lease liabilities
Pendapatan yang ditangguhkan 24.124 22.945 Deferred income
Penilaian pajak penghasilan 19.746 - Income tax assessment
Liabilitas terkait asuransi kredit 13.580 23.005 Liability related to insurance credit
Estimasi kerugian komitmen Estimated losses on commitment and
dan kontinjensi 8.803 7.640 contingencies
Liabilitas sehubungan dengan pinjaman 2.381 4.028 Liabilities in connection with loans
Liabilitas derivatif (Catatan 16) 1.746 3.235 Derivatives liabilities (Note 16)
Setoran penyelesaian hapus buku 1.021 731 Deposit for write-off settlement
Setoran penyelesaian AYDA 168 306 Deposit for foreclosed assets settlement
Titipan setoran pajak ke KPPN 114 3.871 Deposit tax payments to the KPPN
Penampungan cadangan biaya spin-off - 11.851 Escrow for spin-off costs
Lain-lain 21.191 22.568 Others
Jumlah 399.533 390.973 Total
Perubahan estimasi kerugian komitmen dan The changes in estimated losses on commitment
kontinjensi adalah sebagai berikut: and contingencies are as follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 7.553 33 54 7.640 Balance at the beginning of the year
Pembentukan (pemulihan) tahun berjalan 1.238 (28) (47) 1.163 Provision (reversal) for current year
Saldo akhir tahun 8.791 5 7 8.803 Balance at the end of the year
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 12.567 32 22 12.621 Balance at the beginning of the year
Pembentukan (pemulihan) tahun berjalan (5.014) 1 32 (4.981) Provision (reversal) for current year
Saldo akhir tahun 7.553 33 54 7.640 Balance at the end of the year
24. Obligasi Subordinasi 24. Subordinated Bonds
Merupakan obligasi subordinasi yang diterbitkan These represent subordinated bonds issued by
oleh Perusahaan dengan rincian sebagai berikut: the Company with the following details:
2024 2023
Obligasi subordinasi Bank Sinarmas Bank Sinarmas subordinated bonds
Tahap I Tahun 2022 500.000 500.000 Phase I of 2022
Diskonto yang belum diamortisasi (2.495) (3.488) Unamortized discount
Jumlah - bersih 497.505 496.512 Total - net
Pada tanggal 29 Juni 2022, Grup menerbitkan On June 29, 2022, the Group issued Bank
Obligasi Subordinasi Berkelanjutan I Bank Sinarmas Phase I Year 2022 Subordinated
Sinarmas Tahap I Tahun 2022 sebesar Sustainable Bonds of Rp500,000. This
Rp500.000. Obligasi subordinasi ini berjangka subordinated bond has a term of 5 years and will
waktu 5 tahun yang akan jatuh tempo pada mature on July 8, 2027. The interest rate is 6.50%
tanggal 8 Juli 2027. Tingkat suku bunga sebesar per annum and is paid quarterly from the issuance
6,50% per tahun dan dibayarkan setiap tiga date.
bulan sejak tanggal emisi.
- 83 -
Page 695
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dana yang diperoleh dari hasil Penawaran The funds obtained from the proceeds from the
Umum Berkelanjutan Obligasi Subordinasi Public Offering of the Sustainable Subordinated
Berkelanjutan I Bank Sinarmas Tahap I Tahun Bonds I of Bank Sinarmas Phase I Year 2022 after
2022 setelah dikurangi dengan biaya-biaya deducted by the related issuance costs, will all be
emisi terkait, seluruhnya akan dipergunakan used by the Company to strengthen it’s capital
oleh Perusahaan untuk memperkuat which is calculated as supplementary capital (Tier
permodalan yang diperhitungkan sebagai 2) in the context of support plans for extending
modal pelengkap (Tier 2) dalam rangka loans with longer tenors.
mendukung rencana penyaluran kredit dengan
tenor yang lebih panjang.
Pada Desember 2022, Perusahaan telah In December 2022, the Company has used all of
menggunakan seluruh dana hasil Penawaran the proceeds from the Public Offering of
Umum Berkelanjutan Obligasi Subordinasi I Subordinated Bonds I for long term lending.
untuk penyaluran kredit dengan tenor panjang.
PT BPD Jawa Barat dan Banten Tbk bertindak PT BPD Jawa Barat dan Banten Tbk act as the
sebagi Wali Amanat. Trustee.
Grup wajib mengupayakan tingkat kesehatan The Group is required to ensure that the minimum
Grup minimal berada dalam peringkat komposit level of soundness of the Group has a composite
3 (tiga) yang tergolong "Cukup Baik", sesuai rating of 3 (three) which is classified as "Fairly
penilaian internal berdasarkan ketentuan Good", according to internal assessment based on
Otoritas Jasa Keuangan. the provisions of the Financial Services Authority.
Melalui surat nomor RC-005/KRI-DIR/III/2024 Based on PT Kredit Rating Indonesia Letter No.
tanggal 25 Maret 2024, PT Kredit Rating RC-005/KRI-DIR/III/2024 dated March 25, 2024,
Indonesia memutuskan peringkat atas Bank Sinarmas' Subordinated Bonds I Phase I
Obligasi Subordinasi Berkelanjutan I Bank Year 2022 in the amount of up to
Sinarmas sebanyak-banyaknya sebesar Rp3,000,000,000,000 (three trillion Rupiah)
Rp3.000.000.000.000 (tiga triliun Rupiah) di irA received an irA (Single A) rating for the period from
untuk periode 25 Maret 2024 sampai dengan 1 March 25, 2024 to April 1, 2025.
April 2025.
25. Dana Syirkah Temporer 25. Temporary Syirkah Funds
Akun ini merupakan investasi tidak terikat dalam This account represents unrestricted investment
bentuk giro mudharabah, tabungan in the form of mudharabah demand deposit,
mudharabah, deposito berjangka mudharabah mudharabah saving deposits, mudharabah time
dan sertifikat investasi mudharabah antarbank. deposits and mudharabah interbank Investment
certificate.
a. Simpanan a. Deposits
2024 2023
Giro mudharabah 849.868 712.713 Mudharabah demand deposits
Tabungan mudharabah 2.381.155 1.922.081 Mudharabah saving deposits
Deposito berjangka mudharabah 3.691.526 4.368.757 Mudharabah time deposit
Jumlah 6.922.549 7.003.551 Total
- 84 -
Page 696
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Giro mudharabah terdiri atas: Mudharabah demand deposits consist of:
2024 2023
Rupiah Rupiah
Pihak berelasi (Catatan 37) 91.048 243.744 Related parties (Note 37)
Pihak ketiga 582.499 468.172 Third parties
Jumlah 673.547 711.916 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pihak berelasi (Catatan 37) 58 57 Related parties (Note 37)
Pihak ketiga 176.263 840 Third parties
Jumlah 176.321 897 Subtotal
Jumlah 849.868 712.813 Total
2024 2023
% %
Tingkat nisbah per tahun Ratio level per annum
Rupiah 0,10 - 6,25 0,00 - 5,75 Rupiah
Mata uang asing 0,50 - 2,00 0,50 - 2,00 Foreign currencies
Pada tanggal 31 Desember 2024 dan 2023, There were no Mudharabah demand
tidak ada saldo giro mudharabah yang deposits blocked as guarantee the sharia
diblokir dalam rangka jaminan piutang dan receivables and sharia financing as of
pembiayaan syariah. December 31, 2024 and 2023.
Tabungan mudharabah terdiri atas: Mudharabah saving deposits consist of:
2024 2023
Rupiah Rupiah
Pihak berelasi (Catatan 37) 34.601 24.961 Related parties (Note 37)
Pihak ketiga 2.344.110 1.895.553 Third parties
Jumlah 2.378.711 1.920.514 Subtotal
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pihak ketiga 2.444 1.567 Third parties
Jumlah 2.381.155 1.922.081 Total
2024 2023
% %
Tingkat nisbah per tahun Ratio level per annum
Rupiah 0,00 - 7,00 0,00 - 7,00 Rupiah
Mata uang asing 0,00 - 0,50 0,50 Foreign currencies
Pada tanggal 31 Desember 2024 dan 2023, There were no mudharabah saving deposits
tidak ada saldo tabungan mudharabah yang blocked as guarantee the sharia receivables
diblokir dalam rangka jaminan piutang dan and sharia financing as of December 31,
pembiayaan syariah. 2024 and 2023.
Deposito berjangka mudharabah terdiri Mudharabah time deposits consist of:
atas:
2024 2023
Pihak berelasi (Catatan 37) Related Parties (Notes 37)
Rupiah 69.316 630.352 Rupiah
Mata uang asing (Catatan 39) 966 - Foreign currencies (Note 39)
Jumlah 70.282 630.352 Subtotal
Pihak ketiga Third Parties
Rupiah 3.607.836 3.736.177 Rupiah
Mata uang asing (Catatan 39) 13.408 2.228 Foreign currencies (Note 39)
Jumlah 3.621.244 3.738.405 Subtotal
Jumlah 3.691.526 4.368.757 Total
- 85 -
Page 697
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Klasifikasi deposito berjangka mudharabah The classification of mudharabah time
berdasarkan jangka waktu dan sisa umur deposits based on contract period and
saldo saat jatuh tempo adalah sebagai remaining period to maturity are as follows:
berikut:
Berdasarkan periode deposito berjangka: Based on contractual maturity:
2024 2023
Pihak berelasi Pihak berelasi
(Catatan 37)/ Pihak (Catatan 37)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 37) parties Total (Note 37) parties Total
Rupiah Rupiah
Kurang dari 1 bulan - 65.160 65.160 - 2.136 2.136 Less than 1 month
1 bulan 57.766 438.100 495.866 569.931 957.149 1.527.080 1 month
3 bulan 11.550 852.454 864.004 60.410 886.965 947.375 3 months
6 bulan - 2.014.372 2.014.372 - 1.696.032 1.696.032 6 months
12 bulan - 237.750 237.750 11 193.895 193.906 12 months
Jumlah 69.316 3.607.836 3.677.152 630.352 3.736.177 4.366.529 Subtotal
Mata uang asing Foreign currencies
(Catatan 39) (Note 39)
1 bulan 966 7.569 8.535 - 323 323 1 month
3 bulan - 1.070 1.070 - 339 339 3 months
6 bulan - 4.249 4.249 - 1.061 1.061 6 months
12 bulan - 520 520 - 505 505 12 months
Jumlah 966 13.408 14.374 - 2.228 2.228 Subtotal
Jumlah 70.282 3.621.244 3.691.526 630.352 3.738.405 4.368.757 Total
Berdasarkan sisa umur sampai dengan saat Based on remaining period to maturity:
jatuh tempo:
2024 2023
Pihak berelasi Pihak berelasi
(Catatan 37)/ Pihak (Catatan 37)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 37) parties Total (Note 37) parties Total
Rupiah Rupiah
1 bulan atau kurang 69.266 938.757 1.008.023 569.931 1.186.516 1.756.447 1 month or less
1 - 3 bulan 50 1.126.600 1.126.650 60.421 842.926 903.347 1 - 3 months
3 - 6 bulan - 1.390.512 1.390.512 - 1.571.592 1.571.592 3 - 6 months
6 - 12 bulan - 151.967 151.967 - 135.143 135.143 6 - 12 months
Jumlah 69.316 3.607.836 3.677.152 630.352 3.736.177 4.366.529 Subtotal
Mata uang asing Foreign currencies
(Catatan 39) (Note 39)
1 bulan atau kurang 966 7.972 8.938 - 1.058 1.058 1 month or less
1 - 3 bulan - 4.282 4.282 - 665 665 1 - 3 months
3 - 6 bulan - 874 874 - 460 460 3 - 6 months
6 - 12 bulan - 280 280 - 45 45 6 - 12 months
Jumlah 966 13.408 14.374 - 2.228 2.228 Subtotal
Jumlah 70.282 3.621.244 3.691.526 630.352 3.738.405 4.368.757 Total
2024 2023
% %
Tingkat nisbah per tahun Ratio level per annum
Rupiah 0,00 - 7,00 1,00 - 6,75 Rupiah
Mata uang asing 0,00 - 4,75 0,50 - 2,75 Foreign currencies
Saldo deposito berjangka mudharabah yang Total mudharabah time deposits were
diblokir dalam rangka jaminan blocked as guarantee receivables/sharia
piutang/pembiayaan syariah dan bank financing and bank guarantee as of
garansi pada tanggal 31 Desember 2024 December 31, 2024 and 2023, amounted to
dan 2023, masing-masing adalah sebesar Rp8,095 and Rp25,093, respectively.
Rp8.095 dan Rp25.093.
- 86 -
Page 698
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Simpanan dari Bank Lain b. Deposits from Other Banks
2024 2023
Rupiah Rupiah
Pihak ketiga Third parties
Giro mudharabah 1.472 14.769 Mudharabah demand deposits
Deposito berjangka mudharabah 1.500 1.000 Mudharabah time deposits
Jumlah 2.972 15.769 Total
2024 2023
% %
Tingkat bagi hasil rata-rata per tahun Revenue sharing per annum
Rupiah 0,00 - 4,25 0,00 - 0,50 Rupiah
26. Kepentingan Non-Pengendali 26. Non-Controlling Interests
Perubahan kepentingan non-pengendali atas The change in non-controlling interests in the net
aset bersih Entitas Anak sebagai berikut: assets of the Subsidiary is as follows:
2024 2023
Saldo awal - - Beginning balance
Dampak Pemisahan Unit Usaha Syariah 487.890 - Effect of Spin-Off Sharia Unit
Bagian kepentingan non-pengendali Non-controlling interest on net profit
atas laba bersih Entitas Anak 79.292 - of Subsidiary
Saldo akhir 567.182 - Ending balance
27. Modal Saham dan Tambahan Modal Disetor 27. Capital Stock and Additional Paid-in Capital
Susunan pemegang saham Grup pada tanggal The details of the Group’s capital stock and
31 Desember 2024 dan 2023 sebagai berikut: stockholders as at December 31, 2024 and 2023
are as follows:
2024
Jumlah Lembar Persentase Jumlah
Saham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-up
Pemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Sinar Mas Multiartha Tbk 11.826.853.600 59,99% 1.182.685 PT Sinar Mas Multiartha Tbk
PT Shinta Utama 337.924.345 1,71% 33.792 PT Shinta Utama
Enny Kamal, Direktur 1.683.501 0,01% 168 Enny Kamal, Director
Masyarakat 7.549.700.957 38,29% 754.971 Public
Jumlah 19.716.162.403 100,00% 1.971.616 Total
2023
Jumlah Lembar Persentase Jumlah
Saham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-up
Pemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Sinar Mas Multiartha Tbk 11.826.853.600 59,99% 1.182.685 PT Sinar Mas Multiartha Tbk
PT Shinta Utama 577.504.296 2,93% 57.750 PT Shinta Utama
Halim, Direktur 612.146 0,00% 61 Halim, Director
Enny Kamal, Direktur 1.795.332 0,01% 180 Enny Kamal, Director
Masyarakat 7.309.397.029 37,07% 730.940 Public
Jumlah 19.716.162.403 100,00% 1.971.616 Total
- 87 -
Page 699
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
PT Shinta Utama dan PT Sinar Mas Multiartha, PT Shinta Utama and PT Sinar Mas Multiartha,
Tbk telah menandatangani dan menyampaikan Tbk have signed and conveyed letters of
surat pernyataan kesanggupan untuk memenuhi statement on the recognition of the Group’s
persyaratan yang ditetapkan dalam liabilities as required in the Group’s participation
keikutsertaan Grup dalam program penjaminan in the Government guarantee program.
Pemerintah.
Perubahan lembar saham untuk periode dan The changes in number of outstanding shares for
tahun yang berakhir 31 Desember 2024 dan the period and the year ended December 31,
2023, adalah sebagai berikut: 2024 and 2023, are as follows:
Jumlah Saham/
Number of
shares issued
Jumlah saham pada tanggal 1 Januari 2024 Balance of shares as of January 1, 2024
dan 31 Desember 2024 19.716.162.403 and December 31, 2024
Penambahan modal disetor selama tahun berjalan - Additional issuance during the year
Jumlah saham pada tanggal 31 Desember 2024 19.716.162.403 Balance of shares as of December 31, 2024
Perubahan tambahan modal disetor sampai The movements in additional paid-in capital until
dengan tanggal 31 Desember 2024 dan 2023: December 31, 2024 and 2023 are as follows:
2024 2023
Penawaran Umum Perdana tahun 2010 80.000 80.000 Initial Public Offering in 2010
Biaya emisi saham tahun 2010 (4.678) (4.678) Shares issuance cost in 2010
Konversi Waran Seri I tahun 2011 89.918 89.918 Conversion of Series I Warrants in 2011
Konversi Waran Seri I tahun 2012 90 90 Conversion of Series I Warrants in 2012
Penawaran Umum Terbatas I tahun 2012 180.478 180.478 Limited Public Offering I in 2012
Biaya emisi saham tahun 2012 (3.776) (3.776) Shares issuance cost in 2012
Konversi Waran Seri I tahun 2013 371 371 Conversion of Series I Warrants in 2013
Konversi Waran Seri II tahun 2013 423.821 423.821 Conversion of Series II Warrants in 2013
Konversi Waran Seri I tahun 2014 935 935 Conversion of Series I Warrants in 2014
Konversi Waran Seri II tahun 2014 1.151 1.151 Conversion of Series II Warrants in 2014
Peningkatan modal tanpa Hak Additional issuance through right issue
Memesan Efek Terlebih without pre-emptive rights to the
Dahulu (HMETD) 152.411 152.411 existing shareholders
Biaya emisi saham tahun 2014 (227) (227) Shares issuance cost in 2014
Konversi Waran Seri I 4.397 4.397 Conversion of Series I Warrants
Konversi Waran Seri II 3.313 3.313 Conversion of Series II Warrants
Konversi Waran Seri II 1.576 1.576 Conversion of Series II Warrants
Penawaran Umum Terbatas II tahun 2016 326.782 326.782 Limited Public Offering I in 2016
Selisih antara aset dan liabiltas Difference between tax amnesty
pengampunan pajak 5.234 5.234 assets and liabilities
Biaya emisi saham tahun 2016 (5.285) (5.285) Shares issuance cost in 2016
Konversi Waran Seri II 19.264 19.264 Conversion of Series II Warrants
Konversi Waran Seri III 880 880 Conversion of Series III Warrants
Konversi Waran Seri III tahun 2019 840.000 840.000 Conversion of Series III Warrants in 2019
Konversi Waran Seri III tahun 2020 252.000 252.000 Conversion of Series III Warrants in 2020
Konversi Waran Seri III tahun 2022 1.183.539 1.183.539 Conversion of Series III Warrants in 2022
Jumlah 3.552.194 3.552.194 Total
Manajemen Permodalan Capital Management
Tujuan utama dari pengelolaan modal Grup The primary objective of the Grup’s capital
adalah untuk memastikan bahwa Grup management is to ensure that it maintains the
mempertahankan rasio modal yang sehat dalam soundness of capital ratios in order to support its
rangka mendukung bisnis dan memaksimalkan business and maximize shareholder value. The
nilai pemegang saham. Grup wajib untuk Grup is required by OJK to meet Capital Adequacy
memenuhi rasio Kewajiban Penyediaan Modal Ratio (CAR).
Minimum (KPMM) sebagaimana ditetapkan oleh
OJK.
- 88 -
Page 700
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Manajemen menggunakan peraturan rasio Management uses regulatory capital ratios in order
permodalan untuk memantau rasio Kewajiban to monitor its capital base, and these Capital
Penyediaan Modal Minimum (KPMM), sesuai Adequacy Ratios (CAR) remain the industry
dengan standar industri. Peraturan OJK untuk standards for measuring capital adequacy. OJK
pengukuran modal tersebut terutama didasarkan regulation for such measurement is primarily based
kepada pemantauan kebutuhan modal yang on monitoring the capital requirement (measured
diwajibkan (diukur sebagai 10% dari aset as 10% of risk-weighted assets) to available capital
tertimbang menurut risiko) terhadap modal yang resources.
tersedia.
Grup telah memenuhi ketentuan OJK yang The Group has complied with OJK regulation
berlaku tentang KPMM. regarding CAR.
Grup wajib memperhitungkan Risiko Pasar In the calculations of CAR, the Group has
karena telah memenuhi kriteria sebagaimana considered Market Risk using the standard method
diatur oleh OJK yang berlaku, yaitu jumlah aset as stipulated in OJK Regulation, since the Group
sebesar Rp10.000.000 atau lebih. Perhitungan has a total assets of more than Rp10,000,000.
dilakukan menggunakan metode standar sesuai
dengan Peraturan OJK.
Perhitungan rasio KPMM pada tanggal The calculation of CAR as at December 31, 2024
31 Desember 2024 dan 2023 adalah sebagai and 2023 follows:
berikut:
2024 2023
I. Komponen Modal I. Capital Stock Component
A. Modal Inti 6.930.875 7.283.216 A. Core Capital
B. Modal Pelengkap 641.610 711.607 B. Supplementary Capital
II. Jumlah modal 7.572.485 7.994.823 II. Total Capital Stock
III. Aset Tertimbang Menurut Risiko (ATMR) III. Risk Weighted Assets
Risiko kredit setelah memperhitungkan Credit risk after considering
risiko spesifik 14.517.860 20.197.024 spesific risk
Risiko pasar 2.981.680 4.118.159 Market risk
Risiko operasional 6.723.016 7.237.461 Operational risk
Jumlah ATMR untuk risiko kredit, pasar Total risk weight assets for credit,
dan operasional 24.222.556 31.552.644 market and operational risk
IV. Rasio Kewajiban Penyediaan Modal IV. Capital Adequacy Ratio (CAR)
Minimum (KPMM) yang tersedia
KPMM dengan memperhitungkan
risiko kredit 52,16% 39,58% CAR with credit risk
KPMM dengan memperhitungkan
risiko kredit dan pasar 43,27% 32,87% CAR with credit and market risk
KPMM dengan memperhitungkan
risiko kredit dan operasional 35,65% 29,14% CAR with credit and operational risk
KPMM dengan memperhitungkan risiko CAR with credit, operational and
kredit dan operasional dan pasar 31,26% 25,34% market risk
V. Rasio Kewajiban Penyediaan Modal
Minimum yang diwajibkan berdasarkan V. Minimum Capital Adequacy Ratio
profil risiko 10% 10% based on the profile risk
- 89 -
Page 701
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
28. Waran 28. Warrants
Pada tanggal 27 April 2016, Grup menerbitkan On April 27, 2016, the Group issued attached
Waran Seri III secara cuma-cuma sejumlah 4,357,096,148, Series III Warrants, free of
4.357.096.148 waran yang melekat pada saham charge, to be issued in the Limited Public Offering
yang diterbitkan dalam rangka Penawaran II. Each holder of one (1) new shares of the Group
Umum Terbatas II. Setiap pemegang satu (1) is entitled to four (4) warrants where each one (1)
saham baru Grup berhak memperoleh empat (4) warrant entitles the holder to purchase one (1)
waran dimana setiap satu (1) waran memberikan new share of the Group at an exercise price a
hak kepada pemegangnya untuk membeli satu Rp625 (in full Rupiah) per share and can be
(1) saham baru Grup dengan harga exercised from November 28, 2016 until May 12,
pelaksanaannya sebesar Rp625 (dalam Rupiah 2021.
penuh) dan dapat dikonversi menjadi saham
mulai tanggal 28 November 2016 sampai
dengan 12 Mei 2021.
Tanggal masa laku Waran Seri III berakhir pada The validity period of the Series III Warrants
12 Mei 2021 dan sebanyak 21.031.543 Waran ended on May 12, 2021 and 21,031,543 Series III
Seri III tidak dikonversikan menjadi saham. Warrants were not converted into shares.
29. Pendapatan Bunga dan Pendapatan Syariah 29. Interest Revenues and Sharia Income
2024 2023
Pendapatan bunga Interest revenues
Rupiah Rupiah
Kredit yang diberikan 1.539.973 1.174.841 Loans
Efek-efek 971.883 1.041.086 Securities
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 155.235 158.097 and Bank Indonesia
Giro pada bank lain Demand deposits with other banks
dan Bank Indonesia 19.923 21.156 and Bank Indonesia
Efek yang dibeli dengan Securities purchased under
janji jual kembali 10.836 39.962 agreements to resell
Jumlah 2.697.850 2.435.142 Subtotal
Mata uang asing Foreign currencies
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 187.513 173.371 and Bank Indonesia
Kredit yang diberikan 47.198 137.995 Loans
Efek-efek 76.201 25.893 Securities
Giro pada bank lain Demand deposits with other banks
dan Bank Indonesia 10.151 9.394 and Bank Indonesia
Jumlah 321.063 346.653 Subtotal
Jumlah pendapatan bunga 3.018.913 2.781.795 Total interest revenues
Pendapatan syariah Sharia income
Rupiah Rupiah
Piutang dan pembiayaan syariah 477.150 555.063 Sharia receivables and sharia financing
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 46.598 45.594 and Bank Indonesia
Efek-efek 237.438 125.693 Securities
Giro pada bank lain Demand deposits with other banks
dan Bank Indonesia 3.829 - and Bank Indonesia
Jumlah 765.015 726.350 Subtotal
Mata uang asing Foreign currencies
Piutang dan pembiayaan syariah 3.185 - Sharia receivables and sharia financing
Efek-efek 654 699 Securities
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia - 6.967 and Bank Indonesia
Giro pada bank lain Demand deposits with other banks
dan Bank Indonesia 1.136 - and Bank Indonesia
Jumlah 4.975 7.666 Subtotal
Jumlah pendapatan syariah 769.990 734.016 Total sharia income
Jumlah 3.788.903 3.515.811 Total
- 90 -
Page 702
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
30. Beban Bunga dan Beban Syariah 30. Interest Expenses and Sharia Expenses
2024 2023
Beban bunga Interest expenses
Rupiah Rupiah
Deposito berjangka 335.289 269.162 Time deposits
Tabungan 184.166 117.592 Savings deposits
Giro 98.447 100.304 Demand deposits
Premi penjaminan Pemerintah Premium on Government
(Catatan 46c) 96.764 80.800 guarantee (Note 46c)
Obligasi subordinasi 33.494 33.220 Subordinated bonds
Simpanan dari bank lain 19.891 7.210 Deposits from other banks
Efek yang dijual dengan janji beli Securities sold under agreements
kembali 38.021 5.605 to repurchase
Jumlah 806.072 613.893 Subtotal
Mata uang asing Foreign currencies
Deposito berjangka 18.575 10.194 Time deposits
Giro 4.501 8.819 Demand deposits
Simpanan dari bank lain 460 17 Deposits from other banks
Jumlah 23.536 19.030 Subtotal
Jumlah beban bunga 829.608 632.923 Total interest expenses
Beban syariah Sharia expenses
Rupiah Rupiah
Deposito berjangka 215.329 184.268 Time deposits
Tabungan 93.307 40.817 Savings deposits
Giro 26.432 16.032 Demand deposits
Premi penjaminan Pemerintah Premium on Government
(Catatan 46c) 20.249 16.625 guarantee (Note 46c)
Simpanan dari bank lain 4.647 1.827 Deposits from other banks
Efek yang dijual dengan janji beli Securities sold under agreements
kembali 68 - to repurchase
Jumlah 360.032 259.569 Subtotal
Mata uang asing Foreign currencies
Giro 324 - Demand deposits
Simpanan dari bank lain 86 - Deposits from other banks
Deposito berjangka 43 - Time deposits
Tabungan 2 - Savings deposits
Jumlah 455 - Subtotal
Jumlah beban syariah 360.487 259.569 Total sharia expenses
Jumlah 1.190.095 892.492 Total
31. Beban Umum dan Administrasi 31. General and Administrative Expenses
2024 2023
Perbaikan dan pemeliharaan 424.876 232.778 Repairs and maintenance
Asuransi 383.730 387.092 Insurance
Umum 288.076 264.636 General
Komunikasi 94.445 98.976 Communications
Sewa gedung 47.036 42.540 Building rent
Promosi 42.702 27.097 Promotions
Transportasi 33.304 34.710 Transportation
Pendidikan dan pengembangan 29.052 24.222 Education and training
Imbalan kerja jangka panjang Long term employee benefits
(Catatan 41) 26.752 16.301 (Note 41)
Jasa profesional 25.749 8.920 Professional fees
Cetakan dan alat tulis 25.692 25.254 Printing and stationery
Listrik dan air 25.611 24.747 Electricity and water
Perjalanan dinas 9.747 8.926 Travel
Jumlah 1.456.772 1.196.199 Total
- 91 -
Page 703
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
32. Beban Tenaga Kerja 32. Personnel Expenses
2024 2023
Gaji 685.225 602.138 Salaries
Tunjangan Hari Raya 57.247 49.730 Allowances for Hari Raya
Tunjangan lainnya 540.037 367.097 Other allowances
Jumlah 1.282.509 1.018.965 Total
33. Pendapatan Operasional Lainnya - Lain-lain 33. Other Operating Revenue - Others
2024 2023
Pendapatan safe deposit box 7.877 7.651 Income from safe deposit box
Keuntungan penjualan aset tetap Gain on sale of property and
(Catatan 13) 690 694 equipment (Note 13)
Keuntungan penjualan AYDA 11 - Gain on sale of foreclosed assets
Pendapatan dari klaim asuransi - 213.666 Revenue from insurance claim
Lain-lain 11.011 11.469 Others
Jumlah 19.589 233.480 Total
34. Beban Operasional Lainnya - Lain-lain 34. Other Operating Expenses - Others
2024 2023
Beban tanggung jawab sosial 5.295 6.100 Corporate social responsibilty
Biaya zakat, infaq, dan sedekah 4.334 - Obligatory charities
Kerugian dari tindakan kecurangan 2.495 6.695 Loss from fraud
Kerugian penjualan AYDA 1.323 1.167 Loss on sale of foreclosed assets
Loss on the write-off of property
Hapus buku aset tetap (Catatan 13) 66 129 and equipment (Note 13)
Kerugian penurunan nilai aset lain-lain - 37.344 Impairment loss on other assets
Lain-lain 2.125 5.441 Others
Jumlah 15.638 56.876 Total
35. Pajak Penghasilan 35. Income Tax
a. Beban Pajak a. Tax Expense
Beban pajak terdiri dari: Tax expense consists of the following:
2024 2023
Pajak kini - Bank 51.896 78.960 Current tax - Bank
Pajak kini - entitas anak 42.254 - Current tax - subsidiary
Pajak tangguhan - Bank (557) (1.904) Deferred tax - Bank
Pajak tangguhan - entitas anak (24.914) - Deferred tax - subsidiary
Penyesuaian tahun lalu - (79.274) Previous year adjustment
Jumlah 68.679 (2.218) Total
Penyesuaian tahun lalu merupakan The previous year adjustment is the
penyesuaian atas beban pajak 2022. adjustment to 2022 income tax.
- 92 -
Page 704
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Pajak Kini b. Current Tax
Rekonsiliasi antara laba sebelum pajak A reconcilliation between profit before tax per
menurut laporan laba rugi dan penghasilan statements of profit or loss and other
komprehensif lain dengan laba kena pajak comprehensive income and taxable income
adalah sebagai berikut: as follow:
2024 2023
Laba sebelum pajak menurut laporan Profit before tax consolidated
laba rugi dan penghasilan per statements of profit
komprehensif lain and loss and other
konsolidasian 438.816 73.578 comprehensive income
Bagian laba (rugi) bersih Net income (loss) of
entitas anak 179.160 - subsidiaries
Laba sebelum pajak Income before
penghasilan - Bank 259.656 73.578 income tax - Bank
Perbedaan temporer 2.933 394.888 Temporary difference
Perbedaan tetap 10.548 (52.888) Permanent difference
Jumlah 13.481 342.000 Total
Laba kena pajak - Bank 273.137 415.578 Taxable Income - Bank
Rincian beban dan utang pajak kini adalah Current tax expense and payable are
sebagai berikut: computed as follows:
2024 2023
Beban pajak kini - Bank 51.896 78.960 Current tax expense - Bank
Beban pajak kini - entitas anak 42.254 - Current tax expense - subsidiary
Dikurangi pembayaran pajak dimuka
Pajak penghasilan pasal 25 - Bank (49.348) (56.283) Less prepaid income tax - Article 25 - Bank
Dikurangi pembayaran pajak dimuka
Pajak penghasilan pasal 25 Less prepaid income tax - Article 25
- entitas anak (39.401) - - subsidiary
Utang pajak kini (Catatan 21) 5.401 22.677 Current tax payable (Note 21)
c. Pajak Tangguhan c. Deferred Tax
Rincian dari aset dan liabilitas pajak The details of the Group’s deferred tax assets
tangguhan Grup adalah sebagai berikut: and liabilities are as follows:
Dikreditkan (dibebankan) ke/
Credited (charged) to
Penyesuaian Penghasilan
saldo aset Komprehensif
1 Januari pajak tangguhan/ Penyesuaian Lain/ 31 Desember
2024/ Deffered tax tarif pajak/ Other 2024/
January 1, asset Tax rate Laba Rugi/ Comprehensive December 31,
2024 adjustment adjustment Profit or Loss Income 2024
Amortisasi diskonto instrumen Amortization of discount
keuangan 524 - - 154 - 678 of financial instrument
Imbalan kerja jangka panjang 6.730 (1.124) - 752 735 7.093 Long-term employee benefit
Laba yang belum direalisasi atas Unrealized gain of marketable
kenaikan nilai wajar dari efek-efek securities on increase at fair
yang diukur melalui penghasilan value through other
komprehensif lain 28.233 - - - 21.110 49.343 comprehensive income
Cadangan bonus - - - 8.268 - 8.268 Bonus reserved
Depreciation of property and
Penyusutan aset tetap (112.052) 1.994 - 10.673 - (99.385) equipment
Aset hak-guna 2.111 - - 590 - 2.701 Right-of-used assets
Cadangan kerugian penurunan Allowances for impairment
nilai aset 289.022 (150.160) - (19.880) - 118.982 losses on earning assets
Aset pajak tangguhan - Deferred tax assets -
Bank - neto 214.568 (149.290) - 557 21.845 87.680 Bank - net
Aset pajak tangguhan - Deferred tax assets -
entitas anak - neto - 149.290 23.572 1.342 (523) 173.681 subsidiaries - net
Total 214.568 - 23.572 1.899 21.322 261.361 Total
- 93 -
Page 705
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dikreditkan (dibebankan) ke/
Credited (charged) to
Penghasilan
Komprehensif
1 Januari Lain/ 31 Desember
2023/ Other 2023/
January 1, Laba Rugi/ Comprehensive December 31,
2023 Profit or Loss Income 2023
Amortisasi diskonto instrumen Amortization of discount
keuangan (13) 537 - 524 of financial instrument
Imbalan kerja jangka panjang 6.866 (703) 567 6.730 Long-term employee benefit
Laba yang belum direalisasi atas
kenaikan nilai wajar dari efek-efek Unrealized gain of marketable securities
yang diukur melalui penghasilan on increase at fair value through other
komprehensif lain 13.022 - 15.211 28.233 comprehensive income
Depreciation of property and
Penyusutan aset tetap (114.976) 2.924 - (112.052) equipment
Aset hak-guna 3.770 (1.659) - 2.111 Right-of-used assets
Cadangan kerugian penurunan Allowances for impairment
nilai aset 288.217 805 - 289.022 losses on earning assets
Jumlah aset pajak
tangguhan - bersih 196.886 1.904 15.778 214.568 Deferred tax assets - net
Rekonsiliasi antara beban pajak dan hasil A reconciliation between the total tax
perkalian laba akuntansi sebelum pajak expense and the amounts computed by
dengan tarif pajak yang berlaku dalam applying the effective tax rates to profit before
laporan laba rugi dan penghasilan tax per statements of profit loss and other
komprehensif lain adalah sebagai berikut: comprehensive income follows:
2024 2023
Laba sebelum beban pajak menurut Profit before tax consolidated
laporan laba rugi dan penghasilan per statement of profit
komprehensif lain and loss and other
konsoidasian 438.816 73.578 comprehensive income
Beban pajak penghasilan dengan tarif pajak Income tax expense at prevailing
yang berlaku - Bank - 19% 49.335 13.980 tax rate - bank - 19%
Beban pajak penghasilan dengan tarif pajak Income tax expense at prevailing
yang berlaku - Entitas anak - 22% 39.415 0 tax rate - Subsidiary - 22%
Pengaruh pajak atas perbedaan tetap: Tax effects of permanent differences:
Lain-lain 3.501 (10.049) Others
Jumlah - bersih 3.501 (10.049) Net
Koreksi atas beban pajak (23.572) (6.149) Adjustment on income tax
Jumlah beban pajak 68.679 (2.218) Total tax expense
Pada tanggal 7 Oktober 2021, Dewan On October 7, 2021, the House of
Perwakilan Rakyat Republikk Indonesia Representatives of the Republic of Indonesia
mengesahkan Undang-Undang passed the Law on the Harmonization of Tax
Harmonisasi Peraturan Perpajakan, yang Regulations, which stipulates a corporate
antara lain menetapkan tarif pajak income tax rate of 22% for the fiscal year
penghasilan badan sebesar 22% untuk 2022 onwards, among others.
tahun pajak 2022 dan seterusnya
Bank sebagai wajib pajak perusahaan publik The Bank as a domestic public company tax
dalam negeri dan memenuhi persyaratan payer which meeting certain requirements of
tertentu sebagaimana diatur berdasarkan Government Regulation, can avail of further
Peraturan Pemerintah, memperoleh tarif 3% 3% reduction from the tax rate as mentioned
lebih rendah dari tarif pajak penghasilan above, i.e., 19% for 2024 and 2023 fiscal
badan yang disebutkan di atas, yakni years.
menjadi 19% pada tahun pajak 2024 dan
2023.
Aset dan liabilitas pajak tangguhan Grup The Group’s deferred tax assets and
tanggal 31 Desember 2024, telah dihitung liabilities as of December 31, 2024, have
menggunakan tarif pajak yang diperkirakan been calculated using the tax rates that are
berlaku pada saat realisasi. estimated to be valid at the time of realization.
- 94 -
Page 706
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. Laba per Saham Dasar 36. Earnings per Share
2024 2023
Laba bersih 290.845 75.796 Net income
Weighted average number of shares
Rata-rata tertimbang jumlah saham untuk outstanding for computation of basic
perhitungan laba per saham dasar 19.716.162.403 19.716.162.403 earnings per share
Laba bersih per saham Earnings per share
(dalam Rupiah penuh) 14,75 3,84 (in full Rupiah)
37. Sifat dan Transaksi Pihak Berelasi 37. Nature of Relationship and Transactions with
Related Parties
Sifat Pihak Berelasi Nature of Relationship
Selain karyawan kunci, pihak berelasi dengan Other than the key management personnel, the
Bank adalah perusahaan-perusahaan yang related parties of the Bank represent companies
berada dalam Grup Sinar Mas: under the Sinar Mas Group:
a. Pemegang saham (termasuk pemegang a. Stockholders (include ultimate stockholder).
saham akhir) Bank. PT Sinarmas Multiartha PT Sinarmas Multiartha Tbk and PT Shinta
Tbk dan PT Shinta Utama. Utama.
b. Perusahaan-perusahaan yang dimiliki b. Companies owned by stockholders, either
secara langsung atau tidak langsung oleh directly or indirectly.
pemegang saham Bank.
c. Perusahaan-perusahaan yang dikendalikan c. Companies controlled by close family
oleh anggota keluarga dekat pemegang members of stockholders and key
saham dan manajemen kunci Bank. management personnel.
Transaksi Pihak Berelasi Transactions with of Related Parties
Dalam kegiatan usahanya, Bank juga melakukan In the normal course of business, the Bank
transaksi-transaksi tertentu dengan pihak-pihak entered into certain transactions with related
berelasi yang meliputi antara lain: parties involving the following:
a. Transaksi aset dan liabilitas dengan pihak a. Accounts involved in transactions with
berelasi adalah sebagai berikut: related parties are as follows:
2024 2023
Persentase Persentase
Terhadap Jumlah Terhadap Jumlah
Aset/Liabilitas/ Aset/Liabilitas/
Dana Syirkah Temporer Dana Syirkah Temporer
Percentage of Percentage of
Jumlah/ Total Assets/Liabilities/ Jumlah/ Total Assets/Liabilities/
Total Syirkah Temporary Funds Total Syirkah Temporary Funds
% %
Aset Assets
Efek-efek 1.079.140 1,94 1.140.803 2,17 Securities
Kredit 297.395 0,53 211.039 0,40 Loans
Pendapatan yang masih
akan diterima 143 0,00 212 0,00 Accrued income
Biaya dibayar dimuka 4.280 0,01 400 0,00 Prepaid expenses
Aset lain - lain 35.584 0,06 39.103 0,07 Other assets
Liabilitas Liabilities
Liabilities immediately
Liabilitas segera 314 0,00 1.535 0,00 payable
Simpanan 5.634.290 14,05 5.918.217 15,66 Deposits
Beban yang masih
harus dibayar 1.647 0,00 1.802 0,00 Accrued expenses
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan 195.989 2,83 899.014 12,81 Deposits
- 95 -
Page 707
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Pada tanggal 31 Desember 2024 dan 2023, b. As of December 31, 2024 and 2023, loan
saldo kredit channeling masing-masing channeling amounted to Rp156,719 and
sebesar Rp156.719 dan Rp38.965 dan Rp38,965, respectively, and joint financing
saldo kredit joint financing masing-masing amounted to Rp1,796,958 and
sebesar Rp1.796.958 dan Rp2.586.684 Rp2,586,684, respectively, were disbursed
disalurkan melalui pihak berelasi through related parties (Note 9).
(Catatan 9).
c. Pada tanggal 31 Desember 2024 dan 2023, c. As of December 31, 2024 and 2023, ijarah
saldo aset ijarah channeling masing-masing assets channeling amounted to Rpnil and
sebesar Rpnihil dan Rp137.658 disalurkan Rp137,658, respectively, were disbursed
melalui pihak berelasi. through related parties.
d. Pendapatan bunga dan pendapatan syariah d. Interest income and sharia income from
yang diterima dari pihak berelasi untuk related parties amounted to Rp4,997 and
tahun-tahun yang berakhir 31 Desember Rp6,870, or 0.15% and 0.23%, respectively,
2024 dan 2023 masing-masing sebesar of total interest income and sharia income
Rp4.997 dan Rp6.870, atau masing-masing for the years ended December 31, 2024 and
0,15% dan 0,23% dari jumlah pendapatan 2023, respectively.
bunga dan pendapatan syariah.
e. Beban bunga dan beban syariah yang e. Interest expenses and sharia expenses paid
dibayar kepada pihak berelasi untuk tahun- to related parties amounted to Rp89,732 and
tahun yang berakhir 31 Desember 2024 dan Rp100,812 or 7.54% and 11.30%,
2023 masing-masing sebesar Rp89.732 respectively of total interest expense and
dan Rp100.812, atau masing-masing 7,54% sharia expenses for the years ended
dan 11,30%, dari jumlah beban bunga dan December 31, 2024 and 2023, respectively.
beban syariah.
f. Beban umum dan administrasi yang dibayar f. General and administrative expenses
kepada pihak berelasi untuk tahun-tahun incurred with related parties amounted to
yang berakhir 31 Desember 2024 dan 2023 Rp29,925 and Rp29,358 or 2.05% and
masing-masing sebesar Rp29.925 dan 2.45%, respectively, of total general and
Rp29.358 atau masing-masing 2,05% dan administrative expenses for the years ended
2,45% dari jumlah beban umum dan December 31, 2024 and 2023, respectively.
administrasi.
g. Bank memberikan kompensasi kepada g. The Bank provides compensation to
karyawan kunci. Imbalan yang diberikan the key management personnel. The
kepada direksi dan anggota manajemen renumeration of directors and other
kunci lainnya selama tahun berjalan adalah members of key management during the
sebagai berikut: year were as follows:
2024
Personil
Dewan manajemen
Komisaris/ kunci lainnya/
Direksi/ Board of Management
Directors Commissioners Personnel
% Rp % Rp % Rp
Gaji dan imbalan kerja Salaries and other short-term
jangka pendek 100,00 28.604 100,00 5.999 96,87 196.960 employee benefits
Imbalan pesangon - - - - 3,13 6.371 Termination benefits
Jumlah 100,00 28.604 100,00 5.999 100,00 203.331 Total
2023
Personil
Dewan manajemen
Komisaris/ kunci lainnya/
Direksi/ Board of Management
Directors Commissioners Personnel
% Rp % Rp % Rp
Gaji dan imbalan kerja Salaries and other short-term
jangka pendek 100,00 29.824 100,00 5.802 96,07 197.852 employee benefits
Imbalan pesangon - - - - 3,93 8.093 Termination benefits
Jumlah 100,00 29.824 100,00 5.802 100,00 205.945 Total
- 96 -
Page 708
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
h. Pada tanggal 31 Desember 2024 dan 2023, h. As of December 31, 2024 and 2023, the total
saldo transaksi komitmen dan kontinjensi commitments and contingent transactions
(berupa letter of credit dan bank garansi) (which consist of letters of credit and bank
dengan pihak berelasi masing-masing guarantees) with related parties amounted
sebesar Rp114.779 dan Rp116.355 to Rp114,779 and Rp116,355, respectively
(Catatan 38). Saldo jaminan tunai dari pihak (Note 38). The outstanding margin deposits
berelasi sehubungan dengan transaksi from related parties relating to the letters of
letter of credit dan bank garansi pada credit and bank guarantees amounted to
tanggal 31 Desember 2024 dan 2023 Rp366,395 and Rp366,935 as of
masing-masing sebesar Rp366.395 dan December 31, 2024 and 2023, respectively.
Rp366.935.
i. Pada tanggal 31 Desember 2024 dan 2023, i. As of December 31, 2024 and 2023, all
aset tetap Bank, kecuali tanah property and equipment, except for land, are
diasuransikan kepada PT Asuransi Sinar insured with PT Asuransi Sinar Mas with a
Mas dengan nilai pertanggungan total coverage amounted to Rp917,905 and
seluruhnya masing-masing sebesar Rp963,472, respectively (Note 13).
Rp917.905 dan Rp963.472 (Catatan 13).
j. Bank menandatangani asuransi kredit j. The Bank signed credit insurance with PT
dengan PT Asuransi Simas Insurtech, Asuransi Simas Insurtech, with benefits until
dengan manfaat sampai dengan November 15, 2025 (Note 12).
15 November 2025. (Catatan 12).
k. Pada tanggal 31 Desember 2024 dan 2023, k. As of December 31, 2024 and 2023, there
tidak terdapat anggota atau kelompok are no major members or groups of
pemegang saham utama yang juga sebagai shareholders who are also employees and
karyawan dan manajemen kunci lainnya. other key management.
l. Grup telah menunjuk PT Asuransi Simas l. The Group has appointed PT Asuransi
Jiwa, pihak berelasi, untuk mengatur Simas Jiwa, a related party, to manage the
program pensiun (Catatan 41). pension program (Note 41).
38. Komitmen dan Kontinjensi 38. Commitments and Contingencies
a. Komitmen pembelian dan penjualan tunai a. Spot and forward purchases and sales of
mata uang asing foreign currencies
2024 2023
Pembelian tunai mata uang asing Spot and forward contracts
(spot, forward dan swap) to purchased of foreign currencies
Dollar Amerika Serikat 177.045 515.800 U.S.Dollar
Dollar Singapura - 7.696 Singapore Dollar
Jumlah 177.045 523.496 Total
Penjualan tunai mata uang asing Spot and forward contracts
(spot, forward dan swap) to sell foreign currencies
Dollar Amerika Serikat 523.892 2.546.597 U.S.Dollar
Pada tanggal 31 Desember 2024, transaksi As of December 31, 2024, the above spot,
spot, forward, dan swap di atas akan selesai forward, and swap transactions are normally
masing-masing dalam 1 hari sampai 2 hari, settled in 1 day to 2 days, 1 days to 40 days
1 hari sampai 40 hari, dan 1 hari sampai 56 and 1 day to 56 days, respectively.
hari.
Pada tanggal 31 Desember 2023, transaksi As of December 31, 2023, the above spot
spot dan swap di atas akan selesai masing- and swap transactions are normally settled in
masing dalam 1 sampai 2 hari dan sampai 1 day to 2 days, to 21 days, respectively.
21 hari.
b. Bank memiliki tagihan dan liabilitas b. The Bank has commitments and contingent
komitmen dan kontinjensi dalam rangka receivables and liabilities under export-import
ekspor-impor, pemberian garansi dan transaction, guarantees given, and loans
pemberian kredit kepada debitur dengan given to debtors as follows:
rincian sebagai berikut:
- 97 -
Page 709
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Komitmen Commitments
Liabilitas Komitmen Commitment Liabilities
Fasilitas kredit kepada debitur Unused loan commitments granted
yang belum digunakan 512.494 474.753 to debtors
Irrevocable letters of credit 29.011 103.015 Irrevocable letters of credit
Jumlah 541.505 577.768 Total
Kontinjensi Contingencies
Tagihan Kontinjensi Contingent Receivables
Pendapatan bunga dalam
penyelesaian 32.107 32.486 Past due interest revenues
Liabilitas Kontinjensi Contingent Liabilities
Bank garansi 789.456 924.115 Bank guarantees
Jumlah - bersih (757.349) (891.629) Net
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023,
saldo transaksi komitmen dan kontinjensi commitment and contingent transactions
berupa letters of credit dan bank garansi consisting of letters of credit and bank
dengan pihak berelasi masing-masing guarantees with related parties amounted to
sebesar Rp114.779 dan 116.355 (Catatan Rp114,779 and Rp116,355, respectively
37). (Note 37).
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
jangka waktu untuk letter of credit masing- average terms of letters of credit are from 1
masing berkisar antara 1 - 3 bulan, dan 1 - 7 month until 3 months and 1 month until 7
bulan, sedangkan untuk bank garansi months, respectively, while for bank
masing-masing berkisar antara 2 - 60 bulan guarantees are from 2 month until 60 months
dan 1 - 60 bulan. and 1 month until 60 months, respectively.
Saldo Letter of Credit yang dijamin dengan Letters of credit outstanding secured by cash
jaminan tunai pada tanggal 31 Desember collateral as of December 31, 2024 and 2023
2024 dan 2023 masing-masing adalah amounted to Rp69 and Rp2,191,
sebesar Rp69 dan Rp2.191. respectively.
Saldo bank garansi yang dijamin dengan Bank guarantees secured by cash collateral
jaminan tunai pada tanggal 31 Desember as of December 31, 2024 and 2023
2024 dan 2023 masing-masing adalah amounted to Rp523,454 and Rp650,889,
sebesar Rp523.454 dan Rp650.889. respectively.
39. Aset dan Liabilitas dalam Mata Uang Asing 39. Monetary Assets and Liabilities Denominated
in Foreign Currencies
a. Posisi aset dan liabilitas dalam mata uang a. The balances of monetary assets and
asing adalah sebagai berikut: liabilities denominated in foreign currencies
at balance sheet dates are as follows:
Ekuivalen Rp/
Equivalent Rp
2024 2023
Aset Assets
Kas USD 59.594 32.557 Cash
SGD 9.859 14.605
EUR 8.798 11.261
SAR 8.296 250
AUD 2.904 8.308
CNY 2.566 2.201
JPY 2.245 2.502
HKD 1.114 718
GBP 1.036 658
- 98 -
Page 710
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Ekuivalen Rp/
Equivalent Rp
2024 2023
Aset Assets
Demand deposits with Bank
Giro pada Bank Indonesia USD 673.985 420.348 Indonesia
Giro pada bank lain USD 1.274.341 2.354.998 Demand deposits with other banks
AUD 546.101 68.759
SGD 101.321 41.997
CNY 34.985 42.410
EUR 21.055 26.183
JPY 11.275 8.069
HKD 3.594 1.206
NZD 3.548 2.145
SAR 3.011 821
GBP 2.347 5.454
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain USD 3.992.026 4.613.389 and other banks
Efek-efek USD 742.817 810.309 Securities
EUR 24.098 -
Kredit yang diberikan dan piutang/ Loan and receivables/
pembiayaan syariah USD 413.999 530.426 sharia financing
Tagihan akseptasi USD 30.762 50.073 Acceptances receivable
Pendapatan yang masih akan diterima USD 14.231 8.960 Accrued income
Aset lain-lain USD 2.161 6.179 Other assets
JPY - 2.227
Jumlah Aset 7.992.069 9.067.013 Total Assets
Liabilitas Liabilities
Liabilitas segera USD 1.957 8.623 Liabilities immediately payable
SGD 354 349
EUR 4 -
Simpanan USD 6.591.051 6.435.384 Deposits
AUD 549.644 74.867
SGD 104.824 63.770
EUR 45.984 45.696
CNY 36.969 41.685
JPY 7.012 6.598
SAR 2.839 869
GBP 1.027 1.163
NZD 1.023 81
Liabilitas akseptasi USD 30.778 50.082 Acceptances payable
Estimasi kerugian komitmen Estimated losses on commitment
dan kontijensi USD 357 684 and contingencies
Beban yang masih harus dibayar USD 600 2.146 Accrued expenses
Liabilitas lain-lain USD 147.630 6.203 Other liabilities
SGD 13 -
Jumlah Liabilitas 7.522.066 6.738.200 Total liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan USD 193.139 4.692 Deposits
Jumlah Liabilitas dan Dana Total Liabilities and Temporary
Syirkah Temporer 7.715.205 6.742.892 Syirkah Funds
Aset (Liabilitas) Bersih 276.864 2.324.121 Net Assets (Liabilities)
b. Posisi Devisa Neto (PDN) b. Net Open Position (NOP)
Posisi Devisa Neto sesuai Peraturan Net Open Position in accordance with
Otoritas Jasa Keuangan diungkapkan pada Financial Services Authority Regulation are
Catatan 50g. disclosed in Note 50g.
- 99 -
Page 711
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. Pengukuran Nilai Wajar 40. Fair Value Measurement
Tabel berikut menyajikan pengukuran nilai wajar The following table presents the fair value
aset dan liabilitas (tidak termasuk akun syariah): measurement of assets and liabilities (excluding
sharia accounts):
2024
Pengukuran Nilai Wajar Menggunakan:/
Fair Value Measurement Using:
Input Signifikan
yang Tidak
Input Signifikan Dapat
Harga Kuotasian yang Dapat Diobservasi
Dalam Pasar Aktif/ Diobservasi (Level 3)/
(Level 1)/ (Level 2)/ Significant
Quoted Prices Significant Unobservable
Nilai Tercatat/ in Active Markets Observable Inputs Inputs
Carrying Values (Level 1) (Level 2) (Level 3)
Aset yang diukur pada nilai wajar: Assets measured at fair value:
Aset keuangan yang diukur pada
nilai wajar melalui laba rugi Financial assets at FVPL
Efek-efek 3.526.237 3.526.237 - - Securities
Tagihan derivatif 1.855 1.855 - - Derivative receivables
Aset keuangan yang diukur pada
penghasilan komprehensif lain Financial assets at OCI
Efek-efek 12.032.034 12.032.034 - - Securities
Aset tetap yang dicatat pada nilai Property and equipment
revaluasi carried revalued amount
Tanah dan bangunan 608.441 - 652.750 - Land and buildings
Aset yang nilai wajarnya disajikan: Assets for which fair values are disclosed:
Diukur pada biaya perolehan
diamortisasi Measured at amortized cost
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 8.725.976 8.725.976 - - and other bank
Efek-efek 6.565.005 6.565.005 - - Securities
Efek yang dibeli dengan janji Securities bought under agreements
jual kembali 192.215 - 192.215 to repurchase
Kredit yang diberikan - bersih 12.806.287 - 12.806.287 - Loans - net
Tagihan akseptasi - bersih 38.129 - 38.129 - Acceptance receivable - net
Liabilitas yang diukur pada nilai wajar:
Liabilitas keuangan yang diukur pada Liabilities measured at fair value:
nilai wajar melalui laba rugi Financial liabilities at FVPL
Liabilitas derivatif 1.746 1.746 - - Derivative liabilities
Liabilitas yang nilai wajarnya disajikan:
Diukur pada biaya perolehan Liabilities for which fair values are disclosed:
diamortisasi: Measured at amortized cost
Obligasi subordinasi 500.000 451.887 - - Subordinated bonds
2023
Pengukuran Nilai Wajar Menggunakan:/
Fair Value Measurement Using:
Input Signifikan
yang Tidak
Input Signifikan Dapat
Harga Kuotasian yang Dapat Diobservasi
Dalam Pasar Aktif/ Diobservasi (Level 3)/
(Level 1)/ (Level 2)/ Significant
Quoted Prices Significant Unobservable
Nilai Tercatat/ in Active Markets Observable Inputs Inputs
Carrying Values (Level 1) (Level 2) (Level 3)
Aset yang diukur pada nilai wajar: Assets measured at fair value:
Aset keuangan yang diukur pada
nilai wajar melalui laba rugi Financial assets at FVPL
Efek-efek 2.334.543 2.334.543 - - Securities
Tagihan derivatif 27.502 27.502 - - Derivative receivables
Aset keuangan yang diukur pada
penghasilan komprehensif lain Financial assets at OCI
Efek-efek 13.271.678 13.271.678 - - Securities
Aset tetap yang dicatat pada nilai Property and equipment
revaluasi carried revalued amount
Tanah dan bangunan 637.234 - 652.750 - Land and buildings
Aset yang nilai wajarnya disajikan: Assets for which fair values are disclosed:
Diukur pada biaya perolehan
diamortisasi Measured at amortized cost
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 6.263.376 6.263.376 - - and other bank
Efek-efek 2.525.850 2.525.850 - - Securities
Kredit yang diberikan - bersih 15.185.200 - 15.185.200 - Loans - net
Tagihan akseptasi - bersih 78.304 - 78.304 - Acceptance receivable - net
Liabilitas yang diukur pada nilai wajar:
Liabilitas keuangan yang diukur pada Liabilities measured at fair value:
nilai wajar melalui laba rugi Financial liabilities at FVPL
Liabilitas derivatif 3.235 3.235 - - Derivative liabilities
Liabilitas yang nilai wajarnya disajikan:
Diukur pada biaya perolehan Liabilities for which fair values are disclosed:
diamortisasi: Measured at amortized cost
Obligasi subordinasi 500.000 460.245 - - Subordinated bonds
- 100 -
Page 712
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nilai wajar instrumen keuangan yang The fair value of financial instruments traded in
diperdagangkan di pasar aktif adalah active markets is based on quoted market prices
berdasarkan kuotasi harga pasar pada tanggal at the reporting date. A market is regarded as
pelaporan. Pasar dianggap aktif apabila kuotasi active if quoted prices are readily and regularly
harga tersedia sewaktu-waktu dan dapat available from an exchange, dealer, or broker,
diperoleh secara rutin dari bursa, pedagang efek, industry group pricing service, or regulatory
perantara efek, kelompok industri atau badan agency, and those prices represent actual and
penyedia jasa penentuan harga, atau badan regularly occurring market transaction on an
pengatur, dan harga tersebut mencerminkan arm’s lengths basis. The quoted market price
transaksi pasar yang aktual dan rutin dalam used for financial assets held by the Company is
suatu transaksi yang wajar. Kuotasi harga pasar the current bid price. These instruments are
yang digunakan untuk aset keuangan yang included in Level 1.
dimiliki oleh Perusahaan adalah harga
penawaran (bid price) terkini. Instrumen
keuangan seperti ini termasuk dalam hierarki
Level 1.
Nilai wajar instrumen keuangan yang tidak The fair value of financial instruments that are not
diperdagangkan di pasar aktif ditentukan traded in an active market is determined by using
menggunakan teknik penilaian. Teknik penilaian valuation techniques. These valuation techniques
ini memaksimalkan penggunaan data pasar maximize the use of observable market data
yang dapat diobservasi yang tersedia dan where it is available and rely as little as possible
sesedikit mungkin mengandalkan estimasi on entity’s specific estimates. If all significant
spesifik yang dibuat oleh entitas. Jika seluruh inputs required to fair value an instrument are
input signifikan yang dibutuhkan untuk observable, the instrument is included in Level 2.
menentukan nilai wajar dapat diobservasi, maka
instrumen tersebut termasuk dalam hierarki
Level 2.
Jika satu atau lebih input signifikan tidak diambil If one or more of the significant inputs is not based
dari data pasar yang dapat diobservasi, maka on observable market data, the instrument is
instrumen tersebut termasuk dalam hierarki included in Level 3.
Level 3.
Teknik penilaian spesifik yang digunakan untuk Specific valuation techniques used to value
menentukan nilai wajar instrumen keuangan financial instruments include:
termasuk:
• Kuotasi harga pasar atau kuotasi harga • Quoted market prices or dealer quotes for
penjual untuk instrumen sejenis; similar instruments;
• Nilai wajar swap suku bunga dihitung dari • The fair value of interest rate swaps is
nilai kini estimasi arus kas masa depan calculated as the present value of the
berdasarkan kurva hasil yang dapat estimated future cash flows based on
diobservasi; observable yield curves;
• Nilai wajar kontrak mata uang asing • The fair value of forward foreign exchange
berjangka ditentukan berdasarkan kurs contracts is determined using forward
tukar berjangka pada tanggal pelaporan; exchange rates at the reporting date; and
• Teknik penilaian lainnya, seperti analisa • Other techniques, such as discounted cash
arus kas diskonto, digunakan untuk flow analysis, are used to determine fair value
menentukan nilai wajar instrumen keuangan for the remaining financial instruments.
lainnya.
Nilai wajar tidak diungkapkan untuk instrumen The fair value of financial instruments are no
keuangan Perusahaan yang nilai tercatatnya longer disclosed when the carrying values
telah mendekati estimasi nilai wajarnya serta approximates the fair value and financial
instrumen keuangan yang nilai wajarnya tidak instruments with determinable fair value because
dapat diukur dengan andal karena tidak memiliki they have no quoted price in active market or do
kuotasi harga di pasar aktif atau tidak memiliki not have specific due date.
jatuh tempo yang pasti.
- 101 -
Page 713
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. Liabilitas Imbalan Kerja Jangka Panjang 41. Long-term Employee Benefits Liability
Untuk pendanaan imbalan kerja jangka panjang To fund these long-term employee benefits, the
tersebut, Grup menyelenggarakan program Group operates a defined benefit pension plan for
dana pensiun manfaat pasti untuk seluruh all qualified permanent employees. The benefits
karyawan tetap yang memenuhi syarat. Imbalan will be paid at the time the employee retires, is
tersebut akan dibayarkan pada saat karyawan permanently disabled or is terminated.
pensiun, cacat tetap atau diberhentikan.
Grup telah menunjuk PT Asuransi Simas Jiwa The Group has appointed PT Asuransi Simas
untuk mengelola program pensiun tersebut Jiwa to manage the pension program through the
melalui Dana Pensiun Lembaga Keuangan Simas Jiwa Financial Institution Pension Fund,
Simas Jiwa, yang pendiriannya telah disahkan the establishment of which was approved
menurut Keputusan Dewan Komisioner Otoritas according to Decision of the Financial Services
Jasa Keuangan No. KEP-61/NB.1/2018 tanggal Authority Commissioner Board No. KEP-61/NB.1/
16 Oktober 2018 mengenai Pengesahan atas 2018 dated October 16, 2018 concerning
Peraturan Dana Pensiun dari Dana Pensiun Ratification of the Pension Fund Regulation from
Lembaga Keuangan (DPLK) Simas Jiwa. the Financial Institution Pension Fund (DPLK)
Simas Jiwa.
Perhitungan aktuaria terakhir atas liabilitas The latest actuarial calculation of the long-term
imbalan kerja jangka panjang dilakukan oleh employee benefits liability is performed by Indra
Kantor Konsultan Aktuaria (KKA) Indra Catarya Catarya Situmeang and Partner: Actuarial
Situmeang dan Rekan, aktuaris independen, Consultant Office (KKA), an independent actuary,
dengan laporan terakhir tertanggal 13 Maret with the latest report dated March 13, 2025.
2025.
Jumlah karyawan yang berhak atas imbalan Number of eligible employees (Company
kerja (iuran Perusahaan) jangka panjang contribution) is 4,708 and 4,666 for the years
tersebut masing-masing sebanyak 4.708 dan ended December 31, 2024 and 2023,
4.666 karyawan periode 31 Desember 2024 dan respectively.
2023.
Jumlah yang diakui dalam laporan laba rugi dan The liabilities amount included in the consolidated
penghasilan komprehensif lain konsolidasi statement of financial position arising from the
sehubungan dengan imbalan pasti adalah obligation in respect of its defined benefit plan is
sebagai berikut: as follows:
2024 2023
Nilai kini kewajiban imbalan pasti 93.240 84.019 Present value of funded defined-benefit
Nilai wajar aset program (48.491) (48.593) Fair value of plan assets
Jumlah liabilitas imbalan kerja
jangka panjang 44.749 35.426 Total long-term employee benefits liability
Jumlah-jumlah yang diakui dalam Iaporan laba Amount recognized in the statement of profit or
rugi dan penghasilan komprehensif lain loss and other comprehensive income in respect
sehubungan dengan imbalan pasti adalah of this benefit plans are as follows:
sebagai berikut:
2024 2023
Biaya jasa kini 13.845 12.232 Current service costs
Biaya jasa lalu - (460) Past service costs
Biaya bunga neto 5.291 4.529 Net interest expense
Pendapatan Bunga Dari Aset Program (3.192) - Interest revenue from Asset Program
Kelebihan Pembayaran Imbalan Kerja 10.808 - Excess in benefit payment
Komponen biaya (pendapatan) imbalan Components of defined benefit costs
pasti yang diakui di laba rugi 26.752 16.301 (income) recognized in profit or
Pengukuran kembali liabilitas imbalan pasti- Remeasurement on the defined benefit
kerugian aktuarial sebagai liability actuarial losses/(gains) as other
penghasilan komprehensif lain 1.491 2.984 comprehensive income
Jumlah 28.243 19.285 Total
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Page 714
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Biaya dan pendapatan imbalan pasti untuk tahun The defined benefit income and costs for the year
yang berakhir 31 Desember 2024 dan 2023 ended December 31, 2024 and 2023, are
masing-masing sebesar Rp26.752 dan Rp26,752 and Rp16,301, respectively, are
Rp16.301, disajikan sebagai bagian dari “Beban presented as part of “General and administrative
umum dan administrasi” dan “Pendapatan expenses” and “Other operating revenue –
operasional lainnya – Lain-lain” (Catatan 31). Others” (Notes 31).
Mutasi liabilitas imbalan kerja jangka panjang Movements of long-term employee benefit
yang diakui di laporan posisi keuangan adalah obligations recognized in the statement of
sebagai berikut: financial position follows:
2024 2023
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
awal tahun 35.426 36.141 at beginning of the year
Beban (pendapatan) imbalan kerja Long-term employee benefits liability
jangka panjang tahun berjalan 26.752 16.301- expense (income) during the year
Pembayaran selama tahun
Kerugian komprehensif lain berjalan 1.491 2.984 Payments made duringlosses
Other comprehensive the year
Kelebihan Pembayaran Imbalan Kerja (10.808) - Excess in benefit payment
Iuran Bank (8.112) (20.000) Bank's contribution
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
akhir tahun 44.749 35.426 reserve at end of the year
Mutasi nilai wajar aset program adalah sebagai Movement of fair value of plan assets as follow:
berikut:
2024 2023
Saldo awal tahun 48.593 32.109 Balance at the beginning of the year
Kontribusi pemberi kerja 8.112 20.000 Contributions from the employer
Pembayaran Imbalan (11.075) (6.480) Benefits paid
Pendapatan Bunga Dari Aset Program 3.192 - Interest revenue from Asset Program
Keuntungan/(kerugian)
aktuaria-aset program (331) 2.964 Actuarial gain/(loss)-asset program
Saldo akhir tahun 48.491 48.593 Balance at the end of the year
Investasi aset program terdiversifikasi dengan Investments are well-diversified, such that the
baik, sehingga kegagalan salah satu investasi failure of any single investment would not have a
tidak memiliki dampak material terhadap material impact on the overall level of assets. The
keseluruhan aset program. Porsi terbesar aset largest proportion of assets is invested in equities,
investasi ditempatkan pada instrumen ekuitas, although the Company also invests in property,
meskipun Perusahaan juga berinvestasi pada bonds, hedge funds and cash.
properti, obligasi, instrumen lindung nilai dan
kas.
Perusahaan meyakini bahwa instrumen ekuitas The Company believes that equities instrument
memberikan imbal hasil yang paling baik dalam offers the best returns over the long term with an
jangka panjang pada tingkatan risiko yang dapat acceptable level of risk.
diterima.
Asumsi-asumsi aktuarial utama yang digunakan Principal actuarial assumptions used in the
dalam perhitungan imbalan kerja jangka valuation of the long-term employment benefits
panjang: are as follows:
2024 2023
Usia pensiun normal (tahun) 55 55 Normal retirement age (years)
Tingkat diskonto tahunan 7,14% 6,79% Annual discount rate
Tingkat kenaikan gaji tahunan 2,38% 2,38% Annual increase of salary rate
Tingkat perputaran karyawan: Employee turn over
sampai dengan usia 40 tahun 9% 9% up to the age of 40 years old
sampai dengan saat usia 55 tahun 0% 0% up to the age of 55 years old
Tabel mortalita TMI 4 TMI 4 Mortality rate table
- 103 -
Page 715
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Analisa sensitivitas dari perubahan asumsi- The sensitivities of the overall long-term
asumsi utama terhadap liabilitas imbalan kerja employee benefit liabilities to changes in the
jangka panjang adalah sebagai berikut: weighted principal assumptions are as follows:
2024
Kenaikan (Penurunan) Liabilitas Imbalan Pasti/
Long-term Employee Benefit Increase (Decrease)
Perubahan Kenaikan Penurunan
Asumsi/ Asumsi/ Asumsi/
Changes in Increase in Decrease in
Assumptions Assumptions Assumptions
Tingkat diskonto 1% (8.663) 7.837 Discount rate
Tingkat pertumbuhan gaji 1% 8.238 (9.013) Salary growth rate
2023
Kenaikan (Penurunan) Liabilitas Imbalan Pasti/
Long-term Employee Benefit Increase (Decrease)
Perubahan Kenaikan Penurunan
Asumsi/ Asumsi/ Asumsi/
Changes in Increase in Decrease in
Assumptions Assumptions Assumptions
Tingkat diskonto 1% (6.753) 7.696 Discount rate
Tingkat pertumbuhan gaji 1% 7.966 (7.090) Salary growth rate
42. Saldo Laba yang Ditentukan Penggunaannya 42. Appropriated Retained Earnings
Berdasarkan Rapat Umum Pemegang Saham In the General Meeting of Shareholders, which
yang didokumentasikan dalam Akta Berita Acara was stated in Deed of Minutes of Annual General
Rapat Umum Pemegang Saham Tahunan PT Meeting of Shareholders of PT Bank Sinarmas
Bank Sinarmas Tbk No. 21 tanggal 16 Mei 2024 Tbk. No. 21 dated May 16, 2024 from Aulia
dari Aulia Taufani, S.H., notaris di Jakarta, Taufani, S.H., notary in Jakarta, the shareholders
pemegang saham menyetujui untuk agreed to set aside retained earnings of Rp500 for
menyisihkan saldo laba sebesar Rp500 untuk general reserve.
cadangan umum.
Berdasarkan Rapat Umum Pemegang Saham In the General Meeting of Shareholders, which
yang didokumentasikan dalam Akta Berita Acara was stated in Deed of Minutes of Annual General
Rapat Umum Pemegang Saham Tahunan PT Meeting of Shareholders of PT Bank Sinarmas
Bank Sinarmas Tbk No. 133 tanggal 27 Juni Tbk. No. 133 dated June 27, 2023 from Aulia
2023 dari Aulia Taufani, S.H., notaris di Jakarta, Taufani, S.H., notary in Jakarta, the shareholders
pemegang saham menyetujui untuk agreed to set aside retained earnings of Rp500 for
menyisihkan saldo laba sebesar Rp500 untuk general reserve.
cadangan umum.
Pada tanggal 31 Desember 2024 dan 2023, As fo December 31, 2024 and 2023, outstanding
saldo laba yang ditentukan penggunaannya appropriated retained earnings for general
untuk cadangan umum adalah masing-masing reserve amounted to Rp10,000 and Rp9,500,
sebesar Rp10.000 dan Rp9.500. respectively.
43. Kontinjensi 43. Contingencies
Grup menghadapi perkara hukum atau gugatan The Group is a party to certain lawsuits or claims
yang timbul dari kegiatan normal usahanya. arising from their ordinary course of business. The
Manajemen Perusahaan bersama dengan Company’s management and legal counsels
penasehat hukum berpendapat bahwa liabilitas believe that the eventual liabilities under these
akhir atas perkara hukum atau gugatan tersebut, lawsuits or claims, if any, will not have a material
jika ada, tidak memiliki pengaruh yang material effect on the financial statements, thus, no
terhadap laporan keuangan. Oleh karena itu, provision has been made for these contingent
tidak ada provisi yang dibentuk atas liabilitas liabilities.
kontinjensi tersebut.
- 104 -
Page 716
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. Informasi Segmen 44. Segment Information
a. Segmen Usaha a. Operating Segments
Informasi segmen Perusahaan disajikan The Company’s segment information is
berdasarkan jenis kegiatan usahanya, yakni presented based on its business activities,
pemasaran dan kredit, treasury, dan ekspor- namely marketing and credit, treasury, and
impor. Kegiatan usaha tersebut menjadi trade finance. These business activities are
dasar pelaporan informasi segmen primer the basis of Company’s operating segment
Perusahaan, sebagai berikut: information, which follows:
Laporan laba rugi dan penghasilan Consolidated statement of profit or loss and
komprehensif lain konsolidasian: comprehensive income:
2024
Bank Umum/ Bank Umum Syariah/
Commercial Bank Sharia Bank
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Pendapatan Revenues
Pendapatan bunga dan Interest revenues and
pendapatan syariah 1.587.171 1.429.107 2.635 480.336 289.654 3.788.903 sharia income
Pendapatan operasional lainnya 231.018 208.066 6.806 65.119 1.141 512.150 Other operating revenues
Jumlah Pendapatan 1.818.189 1.637.173 9.441 545.455 290.795 4.301.053 Total Revenues
Beban Expenses
Interest expenses and
Beban bunga dan beban syariah 737.743 91.865 - 355.686 4.801 1.190.095 sharia expenses
Beban operasional lainnya 129.718 10.487 (322) (782) - 139.101 Other operating expenses
Jumlah Beban 867.461 102.352 (322) 354.904 4.801 1.329.196 Total Expenses
Pendapatan segmen - bersih 2.971.857 Segment revenues - net
Pendapatan yang tidak dapat
dialokasikan 464.198 Unallocated revenues
Beban yang tidak dapat dialokasikan 2.997.239 Unallocated expenses
Laba sebelum pajak 438.816 Income before tax
Beban pajak (68.679) Tax expense
Laba bersih 370.137 Net Income
2023
Bank Umum/ Bank Umum Syariah/
Commercial Bank Sharia Bank
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Pendapatan Revenues
Pendapatan bunga dan Interest revenues and
pendapatan syariah 1.312.836 1.468.252 707 555.063 178.953 3.515.811 sharia income
Pendapatan operasional lainnya 218.206 110.239 2.796 41.626 - 372.867 Other operating revenues
Jumlah Pendapatan 1.531.042 1.578.491 3.503 596.689 178.953 3.888.678 Total Revenues
Beban Expenses
Interest expenses and
Beban bunga dan beban syariah 586.871 46.052 - 257.742 1.827 892.492 sharia expenses
Beban operasional lainnya 644.884 234.098 1.738 126.929 - 1.007.649 Other operating expenses
Jumlah Beban 1.231.755 280.150 1.738 384.671 1.827 1.900.141 Total Expenses
Pendapatan segmen - bersih 1.988.537 Segment revenues - net
Pendapatan yang tidak dapat
dialokasikan 553.198 Unallocated revenues
Beban yang tidak dapat dialokasikan 2.468.157 Unallocated expenses
Laba sebelum pajak 73.578 Income before tax
Beban pajak 2.218 Tax expense
Laba bersih 75.796 Net Income
- 105 -
Page 717
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Laporan posisi keuangan konsolidasian: Consolidated statement of financial position:
2024
Bank Umum/ Bank Umum Syariah/
Commercial Bank Sharia Bank
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Aset Assets
Aset segmen 10.873.278 32.539.963 38.129 2.708.864 6.600.417 52.760.651 Segment assets
Aset yang tidak dapat
dialokasikan 2.863.782 Unallocated assets
Jumlah Aset 55.624.433 Total Assets
Liabilitas Liabilities
Liabilitas segmen 36.720.261 1.392.278 185.275 1.364.310 - 39.662.124 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 437.166 Unallocated liabilities
Dana Syirkah Temporer 6.925.521 - 6.925.521 Temporary Syirkah Funds
Jumlah Liabilitas dan Dana Total Liabilities and Temporary
Syirkah Temporer 47.024.811 Syirkah Funds
2023
Bank Umum/ Bank Umum Syariah/
Commercial Bank Sharia Bank
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Aset Assets
Aset segmen 11.805.803 32.998.868 78.339 4.660.759 363.474 49.907.243 Segment assets
Aset yang tidak dapat
dialokasikan 2.727.753 Unallocated assets
Jumlah Aset 52.634.996 Total Assets
Liabilitas Liabilities
Liabilitas segmen 35.317.113 1.559.673 222.635 312.464 1 37.411.886 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 377.022 Unallocated liabilities
Dana Syirkah Temporer 7.019.320 - 7.019.320 Temporary Syirkah Funds
Jumlah Liabilitas dan Dana Total Liabilities and Temporary
Syirkah Temporer 44.808.228 Syirkah Funds
b. Segmen Geografis b. Geographical Segments
Pendapatan bunga dan pendapatan syariah Interest revenues and sharia income based
berdasarkan wilayah geografis adalah on geographical segments are as follows:
sebagai berikut:
2024 2023
DKI Jakarta 3.365.083 2.980.661 Jakarta - Capital City
Pulau Jawa (diluar Jakarta) 176.991 222.872 Java Island (excluding Jakarta)
Pulau Sumatera 135.692 165.784 Sumatera Island
Pulau Sulawesi dan Maluku 43.752 59.936 Sulawesi and Maluku Island
Pulau Kalimantan 39.272 46.404 Kalimantan Island
Pulau Bali dan Lombok 28.113 40.154 Bali and Lombok Island
Jumlah 3.788.903 3.515.811 Total
Nilai tercatat aset segmen dan tambahan The carrying values of segment assets and
atas aset tetap berdasarkan wilayah additions to property and equipment
geografis atau lokasi aset tersebut adalah classified based on geographical region or
sebagai berikut: location of the assets are as follows:
- 106 -
Page 718
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nilai Tercatat Aset Segmen/ Penambahan Aset Tetap/
Carrying Values of Segment Assets Additions to Property and Equipment
2024 2023 2024 2023
DKI Jakarta 48.424.115 45.297.676 102.222 156.712 Jakarta - Capital City
Pulau Jawa Java Island
(diluar Jakarta) 1.973.918 1.877.378 26.810 6.960 (excluding Jakarta)
Pulau Sumatera 1.349.371 1.437.252 11.438 1.760 Sumatera Island
Pulau Sulawesi dan Maluku 405.503 525.739 4.137 423 Sulawesi and Maluku Island
Pulau Kalimantan 321.597 406.887 4.548 355 Kalimantan Island
Pulau Bali dan Lombok 286.111 362.262 4.448 350 Bali and Lombok Island
Pulau Papua 36 49 (595) 129 Papua Island
Jumlah 52.760.651 49.907.243 153.008 166.689 Total
45. Tujuan dan Kebijakan Manajemen Risiko 45. Financial Risk Management Objectives and
Keuangan Policies
Grup menyadari bahwa situasi lingkungan Group realizes that the Group’s external and
eksternal dan internal Grup telah mengalami internal environment has developed, followed by
perkembangan yang diikuti dengan semakin the increasingly complex risks of Banking
kompleksnya risiko kegiatan usaha Perbankan business activities and the increasing need for
dan meningkatnya kebutuhan akan praktek tata good corporate governance practices. In
kelola yang sehat (Good Corporate response to these conditions, the Group has
Governance). Sebagai tanggapan terhadap implemented an adequate risk management
kondisi tersebut, Grup telah framework referring to the pillars and provisions
mengimplementasikan kerangka menajemen contained in the rules and regulations of the
risiko yang memadai mengacu pada pilar-pilar authorities which are adjusted to the objectives,
dan ketentuan yang tercantum dalam peraturan policies, size and complexity of the business as
dan ketentuan otoritas yang disesuaikan dengan well as the Group's capabilities, which include:
tujuan, kebijakan, ukuran dan kompleksitas
usaha serta kemampuan Grup, yang meliputi:
a. Pengawasan Aktif dari Dewan Komisaris a. Active Oversight from the Board of
dan Direksi; Commissioners and Directors;
b. Kecukupan kebijakan, prosedur, dan b. Adequacy of policies, procedures, and
penetapan limit; determination of limits;
c. Kecukupan proses identifikasi, pengukuran, c. Adequacy of the identification, measurement,
pengawasan, dan pengendalian risiko, serta supervision and risk control processes, as
sistem informasi manajemen risiko; well as the risk management information
system;
d. Sistem pengendalian internal. d. Internal control system.
Kerangka tersebut digunakan Grup sebagai This framework is used by the Group as an
bagian integral dari menetapkan strategi, struktur integral part of establishing strategy,
organisasi, kebijakan dan pedoman serta organizational structure, policies and guidelines
memperkuat infrastruktur manajemen risiko as well as strengthening risk management
guna mempertahankan tingkat kesehatan bank infrastructure to maintain the soundness of the
dan memastikan bahwa semua risiko yang bank and ensure that all risks faced can be
dihadapi dapat diidentifikasi, diukur, properly identified, measured, controlled,
dikendalikan, dimitigasi dan dilaporkan dengan mitigated and reported as well as the business
baik serta aktivitas usaha yang dilakukan Grup activities conducted by the Group do not cause
tidak menimbulkan kerugian yang melebihi losses that exceed the Group's capabilities or may
kemampuan Grup atau dapat mengganggu interfere with the Group's business continuity.
kelangsungan usaha Grup.
Penerapan manajemen risiko dilakukan secara The implementation of risk management is carried
konsolidasi baik dari sisi Bank Sinarmas selaku out in a consolidated manner from both Bank
induk perusahaan maupun Bank Nano Syariah Sinarmas as the parent company and Bank Nano
selaku anak usaha, antara lain terkait Syariah as the subsidiary, including aspects
pengelolaan risiko atas produk-produk dana related to the management of risks associated
pihak ketiga, portofolio kredit dan pembiayaan, with third-party funds, credit and financing
pengelolaan likuiditas, dan aktivitas operasional. portfolios, liquidity management, and operational
activities.
- 107 -
Page 719
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Grup telah menerapkan konsep 3 (tiga) Lapis The Group has implemented the concept of 3
Model (three lines model), membagi fungsi- (three) lines of model, dividing the functions within
fungsi di dalam organisasi yang terlibat di dalam the organization involved in risk management into
manajemen risiko menjadi tiga kelompok, yaitu three groups, namely risk owner, risk overseer,
pemilik risiko (risk owner), pengawas risiko (risk and independent assurance provider. In addition,
overseer), dan penyedia pemastian independen. the organization can also involve external parties
Di samping itu, organisasi dapat pula melibatkan as an additional layer.
pihak eksternal sebagai lapis tambahan.
Lapis pertama adalah pemilik risiko yang The first layer is the risk owner who is responsible
bertanggung jawab mengelola risiko, dan for managing risk, and implementing internal
menerapkan pengendalian internal dalam controls in daily work, as well as taking corrective
pekerjaan sehari-hari, serta melakukan tindakan actions in overcoming weaknesses in processes
korektif dalam mengatasi kelemahan pada and controls. The second layer is a function or
proses dan pengendalian. Lapis kedua adalah organizational unit that helps build, monitor the
fungsi atau unit organisasi yang membantu first layer of controls, and ensure that the first
membangun dan memantau pengendalian lapis layer carries out its responsibilities adequately.
pertama serta memastikan lapis pertama This function is carried out by the risk
melakukan tanggung jawabnya dengan management group, the compliance group and
memadai. Fungsi ini dilakukan oleh satuan kerja quality assurance. The third layer is internal audit,
manajemen risiko (risk management group), which independently ensures the implementation
satuan kerja kepatuhan (compliance group), dan of the first and second layers of governance, risk
penjaminan mutu (quality assurance). Lapis management and internal control. Additional
ketiga adalah audit internal yang memastikan layers are carried out by external auditors and
secara independen pelaksanaan dari lapis regulators who provide additional information on
pertama dan lapis kedua terhadap tata kelola, the implementation of bank risk management to
manajemen risiko, dan pengendalian internal. stakeholders.
Untuk lapis tambahan dilakukan oleh auditor
eksternal dan regulator yang memberikan
tambahan informasi penerapan manajemen
risiko bank kepada para pemangku kepentingan.
Pada Semester II Tahun 2024, Perusahaan In Second Semester of 2024, the Company
secara berkesinambungan akan dan/atau telah will continuously and/or has made several
melakukan beberapa upaya dalam efforts to improve the credit process and credit
penyempurnaan proses kredit dan monitoring monitoring to minimize credit risk. Among the
kredit untuk meminimalkan risiko kredit. Di efforts that the Company has made include:
antaranya upaya yang telah dilakukan
Perusahaan antara lain:
• Melakukan pengkinian Kebijakan/Standar • Updating Policies/Standar Operating
Operating Procedure (SOP), Surat Edaran Procedure (SOP), Circular Letter, Circular
(SE), Surat Keputusan (SK) untuk Letter to improve the credit process end-
menyempurnakan proses kredit secara end to end adjusted to changes in business
to end disesuaikan dengan perubahan factors or strategies, risk exposure, risk
faktor atau stratejik bisnis, eksposur risiko, profile and applicable regulatory
profil risiko dan ketentuan regulator yang provisions;
berlaku;
• Mengoptimalkan peningkatan kredit sesuai • Optimize credit increase according to the
Rencana Bisnis Perusahaan dengan Company’s Business Plan by channeling
penyaluran kredit yang dilakukan secara credit in a prudent manner and applying
prudent dan menerapkan prinsip kehati- the principle of prudence to debtors by
hatian kepada debitur dengan considering sectors that have potential
mempertimbangkan sektor yang masih and those that still have business
potensial dan yang masih memiliki prospek prospects, fixed asset collateral and/or
usaha, agunan aset tetap dan/atau skema credit guarantee schemes through
penjaminan kredit melalui lembaga guarantee institutions to minimize credit
penjaminan untuk meminimalkan risiko risk;
kredit;
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Page 720
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Melakukan peningkatan frekuensi dan • Increase the frequency and quality of
kualitas pemantauan kredit, monitoring credit monitoring, monitoring of
pembayaran angsuran/kewajiban debitur/ installment payments/customer
nasabah serta melakukan follow up dan obligations and conducting follow-up and
memenuhi komitmen atas temuan/ fulfilling commitments on
rekomendasi OJK, meningkatkan efektifitas findings/recommendations from OJK,
dan efisiensi penagihan kredit bermasalah, increasing the effectiveness and
serta memantau kondisi usaha debitur efficiency of collecting non-performing
melalui indikator Early Warning; loans, and monitor the debtor’s business
condition through Early Warning
indicators;
• Melakukan trade checking untuk melihat • Conducting trade checking to assess the
hubungan kerjasama dan performance cooperation relationship and performance
debitur, memantau realisasi pemenuhan of the debtor, monitoring the realization of
dokumen covenant kredit sesuai yang the fulfillment of credit covenant
disyaratkan pada Offering Letter dan documents as required in Offering Letter,
menindaklanjuti apabila terjadi and following up in case of any deviations.
penyimpangan;
• Melakukan upaya restrukturisasi kepada • To undertake restructuring efforts for
debitur-debitur yang mengalami penurunan debtors who are experiencing decline in
usaha dengan tetap memperhatikan business while still considering the
ketentuan baik dari karakter debitur, usaha provisions regarding debtor's character,
yang masih berjalan sebagai sumber the business that is still operating as a
pembayaran, prospek usaha, masih source of payment, business prospects,
memiliki kemampuan membayar; and has ability to pay;
• Mengupayakan penyaluran kredit ke sektor • Striving for credit distribution to sectors
yang tergolong sustainable financing that are considered as sustainable
dengan tetap memperhatikan kondisi financing while still paying attention to the
ekonomi dan risk appetite Perusahaan; economic conditions and the Company's
risk appetite;
• Memantau progress penyelesaian nasabah • Monitor the progress of settlement of Non-
Non Performing Loan dengan memantau Performing Loan customers through
ketepatan pembayaran setelah monitoring the accuracy of payments after
restrukturisasi dilakukan, penagihan yang the restructuring is carried out, intensive
intensif (lisan atau tertulis), dilakukan billing (oral or written), conducting
lelang/agunan yang diambil alih (AYDA), auctions/foreclosed assets, write-off, and
hapus buku, dan mengoptimalisasi optimizing the recovery of non-performing
pemulihan kredit bermasalah; loans;
• Optimalisasi penanganan penyelesaian • Optimization the handling of non-
kredit bermasalah dan eksekusi Hak performing loan settlements and
Tanggungan melalui kerjasama dengan execution of Mortgage Rights through
pengacara dan balai lelang swasta serta collaboration with lawyers and private
melakukan optimalisasi terhadap proses auction houses as well as optimization the
penagihan, restrukturisasi, pengawasan billing process, restructuring, monitoring
progress penagihan baik pada akun hapus the progress of billing both on write off
buku, NPL, dan AYDA, serta melakukan account, NPL, and foreclosed assets, as
kerjasama jasa penagihan melalui pihak well as cooperating in collection services
ketiga; through third parties;
• Secara bertahap dan berkesinambungan, • Gradually and continuously, the Company
Perusahaan berupaya mengurangi seeks to reduce core debtor exposure,
eksposur debitur inti, melakukan diversify its portfolio thoroughly and
diversifikasi portofolio secara menyeluruh evenly in the economic sector owned by
dan merata pada sektor ekonomi yang the Company and increase the provision
dimiliki Perusahaan dan meningkatkan of funds in economic sectors that have not
penyediaan dana pada sektor ekonomi yang exceeded their risk appetite and/or risk
belum melampaui risk appetite dan/atau risk tolerance;
tolerance;
- 109 -
Page 721
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Secara bertahap Perusahaan berupaya • Gradually the Company seeks to increase
meningkatkan pembentukan CKPN untuk the formation of allowance for non
NPL mencapai 100% untuk memitigasi performing loan to reach 100% to mitigate
potensi risiko kerugian yang diakibatkan the potential risk of loss caused by non-
kredit bermasalah akibat penurunan performing loans due to a decrease in the
kemampuan bayar debitur atau gagal bayar; debtor's ability to pay or default;
• Bank melakukan penyesuaian pada • The Company made adjustments of
kebijakan internal dalam hal penanganan internal policies in terms of handling
kredit restrukturisasi Covid-19 pasca Covid-19 restructuring loans after the end
berakhirnya stimulus restrukturisasi kredit of restructuring stimulus and removal of
perbankan dan penghapusan tagging Covid-19 restructuring tagging;
restrukturisasi Covid-19;
• Melakukan monitoring terhadap Penyediaan • Periodically monitor the Provision of
Dana kepada pihak terkait dan selain pihak Funds to relevant parties and non-
terkait sebagaimana yang diatur dalam relevant parties as stipulated in the OJK
ketentuan OJK tentang Batas Maksimum provisions on the Maximum Legal
Pemberian Kredit (BMPK) Bank Umum yang Lending Limit (LLL) for Commercial
dilakukan secara periodik; Banks;
• Melakukan perhitungan Rasio Pembiayaan • Calculate the Macroprudential Inclusive
Inklusif Makroprudensial untuk Financing Ratio for Conventional and
Konvensional dan UUS sesuai yang diatur UUS as stipulated in Regulation Number
pada Peraturan Nomor 24/3/PBI/2022 24/3/PBI/2022 concerning the
Tentang Rasio Pembiayaan Inklusif Macroprudential Inclusive Financing Ratio
Makroprudensial (RPIM) Bagi Bank Umum (RPIM) for Conventional Commercial
Konvensional, Bank Umum Syariah, dan Banks, Sharia Commercial Banks, and
Unit Usaha Syariah; Sharia Business Units;
• Melakukan pemantauan Risk Appetite & • Monitor Risk Appetite & Risk Tolerance
Risk Tolerance untuk rasio NPL for the Company's NPL ratio, NPL per
Perusahaan, NPL per Segmentasi, Sektor Segmentation, Economic Sector of Loans
Ekonomi Kredit & Surat Berharga, Debitur & Securities, Core Debtors, Allowance for
Inti, CKPN untuk NPL Bank, CKPN NPL Impairment Losses for Company’s NPL,
Individual, CKPN NPL Kolektif, Rasio Allowance for Impairment Losses for
Pembiayaan Inklusif Makroprudensial Individual NPL, Allowance for Impairment
(RPIM) dan memantau limit sektor ekonomi Losses for Collective NPL,
surat berharga, BMPK pihak terkait dan Macroprudential Inclusive Financing Ratio
selain pihak terkait; (RPIM) and monitoring limits for the
economic sector of securities, LLL for
relevant parties and non- relevant parties;
• Melakukan uji ketahanan (stress test) yang • Conduct stress tests that aim to measure
bertujuan untuk mengukur potensi the potential impact of Non-Performing
terjadinya Non-Performing Loan yang Loans that potentially lead for additional
berpotensi terjadi penambahan allowance for impairment assets
pembentukan CKPN, dan menguji provision, and test the ability of capital
kemampuan ketahanan modal dalam resilience to cover potential losses.
menutup potensi terjadinya kerugian.
Dari sisi operasional, Perusahaan melakukan From an operational perspective, the
beberapa upaya untuk meminimalkan risiko Company makes several efforts to minimize
operasional yang berasal dari sumber-sumber operational risk from risk sources, including:
risiko antara lain:
• Proses Internal: Melakukan kaji ulang • • Internal Process: Conduct periodic
berkala terhadap kebijakan, prosedur, reviews of policies, procedures, carry out
melakukan proses risk assurance terhadap risk assurance processes for the
aktivitas operasional Perusahaan, Company's operational activities, provide
memberikan rekomendasi perbaikan serta recommendations for improvement and
monitoring terhadap implementasinya, serta monitoring of its implementation, as well
melakukan tindak lanjut atas hasil audit as follow up on the results of
internal/eksternal. internal/external audit.
•
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Page 722
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Sistem dan Teknologi: Penerapan proses • • System and Technology: The
manajemen risiko dalam penggunaan implementation of risk management
Teknologi Informasi telah dilaksanakan processes in the use of Information
secara memadai dalam hal pengelolaan Technology has been carried out
pengamanan informasi, pengamanan adequately in terms of managing
terhadap data Perusahaan, dan uji coba information security, securing the
terhadap pengembangan sistem aplikasi. Company’s data, and testing the
development of application systems.
•
• Manusia: Perusahaan memastikan • • Humans: The Company ensures the
kecukupan kuantitas SDM yang diperlukan adequacy of the required quantity of
dan secara berkala berupaya meningkatkan human resources and periodically seeks
kualitas sumber daya manusia melalui to improve the quality of human resources
pelatihan, sosialisasi, refreshment risk/fraud through online training, socialization,
awareness serta Deklarasi Anti Fraud dan refreshment risk/fraud awareness as well
Pakta Integritas yang dilakukan secara as the online Anti-Fraud Declaration and
online. Integrity Pact.
• Faktor eksternal: Perusahaan melakukan • • External factors: The Company has
pengkinian pedoman bagi pengelolaan updated guidelines for comprehensive
kelangsungan usaha yang komprehensif business continuity management with the
dengan tujuan untuk mengantisipasi risiko aim of anticipating operational risks that
operational yang mungkin terjadi dari situasi may occur from emergency/critical
darurat/kritikal karena bencana alam seperti situations due to natural disasters such as
banjir, gempa bumi dan faktor lainnya floods, earthquakes and other factors
seperti kebakaran, gangguan sistem melalui such as fires, system disturbances
Business Continuity Management (BCM) through Business Continuity
dan Disaster Recovery Center (DRC). Management (BCM) and Disaster
Recovery Center (DRC).
Selama Semester II – Desember 2024, seluruh During Second Semester – December 2024, all
aktivitas operasional Perusahaan terkendali dan operational activities of the Company were under
berjalan dengan baik. Perusahaan semakin control and running smoothly. The Company
memperkuat permodalan tercermin dengan further strengthened its capital, reflected in the
jumlah modal secara konsolidasi dengan consolidated capital amount with subsidiary as of
perusahaan anak sebesar Rp8,3 Triliun dan Rp8.3 trillion and CAR as of 31.20% as of
KPMM sebesar 31,20% pada tanggal December 31, 2024.
31 Desember 2024.
Perusahaan melakukan pengelolaan terhadap The Company manages 8 (eight) risks as follows:
8 (delapan) jenis risiko, yang antara lain sebagai
berikut:
Risiko Kredit Credit Risk
Risiko kredit adalah risiko yang terjadi akibat Credit risk is the risk that occurs as a result of
kegagalan pihak lawan (counterparty) memenuhi failure of the counterparty to meet its obligations,
liabilitasnya, yang timbul dari aktivitas fungsional which arise from the Company's functional
Perusahaan seperti perkreditan (penyediaan activities such as credit (provision of funds),
dana), treasury, investasi dan pembiayaan treasury, investment and trade finance.
perdagangan (trade finance).
Dalam mengelola risiko kredit, Perusahaan In managing credit risk, the Company sets limits
menetapkan limit agar eksposur kredit sesuai so that credit exposure is in accordance with the
dengan appetite yang telah ditentukan. appetite that has been determined. Limit
Ketentuan limit dibedakan antar setiap provisions are differentiated between each
segmentasi yaitu Corporate, Channeling/Joint segment, namely Corporate, Channeling/Joint
Financing, Lembaga Keuangan, Mikro, Usaha Financing, Financial Institutions, Micro, Small and
Kecil dan Menengah (SME), Komersial dan Medium Enterprises (SME), Commercial and
Konsumsi. Consumption.
- 111 -
Page 723
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Risk Management Group (Satuan Kerja The Risk Management Group seeks to gradually
Manajemen Risiko) berupaya secara bertahap refine the methodology for effective identification,
menyempurnakan metodologi identifikasi, measurement, monitoring and reporting of risk
pengukuran, pemantauan dan pelaporan information, and periodically reviews the existing
informasi risiko yang efektif, dan mengkaji risk management framework to minimize the
secara berkala kerangka manajemen risiko yang various business risks it faces.
ada untuk meminimalisasi berbagai risiko usaha
yang dihadapi.
Perbaikan dan penyemperunaan dalam proses Improvements in the credit process is disclosed in
kredit Bank diungkapkan pada Notes 50i. Note 50i.
Risiko kredit dikelola melalui penetapan Credit risk is managed through the establishment
kebijakan-kebijakan dan proses-proses yang of policies and processes covering criteria for
meliputi kriteria pemberian kredit dan granting credit and credit approval, pricing,
persetujuan kredit, penetapan harga, monitoring, managing non-performing loans and
pemantauan, pengelolaan kredit bermasalah portfolio management.
dan manajemen portofolio.
Perusahaan telah memiliki kebijakan dan The Company has written policies and guidelines
pedoman tertulis terkait dengan kegiatan on its lending activities in order to manage, among
perkreditan yang antara lain, mengatur prosedur others, credit analysis procedures, credit approval
analisa kredit, persetujuan kredit, pencatatan procedures, credit recording and monitoring
dan pengawasan kredit, dan restrukturisasi procedures, and credit restructuring. These
kredit. Kebijakan dan prosedur tersebut policies and procedures are evaluated or
dievaluasi/dikaji secara berkala untuk reviewed periodically to adjust on the changing
disesuaikan perubahan kondisi serta arah conditions and direction of the Company’s policies
kebijakan Perusahaan agar potensi risiko dapat so that potential risks can be mitigated.
dimitigasi.
Proses pemantauan kualitas kredit sampai The process of monitoring credit quality up to
dengan penanganan kredit bermasalah terus handling non-performing loans continues to
ditingkatkan dengan berbagai strategi yang improve with various strategies that are monitored
dimonitor secara periodik untuk memastikan periodically to ensure that the quality of the loan
agar kualitas portofolio kredit tetap terjaga. portfolio is maintained. Effective credit
Pengelolaan kredit yang efektif dapat management can minimize losses and optimize
meminimalkan kerugian dan mengoptimalkan the use of capital allocated for credit risk. In
penggunaan modal yang dialokasikan untuk addition, managing human resources in quantity
risiko kredit. Selain itu, mengelola sumber daya and quality, as well as preparing work policies and
manusia secara kuantitas dan kualitas, serta procedures.
mempersiapkan kebijakan dan prosedur kerja.
Proses underwriting kredit telah dikaji ulang The credit underwriting process has been
dengan melakukan revisi maupun menerbitkan reviewed by revising or issuing several credit
beberapa kebijakan perkreditan di setiap policies in each credit segment including the
segmen kredit termasuk kewenangan dalam authority to decide credit, credit monitoring,
memutus kredit, monitoring kredit, ketentuan provisions for handling credit/financing affected
penanganan kredit/pembiayaan yang terdampak by the spread of Covid-19 and others.
penyebaran Covid-19 dan lainnya.
Selain itu, untuk mendukung pertumbuhan kredit In addition, to support healthy credit growth, the
yang sehat, Perusahaan juga mengadakan Company also conducts training and workshops,
training dan workshop antara lain mengenai including topics such as Sharing Session on SME
Sharing Session Analisa Kredit SME Loan, Loan Loan Credit Analysis, Loans at T24, Sharia SME
di T24, Analisa Pembiayaan SME Syariah, Financing Analysis, Financial Methods &
Metode & Analisa Keuangan, Benefial Owner Analysis, Beneficial Owner and Multiple Device,
dan Multiple Device, Mekanisme Penghapusan Mechanism for the Elimination of Dependent
Hak Tanggungan (Roya) dalam Proses Rights (Roya) in the Credit Takeover Process,
Pengambilalihan Kredit (Takeover), Analisis SME Credit Analysis, Bank Sinarmas’s Home
Kredit SME, Kredit Pemilikan Rumah (KPR) Ownership Loans (KPR) through Simobiplus,
Bank Sinarmas melalui Simobiplus, Supply Supply Chain Financing Part Pega SCF,
Chain Financing Part Pega SCF, Upgrading Upgrading Knowledge Credit Process and
Knowledge Credit Process and Documentation, Documentation, Primary Mortgage Financing
- 112 -
Page 724
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Proses Underwriting Pembiayaan KPR Primary, Underwriting Process, Micro Credit Socialization,
Sosialisasi Kredit Mikro, Intro to Commercial Intro to Commercial Credit Analysis, Credit Risk
Credit Analysis, Credit Risk and Lending, dan and Lending, and Banking Credit Analysis
Banking Credit Analysis Process, Practical Loan Process, Practical Loan Recovery Up Skill,
Recovery Up Skill, Banking Credit Analysiss Banking Credit Analysiss Process, Collectibility
Process, Mekanisme Proses Adjustment Adjustment Process Mechanism, RA/RT
Kolektibilitas, Analisis RA/RT, Sektor Ekonomi Analysis, Economic Sector and LLL,
dan BMPK, Refreshment: Early Warning Refreshment: Early Warning System, Case Study
System, Bedah Kasus dan Diskusi Penilaian and Discussion on Internal Collateral Valuation
Agunan Internal Collateral Valuation Assessment, Credit Engineering and Validation
Department, Program Teknik dan Validasi Kredit; Program; SMMF Financing; Multifinance
Pembiayaan SMMF; Multifinance Business, Business, Financing Agreement in Islamic Bank,
Akad Pembiayaan di Bank Syariah, Workshop Workshop on Appraisal and Credit Analyst, CAR
Appraisal and Credit Analyst, Perhitungan Modal Calcutation, Sharing Session on KPM
KPMM, Sharing Session Mengenai Alur Proses Disbursement Process in Processing, Discussion
Pencairan KPM di Processing, Pembahasan on Problematic Loans with Collectibility 1 & 2,
Tentang Kredit Bermasalah Kolektibilitas 1 & 2, Procedures for Allowance Of Impairment Loss of
Tata Cara Perhitungan CKPN Kredit, Trade Credit Calculation, Trade Finance and Upgrading
Finance dan Upgrading Knowledge Credit Knowledge on Credit Process and
Process and Documentation, mekanisme Documentation, Mechanism for Collateral
Pelaksanaan Penilaian Agunan Pada Micro Valuation Implementation on Micro Loans, SME
Loan, Analisis Kredit SME, Penilaian Jaminan, Credit Analysis, Collateral Assessment, Palm Oil
Analisa Sawit, Penerbitan Bank Garansi Melalui Analysis, Issuance of Bank Guarantees through
Media Swift, Refreshment Proses Analisa Kredit Swift Media, Refreshment on MSME Credit
MSME, Sosialisasi Katalog AYDA, Pembangkit Analysis Process, Socialization of Foreclosed
Listrik Tenaga Micro Hydro (PLTMH), Assets Catalog, Micro Hydro Power Plant
Pembiayaan Pekerjaan Migran, dan Sharia (PLTMH), Financing for Migrant Workers, and
Restricted Investment Account (SRIA). Sharia Restricted Investment Account (SRIA).
Dalam penerapan transformasi digital yang In the implementation of digital transformation that
berdampak pada proses credit underwriting, has an impact on the credit underwriting process,
Perusahaan telah memiliki risk strategy untuk the Company has a risk strategy for each digital
setiap produk digital loan yang dituangkan ke loan product that is poured into the Credit Risk
dalam Credit Risk Engine dan telah dilakukan Engine and has implemented the One Limit
implementasi One Limit System untuk mengukur System to measure the repayment capacity of
repayment capacity setiap applicant serta each applicant and perform performance
dilakukan analisa performance monitoring. monitoring analysis. The company has also
Perusahaan juga telah melakukan tinjauan atas reviewed the scoring models that have been
scoring model yang telah digunakan, melakukan used, developed new scoring models either by
pengembangan scoring model baru baik dengan statistical methods or expert judgement and
metode statistik ataupun expert judgement dan validated the models, as well as monitored the
dilakukan validasi model, serta monitoring model models periodically. In addition, the Company has
secara berkala. Selain itu, Perusahaan juga telah also conducted an assessment of the Credit
melakukan assessment atas Metodologi Credit Rating Methodology for Corporate debtors as a
Rating untuk debitur Corporate sebagai tindak follow-up to the results of the OJK’s inspection.
lanjut atas hasil pemeriksaan OJK.
Perusahaan telah menyusun strategi dan action The Company had prepared strategies and action
plan untuk aktivitas perkreditan, yang akan lebih plans for lending activities, which will be focused
fokus pada debitur saat ini (exist) terutama yang more on existing debtors especially those
terdampak dan akselerasi proses restrukturisasi affected, and accelerate the restructuration
bagi debitur yang terdampak, dan memberikan process for affected debtors, and selectively
penyaluran kredit kepada debitur-debitur yang applying disbursement restrictions on unused
memiliki jaminan/agunan yang memadai dan dan credit facility and providing credit disbursements
sektor-sektor yang masih memiliki prospek to debtors who have adequate collateral and
usaha. sectors which still holds business prospects.
Dalam hal penanganan pembiayaan In terms of handling non-performing loan, the
bermasalah, Perusahaan telah melakukan Company has taken a number of actions including
sejumlah action diantaranya melakukan restructuring credit, executing mortgage rights,
restrukturisasi kredit, eksekusi hak tanggungan, foreclosed assets, and marketing of collateral
pengambilalihan agunan dan pemasaran through digital and non-digital media.
jaminan melalui media digital dan non digital.
- 113 -
Page 725
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perusahaan telah mengimplementasikan PSAK The Company has implemented SFAS No. 109 in
No. 109 dalam hal pembentukan cadangan terms of allowance for impairment losses on credit
kerugian penurunan nilai kredit sesuai dengan in accordance with the decree of the Financial
penetapan Dewan Standar Akuntansi Keuangan Accounting Standards Board of the Indonesian
Ikatan Akuntan Indonesia (DSAK IAI). Institute of Accountants (DSAK IAI).
Perusahaan telah membangun infrastruktur dan The Company has built IT infrastructure and
sistem IT yang dapat melakukan proses systems that can perform Classification and
klasifikasi dan pengukuran, perhitungan Measurement process, Impairment calculations
penurunan nilai (kolektif dan individu), serta (collective and individual), and Disclosure for
Pengungkapan Laporan. Cakupan penurunan Reporting. The scope for impairment under SFAS
nilai berdasarkan PSAK No. 109 telah No. 109 has taken into account future losses
memperhitungkan kerugian di masa mendatang (expected credit loss model).
(expected credit loss model).
Cadangan kerugian penurunan nilai (CKPN) The allowances for impairment losses using the
dengan menggunakan metode Expected Credit Expected Credit Loss method in accordance with
Loss sesuai dengan ketentuan PSAK No. 109 SFAS No. 109 provisions calculate the
menghitung penurunan nilai pada Portofolio (1) impairment of the Portfolio (1) Credit; (2)
Kredit; (2) Treasury; (3) Trade Finance baik Treasury; (3) Trade Finance on both on balance
untuk on balance sheet maupun off balance sheet and off-balance sheet every month. The
sheet setiap bulan. Perusahaan melakukan Company is conducting modeling of PD, LGD,
pemodelan PD, LGD, EAD dan Forward Looking EAD, and Forward-Looking Macroeconomic
Macroeconomic Information untuk semua Information for all segmentation of financial
segmentasi portofolio instrumen keuangan instrument portfolios in accordance with the
sesuai dengan metodologi yang telah ditentukan methodology determined by the Company.
oleh Perusahaan.
Pengukuran Cadangan Kerugian Kredit Allowances for Expected Credit Losses
Ekspektasian Measurement
Perusahaan mengacu pada PSAK No. 109 yang The Company refers to SFAS No. 109 which
memperkenalkan metode kerugian kredit introduces the expected credit loss method of
ekspektasian dalam mengukur kerugian measuring the loss on a financial instrument due
instrumen keuangan akibat penurunan nilai. to impairment. SFAS No. 109 requires immediate
PSAK No. 109 mensyaratkan pengakuan segera recognition of the effect of changes in expected
atas dampak perubahan kerugian kredit credit losses after the initial recognition of the
ekspektasian setelah pengakuan awal aset financial asset. The Company develops risk
keuangan. Perusahaan mengembangkan parameter modeling such as PD, LGD, and EAD
permodelan parameter risiko seperti PD, LGD which are used as components of calculating
dan EAD yang digunakan sebagai komponen expected credit losses.
perhitungan kerugian kredit ekspektasian.
PSAK No. 109 mensyaratkan entitas untuk SFAS No. 109 requires entities to classify
mengelompokkan aset keuangan ke dalam tiga financial assets into three stages (stage 1, stage
tahapan (tahap 1, tahap 2 dan tahap 3) dengan 2 and stage 3) by determining whether there is a
menentukan apakah terjadi peningkatan risiko significant increase in credit risk. The Company
kredit yang signifikan. Perusahaan mengukur measures the allowance for expected credit
cadangan kerugian sejumlah kerugian kredit losses on 12 months credit loss for financial
ekspektasian 12 bulan untuk aset keuangan assets with low credit risk at the reporting date
yang memiliki risiko kredit rendah pada tanggal (stage 1) and lifetime expected credit losses for
pelaporan (tahap 1) dan kerugian kredit financial assets with a significant increase in
sepanjang umur untuk aset keuangan yang credit risk (stage 2 and stage 3). At each reporting
mengalami peningkatan risiko kredit yang date, the entity assesses whether the credit risk
signifikan (tahap 2 dan tahap 3). Pada setiap on the financial instrument has increased
tanggal pelaporan, entitas menilai apakah risiko significantly since initial recognition. In making
kredit atas instrumen keuangan telah meningkat that assessment, an entity compares the risk of
secara signifikan sejak pengakuan awal. Dalam default on initial recognition and considers
melakukan penilaian tersebut, entitas reasonable and supportable information available
membandingkan risiko gagal bayar pada saat without undue cost or effort, which is an indication
pengakuan awal serta mempertimbangkan of a significant increase in credit risk (SICR) since
informasi yang wajar dan terdukung yang initial recognition.
tersedia tanpa biaya atau upaya berlebihan,
yang merupakan indikasi peningkatan risiko
kredit secara signifikan (SICR) sejak pengakuan
awal.
- 114 -
Page 726
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berikut adalah eksposur maksimum instrumen The maximum exposure of financial instruments
keuangan dalam laporan posisi keuangan dan related to credit risk as shown in the statement of
rekening administratif yang terkait risiko kredit financial position as of December 31, 2024 and
pada tanggal 31 Desember 2024 dan 2023: 2023 follows:
2024
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Laporan Posisi Keuangan Statements of Financial Position
Diukur pada nilai wajar melalui At Fair value through
laba rugi profit and loss
Efek-efek Securities
Reksadana 1.977.049 - - - 1.977.049 Mutual funds
Aset lain-lain Other assets
Piutang derivatif 1.855 - - - 1.855 Derivatif receivables
Diukur pada nilai wajar melalui At Fair value through other
penghasilan komprehensif lain comprehensive income
Efek-efek Securities
Obligasi korporasi 4.399.308 - 463.814 - 4.863.122 Corporate bonds
Diukur pada biaya perolehan dimortisasi Measured at amortized cost
Giro pada bank Indonesia 4.694.100 - - 1.012.337 5.706.437 Demand deposits with Bank Indonesia
Giro pada bank lain - neto 1.883.517 137.472 2.020.989 Demand deposits with other banks - net
Penempatan pada Bank Indonesia Placements with other bank Indonesia
dan bank lain - neto 8.281.976 - - 444.000 8.725.976 and other banks - net
Efek-efek - neto Securities - net
Obligasi korporasi 101.111 - - 67.875 168.986 Corporate bonds
Tagihan atas wesel ekspor 32.820 - - - 32.820 Export bills receivable
Sertifikat pengelolaan dana Sharia complant interbank fund
berdasarkan prinsip syariah - - - 250.000 250.000 management certificate
Sertifikat investasi mudharabah Interbank mudharabah investment
antarbank syariah - - - 400.000 400.000 certificate
Kredit yang diberikan (termasuk Loan (including financing
pembiayaan prinsip syariah) 10.280.336 690.966 210.422 3.174.079 14.355.803 based on sharia principles)
Tagihan akseptasi 38.144 - - - 38.144 Acceptance receivable
Pendapatan yang masih akan diterima 272.974 - - 132.117 405.091 Acrued income
Aset lain-lain 123.626 - - - 123.626 Other assets
Jumlah 32.086.816 690.966 674.236 5.617.880 39.069.898 Total
Komitmen dan Kontinjensi Commitment and Contingencies
Fasilitas kredit kepada debitur
yang belum digunakan 512.494 - - - 512.494 Unused loan commitment to debtor
Bank garansi 789.206 - - 250 789.456 Bank guarantee
Irrevocable letters of credit 29.011 - - - 29.011 Irrevocable letters of credit
Jumlah 1.330.711 - - 250 1.330.961 Total
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Laporan Posisi Keuangan Statements of Financial Position
Diukur pada nilai wajar melalui At Fair value through
laba rugi profit and loss
Efek-efek Securities
Reksadana 2.007.589 - - - 2.007.589 Mutual funds
Aset lain-lan Other assets
Piutang derivatif 27.502 - - - 27.502 Derivatif receivables
Diukur pada nilai wajar melalui At Fair value through other
penghasilan komprehensif lain comprehensive income
Efek-efek Securities
Obligasi korporasi 6.160.841 - - - 6.160.841 Corporate bonds
Diukur pada biaya perolehan dimortisasi Measured at amortized cost
Giro pada bank lain - pihak ketiga 2.656.867 - - - 2.656.867 Demand deposits with other banks
Penempatan pada bank lain 146.272 - - - 146.272 Placements with other banks
Efek-efek Securities
Obligasi korporasi 97.103 - - 10.212 107.315 Corporate bonds
Tagihan atas wesel ekspor 39.147 - - - 39.147 Export bills receivable
Kredit yang diberikan (termasuk Loan (including financing
pembiayaan prinsip syariah) 10.447.656 1.145.890 110.414 5.167.486 16.871.446 based on sharia principles)
Tagihan akseptasi 79.864 - - - 79.864 Acceptance receivable
Pendapatan yang masih akan diterima 300.579 - - 26.172 326.751 Acrued income
Aset lain-lain 141.121 - - - 141.121 Other assets
Jumlah 22.104.541 1.145.890 110.414 5.203.870 28.564.715 Total
Komitmen dan Kontinjensi Commitment and Contingencies
Fasilitas kredit kepada debitur
yang belum digunakan 474.753 - - - 474.753 Unused loan commitment to debtor
Bank garansi 924.115 - - - 924.115 Bank guarantee
Irrevocable letters of credit 103.015 - - - 103.015 Irrevocable letters of credit
Jumlah 1.501.883 - - - 1.501.883 Total
- 115 -
Page 727
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Eksposur maksimum risiko kredit tercermin dari The credit risk maximum exposure is reflected in
persentase setiap kategori kredit yang diberikan the percentage of each category of loan to total
terhadap jumlah kredit. Portofolio kredit yang loan. The Loans portfolio is diversified into
diberikan terdiversifikasi ke dalam 23 jenis sektor 23 types of economic sectors, wherein as of
ekonomi, dimana untuk posisi 31 Desember December 31, 2024, Wholesale and Retail
2024, kelompok sektor ekonomi yang Trades, Repair and maintenance of Cars and
memperoleh penyaluran kredit terbesar dari Motorcycles economic sector, and Households
Perusahaan adalah sektor ekonomi economic sector obtained the largest loans from
Perdagangan Besar dan Eceran, Reparasi dan the Company.
Perawatan Mobil dan Sepeda Motor, dan sektor
ekonomi Rumah Tangga.
Sebagai bagian dari manajemen portofolio, As part of portfolio management, the Company
Perusahaan juga melakukan pemantauan also monitors the development of credit portfolio
perkembangan risiko portofolio kredit melalui risk through of the calculation of Credit Risk
perhitungan Credit Risk Profile yang Profile that describes the potential inherent risks
menggambarkan potensi risiko bawaan dan and the effectiveness of risk management quality
efektivitas kualitas penerapan manajemen risiko. implementation. The Company also monitors the
Perusahaan juga melakukan monitoring development and quality of the portfolio based on
perkembangan dan kualitas portofolio portofolio category concentration, 25 largest
berdasarkan konsentrasi per kategori portofolio, debtors, industrial sector, region, product type,
25 debitur besar, sektor industri, sektor wilayah, purpose of use, and the type of currency.
jenis produk, tujuan penggunaan, dan jenis
valuta.
Dengan demikian, Perusahaan dapat Accordingly, the Company can take anticipatory
mengambil langkah-langkah antisipasi dan measures and risk mitigation in the portfolio as
mitigasi risiko secara portofolio maupun secara well as individually and also through
individu dan juga melalui penyempurnaan proses improvements in credit risk management
penerapan manajemen risiko kredit, baik melalui implementation process, through both
penyempurnaan kebijakan perkreditan maupun improvement of credit policies and the
pengembangan sistem informasi kredit yang development of adequate credit information
memadai. system.
Dalam hal adanya revisi standar pemenuhan In the event of revision on the minimum capital
modal minimum untuk risiko kredit sebagaimana compliance standard for credit risk as stipulated in
diatur dalam standar Basel III: Finalizing Post the Basel III standard: Finalizing Post Crisis
Crisis Reforms (Basel III Reforms) yang Reforms (Basel III Reforms) issued by the Basel
diterbitkan oleh Basel Committee on Banking Committee on Banking Supervision (BCBS), the
Supervision (BCBS), Perusahaan telah Company has implemented the Credit Risk ATMR
mengimplementasikan Laporan Perhitungan Calculation Report with a Standard Approach
ATMR Risiko Kredit dengan Pendekatan Standar since January 1, 2023.
sejak 1 Januari 2023.
Berikut adalah eksposur risiko kredit atas aset The credit risk exposure related to Company’s
Perusahaan (termasuk kredit yang diberikan assets (including loans provided based on sharia
berdasarkan prinsip syariah) pada tanggal principles) is as follow as of December 31, 2024
31 Desember 2024 dan 2023: and 2023 is as follows:
2024
Belum Jatuh Tempo
dan Tidak Mengalami Mengalami
Penurunan Nilai/ Penurunan
Neither Past Due Nilai/ Jumlah/
Nor Impaired Impaired Total
Giro pada bank Indonesia 5.706.437 - 5.706.437 Demand deposits with bank Indonesia
Giro pada bank lain - neto 2.020.989 - 2.020.989 Demand deposits with other banks - net
Penempatan pada bank Indonesia Placements with bank Indonesia
dan bank lain - neto 8.725.976 - 8.725.976 and other banks - net
Efek-efek Securities
Diukur pada nilai wajar melalui At fair value through profit
laporan laba rugi 1.977.049 - 1.977.049 and loss
Diukur pada biaya perolehan
diamortisasi 851.807 - 851.807 Measured at amortized cost
Diukur pada nilai wajar At fair value through other
penghasilan komprehensif lainnya 4.399.307 463.814 4.863.121 comprehensive income
Kredit yang diberikan 14.138.123 217.680 14.355.803 Loans
Tagihan akseptasi 38.144 - 38.144 Acceptance receivable
Pendapatan yang masih akan diterima 405.091 - 405.091 Accrued income
Aset lain-lain 123.626 - 123.626 Other assets
Jumlah 38.386.549 681.494 39.068.043 Total
- 116 -
Page 728
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Belum Jatuh Tempo
dan Tidak Mengalami Mengalami
Penurunan Nilai/ Penurunan
Neither Past Due Nilai/ Jumlah/
Nor Impaired Impaired Total
Giro pada bank lain 2.656.867 - 2.656.867 Demand deposits with other banks
Penempatan pada bank lain 146.272 - 146.272 Placements with other banks
Efek-efek Securities
Diukur pada nilai wajar melalui At fair value through profit
laporan laba rugi 2.007.589 - 2.007.589 and loss
Diukur pada biaya perolehan
diamortisasi 97.103 - 97.103 Measured at amortized cost
Diukur pada nilai wajar At fair value through other
penghasilan komprehensif lainnya 6.815.324 472.760 7.288.084 comprehensive income
Kredit yang diberikan 16.611.442 260.004 16.871.446 Loans
Tagihan akseptasi 79.864 - 79.864 Acceptance receivable
Pendapatan yang masih akan diterima 326.751 - 326.751 Accrued income
Aset lain-lain 141.121 - 141.121 Other assets
Jumlah 28.882.333 732.764 29.615.097 Total
Risiko Pasar Market Risk
Dalam melaksanakan aktivitasnya, Perusahaan In conducting its activities, the Company is
terekspos pada risiko pasar yang terdiri atas exposed to market risk consisting of interest rate
risiko suku bunga dan risiko nilai tukar. Risiko risk and foreign exchange risk. Market risk,
pasar antara lain terdapat pada aktivitas among others exist in the functional activity of the
fungsional Perusahaan seperti kegiatan treasury Company, such as treasury activities and
dan investasi dalam surat berharga dan pasar investments in securities and money markets,
uang, kegiatan pendanaan dan penerbitan surat financing activities and the issuance of debt and
utang, serta kegiatan pembiayaan perdagangan. trade financing activities (trade finance). The
Perusahaan senantiasa melakukan pengelolaan Company always managing the management of
terhadap risiko pasar tersebut secara rutin market risk on a regular basis and/or periodically.
dan/atau berkala.
Pemantauan dan pengukuran terhadap risiko Monitoring and measurement of market risk are
pasar dilakukan secara harian, mingguan, conducted daily, weekly, monthly, and quarterly,
bulanan dan triwulan antara lain pemantauan including the monitoring of the positions of
posisi surat berharga yang dimiliki Perusahaan, securities held by the Company, Net Open
Posisi Devisa Neto (PDN), Value at Risk (VaR) Position (NOP), Value at Risk (VaR) of exchange
nilai tukar, Present Value of One Basis Poin rates, Present Value of One Basis Point Changes
Changes (PV01), Interest Rate Risk in Banking (PV01), Interest Rate Risk in the Banking Book
Book (IRRBB), Unrealized Profit/Loss, serta (IRRBB), Unrealized Profit/Loss, as well as
Holding Period dan Off Market Rate (OMR), Holding Period and Off Market Rate (OMR),
ATMR risiko pasar serta pemantauan terhadap ATMR market risk, and monitoring of the limits
limit-limit yang telah ditetapkan Perusahaan dan established by the Company and Regulator.
Regulator.
Selain itu Perusahaan secara berkala melakukan In addition, the Company periodically calculates
perhitungan stress test terkait risiko suku bunga, stress tests related to interest rate risk, exchange
risiko nilai tukar dan risiko harga dengan 3 jenis rate risk and price risk with 3 types of scenarios
skenario dan asumsi yaitu Skenario Baseline, and assumptions, namely Baseline Scenario,
Skenario Moderate dan Skenario Severe yang Moderate Scenario and Severe Scenario which
menunjukkan kondisi stressed dengan show stressed conditions by taking into account
memperhatikan kondisi makro ekonomi di pasar macroeconomic conditions in the market and
serta pergerakan kondisi stressed menggunakan movements of stressed conditions using historical
data historikal yang pernah terjadi. Asumsi data that has occurred. Assumptions and/or
dan/atau skenario serta hasil stress testing scenarios and results of stress testing are
disampaikan dan disetujui oleh Komite submitted and approved by the Risk Management
Manajemen Risiko dan/atau Direksi melalui rapat Committee and/or Board of Directors through risk
komite manajemen risiko atau melalui sirkulasi management committee meetings or through the
Memorandum Internal atau melalui e-mail. circulation of Internal Memorandums or via e-mail.
- 117 -
Page 729
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
a. Risiko Suku Bunga a. Interest Rate Risk
Risiko Suku Bunga dalam buku Bank atau Interest Rate Risk in The Banking Book
Interest Rate Risk in The Banking Book (IRRBB) is a risk due to interest rate
(IRRBB) merupakan risiko akibat movements in the market that are opposite to
pergerakan suku bunga di pasar yang the Banking Book position, which has the
berlawanan dengan posisi Banking Book, potential to have an impact on the Company's
yang berpotensi memberikan dampak capital and earnings both now and in the
terhadap permodalan dan rentabilitas future.
(earnings) Perusahaan baik untuk saat ini
maupun pada masa mendatang.
Penerapan manajemen risiko suku bunga The application of Interest Rate Risk in The
pada Interest Rate Risk in The Banking Banking Book (IRRBB) is to identify,
Book (IRRBB) diterapkan untuk measure, monitor and control interest rate
mengidentifikasi, mengukur, dan movements that can cause changes in the
memantau serta mengendalikan present value and timing of future cash flows
pergerakan suku bunga yang dapat that affect the economic value of assets,
menyebabkan perubahan pada nilai kini liabilities and transaction of administrative
dan penetapan waktu arus kas pada masa accounts and those that causes changes in
mendatang yang mempengaruhi nilai net interest income. Interest Rate Risk in The
ekonomis dari aset, liabilitas, dan transaksi Banking Book (IRRBB) is measured based
rekening administratif serta menyebabkan on the impact of changes in interest rates on
perubahan pada pendapatan bunga bersih. changes in the economic value of equity
Risiko suku bunga dalam Interest Rate Risk (EVE) and changes in net interest income
in The Banking Book (IRRBB) diukur (NII).
berdasarkan dampak perubahan suku
bunga terhadap perubahan nilai ekonomis
dari ekuitas (Economic Value of
Equity/EVE) dan perubahan pada
pendapatan bunga bersih (Net Interest
Income/NII).
Pengukuran dan Pemantauan risiko suku The measurement and monitoring of Interest
bunga atau Interest Rate Risk in The Rate Risk in The Banking Book (IRRBB) is
Banking Book (IRRBB) dilakukan secara conducted individually by Bank Sinarmas as
individu yaitu Bank Sinarmas selaku the parent company, and consolidation
perusahaan induk, dan secara konsolidasi between parent company and subsidiary,
yaitu antara perusahaan induk dan entitas with Bank Nano Syariah as the subsidiary.
anak, yaitu Bank Nano Syariah. Rasio The IRRBB ratio based on the EVE and NII
IRRBB berdasarkan pendekatan EVE dan approach for the fourth quarter – December
NII posisi Triwulan IV – Desember 2024 2024 is 6.8% (Individual) and 7.4%
masing-masing sebesar 6,8% (Individu) (Consolidated), and the NII is 19.2%
dan 7,4% (Konsolidasi), dan NII sebesar (Individual) and 17.2% (Consolidated).
19,2% (individu) dan 17,2% (Konsolidasi).
Perusahaan dalam hal pengelolaan risiko The Company, in terms of interest rate risk
suku bunga dilengkapi dengan analisa management, is complemented by periodic
sensitivitas secara periodik untuk sensitivity analysis to measure the impact of
mengukur dampak dari perubahan suku significant changes in interest rates. In
bunga yang signifikan. Selain itu, addition, the Company has established Risk
Perusahaan telah menetapkan Risk Appetite and Risk Tolerance for Interest Rate
Appetite dan Risk Tolerance untuk Risiko Risk, namely interest rate risk to changes in
Suku Bunga yaitu risiko suku bunga the economic value of equity (EVE) and
terhadap perubahan nilai ekonomis dari changes in net interest income (NII).
nilai ekuitas (EVE) dan perubahan pada Currently, the Company is in testing phase of
pendapatan bunga neto (NII). Saat ini the system related to the calculation of
Perusahaan sedang dalam tahap testing IRRBB, which is used for the purposes of
sistem terkait perhitungan IRRBB yang IRRBB reporting with the aim that all
diantaranya digunakan untuk keperluan calculations are carried out automatically in
pelaporan IRRBB dengan tujuan semua order to convey risk information that is
perhitungan dilakukan secara otomasi accurate, effective, in accordance with the
guna menyampaikan informasi risiko yang provisions regulated by the regulator, and
akurat, efektif, sesuai ketentuan yang diatur timely as well to minimize the potential for
oleh regulator, dan tepat waktu serta operational risks.
meminimalkan potensi terjadinya risiko
operasional.
- 118 -
Page 730
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengelolaan risiko suku bunga dilakukan The management of interest rate risk is
terhadap posisi instrumen keuangan baik conducted on the positions of financial
dalam trading book maupun banking book. instruments in both the trading book and the
Risiko suku bunga dalam trading book banking book. Interest rate risk in the trading
dihitung dengan pendekatan standar book is calculated using the standardized
(standardized approach) sesuai dengan approach in accordance with SEOJK Number
SEOJK Nomor 23/SEOJK.03/2022 tentang 23/SEOJK.03/2022 regarding the Calculation
Perhitungan Aset Tertimbang Menurut of Risk-Weighted Assets (RWA) for market
Risiko (ATMR) untuk risiko pasar bagi Bank risk for Commercial Banks, which will be
Umum yang mulai diberlakukan pada 1 implemented starting January 1, 2024. This
Januari 2024, yaitu meliputi perhitungan includes the calculation of capital charges
beban modal dengan metode sensitivities using the sensitivities-based method, the
based, perhitungan beban modal untuk calculation of capital charges for default risk
risiko gagal bayar/default risk capital capital (DRC), and the additional residual risk
(DRC), dan tambahan risiko residual/ (Residual Risk Add-On, RRAO).
Residual Risk Add-On (RRAO).
Tabel berikut merupakan rata-rata suku The following table is an average effective
bunga efektif per tahun untuk aset dan interest rate per annum for the significant
liabilitas yang signifikan (tidak termasuk assets and liabilities (excluding Sharia
akun Syariah): accounts):
2024 2023
Mata Uang Asing/ Mata Uang Asing/
Rupiah Rupiah
Foreign Currencies Foreign Currencies
% % % %
Aset Assets
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 2,80 3,77 3,50 3,67 and other bank
Kredit yang diberikan 12,03 10,00 11,09 12,19 Loans
Liabilitas Liabilities
Simpanan 2,08 0,34 1,67 0,45 Deposits
Simpanan dari bank lain 3,98 0,59 3,20 0,06 Deposits from other banks
Tabel berikut ini menyajikan portofolio The following table presents the Company's
Perusahaan (tidak termasuk portofolio portfolio (excluding the trading portfolio) at
yang diperdagangkan) pada nilai their carrying values, which are grouped
tercatatnya, yang dikelompokkan menurut according to which comes first between the
mana yang lebih awal antara tanggal re-pricing date or the contractual maturity
re-pricing atau tanggal jatuh tempo date, whichever is earlier:
kontraktual:
2024
Sampai > 1 Bulan > 3 Bulan > 1 Tahun
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 1 Tahun/ 2 Tahun/
1 Month More than More than More than > 2 Tahun/
or 1 Month Until 3 Months Until 1 Year Until More than Jumlah/
Less 3 Months 1 Year 2 Years 2 Years Total
Aset Assets
Bunga Mengambang Floating rate
Demand deposits with
Giro pada bank lain 1.900.099 - - - - 1.900.099 other banks
Kredit yang diberikan 80.032 731.476 4.011.353 687.368 1.886.898 7.397.127 Loans
Liabilitas Liabilities
Bunga Mengambang Floating rate
Simpanan 27.392.275 - - - - 27.392.275 Deposits
Simpanan dari bank lain 43.574 - - - - 43.574 Deposits from other banks
- 119 -
Page 731
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Sampai > 1 Bulan > 3 Bulan > 1 Tahun
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 1 Tahun/ 2 Tahun/
1 Month More than More than More than > 2 Tahun/
or 1 Month Until 3 Months Until 1 Year Until More than Jumlah/
Less 3 Months 1 Year 2 Years 2 Years Total
Aset Assets
Bunga Mengambang Floating rate
Demand deposits with
Giro pada bank lain 2.656.867 - - - - 2.656.867 other banks
Kredit yang diberikan 94.745 1.243.963 1.720.723 1.413.257 2.693.240 7.165.928 Loans
Liabilitas Liabilities
Bunga Mengambang Floating rate
Simpanan 25.149.192 - - - - 25.149.192 Deposits
Simpanan dari bank lain 41.271 - - - - 41.271 Deposits from other banks
b. Risiko Nilai Tukar b. Foreign Exchange Risk
Risiko nilai tukar adalah risiko kerugian Exchange rate risk is the risk of losses to
pada neraca dan rekening administratif balance sheets and administrative accounts
yang disebabkan oleh perubahan nilai caused by changes in exchange rates,
tukar, termasuk perubahan nilai emas. including changes in the value of gold.
Kebijakan pengelolaan risiko nilai tukar The foreign exchange risk management
berpedoman pada batas Posisi Devisa policy is guided by the limits of the Net Open
Neto (PDN) sesuai ketentuan regulator Position (NOP) in accordance with
yaitu Perusahaan wajib mengelola dan regulatory provisions, which state that the
memelihara PDN paling tinggi 20% dari Company must manage and maintain the
Modal. Perusahaan juga menyusun Risk NOP at a maximum of 20% of its Capital.
Appetite dan Risk Tolerance risiko pasar The Company also establishes Risk
yang selaras dengan tujuan strategis Appetite and Risk Tolerance for market risks
Perusahaan yang digunakan sebagai that align with the Company's strategic
dasar penentuan tingkat risiko yang akan objectives, which serve as the basis for
diambil Perusahaan dalam pencapaian determining the level of risk the Company
sasaran bisnis. Selain itu, pengelolaan will undertake in achieving its business
risiko nilai tukar secara harian juga targets. Furthermore, the Company
dilakukan Perusahaan dengan cara conducts daily foreign exchange risk
menghitung potensi kerugian yang management by calculating the potential
mungkin timbul sebagai dampak dari losses that may arise due to fluctuations in
adanya perubahan nilai tukar terhadap exchange rates affecting its positions. The
posisi. Perusahaan menggunakan metode Company employs the historical Value at
historical Value at Risk (VAR) dengan Risk (VaR) method using 250 historical data
menggunakan 250 data historis pada points at a confidence level of 99%.
tingkat kepercayaan 99%. Selain itu Additionally, the Company periodically
Perusahaan secara berkala melakukan monitors the Off Market Rate (OMR) for
pemantauan terkait Off Market Rate (OMR) foreign exchange transactions to ensure that
untuk transaksi foreign exchange dengan the price range remains within normal
tujuan untuk memastikan rentang harga quotation limits.
masih berada pada rentang kuotasi secara
normal.
c. Risiko Harga c. Price Risk
Risiko harga merupakan risiko yang timbul Price risk is the risk that arises as a result of
sebagai akibat ketidakpastian dalam uncertainty in changes in the price of an
perubahan harga suatu aset, misalnya asset, for example unprofitable income and
pendapatan yang kurang menguntungkan securities that have a fixed income due to
dan sekuritas yang memiliki pendapatan changes in interest rates.
tetap akibat perubahan tingkat suku bunga.
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Page 732
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dalam hal pengelolaan risiko harga, In terms of price risk management, the
Perusahaan melakukan pemantauan atas Company monitors the market risk exposure
eksposur risiko pasar yang melekat pada inherent in the portfolio managed by the
portofolio yang dikelola oleh treasury, treasury, such as securities held by the
seperti Surat Berharga yang dimiliki Company, particularly those exposed to
Perusahaan khususnya yang terekspos market risk, namely securities held in the
risiko pasar, yaitu Surat Berharga yang Fair Value to Other Comprehensive Income
dimiliki dalam kategori Fair Value to Other (FVOCI) category, Fair Value Through Profit
Comprehensive Income (FVOCI), Fair or Loss (FVTPL), Off Market Rate (OMR),
Value Through Profit or Loss (FVTPL), Off PV01, and Profit & Loss of securities,
Market Rate (OMR), PV01, Profit & Loss referring to the limits that have been
surat berharga dengan mengacu pada established.
limit-limit yang telah ditetapkan.
Dalam penerapan manajemen risiko pasar yang In the implementation of market risk management
terpapar risiko counterparty, Perusahaan telah exposed to counterparty risk, the Company has
menghitung, mengukur dan memantau secara calculated, measured and monitored periodically
berkala minimal 1 (satu) bulan sekali sesuai at least once every 1 (one) month in accordance
dengan SEOJK Nomor 23/SEOJK.03/2022 with SEOJK Number 23/SEOJK.03/2022
tentang Perhitungan Aset Tertimbang Menurut concerning Calculation of Risk-Weighted Assets
Risiko (ATMR) untuk Risiko Pasar bagi Bank (ATMR) for Market Risk for Commercial Banks
Umum terkait BMPK Derivatif Non Kredit yang related to BMPK Non-Credit Derivatives
diperhitungkan pada Aktiva Tertimbang Menurut calculated in Risk-Weighted Assets (ATMR) for
Risiko (ATMR) untuk Risiko Kredit dan Credit Credit Risk and Credit Value Adjustment (CVA)
Value Adjustment (CVA) yang merupakan bagian which is part of the Assets report Risk Weighted
dari laporan Aktiva Tertimbang Menurut Risiko (RWA) for regulated market risk.
(ATMR) untuk risiko pasar sesuai ketentuan.
Risiko Likuditas Liquidity Risk
Risiko likuiditas adalah risiko yang disebabkan Liquidity risk is the risk caused by the Company's
oleh ketidakmampuan Perusahaan untuk inability to fulfill overdue obligations using cash
memenuhi kewajiban yang jatuh tempo flow funding sources and/or from high-quality
menggunakan sumber pendanaan arus kas liquid assets that can be collateralized, without
dan/atau dari aset likuid berkualitas tinggi yang disrupting the Company's activities and financial
dapat diagunkan, tanpa mengganggu aktivitas condition. Liquidity risk is the most important risk
dan kondisi keuangan Perusahaan. Risiko for public companies and needs to be managed
likuiditas merupakan risiko yang terpenting pada on an ongoing basis.
perusahaan umum dan perlu dikelola secara
berkesinambungan.
Dalam menjaga serta memantau kondisi In maintaining and monitoring liquidity conditions,
likuiditas maka Perusahaan membentuk Asset the Company has established Asset and Liability
and Liability Management (ALMA) yang Management (ALMA) which consists of members
beranggotan setingkat pejabat eksekutif dan at the level of executive officers and the Asset and
Asset and Liability Committee (ALCO) yang Liability Committee (ALCO) which consists of the
beranggotakan manajemen senior tertinggi. highest senior management. ALMA has duties
ALMA memiliki tugas dan tanggung jawab antara and responsibilities, including conducting
lain melakukan simulasi kecukupan likuiditas simulations of the Company's liquidity adequacy,
Perusahaan, melakukan uji coba Contigency conducting trials of Contigency Funding Plans
Funding Plan (CFP) dan Pinjaman Likuiditas (CFP) and Short-Term Liquidity Loans (PLJP) at
Jangka Pendek (PLJP) pada Bank Indonesia Bank Indonesia and providing recommendations
dan memberikan rekomendasi kepada ALCO to ALCO regarding anticipatory steps that need to
terkait langkah antisipasi yang perlu dilakukan be taken to ensure liquidity adequacy including
untuk memastikan kecukupan likuiditas recommendations related to interest rates.
termasuk rekomendasi terkait suku bunga. Meanwhile, ALCO has the duty and responsibility
Sedangkan ALCO memiliki tugas dan tanggung to direct and determine plans, policies, strategies,
jawab yaitu mengarahkan dan menentukan balance sheet structure, liquidity, profitability, and
rencana, kebijakan, strategi, struktur neraca, risks related to foreign exchange and interest rate
likuiditas, profitabilitas, dan risiko yang terkait risks through supervision, identification, and
dengan risiko valuta asing dan tingkat suku measurement of risk exposure while considering
bunga melalui proses pengawasan, identifikasi the principle of prudence.
dan pengukuran paparan risiko dengan
memperhatikan prinsip kehati-hatian.
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Page 733
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pemantauan dan pengukuran terhadap risiko Monitoring and measurement of liquidity risk are
likuiditas dilakukan secara harian, mingguan, conducted daily, weekly, monthly, and quarterly,
bulanan, dan triwulan, sebagai bagian dari as part of the management information system,
sistem informasi manajemen dan hasil and the results of this monitoring are reported to
pemantauan tersebut dilaporkan kepada Management. Monitoring is carried out on the
Manajemen. Pemantauan dilakukan terhadap composition of the Company's financial position,
komposisi posisi keuangan Perusahaan antara including the adequacy of the Minimum Required
lain kecukupan Giro Wajib minimum (GWM) Reserves (GWM) in Rupiah and foreign
Rupiah dan Valas, Giro RIM, Penyangga currencies, RIM deposits, Macroprudential
Likuiditas Makroprudensial (PLM), Rasio Liquidity Buffers (PLM), Macroprudential
Intermediasi Makroprudensial (RIM), Liquidity Intermediation Ratios (RIM), Liquidity Coverage
Coverage Ratio (LCR), Net Stable Funding Ratio Ratios (LCR), Net Stable Funding Ratios (NSFR),
(NSFR), pergerakan Deposan Inti, monitoring movements of Core Depositors, monitoring of
terhadap aktivitas Money Market terkait Money Market activities related to interbank fund
penempatan dan peminjaman dana interbank, placements and borrowings, Maximum
Laporan Maximum Cumulative Outflow (MCO) Cumulative Outflow (MCO) reports based on cash
berdasarkan cashflow, Laporan Early Warning flow, Early Warning Indicator (EWI) reports, Risk
Indicator (EWI), Laporan Risk Appetite dan Risk Appetite and Risk Tolerance (RART) reports, and
Tolerance (RART) dan Stress Testing likuiditas liquidity stress testing to ensure the Bank's
guna memastikan kecukupan likuiditas Bank liquidity adequacy to meet customer fund
untuk memenuhi penarikan dana nasabah pada withdrawals in crisis conditions.
kondisi krisis.
Perusahaan telah menetapkan Risk Appetite dan The company has established the Risk Appetite
Risk Tolerance untuk Risiko Likuiditas yaitu and Risk Tolerance for Liquidity Risk, which
Rasio Deposan Inti terhadap Total Dana Pihak includes the Core Deposit Ratio to Total Third
Ketiga, Rasio Intermediasi Makroprudensial Party Funds, the Macroprudential Intermediation
(RIM), Liquidity Coverage Ratio (LCR) dan Net Ratio (RIM), the Liquidity Coverage Ratio (LCR),
Stable Funding Sratio (NSFR). Hasil and the Net Stable Funding Ratio (NSFR).
pemantauan disampaikan secara berkala Monitoring results are reported periodically to the
kepada Asset & Liabilities Committee (ALCO) Asset & Liabilities Committee (ALCO) members,
member, Asset & Liabilities Management Asset & Liabilities Management (ALMA)
(ALMA) member yang meliputi unit bisnis dan members, which include business units and
unit pendukung, Komite Manajeman Risiko support units, the Risk Management Committee
(KMR), Komite Pemantau Risiko (KPR) serta (KMR), the Risk Monitoring Committee (KPR), as
kepada Direksi Perusahaan. well as to the Company's Board of Directors.
Dalam melakukan perhitungan LCR dan NSFR, In calculating LCR and NSFR, the Company has
Perusahaan telah menggunakan sistem sebagai used a system as part of the application of the
bagian penerapan dari sistem informasi management information system in order to
manajemen dalam rangka menghasilkan produce LCR and NSFR calculations on a
perhitungan LCR dan NSFR secara bulanan monthly basis with the aim that all calculations are
dengan tujuan agar semua perhitungan carried out automatically in order to convey risk
dilakukan secara otomasi guna menyampaikan information that is accurate, effective, in
informasi risiko yang akurat, efektif, sesuai accordance with the provisions regulated by the
dengan ketentuan yang diatur oleh regulator, regulator, and timely as well to minimize the
dan tepat waktu serta meminimal potensi potential for operational risks.
terjadinya risiko operasional.
Rasio Kecukupan Likuiditas diungkapkan pada Liquidity Adequacy Ratio are disclosed in Note
Catatan 50i. 50i.
- 122 -
Page 734
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Selain itu Perusahaan telah selesai In addition, the Company has completed
mengembangkan sistem untuk mengukur developing a system to measure the company's
kemampuan arus kas keluar maksimum (MCO) maximum cash outflow (MCO) capability by
perusahaan secara otomasi dan dihasilkan automation and generated on a daily basis so that
secara harian sehingga perusahaan dapat the company can monitor the company's liquidity
melakukan pemantauan kemampuan likuiditas capabilities and follow up faster if the company
perusahaan serta melakukan tindak lanjut lebih experiences large amounts of liquidity needs.
cepat jika perusahaan mengalami kebutuhan
likuiditas dalam jumlah besar.
Dalam melakukan Pengelolaan terhadap In managing the Company's liquidity, a study is
likuiditas Perusahaan, dilakukan studi untuk conducted to research the pattern of movement of
mempelajari pola pergerakan dana dan/atau funds and/or behavior of third party fund
perilaku nasabah dana pihak ketiga, khususnya customers, particularly core customer funds and
dana nasabah inti dan nasabah yang memiliki customers with fairly high level of volatility. By
tingkat volatilitas cukup tinggi. Dengan studying the customer behavior, the Company
mempelajari perilaku nasabah, maka can maintain adequate liquidity that is
Perusahaan dapat menjaga kecukupan likuiditas appropriately needed in order to fulfill the
yang diperlukan secara tepat dalam rangka Company's obligations on Third Party Funds. The
memenuhi kewajiban perusahaan atas Dana Company always maintains the adequacy of
Pihak Ketiga. Perusahaan selalu menjaga Macroprudential Liquidity Buffer (MLB) at a safe
kecukupan Penyangga Likuiditas level with the amount of adequacy adjusted to the
Makroprudensial (PLM) pada level yang aman Company's specific liquidity conditions and
dengan besaran kecukupan disesuaikan dengan liquidity conditions in the market.
kondisi likuiditas Perusahaan secara spesifik
maupun kondisi likuiditas di pasar.
Perusahaan senantiasa melakukan pemantauan The Company continues to monitor the position of
terhadap posisi core fund dan berupaya untuk core fund and seeks to continually increase
secara berkesinambungan meningkatkan percentage of total funds. Core fund becomes a
persentase terhadap jumlah dana yang dimiliki. very important part of the Company in conducting
Core fund menjadi bagian yang sangat penting intermediation of funds in the form of long-term
bagi Perusahaan dalam menjalankan fungsi supply. This is because the majority of the
intermediasi berupa penyediaan dana jangka Company’s third party fund portfolio has maturity
panjang. Hal ini mengingat portofolio dana pihak of up to 1 (one) year. Efforts are made to raise
ketiga yang dimiliki Perusahaan sebagian besar funds among others to create programs that
berjangka waktu sampai dengan 1 (satu) tahun. require customer funds on hold and can not be
Upaya yang dilakukan untuk meningkatkan dana withdrawn until a specified period in accordance
mengendap antara lain diciptakan program- with the provisions of the program.
program yang mengharuskan dana nasabah
ditahan dan tidak dapat ditarik sampai jangka
waktu tertentu sesuai dengan ketentuan
program.
Dalam rangka mengikuti perkembangan bisnis In order to follow the development of the
Perusahaan yang semakin dinamis serta adanya Company's increasingly dynamic business and
perubahan strategi yang dilakukan Perusahaan changes in strategy carried out by the Company,
maka telah dilakukan back testing dan kaji ulang back testing and review of the methodology used
terkait metodologi yang digunakan untuk for Core Fund calculations have been carried out,
perhitungan Core Fund yaitu menggunakan data which is using historical data for 5 years, looking
historis selama 5 tahun, melihat pergerakan at outstanding movements for 5 years and
outstanding selama 5 tahun dan menghitung calculating with a confidence level of 95%. The
dengan tingkat kepercayaan (confidence level) calculation of back testing and review of
95%. Perhitungan back testing dan kaji ulang methodology has been submitted and approved
metodologi telah disampaikan dan disetujui oleh by the Board of Directors and Board of
Direksi dan Dewan Komisaris melalui Rapat Commissioners through the Meeting and/or
dan/atau melalui sirkulasi Memorandum Internal through the circulation of the Internal
dan/atau melalui e-mail. Memorandum and/or via e-mail.
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Page 735
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada dasarnya, risiko likuiditas dikelola sesuai Basically, liquidity risk is managed in accordance
dengan kerangka kebijakan, pengawasan, dan with the policy framework, supervision, and
batasan yang memastikan bahwa konsentrasi restrictions that ensure the concentration of
pendanaan bersifat minimal, sumber dan jangka funding is minimal, the resources and funding
waktu pendanaan telah terdiversifikasi. period are diversified.
Berikut adalah jadwal jatuh tempo liabilitas The table below shown the maturities of financial
keuangan (termasuk simpanan dan simpanan liabilities (including deposits and deposits from
dari bank lain berdasarkan prinsip syariah) dan other banks based on sharia principles) and
dana syirkah temporer berdasarkan pembayaran temporary syirkah funds based on contractual
kontraktual pada tanggal 31 Desember 2024 dan payments as of December 31, 2024 and 2023:
2023:
2024
Sampai > 1 Bulan > 3 Bulan > 6 Bulan
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 6 Bulan/ 12 Bulan/
1 Month More than More than More than > 12 Bulan/ Nilai Tercatat/
or 1 Month Until 3 Months Until 6 Months Until More than Carriying
Less 3 Months 6 Months 12 Months 12 Months Value
Liabilitas Liabilities
Liabilities immediately
Liabilitas segera 178.778 - - - - 178.778 payable
Simpanan 35.381.807 1.344.487 400.419 554.206 216.496 37.897.415 Deposits
Simpanan dari bank lain 60.760 6.000 - - - 66.760 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji beli kembali 879.455 - - - - 879.455 agreements to repurchased
Liabilitas akseptasi 29.148 9.012 - - - 38.160 Acceptance payable
Obligasi subordinasi - - - - 497.505 497.505 Subordinated bonds
Beban yang masih harus
dibayar 44.216 - - - - 44.216 Accrued expenses
Liabilitas lain-lain 178.489 - - - - 178.489 Other liabilities
Jumlah Liabilitas 36.752.653 1.359.499 400.419 554.206 714.001 39.780.778 Total Liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan 4.247.984 1.130.932 1.391.386 152.247 - 6.922.549 Deposits
Simpanan dari bank lain 2.972 - - - - 2.972 Deposits from other banks
Jumlah Dana Syirkah
Temporer 4.250.956 1.130.932 1.391.386 152.247 - 6.925.521 Total Temporary Syirkah Funds
2023
Sampai > 1 Bulan > 3 Bulan > 6 Bulan
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 6 Bulan/ 12 Bulan/
1 Month More than More than More than > 12 Bulan/ Nilai Tercatat/
or 1 Month Until 3 Months Until 6 Months Until More than Carriying
Less 3 Months 6 Months 12 Months 12 Months Value
Liabilitas Liabilities
Liabilities immediately
Liabilitas segera 165.101 - - - - 165.101 payable
Simpanan 32.949.051 1.337.062 513.221 334.938 8.313 35.142.585 Deposits
Simpanan dari bank lain 325.445 2.000 - - - 327.445 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji beli kembali 1.051.717 - - - - 1.051.717 agreements to repurchased
Liabilitas akseptasi 51.272 28.608 - - - 79.880 Acceptance payable
Obligasi subordinasi - - - - 496.512 496.512 Subordinated bonds
Beban yang masih harus
dibayar 43.816 - - - - 43.816 Accrued expenses
Liabilitas lain-lain 160.660 - - - - 160.660 Other liabilities
Jumlah Liabilitas 34.747.062 1.367.670 513.221 334.938 504.825 37.467.716 Total Liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan 4.392.299 904.012 1.572.052 135.188 - 7.003.551 Deposits
Simpanan dari bank lain 15.769 - - - - 15.769 Deposits from other banks
Jumlah Dana Syirkah
Temporer 4.408.068 904.012 1.572.052 135.188 - 7.019.320 Total Temporary Syirkah Funds
- 124 -
Page 736
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Sebagian besar liabilitas yang dimiliki oleh Most of the liabilities held by the Company will
Perusahaan akan jatuh tempo dalam waktu mature in less than 1 month, however, based on
kurang dari 1 bulan, namun berdasarkan data the history data of the Company, most of these
historis Perusahaan, sebagian besar dari liabilities will be rolled over at maturity. Efforts are
liabilitas tersebut pada saat jatuh tempo akan made by the Company to ensure that customers
diperpanjang (roll over). Upaya yang dilakukan retain their funds in the Company, which is by
Perusahaan agar nasabah tetap improving service quality and offering fair and
mempertahankan dananya pada Perusahaan competitive interest rates. With these efforts, the
yaitu dengan meningkatkan kualitas pelayanan Company also hopes to attract new customers to
serta memberikan penawaran suku bunga yang place their funds in the Company. The Company
wajar dan kompetitif. Dengan upaya tersebut, also made other efforts to mitigate large-scale
Perusahaan juga mengharapkan dapat menarik withdrawals of funds by customers where the
nasabah baru untuk menempatkan dananya Company also monitors 50 core depositors, by
pada Perusahaan. Perusahaan juga melakukan evaluating the profile and behavior of these
upaya lain untuk memitigasi adanya penarikan depositors so that the Company can anticipate
dana secara besar-besaran oleh nasabah large withdrawals of funds that will be made by
dimana Perusahaan juga memantau depositors.
50 deposan inti, dengan cara mengevaluasi profil
dan perilaku dari deposan-deposan tersebut
sehingga Perusahaan dapat melakukan
antisipasi terhadap penarikan dana besar yang
akan dilakukan deposan.
Untuk mengetahui dampak perubahan faktor To determine the impact of changes in market
pasar maupun faktor internal pada kondisi factors and internal factors in extreme conditions
ekstrim terhadap likuiditas, Perusahaan on liquidity, the Company conducts periodic
melakukan stress testing Risiko Likuiditas secara stress testing of Liquidity Risk. Assumptions
berkala. Asumsi dan/atau skenario serta hasil and/or scenarios and results of stress testing are
stress testing disampaikan dan disetujui oleh submitted and approved by the Risk Management
Komite Manajemen Risiko dan/atau Direksi Committee and/or Board of Directors through risk
melalui rapat komite manajemen risiko atau management committee meetings or through the
melalui sirkulasi Memorandum Internal atau circulation of Internal Memorandums or via email.
melalui email. Dalam melakukan stress testing, In conducting stress testing, the company has
Perusahaan telah melakukan kajian besaran conducted a study of the percentage of outgoing
persentase dana keluar sesuai dengan funds according to customer habits or behavior in
kebiasaan atau behavior nasabah dalam kondisi stressful conditions using historical data from the
stress dengan menggunakan data historis dari last 500 days with a confidence level of 99% for
500 hari terakhir dengan tingkat kepercayaan Bank Specific Crisis (BSC) Scenarios and 4 times
99% untuk Skenario Bank Specific (Bank standard deviations for crisis scenarios in the
Specific Crisis - BSC) dan 4 kali standard deviasi market (General Market Crisis - GMC). Until now,
untuk skenario krisis pada pasar (General the Company has never experienced liquidity
Market Crisis - GMC). Sampai dengan saat ini, difficulties or conditions that potentially pose risks
Perusahaan tidak pernah mengalami kesulitan to the Company.
likuiditas maupun kondisi yang berpotensi
menimbulkan risiko bagi Perusahaan.
Dalam rangka persiapan menghadapi potensi In preparation for potential risks, the Company
risiko, Perusahaan telah memiliki Rencana has established a Bank Indonesia (BI)
Pendanaan Darurat (Contingency Funding Plan) Contingency Funding Plan and Short Term
dan Rencana Pinjaman Likuiditas Jangka Liquidity Loan Plan (PLJP) to avoid liquidity
Pendek (PLJP) Bank Indonesia (BI) untuk difficulties. The Company has a number of
menghindari terjadinya kesulitan likuiditas. anticipatory efforts such as the availability of
Perusahaan memiliki sejumlah upaya antisipasi reserve requirements, secondary reserves, good
seperti ketersediaan Giro Wajib Minimum penetration of the intercompany market, and
(GWM), Cadangan Sekunder, penetrasi yang support from controlling shareholders. In order to
baik terhadap pasar antar perusahaan, serta implement Bank Indonesia's (BI) Contingency
dukungan dari pemegang saham pengendali. Funding Plan (CFP) and Short Term Liquidity
Perusahaan dalam rangka menjalankan Loan (PLJP), the Company formed a special
Rencana Pendanaan Darurat (Contingency team, namely the Contigency Crisis Team (CCT)
Funding Plan (CFP) dan Pinjaman Likuiditas consisting of the Company's highest senior
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PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jangka Pendek (PLJP) Bank Indonesia (BI) management from the Risk division, Operations
maka membentuk tim khusus yaitu Contigency division, Finance division and business unit led by
Crisis Team (CCT) yang beranggotakan the chairman of ALMA, namely Treasury &
manajemen senior tertinggi Perusahaan baik Financial Institution Group Head. CCT has the
dari divisi Risk, divisi Operation, divisi Finance main task and responsibility, that is carrying out
dan bisnis unit yang dipimpin oleh ketua ALMA the process of monitoring liquidity in the event of
yaitu Treasury & Financial Institution Group a crisis until the restoration of liquidity conditions
Head. CCT memiliki tugas dan tanggung jawab comes back to normal conditions.
utama yaitu melakukan proses pemantauan
likuditas pada saat terjadi krisis sampai dengan
pemulihan kondisi likuiditas kembali ke kondisi
normal.
Uji coba terkait CFP dan PLJP kepada BI The trials related to CFP and PLJP to Bank
dilakukan secara berkala yang Indonesia is conducted periodically involving the
mengikutksertakan Direksi dan manajemen Board of Directors and senior management of the
senior pada perusahaan serta hasil uji coba ini company, and the results of this trial are
disampaikan kepada ALCO, Komite Manajemen communicated to ALCO, the Risk Management
Risiko (KMR) dan Komite Pemantau Risiko Committee (KMR), and the Risk Monitoring
(KPR) yang merupakan salah satu tugas dan Committee (KPR), which are part of the duties and
tanggung jawab dari Dewan Komisaris dan responsibilities of the Board of Commissioners
Direksi. Parameter CFP yang telah di uji coba and Directors. The CFP parameters that have
dan disampaikan serta disetujui digunakan been tested, communicated, and approved are
sebagai alat ukur untuk dilakukan pemantauan used as measurement tools for weekly monitoring
secara mingguan melalui laporan Early Warning through Early Warning Indicators (EWI) reports,
Indicators (EWI) yang dapat dijadikan salah satu which can serve as an early warning for the
peringatan dini likuiditas Perusahaan. Company's liquidity.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang antara lain Operational risk is the risk among others, caused
disebabkan oleh ketidakcukupan dan/atau tidak by insufficient and/or malfunctioning of internal
berfungsinya proses internal, kesalahan processes, human error, system failure, or
manusia, kegagalan sistem, atau adanya external problems affecting the Company’s
problem eksternal yang mempengaruhi operations.
operasional Perusahaan.
Risiko operasional dapat menimbulkan kerugian Operational risks may cause financial loss directly
keuangan maupun non-keuangan secara or indirectly, and the potential losses for the loss
langsung maupun tidak langsung dan kerugian of opportunity to earn a profit. Operational risk can
potensial atas hilangnya kesempatan also be attached to each functional activity of the
memperoleh keuntungan. Risiko operasional Company, such as provisions of funds and
juga dapat melekat pada setiap aktivitas investment, operations and services, trade
fungsional Perusahaan, seperti kegiatan financing, funding and debt instruments,
perkreditan (penyediaan dana), treasury dan Information Systems Technology and
investasi, operasional dan jasa, pembiayaan Management Information Systems, and HR
perdagangan, pendanaan dan instrumen utang, management.
Teknologi Sistem Informasi dan Sistem
Informasi Manajemen, serta pengelolaan
sumber daya manusia.
Kebijakan dan prosedur yang terkait dengan Policies and procedures related to the
pengelolaan risiko operasional di Perusahaan management of operational risk in the Company
senantiasa disusun, dikaji ulang dan is always prepared, reviewed and refined to
disempurnakan untuk memastikan kecukupan ensure sufficient control mechanisms that all
mekanisme kontrol pada semua kebijakan dan policies and procedures are adequate. The
prosedur telah memadai. Perusahaan juga Company is also actively socializing to build risk
secara aktif melakukan sosialisasi untuk awareness and improve quality control in order to
membangun budaya sadar risiko dan mitigate operational risk.
meningkatkan kualitas kontrol dalam rangka
mitigasi risiko operasional.
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Page 738
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengembangan sistem dan penerapan System development and implementation of
perangkat risiko operasional untuk mengukur operational risk tools measure the risk exposure
eksposur risiko pada kondisi sekarang, lampau in current, past (historical) conditions and
(historis) dan untuk mengukur besarnya potensi measure the magnitude of potential risk events in
kejadian risiko di masa depan. Dengan the future. With this approach, the Company is
pendekatan ini, diharapkan Perusahaan dapat expected to be more comprehensive in managing
lebih komprehensif dalam mengelola risiko operational risk.
operasional.
Proses identifikasi, pengukuran, pemantauan The process of identification, measurement,
dan pengendalian risiko operasional monitoring and control of operational risk is
ditingkatkan dengan melibatkan lini pertama/unit improved by involving the first line/work unit which
kerja yang dilakukan melalui training karyawan is carried out through employee training from staff
mulai dari level staff sampai dengan pejabat, level to officials, reviews of operational
reviu terhadap kebijakan/prosedur operasional, policies/procedures, risk assessment on the
risk assessment atas penerbitan produk issuance of new products and/or activities of the
dan/atau aktivitas baru Perusahaan, serta opini Company, as well as opinions from the Director of
dari Direktur Kepatuhan dan Direktur Compliance and the Director of Risk Management
Manajemen Risiko terkait dengan penerbitan regarding the issuance of the new product and/or
produk dan/atau aktivitas baru tersebut. activity.
Perangkat risiko operasional yang digunakan The operational risk tools used by the Company
oleh Perusahaan antara lain: include:
• Loss Event Database (LED) • Loss Event Database (LED)
Perusahaan membangun dan The Company builds and develops other
mengembangkan perangkat risiko operational risk tools such as Loss Event
operasional lainnya seperti Loss Event Database (LED) which aims to compile a
Database (LED) yang tujuannya untuk database of events that occur as a result of
menyusun database atas kejadian- operational risk and measure the amount of
kejadian yang terjadi sebagai akibat risiko losses caused by these operational events.
operasional serta mengukur besarnya Monitoring is carried out continuously and
kerugian yang diakibatkan oleh kejadian LED reporting is carried out regularly.
operasional tersebut. Pengawasan
dilakukan secara terus menerus dan
pelaporan LED dilakukan secara berkala.
• Risk Control Self Assessment (RCSA) • Risk Control Self Assessment (RCSA)
Risk Control Self Assessment (RCSA) Risk Control Self Assessment (RCSA) is a
merupakan suatu alat dan mekanisme tool and mechanism that aims to identify
yang bertujuan untuk melakukan risks and measure the effectiveness of the
identifikasi risiko dan pengukuran atas implementation of controls that will result in
efektivitas pelaksanaan kontrol yang akan an assessment of the level of risk. RCSA is
menghasilkan penilaian atas tingkat risiko. carried out regularly and continuously to
RCSA dilakukan secara berkala dan improve effectiveness and efficiency in its
berkelanjutan untuk meningkatkan implementation.
efektivitas dan efisiensi dalam
pelaksanaannya.
• Key Risk Indicator (KRI) • Key Risk Indicator (KRI)
Key Risk Indicator (KRI) adalah salah satu Key Risk Indicator (KRI) is one of the tools
perangkat untuk mengelola risiko for managing operational risk which is used
operasional yang digunakan untuk to identify or provide an indicator (early
mengidentifikasi atau memberikan suatu warning signal) and analyze risk from an
indikator (early warning signal) dan early stage on the ups and downs of risk level
menganalisa risiko sejak dini atas naik indicators in order to control any operational
turunnya indikator-indikator tingkat risiko risk inherent in every business and
dalam rangka pengendalian setiap risiko operational activity of the Company.
operasional yang melekat pada setiap
aktivitas bisnis dan operasional
Perusahaan.
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Page 739
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Untuk meningkatkan keamanan, Divisi Cyber To improve security, the Cyber Resilience
Resilience telah memiliki Team Security Division has a Security Operation Center (SOC)
Operation Center (SOC) yang bertujuan untuk Team that aims to improve the monitoring process
meningkatkan proses pemantauan terhadap of attempted attacks aimed at the Company's
percobaan serangan yang ditujukan kepada systems 24 hours in a week.
sistem Perusahaan selama 24 jam dalam
seminggu.
Divisi Operations & Product Assurance telah The Operations & Product Assurance Division
mengimplementasikan Operation Control Room, has implemented an Operation Control Room,
dimana ruangan ini digunakan sebagai pusat where this room is used as a center for monitoring
untuk pemantauan terhadap availability dan the availability and performance of office
performance jaringan kantor, serta pemantauan networks, as well as monitoring problems in the
permasalahan pada sistem Perusahaan. Company's systems.
Perusahaan telah memiliki Kebijakan/Prosedur The company already has a critical system
Disaster Recovery Plan (DRP) sistem kritikal, Disaster Recovery Plan (DRP) Policy/Procedure,
yang mengatur rencana pemulihan untuk which regulates recovery plans for disruptions
gangguan yang terjadi pada sistem. that occur in the system.
Dalam rangka fraud awareness, Perusahaan In the context of fraud awareness, the Company
melakukan sosialisasi fraud awareness secara conducts continuous fraud awareness
berkesinambungan, refreshment terhadap socialization, refreshment of the Anti-Fraud
Deklarasi Anti Fraud dan Pakta Integritas untuk Declaration and Integrity Pact to increase
meningkatkan kesadaran karyawan tentang employee awareness of the importance of fraud
pentingnya tindakan pencegahan dan prevention and control measures.
pengendalian terhadap fraud.
Perusahaan juga telah melakukan self The Company has conducted a self-assessment
assessment atas Laporan Hasil Penilaian terkait of the Bank's Cybersecurity Assessment Results
Keamanan Siber Bank Tahun 2023. Secara Report for 2023. Overall, the Assessment Results
keseluruhan Hasil Penilaian terkait Keamanan related to Bank Cybersecurity in 2023 using the
Siber Bank Tahun 2023 dengan menggunakan parameters set out in SEOJK No.29/
parameter-parameter yang ditetapkan dalam SEOJK.03/2023 are rated 2nd or Low to
SEOJK No.29/SEOJK.03/2023 dinilai peringkat Moderate with Inherent Risk Assessment related
2 atau Low to Moderate dengan Penilaian Risiko to Cybersecurity rated 2nd or Low to Moderate
Inheren terkait Keamanan Siber dinilai peringkat and the Cybersecurity Maturity Level Assessment
2 atau Low to Moderate dan Penilaian Tingkat is rated 2nd or Satisfactory.
Maturitas Keamanan Siber dinilai peringkat 2
atau Satisfactory.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang timbul dari Legal risk is the risk arising from the weakness of
kelemahan aspek hukum, antara lain akibat dari the legal aspects, including among others the
tindakan hukum, tidak adanya peraturan yang result of legal action, the absence of supporting
mendukung atau kelemahan dari ketentuan- regulations or vulnerability in the legally binding
ketentuan yang mengikat secara hukum, seperti regulations, such as failure to comply with the
kegagalan untuk mematuhi persyaratan hukum legal requirements of an agreement or loopholes
suatu perjanjian dan celah-celah dalam in the attach collateral.
pengikatan jaminan.
Pelaksanaan identifikasi, pengukuran, dan Implementation of the identification,
pemantauan terhadap potensi risiko hukum measurement, and monitoring of potential legal
dilaksanakan terhadap seluruh aktivitas risks are undertaken by all the Company's
Perusahaan, terutama kegiatan operasional activities, especially the Company's operational
Perusahaan dengan melibatkan pihak ketiga activities involving third parties who have a
yang memiliki potensi benturan kepentingan conflict of interest or potential litigation.
atau gugatan hukum.
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Page 740
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dalam rangka mitigasi potensi risiko hukum, In order to mitigate potential legal risks, the
Perusahaan melakukan hal-hal berikut: Company does the following: conducts studies on
melakukan kajian terhadap kesesuaian the suitability of cooperation agreements with
perjanjian kerjasama dengan pihak eksternal, external parties, refines policies and procedures
menyempurnakan kebijakan dan prosedur as part of mitigating legal risks.
sebagai bagian dari mitigasi risiko hukum.
Dalam rangka pemantauan atas penyelesaian In the context of monitoring the settlement of
terhadap gugatan hukum, unit kerja Legal bagian lawsuits, the Legal work unit in the Litigation
Litigasi melakukan pendampingan dan hadir section provides assistance and is present at
dalam setiap persidangan/panggilan kepolisian every legal risk court/police summons.
risiko hukum.
Risiko Stratejik Strategic Risk
Risiko stratejik adalah risiko yang antara lain Strategic risk is a risk that among others arises
disebabkan oleh adanya penetapan dan from inadequate decree and implementation of
pelaksanaan strategi Perusahaan yang tidak the Company’s strategies, incorrect business
tepat, pengambilan keputusan bisnis yang tidak decision, or irresponsiveness to external
tepat atau kurang responsifnya Perusahaan changes.
terhadap perubahan eksternal.
Perusahaan telah menyusun strategi dan The Company has formulated the business
rencana bisnis yang sebelumnya telah strategies and plans based on discussions from
didiskusikan dengan Dewan Komisaris, Direksi the Board of Commissioners, Directors and all of
serta seluruh manajemen Perusahaan. Company’s management. The Company also
Perusahaan juga melakukan kajian dan evaluasi reviews and evaluate business strategy and its
stratejik bisnis serta realisasi yang telah dicapai realization achieved by the Company based on
oleh Perusahaan sesuai dengan yang the Company’s Business Plan.
terangkum dalam Rencana Bisnis Perusahaan.
Secara umum, untuk posisi 31 Desember 2024, In general, as of December 31, 2024, the
Perusahaan telah mencapai realisasi yang baik Company has achieved good realizations in
pada pos-pos keuangan secara konsolidasi consolidated financial items with subsidiaries
dengan perusahaan anak seperti Surat such as Securities, Net Interest Income (NIM),
Berharga, (Net Interest Income) NIM, (Non Gross Non-Performing Loans (NPL), Net NPL,
Performing Loan) NPL Gross, NPL Nett, (Return Return on Equity (ROE), Return on Assets (ROA),
on Equity) ROE, (Return on Asset) ROA, (Biaya Operating Expense to Operating Income (BOPO),
Operasi Pendapatan Operasi) BOPO, (Capital Capital Adequacy Ratio (CAR), and Profit.
Adequacy Ratio) CAR, dan Laba.
Perusahaan secara bertahap juga melakukan Gradually, the Company is also refining all
penyempurnaan pada seluruh proses aktivitas business activity processes to further accelerate
bisnis Perusahaan untuk lebih mengakselerasi the achievement of performance in accordance
pencapaian kinerja sesuai dengan target yang with the established targets.
ditentukan.
Perusahaan juga semakin memfokuskan pada The Company is also increasingly focusing on the
pengembangan Digital Banking yang development of Digital Banking in collaboration
bekerjasama dengan pihak ketiga dalam rangka with third parties for the provision of credit through
pemberian kredit melalui platform mobile mobile banking platforms (Digital Loan) in a
banking (Digital Loan) secara bertahap. gradual manner.
Selama Semester II - Desember 2024, During the Second Semester - December 2024,
Perusahaan berusaha mengembangkan bisnis the Company seeks to expand its business by
dengan melakukan diversifikasi produk dengan diversifying its products through development of
mengembangkan beberapa produk/aktivitas several new products/activities such as:
baru seperti:
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Page 741
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Reksa Dana Terproteksi STAR Protected • STAR Protected 24 is a protected mutual
24, yaitu reksa dana yang akan fund that will safeguard 100% of the
memproteksi 100% pokok investasi investor's principal investment at maturity,
investor pada saat jatuh tempo, dengan with a special feature of protection (but not
fitur khusus adanya proteksi (namun a guarantee) against the initial principal
bukan jaminan) terhadap nilai pokok investment value in the event of no default
investasi awal jika tidak terjadi wanprestasi (failure to pay) by the issuer of the
(gagal bayar) dari emiten penerbit bonds/debt securities used (in Rupiah
Obligasi/surat hutang yang digunakan currency). This product/activity has been
(dalam mata uang Rupiah). Produk/ live since July 2024;
aktivitas ini telah live pada Juli 2024;
• Term ROP (DMTM), yaitu produk asuransi • The term ROP (DMTM) refers to a term life
jiwa berjangka yang memberikan manfaat insurance product that provides life
perlindungan jiwa selama 12 tahun dan protection benefits for 12 years and a
manfaat pengembalian premi pada tahun premium refund benefit in the 8th policy
polis ke delapan. Produk/aktivitas ini telah year. This product/activity has been live
live pada Agustus 2024; since August 2024.;
• Pengembangan bisnis acquiring untuk • The development of acquiring business for
transaksi pembayaran menggunakan payment transactions using contactless
contactless dan lainnya kerjasama dengan and other collaborations with switching
lembaga switching (GPN) dan principal institutions (GPN) and international
internasional, termasuk Kartu Kredit principals, including Indonesian Credit
Indonesia (KKI), yaitu Pengembangan Card (KKI), namely the development of
issuing & acquirring untuk menerima issuing & acquiring to receive payments, in
pembayaran, bekerjasama dengan collaboration with switching institutions
lembaga switching (GPN), international (GPN), international principals, or other
principal ataupun pihak ketiga lainnya, third parties, such as contactless features
seperti fitur contactless pada EDC, on EDC, cardless withdrawal, etc. This
cardless withdrawal, dll. Produk/aktivitas product/activity has gone live in August
ini telah live pada Agustus 2024; 2024;
• Inquiry SIL Syariah dalam Mobile Banking, • The inquiry regarding SIL Syariah in
yaitu menampilkan informasi Portfolio Mobile Banking is to display the
Asuransi SIL Syariah yang dimiliki oleh information of the SIL Syariah Insurance
nasabah dengan status masih aktif. Portfolio owned by customers with an
Produk/aktivitas ini telah live pada 29 active status. This product/activity has
Agustus 2024; been live since August 29, 2024;
• Pembiayaan Pemilikan Rumah, yaitu • Home Ownership Financing, which is a
fasilitas pembiayaan kepemilikan financing facility for home/apartment
rumah/apartemen yang dijalankan sesuai ownership that is conducted in accordance
dengan prinsip Syariah. Produk/aktivitas with Sharia principles. This product/activity
ini telah live pada 5 September 2024; has been live since September 5, 2024;
• Kerjasama tarik dan setor dengan pihak • Collaboration for withdrawals and deposits
ketiga, sehingga nasabah Bank Sinarmas with third parties, allowing Bank Sinarmas
dapat melakukan transaksi tarik dan setor customers to conduct cash withdrawal and
tunai melalui pihak ketiga. Produk/ deposit transactions through third parties.
aktivitas ini telah live pada 27 Desember This product/activity has been live since
2024; December 27, 2024;
• Pembiayaan Joint Financing (Syariah), • Joint Financing (Sharia) financing, which is
yaitu pengembangan skema kerjasama the development of a financing linkage
linkage pembiayaan melalui perusahaan cooperation scheme through financing
pembiayaan. companies.
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Page 742
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perusahaan mengambil sejumlah strategi dalam The company has implemented several strategies
rangka mempertahankan kinerja Perusahaan to maintain its performance, such as operational
seperti aktivitas operasional yang dilakukan activities conducted in a hybrid manner (partly
secara hybrid (separuh dilakukan di rumah done at home (Work From Home) and partly at
(Work From Home) dan separuh dilakukan di the office (Work From Office). In addition, the
kantor (Work From Office). Di samping itu, company is increasingly active in promoting the
Perusahaan juga semakin gencar melakukan use of digital transactions through SimobiPlus.
sosialisasi penggunaan transaksi digital melalui The company is also developing partnerships with
SimobiPlus. Perusahaan juga mengembangkan digital platforms for the distribution of credit
kerjasama dengan platform digital dalam (digital loans) and digital banking as a whole. The
penyaluran kredit (digital loan) dan digital company is expanding its business by providing
banking secara keseluruhan. Perusahaan credit that prioritizes the principle of prudence
mengembangkan bisnis dengan menyalurkan through more selective lending, the
kredit yang mengutamakan prinsip kehati-hatian implementation of restructuring, and maintaining
dengan pemberian kredit secara lebih selektif, the company's liquidity and capital at adequate
adanya pelaksanaan restrukturisasi serta levels so that the company's operational and
menjaga likuiditas dan permodalan Perusahaan business activities can run smoothly.
pada level yang memadai sehingga aktivitas
operasional dan bisnis Perusahaan dapat
berjalan dengan lancar.
Pada Semester II - Desember 2024, Perusahaan In Second Semester - December 2024, the
telah menyusun Laporan Rencana Aksi Company has prepared the Recovery Plan
Pemulihan Bank Sinarmas Tahun 2024 Report for Bank Sinarmas Year 2024, referring to
(Recovery Plan) mengacu kepada ketentuan the provisions of OJK, namely POJK No. 5 of
OJK yaitu POJK No. 5 Tahun 2024 tentang 2024 concerning the Determination of
Penetapan Status Pengawasan dan Supervision Status and Handling of Issues of
Penanganan Permasalahan Bank Umum yang Commercial Banks, which has been submitted
telah disampaikan dan disetujui oleh OJK. and approved by OJK. The Recovery Plan Report
Laporan Recovery Plan juga disampaikan is also submitted to the internal Bank and
kepada internal Bank dan eksternal (publikasi). externally (publication).
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang Compliance risk is the risk caused by the
disebabkan Perusahaan tidak mematuhi atau Company is not complying or not implementing
tidak melaksanakan peraturan perundang- the prevailing laws and regulations, such as Net
undangan dan ketentuan lain yang berlaku, Open Position (PDN), Minimum Statutory
seperti Posisi Devisa Neto (PDN), Giro Wajib Reserves (GWM), Non-Performing Loan (NPL)
Minimum (GWM), Non-Performing Loan (NPL) Netto, Provisions for Minimum Capital Adequacy
Netto, Ketentuan Kewajiban Penyediaan Modal Rasio (CAR), Maximum Credit Lending Limit
Minimum (KPMM), Batas Maksimum Pemberian (LLL).
Kredit (BMPK).
Dalam rangka menerapkan manajemen risiko In order to implement an effective compliance risk
kepatuhan yang efektif, Perusahaan telah management, the Company identifies and
melakukan identifikasi dan pengelolaan manages the factors that can cause the increment
terhadap faktor-faktor yang dapat menyebabkan in compliance risk exposure, as follows:
meningkatnya eksposur risiko kepatuhan, yaitu:
• Meningkatkan kesadaran atas budaya • Increase awareness of the culture of
patuh melalui program kampanye compliance through a compliance
kepatuhan (Compliance Campaign) yang campaign program (Compliance
dilakukan ke seluruh jajaran organisasi Campaign) carried out at all levels of the
Perusahaan termasuk jaringan cabang Company's organization including branch
melalui pelatihan kelas dan E-Learning, networks through classroom training and
media komunikasi internal, sosialisasi E-Learning, internal communication media,
peraturan baru dari regulator maupun dissemination of new regulations from
Peraturan perundang-undangan lainnya. regulators and other laws and regulations.
Evaluasi terhadap program pelatihan, Evaluation of training programs,
sosialisasi dan kampanye kepatuhan socialization and compliance campaigns is
dilakukan secara berkala untuk carried out regularly to ensure the
memastikan efektivitas penyampaian, effectiveness of the delivery,
pemahaman serta pemenuhan kepatuhan understanding and compliance of all levels
pada seluruh jajaran organisasi on the Company's organization.
Perusahaan.
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Page 743
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Menyusun dan menerbitkan Manual Level • Prepare and publish Manual Level as a
sebagai panduan hierarki ketentuan hierarchy guide for internal regulations as
internal serta panduan unit-unit kerja well as guidelines for the Company work
Perusahaan dalam menyusun, units in preparing, publishing and reviewing
menerbitkan serta mengkaji ketentuan internal regulations.
internal.
• Dilakukan proses review terhadap seluruh • Review process is carried out on all internal
ketentuan internal Perusahaan untuk regulations of the Company to ensure
memastikan kesesuaian dengan compliance with the latest regulatory
ketentuan regulator yang terkini, provisions, ensure that there are no
memastikan tidak adanya ketentuan yang overlapping or conflicting provisions,
tumpang tindih atau saling bertentangan, improve risk control and simplify the
meningkatkan kontrol risiko serta process and number of regulations.
simplifikasi proses dan jumlah aturan.
• Melakukan pemantauan, memperdalam • Monitoring, deepening impact analysis and
analisa dampak serta menyusun tindak formulating effective follow-up on new
lanjut yang efektif atas peraturan baru regulations issued by OJK, Bank Indonesia
yang diterbitkan OJK, Bank Indonesia dan and other regulators. Dissemination and
regulator lainnya. Sosialisasi dan communication of new laws and
komunikasi atas peraturan perundang- regulations, impact analysis and follow-up
undangan baru, analisa dampak serta are carried out both through direct
tindak lanjut dilakukan baik melalui meetings with related units and through
pertemuan langsung dengan unit-unit internal communication media that are
terkait maupun melalui media komunikasi conveyed to the board of directors,
internal yang disampaikan ke jajaran commissioners, executive officers,
direksi, komisaris, pejabat eksekutif, management employees and all of the
karyawan pimpinan maupun seluruh Company’s employees.
karyawan Perusahaan.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain Reputation risk is a risk among others that from
disebabkan oleh adanya publikasi negatif yang negative publication of the Company’s activity or
terkait dengan kegiatan usaha Perusahaan atau negative perception on the Company.
persepsi negatif terhadap Perusahaan.
Salah satu upaya yang dilakukan Perusahaan One of the Company’s efforts to improve
untuk meningkatkan pengelolaan risiko reputasi reputation risk management includes among
antara lain melalui Contact Center untuk others through the Contact Center for providing
memberikan layanan informasi perbankan serta banking information services as well as receiving
menerima keluhan/pengaduan nasabah, complaints/customer’s complaints, Corporate
Corporate Secretary yang memberikan informasi Secretary for providing information that needs to
yang perlu disampaikan kepada be communicated to public/stakeholders related
publik/stakeholders terkait aktivitas Perusahaan, to the Company’s activity, as well as officers in the
serta petugas di kantor-kantor cabang yang office branches that at any time, provide
setiap saat dapat memberikan informasi kepada information to customers.
nasabah.
Selain itu pengendalian risiko reputasi juga In addition, the reputation risk control is also
dilakukan antara lain dengan melalui carried out, among others, through monitoring
pemantauan yang dilakukan oleh Unit Kerja conducted by the Corporate Secretary Working
Corporate Secretary terhadap berita yang Unit on news related to the Company in mass
berkaitan dengan Perusahaan di media massa. media.
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Page 744
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Transparansi produk yang ditawarkan kepada Transparency of products offered to customers is
nasabah sesuai dengan Peraturan Bank in accordance with Bank Indonesia Regulations
Indonesia mengenai Transparansi produk regarding product transparency through the
melalui website Perusahaan, serta upaya Company's website, as well as efforts to improve
peningkatkan standar layanan nasabah dengan customer service standards by conducting service
melakukan service excellence training kepada excellence training to officers, providing Service
para petugas, adanya unit kerja Service Quality Quality (SQ) work units to ensure the quality of
(SQ) yang bertugas untuk memastikan kualitas services provided by bank officers to customers
pelayanan yang diberikan oleh petugas bank and the existence of Quality Assurance in Contact
kepada nasabah serta terdapatnya Quality Center work units to ensure the quality of services
Assurance pada unit kerja Contact Center untuk from Call Center Agents and Telemarketing
memastikan kualitas pelayanan dari Agent Call Agents.
Center maupun Agent Telemarketing.
Tidak terdapat pemberitaan negatif yang There is no negative reporting that impacts the
berdampak terhadap reputasi Bank pada Kuartal reputation of the Bank in the fourth quarter of
IV tahun 2024. 2024.
Mengingat bahwa Perusahaan juga memiliki Considering that the Company also has
Entitas Anak sebagai Bank Umum Syariah Subsidiaries as Islamic Commercial Banks (BUS),
(BUS), maka pengelolaan risiko tidak hanya the risk management is not only conducted on 8
dilakukan pada 8 (delapan) risiko, akan tetapi (eight) risks, but there are also an additional 2
terdapat tambahan 2 (dua) jenis risiko lainnya (two) types of risks managed, namely:
yang dikelola yaitu:
Risiko Investasi Investment Risk
Risiko Investasi adalah Risiko akibat Investment Risk is the risk due to the Company
Perusahaan ikut menanggung kerugian usaha share in the loss of the customer's business
nasabah yang dibiayai dalam pembiayaan financed in the profit-sharing based financing
berbasis bagi hasil baik yang menggunakan using the net revenue sharing method or the profit
metode net revenue sharing maupun yang and loss sharing method.
menggunakan metode profit and loss sharing.
Sumber Risiko Investasi Perusahaan berasal The source of the company's investment risk
dari anak perusahaan, dimana Unit Usaha originates from its subsidiaries, where the Sharia
Syariah telah spin off menjadi PT Bank Nano Business Unit has been spunsh off into PT Bank
Syariah efektif mulai 1 Januari 2024. Risiko Nano Syariah effective January 1, 2024.
investasi merupakan turunan risiko kredit yang Investment risk is a derivative of credit risk arising
timbul karena aktivitas pembiayaan PT Bank from the financing activities of PT Bank Nano
Nano Syariah yang menggunakan akad berbasis Syariah that utilize profit-sharing agreements,
bagi hasil yaitu akad Mudharabah dan akad namely Mudharabah and Musyarakah
Musyarakah. agreements.
PT Bank Nano Syariah telah melakukan PT Bank Nano Syariah has established policies
penyusunan kebijakan dan/atau ketentuan and/or internal regulations in the field of financing
internal di bidang pembiayaan dan/atau and/or other fund provision to support the
penyediaan dana lainnya untuk mendukung management of healthy fund provision in
pengelolaan penyediaan dana yang sehat dan accordance with the principles of prudence and in
sesuai prinsip kehati-hatian serta sesuai dengan compliance with Sharia principles. In addition, PT
prinsip syariah. Selain itu, PT Bank Nano Bank Nano Syariah strives to diversify its portfolio
Syariah berupaya melakukan diversifikasi by increasing the outstanding non-corporate
portofolio dengan meningkatkan financing in accordance with the Bank's Business
outstanding pembiayaan non-korporasi sesuai Plan to reduce the concentration risk of fund
Rencana Bisnis Bank guna menurunkan provision through KUR and Micro Faedah
risiko konsentrasi penyediaan dana melalui products, Hajj financing, heavy equipment
produk KUR dan Micro Faedah, pembiayaan financing, and agricultural equipment financing,
Haji, pembiayaan alat berat (heavy equipment), where these products utilize Murabahah and
dan pembiayaan alat-alat pertanian Ijarah contracts.
dimana produk-produk tersebut menggunakan
akad Murabahah dan Ijarah.
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Page 745
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Risiko Imbal Hasil Rate of Return Risk
Risiko imbal hasil (Rate of Return Risk) adalah Rate of Return Risk is the risk arising from
risiko akibat perubahan tingkat imbal hasil yang changes in the rate of return paid by the Company
dibayarkan Perusahaan kepada nasabah, to customers, due to fluctuations in the rate of
karena terjadi perubahan tingkat imbal hasil return received by the Company from fund
yang diterima Perusahaan dari penyaluran dana, disbursement, which can affect the behavior of
yang dapat mempengaruhi perilaku nasabah third-party fund customers.
dana pihak ketiga Perusahaan.
Sumber risiko imbal hasil Perusahaan berasal The source of the Company's return risk comes
dari Entitas Anak, dimana Unit Usaha Syariah from the Subsidiary, where the Sharia Business
telah spin off menjadi PT Bank Nano Syariah Unit has been spun off into PT Bank Nano Syariah
efektif mulai 1 Januari 2024. effective January 1, 2024.
Pengelolaan terhadap tingkat imbal hasil kepada The management of the level of returns to
deposan masih terjaga dan terkelola dengan depositors is still maintained and adequately
memadai. PT Bank Nano Syariah terus managed. PT Bank Nano Syariah continues to
berupaya untuk semakin meningkatkan strive to further improve its ability to provide yield
kemampuan dalam memberikan tingkat imbal levels in accordance with customer expectations.
hasil sesuai dengan ekspektasi nasabah. Selain In addition, PT Bank Nano Syariah has made
itu, PT Bank Nano Syariah telah melakukan various efforts to improve the quality of financing
berbagai upaya perbaikan pada kualitas to mitigate the potential for a decrease in returns
pembiayaan guna mitigasi potensi penurunan received by banks from the distribution of funds,
imbal hasil yang diterima bank dari penyaluran including by conducting strict evaluation and
dana, antara lain dengan melakukan evaluasi monitoring of problematic debtors, and preparing
dan monitoring secara ketat terhadap debitur- an action plan to increase the portfolio through the
debitur yang bermasalah, dan menyusun action development of financing products so that it is
plan untuk meningkatkan portofolio melalui expected to generate an increase in returns.
pengembangan produk-produk pembiayaan
sehingga diharapkan dapat men-generate
peningkatan imbal hasil.
Selain itu, Perusahaan juga merupakan Entitas Furthermore, the Company is also the Main Entity
Utama (EU) dalam Konglomerasi Keuangan (EU) within the Sinar Mas Financial
Sinar Mas. Pengelolaan risiko oleh EU dalam Conglomerate. Risk management by the EU in
konglomerasi keuangan dilakukan dengan the financial conglomerate is carried out by
menambahkan risiko lain selain 8 (delapan) adding other risks in addition to the 8 (eight) main
risiko utama dan 2 (dua) risiko sehubungan risks and 2 (two) risks related to the Company has
Perusahaan memiliki anak usaha berupa Bank a subsidiary in the form of a Sharia Commercial
Umum Syariah (Bank Nano Syariah) yaitu Bank (Bank Nano Syariah), which includes 2
terdapat 2 (dua) tambahan risiko yaitu berupa (two) additional risks, namely Intra-group
Risiko Transaksi Intra-grup dan Risiko Asuransi Transaction Risk and Insurance Risk, as the
sehubungan Perusahaan merupakan entitas Company is the main entity in the Financial
utama dalam Konglomerasi Keuangan. Conglomerate.
1. Risiko Transaksi Intra-grup adalah risiko 1. Intra-group Transaction Risk is the risk due
akibat ketergantungan suatu entitas baik to the dependence of an entity, either directly
secara langsung maupun tidak langsung or indirectly, on another entity in a Financial
terhadap entitas lainnya dalam satu Conglomeration in the context of fulfilling the
Konglomerasi Keuangan dalam rangka obligations of a written agreement or an
pemenuhan kewajiban perjanjian tertulis unwritten agreement, whether followed by a
maupun perjanjian tidak tertulis baik yang transfer of funds and/ or not followed by a
diikuti perpindahan dana dan/atau tidak transfer of funds. In the management of
diikuti perpindahan dana. Dalam these intragroup transactions, the Company
pengelolaan transaksi intragrup tersebut always puts forward principles, such as
Perusahaan selalu mengedepankan approval for each transaction in accordance
prinsip-prinsip antara lain seperti adanya with the authority of each entity, transactions
persetujuan untuk setiap transaksi sesuai are carried out in accordance with prudential
dengan kewenangan di masing-masing principles and arm’s length principles and in
entitas, transaksi dilaksanakan sesuai accordance with regulatory procedures and
prinsip kehati-hatian dan prinsip arm’s regulations.
length serta sesuai dengan prosedur
maupun ketentuan regulator.
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Page 746
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. Risiko asuransi adalah risiko akibat 2. Insurance risk is the risk due to failure of the
kegagalan perusahaan asuransi insurance company to fulfill its obligations to
memenuhi kewajiban kepada pemegang policyholders as a result of inadequate risk
polis sebagai akibat dari ketidakcukupan selection processes (underwriting),
proses seleksi risiko (underwriting), determination of premiums (pricing), use of
penetapan premi (pricing), penggunaan reinsurance, and / or handling of claims.
reasuransi, dan/atau penanganan klaim. Insurance risk is managed considering that
Risiko asuransi dikelola mengingat in a financial conglomerate there is a
didalam konglomerasi keuangan terdapat financial service institution in the form of an
lembaga jasa keuangan berupa insurance company and reinsurance.
perusahaan asuransi dan re-asuransi.
Pada tahun 2024 telah dilakukan kaji ulang In 2024, a review of the parameters, risk weights,
parameter, bobot risiko dan threshold profil risiko and risk profile thresholds that have been
yang telah disusun dan disampaikan serta prepared, presented, and approved by the
disetujui oleh Komite Manajemen Risiko Integrated Risk Management Committee has
Terintegrasi. Selain itu Perusahaan telah been conducted. Additionally, the Company has
memiliki Risk Appetite & Risk Tolerance established an Integrated Risk Appetite & Risk
Terintegrasi Konglomerasi Keuangan Sinar Mas Tolerance for the Sinar Mas Financial
yang terlah disetujui oleh Komite Manajemen Conglomerate, which has been approved by the
Risiko Terintegrasi serta dilakukan pemantauan Integrated Risk Management Committee and is
secara berkala dan disampaikan kepada subject to regular monitoring and reporting to the
anggota Komite Manajemen Risiko Terintegrasi members of the Integrated Risk Management
melalui rapat. Committee through meetings.
Perusahaan selaku Entitas Utama Konglomerasi The Company as the Main Entity of the Sinar Mas
Keuangan Sinar Mas telah melakukan peniliaian Financial Conglomerate, has conducted a self-
sendiri (self assesment) secara berkala assessment periodically at least once every 6
minimum 6 (enam) bulan sekali sesuai dengan (six) months in accordance with the established
ketentuan yang telah ditetapkan serta regulations and has monitored the risk appetite
melakukan pemantauan risk appetite dan risk and risk tolerance communicated to the
tolerance yang disampaikan kepada Komite Integrated Risk Management Committee through
Manajemen Risiko Terintegrasi melalui rapat committee meetings and to the Board of
komite dan kepada Dewan komisaris Entitas Commissioners of the Main Entity via email as
Utama melalui surel sebagai salah satu bentuk one of the duties and responsibilities of the Board
tugas dan tanggung Jawab Dewan Komisaris of Commissioners of the Main Entity.
Entitas Utama.
Selain itu, saat ini Konglomerasi Keuangan Sinar In addition, the Sinar Mas Financial Conglomerate
Mas sedang melakukan pengembangan sistem is currently developing an integrated reporting
pelaporan terintegrasi yaitu Financial Services system, namely the Financial Services Integrated
Integrated System (FSIS) yang di bagi menjadi 4 System (FSIS), which is divided into four phases:
(empat) fase yaitu fase 1 terkait Otomasi phase 1 related to the Automation of Integrated
Laporan Profil Risiko Terintegrasi, fase 2 terkait Risk Profile Reports, phase 2 related to the
Otomasi Laporan KPMM Terintegrasi dan Automation of Integrated KPMM Reports and
Transaksi Intragrup, fase 3 terkait Otomasi Intragroup Transactions, phase 3 related to the
penyusunan dan monitoring Risk Appetite & Risk Automation of the preparation and monitoring of
Tolerance Terintegrasi dan fase 4 terkait Integrated Risk Appetite & Risk Tolerance, and
Otomasi penyusunan Stress Testing phase 4 related to the Automation of Integrated
Terintegrasi. Proses otomasi ini dilakukan Stress Testing preparation. This automation
dengan tujuan pelaporan eksposur risiko process is carried out with the aim of making the
Konglomerasi Keuangan Sinar Mas lebih akurat, reporting of the Sinar Mas Financial
tepat dan memadai serta sebagai mitigasi risiko Conglomerate's risk exposure more accurate,
operasional terutama dari human error. precise, and adequate, as well as serving as a
mitigation of operational risks, especially from
human error.
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Page 747
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Penilaian Profil Risiko Risk Profile Assessment
Secara berkala Perusahaan melakukan The Company periodically conducts risk
penilaian risiko terhadap kedelapan risiko diatas assessment of the eighth risks above per OJK’s
sebagaimana telah diatur oleh OJK. Penilaian regulation. The Company’s risks assessment is
risiko dilakukan melalui proses penilaian sendiri evaluated through self assessment process to
(self-assessment) untuk menghasilkan profil produce a risk profile which consists of inherent
risiko yang terdiri dari risiko inheren yaitu risiko risks to the Company’s activity and the quality of
yang melekat pada aktivitas Perusahaan dan risk management implementation i.e., control of
kualitas penerapan manajemen risiko yaitu inherent risk.
pengendalian terhadap risiko inheren.
Pada Semester II - Desember 2024, Perusahaan In Second Semester - December 2024, the
telah melakukan penilaian Profil Risiko dengan Company has conducted a Risk Profile
menggunakan parameter, rentang risiko dan assessment using the parameters, risk range, and
bobot risiko yang telah ditetapkan oleh Komite risk weights established by the Risk Management
Manajemen Risiko dan/atau Direksi. Secara Committee and/or the Board of Directors. Overall,
Keseluruhan penilaian komposit hasil penilaian the composite assessment results of the self-
sendiri (self assessment) profil risiko Semester II assessment of the risk profile for Second
- Desember 2024 berada pada peringkat 2 Semester - December 2024 are rated at 2 (two) -
(dua) - Low to Moderate dengan tren stabil Low to Moderate with a stable trend, with inherent
dengan penilaian risiko melekat (inherent risk) risk rated at 2 (two) or Low to Moderate and the
pada peringkat 2 (dua) atau Low to Moderate dan Quality of Risk Management Implementation
Kualitas Penerapan Manajemen Risiko (KPMR) (KPMR) rated at 2 (two) or Satisfactory.
pada peringkat 2 (dua) atau Satisfactory.
Selain itu, pada Semester II - Desember 2024, In addition, in Second Semester - December 2024,
Perusahaan juga telah melakukan penilaian the Company has also conducted a consolidated
Profil Risiko secara konsolidasi dengan Bank Risk Profile assessment with Bank Nano Syariah
Nano Syariah selaku anak usaha, dengan as a subsidiary, using parameters, risk ranges,
menggunakan parameter, rentang risiko dan and risk weights established by the Risk
bobot risiko yang telah ditetapkan oleh Komite Management Committee and/or the Board of
Manajemen Risiko dan/atau Direksi. Secara Directors. Overall, the composite assessment
Keseluruhan penilaian komposit hasil penilaian results of the self-assessment of the consolidated
sendiri (self assessment) profil risiko konsolidasi risk profile for Second Semester – December 2024
Semester II - Desember 2024 berada pada are rated 2 (two) - Low to Moderate with a stable
peringkat 2 (dua) - Low to Moderate dengan tren trend, with inherent risk rated at 2 (two) or Low to
stabil dengan penilaian risiko melekat (inherent Moderate and the Quality of Risk Management
risk) pada peringkat 2 (dua) atau Low to Implementation (KPMR) rated at 2 (two) or
Moderate dan Kualitas Penerapan Manajemen Satisfactory, showing no changes from First
Risiko (KPMR) pada peringkat 2 (dua) Semester I - June 2024.
atau Satisfactory dan tidak mengalami
perubahan dari Semester I - Juni 2024.
Selain penilaian sendiri (self assesment) Profil In addition to the self-assessment of the Risk
Risiko yang dilakukan pada Bank secara Profile conducted at the Bank on an individual and
individual dan konsolidasi dengan perusahaan consolidated basis with subsidiaries, the company
anak, perusahaan juga melakukan penilaian also performs a self-assessment of the Integrated
sendiri (self assesment) atas penilaian Profil Risk Profile assessment using parameters, risk
Risiko Terintegrasi dengan menggunakan ranges, and risk weights established by the
parameter, rentang risiko dan bobot risiko yang Integrated Risk Management Committee. In the
telah ditetapkan oleh Komite Manajemen Risiko Second Semester - December 2024, the overall
Terintegrasi. Pada Semester II - Desember 2024 composite assessment result of the self-
secara keseluruhan penilaian komposit hasil assessment of the risk profile is at rank 2 (two) -
penilaian sendiri (self assessment) profil risiko Low to Moderate with a stable trend, with inherent
berada pada peringkat 2 (dua) - Low to risk at rank 2 (two) or Low to Moderate and the
Moderate dengan tren stabil dengan penilaian Quality of Risk Management Implementation
risiko melekat (inherent risk) pada peringkat 2 (KPMR) at rank 2 (two) or Satisfactory, showing no
(dua) atau Low to Moderate dan Kualitas changes from the First Semester - June 2024.
Penerapan Manajemen Risiko (KPMR) pada
peringkat 2 (dua) atau Satisfactory, dan tidak
mengalami perubahan dari Semester I - Juni
2024.
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Page 748
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
46. Informasi Lainnya 46. Other Information
Perusahaan telah menghitung beberapa rasio Company has calculated certain (individual) ratios
(individu) pada tanggal 31 Desember 2024 dan as at December 31, 2024 and 2023 (unaudited)
2023 (tidak diaudit) sebagai berikut: as follow:
2024 2023
Aset produktif bermasalah terhadap Impaired productive assets to
total aset produktif 1,71% 1,66% total productive assets
Non Performing Loan (NPL) Non Performing Loan (NPL)
NPL secara bruto 1,88% 1,53% NPL gross
NPL secara neto 0,38% 0,35% NPL net
Loan to Deposit Ratio (LDR) 30,60% 40,94% Loan to Deposit Ratio (LDR)
Return On Assets (ROA) 0,57% 0,15% Return On Assets (ROA)
Return On Equity (ROE) 3,03% 1,07% Return On Equity (ROE)
Cadangan kerugian penurunan nilai Allowance for impairment losses
kredit terhadap kredit yang diberikan 10,79% 9,99% of net loans to total loans
a. Pada tanggal 31 Desember 2024 dan 2023, a. As at December 31, 2024 and 2023, there are
tidak terdapat penyediaan dana kepada no loans granted to related and third parties
pihak berelasi dan pihak ketiga yang which had exceeded the Company’s Legal
melampaui Batas Maksimum Pemberian Lending Limit (LLL).
Kredit (BMPK) Perusahaan.
b. Penerapan Program Anti Pencucian Uang b. Application of Anti-Money Laundering and
dan Pencegahan Pendanaan Terorisme Combating the Financing of Terrorism (APU
(APU dan PPT). and PPT).
Perusahaan senantiasa menerapkan prinsip The Company continues to apply the
APU dan PPT dalam pelaksanaan aktivitas principle of APU and PPT in the
pengenalan nasabah dengan mengacu implementation of customer recognition
pada kebijakan dan prosedur APU dan PPT activities with reference to the policies and
yang telah disempurnakan sesuai dengan procedures for APU and PPT that has been
Peraturan Bank Indonesia No. perfected in accordance with Bank Indonesia
14/27/PBI/2012 tentang Penerapan Regulation No. 14/27/PBI/2012 on
Program Anti Pencucian Uang dan Application of Anti-Money Laundering and
Pencegahan Pendanaan Terorisme Bagi Combating the Financing of Terrorism for
Bank Umum. Commercial Bank.
Kewajiban untuk menerapkan prinsip APU The obligation to apply the principles of APU
dan PPT tidak hanya terdapat dalam and PPT is not only contained in the
Peraturan Bank Indonesia saja, tetapi juga Regulation of Bank Indonesia, but also
ditegaskan dalam Undang-Undang Nomor 8 affirmed in Law No. 8 of 2010 on the
Tahun 2010 tentang Pencegahan dan Prevention and Suppression of Money
Pemberantasan Tindak Pidana Pencucian Laundering (Article 19), which basically
Uang (Pasal 19), yang pada intinya states that any person doing business with
menjelaskan bahwa setiap orang yang financial service providers must submit a
melakukan usaha dengan penyedia jasa complete identity, that besides financial
keuangan harus menyerahkan identitas diri services providers should also make sure the
secara lengkap, disamping itu penyedia jasa people who engage in business relations act
keuangan juga harus memastikan orang for themselves or others. If acting for others,
yang melakukan hubungan usaha bertindak then financial services providers should
untuk diri sendiri atau orang lain. Jika request information about the identity of the
bertindak untuk orang lain, maka penyedia other party.
jasa keuangan harus meminta informasi
mengenai identitas pihak lain tersebut.
Perusahaan akan terus memastikan bahwa The Company will continue to ensure that the
kebijakan dan prosedur tertulis mengenai policies and procedures of the APU and PPT
program APU dan PPT sejalan dengan programs are in line with the development
perkembangan modus pencucian uang atau mode of money laundering or terrorist
pendanaan terorisme. financing.
- 137 -
Page 749
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengkinian terhadap seluruh data nasabah Updating of all customer data by the
dilakukan Perusahaan secara terus- Company is on an ongoing basis using an
menerus dengan menggunakan approach based on the risk inherent in the
pendekatan berdasarkan risiko yang development of the client and updating
melekat pada nasabah yang bersangkutan customer data submitted to Bank Indonesia
dan perkembangan pengkinian data through the Director of Compliance Reports.
nasabah dikirimkan oleh Perusahaan
kepada Bank Indonesia melalui Laporan
Direktur Kepatuhan.
Pelatihan secara berkala kepada seluruh Periodic training of all employees regarding
karyawan Perusahaan mengenai APU dan the APU and PPT and prudential banking
PPT dan peraturan prudential banking regulations is made by the Compliance Unit
dilakukan oleh Unit Kepatuhan guna in order to create a culture of compliance in
mewujudkan budaya kepatuhan pada all business lines of the Company. The
seluruh lini bisnis Perusahaan. Pelatihan Training is done through e-learning that can
dilakukan melalui e-learning yang dapat be accessed by employees of the Company
diakses oleh karyawan Perusahaan serta and through face-to-face method periodically.
melalui metode tatap muka secara periodik.
c. Jaminan Pemerintah Terhadap Liabilitas c. Government Guarantee on Obligations of
Pembayaran Bank Umum Commercial Banks
Program penjaminan Pemerintah Government guarantee program is
dilaksanakan oleh Lembaga Penjamin implemented by the Deposit Guarantor
Simpanan (LPS). Agency (LPS).
LPS akan membayarkan klaim penjaminan The Deposit Guarantor Agency will settle the
yang layak dibayar setelah melalui prosedur qualified guaranteed claims based on results
rekonsiliasi dan/atau verifikasi sesuai of reconciliation and/or verification
dengan Peraturan Lembaga Penjamin procedures in accordance with prevailing
Simpanan (PLPS) yang berlaku. Deposit Guarantor Agency Regulations.
d. Kegiatan Wali Amanat d. Trusteeship Activities
Perusahaan memperoleh izin untuk The Company was granted with the license
menyelenggarakan kegiatan Wali Amanat to conduct trusteeship activity from the
dari Otoritas Jasa Keuangan (OJK) (d/h. Capital Market Supervisory Agency
BAPEPAM-LK) berdasarkan Surat Tanda (Bapepam-LK, now known as the Financial
Terdaftar Sebagai Wali Amanat No. Services Authority or "OJK") based on the
01/BL/STTD-WA/2009 tanggal 27 Agustus decision letter No. 01/BL/STTD-WA/2009
2009 dan telah diperbarui sesuai surat OJK dated August 27, 2009 which was renewed
nomor S-682/PM.223/2022 tanggal as per the letter of the OJK number
22 Agustus 2022. S-682/PM.223/2022 dated August 22, 2022.
Jasa-jasa yang dilakukan oleh Perusahaan The services provided by the Company as a
sebagai Wali Amanat adalah sebagai trustee are as follows:
berikut:
1. Jasa wali amanat dan agen pemantau 1. Trustee and monitoring agent services
untuk penerbitan obligasi/ sukuk dan for the issuance of bonds/sukuk and
MTN MTN
2. Jasa agen jaminan 2. Security agent service
Sejak tahun 2010 Perusahaan telah Since 2010, the Company has acted as
mewaliamanati 3 obligasi dengan nilai emisi Trustee for 3 bonds issuance with emission
sebesar Rp 2,8 triliun dan 21 MTN dengan value of Rp2.8 trillion and 21 MTN issuance
total emisi sebesar Rp 4,11 triliun. with total issuance of Rp4.11 trillion.
- 138 -
Page 750
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
e. Kegiatan Jasa Kustodian e. Custodian Services Activities
Perusahaan memberikan jasa kustodian The Company has provided custodian
dan memperoleh izin jasa kustodian services and obtained license to provide
berdasarkan Surat Keputusan Bapepam-LK custodian services from the Capital Market
No. KEP-21/BL/2012 tanggal 30 Januari Supervisory Agency (Bapepam-LK, now
2012 yang diperbaharui dengan Surat known as the Financial Services Authority or
Otoritas Jasa Keuangan (OJK) nomor "OJK") based on Decree No. KEP-
S-682/PM.223/2022 tanggal 22 Agustus 21/BL/2012 dated January 30, 2012 which
2022. was renewed by Letter of the OJK number
S-682/PM.223/2022 dated August 22, 2022.
Sejak September 2022, Perusahaan telah Since September 2022, the Company has
menyediakan jasa-jasa kustodian yang provided custodial services which in general
secara garis besar dapat dibagi menjadi dua can be divided into two, Custody Services
yaitu Layanan Kustodian Umum dan and Fund Services.
Layanan Pengadministrasian Fund.
Layanan Kustodian Umum terdiri dari Custody Services consist of safekeeping and
penyimpanan dan penyelesaian transaksi settlement of securities transaction,
efek, pengurusan hak-hak nasabah yang management of rights attached to customer’s
melekat pada efek, dan jasa perwakilan securities, and proxy services at GSM and
pada RUPS dan Rapat Umum Pemegang General Bondholder’s Meeting (GBM).
Obligasi (RUPO).
Layanan Pengadministrasian Fund untuk Fund Services for mutual funds, discretionary
reksa dana, kontrak pengelolaan dana fund, unit links and other collective
(KPD), unit link dan produk-produk berbasis investment contract-based products, consist
kontrak investasi kolektif lainnya yang of fund accounting services and unit
terdiri-dari layanan Fund Accounting dan registry/transfer agent services for
jasa unit registrar untuk pengadministrasian administering unit participation in these
unit penyertaan produk-produk tersebut. products.
Aset nasabah yang diadministrasikan The assets of the clients being administered
meliputi aset domestik yang disimpan dan include domestic assets that are held and
ditatausahakan di sentral kustodian recorded at the domestic central custodian
domestik (KSEI) dan offshore asset yang (KSEI) and offshore assets that are held at
disimpan di Clearstream Banking. Clearstream Banking.
Per 30 Desember 2024, Bank Kustodian As of December 30, 2024, the Custodian
Perusahaan telah mengadministrasikan Bank of the Company has administered client
aset nasabah dengan total Rp20,57 triliun assets totaling Rp20.57 trillion, both
baik individu mapun institusional dari individual and institutional, from various
berbagai industri seperti Bank, Manajer industries such as Banking, Investment
Investasi, Sekuritas, Asuransi, Dana Management, Securities, Insurance, Pension
Pensiun dan Korporasi lainnya. Funds, and other Corporations.
Perusahaan mengasuransikan portofolio The Company insures the customer's
nasabah yang disimpan di Bank Sinarmas portfolio held at Bank Sinarmas Custodian
Kustodian terhadap kemungkinan kerugian against possible losses arising from
yang timbul dari penyimpanan dan securities depository and transfer in
pemindahan efek sesuai dengan ketentuan accordance with Financial Services Authority
Otoritasi Jasa Keuangan. (OJK) regulations.
- 139 -
Page 751
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
47. Pengungkapan Tambahan Laporan Arus Kas 47. Additional Disclosures on Statements of Cash
Flows
Aktivitas investasi dan pendanaan yang tidak Non-cash investing and investing activities that do
mempengaruhi kas dan setara kas: not affect cash and cash equivalents:
2024 2023
Penghapusbukuan kredit 188.977 1.220.668 Write-off of loans
Penghapusbukuan aset tetap 66 129 Write-off of property and equipment
48. Rekonsiliasi Liabilitas yang Timbul dari 48. Reconciliation of Liabilities Arising from
Aktivitas Pendanaan Financing Activities
Tabel berikut menjelaskan perubahan pada The table below details the changes in the
liabilitas Perusahaan yang timbul dari aktivitas Company’s liabilities arising from financing
pendanaan, yang meliputi perubahan terkait kas activities, including both cash and non-cash
dan non-kas: changes:
Arus kas Perubahan nonkas/
1 Januari/ pendanaan/ Non-cash Changes 31 Desember/
January 1, Financing Perubahan lainnya/ December 31,
2024 cash flows Other changes 2024
Liabilitas sewa 133.368 (117.903) 114.451 129.916 Lease Liabilities
Obligasi Subordinasi 496.512 - 993 497.505 Subordinated Bonds
Jumlah 629.880 (117.903) 115.444 627.421 Total
Arus kas Perubahan nonkas/
1 Januari/ pendanaan/ Non-cash Changes 31 Desember/
January 1, Financing Perubahan lainnya/ December 31,
2023 cash flows Other changes 2023
Liabilitas sewa 113.628 (111.120) 130.860 133.368 Lease Liabilities
Obligasi Subordinasi 495.040 - 1.472 496.512 Subordinated Bonds
Jumlah 608.668 (111.120) 132.332 629.880 Total
49. Standar Akuntansi Keuangan Baru 49. New Financial Accounting Standards
Perubahan Pernyataan Standar Akuntansi Changes to the Statements of Financial
Keuangan (PSAK) Accounting Standards (SFAS)
Berlaku efektif sejak 1 Januari 2024 Effective from January 1, 2024
Perubahan dan interpretasi standar akuntansi The changes and interpretations of the financial
keuangan yang berlaku efektif sejak 1 Januari accounting standards which become effective
2024 adalah sebagai berikut: from January 1, 2024 are as follows:
- Amendemen PSAK No. 201, “Penyajian - Amendment to SFAS No. 201, “Presentation
Laporan Keuangan” terkait Liabilitas Jangka of Financial Statements” regarding Long-
Panjang dengan Kovenan term Liabilities with the Covenant
- Amendemen PSAK No. 116, “Sewa” terkait - Amendment to SFAS No. 116, “Leases”
Liabilitas Sewa pada Transaksi Jual dan regarding Lease Liabilities in Sale-and-lease
Sewa-balik Back Transaction
- 140 -
Page 752
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Penerapan standar akuntansi keuangan revisi The implementation of the following revised
berikut, yang berlaku efektif 1 Januari 2025, finansial accounting standards, which are
relevan bagi Bank namun tidak menyebabkan effective from Januari 1, 2025 and relevant for the
perubahan signifikan atas kebijakan akuntansi Bank, did not result in substantial changes to the
Bank dan tidak berdampak material terhadap Bank’s accounting policies and had no material
jumlah-jumlah yang dilaporkan dalam laporan effect on the amounts reported in the current
keuangan tahun berjalan: year’s finansial statements:
Diterapkan pada tahun 2025 Adopted during 2025
- Amandemen PSAK No. 117, “Kontrak - Amendment to SFAS No. 117, “Insurance
Asuransi” Contracts”
- Amendemen PSAK No. 221. “Pengaruh - Amendment to SFAS No. 221, “The Effects
Perubahan Kurs Valuta Asing of Changes in Foreign Exchange Rates”
Sampai dengan tanggal penerbitan laporan As at the date of authorization of these financial
keuangan, Perusahaan masih mempelajari statements, the Company’ still evaluating the
dampak yang mungkin timbul dari penerapan potential impact of the above amendments to
amendemen PSAK tersebut dan dampak SFAS and has not yet determined the related
tersebut pada laporan keuangan belum dapat effects on the financial statements.
ditentukan.
50. Informasi Tambahan yang Tidak 50. Additional Information that is Not Required by
Dipersyaratkan oleh Standar Akuntansi Indonesian Accounting Standards
Keuangan Indonesia
a. Giro pada Bank Indonesia a. Current Accounts with Bank Indonesia
Rasio GWM Perusahaan untuk mata uang The Company’s minimum liquidity reserve
Rupiah dan mata uang asing pada tanggal ratio for foreign and Rupiah currencies as of
31 Desember 2024 dan 2023 adalah: December 31, 2024 and 2023 are as follows:
2024 2023
% %
GWM yang telah dibentuk Company's liquidity reserve
Rupiah Rupiah
GWM Primer Primary reserve
Konvensional 12,63 10,08 Conventional
Syariah 14,23 37,83 Sharia
GWM Sekunder/PLM Secondary reserve
Konvensional 30,24 23,03 Conventional
Mata uang asing Foreign currency
Konvensional 4,05 4,10 Conventional
Pengungkapan lebih lanjut giro pada Bank The further disclosures on current accounts
Indonesia diungkapkan pada Catatan 4 with Bank Indonesia are presented in Note 4.
b. Giro pada Bank Lain b. Current Accounts with Other Banks
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, all
kualitas giro pada bank lain dikelompokkan demand deposits with other banks are
sebagai aset tetap lancar dan tidak terdapat classified as current and there are no
saldo giro pada bank lain yang diblokir. demand deposits with other banks which are
restricted.
2024 2023
Suku bunga rata-rata Average interest rate
Rupiah 1,00% 1,00% Rupiah
Mata uang asing 0,61% 0,61% Foreign currencies
Pengungkapan lebih lanjut giro pada Bank The further disclosures on current accounts
lain diungkapkan pada Catatan 5. with other Banks are presented in Note 5.
- 141 -
Page 753
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Penempatan pada Bank Indonesia dan c. Placements with Bank Indonesia and Other
Bank Lain Banks
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, all
penempatan pada Bank Indonesia dan bank placements with Bank Indonesia and other
lain dikelompokkan sebagai Lancar dan banks are classified as Current and there are
tidak terdapat penempatan yang dijaminkan no placements that are pledged as collateral
maupun yang diblokir. or considered as blocked.
Pengungkapan lebih lanjut penempatan The further disclosures on placements with
pada Bank Indonesia dan bank lain Bank Indonesia and other banks are
diungkapkan pada Catatan 6. presented in Note 6.
d. Efek-efek d. Securities
Pada tanggal 31 Desember 2024 dan 2023, As at December 31, 2024 and 2023, all
seluruh efek-efek dikelompokkan sebagai securities are classified as Current, except
Lancar, kecuali untuk efek-efek dalam for Loss securities amounting to Rp463,814
kelompok Macet sebesar Rp463.814 dan and Rp472,760.
Rp472.760.
Pengungkapan lebih lanjut efek-efek The further disclosures on Securities are
diungkapkan pada Catatan 7. presented in Note 7.
e. Kredit yang Diberikan dan Piutang/ e. Loans and Receivables/Sharia Financing
Pembiayaan Syariah
Pada tanggal 31 Desember 2024 dan 2023, The details of non-performing loans as of
rincian kredit bermasalah menurut sektor December 31, 2024 and 2023, based on
ekonomi sesuai ketentuan Otoritas Jasa economic sectors according to Otoritas Jasa
Keuangan adalah sebagai berikut: Keuangan regulation are as follows:
2024 2023
Rupiah Rupiah
Perdagangan besar dan eceran, reparasi, Whole sale and retail, repair, and
dan perawatan mobil dan sepeda motor 148.813 22.068 maintenance of cars and motorcycles
Rumah tangga 53.871 72.315 Household
Bukan lapangan usaha lainnya 5.006 727 Not other business fields
Industri pengolahan 3.786 3.961 Processing industry
Pertanian, kehutanan dan perikanan 3.325 3.062 Agriculture, foresty and fishery
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen 1.066 636 option rights, employment, travel agent
Penyediaan akomodasi dan penyediaan makan minum Accomodation and food and beverage
perjalanan dan penunjang usaha lainnya 798 4.304 and other business support
Pengangkutan dan pergudangan 560 393 Transportation and warehousing
Aktivitas jasa lainnya 244 1.200 Other service activities
Informasi dan komunikasi 110 2.355 Information and communication
Aktivitas keuangan dan asuransi 60 166 Financial and insurance activities
Aktivitas profesional, ilmiah, dan teknis 32 57 Professional, scientific and technical activity
Aktivitas kesehatan manusia dan aktivitas sosial 9 147.973 Human health activities and social activities
Konstruksi - 737 Contructions
Jasa pendidikan - 36 Education services
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, dan management and waste recycling, and
aktivitas remediasi - 14 remediation activities
Jumlah 217.680 260.004 Total
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023,
kredit non-performing yang telah dihentikan interest/profit sharing not accrued on non-
pembebanan bunganya/bagi hasilnya performing loans amounted to Rp217,680
masing-masing adalah sebesar Rp217.680 and Rp260,004, respectively.
dan Rp260.004.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2024 and
31 Desember 2024 dan 2023, jumlah kredit 2023, total restructured loans amounted to
yang direstrukturisasi masing-masing Rp93,074 and Rp479,140, respectively.
sebesar Rp93.074 dan Rp479.140.
- 142 -
Page 754
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengungkapan lebih lanjut pada Kredit yang The further disclosures on Loans and Sharia
Diberikan dan Pembiayaan/Piutang Syariah Financing/Receivables are presented in Note
diungkapkan pada Catatan 9. 9.
f. Tagihan dan Liabilitas Akseptasi f. Acceptances Receivables and Payable
Kolektibilitas tagihan akseptasi pada Collectibility of acceptances receivable as at
tanggal 31 Desember 2024 dan 2023 adalah December 31, 2024 and 2023 are follows:
sebagai berikut:
2024 2023
Rupiah Rupiah
Pihak ketiga Third parties
Lancar 7.382 29.791 Current
Mata uang asing (Catatan 39) Foreign currencies (Note 39)
Pihak ketiga Third parties
Lancar 30.762 50.073 Current
Jumlah 38.144 79.864 Total
Pengungkapan lebih lanjut pada Tagihan The further disclosures on Acceptances
dan Liabilitas Akseptasi diungkapkan pada Receivable and Payable are presented in
Catatan 10. Note 10.
g. Aset dan Liabilitas dalam Mata Uang Asing g. Monetary Assets and Liabilities Denominated
in Foreign Currencies
Posisi Devisa Neto (PDN) Net Open Position (NOP)
Berikut ini disajikan rincian posisi devisa The Company’s net open position as
neto Perusahaan sebagaimana submitted to Bank Indonesia follows:
disampaikan Perusahaan kepada Bank
Indonesia:
2024
Laporan Posisi Keuangan dan
Rekening Administratif/
Statements of Financial Position Bersih
and Administrative Account Absolut/
Aset/ Liabilitas/ Net
Mata Uang Assets Liabilities Absolute Currencies
Dolar Amerika Serikat 7.185.250 7.232.443 47.193 United States Dollar
Yen Jepang 13.450 7.012 6.438 Japanese Yen
Dolar Singapura 110.921 105.179 5.742 Singapore Dollar
Dolar Australia 548.992 549.647 655 Australian Dollar
Euro 54.011 44.506 9.505 Euro
Yuan China 37.542 36.969 573 China Yuan
Poundsterling Inggris 3.381 1.027 2.354 Great Britain Poundsterling
Dolar Hong Kong 4.707 - 4.707 Hong Kong Dollar
Riyal Saudi Arabian 857 - 857 Saudi Arabian Riyal
Dolar New Zealand 3.548 1.026 2.522 New Zealand Dollar
Jumlah 7.962.659 7.977.809 80.546 Total
- 143 -
Page 755
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023
Laporan Posisi Keuangan dan
Rekening Administratif/
Statements of Financial Position Bersih
and Administrative Account Absolut/
Aset/ Liabilitas/ Net
Mata Uang Assets Liabilities Absolute Currencies
Dolar Amerika Serikat 8.711.350 9.189.214 477.864 United States Dollar
Yen Jepang 10.305 6.598 3.707 Japanese Yen
Dolar Singapura 64.288 64.132 156 Singapore Dollar
Dolar Australia 77.037 74.868 2.169 Australian Dollar
Euro 61.678 43.684 17.994 Euro
Yuan China 44.600 41.685 2.915 China Yuan
Poundsterling Inggris 6.111 1.168 4.943 Great Britain Poundsterling
Dolar Hong Kong 1.924 - 1.924 Hong Kong Dollar
Riyal Saudi Arabian 1.071 869 202 Saudi Arabian Riyal
Dolar New Zealand 2.145 82 2.063 New Zealand Dollar
Jumlah 8.980.509 9.422.300 513.937 Total
Posisi devisa neto pada tanggal Net open position as of December 31, 2024
31 Desember 2024 dan 2023 dihitung and 2023 is computed in accordance with the
berdasarkan Peraturan Bank Indonesia. Bank Indonesia Regulation. The
Rasio PDN konsolidasian pada tanggal 31 consolidation NOP ratio’s submitted by the
Desember 2024 dan 2023 yang dilaporkan Company to Bank Indonesia as of December
pada Bank Indonesia masing-masing 31, 2024 and 2023 are 1.06% and 6.57%,
adalah sebesar 1,06% dan 6,57%. respectively.
Pengungkapan lebih lanjut pada Aset dan The further disclosures on Monetary Assets
Liabilitas Mata Uang Asing diungkapkan and Liabilities Denominated in Foreign
pada Catatan 39. Currencies are presented in Note 39.
h. Aset lain-lain h. Aset lain-lain
Berikut adalah rincian agunan yang diambil The classification of foreclosed assets and
alih dan properti terbengkalai berdasarkan abandoned properties subject to Bank
kolektibilitasnya sesuai ketentuan Bank Indonesia regulation is as follows:
Indonesia:
2024 2023
Lancar 1.112 1.481 Current
Kurang lancar 2.934 3.346 Substandard
Diragukan 25.479 41.068 Doubtful
Macet 86.888 79.726 Loss
Jumlah 116.413 125.621 Total
Manajemen berpendapat bahwa jumlah Management believes that the allowance of
cadangan kerugian penurunan nilai untuk impairment losses for other assets is
aset lain-lain adalah cukup untuk menutup adequate to cover possible losses that may
kemungkinan kerugian yang akan timbul arise from these assets.
akibat tidak tertagihnya aset tersebut.
Pengungkapan lebih lanjut pada Aset lain- The further disclosures on Other assets are
lain diungkapkan pada Catatan 16. presented in Note 16.
- 144 -
Page 756
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
i. Tujuan dan Kebijakan Manajemen Risiko i. Financial Risk Management Objectives and
Keuangan Policies
Profil Risiko Risk Profile
Dalam rangka pelaksanaan proses dan In order to implement an effective Risk
sistem Manajemen Risiko yang efektif, maka Management process and system, the
Perusahaan sebagaimana yang Company as mandated in the Regulatory
diamanatkan dalam Ketentuan Regulator Provisions concerning the Implementation of
mengenai Penerapan Manajemen Risiko Commercial Bank Risk Management has
Bank Umum telah membentuk Komite established a Risk Management Committee
Manajemen Risiko dimana keanggotaan where the membership of the Risk
Komite Manajemen Risiko terdiri dari Management Committee consists of the
Mayoritas Direksi dan Pejabat Eksekutif majority of the Board of Directors and Bank
Bank. Komite Manajemen Risiko dibentuk Executive Officers. The Risk Management
dengan tugas antara lain penyusunan Committee was formed with the tasks of,
kebijakan, strategis, dan pedoman among others, formulating policies,
penerapan Manajemen Risiko, serta strategies, and guidelines for the
perbaikan atau penyempurnaan implementation of Risk Management, as well
pelaksanaan Manajemen Risiko as improving or perfecting the
berdasarkan hasil evaluasi pelaksanaan implementation of Risk Management based
Manajemen Risiko. on the results of the evaluation of the
implementation of Risk Management.
Selanjutnya Perusahaan juga telah Furthermore, the Company has also
membentuk Risk Management Group established an independent Risk
(RMG) yang independen terhadap Satuan Management Group (RMG) that operates
Kerja Operasional (risk taking unit) dan separately from the Operational Work Unit
terhadap satuan kerja yang melaksanakan (risk-taking unit) and the work unit that carries
fungsi pengendalian intern, dan dalam out the internal control function, and in
pelaksanaan tugasnya bertanggung jawab carrying out its duties is directly responsible
langsung kepada Direktur Kepatuhan dan to the Director of Compliance and Risk
Manajemen Risiko. Pembentukan Risk Management. The establishment of the Risk
Management Group telah disesuaikan Management Group has been adjusted to the
dengan kebutuhan dan kompleksitas bisnis needs and complexity of the company's
perusahaan. Adapun tugas dan tanggung business. The duties and responsibilities of
jawab Risk Management Group (Satuan the Risk Management Group (Risk
Kerja Manajemen Risiko) antara lain Management Work Unit) includes, among
mencakup: others:
• Memberikan masukan kepada Direksi • Provide input to the Board of Directors in
dalam penyusunan kebijakan, strategi, the development of policies, strategies
dan kerangka manajemen risiko; and risk management framework;
• Menyusun dan mengembangkan • • Develop procedures and tools for the
prosedur dan alat untuk identifikasi, identification, measurement, monitoring,
pengukuran, pemantauan, dan and controlling of risks;
pengendalian risiko;
• Mendesain dan menerapkan perangkat • • Design and implement the necessary
yang dibutuhkan dalam melakukan tools to identify, measure, monitor, and
identifikasi, pengukuran, pemantauan, control risks and information systems;
dan pengendalian risiko serta sistem
informasi;
• Memantau implementasi kebijakan, • • Monitor the implementation of policies,
strategi, dan kerangka manajemen strategies and risk management
risiko yang direkomendasikan oleh framework recommended by the Risk
Komite Manajemen Risiko dan yang Management Committee and approved
telah disetujui oleh Direksi; by the Board of Directors;
- 145 -
Page 757
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Memantau posisi/eksposur risiko • • Monitor overall risk position/exposure, or
secara keseluruhan, maupun per risiko one by one, including monitoring of
termasuk pemantauan kepatuhan compliance with risk tolerance and limits
terhadap toleransi risiko dan limit yang set;
ditetapkan;
•
• Melakukan stress testing guna • • Conduct stress testing to determine the
mengetahui dampak dari implementasi impact of the implementation of policies
kebijakan dan strategi manajemen and strategies of risk management of the
risiko terhadap portofolio atau kinerja portfolio or overall performance of the
Perusahaan secara keseluruhan; Company;
• Mengkaji usulan aktivitas dan/atau • • Evaluate the proposed activity and/or a
produk baru yang dikembangkan oleh new product developed by a particular
suatu unit tertentu Perusahaan. unit of the Company. The assessment
Pengkajian difokuskan terutama pada focused primarily on aspects of the
aspek kemampuan Perusahaan untuk Company’s ability to manage activities
mengelola aktivitas dan/atau produk and/or new product including the
baru termasuk kelengkapan sistem dan complete system and the procedures
prosedur yang digunakan serta used and their impact on the overall risk
dampaknya terhadap eksposur risiko exposure of the Company;
Perusahaan secara keseluruhan;
• Memberikan rekomendasi kepada • • Provide recommendations to the working
satuan kerja bisnis dan/atau kepada unit of business and/or to the Risk
Komite Manajemen Risiko terkait Management Committee related to the
penerapan manajemen risiko antara implementation of risk management,
lain mengenai besaran atau maksimum regarding the amount or maximum risk
eksposur risiko yang dapat dipelihara exposure of the Company to be
Perusahaan; maintained;
• Mengevaluasi akurasi dan validitas data • • Evaluate the accuracy and validity of
yang digunakan oleh Perusahaan untuk data used by the Company to measure
mengukur risiko bagi Perusahaan yang risks for the Company that using models
menggunakan model untuk keperluan for internal purposes;
internal;
• Menyusun dan menyampaikan laporan • • Prepare and submit the risk profile report
profil risiko kepada Direktur Utama, to the President Director, Director of Risk
Direktur Manajemen Risiko, dan Komite Management, and Risk Management
Manajemen Risiko secara berkala atau Committee on a regular basis or at least
paling kurang secara triwulanan. on a quarterly basis. The frequency of
Frekuensi laporan harus ditingkatkan reporting should be increased if market
apabila kondisi pasar berubah dengan conditions change rapidly;
cepat;
• Melaksanakan kaji ulang secara berkala • • Conduct periodic review with a frequency
dengan frekuensi yang disesuaikan tailored to the needs of the Company’s
kebutuhan Perusahaan, untuk need to ensure:
memastikan:
1. Kecukupan kerangka manajemen 1. Adequacy of the risk management
risiko; framework;
2. Keakuratan metodologi penilaian 2. The accuracy of the risk assessment
risiko; dan methodology; and
3. Kecukupan sistem informasi 3. Adequacy of the risk management
manajemen risiko. information system.
• Menyusun dan menyampaikan rencana • • Prepare and submit plans and realization
dan realisasi rencana kerja Komite of the Company's Risk Management
Manajemen Risiko Perusahaan sebagai Committee's work plan as a guide in
panduan dalam menjalankan tugas dan carrying out the committee's duties and
tanggung jawab komite untuk disetujui responsibilities to be approved by the
oleh Direksi dan/atau Komite Board of Directors and/or the Risk
Manajemen Risiko; Management Committee;
- 146 -
Page 758
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Menyusun dan menyampaikan • • Prepare and submit the Guidelines and
Pedoman dan Tata Tertib Kerja Komite Work Rules of the Company's Risk
Manajemen Risiko Perusahaan dalam Management Committee in order to
rangka penguatan penerapan tata strengthen the implementation of
kelola dan manajemen risiko dengan governance and risk management by
mengacu pada ketentuan Regulator referring to the provisions of the
dan ketentuan Internal mengenai Regulator and Internal provisions
Penerapan Tata Kelola dan Penerapan regarding the Implementation of
Manajemen Risiko untuk disetujui oleh Governance and the Implementation of
Direksi dan/atau Komite Manajemen Risk Management to be approved by the
Risiko. Board of Directors and/or the Risk
Management Committee.
Risiko Kredit Credit Risk
Perusahaan secara berkesinambungan The Company has continuously and/or will
telah dan/atau akan melakukan perbaikan make improvements in the credit process,
dan penyempurnaan dalam proses kredit including:
antara lain:
• Melakukan pemisahan Risk Appetite & • • Separating Loans and Securities Risk
Risk Tolerance Kredit dan Surat Appetite & Risk Tolerance and
Berharga serta melakukan pemisahan separating the parameter of Company’s
parameter CKPN NPL terbagi kedalam Allowance for Impairment Loss NPL,
CKPN NPL Perusahaan, CKPN NPL Collective Allowance for Impairment
Kolektif dan CKPN NPL Individual Loss NPL, and Individual Allowance for
dimana pemisahan ini menyesuaikan Impairment Loss NPL, where this
dengan penerapan CKPN mengacu separation is adjusted to application of
pada PSAK 71 yang telah Allowance for Impairment Loss referring
diimplementasikan oleh Perusahaan; to PSAK 71 that has been implemented
by the Company;
• Menetapkan dan melakukan • • Establishing and monitoring Loans and
pemantauan Risk Appetite dan Risk Securities of Risk Appetite and Risk
Tolerance untuk rasio NPL Net dan Tolerance for the Company's Net and
Gross Bank, NPL per Segmentasi, Gross NPL ratios, NPL by Segmentation,
Sektor Ekonomi Kredit & Surat Economic Sectors of Loans and
Berharga, Debitur Inti, CKPN untuk NPL Securities, Core Debtors, Company’s
Perusahaan, CKPN NPL Kolektif, Allowance for Impairment Loss for NPL,
CKPN NPL Individual, Rasio Collective Allowance for Impairment
Pembiayaan Inklusif Makroprudensial Loss NPL, and Individual Allowance for
(RPIM); Impairment Loss NPL, Macroprudential
Inclusive Financing Ratio (RPIM);
• Optimalisasi fungsi Early Warning oleh • • Optimizing the Early Warning function by
Credit Management Group (Corporate Credit Management Group (Corporate &
& Commercial) dan Credit Management Commercial) dan Credit Management
Group (MSME & Consumer) untuk Group (MSME & Consumer) to detect
mendeteksi dini kinerja, prospek dan early performance, prospects and
kemampuan membayar debitur untuk debtor’s ability to pay in order to minimize
meminimalkan risiko gagal bayar the risk of default and/or decrease in
dan/atau penurunan kolektibilitas yang collectibility which has an impact on the
berdampak pada penambahan addition of allowance of impairment
pembentukan cadangan kerugian asset provision;
penurunan nilai (CKPN);
• Peningkatan fungsi Credit • • Improvement of the Credit Administration
Administration and Control (CAC) and Control (CAC) function in ensuring
dalam memastikan dan memperkuat and strengthening the Monitoring
fungsi Monitoring atas pemenuhan function on fulfill compliance of covenant
kepatuhan terhadap covenant dan and document completeness;
kelengkapan dokumen;
- 147 -
Page 759
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Menindaklanjuti Siaran Pers OJK • • Following OJK’s Press Release No SP-
No. SP-41/OJK/GKPB/III/2024 tentang 41/OJK/GKPB/III/2024 regarding the
Pengumuman Berakhirnya Stimulus Announcement of the Termination of
Restrukturisasi Kredit Perbankan dalam Banking Credit Restructuring Stimulus in
Rangka Penanganan Pandemi Covid- the Context of Handling the Covid-19
19, antara lain dengan menetapkan Pandemic, it is determined that the
Pengajuan restrukturisasi Covid-19 submission of Covid-19 restructuring
maksimal sampai dengan 31 Maret shall be allowed until
2024 dengan jangka waktu fasilitas bagi March 31, 2024, with a facility period for
Debitur yang terdampak Covid- debtors affected by Covid-19 that may
19 dapat melebihi jangka waktu exceed the restructuring deadline of
penetapan restrukturisasi di 31 Maret March 31, 2024. Company may continue
2024. Perusahaan tetap dapat the ongoing COVID-19 credit
melanjutkan restrukturisasi kredit restructuring, but the assessment of
Covid-19 yang sudah berjalan, namun asset quality after March 31, 2024 will be
penilaian kualitas aset setelah melewati based on the POJK asset quality
31 Maret 2024 akan mengacu kepada assessment, and it will not be allowed to
POJK penilaian kualitas aset dan tidak provide COVID-19 restructuring to
diperkenankan untuk memberikan debtors after March 31, 2024. New credit
restrukturisasi Covid-19 kepada Debitur restructuring applications can be made in
setelah 31 Maret 2024. Pengajuan accordance with the applicable normal
restrukturisasi kredit baru dapat provisions, following POJK No
dilakukan dengan mengacu pada 40/POJK03/2019 regarding the
ketentuan normal yang berlaku yaitu Assessment of General Banks' Asset
mengikuti POJK No. 40/POJK.03/2019 Quality;
tentang Penilaian Kualitas Aset Bank
Umum;
• Melakukan pengkinian kebijakan, • • Updating policies, Standard of
Standard of Procedure (SOP), Surat Procedure (SOP), circular letter a
Edaran (SE), Surat Keputusan (SK) decision letter to improve the end-to-end
untuk menyempurnakan proses kredit credit process adjusted to changes in
secara end to end disesuaikan dengan business factors or strategies, risk
perubahan faktor atau stratejik bisnis, exposure, risk profile and applicable
eksposur risiko, profil risiko dan regulatory provisions;
ketentuan regulator yang berlaku;
• Memantau pemenuhan dokumen • • Monitor the fulfillment of credit covenant
covenant kredit sesuai yang disyaratkan documents as required in the Offering
pada Offering Letter dan segera Letter and immediately follow up if there
ditindaklanjuti apabila terdapat are covenants that cannot be fulfilled and
covenant yang tidak dapat dipenuhi dan ensure that the mitigation of covenant
memastikan mitigasi atas deviations is adequate and prudent in
penyimpangan covenant telah order to minimize the risks that will be
memadai dan prudent guna faced by the Group;
meminimalisir risiko yang akan dihadapi
oleh Grup;
• Melakukan pengendalian risiko kredit • • Managing credit risk control from each
dari masing-masing unit bisnis dalam business unit in terms of handling credit,
hal penanganan kredit, memantau monitoring the progress of resolving
progress penyelesaian debitur problematic debtors, and conducting
bermasalah dan melakukan penagihan intensive collections,
yang intensif, lelang/agunan yang auctions/foreclosed assets (AYDA), and
diambil alih (AYDA), dan pemasaran marketing of collateral through digital
jaminan melalui media digital dan non and non-digital media as well as write-
digital serta hapus buku; offs;
- 148 -
Page 760
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Melakukan monitoring ketepatan • • Conducting monitoring of payment
pembayaran dan flowrate untuk accuracy and flow rate for customers
nasabah seluruh segmen, across all segments, ensuring
keberlanjutan terhadap kinerja usaha & sustainability of business performance
kemampuan bayar debitur existing. and the repayment capacity of existing
Melakukan restrukturisasi kepada debtors. Implementing restructure for
debitur-debitur yang mengalami debtors who experiencing a decline in
penurunan usaha dengan tetap business while still considering the
memperhatikan ketentuan baik dari provisions regarding debtor character,
karakter debitur, usaha yang masih the business that is still operating as a
berjalan sebagai sumber pembayaran, source of payment, business prospects,
prospek usaha, dan masih memiliki and has ability to pay;
kemampuan membayar;
• Mengupayakan penyaluran kredit ke • • Striving to credit distributions to sectors
sektor yang tergolong sustainable that are considered sustainable financing
financing dengan tetap memperhatikan while still paying attention to the
kondisi ekonomi dan risk appetite Grup; economic conditions and the Group's risk
appetite;
• Pelaksanaan corporate credit quality • • The implementation of corporate credit
assurance dalam rangka menjaga quality assurance in order to maintain the
ketertiban dokumentasi kredit, order of credit documentation, discipline
kedisiplinan pemantauan kredit, in credit monitoring, fulfillment of
pemenuhan covenant dan persyaratan covenants and credit requirements, as
kredit serta pemantauan kualitas well as monitoring the quality of the credit
portofolio kredit yang bertujuan untuk portfolio aimed at promoting the creation
mendorong terciptanya proses of a quality and well-monitored credit
pemberian kredit yang berkualitas dan granting process;
terpantau dengan baik;
• Monitoring portfolio kredit secara • • Daily monitoring of the credit portfolio,
harian, melakukan pemeriksaan terkait checking debtor documents, and
dokumen debitur, dan melakukan monitoring the handling and collection
monitoring proses penanganan dan process, improving the quality of
penagihan, meningkatkan kualitas potential debtors by using third-party
calon debitur dengan menggunakan data as a comparison in credit decision-
data pihak ketiga sebagai data making;
pembanding dalam pengambilan
keputusan kredit;
• Secara bertahap melakukan • • Gradually reduce exposure to credit
pengurangan eksposur konsentrasi concentration to core debtors in order to
kredit kepada debitur inti guna meet the Risk Appetite and Risk
memenuhi Risk Appetite dan Risk Tolerance that have been determined by
Tolerance yang sudah ditentukan oleh the Company;
Perusahaan;
• Pembentukan CKPN secara bulanan • • Provision of allowance of impairment
berdasarkan metode PSAK No. 109 dan losses on a monthly basis based on
secara bertahap melakukan SFAS No. 109 Method and gradually
penambahan pembentukan CKPN agar adding allowance of impairment asset
memadai sesuai dengan Risk Appetite provision in order to adequately follow
dan Risk Tolerance Perusahaan agar with the Company's Risk Appetite and
siap menghadapi kemungkinan risiko Risk Tolerance so that it is ready to face
kredit yang akan terjadi; possible credit risks that will occur;
- 149 -
Page 761
PT BANK SINARMAS TBK DAN ENTITAS ANAK PT BANK SINARMAS TBK AND SUBSIDIARY
Catatan Atas Laporan Keuangan Konsolidasian Notes to the Consolidated Financial Statements
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Melakukan stress testing guna • • Perform stress testing to determine the
mengetahui dampak penurunan impact of reducing the collectibility of
kolekbilitas debitur bermasalah troubled debtors on NPL, increasing the
terhadap NPL, penambahan provision of allowance of impairment
pembentukan CKPN, modal dan CAR asset, capital and CAR of the Company;
Perusahaan;
• Melakukan penyusunan profil risiko • • Perform the preparation of the
Perusahaan yang dilaporkan secara Company’s risk profile which is reported
triwulanan dan semesteran. Laporan quarterly and semi-annually. This risk
profil risiko ini menggambarkan risiko profile report describes the risks inherent
yang melekat dalam kegiatan bisnis in bank business activities (inherent risk)
bank (inherent risk) termasuk kualitas including the quality of risk management
penerapan manajemen risiko untuk implementation for each type of risk; and
masing-masing jenis risiko; dan
• Melakukan pelaporan dan pemantauan • • Reporting and monitoring the provision
penyediaan dana dan BMPK baik of funds and LLL to both relevant parties
kepada pihak terkait maupun kepada and non-relevant parties every month.
selain pihak terkait setiap bulan.
Risiko Likuiditas Liquidity Risk
Rasio likuiditas yaitu Liquidity Coverage The liquidity ratios, namely the Liquidity
Rasio (LCR) dan Net Stable Funding Rasio Coverage Ratio (LCR) and the Net Stable
(NSFR) pada bulan Desember 2024 masing- Funding Ratio (NSFR), in December 2024
masing sebesar 281,3% dan 190,7% untuk were 281.3% and 190.7% respectively for
individual dan sebesar 301,81% dan 195,2% individual entities, and 301.81% and 195.2%
untuk konsolidasi dengan perusahaan anak, for consolidated entities with subsidiaries.
kedua rasio likuiditas ini baik secara individu Both liquidity ratios, whether individually or
maupun secara konsolidasi dengan consolidated with subsidiaries, have met the
perusahaan anak telah memenuhi regulatory requirements, which is a minimum
ketentuan regulator yaitu minimal sebesar of 100%. With the high LCR and NSFR ratios,
100%. Dengan tingginya rasio LCR dan the Group's liquidity risk is assessed as low,
NSFR Grup maka tingkat risiko likuiditas reflecting that the Group possesses high-
Grup dinilai rendah dan tercermin bahwa quality assets that are more than sufficient to
Grup memiliki aset berkualitas tinggi yang meet its obligations.
sangat mencukupi untuk memenuhi
kewajiban Grup.
- 150 -
Page 762
Lampiran 1 Attachment 1
PT BANK SINARMAS TBK PT BANK SINARMAS TBK
(ENTITAS INDUK) (PARENT)
Laporan Posisi Keuangan Statement of Financial Position
tanggal 31 Desember 2024 dan 2023 as at December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
ASET ASSETS
Kas dan setara kas 469.088 388.102 Cash and cash equivalent
Giro pada Bank Indonesia 4.694.101 6.022.812 Demand deposits with Bank Indonesia
Demand deposits with other banks
Giro pada bank lain - pihak ketiga 1.900.099 2.656.867 - third parties
Cadangan kerugian penurunan nilai (565) (932) Allowance for impairment losses
Jumlah - bersih 1.899.534 2.655.935 Net
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
dan bank lain 8.282.115 6.263.389 other banks
Cadangan kerugian penurunan nilai (139) (12) Allowance for impairment losses
Jumlah - bersih 8.281.976 6.263.377 Net
Efek-efek 17.246.193 18.132.071 Securities
Cadangan kerugian penurunan nilai (245) (269) Allowance for impairment losses
Jumlah - bersih 17.245.948 18.131.802 Net
Efek-efek yang dibeli dengan janji jual Securities purchased under agreements
kembali 193.748 to resell
Bunga diterima dimuka yang belum diamortisasi (1.533) - Unamortized interest received
Jumlah - bersih 192.215 - Net
Kredit yang diberikan dan piutang/
pembiayaan syariah 11.181.724 16.871.446 Loans and receivables/sharia financing
Cadangan kerugian penurunan nilai (774.038) (1.686.246) Allowance for impairment losses
Jumlah - bersih 10.407.686 15.185.200 Net
Tagihan akseptasi - pihak ketiga 38.144 79.864 Acceptances receivable - third parties
Cadangan kerugian penurunan nilai (15) (1.560) Allowance for impairment losses
Jumlah - bersih 38.129 78.304 Net
Penyertaan saham 659.290 - Investments in shares
Pendapatan yang masih akan diterima 272.974 326.751 Accrued income
Biaya dibayar dimuka 551.152 921.948 Prepaid expenses
Aset tetap dan aset hak guna - setelah Property and equipment - net of
dikurangi akumulasi penyusutan sebesar accumulated depreciation of
Rp1.793.837 dan Rp1.631.510 Rp1,793,837 and Rp1,631,510 as at
masing-masing pada tanggal December 31, 2024 and 2023,
31 Desember 2024 dan 2023 1.493.793 1.606.075 respectively
Aset Ijarah - setelah dikurangi Ijarah assets - net of
akumulasi penyusutan sebesar accumulated depreciation of
Rp119.251, pada tanggal Rp119,251 as at
31 Desember 2023 - 384.218 December 31, 2023
Aset pajak tangguhan - bersih 87.680 214.568 Deferred tax assets - net
Aset lain-lain - bersih 314.688 455.904 Other assets - net
JUMLAH ASET 46.608.254 52.634.996 TOTAL ASSETS
- 151 -
Page 763
Lampiran 1 Attachment 1
PT BANK SINARMAS TBK PT BANK SINARMAS TBK
(ENTITAS INDUK) (PARENT)
Laporan Posisi Keuangan (lanjutan) Statement of Financial Position (continued)
tanggal 31 Desember 2024 dan 2023 as at December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
LIABILITAS, DANA SYIRKAH TEMPORER LIABILITIES, TEMPORARY SYIRKAH
DAN EKUITAS FUNDS AND EQUITY
Liabilitas Liabilities
Liabilitas segera 154.187 165.101 Liabilities immediately payable
Simpanan 36.534.618 35.142.585 Deposits
Simpanan dari bank lain 80.995 327.445 Deposits from other banks
Efek-efek yang dijual dengan janji beli Securities sold under agreements
kembali - pihak ketiga 879.455 1.051.717 to repurchase - third parties
Utang pajak 38.704 52.572 Taxes payable
Liabilitas akseptasi 38.160 79.880 Acceptances payable
Beban yang masih harus dibayar 33.706 43.816 Accrued expenses
Liabilitas imbalan kerja jangka panjang 37.340 35.426 Long-term employee benefits liability
Obligasi subordinasi - bersih 497.505 496.512 Subordinated bonds - net
Liabilitas lain-lain 361.476 393.854 Other liabilities
Jumlah Liabilitas 38.656.146 37.788.908 Total Liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan - 7.003.551 Deposits
Simpanan dari bank lain Deposits from other banks
Pihak ketiga - 15.769 Third parties
Jumlah Dana Syirkah Temporer - 7.019.320 Total Temporary Syirkah Funds
Ekuitas Equity
Modal saham - nilai nominal Rp 100 Capital stock - Rp 100
(dalam Rupiah penuh) per saham (in full Rupiah) par value per share
Modal dasar - 60.000.000.000 saham Authorized - 60,000,000,000 shares
Modal ditempatkan dan disetor - Issued and paid-up shares
19.716.162.403 saham dan 19.716.162.403 19,716,162,403 and 19,716,162,403
saham masing-masing pada tanggal shares as of December 31, 2024 and
31 Desember 2024 dan 2023 1.971.616 1.971.616 2023, respectively
Tambahan modal disetor - bersih 3.552.194 3.552.194 Additional paid-in capital - net
Komponen ekuitas lainnya 502.000 588.242 Other equity components
Saldo laba Retained earnings
Ditentukan penggunaannya 10.000 9.500 Appropriated
Tidak ditentukan penggunaannya 1.916.298 1.705.216 Unappropriated
1.926.298 1.714.716
Jumlah Ekuitas 7.952.108 7.826.768 Total Equity
JUMLAH LIABILITAS, DANA SYIRKAH TOTAL LIABILITIES, TEMPORARY
TEMPORER DAN EKUITAS 46.608.254 52.634.996 SYIRKAH FUNDS AND EQUITY
- 152 -
Page 764
Lampiran 2 Attachment 2
PT BANK SINARMAS TBK PT BANK SINARMAS TBK
(ENTITAS INDUK) (PARENT)
Laporan Laba Rugi Statement of Profit or Loss
dan Penghasilan Komprehensif and Comprehensive Income
Untuk Tahun-Tahun yang Berakhir For the Years Ended
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUES AND EXPENSES
Pendapatan bunga 3.018.913 2.781.795 Interest revenues
Pendapatan syariah - 734.016 Sharia income
Beban bunga (829.608) (632.923) Interest expense
Beban syariah - (259.569) Sharia expenses
Interest Revenues and Profit Sharing
Pendapatan Bunga dan Bagi Hasil - Bersih 2.189.305 2.623.319 Income - Net
Pendapatan Operasional Lainnya Other Operating Revenues
Provisi dan komisi selain dari Fees and commissions other than
kredit 434.165 425.536 from loans
Keuntungan kurs mata uang asing - bersih 103.446 76.312 Gain on foreign exchange - net
Keuntungan dari kenaikan nilai wajar efek-efek Gain on increase in fair value of securities
yang diukur melalui laba rugi - bersih 5.052 67.541 at fair value through profit and loss - net
Keuntungan dari penjualan efek-efek yang diukur Gain on sale of fair value of securities
melalui laba rugi - bersih 146.827 - at fair value through profit and loss - net
Penerimaan kembali aset yang
telah dihapusbukukan 177.832 123.196 Recovery of written-off assets
Lain-lain 28.830 233.480 Others
Jumlah Pendapatan Operasional 3.085.457 3.549.384 Total Operating Revenues
Beban Operasional Lainnya Other Operating Expenses
Kerugian penurunan nilai aset keuangan 61.070 895.494 Impairment losses on financial assets
Umum dan administrasi 1.328.509 1.196.199 General and administrative expenses
Tenaga kerja 1.102.573 1.018.965 Personnel expenses
Penyusutan aset tetap dan Depreciation - property and equipment
aset hak guna 283.244 267.244 and right of use assets
Biaya komisi 39.760 33.303 Commission expense
Kerugian dari penjualan efek-efek yang diukur Loss on sale of fair value of securities
melalui laba rugi - bersih - 7.725 at fair value through profit and loss - net
Lain-lain 10.645 56.876 Others
Jumlah Beban Operasional 2.825.801 3.475.806 Total Operating Expenses
LABA SEBELUM PAJAK 259.656 73.578 PROFIT BEFORE TAX
BEBAN PAJAK TAX EXPENSE
Kini 51.896 78.960 Current
Tangguhan (557) (1.904) Deferred
Penyesuaian tahun lalu - (79.274) Previous year adjustment
51.339 (2.218)
LABA BERSIH 208.317 75.796 PROFIT FOR THE YEAR
PENGHASILAN (RUGI) KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME (LOSS)
Pos yang akan direklasifikasi Item that will be reclassified subsequently to
ke laba rugi profit or loss
Penghasilan (rugi) yang belum direalisasi atas Unrealized gain (loss) on change in fair value
perubahan nilai wajar dari efek-efek yang of securities at fair value through other
diukur melalui penghasilan komprehensif lain (107.352) 368.028 comprehensive income
Pajak sehubungan dengan pos yang Tax relating to items that will be
akan direklasifikasi 21.110 15.211 reclassified
(86.242) 383.239
Pos yang tidak akan direklasifikasi ke laba rugi -
bersih setelah dampak pajak tangguhan Items that will not be reclassified to profit or loss
Revaluasi aset tetap - 86.375 Gain on revaluation of property and equipment
Pengukuran kembali liabilitas imbalan kerja Remeasurement of long-term employee
jangka panjang (3.865) (4.217) benefits liability
Pajak sehubungan dengan pos yang tidak Tax relating to items that will not be
akan direklasifikasi 735 567 reclassified
(3.130) 82.725
JUMLAH (RUGI) LABA KOMPREHENSIF LAIN (89.372) 465.964 TOTAL OTHER COMPREHENSIVE (LOSS) INCOME
JUMLAH LABA KOMPREHENSIF 118.945 541.760 TOTAL COMPREHENSIVE INCOME
LABA BERSIH PER SAHAM EARNINGS PER SHARE
(dalam Rupiah penuh) (in full Rupiah)
Dasar 10,57 3,84 Basic
- 153 -
Page 765
Lampiran 3 Attachment 3
PT BANK SINARMAS TBK PT BANK SINARMAS TBK
(ENTITAS INDUK) (PARENT)
Laporan Perubahan Ekuitas Statement of Changes in Equity
Untuk Tahun-Tahun yang Berakhir For the Years Ended
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Komponen Ekuitas Lainnya/Other Equity Components
Laba (Rugi) yang
Belum Direalisasi
atas Perubahan Surplus
Nilai Wajar Efek/ Revaluasi
Tambahan Modal Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs
Disetor - Bersih/ on Change in Revaluation Ditentukan Tidak Ditentukan
Catatan/ Modal Saham/ Addition Paid Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Jumlah Ekuitas/
Notes Capital Stock in Capital Securities and Equipment Appropriated Unappropriated Total Equity
Saldo pada tanggal 1 Januari 2023/
Balance as of January 1, 2023 1.971.616 3.552.194 (275.115) 393.743 9.000 1.633.570 7.285.008
Pembentukan cadangan umum/
Appropriation for general reserve 42 - - - - 500 (500) -
Laba tahun berjalan/
Profit for the year - - - - - 75.796 75.796
Penghasilan (rugi) komprehensif lain/
Other comprehensive income (loss)
Rugi yang belum direalisasi atas perubahan
nilai wajar efek-efek yang diukur pada
nilai wajar melalui penghasilan
komprehensif lain - bersih/
Unrealized loss on change in fair value of
securities measured at fair value through
other comprehensive income - net 7,35 - - 383.239 - - - 383.239
Pengukuran kembali liabilitas imbalan
kerja jangka panjang - bersih/
Remeasurement of long - term
employee benefits liability - net 35,41 - - - - - (3.650) (3.650)
Surplus revaluasi aset tetap/
Revaluation surplus of property & equipment 13 - - - 86.375 - - 86.375
Saldo pada tanggal 31 Desember 2023/
Balance as of December 31, 2023 1.971.616 3.552.194 108.124 480.118 9.500 1.705.216 7.826.768
- 154 -
Page 766
Lampiran 3 Attachment 3
PT BANK SINARMAS TBK PT BANK SINARMAS TBK
(ENTITAS INDUK) (PARENT)
Laporan Perubahan Ekuitas (lanjutan) Statement of Changes in Equity (continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Komponen Ekuitas Lainnya/Other Equity Components
Laba (Rugi) yang
Belum Direalisasi
atas Perubahan Surplus
Nilai Wajar Efek/ Revaluasi
Tambahan Modal Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs
Disetor - Bersih/ on Change in Revaluation Ditentukan Tidak Ditentukan
Catatan/ Modal Saham/ Addition Paid Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Jumlah Ekuitas/
Notes Capital Stock in Capital Securities and Equipment Appropriated Unappropriated Total Equity
Saldo pada tanggal 1 Januari 2024/
Balance as of January 1, 2024 1.971.616 3.552.194 108.124 480.118 9.500 1.705.216 7.826.768
Pembentukan cadangan umum/
Appropriation for general reserve 42 - - - - 500 (500) -
Laba tahun berjalan/
Profit for the year - - - - - 208.317 208.317
Penghasilan (rugi) komprehensif lain/
Other comprehensive income (loss)
Rugi yang belum direalisasi atas perubahan
nilai wajar efek-efek yang diukur pada
nilai wajar melalui penghasilan
komprehensif lain - bersih/
Unrealized loss on change in fair value of
securities measured at fair value through
other comprehensive income - net 7,35 - - (86.242) - - - (86.242)
Pengukuran kembali liabilitas imbalan
kerja jangka panjang/
Remeasurement of long - term
employee benefits liability - net 35,41 - - - - - (3.130) (3.130)
Efek pemisahan Unit Usaha Syariah/
Effect of Spin-off Sharia Unit 26 - - - - - 6.395 6.395
Saldo pada tanggal 31 Desember 2024/
Balance as of December 31, 2024 1.971.616 3.552.194 21.882 480.118 10.000 1.916.298 7.952.108
- 155-
Page 767
Lampiran 4 Attachment 4
PT BANK SINARMAS TBK PT BANK SINARMAS TBK
(ENTITAS INDUK) (PARENT)
Laporan Arus Kas Statement of Cash Flow
Untuk Tahun-Tahun yang Berakhir For the Years Ended
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Angka-angka disajikan dalam jutaan Rupiah, (Figures are presented in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM OPERATING ACTIVITIES
Pendapatan bunga 3.072.690 2.766.341 Interest revenues
Pendapatan syariah - 825.965 Sharia income
Pendapatan operasional lainnya 676.486 658.322 Other operating income
Beban bunga (838.725) (622.726) Interest expenses
Beban syariah - (254.037) Sharia expenses
Kerugian selisih kurs
mata uang asing - bersih (138.561) 228.376 Loss on foreign exchange - net
Pembayaran pajak penghasilan badan (69.116) (189.791) Payment of corporate income tax
Beban umum dan administrasi (1.322.350) (1.199.899) General and administrative expenses
Beban tenaga kerja (1.102.573) (1.018.965) Salaries expense
Beban operasional lainnya (48.289) (248.442) Other operational expenses
Arus kas operasional sebelum perubahan Operating cash flow before changes in operating
aset dan liabilitas operasi 229.562 945.144 assets and liabilities
Penurunan (kenaikan) aset operasi: Decrease (increase) in operating assets :
Efek-efek 780.109 943.036 Securities
Efek yang dibeli dengan janji dijual kembali (192.215) - Securities purchased under agreements to resell
Kredit yang diberikan 4.895.072 (508.345) Loans
Pembiayaan syariah - (2.000.631) Sharia financing
Pembayaran tagihan akseptasi 41.720 (1.882) Payment of acceptance receivables
Biaya dibayar dimuka 370.796 357.505 Prepaid expenses
Aset ijarah - (85.805) Ijarah assets
Aset lain-lain 26.752 25.120 Other assets
Kenaikan (penurunan) liabilitas operasi: Increase (decrease) in operating liabilities :
Liabilitas segera (10.914) 36.037 Liabilities immediately payable
Simpanan 1.940.123 2.745.559 Deposits
Simpanan dari bank lain (246.450) 313.296 Deposits from other banks
Utang pajak 3.352 4.557 Taxes payable
Efek yang dijual dengan janji beli kembali (172.262) 1.051.717 Securities sold under agrements to repurchase
Liabilitas akseptasi (41.720) 1.815 Acceptances payables
Liabilitas lain-lain 84.362 300.664 Other liabilities
Kenaikan (penurunan) dana syirkah Increase (decrease) in syirkah
temporer: temporary funds:
Simpanan (7.019.320) 686.542 Deposits
Simpanan dari bank lain - (185.634) Deposits from other banks
Kas Bersih Diperoleh dari (Digunakan untuk)
Aktivitas Operasi 688.967 4.628.695 Net Cash Provided by (Used for) Operating Activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIES
Penyertaan modal pada entitas anak (659.290) - Investment in subsidiaries
Hasil penjualan aset tetap 767 824 Proceeds from sale of property and equipment
Perolehan aset tetap (140.292) (189.091) Acquisitions of property and equipment
Kas Bersih Digunakan untuk Aktivitas Investasi (798.815) (188.267) Net Cash Used in Investing Activities
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIES
Penerimaan (pembayaran) liabilitas sewa (117.903) (111.120) Receipts (payment) from lease liabilities
Kas Bersih Diperoleh dari (Digunakan untuk)
Aktivitas Pendanaan (117.903) (111.120) Net Cash Provided by (Used for) Financing Activities
KENAIKAN (PENURUNAN) BERSIH NET INCREASE (DECREASE) IN CASH AND
KAS DAN SETARA KAS (227.751) 4.329.308 CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT THE
KAS DAN SETARA KAS AWAL TAHUN 15.331.170 11.042.096 BEGINNING OF THE YEAR
Pengaruh perubahan kurs mata uang asing 241.984 (40.234) Effect on foreign exchange rate changes
CASH AND CASH EQUIVALENTS AT END OF
KAS DAN SETARA KAS AKHIR TAHUN 15.345.403 15.331.170 THE YEAR
PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL DISCLOSURES
Kas dan Setara Kas terdiri dari: Cash and Cash Equivalents Consist of :
Kas 469.088 388.102 Cash
Giro pada Bank Indonesia 4.694.101 6.022.812 Demand deposits with Bank Indonesia
Giro pada bank lain 1.900.099 2.656.867 Demand deposits with other banks
Penempatan pada Bank Indonesia
dan bank lain - jangka waktu jatuh Placements with Bank Indonesia and other bank
tempo tiga bulan atau kurang sejak - original maturities of three months or less
tanggal perolehan 8.282.115 6.263.389 from the acquisition date
Jumlah Kas dan Setara Kas 15.345.403 15.331.170 Total Cash and Cash Equivalents
- 156-
Page 768
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Page 769
Page 770
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2024
2024
Annual & Sustainability Report
Laporan Tahunan & Keberlanjutan
PT. Bank Sinarmas Tbk.
Sinar Mas Land Plaza
Jl. M.H Thamrin kav 51,
Menara 1, Lantai 1 & 2,
Jakarta 10350 - Indonesia
www.banksinarmas.com
Names mentioned 91 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.2 ×5
unresolved
org
Bank Sinarmas Tagline
p.6 ×2
unresolved
org
Bank Indonesia
p.10 ×19
unresolved
org
Bank IKHTISAR Indonesia KINERJA
p.10
unresolved
org
Indonesia Stock Exchange
p.15 ×3
unresolved
org
Bank Sinarmas Phase I Year Analisis
p.16
unresolved
org
Bank Administrator RDN-Bank Pembayaran Pendukung
p.18
unresolved
org
Bank Awards
p.20
unresolved
org
Bank Awards Konvensional
p.20
unresolved
org
Bank Awards Commercial Bank
p.20
unresolved
org
Bank Award
p.21
unresolved
org
Bank Sinarmas. Festive Gift
p.25
unresolved
org
Bank Sinarmas. Kedepan
p.34
unresolved
person
Ikhtisar Kinerja
· Independent Commissioner
p.34
unresolved
—
Apresiasi
· Appreciation
p.34
unresolved
org
Bank Sinarmas Pendukung Bisnis Tbk.
p.36 ×2
unresolved
org
PT. Bank Sinarmas Tbk’s.
p.36
unresolved
org
Kementerian Keuangan
p.37
unresolved
org
Pusat
p.38
unresolved
org
Bank Indonesia’s
p.39
unresolved
person
Amandalia Johanes
· Direktur
p.45 ×4
unresolved
person
Frenky Tirtowijoyo
· Direktur Utama
p.46 ×5
unresolved
person
Miko Andidjaja
· Direktur
p.46 ×5
unresolved
person
Ekajaya Ongny Putra
· Direktur
p.46 ×4
unresolved
person
Enny Kamal
· Direktur
p.46 ×5
unresolved
org
Dasar Hukum Pendirian
· Nama Perusahaan
p.50
unresolved
person
Buniarti Tjandra
· Notaris
p.50 ×2
unresolved
org
PT Bank Shinta Indonesia.
p.50 ×7
unresolved
person
Triphosa Lily Ekadewi
p.50 ×2
unresolved
org
Bank Sinarmas COMPANY PROFILE
p.51
unresolved
org
PT Shinta Utama
p.51 ×2
unresolved
org
Bank Persepsi
p.52
unresolved
org
Bank Umum Devisa
p.52
unresolved
org
Sinarmas Multiartha Tbk.
p.52 ×4
unresolved
org
PT Bank Nano
p.53
unresolved
org
Syariah
p.53
unresolved
org
PT Asuransi Sinar Mas.
p.53
unresolved
org
PT Asuransi Sinar Mas. Di
p.53
unresolved
org
Bank Shinta
p.54 ×3
unresolved
org
PT Bank Shinta Indonesia Indonesia.
p.54
unresolved
org
PT Bank Sinarmas Initial
p.54
unresolved
org
PT Shinta
p.54
unresolved
org
Bank Umum Syariah Keberlanjutan
p.54
unresolved
org
PT Bank Nano Syariah
p.54 ×2
unresolved
org
Bank Sinarmas Bank Sinarmas Sharia Business
p.54
unresolved
org
Bank Indonesia Certificates.
p.60
unresolved
person
Aulia Taufani
· Notaris
p.61 ×3
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. AHU-
p.61
unresolved
org
Bank Sinarmas’s Sharia Business
p.61
unresolved
org
Minister of Law and Human Rights
p.61
unresolved
org
Reksa Dana Star Stable Income Fund
p.62
unresolved
org
Reksa Dana Simas Pendapatan
p.62
unresolved
org
Reksa Dana Terproteksi Star
p.62 ×2
unresolved
org
Reksa Dana Indeks Simas Sri Kehati
p.62
unresolved
org
Bank Garansi
p.62 ×2
unresolved
person
Forum Komunikasi
· Direktur
p.65
unresolved
—
FKDKP
· Director
p.65
unresolved
person
ExperienceDirector
· Director
p.67
unresolved
org
PT Sulindafin
p.69 ×2
unresolved
org
PT Lima Sempurna Makmur
p.69 ×2
unresolved
org
Bank Dagang Nasional Indonesia
p.70 ×2
unresolved
org
Pemeriksa Keuangan
p.71
unresolved
org
Yayasan Keluarga
p.71
unresolved
org
Yayasan Keluarga Pahlawan Negara
p.71 ×2
unresolved
org
Bank Windu Kentjana
p.71 ×2
unresolved
org
Kantor Akuntan Publik Hadori
p.71
unresolved
org
Yayasan Keluarga Pahlawan
p.71
unresolved
org
PT Bank Index Selindo
p.77 ×2
unresolved
org
PT Bank UOB
p.77
unresolved
org
PT Bank CTBC Indonesia
p.77 ×2
unresolved
org
PT Bank UOB Indonesia Overview
p.77
unresolved
person
Piagam
· Komisaris
p.97
unresolved
org
Bank Sinarmas’ GCG
p.196
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