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Kesinambungan Tema
Theme Continuity
Advancing Together,
Driving Collaborative
Growth
Pada tahun 2024, PT Bank Ina Perdana Tbk secara aktif In 2024, PT Bank Ina Perdana Tbk actively strengthened
memperkuat semangat kebersamaan dan sinergi sebagai the spirit of togetherness and synergy as the main
fondasi utama bagi kemajuan perusahaan. Bank terus foundation for the Company’s progress. The Bank
mendorong kolaborasi lintas unit, mengoptimalkan continued to promote cross-unit collaboration,
teknologi digital, serta memperluas jaringan layanan optimize digital technology, and expand its service
guna mendukung pertumbuhan yang inklusif. network to support inclusive growth. In addition to
Selain bertumpu pada inovasi dan strategi internal, focusing on innovation and internal strategies, the Bank
Bank juga mempererat hubungan dengan nasabah, also strengthened its relationships with customers,
mitra bisnis, regulator, dan seluruh pemangku business partners, regulators, and all stakeholders.
kepentingan.
Pendekatan kolaboratif dalam menciptakan nilai jangka This collaborative approach to creating long-term value
panjang ini selaras dengan prinsip environmental, social, aligns with environmental, social, and governance
and governance (ESG). Melalui kerja sama yang solid, (ESG) principles. Through solid cooperation, Bank
Bank INA mendorong berbagai inisiatif berkelanjutan, INA promotes various sustainable initiatives, such
seperti literasi keuangan, layanan inklusif, transformasi as financial literacy, inclusive services, responsible
digital yang bertanggung jawab, serta tata kelola yang digital transformation, and transparent governance.
transparan. Dengan mengedepankan kolaborasi dan By prioritizing collaboration and shared growth,
pertumbuhan bersama, Bank semakin mempertegas the Bank further affirms its commitment to becoming
komitmen untuk menjadi bank hybrid yang adaptif, a hybrid bank that is adaptive, operates with integrity,
berintegritas, dan memberikan dampak positif bagi and delivers a positive impact on the national financial
ekosistem keuangan nasional. ecosystem.
PT Bank Ina Perdana Tbk 1
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2023
Navigating Sustainable Growth Through Digital
Innovation and Customer Engagement Excellence
PT Bank Ina Perdana Tbk terus berupaya untuk mengembangkan bisnis yang sustainable melalui
berbagai inovasi, solusi, dan produk digital yang didukung layanan nasabah yang prima dan
andal. Bank INA melakukan terobosan yang inovatif ditandai dengan peluncuran Layanan Bina
Digital, termasuk Pinjaman Digital Bina. Selain itu, Bank INA juga terus mendorong pertumbuhan
kinerja operasional dan keuangan Bank, terutama pada penyaluran kredit di segmen UMKM dan
komersial.
PT Bank Ina Perdana Tbk consistently develops a sustainable business through various innovations,
solutions, and digital products, which are supported by excellent and reliable customer services.
Bank INA made an innovative breakthrough, marked by the launching of Bina Digital Services,
including Bina Digital Loans. Furthermore, Bank INA also constantly encourages its operational and
financial performance growth, especially in lending to MSME and commercial segments.
Sanggahan dan Batasan Tanggung Jawab
Disclaimer and Limitation of Liability
Laporan Tahunan 2024 PT Bank Ina Perdana Tbk The 2024 Annual Report of PT Bank Ina Perdana Tbk (hereinafter
(yang selanjutnya disebut “Bank INA” atau “Bank”) referred to as “Bank INA” or the “Bank”) was prepared based on
disusun berdasarkan Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation No. 29/POJK.04/2016
No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau on Annual Reports of Issuers or Public Companies and Financial
Perusahaan Publik serta Peraturan Otoritas Jasa Keuangan Services Authority Regulation No. 51/POJK.03/2017 on the
No. 51/POJK.03/2017 tentang Penerapan Keuangan Implementation of Sustainable Finance for Financial Services
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Institutions, Issuers and Public Companies. The content of this
Perusahaan Publik. Muatan konten laporan ini sesuai dengan report is in accordance with the Financial Services Authority
Surat Edaran Otoritas Jasa Keuangan No. 16/SEOJK.04/2021 Circular No. 16/SEOJK.04/2021 on the Form and Content of
tentang Bentuk dan Isi Laporan Tahunan Emiten atau Annual Reports of Issuers or Public Companies and the criteria
Perusahaan Publik dan kriteria Annual Report Award. for the Annual Report Award.
Laporan ini memuat informasi terkait prinsip-prinsip This report contains information regarding the sustainability
keberlanjutan dalam seluruh aspek bisnis yang dijalankan serta principles in all aspects of business carried out as well as
kinerja ekonomi, sosial, dan lingkungan Bank selama periode the economic, social, and environmental performance of
1 Januari 2024 hingga 31 Desember 2024, disertai dengan the Bank during the period of January 1, 2024, to December
perbandingan kinerja tahun-tahun sebelumnya. Selain itu, 31, 2024, accompanied by a comparison of previous years’
Laporan Tahunan ini juga menyajikan informasi terkait proyeksi performance. This Annual Report also presents information
kerja Bank di tahun selanjutnya yang disusun berdasarkan related to the Bank’s work projections in the following year
2 PT Bank Ina Perdana Tbk
Page 5
2022
Pursuing Prudent and Effective Growth
Pertumbuhan dan keberlanjutan usaha yang sehat dan berdaya tahan menjadi fokus sasaran
setiap entitas usaha, termasuk PT Bank Ina Perdana Tbk (Bank INA). Dalam meraihnya, Bank INA
terus meningkatkan kualitas implementasi GCG yang menjadi dasar pertumbuhan perbankan yang
sehat. Demikian pula halnya dengan penguatan ekosistem digital dan sistem teknologi informasi,
serta pengembangan produk dan layanan prima yang memenuhi harapan nasabah menjadi
strategi yang difokuskan di sepanjang tahun. Bank INA meyakini bahwa pengelolaan yang tepat
dan bertanggung jawab ini tidak hanya membawa keuntungan bagi internal perusahaan, tetapi
juga memampukan Bank untuk dapat terus memberikan nilai dan manfaat bagi pertumbuhan
bersama para pemangku kepentingan.
Sound and resilient business growth and sustainability are the focus of every business entity’s
target, including PT Bank Ina Perdana Tbk (Bank INA). To achieve such, Bank INA continues to
improve the GCG implementation quality, which is the basis for sound banking growth. Likewise,
strengthening digital ecosystem and information technology system, as well as developing
excellent products and services that meet customer expectations are the focuses of our strategies
throughout the year. Bank INA believes that proper and responsible management not only brings
internal benefits to the Company, but also enables the Bank to keep providing value and benefits
for mutual growth with stakeholders.
pernyataan-pernyataan prospektif dan berbagai asumsi which are prepared based on prospective statements and
mengenai kondisi mendatang Bank, serta lingkungan bisnis various assumptions regarding the Bank’s future condition,
yang terkait, sehingga dapat mengakibatkan perkembangan as well as the related business environment, which may result
aktual secara material berbeda dari yang dilaporkan. Oleh in actual developments that are materially different from those
karena itu, Bank mengimbau agar pemangku kepentingan reported. Therefore, the Bank urges stakeholders to use this
dapat menggunakan informasi tersebut secara bijak dalam information wisely in making decisions.
pengambilan keputusan.
Informasi lebih lanjut terkait laporan ini dan muatan di dalamnya dapat diperoleh melalui:
Further information regarding this report and its contents can be obtained through:
Gedung Ariobimo Sentral
Feliks Suranta Tarigan +62 21 252 5678
Mezzanine Floor
Sekretaris Perusahaan +62 21 252 5025
Corporate Secretary Jl. HR Rasuna Said Blok X-2 Kav. 5
Jakarta Selatan 12950 corp_sec@bankina.co.id
www.bankina.co.id
PT Bank Ina Perdana Tbk 3
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Daftar Isi
Table of Contents
Kesinambungan Tema / Theme Continuity 1 Profil Group Head Credit / Profiles of Group Head Credit 83
Sanggahan dan Batasan Tanggung Jawab / Disclaimer and 2 Profil Pejabat Eksekutif / Profile of Executive Officers 84
Limitation of Liability
Profil Komite Audit / Profile of Audit Committee 90
Daftar Isi / Table of Contents 4
Profil Komite Remunerasi dan Nominasi / Profile of Remuneration 92
Identitas Perusahaan / Company Identity 6 and Nomination Committee
Pencapaian Kinerja 2024 / 2024 Performance Achievements 8 Profil Komite Pemantau Risiko / Profile of Risk Monitoring 94
Committee
Komitmen Keberlanjutan / Sustainability Commitment 10 Komposisi Pemegang Saham / Composition of Shareholders 96
Strategi Keberlanjutan / Sustainability Strategy 11 Pemegang Saham Pengendali dan Pemegang Saham Pengendali 98
Penentuan Isi dan Topik Material / Determination of Content 17 Terakhir / Controlling and Ultimate Shareholder
and Material Topics
Kronologi Penerbitan Saham / Chronology of Share Issuance 101
Kronologi Penerbitan Efek Lainnya / Chronology of Other Securities 101
Issuance
Kilas Kinerja 2024 Entitas Anak, Perusahaan Asosiasi, dan Perusahaan Ventura / 102
2024 Performance Highlights Subsidiaries, Associate Companies, and Venture Companies
Struktur Grup / Group Structure 102
Ikhtisar Kinerja Keberlanjutan / Sustainability Performance Highlights 24 Akuntan Publik / Public Accountant 102
Ikhtisar Saham / Share Highlights 27 Lembaga dan Profesi Penunjang Pasar Modal / Capital Market 103
Supporting Institutions and Professions
Ikhtisar Obligasi / Bonds Highlights 28
Informasi pada Situs Web Bank / Information on the Bank’s Website 105
Peristiwa Penting / Significant Events 29
Wilayah Operasional dan Jaringan / Operational Area and Network 106
Penghargaan dan Sertifikasi / Awards and Certifications 34
Pendidikan dan Pelatihan Organ Tata Kelola Perusahaan / 109
Keanggotaan Asosiasi / Association Membership 35 Education and Training of Corporate Governance Organs
Laporan Manajemen Analisis dan
Management Report Pembahasan Manajemen
Management Discussion and Analysis
Laporan Dewan Komisaris / Report of the Board of Commissioners 38
Tinjauan Makroekonomi Global dan Nasional / Global and 120
Laporan Direksi / Report of the Board of Directors 44 National Macroeconomic Overview
Tanggung Jawab Laporan Tahunan / Annual Report Responsibility 53 Tinjauan Industri Perbankan Nasional / Overview of 121
the National Banking Industry
Tinjauan Operasi per Segmen Usaha / Operational Overview by 122
Business Segment
Profil Perusahaan Aspek Pemasaran / Marketing Aspect 126
Company Profile
Tinjauan Keuangan / Financial Overview 128
Laporan Laba Rugi dan Penghasilan Komprehensif Lain / 128
Riwayat Singkat / Brief History 58 Statements of Profit and Loss and Other Comprehensive Income
Jejak Langkah / Milestones 60 Laporan Posisi Keuangan / Statement of Financial Position 132
Visi dan Misi / Vision and Mission 62 Laporan Arus Kas / Statements of Cash Flows 138
Nilai Dasar Perusahaan / Corporate Values 62 Kemampuan Membayar Utang / Debt Service Ability 139
Bidang Usaha / Field of Business 64 Tingkat Kolektibilitas Piutang / Receivables Turnover Ratio 140
Produk dan Jasa / Products and Services 66 Rentabilitas / Profitability 140
Struktur Organisasi / Organizational Structure 72 Struktur Modal / Capital Structure 141
Profil Dewan Komisaris / Profile of the Board of Commissioners 74 Komitmen Material untuk Investasi Barang Modal / 142
Material Commitments for Capital Goods Investment
Profil Direksi / Profile of the Board of Directors 77
4 PT Bank Ina Perdana Tbk
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Informasi Material mengenai Investasi, Ekspansi, Divestasi, 142 Struktur dan Hubungan GCG / GCG Structure and Relationship 236
Penggabungan/Peleburan Usaha, Akuisisi, atau Restrukturisasi
Utang/Modal / Information on Material Transaction Pertaining to Rapat Umum Pemegang Saham / General Meeting of Shareholders 238
Investment, Expansion, Divestment, Business Merger/Consolidation,
Acquisition, Debt/Capital Restructuring Dewan Komisaris / Board of Commissioners 253
Informasi Transaksi Material yang Mengandung Benturan 143 Direksi / Board of Directors 259
Kepentingan dan/atau Transaksi dengan Pihak Afiliasi /
Information on Material Transactions Involving Conflicts of Transparansi Informasi tentang Dewan Komisaris dan Direksi / 268
Interest and Transactions with Affiliated Parties Transparency of Information of the Board of Commissioners
and Board of Directors
Pemenuhan Peraturan dan Ketentuan Terkait / Compliance with 143
Related Rules and Regulations Komite Pendukung Dewan Komisaris / Board of Commissioners 278
Supporting Committee
Kebijakan Bank Terkait Mekanisme Review atas Transaksi / 143
Bank Policy related to Review Mechanism for Transactions Komite Pendukung Direksi / Board of Directors Supporting Committee 291
Informasi dan Fakta Material yang Terjadi Setelah Tanggal 143 Sekretaris Perusahaan / Corporate Secretary 304
Laporan Akuntan / Information and Material Facts that
Occur After the Balance Sheet Date Satuan Kerja Audit Internal / Internal Audit Work Unit 306
Perbandingan Target dan Realisasi 2024 / Comparison between 143 Sistem Pengendalian Internal / Internal Control System 309
Target and Realization 2024
Manajemen Risiko / Risk Management 310
Nilai Ekonomi Langsung yang Dihasilkan dan Didistribusikan / 144
Direct Economic Value Generated and Distributed Fungsi Kepatuhan / Compliance Function 315
Kebijakan dan Pembagian Dividen / Dividend Policy and Distribution 145 Perkara Penting / Significant Cases 321
Realisasi Penggunaan Dana Hasil Penawaran Umum / 145 Sanksi Administratif / Administrative Sanctions 322
Realization of the Use of Public Offering Proceeds
Akses Informasi dan Data / Access to Information and Data 323
Prospek Usaha 2025 / 2025 Business Outlook 146
Kode Etik / Code of Conducts 334
Proyeksi Tahun 2025 / 2025 Projections 147
Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, 335
Perubahan Kebijakan Akuntansi / Amendments to Accounting Policies 147 dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal /
Anti-Money Laundering, Counter-Terrorist Financing, and
Perubahan Peraturan Perundang-Undangan yang Berpengaruh 148 Counter-Proliferation Financing of Weapons of Mass Destruction
Signifikan Terhadap Bank / Amendments to Laws and Regulations
that Significantly Affect the Bank Strategi Anti-Fraud / Anti-Fraud Strategy 336
Penentuan Suku Bunga Dasar Kredit / Determining the Prime 148 Sistem Pelaporan Pelanggaran / Whistleblowing System 338
Lending Rate
Informasi Kelangsungan Usaha / Information on Business Continuity 149
Transparansi Kondisi Keuangan dan Non-Keuangan Bank / 340
Transparency of the Bank’s Financial and Non-Financial Conditions
Pengungkapan Aspek Lainnya / Disclosure of Other Aspects 340
Transparansi Praktik Bad Governance / Bad Governance Practice 345
Tinjauan Pendukung Bisnis Transparency
Business Support Overview
Keberlanjutan Sosial
Sumber Daya Manusia / Human Resources 152 dan Lingkungan
Teknologi Informasi / Information Technology 159 Social and Environmental Sustainability
Permodalan dan Praktik Manajemen Risiko / Capital and 165
Risk Management Practices
Tata Kelola Keberlanjutan / Sustainability Governance 348
Keberlanjutan Pengembangan Sosial / Sustainability of 355
Social Development
Tata Kelola Perusahaan
Corporate Governance
Kepedulian Terhadap Lingkungan Hidup / Concern for 373
the Environment
Komitmen dan Tujuan Penerapan Good Corporate Governance / 222 Tanggapan Terhadap Umpan Balik Tahun Sebelumnya / 374
Commitment to and Purpose of Good Corporate Governance Response to Previous Year’s Feedback
Implementation Lembar Umpan Balik / Feedback Form 375
Dasar Penerapan GCG / Basis of GCG Implementation 222 Indeks Pengungkapan Kriteria Peraturan Otoritas Jasa 377
Penerapan Prinsip GCG / Implementation of GCG Principles 225 Keuangan No. 51/POJK.03/2017 / Criteria Disclosure Index of
POJK No. 51/POJK.03/2017
Peningkatan Kualitas Penerapan GCG / Improvement of GCG 226
Implementation Quality Daftar Pengungkapan Sesuai Pelaporan ESG Metrik / 380
Disclosure List According to ESG Metric Reporting
Penilaian Penerapan GCG / Assessment of GCG Implementation 226
Penilaian Tingkat Kesehatan Bank / Assessment of 231
Bank Soundness Level Laporan Keuangan
Penerapan Pedoman Tata Kelola Perusahaan Terbuka / 232 Financial Statements
Implementation of Public Company Governance Guidelines
PT Bank Ina Perdana Tbk 5
Page 8
Identitas Perusahaan
Company Identity
Nama Perusahaan Bidang Usaha Tanggal Pendirian
Company Name Line of Business Date of Establishment
PT Bank Ina Perdana Tbk Jasa Perbankan 9 Februari 1990
Banking Services February 9, 1990
Dasar Hukum Pendirian
Legal Basis of Establishment
• Akta Pendirian No. 32 tanggal 9 Februari 1990 Notaris Winnie • Deed of Establishment No. 32 dated February 9, 1990 made
Hadiprodjo, SH, pengganti Notaris Kartini Muljadi, SH; dan before Notary Winnie Hadiprodjo, SH, in lieu of Notary Kartini
Muljadi, SH; and
• Pengesahan Menteri Kehakiman atas Akta Pendirian • Ratification of the Minister of Justice on the De e d of
No. C2-3639HT.01.01.Th.90 tanggal 23 Juni 1990. Establishment No. C2-3639HT.01.01.Th. 90 dated June 23, 1990.
Anggaran Dasar dan Perubahan Terakhir
Articles of Association and the Latest Amendments
• Akta Pernyataan Keputusan Sirkuler Pemegang Saham No. 31 tanggal • Deed of Shareholders Circular Resolutions No. 31 dated
9 September 2013. Pengesahan Menteri Hukum dan HAM atas September 9, 2013. Ratification of the Minister of Law and
Perubahan Anggaran Dasar No. AHU-49437. AH.01.02.Tahun 2013 Human Rights on the Amendments to Articles of Association
tanggal 23 September 2013; No. AHU-49437. AH.01.02. Tahun 2013 dated September 23, 2013;
• Akta Pernyataan Keputusan Rapat Dewan Komisaris No. 23 • Deed of Board of Commissioners’ Meeting Decision No. 23
tanggal 3 Mei 2017. Pemberitahuan Menteri Hukum dan HAM dated May 3, 2017. Notification of the Minister of Law and
atas Perubahan Anggaran Dasar No. AHU-AH.01.03-0133241 dan Human Rights on the Amendments to Articles of Association
No. AHU-AH.01.03-0133242 tanggal 4 Mei 2017; No. AHU-AH.01.03-0133241 and No. AHU-AH.01.03-0133242
dated May 4, 2017;
• Akta Pernyataan Keputusan Rapat No. 107 tanggal 25 Mei 2018. • Deed of Meeting Decisions No. 107 dated May 25, 2018. Notification
Pemberitahuan Menteri Hukum dan HAM atas Perubahan of the Minister of Law and Human Rights on the Amendments
Anggaran Dasar No. AHU-AH.01.03-0210460 tanggal 30 Mei 2018; to Articles of Association No. AHU-AH.01.03-0210460 dated
May 30, 2018;
• Akta Berita Acara Rapat Umum Pemegang Saham Tahunan No. 14 • Deed of Minutes of Annual General Meeting of Shareholders
Tanggal 10 Mei 2019. Persetujuan Menteri Hukum dan HAM atas No. 14 dated May 10, 2019. Approval of the Minister of Law
Perubahan Anggaran Dasar No. AHU-0028598.AH.01.02.Tahun and Human Rights for the Amendments to Articles of
2019 dan No. AHU-AH.01.03-0279644 tanggal 24 Mei 2019; Association No. AHU-0028598.AH.01.02.Tahun 2019 and
No. AHU-AH.01.03- 0279644 dated May 24, 2019;
• Akta Berita Acara Rapat Umum Pemegang Saham Tahunan No. 04 • Deed of Minutes of Annual General Meeting of Shareholders
Tanggal 5 Juni 2020. Pemberitahuan Menteri Hukum dan HAM No. 04 dated June 5, 2020. Notification of Minister of Law
atas Perubahan Anggaran Dasar No. AHU-AH.01.03-0272194 Human Rights on the Amendments to Articles of Association
tanggal 2 Juli 2020; No. AHU-AH.01.03-0272194 dated July 2, 2020;
• Akta Berita Acara Rapat Umum Pemegang Saham Luar Biasa No. 11 • Deed of Minutes of Extraordinary General Meeting of
tanggal 9 Desember 2020. Pemberitahuan Menteri Hukum dan Shareholders No. 11 dated December 9, 2020. Notification of
HAM atas Perubahan Anggaran Dasar No. AHU-AH.01.03-0001208 the Minister of Law and Human Rights on the Amendments
tanggal 5 Januari 2021; to Articles of Association No. AHU-AH.01.03-0001208 dated
January 5, 2021;
• Akta Berita Acara Rapat Umum Pemegang Saham Tahunan • Deed of Minutes of Annual General Meeting of Shareholders
No. 06 tanggal 16 Juni 2021; No. 06 dated June 16, 2021;
• Akta Berita Acara Rapat Umum Pemegang Saham Luar Biasa • Deed of Minutes of Extraordinary General Meeting of
No. 07 tanggal 16 Juni 2021. Persetujuan Menteri Hukum dan Shareholders No. 07 dated June 16, 2021. Approval of the
HAM atas Perubahan Anggaran Dasar No. AHU-0039199.AH.01.02. Minister of Law and Human Rights on the Amendments to
Tahun 2021 tanggal 10 Juli 2021. Pemberitahuan Menteri Hukum dan Articles of Association No. AHU-0039199.AH.01.02.Tahun 2021
HAM atas Perubahan Anggaran Dasar No. AHU-AH.01.03-0427328 dated July 10, 2021.Notification of the Minister of Law and
dan No. AHU-AH.01.03-0427329 tanggal 10 Juli 2021; Human Rights on the Amendments to Articles of Association
No. AHU-AH.01.03-0427328 and No. AHU-AH.01.03-0427329
dated July 10, 2021;
• Akta Pernyataan Keputusan Rapat No. 60 tanggal 22 Juni 2022. • Deed of Meeting Decisions No. 60 dated June 22, 2022. Approval
Persetujuan Menteri Hukum dan HAM atas Perubahan Anggaran of the Minister of Law and Human Rights on the Amendments to
Dasar No. AHU-0042466.AH.01.02.Tahun 2022 tanggal 22 Juni 2022; Articles of Association No. AHU-0042466.AH.01.02.Tahun 2022
dated June 22, 2022;
• Akta Berita Acara Rapat Umum Pemegang Saham Luar Biasa • Deed of Minutes of Extraordinary General Meeting of
No. 13 tanggal 19 Mei 2023; Shareholders No. 13 dated May 19, 2023;
• Akta Pernyataan Keputusan Rapat Umum Pemegang • Deed of Extraordinary General Meeting of Shareholders
Saham Luar Biasa No. 22 tanggal 14 Juni 2023. Persetujuan No. 22 dated June 14, 2023. Approval of the Minister of Law and
Menteri Hukum dan HAM atas Perubahan Anggaran Dasar Human Rights on the Amendment to Articles of Association
No. AHU-0111267.AH.01.11 Tahun 2023 tanggal 15 Juni 2023; dan No. AHU-0111267.AH.01.11 Year 2023 dated June 15, 2023; and
• Akta Pernyataan Keputusan Rapat Umum Pemegang Saham Luar • Deed of Statement of Resolution of the Extraordinary General
Biasa No. 28 tanggal 20 Juni 2024. Persetujuan Menteri Hukum dan Meeting of Shareholders No. 28 dated 20 June 2024. Approval
HAM atas Perubahan Anggaran Dasar No. AHU-0138566.AH.01.11 from the Minister of Law and Human Rights for the Amendment
Tahun 2024 tanggal 10 Juli 2024. to the Articles of Association No. AHU-0138566.AH.01.11 Year
2024 dated 10 July 2024.
6 PT Bank Ina Perdana Tbk
Page 9
Dasar Hukum Penyesuaian Nama Surat Izin Sebagai Bank Umum
Legal Basis for Name Adjustment License as Commercial Bank
Akta No. 79 tanggal 22 Mei 1990 Surat Izin Usaha Perdagangan (SIUP) Menteri Keuangan
Deed No. 79 dated May 22, 1990 No. 524/KMK.013/1991 tanggal 3 Juni 1991.
Trade Business License (SIUP) of the Minister of Finance
No. 524/KMK.013/1991 dated June 3, 1991.
Tanggal Pencatatan Saham Nama Bursa Kode Saham
Share Listing Date Stock Exchange Name Ticker Code
16 Januari 2014
January 16, 2014
Bursa Efek Indonesia
Indonesian Stock Exchange (IDX) BINA
Modal Dasar Modal Ditempatkan dan Disetor Penuh
Authorized Capital Issued and Fully Paid Capital
Rp
2.000.000.000.000,- Rp
613.471.666.500,-
Jumlah Karyawan Jaringan ATM
Total Employees ATM Network
1.187 karyawan (per Desember 2024).
employees (as of December 2024). 72 mesin ATM
ATM machines
Kepemilikan Alamat Kantor Pusat [POJK51-C.2]
Shareholding Head Office Address
Gedung Ariobimo Sentral
Mezzanine Floor
20,64% 22,83% Jl. HR Rasuna Said Blok X-2 Kav. 5
Jakarta Selatan 12950
+62 21 252 5678
+62 21 252 5025
9,67%
1500738
18,16%
corp_sec@bankina.co.id
11,84%
www.bankina.co.id
16,86%
PT Indolife Pensiontama
PT Samudra Biru Bank Ina bankinaperdana
UOB Kay Hian Pte Ltd
PT Gaya Hidup Masa Kini
DBS Bank Ltd S/A LTSL as Trustee of
Jaringan Kantor
NS Financial Fund
Office Network
Masyarakat / Public
1 Kantor Pusat
Head Office
19 Kantor Cabang
Branch Offices
31 Kantor Cabang Pembantu
Sub-Branch Offices
7 Kantor Fungsional
Functional Office
PT Bank Ina Perdana Tbk 7
Page 10
Pencapaian Kinerja 2024
2024 Performance Achievements
Aset Dana Pihak Ketiga
Assets Third-Party Funds
Rp24.436,73 Rp20.127,22
miliar / billion miliar / billion
0,21% 4,20%
Kredit yang
Diberikan – Kotor
Loans Given - Gross
Rp13.150,44
miliar / billion
3,73%
8 PT Bank Ina Perdana Tbk
Page 11
Inovasi 2024
2024 Innovation
Bank Persepsi
Collection Bank
Bank Kustodian
Custodian Bank
Bank Penyimpan Dana Margin
Margin Fund Depository Bank
Agen Penjual Efek Reksadana
Selling Agent for Mutual Fund
Securities
Bank Administrator RDN
dan Bank Pembayaran
RDN Administrator Bank and
Settlement Bank
Rasio KPMM Ekuitas
CAR Ratio Equity
25,07% Rp3.612,97
miliar / billion
1,03% 1,60%
PT Bank Ina Perdana Tbk 9
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Komitmen Keberlanjutan Sustainability Commitment Bank Ina Perdana secara konsisten memperkuat komitmennya Bank Ina Perdana consistently strengthens its commitment to terhadap keberlanjutan. Bank meyakini bahwa keberlanjutan sustainability. The Bank believes that sustainability is not merely bukan hanya sekedar pemenuhan regulasi yang berlaku, tetapi about complying with applicable regulations but also represents a juga merupakan peluang strategis untuk menciptakan nilai jangka strategic opportunity to create long-term value for all stakeholders, panjang bagi seluruh pemangku kepentingan Bank, terutama particularly customers, society, and the environment. nasabah, masyarakat, serta lingkungan. Komitmen Bank terhadap keberlanjutan diwujudkan melalui The Bank’s commitment to sustainability is realized through the pelaksanaan tanggung jawab sosial dan lingkungan (TJSL) yang implementation of Social and Environmental Responsibility (TJSL), didasarkan pada 4 pilar utama, yaitu tanggung jawab pengembangan which is based on 4 key pillars namely social and community sosial kemasyarakatan; tanggung jawab lingkungan; tanggung jawab development responsibility, environmental responsibility, kepada nasabah; serta tanggung jawab ketenagakerjaan, kesehatan, customer responsibility, and responsibility for employment, health, dan keselamatan kerja. Setiap pilar ini diterapkan melalui berbagai and occupational safety. Each of these pillars is implemented program yang dirancang dengan baik dan bertanggung jawab, through well-designed and accountable programs, guided by dengan berpedoman pada Standard Operating Procedure (SOP) Standard Operating Procedure (SOP) No. 092 of 2016. No. 092 tahun 2016. Adapun fokus pengembangan Bank INA selama tahun 2024, yaitu: In 2024, Bank INA will focus its development efforts on: 1. Meningkatkan portofolio pembiayaan ritel (usaha mikro, kecil 1. Improving retail (micro, small, and medium enterprises/MSME) dan menengah/UMKM) serta komersial (non-UMKM) agar and commercial (non-MSME) financing portfolios in line with sejalan dengan penerapan kegiatan usaha berkelanjutan; the implementation of sustainable business activities; 2. Mengembangkan inovasi produk dan layanan dengan 2. Developing product and service innovations by carrying out melakukan transformasi digital, yaitu membangun ekosistem digital transformation, namely building a digital ecosystem, digital, memperkuat infrastruktur digital, mengembangkan strengthening digital infrastructure, developing digital loan produk pinjaman digital, dan Open Application Programming products, and Open Application Programming Interface (API); Interface (API); serta as well as 3. Mendorong praktik operasional yang berfokus pada efisiensi 3. Encouraging operational practices that focus on cost efficiency biaya melalui peningkatan efisiensi operasional, termasuk by improving operational efficiency, including the use of paper, penggunaan kertas, air, dan listrik. water, and electricity. 10 PT Bank Ina Perdana Tbk
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Strategi Keberlanjutan
Sustainability Strategy
Bank berkomitmen untuk menerapkan strategi keberlanjutan The Bank is committed to implementing a sustainability strategy
guna memastikan bahwa setiap aktivitas operasional to ensure that every operational activity considers its long-term
mempertimbangkan dampak jangka panjang terhadap impact on the environment, society, and the economy. This strategy
lingkungan, masyarakat, dan perekonomian. Strategi ini bertujuan aims to create lasting value, support inclusive growth, and maximize
menciptakan nilai yang berkelanjutan, mendukung pertumbuhan positive impacts for stakeholders. This commitment is realized
yang inklusif, serta memaksimalkan dampak positif bagi para through the Sustainable Finance Action Plan (RAKB), which serves
pemangku kepentingan. Komitmen tersebut diwujudkan melalui as the Bank’s primary guideline for promoting sustainable finance
Rencana Aksi Keuangan Berkelanjutan (RAKB), yang menjadi in Indonesia. The RAKB outlines strategic initiatives, including
pedoman utama Bank dalam mendukung penerapan keuangan strengthening a performance-based organizational structure,
berkelanjutan di Indonesia. RAKB memuat langkah-langkah aligning human resources with strategic needs, integrating social
strategis, termasuk penguatan struktur organisasi berbasis kinerja, and environmental aspects into risk management, and expanding
penyesuaian sumber daya manusia sesuai kebutuhan strategis, the financing portfolio for environmentally responsible business
integrasi aspek sosial dan lingkungan ke dalam pengelolaan risiko, activities. [POJK51-A.1]
serta peningkatan portofolio pembiayaan untuk kegiatan usaha
berwawasan lingkungan. [POJK51-A.1]
Bank telah menyampaikan RAKB tahun 2024-2028 kepada The Bank has submitted the 2024–2028 Sustainable Finance
Otoritas Jasa Keuangan pada tanggal 30 November 2023, melalui Action Plan (RAKB) to the Financial Services Authority (Otoritas
Surat No. OJK/DIR/260/1123. Jasa Keuangan) on November 30, 2023, through Letter
No. OJK/DIR/260/1123.
Prioritas Penerapan Keuangan Keberlanjutan Tahun 2024-2028 Priorities of Sustainability Finance Implementation for 2024-2028
RAKB untuk periode tahun 2024-2028 telah disusun oleh Bank, The RAKB for the 2024–2028 period has been prepared by the Bank,
dengan uraian strategi dan kegiatan sebagai berikut. outlining the following strategies and initiatives.
Indikator Terkait dengan Pengembangan Produk dan/atau Jasa
Indicators Related to Product and/or Service Development
Prioritas Bank INA dalam RAKB sesuai Pasal 7
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 Strategi RAKB Bank INA untuk Menjawab Prioritas
Bank INA’s Priority in RAKB according to Article 7 of the Bank INA’s RAKB Strategy to Respond to Priorities
Financial Services Authority Regulation No. 51/POJK.03/2017
Melakukan pengembangan produk dan/atau jasa keuangan berkelanjutan, Penyusunan RAKB akan digunakan Bank INA sebagai guideline dalam
termasuk peningkatan portofolio pembiayaan UMKM maupun komersial atau peningkatan portofolio pembiayaan usaha mikro, kecil, dan menengah
proyek yang sejalan dengan penerapan keuangan berkelanjutan. (UMKM) serta komersial agar sejalan dengan penerangan keuangan
berkelanjutan secara bertahap sesuai prioritas Bank.
Jumlah kredit kegiatan usaha berkelanjutan tahun 2028 adalah 44,08% dari
total kredit yang diberikan, terdiri dari:
Kredit UMKM : 17,19%
Kredit Non-UMKM : 11,64%
Developing sustainable finance products and/or services, including increasing RAKB will be used by Bank INA as a guideline in increasing micro, small, and
MSME and commercial financing portfolio or projects that are in line with the medium enterprise (MSMEs) and commercial financing portfolio to be in
implementation of sustainable finance. line with sustainable finance information gradually according to the Bank’s
priorities.
Total loans for sustainable business activities in 2028 is 44.08% of total loans,
consisting of:
MSME Loans : 17.19%
Non-MSME Loans : 11.64%
PT Bank Ina Perdana Tbk 11
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(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Jenis Kredit 2024 2025 2026 2027 2028 Type of Loans
Total Kredit 13.150.442 16.368.418 19.560.260 22.787.703 25.940.494 Total Loans
Kredit UMKM 1.916.527 2.813.503 3.362.137 3.916.889 4.458.810 MSME Loans
Kredit Non-UMKM - KB 851.750 1.659.801 2.081.263 2.538.610 3.019.542 Non-MSME Loans - KB
Total Kredit-KB 2.768.277 4.473.304 5.443.400 6.455.499 7.478.352 Total Loans - KB
Total NPL-KB 112.130 125.485 145.063 163.433 179.862 Total NPL-KB
Rasio NPL KB Terhadap NPL-KB to Total Loans Ratio
4,05 2,81 2,66 2,53 2,41
Total Kredit (%) (%)
Jumlah Surat Berharga kategori keuangan berkelanjutan tahun The number of Securities in the sustainable finance category in 2028
2028 adalah 23,00% dari total Surat Berharga yang dimiliki Bank, is 23.00% of the Bank’s total Securities, as disclosed below.
yang diungkapkan sebagai berikut.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Aset Produktif Earning Assets
2024 2025 2026 2027 2028
(AP) (AP)
Total Surat Berharga 6.557.093 6,.89.409 7.731.158 8.859.351 9.786.024 Total Securities
Surat Berharga - KB 167.635 200.000 220.000 231.000 242.550 Securities - KB
Total Surat Berharga Non - KB 6.435.981 6.589.409 7.511.158 8.628.351 9.543.474 Total Securities Non- KB
Surat Berharga KB Terhadap Securities KB to
2,83 2.95 2,85 2,61 2,48
Total Surat Berharga (%) Total Securities (%)
Penerbitan program-program/produk keuangan berkelanjutan The issuance of sustainable finance programs/products, including
antara lain produk penyaluran dana untuk pengembangan UMKM products for channeling funds for digital-based MSME development
berbasis digital maupun produk penghimpunan dana yang terkait and fund-raising products related to sustainable economy, such as
dengan ekonomi berkelanjutan, seperti Tabungan Green Untung. Green Profit Savings.
Indikator Terkait dengan Pengembangan Kapasitas Internal Bank
Indicators Related to the Bank’s Internal Capacity Development
Prioritas Bank INA dalam RAKB sesuai Pasal 7
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 Strategi RAKB Bank INA untuk Menjawab Prioritas
Bank INA’s Priority in RAKB according to Article 7 of the Bank INA’s RAKB Strategy to Respond to Priorities
Financial Services Authority Regulation No. 51/POJK.03/2017
Pengembangan kapasitas internal. Menyusun program aksi, di mana salah satunya adalah mengadakan workshop
pelatihan RAKB untuk internal Bank INA secara berkelanjutan.
Internal capacity development. Developing an action program, one of which is holding an RAKB training
workshop for Bank INA’s internal party on an ongoing basis.
Jumlah karyawan yang mengikuti pelatihan terkait penerapan keuangan • Sebanyak 15% dari total pengurus, para karyawan ditingkat manajerial/
berkelanjutan. pengambil keputusan, mengikuti pelatihan analisis lingkungan hidup
tingkat dasar dan sejenisnya.
• Sebanyak 15% dari analis kredit telah mengikuti pelatihan terkait analisis
mengenai dampak lingkungan hidup (AMDAL)/manajemen risiko sosial dan
lingkungan hidup.
Number of employees attending the training regarding implementation of • As much as 15% of the total management, employees at managerial/
sustainable finance. decision-making level attended the basic level environmental analysis
training and similar ones.
• As much as 15% of credit analysts have attended training related to
environmental impact analysis (AMDAL)/social and environmental risk
management.
Alokasi anggaran pengembangan SDM Bank terkait penerapan keuangan Mengalokasikan 1% dari total biaya pendidikan untuk biaya pelatihan yang
berkelanjutan. akan digunakan untuk pengembangan kapasitas dan pelatihan terkait
lingkungan, sosial, dan tata kelola (LST).
Allocation of the Bank’s HR development budget related to the implementation Allocating 1% of the total education budget for training expenses dedicated
of sustainable finance. to capacity building and training related to environmental, social, and
governance (ESG) aspects.
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Indikator Penyesuaian Organisasi, Manajemen Risiko, Tata Kelola, dan/atau Standar Operasional Prosedur (SOP)
Indicators of Organizational Adjustment, Risk Management, Governance, and/or Standard Operating Procedures (SOP)
Prioritas Bank INA dalam RAKB sesuai Pasal 7
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 Strategi RAKB Bank INA untuk Menjawab Prioritas
Bank INA’s Priority in RAKB according to Article 7 of the Bank INA’s RAKB Strategy to Respond to Priorities
Financial Services Authority Regulation No. 51/POJK.03/2017
Penyesuaian organisasi, manajemen risiko, tata kelola, dan/atau SOP Bank Melakukan:
secara bertahap sesuai dengan prinsip penerapan keuangan berkelanjutan. • Pelaporan realisasi penerapan keuangan berkelanjutan 2023.
• Penyesuaian terhadap prinsip, sistem, dan analisis manajemen risiko
yang sesuai dengan karakteristik produk dan/atau jasa Bank serta
eksposur risiko. Hal ini dapat dilakukan pada penilaian kredit/pembiayaan
pendanaan, portofolio risiko korporasi, penyusunan SOP, dan pada setiap
pelaksanaan uji tuntas (due diligence).
• Penilaian kredit/pembiayaan/pendanaan, portofolio risiko korporasi,
penyusunan SOP, dan setiap pelaksanaan uji tuntas (due diligence)
menyesuaikan prinsip penerapan keuangan berkelanjutan.
Organizational adjustment, risk management, governance and/ or Bank SOPs Conducting:
gradually according to the principles of sustainable finance implementation. • Reporting on the realization of sustainable finance implementation in 2023.
• Adjustments to risk management principles, systems, and analysis
in accordance with the characteristics of the Bank’s products and/or
services and risk exposure. This can be done in lending/financing/funding
assessments, corporate risk portfolios, preparation of SOPs, and in every
due diligence exercise.
• Credit/financing/funding assessment, corporate risk portfolio, SOP
drafting, and every due diligence implementation in accordance with the
implementation of sustainable finance principles.
RAKB 5 Tahun
RAKB 5 Years
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Priority Activity Targets Success Indicator
2024 • Sebagian karyawan di tingkat manajerial/pengambil keputusan • Sebanyak 25% dari total pengurus, para karyawan di tingkat
mengikuti program peningkatan kapasitas terkait keuangan manajerial/pengambil keputusan mengikuti pelatihan terkait
berkelanjutan; keuangan berkelanjutan;
• Sebagian analis kredit untuk sektor usaha yang memiliki risiko sosial • Sebanyak 20% dari analis kredit telah mengikuti pelatihan terkait
dan lingkungan hidup tinggi telah mengikuti program peningkatan AMDAL/manajemen risiko sosial dan lingkungan hidup;
kapasitas manajemen risiko terkait; • Realisasi produk Laku Pandai;
• Meningkatkan pemberian fasilitas kredit kepada UMKM; serta • Realisasi penyaluran dana terkait keuangan berkelanjutan; serta
• Menerbitkan produk program pembiayaan UMKM dan program • Kesesuaian antara target dan realisasi berdasarkan penilaian dari
pembiayaan lain yang mendukung program keuangan berkelanjutan. hasil audit internal.
• Some employees at managerial/decision-making level have attended • A total of 25% of the board, managerial/decision-making level
capacity building programs related to sustainable finance; employees have attended training related to sustainable finance;
• Some credit analysts for business sectors with high social and • 20% of credit analysts have attended training related to
environmental risks have attended capacity building programs related AMDAL/social and environmental risk management;
to risk management; • Realization of Laku Pandai (branchless banking) products;
• Increase the provision of credit facilities to MSMEs; and • Realization of fund disbursement related to sustainable finance; and
• Issuing MSME financing program products and other financing • Conformity between target and realization based on internal audit
programs that support sustainable finance programs. assessment results.
2025 Melakukan kajian-kajian terkait: • Dilakukan kajian terkait pembiayaan ramah lingkungan
• Permintaan pasar terhadap produk dan/atau jasa keuangan berkelanjutan; yang hasilnya dijadikan sebagai acuan pembuatan SOP dan
• Pengembangan produk dan/atau jasa keuangan berkelanjutan; pengembangan produk dan/atau jasa keuangan berkelanjutan;
• Meningkatkan pemberian fasilitas kredit kepada UMKM; • Kesesuaian antara target dan realisasi berdasarkan penilaian dari
• Integrasi manajemen risiko sosial, lingkungan hidup, dan tata kelola hasil audit internal; serta
dalam aktivitas bisnis Bank; serta • Adanya kerangka kerja manajemen risiko LST.
• Mengadakan program-program kegiatan internal yang mendukung
program Green Banking, misalnya pemadaman listrik di jam istirahat
dan mengurangi penggunaan kertas.
Conducting studies related to: • Conducting studies related to environmentally friendly financing,
• Market demand for sustainable finance products and/or services; the results of which are used as a reference for making SOPs and
• Development of sustainable finance products and/or services; developing sustainable finance products and/or services;
• Increasing credit facilities for MSME • Conformity between target and realization based on internal audit
• Integration of social, environmental, and governance risk management assessment results; and
in the Bank’s business activities; and • Having ESG risk management framework available.
• Implementing internal programs that support the Green Banking initiative,
such as turning off electricity during break hours and reducing paper usage.
2026 • Pengelolaan lingkungan internal yang ramah lingkungan hidup; • Ketersediaan produk-produk yang mensyaratkan adanya aspek
• Kebijakan dan manajemen risiko LST; perlindungan dari risiko LST/iklim;
• Meningkatkan pemberian fasilitas kredit kepada UMKM; • Kesesuaian antara target dan realisasi berdasarkan penilaian dari
• Pengembangan produk dan/atau jasa keuangan berkelanjutan, hasil audit internal; serta
misalnya melalui program pendanaan untuk mobil dan/atau motor • Disusun SOP mengenai integrasi risiko sosial, lingkungan hidup,
listrik dan pemasangan panel listrik; serta dan tata kelola ke dalam aktivitas bisnis pada program kredit/
• Berpartisipasi dalam program-program yang mendukung pelestarian pembiayaan sektor komersial.
hidup.
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Priority Activity Targets Success Indicator
• Environmentally friendly management of the internal environment; • Availability of products that require protection from ESG/climate
• ESG policy and risk management; risks;
• Increasing credit facilities for MSME; • Conformity between target and realization based on internal audit
• Developing sustainable financial products and/or services, such as assessment results; and
financing programs for electric cars and/or motorcycles and solar • Preparing SOPs on the integration of social, environmental, and
panel installation; and governance risks into business activities in commercial sector
• Participating in programs that support environmental conservation. credit/financing programs.
2027 • Mengembangkan program perkreditan dan pendanaan yang Pencapaian target dan realisasi berdasarkan penilaian dari hasil audit
mendukung pelestarian lingkungan hidup, dan memadankan dengan internal.
tata kelola Bank dan diintegrasikan dalam aktivitas bisnis Bank;
• Mendukung program-program pengelolaan lingkungan internal yang
ramah lingkungan hidup; serta
• Meningkatkan pemberian fasilitas kredit kepada UMKM.
• Developing credit and financing programs that support environmental The achievement of targets and realization are assessed based on the
conservation, aligning them with the Bank’s governance framework, and results of the internal audit.
integrating them into its business activities;
• Supporting internal environmental management programs that are
eco-friendly; and
• Increasing credit facilities for MSME.
2028 • Pengelolaan lingkungan internal yang ramah lingkungan hidup; • Peningkatan kesadaran debitur terhadap tanggung jawab sosial
• Terciptanya budaya kehati-hatian untuk aktivitas penghimpunan dan kelestarian lingkungan hidup; serta
dan penyaluran dana, mencakup mitigasi atas dampak sosial dan • Kesesuaian antara target dan realisasi berdasarkan penilaian dari
lingkungan hidup yang bersifat negatif dari proyek atau kegiatan yang hasil audit internal.
dibiayai;
• Meningkatkan pemberian fasilitas kredit kepada UMKM; serta
• Pengembangan produk dan/atau jasa keuangan berkelanjutan melalui
program pendanaan untuk mobil dan motor listrik.
• Implementation of eco-friendly internal environmental management; • Enhancement of debtor awareness regarding social responsibility
• Establishment of a prudent culture in fund mobilization and and environmental sustainability; and
distribution activities, including mitigation of negative social and • Alignment of targets and realization based on assessments from
environmental impacts from financed projects or activities; internal audit results.
• Increasing credit facilities for MSME; and
• Development of sustainable financial products and/or services through
financing programs for electric cars and motorcycles.
Pencapaian RAKB Bank INA Tahun 2024 Bank INA’s RAKB Achievements in 2024
Bank secara konsisten mengevaluasi pencapaian RAKB untuk The Bank consistently evaluates the achievement of the RAKB to
menilai tingkat keberhasilan dalam menerapkan dan memenuhi assess the success rate in implementing and meeting sustainability
sasaran keberlanjutan. Pencapaian RAKB Bank INA tahun 2024 targets. The 2024 RAKB achievements of Bank INA are detailed as
dirinci sebagai berikut. follows.
Penanggung
Periode Jawab Status
Uraian Kegiatan Sumber Daya yang
Pelaksanaan Pelaksanaan Indikator Keberhasilan Pencapaian
Description of Dibutuhkan
Implementation Party in Success Indicator Achievement
Activities Required Resources
Period Charge of Status
Implementation
Menerbitkan Januari-Desember • Satuan Kerja • Satuan Kerja Micro • Meningkatkan penyaluran • Penyaluran kredit
produk program Micro Banking Banking kredit dengan skema KUR dengan skema KUR
pengembangan • Digital Solutions • Divisi Manajemen dan UMKM lainnya. tercapai.
UMKM dan program & Partnership Risiko • Meningkatkan penyaluran • Peluncuran Layanan
pembiayaan lain • Divisi Retail Banking kredit yang mendukung Digital berupa
yang mendukung • Divisi Akuntansi & pelaksanaan portofolio hijau. produk Aplikasi
program keuangan Manajemen Keuangan • Realisasi produk Laku Pandai. Bina, Pinjaman
berkelanjutan, antara • Divisi Kepatuhan & • Meningkatkan pencapaian Digital Bina (modal
lain Laku Pandai, APU-PPT produk Tabunganku dan usaha untuk UMKM
Penyaluran KUR, • Digital Solutions & Tabungan Simpel. dan penyaluran Loan
Program Inti Plasma, Partnership • Menerbitkan Program Green Channeling), dan
dan Digital Loan Untung. Agen Bina.
Channeling.
14 PT Bank Ina Perdana Tbk
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Penanggung
Periode Jawab Status
Uraian Kegiatan Sumber Daya yang
Pelaksanaan Pelaksanaan Indikator Keberhasilan Pencapaian
Description of Dibutuhkan
Implementation Party in Success Indicator Achievement
Activities Required Resources
Period Charge of Status
Implementation
Launched MSME January-December • Micro Banking • Micro Banking • Increased credit distribution • Credit distribution
development Work Unit Work Unit with KUR and other MSME using KUR scheme
program products • Digital Solutions • Risk Management schemes. was achieved.
and other financing & Partnership Division • Increased credit distribution • Launching of Digital
programs that support • Retail Banking Division that supports the Services in the form
sustainable finance • Accounting & Financial implementation of green of Bina Application
programs, among Management Division portfolio. products, Bina
others Laku Pandai, • Compliance Division • Realization of Laku Pandai Digital Loan
KUR distribution, Inti & AML-CTF products. (business capital for
Plasma Program, • Digital Solutions & • Improved the achievement of MSMEs and Loan
and Digital Loan Partnership Tabunganku and Tabungan Channeling), and
Channeling. Simple products. Bina Agent.
• Issued Green Untung Programs.
Penyaluran kredit Januari-Desember • Divisi Komersial • Divisi Komersial Jumlah kredit kegiatan usaha Jumlah kredit kegiatan
dan penghimpunan Banking Banking berkelanjutan akhir 2024 adalah usaha berkelanjutan
dana masyarakat • Satuan Kerja • Satuan Kerja Micro 35% dari total kredit yang akhir 2024 adalah 21%
yang memenuhi Micro Banking Banking diberikan. dari total kredit yang
kriteria kegiatan usaha • Divisi Retail • Divisi Retail Banking diberikan.
berkelanjutan. Banking
Distribution of loans January-December • Commercial • Commercial Banking The number of loans for The number of loans for
and collection of public Banking Division Division sustainable business activities at sustainable business
funds that meet the • Micro Banking • Micro Banking Work the end of 2024 was 35% of the activities at the end of
criteria for sustainable Work Unit Unit total loans. 2024 was 21% of the
business activities. • Retail Banking • Retail Banking Division total loans.
Division
Edukasi dan Januari-Desember • Fungsi LST Karyawan yang terkait • Sebanyak 25% dari total Sebanyak 16 orang
sosialisasi keuangan • Divisi Human alokasi dana 1% dari biaya pengurus, para karyawan karyawan Bank
berkelanjutan. Capital pendidikan. di tingkat manajerial/ mengikuti edukasi dan
pengambil keputusan, sosialisasi keuangan
mengikuti pelatihan analisis berkelanjutan.
lingkungan hidup tingkat
dasar atau sejenis.
• Sebanyak 20% dari analis
kredit telah mengikuti
pelatihan terkait
AMDAL/manajemen risiko
sosial dan lingkungan hidup.
Sustainable finance January-December • ESG function Related employees’ • A total of 25% of the total A total of 16 Bank
education and • Human Capital allocation of 1% of tuition management, employees employees participated
dissemination. Division fees. at managerial/decision in sustainable finance
making level, attended basic education and
or similar environmental dissemination.
analysis training.
• A total of 20% of credit
analysts have attended
training related to AMDAL/
social and environmental risk
management.
Penyusunan Laporan Januari-Maret Divisi Legal • Divisi Umum • Pihak yang menjadi Bank telah menyusun
Keberlanjutan 2023. & Sekretaris • Divisi Komersial Banking penanggung jawab Laporan Keberlanjutan
Perusahaan • Divisi Human Capital RAKB dapat menjalankan 2023 yang digabungkan
• Divisi Manajemen tugas dan tanggung jawab dengan Laporan
Risiko masing-masing. Tahunan. Laporan
• Divisi Akuntansi & • Penyusunan Laporan tersebut juga memuat
Manajemen Keuangan Keberlanjutan 2023. kegiatan CSR yang
• Divisi Legal & Sekretaris • Terlaksananya kegiatan dilakukan Bank selama
Perusahaan corporate social responsibility tahun 2023.
• Divisi Retail Banking (CSR).
Preparation of January-March Legal & Corporate • General Division • Party in charge of RAKB can The Bank prepared
the 2023 Sustainability Secretary Division • Commercial Banking perform the respective duties the 2023 Sustainability
Report. Division and responsibilities. Report, which is
• Human Capital Division • Preparation of the 2023 integrated in the Annual
• Risk Management Sustainability Report. Report. The report also
Division • Implementation of corporate contains CSR activities
• Accounting & Financial social responsibility activities conducted by the Bank
Management Division (CSR). throughout 2023.
• Legal & Corporate
Secretary Division
• Retail Banking Division
PT Bank Ina Perdana Tbk 15
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Penanggung
Periode Jawab Status
Uraian Kegiatan Sumber Daya yang
Pelaksanaan Pelaksanaan Indikator Keberhasilan Pencapaian
Description of Dibutuhkan
Implementation Party in Success Indicator Achievement
Activities Required Resources
Period Charge of Status
Implementation
Pengendalian internal Januari-Desember Divisi Audit Internal Fungsi LST • Pihak yang menjadi Bank telah menyusun
pelaksanaan RAKB. penanggung jawab Laporan Keberlanjutan
Internal control of RAKB January-December Internal Audit ESG function RAKB dapat menjalankan 2023 yang digabungkan
implementation. Division tugas dan tanggung jawab dengan Laporan
masing-masing. Tahunan. Laporan
Pengukuran Desember • Fungsi LST • Divisi Audit Internal • Penyusunan Laporan tersebut juga memuat
pencapaian RAKB. • Divisi Kepatuhan • Divisi Kepatuhan & Keberlanjutan 2023. kegiatan CSR yang
& APU-PPT APU-PPT • Terlaksananya kegiatan dilakukan Bank selama
Measurement of RAKB December • ESG Function • Internal Audit Division corporate social responsibility tahun 2023.
achievements. • Compliance • Compliance Division (CSR).
Division & & AML-CTF • Party in charge of RAKB can The Bank prepared
AML-CTF perform the respective duties the 2023 Sustainability
and responsibilities. Report, which is
• Preparation of the 2023 integrated in the Annual
Sustainability Report. Report. The report also
• Implementation of corporate contains CSR activities
social responsibility activities conducted by the Bank
(CSR). throughout 2023.
Untuk mendukung pembangunan berkelanjutan yang inklusif, To support inclusive sustainable development, Bank INA has
Bank INA telah melakukan pemetaan berdasarkan prioritas kegiatan mapped priorities based on the 2024 RAKB activities and developed
RAKB 2024 dan menyusun program sosial serta lingkungan. social and environmental programs. These programs are detailed
Program-program tersebut dirinci sebagai berikut. as follows.
Memastikan kehidupan yang sehat dan mendukung kesejahteraan bagi semua untuk semua usia.
Ensure healthy lives and promoting well-being for all at all ages.
Memastikan pendidikan yang inklusif dan berkualitas setara, juga mendukung kesempatan belajar seumur hidup bagi semua.
Ensure inclusive and equitable quality education, while promoting lifelong learning opportunities for all.
Mencapai kesetaraan gender dan memberdayakan semua perempuan dan anak perempuan.
Achieve gender equality and empower all women and girls.
Mendukung pertumbuhan ekonomi yang inklusif dan berkelanjutan, tenaga kerja penuh dan produktif dan pekerjaan yang layak bagi semua.
Promote inclusive and sustainable economic growth, full and productive employment, and decent work for all.
Mengambil aksi segera untuk memerangi perubahan iklim dan dampaknya.
Take urgent action to combat climate change and its impacts.
16 PT Bank Ina Perdana Tbk
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Penentuan Isi dan Topik Material
Determination of Content and Material Topics
Pelibatan Pemangku Kepentingan [POJK51-E.4] Stakeholder Engagement [POJK51-E.4]
Bank INA melibatkan pemangku kepentingan secara aktif dalam Bank INA actively engages stakeholders in implementing
penerapan prinsip keberlanjutan untuk mendorong inovasi, sustainability principles to drive innovation, continuous
perbaikan berkelanjutan, serta memastikan bahwa ekspektasi improvement, and ensure their expectations are met. Each
mereka terpenuhi. Setiap pemangku kepentingan memiliki sudut stakeholder has a different perspective on key issues relevant to
pandang yang berbeda terhadap isu-isu penting yang relevan the Bank’s business activities, including economic, social, and
dengan aktivitas bisnis Bank, termasuk aspek ekonomi, sosial, environmental aspects.
dan lingkungan.
Dalam proses ini, Bank INA memetakan dan mengklasifikasikan As part of this process, Bank INA maps and classifies stakeholders
pemangku kepentingan berdasarkan tingkat kedekatan dan based on their level of proximity and influence on the Bank.
pengaruhnya terhadap Bank. Klasifikasi ini membantu Bank This classification helps the Bank design more effective and
merancang program dan inisiatif keberlanjutan yang lebih relevant sustainability programs and initiatives. The identification
efektif dan relevan. Proses identifikasi dan klasifikasi pemangku and classification of stakeholders are carried out systematically,
kepentingan dilakukan secara sistematis dengan mengacu pada referring to the AA1000 Stakeholder Engagement Standard (SES)
AA1000 Stakeholder Engagement Standard (SES) 2015, dengan 2015, with details as follows.
rincian sebagai berikut.
Pengaruh Influence
Pihak yang memberikan pengaruh terhadap The party that influences the Bank’s decision-making
pengambilan keputusan yang dilakukan oleh Bank related to business sustainability.
terkait keberlangsungan usaha.
Ketergantungan Dependency
Bank memiliki ketergantungan terhadap pihak The Bank has dependency on this party, either directly or
tersebut, baik secara langsung maupun tidak langsung. indirectly.
Tanggung Jawab Responsibility
Bank memiliki tanggung jawab, baik saat ini atau The Bank has a responsibility, either now or in the future,
di masa yang akan datang, terhadap pihak tersebut. to this party.
Perhatian Attention
Pihak tersebut membutuhkan perhatian dari Bank This party requires attention from the Bank regarding
terkait isu ekonomi, sosial, atau lingkungan hidup. economic, social, or environmental issues.
Perspektif Perspective
Pihak tersebut dapat memberikan sudut pandang The party can provide a new point of view that did not
baru yang sebelumnya belum ada terhadap isu penting previously exist on important relevant issues.
yang relevan.
PT Bank Ina Perdana Tbk 17
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Berdasarkan klasifikasi tersebut, Bank telah menetapkan kelompok Based on this classification, the Bank has established stakeholder
pemangku kepentingan, mengidentifikasi kebutuhan mereka, serta groups, identified their needs, and formulated relevant responses,
merumuskan respons yang relevan, yang dijelaskan pada tabel as detailed in the following table.
berikut.
Kelompok Kebutuhan Respons Terhadap
Frekuensi
Pemangku Pemangku Kebutuhan Pemangku
Dasar Pemilihan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan Kepentingan
Selection Basis Engagement Method Implementation
Stakeholder Stakeholder Response to
Frequency
Group Needs Stakeholder Needs
Karyawan • Tanggung Jawab; • Hak-hak • Memberikan upah yang layak, • Penyelenggaraan Setiap tahun atau
• Ketergantungan; karyawan; sesuai ketentuan yang berlaku; gathering karyawan sesuai rencana
• Pengaruh; dan • Pelatihan dan • Memenuhi kontrak kerja dan dan focus group pelaksanaan
• Perhatian. pengembangan; perjanjian kerja bersama; discussion (FGD); program.
• Kesetaraan dan • Memberikan kesempatan • Penyediaan
kesempatan; kepada karyawan wanita untuk whistleblowing
• Pengembangan menduduki posisi strategis di system (WBS)
karier; Bank; untuk melaporkan
• Pengalaman • Melaksanakan pendidikan/ pelanggaran hak-hak
bekerja yang pelatihan, penilaian kinerja, karyawan atau praktik
berharga dan dan pengembangan karier; ketenagakerjaan di
menyenangkan; • Memastikan kecukupan sarana lingkungan Bank;
• Pemenuhan dan prasarana kerja; dan • Pelaksanaan berbagai
aspek kesehatan • Memberikan kejelasan waktu program pendidikan/
dan keselamatan kerja dan cuti. pelatihan, serta
kerja (K3); serta promosi atau mutasi;
• Work life balance. dan
• Pelaksanaan survei
kepuasan karyawan.
Employee • Responsibility; • Employee rights; • Provide a decent wage, • Organizing employee Annually or
• Dependency; • Training and according to the applicable gatherings and focus according
• Influence; and development provisions; group discussions to program
• Attention. • Equality and • Comply with work contracts (FGD); implementation
opportunity; and collective labour • Providing a plan.
• Career agreements; whistleblowing system
development; • Provide opportunities for (WBS) to report
• Valuable and female employees to occupy violations of employee
enjoyable work strategic positions in the Bank; rights or employment
experience; • Conduct education/training practices within the
• Fulfilment of programs, performance Bank;
occupational assessment, and career • Conducting various
health and safety development; education/training
(OHS) aspects; • Ensure adequacy of programs, as well
and occupational facilities and as promotions or
• Work life balance. infrastructure; and transfers; and
• Provide clarity on working • Conducting employee
hours and leave. satisfaction surveys.
Nasabah • Tanggung Jawab; • Keamanan dan • Meningkatkan kualitas layanan, • Pelaksanaan customer Sepanjang tahun
• Ketergantungan; kemudahan termasuk dalam hal teknologi gathering; atau sesuai
• Pengaruh; dan transaksi informasi; • Penyediaan layanan kebutuhan.
• Perhatian. perbankan; • Memberikan perlindungan Call Center; serta
• Fasilitas simpanan dan kerahasiaan • Pelaksanaan survei
perbankan dan data nasabah; serta kepuasan nasabah.
kemudahan • Menyediakan informasi yang
akses; serta lengkap dan transparan
• Informasi produk terkait produk dan jasa Bank
dan layanan melalui situs web atau brosur
dan jelas dan yang tersedia di setiap kantor
transparan. cabang.
Customer • Responsibility; • Security and • Improve service quality, • Conducting customer All year round or
• Dependency; convenience including in terms of gatherings; as needed.
• Influence; and of banking information technology; • Providing Call Centre
• Attention. transactions; • Provide protection of deposits services; and
• Banking facilities and confidentiality of customer • Conducting customer
and easy access; data; and satisfaction surveys.
and • Provide complete and
• Clear and transparent information
transparent regarding the Bank’s products
product and services through the
and service website or brochures available
information. at each branch office.
18 PT Bank Ina Perdana Tbk
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Kelompok Kebutuhan Respons Terhadap
Frekuensi
Pemangku Pemangku Kebutuhan Pemangku
Dasar Pemilihan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan Kepentingan
Selection Basis Engagement Method Implementation
Stakeholder Stakeholder Response to
Frequency
Group Needs Stakeholder Needs
Mitra Kerja • Tanggung Jawab; • Hubungan • Menjalin kerja sama yang adil • Perumusan kontrak Sepanjang tahun
dan yang saling dan transparan, sesuai dengan kerja sama; serta atau sesuai
• Ketergantungan. menguntungkan; peraturan pada perjanjian/ • Pelaksanaan kebutuhan.
serta kontrak kerja; pertemuan berkala.
• Proses pengadaan • Membangun hubungan kerja
barang/jasa yang harmonis dengan mitra
yang adil dan kerja; serta
transparan. • Memenuhi kewajiban dalam
perjanjian/kontrak kerja.
Business Partners • Responsibility; • Mutually • Establish fair and transparent • Formulating cooperation All year round or
and beneficial cooperation in accordance contracts; and as needed.
• Dependency. relationship; and with regulations on work • Conducting periodic
• Fair and agreement/contract; meetings.
transparent • Build a harmonious working
goods/services relationship with business
procurement partners; and
process. • Fulfil the obligations in the
work agreement/contract.
Pemegang Saham • Tanggung Jawab; • Kinerja keuangan • Menyusun Rencana Bisnis Bank • Pelaksanaan Rapat Setiap tahun,
• Perspektif; dan dan non- (RBB) dan RAKB; Umum Pemegang sesuai waktu yang
• Pengaruh. keuangan; • Menjaga kinerja Bank tetap Saham (RUPS) dan ditentukan atau,
• Kinerja optimal dan sesuai target, Paparan Publik; sesuai kebutuhan.
lingkungan, dengan memperhatikan • Penyampaian Laporan
sosial, dan tata aspek ekonomi, sosial, dan Tahunan; serta
kelola (LST); lingkungan; • Penyediaan sarana
• Pertumbuhan • Menerapkan tata kelola akses informasi.
nilai saham; serta perusahaan (GCG) secara
• Penerapan optimal;
prinsip keuangan • Pengelolaan manajemen risiko
berkelanjutan. dan reputasi; serta
• Keterbukaan informasi.
Shareholder • Responsibility; • Financial and • Prepare the Bank Business Plan • Organizing the Annually, at set
• Perspective; and non-financial (RBB) and RAKB; General Meeting of times or, as needed.
• Influence. performance; • Maintain the Bank’s Shareholders (GMS)
• Environmental, performance to remain optimal and Public Expose;
social and and on target, by observing • Submitting Annual
governance (ESG) economic, social, and Report; and
performance; environmental aspects; • Providing channels for
• Stock value • Implement good corporate access to information.
growth; and governance (GCG) optimally;
• Implementation • Manage risk and reputation
of sustainable management; and
finance principles. • Information disclosure.
Pemerintah • Tanggung Jawab; • Kepatuhan atas • Memastikan pemenuhan • Penyampaian Laporan Sesuai waktu yang
dan peraturan dan seluruh peraturan yang berlaku Tahunan, Laporan ditentukan, sesuai
• Pengaruh. perundang- bagi Bank; Keuangan, Laporan kebutuhan, atau
undangan; • Meningkatkan kualitas GCG, dan laporan setiap tahun.
• Penyampaian pelaksanaan GCG; lainnya dengan tepat
beragam laporan • Menyampaikan setiap laporan waktu; serta
yang wajib; serta dengan tepat waktu; serta • Pembayaran dan
• Pemenuhan • Membayar pajak dan pelaporan pajak dan
kewajiban penerimaan negara bukan PNBP.
perpajakan. pajak (PNBP).
Government • Responsibility; • Compliance • Ensure compliance with all • Submission of Annual At a set time, as
and with laws and regulations applicable to the Report, Financial needed, or annually.
• Influence. regulations; Bank; Statements, GCG
• Submission • Improve the quality of GCG Report, and other
of various implementation; reports in a timely
mandatory • Submit each report in a timely manner; and
reports; and manner; and • Paying and reporting
• Fulfilment of tax • Pay taxes and non-tax state taxes and PNBP.
obligations. revenue (PNBP).
PT Bank Ina Perdana Tbk 19
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Kelompok Kebutuhan Respons Terhadap
Frekuensi
Pemangku Pemangku Kebutuhan Pemangku
Dasar Pemilihan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan Kepentingan
Selection Basis Engagement Method Implementation
Stakeholder Stakeholder Response to
Frequency
Group Needs Stakeholder Needs
Hubungan • Tanggung Jawab; • Dampak dan • Melaksanakan kegiatan TJSL • Pelaksanaan program Sesuai rencana
Kemasyarakatan/ • Ketergantungan; kinerja lingkungan; dengan turut melibatkan TJSL; pelaksanaan
Organisasi Sosial/ • Perhatian; dan • Program tanggung organisasi sosial/lembaga • Penyediaan WBS program atau sesuai
Lembaga Swadaya • Perspektif. jawab sosial dan swadaya masyarakat; untuk menyampaikan kebutuhan.
Masyarakat, dan lingkungan (TJSL); • Memberikan pemahaman dan pengaduan
Media • Kesempatan untuk perannya dalam penerapan masyarakat;
berkolaborasi keuangan berkelanjutan Bank; • Pemutakhiran
dalam program serta informasi pada situs
TJSL; • Menyediakan informasi yang web Bank dan Bursa
• Informasi kegiatan relevan dan transparan melalui Efek Indonesia; serta
Bank; serta situs web Bank. • Pelaksanaan paparan
• Pemahaman publik dan press
mengenai release/conference.
keuangan
berkelanjutan.
Community • Responsibility; • Environmental • Conduct TJSL activities by • Conducting TJSL According to
Relations/Social • Dependency; impact and involving social organizations/ program; the program
Organizations/ • Attention; and performance; non-governmental • Providing WBS implementation
Non-Governmental • Perspective. • Social and organizations; to receive public plan or as needed.
Organizations, and environmental • Provide understanding and role complaint;
Media responsibility in implementing the Bank’s • Updating information
program (TJSL); sustainable finance; and on the Bank’s website
• Opportunity to • Provide relevant and and Indonesia Stock
collaborate in transparent information Exchange’s website;
TJSL program; through the Bank’s website. and
• Information on • Conducting public
Bank activities; expose and press
and release/conference.
• Understanding
of sustainable
finance.
Topik Material Material Topics
Topik material dalam Laporan Tahunan Bank INA tahun 2024 The material topics in Bank INA’s 2024 Annual Report remain
tetap konsisten dengan tahun sebelumnya karena tidak ada consistent with the previous year, as there were no significant
perubahan signifikan dalam aktivitas bisnis, meskipun Bank telah changes in business activities, despite the Bank’s official
resmi ditunjuk sebagai Bank Persepsi oleh Kementerian Keuangan appointment as a Collection Bank by the Ministry of Finance of the
Republik Indonesia. Republic of Indonesia.
Topik Material Alasan Bersifat Material
Material Topics Material Reasons
ASPEK EKONOMI
ECONOMIC ASPECT
Nilai Ekonomi Langsung yang Dihasilkan dan Menggambarkan pencapaian dan kinerja Bank selama tahun pelaporan.
Distribusikan
Direct Economic Value Generated and Describe the Bank’s achievements and performance during the reporting year.
Distributed
Dampak Ekonomi Tidak Langsung Menggambarkan manfaat atas keberadaan Bank bagi masyarakat.
Indirect Economic Impact Describe the benefits of the Bank’s existence for the community.
Praktik Pengadaan Menggambarkan komitmen Bank terhadap keberadaan dan keberlangsungan ekonomi pemasok lokal.
Procurement Practice Describe the Bank’s commitment to the existence and economic sustainability of local suppliers.
Anti-Korupsi Menggambarkan komitmen Bank untuk menyelenggarakan kegiatan operasional secara bersih, jujur, dan
transparan.
Anti-Corruption Describe the Bank’s commitment to conducting operational activities in a clean, honest, and transparent
manner.
Bersaing Sehat/Anti-Monopoli Menggambarkan komitmen Bank untuk bersaing secara sehat, menghindari praktik bisnis yang tidak
terpuji.
Healthy Competition/Anti-Monopoly Describe the Bank’s commitment to fair competition, avoiding unsavoury business practices.
20 PT Bank Ina Perdana Tbk
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Topik Material Alasan Bersifat Material
Material Topics Material Reasons
ASPEK SOSIAL
MATERIAL TOPICS
Ketenagakerjaan Menggambarkan komitmen Bank tentang pentingnya pengelolaan karyawan/SDM.
Employment Describe the Bank’s commitment to the importance of managing employees/HR.
Kesehatan dan Keselamatan Kerja Menggambarkan komitmen Bank dalam menyediakan tempat kerja yang aman dan nyaman.
Occupational Health and Safety Describe the Bank’s commitment to providing a safe and comfortable workplace.
Pelatihan dan Pendidikan Menggambarkan komitmen Bank dalam upaya meningkatkan kompetensi karyawan.
Training and Education Describe the Bank’s commitment to making efforts to improve employees’ competencies.
Keanekaragaman dan Kesempatan yang Setara Menggambarkan komitmen Bank dalam menghargai keberagaman dan kesetaraan untuk maju dan
berkembang.
Diversity and Equal Opportunity Describe the Bank’s commitment to respecting diversity and equality to progress and develop.
Non-Diskriminasi Menggambarkan komitmen Bank dalam menghargai kesamaan antar sesama.
Non-Discrimination Describe the Bank’s commitment to respecting similarities among people.
Praktik Pengamanan Menggambarkan komitmen Bank dalam menyediakan petugas keamanan yang mampu menghargai hak
asasi manusia.
Security Practices Describe the Bank’s commitment to providing security officers who respect human rights.
Penilaian Hak Asasi Manusia Menggambarkan komitmen Bank INA terhadap hak asasi manusia sehingga tidak terjadi pelanggaran
karena bisa berdampak buruk pada operasional Bank.
Human Rights Assessment Describe Bank INA’s commitment to human rights so that no violations occur that can have a negative
impact on the Bank’s operations.
Kesehatan dan Keselamatan Nasabah Menggambarkan komitmen Bank dalam memberikan pelayanan terbaik sehingga nasabah bisa
memanfaatkan produk Bank secara aman dan nyaman.
Customer Health and Safety Describe the Bank’s commitment to providing the best service so that customers can utilize the Bank’s
products safely and comfortably.
Privasi Nasabah Menggambarkan komitmen Bank dalam menjaga kerahasiaan data nasabah.
Customer Privacy Describe the Bank’s commitment to maintaining customer data confidentiality.
Kepatuhan Sosial Ekonomi Menggambarkan komitmen Bank dalam menaati peraturan tentang sosial-ekonomi, seperti
ketenagakerjaan, bersaing sehat, dan non-diskriminasi.
Socio-Economic Compliance Describe the Bank’s commitment to complying with socio-economic regulations, such as employment,
healthy competition, and non-discrimination.
Literasi dan Inklusi Keuangan Menggambarkan komitmen Bank dalam memberikan pemahaman bagi masyarakat terkait manfaat
produk dan jasa perbankan yang sangat penting dalam meningkatkan kesejahteraan ekonomi dan sosial.
Describe the Bank’s commitment to providing understanding to the public regarding the benefits of
Financial Literacy and Inclusion banking products and services, which are very important in improving economic and social welfare.
ASPEK LINGKUNGAN
ENVIRONMENTAL ASPECT
Energi Menggambarkan komitmen Bank dalam melakukan efisiensi penggunaan energi karena aktivitas
operasional menggunakan energi yang cukup besar.
Energy Describe the Bank’s commitment to performing efficiency in energy use because the operational activities
use a large amount of energy.
Penggunaan Kertas Menggambarkan komitmen Bank untuk melakukan penghematan kertas sebagai bentuk kepedulian
terhadap lingkungan.
Use of Paper Describe the Bank’s commitment to saving paper as a form of concern for the environment.
Verifikasi Tertulis dari Pihak Independen Written Verification from Independent Party
[POJK51-G.1] [POJK51-G.1]
Saat ini, Laporan Tahunan Bank belum diverifikasi oleh pihak Currently, the Bank’s Annual Report has not been verified by an
independen. Meskipun demikian, manajemen Bank memastikan independent party. However, the Bank’s management ensures that
bahwa seluruh data dan informasi yang disajikan bersumber dari all data and information presented are sourced from accurate and
data yang akurat, dapat dipertanggungjawabkan, serta disusun accountable data and are prepared in accordance with sustainability
sesuai dengan prinsip-prinsip keberlanjutan. Ke depan, Bank principles. Going forward, the Bank will consider collaborating with
akan mempertimbangkan untuk bekerja sama dengan pihak an independent party to enhance the transparency and quality of
independen guna meningkatkan transparansi dan kualitas laporan the report.
yang dihasilkan.
PT Bank Ina Perdana Tbk 21
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KILAS KINERJA 2024 22 PT Bank Ina Perdana Tbk
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2024 Performance Highlights
PT Bank Ina Perdana Tbk 23
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Kilas Kinerja 2024
2024 Performance Highlights
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Keberlanjutan Kinerja Ekonomi [POJK51-B.1] [POJK51-C.3]
Sustainability of Financial Performance
Kinerja Keuangan
Financial Performance
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Uraian 2024 2023 2022 2021 2020 Description
POSISI KEUANGAN FINANCIAL POSITION
Total Aset 24.436.734 24.384.580 20.552.736 15.055.850 8.437.685 Total Assets
Aset Produktif Bersih 24.413.266 22.744.957 19.010.506 13.237.083 8.006.610 Net Earning Assets
Pinjaman Diterima - - - - - Loan Received
Total Ekuitas 3.612.974 3.556.158 3.288.088 2.373.675 1.217.144 Total Equity
Total Liabilitas 20.823.760 20.828.422 17.264.648 12.682.175 7.220.541 Total Liabilities
Total Biaya Dana (%) 5,67 5,22 3,73 4,51 6,09 Total Cost of Funds (%)
Jumlah Lembar Saham Number of Issued
yang Ditempatkan dan 6.135 6.135 5.937 5.937 2.725 and Paid-up Shares
Disetor (juta Lembar) (million Shares)
LABA (RUGI) DAN PENGHASILAN KOMPREHENSIF LAINNYA PROFIT (LOSS) AND OTHER COMPREHENSIVE INCOME
Pendapatan (Beban) Bunga Interest Income (Expense)
Pendapatan Bunga 1.889.119 1.726.605 1.172.750 673.334 430.256 Interest Income
Beban Bunga (1.176.059) (1.016.631) (613.873) (461.747) (261.553) Interest Expense
Pendapatan Bunga - Neto 713.060 709.974 558.877 211.587 168.703 Interest Income - Net
Pendapatan Operasional Lainnya 48.086 59.237 30.233 97.372 73.208 Other Operating Income
Beban Operasional Lainnya (653.683) (501.680) (386.257) (258.782) (213.290) Other Operating Expenses
Laba Sebelum Beban Pajak 107.463 267.531 202.853 50.177 28.621 Income Before Tax Expense
Beban Pajak - Neto (25.615) (59.655) (45.805) (10.429) (9.245) Tax Expense - Net
Laba Bersih Tahun Berjalan 81.848 207.876 157.048 39.748 19.376 Net Income for the Year
Penghasilan (Beban) Other Comprehensive Income
Komprehensif Lain (Loss)
Pos-Pos yang Tidak Akan Items that will not be
Direklasifikasi ke Laba Rugi: Reclassified to Profit or Loss:
Pengukuran Kembali Liabilitas Remeasurement of Employee
1.045 (1.403) 255 566 (1.687)
Imbalan Kerja Benefit Liabilities
Pajak Penghasilan Terkait (230) 309 (55) (94) 346 Related Income Tax
815 (1.094) 200 472 (1.341)
Pos-pos yang Akan Direklasifikasi Items that May Be Reclassified
ke Laba Rugi: to Profit and Loss:
Keuntungan (Kerugian) yang
Unrealized Gain (Loss)
Belum Direalisasi atas Perubahan
on Changes in Fair Value
Nilai Wajar Efek-Efek yang
(33.136) 64.117 (48.844) (85.618) 53.690 of Marketable Securities
Diklasifikasikan sebagai Nilai
Classified as Fair Value through
Wajar melalui Penghasilan
Comprehensive Income
Komprehensif
Cadangan Kerugian Penurunan
Allowance for Impairment
Nilai atas Efek-Efek yang
Losses on Marketable Securities
Diklasifikasikan sebagai Nilai 3 11.273 547 143 10
Classified as Fair Value through
Wajar melalui Penghasilan
Other Comprehensive Income
Komprehensif Lain
24 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Uraian 2024 2023 2022 2021 2020 Description
Pajak Penghasilan Terkait 7.286 (14.102) 10.754 17.684 (10.514) Related Income Tax
(25.847) 61.288 (37.543) (67.791) 43.186
Penghasilan (Beban)
Other Comprehensive Income
Komprehensif Lainnya Tahun (25.032) 60.194 (37.343) (67.319) 41.845
(Loss) for the Year - Net of Tax
Berjalan - Setelah Pajak
Total Penghasilan Komprehensif Total Comprehensive
56.816 268.070 119.705 (27.571) 61.221
Tahun Berjalan Incomefor the Year
Laba Per Saham Dasar dan Basic and Diluted Earnings
13,34 33,89 26,45 7,03 3,43
Dilusian (Nilai Penuh) Per Share (Full Amount)
ARUS KAS CASH FLOWS
Arus Kas dari (untuk) Cash Flows from (for)
1.134.960 72.808 (247.730) 3.434.690 2.269.456
Aktivitas Operasi Operating Activities
Arus Kas untuk Aktivitas Investasi (2.274.175) 467.063 (1.209.010) (1.506.126) (1.224.925) Cash Flows for Investing Activities
Arus Kas dari (untuk) Cash Flows from (for)
(26.918) (24.823) 778.589 1.166.050 (16.409)
Aktivitas Pendanaan FinancingActivities
Kenaikan (Penurunan) Bersih Net Increase (Decrease) in Cash
(1.166.133) 515.048 (678.151) 3.094.614 1.028.122
Kas dan Setara Kas (Net) and Cash Equivalents (Net)
Posisi Kas dan Setara Kas Position of Cash and Cash
5.023.630 4.508.582 5.186.733 2.092.119 1.063.997
di Awal Tahun Equivalents at Beginning of Year
Posisi Kas dan Setara Kas Position of Cash and Cash
3.857.497 5.023.630 4.508.582 5.186.733 2.092.119
di Akhir Tahun Equivalents at End of Year
RASIO-RASIO KEUANGAN DAN KEPATUHAN (%) FINANCIAL AND COMPLIANCE RATIOS (%)
Permodalan Capital
Rasio Kewajiban Penyediaan
Capital Adequacy Ratio
Modal Minimum
Dengan Memperhitungkan By Calculating Credit
25,11 26,16 31,13 54,75 40,11
Risiko Kredit dan Operasional and Operations Risk
Dengan Memperhitungkan
By Calculating Credit,
Risiko Kredit, Operasional, 25,07 26,10 31,12 53,14 40,08
Operations, and Market Risks
dan Pasar
Aset Produktif Earning Assets
Rasio Kredit Bermasalah Non-Performing
3,46 3,44 1,73 2,62 1,43
(NPL) - Gross Loans (NPL) - Gross
Rasio Kredit Bermasalah Non-Performing
2,20 1,69 0,55 1,64 0,20
(NPL) - Net Loans (NPL) - Net
Aset Produktif Bermasalah 1,80 1,75 0,79 0,74 0,52 Non-Performing Earning Assets
Cadangan Kerugian Penurunan Allowance for Impairment
Nilai (CKPN) Aset Keuangan 1,38 1,48 1,25 1,08 1,28 Losses (CKPN) of Financial
Terhadap Aset Produktif Assets to Earning Assets
Rentabilitas Profitability
Imbal Hasil atas Aset (ROA) 0,44 1,17 1,09 0,44 0,51 Return on Assets (ROA)
Imbal Hasil atas Ekuitas (ROE) 2,35 6,14 6,57 3,19 1,69 Return on Equity (ROE)
Biaya Operasional Terhadap Operating Costs to Operating
93,87 84,37 82,43 92,42 93,80
Pendapatan Operasional (BOPO) Income (BOPO)
Margin Bunga Bersih (NIM) 3,29 3,12 3,49 2,25 3,40 Net Interest Margin (NIM)
Liabilitas Terhadap Ekuitas 576,36 585,70 525,07 534,28 593,24 Debt to Equity
Liabilitas Terhadap Aset 85,21 85,41 84,00 84,23 85,57 Debt to Assets
Likuiditas Liquidity
Rasio Kredit Terhadap Total
65,34 65,60 63,06 29,67 41,26 Loans to Funding Ratio (LFR)
Pendanaan (LFR)
PT Bank Ina Perdana Tbk 25
Page 28
Kilas Kinerja 2024
2024 Performance Highlights
Uraian 2024 2023 2022 2021 2020 Description
Kepatuhan Compliance
Persentase Pelanggaran BMPK Percentage of LLL Violations
Pihak Terkait - - - - - Related Parties
Pihak Tidak Terkait - - - - - Non-Related Parties
Persentase Pelampauan BMPK Percentage of LLL Excess
Pihak Terkait - - - - - Related Parties
Pihak Tidak Terkait - - - - - Non-Related Parties
Giro Wajib Minimum Minimum Statutory
12,67 15,87 17,61 21,65 3,09
(GWM) - Rupiah Reserves (GWM) - Rupiah
Giro Wajib Minimum Minimum Statutory Reserves
6,52 6,24 4,58 10,34 4,28
(GWM) - Valuta Asing (GWM) - Foreign Currency
Posisi Devisa Neto 0,00 0,00 0,00 0,13 0,18 Net Open Position
Transaksi Spot dan Derivatif 574 1.471 783 310 - Spot and Derivative Transactions
Kinerja Operasional
Operating Performance
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Uraian 2024 2023 2022 2021 2020 Description
Pinjaman yang Diberikan 13.150.442 12.677.186 9.749.245 3.709.335 2.931.448 Loan Received
Dana Pihak Ketiga 20.127.216 19.315.909 15.462.825 12.502.036 7.104.540 Third-Party Funds
Pemasaran dan Kredit Marketing and Loans
Total Pendapatan 1.268.294 1.171.868 678.539 316.132 266.761 Total Income
Total Beban (1.341.565) (1.108.172) (710.952) (521.263) (319.176) Total Expense
Treasury Treasury dan Treasury and
Financial Institutions Financial Institutions
Total Pendapatan 636.897 579.874 491.471 434.786 219.909 Total Income
Total Beban (23.376) (26.334) (3.543) (2.418) (807) Total Expense
Trade Finance Trade Finance
Total Pendapatan 10.995 14.186 16.410 3.549 115 Total Income
Total Beban (16) (60) (56) (166) - Total Expense
Keberlanjutan Kinerja Sosial [POJK51-B.3]
Sustainability of Social Performance
Satuan
Uraian 2024 2023 2022 2021 2020 Description
Unit
PENGELOLAAN KARYAWAN EMPLOYEE MANAGEMENT
Orang
Total Karyawan 1.187 997 739 619 585 Total Employees
People
Orang
Total Karyawan Wanita 435 349 231 198 175 Total Female Employees
People
Peserta
Pelatihan Karyawan 8.100 3.807 3.738 2.817 2.951 Employee Training
Participant
PENGEMBANGAN SOSIAL DAN KEMASYARAKATAN SOCIAL AND COMMUNITY DEVELOPMENT
Program
Jenis Kegiatan 5 7 6 9 4 Type of Activity
Program
Biaya Investasi Sosial Rupiah 279.981.500 213.958.850 206.966.905 317.163.270 280.919.695 Social Investment Cost
26 PT Bank Ina Perdana Tbk
Page 29
Laporan Tahunan 2024
2024 Annual Report
Keberlanjutan Kinerja Lingkungan Hidup [POJK51-B.2]
Sustainability of Environmental Performance
Satuan
Uraian 2024 2023 2022 2021 2020 Description
Unit
Pembiayaan Kegiatan jutaan Rupiah Financing of Sustainable
2.768.276 4.268.348 3.401.435 978.012 1.072.983
Usaha Berkelanjutan million Rupiah Business Activities
jutaan Rupiah
Penggunaan Listrik 2.945 2.047 1.879 1.352 1.287 Use of Electricity
million Rupiah
Penggunaan Bahan jutaan Rupiah
2.455 2.165 1.672 1.279 1.182 Use of Fuel Oil
Bakar Minyak (BBM) million Rupiah
Biaya Penggunaan jutaan Rupiah Drinking Water
137 131 90 68 65
Air Minum million Rupiah Usage Fees
Rim
Penggunaan Kertas 1.534 2.138 1.392 1.284 880 Use of Paper
Ream
Ikhtisar Saham
Share Highlights
Jumlah
Volume Saham
Harga Harga Harga Kapitalisasi
Perdagangan Beredar
Tertinggi Terendah Penutupan Pasar
Tahun Periode (Lembar) (Lembar)
Year Period Highest Lowest Closing Market
Trading Total
Price Price Price Capitalization
Volume Outstanding
(Rp) (Rp) (Rp) (Rp)
(Share) Shares
(Share)
Kuartal I
4.270 4.000 4.200 5.903.600 6.073.369.498 25.508.151.891.600
1st Quarter
Kuartal II
4.300 4.000 4.190 6.563.800 6.073.369.498 25.447.418.196.620
2nd Quarter
2024
Kuartal III
4.280 3.950 4.180 17.615.000 6.073.369.498 25.386.684.501.640
3rd Quarter
Kuartal IV
4.190 3.970 4.190 15.599.500 6.073.369.498 25.447.418.196.620
4th Quarter
Kuartal I
4.020 3.930 4.020 4.058.800 6.073.369.498 24.414.945.381.960
1st Quarter
Kuartal II
3.990 3.890 3.970 4.296.000 6.073.369.498 24.111.276.907.060
2nd Quarter
2023
Kuartal III
3.950 3.610 3.850 7.761.900 6.073.369.498 23.382.472.567.300
3rd Quarter
Kuartal IV
4.400 4.090 4.090 9.217.500 6.073.369.498 24.840.081.246.820
4th Quarter
PT Bank Ina Perdana Tbk 27
Page 30
Kilas Kinerja 2024
2024 Performance Highlights
Grafik Pergerakan Harga Penutupan Saham dan Volume Perdagangan
Graph of Movement of Closing Price and Trading Volume
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Number of Share) Closing Price (Rp)
12.000.000 4.300
4.200
10.000.000
4.100
8.000.000
4.000
6.000.000
3.900
4.000.000
3.800
2.000.000 3.700
- 3.600
l
l
n
n
r
r
v
v
b
b
p
p
ar
ar
c
c
t
t
g
g
n
n
Ju
Ju
ay
ay
Ap
Ap
Oc
Oc
No
No
Ju
Ju
De
De
Fe
Fe
Au
Au
Se
Se
Ja
Ja
M
M
M
M
2023 2024
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Number of Share) Closing Price (Rp)
Aksi Korporasi Corporate Action
Selama tahun 2024, Bank INA tidak melakukan aksi korporasi apa In 2024, Bank INA did not carry out any corporate actions, such
pun, termasuk pemecahan saham, penggabungan saham, dividen as stock splits, reverse stock splits, stock dividends, bonus share
saham, pembagian saham bonus, maupun perubahan nilai nominal distributions, or changes to the nominal value of its shares.
saham.
Aktivitas Perdagangan Saham Stock Trading Activity
Bank INA berkomitmen untuk mematuhi seluruh kebijakan dan Bank INA is committed to complying with all applicable policies
peraturan perundang-undangan yang berlaku di pasar modal. and regulations in the capital market. As a result, throughout 2024,
Oleh karena itu, sepanjang tahun 2024, tidak terdapat sanksi yang the Bank did not receive any sanctions from regulators, including
dikenakan oleh regulator, baik berupa penghentian sementara trading suspensions or delisting of shares.
perdagangan maupun pembatalan pencatatan saham.
Ikhtisar Obligasi
Bonds Highlights
Selama tahun 2024, Bank tidak menerbitkan efek selain saham, Throughout 2024, the Bank did not issue any securities other than
termasuk obligasi, sukuk, maupun obligasi konversi. shares, including bonds, sukuk, or convertible bonds.
28 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Peristiwa Penting
Significant Events
1 Februari 2024 22 Februari-3 Maret 2024
February 1, 2024 February 22 - March 3, 2024
Peresmian gedung Kantor Cabang Melawai Jakarta Selatan. Berpartisipasi dalam ASG Expo 2024 di Indonesia Design District
(IDD) PIK 2 yang diselenggarakan oleh Agung Sedayu Group (ASG).
Inauguration of Melawai Branch Office Building, South Jakarta. Participated in ASG Expo 2024 at Indonesia Design District (IDD)
PIK 2, organized by Agung Sedayu Group (ASG).
15 Maret 2024 25 April 2024
March 15, 2024 April 25, 2024
Pelaksanaan RUPS Luar Biasa. Go-Live dan Launching Bank INA sebagai Bank Persepsi.
Conducting Extraordinary General Meeting of Shareholders (EGMS). Go-Live and Launch of Bank INA as a Collection Bank.
8 Mei 2024 27 Mei 2024
May 8, 2024 May 27, 2024
Peresmian Kantor Cabang Pantai Indah Kapuk. Peluncuran Layanan API Binadigital.
Inauguration of Pantai Indah Kapuk Branch Office. Launch of Binadigital API Service.
PT Bank Ina Perdana Tbk 29
Page 32
Kilas Kinerja 2024
2024 Performance Highlights
26 Mei 2024 20 Juni 2024
May 26, 2024 June 20, 2024
Peluncuran Fitur Kartu ATM/Debit Binadigital. Pelaksanaan RUPS Luar Tahunan dan RUPS Luar Biasa.
Launch of Binadigital ATM/Debit Card Feature. Conducting Annual General Meeting of Shareholders (AGMS) and
Extraordinary General Meeting of Shareholders (EGMS).
11 Juli 2024 19 Juli 2024
July 11, 2024 July 19, 2024
Peresmian Kantor Cabang Puri. Penandatanganan Perjanjian Kerja Sama antara PT Kustodian
Sentral Efek Indonesia (KSEI) dengan Bank Administrator
RDN - Bank Pembayaran periode 2024-2029.
Inauguration of Puri Branch Office. Signing of the Cooperation Agreement between PT Kustodian
Sentral Efek Indonesia (KSEI) and the RDN Administrator
Bank - Payment Bank for the 2024-2029 period.
8 Agustus 2024 4 September 2024
August 8, 2024 September 4, 2024
Peluncuran layanan pembelian Surat Berharga Negara (SBN) Ritel Perayaan Hari Pelanggan Nasional tahun 2024 di beberapa cabang
di Pasar Perdana. utama di DKI Jakarta dan Jawa Barat, yaitu Kantor Cabang (KC)
Ariobimo, KC Melawai, KC Puri, dan KC Dago Bandung.
Launch of Retail Government Securities (SBN) purchase service in Celebration of National Customer Day 2024 at several key branches
the Primary Market. in DKI Jakarta and West Java, including Ariobimo Branch Office,
Melawai Branch Office, Puri Branch Office, and Dago Bandung
Branch Office.
30 PT Bank Ina Perdana Tbk
Page 33
Laporan Tahunan 2024
2024 Annual Report
10 September 2024 6 September 2024
September 10, 2024 September 6, 2024
Peluncuran Setor Tunai di Indomaret sebagai Agen Penjual Efek Peresmian Kantor Cabang Dago Bandung.
Reksa Dana.
Launch of Cash Deposit at Indomaret as Selling Agent for Mutual Inauguration of Dago Bandung Branch Office.
Fund Securities.
10 September 2024 26 September 2024
September 10, 2024 September 26, 2024
Peresmian Kantor Cabang Bukit Darmo Surabaya. Penandatanganan Kerja Sama Pemberian Beasiswa kepada
Mahasiswa Universitas Kristen Krida Wacana tahun 2024.
Inauguration of Bukit Darmo Surabaya Branch Office. Signing of Cooperation Agreement for Scholarship Grants to
Universitas Kristen Krida Wacana Students in 2024.
3 Oktober 2024 10 Oktober 2024
October 3, 2024 October 10, 2024
Peresmian Kantor Cabang Pembantu Sunter. Peresmian Kantor Cabang Pembantu Bumi Serpong Damai (BSD).
Inauguration of Sunter Sub-Branch Office. Inauguration of Bumi Serpong Damai (BSD) Sub-Branch Office.
PT Bank Ina Perdana Tbk 31
Page 34
Kilas Kinerja 2024
2024 Performance Highlights
22 Oktober 2024 5 November 2024
October 22, 2024 November 5, 2024
Tim Tanggap Insiden Siber Bank INA resmi terdaftar di Badan Siber Peluncuran dan Kerja Sama Pemasaran Produk Reksa Dana dengan
dan Sandi Negara (BSSN). PT Sequis Aset Manajemen (Sequis AM).
Bank INA’s Cyber Incident Response Team is officially registered Launch and Marketing Collaboration of Mutual Fund Products with
with the National Cyber and Crypto Agency (BSSN). PT Sequis Aset Manajemen (Sequis AM).
8 November 2024 13-15 November 2024
November 8, 2024 November 13-15, 2024
Penandatanganan Perjanjian Kerja Sama Bank Penyimpan Dana Berpartisipasi dalam acara Indonesia Human Capital & Beyond
Margin PT Bank Ina Perdana Tbk dan PT Kliring Berjangka Indonesia. Summit 2024 di JIExpo Jakarta.
Signing of the Margin Fund Custodian Agreement between Participation in the Indonesia Human Capital & Beyond Summit
PT Bank Ina Perdana Tbk and PT Kliring Berjangka Indonesia. 2024 at JIExpo Jakarta.
15 November 2024 Bank INA sebagai Bank Kustodian.
November 15, 2024
Bank INA as the Custodian Bank
32 PT Bank Ina Perdana Tbk
Page 35
Laporan Tahunan 2024
2024 Annual Report
19-25 November 2024 16 Desember 2024
November 19-25, 2024 December 16, 2024
Appreciation Trip nasabah prioritas Bank INA ke Chongqing, China. Peresmian Kantor Cabang Pembantu Pondok Indah.
Bank INA Priority Customer Appreciation Trip to Chongqing, China. Inauguration of Pondok Indah Sub-Branch Office.
PT Bank Ina Perdana Tbk 33
Page 36
Kilas Kinerja 2024
2024 Performance Highlights
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan
Awards
Top Digital Innovation in Gold Award - Excellent
Product Offering and Kategori / Category
Experience Innovation Bank-Public Company
Tanggal / Dated Tanggal / Dated
20 Februari 2024 / February 20, 2024 22 Februari 2024 / February 22, 2024
Penyelenggara / Organizer Penyelenggara / Organizer
The Iconomics Economic Review
The Best Corporate Secretary The Best Conventional Bank
& Communication (KBMI1) Kategori Aset
Award IX 2024 Rp10 Triliun - <Rp25 Triliun
Kategori / Category The Best Conventional Bank
Bank-Public Company (KBMI1) Asset Category
Tanggal / Dated Rp10 Trillion - <RP25 Trillion
28 Maret 2024 / March 28, 2024
Tanggal / Dated
Penyelenggara / Organizer 1 April 2024 / April 1, 2024
Economic Review
Penyelenggara / Organizer
Infobank - Isentia
Best Sales Marketing, Best Director for Indonesia
Platinum Award, Sales Marketing untuk
Kategori / Category Direktur Bisnis Retail,
Very Excellent Yandy Ramadhani
Tanggal / Dated Best Director for Indonesia
29 Mei 2024 / May 29, 2024 Sales & Marketing awarded to
Yandy Ramadhani, Director of
Penyelenggara / Organizer
Economic Review Retail Business
Tanggal / Dated
29 Mei 2024 / May 29, 2024
Penyelenggara / Organizer
Economic Review
Indonesia Best Bank 2024 The Excellent Performance
for Excellent Innovation in Bank 2023 (KBMI 1)
Products and Digital Services Tanggal / Dated
(Kategori: KBMI 1, Swasta / 29 Agustus 2024 / August 29, 2024
Category: KBMI 1, Private)
Penyelenggara / Organizer
Tanggal / Dated Infobank
31 Juli 2024 / July 31, 2024
Penyelenggara / Organizer
Warta Ekonomi
34 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Bank Berpredikat The Best Indonesia IT &
“Sangat Prima” Digital Operational Excellence
Kategori Modal Inti sampai Award VI 2024
dengan Rp6 Triliun (KBMI I) (Gold Award - Excellent -
dan Aset Rp20 Triliun sampai Kategori Bank Publik dengan
dengan di Bawah Rp25 Triliun Aset >Rp25 Triliun)
Bank Predicate “Very Excellent” (Category: Public Bank with
Core Capital Category up Assets >Rp25 Trillion)
to Rp6 Trillion (KBMI I) and Tanggal / Dated
Assets Rp20 Trillion up to 27 November 2024 /
Under Rp25 Trillion November 27, 2024
Tanggal / Dated Penyelenggara / Organizer
9 September 2024 / Economic Review
September 9, 2024
Penyelenggara / Organizer
Peluang
Sertifikasi
Certifications
Certificate of Registration Certificate of Computer
ISO/IEC 27001:2022 Security Incident Response
Information Security Team (CSIRT) - BINA
Management Systems Penyelenggara / Organizer
Penyelenggara / Organizer Badan Siber dan Sandi Negara
CBQA Global (BSSN) / National Cyber and
Encryption Agency
Masa Berlaku / Validity Period
19 Mei 2023-18 Mei 2026 / May 19, Masa Berlaku / Validity Period
2023-May 18, 2026 17 Mei 2024-17 Mei 2027 /
May 17, 2024-May 17, 2027
Keanggotaan Asosiasi [POJK51-C.5]
Association Membership
Nama Asosiasi Skala Asosiasi Posisi Bank
Association Name Association Scale The Bank’s Position
Lembaga Penjamin Simpanan Indonesia Nasional Anggota
Indonesian Deposit Insurance Corporation National Member
PT Kustodian Sentral Efek Indonesia Indonesia Nasional Anggota
Indonesia Central Securities Depository National Member
Perhimpunan Bank-Bank Umum Nasional (PERBANAS) Nasional Anggota
Association of National Commercial Banks National Member
Asosiasi Emiten Indonesia (AEI) Nasional Anggota
Indonesian Public Listed Companies Association National Member
Ikatan Bankir Indonesia (IBI) Nasional Anggota
Indonesia Banker Institute National Member
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia (LAPSPI) Nasional Anggota
Indonesian Alternative Agencies for Dispute Resolution in Banking National Member
Nasional Anggota
Indonesian Corporate Secretary Association (ICSA)
National Member
Asosiasi Sistem Pembayaran Indonesia (ASPI) Nasional Anggota
Indonesia Payment System Association National Member
Forum Komunikasi Direktur Operasional Perbankan Nasional Anggota
Forum for Communication of Banking Operations Directors National Member
Asosiasi Bank Agen Penjual Efek Reksa Dana Indonesia (ABAPERDI) Nasional Anggota
Indonesian Bank Association of Selling Agents for Mutual Fund Securities (ABAPERDI) National Member
PT Bank Ina Perdana Tbk 35
Page 38
LAPORAN MANAJEMEN 36 PT Bank Ina Perdana Tbk
Page 39
Management Report
PT Bank Ina Perdana Tbk 37
Page 40
Laporan Manajemen
Management Report
Laporan Dewan Komisaris
Report of the Board of Commissioners
INAWATY HANDOJO
Komisaris Utama Independen
Independent President Commissioner
38 PT Bank Ina Perdana Tbk
Page 41
Laporan Tahunan 2024
2024 Annual Report
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Shareholders and Stakeholders,
Tahun 2024 merupakan periode yang diwarnai oleh tantangan A mix of challenges and opportunities within the national economy
dan peluang dalam perekonomian dan industri perbankan and banking industry was the main theme of 2024. Nevertheless,
nasional. Meskipun sektor keuangan dan sektor riil mengalami despite the dynamics experienced by both the financial and real
dinamika, namun pertumbuhan ekonomi relatif stabil, didukung sectors, our economic growth remained relatively stable, fueled
oleh peningkatan konsumsi domestik serta akselerasi digitalisasi by increasing domestic consumption, as well as accelerated digital
layanan keuangan. Dalam dinamika yang terus berkembang, transformation of the financial services. Amidst the ever-evolving
PT Bank Ina Perdana Tbk mampu mempertahankan kinerja yang dynamics, PT Bank Ina Perdana Tbk managed to maintain solid
positif dengan strategi yang adaptif, serta optimalisasi inovasi performance through adaptive strategies and optimization of digital
digital untuk meningkatkan daya saing. Strategi dan kebijakan yang innovations to improve competitiveness. The strategies and policies
diterapkan pun telah selaras dengan prinsip tata kelola yang baik applied through the year were aligned with the principles of good
serta mendukung pertumbuhan berkelanjutan dan pencapaian corporate governance, and supporting sustainable growth and
target jangka panjang Bank. achievement of the Bank’s long-term objectives.
Highlight tersebut merupakan hasil penelaahan dan evaluasi atas These highlights were the results of review and evaluation of the
pengelolaan Perseroan yang dijalankan oleh Direksi sepanjang Company’s management conducted by the Board of Directors
tahun 2024. Selain itu, Laporan Dewan Komisaris ini juga akan throughout 2024. In addition, this Report of the Board of
membahas prospek usaha ke depan guna memberikan gambaran Commissioners will also discuss about future business outlook to
yang komprehensif bagi para pemangku kepentingan. Dengan provide a comprehensive perspective for all stakeholders. Equipped
fondasi yang kokoh dan arah strategis yang jelas, Bank INA berada with a solid foundation and clear strategic direction, Bank INA is
pada posisi yang solid untuk terus bertumbuh dan memberikan well-positioned to continue growing and providing added value for
nilai tambah bagi seluruh pemangku kepentingan. all stakeholders.
Pandangan atas Kondisi Ekonomi Views on Economic Condition
dan Industri Perbankan and Banking Industry
Tahun 2024 diwarnai tantangan bagi perekonomian global, ditandai In, 2024, the global economy still met with challenges, marked by
dengan eskalasi ketidakpastian akibat dinamika geopolitik, transisi escalating uncertainties due to geopolitical dynamics, leadership
kepemimpinan di berbagai negara, serta perlambatan pertumbuhan transitions on several countries, as well as a slowdown of global
ekonomi dunia. Perubahan kebijakan di lebih dari 60 negara, economic growth. Changing policies in more than 60 countries,
termasuk Indonesia, berpotensi memengaruhi arah ekonomi dan including Indonesia, generated the potentials to influence the
perdagangan global, sehingga menuntut respons kebijakan yang direction of global economy and trade, further demanding the
cermat dan adaptif. Meskipun negara-negara maju menunjukkan careful and adaptive policies responses. Although the developed
ketahanan yang beragam, pertumbuhan ekonomi global masih countries showing various degree of resilience, the global economic
menghadapi tekanan dengan divergensi yang semakin melebar. growth still faced the pressure from the gapping divergence.
Di tengah kondisi tersebut, Indonesia mampu mempertahankan Amidst these conditions, Indonesia managed to maintain its
stabilitas makroekonomi dengan pertumbuhan kumulatif sebesar macroeconomic stability, with recorded cumulative growth of
5,03% di sepanjang tahun 2024. Konsumsi domestik dan investasi 5.03% throughout 2024. Both the domestic consumption and
tetap menjadi motor utama perekonomian, didukung oleh investment remained as the primary drivers of the economy,
kebijakan fiskal yang proaktif dan inflasi yang terkendali. Namun, backed by proactive fiscal policy and controlled inflation. However,
pelemahan nilai tukar Rupiah serta perlambatan permintaan global the weakening of the Rupiah and a slowdown in the global
menjadi faktor eksternal yang perlu diantisipasi guna menjaga demand remain as external factors to be anticipated to sustain the
momentum pertumbuhan ekonomi nasional. momentum of national economic growth.
Di sektor perbankan, resiliensi tetap terjaga di tengah berbagai In the banking sector, resilience remained amidst the ongoing
dinamika yang terjadi. Pertumbuhan kredit yang mencapai 10,39% dynamics. Credit growth reached 10.39%, reflecting a solid demand
mencerminkan solidnya permintaan pembiayaan dari sektor for financing from the consumption, investment, and working
konsumsi, investasi, dan modal kerja. Likuiditas perbankan tetap capital sectors. Banking liquidity is well under control, with
terkendali dengan pertumbuhan dana pihak ketiga (DPK) sebesar Third-Party Funds (DPK) of 4.48%, coupled with a strong capital, as
4,48%, demikian pula tingkat permodalan yang kuat dengan capital seen from the Capital Adequacy Ratio (CAR) of 26.89%, showcasing
adequacy ratio (CAR) di level 26,89% menjadi bukti ketahanan the resilience of the industry in dealing with the potential risks.
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industri dalam menghadapi potensi risiko. Perbaikan rasio kredit The improvement seen in the non-performing loan (NPL) ratio also
bermasalah (non-performing loan atau NPL) turut menunjukkan indicates effective risk mitigation efforts in maintaining financial
upaya mitigasi risiko yang efektif dalam menjaga stabilitas sistem system stability. On the other hand, the national banking also
keuangan. Di sisi lain, perbankan nasional pun terus beradaptasi continues adapting itself with the structural challenges, which
dengan tantangan struktural, termasuk konsolidasi perbankan include regional bank consolidation and capital strengthening to
daerah dan penguatan permodalan untuk meningkatkan daya improve the industry competitiveness.
saing industri.
Pengawasan atas Strategi Bisnis Supervision on the Business Strategy
dan Implementasinya and its Implementation
Dewan Komisaris menilai bahwa, secara umum, sektor perbankan In general, the Board of Commissioners considers the banking
menunjukkan kinerja yang solid dan tetap berada dalam sector demonstrated solid performance and remained on track
jalur pertumbuhan yang sehat. Karenanya, kami senantiasa to a sound growth trajectory. Therefore, we always encouraging
mendorong Direksi dan jajarannya untuk memanfaatkan the Board of Directors and its management team to utilize all
setiap potensi pertumbuhan serta bersikap cermat dan adaptif available growth potentials, while maintaining the careful and
dalam menghadapi setiap tantangan. Hal ini diperkuat dengan adaptive in facing every challenges. This is further strengthened
optimalisasi fungsi pengawasan Dewan Komisaris secara by the optimalization of supervisory function of the Board of
menyeluruh terhadap perumusan dan implementasi strategi bisnis Commissioners on the overall formulation and implementation
guna memastikan keselarasan kebijakan dengan visi, misi, serta of business strategies, to ensure alignment of policies with Bank
kepentingan jangka panjang Bank INA. Dalam menjalankan tugas INA’s vision, mission, and long-term interests. In carrying out this
ini, kami aktif mengevaluasi rencana strategis yang disusun oleh duties, we actively evaluating the strategic plans prepared by
Direksi, mencakup mitigasi risiko, optimalisasi portofolio bisnis, Board of Directors, including risk mitigation, portfolio optimization
serta pemanfaatan teknologi dalam meningkatkan daya saing. efforts, and utilization of technology to elevate competitiveness.
Pengawasan dilakukan melalui rapat berkala, kajian terhadap Supervision is carry out through regular meetings, reviews of
indikator kinerja utama, serta pemberian rekomendasi strategis key performance indicators, as well as provision of strategic
guna memastikan efektivitas pelaksanaan kebijakan. recommendations to ensure effective implementation of policies.
Hasil pengawasan menunjukkan bahwa strategi yang Results of the aforementioned supervision indicate that the
diimplementasikan telah dijalankan secara disiplin dan sesuai strategies implemented have been done in good discipline and in
dengan dinamika yang terjadi, sehingga mampu menghasilkan line with the existing industry dynamics, thus enabling solid growth
pertumbuhan yang solid di tengah tantangan industri. Bank INA despite amidst the ongoing challenges in the industry. Bank INA
berhasil menjaga total aset serta memperkuat daya saing melalui successfully maintained its total assets while also strengthening
inovasi dan transformasi digital. Selain itu, setiap langkah strategis its competitiveness via innovation and digital transformation.
yang diambil tetap berorientasi pada pertumbuhan berkelanjutan In addition, every strategic measure taken still oriented toward
serta menciptakan nilai tambah bagi seluruh pemangku sustainable growth and creating added values for all stakeholders.
kepentingan.
Penilaian Atas Kinerja Direksi Assessment on the Board of Directors’
Performance
Di sepanjang tahun 2024, Perseroan telah menunjukkan kapabilitas Throughout 2024, the Company has demonstrated strong
yang kuat dalam menghadapi dinamika ekonomi dan tantangan capabilities in facing the economic dynamics and challenges of
industri perbankan. Berbagai strategi yang diterapkan, termasuk the banking industry. Various strategies implemented, including
ekspansi jaringan kantor, peningkatan kapasitas internal, expansion of office network, building the internal capacity,
optimalisasi portofolio kredit, serta transformasi digital, telah optimization of credit portfolio, and digital transformation, have
menghasilkan kinerja yang memuaskan. Langkah proaktif dalam generated satisfactory performances. The proactive measures
pengembangan produk dan layanan berbasis keberlanjutan pun taken in developing sustainability-based products and services
turut mendukung pertumbuhan sektor usaha yang selaras dengan also contributed to business growth, in line with sustainable
prinsip keuangan berkelanjutan. Selain itu, pengelolaan risiko finance principles. In addition, prudent risk management further
yang prudent turut memperkuat ketahanan Bank dalam menjaga strengthened the Bank’s resilience in maintaining its financial
stabilitas keuangan. stability.
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2024 Annual Report
Dari aspek kinerja keuangan, Bank INA berhasil mencatat In terms of financial performance, Bank INA managed to record
pertumbuhan dengan total aset mencapai Rp24,44 triliun dan growth with total assets amounting to Rp24.44 trillion and interest
pendapatan bunga mencapai Rp713,06 miliar. Untuk menjaga income of Rp713.06 billion. In maintaining a solid financial position,
posisi keuangan agar tetap solid, Bank INA telah meningkatkan Bank INA has increased its provision for impairment losses of
penyisihan kerugian penurunan nilai sebesar Rp188,9 miliar Rp188.9 billion, resulting in Rp81.8 billion of net profit. Meanwhile,
sehingga mencatat laba bersih sebesar Rp81,8 miliar. Sementara the Capital Adequacy Ratio (CAR) remained strong at 25.07%, and
itu, rasio kecukupan modal (CAR) tetap kuat di level 25,07%, dan the Non-Performing Loan (NPL) ratio was maintained at 3.46%.
rasio kredit bermasalah (NPL) terjaga di angka 3,46%. Jangkauan Optimization of offices network and strengthening of digital
layanan juga semakin meluas melalui optimalisasi jaringan kantor infrastructure also resulted in wider service coverage.
dan penguatan infrastruktur digital.
Berdasarkan pencapaian tersebut, Dewan Komisaris memberikan Based on the aforementioned achievements, the Board of
apresiasi kepada Direksi atas kepemimpinan yang efektif dan Commissioners extends its appreciation to Board of Directors for
visioner. Direksi telah menunjukkan dedikasi dan komitmennya the effective and visionary leadership. The Board of Directors has
dalam menerapkan strategi yang berkelanjutan, khususnya dalam shown dedication and commitment in implementing sustainable
mendorong inovasi dan efektivitas operasional guna memastikan strategies, particularly in driving innovation and operational
pertumbuhan yang sehat dan berkelanjutan. efficiency to ensure a sound and sustainable growth.
Evaluasi atas Penerapan Tata Kelola Evaluation on the Implementation of
Perusahaan Corporate Governance
Dewan Komisaris menilai bahwa penerapan tata kelola perusahaan The Board of Commissioners considered the implementation of
yang baik (good corporate governance atau GCG) di Bank INA Good Corporate Governance (GCG) at Bank INA has been carried
telah dijalankan secara konsisten guna memperkuat fundamental out consistently in strengthening the Bank’s business fundamentals
bisnis dan menjaga kepercayaan pemangku kepentingan. Prinsip and upholding the trust from stakeholders. The principles of
transparansi, akuntabilitas, tanggung jawab, independensi, dan transparency, accountability, responsibility, independence, and
kesetaraan senantiasa menjadi pedoman dalam setiap kebijakan fairness continue to serve as the guidelines for every policy and
dan keputusan strategis yang diambil oleh Direksi. Begitu pun strategic decision taken or decided by the Board of Directors.
dengan upaya penyempurnaan yang terus dilakukan melalui Similarly, the refinement efforts that are carried out through regular
evaluasi berkala, termasuk self-assessment terhadap implementasi evaluations, including self-assessments on the implementation of
GCG serta penguatan komunikasi dengan regulator, dan nasabah. GCG, as well as improvement of communication with regulators
Dengan pencapaian nilai komposit 2 dalam penilaian GCG tahun and customers. With the achievement of composite score of 2 in
2024, Bank INA menunjukkan tata kelola yang secara umum baik the 2024 GCG assessment, Bank INA has shown overall good
dan selaras dengan prinsip kehati-hatian perbankan. governance and in line with the prudence principle in banking.
Pengamatan atas Sistem Pelaporan Pelanggaran Observation on the Whistleblowing System
Penerapan GCG di Bank INA juga disertai dengan penerapan The implementation of GCG at Bank INA is also supplemented
sistem pelaporan pelanggaran (whistleblowing system atau WBS) by the implementation of an independent and professional
yang telah berjalan secara independen dan profesional. Sistem whistleblowing system (WBS). This system allows employees to
ini memungkinkan karyawan melaporkan pelanggaran tanpa rasa report any violation without fear, as it comes with guaranteed
takut, dengan jaminan perlindungan dan kerahasiaan. Fungsi WBS protection and confidentiality. The WBS function is managed by
yang dikelola oleh Satuan Kerja Audit Internal (SKAI) memiliki the Internal Audit Work Unit (SKAI), who holds full authority in
kewenangan penuh dalam investigasi serta memastikan tindak investigating, as well as ensuring transparent follow-up actions.
lanjut yang transparan. Prosedur pelaporan tersedia melalui email Reporting procedures are available via email and hotline, with
dan hotline, dengan mekanisme penanganan yang berlandaskan handling mechanism that is based on the accountability principle.
prinsip akuntabilitas. Bank INA juga secara aktif melakukan Bank INA also actively organizes dissemination to improve the
sosialisasi untuk meningkatkan pemahaman seluruh karyawan understanding of all employees on the importance of reporting any
terhadap pentingnya pelaporan pelanggaran. Karenanya, Dewan violation. Therefore, the Board of Commissioners appreciates the
Komisaris mengapresiasi langkah Direksi dalam memperkuat WBS measure taken by the Board of Directors in strengthening WBS and
dan mendorong peningkatan efektivitas sistem ini guna menjaga encourages to improve the effectiveness of this system to maintain
integritas serta tata kelola perusahaan yang baik. the integrity and sound corporate governance.
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Penilaian Terhadap Komite-komite di bawah Assessment of Committees Under
Dewan Komisaris the Board of Commissioners
Dewan Komisaris didukung 3 komite, yakni: Komite Audit, Komite The Board of Commissioners is supported by 3 committees:
Remunerasi dan Nominasi, serta Komite Pemantau Risiko . Setiap Audit Committee, Remuneration and Nomination Committee,
komite menjalankan tugasnya dengan baik pada tahun 2024 dalam and Risk Monitoring Committee. Each committee conducted its
mendukung penerapan tata kelola yang baik. duties effectively in 2024, to support the implementation of good
governance practices.
Komite Audit melakukan penelaahan atas hal-hal penting terkait The Audit Committee is reviewing important issues related
pelaporan keuangan, sistem pengendalian internal dan kepatuhan to financial reporting, internal control system and regulatory
terhadap peraturan, guna memastikan bahwa pelaksanaan compliance, to ensure that Bank INA’s activities have been done
kegiatan Bank INA telah sesuai dengan peraturan dari regulator dan were in line with both regulatory requirements and the bank’s
kebijakan internal bank. internal policies.
Komite Pemantau Risiko melakukan pemantauan terhadap The Risk Monitoring Committee is monitoring various risk factors
berbagai faktor Risiko yang dihadapi Bank. Berdasarkan hasil faced by the Bank. Based on self-assessment results, Bank INA
self assessment, Bank INA dapat mempertahankan tingkat kesehatan maintained a composite risk health score of 2 (Low to Moderate).
Risiko komposit dengan nilai 2 (Low to Moderate). Pengukuran ini This measurement is accompanied by periodic evaluations to
disertai dengan evaluasi periodik untuk mengindentifikasi aspek identify areas of improvement, as well as ensuring optimum risk
yang perlu diperbaiki serta memastikan mitigasi risiko yang optimal. mitigation. The Board of Commissioners also views all risks have
Dewan Komisaris pun melihat bahwa seluruh risiko telah dikelola been well-managed, without significant impact on the Bank’s
dengan baik, tanpa dampak signifikan terhadap operasional Bank. operations.
Komite Remunerasi dan Nominasi melakukan pemantauan The Remuneration and Nomination Committee has been monitoring
terhadap manajemen sumber daya manusia Bank INA, yang pada Bank INA’s human resource management, which saw significant
tahun 2024 mengalami pertumbuhan kantor cabang dan jumlah growth in branch offices and employees in 2024, and provided
karyawan yang cukup siginifikan dan memberikan rekomendasi recommendations on the adjustments to the Bank’s organizational
atas penyesuaian struktur organisasi Bank. structure.
Perubahan Komposisi Anggota Changes in the Board of Commissioners’
Dewan Komisaris Composition
Sepanjang tahun 2024, tidak terdapat perubahan terkait komposisi Throughout 2024, there was no change to the composition of the
anggota Dewan Komisaris Bank INA. Adapun anggota Dewan Bank INA’s Board of Commissioners. The current members of the
Komisaris yang menjabat saat ini diuraikan sebagai berikut. Board of Commissioners are outlined as follows:
Nama Jabatan
Name Position
Komisaris Utama Independen
Inawaty Handojo
Independent President Commissioner
Komisaris Independen
Yohanes Santoso Wibowo
Independent Commissioner
Komisaris
Josavia Rachman Ichwan
Commissioner
Pandangan atas Prospek Usaha Tahun 2025 Views on Business Prospects for 2025
Tahun 2025 diperkirakan masih diwarnai ketidakpastian global Global uncertainties due to geopolitical tensions, economic policies
akibat tensi geopolitik, kebijakan ekonomi negara maju, serta of the developed countries, as well as slowdown in global trade
perlambatan perdagangan dunia. Meskipun demikian, fundamental is projected to continue in 2025. Nevertheless, Indonesia’s solid
ekonomi Indonesia yang solid memberikan optimisme terhadap economic fundamentals fueled an optimism of growth to be in
pertumbuhan di kisaran 5,1%-5,2%, didorong oleh konsumsi the range of 5.1%–5.2%, driven by domestic consumption and
domestik dan investasi yang tetap kuat. investment that remain strong.
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Kebijakan-kebijakan regulator akan mempertimbangkan berbagai Regulatory policies will be considering various factors, including
faktor, termasuk inflasi, laju pertumbuhan ekonomi, arah kebijakan inflation, economic growth rates, the direction of U.S. Federal
Bank Sentral AS, dan stabilitas Rupiah. Kami sependapat dengan Reserve policies, and the stability of Rupiah. We agree with Board
pandangan Direksi untuk menetapkan asumsi bisnis yang realistis of Directors’ view to set realistic business assumptions in the Bank’s
dalam Rencana Bisnis Bank (RBB) agar sejalan dengan laju Business Plan (RBB), to be in line with the pace of the economy.
perekonomian.
Kami memandang bahwa Direksi perlu meningkatkan We consider it is necessary for Board of Directors to improve on
langkah-langkah yang pruden, serta siap menghadapi guncangan prudent measures, as well as always prepared for potential shocks,
yang mungkin terjadi, didukung oleh manajemen risiko yang backed by good risk management practices. On the other hand,
baik. Di lain Pihak, Direksi harus tetap jeli untuk memanfaatkan the Board of Directors must also remain vigilant to capture any
peluang-peluang bisnis yang ada. arising business opportunities.
Prioritas strategis bank untuk tahun 2025 adalah menjaga In 2025, the Bank’s strategic priorities will focus on balancing its
keseimbangan pertumbuhan dan mitigasi risiko dengan growth with risk mitigation, by maintaining growth and ensuring
mempertahankan pertumbuhan dan menjaga kualitas kredit, credit quality, enhancing digital capabilities, and expanding the
meningkatkan kapabilitas digital, serta memperluas ekosistem ecosystem via partnerships and customer acquisitions. With
melalui kemitraan dan akuisisi nasabah. Dengan pendekatan yang the adaptive and sustainability-oriented approach, the Board
adaptif dan berorientasi pada keberlanjutan, Dewan Komisaris of Commissioners is confident the strategies implemented will
optimis bahwa strategi yang dijalankan akan memperkuat strengthen Bank INA’s resilience and support the continued growth
ketahanan Bank INA serta mendukung pertumbuhan industri of both the banking industry and the national economy.
Perbankan dan perekonomian nasional.
Penutup Closing
Dewan Komisaris mengapresiasi seluruh pihak yang telah berperan The Board of Commissioners appreciates all parties who have
dalam perjalanan Bank INA di sepanjang tahun 2024. Setiap contributed to Bank INA’s journey throughout 2024. Every
pencapaian yang diraih merupakan hasil dari kepemimpinan achievement made is the result of the Board of Directors’
strategis Direksi, ketangguhan manajemen, serta dedikasi strategic leadership, management’s resilience, and employees’
karyawan dalam menghadapi dinamika industri perbankan. Dewan dedication in navigating the banking industry dynamics.
Komisaris juga menghargai kepercayaan yang senantiasa diberikan The Board of Commissioners also values the continuous trust from
oleh Pemegang Saham, regulator, mitra usaha, dan nasabah, the Shareholders, regulators, business partners, and customers,
yang menjadi kekuatan utama dalam mendukung pertumbuhan as the key driving force supporting the Bank’s sustainable growth.
berkelanjutan Bank. Dengan semangat kolaborasi dan komitmen With a spirit of collaboration and a commitment to good
terhadap tata kelola yang baik, Bank INA akan mampu terus governance, Bank INA will continue to moving forward, optimizing
melangkah maju, mengoptimalkan potensi, dan memberikan its potential, and providing the best contribution to the national
kontribusi terbaik bagi perekonomian nasional. economy.
Atas nama Dewan Komisaris
On behalf of the Board of Commissioners
PT BANK INA PERDANA TBK,
Inawaty Handojo
Komisaris Utama Independen
Independent President Commissioner
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Laporan Direksi [POJK51-D.1]
Report of the Board of Directors
HENRY KOENAIFI
Direktur Utama
President Director
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Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Esteemed Shareholders and Stakeholders,
PT Bank Ina Perdana Tbk terus melangkah dengan optimisme dan PT Bank Ina Perdana Tbk continues moving forward with optimism
ketangguhan di tengah lanskap industri perbankan yang dinamis. and resilience amidst the dynamic banking industry landscape.
Di tahun 2024, Bank INA menghadapi tantangan dan peluang yang In 2024, Bank INA navigated a stream of challenges and
menuntut ketepatan strategi, ketahanan operasional, serta inovasi opportunities demanding proper strategies, operational resilience,
berkelanjutan guna mempertahankan daya saing dan pertumbuhan and ongoing innovation to maintain its competitiveness and
yang berkelanjutan. Dengan mengedepankan tata kelola yang baik, sustainable growth. By prioritizing sound governance practices,
transformasi digital, serta penguatan kapabilitas sumber daya, digital transformation, coupled with the strengthening of human
Bank INA berhasil menjaga stabilitas kinerja dan memperluas peran capital capabilities, Bank INA has managed to maintain stable
dalam ekosistem keuangan nasional. performance while expanding its role within the national financial
ecosystem.
Laporan Direksi ini merangkum perjalanan Bank INA selama satu This Report of the Board of Directors summarized Bank INA’s
tahun terakhir. Laporan ini mencerminkan pencapaian, strategi, journey over the past year. It reflects the accomplishments,
serta arah kebijakan yang telah ditempuh sebagai landasan bagi strategies, and the orientation of policies taken as the basis
langkah ke depan dalam menciptakan nilai yang lebih besar bagi for moving toward and delivering greater value for all of the
seluruh pemangku kepentingan. stakeholders.
Tinjauan Perekonomian dan Industri Overview of Economy and Banking Industry
Perbankan Tahun 2024 in 2024
Tahun 2024 ditandai dengan ketidakpastian global yang masih Increasing global uncertainties still main the theme of 2024, due
tinggi akibat eskalasi konflik geopolitik, transisi kepemimpinan to escalating geopolitical conflicts, leadership transitions on
di berbagai negara, serta perlambatan pertumbuhan ekonomi several countries, and the slowdown in global economic growth.
dunia. Perubahan kepemimpinan di berbagai negara turut Leadership transitions on several countries brought significant
memberikan tantangan besar karena berpotensi mengubah arah challenges, due to its potentials of altering the course of economic
kebijakan ekonomi dan perdagangan. Dalam lanskap ekonomi and trade policies. In terms of global economic, the Covid-19
global, pemulihan pascapandemi Covid-19 berlangsung dengan post-pandemic recoveries are still ongoing with uneven paces, as
laju yang bervariasi, di mana negara-negara maju menunjukkan developed countries showing their resilience but not fully return
ketahanan meskipun belum sepenuhnya kembali ke tingkat to pre-pandemic growth levels. The United States of America
pertumbuhan sebelum pandemi. Amerika Serikat mencatat had a 2.7% growth rate in Quarter III-2024, while Europe suffered
pertumbuhan sebesar 2,7% pada triwulan III-2024, sementara Eropa from stagnation, and low growth of around 0.9%. On the other
mengalami stagnasi dengan pertumbuhan sekitar 0,9%. Di sisi lain, hand, China also experienced rather significant slowdown, where
Tiongkok mengalami perlambatan yang cukup dalam, dengan its economic growth fell below 5%, before rebounded to 5.4% in
pertumbuhan ekonomi di bawah 5%, meskipun meningkat menjadi Quarter IV- 2024 following government stimulus[1]. Overall, the
5,4% pada triwulan IV-2024 berkat stimulus pemerintah[1]. Secara 2024 global economic growth was recorded at 3.2%[2], with gapping
keseluruhan, pertumbuhan ekonomi global tahun 2024 tercatat divergence in growth between countries.
sebesar 3,2%[2], dengan divergensi pertumbuhan antarnegara yang
semakin melebar.
Dalam menghadapi dinamika global tersebut, perekonomian In facing these global dynamics, Indonesia’s economy showed
Indonesia menunjukkan ketahanan yang cukup baik dengan great resilience, by maintaining stable growth of around 5.03%
pertumbuhan yang tetap stabil di kisaran 5,03% sepanjang throughout 2024[3]. The post-pandemic recovery continued,
tahun 2024[3]. Pemulihan pascapandemi terus berlanjut dengan supported by inflation that remained under control at the level of
inflasi yang terkendali di level 1,57%[4], mencerminkan stabilitas 1.57%[4], reflecting well-maintained macroeconomic stability. On the
makroekonomi yang terjaga. Adapun kinerja ekonomi nasional other hand, national economic performance was primarily backed
utamanya ditopang oleh konsumsi domestik yang tumbuh 4,94%[3], by domestic consumption, that grew by 4.94%[3], supported by the
didukung oleh kebijakan fiskal yang proaktif dalam menjaga daya proactive fiscal policies aiming to sustain household purchasing
beli masyarakat. Investasi juga tumbuh positif sebesar 5,15%[5], power. Investment also posted positive growth of 5.15%[5], driven
didorong oleh peningkatan investasi di sektor infrastruktur by increased capital flows pouring into the infrastructure and
dan manufaktur. Dari sisi produksi, sektor transportasi dan manufacturing sectors. In the production side, the transportation
pergudangan mencatat pertumbuhan tertinggi sebesar 8,64%[5], and warehousing sector recorded its highest growth at 8.64%[5],
seiring dengan peningkatan mobilitas dan aktivitas perdagangan. in line with the rising mobility and trade activities. Nevertheless,
Meskipun demikian, tekanan eksternal dari perlambatan external pressures from weakening global demand and exchange
permintaan global dan fluktuasi nilai tukar tetap menjadi tantangan rate fluctuations remained as challenges to the national economy.
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bagi perekonomian nasional. Rupiah mengalami pelemahan 4,34% Our Rupiah experienced a 4.34% (yoy) drop and reached the level
(yoy) hingga mencapai Rp16.095 per USD[6], namun masih lebih of Rp16,095 per USD[6], although still considerably stable compared
stabil dibandingkan mata uang negara berkembang lainnya. when compared to currencies of other emerging countries.
Sementara itu, industri perbankan Indonesia tetap resilien Meanwhile, the Indonesian banking industry remains resilience
di tengah tantangan ekonomi global dan domestik. Pada tahun amidst the both global and domestic challenges. In 2024, credit
2024, pertumbuhan kredit stabil pada kisaran 10,39%[7] seiring growth remained steady in the range of 10.39%[7], in line with
dengan meningkatnya permintaan kredit dari segmen investasi, the increasing demand for credit coming from the investment,
konsumsi, dan modal kerja. Dana Pihak Ketiga (DPK) juga tumbuh consumption, and working capital segments. The Third-Party
sebesar 4,48%[8], lebih tinggi dibandingkan pertumbuhan tahun Funds (DPK) also grew by 4.48%[8], higher than the previous year’s
sebelumnya, menunjukkan likuiditas yang tetap terjaga. Adapun growth, reflecting well-sustained liquidity. As of November 2024,
tingkat permodalan perbankan pada November 2024 tetap solid the banking capital remained solid, with a Capital Adequacy Ratio
dengan capital adequacy ratio (CAR) di level 26,89%, sementara (CAR) of 26.89%, with improving Non-Performing Loan (NPL) of
rasio non-performing loan (NPL) mengalami perbaikan menjadi 2.19% (gross) and 0.75% (net)[9], respectively. Amidst ongoing global
2,19% (gross) dan 0,75% (net)[9]. Di tengah ketidakpastian global uncertainties, the Indonesian banking sector remains adaptive
yang masih berlangsung, perbankan Indonesia terus beradaptasi by implementing innovative and responsive strategies aimed to
dengan strategi yang inovatif dan responsif guna menjaga stabilitas maintaining financial system stability, as well as supporting the
sistem keuangan serta mendukung pertumbuhan ekonomi nasional. national economic growth.
Tantangan dan Peluang yang Memengaruhi Challenges and Opportunities Affecting
Bisnis Bank INA Tahun 2024 serta Strategi Bank INA’s Business in 2024 and
dalam Menghadapinya the Strategies to Address Them
Tahun 2024 menghadirkan tantangan bagi industri perbankan, The year 2024 presented challenges for the banking industry,
termasuk bagi Bank INA, yang harus beradaptasi dengan dinamika including for Bank INA, which was required to adapt to the
ekonomi serta perubahan kebijakan pemerintah. Ketidakpastian economic dynamics, as well as shifting in government policy.
ekonomi global maupun domestik masih membayangi sektor Both global and domestic economic uncertainties continued to
usaha, sementara dunia usaha terus menyesuaikan diri dengan weigh on the business sector, while the world still continuous to
dampak jangka panjang pandemi Covid-19. Dalam konteks ini, adjust itself to long-term impacts of Covid-19 pandemic. In this
kebutuhan akan tenaga analis dan account officer yang memiliki context, the demand for analysts and account officers having
pemahaman mendalam mengenai keuangan berkelanjutan deep knowledge on the sustainable finance become increasingly
menjadi semakin penting, terutama dalam menilai kelayakan kredit important, especially in assessing credit feasibility for business
bagi kegiatan usaha yang mengedepankan prinsip keberlanjutan. activities prioritizing the principle of sustainability. On the other
Di sisi lain, industri perbankan juga dituntut untuk mengembangkan hand, the banking industry is also required to develop products and
produk dan layanan yang mampu mengakomodasi kebutuhan services capable to accommodate the financing needs of sustainable
pembiayaan sektor berkelanjutan, sekaligus memastikan bahwa sectors, while also ensuring that the credit disbursement can be
penyaluran kredit dapat diserap secara optimal oleh dunia usaha optimally absorbed by businesses still in their recovery phase.
yang masih dalam tahap pemulihan.
Dalam menghadapi tantangan tersebut, Bank INA menerapkan In addressing these challenges, Bank INA is implementing various
berbagai strategi yang berorientasi pada keberlanjutan dan strategies that are oriented toward sustainability and business
ketahanan bisnis. Salah satu langkah utama adalah memastikan resilience. One of the key measures is ensuring the alignment
keselarasan aktivitas operasional dengan kebijakan pemerintah, of operational activities with government policy, particularly
khususnya dalam aspek keberlanjutan. Selain itu, peningkatan in sustainability aspect. In addition, improvement of internal
kapasitas internal menjadi prioritas melalui pelatihan dan lokakarya capabilities is also a priority, and is realized through training
bagi analis dan account officer guna memperkuat pemahaman and workshops for targeting both the analysts and account
terkait keuangan berkelanjutan serta risiko lingkungan. Dari sisi officers to deepen their understanding on sustainable finance,
produk, Bank INA berkomitmen untuk mengembangkan berbagai as well as environmental risks. In terms of product, Bank INA
skema pembiayaan yang mendukung kegiatan usaha berkelanjutan, remains committed to develop various financing schemes
baik di sektor UMKM maupun komersial. Upaya lain yang dilakukan supporting sustainable business activities, both in the MSME and
meliputi restrukturisasi kredit bagi UMKM terdampak pandemi, commercial sectors. Another efforts being carried out includes
pengawasan intensif terhadap debitur restrukturisasi, serta credit restructuring for MSME affected by the pandemic, intensive
penyusunan pencadangan yang memadai guna menjaga stabilitas monitoring of restructured debtors, and the preparation of
keuangan Bank. adequate provisions to safeguard the Bank’s financial stability.
Sebagai bagian dari strategi jangka panjang, Bank INA terus As a part of its long-term strategy, Bank INA continues expanding
meningkatkan portofolio pembiayaan yang selaras dengan its sustainable financing portfolio, particularly in the MSME
prinsip keberlanjutan, khususnya di segmen UMKM dan and commercial segments. Digital transformation is also a key
komersial. Transformasi digital juga menjadi fokus utama focus, articulated through the development of digital ecosystem,
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melalui pembangunan ekosistem digital, penguatan infrastruktur, strengthening of the infrastructure, and the implementation of
serta penerapan layanan berbasis teknologi seperti internet technology-driven services such as internet banking, mobile
banking, mobile banking, e-KYC (electronic-Know Your Customer), banking, e-KYC (electronic Know Your Customer), and Open
dan Open API (Application Programming Interface). Selain itu, API (Application Programming Interface). Further, Bank INA is
Bank INA berkomitmen untuk menerapkan efisiensi operasional, committed to implement operational efficiency, both in the
baik dari sisi proses bisnis maupun penggunaan sumber daya business processes and resources use, such as paper, water, and
seperti kertas, air, dan listrik. Pendekatan strategis yang electricity. This comprehensive and adaptive strategic approach
komprehensif dan adaptif tersebut menumbuhkan optimisme reinforces the optimism of Bank INA in maintaining a sustainable
Bank INA dalam menjaga pertumbuhan yang berkelanjutan, growth, as well as providing added value for the customers and
sekaligus memberikan nilai tambah bagi nasabah dan pemangku stakeholders amidst the dynamic economic landscape.
kepentingan di tengah tantangan ekonomi yang dinamis.
Peranan Direksi dalam Perumusan Strategi Board of Directors’ Role in Formulating
Bank INA dan Pengawasan Bank INA’s Strategy and the Supervision
atas Implementasinya of its Implementation
Sebagai pengarah utama strategi bisnis, Direksi Bank INA berperan As lead business strategist, the Board of Directors of Bank INA
krusial dalam menavigasi dinamika industri perbankan. Dengan plays a critical role in navigating the dynamics of banking industry.
analisis mendalam terhadap tren ekonomi, regulasi, dan kebutuhan With an in-depth analysis of the economic trends, regulations,
nasabah, Direksi merumuskan kebijakan strategis yang adaptif dan and customer needs, the Board of Directors formulates adaptive
berorientasi keberlanjutan. Setiap keputusan didasarkan pada strategic policies oriented toward sustainability. Every decision is
keseimbangan antara pertumbuhan bisnis dan mitigasi risiko, serta made by considering a careful balance between business growth
diselaraskan dengan visi besar Bank INA melalui diskusi strategis and risk mitigation, and is aligned with Bank INA’s grand vision
dengan Dewan Komisaris dalam forum Rencana Bisnis Bank (RBB). through strategic discussions with the Board of Commissioners in
the Bank’s Business Plan (BBP) forum.
Tak hanya merumuskan strategi, Direksi juga memastikan Other than formulating strategies, the Board of Directors also
implementasinya berjalan optimal melalui evaluasi berkala dan ensures that their implementation are optimized by carrying out
koordinasi erat dengan jajaran eksekutif. Ketepatan dan fleksibilitas regular evaluations and close coordination with the executives.
dalam merespons perubahan eksternal menjadi kunci dalam Precision and flexibility in responding to external changes are the
menjaga daya saing dan ketahanan bisnis. Dengan komitmen keys in maintaining competitiveness and resilience of the business.
pada integritas dan profesionalisme, Direksi memastikan setiap With a firm commitment to integrity and professionalism, the Board
kebijakan tidak hanya mendorong pertumbuhan berkelanjutan, of Directors ensures that every policy not only drives sustainable
tetapi juga memperkuat posisi Bank INA sebagai institusi keuangan growth but also cementing Bank INA’s position as a resilient and
yang tangguh dan terpercaya. trusted financial institution.
Pencapaian Kinerja Tahun 2024 dan Performance Achievement in 2024
Perbandingannya dengan Target and the Comparison with Target
Di tengah dinamika ketidakpastian pasar keuangan yang Amid the ongoing dynamics of high uncertainty in the financial
masih tinggi, Bank INA masih dapat menjaga kinerja keuangan market, Bank INA was still able to maintain its financial
di tahun 2024. Total aset Bank Ina tercatat sebesar Rp24,44 performance in 2024. Bank Ina’s total assets amounted to Rp24.44
triliun, mengalami peningkatan dibandingkan tahun 2023, trillion, showing an increase compared to 2023, driven by the rise in
yang didorong oleh kenaikan penghimpunan dana pihak ketiga third-party funds (DPK) collection to Rp20.13 trillion. This increase
(DPK) menjadi Rp20,13 triliun. Peningkatan DPK ini mencerminkan in DPK reflects the continued strong trust of customers in Bank INA.
masih tingginya kepercayaan nasabah kepada Bank INA. In terms of funding composition, the CASA ratio at the end of 2024
Dari sisi komposisi pendanaan, rasio CASA di akhir tahun 2024 stood at 24.5%. The increase in third-party funds in 2024 was still
tercatat sebesar 24,5%. Peningkatan Dana Pihak Ketiga di tahun dominated by deposit growth of 16.61% to Rp15.19 trillion.
2024 masih didominasi oleh pertumbuhan deposito sebesar
16,61% menjadi Rp15,19 triliun.
Penyaluran kredit pada akhir tahun 2024 sebesar Rp13,15 triliun, Loan disbursement at the end of 2024 amounted to Rp13.15 trillion,
tercatat meningkat bila dibandingkan pencapaian pada akhir tahun marking an increase compared to the achievement at the end
2023 yang masih sebesar Rp12,68 triliun. Peningkatan kredit ini of 2023, which was still at Rp12.68 trillion. This increase in loans
terutama didukung oleh pertumbuhan kredit modal kerja yang was mainly supported by the growth of working capital loans,
meningkat 12,04%. Optimalisasi dari penempatan aset produktif which rose by 12.04%. Optimization of the placement of the Bank’s
yang dimiliki Bank dan strategi pricing yang kompetitif membuat productive assets and a competitive pricing strategy led to an
pendapatan bunga bersih meningkat menjadi Rp713,06 miliar. increase in net interest income to Rp713.06 billion.
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Untuk mengantisipasi pemburukan kualitas kredit, Bank secara To anticipate the deterioration of credit quality, the Bank
konservatif melakukan penambahan biaya pencadangan/penyisihan conservatively increased its allowance for impairment losses from
kerugian penurunan nilai dari aset produktif yang dimiliki Bank, its productive assets, resulting in a net profit of Rp81.85 billion in
sehingga laba bersih di tahun 2024 menjadi Rp 81,85 miliar. 2024. The gross non-performing loan (NPL) ratio at the end of 2024
Rasio kredit bermasalah (NPL gross) pada akhir tahun 2024 sebesar was 3.46%, slightly rising compared to the previous year’s 3.44%,
3,46%, sedikit meningkat dibanding tahun lalu yang sebesar 3,44%, but still below the regulatory threshold. Meanwhile, the capital
namun masih di bawah ambang batas ketentuan regulator. Adapun adequacy ratio (CAR) remained at 25.07%. This condition reflects
rasio kecukupan modal (CAR) masih tercatat sebesar 25,07%. a strong capital position to support the Bank’s business growth.
Kondisi ini mencerminkan posisi permodalan yang tetap kuat untuk
mendukung pertumbuhan bisnis Bank.
Bank INA juga terus menghadirkan inovasi dan memperluas Bank INA continues to introduce innovations and expand its
layanan digital. Beberapa fitur unggulan diluncurkan, termasuk digital services. Several flagship features were launched, including
API Binadigital, serta layanan tarik tunai tanpa kartu. Selain itu, Binadigital API, and cardless cash withdrawal services. In addition,
transaksi pembelian produk Surat Berharga Negara (SBN) kini transactions for the purchase of Government Securities (SBN)
dapat dilakukan langsung melalui aplikasi INA Mobile. Bank juga products can now be conducted directly through the INA Mobile
memperkuat peran sebagai mitra strategis pemerintah melalui application. The Bank has also strengthened its role as a strategic
penunjukan sebagai Bank Persepsi, Bank Administrator Rekening partner of the government through its appointment as a Perception
Dana Nasabah (RDN), Bank Pembayaran, dan Sub-Mitra Distribusi Bank, Customer Fund Account Administrator Bank (RDN), Payment
SBN Ritel. Tak hanya itu, kemitraan dengan PT Kliring Berjangka Bank, and Sub-Distribution Partner of Retail Government Securities
Indonesia dan Sequis Aset Manajemen memperluas akses (SBN). Moreover, partnerships with PT Kliring Berjangka Indonesia
masyarakat terhadap produk investasi dan pasar berjangka. and Sequis Asset Management have expanded public access to
investment products and futures markets.
Untuk mendukung pelaku usaha dan segmen UMKM, Bank INA To support entrepreneurs and the MSME segment, Bank INA
menghadirkan Tabina Bisnis, tabungan khusus dengan fitur introduced Tabina Bisnis, a special savings account with integrated
pengelolaan keuangan yang terintegrasi. Di sisi lain, peluncuran financial management features. On the other hand, the launch
produk Giro IDR dan layanan Safe Deposit Box memperkuat posisi of the IDR Giro product and Safe Deposit Box services has
Bank INA dalam menyediakan solusi keuangan yang fleksibel dan strengthened Bank INA’s position in providing flexible and secure
aman bagi nasabah individu maupun bisnis. financial solutions for individual and business customers.
Dalam aspek tata kelola dan regulasi, Bank INA mengambil sejumlah In terms of governance and regulation, Bank INA has undertaken a
langkah strategis, antara lain pemenuhan ketentuan Peraturan number of strategic steps, including compliance with the Financial
Otoritas Jasa Keuangan No. 15 Tahun 2024 tentang Integritas Services Authority Regulation No. 15 of 2024 on the Integrity of
Pelaporan Keuangan, penambahan SDM di Departemen AML-CFT, Financial Reporting, addition of Human Resources in the AML-CFT
serta otomasi anction melalui Aplikasi APU-PPT (APUJIARSI). Department, and automation of sanctions through the APU-PPT
Kepatuhan terhadap Undang-Undang No. 27 Tahun 2022 tentang Application (APUJIARSI). Compliance with Law No. 27 of 2022 on
Pelindungan Data Pribadi (UU PDP) juga diimplementasikan Personal Data Protection (PDP Law) has also been implemented
melalui penguatan kebijakan internal. Audit Surveillance through the strengthening of internal policies. The ISO/IEC
ISO/IEC 27001:2022 berhasil dilalui dengan hasil baik, dan 27001:2022 Surveillance Audit was successfully passed with good
pembentukan Tim Tanggap Insiden Siber (CSIRT) yang telah results, and the establishment of the Cyber Incident Response Team
terdaftar di pada Badan Siber dan Sandi Negara (BSSN) (CSIRT), which has been registered with the National Cyber and Crypto
menunjukkan keseriusan Bank dalam memperkuat keamanan Agency (BSSN), reflects the Bank’s seriousness in strengthening
siber. Selain itu, Bank juga telah menyusun Rencana Pemulihan dan cybersecurity. In addition, the Bank has prepared a Bank Recovery
Resolusi Bank sebagai bentuk kesiapan dalam menghadapi krisis. and Resolution Plan as a form of readiness in facing crises.
Didukung oleh 1.187 karyawan di 57 kantor operasional, Bank INA Supported by 1,187 employees in 57 operational offices, Bank INA
terus memperluas jangkauan layanan dan memastikan kualitas continues to expand its service coverage and ensure consistent
pelayanan yang konsisten di seluruh wilayah. Komitmen terhadap service quality across all regions. Commitment to sustainability is
keberlanjutan juga menjadi bagian penting dari strategi bisnis Bank. also an important part of the Bank’s business strategy. During the
Selama tahun 2024, Bank INA menyelenggarakan 195 pelatihan financial year 2024, Bank INA held 195 training sessions attended
yang diikuti oleh 8.100 peserta, menjalankan tiga program sosial by 8,100 participants, carried out three community social programs
kemasyarakatan dengan total investasi sebesar Rp279,98 juta, serta with a total investment of Rp279.98 million, and disbursed
menyalurkan pembiayaan berkelanjutan senilai Rp2.768,28 miliar. sustainable financing amounting to Rp2,768.28 billion. Resource
Efisiensi sumber daya turut menjadi perhatian, dengan penurunan efficiency has also been a focus, with a 28.22% reduction in paper
penggunaan kertas sebesar 28,22% dan peningkatan konsumsi usage and an increase in energy consumption in line with higher
energi sejalan dengan aktivitas operasional yang lebih tinggi. operational activities.
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Berbagai pencapaian ini mendapatkan pengakuan dari berbagai These achievements have been recognized by various independent
lembaga independen, seperti penghargaan Top Digital Innovation dari institutions, such as the Top Digital Innovation award from
The Iconomics, The Best Conventional Bank (KBMI 1) dari Infobank The Iconomics, The Best Conventional Bank (KBMI 1) from Infobank
dan Isentia, serta Gold Award dalam ajang IT & Digital Operational and Isentia, and a Gold Award in the IT & Digital Operational
Excellence dari Economic Review. Pencapaian ini menegaskan posisi Excellence event from Economic Review. These accomplishments
Bank INA sebagai institusi keuangan yang tangguh, inovatif, dan affirm Bank INA’s position as a resilient, innovative financial
berorientasi pada pertumbuhan berkelanjutan. institution focused on sustainable growth.
Prospek Industri Perbankan Tahun 2025 Prospects of the Banking Industry in 2025
Industri perbankan Indonesia menghadapi tahun 2025 dengan Indonesia’s banking industry enters 2025 with optimism alongside
optimisme yang disertai kewaspadaan terhadap dinamika global caution on the global and domestic dynamics. The projected global
dan domestik. Proyeksi pertumbuhan ekonomi global sebesar economic growth of 3.2%[1] is reflecting high uncertainties from
3,2%[1] mencerminkan masih tingginya ketidakpastian akibat geopolitical tensions, trade protectionism, as well as the lingering
ketegangan geopolitik, proteksionisme perdagangan, serta effects of the past Covid-19 pandemic. The United States of
dampak jangka panjang pandemi Covid-19 lalu. Kebijakan fiskal America’s expansionary fiscal policy has also influenced the global
ekspansif Amerika Serikat turut memengaruhi arus modal global, capital flows, stirring up volatility in the financial markets that may
menciptakan volatilitas di pasar keuangan yang dapat berdampak affect the Rupiah exchange rate and domestic monetary stability.
pada nilai tukar Rupiah dan stabilitas moneter domestik. Namun, However, with solid economic fundamentals, Indonesia’s economic
dengan fundamental ekonomi yang solid, proyeksi pertumbuhan growth is maintaining a positive growth outlook within the
ekonomi Indonesia tetap positif di kisaran 5,1%–5,2%[5], didukung 5.1%–5.2%[5] range, supported by strong domestic consumption,
oleh konsumsi domestik yang kuat, peningkatan investasi, serta increased investment, as well as the accommodative monetary
kebijakan moneter akomodatif dari Bank Indonesia. policy from Bank Indonesia.
Dalam lanskap industri perbankan, tren digitalisasi terus In the banking industry landscape, the digitalization trend
mempercepat transformasi layanan keuangan, sejalan dengan continues to accelerate the financial services transformation, in
inisiatif open banking dan meningkatnya adopsi pembayaran digital line with open banking initiative and increasing adoption of digital
melalui QRIS. Sementara itu, pertumbuhan kredit diproyeksikan payment platforms via QRIS. Meanwhile, credit growth is projected
mencapai 11%–13%, lebih tinggi dibandingkan proyeksi tahun to be around 11%–13%, higher than the 2024[10] projection and
2024[10], mencerminkan optimisme terhadap pemulihan ekonomi. signaling optimism in the economic recovery. Other than that,
Di samping itu, tantangan likuiditas dan biaya dana tetap menjadi existing challenges in terms of liquidity and costs of fund remain a
perhatian utama dalam menghadapi persaingan ketat perihal main concern in facing heightened competition for DPK collection.
penghimpunan DPK. Perbankan juga perlu mengantisipasi The banking industry also need to anticipate shifting customer
pergeseran preferensi nasabah dari deposito berjangka ke preferences from time deposits to investment instruments such
instrumen investasi seperti SBN[11], yang dapat memengaruhi as SBN [11], which may impacting the funding strategies and asset
strategi pendanaan dan pengelolaan aset. management approaches.
Sumber: Sources:
[1] Kementerian Keuangan Republik Indonesia. 2024. Ekonomi Indonesia Resilien [1] Ministry of Finance of Republic of Indonesia. (2024). Indonesia’s Economy Resilient
di Tengah Ketidakpastian Global. Media Keuangan. Amidst Global Uncertainties. Financial Media.
[2] MetroTV News. 2025. OECD Ramal Pertumbuhan Ekonomi Global Melempem di 2025. [2] MetroTV News. (2025). OECD Forecasted Sluggish Global Economic Growth in 2025.
[3] Kementerian Keuangan Republik Indonesia. (2024). Perekonomian Indonesia [3] Ministry of Finance of Republic of Indonesia. (2024). Indonesia’s Economy Grows
Tumbuh Kuat dan Stabil Sepanjang 2024. Siaran Pers. Strong and Stable Throughout 2024. Press Release.
[4] Kementerian Perdagangan Republik Indonesia. (2025). Inflasi pada 2024 Terjaga [4] Ministry of Trade of Republic of Indonesia. (2025). Inflation in 2024 Remains Within
dalam Target, Menko Airlangga: Dukung Akselerasi Pertumbuhan Ekonomi Nasional. Target, Minister Airlangga: Supporting the Acceleration of National Economic Growth.
[5] Kementerian Keuangan Republik Indonesia. (2025). Ekonomi Indonesia Diproyeksi [5] Ministry of Finance of Republic of Indonesia. (2025). Indonesia’s Economy Projected to
Akan Kembali Tembus 5 Persen. Media Keuangan. Exceed 5 Percent Growth Again. Financial Media.
[6] Kementerian Keuangan Republik Indonesia. (2024). Stabilitas Sistem Keuangan Tetap [6] Ministry of Finance of the Republic of Indonesia. (2024). Financial System Stability
Terjaga di Tengah Berlanjutnya Dinamika Geopolitik dan Ketidakpastian Ekonomi Remains Intact Amidst Ongoing Geopolitical Dynamics and Global Economic
Global. Siaran Pers. Uncertainties. Press Release.
[7] Kumparan. (2025). OJK: Kredit Perbankan Capai Rp 7.287 Triliun, Naik 10,39 Persen [7] Kumparan. (2025). OJK: Banking Credit Reaches Rp7,287 Trillion, 10.39 Percent
Sepanjang 2024. Increase Throughout 2024.
[8] Kompas.id. (2025). Likuiditas 2025 Masih Menantang, Perbankan Bersiasat. [8] Kompas.id. (2025). Liquidity in 2025 Remains Challenging, Banks Strategize.
[9] CNBC Indonesia. (2025). Kredit Bank Tumbuh 10,93% per Desember 2024, BI Target [9] CNBC Indonesia. (2025). Bank Credit Grows 10.93% as of December 2024, Bank
2025 11-13%. Indonesia Targets 11-13% Growth in 2025.
[10] Perhimpunan Bank Nasional. (2024). Bagaimana Tren Perkembangan Perbankan [10] Indonesian National Banks Association. (2024). What Are the Development Outlook of
Indonesia di Tahun 2025?. Indonesian Banking Industry in 2025?
[11] Bank Central Asia. (2025). Outlook Perbankan 2025: Tahun Penuh Tantangan. [11] Bank Central Asia. (2025). Banking Outlook 2025: A Year Full of Challenges.
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Memasuki tahun 2025, Bank INA tetap fokus pada pertumbuhan Entering 2025, Bank INA remains focused on achieving a sound and
yang sehat dan berkelanjutan dengan memperkuat permodalan, sustainable growth by strengthening its capital base, optimizing
mengoptimalkan strategi penghimpunan dana, serta meningkatkan fund collection strategies, as well as improving efficiency in
efisiensi dalam operasional dan pengelolaan risiko. Digitalisasi operations and risk management. Digitalization is set out to be the
menjadi pilar utama dalam pengembangan layanan, memastikan main pillar in service development, ensuring that the technological
bahwa inovasi teknologi yang diterapkan tidak hanya meningkatkan innovations implemented not only improving accessibility, but also
aksesibilitas, tetapi juga memberikan pengalaman perbankan yang enabling faster, safer, and more convenient banking experiences
lebih cepat, aman, dan nyaman bagi nasabah. Dengan komitmen for the customers. With a strong commitment to continuously
untuk terus beradaptasi terhadap perubahan industri serta menjawab adapting to industry shifts, as well as responding to the dynamic
kebutuhan pasar yang dinamis, Bank INA optimis dapat memperkuat market needs, Bank INA is optimistic to be able to strengthen its
peran dalam mendukung pertumbuhan ekonomi nasional sekaligus role in supporting national economic growth while creating added
menciptakan nilai tambah bagi seluruh pemangku kepentingan. value for all stakeholders.
Penerapan GCG di Bank INA Tahun 2024 Implementation of GCG at Bank INA in 2024
Bank INA berkomitmen untuk menerapkan tata kelola perusahaan Bank INA is committed to consistently implementing good corporate
yang baik (good corporate governance atau GCG) secara konsisten governance (GCG) to strengthen its business fundamentals and
guna memperkuat fundamental bisnis dan menjaga kepercayaan maintaining stakeholder trust. Ethical behavior, accountability,
pemangku kepentingan. Prinsip perilaku beretika, akuntabilitas, transparency, and sustainability are the key principles guiding every
transparansi, serta keberlanjutan menjadi pedoman utama strategic and operational decision made. Bank INA also strengthens
dalam setiap keputusan strategis dan operasional. Bank INA juga its internal control system, coupled with comprehensive risk
memperkuat sistem pengendalian internal serta manajemen management in anticipating business dynamics, ensuring
risiko yang komprehensif untuk mengantisipasi dinamika bisnis, regulatory compliance, as well as maintaining the long-term
memastikan kepatuhan regulasi, serta menjaga stabilitas kinerja performance stability.
jangka panjang.
Sebagai bentuk penyempurnaan berkelanjutan, Bank INA As part of its continuous improvement, Bank INA is implementing
melakukan self-assessment terhadap implementasi GCG dan self-assessment on the GCG implementation and fostering
membangun komunikasi transparan dengan regulator, investor, transparent communication with the regulators, investors, and
dan nasabah. Penerapan GCG yang kuat mendorong Bank INA customers. The implementation of strong GCG has enabled Bank
meraih nilai komposit 2 dalam penilaian GCG tahun 2024, yang INA to achieve a composite score of 2 in the 2024 GCG assessment,
mencerminkan tata kelola yang secara umum baik. Evaluasi ini reflecting a generally good governance. This evaluation becomes
menjadi dasar peningkatan efektivitas tata kelola, sejalan dengan the basis for improving governance effectiveness, in line with
perkembangan regulasi dan praktik terbaik industri perbankan. regulatory developments and best practices in the banking
Dengan menjunjung tinggi nilai-nilai GCG, Bank INA memastikan industry. By upholding GCG values, Bank INA ensures that every
setiap unit kerja dapat melaksanakan tugas dan tanggung jawabnya work unit is able to carry out its duties and responsibilities clearly,
dengan jelas, sesuai pembagian yang telah ditetapkan. in accordance with the established division of duties.
Kinerja Komite di Bawah Direksi Performance of Committees Under
the Board of Directors
Sepanjang tahun 2024, komite-komite di bawah Direksi berperan Throughout 2024, the committees under the Board of Directors
strategis dalam mengarahkan kebijakan dan pengambilan played a strategic role in steering policies and decision-making
keputusan yang selaras dengan prinsip kehati-hatian serta that align with the principles of prudence and sustainable growth.
pertumbuhan berkelanjutan. Komite tersebut meliputi Komite These committees are Risk Management Committee, Credit
Manajemen Risiko, Komite Kredit, Komite Kebijakan Perkreditan, Committee, Credit Policy Committee, Asset and Liability Committee
Komite Aset dan Liabilitas (ALCO), Komite Pengarah Teknologi (ALCO), Information Technology Steering Committee, and Product
Informasi, serta Komite Produk. Evaluasi kinerja yang dilakukan Committee. Performance evaluations are regularly conducted to
secara berkala memastikan efektivitas setiap komite dalam ensure effectiveness of every committee in fulfilling its mandate,
menjalankan mandatnya, sekaligus memperkuat ketahanan and strengthening the operational resilience of Bank INA amidst the
operasional Bank INA di tengah dinamika industri perbankan. dynamics of the banking industry. The growing synergy between
Sinergi yang terjalin antara komite-komite ini tidak hanya these committees not only optimizes corporate governance but
mengoptimalkan tata kelola perusahaan, tetapi juga mengokohkan also cementing Bank INA’s position as a responsible, adaptive,
posisi Bank INA sebagai institusi keuangan yang bertanggung competitive, and sustainability-oriented financial institution.
jawab, adaptif, kompetitif, dan berorientasi pada keberlanjutan.
50 PT Bank Ina Perdana Tbk
Page 53
Laporan Tahunan 2024
2024 Annual Report
Kebijakan Bank INA dalam Pengembangan Bank INA’s Policy on HR, IT, and Infrastructure
SDM, TI, dan Infrastruktur Development
Dalam upaya berkelanjutan untuk memperkukuh landasan In a continuous effort to strengthen its operational foundation,
operasional, Bank INA secara strategis mengintegrasikan Bank INA has strategically integrated the development of Human
pengembangan Sumber Daya Manusia, Teknologi Informasi (TI), Resources, Information Technology (IT), and infrastructure. In the
dan infrastruktur. Pada tataran pengelolaan Sumber Daya Manusia, area of Human Resource management, the Bank actively encourages
Bank secara aktif mendorong optimalisasi peran unit-unit kerja the optimization of strategic work units in accelerating Human
strategis dalam mengakselerasi inisiatif pengembangan Sumber Resource development initiatives derived from banking business
Daya Manusia yang terderivasi dari kebutuhan bisnis perbankan needs and future business projections. This step is internalized
dan proyeksi bisnis ke depannya. Langkah ini terinternalisasi through the strengthening of the organizational structure that
melalui penguatan struktur organisasi yang membawahi oversees essential functions such as Human Resources, Credit,
fungsi-fungsi esensial seperti Sumber Daya Manusia, Kredit, Funding, Banking Digitalization, and Information Technology.
Pendanaan, Digitalisasi Perbankan, dan Teknologi Informasi. Furthermore, the Bank is committed to enhancing internal
Lebih lanjut, Bank berkomitmen untuk meningkatkan kapabilitas capabilities through a series of structured training programs. A
internal melalui serangkaian program pelatihan terstruktur. Alokasi significant budget allocation has been invested to ensure that
anggaran yang signifikan diinvestasikan untuk memastikan setiap every employee has competencies relevant to the increasingly
karyawan memiliki kompetensi yang relevan dengan dinamika complex dynamics of the banking industry. Thus, Bank INA not
industri perbankan yang semakin kompleks. Dengan demikian, only produces competent human capital but also stimulates a work
Bank INA tidak hanya menghasilkan tenaga kerja yang kompeten, culture oriented toward innovation and compliance with applicable
namun juga menstimulasi budaya kerja yang berorientasi pada regulations.
inovasi dan kepatuhan terhadap regulasi yang berlaku.
Pada aspek TI dan infrastruktur, Bank INA terus melakukan Regarding IT and infrastructure, Bank INA continues to modernize
modernisasi dengan memperbarui Rencana Strategis TI serta by updating its IT Strategic Plan and ensuring that operational and
memastikan operasional dan keamanan sistem berjalan optimal. system security functions optimally. The Bank is also developing
Bank juga mengembangkan inisiatif strategis yang mencakup strategic initiatives that include enhancing both traditional and
peningkatan layanan perbankan umum dan digital, optimalisasi digital banking services, optimizing internal processes, and
proses internal, serta penguatan infrastruktur dan sistem strengthening infrastructure and security systems. A comprehensive
keamanan. Panduan komprehensif telah disusun untuk memastikan guide has been established to ensure that planning, operational
perencanaan, pengelolaan operasional, serta pengamanan TI management, and IT security are aligned with strict standards.
berjalan sesuai standar yang ketat. Dengan pendekatan ini, Bank With this approach, Bank INA not only provides broader and more
INA tidak hanya menghadirkan solusi keuangan yang lebih luas efficient financial solutions for customers but also strengthens its
dan efisien bagi nasabah, tetapi juga memperkuat ketahanan siber cyber resilience in facing future industry challenges.
dalam menghadapi tantangan industri ke depan.
Komitmen Bank INA terkait Penerapan Bank INA’s Commitment to Implementing
Keuangan Berkelanjutan Sustainable Finance
Bank INA terus meneguhkan komitmen terhadap keuangan Bank INA continuously reinforcing its commitment toward
berkelanjutan dengan menerapkan berbagai inisiatif strategis sustainable finance by implementing various strategic initiatives
yang mencakup aspek ekonomi, sosial, dan lingkungan. Sejalan that includes economic, social, and environmental aspects. In line
dengan Tujuan Pembangunan Berkelanjutan (TPB), Bank terus with Sustainable Development Goals (SDGs), the Bank continuously
mengembangkan kebijakan serta praktik perbankan berkelanjutan developing policies and sustainable banking practices to create
guna menciptakan nilai jangka panjang bagi seluruh pemangku long-term value for all of the stakeholders. In ensuring effective
kepentingan. Untuk memastikan implementasi yang efektif, implementation, the Bank has established a Sustainable Finance
Bank telah memiliki Tim Rencana Aksi Keuangan Berkelanjutan Action Plan Team (RAKB Team) or Environmental, Social, and
(Tim RAKB) atau Fungsi Lingkungan, Sosial, dan Tata Kelola (LST) Governance (ESG) Function, to be in charge for the development,
yang bertanggung jawab dalam penyusunan, pengelolaan, serta management, and supervision of sustainable finance programs in
pengawasan program keuangan berkelanjutan agar selaras accordance with applicable policies and regulations. To support
dengan kebijakan dan regulasi yang berlaku. Dalam mendukung the capabilities of the team and employees involved, Bank INA
kapabilitas tim dan karyawan yang terlibat, Bank INA secara periodically organizes competency development programs to
berkala menyelenggarakan program pengembangan kompetensi strengthen the understanding and implementation of sustainable
guna memperkuat pemahaman serta penerapan prinsip keuangan finance principles across all of the operational and strategic aspects
berkelanjutan di seluruh aspek operasional dan strategis Bank. of the Bank.
PT Bank Ina Perdana Tbk 51
Page 54
Laporan Manajemen
Management Report
Perubahan Komposisi Anggota Direksi Changes in the Board of Directors’ Composition
Berdasarkan RUPS Luar Biasa pada 15 Maret 2024, Bank INA Based on the Extraordinary GMS on March 15, 2024, Bank INA
mengangkat Ibu Dewi K. Prodjohartono sebagai Direktur Komersial appointed Mrs. Dewi K. Prodjohartono as Director of Commercial
Banking setelah dinyatakan lulus uji kelayakan dan kepatutan Banking after she passed the fit and proper test conducted by the
(fit and proper test) oleh Otoritas Jasa Keuangan (OJK) pada 7 Financial Services Authority (OJK) on May 7, 2024. Subsequently,
Mei 2024. Selanjutnya, melalui RUPS Tahunan pada 20 Juni 2024, through Annual GMS on June 20, 2024, the Bank reappointed all
Bank menetapkan kembali seluruh anggota Direksi Bank INA members of the Board of Directors of Bank INA, with the following
dengan susunan sebagai berikut. composition.
Nama Jabatan
Name Position
Direktur Utama
Henry Koenaifi
President Director
Wakil Direktur Utama
Yulius Purnama Junaedi
Vice President Director
Direktur Keuangan
Kiung Hui Ngo
Director of Finance
Direktur Manajemen Risiko dan Kepatuhan
Adhiputra Tanoyo
Director of Risk Management and Compliance
Direktur Bisnis Retail dan Jaringan
Yandy Ramadhani
Director of Retail Business and Network
Direktur Komersial Banking
Dewi K. Prodjohartono
Director of Commercial Banking
Penutup Closing
Keberhasilan Bank INA dalam melalui tahun 2024 tidak terlepas dari The success of Bank INA in navigating through 2024 is a result of the
sinergi dan dedikasi seluruh jajaran manajemen, karyawan, serta synergy and dedication of the entire management team, employees,
dukungan penuh dari Dewan Komisaris, Pemegang Saham, dan para as well as the full support provided by the Board of Commissioners,
pemangku kepentingan. Demikian pula kepercayaan yang diberikan Shareholders, and the stakeholders. Similarly, the trust bestowed by
oleh nasabah dan mitra bisnis turut menjadi fondasi bagi Bank our customers and business partners has been a foundation for the
untuk terus bertumbuh dan berinovasi di tengah dinamika industri Bank to continue growing and innovating amidst the dynamics of
perbankan. Karenanya, Direksi berterima kasih dan menyampaikan the banking industry. Therefore, the Board of Directors would like to
apresiasi yang setinggi-tingginya atas komitmen, kerja keras, dan express its gratitude and highest appreciation for the commitment,
kolaborasi yang telah terjalin hingga saat ini. Ke depannya, Bank hard work, and collaboration that have been established thus far.
INA akan terus memperkuat fundamental bisnis, meningkatkan Moving forward, Bank INA will keep on strengthening its business
layanan, dan mengoptimalkan peluang demi menciptakan nilai fundamentals, improving its services, and optimizing opportunities
berkelanjutan bagi seluruh pemangku kepentingan. to create sustainable value for all of the stakeholders.
Atas nama Direksi
On behalf of the Board of Directors
PT BANK INA PERDANA TBK,
Henry Koenaifi
Direktur Utama
President Director
52 PT Bank Ina Perdana Tbk
Page 55
Tanggung Jawab Laporan Tahunan [POJK51-G.2]
Annual Report Responsibility
Surat Pernyataan Anggota Dewan Komisaris dan Anggota Direksi
tentang Tanggung Jawab Atas Laporan Tahunan 2024
PT Bank Ina Perdana Tbk
Statement of Members of the Board of Commissioners and the Board of Directors
on the Responsibility for the 2024 Annual Report of
PT Bank Ina Perdana Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information in
semua informasi dalam Laporan Tahunan PT Bank Ina Perdana Tbk the Annual Report of PT Bank Ina Perdana Tbk for year 2024
tahun 2024 telah dimuat secara lengkap dan bertanggung jawab has been fully contained and we shall be fully responsible to
penuh atas kebenaran isi Laporan Tahunan Bank. the correctness of contents in the Annual Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, April 2025
Dewan Komisaris
Board of Commissioners
Inawaty Handojo
Komisaris Utama Independen
Yohanes Santoso Wibowo Independent President Commissioner Josavia Rachman Ichwan
Komisaris Independen Komisaris
Independent Commissioner Commissioner
Direksi
Board of Directors
Henry Koenaifi
Direktur Utama
Yulius Purnama Junaedi President Director
Kiung Hui Ngo
Wakil Direktur Utama Direktur Keuangan
Vice President Director Director of Finance
Adhiputra Tanoyo Yandy Ramadhani Dewi K. Prodjohartono
Direktur Manajemen Risiko dan Kepatuhan Direktur Bisnis Retail dan Jaringan Direktur Komersial Banking
Director of Risk Management and Compliance Director of Retail Business and Network Director of Commercial Banking
PT Bank Ina Perdana Tbk 53
Page 56
Dewan Komisaris
Board of Commissioners
2 1 3
1. Inawaty Handojo 2. Yohanes Santoso Wibowo 3. Josavia Rachman Ichwan
Komisaris Utama Independen Komisaris Independen Komisaris
Independent President Commissioner Independent Commissioner Commissioner
54 PT Bank Ina Perdana Tbk
Page 57
Direksi
Board of Directors
5 6 2 1 3 4
1. Henry Koenaifi 4. Adhiputra Tanoyo
Direktur Utama Direktur Manajemen Risiko dan Kepatuhan
President Director Director of Risk Management and Compliance
2. Yulius Purnama Junaedi 5. Yandy Ramadhani
Wakil Direktur Utama Direktur Bisnis Retail dan Jaringan
Vice President Director Director of Retail Business and Network
3. Kiung Hui Ngo 6. Dewi K. Prodjohartono
Direktur Keuangan Direktur Komersial Banking
Director of Finance Director of Commercial Banking
PT Bank Ina Perdana Tbk 55
Page 58
PROFIL PERUSAHAAN 56 PT Bank Ina Perdana Tbk
Page 59
Company Profile
PT Bank Ina Perdana Tbk 57
Page 60
Profil Perusahaan
Company Profile
Riwayat Singkat
Brief History
PT Bank Ina Perdana Tbk (Bank INA atau Bank) didirikan pada PT Bank Ina Perdana Tbk (Bank INA or the Bank) was established
9 Februari 1990 dan mulai beroperasi secara komersial setelah on February 9, 1990, and commenced its commercial operations
memperoleh izin dari Kementerian Keuangan pada 3 Juni 1991. after obtaining a license from the Ministry of Finance on June 3,
Sejak awal beroperasi, Bank INA terus memperluas jaringan kantor 1991. Since its inception, Bank INA has continuously expanded its
di berbagai kota di Pulau Jawa dan bergabung dengan jaringan branch network across various cities in Java and joined the ATM
ATM Bersama untuk meningkatkan akses layanan perbankan. Bersama network to enhance banking service accessibility. As part
Sebagai bagian dari strategi penguatan modal dan ekspansi bisnis, of its capital strengthening and business expansion strategy, Bank
Bank INA mencatatkan sahamnya di Bursa Efek Indonesia melalui INA listed its shares on the Indonesia Stock Exchange (IDX) through
penawaran umum perdana (IPO) pada 16 Januari 2014. an initial public offering (IPO) on January 16, 2014.
Seiring dengan perkembangan industri keuangan, Bank INA terus In line with developments in the financial industry, Bank INA
beradaptasi dengan perubahan kebutuhan nasabah dan tren continues to adapt to changing customer needs and banking
digitalisasi perbankan. Bank telah meluncurkan berbagai layanan digitalization trends. The Bank has introduced various innovative
inovatif, termasuk INA Virtual Account, INA Electronic Data Capture services, including INA Virtual Account, INA Electronic Data
(INA EDC), Mobile Banking, serta Internet Banking untuk individu Capture (INA EDC), Mobile Banking, and Internet Banking for both
dan bisnis. Pada tahun 2023, Bank meluncurkan Layanan Digital individual and business customers. In 2023, the Bank launched
yang dirancang khusus untuk usaha mikro, kecil, dan menengah a Digital Services Platform specifically designed for micro, small,
(UMKM) guna mempermudah akses pembiayaan serta mendukung and medium enterprises (MSMEs) to facilitate financing access and
pertumbuhan sektor usaha kecil di Indonesia. support the growth of Indonesia’s small business sector.
Sepanjang tahun 2024, Bank INA menunjukkan komitmennya Throughout 2024, Bank INA demonstrated its commitment to
dalam menyediakan solusi keuangan yang relevan dan adaptif providing financial solutions that are relevant and adaptive to
terhadap kebutuhan nasabah. Melalui peluncuran berbagai produk customer needs. Through the launch of various strategic products
dan layanan strategis, Bank INA memperkuat posisi sebagai mitra and services, Bank INA strengthened its position as a reliable
keuangan yang andal, dan dapat diandalkan untuk menjadi solusi financial partner, dependable for being its customers’ financial
keuangan nasabahnya. solution.
Sebagai bagian dari langkah ekspansi layanan, Bank INA menjalin As part of its service expansion efforts, Bank INA established
kerja sama dengan PT Kliring Berjangka Indonesia sebagai Bank cooperation with PT Kliring Berjangka Indonesia as the Margin
Penyimpan Dana Margin, memperluas peran Bank INA dalam Fund Depository Bank, expanding Bank INA’s role in supporting the
mendukung ekosistem pasar berjangka nasional. Selain itu, Bank national futures market ecosystem. In addition, Bank INA was also
INA juga dipercaya sebagai Bank Administrator Rekening Dana entrusted as the Customer Fund Account (RDN) Administrator Bank
Nasabah (RDN) dan Bank Pembayaran, memperkuat kehadiran and Settlement Bank, strengthening Bank INA’s presence in the
Bank INA dalam system transaksi pasar modal. capital market transaction system.
Bank INA juga mengambil bagian secara aktif dalam mendukung Bank INA also actively participated in supporting government
program pemerintah dengan menjadi Sub-Mitra Distribusi Surat programs by becoming a Sub-Distribution Partner for Retail
Berharga Negara (SBN) Ritel, memberikan akses yang lebih Government Securities (SBN), providing broader public access to
luas kepada masyarakat untuk berinvestasi secara aman dan safe and profitable investments. Furthermore, through strategic
menguntungkan. Tak hanya itu, melalui kolaborasi strategis dengan collaboration with Sequis Asset Management, Bank INA began
Sequis Aset Manajemen, Bank INA mulai memasarkan produk marketing Mutual Fund products, offering diverse and easily
Reksa Dana, memberika pilihan investasi yang beragam dan mudah accessible investment options for customers.
diakses bagi nasabah.
Memahami kebutuhan segmen wirausaha yang terus berkembang, Understanding the growing needs of the entrepreneurial segment,
Bank INA meluncurkan Tabina Bisnis, tabungan khusus untuk Bank INA launched Tabina Bisnis, a special savings account for
pelaku bisnis dan usaha dengan berbagai keunggulan, termasuk business players and entrepreneurs featuring various advantages,
suku bunga menarik serta fitur pengelolaan keuangan bisnis yang including attractive interest rates and integrated business financial
terintegrasi. Produk ini menjadi bukti nyata komitmen Bank INA management features. This product is a tangible proof of Bank INA’s
dalam mendukung perkembangan bisnis nasabahnya. Selain itu, commitment to supporting the business growth of its customers.
peluncuran Giro IDR juga melengkapi produk untuk memberikan Additionally, the launch of Giro IDR complements the product
fleksibilitas dalam pengelolaan dana bisnis individu dan korporat. lineup to provide flexibility in managing individual and corporate
Sementara itu untuk menjawab kebutuhan keamanan aset business funds. Meanwhile, to address the security needs for
berharga nasabah, Bank INA juga memiliki layanan Safe Deposit customers’ valuable assets, Bank INA also offers Safe Deposit Box
Box dengan standar keamanan tinggi. services with high-security standards.
58 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Bank INA juga telah dipercaya sebagai Bank Persepsi, untuk Bank INA has also been entrusted as a Collection Bank, providing
menyediakan layanan penerimaan negara termasuk pajak, state revenue reception services including taxes, customs duties,
bea cukai, penerimaan Negara Bukan Pajak (PNBP), pembelian Non-Tax State Revenue (PNBP), Retail Government Securities (SBN)
Surat Berharga Negara (SBN), serta penerimaan lainnya. Bank purchases, and other state receipts. Bank INA now serves state
INA kini melayani pembayaran penerimaan negara melalui teller revenue payments through tellers at all branch offices, as well as
di seluruh kantor cabang, serta secara digital melalui Internet digitally via Internet Banking and Mobile Banking, strengthening its
Banking dan Mobile Banking, memperkuat posisinya dalam position in the national financial ecosystem.
ekosistem keuangan nasional.
Bank INA juga mengambil peran penting sebagai Bank Kustodian, Bank INA also plays an important role as a Custodian Bank,
memperkuat infrastruktur layanan investasi bagi investor institusi strengthening investment service infrastructure for institutional
dan individu. Selain itu Bank INA juga berkomitmen untuk and individual investors. Furthermore, Bank INA is committed to
mendorong pertumbuhan bisnis yang berkelanjutan. Bank aktif promoting sustainable business growth. The Bank actively supports
dalam mendukung pembiayaan hijau serta kegiatan usaha ramah green financing and environmentally friendly business activities for
lingkungan bagi nasabah korporat. Dengan mengedepankan corporate customers. By prioritizing a balance between economic,
keseimbangan antara aspek ekonomi, sosial, lingkungan, Bank social, and environmental aspects, Bank INA continues striving
INA terus berupaya memberikan dampak positif bagi nasabah, to provide a positive impact for customers, communities, and
komunitas, serta pembangunan berkelanjutan di Indonesia. sustainable development in Indonesia.
Selain memperluas kapabilitas digital dan menjalankan perannya In addition to expanding its digital capabilities and fulfilling its
sebagai Bank Persepsi, Bank INA juga berkomitmen untuk role as a Collection Bank, Bank INA is committed to promoting
mendorong pertumbuhan bisnis yang berkelanjutan. Bank aktif sustainable business growth. The Bank actively supports green
dalam mendukung pembiayaan hijau serta kegiatan usaha yang financing and environmentally friendly business initiatives for
ramah lingkungan bagi nasabah korporat. Dengan mengedepankan corporate clients. By prioritizing a balance between economic,
keseimbangan antara aspek ekonomi, sosial, dan lingkungan, social, and environmental aspects, Bank INA strives to create a
Bank INA terus berupaya memberikan dampak positif bagi nasabah, positive impact on customers, communities, and sustainable
komunitas, serta pembangunan berkelanjutan di Indonesia. development in Indonesia.
Perubahan Organisasi Bersifat Signifikan Significant Organizational Change
[POJK51-C.6] [POJK51-C.6]
Pada tahun 2024, Bank INA membuka KC Melawai Jakarta Selatan, In 2024, Bank INA opened Branch Offices in Melawai, South Jakarta;
KC Pantai Indah Kapuk Jakarta Utara, KC Bogor, dan KC Bukit Darmo Pantai Indah Kapuk, North Jakarta; Bogor; and Bukit Darmo, Surabaya.
Surabaya. Selain kantor cabang, Bank INA juga membuka kantor Other than branch offices, Bank INA also opened sub-branch offices,
cabang pembantu, yaitu KCP Sunter Jakarta Utara, KCP Bumi namely KCP Sunter North Jakarta, KCP Bumi Serpong Damai
Serpong Damai Tangerang Selatan, dan KCP Pondok Indah Jakarta South Tangerang, and KCP Pondok Indah South Jakarta. Bank INA
Selatan. Selain itu, Bank INA juga meresmikan KC Dago Bandung also inaugurated KC Dago Bandung to substitute KC Bandung on
sebagai pengganti KC Bandung di Jl. Gatot Subroto No. 47B, Jl. Gatot Subroto No. 47B, which is now KCP Gatot Subroto Bandung.
yang kini menjadi KCP Gatot Subroto Bandung.
PT Bank Ina Perdana Tbk 59
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Profil Perusahaan
Company Profile
Jejak Langkah
Milestones
1990 2017
Bank INA berdiri pada tanggal 9 Februari 1990. • Melakukan Penawaran Umum Terbatas (PUT) II;
Bank INA was established on February 9, 1990. • Peningkatan modal Bank sebesar 155,28% atau
Rp1.160,16 miliar;
• Menjadi Bank dengan Kategori BUKU II; serta
1991 • Melakukan pembukaan 3 kantor cabang di Denpasar,
Makassar, dan Malang, serta 4 payment point di Indogrosir
Mendapat izin operasional sebagai Bank Umum dari
Cipinang, Bandung, Semarang, dan Bintara.
Kementerian Keuangan.
• Conduct Limited Public Offering (PUT) II;
Obtain an operational license as a Commercial Bank from
• Increase in Bank capital by 155.28% or Rp1,160.16 billion;
the Ministry of Finance.
• Become a Bank with BUKU II Category; and
• Open 3 branch offices in Denpasar, Makassar, and Malang,
2008 as well as 4 payment points at Indogrosir Cipinang, Bandung,
Semarang, and Bintara.
Bergabung dengan ATM Bersama.
Join ATM Bersama.
2018
2009 • Mulai mengaktifkan sejumlah aplikasi dan fitur berbasis digital;
• Meluncurkan Call INA;
Memperluas jaringan kantor di Bandung, Surabaya, dan Jakarta. • Meluncurkan pelayanan e-statement rekening koran
Expand office network in Bandung, Surabaya, and Jakarta. kepada nasabah;
• Mengimplementasikan SMS Broadcast/SMS Blast;
• Menempatkan 11 unit mesin electronic data capture (EDC)
2010 di beberapa cabang Indogrosir;
• Mendapat izin debit Gerbang Pembayaran Nasional (GPN)
Menambah jaringan kantor di Yogyakarta, Semarang, dan Solo.
dari Bank Indonesia sebagai issuer dan acquirer untuk
Add office network in Yogyakarta, Semarang, and Solo.
transaksi kartu di jaringan GPN; serta
• Meluncurkan peremajaan ATM di seluruh cabang dengan ATM
2011 yang telah berbasis National Standard Indonesian Chip Card
Specification (NSICCS).
Telah memiliki 22 kantor di seluruh Indonesia. • Start activating a number of digital-based applications
Already have 22 offices throughout Indonesia. and features;
• Launch Call INA;
• Launch e-statement of checking accounts for customers;
2014 • Implement SMS Broadcast/SMS Blast;
• Place 11 units of the electronic data capture (EDC) machine in
Pencatatan perdana saham tanggal 16 Januari 2014.
several Indogrosir branches;
Initial listing of shares on January 16, 2014.
• Obtain a National Payment Gate (GPN) debit permit from
Bank Indonesia as issuer and acquirer for card transactions
2016 on the GPN network; and
• Launch ATM rejuvenation in all branches with ATMs that
• Memperoleh penambahan modal disetor sebesar have been based on National Standard Indonesian Chip Card
Rp62.500.000.000,- sehingga modal disetor menjadi Specification (NSICCS).
Rp272.500.000.000,-; serta
• Menambah 3 payment point di Indogrosir Kemayoran,
Indogrosir Surabaya, dan Indogrosir Tangerang. 2019
• Obtain additional paid-in capital of Rp62,500,000,000,
Pembukaan Kantor Kas Indogrosir Karawang.
thereby the paid-up capital became Rp272,500,000,000; and
Open of Indogrosir Karawang Cash Office.
• Add 3 payment points at Indogrosir Kemayoran, Indogrosir
Surabaya, and Indogrosir Tangerang.
1990-2016 2017-2019
60 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
2020 2024
Menjadi Bank Devisa dengan Surat No. KEP-87/D.03/2020
tanggal 16 Juli 2020.
• Peresmian Kantor Cabang (KC) Melawai
Become a Foreign Exchange Bank with Letter Jakarta Selatan, KC Puri Jakarta Barat,
No. KEP-87/D.03/2020 dated July 16, 2020. KC Pantai Indah Kapuk, KC Bogor,
KC Dago Bandung, KC Bukit Darmo Surabaya,
2021 KCP Gatot Subroto, KCP Sunter, KCP Bumi
Serpong Damai, dan KCP Pondok Indah.
• Melakukan Penawaran Umum Terbatas (PUT) III; serta Di samping itu, Bank menutup KCP UKI
• Pembentukan Direktorat Digital Banking untuk mengelola dan dan KCP Kota Bukit Indah;
menghadirkan layanan perbankan digital bagi nasabah ritel • Bank INA menjadi Bank Persepsi;
dan UMKM, memberikan produk dan pengalaman perbankan • Peluncuran Layanan Pembelian SBN Ritel
yang lebih baik, serta memperluas akses layanan keuangan di Pasar Perdana;
bagi masyarakat luas. • Kerja sama Bank INA dengan Kota Podomoro
Tenjo;
• Conduct Limited Public Offering (PUT) III; and
• Kerja sama Bank INA dengan KSEI sebagai
• Establish the Directorate of Digital Banking to manage
Bank Administrator RDN - Bank Pembayaran
and provide digital banking services for retail and MSME
periode 2024-2029;
customers, provide better banking products and experiences,
• Peluncuran layanan API Binadigital
and expand access to financial services for the wider community.
di bulan Maret;
• Peluncuran fitur kartu ATM/Debit Binadigital;
2022 • Bank INA sebagai Penyimpan Dana Margin;
• Peluncuran Setor Tunai Indomaret;
Melakukan Penawaran Umum Terbatas (PUT) IV dalam rangka • Bank INA telah teregistrasi oleh Badan Siber
penerbitan Hak Memesan Efek Terlebih Dahulu (HMETD) kepada dan Sandi Negara (BSSN) sebagai Tim Tanggap
para Pemegang Saham. Insiden Siber; serta
Conduct the Limited Public Offering (PUT) IV in order to issue • Bank INA sebagai Bank Kustodian.
Pre-emptive Rights (HMETD) to Shareholders. • Inauguration of Branch Office (KC) Melawai South
Jakarta, KC Puri West Jakarta,
2023 KC Pantai Indah Kapuk,
KC Bogor, KC Dago Bandung, KC Bukit Darmo
• Pembukaan Kantor Cabang (KC) Tegal dan Kantor Cabang Surabaya, KCP Gatot Subroto, KCP Sunter,
Pembantu (KCP) Indogrosir di Sukabumi; KCP Bumi Serpong Damai, and KCP Pondok
• Peningkatan status KCP Indogrosir Cipinang dan Indah. The Bank also closed KCP UKI and
KC Kelapa Gading; serta KCP Kota Bukit Indah;
• Peluncuran produk baru, yakni Tabina QRIS, Tabungan Devisa • Bank INA appointed as a Collection Bank;
Hasil Ekspor Sumber Daya Alam (DHE SDA), Tabungan DHE SDA • Launch of Retail SBN Purchase Services in
Valas, Giro DHE SDA, Giro DHES SDA Valas, serta Layanan Digital the Primary Market;
berupa produk Aplikasi Bina, Pinjaman Digital Bina (modal usaha • Collaboration between Bank INA and Kota
untuk UMKM dan penyaluran Loan Channeling), dan Agen Bina. Podomoro Tenjo;
• Open of Tegal Branch Office (KC) and Indogrosir • Bank INA’ s collaboration with KSEI as
Sub-Branch Office (KCP) in Sukabumi; the RDN Administrator Bank - Payment Bank
• Upgrade the status of KCP Indogrosir Cipinang and for 2024-2029 period;
KC Kelapa Gading; and • Launch of Binadigital API Service in March;
• Launch new products, namely Tabina QRIS, Savings for Foreign • Launch of Binadigital ATM/Debit Card Feature;
Exchange of Natural Resources Export Proceeds (DHE SDA), • Bank INA as Margin Fund Depository Bank;
Savings for DHE SDA Forex, Giro DHE SDA, Giro DHES SDA Forex, • Launch of Cash Deposit at Indomaret;
and Digital Services in the form of Bina Application products, • Bank INA has been registered by the National
Bina Digital Loans (business capital for MSMEs and Loan Cyber and Crypto Agency (BSSN) as a Cyber
Channeling), and Bina Agents. Incident Response Team; as well
• as Bank INA as a Custodian Bank.
2020-2023 2024
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Profil Perusahaan
Company Profile
Visi dan Misi [POJK51-C.1]
Vision and Mission
VISI VISION
“Menjadi Bank nasional pilihan
utama masyarakat.“
“ To become the people’s first
choice of national bank.“
Pernyataan Persetujuan atas Visi dan Misi Bank:
Visi dan Misi Bank telah disetujui oleh
Direksi melalui Surat Keputusan
No. SK/DIR/040A/1021 tanggal 15 Oktober 2021.
Statement of Approval on the Bank’s Vision and Mission:
The Bank’s Vision and Mission were approved
by the Board of Directors through Decree
No. SK/DIR/040A/1021 dated October 15, 2021.
Nilai Dasar
Perusahaan
Corporate Values
[POJK51-C.1]
INTEGRITY NIMBLE
Memiliki kejujuran dan etika, Bekerja gesit dan cekatan dengan
menjunjung teguh apa yang penuh keahlian di bidangnya.
menjadi komitmen dan
melaksanakan secara konsisten
dengan penuh tanggung jawab
atas janji yang diberikan.
Have honesty and ethics, uphold Work agile and nimble with full
what is a commitment and expertise in their field.
carry out consistently with full
responsibility for the promises
made.
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MISI MISSION
Menunjang perekonomian Indonesia, melalui penyediaan produk dan layanan
perbankan umum serta digital yang mendukung keberhasilan nasabah individu,
UMKM, dan Korporasi.
To support the Indonesian economy, through the provision of general and digital
banking products and services that support the success of individual customers,
MSMEs, and Corporations.
Memberikan solusi keuangan yang cepat, aman, dan nyaman.
To provide fast, safe, and convenient financial solutions.
Membangun SDM yang kompeten serta menjunjung tinggi Nilai Dasar Perusahaan.
To build competent human resources and uphold the Company’s Basic Values.
Meningkatkan nilai tambah bagi Pemegang Saham dan pemangku kepentingan lainnya.
To increase added value for Shareholders and other stakeholders.
ACCOUNTABLE PROGRESSIVE PROFESSIONAL
Ikut mempertanggungjawabkan Berusaha untuk sebuah Memahami dan mampu
atas penugasan baik terhadap kemajuan yang berkelanjutan melaksanakan tugas secara
diri sendiri maupun aksi dari agar memberikan hal-hal yang mumpuni serta bertanggung
keputusan organisasi secara lebih baik. jawab untuk menyelesaikan
menyeluruh. masalah yang dihadapi dengan
komitmen tinggi, tekun, dan
disiplin.
Take responsibility for Strive for continuous Understand and be able to carry
assignments both personally improvement to deliver better out tasks in a qualified and
and for the actions resulting outcomes. responsible manner to solve
from organizational decisions in problems encountered with high
overall. commitment, diligence, and
discipline.
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Profil Perusahaan
Company Profile
Bidang Usaha [POJK51-C.4]
Field of Business
Kegiatan Usaha Bank INA berpedoman pada Pasal 3 Ayat 1 Anggaran Bank INA’s business activities are guided by Article 3, Paragraph 1
Dasar Perusahaan sebagaimana tercantum dalam Akta No. 31 of the Company’s Articles of Association, as stated in Deed No. 31
tanggal 9 September 2013. dated September 9, 2013.
Kegiatan Usaha yang Dijalankan pada
Tahun 2024
Kegiatan Usaha Berdasarkan Anggaran Dasar Terakhir Business Activities Undertaken in 2024
Business Activities Based on the Latest Articles of Association
Sudah Dijalankan Belum Dijalankan
Already Executed Not Yet Executed
Menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro, deposito berjangka, sertifikat
deposito, tabungan, dan/atau bentuk lainnya yang disamakan dengan itu.
Collecting funds from the public in the form of deposits namely demand deposits, time deposits,
certificates of deposit, savings, and/or other similar forms.
Memberikan kredit.
Providing loans.
Menerbitkan surat pengakuan utang.
Issuing debt acknowledgment letter.
Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk kepentingan dan/atau perintah nasabah.
Buying, selling, or guaranteeing at own risk or for the benefit and/or orders of customers.
• Surat-surat wesel termasuk wesel yang diakseptasi oleh Bank yang masa berlakunya tidak lebih lama
dari pada kebiasaan dalam perdagangan surat-surat di maksud;
Bills of exchange including money orders accepted by the Bank whose validity period is no longer than
the custom in trading of such letters;
• Surat pengakuan utang dan kertas dagang lainnya yang masa berlakunya tidak lebih lama dari
kebiasaan dalam perdagangan surat-surat di maksud;
Debt acknowledgment letters and other trade papers whose validity period is no longer than the custom
in trading the said papers;
• Kertas perbendaharaan negara dan surat jaminan negara;
National treasury papers and national guarantee letters;
• Sertifikat Bank Indonesia (SBI);
Bank Indonesia Certificates (SBI);
• Obligasi;
Bond;
• Surat dagang berjangka waktu sesuai dengan peraturan perundang-undangan yang berlaku; serta
Trade letters with a maturity in accordance with the applicable laws and regulations; and
• Surat berharga lain yang berjangka waktu sesuai dengan peraturan perundang-undangan yang berlaku.
Other securities with a maturity in accordance with the applicable laws and regulations.
Memindahkan uang baik untuk kepentingan sendiri maupun untuk kepentingan nasabah.
Transferring money both for its own interests and for the benefit of customers.
Menempatkan dana pada, meminjam dari, atau meminjamkan dana kepada bank lain, baik dengan
menggunakan surat, sarana telekomunikasi, maupun dengan wesel unjuk, cek, atau sarana lainnya.
Placing funds at, borrowing from, or lending funds to other banks, either by using letters, telecommunications
facilities, or by money orders, checks, or other means.
Menerima pembayaran dari tagihan atas surat berharga dan melakukan perhitungan dengan/atau antara
pihak ketiga.
Receiving payments from bills on securities and performing calculations with/or between third parties.
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Kegiatan Usaha yang Dijalankan pada
Tahun 2024
Kegiatan Usaha Berdasarkan Anggaran Dasar Terakhir Business Activities Undertaken in 2024
Business Activities Based on the Latest Articles of Association
Sudah Dijalankan Belum Dijalankan
Already Executed Not Yet Executed
Menyediakan tempat untuk menyimpan barang dan surat berharga.
Providing a place to store valuables and documents.
Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu kontrak.
Carrying out custodial activities for the benefit of other parties based on a contract.
Melakukan penempatan dana dari nasabah kepada nasabah lainnya dalam surat berharga yang tidak
tercatat di bursa efek.
Placing funds from customers to other customers in securities that are not listed on the stock exchange.
Membeli agunan, baik semua maupun sebagian, melalui pelelangan atau dengan cara lain dalam hal
debitur tidak memenuhi kewajibannya kepada Bank, dengan ketentuan agunan yang dibeli tersebut wajib
dicairkan secepatnya.
Buying collateral, either in whole or in part, through an auction or in other ways if the debtor does not fulfill
his obligations to the Bank, provided that the collateral purchased must be disbursed as soon as possible.
Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali amanat.
Performing factoring activities, credit card business, and trustee activities.
Menyediakan pembiayaan dan/atau melakukan kegiatan lain berdasarkan prinsip syariah, sesuai dengan
ketentuan yang ditetapkan oleh yang berwenang.
Provide financing and/or carry out other activities based on sharia principles, in accordance with the
provisions stipulated by the authorities.
Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang ditetapkan oleh yang
berwenang.
Carrying out activities in foreign currency by fulfilling the conditions set by the authorities.
Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain di bidang keuangan, seperti
sewa guna usaha, modal ventura, perusahaan efek, asuransi, serta lembaga kliring penyelesaian dan
penyimpanan, dengan memenuhi ketentuan yang ditetapkan oleh yang berwenang.
Carrying out equity participation activities in banks or other companies in the financial sector, such as
leasing, venture capital, securities companies, insurance, as well as settlement clearing and depository
institutions, by fulfilling the conditions set by the authorities.
Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat kegagalan kredit atau kegagalan
pembiayaan berdasarkan prinsip syariah, dengan syarat harus menarik kembali penyertaannya, dengan
memenuhi ketentuan yang ditetapkan oleh yang berwenang.
Carrying out temporary capital participation activities to overcome the consequences of credit failure
or financing failure based on sharia principles, with the condition that participation must be withdrawn,
by fulfilling the provisions set by the authorities.
Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun sesuai dengan ketentuan dalam
peraturan perundang-undangan dana pensiun yang berlaku.
Acting as the founder of the pension fund and administrator of the pension fund in accordance with the
provisions of the applicable pension fund laws and regulations.
Melakukan kegiatan lain yang lazim dilakukan oleh bank sepanjang tidak bertentangan dengan peraturan
perundang-undangan yang berlaku.
Carrying out other activities commonly carried out by banks if they do not conflict with the applicable laws
and regulations.
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Profil Perusahaan
Company Profile
Produk dan Jasa [POJK51-C.4]
Products and Services
Penghimpunan Dana
Funding
Tabina Perdana Tabungan dengan tingkat suku bunga menarik, Savings with attractive interest rates, access to Ina Debit
mendapatkan kartu ATM Debit Ina, fasilitas Internet Banking ATM card, facilities of Internet Banking and Mobile Banking,
dan Mobile Banking, serta kemudahan lainnya. along with other benefits.
Tabina Bisnis Tabungan untuk perorangan dan non-perorangan (sesuai Savings accounts for individuals and non-individuals
ketentuan Bank), yang memberikan keuntungan dengan (as per the Bank’s regulations), offering attractive interest
suku bunga yang menarik; mendapatkan kartu ATM Debit rates; access to Ina Debit ATM card, Internet Banking,
Ina, fasilitas Internet Banking, dan Mobile Banking untuk and Mobile Banking for individual customers; along with
nasabah perorangan; serta kemudahan lainnya. other benefits.
Tabina Simpel Tabungan ini dirancang khusus bagi anak dan pelajar guna Savings account is specifically designed for children
menumbuhkan budaya menabung sejak dini. Rekening and students to foster a saving habit from an early age.
tabungan dibuka atas nama anak, dan bagi nasabah Savings accounts are opened under the child’s name, and for
pelajar dengan jenjang minimal SMP atau setara, bisa student customers with a minimum level of junior high school
mendapatkan kartu ATM Debit Ina. or equivalent are eligible to receive an Ina Debit ATM card.
Tabina QRIS Tabungan yang diperuntukkan bagi pemilik merchant Quick A savings account intended for owners of Bank INA’s Quick
Response Code Indonesian Standard (QRIS) Bank INA, tanpa Response Code Indonesian Standard (QRIS) merchants,
biaya admin dan mendapatkan suku bunga yang menarik with no admin fees and offering attractive interest rates, as
serta fasilitas ATM debit INA, Internet Banking, dan Mobile well as access to INA debit ATM facilities, Internet Banking,
Banking. and Mobile Banking.
Tabina Berjangka Program tabungan berjangka untuk masyarakat umum di Term savings program for general public where customers
mana nasabah dapat memilih jangka waktu dan setoran can choose the time period and monthly deposit according
bulanan sesuai dengan tabel yang disiapkan oleh Bank. to the table prepared by the Bank.
TabunganKu Bank juga aktif dalam menyukseskan program pemerintah The Bank is also actively supporting the government’s
untuk memasarkan produk Tabunganku, yang ditujukan program to promote the Tabunganku product, which is
kepada perorangan dengan persyaratan mudah dan ringan designed for individuals with easy and simple requirements
guna menumbuhkan budaya menabung nasional serta to foster a national saving culture and improve public
meningkatkan kesejahteraan masyarakat. welfare.
Tabungan DHE SDA Rekening tabungan untuk eksportir yang ditujukan khusus A savings account for exporters that is specifically intended
untuk menerima devisa hasil ekspor sumber daya alam to receive foreign exchange proceeds from natural resource
(DHE SDA) dalam mata uang Rupiah. exports (DHE SDA) in Rupiah currency.
Deposito Simpanan berjangka yang memberikan keamanan dan Time deposits that provide security and convenience with
kenyamanan dengan tingkat suku bunga kompetitif. competitive interest rates.
Rekening Giro Rekening pendukung usaha yang memberikan Business support account that provides security in daily
keamanan dalam bertransaksi bisnis sehari-hari dengan business transactions using checks and biljet giro. Receive
menggunakan cek dan bilyet giro. Mendapatkan kartu ATM Ina Debit ATM card and Internet Banking and Mobile
Debit Ina, fasilitas Internet Banking dan Mobile Banking Banking facilities for individual customers and Business
untuk nasabah perorangan, serta Internet Banking Bisnis Internet Banking for corporate customers.
untuk nasabah perusahaan.
Giro DHE SDA Rekening giro untuk eksportir yang ditujukan khusus untuk Current account for exporters specifically intended to
menerima devisa hasil ekspor sumber daya alam (DHE SDA) receive foreign exchange proceeds from natural resource
dalam mata uang Rupiah. exports (DHE SDA) in rupiah currency.
Tabina Valas Simpanan valas yang memberikan kemudahan dan Forex savings that provide convenience and benefits,
keuntungan, tersedia dalam 8 mata uang USD, SGD, AUD, available in 8 currencies, namely USD, SGD, AUD, JPY, EUR,
JPY, EUR, HKD, GBP, dan CNY. HKD, GBP, and CNY.
Tabungan DHE SDA Valas Rekening tabungan untuk eksportir yang ditujukan khusus Savings account for exporters specifically intended to
untuk menerima devisa hasil ekspor sumber daya alam receive foreign exchange proceeds from natural resource
(DHE SDA) dalam mata uang USD, SGD, AUD, JPY, EUR, HKD, exports (DHE SDA) in USD, SGD, AUD, JPY, EUR, HKD, GBP,
GBP, dan CNY. and CNY.
Giro Valas Simpanan valas untuk kemudahan dan kelancaran bisnis, Foreign currency current accounts for the ease and
tersedia dalam 8 mata uang USD, SGD, AUD, JPY, EUR, HKD, smoothness of business, available in 8 currencies, namely
GBP, dan CNY. USD, SGD, AUD, JPY, EUR, HKD, GBP, and CNY.
Giro DHE SDA Valas Rekening giro untuk eksportir yang ditujukan khusus untuk Current account for exporters specifically intended to
menerima devisa hasil ekspor sumber daya alam (DHE SDA) receive foreign exchange proceeds from natural resource
dalam mata uang USD, SGD, AUD, JPY, EUR, HKD, GBP, exports (DHE SDA) in USD, SGD, AUD, JPY, EUR, HKD, GBP,
dan CNY. and CNY.
Deposito Valas Simpanan dengan nilai yang pasti dan memberikan rasa Savings with definite value that provide a sense of security,
aman, tersedia 8 dalam mata uang USD, SGD, AUD, JPY, available in 8 currencies, namely USD, SGD, AUD, JPY, EUR,
EUR, HKD, GBP, dan CNY. HKD, GBP, and CNY.
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Tabungan Digital Tabungan dengan tingkat suku bunga menarik yang dibuka Savings account with attractive interest rates, opened
secara online dan dapat dipergunakan untuk melakukan online and enabling easy transactions through the
transaksi dengan mudah melalui aplikasi Binadigital. Binadigital app.
Tabungan Simpanan Tabungan dengan tingkat suku bunga lebih tinggi daripada Savings account with a higher interest rate than the Digital
Tabungan Digital, yang hanya dapat dipergunakan untuk Savings account, designed exclusively for fund deposit
melakukan penyimpanan dana pada aplikasi Binadigital. within the Binadigital app.
Tabina Laku Pandai Tabungan yang dibuka khusus untuk Agen Laku Pandai Savings account specifically opened for Bank INA’s Laku Pandai
Bank INA bertransaksi menggunakan aplikasi Agen Bina. Agents to conduct transactions using the Agen Bina app.
Tabungan Basic Savings Account Tabungan dengan karakteristik khusus untuk mendukung Specialized savings account designed to support financial
(BSA) keuangan inklusif dan hanya dapat dibuka pada Agen Laku inclusion, which can only be opened through Laku Pandai
Pandai melalui aplikasi Agen Bina. Agents via the Agen Bina app.
Deposito Binadigital Simpanan berjangka yang memberikan keamanan dan A time deposit that provides security and convenience with
kenyamanan dengan tingkat suku bunga kompetitif yang competitive interest rates, which can be managed through
dapat dikelola melalui aplikasi Binadigital. the Binadigital application.
Program Promosi
Promotion Program
Tabina Triple Untung Mass Program tabungan untuk nasabah baru dengan hadiah A savings program for new customers with a direct reward
langsung senilai Rp50.000,- untuk pembukaan rekening worth Rp50,000 for opening a Tabina Perdana account with
Tabina Perdana dengan setoran Rp200.000,-. a deposit of Rp200,000.
Tabina Triple Untung Program tabungan dengan hadiah cashback sesuai tabel A savings program with cash back prizes in accordance with
Affluent – Individu nominal penempatan dan jangka waktu hold dana yang the nominal placement table and time to hold funds chosen
dipilih oleh nasabah. by the customer.
Tabina Triple Untung Program tabungan yang dapat diikuti oleh sejumlah A savings program that can be joined by several customers
Kelompok nasabah dalam kelompok tertentu, dengan jenis hadiah in certain groups, with various types of prizes or the same
bervariasi atau hadiah yang sama seperti paket tur dan lain- prizes such as tour packages and others, with placement
lain, dengan penempatan dana dan jangka waktu hold dana of funds and time periods to hold funds in accordance with
sesuai dengan ketentuan yang ditetapkan Bank. the provisions stipulated by the Bank.
Tabina Berjangka Berhadiah Program tabungan berjangka dengan hadiah di muka, A term savings program with prizes in advance, in which
di mana nasabah wajib melakukan penyetoran dana pada customers are required to deposit funds at the beginning
awal pembukaan rekening dan sejumlah dana tertentu of opening an account and a certain amount of funds each
setiap bulannya sampai dengan berakhirnya periode waktu month until the end of the selected time. Prizes, among
yang telah dipilih. Hadiah antara lain gadget, cashback, others gadget, cashback, and others.
dan lain-lain.
Tabina Green Untung Program tabungan berjangka dengan jenis hadiah barang A term savings program with different types of gifts that
yang eco-friendly, seperti mobil listrik, motor listrik, dan are eco-friendly, such as electric cars, electric motorcycles,
lain-lain. Nasabah melakukan setoran awal dan setoran and others. The customer makes an initial deposit and a
bulanan dengan jangka waktu yang dipilih sesuai tabel monthly deposit for a period chosen according to the table
yang ditetapkan oleh Bank. set by the Bank.
Tabina Combo Program bundling Deposito dan Tabungan dengan suku A bundling Program of time deposits and savings at
bunga yang menarik. Penempatan dana dengan komposisi attractive interest rates. Placement of funds with a
70% Deposito dan 30% Tabungan dengan jangka waktu composition of 70% deposits and 30% savings and a term
3 bulan dan 6 bulan. of 3 and 6 months.
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Company Profile
Deposito Cash Reward Program deposito dengan suku bunga menarik dan hadiah A time deposit program with attractive interest rates and
cashback dengan pilihan nominal dan jangka waktu cashback rewards, offering various deposit amounts and
penempatan sesuai tabel yang ditetapkan oleh Bank. placement periods based on the Bank’s established table.
Giro IDR Program giro dengan tiering jasa giro yang menarik dan A demand deposit program with tiered interest rates and
tambahan fasilitas, seperti bebas biaya admin serta bebas additional benefits, such as waived administrative fees and
biaya buku cek/bilyet giro (BG), transaksi Real Time Gross free checkbook/biljet giro (BG) issuance, Real Time Gross
Settlement (RTGS), Lalu Lintas Giro (LLG), dan setoran Settlement (RTGS) transactions, Interbank Clearing System
kliring dengan jumlah sesuai ketentuan Bank. (LLG) transactions, and clearing deposits, subject to the
Bank’s terms.
Tabina Bisnis Tabungan Bisnis memberikan suku bunga khusus dan Tabungan Bisnis features special interest rates and waived
bebas biaya admin untuk 12 bulan pertama. administrative fees for the first 12 months.
Gratis Biaya Transaksi Gratis 20 kali biaya transaksi untuk tarik tunai menggunakan Free 20 times the transaction fee for cash withdrawals using
di ATM dan IBMB kartu ATM Bank INA di ATM Bank lain, dan transaksi a Bank INA ATM card at another bank’s ATM, and payment,
pembayaran dan pembelian melalui Internet Banking dan and purchase transactions via Internet Banking and Mobile
Mobile Banking Bank INA. Banking of Bank INA.
Gratis Biaya Transaksi IBB Gratis biaya transfer online melalui Internet Banking Bisnis Free online transfer fees through Internet Banking business
Bank INA. of Bank INA.
Cashback Transaksi QRIS Cashback 50% (maksimal Rp5.000,-) untuk transaksi QRIS Cashback 50% (maximum Rp5,000) for transactions using
melalui Mobile Banking Bank INA. Maksimum cashback QRIS through Mobile Banking of Bank INA. Maximum
diberikan sebanyak 3 kali transaksi per nasabah per bulan, cashback given is for 3 transactions per customer per month,
dengan kuota maksimal 2.000 transaksi per bulan. with a maximum quota of 2,000 transactions per month.
Gratis Biaya BI-Fast Gratis biaya BI-Fast melalui Internet Banking dan Mobile Free of charge for BI-Fast through Internet Banking and
Banking serta Kantor Cabang Bank INA. Mobile Banking as well as Bank INA’s Branch Offices.
Binadigital - Gratis Biaya Admin Gratis biaya administrasi setiap transaksi pembelian token No administrative fees for electricity token purchases on
Transaksi Token Listrik listrik pada aplikasi Binadigital. the Binadigital app.
Binadigital - Cashback Deposito Buka rekening deposito dengan minimal penempatan Open a time deposit account with a minimum placement
dana sebesar Rp1.000.000,- pada aplikasi Binadigital akan of Rp1,000,000 on the Binadigital app and receive an
mendapatkan tambahan bunga hingga 6,75% per tahun. additional interest rate of up to 6.75% per year.
Binadigital - BINA EXTRA Program menabung di aplikasi Binadigital dengan minimal The savings program in the Binadigital app offers customers
penempatan saldo Rp100.000,- selama 30 hari, nasabah the opportunity to earn 1% annual interest and receive
berkesempatan mendapatkan bunga 1% per tahun dan cashback equivalent to 4.5% per year, by maintaining a
cashback bunga setara 4,5 % per tahun. minimum balance of Rp100,000 for 30 days.
Binadigital - Cashback Transaksi Cashback 25% dengan maksimal Rp5.000,- untuk transaksi Get 25% cashback, up to Rp5,000, for a minimum purchase
QRIS (Juli-Agustus 2024) belanja minimal Rp20.000,- menggunakan QRIS pada of Rp20,000 using QRIS on the Binadigital app. Maximum
aplikasi Binadigital. Maksimum cashback 4 kali per bulan. cashback is available 4 times per month.
Binadigital - Cashback Transaksi Cashback Rp5.000,- untuk transaksi belanja minimal Get Rp5,000 cashback for a minimum purchase of Rp30,000
QRIS (September-November 2024) Rp30.000,- menggunakan QRIS di aplikasi Binadigital. using QRIS on the Binadigital app. Maximum cashback is
Maksimum cashback 4 kali per bulan available 4 times per month.
Binadigital - Cashback Cashback Rp5.000,- untuk transaksi belanja minimal Get Rp5,000 cashback for a minimum purchase of Rp50,000
Transaksi QRIS Rp50.000 menggunakan QRIS di aplikasi Binadigital. using QRIS on the Binadigital app. Maximum cashback is
(Desember 2024- Februari 2025) Maksimum cashback 1 kali per minggu atau 4 kali per bulan available once per week or up to four times per month.
Binadigital - Gratis Admin Gratis biaya admin setor dan tarik tunai di Indomaret. No administrative fees for cash deposits and withdrawals at
Transaksi Setor dan Indomaret.
Tarik Tunai di Indomaret
Binadigital - Gratis Admin Gratis biaya admin setor dan tarik tunai menggunakan No administrative fees for cash deposits and withdrawals
Transaksi Tarik Tunai dengan kartu ATM/Debit Binadigital di mesin ATM mana pun yang using the Binadigital ATM/Debit Card at any ATM registered
Kartu ATM/Debit Binadigital terdaftar di jaringan ATM Bersama dan Prima. in the ATM Bersama and Prima networks.
Jasa Layanan
Services
ATM Debit INA Memberikan kemudahan untuk bertransaksi di semua ATM Providing convenience for transactions at all ATMs and EDC
dan EDC Merchant yang tergabung dalam jaringan gerbang Merchant which are members of the National Payment
pembayaran nasional (GPN), ATM Prima, dan ATM Bersama Gateway network (GPN), ATM Prima, and ATM Bersama
yang tersebar di seluruh Indonesia. which are spread throughout Indonesia.
Layanan Payroll Menyalurkan pembayaran gaji para pegawai bagi Distributing salary payments to employees for the company
perusahaan, serta dapat dilakukan melalui Internet and can be done through Internet Banking business of
Banking Bisnis Bank INA yang memberikan kemudahan dan Bank INA that provides convenience and flexibility to
fleksibilitas kepada perusahaan. companies.
Layanan Pendidikan Pelayanan pembayaran uang sekolah atau uang pendidikan Services for payment of school fees or education fees with
dengan pola kerja sama dengan pihak institusi pendidikan, a pattern of cooperation with educational institutions and
serta dapat dilakukan melalui virtual account. can be done through virtual account.
Layanan Pengambilan Uang Layanan pengambilan uang kepada institusi atau instansi Money withdrawal services to certain institutions or
tertentu. agencies.
ATM Layanan setor dan tarik tunai, serta fitur transaksi lainnya, Cash deposit and withdrawal services, as well as other
seperti transfer, pembelian, pembayaran, dan sebagainya transaction features, such as transfers, purchases, payments,
guna memenuhi kebutuhan nasabah yang dapat diakses 24/7. and so on to meet customer needs which can be accessed 24/7.
Layanan Nasabah Prima Layanan pemberian layanan yang lebih bagi nasabah affluent. Enhanced services for affluent customers.
(Prioritas)
68 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Produk Digital
Digital Products
INA Virtual Account Layanan yang diberikan kepada Nasabah Giro Bank INA Services provided to Bank INA Giro Customers to be able to
untuk dapat membuatkan rekening virtual kepada para create a virtual account to the customers/agent/end user
pelanggan/agent/end user dari nasabah sebagai tujuan from the customer as a payment destination to facilitate
pembayaran guna memudahkan identifikasi. identification.
INA Electronic Data Capture Solusi kemudahan pembayaran bagi merchant dengan Ease of payment solutions for merchant by providing
(Ina EDC) memberikan kemudahan penerimaan pembayaran antar convenience for receiving payments between bank
rekening Bank melalui pemindahan dana secara online dan accounts through direct transfer of funds, online and real
real time. Ina EDC dapat menerima pembayaran melalui time. Ina EDC can accept payments via debit cards issued
kartu debit yang diterbitkan oleh semua Bank di Indonesia by all banks in Indonesia bearing the National Payment
yang berlogo Gerbang Pembayaran Nasional (GPN). Gateway (GPN) logo.
Ina Mobile Banking Layanan transaksi perbankan untuk memenuhi kebutuhan Banking transaction services to meet customer transaction
transaksi nasabah melalui smartphone dengan menggunakan needs through smartphone by using the mobile application
platform aplikasi mobile berbasis IOS dan Android. platform based on IOS and Android.
Internet Banking Individu Layanan digital untuk nasabah individu yang dapat A digital service for individual customers that can be used
digunakan untuk melakukan layanan perbankan seperti to perform banking services such as checking balances,
cek saldo, transfer dana, pembayaran, dan pembelian transferring funds, making payments, and purchasing via
melalui personal computer maupun laptop/notebook. personal computer and laptops/notebook.
Internet Banking Bisnis Layanan digital untuk nasabah korporasi atau perusahaan Digital services for corporate or company customers that
yang dapat digunakan untuk melakukan layanan perbankan can be used to carry out banking services such as balance
seperti cek saldo, transfer dana, pembayaran, dan pembelian checks, fund transfers, payments, and purchases through
melalui personal computer maupun laptop/notebook. personal computer as well as laptops/notebook.
Quick Response Code Indonesian Layanan kemudahan pembayaran dengan standarisasi Ease of payment services by standardizing payments
Standard (QRIS) pembayaran menggunakan metode QR Code dari Bank using QR Code method from Bank Indonesia to process
Indonesia agar proses transaksi dengan QR Code menjadi transactions with QR Code easier, faster, and more secure.
lebih mudah, cepat, dan terjaga keamanannya.
Aplikasi Binadigital Produk layanan perbankan digital yang dirancang bagi A digital banking service product designed for MSME
para pemilik UMKM di Indonesia. Aplikasi Mobile Banking owners in Indonesia. This Mobile Banking application
ini dikembangkan untuk memberikan kemudahan was developed to provide easy access to banking features
akses fitur-fitur perbankan melalui device milik nasabah through customers’ devices and facilitate prospective
dan memudahkan calon nasabah untuk melakukan customers to register online anywhere and anytime.
pendaftaran secara online di mana pun dan kapan pun.
Pinjaman Digital Bina Fasilitas kredit modal kerja yang diberikan kepada pelaku A working capital loan facility provided to MSME
UMKM pelanggan mitra yang diakses dan disalurkan untuk entrepreneurs who are partner customers, accessed and
kebutuhan belanja kebutuhan produk melalui aplikasi disbursed for purchasing product supplies through partner
mitra yang telah bekerja sama dengan Bank INA. applications in collaboration with Bank INA.
Loan Channeling Penyaluran pinjaman untuk segmen produktif (UMKM) Loan distribution for the productive segment (MSMEs)
melalui skema channeling bekerja sama dengan mitra (peer through channeling schemes in collaboration with partners
to peer lending, koperasi, atau lembaga keuangan lainnya) (peer to peer lending, cooperatives, or other financial
yang memiliki izin usaha resmi dari regulator di Indonesia. institutions) that have official business licenses from
regulators in Indonesia.
Aplikasi Agen Bina Layanan keuangan tanpa kantor dalam rangka inklusif Office-less financial services in the context of financial
keuangan yang menyediakan layanan perbankan melalui inclusion that provide banking services through
kerja sama dengan pihak lainnya yang ditunjuk sebagai cooperation with other parties appointed as Laku Pandai
agen Laku Pandai Bank. Bank agents.
Penyaluran Kredit
Credit Distribution
KREDIT PRODUKTIF
PRODUCTIVE CREDIT
Kredit Usaha Rakyat (KUR) Salah satu kredit program pemerintah untuk One of the government’s loans programs to grow and
menumbuhkan dan memberdayakan UMKM sebagai empower MSMEs as productive business actors who do
pelaku usaha produktif, yang tidak mempunyai agunan not have collateral or do not have sufficient collateral. KUR
atau belum mempunyai agunan yang cukup. KUR dapat can be provided as working capital (KMK) with a maximum
diberikan sebagai modal kerja (KMK) dengan jangka waktu term of 3 years and or investment financing (KI) as a fixed
maksimal 3 tahun dan atau pembiayaan investasi (KI) installment facility for a maximum period of 5 years, with a
sebagai fasilitas yang diangsur secara tetap dalam jangka maximum credit according to the specified scheme.
waktu maksimal 5 tahun, dengan maksimum kredit sesuai
kategorinya.
Usaha Kecil Menengah Fasilitas kredit untuk pengusaha yang membutuhkan Credit facility for entrepreneurs who need financing to
pembiayaan untuk mengembangkan usaha. Fasilitas kredit develop their business. The credit facilities provided are in
yang diberikan berupa: the form of:
• Kredit Modal Kerja untuk membiayai persediaan bahan • Working Capital Loans to finance raw material
baku atau piutang usaha yang belum tertagih; serta inventories or uncollected trade receivables; and
• Kredit Investasi untuk membiayai pembangunan pabrik, • Investment Credit to finance factory construction,
pembelian mesin produksi, atau kebutuhan investasi purchase of production machines, or other investment
lainnya. needs.
PT Bank Ina Perdana Tbk 69
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Profil Perusahaan
Company Profile
Komersial/Korporasi Fasilitas kredit untuk pengembangan usaha, meliputi Kredit Credit facility for business development, including Working
Modal Kerja dan Kredit Investasi. Kredit Modal Kerja digunakan Capital Loans and Investment Loans. Working Capital Loans
untuk pembiayaan kebutuhan modal kerja atau ekspansi are used for financing working capital needs or business
usaha yang habis dalam satu siklus usaha dan bersifat kredit expansion that runs out in one business cycle and are
jangka pendek. Sedangkan, Kredit Investasi digunakan short-term loans. Meanwhile, Investment Loans are used
untuk membiayai pembelian aset (mesin, kendaraan, dan to finance the purchase of assets (machinery, vehicles,
lain-lain), pembangunan infrastruktur, pembangunan hotel, etc.), infrastructure development, hotel construction,
pembangunan pabrik, dan lain-lain dalam rangka rehabilitasi, factory construction, etc. in the context of rehabilitation,
modernisasi, perluasan, ataupun pendirian proyek baru yang modernization, expansion, or establishment of new
bersifat kredit jangka menengah atau panjang. projects which are medium- or long-term loans.
Mikro (Kredit Program) Fasilitas kredit dengan proses pengajuan yang dapat dilakukan Credit facility with a fast application process that can be
dengan cepat melalui Marketing Bank INA yang mendata ke submitted through Bank INA’s marketing team, who will
toko/warung/tempat usaha Bapak/Ibu secara langsung directly collect data at your store, kiosk, or business location,
atau di Kantor Bank INA yang beroperasi di Gerai Indogrosir. or at Bank INA office operating within Indogrosir outlets.
KREDIT KONSUMER
CONSUMER LOANS
Kredit Pemilikan Properti (KPP) Fasilitas pinjaman angsuran yang diberikan oleh Bank Instalment loan facilities provided by the Bank to individual
kepada debitur perorangan untuk pembelian properti baru debtors for the purchase of new properties (primary) or
(primary) maupun bekas/sekunder (secondary), berupa second-hand (secondary), in the form of a landed house/
rumah tapak/rumah toko (ruko), rumah kantor (rukan), shop house (ruko), office house (rukan), or apartment with
atau apartemen dengan agunan properti yang dibeli. the collateral of the purchased property.
Kredit Multi Guna (KMG) Fasilitas pinjaman angsuran yang diberikan oleh Bank Instalment loan facilities provided by the Bank to individual
kepada debitur perorangan untuk kebutuhan konsumtif debtors for consumptive needs (home renovation, house
(renovasi rumah, pembangunan rumah, pernikahan, construction, marriage, education, medical treatment,
pendidikan, pengobatan, pembelian produk berharga/ purchase of valuable/electronic products, and other
elektronik, dan kebutuhan finansial lain) dengan agunan financial needs) with property collateral on behalf of the
properti atas nama debitur/pasangan. debtor/spouse.
Kredit Kendaraan Bermotor Fasilitas pinjaman angsuran yang diberikan oleh Bank Instalment loan facility provided by the Bank to individual
(KKB) kepada debitur perorangan untuk pembelian kendaraan debtors for the purchase of four-wheeled motorized
bermotor roda empat (mobil penumpang) dengan agunan vehicles (passenger cars) with collateral in the form of the
berupa kendaraan yang dibeli. purchased vehicle.
Kredit Tanpa Agunan (KTA) Fasilitas pinjaman angsuran yang diberikan oleh Bank kepada Instalment loan facilities provided by the Bank to individual
debitur perorangan untuk membiayai berbagai kebutuhan debtors to finance various consumptive needs (home
konsumtif (renovasi rumah, pernikahan, pendidikan, renovations, weddings, education, medical treatment,
pengobatan, pembelian produk berharga/elektronik, purchase of valuable/electronic products, vacations, and
liburan, dan kebutuhan finansial lain) tanpa agunan. other financial needs) without collateral.
Ina Ready Cash (IRC) Fasilitas pinjaman revolving yang diberikan oleh Bank A revolving credit facility offered by the Bank to individual
kepada debitur perorangan untuk membiayai berbagai borrowers to finance various urgent needs, with
kebutuhan mendesak, yang penarikannya dapat dilakukan withdrawals accessible at any time through Bank INA’s
setiap saat melalui Mobile Banking Bank INA. Mobile Banking.
Produk yang Diluncurkan di Tahun 2024
Product Launched in 2024
Pinjaman Kasbon Bina Fasilitas pinjaman tanpa agunan yang diberikan kepada An unsecured loan facility provided to employees of
karyawan-karyawan mitra Bank terpilih untuk kebutuhan selected partner banks for emergency needs, with
darurat dan dibayar otomatis saat debitur gajian. Fasilitas automatic repayment upon the borrower’s payday. This
dapat diakses melalui aplikasi Binadigital atau penyedia facility can be accessed through the Binadigital app or
platform yang telah bekerja sama dengan Bank INA. platform providers that have partnered with Bank INA.
API Bina API Bina merupakan layanan Perbankan berbasis protokol Bina API is a banking service based on the Application
instruksi Application Programming Interface (API) dengan Programming Interface (API) instruction protocol, following
Standar Nasional Open API Pembayaran (SNAP). Melalui the National Standard for Open Payment API (SNAP).
layanan ini, Bank INA membuka layanan perbankan untuk Through this service, Bank INA enables banking access for
dapat diakses oleh mitra melalui API. Adapun layanan partners via API. Available services include registration,
yang tersedia, antara lain layanan pendaftaran, layanan account information, and transactional services.
informasi akun, serta layanan transaksional.
SDB Layanan fasilitas penggunaan SDB bagi nasabah yang A safe deposit box facility available for eligible customers.
memenuhi kriteria.
Rekening Dana Nasabah (RDN) Rekening yang ditujukan bagi nasabah perorangan maupun A fund account designed for individual and corporate/non-
badan/non-perorangan untuk penyelesaian transaksi corporate customers to facilitate transactions in the capital
di pasar modal. market.
Bank Pembayaran Bank yang telah ditetapkan oleh PT Kustodian Sentral Efek A bank appointed by PT Kustodian Sentral Efek Indonesia
Indonesia (KSEI) untuk menyimpan dana yang tercatat (KSEI) to hold funds recorded in Securities Accounts for the
dalam Rekening Efek dalam rangka penyelesaian Transaksi settlement of securities transactions at KSEI and/or other
Efek di KSEI, dan/atau keperluan lain terkait dengan purposes related to the use of KSEI services.
penggunaan Layanan Jasa KSEI.
Bank Penyimpan Dana Margin Rekening Giro Perusahaan Pialang Berjangka pada Bank A current account of a Futures Brokerage Company held
Rekening Terpisah Penyimpan yang telah disetujui Badan Pengawas Perdagangan at a Custodian Bank approved by the Commodity Futures
(Segregate Account) Berjangka Komoditi (BAPPEBTI) untuk menyimpan dana Trading Regulatory Agency (BAPPEBTI) to safekeep client
nasabah dan dipisahkan dari kekayaan Pialang Berjangka. funds separately from the brokerage firm’s assets.
Agen Penjual Efek Reksa Dana Bank yang mewakili perusahaan Manajer Investasi untuk A bank representing an Investment Manager company
menjual efek reksa dana yang dilaksanakan oleh karyawan in selling mutual fund securities, carried out by Bank
Bank dengan izin Wakil Agen Penjual Efek Reksa Dana employees licensed as Mutual Fund Securities Selling Agent
(WAPERD). Representatives (WAPERD).
70 PT Bank Ina Perdana Tbk
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PT Bank Ina Perdana Tbk 71
Page 74
Profil Perusahaan
Company Profile
Struktur Organisasi
Organizational Structure
Struktur Organisasi Bank INA berdasarkan No. SK/DIR/054A/0824 tanggal 22 Agustus 2024.
The organizational structure of Bank INA is based on No. SK/DIR/054A/0824 dated August 22, 2024.
• Komite Pemantau Risiko
• Komite Audit
• Komite Nominasi dan Remunerasi
• Risk Monitoring Committee
• Audit Committee
• Nomination and Remuneration Committee
Direktur Bisnis Retail
Direktur Komersial Banking & Jaringan
Director of Commercial Banking Director of Retail Bussiness
& Network
Group Head Credit
Credit Review Corporate Banking Priority & Wealth Management
SME & Commercial Product Development
Credit Control Monitoring
Banking & Marketing Strategy
Loan Operation Transaction Banking Consumer Loans
Remedial & Special Asset
Business Credit Analyst Marketing Communication
Management
Branch Operation
Audit Internal Micro Banking
& Control Unit
Network & Branch
Human Capital Transformation
Development
Human Capital Sevices
Branches
Keterangan / Remark:
Direksi Divisi Satuan Kerja Cabang
Group Head
Board of Directors Division Work Unit Branch
72 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
• Komite Kredit
• Komite Kebijakan Kredit
• ALCO
• Komite Pengarah TI
• Komite Manajemen Risiko
• Komite Sumber Daya Manusia
• Komite Produk
• Credit Committee
• Credit Policy Committee
• ALCO
RUPS
• IT Steering Committee
GMS
• Risk Management Committee
• HR Committee
• Product Committee
Dewan Komisaris
Board of Commissioners
Direktur Utama
President Director
Wakil Direktur Utama
Vice President Director
Direktur Manajemen Risiko
dan Kepatuhan Direktur Keuangan
Director of Risk Management Director of Finance
and Compliance
Manajemen Risiko Digital Solutions
Treasury & FI
Risk Management & Partnership
General Services
Operation Development Digital Banking Operation
and Procurement
Accounting & Financial Technology Operation
Digital Governance
Management & Control Unit
Kepatuhan & APU-PPT
Compliance & AML-CTF Custodian Services Digital Technology
Branch & Commercial
Legal & Corporate Secretary
Banking Technology
Fraud Handling Digital Innovation &
& Prevention Data Management
Treasury Operation
& Remittance
PT Bank Ina Perdana Tbk 73
Page 76
Profil Perusahaan
Company Profile
Profil Dewan Komisaris
Profile of the Board of Commissioners
Inawaty
Handojo
Komisaris Utama Independen
Independent President Commissioner
Warga Negara Indonesia Usia 73 tahun Berdomisili di Jakarta
Indonesian Citizen 73 years old Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Komisaris Utama Independen PT Bank Ina Perdana Tbk dalam Beliau memiliki pengalaman yang luas di bidang perbankan serta menjabat
RUPS Luar Biasa tanggal 16 Juni 2021 dan telah dinyatakan sah berlaku efektif di berbagai posisi kepemimpinan, antara lain:
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa • Ketua Komite Audit PT Bank Ina Perdana Tbk (2022-2024);
Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 6 September • PT Bank Central Asia Tbk:
2021. Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan masa - Direktur Kepatuhan (2019-2020);
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. - Direktur (2016-2019);
Appointed as Independent President Commissioner of PT Bank Ina Perdana Tbk - Anggota Komite Tata Kelola Terintegrasi (2015-2016);
in the Extraordinary GMS on June 16, 2021, and has been declared legally - Anggota Komite Audit (2008-2016);
effective as of the date of stipulation in the Financial Services Authority’s - Staf dan berbagai posisi manajerial dalam bidang Audit Internal
Approval Letter for Fit and Proper Test dated September 6, 2021. The last (1980-2008); serta
appointment was effective since the Annual GMS 2024 with a term of office • Kepala Bagian Keuangan PT Naintex (1976-1980).
until the closing of the Annual GMS in 2027. She has extensive experience in banking and has held various leadership
positions, including:
• Chairperson of the Audit Committee of PT Bank Ina Perdana Tbk
Riwayat Pendidikan, Sertifikasi, dan Pelatihan (2022-2024);
Educational History, Certification, and Training • PT Bank Central Asia Tbk:
- Compliance Director (2019-2020);
Beliau memperoleh gelar Magister Manajemen di Prasetiya Mulya - Director (2016-2019);
Business School, Jakarta (2003) dan gelar Dra. Akuntansi (1979) serta gelar - Member of Integrated Governance Committee (2015-2016);
Dra. Manajemen Perusahaan (1976) di Universitas Katolik Parahyangan. - Audit Committee Member (2008-2016);
Pelatihan, seminar, dan konferensi pada tahun 2024 dapat dilihat pada - Staff and various managerial positions in Internal Audit (1980-2008); and
halaman 109-110 pada Laporan Tahunan ini. • Head of Finance Section of PT Naintex (1976-1980).
She earned Master in Management at Prasetiya Mulya Business School,
Jakarta (2003) and his Dra. Accounting (1979) and the title of Dra. Company
Management (1976) at Parahyangan Catholic University. Training, seminars, Rangkap Jabatan
and conferences in 2024 can be seen on page 109-110 in this Annual Report. Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
Hubungan Afiliasi atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Affiliations Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, bank, company, and/or other institution.
anggota Direksi, serta Pemegang Saham Pengendali dan Pemegang Saham
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada
pemilik individu.
Has no affiliation with other members of the Board of Commissioners,
members of the Board of Directors, as well as Controlling and Ultimate
Shareholder, either directly or indirectly to individual owners.
74 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Yohanes Santoso
Wibowo
Komisaris Independen
Independent Commissioner
Warga Negara Indonesia Usia 65 tahun Berdomisili di Jakarta
Indonesian Citizen 65 years old Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Komisaris Independen PT Bank Ina Perdana Tbk oleh RUPS Beliau memiliki pengalaman yang luas di bidang perbankan serta menjabat
Luar Biasa tanggal 16 Juni 2021 dan telah dinyatakan sah berlaku efektif di berbagai posisi kepemimpinan, antara lain:
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa • Komisaris PT Beegroup Financial Indonesia (BukuKas) (Juli 2020-2024);
Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 6 September • Vice Chairman Indonesia Banking School (Juli 2019-Juli 2020);
2021. Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan masa • Otoritas Jasa Keuangan sebagai Deputy Commissioner Financial System
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. Stability (Desember 2018-Juli 2019), Deputy Commissioner Integrated
Regulation and Supervision (2018), Deputy Commissioner Banking
Appointed as Independent Commissioner of PT Bank Ina Perdana Tbk in
Supervision II (2017-2018), Senior Advisor (2016), dan Head of Regional III
the Extraordinary GMS on June 16, 2021, and has been declared legally
Central Java and DIY Provinces (2013-2016);
effective as of the date of stipulation in the Financial Services Authority’s
• Bank Indonesia sebagai Executive Director Credit, Rural Banks, and SME
Approval Letter for Fit and Proper Test dated September 6, 2021. The last
Department (2012-2013), Director Credit, Rural Banks, and SME Department
appointment was effective since the Annual GMS 2024 with a term of office
(2006-2012), Deputy Head Bank Indonesia in Bali Province (2003-2006), dan
until the closing of the Annual GMS in 2027.
Deputy Director Rural Banking Department (2000-2002);
• Assistant Director Financial Market Analyst Indonesia Debt Restructuring
Riwayat Pendidikan, Sertifikasi, dan Pelatihan Agency (1999-2000);
Educational History, Certification, and Training • Bank Indonesia sebagai Assistant Director Financial Market Development
Study (1998-1999), Section Head Balance of Payment Department
Beliau memperoleh gelar Master in Banking and Finance di FINAFRICA Milano
(1995-1998), Section Head Economy and Monetary Department (1993-2002),
Italia (1988) dan gelar Sarjana Ekonomi, Akuntan (1983) di Universitas
Section Head International and Monetary Division (1989-1981), Section
Gadjah Mada. Pelatihan, seminar, dan konferensi pada tahun 2024 dapat
Head Human Resources Department (1985-1987), dan Accounting Staff
dilihat pada halaman 109-110 pada Laporan Tahunan ini.
Accounting Division (1984-1985); serta
He earned a Master in Banking and Finance at FINAFRICA Milano Italy (1988) • Accounting Staff Vico Oil Company (1983-1984).
and Bachelor of Economics, Accountant (1983) at Gadjah Mada University.
He has extensive experience in banking and has held various leadership
Training, seminars, and conferences in 2024 can be seen on page 109-110 in
positions, including:
this Annual Report.
• Commissioner of PT Beegroup Financial Indonesia (BukuKas) (July 2020–2024);
• Vice Chairman of Indonesia Banking School (July 2019–July 2020);
Hubungan Afiliasi • Financial Services Authority as Deputy Commissioner for Financial System
Affiliations Stability (December 2018–July 2019), Deputy Commissioner for Integrated
Regulation and Supervision (2018), Deputy Commissioner for Banking
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, Supervision II (2017–2018), Senior Advisor (2016), and Head of Regional III
anggota Direksi, serta Pemegang Saham Pengendali dan Pemegang Saham for Central Java and Yogyakarta Provinces (2013–2016);
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada • Bank Indonesia as Executive Director Credit, Rural Banks, and SME
pemilik individu. Department (2012-2013), Director Credit, Rural Banks, and SME
Has no affiliation with other members of the Board of Commissioners, Department (2006-2012), Deputy Head Bank Indonesia in Bali Province
members of the Board of Directors, as well as Controlling and Ultimate (2003-2006), and Deputy Director Rural Banking Department (2000-2002);
Shareholder, either directly or indirectly to individual owners. • Assistant Director Financial Market Analyst of Indonesia Debt Restructuring
Agency (1999-2000);
• Bank Indonesia as Assistant Director Financial Market Development Study
Rangkap Jabatan
(1998-1999), Section Head Balance of Payment Department (1995-1998),
Concurrent Position
Section Head Economy and Monetary Department (1993-2002), Section
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi, Head International and Monetary Division (1989-1981), Section Head
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain. Human Resources Department (1985-1987), and Accounting Staff
Accounting Division (1984-1985); and
Does not hold concurrent positions as a member of the Board of
• Accounting Staff Vico Oil Company (1983-1984).
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
PT Bank Ina Perdana Tbk 75
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Profil Perusahaan
Company Profile
Josavia Rachman
Ichwan
Komisaris
Commissioner
Warga Negara Indonesia Usia 62 tahun Berdomisili di Jakarta
Indonesian Citizen 62 years old Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Komisaris PT Bank Ina Perdana Tbk oleh RUPS Luar Biasa Pengalaman kerja beliau antara lain:
tanggal 16 Juni 2021 dan telah dinyatakan sah berlaku efektif terhitung sejak • PT Bank Ina Perdana Tbk:
tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa Keuangan - Direktur Kredit (Mei 2016-Juni 2021);
atas Penilaian Kemampuan dan Kepatutan tertanggal 6 September 2021. - GH Bisnis Development (2014-Mei 2016);
Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan masa • PT Bank Ganesha Tbk:
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. - Pemimpin Cabang Kertajaya, Surabaya (November 2012-Desember 2013);
Appointed as Commissioner of PT Bank Ina Perdana Tbk in the Extraordinary - Kepala Divisi Komersial (Juli 2007-Oktober 2012);
GMS on June 16, 2021, and has been declared legally effective as of the date - Pemimpin Cabang Kelapa Gading Jakarta (Agustus 2000-Juni 2007);
of stipulation in the Financial Services Authority’s Approval Letter for Fit and • Presiden Direktur PT Multi Valas Utama (Januari 1999-April 2000);
Proper Test dated September 6, 2021. The last appointment was effective • BPPN/Tim Pemberesan PT Bank Dagang Nasional Indonesia (BDNI Cabang
since the Annual GMS 2024 with a term of office until the closing of the Annual Mangga Dua (September 1998-Desember 2000);
GMS in 2027. • Tim Pemberetsan PT Bank Dagang Nasional Indonesia (BDNI) Cabang
Mangga Dua BPPN (September 1998-Desember 1998);
• PT Bank Dagang Nasional Indonesia (BDNI):
Riwayat Pendidikan, Sertifikasi, dan Pelatihan - Branch Manager Mangga Dua (Mei 1996-Agustus 1998);
Educational History, Certification, and Training - Sub Branch Manager P. Jayakarta (Desember 1994-April 1996);
- Branch Marketing Manager Kopi (Oktober 1991-November 1994);
Beliau memperoleh gelar Magister Ekonomi/Manajemen Keuangan di Universitas
- Account Officer Wahid Hasyim (Maret 1990-September 1991); serta
Negeri Jakarta (2013) dan gelar Sarjana Teknologi Mineral/Perminyakan
• Account Officer PT Arta Pusara (1989-1990).
di Universitas Trisakti (1988). Pelatihan, seminar, dan konferensi pada tahun
2024 dapat dilihat pada halaman 109-110 pada Laporan Tahunan ini. His work experience includes:
• PT Bank Ina Perdana Tbk:
He earned a Master’s degree in Economics/Financial Management at Jakarta
- Credit Director (May 2016-June 2021);
State University (2013) and a Bachelor’s degree in Mineral/Petroleum
- GH Business Development (2014-May 2016);
Technology at Trisakti University (1988). Training, seminars, and conferences
• PT Bank Ganesha Tbk:
in 2024 can be seen on page 109-110 in this Annual Report.
- Head of Kertajaya Branch, Surabaya (November 2012-December 2013);
- Head of Commercial Division (July 2007-October 2012);
Hubungan Afiliasi - Head of Kelapa Gading Jakarta Branch (August 2000-June 2007);
Affiliations • President Director of PT Multi Valas Utama (January 1999-April 2000);
• IBRA/Settlement Team for PT Bank Dagang Nasional Indonesia
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, (BDNI Mangga Dua Branch) (September 1998–December 2000);
anggota Direksi, serta Pemegang Saham Pengendali dan Pemegang Saham • Settlement Team of PT Bank Dagang Nasional Indonesia (BDNI) Mangga
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada Dua Branch of IBRA (September 1998-December 1998);
pemilik individu. • PT Bank Dagang Nasional Indonesia (BDNI):
Has no affiliation with other members of the Board of Commissioners, - Branch Manager Mangga Dua (May 1996-August 1998);
members of the Board of Directors, as well as Controlling and Ultimate - Sub Branch Manager P. Jayakarta (December 1994-April 1996);
Shareholder, either directly or indirectly to individual owners. - Branch Marketing Manager Kopi (October 1991-November 1994);
- Account Officer Wahid Hasyim (March 1990-September 1991); as well as
• Account Officer PT Arta Pusara (1989-1990).
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
Perubahan Komposisi Anggota Changes in the Board of Commissioners’
Dewan Komisaris Composition
Komposisi anggota Dewan Komisaris Bank tidak berubah sepanjang The composition of the Bank’s Board of Commissioners remained
tahun 2024 hingga penerbitan Laporan Tahunan ini. unchanged throughout 2024 until the issuance of this Annual Report.
76 PT Bank Ina Perdana Tbk
Page 79
Laporan Tahunan 2024
2024 Annual Report
Profil Direksi
Profile of the Board of Directors
Henry
Koenaifi
Direktur Utama
President Director
Warga Negara Indonesia Usia 65 tahun Berdomisili di Jakarta
Indonesian Citizen 65 years old Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Utama PT Bank Ina Perdana Tbk oleh RUPS Pengalaman kerja beliau:
Luar Biasa tanggal 19 Mei 2023 dan telah dinyatakan sah berlaku efektif • Direktur Retail Banking PT Bank Ina Perdana Tbk (2023);
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa • Direktur Perbankan Digital PT Bank Bumi Arta Tbk (2022);
Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 7 Agustus • Direktur Utama PT Satria Pakarti Sukses (2021-2022);
2023. Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan masa • Presiden Komisaris PT BCA Finance (2021-2022);
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. • Direktur Komersial dan SME Banking PT Bank Central Asia Tbk (2016-2021);
Appointed as President Director PT Bank Ina Perdana Tbk by the Extraordinary • Direktur Individual Banking PT Bank Central Asia Tbk (2008-2016);
GMS on May 19, 2023 and has been declared legally effective as of the date of • Presiden Direktur PT BCA Finance (2000-2007);
stipulation in the Financial Services Authority Approval Letter for Fit and Proper • Koordinator Tim Pengelola PT Bank Bali - Badan Penyehatan Perbankan
Test dated August 7, 2023. The last appointment was effective since the Annual Nasional (BPPN) (1999-2000);
GMS 2024 with a term of office until the closing of the Annual GMS in 2027. • Tim Pengelola Bank Jaya - Badan Penyehatan Perbankan Nasional (BPPN)
(1999);
• Executive Director PT Bank Ciputra (1998);
Riwayat Pendidikan, Sertifikasi, dan Pelatihan
• Direktur Commercial Banking PT Bank Tiara Asia (1997-1998);
Educational History, Certification, and Training
• Pemimpin PT Bank Central Asia Tbk Kantor Cabang Utama Suryopranoto
Beliau memperoleh gelar Magister Manajemen dan Master of Business (1995-1997);
Administration dari IPMI/Monash University, Australia (2001) serta meraih • Wakil Pemimpin PT Bank Central Asia Tbk Kantor Cabang Utama Tomang
gelar Insinyur dari Universitas Katolik Parahyangan (1984). Pelatihan, Raya, Jakarta (1993-1994);
seminar, dan konferensi pada tahun 2024 dapat dilihat pada halaman • Ketua Tim Penyelesaian Kredit KP PT Bank Central Asia Tbk (1991-1993);
110-113 pada Laporan Tahunan ini. • Kepala Biro Corporate Credit PT Bank Central Asia Tbk (1989-1991); serta
• Account Manager Industry PT USI/IBM Indonesia (1984-1989).
He obtained a Master of Management degree and Master of Business
Administration from IPMI/Monash University, Australia (2001) and holds an His work experience:
Engineer degree from Parahyangan Catholic University (1984). Training, seminars, • Director of Retail Banking of PT Bank Ina Perdana Tbk (2023);
and conferences in 2024 can be seen on page 110-113 in this Annual Report. • Director of Digital Banking of PT Bank Bumi Arta Tbk (2022);
• President Director of PT Satria Pakarti Sukses (2021-2022);
Hubungan Afiliasi • President Commissioner of PT BCA Finance (2021-2022);
Affiliations • Director of Commercial and SME Banking of PT Bank Central Asia Tbk
(2016- 2021);
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota • Director of Individual Banking of PT Bank Central Asia Tbk (2008-2016);
Dewan Komisaris, serta Pemegang Saham Pengendali dan Pemegang Saham • President Director of PT BCA Finance (2000-2007);
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada • Coordinator of PT Bank Bali Management Team - National Bank
pemilik individu. Restructuring Agency (IBRA) (1999-2000);
• Bank Jaya Management Team - National Bank Restructuring Agency (IBRA)
Has no affiliation with other members of the Board of Directors, members
(1999);
of the Board of Commissioners, and Controlling and Ultimate Shareholder,
• Executive Director of PT Bank Ciputra (1998);
either directly or indirectly to individual owners.
• Director of Commercial Banking of PT Bank Tiara Asia (1997-1998);
• Head of PT Bank Central Asia Tbk, Main Branch Office Suryopranoto
Rangkap Jabatan
(1995-1997);
Concurrent Position
• Deputy Head of PT Bank Central Asia Tbk, Tomang Raya Main Branch Office,
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi, Jakarta (1993-1994);
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain. • Head of KP Credit Settlement Team of PT Bank Central Asia Tbk (1991- 1993);
• Bureau Chief Corporate Credit PT Bank Central Asia Tbk (1989-1991); and
Does not hold concurrent positions as a member of the Board of
• Account Manager Industry of PT USI/IBM Indonesia (1984-1989).
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
PT Bank Ina Perdana Tbk 77
Page 80
Profil Perusahaan
Company Profile
Yulius Purnama
Junaedi
Wakil Direktur Utama
Vice President Director
Warga Negara Indonesia Usia 53 tahun Berdomisili di Jakarta
Indonesian Citizen 53 years old Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Wakil Direktur Utama PT Bank Ina Perdana Tbk oleh RUPS Pengalaman kerja beliau:
Luar Biasa tanggal 19 Mei 2023 dan telah dinyatakan sah berlaku efektif • Direktur Digital Banking PT Bank Ina Perdana Tbk (2021-2023);
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa • Direktur Utama PT Transaksi Artha Gemilang (OttoCash) (2018-2021);
Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 7 Agustus • Komisaris Independen PT Central Asia Financial (Asuransi Jagadiri)
2023. Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan masa (2015-2018);
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. • Direktur PT WYR Solusi Inovasi (WYR Management Consulting) (2012-2017);
Appointed as Vice President Director PT Bank Ina Perdana Tbk by the • Senior Partner PT iLead Indonesia (iLead Consulting) (2006-2012);
Extraordinary GMS on May 19, 2023 and has been declared legally effective • Mobile Banking & Internet Banking Head Citibank NA, Indonesia (2003-2006);
as of the date of stipulation in the Financial Services Authority Approval • Project Manager PT Sigma Cipta Caraka (2001-2003);
Letter for Fit and Proper Test dated August 7, 2023. The last appointment was • Senior Consultant PricewaterhouseCoopers Indonesia (1997-2000);
effective since the Annual GMS 2024 with a term of office until the closing of • Corporate Banking Marketing PT Bank Haga (1994-1996); serta
the Annual GMS in 2027. • Internal Auditor PT Bank Haga (sekarang Rabobank Indonesia) (1993-1994).
His work experience:
• Digital Banking Director of PT Bank Ina Perdana Tbk (2021-2023);
Riwayat Pendidikan, Sertifikasi, dan Pelatihan • President Director of PT Transaction Artha Gemilang (OttoCash) (2018-2021);
Educational History, Certification, and Training • Independent Commissioner of PT Central Asia Financial (Jagadiri Insurance)
(2015-2018);
Beliau memperoleh gelar Master of Business Administration, Major in • Director of PT WYR Solusi Inovasi (WYR Management Consulting) (2012-2017);
Finance and Information Technologi (1996-1997). Pelatihan, seminar, • Senior Partner PT iLead Indonesia (iLead Consulting) (2006-2012);
dan konferensi pada tahun 2024 dapat dilihat pada halaman 110-113 pada • Mobile Banking & Internet Banking Head Citibank NA, Indonesia (2003-2006);
Laporan Tahunan ini. • Project Manager PT Sigma Cipta Caraka (2001-2003);
He earned a Master of Business Administration, Major in Finance and • Senior Consultant PricewaterhouseCoopers Indonesia (1997-2000);
Information Technology (1996-1997). Training, seminars, and conferences in • Corporate Banking Marketing PT Bank Haga (1994-1996); and
2024 can be seen on page 110-113 in this Annual Report. • Internal Auditor at PT Bank Haga (now Rabobank Indonesia) (1993–1994).
Hubungan Afiliasi
Affiliations
Rangkap Jabatan
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota Concurrent Position
Dewan Komisaris, serta Pemegang Saham Pengendali dan Pemegang Saham
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
pemilik individu. atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Has no affiliation with other members of the Board of Directors, members Does not hold concurrent positions as a member of the Board of
of the Board of Commissioners, and Controlling and Ultimate Shareholder, Commissioners, member of the Board of Directors, or Executive Officer at a
either directly or indirectly to individual owners. bank, company, and/or other institution.
78 PT Bank Ina Perdana Tbk
Page 81
Laporan Tahunan 2024
2024 Annual Report
Kiung
Hui Ngo
Direktur Keuangan
Director of Finance
Warga Negara Indonesia Usia 49 tahun Berdomisili di Tangerang
Indonesian Citizen 49 years old Domiciled in Tangerang
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Keuangan PT Bank Ina Perdana Tbk berdasarkan Beliau juga pernah menjabat berbagai posisi penting, di antaranya:
Akta Pernyataan Sirkular Pemegang Saham No. 105 tanggal 27 November • Accounting and Financial Planning Group Head (Pejabat Eksekutif)
2013 dan telah dinyatakan sah berlaku efektif terhitung sejak tanggal PT Bank Ina Perdana Tbk (2011-2013);
ditetapkannya dalam Surat Gubernur Bank Indonesia tanggal 18 November • System Information and Accounting Group Head PT Bank Ina Perdana Tbk
2013. Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan masa (2009-2011);
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. • Head of Accounting PT Bank ICB Bumiputera Tbk (2009); serta
Appointed as Director of Finance of PT Bank Ina Perdana Tbk based on • Kepala Bagian Akuntansi dan MIS PT Bank BRI Syariah (d/h Bank Jasa Arta)
Shareholder Circular Statement Deed No. 105 dated November 27, 2013 and (2000-2009).
has been declared legally effective as of the date of stipulation in the Governor She has also held various important positions, including:
of Bank Indonesia Letter dated November 18, 2013. The last appointment was • Accounting and Financial Planning Group Head (Executive Officer) at
effective since the 2024 Annual GMS with a term of office until the closing of PT Bank Ina Perdana Tbk (2011-2013);
the 2027 Annual GMS. • System Information and Accounting Group Head at PT Bank Ina Perdana Tbk
(2009-2011);
• Head of Accounting at PT Bank ICB Bumiputera Tbk (2009); and
Riwayat Pendidikan, Sertifikasi, dan Pelatihan • Head of Accounting and MIS Section at PT Bank BRI Syariah (formerly
Educational History, Certification, and Training Bank Jasa Arta) (2000-2009).
Beliau memperoleh gelar Magister Manajemen di Universitas Tarumanagara
(2003). Pelatihan, seminar, dan konferensi pada tahun 2024 dapat dilihat Rangkap Jabatan
pada halaman 110-113 pada Laporan Tahunan ini. Concurrent Position
She earned his Master’s Management degree at Tarumanagara University
(2023). Training, seminars, and conferences in 2024 can be seen on Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
page 110-113 in this Annual Report. atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
Hubungan Afiliasi bank, company, and/or other institution.
Affiliations
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota
Dewan Komisaris, serta Pemegang Saham Pengendali dan Pemegang Saham
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada
pemilik individu.
Has no affiliation with other members of the Board of Directors, members
of the Board of Commissioners, and Controlling and Ultimate Shareholder,
either directly or indirectly to individual owners.
PT Bank Ina Perdana Tbk 79
Page 82
Profil Perusahaan
Company Profile
Adhiputra
Tanoyo
Direktur Manajemen Risiko dan Kepatuhan
Director of Risk Management and Compliance
Warga Negara Indonesia Usia 52 tahun Berdomisili di Tangerang
Indonesian Citizen 52 years old Domiciled in Tangerang
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Manajemen Risiko dan Kepatuhan PT Bank Ina Pengalaman kerja beliau:
Perdana Tbk oleh RUPS Luar Biasa tanggal 3 September 2021 dan telah • Director of Risk Management PT QNB Indonesia Tbk (2017-2021);
dinyatakan sah berlaku efektif terhitung sejak tanggal ditetapkannya dalam • Director of Risk Management PT Bank Commonwealth (2013-2017);
Surat Persetujuan Otoritas Jasa Keuangan atas Penilaian Kemampuan dan • Executive Director, Head of Risk Management PT Bank UOB Indonesia
Kepatutan tertanggal 14 September 2021. Pengangkatan terakhir efektif sejak (2009-2013);
RUPS Tahunan 2024 dengan masa jabatan sampai dengan ditutupnya RUPS • Senior Vice President, Head of Risk Management PT Bank Mega Tbk
Tahunan pada tahun 2027. (2004-2009);
Appointed as Director of Risk Management and Compliance of PT Bank Ina • Vice President, Head of Risk and Policy Administration Unit
Perdana Tbk by the Extraordinary GMS on September 3, 2021 and has been PT Bank Commonwealth (2004);
declared legally effective as of the date of stipulation in the Financial Services • Manager Business Risk Consulting Ernst & Young, Jakarta (2002-2004);
Authority Approval Letter for Fit and Proper Test dated September 14, 2021. • Associate Manager, Financial Risk Consulting Arthur Andersen
The last appointment was effective since the 2024 Annual GMS with a term of (2000-Juni 2022);
office until the closing of the 2027 Annual GMS. • Management Development Program Personal Banking, Credit & Collection
The Hongkong and Shanghai Banking Corporation (HSBC), Jakarta (2000);
serta
• Credit Analyst Trainee & Risk Management, Syndication Department -
Riwayat Pendidikan, Sertifikasi, dan Pelatihan
Amsterdam Indover Bank (1996-1998).
Educational History, Certification, and Training
His work experience:
Beliau memperoleh gelar Master of Science Financial Economics dari Erasmus • Director of Risk Management at PT QNB Indonesia Tbk (2017-2021);
Universiteit Rotterdam (1992-1998). Pelatihan, seminar, dan konferensi pada • Director of Risk Management at PT Bank Commonwealth (2013-2017);
tahun 2024 dapat dilihat pada halaman 110-113 pada Laporan Tahunan ini. • Executive Director, Head of Risk Management at PT Bank UOB Indonesia
He earned a Master of Science Financial Economics from Erasmus Universiteit (2009-2013);
Rotterdam (1992-1998). Training, seminars, and conferences in 2024 can be • Senior Vice President, Head of Risk Management at PT Bank Mega Tbk
seen on page 110-113 in this Annual Report. (2004-2009);
• Vice President, Head of Risk and Policy Administration Unit at
PT Bank Commonwealth (2004);
Hubungan Afiliasi • Manager Business Risk Consulting at Ernst & Young, Jakarta (2002-2004);
Affiliations • Associate Manager, Financial Risk Consulting at Arthur Andersen
(2000-June 2022);
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota • Management Development Program Personal Banking, Credit & Collection
Dewan Komisaris, serta Pemegang Saham Pengendali dan Pemegang Saham at The Hongkong and Shanghai Banking Corporation (HSBC), Jakarta
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada (2000); as well as
pemilik individu. • Credit Analyst Trainee & Risk Management, Syndication Department –
Has no affiliation with other members of the Board of Directors, members Amsterdam Indover Bank (1996-1998).
of the Board of Commissioners, and Controlling and Ultimate Shareholder,
either directly or indirectly to individual owners.
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
80 PT Bank Ina Perdana Tbk
Page 83
Laporan Tahunan 2024
2024 Annual Report
Yandy
Ramadhani
Direktur Bisnis Retail dan Jaringan
Director of Retail Business and Network
Warga Negara Indonesia Usia 58 tahun Berdomisili di Jakarta
Indonesian Citizen 58 years old Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Bisnis Retail PT Bank Ina Perdana Tbk oleh RUPS Pengalaman kerja beliau:
Tahunan tanggal 16 Juni 2023 dan telah dinyatakan sah berlaku efektif • Direktur Utama PT Dana Purna Investama (2022-2023);
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa • PT Bank Central Asia Tbk:
Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 21 Agustus - Kepala Kantor Wilayah 12 se-Jakarta Barat dan Banten (2020-2021);
2023. Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan masa - Kepala Kantor Wilayah 2 se-Jawa Tengah dan Yogyakarta (2018-2020);
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. - Kepala Kantor Wilayah 11 se-Kalimantan (2016-2018);
Appointed as Director of Retail Business of PT Bank Ina Perdana Tbk by the - Pemimpin BCA KCU Asemka Jakarta (Kelas A) (2013);
Annual GMS on June 16, 2023 and has been declared legally effective as of - Pemimpin BCA KCU Darmo Surabaya (Kelas A) (2009);
the date of stipulation in the Financial Services Authority Approval Letter for - Pemimpin BCA KCU Tangerang (Kelas B) (2007);
Fit and Proper Test dated August 21, 2023. The last appointment was effective - Pemimpin BCA KCU Makassar (Kelas B) (2003);
since the 2024 Annual GMS with a term of office until the closing of the 2027 - Pemimpin BCA KCU Bekasi (Kelas C) (2001);
Annual GMS. - Wakil Pimpinan Pemasaran dan Kredit BCA KCU Jatinegara (1999);
- Wakil Pimpinan Operasional dan Sistem, KCU BCA Jatinegara, Jakarta
(1996);
- Wakil Pimpinan Operasional dan Sistem, KCU Matraman, Jakarta
Riwayat Pendidikan, Sertifikasi, dan Pelatihan
(1994);
Educational History, Certification, and Training
- Kepala Urusan Sistem Informasi BCA Wilayah 9 Matraman (1994);
Beliau memperoleh gelar Magister Manajemen dari Sekolah Tinggi - Kepala Bidang Sistem Informasi BCA Matraman, Jakarta (1992);
Manajemen PPM (1995) serta Sarjana Ilmu Komputer dari Sekolah Tinggi - Kepala Bagian EDP BCA Jatinegara, Jakarta (1989); serta
Manajemen dan Informatika (1990). Pelatihan, seminar, dan konferensi pada - Staf EDP BCA Jatinegara, Jakarta (1987).
tahun 2024 dapat dilihat pada halaman 110-113 pada Laporan Tahunan ini. His work experience:
He earned his Master of Management from PPM College of Management • President Director of PT Dana Purna Investama (2022-2023);
(1995) and Bachelor of Computer Science from College of Management and • PT Bank Central Asia Tbk:
Informatics (1990). Trainings, seminars, and conferences in 2024 can be seen - Head of Regional Office 12 for West Jakarta and Banten (2020-2021);
on page 110-113 in this Annual Report. - Head of Regional Office 2 for Central Java and Yogyakarta (2018-2020);
- Head of Regional Office 11 for Kalimantan (2016-2018);
- Head of BCA Main Branch Office (KCU) Asemka Jakarta (Class A) (2013);
Hubungan Afiliasi - Head of BCA Main Branch Office (KCU) Darmo Surabaya (Class A) (2009);
Affiliations - Head of BCA Main Branch Office (KCU) Tangerang (Class B) (2007);
- Head of BCA Main Branch Office (KCU) Makassar (Class B) (2003);
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota - Head of BCA Main Branch Office (KCU) Bekasi (Class C) (2021);
Dewan Komisaris, serta Pemegang Saham Pengendali dan Pemegang Saham - Deputy Head of Marketing and Credit, BCA Main Branch Office (KCU)
Pengendali Terakhir, baik langsung maupun tidak langsung sampai kepada Jatinegara (1999);
pemilik individu. - Deputy Head of Operations and System, BCA Main Branch Office (KCU)
Has no affiliation with other members of the Board of Directors, members Jatinegara, Jakarta (1996);
of the Board of Commissioners, and Controlling and Ultimate Shareholder, - Deputy Head of Operations and System, Main Branch Office (KCU)
either directly or indirectly to individual owners. Matraman, Jakarta (1994);
- Head of Information System, BCA Region 9 Matraman (1994);
- Head of Information System Division, BCA Matraman, Jakarta (1992);
- Head of EDP Section, BCA Jatinegara, Jakarta (1989); and
- EDP Staff of BCA Jatinegara, Jakarta (1987).
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
PT Bank Ina Perdana Tbk 81
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Profil Perusahaan
Company Profile
Dewi K.
Prodjohartono
Direktur Komersial Banking
Director of Commercial Banking
Warga Negara Indonesia Usia 56 tahun Berdomisili di Jakarta
Indonesian Citizen 56 years old Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Komersial Banking PT Bank Ina Perdana Tbk oleh Pengalaman kerja beliau:
RUPS Luar Biasa tanggal 15 Maret 2024 dan telah dinyatakan sah berlaku • PT Bank Permata Tbk dengan jabatan terakhir sebagai Commercial
efektif terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Banking Division Head (2018-2023);
Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal • PT Maybank Indonesia dengan jabatan terakhir sebagai Financial Supply
6 Mei 2024. Pengangkatan terakhir efektif sejak RUPS Tahunan 2024 dengan Chain Management Head (2010-2018);
masa jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2027. • Emerging Business Head PT Bank OCBC NISP Tbk (2008-2010);
Appointed as Director of Commercial Banking of PT Bank Ina Perdana • Enterprise Banking Head PT Bank Lippo (2006-2008);
Tbk by the Extraordinary GMS on March 15, 2024, and has been declared • PT Bank Internasional Indonesia dengan jabatan terakhir sebagai SME &
legally effective as of the date of stipulation in the Financial Services Commercial Banking Center Head (1996-2006); serta
Authority Approval Letter for Fit and Proper Test dated May 6, 2024. The last • Account Officer Bank Universal (1992-1994).
appointment was effective since the 2024 Annual GMS with a term of office Her work experience:
until the closing of the 2027 Annual GMS. • PT Bank Permata Tbk with the last position as Commercial Banking
Division Head (2018-2023);
• PT Maybank Indonesia with the last position as Financial Supply Chain
Riwayat Pendidikan, Sertifikasi, dan Pelatihan Management Head (2010-2018);
Educational History, Certification, and Training • Emerging Business Head of PT Bank OCBC NISP Tbk (2008-2010);
• Enterprise Banking Head of PT Bank Lippo (2006-2008);
Beliau memperoleh gelar Sarjana Ekonomi dari Universitas Tarumanegara • PT Bank Internasional Indonesia with the last position as SME &
(1991). Pelatihan, seminar, dan konferensi pada tahun 2024 dapat dilihat Commercial Banking Centre Head (1996-2006); and
pada halaman 110-113 pada Laporan Tahunan ini. • Account Officer of Bank Universal (1992-1994).
She earned a Bachelor’s degree in Economics from Tarumanagara University
(1991). Training, seminars, and conferences attended in 2024 can be found on
page 110-113 of this Annual Report. Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
Hubungan Afiliasi
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Affiliations
Does not hold concurrent positions as a member of the Board of
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota Commissioners, member of the Board of Directors, or Executive Officer at a
Dewan Komisaris, serta Pemegang Saham Pengendali dan Pemegang bank, company, and/or other institution.
Saham Pengendali Terakhir, baik langsung maupun tidak langsung sampai
kepada pemilik individu.
Has no affiliation with other members of the Board of Directors, members
of the Board of Commissioners, and Controlling and Ultimate Shareholder,
either directly or indirectly to individual owners.
Perubahan Komposisi Anggota Direksi Changes in the Board of Directors’ Composition
Pada RUPS Luar Biasa tanggal 15 Maret 2024, Pemegang At the Extraordinary GMS on March 15, 2024, the Shareholders
Saham menyetujui perubahan susunan anggota Direksi dengan approved changes to the composition of the Board of Directors by
mengangkat Ibu Dewi K. Prodjohartono sebagai Direktur Komersial appointing Ms. Dewi K. Prodjohartono as Director of Commercial
Banking. Selanjutnya, beliau telah lulus fit & proper test Otoritas Banking. She subsequently passed the Financial Services
Jasa Keuangan pada 7 Mei 2024, sebagaimana diatur dalam Authority’s fit and proper test on May 7, 2024, in accordance with
ketentuan yang berlaku. applicable regulations.
82 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Selain itu, dalam RUPS Tahunan pada 20 Juni 2024, seluruh anggota Additionally, at the Annual GMS on June 20, 2024, all members of
Dewan Komisaris dan Direksi telah diangkat kembali. Dengan the Board of Commissioners and Board of Directors were
demikian, berikut adalah komposisi Direksi Bank INA pada akhir reappointed. Consequently, the following is the composition of
tahun 2024. Bank INA’s Board of Directors at the end of 2024.
Direktur Utama : Henry Koenaifi President Director : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi Vice President Director : Yulius Purnama Junaedi
Direktur Keuangan : Kiung Hui Ngo Director of Finance : Kiung Hui Ngo
Direktur Manajemen Director of Risk Management
Risiko dan Kepatuhan : Adhiputra Tanoyo and Compliance : Adhiputra Tanoyo
Direktur Bisnis Retail : Yandy Ramadhani Director of Retail Business : Yandy Ramadhani
dan Jaringan and Network
Direktur Komersial Banking : Dewi K. Prodjohartono Director of Commercial Banking : Dewi K. Prodjohartono
Profil Group Head Credit
Profiles of Group Head Credit
Monita
Group Head Credit
Warga Negara Indonesia Usia 55 tahun Berdomisili di Jakarta
Indonesian Citizen 55 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. HC/2585-A/0924. • Head Commercial Banking PT Permata Tbk (2017-2024);
Board of Directors Decision No. HC/2585-A/0924. • Head Special Asset Management PT Permata Tbk (2016-2017); serta
• Head Loan Approval PT Permata Tbk (2010-2016).
Riwayat Pendidikan • Head of Commercial Banking PT Permata Tbk (2017-2024);
Educational History • Head of Special Asset Management PT Permata Tbk (2016-2017); serta
• Head of Loan Approval PT Permata Tbk (2010-2016).
Sarjana Ilmu Administrasi, Universitas Katolik Indonesia Atma Jaya,
Jakarta (1991)
Bachelor of Administrative Sciences, Universitas Katolik Atma Jaya,
Jakarta (1991)
PT Bank Ina Perdana Tbk 83
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Profil Perusahaan
Company Profile
Profil Pejabat Eksekutif
Profiles of Executive Officers
Thomas
Alfa Edison
Kepala Divisi Audit Internal
Head of Internal Audit Division
Warga Negara Indonesia Usia 42 tahun Berdomisili di Jakarta
Indonesian Citizen 42 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/002/0124. • Group Head Internal Audit PT Bank MNC Internasional Tbk
Board of Directors Decision No. SK/DIR/002/0124. (Januari 2021-Desember 2023);
• Kepala Divisi Audit PT Bank MNC Internasional Tbk (Januari 2020-
Desember 2020); dan
Riwayat Pendidikan • Kepala Departemen Internal Audit PT Bank Mayapada Internasional Tbk
Educational History (Februari 2009-Desember 2019).
Sarjana Akuntansi, Sekolah Tinggi Ilmu Ekonomi Yayasan Administrasi • Group Head Internal Audit PT Bank MNC Internasional Tbk (January 2021-
Indonesia (STIE YAI), Jakarta (2015). December 2023);
Bachelor of Accounting, Sekolah Tinggi Ilmu Ekonomi Yayasan Administrasi • Head of Audit Division PT Bank MNC Internasional Tbk (January 2020-
Indonesia (STIE YAI), Jakarta (2015). December 2020); and
• Head of Internal Audit Department PT Bank Mayapada Internasional Tbk
(February 2009-December 2019).
Vivery
Ujiastuti
Kepala Divisi Kepatuhan dan APU-PPT
Head of Compliance and AML-CFT Division
Warga Negara Indonesia Usia 60 tahun Berdomisili di Jakarta
Indonesian Citizen 60 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/013/0324. • Compliance Division Head Bank Jtrust Indonesia (2021-2024); serta
Board of Directors Decision No. SK/DIR/013/0324. • Kepala Divisi Kepatuhan, Manajemen Risiko, dan Hukum Bank BRI Agro,
Jakarta (2014 -2020).
Riwayat Pendidikan • Head of Compliance Division, Bank Jtrust Indonesia (2021–2024); and
Educational History • Head of Compliance, Risk Management, and Legal Division, Bank BRI Agro,
Jakarta (2014–2020).
Sarjana Ekonomi Manajemen, Universitas Kristen Satya Wacana, Jawa Tengah
(1989).
Bachelor of Management Economics, Satya Wacana Christian University,
Central Java (1989).
84 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Ernawati
Soegito
Kepala Divisi Manajemen Risiko
Head of Risk Management Division
Warga Negara Indonesia Usia 56 tahun Berdomisili di Jakarta
Indonesian Citizen 56 years old Domiciled in Jakarta
Dasar Pengangkatan • Kepala Biro Marketing Bank Notes Center PT Bank Central Asia Tbk
Basis of Appointment (Oktober 2000-Februari 2002);
• Kepala Biro Internal Audit Group Bisnis Kantor Pusat PT Bank Central Asia Tbk
Surat Keputusan Direksi No. SK/DIR/031/0623. (Agustus 1993-September 2000); serta
Board of Directors Decision No. SK/DIR/031/0623. • Senior Auditor PT Inti Salim Corpora (Holding of Salim Group) (Mei 1991-Juli
1993).
Riwayat Pendidikan • Head of Operational Risk Management Division of PT Bank Central Asia Tbk
Educational History (February 2004-2020);
• Head of Operational Bureau of Bank Notes Center of PT Bank Central Asia Tbk
• Magister Manajemen, Jurusan Keuangan dari Sekolah Tinggi PPM, Jakarta; dan (March 2002-January 2004);
• Sarjana Ekonomi, Jurusan Manajemen, Universitas Kristen Satya Wacana, • Head of Marketing Bureau of Bank Notes Center of PT Bank Central Asia Tbk
Salatiga. (October 2000-February 2002);
• Master of Management, Majoring in Finance from PPM College, Jakarta; and • Head of Internal Audit Bureau of Business Group Head Office of
• Bachelor of Economics, Majoring in Management, Satya Wacana Christian PT Bank Central Asia Tbk (August 1993-September 2000); and
University, Salatiga. • Senior Auditor of PT Inti Salim Corpora (Holding of Salim Group)
(May 1991-July 1993).
Riwayat Jabatan Sebelumnya
Previous Work History
• Kepala Divisi Operational Risk Management PT Bank Central Asia Tbk
(Februari 2004-2020);
• Kepala Biro Operasional Bank Notes Center PT Bank Central Asia Tbk
(Maret 2002-Januari 2004);
Feliks Suranta
Tarigan
Kepala Departemen Sekretaris Perusahaan
Head of Corporate Secretary Department
Warga Negara Indonesia Usia 37 tahun Berdomisili di Jakarta
Indonesian Citizen 37 years old Domiciled in Jakarta
Dasar Pengangkatan • Senior Legal Counsel Financial Services & Litigation PT Visionet
Basis of Appointment Internasional (OVO): e-Money, PT Indonusa Bara Sejahtera (TARALITE):
P2P Lending, dan PT Sutra Kasih Rupawa (KOLEKO): LENDING COLLECTION
Surat Keputusan Direksi No. SK/DIR/006/0123. (Mei 2019-Desember 2021);
Board of Directors Decision No. SK/DIR/006/0123. • Legal Manager PT Hutchison 3 Indonesia (November 2017-April 2019);
• Staf Direktorat Litigasi dan Bantuan Hukum Otoritas Jasa Keuangan
(Maret 2015-Agustus 2016); serta
Riwayat Pendidikan
• Senior Associate Lawyer AYMP Law Firm (Juni 2015-Maret 2016).
Educational History
• GM Compliance & Risk Management of PT Bank Bumi Arta Tbk
• Master of Laws, European and International Business Law, Leiden University (June 2022-December 2022);
(2017); dan • Head of Legal and Internal Audit of AJAIB (January 2022-June 2022);
• Sarjana Hukum, Universitas Indonesia (2010). • Senior Legal Counsel of Financial Services & Litigation of PT Visionet
Internasional (OVO): e-Money, PT Indonusa Bara Sejahtera (TARALITE):
• Master of Law, European and International Business Law, Leiden University
P2P Lending, and PT Sutra Kasih Rupawa (KOLEKO): Lending Collection
(2017); and
(May 2019-December 2021);
• Bachelor of Law, University of Indonesia (2010).
• Legal Manager of PT Hutchison 3 Indonesia (November 2017-April 2019);
• Staff of Directorate of Litigation and Legal Assistance of Financial Services
Riwayat Jabatan Sebelumnya Authority (March 2015-August 2016); and
Previous Work History • Senior Associate Lawyer of AYMP Law Firm (June 2015-March 2016).
• GM Compliance & Risk Management PT Bank Bumi Arta Tbk
(Juni 2022-Desember 2022);
• Head of Legal and Internal Audit AJAIB (Januari 2022-Juni 2022);
PT Bank Ina Perdana Tbk 85
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Profil Perusahaan
Company Profile
Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Albertina Dwita Harliani Kepala Divisi Treasury & Financial Surat Keputusan Direksi Master of Business Administration, United States
Institutions No. SK/DIR/009/0420. International University, San Diego, USA (1992).
Head of Treasury & Financial Board of Directors Decision Master of Business Administration, United States
Institutions Division No. SK/DIR/009/0420. International University, San Diego, USA (1992).
Tjung Jun Kepala Divisi Consumer Loans Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen
No. SK/DIR/024/0721. Keuangan dan Perbankan, Sekolah Tinggi
Ilmu Ekonomi (STIE) Nusantara (d/h STIE GS
Fame/Gunung Sewu) (1996)
Head of Consumer Loans Division Board of Directors Decision Bachelor of Economics, Majoring in Finance
No. SK/DIR/024/0721. and Banking Management, Sekolah Tinggi
Ilmu Ekonomi (STIE) Nusantara (formerly
STIE GS Fame/Gunung Sewu) (1992-1996)
Liza L. Widyawari Kepala Divisi Human Capital Services Surat Keputusan Direksi Magister Manajemen, Jurusan Manajemen
No. HC/1298/0724. Stratejik, Prasetya Mulya Business School,
Jakarta (2010)
Head of Human Capital Services Board of Directors Decision Master of Management, Majoring in Strategic
Division No. HC/1298/0724. Management, Prasetya Mulya Business School,
Jakarta (2010)
Untung Kurniawan Kepala Divisi Product Development & Surat Keputusan Direksi Master of Business Administration,
Marketing Strategy No. HC/2428-D/0924. Universitas Gadjah Mada (2008)
Head of Product Development & Board of Directors Decision Master of Business Administration,
Marketing Strategy Division No. HC/2428-D/0924. Universitas Gadjah Mada (2008)
Fenty Tiodor Simanjuntak Kepala Divisi Digital Governance Surat Keputusan Direksi Magister Komputer, Jurusan IT Governance &
No. SK/DIR/025/0922. Information, Swiss German University (2014)
Head of Digital Governance Division Board of Directors Decision Master of Computing, Majoring in IT Governance &
No. SK/DIR/025/0922. Information, Swiss German University (2014)
IR. Yudhiprama Elpantja Kepala Divisi Corporate Banking Surat Keputusan Direksi Magister Manajemen, Universitas Indonesia,
No. HC/2745/1024. Depok
Head of Corporate Banking Division Board of Directors Decision Master of Management, Universitas Indonesia,
No. HC/2745/1024. Depok
Henry Aza Widjaja Yapputra Kepala Divisi Digital Technology Surat Keputusan Direksi Magister Teknologi Informasi, Jurusan Teknologi
No. SK/DIR/009/0123. Informasi, Universitas Indonesia, Jakarta
Head of Digital Technology Division Board of Directors Decision Master of Information Technology, Majoring in
No. SK/DIR/009/0123. Information Technology, Universitas Indonesia,
Jakarta.
Erica Noya Kepala Divisi Operation Development Surat Keputusan Direksi Sarjana Elektro, Universitas Trisakti,
No. SK/DIR/053/1023. Jakarta
Head of Operation Development Board of Directors Decision Bachelor of Electrical Engineering,
Division No. SK/DIR/053/1023. Universitas Trisakti, Jakarta
Mieliawati Kamto Kepala Divisi Loan Operation Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Akuntansi,
No. SK/DIR/024/0323. Sekolah Tinggi Ilmu Ekonomi (STIE) Supra
Head of Loan Operation Division Board of Directors Decision Bachelor of Economics, Majoring in Accounting,
No. SK/DIR/024/0323. Sekolah Tinggi Ilmu Ekonomi (STIE) Supra
Iwan Kepala Divisi Priority & Surat Keputusan Direksi Sarjana Teknik Sipil, Universitas Tarumanagara
Wealth Management No. SK/DIR/041.5/0823.
Head of Priority & Board of Directors Decision Bachelor of Civil Engineering,
Wealth Management Division No. SK/DIR/041.5/0823. Universitas Tarumanagara
Limmi Heriyanto Kepala Divisi Network & Surat Keputusan Direksi Sarjana Komputer, Jurusan Sistem Informasi,
Branch Development No. SK/DIR/044/0624. Universitas Bina Nusantara
Head of Network & Branch Board of Directors Decision Bachelor of Computer Science, Majoring in
Development Division No. SK/DIR/044/0624. Information System, Universitas Bina Nusantara
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Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Herman Labuan Kepala Divisi Branch & Commercial Surat Keputusan Direksi Sarjana Teknik Elektro, Universitas Indonesia
Banking Technology No. SK/DIR/021/0524.
Head of Branch & Commercial Banking Board of Directors Decision Bachelor of Electrical Engineering,
Technology Division No. SK/DIR/021/0524. Universitas Indonesia
Febe Budianto Kepala Divisi Digital Solutions Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Akuntansi,
& Partnership No. SK/DIR/048/0923. Sekolah Tinggi Ilmu Ekonomi Yayasan
Keluarga Pahlawan Negara, Yogyakarta
Head of Digital Digital Solutions & Board of Directors Decision Bachelor of Economics, Majoring in Accounting,
Partnership Division No. SK/DIR/048/0923. Sekolah Tinggi Ilmu Ekonomi Yayasan Keluarga
Pahlawan Negara, Yogyakarta
Yenny Halim Kepala Divisi Digital Banking Operation Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Administrasi Bisnis,
No. SK/DIR/054/1023. Universitas Atmajaya, Jakarta
Head of Digital Banking Operation Board of Directors Decision Bachelor of Economics, Majoring in Business
Division No. SK/DIR/054/1023. Administration, Universitas Atmajaya, Jakarta
Ali Santa Kepala Divisi Credit Review SME Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
No. SK/DIR/020-D/0524. Universitas Trisakti, Jakarta
Head of Credit Review SME Division Board of Directors Decision Bachelor of Economics, Majoring in Management,
No. SK/DIR/020-D/0524. Universitas Trisakti, Jakarta
Laksmiwati Harjoko Kepala Divisi Branch Operation & Surat Keputusan Direksi Lembaga Pendidikan Akuntansi
Control Unit No. SK/DIR/060/1123. Universitas Tarumanagara (1978)
Head of Branch Operation & Board of Directors Decision Institute of Accounting Education,
Control Unit Division No. SK/DIR/060/1123. Universitas Tarumanagara (1978)
Hendra Kepala Divisi Technology Operation Surat Keputusan Direksi Sarjana Komputer, Universitas Bina Nusantara,
& Control Unit No. SK/DIR/046/0624. Jakarta (2000)
Head of Technology Operation Board of Directors Decision Bachelor of Computers, Universitas Bina
& Control Unit Division No. SK/DIR/046/0624. Nusantara, Jakarta (2000)
Ila Nurul Haidah Kepala Divisi Custodian Services Surat Keputusan Direksi Doktor Ekonomi, Universitas Borobudur,
No. HC/2778/1024. Jakarta (2021)
Head of Custodian Services Division Board of Directors Decision Doctor of Economics, Universitas Borobudur,
No. HC/2778/1024. Jakarta (2021)
Jahja Kepala Divisi Human Capital Surat Keputusan Direksi Magister Manajemen Strategik Global,
Transformation No. HC/1448a/0724. Universitas Pelita Harapan, Jakarta (2016)
Head of Human Capital Board of Directors Decision Master of Global Strategic Management,
Transformation Division No. HC/1448a/0724. Universitas Pelita Harapan, Jakarta (2016)
Juli Maria Kepala Divisi SME & Commercial Banking Surat Keputusan Direksi Sarjana Ekonomi, Universitas Katolik Atma Jaya,
No. HC/2744/1024. Jakarta (1993)
Head of SME & Commercial Banking Board of Directors Decision Bachelor of Economics, Universitas Katolik Atma
Division No. HC/2744/1024. Jaya, Jakarta (1993)
Nurina Yudistianti Kepala Divisi Marketing Communication Surat Keputusan Direksi Magister Ilmu Komunikasi, Universitas Gadjah
No. SK/DIR/020/0424. Mada, Yogyakarta (2009)
Head of Marketing Communication Board of Directors Decision Master of Communication Sciences,
Division No. SK/DIR/020/0424. Universitas Gadjah Mada, Yogyakarta (2009)
Suhenmawi Untung Kepala Divisi Credit Review Corporate & Surat Keputusan Direksi Sarjana Komputerisasi Akuntansi,
Commercial No. HC/2742/1024. Bina Nusantara University, Jakarta (1997)
Head of Credit Review Corporate & Board of Directors Decision Bachelor of Computerized Accounting,
Commercial Division No. HC/2742/1024. Bina Nusantara University, Jakarta (1997)
Surjadi Hardiman Kepala Divisi Business Credit Analyst Surat Keputusan Direksi Magister BSC Accounting, Asian Institute of
No. SK/DIR/040/0624. Management (2009)
Head of Business Credit Analyst Division Board of Directors Decision Master of BSC Accounting, Asian Institute of
No. SK/DIR/040/0624. Management (2009)
PT Bank Ina Perdana Tbk 87
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Profil Perusahaan
Company Profile
Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Rony Hermawan Kepala Satuan Kerja Micro Banking Surat Keputusan Direksi Pascasarjana Program Studi Management
No. HC/2428-B/0924. Strategic, Perbanas Institute Jakarta (2017).
Head of Micro Banking Work Unit Board of Directors Decision Postgraduate Study Program, Strategic
No. HC/2428-B/0924. Management, Perbanas Institute Jakarta (2017).
Nichodemus Surbakti Kepala Satuan Kerja Treasury Surat Keputusan Direksi Sarjana Ekonomi Manajemen, Universitas
Operation & Remittance No. SK/DIR/035-A/0624. HKBP Nommensen, Medan (1989)
Head of Treasury Operation & Board of Directors Decision Bachelor of Management Economics,
Remittance Division No. SK/DIR/035-A/0624. Universitas HKBP Nommensen, Medan (1989)
Usep Hanafiah Kepala Satuan Kerja Remedial & Special Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
Asset Management No. HC/1296a/0721. Universitas Widyagama, Malang (1990).
Head of Remedial & Special Asset Board of Directors Decision Bachelor of Economics, Majoring in
Management Division No. HC/1296a/0721. Management, Widygama University,
Malang (1990).
Ana Pemimpin Kantor Cabang Medan Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
No. SK/DIR/002/0220. Sekolah Tinggi Ilmu Ekonomi Harapan,
Medan (1995)
Head of Medan Branch Office Board of Directors Decision Bachelor of Economics, Majoring in Management,
No. SK/DIR/002/0220. Sekolah Tinggi Ilmu Ekonomi Harapan, Medan
(1995)
Andie Nuvianto Pemimpin Kantor Cabang Yogyakarta Surat Keputusan Direksi Sarjana Ilmu Politik, Jurusan Ilmu Pemerintahan,
No. SK/DIR/015/0520. Universitas Gadjah Mada, Yogyakarta (1996)
Bachelor of Political Science, Majoring in
Head of Yogyakarta Branch Office Board of Directors Decision Government Science, Universitas Gadjah Mada,
No. SK/DIR/015/0520. Yogyakarta (1996)
Charles Belen Pemimpin Kantor Cabang Ambon Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Akuntansi,
No. SK/DIR/008A/0618. Universitas Pattimura (2008)
Head of Ambon Branch Office Board of Directors Decision Bachelor of Economics, Majoring in
No. SK/DIR/008A/0618. Accounting, Universitas Pattimura (2008)
Dewi Sarijati Pemimpin Kantor Cabang Denpasar Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
No. SK/DIR/008/0617. Universitas Lampung (1992)
Head of Denpasar Branch Office Board of Directors Decision Bachelor of Economics, Majoring in
No. SK/DIR/008/0617. Management, Universitas Lampung (1992)
Vonny Ridho Pemimpin Kantor Cabang Melawai Surat Keputusan Direksi Magister Hukum, Universitas Islam As-Syafi’iyah,
No. SK/DIR/021/0721. Jakarta
Head of Melawai Branch Office Board of Directors Decision Master of Law, Universitas Islam As-Syafi’iyah,
No. SK/DIR/021/0721. Jakarta
Rusdy Yanto Pemimpin Kantor Cabang Ariobimo Surat Keputusan Direksi Pascasarjana Program Studi Manajemen
No. SK/DIR/025/0820. Keuangan, Universitas Tarumanagara (2005)
Head of Ariobimo Branch Office Board of Directors Decision Postgraduate Study Program in Financial
No. SK/DIR/025/0820. Management, Universitas Tarumanagara (2005)
Liliana Kusuma Chandra Pemimpin Kantor Cabang Solo Surat Keputusan Direksi Sarjana Bahasa Asing (Perancis),
No. SK/DIR/042/1021. IKIP Negeri Semarang (1990)
Head of Solo Branch Office Board of Directors Decision Bachelor of Foreign Languages (French),
No. SK/DIR/042/1021. IKIP Negeri Semarang (1990)
Harijanto Tanuwidjaja Pemimpin Kantor Cabang Dago Bandung Surat Keputusan Direksi Sarjana Teknik Sipil, Universitas Parahyangan,
No. SK/DIR/055/1121. Bandung (1990)
Head of Dago Bandung Branch Office Board of Directors Decision Bachelor of Civil Engineering, Universitas
No. SK/DIR/055/1121. Parahyangan, Bandung (1990)
88 PT Bank Ina Perdana Tbk
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2024 Annual Report
Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Olviany Dowah Pemimpin Kantor Cabang Palu Surat Keputusan Direksi Bachelor of Business Administration,
No. SK/DIR/051.A/1223. Indonesian Institute of Management (1995)
Head of Palu Branch Office Board of Directors Decision Bachelor of Business Administration,
No. SK/DIR/051.A/1223. Indonesian Institute of Management (1995)
Lussy Kanserina Yulisia Pemimpin Kantor Cabang Kelapa Gading Surat Keputusan Direksi Magister Manajemen, Program Studi Pemasaran,
No. SK/DIR/032/0623. Sekolah Tinggi Manajemen Labora, Jakarta
(2002)
Head of Kelapa Gading, Jakarta Branch Board of Directors Decision Master of Management, Marketing Study Program,
Office No. SK/DIR/032/0623. Sekolah Tinggi Manajemen Labora, Jakarta
(2002)
Retno Windrati Pemimpin Kantor Cabang Malang Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen
No. SK/DIR/035/0723. Keuangan, Sekolah Tinggi Ilmu Ekonomi
Malangkucecwara, Malang
Head of Malang Branch Office Board of Directors Decision Bachelor of Economics, Majoring in Financial
No. SK/DIR/035/0723. Management, Sekolah Tinggi Ilmu Ekonomi
Malangkucecwara, Malang
Joko Pemimpin Kantor Cabang Semarang Surat Keputusan Direksi Sarjana Komputer, Jurusan Sistem Informasi,
No. SK/DIR/056/1123. Universitas Pelita Harapan
Head of Semarang Branch Office Board of Directors Decision Bachelor of Computer Science, Majoring in
No. SK/DIR/056/1123. Information System, Universitas Pelita Harapan
Anggraeni Tedjokusumo Pemimpin Kantor Cabang Kertajaya Surat Keputusan Direksi Sarjana Ekonomi, Universitas Surabaya
No. SK/DIR/063/1123.
Head of Kertajaya Branch Office Board of Directors Decision Bachelor of Economics, Universitas Surabaya
No. SK/DIR/063/1123.
Erna Dwi Eviyani Pemimpin Kantor Cabang Tegal Surat Keputusan Direksi Sarjana Ekonomi, Yogyakarta
No. SK/DIR/011/0123.
Head of Tegal Branch Office Board of Directors Decision Bachelor of Economics, Yogyakarta
No. SK/DIR/011/0123.
Bob Abdul Rauf Pemimpin Kantor Cabang Makassar Surat Keputusan Direksi Sarjana Antropology, Universtas Hasanuddin,
No. SK/DIR/046b/0724. Makassar (1991)
Head of Makassar Branch Office Board of Directors Decision Bachelor of Anthropology, Universitas
No. SK/DIR/046b/0724. Hasanuddin, Makassar (1991)
Nelly Karlianto Pemimpin Kantor Cabang Bogor Surat Keputusan Direksi Sarjana Ekonomi Akuntansi, Universitas
No. SK/DIR/051/0724. Tarumanagara, Jakarta (2001)
Head of Bogor Branch Office Board of Directors Decision Bachelor of Economics in Accounting,
No. SK/DIR/051/0724. Universitas Tarumanagara, Jakarta (2001)
Novilia Sentosa Pemimpin Kantor Cabang Puri Surat Keputusan Direksi Sarjana Bisnis, Macquarie University (2002)
No. SK/DIR/050/0724.
Head of Puri Branch Office Board of Directors Decision Bachelor of Business, Macquarie University
No. SK/DIR/050/0724. (2002)
Vivi Yuristika Dewi Pemimpin Kantor Cabang Bukit Darmo Surat Keputusan Direksi Sarjana Manajemen, Universitas Kristren Petra,
Surabaya No. HC/2814/1124. Surabaya (2003)
Head of Bukit Darmo Surabaya Branch Board of Directors Decision Bachelor of Management, Petra Kristren
Office No. HC/2814/1124. University, Surabaya (2003)
Vivy Wongso Pemimpin Kantor Cabang PIK Surat Keputusan Direksi Magister Marketing Management, Universitas
No. SK/DIR/022-A/0524. Tarumanagara, Jakarta (2012)
Head of PIK Branch Office Board of Directors Decision Master of Marketing Management, Universitas
No. SK/DIR/022-A/0524. Tarumanagara, Jakarta (2012)
PT Bank Ina Perdana Tbk 89
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Profil Perusahaan
Company Profile
Profil Komite Audit
Profile of Audit Committee
Yohanes Santoso
Wibowo
Ketua Komite Audit
Chairperson of the Audit Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/047/0724 tanggal 2 Juli 2024 tentang Perbankan.
Susunan Anggota Komite Audit PT Bank Ina Perdana Tbk.
Board of Directors Decision No. SK/DIR/047/0724 dated July 2, 2024, regarding Banking.
the Composition of the Audit Committee of PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Dinan
Sufendi Rae
Anggota Komite Audit Warga Negara Indonesia Usia 60 tahun Berdomisili di Jakarta
Member of the Audit Committee Indonesian Citizen 60 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/047/0724 tanggal 2 Juli 2024 tentang • Advisor Direktorat Kepatuhan dan Manajemen Risiko PT Bank BJB Tbk (2024);
Susunan Anggota Komite Audit PT Bank Ina Perdana Tbk. • Anggota Integrated Governance Committee PT Bank BJB Tbk (2022);
Board of Directors Decision No. SK/DIR/047/0724 dated July 2, 2024, regarding • Kepala Divisi Risk Management/Senior Vice President PT Bank BJB Tbk (2019);
the Composition of the Audit Committee of PT Bank Ina Perdana Tbk. • Vice President (Legal) Direktorat Kepatuhan PT Bank BTPN Tbk (2013);
• Senior Legal Counsel PT Perusahaan Pengelola Aset (PPA) (2007);
• Pimpinan Tim Legal Commercial Badan Penyehatan Perbankan Indonesia
Riwayat Pendidikan (BPPN) (2004);
Educational History • Credit Manager PT Bank Subentra - BBO (1997);
• Legal Officer PT IBJ Indonesia Bank (1991); serta
• Magister Hukum, Sekolah Tinggi Hukum, Bandung (2017); • Trainee Bank of Tokyo (1990).
• Sarjana Hukum, Universitas Padjadjaran Bandung (1990); dan
• Advisor to the Directorate of Compliance and Risk Management of
• Sarjana Hubungan Internasional, Universitas Padjadjaran, Bandung (1988).
PT Bank BJB Tbk (2024);
• Master of Law, Sekolah Tinggi Hukum, Bandung (2017); • Member of the Integrated Governance Committee of PT Bank BJB Tbk
• Bachelor of Law, Padjadjaran University Bandung (1990); and (2022);
• Bachelor of International Relations, Padjadjaran University, Bandung (1988). • Head of Risk Management Division/Senior Vice President of PT Bank BJB Tbk
(2019);
• Vice President (Legal) of the Directorate of Compliance of PT Bank BTPN Tbk
Rangkap Jabatan
(2013);
Concurrent Position
• Senior Legal Counsel of PT Perusahaan Pengelola Aset (PPA) (2007);
• Advisor/EVP for Legal and Governance PT ASP (sejak 2021); • Head of the Legal Commercial Team of the Indonesian Bank Restructuring
• Anggota Integrated Governance Committee Bank KB (sejak 2023); Agency (BPPN) (2004);
• Anggota Strategic Alliance Committee CBI (sejak 2024);serta • Credit Manager of PT Bank Subentra - BBO (1997);
• Dosen Tetap STIE Ekuitas Bandung (sejak 2020). • Legal Officer of PT IBJ Indonesia Bank (1991); and
• Trainee at Bank of Tokyo (1990).
• Advisor/EVP for Legal and Governance at PT ASP (since 2021);
• Member of Integrated Governance Committee at Bank KB (since 2023);
• Member of Strategic Alliance Committee at CBI (since 2024); and Kualifikasi
• Permanent Lecturer at STIE Ekuitas Bandung (since 2020). Qualification
Perbankan dan Hukum.
Banking and Law.
90 PT Bank Ina Perdana Tbk
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2024 Annual Report
Antonius
Suryanta
Anggota Komite Audit Warga Negara Indonesia Usia 61 tahun Berdomisili di Jakarta
Member of the Audit Committee Indonesian Citizen 61 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/047/0724 tanggal 2 Juli 2024 tentang • Anggota Komite Audit PT Bank Raya Tbk (2019-2023);
Susunan Anggota Komite Audit PT Bank Ina Perdana Tbk. • Vice President (VP) Audit Intern Wilayah BRI Denpasar, NTB, NTT
Board of Directors Decision No. SK/DIR/047/0724 dated July 2, 2024, regarding PT Bank Rakyat Indonesia (Persero) Tbk (2014-2019);
the Composition of the Audit Committee of PT Bank Ina Perdana Tbk. • VP Wilayah BRI Makassar PT Bank Rakyat Indonesia (Persero) Tbk
(2016-2017);
• VP Wilayah BRI Manado, PT Bank Rakyat Indonesia (Persero) Tbk
Riwayat Pendidikan (2014-2016);
Educational History • Group Head Wilayah BRI Jakarta I, PT Bank Rakyat Indonesia (Persero) Tbk
(2013-2014);serta
• Magister Manajemen, Universitas Padjadjaran, Bandung (2000); dan • Kepala Divisi Pengendalian Risiko Kredit PT Bank BRI Agroniaga Tbk
• Sarjana Ekonomi, Universitas Gadjah Mada, Yogyakarta (1987). (2010-2013).
• Master of Management, Padjadjaran University, Bandung (2000); and • Member of the Audit Committee of PT Bank Raya Tbk (2019–2023);
• Bachelor of Economics, Gadjah Mada University, Yogyakarta (1987). • Vice President (VP) of Internal Audit for BRI Denpasar, NTB, NTT Region
at PT Bank Rakyat Indonesia (Persero) Tbk (2014–2019);
Kualifikasi • Vice President for BRI Makassar Region at PT Bank Rakyat Indonesia
Qualification (Persero) Tbk (2016–2017);
• Vice President for BRI Manado Region at PT Bank Rakyat Indonesia
Qualified Internal Auditor dan Manajemen Risiko Tingkat 3. (Persero) Tbk (2014–2016);
Qualified Internal Auditor and Level 3 Risk Management. • Group Head for BRI Jakarta I Region at PT Bank Rakyat Indonesia
(Persero) Tbk (2013–2014); and
• Head of Credit Risk Control Division at PT Bank BRI Agroniaga Tbk
(2010–2013).
PT Bank Ina Perdana Tbk 91
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Profil Perusahaan
Company Profile
Profil Komite Remunerasi dan Nominasi
Profile of Remuneration and Nomination Committee
Inawaty
Handojo
Ketua Komite Remunerasi dan Nominasi
Chairperson of the Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/049/0724 tanggal 2 Juli 2024 tentang Perbankan.
Susunan Anggota Komite Nominasi dan Remunerasi PT Bank Ina Perdana Tbk.
Board of Directors Decision No. SK/DIR/049/0724 dated July 2, 2024, Banking.
regarding the Composition of Nomination and Remuneration Committee of
PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Yohanes Santoso
Wibowo
Anggota Komite Remunerasi dan Nominasi
Member of the Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/049/0724 tanggal 2 Juli 2024 tentang Perbankan.
Susunan Anggota Komite Nominasi dan Remunerasi PT Bank Ina Perdana Tbk.
Board of Directors Decision No. SK/DIR/049/0724 dated July 2, 2024, Banking.
regarding the Composition of the Nomination and Remuneration
Committee of PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Josavia Rachman
Ichwan
Anggota Komite Remunerasi dan Nominasi
Member of the Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/049/0724 tanggal 2 Juli 2024 tentang Perbankan.
Susunan Anggota Komite Nominasi dan Remunerasi PT Bank Ina Perdana Tbk.
Board of Directors Decision No. SK/DIR/049/0724 dated July 2, 2024, Banking.
regarding the Composition of the Nomination and Remuneration
Committee of PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
92 PT Bank Ina Perdana Tbk
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Liza L.
Widyasari
Anggota Komite Remunerasi dan Nominasi
Member of the Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/049/0724 tanggal 2 Juli 2024 tentang Perbankan.
Susunan Anggota Komite Nominasi dan Remunerasi PT Bank Ina Perdana Tbk.
Board of Directors Decision No. SK/DIR/049/0724 dated July 2, 2024, Banking.
regarding the Composition of the Nomination and Remuneration
Committee of PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Pejabat Eksekutif dalam Laporan Tahunan ini.
Profiles can be seen in the Executive Officer Profiles section in this Annual Report.
Jahja
Anggota Komite Remunerasi dan Nominasi
Member of the Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/055/0924 tanggal 19 September 2024 Perbankan.
tentang Susunan Anggota Komite Nominasi dan Remunerasi PT Bank Ina
Perdana Tbk. Banking.
Board of Directors Decision No. SK/DIR/055/0924 dated September 19, 2024,
regarding the Composition of the Nomination and Remuneration
Committee of PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Pejabat Eksekutif dalam Laporan Tahunan ini.
Profiles can be seen in the Executive Officer Profiles section in this Annual Report.
PT Bank Ina Perdana Tbk 93
Page 96
Profil Perusahaan
Company Profile
Profil Komite Pemantau Risiko
Profile of Risk Monitoring Committee
Inawaty
Handojo
Ketua Pemantau Risiko
Chairperson of the Risk Monitoring Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/048/0724 tanggal 2 Juli 2024 tentang Perbankan.
Anggota Komite Pemantau Risiko PT Bank Ina Perdana Tbk.
Board of Directors Decision No. SK/DIR/048/0724 dated July 2, 2024, Banking.
regarding the Members of the Risk Monitoring Committee of PT Bank Ina
Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Ivan Purnama
Sanoesi
Anggota Pemantau Risiko Warga Negara Indonesia Usia 63 tahun Berdomisili di Jakarta
Member of the Risk Monitoring Committee Indonesian Citizen 63 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/048/0724 tanggal 2 Juli 2024 tentang • Anggota Komite Audit PT Bank Ina Perdana Tbk (2022-2024); serta
Anggota Komite Pemantau Risiko PT Bank Ina Perdana Tbk. • Wakil Kepala Divisi Audit Internal PT Bank Central Asia Tbk
Board of Directors Decision No. SK/DIR/048/0724 dated July 2, 2024, regarding (1999-Mei 2016).
the Members of the Risk Monitoring Committee of PT Bank Ina Perdana Tbk. • Member of the Audit Committee of PT Bank Ina Perdana Tbk (2022-2024);
and
Riwayat Pendidikan • Deputy Head of Internal Audit Division of PT Bank Central Asia Tbk
Educational History (1999-May 2016).
• Magister, Sekolah Tinggi Manajemen PPM Manajemen (2004); dan
• Sarjana Ekonomi Jurusan Akuntansi, Universitas Tarumanagara (1989).
• Master’s degree from PPM School of Management (2004); and
• Bachelor of Economics in Accounting from Tarumanagara University (1989).
Kualifikasi
Qualification
Qualified Internal Auditor, Sertifikasi Manajemen Risiko Tingkat IV, dan Wakil
Perantara Perdagangan Efek.
Qualified Internal Auditor, Certification Level IV Risk Management, and Broker
Dealer Representative.
94 PT Bank Ina Perdana Tbk
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Jacobus Sindu
Adisuwono
Anggota Pemantau Risiko Warga Negara Indonesia Usia 63 tahun Berdomisili di Jakarta
Member of the Risk Monitoring Committee Indonesian Citizen 63 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/048/0724 tanggal 2 Juli 2024 tentang • Anggota Komite Audit PT Bank Ina Perdana Tbk (2022-2024);
Anggota Komite Pemantau Risiko PT Bank Ina Perdana Tbk. • Presiden Komisaris PT BCA Finance (2018-2021);
Board of Directors Decree No. SK/DIR/048/0724 dated July 2, 2024, regarding • Ketua Dewan Pengawas Dana Pensiun BCA (2009-2018);
Members of the Risk Monitoring Committee of PT Bank Ina Perdana Tbk. • Ketua Dewan Pengawas Yayasan Bhakti BCA (2009-2018); serta
• Kepala Divisi Audit Internal PT Bank Central Asia Tbk (2008-2017).
Riwayat Pendidikan • Member of the Audit Committee of PT Bank Ina Perdana Tbk (2022-2024);
Educational History • President Commissioner of PT BCA Finance (2018-2021);
• Chairman of BCA Pension Fund Supervisory Board (2009-2018);
Sarjana Akuntansi, Universitas Katolik Parahyangan. • Chairman of the Supervisory Board of Bhakti BCA Foundation (2009-2018);
Bachelor of Accounting, Parahyangan Catholic University. and
• Head of Internal Audit Division of PT Bank Central Asia Tbk (2008-2017).
Kualifikasi
Qualification
Qualified Internal Auditor (QIA), Certified Internal Auditor (CIA), Certification in
Audit, Committee Practices (CACP), dan Sertifikasi Manajemen Risiko Level IV.
Qualified Internal Auditor (QIA), Certified Internal Auditor (CIA), Certification in
Audit, Committee Practices (CACP), and Level IV Risk Management Certification.
PT Bank Ina Perdana Tbk 95
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Profil Perusahaan
Company Profile
Komposisi Pemegang Saham [POJK51-C.3]
Composition of Shareholders
Kepemilikan Saham Awal Tahun 2024 Kepemilikan Saham Akhir Tahun 2024
Share Ownership at Beginning of 2024 Share Ownership at End of 2024
Uraian
Jumlah Nilai Nominal Kepemilikan Jumlah Nilai Nominal Kepemilikan
Description
Saham Nominal Value Ownership Saham Nominal Value Ownership
Total Shares (Rp) (%) Total Shares (Rp) (%)
KEPEMILIKAN >5%
OWNERSHIP >5%
PT Indolife Pensiontama 1.400.830.852 140.083.085.200 22,83 1.400.830.852 140.083.085.200 22,83
PT Samudra Biru 1.114.213.066 111.421.306.600 18,16 1.114.213.066 111.421.306.600 18,16
UOB Kay Hian Pte Ltd 1.034.416.550 103.441.655.000 16,86 1.034.416.550 103.441.655.000 16,86
PT Gaya Hidup Masa Kini 726.190.057 72.619.005.700 11,84 726.190.057 72.619.005.700 11,84
DBS Bank Ltd S/A LTSL as Trustee
593.387.750 59.338.775.000 9,67 593.387.750 59.338.775.000 9,67
of NS Financial Fund
KEPEMILIKAN <5%
OWNERSHIP <5%
Masyarakat (masing-masing
di bawah 5%) 1,265,678,390 126,567,839,000 20,64 1,265,678,390 126,567,839,000 20,64
Public (each less than 5%)
Jumlah Saham Ditempatkan dan
Disetor Penuh 6.134.716.665 613.471.666.500 100,00 6.134.716.665 613.471.666.500 100,00
Total Issued and Fully Paid Shares
Komposisi Pemegang Saham Berdasarkan Status Kepemilikan
Composition of Shareholders Based on Ownership Status
Kepemilikan Saham Awal Tahun 2024 Kepemilikan Saham Akhir Tahun 2024
Share Ownership at Beginning of 2024 Share Ownership at End of 2024
Uraian Jumlah Jumlah
Description Pemegang Saham Nilai Nominal Kepemilikan Pemegang Saham Nilai Nominal Kepemilikan
Nominal Value Ownership Nominal Value Ownership
Total (Rp) (%) Total (Rp) (%)
Shareholders Shareholders
Institusi Asing
18 1.643.964.442 26,80 17 1.843.595.942 30,05
Foreign Institutions
Institusi Lokal
38 4.433.069.915 72,26 38 4.260.037.920 69,44
Local Institution
Individu Asing
3 88.600 0,00 2 1.600 0,00
Foreign Individuals
Individu Lokal
1.350 57.593.708 0,94 1.167 31.081.203 0,51
Local Individuals
Total 1.409 6.134.716.665 100,00 1.409 6.134.716.665 100,00
96 PT Bank Ina Perdana Tbk
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Kepemilikan Saham Dewan Komisaris Share Ownership of the Board of Commissioners
dan Direksi and Board of Directors
Sesuai dengan Peraturan Otoritas Jasa Keuangan No. 4 Tahun 2024 In accordance with the Financial Services Authority Regulation
tentang Laporan Kepemilikan atau Setiap Perubahan Kepemilikan No. 4 of 2024 concerning Reports on Share Ownership or Any
Saham Perusahaan Terbuka, setiap anggota Dewan Komisaris Changes in Share Ownership of Public Companies, each member of
dan Direksi Perusahaan Terbuka wajib melaporkan kepemilikan the Board of Commissioners and the Board of Directors of a Public
saham dan setiap perubahannya kepada Otoritas Jasa Keuangan Company is required to report share ownership and any changes
paling lambat 5 hari kerja setelah terjadinya transaksi. Sepanjang thereof to the Financial Services Authority no later than 5 working
tahun buku 2024, Dewan Komisaris maupun Direksi Bank INA days after the transaction occurs. Throughout the 2024 financial
tidak memiliki saham perusahaan, baik secara langsung maupun year, neither the Board of Commissioners nor the Board of Directors
tidak langsung. of Bank INA held any company shares, either directly or indirectly.
PT Bank Ina Perdana Tbk 97
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Profil Perusahaan
Company Profile
Pemegang Saham Pengendali dan
Pemegang Saham Pengendali Terakhir
Controlling and Ultimate Shareholder
Alston Salim Anthoni Salim Axton Salim Benny Setiawan Santoso
33,32% 33,33% 33,33% 0,0095%
PT Sutowido Galangpratama PT Perkasa Investama
49,50% 1,00%
PT Elang Saktiprabawa
99,62%
Alston Salim Anthoni Salim Axton Salim Alston Salim Axton Salim
33,33% 33,33% 33,33% 6,31% 6,31%
PT Zamrud Indah Persada PT Wahanamulia Wiranusa
40,00% 60,00%
PT Cakra Intan Sakti Anthoni Salim
49,73% 0,54%
PT Indolife Pensiontama
99,99%
22,83%
DBS Bank LTD S/A LTSL AS
UOB Kay Hian Pte Ltd
Trustee of NS Financial Fund
16,86% 9,67%
98 PT Bank Ina Perdana Tbk
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Alston Salim Anthoni Salim Axton Salim Benny Setiawan Santoso
32,77% 33,61% 33,61% 0,00087%
PT Ombakindo Kreasi
49,50%
PT Zamrud Indah Persada
0,38%
PT Megah Eraraharia Anthoni Salim Phiong Philipus Darma
81,04% 6,31% 0,0008%
Hindarto Budiono Anthoni Salim
2,49% 97,51%
PT Lintas Sejahtera Langgeng
49,73%
Harry Sumanto Widjaja
0,01%
Ignatius Budiman 99,99% PT Gaya Hidup Masa Kini
0,01% 11,84%
Masyarakat
PT Samudera Biru
Public
18,16% 20,64%
PT Bank Ina Perdana Tbk 99
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Profil Perusahaan
Company Profile
Merujuk pada bagan kepemilikan, PT Indolife Pensiontama According to the ownership structure, PT Indolife Pensiontama
tercatat sebagai Pemegang Saham Pengendali Bank INA, sementara is recorded as the Controlling Shareholder of Bank INA, while
Bapak Anthoni Salim merupakan Pemegang Saham Pengendali Mr. Anthoni Salim is the Ultimate Shareholder of the Bank. Details
Terakhir Bank. Rincian mengenai Pemegang Saham Pengendali regarding the Bank’s Controlling Shareholder are presented
Bank disajikan sebagai berikut. as follows.
PT Indolife Pensiontama
Alamat Wisma Indocement Lt. 2
Address Jl. Jenderal Sudirman Kav. 70 - 71
Jakarta 12910
T : +62 21 522 4074 (Hunting)
F : +62 21 522 4080
Kepengurusan Dewan Komisaris Direksi
Komisaris Utama : Phiong Philipus Darma Direktur Utama : Andreas S Soedjijanto
Komisaris Independen : Indomen Saragih Direktur : Juli Priyatno
Komisaris Independen : Pramono Margono Direktur : Harry Sumanto Widjaja
Management Board of Commissioners Board of Directors
President Commissioner : Phiong Philipus Darma President Director : Andreas S Soedjijanto
Independent Commissioner : Indomen Saragih Director : Juli Priyatno
Independent Commissioner : Pramono Margono Director : Harry Sumanto Widjaja
Profil Singkat PT Indolife Pensiontama merupakan perusahaan yang bergerak di bidang asuransi jiwa dan dana pensiun. Perusahaan ini
mengawali bisnisnya pada tahun 1991 melalui Surat Keputusan Menteri Keuangan Republik Indonesia No. KEP 585/KM.13/1991.
Sebagai bagian dari kelompok usaha Salim Grup, PT Indolife Pensiontama dikenal memiliki kondisi keuangan yang kuat dan
berkomitmen untuk memberikan pelayanan yang prima bagi para nasabah.
Dengan menjunjung tinggi prinsip kehati-hatian dan solidaritas manajemen yang arif, PT Indolife Pensiontama berkembang
dan bertahan di dalam kancah kompetisi lembaga keuangan yang ketat. Keunggulan PT Indolife Pensiontama yang menjadi
kunci keberhasilan dalam menjalankan usaha adalah low-cost company, yakni kemampuan untuk membuat program-program
asuransi yang memberikan perlindungan bagi para nasabah, serta perlindungan finansial yang optimal. Selain itu, ketepatan
waktu dan kemudahan dalam penyelesaian klaim serta mampu menyelesaikan segala tantangan, memberikan andil yang besar
dalam menjaga kepercayaan nasabah selama ini.
Brief Profile PT Indolife Pensiontama is a company engaged in life insurance and pension funds. This company started its business in 1991
through the Decree of Minister of Finance of the Republic of Indonesia No. KEP 585/KM.13/1991. As part of Salim Group business
group, PT Indolife Pensiontama is known to have a strong financial condition and is committed to providing excellent service to
its customers.
By upholding the principles of prudence and solidarity with wise management, PT Indolife Pensiontama develops and survives
in the intense competition of financial institutions. The advantages of PT Indolife Pensiontama which are the key to success in
running a business are low-cost company, namely the ability to create insurance programs that provide protection for customers,
as well as optimal financial protection. In addition, timeliness and easy settlement of claims as well as being able to solve all
challenges have contributed greatly to maintaining customer trust so far.
Perlakuan yang Sama Terhadap Seluruh Equal Treatment to All Shareholders
Pemegang Saham
Bank INA memastikan bahwa Pemegang Saham Mayoritas dan Bank INA ensures that both Major and Minor Shareholders receive
Minoritas menerima perlakuan yang setara dalam keterbukaan equal treatment in information disclosure to prevent exclusive
informasi, guna mencegah akses eksklusif terhadap inside access to inside information by Major Shareholders. The information
information oleh Pemegang Saham Mayoritas. Fungsi keterbukaan disclosure function at Bank INA is carried out by the Corporate
informasi di Bank INA dijalankan oleh Sekretaris Perusahaan. Secretary.
100 PT Bank Ina Perdana Tbk
Page 103
Laporan Tahunan 2024
2024 Annual Report
Kronologi Penerbitan Saham
Chronology of Share Issuance
Bank INA telah mencatatkan saham di Bursa Efek Indonesia sejak Bank INA has been listed on the Indonesia Stock Exchange
16 Januari 2014. Kronologi pencatatan saham hingga 31 Desember since January 16, 2014. The chronology of share listings up to
2024 disajikan sebagai berikut. December 31, 2024, is presented as follows.
Jumlah
Total Saham
Harga yang Saham Beredar
yang Diterbitkan Nilai Nominal
Tanggal Uraian Ditawarkan (Lembar Saham)
(Lembar Saham) Nominal Value
Date Description Offering Price Number of
Total Issued Shares (Rp)
(Rp) Outstanding Shares
(Shares)
(Shares)
16 Januari 2014 Saham Pendiri
1.559.000.000 - - 1.559.000.000
January 16, 2014 Founder’s Share
16 Januari 2014 Penawaran Umum Perdana
520.000.000 100 240 2.079.000.000
January 16, 2014 Initial Public Offering
Hak Memesan Efek
Terlebih Dahulu
15-21 Juli 2016 (Rights Issue) I 618.750.000 100 240 2.697.750.000
July 15-21, 2016
Pre-emptive Rights
(Rights Issue) I
Hak Memesan Efek
27 Januari 2017-
Terlebih Dahulu
2 Februari 2017
(Rights Issue) II 2.956.625.000 100 240 5.654.375.000
January 27, 2017-
Pre-emptive Rights
February 2, 2017
(Rights Issue) II
Hak Memesan Efek
Terlebih Dahulu
3-9 Desember 2021 (Rights Issue) III 282.718.750 100 4.200 5.937.093.750
December 3-9, 2021
Pre-emptive Rights
(Rights Issue) III
Hak Memesan Efek
Terlebih Dahulu
14-20 Desember 2022 (Rights Issue) IV 197.622.915 100 4.050 6.134.716.665
December 14-20, 2022
Pre-emptive Rights
(Rights Issue) IV
Kronologi Penerbitan Efek Lainnya
Chronology of Other Securities Issuance
Hingga akhir tahun 2024, Bank INA tidak menerbitkan efek selain As of the end of 2024, Bank INA has not issued any securities other
saham di bursa mana pun. than shares on any exchange.
PT Bank Ina Perdana Tbk 101
Page 104
Profil Perusahaan
Company Profile
Entitas Anak, Perusahaan Asosiasi,
dan Perusahaan Ventura
Subsidiaries, Associate Companies, and Venture Companies
Per 31 Desember 2024, Bank INA tidak memiliki Entitas Anak, As of December 31, 2024, Bank INA does not have any Subsidiaries,
perusahaan asosiasi, atau perusahaan ventura, sehingga tidak ada associate companies, or ventures companies; therefore, there is no
informasi yang perlu dilaporkan. information to report.
Struktur Grup
Group Structure
Bank INA tidak memiliki Entitas Anak maupun Entitas Asosiasi, Bank INA does not have any Subsidiaries or Associate Entities;
sehingga informasi mengenai Struktur Grup Bank tidak disajikan therefore, information regarding the Bank Group Structure is not
dalam Laporan Tahunan ini. included in this Annual Report.
Akuntan Publik
Public Accountant
Kantor Akuntan Publik Purwantoro, Sungkoro & Surja (Ernst & Young Indonesia)
Public Accounting Firm
Nama Akuntan Publik Rindra Sulindro
Public Accountant Name
Jl. Jenderal Sudirman, RT.5/RW.3, Senayan
Alamat Kec. Kebayoran Baru, Kota Jakarta Selatan
Address Jakarta 12190
T : +62 21 515 0515
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
Jasa Audit
Audit Service
Audit Laporan Keuangan
Jasa yang Diberikan Audit of Financial Statements
Services Provided
Jasa Non-Audit
Non-Audit Service
-
Jasa Audit
Audit Services
Rp1.311.187.500,-
Biaya
Fee Jasa Non-Audit
Non-Audit Services
-
102 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professions
Informasi Perdagangan dan Pencatatan Saham
Information on Trading and Listing of Shares
Nama PT Bursa Efek Indonesia
Name Indonesia Stock Exchange
Gedung Bursa Efek Indonesia Tower 1
Jl. Jenderal Sudirman Kav. 52-53
Jakarta 12190
Alamat
T : +62 21 515 0515
Address
F : +62 21 515 4153
W : www.idx.co.id
E : listing@idx.co.id
Jasa yang Diberikan Jasa pencatatan tahunan saham
Services Provided Share annual listing service
Biaya
Rp277.500.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
Biro Administrasi Efek
Share Registrar Bureau
Nama
PT Raya Saham Registra
Name
Gedung Plaza Sentral Lt. 2
Jl. Jenderal Sudirman Kav. 47-48
Alamat
Jakarta 12930
Address
T : +62 21 252 5666
W : +62 21 252 5028
Jasa yang Diberikan Pemeliharaan data saham
Services Provided Stock data maintenance
Biaya
Rp44.400.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
Notaris
Notary
Nama
Hannywati Gunawan
Name
Alamat Jl. Mangga besar V No. 10
Address Jakarta Barat
Jasa yang Diberikan Pembelian ruko
Services Provided Purchase of shophouse
Biaya
Rp950.000.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
Notaris
Notary
Nama
Putranto Nur Utomo
Name
Alamat Jl. Kanjeng Dalam No. 36
Address Tangerang, Banten
Jasa yang Diberikan Jasa honorarium Ayda
Services Provided Honorarium service for Ayda
Biaya
Rp77.000.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
PT Bank Ina Perdana Tbk 103
Page 106
Profil Perusahaan
Company Profile
Notaris
Notary
Nama
Gatot Widodo, SE, SH, MKn
Name
Jl. Cikampek No.7
Alamat
Menteng, Kec. Menteng
Address
Jakarta Pusat 10310
Pembuatan Akta Berita Acara RUPS Tahunan dan Berita Acara RUPS Luar Biasa serta Pengurusan Pemberitahuan
Perubahan Data dan Perubahan Anggaran Dasar Bank di Kementerian Hukum dan Hak Asasi Manusia Republik
Jasa yang Diberikan Indonesia (Kemenkumham RI), termasuk pengumumannya dalam Berita Negara Republik Indonesia (BNRI).
Services Provided Preparation of the Deed of Minutes of the Annual GMS and Minutes of the Extraordinary GMS, as well as the handling
of notification for changes to the Bank’s data and Articles of Association at the Ministry of Law and Human Rights of
the Republic of Indonesia, including their announcement in the State Gazette of the Republic of Indonesia (BNRI).
Biaya
Rp44.955.000,-
Fee
Periode Penugasan Juni 2024
Assignment Period June 2024
Konsultan Hukum
Legal Consultant
Nama
Adikara Darmawan & Partners
Name
Jl. KH Mas Mansyur No. 121
Alamat
Karet Tengsin
Address
Tanah Abang, Jakarta Pusat
Jasa yang Diberikan Pendamping jasa hukum
Services Provided Legal services advocate
Biaya
Rp255.000.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
Konsultan Hukum
Legal Consultant
Nama
Law Firm Lucas, SH & Partners
Name
Gedung Wisma Metropolitan I Lt. 14
Alamat
Jl. Jenderal Sudirman Kav 29 No. 31
Address
Jakarta Selatan
Jasa yang Diberikan Pendamping jasa hukum Ayda
Services Provided AYDA’s legal representative
Biaya
Rp1.423.131.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
Konsultan Hukum
Legal Consultant
Nama
Persek Soemarjono Soemarsono & Rekan
Name
Alamat Jl. Sultan Agung No. 62
Address Pasar Manggis, Jakarta Selatan
Jasa yang Diberikan Konsul jasa advokat tetap
Services Provided Permanent advocate service counsel
Biaya
Rp445.110.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
104 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Konsultan Hukum
Legal Consultant
Nama
Persekutuan Perdata Hartamulya, Andryanus, dan Siahaan
Name
Gedung Plaza Sentral Lt. 15
Alamat
Jl. Jenderal Sudirman Blok Kav. 47 RT 003/RW 004
Address
Jakarta Selatan
Jasa yang Diberikan Pendamping jasa hukum debitur
Services Provided Debtor legal representative
Biaya
Rp286.380.000,-
Fee
Periode Penugasan Januari 2024-Desember 2024
Assignment Period January 2024-December 2024
Informasi pada Situs Web Bank
Information on the Bank’s Website
Bank INA secara konsisten mempublikasikan informasi Bank INA consistently publishes up-to-date information through
terkini melalui situs web resmi (www.bankina.co.id), dengan its official website (www.bankina.co.id), adhering to the Financial
pengungkapan yang mengacu pada Peraturan Otoritas Jasa Services Authority Regulation No. 8/POJK.04/2015 concerning
Keuangan No. 8/POJK.04/2015 tentang Situs Web Emiten atau Websites of Issuers or Public Companies.
Perusahaan Publik.
Cakupan Informasi Ketersediaan Keterangan
Information Coverage Availability Remark
Informasi Pemegang Saham sampai dengan pemilik akhir individu. Terdapat di laman Hubungan Investor > Struktur Grup.
Shareholder Information up to the individual ultimate owner. On the Investor Relations page > Group Structure.
Informasi mengenai Isi Kode Etik diungkapkan dalam Laporan
Tahunan yang diunggah pada situs web Bank di laman Hubungan
Isi Kode Etik. Investor > Laporan Tahunan.
Contents of the Code of Conduct. Information regarding the contents of the Code of Conduct is
disclosed in the Annual Report which is uploaded on the Bank’s
website on the Investor Relations > Annual Report page.
Informasi Rapat Umum Pemegang Saham (RUPS) paling kurang
meliputi bahan mata acara yang dibahas dalam RUPS, ringkasan
risalah RUPS, dan informasi tanggal penting yaitu tanggal
pengumuman RUPS, tanggal pemanggilan RUPS, tanggal RUPS,
serta tanggal ringkasan risalah RUPS diumumkan. Terdapat di laman Hubungan Investor > RUPS.
Information on the General Meeting of Shareholders (GMS) at least Available on the Investor Relations page > GMS.
includes agenda items discussed at the GMS, summary of the GMS
minutes, and information on important dates, the date of the GMS
announcement, the date of the GMS invitation, the date of the GMS,
and the date the summary of the GMS minutes is announced.
Laporan Keuangan Tahunan terpisah (5 tahun terakhir). Terdapat di laman Hubungan Investor > Laporan Keuangan.
Separate Annual Financial Statements (last 5 years). Available on the Investor Relations page > Financial Report.
Profil Dewan Komisaris dan Direksi. Terdapat di laman Profil Kami > Manajemen.
Profiles of the Board of Commissioners and Board of Directors. Available on our Profile page > Management.
Pedoman Komite-komite, Unit Audit Internal, Pedoman Penerapan
Piagam/Charter Dewan Komisaris, Direksi, Komite-komite, dan Unit Tata Kelola, serta pedoman lainnya diungkapkan pada laman Profil
Audit Internal. Kami > Pedoman Bank.
Charter of Board of Commissioners, Board of Directors, Committees, Guidelines for Committees, Internal Audit Unit, Guidelines for
and Internal Audit Unit. Implementation of Governance, and other guidelines are disclosed
on our Profile page > Bank Guidelines.
PT Bank Ina Perdana Tbk 105
Page 108
Profil Perusahaan
Company Profile
Wilayah Operasional dan Jaringan
Operational Area and Network
Wilayah Operasional [POJK51-C.3]
Operational Area
Sumatera Utara
North Sumatra
Jakarta
Jawa Tengah
Central Java Jawa Timur
East Java
Banten
Jawa Barat
West Java
Yogyakarta
Denpasar
Alamat Jaringan Kantor Layanan
Service Office Network Address
Status Kantor
Wilayah Nama Cabang Alamat
Region Office Status Address
Branch Name
KC Ariobimo Sentral Gedung Ariobimo Central, Jl. HR Rasuna Said Blok X-2 Kav. 5, Jakarta 12950
KC Melawai Jl. Melawai Raya No. 189 A.2, Kramat Pela, Kebayoran Baru, Jakarta Selatan 12160
KC Kelapa Gading Jl. Boulevard Barat Raya Blok LA-1, No. 16-17, Kelapa Gading, Jakarta Utara 14240
DKI Jakarta
The Suites Tower Lt. Dasar & Mezzanine Jl. Boulevard Pantai Indah Kapuk No. 1 Kav. OFS, Kamal Muara,
KC PIK
Penjaringan, Jakarta Utara 14470
KC Puri Komp. Puri Niaga III Jl. Puri Kencana 1 Blok M8, Kembangan Selatan, Jakarta Barat 11610
106 PT Bank Ina Perdana Tbk
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2024 Annual Report
Kantor Pusat
Head Office
Gedung Ariobimo Sentral
Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5
Jakarta Selatan 12950
+62 21 252 5678
1500738
www.bankina.co.id
corp_sec@bankina.co.id
Sulawesi Tengah
Central Sulawesi
Ambon
Sulawesi Selatan
South Sulawesi
Status Kantor
Wilayah Nama Cabang Alamat
Region Office Status Address
Branch Name
KCP UKRIDA 1 Kampus UKRIDA 1, Jl. Tanjung Duren Raya No. 4, Jakarta Barat 11470
KCP UKRIDA 2 Kampus UKRIDA 2, Jl. Arjuna Utara No. 6, Jakarta Barat 11510
KCP Menara Indomaret Menara Indomaret Lt. 9, Jl. Pantai Indah Kapuk Boulevard No. 1, Kamal Muara, Penjaringan, Jakarta Utara 14470
KCP Abdul Muis Wisma BSG, Jl. Abdul Muis No. 40, Petojo Selatan, Jakarta Pusat 10160
DKI Jakarta
KCP Hayam Wuruk Jl. Hayam Wuruk No. 27, Kebon Kelapa, Gambir, Jakarta Pusat 10120
KCP Bona Indah Jl. Karang Tengah, Perumahan Bona Indah, Blok A2/D Kav. No. 2, Lebak Bulus, Cilandak, Jakarta Selatan 12440
KCP Wisma Indomobil Jl. MT Haryono, Kav. 10, Bidara Cina, Jatinegara, Jakarta Timur 13330
KCP Wisma Indocement Jl. Jenderal Sudirman Kav. 70-71, Setiabudi, Jakarta Selatan 12910
PT Bank Ina Perdana Tbk 107
Page 110
Profil Perusahaan
Company Profile
Status Kantor
Wilayah Nama Cabang Alamat
Region Office Status Address
Branch Name
KCP Wisma 46 Wisma 46, Kota BNI, Suite G.15, Ground Floor, Jl. Jenderal Sudirman Kav. 1, Jakarta Pusat 10220
Sudirman Plaza, Indofood Tower Lt. 1, Jl. Jenderal Sudirman Kav. 76-78, Kuningan, Karet Semanggi,
KCP Sudirman Plaza
Setiabudi, Jakarta Selatan 12910
KCP Soepomo PT Pabrik Kaos Aseli, Jl. Prof. DR. Soepomo, SH No.2, Menteng Dalam, Tebet, Jakarta 12870
DKI Jakarta
KCP Pondok Indah Jl. Sultan Iskandar Muda No. 32G, Kebayoran Lama Selatan, Jakarta Selatan 12780
KCP Sunter Komp. Griya Inti Sentosa Blok A-1 No. 31, Jl. Griya Utama, Tanjung Priok, Jakarta Utara 14350
KCP Indogrosir Cipinang Jl. Pisangan Timur No. 1, Jakarta Timur 13230
KF Indogrosir Kemayoran Jl. Terusan Angkasa Blok B-2 Kav. 1, Jakarta Pusat
KCP GSS Boulevard Jl. Boulevard Raya, Ruko Financial Center, Blok BA2/003, Summarecon Serpong, Tangerang
KCP GSS Penabur Sekolah BPK Penabur, Jl. Raya Kelapa Gading Barat, Serpong, Tangerang
Banten KCP Bumi Serpong Damai Ruko Golden Boulevard, Blok D No. 3, Jl. Pahlawan Seribu No. 7, Serpong Utara, Tangerang Selatan 15310
KCP Indogrosir Cikokol Jl. MH Thamrin, RT 007/RW 006, Cikokol, Tangerang 15117
KF Indogrosir Tangerang Jl. Gatot Subroto KM5 No. 4, Jatiuwung, Tangerang
KC Dago Bandung Jl. Ir. H. Juanda No. 23, Taman Sari, Bandung, Jawa Barat 40116
KC Bogor Jl. Raya Pajajaran No. 8 Sukasari, Bogor Timur 16143
KCP Gatot Subroto Bandung Jl. Gatot Subroto No. 47B, Bandung, Jawa Barat 40273
KCP Indogrosir Karawang Jl. Lingkar Tanjungpura, Nagasari, Karawang Barat 41312
Jawa Barat KCP Indogrosir Bekasi Jl. Baru Terusan I Gusti Ngurahrai, RT 011/RW 012, Bintara, Bekasi Barat 17134
West Java KCP Indogrosir Bogor Jl. Raya Bogor Jakarta KM. 46, Nanggewer Mekar, Cibinong 16912
KCP Indogrosir Ciputat Jl Raya Parung Ciputat No. 21, Bojongsari Baru, Sawangan 16516
KCP Galaxi Pertokoan Taman Galaxi Indah, Jl. Boulevard Blok G No. 16, Bekasi 17147
KCP Indogrosir Sukabumi Jl. Lingkar Selatan No.26, Sudajaya Hilir, Baros Sukabumi 43161
KF Indogrosir Bandung Jl. Ahmad Yani No. 806, Cicaheum, Bandung
KC Semarang Jl. Depok No. 38 D, Kembangsari, Semarang Tengah, Jawa Tengah 50139
KC Tegal Jl. Jenderal Sudirman No. 42, Pekauman, Tegal Barat, Tegal 52125
Jawa Tengah KC Solo Jl. Slamet Riyadi No. 141-143, Solo 57151
Central Java KCP Indogrosir Solo Jl. Raya Solo - Tawangmangu KM 7, Dagen, Jaten, Karanganyar 54554
KCP Pati Jl. Panglima Sudirman Ruko Pati Centre Point Blok C.3, Kel. Pati Lor, Pati 59111
KF Indogrosir Semarang Jl. Raya Kaligawe No. 38, Semarang
KC Yogyakarta Jl. P Diponegoro No. 42, DI Yogyakarta 55233
DI Yogyakarta
KF Indogrosir Yogyakarta Jl. Raya Magelang KM. 6, Yogyakarta
KC Kertajaya Jl. Kertajaya No. 224, Surabaya, Jawa Timur 60286
KC Malang Jl. Let. Jend. S Parman No. 47 A-B, Purwantoro, Blimbing, Jawa Timur 65122
Jawa Timur KC Bukit Darmo Surabaya Ruko Office Park 2 Blok B2, Jl. Bukit Darmo Boulevard 1, Dukuh Pakis, Surabaya 60226
East Java KCP Mayjend Sungkono Jl. Mayjend Sungkono 166 No. 154 GG, Surabaya, Jawa Timur 60225
KCP Indogrosir Malang Jl. Sudanco Supriyadi Kav. 170A, Kebon Sari, Sukun Kota, Jawa Timur 97233
KF Indogrosir Surabaya Jl. Jemursari No. 351, Surabaya
Denpasar KC Denpasar Jl. Gatot Subroto No. 334 C, Denpasar Utara 80233
Sumatera Utara KC Medan Jl. KH Zainul Arifin No. 29/55B, Medan Polonia, Kel. Madras Hulu, Sumatera Utara 20152
North Sumatra KCP Indogrosir Medan Jl. Sisingamangaraja No. 12, Harjosari I, Medan 20229
Sulawesi Selatan KC Makassar Jl. Dr. Wahidin Sudirohusodo No. 1 H Pattunuang, Waju, Makassar 90174
South Sulawesi KF Indogrosir Makassar Jl. Perintis Kemerdekaan KM. 18
Sulawesi Tengah
KC Palu Ruko Palu City Square, Jl. Soekarno Hatta, Kel. Talise, Kec. Mantikulore, Palu, Sulawesi Tengah 94118
Central Sulawesi
KC Ambon Jl. Dr. Setiabudi No. 24, Ahusen, Sirimau, Ambon 97127
Maluku
KCP Indogrosir Ambon Jl. Y Syaranamual, Hunuth/Durian Patah, Teluk Ambon, Maluku 97223
Keterangan: / Remark:
KC : Kantor Cabang KCP : Kantor Cabang Pembantu KF : Kantor Fungsional
Branch Offices Sub-Branch Offices Functional Offices
108 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Pendidikan dan Pelatihan Organ
Tata Kelola Perusahaan
Education and Training of Corporate Governance Organs
Pelatihan Dewan Komisaris
Board of Commissioners’ Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
31 Januari 2024 Refreshment Manajemen Risiko Jenjang 7 Full • Inawaty Handojo PT Finansial Bisnis Informasi
Unit Kompetensi • Yohanes Santoso Wibowo
January 31, 2024 Risk Management Level 7 Full Competency
Unit Refreshment
6-7 Februari 2024 Pembekalan Manajemen Risiko Jenjang 7 Josavia Rachman Ichwan PT Raharja Duta Solusindo
February 6-7, 2024 Risk Management Level 7 Debriefing
7 Februari 2024 Sertifikasi Manajemen Risiko Jenjang 7 Inawaty Handojo Lembaga Sertifikasi Profesional
Perbankan (LSPP)
February 7, 2024 Risk Management Certification Level 7 Banking Professional Certification
Institute (LSPP)
22 Februari 2024 Outlook Ekonomi dan Keuangan di Tahun 2024 Inawaty Handojo OJK Institute
February 22, 2024 2024 Economic and Financial Outlook
23 Februari 2024 Sertifikat Manajemen Risiko Jenjang 7 Josavia Rachman Ichwan LSPP
February 23, 2024 Risk Management Certificate Level 7
23 Februari 2024 Menangkap Peluang di Tengah Perlambatan Yohanes Santoso Wibowo Lembaga Pengembangan Perbankan
Ekonomi Global Indonesia (LPPI)
February 23, 2024 Seizing Opportunities in Amidst the Global Indonesia’s Banking Development
Economic Slowdown Institute (LPPI)
29 Februari 2024 Strategi Mencegah Serangan Siber • Inawaty Handojo OJK Institute
February 29, 2024 Cyberattacks Prevention Strategies • Yohanes Santoso Wibowo
• Josavia Rachman Ichwan
1 Maret 2024 Sertifikasi Manajemen Risiko Jenjang 7 Yohanes Santoso Wibowo LSPP
March 1, 2024 Risk Management Certification Level 7
7 Maret 2024 Webinar Artificial Intelligence Changes the • Inawaty Handojo OJK Institute
March 7, 2024 Face of the Financial Sector • Yohanes Santoso Wibowo
• Josavia Rachman Ichwan
18 Maret 2024 Talk or Sharing Session Edisi 1 • Inawaty Handojo PT Bank Ina Perdana Tbk
March 18, 2024 Talk or Sharing Session, Edition 1 • Yohanes Santoso Wibowo
• Josavia Rachman Ichwan
21-22 Mei 2024 Seminar Penyelarasan Manajemen Risiko • Inawaty Handojo BARa
Jenjang 7 Board of Commissioners • Yohanes Santoso Wibowo
May, 21-22, 2024 Risk Management Level 7 Alignment Seminar, • Josavia Rachman Ichwan
Board of Commissioners
4 Jul 2024 Webinar How to Mitigate Transition and Inawaty Handojo OJK Institute
July 4, 2024 Physical Risks in the Financial Sector
28-29 Agustus 2024 ACIIA Regional Conference Purposeful Impact • Inawaty Handojo Asian Confederation of Institutes of
August 28-29, 2024 • Yohanes Santoso Wibowo Internal Auditors
26 Oktober 2024 Workshop PKPU dan Kepailitan serta Josavia Rachman Ichwan LPPI
Kaitannya dengan Industri
October 26, 2024 PKPU and Bankruptcy Workshop and Its
Relation to the Industry
7 November 2024 Bedah Buku Keamanan Siber Bank Josavia Rachman Ichwan OJK Institute
November 7, 2024 Bank Cybersecurity Book Review
14 November 2024 Indonesia Human Capital and Beyond Summit • Inawaty Handojo One GML
November 14, 2024 2024 • Yohanes Santoso Wibowo
PT Bank Ina Perdana Tbk 109
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Company Profile
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
18 November 2024 Talk or Sharing Session Edisi 1 • Inawaty Handojo PT Bank Ina Perdana Tbk
November 18, 2024 Talk or Sharing Session, Edition 1 • Yohanes Santoso Wibowo
• Josavia Rachman Ichwan
21 November 2024 Strengthening Financial Integrity Advanced Josavia Rachman Ichwan OJK Institute
November 21, 2024 Strategies and Innovations in Anti-Fraud
26 November 2024 Risk and Governance Summit 2024 Yohanes Santoso Wibowo Otoritas Jasa Keuangan
November 26, 2024 Strengthening the GRC Ecosystem in Financial Services Authority
the Financial Sector to Support
the Golden Indonesia 2024 Vision
11 Desember 2024 Prospek Ekonomi Tahun 2025 Mencapai • Yohanes Santoso Wibowo Forum Komunikasi Kepatuhan Perbankan
Indonesia Emas 2045 • Josavia Rachman Ichwan
December 11, 2024 Economic Prospects in 2025 Toward Golden Banking Compliance Communication
Indonesia 2045 Forum
Pelatihan Direksi
Board of Directors’ Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
5 Januari 2024 Silaturahmi Tahun Baru Gubernur Bank Henry Koenaifi Bank Indonesia
Indonesia
January 5, 2024 Bank Indonesia Governor’s New Year
Gathering
16 Januari 2024 Seminar Indonesia’s Climate Risk Forum Adhiputra Tanoyo BARa & Moody’s Analitic Singapore
January 16, 2024 Indonesia’s Climate Risk Forum Seminar
30 Januari 2024 Pertemuan Koordinasi Pusat Pelaporan dan Henry Koenaifi Pusat Pelaporan dan Analisis Transaksi
Analisis Transaksi Keuangan Tahun 2024 Keuangan (PPATK)
January 30, 2024 2024 Financial Transaction Reports and Financial Transaction Reports and
Analysis Center Coordination Meeting Analysis Center (PPATK)
31 Januari 2024 Refreshment Manajemen Risiko Jenjang 7 • Adhiputra Tanoyo PT Finansial Bisnis Informasi
January 31, 2024 Risk Management Level 7 Refreshment • Henry Koenaifi
• Kiung Hui Ngo
• Yulius Purnama Junaedi
6-7 Februari 2024 Pembekalan Materi Jenjang 7 Manajemen Risiko • Yandy Ramadhani PT Raharja Duta Solusindo
February 6-7, 2024 Risk Management Level 7 Material Briefing • Dewi K. Prodjohartono
7 Februari 2024 Sertifikasi Manajemen Risiko Jenjang 7 Henry Koenaifi Lembaga Sertifikasi Profesional
Perbankan (LSPP)
February 7, 2024 Risk Management Certification Level 7 Banking Professional Certification
Institute (LSPP)
16 Februari 2024 Workshop and Engagement Direktorat Digital Yulius Purnama Junaedi PT Bank Ina Perdana Tbk
Banking Tahun 2024
February 16, 2024 2024 Digital Banking Directorate Workshop
and Engagement
19 Februari 2024 Business Sentiment - Indonesia Kiung Hui Ngo The Asean Federation of Accountants
February 19, 2024 and CPA Australia
20 Februari 2024 Pertemuan Tahunan Industri Jasa Keuangan Henry Koenaifi Otoritas Jasa Keuangan
2024 dan Arahan Presiden Republik Indonesia
February 20, 2024 2024 Annual Meeting of Financial Services Financial Services Authority
Industry and Direction from President of
Republic of Indonesia
22 Februari 2024 Outlook Ekonomi dan Keuangan di Tahun 2024 Kiung Hui Ngo OJK Institute
February 22, 2024 2024 Economic and Financial Outlook
23 Februari 2024 Sertifikat Manajemen Risiko Jenjang 7 • Yandy Ramadhani LSPP
February 23, 2024 Risk Management Certificate Level 7 • Dewi K. Prodjohartono
110 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
23 Februari 2024 Sosialisasi Pelaksanaan Bye Laws • Adhiputra Tanoyo Perhimpunan Bank Nasional (Perbanas)
February 23, 2024 Dissemination of Bye Laws Implementation • Kiung Hui Ngo Association of National Commercial
Banks (Perbanas)
27 Februari 2024 Asus Solution Day Beyond Boundaries Yulius Purnama Junaedi Asus
February 27, 2024 Discovering the Next Wave of Technology
1 Maret 2024 Sertifikasi Manajemen Risiko Jenjang 7 • Adhiputra Tanoyo LSPP
March 1, 2024 Risk Management Certification Level 7 • Kiung Hui Ngo
• Yulius Purnama Junaedi
7 Maret 2024 Webinar Artificial Intelligence Changes the Kiung Hui Ngo OJK Institute
March 7, 2024 Face of the Financial Sector
18 Maret 2024 Talk or Sharing Session Edisi 1 • Henry Koenaifi PT Bank Ina Perdana Tbk
March 18, 2024 Talk or Sharing Session, Edition 1 • Yulius Purnama Junaedi
• Kiung Hui Ngo
• Yandy Ramadhani
• Adhiputra Tanoyo
• Dewi K. Prodjohartono
1 April 2024 Infobank Isentia Sharing from Visionary Yulius Purnama Junaedi Infobank
April 1, 2024 Leader Beyond Banking
23 April 2024 Webinar Idea Talks Riset OJK Institute Volume Kiung Hui Ngo Otoritas Jasa Keuangan
6 Tahun 2024
April 23, 2024 Webinar Idea Talks, OJK Institute Research Financial Services Authority
Volume 6 of 2024
26 April 2024 Tantangan Implementasi Undang-Undang Yulius Purnama Junaedi Simian
Perlindungan Data
April 26, 2024 Challenges in Implementing the Data
Protection Laws
27 April 2024 Refreshment Sertifikat Treasury Jenjang 7 Kiung Hui Ngo ACI Financial Market Association of
April 27, 2024 Treasury Certification Level 7 Refreshment Indonesia (ACI FMA)
2 Mei 2024 Webinar How to Prevent Accounting Fraud in Kiung Hui Ngo Otoritas Jasa Keuangan
May 2, 2024 Financial Sector Financial Services Authority
7-8 Mei 2024 Seminar Penyelarasan Manajemen Risiko Adhiputra Tanoyo BARa
Jenjang 7 Board of Directors
May 7-8, 2024 Risk Management Level 7 Alignment Seminar,
Board of Directors
16 Mei 2024 How to Prevent Greenwashing in Sustainable Adhiputra Tanoyo OJK Institute
May 16, 2024 Finance
27 Mei 2024 Banks of Tomorrow (Indonesia) Temenos Yulius Purnama Junaedi Fortress Data Services
May 27, 2024 Connect-FDS
28 Mei 2024 Google Cloud Summit Jakarta Yulius Purnama Junaedi Google
May 28, 2024
4 Juni 2024 Prakonvensi RSKKNI Adhiputra Tanoyo Otoritas Jasa Keuangan
June 4, 2024 RSKKNI Pre-convention Financial Services Authority
5 Juni 2024 Focus Group Discussion FKDKP 2024 Adhiputra Tanoyo Forum Komunikasi Direktur Kepatuhan
Perbankan (FKDKP)
June 5, 2024 Banking Compliance Director’s
Communication Forum (FKDKP)
5-6 Juni 2024 Seminar Penyelarasan Manajemen Risiko • Yulius Purnama Junaedi BARa
Jenjang 7 Board of Directors • Dewi K. Prodjohartono
June 5-6, 2024 Risk Management Level 7 Alignment Seminar,
Board of Directors
6 Juni 2024 Rembuk Nasional Adhiputra Tanoyo PPATK
June 6, 2024 National Dialogue
24 Juni 2024 Kick Off AKUBISA dan Diseminasi Kajian Model Henry Koenaifi Bank Indonesia
Bisnis Pembiayaan UMKM
June 24, 2024 AKUBISA Kick Off and Dissemination of MSME
Financing Business Model Study
PT Bank Ina Perdana Tbk 111
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Profil Perusahaan
Company Profile
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
2 Juli 2024 Economic Outlook 2024 : Peluang Perbankan Henry Koenaifi Infobank
di Tengah Ketidakpastian Ekonomi Global
July 2, 2024 Economic Outlook 2024: Banking
Opportunities Amidst Global Economic
Uncertainties
3-4 Juli 2024 Seminar Penyelarasan Manajemen Risiko • Kiung Hui Ngo BARa
Jenjang 7 Board of Directors • Yandy Ramadhani
July 3-4, 2024 Risk Management Level 7 Alignment Seminar,
Board of Directors
8 Juli 2024 Konvensi Nasional Standar Kompetensi Adhiputra Tanoyo Otoritas Jasa Keuangan
Kerja Nasional Indonesian (RSKKNI)
Bidang Manajemen Risiko Perbankan
July 8, 2024 National Convention on Indonesian National Financial Services Authority
Work Competency Standards (RSKKNI) in
Banking Risk Management Sector
8 Juli 2024 Forum KEPP Kiung Hui Ngo Otoritas Jasa Keuangan
July 8, 2024 KEPP Forum Financial Services Authority
17 Juli 2024 Webinar Penanganan Kejahatan Siber Adhiputra Tanoyo Otoritas Jasa Keuangan
Termasuk Perjudian Daring sebagai Tindak
Pidana Asal Tindak Pidana Pencucian Uang
July 17, 2024 Webinar on Cybercrime Handling, Including Financial Services Authority
Online Gambling as a Crime of Money
Laundering
25 Juli 2024 CxO Forum Banking Update Meningkatkan • Yulius Purnama Junaedi Perbanas
Layanan Perbankan dengan Mengadaptasi • Henry Koenaifi
Peran Artificial Intelligent (AI) dan Machine
Learning serta Memperkokoh Keamanan Siber
July 25, 2024 CxO Banking Update Forum: Improving
Banking Services by Adapting Artificial
Intelligence (AI) and Machine Learning and
Strengthening Cybersecurity
2 Agustus 2024 Festival Ekonomi Keuangan Digital dan Yulius Purnama Junaedi Bank Indonesia
Karya Kreatif Indonesia
August 2, 2024 Indonesian Digital Financial Economy and
Creative Works Festival
9 Agustus 2024 Rapat Kerja Bank INA Digital Yulius Purnama Junaedi PT Bank Ina Perdana Tbk
August 9, 2024 Bank INA Digital Work Meeting
28 Agustus 2024 Central Banking Services Festival 2024 Kiung Hui Ngo Bank Indonesia
August 28, 2024
29 Agustus 2024 Growth Summit Henry Koenaifi Infobank
August 29, 2024
4-5 September 2024 Seminar Penyelarasan Manajemen Risiko Henry Koenaifi BARa
Jenjang 7 Board of Directors
September 4-5, 2024 Risk Management Level 7 Alignment Seminar,
Board of Directors
22-23 Oktober 2024 The Certified Wealth Management Advisor Yulius Purnama Junaedi Momenta Indonesia
October 22-23, 2024 Grandfathering
23-25 Oktober 2024 Prima Gathering Yulius Purnama Junaedi Jaringan Prima - PT Rintis Sejahtera
October 23-25, 2024
1-2 November 2024 Treasury Banking Summit Kiung Hui Ngo PT Bank Rakyat Indonesia (Persero) Tbk
November 1-2, 2024
14 November 2024 Indonesia Human Capital & Beyond Summit Kiung Hui Ngo One GML
November 14, 2024 2024
18 Maret 2024 Talk or Sharing Session Edisi 2 • Henry Koenaifi PT Bank Ina Perdana Tbk
March 18, 2024 Talk or Sharing Session, Edition 2 • Yulius Purnama Junaedi
• Kiung Hui Ngo
• Yandy Ramadhani
• Adhiputra Tanoyo
• Dewi K. Prodjohartono
20 November 2024 Indonesia Risk Management Outlook 2025 • Adhiputra Tanoyo LPPI
November 20, 2024 • Dewi K. Prodjohartono
112 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
20 November 2024 Oliver Wyman Summit Unlocking the Age of Yulius Purnama Junaedi Oliver Wyman
November 20, 2024 Golden Indonesia
28 November 2024 FGD Inisiatif Pengembangan Infrastruktur Yulius Purnama Junaedi Asosiasi Sekolah Perencanaan Indonesia
Data Sistem Pembayaran (ASPI)
November 28, 2024 FGD Payment System Data Infrastructure Indonesian Planning Schools Association
Development Initiative (ASPI)
11 Desember 2024 Prospek Ekonomi Tahun 2025 Mencapai • Dewi K. Prodjohartono Forum Komunikasi Direktur Kepatuhan
Indonesia Emas 2045 • Kiung Hui Ngo Perbankan (FKDKP)
December 11, 2024 Economic Prospects in 2025 Toward Golden • Adhiputra Tanoyo Banking Compliance Communication
Indonesia 2045 Forum (FKDKP)
Pelatihan Komite Audit
Audit Committee’s Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
19 Januari 2024 Sertifikasi Assesor Bidang Manajemen Risiko Dinan Sufendi Rae Badan Nasional Sertifikasi Profesi
(BNSP) & Badan Sertifikasi Manajemen
Risiko (BSMR)
January 19, 2024 Risk Management Assessor Certification National Professional Certification
Agency (BNSP) & Risk Management
Certification Body (BSMR)
9 Februari 2024 Sertifikasi Kualifikasi 7 Bidang Manajemen Risiko Dinan Sufendi Rae BSMR
February 9, 2024 Qualification Certification 7 in Risk Management
14-16 Oktober 2024 Bimbingan Teknis Train on Trainers Materi Dinan Sufendi Rae International Risk Professional
Kualifikasi 7 Bidang Manajemen Risiko Association (IRPA)
October 14-16, 2024 Technical Guidance for Train on Trainers on
the Qualification Material for 7 Areas of Risk
Management
24 Oktober 2024 Training Pemodelan PSAK 109 Antonius Suryanta PT Nexia Indonesia Advisory Services
October 24, 2024 PSAK 109 Modeling Training
Catatan: / Notes:
Pelatihan yang diikuti Bapak Yohanes Santoso Wibowo selaku Ketua Komite Audit diungkapkan pada bagian Pelatihan Dewan Komisaris. / The training attended by Mr. Yohanes Santoso
Wibowo as the Chairman of the Audit Committee is disclosed in the Board of Commissioners’ Training section.
Pelatihan Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee’s Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
18 Maret 2024 Talk or Sharing Session Edisi 1 Liza L. Widyasari PT Bank Ina Perdana Tbk
March 18, 2024 Talk or Sharing Session, Edition 1
8 Mei 2024 Induction for Newcomer Jahja PT Bank Ina Perdana Tbk
May 8, 2024
6 Juni 2024 C Suite Leaders Forum Shaping Organizational Jahja Perhimpunan Manajemen Sumberdaya
Transformations Through AI and Learning Manusia (PMSM) Indonesia
June 6, 2024 Innovations Indonesian Association of Human
Resources Management (PMSM)
8 Agustus 2024 Webinar Strategi Implementasi Market Jahja OJK Institute
Conduct Membangun Kepercayaan dan
Meningkatkan Kinerja IJK
August 8, 2024 Webinar on Market Conduct Implementation
Strategies to Build Trust and Improve FSI
Performance
PT Bank Ina Perdana Tbk 113
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Profil Perusahaan
Company Profile
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
23-24 Agustus 2024 Refreshment Sertifikasi Manajemen Risiko Liza L. Widyasari PT Raharja Duta Solusindo
Jenjang 5
August 23-24, 2024 Risk Management Certification Level 5
Refreshment
15 September 2024 Sertifikasi Manajemen Risiko Jenjang 5 Liza L Widyasari LSPP
September 15, 2024 Risk Management Certification Level 5
18 Oktober 2024 Talk or Sharing Session Edisi 2 Jahja PT Bank Ina Perdana Tbk
October 18, 2024 Talk or Sharing Session, Edition 2
Catatan: / Notes:
Pelatihan yang diikuti Ibu Inawaty Handojo selaku Ketua Komite Nominasi dan Remunerasi serta Bapak Yohanes Santoso Wibowo dan Bapak Josavia Rachman Ichwan selaku Anggota
Komite Nominasi dan Remunerasi diungkapkan pada bagian Pelatihan Dewan Komisaris. / Training attended by Mrs. Inawaty Handojo as Chairman of the Nomination and Remuneration
Committee and Mr. Yohanes Santoso Wibowo and Mr. Josavia Rachman Ichwan as Members of the Nomination and Remuneration Committee are disclosed in the Board of Commissioners
Training section.
Pelatihan Komite Pemantau Risiko
Risk Monitoring Committee’s Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
11 Januari 2024 Connecting the Dots Ivan Purnama Sanoesi OJK Institute
January 11, 2024
6 Februari 2024 Pembekalan Ujian Sertifikasi Manajemen Risiko Ivan Purnama Sanoesi Lembaga Sertifikasi Profesional
Perbankan Jenjang 6 Perbankan (LSPP)
February 6, 2024 Preparation for the Banking Risk Management Banking Professional Certification
Certification Exam Level 6 Institution (LSPP)
29 Februari 2024 Strategi Mencegah Serangan Siber Ivan Purnama Sanoesi OJK Institute
February 29, 2024 Strategy for Preventing Cyber Attacks
7 Maret 2024 Artificial Intelligence Changes the Face of Ivan Purnama Sanoesi OJK Institute
March 7, 2024 Financial Sector
2 Mei 2024 How to Prevent Accounting Fraud in Financial Ivan Purnama Sanoesi OJK Institute
May 2, 2024 Sector
30 Mei 2024 Peluang dan Tantangan Pelindungan Data Ivan Purnama Sanoesi OJK Institute
May 30, 2024 Pribadi dalam Transaksi di Era Digital
Opportunities and Challenges of Personal Data
Protection in Transactions in the Digital Era
7 Juni 2024 Diseminasi Standar Audit Internal Terkini Jacobus Sindu Adisuwono Otoritas Jasa Keuangan & The Institute
of Internal Auditors (IIA) Indonesia
June 7, 2024 Dissemination of the Latest Internal Audit Financial Services Authority & The
Standards Institute of Internal Auditors (IIA)
Indonesia
27 Juni 2024 Peran Innovative Credit Scoring dalam Ivan Purnama Sanoesi OJK Institute
Meningkatkan Akses Pendanaan
June 27, 2024 The Role of Innovative Credit Scoring in
Enhancing Funding Access
4 Juli 2024 How to Mitigate Transition and Physical Risk in Ivan Purnama Sanoesi OJK Institute
July 4, 2024 the Financial Sector
11 Juli 2024 Foresight: Metodologi dan Penggunaannya Ivan Purnama Sanoesi IIA Indonesia
July 11, 2024 Foresight: Methodology and Its Application
15 Juli 2024 Menjaga Kepatuhan Pelaku Usaha Jasa Keuangan Jacobus Sindu Adisuwono Forum Komunikasi Direktur
Kepatuhan Perbankan (FKDKP)
July 15, 2024 Maintaining Compliance of Financial Services Banking Compliance Director
Business Actors Communication Forum (FKDKP)
25 Juli 2024 Driving Corporate Performance through Artificial Ivan Purnama Sanoesi OJK Institute
July 25, 2024 Intelligence
7 Agustus 2024 Pembekalan Ujian Sertifikasi Manajemen Risiko Ivan Purnama Sanoesi BSMR
Perbankan Jenjang 7
August 7, 2024 Preparation for the Banking Risk Management
Certification Exam Level 7
114 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
8 Agustus 2024 Strategi Implementasi Market Conduct: Ivan Purnama Sanoesi OJK Institute
Membangun Kepercayaan dan Meningkatkan
Kinerja Industri Jasa Keuangan
August 8, 2024 Market Conduct Implementation Strategy:
Building Trust and Enhancing the Performance
of the Financial Services Industry
28-29 Agustus 2024 ACIIA Regional Conference Jacobus Sindu Adisuwono IIA Indonesia
August 28-29, 2024
5 September 2024 How to Prevent Money Laundering and Jacobus Sindu Adisuwono Otoritas Jasa Keuangan
September 5, 2024 Terrorism Financing Financial Services Authority
12 September 2024 The Future of Data Analytics in The Financial Ivan Purnama Sanoesi OJK Institute
September 12, 2024 Industry: Trends and Innovations
12 September 2024 Peran dan Tanggung Jawab Komisaris Jacobus Sindu Adisuwono Indonesian Senior Executives
September 12, 2024 Role and Responsibility of Commissioners Association (ISEA)
31 Oktober 2024 EV Insurance, International Best Practices for Ivan Purnama Sanoesi OJK Institute
October 31, 2024 Innovation of New Energy Products and Services Jacobus Sindu Adisuwono
18 November 2024 Climate Reporting in the Financial Statements Ivan Purnama Sanoesi KPMG Indonesia
November 18, 2024
21 November 2024 Strengthening Financial Integrity: Advanced Ivan Purnama Sanoesi OJK Institute
November 21, 2024 Strategies and Innovations in Anti-Fraud
21 November 2024 Advanced Strategies and Innovations in Anti-Fraud Jacobus Sindu Adisuwono Otoritas Jasa Keuangan
November 21, 2024 Financial Services Authority
11 Desember 2024 Prospek Ekonomi Tahun 2025 Jacobus Sindu Adisuwono FKDP
December 11, 2024 Economic Outlook for 2025
Catatan : Pelatihan yang diikuti Ibu Inawaty Handojo selaku Ketua Komite Pemantau Risiko diungkapkan pada bagian Pelatihan Dewan Komisaris.
Notes : The training attended by Mrs. Inawaty Handojo as the Chairwoman of the Risk Monitoring Committee is disclosed in the Board of Commissioners’ Training section.
Pelatihan Departemen Corporate Secretary
Training for the Corporate Secretary Department
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
16 Februari 2024 Pelatihan Sistem Manajemen Keamanan Sukmawaty Andi Syukri Badan Siber dan Sandi Negara (BSSN)
Informasi oleh Badan Siber dan Sandi Negara
February 16, 2024 Information Security Management System Training National Cyber and Encryption
by the National Cyber and Encryption Agency Agency (BSSN)
19 Februari 2024 Sosialisasi Aturan Tarif Efektif Rata-Rata PPh 21 Feliks Suranta Tarigan P2 Humas Kantor Pusat Direktorat
Jenderal Pajak
February 19, 2024 Dissemination of Average Effective Rate Rules for P2 Public Relations of Head Office of
Income Tax 21 Directorate General of Taxes
19 Februari 2024 Peningkatan Awareness Kriteria ASEAN Corporate Feliks Suranta Tarigan Bursa Efek Indonesia
Governance Scorecard Revised Oktober 2023
February 19, 2024 Awareness Raising of ASEAN Corporate Indonesia Stock Exchange
Governance Criteria Revised October 2023
20 Februari 2024 Sistem Manajemen Keamanan Informasi Sukmawaty Andi Syukri BSSN
February 20, 2024 Information Security Management System
28 Februari 2024 Sosialisasi kepada Penerbit Efek Penggunaan • Sukmawaty Andi Syukri PT Kustodian Sentral Efek Indonesia
EASY dan Fasilitas terkait Emiten di KSEI • Priskilla Irene Nirahua
February 28, 2024 Dissemination to Securities Issuers on the Use of
EASY and Issuer-related Facilities in KSEI
7 Maret Pendalaman Peraturan Otoritas Jasa Keuangan • Feliks Suranta Tarigan Indonesia Corporate Secretary
No. 14/POJK.04/2022 tentang Penyampaian • Priskilla Irene Nirahua Association (ICSA)
Laporan Keuangan Berkala Emiten atau
Perusahaan Publik
March 7 In-depth of Financial Services Authority Regulation
No. 14/POJK.04/2022 on the Submission of
Periodic Financial Statements of Issuers or
Public Companies
PT Bank Ina Perdana Tbk 115
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Profil Perusahaan
Company Profile
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
15-16 Maret 2024 Refreshment Manajemen Risiko Jenjang 5 Feliks Suranta Tarigan PT Raharja Duta Solusindo
March 15-16, 2024 Risk Management Level 5 Refreshment
18 Maret 2024 Talk or Sharing Session Edisi 1 Feliks Suranta Tarigan PT Bank Ina Perdana Tbk
March 18, 2024 Talk or Sharing Session, Edition 1
1 April 2024 Pemahaman Peraturan Otoritas Jasa Keuangan • Feliks Suranta Tarigan Asosiasi Emiten Indonesia
No. 4 Tahun 2024 dan Pendalaman Peraturan • Sukmawaty Andi Syukri
Otoritas Jasa Keuangan No. 30 Tahun 2023
April 1, 2024 Understanding the Financial Services Authority Indonesian Public Listed Companies
Regulation No. 4 of 2024 and In-depth of Financial Association
Services Authority Regulation No. 30 of 2023
4 April 2024 Pelaksanaan CSR Berbasis ISO 26000 Feliks Suranta Tarigan ICSA
April 4, 2024 CSR Implementation Based on ISO 26000
25 April 2024 Awareness Perlindungan Data Pribadi Sukmawaty Andi Syukri PT Veda Praxis
April 25, 2024 Personal Data Protection Awareness
7 Mei 2024 Sertifikasi Manajemen Risiko Jenjang 5 Feliks Suranta Tarigan LSPP
May 7, 2024 Risk Management Certification Level 5
8 Mei 2024 Infosec Awareness dengan Agenda Klasifikasi Sukmawaty Andi Syukri Digital Governance
Kontrol Dokumen & ISO27001:2022 Update PT Bank Ina Perdana Tbk
May 8, 2024 Infosec Awareness on Document Control
Classification Agenda & ISO27001:2022 Update
3 Juni 2024 Sosialisasi Peraturan KSEI No. VI-D tentang Feliks Suranta Tarigan PT Kustodian Sentral Efek Indonesia
Biaya Layanan Jasa Sistem Electronic General
Meeting System KSEI (eASY.KSEI)
June 3, 2024 Dissemination of KSEI Regulation No. VI-D
onService Fees for KSEI Electronic General
Meeting System (eASY.KSEI)
26 Juni 2024 Workshop Pelaporan Literasi dan Sukmawaty Andi Syukri Otoritas Jasa Keuangan
Inklusi Keuangan SIPEDULI
June 26, 2024 SIPEDULI Financial Literacy and Financial Services Authority
Inclusion Reporting Workshop
16 Juli 2024 Sosialisasi Pelaporan Penilaian Sendiri Sukmawaty Andi Syukri Sukmawaty Andi Syukri
(Self-Assessment) Melalui Sistem Informasi
Pelaporan Edukasi dan Perlindungan
Konsuman (SiPEDULI)
July 16, 2024 Dissemination of Self-Assessment Reporting via
Education and Consumer Protection Reporting
Information System (SiPEDULI)
30 Juli 2024 Sosialisasi Penerapan Laporan Online Implementasi Sukmawaty Andi Syukri Bank Indonesia
Kegiatan Edukasi Pelindungan Konsumen Bank
Indonesia
July 30, 2024 Dissemination of Implementation of Online
Reports on Consumer Protection Education
Activities Implementation of Bank Indonesia
23-24 Agustus 2024 Refreshment Sertifikasi Manajemen Risiko Sukmawaty Andi Syukri PT Finansial Bisnis Informasi
Jenjang 4
August 23-24, 2024 Risk Management Certification Level 4
Refreshment
30 Agustus 2024 Sosialisasi Kegiatan Bulan Inklusi Keuangan Sukmawaty Andi Syukri Sukmawaty Andi Syukri
Tahun 2024
August 30, 2024 Dissemination of Financial Inclusion Month
Activities 2024
116 PT Bank Ina Perdana Tbk
Page 119
Laporan Tahunan 2024
2024 Annual Report
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
10 September 2024 Peraturan Otoritas Jasa Keuangan Terkait Sukmawaty Andi Syukri Asosiasi Emiten Indonesia
Laporan Berkala :
• Peraturan Otoritas Jasa Keuangan No. 29
Tahun 2016
• Peraturan Otoritas Jasa Keuangan No. 14
Tahun 2022
September 10, 2024 Financial Services Authority Regulations Indonesian Public Listed
Related to Periodic Reports: Companies Association
• Financial Services Authority Regulation
No. 29 of 2016
• Financial Services Authority Regulation
No. 14 of 2022
18 Oktober 2024 Talk or Sharing Session Edisi 2 Feliks Suranta Tarigan PT Bank Ina Perdana Tbk
October 18, 2024 Talk or Sharing Session, Edition 2
29 Oktober 2024 Penyelenggaraan RUPS Secara Elektronik Melalui Sukmawaty Andi Syukri ICSA
eASY KSEI
October 29, 2024 Implementation of Electronic GMS via eASY KSEI
30 Oktober 2024 Workshop Corporate Governance Officer Investor Feliks Suranta Tarigan ICSA
October 30, 2024 Relations Batch 4
Pelatihan Kepala Divisi Manajemen Risiko
Head of Risk Management Division’s Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
19 Februari 2024 Sosialisasi Aturan Tarif Efektif Rata-Rata PPh 21 Ernawati Soegito P2 Humas Kantor Pusat Direktorat
Jenderal Pajak
February 19, 2024 Dissemination of Average Effective Rate Rules for P2 Public Relations of Head Office of
Income Tax 21 Directorate General of Taxes
23-25 Februari 2024 Accessing Personal Genius Ernawati Soegito METAMIND Training Coaching Institute
February 23-25, 2024
16 Maret 2024 Refreshment Manajemen Risiko Jenjang 6 Ernawati Soegito PT Raharja Duta Solusindo
March 16, 2024 Risk Management Level 6 Refreshment
18 Maret 2024 Talk or Sharing Session Edisi 1 Ernawati Soegito PT Bank Ina Perdana Tbk
March 18, 2024 Talk or Sharing Session, Edition 1
27 Maret 2024 Training Upgrade PSAK 71 Perhitungan CKPN Ernawati Soegito ElysianNXT
March 27, 2024 CKPN Calculation PSAK 71 Upgrade Training
24 April 2024 Sertifikasi Manajemen Risiko Jenjang 6 Ernawati Soegito LSPP
April 24, 2024 Risk Management Certification Level 6
18 Oktober 2024 Talk or Sharing Session Edisi 2 Ernawati Soegito PT Bank Ina Perdana Tbk
October 18, 2024 Talk or Sharing Session, Edition 2
PT Bank Ina Perdana Tbk 117
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ANALISIS DAN PEMBAHASAN MANAJEMEN 118 PT Bank Ina Perdana Tbk
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Management
Discussion and Analysis
PT Bank Ina Perdana Tbk 119
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Makroekonomi Global dan Nasional
Global and National Macroeconomic Overview
Tinjauan Perekonomian Global Global Economic Overview
Pada tahun 2024, pertumbuhan ekonomi global diprakirakan In 2024, the global economic growth is projected to slow down to
melambat menjadi 3,2% dari 3,3% pada 2023, dan diperkirakan 3.2% from 3.3% recorded in 2023, and expected to remain at 3.2%
tetap di level 3,2% pada 2025, serta turun ke 3,1% pada 2026 [1]. in 2025 before declining further to 3.1% in 2026 [1]. This condition
Kondisi ini mencerminkan ketidakpastian global yang masih tinggi, reflects the increasingly high global uncertainties, as the geopolitical
di tengah berlanjutnya ketegangan geopolitik dan fragmentasi tensions and fragmentation of the global trade continuous.
perdagangan dunia.
Perekonomian global dihadapkan pada berbagai tantangan, The global economy is facing various challenges, including
termasuk ketegangan geopolitik serta inflasi global yang masih geopolitical tensions, as well as relatively high global inflation,
relatif tinggi, yakni sebesar 5,2%. Tekanan inflasi yang berlanjut of 5.2%. Ongoing inflationary pressures have prompted central
mendorong bank sentral di negara-negara maju untuk tetap banks in the developed countries to remain cautious in easing their
berhati-hati dalam melonggarkan kebijakan moneter [1]. monetary policies [1].
Sejalan dengan hal tersebut, Bank Sentral Amerika Serikat (The In relation with the above, the United States Federal Reserve Bank
Fed) mulai menurunkan suku bunga pada September 2024 sebagai (The Fed) started to lower the interest rates in September 2024 as
langkah untuk mengendalikan inflasi dan menjaga stabilitas an effort to control inflation and maintaining domestic economic
ekonomi domestik. Kebijakan ini menyebabkan penyesuaian stability. This policy led to adjustments in the global investment
portofolio investasi global dan meningkatkan volatilitas nilai tukar, portfolios and increased exchange rate volatility, which in turn
yang turut berdampak terhadap perdagangan internasional. Situasi affecting the international trade. The situation calls for market
ini menuntut pelaku pasar untuk lebih cermat dalam pengambilan movers to be more prudent in making any investment decisions [1].
keputusan investasi [1].
Tinjauan Perekonomian Nasional National Economic Overview
Di tengah tantangan global, perekonomian Indonesia tetap Amidst the global challenges, Indonesia’s economy still showing
menunjukkan ketahanan yang kuat. Berdasarkan data Badan Pusat strong resilience. Based on the data from Statistics Indonesia (BPS),
Statistik (BPS), ekonomi Indonesia tumbuh sebesar 5,03% pada Indonesia’s economy logged a 5.03% growth in 2024, slowing down
tahun 2024, sedikit melambat dibandingkan tahun sebelumnya just a little if compared to the previous year, while still indicating
namun masih mencerminkan pemulihan yang stabil [2]. steady recovery [2].
Pertumbuhan ini ditopang oleh permintaan domestik yang solid, Such growth was backed by solid domestic demand, especially
terutama konsumsi rumah tangga, serta peningkatan ekspor. from the household consumption, as well as an increasing exports.
Dari sisi investasi, tercatat Penanaman Modal Asing (PMA) sebesar While in terms of investment, Foreign Direct Investment (FDI)
Rp232,6 triliun dan Penanaman Modal Dalam Negeri (PMDN) reached Rp232.6 trillion and Domestic Direct Investment (DDI)
sebesar Rp198,8 triliun, mencerminkan kepercayaan investor amounted to Rp198.8 trillion, as a testament of investor confidence
terhadap iklim usaha di Indonesia [3]. Di sisi lain, nilai tukar Rupiah in Indonesia’s business climate [3]. On the other hand, the Rupiah
terhadap Dolar AS tercatat sebesar Rp16.157,- per USD pada akhir exchange rate against the US Dollar weakened to Rp16,157 per
tahun 2024, melemah dibandingkan posisi akhir tahun sebelumnya USD as of end of 2024, compared to Rp15,416 per USD as of end of
sebesar Rp15.416,- per USD [4]. the previous year [4].
120 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Tinjauan Industri Perbankan Nasional
Overview of the National Banking Industry
Kinerja sektor perbankan nasional tetap solid sepanjang tahun Throughout 2024, the performance of national banking sector
2024 di tengah volatilitas global dan tekanan suku bunga tinggi. remained solid, amidst the global market volatility and pressure of
Stabilitas sektor ini tercermin dari rasio alat likuid terhadap dana high interest rate. The stability of the sector is evident from the ratio
pihak ketiga (AL/DPK) sebesar 25,59%, serta rasio kecukupan modal of liquid instruments to Third-Party Funds (AL/DPK) of 25.59%, and
(capital adequacy ratio/CAR) yang mencapai 26,89% [1]. a Capital Adequacy Ratio (CAR) of 26.89% [1].
Sementara itu, kualitas aset tetap terjaga, dengan rasio kredit Meanwhile, the quality of assets remained in check, with gross
bermasalah (non-performing loan/NPL) sebesar 2,19% secara bruto Non-Performing Loan (NPL) ratio of 2.19% and net NPL ratio of
dan 0,75% secara neto. Hal ini menunjukkan bahwa sektor perbankan 0.75%. Both ratios indicate how the banking sector remains resilient
tetap resilien dan mampu menyerap risiko yang timbul [1]. and capable of absorbing the occurring risks [1].
Transaksi ekonomi dan keuangan digital juga terus mengalami The digital economy and financial transactions still experiencing
pertumbuhan signifikan. Jumlah transaksi digital banking significant growth. Digital banking transaction reached 2,228.2 million,
mencapai 2.228,2 juta transaksi atau tumbuh 29,6% (yoy), a 29.6% year-on-year (yoy) increase, while electronic money (e-money)
sedangkan transaksi uang elektronik (UE) mencapai 1.378,2 juta transactions reached 1,378.2 million, a 19.2% yoy [1] growth.
transaksi, tumbuh 19,2% (yoy) [1].
Sumber: Sources:
[1] Laporan Perekonomian Indonesia 2024 – Bank Indonesia. [1] Indonesia Economic Report 2024 – Bank Indonesia.
[2] Berita Resmi Statistik No. 17/02/Th. XXVII, 5 Februari 2025 – Badan Pusat Statistik. [2] Official Statistical Gazette No. 17/02/Th. XXVII, February 5, 2025 – Statistics Indonesia
(BPS).
[3] Siaran Pers No. 53/Sipers/B.8/A.3/2024 – Kementerian Investasi/BKPM. [3] Press Release No. 53/Sipers/B.8/A.3/2024 – Ministry of Investment/ BKPM.
[4] JISDOR – Kurs Tengah Bank Indonesia per 31 Desember 2024. [4] JISDOR – Bank Indonesia Reference Rate as of December 31, 2024.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Operasi per Segmen Usaha
Operational Overview by Business Segment
Kinerja Segmen Operasi Operating Segment Performance
Bank INA mengklasifikasikan segmen operasi berdasarkan jenis Bank INA classifies its operating segment by type of business
kegiatan usaha, meliputi pemasaran dan kredit, treasury dan financial activities, including marketing and loans, treasury and financial
institutions, serta trade finance, sebagaimana dijelaskan berikut. institutions, as well as trade finance, outlined as follows.
(dalam jutaan Rupiah / in million Rupiah)
2023 2024
Uraian Pemasaran Treasury Pemasaran Treasury
Description dan Kredit dan / and Trade dan Kredit dan / and Trade
Total Total
Marketing Financial Finance Marketing Financial Finance
and Loans Institutions and Loans Institutions
PENDAPATAN
INCOME
Pendapatan Bunga
1.168.862 547.891 9.852 1.726.605 1.256.508 625.213 7.398 1.889.119
Interest Income
Pendapatan Operasional Lainnya
3.006 31.983 4.334 39.323 11.786 11.684 3.597 27.067
Other Operating Income
Total Pendapatan
1.171.868 579.874 14.186 1.765.928 1.268.294 636.897 10.995 1.916.186
Total Income
BEBAN
EXPENSES
Beban Bunga
(1.002.121) (14.510) - (1.016.631) (1.152.302) (23.757) - (1.176.059)
Interest Expenses
Beban Operasional Lainnya
(106.051) (11.824) (60) (117.935) (189.263) 381 (16) (188.898)
Other Operating Expenses
Total Beban
(1.108.172) (26.334) (60) (1.134.566) (1.341.565) (23.376) (16) (1.364.957)
Total Expenses
Pendapatan yang tidak dapat
Dialokasikan - - - 19.914 - - - 21.019
Unallocated Income
Beban yang tidak dapat Dialokasikan
- - - (383.745) - - - (472.184)
Unallocated Expenses
Laba Sebelum Pajak
- - - 267.531 - - - 107.463
Income before Tax Expenses
Beban Pajak Penghasilan
- - - (59.655) - - - (25.615)
Tax Expenses
Laba Bersih Tahun Berjalan
- - - 207.876 - - - 81.848
Net Income for the Year
ASET
ASSETS
Aset Segmen
12.382.079 11.517.497 198.332 24.097.908 12.882.852 1.0712.747 335.125 23.930.724
Segment Assets
Aset yang tidak dapat Dialokasikan
- - - 286.672 - - - 506.010
Unallocated Assets
Total Aset
- - - 24.384.580 - - - 24.436.734
Total Assets
LIABILITAS
LIABILITIES
Liabilitas Segmen
19.367.371 1.206.765 97.479 20.671.615 20.172.847 406.535 60.367 20.639.749
Segment Liabilities
Liabilitas yang tidak dapat
Dialokasikan - - - 156.807 - - - 184.011
Unallocated Liabilities
Total Liabilitas
- - - 20.828.422 - - - 20.823.760
Total Liabilities
122 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Segmen Pemasaran dan Kredit Marketing and Loans Segment
Bank INA memiliki berbagai kegiatan pendanaan melalui segmen Bank INA has various funding activities, conducted through the
pemasaran dan kredit, sebagai berikut. marketing and loans segment, as follows.
1. Kegiatan pendanaan, meliputi tabungan, giro, dan deposito 1. Funding activities, including saving accounts, current accounts,
berjangka. and time deposits.
2. Kredit, terbagi menjadi segmen korporasi, komersial, usaha 2. Loans, divided into corporate, commercial, micro, small and
mikro, kecil, dan menengah (SME), konsumer, serta mikro. medium enterprises (SME), consumer, and micro segments.
Aktivitas ini mencakup pembiayaan untuk berbagai kebutuhan These activities include financing of various use, such as
seperti modal kerja, investasi, dan konsumsi. working capital, investment, and consumption.
3. Fee-based income, diperoleh dari aktivitas layanan produk 3. Fee-based income, obtained from banking product/ service
perbankan meliputi layanan payroll, layanan pembayaran activities, including payroll services, tuition/ education payment
uang sekolah/uang pendidikan, layanan pengambilan uang services, money withdrawal services from certain institutions
dari institusi atau instansi tertentu, transaksi melalui ATM, or agencies, transactions through ATMs, bancassurance, and
bancassurance, dan transaksi layanan digital. digital services transactions.
Kinerja segmen pemasaran dan kredit Bank diungkapkan pada The performance of the Bank’s marketing and loans segment is
tabel sebagai berikut. disclosed in the following table.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Pendapatan Bunga 1.168.862 1.256.508 87.646 7,50 Interest Income
Pendapatan Operasional Lainnya 3.006 11.786 8.780 292,08 Other Operating Income
Total Pendapatan 1.171.868 1.268.294 96.426 8,23 Income
Beban (1.108.172) (1.341.565) 233.393 21,06 Expenses
Total Aset 12.382.079 12.882.852 500.773 4,04 Total Assets
Total Liabilitas 19.367.371 20.172.847 805.476 4,16 Total Liabilities
Pendapatan Bank INA dari segmen pemasaran dan kredit tahun In 2024, Bank INA’s income from the marketing and loans segment
2024 tercatat sebesar Rp1,26 triliun, meningkat sebesar 8,23% was recorded at Rp1.26 trillion, a 8.23% increase or Rp96.43 billion
atau Rp96,43 miliar dibandingkan tahun sebelumnya yang sebesar compared to Rp1.17 trillion in the previous year. Expenses from
Rp1,17 triliun. Beban dari segmen ini juga meningkat sebesar this segment also increase by 21.06% or Rp233.39 billion, from
21,06% atau Rp233,39 miliar, dari semula Rp1,10 triliun menjadi Rp1.10 trillion to Rp1.34 trillion.
Rp1,34 triliun.
Di sisi lain, total aset segmen pemasaran dan kredit tahun 2024 Meanwhile, total assets of the marketing and loans segment in
tercatat sebesar Rp12,88 triliun, meningkat 4,04% atau Rp500,77 2024 reached Rp12.88 trillion, a 4.04% increase or Rp500.77 billion
miliar dibandingkan tahun 2023 yang sebesar Rp12,38 triliun. compared to Rp12.38 trillion in 2023. Total liabilities also increased
Total liabilitas juga meningkat menjadi Rp20,17 triliun, dari semula to Rp20.17 trillion, from Rp19.37 trillion previously.
Rp19,37 triliun.
Treasury dan Financial Institutions Treasury and Financial Institutions
Bank INA mengelola transaksi treasury secara menyeluruh Bank INA manages treasury transactions bank wide by dividing
(bankwide) dengan membaginya ke dalam 2 kategori portofolio, them into 2 portfolio categories, namely trading book and banking
yakni trading book dan banking book. Trading book mencakup book. The trading book includes all of the Bank’s trading positions
seluruh posisi perdagangan Bank pada instrumen keuangan yang in financial instruments recorded both in the balance sheets and in
tercatat dalam neraca dan rekening administratif, yang bertujuan administrative accounts, aimed to obtain profits in the short-term.
meraih keuntungan jangka pendek. Sementara itu, banking On the other hand, the banking book covers all of the positions
book mencakup seluruh posisi yang bertujuan untuk memenuhi intended to fulfill liquidity needs and optimal management of
kebutuhan likuiditas serta mengelola aset dan liabilitas secara assets and liabilities.
optimal.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Produk treasury yang ditransaksikan di pasar uang meliputi: The treasury products traded in the money market, include:
1. Transaksi Pasar Uang (Money Market) 1. Money Market Transactions
Merupakan transaksi penempatan/peminjaman dana Transactions of placing/borrowing funds (call money) between
(call money) antar bank dan transaksi dengan Bank Indonesia, banks and transactions with Bank Indonesia, such as Deposit
yang mencakup Deposit Facility (FASBI), Term Deposit, Reverse Facility (FASBI), Term Deposit, Reverse Repo and Repo, Bank
Repo, Repo, Sekuritas Rupiah Bank Indonesia, dan Sekuritas Indonesia Rupiah Securities, and Bank Indonesia Foreign
Valas Bank Indonesia. Currency Securities.
2. Transaksi Valuta Asing (Foreign Exchange) 2. Foreign Exchange Transactions
Meliputi transaksi lindung nilai (hedging), investasi, dan Consist of hedging, investment, and trading transactions, both
trading, baik untuk posisi Bank maupun nasabah. Produk yang for Bank positions or customer positions. The traded products
ditransaksikan mencakup Today, Tom, Spot, Forward, Swap, include Today, Tom, Spot, Forward, Swap and Domestic Non
dan Domestic Non-Delivery Forward. Selain itu, transaksi Bank Delivery Forward transactions. Also, Bank Notes transactions
Notes juga aktif untuk kebutuhan hedging dan remittance. are also active for hedging and remittances.
3. Transaksi Fixed Income 3. Fixed Income Transactions
Meliputi transaksi surat berharga yang diterbitkan oleh Consist of transactions of securities, both issued by the
Pemerintah (Surat Berharga Negara) dan perusahaan Government (Government Securities) and by companies
(Obligasi Korporasi) untuk memenuhi rasio intermediasi (Corporate Bonds), aiming to meet the Macroprudential
makroprudensial (RIM), rasio pembiayaan inklusif Intermediation Ratio (RIM), Macroprudential Inclusive
makroprudensial (RPIM), dan optimalisasi laba. Sejak 2021, Financing Ratio (RPIM), and profit optimization. Since 2021,
transaksi Surat Berharga Negara dapat dilakukan oleh nasabah retail customers can also make transactions of Government
retail di pasar sekunder (secondary market). Selanjutnya, mulai on the secondary market. Further, starting 2024, the Bank also
tahun 2024, Bank juga menjalin kerja sama dengan PT Trimegah collaborating with PT Trimegah Sekuritas Indonesia Tbk as a
Sekuritas Indonesia Tbk sebagai sub-mitra distribusi dalam distribution sub-partner for the sales of Government Securities
penjualan Surat Berharga Negara di pasar primer (primary in the primary market, through mobile banking facility.
market) melalui fasilitas mobile banking.
Sementara itu, aktivitas financial institutions meliputi: The financial institutions activities, include:
1. Pembukaan Rekening Nostro pada bank-bank domestik dan 1. Opening a Nostro Account at other banks domestically/
internasional dengan mata uang USD, EUR, GBP, JPY, HKD, overseas, which includes currencies: USD, EUR, GBP, JPY, HKD,
SGD, AUD, dan CNY. Rekening Nostro dibuka di BNI New York, SGD, AUD and CNY. The Nostro Account is opened at BNI New
BRI New York, BNI London, BNI Tokyo, BNI Hong Kong, DBS York, BRI New York, BNI London, BNI Tokyo, BNI Hong Kong,
Singapore, Mandiri Shanghai, BCA untuk AUD, di Mandiri dan DBS Singapore, Mandiri Shanghai, BCA for AUD, at Mandiri and
BCA untuk settlement dalam negeri (khusus USD); serta BCA for domestic settlement (USD specific); and
2. Melakukan analisis dan pembukaan counterparty limit pada 2. Analyzing and opening counterparty limit at banks and other
bank serta institusi keuangan non-bank lainnya. Bank juga non-bank financial institutions. The Bank also conducting
secara berkala melakukan review untuk memastikan risiko regular reviews to ensure the risks are always under control.
tetap terkendali.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Pendapatan Bunga 547.891 625.213 77.322 14,11 Interest Income
Pendapatan Operasional Lainnya 31.983 11684 (20.299) (63,47) Other Operating Income
Total Pendapatan 579.874 636.897 57.023 9,83 Income
Beban (26.334) (23.376) (2.958) (11,23) Expenses
Total Aset 11.517.497 10.712.747 (804.750) (6,99) Total Assets
Total Liabilitas 1.206.765 406.535 (800.230) (66,31) Total Liabilities
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Laporan Tahunan 2024
2024 Annual Report
Pendapatan Bank INA dari segmen treasury dan financial institutions In 2024, Bank INA’s income from the treasury and financial
tahun 2024 tercatat sebesar Rp636,90 miliar, meningkat sebesar institutions segment was recorded at Rp636.90 billion, a 9.83%
9,83% atau Rp56,292 miliar dibandingkan tahun sebelumnya increase or Rp56.292 billion compared to Rp579.87 billion in the
sebesar Rp579,87 miliar. Sementara itu, beban segmen ini menurun previous year. Meanwhile, expenses of this segment decreased by
sebesar 11,23% atau Rp2,96 miliar, dari semula Rp26,33 miliar 11.23% or Rp2.96 billion, from Rp26.33 billion to Rp23.38 billion.
menjadi Rp23,38 miliar.
Di sisi lain, segmen treasury dan financial institutions mencatat On the other hand, the treasury and financial institutions segment
penurunan total aset sebesar 6,99% atau Rp804,75 miliar, dari recorded a 6.99% decrease in total assets or Rp804.75 billion,
Rp11,52 triliun pada tahun 2023 menjadi Rp10,71 triliun pada tahun from Rp11.52 trillion in 2023 to Rp10.71 trillion in 2024. Total
2024. Total liabilitas segmen ini juga menurun, dari Rp1,21 triliun liabilities of this segment also decreased, from Rp1.21 trillion to
menjadi Rp406,54 miliar. Rp406.54 billion.
Segmen Trade Finance Trade Finance Segment
Kinerja segmen trade finance Bank diungkapkan pada tabel sebagai The performance of the Bank’s trade finance segment is disclosed
berikut. in the following table.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Pendapatan Bunga 9.852 7.398 (2.454) (24,91) Interest Income
Pendapatan Operasional Lainnya 4.334 3.597 (737) (17,01) Other Operating Income
Total Pendapatan 14.186 10.995 (3.191) (22,49) Income
Beban (60) (16) (44) (73,33) Expenses
Total Aset 198.332 335.125 136.793 68,97 Total Assets
Total Liabilitas 97.479 60.367 (37.112) (38,07) Total Liabilities
Pada tahun 2024, pendapatan Bank INA dari segmen trade In 2024, Bank INA’s income from the trade finance segment was
finance tercatat sebesar Rp10,99 miliar, menurun sebesar 22,49% recorded at Rp10.99 billion, a 22.49% decrease or Rp3.19 billion
atau Rp3,19 miliar dibandingkan tahun sebelumnya sebesar compared to Rp14.19 billion in the previous year. Expenses of
Rp14,19 miliar. Beban dari segmen ini juga tercatat menurun this segment also decreased by 73.33% or Rp44 million, from
sebesar 73,33% atau Rp44 juta, dari semula Rp60 juta menjadi Rp60 million to Rp16 million.
Rp16 juta.
Di sisi lain, total aset segmen trade finance mengalami peningkatan On the other hand, the total assets of the trade finance segment
sebesar 68,97% atau Rp136,79 miliar, dari Rp198,33 miliar increased by 68.97% or Rp136.79 billion, from Rp198.33 billion
di tahun 2023 menjadi Rp335,12 miliar di tahun 2024. Sementara in 2023 to Rp335.12 billion in 2024. Meanwhile, total liabilities
itu, total liabilitas menurun menjadi Rp60,37 miliar, dari semula decreased to Rp60.37 billion, from Rp97.48 billion.
Rp97,48 miliar.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Aspek Pemasaran
Marketing Aspect
Strategi Pemasaran Marketing Strategy
Selama tahun 2024, Bank INA terus mengembangkan strategi Throughout 2024, Bank INA has developed a marketing strategy to
pemasaran guna meningkatkan penjualan produk dan kualitas increase sales of products and improve the quality of service for
layanan kepada nasabah. Strategi pemasaran yang diterapkan customers. The marketing strategy implemented as follows:
mencakup:
1. Meningkatkan pertumbuhan jaringan kantor baru serta 1. Increasing the growth of new office networks and optimizing
mengoptimalkan bisnis dari kantor cabang yang sudah ada the business of existing branch offices to increase customer
untuk meningkatkan pertumbuhan nasabah, pertumbuhan growth, funding growth with controlled cost of funds (COF), and
pendanaan dengan biaya dana (COF) yang terkendali, serta healthy financing growth. All potential market segments will
pertumbuhan pembiayaan yang sehat. Seluruh potensi be optimized to increase the business growth of each branch
segmen pasar akan dioptimalisasikan untuk meningkatkan network to increase mutual growth between customers and the
pertumbuhan bisnis dari setiap jaringan kantor cabang Bank;
sehingga dapat meningkatkan pertumbuhan bersama antara
nasabah dan Bank;
2. Mengoptimalisasi pertumbuhan pendanaan nasabah ritel 2. Optimizing retail customer funding growth by collaborating
dengan melakukan kolaborasi ekosistem, antara lain melalui: with ecosystems, among others through:
a. Nasabah komuniti dan payroll yang ada di dalam ekosistem a. Community and payroll customers within the group’s
grup, nasabah lending, dan nasabah korporasi yang didukung ecosystem, lending customers, and corporate customers
oleh internet banking untuk membantu kemudahan nasabah supported by internet banking to assist customers’
dalam layanan perbankan lainnya; dan convenience in other banking services; and
b. Nasabah yang terhubung dengan ekosistem baik sebagai b. Customers who are connected to the ecosystem either as
buyer atau supplier; buyers or suppliers;
3. Mendukung pertumbuhan berkelanjutan lewat program Tabina 3. Supporting sustainable growth through Tabina Green Banking
Green Banking yang memberikan nilai tambah berbasis zero program that provides added value based on zero carbon
emisi karbon, seperti mobil atau motor listrik, solar panel untuk emission, such as electric cars or motorcycles, solar panels for
nasabah; customers;
4. Melakukan kerja sama dengan penyedia platform untuk 4. Collaborating with platform providers to distribute Digital
penyaluran Pinjaman Digital kepada UMKM; Loans to MSMEs;
5. Melakukan kerja sama dengan Peer to Peer Lending dan Venture 5. Collaborating with Peer-to-Peer Lending and Venture Capital to
Capital untuk meningkatkan penyebaran kredit usaha mikro; increase the spread of micro business loans;
6. Melanjutkan potensi kerja sama dengan mitra kerja sama 6. Continuing potential cooperation with partners in payment
pembayaran melalui virtual account, mesin EDC, merchant cooperation through virtual accounts, EDC machines, QRIS
QRIS, serta penyelenggaraan internet banking dan mobile merchants, as well as the implementation of internet banking
banking; and mobile banking;
7. Membangun strategi corporate & retail marketing 7. Building a corporate & retail marketing communications
communications, melalui: strategy, through:
a. Pembaharuan dari feel & look pada semua bank touch a. Updating feel & look at all bank touch points for
points untuk sosialisasi Bank INA members of Salim Group; dissemination of Bank INA members of Salim Group;
b. Melakukan promosi pemasaran digital melalui media b. Conducting digital marketing promotions via social media
sosial (Facebook dan Instagram) serta melengkapi (Facebook and Instagram) and completing information
informasi berbagai produk dan layanan pada situs web on various products and services on the Bank’s website
Bank (bankina.co.id); (bankina.co.id);
c. Melakukan aktivitas promosi baik, online maupun offline c. Carrying out promotional activities both online and offline
sebagai media branding untuk meningkatkan awareness as branding media to increase awareness of the Bank and
terhadap Bank dan program-programnya; its programs;
126 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
8. Membangun brand awareness & digital marketing 8. Building brand awareness & digital marketing communications,
communications, melalui: through:
a. Menyelenggarakan launching layanan digital; a. Organizing the launch of digital services;
b. Melakukan aktivitas edukasi dan promosi secara online b. Carrying out educational and promotional activities online
maupun offline ke komunitas-komunitas UMKM; dan and offline to MSME communities; and
c. Melakukan promosi pemasaran digital melalui media c. Carrying out digital marketing promotions through
sosial, seperti Facebook, Instagram, Tiktok, dan Youtube, social media, such as Facebook, Instagram, Tiktok, and
serta melengkapi informasi produk dan layanan digital YouTube, as well as completing digital product and service
pada situs web binadigital.id. information on the binadigital.id website.
9. Melanjutkan pertumbuhan akuisisi tenaga pemasaran untuk 9. Continuing the growth of sales force acquisition for several
beberapa kantor cabang dan sales performance tracking untuk branches and sales performance tracking to measure
mengukur kinerja pencapaian; achievement performance;
10. Mengadakan kerja sama alih daya pekerjaan dengan 10. Organizing outsourcing cooperation with service provider
perusahaan penyedia jasa untuk melakukan pemasaran companies to conduct direct sales to expand the Bank’s
(direct sales) dalam rangka memperluas jangkauan pemasaran marketing reach and business growth; and
dan pertumbuhan bisnis Bank; serta
11. Menyelenggarakan kegiatan literasi dan inklusi keuangan untuk 11. Organizing financial literacy and inclusion activities for the
masyarakat, baik yang dilakukan secara nasional bersama community, both nationally with the Financial Services
Otoritas Jasa Keuangan maupun secara internal Bank. Authority and internally within the Bank.
Pangsa Pasar Market Share
Data pangsa pasar yang disajikan dalam Laporan Tahunan ini The market share data presented in this Annual Report is Bank INA’s
merupakan pangsa pasar Bank INA dengan industri perbankan dan market share with the banking industry and bank groups based on
kelompok bank berdasarkan modal inti (KBMI) I (kelompok bank core capital (KBMI) I (commercial bank groups with a minimum core
umum dengan modal inti minimum Rp6 triliun). Kondisi pangsa capital of Rp6 trillion). The condition of the Bank’s market share in
pasar Bank dalam 2 tahun terakhir diungkapkan sebagai berikut. the past 2 years is disclosed as follows.
Kinerja Bank INA Perdana Dibanding Rata-Rata Industri Perbankan
Performance of Bank INA Perdana Compared to Banking Industry Average
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless stated otherwise)
2023 2024
Uraian Pangsa Pasar Pangsa Pasar Description
Bank INA Industri Bank INA Industri
Market Share Market Share
Perdana Industry Perdana Industry
(%) (%)
Aset 24.384 11.765.838 0,21 24.437 12.460.955 0,20 Assets
Kredit 12.677 7.186.935 0,18 13.150 7.942.947 0,17 Loans
Dana Pihak Ketiga 19.316 8.457.929 0,23 20.127 8.837.242 0,23 Thirt-Party Funds
Kinerja Bank INA Perdana Dibanding Rata-Rata KBMI I
Performance of Bank INA Perdana Compared to KBMI I Average
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless stated otherwise)
2023 2024
Uraian Pangsa Pasar Pangsa Pasar Description
Bank INA Industri Bank INA Industri
Market Share Market Share
Perdana Industry Perdana Industry
(%) (%)
Aset 24.384 1.377.863 1,77 24.437 1.447.345 1,69 Assets
Kredit 12.677 754.649 1,68 13.150 810.760 1,61 Loans
Dana Pihak Ketiga 19.316 918.307 2,10 20.127 974.815 2,06 Thirt-Party Funds
Sumber: Statistik Perbankan Indonesia Desember 2024.
Sources: Indonesian Banking Statistics December 2024.
PT Bank Ina Perdana Tbk 127
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Keuangan
Financial Overview
Analisis dan pembahasan kinerja keuangan berikut disusun The analysis and discussion of financial performance is prepared
berdasarkan Laporan Keuangan PT Bank Ina Perdana Tbk untuk based on the Financial Statements of PT Bank Ina Perdana Tbk for
tahun yang berakhir pada tanggal 31 Desember 2024. Laporan the year ended December 31, 2024. The report has been audited by
keuangan tersebut telah diaudit oleh Kantor Akuntan Publik Public Accounting Firm Purwantono, Sungkoro & Surya, a member
Purwantono, Sungkoro & Surya, anggota dari jaringan global of Ernst & Young global network, rendering unqualified opinion, in
Ernst & Young, dan memperoleh opini wajar, dalam semual hal all material respects, covering the Statement of Financial Position,
yang material, mencakup Laporan Posisi Keuangan, Laporan Laba Statement of Profit or Loss and Other Comprehensive Income,
Rugi dan Penghasilan Komprehensif Lain, Laporan Perubahan Report on Changes in Equity, and a Statement of Cash Flows for the
Ekuitas, serta Laporan Arus Kas untuk periode yang berakhir pada year ended December 31, 2024, and have been prepared in line with
31 Desember 2024, dan telah disusun sesuai dengan Standar the applicable Indonesian Financial Accounting Standards.
Akuntansi Keuangan yang berlaku di Indonesia.
Laporan Laba Rugi dan Penghasilan Komprehensif Lain
Statement of Profit or Loss and Other Comprehensive Income
Laba Bersih dan Laba per Saham
Net Income and Earnings per Share
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Pendapatan Bunga 1.726.605 1.889.119 162.514 9,41 Interest Income
Beban Bunga (1.016.631) (1.176.059) 159.428 15,68 Interest Expense
Pendapatan Bunga - Neto 709.974 713.060 3.086 0,43 Interest Income - Net
Pendapatan Operasional Lainnya 59.237 48.086 (11.151) (18,82) Other Operating Income
Beban Operasional Lainnya (501.680) (653.683) 152.003 30,30 Other Operating Expense
Laba Sebelum Beban Pajak 267.531 107.463 (160.068) (59,83) Income Before Tax Expense
Beban Pajak - Neto (59.655) (25.615) (34.040) (57,04) Tax Expense - Net
Laba Bersih Tahun Berjalan 207.876 81.848 (126.028) (60,63) Net Income for the Year
Pos-Pos yang tidak akan Items that will not be
(1.094) 815 1.909 174,50
Direklasifikasi ke Laba Rugi Reclassified to Profit or Loss
Pos-Pos yang akan Direklasifikasi Items that may be Reclassified
61.288 (25.847) (87.135) (142,17)
ke Laba Rugi to Profit or Loss
Pendapatan (Beban)
Other Comprehensive Loss
Komprehensif Lainnya Tahun 60.194 (25.032) (85.226) (141,59)
(Income) for the Year - Net of Tax
Berjalan - Setelah Pajak
Total Penghasilan Komprehensif Total Comprehensive Income
268.070 56.816 (211.254) (78,81)
Tahun Berjalan for the Year
Pada tahun 2024, laba bersih tahun berjalan tercatat sebesar In 2024, net income for the year was recorded at Rp81.85 billion,
Rp81,85 miliar, menurun 60,63% dibandingkan dengan tahun buku a 60.63% decrease compared to Rp207.88 billion of the financial
2023 sebesar Rp207,88 miliar. Jumlah rata-rata tertimbang saham year 2023. The weighted average number of shares at the end of
pada akhir Desember 2024 adalah 13,34 lembar sehingga laba December 2024 is 13.34 shares, resulting in earnings per share (EPS)
bersih per saham (earnings per share/EPS) mengalami penurunan decreasing from Rp33.89 per share in 2023 to Rp13.34 per share in
dari Rp33,89 per lembar saham pada tahun 2023 menjadi 2024.
Rp13,34 per lembar saham pada tahun 2024.
128 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Pendapatan (Beban) Komprehensif Lainnya Other Comprehensive Income (Loss) - Net
Tahun Berjalan - Setelah Pajak dan Total (Rugi) of Tax and Total Comprehensive (Loss) Income
Penghasilan Komprehensif Tahun Berjalan for the Year
Pada tahun 2024, beban komprehensif lain tahun berjalan setelah In 2024, other comprehensive loss for the year net of tax
pajak tercatat sebagai beban sebesar Rp25,03 miliar, berbanding was recorded as Rp25.03 billion of expense, in contrast from
terbalik dengan tahun 2023 yang membukukan pendapatan Rp60.19 billion of income logged in 2023. The remeasurement of
sebesar Rp60,19 miliar. Pos pengukuran kembali atas liabilitas employee benefits liabilities, which is included in items that will not
imbalan kerja, yang termasuk dalam pos-pos yang tidak akan be reclassified to the income statement, experienced a significant
direklasifikasi ke Laporan Laba Rugi, mengalami peningkatan increase of Rp1.91 billion or 174.50%, from Rp1.09 billion loss in
signifikan sebesar Rp1,91 miliar atau 174,50%, dari rugi 2023 to Rp815 million profit in 2024. Meanwhile, in the items that
Rp1,09 miliar pada 2023 menjadi laba Rp815 juta pada 2024. will be reclassified to the income statement, there are unrealized
Sementara itu, pada pos-pos yang akan direklasifikasi ke loss on the fair value changes of available-for-sale securities
Laporan Laba Rugi, tercatat kerugian belum terealisasi atas amounted to Rp25.85 billion, following the Rp61.29 billion gain
perubahan nilai wajar efek-efek yang tersedia untuk dijual sebesar recorded in 2023.Thus, the total comprehensive income for the
Rp25,85 miliar, setelah sebelumnya mencatat laba sebesar year was recorded at Rp56.82 billion, a Rp211.25 billion decrease
Rp61,29 miliar pada 2023. Dengan demikian, total penghasilan or 78.81% compared to Rp268.07 billion that was recorded in the
komprehensif tahun berjalan tercatat sebesar Rp56,82 miliar, previous year.
menurun sebesar Rp211,25 miliar atau 78,81% dibandingkan
dengan tahun sebelumnya yang mencapai Rp268,07 miliar.
Pendapatan Bunga - Neto
Interest Income - Net
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
PENDAPATAN BUNGA
INTEREST INCOME
Kredit 1.168.862 1.256.508 87.646 7,50 Loans
Efek-Efek 279.133 407.019 12.886 45,82 Marketable Securities
Penempatan pada Bank Indonesia Placement with Bank Indonesia
104.034 96.966 (7.068) (6,79)
dan Bank Lain and Other Banks
Giro pada Bank Indonesia d Current Accounts with Bank
12.191 10.873 (1.318) (10,81)
an Bank Lain Indonesia and Other Banks
Tagihan Anjak Piutang 9.852 7.398 (2.454) (24,91) Factoring Receivables
Efek-Efek yang Dibeli dengan Securities Purchased Under
152.533 110.355 (42.178) (27,65)
Janji Dijual Kembali Resale Agreements
Total Pendapatan Bunga 1.726.605 1.889.119 162.514 9,41 Total Interest Income
BEBAN BUNGA
INTEREST EXPENSE
Simpanan dari Nasabah 960.402 1.104.977 144.575 15,05 Deposits from Customers
Simpanan dari Bank Lain 13.595 17.653 4.058 29,85 Deposits from Other Banks
Premi Lembaga Penjamin Nasabah 37.722 42.673 4.951 13,12 Deposit Insurance Agency Premium
Lain-Lain 4.912 10.756 5.844 118,97 Others
Total Beban Bunga 1.016.631 1.176.059 159.428 15,68 Total Interest Expense
TOTAL PENDAPATAN BUNGA - NETO 709.974 713.060 3.086 0,43 TOTAL INTEREST INCOME - NET
Pada tahun 2024, pendapatan bunga - neto mencapai Rp713,06 In 2024, net interest income reached Rp713.06 billion, a 0.43%
miliar, meningkat sebesar 0,43% dibandingkan periode yang sama increase compared to Rp709.97 billion of the same period in 2023.
di tahun 2023 sebesar Rp709,97 miliar. Hal ini terutama karena This is mainly due to the increase in interest income in segments
pendapatan bunga pada segmen selain kredit atau pendapatan other than credit or interest income from treasury, such as income
bunga dari treasury mengalami kenaikan, seperti pendapatan from marketable securities, placement with other banks, and
marketable securities, placement with other bank, dan current current accounts with banks.
account with bank.
PT Bank Ina Perdana Tbk 129
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pendapatan Bunga Interest Income
Pada tahun 2024, pendapatan bunga mencapai Rp1,89 triliun, Interest income in 2024 reached Rp1.89 trillion, 9.41% increase or
meningkat sebesar 9,41% atau Rp162,51 miliar dari tahun Rp162.51 billion from Rp1.73 trillion in the previous year. Interest
sebelumnya yang sebesar Rp1,73 triliun. Pendapatan bunga kredit income from loans contributed 66.51% of total interest income.
berkontribusi 66,51% terhadap total pendapatan bunga.
Sementara itu, penempatan dalam efek-efek serta penempatan pada Meanwhile, placements in securities and placements with Bank
Bank Indonesia dan Bank lain masing-masing memberikan kontribusi Indonesia and other Banks contributed 21.55% and 5.13%,
sebesar 21,55% dan 5,13% dari total pendapatan bunga Bank. respectively, to the Bank’s total interest income.
Pada tahun 2024, pendapatan bunga kredit sebesar Rp1,26 triliun, Loans interest income in 2024, amounted to Rp1.26 trillion,
mengalami peningkatan sebesar 7,50% dari tahun sebelumnya a 7.50% increase from Rp1.17 trillion of previous year. Also, interest
sebesar Rp1,17 triliun. Selain itu, pendapatan bunga dari efek-efek income from securities in 2024 amounted to Rp407.02 billion,
tahun 2024 sebesar Rp407,02 miliar, meningkat sebesar 45,82% a 45.82% increase compared to Rp279.13 billion in 2023.
dibandingkan dengan tahun 2023 sebesar Rp279,13 miliar. This change is caused by the increase in interest income in segments
Perubahan ini disebabkan oleh pendapatan bunga pada segmen other than credit or interest income from treasury, such as income
selain kredit atau pendapatan bunga dari treasury mengalami from marketable securities, placement with other banks, and
kenaikan, seperti pendapatan marketable securities, placement current accounts with banks.
with other bank, dan current account with bank.
Beban Bunga Interest Expense
Pada tahun 2024, beban bunga tercatat sebesar Rp1,18 triliun, In 2024, interest expense was recorded at Rp1.18 trillion,
mengalami peningkatan sebesar Rp159,43 miliar atau 15,68% a Rp159.43 billion increase or 15.68% compared to Rp1.02 trillion
dibandingkan dengan tahun 2023 sebesar Rp1,02 triliun. Hal ini in 2023. This was due to the tight liquidity in the market, which
dipengaruhi oleh likuiditas ketat di pasar yang menyebabkan biaya resulted in relatively high funding costs.
dana relatif tinggi.
Beban bunga yang dibayarkan Bank untuk simpanan nasabah The interest expense paid by the Bank for customer deposits in 2024
pada tahun 2024 mencapai Rp1,10 triliun, meningkat sebesar reached Rp1.10 trillion, a Rp144.57 billion increase or 15.05% from
Rp144,57 miliar atau 15,05%, dari Rp960,40 miliar pada tahun Rp960.40 billion in 2023. However, with the increasing customer
2023. Namun, dengan meningkatnya jumlah simpanan nasabah, deposits, the government guarantee premium interest expense also
maka beban bunga premi penjaminan pemerintah juga mengalami increased by Rp4.95 billion or 13.12% to Rp42.67 billion in 2024,
peningkatan sebesar Rp4,95 miliar atau 13,12% menjadi compared to Rp37.72 billion in 2023.
Rp42,67 miliar di tahun 2024, dibandingkan tahun 2023 sebesar
Rp37,72 miliar.
Sementara itu, beban bunga yang dibayarkan untuk simpanan dari Meanwhile, interest expense paid for deposits from other banks
bank lain tercatat mengalami peningkatan, dari Rp13,60 miliar pada recorded an increase, from Rp13.60 billion in 2023 to Rp17.65 billion
tahun 2023 menjadi Rp17,65 miliar pada tahun 2024. in 2024.
Komposisi Pendapatan Bunga
Composition of Interest Income
5,84% 5,13%
0,39%
0,58% Kredit / Loans
21,55%
Efek-Efek / Securities
Efek-Efek yang Dibeli dengan Janji untuk Dijual Kembali /
Securities Purchased Under Resale Agreements
Penempatan pada Bank Indonesia dan Bank Lain /
Placement with Bank Indonesia and Other Banks
Tagihan Anjak Piutang / Factoring Receivables
66,51%
Giro pada Bank Indonesia dan Bank Lain /
Current Accounts with Bank Indonesia and Other Banks
130 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Komposisi Beban Bunga
Composition of Interest Expense
1,34% 3,71%
0,48%
Simpanan dari Nasabah / Deposits from Customers
Simpanan dari Bank Lain / Deposits from Other Banks
Premi Lembaga Penjamin Nasabah /
Deposit Insurance Agency Premium
Lain-Lain / Others
94,47%
Pendapatan Operasional Selain Bunga
Operating Income in Addition to Interest
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Provisi dan Komisi Bersih 6.163 11.943 5.780 93,79 Fees and Commissions
Keuntungan Penjualan Efek-Efek
Gains on Sale of Marketable
yang Diklasifikasikan Tersedia
24.667 11.681 (12.986) (52,65) Securities Classified as Available
untuk Dijual dan Dimiliki untuk
for Sale and Held for Trading
Diperdagangkan
Pendapatan Operasional Lainnya 28.407 24.462 (3.945) (13,89) Other Operating Income
Pendapatan Operasional Total Operating Income
59.237 48.086 (11.151) (18,82)
Selain Bunga in Addition to Interest
Pada tahun 2024, pendapatan operasional selain bunga tercatat In 2024, operating income in addition to interest was recorded at
sebesar Rp48,09 miliar, menurun 18,82% atau Rp11,15 miliar Rp48.09 billion, a 18.82% decrease or Rp11.15 billion compared to
dibanding tahun 2023 sebesar Rp59,24 miliar. Porsi pendapatan Rp59.24 billion recorded in 2023. The portion of other operating
operasional lainnya tahun 2024 sebesar 50,87% dari total income in 2024 reached 50.87% of total operating income in addition
pendapatan operasional selain bunga, meningkat dibandingkan to interest, an increase compared to 47.95% of the previous year.
realisasi tahun sebelumnya yang sebesar 47,95%. Sementara itu, Meanwhile, net fees and commissions contributed 24.84% of total
pendapatan provisi dan komisi bersih berkontribusi sebesar 24,84% operating income in addition to interest.
terhadap total pendapatan operasional selain bunga.
Beban Operasional Lainnya
Other Operating Expenses
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Penyisihan Kerugian
117.937 188.899 70.962 60,17 Provision for Impairment Losses
Penurunan Nilai
Beban Tenaga Kerja 219.809 277.127 57.318 26,08 Personnel Expenses
Beban Umum dan Administrasi 150.748 173.831 23.083 15,31 General and Administrative Expenses
Beban Lain-Lain 13.186 13.826 640 4,85 Other Expenses
Total Beban Operasional Lainnya 501.680 653.683 152.003 30,30 Total Other Operating Expenses
PT Bank Ina Perdana Tbk 131
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pada tahun 2024, beban operasional tercatat sebesar Rp653,68 In 2024, operating expenses were recorded at Rp653.68 billion,
miliar, meningkat Rp152,00 miliar atau 30,30% dibandingkan a Rp152.00 billion increase or 30.30% compared to Rp501.68 billion of
tahun sebelumnya sebesar Rp501,68 miliar. Hal ini dipengaruhi the previous year. It was due to the addition of new hiring of human
oleh adanya penambahan sumber daya manusia (SDM) baru, resources, the opening of new offices, the addition of infrastructure,
pembukaan kantor baru, penambahan infrastruktur, dan biaya and network-related costs due to head office relocation,
jaringan sehubungan relokasi kantor pusat serta biaya promosi yang and promotional costs intended to improve the Bank’s branding to
ditujukan untuk meningkatkan branding Bank kepada masyarakat. the public.
Beban Cadangan Kerugian Penurunan Nilai (CKPN) atas Aset Keuangan
Allowance for Impairment Losses (CKPN) of Financial Assets Expenses
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Saldo Awal 237.567 335.229 97.662 41,11 Beginning Balance
Pengukuran Kembali Bersih Net Remeasurement of
92.293 251.517 159.224 172,52
Penyisihan Kerugian Allowance
Aset Keuangan Baru yang New Financial Assets
38.392 158.587 120.195 313,07
Diterbitkan atau Dibeli Issued or Purchased
Aset Keuangan yang Dihentikan
(27.207) (221.668) 194.461 714,75 Financial Assets Derecognized
Pengakuannya
Aset Keuangan yang Dihapus Buku (5.854) (211.685) (205.831) 3.516,07 Financial Assets Written Off
Foreign Exchange
Selisih Kurs dan Perubahan Lainnya 38 (466) (504) (1.326,32)
and Other Movements
Saldo Akhir 335.229 311.514 (23.715) (7,07) Ending Balance
Pada tahun 2024, cadangan kerugian penurunan nilai (CKPN) aset In 2024, Allowance for Impairment Losses (CKPN) of financial assets
keuangan yang telah dibentuk tercatat sebesar Rp311,51 miliar, that have been set aside was recorded at Rp311.51 billion, a 7.07%
menurun 7,07% dibandingkan dengan tahun 2023 yang sebesar decrease compared to Rp335.23 billion in 2023. This decrease
Rp335,23 miliar. Penurunan ini mencerminkan perbaikan kualitas reflects improvements in terms of asset quality and better credit risk
aset dan pengelolaan risiko kredit yang lebih baik. Meskipun management. Nevertheless, the Bank continues implementing the
demikian, Bank tetap menerapkan prinsip kehati-hatian dengan prudence principle by establishing an impairment losses expense
membentuk beban kerugian penurunan nilai sebesar Rp188,90 of Rp188.90 billion in 2024, by applying the CKPN calculation in
miliar pada tahun 2024, menggunakan metode penghitungan CKPN accordance with applicable the accounting standards.
sesuai standar akuntansi yang berlaku.
Laporan Posisi Keuangan
Statement of Financial Position
Total Aset
Total Assets
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Kas 71.563 138.875 67.312 94,06 Cash
Giro pada Bank Indonesia 1.600.005 1.203.006 (396.999) (24,81) Current Account with Bank Indonesia
Giro pada Bank Lain 178.893 166.358 (12.535) (7,01) Current Account with Other Banks
Penempatan pada Bank Indonesia Placement with Bank Indonesia
3.172.485 2.348.941 (823.544) (25,96)
dan Bank Lain and Other Banks
Efek-Efek (Bersih) 4.369.596 6.557.214 2.187.618 50,06 Securities (Net)
Efek-Efek yang Dibeli dengan Securities Purchased under
2.146.197 246.420 (1.899.777) (88,52)
Janji Dijual Kembali Resale Agreements
Kredit yang Diberikan (Bersih) 12.341.957 12.838.928 496.971 4,03 Loans Disbursed (Net)
Tagihan Akseptasi 93.020 60.286 (32.734) (35,19) Acceptance Receivables
132 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Tagihan Derivatif 1.471 574 (897) (60,98) Derivative Receivables
Piutang Bunga 88.972 95.283 6.311 7,09 Interest Receivables
Beban Dibayar Dimuka 7.984 14.481 6.497 81,38 Prepaid Expenses
Aset Pajak Tangguhan - Neto 32.717 29.985 (2.732) (8,35) Deferred Tax assets - net
Fixed Assets and Right of
Aset Tetap dan Aset Hak Guna - Neto 121.058 238.163 117.105 96,73
use Assets - Net
Aset Lain-Lain 158.662 498.220 339.558 214,01 Other Assets
Total Aset 24.384.580 24.436.734 52.154 0,21 Total Assets
Per 31 Desember 2024, total aset Bank INA tercatat sebesar As of December 31, 2024, the total assets of Bank INA was recorded
Rp24,44 triliun, meningkat sebesar 0,21% dibandingkan dengan at Rp24.44 trillion, a 0.21% increase compared to the end of 2023
posisi akhir tahun 2023 yang sebesar Rp24,38 triliun. Kontributor position of Rp24.38 trillion. The largest contributor to the total
terbesar terhadap total aset pada tahun 2024 adalah kredit assets in 2024 was loans disbursed, amounting to 52.54%, an
yang diberikan sebesar 52,54%, meningkat dibandingkan tahun increase from 50.61% in the previous year. To optimize interest
sebelumnya yang sebesar 50,61%. Dalam rangka mengoptimalkan income while maintaining its liquidity level, Bank INA also conducts
pendapatan bunga sekaligus menjaga tingkat likuiditas, Bank INA placements in securities, other banks, and Bank Indonesia,
juga melakukan penempatan dana pada surat berharga, bank lain, as secondary reserves.
dan Bank Indonesia, yang berfungsi sebagai secondary reserves.
Kredit yang diberikan (bersih) mengalami peningkatan sebesar In 2024, loans (net) disbursed increased by 4.03% to Rp12.84 trillion
4,03% menjadi Rp12,84 triliun pada tahun 2024 dari Rp12,34 triliun from Rp12.34 trillion in 2023. Investments in securities recorded
di tahun 2023. Investasi pada efek-efek mencatat peningkatan a 50.06% increase, from Rp4.37 trillion in 2023 to Rp6.56 trillion
sebesar 50,06%, dari Rp4,37 triliun di tahun 2023 menjadi Rp6,56 in 2024. Meanwhile, as of end of 2024, placements with Bank
triliun di tahun 2024. Sementara itu, penempatan pada Bank Indonesia and other banks were recorded at Rp2.35 trillion,
Indonesia dan bank lain pada akhir tahun 2024 tercatat sebesar a decrease from Rp3.17 trillion in the previous year.
Rp2,35 triliun, menurun dibandingkan tahun sebelumnya yang
sebesar Rp3,17 triliun.
Investasi pada Efek-Efek
Investment in Marketable Securities
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Obligasi Repo 253.955 2.313.796 2.059.841 811,10 Repo Bonds
Obligasi Reksa Dana 107.011 92.659 (14.352) (13,41) Mutual Funds
Obligasi Pemerintah 1.072.854 1.517.549 444.695 41,45 Government Bonds
Obligasi Korporasi 2.935.801 2.633.219 (302.582) (10,31) Corporate Bonds
Cadangan Kerugian Penurunan Nilai (25) (9) 16 (64,00) Allowance for Impairment Losses
Total 4.369.596 6.557.214 2.187.618 50,06 Total
Pada tahun 2024, investasi pada efek-efek mengalami peningkatan In 2024, investments in securities experienced 50.06% increase,
sebesar 50,06%, dari Rp4,37 triliun pada tahun 2023 menjadi from Rp4.37 trillion in 2023 to Rp6.56 trillion in 2024, primarily
Rp6,56 triliun pada tahun 2024, terutama disebabkan oleh caused by the significant increase in repo bonds instrument.
peningkatan signifikan pada instrumen obligasi repo. Namun Nevertheless, some other instruments such as mutual funds
demikian, beberapa instrumen seperti reksa dana mengalami experienced declining carrying values, which were in line with
penurunan nilai tercatat, seiring dengan koreksi harga pasar akibat market price corrections due to increase of Bank Indonesia’s
kenaikan suku bunga acuan Bank Indonesia yang berdampak pada benchmark interest rate, which led to decreased fair value of
penurunan nilai wajar portofolio tertentu. certain portfolios.
PT Bank Ina Perdana Tbk 133
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Peningkatan efek-efek merupakan strategi pengelolaan likuiditas The increase in marketable securities is the Bank’s liquidity
Bank dengan mengalokasikan dana kepada aset-aset yang management strategy by allocating funds to assets that provide
memberikan imbal hasil yang lebih tinggi dengan risiko yang tetap higher returns with measurable risks.
terukur.
Penempatan pada Bank Indonesia dan Bank Lain
Placements with Bank Indonesia and Other Banks
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Penempatan pada Bank Indonesia 1.643.162 1.347.182 (295.980) (18,01) Placements with Bank Indonesia
Penempatan pada Bank Lain 1.530.000 1.002.071 (527.929) (34,51) Placements with Other Banks
Cadangan Kerugian Penurunan Nilai (677) (312) (365) (53,91) Allowance for Impairment Losses
Total 3.172.485 2.348.941 (823.543) (25,96) Total
Pada tahun 2024, penempatan pada Bank Indonesia dan bank lain In 2024, placements with Bank Indonesia and other banks were
tercatat sebesar Rp2,35 triliun, menurun 25,96% dibandingkan recorded at Rp2.35 trillion, a 25.96% decrease compared to
tahun 2023 sebesar Rp3,17 triliun. Kondisi ini dipengaruhi oleh Rp3.17 trillion in 2023. This condition was mainly due to decrease
menurunnya penempatan pada lain sebesar Rp527,93 triliun. in placements with other banks amounting to Rp527.93 billion.
Kredit Loans
Pada tahun 2024, kredit yang diberikan mencapai Rp13,15 triliun. Loans disbursed in 2024 reached Rp13.15 trillion. This amount was
Jumlah tersebut meningkat 3,73% dibandingkan dengan pencapaian 3.73% increase compared to Rp12.68 trillion in 2023.
di tahun 2023 sebesar Rp12,68 triliun.
Kredit Berdasarkan Jenis Penggunaan
Loans by Type of Use
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
MODAL KERJA
WORKING CAPITAL
Pihak Berelasi 166.945 291.725 124.780 74,74 Related Party
Pihak Ketiga 7.187.733 7.932.912 745.179 10,37 Third Party
Dolar Amerika Serikat 34.636 54.246 19.610 56,62 US Dollars
Total Kredit Modal Kerja 7.389.314 8.278.883 889.569 12,04 Total Working Capital Loans
INVESTASI
INVESTMENTS
Pihak Berelasi - 23.752 23.752 100,00 Related Party
Pihak Ketiga 4.859.162 4.179.910 (679.252) (13,98) Third Party
Total Kredit Investasi 4.859.162 4.203.662 (655.500) (13,49) Total Investment Loans
Konsumsi Consumer
Pihak Berelasi 711 504 (207) (29,11) Related Party
Pihak Ketiga 427.999 667.393 239.394 55,93 Third Party
Total Kredit Konsumsi 428.710 667.897 239.187 55,79 Total Consumer Loans
Total Kredit 12.677.186 13.150.442 473.256 3,73 Total Loans
134 PT Bank Ina Perdana Tbk
Page 137
Laporan Tahunan 2024
2024 Annual Report
Berdasarkan jenis penggunaannya, penyaluran kredit pada tahun According to type of use, loans disbursement in 2024 was
2024 didominasi oleh kredit modal kerja sebesar Rp8,28 triliun, dominated by working capital loans, which amounted to
meningkat 12,04% dibandingkan tahun 2023 yang sebesar Rp7,39 Rp8.28 trillion, a 12.04% increase compared to Rp7.39 trillion in
triliun. Kredit konsumsi juga mengalami pertumbuhan signifikan 2023. Consumer loans also recorded significant growth of 55.79%,
sebesar 55,79%, dari Rp428,71 miliar menjadi Rp667,90 miliar. from Rp428.71 billion to Rp667.90 billion. Meanwhile, investment
Sementara itu, kredit investasi mengalami penurunan sebesar loans decreased by 13.49%, from Rp4.86 trillion in the previous year
13,49%, dari Rp4,86 triliun pada tahun sebelumnya menjadi Rp4,20 to Rp4.20 trillion in 2024.
triliun pada tahun 2024.
Adapun tingkat suku bunga rata-rata per tahun tercatat sebesar Whereas the average annual interest rates was recorded at 10.88%
10,88% untuk kredit modal kerja, 10,19% untuk kredit investasi, for working capital loans, 10.19% for investment loans, and 10.92%
dan 10,92% untuk kredit konsumsi. for consumer loans.
Kredit Berdasarkan Sektor Ekonomi
Loans by Economic Sector
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Jasa-Jasa Dunia Usaha 1.821.239 2.276.148 454.909 24,98 Business Services
Perdagangan, Restoran, dan Hotel 3.574.529 3.688.544 114.015 3,19 Trading, Restaurants, and Hotels
Jasa-Jasa Sosial Kemasyarakatan 324.178 647.187 323.009 99,64 Public Services
Industri Pengolahan Processing and
2.549.930 3.343.703 793.773 31,13
dan Manufaktur Manufacturing Industries
Pertambangan 959.221 583.351 (375.870) (39,18) Mining
Pertanian dan Perkebunan 921.315 616.158 (305.157) (33,12) Agriculture and Plantations
Transportasi, Pergudangan, Transportation, Warehousing,
658.356 397.100 (261.256) (39,68)
dan Komunikasi and Communications
Listrik, Gas, dan Air 241.302 103.302 (138.000) (57,19) Electricity, Gas, and Water
Konstruksi 912.679 781.149 (131.530) (14,41) Construction
Lain-Lain 714.437 713.800 (637) (0,09) Others
Total Kredit 12.677.186 13.150.442 473.256 3,73 Total Loans
Berdasarkan sektor ekonomi, penyaluran kredit Bank INA pada According to the economic sector, loans disbursement made by
tahun 2024 masih didominasi oleh sektor perdagangan, restoran, Bank INA in 2024 was still dominated by trading, restaurants, and
dan hotel, dengan kontribusi sebesar 28,05%, sedikit menurun hotels sector, with 28.05% contribution, a slight decrease from
dibandingkan tahun sebelumnya yang sebesar 28,20%. Kontribusi 28.20% in the previous year. Another major contributions were
besar lainnya berasal dari sektor jasa-jasa dunia usaha, sebesar made by the business services sector of 17.31%, a 14.37% increase
17,31%, meningkat dari 14,37% pada tahun 2023, serta sektor from 2023, and public services sector, that increased to 4.92% from
jasa-jasa kemasyarakatan yang meningkat menjadi 4,92%, dari 2.56% previously.
sebelumnya 2,56%.
Selain itu, sektor pertambangan serta sektor jasa-jasa usaha dunia In addition, the mining sector and global business services sector
mengalami penurunan dan peningkatan masing-masing 39,18% experienced a decrease and an increase of 39.18% and 24.98%
dan 24,98% menjadi Rp583,35 miliar dan Rp2,28 triliun, sedangkan respectively, to Rp583.35 billion and Rp2.28 trillion, while the
sektor industri pengolahan dan manufaktur meningkat 31,13% manufacturing and processing industry sector increased by 31.13%
menjadi Rp3,34 triliun. to Rp3.34 trillion.
PT Bank Ina Perdana Tbk 135
Page 138
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kredit UMKM
MSME Loans
Rp436,46
miliar / billion Rp1,29
triliun / trillion
Mikro / Micro
Kecil / Small
Rp183,02
Menengah / Medium
miliar / billion
Pada 2024, Bank INA telah menyalurkan kredit usaha mikro, kecil, In 2024, Bank INA has disbursed micro, small, and medium
dan menengah (UMKM) sebesar Rp1,92 triliun atau mencapai enterprise (MSME) loans amounting to Rp1.92 trillion, or 14.57% of
14,57% dari total kredit yang diberikan, menurun dibandingkan the total loans disbursed, a decrease from Rp2.69 trillion disbursed
tahun sebelumnya sebesar Rp2,69 triliun. Pemberian kredit pada in the previous year. The disbursement of credit to the micro and
sektor usaha mikro dan menengah turun 36,15% dan 54,91% medium business sectors decreased by 36.15% and 54.91% to
menjadi Rp1,29 triliun dan Rp183,02 miliar. Sementara itu, Rp1.29 trillion and Rp183.02 billion, respectively. Meanwhile, credit
pemberian kredit pada sektor usaha kecil mencapai Rp436,46 miliar, disbursement to the small business sector reached Rp436.46 billion,
meningkat 75,61% dari Rp248,54 miliar di tahun 2023. an increase of 75.61% from Rp248.54 billion in 2023.
Kredit Berdasarkan Kolektibilitas
Loans Based on Collectability
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Lancar 11.654.847 11.883.260 228.413 1,96 Current
Dalam Perhatian Khusus 586.147 812.130 225.983 38,55 Special Mention
Kurang Lancar 170.316 150.279 (20.037) (11,76) Substandard
Diragukan 26.473 34.350 7.877 29,75 Doubtful
Macet 239.403 270.423 31.020 12,96 Loss
Total 12.677.186 13.150.442 473.256 3,73 Total
Rasio kredit bermasalah (non-performing loan/NPL) Bank INA pada In 2024, Bank INA’s non-performing loan (NPL) ratio had a slight
tahun 2024 mengalami sedikit peningkatan, dengan NPL gross increase, with 3.46% of recorded gross NPL and 2.20% of net NPL,
tercatat sebesar 3,46% dan NPL net sebesar 2,20%, dibandingkan compared to 3.44% and 1.69%, respectively, of previous year.
masing-masing 3,44% dan 1,69% pada tahun sebelumnya.
Kredit bermasalah pada akhir tahun 2024 tercatat sebesar Non-performing loans at the end of 2024 was recorded at
Rp455,05 miliar, meningkat 4,32% dibandingkan akhir tahun 2023 Rp455.05 billion, a 4.32% increase compared to Rp436.19 billion
sebesar Rp436,19 miliar. Sementara itu, kredit yang direstrukturisasi at the end of 2023. Meanwhile, restructured loans at the end of
pada akhir tahun 2024 adalah Rp734,76 miliar, meningkat 2024 was recorded at Rp734.76 billion, an increase compared to
dibandingkan tahun sebelumnya yang sebesar Rp366,17 miliar, Rp366.17 billion in previous year, with reserves for impairment
dengan cadangan kerugian penurunan nilai masing-masing sebesar of losses of Rp40.17 billion and Rp84.22 billion, respectively.
Rp40,17 miliar dan Rp84,22 miliar. Agunan yang diambil alih (AYDA) Repossessed collaterals in 2024 amounted to Rp172.33 billion.
pada tahun 2024 sebesar Rp172,33 miliar.
136 PT Bank Ina Perdana Tbk
Page 139
Laporan Tahunan 2024
2024 Annual Report
Batas Maksimum Pemberian Kredit (BMPK) Legal Lending Limit (LLL)
Untuk pendanaan kepada pihak terkait dan penyediaan dana For funding to related parties and provision of large funds, the
besar, Bank senantiasa memperhatikan prinsip kehati-hatian dan Bank always adheres to the prudence principle and provisions
berpedoman pada ketentuan tentang Batas Maksimum Pemberian regarding the Legal Lending Limit (LL). Throughout 2024, there
Kredit (BMPK). Sepanjang tahun 2024, tidak terdapat pelampauan was no exceedances or violations of the maximum lending
maupun pelanggaran terhadap batas maksimum pemberian kredit. limit. Outstanding credit to related parties in 2024 amounted to
Outstanding kredit kepada pihak terkait pada tahun 2024 adalah Rp428.27 billion or 5.89% of total capital, while in 2023, credit to
Rp428,27 miliar atau 5,89% dari total modal, sedangkan pada related parties was Rp390.89 billion.
tahun 2023 kredit kepada pihak terkait sebesar Rp390,89 miliar.
Liabilitas
Liabilities
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Liabilitas Segera 28.436 22.836 (5.600) (19,69) Current Liabilities
Simpanan dari Nasabah 19.315.909 20.127.216 811.307 4,20 Customer Deposits
Pihak Berelasi 5.200.509 3.499.944 (1.700.565) (32,70) Related Parties
Pihak Ketiga 14.115.400 16.627.272 2.511.872 17,80 Third Parties
Simpanan dari Bank Lain 966.590 405.408 (561.182) (58,06) Deposits from other Banks
Utang Pajak 25.924 23.904 (2.020) (7,79) Tax Payables
Liabilitas Imbalan Kerja 21.661 27.451 5.790 26,73 Employee Benefit Liabilities
Efek-efek yang Dijual dengan Securities Sold under
239.027 - (239.027) (100,00)
Janji Dibeli Kembali Repurchase Agreements
Liabilitas Akseptasi 93.108 60.343 (32.765) (35,19) Acceptance Payables
Liabilitas Derivatif 90 1.127 1.037 1.152,22 Derivative Payables
Utang Bunga 41.478 45.631 4.153 10,01 Interest Payables
Liabilitas Lain-Lain 96.199 109.844 13.645 14,18 Other Payables
Total Liabilitas 20.828.422 20.823.760 (4.662) (0,02) Total Liabilities
Total liabilitas Bank hingga akhir tahun 2024 tercatat sebesar At the end of 2023, the Bank’s total liabilities were recorded at
Rp20,82 triliun, mengalami penurunan sebesar Rp4,66 miliar atau Rp20.82 trillion, a Rp4.66 billion decrease or 0.02% compared
0,02 % dibandingkan tahun 2023 yang mencapai Rp20,83 triliun. to Rp20.83 trillion in 2023. This condition was mainly due to the
Kondisi ini terutama didorong oleh menurunnya simpanan nasabah decrease in customer deposits of Rp811.31 trillion.
sebesar Rp811,31 triliun.
Simpanan Nasabah
Customer Deposits
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Giro 5.595.812 4.113.768 (1.482.044) (26,48) Current Accounts
Tabungan 695.465 825.453 129.988 18,69 Savings
Deposito 13.024.632 15.187.995 2.163.363 16,61 Deposits
Total 19.315.909 20.127.216 811.307 4,20 Total
Pada tahun 2024, simpanan nasabah yang terdiri dari giro, In 2024, customer deposits consisting of the current accounts,
tabungan, dan deposito tercatat sebesar Rp20,13 triliun, meningkat savings, and deposits, were recorded at Rp20.13 trillion,
Rp811,31 miliar atau 4,20% dibandingkan tahun 2023 yang sebesar a Rp811.31 billion increase or 4.20% compared to Rp19.31 trillion
Rp19,31 triliun. in 2023.
PT Bank Ina Perdana Tbk 137
Page 140
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Secara rinci, simpanan giro tercatat sebesar Rp4,11 triliun, In details, the current accounts was recorded at Rp4.11 trillion,
mengalami penurunan sebesar 26,48% dibandingkan tahun a 26.48% decrease compared to the previous year. In contrast,
sebelumnya. Sebaliknya, simpanan tabungan dan deposito savings and deposits increased by 18.69% and 16.61%, respectively,
masing-masing mengalami peningkatan sebesar 18,69% dan amounted to Rp825.45 billion and Rp15.19 trillion.
16,61%, menjadi Rp825,45 miliar dan Rp15,19 triliun.
Selain itu, penempatan dana pihak ketiga dari pihak berelasi In addition, placement of third-party funds from related parties in
pada tahun 2024 tercatat sebesar Rp3,50 triliun, menurun 32,70% 2024 amounted to Rp3.50 trillion, a 32.70% decrease compared to
dibandingkan tahun sebelumnya. Dana ini terdiri atas simpanan the previous year. These funds consisted of Rp3.71 trillion of current
giro sebesar Rp3,71 triliun, tabungan sebesar Rp2,77 miliar, accounts, Rp2.77 billion of savings, and Rp1.49 trillion of deposits.
dan deposito sebesar Rp1,49 triliun.
Ekuitas
Equity
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Modal Saham 613.472 613.472 - - Capital Stock
Tambahan Modal Disetor 2.482.288 2.482.288 - - Additional Paid-in Capital
Laba atau Rugi Komprehensif 2.841 (23.006) (25.847) (909,79) Comprehensive Income or Loss
Saldo Laba 457.557 540.220 82.663 18,07 Retained Earnings
Total Ekuitas 3.556.158 3.612.974 56.816 1,60 Total Equity
Pada tahun 2024, total ekuitas Bank mencapai Rp3,61 triliun, In 2024, the Bank has a total equity of Rp3.61 trillion, a 1.60%
meningkat 1,60% dari tahun 2023 yang tercatat sebesar Rp3,56 triliun. increase from Rp3.56 trillion recorded in 2023.
Laporan Arus Kas
Statement of Cash Flows
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Arus Kas Bersih (untuk) Net Cash Flows (for)/
72.808 1.134.960 1.062.152 1.458,84
dari Kegiatan Operasi from Operating Activities
Arus Kas Bersih (untuk) Net Cash Flows (for)/from
467.063 (2.274.175) (2.741.238) (586,91)
dari Kegiatan Investasi Investing Activities
Arus Kas Bersih (untuk) Net Cash Flows (for)/from
(24.823) (26.918) (2.095) 8,44
dari Kegiatan Pendanaan Funding Activities
(Penurunan)/Kenaikan Bersih (Decrease)/Increase of Cash
515.048 (1.166.133) (1.681.181) (326,41)
Kas dan Setara Kas and Cash Equivalents
Posisi Kas dan Setara Kas Cash and Cash Equivalents at
4.508.582 5.023.630 515.048 11,42
di Awal tahun the Beginning of the Year
Posisi Kas dan Setara Kas Cash and Cash Equivalents at
5.023.630 3.857.497 (1.166.1330 (23,21)
di Akhir Tahun the End of the Year
Pada tahun 2024, posisi kas dan setara kas tercatat sebesar In 2024, cash and cash equivalents was recorded at Rp3.86 trillion,
Rp3,86 triliun, menurun 23,21% dibandingkan tahun 2023 yang a 23.21% decrease compared to Rp5.02 trillion in 2023. Cash
mencapai Rp5,02 triliun. Kas dan setara kas terdiri dari kas, giro and cash equivalents consist of cash, current accounts with
pada Bank Indonesia, giro pada bank lain, penempatan pada Bank Bank Indonesia, current accounts with other banks, placements
Indonesia dan bank lain, serta efek-efek yang jatuh tempo dalam with Bank Indonesia and other banks, as well as securities with
3 bulan atau kurang sejak tanggal perolehan. maturities of 3 months or less from the date of acquisition.
138 PT Bank Ina Perdana Tbk
Page 141
Laporan Tahunan 2024
2024 Annual Report
Arus Kas dari Kegiatan Operasi Cash Flow from Operating Activities
Arus kas bersih yang diperoleh dari aktivitas operasi selama tahun Throughout 2024, net cash flow from operating activities reached
2024 mencapai Rp1,13 triliun, mengalami peningkatan sebesar Rp1.13 trillion, a Rp1.06 trillion increase. This increase was primarily
Rp1,06 triliun. Peningkatan ini terutama dipengaruhi oleh kondisi due to the tightening liquidity in the market, which resulted in
pasar yang mengalami pengetatan likuiditas, sehingga berdampak relatively high funding costs.
pada tingkat biaya dana yang relatif tinggi.
Arus Kas untuk Kegiatan Investasi Cash Flow for Investing Activities
Arus kas bersih yang digunakan untuk aktivitas investasi selama Throughout 2024, net cash flow for investing activities reached
tahun 2024 mencapai Rp2,27 triliun, mengalami peningkatan Rp2.27 trillion, a Rp2.74 trillion increase. Cash inflows from the
sebesar Rp2,74 triliun. Arus kas masuk berasal dari penjualan sale of marketable securities classified as fair value through
efek-efek yang diklasifikasikan sebagai nilai wajar melalui other comprehensive income and receipt of maturing securities
penghasilan komprehensif lain dan penerimaan efek-efek yang amounted to Rp2.86 trillion. Meanwhile, cash outflows were used
telah jatuh tempo sebesar Rp2,86 triliun. Sementara itu, arus kas for marketable securities purchases amounted to Rp5.01 trillion,
keluar digunakan untuk pembelian efek-efek sebesar Rp5,01 triliun, acquisition of fixed assets of Rp106.45 billion, and acquisition of
perolehan aset tetap sebesar Rp106,45 miliar, dan perolehan aset right-of-use assets amounted to Rp25.78 billion.
hak guna sebesar Rp25,78 miliar.
Arus Kas dari Kegiatan Pendanaan Cash Flow from Funding Activities
Arus kas bersih yang diperoleh dari aktivitas pendanaan selama Throughout 2024, net cash flow from financing activities in 2024
tahun 2024 sebesar Rp26,92 miliar yang berupa penerimaan dari amounted to Rp26.92 billion, in the form of proceeds from lease
pembayaran liabilitas sewa. liability payments.
Kemampuan Membayar Utang Debt Service Ability
Kemampuan Bank membayar utang dapat dilihat dari profil The Bank’s debt service ability is reflected in the solvency profile
solvabilitas berupa perhitungan rasio kecukupan modal dan in the form of capital adequacy ratio and liquidity ratio through
likuiditas melalui perhitungan loan to funding ratio (LFR). calculation of loan to funding ratio (LFR).
Rasio Kecukupan Modal Capital Adequacy Ratio
Rasio solvabilitas menunjukkan kemampuan Bank dalam The capital adequacy ratio reflects the Bank’s ability to meet its
membayar kewajiban-kewajiban, khususnya kewajiban jangka obligations, particularly the long-term obligations, by considering
panjang, dengan memperhitungkan risiko kredit, operasional, the credit, operational, and market risks. In 2024, the solvency
dan pasar. Pada tahun 2024, rasio solvabilitas sebesar 25,70%, ratio was 25.70%, a decrease from 26.10% in the previous year.
mengalami penurunan dari tahun sebelumnya sebesar 26,10%. This decline is in line with the disbursement of loans and placements
Penurunan ini seiring dengan penyaluran kredit dan penempatan in securities conducted by the Bank throughout 2024.
pada surat berharga yang dilakukan Bank sepanjang tahun 2024.
Sementara itu, aset tertimbang menurut risiko (ATMR) untuk Meanwhile, Risk-Weighted Assets (RWA) for credit, market, and
risiko kredit, pasar, dan operasional pada tanggal 31 Desember operational risks as of December 31, 2024, amounted to 14.40
2024 sebesar Rp14,40 triliun, meningkat sebesar Rp576,22 miliar trillion, a Rp576.22 billion increase compared to Rp14.48 trillion
dibandingkan dengan posisi 31 Desember 2023 yang sebesar as of December 31, 2023. This increase is in line with the growth of
Rp14,48 triliun. Peningkatan ini sejalan dengan pertumbuhan aset financial assets owned by the Bank.
keuangan yang dimiliki Bank.
Pada tahun 2024, modal inti mencapai Rp3,48 triliun, mengalami In 2024, the core capital reached Rp3.48 trillion, an increase from
kenaikan dari tahun sebelumnya yang sebesar Rp3,47 triliun. Selain Rp3.47 trillion in previous year. In addition, supplementary capital
itu, modal pelengkap meningkat menjadi Rp161,01 miliar di tahun increased to Rp161.01 billion in 2024, from Rp156.65 billion in 2023,
2024 dari Rp156,65 miliar di tahun 2023 dan berkontribusi 4,43 % and contributed 4.43% towards total capital.
terhadap total modal.
Loan to Funding Ratio Loan to Funding Ratio
Loan to funding ratio (LFR) adalah salah satu indikator yang Loan to Funding Ratio (LFR) is one of the indicators used by the
digunakan oleh Bank untuk menilai likuiditas. Pada akhir tahun Bank to assess liquidity. At the end of 2024, LFR was recorded at
2024, rasio LFR tercatat sebesar 65,34%, meningkat dibandingkan 65.34%, an increase from 65.60% in 2023.
dengan tahun 2023 yang berada di angka 65,60%.
PT Bank Ina Perdana Tbk 139
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Bank memantau likuiditas dengan menjaga rasio alat likuid. Bank monitors liquidity by maintaining the ratio of liquid
Pemantauan harian dilakukan pada rasio alat likuid terhadap instruments. Daily monitoring is carried out on the ratio of liquid
non-core deposit (AL/NCD) dan dana pihak ketiga (AL/DPK). instruments to non-core deposits (AL/NCD) and third-party funds
Rata-rata rasio AL/NCD dan AL/DPK selama tahun 2024 (AL/DPK). Throughout 2024, the average AL/NCD and AL/DPK ratios
masing-masing mencapai 187,92% dan 30,54%, nilai ini melampaui were 187.92% and 30.54%, respectively, exceeding the Financial
rekomendasi Otoritas Jasa Keuangan, yaitu 50% untuk AL/NCD Services Authority recommendations, which is 50% for the AL/NCD
dan 10% untuk AL/DPK. and 10% for the AL/DPK.
Tingkat Kolektibilitas Piutang Receivables Turnover Ratio
Bank INA menghitung kolektibilitas piutang dengan menggunakan Bank INA calculates the receivables turnover ratio by using the
rasio kredit bermasalah (non-performing loan/NPL). Pada akhir non-performing loan (NPL) ratio. At the end of 2024, the gross NPL
tahun 2024, rasio NPL gross tercatat sebesar 3,46%, mengalami ratio was recorded at 3.46%, a slight increase from 3.44% at the end
sedikit kenaikan dari 3,44% pada akhir tahun 2023. Rasio NPL-net of 2023. Net NPL ratio also increased to 2.20%, from 1.69% in the
juga meningkat menjadi 2,20%, dibandingkan 1,69% pada tahun previous year.
sebelumnya.
Sementara itu, rasio aset produktif bermasalah terhadap total Meanwhile, the non-performing earning assets ratio to total earning
aset produktif pada tahun 2024 tercatat sebesar 1,80%, meningkat assets in 2024 was recorded at 1.80%, an increase from 1.75% in
dibandingkan tahun 2023 yang sebesar 1,75%. 2023.
Rentabilitas Profitability
Rasio rentabilitas digunakan untuk menilai efektivitas Bank dalam The profitability ratio is used to measure how effective the Bank
menghasilkan keuntungan dari modal yang diinvestasikan atau aset is in generating gains from invested capital or assets owned.
yang dimiliki. Rasio rentabilitas tercermin dalam perhitungan imbal The profitability ratio is reflected in the calculation of return on
hasil atas aset (ROA), imbal hasil atas ekuitas (ROE), pendapatan assets (ROA), return on equity (ROE), net interest margin (NIM),
bunga bersih (NIM), serta rasio beban operasional terhadap and ratio of operating expenses to operating income (BOPO).
pendapatan operasional (BOPO).
Imbal Hasil atas Aset (ROA) Return on Assets (ROA)
Rasio laba terhadap jumlah aset (return on asset/ROA) pada tahun The return on assets (ROA) ratio in 2024 was 0.44%, a decrease
2024 sebesar 0,44%, menurun dibandingkan tahun 2023 yang compared to 1.17% in 2023.
sebesar 1,17%.
Imbal Hasil atas Ekuitas (ROE) Return on Equity (ROE)
Imbal hasil atas ekuitas (return on equity/ROE) tahun 2024 tercatat The return on equity (ROE) in 2024 was recorded at 2.35%,
sebesar 2,35%, menurun dibandingkan tahun 2023 yang sebesar a decrease compared to 6.14% in 2023. This condition was due to
6,14%. Kondisi ini dipengaruhi oleh peningkatan modal inti. the increase in core capital.
Pendapatan Bunga Bersih (NIM) Net Interest Margin (NIM)
Margin bunga bersih dibukukan pada tahun 2024 berhasil In 2024, the net interest margin recorded in at 3.29%, an increase
dibukukan sebesar 3,29%, meningkat dibandingkan tahun 2023 compared to 3.12% in 2023.
yang sebesar 3,12%.
Beban Operasional Terhadap Beban Operasional Operating Expenses to Operating Income
(BOPO) (BOPO)
Rasio beban operasional terhadap pendapatan operasional Bank The ratio of operating expenses to operating income for Bank INA in
INA tahun 2024 sebesar 93,87%, meningkat dibandingkan realisasi 2024 was 93.87%, an increase compared to 84.37% in 2023.
pada tahun 2023 sebesar 84,37%.
140 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Struktur Modal Capital Structure
Dasar Pemilihan Kebijakan Manajemen Basis of Selecting Management Policy
atas Struktur Modal for Capital Structure
Pengelolaan modal dilakukan untuk memastikan bahwa Bank Capital management is carried out to ensure that Bank INA
INA senantiasa mempertahankan rasio modal yang sehat dalam continues to maintain a sound capital ratio in order to anticipate
rangka mengantisipasi seluruh risiko utama yang terjadi di dalam all the major risks that may occur in the management of
pengelolaan bank, seperti risiko pasar, risiko kredit, dan risiko the bank, such as market risk, credit risk, and operational risk,
operasional, serta memaksimalkan nilai Pemegang Saham. and to maximize Shareholder value. Therefore, Bank INA manages
Oleh karena itu, Bank INA mengelola struktur modal sesuai dengan the capital structure in accordance with the Financial Services
Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 tanggal Authority Regulation No. 11/POJK.03/2016 dated January 29, 2016,
29 Januari 2016 tentang Kewajiban Penyediaan Modal Minimum on the Minimum Capital Adequacy Ratio for Commercial Banks.
Bank Umum. Perubahan pada tanggal 27 Maret 2024 terkait Amendment on March 27, 2024 to update and clarify the rules on
memperbarui dan memperjelas aturan terkait modal minimum the minimum capital requirements for commercial banks.
yang harus dimiliki oleh bank umum.
Kebijakan Manajemen atas Struktur Modal Management Policy on Capital Structure
Kebijakan Manajemen Bank INA atas struktur modal dapat terlihat Bank INA’s management policy on capital structure can be seen in
pada pencapaian atau perolehan rasio kewajiban penyediaan the achievement or acquisition of the capital adequacy ratio (CAR)
modal minimum (KPMM) atau capital adequacy ratio (CAR) sebagai as an indicator of the Bank’s capital adequacy. CAR describes the
salah satu indikator kecukupan modal Bank. CAR menggambarkan ability to sustain the Bank’s growth and accommodate possible
kemampuan untuk menopang pertumbuhan Bank dan menampung risks that may be encountered by the Bank. Therefore, Bank INA
kemungkinan risiko yang mungkin dihadapi oleh Bank. Maka continues to ensure that the CAR exceeds the minimum requirement
dari itu, Bank INA senantiasa memastikan bahwa persentase CAR set by the regulator.
melebihi kewajiban minimum yang ditetapkan oleh regulator.
Selain itu, komitmen yang kuat dari Pemegang Saham Bank INA Furthermore, the strong commitment of Bank INA Perdana’s
Perdana dalam mendukung penguatan permodalan diwujudkan Shareholders in supporting capital strengthening was realized
dengan penambahan modal disetor secara bertahap di tahun by gradually increasing paid-in capital in 2016, 2017, and 2021 to
2016, 2017, dan 2021 guna mendukung pengembangan Bank untuk support the Bank’s development in order to realize the Bank’s Vision
mewujudkan Visi dan Misi Bank. and Mission.
Rincian Struktur Modal
Details of Capital Structure
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Komponen Modal Capital Components
Modal Inti 3.471.368 3.475.119 3.751 0,11 Core Capital
Modal Pelengkap 156.650 161.058 4.408 2,81 Supplementary Capital
Total Modal 3.628.018 3.636.177 8.159 0,22 Total Capital
Aktiva Tertimbang Menurut Risk Weighted
Risiko (ATMR) Assets (RWA)
Risiko Kredit 13.332.473 13.680.341 347.868 2,61 Credit Risk
Risiko Pasar 31.420 35.533 4.113 13,09 Market Risk
Risiko Operasional 537.024 789.946 252.922 47,10 Operational Risk
Total ATMR Risiko Kredit, Total ATMR for Credit, Market,
13.900.917 14.505.820 604.903 4,35
Pasar, dan Operasional and Operational Risks
Rasio KPMM dengan
CAR by Evaluating Credit
Memperhitungkan Risiko Kredit 26,16 25,13 (3,94)
and Operational Risks (%)
dan Operasional (%)
Rasio KPMM dengan
CAR by Evaluating Credit, Market,
Memperhitungkan Risiko Kredit, 26,10 25,07 (3,95)
and Operational Risks (%)
Pasar, dan Operasional (%)
Rasio Modal Inti terhadap ATMR (%) 24,97 23,96 (4,07) Core Capital to ATMR Ratio (%)
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pada tahun 2024, total modal Bank tercatat sebesar Rp3,64 triliun, In 2024, the total capital of the Bank was recorded at Rp3.64 trillion,
meningkat 0,22%. Di sisi lain, CAR Bank menurun dari 26,10% up 0.22%. On the other hand, the Bank’s CAR decreased from
pada tahun 2023 menjadi 25,07% pada tahun 2024. Berdasarkan 26.10% in 2023 to 25.07% in 2024. Based on composition, core
komposisinya, modal inti pada akhir tahun 2024 terdiri atas modal capital at the end of 2024 consisted of paid-in capital of Rp613.47
disetor sebesar Rp613,47 miliar, cadangan tambahan modal Rp2,92 billion, additional capital reserves of Rp2.92 trillion and core
triliun dan faktor pengurang modal inti utama sebesar Rp59,21 capital deduction of Rp59.21 billion, with supplementary capital of
miliar, dengan modal pelengkap sebesar Rp161,06 miliar. Rp161.06 billion.
Komitmen Material untuk Investasi Barang Material Commitments for Capital Goods
Modal Investment
Ikatan Material terkait Investasi Barang Modal Material Commitments related to Capital Goods
Investment
Pada tahun 2024, Bank INA tidak memiliki ikatan material investasi In 2024, Bank INA did not make any material commitments of capital
barang modal. Seluruh aktivitas investasi barang modal, baik dalam goods investment. All capital goods investment activities, either in
bentuk perangkat keras komputer, peralatan dan perlengkapan kantor, the form of computer hardware, office equipment and supplies, or
serta inventaris lainnya, bersumber dari penggunaan modal Bank. other inventories, are originated from the use of the Bank’s capital.
Investasi Barang Modal Capital Goods Investment
Investasi barang modal Bank INA dilakukan untuk memperbaiki Bank INA’s capital goods investment is carried out for the purpose
infrastruktur dan memperluas jaringan kantor. Total investasi of improving infrastructure and expanding office networks. In 2024,
barang modal tahun 2024 mencapai Rp106,45 miliar, mengalami total capital goods investment was recorded at Rp106.45 billion,
peningkatan sebesar Rp72,81 miliar atau 216,38%. Kenaikan ini a Rp72.81 billion increase or 216.38%. This increase was mainly
terutama disebabkan oleh peningkatan dalam pembangunan due to an increase in assets under construction of Rp28.78 billion.
yang mencapai Rp28,78 miliar. Rincian perubahan terkait investasi Changes related to capital goods investment are described in detail
barang modal akan diuraikan lebih lanjut dalam bentuk berikut. in the following table.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2023 2024 Growth (Decline) Description
Rp %
Bangunan - 15.511 15.511 100,00 Building
Perangkat Keras dan Lunak 11.677 11.219 (458) (3,92) Hardware and Software
Perabotan dan Peralatan Kantor 4.592 20.996 16.404 357,23 Office Furniture and Equipment
Leasehold Improvement 3.264 9.280 6.016 184,31 Leasehold Improvement
Kendaraan Bermotor 711 7.265 6.554 921,80 Vehicles
Dalam Pembangunan 13.403 42.182 28.779 214,72 Under Construction
Total 33.647 106.453 72.806 216,38 Total
Informasi Material Mengenai Investasi, Information on Material Transaction
Ekspansi, Divestasi, Penggabungan/ Pertaining to Investment, Expansion,
Peleburan Usaha, Akuisisi, atau Divestment, Business Merger/Consolidation,
Restrukturisasi Utang/Modal Acquisition, Debt/Capital Restructuring
Sepanjang tahun 2024, Bank tidak melakukan transaksi material Throughout 2024, the Bank conducted no material transaction
yang berkaitan dengan investasi, divestasi, ekspansi, penggabungan/ related to investment, divestment, expansion, business merger/
peleburan usaha, akuisisi, maupun restrukturisasi utang/modal. consolidation, acquisition, or debt/capital restructuring.
142 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Informasi Transaksi Material yang Mengandung Information on Material Transactions
Benturan Kepentingan dan/atau Transaksi Involving Conflicts of Interest and
dengan Pihak Afiliasi Transactions with Affiliated Parties
Sepanjang tahun 2024, Bank INA tidak terlibat dalam transaksi yang Throughout 2024, the Bank conducted no material transactions
bersifat material yang mengandung unsur benturan kepentingan involving elements of conflict of interest with related parties.
dengan pihak yang berelasi. Informasi transaksi material dengan Material transaction information with related parties can be seen in
pihak berelasi dapat dilihat pada Catatan 36 Laporan Keuangan Note 36 of the 2024 Audit Financial Report.
Audit 2024.
Setiap transaksi dengan pihak berelasi dilakukan sesuai dengan Every transaction with related parties is carried out in accordance
standar komersial yang adil (arm’s length) dan tidak memiliki tujuan with fair commercial standards (arm’s length) and does not have a
khusus yang melanggar peraturan yang berlaku. specific purpose that violates applicable regulations.
Pemenuhan Peraturan dan Ketentuan Terkait Compliance with Related Rules and Regulations
Seluruh transaksi dengan pihak berelasi dilakukan dengan mengacu All transactions with related parties are carried out by referring
pada standar akuntansi yang telah didefinisikan dalam PSAK to accounting standards that have been defined in PSAK No. 224
No. 224 mengenai “Pengungkapan Pihak-pihak Berelasi”. Dengan concerning “Disclosure of Related Parties”. Thus, there will be
demikian, tidak terdapat transaksi penyediaan dana kepada pihak no transactions providing funds to related parties of Bank INA
berelasi Bank INA sepanjang tahun 2024 yang melanggar ataupun throughout 2024 that violate or exceed BMPK.
melampaui BMPK.
Kebijakan Bank Terkait Mekanisme Review Bank Policy related to Review Mechanism
atas Transaksi for Transactions
Bank INA memiliki kebijakan yang mengatur transaksi-transaksi Bank INA has a policy that regulates transactions that potentially
yang berpotensi melibatkan konflik kepentingan dan/atau involve conflicts of interest and/or transactions with related
transaksi dengan pihak terkait. Kebijakan ini dirumuskan oleh parties. This policy is formulated by the Risk Management Work
Satuan Kerja Manajemen Risiko dan Satuan Kerja Kepatuhan, serta Unit and Compliance Work Unit, and is documented in standard
terdokumentasikan dalam standar operasional prosedur. Kebijakan operating procedures. This policy regulates the review mechanism
ini mengatur mekanisme peninjauan transaksi yang berpotensi for potentially conflicting transactions and ensures that they are
melibatkan konflik kepentingan serta memastikan bahwa transaksi executed with integrity and in accordance with applicable laws and
tersebut dijalankan dengan integritas dan sesuai dengan ketentuan regulations.
hukum dan peraturan yang berlaku
Informasi dan Fakta Material yang Terjadi Information and Material Facts that
Setelah Tanggal Laporan Akuntan Occur After the Balance Sheet Date
Tidak terdapat informasi dan fakta material yang terjadi setelah There was no information and material facts that occur after the
tanggal Laporan Akuntan. Balance Sheet date.
Perbandingan Target dan Realisasi 2024 Comparison between Target and Realization
[POJK51-F.2] 2024 [POJK51-F.2]
Sepanjang tahun 2024, pencapaian kinerja Bank belum sepenuhnya Throughout 2024, the Bank’s performance achievement has not
memenuhi target yang telah ditetapkan, seiring dengan berbagai fully met the predetermined targets, in line with various external
tantangan eksternal dan kondisi pasar yang dinamis. Meski challenges and dynamic market conditions. Nevertheless, the
demikian, Bank tetap menjaga stabilitas permodalan dan Bank continuously maintaining its capital stability and carrying out
melanjutkan upaya perbaikan kinerja secara berkelanjutan. efforts to improve performance in a sustainable manner.
PT Bank Ina Perdana Tbk 143
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pencapaian
Uraian Achievement Description
(%)
Total Aset 75,59 Total Assets
Surat Berharga 74,60 Securities
Penempatan pada Bank Indonesia dan Bank Lain 52,16 Placements with Bank Indonesia and Other Banks
Tagihan Reverse Repo 36,92 Reverse Repo Receivables
Kredit 71,35 Loans
Simpanan Nasabah 72,78 Customer Deposits
Ekuitas 92,75 Equity
Pendapatan Bunga Bersih 66,31 Net Interest Income
Laba Bersih 36,29 Net Profit
CAR (%) 1,89 CAR (%)
ROE (%) (1,47) ROE (%)
ROA (%) (0,22) ROA (%)
NIM (%) (0,01) NIM (%)
BOPO (%) (0,48) BOPO (%)
NPL-gross (%) 0,01 NPL-gross (%)
NPL-net (%) 0,55 NPL-net (%)
Indikator pencapaian realisasi tersebut dijelaskan sebagai berikut. Indicators of achievement of such realization are expressed as follows.
1. Total aset telah mencapai sebesar 75,59% dari target yang telah 1. Total assets have reached 75.59% of the set target.
ditetapkan.
2. Penyaluran kredit telah mencapai sebesar 71,35%, dan 2. Credit distribution has reached 71.35%, and customer deposits
simpanan nasabah sebesar 72,78% dari target anggaran. 72.78% of the budget target.
3. Penempatan dana pada surat berharga, Bank Indonesia dan 3. Fund placements in securities, Bank Indonesia, other banks,
bank lain, serta tagihan reverse repo masing-masing telah and reverse repo receivables have reached 52.16% and 36.92%
mencapai sebesar 52,16% dan 36,92%. respectively.
4. Pendapatan bunga bersih dan laba bersih telah mencapai 4. Net interest income and net profit have reached 66.31% and
masing-masing sebesar 66,31% dan 36,29%. 36.29% respectively.
5. Rasio permodalan (CAR) tercapai sebesar 1,89% sedangkan ROE 5. The capital adequacy ratio (CAR) reached 1.89% whereas ROE
dan ROA belum tercapai masing-masing sebesar 1,47% dan and ROA have not been achieved, reaching 1.47% and 0.22%
0,22%. respectively.
6. NIM tercatat sebesar 0,01% dan BOPO mampu mengalami 6. NIM was recorded at 0.01% and BOPO successfully decreased
penurunan sebesar 0.48%. by 0.48%.
7. Rasio NPL gross tercapai sebesar 0,01%, dan NPL-net meningkat 7. The gross NPL ratio reached 0.01%, and net NPL increased by
0,55% dari target. 0.55% from the target.
Nilai Ekonomi Langsung yang Dihasilkan Direct Economic Value Generated
dan Didistribusikan and Distributed
Bank INA berkomitmen untuk memberikan manfaat dengan Bank INA is committed to providing benefits through economic
mendistribusikan nilai ekonomi kepada para pemangku value distributed to stakeholders, outlined as follows.
kepentingan, yang diuraikan sebagai berikut.
Uraian 2023 2024 Description
Nilai Ekonomi Langsung yang Dihasilkan 2.682.120 4.428.973 Direct Economic Values Generated
Penerimaan Bunga, Provisi, dan Komisi 1.962.198 1.846.172 Interest Income, Fees, and Commission
Pendapatan Operasional Lainnya 51.900 44.835 Other Operating Income
Penerimaan atas Penjualan Aset Tetap 22 324 Proceeds from Sale of Fixed Assets
Penerimaan Efek-Efek yang telah Jatuh Tempo 668.000 2.537.642 Proceeds from Matured Marketable Securities
Nilai Ekonomi yang Didistribusikan 1.386.198 1.671.564 Economic Value Distributed
144 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Uraian 2023 2024 Description
Pembayaran Bunga 992.666 1.167.404 Payments of Interest
Pembayaran Beban Operasional Lainnya 108.975 187.657 Payments of other Operating Expense
Pembayaran Beban Tenaga Kerja 192.653 248.279 Payments of Personnel Expense
Pembayaran Pajak Penghasilan 66.867 41.026 Payment of Income Tax
Pembayaran Liabilitas Sewa 24.823 26.918 Payment of Lease Liabilities
Pembagian Dividen - - Dividend Distribution
Pembiayaan Kegiatan CSR 214 279 Payment of CSR Activities
Nilai Ekonomi Ditahan 1.295.922 2.757.410 Retained Economic Value
Kebijakan dan Pembagian Dividen Dividend Policy and Distribution
Menurut Anggaran Dasar, pembayaran dividen hanya dapat By referring to the Articles of Association, dividends can only be
dilakukan sesuai dengan kondisi keuangan Bank, yang ditentukan paid in accordance with the Bank’s financial capacity, based on the
melalui keputusan yang diambil dalam RUPS. Pembagian dividen resolutions taken at the GMS. The Bank’s dividend distribution is
juga dipertimbangkan dengan memperhatikan aspek lain, seperti also carried out by considering other matters, such as profit growth,
pertumbuhan laba, kecukupan modal, rencana pengembangan capital adequacy, business development plans, and other factors
usaha, dan faktor-faktor lain yang dianggap relevan. deemed relevant.
Sesuai keputusan RUPS Tahunan 2023 tanggal 16 Juni 2023 dan In accordance with the resolutions of the 2023 Annual GMS on
RUPS Tahunan 2024 tanggal 20 Juni 2024, Bank INA tidak melakukan June 16, 2023, and the 2024 Annual GMS on June 20, 2024, Bank INA
pembagian dividen. Hal ini dikarenakan laba bersih Bank INA untuk did not distribute dividends. This was due to Bank INA’s net income
tahun buku 2022 dan 2023 dibukukan sebagai laba ditahan dalam for the 2022 and 2023 financial years were recorded as retained
rangka memperkuat posisi permodalan Bank. earnings to strengthen the Bank’s capital position.
Realisasi Penggunaan Dana Hasil Penawaran Realization of the Use of Public Offering
Umum Proceeds
Pada tahun 2024, Bank INA memiliki kewajiban atas pelaporan In 2024, Bank INA has an obligation to report the use of funds from
penggunaan dana hasil Penawaran Umum Terbatas IV dalam the Limited Public Offering IV in the context of Preemptive Rights
rangka Hak Memesan Efek Terlebih Dahulu (HMETD). Laporan (HMETD). The report has been submitted to the Financial Services
tersebut telah disampaikan kepada Otoritas Jasa Keuangan sesuai Authority in accordance with the provisions of the Financial Services
ketentuan Peraturan Otoritas Jasa Keuangan No. 30/POJK.04/2015 Authority Regulation No. 30/POJK.04/2015 concerning Report on
tentang Laporan Realisasi Penggunaan Dana Hasil Penawaran the Realization of the Use of Public Offering Proceeds. Information
Umum. Informasi terkait realisasi pelaksanaan penawaran umum related to the realization of the public offering is disclosed as
diungkapkan sebagai berikut. follows.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Nilai Realisasi Hasil Penawaran Umum
Actual Value of Public Offering Proceeds Realisasi
Rencana
Jenis Penawaran Tanggal Total Hasil Hasil Penggunaan
Biaya Penggunaan Sisa Dana
Umum Efektif Penawaran Realisasi Dana
Penawaran Dana Remaining
Type of Public Effective Umum Bersih Realization
Umum Plan of Use of Proceeds
Offering Date Total Public Net of Use of
Public Offering Proceeds
Offering Realization Proceeds
Cost
Proceeds Proceeds
Penambahan Modal 30 November 800.372.805.750 5.665.147.838 794.707.657.912 794.707.657.912 794.707.657.912 -
dengan Memberikan 2022
HMETD - PUT IV
Capital Increase November 30,
with Pre-emptive 2022
Rights - PUT IV
(Right Issue IV)
PT Bank Ina Perdana Tbk 145
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Prospek Usaha 2025 2025 Business Outlook
Prospek usaha perbankan pada tahun 2025 menunjukkan arah The outlook for banking business in 2025 shows a positive trend,
yang positif, seiring dengan proyeksi pertumbuhan ekonomi in line with projection of a stable global and national economic
global dan nasional yang stabil. Pertumbuhan ekonomi dunia growth. World economic growth is estimated to reach 3.2%, while
diperkirakan mencapai 3,2%, sementara pertumbuhan ekonomi Indonesia’s economic growth is projected to be well within the 4.7%
Indonesia diproyeksikan berada pada kisaran 4,7% hingga 5,5% to 5.5% (yoy) range, driven by increasing investment in the strategic
(yoy), didorong oleh peningkatan investasi di sektor-sektor strategis sectors that may potentially boost the demands for financial
yang berpotensi mendorong permintaan terhadap layanan jasa services.
keuangan.
Bank Indonesia menyampaikan bahwa digitalisasi dan inovasi Bank Indonesia also stated that digitalization and technological
teknologi di sektor perbankan akan terus berkembang, memberikan innovation in the banking sector will continue its development pace,
kontribusi signifikan terhadap efisiensi operasional dan perluasan providing significant contribution to the operational efficiency and
inklusi keuangan. Sementara itu, menurut Indef, kebijakan fiskal expanding the financial inclusion. Meanwhile, Indef sees that the
dan moneter yang adaptif diharapkan mampu menjaga stabilitas adaptive fiscal and monetary policies are expected to be able to
sistem keuangan nasional, termasuk perbankan. maintain the stability of national financial system, including banking.
Didukung oleh kolaborasi yang kuat antara pemerintah, regulator, Supported by solid collaboration between the government,
dan pelaku industri, sektor perbankan diperkirakan akan mampu regulators, and industry players, the banking sector is projected
menghadapi berbagai tantangan dan menangkap peluang to be able to withstand various challenges and seize bigger growth
pertumbuhan yang lebih besar pada tahun 2025. opportunities in 2025.
Dalam merespons pemulihan ekonomi global dan optimisme In responding to the recovery of global economy and optimism
terhadap prospek usaha di tahun mendatang, Bank INA telah on business outlook in the coming year, Bank INA has developed
menyusun sejumlah strategi inovatif, antara lain: several innovative strategies, including:
1. Melanjutkan implementasi hybrid banking model, yaitu 1. Continuing the implementation of a hybrid banking model,
menggabungkan kekuatan jaringan kantor cabang dengan which combines the strength of branch network and the
penyediaan layanan digital untuk memenuhi kebutuhan provision of digital services to fulfill the needs of digital-savvy
nasabah digital-savvy maupun menjangkau segmen yang customers, as well as reaching out to segment left out by
belum terlayani oleh jaringan fisik. physical channel services.
2. Mengembangkan kapabilitas sumber daya manusia (SDM) 2. Comprehensively developing human resources capabilities,
secara menyeluruh, dengan fokus pada peningkatan by focusing on improving competencies of the frontliners,
kompetensi unit frontliner, pengembangan bisnis, teknologi business development, information technology units, as well
informasi, serta penguatan budaya kerja yang agile dan adaptif. as strengthening the agile and adaptive work culture.
3. Mengoptimalkan fungsi dan potensi jaringan kantor cabang 3. Optimizing the functions and potentials of existing branches
yang telah ada, serta mengevaluasi peluang ekspansi cabang while evaluating the possibility to selectively add new branches.
baru secara selektif. Di saat yang sama, Bank akan memperkuat At the same time, the Bank will strengthen the development of
pengembangan produk digital banking dan meningkatkan digital banking product and contributing more in the capital
kontribusi dalam layanan pasar modal melalui peran sebagai market services through its roles as RDN Administrator Bank,
Bank Administrator RDN, Bank Pembayaran, dan Bank Kustodian. Payment Bank and Custodian Bank.
4. Menyelaraskan seluruh channel touch point yang dimiliki, baik 4. Aligning all of the existing touch point channels, both physical
fisik maupun digital, untuk memberikan pengalaman layanan and digital, to provide an integrated service experience for
yang terintegrasi kepada nasabah. Langkah ini mencakup the customers. This strategy include strengthening of services
penguatan layanan melalui kantor cabang, ATM, mobile banking, through branch offices, ATMs, mobile banking, internet
internet banking, contact center, EDC, dan QRIS, guna mendorong banking, contact centers, EDC, and QRIS, to drive ownership of
kepemilikan multi-produk dan peningkatan inklusi keuangan. multi-products and enhance financial inclusion.
146 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Proyeksi Tahun 2025 2025 Projections
Mengacu pada kondisi ekonomi global dan domestik, serta By taking into account both global and national economic
menganalisis keadaan industri dan prospek bisnis, Bank INA telah conditions, as well as considering industrial conditions and business
menetapkan proyeksi usaha untuk tahun 2025 dibandingkan prospects, Bank INA has set business projections for 2025 compared
dengan realisasi tahun 2024 sebagai berikut. to the realization in 2024 as follows.
Pertumbuhan 2025
Uraian Description
2025 Growth
Total Aset 10,93 Total Assets
Surat Berharga 3,54 Securities
Penempatan pada Bank Indonesia dan Bank Lain 27,65 Placements with Bank Indonesia and Other Banks
Tagihan Reverse Repo 117,06 Reverse Repo Receivables
Kredit 27,49 Loans
Simpanan Nasabah 13,02 Customer Deposits
Ekuitas 5,88 Equity
Pendapatan Bunga Bersih 29,05 Net Interest Income
Laba Bersih 73,92 Net Profit
Proyeksi 2025
Uraian Description
2025 Projection
CAR (%) (3,28) CAR (%)
ROE (%) 1,57 ROE (%)
ROA (%) 0,27 ROA (%)
NIM (%) 0,49 NIM (%)
BOPO (%) (2,84) BOPO (%)
NPL-gross (%) (0,38) NPL-gross (%)
NPL-net (%) (0,35) NPL-net (%)
Perubahan Kebijakan Akuntansi Amendments to Accounting Policies
Standar akuntansi revisi yang telah disahkan oleh Dewan Standar Following are the revised accounting policies issued by Financial
Akuntansi Keuangan (DSAK) yang dipandang relevan terhadap Accounting Standards Board (DSAK) that are considered relevant
pelaporan keuangan Bank namun belum berlaku efektif untuk to the financial reporting of the Bank but not yet effective for the
Laporan Keuangan tanggal 31 Desember 2024: Financial Statements of December 31, 2024.
ISAK/Amandemen PSAK Dampak terhadap Laporan Keuangan
Amendments to ISAK/PSAK Impact on Financial Statements
Amendemen PSAK No. 221: “Pengaruh Perubahan Kurs Valuta Asing” terkait Belum berlaku efektif untuk laporan keuangan tanggal 31 Desember 2024
kondisi ketika suatu mata uang tidak tertukarkan (Efektif berlaku pada atau dan dampak untuk perubahan saat ini tidak signifikan terhadap penyusunan
setelah tanggal 1 Januari 2025). laporan keuangan bank
Amendment of PSAK No, 221: “The Effect of Changes in Foreign Exchange Not yet effective for December 31, 2024 financial statements and impact of
Rates” regarding to conditions when a currency is not exchangeable (Effective changes currently not significant for the preparation of financial statements
on or after January 1, 2025). of the bank
Amandemen PSAK No. 109, “Instrumen Keuangan” dan PSAK No. 107,
“Instrumen Keuangan Pengungkapan tentang Klasifikasi dan Pengukuran
Instrumen Keuangan”. (Efektif berlaku pada atau setelah tanggal 1 Januari 2026).
Amendment of PSAK No. 109, “Financial Instruments” and PSAK No. 107,
“Financial Instruments: Disclosures about the Classification and Measurement
of Financial Instruments”. (Effective on or after January 1, 2026).
PT Bank Ina Perdana Tbk 147
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Perubahan Peraturan Perundang-Undangan Amendments to Laws and Regulations
yang Berpengaruh Signifikan Terhadap Bank that Significantly Affect the Bank
Peraturan yang telah diterbitkan dan dipandang relevan terhadap Regulations that have been issued and are considered relevant to
kondisi Bank INA, serta mulai berlaku efektif pada periode Bank INA’s condition, and become effective in the reporting period,
pelaporan, antara lain: include:
1. Peraturan Otoritas Jasa Keuangan No. 5 Tahun 2024 tentang 1. Financial Services Authority Regulation No. 5 of 2024 on the
Penetapan Status Pengawasan dan Penanganan Permasalahan Determination of Supervision Status and Resolution of Issues in
Bank Umum; Commercial Banks;
2. Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2024 tentang 2. Financial Services Authority Regulation No. 12 of 2024 on the
Penerapan Strategi Anti-Fraud bagi Bank Umum; Implementation of Anti-Fraud Strategies for Commercial Banks;
3. Peraturan Otoritas Jasa Keuangan No. 15 Tahun 2024 tentang 3. Financial Services Authority Regulation No. 15 of 2024 on
Integritas Pelaporan Keuangan Bank; the Integrity of Financial Reporting by Banks;
4. Peraturan Otoritas Jasa Keuangan No. 26 Tahun 2024 tentang 4. Financial Services Authority Regulation No. 26 of 2024 on
Perluasan Kegiatan Usaha Perbankan; the Expansion of Banking Business Activities;
5. Peraturan Otoritas Jasa Keuangan No. 30 Tahun 2024 tentang 5. Financial Services Authority Regulation No. 30 of 2024 on
Konglomerasi Keuangan dan Perusahaan Induk Konglomerasi Financial Conglomerates and the Parent Companies of
Keuangan; serta Financial Conglomerates; and
6. Peraturan Otoritas Jasa Keuangan No. 44 Tahun 2024 tentang 6. Financial Services Authority Regulation No. 44 of 2024 on
Rahasia Bank. Bank Secrecy.
Penentuan Suku Bunga Dasar Kredit Determining the Prime Lending Rate
Dalam upaya untuk meningkatkan transparansi dan publikasi In an effort to improve transparency and publication of the Report,
Laporan, Bank INA menyajikan Suku Bunga Dasar Kredit (SBDK) Bank INA presents Prime Lending Rate (SBDK) through its website
melalui situs web dan Laporan Tahunan. Langkah ini bertujuan and Annual Report. This step aims to support good corporate
untuk mendukung praktik tata kelola perusahaan yang baik serta governance practices and encourage healthy competition in the
mendorong persaingan yang sehat di industri perbankan. Perhitungan banking industry. The prime lending rate calculation is based on
SBDK didasarkan pada beberapa faktor, seperti Harga Pokok Dana several factors, such as Cost of Funds for Credit (HPDK), overhead
untuk Kredit (HPDK), biaya overhead, dan margin keuntungan yang costs, and predetermined profit margins. However, prime lending
telah ditetapkan. Namun, SBDK tidak memperhitungkan premi rate do not take into account the risk premium which may vary
risiko yang mungkin bervariasi tergantung pada evaluasi risiko yang depending on the risk evaluation conducted by the Bank on each
dilakukan oleh Bank terhadap setiap debitur atau kelompok debitur. debtor or group of debtors. Therefore, the loan interest rate charged
Oleh karena itu, suku bunga kredit yang dikenakan kepada debitur to debtors may differ from the prime lending rate.
mungkin berbeda dengan nilai SBDK.
Informasi terkait perubahan SBDK tersedia di Kantor Cabang Information regarding changes in prime lending rate is available
Bank dan melalui situs web resmi www.bankina.co.id. Informasi at Bank Branches and via official website www.bankina.co.id.
mengenai SBDK per triwulan yang telah ditetapkan oleh Bank INA Information on quarterly prime lending rate set by Bank INA for
selama tahun 2024, diungkapkan pada tabel berikut. 2024 is disclosed in the following table.
(dalam % / in %)
Suku Bunga Dasar Kredit Berdasarkan Segmen Kredit
Prime Lending Rate Based on Credit Segment
Periode Kredit Konsumsi
Period Kredit Korporasi Kredit Ritel Consumer Loans
Corporate Credit Retail Credit KPR Non-KPR
House Loan Non-House Loan
Triwulan I 2024
9,96 9,96 9,96 11,46
Quarter I 2024
Triwulan II 2024
9,25 9,25 9,25 10,75
Quarter II 2024
Triwulan III 2024
9,42 9,42 9,42 10,92
Quarter III 2024
Triwulan IV 2024
9,42 9,52 9,60 10,32
Quarter IV 2024
148 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Informasi Kelangsungan Usaha Information on Business Continuity
Hal yang Berpengaruh Signifikan Matters with Significant Impact
Terhadap Kelangsungan Usaha on Business Continuity
Tidak terdapat hal-hal signifikan yang memengaruhi kelangsungan There were no significant matters affecting Bank INA’s business
usaha Bank INA selama periode pelaporan. continuity throughout the reporting period.
Assessment Manajemen untuk Mengelola Management Assessment to Manage Significantly
Potensi yang Berpengaruh Signifikan Affecting Potential
Manajemen Bank INA telah melakukan evaluasi dan assessment Bank INA’s management has evaluated and assessed the ability and
terhadap kemampuan dan pencapaian target kinerja di seluruh achievement of performance targets in all divisions. Until the 2024
divisi. Hingga Laporan Tahunan 2024 diterbitkan, Bank tidak Annual Report is published, the Bank has not found any findings on
mendapatkan temuan atas ketidakpastian material yang dapat material uncertainties that may cast significant doubt on the Bank’s
menimbulkan keraguan yang signifikasi atas kemampuan Bank ability to maintain business continuity.
untuk mempertahankan kelangsungan usaha.
Asumsi yang Digunakan Manajemen Assumptions Used by the Management in
dalam Assessment Conducting Assessment
Dalam melakukan assessment, Manajemen Bank INA In conducting the assessment, the factors considered by
mempertimbangkan beberapa faktor kunci, termasuk kinerja Bank INA’s Management consist of financial performance, level of
keuangan, tingkat kecukupan modal, likuiditas, profitabilitas, capital adequacy, liquidity, profitability, internal problems, as well
permasalahan internal, dan perkara hukum yang dihadapi saat ini as current and future legal cases.
dan yang mungkin timbul di masa depan.
PT Bank Ina Perdana Tbk 149
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TINJAUAN PENDUKUNG BISNIS 150 PT Bank Ina Perdana Tbk
Page 153
Business Support Overview
PT Bank Ina Perdana Tbk 151
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Tinjauan Pendukung Bisnis
Business Support Overview
Sumber Daya Manusia
Human Resources
Bank INA Perdana berkomitmen untuk mengelola sumber daya Bank INA Perdana is committed to managing human resources (HR)
manusia (SDM) secara bertanggung jawab, dengan tujuan menciptakan responsibly, with the aim of creating an inclusive work environment
lingkungan kerja yang inklusif dan mendukung pertumbuhan serta that supports sustainable growth and employee welfare. This
kesejahteraan SDM yang berkelanjutan. Komitmen ini diwujudkan commitment is demonstrated through compliance with applicable
melalui kepatuhan terhadap peraturan dan kebijakan yang berlaku, regulations and policies, as well as the implementation of best HR
serta penerapan standar pengelolaan SDM terbaik. management practices.
Jumlah dan Komposisi SDM HR Number and Composition
Jumlah dan komposisi SDM Bank secara konsisten dikelola dan The number and composition of the Bank’s human resources
disesuaikan dengan perkembangan bisnis, serta mempertimbangkan are consistently managed and adjusted in line with business
rencana bisnis jangka pendek, menengah, dan panjang. Berikut adalah developments, taking into account short-term, medium-term,
informasi mengenai jumlah SDM Bank INA dalam 5 tahun terakhir. and long-term business plans. Below is information on Bank INA’s
human resources over the past 5 years.
Jumlah SDM Bank INA Tahun 2020-2024
Total HR of Bank INA 2020-2024
1.187
997
739
585 619
2020 2021 2022 2023 2024
Pengelolaan SDM tidak hanya memastikan kepatuhan yang HR management not only ensures proper compliance but
tepat, namun juga berfokus pada pengembangan karyawan serta also focuses on employee development and the creation of
penciptaan lingkungan kerja yang mendukung keberagaman dan a work environment that supports diversity and inclusion.
inklusi. Komitmen ini tercermin dari perbandingan jumlah SDM This commitment is reflected in the comparison of HR numbers over
selama 3 tahun terakhir, yang dirinci sebagai berikut. the past 3 years, detailed as follows.
Komposisi Karyawan Berdasarkan Jenjang Pendidikan
Composition of Employees Based on Education Level
2024 2023 2022
Jenjang Pendidikan Pria Wanita Total Pria Wanita Total Pria Wanita Total Educational level
Male Female Total Male Female Total Male Female Total
S3 2 2 4 2 1 3 2 - 2 Doctorate
S2 41 47 88 42 35 77 29 22 51 Master
S1 403 304 707 345 234 579 238 148 386 Bachelor
D3-D4 44 31 75 46 26 72 37 19 56 Diploma 3-Diploma 4
D1 4 4 8 2 3 5 2 2 4 Diploma 1
<SLTA 258 47 305 211 50 261 200 40 240 <High School
Total 752 435 1.187 648 349 997 508 231 739 Total
152 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Komposisi Karyawan Berdasarkan Rentang Usia
Composition of Employees Based on Age Range
2024 2023 2022
Rentang Usia Pria Wanita Total Pria Wanita Total Pria Wanita Total Age Range
Male Female Total Male Female Total Male Female Total
20-24 Tahun 56 51 107 46 37 83 35 33 68 20-24 Years Old
25-29 Tahun 180 139 319 155 122 277 115 73 188 25-29 Years Old
30-34 Tahun 161 61 222 128 44 172 104 31 135 30-34 Years Old
35-39 Tahun 114 64 178 114 56 170 82 31 113 35-39 Years Old
40-44 Tahun 100 39 139 72 23 95 59 19 78 40-44 Years Old
45-49 Tahun 64 26 90 59 22 81 48 18 66 45-49 Years Old
50-54 Tahun 36 20 56 38 17 55 39 11 50 50-54 Years Old
>55 Tahun 41 35 76 36 28 64 26 15 41 >55 Years Old
Total 752 435 1.187 648 349 997 508 231 739 Total
Jumlah Level Karyawan yang Dimiliki oleh Pria dan Wanita Berdasarkan Rentang Usia Tahun 2024 Sesuai
Pengungkapan ESG [ESG-S.02]
Number of Employee Levels by Gender and Age Range in 2024 Based on ESG Disclosure
Level Jabatan
Position Levels
Rentang Usia (Tahun)
Supporting Unit Entry-Level Mid-Level Senior-Level Executive-Level
Age Range (Year) Total
Pria Wanita Pria Wanita Pria Wanita Pria Wanita Pria Wanita Total
Male Female Male Female Male Female Male Female Male Female
18-24 17 3 29 39 10 9 - - - - 107
25-34 97 10 128 104 110 85 6 - - 1 541
35-44 67 4 37 18 82 59 18 18 10 4 317
45-54 41 - 4 - 36 25 7 10 12 11 146
>55 5 - 1 1 13 7 8 9 14 18 76
Komposisi Karyawan Berdasarkan Tingkatan Jabatan
Composition of Employees Based on Position Levels
2024 2023 2022
Tingkatan Jabatan Pria Wanita Total Pria Wanita Total Pria Wanita Total Position Levels
Male Female Total Male Female Total Male Female Total
Dewan Komisaris 2 1 3 2 1 3 2 1 3 Board of Commissioners
Direksi 4 2 6 4 1 5 4 1 5 Board of Directors
Assistant Vice President - Assistant Vice President -
30 31 61 31 22 53 29 14 43
Executive Vice President Executive Vice President
Manager - Senior Manager 39 37 76 74 38 112 46 20 66 Manager – Senior Manager
Senior Supervisor 20 8 28 50 32 82 41 23 64 Senior Supervisor
Officer - Supervisor 231 177 408 115 97 212 77 69 146 Officer - Supervisor
Administration - Administration –
199 162 361 188 147 335 160 103 263
Senior Administration Senior Administration
Supporting Supporting (Including
227 17 244 184 11 195 149 - 149
(Termasuk Alih Daya) Outsourcing)
Total 752 435 1.187 648 349 997 508 231 739 Total
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Tinjauan Pendukung Bisnis
Business Support Overview
Komposisi Karyawan Berdasarkan Status Kepegawaian
Composition of Employees Based on Employment Status
2024 2023 2022
Status Employment
Kepegawaian Pria Wanita Total Pria Wanita Total Pria Wanita Total Status
Male Female Total Male Female Total Male Female Total
Tetap 320 258 578 270 178 448 209 131 340 Permanent
Tidak Tetap 205 160 365 200 160 360 158 100 258 Non-Permanent
Outsourcing 227 17 244 178 11 189 141 - 141 Outsourcing
Total 752 435 1.187 648 349 997 508 231 739 Total
Komposisi Karyawan Berdasarkan Masa Kerja
Composition of Employees Based on Years of Service
2024 2023 2022
Masa Kerja Pria Wanita Total Pria Wanita Total Pria Wanita Total Years of Service
Male Female Total Male Female Total Male Female Total
>20 Tahun 11 9 20 11 6 17 12 5 17 >20 Years
15-20 Tahun 9 10 19 6 8 14 10 9 19 15-20 Years
10-15 Tahun 38 24 62 27 21 48 21 19 40 10-15 Years
5-10 Tahun 102 40 142 65 36 101 40 32 72 5-10 Years
0-5 Tahun 592 352 944 539 278 817 425 166 591 0-5 Years
Total 752 435 1.187 648 349 997 508 231 739 Total
Tingkat Perputaran Karyawan
Employee Turnover Rate
Uraian 2024 2023 2022 Description
Karyawan Akhir Tahun 1.187 997 739 End of Year Employee
Karyawan yang Keluar *)
113 123 101 Employees Leaving*)
Tingkat Perputaran Karyawan (%) 10,35 14,17 14,87 Employee Turnover Rate (%)
*)
Voluntary turn over and retirement
Tingkat Pergantian Pegawai [ESG-S.03]
Employee Turnover Rate
Persentase Karyawan
Uraian Jumlah Karyawan 2024
Employee Percentage
Description Total Employee 2024
(%)
Jumlah Karyawan Resign/Pemutusan Hubungan Kerja
147 15,59
Number of Employees Resign / Termination
Jumlah Karyawan Baru/Pengganti
282 29,90
Number of New/Replacement Employees
Jumlah Karyawan Sementara [ESG-S.04]
Number of Temporary Employees
Persentase Karyawan
Uraian Jumlah Karyawan 2024
Employee Percentage
Description Total Employee 2024
(%)
Jumlah Karyawan Perseroan yang Dipegang oleh Kontraktor dan/atau Konsultan
- -
Number of Company Employees Engaged Through Contractors and/or Consultants
154 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Tata Kelola SDM HR Governance
Divisi Human Capital (HC) Bank INA memiliki peran strategis The Human Capital (HC) Division of Bank INA plays a strategic
dalam berkolaborasi dengan seluruh divisi dan unit kerja untuk role in collaborating with all divisions and work units to ensure
memastikan pengelolaan SDM yang efektif dan berkelanjutan. Hal effective and sustainable human Resource management. This aims
ini bertujuan untuk mendukung kinerja Bank secara optimal dan to support the Bank’s optimal performance and provide the best
memberikan pelayanan terbaik kepada nasabah. Sepanjang 2024, service to customers. Throughout 2024, the HC Division continues
Divisi HC terus mengembangkan dan melakukan inovasi SDM, to develop and innovate in human resources, aligning with the
selaras dengan strategi Bank secara menyeluruh. Bank’s overall strategy.
Roadmap Perencanaan Tenaga Kerja Manpower Planning Roadmap
SDM merupakan aset paling berharga dalam mewujudkan Visi Human resources are the most valuable asset in realizing the Bank’s
dan Misi Bank. Tim yang kompeten dan termotivasi menjadi Vision and Mission. A competent and motivated team is the key to
kunci dalam memberikan layanan terbaik kepada nasabah delivering the best service to customers while driving sustainable
sekaligus mendorong pertumbuhan bisnis yang berkelanjutan. business growth. Therefore, a comprehensive workforce planning
Oleh karena itu, disusun roadmap perencanaan tenaga kerja yang roadmap has been developed to identify future human resource
komprehensif untuk mengidentifikasi kebutuhan SDM di masa needs, ensure accurate position fulfillment, and support the Bank’s
depan, memastikan pengisian posisi secara tepat, dan mendukung long-term strategy.
strategi jangka panjang.
Roadmap ini mencakup kualifikasi calon SDM, metode rekrutmen, This roadmap covers HR candidate qualifications, recruitment
proses seleksi, serta program pelatihan yang mencakup methods, selection processes, and training programs that focus
pengembangan soft skill dan technical skill. Selain itu, roadmap on developing both soft skills and technical skills. Additionally,
ini mempertimbangkan kesesuaian kompetensi SDM dengan this roadmap considers the alignment of HR competencies
kebutuhan produk yang akan diluncurkan dan kepatuhan terhadap with upcoming product needs and compliance with applicable
kebijakan pemerintah yang berlaku. government regulations.
Pemetaan SDM diselaraskan dengan pengembangan bisnis Bank The human resource mapping is aligned with the Bank’s business
dan mengacu pada Rencana Bisnis Bank (RBB). Langkah-langkah development and refers to the Bank Business Plan (RBB). These
strategis ini mendukung optimalisasi pengelolaan SDM melalui strategic steps support the optimization of human resource
penerapan kebijakan yang efektif, penguatan hubungan kerja management through the implementation of effective policies,
yang harmonis, serta peninjauan kinerja secara berkala. Dengan strengthening harmonious working relationships, and conducting
demikian, Bank dapat mencapai target kinerja sekaligus menjaga regular performance reviews. As such, the Bank can achieve its
pertumbuhan yang berkelanjutan. performance targets while maintaining sustainable growth.
Program Rekrutmen Recruitment Program
Dalam memenuhi kebutuhan SDM yang berkualitas dan In order to meet the need of qualified human resources and support
mendukung pencapaian target bisnis, program rekrutmen telah the achievement of business targets, the recruitment program has
dilaksanakan dengan pendekatan yang profesional dan terstruktur. been implemented with a professional and structured approach.
Proses rekrutmen ini memanfaatkan berbagai platform, termasuk This recruitment process utilizes various platforms, including social
media sosial, situs karier, kerja sama dengan institusi pendidikan, media, career websites, partnerships with educational institutions,
serta saluran khusus lowongan kerja, guna menjangkau kandidat and specialized job vacancy channels, to reach potential candidates
potensial secara luas dan tepat sasaran. widely and effectively.
Sebagai bagian dari upaya peningkatan kualitas SDM, Divisi HC As part of the effort to enhance the quality of human resources,
secara berkala mengevaluasi dan menyempurnakan program the HC Division regularly evaluates and improves the recruitment
rekrutmen. Langkah ini bertujuan untuk memastikan ketersediaan program. This step ensures the availability of qualified human
SDM yang berkualitas dan sesuai dengan kebutuhan bisnis yang resources that align with the dynamic business needs. This initiative
dinamis. Inisiatif ini juga memperkuat implementasi prinsip know also strengthens the implementation of the know your employee
your employee (KYE) sebagai dasar dalam membangun hubungan (KYE) principle, which serves as the foundation for building
yang berkelanjutan dengan setiap karyawan serta mendukung long-term relationships with each employee and supporting the
keberlanjutan bisnis Bank di masa depan. Bank’s future business sustainability.
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Pengembangan Kualitas SDM [ESG-S.05] HR Quality Development [ESG-S.05]
Pengembangan kualitas SDM pada tahun 2024 menjadi salah satu Developing the quality of human resources in 2024 has become
prioritas utama, dengan fokus pada peningkatan kompetensi one of the main priorities, with a focus on enhancing both technical
teknis dan soft skills. Program pelatihan yang telah dilaksanakan competencies and soft skills. The training programs implemented
mencakup pelatihan teknis dan sertifikasi wajib, antara lain: include technical training and mandatory certifications, such as:
1. Sertifikasi Manajemen Risiko; 1. Risk Management Certification;
2. Refreshment Sertifikasi Manajemen Risiko; 2. Refreshment of Risk Management Certification;
3. Anti-Pencucian Uang dan Pencegahan Pendanaan Terorisme 3. Anti-Money Laundering and Counter-Terrorism Financing
(APU-PPT); (AML-CTF);
4. Kesadaran Anti-Fraud; 4. Anti-Fraud Awareness;
5. Sertifikasi Treasury; serta 5. Treasury Certification; and
6. Pelatihan Berbasis Kompetensi dan Sertifikasi di bidang Sistem 6. Competency-Based Training and Certification in Payment
Pembayaran dan Pengelolaan Uang Rupiah (SPPUR). System and Rupiah Currency Management (SPPUR).
Untuk memperkuat soft skills karyawan, Bank menyediakan To strengthen employees’ soft skills, the Bank offers training in
pelatihan komunikasi efektif, presentasi, negosiasi, dan kerja sama effective communication, presentation, negotiation, and teamwork.
tim. Selain itu, program pengembangan kepemimpinan dirancang Additionally, leadership development programs are designed to
untuk membekali karyawan dengan keterampilan problem solving, equip employees with problem-solving, decision-making, and team
pengambilan keputusan, dan motivasi tim. motivation skills.
Pelatihan mandatory ini diberikan secara bertahap kepada seluruh These mandatory trainings are provided gradually to all employees,
karyawan, termasuk Dewan Komisaris, Direksi, Pejabat Bank di unit including the Board of Commissioners, the Board of Directors, Bank
kerja, serta jabatan tertentu. Bank menyadari bahwa kombinasi Officials in work units, and certain positions. The Bank recognizes
antara kompetensi teknis yang kuat dan soft skills yang mumpuni that a combination of strong technical competencies and solid soft
akan menciptakan SDM yang berkualitas dan berdaya saing tinggi. skills will create high-quality, competitive human resources.
Selama 3 tahun terakhir, Bank telah melaksanakan pelatihan Over the past 3 years, the Bank has carried out training for
bagi karyawan, mencakup mandatory ataupun soft skills. Rincian employees, including both mandatory and soft skills programs.
pelatihan tersebut diuraikan sebagai berikut. Details of these training programs are outlined as follows.
2024 2023 2022
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Nama Program
Program Peserta Program Peserta Program Peserta
Program Name
Number of Number of Number of Number of Number of Number of
Programs Participants Programs Participants Programs Participants
Technical Skill (operasional, kredit,
manajemen risiko, treasury, legal,
teknologi informasi, dan lainnya)
183 7.440 69 3.572 134 3.471
Technical Skill (operational, credit,
risk management, treasury, legal,
information technology, and others)
Soft skill (leadership, problem solving,
dan personal development)
12 660 66 235 29 267
Soft Skill (leadership, problem solving,
and personal development)
Pelatihan Karyawan Berdasarkan Jam Pelatihan [ESG-S.05]
Employee Training Based on Training Hours
Satuan
Uraian 2024 2023 2022 Descriptions
Unit
Jam
Jam Pelatihan 54.554 61.823 53.450 Training Hours
Hour
Jam/Orang
Jam Pelatihan per Karyawan 88,41 66,91 81,47 Training Hours per Employee
Hour/People
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2024 Total
Pria Wanita Pria dan Wanita
Male Female Male and Female
Total Jam
Level Organisasi Rerata Jam
Total Jam Rata-Rata Total Jam Rata-Rata Pelatihan
Organizational Level Pelatihan Seluruh
Pelatihan Jam Pelatihan Pelatihan Jam Pelatihan Seluruh
Karyawan
Total Average Total Average Karyawan
Average Training
Training Training Training Training Total Training
Hours for All
Hours Hours Hours Hours Hours for All
Employees
Employees
Board of Management 609 101,50 296 98,67 905 100,56
Setingkat Kepala Divisi
766 38,30 1.143 42,33 1.909 40,62
Division Head Level
Setingkat Kepala Departemen
2.399 57,12 9.992 277,56 12.391 158,86
Department Head Level
Staf hingga Supervisor
18.084 44,32 21.265 65,23 39.348 53,60
Staff to Supervisor
Rata-Rata Jam Pelatihan Jumlah Karyawan yang Persentase Jumlah Karyawan
per Karyawan dalam Ikut Serta dalam yang Ikut Serta dalam
Tahun Pelaporan Program Pelatihan Pelatihan (%)
Average Training Hours Number of Employees Percentage of
per Employee in Participating in Training Employees Participating
the Reporting Year Programs in Training (%)
88,41 868 92,05
Investasi Pengembangan SDM HR Development Investment
Selama 3 tahun terakhir, Bank telah mengeluarkan biaya investasi Over the past 3 years, the Bank has allocated investment costs for
untuk pengembangan SDM sebagai berikut. human resource development as follows.
2024 2023 2022
Investasi Pengembangan SDM Rp3.748.626.962,- Rp4.513.087.735,- Rp3.811.109.696,-
HR Development Investment
Biaya investasi tersebut digunakan untuk program pelatihan, These investment costs were used for training programs, both
baik online dan offline, yang diselenggarakan oleh pihak internal online and offline, organized by the Bank’s internal and external
maupun eksternal Bank. Selama periode ini, seluruh program parties. During this period, all programs have been carried out
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yang dilaksanakan telah berjalan dengan efektif dan melibatkan effectively and involved employees from various departments,
karyawan dari berbagai bidang, termasuk operasional, pemasaran including operations, marketing and credit, treasury, information
dan kredit, treasury, teknologi informasi, manajemen risiko, technology, risk management, accounting, and other areas.
akuntansi, dan bidang lainnya.
Penilaian Kinerja Performance Assessment
Bank INA secara konsisten melaksanakan penilaian kinerja untuk Bank INA consistently conducts performance evaluations to ensure
memastikan kontribusi karyawan terukur secara objektif dan that employee contributions are measured objectively and fairly.
adil. Proses ini menggunakan key performance indicator (KPI) This process utilizes key performance indicators (KPIs) developed
yang disusun oleh pimpinan di setiap divisi/unit kerja, dengan by leadership in each division/unit, taking into account aspects of
mempertimbangkan aspek kompetensi, performa, dan perilaku. competence, performance, and behavior. The evaluation results
Hasil penilaian dari setiap divisi/unit kerja kemudian disampaikan from each division/unit are then submitted to the HC Division
kepada Divisi HC untuk evaluasi akhir, yang menjadi dasar dalam for final assessment, which serves as the basis for determining
penetapan kebijakan promosi, perubahan status kepegawaian, promotion policies, changes in employee status, compensation,
remunerasi, serta pemberian penghargaan atau sanksi. Seluruh as well as the granting of rewards or sanctions. This entire process
proses ini dijalankan sesuai kebijakan yang berlaku dan dijamin is carried out in accordance with applicable policies, ensuring
transparan serta bebas dari intervensi atau benturan kepentingan. transparency and free from interference or conflicts of interest.
Rencana Pengembangan SDM 2025 HR Development Plan 2025
Bank menyusun rencana pengembangan SDM sebagai bagian dari The bank has developed a Human Resources development plan as
upaya mendukung pencapaian tujuan strategis Bank. Rencana part of its efforts to support the achievement of the Bank’s strategic
pengembangan SDM yang telah ditetapkan oleh Bank untuk tahun objectives. The HR development plan established by the Bank for
2025 adalah sebagai berikut. 2025 is as follows.
1. Sertifikasi Kompetensi Kerja di Sektor Perbankan 1. Work Competency Certification in the Banking Sector
Meningkatkan kualitas dan keahlian karyawan sesuai dengan Enhancing the quality and expertise of employees in accordance
Standar Kompetensi Kerja Nasional Indonesia (SKKNI) di with the Indonesian National Work Competency Standards
sektor perbankan guna memastikan profesionalisme dalam (SKKNI) in the banking sector to ensure professionalism in
menjalankan tugas. performing their duties.
2. Kompetensi Wajib Bank INA 2. Mandatory Competencies for Bank INA
Memberikan kesempatan bagi karyawan untuk memperoleh Providing employees with opportunities to obtain additional
sertifikasi tambahan yang relevan dengan industri perbankan certifications relevant to the banking industry outside the
di luar SKKNI, sehingga dapat memperluas wawasan dan SKKNI, thus broadening their knowledge and skills.
keterampilan mereka.
3. Kompetensi Teknis 3. Technical Competencies
Mendorong pengembangan keterampilan tambahan, seperti Encouraging the development of additional skills, such as
analisis keuangan, digital banking, dan compliance, yang financial analysis, digital banking, and compliance, which
mendukung kinerja individu serta perusahaan. Kompetensi support both individual and company performance. These
ini akan menjadi prioritas dalam rencana pengembangan SDM competencies will be a priority in the 2025 HR development
tahun 2025. plan.
4. Kompetensi Non-Teknis 4. Non-Technical Competencies
Meningkatkan soft skills karyawan, seperti komunikasi, Enhancing employees’ soft skills, such as communication,
pelayanan nasabah, dan kemampuan problem solving, yang customer service, and problem-solving abilities, which play a
berperan penting dalam efektivitas kerja serta hubungan crucial role in work effectiveness and professional relationships.
profesional.
5. Kompetensi Kepemimpinan (Leadership) 5. Leadership Competencies
Mengembangkan kemampuan kepemimpinan bagi para Developing leadership capabilities for managers to prepare
Manajer agar siap merumuskan strategi bisnis, melalui them for formulating business strategies, through leadership
pelatihan kepemimpinan dan program pengembangan training and management development programs.
manajemen.
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Teknologi Informasi
Information Technology
Teknologi informasi (TI) memainkan peran krusial dalam industri Information Technology (IT) plays a crucial role in the banking
perbankan, terutama dalam meningkatkan efisiensi operasional industry, particularly in improving operational efficiency and
dan mempercepat layanan kepada nasabah. Oleh karena itu, Divisi accelerating services to customers. Therefore, the Digital
Digital Technology memastikan bahwa pengelolaan TI di Bank Technology Division ensures that the bank’s IT management runs
berjalan secara optimal dan efektif, dengan fokus utama pada optimally and effectively, with a primary focus on enhancing digital
peningkatan layanan digital bagi nasabah. Selain itu, Bank terus services for customers. Additionally, the Bank continues to develop
mengembangkan dan mengoptimalkan TI melalui pembenahan and optimize IT by improving infrastructure, enhancing human
infrastruktur, peningkatan kapabilitas sumber daya manusia, resource capabilities, and utilizing advanced technology to support
serta pemanfaatan teknologi mutakhir untuk mendukung core core IT/digital banking operations. This initiative aims to expand the
bisnis berbasis IT/digital banking. Langkah ini bertujuan untuk customer base while ensuring the effectiveness of internal controls
memperluas basis nasabah sekaligus memastikan efektivitas across all operational aspects.
pengendalian internal dalam setiap aspek operasional.
Tata Kelola TI IT Governance
Bank berupaya membangun tata kelola TI yang efektif guna The bank strives to build effective IT governance to maximize
memaksimalkan manfaat investasi TI, memitigasi risiko, dan the benefits of IT investments, mitigate risks, and ensure that IT
memastikan bahwa implementasi TI selaras dengan strategi bisnis implementation aligns with sustainable business strategies. IT
yang berkelanjutan. Tata kelola TI diterapkan dengan mengacu governance is applied in accordance with internal policies, standard
pada kebijakan internal, standar operasional prosedur (SOP), operating procedures (SOPs), and regulations from the Financial
serta regulasi Otoritas Jasa Keuangan, yang disesuaikan dengan Services Authority (OJK), tailored to the characteristics and business
karakteristik dan strategi bisnis Bank. strategy of the bank.
Selain itu, Bank secara berkala meninjau tata kelola TI guna Additionally, the bank regularly reviews IT governance to ensure its
memastikan relevansi dan efektivitasnya dalam menghadapi relevance and effectiveness in adapting to the latest digitalization
perkembangan digitalisasi terkini. Divisi Teknologi Informasi developments. The Technology Information Division is responsible
bertanggung jawab dalam mengevaluasi aspek-aspek utama tata for evaluating key aspects of IT governance to ensure continuity and
kelola TI untuk memastikan kesinambungan serta optimalisasi optimize its implementation, covering the following aspects.
penerapannya, yang mencakup aspek-aspek berikut.
1. Perencanaan TI 1. IT Planning
Panduan unit kerja dalam melakukan perencanaan TI yang Guidance for work units in carrying out IT planning which
meliputi perencanaan inisiatif strategis TI, proses perencanaan includes IT strategic planning initiatives, annual IT planning
TI tahunan, proses riset, dan kajian strategis TI. process, research process, and IT strategic reviews.
2. Project Management 2. Project Management
Panduan dalam tahapan pengembangan project inisiatif Guidance in stages of IT strategic initiative project development
strategis TI sehingga setiap proses pada fase pengembangan so that each process in the development phase has
tersebut terdapat standardisasi dalam pelaksanaannya dengan standardization in its implementation while still prioritizing the
tetap mengutamakan kualitas dari setiap project tersebut. quality of each project.
3. Pengelolaan Operasional TI 3. IT Operations Management
Panduan yang mengatur tentang pengelolaan operasional Guidelines governing the management of IT operations,
TI, termasuk di dalamnya pengelolaan sistem operasional, including management of operational systems, management
pengelolaan proses backup and restore, pengelolaan perangkat of backup and restore process, hardware and software
keras dan perangkat lunak, serta pengelolaan data center. management, and data center management.
4. Pengamanan TI 4. IT Security
Panduan unit kerja mengenai aspek pengamanan TI, termasuk Work unit guidelines regarding aspects of IT security, including
di dalamnya pengamanan fisik dan lingkungan, pengamanan physical and environmental security, network security, and
jaringan, serta pengamanan sistem aplikasi. application system security.
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5. Penggunaan Penyedia Barang/Jasa TI 5. Use of IT Goods/Services Providers
Merupakan panduan yang mengatur mengenai proses untuk A guide that regulates the process for the selection of IT
pemilihan penyedia barang/jasa TI dan evaluasinya. goods/ services providers and its evaluation.
Untuk meminimalkan potensi risiko dan gangguan teknologi yang To minimize potential risks and technological disruptions that could
dapat berdampak signifikan, Bank membentuk Komite Pengarah have significant impacts, the Bank has established an Information
Teknologi Informasi. Komite ini bertugas untuk mengawasi potensi Technology Steering Committee. This committee is tasked with
risiko dan gangguan teknologi, yang kemudian diidentifikasi dan overseeing potential risks and technological disruptions, which are
dilaporkan kepada Direksi untuk ditelaah dan mendapatkan arahan then identified and reported to the Board of Directors for review
tindak lanjut. Pembentukan komite ini merupakan bentuk komitmen and further action. The formation of this committee reflects the
Bank terhadap pengelolaan TI yang bertanggung jawab dan efektif, Bank’s commitment to responsible and effective IT management,
terutama dalam menghadapi gangguan (disruption), keamanan dunia particularly in addressing disruptions, cyber security, and disaster
maya (cyber security), dan pemulihan bencana (disaster recovery). recovery.
Satuan Penyelenggara Teknologi Informasi Information Technology Organizing Unit
Satuan Penyelenggara Teknologi Informasi dibentuk oleh Bank The Information Technology Implementation Unit was established
untuk meningkatkan penerapan TI di lingkungan internal. Satuan ini by the Bank to enhance the application of IT within the internal
berada di bawah wewenang Wakil Direktur Utama dan bertanggung environment. This unit operates under the authority of Vice
jawab atas pengelolaan serta pengembangan aktivitas TI di internal President Director and is responsible for managing and developing
Bank. Pelaksanaan tugasnya secara berkala diawasi dan ditinjau IT activities within the Bank. The execution of its duties is
oleh Komite Pengarah Teknologi Informasi guna memastikan regularly monitored and reviewed by the Information Technology
keselarasan dengan kebutuhan bisnis dan kepatuhan terhadap Steering Committee to ensure alignment with business needs and
kebijakan yang berlaku. compliance with applicable policies.
Efektivitas pelaksanaan tugas satuan ini didukung oleh 3 divisi The effectiveness of this unit’s operations is supported by
dengan peran sebagai berikut. 3 divisions, each with the following roles.
1. Divisi Digital Technology, bertanggung jawab mengembangkan 1. Digital Technology Division, responsible for developing and
dan memantau operasi dari teknologi informasi untuk strategi monitoring information technology operations for digital
bisnis digital banking. banking business strategies.
2. Divisi Branch & Commercial Banking Technology, bertanggung 2. Branch & Commercial Banking Technology Division,
jawab untuk pengembangan teknologi informasi pada strategi responsible for developing information technology in the
bisnis Direktorat Retail Banking, serta Direktorat Commercial business strategy of the Retail Banking Directorate, as well as
Banking and Treasury. the Commercial Banking and Treasury Directorate.
3. Divisi Technology Operation & Control Unit, bertanggung 3. Technology Operation & Control Unit Division, responsible
jawab untuk memantau operasi, internal control, serta for monitoring operations, internal control, and information
keamanan teknologi informasi. technology security.
Selain itu, Satuan Penyelenggara Teknologi Informasi juga In addition, the Information Technology Implementation Unit is
bertanggung jawab untuk memastikan bahwa sistem dan perangkat also responsible for ensuring that the systems and devices used by
yang digunakan oleh Bank beroperasi dengan baik, melaksanakan the Bank operate effectively, carrying out system development and
pengembangan sistem dan peningkatan perangkat sesuai dengan upgrades in line with the Bank’s business needs and growth, and
kebutuhan dan perkembangan bisnis Bank, serta memaksimalkan maximizing IT as a strategic tool to support business growth and
TI sebagai alat strategis untuk mendukung pertumbuhan dan development.
perkembangan bisnis.
Investasi dan Pencapaian TI di Tahun 2024 IT Investment and Achievements in 2024
Bank telah mengalokasikan dana untuk investasi dalam TI dengan The Bank has allocated funds for investments in information
tujuan meningkatkan efisiensi operasional dan kualitas layanan yang technology (IT) aimed at improving operational efficiency and
lebih cepat, akurat, dan responsif terhadap kebutuhan nasabah. providing faster, more accurate, and responsive services to meet
Selain itu, investasi TI juga bertujuan untuk memaksimalkan customer needs. Furthermore, these IT investments are designed
value proposition bagi nasabah, meningkatkan daya saing, serta to maximize the value proposition for customers, enhance
membangun tata kelola TI yang efektif dan berkelanjutan untuk competitiveness, and establish effective and sustainable IT
mendukung pertumbuhan bisnis jangka panjang. governance to support long-term business growth.
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Sepanjang tahun 2024, Bank telah mengembangkan TI dengan Throughout 2024, the Bank has developed its IT capabilities by
mempertimbangkan kondisi terkini dalam industri perbankan, considering current conditions in the banking industry, including:
yang meliputi:
1. Pengembangan layanan perbankan umum untuk menambah 1. Development of general banking services to expand financial
layanan/solusi keuangan nasabah, seperti: solutions for customers, including:
a. Penambahan fitur setor & tarik tunai pada merchant a. Addition of cash deposit and withdrawal features at
menggunakan aplikasi INA Mobile; merchants using the INA Mobile application;
b. Penambahan fitur QRIS Customer Presented Mode dan b. Introduction of QRIS Customer Presented Mode and Cross-
Cross Border; Border features;
c. Penambahan fitur tarik tunai tanpa kartu di jaringan ATM c. Implementation of cardless cash withdrawals through the
Bersama, PRIMA, dan Bank INA; ATM Bersama, PRIMA, and Bank INA networks;
d. Penambahan beberapa mitra untuk layanan Biller pada d. Expansion of biller service partners on the INA Mobile and
Aplikasi INA Mobile dan IBB; IBB applications;
e. Fitur Bank Persepsi (Modul Penerimaan Negara) di beberapa e. Collection Bank feature (State Revenue Module) across
kanal Bank, antara lain Teller, Internet Banking Individu various Bank channels, including Teller, Individual and
dan Bisnis, serta INA Mobile; Business Internet Banking, and INA Mobile;
f. Wealth Management System (pengembangan sistem dan f. Wealth Management System (system and service
layanan); development);
g. Retail Bonds System; g. Retail Bonds System;
h. Supply Chain Financing; h. Supply Chain Financing;
i. Penambahan fitur pembelian SBN Primary Market melalui i. Addition of government bond (SBN) Primary Market
INA Mobile; purchase features via INA Mobile;
j. Pengembangan sistem untuk standarisasi dan percepatan j. System development for the standardization and
proses KPR; acceleration of housing loan (KPR) processes;
k. Safe Deposit Box System (pengembangan sistem untuk k. Safe Deposit Box System (system development for Safe
layanan Safe Deposit Box); Deposit Box services);
l. Custodian Services (pengembangan sistem untuk layanan l. Custodian Services (system development for Custodian
Bank Custodian); serta Bank services); and
m. Rekening Dana Nasabah. m. Customer Fund Account.
2. Pengembangan layanan perbankan digital untuk menambah 2. Development of digital banking services to expand access and
jangkauan dan kemudahan bagi nasabah terkait layanan enhance customer convenience for financial transactions:
transaksi keuangan:
a. Fitur BINA Mobile: Deposito Digital, Quick Response a. BINA Mobile features: Digital Deposits, Quick Response
Code Indonesian Standard - Customer Presented Mode Code Indonesian Standard – Customer Presented Mode
(QRIS CPM), Setor dan Tarik Tunai pada merchant, (QRIS CPM), cash deposit and withdrawal at merchants,
kartu debit BINA (pengajuan, aktivasi, dan blokir kartu), BINA debit card (application, activation, and card blocking),
pengembangan lanjutan fitur digital onboarding, dan advanced development of digital onboarding features, and
penambahan layanan pembayaran biller; the addition of biller payment services;
b. BINA Mobile versi iPhone Operating System (iOS); b. BINA Mobile for iPhone Operating System (iOS);
c. SNAP Open API: account binding, inquiry balance, interbank, c. SNAP Open API: account binding, balance inquiry,
direct debit, account creation, dan intrabank; serta interbank transfers, direct debit, account creation, and
intrabank transfers; and
d. Layanan pinjaman digital: pinjaman cicilan dan pinjaman d. Digital lending services: installment loans and employee
karyawan. loans.
3. Pengembangan terkait process improvement pada internal Bank: 3. Development related to process improvement within the Bank:
a. E-Reconciliation System; a. E-Reconciliation System;
b. Upgrade Fraud Detection System; serta b. Upgrade of the Fraud Detection System; and
c. Enterprise Data Warehouse System. c. Enterprise Data Warehouse System.
4. Pengembangan pada sisi infrastruktur dan keamanan: 4. Development of infrastructure and security:
a. Upgrade email system; a. Upgrade of the email system;
b. Penerapan Extended Detection and Response (XDR)/Endpoint b. Implementation of Extended Detection and Response
Detection and Response (EDR); (XDR)/Endpoint Detection and Response (EDR);
c. Penerapan sistem perlindungan data pribadi; c. Implementation of a personal data protection system;
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d. Implementasi Software-Defined Wide Area Network (SDWAN) d. Deployment of Software-Defined Wide Area Network (SDWAN)
(data center, kantor pusat, dan kantor cabang pembantu); across the data center, head office, and branch offices;
e. Peremajaan personal computer dan laptop; e. Upgrade of personal computers and laptops;
f. Peremajaan hardware dan perangkat network; serta f. Upgrade of hardware and network devices; and
g. Peningkatan fasilitas dan standarisasi Disaster Recovery g. Enhancement and standardization of the Disaster Recovery
Center (DRC) dengan dilakukannya perpindahan lokasi. Center (DRC) through site relocation.
Pengembangan Kompetensi Personil TI IT Personnel Competency Development
Dalam rangka meningkatkan kualitas kerja dan memperluas In order to improve work quality and broaden the knowledge of IT
wawasan para personil TI, Bank memfasilitasi kegiatan personnel, the Bank facilitates competency development activities
pengembangan kompetensi yang dilaksanakan baik oleh pihak conducted by both internal and external parties. These activities are
internal maupun eksternal. Kegiatan tersebut ditujukan untuk intended for the IT Division, including Branch & Commercial Banking
Divisi TI, termasuk (Branch & Commercial Banking Technology, Technology, Digital Technology, and the Technology Operation
Digital Technology, dan Technology Operation & Control Unit), & Control Unit, and are carried out through training, education,
yang dilaksanakan dalam bentuk pelatihan, pendidikan, seminar, seminars, workshops, and other development programs.
workshop, serta program pengembangan lainnya.
Informasi terkait kegiatan pengembangan kompetensi personil TI Details of the IT personnel competency development activities
sepanjang tahun 2024, dirinci sebagai berikut. throughout 2024 are as follows.
Lokasi dan Periode Jumlah
Topik Pengembangan Kompetensi Penyelenggara Pelaksanaan Peserta
Competency Development Topics Organizer Location and Number of
Implementation Period participants
Pelatihan Sistem Manajemen Keamanan Informasi Badan Siber dan Sandi Negara (BSSN) KCP Abdul Muis - Bank INA 3
oleh Badan Siber dan Sandi Negara February 2024
Information Security Management System Training National Cyber and Crypto Agency
by the National Cyber and Crypto Agency
Sistem Manajemen Keamanan Informasi BSSN KC Melawai - Bank INA 4
Information Security Management System February 2024
PAM Core Proxy Intikom Online 1
March 2024
DBMS Administration with Oracle Inixindo Inixindo Trainning Center 2
March 2024
Awareness Perlindungan Data Pribadi PT Veda Praxis Online 31
Personal Data Protection Awareness April 2024
Webinar Perlindungan dan Tantangan Perlindungan OJK Institute Online 2
Data dalam Transaksi di Era Digital May 2024
Webinar on Data Protection and Challenges in
Transactions in the Digital Era
ITIL DITS Training Multimatics Online 1
May 2024
ITIL 4 Digital and IT Strategy PeopleCert Multimatics Axa Tower 1
May 2024
Training JPS Keamanan Data dan Sistem dan Jaringan PT Prosperita Mitra Indonesia Hotel Aston Sentul 15
Data and System and Network Security JPS Training June 2024
Workshop Simulasi Penanganan Insiden Siber BSSN Hotel Aston Kuta 1
Cyber Incident Handling Simulation Workshop June 2024
Training Security in Google Cloud PT Trainocate Networks Indonesia Online 2
July 2024
Google Cloud Certified Professional Cloud PT Trainocate Networks Indonesia Online 1
Security Engineer July 2024
National Cyber Exercise BSSN Hotel Santika Bekasi 1
August 2024
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Lokasi dan Periode Jumlah
Topik Pengembangan Kompetensi Penyelenggara Pelaksanaan Peserta
Competency Development Topics Organizer Location and Number of
Implementation Period participants
Implementasi Undang-Undang Pelindungan PT CBQA Global Hotel Aston Kuta 2
Data Pribadi September 2024
Implementation of Personal Data Protection Law
Workshop dan / and Table Top Exercise BSSN Hotel Discovery Ancol 1
December 2024
Data Warehouse and Looker Bursa Efek Indonesia Kantor Pusat - Bank INA 12
Head Office - Bank INA
December 2024
Rencana Pengembangan TI Tahun 2025 IT Development Plan for 2025
Bank merancang strategi pengembangan TI dengan merujuk The Bank designs its IT development strategy by referring to the
pada Rencana Pengembangan Teknologi Informasi (RPTI) 2025, 2025 Information Technology Development Plan (RPTI), aimed
yang bertujuan untuk mendukung strategi bisnis hybrid bank. at supporting the Bank’s hybrid business strategy. This approach
Pandangan ini didasari oleh keyakinan bahwa bisnis digital is based on the belief that digital banking can drive new business
banking dapat memacu pertumbuhan bisnis baru dan memperluas growth and expand reach in the micro, small, and medium
jangkauan di sektor usaha mikro, kecil, dan menengah (UMKM). enterprise (MSME) sector. To optimally utilize these opportunities,
Untuk memanfaatkan peluang ini secara optimal, Direktorat Digital the Bank INA Digital Banking Directorate will implement
Banking Bank INA akan mengambil langkah-langkah strategis yang well-planned strategic initiatives.
terencana.
Berikut dijelaskan RPTI Bank INA untuk tahun buku 2025. The following outlines the Bank INA RPTI for the 2025 financial year:
1. Pengembangan Layanan Transaksi Digital 1. Development of Digital Transaction Services
a. Pengembangan fitur tarik tunai dan setor tunai rekening a. Development of cash withdrawal and deposit features for
di jaringan cabang Bank INA tanpa menggunakan kartu Bank INA branch networks without using a debit/ATM card.
debit/ATM. Layanan ini memberikan kemudahan dan This service offers customers convenience and flexibility in
fleksibilitas bagi nasabah dalam melakukan transaksi; conducting transactions;
b. Penambahan fitur pada aplikasi BINA. Aplikasi BINA terus b. Addition of features to BINA Application. BINA application
ditingkatkan dengan penambahan fitur-fitur baru seperti: continues to be improved with the addition of new features,
including:
1) QRIS untuk transaksi transfer, tarik, dan setor tunai; 1) QRIS for fund transfers, cash withdrawals, and cash
deposits;
2) e-SBN untuk pembelian Surat Berharga Negara secara 2) e-SBN for online purchase of Government Securities;
online;
3) Transfer Sistem Kliring Nasional (SKN) dan Real Time 3) National Clearing System (SKN) and Real-Time Gross
Gross Settlement (RTGS) untuk transfer dana antar bank; Settlement (RTGS) for interbank fund transfers;
4) BINA Point sebagai program loyalti; 4) BINA Point as a loyalty program;
5) Cardless Cash Withdrawal untuk tarik tunai tanpa 5) Cardless Cash Withdrawal for cash withdrawals
kartu; without a card;
6) Pembelian emas digital; 6) Digital gold purchases;
7) Asuransi; 7) Insurance;
8) Kredit Multiguna (KMG); 8) Multipurpose Loans (KMG).
c. Pengembangan fitur BINA Merchant. Aplikasi BINA juga c. Development of BINA Merchant Features. BINA application
dikembangkan untuk memenuhi kebutuhan mitra/ is also enhanced to meet the needs of partners/merchants,
merchant antara lain: including:
1) e-invoice; 1) e-Invoice;
2) Registrasi merchant; 2) Merchant registration;
3) Pembayaran; 3) Payment processing;
4) Monitoring transaksi; 4) Transaction monitoring;
5) Instant settlement. 5) Instant settlement.
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d. Pengembangan Application Programming Interface (API). d. Development of Application Programming Interfaces
API memungkinkan integrasi sistem Bank INA dengan (APIs). APIs facilitate the integration of Bank INA’s systems
sistem pihak ketiga, seperti: with third-party systems, including:
1) API QRIS (CPM & MPM) untuk transaksi QRIS; 1) QRIS API (CPM & MPM) for QRIS transactions;
2) API Kartu Debit untuk request kartu debit; dan 2) Debit Card API for debit card requests; and
3) Pengembangan SNAP API untuk transaksi intrabank 3) Development of SNAP API for intra-bank transactions
dan authorization payment. and payment authorization.
e. Pinjaman digital cicilan. Penambahan fitur pinjaman cicilan e. Digital Installment Loans. Introduction of installment loan
(non-revolving) untuk memberikan solusi pembiayaan features (non-revolving) to provide financing solutions for
kepada nasabah. customers.
2. Pengembangan Sistem dan Infrastruktur 2. Development of Systems and Infrastructure
a. Migrasi Society for Worldwide Interbank Financial a. Migration of Society for Worldwide Interbank Financial
Telecommunication (SWIFT) dari SAA ke Alliance on SWIFT Telecommunication (SWIFT) from SAA to Alliance on SWIFT
dengan konsep SAAS. Peningkatan infrastruktur SWIFT with SAAS concept. Infrastructure enhancement of SWIFT to
untuk keamanan dan efisiensi transaksi internasional; improve security and efficiency in international transactions;
b. Upgrade versi APU-PPT. Peningkatan sistem APU-PPT b. Upgrade of APU-PPT Version. System upgrade of APU-PPT
untuk mendukung operasional Bank; serta to support the Bank’s operations; and
c. Upgrade versi corebanking T24. Peningkatan sistem c. Upgrade of Temenos T24 core banking system to the
corebanking Temenos T24 ke versi terbaru dan pemindahan latest version and relocation of the Disaster Recovery
lokasi DRC dari INDONET ke DCI E1 untuk meningkatkan Center (DRC) from INDONET to DCI E1 to enhance system
performa dan keamanan sistem. performance and security.
3. Kerja Sama dan Inovasi 3. Cooperation and Innovation
a. Reksadana (Mutual Fund). Penambahan modul reksadana a. Mutual Fund. Addition of a mutual fund module to the
pada System Treasury OSTS untuk menyediakan produk Treasury OSTS System to provide mutual fund investment
investasi reksadana bagi nasabah; products for customers;
b. Joint financing kendaraan bermotor. Kerja sama dengan b. Joint motor vehicle financing. Collaboration with
multifinance untuk pembiayaan joint financing/pembiayaan multifinance companies for joint financing/vehicle
kendaraan bermotor; financing;
c. Debit Card Principal International. Pengembangan debit c. Debit Card Principal International. Development of
card fisik dan virtual dengan kerja sama penyedia jaringan physical and virtual debit cards in collaboration with VISA
VISA atau Mastercard; serta or Mastercard network providers; and
d. Apps Flyer pada aplikasi BINA. Penerapan software analitik d. Apps Flyer on BINA application. Implementation of
untuk mendapatkan informasi dan analisa mengenai analytical software to obtain information and analysis
acquisition source/funnel. regarding acquisition sources/funnels.
4. Peningkatan Infrastruktur 4. Infrastructure Enhancement
a. Pemindahan data center. Peningkatan fasilitas dan a. Data center relocation. Enhancement of facilities and
standarisasi dengan dilakukannya pemindahan data standardization by relocating the data center to meet
center yang sudah memenuhi standarisasi Tier 4 untuk Tier 4 standards to improve data reliability and security;
meningkatkan keandalan dan keamanan data;
b. Peremajaan hardware dan perangkat network. Peremajaan b. Upgrade of hardware and network device. Upgrade of
server dan perangkat komunikasi di Data Center (DC) dan servers and communication devices in Data Center (DC)
Disaster Recovery Center (DRC) untuk menjaga performa and Disaster Recovery Center (DRC) to maintain system
dan stabilitas sistem; serta performance and stability; and
c. Peremajaan PC dan laptop. Peremajaan PC dan laptop yang c. PC and laptop upgrade. Replacing PCs and laptops that are
sudah 5 tahun ke atas untuk meningkatkan produktivitas over 5 years old to improve productivity and security.
dan keamanan.
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5. Peningkatan Keamanan 5. Security Enhancements
a. Peningkatan kemampuan pengukuran, pencegahan, a. Improvement of capabilities in measuring, preventing,
dan mengatasi kerentanan pada sistem; and addressing vulnerabilities in the system;
b. Peningkatan keamanan pada aplikasi mobile dari serangan b. Improvement of security on mobile applications against
malware dan ancaman lainnya; serta malware attacks and other threats; and
c. Peningkatan keamanan dengan menerapkan pembatasan c. Improvement of security by implementing restrictions on
pada sistem inti perbankan. the core banking system.
6. Pemantauan Sistem 6. System Monitoring
a. Pengembangan sistem monitoring aplikasi yang a. Development of a centralized and comprehensive
tersentralisasi dan komprehensif untuk memantau kinerja application monitoring system to monitor the performance
dan ketersediaan seluruh aplikasi secara real-time. and availability of all applications in real-time.
Permodalan dan Praktik
Manajemen Risiko
Capital and Risk Management Practices
Dasar Penerapan Basis of Implementation
Bank menerapkan pengelolaan permodalan dan praktik manajemen The Bank applies capital management and risk management
risiko dengan merujuk pada kebijakan dan peraturan berikut. practices in accordance with the following policies and regulations.
1. Peraturan Bank Indonesia No. 5/8/PBI/2003 tentang Penerapan 1. Bank Indonesia Regulation No. 5/8/PBI/2003 on the Implementation
Manajemen Risiko bagi Bank Umum. of Risk Management for Commercial Banks.
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 2. Financial Services Authority Regulation No. 18/POJK.03/2016
tentang Penerapan Manajemen Risiko bagi Bank Umum. on the Implementation of Risk Management for Commercial
Banks.
3. Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 3. Financial Services Authority Circular No. 34/SEOJK.03/2016
tentang Penerapan Manajemen Risiko bagi Bank Umum. on the Implementation of Risk Management for Commercial
Banks.
4. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 4. Financial Services Authority Circular No. 13/SEOJK.03/2017 on
tentang Penerapan Tata Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
5. Surat Edaran Otoritas Jasa Keuangan No. 21/ SEOJK.03/2017 5. Financial Services Authority Circular No. 21/SEOJK.03/2017
tentang Penerapan Manajemen Risiko dalam Penggunaan on the Implementation of Risk Management in the Use of
Informasi oleh Bank Umum. Information by Commercial Banks.
6. Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2022 6. Financial Services Authority Regulation No. 11/POJK.03/2022 on
tentang Penyelenggaraan Teknologi Informasi oleh Bank the Implementation of Information Technology by Commercial
Umum. Banks.
7. Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tentang 7. Financial Services Authority Regulation No. 17 of 2023 on
Penerapan Tata Kelola bagi Bank Umum. the Implementation of Governance for Commercial Banks.
8. Kebijakan Internal Bank No. RMG/001/01/2019 tentang 8. Internal Bank Policy No. RMG/001/01/2019 on Guidelines for
Pedoman Penerapan Manajemen Risiko. the Implementation of Risk Management.
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Pengungkapan Permodalan Capital Disclosure
Struktur permodalan Bank INA diungkapkan sebagai berikut. Bank INA’s capital structure is disclosed as follows.
1. Modal Inti (Tier 1) 1. Core Capital (Tier 1)
a. Modal Inti Utama a. Common Equity Tier 1
1) Modal Disetor 1) Paid-up capital
Modal disetor Bank per posisi 31 Desember 2024 The Bank’s paid-in capital as of December 31, 2024,
sebesar Rp613,47 miliar. was Rp613.47 billion.
2) Cadangan Tambahan Modal 2) Disclosed Reserve
a) Faktor Penambah a) Additional Factor
Agio saham tercatat sebesar Rp2,48 triliun The recorded share premium amounts to Rp2.48
dan faktor penambah berupa pembentukan trillion, with an additional factor in the form of
Cadangan Umum sebesar Rp106,57 miliar, serta General Reserves amounting to Rp106.57 billion.
terdapat akumulasi dari laba ditahan sebesar There is also an accumulation from retained
Rp352,62 miliar dan laba tahun berjalan sebesar earnings of Rp352.62 billion and profit for the year
Rp81,85 miliar. of Rp81.85 billion.
b) Faktor Pengurang b) Deduction Factor
Faktor pengurang dalam perhitungan permodalan The deducting factor in the calculation of capital
posisi 31 Desember 2024 (audited) berasal dari: for the position of December 31, 2024 (audited),
comes from:
• Selisih kurang antara penyisihan penilaian • The difference between allowance for asset
kualitas aset (PPKA) dan cadangan kerugian quality assessment (PPKA) and allowance for
penurunan nilai (CKPN) atas aset produktif impairment losses (CKPN) on earning assets
sebesar Rp22,49 miliar; dan amounted to Rp22.49 billion; and
• Kewajiban penyisihan penghapusan aset • The mandatory allowance for asset losses
(PPA) aset non-produktif yang wajib dibentuk (PPA) for non-earning assets amounted to
sebesar Rp56,97 miliar. Rp56.97 billion.
3) Kepentingan Non-Pengendali yang Dapat 3) Non-Controlling Interests that Can Be Calculated
Diperhitungkan
Tidak terdapat kepentingan non-pengendali yang There are no non-controlling interests that can be
dapat diperhitungkan dalam perhitungan modal. calculated in calculating capital.
4) Faktor Pengurang Modal Inti Utama 4) Main Core Capital Deduction Factor
Faktor pengurang dalam perhitungan modal inti The deducting factor in calculating the main core
utama, berasal dari aset tidak berwujud sebesar capital, comes from intangible assets of Rp29.23 billion,
Rp29,23 miliar dan perhitungan pajak tangguhan and deferred tax calculations of Rp29.99 billion.
sebesar Rp29,99 miliar.
b. Modal Inti Tambahan b. Additional Tier 1
Bank INA tidak memiliki instrumen yang dapat Bank INA does not have instruments that can be
dikategorikan sebagai modal inti tambahan. categorized as additional.
2. Modal Pelengkap (Tier 2) 2. Complementary Capital (Tier 2)
Jumlah cadangan umum PPA atas aset produktif yang wajib The total reserve for provision for PPA for earning assets that
dibentuk tercatat sebesar Rp171,06 miliar. Sementara itu, must be formed is recorded at Rp171.06 billion. Meanwhile,
penempatan dana pada instrumen tier 2 pada bank lain sebesar placement of funds in tier 2 instruments at other banks is
Rp10,01 miliar, sehingga modal pelengkap (tier 2) sebesar Rp10.01 billion, and thus, supplementary capital (tier 2) was
Rp161,06 miliar. Rp161.06 billion.
Kewajiban Pembentukan Tambahan Modal Obligations to Form Additional Capital
1. Capital Conservation Buffer 1. Capital Conservation Buffer
Bank INA masih tergolong sebagai Kelompok Bank berdasarkan Bank INA is still classified as Bank Groups based on Core Capital
Modal Inti (KBMI) 1 sehingga tidak wajib membentuk Capital (KBMI) 1 so it is not mandatory to form Capital Conservation
Conservation Buffer. Buffer.
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2. Countercyclical Buffer 2. Countercyclical Buffer
Pembentukan Countercyclical Buffer sesuai Peraturan Otoritas The establishment of Countercyclical Buffer according to
Jasa Keuangan No. 11/POJK.03/2016 tentang Kewajiban Financial Services Authority Regulation No. 11/POJK.03/2016
Penyediaan Modal Minimum Bank Umum dan Surat Deputi on Minimum Capital Adequacy Requirement for Commercial
Gubernur Bank Indonesia No. 17/46/DpG/DKMP tentang Banks and the letter of the Deputy Governor of Bank
Kewajiban Pembentukan Countercyclical Buffer sebesar 0% Indonesia No. 17/46/DpG/DKMP on Obligations to Establish
telah diberlakukan efektif per 1 Januari 2016, dan sesuai Countercyclical Buffer of 0% has been effective as of January 1,
dengan Siaran Pers Bank Indonesia tanggal 20 Oktober 2022 2016, and in accordance with Bank Indonesia Press Release
yang belum ada perubahan. dated October 20, 2022, which has not been changed.
3. Capital Surcharge 3. Capital Surcharge
Bank INA tidak termasuk dalam daftar bank yang ditetapkan Bank INA is not included in the list of banks designated as banks
sebagai bank berdampak sistemik, sehingga tidak memiliki with systemic impact, therefore is not obligated to establish
kewajiban untuk membentuk capital surcharge. a capital surcharge.
Kecukupan Permodalan Capital Adequacy
Bank memiliki profil risiko pada peringkat 2, yang dikategorikan The Bank has a risk profile with a rating of 2, categorized as
sebagai “Low to Moderate”. Berdasarkan klasifikasi ini dan mengacu “Low to Moderate”. Based on this classification and in reference to
pada Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 the Financial Services Authority Regulation No. 11/POJK.03/2016
tentang Kewajiban Modal Minimum Bank Umum, Bank diwajibkan concerning the Minimum Capital Requirement for Commercial
untuk menjaga modal minimum sebesar 9% hingga kurang dari Banks, the Bank is required to maintain a minimum capital of 9%
10% dari total Aset Tertimbang Menurut Risiko (ATMR). Pada tahun to less than 10% of the total Risk-Weighted Assets (RWA). In 2024,
2024, Bank mencatat total modal sebesar Rp3,64 triliun, yang the Bank recorded total capital of Rp3.64 trillion, which is equivalent
setara dengan rasio 25,07% dari total ATMR. Dengan tingkat modal to a ratio of 25.07% of the total RWA. With the recorded capital
dan rasio yang tercatat, Bank berada dalam posisi yang sangat and ratio, the Bank is in a very strong position to absorb potential
baik untuk menyerap potensi risiko bisnis, menjaga stabilitas business risks, maintain financial stability, and ensure a healthy and
keuangan, dan memastikan kelangsungan usaha yang sehat dan sustainable business continuity.
berkelanjutan.
Pengungkapan Manajemen Risiko Risk Management Disclosure
Pengungkapan manajemen risiko Bank mengacu pada The Bank’s risk management disclosure refers to the Financial
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 yang Services Authority (OJK) Regulation No. 18/POJK.03/2016,
pelaksanaannya diatur dalam Surat Edaran Otoritas Jasa Keuangan the implementation of which is regulated by the Financial
No. 34/SEOJK.03/2016. Bank telah menuangkannya dalam Services Authority Circular Letter No. 34/SEOJK.03/2016.
Kebijakan Manajemen No. RMG/01-010/01/0319 yang mengatur The Bank has outlined this in its Risk Management Policy
Pedoman Manajemen Risiko. Kebijakan ini disusun untuk No. RMG/01-010/01/0319, which governs the Risk Management
mendukung penerapan manajemen risiko yang efektif dengan Guidelines. This policy has been formulated to support the effective
tujuan untuk: implementation of risk management with the aim to:
1. Menciptakan budaya kesadaran pentingnya manajemen risiko 1. Creating a culture of awareness of the importance of risk
di seluruh elemen perusahaan; management in all elements of the Company;
2. Meningkatkan praktik tata kelola yang baik serta fungsi 2. Improving good governance practices and the Bank’s risk
identifikasi, pengukuran, pemantauan dan pengendalian risiko identification, measurement, monitoring, and control
Bank; functions;
3. Memberikan laporan dan rencana mitigasi atas risiko-risiko 3. Providing reports and mitigation plans for the main risks of
utama Bank, secara periodik dan proporsional, kepada Direksi the Bank, periodically and proportionately, to the Board of
dan Komisaris; Directors and Board of Commissioners;
4. Memastikan bahwa rencana mitigasi risiko dilakukan secara 4. Ensuring that the risk mitigation plan is carried out adequately
memadai dengan cara yang efektif untuk meminimalkan in an effective way to minimize the impact and possibility of
dampak dan kemungkinan terjadinya risiko tersebut sehingga the occurrence of these risks so as not to disrupt the Bank’s
tidak mengganggu kelangsungan usaha Bank; dan business continuity; and
5. Memastikan adanya koordinasi dan komunikasi yang memadai 5. Ensuring adequate coordination and communication between
di antara semua fungsi manajemen risiko dalam Bank. all risk management functions within the Bank.
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Di sisi lain, penerapan manajemen risiko Bank INA meliputi 4 pilar On the other hand, the implementation of risk management at
yang diuraikan sebagai berikut. Bank INA includes 4 pillars, which are outlined as follows.
1. Pengawasan Aktif Direksi dan Dewan Komisaris 1. Active Supervision of the Board Directors of and Board of
Commissioners
Direksi dan Dewan Komisaris bertanggung jawab atas The Board of Directors and Board of Commissioners are
efektivitas penerapan manajemen risiko. Direksi dan Dewan responsible for the effectiveness of risk management
Komisaris memahami risiko-risiko yang dihadapi Bank dan implementation. The Board of Directors and Board of
memberikan arahan yang jelas, melakukan pengawasan dan Commissioners understand the risks faced by the Bank and
mitigasi secara aktif serta mengembangkan Budaya Manajemen provide clear direction, conduct active supervision and
Risiko di Bank INA. Selain itu, Direksi dan Dewan Komisaris mitigation, and develop a Culture of Risk Management at
memastikan struktur organisasi secara memadai, menetapkan Bank INA. In addition, the Board of Directors and Board of
tugas dan tanggung jawab yang jelas pada masing-masing unit, Commissioners ensure an adequate organizational structure,
serta memastikan kecukupan kuantitas dan kualitas SDM untuk establish clear duties and responsibilities in each unit, and
mendukung penerapan Manajemen Risiko secara efektif. ensure the adequacy of the quantity and quality of human
resources to support the effective implementation of Risk
Management.
2. Kebijakan, Prosedur, dan Penetapan Limit 2. Policies, Procedures, and Limit Setting
Penerapan manajemen risiko mencakup kebijakan dan The implementation of risk management includes risk
prosedur manajemen risiko serta limit risiko yang ditetapkan management policies and procedures as well as clearly defined
secara jelas sejalan dengan visi, misi, dan strategi bisnis risk limits in line with the Bank’s vision, mission, and business
Bank. Penyusunan kebijakan dan prosedur manajemen risiko strategy. The preparation of risk management policies and
disesuaikan dengan jenis, kompleksitas kegiatan usaha, profil procedures is adjusted to the type, complexity of business
risiko, tingkat risiko yang akan diambil, keterkaitan atas risiko, activities, risk profile, level of risk to be taken, linkage to risk, as
serta peraturan yang ditetapkan otoritas dan/atau praktik well as regulations set by the authority and/or sound banking
perbankan yang sehat. Penerapan kebijakan dan prosedur practices. The implementation of risk management policies
manajemen risiko didukung oleh kecukupan permodalan dan and procedures is supported by adequate capital and quality
kualitas SDM. Dalam rangka pengendalian risiko secara efektif, human resources. In order to control risk effectively, policies
kebijakan dan prosedur didasarkan pada strategi manajemen and procedures are based on risk management strategies
risiko yang dilengkapi dengan toleransi risiko dan limit risiko. equipped with risk tolerance and risk limits. The determination
Penetapan toleransi risiko dan limit risiko dilakukan dengan of risk tolerance and risk limits is carried out by considering the
memperhatikan tingkat risiko yang akan diambil dan strategi level of risk to be taken and the Bank’s overall strategy.
Bank secara keseluruhan.
3. Proses Identifikasi, Pengukuran, Pemantauan dan 3. Risk Identification, Measurement, Monitoring and Control
Pengendalian Risiko, serta Sistem Informasi Manajemen Risiko Process, and Risk Management Information System
Identifikasi, pengukuran, pemantauan, dan pengendalian Risk identification, measurement, monitoring, and control
risiko merupakan bagian utama dari proses penerapan are the main parts of the risk management implementation
manajemen risiko. Identifikasi risiko bersifat proaktif, process. Risk identification is proactive, covering all of
mencakup seluruh aktivitas bisnis Bank dan dilakukan dalam the Bank’s business activities and is conducted in order to
rangka menganalisa sumber dan kemungkinan timbulnya analyze the sources and likelihood of risks and their impacts.
risiko serta dampaknya. Bank melakukan pengukuran risiko The Bank conducts risk measurement in accordance with
sesuai dengan karakteristik dan kompleksitas kegiatan usaha. the characteristics and complexity of business activities.
Dalam pemantauan terhadap hasil pengukuran risiko, Bank In monitoring the results of risk measurement, the Bank
menetapkan unit yang independen dari pihak yang melakukan establishes a unit that is independent of the party conducting
transaksi untuk memantau tingkat dan tren serta menganalisis the transaction to monitor the level and trend and analyze
arah risiko. Efektivitas penerapan manajemen risiko didukung the direction of risk. The effectiveness of risk management
oleh pengendalian risiko dengan mempertimbangkan implementation is supported by risk control by considering
hasil pengukuran dan pemantauan risiko. Dalam rangka the results of risk measurement and monitoring. In order to
mendukung proses identifikasi, pengukuran, pemantauan, dan support the process of identifying, measuring, monitoring, and
pengendalian risiko, Bank mengembangkan sistem informasi controlling risks, the Bank develops a management information
manajemen yang disesuaikan dengan karakteristik, kegiatan, system that is tailored to the characteristics, activities, and
dan kompleksitas kegiatan usaha Bank. complexity of the Bank’s business activities.
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Laporan Tahunan 2024
2024 Annual Report
4. Sistem Pengendalian Internal 4. Internal Control System
Proses penerapan manajemen risiko yang efektif harus The process of implementing effective risk management
dilengkapi dengan sistem pengendalian internal yang andal. must be complemented by a reliable internal control system.
Penerapan sistem pengendalian internal secara efektif dapat Effective implementation of the internal control system can
membantu manajemen dalam menjaga aset Bank, menjamin assist management in safeguarding the Bank’s assets, ensuring
tersedianya pelaporan keuangan dan manajerial yang dapat the availability of reliable financial and managerial reporting,
dipercaya, meningkatkan kepatuhan Bank terhadap ketentuan improving the Bank’s compliance with laws and regulations,
dan peraturan perundang-undangan, serta mengurangi risiko and reducing the risk of losses, irregularities, and violations
terjadinya kerugian, penyimpangan, dan pelanggaran aspek of prudential aspects. The implementation of a reliable and
kehati-hatian. Terselenggaranya sistem pengendalian internal effective internal control system is the responsibility of all
Bank yang andal dan efektif menjadi tanggung jawab dari operational work units (risk-taking units) and supporting work
seluruh satuan kerja operasional (risk-taking unit) dan satuan units as well as SKAI.
kerja pendukung serta SKAI.
Bank terus mengoptimalkan penerapan sistem pengendalian The Bank continues to optimize the implementation of a
internal yang komprehensif guna meminimalkan risiko yang comprehensive internal control system to minimize risks that could
dapat berdampak signifikan terhadap operasional dan kinerja significantly impact operations and financial performance. SKAI
keuangan. SKAI secara berkala melakukan pembaruan dan evaluasi periodically updates and evaluates internal controls to align with
terhadap pengendalian internal agar selaras dengan profil risiko the risk profile and current business developments. The Board
dan perkembangan bisnis terkini. Dewan Komisaris dan Direksi of Commissioners and the Board of Directors are responsible for
memiliki tanggung jawab untuk melakukan penilaian menyeluruh conducting a thorough assessment of the effectiveness of internal
terhadap efektivitas pengendalian internal setiap tahun buku guna controls each financial year to ensure that the system is functioning
memastikan bahwa sistem yang diterapkan berjalan secara optimal optimally and is capable of identifying and addressing potential
serta mampu mengidentifikasi dan mengatasi potensi risiko. risks.
Profil Risiko Risk Profile
Profil risiko Bank diklasifikasikan oleh Divisi Manajemen Risiko The Bank’s risk profile is classified by the Risk Management Division
bersama dengan divisi/unit kerja terkait, yang bertanggung jawab in collaboration with the relevant divisions/work units, which
dalam melakukan penilaian serta merumuskan strategi mitigasi are responsible for conducting assessments and formulating risk
risiko. Rincian profil risiko dan upaya mitigasinya diuraikan dalam mitigation strategies. Details of the risk profile and mitigation
tabel berikut. efforts are outlined in the following table.
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Kredit Risiko akibat kegagalan debitur dan/atau pihak lain dalam Penilaian risiko kredit Bank INA secara komposit dinilai “Moderate”.
memenuhi kewajiban kepada Bank. Risiko kredit sesuai Outstanding kredit meningkat 7,64% dari Rp12,31 triliun pada tahun
dengan aktivitas bisnis Bank INA, bersumber dari aktivitas 2023 menjadi Rp13,25 triliun di tahun 2024. Jumlah kredit berkualitas
pemberian kredit, kepemilikan instrumen keuangan, rendah tahun 2024 mengalami peningkatan menjadi sebesar Rp1,4 triliun
transaksi antar Bank, serta kewajiban komitmen dan miliar dari sebelumnya Rp0,98 triliun di tahun 2023. Secara rasio, kredit
kontinjensi. Sampai dengan saat ini, sumber utama berkualitas rendah juga meningkat dari 7,08% di tahun 2023 menjadi
pendapatan Bank INA masih bersumber pada pendapatan 10,63% per posisi Desember 2024. Sedangkan rasio NPL gross meningkat
dari aktivitas penyaluran kredit dan aktivitas pembelian dari 2,22% menjadi 2,38%.
surat berharga.
Konsentrasi kredit terhadap debitur inti (25 debitur terbesar) sedikit
mengalami perbaikan dengan penurunan dari 38,96% (2023) menjadi
38,66% (2024).
Credit Risk Risk due to failure of the debtor and/or other parties in Bank INA’s credit risk assessment is rated as “Moderate” on a composite
fulfilling obligations to the Bank. Credit risk is consistent with basis. Outstanding credit increased by 7.64% from Rp12.31 trillion in 2023
Bank INA’s business activities, originating from lending to Rp13.25 trillion in 2024. The amount of low-quality credit in 2024 rose
activities, ownership of financial instruments, inter-bank to Rp1.4 trillion from Rp0.98 trillion in 2023. In terms of ratio, low-quality
transactions, as well as commitments and contingencies. credit also increased from 7.08% in 2023 to 10.63% as of December 2024.
Until now, the main source of Bank INA’s income is still Meanwhile, the gross NPL ratio rose from 2.22% to 2.38%.
derived from income from lending activities and securities
purchasing activities. The concentration of credit to core debtors (the 25 largest debtors)
showed slight improvement, declining from 38.96% in 2023 to 38.66% in
2024.
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Tinjauan Pendukung Bisnis
Business Support Overview
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Pasar Risiko pada posisi neraca dan rekening administratif Penilaian risiko pasar dinilai “Low to Moderate”. Portofolio aset yang
termasuk transaksi derivatif, akibat perubahan secara diukur dengan nilai pasar wajar (Fair Value through Other Comprehensive
keseluruhan dari kondisi pasar, termasuk risiko Income (FVOCI) & Fair Value through Profit or Loss (FVTPL)) meningkat dari
perubahan harga option, yang meliputi risiko suku bunga Rp3,07 triliun pada tahun 2023 menjadi Rp 4,42 triliun pada tahun 2024.
dan risiko nilai tukar. Penerapan manajemen risiko pasar Apabila dibandingkan dengan total aset juga meningkat dari 12,46%
bertujuan untuk meminimalkan kemungkinan dampak menjadi 19,68%. Terhadap kepemilikan aset Surat Berharga tersebut
negatif akibat perubahan kondisi pasar terhadap aset Bank terpapar unrealize loss sebesar Rp42,76 miliar (1,18% dari total
dan permodalan Bank. Pelaksanaan pengendalian risiko modal), turun apabila dibandingkan dengan unrealize profit pada tahun
pasar secara berkala dilakukan oleh Unit Kerja Treasury 2023 sebesar Rp1,26 miliar (0,04% dari total modal).
dan ALCO. Sementara itu, kebijakan dan penetapan limit
risiko dilakukan oleh Divisi Manajemen Risiko sebagai unit Instrumen/produk yang dimiliki Bank saat ini masih tergolong
kerja yang independen. instrumen yang sederhana, yaitu Forex, SBN retail, Bonds, Pasar
uang antar bank, dan Repo. Pengelolaan risiko Interest Rate Risk
in the Banking Book (IRRBB) Bank dijalankan dengan konsisten
untuk mengenakan suku bunga mengambang (floating rate)
di hampir semua produk funding dan lending, dengan tujuan agar dapat
secara cepat dilakukan penyelarasan apabila risiko IRRBB ini berpotensi
memengaruhi net interest income (NII) secara signifikan. Rasio NIM Bank
meningkat dari 3,14% di tahun 2023 menjadi 3,30% pada tahun 2024.
Market Risk Risks on balance sheet and off-balance sheet positions, The market risk assessment is rated as “Low to Moderate.”
including derivative transactions, due to overall changes The portfolio of assets measured at fair value — both through Other
in market conditions, including the risk of changes Comprehensive Income (FVOCI) and through Profit or Loss (FVTPL) —
on option price, which includes interest rate risk and increased from Rp3.07 trillion in 2023 to Rp4.42 trillion in 2024.
exchange rate risk. The implementation of market risk When compared to total assets, it also increased from 12.46% to
management aims to minimize the possibility of negative 19.68%. In relation to the ownership of these securities assets,
impacts due to changes in market conditions on the the Bank was exposed to an unrealized loss of Rp42.76 billion
Bank’s assets and capital. Implementation of market (1.18% of total capital), a decrease compared to the unrealized profit in
risk control is periodically carried out by the Treasury 2023 of Rp1.26 billion (0.04% of total capital).
Work Unit and ALCO. Meanwhile, risk policies and limits
determinations are set by the Risk Management Division
as an independent work unit. The instruments/products currently held by the Bank are still categorized
as simple instruments, namely Forex, retail government securities (SBN),
bonds, interbank money market, and repo. The Bank’s management
of Interest Rate Risk in the Banking Book (IRRBB) is consistently carried
out by applying floating interest rates to almost all funding and lending
products, with the aim of enabling quick alignment in case the IRRBB
risk has the potential to significantly affect net interest income (NII). The
Bank’s NIM ratio increased from 3.14% in 2023 to 3.30% in 2024.
Risiko Operasional Risiko akibat ketidakcukupan dan/atau tidak berfungsinya Risiko operasional dinilai “Low to Moderate”. Bank secara konsisten
proses internal, kesalahan manusia, kegagalan sistem, berupaya meningkatkan kualitas dan efisiensi proses operasional melalui
dan/atau adanya kejadian-kejadian eksternal yang berbagai inisiatif teknologi informasi. Beberapa proyek yang telah
memengaruhi operasional Bank, yang dapat bersumber dilaksanakan antara lain pengembangan terkait user access management,
antara lain dari sumber daya manusia (SDM), proses Real Time Gross Settlement (RTGS) - Straight Through Processing Gateway
internal, sistem, dan infrastruktur, serta kejadian (STPG) untuk transaksi perbankan elektronik, implementasi Standar
eksternal. Penerapan manajemen risiko operasional Nasional Open API Pembayaran (SNAP) Bank Indonesia dan Indonesian
diperlukan untuk meminimalkan kemungkinan dampak Banking Benchmarking (IBB) Performance Report, serta pengembangan
negatif dari tidak berfungsinya proses internal, kesalahan dan peningkatan layanan pada aplikasi mobile banking Bank INA.
manusia, kegagalan sistem, dan/atau terjadinya kejadian-
kejadian eksternal yang dapat mempengaruhi operasional Bank telah menerapkan sistem pencatatan kerugian atau Loss Event
Bank. Database (LED) untuk memperkuat pengelolaan risiko operasional. Sistem
ini berfungsi sebagai database untuk mencatat segala jenis kerugian
yang diakibatkan oleh risiko operasional. Seluruh unit kerja diwajibkan
untuk secara aktif mengidentifikasi, mencatat, dan melaporkan setiap
kejadian yang berpotensi atau telah menimbulkan kerugian. Dengan
adanya LED, Bank dapat melakukan pemantauan terhadap tren
kerugian, menganalisis akar penyebabnya, serta mengambil tindakan
perbaikan secara efektif. Tujuannya adalah untuk mencegah terjadinya
kerugian berulang, meningkatkan efektivitas pengendalian risiko, dan
memastikan kepatuhan terhadap regulasi yang berlaku. Selain itu, Bank
juga telah menyusun prosedur pelaksanaan yang jelas untuk menjamin
keberlangsungan penggunaan sistem ini.
Bank senantiasa melakukan upaya peningkatan kualitas internal kontrol
dan menjaga akuntabilitas setiap proses operasional melalui penambahan
dan peningkatan kualitas SDM, pelatihan dan sosialisasi ketentuan secara
lebih intensif, penerapan aplikasi sistem anti-fraud, melengkapi kebijakan
dan prosedur operasional, melakukan review terhadap proses aktivitas
operasional dan mengikuti perkembangan ketentuan terkini. Unit Kerja
Digital Governance telah melaksanakan fungsinya untuk memastikan
penerapan GCG dalam perkembangan digital banking di Bank INA.
Review terhadap aktivitas operasional dilakukan untuk memastikan
potensi risiko yang ada dapat dikendalikan melalui perbaikan prosedur,
perbaikan sistem, dan infrastruktur.
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2024 Annual Report
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Operational Risk Risk due to insufficiency and/or non-functioning of Operational risk is assessed as “Low to Moderate”. The Bank consistently
internal processes, human errors, system failures, and/or strives to improve the quality and efficiency of operational processes
external events that affect the Bank’s operations, which through various information technology initiatives. Several projects
may originate among others from human resources (HR), that have been carried out include developments related to user access
internal processes, systems, and infrastructure, as well as management, Real Time Gross Settlement (RTGS) - Straight Through
external events. The implementation of operational risk Processing Gateway (STPG) for electronic banking transactions,
management is necessary to minimize the possibility of implementation of the Bank Indonesia National Standard for Open
negative impacts from malfunctioning internal processes, API Payment (SNAP) and the Indonesian Banking Benchmarking (IBB)
human errors, system failures, and/or the occurrence of Performance Report, as well as the development and enhancement of
external events that may affect the Bank’s operations. services on the Bank INA mobile banking application.
The Bank has implemented a loss recording system or Loss Event Database
(LED) to strengthen operational risk management. This system functions
as a database for recording all types of losses caused by operational risk.
All work units are required to actively identify, record, and report every
event that has the potential to cause or has already caused a loss. With the
LED in place, the Bank can monitor loss trends, analyze their root causes,
and take corrective action effectively. The goal is to prevent recurring
losses, improve the effectiveness of risk controls, and ensure compliance
with applicable regulations. In addition, the Bank has also established
clear implementation procedures to ensure the continued use of this
system.
The Bank always makes efforts to improve the quality of internal control
and maintain accountability for each operational process through
adding and improving the quality of human resources, training, and
dissemination of provisions more intensively, implementing anti-fraud
system applications, completing operational policies and procedures,
reviewing operational activity processes, and following the latest
regulatory developments. The Digital Governance Work Unit has carried
out its function to ensure the implementation of GCG in the development
of digital banking at Bank INA.
A review of operational activities is carried out to ensure that potential risks
can be controlled through improved procedures, system improvements
and infrastructure.
Risiko Likuiditas Risiko akibat ketidakmampuan Bank untuk memenuhi Risiko likuiditas Bank dinilai “Low to Moderate”. Bank menjaga
kewajiban yang jatuh tempo dari sumber pendanaan arus risiko likuiditas dengan memastikan kecukupan aset likuid yang
kas dan/atau dari aset likuid yang berkualitas tinggi yang berkualitas tinggi untuk memenuhi kewajiban yang telah jatuh tempo.
dapat diagunkan tanpa mengganggu aktivitas dan kondisi Hal ini tercermin dari rasio Liquidity Coverage Ratio (LCR) yang tetap
keuangan Bank. Penerapan manajemen risiko likuiditas terjaga yakni 159% (Desember 2024), menurun dibandingkan Desember
Bank bertujuan untuk meminimalkan kemungkinan 2023 sebesar 161%. Perbandingan aset likuid dengan dana pihak ketiga
ketidakmampuan Bank dalam memperoleh sumber (DPK) atau analisis likuiditas dan dana pihak ketiga (ALDPK) dalam
pendanaan arus kas. rasio yang sangat baik, yaitu 26,35% (Desember 2024), lebih tinggi dari
posisi Desember 2023 sebesar 25,34%.
Bank senantiasa mengembangkan produk dan infrastruktur IT yang
dapat mendukung pengembangan layanan agar dapat memenuhi
atau menyesuaikan kebutuhan nasabah. Pertumbuhan DPK secara
bertahap telah diimbangi dengan penyaluran kredit, ditunjukkan
dengan peningkatan rasio LDR, yaitu menjadi sebesar 65,33%, turun tipis
dibanding akhir tahun 2023 sebesar 65,59%. Pencapaian DPK
posisi Desember 2024 sebesar 91,29% dari target RBB yang
ditetapkan mencerminkan bahwa Bank memiliki akses pasar
yang baik untuk pendanaan di samping adanya komitmen dan
kemampuan yang kuat dari Pemegang Saham serta dukungan grup
usaha. Meskipun DPK yang berhasil dihimpun Bank merupakan
pendanaan jangka pendek (secara kontraktual kurang dari
1 tahun), namun demikian tingkat kestabilan dana masih sangat
baik tercermin dari tingkat volatilitas harian yang rendah,
di samping adanya pertimbangan loyalitas sebagian besar deposan
yang telah bermitra dengan Bank INA cukup lama dengan tingkat
roll over deposito jatuh tempo yang relatif tinggi.
Liquidity Risk Risk due to the Bank’s inability to meet its maturing The Bank’s liquidity risk is assessed as “Low to Moderate”. The Bank
obligations from cash flow funding sources and/or from manages liquidity risk by ensuring the adequacy of high-quality liquid
high quality liquid assets that can be used as collateral assets to meet maturing obligations. This is reflected in the Liquidity
without disrupting the Bank’s activities and financial Coverage Ratio (LCR), which remained stable at 159% (December 2024),
condition. Implementation of the Bank’s liquidity risk a slight decrease from 161% in December 2023. The ratio of liquid assets
management aims to minimize the possibility of the to third-party funds (DPK), or the analysis of liquidity and third-party
Bank’s inability to obtain cash flow funding sources. funds (ALDPK), is in a very healthy range, at 26.35% (December 2024),
higher than the 25.34% recorded in December 2023.
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Business Support Overview
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
The Bank continuously develops products and IT infrastructure to support
service improvements that can meet or adapt to customer needs. The
gradual growth in DPK has been balanced with credit disbursement,
as reflected in the Loan to Deposit Ratio (LDR), which reached 65.33%,
slightly down from 65.59% at the end of 2023. The DPK achievement as of
December 2024 reached 91.29% of the RBB target, indicating that the Bank
has good market access for funding, in addition to strong commitment
and capability from Shareholders as well as support from the business
group. Although the DPK collected by the Bank is short-term funding
(contractually less than 1 year), the level of fund stability remains very
strong, as reflected in the low level of daily volatility, along with the loyalty
of most depositors who have partnered with Bank INA for a considerable
time, as indicated by the relatively high rollover rate of maturing deposits.
Risiko Hukum Risiko yang disebabkan oleh adanya kelemahan aspek Risiko hukum dinilai “Low to Moderate”. Bank sampai saat ini tidak
yuridis, yang antara lain disebabkan adanya tuntutan memiliki kelemahan hukum yang dapat mengekspose risiko hukum secara
hukum, ketiadaan peraturan perundang-undangan yang signifikan. Dari sisi aspek legal, perjanjian kredit dan pengikatan agunan
mendukung, atau kelemahan perikatan, seperti tidak telah dilakukan monitoring oleh Unit Kerja Administrasi Kredit terhadap
dipenuhinya syarat sahnya kontrak dan pengikatan seluruh kelengkapan dokumentasi legal untuk mencegah terjadinya risiko
agunan yang tidak sempurna. Penerapan risiko hukum hukum. Permasalahan dan kasus hukum yang terjadi ditangani oleh Unit
bertujuan untuk meminimalkan kemungkinan dampak Legal Corporate bersama dengan konsultan hukum Bank.
negatif dari kelemahan yuridis, ketiadaan dan/atau
perubahan peraturan perundang-undangan dan proses
litigasi.
Legal Risk Risks caused by weaknesses in the juridical aspect, Legal risk assessed “Low to Moderate”. Until now, the Bank has no
which among others are caused by lawsuits, absence legal weaknesses that can expose significant legal risks. From the legal
of supporting laws and regulations, or weaknesses in aspect, the credit agreement and collateral binding have been carried out
the agreement, such as non-compliance with the legal monitoring by the Credit Administration Work Unit on all complete legal
requirements of contracts and imperfect binding of documentation to prevent legal risks from occurring. Problems and legal
collateral. The application of legal risk aims to minimize cases that occur are handled by the Corporate Legal Unit together with the
the possibility of negative impacts from juridical Bank’s legal consultant.
weaknesses, absence and/or changes in laws and
regulations and litigation processes.
Risiko Stratejik Risiko akibat ketidaktepatan dalam pengambilan Risiko stratejik secara komposit dinilai “Low to Moderate”. Secara
keputusan dan/atau pelaksanaan suatu keputusan umum target rencana bisnis dapat terpenuhi seperti penghimpunan
stratejik serta kegagalan dalam mengatasi perubahan DPK tercapai sebesar 91,29%, penyaluran kredit 91,77%, pendapatan
lingkungan bisnis. Risiko stratejik bersumber dari adanya bunga bersih tercapai sebesar 96,45%, pendapatan operasional lainnya
kelemahan dan ketidaktepatan dalam perencanaan tercapai sebesar 142,79%. Sementara itu, pencapaian laba operasional
strategi Bank, kelemahan pada sistem informasi sebesar 102,34% dan laba tahun berjalan sebesar 102,70%. Pencapaian
manajemen, kelemahan analisa lingkungan internal dan pendapatan bunga bersih terutama dipengaruhi oleh peningkatan
eksternal, ketidaktepatan implementasi, dan kegagalan penyaluran kredit Bank.
dalam mengantisipasi perubahan lingkungan bisnis.
Pertumbuhan kredit yang lebih lambat dari pertumbuhan DPK
menyebabkan terjadinya peningkatan rasio LDR dari 65,59%
pada akhir tahun 2023 menjadi 65,33% pada akhir tahun 2024.
Bank tetap dapat meningkatkan penyaluran kredit di tengah
kondisi dunia usaha yang masih diselimuti risiko ketidakpastian.
Selain itu, pembelian terhadap surat berharga korporasi, terutama
korporasi Badan Usaha Milik Negara (BUMN), terus dilakukan sebagai
upaya untuk meningkatkan rasio pemenuhan kewajiban rasio
intermediasi makroprudensial (RIM).
Strategic Risk Risk due to inaccuracy in decision making and/or Composite strategic risk is assessed “Low to Moderate”. In general, the
implementation of a strategic decision and failure to business plan targets can be met, such as the collection of TPF is reached
cope with changes in the business environment. Strategic by 91.29%, credit distribution is 91.77%, net interest income is achieved
risk originates from weaknesses and inaccuracies in the by 96.45%, other operating income is achieved by 142.79%. Meanwhile,
Bank’s strategic planning, weaknesses in management the achievement of operational profit was 102.34% and profit for the
information systems, weaknesses in internal and external current year was 102.70%. The achievement of net interest income was
environmental analysis, inaccuracies in implementation, mainly influenced by the increase in Bank lending.
and failure to anticipate changes in the business
environment. Slower credit growth compared to the growth of third-party funds
(DPK) led to a increase/decrease in the Loan to Deposit Ratio (LDR) from
65.59% at the end of 2023 to 65.33% at the end of 2024. The Bank was
still able to increase credit distribution amid an economic environment
that remains affected by uncertainty. In addition, the Bank continued
purchasing corporate securities — particularly those issued by state-owned
enterprises (BUMN) — as part of efforts to improve compliance with the
macroprudential intermediation ratio (RIM).
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Laporan Tahunan 2024
2024 Annual Report
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Kepatuhan Risiko akibat Bank tidak mematuhi dan/atau tidak Peringkat risiko kepatuhan secara komposit dinilai “Low to Moderate”.
melaksanakan peraturan perundang-undangan dan Pemenuhan kewajiban kepada otoritas baik berupa pemenuhan
ketentuan yang berlaku. Risiko kepatuhan bersumber komitmen maupun penyampaian laporan secara berkala dapat dikelola
dari perilaku hukum, yakni perilaku/aktivitas Bank dengan baik. Pengenaan sanksi maupun denda dari otoritas diupayakan
yang menyimpang atau melanggar dari ketentuan atau untuk dihindari, melalui peningkatan budaya kepatuhan maupun
peraturan perundang-undangan dan perilaku organisasi, peningkatan aspek internal kontrol pada masing-masing unit kerja.
yakni perilaku/aktivitas bank yang menyimpang atau Sementara itu, Bank mewajibkan pelaksanaan uji kepatuhan terhadap
bertentangan dengan standar yang berlaku secara umum. transaksi bidang perkreditan dengan pemberian fasilitas kredit di
atas Rp10 miliar, untuk memastikan bahwa transaksi telah memenuhi
ketentuan dan perundangan yang berlaku.
Compliance Risk Risk due to the Bank not complying with and/or not Composite compliance risk levels are assessed “Low to Moderate”.
implementing the applicable laws and regulations. Fulfillment of obligations to the authorities either in the form of fulfilling
Compliance risk originates from legal behavior, i.e. Bank commitments or submitting periodic reports can be managed properly.
behavior/activities that deviate or violate the provisions or Attempts are made to avoid the imposition of sanctions and fines from
laws and regulations and organizational behavior, namely the authorities, by increasing the compliance culture as well as improving
bank behavior/activities that deviate or conflict with internal control aspects in each work unit. Meanwhile, the Bank requires
generally accepted standards. the implementation of a compliance test for transactions in the credit
sector with the provision of credit facilities of more than Rp10 billion, to
ensure that transactions comply with applicable laws and regulations.
Risiko Reputasi Risiko akibat menurunnya tingkat kepercayaan pemangku Peringkat risiko reputasi secara komposit dinilai “Low to Moderate”.
kepentingan yang bersumber dari persepsi negatif Parameter penilaian risiko reputasi salah satunya adalah tingkat
terhadap Bank. Persepsi negatif terhadap Bank dapat keluhan nasabah. Tingkat keluhan nasabah antara lain bersumber dari
ditimbulkan oleh kejadian-kejadian yang menurunkan ketidakpuasan nasabah atas pelayanan Bank, maupun pengelolaan Bank
reputasi, seperti keluhan nasabah atas produk dan jasa atas keluhan yang disampaikan oleh nasabah. Keluhan yang disampaikan
yang diberikan, kelemahan pada tata kelola, budaya nasabah pada umumnya masih terkait dengan gangguan transaksi
perusahaan, serta praktik bisnis yang menyimpang dari operasional maupun transaksi lainnya. Bank mempunyai sarana contact
standar. centre dan petugas contact centre untuk menangani keluhan nasabah.
Secara umum, keluhan yang disampaikan nasabah tersebut telah dapat
diselesaikan dan tidak mengekspose risiko reputasi secara signifikan.
Penyelesaian atas keluhan nasabah dilakukan sesuai prosedur yang telah
ditetapkan.
Reputation Risk Risk due to decreased level of stakeholder trust originating The reputational risk rating is compositely assessed “Low to Moderate”.
from negative perceptions of the Bank. Negative One of the reputation risk assessment parameters is the level of customer
perceptions of the Bank can be generated by events complaints. The level of customer complaints, among others, comes
that degrade reputation, such as customer complaints from customer dissatisfaction with the Bank’s services, as well as the
about the products and services provided, weaknesses Bank’s management of complaints submitted by customers. Complaints
in governance, corporate culture, and business practices submitted by customers are generally still related to disruptions to
that deviate from standards. operational transactions and other transactions. The Bank has contact
centre facilities and contact centre officers to handle customer complaints.
In general, the complaints submitted by these customers have been
resolved and have not exposed significant reputational risk. Settlement of
customer complaints is carried out according to established procedures.
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Penilaian Profil Risiko Risk Profile Assessment
Pada tahun 2024, Bank INA memperoleh peringkat risiko pada In 2024, Bank INA received a risk rating of level 2, which falls
level 2, yang tergolong dalam kategori “Low to Moderate”. under the “Low to Moderate” category. Information regarding the
Informasi terkait hasil self-assessment dan evaluasi profil risiko results of the self-assessment and the evaluation of the Bank’s risk
Bank dalam 2 tahun terakhir diungkapkan sebagai berikut. profile over the past 2 years is disclosed as follows.
Penilaian Desember 2024 Penilaian Desember 2023
December 2024 Assessment December 2023 Assessment
Peringkat Peringkat
Kualitas Kualitas
Profil Risiko Peringkat Peringkat Peringkat Peringkat
Manajemen Manajemen
Risk Profile Risiko Inheren Tingkat Risiko Risiko Inheren Tingkat Risiko
Risiko Risiko
Inherent Risk Risk Level Inherent Risk Risk Level
Risk Risk
Rating Rating Rating Rating
Management Management
Quality Rating Quality Rating
Kredit
Moderate Fair Moderate Moderate Fair Moderate
Credit
Pasar
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Market
Operasional
Low to Moderate Fair Low to Moderate Low to Moderate Fair Moderate
Operational
Likuiditas
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Liquidity
Hukum
Low Satisfactory Low to Moderate Low Satisfactory Low to Moderate
Legal
Stratejik
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Strategic
Kepatuhan
Low Satisfactory Low to Moderate Low Satisfactory Low to Moderate
Compliance
Reputasi
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Reputation
Peringkat Komposit
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Composite Rating
Pengungkapan Eksposur Risiko dan Disclosure of Risk Exposure and
Penerapan Manajemen Risiko Implementation of Risk Management
Risiko Kredit Credit Risk
1. Penerapan Manajemen Risiko Kredit 1. Implementation of Credit Risk Management
Penerapan manajemen risiko kredit dilakukan agar risiko The implementation of credit risk management is carried out
kredit yang timbul dapat terjaga dalam batas toleransi yang so that the credit risk that arises can be maintained within
ditetapkan. Manajemen risiko kredit dilakukan mulai dari the established tolerance limits. Credit risk management is
proses inisiasi pemberian kredit, analisa kredit, pengambilan carried out starting from the process of initiating credit, credit
keputusan, pencairan, penatausahaan dan administrasi sampai analysis, decision making, disbursement, management and
dengan proses penanganan kredit bermasalah. Tujuannya administration to the process of handling non-performing
adalah agar dan apabila terjadi kredit bermasalah dapat loans. The aim is to ensure that, if the non-performing loans
ditangani secara optimum, sehingga kerugian yang timbul arise, they can be handled optimally, so that any resulting
dapat diminimalkan. losses can be minimized.
Proses analisis permohonan kredit dilakukan oleh Unit The credit application analysis process is carried out by the
Kerja Credit Reviewer yang independen terhadap Unit Bisnis. Credit Reviewer Work Unit, which is independent of the
Pengambilan keputusan pemberian kredit dilakukan oleh Business Unit. Credit granting decisions are made by the Credit
Komite Kredit. Pengelolaan dokumen perkreditan dilakukan Committee. Management of credit documents is carried out
oleh Unit Kerja Loan Operation yang berfungsi melakukan by the Loan Operation Work Unit which functions to control
kontrol terhadap pemenuhan covenant yang dipersyaratkan compliance covenant required before the credit is disbursed
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sebelum kredit dicairkan dan pengawasan terhadap ketepatan and supervision of the accuracy of payments in accordance with
pembayaran sesuai dengan kontrak yang diperjanjikan. Proses the agreed contract. The disbursement process is carried out
pencairan dilakukan oleh Unit Kerja Administrasi Kredit by the Credit Administration Work Unit after all requirements
setelah seluruh persyaratan terpenuhi. Selain itu, monitoring are met. In addition, credit monitoring is carried out by
perkreditan dilakukan oleh Unit Kerja Credit Control Monitoring. the Credit Control Monitoring Work Unit.
Sistem pengendalian internal dalam bidang perkreditan The internal control system in the credit sector is also carried
juga dilakukan melalui pedoman operasional pelaksanaan out through operational guidelines for the implementation of
verifikasi dalam proses pencairan kredit. Sementara itu, verification in the credit disbursement process. Meanwhile, the
kewajiban pelaksanaan uji kepatuhan dilakukan oleh Fungsi obligation to carry out compliance tests is carried out by the
Kepatuhan terhadap transaksi bidang perkreditan dengan Compliance Function with transactions in the field of credit
pemberian fasilitas kredit di atas Rp10 miliar secara konsisten with the provision of credit facilities above Rp10 billion has
telah dilaksanakan untuk memastikan bahwa transaksi been consistently implemented to ensure that transactions
telah memenuhi ketentuan yang berlaku. Dalam rangka comply with applicable regulations. In order to minimize losses
menekan tingkat kerugian apabila terdapat kredit macet, in the event of non-performing loans, the management of
maka penanganan kredit bermasalah dilakukan oleh Unit Kerja problematic loans is handled by the Remedial & Special Asset
Remedial & Special Asset Management yang bekerja secara Management Work Unit, which operates with a focused and
fokus dan independen. Perumusan kebijakan dalam bidang independent approach. The formulation of credit policies is
perkreditan dibahas dalam Komite Kebijakan Perkreditan Bank. discussed in the Bank’s Credit Policy Committee.
2. Pembentukan Cadangan Kerugian Penurunan Nilai (CKPN) 2. Formation of Allowance for Impairment Losses (CKPN)
Risiko kredit terjadi akibat kegagalan debitur/atau pihak lain Credit risk arises from the failure of debtors or other parties
dalam memenuhi kewajiban kepada Bank. Bank mencatat to meet their obligations to the Bank. The Bank records the
kegagalan debitur/atau pihak lain dalam tagihan yang telah failure of debtors or other parties in overdue receivables,
jatuh tempo, yaitu tagihan yang mengalami penunggakan which are payments of principal or interest that have been
pembayaran baik pokok maupun bunga selama lebih dari overdue for more than 90 days. The provision for impairment
90 hari. CKPN disusun pada aset-aset produktif yang terbagi (CKPN) is established for productive assets, which are divided
menjadi terbagi atas 3 stage, yaitu stage 1, 2, dan 3. Stage 1 into 3 stages: Stage 1, Stage 2, and Stage 3. Stage 1 applies to
untuk aset dengan kualitas lancar. Stage 2 terdiri dari aset assets with a satisfactory quality. Stage 2 consists of assets with
yang memiliki bukti nyata peningkatan risiko kredit dari sejak evidence of a significant increase in credit risk since acquisition
diperoleh (significant increase credit risk/SICR). Stage 3 adalah (Significant Increase in Credit Risk/SICR). Stage 3 includes assets
aset yang diakui telah impair. Pada stage 2 dan 3, CKPN dihitung that are recognized as impaired. For Stage 2 and Stage 3, the
hingga jatuh tempo (life time ECL), sedangkan pada stage 1 provision for impairment is calculated over the asset’s lifetime
ECL dihitung hanya 12 bulan. Tingkat signifikansi kredit yang (lifetime ECL), while for Stage 1, the ECL is calculated for a
di-impair secara individual ditetapkan dalam kebijakan Bank period of 12 months. The level of credit impairment considered
dengan mengacu kepada ketentuan akuntansi yang berlaku. individually is determined by the Bank’s policies, in accordance
Peristiwa-peristiwa yang diobservasi dalam rangka evaluasi with the applicable accounting standards. The events observed
penurunan nilai kredit adalah sebagai berikut. for evaluating credit impairment are as follows.
a. Kesulitan keuangan secara signifikan yang dialami penerbit a. Significant financial difficulties experienced by the issuer
atau peminjam dengan jumlah signifikan. or borrower with a significant amount.
b. Pelanggaran kontrak, seperti terjadinya wanprestasi atas b. Breach of contract, such as default on payment of principal
pembayaran pokok atau bunga. Hal ini dievaluasi dari data or interest. This is evaluated from the payment data
pembayaran sesuai jadwal pembayaran masing-masing according to the payment schedule of each debtor.
debitur.
c. Kemungkinan pihak peminjam akan dinyatakan pailit atau c. The possibility that the borrower may be declared bankrupt
melakukan reorganisasi, dengan mengacu kepada informasi or undergo reorganization, based on the information
yang diperoleh, untuk kredit dengan jumlah yang signifikan. obtained, for loans with significant amounts.
d. Kondisi ekonomi nasional/lokal atau kondisi industri d. National/local economic conditions or industrial
yang berkorelasi dengan wanprestasi debitur atau conditions that correlate with debtor defaults or worsening
memburuknya kualitas kredit dalam industri tersebut. credit quality in the industry. Observations are made on
Observasi dilakukan secara berkesinambungan dimulai an ongoing basis starting at the beginning of the current
pada awal tahun berjalan dan hasil observasi diaplikasikan year and the results of the observations are applied to all
ke seluruh debitur atau kelompok kredit dalam suatu debtors or credit groups in an industry or credit group that
industri atau kelompok kredit yang memiliki faktor risiko have similar risk factors.
sejenis.
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Pengungkapan kuantitatif tagihan bersih Bank dan CKPN Quantitative disclosure of Bank net receivables and CKPN is
tercantum dalam Tabel 1.1 sampai dengan Tabel 1.6, mencakup: listed in Table 1.1 to Table 1.6, which includes:
a. Tagihan Bersih Berdasarkan Wilayah selengkapnya a. Net Receivables by Region are presented in full in Table 1.1;
disajikan dalam Tabel 1.1;
b. Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak b. Net Receivables Based on the Remaining Term of
selengkapnya disajikan dalam Tabel 1.2; the Contract are presented in full in Table 1.2;
c. Tagihan Bersih Berdasarkan Sektor Ekonomi selengkapnya c. Net Receivables Based on Economic Sector are presented
disajikan dalam Tabel 1.3; in full in Table 1.3;
d. Tagihan dan Pencadangan Berdasarkan Wilayah d. Receivables and Provisions by Region are presented in full
selengkapnya disajikan dalam Tabel 1.4; in Table 1.4;
e. Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi e. Receivables and Provisions Based on Economic Sector are
selengkapnya disajikan dalam Tabel 1.5; dan presented in full in Table 1.5; and
f. Rincian Mutasi Cadangan Kerugian Penurunan Nilai f. Details of Movements in Allowance for Impairment Losses
selengkapnya disajikan dalam Tabel 1.6. in full are presented in Table 1.6.
3. Pengungkapan Risiko Kredit dengan Pendekatan Standar 3. Credit Risk Disclosure with Standard Approach
a. Kebijakan perhitungan Aset Tertimbang Menurut Risiko a. Policy for calculating Risk Weighted Assets (ATMR)
(ATMR)
Perhitungan ATMR Kredit - Pendekatan standar mencakup Calculation of RWA Credit - The standard approach
eksposur aset dalam neraca dan kewajiban komitmen/ includes asset exposure in the balance sheet and
kontinjensi dalam transaksi rekening administratif, namun commitments/contingencies in off balance sheet
tidak termasuk eksposur dalam trading book. Perhitungan transactions but does not include exposure in trading
dengan pendekatan standar juga mencakup eksposur yang book. The calculation using the standardized approach
menimbulkan risiko kredit akibat kegagalan pihak lawan also includes exposures that generate credit risk due to
(counterparty credit risk) antara lain transaksi derivatif over counterparty default (counterparty credit risk), such as
the counter (OTC) dan transaksi repo atau reverse repo, baik over-the-counter (OTC) derivative transactions and repo
atas posisi trading book maupun banking book mengacu or reverse repo transactions, for both trading book and
pada Peraturan Otoritas Jasa Keuangan tentang Kewajiban banking book positions, in accordance with the Financial
Penyediaan Modal Minimum (KPMM) dan eksposur transaksi Services Authority (OJK) regulation on Minimum Capital
penjualan atau pembelian instrumen keuangan yang Adequacy Requirements (KPMM) and exposures from the
mengalami kegagalan penyerahan kas dan/atau instrumen sale or purchase of financial instruments that experience
keuangan. Dalam perhitungan dengan pendekatan cash and/or financial instrument delivery failure. In the
standar, Bank menggunakan peringkat terkini dari lembaga calculation using the standardized approach, the Bank
pemeringkat yang diakui oleh Otoritas Jasa Keuangan. uses the latest ratings from rating agencies recognized by
Penggunaan peringkat dalam penetapan bobot dilakukan the Financial Services Authority. The use of these ratings
pada kategori portofolio tagihan kepada pemerintah, for risk-weighting is applied to portfolios of claims on the
tagihan kepada Bank, dan tagihan kepada korporasi. government, claims on banks, and claims on corporations.
b. Pengungkapan kuantitatif risiko kredit dengan pendekatan b. Quantitative disclosure of credit risk using the standard
standar sebagai berikut. approach is as follows.
1) Tagihan Bersih Berdasarkan Kategori Portofolio dan 1) Net Receivables Based on Portfolio Category and
Skala Peringkat selengkapnya disajikan dalam Tabel 2. Rating Scale are presented in full in Table 2.
2) Risiko Kredit Pihak Lawan (Counterparty Credit Risk) 2) Counterparty Credit Risk are not presented in the table
tidak disajikan dalam tabel karena Bank tidak memiliki because the Bank has no exposure to Counterparty
eksposur Counterparty Credit Risk. Credit Risk.
4. Pengungkapan Mitigasi Risiko Kredit dengan menggunakan 4. Disclosure of Credit Risk Mitigation using the Standard
Pendekatan Standar Approach
Dalam perhitungan ATMR risiko kredit, Bank mengakui In the calculation of credit risk RWA, the Bank recognizes the
keberadaan agunan, garansi, dan penjaminan yang memenuhi existence of collateral, guarantees and collateral that meet the
syarat (eligible) yang disebut dengan teknik mitigasi risiko requirements (eligible) called credit risk mitigation techniques
kredit (MRK). Bank hanya menggunakan teknik MRK apabila (MRK). The Bank only uses the CRM technique if the RWA credit
ATMR risiko kredit dari eksposur yang menggunakan teknik risk of exposures using the CRM technique is lower than the
MRK lebih rendah dari ATMR risiko kredit dari eksposur tersebut RWA credit risk of those exposures that do not use the CRM
yang tidak menggunakan teknik MRK. ATMR risiko kredit technique. RWA for credit risk after considering the impact of
setelah memperhitungkan dampak Teknik MRK paling rendah the MRK technique, the lowest is zero. Collateral, guarantees,
sebesar nol. Agunan, garansi, dan jaminan yang diakui sebagai and warranties recognized as credit risk mitigation (CRM)
teknik MRK tidak diperhitungkan ganda dalam perhitungan techniques are not double-counted in the calculation of risk-
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ATMR risiko kredit, dan masa berlakunya pengikatan agunan, weighted assets (RWA) for credit risk, and the validity period of
garansi, dan/atau jaminan paling kurang sama dengan sisa the collateral, guarantees, and/or warranties must be at least
jangka waktu eksposur. equal to the remaining exposure term.
Pengungkapan kuantitatif mitigasi risiko kredit dengan Quantitative disclosure of credit risk mitigation using a
menggunakan pendekatan standar sebagai berikut. standardized approach as follows.
a. Tagihan Bersih Berdasarkan Bobot Risiko setelah a. Net Receivables Based on Risk Weight after Calculating the
Memperhitungkan Dampak Mitigasi Risiko Kredit, Impact of Credit Risk Mitigation, in full is presented in Table
selengkapnya disajikan dalam Tabel 3.1. 3.1.
b. Tagihan Bersih dan Teknik Mitigasi Risiko Kredit b. Net Receivables and Credit Risk Mitigation Techniques are
selengkapnya disajikan dalam Tabel 3.2. presented in full in Table 3.2.
5. Sekuritisasi Aset 5. Asset Securitization
Bank tidak memiliki eksposur sekuritisasi aset selama periode The Bank has no asset securitization exposure during the
pelaporan. reporting period.
Perhitungan ATMR Risiko Kredit Pendekatan Standar disajikan Calculation of RWA Credit Risk Standard Approach is presented
secara lengkap pada Tabel 4.1, Tabel 4.2, Tabel 4.3, Tabel 4.4, in full in Table 4.1, Table 4.2, Table 4.3, Table 4.4, Table 4.5, Table
Tabel 4.5, Tabel 4.6, dan Tabel 4.7. 4.6, and Table 4.7.
Risiko Pasar Market Risk
1. Perhitungan risiko pasar dengan menggunakan Metode 1. Calculation of market risk using the Standard Method
Standar
a. Penerapan Manajemen Risiko a. Implementation of Risk Management
Pengendalian risiko pasar dilakukan pada perubahan suku Market risk control is carried out on changes in interest
bunga dan perubahan kurs pasar. Pendekatan yang dipilih rates and changes in market rates. The approach chosen in
dalam penghitungan ATMR ini adalah pendekatan standar. this RWA calculation is the standardized approach. There
Terdapat 7 kelas risiko yang diperhitungkan, dengan are 7 risk classes that are taken into account, by calculating
menghitung Sensitivity Based Method. the Sensitivity Based Method.
Bank melakukan perhitungan untuk 3 skenario berbeda The Bank performs calculations for 3 different scenarios
(normal, korelasi meningkat, dan korelasi menurun). (normal, increasing correlation, and decreasing correlation).
Persyaratan permodalan ATMR Risiko Pasar ditentukan sebagai The Market Risk RWA capital requirement is determined as
nilai terbesar di antara hasil perhitungan 3 skenario tersebut. the largest value among the results of the 3 scenarios.
b. Pengungkapan Kuantitatif b. Quantitative Disclosure
Penghitungan risiko pasar menggunakan metode standar Calculation of market risk using standard methods is
selengkapnya disajikan dalam Tabel 5. presented in full in Table 5.
2. Perhitungan Risiko Pasar dengan Menggunakan Model Internal 2. Calculation of Market Risk Using the Internal Model
Bank tidak melakukan perhitungan risiko pasar dengan The Bank does not carry out market risk calculations using an
pendekatan model internal. internal model approach.
Risiko Operasional Operational Risk
1. Penerapan Manajemen Risiko Operasional 1. Implementation of Operational Risk Management
Dalam penerapan manajemen risiko operasional, Bank telah In implementing operational risk management, the Bank
membentuk Unit Kerja Internal Control untuk meningkatkan has established an Internal Control Work Unit to raise
kesadaran akan risiko operasional serta memastikan tanggung awareness of operational risk and ensure accountability for
jawab dalam pelaksanaan operasional di setiap karyawan operational execution among all employees at branch offices.
di Kantor Cabang. Risiko operasional yang dikelola mencakup The operational risks managed include risks arising from
aspek yang disebabkan oleh manusia, proses, sistem, dan human factors, processes, systems, and external events. As
kejadian eksternal. Sebagai bagian dari tugas dan tanggung part of its duties and responsibilities, the Bank has developed
jawabnya, Bank telah menyusun pedoman mengenai internal control guidelines to serve as a reference for
internal control sebagai acuan dalam pelaksanaannya. implementation.
Selain itu, Unit Kerja Internal Control berperan dalam mendukung In addition, the Internal Control Work Unit plays a role in
pengawasan yang dilakukan oleh Satuan Kerja Audit Internal supporting the oversight carried out by the Internal Audit Unit
(SKAI) di Kantor Pusat. Secara berkala, Unit Kerja Internal Control (SKAI) at the Head Office. The Internal Control Unit regularly
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menyampaikan laporan kegiatan yang telah dilakukan di Kantor submits monthly reports on activities conducted at branch
Cabang setiap bulan, dengan tembusan kepada SKAI di Kantor offices, with copies sent to SKAI at the Head Office. The results
Pusat. Hasil pemeriksaan unit ini terhadap aktivitas operasional of this unit’s inspections of operational activities aim to identify
bertujuan untuk mengidentifikasi potensi risiko yang terjadi di potential risks at branch offices and to encourage improvements
Kantor Cabang serta mendorong perbaikan kebijakan, prosedur, to policies, procedures, systems, and IT infrastructure.
sistem, dan infrastruktur TI.
Dalam rangka mitigasi risiko operasional, Bank juga As part of operational risk mitigation efforts, the Bank also
menerapkan langkah-langkah pencegahan fraud yang selaras implements fraud prevention measures aligned with its
dengan Strategi Anti-Fraud Bank. Strategi ini melibatkan Anti-Fraud Strategy. This strategy involves the participation
partisipasi seluruh karyawan dan mengacu pada Kebijakan of all employees and refers to Management Policy No.
Manajemen No. RMG/13/03/0923 tentang Kebijakan dan RMG/13/03/0923 on Anti-Fraud Strategy Policies and
Prosedur Strategi Anti-Fraud. Procedures.
Lebih lanjut, untuk mendeteksi potensi fraud, Bank telah Furthermore, to detect potential fraud, the Bank has
menyusun Pedoman Umum Whistleblowing sebagaimana established a Whistleblowing Guideline as outlined in Policy
diatur dalam Kebijakan No. AUD/00/02/1023. Bank juga No. AUD/00/02/1023. The Bank also continues to improve the
terus meningkatkan kualitas sumber daya manusia quality of human resources by providing continuous training
dengan memberikan pelatihan dan sosialisasi secara and outreach to ensure that operational risk controls can be
berkesinambungan guna memastikan pengendalian risiko carried out effectively and remain well-managed.
operasional dapat berjalan secara efektif dan terkendali
dengan baik.
2. Pengungkapan Kuantitatif 2. Quantitative Disclosure
Penghitungan risiko operasional dilakukan dengan Pendekatan Calculation of operational risk is carried out using the Basic
Indikator Dasar (PID). Hasil penghitungan risiko operasional Indicator Approach (PID). The complete operational risk
selengkapnya disajikan dalam Tabel 6. calculation results are presented in Table 6.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas dikendalikan dengan menjaga kecukupan likuiditas Liquidity risk is managed by maintaining the Bank’s liquidity
Bank dengan memperhitungkan likuiditas eksogenik dan endogenik adequacy, considering both exogenous and endogenous liquidity
yang terjadi. Penjagaan kualitas aset dilakukan untuk meminimalkan factors. Asset quality is maintained to minimize cash flow
gangguan arus kas dan kemungkinan penurunan likuiditas aset. disruptions and the potential decline in asset liquidity. Risk control
Pengendalian risiko juga dilakukan dengan pengaturan gap is also achieved by managing maturity gaps across different
maturity pada tiap skala waktu, yang di-review pada saat rapat timeframes, which are reviewed during ALCO meetings held at least
ALCO yang dilakukan paling kurang 1 kali dalam 1 bulan. Penjagaan once a month. Liquidity sources are safeguarded by maintaining
sumber-sumber likuiditas dilakukan dengan menjaga reputasi the Bank’s reputation and improving the quality of products and
Bank serta upaya meningkatkan kualitas produk dan jasa yang services. Liquidity risk management is carried out by the Treasury
diberikan. Pengelolaan risiko likuiditas dilakukan oleh Unit Kerja Work Unit, while the identification, measurement, monitoring, and
Treasury, di mana proses identifikasi, pengukuran, pemantauan, control of liquidity risk across the bank are handled by the Risk
dan pengendalian risiko likuiditas secara bank wide dilakukan oleh Management Unit, including the formulation of policies and the
Satuan Kerja Manajemen Risiko, termasuk di dalamnya pembuatan establishment of liquidity risk limits.
kebijakan dan penetapan limit risiko likuiditas.
Pengungkapan kuantitatif pengelolaan risiko likuiditas sebagai Quantitative disclosure of liquidity risk management is as follows.
berikut.
1. Profil Maturitas Rupiah selengkapnya disajikan dalam 1. The complete Rupiah Maturity Profile is presented in Table 8.1.
Tabel 8.1.
2. Profil Maturitas Valas selengkapnya disajikan dalam Tabel 8.2. 2. The complete Forex Maturity Profile is presented in Table 8.2.
Rasio Hukum Legal Ratio
Proses pengendalian risiko hukum dilakukan dengan cara Legal risk management is conducted through regular reviews
melakukan review secara berkala terhadap setiap kontrak dan of all contracts and agreements between the Bank and third
perjanjian antara Bank dengan pihak lain dengan cara melakukan parties, including reassessing the effectiveness of enforceability
penilaian kembali terhadap efektivitas proses enforceability untuk processes to ensure the validity of rights under the established
memastikan validitas hak dalam kontrak dan perjanjian yang telah contracts and agreements. Legal risk identification is carried out
dibuat. Identifikasi risiko hukum dilakukan pada seluruh aktivitas across all activities, including fund raising and provision, treasury
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penghimpunan dan penyediaan dana, treasury dan investasi, and investment, operations and services, information system
operasional dan jasa, teknologi sistem informasi, dan pengelolaan technology, and human resource management. Any event with the
sumber daya manusia. Setiap kejadian yang berpotensi potential to generate legal risk is documented and administered,
menimbulkan risiko hukum, ditatausahakan dan diadministrasikan, not only to assess the level of legal risk faced by the Bank but also
selain untuk menilai tingkat risiko hukum yang dihadapi Bank, to serve as a learning opportunity for each case and to anticipate
juga sebagai pembelajaran atas tiap kasus yang terjadi dan untuk potential claims or litigation. The Corporate Legal Work Unit is
mengantisipasi kemungkinan adanya tuntutan atau litigasi. Unit responsible for managing the bank’s legal risk.
Kerja Corporate Legal bertanggung jawab terhadap pengelolaan
risiko hukum Bank.
Risiko Stratejik Strategic Risk
Strategi pengembangan usaha Bank dilakukan melalui optimalisasi The Bank’s business development strategy is carried out through
kantor-kantor cabang dan juga pembukaan kantor cabang baru, the optimization of branch offices and the opening of new
pengembangan produk digital dan aktivitas sebagai Bank Devisa. branches, the development of digital products, and activities
Saat ini, Bank telah melaksanakan aktivitas sebagai sub agen as a Foreign Exchange Bank. Currently, the Bank operates as a
Obligasi Ritel Indonesia (ORI) dan Sukuk Retail, serta sebagai sub-agent for Indonesian Retail Bonds (ORI) and Retail Sukuk, as
penyalur KUR sehingga telah menambah aktivitas layanan Bank. well as a distributor of People’s Business Credit (KUR), thereby
Pengembangan produk digital banking, seperti Layanan Perbankan expanding its service offerings. The development of digital banking
Digital dan pengembangan produk lainnya saat ini sedang disiapkan products, such as Digital Banking Services and other new products,
dengan tujuan untuk meningkatkan fee based income. Sementara is being prepared to increase fee-based income. Meanwhile, other
itu, rencana stratejik Bank lainnya, seperti aktivitas Bank Persepsi strategic plans, such as the Collection Bank initiative, are still in
yang hingga saat ini masih dalam proses implementasi setelah the implementation process following recommendations from the
mendapatkan rekomendasi dari Otoritas Jasa Keuangan. Financial Services Authority.
Bank melakukan ekspansi pemberian kredit dengan menerapkan The Bank is expanding its credit offerings by applying the principle
prinsip kehati-hatian untuk meningkatkan pendapatan bunga, dan of prudence to increase interest income, while also managing the
berupaya mengelola pertumbuhan DPK untuk dapat menekan biaya growth of customer funds (TPF) to significantly reduce funding
dana secara signifikan yang pada akhirnya dapat meningkatkan costs, ultimately improving the bank’s net interest margin (NIM)
rasio net interest margin (NIM) Bank. Untuk mengendalikan risiko ratio. To control strategic risk, the Bank’s Business Plan (RBB)
stratejik, RBB disusun secara konservatif dan realistis yang secara is prepared in a conservative and realistic manner, aiming for
optimal bisa dicapai dengan mempertimbangkan kelebihan dan optimal achievement by considering the Bank’s strengths and
kelemahan Bank, serta kemampuan sumber daya, baik sumber daya weaknesses, as well as the available resources, including financial,
financial, infrastruktur, dan sumber daya manusia yang dimiliki. infrastructure, and human resources. To minimize deviations in
Untuk meminimalkan terjadinya penyimpangan pelaksanaan RBB, the execution of the RBB, communication has been made at all
telah dilakukan komunikasi kepada setiap jenjang organisasi, baik organizational levels, both during the planning phase and during
pada saat penyusunan rencana dan pada saat review pelaksanaan periodic reviews of its implementation. Strategic risk control is
yang dilakukan secara berkala. Pengendalian risiko stratejik juga also carried out by monitoring the bank’s performance, which
dilakukan dengan memantau atas kinerja bank yang merupakan reflects the results of executing the business strategy and the
hasil dari pelaksanaan strategi usaha maupun RBB. Proses RBB. Monitoring is conducted regularly through the management
pemantauan dilakukan secara berkala melalui sistem informasi information system, which provides reports for decision-making by
manajemen yang menyediakan laporan dalam rangka pengambilan the bank’s management.
keputusan oleh Manajemen Bank.
Risiko Kepatuhan Compliance Risk
Pengendalian risiko kepatuhan dilakukan untuk meminimalkan Compliance risk control is carried out to minimize the possibility of
kemungkinan dampak negatif dari aktivitas Bank yang negative impacts from Bank activities that deviate from laws and
menyimpang dari peraturan perundangan-undangan, ketentuan, regulations, provisions and generally accepted standards. To ensure
dan standar yang berlaku umum. Untuk menjaga agar setiap that every activity of the Bank always complies with the applicable
aktivitas Bank senantiasa patuh kepada peraturan perundang- laws and regulations, routine socialization and dissemination of
undangan dan ketentuan yang berlaku, secara rutin telah dilakukan regulations has been carried out (through training and issuance of
sosialisasi dan diseminasi peraturan-peraturan (melalui training memorandums) to all relevant work units so that each regulation
dan pengeluaran memorandum) ke seluruh unit kerja terkait can be understood and implemented correctly. To raise awareness
agar setiap peraturan dapat dipahami dan dilaksanakan dengan of all employees on the importance of compliance with rules and
benar. Untuk menumbuhkan kesadaran seluruh karyawan akan regulations, a compliance charter has been prepared as a guide for
pentingnya kepatuhan terhadap ketentuan dan peraturan, telah all parties within Bank INA’s organization and has been formally
disusun compliance charter sebagai guidance bagi semua pihak enforced. In order to ensure the Bank’s operational compliance with
dalam organisasi Bank INA dan telah diberlakukan secara formal. all applicable regulations and laws, it is essential to ensure that
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Untuk memastikan kepatuhan operasional Bank terhadap seluruh all systems and operational procedures comply with the relevant
ketentuan dan peraturan yang melingkupinya, maka harus regulatory requirements. As a result, a quality assurance policy and
dipastikan bahwa seluruh sistem dan prosedur operasional telah procedure have been put in place, which includes an assessment
memenuhi ketentuan dan peraturan otoritas yang berlaku. Oleh process by the Compliance Unit for each system, procedure,
karena itu, telah dilakukan quality assurance policy and procedure, or internal policy that has been issued or is about to be issued.
yaitu proses assessment terhadap kebijakan dan prosedur internal This way, any potential non-compliance with regulations can be
yang dilakukan oleh Satuan Kerja Kepatuhan terhadap setiap detected and rectified. As a publicly listed company, the Bank must
sistem, prosedur, atau kebijakan internal yang akan atau sudah comply with capital market regulations. To achieve this, the Bank
dikeluarkan. Dengan demikian, setiap potensi ketidakpatuhan has optimized the function of the Corporate Secretary, ensuring that
Bank terhadap ketentuan atau peraturan perundang-undangan the monitoring process and fulfillment of the bank’s obligations and
dapat dideteksi dan diperbaiki. Sebagai perusahaan terbuka, commitments to the relevant authorities are carried out effectively.
Bank harus mengakomodir ketentuan dan regulasi di bidang pasar
modal, untuk itu Bank telah mengoptimalkan fungsi Sekretaris
Perusahaan, sehingga proses monitoring dan pemenuhan
kewajiban dan komitmen-komitmen Bank terhadap otoritas terkait
dapat dijalankan dengan baik.
Selain itu, pengendalian risiko kepatuhan dilakukan dengan In addition, compliance risk control is carried out by compiling
penyusunan Code of Conduct yang berisi etika yang harus ditaati a Code of Conduct which contains ethics that must be obeyed by
oleh setiap karyawan agar perilaku organisasi tidak menyimpang every employee so that organizational behavior does not deviate
dari standar. Kepatuhan terhadap peraturan perundang-undangan from the standard. Compliance with the applicable laws and
yang berlaku diuraikan sebagai berikut. regulations is described as follows.
1. Untuk menumbuhkan kesadaran seluruh karyawan akan 1. To raise awareness of all employees on the importance of
pentingnya kepatuhan terhadap ketentuan dan peraturan, telah compliance with rules and regulations, a compliance charter
disusun compliance charter sebagai guidance bagi semua pihak has been prepared as a guide for all parties within Bank INA’s
dalam organisasi Bank INA dan telah diberlakukan secara formal. organization and has been formally enforced.
2. Satuan Kerja Kepatuhan yang bersifat independen terhadap 2. Compliance Work Unit which is independent from the
Satuan Kerja Operasional dalam melaksanakan Fungsi Kepatuhan. Operational Work Unit in carrying out the Compliance Function.
3. Telah dilakukan quality assurance policy and procedure, yaitu 3. A quality assurance policy and procedure has been carried
proses assessment terhadap kebijakan dan prosedur internal out, namely an assessment process of internal policies and
yang dilakukan oleh Fungsi Kepatuhan terhadap setiap sistem, procedures carried out by the Compliance Function for each
prosedur, atau kebijakan internal yang akan atau sudah internal system, procedure or policy that will be or has been
dikeluarkan. issued.
4. Upaya untuk memastikan terpenuhinya ketentuan yang 4. Efforts to ensure the fulfillment of the provisions that apply in
berlaku dalam aktivitas transaksi jumlah nominal besar juga transaction activities of large nominal amounts have also been
telah dilakukan dengan mewajibkan adanya uji kepatuhan bagi carried out by requiring a compliance test for granting credit
pemberian fasilitas kredit dengan nominal di atas Rp10 miliar. facilities with a nominal value of more than Rp10 billion.
5. Agar perilaku organisasi tidak menyimpang dari standar, telah 5. In order to make the organizational behavior does not deviate
dibuat Code of Conduct yang berisi etika yang harus dilakukan from the standard, a Code of Conduct has been created which
oleh setiap karyawan. contains the ethics that must be carried out by every employee.
Risiko Reputasi Reputation Risk
Dalam meningkatkan pelayanan terhadap nasabah, telah To enhance customer service, officers have been designated to
ditunjuk pejabat yang berfungsi dalam melayani penyelesaian handle customer complaints, and procedures for their resolution
pengaduan nasabah dan dibuatkan prosedur pelaksanaannya. have been established. To improve service standards, the Bank
Untuk meningkatkan standar pelayanan nasabah, Bank telah has policies and mechanisms for customer service, protection,
memiliki kebijakan dan mekanisme pelayanan, perlindungan dan and complaint resolution, as well as policies on the transparency
penyelesaian pengaduan nasabah, serta kebijakan transparansi of personal data usage. Customer service improvements are
penggunaan data pribadi nasabah. Peningkatan layanan nasabah also made through the implementation of banking transaction
juga dilakukan melalui upaya penerapan otomatisasi transaksi automation (digital banking). Meanwhile, in operations, the core
perbankan (digital banking). Sementara itu, dalam bidang banking system is functioning well, and service disruptions have
operasional, core banking system, telah berjalan dengan baik dan been minimized.
gangguan layanan nasabah telah dapat diminimalkan.
Kepercayaan dan keyakinan masyarakat terhadap kondisi Bank The public’s trust and confidence in the Bank’s condition are
cukup baik tercermin dari harga saham PT Bank Ina Perdana Tbk reflected in the stock price of PT Bank Ina Perdana Tbk on the stock
di bursa saham sepanjang 3 bulan terakhir tahun 2024 dengan exchange during the last three months of 2024, with a lowest price
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harga terendah sebesar Rp3.950,- dan tertinggi sebesar Rp4.300,- of Rp3,950 and a highest price of Rp4,300. At the end of the reporting
dan pada periode akhir laporan ditutup pada harga Rp4.190,- per period, the stock closed at Rp4,190 per share.
lembar saham.
Pelaksanaan manajemen risiko reputasi dilakukan dengan upaya Reputational risk management is carried out through efforts
mencegah/meminimalkan terjadinya kejadian-kejadian yang to prevent or minimize incidents that could damage the Bank’s
dapat menurunkan reputasi Bank, antara lain melalui pelaksanaan reputation, including the implementation of a Corporate Social
Program Corporate Social Responsibility (CSR), mengelola Responsibility (CSR) program, managing transparency, maintaining
keterbukaan informasi, melakukan komunikasi secara rutin dengan regular communication with stakeholders, ensuring the quality
pemangku kepentingan, penjagaan kualitas produk dan layanan, of products and services, and upholding business ethics in
penjagaan etika bisnis dalam pelaksanaan transaksi, baik dengan transactions, both with customers and in the money market. In
nasabah maupun transaksi di pasar uang. Setiap terjadi keluhan the event of customer complaints, the Bank strives to respond and
nasabah, Bank berupaya menanggapi dan menindaklanjuti secara follow up promptly through the contact center and work units/
cepat melalui contact centre dan unit/divisi kerja di kantor pusat divisions at the head office and branches, which are designated
maupun cabang-cabang yang telah difungsikan untuk mengelola to handle and resolve customer complaints in accordance with
dan menyelesaikan pengaduan nasabah sesuai dengan ketentuan regulations on customer protection/complaints.
mengenai perlindungan/pengaduan nasabah.
Dalam rangka menjaga reputasi, Bank juga berupaya menjaga In order to maintain its reputation, the Bank also strives to ensure
transparansi produk dan jasa dengan pemberian informasi secara transparency of products and services by providing accurate
benar tentang manfaat dan risiko produk dan jasa yang ditawarkan information about the benefits and risks of the products and
kepada masyarakat. Setiap kejadian yang terkait dengan risiko reputasi services offered to the public. Any events related to reputational risk
dicatat dan ditatausahakan sehingga dapat menjadi pelajaran di masa are recorded and documented to provide valuable lessons for the
datang dan untuk memproyeksikan potensi kerugian yang mungkin future, assist in estimating potential losses, and identify necessary
timbul dan langkah-langkah pencegahan yang harus dilakukan. preventive actions. As a publicly listed company, the Bank
Sebagai perusahaan terbuka, Bank menerapkan prinsip keterbukaan adheres to the principle of transparency by disclosing significant
informasi dengan menyampaikan informasi yang bersifat signifikan information to the public. The management of this information is
kepada masyarakat. Pengelolaan informasi tersebut menjadi tugas the responsibility of the Corporate Secretary.
dan tanggung jawab Sekretaris Perusahaan.
Konglomerasi Keuangan Financial Conglomeration
Mengacu pada Peraturan Otoritas Jasa Keuangan Referring to the Financial Services Authority Regulation
No. 45/POJK.03/2020 mengenai Konglomerasi Keuangan, PT Bank No. 45/POJK.03/2020 on Financial Conglomerates, PT Bank
Ina Perdana Tbk memiliki Pemegang Saham Pengendali, yaitu Ina Perdana Tbk has a Controlling Shareholder, PT Indolife
PT Indolife Pensiontama, sedangkan Pemegang Saham Pengendali Pensiontama, while the Ultimate Controlling Shareholder is
Terakhir adalah Bapak Anthoni Salim. Hingga tahun 2024, Bank INA Mr. Anthoni Salim. Until 2024, Bank INA is not yet included in the
belum termasuk dalam kategori konglomerasi keuangan karena category of a financial conglomerate because the related business
grup usaha yang terkait belum memiliki total aset yang mencapai group does not yet have total assets reaching Rp100 trillion.
Rp100 triliun.
Pengungkapan Rencana Aksi Pemulihan Disclosure of Recovery Action Plan
(Recovery Plan)
Sesuai dengan Peraturan Otoritas Jasa Keuangan No. 5 Tahun In accordance with Financial Services Authority Regulation
2024 tentang Penetapan Status Pengawasan dan Penanganan No. 5 of 2024 concerning the Determination of Supervisory Status
Permasalahan Bank Umum, Bank telah menyusun Rencana Aksi and Resolution of Problems in Commercial Banks, the Bank
Pemulihan (Recovery Plan). Rencana ini disusun untuk meningkatkan has prepared a Recovery Action Plan. This plan is designed to
ketahanan Bank terhadap risiko gagal dan meminimalkan dampak strengthen the Bank’s resilience against the risk of failure and
negatif terhadap stabilitas sistem keuangan. Rencana aksi ini to minimize negative impacts on the stability of the financial
bertujuan untuk merespons tekanan keuangan atau tekanan system. The objective of the recovery action plan is to respond to
ekonomi (financial stress) yang mungkin dialami oleh Bank dengan financial or economic stress that may be experienced by the Bank
menjalankan satu atau beberapa opsi pemulihan guna memulihkan by implementing one or more recovery options to restore financial
kondisi keuangan serta menjaga kelangsungan usaha (viability). condition and ensure business continuity (viability).
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Rencana aksi dikaji secara berkala dan disesuaikan dengan The recovery plan is reviewed regularly and adjusted in
ketentuan serta peraturan yang berlaku. Rencana ini telah tercatat accordance with applicable laws and regulations. It has been
dalam administrasi pengawasan Otoritas Jasa Keuangan dan recorded in the supervisory administration of the Financial Services
memperoleh persetujuan dari Pemegang Saham Pengendali, serta Authority and approved by the Controlling Shareholder, and will
akan disampaikan dalam RUPS PT Bank Ina Perdana Tbk. be presented at the General Meeting of Shareholders (RUPS) of
PT Bank Ina Perdana Tbk.
Opsi Pemulihan (Recovery Plan) Recovery Options (Recovery Plan)
1. Opsi Pemulihan untuk Aspek Permodalan 1. Recovery Options for Capital
Beberapa opsi yang dapat dijalankan antara lain: Several options that may be implemented include:
a. Menerbitkan obligasi subordinasi; a. Issuing subordinated bonds;
b. Melakukan efisiensi modal dengan mengurangi aktivitas b. Improving capital efficiency by reducing less profitable
bisnis yang kurang menguntungkan namun banyak business activities that place a significant burden on
membebani modal (capital expenditure/CAPEX); capital (capital expenditure/CAPEX);
c. Tidak melakukan pembagian dividen kepada Pemegang c. Suspending dividend distribution to Shareholders;
Saham;
d. Restrukturisasi kewajiban kepada Pemegang Saham, d. Restructuring obligations to Shareholders, including:
termasuk:
1) Pinjaman kepada Pemegang Saham; 1) Loans to Shareholders;
2) Konversi pinjaman menjadi modal; 2) Converting loans into equity;
e. Melaksanakan right issue; e. Conducting a rights issue;
f. Melelang aset jaminan; serta f. Auctioning collateral assets; and
g. Menambah modal disetor dengan melibatkan pihak ketiga. g. Increasing paid-in capital by involving third parties.
2. Opsi Pemulihan untuk Aspek Likuiditas 2. Recovery Options for Liquidity
Opsi pemulihan yang dapat ditempuh meliputi: Recovery options that may be pursued include:
a. Meninjau ulang tingkat suku bunga DPK dan kredit; a. Reviewing interest rates on third-party funds (DPK) and loans;
b. Melakukan repo atas surat berharga yang dimiliki; b. Conducting repos of owned securities;
c. Meningkatkan pinjaman jangka pendek (interbank call money) c. Increasing short-term borrowing (interbank call money)
serta memperoleh fasilitas kredit baru dari counterparty; and obtaining new credit facilities from counterparties;
d. Meningkatkan pendanaan valas melalui currency swap d. Increasing foreign currency funding through currency
ketika likuiditas rupiah dalam kondisi sehat; swaps when rupiah liquidity is in a healthy condition;
e. Meningkatkan upaya pemasaran untuk menjaga e. Enhancing marketing efforts to ensure the continuity of
keberlangsungan DPK; DPK;
f. Menerbitkan surat utang jangka panjang; f. Issuing long-term debt instruments;
g. Membatasi ekspansi kredit baru; g. Limiting new loan expansion;
h. Melarang perpanjangan kredit kepada debitur, termasuk h. Prohibiting loan renewals to debtors, including renewals
renewal dan temporary extension; and temporary extensions;
i. Meningkatkan DPK dari pihak terafiliasi; i. Increasing DPK from affiliated parties;
j. Menjual aset surat berharga untuk menutupi kekurangan j. Selling securities to cover liquidity shortfalls;
likuiditas;
k. Mengajukan Pinjaman Likuiditas Jangka Pendek (PLJP) k. Submitting a Short-Term Liquidity Loan (PLJP) request to
kepada Bank Indonesia; Bank Indonesia;
l. Mengaktifkan satuan tugas krisis likuiditas (Contingency l. Activating the liquidity crisis task force (Contingency
Funding Plan/CFP Team); serta Funding Plan/CFP Team); and
m. Mengajukan penempatan dana kepada Lembaga Penjamin m. Submitting a fund placement request to the Indonesia
Simpanan. Deposit Insurance Corporation (LPS).
3. Opsi Pemulihan untuk Aspek Rentabilitas 3. Recovery Options for Profitability
Upaya pemulihan rentabilitas dapat mencakup: Profitability recovery efforts may include:
a. Melakukan efisiensi biaya operasional, seperti cost cutting a. Improving operational efficiency through cost cutting and
dan penghentian aktivitas yang tidak menguntungkan; discontinuation of unprofitable activities;
b. Menurunkan suku bunga kredit secara selektif; b. Selectively reducing lending interest rates;
c. Meningkatkan penyaluran kredit; c. Increasing loan disbursement;
d. Menempatkan dana pada instrumen pasar uang yang d. Placing funds in money market instruments that provide
memberikan imbal hasil tinggi, seperti pembelian obligasi high returns, such as purchasing corporate bonds with a
korporasi dengan peringkat minimal A; minimum rating of A;
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e. Menghentikan aktivitas bisnis yang merugikan; e. Discontinuing loss-generating business activities;
f. Menutup lini bisnis yang tidak menguntungkan; serta f. Shutting down unprofitable business lines; and
g. Mengurangi jumlah tenaga kerja. g. Reducing the number of employees.
4. Opsi Pemulihan untuk Aspek Kualitas Aset 4. Recovery Options for Asset Quality
Beberapa langkah yang dapat ditempuh antara lain: everal measures that may be taken include:
a. Memperkuat proses pemberian kredit dan meningkatkan a. Strengthening the credit granting process and improving
kualitas SDM dalam pembelian surat berharga korporasi; human resource quality in the purchase of corporate securities;
b. Meningkatkan penyaluran kredit berkualitas baik; b. Increasing the disbursement of high-quality loans;
c. Menerapkan teknik mitigasi risiko; c. Applying risk mitigation techniques;
d. Melakukan pengawasan dan menerapkan Early Warning d. Conducting monitoring and implementing an Early
System (EWS) terhadap: Warning System (EWS) for:
1) Debitur dengan kualitas kredit rendah (KKR) agar tidak 1) Debtors with low credit quality (KKR) to prevent
menjadi NPL; deterioration into NPL;
2) Debitur dalam kategori loans at risk (LaR) agar tidak 2) Debtors classified as loans at risk (LaR) to prevent
menjadi NPL; deterioration into NPL;
e. Menjual kredit yang berpotensi bermasalah; e. Selling potentially problematic loans;
f. Merestrukturisasi kredit bagi debitur yang mengalami f. Restructuring loans for debtors experiencing payment
kesulitan pembayaran; difficulties;
g. Menghentikan sementara pemberian kredit secara selektif g. Temporarily suspending loan disbursement selectively
kepada sektor dengan NPL tinggi (berdasarkan industri, for sectors with high NPLs (based on industry, location,
lokasi, atau segmentasi); or segment);
h. Melelang aset jaminan; serta h. Auctioning collateral assets; and
i. Menghapus buku atas kredit macet atau aset produktif i. Writing off non-performing loans or non-collectible
yang tidak dapat ditagih. productive assets.
Bank INA telah menetapkan trigger level untuk masing-masing Bank INA has established trigger levels for each of the recovery
indikator opsi pemulihan tersebut. Opsi-opsi tersebut hanya akan option indicators. These options will only be implemented if the
dijalankan apabila Bank menghadapi krisis keuangan yang ekstrem, Bank faces an extreme financial crisis and its capital, liquidity,
dan kondisi permodalan, likuiditas, rentabilitas, atau kualitas aset profitability, or asset quality has fallen below the predetermined
telah melewati trigger level yang ditetapkan. trigger levels.
Komunikasi Saat Implementasi Rencana Aksi Communication During the Implementation of
(Recovery Plan) the Recovery Plan
Apabila Bank INA mengimplementasikan opsi pemulihan If Bank INA implements recovery options as previously described
sebagaimana dijelaskan sebelumnya dalam rangka mengatasi to address financial issues and restore its financial condition,
permasalahan dan memulihkan kondisi keuangan, maka Bank akan the Bank will execute a coordinated communication strategy as
menjalankan strategi komunikasi yang terkoordinasi sebagai berikut. follows:
1. Melakukan komunikasi secara menyeluruh kepada pihak 1. Conducting comprehensive communication with internal
internal dan/atau eksternal dengan pendekatan yang and/or external parties using a comprehensive approach.
komprehensif.
2. Menyampaikan informasi kepada para pemangku kepentingan 2. Delivering information to stakeholders regarding the Bank’s
terkait kondisi dan langkah pemulihan yang diambil. condition and the recovery measures undertaken.
3. Mengkoordinasikan komunikasi internal melalui Divisi 3. Coordinating internal communication through the Marketing
Marketing Communication, Divisi Human Capital, dan divisi Communication Division, Human Capital Division, and other
terkait lainnya. relevant divisions.
4. Mengkoordinasikan komunikasi eksternal melalui Departemen 4. Coordinating external communication through the Corporate
Corporate Secretary dan divisi bisnis terkait, guna memastikan Secretary Department and relevant business divisions to ensure
bahwa informasi yang disampaikan melalui situs web, RUPS, that information disseminated via the website, general meeting
maupun media lainnya tersaji secara akurat, terpadu, dan of shareholders (GMS), or other media is accurate, consistent,
mudah dipahami oleh pihak eksternal. and easily understood by external parties.
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Tabel 1 Pengungkapan Kuantitatif Struktur Permodalan Bank Umum
Table 1 Quantitative Disclosure of Capital Structure of Commercial Bank
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Posisi Tanggal
Posisi Laporan Tahun
Tanggal Laporan Sebelumnya
Komponen Modal Position of Position at
Capital Component Reporting Date Reporting Date of
the Previous Year
Bank Bank
I. MODAL INTI (TIER 1)
3.475.186 3.471.368
CORE CAPITAL (TIER 1)
1 Modal Inti Utama
3.475.186 3.471.368
Common Equity Tier 1 (CET I)
1.1 Modal Disetor (Setelah dikurangi Saham Treasury)
613.472 613.472
Paid-in Capital (Net of Treasury Stock)
1.2 Cadangan Tambahan Modal
2.921.157 2.916.193
Disclosed Reserve
1.2.1 Faktor Penambah
3.022.512 2.944.318
Additional Factor
1.2.1.1 Pendapatan Kompherensif Lainnya
- 2.841
Other Comprehensive Income
1.2.1.1.1 Selisih Lebih Penjabaran Laporan Keuangan
- -
Excess Differences Arising from Translation of Financial Statement
1.2.1.1.2 Potensi Keuntungan dari peningkatan nilai wajar aset keuangan
yang diukur pada nilai wajar melalui penghasilan komprehensif
lain - 2.841
Potential Gain from an Increase in Fair Value of Financial Assets
Measured at Fair Value through Other Comprehensive Income
1.2.1.1.3 Saldo Surplus Revaluasi Aset Tetap
- -
Fixed Asset Revaluation
1.2.1.2 Cadangan Tambahan Modal Lainnya (Other Disclosed Reserves)
3.022.512 2.941.477
Other Disclosed Reserves
1.2.1.2.1 Agio 2.482.288 2.482.288
1.2.1.2.2 Cadangan Umum
106.571 64.995
General Reserves
1.2.1.2.3 Laba Tahun-Tahun Lalu
352.619 186.318
Previous Years Profit
1.2.1.2.4 Laba Tahun Berjalan
81.034 207.876
Current Year Profit
1.2.1.2.5 Dana Setoran modal
- -
Capital Paid in Advance
1.2.1.2.6 Lainnya
- -
Others
1.2.2 Faktor Pengurang
(101.355) (28.124)
Deduction Factor
1.2.2.1 Pendapatan Kompherensif Lainnya
(21.962) -
Other Comprehensive Income
1.2.2.1.1 Selisih Kurang Penjabaran Laporan Keuangan
- -
Excess Differences Less from Translation of Financial Statement
1.2.2.1.2 Potensi Kerugian dari Penurunan Nilai Wajar Aset Keuangan yang
Diukur pada Nilai Wajar melalui Penghasilan Komprehensif Lain
(21.962) -
Potential Loss from a Decrease in Fair Value of Financial Assets
Measured at Fair Value through Other Comprehensive Income
1.2.2.2 Cadangan Tambahan Modal Lainnya (Other Disclosed Reserves)
(79.393) (28.124)
Other Disclosed Reserves
1.2.2.2.1 Disagio - -
1.2.2.2.2 Rugi Tahun-Tahun Lalu
- -
Previous Year Loss
1.2.2.2.3 Rugi Tahun Berjalan
- -
Current Year Loss
PT Bank Ina Perdana Tbk 185
Page 188
Tinjauan Pendukung Bisnis
Business Support Overview
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Posisi Tanggal
Posisi Laporan Tahun
Tanggal Laporan Sebelumnya
Komponen Modal Position of Position at
Capital Component Reporting Date Reporting Date of
the Previous Year
Bank Bank
1.2.2.2.4 Selisih Kurang antara Penyisihan Penghapusan Aset (PPA) dan
Cadangan Kerugian Penurunan Nilai (CKPN) atas Aset Produktif
(22.426) (13.516)
Differences Between Allowance for Possible Losses and Allowance
for Impairment Losses of Earning Assets
1.2.2.2.5 Selisih Kurang Jumlah Penyesuaian Nilai Wajar dari Instrumen
Keuangan dalam Trading Book
- -
Negative Differences on Adjustment of Fair Value on Financial
Instrument in the Trading Book
1.2.2.2.6 PPA Aset Non Produktif yang Wajib Dibentuk
(56.967) (14.608)
Allowance for Possible Losses on Non-Productive Assets
1.2.2.2.7 Lainnya
- -
Others
1.3 Kepentingan Non Pengendali yang Dapat Diperhitungkan
- -
Non-Controlling Interests that can be Calculated
1.4 Faktor Pengurang Modal Inti Utama
(59.444) (58.298)
Deduction Factor to Common Equity Tier 1
1.4.1 Perhitungan Pajak Tangguhan
(30.214) (32.717)
Deferred Tax Calculation
1.4.2 Goodwill - -
1.4.3 Aset Tidak Berwujud Lainnya
(29.229) (25.581)
Other Intangible Asset
1.4.4 Penyertaan yang Diperhitungkan sebagai Faktor Pengurang
- -
Investment that can be Calculated as Deduction Factor
1.4.5 Kekurangan Modal pada Perusahaan Anak Asuransi
- -
Shortage of Capital on Insurance Subsidiary Company
1.4.6 Eksposur Sekuritisasi
- -
Securitisation Exposures
1.4.7 Faktor Pengurang Modal Inti Lainnya
- -
Other Deduction Factor to Core Capital
1.4.7.1 Penempatan Dana pada Instrumen AT1 dan/atau Tier 2 pada Bank Lain
- -
Placement of Funds in AT1 and/or Tier 2 Instruments with Other Banks
1.4.7.2 Kepemilikan Silang Pada Entitas Lain yang Diperoleh Bedasarkan Peralihan
karena Hukum, Hibah, Hibah Wasiat
- -
Cross Ownership in Other Entities that is Obtained on a Basis of Transfer due
to the Law, Grants, Testament Grants
1.4.7.3 Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Settlement
(Settlement Risk) - Non Delivery Versus Payment
- -
Exposure that Causes Credit Risk due to Settlement Risk – Non-Delivery
Versus Payment
1.4.7.4 Eksposur di Perusahaan Anak yang Melakukan Kegiatan Usaha Berdasarkan
Prinsip Syariah (apabila ada)
- -
Exposure in Subsidiaries Conducting Business Activities based on Sharia
Principle (if any)
2 Modal Inti Tambahan (AT-1)
- -
Additional Tier 1 (AT 1)
2.1 Instrumen yang Memenuhi Persyaratan AT1
- -
The Instrument Meets the Requirements Of AT1
2.2 Agio/Disagio - -
186 PT Bank Ina Perdana Tbk
Page 189
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Posisi Tanggal
Posisi Laporan Tahun
Tanggal Laporan Sebelumnya
Komponen Modal Position of Position at
Capital Component Reporting Date Reporting Date of
the Previous Year
Bank Bank
2.3 Faktor Pengurang Modal Inti Tambahan
- -
Deduction Factors to Additional Tier
2.3.1 Penempatan Dana pada Instrumen AT1 dan/atau Tier 2 pada Bank Lain
- -
Placement of Funds in Instruments AT 1 and/or Tier 2 Other Banks
2.3.2 Kepemilikan Silang pada Entitas Lain yang Diperoleh Berdasarkan Peralihan karena
Hukum, Hibah, atau Wasiat
- -
Cross-Ownership in Another Entity Acquired by the Transition Because of the Law,
Grant, or Testament
II. MODAL PELENGKAP (TIER 2)
160.711 156.650
SUPPLEMENTARY CAPITAL (TIER 2)
1 Instrumen Modal dalam Bentuk Saham atau Lainnya yang Memenuhi Persyaratan Tier 2
- -
Capital Instrument in Form of Shares or Others which are Qualified Tier 2 Requirements
2 Agio atau Disagio
- -
Agio or Disagio
3 Cadangan Umum Aset Produktif PPA yang Wajib Dibentuk (Maks 1,25% ATMR Risiko Kredit)
170.717 166.656
General Allowance for Possible Losses of Earning Assets (Maximum 1.25% of RWA)
4 Faktor Pengurang Modal Pelengkap
(10.006) (10.006)
Deduction Factor to Supplementary Capital
4.1 Sinking Fund - -
4.2 Penempatan Dana pada Instrumen Tier 2 pada Bank Lain
(10.006) (10.006)
Placement of Funds in Tier 2 Instruments with Other Banks
4.3 Kepemilikan Silang pada Entitas Lain yang Diperoleh Berdasarkan Peralihan karena Hukum,
Hibah, atau Wasiat
- -
Cross-Ownership in Another Entity Acquired by the Transition Because of the Law, Grants,
or Grants Will
III. FAKTOR PENGURANG MODAL BERUPA EKSPOSUR YANG MENIMBULKAN RISIKO KREDIT AKIBAT
KEGAGALAN SETTLEMENT (SETTLEMENT RISK) - NON DELIVERY VERSUS PAYMENT
- -
DEDUCTION OF CAPITAL IN THE FORM OF EXPOSURES THAT CAUSE CREDIT RISK DUE TO
SETTLEMENT RISK - NON DELIVERY VERSUS PAYMENT
IV. FAKTOR PENGURANG MODAL BERUPA EKSPOSUR DI PERUSAHAAN ANAK YANG MELAKUKAN
KEGIATAN USAHA BERDASARKAN PRINSIP SYARIAH (APABILA ADA)
- -
DEDUCTION OF CAPITAL IN THE FORM OF EXPOSURE IN SUBSIDIARIES CONDUCTING BUSINESS
ACTIVITIES BASED ON SHARIA PRINCIPLES (IF ANY)
Total Modal
3.635.896 3.628.018
Total Capital
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
31-Des-24 Keterangan 31-Des-24 31-Des-23
31-Dec-24 Description 31-Dec-24 31-Dec-23
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
Risk Weighted Asset CAR Ratio
ATMR Risiko Kredit Rasio CET 1 (%)
13.652.160 24,00% 24,53%
RWA Credit Risk CET 1 Ratio (%)
ATMR Risiko Pasar Rasio Tier 1 (%)
35.533 24,00% 24,53%
RWA Market Risk Tier 1 Ratio (%)
ATMR Risiko Operasional Rasio Tier 2 (%)
789.946 1,11% 1,11%
RWA Operating Risk Tier 2 Ratio (%)
TOTAL ATMR Rasio KPMM (%)
14.477.638 25,11% 25,63%
Total RWA KPPM Ratio (%)
*) Rasio KPMM sesuai Profil Risiko (%) CET 1 Untuk Buffer (%)
9,00% 16,11% 16,63%
CAR Ratio based on Risk Profile (%) CET 1 for Buffer (%)
PT Bank Ina Perdana Tbk 187
Page 190
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 1.1 Pengungkapan Tagihan Bersih berdasarkan Wilayah - Bank secara Individual
Table 1.1 Disclosure of Net Receivables by Area - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih berdasarkan Wilayah
No. Kategori Portofolio
Net Receivables by Area
Luar Jawa
Jabar Banten DKI DIY Jateng Jatim
Outside Java
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1 Tagihan kepada Pemerintah - - 6.320.338 - - - -
2 Tagihan kepada Entitas Sektor Publik - - - - - - -
Tagihan kepada Bank Pembangunan
3 - - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank 8.648 - 1.418.646 - - - 729
5 Tagihan berupa Covered Bond - - - - - - -
Tagihan kepada Perusahaan Efek dan
6 - 16.044 528.397 - 75.589 - 165.102
Lembaga Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang
7 Subordinasi, Ekuitas, dan Instrumen - - - - - - -
Modal Lainnya
8 Kredit Beragun Rumah Tinggal 1.104 56.001 21.593 - 4.649 26.340 12.090
9 Kredit Beragun Properti Komersial - - - - - - -
Kredit untuk Pengadaan Tanah,
10 - - - - - - -
Pengolahan Tanah, dan Konstruksi
11 Kredit Pegawai/Pensiunan - - - - - - -
Tagihan kepada Usaha Mikro, Usaha
12 103.609 52.594 104.439 18.295 27.203 25.477 64.428
Kecil, dan Portofolio Ritel
13 Tagihan kepada Korporasi 1.479.572 844.829 6.379.104 544.047 948.972 2.425.061 1.203.954
14 Tagihan yang Telah Jatuh Tempo 2.017 13.812 167.808 4.897 63.051 22.899 14.416
15 Aset Lainnya - - 919.645 - - - -
Total 1.594.950 983.280 15.859.969 567.239 1.119.464 2.499.777 1.460.718
Tabel 1.2 Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table 1.2 Disclosure of Net Receivables by Contractual Maturity - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
No. Kategori Portofolio
Net Receivables by Contractual Maturity
<=1 tahun >1 s.d. 3 tahun >3s.d. 5 tahun > 5 tahun Non
Total
<=1 year >1 s.d. 3 year >3s.d. 5 year > 5 year Contractual
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan kepada Pemerintah 3.603.698 29.423 137.480 1.346.730 1.203.006 6.320.338
2 Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan
3 - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank 82.552 176.446 729 8.648 1.159.649 1.428.023
5 Tagihan berupa Covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan
6 428.300 272.200 71.722 12.908 - 785.131
Lembaga Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang
7 Subordinasi, Ekuitas, dan Instrumen - - - - - -
Modal Lainnya
8 Kredit Beragun Rumah Tinggal 960 2.166 5.071 113.579 - 121.776
9 Kredit Beragun Properti Komersial - - - - - -
Kredit untuk Pengadaan Tanah,
10 - - - - - -
Pengolahan Tanah, dan Konstruksi
11 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil,
12 197.281 72.985 87.826 37.953 - 396.044
dan Portofolio Ritel
13 Tagihan kepada Korporasi 7.091.676 2.382.836 1.219.620 3.131.406 - 13.825.538
14 Tagihan yang Telah Jatuh Tempo 185.949 71.174 4.720 27.057 - 288.900
15 Aset Lainnya - - - - 919.645 919.645
188 PT Bank Ina Perdana Tbk
Page 191
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of Previous Year
Tagihan Bersih berdasarkan Wilayah
Portfolio Category
Net Receivables by Area
Luar Jawa
Jabar Banten DKI DIY Jateng Jatim
Outside Java
(10) (11) (12) (13) (14) (15) (16) (2)
- - 4.467.941 - - - - Receivables on Sovereigns
- - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - - -
Banks and International Institutions
9.227 - 2.019.431 - - - - Receivables on Banks
- - - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other
- - - - - - -
Financial Services Institutions
Receivables on Multilateral Development
- - - - - - -
Banks and International Institutions
2.329 - 35.353 - 3.449 41.625 19.995 Loans Secured by Residential Property
- - - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land
- - - - - - -
Processing, and Construction
- - - - - - - Employee/Retired Loans
Receivables on Micro, Small Business, and
286.263 - 1.569.509 85.279 127.231 223.058 659.610
Retail Portfolio
1.193.864 - 2.961.876 389.169 845.435 2.054.795 687.727 Receivables on Corporate
- - 599 - - 27.499 - Past Due Receivables
- - 395.661 - - - - Other Assets
1.491.683 - 11.450.370 474.448 976.115 2.346.976 1.367.333 Total
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of Previous Year
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
Portfolio Category
Net Receivables by Contractual Maturity
<=1 tahun >1 s.d. 3 tahun >3s.d. 5 tahun > 5 tahun Non
Total
<=1 year >1 s.d. 3 year >3s.d. 5 year > 5 year Contractual
(9) (10) (11) (12) (13) (14) (2)
196.162 47.515 18.311 962.787 3.243.167 4.467.941 Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - -
Banks and International Institutions
1.605.261 209.270 26.888 9.227 178.900 2.029.545 Receivables on Banks
- - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other
- - - - - -
Financial Services Institutions
Receivables on Multilateral Development
- - - - - -
Banks and International Institutions
547 4.542 2.397 157.650 - 165.136 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land
Processing, and Construction
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business, and
1.523.496 491.133 357.664 777.587 - 3.149.880
Retail Portfolio
5.280.991 1.857.216 2.143.201 2.424.048 - 11.705.457 Receivables on Corporate
181.015 27.688 3.149 69.959 - 281.811 Past Due Receivables
- - - - 395.661 395.661 Other Assets
PT Bank Ina Perdana Tbk 189
Page 192
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 1.3 Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank secara Individual
Table 1.3 Disclosure of Net Receivables by Economic Sectors - Bank Only
Tagihan kepada
Bank Pembangunan
Tagihan kepada Multilateral
Kredit Beragun
Tagihan kepada Entitas Sektor dan Lembaga Tagihan kepada
Rumah Tinggal
Pemerintah Publik Internasional Bank
No. Sektor Ekonomi Loans Secured
Receivables Receivables on Receivables on Receivables
by Residential
on Sovereigns Public Sector Multilateral on Banks
Property
Entities Development Banks
and International
Institutions
(1) (2) (3) (4) (5) (6) (7)
Posisi Tanggal Laporan
Pertanian, Perburuan, dan
1 - - - - -
Kehutanan
2 Perikanan - - - - -
Pertambangan dan
3 - - - - -
Penggalian
4 Industri Pengolahan - - - - -
5 Listrik, Gas, dan Air - - - - -
6 Konstruksi - - - - -
Perdagangan Besar dan
7 - - - - -
Eceran
Penyediaan Akomodasi dan
8 - - - - -
Penyediaan Makan Minum
Transportasi Pergudangan
9 - - - - -
dan Komunikasi
10 Perantara Keuangan 6.320.338 - - 1.428.023 -
Real Estate, Usaha
11 Persewaan, dan Jasa - - - - -
Perusahaan
Administrasi Pemerintahan,
12 Pertahanan, dan Jaminan - - - - -
Sosial Wajib
13 Jasa Pendidikan - - - - -
Jasa Kesehatan dan
14 - - - - -
Kegiatan Sosial
Jasa Kemasyarakatan,
15 Sosial Budaya, Hiburan, dan - - - - -
Perorangan Lainnya
Jasa Perorangan yang
16 - - - - -
Melayani Rumah Tangga
Badan Internasional dan
17 Badan Ekstra Internasional - - - - -
Lainnya
Kegiatan yang Belum Jelas
18 - - - - -
Batasannya
19 Rumah Tangga - - - - 121.776
Bukan Lapangan Usaha
20 - - - - -
Lainnya
Total 6.320.338 - - 1.428.023 121.776
190 PT Bank Ina Perdana Tbk
Page 193
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Tagihan kepada
Kredit Beragun Usaha Mikro,
Tagihan yang
Properti Kredit Pegawai/ Usaha Kecil, dan Tagihan kepada
Telah Jatuh
Komersial Pensiunan Portofolio Ritel Korporasi Aset Lainnya
Tempo Economic Sectors
Loans Secured Employee/ Receivables on Receivables Other Assets
Past Due
by Commercial Retired Loans Micro, Small on Corporate
Receivables
Real Estate Business, and
Retail Portfolio
(8) (9) (10) (11) (12) (13) (2)
Position at Reporting Date
Agriculture, Hunting, and
- - 36.724 462.919 1.771 -
Forestry
- - - 116.517 - - Fishery
- - 1.653 584.722 - - Mining and Quarrying
- - 53.645 3.231.392 9.871 - Manufacturing
- - 6.957 119.151 - - Electricity, Gas, and Water
- - 16.158 750.497 22.691 - Construction
- - 78.194 2.497.292 151.827 - Wholesale and Retail Trading
Providence of
- - 1.710 862.419 1.186 - Accommodation and Food &
Beverage Services
Transportation,
- - 12.595 441.204 31.017 - Warehousing, and
Communications
- - - 2.444.694 - - Financial Intermediary
Real Estate, Rental,
- - 22.505 1.422.372 62.384 -
and Business Services
Government Administration,
- - - - - - Defense, and Compulsory
Social Security
- - 1.475 217.561 - Education Services
Human Health and Social
- - 7.609 92.297 -
Work Activities
Public, Socio-Culture,
- - 9.645 192.066 - Entertainment, and Other
Personal Services
Individual Services for
- - 470 - - -
Households
International Agencies and
- - - - - - Other International Extra
Agencies
Activities with Unclear
- - - - - -
Boundaries
- - 139.381 368.954 8.116 - Household
- - 7.325 21.481 37 919.645 Non Business Field
- - 396.044 13.825.538 288.900 919.645 Total
PT Bank Ina Perdana Tbk 191
Page 194
Tinjauan Pendukung Bisnis
Business Support Overview
Tagihan kepada
Bank Pembangunan
Tagihan kepada Multilateral
Kredit Beragun
Tagihan kepada Entitas Sektor dan Lembaga Tagihan kepada
Rumah Tinggal
Pemerintah Publik Internasional Bank
No. Sektor Ekonomi Loans Secured
Receivables Receivables on Receivables on Receivables
by Residential
on Sovereigns Public Sector Multilateral on Banks
Property
Entities Development Banks
and International
Institutions
(1) (2) (3) (4) (5) (6) (7)
Posisi Laporan Tahun Sebelumnya
Pertanian, Perburuan, dan
1 - - - - -
Kehutanan
2 Perikanan - - - - -
Pertambangan dan
3 - - - - -
Penggalian
4 Industri Pengolahan - - - - -
5 Listrik, Gas, dan Air - - - - -
6 Konstruksi - - - - -
Perdagangan Besar dan
7 - - - - -
Eceran
Penyediaan Akomodasi dan
8 - - - - -
Penyediaan Makan Minum
Transportasi Pergudangan
9 - - - - -
dan Komunikasi
10 Perantara Keuangan 4.467.941 - - 2.029.545 -
Real Estate, Usaha
11 Persewaan, dan Jasa - - - - -
Perusahaan
Administrasi Pemerintahan,
12 Pertahanan, dan Jaminan - - - - -
Sosial Wajib
13 Jasa Pendidikan - - - - -
Jasa Kesehatan dan Kegiatan
14 - - - - -
Sosial
Jasa Kemasyarakatan,
15 Sosial Budaya, Hiburan, dan - - - - -
Perorangan Lainnya
Jasa Perorangan yang
16 - - - - 165.136
Melayani Rumah Tangga
Badan Internasional dan
17 Badan Ekstra Internasional - - - - -
Lainnya
Kegiatan yang Belum Jelas
18 - - - - 148.165
Batasannya
19 Rumah Tangga - - - - 4.209
Bukan Lapangan Usaha
20 - - - - 12.066
Lainnya
Total 4.467.941 - - 2.029.545 329.575
192 PT Bank Ina Perdana Tbk
Page 195
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Tagihan kepada
Kredit Beragun Usaha Mikro,
Tagihan yang
Properti Kredit Pegawai/ Usaha Kecil, dan Tagihan kepada
Telah Jatuh
Komersial Pensiunan Portofolio Ritel Korporasi Aset Lainnya
Tempo Economic Sectors
Loans Secured Employee/ Receivables on Receivables Other Assets
Past Due
by Commercial Retired Loans Micro, Small on Corporate
Receivables
Real Estate Business, and
Retail Portfolio
(8) (9) (10) (11) (12) (13) (2)
PositionatReportingDateofthePreviousYear
Agriculture, Hunting, and
- - 298.257 283.184 - -
Forestry
- - - 72.273 - - Fishery
- - 257.946 527.218 3.000 - Mining and Quarrying
- - 275.426 2.609.665 15.250 - Manufacturing
- - 21.943 241.302 - - Electricity, Gas, and Water
- - 204.188 698.883 42.460 - Construction
- - 609.566 1.788.489 139.520 - Wholesale and Retail Trading
Providence of
- - 146.307 571.695 19.636 - Accommodation and Food &
Beverage Services
Transportation,
- - 259.710 509.061 - - Warehousing, and
Communications
- - 170.085 2.578.974 - - Financial Intermediary
Real Estate, Rental, and
- - 385.278 964.242 4.995 -
Business Services
Government Administration,
- - 209.625 51.974 - - Defence, and Compulsory
Social Security
- - 52.482 36.438 - Education Services
Human Health and Social
- - 37.680 153.499 -
Work Activities
Public, Socio-Culture,
- - 17.541 - - Entertainment, and Other
Personal Services
Individual Services for
- - 171.261 2.778 50.662 -
Households
International Agencies and
- - 32.586 - 6.289 - Other International Extra
Agencies
Activities with Unclear
- - 49.558 - 28.098 -
Boundaries
- - - - - - Household
- - 14.321 2.442 1.887 395.661 Non Business Field
- - 3.213.758 11.092.118 311.796 395.661 Toral
PT Bank Ina Perdana Tbk 193
Page 196
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 1.4 Pengungkapan Tagihan dan Pencadangan berdasarkan Wilayah - Bank secara Individual
Table 1.4 Disclosure of Receivables and Provisioning based on Area - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Wilayah
Area
No. Keterangan
Luar
Jawa
Jabar Banten DKI DIY Jateng Jatim Total
Outside
Java
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan 1.594.950 983.280 15.859.969 567.239 1.119.464 2.499.777 1.460.718 24.085.396
Tagihan yang Mengalami Penurunan
2 2.017 13.812 167.808 4.897 63.051 22.899 14.416 288.900
Nilai (Impaired)
a. Belum Jatuh Tempo 1.991 633 21.217 3.707 63.050 266 14.367 105.232
b. Sudah Jatuh Tempo 26 13.179 146.591 1.189 1 22.633 49 183.668
Cadangan Kerugian Penurunan
3 7.519 9.782 126.723 237 26.570 16.310 5.041 192.182
Nilai - Individual
Cadangan Kerugian Penurunan
4 9.260 27.869 30.238 9.781 7.418 18.489 16.278 119.332
Nilai - Kolektif
5 Tagihan yang Dihapus Buku 10.417 38.329 22.417 7.737 34.934 31.409 161.392 306.633
Tabel 1.5 Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi - Bank secara Individual
Table 1.5 Disclosure of Receivables and Provisioning based on Area - Bank Only
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Sudah Jatuh Tempo
Non Past Due Past Due
(1) (2) (3) (4) (5)
Posisi Tanggal Laporan
1 Pertanian, Perburuan, dan Kehutanan 501.413 1.771 -
2 Perikanan 116.517 - -
3 Pertambangan dan Penggalian 586.375 - -
4 Industri Pengolahan 3.294.908 791 9.080
5 Listrik, Gas, dan Air 126.108 - -
6 Konstruksi 789.346 - 22.691
7 Perdagangan Besar dan Eceran 2.727.313 74.402 77.425
Penyediaan Akomodasi dan Penyediaan
8 865.316 - 1.186
Makan Minum
Transportasi Pergudangan
9 484.816 27.977 3.041
dan Komunikasi
10 Perantara Keuangan 10.193.054 - -
Real Estate, Usaha Persewaan, dan Jasa
11 1.507.261 - 62.384
Perusahaan
Administrasi Pemerintahan, Pertahanan, dan
12 - - -
Jaminan Sosial Wajib
13 Jasa Pendidikan 219.036 - -
14 Jasa Kesehatan dan Kegiatan Sosial 99.905 - -
Jasa Kemasyarakatan, Sosial Budaya, Hiburan,
15 201.711 - -
dan Perorangan Lainnya
16 Jasa Perorangan yang Melayani Rumah Tangga 470 - -
194 PT Bank Ina Perdana Tbk
Page 197
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Wilayah
Area
Description
Luar
Jawa
Jabar Banten DKI DIY Jateng Jatim Total
Outside
Java
(11) (12) (13) (14) (15) (16) (17) (18) (2)
1.491.683 - 11.450.370 474.448 976.115 2.346.976 1.367.333 18.106.925 Receivables
18.103 29.935 292.609 25.457 95.219 122.926 44.550 628.799 Impaired Receivables
42 1.356 135.647 34 5.924 12.354 37.250 192.607 Non Past Due
18.061 28.579 156.962 25.423 89.295 110.572 7.300 436.192 Past Due
Individual Allowance for Impairment
4.997 11.949 91.765 2.513 49.609 38.142 259 199.234
Losses-Individual
Allowance for Impairment
8.427 12.101 53.920 13.220 8.617 14.527 24.285 135.097
Losses - Collective
- 3 99.709 624 637 31 2 101.006 Written-Off Receivables
(dalam jutaan Rupiah / in millions of Rupiah)
Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai (CKPN) Penurunan Nilai (CKPN) Tagihan yang
Individual Kolektif Dihapus Buku Economic Sectors
Allowance for Impairment Allowance for Impairment Written-Off Receivables
Losses - Individual Losses - Collective
(6) (7) (8) (2)
Position at Reporting Date
- 6.475 - Agriculture, Hunting, and Forestry
- 963 - Fishery
- 3.650 104.119 Mining and Quarrying
17.069 36.035 - Manufacturing
- 888 - Electricity, Gas, and Water
8.192 5.266 531 Construction
90.567 25.449 - Wholesale and Retail Trading
Providence of Accommodation and Food &
- 15.317 99
Beverage Services
Transportation, Warehousing,
54.839 2.716 201.036
and Communications
- 5.053 - Financial Intermediary
21.087 8.648 - Real Estate, Rental, and Business Services
Government Administration, Defence,
- 1 -
and Compulsory Social Security
1.632 1.632 - Education Services
743 743 - Human Health and Social Work Activities
Public, Socio-Culture, Entertainment,
1.425 1.425 -
and Other Personal Services
6 6 - Individual Services for Households
PT Bank Ina Perdana Tbk 195
Page 198
Tinjauan Pendukung Bisnis
Business Support Overview
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Sudah Jatuh Tempo
Non Past Due Past Due
(1) (2) (3) (4) (5)
Badan Internasional dan Badan Ekstra
17 - - -
Internasional Lainnya
18 Kegiatan yang Belum Jelas Batasannya - - -
19 Rumah Tangga 638.226 292 7.824
20 Bukan Lapangan Usaha 948.489 - 37
Total 23.300.264 105.232 183.668
Posisi Tanggal Laporan Tahun Sebelumnya
1 Pertanian, Perburuan, dan Kehutanan 581.441 - -
2 Perikanan 72.273 - -
3 Pertambangan dan Penggalian 788.164 3.000 -
4 Industri Pengolahan 2.900.341 - -
5 Konstruksi 945.530 12.391 -
6 Perdagangan Besar dan Eceran 2.537.575 39.390 -
Penyediaan Akomodasi dan
7 737.637 - -
Penyediaan Makan minum
8 Transportasi Pergudangan dan komunikasi 768.772 - -
9 Perantara Keuangan 9.246.546 - -
Real Estate, Usaha Persewaan, dan Jasa
10 1.354.515 - -
Perusahaan
11 Jasa Pendidikan 88.920 - -
12 Jasa Kesehatan dan Kegiatan Sosial 191.178 644 -
Jasa Kemasyarakatan, Sosial Budaya, Hiburan,
13 17.541 - -
dan Perorangan Lainnya
14 Rumah Tangga 4.209 37.941 -
15 Bukan Lapangan Usaha 426.377 3.829 -
Total 20.661.019 97.194 -
Tabel 1.6 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual
Table 1.6 Movement of Allowance for Impairment Losses Disclosure - Bank Only
Posisi Tanggal Laporan
No. Keterangan Position at Reporting Date
Stage 1 Stage 2 Stage 3 Total
(1) (2) (3) (4) (4) (5)
1 Saldo Awal CKPN 59.144 43.384 232.701 335.229
2 Pengalihan (1.954) (18.486) 20.440 -
3 Pengukuran Kembali Bersih Penyisihan Kerugian 7.420 10.093 234.004 251.517
4 Aset Keuangan Baru yang Diterbitkan atau Dibeli 56.274 8.607 93.706 158.587
5 Aset Keuangan yang Dihentikan Pengakuannya (20.735) (14.387) (186.546) (221.668)
6 Total Penambahan 42.959 4.313 141.164 188.436
7 Aset Keuangan yang Dihapusbukukan - - (5.854) (5.854)
8 Penerimaan Kembali Kredit yang Telah Dihapusbukukan - (211.685) (211.685)
9 Selisih kurs dan perubahan lainnya (466) - - (466)
Saldo Akhir CKPN 99.683 29.211 176.766 305.660
196 PT Bank Ina Perdana Tbk
Page 199
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai (CKPN) Penurunan Nilai (CKPN) Tagihan yang
Individual Kolektif Dihapus Buku Economic Sectors
Allowance for Impairment Allowance for Impairment Written-Off Receivables
Losses - Individual Losses - Collective
(6) (7) (8) (2)
International Agencies and Other International
- - -
Extra Agencies
- - - Activities with Unclear Boundaries
4.915 4.915 848 Household
153 153 - Non Business Field
200.627 119.333 306.633 Total
Position at Reporting Date of the Previous Year
- 364 - Agriculture, Hunting, and Forestry
- 25 - Fishery
541 871 34.316 Mining and Quarrying
- 3.140 - Manufacturing
2.857 3.054 - Construction
21.925 28.666 61 Wholesale and Retail Trading
Providence of Accommodation and Food &
3.669 27.027 -
Beverage Services
Transportation, Warehousing, and
6.453 8.430 19
Communications
6.731 1.074 41.809 Financial Intermediary
- 2.170 - Real Estate, Rental, and Business Services
- 1.906 - Education Services
- 791 - Human Health and Social Work Activities
Public, Socio-Culture, Entertainment, and
- 1.535 -
Other Personal Services
14.914 168 276 Household
2.566 4.302 - Non Business Field
59.657 83.522 76.481 Total
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year Description
Stage 1 Stage 2 Stage 3 Total
(6) (7) (8) (9) (10)
Beginning Balance - Allowance for
34.340 64.419 138.808 237.567
Impairment Losses
43.460 (47.764) 4.304 - Movement
(40.580) 21.863 111.010 92.293 Net Remeasurement of Loss Allowance
27.382 10.097 913 38.392 New Financial Assets Issued or Purchased
(5.496) (5.231) (16.480) (27.207) Derecognized Financial Assets
(18.694) 26.729 95.443 103.478 Total Additions
- - (5.854) (5.854) Written Off Financial Assets
38 - - 38 Recoveries from Written Off Loans
Foreign Exchange and Other
- - - -
Movements
15.684 91.148 228.397 335.229 Ending Balance of Allowance for Impairment Losses
PT Bank Ina Perdana Tbk 197
Page 200
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 2 Pengungkapan Tagihan Bersih berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Table 2 Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih
Net Receivables
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
BBB+ s.d.
BB+ s.d.
Standart and AA+ s.d. AA- A+ s.d. A- BBB- B+ s.d. B-
AAA BB-
Pour’s AA+ to AA- A+ to A- BBB+ to B+ to B-
BB+ to BB-
BBB-
BBB+ s.d.
BB+ s.d.
AA+ s.d. AA- A+ s.d. A- BBB- B+ s.d. B-
Fitch Rating AAA BB-
AA+ to AA- A+ to A- BBB+ to B+ to B-
BB+ to BB-
BBB-
No. Kategori Portofolio Baa1 s.d. Ba1 s.d.
Aa1 s.d. Aa3 Aa1 s.d. A3 B1 s.d. B3
Moody’s Aaa Baa3 Ba3
Aa1 to Aa3 Aa1 to A3 B1 to B3
Baa1 to Baa3 Ba1 to Ba3
A+(idn) BBB+(idn) BB+(idn)
AA+(idn) s.d. B+(idn) s.d.
s.d. s.d. BBB- s.d. BB-
PT Fitch Ratings AA-(idn) B-(idn)
AAA(idn) A-(idn) (idn) (idn)
Indonesia AA+(idn) to B+(idn) to
A+(idn) to BBB+(idn) to BB+(idn)
AA-(idn) B-(idn)
A-(idn) BBB-(idn) to BB-(idn)
[idr]BBB+ [idr]BB+
[idr]AA+ s.d. [idr]A+ [idr]B+ s.d.
s.d. [idr] s.d. [idr]
[idr]AA- s.d. [idr]A- [idr]B-
PT ICRA Indonesia [Idr]AAA BBB- BB-
[idr]AA+ to [idr]A+ to [idr]B+ to
[idr]BBB+ to [idr]BB+ to
[idr]AA- [idr]A- [idr]B-
[idr]BBB- [idr]BB-
idA+ s.d. id BBB+ s.d. id BB+ s.d.
idAA+ s.d. id B+ s.d.
PT Pemeringkat idA- id BBB- id BB-
idAAA idAA- id B-
Efek Indonesia idA+ s.d id BBB+ to id id BB+ to
idAA+ to idAA- id B+ to id B-
idA- BBB- id BB-
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1 Tagihan kepada Pemerintah - - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan
3 - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank - 249749 - - - -
5 Tagihan berupa Covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan
6 - - - - - -
Lembaga Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang
7 Subordinasi, Ekuitas, dan Instrumen - - - - - -
Modal Lainnya
8 Kredit Beragunan Rumah Tinggal - - - - - -
9 Kredit Beragun Properti Komersial - - - - - -
Kredit untuk Pengadaan Tanah,
10 - - - - - -
Pengolahan Tanah, dan Konstruksi
11 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha
12 - - - - - -
Kecil, dan Portofolio Ritel
13 Tagihan kepada Korporasi 1841618 - 403828 - - -
14 Tagihan yang Telah Jatuh Tempo - - - - - -
15 Aset Lainnya - - - - - -
Total 1841618 249749 403828 - - -
198 PT Bank Ina Perdana Tbk
Page 201
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih
Net Receivables
Peringkat Jangka
Peringkat Jangka Pendek
Panjang
Short Term Rating
Long Term Rating
Kurang dari
Kurang dari B- A-1 A-2 A-3 A-3
Lower than B- A-1 A-2 A-3 Lower than
A-3
Kurang dari
Kurang dari B- F1+ s.d. F1 F2 F3 F3
Lower than B- F1+ to F1 F2 F3 Lower than
F3
Kurang dari
Kurang dari B3 P-1 P-2 P-3 P-3 Portfolio Category
Lower than B3 P-1 P-2 P-3 Lower than Tanpa
P-3 Peringkat Total
No Rating
Kurang dari F1+(idn) s.d. Kurang dari
B-(idn) F1(idn) F2(idn) F2(idn) F3(idn)
Lower than F1+(idn) to F2(idn) F2(idn) Lower than
B-(idn) F1(idn) F3(idn)
Kurang dari [idr]A1+ s.d. [idr]A2+ [idr]A3+ Kurang dari
[idr]B- [Idr]A1 s.d. [Idr]A2 s.d. [Idr]A3 [Idr]A3
Lower than [idr]A1+ to [idr]A2+ to [idr]A3+ to Lower than
[idr]B- [Idr]A1 [Idr]A2 [Idr]A3 [Idr]A3
idA3 s.d. Kurang dari
Kurang dari d B- idA1 idA2 id A4 idA4
Lower than d B- idA1 idA2 idA3 to id Lower than
A4 idA4
(10) (11) (12) (13) (14) (15) (16) (2)
- - - - - 6.320.338 6.320.338 Receivables on Sovereigns
- - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - - -
Banks and International Institutions
- - - - - 1.178.273 1.428.022 Receivables on Banks
- - - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and
- - - - - 785.131 785.131
Other Financial Services Institutions
Receivables on Multilateral
- - - - - - - Development Banks
and International Institutions
- - - - - 121.777 121.777 Loans Secured by Residential Property
Loans Secured by Commercial
- - - - - - -
Real Estate
Credit for Land Acquisition, Land
- - - - - - -
Processing, and Construction
- - - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
- - - - - 396.044 396.044
and Retail Portfolio
150555 - - - - 11.429.537 13.825.538 Receivables on Corporate
- - - - - 288.900 288.900 Past Due Receivables
- - - - - 919.645 919.645 Other Assets
150555 - - - - 21.439.645 24.085.395 Total
PT Bank Ina Perdana Tbk 199
Page 202
Tinjauan Pendukung Bisnis
Business Support Overview
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih
Net Receivables
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
BBB+ s.d.
BB+ s.d.
Standart and AA+ s.d. AA- A+ s.d. A- BBB- B+ s.d. B-
AAA BB-
Pour’s AA+ to AA- A+ to A- BBB+ to B+ to B-
BB+ to BB-
BBB-
BBB+ s.d.
BB+ s.d.
AA+ s.d. AA- A+ s.d. A- BBB- B+ s.d. B-
Fitch Rating AAA BB-
AA+ to AA- A+ to A- BBB+ to B+ to B-
BB+ to BB-
BBB-
No. Kategori Portofolio Baa1 s.d. Ba1 s.d.
Aa1 s.d. Aa3 Aa1 s.d. A3 B1 s.d. B3
Moody’s Aaa Baa3 Ba3
Aa1 to Aa3 Aa1 to A3 B1 to B3
Baa1 to Baa3 Ba1 to Ba3
A+(idn) BBB+(idn) BB+(idn)
AA+(idn) s.d. B+(idn) s.d.
s.d. s.d. BBB- s.d. BB-
PT Fitch Ratings AA-(idn) B-(idn)
AAA(idn) A-(idn) (idn) (idn)
Indonesia AA+(idn) to B+(idn) to
A+(idn) to BBB+(idn) to BB+(idn)
AA-(idn) B-(idn)
A-(idn) BBB-(idn) to BB-(idn)
[idr]BBB+ [idr]BB+
[idr]AA+ s.d. [idr]A+ [idr]B+ s.d.
s.d. [idr] s.d. [idr]
[idr]AA- s.d. [idr]A- [idr]B-
PT ICRA Indonesia [Idr]AAA BBB- BB-
[idr]AA+ to [idr]A+ to [idr]B+ to
[idr]BBB+ to [idr]BB+ to
[idr]AA- [idr]A- [idr]B-
[idr]BBB- [idr]BB-
idA+ s.d. id BBB+ s.d. id BB+ s.d.
idAA+ s.d. id B+ s.d.
PT Pemeringkat idA- id BBB- id BB-
idAAA idAA- id B-
Efek Indonesia idA+ s.d id BBB+ to id id BB+ to
idAA+ to idAA- id B+ to id B-
idA- BBB- id BB-
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1 Tagihan kepada Pemerintah - - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan
3 - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank - - 221.292 5.114 - -
5 Kredit Beragunan Rumah Tinggal - - - - - -
6 Kredit Beragun Properti Komersial - - - - - -
7 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha
8 - - - - - -
Kecil, dan Portofolio Ritel
9 Tagihan kepada Korporasi 2.219.450 - 480.833 - - -
10 Tagihan yang Telah Jatuh Tempo - - - - - -
11 Aset Lainnya - - - - - -
Total 2.219.450 - 702.125 5.114 - -
200 PT Bank Ina Perdana Tbk
Page 203
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih
Net Receivables
Peringkat Jangka
Peringkat Jangka Pendek
Panjang
Short Term Rating
Long Term Rating
Kurang dari
Kurang dari B- A-1 A-2 A-3 A-3
Lower than B- A-1 A-2 A-3 Lower than
A-3
Kurang dari
Kurang dari B- F1+ s.d. F1 F2 F3 F3
Lower than B- F1+ to F1 F2 F3 Lower than
F3
Kurang dari
Kurang dari B3 P-1 P-2 P-3 P-3 Portfolio Category
Lower than B3 P-1 P-2 P-3 Lower than Tanpa
P-3 Peringkat Total
No Rating
Kurang dari F1+(idn) s.d. Kurang dari
B-(idn) F1(idn) F2(idn) F2(idn) F3(idn)
Lower than F1+(idn) to F2(idn) F2(idn) Lower than
B-(idn) F1(idn) F3(idn)
Kurang dari [idr]A1+ s.d. [idr]A2+ [idr]A3+ Kurang dari
[idr]B- [Idr]A1 s.d. [Idr]A2 s.d. [Idr]A3 [Idr]A3
Lower than [idr]A1+ to [idr]A2+ to [idr]A3+ to Lower than
[idr]B- [Idr]A1 [Idr]A2 [Idr]A3 [Idr]A3
idA3 s.d. Kurang dari
Kurang dari d B- idA1 idA2 id A4 idA4
Lower than d B- idA1 idA2 idA3 to id Lower than
A4 idA4
(10) (11) (12) (13) (14) (15) (16) (2)
- - - - - 5.293.561 5.293.561 Receivables on Sovereigns
- - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - - -
Banks and International Institutions
- - - - - 250.436 476.842 Receivables on Banks
- - - - - 140.290 140.290 Loans Secured by Residential Property
Loans Secured by Commercial
- - - - - - -
Real Estate
- - - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
- - - - - 286.710 286.710
and Retail Portfolio
- - - - - 9.383.315 12.083.598 Receivables on Corporate
- - - - - - - Past Due Receivables
- - - - - 552.914 552.914 Other Assets
- - - - - 15.907.226 18.833.915 Total
PT Bank Ina Perdana Tbk 201
Page 204
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 3.1 Pengungkapan Tagihan Bersih berdasarkan Bobot Risiko setelah memperhitungkan Dampak Mitigasi
Risiko Kredit - Bank secara Individual
Table 3.1 Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigation - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih setelah Mempertimbangkan Dampak Mitigasi Risiko Kredit
No. Ketegori Portofolio
Net Receivables after Considering the Impact of Credit Risk Mitigation
0% 10% 15% 20% 25% 30% 35% 40%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
A EKSPOSUR NERACA
1 Tagihan kepada Pemerintah 6.320.338 - - - - - - -
2 Tagihan kepada Sektor Publik - - - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - 1.418.646 - - - 9.376
5 Tagihan Berupa Covered Bond - - - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 21.053 - - - - - - 764.078
Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas,
7 - - - - - - - -
dan Instrumen Modal Lainnya
8 Kredit Beraguna Rumah Tinggal - - - 16.827 80.933 24.017 - -
9 Kredit Beragun Properti Komersial - - - - - - - -
10 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - - - - - - -
11 Kredit Pegawai/Pensiunan - - - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio
12 11.313 - - 44.707 - - - -
Ritel
13 Tagihan kepada Korporasi 576.219 - - 1.841.618 - - -
14 Tagihan yang Telah Jatuh Tempo - - - - - - - -
15 Aset Lainnya - - - - - - - -
Total Eksposur Neraca 6.928.923 - - 3.321.798 80.933 24.017 - 773.454
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTIJENSI PADA TRANSAKSI REKENING ADMINISTRATIF
1 Tagihan kepada Pemerintah - - - - - - - -
2 Tagihan kepada Sektor Publik - - - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - - - - - -
5 Tagihan Berupa Covered Bond - - - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 - - - - - - - 119.619
Keuangan Lainnya
7 Kredit Beraguna Rumah Tinggal - - - - - - - -
8 Kredit Beragun Properti Komersial - - - - - - - -
9 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - - - - - - -
10 Kredit Pegawai/Pensiunan - - - - - - - -
11 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - - - -
12 Tagihan kepada Korporasi - - - - - - - -
13 Tagihan yang Telah Jatuh Tempo - - - - - - - -
14 Aset Lainnya - - - - - - - -
Total Eksposur TRA - - - - - - - 119.619
202 PT Bank Ina Perdana Tbk
Page 205
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih setelah Mempertimbangkan Beban
Dampak Mitigasi Risiko Kredit ATMR Modal
Portfolio Category
Net Receivables after Considering the Impact of RWA Capital
Credit Risk Mitigation Charge
Lainnya
45% 50% 75% 100% 150%
Others
(11) (12) (13) (14) (15) (16) (17) (18) (2)
BALANCE SHEET EXPOSURES
- - - - - - - - Receivables on Sovereigns
- - - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - - - -
International Institutions
- - - - - - 287.480 22.998 Receivables on Banks
- - - - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- - - - - - 305.631 24.450
Services Institutions
Receivables on Multilateral Development Banks
- - - - - - - -
and International Institutions
- - - - - - 30.804 2.464 Loans Secured by Residential Property
- - - - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
- - - - - - - -
Construction
- - - - - - - - Employee/Retired Loans
- - 340.024 - - - 263.959 21.117 Receivables on Micro, Small Business & Retail Portfolio
- 403.828 - 11.003.873 - - 11.574.111 925.929 Receivables on Corporate
- 42.817 - 140.876 105.207 - 320.095 25.608 Past Due Receivables
- - - 840.586 - - 840.586 67.247 Other Assets
- 446.645 340.024 11.144.749 105.207 - 13.622.666 1.022.566 Total Balance Sheet Exposure
OFF BALANCE SHEET COMMITMENT/CONTIGENCY RECEIVABLES EXPOSURES
- - - - - - - - Receivables on Sovereigns
- - - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - - - -
International Institutions
- - - - - - - - Receivables on Banks
- - - - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- - - - - - 47.847 3.828
Services Institutions
- - - - - - - - Loans Secured by Residential Property
- - - - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
- - - - - - - -
Construction
- - - - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
- - 19.531 - - - 14.648 1.172
and Retail Portfolio
- - - 960.810 - - 960.810 76.865 Receivables on Corporate
- 55 - - - - 28 2 Past Due Receivables
- - - - - - - - Other Assets
- 55 19.531 960.810 - - 1.023.333 81.867 Total TRA Exposure
PT Bank Ina Perdana Tbk 203
Page 206
Tinjauan Pendukung Bisnis
Business Support Overview
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih setelah Mempertimbangkan Dampak Mitigasi Risiko Kredit
No. Ketegori Portofolio
Net Receivables after Considering the Impact of Credit Risk Mitigation
0% 10% 15% 20% 25% 30% 35% 40%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
C. EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)
1 Tagihan kepada Pemerintah 246.330 - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral
3 - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
5 - - - - - -
Keuangan Lainnya
Tagihan kepada Usaha Mikro, Usaha Kecil,
6 - - - - - -
dan Portofolio Ritel
7 Tagihan kepada Korporasi - - - - - -
8 Aset Lainnya - - - - - -
Total Eksposur Counterparty Credit Risk 246.330 - - - - - - -
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih setelah Mempertimbangkan Dampak Mitigasi Risiko Kredit
No. Ketegori Portofolio
Net Receivables after Considering the Impact of Credit Risk Mitigation
0% 20% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8)
A EKSPOSUR NERACA
1 Tagihan kepada Pemerintah 4.275.254 - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - 2.013.986 - -
5 Tagihan Berupa Covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 - - - - - -
Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas,
7
dan Instrumen Modal Lainnya
8 Kredit Beraguna Rumah Tinggal - - - 15.872 9.980 96.528
9 Kredit Beragun Properti Komersial - - - - - -
10 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - - - - -
11 Kredit Pegawai/Pensiunan - - - - - -
12 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - -
13 Tagihan kepada Korporasi - - - 2.176.697 - -
14 Tagihan yang Telah Jatuh Tempo - - - - - -
15 Aset Lainnya 71.563 - - - - -
Total Eksposur Neraca 4.346.817 - - 4.206.555 9.980 96.528
204 PT Bank Ina Perdana Tbk
Page 207
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih setelah Mempertimbangkan Beban
Dampak Mitigasi Risiko Kredit ATMR Modal
Portfolio Category
Net Receivables after Considering the Impact of RWA Capital
Credit Risk Mitigation Charge
Lainnya
45% 50% 75% 100% 150%
Others
(11) (12) (13) (14) (15) (16) (17) (18) (2)
COUNTER PARTY CREDIT RISK EXPOSURE
- - - - - - - - Receivables on Sovereigns
- - - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - - - -
International Institutions
- - - - - - - - Receivables on Banks
Billing to Securities Companies and Other Financial
- - - - - - - -
Services Institutions
Receivables on Micro, Small Business,
- - - - - - - -
and Retail Portfolio
- - - - - - - - Due Receivables
- - - - - - - - Other Assets
- - - - - - - - Total Eksposur Counterparty Credit Risk
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih setelah Mempertimbangkan Dampak
Beban Modal
Mitigasi Risiko Kredit ATMR
Capital Portfolio Category
Net Receivables after Considering the Impact of RWA
Charge
Credit Risk Mitigation
Lainnya
75% 100% 150%
Others
(9) (10) (11) (12) (13) (14) (2)
BALANCE SHEET EXPOSURES
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - -
International Institutions
- 10.123 - - - - Receivables on Banks
- - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- 721.550 - - - -
Services Institutions
Receivables on Multilateral Development Banks
and International Institutions
- - - - - - Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
- - - - - -
Construction
- - - - - - Employee/Retired Loans
- - - - 328.613 - Receivables on Micro, Small Business & Retail Portfolio
- 334.245 - 10.934.333 Receivables on Corporate
- - - 68.905 - 77.619 Past Due Receivables
- - - - - 342.664 Other Assets
- 731.673 - 403.150 328.613 11.354.616 Total Balance Sheet Exposure
PT Bank Ina Perdana Tbk 205
Page 208
Tinjauan Pendukung Bisnis
Business Support Overview
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih setelah Mempertimbangkan Dampak Mitigasi Risiko Kredit
No. Ketegori Portofolio
Net Receivables after Considering the Impact of Credit Risk Mitigation
0% 20% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (8)
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTIJENSI PADA TRANSAKSI REKENING ADMINISTRATIF
1 Tagihan kepada Pemerintah - - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
5 Tagihan Berupa Covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 - - - - - -
Keuangan Lainnya
7 Kredit Beraguna Rumah Tinggal - - - 58 - -
8 Kredit Beragun Properti Komersial - - - - - -
9 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - -
10 Kredit Pegawai/Pensiunan - - - - - -
11 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - -
12 Tagihan kepada Korporasi - - - - - -
13 Tagihan yang Telah Jatuh Tempo - - - - - -
14 Aset Lainnya - - - - - -
Total Eksposur TRA - - - 58 - -
C. EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)
1 Tagihan kepada Pemerintah 2.400.152 - - -
2 Tagihan kepada Sektor Publik - - - -
3 Tagihan kepada Bank Pembangunan Multilateral dan
- - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - -
5 Tagihan kepada Perusahaan Efek dan Lembaga Jasa
- -
Keuangan Lainnya
6 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - -
7 Tagihan kepada Korporasi - - - -
8 Aset Lainnya - - - -
Total Eksposur Counterparty Credit Risk 2.400.152 - - - - -
206 PT Bank Ina Perdana Tbk
Page 209
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih setelah Mempertimbangkan Dampak
Beban Modal
Mitigasi Risiko Kredit ATMR
Capital Portfolio Category
Net Receivables after Considering the Impact of RWA
Charge
Credit Risk Mitigation
Lainnya
75% 100% 150%
Others
(9) (10) (11) (12) (13) (14) (2)
OFF BALANCE SHEET COMMITMENT/CONTIGENCY RECEIVABLES EXPOSURES
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - -
International Institutions
- - - - - - Receivables on Banks
- - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- 231.872 - - - -
Services Institutions
- - - - - - Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
Construction
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
- - - - 17.160 -
and Retail Portfolio
- - - - - 674.651 Receivables on Corporate
- - - 535 - - Past Due Receivables
- - - - - - Other Assets
- 231.872 - 535 17.160 1.373 Total TRA Exposure
COUNTERPARTY CREDIT RISK EXPOSURE
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - -
International Institutions
- - - - - - Receivables on Banks
Billing to Securities Companies and Other Financial
Services Institutions
- - - - - - Receivables on Corporate
- - - - - - Past Due Receivables
- - - - - - Other Assets
- - - - - - Total Eksposur Counterparty Credit Risk
PT Bank Ina Perdana Tbk 207
Page 210
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 3.2 Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Table 3.2 Disclosure of Net Receivables and Credit Risk Mitigation Technic - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Bagian yang Dijamin dengan
Bagian
Tagihan Portion Secured with
No. Ketegori Portofolio yang Tidak
Bersih Asuransi
Dijamin
Net Agunan Garansi Kredit Lainnya
Unsecured
Receivables Collateral Collateral Loan Other
Portion
Insurance
(1) (2) (3) (4) (5) (6) (7) (8)
A EKSPOSUR NERACA
1 Tagihan kepada Pemerintah 6.320.338 - - - - 6.320.338
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral
3 - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank 1.428.022 - - - - 1.428.022
5 Tagihan Berupa Covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga
6 785.131 21.053 - - - 764.078
Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang
7 - -
Subordinasi, Ekuitas, dan Instrumen Modal Lainnya
8 Kredit Beraguna Rumah Tinggal 121.777 - - - - 121.777
9 Kredit Beragun Properti Komersial - - - - - -
Kredit Pengadaan Tanah, Pengolahan Tanah,
10 - - - - - -
dan Konstruksi
11 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil,
12 396.044 56.020 - - - 340.024
dan Portofolio Ritel
13 Tagihan kepada Korporasi 13.825.538 576.219 - - - 13.249.319
14 Tagihan yang Telah Jatuh Tempo 288.900 - - - - 288.900
15 Aset Lainnya 919.645 - - - - 919.645
Total Eksposur Neraca 24.085.395 653.292 - - - 23.432.103
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTIJENSI PADA TRANSAKSI REKENING ADMINISTRATIF
1 Tagihan kepada Pemerintah - - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral
3 - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga
5 119.619 - - - - 119.619
Jasa Keuangan Lainnya
6 Kredit Beragun Rumah Tinggal - - - - - -
7 Kredit Beragun Properti Komersial - - - - - -
Kredit Pengadaan Tanah, Pengolahan Tanah,
8 - - - - - -
dan Konstruksi
9 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil,
10 19.531 - - - - 19.531
dan Portofolio Ritel
11 Tagihan kepada Korporasi 960.810 - - - - 960.810
12 Tagihan yang Telah Jatuh Tempo 55 - - - - 55
13 Aset Lainnya - - - - - -
Total Eksposur TRA 1.100.015 - - - - 1.100.015
C. EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)
1 Tagihan kepada Pemerintah 246.330 - - - - 246.330
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral
3 - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
Tagihan kepada Usaha Mikro,
5 - - - - - -
Usaha Kecil, dan Portofolio Ritel
6 Tagihan kepada Korporasi - - - - - -
7 Aset Lainnya - - - - - -
Total Eksposur Counterparty Credit Risk 246.330 - - - - 246.330
208 PT Bank Ina Perdana Tbk
Page 211
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Bagian yang Dijamin dengan
Bagian
Tagihan Portion Secured with
yang Tidak Portfolio Category
Bersih Asuransi
Dijamin
Net Agunan Garansi Kredit Lainnya
Unsecured
Receivables Collateral Guarantee Loan Other
Portion
Insurance
(9) (10) (11) (12) (13) (14) (2)
BALANCE SHEET EXPOSURES
4.275.254 - - - - 4.275.254 Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - -
Banks and International Institutions
2.024.109 - - - - 2.024.109 Receivables on Banks
- - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other
721.550 3.000 - - - 718.550
Financial Services Institutions
Receivables on Multilateral Development
Banks and International Institutions
122.380 - - - - 122.380 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing,
- - - - - -
and Construction
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
328.613 56.721 - - - 271.892
and Retail Portfolio
13.777.117 204.075 - - - 13.573.042 Receivables on Corporate
213.544 - - - - 213.544 Past Due Receivables
395.661 - - - - 52.997 Other Assets
21.858.228 263.796 - - - 21.251.768 Total Balance Sheet Exposure
COMMITMENT/CONTIGENCY RECEIVABLES EXPOSURE/OFF BALANCE SHEET
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - -
Banks and International Institutions
- - - - - - Receivables on Banks
Billing to Securities Companies and Other
231.872 - - - - 231.872
Financial Services Institutions
58 - - - - 58 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing,
- - - - - -
and Construction
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
17.160 - - - - 17.160
and and Retail Portfolio
674.651 674.651 - - - - Receivables on Corporate
5.355 - - - - 282 Past Due Receivables
- - - - - - Other Assets
929.095 674.651 - - - 249.371 Total TRA Exposure
COUNTERPARTY CREDIT RISK
2.400.152 - - - - 2.400.152 Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - -
Banks and International Institutions
- - - - - - Receivables on Banks
Receivables on Micro, Small
- - - - - -
Business, and Retail Portfolio
- - - - - - Receivables on Corporate
- - - - - - Other Assets
2.400.152 - - - - 2.400.152 Total Exposure Counterparty Credit Risk
PT Bank Ina Perdana Tbk 209
Page 212
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 4.1 Pengungkapan Eksposur Aset di Neraca
Table 4.1 Disclosure of Asset Exposures on the Balance Sheet
Posisi Tanggal Laporan
Position at Reporting Date
No. Kategori Portofolio
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah 6.320.338 - -
2 Tagihan kepada Entitas Sektor Publik - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - -
Lembaga Internasional
4 Tagihan kepada Bank 1.428.022 287.480 287.480
5 Tagihan Berupa Covered Bond - - -
6 Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya 785.131 314.052 305.631
Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan
7 - - -
Instrumen Modal Lainnya
8 Kredit Beragun Rumah Tinggal 121.777 30.804 30.804
9 Kredit Beragun Properti Komersial - - -
10 Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - -
11 Kerdit kepada Pegawai/Pensiunan - - -
12 Kredit kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 396.044 297.033 263.959
13 Tagihan kepada Korporasi 13.825.538 12.150.330 11.574.111
14 Tagihan yang Telah Jatuh Tempo 288.900 320.095 320.095
15 Aset Lainnya 919.645 - 840.586
Total 24.085.395 13.399.793 13.622.666
Tabel 4.2 Pengungkapan Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif
Table 4.2 Disclosure of Commitment/Contingent Liability Exposures in Off Balance Sheet
Posisi Tanggal Laporan
Position at Reporting Date
No. Kategori Portofolio
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah - - -
2 Tagihan kepada Entitas Sektor Publik - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - -
Lembaga Internasional
4 Tagihan kepada Bank - - -
5 Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya 119.619 47.847 47.847
6 Kredit Beragun Rumah Tinggal - - -
7 Kredit Beragun Properti Komersial - - -
8 Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - -
9 Kredit kepada Pegawai/Pensiunan - - -
10 Kredit kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 19.531 14.648 14.648
11 Tagihan kepada Korporasi 960.810 960.810 -
12 Tagihan yang Telah Jatuh Tempo 56 28 28
Total 1.100.015 1.023.333 62.523
210 PT Bank Ina Perdana Tbk
Page 213
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Portfolio Category
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(6) (7) (8) (2)
4.275.254 - - Receivables on Sovereigns
- - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - -
International Institutions
2.024.109 406.846 406.846 Receivables on Banks
- - - Billing in the Form of Covered Bonds
721.550 288.620 287.420 Billing to Securities Companies and Other Financial Services Institutions
Receivables on Multilateral Development Banks
- - -
and International Institutions
122.380 34.628 34.628 Loans Secured by Residential Property
- - - Loans Secured by Commercial Real Estate
- - - Credit for Land Acquisition, Land Processing, and Construction
- - - Employee/Retired Loans
328.613 246.460 213.970 Receivables on Micro, Small Business, and Retail Portfolio
13.777.117 11.932.520 11.728.445 Receivables on Corporate
213.544 212.602 212.602 Past Due Receivables
395.661 - 342.664 Other Assets
21.858.228 13.121.676 13.226.575 Total
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Portfolio Category
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(6) (7) (8) (2)
- - - Receivables on Sovereigns
- - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - -
International Institutions
- - - Receivables on Banks
231.872 92.749 92.749 Billing to Securities Companies and Other Financial Services Institutions
58 12 12 Loans Secured by Residential Property
- - - Loans Secured by Commercial Real Estate
- - - Credit for Land Acquisition, Land Processing, and Construction
- - - Employee/Retired Loans
17.160 12.870 12.870 Receivables on Micro, Small Business, and RetailPortfolio
674.651 674.651 - Receivables on Corporate
536 268 268 Past Due Receivables
924.276 780.549 105.898 Total
PT Bank Ina Perdana Tbk 211
Page 214
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 4.3 Pengungkapan Eksposur yang Menimbulkan Risiko Kredit Akibat Kegagalan Pihak Lawan
Table 4.3 Disclosure of Exposures that Give Risk to Total Exposure Counterparty Credit Risk
Posisi Tanggal Laporan
Position at Reporting Date
No. Kategori Portofolio
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah 246.330 - -
2 Tagihan kepada Entitas Sektor Publik - - -
3 Tagihan kepada Bank Pembangunan Multilateral dan
- - -
Lembaga Internasional
4 Tagihan kepada Bank - - -
5 Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya - - -
6 Kredit kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - -
7 Tagihan kepada Korporasi - - -
Total 246.330 - -
Tabel 4.4 Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Settlement (Settlement Risk)
Table 4.4 Disclosure of Exposures for Settlement Risk
Posisi Tanggal Laporan
Position at Reporting Date
No. Kategori Portofolio
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(1) (2) (3) (4) (5)
1 Delivery Versus Payment
a. Beban Modal 8% (5 -15 hari) - - -
b. Beban Modal 50% (16 - 30 hari) - - -
c. Beban Modal 75% (31 - 45 hari) - - -
d. Beban Modal 100% (lebih dari 45 hari) - - -
2 Non Delivery Versus Payment - - -
Total - - -
Tabel 4.5 Pengungkapan Eksposur Sekuritisasi
Table 4.5 Disclosure of Security Exposures
Posisi Tanggal Laporan
Position at Reporting Date
No. Jenis Transaksi
Nilai Eksposur Faktor Pengurang Modal ATMR setelah MRK
Exposure Value Capital Deduction Factor RWA After CRM
(1) (2) (3) (4) (5)
1 Fasilitas Kredit Pendukung yang Memenuhi Persyaratan - - -
2 Fasilitas Kredit Pendukung yang Tidak Memenuhi Persyaratan - - -
3 Fasilitas Likuiditas yang Memenuhi Persyaratan - - -
4 Fasilitas Likuiditas yang Tidak Memenuhi Persyaratan - - -
5 Pembelian Efek Beragun Aset yang Memenuhi Persyaratan - - -
6 Pembelian Efek Beragun Aset yang Tidak Memenuhi Persyaratan - - -
7 Eksposur Sekuritas yang Tidak Tercakup dalam Ketentuan Bank
Indonesia Mengenai Prinsip Kehati-Hatian dalam Aktivitas Sekuritisasi - - -
Aset bagi Bank Umum
Total - - -
212 PT Bank Ina Perdana Tbk
Page 215
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Portfolio Category
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(6) (7) (8) (2)
2.400.152 - - Receivables on Sovereigns
- - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banksand
- - -
International Institutions
- - - Receivables on Banks
Billing to Securities Companies and Other Financial Services Institutions
- - - Loans Secured by Residential Property
- - - Loans Secured by Commercial Real Estate
2.400.152 - - Total
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Portfolio Category
Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Net Receivables RWA before CRM RWA After CRM
(6) (7) (8) (2)
Delivery Versus Payment
- - - Capital Expense 8% (5 -15 days)
- - - Capital Expense 50% (16 -30 days)
- - - Capital Expense 75% (31 -45 days)
- - - Capital Expense 100% (more than 45 days)
- - - Non Delivery Versus Payment
- - - Total
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Type of Transaction
Nilai Eksposur Faktor Pengurang Modal ATMR setelah MRK
Exposure Value Capital Deduction Factor RWA After CRM
(6) (7) (8) (2)
- - - Eligible Credit Facilities
- - - Credit Facilities which do not Meet the Requirements
- - - Liquidity Facilities that Meet the Requirements
- - - Liquidity Facilities that do not Meet the Requirements
- - - Purchase of Asset-Backed Securities that Meet the Requirements
- - - Purchase of Asset-Backed Securities that do Not Meet the Requirements
Securitisation Exposures that are not Covered by the Provisions of
- - -
Bank Indonesia
- - - Total
PT Bank Ina Perdana Tbk 213
Page 216
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 4.6 Pengungkapan Eksposur di Unit Usaha Syariah
Table 4.6 Disclosure of Security Exposures
Bank tidak menjalankan usaha syariah.
The bank does not run a sharia business.
Tabel 4.7 Pengungkapan Total Pengukuran Risiko Kredit
Table 4.7 Disclosure of Total Credit Risk Measurements
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal
Posisi Tanggal Laporan Tahun
Laporan Sebelumnya
Position at Position at
Reporting Date Reporting Date of
the Previous Year
PERHITUNGAN ATMR CREDIT RISK RISK WEIGHTED
13.685.189 10.316.480
RISIKO KREDIT ASSETS CALCULATION
CREDIT RISK RWA DEDUCTION FACTORS:
FAKTOR PENGURANG ATMR RISIKO KREDIT:
The excess difference between the general
Selisih lebih antara cadangan umum PPA atas
- - reserve of PPA for productive assets
aset produktif yang wajib dihitung dan 1,25%
that must be calculated and
ATMR untuk Risiko Kredit
1.25% Credit Risk RWA
TOTAL ATMR RISIKO KREDIT 13.685.189 10.316.480 TOTAL RWA FOR CREDIT RISK
TOTAL FAKTOR PENGURANG MODAL - - TOTAL CAPITAL DEDUCTION FACTOR
Tabel 5 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Table 5 Disclosure of Market Risk Using Standardized Method
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Posisi Tanggal Laporan
Position at Reporting Date of
Position at Reporting Date
the Previous Year
Konsolidasian*) Konsolidasian*)
Bank Bank
No. Jenis Risiko Consolidated*) Consolidated*) Type of Risk
Beban Beban Beban Beban
Modal ATMR Modal ATMR Modal ATMR Modal ATMR
Capital RWA Capital RWA Capital RWA Capital RWA
Charge Charge Charge Charge
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
Risiko Suku Interest Rate
1 2460,51 30756,375 - - 1.712 21.402 - -
Bunga Risk
a. Risiko Spesifik 1336,98 - - - - - - - Specific Risk
b. Risiko Umum 1123,53 - - - - - - - General Risk
Risiko Nilai Foreign
2 382,14 4776,75 - - 801 10.018 - -
Tukar Exchange Risk
3 Risiko Ekuitas - - - - - - - - Equity Risk
Risiko
4 - - - - - - - - Commodity Risk
Komoditas
5 Risiko Option - - - - - - - - Option Risk
Total 5303,16 35533,125 - - 2.514 31.420 - - Total
*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud.
For banks that have subsidiaries that have defined risk exposure.
214 PT Bank Ina Perdana Tbk
Page 217
Laporan Tahunan 2024
2024 Annual Report
Tabel 6 Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Table 6 Quantitative Disclosure of Operational Risk - Bank Only
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date Position at Reporting Date of Previous Year
Modal Modal
Minimum Minimum
Komponen Risiko Komponen Risiko
Pendekatan Indikator Operasional Indikator Operasional Indicator
No. Beban Modal Beban Modal
yang Digunakan Bisnis Minimum ATMR Bisnis Minimum ATMR Approach
Capital Capital
Business Capital RWA Business Capital RWA
Charge Charge
Indicator Requirement Indicator Requirement
Components for Components for
Operational Operational
Risk Risk
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
Pendekatan Standardized
1 70.233,09 70.233,09 877.913,63 70.233,09 63.195,65 63.195,65 789.945,63 63.195,65
Standard Approach
Total 70.233,09 70.233,09 877.913,63 70.233,09 63.195,65 63.195,65 789.945,63 63.195,65 Total
Tabel 7 Pengungkapan Kuantitatif Risiko Operasional - Bank secara Konsolidasi dengan Perusahaan Anak
Table 7 Quantitative Disclosure of Operational Risk - Bank Consolidated with Subsidiaries
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date Position at Reporting Date of Previous Year
Modal Modal
Minimum Minimum
Pendekatan Komponen Risiko Komponen Risiko
Indikator Operasional Indikator Operasional Indicator
No. yang Beban Modal Beban Modal
Bisnis Minimum ATMR Bisnis Minimum ATMR Approach
Digunakan Capital Capital
Business Capital RWA Business Capital RWA
Charge Charge
Indicator Requirement Indicator Requirement
Components for Components for
Operational Operational
Risk Risk
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
Pendekatan Standardized
1 70.233,09 70.233,09 789.945,56 63.195,64 63.195,65 63.195,65 789.945,56 63.195,64
Standard Approach
Total 70.233,09 70.233,09 789.945,56 63.195,64 63.195,65 63.195,65 789.945,56 63.195,64 Total
PT Bank Ina Perdana Tbk 215
Page 218
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 8.1 Pengungkapan Profil Maturitas Rupiah - Bank secara Individu
Table 8.1 Quantitative Disclosure of Operational Risk - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Jatuh Tempo*)
Maturity *)
No. Pos - Pos
Saldo >1 Bulan s.d. >3 Bulan s.d. >6 Bulan s.d.
Balance ≤ 1 Bulan 3 Bulan 6 Bulan 12 Bulan >12 Bulan
≤ 1 Month >1 Month to 3 >3 Month to 6 >6 Month to >12 Month
Month Month 12 Month
(1) (2) (3) (4) (5) (6) (7) (8)
I. NERACA
A. Aset
1. Kas 122.269 122.269 - - - -
2. Penempatan pada
2.013.130 2.013.130 - - - -
Bank Indonesia
3. Penempatan pada Bank Lain 1.198.236 1.198.236 - - - -
4. Surat Berharga 6.221.059 756.912 1.269.103 636.539 713.463 2.845.042
5. Kredit yang Diberikan 13.096.196 3.197.673 1.630.331 819.288 1.262.577 6.186.327
6. Tagihan lainnya 376.056 347.250 22.881 1.512 4.412 -
7. Lain-lain - - - - - -
Total Aset 23.026.946 7.635.470 2.922.316 1.457.339 1.980.453 9.031.369
B. Kewajiban
1. Dana Pihak Ketiga 19.138.254 16.011.412 2.137.299 533.411 455.820 313
2. Kewajiban kepada
- - - - - -
Bank Indonesia
3. Kewajiban kepada Bank Lain 242.338 242.338 - - - -
4. Surat Berharga yang
- - - - - -
Diterbitkan
5. Pinjaman yang Diterima - - - - - -
6. Kewajiban Lainnya 45.847 35.501 6.128 1.964 2.253 -
7. Lain-lain - - - - - -
Total Kewajiban 19.426.438 16.289.251 2.143.427 535.374 458.073 313
Selisih Aset dengan Kewajiban
3.600.508 (8.653.781) 778.888 921.964 1.522.380 9.031.056
dalam Neraca
II. REKENING ADMINISTRATIF
A. Tagihan Rekening
Administratif
1. Komitmen 5.427 2.051 3.375 - - -
2. Kontijensi - - - - - -
Total Tagihan Rekening
5.427 2.051 3.375 - - -
Administratif
B. Kewajiban Rekening
Administratif
1. Komitmen 2.378.632 582.183 574.831 305.929 507.322 408.367
2. Kontijensi - - - - - -
Total Kewajiban Rekening
2.378.632 582.183 574.831 305.929 507.322 408.367
Administratif
Selisih Tagihan dan Kewajiban
(2.373.206) (580.132) (571.456) (305.929) (507.322) (408.367)
dalam Rekening Administratif
Selisih [(IA-IB)+(IIA-IIB)] 1.227.302 (9.233.913) 207.432 616.035 1.015.058 8.622.689
Selisih Kumulatif (9.233.913) (9.026.480) (8.410.445) (7.395.387) 1.227.302
216 PT Bank Ina Perdana Tbk
Page 219
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Jatuh Tempo*)
Maturity *)
Accounts
Saldo >1 Bulan s.d. 3 >3 Bulan s.d. 6 >6 Bulan s.d.
Balance ≤ 1 Bulan Bulan Bulan 12 Bulan >12 Bulan
≤ 1 Month >1 Month to 3 >3 Month to >6 Month to >12 Month
Month 6 Month 12 Month
(9) (10) (11) (12) (13) (14) (2)
BALANCE SHEET
Assets
66.968 66.968 - - - - Cash
2.734.839 2.734.839 - - - - Placement at Bank Indonesia
1.708.900 1.708.900 - - - - Placement at Other Bank
3.927.617 5.022 246.133 182.081 570.598 2.923.782 Marketable Securities
12.642.550 2.398.989 1.447.881 750.097 1.622.142 6.423.441 Loans
2.547.351 2.262.146 20.753 10.395 101 253.955 Other Receivables
- - - - - - Others
23.628.225 9.176.866 1.714.767 942.573 2.192.842 9.601.178 Total Assets
Liabilities
15.072.595 13.414.756 1.343.324 199.573 114.942 - Third Party Fund
- - - - - - Liabilities with Bank Indonesia
560.000 560.000 - - - - Liabilities with Other Bank
- - - - - - Securities Issued
- - - - - - Borriwings
317.718 317.718 - - - - Other Liabilities
- - - - - - Others
15.950.313 14.292.474 1.343.324 199.573 114.942 - Total Liabilities
On Balance Sheet Asset and
7.677.913 (5.115.609) 371.443 743.000 2.077.900 9.601.178
Liabilities Differences
OFF BALANCE SHEET
Off Balance Sheet Receivables
- - - - - - Commitment
- - - - - - Contingency
Total Off Balance Sheet
- - - - - -
Receivables
Off Balance Sheet Liabilities
20.225 20.225 - - - - Commitment
- - - - - - Contingency
20.225 20.225 - - - - Total Off Balance Sheet Liabilities
Off Balance Sheet Asset and
(20.225) (20.225) - - - -
Liabilities Differences
7.657.688 (5.135.834) 371.443 743.000 2.077.900 9.601.178 Differences [(IA-IB)+(IIA-IIB)]
(5.135.834) (4.764.391) (4.021.391) (1.943.491) 7.657.688 Cummulative Differences
PT Bank Ina Perdana Tbk 217
Page 220
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 8.2 Pengungkapan Profil Maturitas Valuta Asing - Bank secara Individu
Tabel 8.2 Disclosure of Foreign Exchange Maturity Profile - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Jatuh Tempo*)
Maturity *)
No. Pos - Pos
Saldo >1 Bulan s.d. >3 Bulan s.d. >6 Bulan s.d.
Balance ≤ 1 Bulan 3 Bulan 6 Bulan 12 Bulan >12 Bulan
≤ 1 Month >1 Month to 3 >3 Month to 6 >6 Month to >12 Month
Month Month 12 Month
(1) (2) (3) (4) (5) (6) (7) (8)
I. NERACA
A. Aset
1. Kas 16.606 16.606 - - - -
2. Penempatan pada
547.299 547.299 - - - -
Bank Indonesia
3. Penempatan pada Bank Lain - - - - - -
4. Surat Berharga 243.376 96.282 - - - 147.094
5. Kredit yang Diberikan 54.246 19.467 10.340 24.439 - -
6. Tagihan lainnya 58 58 - - - -
7. Lain-lain - - - - - -
Total Aset 861.585 679.712 10.340 24.439 - 147.094
B. Kewajiban
1. Dana Pihak Ketiga 962.027 926.111 20.073 4.864 10.980 -
2. Kewajiban kepada
- - - - - -
Bank Indonesia
3. Kewajiban kepada Bank Lain 96.570 96.570 - - - -
4. Surat Berharga yang
- - - - - -
Diterbitkan
5. Pinjaman yang Diterima - - - - - -
6. Kewajiban Lainnya 1.514 1.344 143 5 22 -
7. Lain-lain - - - - - -
Total Kewajiban 1.060.112 1.024.025 20.216 4.869 11.002 -
Selisih Aset dengan Kewajiban
(198.526) (344.313) (9.876) 19.570 (11.002) 147.094
dalam Neraca
II. REKENING ADMINISTRATIF
A. Tagihan Rekening
Administratif
1. Komitmen 181.130 181.130 - - - -
2. Kontijensi - - - - - -
Total Tagihan Rekening
181.130 181.130 - - - -
Administratif
B. Kewajiban Rekening
Administratif
1. Komitmen 7.307 7.307 - - - -
2. Kontijensi - - - - - -
Total Kewajiban Rekening
7.307 7.307 - - - -
Administratif
Selisih Tagihan dan Kewajiban
173.823 173.823 - - - -
dalam Rekening Administratif
Selisih [(IA-IB)+(IIA-IIB)] (24.703) (170.490) (9.876) 19.570 (11.002) 147.094
Selisih Kumulatif (170.490) (180.366) (160.796) (171.797) (24.703)
218 PT Bank Ina Perdana Tbk
Page 221
Laporan Tahunan 2024
2024 Annual Report
(dalam jutaan Rupiah / in millions of Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Jatuh Tempo*)
Maturity *)
Accounts
Saldo >1 Bulan s.d. >3 Bulan s.d. >6 Bulan s.d.
Balance ≤ 1 Bulan 3 Bulan 6 Bulan 12 Bulan >12 Bulan
≤ 1 Month >1 Month to 3 >3 Month to >6 Month to >12 Month
Month 6 Month 12 Month
(9) (10) (11) (12) (13) (14) (2)
BALANCE SHEET
Assets
4.594 4.594 - - - - Cash
508.327 508.327 - - - - Placement at Bank Indonesia
- - - - - - Placement at Other Bank
90.591 - - - - 90.591 Marketable Securities
682.490 654.108 14.949 4.277 9.156 - Loans
7.675 7.675 - - - - Other Receivables
- - - - - - Others
1.293.677 1.174.704 14.949 4.277 9.156 90.591 Total Assets
Liabilities
682.490 654.108 14.949 4.277 9.156 - Third Party Fund
- - - - - - Liabilities with Bank Indonesia
- - - - - - Liabilities with Other Bank
- - - - - - Securities Issued
- - - - - - Borriwings
927 867 30 9 20 - Other Liabilities
- - - - - - Others
683.417 654.975 14.979 4.287 9.177 - Total Liabilities
On Balance Sheet Asset and Liabilities
610.260 519.729 (30) (9) (20) 90.591
Differences
OFF BALANCE SHEET
Off Balance Sheet Receivables
- - - - - - Commitment
- - - - - - Contingency
- - - - - - Total Off Balance Sheet Receivables
Off Balance Sheet Liabilities
36.385 36.385 - - - - Commitment
- - - - - - Contingency
36.385 36.385 - - - - Total Off Balance Sheet Liabilities
Off Balance Sheet Asset and Liabilities
(36.385) (36.385) - - - -
Differences
573.875 483.344 (30) (9) (20) 90.591 Differences [(IA-IB)+(IIA-IIB)]
483.344 483.314 483.304 483.284 573.875 Cummulative Differences
PT Bank Ina Perdana Tbk 219
Page 222
TATA KELOLA PERUSAHAAN 220 PT Bank Ina Perdana Tbk
Page 223
Corporate Governance
PT Bank Ina Perdana Tbk 221
Page 224
Tata Kelola Perusahaan
Corporate Governance
Komitmen dan Tujuan Penerapan
Good Corporate Governance
Commitment to and Purpose of Good Corporate Governance
Implementation
Bank INA berkomitmen untuk menjaga kinerja jangka panjang Bank INA is committed to maintain its long-term performance
dan menciptakan nilai berkelanjutan bagi seluruh pemangku and creating sustainable values for all stakeholders through
kepentingan melalui penerapan tata kelola yang baik (good the implementation of Good Corporate Governance (GCG). In
corporate governance/GCG). Dalam implementasi GCG, Bank the implementation of GCG, the Bank is upholding ethics and
menjunjung tinggi etika dan integritas guna membangun integrity to build trust, improving transparency, as well as ensuring
kepercayaan, meningkatkan transparansi, serta memastikan accountability in every operational aspect.
akuntabilitas di setiap aspek operasional.
Sebagai wujud komitmen tersebut, Bank secara konsisten As a realization of the commitment, the Bank is consistently
menerapkan GCG sesuai dengan tujuan yang telah ditetapkan, yaitu: implementing GCG in line with the established objectives, namely:
1. Meningkatkan corporate value agar memiliki daya saing yang 1. Improving corporate values in order to have strong
kuat, baik di tingkat nasional maupun regional; competitiveness, at national and regional levels;
2. Mendorong setiap karyawan untuk selalu menekankan budaya 2. Encouraging every employee to always emphasize the GCG
GCG dalam setiap pengambilan keputusan yang dilandasi nilai culture in every decision making based on the prevailing values
dan norma yang berlaku serta tingkat kepatuhan yang tinggi and norms and the high level of compliance with the applicable
terhadap peraturan perundang-undangan yang berlaku; laws and regulations;
3. Meningkatkan kinerja Bank melalui program-program efisiensi 3. Improving the Bank’s performance through corporate efficiency
perusahaan yang tercipta dari implementasi budaya GCG pada programs that are created from the implementation of GCG
seluruh kegiatan operasional Bank; serta culture in all of the Bank’s operational activities; and
4. Meningkatkan kepercayaan investor dan menempatkan Bank 4. Increasing investor trust and placing the Bank as the main
sebagai pilihan utama tempat berinvestasi. choice for investment.
Dasar Penerapan GCG
Basis of GCG Implementation
Penerapan GCG di Bank berpedoman pada peraturan dan kebijakan The implementation of GCG in the Bank is guided by the following
berikut: regulations and policies:
1. Undang-Undang Republik Indonesia No. 40 Tahun 2007 1. Law of the Republic of Indonesia No. 40 of 2007 on Limited
tentang Perseroan Terbatas sebagaimana telah diubah Liability Companies as amended several times, most recently
beberapa kali terakhir dengan Peraturan Pemerintah Pengganti by Government Regulation in Lieu of Law No. 2 of 2022 on Job
Undang-Undang No. 2 Tahun 2022 tentang Cipta Kerja. Creation.
2. Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan 2. Law no. 4 of 2023 on Development and Strengthening of the
Penguatan Sektor Keuangan. Financial Sector.
3. Undang-Undang Republik Indonesia No. 7 Tahun 1992 3. Law of the Republic of Indonesia No. 7 of 1992 on Banking as
tentang Perbankan sebagaimana telah diubah beberapa kali amended several times, most recently with Law No. 4 of 2023
terakhir dengan Undang-Undang No. 4 Tahun 2023 tentang on Development and Strengthening of the Financial Sector.
Pengembangan dan Penguatan Sektor Keuangan.
4. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 4. Financial Services Authority Regulation No. 18/POJK.03/2014
tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi on Implementation of Integrated Governance for Financial
Keuangan sebagaimana telah diubah dan dicabut sebagian Conglomeration as amended and partially revoked by Financial
dengan Peraturan Otoritas Jasa Keuangan No. 30 Tahun 2024 Services Authority Regulation No. 30 of 2024 on Financial
tentang Konglomerasi Keuangan dan Perusahaan Induk Conglomeration and Financial Conglomeration Holding
Konglomerasi Keuangan. Companies.
5. Peraturan Otoritas Jasa Keuangan No. 33/POJK.04/2014 tentang 5. Financial Services Authority Regulation No. 33/POJK.04/2014
Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik. on Board of Directors and Board of Commissioners of Issuers or
Public Companies.
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6. Peraturan Otoritas Jasa Keuangan No. 34/POJK.04/2014 tentang 6. Financial Services Authority Regulation No. 34/POJK.04/2014
Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik. on Nomination and Remuneration Committee of Issuers or
Public Companies.
7. Peraturan Otoritas Jasa Keuangan No. 35/POJK.04/2014 7. Financial Services Authority Regulation No. 35/POJK.04/2014
tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik. on Corporate Secretary of Issuers or Public Companies.
8. Peraturan Otoritas Jasa Keuangan No. 8/POJK.04/2015 tentang 8. Financial Services Authority Regulation No. 8/POJK.04/2015 on
Situs Web Emiten atau Perusahaan Publik. Website of Issuers or Public Companies.
9. Peraturan Otoritas Jasa Keuangan No. 21/POJK.04/2015 9. Financial Services Authority Regulation No. 21/POJK.04/2015
tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka. on Implementation of Public Company Governance Guidelines.
10. Peraturan Otoritas Jasa Keuangan No. 31/POJK.04/2015 tentang 10. Financial Services Authority Regulation No. 31/POJK.04/2015
Keterbukaan atas Informasi atau Fakta Material oleh Emiten atau on Disclosure of Information or Material Facts by Issuers or
Perusahaan Publik sebagaimana telah dicabut sebagian dengan Public Companies as partially revoked by Financial Services
Peraturan Otoritas Jasa Keuangan No. 45 Tahun 2024 tentang Authority Regulation No. 45 of 2024 on the Development and
Pengembangan dan Penguatan Emiten dan Perusahaan Publik. Strengthening of Issuers and Public Companies.
11. Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2015 11. Financial Services Authority Regulation No. 45/POJK.03/2015
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi on Implementation of Governance in Providing Remuneration
bagi Bank Umum. for Commercial Banks.
12. Peraturan Otoritas Jasa Keuangan No. 55/POJK.04/2015 tentang 12. Financial Services Authority Regulation No. 55/POJK.04/2015
Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. on Establishment of and Work Guidelines for Audit Committee.
13. Peraturan Otoritas Jasa Keuangan No. 56/POJK.04/2015 tentang 13. Financial Services Authority Regulation No. 56/POJK.04/2015
Pembentukan dan Pedoman Penyusunan Piagam Unit Audit on Formation and Guidelines for Preparation of Internal Audit
Internal. Unit Charter.
14. Peraturan Otoritas Jasa Keuangan No. 4/POJK/03/2016 tentang 14. Financial Services Authority Regulation No. 4/POJK/03/2016 on
Penilaian Tingkat Kesehatan Bank Umum. Soundness Rating of Commercial Banks.
15. Peraturan Otoritas Jasa Keuangan No. 5/POJK.03/2016 15. Financial Services Authority Regulation No. 5/POJK.03/2016 on
tentang Rencana Bisnis Bank Umum sebagaimana telah Business Plans for Commercial Banks as partially revoked by
dicabut sebagian dengan Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation No. 12/POJK.03/2021
No. 12/POJK.03/2021 Tahun 2021 tentang Bank Umum. of 2021 on Commercial Banks.
16. Peraturan Otoritas Jasa Keuangan No. 9/POJK.03/2016 tentang 16. Financial Services Authority Regulation No. 09/POJK.03/2016
Prinsip Kehati-hatian Bank Umum yang Melakukan Penyerahan on Prudential Principles of Commercial Banks that Outsource
sebagian Pelaksanaan Kerja kepada Pihak Lain. Partial Work to Other Parties.
17. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 tentang 17. Financial Services Authority Regulation No. 18/POJK.03/2016
Penerapan Manajemen Risiko bagi Bank Umum sebagaimana on Implementation of Risk Management for Commercial Banks
telah dicabut sebagian dengan Peraturan Otoritas Jasa Keuangan as partially revoked by Financial Services Authority Regulation
No. 13/POJK.03/2021 Tahun 2021 tentang Penyelenggaraan No. 13/POJK.03/2021 of 2021 on Implementation of Commercial
Produk Bank Umum. Bank Products.
18. Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 18. Financial Services Authority Regulation No. 27/POJK.03/2016
tentang Penilaian Kemampuan dan Kepatutan bagi Pihak on Fit and Proper Test for Main Parties of Financial Services
Utama Lembaga Jasa Keuangan. Institutions.
19. Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 19. Financial Services Authority Regulation No. 11/POJK.03/2016
tentang Kewajiban Penyediaan Modal Minimum bagi Bank on the Minimum Capital Adequacy Ratio for Commercial Banks
Umum sebagaimana telah diubah beberapa kali terakhir as amended several times, most recently by Financial Services
dengan Peraturan Otoritas Jasa Keuangan No. 27 Tahun 2022. Authority Regulation No. 27 of 2022.
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20. Peraturan Otoritas Jasa Keuangan No. 56/POJK.03/2016 20. Financial Services Authority Regulation No. 56/POJK.03/2016
tentang Kepemilikan Saham Bank Umum. on Share Ownership of Commercial Banks.
21. Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2017 21. Financial Services Authority Regulation No. 46/POJK.03/2017
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. on Implementation of Compliance Functions for Commercial
Banks
22. Peraturan Otoritas Jasa Keuangan No. 32/POJK.03/2018 22. Financial Services Authority Regulation No. 32/POJK.03/2018
tentang Batas Maksimum Pemberian Kredit dan Penyediaan on Legal Lending Limit and Provision of Large Exposure for
Dana Besar bagi Bank Umum sebagaimana telah diubah dengan Commercial Bank as amended by Financial Services Authority
Peraturan Otoritas Jasa Keuangan No. 38/POJK.03/2019. Regulation No. 38/POJK.03/2019.
23. Peraturan Otoritas Jasa Keuangan No. 1/POJK.03/2019 tentang 23. Financial Services Authority Regulation No. 1/POJK.03/2019
Penerapan Fungsi Audit Intern Bank Umum. on Implementation of Internal Audit Function for Commercial
Banks.
24. Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 tentang 24. Financial Services Authority Regulation No. 37/POJK.03/2019
Transparansi dan Publikasi Laporan Bank sebagaimana telah on Transparency and Publication of Bank Reports as partially
dicabut sebagian dengan Peraturan Otoritas Jasa Keuangan revoked by Financial Services Authority Regulation No. 13 of
No. 13 Tahun 2024 tentang Transparansi dan Publikasi Suku 2024 on Transparency and Publication of Prime Lending Rate
Bunga Dasar Kredit bagi Bank Umum Konvensional. for Conventional Commercial Banks.
25. Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2022 tentang 25. Financial Services Authority Regulation No. 11/POJK.03/2022
Penyelenggaraan Teknologi Informasi oleh Bank Umum. on Implementation of Information Technology by Commercial
Banks.
26. Peraturan Otoritas Jasa Keuangan Republik Indonesia 26. Financial Services Authority Regulation No. 12/POJK.03/2021
No. 12/POJK.03/2021 tentang Bank Umum. on Commercial Banks.
27. Peraturan Otoritas Jasa Keuangan No. 9 Tahun 2023 tentang 27. Financial Services Authority Regulation No. 9 of 2023 on the Use
Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik of Public Accountant and Public Accounting Firm in Financial
dalam Kegiatan Jasa Keuangan. Services Activities.
28. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang 28. Financial Service Authority Regulation No. 17 of 2023 on
Penerapan Tata Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
29. Surat Edaran Otoritas Jasa Keuangan No. 32/SEOJK.04/2015 29. Financial Services Authority Circular No. 32/SEOJK.04/2015 on
tentang Pedoman Tata Kelola Perusahaan Terbuka. Guidelines for Public Company Governance.
30. Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 30. Financial Services Authority Circular No. 34/SEOJK.03/2016 on
tentang Penerapan Manajemen Risiko bagi Bank Umum. Implementation of Risk Management for Commercial Banks.
31. Surat Edaran Otoritas Jasa Keuangan No. 39/SEOJK.03/2016 31. Financial Services Authority Circular No. 39/SEOJK.03/2016
tentang Penilaian Kemampuan dan Kepatuhan bagi Calon on Capability and Compliance Assessment for Prospective
Pemegang Saham Pengendali, Calon Anggota Direksi, dan Controlling Shareholders, Prospective Board of Directors’
Calon Anggota Komisaris Bank. Members, and Prospective Board of Commissioners’ Members
of Banks.
32. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 32. Financial Services Authority Circular Letter No. 13/SEOJK.03/2017
tentang Penerapan Tata Kelola bagi Bank Umum. on Implementation of Governance for Commercial Banks.
33. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 33. Financial Services Authority Circular No. 14/SEOJK.03/2017 on
tentang Penilaian Tingkat Kesehatan Bank Umum. Assessment of Soundness Level of Commercial Banks
34. Surat Edaran Otoritas Jasa Keuangan No. 21/SEOJK.03/2017 34. Financial Services Authority Circular No. 21/SEOJK.03/2017 on
tentang Penerapan Manajemen Risiko dalam Penggunaan Implementation of Risk Management in the Use of Information
Teknologi Informasi oleh Bank Umum. Technology by Commercial Banks.
35. Surat Edaran Otoritas Jasa Keuangan No. 35/SEOJK.03/2017 35. Financial Services Authority Circular No. 35/SEOJK.03/2017 on
tentang Pedoman Standar Sistem Pengendalian Intern bagi Standard Guidelines of Internal Control System for Commercial
Bank Umum. Banks.
36. Surat Edaran Otoritas Jasa Keuangan No. 40/SEOJK.03/2016 36. Financial Services Authority Circular No. 40/SEOJK.03/2016 on
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi the Implementation of Governance in Providing Remuneration
bagi Bank Umum. for Commercial Banks.
37. Surat Edaran Otoritas Jasa Keuangan No. 9/SEOJK.03/2020 37. Financial Services Authority Circular No. 9/SEOJK.03/2020 on
tentang Transparansi dan Publikasi Laporan Bank Umum Transparency and Publication of Conventional Commercial
Konvensional sebagaimana telah dicabut sebagian dengan Bank Reports as partially revoked by Financial Services
Peraturan Otoritas Jasa Keuangan No. 13 Tahun 2024 tentang Authority Regulation No. 13 of 2024 on Transparency and
Transparansi dan Publikasi Suku Bunga Dasar Kredit bagi Bank Publication of Prime Lending Rate for Conventional Commercial
Umum Konvensional. Banks.
38. Surat Edaran Otoritas Jasa Keuangan No. 12/SEOJK.03/2021 38. Financial Services Authority Circular No. 12/SEOJK.03/2021 on
tentang Rencana Bisnis Bank Umum. Business Plans for Commercial Banks.
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Penerapan Prinsip GCG
Implementation of GCG Principles
Sebagai wujud komitmen dalam menjaga kepercayaan pemangku As a form of commitment to maintain stakeholders trust,
kepentingan, Bank INA memastikan penerapan prinsip-prinsip Bank INA ensures an effective implementation of GCG Principles.
GCG secara efektif. Implementasi prinsip-prinsip ini mengacu pada The implementation of these principles refers to the General
Pedoman Umum Governansi Korporat Indonesia (PUGKI) 2021 Guidelines of Indonesian Corporate Governance (PUGKI) 2021
yang diterbitkan oleh Komite Nasional Kebijakan Governansi. published by the National Committee of Governance Policy.
Berikut adalah penjelasan mengenai prinsip-prinsip GCG yang Following are the explanation regarding the GCG principles
diterapkan di Bank. implemented in the Bank.
Perilaku Beretika / Ethical Behavior
Bank senantiasa mengedepankan kejujuran, memperlakukan semua pihak dengan hormat (respect), memenuhi komitmen,
membangun serta menjaga nilai-nilai moral dan kepercayaan secara konsisten. Bank juga memperhatikan kepentingan
Pemegang Saham dan pemangku kepentingan lainnya berdasarkan asas kewajaran dan kesetaraan (fairness) dan dikelola secara
independen sehingga masing-masing organ Bank tidak saling mendominasi dan tidak dapat diintervensi oleh pihak lainnya.
The Bank always prioritizes honesty, treats all parties with respect, fulfills commitments, builds and maintains moral values and
trust consistently. The Bank also pays attention to the interests of Shareholders and other stakeholders based on the principles of
fairness and equality (fairness) and is managed independently so that each organ of the Bank does not dominate each other and
cannot be intervened by other parties.
Akuntabilitas / Accountability
Bank dapat mempertanggungjawabkan kinerjanya secara transparan dan wajar. Untuk itu, Bank harus dikelola dengan benar,
terukur, dan sesuai dengan kepentingan korporat dengan tetap mempertimbangkan kepentingan Pemegang Saham dan
pemangku kepentingan. Akuntabilitas merupakan prasyarat yang diperlukan untuk mencapai kinerja yang berkelanjutan.
The Bank is accountable for its performance in a transparent and fair manner. To that end, the Bank must be managed properly,
measurably, and in accordance with corporate interests while taking into account the interests of Shareholders and stakeholders.
Accountability is a necessary prerequisite for achieving sustainable performance.
Transparansi / Transparency
Untuk menjaga objektivitas dalam menjalankan bisnis, Bank menyediakan informasi yang material dan relevan dengan cara
yang mudah diakses dan dipahami oleh pemangku kepentingan. Bank mengambil inisiatif untuk mengungkapkan tidak hanya
masalah yang diisyaratkan oleh peraturan perundang-undangan, tetapi juga hal yang penting untuk pengambilan keputusan oleh
Pemegang Saham, kreditur, dan pemangku kepentingan lainnya.
To maintain objectivity in conducting business, the Bank provides material and relevant information in a manner that is easily
accessible and understood by stakeholders. The Bank takes the initiative to disclose not only matters required by laws and
regulations, but also matters that are important for decision making by Shareholders, creditors, and other stakeholders.
Keberlanjutan /Sustainability
Bank mematuhi peraturan perundang-undangan dan berkomitmen melaksanakan tanggung jawab terhadap masyarakat dan
lingkungan, agar berkontribusi pada pembangunan berkelanjutan melalui kerja sama dengan semua pemangku kepentingan
terkait untuk meningkatkan kehidupan yang selaras dengan kepentingan bisnis dan agenda pembangunan berkelanjutan.
The Bank complies with legislation and is committed to carrying out its responsibilities towards society and the environment, in
order to contribute to sustainable development through cooperation with all relevant stakeholders to improve life in line with
business interests and the sustainable development agenda.
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Peningkatan Kualitas Penerapan GCG
Improvement of GCG Implementation Quality
Bank secara konsisten berupaya meningkatkan kualitas penerapan The Bank is consistently striving to improve the quality of GCG
GCG guna menyempurnakan tata kelola organisasi, menjaga implementation to refine organizational governance, maintain the
keberlangsungan proses bisnis, serta mengoptimalkan nilai dan sustainability of business process, and optimizing the value and
manfaat bagi Pemegang Saham. Proses ini dilakukan secara berkala benefits for Shareholders. This process is carried out periodically
pada setiap aspek dan organ GCG dengan mengacu pada Pedoman in every aspect and organ of GCG with reference to Governance
Penerapan Tata Kelola No. KSP/CSC/005/02/0424 tertanggal 16 April Implementation Guidelines No. KSP/CSC/005/02/0424 dated
2024, yang merupakan penyempurnaan dari Pedoman Pelaksanaan April 16, 2024, which is an improvement from the GCG Implementation
GCG No. COM/001/01/1215 tanggal 1 Desember 2015. Guidelines No. COM/001/01/1215 dated December 1, 2015.
Penilaian Penerapan GCG
Assessment of GCG Implementation
Bank INA secara berkala melaksanakan penilaian penerapan GCG Bank INA periodically implements the assessment of GCG that
yang melibatkan Dewan Komisaris, Direksi, Pejabat Eksekutif, involved the Board of Commissioners, Board of Directors, Executive
serta seluruh divisi. Penilaian ini dilakukan melalui metode Officers, and all divisions. This assessment is carried out using
self-assessment untuk memastikan kepatuhan terhadap peraturan self-assessment method to ensure compliance with the applicable
dan standar yang berlaku serta mengevaluasi efektivitas regulations and standards, as well as evaluating the effectiveness
implementasi GCG. Cakupan penilaian mencakup governance of GCG implementation. The assessment includes governance
structure, governance process, dan governance outcome pada structure, governance process, and governance outcome of each
masing-masing organ yang ada di Bank. organ in the Bank.
Dasar Penilaian Penerapan GCG Basis for Assessment of GCG Implementation
Dasar penilaian penerapan GCG mengacu pada Peraturan Otoritas The basis for assessment of GCG implementation refers to Financial
Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Tata Kelola Services Authority Regulation No. 17 of 2023 on the Implementation
bagi Bank Umum serta Surat Edaran Otoritas Jasa Keuangan of Governance for Commercial Banks and the Financial Services
No. 13/SEOJK.03/2017. Berdasarkan peraturan tersebut, Bank Authority Circular Letter No. 13/SEOJK.03/2017. Based on these
diwajibkan untuk melaksanakan penilaian sendiri terhadap regulations, the Bank is required to conduct self-assessment on
penerapan GCG minimal 2 kali dalam 1 tahun buku. the implementation of GCG at least 2 times in 1 fiscal year.
Kriteria Penilaian Penerapan GCG Criteria for Assessment of
GCG Implementation
Dalam penilaian penerapan GCG, Bank INA menggunakan kriteria In the assessment of GCG implementation, Bank INA is using
yang berpedoman pada prinsip-prinsip GCG yang berlaku dan criteria guided by applicable GCG principles and are classified in
diklasifikasikan dalam governance system. Sistem ini terdiri dari the governance system. This system consists of 3 main aspects,
3 aspek utama, yaitu governance structure, governance process, namely governance structure, governance process, and governance
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dan governance outcome. Berdasarkan aspek tersebut, terdapat outcome. Based on these aspects, there are 16 assessment factors,
16 faktor penilaian yang meliputi: which consists of:
1. Pelaksanaan tugas, tanggung jawab, dan wewenang Dewan 1. Implementation of Board of Commissioners’ duties and
Komisaris; responsibilities;
2. Pelaksanaan tugas, tanggung jawab, dan wewenang Direksi; 2. Implementation of Board of Directors’ duties, responsibilities,
and authorities;
3. Kelengkapan dan pelaksanaan tugas Komite; 3. Completeness and implementation of Committee’s duties;
4. Penanganan benturan kepentingan; 4. Handling of conflict of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance function;
6. Penerapan fungsi audit internal; 6. Implementation of internal audit function;
7. Penerapan fungsi audit eksternal; 7. Implementation of external audit function;
8. Penerapan manajemen risiko, termasuk sistem pengendalian 8. Implementation of risk management, including internal control
internal; system;
9. Pemberian remunerasi; 9. Provision of remuneration;
10. Penyediaan dana kepada pihak terkait (related party) dan 10. Provision of funds to related party and provision of large
penyediaan dana besar (large exposure); exposure;
11. Integritas pelaporan dan sistem teknologi informasi; 11. Integrity of reporting and information technology system;
12. Rencana strategis Bank; 12. The Bank’s strategic plan;
13. Aspek Pemegang Saham; 13. The Shareholders’ aspect;
14. Penerapan strategi anti-fraud, termasuk anti penyuapan; 14. Implementation of anti-fraud strategy, and anti-bribery;
15. Penerapan keuangan berkelanjutan, termasuk penerapan 15. Implementation of sustainable finance, implementation of
tanggung jawab sosial dan lingkungan; serta social and environmental responsibilities; and
16. Penerapan tata kelola dalam kelompok usaha Bank. 16. Implementation of governance in Bank’s business group.
Pihak Pelaksana Penilaian Penerapan GCG Assessor of GCG Implementation
Penilaian sendiri atas penerapan GCG dilakukan oleh Compliance Self-assessment of GCG implementation is conducted by the
and AML-CFT Division dengan melibatkan seluruh divisi, departemen, Compliance and AML-CFT Division, involving all of the related
dan unit kerja terkait. divisions, departments and work units.
Hasil Penilaian Sendiri Penerapan GCG
GCG Implementation Self-Assessment Results
Indikator Peringkat Definisi Peringkat
Indicator Rating Rating Definition
Mencerminkan manajemen Bank telah melakukan penerapan tata kelola yang secara umum baik. Hal ini
tercermin dari pemenuhan yang memadai atas prinsip tata kelola. Dalam hal terdapat kelemahan penerapan
prinsip tata kelola, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan
normal oleh manajemen Bank.
Individual 2
Reflecting that the Bank’s management has implemented generally good governance. This is reflected in the
adequate fulfillment of the governance principles. In the event that there are weaknesses in the implementation
of governance principles, in general these weaknesses are less significant and can be resolved by normal actions
by the Bank’s management.
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Corporate Governance
Berdasarkan analisis terhadap seluruh kriteria atau indikator Based on the analysis of overall criteria or indicator of GCG
terhadap penilaian penerapan GCG pada tahun 2024, disimpulkan implementation assessment in 2024, it is concluded that the rating
bahwa peringkat faktor penerapan Tata Kelola Bank INA berada of Bank INA’s governance factor was at Rating 2 or “Good”, with
di Peringkat 2 atau “Baik”, dengan analisis sebagai berikut. the following analysis.
Aspek struktur Tata Kelola di Bank INA telah dilaksanakan Bank INA has adequately implemented the governance
secara memadai, antara lain tercermin dari: structure aspect, as reflected in:
• Telah terbentuk Struktur Organisasi yang lebih dinamis dan • Establishment of Organizational Structure that is more
selaras dengan Visi dan Misi Bank, yaitu dengan Visi “Menjadi dynamic and in line with the Bank’s Vision and Mission,
bank nasional pilihan utama masyarakat” dan Misi yang salah namely with Vision “To become the people’s first choice of
satu isinya adalah “Menunjang perekonomian Indonesia, national bank” and one point of the Mission, “Supporting
melalui penyediaan produk dan layanan perbankan umum the Indonesian economy, through the provision of general
serta digital yang mendukung keberhasilan nasabah individu, and digital banking products and services that support the
UMKM, dan korporasi”. Hal ini tercermin dalam Struktur success of individual customers, MSMEs, and Corporations”.
Organisasi Bank berdasarkan Surat Keputusan Direksi This is reflected in the Bank’s Organizational Structure
No. SK/DIR/054a/0824 tentang Perubahan Struktur based on Board of Directors Decision No. SK/DIR/054a/0824
Organisasi Kantor Pusat PT Bank Ina Perdana Tbk; on Changes to the Organizational Structure of Head Office of
PT Bank Ina Perdana Tbk;
• Seluruh Anggota Direksi dan Dewan Komisaris telah • All members of the Board of Directors and Board of
lulus Penilaian Kemampuan dan Kepatutan dan telah Commissioners have passed the Fit and Proper Test and
memperoleh surat persetujuan dari regulator baik dari have obtained approval letters from the regulator, both
Otoritas Jasa Keuangan maupun Bank Indonesia. Komposisi from Financial Services Authority and Bank Indonesia.
anggota Direksi dan Dewan Komisaris telah sesuai dengan The composition of members of the Board of Directors
regulasi yang berlaku; and Board of Commissioners is in accordance with the
applicable regulations;
• Dewan Komisaris telah memastikan bahwa Direksi telah • The Board of Commissioners has ensured that the Board
menindaklanjuti temuan audit dan rekomendasi dari of Directors has followed up the audit findings and
Satuan Kerja Audit Internal (SKAI), auditor eksternal, hasil recommendations from Internal Audit Work Unit (SKAI),
pengawasan Otoritas Jasa Keuangan, dan/atau hasil external auditor, supervisory results of Financial Services
pengawasan otoritas lainnya; Authority, and/or supervisory results of other authorities;
• Komposisi keanggotaan Komite Audit, Komite Pemantau • The composition of members of the Audit Committee,
Risiko, serta Komite Remunerasi dan Nominasi telah Risk Monitoring Committee, as well as Remuneration and
sesuai dengan regulasi yang berlaku dan telah diangkat Nomination Committee is in accordance with the applicable
berdasarkan keputusan rapat Dewan Komisaris yang regulations and has been appointed based on decision of
kemudian ditetapkan melalui Surat Keputusan Direksi; the Board of Commissioners meeting before later formalized
with Board of Directors Decision;
Governance Structure
• Bank telah melakukan pengkinian kebijakan internal, baik • The Bank has updated its internal policies, both in the
di bidang perkreditan, operasional, manajemen risiko, credit, operations, risk management, and IT in line with
serta IT yang disesuaikan dengan ketentuan regulator, the regulatory provisions, both from Financial Services
baik Otoritas Jasa Keuangan, Bank Indonesia, maupun Authority, Bank Indonesia, and other statutory provisions to
ketentuan perundang-undangan lainnya sebagai penunjang support the Bank’s operational activities;
jalannya operasional Bank;
• Bank telah menyediakan SDM yang berkualitas dan • The Bank has prepared quality and competent human
berkompeten, yang tercermin dengan diberikannya resources, as evident from the training opportunities
kesempatan pelatihan bagi seluruh Karyawan untuk provided for all Employees to improve their capabilities in
meningkatkan kemampuannya dalam rangka menunjang improving the Bank’s performance through certification,
peningkatan kinerja Bank melalui sertifikasi, training/ training, webinars and seminars, both organized internally
pelatihan, webinar maupun seminar, baik yang and externally;
diselenggarakan oleh internal maupun eksternal;
• Pelaksanaan transparansi kondisi keuangan dan • Implementation of transparency of financial and non-
non-keuangan sesuai ketentuan yang berlaku yang financial conditions in accordance with the applicable
disampaikan setiap periodik; provisions with periodic submission
• Terdapat sistem informasi yang cukup andal yang didukung • Fairly reliable information system is existed, supported
oleh SDM yang kompeten dan TI sistem keamanan yang by competent human resources and adequate IT security
memadai; system;
• Direksi telah menyusun Rencana Korporasi dan Rencana • The Board of Directors has prepared a Corporate Plan and
Bisnis Bank (RBB) yang telah disetujui Dewan Komisaris dan Bank’s Business Plan (RBB) which has been approved by
sudah disampaikan kepada Otoritas Jasa Keuangan; the Board of Commissioners and submitted to Financial
Services Authority;
• Bank telah menyusun dan menerapkan strategi anti-fraud • The Bank has prepared and implemented an anti-fraud
serta membentuk unit kerja atau fungsi yang bertugas strategy and formed a work unit or function to handle the
menangani penerapan strategi anti-fraud di dalam Bank; implementation of anti-fraud strategy in the Bank; and
serta
• Bank telah menerapkan keuangan berkelanjutan dalam • The Bank has implemented sustainable finance in its
kegiatan usahanya dan menyusun Rencana Aksi Keuangan business activities and prepared a Sustainable Finance
Berkelanjutan (RAKB) yang disampaikan setiap tahun Action Plan (RAKB) which is submitted annually to Financial
kepada Otoritas Jasa Keuangan. Services Authority.
228 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Aspek proses Tata Kelola di Bank INA telah dilaksanakan Bank INA has implemented the governance process aspect
dengan baik, antara lain tercermin dari: well, as reflected in:
• Direksi telah mengangkat anggota Komite di bawah Dewan • The Board of Directors has appointed members of
Komisaris berdasarkan keputusan rapat Dewan Komisaris Committee under the Board of Commissioners based on
yang kemudian ditetapkan melalui Surat Keputusan Direksi. decision of Board of Commissioners meeting which then
Komite yang dibentuk tersebut (Komite Audit, Komite formalized with Board of Directors Decision. The established
Pemantau Risiko, serta Komite Remunerasi dan Nominasi) committees (Audit Committee, Risk Monitoring Committee,
telah menyelenggarakan rapat sesuai dengan ketentuan Remuneration and Nomination Committee) have held
dan hasil rapatnya telah direkomendasikan ke Dewan meetings in line with the provisions and meeting results
Komisaris dalam mengambil keputusan; have been submitted as recommended to the Board of
Commissioners in the decision-making;
• Temuan audit internal, audit eksternal, hasil pengawasan • Findings from internal audit, external audit, supervisory
Otoritas Jasa Keuangan, dan/atau hasil pengawasan results of Financial Services Authority, and/or supervisory
otoritas lain telah ditindaklanjuti sesuai komitmen yang results of other authorities have been followed up in line
telah ditetapkan; with the preset commitments;
• Sepanjang tahun 2024, tidak terdapat benturan kepentingan • Throughout 2024, there was no conflict of interest and no
dan tidak terdapat intervensi dari pemilik atau pihak terkait intervention from the owner or related parties or other
atau pihak lain terhadap pengambilan keputusan dalam parties on the decision-making in provision of funds. It
penyediaan dana. Hal ini menunjukkan bahwa penerapan shows that the well-implemented Governance at Bank INA;
Tata Kelola di Bank INA sudah berjalan dengan baik;
• Penerapan Fungsi Kepatuhan telah diimplementasikan • The Compliance Function has been implemented optimally
secara optimal pada setiap aktivitas Bank dengan in every Bank activity by considering the prudence principle
memperhatikan prinsip kehati-hatian terhadap rencana on credit facility provision plan, credit and non-credit policy
pemberian fasilitas kredit, rencana penerbitan kebijakan issuance plan, product issuance plan and other activities,
bidang perkreditan dan non-perkreditan, rencana office network expansion plan, as well as providing opinion
penerbitan produk dan aktivitas lainnya, rencana as requested by other work units. Also, the Compliance
pengembangan jaringan kantor serta pemberian opini Work Unit conducts resume and analysis of the impact of
Governance Process sesuai permintaan unit kerja lain. Selain itu, Satuan Kerja new regulations issued by regulators with impact on the
Kepatuhan juga melakukan resume dan analisa dampak Bank’s activities and business continuity;
atas peraturan baru yang telah diterbitkan oleh regulator
yang memiliki dampak terhadap aktivitas dan kelangsungan
usaha Bank;
• Penerapan manajemen risiko telah dilaksanakan sesuai • The implementation of risk management has been conducted
Kebijakan No. KSP/DMR/007-016/02/0424 Kebijakan in accordance with Policy No. KSP/DMR/007-016/02/0424
Pedoman Penerapan Manajemen Risiko; Risk Management Implementation Guidelines Policy;
• Bank telah berupaya meminimalisir Risiko Kepatuhan • The Bank has attempted to minimize Compliance Risk by
melalui monitoring kewajiban penyampaian laporan monitoring the obligation to submit reports to regulators
kepada regulator dengan menyampaikan memorandum by issuing internal memorandums as reminders on Bank
internal berupa reminder kewajiban Laporan Bank Report obligations to related work units and/or divisions
yang ditujukan kepada unit kerja dan/atau divisi terkait to minimize errors and/or delays in submitting reports to
untuk meminimalkan terjadinya kesalahan dan/atau regulators;
keterlambatan dalam penyampaian laporan kepada
regulator;
• Dalam melaksanakan kegiatan operasionalnya, Bank telah • The Bank has been carrying out its operational activities in
melaksanakan sesuai dengan kebijakan dan prosedur accordance with the applicable policies and procedures,
yang berlaku, sehingga mencerminkan efektivitas proses reflecting effectiveness of the good governance
penerapan tata kelola yang baik; implementation process;
• Dalam menerapkan prinsip kehati-hatian di setiap proses • The prudence principle in every provision of funds process to
penyediaan dana kepada pihak terkait dan pembiayaan the related parties and large exposure has been conducted
besar telah dilakukan dengan berpedoman pada kebijakan by referring to the internal policies and applicable laws,
internal dan perundang-undangan yang berlaku yaitu: namely:
- Penyediaan dana kepada pihak terkait (related party) - Provision of funds to related parties as outlined in Policy
yang dituangkan melalui Kebijakan No. KSP/027/00/0519 No. KSP/027/00/0519 on Legal Lending Limit;
Perihal Batas Maksimum Pemberian kredit;
- Kebijakan No. KSP/001/01/0322 Perihal Perkreditan Bank; - Policy No. KSP/001/01/0322 on Bank Credit;
• Bank telah mentransparansikan kondisi keuangan dan • The Bank has made its financial and non-financial
non-keuangan kepada pemangku kepentingan, termasuk conditions transparent to stakeholders, and announcing
mengumumkan Laporan Keuangan Publikasi Triwulanan the Quarterly Published Financial Report and reporting to
dan melaporkan kepada Otoritas Jasa Keuangan atau Financial Services Authority or stakeholders in accordance
pemangku kepentingan sesuai ketentuan yang berlaku. with applicable regulations. The transparency in the
Transparansi atas publikasi Laporan Keuangan telah publication of Financial Report has been done via Bank
dilakukan melalui situs web Bank INA (www.bankina.co.id). INA website (www.bankina.co.id). The Bank has also made
Selain itu, Bank juga telah mentransparansikan tata cara a transparent procedures for customer complaints and
pengaduan nasabah dan penyelesaian sengketa kepada dispute resolution in line with the provisions on Customer
nasabah sesuai ketentuan yang mengatur mengenai Complaint and Banking Mediation; and
Pengaduan Nasabah dan Mediasi Perbankan; serta
• Bank telah menyusun RBB secara realistis, komprehensif, • The Bank has prepared a realistic, comprehensive, and
dan terukur dengan memperhatikan prinsip kehati-hatian measurable RBB by considering the prudence principle and
dan kompleksitas kegiatan usaha Bank. the complexity of Bank’s business activities.
PT Bank Ina Perdana Tbk 229
Page 232
Tata Kelola Perusahaan
Corporate Governance
Penerapan Tata Kelola di Bank INA telah dilaksanakan dengan Bank INA has implemented the governance well, through the
baik, antara lain melalui: following:
• Fungsi Manajemen Risiko secara umum telah diterapkan • In general, Risk Management function has been
dengan baik sehingga seluruh risiko dapat terjaga dengan implemented well, enabling all risks to be well-maintained,
baik yang tercermin dari Profil Risiko Bank pada Semester as reflected in the Bank’s Risk Profile in Semester I - 2024 and
I – 2024 dan Semester II – 2024 dengan Peringkat 2 Semester II – 2024, obtained Rating of 2 (Low to Moderate)
(Low to Moderate) dan Tingkat Kesehatan Bank pada and Bank’s Soundness Level in Semester I - 2024, with
Semester I – 2024, dengan Peringkat Tingkat Kesehatan Composite Health Level Rating 2 with a healthy category;
Komposit 2 dengan kategori sehat;
• Penerapan Penyediaan Dana kepada Pihak Terkait dan • In 2024, implementation of Provision of Funds to Related
Penyediaan Dana Besar telah dijaga dengan Baik dan Parties and Provision of Large Exposure has been
terkendali sepanjang Tahun 2024, Bank tidak terdapat well-maintained and under control, the Bank has not
Pelampauan dan/atau Pelanggaran Batas Maksimum exceeded and/or violated the Legal Lending Limit (LL);
Pemberian Kredit (BMPK);
• Bank telah menyusun dan menyajikan laporan dengan tata • The Bank has prepared and presented reports in
cara yang sesuai dengan Regulator mengenai transparansi a manner following Regulatory provision on transparency
dan publikasi laporan Bank, antara lain melalui aplikasi and publication of Bank reports, including via APOLO,
APOLO, Sipena, Sipesat, Sigap, Sipeduli, dan aplikasi Sipena, Sipesat, Sigap, Sipeduli applications, and other
lainnya. Namun demikian, masih ditemukan adanya applications. However, there are still errors and/or delays in
kesalahan dan/atau keterlambatan dalam penyampaian report submission to regulator, causing the Bank to receive
laporan kepada regulator sehingga menyebabkan Bank financial fines as sanctions. In Semester II of 2024, there was
dikenakan sanksi berupa denda finansial. Pada Semester a decrease in fines compared to Semester I of 2024;
II Tahun 2024 terjadi penurunan denda dibandingkan
Semester I Tahun 2024;
• Tidak terdapat intervensi pemilik yang mengakibatkan • There was no owner intervention that disrupted the Bank’s
kegiatan operasional Bank terganggu dan/atau memberikan operational activities and/or resulted in unfair benefits to
Governance Outcome
keuntungan yang tidak wajar kepada pemilik sehingga the owner while causing losses for the Bank. Also, there was
menyebabkan kerugian Bank. Selain itu, tidak terdapat juga no intervention from owner/related party/other party on
intervensi dari pemilik/pihak terkait/pihak lain terhadap the Bank’s operational activities that could lead to conflict
kegiatan operasional Bank yang dapat menimbulkan of interest that would harm the Bank or reduce the Bank’s
terjadinya benturan kepentingan sehingga merugikan Bank profits;
atau mengurangi keuntungan Bank;
• Pengungkapan dan transparansi informasi kondisi • Information disclosure and transparency of financial
keuangan dan-non keuangan telah dilakukan secara and non-financial condition have been done adequately
memadai kepada Pemangku Kepentingan termasuk to Stakeholders, including announcing the Quarterly
mengumumkan Laporan Keuangan Publikasi Triwulanan Published Financial Report and reporting it to Financial
dan melaporkannya kepada Otoritas Jasa Keuangan atau Services Authority or stakeholders in accordance with
pemangku kepentingan sesuai ketentuan yang berlaku. applicable regulations. Transparency of information is
Transparansi informasi dapat dilihat melalui situs web Bank available via Bank INA’s at www.bankina.co.id;
INA www.bankina.co.id;
• Sepanjang Tahun 2024, Bank secara umum telah mencapai • In general, throughout 2024, the Bank has achieved the
target revisi RBB yang sebelumnya telah disampaikan revised RBB target previously submitted to Financial
kepada Otoritas Jasa Keuangan, antara lain laba dan modal Services Authority, including the Bank’s growing profit
Bank yang bertumbuh, NPL-nett yang tidak melampaui and capital, net NPL that not exceeding the provisions of
ketentuan Otoritas Jasa Keuangan; serta Financial Services Authority; and
• Rencana Korporasi dan RBB dalam rangka pencapaian Misi • The Corporate Plan and RBB to achieve the Bank’s Mission
dan Visi Bank telah disusun sesuai dengan kompleksitas and Vision have been prepared in accordance with Bank’s
Bank dan arahan Manajemen untuk pengembangan bisnis. complexity and Management directives for business
Rencana tersebut telah dikomunikasikan kepada karyawan development. The plan has been communicated to
pada tanggal 11-12 Januari 2024. Pencapaian kinerja Bank employees on January 11-12, 2024. The Bank’s performance
telah dilakukan secara optimal berdasarkan target yang achievements have been done optimally based on the
telah ditetapkan. preset targets.
230 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Penilaian Tingkat Kesehatan Bank
Assessment of Bank Soundness Level
Bank INA secara konsisten melaksanakan penilaian tingkat Bank INA consistently conducts an assessment of soundness level
kesehatan untuk mengevaluasi kinerja dan kondisi keseluruhan to evaluate the overall performances and conditions to ensure
guna memastikan aktivitas operasional tetap aman dan the operational activities remain safe and stable. This assessment
stabil. Penilaian ini dilakukan melalui metode self-assessment is carried out through a self-assessment method with reference
dengan mengacu pada Peraturan Otoritas Jasa Keuangan to Financial Services Authority Regulation No. 4/POJK.03/2016
No. 4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank concerning Soundness Level Assessment of Commercial Banks
Umum dan Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 and Financial Services Authority Regulation No. 17 of 2023 on
tentang Penerapan Tata Kelola bagi Bank Umum. Hasil penilaian the Implementation of Governance for Commercial Banks. The
tingkat kesehatan Bank INA untuk tahun 2024 memperoleh results of Bank INA’s soundness level assessment in 2024 obtained
Peringkat 2 atau “Sehat” dengan penjelasan sebagai berikut. Rating 2 or “Healthy” with the following description.
Hasil Penilaian
Komponen Assessment Result
Component Peringkat Kategori
Rating Category
Risk Profile 2 Low to Moderate
Baik
Good Corporate Governance 2
Good
Baik
Earning 2
Good
Baik
Capital 2
Good
Peringkat Kesehatan Bank Sehat
2
Bank Soundness Level Healthy
Analisis Hasil Penilaian Sendiri Tingkat Kesehatan Bank INA
Analysis of Bank INA’s Soundness Level Self-Assessment Results
Komponen Hasil Penilaian Bank INA
Component Bank INA Assessment Results
Risk Profile Low to Moderate
Baik
Good Corporate Governance
Good
Baik
Earning
Good
Baik
Capital
Good
PT Bank Ina Perdana Tbk 231
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Tata Kelola Perusahaan
Corporate Governance
Penerapan Pedoman Tata Kelola
Perusahaan Terbuka
Implementation of Public Company Governance Guidelines
Penerapan pedoman tata kelola perusahaan terbuka merujuk The implementation of public company governance
pada Peraturan Otoritas Jasa Keuangan No. 21/POJK.04/2015 guidelines referring to Financial Services Authority Regulation
dan Surat Edaran Otoritas Jasa Keuangan No. 32/SEOJK.04/2015. No. 21/POJK.04/2015 and Financial Services Authority Circular
Berikut adalah penjelasan mengenai penerapan tersebut. No. 32/SEOJK.04/2015. The implementation is explained in the
below table.
Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
HUBUNGAN PERUSAHAAN TERBUKA DENGAN PEMEGANG SAHAM DALAM MENJAMIN HAK-HAK PEMEGANG SAHAM
I.
RELATIONSHIP BETWEEN THE PUBLIC COMPANY AND SHAREHOLDERS IN GUARANTEEING THE SHAREHOLDERS’ RIGHTS
1. Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS).
Increasing the Value of Convening General Meeting of Shareholders (GMS).
a. Perusahaan Terbuka memiliki cara atau prosedur Terpenuhi Tata cara atau prosedur teknis pengumpulan suara diungkapkan dalam
teknis pengumpulan suara (voting), baik secara terbuka Pedoman Penerapan Tata Kelola No. KSP/CSC/005/02/0424 tertanggal
maupun tertutup, yang mengedepankan independensi 16 April 2024.
dan kepentingan Pemegang Saham.
The Public Company has technical voting methods Complied Technical voting methods or procedures are disclosed in the Governance
or procedures, either open or close, prioritizing Implementation Guidelines No. KSP/CSC/005/02/0424 dated April 16,
independence and interest of Shareholders. 2024.
b. Seluruh anggota Dewan Komisaris dan anggota Direksi Terpenuhi RUPS Tahunan pada tanggal 20 Juni 2024 dihadiri oleh seluruh anggota
Perusahaan Terbuka hadir dalam RUPS Tahunan. Dewan Komisaris dan anggota Direksi Bank.
All members of the Board of Commissioners and Complied The Annual GMS on June 20, 2024 was attended by all members of
Board of Directors of the Public Listed Company the Board of Commissioners and Board of Directors of the Bank.
attended the Annual GMS.
c. Ringkasan risalah RUPS tersedia dalam situs web Terpenuhi Ringkasan Risalah RUPS dapat diakses melalui situs web Bank bagian
Perusahaan Terbuka paling sedikit selama 1 tahun. Hubungan Investor >> RUPS.
Summary of GMS Minutes is available on the Public Complied Summary of GMS minutes can be accessed through the Bank’s website
Company’s website for at least 1 year. in the Investor Relations section >> GMS.
2. Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
Increasing the Communication Quality between the Public Company and Shareholders or Investors.
a. Perusahaan Terbuka memiliki suatu kebijakan Terpenuhi Bank telah memiliki kebijakan komunikasi dengan Pemegang Saham atau
komunikasi dengan Pemegang Saham atau investor. investor, antara lain mengatur tentang berbagai hal terkait pelaksanaan
RUPS.
The Public Company has communication policy with Complied The Bank has a communication policy with Shareholders or investors,
the Shareholders or Investors. which among other things regulates various matters related to the
implementation of the GMS.
b. Perusahaan Terbuka mengungkapkan kebijakan Terpenuhi Kebijakan komunikasi Bank dengan Pemegang Saham, khususnya terkait
komunikasi Perusahaan Terbuka dengan Pemegang pelaksanaan RUPS, tercantum dalam Pedoman Penerapan Tata Kelola
Saham atau investor dalam situs web. No. KSP/CSC/005/02/0424 tertanggal 16 April 2024.
The Public Company discloses its policy on Complied Bank’s communication policy with Shareholders, especially related to
communication with Shareholders or investors on the GMS implementation, is stated in Governance Implementation
the website. Guidelines No. KSP/CSC/005/02/0424 dated April 16, 2024.
FUNGSI DAN PERAN DEWAN KOMISARIS
II.
FUNCTIONS AND ROLES OF THE BOARD OF COMMISSIONERS
3. Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.
Strengthening the Board of Commissioners’ Membership and Composition.
a. Penentuan jumlah anggota Dewan Komisaris Terpenuhi Penentuan jumlah anggota Dewan Komisaris dilakukan dengan
mempertimbangkan kondisi Perusahaan Terbuka. mempertimbangkan kondisi terkini Bank serta memenuhi persyaratan
yang ditetapkan oleh Otoritas Jasa Keuangan.
The determination of number of Board of Complied The number of Board of Commissioners’ members is determined
Commissioners’ members considers the Public by taken into account the current conditions of the Bank and fulfillment of
Company’s condition. requirements set by Financial Services Authority.
232 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
b. Penentuan komposisi anggota Dewan Komisaris Terpenuhi Anggota Dewan Komisaris yang menjabat saat ini memiliki keahlian,
memperhatikan keberagaman keahlian, pengetahuan, pengetahuan, dan pengalaman yang sesuai dengan kebutuhan Bank.
dan pengalaman yang dibutuhkan.
The determination of Board of Commissioners’ Complied The current members of the Board of Commissioners have the required
composition considers the range of expertise, expertise, knowledge, and experience in line with the Bank’s needs.
knowledge, and experience required.
4. Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Increasing the Quality of Implementation of Board of Commissioners’ Duties and Responsibilities.
a. Dewan Komisaris mempunyai kebijakan penilaian Terpenuhi Bank INA telah memiliki kebijakan penilaian sendiri (self-assessment)
sendiri (self-assessment) untuk menilai kinerja Dewan untuk menilai kinerja Dewan Komisaris dengan mengacu pada Pedoman
Komisaris. Penerapan Tata Kelola No. KSP/CSC/005/02/0424 tertanggal 16 April 2024.
Penilaian kinerja Dewan Komisaris juga merupakan bagian dari kriteria
penilaian sendiri terhadap penerapan GCG Bank INA.
The Board of Commissioners has self-assessment Complied Bank INA has a self-assessment policy to assess the performance
policy to assess the Board of Commissioners’ of the Board of Commissioners with reference to the Governance
performance. Implementation Guidelines No. KSP/CSC/005/02/0424 dated April 16,
2024. Assessment of the performance of the Board of Commissioners
is also part of the self-assessment criteria for the implementation of
Bank INA’s GCG.
b. Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Penilaian kinerja Dewan Komisaris telah diungkapkan dalam Laporan
menilai kinerja Dewan Komisaris, diungkapkan melalui Tahunan ini.
Laporan Tahunan perusahaan terbuka.
The self-assessment policy to assess the Board of Complied Assessment of the performance of the Board of Commissioners has been
Commissioners’ performance is disclosed in the Public disclosed in this Annual Report.
Company’s Annual Report.
c. Dewan Komisaris mempunyai kebijakan terkait Terpenuhi Kebijakan pengunduran diri anggota Dewan Komisaris tertuang dalam
pengunduran diri anggota Dewan Komisaris apabila Pedoman Penerapan Tata Kelola No. KSP/CSC/005/02/0424 tertanggal
terlibat dalam kejahatan keuangan. 16 April 2024.
The Board of Commissioners has policy related to Complied The resignation policy for members of the Board of Commissioners
resignation of the Board of Commissioners’ members is contained in the Governance Implementation Guidelines
if involved in financial crime. No. KSP/CSC/005/02/0424 dated April 16, 2024.
d. Dewan Komisaris atau komite yang menjalankan Terpenuhi Sesuai Piagam Komite Remunerasi dan Nominasi yang disahkan pada
fungsi Nominasi dan Remunerasi menyusun kebijakan tanggal 13 Desember 2023. Komite Nominasi dan Remunerasi membantu
suksesi dalam proses nominasi anggota Direksi. melaksanakan fungsi dan tugas Dewan Komisaris terkait pengusulan
seseorang untuk diangkat sebagai anggota Direksi Bank.
The Board of Commissioners or Committee performing Complied In accordance with Nomination and Remuneration Committee Charter
nomination and remuneration functions prepares which was approved on December 13, 2023. The Nomination and
the succession policy for the nomination process of Remuneration Committee assists in carrying out the functions and duties
the Board of Directors’ members. of the Board of Commissioners regarding proposing a person to be
appointed as a member of the Bank’s Board of Directors.
FUNGSI DAN PERAN DIREKSI
III.
FUNCTIONS AND ROLES OF THE BOARD OF DIRECTORS
5. Memperkuat Keanggotaan dan Komposisi Direksi.
Strengthening the Board of Directors’ Membership and Composition.
a. Penentuan jumlah anggota Direksi mempertimbangkan Terpenuhi Penentuan jumlah anggota Direksi dilakukan dengan mempertimbangkan
kondisi Perusahaan Terbuka, serta efektivitas dalam kondisi terkini Bank serta memenuhi persyaratan yang ditetapkan oleh
pengambilan keputusan. Otoritas Jasa Keuangan.
The determination of number of Board of Directors’ Complied The number of Board of Directors’ members is determined by taken into
members considers the public company’s condition account the current conditions of the Bank and fulfillment of requirements
and effectiveness in decision-making. set by Financial Services Authority.
b. Penentuan komposisi anggota Direksi memperhatikan, Terpenuhi Anggota Direksi yang menjabat saat ini memiliki keahlian, pengetahuan,
keberagaman keahlian, pengetahuan, dan pengalaman dan pengalaman yang sesuai dengan kebutuhan Bank.
yang dibutuhkan.
The determination of Board of Directors’ composition Complied The current members of the Board of Directors have the required
considers the range of expertise, knowledge, and expertise, knowledge, and experience in line with the Bank’s needs.
experience required.
c. Anggota Direksi yang membawahi bidang akuntansi Terpenuhi Direktur Keuangan Bank INA dijabat oleh Ibu Kiung Hui Ngo, seorang
atau keuangan memiliki keahlian dan/atau Sarjana Ekonomi jurusan Akuntansi yang juga meraih gelar Magister
pengetahuan di bidang akuntansi. Manajemen.
The Board of Directors’ member in charge of accounting Complied Bank INA’s Director of Finance is held by Mrs. Kiung Hui Ngo, holder of
or finance has the expertise and/or knowledge in Bachelor of Economics majoring in Accounting and a Master ’s degree in
accounting. Management.
PT Bank Ina Perdana Tbk 233
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Tata Kelola Perusahaan
Corporate Governance
Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
6. Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.
Increasing the Quality of Implementation of Board of Directors’ Duties and Responsibilities.
a. Direksi mempunyai kebijakan penilaian sendiri Terpenuhi Bank INA telah memiliki kebijakan penilaian sendiri (self-assessment)
(self-assessment) untuk menilai kinerja Direksi. untuk menilai kinerja Direksi dengan mengacu pada Pedoman Penerapan
Tata Kelola No. KSP/CSC/005/02/0424 tertanggal 16 April 2024. Penilaian
kinerja Direksi juga merupakan bagian dari kriteria penilaian sendiri
terhadap penerapan GCG Bank INA.
The Board of Directors has self-assessment policy to Complied Bank INA has a self-assessment policy to assess the performance of
assess the Board of Directors’ performance. the Board of Directors with reference to the Governance Implementation
Guidelines No. KSP/CSC/005/02/0424 dated April 16, 2024. Assessment
of the performance of the Board of Directors is also part of the
self-assessment criteria for the implementation of Bank INA’s GCG.
b. Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Penilaian kinerja Direksi telah diungkapkan dalam Laporan Tahunan ini.
menilai kinerja Direksi diungkapkan melalui Laporan
Tahunan Perusahaan Terbuka.
The self-assessment policy to assess the Board of Complied Assessment of the performance of the Board of Directors has been
Directors’ performance is disclosed in the Public disclosed in this Annual Report.
Company’s Annual Report.
c. Direksi mempunyai kebijakan terkait pengunduran Terpenuhi Kebijakan pengunduran diri anggota Direksi tertuang dalam Pedoman
diri anggota Direksi apabila terlibat dalam kejahatan Penerapan Tata Kelola No. KSP/CSC/005/02/0424 tertanggal 16 April 2024.
keuangan.
The Board of Directors has policy related to resignation Complied The resignation policy for members of the Board of Directors is contained
of the Board of Directors’ members if involved in in the Governance Implementation Guidelines No. KSP/CSC/005/02/0424
financial crime. dated April 16, 2024.
PARTISIPASI PEMANGKU KEPENTINGAN
IV.
STAKEHOLDERS PARTICIPATION
7. Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan.
Increasing the Corporate Governance Aspect through Stakeholders Participation.
a. Perusahaan Terbuka memiliki kebijakan untuk Terpenuhi Kebijakan untuk mencegah terjadinya insider trading tercantum dalam
mencegah terjadinya insider trading. Kebijakan No. TR/00/02/0224 Versi 2.0 tanggal 21 Februari 2024 perihal
Kebijakan Manajemen Market Code of Conduct.
The Public Company has a policy to prevent the Complied The insider trading prevention policy is outlined in Policy
occurrence of insider trading. No. TR/00/02/0224 Version 2.0, dated February 21, 2024, on Market Code
of Conduct Management Policy.
b. Perusahaan Terbuka memiliki kebijakan anti-korupsi Terpenuhi Kebijakan dan Prosedur Strategi Anti-Fraud No. KEB/RMG/13/03/0923
dan anti-fraud. tanggal 6 Oktober 2023 merupakan penyempurnaan dari Kebijakan dan
Prosedur Strategi Anti-Fraud No. RMG/13/02/0621 tanggal 1 Juli 2021.
Bank INA juga telah menerbitkan Komitmen Kebijakan Anti-Korupsi dan
Suap, sebagai wujud peran serta Bank dalam Pakta Integritas Strategi
Nasional Anti-Korupsi.
The Public Company has anti-corruption and Complied Anti-Fraud Strategy Policies and Procedures No. KEB/RMG/13/03/0923
anti-fraud policy. dated October 6, 2023, is a refinement of the Anti-Fraud Strategy
Policy and Procedure No. RMG/13/02/0621 dated July 1, 2021. Bank INA
has also issued an Anti-Corruption and Bribery Policy Commitment, as a
form of the Bank’s participation in the Anti-Corruption National Strategy
Integrity Pact.
c. Perusahaan Terbuka memiliki kebijakan tentang Terpenuhi Terkait kebijakan tentang seleksi dan peningkatan kemampuan pemasok
seleksi dan peningkatan kemampuan pemasok atau atau vendor, Bank telah menyusun:
vendor. • Kebijakan No. UM/016/01/1221 tanggal 20 Desember 2021 perihal
Kebijakan Pengadaan Barang dan Jasa;
• Memo/KSP/024/0622 tanggal 20 Juni 2022 perihal Revisi Nilai Nominal
Pengajuan Pengadaan Barang dan Jasa untuk Seleksi Vendor;
• Memo/KSP/045/0823 tanggal 8 Agustus 2023 perihal Revisi Persetujuan
Pengajuan Barang dan Jasa;
• Kebijakan dan Prosedur Alih Daya No. HC/009/003/1023 tanggal
1 Desember 2023; dan
The Public Company has a policy on selection and Complied • Standar Operasional Prosedur (SOP) 108 versi 3.0 Pengadaan Barang
improvement of supplier’s or vendor’s capabilities. dan Jasa TI, April 2023.
Regarding policies on selection and capacity building of suppliers or
vendors, the Bank has compiled:
• Policy No. UM/016/01/1221 dated December 20, 2021 on Goods and
Services Procurement Policy;
• Memo/KSP/024/0622 dated June 20, 2022 on Revision of Nominal
Value of Goods and Services Procurement Submission for Vendor
Selection;
• Memo/KSP/045/0823 dated August 8, 2023 on Revision for Approval of
Submission of Goods and Services;
• Outsourcing Policy and Procedure No. HC/009/003/1023 dated
December 1, 2023; and
• Standard Operating Procedure (SOP) 108 version 3.0 on Procurement
of IT Goods and/or Services, April 2023.
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Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
d. Perusahaan Terbuka memiliki kebijakan tentang Terpenuhi Terkait kebijakan tentang pemenuhan hak-hak kreditur, Bank telah
pemenuhan hak-hak kreditur. menyusun:
• Memo/RM/011/0323 tanggal 28 Maret 2023 perihal Tambahan SOP:
BCP Kantor Pusat No. 133/versi/2.0;
• KEB/DIB/252/00/0822 tentang Kebijakan dan Prosedur Layanan
Talangan Pembelian;
• SOP No. 115 Ver. 2.0 tanggal 31 Maret 2023 Penanganan Pengaduan
Konsumen melalui Kantor Cabang;
• Memo/BB/046/1122 tanggal 25 November 2022 perihal Petunjuk
Pelaksanaan Sistem Complain Handling Nasabah melalui Kantor
Cabang;
• Standar Operasional Prosedur No. 157 tanggal 5 Agustus 2022 tentang
Pengelolaan Rekening Tidak Aktif (Dormant Account);
• Kebijakan No. KEB/DBO/018/03/0624 tentang Kebijakan Pelindungan,
Penanganan, dan Penyelesaian Keluhan Nasabah; dan
• SOP No. 050 tentang Contact Center dan On Boarding.
The Public Company has a policy on the fulfillment of Complied Regarding policies on fulfillment of creditor rights, the Bank has compiled:
creditor’s rights. • Memo/RM/011/0323 dated March 28, 2023 on Supplement to SOP:
BCP Head Office No. 133/version/2.0;
• KEB/DIB/252/00/0822 concerning the Policy and Procedures for
Purchase Advance Services;
• SOP No. 115 Ver. 2.0 dated March 31, 2023 on Handling Consumer
Complaints through Branch Offices;
• Memo/BB/046/1122 dated 25 November 2022 regarding Implementation
Guidelines for the Customer Complaint Handling System through
Branch Offices;
• Standard Operating Procedure No. 157 dated August 5, 2022, on
Management of Dormant Accounts;
• Policy No. KEB/DBO/018/03/0624 regarding Customer Protection,
Handling, and Complaint Settlement Policy; and
• SOP No. 050 regarding Contact Center and Onboarding.
e. Perusahaan Terbuka memiliki kebijakan sistem Terpenuhi Kebijakan ini dimuat dalam Pedoman Umum Whistleblowing
whistleblowing. No. AUD/00/02/1023 tanggal 1 Oktober 2023.
The Public Company has a policy on whistleblowing Complied This policy is contained in the General Guidelines of Whistleblowing
system. No. AUD/00/02/1023 dated October 1, 2023.
f. Perusahaan Terbuka memiliki kebijakan pemberian Terpenuhi Pemberian insentif dibahas dalam Rapat Komite Nominasi dan
insentif jangka panjang kepada Direksi dan karyawan. Remunerasi menyangkut budget insentif, tanggal Pembayaran, serta
syarat dan ketentuan insentif. Kebijakan Remunerasi diatur dalam
Pedoman dan Kebijakan Penerapan Tata Kelola dalam pemberian
Remunerasi No. SDM/003/1216 dan Standar Operasi Prosedur No. 107
Pemberian Remunerasi Bersifat Variabel dan Mekanisme Malus dan
Clawback.
The Public Company has a policy on provision of Complied The provision of incentives is discussed in the Nomination and
long-term incentive for the Board of Directors and Remuneration Committee’s Meeting regarding the incentive budget,
employees. payment date, and the terms and conditions of the incentive.
The Remuneration Policy is regulated in the Guidelines and Policy
for Implementing Good Corporate Governance in Remuneration
No. SDM/003/1216 and Standard Operating Procedure No. 107 on Variable
Remuneration and Malus and Clawback Mechanisms.
KETERBUKAAN INFORMASI
V.
INFORMATION DISCLOSURE
8. Meningkatkan Pelaksanaan Keterbukaan Informasi.
Increasing the Implementation of Information Disclosure.
a. Perusahaan Terbuka memanfaatkan penggunaan Terpenuhi Bank memanfaatkan platform media sosial, seperti Instagram, serta
teknologi informasi secara lebih luas selain situs web IDX Net dan Sistem Pelaporan Otoritas Jasa Keuangan sebagai sarana
sebagai media keterbukaan informasi. penyampaian informasi bagi para pemangku kepentingan. Selain itu,
Layar ATM digunakan untuk menayangkan informasi produk yang
ditawarkan, sementara Call Center berfungsi sebagai layanan pengaduan
dan informasi.
The Public Company utilizes information technology Complied The Bank utilizes the social media platforms, such as Instagram, IDX Net,
more broadly, in addition to the website, as a media for and Financial Services Authority Reporting System as means to convey
information disclosure. information to stakeholders. In addition, Bank INA also utilizes ATM’s
screen to display the products information offered, while the Call Center
serves as complaint and information service.
PT Bank Ina Perdana Tbk 235
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Tata Kelola Perusahaan
Corporate Governance
Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
b. Laporan Tahunan Perusahaan Terbuka mengungkapkan Terpenuhi Informasi terkait Pemegang Saham Pengendali Terakhir Bank
pemilik manfaat akhir dalam kepemilikan saham INA diungkapkan pada bagian Pemegang Saham Pengendali dan
perusahaan terbuka paling sedikit 5%, selain Pemegang Saham Pengendali Akhir Bab Profil Perusahaan dalam Laporan
pengungkapan pemilik manfaat akhir dalam Tahunan ini.
kepemilikan saham perusahaan terbuka melalui
Pemegang Saham Utama dan Pengendali.
The Public Company’s Annual Report discloses the Complied Information regarding the Ultimate Shareholder of Bank INA is disclosed
ultimate beneficial owner of the Public Company’s in the Controlling and Ultimate Shareholder section of the Company
share ownership of at least 5%, in addition to the Profile Chapter in this Annual Report.
disclosure of the ultimate beneficial owner in the share
ownership of Public Company through the Main and
Controlling Shareholders.
Struktur dan Hubungan GCG [ESG-G.03]
GCG Structure and Relationship
Bank INA membentuk struktur GCG untuk menunjukkan Bank INA established a GCG structure to show its commitment
komitmennya dalam menerapkan prinsip-prinsip GCG, terutama in implementing the GCG principles, especially in terms of
dalam hal transparansi dan akuntabilitas. Struktur ini juga transparency and accountability. This structure also ensures that
memastikan bahwa kebijakan yang berlaku dipatuhi dengan the applicable policies are properly adhered. The implementation
baik. Penerapan struktur GCG berpedoman pada Undang-Undang of GCG structure refers to the Law of the Republic of Indonesia
236 PT Bank Ina Perdana Tbk
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2024 Annual Report
Republik Indonesia No. 40 Tahun 2007 tentang Perseroan Terbatas, No. 40 of 2007 concerning Limited Liability Companies, described
yang digambarkan sebagai berikut. as follows.
Main Organs of Bank INA
Organ Utama Bank INA
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Audit Komite Manajemen Risiko
Audit Committee Risk Management Committee
Komite Nominasi dan Remunerasi Komite Kredit
Nomination and Remuneration Committee Credit Committee
Supporting Organs of Bank INA
Organ Pendukung Bank INA
Komite Pemantau Risiko Komite Kebijakan Perkreditan Bank
Risk Monitoring Committee Bank Credit Policy Committee
ALCO
Komite Pengarah Teknologi Informasi
Information Technolog Steering Committee
Komite Sumber Daya Manusia
Human Resources Committee
Satuan Kerja Audit Internal Sekretaris Perusahaan
Internal Audit Work Unit Corporate Sectetary
Berdasarkan struktur GCG Bank, organ utama terdiri dari Rapat Based on the Bank’s GCG structure, the main organs consist of the
Umum Pemegang Saham (RUPS), Dewan Komisaris, dan Direksi. General Meeting of Shareholders (GMS), Board of Commissioners,
RUPS sebagai organ tertinggi memiliki kewenangan yang tidak and Board of Directors. As the highest organ, GMS has an authority
dapat dialihkan, sementara Dewan Komisaris berperan dalam that cannot be delegated, while Board of Commissioners supervises
pengawasan dan Direksi dalam pengelolaan operasional. and Board of Directors manages the operations.
Untuk menjaga keseimbangan tata kelola, Bank menerapkan To maintain governance balance, the Bank segregates the roles
pemisahan peran antara Komisaris Utama dan Direktur Utama. between of President Commissioner and President Director.
Komisaris Utama bertanggung jawab atas pengawasan arah The President Commissioner is responsible to supervise
strategis dan kepatuhan terhadap tata kelola, sedangkan Direktur the strategic direction and governance compliance, while the
Utama menjalankan strategi serta operasional Bank. Dewan President Director executes Bank’s strategies and operations.
Komisaris dan Direksi juga memiliki wewenang membentuk organ The Board of Commissioners and Board of Directors also have
pendukung guna memperkuat pelaksanaan tugas dan tanggung the authority to establish supporting organs to improve the
jawabnya, memastikan tata kelola yang transparan, akuntabel, dan implementation of their duties and responsibilities, ensuring a
berkelanjutan. transparent, accountable, and sustainable governance.
Sebagai bagian dari komitmen terhadap efektivitas GCG, Bank As a part of the commitment to GCG effectiveness, the Bank
secara berkala mengevaluasi kebijakan internal agar tetap relevan periodically evaluate the internal policies to remain relevant with
dengan dinamika industri dan perkembangan bisnis. Berikut adalah the industry dynamics and business developments. Following are
kebijakan internal yang telah ditetapkan. the internal policies established.
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Tata Kelola Perusahaan
Corporate Governance
Kebijakan Keterangan
Policy Remark
Kebijakan Pedoman Penerapan Tata Kelola No. KSP/CSC/005/02/0424 tertanggal 16 April 2024.
Governance Implementation Guideline Policy No. KSP/CSC/005/02/0424 dated April 16, 2024.
Kebijakan Sistem Pengendalian Internal • SOP Internal Control (SOP/ICU/114/05/0724) Efektif 2 September 2024.
Internal Control System Policy • Pedoman Internal Control (PED/ICU/009/05/0824) Efektif 2 September 2024
• Internal Control SOP (SOP/ICU/114/05/0724) Effective 2 September 2024.
• Internal Control Guidelines (PED/ICU/009/05/0824) Effective 2 September 2024.
Pedoman Penanganan Pengaduan Konsumen • SOP No. 115 Ver. 2.0 tanggal 31 Maret 2023 Penanganan Pengaduan Konsumen melalui Kantor Cabang.
terhadap Penyalahgunaan Produk/Layanan Bank • Kebijakan No. KEB/DBO/018/03/0624 tentang Kebijakan Pelindungan, Penanganan, dan Penyelesaian
Keluhan Nasabah.
• Kebijakan No. KEB/DIB/252/00/0822 tentang Kebijakan dan Prosedur Layanan.
Guidelines for Handling Consumer Complaints • SOP No. 050 tentang Contact Center dan On Boarding.
Regarding Misuse of Bank Products/Services • SOP No. 115 Ver. 2.0 dated March 31, 2023 Customer Complaint Handling through Branch Office.
• Policy No. KEB/DBO/018/03/0624 regarding Customer Protection, Handling, and Complaint Settlement
Policy.
• Policy No. KEB/DIB/252/00/0822 regarding Service Policies and Procedures.
• SOP No. 050 Contact Center and On Boarding.
Kebijakan Kewenangan Memutus Kredit Kebijakan Manajemen Persetujuan Kredit No. KEB/KSP/012/02/0624 tanggal 6 Juni 2024 yang
dirubah sebagian dengan Kebijakan Batas Wewenang Memutus Kredit (BWMK) Direktorat
Komersial Banking No. KEB/SMC-CRB-TRB-MIB/028/01/1024 tanggal 23 Oktober 2024, Kebijakan
Batas Wewenang Memutus Kredit (BWMK) Segmen Consumer No. KEB/CLN/030/01/1024 tanggal
Credit Approval Authority Policy 1 November 2024.
Credit Approval Management Policy No. KEB/KSP/012/02/0624 dated June 6, 2024 partially
amended by Limit of Authority to Decide on Credit (BWMK) Commercial Banking Directorate
No. KEB/SMC-CRB-TRB-MIB/028/01/1024 dated October 23, 2024.
Pedoman Pengadaan Barang/Jasa • Kebijakan Pengadaan Barang dan Jasa No. UM/016/01/1221 tanggal 20 Desember 2021 dan
Guidelines for Procurement of Goods/Services perubahannya melalui Memo/KSP/024/0622 tanggal 20 Juni 2022 perihal Revisi Nilai Nominal
Pengajuan Pengadaan Barang dan Jasa untuk Seleksi Vendor, serta Memo/KSP/045/0823 tanggal
8 Agustus 2023 perihal Revisi Persetujuan Pengajuan Barang dan Jasa.
• SOP No. 108 Versi 3.0 tanggal 12 April 2023 Pengadaan Barang dan/atau Jasa TI.
• Goods and Services Procurement Policy No. UM/016/01/1221 dated December 20, 2021 and its
amendment through Memo/KSP/024/0622 dated June 20, 2022 on Revision of Nominal Value for
Submission of Procurement of Goods and Services for Vendor Selection, and Memo/KSP/045/0823
dated August 8, 2023 on Revision for Approval of Submission of Goods and Services.
• SOP No. 108 Version 3.0 dated April 12, 2023 Procurement of IT Goods and/or Services.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan forum utama The General Meeting of Shareholders (GMS) is the main forum for
bagi Pemegang Saham dalam mengambil keputusan strategis Shareholders to make important decisions related to the Bank’s
terkait kepentingan Bank. Selain itu, RUPS berfungsi sebagai interests. The GMS also serves a means to evaluate the performance
sarana untuk mengevaluasi kinerja Dewan Komisaris dan Direksi. of the Board of Commissioners and Board of Directors. The GMS
Pelaksanaan RUPS dilakukan secara berkala sesuai dengan is held periodically in accordance with the applicable laws and
peraturan perundang-undangan yang berlaku. regulations.
Bank melaksanakan RUPS dengan mengacu pada kebijakan dan The Bank implements GMS by referring to the following policies and
peraturan berikut. regulations.
1. Undang-Undang No. 40 tahun 2007 tentang Perseroan Terbatas. 1. Law No. 40 of 2007 on Limited Liability Companies.
2. Peraturan Otoritas Jasa Keuangan No. 15/POJK.04/2020 2. Financial Services Authority Regulation No. 15/POJK.04/2020
tentang Perubahan atas Peraturan Otoritas Jasa Keuangan on Amendments to Financial Services Authority Regulation
No. 32/POJK.04/2014 tanggal 8 Desember 2014 tentang No. 32/POJK.04/2014 dated December 8, 2014, on Plans and
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2024 Annual Report
Rencana dan Penyelenggaraan Rapat Umum Pemegang Implementation of General Meeting of Shareholders of Public
Saham Perusahaan Terbuka sebagaimana telah diubah dengan Companies as amended by Financial Services Authority
Peraturan Otoritas Jasa Keuangan No. 10/POJK.04/2017 Regulation No. 10/POJK.04/2017 dated March 14, 2017.
tanggal 14 Maret 2017.
3. Peraturan Otoritas Jasa Keuangan No. 16/POJK.04/2020 3. Financial Services Authority Regulation No. 16/POJK.04/2020 on
tentang Pelaksanaan Rapat Umum Pemegang Saham Implementation of Electronic General Meeting of Shareholders
Perusahaan Terbuka secara Elektronik. of Public Companies.
4. Anggaran Dasar Bank. 4. Bank’s Articles of Association.
Jenis RUPS Type of the GMS
Sesuai dengan peraturan yang berlaku, RUPS terdiri atas 2 jenis, yaitu In accordance with the applicable regulations, GMS consists of
RUPS Tahunan dan RUPS Luar Biasa. RUPS Tahunan diselenggarakan 2 types, namely Annual GMS and Extraordinary GMS. The Annual
paling lambat enam bulan setelah berakhirnya tahun buku. GMS is held at least six months after the end of the fiscal year.
Sementara itu, RUPS Luar Biasa dapat diadakan sewaktu-waktu Meanwhile, the Extraordinary GMS can be held at any time following
sesuai dengan kebutuhan mendesak dan kepentingan Bank. the urgent needs and Bank’s interest.
Wewenang RUPS GMS Authority
RUPS memiliki wewenang sebagai berikut. The GMS has the following authority.
1. Mengevaluasi kinerja Dewan Komisaris dan Direksi. 1. Evaluating the performance of Board of Commissioners and
Board of Directors.
2. Mengesahkan perubahan Anggaran Dasar. 2. Approving amendments to the Articles of Association.
3. Memberikan persetujuan atas Laporan Direksi, Laporan Tugas 3. Providing approval for the Board of Directors’ Report,
Pengawasan Dewan Komisaris, serta Laporan Keuangan Bank. the Board of Commissioners’ Supervisory Report, and
the Bank’s Financial Statements.
4. Menetapkan alokasi penggunaan laba. 4. Appropriating the use of profits.
5. Menunjuk dan menetapkan biaya jasa akuntan publik. 5. Appointing and determining fees for public accountant services.
6. Menetapkan jumlah dan jenis kompensasi serta fasilitas 6. Determining the amount and type of compensation as well as
pengurus. management facilities.
7. Menyetujui Laporan Tahunan termasuk Laporan Keuangan 7. Approving the Annual Report including the Financial Statements
dan Laporan Tugas Pengawasan Dewan Komisaris, serta and the Board of Commissioners’ Supervisory Report, as well
memberikan pelunasan dan pembebasan tanggung jawab as granting release and discharge of responsibilities (acquit et
(acquit et de charge) kepada anggota Dewan Komisaris dan de charge) to Board of Commissioners’ members and Board
anggota Direksi atas tindakan pengurusan dan pengawasan of Directors’ members for their management and supervisory
yang telah dilakukannya. actions.
8. Memberi kuasa dan wewenang kepada Direksi untuk 8. Granting power and authority to the Board of Directors to
menentukan dan membayar dividen final. determine and pay the final dividend.
9. Mengambil keputusan-keputusan menyangkut struktur 9. Making decisions regarding the organizational structure
organisasi misalnya perubahan Anggaran Dasar, penggabungan, such as amendments to the Articles of Association, merger,
peleburan, pemisahan, pembubaran, dan likuidasi Bank. consolidation, spin-off, dissolution, and liquidation of the Bank.
10. Mengangkat dan/atau mengubah susunan anggota Dewan 10. Appointing and/or changing the composition of Board of
Komisaris dan Direksi. Commissioners and Board of Directors.
11. Memutuskan remunerasi, penetapan gaji, tunjangan lain, serta 11. Deciding on remuneration, determining salary, other
honorarium Dewan Komisaris dan Direksi Bank. allowances, and honorarium for the Board of Commissioners
and Board of Directors of the Bank.
12. Memberi persetujuan terhadap transaksi yang mengandung 12. Giving approval to transactions that contain conflicts of interest.
benturan kepentingan.
13. Memberikan kuasa dan kewenangan kepada Dewan Komisaris 13. Granting power and authority to the Board of Commissioners
untuk menunjuk kantor akuntan publik (KAP) dengan to appoint a public accounting firm (KAP) with due regard to
memperhatikan rekomendasi dari Komite Audit. recommendations from the Audit Committee.
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Tata Kelola Perusahaan
Corporate Governance
Hak Pemegang Saham Shareholders Rights
Hak-hak yang dimiliki Pemegang Saham Bank, antara lain: The rights of the Bank’s Shareholders include, among others:
1. Menghadiri RUPS; 1. Attending the GMS;
2. Mengusulkan agenda RUPS sesuai dengan ketentuan yang 2. Proposing the GMS agenda in accordance with the applicable
berlaku; regulations;
3. Memperoleh release materi RUPS selambatnya 28 hari sebelum 3. Obtaining material release of the GMS no later than 28 days
RUPS; before the GMS;
4. Mendapatkan kesempatan untuk mengajukan pertanyaan 4. Having the opportunity to ask questions and/or provide
dan/atau pendapat pada setiap agenda RUPS; opinions on each GMS agenda item;
5. Memperoleh perlakuan yang sama dari perusahaan; 5. Receiving equal treatment from the company;
6. Memberikan suara dalam RUPS; 6. Casting vote at the GMS;
7. Mencalonkan kandidat anggota Dewan Komisaris dan/atau 7. Nominating candidates for members of the Board of
Direksi; Commissioners and/or Board of Directors;
8. Mengangkat seorang anggota Dewan Komisaris dan/atau 8. Appointing one or more member(s) of the Board of
Direksi atau lebih untuk menambah jumlah anggota Dewan Commissioners and/or Board of Directors to increase the
Komisaris dan/atau Direksi yang ada atau menggantikan number of existing members of the Board of Commissioners
anggota Dewan Komisaris dan/atau Direksi yang diberhentikan; and/or Board of Directors or replace a dismissed member of
the Board of Commissioners and/or Board of Directors;
9. Memberhentikan anggota Dewan Komisaris dan anggota 9. Dismissing members of the Board of Commissioners and
Direksi sewaktu-waktu sebelum mengakhiri masa jabatannya members of the Board of Directors at any time before their term
melalui RUPS; of office ends through the GMS;
10. Menerima pembayaran dividen sesuai dengan prosedur dan 10. Receiving dividend payments in accordance with applicable
ketentuan yang berlaku; serta procedures and provisions; and
11. Menjalankan hak dan/atau wewenang lain sesuai dengan 11. Exercising other rights and/or authorities in accordance with
Anggaran Dasar dan peraturan perundang-undangan yang the Articles of Association and applicable laws and regulations,
berlaku, termasuk hak untuk ikut serta dalam hal pemberian including the right to participate in matters of authorization
kuasa penambahan modal, perubahan Anggaran Dasar Bank, to increase capital, amend the Bank’s Articles of Association,
dan pengalihan seluruh atau sebagian harta kekayaan yang and transfer all or part of the assets leading to the sale of
menyebabkan penjualan perusahaan. the company.
Ketentuan Penyelenggaraan RUPS Provisions to Organize the GMS
Bank menetapkan ketentuan penyelenggaraan RUPS sebagai The Bank stipulates the provisions to organize the GMS as follows.
berikut.
1. RUPS Tahunan dan RUPS Luar Biasa diselenggarakan dalam 1. Annual GMS and Extraordinary GMS are held in Indonesian.
Bahasa Indonesia.
2. Sesuai ketentuan Pasal 23 ayat 1 butir a Anggaran Dasar 2. In accordance with the provisions of Article 23 Paragraph
Bank INA, RUPS akan dipimpin oleh seorang anggota 1 point a of Bank INA’s Articles of Association, the GMS will be
Dewan Komisaris yang ditunjuk oleh Dewan Komisaris Bank. chaired by a member of the Board of Commissioners appointed
by the Bank’s Board of Commissioners.
3. Korum RUPS diatur pada Pasal 24 Anggaran Dasar Bank. 3. The GMS quorum is regulated in Article 24 of the Bank’s
Articles of Association.
4. Semua acara RUPS dibahas dan dibicarakan secara 4. All GMS agendas are discussed on an ongoing basis.
berkesinambungan.
5. Setelah selesai pelaksanaan RUPS, Pemimpin RUPS akan 5. After the GMS is convened, the GMS chairperson will provide
memberikan kesempatan kepada para Pemegang Saham atau an opportunity for the Shareholders or their proxies to ask
kuasanya untuk mengajukan pertanyaan, pendapat, usul atau questions, provide opinions, advice, or suggestions prior to
saran sebelum diadakan pemungutan suara mengenai hal yang voting on matters related to the implementation of the said
berhubungan dengan pelaksanaan RUPS yang dibicarakan. GMS.
6. Pihak yang berhak mengajukan pertanyaan dan/atau pendapat 6. Parties entitled to ask questions and/or provide opinions at
dalam pelaksanaan RUPS hanyalah para Pemegang Saham the GMS are only the Bank’s Shareholders or their legal proxies
Bank atau kuasanya yang sah yang namanya tercatat dalam whose names are recorded in the Bank’s Shareholder Register
Daftar Pemegang Saham Bank sehari sebelum tanggal the day before the date of the GMS Invitation.
Pemanggilan RUPS.
240 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
7. Pertanyaan 7. Question
a. Para Pemegang Saham yang ingin mengajukan pertanyaan, a. Shareholders who wish to ask questions are welcome to
dipersilahkan untuk mengangkat tangan dan mengisi raise their hands and fill out the question forms that have
formulir pertanyaan yang telah dibagikan. Petugas akan been distributed. The officer will collect the form that has
mengumpulkan formulir yang sudah diisi oleh penanya, been filled in by the questioner, which includes the name,
yang mencantumkan nama, jumlah saham yang dimiliki number of shares owned or represented, and the questions
atau diwakili, dan pertanyaan yang diajukan; asked;
b. Setelah penanya mengajukan pertanyaan melalui formulir, b. After the questioner submits a question via the form, the
Pemimpin RUPS akan menjawab atau menanggapinya; GMS Chairperson will answer or respond to such; and
serta
c. Pertanyaan yang akan dijawab adalah pertanyaan yang c. The questions that will be answered are questions that are
berkaitan langsung dengan pelaksanaan RUPS; directly related to the implementation of the GMS;
8. Hak Suara 8. Voting Rights
a. Hanya para Pemegang Saham Bank yang namanya tercatat a. Only the Bank’s Shareholders whose names are recorded in
dalam Daftar Pemegang Saham Bank sehari sebelum the Bank’s Shareholder Register the day before the date of
tanggal panggilan atau kuasanya yang berhak untuk the GMS Invitation or their proxies are entitled to vote; and
mengeluarkan suara; serta
b. Setiap saham memberikan hak kepada pemegangnya b. Each share entitles the holder to one vote;
untuk mengeluarkan satu suara;
9. Keputusan RUPS dilakukan dengan cara musyawarah untuk 9. GMS resolutions are adopted by deliberation to reach a
mufakat, apabila musyawarah untuk mufakat tidak tercapai, consensus. If deliberation for consensus is not reached, then a
maka dilakukan pemungutan suara. vote is taken.
Tahapan pelaksanaan RUPS Tahunan dan RUPS Luar Biasa Stages of the implementation of the Annual GMS and Extraordinary
di Bank INA diuraikan sebagai berikut. GMS in Bank INA are described as follows.
Kegiatan Keterangan
Activity Remark
Pemberitahuan Pemberitahuan mengenai rencana dan mata acara Notification regarding the plan and agenda of the GMS is
Notification RUPS disampaikan kepada Otoritas Jasa Keuangan 5 submitted to the Financial Services Authority 5 working
hari kerja sebelum tanggal pengumuman RUPS kepada days prior to the date of announcement of the GMS to
publik atau 44 hari kerja sebelum pelaksanaan RUPS. the public or 44 working days prior to the holding of the
GMS.
Pengumuman Pengumuman RUPS disampaikan melalui situs web The GMS announcement is submitted through the
Announcement Bank, Bursa Efek Indonesia, dan Kustodian Sentral Efek website of the Bank, Indonesian Stock Exchange, and
Indonesia 14 hari sebelum tanggal Pengumuman RUPS Indonesian Central Securities Depository 14 days
atau 37 hari kerja sebelum penyelenggaraan RUPS. prior to the date of the GMS Announcement or 37
Bukti Pengumuman RUPS di surat kabar disampaikan working days prior to the holding of the GMS. Proof of
kepada Otoritas Jasa Keuangan 2 hari kerja setelah announcement of the GMS in a newspaper is submitted
pengumuman RUPS. to the Financial Services Authority 2 working days after
the announcement of the GMS.
Pemanggilan Pemanggilan RUPS disampaikan minimal melalui situs GMS invitation is submitted at least through the
Invitation web Bank, Bursa Efek Indonesia, dan Kustodian Sentral website of the Bank, Indonesia Stock Exchange, and
Efek Indonesia 23 hari sebelum penyelenggaraan RUPS. Indonesian Central Securities Depository 23 days prior
Sementara itu, bukti pemanggilan RUPS disampaikan to the holding of the GMS. Meanwhile, proof of the
kepada Otoritas Jasa Keuangan 22 hari sebelum GMS invitation is submitted to the Financial Services
penyelenggaraan RUPS. Authority 22 days prior to the holding of the GMS.
Penyelenggaraan RUPS diadakan di Kantor Pusat Bank dengan ketentuan The GMS is held at Head Office of the Bank, provided
Implementation dihadiri oleh Pemegang Saham Independen yang that it is attended by Independent Shareholders who
mewakili ½ bagian dari jumlah seluruh saham dengan represent ½ part of the total shares with valid voting
hak suara sah yang dimiliki oleh Pemegang Saham rights owned by Independent Shareholders.
Independen.
Ringkasan Risalah Ringkasan risalah RUPS disampaikan melalui situs web The summary of the GMS minutes is submitted through
Summary of Minutes Bank, Bursa Efek Indonesia, dan Kustodian Sentral Efek the website of the Bank, Indonesia Stock Exchange, and
Indonesia 2 hari kerja setelah penyelenggaraan RUPS. Indonesian Central Securities Depository 2 working
days after the GMS is held.
PT Bank Ina Perdana Tbk 241
Page 244
Tata Kelola Perusahaan
Corporate Governance
Pelaksanaan RUPS Tahun 2024 Implementation of the 2024 GMS
Bank INA telah menyelenggarakan RUPS Tahunan pada 20 Juni 2024 Bank INA has held an Annual GMS on June 20, 2024 and
serta 2 kali RUPS Luar Biasa, yaitu pada 15 Maret 2024 dan 20 Juni 2 Extraordinary GMS, namely on March 15, 2024 and June 20, 2024.
2024. Seluruh RUPS dilaksanakan di Gedung Ariobimo Sentral All of the GMS were held at the Ariobimo Sentral Building Lt. 8,
Lt. 8, Jl. HR Rasuna Said Blok X-2, Kav. 5, Kuningan, Jakarta Selatan. Jl. HR Rasuna Said Blok X-2, Kav. 5, Kuningan, Jakarta Selatan.
Informasi lebih lanjut mengenai pelaksanaan RUPS Tahunan 2024 Further information regarding the implementation of the 2024
dapat dilihat pada tabel berikut. Annual GMS is available in the following table.
Peserta RUPS Luar Biasa 15 Maret 2024
Participants of Extraordinary GMS on 15 March 2024
Pengurus Bank
Bank Management
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Komisaris Utama Independen : Inawaty Handojo Independent President Commissioner : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo Independent Commissioner : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan Commissioner : Josavia Rachman Ichwan
DIREKSI
BOARD OF DIRECTORS
Direktur Utama : Henry Koenaifi President Director : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi Vice President Director : Yulius Purnama Junaed
Direktur Keuangan : Kiung Hui Ngo Director of Finance : Kiung Hui Ngo
Direktur Manajemen Risiko : Adhiputra Tanoyo Director of Risk Management : Adhiputra Tanoyo
dan Kepatuhan and Compliance
Direktur Bisnis Retail dan Jaringan : Yandy Ramadhani Director of Retail Business and Network : Yandy Ramadhani
Pemegang Saham
Shareholders
Dihadiri oleh 5.900.911.084 saham yang memiliki hak suara yang sah atau Attended by 5,900,911,084 shares with valid voting rights or equivalent to
setara dengan 96,19% dari seluruh jumlah saham dengan hak suara yang sah 96.19% of the total number of shares with valid voting rights issued by the
yang telah dikeluarkan oleh Bank yang seluruhnya berjumlah 6.134.716.665 Bank, totaling 6,134,716,665 shares.
saham.
Lembaga Penunjang Pasar Modal
Capital Market Supporting Institutions
Notaris : Christina Dwi Utami, SH, MHum, MKn Notary : Christina Dwi Utami, SH, MHum, MKn
Biro Administrasi Efek : PT Raya Saham Registra Share Registrar : PT Raya Saham Registra
Agenda RUPS Luar Biasa 15 Maret 2024
Agenda of Extraordinary GMS on 15 March 2024
1. Persetujuan Perubahan Susunan Direksi. 1. Approval of Changes in the Composition of the Board of Directors.
2. Persetujuan Perubahan Anggaran Dasar Bank. 2. Approval of Amendments to the Bank’s Articles of Association
Keputusan dan Realisasi RUPS Luar Biasa 15 Maret 2024
Resolution and Realization of Extraordinary GMS on 15 March 2024
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 1
AGENDA - ITEM 1
1. Menyetujui dan mengangkat Ibu Dewi K. Prodjohartono sebagai Direktur Bank, berlaku Disetujui oleh 96,67% Telah direalisasikan
efektif terhitung sejak diperolehnya persetujuan dari Otoritas Jasa Keuangan atas Pemegang Saham yang hadir. sepenuhnya.
penilaian kemampuan dan kepatutan (fit and proper test) dan memenuhi peraturan dan
perundang-undangan yang berlaku sampai dengan ditutupnya RUPS Tahunan Bank
yang akan diselenggarakan pada tahun 2024, dengan tidak mengurangi hak RUPS untuk
memberhentikannya sewaktu-waktu.
Pengangkatan tersebut menjadi batal apabila yang bersangkutan tidak mendapat
persetujuan atas penilaian kemampuan dan kepatutan (fit and proper test) dari Otoritas Jasa
Keuangan, dan untuk itu tidak diperlukan keputusan dari RUPS Bank kembali.
242 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
2. Menetapkan susunan Direksi Bank sebagai berikut.
Direksi
Direktur Utama : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi
Direktur Keuangan : Kiung Hui Ngo
Direktur Manajemen Risiko : Adhiputra Tanoyo
dan Kepatuhan
Direktur Bisnis Retail : Yandy Ramadhani
dan Jaringan
Direktur Komersial Banking : Dewi K. Prodjohartono*)
*)
Pengangkatan sebagai Direktur berlaku efektif sejak memperoleh persetujuan dari Otoritas
Jasa Keuangan atas penilaian dan kepatutan (fit and proper test) dan memenuhi peraturan
perundang-undangan yang berlaku.
3. Memberikan kuasa kepada Direksi, dengan hak substitusi, baik sendiri-sendiri maupun
bersama-sama, untuk melakukan segala tindakan yang diperlukan sehubungan dengan
pengangkatan anggota Direksi Bank, termasuk namun tidak terbatas untuk menuangkan/
menyatakan keputusan mengenai susunan anggota Direksi dalam akta-akta yang dibuat
di hadapan Notaris, setelah memperoleh persetujuan atas penilaian kemampuan dan
kepatutan (fit and proper) dari Otoritas Jasa Keuangan, dan selanjutnya memberitahukannya
pada pihak yang berwenang, serta melakukan semua dan setiap tindakan yang diperlukan
sehubungan dengan keputusan tersebut sesuai peraturan perundangan yang berlaku.
1. Approved and appointed Mrs. Dewi K. Prodjohartono as the Director of the Bank, effective Approved by 96.67% of Has been fully realized.
upon obtaining approval from the Financial Services Authority for the fit and proper test and Shareholders present.
compliance with applicable laws and regulations until the closing of the Bank’s Annual GMS
which will be held in 2024, without prejudice to the GMS’s right to dismiss her at any time.
The appointment will be canceled if the person concerned does not receive approval for
the fit and proper test from the Financial Services Authority, and for this reason a decision
from the Bank’s GMS is not required.
2. Determined the composition of the Bank’s Board of Directors as follows.
Board of Directors
President Director : Henry Koenaifi
Vice President Director : Yulius Purnama Junaedi
Director of Finance : Kiung Hui Ngo
Director of Risk Management : Adhiputra Tanoyo
and Compliance
Director of Retail Business : Yandy Ramadhani
and Network
Director of Commercial : Dewi K. Prodjohartono*)
Banking
*)
Reappointment as a Directors is effective upon obtaining approval from the Financial
Services Authority for the fit and proper test and compliance with applicable laws and
regulations.
3. Granted power to the Board of Directors, with substitution right, either individually or
jointly, to take all necessary actions in connection with the reappointment of members
of the Bank’s Board of Directors, including but not limited to declaring/stating resolution
regarding the composition of the members of the Bank’s Board of Directors in deeds drawn
up before a Notary, after obtaining approval for the fit and proper test from Financial Services
Authority, and subsequently notifying it to the competent authorities, as well as taking all
and any necessary actions required in connection with such resolutions in accordance with
applicable laws and regulations.
MATA ACARA 2
AGENDA - ITEM 2
1. Menyetujui dan mengubah Pasal 14 ayat 3 Anggaran Dasar Bank, sebagaimana telah Disetujui oleh 96,67% Pemegang Telah direalisasikan
dijelaskan dalam Rapat. Saham yang hadir. sepenuhnya.
2. Memberikan wewenang dan kuasa kepada Direksi Bank, dengan hak substitusi, untuk
melakukan segala dan setiap tindakan yang diperlukan sehubungan keputusan tersebut,
termasuk tetapi tidak terbatas untuk menyatakan/menuangkan keputusan tersebut dalam
akta-akta yang dibuat di hadapan Notaris, untuk mengubah, menyesuaikan dan/atau
menyusun kembali ketentuan Pasal 14 ayat 3 Anggaran Dasar Bank atau Pasal 14 Anggaran
Dasar Bank secara keseluruhan, sebagaimana disyaratkan oleh serta sesuai dengan
ketentuan perundang-undangan yang berlaku, yang selanjutnya untuk menyampaikan
pemberitahuan atas keputusan rapat ini dan/atau perubahan Anggaran Dasar Bank dalam
keputusan rapat ini kepada instansi yang berwenang, serta melakukan semua dan setiap
tindakan yang diperlukan, sesuai dengan peraturan perundang-undangan yang berlaku.
PT Bank Ina Perdana Tbk 243
Page 246
Tata Kelola Perusahaan
Corporate Governance
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
1. Approved and amended Article 14 paragraph 3 of the Bank’s Articles of Association as Approved by 96.67% of Has been fully realized.
explained in the Meeting. Shareholders present.
2. Granted authority and power to the Bank’s Board of Directors, with substitution right, to take
all and any necessary actions in connection with the resolution, including but not limited
to declaring/stating the resolution in deeds drawn up before a Notary, to amend, adjust
and/or rearrange the provisions of Article 14 paragraph 3 of the Bank’s Articles of Association
or Article 14 of Bank’s Articles of Association as a whole, as required by and in accordance
with the prevailing laws and regulations, and subsequently notifying the resolution of
this meeting and/or the amendment to the Bank’s Articles of Association in this meeting
resolution to the competent authorities, as well as taking all and any necessary actions
required, in accordance with applicable laws and regulations.
Peserta RUPS Tahunan dan RUPS Luar Biasa 20 Juni 2024
Participants of the Annual GMS and Extraordinary GMS on 20 June 2024
Pengurus Bank
Bank Management
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Komisaris Utama Independen : Inawaty Handojo Independent President Commissioner : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo Independent Commissioner : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan Commissioner : Josavia Rachman Ichwan
DIREKSI
BOARD OF DIRECTORS
Direktur Utama : Henry Koenaifi President Director : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi Vice President Director : Yulius Purnama Junaedi
Direktur Keuangan : Kiung Hui Ngo Director of Finance : Kiung Hui Ngo
Direktur Manajemen Risiko : Adhiputra Tanoyo Director of Risk Management : Adhiputra Tanoyo
dan Kepatuhan and Compliance
Direktur Bisnis Retail dan Jaringan : Yandy Ramadhani Director of Retail Business and Network : Yandy Ramadhani
Direktur Komersial Banking : Dewi K. Prodjohartono Director of Commercial Banking : Dewi K. Prodjohartono
Pemegang Saham
Shareholders
Dihadiri oleh 5.901.158.660 saham yang memiliki hak suara yang sah atau Attended by 5,901,158,660 shares with valid voting rights or equivalent to
setara dengan 96,19% dari seluruh jumlah saham dengan hak suara yang sah 96.19% of the total number of shares with valid voting rights issued by the
yang telah dikeluarkan oleh Bank yang seluruhnya berjumlah 6.134.716.665 Bank, totaling 6,134,716,665 shares.
saham.
Lembaga Penunjang Pasar Modal
Capital Market Supporting Institutions
Notaris : Gatot Widodo, SE, SH, MKn Notary : Gatot Widodo, SE, SH, MKn
Biro Administrasi Efek : PT Raya Saham Registra Share Registrar : PT Raya Saham Registra
Kantor Akuntan Publik : Purwantono, Sungkoro & Surja Public Accounting Firm : Purwantono, Sungkoro & Surja
(a member firm of Ernst & Young) (a member firm of Ernst & Young)
Agenda RUPS Tahunan dan RUPS Luar Biasa 20 Juni 2024
Agenda of the Annual GMS and EGMS on 20 June 2024
RUPS Tahunan 20 Juni 2024
Annual GMS June 20, 2024
1. Persetujuan dan pengesahan atas Laporan Tahunan, termasuk Laporan 1. Approval and ratification of the Annual Report, including the Financial
Keuangan dan Laporan Tugas Pengawasan Dewan Komisaris Bank Statements and the Supervisory Report of the Bank’s Board of
untuk tahun buku 2023 serta memberikan pelunasan dan pembebasan Commissioners for the 2023 financial year, as well as granting release and
tanggung jawab (acquit et de charge) kepada anggota Direksi atas tindakan discharge of responsibilities (acquit et de charge) to the Board of Directors’
pengurusan dan kepada anggota Dewan Komisaris Bank atas tindakan members for the management and the Bank’s Board of Commissioners’
pengawasan yang dilakukan selama tahun buku 2023. members for their supervisory actions carried out throughout the 2023
financial year.
2. Penetapan penggunaan laba bersih Bank untuk tahun buku 2023. 2. Appropriation of the use of the Bank’s net income for 2023 the financial
year.
3. Penetapan gaji dan tunjangan dan/atau penghasilan lain bagi anggota 3. Determination of salaries and allowances and/or other income for members
Direksi serta honorarium dan/atau tunjangan anggota Dewan Komisaris of the Board of Directors and honorarium and/or allowances for members
Perseroan untuk tahun buku 2024. of the Bank’s Board of Commissioners for the 2024 financial year.
244 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
4. Penunjukan akuntan publik dan kantor akuntan publik terdaftar yang 4. Appointment of public accountant and a registered public accounting
akan memeriksa Laporan Keuangan Bank untuk tahun buku 2024 dan firm to audit the Bank’s Financial Statements for the 2024 financial year
persetujuan penetapan besarnya honorarium akuntan publik serta syarat and approval of the determination of the honorarium and other terms of
lain dalam penunjukan tersebut. the appointment.
5. Persetujuan pengangkatan kembali anggota Direksi dan Dewan Komisaris 5. Approval of the reappointment of members of the Bank’s Board of Directors
Bank. and Board of Commissioners.
6. Laporan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran 6. Accountability report on the Realization of the use of Proceeds from Limited
Umum Terbatas (PUT) IV. Public Offering (PUT) IV.
RUPS Luar Biasa 20 Juni 2024
Extraordinary GMS June 20, 2024
Persetujuan Perubahan Anggaran Dasar Bank. Approval of Amendments to the Bank’s Articles of Association.
Keputusan dan Realisasi RUPS Tahunan 20 Juni 2024
Resolution and Realization of the Annual GMS on 20 June 2024
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 1
AGENDA - ITEM 1
1. Menerima baik dan menyetujui Laporan Tahunan Bank untuk tahun buku yang berakhir Disetujui oleh 100% Pemegang Telah direalisasikan
pada tanggal 31 Desember 2023, termasuk Laporan Direksi dan Laporan Tugas Pengawasan Saham yang hadir. sepenuhnya.
Dewan Komisaris Bank.
2. Menerima baik dan menyetujui serta mengesahkan Laporan Keuangan Bank untuk
tahun buku yang berakhir pada tanggal 31 Desember 2023 yang telah diaudit oleh Kantor
Akuntan Publik Purwantono, Sungkoro & Surja (a member Firm of Ernst & Young) dengan
opini audit tanpa modifikasian (dahulu wajar tanpa pengecualian) sesuai dengan Laporan
No. 00465/2.1032/AU.1/07/1008-1/1/III/2024, tanggal 30 Maret 2024. Dengan demikian,
membebaskan anggota Direksi dan Dewan Komisaris Bank dari tanggung jawab dan segala
tanggungan (acquit et de charge) atas tindakan pengurusan dan pengawasan yang Direksi
dan Dewan Komisaris jalankan selama tahun buku 2023, sepanjang tindakan-tindakan
mereka tercantum dalam neraca dan Laporan Laba Rugi Bank tahun buku 2023.
1. Accepted and approved the Bank’s Annual Report for the financial year ending December Approved by 100% of Has been fully realized.
31, 2023, including the Board of Directors’ Report and the Bank’s Board of Commissioners’ Shareholders present.
Supervisory Report.
2. Accepted, approved, and ratified the Bank’s Financial Statements for the financial year
ending December 31, 2023, which have been audited by Public Accounting Firm Purwantono,
Sungkoro & Surja (a member firm of Ernst & Young) with an Unmodified Audit Opinion
(formerly Unqualified) in line with Report No. 00465/2.1032/AU.1/07/1008-1/1/III/202, dated
March 30, 2024. Thus, releasing members of the Bank’s Board of Commissioners and Board
of Directors from responsibility and all liabilities (acquit et de charge) on the management
and supervisory actions carried out by the Board of Directors and Board of Commissioners
throughout the 2023 financial year, provided that their actions are listed in the Bank’s
Balance Sheet and Profit and Loss for the 2023 financial year.
MATA ACARA 2
AGENDA - ITEM 2
Menyetujui dan menetapkan penggunaan laba bersih Bank untuk tahun buku yang berakhir Disetujui oleh 100% Pemegang Telah direalisasikan
pada tanggal 31 Desember 2023, akan digunakan untuk pengembangan usaha Bank, dengan Saham yang hadir. sepenuhnya.
rincian sebagai berikut.
1. Sebesar Rp41.575.272.054,- dibukukan sebagai pembentukan dana cadangan umum,
guna memenuhi ketentuan Pasal 70 Undang-Undang No. 40 Tahun 2007 tentang Perseroan
Terbatas dan Pasal 21 Anggaran Dasar Bank.
2. Sisanya sebesar Rp166.301.088.216,- akan dibukukan sebagai laba ditahan. Dengan
demikian Bank tidak memberikan dividen untuk tahun buku 2023.
Approved and appropriated the use of the Bank’s net income for the financial year ending Approved by 100% of Has been fully realized.
December 31, 2023, which will be used for the Bank’s business development, with the following Shareholders present.
details.
1. An amount of Rp41,575,272,054 will be recorded as a general reserve, in order to comply
with the provisions of Article 70 of Law No. 40 of 2007 on Limited Liability Company and
Article 21 of the Bank’s Articles of Association.
2. The remaining amount of Rp166,301,088,216 will be recorded as retained earnings.
Thus, the Bank does not distribute dividends for the 2023 financial year.
PT Bank Ina Perdana Tbk 245
Page 248
Tata Kelola Perusahaan
Corporate Governance
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 3
AGENDA - ITEM 3
1. Menyetujui memberi kuasa dan wewenang kepada wakil Pemegang Saham Bank, yaitu Disetujui oleh 100% Pemegang Telah direalisasikan
PT Indolife Pensiontama untuk menetapkan besarnya honorarium anggota Dewan Komisaris Saham yang hadir. sepenuhnya.
untuk tahun 2024, dengan mempertimbangkan rekomendasi dari Komite Remunerasi dan
Nominasi tertanggal 23 April 2024.
2. Menyetujui pelimpahan wewenang kepada Pemegang Saham Pengendali Bank untuk
menetapkan besarnya gaji dan tunjangan para anggota Direksi untuk tahun 2024, dengan
mempertimbangkan rekomendasi dari Komite Remunerasi dan Nominasi tertanggal 23 April
2024.
1. Approved to give power and authority to representatives of the Bank’s Shareholders, namely Approved by 100% of Has been fully realized.
PT Indolife Pensiontama to determine the honorarium amount for members of the Board Shareholders present.
of Commissioners for 2024, by considering recommendations from the Remuneration and
Nomination Committee dated April 23, 2024.
2. Approved the delegation of authority to the Bank’s Controlling Shareholders to determine
the amount of salaries and allowances for members of the Board of Directors for 2024,
by considering by considering recommendations from the Remuneration and Nomination
Committee dated April 23, 2024.
MATA ACARA 4
AGENDA - ITEM 4
Menyetujui pelimpahan wewenang dan pemberian kuasa kepada Dewan Komisaris untuk Disetujui oleh 99.99% Telah direalisasikan
menunjuk akuntan publik dan/atau kantor akuntan publik yang akan memeriksa Laporan Pemegang Saham yang hadir. sepenuhnya.
Keuangan Bank untuk tahun buku 2024, oleh karena sedang dipertimbangkan dan dievaluasi
untuk penunjukan akuntan publik dan/atau kantor akuntan publik lebih lanjut, dengan
memperhatikan rekomendasi dari Komite Audit, serta menetapkan honorarium akuntan publik
dan/atau kantor akuntan publik tersebut serta persyaratan lain penunjukannya, termasuk
pemberhentian maupun menunjuk penggantinya.
Approved the delegation of authority and granting of power to the Board of Commissioners Approved by 99.99% of Has been fully realized.
to appoint a public accountant and/or public accounting firm that will audit the Bank’s Shareholders present.
Financial Statements for the 2024 financial year, due to under consideration and evaluation
for further appointment of a public accountant and/or public accounting firm, by considering
recommendations from the Audit Committee, as well as determining the honorarium for
the public accountant and/or public accounting firm as well as other requirements for the
appointment, including dismissal or appointing a replacement.
MATA ACARA 5
AGENDA - ITEM 5
1. Mengangkat kembali: Disetujui oleh 100% Pemegang Telah direalisasikan
Dewan Komisaris Saham yang hadir. sepenuhnya.
Komisaris Utama Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi
Direktur Keuangan : Kiung Hui Ngo
Direktur Manajemen Risiko : Adhiputra Tanoyo
dan Kepatuhan
Direktur Bisnis Retail : Yandy Ramadhani
dan Jaringan
Direktur Komersial Banking : Dewi K. Prodjohartono
Untuk masa jabatan selama 3 tahun, terhitung sejak ditutupnya rapat ini sampai dengan
ditutupnya RUPS Tahunan Bank pada tahun 2027, dengan tidak mengurangi hak RUPS untuk
memberhentikannya (mereka) sewaktu-waktu.
2. Menetapkan susunan Direksi dan Dewan Komisaris Bank adalah sebagai berikut.
Dewan Komisaris
Komisaris Utama Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi
Direktur Keuangan : Kiung Hui Ngo
Direktur Manajemen Risiko : Adhiputra Tanoyo
dan Kepatuhan
Direktur Bisnis Retail : Yandy Ramadhani
dan Jaringan
Direktur Komersial Banking : Dewi K. Prodjohartono
246 PT Bank Ina Perdana Tbk
Page 249
Laporan Tahunan 2024
2024 Annual Report
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
Memberikan kuasa kepada Direksi, dengan hak substitusi, baik sendiri-sendiri maupun
bersama-sama, untuk melakukan segala tindakan yang diperlukan sehubungan dengan
pengangkatan kembali anggota Direksi dan Dewan Komisaris Bank, termasuk namun tidak
terbatas untuk menuangkan/menyatakan keputusan mengenai susunan anggota Direksi
dan Dewan Komisaris Bank dalam akta-akta yang dibuat di hadapan Notaris, termasuk
menuangkan/menyatakan susunan Direksi dan Dewan Komisaris Bank dan selanjutnya
memberitahukannya pada pihak yang berwenang, serta melakukan semua dan setiap
tindakan yang diperlukan sehubungan dengan keputusan tersebut sesuai peraturan
perundangan yang berlaku.
1. Reappointed: Approved by 100% of Has been fully realized.
Board of Commissioners Shareholders present.
Independent President Commissioner : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi
Vice President Director : Yulius Purnama Junaedi
Director of Finance : Kiung Hui Ngo
Director of Risk Management : Adhiputra Tanoyo
and Compliance
Director of Retail Business : Yandy Ramadhani
and Network
Director of Commercial : Dewi K. Prodjohartono
Banking
For a term of office of 3 years, starting from the closing of this meeting until the closing of the
Bank’s 2027 Annual GMS, without prejudice to the GMS’s right to dismiss (them) at any time.
2. Determined the composition of the Bank’s Board of Directors and Board of Commissioners as
follows.
Board of Commissioners
Independent President Commissioner : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi
Vice President Director : Yulius Purnama Junaedi
Director of Finance : Kiung Hui Ngo
Director of Risk Management : Adhiputra Tanoyo
and Compliance
Director of Retail Business : Yandy Ramadhani
and Network
Director of Commercial : Dewi K. Prodjohartono
Banking
3. Granted power to the Board of Directors, with substitution right, either individually or jointly,
to take all necessary actions in connection with the reappointment of members of the Bank’s
Board of Directors and Board of Commissioners, including but not limited to declaring/
stating resolution regarding the composition of the members of the Bank’s Board of Directors
and Board of Commissioners in deeds drawn up before a Notary, including declaring/
stating the composition of the Bank’s Board of Directors and Board of Commissioners and
subsequently notifying it to the competent authorities, as well as taking all and any necessary
actions required in connection with such resolutions in accordance with applicable laws and
regulations.
MATA ACARA 6
AGENDA - ITEM 6
Mata acara ini bersifat laporan dan tidak memerlukan persetujuan rapat. Tidak ada pemungutan suara. Telah direalisasikan
sepenuhnya.
This agenda item is a report and does not require meeting approval. No voting. Has been fully realized.
PT Bank Ina Perdana Tbk 247
Page 250
Tata Kelola Perusahaan
Corporate Governance
Keputusan dan Realisasi RUPS Luar Biasa 20 Juni 2024
Resolution and Realization of Extraordinary GMS on 20 June 2024
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 1
AGENDA - ITEM 1
1. Menyetujui perubahan Anggaran Dasar Bank sebagaimana telah dijelaskan dalam Rapat. Disetujui oleh 99,86% Pemegang Telah direalisasikan
2. Menyetujui untuk memberikan wewenang dan kuasa kepada Direksi Bank, baik sendiri- Saham yang hadir. sepenuhnya.
sendiri maupun bersama-sama dengan hak substitusi untuk melakukan segala dan setiap
tindakan yang diperlukan sehubungan dengan keputusan tersebut, termasuk tetapi tidak
terbatas untuk menyatakan/menuangkan keputusan tersebut dalam akta-akta yang dibuat
di hadapan Notaris, untuk mengubah dan/atau menyusun kembali seluruh ketentuan
Anggaran Dasar Bank sesuai keputusan tersebut sebagaimana yang disyaratkan oleh serta
sesuai dengan ketentuan perundang-undangan yang berlaku, yang selanjutnya untuk
mengajukan permohonan persetujuan dan/atau menyampaikan pemberitahuan atas
keputusan rapat ini dan/atau perubahan Anggaran Dasar Bank dalam keputusan rapat
ini kepada instansi yang berwenang, serta melakukan semua dan setiap tindakan yang
diperlukan sesuai dengan peraturan perundang-undangan yang berlaku.
1. Approved the amendment of the Bank’s Articles of Association as explained in the Meeting. Approved by 99.86% of Has been fully realized.
2. Approved to grant authority and power to the Bank’s Board of Directors, either individually Shareholders present.
or jointly, with substitution right, to take all and any necessary actions in connection
with the resolution, including but not limited to declaring/stating the resolution in deeds
drawn up before a Notary, to amend and/or rearrange the provisions of the Bank’s Articles
of Association as a whole, as required by and in accordance with the prevailing laws and
regulations, and subsequently submitting a request for approval and/or notifying the
resolution of this meeting and/or the amendment to the Bank’s Articles of Association in
this meeting resolution to the competent authorities, as well as taking all and any necessary
actions required in accordance with applicable laws and regulations.
Keputusan dan Realisasi atas Keputusan Resolutions and Realization of the 2023 Annual
RUPS Tahunan dan Luar Biasa 2023 and Extraordinary GMS Resolutions
Keputusan dan Realisasi RUPS Tahunan 16 Juni 2023
Resolutions and Realization of the Annual GMS dated June 16, 2023
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 1
AGENDA - ITEM 1
1. Menerima dengan baik dan menyetujui Laporan Tahunan Bank untuk tahun buku yang Disetujui oleh 100% Pemegang Telah direalisasikan
berakhir pada tanggal 31 Desember 2022, termasuk Laporan Direksi dan Laporan Tugas Saham yang hadir. sepenuhnya.
Pengawasan Dewan Komisaris Bank.
2. Menerima dengan baik dan menyetujui serta mengesahkan Laporan Keuangan Bank untuk
tahun buku yang berakhir pada tanggal 31 Desember 2022 yang telah diaudit oleh Kantor
Akuntan Publik Purwantono, Sungkoro & Surja (a member firm of Ernst & Young) dengan
opini audit tanpa modifikasian (dahulu wajar tanpa pengecualian) sesuai dengan Laporan
No. 00474/2.1032/AU.1/07/1681-3/1/III/2023, tanggal 30 Maret 2023. Dengan demikian,
membebaskan anggota Direksi dan Dewan Komisaris Bank dari tanggung jawab dan segala
tanggungan (acquit et de charge) atas tindakan pengurusan dan pengawasan yang Direksi
dan Dewan Komisaris jalankan selama tahun buku 2022, sepanjang tindakan-tindakan
mereka tercantum dalam neraca dan laporan laba rugi Bank tahun buku 2022.
1. Accepted and approved the Bank’s Annual Report for the financial year ending December Approved by 100% of Has been fully realized.
31, 2022, including the Board of Directors’ Report and the Bank’s Board of Commissioners’ Shareholders present.
Supervisory Report.
2. Accepted, approved, and ratified the Bank’s Financial Statements for the financial year
ending December 31, 2022, which have been audited by the Public Accounting Firm
Purwantono, Sungkoro & Surja (a member firm of Ernst & Young) with an Unmodified
Audit Opinion (formerly Unqualified) in accordance with Report No. 00474/2.1032/
AU.1/07/1681-3/1/III/2023, dated March 30, 2023. Thus, releasing members of the Bank’s
Board of Commissioners and Board of Directors from responsibility and all liabilities (acquit
et de charge) on the supervisory and management actions carried out by the Board of
Commissioners and the Board of Directors during the 2022 financial year, provided that their
actions are listed in the Bank’s Balance Sheet and Profit and Loss for the 2022 financial year.
248 PT Bank Ina Perdana Tbk
Page 251
Laporan Tahunan 2024
2024 Annual Report
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 2
AGENDA - ITEM 2
Menyetujui dan menetapkan penggunaan laba bersih Bank untuk tahun buku yang berakhir Disetujui oleh 100% Pemegang Telah direalisasikan
pada tanggal 31 Desember 2022, akan digunakan untuk pengembangan usaha Bank dengan Saham yang hadir. sepenuhnya.
rincian sebagai berikut.
1. Sebesar Rp31.409.485.087,- dibukukan sebagai pembentukan dana cadangan umum,
guna memenuhi ketentuan Pasal 70 Undang-Undang No. 40 Tahun 2007 tentang Perseroan
Terbatas dan Pasal 21 Anggaran Dasar Bank.
2. Sisanya sebesar Rp125.637.940.346,- akan dibukukan sebagai laba ditahan.
Approved and appropriated the use of the Bank’s net income for the financial year ending Approved by 100% of Has been fully realized.
December 31, 2022, which will be used for the Bank’s business development, with the following Shareholders present.
details.
1. An amount of Rp31,409,485,087 will be recorded as a general reserve, in order to comply with
the provisions of Article 70 of Law No. 40 of 2007 on Limited Liability Companies and Article
21 of the Bank’s Articles of Association.
2. The remaining amount of Rp125,637,940,346 will be recorded as retained earnings.
MATA ACARA 3
AGENDA - ITEM 3
1. Menyetujui memberi kuasa dan wewenang kepada wakil Pemegang Saham Bank, yaitu Disetujui oleh 100% Pemegang Telah direalisasikan
PT Indolife Pensiontama untuk menetapkan besarnya honorarium anggota Dewan Komisaris Saham yang hadir. sepenuhnya.
untuk tahun 2023.
2. Melimpahkan wewenang kepada Dewan Komisaris Bank untuk menetapkan besar gaji dan
tunjangan para anggota Direksi untuk tahun 2023.
1. Approved to give power and authority to representatives of the Bank’s Shareholders, namely Approved by 100% of Has been fully realized.
PT Indolife Pensiontama, to determine the honorarium amount for members of the Board of Shareholders present.
Commissioners for 2023.
2. To delegate authority to the Bank’s Board of Commissioners to determine the amount of
salaries and allowances for members of the Board of Directors for 2023.
MATA ACARA 4
AGENDA - ITEM 4
Menyetujui pelimpahan wewenang dan pemberian kuasa kepada Dewan Komisaris untuk Disetujui oleh 99,99% Telah direalisasikan
menunjuk akuntan publik dan/atau kantor akuntan publik yang akan memeriksa Laporan Pemegang Saham yang hadir. sepenuhnya.
Keuangan Bank untuk tahun buku 2023, oleh karena sedang dipertimbangkan dan dievaluasi
untuk penunjukan akuntan publik dan/atau kantor akuntan publik lebih lanjut, dengan
memperhatikan rekomendasi dari Komite Audit, serta menetapkan honorarium akuntan publik
dan/atau kantor akuntan publik tersebut serta persyaratan lain penunjukannya, termasuk
pemberhentian maupun menunjuk penggantinya.
Approved the delegation of authority and granting of power to the Board of Commissioners Approved by 99.99% of Has been fully realized.
to appoint a public accountant and/or public accounting firm that will audit the Bank’s Shareholders present.
Financial Statements for the 2023 financial year, due to under consideration and evaluation
for further appointment of a public accountant and/or public accounting firm, by considering
recommendations from the Audit Committee, as well as determining the honorarium for
the public accountant and/or public accounting firm as well as other requirements for the
appointment, including dismissal or appointing a replacement.
MATA ACARA 5
AGENDA - ITEM 5
Mata acara ini bersifat laporan dan tidak memerlukan persetujuan rapat. Tidak ada pemungutan suara. Telah direalisasikan
sepenuhnya.
This agenda item is a report and does not require meeting resolution. No voting. Has been fully realized.
PT Bank Ina Perdana Tbk 249
Page 252
Tata Kelola Perusahaan
Corporate Governance
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 6
AGENDA - ITEM 6
1. Menyetujui dan mengangkat Bapak Yandy Ramadhani sebagai Direktur Bank, berlaku Disetujui oleh 100% Pemegang Telah direalisasikan
efektif terhitung sejak diperolehnya persetujuan dari Otoritas Jasa Keuangan atas Saham yang hadir. sepenuhnya.
penilaian kemampuan dan kepatutan (fit and proper test) dan memenuhi peraturan dan
perundang-undangan yang berlaku sampai dengan ditutupnya RUPS Tahunan Bank
yang akan diselenggarakan pada tahun 2024, dengan tidak mengurangi hak RUPS untuk
memberhentikannya sewaktu-waktu. Pengangkatan tersebut menjadi batal apabila yang
bersangkutan tidak mendapat persetujuan atas penilaian kemampuan dan kepatutan
(fit and proper test) dari Otoritas Jasa Keuangan, dan untuk itu tidak diperlukan keputusan
dari RUPS Bank kembali.
2. Menetapkan susunan Direksi dan Dewan Komisaris Bank sebagai berikut.
Dewan Komisaris
Komisaris Utama Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi*)
Wakil Direktur Utama : Yulius Purnama Junaedi
Direktur Keuangan : Kiung Hui Ngo
Direktur Manajemen Risiko : Adhiputra Tanoyo
dan Kepatuhan
Direktur Bisnis Retail dan Jaringan : Yandy Ramadhani*)
*)
masih proses fit and proper test
3. Memberi kuasa kepada Direksi, dengan hak substitusi, baik sendiri-sendiri maupun
bersama-sama, untuk melakukan segala tindakan yang diperlukan sehubungan dengan
pengangkatan anggota Direksi Bank, termasuk namun tidak terbatas untuk menuangkan
menyatakan keputusan mengenai susunan anggota Direksi dalam akta-akta yang dibuat
di hadapan Notaris, termasuk menuangkan menyatakan susunan Direksi dan Dewan
Komisaris Bank, setelah memperoleh persetujuan atas penilaian kemampuan dan kepatutan
(fit and proper) dari Otoritas Jasa Keuangan, dan selanjutnya memberitahukannya pada
pihak yang berwenang, serta melakukan semua dan setiap tindakan yang diperlukan
sehubungan dengan keputusan tersebut sesuai peraturan perundangan yang berlaku.
1. Approved and appointed Mr. Yandy Ramadhani as Director of the Bank, effective from the Approved by 100% of Has been fully realized.
date of obtaining approval from the Financial Services Authority for the fit and proper test Shareholders present.
and compliance with applicable laws and regulations until the closing of the Bank’s Annual
GMS which will be held in 2024, without prejudice to the GMS’s right to dismiss at any time.
The appointment will be canceled if the person concerned does not receive approval for the
fit and proper test from the Financial Services Authority, and for this reason a decision from
the Bank’s GMS is n ot required.
2. Determined the composition of the Bank’s Board of Directors and Board of Commissioners as
follows.
Board of Commissioners
Independent President Commissioner : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi*)
Vice President Director : Yulius Purnama Junaedi
Director of Finance : Kiung Hui Ngo
Director of Risk Management : Adhiputra Tanoyo
and Compliance
Director of Retail and Network : Yandy Ramadhani*)
*)
still in the process fit and proper test
3. Authorized the Board of Directors, with substitution right, either individually or jointly, to
take all necessary actions in connection with the appointment of members of the Bank’s
Board of Directors, including but not limited to declaring/stating resolution regarding
the composition of the Board of Directors’ members in deeds drawn up before a Notary,
including declaring/stating the composition of the Bank’s Board of Directors and Board
of Commissioners, after obtaining approval for the fit and proper test from the Financial
Services Authority, and subsequently notifying it to the competent authorities, as well as
taking all and any necessary actions in connection with this resolution in accordance with
applicable laws.
250 PT Bank Ina Perdana Tbk
Page 253
Laporan Tahunan 2024
2024 Annual Report
Keputusan dan Realisasi RUPS Luar Biasa 9 Januari 2023
Resolutions and Realization of Extraordinary GMS dated January 9, 2023
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 1
AGENDA - ITEM 1
1. Menyetujui pengangkatan anggota Direksi baru, terhitung sejak ditutupnya rapat ini sampai Disetujui oleh 99,99% Telah direalisasikan
dengan penutupan RUPS Tahunan Bank yang diadakan pada tahun 2024, sehingga susunan Pemegang Saham yang hadir. sepenuhnya.
anggota Direksi dan Dewan Komisaris Bank menjadi sebagai berikut.
Dewan Komisaris
Komisaris Utama Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Daniel Budirahayu
Direktur : Kiung Hui Ngo
Direktur : Yulius Purnama Junaedi
Direktur : Henry Koenaifi
Direktur Manajemen Risiko : Adhiputra Tanoyo
dan Kepatuhan
Pengangkatan kembali anggota Direksi dan Dewan Komisaris Bank terhitung sejak
ditutupnya rapat ini sampai dengan penutupan RUPS Tahunan Bank yang diadakan pada
tahun 2024.
2. Menyetujui dan menerima dengan baik pengunduran diri Bapak Budijanto Soedarpo dari
jabatannya sebagai Direktur Bank yang berlaku efektif sejak ditutupnya rapat ini.
3. Menyetujui mengangkat Bapak Henry Koenaifi selaku Direktur Bank berlaku efektif terhitung
sejak diperolehnya persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan
kepatutan (fit and proper test) dan memenuhi peraturan perundang-undangan yang berlaku.
1. Approved the appointment of new members of the Board of Directors, starting from the Approved by 99.99% of Has been fully realized.
closing of this meeting until the closing of the Bank’s Annual GMS which will be held in 2024, Shareholders present.
and thus, the composition of the Bank’s Board of Directors and Board of Commissioners will
be as follows.
Board of Commissioners
Independent President Commissioner : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Daniel Budirahayu
Director : Kiung Hui Ngo
Director : Yulius Purnama Junaedi
Director : Henry Koenaifi
Director of Risk Management : Adhiputra Tanoyo
and Compliance
Reappointment of members of the Bank’s Board of Directors and Board of Commissioners
starting from the closing of this meeting until the closing of the Company’s Annual GMS to
be held in 2024.
2. Approved and accepted the resignation of Mr. Budijanto Soedarpo from his position as
Director of the Bank which is effective from the closing of this meeting.
3. Approved to appoint Mr. Henry Koenaifi as Director of the Bank effective as of obtaining
approval from the Financial Services Authority for the fit and proper test and compliance
with applicable laws and regulations.
PT Bank Ina Perdana Tbk 251
Page 254
Tata Kelola Perusahaan
Corporate Governance
Keputusan dan Realisasi RUPS Luar Biasa 19 Mei 2023
Resolutions and Realization of Extraordinary GMS dated May 19, 2023
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
MATA ACARA 1
AGENDA - ITEM 1
Menyetujui perubahan Anggaran Dasar mengenai perubahan pada Pasal 5, Pasal 13, Pasal 14, Disetujui oleh 100% Pemegang Telah direalisasikan
Pasal 15, Pasal 16, Pasal 18, dan Pasal 19 Anggaran Dasar Bank. Saham yang hadir. sepenuhnya.
Approved amendments to the Articles of Association for Article 5, Article 13, Article 14, Approved by 100% of Has been fully realized.
Article 15, Article 16, Article 18, and Article 19 of the Bank’s Articles of Association. Shareholders present.
MATA ACARA 2
AGENDA - ITEM 2
1. Menyetujui pengangkatan Bapak Henry Koenaifi sebagai Direktur Utama dan Bapak Disetujui oleh 100% Pemegang Telah direalisasikan
Yulius Purnama Junaedi sebagai Wakil Direktur Utama, dan berlaku efektif terhitung sejak Saham yang hadir. sepenuhnya.
diperolehnya persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan
kepatutan (fit and proper test) dan memenuhi peraturan perundang-undangan yang berlaku
dan selambat-lambatnya 5 hari kerja setelah diperolehnya persetujuan dari Otoritas Jasa
Keuangan atas penilaian kemampuan dan kepatutan (fit and proper test) dan memenuhi
peraturan perundang-undangan yang berlaku serta dengan memperhatikan rekomendasi
dari Komite Remunerasi dan Nominasi tertanggal 17 April 2023 yang mengusulkan untuk
mengangkat anggota Direksi baru dengan masa jabatan sampai dengan ditutupnya
RUPS Tahunan Bank yang akan diselenggarakan pada tahun 2024, serta menyetujui
pemberhentian dengan hormat Bapak Henry Koenaifi dari posisinya sebagai Direktur Bank
dan pemberhentian dengan hormat Bapak Yulius Purnama Junaedi dari posisinya sebagai
Direktur Bank serta dengan ketentuan apabila pengangkatan Bapak Henry Koenaifi sebagai
Direktur Utama Bank dan pengangkatan Bapak Yulius Purnama Junaedi sebagai Wakil
Direktur Utama Perseroan tidak disetujui oleh Otoritas Jasa Keuangan, maka pengangkatan
Bapak Henry Koenaifi sebagai Direktur Utama dan pengangkatan Bapak Yulius Purnama
Junaedi sebagai Wakil Direktur Utama Bank menjadi batal tanpa perlu pembatalan lagi
oleh RUPS Bank dan Bapak Henry Koenaifi dan Bapak Yulius Purnama Junaedi akan tetap
menjabat sebagai Direktur Bank sampai dengan ditutupnya RUPS Tahunan Bank yang akan
diselenggarakan pada tahun 2024.
2. Menegaskan susunan anggota Direksi dan Dewan Komisaris Bank terhitung setelah
efektifnya perubahan tersebut sampai dengan penutupan RUPS Tahunan Bank yang akan
diadakan pada tahun 2024 menjadi sebagai berikut.
Dewan Komisaris
Komisaris Utama Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi
Direktur : Kiung Hui Ngo
Direktur Manajemen Risiko : Adhiputra Tanoyo
dan Kepatuhan
3. Memberikan kuasa dan wewenang kepada Direksi Bank, dengan hak substitusi untuk
menuangkan keputusan tentang susunan anggota Direksi setelah memperoleh surat
persetujuan dari Otoritas Jasa Keuangan terkait keputusan rapat tersebut di atas dalam akta
yang dibuat di hadapan Notaris, dan selanjutnya menyampaikan pemberitahuan pada pihak
yang berwenang, serta melakukan semua dan setiap tindakan yang diperlukan sehubungan
dengan keputusan tersebut sesuai dengan peraturan perundang-undangan yang berlaku.
1. Approved the appointment of Mr. Henry Koenaifi as President Director and Mr. Yulius Approved by 100% of Has been fully realized.
Purnama Junaedi as Vice President Director, and effective as of obtaining approval from the Shareholders present.
Financial Services Authority for the fit and proper test and compliance with applicable laws
and regulations and no later than 5 working days after obtaining approval from the Financial
Services Authority for the fit and proper test and compliance with applicable laws and
regulations and by considering recommendations from the Remuneration and Nomination
Committee dated April 17, 2023, which proposed to appoint members of the Board of
Directors with a new term of office until the closing of the Bank’s Annual GMS which will be
held in 2024, as well as approving the honorable dismissal of Mr. Henry Koenaifi from his
position as the Bank’s Director and the honorable dismissal of Mr. Yulius Purnama Junaedi
from his position as the Bank’s Director and with the conditions for the appointment of
Mr. Henry Koenaifi as President Director of the Bank and the appointment of Mr. Yulius
Purnama Junaedi as Vice President Director of the Company were not approved by the
Financial Services Authority, and therefore, the appointment of Mr. Henry Koenaifi as
President Director and the appointment of Mr. Yulius Purnama Junaedi as Vice President
Director of the Bank were canceled without the need for further resolution by the GMS and
Mr. Henry Koenaifi and Mr. Yulius Purnama Junaedi will continue to serve as Directors of
the Bank until the closing of the Bank’s Annual GMS which will be held in 2024.
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2024 Annual Report
Keputusan Hasil Pemungutan Suara Realisasi
Resolutions Voting Results Realization
2. Affirmed the composition of the Bank’s Board of Directors and Board of Commissioners as of
the effectiveness of these changes until the closing of the Bank’s Annual GMS which will be
held in 2024 as follows:
Board of Commissioners
Independent President Commissioner : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi
Vice President Director : Yulius Purnama Junaedi
Director : Kiung Hui Ngo
Director of Risk Management : Adhiputra Tanoyo
and Compliance
3. Granted power and authority to the Bank’s Board of Directors, with the substitution right
to declare resolution on the composition of the Board of Directors after obtaining approval
from the Financial Services Authority regarding the above meeting resolution in a deed made
before a Notary, and then provide notification to the authorized parties, as well as carry
out all and any actions required in connection with the resolution are in accordance with
applicable laws and regulations.
Dewan Komisaris
Board of Commissioners
Dewan Komisaris berperan dalam mengawasi dan mengevaluasi The Board of Commissioners has a role in supervising and
kebijakan serta pelaksanaan strategi yang dijalankan oleh Direksi evaluating policies and the implementation of strategies carried
terkait operasional Bank. Selain itu, Dewan Komisaris bertanggung out by the Board of Directors regarding the Bank’s operation.
jawab melindungi kepentingan Pemegang Saham dan pemangku The Board of Commissioners also responsible to protect the
kepentingan lainnya dengan memastikan efektivitas penerapan interests of Shareholders and other stakeholder by ensuring
prinsip-prinsip GCG. effectiveness of implementation of GCG principles.
Pedoman Kerja Charter
Dewan Komisaris menjalankan tugas dan tanggung jawabnya The Board of Commissioners carries out its duties and
berdasarkan Pedoman Penerapan Tata Kelola No. KSP/CSC/005/02/0424 responsibilities based on the Implementation Guidelines of
tertanggal 16 April 2024. Governance No. KSP/CSC/005/02/0424 dated April 16, 2024.
Jumlah, Komposisi, dan Independensi Number, Composition, and Independency
Jumlah Number
Hingga Desember 2024, jumlah anggota Dewan Komisaris Bank Until December 2024, the number of members of the Board of
tetap terdiri dari 3 orang. Jumlah ini telah sesuai dengan ketentuan Commissioners remains 3 people. It is in line with the provision on
mengenai komposisi Dewan Komisaris di Bank serta tidak melebihi composition of Bank’s Board of Commissioners and not exceeding
jumlah anggota Direksi. the number of members of Board of Directors.
Komposisi Composition
Bank INA menetapkan komposisi Dewan Komisaris, terdiri dari Bank INA establishes the Board of Commissioners’ composition,
Komisaris Utama, Komisaris Independen, dan Komisaris, yang consists of President Commissioner, Independent Commissioner,
diangkat dan diberhentikan melalui RUPS. Setiap anggota harus and Commissioner, appointed and dismissed through GMS. Every
memenuhi kriteria yang ditetapkan dalam Anggaran Dasar member must meet the criteria established in the Articles of
dan Pedoman Tata Kelola Bank serta lulus uji kemampuan dan Association and Bank Governance Guidelines and passed the fit
kepatutan (fit and proper test) dari Otoritas Jasa Keuangan. and proper test from the Financial Services Authority.
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Tata Kelola Perusahaan
Corporate Governance
Berikut komposisi Dewan Komisaris Bank INA sepanjang tahun Following is the composition of Bank INA’s Board of Commissioners
2024. in 2024.
Dasar Hukum Akhir Periode
Nama Jabatan Pengangkatan Persetujuan Otoritas Jasa Keuangan Jabatan
Name Position Legal Basis of Approval from Financial Services Authority End of Term of
Appointment Office
Inawaty Komisaris Utama • Akta RUPS Luar Biasa No. 07 Keputusan Deputi Komisioner Pengawas Perbankan I Sampai dengan
Handojo Independen tanggal 16 Juni 2021; Otoritas Jasa Keuangan No. Kep-57/PB.1/2021 tanggal ditutupnya RUPS
Independent President • Akta RUPS Tahunan No. 03 6 September 2021. Tahunan pada
Commissioner tanggal 3 Juni 2022; serta Decree of the Deputy Commissioner of Banking tahun 2027.
• Akta RUPS Tahunan No. 27 Supervision I of the Financial Services Authority Until the closing of
tanggal 20 Juni 2024. No. Kep-57/PB.1/2021 dated September 6, 2021. the Annual GMS in
• Deed of Extraordinary GMS 2027.
Yohanes Komisaris Independen Keputusan Deputi Komisioner Pengawas Perbankan I
No. 07 dated June 16, 2021;
Santoso Independent Otoritas Jasa Keuangan No. Kep-58/PB.1/2021 tanggal
• Deed of Annual GMS No. 03
Wibowo Commissioner 6 September 2021.
dated June 3, 2022; and
• Deed of Annual GMS No. 27 Decree of the Deputy Commissioner of Banking
dated June 20, 2024. Supervision I of the Financial Services Authority
No. Kep-58/PB.1/2021 dated September 6, 2021.
Josavia Komisaris • Akta RUPS Luar Biasa No. 07 Keputusan Deputi Komisioner Pengawas Perbankan I Sampai dengan
Rachman tanggal 16 Juni 2021; Otoritas Jasa Keuangan No. Kep-59/PB.1/2021 tanggal ditutupnya RUPS
Ichwan • Akta RUPS Tahunan No. 03 6 September 2021. Tahunan pada
tanggal 3 Juni 2022; serta tahun 2027.
• Akta RUPS Tahunan No. 27
tanggal 20 Juni 2024.
Commissioner • Deed of Extraordinary GMS Decree of the Deputy Commissioner of Banking Until the closing of
No. 07 dated June 16, 2021; Supervision I of the Financial Services Authority the Annual GMS in
• Deed of Annual GMS No. 03 No. Kep-59/PB.1/2021 dated September 6, 2021. 2027.
dated June 3, 2022; and
• Deed of Annual GMS No. 27
dated June 20, 2024.
Independensi Independency
Dewan Komisaris Bank INA menjalankan tugas dan tanggung Bank INA’s Board of Commissioners carries out its duties and
jawabnya dengan menjunjung tinggi prinsip independensi, responsibilities by upholding the independence principle, including
termasuk menghindari benturan kepentingan dan intervensi dari avoiding conflict of interest and intervention from any party.
pihak mana pun. Hal ini memastikan pengambilan keputusan yang This is to ensure a fair decision making and maintaining the
adil serta menjaga kepercayaan pemangku kepentingan. stakeholders’ trust.
Kebijakan Keberagaman Komposisi [ESG-G.01] Composition Diversity Policy [ESG-G.01]
Hingga akhir 2024, Bank INA belum menetapkan kebijakan tertulis As of end of 2024, Bank INA does not yet have a written policy
terkait keberagaman komposisi Dewan Komisaris. Namun, Bank regarding the diversity of the Board of Commissioners composition.
telah mempertimbangkan aspek keberagaman berdasarkan However, the Bank has considered the diversity in terms of
pendidikan, pengalaman kerja, usia, jenis kelamin, dan independensi education, work experience, age, gender, and independence,
yang dijelaskan sebagai berikut. as explained below.
Aspek Keberagaman Penjelasan
Diversity Aspect Explanation
Pendidikan Dewan Komisaris Bank mempunyai latar belakang pendidikan yang beragam, yaitu Komposisi Dewan Komisaris Bank
S1 dan S2 dengan kompetensi di bidang akuntansi, manajemen, ekonomi, perbankan INA memenuhi unsur keberagaman,
dan keuangan, teknologi mineral/perminyakan, serta manajemen keuangan. yaitu perpaduan dari sisi pendidikan,
The Bank’s Board of Commissioners have diverse educational backgrounds, bachelor’s pengalaman kerja, usia, jenis kelamin,
Education and master’s degrees with competencies in accounting, management, economics, dan independensi.
banking and finance, mineral/petroleum technology, and financial management. Composition of the Board of
Commissioners has fulfilled the
Pengalaman Kerja Dewan Komisaris Bank mempunyai pengalaman kerja di berbagai bidang, baik elements of diversity, in terms of
Work Experience di industri perbankan ataupun di luar industri perbankan. education, work experience, age,
The Bank’s Board of Commissioners has work experience in various fields, both in gender, and independence.
the banking industry and outside the banking industry.
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Aspek Keberagaman Penjelasan
Diversity Aspect Explanation
Usia Rata-rata usia Dewan Komisaris Bank, yaitu 62-73 tahun. Komposisi Dewan Komisaris Bank
Age The average age of the Bank’s Board of Commissioners is 62-73 years old. INA memenuhi unsur keberagaman,
yaitu perpaduan dari sisi pendidikan,
Jenis Kelamin Terdapat 1 orang anggota Dewan Komisaris berjenis kelamin wanita. pengalaman kerja, usia, jenis kelamin,
Gender There is 1 female member of the Board of Commissioners. dan independensi.
Independensi Bank INA memiliki 2 Komisaris Independen dari total 3 anggota Dewan Komisaris, Composition of the Board of
Independency atau setara dengan 66,67%. Commissioners has fulfilled the
Bank INA has 2 Independent Commissioners from a total of 3 members of the Board of elements of diversity, in terms of
Commissioners, or equivalent to 66.67%. education, work experience, age,
gender, and independence.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut adalah penjelasan mengenai tugas dan tanggung jawab The duties and responsibilities of the Bank’s Board of Commissioners
Dewan Komisaris Bank. are explained as follows.
1. Sebagai organ perusahaan, Dewan Komisaris secara kolektif 1. As a corporate organ, the Board of Commissioners collectively
telah melakukan pengawasan dan memberikan nasihat kepada supervises and provides advice to the Board of Directors
Direksi serta memastikan bahwa Bank melaksanakan tata and ensures that the Bank implements good governance. In
kelola yang baik. Dalam melakukan pengawasan, Komisaris supervising, the Commissioners direct, monitor, and evaluate
mengarahkan, memantau, dan mengevaluasi pelaksanaan the implementation of the Bank’s strategic policies;
kebijakan strategis Bank.
2. Dalam melaksanakan fungsinya sebagai pengawas dan 2. In performing its function as supervisor and adviser, the Board
penasihat, Dewan Komisaris tidak terlibat dalam mengambil of Commissioners is not involved in making decisions on
keputusan kegiatan operasional, kecuali dalam hal: operational activities, except in the case of:
a. Penyediaan dana kepada pihak terkait sebagaimana diatur a. Provision of funds to related parties as stipulated in the
dalam ketentuan Bank Indonesia tentang Batas Maksimum provisions of Bank Indonesia on Legal Lending Limit; and
Pemberian Kredit; serta
b. Hal-hal lain yang ditetapkan peraturan perundangan yang b. Other matters stipulated by applicable laws and
berlaku. regulations;
3. Keterlibatan atau persetujuan Dewan Komisaris dalam 3. The involvement or approval of the Board of Commissioners in
pengambilan keputusan kegiatan operasional merupakan making decisions on operational activities is part of the duties
bagian dari tugas dan pengawasan Dewan Komisaris and supervision of the Board of Commissioners and does not
sehingga tidak meniadakan tanggung jawab Direksi dalam negate the responsibility of the Board of Directors in managing
melaksanakan kepengurusan Bank. Tugas pengawasan oleh the Bank. The supervisory task by the Board of Commissioners
Dewan Komisaris tersebut merupakan upaya pengawasan dini is an early monitoring effort that needs to be implemented.
yang perlu dilaksanakan.
4. Memastikan bahwa Direksi telah menindaklanjuti temuan 4. Ensuring that the Board of Directors has followed up on audit
audit dan rekomendasi dari SKAI Bank, auditor eksternal, findings and recommendations from the Bank’s SKAI, external
hasil pengawasan Otoritas Jasa Keuangan, dan/atau hasil auditors, supervision results of Financial Services Authority,
pengawasan otoritas lainnya. and/or supervision results of other authorities.
5. Menyampaikan Laporan Pengawasan Rencana Bisnis kepada 5. Submitting a Business Plan Supervision Report to the Financial
Otoritas Jasa Keuangan dengan tepat waktu. Services Authority in a timely manner.
Rekomendasi dan Pelaksanaan Tugas Recommendations and Implementation of Duties
Selama tahun 2024, Dewan Komisaris telah menjalankan tugas dan Throughout 2024, the Board of Commissioners has done its duties
tanggung jawab dengan baik dan profesional, serta memberikan and responsibilities well and professionally, as well as providing
rekomendasi dan persetujuan terkait hal-hal berikut. recommendations and approval related to the following matters.
1. Mengawasi tugas dan tanggung jawab dari masing-masing 1. Supervising the duties and responsibilities of each member of
Direksi. Board of Directors.
2. Mengawasi kinerja operasional dan kinerja keuangan Bank INA. 2. Supervising Bank INA’s operational performance and financial
performance.
3. Menyetujui kerangka kerja manajemen risiko dan tinjauan 3. Approving the risk management framework and portfolio
portofolio. review.
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Corporate Governance
4. Mengkaji Laporan Kepatuhan dan Laporan Bisnis. 4. Reviewing Compliance Reports and Business Reports.
5. Menyetujui kredit kepada pihak terkait. 5. Approving credit to related parties.
6. Mengkaji dan menyetujui Rencana Bisnis dan Anggaran Tahunan. 6. Reviewing and approving the Annual Business Plan and Budget.
7. Mengkaji kecukupan sistem pengendalian internal. 7. Reviewing the adequacy of internal control system.
8. Mengawasi perkembangan tindak lanjut atas temuan audit 8. Supervising the development of follow-up on internal and
internal dan eksternal. external audit findings.
9. Menelaah Laporan Komite Audit, Laporan Komite Pemantau 9. Reviewing the Audit Committee Report, Risk Monitoring
Risiko, dan Laporan Komite Nominasi dan Remunerasi. Committee Report, and Nomination and Remuneration
Committee Report.
10. Memutuskan penunjukan kantor akuntan publik dan/atau 10. Deciding on the appointment of a public accounting firm
akuntan publik yang akan bertugas mengaudit Laporan and/or public accountant to be tasked with auditing
Keuangan Bank INA untuk tahun buku 2024. Bank INA’s Financial Statements for the 2024 financial year.
Rapat [ESG-G.02] Meeting [ESG-G.02]
Rapat internal Dewan Komisaris dilaksanakan minimal 1 kali Internal meetings of the Board of Commissioners are held at least
setiap 2 bulan dan dapat diadakan sewaktu-waktu sesuai dengan once every 2 months and can be held at any time in line with the needs
kebutuhan anggota Dewan Komisaris. Dalam rapat tersebut, Dewan of Board of Commissioners’ member. The Board of Commissioners
Komisaris dapat mengundang Direksi untuk hadir. Rapat internal may invite the Board of Directors to attend the meeting. Internal
dianggap sah apabila dihadiri oleh mayoritas anggota Dewan meetings are deemed valid if attended by the majority of Board
Komisaris. Keputusan diambil melalui musyawarah untuk mufakat, of Commissioners members. Decision is made by deliberation for
namun jika tidak tercapai, keputusan ditetapkan berdasarkan suara consensus, and if a consensus cannot be reached, decision shall be
terbanyak. Seluruh keputusan rapat bersifat mengikat bagi seluruh made based on a majority vote. All meeting decisions are binding
anggota Dewan Komisaris. Selain itu, rapat gabungan dengan for all members of the Board of Commissioners. Joint meetings with
komite pendukung Dewan Komisaris merupakan bagian dari rapat supporting committees of the Board of Commissioners are part of
internal Dewan Komisaris. the internal meetings of the Board of Commissioners.
Agenda dan materi rapat disampaikan kepada Dewan Komisaris The meeting agenda and materials are submitted to the Board of
paling lambat 5 hari sebelum pelaksanaan rapat. Hal ini bertujuan Commissioners at least 5 days prior to the meeting. This aims to
untuk memberikan waktu bagi Dewan Komisaris dalam memahami provide time for the Board of Commissioners to comprehend the
agenda dan materi yang akan dibahas, serta memastikan agenda and materials to be discussed, and to ensure completeness
kelengkapan informasi sebelum rapat berlangsung. of information before the meeting is held.
Sepanjang tahun 2024, Dewan Komisaris telah menyelenggarakan Throughout 2024, the Board of Commissioners have held 25 internal
rapat internal sebanyak 25 kali, dengan tingkat kehadiran sebagai meetings, with the following attendance rates.
berikut.
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Komisaris Utama Independen
Inawaty Handojo 25 25 100,00
Independent President Commissioner
Yohanes Santoso Komisaris Independen
25 25 100,00
Wibowo Independent Commissioner
Josavia Rachman Komisaris
25 25 100,00
Ichwan Commissioner
Rata-Rata Kehadiran (%)
100,00
Average Attendance (%)
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2024 Annual Report
Informasi mengenai tanggal pelaksanaan, agenda dan materi, serta Information regarding the meeting dates, agendas, and materials,
peserta rapat internal Dewan Komisaris disajikan sebagai berikut. as well as the participants of the internal meetings of the Board of
Commissioners are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI
24 Januari 2024 Profil Risiko Bank Triwulan IV 2023.
January 24, 2024 Bank Risk Profile of Fourth Quarter 2023.
25 Januari 2024 • Kinerja Bank per 31 Desember 2024; serta
• Realisasi Audit sampai periode Desember 2023.
January 25, 2024 • Bank Performance as of December 31, 2024; and
• Realization of Audit up to December 2023 period.
4 Maret 2024 Realisasi Audit sampai periode Februari 2024.
March 4, 2024 Realization of Audit up to February 2024 period.
4 Maret 2024 Update Core Banking.
March 4, 2024 Core Banking Update.
20 Maret 2024 • Status dan Hasil Pemeriksaan SKAI.
March 20, 2024 • Status and Results of SKAI Audit.
20 Maret 2024 • Update Transaksional Sistem T24.
March 20, 2024 • T24 System Transactional Update.
18 April 2024 • Performance Bank INA Year on Year Tahun 2023 dan Maret 2024; serta
• Realisasi Audit sampai periode Maret 2024
April 18, 2024 • Bank INA Year on Year Performance 2023 and March 2024; and
• Realization of Audit up to March 2024 period.
30 April 2024 Profil Risiko Triwulan I 2024.
April 30, 2024 Risk Profile of First Quarter 2024.
27 Mei 2024 • Realisasi Audit sampai periode April 2024.
May 27, 2024 • Realization of Audit up to April 2024 period.
27 Mei 2024 • Risk Dashboard.
May 27, 2024 • Risk Dashboard.
29 Mei 2024 Susunan Anggota Komite.
May 29, 2024 Composition of Committee Members.
14 Juni 2024 • Progress Aktivitas SKAI.
June 14, 2024 • Progress of SKAI Activities.
14 Juni 2024 • Strategi Anti-Fraud.
June 14, 2024 • Anti-Fraud Strategy.
22 Juli 2024 • Kinerja Bank per 30 Juni 2024; serta
• Hasil Monitoring Tindak Lanjut SKAI.
July 22, 2024 • Bank performance as of June 30, 2024; and
• Monitoring Results of SKAI Follow-up.
23 Juli 2024 Profil Risiko Triwulan II 2024.
July 23, 2024 Risk Profile of Second Quarter 2024.
23 Agustus 2024 Status dan Hasil Pemeriksaan SKAI.
August 23, 2024 Status and Results of SKAI Audit.
26 Agustus 2024 Laporan Pelaksanaan Fungsi Kepatuhan dan Profil Risiko.
August 26, 2024 Implementation of Compliance Function and Risk Profile.
13 September 2024 Realisasi Audit sampai periode Agustus 2024.
September 13, 2024 Realization of Audit up to August 2024.
13 September 2024 • Penjelasan Main Activity Divisi Credit Control & Monitoring; serta
September 13, 2024 • Perlindungan Konsumen.
• Explanation of Main Activities of the Credit Control & Monitoring Division; and
• Consumer Protection.
23 Oktober 2024 • Laporan Rencana Recovery dan Rencana Resolusi; serta
• Laporan Risk Profile Periode TW III 2024.
October 23, 2024 • Report of Recovery Plan and Resolution Plan; and
• Report of Risk Profile for 2024 TW III Period.
31 Oktober 2024 • Kinerja Bank per 30 September 2024; serta
• Laporan Hasil Audit.
October 31, 2024 • Bank’s Performance as of September 30, 2024; and
• Report of Audit Result.
25 November 2024 • Implementasi Perlindungan Data Pribadi dan Anti-Fraud; serta
• Pengawasan Dewan Komisaris dan Komite.
November 25, 2024 • Implementation of Personal Data Protection and Anti-Fraud; and
• Supervision of Board of Commissioners and Committee.
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Tata Kelola Perusahaan
Corporate Governance
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI
29 November 2024 Hasil Monitoring Tindak Lanjut SKAI.
November 29, 2024 Monitoring Results of SKAI Follow-up.
3 Desember 2024 Audit Plan Tahun 2025.
December 3, 2024 2025 Audit Plan.
18 Desember 2024 Pemaparan RBB 2025-2027.
December 18, 2024 Presentation of RBB 2025-2027.
Keterangan / Remark:
IH : Inawaty Handojo YSW : Yohanes Santoso Wibowo JRI : Josavia Rachman Ichwan
Komisaris Independen Independent Commissioner
Komisaris Independen adalah individu yang tidak memiliki The Independent Commissioner is an individual that has no
hubungan afiliasi dengan organ Bank maupun Pemegang Saham, affiliation with the Bank’s organ or Shareholders, allowing him/her
sehingga dapat menjalankan tugasnya secara profesional dan bebas to run the duties professionally and free from conflicts of interest.
dari konflik kepentingan. Per Desember 2024, Bank INA memiliki As of December 2024, Bank INA has 2 Independent Commissioners
2 Komisaris Independen dari total 3 anggota Dewan Komisaris, from a total of 3 members of the Board of Commissioners, or
atau setara dengan 66,67%. Jumlah ini telah memenuhi ketentuan equivalent to 66.67%. This is in line with the provisions of Financial
Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Services Authority Regulation No. 17 of 2023 on the Implementation
Penerapan Tata Kelola bagi Bank Umum, yang mensyaratkan bahwa of Governance for Commercial Banks, stipulating that a minimum
minimal 50% dari anggota Dewan Komisaris harus merupakan of 50% of the members of the Board of Commissioners have to be
Komisaris Independen. Independent Commissioner.
Kriteria Komisaris Independen Independent Commissioner Criteria
Berikut adalah kriteria Komisaris Independen yang telah dipenuhi Following are the Independent Commissioner criteria already
oleh Ibu Inawaty Handojo dan Bapak Yohanes Santoso Wibowo. fulfilled by Mrs. Inawaty Handojo and Mr. Yohanes Santoso Wibowo.
Komisaris Independen
Independent Commissioner
Kriteria
Criteria Yohanes
Inawaty
Santoso
Handojo
Wibowo
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk merencanakan,
memimpin, mengendalikan, atau mengawasi kegiatan Emiten atau Perusahaan Publik tersebut dalam waktu
6 bulan terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris Independen Bank pada periode berikutnya.
Not a person who works or has the authority and responsibility to plan, lead, control, or supervise the activities of
the Issuer or Public Company within the last 6 months, except for reappointment as an Independent Commissioner
of the Bank in the following period.
Tidak mempunyai saham, baik langsung maupun tidak langsung pada Bank tersebut.
Not having shares, either directly or indirectly, in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota Direksi, atau Pemegang
Saham Utama Bank.
Not having affiliation 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.
Not having business relationship, either directly or indirectly, related to the Bank’s business activities.
√ : Terpenuhi x : Tidak terpenuhi
Fulfilled Not fulfilled
Pernyataan Independensi Statement of Independence
Komisaris Independen Bank INA membuktikan independensinya The Independent Commissioners of Bank INA proves their
melalui penandatanganan Surat Pernyataan Independensi serta independence by signing the Statement of Independence and
kelulusan uji kemampuan dan kepatutan (fit and proper test) sesuai passed the fit and proper test in accordance with the provisions of
dengan ketentuan Otoritas Jasa Keuangan. the Financial Services Authority.
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Direksi
Board of Directors
Direksi berperan krusial dalam merumuskan kebijakan, The Board of Directors plays a crucial role in formulating the policies,
menetapkan keputusan strategis, serta mengelola operasional establishing strategic decisions, and managing Bank’s operations
Bank guna mencapai tujuan dan sasaran yang telah ditetapkan. to achieve the established objectives and targets. The Board of
Selain itu, Direksi bertanggung jawab atas pengelolaan bisnis Directors also responsible for an effective business management
secara efektif dan menjaga hubungan yang baik dengan pemangku and maintaining a good relationships with the stakeholders.
kepentingan.
Pedoman Kerja Charter
Direksi menjalankan tugas dan tanggung jawabnya berdasarkan The Board of Directors carries out its duties and responsibilities
Pedoman Penerapan Tata Kelola No. KSP/CSC/005/02/0424 based on the Implementation Guidelines of Governance
tertanggal 16 April 2024. No. KSP/CSC/005/02/0424 dated April 16, 2024.
Jumlah, Komposisi, dan Independensi Number, Composition, and Independency
Jumlah Number
Berdasarkan keputusan RUPS Luar Biasa pada 15 Maret 2024, Bank Based on Extraordinary GMS resolution on March 15, 2024,
mengangkat Ibu Dewi K. Prodjohartono sebagai Direktur. Dengan the Bank appointed Mrs. Dewi K. Prodjohartono as Director.
demikian, per Desember 2024, komposisi Direksi Bank terdiri dari Thus, as of December 2024, the composition of the Bank’s Board
6 orang, sesuai dengan ketentuan Peraturan Otoritas Jasa Keuangan of Directors consists of 6 people, in line with the provision of
No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum, Financial Services Authority No. 17 of 2023 on the Implementation
yang mensyaratkan minimal 3 anggota Direksi pada setiap Bank. of Governance for Commercial Banks, that require a minimum of
3 members of Board of Directors in each Bank.
Komposisi Composition
Bank INA menetapkan komposisi Direksi yang terdiri dari Bank INA establishes the Board of Directors’ composition, consists
1 Direktur Utama, 1 Wakil Direktur Utama, dan 4 Direktur. Seluruh of 1 President Director, 1 Vice President Director, and 4 Directors.
anggota Direksi diangkat dan diberhentikan melalui RUPS All members of the Board of Directors are appointed and dismissed
dengan memastikan bahwa setiap posisi memenuhi kriteria yang through GMS by ensuring that every position meet the criteria
ditetapkan dalam Anggaran Dasar serta Pedoman Penerapan established in the Articles of Association and Bank Governance
Tata Kelola Bank, serta telah lulus uji kemampuan dan kepatutan Guidelines, and passed the fit and proper test from the Financial
(fit and proper test) dari Otoritas Jasa Keuangan. Services Authority.
Berikut komposisi Direksi Bank INA sepanjang tahun 2024. Following is the composition of Bank INA’s Board of Directors
in 2024.
Dasar Hukum Akhir Periode
Persetujuan Otoritas Jasa Keuangan
Nama Jabatan Pengangkatan Jabatan
Approval from Financial Services
Name Position Legal Basis of End of Term
Authority
Appointment of Office
Henry Koenaifi Direktur Utama Sebagai Direktur Retail Banking: Sebagai Direktur Retail Banking: Sampai dengan ditutupnya
Akta RUPS Luar Biasa No. 1 Keputusan Anggota Dewan Komisioner Otoritas RUPS Tahunan pada tahun
tanggal 9 Januari 2023. Jasa Keuangan No. KEP-24/D.03/2023 tanggal 16 2027.
Februari 2023.
President Director As Director of Retail Banking: As Director of Retail Banking: Until the closing of the
Deed of Extraordinary GMS No. 1 Decision of Members of the Board of Annual GMS in 2027.
dated January 9, 2023. Commissioners of the Financial Services Authority
No. KEP-24/D.03/2023 dated February 16, 2023.
PT Bank Ina Perdana Tbk 259
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Tata Kelola Perusahaan
Corporate Governance
Dasar Hukum Akhir Periode
Persetujuan Otoritas Jasa Keuangan
Nama Jabatan Pengangkatan Jabatan
Approval from Financial Services
Name Position Legal Basis of End of Term
Authority
Appointment of Office
Sebagai Direktur Utama: Sebagai Direktur Utama: Sampai dengan ditutupnya
• Akta RUPS Luar Biasa No. 13 Keputusan Anggota Dewan Komisioner Otoritas RUPS Tahunan pada tahun
tanggal 19 Mei 2023 (sebagai Jasa Keuangan No. KEPR-89/D.03/2023 tanggal 2027.
Direktur Utama); dan 7 Agustus 2023.
• Akta RUPS Tahunan No. 27
tanggal 20 Juni 2024.
As President Director As President Director Until the closing of the
• Deed of Extraordinary GMS Decision of Members of the Board of Annual GMS in 2027.
No. 13 dated May 19, 2023; Commissioners of the Financial Services Authority
and No. KEPR-89/D.03/2023 dated August 7, 2023.
• Deed of Annual GMS No. 27
dated June 20, 2024.
Yulius Purnama Wakil Direktur Sebagai Direktur Digital Sebagai Direktur Digital Banking: Sampai dengan ditutupnya
Junaedi Utama Banking: Keputusan Anggota Dewan Komisaris Otoritas RUPS Tahunan pada tahun
• Akta RUPS Luar Biasa No. 07 Jasa Keuangan No. Kep-134/D.03/2021 tanggal 14 2027.
tanggal 16 Juni 2021; serta September 2021.
• Akta RUPS Tahunan No. 03
tanggal 3 Juni 2022.
Vice President As Director of Digital Banking: Director of Digital Banking: Until the closing of the
Director • Deed of Extraordinary GMS Decision of Members of the Board of Annual GMS in 2027.
No. 07 dated June 16, 2021; Commissioners of the Financial Services Authority
and No. Kep-134/D.03/2021 dated September 14, 2021.
• Deed of Annual GMS No. 03
dated June 3, 2022.
Sebagai Wakil Direktur Utama: Sebagai Wakil Direktur Utama:
• Akta RUPS Luar Biasa No. 13 Keputusan Anggota Dewan Otoritas Jasa
tanggal 19 Mei 2023; serta Keuangan No. KEPR-90/D.03/2023 tanggal
• Akta RUPS Tahunan No. 27 7 Agustus 2023.
tanggal 20 Juni 2024.
As Vice President Director: As Vice President Director:
• Deed of Extraordinary GMS Decision of the Board Members of the Financial
No. 13 dated May 19, 2023; Services Authority No. KEPR-90/D.03/2023 dated
and August 7, 2023.
• Deed of Annual GMS No. 27
dated June 20, 2024.
Kiung Hui Ngo Direktur Keuangan • Akta No. 105 tanggal 27 Surat Bank Indonesia No. 15/108/GBI/DPIP/Rahasia Sampai dengan ditutupnya
November 2013; tanggal 18 November 2013. RUPS Tahunan pada tahun
• Akta RUPS Tahunan No. 107 2027.
tanggal 25 Mei 2018;
• Akta RUPS Tahunan No. 03
tanggal 3 Juni 2022; serta
• Akta RUPS Tahunan No. 27
tanggal 20 Juni 2024.
Director of Finance • Deed No. 105 dated Bank Indonesia Letter No. 15/108/GBI/DPIP/Rahasia Until the closing of the
November 27, 2013; dated November 18, 2013. Annual GMS in 2027.
• Deed of Annual GMS No. 107
dated May 25, 2018;
• Deed of Annual GMS No. 03
dated June 3, 2022; and
• Deed of Annual GMS No. 27
dated June 20, 2024.
Adhiputra Direktur Manajemen • Akta RUPS Luar Biasa No. 01 Keputusan Anggota Dewan Komisaris Otoritas Sampai dengan ditutupnya
Tanoyo Risiko dan Kepatuhan tanggal 3 September 2021; Jasa Keuangan No. Kep-133/D.03/2021 tanggal RUPS Tahunan pada tahun
• Akta RUPS Tahunan No. 03 14 September 2021. 2027.
tanggal 3 Juni 2022; serta
• Akta RUPS Tahunan No. 27
tanggal 20 Juni 2024.
Director of Risk • Deed of Extraordinary GMS Decree of Members of the Board of Until the closing of the
Management and No. 01 dated September 3, Commissioners of the Financial Services Authority Annual GMS in 2027.
Compliance 2021; No. Kep-133/D.03/2021 dated September 14, 2021.
• Deed of Annual GMS No. 03
dated June 3, 2022; and
• Deed of Annual GMS No. 27
dated June 20, 2024.
260 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Dasar Hukum Akhir Periode
Persetujuan Otoritas Jasa Keuangan
Nama Jabatan Pengangkatan Jabatan
Approval from Financial Services
Name Position Legal Basis of End of Term
Authority
Appointment of Office
Yandy Direktur Bisnis Retail • Akta RUPS Tahunan No. 176 Keputusan Anggota Dewan Komisaris Otoritas Sampai dengan ditutupnya
Ramadhani dan Jaringan tanggal 16 Juni 2023; dan Jasa Keuangan No. KEPR-101/d.03/2023 tanggal RUPS Tahunan pada tahun
• Akta RUPS Tahunan No. 27 21 Agustus 2023. 2027.
tanggal 20 Juni 2024.
Director of Retail • Deed of Annual GMS No. 176 Decision of the Board Members of the Financial Until the closing of the
Business and dated June 16, 2023; and Services Authority No. KEPR-101/d.03/2023 dated Annual GMS in 2027.
Network • Deed of Annual GMS No. 27 August 21, 2023.
dated June 20, 2024.
Dewi K. Direktur Komersial • Akta RUPS Luar Biasa No. 100 Keputusan Anggota Dewan Komisaris Otoritas Sampai dengan ditutupnya
Prodjohartono*) Banking tanggal 15 Maret 2024; serta Jasa Keuangan No. KEPR-26/D.03/2024 tanggal RUPS Tahunan pada tahun
• Akta RUPS Tahunan No. 27 6 Mei 2024. 2027.
tanggal 20 Juni 2024.
Director of • Deed of Annual GMS No. 100 Decision of the Board Members of the Financial Until the closing of the
Commercial Banking dated March 15, 2024; and Services Authority No. KEPR-26/D.03/2024 dated Annual GMS in 2027.
• Deed of Annual GMS No. 27 May 6, 2024.
dated June 20, 2024.
*)
Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
Independensi Independency
Direksi Bank INA menjalankan tugas dan tanggung jawabnya Bank INA’s Board of Directors carries out its duties and
dengan menjunjung tinggi prinsip independensi, termasuk responsibilities by upholding the independence principle, including
menghindari benturan kepentingan dan intervensi dari pihak avoiding conflict of interest and intervention from any party.
mana pun. Hal ini memastikan pengambilan keputusan yang adil This is to ensure a fair decision making and maintaining the
serta menjaga kepercayaan pemangku kepentingan. stakeholders’ trust.
Kebijakan Keberagaman Komposisi [ESG-G.01] Composition Diversity Policy [ESG-G.01]
Hingga akhir 2024, Bank INA belum menetapkan kebijakan tertulis As of end of 2024, Bank INA does not yet have a written policy
terkait keberagaman komposisi Direksi. Namun, Bank telah regarding the diversity of the Board of Directors composition.
mempertimbangkan aspek keberagaman berdasarkan pendidikan, However, the Bank has considered the diversity in terms of
pengalaman kerja, usia, jenis kelamin, dan independensi yang education, work experience, age, gender, and independence, as
dijelaskan sebagai berikut. explained below.
Aspek Keberagaman Penjelasan
Diversity Aspect Explanation
Pendidikan Direksi Bank mempunyai latar pendidikan yang beragam, yaitu S1 dan S2 dengan Komposisi Direksi Bank INA telah
Education kompetensi di bidang administrasi bisnis, manajemen, keuangan dan teknologi memenuhi unsur keberagaman,
informasi, ilmu komputer, serta ekonomi. yaitu perpaduan dari sisi pendidikan,
The Bank’s Board of Directors have diverse educational backgrounds, bachelor’s pengalaman kerja, usia, jenis kelamin,
and master’s degrees with competencies in business administration, management, dan independensi.
finance and information technology, computer science, and economics. The composition of the Board of
Directors of Bank INA has fulfilled
Pengalaman Kerja Direksi Bank mempunyai pengalaman kerja di berbagai bidang, baik di industri
the elements of diversity, in terms
Work Experience perbankan ataupun di luar industri perbankan.
of education, work experience, age,
The Bank’s Board of Directors have work experience in various fields, both in the gender and independence.
banking industry and outside the banking industry.
Usia Rata-rata usia Direksi Bank, yaitu 49-65 tahun.
Age The average age of the Bank’s Board of Directors is 49-65 years.
Jenis Kelamin Terdapat 2 orang anggota Direksi berjenis kelamin wanita.
Gender There are 2 female members of the Board of Directors.
Independensi Direksi Bank INA merupakan pihak yang independen terhadap Pemegang Saham
Independency Pengendali.
Bank INA’s Board of Directors is an independent party toward the Controlling
Shareholders.
PT Bank Ina Perdana Tbk 261
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Tata Kelola Perusahaan
Corporate Governance
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut adalah penjelasan mengenai tugas dan tanggung jawab The duties and responsibilities of the Bank’s Board of Directors are
Direksi Bank. explained as follows.
1. Direksi bertanggung jawab penuh atas pelaksanaan 1. The Board of Directors is fully responsible for the
kepengurusan Bank. implementation of the management of the Bank.
2. Direksi bertugas menjalankan dan bertanggung jawab atas 2. The Board of Directors is in charge of carrying out and being
pengurusan Bank untuk kepentingan Bank sesuai dengan responsible for managing the Bank for the benefit of the Bank
maksud dan tujuan Bank yang ditetapkan dalam Anggaran in accordance with the purposes and objectives of the Bank set
Dasar. out in the Articles of Association.
3. Dalam menjalankan tugas dan tanggung jawab atas 3. In carrying out the duties and responsibilities for management,
pengurusan, Direksi wajib menyelenggarakan RUPS Tahunan the Board of Directors is required to hold Annual GMS and
dan RUPS Luar Biasa sebagaimana diatur dalam peraturan Extraordinary GMS as stipulated in laws and regulations and the
perundang-undangan dan Anggaran Dasar. Articles of Association.
4. Setiap anggota Direksi wajib melaksanakan tugas dan 4. Each member of the Board of Directors must carry out the
tanggung jawab dengan iktikad baik, penuh tanggung jawab, duties and responsibilities in good faith, with full of
dan kehati-hatian. responsibility, and prudence.
5. Direksi wajib mengelola Bank sesuai dengan kewenangan dan 5. The Board of Directors must manage the Bank in accordance
tanggung jawab Direksi sebagaimana diatur dalam Anggaran with the authority and responsibility of the Board of Directors
Dasar dan peraturan perundang-undangan. as stipulated in the Articles of Association and laws and
regulations.
6. Direksi wajib menerapkan prinsip-prinsip tata kelola yang baik 6. The Board of Directors must apply the principles of good
dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau governance in every business activity of the Bank at all levels of
jenjang organisasi. the organization.
7. Dalam rangka menerapkan prinsip tata kelola yang baik, Direksi 7. In order to apply the principles of good governance, the Board
paling sedikit wajib membentuk: of Directors must at least establish:
a. SKAI; a. SKAI;
b. Satuan Kerja Manajemen Risiko dan Komite Manajemen b. Risk Management Work Unit and Risk Management
Risiko; serta Committee; and
c. Satuan Kerja Kepatuhan. c. Compliance Work Unit;
8. Direksi wajib menindaklanjuti temuan audit dan rekomendasi 8. The Board of Directors must follow up on audit findings and
dari SKAI, Auditor Eksternal, hasil pengawasan Otoritas Jasa recommendations from the SKAI, external auditors, results of
Keuangan, dan/atau hasil pengawasan otoritas lain. supervision by the Financial Services Authority, and/or results
of supervision by other authorities.
9. Direksi wajib mempertanggungjawabkan pelaksanaan tugas 9. The Board of Directors is obliged to be responsible for carrying
kepada Pemegang Saham melalui RUPS. out its duties to Shareholders through the GMS.
10. Direksi wajib mengungkapkan kepada pegawai mengenai 10. The Board of Directors is required to disclose to employees
kebijakan Bank yang bersifat strategis di bidang kepegawaian. regarding the Bank’s strategic policies in the personnel sector.
11. Direksi dilarang menggunakan penasihat perorangan dan/atau 11. The Board of Directors are prohibited from using individual
jasa profesional sebagai konsultan. advisers and/or professional services as consultants.
12. Penggunaan penasihat perorangan dan/atau jasa profesional 12. The use of individual advisors and/or professional services as
sebagai konsultan dapat dilakukan dalam hal memenuhi consultants can be carried out in terms of fulfilling the following
persyaratan: requirements:
a. Untuk proyek bersifat khusus; a. For special projects;
b. Didasarkan pada kontrak kerja yang jelas; serta b. Based on a clear employment contract; and
c. Merupakan pihak independen dan memiliki kualifikasi c. Is an independent party and has the qualifications to work
untuk mengerjakan proyek yang bersifat khusus. on a special project.
13. Direksi wajib menyediakan data dan informasi yang akurat, 13. The Board of Directors must provide accurate, relevant, and
relevan, dan tepat waktu kepada Dewan Komisaris. timely data and information to the Board of Commissioners.
14. Setiap anggota Direksi bertanggung jawab secara tanggung 14. Each member of the Board of Directors is jointly and severally
renteng atas kerugian Bank yang disebabkan oleh kesalahan responsible for the Bank’s losses caused by errors or omissions
atau kelalaian anggota Direksi dalam menjalankan tugasnya. of members of the Board of Directors in carrying out their
duties.
262 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Pembagian Tugas dan Tanggung Jawab Division of Duties and Responsibilities
Pembagian tugas dan tanggung jawab setiap anggota Direksi The division of duties and responsibilities of each member of
disajikan dalam tabel berikut. the Board of Directors is presented in the following table.
Nama Jabatan Pembagian Tugas
Name Position Division of Duties
Henry Koenaifi Direktur Utama Membawahi unit kerja:
President Director Supervise the work unit:
• Credit Review;
• Credit Control Monitoring;
• Loan Operation;
• Remedial & Special Asset Management;
• Audit Internal / Internal Audit;
• Human Capital Transformation; serta / and
• Human Capital Services.
Yulius Purnama Junaedi Wakil Direktur Utama Membawahi unit kerja:
Vice Director Supervise the work unit:
• Digital Solution & Partnership;
• Digital Technology;
• Branch & Commercial Banking Technology;
• Technology Operation & Control Unit;
• Digital Banking Operation;
• Digital Innovation & Data Management; serta / and
• Treasury Operation & Remittance.
Kiung Hui Ngo Direktur Keuangan Membawahi unit kerja:
Director of Finance Supervise the work unit:
• Treasury & FI;
• General Services & Procurement;
• Accounting & Financial Management; serta / and
• Custodian Services.
Adhiputra Tanoyo Direktur Manajemen Risiko dan Kepatuhan Membawahi unit kerja:
Director of Risk Management and Compliance Supervise the work unit:
• Manajemen Risiko / Risk Management;
• Operation Development;
• Digital Governance;
• Kepatuhan & APU-PPT / Compliance & AML-CTF;
• Legal & Corporate Secretary; serta / and
• Fraud Handling & Prevention.
Yandy Ramadhani Direktur Bisnis Retail dan Jaringan Membawahi unit kerja:
Director of Retail Business and Network Supervise the work unit:
• Network & Branch Development;
• Priority & Wealth Management;
• Consumer Loans;
• Marketing Communication;
• Marketing Strategy & Sales Management; serta / and
• Branch Operation & Control Unit.
Dewi K. Prodjohartono*) Direktur Komersial Banking Membawahi unit kerja :
Director of Commercial Banking Supervise the work unit:
• Corporate Banking;
• SME & Commercial Banking;
• Transaction Banking;
• Business Credit Analyst; serta / and
• Micro Banking.
*)
Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
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Tata Kelola Perusahaan
Corporate Governance
Rekomendasi dan Pelaksanaan Tugas Recommendations and Implementation of Duties
Sepanjang tahun 2024, Direksi telah menjalankan tugas dan Throughout 2024, the Board of Directors has carry out its duties and
tanggung jawabnya secara profesional serta menetapkan berbagai responsibilities professionally, as well as setting up various strategic
keputusan strategis untuk mengoptimalkan kinerja operasional decisions to optimize the operational and financial performances,
dan keuangan, yang diuraikan sebagai berikut. described as follows.
1. Pelaksanaan kepengurusan Bank. 1. Implementation of Bank management.
2. Pengelolaan aset dan keuangan Bank. 2. Management of Bank assets and finances.
3. Penyusunan perencanaan perusahaan. 3. Compilation of corporate planning.
4. Penyelenggaraan rapat Direksi, menghadiri rapat Dewan 4. Organizing Board of Directors meetings, attending Board of
Komisaris, dan RUPS. Commissioners meetings, and the GMS.
5. Pengawasan dan perbaikan proses bisnis internal. 5. Supervision and improvement of internal business processes.
6. Penetapan manajemen risiko dan prinsip-prinsip GCG. 6. Determination of risk management and GCG principles.
7. Pemenuhan target kinerja Bank. 7. Fulfillment of the Bank’s performance targets.
8. Pelaksanaan tugas lainnya terkait kepengurusan Bank. 8. Implementation of other duties related to the management of
the Bank.
Rapat [ESG-G.02] Meeting [ESG-G.02]
Rapat Internal Direksi Board of Directors’ Internal Meeting
Rapat internal Direksi dilaksanakan sekurang-kurangnya 1 kali Internal meetings of the Board of Directors are held at least 1 time
setiap bulan. Dalam rapat tersebut, Direksi dapat mengundang every month. In the meetings, Board of Directors can invite the
staf Bank sesuai kebutuhan. Rapat dianggap sah apabila dihadiri Bank’s staff as needed. Meetings are deemed valid if attended by
oleh mayoritas anggota Direksi, dengan keputusan yang diambil the majority of the Board of Directors members, while the decision
melalui musyawarah untuk mufakat. Jika mufakat tidak tercapai, is made by deliberation for consensus. If a consensus cannot be
keputusan ditetapkan berdasarkan suara terbanyak. Pelaksanaan reached, decision shall be made based on a majority vote. Internal
rapat internal dipimpin oleh Direktur Utama. Namun, apabila meetings are chaired by the President Director. If the President
berhalangan hadir, rapat dapat dipimpin oleh anggota Direksi lain Director unable to attend, meeting can be chaired by other member
yang ditunjuk. of the Board of Directors appointed by the President Director.
Sepanjang tahun 2024, Direksi telah menyelenggarakan rapat Throughout 2024, the Board of Directors have held 31 internal
internal sebanyak 31 kali, dengan tingkat kehadiran sebagai berikut. meetings, with the following attendance rates.
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Direktur Utama
Henry Koenaifi 31 31 100,00
President Director
Wakil Direktur Utama
Yulius Purnama Junaedi 31 29 93,55
Vice Director
Direktur Keuangan
Kiung Hui Ngo 31 30 96,77
Director of Finance
Direktur Manajemen Risiko dan Kepatuhan
Adhiputra Tanoyo 31 26 83,87
Director of Risk Management and Compliance
Direktur Bisnis Retail dan Jaringan
Yandy Ramadhani 31 28 90,32
Director of Retail Business and Network
Direktur Komersial Banking
Dewi K. Prodjohartono*) 19 18 94.74
Director of Commercial Banking
Rata-Rata Kehadiran (%)
93,21
Average Attendance (%)
*)
Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
264 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Informasi mengenai tanggal pelaksanaan, agenda dan materi, Information regarding the meeting dates, agendas, and materials,
serta peserta rapat internal Direksi disajikan sebagai berikut. as well as the participants of the internal meetings of the Board of
Directors are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
HK YPJ KHN AT YR DKP
8 Januari 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
January 8, 2024 Field Director’s Report and Explanation and Discussion of Issues.
22 Januari 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
January 22, 2024 Field Director’s Report and Explanation and Discussion of Issues.
29 Januari 2024 Laporan Pembahasan Strategi antara Direksi dan Dewan Komisaris.
January 29, 2024 Report of Discussion of Strategy between Board of Directors and Board of x
Commissioners.
5 Februari 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
February 5, 2024 Field Director’s Report and Explanation and Discussion of Issues.
13 Februari 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
February 13, 2024 Field Director’s Report and Explanation and Discussion of Issues.
28 Februari 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
February 28, 2024 Field Director’s Report and Explanation and Discussion of Issues.
6 Maret 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
March 6, 2024 Field Director’s Report and Explanation and Discussion of Issues.
13 Maret 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
March 13, 2024 Field Director’s Report and Explanation and Discussion of Issues.
20 Maret 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
March 20, 2024 Field Director’s Report and Explanation and Discussion of Issues.
3 April 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
April 3, 2024 Field Director’s Report and Explanation and Discussion of Issues.
17 April 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
April 17, 2024 Field Director’s Report and Explanation and Discussion of Issues.
25 April 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
April 25, 2024 Field Director’s Report and Explanation and Discussion of Issues.
8 Mei 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
May 8, 2024 Field Director’s Report and Explanation and Discussion of Issues.
22 Mei 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
May 22, 2024 Field Director’s Report and Explanation and Discussion of Issues.
29 Mei 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
May 29, 2024 Field Director’s Report and Explanation and Discussion of Issues.
26 Juni 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x x
June 26, 2024 Field Director’s Report and Explanation and Discussion of Issues.
10 Juli 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
July 10, 2024 Field Director’s Report and Explanation and Discussion of Issues.
17 Juli 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
July 17, 2024 Field Director’s Report and Explanation and Discussion of Issues.
24 Juli 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
July 24, 2024 Field Director’s Report and Explanation and Discussion of Issues.
31 Juli 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
July 31, 2024 Field Director’s Report and Explanation and Discussion of Issues.
7 Agustus 2024 • Comprehensive Credit Policy Project;
• Percobaan Attack VM SSL Production;
• Proposal Sewa KCP Pondok Indah, Perhitungan Bunga Tabungan & Giro,
Program Tabungan Experience; serta
• Gambaran Besar Kinerja 31 Juli 2024.
August 7, 2024 • Comprehensive Credit Policy Project;
• Trial Attack VM SSL Production;
• Lease Proposal of KCP Pondok Indah, Calculations of Interest for Savings &
Checking Account, Experience Savings Program; and
• Big Picture of Performance July 31, 2024.
PT Bank Ina Perdana Tbk 265
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Tata Kelola Perusahaan
Corporate Governance
Kehadiran
Tanggal Attendance
Agenda
Date
HK YPJ KHN AT YR DKP
14 Agustus 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
August 14, 2024 Field Director’s Report and Explanation and Discussion of Issues.
21 Agustus 2024 • Trip Apresiasi Nasabah;
• Pembahasan Micro Banking (KUR); serta
• Performance Cabang.
August 21, 2024 • Customer Appreciation Trip;
• Discussion of Micro Banking (KUR); and
• Branch Performance
28 Agustus 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
August 28, 2024 Field Director’s Report and Explanation and Discussion of Issues.
11 September 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
September 11, 2024 Field Director’s Report and Explanation and Discussion of Issues.
19 September 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
September 19, 2024 Field Director’s Report and Explanation and Discussion of Issues.
25 September 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
September 25, 2024 Field Director’s Report and Explanation and Discussion of Issues.
2 Oktober 2024 • Produk Program Kredit Tunai dengan Jaminan Obligasi Pemerintah
(Government); serta
• Update Penambahan Posisi. x
October 2, 2024 • Products of Cash Credit Program with Government Bond as Collateral; and
• Update of Additional Positions.
9 Oktober 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
October 9, 2024 Field Director’s Report and Explanation and Discussion of Issues.
6 November 2024 • Kebijakan Perkreditan Bank; serta
• Performance Akhir November dan Finalisasi RBB ke Otoritas Jasa Keuangan
November 6, 2024 • Bank Credit Policy; and
• Performance as of End November and Finalization of RBB to Financial
Services Authority
4 Desember 2024 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
x
December 4, 2024 Field Director’s Report and Explanation and Discussion of Issues.
Keterangan: / Remark:
HK : Henry Koenaifi YR : Yandy Ramadhani AT : Adhiputra Tanoyo
KHN : Kiung Hui Ngo YPJ : Yulius Purnama Junaedi DKP : Dewi K. Prodjohartono*)
*) Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
Rapat Gabungan dengan Dewan Komisaris Joint Meeting with the Board of Commissioners
Bank INA secara konsisten menetapkan agenda rapat gabungan Bank INA consistently setting up agenda of the joint meeting of the
Dewan Komisaris dan Direksi guna memastikan koordinasi yang Board of Commissioners and the Board of Directors to ensure an
efektif dalam pengambilan keputusan strategis dan operasional. effective coordination in strategic and operational decision making.
Rapat ini dilaksanakan minimal 1 kali setiap 4 bulan. Agenda This meeting is held at least once every 4 months. The meeting
rapat mencakup pembahasan kebijakan dan keputusan strategis agenda include discussion of policies and strategic decisions of the
Direksi yang disampaikan kepada Dewan Komisaris untuk ditelaah, Board of Directors submitted to the Board of Commissioners for
memperoleh masukan, serta mendapatkan persetujuan jika review, gaining input, as well as obtaining approval if necessary.
diperlukan.
Sepanjang tahun 2024, Dewan Komisaris dan Direksi telah Throughout 2024, the Board of Commissioners and the Board of
melaksanakan rapat gabungan sebanyak 7 kali, dengan tingkat Directors held 7 joint meetings, with the following attendance rates.
kehadiran sebagai berikut.
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Komisaris Utama Independen
Inawaty Handojo 7 7 100,00
Independent President Commissioner
Yohanes Santoso Komisaris Independen
7 7 100,00
Wibowo Independent Commissioner
266 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Josavia Rachman Komisaris
7 6 85,71
Ichwan Commissioner
Direktur Utama
Henry Koenaifi 7 7 100,00
President Director
Wakil Direktur Utama
Yulius Purnama Junaedi 7 7 100,00
Vice President Director
Direktur Keuangan
Kiung Hui Ngo 7 6 85,71
Director of Finance
Direktur Manajemen Risiko dan Kepatuhan
Adhiputra Tanoyo 7 7 100,00
Director of Risk Management and Compliance
Direktur Bisnis Retail dan Jaringan
Yandy Ramadhani 7 7 100,00
Director of Retail Business and Network
Direktur Komersial Banking
Dewi K. Prodjohartono*) 5 5 100,00
Director of Commercial Banking
Rata-Rata Kehadiran (%)
96,82
Average Attendance (%)
*)
Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
Informasi mengenai tanggal pelaksanaan, agenda dan materi, serta Information regarding the meeting dates, agendas, and materials,
peserta rapat gabungan Dewan Komisaris dan Direksi disajikan as well as the participants of the joint meetings of the Board of
sebagai berikut. Commissioners and the Board of Directors are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI HK YPJ KHN AT YR DKP*)
3 April 2024 Laporan dan Penjelasan Direktur Bidang serta
April 3, 2024 Pembahasan Masalah.
Field Director’s Report and Explanation and
Discussion of Issues.
29 April 2024 Laporan dan Penjelasan Direktur Bidang serta
April 29, 2024 Pembahasan Masalah.
Field Director’s Report and Explanation and
Discussion of Issues.
15 Mei 2024 Laporan dan Penjelasan Direktur Bidang serta
May 15, 2024 Pembahasan Masalah.
Field Director’s Report and Explanation and
Discussion of Issues.
19 Juni 2024 Laporan dan Penjelasan Direktur Bidang serta
June 19, 2024 Pembahasan Masalah.
Field Director’s Report and Explanation and
Discussion of Issues.
16 Oktober 2024 Laporan dan Penjelasan Direktur Bidang serta
October 16, 2024 Pembahasan Masalah.
x
Field Director’s Report and Explanation and
Discussion of Issues.
31 Oktober 2024 Laporan dan Penjelasan Direktur Bidang serta
October 31, 2024 Pembahasan Masalah.
Field Director’s Report and Explanation and
Discussion of Issues.
13 November 2024 Laporan dan Penjelasan Direktur Bidang serta
November 13, 2024 Pembahasan Masalah.
x
Field Director’s Report and Explanation and
Discussion of Issues.
Keterangan: / Remark:
IH : Inawaty Handojo HK : Henry Koenaifi YPJ : Yulius Purnama Junaedi
YSW : Yohanes Santoso Wibowo KHN : Kiung Hui Ngo AT : Adhiputra Tanoyo
JRI : Josavia Rachman Ichwan YR : Yandy Ramadhani DKP : Dewi K. Prodjohartono
*)
Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
PT Bank Ina Perdana Tbk 267
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Tata Kelola Perusahaan
Corporate Governance
Transparansi Informasi tentang
Dewan Komisaris dan Direksi
Transparency of Information of the Board of Commissioners
and Board of Directors
Rangkap Jabatan Concurrent Positions
Bank menetapkan kebijakan rangkap jabatan bagi Dewan Komisaris The Bank has concurrent positions policy for the Board of
dan Direksi berdasarkan Pasal 15 dan Pasal 46 Peraturan Otoritas Commissioners and Board of Directors based on Article 15 and
Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Tata Kelola Article 46 of Financial Services Authority Regulation No. 17 of
bagi Bank Umum. Informasi mengenai rangkap jabatan Dewan 2023 on Implementation of Governance for Commercial Banks.
Komisaris disajikan sebagai berikut. Information regarding concurrent positions of the Board of
Commissioners and Board of Directors are as follows.
Bank/Perusahaan/Lembaga Lain
Nama Jabatan Other Banks/Companies/Institutions
Name Position Nama Perusahaan Jabatan
Company Name Position
Komisaris Utama Independen Tidak Ada Tidak Ada
Inawaty Handojo
Independent President Commissioner None None
Komisaris Independen Tidak Ada Tidak Ada
Yohanes Santoso Wibowo
Independent Commissioner None None
Komisaris Tidak Ada Tidak Ada
Josavia Rachman Ichwan
Commissioner None None
Direktur Utama Tidak Ada Tidak Ada
Henry Koenaifi
President Director None None
Wakil Direktur Utama Tidak Ada Tidak Ada
Yulius Purnama Junaedi
Vice President Director None None
Direktur Keuangan Tidak Ada Tidak Ada
Kiung Hui Ngo
Director of Finance None None
Direktur Manajemen Risiko dan Kepatuhan Tidak Ada Tidak Ada
Adhiputra Tanoyo
Director of Risk Management and Compliance None None
Direktur Bisnis Retail dan Jaringan Tidak Ada Tidak Ada
Yandy Ramadhani
Director of Retail Business and Network None None
Direktur Komersial Banking Tidak Ada Tidak Ada
Dewi K. Prodjohartono*)
Director of Commercial Banking None None
*)
Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
Kepemilikan Saham Shareholding
Hingga Desember 2024, anggota Dewan Komisaris dan Direksi Until December 2024, members of the Board of Commissioners
tidak memiliki saham, baik secara individu maupun bersama, yang and Board of Directors do not have shares, either individually or
melebihi 25% dari modal disetor di Bank atau perusahaan lain. collectively, that exceed 25% of the paid-up capital in the Bank or
Informasi terkait kepemilikan saham ini telah disajikan dalam bab other companies. Information related to this share ownership has
Profil Perusahaan pada Laporan Tahunan. been presented in the Company Profile chapter in the Annual Report.
Hubungan Afiliasi Affiliate Relations
Kebijakan hubungan afiliasi Bank INA berpedoman pada Peraturan Bank INA’s affiliation policy is guided by the Financial Services
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Authority Regulation No. 17 of 2023 on the Implementation of
Tata Kelola bagi Bank Umum. Regulasi ini mengatur bahwa Governance for Commercial Banks. This regulation stipulates that
anggota Dewan Komisaris dan Direksi tidak diperkenankan members of the Board of Commissioners and Board of Directors are
268 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
memiliki hubungan keluarga hingga derajat kedua dengan sesama not allowed to have family relationships up to the second degree
anggota. Setiap anggota Dewan Komisaris dan Direksi juga wajib with fellow members. Each member of the Board of Commissioners
mengungkapkan hubungan keuangan dan hubungan keluarga and Board of Directors is also required to disclose financial and
dengan anggota Dewan Komisaris, Direksi, serta Pemegang Saham family relationships with members of the Board of Commissioners,
Pengendali Bank. Informasi terkait hubungan afiliasi anggota Board of Directors, as well as Controlling Shareholders of the Bank.
Dewan Komisaris dan Direksi disajikan sebagai berikut. Information related to affiliate relations of members of the Board
of Commissioners and Board of Directors is presented as follows.
Hubungan Keuangan dengan Hubungan Keluarga dengan
Financial Relations with Family Relations with
Hubungan
Nama Jabatan Pemegang Pemegang Kepengurusan
Dewan Dewan
Name Positioning Direksi Saham Direksi Saham
Komisaris Komisaris Management
Board of Pengendali Board of Pengendali
Board of Board of Relations
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Komisaris Utama
Independen
Inawaty Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Handojo Independent No No No No No No No
President
Commissioner
Yohanes Komisaris Independen
Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Santoso Independent No No No No No No No
Wibowo Commissioner
Josavia Komisaris Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Rachman Ichwan Commissioner No No No No No No No
Henry Direktur Utama Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Koenaifi President Director No No No No No No No
Yulius Purnama Wakil Direktur Utama Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Junaedi Vice President Director No No No No No No No
Kiung Direktur Keuangan Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Hui Ngo Director of Finance No No No No No No No
Direktur Manajemen
Risiko dan Kepatuhan
Adhiputra Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Tanoyo Director of Risk No No No No No No No
Management and
Compliance
Direktur Bisnis Retail
Yandy dan Jaringan Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Ramadhani Director of Retail No No No No No No No
Business and Network
Direktur Komersial
Dewi K. Banking Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Prodjohartono*) Director of Commercial No No No No No No No
Banking
*)
Efektif menjabat sejak tanggal 6 Mei 2024. / Effective from May 6, 2024.
Kebijakan Pelatihan dan/atau Peningkatan Training and/or Competency Development
Kompetensi Dewan Komisaris dan Direksi Policy for the Board of Commissioners and
[ESG-G.05] Board of Directors [ESG-G.05]
Bank INA menyadari bahwa perkembangan industri perbankan Bank INA realizes the increasingly rapid development of the banking
semakin pesat, terutama didorong oleh digitalisasi. Oleh karena itu, industry, especially fueled by digitalization. Thus, to expand the
guna memperluas pemahaman, keterampilan, dan wawasan Dewan understanding, skills, and insight of the Board of Commissioners
Komisaris serta Direksi, Bank menyediakan program pelatihan dan and Board of Directors, the Bank provides training and competency
peningkatan kompetensi. Pelatihan ini bertujuan untuk mendukung development program. This training aims to support performance
peningkatan kinerja serta memastikan kepatuhan terhadap regulasi improvement as well as ensuring compliance with applicable
yang berlaku. Program ini dilaksanakan secara berkala, baik oleh regulations. This program is held regularly, either by internal or external
pihak internal maupun eksternal. Informasi terkait pelatihan dan party. Information related to training and competency development of
peningkatan kompetensi Dewan Komisaris dan Direksi disajikan the Board of Commissioners and Board of Directors has been presented
dalam bab Profil Perusahaan pada Laporan Tahunan ini. in the Company Profile chapter in this Annual Report.
PT Bank Ina Perdana Tbk 269
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Tata Kelola Perusahaan
Corporate Governance
Program Orientasi Orientation Program
Bank INA menyelenggarakan program orientasi bagi anggota Bank INA organizes orientation program for newly appointed
Dewan Komisaris dan Direksi yang baru dilantik. Program ini members of Board of Commissioners and Board of Directors. It
bertujuan untuk memperkenalkan lingkungan dan kondisi Bank aims to introduce the Bank’s environment and conditions, so
agar mereka dapat menjalankan peran secara efektif. Orientasi they can perform the role effectively. The orientation begins
dimulai dengan perkenalan antar Dewan Komisaris, Direksi, with the introduction of the Board of Commissioners, Board of
Pejabat Eksekutif, Kepala Divisi/Kepala Satuan Kerja, Sekretaris Directors, Executive Officers, Head of Division/Head of Work Unit,
Perusahaan, anggota komite di bawah Dewan Komisaris, Sekretaris Corporate Secretary, members of committees under the Board of
Dewan Komisaris, serta pejabat lainnya. Selain itu, program ini Commissioners, Secretary of Board of Commissioners, and other
juga mencakup penyampaian materi penting yang perlu diketahui officials. This program also delivered important materials the new
oleh anggota Dewan Komisaris dan Direksi yang baru, meliputi: members of the Board of Commissioners and Board of Directors
need to know, including:
1. Struktur organisasi perusahaan serta fungsi Dewan Komisaris 1. Company’s organizational structure and functions of the Board
dan Direksi; of Commissioners and Board of Directors;
2. Hak (termasuk remunerasi dan fasilitas yang didapat), tugas 2. Rights (including remuneration and facilities obtained),
utama, kewajiban, dan tanggung jawab Dewan Komisaris dan main duties, obligations, and responsibilities of the Board of
Direksi; Commissioners and Board of Directors;
3. Kinerja keuangan Bank; 3. Bank’s financial performance;
4. Kondisi Bank terkini, Rencana Bisnis Bank, serta prospek Bank 4. The Bank’s current condition, the Bank’s Business Plan, and the
ke depan; Bank’ future prospects;
5. Perangkat kebijakan internal yang dimiliki Bank; 5. Bank’s internal policy tools;
6. Praktik manajemen risiko Bank; 6. Bank’s risk management practices;
7. Praktik kepatuhan; serta 7. Compliance practices; and
8. Hal lainnya yang sekiranya diperlukan untuk membekali 8. Other matters necessary to equip new members of the Board of
anggota Dewan Komisaris dan Direksi baru. Commissioners and Board of Directors.
Penilaian Kinerja Dewan Komisaris dan Performance Assessment of the Board of
Direksi [ESG-G.04] Commissioners and Board of Directors [ESG-G.04]
Penilaian kinerja Dewan Komisaris dilakukan melalui metode The performance assessment of the Board of Commissioners
self-assessment. Sementara itu, penilaian kinerja Direksi dilakukan is conducted through self-assessment method. Meanwhile, the
oleh Dewan Komisaris, baik secara individu maupun kolektif, performance assessment of Board of Directors is conducted by the
berdasarkan prosedur yang ditetapkan oleh Komite Nominasi dan Board of Commissioners, both individually and collectively based
Remunerasi. Kriteria penilaian kinerja Dewan Komisaris dan Direksi on the procedure set by Nomination and Remuneration Committee.
mencakup: The performance assessment criteria of the Board of Commissioners
and Board of Directors include:
1. Laporan yang disampaikan; 1. Reports submitted;
2. Saran, pertimbangan, dan masukan yang disampaikan; 2. Suggestions, considerations, and input submitted;
3. Aktivitas pelaksanaan pengawasan; 3. Monitoring implementation activities;
4. Ketaatan terhadap kebijakan pengelolaan; 4. Adherence to management policies;
5. Penerapan prinsip-prinsip GCG; 5. Implementation of GCG principles;
6. Kinerja Bank; serta 6. Bank Performance; and
7. Pencapaian target. 7. Target achievement.
Hasil penilaian kinerja disampaikan kepada Pemegang Saham The performance assessment results are submitted to the
dalam RUPS Tahunan melalui Laporan Pengawasan Bank oleh Shareholders at the Annual GMS, through Bank’s Supervisory
Dewan Komisaris dan Laporan Pengelolaan Bank oleh Direksi. Report of Board of Commissioners and Bank’s Management Report
Setelah menelaah laporan tersebut, Pemegang Saham memberikan by Board of Directors. After reviewing the reports, the Shareholders
persetujuan serta pelunasan dan pembebasan tanggung jawab give approval and granted full release and discharge (acquit et de
sepenuhnya (acquit et de charge) kepada anggota Dewan Komisaris charge) to members of the Bank’s Board of Commissioners and Board
dan Direksi atas pelaksanaan tugas mereka selama periode tersebut. of Directors for the implementation of their duties during the period.
Selain itu, penilaian kinerja Dewan Komisaris dan Direksi juga The performance assessment of the Board of Commissioners and
dilakukan melalui self-assessment GCG, yang berpedoman pada Board of Directors is also conducted through GCG self-assessment
Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 dan Surat guided by Financial Services Authority Regulation No. 17 of 2023
270 PT Bank Ina Perdana Tbk
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Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang and Financial Services Authority Circular No. 13/SEOJK.03/2017
Penerapan Tata Kelola Perusahaan bagi Bank Umum. Kriteria ini on the Implementation of Corporate Governance for Commercial
mengutamakan efektivitas pelaksanaan tugas dan tanggung jawab Banks. These criteria prioritize the effectiveness of implementation
Dewan Komisaris dan Direksi selama tahun buku. of duties and responsibilities of the Board of Commissioners and
Board of Directors during the fiscal year.
Penilaian Kinerja Komite Pendukung Performance Assessment of the Board of
Dewan Komisaris Commissioners’ Supporting Committees
Dewan Komisaris secara berkala mengevaluasi kinerja komite The Board of Commissioners periodically evaluates the
pendukung guna memastikan efektivitas pelaksanaan tugas dan performance of supporting committees to ensure effectiveness
tanggung jawab mereka. Penilaian ini mencakup Komite Audit, of the implementation of their duties and responsibilities.
Komite Nominasi dan Remunerasi, serta Komite Pemantau Risiko, This assessment includes the Audit Committee, Nomination and
dengan kriteria penilaian meliputi: Remuneration Committee, and Risk Monitoring Committee, with
the following assessment criteria:
1. Ketepatan laporan yang diberikan kepada Dewan Komisaris; 1. Accuracy of reports given to the Board of Commissioners;
2. Tingkat kehadiran dan partisipasi masing-masing anggota 2. The level of attendance and participation of each committee
komite pada saat rapat; serta member at the meeting; and
3. Keaktifan anggota pada saat rapat. 3. Activeness of members at the meeting.
Sepanjang tahun 2024, Dewan Komisaris menilai bahwa seluruh Throughout 2024, the Board of Commissioners assessed
komite pendukung telah menjalankan tugas, tanggung jawab, that all supporting committees have carried out their duties,
dan wewenangnya dengan baik serta secara efektif mendukung responsibilities, and authorities well and effectively supported the
pelaksanaan tugas Dewan Komisaris. implementation of duties of the Board of Commissioners.
Penilaian Kinerja Komite Pendukung Direksi Performance Assessment of the Board of
Directors’ Supporting Committee
Direksi secara berkala mengevaluasi kinerja komite pendukung The Board of Directors periodically evaluates the performance
guna memastikan efektivitas pelaksanaan tugas dan tanggung of supporting committees to ensure the effectiveness of the
jawab mereka. Penilaian ini mencakup Komite Manajemen Risiko, implementation of their duties and responsibilities. This assessment
Komite Kredit, Komite Kebijakan Perkreditan, ALCO, Komite includes the Risk Management Committee, Credit Committee,
Pengarah Teknologi Informasi, dan Komite Produk. Kriteria Credit Policy Committee, ALCO, Information Technology Steering
penilaian yang digunakan sama dengan kriteria penilaian kinerja Committee, and Product Committee. The assessment criteria used
komite pendukung Dewan Komisaris. is similar with the assessment criteria of the supporting committees
of the Board of Commissioners.
Sepanjang tahun 2024, Direksi menilai bahwa seluruh komite Throughout 2024, the Board of Directors assessed that all supporting
pendukung telah menjalankan tugas, tanggung jawab, dan committees have performed their duties, responsibilities, and
wewenangnya dengan baik serta secara efektif mendukung authorities well and effectively supported the implementation of
pelaksanaan tugas Direksi. duties of the Board of Directors.
Kebijakan Nominasi Dewan Komisaris Nomination Policy of the Board of
dan Direksi [ESG-G.06] Commissioners and Board of Directors [ESG-G.06]
Proses nominasi anggota Dewan Komisaris dan Direksi merupakan The nomination process of members of the Board of Commissioners
bagian dari tanggung jawab Komite Nominasi dan Remunerasi. and Board of Directors is part of the Nomination and Remuneration
Komite ini menyusun daftar calon yang telah diseleksi sesuai Committee’s responsibilities. This Committee compiles a list
dengan kriteria yang ditetapkan oleh Bank, sebagaimana tercantum of candidates selected under the criteria established by the
dalam Pedoman Penerapan Tata Kelola No. KSP/CSC/005/02/0424 Bank, as outlined in the Governance Implementation Guidelines
tertanggal 16 April 2024. Daftar tersebut kemudian diajukan dalam No. KSP/CSC/005/02/0424 dated April 16, 2024. This list is later
rapat internal Dewan Komisaris. submitted in the internal meeting of the Board of Commissioners.
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Tata Kelola Perusahaan
Corporate Governance
Calon yang terpilih akan diangkat dalam RUPS setelah memenuhi Selected candidate will be appointed in the GMS after meeting all
seluruh prosedur nominasi, termasuk uji kemampuan dan of the nomination procedure, including the fit and proper test as
kepatutan (fit and proper test) sebagaimana dipersyaratkan oleh required by the Financial Services Authority. Before being declared
Otoritas Jasa Keuangan. Sebelum dinyatakan lulus uji tersebut, to have passed the test, the prospective member of the Board of
calon anggota Dewan Komisaris dan Direksi belum diperkenankan Commissioners and Board of Directors are prohibited from carrying
menjalankan tugas dan tanggung jawabnya. out the duties and responsibilities.
Kebijakan Remunerasi Dewan Komisaris dan Remuneration Policy of the Board of
Direksi Commissioners and Board of Directors
Dasar dan Kebijakan Remunerasi Dewan Komisaris Remuneration Basis and Policy for the Board of
dan Direksi Commissioners and Board of Directors
Kebijakan remunerasi Dewan Komisaris dan Direksi Bank The remuneration policy of Bank INA’s Board of Commissioners
INA berlandaskan pada Peraturan Otoritas Jasa Keuangan and Board of Directors is based on Financial Services Authority
No. 45/POJK.03/2015, Surat Edaran Otoritas Jasa Keuangan Regulation No. 45/POJK.03/2015, Financial Services Authority
No. 40/SEOJK.03/2016 tentang Tata Kelola Pemberian Remunerasi Circular No. 40/SEOJK.03/2016 on the Governance in Providing
Bank Umum, serta Kebijakan No. HC/002/1222 tentang Tata Kelola Remuneration for Commercial Banks, as well as Policy
Pemberian Remunerasi. No. HC/002/1222 on Governance in Providing Remuneration.
Prosedur dan Penetapan Remunerasi Procedures and Determination of Remuneration for
Dewan Komisaris dan Direksi the Board of Commissioners and Board of Directors
Berikut adalah penjelasan mengenai prosedur dan penetapan Following is the explanation of procedures and determination of
remunerasi Dewan Komisaris dan Direksi Bank. remuneration for the Board of Commissioners and Board of Directors
of the Bank.
1 2 3
Komite Nominasi dan Remunerasi
RUPS memberikan wewenang dan melakukan kajian dan evaluasi
Pemegang Saham melakukan kuasa kepada Dewan Komisaris untuk untuk menentukan remunerasi bagi
pembahasan pada RUPS. menetapkan besaran remunerasi. Dewan Komisaris.
Shareholders conduct discussions The GMS gives authority and power to The Nomination and Remuneration
at the GMS. the Board of Commissioners to determine Committee conducts studies and
the remuneration amount. evaluations to determine remuneration
for the Board of Commissioners.
4
Komite Nominasi dan Remunerasi
memberikan rekomendasi kepada
Dewan Komisaris dan Direksi.
The Nomination and Remuneration
Committee provides recommendations to
the Board of Commissioners and
Board of Directors.
5 6 7
Dewan Komisaris melakukan
pembahasan atas usulan Komite Surat Dewan Komisaris kepada
Nominasi dan Remunerasi untuk Surat Penetapan oleh Pemegang Saham
Direksi tentang Penetapan Remunerasi
kemudian diusulkan melalui surat kepada Pengendali (Bank INA) kepada
Dewan Komisaris dan Direksi.
Pemegang Saham Pengendali (Bank INA). Dewan Komisaris.
Letter of the Board of Commissioners to
The Board of Commissioners discusses Letter of Determination by
the Board of Directors on Determination
the Nomination and Remuneration the Controlling Shareholder (Bank INA)
of Remuneration for the Board of
Committee’s proposal to be proposed to the Board of Commissioners.
Commissioners and Board of Directors.
by letter to the Controlling Shareholder
(Bank INA).
272 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Indikator dan Jenis Penetapan Remunerasi Indicators and Types for Determining Remuneration
Dewan Komisaris dan Direksi for the Board of Commissioners and Board of Directors
Bank telah menetapkan indikator terkait remunerasi Dewan The Bank has determines the remuneration indicators for the Board
Komisaris dan Direksi, yang terdiri dari: of Commissioners and Board of Directors, consist of:
1. Tugas, tanggung jawab, dan wewenang masing-masing 1. Duties, responsibilities, and authorities of each member of
anggota Dewan Komisaris dan Direksi, serta pemenuhannya; the Board of Commissioners and Board of Directors, and the
fulfillment;
2. Hasil survei besaran remunerasi di industri perbankan; 2. The survey results on the remuneration amount in the banking
industry;
3. Skala dan kompleksitas usaha; 3. Business scale and complexity;
4. Tingkat inflasi; 4. Inflation rate;
5. Kondisi dan kemampuan keuangan Bank; 5. Bank’s financial condition and capacity;
6. Kinerja keuangan Bank; serta 6. Bank financial performance; and
7. Tidak bertentangan dengan peraturan perundang-undangan 7. Does not conflict with applicable laws and regulations.
yang berlaku.
Jenis remunerasi yang diterima oleh Dewan Komisaris dan Direksi The types of remuneration received by Bank INA’s Board of
Bank INA, dijelaskan sebagai berikut. Commissioners and Board of Directors are explained as follows.
Jenis Remunerasi Penjelasan
Type of Remuneration Explanation
Remunerasi yang Bersifat Tetap Remunerasi yang diberikan dalam bentuk tunai atau Remuneration provided in cash or in other forms that are
Fixed Remuneration dalam bentuk lain yang tidak dikaitkan dengan kinerja dan not linked to performance and risk, such as basic salary,
risiko, seperti gaji pokok, tunjangan, fasilitas, tunjangan allowances, facilities, housing allowances, health benefits,
perumahan, tunjangan kesehatan, tunjangan pendidikan, education allowances, holiday allowances, and pension.
tunjangan hari raya, dan pensiun.
Remunerasi yang Bersifat Variabel Remunerasi yang dikaitkan dengan kinerja dan risiko, Remuneration linked to performance and risk, which is
Variable Remuneration yang diberikan dalam bentuk tunai dan/atau saham atau provided in the form of cash and/or shares or share-based
instrumen yang berbasis saham yang diterbitkan Bank. instruments issued by the Bank. This remuneration is
Pemberian remunerasi ini secara khusus mendorong especially encouraging prudent risk taking and given by
prudent risk taking serta diberikan dengan memperhatikan considering the most influential risks in business activities
risiko yang paling berpengaruh dalam kegiatan usaha (main risk).
(risiko utama).
Penetapan Material Risk Takers (MRT) Determination of Material Risk Takers (MRT)
Material Risk Takers (MRT) merupakan pihak yang memiliki Material Risk Takers (MRT) are parties having the authority to make
wewenang untuk mengambil keputusan yang dapat berdampak decisions that may cause significant impact to the company’s
signifikan terhadap profil risiko perusahaan. Dalam hal ini, risk profile. In this case, Bank INA determines the MRT through
Bank INA menetapkan MRT melalui 2 pendekatan, yakni: 2 approaches, namely:
1. Metode kualitatif, yakni sesuai dengan porsi tanggung jawab 1. Qualitative method, namely in accordance with the portion of
yang berpengaruh terhadap profil risiko utama yang akan responsibilities that affect the main risk profile which will be
ditentukan berdasarkan evaluasi profil risiko Bank; serta determined based on an evaluation of the Bank’s risk profile;
and
2. Metode kuantitatif, yakni melalui perbandingan penerimaan 2. Quantitative method, namely through a comparison of variable
remunerasi yang bersifat variabel antara MRT dan non-MRT remuneration receipts between MRT and non-MRT while
dengan tetap mempertimbangkan kinerja dan tingkat risiko considering the performance and risk level of the position.
jabatan.
Bank INA menetapkan bahwa bagian dari MRT terdiri dari anggota Bank INA designates, as part of the MRT, are members of
Direksi yang menjabat pada periode tahun berjalan, yang terdiri the Board of Directors serving on the current year period, consists
dari 6 orang. of 6 persons.
PT Bank Ina Perdana Tbk 273
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Tata Kelola Perusahaan
Corporate Governance
Penangguhan atau Penarikan Kembali Remunerasi Suspension or Withdrawal of Remuneration
Kebijakan untuk menunda pembayaran remunerasi variabel yang The policies to postpone payment of deferred variable remuneration
ditangguhkan (malus) atau mengambil kembali remunerasi variabel (malus) or clawback variable remuneration that has been paid
yang sudah dibayarkan (clawback) kepada pihak yang ditetapkan (clawback) to the party designated as MRT can be imposed by the
sebagai MRT dapat diberlakukan oleh Bank, dengan ketentuan Bank, with the following provisions.
sebagai berikut.
1. Bank mengalami kerugian. 1. The Bank suffers losses.
2. Terjadinya risiko yang berdampak negatif terhadap keuangan 2. The occurrence of risks that have a negative impact on the
Bank. Bank’s finances.
3. Terjadinya fraud, pelanggaran hukum, perilaku tidak etis, dan/ 3. There is fraud, law violations, unethical behavior, and/or
atau pemalsuan catatan oleh pihak yang menjadi MRT yang falsification of records by parties who become MRT which are
merugikan Bank. detrimental to the Bank.
4. Kondisi lainnya. 4. Other conditions.
Nilai penangguhan pembayaran ini merujuk pada kondisi internal The value of this deferment of payments referred to the Bank’s
Bank, terutama stabilitas keuangan Bank, kecukupan dan internal conditions, especially the financial stability of the Bank,
penguatan permodalan Bank, kebutuhan likuiditas jangka pendek adequacy and strengthening of the Bank’s capital, short-term and
dan jangka panjang, serta potensi pendapatan di masa depan. long-term liquidity needs, and future income potential. Meanwhile,
Sementara, masa penangguhan pembayaran remunerasi minimal the deferral period for payment of remuneration is at least 3 years
3 tahun dan dapat diperpanjang sesuai dengan jangka waktu risiko. and can be extended in accordance with the risk period.
Penentuan Remunerasi Dikaitkan dengan Kinerja Determination of Remuneration Linked to
dan Risiko Performance and Risk
Remunerasi Dewan Komisaris dan Direksi ditentukan berdasarkan The remuneration of the Board of Commissioners and Board of
hasil penilaian kinerja yang dilakukan melalui metode Key Directors is determined based on the performance assessment
Performance Indicator (KPI). Komite Nominasi dan Remunerasi results carried out using Key Performance Indicator (KPI)
berwenang mengusulkan besaran remunerasi kepada Dewan method. The Nomination and Remuneration Committee has the
Komisaris, yang kemudian disampaikan dalam RUPS untuk authority to propose the amount of remuneration to the Board
ditetapkan. Bank juga menerapkan remunerasi berbasis risiko of Commissioners, which is then submitted to the GMS to be
dengan penetapan MRT. determined. The Bank also implements risk-based remuneration
with the establishment of MRT.
Konsultan terkait Kebijakan Remunerasi Consultants related to Remuneration Policy
Per Desember 2024, Bank belum melibatkan konsultan dalam As of December 2024, the Bank has not involved a consultant in
penetapan kebijakan remunerasi Dewan Komisaris maupun Direksi. determining the remuneration policy of the Board of Commissioners
or Board of Directors.
Struktur dan Besaran Remunerasi Remuneration Structure and Amount
Dewan Komisaris dan Direksi Bank menerima struktur dan besaran The Bank’s Board of Commissioners and Board of Directors received
remunerasi dalam bentuk: remuneration structure and amount in the form of:
1. Remunerasi, yaitu penghasilan dalam bentuk keuangan 1. Remuneration, namely income in financial form (non-natura)
(non-natura) antara lain gaji, tunjangan (benefit), kompensasi including salaries, allowances (benefit), compensation in the
dalam bentuk saham, bonus, dan bentuk remunerasi lainnya; form of shares, bonuses, and other forms of remuneration; and
serta
2. Fasilitas lain, yaitu fasilitas yang diterima tidak dalam 2. Other facilities, namely facilities received not in financial form
bentuk keuangan (natura), antara lain fasilitas perumahan, (natura), including housing facilities, transportation facilities,
fasilitas transportasi, fasilitas asuransi kesehatan, fasilitas health insurance facilities, telecommunications facilities, and
telekomunikasi, dan fasilitas lainnya, yang dapat dimiliki other facilities, which may or may not be owned.
maupun tidak dapat dimiliki.
274 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Sementara itu, besaran remunerasi anggota Dewan Komisaris dan Meanwhile, the remuneration amount for members of the Bank’s
Direksi Bank selama tahun 2024, diuraikan sebagai berikut. Board of Commissioners and Board of Directors in 2024 is described
as follows.
Jumlah Diterima dalam 1 Tahun
Amount Received in 1 Year
Jenis Remunerasi dan Fasilitas Lain Dewan Komisaris Direksi
Types of Remuneration and Other Facilities Board of Commissioners Board of Directors
Orang Jutaan Rupiah Orang Jutaan Rupiah
People Millions of Rupiah People Millions of Rupiah
Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas
lainnya dalam bentuk non-natura)
3 3.863 6 32.356
Remuneration (salary, bonus, routine allowance, tantiem, and
other non-natura facilities)
Fasilitas lain dalam bentuk natura (perumahan, fasilitas
kesehatan, dan sebagainya) yang: 3 - 6 -
Other facilities in kind (housing, health facilities, etc.) which:
Dapat dimiliki Nihil Nihil Nihil Nihil
Can be owned None None None None
Tidak dapat dimiliki Nihil Nihil Nihil Nihil
Cannot be owned None None None None
Total 3 3.863 6 32.356
Jumlah Remunerasi Tunai per Orang dalam 1 Tahun*) Jumlah Dewan Komisaris Jumlah Direksi
Amount of Cash Remuneration per Person in 1 Year*) Total Board of Commissioners Total Board of Directors
Di atas Rp2 miliar
- 6
Above Rp2 billion
Di atas Rp1 miliar - Rp2 miliar
3 -
Above Rp1 billion - Rp2 billion
Di atas Rp500 juta - Rp1 miliar
- -
Above Rp500 million - Rp1 billion
Rp500 juta ke bawah
- -
Rp500 million and below
*)
Jumlah yang diterima secara tunai. / Amount received in cash.
Jumlah Diterima dalam 1 Tahun
Amount Received in 1 Year
Remunerasi yang Bersifat
Variabel yang Diterima Dewan Komisaris Direksi Pegawai
Variable Remuneration Board of Commissioners Board of Directors Employees
Received
Orang Jutaan Rupiah Orang Jutaan Rupiah Orang Jutaan Rupiah
People Millions of Rupiah People Millions of Rupiah People Millions of Rupiah
Total - - - - - -
Rasio 2024 Rasio 2023
Rasio Gaji Tertinggi dan Terendah
2024 Ratio 2023 Ratio
Ratio of Highest and Lowest Salary
(Kali / Time) (Kali / Time)
Rasio Gaji Karyawan Tertinggi dan Terendah
55,60 55,20
Highest and Lowest Employee Salary Ratio
Rasio Gaji Direksi Tertinggi dan Terendah
2,34 1,88
Ratio of the Highest and Lowest Board of Directors Salary
Rasio Gaji Dewan Komisaris Tertinggi dan Terendah
1,14 1,14
Ratio of the Highest and Lowest Board of Commissioners Salary
Rasio Gaji Direksi Tertinggi dan Karyawan Tertinggi
3,12 2,72
Ratio of the Highest Board of Directors and Highest Employee Salaries
PT Bank Ina Perdana Tbk 275
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Tata Kelola Perusahaan
Corporate Governance
Jumlah Nominal Pesangon yang Dibayarkan per Orang dalam 1 Tahun Jumlah Pegawai
Nominal Amount of Severance Paid per Person in 1 Year Total Employees
Di atas Rp1 miliar
1
Above Rp1 billion
Di atas Rp500 juta - Rp1 miliar
-
Above Rp500 million - Rp1 billion
Di bawah Rp500 juta
4
Below Rp500 million
Opsi Saham
Total Saham Dimiliki Stock Options
Jabatan (Lembar Saham) Diberikan Telah Dieksekusi
Position Total Shares Owned Harga Opsi
(Lembar Saham) (Lembar Saham) Jangka Waktu
(Shares) Option Price
Given Executed Time Period
(Rp)
(Shares) (Shares)
Dewan Komisaris Nihil Nihil Nihil Nihil Nihil
Board of Commissioners None None None None None
Direksi Nihil Nihil Nihil Nihil Nihil
Board of Directors None None None None None
Pejabat Eksekutif Nihil Nihil Nihil Nihil
9.567
Executive Officer None None None None
Nihil Nihil Nihil Nihil
Total 9.567
None None None None
Remunerasi yang Bersifat Tetap*) (Jutaan Rupiah)
1.
Fixed Remuneration*) (Million Rupiah)
Tunai
a. 36.219
Cash
Saham/Instrumen Berbasis Saham yang Diterbitkan Bank Nihil
b.
Shares/Share-Based Instruments Issued by the Bank None
Remunerasi yang Bersifat Variabel*)
(Jutaan Rupiah) Tidak Ditangguhkan Ditangguhkan
2.
Variable Remuneration*) Not Deferred Deferred
(Million Rupiah)
Tunai Nihil Nihil
a.
Cash None None
Saham/Instrumen Berbasis Saham yang Diterbitkan Bank Nihil Nihil
b.
Shares/Share-Based Instruments Issued by the Bank None None
*)
Hanya untuk MRT. / Only for MRT.
Informasi Kuantitatif
Quantitative Information
Jumlah Pengurangan Selama Periode Laporan
Total Deductions During the Reporting Period
Disebabkan Disebabkan
Jenis Remunerasi yang Bersifat Variabel*) Penyesuaian Penyesuaian
Types of Variable Remuneration*) Sisa yang Masih Eksplisit Implisit
Total
Ditangguhkan Caused by Caused by
(A) + (B)
Still Deferred Explicit Implicit
Adjustment Adjustment
(A) (B)
Tunai (dalam jutaan Rupiah)
- - - -
Cash (in millions of Rupiah)
Saham/Instrumen Berbasis Saham yang Diterbitkan Bank (dalam lembar saham
dan nominasi juta Rupiah yang merupakan konversi dari lembar saham tersebut) Nihil Nihil Nihil Nihil
Shares/Share-Based Instruments Issued by the Bank (in Shares and nominations in None None None None
million Rupiah which is the conversion of the said shares)
*)
Hanya untuk MRT. / Only for MRT.
276 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Informasi Lain terkait Tata Kelola Remunerasi Other Information related to Remuneration
Governance
Selama tahun 2024, tidak terdapat intervensi dari pemilik, tidak Throughout 2024, there was no owner intervention, no internal
terjadi perselisihan internal, maupun masalah yang disebabkan dispute, or issue arising from the Bank’s remuneration policy.
oleh kebijakan remunerasi Bank.
Penanganan Benturan Kepentingan Handling of Conflict of Interest of the Board of
Dewan Komisaris dan Direksi [ESG-G.09] Commissioners and Board of Directors [ESG-G.09]
Bank berkomitmen untuk memastikan bahwa setiap anggota Bank INA is committed to ensure that every member of the Board of
Dewan Komisaris dan Direksi bebas dari benturan kepentingan Commissioners and the Board of Directors is free from any conflict
(conflict of interest) guna menjaga transparansi dan objektivitas of interest to maintain transparency and objectivity in carrying
dalam pelaksanaan tugas dan tanggung jawabnya. Komitmen out their duties and responsibilities. This commitment is realized
ini diwujudkan melalui implementasi Peraturan Otoritas Jasa by implementing the Financial Services Authority Regulation
Keuangan No. 18/POJK.03/2014 tentang Penerapan Tata Kelola No. 18/POJK.03/2014 on Implementation of Integrated Governance
Terintegrasi bagi Konglomerasi Keuangan, yang mengharuskan for Financial Conglomerates, which requires the Bank to:
Bank untuk:
1. Mengidentifikasi, memitigasi, dan mengelola benturan 1. Identify, mitigate, and manage conflicts of interest, including
kepentingan, termasuk yang berasal dari transaksi dengan those arising from transactions with affiliated parties and
pihak terafiliasi dan transaksi intra-grup; intragroup transactions;
2. Melarang anggota Dewan Komisaris dan Direksi melakukan 2. Prohibit members of the Board of Commissioners and Board
tindakan yang dapat merugikan atau mengurangi keuntungan of Directors from taking actions that can harm or reduce the
perusahaan; serta company’s profits; and
3. Menyatakan adanya benturan kepentingan dalam setiap proses 3. Declare a conflict of interest in every decision-making process.
pengambilan keputusan.
Sebagai bentuk penguatan komitmen tersebut, Bank telah To strengthen the commitment, the Bank has prepared an internal
menyusun kebijakan internal terkait Penanganan Benturan policy related to Conflict of Interest Handling No. COM/002/01/0319,
Kepentingan No. COM/002/01/0319, yang disahkan pada 29 Maret which was approved on March 29, 2019. This policy emphasizes that
2019. Kebijakan ini menegaskan bahwa setiap proses pengambilan every decision making process, both inside and outside the meeting,
keputusan, baik di dalam maupun di luar rapat, harus bebas dari must be free from conflict of interest. Therefore, any party who
benturan kepentingan. Oleh karena itu, pihak yang memiliki have a conflict of interest is prohibited to participate in decision-
benturan kepentingan tidak diperkenankan untuk ikut serta dalam making process. The Board of Commissioners, Board of Directors
proses pengambilan keputusan. Dewan Komisaris, Direksi, dan and Executive Officers are required to avoid any participation in
Pejabat Eksekutif diwajibkan untuk menghindari keterlibatan dalam the decision making that has the potentials of causing a conflict
pengambilan keputusan yang berpotensi menimbulkan benturan of interest. If the conflict of interest cannot be avoided, then the
kepentingan. Jika benturan kepentingan tidak dapat dihindari, parties involved must prioritize the interests of the Bank.
maka pihak yang terlibat harus mengutamakan kepentingan Bank.
PT Bank Ina Perdana Tbk 277
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Tata Kelola Perusahaan
Corporate Governance
Komite Pendukung Dewan Komisaris
Board of Commissioners Supporting Committee
Komite pendukung Dewan Komisaris dibentuk untuk meningkatkan The Board of Commissioners Supporting Committee is established
efektivitas pelaksanaan tugas dan tanggung jawabnya. Komite to improve the effectiveness of implementation of its duties and
ini terdiri dari Komite Audit, Komite Nominasi dan Remunerasi, responsibilities. This committee consists of the Audit Committee,
serta Komite Pemantau Risiko. Nomination and Remuneration Committee, and the Risk Monitoring
Committee.
Komite Audit Audit Committee
Komite Audit berperan dalam mengawasi proses audit, baik The Audit Committee has a role to supervise the audit process, both
internal maupun eksternal, serta memastikan bahwa Laporan internal or external, and ensure the Financial Statements is prepared
Keuangan disusun sesuai dengan kebijakan yang berlaku. Komite in accordance with the applicable policies. This committee is also
ini juga bertanggung jawab atas pengawasan efektivitas sistem responsible to supervise the effectiveness of the internal control
pengendalian internal, manajemen risiko, dan penerapan GCG system, risk management, and overall GCG implementation.
secara menyeluruh.
Pedoman Kerja Charter
Komite Audit menjalankan fungsinya sesuai dengan ketentuan The Audit Committee carries out its functions by following
dalam Piagam Komite Audit yang disahkan pada 13 Desember 2023. the provision in the Audit Committee Charter, which was approved
on December 13, 2023.
Komposisi Composition
Pada tahun 2024, terjadi perubahan komposisi Komite Audit Bank In 2024, there was a change in the composition of Bank INA’s Audit
INA sehubungan dengan berakhirnya masa jabatan Bapak Ivan Committee with the end of term of office of Mr. Ivan Purnama
Purnama Sanoesi dan Bapak Jacobus Sindu Adisuwono sebagai Sanoesi and Mr. Jacobus Sindu Adisuwono as members. Thus,
anggota. Dengan demikian, komposisi Komite Audit Bank INA the composition of Bank INA’s Audit Committee is as follows.
sebagai berikut.
Periode Januari 2024-1 Juli 2024
Period January 2024 – July 1, 2024
Dasar Hukum Periode
Nama Jabatan Pengangkatan Jabatan Keahlian Keterangan
Name Position Legal Basis of Term of Expertise Remark
Appointment Office
Banking, Governance,
Ketua Risk Management, Komisaris Independen
Inawaty Handojo
Chairperson Assurance, and Independent Commissioner
Control Compliance
Surat Keputusan Direksi
No. SK/DIR/020/0622 tanggal Januari 2024 - Manajemen Risiko
Anggota 27 Juni 2022 1 Juli 2024 dan Akuntansi Pihak Independen
Ivan Purnama Sanoesi
Member Board of Directors Decision January, 2024 - Risk Management Independent Party
No. SK/DIR/020/0622 dated July 1, 2024 and Accounting
June 27, 2022 Akuntansi dan
Anggota Perbankan Pihak Independen
Jacobus Sindu Adisuwono
Member Accounting and Independent Party
Banking
278 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Periode 2 Juli 2024-31 Desember 2024
Period July 2, 2024-December 31, 2024
Dasar Hukum Periode
Nama Jabatan Pengangkatan Jabatan Keahlian Keterangan
Name Position Legal Basis of Term of Expertise Remark
Appointment Office
Ketua Perbankan Komisaris Independen
Yohanes Santoso Wibowo
Chairperson Banking Independent Commissioner
Surat Keputusan Direksi Perbankan
Anggota No. SK/DIR/047/0724 dan Hukum Pihak Independen
Dinan Sufendi RAE
Member tanggal 2 Juli 2024. Independent Party
2024-2027 Banking and Law
Board of Directors Decision
No. SK/DIR/047/0724 Akuntansi dan
Anggota dated July 2, 2024. Perbankan Pihak Independen
Antonius Suryanta
Member Accounting and Independent Party
Banking
Profil Profile
Profil anggota Komite Audit telah diungkapkan pada Bab Profil Profiles of Audit Committee’s members have been disclosed in
Perusahaan di dalam Laporan Tahunan ini. the Company Profile Chapter of this Annual Report.
Independensi Independency
Komite Audit berkomitmen untuk menjaga independensi dalam The Audit Committee is committed to maintain independence
menjalankan tugas dan tanggung jawabnya guna memastikan in carrying out its duties and responsibilities to ensure there
tidak adanya benturan kepentingan atau intervensi dari pihak lain. is no conflict of interest or intervention from other party. This
Komitmen ini dibuktikan melalui pemenuhan aspek independensi commitment is shown through the fulfillment of the following
berikut. aspects of independence.
Aspek Independensi Yohanes Santoso Dinan Antonius
Independency Aspect Wibowo Sufendi Rae Suryanta
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 kepengurusan di Bank, Entitas Anak, maupun perusahaan afiliasi.
Has no management relationship at the Bank, Subsidiaries, or affiliated companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama
anggota komite lainnya.
Has no family relationship with the Board of Commissioners, Board of Directors, and/or
other members of the committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Not serving as administrators of political parties, officials, and government.
√ : Terpenuhi / Fulfilled x: Tidak terpenuhi / Not fulfilled
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Komite Audit. Following are the description of duties and responsibilities of the
Audit Committee.
1. Bertindak secara independen dalam melaksanakan tugas dan 1. To act independently in carrying out its duties and
tanggung jawabnya. responsibilities.
2. Melakukan penelaahan atas informasi keuangan yang akan 2. To review the financial information that will be issued by the
dikeluarkan oleh Bank kepada publik dan/atau pihak otoritas, Bank to the public and/or authorities, including Financial
antara lain Laporan Keuangan, proyeksi, dan laporan lainnya Statements, projections, and other reports related to the Bank’s
terkait dengan informasi keuangan Bank. financial information.
3. Melakukan penelaahan atas ketaatan terhadap peraturan 3. To review the compliance with laws and regulations related to
perundang-undangan yang berhubungan dengan kegiatan Bank activities.
Bank.
PT Bank Ina Perdana Tbk 279
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Tata Kelola Perusahaan
Corporate Governance
4. Memberikan pendapat independen dalam hal terjadi 4. To provide an independent opinion in the event of a dissenting
perbedaan pendapat antara manajemen dan akuntan atas jasa opinion between the management and the accountant for the
yang diberikannya. services provided.
5. Memberikan rekomendasi mengenai penunjukan akuntan 5. To provide recommendations on the appointment of
publik dan kantor akuntan publik kepada Dewan Komisaris public accountant and public accounting firm to the Board
untuk disampaikan kepada RUPS yang didasarkan pada of Commissioners to be submitted to the GMS based on
independensi, ruang lingkup penugasan, dan imbalan jasa. independency, assignment scope, and services fees.
6. Melakukan penelaahan atas pelaksanaan pemeriksaan oleh 6. To review the audit conducted by internal auditors and to
auditor internal dan mengawasi pelaksanaan tindak lanjut oleh oversee the follow-up actions taken by the Board of Directors
Direksi atas temuan auditor internal. on internal auditors’ findings.
7. Menelaah pengaduan yang berkaitan dengan proses akuntansi 7. To examine complaints related to the Bank’s accounting and
dan pelaporan keuangan Bank. financial reporting processes.
8. Menelaah dan memberikan saran kepada Dewan Komisaris 8. To review and provide advice to Board of Commissioners on
terkait dengan adanya potensi benturan kepentingan Bank. potential conflict of interest of the Bank.
9. Menjaga kerahasiaan dokumen, data, dan informasi Bank. 9. To maintain the confidentiality of documents, data, and
information of the Bank.
10. Wajib mematuhi Kode Etik Komite Audit yang ditetapkan oleh 10. Must comply with the Audit Committee’s Code of Conduct
Bank. established by the Bank.
Wewenang Authority
Berikut wewenang yang dimiliki Komite Audit Bank INA. Following is the authority of Bank INA’s Audit Committee.
1. Memperoleh informasi yang diperlukan dan dapat 1. To obtain necessary information and communicate directly
berkomunikasi langsung dengan karyawan, termasuk Direksi with employees, including the Board of Directors and parties
dan pihak yang menjalankan fungsi audit internal, manajemen carrying out internal audit, risk management, and public
risiko, dan akuntan publik terkait dengan tugas dan tanggung accounting functions related to Audit Committee’s duties and
jawab Komite Audit. responsibilities.
2. Melibatkan pihak independen di luar anggota Komite Audit 2. To involve independent parties outside of Audit Committee
yang diperlukan untuk membantu pelaksanaan tugasnya members required to assist in carrying out its duties (if needed).
(jika diperlukan).
3. Melakukan kewenangan lain yang diberikan oleh Dewan 3. To carry out other authorities granted by the Board of
Komisaris. Commissioners.
Rapat Meeting
Komite Audit wajib mengadakan rapat internal setidaknya sekali The Audit Committee is required to held internal meetings at least
setiap bulan, yang dipimpin oleh Ketua Komite Audit. Rapat once every month, chaired by the Chairperson of Audit Committee.
dianggap sah apabila dihadiri oleh mayoritas anggota komite. Meeting is considered valid if attended by the majority of committee
Sepanjang tahun 2024, Komite Audit telah menyelenggarakan members. Throughout 2024, the Audit Committee held 13 internal
13 rapat internal dengan tingkat kehadiran sebagai berikut. meetings with the following attendance rate.
Periode Januari 2024-1 Juli 2024
Period January 2024-July 1, 2024
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Ketua
Inawaty Handojo 6 6 100,00
Chairperson
Anggota
Ivan Purnama Sanoesi 6 6 100,00
Member
Anggota
Jacobus Sindu Adisuwono 6 6 100,00
Member
Rata-Rata Kehadiran (%)
100,00
Average Attendance (%)
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Periode 2 Juli 2024-31 Desember 2024
Period July 2, 2024-December 31,2024
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Ketua
Yohanes Santoso Wibowo 7 7 100,00
Chairperson
Anggota
Dinan Sufendi Rae 7 7 100,00
Member
Anggota
Antonius Suryanta 7 6 85,71%
Member
Rata-Rata Kehadiran (%)
95,24
Average Attendance (%)
Informasi mengenai tanggal pelaksanaan, agenda dan materi, serta Information regarding the meeting dates, agendas, and materials,
peserta rapat internal Komite Audit disajikan sebagai berikut. as well as the participants of the internal meetings of the Audit
Committee are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH IPS JSA YSW DSR AS
• Status Pemeriksaan SKAI Desember 2023; serta
25 Januari 2024 • Kinerja Bank per 31 Desember 2023.
January 25, 2024 • Status of SKAI Audit December 2023; and
• Bank Performance as of December 31, 2023.
4 Maret 2024 Status Pemeriksaan SKAI Februari 2024.
March 4, 2024 Status of SKAI Audit February 2024.
20 Maret 2024 Rekapitulasi Issue Temuan Cabang 2023.
March 20, 2024 Recapitulation of Branch Issue Finding 2023.
Performance Year on Year Tahun 2023.
18 April 2024 Status Pemeriksaan SKAI Maret 2024.
April 18, 2024 2023 Performance Year on Year.
Status of SKAI Audit March 2024.
27 Mei 2024 Status Pemeriksaan SKAI April 2024.
May 27, 2024 Status of SKAI Audit April 2024.
14 Juni 2024 Revisi Rencana Kerja SKAI tahun 2024.
June 14, 2024 Revision of SKAI Work Plan 2024.
• Progress Penugasan Audit dan Hasil Monitoring Tindak Lanjut
SKAI; serta
22 Juli 2024 • Kinerja Bank per 30 Juni 2024
July 22, 2024 • Progress of Audit Assignment and Monitoring Results of SKAI
Follow-up; and
• Bank Performance as of June 30, 2024.
23 Agustus 2024 Progress Penugasan Audit.
August 23, 2024 Progress of Audit Assignment.
13 September 2024 Status Pemeriksaan SKAI Agustus 2024.
September 13, 2024 Status of SKAI Audit August 2024.
• Kinerja Bank per 30 September 2024; serta
31 Oktober 2024 • Laporan Hasil Audit Mikro Banking 2024.
October 31, 2024 • Bank performance as of September 30, 2024.
• Report of Micro Banking Audit Results 2024.
29 November 2024 Progress Penugasan Audit.
November 29, 2024 Progress of Audit Assignment.
3 Desember 2024 Audit Plan Tahun 2025.
x
December 3, 2024 2025 Audit Plan.
18 Desember 2024 Pemaparan RBB 2025-2027.
December 18, 2024 Presentation of RBB 2025-2027.
Keterangan: / Remark:
IH : Inawaty Handojo IPS : Ivan Purnama Sanoesi JSA : Jacobus Sindu Adisuwono
YSW : Yohanes Santoso Wibowo DSR : Dinan Sufendi Rae AS : Antonius Suryanta
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Tata Kelola Perusahaan
Corporate Governance
Laporan Pelaksanaan Kerja Komite Audit Audit Committee’s Work Implementation Report
Selama tahun 2024, Komite Audit telah menjalankan tugas dan Throughout 2024, Audit Committee has carried out its duties and
tanggung jawab dengan baik dan profesional, yang diuraikan responsibilities well and professionally, as outlined below.
sebagai berikut.
1. Melakukan penelaahan atas Laporan Keuangan publikasi 1. Reviewing the published Financial Statements that will be
yang akan disampaikan Bank kepada publik dan Otoritas Jasa submitted by the Bank to the public and Financial Services
Keuangan. Authority.
2. Melakukan penelaahan atas Laporan Kepatuhan dan 2. Reviewing Compliance Reports and Implementation Anti-
Penerapan Anti Pencucian Uang dan Pencegahan Pendanaan Money Laundering and Counter-Terrorism Financing (AML-CTF)
Terorisme (APU-PPT) untuk menilai ketaatan Bank terhadap to assess the Bank’s compliance with the applicable laws and
peraturan perundang-undangan yang berlaku. regulations.
3. Melakukan pertemuan dengan akuntan publik untuk 3. Conducting meetings with public accountant to discuss the
membahas hasil audit Laporan Keuangan Bank tahun 2023 audit results of the Bank’s Financial Statements for 2023 and
dan melakukan evaluasi terhadap kinerja akuntan publik dan evaluating the performance of public accountant and public
kantor akuntan publik yang melakukan pemeriksaan. accounting firm conducting the audits.
4. Memberikan rekomendasi kepada Dewan Komisaris mengenai 4. Providing recommendations to Board of Commissioners on the
penunjukan akuntan publik dan kantor akuntan publik untuk appointment of public accountant and a public accounting firm
pelaksanaan audit Laporan Keuangan Bank tahun 2024. to conduct audit of the Bank’s Financial Statements in 2024.
5. Melakukan pemantauan atas pelaksanaan rencana audit tahun 5. Monitoring the implementation of the 2024 audit plan by
2024 oleh auditor internal dan menelaah laporan-laporan hasil internal auditors and reviewing the published audit reports.
audit yang diterbitkan.
6. Memantau pelaksanaan tindak lanjut oleh Direksi dan unit 6. Monitoring the implementation of follow-up by the Board
kerja atas temuan auditor internal, auditor eksternal, dan tim of Directors and work units on findings of internal auditors,
pemeriksa Otoritas Jasa Keuangan. external auditors, and Financial Services Authority audit team.
Evaluasi dan Rekomendasi Komite Audit dalam Evaluation and Recommendations of
Penunjukan Kantor Akuntan Publik the Audit Committee in the Appointment of
Public Accounting Firm
Komite Audit telah merekomendasikan KAP Purwantono, Sungkoro The Audit Committee has recommended KAP Purwantono,
& Surja (a member of Ernst & Young) untuk melaksanakan audit Sungkoro & Surja (a member of Ernst & Young) to carry out
Laporan Keuangan Bank tahun buku 2024. Penunjukan tersebut the audit of the Bank’s Financial Statements for 2024 fiscal year.
telah mempertimbangkan berbagai hal, yang dijelaskan sebagai The appointment has considered various matters, as outlined
berikut. below.
1. Independensi AP, KAP, dan Orang dalam KAP 1. Independency of AP, KAP, and KAP insiders
Akuntan Publik (AP), KAP dan Tim Audit yang akan melaksanakan The Public Accountant (AP), Public Accounting Firm (KAP), and
pemeriksaan tidak memiliki hubungan keuangan maupun Audit Team who will conduct the audit shall have no financial
hubungan keluarga, baik secara langsung maupun tidak or family relationship, either directly or indirectly, with the
langsung, dengan Pemegang Saham, Dewan Komisaris, dan Shareholders, Board of Commissioners, and Board of Directors
Direksi Bank INA, sehingga kegiatan pemeriksaan dapat of Bank INA, so that the audit activities can be carried out
dilaksanakan secara independen dan objektif. independently and objectively.
2. Ruang Lingkup Audit 2. Audit Scope
Ruang lingkup audit meliputi Laporan Keuangan Bank INA The audit scope includes the Financial Statements of Bank INA
posisi 31 Desember 2024 dan informasi keuangan historis for the position of December 31, 2024, and historical financial
sampai dengan tanggal tersebut, serta penilaian atas information up to that date, and an assessment of the adequacy
kecukupan dan efektivitas sistem pengendalian internal dalam and effectiveness of internal control system in the process of
proses penyusunan Laporan Keuangan. Ruang lingkup audit preparing Financial Statements. The audit scope also refers
juga mengacu pada Peraturan Otoritas Jasa Keuangan No. 9 to Financial Services Authority Regulation No. 9 of 2023 dated
Tahun 2023 tanggal 11 Juli 2023 tentang Tata Cara Penggunaan July 11, 2023, on Procedures for Using Services of Public
Jasa Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan Accountant and Public Accounting Firm in Financial Services
Jasa Keuangan, BAB ke IV Pasal 10 yang mengatur tentang Activities, PART IV Article 10, which regulates the Audit Scope.
Ruang Lingkup Audit.
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3. Imbalan Jasa Audit 3. Audit Service Fees
KAP mengajukan imbalan jasa audit yang tergolong wajar. KAP proposes compensation for audit services that are
classified as reasonable.
4. Keahlian dan Pengalaman AP, KAP, dan Tim Audit dari KAP 4. Expertise and Experience of AP, KAP, and Audit Team from KAP
AP dan KAP telah memiliki pengalaman melakukan audit AP and KAP have experience in conducting audits of public
terhadap bank dan perusahaan terbuka, dan memiliki rekam banks and companies, and have a good track record and
jejak yang baik serta terdaftar sebagai AP dan/atau KAP pada are registered as AP and/or KAP with the Financial Services
Otoritas Jasa Keuangan. Authority.
5. Metodologi, Teknik, dan Sarana Audit yang Digunakan KAP 5. Audit Methodology, Techniques, and Facilities Used by KAP
Audit dilakukan dengan menggunakan pendekatan risiko The audit is conducted using a risk-based audit approach
(risk-based audit) dengan melaksanakan serangkaian by performing a series of audit procedures which include
prosedur pemeriksaan yang meliputi tanya jawab, observasi, debriefing, observation, document inspection, sampling,
pemeriksaan dokumen, uji petik, konfirmasi kepada pihak confirmation to third parties, determination of the magnitude
ketiga, penentuan besar salah saji material dan prosedur audit of material misstatement, and other audit procedures in order
lainnya dalam rangka auditor mendapatkan keyakinan yang for the auditor to obtain adequate assurance to issue an opinion
memadai untuk mengeluarkan opini atas hasil audit. on the audit results.
6. Manfaat Fresh Eye Perspectives yang akan Diperoleh melalui 6. Benefit of Fresh Eye Perspectives to be obtained through
Pergantian AP, KAP, dan Tim Audit dari KAP replacement of AP, KAP, and Audit Team from KAP
Pada tahun 2024, Bank tidak melakukan pergantian KAP, AP, In 2024, the Bank did not replace KAP, AP, and Audit Team.
dan Tim Audit. Bank masih bekerja sama dengan Christophorus The Bank is still working with Christophorus Alvin Kossim
Alvin Kossim sebagai akuntan publik. Pergantian hanya as a public accountant. The replacement was only made in
dilakukan pada tahun 2020, di mana hal tersebut diharapkan 2020, where it was expected to became part of fulfilling a new
dapat menjadi bagian dari pemenuhan adanya perspektif baru perspective in auditing.
dalam pelaksanaan audit.
7. Potensi Risiko atas Penggunaan Jasa Audit oleh KAP 7. Potential Risk of Using Audit Services by the same KAP
yang sama Secara Berturut-turut untuk Kurun Waktu yang Consecutively for a Sufficiently Long Period
Cukup Panjang
KAP Purwantono, Sungkoro & Surja telah ditunjuk untuk KAP Purwantono, Sungkoro & Surja has been appointed to carry
melaksanakan pemeriksaan atas informasi keuangan out audits of the historical financial information of Bank INA
historis Bank INA sejak tahun 2015, namun demikian potensi since 2015, however, the potential risk of using audit services
risiko penggunaan jasa audit oleh KAP yang sama secara by the same KAP consecutively has been mitigated as follows.
berturut-turut ini telah dilakukan mitigasi sebagai berikut.
a. Berdasarkan hasil evaluasi, KAP selalu dapat menjaga a. Based on the evaluation results, KAP is always able to
independensi, profesionalitas, dan ketaatan pada Kode maintain independence, professionalism, and adherence
Etik Profesi dalam pelaksanaan tugasnya. to Professional Code of Ethics in carrying out its duties.
b. Dilakukan perubahan AP (signing partner) secara berkala b. AP (signing partner) is changed periodically to maintain
untuk memelihara fresh eye perspectives di dalam fresh eye perspectives in conducting audits.
pelaksanaan audit.
8. Hasil Evaluasi Terhadap Pelaksanaan Pemberian Jasa Audit 8. Evaluation Results of the Implementation of Provision of
atas Informasi Keuangan Historis Tahunan oleh AP dan KAP Audit Services on Annual Historical Financial Information
pada Periode Sebelumnya by AP and KAP in the Previous Period
Hasil evaluasi terhadap penggunaan AP dan KAP Purwantono, The evaluation results of the use of AP and KAP Purwantono,
Sungkoro & Surja dalam melaksanakan pemeriksaan atas Sungkoro & Surja in carrying out an audit of the historical
informasi keuangan historis Bank INA pada tahun-tahun buku financial information of Bank INA in the previous financial years
sebelumnya dinilai baik. were considered good.
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Tata Kelola Perusahaan
Corporate Governance
Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
Komite Nominasi dan Remunerasi berperan dalam mengelola serta The Nomination and Remuneration Committee plays a role
menetapkan kebijakan pengangkatan Dewan Komisaris dan Direksi. to manage and establish appointment policy of the Board of
Selain itu, komite ini bertanggung jawab dalam menentukan Commissioners and Board of Directors. It is also responsible in
struktur remunerasi yang adil dan kompetitif. determining a fair and competitive remuneration structure.
Pedoman Kerja Charter
Komite Nominasi dan Remunerasi menjalankan fungsinya sesuai The Nomination and Remuneration Committee carries out its
dengan ketentuan dalam Pedoman dan Tata Tertib Kerja Komite functions in accordance with the provisions in the Nomination
Nominasi dan Remunerasi yang disahkan pada 13 Desember 2023. and Remuneration Committee Charter, which was approved on
December 13, 2023.
Komposisi Composition
Pada tahun 2024, terjadi perubahan komposisi Komite Nominasi In 2024, there was a change to the composition of the Nomination
dan Remunerasi seiring dengan penambahan anggota baru, yaitu and Remuneration Committee with the addition of a new member,
Bapak Jahja. Dengan demikian, per 31 Desember 2024, komposisi namely Mr. Jahja. Thus, as of December 31, 2024, the composition of
Komite Nominasi dan Remunerasi sebagai berikut. the Nomination and Remuneration Committee is as follows.
Dasar Hukum Periode
Nama Jabatan Pengangkatan Jabatan Keahlian Keterangan
Name Position Legal Basis of Term of Expertise Remark
Appointment Office
Inawaty Handojo Ketua Surat Keputusan Direksi 2024-2027 Perbankan Komisaris Utama Independen
Chairperson No. SK/DIR/049/0724 tanggal Banking Independent President
2 Juli 2024 tentang Susunan Commissioner
Anggota Komite Nominasi
Yohanes Santoso Wibowo Anggota Perbankan Komisaris Independen
dan Remunerasi PT Bank Ina
Member Banking Independent Commissioner
Perdana Tbk.
Josavia Rachman Ichwan Anggota Board of Directors Decision Banking Komisaris
Member No. SK/DIR/049/0724 dated Banking Commissioner
Liza L. Widyasari Anggota July 2, 2024 on the Composition Perbankan Kepala Divisi Human Capital Services
Member of Members of the Nomination Banking Head of Human Capital Services
and Remuneration Committee
Division
of PT Bank Ina Perdana Tbk.
Jahja Anggota Surat Keputusan Direksi Perbankan Kepala Divisi Human Capital
Member No. SK/DIR/055/0924 tanggal Banking Transformation
19 September 2024 tentang Head of Human Capital
Susunan Anggota Komite Transformation Division
Nominasi dan Remunerasi
PT Bank Ina Perdana Tbk.
Board of Directors Decision
No. SK/DIR/055/0924 dated
September 19, 2024 on the
Composition of Members of the
Nomination and Remuneration
Committee of PT Bank Ina
Perdana Tbk.
Profil Profile
Profil anggota Komite Nominasi dan Remunerasi telah diungkapkan Profiles of members of the Nomination and Remuneration
pada Bab Profil Perusahaan di dalam Laporan Tahunan. Committee have been disclosed in the Company Profile Chapter of
this Annual Report.
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Independensi Independency
Komite Nominasi dan Remunerasi berkomitmen untuk menjaga The Nomination and Remuneration Committee is committed to
independensi dalam menjalankan tugas dan tanggung jawabnya maintain independence in carrying out its duties and responsibilities
guna memastikan tidak adanya benturan kepentingan atau to ensure there is no conflict of interest or intervention from
intervensi dari pihak lain. Komitmen ini dibuktikan melalui other party. This commitment is shown through fulfillment of the
pemenuhan aspek independensi berikut. following aspects of independence.
Yohanes Josavia
Aspek Independensi Inawaty Liza L
Santoso Rachman Jahja
Independency Aspect Handojo Widyasari
Wibowo Ichwan
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 kepengurusan di Bank, Entitas
Anak, maupun perusahaan afiliasi.
Has no management relationship at the Bank, Subsidiaries,
or affiliated companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris,
Direksi, dan/atau sesama anggota komite lainnya.
Has no family relationship with the Board of Commissioners,
Board of Directors, and/or other members of the committee.
Tidak menjabat sebagai pengurus partai politik, pejabat,
dan pemerintah.
Not serving as administrators of political parties, officials,
and government.
√ : Terpenuhi / Fulfilled x: Tidak terpenuhi / Not fulfilled
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Komite Following are the description of duties and responsibilities of the
Nominasi dan Remunerasi. Nomination and Remuneration Committee.
1. Wajib bertindak secara independen dalam melaksanakan tugas 1. Must act independently in carrying out the duties and
dan tanggung jawabnya. responsibilities.
2. Terkait dengan kebijakan nominasi, wajib: 2. Regarding the nomination policy, must:
a. Menyusun dan memberikan rekomendasi mengenai sistem a. Prepare and provide recommendations regarding the
dan prosedur pemilihan dan/atau penggantian anggota system and procedures for selecting and/or replacing
Dewan Komisaris dan/atau anggota Direksi kepada Dewan members of the Board of Commissioners and/or members
Komisaris untuk disampaikan kepada RUPS; of the Board of Directors to the Board of Commissioners to
be submitted to the GMS;
b. Memberikan rekomendasi mengenai calon anggota Dewan b. Provide recommendations regarding prospective members
Komisaris dan/atau calon anggota Direksi kepada Dewan of the Board of Commissioners and/or candidates for
Komisaris untuk disampaikan kepada RUPS; members of the Board of Directors to the Board of
Commissioners to be submitted to the GMS;
c. Memberikan rekomendasi mengenai pihak independen c. Provide recommendations regarding independent parties
yang akan menjadi anggota Komite Audit serta anggota who will become members of the Audit Committee and
Komite Pemantau Risiko kepada Dewan Komisaris; serta members of the Risk Monitoring Committee to the Board of
Commissioners; and
d. Menyusun mekanisme dan melakukan penilaian kinerja d. Developing mechanisms and assessing the performance of
Dewan Komisaris dan Direksi. the Board of Commissioners and Board of Directors.
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3. Terkait dengan kebijakan remunerasi wajib: 3. Regarding the remuneration policy, must:
a. Melakukan evaluasi terhadap kebijakan remunerasi a. Evaluate the remuneration policy based on performance,
yang didasarkan atas kinerja, risiko, kewajaran dengan risk, fairness with peer group, goals, and long-term strategy
peer group, sasaran, dan strategi jangka panjang Bank, of the Bank, fulfillment of reserves as stipulated in the laws
pemenuhan cadangan sebagaimana diatur dalam and regulations and potential income of the Bank in the
peraturan perundang-undangan dan potensi pendapatan future;
Bank pada masa yang akan datang;
b. Menyampaikan hasil evaluasi dan rekomendasi kepada b. Deliver evaluation results and recommendations to the
Dewan Komisaris mengenai: Board of Commissioners regarding;
1) Kebijakan remunerasi bagi Dewan Komisaris dan 1) Remuneration policy for the Board of Commissioners
Direksi untuk disampaikan kepada RUPS; and Board of Directors to be submitted to the GMS;
2) Kebijakan remunerasi bagi pegawai secara 2) Overall remuneration policy for employees to be
keseluruhan untuk disampaikan kepada Direksi; submitted to the Board of Directors;
c. Memastikan bahwa kebijakan remunerasi telah sesuai c. Ensure that the remuneration policy complies with the
dengan ketentuan; serta provisions; and
d. Melakukan evaluasi secara berkala terhadap penerapan d. Conduct periodic evaluations of the implementation of
kebijakan remunerasi. remuneration policy.
Wewenang Authority
Komite Nominasi dan Remunerasi memiliki wewenang untuk The Nomination and Remuneration Committee has the authority
memperoleh data, dokumen, atau informasi terkait Dewan to obtain data, documents or information related to the Board
Komisaris, Direksi, Pejabat Eksekutif, dan karyawan yang relevan of Commissioners, Board of Directors, Executive Officers, and
dengan pelaksanaan tugasnya. employees that are relevant to the implementation of its duties.
Rapat Meeting
Komite Nominasi dan Remunerasi wajib mengadakan rapat internal The Nomination and Remuneration Committee is required to
setidaknya 1 kali dalam 4 bulan, yang dipimpin oleh Ketua Komite. held internal meeting at least once every 4 months, chaired by
Rapat dianggap sah apabila dihadiri oleh mayoritas anggota komite, the Chairperson of the Committee. The meeting is considered valid
termasuk satu Komisaris Independen dan 1 Pejabat Eksekutif yang if attended by majority members of the committee, including one
membawahi bidang sumber daya manusia atau 1 perwakilan Independent Commissioner and 1 Executive Officer in charge of
karyawan Bank. Sepanjang tahun 2024, Komite Nominasi dan human resources or 1 representative of the Bank’s employees.
Remunerasi telah menyelenggarakan 6 rapat internal dengan Throughout 2024, the Nomination and Remuneration Committee
tingkat kehadiran sebagai berikut. held 6 internal meetings with the following attendance rate.
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Attendance
Name Position Total Meetings Attendance
(%)
Ketua
Inawaty Handojo 6 6 100,00
Chairperson
Anggota
Yohanes Santoso Wibowo 6 6 100,00
Member
Anggota
Josavia Rachman Ichwan 6 6 100,00
Member
Anggota
Liza L. Widyasari 6 6 100,00
Member
Anggota
Jahja 2 1 50,00
Member
Rata-Rata Kehadiran (%)
90,00
Average Attendance (%)
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2024 Annual Report
Informasi mengenai tanggal pelaksanaan, agenda dan materi, serta Information regarding the meeting dates, agendas, and materials,
peserta rapat internal Komite Nominasi dan Remunerasi disajikan as well as the participants of the internal meetings of the Nomination
sebagai berikut. and Remuneration Committee are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI LLW J
10 Januari 2024 Rekomendasi Penunjukan Calon Direktur Bank.
January 10, 2024 Recommendations of Appointment of Prospective Bank Director
23 April 2024 Penilaian Kinerja Dewan Komisaris dan Pelimpahan Kewenangan Besaran
Honorarium Dewan Komisaris dan Besaran Gaji dan Tunjangan Anggota
Direksi Tahun 2024.
April 23, 2024 Performance Assessment of Board of Commissioners and Delegation of
Authority for Amount of Honorarium of Board of Commissioners and Amount
of Salaries and Allowances for Members of Board of Directors in 2024.
16 Mei 2024 Pengangkatan Kembali Dewan Komisaris dan Direksi Periode Tahun 2024-2027.
May 16, 2024 Reappointment of Board of Commissioners and Board of Directors for
the 2024-2027 Period.
13 Juni 2024 Summary Perubahan Struktur Organisasi.
June 13, 2024 Summary of Changes in Organizational Structure
3 September 2024 Struktur Organisasi Human Capital dan Rekomendasi Penambahan Anggota
Komite Nominasi dan Remunerasi.
September 3, 2024 Organization Structure of Human Capital and Recommendation of
Additional Member for Nomination and Remuneration Committee.
30 Desember 2024 Informasi Surat Keputusan Direksi tentang Sistem Kepangkatan Karyawan.
December 30, 2024 Information of Board of Directors Decision regarding the Employee Rank x
System
Keterangan: / Remark:
IH : Inawaty Handojo JRI : Josavia Rachman Ichwan J : Jahja
YSW : Yohanes Santoso Wibowo LLW : Liza L. Widyasari
Laporan Pelaksanaan Kerja Komite Nominasi dan Report on the Work Implementation of
Remunerasi Nomination and Remuneration Committee
Selama tahun 2024, Komite Nominasi dan Remunerasi telah Throughout 2024, the Nomination and Remuneration Committee
menjalankan tugas dan tanggung jawab dengan baik dan has carried out its duties and responsibilities well and professionally,
profesional, yang diuraikan sebagai berikut. as outlined below.
1. Memberikan rekomendasi kepada Dewan Komisaris untuk 1. Providing recommendations to Board of Commissioners on
penunjukan calon Direktur Komersial Banking. appointment of prospective Commercial Banking Director.
2. Mengevaluasi penilaian kinerja Dewan Komisaris serta 2. Evaluating the performance assessment of Board of
pelimpahan kewenangan besaran honorarium Dewan Commissioners and delegation of authority for amount of
Komisaris dan besaran gaji dan tunjangan anggota Direksi honorarium of Board of Commissioners and amount of salaries
tahun 2024. and allowances for members of Board of Directors in 2024.
3. Memberikan rekomendasi kepada Dewan Komisaris untuk 3. Providing recommendations of reappointment of Board of
pengangkatan kembali Dewan Komisaris dan Direksi untuk Commissioners and Board of Directors for the 2024-2027
periode tahun 2024-2027. period.
4. Memberikan rekomendasi untuk penambahan keanggotaan 4. Providing recommendations of additional member for
Komite Nominasi dan Remunerasi. Nomination and Remuneration Committee.
5. Memberikan masukan dan arahan atas beberapa hal yang 5. Providing inputs and directives on several matters made into
menjadi agenda pembahasan. discussion agenda.
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko berperan dalam menjaga stabilitas dan The Risk Monitoring Committee has a role to maintain the
keberlanjutan operasional Bank dengan mengawasi manajemen stability and sustainability of Bank’s operations by monitoring
risiko. Tugas utama komite ini mencakup identifikasi, evaluasi, the risk management. The main duty of this committee includes
pemantauan berbagai risiko yang dihadapi oleh Bank, serta identification, evaluation, monitoring of various risks faced by
memastikan bahwa strategi risiko telah diterapkan dengan efektif. the Bank, as well as ensuring that the risk strategies have been
effectively implemented.
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Tata Kelola Perusahaan
Corporate Governance
Pedoman Kerja Charter
Komite Pemantau Risiko menjalankan fungsinya sesuai dengan The Risk Monitoring Committee carries out its functions in line with
ketentuan dalam Pedoman dan Tata Tertib Kerja Komite Pemantau the provisions in the Risk Monitoring Committee Charter, which was
Risiko yang disahkan pada 26 Januari 2024. approved on January 26, 2024.
Komposisi Composition
Berikut informasi mengenai komposisi Komite Pemantau Risiko Following is the information on the composition of the Risk
selama tahun 2024. Monitoring Committee throughout 2024.
Dasar Hukum Periode
Nama Jabatan Pengangkatan Jabatan Keahlian Keterangan
Name Position Legal Basis of Term of Expertise Remark
Appointment Office
Inawaty Handojo Ketua Surat Keputusan Direksi 2024-2027 Perbankan, Tata Kelola, Komisaris Utama
Chairperson No. SK/DIR/048/0724 tanggal Manajemen Risiko, Assurance, Independen
2 Juli 2024 tentang Anggota dan Pengendalian Kepatuhan.
Komite Pemantau Risiko Banking, Governance, Independent President
PT Bank Ina Perdana Tbk. Risk Management, Assurance, Commissioner
Board of Directors Decision dan Compliance Control
No. SK/DIR/048/0724 dated
Ivan Purnama Sanoesi Anggota July 2, 2024 on the Members Manajemen Risiko dan Pihak Independen
Member of the Risk Monitoring Akuntansi
Committee of PT Bank Ina Risk Management and Independent Party
Perdana Tbk. Accounting
Jacobus Sindu Adisuwono Anggota Akuntansi dan Perbankan Pihak Independen
Member Accounting and Banking Independent Party
Profil Profile
Profil anggota Komite Pemantau Risiko telah diungkapkan pada The profiles of members of Risk Monitoring Committee have been
Bab Profil Perusahaan di dalam Laporan Tahunan ini. disclosed in the Company Profile Chapter of this Annual Report.
Independensi Independency
Komite Pemantau Risiko berkomitmen untuk menjaga The Risk Monitoring Committee is committed to maintain
independensi dalam menjalankan tugas dan tanggung jawabnya independence in carrying out its duties and responsibilities to
guna memastikan tidak adanya benturan kepentingan atau ensure there is no conflict of interest or intervention from other
intervensi dari pihak lain. Komitmen ini dibuktikan melalui party. This commitment is shown through the fulfillment of the
pemenuhan aspek independensi berikut. following aspects of independence.
Aspek Independensi Ivan Purnama Jacobus Sindu
Inawaty Handojo
Independency Aspect Sanoesi Adisuwono
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 kepengurusan di Bank, Entitas Anak, maupun perusahaan afiliasi.
Has no management relationship at the Bank, Subsidiaries, or affiliated companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama
anggota komite lainnya.
Has no family relationship with the Board of Commissioners, Board of Directors, and/or
other members of the committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Not serving as administrators of political parties, officials, and government.
√ : Terpenuhi / Fulfilled x: Tidak terpenuhi / Not fulfilled
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2024 Annual Report
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Komite Following are the description of duties and responsibilities of
Pemantau Risiko. the Risk Monitoring Committee.
1. Bertindak secara independen dalam melaksanakan tugas dan 1. To act independently in carrying out duties and responsibilities.
tanggung jawabnya.
2. Membantu dan memberikan rekomendasi kepada Dewan 2. To assist and provide recommendations to the Board of
Komisaris dalam rangka meningkatkan efektivitas pelaksanaan Commissioners in order to improve the effectiveness of
tugas pengawasan dan tanggung jawab di bidang manajemen implementation of supervisory duties and responsibilities in
risiko. the field of risk management.
3. Mengevaluasi kesesuaian antara kebijakan manajemen risiko 3. To evaluate the conformity between risk management policies
dengan pelaksanaan kebijakan Bank. and the implementation of Bank policies.
4. Memantau dan mengevaluasi pelaksanaan tugas Komite 4. To monitor and evaluate the implementation of duties of Risk
Manajemen Risiko dan Satuan Kerja Manajemen Risiko. Management Committee and Risk Management Work Unit.
5. Melakukan penelaahan atas efektivitas penerapan manajemen 5. To review effectiveness of risk management implementation in
risiko baik dari sisi identifikasi, pengukuran, pemantauan, dan terms of identification, measurement, monitoring, and control.
pengendaliannya.
6. Menelaah tingkat kepatuhan Bank terhadap peraturan 6. To review the Bank’s compliance level with the applicable
perundang-undangan yang berlaku terkait dengan penerapan laws and regulations related to the implementation of risk
manajemen risiko dan memastikan bahwa laporan-laporan management and to ensure that reports related to the
terkait dengan penerapan manajemen risiko yang disampaikan implementation of risk management are submitted to the
kepada instansi terkait telah dilakukan dengan benar dan relevant agencies correctly and timely.
tepat waktu.
7. Mengevaluasi kebijakan atau keputusan yang telah diambil 7. To evaluate policies or decisions taken by the Board of Directors
oleh Direksi atau Dewan Komisaris terkait dengan penerapan or the Board of Commissioners related to the implementation
manajemen risiko. of risk management.
8. Menjaga kerahasiaan dokumen, data, dan informasi Bank. 8. To maintain confidentiality of documents, data, and information
of the Bank.
9. Wajib mematuhi Pedoman dan Tata Tertib Kerja Komite 9. Must comply with the Risk Monitoring Committee Charter.
Pemantau Risiko.
Wewenang Authority
Berikut wewenang yang dimiliki Komite Pemantau Risiko Bank INA. Following is the authority of Bank INA’s Risk Monitoring Committee.
1. Memperoleh informasi yang diperlukan dan dapat 1. Obtaining necessary information and communicating directly
berkomunikasi langsung dengan karyawan, termasuk Direksi, with employees, including the Board of Directors, and parties
dan pihak yang menjalankan fungsi audit internal, manajemen carrying out the functions of internal audit, risk management,
risiko, dan akuntan publik terkait tugas dan tanggung jawab and public accountant regarding the duties and responsibilities
Komite Pemantau Risiko. of the Risk Monitoring Committee.
2. Melibatkan pihak independen di luar anggota Komite Pemantau 2. Involving independent parties outside the Risk Monitoring
Risiko yang diperlukan untuk membantu pelaksanaan tugasnya Committee members required to assist in carrying out its duties
(jika diperlukan). (if needed).
3. Melakukan kewenangan lain yang diberikan oleh Dewan 3. Carrying out other authorities granted by the Board of
Komisaris. Commissioners.
Rapat Meeting
Komite Pemantau Risiko wajib mengadakan rapat internal secara The Risk Monitoring Committee is required to held internal meetings
berkala sesuai kebutuhan, dengan frekuensi paling sedikit satu periodically as needed, with a minimum frequency of at least
kali dalam setiap bulan, yang dipimpin oleh Ketua Komite. Rapat once every month, chaired by the Chairperson of the Committee.
dianggap sah apabila dihadiri oleh paling sedikit 51% dari jumlah Meetings are considered valid if attended by at least 51% of total
anggota komite, termasuk 1 Komisaris Independen dan 1 Pihak committee members, including 1 Independent Commissioner
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Tata Kelola Perusahaan
Corporate Governance
Independen. Sepanjang tahun 2024, Komite Pemantau Risiko telah and 1 Independent Party. Throughout 2024, the Risk Monitoring
melaksanakan rapat sebanyak 12 kali, dengan tingkat kehadiran Committee held 12 meetings, with the following attendance rates.
sebagai berikut.
Persentase
Nama Jabatan Jumlah Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Ketua
Inawaty Handojo 12 12 100,00
Chairperson
Anggota
Ivan Purnama Sanoesi 12 12 100,00
Member
Anggota
Jacobus Sindu Adisuwono 12 12 100,00
Member
Rata-Rata Kehadiran (%)
100,00
Average Attendance (%)
Informasi mengenai tanggal pelaksanaan, agenda dan materi, Information regarding the meeting dates, agendas, and materials,
serta peserta rapat internal Komite Pemantau Risiko disajikan as well as the participants of the internal meetings of the Risk
sebagai berikut. Monitoring Committee are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH IPS JSA
24 Januari 2024 Profil Risiko Bank Triwulan IV 2023.
January 24, 2024 Bank Risk Profile of Fourth Quarter 2023.
4 Maret 2024 Update terkait Permasalahan Corebanking.
March 4, 2024 Update on Core Banking issue.
20 Maret 2024 Tindak Lanjut atas Permasalahan Core Banking.
March 0, 2024 Follow-Up on Core Banking Issues.
• Self-Assessment Digital Maturity;
• Tata Kelola Perusahaan; serta
30 April 2024 • Profil Risiko Triwulan I 2024.
April 30, 2024 • Digital Maturity Self-Assessment;
• Corporate Governance; and
• Risk Profile of First Quarter 2024.
27 Mei 2024 Risk Dashboard.
May 27, 2024 Risk Dashboard.
• Strategi Anti-Fraud;
• Conventional Transaction Analyst;
• Penetration Test; serta
14 Juni 2024 • Digital Banking Report.
June 14, 2024 • Anti-Fraud Strategy;
• Conventional Transaction Analyst;
• Penetration Test; and
• Digital Banking Report.
• Rekap Deviasi 2023 dan 2024; serta
23 Juli 2024 • Profil Risiko Triwulan II 2024.
July 23, 2024 • Deviation Recap 2023 and 2024; and
• Risk Profile of Second Quarter 2024.
• Laporan Pelaksanaan Fungsi Kepatuhan; serta
26 Agustus 2024 • Profil Risiko.
August 26, 2024 • Report of Implementation of Compliance Function; and
• Risk Profile.
• Penjelasan atas Hasil Pemeriksaan Pajak 2019;
• Penjelasan Main Activity Divisi Credit Control & Monitoring; serta
13 September 2024 • Perlindungan Konsumen.
September 13, 2024 • Explanation of 2019 Tax Audit Results;
• Explanation of Main Activity of Credit Control & Monitoring Division; and
• Consumer Protection.
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2024 Annual Report
Kehadiran
Tanggal Attendance
Agenda
Date
IH IPS JSA
• Tindak Lanjut Pemenuhan KHP Perlindungan Konsumen;
• Laporan Rencana Recovery dan Rencana Resolusi; serta
23 Oktober 2024 • Laporan Risk Profile Periode Triwulan III 2024.
October 23, 2024 • Follow-Up on Fulfillment of Requirements of Customer Protection KHP;
• Report of Recovery Plan and Resolution Plan; and
• Report of Risk Profile of Third Quarter 2024.
• Progress Implementasi Perlindungan Data Pribadi;
• Progress Implementasi Unit Anti-Fraud; serta
25 November 2024 • Pemenuhan Pengawasan Dewan Komisaris dan Komite.
November 25, 2024 • Progress of Implementation of Personal Data Protection;
• Progress of Implementation of Anti-Fraud Unit; and
• Fulfillment of Supervision of Board of Commissioners and Committee.
Keterangan: / Remark:
IH : Inawaty Handojo IPS : Ivan Purnama Sanoesi JSA : Jacobus Sindu Adisuwono
Laporan Pelaksanaan Kerja Komite Pemantau Risk Monitoring Committee’s Work
Risiko Implementation Report
Selama tahun 2024, Komite Pemantau Risiko telah menjalankan Throughout 2024, the Risk Monitoring Committee has carried out
tugas dan tanggung jawab dengan baik dan profesional, yang its duties and responsibilities well and professionally, as outlined
diuraikan sebagai berikut. below.
1. Melakukan evaluasi terhadap Laporan Profil Risiko dan Tingkat 1. Evaluating the Bank’s Risk Profile Report and Soundness Level.
Kesehatan Bank.
2. Memantau penerapan manajemen risiko dalam rangka 2. Monitoring the implementation of risk management in
Rencana Aksi Keuangan Berkelanjutan. the framework of Sustainable Finance Action Plan.
3. Memantau dampak pandemi Covid-19 terhadap risiko kredit. 3. Monitoring the impact of the Covid-19 pandemic on credit risk.
4. Melakukan evaluasi atas penerapan manajemen risiko 4. Evaluating the implementation of risk management in
dibandingkan dengan kebijakannya. comparison with the policies.
5. Melakukan evaluasi atas pelaksanaan stress test risiko pasar, 5. Evaluating the stress test for market risk, liquidity risk,
likuiditas, dan risiko kredit. and credit risk.
6. Melakukan evaluasi pelaksanaan tugas Satuan Kerja 6. Evaluating the implementation of duties of Risk Management
Manajemen Risiko. Work Unit.
Komite Pendukung Direksi
Board of Directors Supporting Committee
Komite pendukung Direksi dibentuk untuk meningkatkan The Board of Directors supporting committee is established
efektivitas pelaksanaan tugas dan tanggung jawab Direksi. to improve the effectiveness of implementation of duties and
Komite ini terdiri dari Komite Manajemen Risiko, Komite Kredit, responsibilities of the Board of Directors. This committee consists
Komite Kebijakan Perkreditan, Assets Liability Committee (ALCO), of Risk Management Committee, Credit Committee, Credit Policy
Komite Pengarah Teknologi Informasi, dan Komite Produk. Committee, Assets Liability Committee (ALCO), Information
Technology Steering Committee, and Product Committee.
Komite Manajemen Risiko
Risk Management Committee
Komite Manajemen Risiko berperan dalam mengidentifikasi,
menganalisis, dan mengelola risiko yang dapat memengaruhi The Risk Management Committee plays a role in identifying,
kinerja serta keberlangsungan Bank. Komite ini bertugas analyzing, and managing risks that may affect the Bank’s
merumuskan kebijakan dan strategi mitigasi risiko secara performance and continuation. This committee is in charge of
menyeluruh serta memastikan bahwa seluruh aktivitas operasional formulating the overall risk mitigation policies and strategies,
sesuai dengan standar manajemen yang berlaku. as well as ensuring that all of the operational activities are in
accordance with the applicable management standards.
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Tata Kelola Perusahaan
Corporate Governance
Pedoman Kerja Charter
Komite Manajemen Risiko menjalankan tugas dan tanggung The Risk Management Committee carries out its duties and
jawabnya berdasarkan Peraturan Otoritas Jasa Keuangan responsibilities based on the Financial Services Authority
No. 18/POJK.03/2016 tanggal 22 Maret 2016 tentang Penerapan Regulation No. 18/POJK.03/2016 dated March 22, 2016 on
Manajemen Risiko bagi Bank Umum serta Surat Edaran Otoritas the Implementation of Risk Management for Commercial Banks
Jasa Keuangan No. 34/SEOJK.03/2016 tanggal 1 September 2016. and the Financial Services Authority Circular No. 34/SEOJK.03/2016
dated September 1, 2016.
Komposisi Keanggotaan Membership Composition
Komposisi keanggotaan Komite Manajemen Risiko ditetapkan The membership composition of Risk Management Committee
berdasarkan Surat Keputusan Direksi No. SK/DIR/063/1221 tentang is established based on the Board of Directors’ Decision Letter
Susunan Keanggotaan Komite Manajemen Risiko, dengan susunan No. SK/DIR/063/1221 on the Composition of Risk Management
keanggotaan sebagai berikut. Committee, with the following membership composition.
Ketua
Direktur Manajemen Risiko dan Kepatuhan Director of Risk Management and Compliance
Chairperson
• Direktur Utama • President Director
• Direktur Keuangan • Director of Finance
• Direktur Bisnis Retail dan Jaringan • Director of Retail Business and Network
• Wakil Direktur Utama • Vice President Director
• Direktur Komersial Banking • Director of Commercial Banking
• Kepala Divisi Manajemen Risiko • Head of Risk Management Division
• Kepala Divisi Network & Branch Development • Head of Network & Branch Development Division
• Kepala Divisi Komersial Banking • Head of Commercial Banking Division
• Kepala Divisi Branch Operation & Control Unit • Head of Branch Operation & Control Unit Division
Anggota Tetap
• Kepala Satuan Kerja Remedial & Special Asset Management • Head of Remedial & Special Asset Management Division
Permanent Members • Kepala Divisi Audit Internal • Head of Internal Audit Division
• Kepala Departemen Legal • Head of Legal Department
• Kepala Divisi Kredit Review • Head of Credit Review Division
• Kepala Divisi Human Capital • Head of Human Capital Division
• Kepala Divisi Credit Administration • Head of Credit Administration Division
• Kepala Divisi Treasury & Financial Institution • Head of Treasury & Financial Institution Division
• Kepala Divisi Operation Development • Head of Operation Development Division
• Kepala Divisi Kepatuhan & APU-PPT • Head of Compliance & AML-CTF Division
• Kepala Divisi Digital Governance • Head of Digital Governance Division
Independensi Independency
Komite Manajemen Risiko berkomitmen untuk menjunjung tinggi The Risk Management is committed to uphold independency
independensi dalam melaksanakan tugas dan tanggung jawabnya. in carrying out its duties and responsibilities. This commitment
Komitmen ini memastikan tidak adanya benturan kepentingan ensure there is no conflict of interest or intervention from any party
atau intervensi dari pihak mana pun serta menjaga objektivitas dan and maintaining objectivity and prudence in the decision making.
kehati-hatian dalam pengambilan keputusan.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut tugas dan tanggung jawab dari Komite Manajemen Risiko. Following are the duties and responsibilities of the Risk Management
Committee.
1. Penyusunan Kebijakan Manajemen Risiko serta perubahannya, 1. To formulate Risk Management Policy and its changes,
termasuk strategi manajemen risiko, tingkat risiko yang diambil including risk management strategy, level of risk taken and risk
dan toleransi risiko, kerangka manajemen risiko serta rencana tolerance, risk management framework and contingency plans
kontinjensi untuk mengantisipasi terjadinya kondisi tidak normal. to anticipate abnormal conditions.
2. Penyempurnaan proses manajemen risiko secara berkala 2. To improve risk management process periodically or
maupun bersifat insidental sebagai akibat dari suatu perubahan incidentally as a result of a change in the Bank’s external and
kondisi eksternal dan internal Bank yang memengaruhi internal conditions that affect capital adequacy, the Bank’s risk
kecukupan permodalan, profil risiko Bank, dan tidak efektifnya profile, and the ineffective implementation of risk management
penerapan manajemen risiko berdasarkan hasil evaluasi. based on evaluation results.
3. Penetapan kebijakan dan/atau keputusan bisnis yang 3. To determine policies and/or business decisions that deviate
menyimpang dari prosedur normal, seperti pelampauan from normal procedures, such as significant excess business
ekspansi usaha yang signifikan dibandingkan dengan expansion compared to the Bank’s predetermined business
rencana bisnis Bank yang telah ditetapkan sebelumnya atau plan or taking a position or risk exposure that exceeds a
pengambilan posisi atau eksposur risiko yang melampaui limit predetermined limit.
yang telah ditetapkan.
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2024 Annual Report
Rapat Meeting
Sepanjang tahun 2024, Komite Manajemen Risiko telah Throughout 2024, the Risk Management Committee held 4 meetings
menyelenggarakan 4 rapat dengan agenda sebagai berikut. with the following agenda.
Tanggal
Agenda
Date
22 Agustus 2024 • Laporan Profil Risiko Triwulan II 2024; • Risk Profile Report of Second Quarter 2024;
August 22, 2024 • Penambahan Parameter Risiko Operasional; serta • Additional Operational Risk Parameter; and
• Sosialisasi Surat dari Bank Indonesia terkait Judi Online oleh • Socialization of Bank Indonesia Letter regarding Online
Divisi Kepatuhan. Gambling by Compliance Division.
30 September 2024 • Progress Penerapan Perlindungan Konsumen (Kepatuhan); • Progress of Implementation of Consumer Protection
September 30, 2024 (Compliance);
• Usulan Risk Appetite & Risk Tolerance (Manajemen Risiko); serta • Proposal of Risk Appetite & Risk Tolerance (Risk Management);
and
• Usulan Perubahan Parameter Perhitungan CKPN (Manajemen • Proposal of Change on CKPN Calculation Parameter
Risiko). (Risk Management).
22 Oktober 2024 Laporan Rencana Recovery dan Rencana Resolusi (Manajemen Report of Recovery Plan and Resolution Plan (Risk Management).
October 22, 2024 Risiko).
12 Desember 2024 • Usulan Risk Appetite; serta • Proposal of Risk Appetite; and
December 12, 2024 • Pengkinian Kebijakan dan Pedoman Manajemen Risiko Pasar. • Updating of Policies and Guidelines of Market Risk
Management.
Realisasi Program Kerja Tahun 2024 Realization of the 2024 Work Program
Selama tahun 2024, Komite Manajemen Risiko telah menjalankan Throughout 2024, the risk Management Committee has carried out
tugas dan tanggung jawab dengan baik dan profesional, yang its duties and responsibilities well and professionally, as outlined
diuraikan sebagai berikut. below.
1. Melakukan evaluasi terhadap arah dan sasaran Bank dalam 1. Evaluating the direction and goals of the Bank in formulating
penyusunan kebijakan, strategi, dan pedoman penerapan policies, strategies, and guidelines for implementing risk
manajemen risiko serta perubahannya. management and their changes.
2. Melakukan pemantauan terhadap perkembangan dan 2. Monitoring the development and trend of total risk exposure of
kecenderungan eksposur risiko total Bank, serta menyampaikan the Bank, as well as proposing an acceptable level of overall risk
usulan tingkat toleransi risiko keseluruhan (risk appetite) yang tolerance (risk appetite).
dapat diterima.
3. Mengkaji total eksposur risiko yang dihadapi Bank beserta 3. Reviewing the total risk exposure faced by the Bank and its
dampaknya. impact.
4. Melakukan penilaian terhadap kecukupan modal Bank dalam 4. Assessing the Bank’s capital adequacy in facing the risk of
menghadapi risiko kerugian yang timbul melalui berbagai losses that arise using various stress testing scenarios.
skenario stress testing.
5. Mengembangkan metode-metode pengukuran risiko, 5. Developing risk measurement methods, contingency plan
rencana-rencana kontingensi untuk kondisi tidak normal under abnormal conditions (worst case scenario), as well as
(worst case scenario), serta metode-metode lain yang berkaitan other methods related to the Bank’s risk management.
dengan manajemen risiko Bank.
6. Melakukan kajian terhadap justifikasi penetapan keputusan 6. Reviewing the justification related to business decisions that
bisnis yang menyimpang dari prosedur normal (irregularities). deviate from normal procedures (irregularities).
7. Melakukan kajian terhadap rencana dan implementasi 7. Reviewing the plans and implementation of issuance and/or
penerbitan dan/atau perubahan ketentuan/kebijakan dari amendments to provisions/policies from the competent
otoritas yang berwenang. authorities.
Program Kerja Tahun 2025 2025 Work Program
Program kerja Komite Manajemen Risiko untuk tahun 2025, yaitu The Risk Management Committee work program for 2025 is holding
melaksanakan Rapat Komite Manajemen Risiko sekurang-kurangnya the Risk Management Committee Meeting at least 4 times a year.
4 kali dalam setahun.
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Tata Kelola Perusahaan
Corporate Governance
Komite Kredit Credit Committee
Komite Kredit berperan dalam pengambilan keputusan terkait The Credit Committee is has a role to the decision making related
kredit dan manajemen portofolio kredit. Tugas utama komite ini to credit and credit portfolio management. The main duty of this
adalah meliputi evaluasi dan persetujuan proposal kredit, analisa committee include evaluation and approval of credit proposal,
kelayakan peminjam, serta penetapan kredit yang sesuai dengan analyzing eligibility of borrower, and aligning credit approval with
profil risiko Bank. Bank’s risk profile.
Pedoman Kerja Charter
Komite Kredit menjalankan tugas dan tanggung The Credit Committee carrying out its duties and responsibilities
jawabnya berdasarkan Peraturan Otoritas Jasa Keuangan based on the Financial Services Authority Regulation
No. 42/POJK.03/2017 tentang Kewajiban Penyusunan dan No. 42/POJK.03/2017 on Obligations for the Preparation
Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank bagi and Implementation of Credit or Bank Financing Policies for
Bank Umum, Standar Operasional Prosedur (SOP) No. 110 tentang Commercial Banks, Standard Operating Procedure (SOP) No. 110
Proses Keputusan Pemberian Kredit oleh Komite Kredit, Surat on the Credit Granting Decision Process by the Credit Committee,
Keputusan Direksi No. SK/DIR/059/1221 tanggal 1 Desember Board of Directors’ Decision Letter No. SK/DIR/059/1221 dated
2021 tentang Kewenangan Komite Kredit dalam memberikan December 1, 2021 on the Authority of the Credit Committee in
Persetujuan Kredit, serta peraturan terkait lainnya. granting Credit Approval, as well as other relevant regulations.
Komposisi Keanggotaan Membership Composition
Komposisi keanggotaan Komite Kredit ditetapkan berdasarkan Membership composition of Credit Committee is established
Surat Keputusan Direksi No. SK/DIR/059/1221 tentang Kewenangan based on Board of Directors’ Decision No. SK/DIR/059/1221 on
Komite Kredit dalam memberikan Persetujuan Kredit, dengan the Authority of Credit Committee in granting Credit Approval,
susunan keanggotaan sebagai berikut. with the following membership composition.
Ketua
Direktur Utama President Director
Chairperson
Wakil Ketua
Direktur Komersial Banking Director of Commercial Banking
Vice Chairperson
• Direktur Keuangan • Director of Finance
Anggota Tetap • Direktur Bisnis Retail dan Jaringan • Director of Retail Business and Network
Permanent Members • Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
• Kepala Divisi Kredit Review • Head of Credit Review Division
• Kepala Divisi Komersial Banking • Head of Commercial Banking Division
• Kepala Divisi Manajemen Risiko • Head of Risk Management Division
• Kepala Divisi Operation Development • Head of Operation Development Division
Anggota Tidak Tetap • Kepala Divisi Audit Internal • Head of Internal Audit Division
• Kepala Departemen Legal • Head of Legal Department
Non-Permanent • Kepala Divisi Satuan Kerja Remedial & Special Asset Management • Head of Remedial & Special Asset Management Division
Members • Kepala Divisi Credit Administration • Head of Credit Administration Division
• Kepala Divisi Kepatuhan dan APU-PPT • Head of Compliance and AML-CTF Division
• Pemimpin Kantor Cabang • Head of Branch Office
• Undangan Lainnya jika diperlukan • Other Invitations if needed
Independensi Independency
Komite Kredit berkomitmen untuk menjunjung tinggi independensi The Credit Committee is committed to uphold independency
dalam melaksanakan tugas dan tanggung jawabnya. Komitmen in carrying out its duties and responsibilities. This commitment
ini bertujuan untuk memastikan bahwa tidak terjadi benturan ensures that there is no conflict of interest or pressure from any
kepentingan atau tekanan dari pihak manapun. party.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Komite Kredit. Following are the description of duties and responsibilities of
the Credit Committee.
1. Memberikan persetujuan atau penolakan permohonan kredit 1. To approve or reject credit applications of certain types and
untuk jenis dan jumlah tertentu. amounts.
2. Melaksanakan tugas dalam kaitannya dengan pemberian 2. To perform duties in relation to granting credit approval
persetujuan kredit serta usulan pemberian kredit berdasarkan and proposals for granting credit based on expertise in a
keahlian secara profesional, jujur, objektif, serta cermat dan akurat. professional, honest, objective, careful, and accurate manner.
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3. Menolak permohonan dan atau pengaruh pihak-pihak yang 3. To refuse requests and/or influence of parties with an interest
berkepentingan dengan pemohon kredit untuk memberikan in credit applicants to provide credit approval that is only a
persetujuan kredit yang hanya bersifat formalitas. formality.
4. Memastikan bahwa fasilitas kredit yang akan disetujui 4. To ensure that the credit facility to be approved complies with
telah memenuhi aturan-aturan umum perbankan dan telah general banking rules and meets sound credit principles and
memenuhi asas-asas perkreditan yang sehat dan berpedoman is guided by credit policies.
kepada kebijakan perkreditan.
5. Memastikan bahwa pemberian kredit telah didasarkan pada 5. To ensure that credit is granted based on an honest, objective,
penilaian yang jujur, objektif, cermat dan akurat, serta tidak careful, and accurate assessment, and is not influenced
terpengaruh dengan pihak-pihak yang berkepentingan dengan by parties who have an interest in the credit applicant.
pemohon kredit.
Mekanisme Persetujuan Kredit Credit Approval Mechanism
1. Persetujuan Komite Kredit pada prinsipnya dapat dilakukan 1. Credit Committee approval in principle can be done in the form
dalam bentuk Rapat Komite Kredit di antara para anggota, baik of Credit Committee Meetings among members, either through
melalui sirkulasi dokumentasi kredit atau presentasi. circulation of credit documentation or presentations.
2. Setiap permohonan kredit yang diputuskan harus disetujui 2. Every credit application that is decided must be unanimously
oleh semua anggota Komite Kredit secara bulat (quorum). approved by all members of the Credit Committee (quorum).
3. Hasil analisis dan keputusan kredit harus dituangkan dalam 3. The results of credit analysis and decisions must be recorded
formulir Catatan Keputusan Komite Kredit atau Hasil Rapat in the form of Credit Committee Decision Notes or Credit
Komite Kredit. Committee Meeting Results.
4. Proses persetujuan kredit ditujukan untuk memberikan 4. The credit approval process is aimed at providing the best
pelayanan yang terbaik, namun tanpa mengabaikan prinsip service, but without ignoring the bank’s prudent principles
kehati-hatian bank (prudential banking). (prudential banking).
5. Setiap permohonan kredit baru, tambahan, pengurangan, 5. Each new credit application, addition, reduction, extension,
perpanjangan dan perubahan persyaratan kredit harus and change of credit terms must be submitted in writing and
diajukan secara tertulis dan ditandatangani oleh pejabat yang signed by an authorized official.
berwenang.
Rapat Meeting
Sepanjang tahun 2024, Komite Kredit telah melaksanakan rapat Throughout 2024, the Credit Committee held 7 meetings, with the
sebanyak 7 kali, dengan agenda sebagai berikut. following agenda.
Tanggal
Agenda
Date
17 Januari 2024
Diskusi Pengajuan Proposal Kredit. Discussion of Credit Proposal Submission.
January 17, 2024
22 Januari 2024
Diskusi Pengajuan Proposal Kredit. Discussion of Credit Proposal Submission.
January 22, 2024
3 Mei 2024
Diskusi Pengajuan Proposal Kredit. Discussion of Credit Proposal Submission.
May 3, 2024
20 Juni 2024
Diskusi Pengajuan Proposal Kredit. Discussion of Credit Proposal Submission.
June 20, 2024
18 Juli 2024
Diskusi Pengajuan Proposal Kredit. Discussion of Credit Proposal Submission.
July 18, 2024
5 Agustus 2024
Diskusi Pengajuan Proposal Kredit. Discussion of Credit Proposal Submission.
August 5, 2024
29 Agustus 2024
Diskusi Pengajuan Proposal Kredit. Discussion of Credit Proposal Submission.
August 29, 2024
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Tata Kelola Perusahaan
Corporate Governance
Realisasi Program Kerja Tahun 2024 Realization of the 2024 Work Program
Selama tahun 2024, Komite Kredit telah menjalankan tugas dan Throughout 2024, the Credit Committee has carried out its duties
tanggung jawab dengan baik dan profesional, yang diuraikan and responsibilities well and professionally, as outlined below.
sebagai berikut.
1. Melakukan rapat Komite Kredit untuk memutuskan persetujuan 1. Conducting Credit Committee’s meetings to decide on approval
proposal kredit/seminar bisnis. of credit proposals/business seminar.
2. Melakukan persetujuan proposal kredit secara sirkulasi. 2. Approving credit proposals in circulation.
Program Kerja Tahun 2025 2025 Work Program
Program kerja Komite Kredit untuk tahun 2025 diuraikan sebagai The Credit Committee work program for 2025 is outlined as follows.
berikut.
1. Melakukan rapat Komite Kredit untuk memutuskan persetujuan 1. Holding Credit Committee meeting to decide on the approval of
proposal kredit. credit proposal.
2. Melakukan persetujuan proposal kredit secara sirkulasi. 2. Approving credit proposals by circulation.
Komite Kebijakan Perkreditan Credit Policy Committee
Komite Kebijakan Perkreditan berperan dalam membantu The Credit Policy Committee is assisting the Board of Directors
Direksi merumuskan kebijakan, mengawasi pelaksanaannya, in formulating credit policies, supervising its implementation,
memantau perkembangan serta kondisi portofolio perkreditan, monitoring the development and condition of credit portfolio, and
dan memberikan rekomendasi perbaikan kebijakan guna mencapai providing recommendation to improve the policies to achieve the
target perkreditan yang prudent. prudent credit target.
Pedoman Kerja Charter
Pedoman kerja Komite Kebijakan Perkreditan mengacu pada The Credit Policy Committee Charter refers to Financial Services
Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2017 tentang Authority Regulation No. 42/POJK.03/2017 on Obligation to
kewajiban Penyusunan dan Pelaksanaan Kebijakan Perkreditan Formulate and Implement Credit or Bank Financing Policies
atau Pembiayaan Bank bagi Bank Umum, serta Surat Keputusan for Commercial Banks, and Board of Directors Decision
Direksi No. SK/DIR/065/1124 tanggal 25 November 2024 tentang No. SK/DIR/065/1124 dated November 25, 2024 on Work Procedure
Tata Kerja dan Keanggotaan Komite Kebijakan Perkreditan Bank. and Membership of the Bank’s Credit Policy Committee.
Komposisi Keanggotaan Membership Composition
Komposisi keanggotaan Komite Kebijakan Perkreditan mengacu The membership composition of the Credit Policy Committee
pada Surat Keputusan Direksi No. SK/DIR/065/1124 tentang Tata refers to Board of Directors Decision No. SK/DIR/065/1124 on
Kerja dan Keanggotaan Komite Kebijakan Perkreditan (KKP), Work Procedure and Membership of Credit Policy Committee (KKP),
dengan komposisi keanggotaan sebagai berikut. with the following membership composition.
Ketua
Direktur Utama President Director
Chairperson
Wakil Ketua
Direktur Manajemen Risiko dan Kepatuhan Director of Risk Management and Compliance
Vice Chairperson
Sekretaris
Kepala Divisi Operation Development Head of Operation Development Division
Secretary
• Wakil Direktur Utama • Vice President Director
• Direktur Komersial Banking • Director of Commercial Banking
• Direktur Keuangan • Director of Finance
Anggota Tetap • Group Head Credit • Group Head Credit
Permanent Members • Direktur Bisnis Retail dan Jaringan • Director of Retail Business and Network
• Kepala Divisi Manajemen Risiko • Head of Risk Management Division
• Kepala Divisi Kepatuhan dan APU-PPT • Head of Compliance and AML-CTF Division
• Kepala Divisi Audit Internal • Head of Internal Audit Division
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• Kepala Divisi Corporate Banking • Head of Corporate Banking Division
• Kepala Divisi SME & Commercial Banking • Head of SME & Commercial Banking Division
• Kepala Divisi Transaction Banking • Head of Transaction Banking Division
• Kepala Satuan Kerja Micro Banking • Head of Micro Banking Work Unit
Anggota Tidak Tetap • Kepala Divisi Consumer Loans • Head of Consumer Loans Work Unit
Non-Permanent • Kepala Divisi Digital Solution & Partnership • Head of Digital Solution & Partnership Division
Members • Kepala Departemen Legal • Head of Legal Department
• Kepala Satuan Kerja Remedial & Special Asset Management • Head of Remedial & Special Asset Management Work Unit
• Kepala Divisi Credit Administration • Head of Credit Administration Division
• Kepala unit terkait lainnya yang diundang untuk • Heads of other related units invited to attend the Bank’s
menghadiri rapat Komite Kebijakan Perkreditan Bank Credit Policy Committee’s meeting
Independensi Independency
Komite Kebijakan Perkreditan berkomitmen untuk menjunjung tinggi The Credit Policy Committee is committed to uphold integrity
prinsip independensi dalam melaksanakan tugas dan tanggung principle in carrying out its duties and responsibilities. This
jawabnya. Komitmen ini bertujuan untuk memastikan bahwa tidak commitment ensures that there is no conflict of interest or pressure
terjadi benturan kepentingan atau tekanan dari pihak manapun. from any party.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Komite Following are the description of duties and responsibilities of
Kebijakan Perkreditan. the Credit Policy Committee.
1. Menetapkan arah kebijakan perkreditan Bank yang selaras 1. To establish the direction of the Bank’s credit in alignment with
dengan risk appetite Bank guna mendorong pertumbuhan the risk appetite of the Bank to promote sound credit growth,
kredit yang sehat, dengan tetap memperhatikan prinsip while observing the prudential principles (prudential banking).
kehati-hatian (prudential banking).
2. Mengembangkan Kebijakan Perkreditan Bank (KPB) yang 2. To develop Bank Credit Policy (KPB) that applies to all credit
berlaku untuk seluruh segmen kredit, sejalan dengan visi, misi, segments, in alignment with the vision, mission, and the
dan Rencana Bisnis Bank. Business Plan of the Bank.
3. Memantau dan mengevaluasi penerapan kebijakan perkreditan 3. To monitor and evaluate the implementation of credit policy so
agar dijalankan secara konsisten serta sesuai dengan regulasi that it is carry out consistently and in line with the regulations
yang ditetapkan oleh Bank Indonesia dan Otoritas Jasa established by Bank Indonesia and Financial Services Authority.
Keuangan.
4. Memberikan rekomendasi dan langkah perbaikan berdasarkan 4. To provide recommendations and corrective measures based
hasil pemantauan dan evaluasi kebijakan perkreditan yang on the results of monitoring and evaluation of policy conducted.
telah dilaksanakan.
5. Memastikan dilakukan kajian berkala terhadap KPB 5. To ensure a periodic review of KPB is conducted to ensure
agar tetap relevan dengan perkembangan bisnis serta that it stays relevant with business development and can be
dapat diimplementasikan secara optimal, dengan tetap implemented optimally, while still prioritizing the prudence
mengedepankan prinsip kehati-hatian. principle.
6. Menjamin penerapan prinsip-prinsip GCG dalam kebijakan 6. To guarantee the implementation of GCG principles in the credit
perkreditan, demi kepentingan Bank dan seluruh pemangku policy, for the interests of the Bank and all stakeholders.
kepentingan.
Rapat Meeting
Sepanjang tahun 2024, Komite Kebijakan Perkreditan telah Throughout 2024, the Credit Policy Committee held 2 meetings with
melaksanakan rapat sebanyak 2 kali, dengan agenda sebagai berikut. the following agenda.
Tanggal
Agenda
Date
• Usulan Perubahan Segmentasi dan Limit Kewenangan • Proposal to Change the Segmentation and Limit of Authority
Memutus Kredit pada Direktorat Komersial Banking; to Decide on Credit on Commercial Banking Directorate;
3 September 2024 • Usulan Limit Kewenangan Memutus Counterparty Limit - • Proposal of Limit of Authority to Decide on Counterparty Limit –
September 3, 2024 Financial Institutions; serta Financial Institutions; and
• Usulan Perubahan Ketentuan Persetujuan Dewan Komisaris • Proposal to Change Limit of Credit Approval of the Board of
dalam Perkreditan;. Commissioners.
19 Desember 2024
Pembahasan Draft Kebijakan Perkreditan Bank Versi 2025. Discussion of the 2025 Bank Credit Policy Draft.
December 19, 2024
PT Bank Ina Perdana Tbk 297
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Tata Kelola Perusahaan
Corporate Governance
Realisasi Program Kerja Tahun 2024 Realization of the 2024 Work Program
Selama tahun 2024, Komite Kebijakan Perkreditan telah Throughout 2024, the Credit Policy Committee has carried out its
menjalankan tugas dan tanggung jawab dengan baik dan duties and responsibilities well and professionally, as outlined
profesional, yang diuraikan sebagai berikut. below.
1. Menerbitkan kebijakan terkait perkreditan, termasuk 1. Issuing policies related to credit, including Credit Approval
Kebijakan Manajemen Persetujuan Kredit (BWMK) dan Management Policy (BWMK) and the policy to handle
Kebijakan Penanganan Kredit Bermasalah. Non-Performing Loans.
2. Melakukan tinjauan menyeluruh terhadap Kebijakan 2. Conducting comprehensive review of Bank Credit Policy
Perkreditan Bank (KPB) dengan melibatkan seluruh pemangku (KPB) by involving all relevant stakeholders through focus
kepentingan melalui focus group discussion, serta merumuskan group discussions, as well as formulating regulatory changes,
perubahan ketentuan yang disesuaikan dengan perkembangan adjusted to the business developments and risk appetite of the
bisnis dan risk appetite Bank. Bank.
3. Menerbitkan pedoman terkait perkreditan, antara lain 3. Issuing credit-related guidelines, including the Home
Pedoman Kredit Kepemilikan Rumah (KPR), Pedoman Fasilitas Ownership Loans (KPR) Guideline, Credit Facility Guidelines
Kredit dengan Agunan Tunai (Back to Back Loan), Pedoman with Cash Collateral (Back-to-Back Loan), Financing Guideline
Pembiayaan Pola Kemitraan Inti-Plasma Industri Kelapa Sawit, for Nucleus-Plasma Partnership Model in Palm Oil Industry,
Pedoman Penilaian Jaminan Internal dan Eksternal, Pedoman Internal and External Collateral Valuation Guideline,
Transaksi Trade Finance, Pedoman Kredit Multi Guna (KMG), Trade Finance Transaction Guideline, Multi-purpose Loan
Pedoman INA Ready Cash, Pedoman Kredit dengan Jaminan (KMG) Guideline, INA Ready Cash Guideline, Government
Obligasi Pemerintah (Government Bonds), serta Pedoman Anjak Bond-Backed Loan Guideline, and Factoring Guidelines.
Piutang.
4. Menerbitkan Standar Operasional Prosedur (SOP), termasuk 4. Issuing Standard Operating Procedures (SOPs), including SOP
SOP Proses Kredit - Secured Loan, SOP Proses Kredit Unsecured for Credit Process with Secured Loan, SOP for Credit Process
Loan, serta SOP Penilaian Jaminan Internal dan Eksternal. with Unsecured Loan, and SOP for Internal and External
Collateral Valuation.
5. Memperbarui dan menambahkan ketentuan terkait kredit, 5. Updating and adding provisions related to credit, including
antara lain ketentuan agunan yang diterima Bank dan provisions collateral received by the Bank and the adequacy
kecukupan agunan kredit, ketentuan mengenai kredit of credit collateral, provisions regarding refinancing loans,
refinancing, maksimum nilai Debt Burden Ratio (DBR) pada maximum value of Debt Burden Ratio (DBR) on consumer
debitur konsumer, serta Petunjuk Pelaksanaan Laporan debtors, and Implementation Guidelines for Prospective Debtor
Kunjungan Calon Debitur dan Debitur. and Debtor Visit Reports.
6. Melaksanakan sosialisasi atas ketentuan yang telah 6. Conducting dissemination of published regulations, including
dipublikasikan, termasuk sosialisasi mengenai Pedoman dissemination of Financing Guideline for Nucleus-Plasma
Pembiayaan Pola Kemitraan Inti-Plasma Industri Kelapa Sawit, Partnership Model in Palm Oil Industry, SOP for Credit Process
SOP Proses Kredit - Secured Loan, Pedoman dan SOP Penilaian with Secured Loan, Internal and External Collateral Valuation
Jaminan Internal dan Eksternal, serta Pedoman Fasilitas Kredit Guideline and SOP, and Credit Facility Guidelines with Cash
dengan Agunan Tunai (Back to Back Loan). Collateral (Back-to-Back Loan).
Program Kerja Tahun 2025 2025 Work Program
Program kerja Komite Kebijakan Perkreditan untuk tahun 2025 The Credit Policy Committee work program for 2025 is outlined as
diuraikan sebagai berikut. follows.
1. Menyesuaikan dan menyempurnakan kebijakan, prosedur, 1. Adjusting and refining the credit policies, procedures, and
dan pedoman di bidang perkreditan guna mendukung guidelines to support the development of the business while
perkembangan bisnis dengan tetap menerapkan prinsip implementing the prudence principle.
kehati-hatian.
2. Melengkapi prosedur dan/atau pedoman yang disesuaikan 2. Completing the procedures and/or guidelines tailored to
dengan layanan atau produk. specific services or products.
3. Memastikan unit kerja terkait memahami kebijakan dan 3. Ensuring the relevant work units fully understand the credit
prosedur perkreditan secara menyeluruh. policies and procedures.
4. Meningkatkan kompetensi sumber daya manusia di Divisi 4. Improving the credit-specific competencies of human resources
Operation Development khusus perkreditan melalui edukasi in Operation Development Division, through both internal and
internal maupun eksternal. external training.
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ALCO ALCO
Asset and Liability Committee atau ALCO berperan dalam The Assets and Liability Committee or ALCO plays a role in managing
pengelolaan aset dan kewajiban Bank untuk memastikan likuiditas Bank’s assets and liabilities to ensure an optimum liquidity and
yang optimal dan mengelola risiko terkait suku bunga. Komite ini managing the risk related to interest rates. This Committee is also in
juga bertugas untuk menganalisis profil risiko Bank, merumuskan charge to analyze the Bank’s risk profile, formulating policies in line
kebijakan yang sejalan dengan tujuan finansial, serta memantau with the financial objectives, as well as periodically monitoring the
kinerja portofolio aset dan kewajiban secara berkala. performance of asset portfolio and liabilities.
Komposisi Keanggotaan Membership Composition
Komposisi keanggotaan ALCO mengacu pada Surat Keputusan The membership composition of ALCO refers to the Board of
Direksi No. SK/DIR/062/1221 tentang Susunan Keanggotaan Directors’ Decision No. SK/DIR/062/1221 on the Membership
Asset & Liability Committee (ALCO), dengan komposisi keanggotaan Composition of the Asset & Liability Committee (ALCO), with
sebagai berikut. the following membership composition.
Ketua
Direktur Utama President Director
Chairperson
Wakil Ketua
Direktur Keuangan Director of Finance
Vice Chairperson
Sekretaris
Kepala Divisi Treasury & Financial Institution Head of Treasury & Financial Institution Division
Secretary
• Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
• Direktur Bisnis Retail dan Jaringan • Director of Retail Business and Network
• Direktur Komersial Banking • Director of Commercial Banking
• Kepala Divisi Treasury & Financial Institution • Head of Treasury & Financial Institution
Anggota
• Kepala Divisi Branch Banking • Head of Branch Banking
Members • Kepala Divisi Komersial Banking • Head of Commercial Banking
• Kepala Divisi Manajemen Risiko • Head of Risk Management
• Kepala Bagian Akuntansi & Perencanaan Keuangan • Head of Accounting & Financial Planning
• Kepala Bagian Asset & Liability Management • Head of Asset & Liability Management
• Staf Ahli Treasury • Treasury Expert Staff
• Pemimpin Kantor Cabang Ariobimo • Branch Manager Ariobimo Branch
Anggota Tidak Tetap • Pemimpin Kantor Cabang Pasar Minggu • Branch Manager Pasar Minggu Branch
Non-Permanent • Kepala Divisi Remedial • Head of Remedial and Special Asset Management
Members • Kepala Divisi Operasional • Head of Operations
• Kepala Divisi Operation Development • Head of Operation Development Division
• Undangan Lainnya • Other Invited Members
Independensi Independency
ALCO berkomitmen untuk menjunjung tinggi prinsip independensi ALCO is committed to uphold the independence principle in
dalam melaksanakan tugas dan tanggung jawabnya. Komitmen implementing its duties and responsibilities. This commitment
ini bertujuan untuk memastikan bahwa tidak terjadi benturan ensure that there is no conflict of interest or pressure from any party.
kepentingan atau tekanan dari pihak manapun.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab ALCO. Following are the duties and responsibilities of ALCO.
1. Memonitor pelaksanaan Asset and Liability Management (ALMA). 1. To monitor the Asset and Liability Management (ALMA).
2. Memprediksi kondisi makroekonomi dan pengaruhnya 2. To predict macroeconomic conditions and their impact on
terhadap suku bunga untuk masa yang akan datang. interest rates in the future.
3. Mengidentifikasi dan mencari alternatif strategi untuk 3. To identify and seek alternative strategies to deal with
menghadapi perubahan kondisi yang dapat memengaruhi aset the changing conditions that may affect the Bank’s assets and
dan kewajiban Bank. liabilities.
4. Memonitor likuiditas Bank, risiko pasar, dan gapping strategy. 4. To monitor the Bank’s liquidity, market risk, and gapping strategy.
5. Menentukan suku bunga acuan untuk funding, lending, dan 5. To determine the interest rate benchmark for funding, lending,
suku bunga antar kantor. and interoffice interest rates.
Rapat Meeting
Selama tahun 2024, ALCO telah melaksanakan rapat sebanyak Throughout 2024, ALCO held 12 meetings with an average member
12 kali dengan rata-rata kehadiran anggota sebesar 80% dari 75% attendance of 80% from the 75% required. Meeting agenda
yang dipersyaratkan. Agenda dan hasil rapat telah diungkapkan dalam and results have been disclosed in the Minutes of ALCO, complete
Notulen atau Risalah ALCO yang dilengkapi dengan daftar hadir peserta. with the attendance list of participants.
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Tata Kelola Perusahaan
Corporate Governance
Realisasi Program Kerja Tahun 2024 Realization of the 2024 Work Program
Selama tahun 2024, ALCO telah menjalankan tugas dan tanggung Throughout 2024, ALCO has performed its duties and responsibilities
jawab dengan baik dan profesional, yang diuraikan sebagai berikut. well and professionally, as outlined below.
1. Memelihara kebutuhan likuiditas sepanjang tahun 2024, baik 1. Maintaining liquidity needs throughout 2024, both for fulfilling
untuk pemenuhan pembayaran dana jatuh tempo maupun payment of funds due and obligations for extending credit and
kewajiban atas pemberian kredit dan pembelian surat berharga. purchasing securities.
2. Melakukan beberapa kali penyesuaian suku bunga (repricing) 2. Performing several interest rate adjustments (repricing) for
funding dan lending sesuai dengan kondisi market yang funding and lending according to market conditions which
mengalami kenaikan mengikuti kenaikan suku bunga Fed experienced an increase according to the increased Fed Funds
Funds Rate yang sangat signifikan selama tahun 2023-2024 Rate which was very significant in 2023-2024 (0.25%-5.5%) and
(0,25%-5,5%) dan penyesuaian kebijakan suku bunga acuan adjustments to the benchmark interest rate policy by Bank
oleh Bank Indonesia. Indonesia.
3. Menjaga pertumbuhan dana pihak ketiga, kredit, dan total aset 3. Maintaining the growth of third-party funds, loans, and total
sesuai dengan target yang ditetapkan pada RBB Bank. assets in accordance with the targets set in the Bank’s RBB.
4. Memenuhi rasio-rasio likuiditas Giro Wajib Minimum 4. Meet the liquidity ratios of Statutory Reserves (GWM),
(GWM), Penyangga Likuiditas Makroprudential (PLM), Rasio Macroprudential Liquidity Buffer (PLM), Macroprudential
Intermediasi Makroprudential (RIM), Aset Likuid terhadap Dana Intermediation Ratio (RIM), Liquid Assets to Third Party
Pihak Ketiga (AL/DPK), Aset Likuid terhadap Non-Core Deposit Funds (AL/DPK), Liquid Assets to Non-Core Deposits
(AL/NCD), Liquidity Coverage Ratio (LCR), Net Stable Funding (AL/NCD), Liquidity Coverage Ratio (LCR), Net Stable Funding
Ratio (NSFR), dan memenuhi ketentuan Rasio Pembiayaan Ratio (NSFR), and fulfilled the provisions of Macroprudential
Inklusif Makroprudential (RPIM)/Kebijakan Insentif Likuiditas Inclusive Financing Ratio (RPIM)/ Macroprudential Liquidity
Makroprudensial. Incentive Policy.
Program Kerja Tahun 2025 2025 Work Program
Program kerja ALCO untuk tahun 2025 diuraikan sebagai berikut. ALCO work program for 2025 is outlined as follows.
1. Melaksanakan pengelolaan aset dan liabilitas sesuai keputusan 1. Managing the assets and liabilities following the meeting
rapat Komite ALCO mengenai suku bunga. decisions of ALCO Committee on interest rate.
2. Melakukan ekspansi kredit dalam memenuhi rasio RIM sesuai 2. Performing credit expansion to meet the RIM ratio following
ketentuan regulator keuangan. the provisions of financial regulators.
3. Membatasi investasi pada instrumen Obligasi Korporasi sesuai 3. Limiting investment on Corporate Bond, in line with the needs
kebutuhan pemenuhan rasio RIM dan RPIM. to meet the RIM and RPIM ratios.
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Komite Pengarah Teknologi Informasi berperan dalam mengarahkan The Information Technology Steering Committee has a role in
dan mengawasi penerapan teknologi informasi di Bank. Komite directing and supervising the implementation of information
ini juga bertanggung jawab untuk merumuskan strategi teknologi technology in the Bank. This Committee is also responsible to
informasi, menetapkan kebijakan, serta memastikan bahwa inisiatif formulate the information technology strategy, establish policy, and
teknologi informasi sejalan dengan Visi dan Misi Bank. ensure that the information technology initiatives are in line with
the Bank’s Vision and Mission.
Komposisi Keanggotaan Membership Composition
Komposisi keanggotaan Komite Pengarah Teknologi Informasi The composition of the membership of the Information Technology
mengacu pada Surat Keputusan No. SK/DIR/066/1124 tentang Tata Steering Committee refers to Decree No. SK/DIR/066/1124
Kerja dan Keanggotaan Komite Pengarah Teknologi Informasi, concerning the Work Procedures and Membership of the
dengan komposisi keanggotaan sebagai berikut. Information Technology Steering Committee, with the membership
composition as follows.
Ketua
Wakil Direktur Utama Vice President Director
Chairperson
Sekretaris
Kepala Divisi Technology Operation & Control Unit Head of Technology Operation & Control Unit Division
Secretary
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• Direktur Utama • President Director
• Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
• Direktur Bisnis Retail dan Jaringan • Director of Retail Business and Network
• Direktur Keuangan • Director of Finance
• Direktur Komersial Banking • Director of Commercial Banking
• Kepala Divisi Digital Technology • Head of Digital Technology Division
• Kepala Divisi Branch & Commercial Banking Technology • Head of Branch & Commercial Banking Technology Division
Anggota
• Kepala Divisi Manajemen Risiko • Head of Risk Management Division
Members • Kepala Divisi Digital Governance • Head of Digital Governance Division
• Kepala Divisi Komersial Banking • Head of Commercial Banking Division
• Kepala Divisi Network & Branch Development • Head of Network & Branch Development Division
• Kepala Divisi Branch Operation & Control Unit • Head of Branch Operation & Control Unit Division
• Kepala Divisi Digital Solutions & Partnership • Head of Digital Solutions & Partnership
• Kepala Divisi Digital Operation • Head of Digital Operation Division
• Kepala Satuan Kerja Akuntansi & Perencanaan Keuangan • Head of Accounting & Financial Planning Work Unit
Independensi Independency
Komite Pengarah Teknologi Informasi berkomitmen untuk The Information Technology Steering Committee is committed
menjunjung tinggi independensi dalam melaksanakan tugas dan to uphold integrity in performing its duties and responsibilities.
tanggung jawabnya. Komitmen ini untuk memastikan bahwa setiap This commitment is to ensure that every decision made is objective,
keputusan yang diambil bersifat objektif, tanpa adanya benturan free of any conflict of interest or pressure from any party.
kepentingan atau tekanan dari pihak manapun.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Komite Following are the description of duties and responsibilities of the
Pengarah Teknologi Informasi. Information Technology Steering Committee.
1. Membantu Direksi dalam menyusun kebijakan dan prosedur 1. To assist the Board of Directors in formulating policies and
terkait penyelenggaraan teknologi informasi yang memadai. procedures related to adequate information technology
implementation.
2. Memberikan rekomendasi kepada Direksi dalam melakukan 2. To provide recommendations to the Board of Directors in
review dan menyetujui proyek-proyek teknologi informasi yang reviewing and approving information technology projects that
berdampak signifikan terhadap kegiatan operasional Bank. have a significant impact on the Bank’s operational activities.
3. Memantau pelaksanaan proyek-proyek teknologi informasi 3. To monitor the implementation of information technology
dan menganalisis kesesuaian dengan rencana proyek yang projects and analyze compliance with agreed project plans.
telah disepakati.
4. Menyelesaikan berbagai masalah yang berkaitan dengan 4. To resolve various problems related to the use of technology
penggunaan teknologi yang tidak dapat diselesaikan antara that cannot be resolved between the user work unit and the
unit kerja pengguna dan unit kerja penyelenggara. administrator work unit.
5. Melalui rapat rutin, melakukan evaluasi terhadap penggunaan 5. Through regular meetings, to evaluate the use of technology
teknologi dan melakukan penyesuaian yang dibutuhkan sesuai and make necessary adjustments in accordance with the
dengan adanya tanggapan dari Otoritas Jasa Keuangan. response from the Financial Services Authority.
Rapat Meeting
Sepanjang tahun 2024, Komite Pengarah Teknologi Informasi telah Throughout 2024, Information Technology Steering Committee
menyelenggarakan 4 rapat dengan agenda sebagai berikut. held 4 meetings with the following agenda.
Tanggal
Agenda
Date
21 Maret 2024 • Progress Update RPTI 2024; • Progress Update RPTI 2024;
March 21, 2024 • Review Rencana vs Realisasi Project 2023; serta • Review Plan vs Realization Project 2023; and
• Laporan IT Operation & Security. • IT Operation & Security Report.
16 April 2024 • Tindak Lanjut Hasil Review Periode Sebelumnya; • Follow-up of Reviews Results of Previous Period;
April 16, 2024 • Perubahan Kondisi Internal dan Eksternal - Konteks Organisasi; • Changes in Internal and External Conditions – Organizational Context;
• Perubahan Kepentingan dan Harapan yang Relevan dengan • Changes in Interests and Expectations Relevant to Information
Sistem Manajemen Keamanan Informasi; Security Management System;
• Respon terhadap Kinerja Keamanan Informasi; • Response to Information Security Performance;
- Ketidaksesuaian Kinerja Keamanan Informasi dan Tindak - Discrepancies of Information Security Performance and
Korektif yang Dilakukan; Corrective Actions Taken;
- Hasil Pemantauan dan Pengukuran terhadap Kinerja - Results of Monitoring and Measurement of Information
Keamanan Informasi; Security Performance;
- Hasil Audit; - Audit Results;
- Pemenuhan Tujuan Keamanan Informasi; - Fulfillment of Information Security Objectives;
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Tanggal
Agenda
Date
• Feedback dari Para Pemangku Kepentingan (Stakeholders); • Feedback from the Stakeholders;
• Risk Assessment dan Status dari Risk Treatment Plan; serta • Risk Assessment and Status of Risk Treatment Plan; and
• Peluang untuk Continuous Improvement. • Continues Improvement Opportunities.
26 September • Progress Update RPTI 2024; • Progress Update RPTI 2024;
2024 • RPTI 2024 - Budget vs Realisasi; serta • RPTI 2024 - Budget vs Realization; and
September 26, • Laporan IT Operation & Security. • IT Operation & Security Report.
2024
15 November • Laporan IT Security; serta • IT Security Report; and
2024 • Rencana RPTI 2025. • RPTI Plan 2025.
November 15,
2024
Realisasi Program Kerja Tahun 2024 Realization of the 2024 Work Program
Selama tahun 2024, Komite Pengarah Teknologi Informasi telah Throughout 2024, Information Technology Steering Committee has
menjalankan tugas dan tanggung jawab dengan baik, yang carried out its duties and responsibilities well, as outlined below.
diuraikan sebagai berikut.
1. Melakukan pengkinian Rencana Strategis TI. 1. Updating IT Strategic Plan.
2. Memantau pelaksanaan proyek-proyek TI yang tercantum pada 2. Monitoring the implementation of IT projects listed in
RPTI 2024. RPTI 2024.
3. Memantau pelaksanaan operasional TI dan keamanan TI. 3. Monitoring the implementation of IT operations and IT security.
4. Memantau budget vs realisasi. 4. Monitoring budget vs realization.
5. Menyusun RPTI 2025. 5. Developing RPTI 2025.
Program Kerja Tahun 2025 2025 Work Program
Program kerja Komite Pengarah Teknologi Informasi untuk tahun The Information Technology Steering Committee work program for
2025 diuraikan sebagai berikut. 2025 is outlined as follows.
1. Melakukan pengkinian Rencana Strategis Teknologi 1. Updating Information Technology Strategic Plan (RSTI)
Informasi (RSTI)
Memastikan RSTI tetap relevan dan selaras dengan arah bisnis Ensuring RSTI remains relevant and in line with the business
dan perkembangan teknologi terkini. directions and latest technological development.
2. Memantau pelaksanaan proyek-proyek TI yang tercantum 2. Monitoring the implementation of IT projects listed in
pada RPTI 2025 RPTI 2025
Memastikan proyek-proyek TI berjalan sesuai rencana, Ensuring IT projects running according to plans, budget, and
anggaran, dan memberikan manfaat yang optimal. providing optimum benefits.
3. Memantau pelaksanaan operasional dan keamanan TI 3. Monitoring the implementation of IT operations and security
Memastikan operasional TI berjalan lancar, efisien, dan aman. Ensuring IT operations run smoothly, efficiently, and securely.
4. Memantau budget vs realisasi 4. Monitoring budget vs realization
Memastikan anggaran TI digunakan secara efektif dan efisien. Ensuring the IT budget is used effectively and efficiently.
5. Menyusun RPTI 2026 5. Developing RPTI 2026
Menyusun rencana program dan anggaran TI untuk tahun 2026. Developing the IT program and budget for 2026.
Komite Produk Product Committee
Komite Produk berperan dalam pengembangan, evaluasi, dan The Product Committee has a role in the development, evaluation,
pengelolaan produk yang ditawarkan oleh Bank untuk memastikan and management of products offered by the Bank to ensure
kesesuaian produk dengan kebutuhan pasar dan kepuasan product suitability with market needs and customer satisfaction.
nasabah. Komite ini juga bertanggung jawab merumuskan strategi This committee also is responsible to formulate product strategy,
produk, menganalisis tren industri, serta menilai kinerja produk analyzing industry trends, as well as assessing the performance of
yang telah ada. existing products.
Pedoman Kerja Charter
Komite Produk menjalankan tugas dan tanggung jawabnya The Product Committee carries out its duties and responsibilities
berdasarkan Peraturan Otoritas Jasa Keuangan Republik Indonesia based on the Financial Services Authority Regulation
No. 13/POJK.03/2021 tanggal 30 Juli 2021 tentang Penyelenggaraan No. 13/POJK.03/2021 dated July 30, 2021, on the Implementation
Produk Bank Umum. of Commercial Bank Products.
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Komposisi Keanggotaan Membership Composition
Komposisi keanggotaan Komite Produk ditetapkan berdasarkan The membership composition of the Product Committee is set
Surat Keputusan No. SK/DIR/056/1121 tentang Susunan under Decision Letter No. SK/DIR/056/1121 on Membership
Keanggotaan Komite Produk, dengan susunan keanggotaan Composition of the Product Committee, with the following
sebagai berikut. membership composition.
Ketua
Direktur Bisnis Retail dan Jaringan Director of Retail Business and Network
Chairperson
Sekretaris / Anggota Tetap
Divisi Manajemen Risiko dan Kepatuhan Risk Management and Compliance Division
Secretary/Permanent Member
• Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
• Direksi • Board of Directors
• Chief Retail Banking Officer • Chief Retail Banking Officer
• Chief Commercial Banking Officer • Chief Commercial Banking Officer
• Divisi Manajemen Risiko (merangkap Sekretaris) • Risk Management Division (concurrently Secretary)
Anggota Tetap
• Divisi Operation Development • Operation Development Division
Permanent Members • Departemen Legal • Legal Department
• Divisi Digital Operation • Digital Operation Division
• Divisi Digital Technology • Digital Technology Division
• Divisi Kepatuhan & APU-PPT • Compliance & AML-CTF Division
• Departemen Akuntansi & Perencanaan Keuangan • Accounting & Financial Planning Department
• Pemilik Produk • Product Owner
Undangan
• Unit kerja lain yang terkait produk baru yang diusulkan • Other work units related to new product proposed
Invitation • Divisi Audit Internal • Internal Audit Division
Independensi Independency
Komite Produk berkomitmen untuk menjunjung tinggi prinsip The Product Committee is committed to uphold the independence
independensi dalam melaksanakan tugas dan tanggung jawabnya. principle in carrying out its duties and responsibilities.
Komitmen ini bertujuan untuk memastikan bahwa tidak terjadi This commitment ensure there is no conflict of interest or pressure
benturan kepentingan atau tekanan dari pihak manapun. from any party.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Komite Produk. Following are the description of duties and responsibilities of
the Product Committee.
1. Menyusun kebijakan, strategi, dan pedoman pengembangan 1. Developing policies, strategies, and guidelines for new product
produk baru. development.
2. Memberikan keputusan atas usulan peluncuran produk baru. 2. Making decisions on proposed new product launches.
3. Melakukan kajian terhadap produk yang dimiliki oleh Bank 3. Conducting periodic reviews of the Bank’s products.
secara periodik.
4. Melakukan perbaikan atau penyempurnaan pelaksanaan 4. Making improvements or refinements to implementation of
pengembangan produk baru berdasarkan hasil evaluasi new product development based on evaluation results of the
pelaksanaan pengembangan produk baru. implementation of new product development.
5. Menetapkan hal-hal yang terkait dengan pengembangan 5. Determining matters related to new product development that
produk baru yang menyimpang dari prosedur normal. deviate from normal procedures.
Rapat Meeting
Sepanjang tahun 2024, Komite Produk telah melaksanakan rapat Throughout 2024, the Product Committee held 1 meeting, with the
sebanyak 1 kali, dengan tingkat kehadiran sebagai berikut. following attendance rates.
Tanggal
Agenda
Date
• Update Status Rencana Penyelenggaraan Produk Bank (RPPB) • Update on Status of Bank Product Implementation Plan
15 November 2024
Tahun 2024 hingga 31 Oktober 2024; serta (RPPB) 2024 to October 31, 2024; and
November 15, 2024
• Pembahasan Rencana Bisnis Bank (RBB) Tahun 2025. • Discussion of Bank’s Business Plan (RBB) 2025.
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Realisasi Program Kerja Tahun 2024 Realization of Work Program in 2024
Selama tahun 2024, Komite Produk telah menjalankan tugas dan Throughout 2024, the Product Committee has carried out its duties
tanggung jawab dengan baik, yang diuraikan sebagai berikut. and responsibilities well, as outlined below.
1. Melakukan perbaikan pelaksanaan pengembangan produk 1. Improving the implementation of new product development
baru berdasarkan hasil evaluasi pelaksanaan pengembangan based on evaluation results of previous implementation of new
produk baru. product development.
2. Melakukan kajian terhadap produk yang dimiliki Bank. 2. Reviewing the Bank’s existing products.
3. Memberikan persetujuan atas usulan peluncuran produk baru 3. Giving approval on proposed new product launches for 2025.
untuk tahun 2025.
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan merupakan organ pendukung Direksi yang The Corporate Secretary is a supporting organ of the Board of
berperan strategis dalam memastikan kepatuhan Bank terhadap Directors that has a strategic role in ensuring the Bank’s compliance
peraturan dan perundang-undangan yang berlaku. Selain itu, with applicable laws and regulations. In addition, this organ is also
organ ini bertanggung jawab atas pengelolaan administrasi Bank, responsible for the Bank’s administration management, including
termasuk penyimpanan informasi dan dokumentasi secara tertata, the organized storage of information and documentation, as well
serta menjaga komunikasi yang efektif dengan Pemegang Saham as maintaining an effective communications with Shareholders and
dan pemangku kepentingan lainnya. other stakeholders.
Pedoman Kerja Work Guidelines
Sekretaris Perusahaan menjalankan tugas dan tanggung The Corporate Secretary carries his duties and responsibilities based
jawabnya berdasarkan Peraturan Otoritas Jasa Keuangan on the Financial Services Authority Regulation No. 35/POJK.04/2014
No. 35/POJK.04/2014 tanggal 8 Desember 2014 tentang Sekretaris dated December 8, 2014 on the Corporate Secretary of Issuers or
Perusahaan Emiten atau Perusahaan Publik serta Standar Public Companies and the Standard Operating Procedures of the
Operasional Prosedur Pedoman Corporate Secretary No. 158 Corporate Secretary Guidelines No. 158 dated October 6, 2023.
tanggal 6 Oktober 2023.
Profil Sekretaris Perusahaan Corporate Secretary’s Profile
Sekretaris Perusahaan pada tahun 2024 tetap dijabat oleh In 2024, the Mr. Feliks Suranta Tarigan remains in his position as
Bapak Feliks Suranta Tarigan, sesuai dengan Surat Keputusan the Corporate Secretary, in accordance with the Board of Directors
Direksi No. SK/DIR/006/0123. Profil lengkap Sekretaris Perusahaan Decision No. SK/DIR/006/0123. The full profile of the Corporate
telah diungkapkan pada Bab Profil Perusahaan dalam Secretary has been disclosed in the Company Profile Chapter in
Laporan Tahunan ini. this Annual Report.
Kedudukan Sekretaris Perusahaan Corporate Secretary’s Position
Sekretaris Perusahaan Bank INA berada di bawah Direktur The Corporate Secretary of Bank INA is under the Director of
Manajemen Risiko dan Kepatuhan, sesuai dengan Struktur Risk Management and Compliance, pursuant to the Bank’s
Organisasi Bank No. SK/DIR/054A/0824 yang berlaku sejak Organizational Structure No. SK/DIR/054A/0824 effective from
22 Agustus 2024 dan berlaku efektif sejak 1 September 2024. 22 August 2024 and becoming effective as of 1 September 2024.
Selain itu, Sekretaris Perusahaan melaporkan secara langsung In addition, the Corporate Secretary reports the implementation
pelaksanaan tugas dan tanggung jawabnya kepada Direktur of his duties and responsibilities directly to the Director of Risk
Manajemen Risiko dan Kepatuhan. Management and Compliance.
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Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab Sekretaris Following are the description of duties and responsibilities of the
Perusahaan. Corporate Secretary.
1. Mengelola pendokumentasian kebijakan, prosedur, surat 1. Managing the documentation of policies, procedures, decisions
keputusan Dewan Komisaris dan Direksi, daftar Pemegang of the Board of Commissioners and Board of Directors,
Saham, risalah rapat Dewan Komisaris dan Direksi, serta RUPS list of Shareholders, minutes of meetings of the Board of
Tahunan dan RUPS Luar Biasa. Commissioners and Board of Directors, as well as the Annual
GMS and Extraordinary GMS.
2. Bekerja sama dengan Satuan Kerja Kepatuhan untuk meyakini 2. Cooperating with the Compliance Work Unit to ensure that
bahwa kebijakan dan prosedur Bank telah sesuai dengan the Bank’s policies and procedures are in accordance with the
peraturan perundang-undangan yang berlaku. applicable laws and regulations.
3. Bekerja sama dengan bagian Corporate Legal untuk 3. Cooperating with Corporate Legal department to inform
menginformasikan Direksi terkait peraturan perundang- the Board of Directors regarding the latest laws and regulations.
undangan terkini.
4. Mendukung Dewan Komisaris dan Direksi dalam hal 4. Supporting the Board of Commissioners and Board of Directors
pelaksanaan rapat dan rapat gabungan, pendistribusian in terms of holding meetings and joint meetings, distributing
undangan, dan risalah rapat. invitations and minutes of meetings.
5. Memberikan bantuan ringkasan Laporan Dewan Komisaris dan 5. Providing assistance in summarizing the Reports of the Board
Direksi. of Commissioners and Board of Directors.
6. Memastikan bahwa Pemegang Saham telah mendapatkan 6. Ensuring that Shareholders obtained their rights, among others,
hak-haknya, antara lain dalam hal RUPS Tahunan dan RUPS in the Annual GMS and Extraordinary GMS, and the recording of
Luar Biasa, serta pencatatan transaksi/perpindahan saham. share transactions/transfers.
7. Melaksanakan keterbukaan informasi sesuai dengan ketentuan 7. Conducting information disclosure in accordance with
peraturan dan perundang-undangan. the provisions of laws and regulations.
Pelaksanaan Tugas Implementation of Duties
Sekretaris Perusahaan telah melaksanakan tugas dan tanggung jawab Throughout 2024, the Corporate Secretary has carried out his duties
dengan efektif selama tahun 2024, yang diuraikan sebagai berikut. and responsibilities effectively, as outline below.
1. Mengikuti perkembangan pasar modal, khususnya 1. Following capital market development, especially regulations
peraturan-peraturan yang berlaku di bidang pasar modal. applicable in capital market.
2. Membuat dan menyampaikan laporan, meliputi: 2. Preparing and submitting reports, including:
a. Laporan Internal: a. Internal Report:
1) Laporan Bulanan, berupa memo internal komposisi 1) Monthly Report, in the form of internal memo on
Pemegang Saham; serta Shareholders’ composition; and
2) Laporan Tahunan, berupa Laporan Tahunan 2) Annual Report, in the form of Corporate Secretary
Departemen Corporate Secretary; Department Annual Report;
b. Laporan Eksternal: b. External Report:
1) Laporan Registrasi Pemegang Saham sebanyak 12 kali 1) Shareholder Registration Report 12 times, published
yang dipublikasikan di situs web Bursa Efek Indonesia; on Indonesia Stock Exchange website;
2) Laporan Keterbukaan Informasi pada situs web Bursa 2) Information Disclosure Report on Indonesia Stock
Efek Indonesia sebanyak 8 kali; Exchange website 8 times;
3) Laporan Penjelasan atas Volatilitas Saham sebanyak 3) Explanatory Report on Stock Volatility, 2 times;
2 kali;
4) Mengadakan RUPS Tahunan pada tanggal 20 Juni 4) Holding the Annual GMS on June 20, 2024,
2024, dan 2 kali RUPS Luar Biasa, yaitu pada tanggal and 2 Extraordinary GMS, namely on March 15, 2024
15 Maret 2024 dan 20 Juni 2024, serta Paparan Publik and June 20, 2024, as well as a Public Expose on
pada tanggal 30 Maret 2024; March 30, 2024;
5) Laporan hasil RUPS sebanyak 2 kali ke Pelaporan 5) Reports on the result of the GMS, 2 times to the
Elektronik (SPE) Bursa Efek Indonesia dan Otoritas Electronic Reporting (SPE) of Indonesia Stock
Jasa Keuangan; serta Exchange and Financial Services Authority; and
6) Laporan Tahunan Buku 2023 sebanyak 1 kali. 6) 2023 Annual Report, 1 time.
3. Memberikan masukan kepada Direksi melalui penyelenggaraan: 3. Providing input to the Board of Directors through holding:
a. Rapat Direksi sebanyak 31 kali; serta a. Board of Directors’ meeting 31 times; and
b. Rapat Gabungan Dewan Komisaris dan Direksi sebanyak b. 7 Joint Meetings of Board of Commissioners and Board of
7 kali. Directors.
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4. Membuat dan menyampaikan surat-surat eksternal. 4. Preparing and delivering external letters.
5. Berkoordinasi dengan media untuk mengeluarkan siaran pers 5. Coordinating with the media to issue press releases regarding
terkait berbagai kegiatan yang dijalankan Bank, seperti kinerja various activities carried out by the Bank, such as the Bank’s
Bank ataupun kegiatan-kegiatan lainnya. performance or other activities.
6. Melaksanakan keterbukaan informasi sesuai dengan ketentuan 6. Conducting information disclosure in accordance with
peraturan dan perundang-undangan. the provisions of laws and regulations.
Pengembangan Kompetensi Competency Development
Informasi terkait pengembangan kompetensi Sekretaris Perusahaan Information related to Corporate Secretary’s competency
telah diungkapkan pada bagian Pendidikan dan Pelatihan Organ development has been disclosed in the Education and Training
Tata Kelola Perusahaan bab Profil Perusahaan dalam Laporan section of Corporate Governance Organs in the Company Profile
Tahunan ini. chapter in this Annual Report.
Satuan Kerja Audit Internal
Internal Audit Work Unit
Satuan Kerja Audit Internal (SKAI) sebagai third line of defense The Internal Audit Unit (SKAI), as the third line of defense, has
memiliki tugas dan tanggung jawab menjalankan fungsi audit the duties and responsibilities of carrying out the internal audit
intern di Bank INA. SKAI berperan melaksanakan penugasan function at Bank INA. SKAI plays a role in performing independent
assurance dan consultation yang independen serta objektif yang and objective assurance and consultation assignments that
dapat memberi nilai tambah dalam rangka membantu Bank can provide added value in helping the Bank achieve its
mencapai tujuannya. SKAI bertanggung jawab langsung kepada objectives. SKAI is directly responsible to the President Director
Direktur Utama dan dalam pelaksanaan tugasnya dapat melakukan and, in the performance of its duties, may communicate directly
komunikasi secara langsung dengan Dewan Komisaris, Direksi, with the Board of Commissioners, the Board of Directors, and the
dan Komite Audit. Audit Committee.
Pedoman Kerja Charter
Pedoman kerja SKAI mengacu pada Piagam Internal Audit yang SKAI’s works by referring to the Internal Audit Charter, which
disahkan pada tanggal 13 Desember 2023 oleh Direktur Utama was approved on December 13, 2023 by the President Director,
setelah mendapatkan persetujuan dari Dewan Komisaris, dengan after obtaining approval from the Board of Commissioners,
mempertimbangkan rekomendasi Komite Audit. Piagam ini by considering the recommendations of the Audit Committee.
disosialisasikan kepada unit kerja dan dievaluasi setiap 3 tahun The charter is socialized to the work units and will be evaluated
untuk disesuaikan dengan perkembangan bisnis terkini. every 3 years to be adjusted with the latest business developments.
Profil Kepala Satuan Kerja Audit Internal Profile of Head of Internal Audit Work Unit
SKAI dipimpin oleh seorang kepala SKAI, yang diangkat dan SKAI is led by Head of SKAI, appointed and dismissed by the President
diberhentikan oleh Direktur Utama dengan persetujuan Dewan Director after obtaining approval from the Board of Commissioners
Komisaris, berdasarkan rekomendasi dari Komite Audit. by considering the recommendations of the Audit Committee.
Pada tahun 2024, terjadi perubahan Kepala SKAI, yang dijabat oleh In 2024, the Head of SKAI changed, with the appointment of
Bapak Thomas Alfa Edison, efektif 15 Januari 2024 berdasarkan Mr. Thomas Alfa Edison, effective from January 15, 2024 based on
Surat Keputusan Direksi No. SK/DIR/002/0124. Profil lengkap the Board of Directors’ Decision No. SK/DIR/002/0124. The complete
Kepala SKAI telah disampaikan pada bagian Profil Pejabat Eksekutif profile of the Head of SKAI has been presented in the Executive
bab Profil Perusahaan dalam Laporan Tahunan ini. Officer Profile section of the Company Profile chapter in this
Annual Report.
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2024 Annual Report
Jumlah Auditor Internal Number of Internal Auditors
Hingga Desember 2024, jumlah auditor internal di Bank INA tercatat As of December 2024, Bank INA had 15 internal auditors,
sebanyak 15 orang, termasuk Kepala SKAI yang menjabat. including the Head of SKAI currently in position.
Kualifikasi dan Sertifikasi Personel Personnel Qualification and Certification
Bank berkomitmen untuk meningkatkan kemampuan dan keahlian The Bank is committed to improve SKAI’s capabilities and expertise
SKAI dengan melibatkan personel melalui program SKAI sesuai by involving the personnel through SKAI programs in accordance
dengan Peraturan Bank Indonesia No. 12/7/PBI/2010 mengenai with Bank Indonesia Regulation No. 12/7/PBI/2010 on Risk
Sertifikasi Manajemen Risiko Bagi Pengurus dan Pejabat Bank Management Certification for Management and Officers of
Umum. Pada tahun 2024, Auditor SKAI telah memiliki sertifikasi Commercial Banks. In 2024, SKAI Auditors had competency
kompetensi yang terdiri dari 1 orang memiliki sertifikasi Manajemen certification consisting of 1 person having Level 6 Risk Management
Jenjang 6; 7 orang memiliki sertifikasi Manajemen Risiko Jenjang certification; 7 people having Level 5 Risk Management certification;
5; 3 orang memiliki sertifikasi Manajemen Risiko Jenjang 4; dan 3 people having Level 4 Risk Management certification; and
4 Orang belum memiliki sertifikasi Manajemen Risiko. Bank juga 4 people not having Risk Management certification. The Bank
memiliki Sertifikasi Kompetensi bidang Audit yang terdiri dari also has Audit Competency Certification, consisting of 1 person
1 orang Sertifikasi Kompetensi bidang Audit Level Supervisor; dan having Audit Competency Certification of Supervisor Level;
4 orang memiliki Sertifikasi Kompetensi bidang Audit Level Auditor. and 4 people having Audit Competency Certification of Auditor
Di samping itu, Bank memastikan bahwa seluruh personel SKAI Level. In addition, the Bank also ensures that all SKAI personnel
menjunjung tinggi prinsip independensi untuk menjalankan tugas uphold the independence principle in carrying out the duties and
dan tanggung jawab dengan profesional dan bertanggung jawab. responsibilities professionally and responsibly. This is shown
Hal ini dibuktikan dengan tidak adanya hubungan kekerabatan by not having kinship relationships to the second degree, either
sampai derajat kedua, baik vertikal ataupun horizontal, dengan vertically or horizontally with Shareholders, members of the Board
Pemegang Saham, anggota Dewan Komisaris, anggota Direksi, serta of Commissioners, members of the Board of Directors, and auditors
auditor di luar SKAI. outside SKAI.
Struktur dan Kedudukan Satuan Kerja Audit Structure and Position of Internal Audit Unit
Internal
SKAI berada di bawah pengawasan dan tanggung jawab langsung SKAI is under the direct supervision and responsibility of
Direktur Utama, dengan posisi yang independen untuk menjamin the President Director, with independent position to maintain
objektivitas dalam pelaksanaan audit. Tugas dan tanggung jawab objectivity in audit implementation. The SKAI’s duties and
SKAI disampaikan kepada Direktur Utama, kemudian dilaporkan responsibilities is submitted to the President Director, then reported
kepada Dewan Komisaris, Komite Audit, dan Direktur Kepatuhan to the Board of Commissioners, Audit Committee, and Compliance
dan pihak-pihak terkait lainnya. Director and other related parties.
Tugas dan Tanggung Jawab Duties and Responsibilities
Berikut uraian mengenai tugas dan tanggung jawab dari SKAI. SKAI’s duties and responsibilities are described as follows.
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. To assist the duties of the President Director and Board of
dalam melakukan pengawasan dengan cara menjabarkan Commissioners in carrying out supervision by elaborating on
secara operasional baik perencanaan, pelaksanaan, ataupun an operational basis of audit planning, implementation, and
pemantauan audit. monitoring.
2. Membuat analisis dan penilaian di bidang keuangan, akuntansi, 2. To analyze and assess finance, accounting, operations, and
operasional, dan kegiatan lainnya melalui audit. other activities through audits.
3. Mengidentifikasi segala kemungkinan untuk memperbaiki dan 3. To identify all possibilities to improve and increase the
meningkatkan efisiensi penggunaan sumber daya dan dana. efficiency of the use of resources and funds.
4. Memberikan saran perbaikan dan informasi yang objektif 4. To provide suggestions for improvement and objective
tentang kegiatan yang diperiksa pada semua tingkatan information about the activities audited at all levels of
manajemen. management.
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Corporate Governance
Pelaksanaan Tugas Implementation of Duties
SKAI telah melaksanakan tugas dan tanggung jawab selama tahun Throughout 2024, SKAI has carried out its duties and responsibilities,
2024, yang diuraikan sebagai berikut. outlined as follows.
1. Pemeriksaan wajib (mandatory audit) berdasarkan ketentuan 1. Mandatory audit based on applicable regulations, namely LHPK
yang berlaku, yaitu LHPK (SKN-BI, BI-RTGS, BI-ETP, BI-SSSS, (SKN-BI, BI-RTGS, BI-ETP, BI-SSSS, BI-FAST & KPDHN), Financial
BI-FAST & KPDHN), Sistem Layanan Informasi Keuangan (SLIK), Information Service System (SLIK), Single Customer View (SCV)/
Single Customer View (SCV)/Lembaga Penjamin Simpanan Indonesia Deposit Insurance Corporation (IDIC), and Internal
(LPS), dan Internal Capital Adequacy Assessment Process Capital Adequacy Assessment Process (ICAAP).
(ICAAP).
2. Pemeriksaan regular terkait divisi/departemen sebanyak 2. Regular inspections related to divisions/departments
5 obyek dan kantor cabang (KC) sebanyak 12 kantor yang amounted to 5 objects and 12 branch offices, divided into
terbagi menjadi wilayah Jakarta dan Luar Jakarta. Jakarta area and outside Jakarta area.
3. Pemeriksaan information technology (IT) terkait Security Audit 3. Information technology (IT) examination related to
(SKN-BI, BI-RTGS, BI-ETP, BI-SSSS & BI-FAST), Penerapan Security Audit (SKN-BI, BI-RTGS, BI-ETP, BI-SSSS & BI-FAST),
ISO/IEC 27001:2022, DRP, Keamanan Siber, Core Banking implementation of ISO/IEC 27001: 2022, DRP, Cyber Security,
(Lending), dan digital banking. Core Banking (Lending), and digital banking.
4. Pemeriksaan khusus sebanyak 6 pemeriksaan dan investigasi 4. Special inspections amounted to 6 inspections and investigations
sebanyak 5 pemeriksaan, yang seluruhnya telah ditindaklanjuti. amounted to 5 inspections, all have been followed-up.
Temuan dan Tindak Lanjut Findings and Follow Up
Setiap tahun, SKAI mengevaluasi temuan audit dari setiap auditor. Annually, SKAI evaluates the audit findings from each auditor.
Hasil evaluasi ini dianalisa dan disampaikan kepada Direksi sebagai The evaluation results are analyzed and submitted to the Board of
temuan yang perlu ditindaklanjuti. Selama tahun 2024, SKAI telah Directors as findings that must be followed up. Throughout 2024,
mengelompokkan temuan audit yang harus ditindaklanjuti sebagai SKAI has grouped the audit findings that must be followed up as
berikut. follows.
Persentase
Jumlah Temuan
Status Percentage
Total Findings
(%)
In Progress 35 14,11
Extend 6 2,42
Closed (Done) 207 83,47
Total 248 100,00
Penilaian Kinerja Performance Assessment
Secara berkala, Bank melakukan penilaian kinerja SKAI untuk Periodically, the Bank assessed the performance of SKAI to ensure
memastikan bahwa pelaksanaan tugas dan tanggung jawab sesuai that the implementation of duties and responsibilities are in line
dengan pedoman kerja yang berlaku. Penilaian ini mengacu pada with the applicable charter. This assessment refers to the Key
key performance indicator (KPI) yang ditetapkan pada awal tahun Performance Indicator (KPI) established at the beginning of the
buku, yang meliputi tingkat pemenuhan sasaran audit, tingkat fiscal year, that includes level of fulfillment of audit objectives,
keakuratan dan relevansi hasil audit, tingkat kepuasan penggunaan level of accuracy and relevance of audit results, level of satisfaction
jasa SKAI, efisiensi dan efektivitas SKAI, serta tingkat kepatuhan with the use of SKAI services, and level of compliance with
dengan standar profesional. professional standards.
Pengembangan Kompetensi Competency Development
Sepanjang tahun 2024, Kepala SKAI telah mengembangkan Throughout 2024, the Head of SKAI has independently developed
kompetensinya secara mandiri melalui buku dan berbagai media competency through books and various digital media.
digital.
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Sistem Pengendalian Internal
Internal Control System
Sistem pengendalian internal merupakan serangkaian prosedur The Internal Control System is a series of procedures applied by
yang diterapkan oleh Bank untuk memastikan integritas the Bank to ensure the operational integrity, regulatory compliance,
operasional, kepatuhan terhadap peraturan, dan perlindungan and protection of the properly and responsibly managed assets.
aset yang dikelola dengan baik dan bertanggung jawab. Sistem This system also functions to improve the operational efficiency
ini juga berfungsi untuk meningkatkan efisiensi operasional and support transparency, to maintain the trust of the Bank’s
dan mendukung transparansi, sehingga menjaga kepercayaan stakeholders.
pemangku kepentingan Bank.
Penerapan sistem pengendalian internal Bank INA mengacu pada The implementation of Bank INA’s internal control system
Surat Edaran Otoritas Jasa Keuangan No. 35/SEOJK.03/2017 refers to the Circular Letter of Financial Services Authority
tentang Pedoman Sistem Pengendalian Internal bagi Bank Umum, No. 35/SEOJK.03/2017 on Internal Control System Guidelines for
serta disesuaikan dengan struktur organisasi dan perkembangan Commercial Banks, as well as adjusted to the organizational structure
terkini di industri perbankan. and the latest developments in the banking industry developments.
Penerapan Sistem Pengendalian Internal Implementation of Internal Control Systems
dan Kesesuaian dengan COSO and Conformity with COSO
Bank INA menerapkan sistem pengendalian internal yang mengacu Bank INA implements an internal control system that refers to
pada standar internasional Committee of Sponsoring Organizations the international standards of the Committee of Sponsoring
of the Treadway Commission (COSO) guna meningkatkan praktik Organization of Tradeway Commission (COSO), to improve
tata kelola dan transparansi. Standar ini menggunakan kerangka the governance and transparency practices. This standard is using
kerja Internal Control-Integrated Framework, yang terdiri dari the Internal Control-Integrated Framework, that consists of 5 main
5 komponen utama yang membentuk sistem pengendalian components that forms an effective and efficient internal control
internal yang efektif dan efisien secara sistematis dan terintegrasi. system in a systematic and integrated manner.
Berikut adalah penerapan sistem pengendalian internal Bank Following is the implementation of internal control system of
serta kesesuaiannya dengan COSO-Internal Control-Integrated the Bank, as well as its conformity with the COSO-Internal
Framework. Control-Integrated Framework.
Komponen
Pengendalian Internal
Kesesuaian dengan COSO Conformity with COSO
Internal Control
Components
Lingkungan Pengendalian • Menunjukkan komitmen terhadap nilai integritas dan etika; • Demonstrate commitment to the values of integrity and ethics;
Control Environment • Tanggung jawab pengawasan; • Supervisory responsibilities;
• Menetapkan struktur, kewenangan, dan tanggung jawab; • Establish structure, authority, and responsibility;
• Komitmen terhadap kompetensi; serta • Commitment to competence; and
• Menegakkan akuntabilitas. • Uphold accountability.
Penilaian Risiko • Menentukan tujuan yang cocok; • Determine suitable goals;
Risk Assessment • Mengidentifikasi dan menganalisis risiko; • Identify and analyze risks;
• Menilai risiko penipuan; serta • Assess fraud risk; and
• Mengidentifikasi dan menganalisis perubahan yang signifikan. • Identify and analyze significant changes.
Aktivitas Pengendalian • Memilih dan mengembangkan aktivitas pengendalian; • Select and develop control activities;
Control Activity • Memilih dan mengembangkan kontrol umum atas • Select and develop general control over technology;
teknologi; serta and
• Menyebarkan melalui kebijakan dan prosedur. • Deploy through policies and procedures.
Informasi dan Komunikasi • Menggunakan informasi yang relevan; • Use relevant information;
Information and • Berkomunikasi secara internal; serta • Communicate internally; and
Communication • Berkomunikasi secara eksternal. • Communicate externally.
Kegiatan Pemonitoran • Melakukan evaluasi yang sedang berjalan dan/atau • Conduct ongoing and/or separate evaluations; and
Monitoring Activities terpisah; serta
• Mengevaluasi dan mengomunikasikan kekurangan. • Evaluate and communicate deficiencies.
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Corporate Governance
Evaluasi Efektivitas Sistem Pengendalian Evaluation of the Effectiveness of
Internal Internal Control System
Bank INA secara berkala mengevaluasi efektivitas sistem Bank INA periodically evaluates the effectiveness of the internal
pengendalian internal yang dilakukan oleh SKAI di seluruh control system, conducted by SKAI in all divisions/work units.
divisi/unit kerja. Hasil evaluasi dilaporkan kepada Direktur The evaluation results are reported to the President Director,
Utama, Komisaris Utama, serta Komite Audit untuk ditelaah dan President Commissioner, as well as Audit Committee for review and
ditindaklanjuti. follow-up.
Pernyataan Dewan Komisaris dan Direksi atas Statement of the Board of Commissioners
Kecukupan Sistem Pengendalian Internal and Board of Directors on the Adequacy of
Internal Control System
Dewan Komisaris dan Direksi menilai bahwa sistem pengendalian The Board of Commissioners and Board of Directors assessed that
internal telah diterapkan dengan baik sepanjang tahun 2024, the internal control system has been well implemented throughout
sebagaimana tercermin dalam peningkatan kinerja operasional dan 2024, as reflected in the improvement of operational and financial
keuangan Bank. Meskipun demikian, Dewan Komisaris dan Direksi performances of the Bank. However, the Board of Commissioners
terus mendorong perbaikan dan penguatan sistem pengendalian and Board of Directors keep encouraging the improvement and
internal di periode mendatang guna mendukung pencapaian strengthening of internal control system to support the achievement
tujuan strategis secara efektif dan efisien. of strategic goals effectively and efficiently.
Manajemen Risiko
Risk Management
Bank INA menerapkan manajemen risiko untuk mengelola tantangan Bank INA implements risk management to manage the challenges and
dan memanfaatkan peluang demi pertumbuhan berkelanjutan. utilizing the opportunities for sustainable growth. The risk management
Penerapan manajemen risiko dilakukan secara efektif dan implementation is carried out in effective and responsible manner
bertanggung jawab dengan melibatkan pengawasan dari seluruh by involving supervision from all organs, including the President
organ, termasuk Direktur Utama dan Dewan Komisaris melalui Director and the Board of Commissioners through the Risk Monitoring
Komite Pemantau Risiko. Pengelolaan ini didukung oleh Komite Committee. This management is supported by the Risk Management
Manajemen Risiko serta Divisi Manajemen Risiko, yang beroperasi Committee and Risk Management Division, operating independently of
secara independen dari satuan kerja operasional dan bisnis. operational and business work units.
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2024 Annual Report
Berikut struktur organisasi pengelola manajemen risiko Bank INA. The organizational structure of Bank INA’s risk management is
disclosed as follows.
Satuan Kerja Manajemen Risiko
Risk Managemment Work Unit
Direktur Utama
President Director
Komite Pemantau Risiko Komite Manajemen Risiko
Risk Monitoring Committee Risk Management Committee
Direktur Kepatuhan dan Manajemen Risiko
Director of Compliance and Risk Management
Kepala Divisi Manajemen Risiko
Head of Risk Manegement
Operational Risk, Market Risk,
Credit Risk
Liquidity Risk & Other Risk
Divisi Manajemen Risiko Risk Management Division
Divisi Manajemen Risiko memiliki peran penting dalam menjaga Risk Management Division plays an important role in maintaining
stabilitas dan keberlanjutan Bank melalui pengelolaan risiko yang the stability and sustainability of the Bank through a structured risk
terstruktur. Sebagai second line of defense, divisi ini bekerja sama management. As a second line of defense, this division collaborates
dengan seluruh unit pendukung, dari tingkat strategis hingga level with all of the supporting units, from strategic level to transaction,
transaksi, dalam menjalankan proses identifikasi, pengukuran, to carry out the process of identification, measurement, monitoring,
pemantauan, pengendalian, sistem informasi, serta sistem control, information system, as well as a comprehensive internal
pengendalian internal yang komprehensif. control system.
Kepala Divisi Manajemen Risiko bertanggung jawab atas The Head of Risk Management Division is responsible for the
pelaksanaan tugas dan tanggung jawab divisinya serta memastikan implementation of duties and responsibilities of the division, as
seluruh kegiatan manajemen risiko berjalan sesuai dengan well as ensuring all of the risk management activities are running
kebijakan dan prosedur yang ditetapkan. Kepala Divisi ini melapor in accordance with the established policies and procedure. The
langsung kepada Direktur Manajemen Risiko dan Kepatuhan. Division Head reports directly to Director of Risk Management
Profil lengkap mengenai Kepala Divisi Manajemen Risiko dapat and Compliance. The full profile of the Head of Risk Management
ditemukan pada Bab Profil Perusahaan, sub-bab Profil Pejabat Division is available in the Company Profile Chapter, sub-chapter
Eksekutif, dalam Laporan Tahunan ini. Executive Officer Profiles, in this Annual Report.
Tanggung Jawab dan Wewenang Responsibilities and Authorities of
Divisi Manajemen Risiko Risk Management Division
Berikut uraian mengenai tanggung jawab dan wewenang Divisi Following are the description of duties and responsibilities of the
Manajemen Risiko. Risk Management Division.
1. Memberikan masukan kepada Direksi dalam penyusunan 1. Provide input to the Board of Directors in formulating risk
kebijakan, strategi, dan kerangka manajemen risiko. management policies, strategies, and frameworks.
2. Mengembangkan prosedur dan alat untuk identifikasi, 2. Develop procedures and tools for identification, measurement,
pengukuran, pemantauan, dan pengendalian risiko. monitoring, and risk control.
3. Mendesain dan menerapkan perangkat yang dibutuhkan dalam 3. Design and implement the tools needed in the implementation
penerapan manajemen risiko. of risk management.
4. Memantau implementasi kebijakan, strategi, dan kerangka 4. Monitor the implementation of risk management policies,
manajemen risiko yang direkomendasikan oleh Komite strategies, and frameworks recommended by the Risk Management
Manajemen Risiko dan yang telah disetujui oleh Direksi. Committee and those approved by the Board of Directors.
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Tata Kelola Perusahaan
Corporate Governance
5. Memantau posisi atau eksposur risiko secara keseluruhan, 5. Monitor overall risk position or exposure, as well as per
maupun per risiko termasuk pemantauan kepatuhan terhadap risk, including monitoring compliance with established risk
toleransi risiko dan limit yang ditetapkan. tolerances and limits.
6. Melakukan stress testing guna mengetahui dampak dari 6. Conduct stress testing to determine the impact of the
implementasi kebijakan dan strategi manajemen risiko implementation of risk management policies and strategies on
terhadap portofolio atau kinerja Bank secara keseluruhan. overall portfolio or performance of the Bank.
7. Mengkaji usulan aktivitas dan/atau aktivitas baru yang 7. Reviewing proposed new activities and/or activities developed
dikembangkan oleh suatu unit tertentu Bank yang difokuskan by a particular unit of the Bank which is focused primarily on
terutama pada aspek kemampuan Bank untuk mengelola aspects of the Bank’s ability to manage new products/activities
produk/aktivitas baru termasuk kelengkapan sistem dan including the completeness of systems and procedures used
prosedur yang digunakan serta dampaknya terhadap eksposur and their impact on overall Bank’s risk exposure.
risiko Bank secara keseluruhan.
8. Memberikan rekomendasi kepada satuan kerja bisnis dan/atau 8. Provide recommendations to business work units and/or to the
kepada Komite Manajemen Risiko terkait penerapan manajemen Risk Management Committee regarding the implementation of
risiko antara lain mengenai besaran atau maksimum eksposur risk management, including regarding the amount or maximum
risiko yang dapat dipelihara Bank. risk exposure that can be maintained by the Bank.
9. Mengevaluasi akurasi dan validitas data yang digunakan oleh 9. Evaluating the accuracy and validity of the data used by the
Bank untuk mengukur risiko bagi Bank yang menggunakan Bank to measure risk for Banks using models for internal
model untuk keperluan internal. purposes.
10. Menyusun dan menyampaikan laporan profil risiko kepada 10. Prepare and submit risk profile reports to the President Director,
Direktur Utama, Direktur Kepatuhan, dan Komite Manajemen Compliance Director, and the Risk Management Committee
Risiko secara berkala atau paling sedikit secara triwulanan. periodically or at least quarterly. Report frequency should be
Frekuensi laporan harus ditingkatkan dalam hal kondisi pasar increased in case market conditions change rapidly.
berubah dengan cepat.
11. Melaksanakan kaji ulang secara berkala dengan frekuensi yang 11. Carry out periodic reviews with a frequency adjusted to the
disesuaikan kebutuhan Bank, untuk memastikan: needs of the Bank, to ensure:
a. Kecukupan kerangka manajemen risiko; a. Adequacy of the risk management framework;
b. Keakuratan metodologi penilaian risiko; dan b. Accuracy of the risk assessment methodology; and
c. Kecukupan sistem informasi manajemen risiko. c. Adequacy of risk management information system.
Fokus dan Realisasi Program Kerja Focus and Realization of Risk Management
Manajemen Risiko Work Program
1. Meningkatkan kesadaran semua pihak yang terlibat dalam 1. Increase awareness of all parties involved in the Bank’s activities
aktivitas Bank akan risiko yang masing-masing kelola. regarding the risks managed by each.
2. Menjaga agar risiko yang diambil oleh Bank selalu berada 2. Maintain the risks taken by the Bank to remain within the
di dalam risk appetite yang telah ditetapkan. established risk appetite.
3. Bersama dengan risk taking unit melakukan assessment 3. Together with risk taking unit, assessed risks surrounding the
terhadap risiko-risiko yang melingkupi (risk control (risk control self-assessment/RCSA) daily activities to then
self-assessment/RCSA) aktivitas harian untuk kemudian prepare corrective measures to control the risks faced.
menyusun langkah perbaikan untuk mengendalikan risiko
yang dihadapi.
Pengembangan Kompetensi Competency Development of
Divisi Manajemen Risiko Risk Management Division
Untuk menghadapi tantangan dan memanfaatkan peluang yang ada, To face the challenges and utilizes the existing opportunities, as
serta meningkatkan pengetahuan dan keterampilan personil Divisi well as improving the knowledge and skills of the Risk Management
Manajemen Risiko, Bank melaksanakan kegiatan pengembangan Division personnel, the Bank is implementing competency
kompetensi. Kegiatan ini dilaksanakan baik secara internal maupun development activities. These activities is held both internally or in
melalui kerja sama dengan pihak ketiga, seperti pelatihan dan collaboration with external parties, such as training and education,
pendidikan, seminar, workshop, dan berbagai kegiatan lainnya. seminars, workshops, and other activities. In 2024, the Risk
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Pada tahun 2024, Divisi Manajemen Risiko telah mengikuti kegiatan Management Division has participated in competency development
pengembangan kompetensi yang diuraikan sebagai berikut. activities described as follows.
Tempat dan Waktu
Materi Pengembangan Penyelenggara
Pelaksanaan
Development Materials Organizer
Place and Time
Sosialisasi Kredit Multi Guna Xtra 16 Januari 2024
PT Bank Ina Perdana Tbk
Socialization of Multi-Purpose Credit Xtra January 16, 2024
Training Retail Bonds System Fase 2 1 Februari 2024
PT OBS Solusi Teknologi Indonesia
Retail Bonds System Training Phase 2 February 1, 2024
Pelatihan Sistem Manajemen Keamanan Informasi oleh
1 Februari 2024 Badan Siber dan Sandi Negara (BSSN)
Badan Siber dan Sandi Negara
& 16 Februari 2024
Information Security Management System Training by
February 1 & 16, 2024 National Cyber and Encryption Agency (BSSN)
National Cyber and Encryption Agency
Sosialisasi Aturan Tarif Efektif Rata-Rata PPh 21 19 Februari 2024 P2 Humas Kantor Pusat Direktorat Jenderal Pajak
Socialization of Average Effective Rate Regulation for PPh 21 February 19, 2024 P2 Public Relations of Head Office of Directorate General of Taxes
Sistem Manajemen Keamanan Informasi 20 Februari 2024
BSSN
Information Security Management System February 20, 2024
23 Februari 2024
Accessing Personal Genius METAMIND Training Coaching Institute
February 23, 2024
Refreshment Sertifikasi Manajemen Risiko Jenjang 6 16 Maret 2024
PT Raharja Duta Solusindo
Level 6 Risk Management Certification Refreshment March 16, 2024
Talk or Sharing Session Edisi 1 18 Maret 2024
PT Bank Ina Perdana Tbk
First Edition Talk or Sharing Session March 18, 2024
Training Upgrade PSAK 71 Perhitungan CKPN 27 Maret 2024
ElysianNXT
Training Upgrade PSAK 71 CKPN Calculation March 27, 2024
Sertifikasi Manajemen Risiko Jenjang 6 24 April 2024 Lembaga Sertifikasi Profesi Perbankan (LSPP)
Level 6 Risk Management Certification April 24, 2024 Banking Professional Certification Institute (LSPP)
Awareness Perlindungan Data Pribadi 25 April 2024
PT Veda Praxis
Personal Data Protection Awareness April 25, 2024
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP)
Identifikasi Transaksi Keuangan Mencurigakan 12 Juni 2024 & Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK)
Identification of Suspicious Financial Transaction June 12, 2024 Communication Forum of Banking Compliance Director (FKDKP)
& Financial Transaction Report and Analysis Center (PPATK)
25 Juli 2024
Fundamentals of Credit PT Edcore Indonesia
July 25, 2024
15 Agustus 2024
Recovery Plan and Resolution Plan Rintisan Management Gagas
August 15, 2024
Refreshment Sertifikasi Manajemen Risiko Jenjang 5 23 Agustus 2024
PT Raharja Duta Solusindo
Level 5 Risk Management Certification Refreshment August 23, 2024
Stress Testing 4 Risiko Sistemik 28 Agustus 2024
Rintisan Management Gagas
Stress Testing 4 Systemic Risk August 28, 2024
Training Pembiayaan Inti Plasma 2 September 2024
Sinarmas Agri Bisnis
Nucleus Plasma Financing Training September 2, 2024
11 September 2024
Training OBS Settlement Trading System OBS Financial Solutions
September 11, 2024
Sertifikasi Manajemen Risiko Jenjang 5 15 September 2024
LSPP
Level 5 Risk Management Certification September 15, 2024
19 September 2024
Refreshment and Sharing Knowledge Digital Product PT Bank Ina Perdana Tbk
September 19, 2024
Implementasi Undang-Undang Pelindungan Data Pribadi 26 September 2024
PT CBQA Global
Implementation of Personal Data Protection Act September 26, 2024
Pembekalan Sertifikasi Manajemen Risiko Jenjang 4 15 Oktober 2024
PT Raharja Duta Solusindo
Level 4 Risk Management Certification Briefing October 15, 2024
17 Oktober 2024
Operational Risk and Fraud Risk Management Rintisan Management Gagas
October 17, 2024
PT Bank Ina Perdana Tbk 313
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Tata Kelola Perusahaan
Corporate Governance
Sertifikasi Manajemen Risiko Risk Management Certification
Selain memfasilitasi kegiatan pengembangan kompetensi, Bank Other than facilitating the competency development activities,
juga mendukung Divisi Manajemen Risiko untuk mengikuti the Bank also supports Risk Management Division to take the Risk
Ujian Sertifikasi Manajemen Risiko yang diadakan oleh Lembaga Management Certification Examination organized by the Banking
Sertifikasi Profesi Perbankan (LSPP) dan Badan Sertifikasi Professional Certification Institute (LSPP) and the Risk Management
Manajemen Risiko (BSMR). Berikut adalah uraian mengenai Certification Board (BSMR). Following is the description of risk
sertifikasi manajemen risiko yang telah dimiliki oleh personil Divisi management certification held by the Risk Management Division
Manajemen Risiko selama tahun 2024. personnel throughout 2024.
Jumlah Karyawan
Level Sertifikasi Certification Level
Total Employees
Sertifikasi Manajemen Risiko Jenjang 4 3 Level 4 Risk Management Certification
Sertifikasi Manajemen Risiko Jenjang 5 5 Level 5 Risk Management Certification
Sertifikasi Manajemen Risiko Jenjang 6 1 Level 6 Risk Management Certification
Penilaian Tingkat Kesehatan Bank Berdasarkan Bank Soundness Level Assessment
Penilaian Sendiri (Self-Assessment Bank) Based on Bank Self-Assessment
Bank INA melakukan penilaian tingkat kesehatan berdasarkan Bank INA carries out soundness level check through self-assessment,
pada penilaian sendiri (self-assessment) yang disesuaikan dengan that is adjusted to the Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 dan Surat No. 17 of 2023 and Financial Services Authority Circular
Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang No. 13/SEOJK.03/2017 on Corporate Governance for Commercial
Tata Kelola Perusahaan bagi Bank Umum. Pada tahun 2024, Banks. In 2024, the Bank received a composite rating of 2
Bank memperoleh penilaian komposit 2 (Low to Moderate). (Low to Moderate).
Tool dan Metodologi Manajemen Risiko Risk Management Tools and Methodologies
Dalam penerapan manajemen risiko, Bank menerapkan berbagai tool In implementing the risk management, the Bank is applying various
dan metodologi untuk mengidentifikasi, menganalisis, dan mengelola tools and methodologies to identify, analyze, and managing risks
risiko di lingkungan internal. Pada tahun 2024, tool dan metodologi internally. In 2024, the risk management tools and methodologies
manajemen risiko yang diterapkan Bank INA diuraikan sebagai berikut. implemented by Bank INA is outlined as follows.
1. Loss Event Databased (LED), merupakan databased 1. Loss Event Database (LED), is an operational loss database that
kerugian operasional yang dapat digunakan sebagai sarana can be used as a learning tool for events that have the potential
pembelajaran kejadian yang berpotensi maupun yang telah or have resulted in losses so that in the future the Bank can take
mengakibatkan kerugian sehingga di masa yang akan datang necessary mitigation steps. In addition, LED is also used as a
Bank dapat melakukan langkah-langkah mitigasi yang means of calculating operational loss provisioning by the Bank.
diperlukan. Selain itu, LED juga digunakan sebagai sarana
perhitungan pencadangan kerugian operasional oleh Bank.
2. Risk Control Self-Assessment (RCSA), merupakan tool yang 2. Risk Control Self-Assessment (RCSA), is a tool used by the Bank
digunakan Bank untuk melakukan self-assessment atas risiko to conduct self-assessment of operational risk so that it can be
operasional agar dapat diidentifikasi, diukur, dimonitor, dan identified, measured, monitored, and managed properly.
dikelola dengan baik.
3. Liquidity Coverage Ratio (LCR), merupakan tool yang digunakan 3. Liquidity Coverage Ratio (LCR), is a tool used to measure the
untuk mengukur kemampuan Bank dalam mencukupi Bank’s ability to meet liquidity needs for the next 30 days.
kebutuhan likuiditas selama 30 hari ke depan.
4. Net Stable Funding Ratio (NSFR), merupakan tool yang 4. Net Stable Funding Ratio (NSFR), is a tool used to measure the
digunakan untuk mengukur perbandingan antara kebutuhan comparison between stable funding requirements and the
pendanaan stabil dengan ketersediaan dana stabil yang dimiliki availability of stable funds owned by the Bank.
oleh Bank.
314 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Evaluasi Terhadap Efektivitas Manajemen Evaluation of the Effectiveness of
Risiko Risk Management
Evaluasi efektivitas manajemen risiko dilakukan secara periodik Evaluation of the effectiveness of risk management is held
oleh Divisi Manajemen Risiko. Tujuan dari evaluasi ini adalah untuk periodically by the Risk Management Division. This evaluation aims
mengidentifikasi kelemahan dan kekurangan dalam penerapan to identify the weaknesses and deficiencies in the risk management
manajemen risiko, sehingga langkah-langkah perbaikan dan implementation, allowing so that corrective and improvement
peningkatan dapat dilakukan pada tahun berikutnya. measures can be done in the subsequent year.
Pernyataan Dewan Komisaris dan Direksi Statement of the Board of Commissioners
Atas Kecukupan Manajemen Risiko and Board of Directors on Adequacy of
Risk Management
Sepanjang tahun 2024, Dewan Komisaris dan Direksi memandang Throughout 2024, the Board of Commissioners and Board of
penerapan manajemen risiko di Bank telah memadai dan Directors views the implementation of risk management in the
dilaksanakan dengan baik. Hal ini tercermin dari tidak adanya Bank as adequate and well implemented. This is reflected from the
risiko yang berdampak signifikan terhadap proses bisnis Bank. absence of risk of significant impact to the Bank’s business process.
Seluruh jenis risiko telah ditanggulangi dengan mitigasi yang tepat All types of risks have been handled with proper and efficient
dan efisien. mitigation.
Fungsi Kepatuhan
Compliance Function
Fungsi Kepatuhan dibentuk dan diterapkan dalam kegiatan usaha The Compliance Function is established and implemented in the
Bank untuk menerapkan pelaksanaan prinsip kehati-hatian terhadap Bank’s business activities to carry out the prudence principle
peraturan perundang-undangan yang berlaku. Pelaksanaan against the applicable laws and regulations. The implementation
Fungsi Kepatuhan merupakan peran aktif dari Direktur yang of Compliance Function is an active role of the Director in charge
membawahi Fungsi Kepatuhan dan Satuan Kerja Kepatuhan, of Compliance Function and Compliance Work Unit, including all
termasuk semua organ yang berada dalam Struktur Organisasi organs inside the Bank’s Organizational Structure.
di Bank.
Pedoman Fungsi Kepatuhan Compliance Operational Guidelines
Pelaksanaan tugas dan tanggung jawab Satuan Kerja Kepatuhan Implementation of duties and responsibilities of the Bank’s
Bank mengacu pada Peraturan Otoritas Jasa Keuangan Compliance Work Unit refers to the Financial Services Authority
No. 46/POJK.03/2017 tentang Fungsi Kepatuhan Bank Umum dan Regulation No. 46/POJK.03/2017 on the Compliance Function of
Kebijakan Internal Bank yang mengatur mengenai Pelaksanaan Commercial Bank and the Bank’s Internal Policy that regulates
Fungsi Kepatuhan yang tercantum dalam Pedoman Kerja Satuan the Implementation of Compliance Function stated in the Work
Kerja Kepatuhan dan Unit Kerja APU-PPT. Guidelines of the Compliance Work Unit and AML-CTF.
PT Bank Ina Perdana Tbk 315
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Tata Kelola Perusahaan
Corporate Governance
Struktur Organisasi Fungsi Kepatuhan Compliance Function Organizational Structure
Struktur organisasi Fungsi Kepatuhan digambarkan pada bagan The Compliance Function organizational structure is illustrated in
berikut. the following chart.
Struktur Organisasi Kepatuhan dan APU-PPT
Organizational Structure of Compliance and AML-CTF
Direktur Utama
President Director
Direktur Manajemen Risiko dan Kepatuhan
Director of Risk Management and Compliance
Compliance & Anti-Money Laundering Division Head
Anti Money Laundering & Counter Financing
Compliance Department Head
Terorism Department Head
Good Corporate Monitoring
Non Credit Development &
Credit Compliance Governance Transaction & Reporting
Compliance Infrastructure
Specialist & Reporting Analyst Specialist Transaction
Specialist Specialist
Specialist Specialist
Pelaksana Fungsi Kepatuhan Compliance Function Executor
Bank memiliki Direktur yang membawahi Fungsi Kepatuhan serta The Bank has a Director in charge of the Compliance Function as
Satuan Kerja Kepatuhan yang bersifat independen terhadap well as Compliance Work Unit that is independent to the Bank’s
pelaksanaan operasional Bank. Adapun tugas dan tanggung operational implementation. Their duties and responsibilities are
jawabnya diungkapkan sebagai berikut. disclosed as follows.
Direktur yang Membawahi Fungsi Kepatuhan Director in Charge of Compliance Function
Fungsi Kepatuhan berada di bawah wewenang Direktur Manajemen The Compliance Function is under the authority of Director of
Risiko dan Kepatuhan, dengan tugas dan tanggung jawab sebagai Risk Management and Compliance, with the following duties and
berikut. responsibilities.
1. Merumuskan strategi guna mendorong terciptanya Budaya 1. Formulate strategies to encourage the creation of the Bank’s
Kepatuhan Bank. Compliance Culture.
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip 2. Propose compliance policies or compliance principles to be
kepatuhan yang akan ditetapkan oleh Direksi. determined by the Board of Directors;
3. Menetapkan sistem dan prosedur kepatuhan yang akan 3. Establish compliance systems and procedures that will be used
digunakan untuk menyusun ketentuan dan pedoman internal to develop the Bank’s internal regulations and guidelines.
Bank.
4. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, 4. Ensure that all policies, provisions, systems, and procedures,
dan prosedur, serta kegiatan usaha yang dilakukan Bank as well as business activities carried out by the Bank are in
telah sesuai dengan ketentuan Otoritas Jasa Keuangan, Bank accordance with the provisions of the Financial Services
Indonesia, dan peraturan perundang-undangan yang berlaku. Authority, Bank Indonesia, and the applicable laws and
regulations.
5. Meminimalkan risiko kepatuhan Bank. 5. Minimizing the Bank’s compliance risk.
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Laporan Tahunan 2024
2024 Annual Report
6. Melakukan tindakan pencegahan agar kebijakan dan/atau 6. Take preventive measures so that the policies and/or decisions
keputusan yang diambil Direksi Bank tidak menyimpang dari taken by the Board of Directors of the Bank do not deviate from
ketentuan Bank Indonesia atau Otoritas Jasa Keuangan dan the provisions of Bank Indonesia or the Financial Services
peraturan perundang-undangan yang berlaku. Authority and the applicable laws and regulations.
7. Melakukan tugas-tugas lain terkait fungsi kepatuhan, yaitu: 7. Perform other tasks related to the compliance function:
a. Memastikan kepatuhan Bank terhadap komitmen yang a. Ensuring the Bank’s compliance with the commitments
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau made by the Bank to the Financial Services Authority and/
otoritas pengawas lain yang berwenang; serta or other authorized supervisory authorities; and
b. Melakukan sosialisasi kepada seluruh pegawai Bank b. Conducting dissemination to all Bank employees regarding
mengenai hal-hal yang terkait dengan fungsi kepatuhan, matters related to the compliance function, especially
terutama mengenai ketentuan yang berlaku. regarding applicable regulations.
Satuan Kerja Kepatuhan Compliance Work Unit
Fungsi Kepatuhan juga berada di bawah pengawasan Divisi The Compliance Function is also under the supervision of the
Compliance & Anti-Money Laundering, dengan tugas dan tanggung Compliance & Anti-Money Laundering Division, with the following
jawab sebagai berikut. duties and responsibilities.
1. Membuat langkah termasuk membuat kebijakan maupun 1. Make steps, including making the policy of guidance to support
pedoman untuk mendukung dan mendorong terciptanya and encourage the creation of a Compliance Culture in all Bank
Budaya Kepatuhan di seluruh kegiatan usaha Bank dan pada business activities at every level of the organization.
setiap jenjang organisasi.
2. Melakukan identifikasi, pengukuran, pemantauan, dan/atau 2. Carry out identification, measurement, monitoring, and/or
pengendalian terhadap risiko kepatuhan dengan berpedoman control on the compliance risk based on the provisions of the
pada ketentuan peraturan perundang-undangan yang berlaku. applicable laws and regulations.
3. Melakukan kajian dan/atau evaluasi terhadap efektivitas, 3. Carry out reviews and/or evaluation on effectiveness, adequacy
kecukupan dan kesesuaian kebijakan, sistem dan/atau and suitability of policies, systems, and/or procedures owned
prosedur yang dimiliki oleh Bank dengan peraturan perundang- by the Bank against the provisions of the applicable laws and
undangan yang berlaku dengan melakukan pengujian prinsip regulations by carrying out a prudence principle test.
kehati-hatian.
4. Memberikan rekomendasi dan/atau kajian terhadap pengkinian 4. Provide recommendations and/or reviews on the updating
dan/atau penyempurnaan kebijakan, sistem dan/atau prosedur and/or refinement of policies, systems and/or procedures
yang dimiliki oleh Bank untuk disesuaikan dengan peraturan owned by the Bank so that they comply with the provisions of
perundang-undangan yang berlaku. the applicable laws and regulations.
5. Melakukan upaya untuk memastikan bahwa kebijakan, 5. Make efforts to ensure that the policies, provisions, systems and
ketentuan, sistem dan prosedur, serta kegiatan usaha Bank procedures, as well as the Bank’s business activities comply
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan with the provisions of the Financial Services Authority and the
peraturan perundangan-undangan. laws and regulations.
6. Melakukan tugas lain yang terkait dengan Fungsi Kepatuhan, 6. Perform other tasks related to the Compliance Function,
yaitu: namely:
a. Memastikan Kepatuhan Bank terhadap Komitmen yang a. Ensuring the Bank’s compliance with the Commitments
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau made by the Bank to the Financial Services Authority and/
Pengawas lain yang berwenang; or other authorized supervisory authorities;
b. Melakukan sosialisasi kepada seluruh pegawai Bank b. Conducting dissemination to all Bank employees regarding
mengenai hal-hal yang terkait dengan Fungsi Kepatuhan; matters related to the compliance function; and
serta
c. Bertindak sebagai narahubung (contact person) untuk c. Acting as a contact person for issue regarding Bank
permasalahan Kepatuhan Bank bagi pihak internal Compliance for internal and external parties.
maupun eksternal.
Sampai dengan Desember 2024, keanggotaan Divisi Kepatuhan As of December 2024, the membership of the Compliance and
dan APU-PPT terdiri dari 10 orang. Divisi Kepatuhan dan AML-CTF Division consists of 10 people. The Compliance and
APU-PPT dipimpin oleh seorang Kepala Divisi, yaitu AML-CTF Division is led by a Division Head, namely Mrs. Vivery
Ibu Vivery Ujiastuti. Profil beliau telah diungkapkan pada Ujiastuti. His profile has been disclosed in the Company
bab Profil Perusahaan, sub bab Pejabat Eksekutif di dalam Profile chapter, sub-chapter Executive Officer Profiles, in this
Laporan Tahunan ini. Annual Report.
PT Bank Ina Perdana Tbk 317
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Tata Kelola Perusahaan
Corporate Governance
Independensi Fungsi Kepatuhan Compliance Function Independency
Independensi pada Satuan Kerja Kepatuhan merupakan hal yang Independence in the Compliance Work Unit is an important thing
penting untuk memastikan integritas dan efektivitas pengawasan to ensure the integrity and effectiveness of supervision in the Bank’s
di internal Bank. Satuan kerja kepatuhan independen terhadap satuan internal. The compliance work unit is independent of the operational
kerja operasional. Hal ini tercermin dalam Struktur Organisasi Bank. work unit. This is reflected in the Bank’s Organizational Structure.
Pelaksanaan Fungsi Kepatuhan Bank INA senantiasa mengutamakan The implementation of Bank INA’s Compliance Function always
sikap independen dalam tugas dan tanggungjawabnya. Komitmen prioritize the independent nature in its duties and responsibilities.
ini tercermin dengan tidak adanya hubungan keuangan, hubungan This commitment is shown by the absence of financial relationships,
kepengurusan, hubungan kepemilikan, dan/atau hubungan management relationships, ownership relationships, and/or family
keluarga sampai derajat kedua dengan anggota Direksi, anggota relationships to the second degree with members of the Board
Dewan Komisaris, dan/atau Pemegang Saham Pengendali, serta of Directors, members of the Board of Commissioners, and/or
hubungan lain dengan Bank yang dapat mengurangi objektivitas Controlling Shareholders or other relationships with the Bank that
dalam penilaian risiko kepatuhan. Selain itu, Bank memastikan may reduce the objectivity in the assessment of compliance risk. In
seluruh personil di Satuan Kerja Kepatuhan selalu mengedepankan addition, the Bank ensures all personnel in the Compliance Work
integritas dan independensi untuk memitigasi terjadinya potensi Unit always prioritize integrity and independence to mitigate any
adanya Benturan Kepentingan. potential conflict of interest.
Pengembangan Kompetensi Divisi Compliance & Competency Development of Compliance &
Anti-Money Laundering Anti-Money Laundering Division
Sebagai upaya pengembangan kompetensi, Divisi Compliance As an effort to develop the competency, the Compliance &
& Anti-Money Laundering secara berkala mengikuti pelatihan, Anti-Money Laundering Division periodically participate in trainings,
workshop, dan sosialisasi yang diselenggarakan baik secara workshops and disseminations, held both internally by the Bank
internal oleh Bank maupun eksternal oleh pihak ketiga, baik secara or externally by third party, either online of offline. Following are
online maupun offline. Berikut adalah kegiatan pengembangan the competency development activities carried out by this division
kompetensi yang dilaksanakan oleh divisi ini sepanjang tahun 2024. throughout 2024.
Tempat dan Waktu
Materi Pengembangan Penyelenggara
Pelaksanaan
Development Materials Organizer
Place and Time
Peraturan Pemerintah No. 58 Tahun 2023 tentang Tarif Pemotongan
Pajak Penghasilan Pasal 21 atas Penghasilan Sehubungan dengan
Pekerjaan, Jasa, atau Kegiatan Wajib Pajak Orang Pribadi 19 Februari 2024 Kementerian Keuangan Dirjen Pajak
Government Regulation No. 58 of 2023 on Income Tax Withholding February 19, 2024 Ministry of Finance, Directorate General of Taxes
Rate of Article 21 on Income from Employment, Service or Activities of
Individual Taxpayer
Penyusunan Individual Risk Assessment (IRA) Dalam Rangka Pemenuhan
Kewajiban Peraturan Otoritas Jasa Keuangan APU-PPT dan PPPSPM
di Sektor Jasa Keuangan 20 Februari 2024 Otoritas Jasa Keuangan
Preparation of Individual Risk Assessment (IRA) for Compliance with February 20, 2024 Financial Services Authority
Financial Services Authority Regulations on AML-CTF and CPF in the
Financial Services Sector
5 Maret 2024
Against Financial Crime in 2024 and Beyond Dow Jones Risk & Compliance
March 5, 2024
Sosialisasi Ketentuan Perpajakan atas Instrumen Moneter yang
Diterbitkan Bank Indonesia 25 Maret 2024 Kementerian Keuangan Dirjen Pajak
Dissemination of Tax Provisions on Monetary Instruments Issued by March 25, 2024 Ministry of Finance, Directorate General of Taxes
Bank Indonesia
Sosialisasi Pelaporan SiMuda Gen 2 26 Maret 2024 Otoritas Jasa Keuangan
Dissemination of SiMuda Gen 2 Reporting March 26, 2024 Financial Services Authority
Indentifikasi Transaksi Keuangan Mencurigakan & Penentuan Indikasi
Tindak Pidana Asal Batch 1 24 & 25 April 2024 Forum Komunikasi Kepatuhan Perbankan (FDKP)
Identification of Suspicious Financial Transaction & Determination of April 24 & 25, 2024 Communication Forum of Banking Compliance (FDKP)
Indication of Predicate Act of Criminal Batch 1
Rapat Dengar Pendapat Rancangan Peraturan Otoritas Jasa Keuangan
tentang Sistem Informasi Pelaku di Sektor Jasa Keuangan 8 Mei 2024 Otoritas Jasa Keuangan
Public Hearing on Draft Financial Services Authority Regulation on May 8, 2024 Financial Services Authority
Information System of Actors in the Financial Services Sector
Sosialisasi Peraturan Otoritas Jasa Keuangan di Bidang Pasar Modal
13 Juni 2024 Otoritas Jasa Keuangan
Dissemination of Financial Services Authority Regulation in the Capital June 13, 2024 Financial Services Authority
Market Sector
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Laporan Tahunan 2024
2024 Annual Report
Tempat dan Waktu
Materi Pengembangan Penyelenggara
Pelaksanaan
Development Materials Organizer
Place and Time
Training Basic Credit Analysis 25-26 Juli 2024
PT Bank Ina Perdana Tbk
Basic Credit Analysis Training July 25-26, 2024
Sosialisasi Peraturan Bank Indonesia No. 5 Tahun 2024 tentang
Standarisasi Kompetensi di bidang Sistem Pembayaran (PBI SK SP) 20 Agustus 2024
Bank Indonesia
Dissemination of Bank Indonesia Regulation No. 5 of 2024 on August 20, 2024
Competency Standardization in the Payment System sector (PBI SK SP)
Training Pembiayaan Inti Plasma 2 September 2024
PT Bank Ina Perdana Tbk
Nucleus Plasma Financing Training September 2, 2024
Meeting Internal Anggota FKDKP - Sosialisasi Komitmen dan Tindak Pusat Pelaporan dan Analisis Transaksi Keuangan
Lanjut Rembuk Nasional tanggal 6 Juni 2024 PPATK dan FKDKP 6 September 2024 (PPATK)
FKDKP Member Internal Meeting – Dissemination of Commitment and September 6, 2024 Financial Transaction Report and Analysis Center
Follow-up of National Discussion on June 6, 2024 PPATK and FKDKP (PPATK)
Sosialisasi Kebijakan Penyusunan Ketentuan Internal Bank INA 10 September 2024
PT Bank Ina Perdana Tbk
Dissemination of Bank INA Internal Regulation Preparation Policy September 10, 2024
Permohonan Tanggapan dan Rapat Dengar Pendapat atas Rancangan
Peraturan Otoritas Jasa Keuangan Profesi Penunjang di Sektor Jasa
Keuangan (RPOJK Profesi Penunjang) 20 September 2024 Otoritas Jasa Keuangan
Request of Feedback and Public Hearing on Draft of Financial Services September 20, 2024 Financial Services Authority
Authority Regulation on Supporting Profession in the Financial Services
Sector (RPOJK Supporting Professions)
26-27 September 2024
Training Implementasi Undang-Undang Pelindungan Data Pribadi
September 26-27, PT Bank Ina Perdana Tbk
Implementation of Personal Data Protection Law Training
2024
Sosialisasi Mekanisme Cyber Patrol kepada Penyelenggara Sistem
Pembayaran (PSP) 3 Oktober 2024
Bank Indonesia
Dissemination of Cyber Patrol Mechanism to Payment System Provider October 3, 2024
(PSP)
Undangan Pelaksanaan Industrial Test Penyampaian Rencana Resolusi
Melalui Portal E-Laporan 21 Oktober 2024 Lembaga Penjamin Simpanan
Invitation of Industrial Test Implementation of Submission of Resolution October 21, 2024 Indonesia Deposit Insurance Corporation
Plan Through E-Report Portal
Sosialisasi Peraturan Otoritas Jasa Keuangan No. 15 Tahun 2024
Integritas Pelaporan Keuangan Bank 7 November 2024 Otoritas Jasa Keuangan
Dissemination of Financial Services Authority Regulation No. 15 of 2024 November 7, 2024 Financial Services Authority
Bank Financial Reporting Integrity
Undangan Sosialisasi Sistem Indonesia Anti-Scam Center (Pusat Penanganan
Penipuan Transaksi Keuangan) 15 November 2024 Otoritas Jasa Keuangan
November 15, 2024 Financial Services Authority
Invitation of Dissemination of Indonesia Anti-Scam Center System
Undangan Sertifikasi Manajemen Risiko Jenjang 4 15-16 November 2024
PT Bank Ina Perdana Tbk
Invitation for Risk Management Certification Level 4 November 15-16, 2024
Undangan Seminar “Memerangi Judi Online dan Kejahatan Baru
di Era Ekonomi Digital 5.0” 19 November 2024 PPATK dan OVO
Seminar Invitation “Combating Online Gambling and New Crimes in November 19, 2024 PPATK and OVO
the Era of Digital Economy 5.0”
Undangan Sosialisasi Ketentuan Perbankan 2 Desember 2024 Otoritas Jasa Keuangan
Invitation of Banking Provisions Dissemination December 2, 2024 Financial Services Authority
Sosialisasi Peraturan Anggota Dewan Gubernur No. 17 Tahun 2024
3 Desember 2024
Dissemination of Member of Board of Governors Regulation No. 17 of Bank Indonesia
December 3, 2024
2024
Undangan Sosialisasi SIGAP 2024 4 Desember 2024 Otoritas Jasa Keuangan
Invitation of SIGAP 2024 Dissemination December 4, 2024 Financial Services Authority
Sosialisasi Ketentuan Makropudensial 10 Desember 2024
Bank Indonesia
Dissemination of Macroprudential Provisions December 10, 2024
Undangan Sosialisasi Domestic Benchmark Reform: Transisi Penghentian
Publikasi JIBOR 11 Desember 2024
Bank Indonesia
Invitation of Domestic Benchmark Reform Dissemination: Transition of December 11, 2024
JIBOR Publication Termination
Undangan Focus Group Discussion Terkait Penerapan Pengendalian
Internal dalam Proses Pelaporan Keuangan Bank 18 Desember 2024 Otoritas Jasa Keuangan
Invitation of Focus Group Discussion on Implementation of Internal December 18, 2024 Financial Services Authority
Control in Bank Financial Reporting Process
PT Bank Ina Perdana Tbk 319
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Tata Kelola Perusahaan
Corporate Governance
Pelaksanaan Program Kerja Fungsi Kepatuhan Implementation of Compliance Function’s Work
Tahun 2024 Program in 2024
Sepanjang tahun 2024, Fungsi Kepatuhan telah melaksanakan Throughout 2024, the Compliance Function has carried out its duties
tugas dan tanggung jawab dengan baik dan sesuai pedoman kerja and responsibilities well and in accordance with the applicable
yang berlaku, yang diuraikan sebagai berikut. work guidelines, outlined as follows.
Tanggal Kegiatan
Date Activity
Periode Januari - Desember 2024 Membuat ringkasan aturan baru sebanyak 11 ketentuan regulator.
January – December 2024 Period Creating a summary of new regulations of 11 regulatory provisions.
Periode Januari - Desember 2024 Review kebijakan dan/atau prosedur yang diterbitkan, sebanyak 25 kebijakan, 28 pedoman, 40 standar operasional
prosedur (SOP), serta 2 Memo.
January – December 2024 Period Reviewing the policies and/or procedures issued, of 25 policies, 28 guidelines, 40 standard operational procedure
(SOP), and 2 Memos.
Periode Januari - Desember 2024 Uji Kepatuhan Kredit sebanyak 367 kredit.
January – December 2024 Period Credit Compliance Testing on 367 credits.
Periode Januari - Desember 2024 Kajian Kepatuhan terhadap produk dan/atau aktivitas baru sebanyak 5 produk dan 6 layanan.
January – December 2024 Period Compliance Study for new products and/or activities of 5 products and 6 services.
Februari, Mei, Juli, September, Permohonan dan/atau pemantauan jaringan kantor, sebagai berikut.
Oktober & Desember 2024 • Penutupan KC Pasar Minggu.
• Penutupan KCP Kota Bukit Indah.
• Pembukaan KC Melawai.
• Pembukaan KC PIK.
• Pembukaan KC Bogor.
• Pembukaan KC Puri.
• Pembukaan KC Bukit Darmo Surabaya.
• Pembukaan KCP Pasar Minggu.
• Pembukaan KCP Gatot Subroto Bandung.
• Pembukaan KCP Sunter.
• Pembukaan KCP BSD.
• Relokasi KC Dago Bandung.
• Relokasi KCP Pondok Indah.
February, May, July , September, Request and/or monitoring of office network, as follows.
October & December 2024 • Closure of KC Pasar Minggu.
• Closure of KCP Kota Bukit Indah.
• Opening of KC Melawai.
• Opening of KC PIK.
• Opening of KC Bogor.
• Opening of KC Puri.
• Opening of KC Bukit Darmo Surabaya.
• Opening of KCP Pasar Minggu.
• Opening of KCP Gatot Subroto Bandung.
• Opening of KCP Sunter.
• Opening of KCP BSD.
• Relocation of KC Dago Bandung.
• Relocation of KCP Pondok Indah.
Periode Januari - Desember 2024 Reminder laporan kepada unit kerja yang disampaikan secara rutin 1 bulan sekali.
January – December 2024 Period Reminder of reporting to work unit, submitted regularly once a month.
Periode Januari - Desember 2024 Tindak Lanjut Pemeriksaan Otoritas Jasa Keuangan dan Satuan Kerja Audit Internal.
January – December 2024 Period Examination Follow-up by Financial Services Authority and Internal Audit Work Unit.
Periode Januari - Desember 2024 Pemantauan terhadap rasio kepatuhan.
January – December 2024 Period Monitoring on compliance ratio.
Evaluasi Efektivitas Fungsi Kepatuhan Evaluation of the Effectiveness of Compliance
Function
Secara berkala, Bank melakukan evaluasi terhadap efektivitas The Bank periodically evaluates the effectiveness of the
Fungsi Kepatuhan untuk mengidentifikasi kekurangan maupun Compliance Function to identify deficiencies or weaknesses in its
kelemahan dalam penerapannya. Sepanjang tahun 2024, Bank implementation. Throughout the year 2024, the Bank still received
masih mendapatkan sanksi denda dari regulator terkait penerapan fines from the regulator related to the implementation of the
Fungsi Kepatuhan tersebut. Sanksi tersebut terkait dengan Compliance Function. The sanctions were related to delays or
keterlambatan atau koreksi di Laporan Bank. Oleh karena itu, Bank corrections in the Bank’s Reports. Therefore, the Bank is implementing
320 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
menerapkan berbagai inisiatif untuk meminimalkan sanksi dari various initiatives to minimize sanction from various regulators,
berbagai regulator, sebagai berikut. as follows.
1. Peningkatan pelatihan bidang operasional sehingga 1. Increased training in the operational field so that task
pelaksanaan tugas dapat lebih baik. Pelatihan dilakukan baik execution can be better. Training is conducted both externally
secara eksternal maupun internal. Pelatihan secara internal and internally. Internal training can be carried out by internal
dapat dilakukan oleh pengajar internal yang lebih menekankan instructors who put more emphasis on operational techniques.
teknis operasional. Peningkatan kemampuan SDM juga HR capacity building is also carried out through operational
dilakukan melalui rapat-rapat operasional; meetings;
2. Penyampaian “Daftar Kewajiban Penyampaian Laporan” yang 2. The submission of “List of Obligations of Reports for Submission
disampaikan setiap bulan dan ditujukan kepada unit kerja of Reports” which is submitted monthly and addressed to the
terkait; relevant work unit;
3. Penerbitan atau penyesuaian kebijakan, pedoman, dan SOP 3. Issuance or adjustment of policies, guidelines, and internal SOP
internal yang telah disesuaikan dengan ketentuan eksternal; adjusted with the external provisions;
4. Melakukan analisa dampak terhadap terbitnya peraturan dari 4. Conducting impact analysis on the issuance of regulation from
regulator untuk meminimalisir terjadinya pelanggaran dan the regulators to minimize violation and delays in submitting
keterlambatan penyampaian laporan; report;
5. Melakukan tindak lanjut terhadap temuan dari Otoritas Jasa 5. Conducting follow-up on findings from Financial Services
Keuangan dan Satuan Kerja Internal Audit; Authority and Internal Audit Work Unit;
6. Peningkatan bidang SDM melalui peningkatan internal control, 6. Improvement in the field of HR through internal control
seperti: improvement, like:
a. Pelaksanaan rotasi/mutasi karyawan; a. Implementation of employee rotation/transfer;
b. Pemberian izin cuti kepada karyawan yang telah memiliki b. Granting leave permits to employees who already have
hak cuti sebagaimana diatur dalam ketentuan cuti; serta leave rights as stipulated in the leave terms; and
c. Know your employee sebagai upaya deteksi dini untuk c. Know your employee as an early detection effort to find
mengetahui adanya karyawan yang bermasalah dalam out if there are employees who have problems in loans
pinjaman yang secara langsung/tidak langsung dapat which can directly/indirectly affect work attitudes, so
memengaruhi sikap bekerja, sehingga Bank melakukan that the Bank requests Employee and Prospective Debtor
Permintaan Informasi Debitur (iDeb) Karyawan dan Calon Information (iDeb) through the Financial Information
karyawan melalui Sistem Layanan Informasi Keuangan Service System (SLIK).
(SLIK).
Perkara Penting
Significant Cases
Informasi terkait perkara penting yang dihadapi oleh Bank INA Information related to important cases faced by Bank INA
sepanjang tahun 2024, diurangkan sebagai berikut. throughout 2024 is described as follows.
Jumlah Kasus
Permasalahan Hukum Total Cases
Legal Cases Perdata Pidana
Civil Criminal
Telah mendapat putusan yang mempunyai kekuatan hukum tetap
- -
Has received a decision that has permanent legal force
Dalam proses penyelesaian
1 -
In settlement process
Jumlah
1 -
Total
PT Bank Ina Perdana Tbk 321
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Tata Kelola Perusahaan
Corporate Governance
Status Pengaruh terhadap Sanksi Administrasi
Pokok Perkara Penyelesaian Kondisi Bank Risiko yang Dihadapi yang Diterima
Case Profile Settlement Impact on Bank Risks Faced Administrative
Status Conditions Sanctions Received
KASUS PERDATA
CIVIL CASE
Gugatan Debitur Paul Guntoro Tahap Kasasi
- - -
Lawsuit from Debtor Paul Guntoro On Cassation
Perkara Penting yang Dihadapi Significant Cases Faced by
Dewan Komisaris dan Direksi Tahun 2024 the Board of Commissioners
and Board of Directors in 2024
Tidak terdapat perkara penting yang dihadapi oleh Dewan There was no significant case faced by Bank INA’s Board of
Komisaris maupun Direksi Bank INA selama tahun 2024. Commissioners or Board of Directors throughout 2024.
Sanksi Administratif
Administrative Sanctions
Berikut uraian mengenai sanksi administratif yang diterima Following is the description of administrative sanction received by
Bank INA selama tahun 2024. Bank INA in 2024.
Sanksi yang Diterima
Jenis Pelanggaran
Sanctions Received
Type of Violation
(Rp)
Sanksi Otoritas Jasa Keuangan Terkait Keterlambatan Penyampaian Laporan Penilaian Sendiri Tahun 2023
800.000
Financial Services Authority Sanction for Late Submission of 2023 Self-Assessment Report
Sanksi Laporan Bank Umum Terintegrasi (LBUT) PT Bank Ina Perdana Tbk
300.000
Sanction on Integrated Commercial Bank Report (LBUT) of PT Bank Ina Perdana Tbk
Denda Hasil Pemeriksaan Pajak Tahun 2019 dari Direktorat Jendral Pajak (DJP)
466.629.886
Fines from 2019 Tax Audit Results by the Directorate General of Taxes (DJP)
Sanksi Administrasi Perihal Laporan Hasil Pemeriksaan (LHP) Umum Posisi 31 Januari 2024
350.000
Administrative Sanction for General Audit Report (LHP) as of January 31, 2024
Sanksi Keterlambatan Penyampaian Koreksi Online Laporan Bank Umum Terintegrasi (LBUT)
200.000
Sanction for Late Online Correction Submission to Integrated Commercial Bank Report (LBUT)
Denda Pasal 7 KUP, Keterlambatan Penyampaian SPT Masa PPh Pasal 21
100.000
Fine under Article 7 KUP, Late Submission of Periodic Income Tax Return (PPh) Article 21
Sanksi Pelanggaran atas Koreksi LBUT Harian, Periode April 2024
50.000
Sanction for Violation related to Daily LBUT Correction, April 2024 Period
Sanksi Pelanggaran atas Koreksi LBUT Harian, Periode Juni 2024
100.000
Sanction for Violation related to Daily LBUT Correction, June 2024 Period
Sepanjang tahun 2024, Dewan Komisaris dan Direksi Bank tidak Throughout 2024, the Bank’s Board of Commissioners and Board
menerima sanksi administratif dari regulator. of Directors received no administrative sanction from the regulator.
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Laporan Tahunan 2024
2024 Annual Report
Akses Informasi dan Data
Access to Information and Data
Bank INA memfasilitasi akses informasi dan data yang mudah bagi Bank INA facilitates easy access to information and data for all of
seluruh pemangku kepentingan, melalui: the stakeholders, through:
Feliks Suranta Tarigan
Gedung Ariobimo Sentral
Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5
Sekretaris Perusahaan
Jakarta Selatan 12950
Corporate Secretary T : +62 21 252 5678
F : +62 21 252 5025
C : 1500738
E : corp_sec@bankina.co.id
• Situs web Bank : www.bankina.co.id
• Situs web pasar modal : www.idx.co.id
• Situs web kustodian : www.ksei.co.id
Media Elektronik • Situs web Otoritas Jasa Keuangan : www.ojk.go.id
Electronic Media • Bank website : www.bankina.co.id
• Capital market website : www.idx.co.id
• Custodian website : www.ksei.co.id
• Financial Services Authority website : www.ojk.go.id
Media Sosial • Facebook : Bank Ina
Social Media • Instagram : bankinaperdana
Media Cetak Print Media
Bank INA menggunakan media cetak sebagai sarana penyebaran Bank INA uses print media as a means to disseminate information
informasi yang luas serta untuk memenuhi ketentuan regulator. widely and meet regulatory requirements. The information related
Informasi terkait produk juga disampaikan melalui leaflet dan to product is also delivered via leaflets or brochures that can be
brosur yang dapat diperoleh di setiap kantor cabang. obtained at each branch office.
Siaran Pers Press Releases
Untuk mendukung pembaruan informasi mengenai kinerja dan To support the update of information regarding performance and
aktivitas korporasi, Bank secara berkala merilis siaran pers sebagai corporate activities, the Bank periodically issues press releases as
bentuk transparansi dan penyampaian informasi yang akurat a form of transparency and the provision of accurate information to
kepada publik mengenai perkembangan terkini. Berikut adalah the public regarding the latest developments. Below is a summary
ringkasan siaran pers yang telah diterbitkan sepanjang tahun 2024. of the press releases issued throughout 2024.
Tanggal Informasi
Media
Date Information
4 Januari 2024 Koran Merapi Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Bank INA
January 4, 2024 Second Announcement of the Execution of Mortgage Auction by Bank INA
4 Januari 2024 Marketing Kemudahan Bagi Konsumen Miliki Properti di BSD City
January 4, 2024 Ease for Consumers to Own Property in BSD City
4 Januari 2024 Bisnis Surabaya Pabrik Arang Karangpilang Agung Perbesar Kapasitas Produksi 106 Kontainer per Bulan
January 4, 2024 Karangpilang Agung Charcoal Factory Increases Production Capacity to 106 Containers per Month
5 Januari 2024 Kontan Pengumuman Perubahan Logo
January 5, 2024 Announcement of Logo Change
8 Januari 2024 Jawa Pos Penuhi Pasar Ekspor, Karangpilang Agung Genjot Kapasitas Produksi
January 8, 2024 To Meet Export Market Demand, Karangpilang Agung Boosts Production Capacity
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Tata Kelola Perusahaan
Corporate Governance
Tanggal Informasi
Media
Date Information
8 Januari 2024 Bisnis Indonesia Penuhi Pasar Ekspor, Karangpilang Agung Genjot Kapasitas Produksi
January 8, 2024 To Meet Export Market Demand, Karangpilang Agung Boosts Production Capacity
9 Januari 2024 Kompas Transformasi Briket Arang PT Karangpilang Agung
January 9, 2024 Transformation of Charcoal Briquettes by PT Karangpilang Agung
12 Januari 2024 Radar Bali Bank INA Double Untungnya
January 12, 2024 Bank INA Doubles Its Profit
12 Januari 2024 Tribun Jateng Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Bank INA
January 12, 2024 Second Announcement of the Execution of Mortgage Auction by Bank INA
17 Januari 2024 Kontan Pengumuman Perubahan Nama dan Relokasi KC Pasar Minggu menjadi KC Melawai
January 17, 2024 Announcement of Name Change and Relocation of KC Pasar Minggu to KC Melawai
17 Januari 2024 Koran Merapi Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Bank INA
January 17, 2024 Second Announcement of the Execution of Mortgage Auction by Bank INA
23 Januari 2024 Memorandum Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Bank INA
January 23, 2024 Second Announcement of the Execution of Mortgage Auction by Bank INA
1 Februari 2024 infobanknews.com Ekspansi Bisnis, Bank INA Buka Kantor Cabang ke-45 di Jakarta Selatan
February 1, 2024 Business Expansion, Bank INA Opens 45th Branch in South Jakarta
1 Februari 2024 kompas.com Ganti Logo, Dirut Bank INA: Menegaskan bahwa “Member of Salim Group”
February 1, 2024 Change of Logo, CEO of Bank INA: Emphasizing “Member of Salim Group”
1 Februari 2024 id.tradingview.com Bank INA Tambah Kantor dan Hadirkan Layanan Safe Deposit Box
1 February 2024 Bank INA Adds Branch and Introduces Safe Deposit Box Service
1 Februari 2024 kontan.co.id Bank INA Tambah Kantor dan Hadirkan Layanan Safe Deposit Box
February 1, 2024 Bank INA Adds Branch and Introduces Safe Deposit Box Service
2 Februari 2024 Bisnis Indonesia Peresmian Kantor Cabang Bank INA Melawai
February 2, 2024 Inauguration of Bank INA Melawai Branch
2 Februari 2024 idxchannel.com Pasar Progresif, Bank INA (BINA) Mulai Garap Bisnis SDB dan Perluas Ekspansi
February 2, 2024 Progressive Market, Bank INA (BINA) Begins Safe Deposit Box Business and Expands Expansion
2 Februari 2024 indopremier.com/ Pasar Progresif, Bank INA (BINA) Mulai Garap Bisnis SDB dan Perluas Ekspansi
February 2, 2024 ipotnews Progressive Market, Bank INA (BINA) Begins Safe Deposit Box Business and Expands Expansion
6 Februari 2024 lots.co.id Bank INA (BINA) Gandeng MPIX Garap Jaringan UMKM
February 6, 2024 Bank INA (BINA) Partners with MPIX to Develop MSME Network
6 Februari 2024 idxchannel.com Gandeng MPStore (MPIX), Bank INA (BINA) Perluas Jangkauan ke UMKM
February 6, 2024 Partnering with MPStore (MPIX), Bank INA (BINA) Expands Reach to MSMEs
6 Februari 2024 emitennews.com Bank INA (BINA) Gandeng MPIX Garap Jaringan UMKM
February 6, 2024 Bank INA (BINA) Partners with MPIX to Develop MSME Network
6 Februari 2024 facsekuritas.co.id Bank INA (BINA) Gandeng MPIX Garap Jaringan UMKM
February 6, 2024 Bank INA (BINA) Partners with MPIX to Develop MSME Network
6 Februari 2024 id.tradingview.com Bank INA Gandeng MPStore Perluas Ekosistem UMKM
February 6, 2024 Bank INA Partners with MPStore to Expand MSME Ecosystem
6 Februari 2024 kontan.co.id Bank INA Gandeng MPStore Perluas Ekosistem UMKM
February 6, 2024 Bank INA Partners with MPStore to Expand MSME Ecosystem
6 Februari 2024 tribunnews.com Percepat Bisnis UMKM di Indonesia, Perbankan Kerja Sama dengan Perusahaan Teknologi
February 6, 2024 Accelerating MSME Business in Indonesia, Banking Partners with Technology Companies
6 Februari 2024 jpnn.com Perluas Jangkauan, Bank INA Digital Gandeng MPStore
February 6, 2024 Expanding Reach, Bank INA Digital Partners with MPStore
6 Februari 2024 bisnis.com Bank INA (BINA) Gandeng Calon Emiten MPStore (MPIX) Penetrasi UMKM
February 6, 2024 Bank INA (BINA) Partners with Prospective Issuer MPStore (MPIX) to Penetrate MSME Market
6 Februari 2024 halloindo.com Perluas Jangkauan, Bank INA Digital Gandeng MPStore
February 6, 2024 Expanding Reach, Bank INA Digital Partners with MPStore
6 Februari 2024 suara.com Cara Bank INA Digital Bantu UMKM Biar Tambah Cuan
February 6, 2024 How Bank INA Digital Helps MSMEs Increase Profits
6 Februari 2024 wartaekonomi.co.id Bank INA Digital Jalin Kerja Sama dengan MPStore, Perluas Jangkauan untuk Dukung Kemajuan UMKM
February 6, 2024 Bank INA Digital Establishes Partnership with MPStore, Expands Reach to Support MSME Progress
6 Februari 2024 liputan6.com UMKM Buka Tabungan di Bank Digital, Apa Untungnya?
February 6, 2024 MSMEs Open Accounts at Digital Banks, What’s the Benefit?
7 Februari 2024 banyumas.news Gandeng Emiten Teknologi, Bank Digital Grup Salim Bidik 650.000 UMKM
February 7, 2024 Partnering with Technology Issuer, Salim Group’s Digital Bank Targets 650,000 MSMEs
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2024 Annual Report
Tanggal Informasi
Media
Date Information
7 Februari 2024 lots.co.id Bank INA Digital dan MP Store Kerja Sama Berdayakan UMKM
February 7, 2024 Bank INA Digital and MP Store Collaborate to Empower MSMEs
7 Februari 2024 Jawa Pos Akselerasi UMKM, BINA Gandeng MPIX
February 7, 2024 Accelerating MSMEs, BINA Partners with MPIX
7 Februari 2024 Warta Kota Upaya Perbankan Percepat Bisnis UMKM
February 7, 2024 Banking Efforts to Accelerate MSME Business
7 Februari 2024 stockreview.id Bank INA Digital Jalin Kerja Sama dengan MPStore, Perluas Jangkauan untuk Dukung Kemajuan UMKM
February 7, 2024 Bank INA Digital Establishes Partnership with MPStore, Expands Reach to Support MSME Progress
7 Februari 2024 Tribun Pekanbaru Bank INA Gandeng MPStore
February 7, 2024 Bank INA Partners with MPStore
7 Februari 2024 Sriwijaya Post Perbankan Kerja Sama dengan Perusahaan Teknologi
February 7, 2024 Banking Collaborates with Technology Companies
7 Februari 2024 beritasatu.com Gandeng Emiten Teknologi, Bank Digital Grup Salim Bidik 650.000 UMKM
February 7, 2024 Partnering with Technology Issuer, Salim Group’s Digital Bank Targets 650,000 MSMEs
7 Februari 2024 Koran Merapi Bank Ina Pengumuman Kedua Lelang Eksekusi Hak Tanggungan PT Rifka Binamitra Jaya
February 7, 2024 Bank INA Second Announcement of Mortgage Execution Auction for PT Rifka Binamitra Jaya
7 Februari 2024 investor.id Bank INA Digital dan MP Store Kerja Sama Berdayakan UMKM
February 7, 2024 Bank INA Digital and MP Store Collaborate to Empower MSMEs
7 Februari 2024 bisnis.com Baru IPO, MPStore (MPIX) Gandeng Grup Salim, Lippo hingga MNC Penetrasi UMKM
February 7, 2024 Just IPO, MPStore (MPIX) Partners with Salim Group, Lippo, and MNC to Penetrate MSME Market
8 Februari 2024 medcom.id Dukung Kemajuan UMKM, Bank INA Digital Gandeng MPStore
February 8, 2024 Supporting MSME Progress, Bank INA Digital Partners with MPStore
9 Februari 2024 Mercusuar Bank INA Penetrasi UMKM
February 9, 2024 Bank INA Penetrates MSME Market
9 Februari 2024 Radar Bali Iklan - Bank INA
February 9, 2024 Advertisement - Bank INA
9 Februari 2024 Tribun Bali Iklan - Bank INA
February 9, 2024 Advertisement - Bank INA
22 Februari 2024 indopremier.com/ Pemanggilan Rapat Umum Pemegang Saham Luar Biasa BINA
February 22, 2024 ipotnews Call for Extraordinary General Meeting of Shareholders of BINA
22 Februari 2024 bisnis.com Bank Milik Salim (BINA) Rancang RUPSLB Angkat Direktur Baru, Intip Profilnya
February 22, 2024 Salim-Owned Bank (BINA) Plans Extraordinary General Meeting to Appoint New Director, Check His Profile
23 Februari 2024 emitennews.com Bank INA (BINA) Akan Minta Restu Rombak Direksi
February 22, 2024 Bank INA (BINA) Will Seek Approval to Reshuffle the Board of Directors
24 Februari 2024 marketnews.id Salim Group Semakin Mantap Besarkan Bank Ina Perdana Tbk (BINA)
February 22, 2024 Salim Group More Determined to Expand Bank Ina Perdana Tbk (BINA)
24 Februari 2024 economicreview.id Bank INA Raih GCG Award 2024 dengan Implementasi GCG Berbasis Digital
24 February 2024 Bank INA Wins GCG Award 2024 with Digital-Based GCG Implementation
25 Februari 2024 stockreview.id Minta Restu Bank ina (BINA) Akan Rombak Direksi
February 22, 2024 Seeking Approval, Bank INA (BINA) Will Reshuffle the Board of Directors
1 Maret 2024 Kontan Iklan - Pemberitahuan Bank ina
February 22, 2024 Advertisement - Bank INA Notification
12 Maret 2024 Radar Bali Iklan - Bank INA Transfer antar Bank Gratis Cepat
March 12, 2024 Advertisement - Bank INA Free and Fast Interbank Transfers
13 Maret 2024 eco.hobinews.com Crazy Rich Madura Gandeng Bank Milik Salim dan Bidik 100 Juta Nasabah
March 13, 2024 Crazy Rich Madura Partners with Salim-Owned Bank to Target 100 Million Customers
13 Maret 2024 cnbcindonesia.com Crazy Rich Madura Gandeng Bank Milik Salim dan Bidik 100 Juta Nasabah
March 13, 2024 Crazy Rich Madura Partners with Salim-Owned Bank to Target 100 Million Customers
15 Maret 2024 idxchannel.com Mitra Pedagang (MPIX) Gandeng Warung dan Bank INA (BINA) Jangkau Masyarakat Unbanked
March 15, 2024 Merchant Partner (MPIX) Partners with Warung and Bank INA (BINA) to Reach the Unbanked Community
15 Maret 2024 indopremier.com/ Mitra Pedagang (MPIX) Gandeng Warung dan Bank INA (BINA) Jangkau Masyarakat Unbanked
March 15, 2024 ipotnews Merchant Partner (MPIX) Partners with Warung and Bank INA (BINA) to Reach the Unbanked Community
16 Maret 2024 bisnis.com MPStore Gandeng Bank INA Bidik 100 Juta Orang yang Belum Miliki Rekening
March 16, 2024 MPStore Partners with Bank INA to Target 100 Million People Without Bank Accounts
16 Maret 2024 Radar Bali Iklan - Bank INA
March 16, 2024 Advertisement - Bank INA
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Tata Kelola Perusahaan
Corporate Governance
Tanggal Informasi
Media
Date Information
18 Maret 2024 investor.id MPStore Gandeng Warung Jangkau Masyarakat Unbanked
March 18, 2024 MPStore Partners with Warung to Reach the Unbanked Community
19 Maret 2024 sinarmassekuritas. RUPSLB Bank Ina Perdana (BINA) Setujui Dewi K. Prodjohartono Sebagai Direktur
March 19, 2024 co.id Bank Ina Perdana (BINA) Extraordinary General Meeting Approves Dewi K. Prodjohartono as Director
19 Maret 2024 id.tradingview.com Bank INA Tunjuk Dewi K. Prodjohartono sebagai Direktur Commercial Banking
March 19, 2024 Bank INA Appoints Dewi K. Prodjohartono as Director of Commercial Banking
19 Maret 2024 kontan.co.id Bank INA Tunjuk Dewi K. Prodjohartono sebagai Direktur Commercial Banking
March 19, 2024 Bank INA Appoints Dewi K. Prodjohartono as Director of Commercial Banking
29 Maret 2024 economicreview.id Bank Ina Perdana Tbk, Raih ICCA IX-2024
March 29, 2024 Bank Ina Perdana Tbk, Wins ICCA IX-2024
31 Maret 2024 Radar Bali Iklan - Bank INA Gratis & Cepat Transfer Antar Bank
March 31, 2024 Advertisement - Bank INA Free & Fast Interbank Transfers
1 April 2024 Businessupdate.id Laba Bank INA sepanjang 2023 melonjak 32,36 Persen
April 1, 2024 Bank INA’s Profit in 2023 Soared by 32.36%
1 April 2024 Bisnis.com Bank Milik Anthony Salim (BINA) Raup Laba Rp207,87 Miliar, Melesat 32,36%
April 1, 2024 Anthony Salim’s Bank (BINA) Earns Profit of Rp207.87 Billion, Jumping 32.36%
2 April 2024 Emitennews.com Emiten Bank Grup Salim (BINA) Cetak Laba 2023 Rp207M, Naik 32 Persen
April 2, 2024 Salim Group’s Bank Issuer (BINA) Posts 2023 Profit of Rp207M, Up 32%
2 April 2024 Kontan.co.id Bank INA (BINA) Raup Laba Rp207,87 Miliar pada Tahun 2023
April 2, 2024 Bank INA (BINA) Earns Profit of Rp207.87 Billion in 2023
3 April 2024 Infobank 500 Most Outstanding Woman 2024
April 3, 2024 500 Most Outstanding Women 2024
3 April 2024 Britama.com Laporan Keuangan Bank Ina Perdana Tbk (BINA) Tahun 2023
April 3, 2024 Financial Report of Bank Ina Perdana Tbk (BINA) for 2023
17 April 2024 Memorandum Iklan - Pengumuman Kedua Lelang Eksekusi Hak Tanggungan PT Bank INA
April 17, 2024 Advertisement - Second Announcement of Mortgage Execution Auction for PT Bank INA
20 April 2024 emitennews.com Melejit 32 Persen, Bank Salim Group (BINA) 2023 Raup Laba Rp207 Miliar
April 20, 2024 Soaring by 32%, Salim Group Bank (BINA) Earns Profit of Rp207 Billion in 2023
21 April 2024 indoposnews.co.id Melejit 32 Persen, Bank Salim Group (BINA) 2023 Raup Laba Rp207 Miliar
April 21, 2024 Soaring by 32%, Salim Group Bank (BINA) Earns Profit of Rp207 Billion in 2023
23 April 2024 bcasekuritas.co.id Bank Ina Perdana Catat Pendapatan Bunga Neto Rp181,98 Miliar hingga Maret 2024
April 23, 2024 Bank Ina Perdana Records Net Interest Income of Rp181.98 Billion through March 2024
23 April 2024 emitennews.com Drop 44 Persen, Laba Bank Salim Group (BINA) Kuartal I Sisa Rp32 M
April 23, 2024 Down 44%, Salim Group Bank (BINA) Q1 Profit Stands at Rp32 Million
23 April 2024 waterfrontsekuritas. Drop 44 Persen, Laba Bank Salim Group (BINA) Kuartal I Sisa Rp32 M
April 23, 2024 com Down 44%, Salim Group Bank (BINA) Q1 Profit Stands at Rp32 Million
23 April 2024 lots.co.id Drop 44 Persen, Laba Bank Salim Group (BINA) Kuartal I Sisa Rp32 M
April 23, 2024 Down 44%, Salim Group Bank (BINA) Q1 Profit Stands at Rp32 Million
23 April 2024 facsekuritas.co.id Drop 44 Persen, Laba Bank Salim Group (BINA) Kuartal I Sisa Rp32 M
April 23, 2024 Down 44%, Salim Group Bank (BINA) Q1 Profit Stands at Rp32 Million
23 April 2024 indopremier.com/ Financial Statements 1Q 2024 of BINA
April 23, 2024 ipotnews BINA’s Financial Statements for Q1 2024
23 April 2024 financialreview.id Kuartal I-2024, Laba Bersih Bank Milik Salim Group (BINA) Anjlok 44,22% Jadi Rp32,8 Miliar
April 23, 2024 Q1 2024, Net Profit of Salim Group Bank (BINA) Drops 44.22% to Rp32.8 Billion
23 April 2024 indopremier.com/ Kredit Turun, Laba Bersih BINA di Kuartal I-2024 Melorot 44,2% Jadi Rp32,8 Miliar
April 23, 2024 ipotnews Credit Down, BINA’s Net Profit in Q1-2024 Falls by 44.2% to Rp32.8 Billion
23 April 2024 pasardana.id Laba BINA Milik Anthoni Salim Turun 44 Persen di Kuartal I 2024
April 23, 2024 Anthoni Salim’s BINA Profit Drops by 44% in Q1 2024
23 April 2024 pasardana.id Laba Emiten Milik Anthoni Salim Ini Turun 44 Persen di Kuartal I 2024
April 23, 2024 Profit of Anthoni Salim’s Issuer Drops by 44% in Q1 2024
23 April 2024 beritamoneter.com Kredit Turun, Laba Bersih BINA di Kuartal I-2024 Melorot 44,2%
April 23, 2024 Credit Down, BINA’s Net Profit in Q1-2024 Drops by 44.2%
326 PT Bank Ina Perdana Tbk
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Tanggal Informasi
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25 April 2024 indoposnews.co.id Nyungsep 44 Persen, Laba Bank Salim Group Sisa Rp32 Miliar
April 25, 2024 Down 44%, Salim Group Bank Profit Stands at Rp32 Billion
26 April 2024 infobanknews.com Bank Ina Perdana Ditunjuk Jadi Bank Persepsi | Infobanknews
April 26, 2024 Bank Ina Perdana Appointed as Perception Bank | Infobanknews
26 April 2024 kompas.com Bank Ina Ditunjuk sebagai Bank Persepsi
April 26, 2024 Bank Ina Appointed as Perception Bank
26 April 2024 id.tradingview.com Laba Bersih Bank Ina Perdana (BINA) Merosot 44% pada Kuartal I-2024
April 26, 2024 Bank Ina Perdana’s (BINA) Net Profit Drops by 44% in Q1-2024
26 April 2024 kontan.co.id Laba Bersih Bank Ina Perdana (BINA) Merosot 44% pada Kuartal I-2024
April 26, 2024 Bank Ina Perdana’s (BINA) Net Profit Drops by 44% in Q1-2024
27 April 2024 receh.in Laporan Keuangan BINA Kuartal I-2024, Laba Bersih Rp181,99 Miliar
April 27, 2024 BINA’s Q1 2024 Financial Report, Net Profit of Rp181.99 Billion
27 April 2024 kontan.co.id Bank Ina Perdana (BINA) Kantongi Laba Rp 32,82 Miliar pada Kuartal I-2024
April 27, 2024 Bank Ina Perdana (BINA) Records Profit of Rp32.82 Billion in Q1-2024
27 April 2024 id.tradingview.com Bank Ina Perdana (BINA) Kantongi Laba Rp 32,82 Miliar pada Kuartal I-2024
April 27, 2024 Bank Ina Perdana (BINA) Records Profit of Rp32.82 Billion in Q1-2024
27 April 2024 bisnis.com Kementerian Keuangan Resmi Tunjuk Bank INA (BINA) Jadi Bank Persepsi
April 27, 2024 The Ministry of Finance Officially Appoints Bank INA (BINA) as a Perception Bank
4 Mei 2024 Radar Bali Iklan - Bank INA Buka Tabungan Hattrick Keuntungan
May 4, 2024 Advertisement - Bank INA Launches Hattrick Profit Savings Account
5 Mei 2024 bisnis.com Laba Bank Milik Salim (BINA) Rp32,82 Miliar pada Kuartal I/2024, Turun 44,22%
May 5, 2024 Salim’s Bank (BINA) Earns Rp32.82 Billion in Q1/2024, Down 44.22%
6 Mei 2024 cnbcindonesia.com Beban Membengkak, Laba Bank INA (BINA) Milik Salim Anjlok 44,22%
May 6, 2024 Rising Costs, Salim’s Bank INA (BINA) Profit Drops by 44.22%
6 Mei 2024 indopremier.com/ Beban Membengkak, Laba Bank INA (BINA) Milik Salim Anjlok 44,22%
May 6, 2024 ipotnews Rising Costs, Salim’s Bank INA (BINA) Profit Drops by 44.22%
8 Mei 2024 kompas.com Bank INA Buka Kantor Cabang di PIK, Tebar Berbagai Promo
May 8, 2024 Bank INA Opens Branch in PIK, Offering Various Promotions
8 Mei 2024 kontan.co.id Tingkatkan Layanan, Bank INA Buka Kantor Cabang di Pantai Indah Kapuk
May 8, 2024 Enhancing Services, Bank INA Opens Branch in Pantai Indah Kapuk
8 Mei 2024 id.tradingview.com Tingkatkan Layanan, Bank INA Buka Kantor Cabang di Pantai Indah Kapuk
May 8, 2024 Enhancing Services, Bank INA Opens Branch in Pantai Indah Kapuk
8 Mei 2024 idxchannel.com Laba Bank INA (BINA) Naik jadi Rp152 Miliar sepanjang 2023
May 8, 2024 Bank INA (BINA) Profit Rises to Rp152 Billion in 2023
8 Mei 2024 indopremier.com/ Laba Bank INA (BINA) Naik jadi Rp152 Miliar sepanjang 2023
May 8, 2024 ipotnews Bank INA (BINA) Profit Rises to Rp152 Billion in 2023
13 Mei 2024 wartaekonomi.co.id Perluas Layanan, Bank INA Buka Kantor Cabang Baru
May 13, 2024 Expanding Services, Bank INA Opens New Branch
17 Mei 2024 Tribun Jateng Iklan - Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Bank Ina
May 17, 2024 Advertisement - Second Announcement of Mortgage Execution Auction for Bank Ina
17 Mei 2024 bisnis.com Bank INA Milik Salim Resmi Punya Direktur Baru, Ini Susunan Pengurus Lengkapnya
May 17, 2024 Salim’s Bank INA Officially Appoints New Director, Here’s the Full Management Lineup
17 Mei 2024 businessupdate.id Dapat Persetujuan OJK, Ini Susunan Direksi dan Komisaris Bank INA
May 17, 2024 Approved by OJK, Here’s the Board of Directors and Board of Commissioners of Bank INA
19 Mei 2024 stockreview.id Dewi K. Prodjohartono Diangkat Jadi Direktur Komersial Banking Bank INA
May 19, 2024 Dewi K. Prodjohartono Appointed as Director of Commercial Banking at Bank INA
21 Mei 2024 Koran Merapi Iklan - Bank INA Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Djuwarso
May 21, 2024 Advertisement - Bank INA Second Announcement of Mortgage Execution Auction for Djuwarso
29 Mei 2024 indopremier.com/ Pemanggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa BINA
May 29, 2024 ipotnews Invitation for BINA’s Annual and Extraordinary General Meeting of Shareholders
PT Bank Ina Perdana Tbk 327
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Date Information
30 Mei 2024 Radar Bali Iklan - Bank INA Raih 3 keuntungan untuk Fans
May 30, 2024 Advertisement - Bank INA Wins 3 Benefits for Fans
30 Mei 2024 bisnis.com Bank milik Grup Salim (BINA) Gelar RUPS Bulan Depan, Ada Bahas Penggunaan Laba
May 30, 2024 Salim Group’s Bank (BINA) Holds AGM Next Month, Will Discuss Profit Allocation
30 Mei 2024 economicreview.id Direktur Bisnis Retail PT Bank Ina Perdana, Yandy Ramadhani Raih The Best Director ISMA VII 2024
May 30, 2024 Retail Business Director of PT Bank Ina Perdana, Yandy Ramadhani, Wins The Best Director at ISMA VII 2024
30 Mei 2024 kompas.com Bank INA Sediakan Kredit Properti untuk Kota Podomoro Tenjo
May 30, 2024 Bank INA Provides Property Loans for Kota Podomoro Tenjo
30 Mei 2024 economicreview.id Bank INA Raih Dua Penghargaan Bergengsi Sales & Marketing ISMA 2024
May 30, 2024 Bank INA Wins Two Prestigious Sales & Marketing Awards at ISMA 2024
31 Mei 2024 infobanknews.com Bank INA Fasilitasi Pembiayaan Properti Kota Podomoro Tenjo
May 31, 2024 Bank INA Facilitates Property Financing for Kota Podomoro Tenjo
31 Mei 2024 idxchannel.com Bank INA (BINA) Kerja Sama Fasilitas Pembiayaan Properti dengan Agung Podomoro (APLN)
May 31, 2024 Bank INA (BINA) Partners with Agung Podomoro (APLN) for Property Financing Facility
31 Mei 2024 bisnis.com Bank INA (BINA) Gandeng Agung Podomoro (APLN) Garap Pasar KPR
May 31, 2024 Bank INA (BINA) Partners with Agung Podomoro (APLN) to Tap into Mortgage Market
31 Mei 2024 businessupdate.id Bank INA Jalin Kerja Sama dengan Podomoro Land, Sediakan KPR
May 31, 2024 Bank INA Partners with Podomoro Land to Provide Mortgages
31 Mei 2024 id.tradingview.com Bank Ina Fasilitasi Pembiayaan Properti Kota Podomoro Tenjo
May 31, 2024 Bank Ina Facilitates Property Financing for Kota Podomoro Tenjo
31 Mei 2024 kontan.co.id Bank Ina Fasilitasi Pembiayaan Properti Kota Podomoro Tenjo
May 31, 2024 Bank Ina Facilitates Property Financing for Kota Podomoro Tenjo
5 Juni 2024 Koran Jakarta Iklan - Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Bank Ina
June 5, 2024 Advertisement - Second Announcement of Mortgage Execution Auction for Bank Ina
13 Juni 2024 Radar Malang Iklan - Pengumuman Kedua Lelang Eksekusi Hak Tanggungan PT Bank Ina Perdana, Tbk
June 13, 2024 Advertisement - Second Announcement of Mortgage Execution Auction for PT Bank Ina Perdana, Tbk
13 Juni 2024 Republika Kuartal I, Bank INA Raih Laba Bersih Rp 58,83 Miliar
June 13, 2024 In Q1, Bank INA Earns Net Profit of Rp58.83 Billion
20 Juni 2024 Koran Merapi Iklan - Bank INA Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Fani Suwito
June 20, 2024 Advertisement - Bank INA Second Announcement of Mortgage Execution Auction for Fani Suwito
24 Juni 2024 bisnis.com Bank Milik Anthony Salim (BINA) Tak Bagi Dividen Tahun Buku 2023
June 24, 2024 Anthony Salim’s Bank (BINA) Does Not Distribute Dividend for Financial Year 2023
25 Juni 2024 Satelit News Iklan - Pengumuman Kedua Lelang Eksekusi Hak Tanggungan PT Bank Ina
June 25, 2024 Advertisement - Second Announcement of Mortgage Execution Auction for PT Bank Ina
2 Juli 2024 Bisnis Indonesia Kinerja Bank INA Sepanjang Tahun 2023
July 2, 2024 Bank INA’s Performance Throughout 2023
10 Juli 2024 Rakyat Sulsel Pengumuman Kedua Lelang Eksekusi Hak Tanggungan PT Bank Ina Perdana Tbk
July 10, 2024 Second Announcement of Mortgage Execution Auction for PT Bank Ina Perdana Tbk
11 Juli 2024 IDX Channel Aset Bank INA (BINA) Capai Rp24,38 Triliun Sepanjang 2023
July 11, 2024 Bank INA (BINA) Assets Reach Rp24.38 Trillion in 2023
11 Juli 2024 Indo Premier Aset Bank INA (BINA) Capai Rp24,38 Triliun Sepanjang 2023
July 11, 2024 Bank INA (BINA) Assets Reach Rp24.38 Trillion in 2023
11 Juli 2024 Kompas Bank Ina Buka Kantor Cabang di Bogor
July 11, 2024 Bank Ina Opens Branch in Bogor
11 Juli 2024 Infobank Perluas Layanan, Bank INA Resmikan Kantor Cabang Baru di Bogor
July 12, 2024 Expanding Services, Bank INA Inaugurates New Branch in Bogor
11 Juli 2024 Indo Premier Perluas Jaringan, Bank Milik Salim Group (BINA) Lanjut Buka Kantor Cabang Baru
July 12, 2024 Expanding Network, Salim Group’s Bank (BINA) Continues to Open New Branches
11 Juli 2024 Suara Incar Nasabah Prioritas, Bank Milik Anthony Salim Tawarkan Safe Deposit Box
July 12, 2024 Targeting Priority Customers, Anthony Salim’s Bank Offers Safe Deposit Boxes
11 Juli 2024 Finansial Review Bank Milik Salim Group (BINA) Buka Cabang di Tengah Tren Praktik Branchless Banking
July 12, 2024 Salim Group’s Bank (BINA) Opens Branch Amidst the Branchless Banking Trend
11 Juli 2024 IDX Channel Tumbuh 30 Persen, Kredit Bank Ina (BINA) Capai Rp12,6 Triliun di Kuartal I-2024
July 12, 2024 Growing 30%, Bank Ina (BINA) Loan Portfolio Reaches Rp12.6 Trillion in Q1-2024
11 Juli 2024 Infobank Perluas Layanan, Bank INA Resmikan Kantor Cabang Baru di Bogor
July 12, 2024 Expanding Services, Bank INA Inaugurates New Branch in Bogor
11 Juli 2024 Medcom Bank INA Perluas Layanan dengan Buka Kantor Cabang di Bogor
July 12, 2024 Bank INA Expands Services by Opening Branch in Bogor
328 PT Bank Ina Perdana Tbk
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2024 Annual Report
Tanggal Informasi
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Date Information
11 Juli 2024 Warta Ekonomi Bank INA Perluas Jaringan dengan Kembali Membuka Kantor Cabang Baru
July 12, 2024 Bank INA Expands Network by Reopening New Branch
11 Juli 2024 Kontan Perluas Layanan, Bank INA Buka Kantor Cabang di Bogor
July 12, 2024 Expanding Services, Bank INA Opens Branch in Bogor
11 Juli 2024 Trading View Perluas Layanan, Bank INA Buka Kantor Cabang di Bogor
July 12, 2024 Expanding Services, Bank INA Opens Branch in Bogor
11 Juli 2024 Berita Moneter Bank Milik Salim Group (BINA) Lanjut Buka Kantor Cabang Baru
July 12, 2024 Salim Group’s Bank (BINA) Continues to Open New Branches
16 Juli 2024 Neraca Perluas Layanan, Bank INA Buka Kantor Cabang di Bogor
July 16, 2024 Expanding Services, Bank INA Opens Branch in Bogor
16 Juli 2024 Neraca Perluas Layanan, Bank INA Buka Kantor Cabang di Bogor
July 16, 2024 Expanding Services, Bank INA Opens Branch in Bogor
23 Juli 2024 Bisnis Indonesia Aset Bank INA Tumbuh
July 23, 2024 Bank INA’s Assets Grow
31 Juli 2024 The Ponsel Bank INA Rilis Kartu Debit Bina Digital, Tarik Tunai Bebas Biaya
July 31, 2024 Bank INA Launches Bina Digital Debit Card, Free Cash Withdrawal
31 Juli 2024 Harian Aceh Perluas Layanan Digital, Bank INA Luncurkan Bina Digital, Ini Keunggulannya
July 31, 2024 Expanding Digital Services, Bank INA Launches Bina Digital, Here Are the Advantages
31 Juli 2024 Infobank Lewat Cara Ini, Bank INA Perluas Layanan Produk Digital
July 31, 2024 Through This Approach, Bank INA Expands Digital Product Services
31 Juli 2024 Kontan Pengguna Aplikasi Bina Digital dari Bank INA Kini Bisa Tarik Tunai di Seluruh ATM
July 31, 2024 Bina Digital App Users from Bank INA Can Now Withdraw Cash at All ATMs
31 Juli 2024 Marketing Kartu Debit Bina Bebas Biaya Tarik Tunai di Seluruh ATM
July 31, 2024 Bina Debit Card Offers Free Cash Withdrawals at All ATMs
31 Juli 2024 Liputan6 Bank INA Luncurkan Kartu Debit Bina Digital, Ini Sederet Keunggulannya
July 31, 2024 Bank INA Launches Bina Digital Debit Card, Here Are Its Advantages
31 Juli 2024 VOI Bank INA Luncurkan Kartu Debit Digital
July 31, 2024 Bank INA Launches Digital Debit Card
31 Juli 2024 IDX Channel Perluas Layanan Produk Digital, Bank INA (BINA) Lakukan Ini
July 31, 2024 Expanding Digital Product Services, Bank INA (BINA) Does This
31 Juli 2024 Warta Ekonomi Hadirkan Kemudahan Bertransaksi, Bank Ina Luncurkan Kartu Debit Bina Digital
July 31, 2024 Bringing Transaction Convenience, Bank Ina Launches Bina Digital Debit Card
31 Juli 2024 Republika Perluas Layanan Digital, Bank INA Luncurkan Bina Digital, Ini Keunggulannya
July 31, 2024 Expanding Digital Services, Bank INA Launches Bina Digital, Here Are the Advantages
31 Juli 2024 Berita Baru Perluas Layanan Digital, Bank INA Luncurkan Bina Digital, Ini Keunggulannya
July 31, 2024 Expanding Digital Services, Bank INA Launches Bina Digital, Here Are the Advantages
31 Juli 2024 Medcom Kartu Debit Bina Digital Dirilis, Tarik Tunai di Seluruh ATM Gak Kena Biaya
July 31, 2024 Bina Digital Debit Card Released, Free Cash Withdrawals at All ATMs
31 Juli 2024 JPNN Kartu Debit Bina Digital dari Bank INA Dirilis, Bisa Tarik Tunai Bebas Biaya di Seluruh ATM
July 31, 2024 Bina Digital Debit Card from Bank INA Released, Free Cash Withdrawals at All ATMs
31 Juli 2024 CNBC Indonesia Laba Bank Ina (BINA) Salim Rp 69 M, Jeblok 40% di Semester I-2024
July 31, 2024 Bank Ina (BINA) Salim Earns Rp69M, Drops 40% in H1-2024
31 Juli 2024 Hallo Indo Kartu Debit Bina Digital dari Bank INA Dirilis, Bisa Tarik Tunai Bebas Biaya di Seluruh ATM
July 31, 2024 Bina Digital Debit Card from Bank INA Released, Free Cash Withdrawals at All ATMs
31 Juli 2024 Antaranews Bank INA Hadirkan Kartu Debit untuk Fasilitasi Pengguna Bina Digital
July 31, 2024 Bank INA Introduces Debit Card to Facilitate Bina Digital Users
31 Juli 2024 Tabloidpulsa Kartu Debit Bina Digital Bank INA Layani Tarik Tunai Bebas Biaya
July 31, 2024 Bank INA’s Bina Digital Debit Card Facilitates Free Cash Withdrawals
1 Agustus 2024 Kompas Bank INA Hadirkan Kartu Debit Bina Digital, Ini Fiturnya
August 1, 2024 Bank INA Introduces Bina Digital Debit Card, Here Are the Features
1 Agustus 2024 Suara Bank INA Luncurkan Kartu Debit BINA Digital, Bebas Biaya di ATM Manapun
August 1, 2024 Bank INA Launches BINA Digital Debit Card, No Fees at Any ATM
1 Agustus 2024 Sinarmas Sekuritas Manjakan Nasabah, Kartu Debit Bina Digital Layani Tarik Tunai Bebas Biaya di Seluruh ATM di Indonesia
August 1, 2024 Pampering Customers, Bina Digital Debit Card Offers Free Cash Withdrawals at All ATMs in Indonesia
1 Agustus 2024 Radar Lebong PT Bank Ina Perdana Tbk Menghadirkan Kartu Debit Bina Digital
August 1, 2024 PT Bank Ina Perdana Tbk Introduces Bina Digital Debit Card
2 Agustus 2024 Neraca Bank INA Luncurkan Kartu Debit untuk Fasilitasi Pengguna Bina Digital
August 2, 2024 Bank INA Launches Debit Card to Facilitate Bina Digital Users
PT Bank Ina Perdana Tbk 329
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Date Information
2 Agustus 2024 SWA Permudah Tarik Tunai di ATM, Bina Digital Luncurkan Kartu Debit
August 2, 2024 Making ATM Withdrawals Easier, Bina Digital Launches Debit Card
3 Agustus 2024 Britama.com Laporan Keuangan Bank Ina Perdana Tbk (BINA) Kuartal II 2024
August 3, 2024 Financial Report of PT Bank Ina Perdana Tbk (BINA) for Q2 2024
4 Agustus 2024 Bisnis.com Laba Bank Milik Anthony Salim (BINA) Melorot jadi Rp68,88 Miliar per Semester I/2024
August 4, 2024 Anthony Salim’s Bank (BINA) Profit Drops to Rp68.88 Billion in H1-2024
5 Agustus 2024 Indopremier.com Tertekan Lonjakan Beban Bunga, Laba Bersih BINA di Semester I-2024 Turun Jadi Rp68,89 Miliar
August 5, 2024 Pressed by Rising Interest Expenses, BINA’s Net Profit in H1-2024 Drops to Rp68.89 Billion
5 Agustus 2024 Financian Review Beban Bunga Bengkak, Laba Bank Milik Salim Group (BINA) di 1H24 Ambles 40,26%
August 5, 2024 Rising Interest Costs, Salim Group’s Bank (BINA) Profit Drops 40.26% in H1-2024
6 Agustus 2024 Rbtv.disway.id Cara Pengajuan Pinjaman Digital Bina, Solusi Cerdas untuk Modal Usaha
August 6, 2024 How to Apply for Bina Digital Loans, A Smart Solution for Business Capital
8 Agustus 2024 Kompas Bank INA Luncurkan Layanan Pembelian SBN Ritel di Pasar Perdana
August 8, 2024 Bank INA Launches Retail SBN Purchase Service in the Primary Market
8 September 2024 Kontan Perluas Jangkauan, Bank INA Buka Kantor Cabang Baru di Bandung
September 8, 2024 Expanding Reach, Bank INA Opens New Branch in Bandung
8 September 2024 Bisnis Grup Salim Bank INA (BINA) Luncurkan Layanan Pembelian SBN Ritel di Pasar Perdana
September 8, 2024 Salim Group’s Bank INA (BINA) Launches Retail SBN Purchase Service in the Primary Market
8 September 2024 Infobank Perluas Jangkauan Nasabah, Bank INA Resmikan Kantor Cabang Baru di Bandung
September 8, 2024 Expanding Customer Reach, Bank INA Inaugurates New Branch in Bandung
6 September 2024 Warta Ekonomi Perluas Akses dan Jangkauan Nasabah, Bank INA Resmikan Kantor Cabang Dago Bandung
September 6, 2024 Expanding Access and Customer Reach, Bank INA Inaugurates Dago Branch in Bandung
6 September 2024 Tribun Jabar Perluas Akses layanan, Bank INA Buka Kantor Cabang di Bandung, Perkuat Hubungan dengan Nasabah
September 6, 2024 Expanding Service Access, Bank INA Opens Branch in Bandung, Strengthens Customer Relations
6 September 2024 IDN Times Alasan Bank Milik Salim Grup Buka Kantor Cabang di Bandung
September 6, 2024 Reasons Why Salim Group’s Bank Opens Branch in Bandung
6 September 2024 Media Indonesia Bank INA Buka Kantor Cabang Baru di Bandung, Perluas Akses Layanan
September 6, 2024 Bank INA Opens New Branch in Bandung, Expands Service Access
6 September 2024 Radar Bandung Perluas Akses dan Jangkauan Nasabah, Bank INA Resmikan Kantor Cabang Dago Bandung
September 6, 2024 Expanding Access and Customer Reach, Bank INA Inaugurates Dago Branch in Bandung
6 September 2024 Jabar Express Perluas Akses dan Jangkauan Nasabah, Bank INA Resmikan Kantor Cabang (KC) Dago Bandung
September 6, 2024 Expanding Access and Customer Reach, Bank INA Inaugurates Dago Branch (KC) in Bandung
6 September 2024 Liputan Indo Bank INA Buka Kantor Cabang Baru di Bandung, Perluas Akses Layanan
September 6, 2024 Bank INA Opens New Branch in Bandung, Expands Service Access
7 September 2024 JPNN Perluas Jangkauan dan Akses Nasabah, Bank INA Buka Cabang di Dago Bandung
September 7, 2024 Expanding Reach and Access, Bank INA Opens Branch in Dago Bandung
10 September 2024 Kompas Bank INA Resmikan Kantor Cabang di Dago Bandung
September 10, 2024 Bank INA Inaugurates Branch in Dago Bandung
10 September 2024 JPNN Jatim Perluas Layanan, Bank INA Resmikan Kantor Cabang Baru di Bukit Darmo Surabaya
September 10, 2024 Expanding Services, Bank INA Inaugurates New Branch in Bukit Darmo Surabaya
10 September 2024 iNews Jatim Bank INA Perluas Layanan di Surabaya, Resmikan Kantor Cabang Baru di Lokasi Strategis
September 10, 2024 Bank INA Expands Services in Surabaya, Inaugurates New Branch in Strategic Location
10 September 2024 RCTI+ Bank INA Perluas Layanan di Surabaya, Resmikan Kantor Cabang Baru di Lokasi Strategis
September 10, 2024 Bank INA Expands Services in Surabaya, Inaugurates New Branch in Strategic Location
10 September 2024 VIVA Jatim Garap Potensi Surabaya, Bank INA Buka Cabang Kedua di Jalan Bukit Darmo
September 10, 2024 Tapping into Surabaya’s Potential, Bank INA Opens Second Branch on Bukit Darmo Street
10 September 2024 Radar Surabaya Potensi Market Besar, Bank INA Buka Kantor Cabang Bukit Darmo di Surabaya Barat
September 10, 2024 Large Market Potential, Bank INA Opens Bukit Darmo Branch in West Surabaya
10 September 2024 Kilas Jatim Perluas Jangkauan, Bank INA Resmikan Kantor Cabang Bukit Darmo Surabaya
September 10, 2024 Expanding Reach, Bank INA Inaugurates Bukit Darmo Branch in Surabaya
10 September 2024 Kabar Bisnis Perluas Jangkauan, Bank INA Resmikan Kantor Cabang Bukit Darmo Surabaya
September 10, 2024 Expanding Reach, Bank INA Inaugurates Bukit Darmo Branch in Surabaya
10 September 2024 Jawa Pos - Media Bincang Perbankan
September 10, 2024 Visit (Cetak) Banking Talks
11 September 2024 Kontan Bank INA Gencar Ekspansi Jaringan Kantor
September 11, 2024 Bank INA Intensifies Branch Network Expansion
11 September 2024 Business Update Bank INA Resmikan Kantor Cabang ke-48 di Dago Bandung
September 11, 2024 Bank INA Inaugurates 48th Branch in Dago Bandung
330 PT Bank Ina Perdana Tbk
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2024 Annual Report
Tanggal Informasi
Media
Date Information
11 September 2024 MSN Perluas Jangkauan dan Akses Nasabah, Bank INA Buka Cabang di Dago Bandung
September 11, 2024 Expanding Reach and Customer Access, Bank INA Opens Branch in Dago Bandung
11 September 2024 Tradingview Bank INA Gencar Ekspansi Jaringan Kantor
September 11, 2024 Bank INA Intensifies Branch Network Expansion
11 September 2024 Tribunnews Perluas Jangkauan, Bank INA Resmikan Kantor Cabang Baru di Surabaya Barat
September 11, 2024 Surabaya Expanding Reach, Bank INA Inaugurates New Branch in West Surabaya
11 September 2024 Kontan Bank INA Meresmikan Kantor Cabang Bukit Darmo Surabaya Guna Perluas Jangkauan
September 11, 2024 Bank INA Inaugurates Bukit Darmo Branch in Surabaya to Expand Reach
11 September 2024 Infobank Perluas Layanan, Bank INA Buka Kantor Cabang Baru di Surabaya
September 11, 2024 Expanding Services, Bank INA Opens New Branch in Surabaya
11 September 2024 SWA Bank INA Perluas Jangkauan, Resmikan Kantor Cabang Bukit Darmo di Surabaya
September 11, 2024 Bank INA Expands Reach, Inaugurates Bukit Darmo Branch in Surabaya
11 September 2024 Warta Ekonomi Perluas Jangkauan, Bank INA Meresmikan Kantor Cabang Bukit Darmo Surabaya
September 11, 2024 Expanding Reach, Bank INA Inaugurates Bukit Darmo Branch in Surabaya
11 September 2024 Pasardana Perluas Jaringan Layanan Perbankan di Surabaya, Bank INA Resmikan Kantor Cabang Ketiga
September 11, 2024 Expanding Banking Service Network in Surabaya, Bank INA Inaugurates Third Branch
11 September 2024 Aktualnews Perluas Jangkauan, Bank INA Meresmikan Kantor Cabang Bukit Darmo Surabaya
September 11, 2024 Expanding Reach, Bank INA Inaugurates Bukit Darmo Branch in Surabaya
11 September 2024 Jatim Pedia Bank INA Resmikan Kantor Cabang Bukit Darmo Surabaya
September 11, 2024 Bank INA Inaugurates Bukit Darmo Branch in Surabaya
11 September 2024 Jakarta Daily Merupakan Kota Terbesar Kedua di Indonesia, Bank INA Perluas Jangkauan dengan Meresmikan Kantor Cabang
September 11, 2024 Bukit Darmo Surabaya
As the Second Largest City in Indonesia, Bank INA Expands Reach by Inaugurating Bukit Darmo Branch in
Surabaya
11 September 2024 Jawa Pos (Cetak) Garap Pasar Surabaya, Perbankan Fokus Kredit Segmen Menengah
September 11, 2024 Targeting Surabaya Market, Bank Focuses on Middle-Class Credit
12 September 2024 Harian Surya (Cetak) Bank INA Perluas Layanan Nasabah
September 12, 2024 Bank INA Expands Customer Services
13 September 2024 Urban City Memperluas Jangkauan ke Daerah, Bank INA Resmikan Kantor Cabang Bukit Darmo Surabaya
September 13, 2024 Expanding Reach to Regional Areas, Bank INA Inaugurates Bukit Darmo Branch in Surabaya
4 Oktober 2024 Kontan Layani Nasabah, Bank INA Resmikan Kantor Cabang di Sunter Jakarta
October 4, 2024 Serving Customers, Bank INA Inaugurates Branch in Sunter Jakarta
4 Oktober 2024 Infobank Perluas Layanan, Bank INA Buka Kantor Cabang Baru di Sunter
October 4, 2024 Expanding Services, Bank INA Opens New Branch in Sunter
4 Oktober 2024 Warta Ekonomi Bank INA Hadirkan Layanan Perbankan Terdepan di Jakarta Utara dengan Pembukaan KCP Sunter
October 4, 2024 Bank INA Brings Leading Banking Services to North Jakarta with Sunter Branch Opening
7 Oktober 2024 Kompas Bank INA Buka Kantor Cabang di Sunter Jakarta Utara
October 7, 2024 Bank INA Opens Branch in North Jakarta
11 Oktober 2024 Kompas Perkuat Layanan Fisik, Bank INA Buka Kantor Cabang di BSD
October 11, 2024 Strengthening Physical Services, Bank INA Opens Branch in BSD
11 Oktober 2024 Kontan Bank INA Buka Kantor Cabang Pembantu Anyar di Bumi Serpong Damai (BSD)
October 11, 2024 Bank INA Opens New Sub-Branch in Bumi Serpong Damai (BSD)
11 Oktober 2024 Warta Ekonomi Perkuat Layanan di Jabodetabek, Bank INA Buka Kantor Cabang Pembantu Terbaru di BSD
October 11, 2024 Strengthening Services in Jabodetabek, Bank INA Opens New Sub-Branch in BSD
12 Oktober 2024 Suara Perkuat Layanan di Jabodetabek, Bank INA Buka Kantor Cabang Pembantu Terbaru di BSD
October 12, 2024 Strengthening Services in Jabodetabek, Bank INA Opens New Sub-Branch in BSD
13 Oktober 2024 Antaranews Bank INA Buka Kantor Cabang Pembantu di BSD
October 13, 2024 Bank INA Opens Sub-Branch in BSD
13 Oktober 2024 Infobanknews Perluas Layanan Nasabah, Bank INA Buka Kantor Cabang Pembantu di BSD
October 13, 2024 Expanding Customer Services, Bank INA Opens Sub-Branch in BSD
29 Oktober 2024 Infobanknews Tingkatkan Kapasitas Digital, Bank INA Rilis Layanan dan Fitur Ini di Binadigital
October 29, 2024 Enhancing Digital Capacity, Bank INA Launches These Services and Features on Binadigital
29 Oktober 2024 Bisnis Indonesia Binadigital Luncurkan Layanan Setor Tunai di Indomaret
October 29, 2024 Binadigital Launches Cash Deposit Service at Indomaret
29 Oktober 2024 Kompas Bank INA Hadirkan Layanan Setor Tunai di Indomaret dan Deposito Via Aplikasi Binadigital
October 29, 2024 Bank INA Introduces Cash Deposit Service at Indomaret and Deposit via Binadigital App
29 Oktober 2024 Warta Ekonomi Binadigital dari Bank INA Hadirkan Layanan Setor Tunai di Indomaret dan Deposito Via Aplikasi
October 29, 2024 Binadigital from Bank INA Offers Cash Deposit Service at Indomaret and Deposit via App
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Tanggal Informasi
Media
Date Information
29 Oktober 2024 IDX Channel Gandeng Indomaret, Bank INA (BINA) Permudah Akses Nasabah Lewat Layanan Setor Tunai
October 29, 2024 Partnering with Indomaret, Bank INA (BINA) Simplifies Customer Access with Cash Deposit Service
29 Oktober 2024 Liputan6 Ekspansi Bisnis, BINA Tambah Layanan Perbankan
October 29, 2024 Business Expansion, BINA Adds More Banking Services
29 Oktober 2024 Kontan Pengguna Aplikasi Binadigital Bank INA Bisa Setor-Tarik Tunai di Indomaret
October 29, 2024 Binadigital App Users of Bank INA Can Deposit and Withdraw Cash at Indomaret
29 Oktober 2024 Suara Nasabah Binadigital Kini Bisa Setor-Tarik Tunai di Indomaret
October 29, 2024 Binadigital Customers Can Now Deposit and Withdraw Cash at Indomaret
29 Oktober 2024 Investor Daily Binadigital Hadirkan Layanan Lebih Inklusif
October 29, 2024 Binadigital Introduces More Inclusive Services
29 Oktober 2024 Indopremier Gandeng Indomaret, Bank INA (BINA) Permudah Akses Nasabah Lewat Layanan Setor Tunai
October 29, 2024 Partnering with Indomaret, Bank INA (BINA) Facilitates Customer Access via Cash Deposit Service
29 Oktober 2024 JPNN Binadigital Hadirkan Layanan Setor Tunai di Indomaret & Deposito Via Aplikasi
October 29, 2024 Binadigital Offers Cash Deposit Service at Indomaret & Deposit via App
29 Oktober 2024 Tunjuk.id Binadigital Hadirkan Layanan Setor Tunai di Indomaret & Deposito Via Aplikasi
October 29, 2024 Binadigital Offers Cash Deposit Service at Indomaret & Deposit via App
30 Oktober 2024 VOI Binadigital dari Bank INA Hadirkan Layanan Setor Tunai di Indomaret dan Deposito via Aplikasi
October 30, 2024 Binadigital from Bank INA Offers Cash Deposit Service at Indomaret and Deposit via App
31 Oktober 2024 SWA Binadigital dari Bank INA Memudahkan Nasabah Setor Tunai di Indomaret dan Deposito
October 31, 2024 Binadigital from Bank INA Makes It Easy for Customers to Deposit Cash at Indomaret and Make Deposits
31 Oktober 2024 Duniafintech Gokil! Aplikasi Binadigital Permudah Setor-Tarik Uang, Bisa di 22.000 Gerai Indomaret dan Cuma Pakai HP Aja Lho!
October 31, 2024 Crazy! Binadigital App Makes Cash Deposit and Withdrawal Easy, Available at 22,000 Indomaret Outlets and
Just Need Your Phone!
1 November 2024 Antaranews Bank INA Hadirkan Layanan Setor-Tarik Tunai di Seluruh Gerai Indomaret
November 1, 2024 Bank INA Offers Cash Deposit and Withdrawal Services at All Indomaret Outlets
3 November 2024 Markettrack Binadigital dari Bank INA Hadirkan Layanan Setor Tunai di Indomaret dan Deposito Via Aplikasi
November 3, 2024 Binadigital from Bank INA Offers Cash Deposit Services at Indomaret and Deposits via App
3 November 2024 Lantaibursa Binadigital dari Bank INA Hadirkan Layanan Setor Tunai di Indomaret dan Deposito Via Aplikasi
November 3, 2024 Binadigital from Bank INA Offers Cash Deposit Services at Indomaret and Deposits via App
6 November 2024 The Iconomics Berkolaborasi dengan Sequis AM, Bank INA Melengkapi Kebutuhan Investasi Nasabah
November 6, 2024 Collaborating with Sequis AM, Bank INA Completes Customers’ Investment Needs
6 November 2024 Media Asuransi Bank INA dan Sequis Aset Manajemen Kerja Sama Pemasaran Produk Reksa Dana
November 6, 2024 News Bank INA and Sequis Asset Management Collaborate in Marketing Mutual Fund Products
7 November 2024 Metroxpose Bank INA dan Sequis AM Jalin Kerja Sama Pemasaran Produk Reksa Dana
November 7, 2024 Bank INA and Sequis AM Form Marketing Partnership for Mutual Fund Products
7 November 2024 Antaranews Bank INA-Sequis AM Jalin Kerja Sama Penjualan Produk Investasi
November 7, 2024 Bank INA and Sequis AM Form Investment Product Sales Partnership
7 November 2024 Liputan6 Diversifikasi Produk Investasi, BINA Gencarkan Pemasaran Reksa Dana
November 7, 2024 Diversifying Investment Products, BINA Accelerates Mutual Fund Marketing
7 November 2024 Bisnis Indonesia Bank INA Gandeng Sequis AM Jualan Reksa Dana
November 7, 2024 Bank INA Partners with Sequis AM to Market Mutual Funds
7 November 2024 Kontan Bank INA dan Sequis Aset Manajemen Kerja Sama Pemasaran Produk Reksa Dana
November 7, 2024 Bank INA and Sequis Asset Management Partner to Market Mutual Fund Products
7 November 2024 Investor Daily Bank INA (BINA) & Sequis AM Jalin Kerja Sama
November 7, 2024 Bank INA (BINA) & Sequis AM Form Partnership
7 November 2024 Infobank News Pasarkan Produk Reksa Dana, Bank INA Kolaborasi dengan Sequis Aset Manajemen
November 7, 2024 Bank INA Collaborates with Sequis Asset Management to Market Mutual Fund Products
7 November 2024 Suara Gandeng Sequis AM, Bank INA Beri Pilihan Investasi Reksa Dana ke Nasabah
November 7, 2024 Partnering with Sequis AM, Bank INA Offers Mutual Fund Investment Options to Customers
7 November 2024 Warta Ekonomi Bank INA Gandeng Sequis Aset Manajemen, Perluas Layanan Investasi
November 7, 2024 Bank INA Partners with Sequis Asset Management to Expand Investment Services
7 November 2024 IDX Channel Gandeng Sequis AM, Bank INA (BINA) Mulai Pasarkan Produk Reksa Dana
November 7, 2024 Partnering with Sequis AM, Bank INA (BINA) Starts Marketing Mutual Fund Products
7 November 2024 Lantai Bursa Bank INA dan Sequis AM Kerja Sama Pemasaran Produk Reksa Dana
November 7, 2024 Bank INA and Sequis AM Partner in Marketing Mutual Fund Products
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2024 Annual Report
Tanggal Informasi
Media
Date Information
7 November 2024 Ipotnews Gandeng Sequis AM, Bank Milik Salim Group (BINA) Jadi Agen Penjual Efek Reksa Dana
November 7, 2024 Partnering with Sequis AM, Bank Owned by Salim Group (BINA) Becomes Mutual Fund Sales Agent
7 November 2024 Berita Moneter Gandeng Sequis AM, Bank Milik Salim Group Putuskan Jadi APERD
November 7, 2024 Partnering with Sequis AM, Salim Group’s Bank Decides to Become an APERD
7 November 2024 Pilar Bank INA dan Sequis Aset Manajemen Berkolaborasi Pasarkan Produk Reksa Dana untuk Perluas Layanan Nasabah
November 7, 2024 Bank INA and Sequis Asset Management Collaborate to Market Mutual Fund Products to Expand Customer Services
7 November 2024 Sumut24 Kerja Sama Pemasaran Produk Reksa Dana: Bank INA dan Sequis Aset Manajemen
November 7, 2024 Marketing Partnership for Mutual Fund Products: Bank INA and Sequis Asset Management
8 November 2024 Neraca Bank INA dan Sequis AM Kerja Sama Penjualan Produk Investasi
November 8, 2024 Bank INA and Sequis AM Form Investment Product Sales Partnership
8 November 2024 Economix Buzz Perluas Pemasaran Produk Reksa Dana, Bank INA Gandeng Sequis AM
November 8, 2024 Expanding Mutual Fund Product Marketing, Bank INA Partners with Sequis AM
8 November 2024 Medan Pos Kerja Sama Pemasaran Produk Reksa Dana: Bank INA dan Sequis Aset Manajemen
November 8, 2024 Marketing Partnership for Mutual Fund Products: Bank INA and Sequis Asset Management
9 November 2024 Infobank News Bank INA Kerja Sama dengan Kliring Berjangka Indonesia jadi Bank Penyimpan Dana Margin
November 9, 2024 Bank INA Partners with Kliring Berjangka Indonesia to Become a Margin Fund Custodian Bank
14 November 2024 Koran Merapi Bank INA Pengumuman Kedua Lelang Eksekusi Hak Tanggungan Pt Ardhipuri Bintang
November 14, 2024 Bank INA Announces Second Auction for Execution of Mortgage Rights of PT Ardhipuri Bintang
15 November 2024 Media Asuransi PT Bank Ina Perdana Tbk Raih Posisi Ketiga
November 15, 2024 PT Bank Ina Perdana Tbk Achieves Third Place
29 November 2024 Kompas Bank INA dan Sequis Aset Manajemen Kerja Sama Pasarkan Reksa Dana
November 29, 2024 Bank INA and Sequis Asset Management Collaborate to Market Mutual Fund Products
3 Desember 2024 Jatim Pedia Bank INA Lewat Produk Bina Digital Bekerja sama dengan PEDALINDO di Sidoarjo
December 3, 2024 Bank INA Partners with PEDALINDO in Sidoarjo Through Bina Digital Product
3 Desember 2024 Wmhg.org Nasabah Bina Digital Kini Bisa Setor- Tarik Tunai di Indomaret
December 3, 2024 Bina Digital Customers Can Now Deposit and Withdraw Cash at Indomaret
12 Desember 2024 Pasar Dana Anak Usaha BIPP Raih Fasilitas Kredit dari Bank Ina Sebesar Rp74 Miliar
December 12, 2024 A Subsidiary of BIPP Secures a Credit Facility of Rp74 Billion from Bank INA
14 Desember 2024 wmhg.org Gandeng Sequis AM, Bank Ina Beri Pilihan Investasi Reksa Dana ke Nasabah
December 14, 2024 Partnering with Sequis AM, Bank INA Offers Mutual Fund Investment Options to Customers
16 Desember 2024 Infobank News Perluas Layanan Nasabah, Bank INA Resmikan KCP Pondok Indah
December 16, 2024 Bank INA Expands Customer Service with the Opening of Pondok Indah Branch Office
16 Desember 2024 Warta Ekonomi Ekspansi Layanan! Bank INA Resmikan KCP Baru dan Perkuat Digitalisasi
December 16, 2024 Service Expansion! Bank INA Opens New Branch and Strengthens Digitalization
17 Desember 2024 id.tradingview.com Perkuat Layanan, Bank INA Resmikan Kantor Cabang Pondok Indah
December 17, 2024 Bank INA Strengthens Services with the Opening of Pondok Indah Branch Office
17 Desember 2024 Kontan Perkuat Layanan, Bank INA Resmikan Kantor Cabang Pondok Indah
December 17, 2024 Bank INA Strengthens Services with the Opening of Pondok Indah Branch Office
17 Desember 2024 IndoPos Ngebound Bank INA, Entitas Bhuwanatala Jaminkan Aset Rp74 Miliar
December 17, 2024 Bank INA Bound by Bhuwanatala Entity with Rp74 Billion Asset Collateral
17 Desember 2024 Berita Moneter Anak Usaha BIPP Raih Kredit Bank Ina Perdana Rp74 Miliar
December 17, 2024 BIPP Subsidiary Receives Rp74 Billion Credit from Bank INA Perdana
20 Desember 2024 wmhg.org Bank INA Milik Konglomerat Salim Catat Kenaikan Kredit Macet Hampir 5%
December 20, 2024 Bank INA, Owned by Salim Group, Reports a 5% Increase in Non-Performing Loans
24 Desember 2024 Radar Bali Bank INA Member of Salim Group Bisnis Semeton Makin Untung Dengan Tabina Bisnis
December 24, 2024 Bank INA, Member of Salim Group, Sees Business Success with Tabina Business
24 Desember 2024 Karawang Bekasi Indomaret dan Bank INA Bersinergi Turunkan Angka Stunting
December 24, 2024 Ekspres Indomaret and Bank INA Collaborate to Reduce Stunting Rates
24 Desember 2024 Karawang Bekasi Indomaret dan Bank INA Bersinergi Turunkan Angka Stunting, Bagikan 125 Paket Nutrisi di Kota Bekasi
December 24, 2024 Disway Indomaret and Bank INA Collaborate to Reduce Stunting, Distribute 125 Nutritional Packages in Bekasi City
31 Desember 2024 Karawang Bekasi Dukung Generasi Sehat & Kuat, Indomaret dan Bank INA Bagikan 125 Paket Nutrisi di Kabupaten Bekasi
December 31, 2024 Disway Supporting a Healthy and Strong Generation, Indomaret and Bank INA Distribute 125 Nutritional Packages in
Bekasi Regency
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Tata Kelola Perusahaan
Corporate Governance
Kode Etik [ESG-G.07]
Code of Conducts
Bank INA memiliki Pedoman Kode Etik yang ditetapkan pada Bank INA has a Code of Conduct Guidelines established on
29 Maret 2019 sebagai acuan bagi karyawan dalam menjalankan March 29, 2019 as guidelines for employees in carrying out
tugas dan mengambil keputusan. Pedoman ini bertujuan their duties and making decision. This guidelines aim to create
menciptakan lingkungan kerja yang harmonis dan profesional serta a harmonious and professional work environment, as well as
memastikan pelayanan optimal kepada nasabah. ensuring an optimum services to the customers.
Isi Kode Etik Contents of Code of Conduct
Isi Kode Etik Bank INA membahas mengenai: The content of Bank INA’s Code of Conduct discusses about:
1. Prinsip Dasar Sikap dan Perilaku; 1. Basic Principles of Attitude and Behavior;
2. Tanggung Jawab Karyawan terhadap Perusahaan/Nasabah/ 2. Employee Responsibilities to Companies/Customers/Partners;
Rekanan;
3. Penggunaan dan Perlindungan terhadap Peralatan dan Fasilitas 3. Use and Protection of Company Equipment and Facilities;
Perusahaan;
4. Hak terhadap Intellectual Property dan Penggunaan Nama dan 4. Rights Against Intellectual Property and Use of Company
Logo Perusahaan Aktivitas Politik; Names and Logos of Political Activity;
5. Penerimaan dan Pemberian Hadiah; 5. Acceptance and Giving of Gifts;
6. Program Anti Pencucian Uang dan Pencegahan Pendanaan 6. Anti-Money Laundering and Counter-Terrorism Financing
Terorisme; Program;
7. Insider Trading; 7. Insider Trading;
8. Pelecehan Seksual; 8. Sexual harassment;
9. Transaksi dengan Perusahaan Afiliasi; dan 9. Transactions with Affiliated Companies; and
10. Lain-lain. 10. Others.
Penerapan Kode Etik pada Setiap Jenjang Applying Code of Conduct at Every Level of
Organisasi the Organization
Kode Etik wajib dipatuhi oleh seluruh insan Bank INA di seluruh The Code of Conduct must be adhered by all Bank INA personnel
jenjang organisasi, termasuk Dewan Komisaris, Direksi, dan Pejabat at every level of the organization, including the Board of
Eksekutif. Oleh karena itu, seluruh insan Bank atas kesadarannya Commissioners, Board of Directors, and Executive Officers. Therefore,
menandatangani “Janji Karyawan, Deklarasi Pernyataan Anti-Fraud, all Bank personnel consciously sign the “Employee Pledge, Anti-Fraud
Surat Pernyataan Penghindaran Benturan Kepentingan, Kode Etik Statement Declaration, Conflict of Interest Avoidance Statement,
Perilaku Karyawan dan Deklarasi Pakta Integritas”. Employee Code of Conduct, and Integrity Pact Declaration”.
Penyebarluasan dan Sosialisasi Dissemination and Socialization
Satuan Kerja Kepatuhan secara berkala dan menyeluruh The Compliance Work Unit regularly and thoroughly disseminates
menyebarluaskan serta menyosialisasikan Kode Etik. Kegiatan ini and socializes the Code of Conduct. These activities are carried out
dilakukan secara langsung atau melalui media komunikasi Bank, directly or through the Bank’s internal communication media, such
seperti intranet, grup WhatsApp, media sosial, dan kegiatan internal as intranet, WhatsApp Group, social media, and internal activities in
di masing-masing unit kerja. each work unit.
Sanksi Pelanggaran Kode Etik Sanctions for Violation of the Code of Conduct
Setiap pelanggaran terkait Kode Etik Bank akan diproses, Any violation related to the Bank’s Code of Conduct will be
ditindaklanjuti, dan diberikan sanksi sesuai dengan tingkat processed, follow-up, and given sanction according to the violation
pelanggarannya. Adapun sanksi yang diberikan oleh Bank INA level. Sanction provided by Bank INA in relation to the violation of
terkait pelanggaran Kode Etik diungkapkan sebagai berikut. the Code of Conduct is disclosed as follows.
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Laporan Tahunan 2024
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Kategori Pelanggaran Sanksi Jangka Waktu Implikasi
Violation Category Sanction Time Period Implications
Pelanggaran Tingkat I (Ringan) Surat Teguran/Peringatan Pertama 6 bulan Pengurangan nilai kinerja.
(SP 1)
Grade I (Minor) Violation First Warning Letter (SP 1) 6 months Reduction in performance scores.
Pelanggaran Tingkat II (Sedang) Surat Peringatan (SP 2) 6 bulan • Pengurangan nilai Performance Appraisal (PA); serta
• Penundaan fasilitas pinjaman karyawan.
Grade II (Moderate) Violation Reprimand Letter (SP 2) 6 months • Reduction of Performance Appraisal (PA) score; as
well as
• Postponement of employee loan facilities.
Pelanggaran Tingkat III (Sedang) Surat Peringatan (SP 3) 6 bulan Pengurangan nilai PA;
Grade III (Moderate) Violation Reprimand Letter (SP 3) 6 months • Penundaan kenaikan gaji; serta
• Penundaan promosi (jabatan dan grade).
Pelanggaran Tingkat IV - (Pertama dan
Terakhir) Dan dimungkinkan untuk:
Level IV Violation – (First and Final) • Demosi (jabatan/grade/pangkat/gaji).
• Penonaktifan dari jabatan.
• Skorsing
Reduction of PA score;
• Postponement of salary increase; and
• Postponement of promotion (position and grade).
And possibly:
• Demotion (position/grade/rank/salary).
• Deactivation from position.
• Suspension
Pelanggaran Tingkat V Penyimpangan Pemutusan Hubungan Kerja (PHK) - Dapat diproses secara hukum.
(Fraud) dan Pelanggaran Berat
Grade V Violation – Deviance (Fraud) Termination of Employment (PHK) Can be processed legally.
and Serious Violation
Number of Violations
Jumlah Pelanggaran
There was no complaint related to violation of the Code of
Tidak terdapat pengaduan terkait pelanggaran Kode Etik, baik Conduct committed by the Management or Bank employee
yang dilakukan oleh Manajemen ataupun karyawan Bank, throughout 2024.
selama tahun 2024.
Program Anti Pencucian Uang,
Pencegahan Pendanaan Terorisme,
dan Pencegahan Pendanaan Proliferasi
Senjata Pemusnah Massal
Anti-Money Laundering, Counter-Terrorist Financing, and
Counter-Proliferation Financing of Weapons of Mass Destruction
Satuan Kerja Kepatuhan memiliki peran krusial dalam menerapkan The Compliance Work Unit plays a crucial role in implementing
Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, the Anti-Money Laundering, Counter-Terrorist Financing, and
dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal Counter-Proliferation Financing of Weapons of Mass Destruction
(APU-PPT dan PPPSPM). Program ini dijalankan secara menyeluruh (AML-CTF and CPF) Program. This program is implemented
di seluruh internal Bank untuk meminimalkan risiko hukum terkait thoroughly within the Bank’s internal to minimize the legal risks
pencucian uang, pendanaan terorisme, dan proliferasi senjata related to money laundering, terrorism financing, and proliferation
pemusnah massal. Untuk meningkatkan efektivitas Program of weapons of mass destruction. In order to improve the
APU-PPT dan PPPSPM serta membangun kesadaran dan pemahaman effectiveness of the AML-CTF and CPF Program, as well as building
di kalangan karyawan, Bank secara rutin mengadakan pelatihan dan employees’ awareness and understanding, the Bank regularly held
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Tata Kelola Perusahaan
Corporate Governance
sosialisasi. Kegiatan ini mencakup karyawan baru dan lama, serta trainings and dissemination. These activities involved both the new
memastikan bahwa semua pegawai memiliki pengetahuan yang kuat and old employees, and ensure that all employees have the strong
mengenai kebijakan dan prosedur yang harus diikuti. knowledge on the policies and procedures to follow.
Selama tahun 2024, Bank telah melakukan kegiatan terkait Throughout 2024, the Bank has conducted activities related to
Program APU-PPT dan PPPSPM yang mencakup: the AML-CTF and CPF, including:
1. Memiliki data sanction list; 1. Possess sanction list data;
2. Menyampaikan pelaporan kepada regulator; 2. Submit reporting to the regulator;
3. Pemantauan transaksi nasabah; 3. Monitoring of customer transactions;
5. Pelatihan kepada karyawan Bank, termasuk karyawan 5. Training for Bank employees, including frontliner employees
frontliner dan karyawan baru; and new employees;
6. Review kebijakan dan prosedur APU-PPT dan PPPSPM; 6. Review of AML-CFT and PPPSPM policies and procedures;
7. Sosialisasi kepada seluruh masyarakat melalui media resmi 7. Public socialization through the Bank’s official media regarding
Bank mengenai larangan perjudian online dan daring, serta the prohibition of online and offline gambling, as well as the
larangan untuk jual beli rekening; dan prohibition on the buying and selling of accounts; and
8. Hal lainnya yang mendukung terciptanya program 8. Other matters that support the creation of the AML-CFT
APU-PPT dan PPPSPM sesuai dengan amanat peraturan and PPPSPM programs in accordance with the mandate of
perundang-undangan yang berlaku. applicable laws and regulations.
Strategi Anti-Fraud
Anti-Fraud Strategy
Bank INA menerapkan strategi anti-fraud berdasarkan Peraturan Bank INA implements anti-fraud strategy based on the Financial
Otoritas Jasa Keuangan No. 12 tahun 2024 tentang Penerapan Services Authority Regulation No. 12 of 2024 concerning the
Strategi Anti-Fraud bagi Lembaga Jasa Keuangan. Dalam Implementation of Anti-Fraud Strategies for Financial Service
implementasinya, Bank secara konsisten mengawasi potensi Institutions. In the implementation, Bank consistently monitors the
fraud, kolusi, dan penyalahgunaan wewenang oleh manajemen potential for fraud, collusion, and abuse of authority committed
maupun karyawan. Salah satu langkah yang diterapkan adalah by the Management or employees. One of the measure in place
pemeriksaan informasi debitur (iDeb) secara berkala, sebagai is by checking the debtor information (iDeb) periodically, as part
bagian dari penerapan prinsip Know Your Employee dan Strategi of the implementation of Know Your Employee principle and
Anti-Fraud. Ketentuan ini tertuang dalam Kebijakan dan Prosedur Anti-Fraud Strategy. These provisions have been stated in Anti-Fraud
Strategi Anti-Fraud No. KEB/RMG/13/03/0923 tanggal 6 Oktober Strategy Policy and Procedure No. KEB/RMG/13/03/0923 dated
2023, yang merupakan penyempurnaan dari versi sebelumnya, October 6, 2023 which is an improvement of the previous version,
No. RMG/13/02/0621 tanggal 1 Juli 2021. No. RMG/13/02/0621 dated July 1, 2021.
Pemeriksaan informasi debitur bertujuan untuk mencegah Checking debtor information also aims to prevent possibility
potensi kredit macet di kalangan pengurus dan karyawan serta of bad debts among the management and employees, as
mengurangi tekanan finansial yang dapat memicu fraud. Sebagai well as avoiding the financial pressure that may trigger fraud.
langkah pencegahan dari aspek sumber daya manusia (SDM), Bank As a preventive measure from the aspect of human resources (HR),
juga menerapkan kebijakan pengenalan karyawan, sebagaimana the Bank is also implementing the employee recognition policy,
diatur dalam Kebijakan dan Prosedur Strategi Anti-Fraud as regulated in the Anti-Fraud Strategy Policy and Procedures
No. KEB/RMG/13/03/0923 dan Kebijakan Perencanaan Tenaga No. KEB/RMG/13/03/0923 and Workforce Planning Policy,
Kerja, Prosedur Rekrutmen, dan Penerimaan Karyawan Recruitment Procedures, and Employee Acceptance No. SDM/003/0519
No. SDM/003/0519 yang diterbitkan pada Mei 2019. issued in May 2019.
Sementara itu, upaya yang telah dilakukan Bank INA dalam Meanwhile, efforts made by Bank INA in preventing fraud, is as
mencegah terjadinya fraud: follows:
1. Mendorong penerapan budaya anti-fraud bagi karyawan 1. Encourage the implementation of an anti-fraud culture for
dengan melakukan sosialisasi budaya anti-fraud secara rutin, employees, by conducting regular dissemination of anti-fraud
meliputi Kebijakan Kode Etik Bank, sistem pengendalian culture, including the Bank’s Code of Ethics Policy, internal
internal, Kebijakan Whistleblowing, pengenaan sanksi tindak control system, Whistleblowing Policy, imposition of fraud
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fraud, dan materi lain yang dianggap relevan. Hal tersebut sanctions, and other materials deemed relevant. This is also
juga dilakukan dalam rangka meningkatkan kesadaran, done in order to increase awareness, vigilance against fraud,
kewaspadaan terhadap fraud, dan menumbuhkan budaya and foster Bank INA’s anti-fraud culture. The Anti-Fraud
anti-fraud Bank INA. Sosialisasi Anti-Fraud dilakukan secara dissemination is conducted regularly and periodically, through
rutin dan berkala, yang dilakukan melalui himbauan pada reminders on laptop desktop screens, Flyers at branch offices,
layar desktop laptop, Flyer di Kantor Cabang dan secara rutin and regularly during employee induction.
di Induction karyawan.
Adapun pembahasan yang dilakukan dalam Sosialisasi The discussion topics in the Anti-Fraud Dissemination event are
Anti-Fraud sebagai berikut. as follows.
a. Unsur-Unsur Fraud a. Elements of Fraud
Kesengajaan, keuntungan pribadi atau pihak lain, Intentional acts, personal or third-party gain, misuse
penyalahgunaan (properti/peraturan/data/dana perusahaan (company property/regulations/data/funds or third-party
atau dana pihak ketiga/wewenang), merugikan perusahaan funds/authority), causing harm or potentially harming to
atau yang berpotensi merugikan perusahaan. the company.
b. Dampak Fraud b. Impact of Fraud
Fraud yang terjadi di Bank berdampak terjadinya kerugian Fraud occurring in the Bank leading to financial losses,
finansial, reputasi dan menimbulkan ketidakpercayaan reputational damage, and leads to a loss of public trust.
dari masyarakat.
c. Anti-Fraud Awareness c. Anti-Fraud Awareness
Merupakan upaya untuk menumbuhkan kesadaran Is an effort to raise awareness on the importance of fraud
mengenai pentingnya pencegahan fraud oleh seluruh prevention by all related parties, through good leadership
pihak terkait dengan melalui kepemimpinan yang baik dan and supported by Anti-Fraud Awareness in every Bank’s
didukung dengan Anti-Fraud Awareness di masing-masing organ, expected to foster an awareness on the importance
organ Bank, diharapkan dapat menumbuhkan sikap sadar of control on fraud.
akan pentingnya pengendalian terhadap fraud.
d. Identifikasi Kerawanan d. Identification of Vulnerability
Merupakan proses manajemen risiko untuk mengidentifikasi, Is a risk management process to identify, analyze, and
menganalisis, dan menilai potensi risiko terjadinya assess the potential fraud risk. In general, identification
fraud. Secara umum, identifikasi kerawanan bertujuan of vulnerability is intended to identify the risk of fraud
mengidentifikasi risiko terjadinya fraud yang melekat pada inherent in every activity that has the potential to harm the
setiap aktivitas yang berpotensi merugikan Bank. Bank.
e. Prinsip Know Your Employee e. Know Your Employee Principle
Sebagai upaya pencegahan terjadinya fraud, Kebijakan As an effort to prevent fraud, the Know Your Employee
Know Your Employee menjadi upaya pengendalian dari Policy is a control effort from the Human Resources aspect.
aspek SDM. Kebijakan Know Your Employee yang dimiliki The Bank’s Know Your Employee policy includes at least:
Bank paling kurang mencakup:
1) Sistem dan prosedur rekrutmen yang efektif. Melalui 1) Effective recruitment systems and procedures.
sistem ini diharapkan dapat diperoleh gambaran Through this system, it is expected that a complete
mengenai rekam jejak calon karyawan (pre employee and accurate picture of the track record of prospective
screening) secara lengkap dan akurat; employees (pre-employee screening) can be obtained;
2) Sistem seleksi yang dilengkapi kualifikasi yang tepat 2) A selection system that is equipped with the right
dengan mempertimbangkan risiko, serta ditetapkan qualifications by considering risks, and is determined
secara objektif dan transparan. Sistem tersebut harus objectively and transparently. The system must cover
menjangkau pelaksanaan promosi maupun mutasi, the implementation of promotions and transfers,
termasuk penempatan pada posisi yang memiliki including placement in positions that have a high risk
risiko tinggi terhadap fraud; of fraud;
3) Kebijakan Know Your Employee, antara lain mencakup 3) Know Your Employee policy includes recognizing
pengenalan dan pemantauan karakter, perilaku, dan and monitoring employees’ character, behavior and
gaya hidup karyawan; lifestyle;
4) Indikator fraud (red flag), yaitu suatu bentuk sinyal 4) Fraud indicator (red flag), which is a form of signal to
terhadap adanya kemungkinan fraud. Red flag bukan the possibility of fraud. Red flags do not indicate that
menunjukkan sudah pasti terjadi tindak fraud, namun fraud has definitely occurred, but only a warning signal
hanya merupakan sinyal peringatan untuk diketahui for further information, such as:
lebih lanjut, seperti:
a) Terjadinya penyimpangan akuntansi; a) Occurrence of accounting irregularities;
b) Adanya pelanggaran pengendalian internal; b) Existence of internal control violations;
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c) Adanya penyimpangan analitikal; c) Occurrence of analytical irregularities;
d) Adanya perubahan gaya hidup berlebihan; dan d) Existence of excessive lifestyle changes; and
e) Perilaku yang tidak wajar. e) Unreasonable behavior.
2. Perangkat-perangkat dalam rangka mengidentifikasi dan 2. Tools used to identify and detect incidents of Fraud in the
menemukan kejadian Fraud dalam kegiatan usaha Bank, Bank’s business activities, which include at a minimum:
yang mencakup paling kurang:
a. Kebijakan dan mekanisme whistleblowing; a. Policy and mechanism of whistleblowing;
b. Surprise Audit; b. Surprise Audit;
c. Surveillance System; dan c. Surveillance System; and
d. Implementasi LED. d. Implementation of LED.
3. Investigasi Fraud 3. Fraud Investigation
Dilakukan untuk mengidentifikasi fraud yang terjadi secara Conducted to comprehensively identify fraud occurrences and
komprehensif dan melibatkan antara lain Tim Penanganan involves, among others, Fraud Handling Team, Internal Audit
Fraud, Satuan Kerja Audit Internal, Pihak berwajib/kepolisian. Unit, and law enforcement/police authorities.
Informasi terkait data kasus internal fraud Bank INA selama tahun Information related to the Bank INA’s internal fraud case date
2024 disajikan dalam tabel berikut. throughout 2024 is disclosed in the following table.
Jumlah Kasus yang Dilakukan oleh
Number of Cases Committed
Uraian
Pengurus Pegawai Tetap Pegawai Tidak Tetap
Description
Manager Permanent Officer Non-Permanent Officer
2024 2023 2024 2023 2024 2023
Total Fraud Nihil Nihil Nihil Nihil Nihil
2
Total Fraud None None None None None
Telah Diselesaikan Nihil Nihil Nihil Nihil Nihil
1
Already settled None None None None None
Dalam Proses Penyelesaian Internal Bank Nihil Nihil Nihil Nihil Nihil Nihil
In the Bank’s Internal Settlement Process None None None None None None
Belum Diupayakan Penyelesaian Nihil Nihil Nihil Nihil Nihil Nihil
Not Resolved Yet None None None None None None
Telah Ditindaklanjuti melalui Proses Hukum Nihil Nihil Nihil Nihil Nihil
1
Has Been Followed Up through Legal Process None None None None None
Sistem Pelaporan Pelanggaran
Whistleblowing System
Sistem pelaporan pelanggaran (whistleblowing system/WBS) The whistleblowing system (WBS) is implemented to create a
diterapkan untuk menciptakan lingkungan kerja yang transparan, transparent work environment, encourage the employee to report
mendorong karyawan untuk melaporkan pelanggaran tanpa rasa any violation without fear, as well as ensuring a quick and effective
takut, serta memastikan penanganan pelanggaran secara cepat dan handling of the violation. The implementation of WBS in the Bank
efektif. Penerapan WBS di Bank mengacu pada Sistem Pelaporan refers to the Whistleblower Reporting System No. SK/DIR/005/2021
Pelanggaran No. SK/DIR/005/2021 yang mengatur tentang Tim that regulates Whistleblower Handling Team.
Penanganan Whistleblower.
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Pihak yang Mengelola Sistem Pelaporan The Party Who Manages the Whistleblowing
Pelanggaran System
Bank menunjuk Fungsi Whistleblowing untuk mengelola sistem The Bank appoints a Whistleblowing Function to manage the WBS
WBS. Fungsi ini merupakan bagian dari SKAI yang beroperasi secara system. This function is a part of SKAI that operates independently
independen dari aktivitas operasional Bank serta memiliki kewenangan of the Bank’s operational activities, and has the authority to
untuk berkomunikasi dan mengakses seluruh unit dan divisi Bank. communicate and to access all units/divisions of the Bank.
Cara Penyampaian Laporan Pelanggaran How to Submit a Violation Report
Setiap karyawan memiliki hak yang sama untuk melaporkan Every employee has the same rights to report violation.
pelanggaran. Bank menyediakan prosedur pelaporan melalui The Bank provides a reporting procedure via e-mail, namely
email antifraud_skai@bankina.co.id dan telepon +62 21 252 5678 antifraud_skai@bankina.co.id and telephone at +62 21 252 5678
Ext. 3800. Seluruh laporan dikelola dengan transparansi dan Ext. 3800. All reporting are managed with transparency and
profesionalisme oleh Fungsi Whistleblowing dan SKAI. Selain itu, professionalism by the Whistleblowing Function and SKAI.
Bank juga menyediakan hotline yang menjamin keamanan dan The Bank also provides a hotline, guaranteeing security and
kerahasiaan laporan. confidentiality of the report.
Mekanisme Penyampaian Laporan Report Submission Mechanism
Laporan pelanggaran harus mencakup latar belakang dan Violation report must include the background and chronology
kronologi kejadian, termasuk tanggal-tanggal penting. Pelapor of the incident, including the important dates. The reporter also
juga harus menyampaikan informasi yang rinci dan spesifik serta need to submit detailed and specific information, as well as stating
mencantumkan potensi dampak pelanggaran terhadap individu, the potential impact of the violation to individual, unit, or Bank’s
unit, atau reputasi Bank. Informasi yang lengkap akan mempercepat reputation. A complete information will speed up the investigation
proses investigasi dan tindak lanjut. and follow-up processes.
Perlindungan bagi Pelapor Protection for Reporters
Bank berkomitmen untuk melindungi pelapor guna menciptakan The Bank is committed to protect the reporter to create a transparent
lingkungan kerja yang transparan dan kondusif. Perlindungan and conducive work environment. This protection aims to feel
ini bertujuan agar karyawan merasa aman dalam melaporkan safe in reporting any violation. Based on internal consideration,
pelanggaran. Berdasarkan pertimbangan internal, perlindungan the protection is provided for reporter with Partial Anonymity
diberikan kepada pelapor dengan kategori Partial Anonymity dan and Full Disclosure categories. During the investigation process,
Full Disclosure. Selama proses penyelidikan, Bank secara rutin the Bank regularly inform the progress of the investigation to the
menginformasikan perkembangan penyelidikan kepada pelapor. reporter. In addition, the Bank ensures the Whistleblowing Function
Selain itu, Bank memastikan Fungsi Whistleblowing menjaga maintain the confidentiality of the report and only disclose the
kerahasiaan laporan dan hanya mengungkapkan informasi kepada information to the reporter or the parties authorized to handle the
pelapor atau pihak yang berwenang menangani laporan tersebut. report.
Mekanisme Tindak Lanjut Laporan Report Follow Up Mechanism
Setiap laporan pelanggaran akan ditindaklanjuti secara profesional Every violation report will be followed up professionally by SKAI.
oleh SKAI. Penyelidikan selanjutnya dilakukan oleh unit atau divisi The next investigation will be carried out by the related unit or
terkait melalui identifikasi, pemeriksaan, dan analisis hasil temuan division through identification, examination, and analysis of the
dengan koordinasi Komite Audit. Jika pelanggaran yang ditemukan findings by coordinating with Audit Committee. If the violation
tergolong berat, Bank berhak melaporkannya kepada pihak found is considered as serious, the Bank has the rights to report it
berwenang. to the authorities.
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Sosialisasi dan Upaya Peningkatan Kualitas Dissemination and Efforts to Improve
Sistem Pelaporan Pelanggaran the Quality of the Whistleblowing System
Bank berupaya meningkatkan kualitas WBS melalui sosialisasi yang The Banks strives to improve the quality of WBS through
komprehensif kepada seluruh organ Bank. Upaya ini dilakukan comprehensive dissemination to all Bank’s organs. This is
melalui berbagai kegiatan internal dan e-mail blast. Sosialisasi conducted through various internal activities or e-mail blasts.
dilakukan secara berkelanjutan guna menciptakan lingkungan kerja The dissemination is carried out on an ongoing basis to create a safe
yang aman dan kondusif serta mendorong karyawan melaporkan and conducive work environment, as well as encourage employees
potensi pelanggaran tanpa rasa takut. to report potential violations without fear.
Laporan Pengaduan Complaint Report
Informasi terkait laporan pengaduan yang diterima oleh Bank Information related to the violation report received by the Bank
di sepanjang tahun 2024 diungkapkan pada tabel berikut. throughout 2024, is disclosed in the following table.
Tindak Lanjut
Jenis Pengaduan Jumlah Pengaduan Follow-up
Type of Complaint Number of Complaints Belum Diproses Dalam Proses Selesai
Not Processed In the Process Finished
Internal - - - -
Eksternal
7 - - 7
External
Transparansi Kondisi Keuangan dan
Non-Keuangan Bank
Transparency of the Bank’s Financial and Non-Financial Conditions
Bank INA telah melakukan transparansi terhadap Laporan Tahunan Bank INA has carried out transparency on Annual Reports
(keuangan dan non-keuangan) serta Laporan Keuangan Publikasi (financial and non-financial) as well as Quarterly Published
Triwulanan dan Laporan Keuangan Publikasi Bulanan dengan tepat Financial Reports and Monthly Published Financial Reports in
waktu dan dipublikasikan di situs web Bank. a timely manner and published on the Bank’s website.
Pengungkapan Aspek Lainnya
Disclosure of Other Aspects
Kebijakan Anti-Korupsi dan Gratifikasi [ESG-G.07] Anti-Corruption and Gratification Policy [ESG-G.07]
Bank menerapkan Kebijakan Anti-Korupsi secara menyeluruh The Bank implements a comprehensive Anti-Corruption Policy
sebagai wujud komitmen menciptakan lingkungan kerja yang bebas as a form of commitment to create a work environment free of
dari korupsi, kolusi, dan nepotisme. Sebagai bagian dari upaya corruption, collusion and nepotism. As a part of the prevention
pencegahan, Bank berkomitmen menghindari gratifikasi dalam efforts, the Bank is committed to avoid any form of gratuities,
bentuk apa pun, termasuk pemberian dari nasabah, vendor, mitra including gifts from customers, vendors, business partners, or
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usaha, atau pihak ketiga lainnya atas layanan yang telah diberikan. other third parties for the services that have been provided.
Selain itu, Bank rutin melakukan sosialisasi terkait gratifikasi In addition, the Bank periodically conducts dissemination related
kepada seluruh karyawan guna meminimalkan risiko pelanggaran. to gratuities to all employees to minimize the violation risk.
Komitmen ini diperkuat dengan Deklarasi Pakta Integritas Anti- This commitment is further enforced with the Integrity Pact
Gratifikasi, Suap, Korupsi, Perjudian, Fraud, dan Kejahatan Lainnya Declaration of Anti-Gratuity, Bribery, Corruption, Gambling,
pada 27 Agustus 2024. Fraud and Other Crimes on August 27, 2024.
Laporan Penerimaan Hadiah dari Pihak Ketiga Report of Acceptance of Gifts from Third Parties
Dewan Komisaris, Direksi, Pejabat Eksekutif, dan karyawan Bank The Board of Commissioners, Board of Directors, Executive Officers,
tidak menerima hadiah atau gratifikasi dalam bentuk apa pun dari and employees of the Bank did not receive gifts or any form of
pihak eksternal sepanjang tahun 2024. gratuity from external party throughout 2024.
Kebijakan Pengadaan Barang dan Jasa Goods and Services Procurement Policy
Kebijakan pengadaan barang dan jasa Bank INA diatur dalam Surat The goods and services procurement policy of Bank INA is
Keputusan No. UM/016/01/1221 Versi 2.0 tanggal 20 Desember regulated in Decision No. UM/016/01/1221 Version 2.0 dated
2021. Kebijakan ini mencakup prosedur pengadaan, penunjukan December 20, 2021. The policy covers the procurement procedures,
mitra bisnis atau pihak ketiga, serta mekanisme pembayaran. appointment of business partners or third parties, as well as
the payment mechanism.
Informasi tentang Buy Back Saham dan Information about Share Buy Back and
Buy Back Obligasi Bond Buy Back
Bank tidak melakukan tindakan buy back saham dan buy back The Bank did not perform any buy back action of shares or bonds
obligasi selama tahun 2024. throughout 2024.
Penyediaan Dana kepada Pihak Terkait dan Provision of Funds to Related Parties and
Dana Besar Large Exposure
Bank melakukan penyediaan dana kepada pihak terkait dan dana The Bank performs provision of funds to related parties and large
besar dengan pertimbangan matang serta mengedepankan prinsip exposure with careful consideration and prioritizes the prudential
kehati-hatian. Kebijakan ini merujuk pada Peraturan Otoritas Jasa principle. This policy refers to the Financial Services Authority
Keuangan No. 38/POJK.03/2019 tanggal 19 Desember 2019 tentang Regulation No. 38/POJK.03/2019 dated December 19, 2019 on Legal
Batas Maksimum Pemberian Kredit (BMPK) dan Penyediaan Dana Lending Limit (LLL) and Provision of Large Exposure for Commercial
Besar bagi Bank Umum. Wewenang penyediaan dana ini juga Banks. The Independent Commissioner also has the provision
dimiliki oleh Komisaris Independen dengan mempertimbangkan of funds authority by considering Bank Indonesia’s provisions
ketentuan Bank Indonesia mengenai BMPK. regarding the Legal Lending Limit (LLL).
Informasi penyediaan dana kepada pihak terkait dan dana besar Information on the provision of funds to related parties and large
sepanjang tahun 2024 disajikan dalam tabel berikut. exposure throughout 2024 is presented in below table.
Jumlah
Total
Penyediaan Dana Nominal Provision of Funds
Debitur
(Jutaan Rupiah)
Debtor
(Million Rupiah)
Kepada Pihak Terkait 23 213,30 To Related Parties
Kepada Debitur Inti 25 5.083,55 To Core Debtors
a. Individu 25 5.083,55 a. Individuals
b. Grup - - b. Group
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Kredit yang Direstrukturisasi Restructured Loans
Penerapan kebijakan terkait kredit yang direstrukturisasi merujuk The implementation of restructured loans policy refers to the
pada debitur yang terdampak Covid-19. Kebijakan ini mengacu debtors affected by Covid-19. This policy refers to the Financial
pada Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2021 Services Authority Regulation No. 17/POJK.03/2021 which is the
yang merupakan Perubahan Kedua atas Peraturan Otoritas Jasa Second Amendment to the Financial Services Authority Regulation
Keuangan No. 11/POJK.03/2020 tentang Stimulus Perekonomian No. 11/POJK.03/2020 on the National Economic Stimulus as
Nasional sebagai Kebijakan Countercyclical Dampak Penyebaran a Countercyclical Policy for the Impact of the Covid-19 Spread.
Covid-19. Pada tahun 2024, Bank telah melakukan restrukturisasi In 2024, the Bank had restructured through extension and interest
melalui perpanjangan dan penurunan suku bunga sebesar rate reduction amounting to Rp129.71 billion for debtors affected by
Rp129,71 miliar untuk debitur terdampak Covid-19 dan sebesar Covid-19 and Rp614.05 billion for non-Covid-19 debtors.
Rp614,05 miliar untuk debitur non-Covid-19.
Penyediaan Dana untuk Kegiatan Politik Provision of Funds for Political and Social
dan Sosial Activities
Bank menjalankan usaha secara transparan dan tidak terlibat The Bank conducts transparent business not engaged in political
dalam kegiatan politik. Oleh karena itu, tidak terdapat penyediaan activities. Therefore, there is no information on the provision
dana untuk kegiatan politik. Namun, Bank aktif berkontribusi of funds for political activities. However, the Bank actively
dalam kegiatan sosial untuk meningkatkan kesejahteraan participates in social activities to improve community welfare.
masyarakat. Informasi terkait alokasi dana untuk kegiatan sosial Information related to the provision of funds for social activities is
disajikan dalam Bab Laporan Keberlanjutan di Laporan Tahunan ini. presented in the Social and Environmental Sustainability Chapter in
this Annual Report.
Kebijakan Insider Trading [ESG-G.08] Insider Trading Policy [ESG-G.08]
Kebijakan insider trading Bank INA telah disusun dan ditetapkan Bank INA’s insider trading policy has been prepared and established
dalam Kebijakan No. TR/00/02/0224 Versi 2.0 tanggal 21 Februari in in Policy No. TR/00/02/0224 Version 2.0, dated February 21, 2024,
2024 perihal Kebijakan Manajemen Market Code of Conduct, dengan on Market Code of Conduct Management Policy, with the following
penjelasan sebagai berikut. explanation.
1. Karyawan tidak boleh melakukan transaksi jual beli saham atau 1. Employees shall not conduct buying and selling transactions
surat berharga Bank di bursa dengan menggunakan data dan of the Bank’s shares or securities on the stock exchange using
informasi internal Bank yang belum menjadi informasi publik, the Bank’s internal data and information that has not become
baik untuk keuntungan pribadi, pihak keluarga, maupun teman. public information, either for personal gain, family, or friends.
2. Karyawan tidak boleh mengungkapkan informasi internal Bank 2. Employees shall not disclose the Bank’s internal information
kepada sesama karyawan yang tidak mempunyai wewenang to fellow employees who are not authorized to access such
untuk mengakses informasi/data tersebut atau kepada pihak luar. information/data or to outside parties.
3. Jika karyawan tetap ingin melaksanakan transaksi jual beli saham/ 3. If employees still wish to carry out transactions in the sale and
surat berharga Bank, karyawan harus melakukannya di luar bursa purchase of Bank shares/securities, they must do so outside
saham. Apabila karyawan dalam melakukan hal ini menyebabkan the stock exchange. If the employee in doing this causes other
pihak lain melakukan transaksi di bursa saham karena mengetahui parties to make transactions on the stock exchange due to
atau mendapatkan informasi internal tersebut, maka karyawan knowing or obtaining the internal information, the employee
dapat dianggap telah membocorkan informasi internal perusahaan can be considered to have leaked the company’s internal
dan telah melanggar ketentuan perusahaan. information and has violated the company’s provisions.
Bank berupaya untuk meminimalkan terjadinya tindakan insider The Bank strives to minimize the occurrence of insider trading by
trading dengan melaksanakan sosialisasi kebijakan terkait insider continuously disseminating the policy related to insider trading.
trading secara berkelanjutan. Sosialisasi ini dilakukan melalui The dissemination is conducted through internal media and various
media internal dan berbagai kegiatan lainnya. other activities.
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Program Kepemilikan Saham oleh Karyawan Employee and/or Management Share
dan/atau Manajemen (ESOP/MSOP) Ownership Program (ESOP/MSOP)
Pada tahun 2024, Bank belum melakukan Program Kepemilikan In 2024, the Bank has not implemented the Employee and/or
Saham oleh Karyawan dan/atau Manajemen (ESOP/MSOP). Management Stock Ownership Program (ESOP/MSOP).
Transaksi yang Mengandung Benturan Transactions Containing Conflicts of Interest
Kepentingan
Sepanjang tahun 2024, Bank tidak melakukan transaksi yang Throughout 2024, the Bank had no transaction containing conflict
mengandung benturan kepentingan. of interest.
Rencana Strategis Bank Bank Strategic Plan
Bank menyusun rencana strategis sebagai panduan untuk mencapai The Bank prepares strategic plan as a guidance to achieve vision
visi dan misi, mengidentifikasi peluang dan tantangan pasar, serta and mission, identifying market opportunities and challenges, as
menetapkan prioritas dalam alokasi sumber daya. Secara berkala, well as setting up the priorities in resources allocation. The Bank
Bank mengevaluasi strategi bisnis baik dalam jangka pendek, periodically evaluates its business strategies, both for the short
menengah, maupun panjang, sebagaimana dijelaskan dalam RBB term, medium term, and long term as disclosed in the following
berikut. RBB.
1. Rencana Strategis Jangka Pendek (2025) 1. Short Term Strategic Plan (2025)
a. Target Finansial a. Financial Targets
1) Meningkatkan dana pihak ketiga (DPK) menjadi 1) Increasing third party funds (DPK) to Rp22.7 trillion
Rp22,7 triliun pada akhir Desember 2025, tumbuh by the end of December 2025, growing by 13.68%
13,68% dibanding proyeksi akhir Desember 2024 compared to the end of December 2024 projection
sebesar Rp20,01 triliun, termasuk di dalamnya target of Rp20.01 trillion, including the target of third-party
dana pihak ketiga dari layanan perbankan digital funds from digital banking services of Rp86 billion.
sebesar Rp86 miliar.
2) Meningkatkan kredit yang diberikan sebesar Rp3,04 2) Increasing disbursed loans by Rp3.04 trillion to
triliun menjadi Rp 16,37 triliun, tumbuh 22,80% dari Rp16.37 trillion, growing by 22.80% from the end
proyeksi akhir Desember 2024 sebesar Rp13,33 triliun, of December 2024 projection of Rp13.33 trillion,
sudah termasuk target pinjaman melalui layanan including the target of loans through digital services of
digital sebesar Rp10 miliar. Rp10 billion.
3) Meningkatkan pertumbuhan total aset menjadi 3) Increasing the growth of total assets to Rp27.11 trillion
Rp27,11 triliun di Desember 2025 dari Rp24,28 triliun by December 2025 from Rp24.28 trillion projected at
diproyeksi akhir Desember 2024. the end of December 2024.
4) Memperoleh pendapatan bunga bersih sebesar 4) Achieving net interest income of Rp920.20 billion with
Rp920,20 miliar dengan laba bersih setelah pajak net profit after tax of Rp142.35 billion by December
sebesar Rp142,35 miliar pada Desember 2025. 2025.
b. Target Non-Finansial b. Non-Financial Targets
1) Target Bisnis 1) Business Targets
a) Penyaluran kredit untuk tahun 2025 akan a) In 2025, the credit disbursement will be focused on
difokuskan pada sektor UMKM melalui MSME sector through ecosystem-based financing
pembiayaan berbasis ekosistem dan rantai and supply chain, as well as corporate commercial,
pasok serta komersial korporasi, di mana Bank where the Bank will function as strategic partner
akan berfungsi sebagai strategic partner untuk to support their ecosystem.
mendukung ekosistem mereka.
b) Penghimpunan dana pihak ketiga dengan tetap b) Collection of third party funds while maintaining
menjaga cost of fund, terutama peningkatan giro cost of funds, particularly in increasing the current
dan tabungan melalui program khusus dengan accounts and savings through special programs
suku bunga menarik. with attractive rate.
PT Bank Ina Perdana Tbk 343
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Tata Kelola Perusahaan
Corporate Governance
c)Pertumbuhan kinerja kantor-kantor cabang agar c) Enhancing the performance of branch offices to
mendongkrak kontribusi terhadap pendapatan increase their contribution to the Bank’s income.
Bank.
d) Peningkatan jumlah nasabah dan bisnis dari d) Increasing the number of customers and
layanan perbankan digital. businesses from digital banking services.
2) Operasional 2) Operational
a) Mempercepat penyelesaian kredit bermasalah. a) Accelerating the resolution of non-performing
loans.
b) Mempertahankan peringkat komposit tingkat b) Maintaining the Bank’s composite soundness
kesehatan bank pada peringkat 2 (“Sehat”) rating of 2 (“Healthy”) on an ongoing basis.
secara berkesinambungan.
c) Menyempurnakan sistem pengendalian internal c) Refining internal control system in operational
pada aktivitas operasional dan perkreditan and lending activities through continuous
melalui perbaikan berkelanjutan untuk kebijakan improvement of policies and procedures.
dan prosedurnya.
d) Memperkuat risk control system dengan prioritas d) Strengthening the risk control system with priority
untuk aktivitas operasional, perkreditan dan IT. for operational, lending, and IT activities.
e) Memastikan ketahanan siber dan pengamanan e) Ensuring effective and efficient cyber resilience
informasi yang efektif dan efisien dalam and information security in administering digital
penyelenggaraan layanan perbankan digital. banking services.
3) Lain-lain 3) Others
Meningkatkan fungsi pengawasan aktif Dewan Improving the active supervisory function of the Board
Komisaris dan Direksi melalui komite-komite of Commissioners and Board of Directors through the
penunjang yang telah dibentuk. established supporting committees.
2. Rencana Strategis Jangka Menengah (2026-2027) 2. Medium Term Strategic Plan (2026-2027)
Target Finansial dan Non-Finansial Financial and Non-Financial Target
a. Meningkatkan DPK menjadi Rp27,19 triliun di tahun 2026 a. Increasing DPK to Rp27.19 trillion in 2026 to Rp31.67 trillion
dan menjadi Rp31,67 triliun di tahun 2027, termasuk target in 2027, including a target for DPK through digital banking
untuk DPK melalui layanan perbankan digital sebesar services of Rp144 billion in 2026 and Rp176 in 2027.
Rp144 miliar di tahun 2026 dan Rp176 di tahun 2027.
b. Meningkatkan kredit menjadi Rp19,56 triliun di tahun b. Increasing loans to Rp19.56 trillion in 2026 and to Rp22.79
2026 dan menjadi Rp22,79 triliun di tahun 2027, termasuk trillion in 2027, including loans through digital banking
kredit melalui layanan perbankan digital pada tahun services in 2026 of Rp13 billion and in 2027 of Rp17 billion.
2026 sebesar Rp13 miliar dan pada tahun 2027 sebesar
Rp17 miliar.
c. Total aset tahun 2026 ditargetkan sebesar Rp31,91 triliun c. Total assets are targeted at Rp31.91 trillion in 2026 and
dan di tahun 2027 sebesar Rp36,86 triliun. Rp36.86 trillion in 2027.
d. Perolehan laba bersih setelah pajak untuk tahun 2026 dan d. Net profit after tax for 2026 and 2027 is projected at Rp280
2027 masing-masing diproyeksikan sebesar Rp280 miliar billion and Rp358 billion, respectively.
dan Rp358 miliar.
e. Mempertahankan Peringkat Komposit Tingkat Kesehatan e. Maintaining the Bank’s Soundness Level Composite Rating
Bank pada peringkat 2 (“Sehat”). of 2 (“Healthy”).
f. Meningkatkan fee-based income dari produk dan layanan f. Increasing fee-based income from the Bank’s products and
Bank, utamanya pada layanan digital. services, particularly digital services.
344 PT Bank Ina Perdana Tbk
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Tata Kelola Perusahaan Laporan Tahunan 2024
Corporate Governance 2024 Annual Report
Transparansi Praktik Bad Governance
Bad Governance Practice Transparency
Bank mengungkapkan praktik bad governance secara transparan The Bank discloses bad governance practices transparently as
sebagai bentuk komitmen terhadap bisnis yang bertanggung a form of commitment to responsible business and in line with
jawab dan sesuai peraturan yang berlaku. Pengungkapan tersebut applicable regulations. The disclosure is as follows.
diuraikan sebagai berikut.
Praktik Bad Corporate Governance Keterangan
Bad Corporate Governance Practices Remark
Adanya laporan sebagai Bank yang mencemari Sebagai perusahaan yang bergerak dalam bidang perbankan, Bank INA tidak memiliki kegiatan yang
lingkungan mencemari lingkungan serta berkomitmen untuk senantiasa mendukung Program Save Earth (Go Green)
yang telah diterapkan dalam internal Bank.
There is a report as a bank that pollutes the As a company engaged in the banking sector, Bank INA does not have activities that pollute the
environment environment and is committed to always supporting the Save Earth (Go Green) Program that has been
implemented internally within the Bank.
Perkara penting yang sedang dihadapi oleh Bank, Sepanjang tahun 2024, tidak terdapat perkara yang dihadapi Bank.
anggota Dewan Komisaris, dan/atau Direksi yang
sedang menjabat tidak diungkapkan dalam
Laporan Tahunan
Important matters currently being faced by the Throughout 2024, there was no case faced by the Bank.
Bank, members of the Board of Commissioners
and/or Board of Directors who are currently
serving are not disclosed in the Annual Report
Ketidakpatuhan dalam pemenuhan kewajiban Bank INA telah memenuhi kewajiban perpajakan pada tanggal 30 April 2025 untuk tahun pajak 2024.
perpajakan
Non-compliance in fulfilling tax obligations Bank INA fulfilled its tax obligations on April 30, 2025 for tax year 2024.
Ketidaksesuaian penyajian Laporan Tahunan Penyusunan Laporan Tahunan dan Laporan Keuangan telah disesuaikan dengan peraturan dan
dan Laporan Keuangan dengan peraturan yang perundang-undangan yang berlaku. Laporan Tahunan Bank INA menginformasikan mengenai Laporan
berlaku dan Standar Akuntansi Keuangan Manajemen Bank mencakup pelaksanaan tugas, tantangan, dan capaian sepanjang tahun 2024 dan telah
disusun dengan mengacu pada Peraturan Otoritas Jasa Keuangan No. 29/POJK.04/2016 tentang Laporan
Tahunan Emiten atau Perusahaan Publik. Sementara itu, Laporan Keuangan Tahunan Bank INA juga
memberikan informasi pencatatan dari segala transaksi yang berkaitan dengan dana pihak ketiga, kredit,
pembelian dan penjualan secara detail dan perhitungan yang akurat selama 1 tahun dan merupakan hasil
pertanggungjawaban manajemen atas penggunaan sumber daya 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 Akuntan Publik yang ditunjuk oleh Bank, yaitu KAP Purwantono, Sungkoro & Surja.
Discrepancies in the presentation of the Annual The preparation of the Annual Report and Financial Statements has been in accordance with the
Report and Financial Statements with the applicable laws and regulations. Bank INA’s Annual Report informs about the Bank’s Management
applicable regulations and Financial Accounting Report covering the implementation of tasks, challenges, and achievements throughout 2024 and
Standards has been prepared with reference to Financial Services Authority Regulation No. 29/POJK.04/2016 on
Annual Reports of Issuers or Public Companies. Meanwhile, Bank INA’s Annual Financial Statements also
provides information on recording 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 the resources entrusted to them. Therefore, the preparation of financial statements is made in
accordance with the applicable Financial Accounting Standards. The Annual Financial Statements ending
December 31, 2024 has also been reviewed and approved by the Public Accountant appointed by
the Bank, namely KAP Purwantono, Sungkoro & Surja.
Kasus terkait buruh dan karyawan Sepanjang tahun 2024, tidak terdapat kasus terkait buruh dan karyawan di lingkungan Bank INA.
Cases related to labor and employees Throughout 2024, there were no cases related to labor and employees within Bank INA.
Tidak terdapat pengungkapan segmen operasi Pengungkapan segmen operasi diungkapkan dalam Bab Analisis Pembahasan Manajemen dalam
Laporan Tahunan ini.
There is no disclosure of operating segments Disclosure of operating segments is disclosed in the Management Discussion Analysis chapter in this
Annual Report.
Terdapat ketidaksesuaian antara Laporan Tahunan Bank INA senantiasa melakukan pengecekan sebelum mengunggah Laporan Tahunan dan memastikan
hardcopy dengan Laporan Tahunan softcopy kesesuaian data antara Laporan Tahunan hardcopy dengan softcopy.
There are inconsistencies between the Annual Bank INA always checks before uploading the Annual Report and ensures data conformity between the
Reports hardcopy with the Annual Report softcopy Annual Reports hardcopy with softcopy.
PT Bank Ina Perdana Tbk 345
Page 348
KEBERLANJUTAN SOSIAL DAN LINGKUNGAN 346 PT Bank Ina Perdana Tbk
Page 349
Social and Environmental
Sustainability
PT Bank Ina Perdana Tbk 347
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Tata Kelola Keberlanjutan
Sustainability Governance
Bank INA berkomitmen pada keuangan berkelanjutan dengan Bank INA is committed to sustainable finance by implementing
menerapkan berbagai inisiatif yang mencakup 3 aspek utama, yaitu various initiatives that encompass 3 key aspects, namely economic,
ekonomi, sosial, dan lingkungan. Komitmen ini diwujudkan melalui social, and environmental. This commitment is realized through
program yang selaras dengan Tujuan Pembangunan Berkelanjutan programs aligned with the Sustainable Development Goals (SDGs)
(TPB)/Sustainable Development Goals (SDGs) yang ditetapkan oleh set by the government. As part of these efforts, Bank INA continues
pemerintah. Sebagai bagian dari upaya tersebut, Bank INA terus to develop sustainable banking policies and practices to create
mengembangkan kebijakan dan praktik perbankan berkelanjutan long-term value for all stakeholders.
guna menciptakan nilai jangka panjang bagi seluruh pemangku
kepentingan.
Dalam penerapannya, Bank INA merujuk pada berbagai regulasi In its implementation, Bank INA refers to various applicable
dan standar yang berlaku, di antaranya: regulations and standards, including:
1. Standar Operasional Prosedur No. 092 tahun 2016; 1. Standard Operating Procedure No. 092 of 2016;
2. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 2. Law No. 40 of 2007 on Limited Liability Companies;
Terbatas;
3. Undang-Undang No. 25 Tahun 2007 tentang Penanaman Modal; 3. Law No. 25 of 2007 on Capital Investment;
4. Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 4. Financial Services Authority Regulation No. 51/POJK.03/2017
tentang Penerapan Keuangan Keberlanjutan bagi Lembaga on Implementation of Sustainable Finance for Financial
Jasa Keuangan, Emiten, dan Perusahaan Publik; serta Services Institutions, Issuers, and Public Companies; and
5. Pedoman Teknis Penerapan Keuangan Keberlanjutan bagi 5. Technical Guidelines for Implementing Sustainable Finance
Sektor Perbankan dalam mengimplementasikan Keuangan for the Banking Sector in implementing Sustainable Finance
Keberlanjutan sesuai Peraturan Otoritas Jasa Keuangan in accordance with Financial Services Authority Regulation
No. 51/POJK.03/2017 tentang Penerapan Keuangan Keberlanjutan No. 51/POJK.03/2017 on Implementation of Sustainable Finance for
Bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik. Financial Services Institutions, Issuers, and Public Companies.
348 PT Bank Ina Perdana Tbk
Page 351
Laporan Tahunan 2024
2024 Annual Report
Penanggung Jawab Penerapan Keuangan Person in Charge of Implementing Sustainable
Berkelanjutan [POJK51-E.1] Finance [POJK51-E.1]
Bank telah menetapkan Tim Rencana Aksi Keuangan Berkelanjutan The Bank has established the Sustainable Finance Action Plan Team
(Tim RAKB) atau Fungsi Lingkungan, Sosial, dan Tata Kelola (LST) (RAKB Team) or the Environmental, Social, and Governance (ESG)
sebagai pihak yang bertanggung jawab dalam implementasi Function as the responsible party for implementing sustainable
keuangan berkelanjutan. Tim ini berperan dalam menyusun, mengelola, finance. This team plays a key role in formulating, managing,
dan mengawasi pelaksanaan program keuangan berkelanjutan and overseeing the execution of sustainable finance programs to
agar sejalan dengan kebijakan dan regulasi yang berlaku. ensure alignment with applicable policies and regulations.
Penanggung Jawab
Person in Charge
Direktur
Director
Koordinator
Coordinator
• Direktur Manajemen Risiko & Kepatuhan
• Divisi Legal & Sekretaris Perusahaan
• Directorate of Risk Management & Compliance
• Legal & Corporate Secretary Division
Penyusun dan Laporan Penerapan Evaluasi Supporting
Monitoring Berkelanjutan Implementation dan Quality Supporting
Compiler and Sustainability • Divisi Corporate Banking Evaluation • Divisi Digital Governance
Monitoring Report • Divisi SME & Comercial Banking and Quality • Divisi Human Capital
Divisi Divisi Legal • Divisi Product Development & Divisi
Manajemen & Sekretaris Marketing Strategy Audit Internal
Risiko Perusahaan • Divisi Operasional
• Divisi Treasury
• Divisi General Service &
Procurement
• Divisi Loan Operation Kantor
Cabang
Risk Legal & Corporate • Corporate Banking Division Internal Audit • Digital Governance Division
Management Secretary Division • SME & Commercial Banking Division • Human Capital Division
Division Division
• Product Development &
Marketing Strategy Division
• Operations Division
• Treasury Division
• General Services & Procurement
Division
• Branch Office Loan Operations
Division
Berikut adalah penjelasan mengenai tugas, fungsi, wewenang, The following is an overview of the duties, functions, authority, and
dan tanggung jawab masing-masing divisi/unit kerja dalam Tim responsibilities of each division/unit within the RAKB Team/ESG
RAKB/Fungsi LST Bank INA. Function at Bank INA.
Divisi/Bagian Tugas, Fungsi, Wewenang, dan Tanggung Jawab
Division/Department Duties, Functions, Authorities, and Responsibilities
Penanggung Jawab • Merumuskan visi dan misi penerapan keuangan • Formulating the vision and mission of sustainable finance
Person in Charge Keberlanjutan; implementation;
• Menyusun dan menetapkan kebijakan dan prosedur • Developing and establishing policies and procedures for
penerapan keuangan keberlanjutan dengan persetujuan sustainable finance implementation with the approval of
Dewan Komisaris; serta the Board of Commissioners; and
• Memberikan arahan terhadap pelaksanaan penerapan • Providing direction on sustainable finance implementation.
keuangan keberlanjutan.
PT Bank Ina Perdana Tbk 349
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Divisi/Bagian Tugas, Fungsi, Wewenang, dan Tanggung Jawab
Division/Department Duties, Functions, Authorities, and Responsibilities
Koordinator • Mengoordinasikan, mengarahkan, membina, dan • Coordinating, directing, fostering, and supervising all
Coordinator mengawasi segala kegiatan terkait dengan penerapan activities related to the sustainable finance implementation,
keuangan keberlanjutan, termasuk namun tidak terbatas including but not limited to the preparation and monitoring,
pada kegiatan penyusunan dan monitoring, penerapan, implementation, evaluation, and preparation of periodic
evaluasi, dan penyusunan Laporan Keuangan Keberlanjutan sustainable financial reports; and
secara berkala; serta
• Menyampaikan laporan pelaksanaan atas penerapan • Delivering periodic reports on sustainable finance
keuangan keberlanjutan kepada Direksi secara berkala. implementation to the Board of Directors.
Penyusun dan Monitoring • Merancang, merumuskan, dan menyusun RAKB sesuai • Designing, formulating, and preparing RAKB in accordance
Compiler and Monitoring dengan kebijakan dan ketentuan yang berlaku, termasuk with the applicable policies and regulations, including but
namun tidak terbatas pada target market, limit, dan not limited to the target market, limits, and authorities in
kewenangan sesuai dengan kemampuan internal Bank dan accordance with the Bank’s internal capabilities and open
kemampuan/peluang terbuka di pasar; serta capacities/opportunities in the market; and
• Mengoordinasikan penyusunan RAKB dengan melibatkan • Coordinating RAKB preparation by involving related work
unit kerja terkait, termasuk evaluasi atas pencapaian target units, including evaluation of target achievement and RAKB
dan realisasi atas RAKB. realization.
Evaluasi dan Quality • Memastikan penerapan keuangan keberlanjutan sesuai • Ensuring that sustainable finance implementation
Evaluation and Quality dengan kebijakan dan rencana kerja penerapan keuangan is in accordance with the policies and work plans for
keberlanjutan; implementing sustainable finance;
• Merancang, merumuskan, dan menentukan sistem • Designing, formulating, and defining efficient and effective
monitoring yang efisien dan efektif terkait penerapan monitoring system for sustainable finance implementation;
keuangan keberlanjutan; serta and
• Mengevaluasi kebijakan, sistem, dan prosedur penerapan • Evaluating policies, systems, and procedures for implementing
keuangan keberlanjutan, serta memberikan rekomendasi sustainable finance, and providing recommendations for
penyempurnaannya. improvement.
Laporan Keberlanjutan Menyusun laporan penerapan keuangan keberlanjutan secara Preparing periodic reports on sustainable finance
Sustainability Report berkala sesuai ketentuan yang berlaku dan menyampaikannya implementation in accordance with applicable regulations and
kepada pihak yang berwenang sesuai tenggat waktu yang submitting the reports to competent authorities according to
ditetapkan. the stipulated deadline.
Supporting Mendukung dan membantu sepenuhnya terkait dengan Fully supporting and assisting the sustainable finance
penerapan keuangan keberlanjutan, termasuk namun tidak implementation, including but not limited to providing data,
terbatas pada penyediaan data, informasi, dokumen yang information, required documents, and other matters related
dibutuhkan, dan hal-hal lain terkait proses sosialisasi/ to the dissemination/internalization process being carried out.
internalisasi yang dilakukan.
Pengembangan Kompetensi terkait Keuangan Competency Development related to
Berkelanjutan [POJK51-E.2] Sustainable Finance [POJK51-E.2]
Bank INA secara berkala menyelenggarakan program Bank INA periodically conducts competency development
pengembangan kompetensi terkait keuangan berkelanjutan bagi programs on sustainable finance for the RAKB Team/ESG
Tim RAKB/Fungsi LST serta karyawan lainnya yang terlibat dalam Function and other employees involved in the implementation of
implementasi keuangan berkelanjutan. Kegiatan ini bertujuan sustainable finance. These initiatives aim to enhance knowledge
untuk meningkatkan wawasan dan pemahaman mengenai and understanding of sustainable finance principles, ensuring their
prinsip-prinsip keuangan berkelanjutan agar dapat diterapkan optimal application in the Bank’s operational and strategic aspects.
secara optimal dalam aspek operasional dan strategis Bank. Details of the competency development programs conducted in
Informasi mengenai pelaksanaan program pengembangan 2024 are outlined in the following table.
kompetensi selama tahun 2024 diuraikan dalam tabel berikut.
Jumlah Peserta
Topik Program Pengembangan Penyelenggara Jabatan Peserta
Number of
Development Program Topic Organizer Participant’s Position
Participants
How to Prevent Greenwashing in Otoritas Jasa Keuangan • Direktur Manajemen Risiko dan Kepatuhan 3
Sustainable Finance • Kepala Departemen Technology Operation & Helpdesk
• Learning & Program Development
Financial Services Authority • Director of Risk Management and Compliance
• Head of Technology Operation & Helpdesk Department
• Learning & Program Development
Understanding the Climate Otoritas Jasa Keuangan Pemimpin Kantor Cabang Pembantu 1
Landscape for Financial Institutions Financial Services Authority Head of Sub-Branch Office
350 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Penilaian Risiko atas Penerapan Keuangan Risk Assessment of Sustainable Finance
Berkelanjutan [POJK51-E.3] Implementation [POJK51-E.3]
Bank INA menerapkan manajemen risiko secara efektif Bank INA implements effective and responsible risk management
dan bertanggung jawab untuk mengelola tantangan serta to address challenges and leverage opportunities in supporting
memanfaatkan peluang dalam mendukung pertumbuhan sustainable growth. This risk management framework is overseen
berkelanjutan. Penerapan manajemen risiko ini berada di bawah by all governing bodies, including the President Director and the
pengawasan seluruh organ, termasuk Direktur Utama dan Dewan Board of Commissioners through the Risk Monitoring Committee,
Komisaris melalui Komite Pemantau Risiko, guna memastikan to ensure compliance with applicable policies and regulations.
kesesuaiannya dengan kebijakan dan regulasi yang berlaku. The Risk Management Division regularly evaluates the
Secara berkala, Divisi Manajemen Risiko mengevaluasi penerapan implementation of risk management to identify potential
manajemen risiko untuk mengidentifikasi potensi kelemahan serta weaknesses and gaps in the existing system. The evaluation
kekurangan dalam sistem yang ada. Hasil evaluasi ini menjadi results serve as the basis for improvements and the strengthening
dasar bagi langkah-langkah perbaikan dan penguatan strategi of the Bank’s risk management strategies in the following year.
pengelolaan risiko Bank pada tahun berikutnya. Profil dan mitigasi The profile and mitigation of Bank INA’s sustainable financial risks
risiko keuangan berkelanjutan Bank INA diuraikan sebagai berikut. are outlined as follows.
Jenis Risiko Mitigasi Risiko
Risk Type Risk Mitigation
RISIKO EKONOMI
ECONOMIC RISK
Risiko Kredit • Melakukan analisis yang memadai tentang calon debitur sebelum memberikan kredit,
Debitur pelaku usaha kategori keuangan Keberlanjutan gagal termasuk mengevaluasi histori keuangan dan reputasi mereka;
dalam memenuhi kewajibannya. • Monitoring terhadap kondisi usaha dan pemenuhan kewajiban debitur;
• Restrukturisasi bagi debitur yang masih memiliki prospek usaha dan terdampak pandemi
Covid-19;
• Evaluasi terhadap eksposur kredit Bank; serta
• Pengkinian terhadap kebijakan dan ketentuan perkreditan Bank, disesuaikan dengan
kondisi ekonomi dan pasar yang terjadi.
Credit Risk • Conducting adequate analysis of prospective debtors before providing credit, including
The debtors of business actors in the sustainable finance evaluating their financial history and reputation;
category failed to fulfill their obligations. • Monitoring of business conditions and fulfilment of debtor obligations;
• Restructuring for debtors who still have business prospects and are affected by the Covid-19
pandemic;
• Evaluating the Bank’s credit exposure; and
• Updating the Bank’s credit policies and provisions, adjusted to the prevailing economic and
market conditions.
Risiko Kepatuhan • Melakukan diseminasi peraturan-peraturan kepada Manajemen dan Unit Kerja Pelaksana,
Sanksi administratif berupa teguran atau peringatan termasuk hal-hal yang harus dipenuhi Bank;
tertulis atau denda bagi bank yang tidak melaksanakan aksi • Sertifikasi Manajemen Risiko dan refreshment bagi pejabat Bank, sesuai tingkatannya,
keuangan keberlanjutan serta berpotensi mempengaruhi secara berkesinambungan; serta
nilai tingkat kesehatan bank. • Melakukan Quality Assurance Policy and Procedure yang dilakukan oleh Unit Kerja Kepatuhan.
Compliance Risk • Conducting dissemination of regulations to Management and Implementing Work Units,
Administrative sanctions in the form of written reprimands or including matters that must be fulfilled by the Bank;
warnings or fines for banks that do not carry out sustainable • Risk Management Certification and refreshment for Bank officials, according to their level, on
finance actions, and have the potential to affect the an ongoing basis; and
soundness level of the bank. • Implementing Quality Assurance Policy and Procedure by the Compliance Work Unit.
Risiko Stratejik • Memantau kinerja Bank yang merupakan hasil dari pelaksanaan strategi usaha maupun
Pencapaian kinerja yang tidak mencapai target dalam RAKB. Rencana Bisnis Bank (RBB) yang dibahas pada rapat-rapat pengurus, Komite Pengarah
Teknologi Informasi, rapat ALCO, dan sebagainya;
• Meningkatkan kompetensi SDM sejalan dengan perkembangan digital banking; serta
• Melakukan penyesuaian kebijakan dan prosedur terhadap lingkungan bisnis (eksternal dan
internal) serta peraturan yang berlaku.
Strategic Risk • Monitoring the Bank’s performance, which is the result of the implementation of business
Performance achievement that does not reach RAKB target. strategy and Bank’s Business Plan (RBB) and discussed at management meetings,
Information Technology Steering Committee, ALCO meetings, and so on;
• Improving HR competencies in line with digital banking developments; and
• Adjusting policies and procedures to the business environment (external and internal) and
applicable regulations.
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Social and Environmental Sustainability
Jenis Risiko Mitigasi Risiko
Risk Type Risk Mitigation
Risiko Reputasi • Meminimalkan/menghindari pelanggaran terhadap peraturan yang berlaku, khususnya
Potensi risiko adanya opini negatif yang timbul karena Bank terkait keuangan keberlanjutan;
tidak melakukan aksi keuangan Keberlanjutan. • Menangani keluhan nasabah dengan baik;
• Meningkatkan kualitas pelayanan terhadap nasabah; serta
• Menangani keluhan nasabah dengan baik.
Reputation Risk • Minimizing/avoiding violations of applicable regulations, particularly regarding sustainable
Potential risk of negative opinion arising because the Bank finance;
does not carry out sustainable finance actions. • Handling customer complaints properly;
• Improving the quality of service to customers; and
• Handling customer complaints properly.
Risiko Hukum • Sebelum proyek pembiayaan dijalankan, terlebih dahulu dianalisis oleh Departemen Legal
Potensi tuntutan pihak ketiga akibat proyek pembiayaan untuk mengantisipasi adanya kelemahan hukum;
yang menyebabkan terjadinya kerusakan lingkungan. • Mempersiapkan materi kasus dan pemantauan proses hukum yang sedang berlangsung;
serta
• Meningkatkan aspek pengendalian internal dalam memberikan penawaran kredit,
pengikatan dan perjanjian kredit, pengikatan jaminan dan perjanjian kerja sama dengan
pihak ketiga.
Legal Risk • Before a financing project is executed, first the Legal Department shall analyze such to
Potential third-party lawsuit due to financing projects that anticipate legal weaknesses;
cause environmental damage. • Preparing case materials and monitoring ongoing legal processes; and
• Improving internal control aspects in offering credit, credit binding and agreement, binding
guarantees, and cooperation agreements with third parties.
Risiko Operasional • Menumbuhkan kesadaran akan risiko kepada setiap karyawan;
Potensi risiko RAKB yang tidak berjalan karena SDM yang • Meningkatkan tanggung jawab setiap pelaksanaan operasional;
tidak memadai, proses internal yang tidak mendukung, dan • Melakukan perbaikan infrastruktur Bank; serta
kejadian eksternal yang memengaruhi proses pencapaian • Menerbitkan dan melakukan review terhadap ketentuan untuk mendukung aktivitas
RAKB. operasional Bank, khususnya terkait keuangan keberlanjutan.
Operational Risk • Growing risk awareness to every employee;
RAKB potential risks that do not work due to inadequate • Increasing the responsibility for each operational implementation;
human resources, unsupportive internal process, and • Improving the Bank’s infrastructure; and
external events affecting the process of achieving RAKB. • Publishing and reviewing provisions to support the Bank’s operational activities, particularly
related to sustainable finance.
RISIKO SOSIAL
SOCIAL RISK
Kegagalan penerapan prinsip keuangan keberlanjutan Mengikutsertakan karyawan dalam pelatihan terkait keuangan keberlanjutan, baik yang
di internal yang terjadi akibat rendahnya pemahaman terkait diselenggarakan oleh internal maupun eksternal Bank.
keuangan keberlanjutan yang dimiliki oleh karyawan dan
(calon) debitur Bank.
Failure to implement sustainable finance principles Enrolling employees in training programs related to sustainable finance, held internally by the
internally due to low understanding of the Bank’s employees Bank or externally.
and (prospective) debtors on sustainable finance.
RISIKO LINGKUNGAN
ENVIRONMENTAL RISK
Pembiayaan terhadap Kegiatan Usaha yang Tidak Menetapkan syarat minimum terhadap penyaluran kredit pada kegiatan usaha yang terkait
Bertanggung Jawab langsung dengan lingkungan, seperti kelengkapan dokumen Analisis Mengenai Dampak
Pembiayaan terhadap kegiatan usaha yang tidak Lingkungan Hidup (AMDAL) dan Program Penilaian Peringkat Kinerja Perusahaan dalam
bertanggung jawab dapat merusak reputasi Bank dan Pengelolaan Lingkungan Hidup (PROPER).
keberlanjutan ekosistem lingkungan hidup.
Financing of Irresponsible Business Activities Establishing minimum requirements for lending to business activities that are directly related to
Financing for Irresponsible Business Activities Financing the environment, such as completeness of Environmental Impact Analysis (AMDAL) documents
irresponsible business activities can damage the Bank’s and the Company Performance Rating Program in Environmental Management (PROPER).
reputation and sustainability of environmental ecosystem.
Risiko terkait Iklim Mengintegrasikan pertimbangan iklim dalam strategi bisnis, mengadopsi praktik keuangan
Perubahan iklim dapat memberikan dampak signifikan pada keberlanjutan, melakukan evaluasi risiko iklim terpadu, dan mengembangkan skenario stres
kinerja keuangan debitur, terutama bagi sektor usaha yang iklim untuk memahami dampak potensialnya terhadap portofolio. Selain itu, Bank juga
rentan terhadapnya. Risiko iklim ini merujuk pada risiko berupaya mendukung proyek-proyek hijau dan berinvestasi dalam inovasi teknologi yang
transisi dan juga risiko fisik. berkontribusi pada mitigasi perubahan iklim.
Climate-related risks Integrating climate considerations into business strategies, adopting sustainable finance
Climate change can have a significant impact on the financial practices, conducting integrated climate risk evaluations, and developing climate stress
performance of debtors, especially for business sectors that scenarios to understand their potential impact on the portfolio. In addition, the Bank also
are vulnerable to it. Climate risk refers to transition risk as strives to support green projects and invest in technological innovations that contribute to
well as physical risk. climate change mitigation.
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Tantangan Penerapan Prinsip Keuangan Challenges of Implementing Sustainable Finance
Keberlanjutan dan Strategi ke Depan [POJK51-E.5] Principles and Future Strategies [POJK51-E.5]
Tantangan dalam penerapan keuangan Keberlanjutan serta strategi The challenges in implementing sustainable finance and the Bank’s
ke depan telah ditetapkan oleh Bank, yang diuraikan sebagai forward-looking strategies have been identified and are outlined as
berikut. follows.
Tantangan Strategi
Challenge Strategy
Perubahan kebijakan pemerintah. Melakukan analisis kesesuaian aktivitas operasional dengan kebijakan pemerintah, khususnya
yang terkait Keberlanjutan.
Changes in government policy. Conducting an analysis of the suitability of operational activities with government policies,
especially those related to sustainability.
Kebutuhan terhadap bekal pengetahuan yang cukup bagi Meningkatkan pemahaman karyawan, khususnya analis maupun account officer, terkait
analis maupun account officer, khususnya terkait pemberian keuangan keberlanjutan dan/atau lingkungan hidup.
kredit bagi kegiatan usaha keberlanjutan.
The need for adequate knowledge for analysts and account Increasing employees understanding, particularly analysts and account officers, related to
officers, particularly related to granting credit for sustainable sustainable finance and/or the environment.
business activities.
Kebutuhan terhadap produk-produk Bank yang Mengembangkan produk pembiayaan dengan prinsip keuangan keberlanjutan.
mengakomodir kegiatan usaha keberlanjutan.
The needs for the Bank’s products that accommodate Developing financing products with sustainable finance principles.
sustainable business activities.
Kemampuan dunia usaha untuk menyerap penyaluran • Melanjutkan upaya restrukturisasi kredit secara selektif, terutama bagi sektor-sektor yang
dana kredit dari Bank saat ini mulai menunjukkan masih terdampak pemulihan ekonomi;
pemulihan, meskipun masih menghadapi tantangan akibat • Melakukan pengawasan intensif terhadap kualitas kredit dan profil risiko debitur;
ketidakpastian ekonomi global dan domestik. • Melakukan penilaian atas keberlangsungan usaha debitur serta memastikan pencadangan
yang memadai; serta
• Memasarkan produk kredit produktif kepada pelaku usaha dengan rekam jejak yang baik,
terutama pada sektor-sektor prioritas yang memiliki prospek pertumbuhan berkelanjutan.
The ability of business world to absorb lending funds • Selectively continuing the credit restructuring effort, particularly for sectors still affected by
from the Bank is starting to show recovery, even with the the economic recovery;
remaining challenges due to global and domestic economic • Intensively supervising the credit quality and debtor’s risk profile;
uncertainties. • Assessing debtor’s business continuity and ensuring adequate reserves; and
• Marketing various productive credit products to entrepreneurs with good track record,
particularly in priority sectors with sustainable growth prospects.
Uji Tuntas Aspek Keberlanjutan Due Diligence of Sustainability Aspect
Bank INA melakukan analisis mendalam terhadap dampak Bank INA conducts in-depth analyses of the significant impacts
signifikan yang dihasilkan dari aktivitas usaha, baik secara langsung generated by its business activities, both directly and indirectly.
maupun tidak langsung. Selain itu, Bank juga mengidentifikasi Additionally, the Bank identifies stakeholder expectations regarding
ekspektasi pemangku kepentingan terhadap program keberlanjutan the sustainability programs implemented. Information on material
yang dijalankan. Informasi terkait isu-isu material dan dampaknya issues and their impacts is detailed in the Determination of Content
telah diuraikan dalam bagian Penentuan Isi dan Topik Material and Material Topics section of this Annual Report.
pada Laporan Tahunan ini.
Selain itu, Fungsi LST Bank INA secara berkala meninjau peraturan Furthermore, Bank INA’s ESG Function periodically reviews
dan perundang-undangan untuk memastikan seluruh program regulations and legislation to ensure that all sustainability
keberlanjutan yang dilaksanakan telah sesuai dengan regulasi programs comply with applicable regulations. The results of these
yang berlaku. Hasil dari peninjauan ini menjadi acuan dalam reviews serve as a reference for developing sustainability programs
pengembangan program keberlanjutan di periode berikutnya, in the following period, while also considering stakeholder needs
dengan tetap mempertimbangkan kebutuhan pemangku and aligning them with the Bank’s vision, mission, and targets.
kepentingan serta menyelaraskannya dengan visi, misi, dan target This process includes analyzing achievements and assessing
Bank. Proses ini juga mencakup analisis pencapaian serta potensi potential risks associated with planned programs.
risiko yang mungkin muncul dari program yang direncanakan.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Dalam penyusunan dan implementasi program keberlanjutan, In designing and implementing sustainability programs, the
Bank menerapkan pendekatan bottom-up, termasuk menjalin kerja Bank adopts a bottom-up approach, collaborating with various
sama dengan berbagai pihak yang memiliki kepentingan sejalan. stakeholders with aligned interests. By actively engaging
Dengan melibatkan pemangku kepentingan secara aktif, Bank INA stakeholders, Bank INA ensures that its sustainability programs are
memastikan bahwa program keberlanjutan yang diterapkan lebih well-targeted and provide long-term benefits for both internal and
tepat sasaran dan dapat memberikan manfaat jangka panjang bagi external stakeholders.
seluruh pemangku kepentingan, baik internal maupun eksternal.
Pendekatan Holistik Terintegrasi dalam Integrated Holistic Approach in
Pelaksanaan Keberlanjutan the Implementation of Sustainability
Dalam upaya mencapai keberlanjutan, Bank INA menerapkan To achieve sustainability, Bank INA applies an integrated holistic
pendekatan holistik yang terintegrasi dengan mengacu pada approach based on the triple bottom line concept (people, profit,
konsep triple bottom line (people, profit, dan planet). Pendekatan ini and planet). This approach aligns with the seven core subjects of
selaras dengan 7 Subjek Inti ISO 26000, yang menjadi dasar dalam ISO 26000, which serve as the foundation for the formulation and
perumusan dan pelaksanaan program keberlanjutan Bank INA. implementation of Bank INA’s sustainability programs.
ISO 26000 Social Responsibility
Tata Kelola Organisasi Praktik Ketenagakerjaan, Kesehatan, dan Keselamatan Kerja
Organizational Governance Employment, Occupational Health, and Safety Practices
Pemenuhan Hak Asasi Manusia Pelibatan dan Pengembangan Masyarakat
Fulfillment of Human Rights Community Engagement and Development
Prosedur Operasi yang Adil
Fair Operating Procedures
Produk/Jasa serta Pelanggan, Mitra Usaha, dan Investor
Products/Services as well as Customers, Business Partners, and
Investors
Lingkungan Hidup
Environment
Lingkup dan Program Keberlanjutan yang Mandatory and Voluntary Sustainability
Merupakan Kewajiban Maupun Melebihi Scope and Programs
Kewajiban
Program keberlanjutan yang merupakan kewajiban maupun Bank INA’s sustainability programs, both those mandated by
melebihi kewajiban dari Bank INA dijelaskan sebagai berikut. regulations and voluntary initiatives that go beyond compliance,
are outlined as follows.
Insiatif Program Keberlanjutan Landasan Hukum
Sustainability Program Initiative Legal Foundation
Lingkungan • Undang-Undang No. 32 Tahun 2009 tentang Perlindungan dan Pengelolaan Lingkungan Hidup; serta
• Peraturan Otoritas Jasa Keuangan No. 51 Tahun 2017 tentang Penerapan Keuangan Keberlanjutan
Bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
Environment • Law No. 32 of 2009 on Environmental Protection and Management; and
• Financial Services Authority Regulation No. 51 of 2017 on Implementation of Sustainable Finance
for Financial Services Institutions, Issuers, and Public Companies.
Ketenagakerjaan • Undang-Undang No. 6 Tahun 2023; serta
• Peraturan Pemerintah No. 36 Tahun 2021 tentang Pengupahan.
Manpower • Law No. 6 of 2023; and
• Government Regulation No. 36 of 2021 on Wages.
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Insiatif Program Keberlanjutan Landasan Hukum
Sustainability Program Initiative Legal Foundation
Keselamatan Kerja Undang-Undang No. 1 Tahun 1970 tentang Keselamatan Kerja.
Occupational Safety Law No. 1 of 1970 on Occupational Safety.
Perlindungan Nasabah • Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Pelanggan;
• Pasal 3 No. 2 (i) terkait Memperkuat Perlindungan atas Data Pribadi Nasabah Sektor Keuangan dalam
Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan;
• Peraturan Otoritas Jasa Keuangan No. 1/POJK.03/2013 tentang Perlindungan Konsumen Sektor Jasa
Keuangan; serta
• Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 tentang Transparansi Informasi Produk Bank dan
Penggunaan Data Pribadi Nasabah.
Customer Protection • Law No. 8 of 1999 on Customer Protection;
• Article 3 No. 2 (i) related to Strengthening the Protection of Personal Data of Financial Sector Customers in
Law No. 4 of 2023 on Financial Sector Development and Strengthening;
• Financial Services Authority Regulation No. 1/POJK.03/2013 on Consumer Protection in the Financial
Services Sector; and
• Financial Services Authority Regulation No. 1/POJK.07/2013 on Transparency of Bank’s Product Information
and Use of Customer Personal Data.
Program Anti-Korupsi dan Anti-Fraud Undang-Undang No. 20 Tahun 2001 tentang Perubahan atas Undang-Undang No. 31 tahun 1999 tentang
Pemberantasan Tindak Pidana Korupsi.
Anti-Corruption and Anti-Fraud Program Law No. 20 of 2001 on Amendments to Law No. 31 of 1999 on Eradication of Corruption Criminal Act.
Literasi dan Inklusi Keuangan Peraturan Otoritas Jasa Keuangan No. 3 Tahun 2023 tentang Peningkatan Literasi dan Inklusi Keuangan
di Sektor Jasa Keuangan bagi Konsumen dan/atau Masyarakat.
Financial Literacy and Inclusion Financial Services Authority Regulation No. 3 of 2023 on Increasing Financial Literacy and Inclusion in
the Financial Services Sector for Consumers and/or the Community.
Selain program tersebut, Bank juga menjalankan inisiatif di luar In addition to these programs, the Bank also undertakes voluntary
kewajiban regulasi, seperti pemberian beasiswa dan bantuan sosial initiatives beyond regulatory requirements, such as providing
bagi masyarakat di sekitar area operasional. scholarships and social assistance to communities around its
operational areas.
Keberlanjutan Pengembangan Sosial
Sustainability of Social Development
Penegakan Hak Asasi Manusia [ESG-S.09] Enforcement of Human Rights [ESG-S.09]
Komitmen Commitment
Bank INA menempatkan penegakan hak asasi manusia (HAM) Bank INA prioritizes the enforcement of human rights (HAM) in
sebagai prioritas utama dalam menciptakan lingkungan kerja yang creating a work environment that respects and protects employee
menghormati dan melindungi hak-hak karyawan. Komitmen ini rights. This commitment is reflected in the implementation of
diwujudkan melalui penerapan prinsip keberagaman, kesetaraan, diversity, equality, and compliance principles in accordance with
serta kepatuhan terhadap peraturan yang berlaku. Meskipun saat ini applicable regulations. While the Bank’s human rights policy
kebijakan HAM masih terintegrasi dalam berbagai kebijakan internal is currently integrated into various internal policies, the Bank
lainnya, Bank tetap berkomitmen untuk memastikan perlindungan remains committed to ensuring protection against discrimination,
terhadap diskriminasi, eksploitasi, dan pelanggaran hak lainnya exploitation, and other rights violations as part of responsible
sebagai bagian dari prinsip tata kelola yang bertanggung jawab. governance principles.
Lingkup Tanggung Jawab Scope of Responsibilities
Bank telah menetapkan lingkup tanggung jawab terkait penerapan The Bank has defined the scope of responsibility for human rights
HAM, terdiri dari: implementation, which includes:
1. Menghindari keterlibatan pada kegiatan yang melanggar HAM; 1. Avoiding involvement in activities that violate human rights;
2. Melakukan penanganan keluhan pemangku kepentingan 2. Handling stakeholders’ complaints properly;
dengan baik;
3. Tidak melakukan tindakan-tindakan diskriminatif; 3. Not taking discriminatory actions;
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
4. Melakukan pemenuhan hak-hak sipil dan politik bagi karyawan; 4. Fulfilling employees’ civil and political rights;
5. Melaksanakan pemenuhan hak ekonomi sosial dan budaya 5. Fulfilling employees’ economic, social, and cultural rights; and
bagi karyawan; serta
6. Menjalankan pemenuhan prinsip fundamental dan hak dalam 6. Fulfilling fundamental principles and rights in the work
lingkungan kerja. environment.
Pelaksanaan Inisiatif Implementation of the Initiative
Berikut adalah uraian mengenai pelaksanaan inisiatif Bank INA The following outlines Bank INA’s initiatives in enforcing human
dalam penegakan HAM di lingkungan internal. rights within its internal environment.
1. Praktik Kerja Tanpa Pelibatan Tenaga Kerja Anak ataupun 1. Occupational Practices Without Involving Child Labor or
Kerja Paksa [POJK51-F.19] [ESG-S.10] Forced Labor [POJK51-F.19] [ESG-S.10]
Bank INA berkomitmen untuk memastikan tidak adanya Bank INA is committed to ensuring that no forced labor or
praktik kerja paksa maupun pelibatan tenaga kerja anak dalam child labor is involved in any of its operational activities.
seluruh aktivitas operasionalnya. Komitmen ini selaras dengan This commitment aligns with Law No. 11 of 2020 on Job
Undang-Undang No. 11 Tahun 2020 tentang Cipta Kerja, Creation, Government Regulation No. 36 of 2021 on Wage
Peraturan Pemerintah No. 36 Tahun 2021 tentang Pengupahan, Policy, and International Labour Organization (ILO) Convention
serta Konvensi International Labour Organization (ILO) No. 138 No. 138 on the Minimum Age for Employment.
tentang Usia Minimum untuk Bekerja.
Mengacu pada regulasi tersebut, Bank menetapkan waktu In accordance with these regulations, the Bank sets a
kerja maksimal 40 jam per minggu. Jika terdapat kelebihan jam maximum working time of 40 hours per week. If overtime
kerja, upah lembur diberikan sesuai dengan ketentuan dalam occurs, compensation is provided based on the provisions
Perjanjian Kerja Bersama (PKB), dan karyawan memiliki hak of the Collective Labor Agreement (PKB), and employees
untuk menolak kerja lembur dengan mengajukan keberatan. have the right to refuse overtime by submitting an objection.
Selain itu, dalam proses rekrutmen, Bank memastikan bahwa Additionally, during the recruitment process, the Bank ensures
tenaga kerja yang dipekerjakan berusia minimal 18 tahun. that all hired employees are at least 18 years old.
2. Hak Cuti 2. Leave Rights
Setiap karyawan Bank INA berhak atas cuti tahunan minimal Each Bank INA employee is entitled to a minimum of 12 working
12 hari kerja per tahun, yang dapat bertambah sesuai masa days of annual leave per year, which may increase based on
kerja hingga maksimal 18 hari kerja per tahun. tenure up to a maximum of 18 working days per year.
3. Izin Menjalankan Ibadah 3. Permission to Conduct Worship
Bank INA menghargai dan mendukung kebebasan beribadah Bank INA respects and supports religious freedom as part of
sebagai bagian dari komitmen terhadap keberagaman dan its commitment to diversity and employee rights. The Bank
hak karyawan. Bank memberikan kesempatan bagi seluruh ensures that all employees can practice their faith without
karyawan untuk menjalankan ibadah sesuai keyakinan obstacles, including through work schedule adjustments or
masing-masing tanpa hambatan, termasuk melalui special leave on religious holidays.
penyesuaian jam kerja atau cuti khusus pada hari besar
keagamaan.
4. Izin Melahirkan dan Izin Laktasi 4. Maternity Leave and Lactation Permit
Bank INA memberikan izin melahirkan sesuai dengan Bank INA grants maternity leave in accordance with Article 82
Pasal 82 dan Pasal 93 ayat (2c) dan (4e) Undang-Undang and Article 93 (2c) and (4e) of Law No. 13 of 2003 on Manpower
No. 13 Tahun 2003 tentang Ketenagakerjaan, serta menetapkan and provides lactation leave based on Article 34 of Government
izin laktasi berdasarkan Pasal 34 Peraturan Pemerintah Regulation No. 33 of 2012 on Exclusive Breastfeeding. All these
No. 33 Tahun 2012 tentang Pemberian Air Susu Ibu Eksklusif. policies are implemented while ensuring the smooth execution
Seluruh kebijakan ini diterapkan dengan tetap memperhatikan of employees’ duties and responsibilities.
kelancaran tugas dan tanggung jawab karyawan.
5. Kebebasan Berserikat dan Berkumpul 5. Freedom of Association and Assembly
Bank INA menjunjung tinggi hak karyawan untuk berserikat Bank INA upholds employees’ rights to form an association
dan berkumpul dengan memberikan kebebasan dalam and assemble by granting the freedom to establish a Labor
pembentukan Serikat Pekerja. Pembentukan ini harus sesuai Union. This establishment must comply with Article 28 of the
dengan Pasal 28 Undang-Undang Dasar Republik Indonesia Constitution of the Republic of Indonesia and Presidential
serta Keputusan Presiden No. 83 Tahun 1998 yang meratifikasi Decree No. 83 of 1998, which ratifies International Labour
Konvensi International Labour Organization (ILO) No. 87 Organization (ILO) Convention No. 87 of 1948 on Freedom
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Tahun 1948 tentang Kebebasan Berserikat dan Perlindungan of Association and Protection of the Right to Organize.
Hak Membentuk Organisasi. Kebijakan ini bertujuan This policy aims to create a platform for employees to voice
menciptakan ruang bagi karyawan untuk menyuarakan their aspirations collectively, fostering a harmonious industrial
aspirasi secara kolektif, guna memperkuat hubungan industrial relationship.
yang harmonis.
6. Kebijakan Bank Mengenai Pelecehan Seksual dan/atau 6. Bank Policy on Sexual Harassment and/or Non-Discrimination
Non-Diskriminasi [ESG-S.08] [ESG-S.08]
Bank INA berkomitmen untuk memastikan lingkungan kerja Bank INA is committed to ensuring an inclusive work
yang inklusif, bebas dari pelecehan seksual maupun environment free from sexual harassment and discrimination.
diskriminasi. Saat ini, kebijakan pelecehan seksual Currently, the sexual harassment policy is integrated into
telah menjadi bagian dari Kode Etik, sedangkan prinsip the Code of Conduct, while non-discrimination principles
non-diskriminasi terus diperkuat dalam kebijakan continue to be reinforced within the Bank’s employment and
ketenagakerjaan dan operasional Bank. operational policies.
Capaian Kegiatan Activity Achievements
Selama tahun 2024, kegiatan penegakkan HAM di internal Bank Throughout 2024, human rights enforcement within the Bank has
telah terlaksana dengan baik, seperti: been effectively implemented, including the following initiatives:
1. Terbentuknya hubungan kerja yang baik dengan karyawan, 1. Establishment of good working relationships with employees,
sehingga meningkatkan kinerja Bank; and thereby, increasing the Bank’s performance;
2. Terbentuknya lingkungan kerja yang nyaman bagi seluruh 2. Establishment of comfortable work environment for all
karyawan; serta employees; and
3. Tidak terdapat laporan pelanggaran HAM yang diterima oleh 3. No reports of human rights violations received by the Bank.
Bank. [ESG-S.07] [ESG-S.07]
Penghargaan dan Sertifikasi Awards and Certifications
Di tahun 2024, Bank INA belum mendapatkan penghargaan atau In 2024, Bank INA has not received any awards or certifications
sertifikasi terkait HAM. Meskipun demikian, penerapan inisiatif ini related to human rights. Nevertheless, the implementation of these
tetap dilakukan secara optimal. initiatives continues to be carried out optimally.
Praktik Operasi yang Adil Fair Operating Practices
Komitmen Commitment
Bank INA berkomitmen untuk menerapkan praktik operasi Bank INA is committed to implementing fair and responsible
yang adil dan bertanggung jawab dengan menjunjung operational practices by upholding transparency, integrity, and
transparansi, kejujuran, serta kepatuhan terhadap peraturan dan compliance with applicable laws and regulations. The Bank also
perundang-undangan yang berlaku. Bank juga memastikan ensures that every business decision considers the interests
bahwa setiap keputusan bisnis mempertimbangkan kepentingan of all stakeholders and is based on the principles of efficiency,
seluruh pemangku kepentingan dan didasarkan pada prinsip effectiveness, competitiveness, transparency, fairness, equity,
efisiensi, efektivitas, kompetitif, transparansi, keadilan, kewajaran, and accountability.
serta akuntabilitas.
Pelaksanaan Inisiatif Implementation of the Initiative
Berikut adalah uraian mengenai pelaksanaan inisiatif Bank INA The following outlines Bank INA’s initiatives in implementing fair
dalam praktik operasi yang adil di lingkungan internal. operational practices within its internal environment.
1. Pengadaan Barang dan Jasa 1. Procurement of Goods and Services
Kebijakan terkait pengadaan barang dan jasa Bank merujuk The Bank’s policies on goods and services procurement refer to:
pada:
a. Pedoman & Kebijakan Alih Daya No. SDM/001/00/0818; a. Outsourcing Guidelines & Policy No. HR/001/00/0818;
b. Kebijakan Pengadaan Barang dan/atau Jasa b. Goods and/or Services Procurement Policy
No. UM/016/01/1221 tanggal 14 Desember 2021; serta No. UM/016/01/1221 dated December 14, 2021; and
c. Satuan Operasional Prosedur No. 108 tentang Penggunaan c. Operational Unit Procedure No. 108 on the Use of
Penyedia Barang Jasa Teknologi dan Informasi. Technology and Information Service Goods Providers.
PT Bank Ina Perdana Tbk 357
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
2. Pencegahan Benturan Kepentingan 2. Prevention of Conflict of Interest
Bank INA berkomitmen untuk mencegah benturan kepentingan Bank INA is committed to preventing conflicts of interest and
dan intervensi dari pihak mana pun, termasuk pemegang external interventions, including from shareholders, to ensure
saham, guna memastikan praktik bisnis yang profesional professional and transparent business practices. Individuals
dan transparan. Individu atau pihak yang memiliki benturan or parties with a conflict of interest are not permitted to
kepentingan tidak diperbolehkan berpartisipasi dalam proses participate in decision-making processes. If a decision must
pengambilan keputusan. Apabila keputusan tetap harus involve a party with a conflict of interest, the process must
melibatkan pihak yang memiliki benturan kepentingan, be conducted transparently, prioritizing the Bank’s interests.
maka proses pengambilan keputusan harus dilakukan secara All conflict-of-interest situations must also be disclosed in
transparan dan selalu mengutamakan kepentingan Bank. relevant decisions and reports.
Seluruh kondisi benturan kepentingan juga harus diungkapkan
dalam keputusan dan laporan yang relevan.
3. Larangan Insider Trading [ESG-G.08] 3. Prohibition of Insider Trading [ESG-G.08]
Bank INA berkomitmen untuk menerapkan prinsip keadilan, Bank INA is committed to implementing the principles of
transparansi, dan akuntabilitas dalam pengelolaan informasi fairness, transparency, and accountability in managing its
material, guna melindungi kepentingan seluruh Pemegang material information, to protect the interests of all Shareholders
Saham dan pemangku kepentingan. Dalam rangka memastikan and stakeholders. To ensure fair treatment and prevent the
perlakuan yang adil dan mencegah penyalahgunaan informasi, misuse of information, Bank INA has implemented an Insider
Bank INA telah menerapkan Kebijakan Insider Trading, Trading Policy, as outlined in the Corporate Governance chapter
sebagaimana diuraikan dalam Bab Tata Kelola Perusahaan of this Annual Report.
pada Laporan Tahunan ini.
Kebijakan ini melarang Direksi, Komisaris, dan karyawan untuk This policy prohibits members of the Board of Directors,
memanfaatkan informasi material yang belum dipublikasikan Board of Commissioners, and employees from utilizing the
untuk memperoleh keuntungan pribadi atau menguntungkan unpublished material information for personal gain or to
pihak tertentu. Larangan ini mencakup perdagangan saham benefit specific party. This restriction includes trading shares
berdasarkan informasi yang belum tersedia untuk publik, based on non-public information and sharing such information
serta penyebaran informasi kepada pihak lain yang dapat with others who may gain an unfair advantage.
memberikan keuntungan tidak adil.
Sebagai bentuk penguatan tata kelola, Bank INA juga As part of governance reinforcement, Bank INA also ensures
memastikan bahwa seluruh individu yang memiliki akses that all individuals with access to sensitive information are
terhadap informasi sensitif diwajibkan menjaga kerahasiaan required to maintain data confidentiality and adhere to
data dan mengikuti pedoman etika bisnis yang telah established business ethics guidelines. By implementing this
ditetapkan. Dengan menerapkan kebijakan ini, Bank INA policy, Bank INA aims to enhance shareholder trust, uphold
berupaya meningkatkan kepercayaan Pemegang Saham, market integrity, and prevent regulatory violations that could
menjaga integritas pasar, dan mencegah risiko pelanggaran harm the Bank’s reputation.
regulasi yang dapat merugikan reputasi Bank.
4. Integritas Sistem Perbankan 4. Banking System Integrity
Bank INA berkomitmen untuk menjaga integritas sistem Bank INA is committed to maintaining the integrity of the
perbankan dengan menerapkan standar kepatuhan yang banking system by enforcing high compliance standards and
tinggi serta pencegahan terhadap kejahatan keuangan, preventing financial crimes, including money laundering,
termasuk money laundering, terrorism financing, dan korupsi. terrorism financing, and corruption. All Bank entities are
Seluruh organ Bank diwajibkan menjunjung transparansi, required to uphold transparency, accountability, and
akuntabilitas, serta kepatuhan terhadap regulasi yang berlaku. adherence to applicable regulations. Additionally, employees
Selain itu, karyawan bertanggung jawab untuk mendeteksi dan are responsible for detecting and reporting suspicious accounts
melaporkan rekening yang mencurigakan, guna memastikan to ensure financial system security and stability.
keamanan dan stabilitas sistem keuangan.
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Laporan Tahunan 2024
2024 Annual Report
5. Pencegahan Korupsi dan Gratifikasi [ESG-G.07] 5. Prevention of Corruption and Gratification [ESG-G.07]
Bank INA berkomitmen untuk mencegah korupsi dan gratifikasi Bank INA is committed to preventing corruption and
di seluruh tingkatan organisasi dengan menerapkan Kebijakan gratification at all levels of the organization through the
dan Prosedur Strategi Anti-Fraud No. KEB/RMG/13/03/0923 implementation of Anti-Fraud Strategy Policies and Procedures
tanggal 6 Oktober 2023. Kebijakan ini mencakup Deklarasi No. KEB/RMG/13/03/0923 dated October 6, 2023. This policy
Pakta Integritas yang wajib ditandatangani oleh seluruh includes the Declaration of an Integrity Pact, which must be signed
karyawan sebagai bentuk komitmen terhadap tata kelola by all employees as a commitment to clean and transparent
yang bersih dan transparan. Selain itu, Bank menyediakan governance. Additionally, the Bank provides a whistleblowing
sarana pengaduan pelanggaran terkait korupsi dan mechanism for reporting corruption and gratuity-related
gratifikasi melalui telepon +62 21 252 5678 Ext. 1500 dan email violations via telephone at +62 21 252 5678 Ext. 1500 and email at
antifraud_skai@bankina.co.id. antifraud_skai@bankina.co.id.
Capaian Kegiatan Activity Achievements
Sepanjang tahun 2024, Bank INA telah menerapkan praktik operasi Throughout 2024, Bank INA has effectively implemented fair
yang adil secara efektif, dengan pencapaian sebagai berikut. operational practices, achieving the following milestones.
1. Melibatkan seluruh pemangku kepentingan untuk turut serta 1. Involving all stakeholders to actively participate in anti-bribery
aktif dalam melakukan praktik anti-suap yang berlandaskan practices based on fairness.
secara adil.
2. Menyediakan sarana pelaporan pelanggaran, seperti hotline 2. Providing facilities for reporting violations, such as a
whistleblowing. whistleblowing hotline.
3. Memberikan edukasi awareness yang memadai kepada seluruh 3. Providing adequate awareness education to all stakeholders
pemangku kepentingan terkait Anti-Fraud dan APU-PPT. regarding Anti-Fraud and AML-CFT.
4. Tidak terjadinya benturan kepentingan yang dapat berpotensi 4. No conflict of interest that may potentially and/or harm the
dan/atau merugikan Bank. Bank.
5. Reputasi Bank dapat secara transparan dan dijaga dengan baik. 5. The Bank’s reputation can be well-maintained in a transparent
manner.
Pengelolaan Ketenagakerjaan, Kesehatan, Management of Employment, Occupational
dan Keselamatan Kerja [ESG-S.11] Health and Safety [ESG-S.11]
Komitmen Commitment
Pengelolaan ketenagakerjaan serta kesehatan dan keselamatan Employment management, as well as occupational health and
kerja (K3) dilakukan secara sistematis dan berkelanjutan guna safety (OHS), is carried out systematically and continuously to
menciptakan lingkungan kerja yang produktif, sehat, aman, serta create a productive, healthy, and safe work environment while
mendukung kesejahteraan dan pengembangan karyawan. supporting employee well-being and development.
Pelaksanaan Inisiatif Implementation of the Initiative
Berikut adalah uraian mengenai pelaksanaan inisiatif Bank INA The following outlines Bank INA’s initiatives in employment
dalam pengelolaan ketenagakerjaan dan K3. management and occupational health and safety (OHS).
1. Kesetaraan Kesempatan Bekerja [POJK51-F.18] [ESG-S.01] 1. Equal Employment Opportunity [POJK51-F.18] [ESG-S.01]
Bank INA berkomitmen untuk menciptakan lingkungan Bank INA is committed to creating a fair and inclusive work
kerja yang adil dan inklusif, dengan memastikan kesetaraan environment by ensuring equal opportunities for all qualified
kesempatan bagi seluruh kandidat yang memenuhi kriteria candidates through a transparent and non-discriminatory
dalam proses rekrutmen yang transparan dan bebas dari recruitment process. The Bank also upholds gender equality
diskriminasi. Bank juga menerapkan prinsip kesetaraan principles, reflected in task distribution, job composition,
gender, yang tercermin dalam pembagian tugas, komposisi remuneration, and other aspects. Additionally, the Bank
jabatan, remunerasi, dan aspek lainnya. Selain itu, Bank provides employment opportunities for individuals with
membuka peluang kerja bagi penyandang disabilitas disabilities by placing them in roles that align with their skills
dengan menempatkan mereka di posisi yang sesuai dengan and contributions.
kemampuan dan kontribusinya.
PT Bank Ina Perdana Tbk 359
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Total Karyawan Baru Komposisi Karyawan Wanita Total Karyawan
yang Direkrut pada Jabatan Strategis Penyandang Disabilitas
Total New Employees Composition of Female Total Employees
Recruited Employees in Strategic Position with Disability
282 >45% 1
orang / people
Pria Wanita
Male Female
Level Jabatan
Position Level Persentase Karyawan Persentase Karyawan
Total Karyawan Total Karyawan
Employee Percentage Employee Percentage
Total Employees Total Employees
(%) (%)
Supporting Unit 227 93,03 17 6,97
Entry-Level 199 55,12 162 44,88
Mid-Level 251 57,57 185 42,43
Senior-Level 39 51,32 37 48,68
Executive-Level 36 51,43 34 48,57
Total Karyawan
752 63,35 435 36,65
Total Employees
2. Remunerasi [POJK51-F.20] 2. Remuneration [POJK51-F.20]
Bank INA menerapkan kebijakan remunerasi yang adil, Bank INA implements a fair, transparent, and performance-
transparan, dan berbasis kinerja guna mendukung based remuneration policy to support employee well-
kesejahteraan karyawan serta mendorong produktivitas kerja. being and enhance work productivity. Remuneration
Penetapan remunerasi didasarkan pada metode performance determination is based on the performance appraisal method,
appraisal, rekomendasi Komite Nominasi dan Remunerasi, recommendations from the Nomination and Remuneration
serta mempertimbangkan peraturan perundang-undangan, Committee, and considerations such as applicable laws and
upah minimum regional/provinsi (UMR/UMP), kebijakan industri regulations, regional/provincial minimum wages (UMR/UMP),
sejenis, dan faktor lainnya. Selain itu, Bank juga menerapkan industry standards, and other relevant factors. Additionally, the
remunerasi variabel dalam bentuk insentif atau bonus, yang Bank applies variable remuneration in the form of incentives or
diberikan berdasarkan hasil penilaian kinerja karyawan. bonuses, granted based on employee performance evaluations.
Informasi terkait struktur remunerasi karyawan berdasarkan Details on the employee remuneration structure by operational
wilayah operasional diuraikan dalam tabel berikut. region are outlined in the following table.
Upah Karyawan Tetap Upah Minimum Rasio Upah Karyawan Tetap
Terendah Regional (UMR) Terendah Terhadap UMR
Wilayah
Region Lowest Permanent Regional Ratio of Lowest Permanent
Employee Wages Minimum Wage Employee Wages to UMR
(Rp) (Rp) (%)
Jakarta 5.067.381 5.067.381 100,00
Tangerang Selatan
4.670.791 4.670.791 100,00
South Tangerang
Kota Tangerang
4.760.289 4.760.289 100,00
Tangerang City
Bandung 4.209.309 4.209.309 100,00
Bekasi 5.343.430 5.343.430 100,00
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Upah Karyawan Tetap Upah Minimum Rasio Upah Karyawan Tetap
Terendah Regional (UMR) Terendah Terhadap UMR
Wilayah
Region Lowest Permanent Regional Ratio of Lowest Permanent
Employee Wages Minimum Wage Employee Wages to UMR
(Rp) (Rp) (%)
Karawang 5.257.834 5.257.834 100,00
Bogor 4.813.988 4.813.988 100,00
Depok 4.878.612 4.878.612 100,00
Purwakarta 4.499.768 4.499.768 100,00
Sukabumi 2.834.399 2.834.399 100,00
Yogyakarta 2.492.997 2.492.997 100,00
Semarang 3.243.969 3.243.969 100,00
Solo 2.269.070 2.269.070 100,00
Tegal 2.231.628 2.231.628 100,00
Surabaya 4.725.479 4.725.479 100,00
Malang 3.309.144 3.309.144 100,00
Medan 3.769.082 3.769.082 100,00
Ambon 2.991.299 2.991.299 100,00
Makassar 3.643.321 3.643.321 100,00
Denpasar 3.096.823 3.096.823 100,00
Palu 3.179.859 3.179.859 100,00
Pati 2.190.000 2.190.000 100,00
3. Pendidikan dan Pelatihan [POJK51-F.22] [ESG-S.05] 3. Education and Training Programs [POJK51-F.22] [ESG-S.05]
Bank INA secara berkala menyelenggarakan program Bank INA regularly conducts education and training programs
pendidikan dan pelatihan guna meningkatkan kompetensi to enhance employee competencies and ensure adaptability
karyawan agar tetap adaptif terhadap perkembangan industri. to industry developments. These programs are implemented
Program ini dilaksanakan secara internal maupun melalui both internally and in collaboration with external parties, based
kerja sama dengan pihak eksternal, sesuai dengan kebutuhan on employee development needs. Details on the execution of
pengembangan karyawan. Informasi terkait pelaksanaan education and training programs are outlined in the Business
pendidikan dan pelatihan telah diuraikan dalam Bab Tinjauan Support Review chapter of this Annual Report.
Pendukung Bisnis pada Laporan Tahunan ini.
4. Program Pensiun 4. Pension Program
Sebagai bagian dari komitmen terhadap kesejahteraan As part of its commitment to employee well-being in retirement,
karyawan di masa pensiun, Bank INA menyediakan program Bank INA provides a pension program integrated with BPJS
pensiun yang diintegrasikan dengan BPJS Ketenagakerjaan. Ketenagakerjaan. This program applies to active employees
Program ini berlaku bagi karyawan aktif dan memberikan and offers benefits upon reaching retirement age (55 years),
manfaat saat memasuki usia pensiun (55 tahun), berupa: including:
a. Tunjangan Jaminan Pensiun; a. Pension Insurance Benefits;
b. Tunjangan Hari Tua (JHT); dan b. Old Age Allowance (JHT); and
c. Dana Pensiun, yang diberikan secara proporsional c. Pension Funds, which are disbursed proportionally based
berdasarkan masa kerja. on years of service.
Selain itu, Bank juga memberikan opsi bagi pensiunan untuk Additionally, the Bank offers retirees the option to be re-
dipekerjakan kembali sebagai karyawan kontrak, sesuai employed as contract employees, based on business needs and
dengan kebutuhan dan kebijakan yang berlaku. applicable policies.
5. Kesehatan [POJK51-F.21] 5. Health [POJK51-F.21]
Bank INA berkomitmen untuk menjaga kesehatan karyawan Bank INA is committed to maintaining employee health and
dan mendukung produktivitas kerja dengan menyediakan supporting work productivity by providing various healthcare
berbagai fasilitas kesehatan, termasuk rawat inap, rawat benefits, including inpatient and outpatient care, maternity
jalan, persalinan, pembuatan kacamata, dan perawatan gigi. services, eyeglass prescriptions, and dental care. The Bank also
Selain itu, Bank juga memfasilitasi kepesertaan karyawan facilitates employee and family participation in BPJS Kesehatan
dan keluarganya dalam BPJS Kesehatan, guna memastikan to ensure optimal health protection.
perlindungan kesehatan yang optimal.
PT Bank Ina Perdana Tbk 361
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
6. Kegiatan Internal 6. Internal Activities
Bank INA menyelenggarakan kegiatan internal untuk Bank INA organizes internal activities to strengthen workplace
mempererat hubungan kerja dan membangun budaya kerja relationships and foster a positive work culture. One of its
yang positif. Salah satu agenda rutin adalah kunjungan ke regular initiatives includes visits to foundations to share
yayasan dalam rangka berbagi pada peringatan hari besar donations during religious celebrations such as Idul Fitri and
keagamaan, seperti Idul Fitri dan Natal. Christmas.
7. Keselamatan Kerja [POJK51-F.21] 7. Occupational Safety [POJK51-F.21]
Bank INA menempatkan keselamatan kerja sebagai prioritas Bank INA prioritizes workplace safety to protect employees
utama untuk melindungi karyawan dari risiko kecelakaan dan from accidents and emergencies. As part of this commitment,
keadaan darurat. Sebagai bagian dari komitmen ini, Bank the Bank implements various safety initiatives, including:
menerapkan berbagai inisiatif keselamatan, antara lain:
a. Menyediakan apar powder sebagai alat pemadam darurat; a. Providing apar powder as an emergency extinguisher;
b. Menyediakan sprinkle dan hydrant pada instalasi gedung; b. Providing sprinkle and hydrant on building installations;
c. Menyediakan heat detector, smoke detector, dan fire alarm c. Providing heat detector, smoke detector, and fire alarm as
sebagai pengingat bahaya kebakaran; a fire hazard reminder;
d. Menyediakan speaker untuk mengumumkan keadaan d. Providing speaker to declare a state of emergency;
darurat;
e. Menyediakan informasi terkait penggunaan tangga e. Providing information regarding the use of emergency
darurat; stairs;
f. Menyediakan pompa diesel dan pompa elektrik untuk f. Providing diesel pumps and electric pumps for water
kebutuhan air; serta needs; and
g. Melakukan pelatihan evakuasi bencana karyawan g. Conducting employee disaster evacuation training at
di kantor pusat, kantor wilayah, dan kantor cabang. the head office, regional offices, and branch offices.
Capaian Kegiatan Activity Achievements
Sepanjang tahun 2024, Bank INA telah berhasil menerapkan inisiatif Throughout 2024, Bank INA has successfully implemented
ketenagakerjaan dan K3 secara efektif, seperti: employment and occupational health and safety (OHS) initiatives
effectively, including:
1. Terjaminnya kesehatan karyawan dan keluarga; serta 1. Ensuring the health of employees and their families; and
2. Tidak terjadinya kecelakaan kerja karyawan yang terjadi 2. No occupational accidents occurring in the work environment
di lingkungan kerja (zero accident). [ESG-S.06] (zero accident). [ESG-S.06]
Mekanisme Pengaduan Masalah Complaint Mechanism
Bank INA membuka saluran pengaduan bagi karyawan terkait Bank INA provides a complaint channel for employees regarding
ketenagakerjaan dan keselamatan kerja (K3) dengan mekanisme employment and occupational safety (OHS) through the following
sebagai berikut. mechanisms.
1. Bila karyawan memiliki keluhan, ketidakpuasan maupun 1. If employees have complaints, dissatisfaction, or problems
permasalahan antar karyawan dengan atasan maupun between employees and superiors or subordinates, they will
bawahan, akan diselesaikan secara musyawarah mufakat be resolved by deliberation to reach a consensus with their
dengan atasan langsung. immediate supervisor.
2. Apabila belum terdapat penyelesaian, maka karyawan dapat 2. If there is no settlement yet, the employee can forward it to a
meneruskan ke atasan yang lebih tinggi, yaitu membuat higher superior, by preparing a report to the Human Capital
laporan kepada Divisi Human Capital. Division.
3. Apabila seluruh usaha tersebut tidak didapat kesepakatan, 3. If an agreement is not reached after taking all these efforts, the
maka penyelesaian dilakukan sesuai ketentuan perundang- settlement will be carried out in accordance with the provisions
undangan yang berlaku. of the applicable laws and regulations.
4. Karyawan dapat melapor melalui WBS. Bank INA telah memiliki 4. Employees can report through the WBS. Bank INA already
sarana WBS untuk menampung pelaporan atas pelanggaran has a WBS channel to accommodate reports of violations
yang dilakukan oleh pihak internal. committed by internal parties.
Selama 3 tahun terakhir, Bank INA tidak menerima pengaduan Over the past 3 years, Bank INA has not received any complaints
terkait ketenagakerjaan dan K3. related to employment and occupational health and safety (OHS).
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Hubungan yang Baik dengan Mitra Usaha Good Relations with Business Partners
Hubungan yang harmonis dengan mitra usaha memperkuat sinergi A harmonious relationship with business partners strengthens
dalam mencapai tujuan bersama serta menciptakan lingkungan synergy in achieving shared goals and fosters a productive and
kerja yang produktif dan inovatif. Bank INA menjalankan kolaborasi innovative work environment. Bank INA upholds professionalism
ini dengan menjunjung tinggi profesionalisme dan transparansi and transparency in these collaborations to ensure business
guna memastikan keberlanjutan bisnis serta kualitas layanan sustainability and optimal service quality.
yang optimal.
Pemenuhan Kontrak Kerja Fulfillment of Work Contracts
Setiap kerja sama antara Bank INA dan mitra usaha didasarkan Every partnership between Bank INA and its business partners is
pada kontrak kerja yang sah dan telah disepakati bersama. Kedua based on a legally binding and mutually agreed-upon contract.
belah pihak berkomitmen untuk mematuhi seluruh kebijakan dan Both parties are committed to complying with all applicable policies
ketentuan yang berlaku, dengan menjunjung tinggi profesionalisme, and regulations while upholding professionalism, transparency,
transparansi, dan tanggung jawab dalam pelaksanaannya. and accountability in its implementation.
Pengembangan Sosial dan Kemasyarakatan Social and Community Development
[POJK51-F.23] [POJK51-F.23]
Bank INA berkomitmen untuk mendukung pengembangan Bank INA is committed to supporting social and economic
sosial dan ekonomi masyarakat melalui berbagai inisiatif yang development through various initiatives aimed at enhancing
bertujuan meningkatkan kesejahteraan. Komitmen ini tidak community well-being. This commitment not only reflects
hanya mencerminkan tanggung jawab sosial Bank, tetapi juga the Bank’s social responsibility but also strengthens positive
memperkuat hubungan yang positif dengan masyarakat. relationships with the community.
Pelaksanaan Inisiatif [POJK51-F.23] Implementation of the Initiative [POJK51-F.23]
Pelaksanaan inisiatif sosial dan kemasyarakatan dilakukan secara Social and community initiatives are implemented systematically
sistematis dan terstruktur untuk memastikan bahwa program yang and structured to ensure that programs effectively target community
diterapkan tepat sasaran sesuai dengan kebutuhan masyarakat. needs. These initiatives create a positive impact, particularly
Inisiatif ini memberikan dampak positif, terutama melalui produk through the Bank’s products and services designed to improve
dan layanan Bank yang dirancang untuk mempermudah akses financial access and enhance the well-being of both customers and
keuangan serta meningkatkan kesejahteraan masyarakat dan the community. The following outlines the Bank’s initiatives related
nasabah. Berikut adalah uraian mengenai inisiatif Bank terkait to social and community development.
pengembangan sosial dan kemasyarakatan.
1. Penggunaan Tenaga Kerja Lokal [POJK51-F.25] 1. Use of Local Workers [POJK51-F.25]
Sebagai bagian dari dukungan terhadap pertumbuhan As part of its support for regional economic growth, Bank INA
ekonomi daerah, Bank INA memprioritaskan rekrutmen tenaga prioritizes the recruitment of local talent. In 2024, 62% of total
kerja dari masyarakat sekitar. Pada tahun 2024, 62% dari employees at Bank INA’s in Ariobimo Head Office were the
total karyawan Bank INA di Kantor Pusat Ariobimo merupakan local community.
masyarakat lokal.
2. Edukasi dan Literasi Keuangan [POJK51-F.25] 2. Financial Education and Literacy [POJK51-F.25]
Bank INA secara berkala menyelenggarakan kegiatan edukasi Bank INA regularly conducts financial education and literacy
dan literasi keuangan guna meningkatkan pemahaman masyarakat programs to enhance public understanding of sound financial
dalam pengelolaan keuangan yang baik. Pelaksanaan kegiatan management. These initiatives are carried out in accordance
ini merujuk pada Peraturan Otoritas Jasa Keuangan No. 3 with Financial Services Authority Regulation No. 3 of 2023 on
Tahun 2023 tentang Peningkatan Literasi dan Inklusi Keuangan Improving Financial Literacy and Inclusion in the Financial
di Sektor Jasa Keuangan bagi Konsumen dan/atau Masyarakat. Services Sector for Consumers and/or the Public.
Sebagai bagian dari kewajiban kepatuhan, Bank juga As part of its compliance obligations, the Bank also submits
menyampaikan Laporan Rencana dan Realisasi Literasi the Financial Literacy Plan and Realization Report to
Keuangan kepada Departemen Literasi, Inklusi Keuangan, dan the Financial Literacy, Inclusion, and Communication
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Komunikasi Otoritas Jasa Keuangan. Berikut adalah rincian Department of the Financial Services Authority. The following
laporan yang telah disampaikan selama tahun 2024. provides details of the reports submitted throughout 2024.
a. Laporan Rencana Literasi Keuangan Tahun 2024 dengan a. The 2024 Financial Literacy Plan Report No. LRE-2024-000635,
No. Laporan LRE-2024-000635 melalui Sistem Informasi submitted via the Consumer Education and Protection
Pelaporan Edukasi dan Perlindungan Konsumen (SiPeduli) Reporting Information System (SiPeduli) and Microsoft
dan Microsoft Forms Office (link resmi pelaporan Forms Office (the official reporting link for Bank Indonesia’s
Perlindungan Konsumen Bank Indonesia (PKBI)). Consumer Protection (PKBI)).
b. Laporan Realisasi Literasi Keuangan Semester I tanggal b. Financial Literacy Realization Report for Semester I dated
10 Juli 2024 (LPE-SM1-2024-001462) dan Semester II 10 July 2024 (LPE-SM1-2024-001462) and Semester II dated
tanggal 22 Januari 2025 (LPE-SM2-2024-001377) melalui 22 January 2025 (LPE-SM2-2024-001377) through the
Sistem Informasi Pelaporan Edukasi dan Perlindungan Consumer Education and Protection Reporting Information
Konsumen (SiPEDULI) dan Microsoft Forms Office System (SiPEDULI) and Microsoft Forms Office (official
(link resmi pelaporan Perlindungan Konsumen Bank reporting link for Bank Indonesia’s Consumer Protection
Indonesia (PKBI). (PKBI)).
Selama tahun 2024, Bank INA telah menyelenggarakan program Throughout 2024, Bank INA has conducted financial education
edukasi dan literasi keuangan, dengan rincian sebagai berikut. and literacy programs with the following details.
Program Edukasi dan Literasi Keuangan Lokasi Jumlah Peserta
Education and Literacy Programs Location Total Participants
Edukasi Keuangan bagi Masyarakat Rumah Ramah Sejahtera, Tanah Abang, Jakarta Pusat
35
Financial Education for Community Rumah Ramah Sejahtera, Tanah Abang, Central Jakarta
Bulan Ulang Tahun Bank INA Perdana ke-33 Universitas Kristen Krida Wacana (Ukrida), PT Binokular Media Utama,
(Semester 1) SD Hangtuah 10, PT Inti Cakrawala Citra, PT Servindo Jaya Utama, PT Yugen
Bertumbuh Sekuritas, PT Karunia Kreasi Cemerlang, Koperasi Karya Utama
Sentosa, PT Moya Indonesia, dan Member Indogrosir Karawang
197
Krida Wacana Christian University (Ukrida), PT Binokular Media Utama,
Bank INA Perdana’s 33th Anniversary Month SD Hangtuah 10, PT Inti Cakrawala Citra, PT Servindo Jaya Utama, PT Yugen
(First Semester) Bertumbuh Sekuritas, PT Karunia Kreasi Cemerlang, Karya Utama Sentosa
Cooperative, PT Moya Indonesia, and Indogrosir Karawang Member
Bulan Inklusi Keuangan 2024 Cetiya He Xin, Universitas Wisnuwardhana Malang, SDN Kaligangsa 01 Tegal,
(Semester 2) PT Inti Cakrawala Citra (Indogrosir Cabang Bintara), Kiddie Planet, PT Salim
Ivomas Pratama Jakarta, Sekolah Pascal Montessori, Yayasan Perguruan
Nahdlatul Ulama Medan, PT Tri Utama Putra Mataram, PT Inti Cakrawala Citra
(Indogrosir Cabang Cipinang), dan SDN Cisuda.
282
Cetiya He Xin, Wisnuwardhana University Malang, SDN Kaligangsa 01 Tegal,
Financial Inclusion Month 2024 PT Inti Cakrawala Citra (Indogrosir Bintara Branch), Kiddie Planet, PT Salim
(Second Semester) Ivomas Pratama Jakarta, Pascal Montessori School, Nahdlatul Ulama Medan
Educational Foundation, PT Tri Utama Putra Mataram, PT Inti Cakrawala Citra
(Indogrosir Cipinang Branch), and SDN Cisuda.
Bank telah menginvestasikan dana sebesar Rp40.562.316,- The Bank has invested Rp40,562,316 in financial education and
untuk kegiatan edukasi dan literasi keuangan pada tahun 2024. literacy activities in 2024.
3. Layanan Keuangan Inklusif [POJK51-F.25] 3. Inclusive Financial Services [POJK51-F.25]
Bank INA menyediakan layanan keuangan inklusif yang Bank INA provides inclusive financial services accessible to
menjangkau seluruh lapisan masyarakat. Pada tahun 2024, all segments of society. In 2024, these services were offered
layanan ini diwujudkan melalui berbagai produk, antara lain through various products, including Tabina Triple Untung
Tabina Triple Untung Mass, Tabina Triple Untung Affluent - Mass, Tabina Triple Untung Affluent - Individual, Tabina Triple
Individu, Tabina Triple Untung Kelompok, Tabina Berjangka Untung Kelompok, Tabina Berjangka Berhadiah, Tabina Green
Berhadiah, Tabina Green Untung, Tabina Combo, Deposito Untung, Tabina Combo, Deposito Cash Reward, Giro Program
Cash Reward, Program Giro dan Tabina Bisnis, Gratis Biaya and Tabina Bisnis, Free Transaction Fees at ATMs and IBMB,
Transaksi di ATM dan IBMB, Gratis Biaya Transaksi IBB, Cashback Free Transaction Fees for IBB, QRIS Transaction Cashback, Free
Transaksi QRIS, Gratis Biaya BI-Fast, Binadigital - Gratis Biaya BI-Fast Fees, Binadigital - Free BI-Fast Fees, Binadigital - Free
BI-Fast, Binadigital - Gratis Biaya Admin Transaksi Token Listrik, Admin Fees for Electricity Token Transactions, Binadigital -
Binadigital - Cashback Deposito, Binadigital - BINA EXTRA, Deposit Cashback, Binadigital - BINA EXTRA, Binadigital - QRIS
Binadigital - Cashback Transaksi QRIS, Binadigital - Gratis Admin Transaction Cashback, Binadigital - Free Admin Fees for Deposit
Transaksi Setor dan Tarik Tunai di Indomaret, serta Binadigital and Withdrawal Transactions at Indomaret, and Binadigital
- Gratis Admin Transaksi Tarik Tunai dengan Kartu ATM/Debit - Free Admin Fees for ATM/Debit Card Cash Withdrawals via
Binadigital. Binadigital.
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4. Program Pengembangan dan Pemberdayaan Masyarakat 4. Community Development and Empowerment Program
[POJK51-F.25] [ESG-S.12] [POJK51-F.25] [ESG-S.12]
Bank telah melaksanakan program pengembangan dan Over the past 3 years, the Bank has implemented
pemberdayaan masyarakat selama 3 tahun terakhir dalam community development and empowerment programs in
bidang kesehatan, pendidikan, dan donasi lainnya, yang the areas of health, education, and other donations, as detailed
diungkapkan pada tabel berikut. in the following table.
Tahun Uraian
Year Description
KESEHATAN
HEALTH
2024 Sebagai bagian dari dukungan terhadap program pemerintah dalam pengentasan stunting, Bank INA menyalurkan CSR dalam bentuk
125 paket nutrisi bagi masyarakat di 2 lokasi berikut.
• Aula Dinas Kesehatan Kota Bekasi pada tanggal 20 Desember 2024.
• Aula Kantor Kelurahan Sertajaya, Kecamatan Cikarang Timur, Kabupaten Bekasi pada tanggal 27 Desember 2024.
As part of its support for the government’s stunting reduction program, Bank INA distributed CSR assistance in the form of 125 nutrition
packages to communities in the following two locations:
• Bekasi City Health Office Hall on December 20, 2024.
• Sertajaya Village Office Hall, East Cikarang District, Bekasi Regency on December 27, 2024.
2023 Pemberian 125 paket nutrisi untuk balita penderita stunting di wilayah Kecamatan Kosambi, Tangerang. Kegiatan dilaksanakan bekerja sama
dengan Indomaret dan bertujuan untuk membantu pemerintah dalam mengurangi angka stunting.
Providing 125 nutrition packages for toddlers with stunting in Kosambi Sub-District, Tangerang. The activity was carried out in collaboration
with Indomaret and aimed to assist the government in reducing stunting rates.
Pemberian 125 paket nutrisi untuk balita penderita stunting di wilayah Kelurahan Gandasari, Kecamatan Jatiuwung, Tangerang. Kegiatan
dilaksanakan bekerja sama dengan Indomaret dan bertujuan untuk membantu pemerintah dalam mengurangi angka stunting.
Providing 125 nutrition packages for toddlers with stunting in Gandasari Urban Village, Jatiuwung Sub-District, Tangerang. The activity was
carried out in collaboration with Indomaret and aimed to assist the government in reducing stunting rates.
2022 Pemberian bantuan alat kesehatan berupa alat fisioterapi kepada Wisma Lansia Harapan Asri yang berlokasi di Banyumanik, Semarang, Jawa Tengah.
Providing medical equipment assistance in the form of physiotherapy equipment to Wisma Lansia Harapan Asri located in Banyumanik,
Semarang, Central Java.
PENDIDIKAN
EDUCATION
2024 Pemberian dana beasiswa pada mahasiswa/mahasiswi Universitas Kristen Krida Wacana (Ukrida) tahun 2024.
Provision of scholarship funds for students of Krida Wacana Christian University (Ukrida) in 2024.
2023 Pemberian dana beasiswa pada mahasiswa/mahasiswi Ukrida di semester genap tahun ajaran 2022-2023.
Providing scholarship funds to Ukrida students in the even semesters of 2022-2023.
2022 Pemberian dana beasiswa pada mahasiswa/mahasiswi Ukrida di semester ganjil dan genap tahun 2022.
Providing scholarship funds to Ukrida students in the odd and even semesters of 2022.
Berpartisipasi dalam Program Pengabdian kepada Masyarakat (PPM) yang diselenggarakan oleh STIE Jayakusuma, program ini bersifat
edukatif atau lebih kepada memberikan motivasi agar masyarakat dapat memanfaatkan potensi yang dimilikinya. Kegiatan ini dilaksanakan
di Kampung Kaliabang Dukuh Jaya, Bekasi Utara.
Participating in the Community Service Program (PPM) organized by STIE Jayakusuma, focusing on education and motivating the community
to maximize their potential. This activity was carried out in Kaliabang Dukuh Jaya Village, North Bekasi.
DONASI LAINNYA
OTHER DONATIONS
2024 Pemberian donasi dalam pembuatan pagar halaman di Panti Jompo Wredha Rindang Asih III, Semarang pada tanggal 1-29 Februari 2024.
Donation for the construction of a yard fence at Wredha Rindang Asih III Nursing Home, Semarang, from 1 to 29 February 2024.
Pemberian santunan dan bingkisan berupa makanan dan suvernir untuk 35 anak asuh dan binaan Yayasan Rumah Sejahtera yang berlokasi
di Tanah Abang, Jakarta Pusat pada tanggal 28 Maret 2024.
Providing donations and gift packages, including food and souvenirs, for 35 foster children and beneficiaries of Yayasan Rumah Sejahtera,
located in Tanah Abang, Central Jakarta, on March 28, 2024.
Pemberian donasi kepada pegawai Bank yang terdampak banjir pada bulan Desember 2024.
Donation to Bank employees affected by flooding in December 2024.
2023 Pemberian santunan dan pembagian paket sembako dalam rangka memperingati Bulan Ramadhan 1444 H kepada Yayasan Pondok Pesantren
Assalafiyah Hidayatul Mubarokah di Kecamatan Cibinong, Kabupaten Bogor, Jawa Barat.
Providing compensation and distributing basic food packages in commemoration of Ramadhan 1444 H to Assalafiyah Hidayatul Mubarokah
Islamic Boarding School Foundation in Cibinong Sub-District, Bogor Regency, West Java.
Pemberian bantuan ke karyawan Bank yang terdampak banjir.
Providing assistance to Bank employees affected by flooding.
Pemberian santunan dan kenang-kenangan kepada Panti Asuhan Yayasan Murni Jaya di Kelurahan Semper Barat, Kecamatan Cilincing,
Jakarta Utara.
Providing compensation and mementos to Yayasan Murni Jaya Orphanage in West Semper Village, Cilincing Sub-District, North Jakarta.
Donasi Natal Bank INA 2023.
Bank INA Christmas donation 2023.
PT Bank Ina Perdana Tbk 365
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Tahun Uraian
Year Description
2022 Pemberian bantuan sosial kepada Panti Asuhan Raudhotunnisa dalam bentuk santunan dan sembako untuk anak-anak yatim piatu yang
berlokasi di Cibinong, Bogor.
Providing social assistance to Raudhotunnisa Orphanage in the form of compensation and staple food packages for orphans located in
Cibinong, Bogor.
Pemberian bantuan sosial kepada Panti Asuhan Bhakti Luhur dalam bentuk santunan dan sembako untuk anak-anak yatim piatu yang
berlokasi di Pamulang, Tangerang Selatan.
Providing social assistance to Bhakti Luhur Orphanage in the form of compensation and staple food packages for orphans located in Pamulang,
South Tangerang.
Pemberian bantuan sosial kepada Yayasan Puteri Kasih “Rumah Kerang” dalam bentuk santunan dan sembako untuk anak-anak yatim piatu
yang berlokasi di Cilincing, Jakarta Utara.
Providing social assistance to Puteri Kasih Foundation “Rumah Kerang” in the form of compensation and staple food packages for orphans
located in Cilincing, North Jakarta.
Biaya yang dikeluarkan Bank untuk program pengembangan The costs incurred by the Bank for community development
dan pemberdayaan masyarakat dalam 3 tahun terakhir and empowerment programs over the past 3 years are disclosed as
diungkapkan sebagai berikut. follows.
2024 2023 2022
Rp279.981.500 Rp213.958.850 Rp206.966.905
Capaian Kegiatan [POJK51-F.23] Activity Achievements [POJK51-F.23]
Selama tahun 2024, Bank INA telah berhasil melaksanakan Throughout 2024, Bank INA successfully implemented various social
berbagai inisiatif pengembangan sosial dan kemasyarakatan, yang and community development initiatives, bringing the following
memberikan manfaat bagi Bank dan masyarakat sebagai berikut. benefits to both the Bank and the community.
1. Bagi Bank 1. For the Bank
a. Mendapatkan kepercayaan dari masyarakat; a. Gaining public trust;
b. Memperoleh perspektif positif dari masyarakat; b. Obtaining a positive perspective from the community;
c. Meningkatkan reputasi Bank; serta c. Improving the Bank’s reputation; and
d. Hubungan dengan masyarakat dan pemangku kepentingan d. Closer relationship with the community and other
lainnya menjadi lebih erat. stakeholders.
2. Bagi Masyarakat 2. For the Community
a. Meningkatnya taraf hidup; a. Increased standard of living;
b. Meningkatnya kesejahteraan; b. Increased welfare;
c. Mempunyai keterampilan dalam pengelolaan keuangan; c. Have skills in financial management;
d. Fasilitas umum terjamin pemeliharaannya; serta d. Guaranteed maintenance of public facilities; and
e. Mengurangi tingkat pengangguran melalui kesempatan e. Reduced unemployment rate through employment
kerja yang diutamakan untuk tenaga kerja lokal. opportunities that are prioritized for local workers.
Sarana Pengaduan Masalah Pengembangan Sosial Complaint Channel for Social and Community
dan Kemasyarakatan [POJK51-F.24] Development Problems [POJK51-F.24]
Bank INA membuka saluran pengaduan bagi masyarakat terkait Bank INA provides a complaint channel for the public regarding the
pelaksanaan kegiatan pengembangan sosial dan kemasyarakatan. implementation of social and community development activities.
Keluhan dan masukan dapat disampaikan melalui e-mail, call Complaints and feedback can be submitted via email, call center, or
center, atau langsung di Kantor Cabang Bank INA. Seluruh directly at Bank INA branch offices. All received complaints will be
pengaduan yang diterima akan diproses secara profesional dan handled professionally and transparently to ensure each program
transparan untuk memastikan setiap program berjalan dengan baik runs effectively and meets its intended goals. Over the past 3 years,
dan tepat sasaran. Selama 3 tahun terakhir, Bank tidak menerima the Bank has not received any complaints, reflecting the successful
pengaduan, mencerminkan bahwa program pengembangan sosial implementation of its social and community development
dan kemasyarakatan telah terlaksana secara efektif. programs.
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Kepedulian Terhadap Nasabah serta Concern for Customers and Development of
Pengembangan Produk dan Layanan Products and Services
Komitmen Commitment
Bank INA berkomitmen untuk memberikan layanan atas produk dan Bank INA is committed to providing equal access to its products and
layanan yang setara kepada seluruh nasabah, dengan memastikan services for all customers by ensuring ease of access, security, and
akses yang mudah, aman, dan terpercaya. Kepercayaan dan reliability. Customer trust and satisfaction serve as the foundation of
kepuasan nasabah menjadi fondasi utama operasional Bank, the Bank’s operations, realized through innovative and responsive
yang diwujudkan melalui produk dan layanan inovatif serta products and services tailored to their needs. [POJK51-F.17]
responsif terhadap kebutuhan mereka. [POJK51-F.17]
Pelaksanaan Inisiatif Implementation of the Initiative
Berikut adalah uraian mengenai pelaksanaan inisiatif Bank INA The following outlines Bank INA’s initiatives related to customers
terkait nasabah serta pengembangan produk dan layanan. and the development of products and services:
1. Penyampaian Informasi Produk 1. Delivery of Product Information
Informasi terkait produk dan layanan Bank INA dapat diperoleh Information regarding Bank INA’s products and services is
melalui situs web, media sosial, serta brosur yang tersedia available through the website, social media channels, and
di setiap kantor cabang. brochures provided at each branch office.
2. Peningkatan Kualitas Layanan 2. Service Quality Improvement
Bank berkomitmen untuk meningkatkan kualitas layanan guna The Bank is committed to improving service quality to maintain
menjaga kepercayaan dan kepuasan nasabah. Komitmen ini customer trust and satisfaction. This commitment is reflected
diwujudkan melalui peningkatan dan pengembangan layanan in the continuous enhancement and development of Internet
Internet Banking dan Mobile Banking, yang disesuaikan dengan Banking and Mobile Banking services, aligning with customer
kebutuhan dan perkembangan terkini. needs and the latest technological advancements.
3. Keamanan Simpanan Nasabah 3. Customer Deposit Security
Bank telah menjalin kerja sama dengan Lembaga Penjamin The Bank has partnered with the Indonesia Deposit Insurance
Simpanan (LPS) untuk melindungi simpanan nasabah. Corporation (LPS) to safeguard customer deposits. As an LPS
Sebagai anggota LPS, Bank dapat mengurangi sebagian member, the Bank can mitigate certain risks and provide
risiko dan memberikan jaminan kepada nasabah tentang assurance to customers regarding the protection of their
perlindungan simpanan mereka dalam kondisi yang tidak deposits in situations beyond the Bank’s control.
dapat dikendalikan oleh Bank.
4. Kerahasiaan Data Nasabah 4. Confidentiality of Customer Data
Bank menjalankan aktivitas bisnis yang membutuhkan data The Bank conducts business activities that require complete
dan informasi nasabah secara lengkap dan rinci. Untuk and detailed customer data and information. To uphold
menjaga kepercayaan nasabah terhadap data yang diberikan, customer trust in data security, the Bank adheres to applicable
Bank mematuhi peraturan yang berlaku terkait perlindungan regulations concerning customer data protection, including:
data nasabah, seperti:
a. Undang-Undang No. 7 Tahun 1992 tentang Perbankan, serta a. Law No. 7 of 1992 on Banking, and its amendments in Law
perubahannya dalam Undang-Undang No. 10 Tahun 1998; No. 10 of 1998;
b. Undang-Undang No. 4 Tahun 2023 tentang Pengembangan b. Law No. 4 of 2023 on Development and Strengthening of
dan Penguatan Sektor Keuangan; Financial Sector;
c. Undang-Undang No. 27 tahun 2022 tentang Perlindungan c. Law No. 27 of 2022 on Personal Data Protection;
Data Pribadi;
d. Peraturan Otoritas Jasa Keuangan No. 22 tahun 2023 d. Financial Services Authority Regulation No. 22 of 2023 on
tentang Perlindungan Konsumen dan Masyarakat Consumer and Community Protection in the Financial
di Sektor Jasa Keuangan; Services Sector;
e. Peraturan Bank Indonesia No. 2/19/PBI/2000 tentang e. Bank Indonesia Regulation No. 2/19/PBI/2000 on
Persyaratan dan Tata Cara Pemberian Perintah atau Izin Requirements and Procedures for Granting Written Orders
Tertulis Membuka Rahasia Bank; serta or Permits to Open Bank Secrets; and
f. Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 f. Financial Services Authority Regulation No. 1/POJK.07/2013
tentang Perlindungan Konsumen Sektor Jasa, serta on Consumer Protection in the Service Sector, and its
peraturan turunannya. derivative regulations.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Sesuai dengan peraturan tersebut, Bank diwajibkan untuk In accordance with these regulations, the Bank is required to
menjaga kerahasiaan informasi nasabah, dengan batasan dan maintain the confidentiality of customer information, with
pengecualian sebagai berikut. the following limitations and exceptions.
a. Untuk kepentingan perpajakan, Pimpinan Bank a. For tax purposes, the Management of Bank Indonesia at the
Indonesia atas permintaan Menteri Keuangan berwenang request of the Minister of Finance has the authority to issue
mengeluarkan perintah tertulis kepada Bank agar written orders to Banks to provide information and show
memberikan keterangan dan memperlihatkan bukti-bukti written evidence and documents concerning the financial
tertulis serta surat-surat mengenai keadaan keuangan condition of certain depositors to tax officials (Article 41
nasabah penyimpan tertentu kepada pejabat pajak paragraph 1 of Banking Law).
(Undang-Undang Perbankan Pasal 41 ayat 1).
b. Untuk penyelesaian piutang Bank yang sudah diserahkan b. For settlement of Bank receivables that have been
kepada Badan Urusan Piutang dan Lelang Negara/ submitted to the State Receivables and Auctions Agency/
Panitia Urusan Piutang Negara, Pimpinan Bank Indonesia Committee for State Receivables Affairs, the Management
memberikan izin kepada pejabat Badan Urusan Piutang of Bank Indonesia gives permission to officials of the
dan Lelang Negara/Panitia Urusan Piutang Negara untuk State Receivables and Auctions Agency/Committee for
memperoleh keterangan mengenai simpanan nasabah State Receivables Affairs to obtain information regarding
debitur (Undang-Undang Perbankan Pasal 41A ayat 1). debtors’ deposits (Article 41A paragraph 1 of Banking Law).
c. Untuk kepentingan peradilan dalam perkara pidana, c. For the purposes of criminal cases, the Management
Pimpinan Bank Indonesia dapat memberikan izin kepada of Bank Indonesia may grant permission to the Police,
Polisi, Jaksa, atau Hakim untuk memperoleh keterangan Prosecutors, or Judges to obtain information from the
dari Bank mengenai simpanan tersangka atau terdakwa Bank regarding the deposits of a suspect or defendant at
pada Bank (Undang-Undang Perbankan Pasal 42A ayat 1). the Bank (Article 42A paragraph 1 of Banking Law).
d. Dalam perkara perdata antara Bank dengan nasabahnya, d. In civil cases between the Bank and its customer, the Board
Direksi Bank yang bersangkutan dapat menginformasikan of Directors of the relevant Bank can inform the court about
kepada pengadilan tentang keadaan keuangan nasabah the financial condition of the relevant customer and
yang bersangkutan dan memberikan keterangan lain provide other information relevant to the case (Article 43 of
yang relevan dengan perkara tersebut (Undang-Undang Banking Law).
Perbankan Pasal 43).
e. Dalam rangka tukar-menukar informasi antar Bank, e. In the framework of exchanging information between
Direksi Bank dapat memberitahukan keadaan keuangan Banks, the Bank’s Board of Directors may notify the
nasabahnya kepada bank lain (Undang-Undang Perbankan financial condition of their customers to other banks
Pasal 44). (Article 44 of Banking Law).
f. Atas permintaan, persetujuan, atau kuasa dari nasabah f. Upon a request, agreement, or authorization from
penyimpan yang dibuat secara tertulis, Bank wajib the depositor made in writing, the Bank must provide
memberikan keterangan mengenai simpanan nasabah information about the depositor’s savings to the party
penyimpan pada pihak yang ditunjuk oleh nasabah penyimpan designated by the depositor (Article 44A paragraph 1 of
tersebut (Undang-Undang Perbankan Pasal 44A ayat 1). Banking Law).
g. Dalam hal nasabah penyimpan telah meninggal dunia, g. In the event that a depositing customer has passed
ahli waris yang sah dari nasabah penyimpan yang away, the legal heirs of the relevant depositor are
bersangkutan berhak memperoleh keterangan mengenai entitled to obtain information regarding the deposits
simpanan nasabah penyimpan tersebut (Undang-Undang of said depositing customer (Article 44A paragraph 2 of
Perbankan Pasal 44A ayat 2). Banking Law).
5. Program Engagement Nasabah 5. Customer Engagement Program
Bank INA menjalankan program engagement untuk Bank INA implements an engagement program to strengthen
memperkuat hubungan dan meningkatkan loyalitas nasabah. relationships and enhance customer loyalty. This program
Program ini mencakup berbagai inisiatif berikut. includes the following initiatives.
a. Program Engagement INA Mobile a. INA Mobile Engagement Program
1) Gratis 20 kali biaya transaksi untuk tarik tunai 1) Free 20 transaction fees for cash withdrawals using
menggunakan kartu ATM Bank INA di ATM bank lain, a Bank INA ATM card at other banks’ ATMs, as well as
serta transaksi pembayaran dan pembelian melalui payment and purchase transactions through Bank
Internet Banking dan Mobile Banking Bank INA; INA’s Internet Banking and Mobile Banking;
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2) Gratis biaya transfer online melalui Internet Banking 2) Free online transfer fees via Bank INA’s Internet
Business Bank INA; Banking Business;
3) Cashback 50% (maksimal Rp5.000,-) untuk transaksi 3) 50% cashback (up to Rp5,000) for QRIS transactions
QRIS melalui Mobile Banking Bank INA. Maksimum made through Bank INA’s Mobile Banking. A maximum
cashback diberikan sebanyak 3 kali transaksi per of 3 cashback transactions per customer is granted
nasabah setiap bulan; each month;
4) Gratis biaya transfer BI-FAST melalui Internet Banking 4) Free BI-FAST transfer fees through Internet Banking,
dan Mobile Banking, serta kantor cabang Bank INA; Mobile Banking, and Bank INA branch offices;
5) Loyalti Program untuk nasabah prime dengan 5) Loyalty Program for prime customers, offering special
pemberian bingkisan HUT/Hari Raya; gifts for birthdays and religious holidays;
6) Program tabungan berjangka dengan jenis hadiah 6) Term savings program featuring gadget and cashback
gadget dan cashback, di mana nasabah melakukan rewards, where customers deposit an initial amount
penyetoran dana pada awal pembukaan rekening upon account opening and continue monthly deposits
dan sejumlah dana tertentu setiap bulannya sampai for the selected period;
dengan berakhirnya periode waktu yang telah dipilih;
7) Program Deposito Cash Reward memberikan bunga 7) Deposito Cash Reward Program, offering competitive
menarik dan tambahan cashback dengan nominal interest rates and additional cashback based on
dan jangka waktu penempatan dana sesuai tabel yang the deposit amount and tenure, as per the Bank’s
ditentukan Bank. specified table;
8) Program Giro dan Tabina Bisnis dengan gratis biaya 8) Giro Program and Tabina Bisnis accounts, providing
admin serta bebas biaya buku cek/BG, transaksi RTGS, free administrative fees and waived fees for checkbook
LLG, dan setoran kliring untuk Giro dengan jumlah issuance, RTGS, LLG transactions, and clearing deposits,
sesuai ketentuan Bank; serta subject to the Bank’s terms and conditions; and
9) Peluncuran Poin Bina (powered by OttoPoint) sebagai 9) Launch of Poin Bina (powered by OttoPoint) as a
loyalti program bagi para nasabah dengan pemberian loyalty program for customers, offering rewards for
reward atas transaksi pembelian maupun pembayaran purchase and payment transactions made via Bank
yang dilakukan melalui Mobile Banking Bank INA dan INA’s Mobile Banking and Bank INA GPN Debit ATM
transaksi Kartu ATM Debit GPN Bank INA di Mesin Card transactions at EDC machines. These points can
EDC. Poin ini dapat ditukarkan dengan kupon/voucher be redeemed for product/service vouchers through
barang/jasa melalui e-catalogue OttoPoint. the OttoPoint e-catalog.
b. Program Engagement Binadigital b. Binadigital Engagement Program
1) Program menabung di Rekening Digital pada aplikasi 1) Digital Account Savings Program – Customers who save
Binadigital dengan minimal penempatan dana a minimum of Rp100,000 in a Digital Account through
sebesar Rp100.000,- dan saldo ditahan selama 30 hari the Binadigital app and maintain the balance for
kalender, maka nasabah akan mendapatkan cashback 30 calendar days will receive an additional cashback
tambahan bunga sebesar 4,5% per tahun; interest of 4.5% per year;
2) Program tabungan deposito Binadigital dengan 2) Binadigital Deposit Savings Program – Customers who
berhadiah cashback, yaitu nasabah melakukan open a time deposit account within a specified period
pembukaan rekening deposito di periode tertentu and meet the required deposit amount and tenure will
dengan waktu dan dana deposito yang telah receive cashback rewards according to the applicable
ditentukan maka akan mendapatkan cashback yang program;
sesuai dengan program yang telah dibuat;
3) Gratis biaya administrasi setor dan tarik tunai 3) Free deposit and withdrawal fees at Indomaret via the
di Indomaret melalui menu Setor/Tarik pada Binadigital; Deposit/Withdraw menu on Binadigital;
4) Cashback 25% dengan maksimal Rp5.000,- untuk transaksi 4) 25% cashback with a maximum of Rp5,000 on purchases
belanja minimal Rp20.000,- menggunakan QRIS di aplikasi of at least Rp20,000 using QRIS in the Binadigital app,
Binadigital. Maksimum cashback 4 kali per bulan; with a maximum of 4 cashback transactions per month;
5) Cashback Rp5.000,- untuk transaksi belanja minimal 5) Rp5,000 cashback on purchases of at least Rp30,000
Rp30.000,- menggunakan QRIS di aplikasi Binadigital. using QRIS in the Binadigital app, with a maximum of 4
Maksimum cashback 4 kali per bulan; cashback transactions per month;
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
6) Cashback Rp5.000,- untuk transaksi belanja minimal 6) Rp5,000 cashback on purchases of at least Rp50,000
Rp50.000,- menggunakan QRIS di aplikasi Binadigital. using QRIS in the Binadigital app, with a maximum of
Maksimum cashback 1 kali per minggu atau 4 kali 1 cashback transaction per week or 4 times per month;
per bulan;
7) Gratis biaya admin transaksi token PLN melalui aplikasi 7) Free administrative fees for PLN token transactions
Binadigital; via the Binadigital app;
8) Gratis biaya admin transaksi setor dan tarik tunai 8) Free administrative fees for deposit and withdrawal
menggunakan kartu ATM/Debit Binadigital di mesin transactions using a Binadigital ATM/Debit card at any
ATM mana pun yang terdaftar di jaringan ATM Bersama ATM within the ATM Bersama and Prima networks; and
dan Prima; serta
9) Gratis biaya admin transaksi transfer/kirim uang 9) Free administrative fees for fund transfers using
menggunakan layanan BI-FAST. BI-FAST services.
6. Pengembangan Produk dan Layanan [POJK51-F.26] 6. Product and Service Development [POJK51-F.26]
Bank INA secara konsisten melakukan pengembangan produk Bank INA consistently develops its products and services to
dan layanan untuk menyesuaikan dengan perkembangan align with business growth and customer needs. In 2024,
bisnis serta kebutuhan nasabah. Pada tahun 2024, inovasi dan innovations and product developments have included:
pengembangan produk yang telah dilakukan mencakup:
a. Penguatan layanan perbankan dan investasi a. Enhancement of banking and investment services
1) Penyediaan Rekening Dana Nasabah (RDN) untuk 1) Provision of Customer Fund Accounts (RDN) for capital
transaksi pasar modal; market transactions;
2) Penunjukan sebagai Bank Pembayaran oleh KSEI 2) Appointment as a Payment Bank by KSEI for securities
untuk penyimpanan dana transaksi efek; transaction fund custody;
3) Penyediaan Segragate Account untuk perusahaan 3) Provision of Segragate Account for futures brokerage
pialang berjangka; serta firms; and
4) Perluasan layanan sebagai Agen Penjual Efek Reksa 4) Expansion of services as a Mutual Fund Selling Agent.
Dana.
b. Digitalisasi layanan perbankan b. Digitalization of banking services
1) Peluncuran API Bina, memungkinkan integrasi layanan 1) Launch of API Bina, enabling the integration of banking
perbankan dengan pihak eksternal melalui standar services with external parties through the Open API
Open API Pembayaran (SNAP); serta Payment Standard (SNAP); and
2) Penyediaan Pinjaman Kasbon Bina, fasilitas pinjaman 2) Introduction of Pinjaman Kasbon Bina, a digital loan
digital bagi karyawan mitra Bank melalui platform gaji. facility for partner company employees via payroll
platforms.
c. Peningkatan layanan nasabah dan keamanan finansial c. Enhancement of customer service and financial security
1) Penyediaan Safe Deposit Box (SDB) sebagai fasilitas 1) Provision of Safe Deposit Box (SDB) as secure storage
penyimpanan aman bagi nasabah; facility for customers;
2) Inovasi layanan transaksi digital, termasuk gratis biaya 2) Innovation of digital transaction services, including
transaksi ATM, IBMB, IBB, cashback transaksi QRIS, free transaction fees for ATM, IBMB, IBB, QRIS
serta gratis biaya BI-Fast; serta transaction cashback, and free BI-fast fee; and
3) Pengembangan fitur pembelian atau pembayaran 3) Development of QR-code method for purchase or
dengan metode QR Code dalam mode Customer payment feature in Customer Presented Mode (CPM)
Presented Mode (CPM)s dan QRIS Cross Border and QRIS Cross Border (Singapura, Malaysia, and
(Singapura, Malaysia, dan Thailand). Thailand).
7. Evaluasi Produk dan Layanan [POJK51-F.27] [POJK51-F.29] 7. Product and Service Evaluation [POJK51-F.27] [POJK51-F.29]
Bank INA melakukan evaluasi menyeluruh terhadap setiap Bank INA conducts a comprehensive evaluation of each
produk dan layanan sebelum diperkenalkan kepada nasabah. product and service before introducing them to customers.
Seluruh produk dan layanan yang ditawarkan telah mendapatkan All offered products and services have received approval
persetujuan dari Bank Indonesia serta melalui proses tinjauan from Bank Indonesia and have undergone a review and risk
dan mitigasi risiko untuk memastikan keamanan dan kepatuhan. mitigation process to ensure security and compliance. This
Evaluasi ini juga memastikan bahwa setiap peluncuran produk evaluation also ensures that each product launch aligns with
sesuai dengan pengajuan yang telah disetujui oleh manajemen. the approved submission by management.
370 PT Bank Ina Perdana Tbk
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2024 Annual Report
Pada tahun 2024, Bank telah melakukan evaluasi terhadap 100% In 2024, the Bank conducted evaluations on 100% of
produk dan layanan yang ditawarkan. Berdasarkan hasil tinjauan its products and services. Based on periodic reviews, as of
berkala, hingga akhir tahun 2024, Bank memastikan bahwa the end of 2024, the Bank confirms that no financial products
tidak ada produk dan/atau jasa keuangan yang dinyatakan and/or services have been deemed problematic or required to
bermasalah atau perlu ditarik kembali oleh Bank Indonesia. be withdrawn by Bank Indonesia.
8. Manfaat dari Produk dan Layanan yang Diberikan [POJK51-F.28] 8. Benefits of Products and Services Provided [POJK51-F.28]
Bank INA menyediakan produk dan layanan keuangan untuk Bank INA provides financial products and services to meet
memenuhi kebutuhan transaksi dan pembiayaan nasabah the transactional and financing needs of both individual
individu maupun korporasi. Namun, dalam implementasinya, and corporate customers. However, in practice, the business
aktivitas bisnis debitur yang dibiayai Bank dapat berpotensi activities of borrowers financed by the Bank may pose potential
menimbulkan risiko sosial dan lingkungan. Risiko sosial social and environmental risks. Social risks include the use
mencakup penggunaan tenaga kerja di bawah umur, upah di of underage labor, substandard wages, and human rights
bawah standar, dan pelanggaran hak asasi manusia, sementara violations, while environmental risks arise from the excessive
risiko lingkungan berkaitan dengan eksploitasi sumber daya exploitation of natural resources and pollution caused by
alam yang berlebihan serta pencemaran akibat limbah industri. industrial waste.
Untuk mengelola risiko yang dapat timbul akibat aktivitas To manage risks arising from borrowers’ activities, the
debitur, Bank menerapkan persyaratan kredit yang ketat, Bank enforces strict lending requirements, conducts field
melakukan pengawasan lapangan, serta mewajibkan dokumen supervision, and requires an Environmental Impact Analysis
Analisis Mengenai Dampak Lingkungan (AMDAL) sebagai bagian (AMDAL) document as part of the credit approval process.
dari proses persetujuan kredit. Selain itu, Bank mensyaratkan Additionally, the Bank mandates borrower compliance
kepatuhan debitur terhadap regulasi ketenagakerjaan guna with labor regulations to ensure there are no instances of
memastikan tidak ada praktik kerja paksa, diskriminasi, forced labor, discrimination, or worker rights violations.
atau pelanggaran hak pekerja. Dengan kebijakan ini, Bank Through these policies, the Bank ensures that its products and
memastikan bahwa produk dan layanan yang diberikan tidak services not only provide economic benefits but also promote
hanya memberikan manfaat ekonomi tetapi juga mendukung socially and environmentally responsible business practices.
praktik bisnis yang bertanggung jawab secara sosial dan
lingkungan.
Capaian Kegiatan Activity Achievements
Selama tahun 2024, pelaksanaan inisiatif terkait nasabah di Bank Throughout 2024, the implementation of customer-related
INA telah memberikan hasil yang positif, baik bagi Bank maupun initiatives at Bank INA has yielded positive outcomes for both the
pemangku kepentingan, sebagai berikut. Bank and its stakeholders, as follows.
1. Bagi Bank 1. For the Bank
Efektivitas penanganan pengaduan nasabah memberikan The effectiveness of handling customer complaints has an
dampak pada tingkat kepercayaan nasabah terhadap Bank. Hal impact on the level of customer trust in the Bank. This can be
ini terlihat pada meningkatnya jumlah nasabah, baik nasabah seen in the increasing number of customers, both financing and
pembiayaan maupun pendanaan. funding customers.
2. Bagi Pemangku Kepentingan, termasuk Pemegang Saham 2. For Stakeholders, including Shareholders
Meningkatnya kepuasan dan kenyamanan bertransaksi Increased satisfaction and convenience of transactions at
di Bank INA. Hal tersebut dibuktikan dengan tingkat kepuasan Bank INA. This is evidenced by the increased level of customer
nasabah yang meningkat. satisfaction.
Sarana Pengaduan Masalah Nasabah Complaint Channel for Customer Problem
Bank INA menyediakan berbagai saluran pengaduan bagi nasabah Bank INA provides multiple complaint channels for customers
untuk menyampaikan keluhan dan masukan terkait layanan to submit feedback and concerns regarding banking services.
perbankan. Pengaduan dapat disampaikan melalui e-mail, Complaints can be submitted via email, call center, the official
call center, situs web resmi, serta media sosial Bank INA. website, and Bank INA’s social media platforms. Each report
Setiap laporan yang diterima akan diproses secara profesional is handled professionally and transparently to ensure fair and
dan transparan guna memastikan penyelesaian yang tepat dan appropriate resolution.
berkeadilan.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Laporan Pengaduan Complaint Report
Rekapitulasi pengaduan nasabah yang diterima dan ditindaklanjuti The summary of customer complaints received and addressed
oleh Bank selama tahun 2024 diuraikan sebagai berikut. by the Bank throughout 2024 is outlined as follows.
Selesai Dalam Proses Tidak Selesai Jumlah
Jenis Transaksi Keuangan
Completed On Process Not Completed Pengaduan
Types of Financial
Jumlah Jumlah Jumlah Number of
Transactions % % %
Total Total Total Complaints
Kartu ATM/Debit/Mesin ATM 256 96,60 9 3,40 - - 265
ATM/Debit Card/ATM Machine
Electronic Banking 739 96,22 29 3,78 - - 768
Sistem Pembayaran Lainnya 500 93,11 37 6,89 - - 537
Other Payment Systems
Deposito 1 100,00 - - - - 1
Deposit
Tabungan 5 100,00 - - - - 5
Savings
Total 1.501 95,24 75 4,76 - - 1.576
Survei Kepuasan Nasabah [POJK51-F.30] Customer Satisfaction Survey [POJK51-F.30]
Bank melakukan survei kepuasan nasabah untuk menilai dan The Bank conducts customer satisfaction surveys to assess and
memahami loyalitas serta dukungan nasabah terhadap produk understand customer loyalty and support for its products and
dan layanan yang disediakan. Data yang diperoleh dari kuesioner services. The data collected from these questionnaires serve as a
ini akan digunakan sebagai acuan untuk mengembangkan dan reference for developing and enhancing the quality of the Bank’s
meningkatkan kualitas produk dan layanan Bank di periode products and services in the following period.
berikutnya.
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Laporan Tahunan 2024
2024 Annual Report
Kepedulian Terhadap Lingkungan Hidup
Concern for the Environment
Komitmen Commitment
Meskipun proses bisnis Bank INA tidak berdampak signifikan Although Bank INA’s business operations do not have a significant
terhadap lingkungan hidup, Bank tetap berkomitmen untuk impact on the environment, the Bank remains committed to
berkontribusi dalam pelestarian lingkungan. Komitmen ini contributing to environmental preservation. This commitment
diwujudkan melalui berbagai inisiatif keberlanjutan yang is realized through various sustainability initiatives that are
diterapkan secara konsisten guna menciptakan dampak positif bagi consistently implemented to create a positive impact on the
lingkungan dan generasi mendatang. environment and future generations.
Pelaksanaan Inisiatif Implementation of the Initiative
Berikut adalah uraian mengenai pelaksanaan inisiatif Bank INA The following outlines the implementation of Bank INA’s
terkait lingkungan hidup. environmental initiatives.
1. Produk Kegiatan Usaha Berkelanjutan [POJK51-F.3] 1. Sustainable Business Activity Products [POJK51-F.3]
Bank INA mendukung pembiayaan bagi debitur yang Bank INA supports financing for borrowers who implement
menerapkan prinsip keberlanjutan dalam kegiatan usahanya. sustainability principles in their business activities. As part of
Sebagai bagian dari kebijakan ini, debitur dan calon debitur this policy, borrowers and prospective borrowers are required
diwajibkan untuk memiliki serta melaporkan salinan dokumen to possess and submit a copy of the Environmental Impact
Analisis Mengenai Dampak Lingkungan (AMDAL) sebagai syarat Analysis (AMDAL) document as a condition for credit approval.
persetujuan kredit. Langkah ini memastikan bahwa proyek This measure ensures that funded projects not only generate
yang didanai tidak hanya memberikan manfaat ekonomi, economic benefits but are also environmentally friendly and
tetapi juga ramah lingkungan dan berkontribusi terhadap contribute to sustainability.
keberlanjutan.
Dalam tiga tahun terakhir, Bank INA telah menyalurkan Over the past three years, Bank INA has provided financing
pembiayaan kepada debitur yang mengimplementasikan to borrowers who implement sustainable business practices,
praktik usaha berkelanjutan, sebagaimana diuraikan berikut. as detailed below.
Produk Kegiatan Usaha Berkelanjutan
Sustainable Business Activity Products
2024 2023 2022
Produk yang Memenuhi
Kriteria Kegiatan Usaha Nominal Nominal Nominal
Target
Berkelanjutan (jutaan (jutaan (jutaan
(jutaan
Rupiah) Rupiah) Rupiah)
Products that Meet the Rupiah) Account Account Account
Criteria for Sustainable Nominal Nominal Nominal
(million
Business Activities (million (million (million
Rupiah)
Rupiah) Rupiah) Rupiah)
Penghimpunan Dana
8.956 1.861 3.259 2.447 6.059 3.063 6.148
Funding
Penyaluran Dana
3.964.706 8.106 4.473.304 7.435 12.677.186 6.509 3.427.435
Lending
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Social and Environmental Sustainability
Aset Produktif Kegiatan Usaha Berkelanjutan
Earning Assets of Sustainable Business Activities
2024 2023 2022
Total Aset Produktif
Kriteria Kegiatan Usaha Nominal
Target Target Target
Berkelanjutan (jutaan
(jutaan (jutaan (jutaan
Rupiah)
Total Earning Assets, Rupiah) % Rupiah) % Rupiah) %
Criteria for Sustainable Nominal
(million (million (million
Business Activities (million
Rupiah) Rupiah) Rupiah)
Rupiah)
Total Kredit/Pembiayaan
Kegiatan Usaha Berkelanjutan
3.629.426 2.768.277 76,27 5.293.294 80,64 3.401.435 34,89
Total Credit/Financing for
Sustainable Business Activities
Total Non-Kredit/Pembiayaan
Kegiatan Usaha Berkelanjutan
335.280 189.700 56,58 6.450.663 130,36 6.347.810 65,11
Total Non-Credit/Financing for
Sustainable Business Activities
Total Kredit
13.329.914 13,150,442 98,65 11.743.957 107,95 9.749.245 100,00
Total Credit
Aset Produktif Berdasarkan Kategori Kegiatan Usaha Berkelanjutan
Earning Assets by Category of Sustainable Business Activities
2024 2023 2022
Kategori Kegiatan Usaha Nominal Nominal Nominal
NPL/Total NPL/Total NPL/Total
Berkelanjutan (jutaan (jutaan (jutaan
Kredit Kredit Kredit
Rupiah) Rupiah) Rupiah)
Sustainable Business NPL/Total NPL/Total NPL/Total
Activities Category Nominal Nominal Nominal
Credit Credit Credit
(million (million (million
(%) (%) (%)
Rupiah) Rupiah) Rupiah)
Energi Terbarukan
- - - - - -
Renewable Energy
Efisiensi Energi
- - 161.535 0,00 - -
Energy Efficiency
Pencegahan dan Pengendalian
Polusi 9.995 0,00 35.445 0,00 - -
Pollution Prevention and Control
Pengelolaan Sumber Daya Alam
Hayati dan Penggunaan Lahan
Berkelanjutan
449.250 0,00 566.538 0,00 213.245 0,00
Management of Biological
Natural Resources and
Sustainable Land Use
Konservasi Keanekaragaman
Hayati Darat dan Air
10.012 0,00 31.691 0,00 33.481 0,00
Conservation of Land and Water
Biodiversity
Transportasi Ramah Lingkungan
Environmentally Friendly - - 15.258 0,00 - -
Transportation
Pengelolaan Air dan Limbah Air
yang Berkelanjutan
- - 79.767 0,00 - -
Sustainable Management of
Water and Wastewater
Adaptasi Perubahan Iklim
- - - - - -
Climate Change Adaptation
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2024 2023 2022
Kategori Kegiatan Usaha Nominal Nominal Nominal
NPL/Total NPL/Total NPL/Total
Berkelanjutan (jutaan (jutaan (jutaan
Kredit Kredit Kredit
Rupiah) Rupiah) Rupiah)
Sustainable Business NPL/Total NPL/Total NPL/Total
Activities Category Nominal Nominal Nominal
Credit Credit Credit
(million (million (million
(%) (%) (%)
Rupiah) Rupiah) Rupiah)
Produk yang dapat
Mengurangi Sumber Daya
dan Menghasilkan Lebih
Sedikit Polusi (Eco-efficient) 102.710 0,00 461.146 0,00 196.134 0,09
Products that Reduce Resources
and Generate Less Pollution
(Eco-efficient)
Bangunan Berwawasan
Lingkungan yang Memenuhi
Standar atau Sertifikasi
yang Diakui secara Nasional,
Regional, atau Internasional
337.902 0,00 645.424 0,00 758.358 0,00
Environmentally Friendly
Buildings that Meet Standards
or Certifications that are
Nationally, Regionally, or
Internationally Recognized
Kegiatan Usaha dan/atau
Kegiatan Lain yang Berwawasan
Lingkungan Lainnya
- - - - 151.268 0,00
Other Environmentally
Friendly Business Activities
and/or Activities
Kegiatan UMKM
1.858.409 112.130 2.271.539 0,00 2.048.949 0,30
MSME Activities
Total Kredit Keuangan
Berkelanjutan
2.768.276 112.130 4.268.348 0,00 3.401.435 0,39
Total Sustainable
Finance Credit
2. Material Ramah Lingkungan [POJK51-F.5] 2. Environmentally Friendly Materials [POJK51-F.5]
Bank INA menerapkan inisiatif ramah lingkungan guna Bank INA implements eco-friendly initiatives to support
mendukung terciptanya lingkungan hidup yang asri dan bersih the creation of a greener and cleaner environment for future
bagi generasi mendatang. Salah satu langkah yang diambil generations. One of the steps taken is the use of Programme
adalah menggunakan kertas hout vrij schrift (HVS) bersertifikasi for the Endorsement of Forest Certification (PEFC)-certified
Programme for the Endorsement of Forest Certification (PEFC) hout vrij schrift (HVS) paper for document printing, ensuring
untuk pencetakan dokumen, memastikan bahwa material that materials come from responsibly managed forests.
berasal dari hutan yang dikelola secara bertanggung jawab. Additionally, the Bank is committed to reducing plastic
Selain itu, Bank berkomitmen mengurangi penggunaan plastik, use, minimizing styrofoam consumption, and selecting
meminimalkan styrofoam, dan memilih perangkat elektronik energy-efficient electronic devices.
hemat energi.
3. Penggunaan Energi POJK51-F.6] [POJK51-F.7] [ESG-E.03] 3. Energy Use POJK51-F.6] [POJK51-F.7] [ESG-E.03]
Bank INA memanfaatkan energi listrik dan bahan bakar minyak Bank INA relies on electricity and fuel to support its operational
(BBM) untuk mendukung aktivitas operasional. Listrik dipasok activities. Electricity is supplied by Perusahaan Listrik Negara
oleh Perusahaan Listrik Negara (PT PLN) dan BBM diperoleh (PT PLN), while fuel is sourced from the nearest Public Fuel
dari Stasiun Pengisian Bahan Bakar Umum (SPBU) terdekat. Station (SPBU). Electricity is used to operate electronic devices,
Energi listrik digunakan untuk mengoperasikan perangkat air conditioning (AC), lighting, and elevators, whereas fuel is
elektronik, pendingin ruangan (AC), penerangan, dan lift, used for operational vehicles and generator sets. As of now,
sementara BBM dimanfaatkan untuk kendaraan operasional the Bank has not yet utilized renewable energy sources.
dan mesin genset. Hingga saat ini, Bank belum menggunakan
energi terbarukan.
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Social and Environmental Sustainability
Rincian penggunaan energi selama 3 tahun terakhir disajikan Details of energy consumption over the past 3 years are
sebagai berikut. presented below.
Satuan
Uraian 2024 2023*) 2022*) Descriptions
Unit
CAKUPAN 1
SCOPE 1
jutaan Rupiah
Biaya Penggunaan BBM 2.455 2.165 1.672 Fuel Usage Cost
million Rupiah
Liter 245.500 216.500 167.200
Penggunaan BBM Fuel Usage
GJ 8.396,10 7.404,30 5.718,24
CAKUPAN 2
SCOPE 2
jutaan Rupiah
Biaya Penggunaan Listrik 2.945 2.047 1.879 Electricity Usage Cost
million Rupiah
kWh 2.038.485 1.416.903 1.300.616
Penggunaan Listrik Electricity Usage
GJ 7.338,55 5.100,85 4.682,22
Total Penggunaan Energi GJ 15.734,65 12.505,15 10.400,46 Total Energy Usage
Intensitas Penggunaan Energi GJ/jutaan Rupiah Intensity of Energy Use
0,00833 0,00724 0,00887
Terhadap Pendapatan Bunga GJ/million Rupiah Against Interest Income
Efisiensi Penggunaan Energi GJ/jutaan Rupiah Energy Use Efficiency
(0,00109) 0,00163 N/A**)
Terhadap Pendapatan Bunga GJ/million Rupiah Against Interest Income
*) Perhitungan kembali / Recalculation
**) Belum dilakukan perhitungan energi untuk tahun 2021 / No energy usage calculation conducted in 2021
Sebagai bagian dari efisiensi energi, Bank INA menerapkan As part of its energy efficiency efforts, Bank INA has
inisiatif penghematan energi dengan menggunakan lampu implemented energy-saving initiatives by using LED lighting,
LED, memasang AC inverter di seluruh kantor, serta mengatur installing inverter air conditioners in all offices, and regulating
penggunaan perangkat elektronik di setiap ruangan. Bank juga the use of electronic devices in each room. The Bank has
menetapkan jadwal operasional gedung untuk mengurangi also set building operational schedules to reduce electricity
konsumsi listrik dan memaksimalkan pertemuan secara online. consumption and maximize online meetings.
4. Efisiensi Air [POJK51-F.8] [ESG-E.04] 4. Water Efficiency [POJK51-F.8] [ESG-E.04]
Bank INA memanfaatkan air dari Perusahaan Daerah Air Minum Bank INA utilizes water from the Regional Drinking Water
(PDAM) untuk keperluan kebersihan, ibadah, dan operasional Company (PDAM) for sanitation, religious activities, and other
lainnya. Dalam 3 tahun terakhir, Bank INA telah mencatat operational needs. In the last 3 years, Bank INA has recorded
dan menghitung biaya penggunaan air minum untuk seluruh and calculated the cost of water usage for all operational
kantor operasional, dengan rincian sebagai berikut. offices, with the following details.
Satuan
Uraian 2024 2023 2022 Descriptions
Unit
jutaan Rupiah
Biaya Penggunaan Air Minum 137 131 90 Drinking Water Usage Fees
million Rupiah
Selain itu, Bank INA mendata dan menghitung volume serta Additionally, Bank INA has recorded and calculated the volume
biaya konsumsi air bersih di Kantor Pusat Ariobimo selama and cost of water consumption at the Ariobimo Head Office
periode yang sama. Informasi lengkap disajikan pada tabel during the same period. Complete information is presented in
berikut. the following table.
Satuan
Uraian 2024 2023*) 2022*) Descriptions
Unit
jutaan Rupiah
Biaya Penggunaan Air Bersih 72 57 42 Clean Water Usage Fees
million Rupiah
Volume Penggunaan Air Bersih m3 5.767 4.564 3.377 Clean Water Usage Volume
376 PT Bank Ina Perdana Tbk
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Laporan Tahunan 2024
2024 Annual Report
Satuan
Uraian 2024 2023*) 2022*) Descriptions
Unit
Intensitas Penggunaan Air m3/jutaan Rupiah Intensity of Water Usage
0,00305 0,00264 0,00288
Terhadap Pendapatan Bunga m3/million Rupiah Against Interest Income
Efisiensi Penggunaan Air m3/jutaan Rupiah Water Usage Efficiency
(0,00041) (0,00024) N/A**)
Terhadap Pendapatan Bunga m3/million Rupiah Against Interest Income
*) Perhitungan kembali / Recalculation
**) Belum dilakukan perhitungan air untuk tahun 2021 / No water usage calculation conducted in 2021
Di samping itu, Bank INA berkontribusi dalam efisiensi Additionally, Bank INA contributes to water efficiency by
penggunaan air dengan meningkatkan kesadaran karyawan raising employee awareness of responsible water usage.
untuk menggunakannya secara bijak. Upaya ini dilakukan This effort includes awareness campaigns and routine
melalui sosialisasi dan pemeriksaan rutin pada kran dan inspections of faucets and water pipelines to prevent leaks.
saluran air untuk mencegah kebocoran.
5. Pengelolaan Limbah [POJK51-F.13] [POJK51-F.14] [ESG-E.05] 5. Waste Management [POJK51-F.13] [POJK51-F.14] [ESG-E.05]
Bank INA menghasilkan limbah domestik, terutama limbah Bank INA generates domestic waste, primarily paper
kertas, tanpa memproduksi limbah bahan berbahaya dan waste, without producing hazardous and toxic waste (B3).
beracun (B3). Pengelolaan limbah diserahkan kepada pengelola Waste management is handled by a certified and responsible
gedung yang tersertifikasi dan bertanggung jawab. building management provider.
Upaya mengurangi limbah kertas dilakukan melalui penerapan Efforts to reduce paper waste are carried out through the
sistem digitalisasi terintegrasi, mencakup penggunaan implementation of an integrated digitalization system, including
dokumen digital serta peningkatan layanan internet dan the use of digital documents and the enhancement of internet
mobile banking. Inisiatif ini meliputi transaksi mutasi rekening, and mobile banking services. This initiative covers account
cetak bukti ATM, dan formulir pembukaan rekening baru yang transaction history, ATM receipt printing, and new account
dapat diakses melalui smartphone, laptop, atau personal opening forms, which can be accessed via smartphones,
computer (PC). Melalui langkah ini, Bank tidak hanya berupaya laptops, or personal computers (PCs). Through these measures,
mengurangi dampak lingkungan, tetapi juga meningkatkan the Bank aims not only to minimize environmental impact but
efisiensi layanan bagi nasabah. also to enhance service efficiency for customers.
Rincian penggunaan kertas selama 3 tahun terakhir disajikan The details of paper usage over the past 3 years are presented
sebagai berikut. as follows.
Penggunaan Kertas
Use of Paper (Rim / Ream)
2024 2023 2022
1.534 2.138 1.392
3,84 5,35 3,48
ton / tons ton / tons ton / tons
Catatan / Note: 1 Rim / Ream = 2,5 kg.
Sebagai bentuk komitmen dalam mengurangi sampah plastik, As part of its commitment to reducing plastic waste, Bank
Bank INA menerbitkan Memorandum No. MEMO/SDM/685/0919 INA issued Memorandum No. MEMO/SDM/685/0919 on
pada 30 September 2019 mengenai Kebijakan Pengurangan September 30, 2019, regarding the Policy on Plastic Waste
Sampah Plastik dan Inisiatif Pelestarian Lingkungan Hidup. Reduction and Environmental Conservation Initiatives.
Bank mendorong karyawan menggunakan botol minum isi The Bank encourages employees to use refillable water bottles
ulang dan menghentikan penggunaan air minum kemasan and has discontinued the use of bottled water in meetings
dalam rapat dan pertemuan. Setiap ruangan kantor juga and gatherings. Each office space is also equipped with
dilengkapi dengan tempat sampah yang memadai untuk adequate waste bins to maintain a clean work environment.
menjaga kebersihan lingkungan kerja. [POJK51-F.1] [POJK51-F.1]
PT Bank Ina Perdana Tbk 377
Page 380
Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Di samping itu, selama tahun 2024, tidak terdapat insiden Additionally, throughout 2024, there were no waste spill
tumpahan limbah yang disebabkan oleh aktivitas Bank. incidents caused by the Bank’s activities. [POJK51-F.15]
[POJK51-F.15]
6. Pengendalian Emisi [POJK51-F.11, F.12] [ESG-E.06, E.07] 6. Emission Control [POJK51-F.11, F.12] [ESG-E.06, E.07]
Bank INA menyadari bahwa meskipun aktivitas operasionalnya Bank INA acknowledges that, while its operational activities
tidak berkontribusi secara signifikan terhadap emisi gas do not significantly contribute to greenhouse gas (GHG)
rumah kaca (GRK), Bank tetap memiliki potensi dampak, emissions, there is still a potential impact, primarily from
terutama dari penggunaan kendaraan operasional the use of operational vehicles (Direct Emissions - Scope 1)
(Emisi Langsung - Scope 1) dan konsumsi energi listrik and electricity consumption (Indirect Emissions - Scope 2).
(Emisi Tidak Langsung - Scope 2). Selain itu, Bank INA telah Furthermore, Bank INA has set a long-term target of reducing
menetapkan target jangka panjang berupa pengurangan emisi GHG emissions by 75% by 2050 and achieving Net Zero
GRK sebesar 75% pada tahun 2050 dan pencapaian Net Zero Emissions by 2060, as part of its commitment to the global
Emission pada tahun 2060, sebagai bentuk dukungan terhadap sustainability agenda.
agenda global keberlanjutan.
Sebagai bagian dari strategi menuju Net Zero, Bank INA telah As part of its strategy toward Net Zero, Bank INA has
mengimplementasikan langkah-langkah berikut. implemented the following measures.
a. Mengoptimalkan konsumsi listrik dengan penggunaan a. Optimizing electricity consumption by using energy-efficient
perangkat hemat energi seperti lampu LED dan sistem devices such as LED lighting and more efficient cooling
pendingin yang lebih efisien. systems.
b. Mengurangi perjalanan dinas dengan memanfaatkan b. Reducing business travel by utilizing online meetings
pertemuan daring untuk menekan emisi dari transportasi to minimize emissions from operational transportation.
operasional.
c. Mengeksplorasi opsi penggunaan sumber energi ramah c. Exploring options for using environmentally friendly energy
lingkungan dalam operasional perbankan. sources in banking operations.
d. Menyediakan ruang terbuka hijau di sekitar kantor Bank d. Providing green open spaces around Bank offices to
untuk meningkatkan serapan karbon dan menciptakan enhance carbon absorption and create a greener work
lingkungan kerja yang lebih hijau. environment.
Bank INA akan terus melakukan pemantauan konsumsi Bank INA will continue to monitor energy consumption,
energi dan evaluasi dampak emisi secara berkala serta regularly evaluate emission impacts, and develop further
mengembangkan strategi lebih lanjut guna mendukung target strategies to support sustainability targets.
keberlanjutan.
Satuan
Uraian 2024 2023 2022 Descriptions
Unit
Emisi dari Penggunaan BBM Emissions from Fuel Use
TonCO2eq 581,85 513,12 396,27
(Scope 1) (Scope 1)
Emisi dari Penggunaan Listrik Emissions from Electricity Usage
TonCO2eq 1.328,28 923,25 847,48
(Scope 2) (Scope 2)
Total Emisi [ESG-E.01] TonCO2eq 1.910,13 1.436,37 1.243,76 Total Emissions [ESG-E.01]
Intensitas Emisi Terhadap TonCO2eq/jutaan Rupiah Emissions Intensity Against
0,00101 0,00083 0,00106
Pendapatan Bunga [ESG-E.02] TonCO2eq/million Rupiah Interest Income [ESG-E.02]
Efisiensi Emisi Terhadap TonCO2eq/jutaan Rupiah Emissions Efficiency
(0,00018) 0,00023 N/A*)
Pendapatan Bunga TonCO2eq/million Rupiah Against Interest Income
*) Belum melakukan perhitungan emisi untuk tahun 2021. / No emission calculation conducted in 2021.
7. Keanekaragaman Hayati [POJK51-F.9] [POJK51-F.10] 7. Biodiversity [POJK51-F.9] [POJK51-F.10]
Bank turut berkontribusi untuk menciptakan dan mendukung The Bank also contributes to creating and supporting
keberadaan ruang terbuka hijau di area operasionalnya. Salah the presence of green open spaces in its operational areas.
satu langkah yang diambil adalah penempatan pot tanaman One of the measures taken includes placing potted plants
di sekitar kantor, serta menjalin kerja sama dengan pengelola around office spaces and collaborating with building
378 PT Bank Ina Perdana Tbk
Page 381
Laporan Tahunan 2024
2024 Annual Report
gedung untuk menciptakan suasana yang lebih asri. Dalam management to create a more lush and comfortable
upaya mendukung keanekaragaman hayati, Bank secara aktif environment. To support biodiversity, the Bank actively
melakukan penanaman dan pemeliharaan tanaman dengan engages in planting and maintaining greenery using a
pendekatan yang berkelanjutan. Di samping itu, wilayah sustainable approach. Additionally, the Bank’s operational
operasional Bank tidak berada di dekat area yang dilindungi areas are not located near protected zones or regions with high
atau kawasan yang memiliki keanekaragaman hayati yang biodiversity. As a result, its operations can proceed without
tinggi. Dengan demikian, operasional Bank dapat berlangsung negatively impacting the environment and biodiversity.
tanpa memberikan dampak negatif terhadap lingkungan dan
keanekaragaman hayati.
Capaian Kegiatan Activity Achievements
Selama tahun 2024, peningkatan aktivitas operasional Bank Throughout 2024, increased operational activities led to higher
berdampak pada meningkatnya penggunaan energi, air, dan energy, water, and paper consumption. To address this, the Bank
kertas. Untuk mengatasi hal ini, Bank mengimplementasikan has implemented various efficiency programs, such as optimizing
berbagai program efisiensi, seperti optimalisasi penggunaan energy usage, promoting digital documents to reduce paper
energi, promosi dokumen digital untuk mengurangi konsumsi consumption, and raising employee awareness of the importance
kertas, serta peningkatan kesadaran karyawan tentang pentingnya of water conservation.
penghematan air.
Penghargaan dan Sertifikasi Awards and Certifications
Sepanjang tahun 2024, Bank belum memperoleh penghargaan atau Throughout 2024, the Bank has not received any environmental
sertifikasi terkait lingkungan hidup. Namun, hal ini tidak mengurangi awards or certifications. However, this does not diminish its
komitmen Bank dalam menerapkan praktik keberlanjutan. Bank commitment to implementing sustainable practices. The Bank
terus berupaya meningkatkan inisiatif lingkungan melalui berbagai continues to enhance its environmental initiatives through various
program yang bertujuan untuk menciptakan dampak positif bagi programs aimed at creating a positive impact for the future.
masa depan.
Sarana Pengaduan Masalah Lingkungan Hidup Complaint Channel for Environmental Problem
[POJK51-F.16] [POJK51-F.16]
Bank INA membuka akses bagi pemangku kepentingan untuk Bank INA provides stakeholders with access to submit complaints
menyampaikan keluhan atau kritik terkait lingkungan hidup. or feedback related to environmental issues. Complaints
Keluhan dapat disampaikan melalui e-mail, call center, situs can be submitted via email, call center, the Bank’s website,
web Bank, dan media sosial resmi Bank. Setiap pengaduan akan and official social media channels. Every report will be handled
ditindaklanjuti dengan profesionalisme dan transparansi. with professionalism and transparency.
Biaya Pengelolaan Lingkungan Hidup [POJK51-F.4] Environmental Management Cost [POJK51-F.4]
Saat ini, Bank belum memiliki program lingkungan hidup yang Currently, the Bank does not have a standalone environmental
berdiri sendiri, sehingga belum terdapat biaya khusus yang program; therefore, no specific budget has been allocated for such
dialokasikan untuk program tersebut dalam tiga tahun terakhir. initiatives over the past three years. However, expenses related
Namun, biaya terkait pengelolaan lingkungan di kantor pusat dan to environmental management at the head office and branches,
cabang, seperti retribusi sampah dan layanan kebersihan, telah such as waste collection fees and cleaning services, have been
dimasukkan dalam biaya operasional gedung. incorporated into building operational costs.
PT Bank Ina Perdana Tbk 379
Page 382
Tanggapan Terhadap Umpan Balik Tahun Sebelumnya [POJK51-G.4] Response to Previous Year’s Feedback Pada tahun 2024, Bank INA tidak menerima umpan balik dari In 2024, Bank INA did not receive any stakeholder feedback pemangku kepentingan terkait Laporan Tahunan. Meski demikian, regarding the Annual Report. Nevertheless, the Bank remains Bank terus berupaya meningkatkan transparansi dan kualitas committed to improving transparency and the quality of information penyampaian informasi dalam Laporan Tahunan setiap tahunnya. presented in the Annual Report each year. 380 PT Bank Ina Perdana Tbk
Page 383
Lembar Umpan Balik [POJK51-G.3]
Feedback Form
Setelah membaca Laporan Tahunan PT Bank Ina Perdana Tbk, After reading the Annual Report of PT Bank Ina Perdana Tbk,
kami mohon kesediaan para pemangku kepentingan untuk we request stakeholders to provide feedback by sending an email.
memberikan umpan balik dengan mengirim 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 Bank.
Data dan informasi yang diungkapkan mudah dipahami, lengkap, transparan, dan berimbang.
… …
Data and information disclosed are easy to understand, complete, transparent, and balanced.
Data dan informasi yang disajikan berguna dalam pengambilan keputusan.
… …
Data and information presented are useful for making decision.
Laporan ini menarik dan mudah dibaca.
… …
This report is interesting and easy to read.
Mohon berikan nilai mengenai aspek yang terdapat dalam laporan ini (nilai 1 = paling penting, 2 = penting, 3 = tidak penting, 4 = sangat tidak penting).
Please score the aspects in this report (1 = most important, 2 = important, 3 = less important, 4 = least important).
Nilai Ekonomi Langsung yang Dihasilkan dan Distribusikan Non-Diskriminasi
Direct Economic Value Generated and Distributed Non-Discrimination
Dampak Ekonomi Tidak Langsung Praktik Pengamanan
Indirect Economic Impacts Security Practices
Praktik Pengadaan Penilaian Hak Asasi Manusia
Procurement Practices Human Rights Assessment
Anti-Korupsi Kesehatan dan Keselamatan Nasabah
Anti-Corruption Customer Health and Safety
Bersaing Sehat/Anti-Monopoli Privasi Nasabah
Healthy Competition/Anti-Monopoly Customer Privacy
Ketenagakerjaan Kepatuhan Sosial Ekonomi
Employment Socio-Economic Compliance
Kesehatan dan Keselamatan Kerja Literasi dan Inklusi Keuangan
Occupational Health and Safety Financial Literacy and Inclusion
Pelatihan dan Pendidikan Penggunaan Energi
Training and Education Energy Use
Keanekaragaman dan Kesempatan yang Setara Penggunaan Kertas
Diversity and Equal Opportunity Paper Use
Mohon berikan komentar/saran/usulan bagi laporan ini.
Please provide comment/suggestion/recommendation on this report.
…………………………………………………………………………………………………………………………………………………………………………….................
…………………………………………………………………………………………………………………………………………………………………………….................
Profil Anda / Your Profile
Nama / Name : ………………………………………………………………………………………….........
Pekerjaan / Occupation : ………………………………………………………………………………………….........
Institusi/Perusahaan / Institution/Company : ………………………………………………………………………………………….........
Kontak (telepon, e-mail) / Contact (phone, e-mail) : ………………………………………………………………………………………….........
Kategori Pemangku Kepentingan / Category of Stakeholder
Pemerintah Pelanggan Karyawan Mitra Kerja
Governance Customer Employee Business Partners
Media Masyarakat LSM Lain-Lain, ….
Media Community NGO Others, ….
Saran dan tanggapan yang Anda
berikan atas informasi yang
disajikan dalam laporan ini mohon Gedung Ariobimo Sentral +62 21 252 5678
dikirimkan kepada: Mezzanine Floor +62 21 252 5025
Please send your suggestion and Feliks Suranta Tarigan Jl. HR Rasuna Said Blok X-2 Kav. 5 corp_sec@bankina.co.id
response to information presented Jakarta Selatan 12950 www.bankina.co.id
in this report to: Sekretaris Perusahaan
Corporate Secretary
PT Bank Ina Perdana Tbk 381
Page 384
Halaman ini sengaja dikosongkan This page is intentionally left blank
Page 385
Indeks Pengungkapan Kriteria
Peraturan Otoritas Jasa Keuangan
No. 51/POJK.03/2017 [POJK.51-G.5]
Criteria Disclosure Index of POJK No. 51/POJK.03/2017
No. Indeks Uraian Halaman
Index No. Description Page
Penjelasan Strategi Berkelanjutan
A.1 11
Description of Sustainability Strategy
IKHTISAR KINERJA BERKELANJUTAN
SUSTAINABILITY PERFORMANCE HIGHLIGHTS
Ikhtisar Kinerja Ekonomi
B.1 24
Economic Performance Highlights
Ikhtisar Kinerja Lingkungan Hidup
B.2 27
Environmental Performance Highlights
Ikhtisar Kinerja Sosial
B.3 26
Social Performance Highlights
PROFIL PERUSAHAAN
COMPANY PROFILE
Visi, Misi, dan Nilai Berkelanjutan
C.1 62
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 7
Company Address
Skala Perusahaan
C.3 24; 96; 106
Company Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 64; 66
Products, Services, and Business Activities
Keanggotaan pada Asosiasi
C.5 35
Membership in Association
Perubahan Organisasi Bersifat Signifikan
C.6 59
Significant Organizational Change
PENJELASAN DIREKSI
EXPLANATION FROM THE BOARD OF DIRECTORS
Penjelasan Direksi
D.1 44
Explanation from the Board of Directors
TATA KELOLA BERKELANJUTAN
SUSTAINABILITY GOVERNANCE
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1 349
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi terkait Keuangan Berkelanjutan
E.2 350
Competency Development Related to Sustainable Finance
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
E.3 351
Risk Assessment for the Implementation of Sustainable Finance
Hubungan dengan Pemangku Kepentingan
E.4 17
Relations with Stakeholders
Permasalahan Terhadap Penerapan Keuangan Berkelanjutan
E.5 353
Problems with the Implementation of Sustainable Finance
KINERJA BERKELANJUTAN
SUSTAINABILITY PERFORMANCE
Kegiatan Membangun Budaya Berkelanjutan
F.1 377
Building a Sustainability Culture
PT Bank Ina Perdana Tbk 383
Page 386
No. Indeks Uraian Halaman
Index No. Description Page
KINERJA EKONOMI
ECONOMY PERFORMANCE
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan
dan Laba Rugi
F.2 143
Comparison of Target and Performance of Production, Portfolio, Financing Targets, or Investment, Income
and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau
Proyek yang Sejalan dengan Keuangan Berkelanjutan
F.3 373
Comparison of Target and Performance of Portfolio, Financing Targets, or Investment on Financial Instruments
or Projects in Line with Sustainable Finance
KINERJA LINGKUNGAN
ENVIRONMENTAL PERFORMANCE
Umum
General
Biaya Lingkungan Hidup
F.4 379
Environmental Costs
Aspek Material
Material Aspects
Penggunaan Material yang Ramah Lingkungan
F.5 375
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspects
Jumlah dan Intensitas Energi yang Digunakan
F.6 375
Amount and Intensity of Energy Used
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 375
Efforts and Achievement of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspects
Penggunaan Air
F.8 376
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspects
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati 378
Impact of Operational Area Adjacent to or In Conservation Areas or Areas with Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 378
Biodiversity Conservation Effort
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
F.11 378
Amount and Intensity of Emissions Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 378
Efforts Made and Achievements of Emission Reduction
Aspek Limbah dan Efluen
Waste and Effluent Aspects
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
F.13 377
Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 377
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (jika ada)
F.15 378
Spill Occurring (if any)
Aspek Pengaduan Terkait Lingkungan Hidup
Aspects of Complaints Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 379
Number and Material of Environmental Complaints Received and Resolved
384 PT Bank Ina Perdana Tbk
Page 387
No. Indeks Uraian Halaman
Index No. Description Page
KINERJA SOSIAL
SOCIAL PERFORMANCE
Komitmen LJK, Emiten, atau Perusahaan Publik untuk Memberikan Layanan atas Produk dan/atau Jasa yang
F.17 Setara kepada Konsumen 367
LJK, Issuer, or Public Company’s Commitment to Providing Equal Products and/or Services to Consumers
Aspek Ketenagakerjaan
Manpower Aspects
Kesetaraan Kesempatan Bekerja
F.18 359
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 356
Child Labor and Forced Labor
Upah Minimum Regional
F.20 360
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21 361-362
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 361
Employee Capacity Training and Development
Aspek Masyarakat
Community Aspects
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 363; 366
Impact of Operations on the Surrounding Communities
Pengaduan Masyarakat
F.24 366
Public Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 363-366
Environmental Social Responsibility (TJSL) Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
F.26 370
Sustainable Finance Product/Service Innovation and Development
Produk/Jasa yang sudah Dievaluasi Keamanannya bagi Pelanggan
F.27 370
Products/Services with Evaluated Customer Safety
Dampak Produk/Jasa
F.28 371
Product/Service Impact
Jumlah Produk yang Ditarik Kembali
F.29 370
Number of Products Recalled
Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 372
Customer Satisfaction Survey on Sustainable Finance Products and/or Services
Lain-Lain
Miscellaneous
Verifikasi Tertulis dari Pihak Independen (jika ada)
G.1 21
Written Verification from Independent Party (if any)
Surat Pernyataan Anggota Direksi tentang Tanggung Jawab atas Laporan Berkelanjutan
G.2 53
Statement of Members of the Board of Directors regarding the Responsibility for Sustainability Reports
Lembar Umpan Balik
G.3 381
Feedback Form
Tanggapan Terhadap Umpan Balik Laporan Tahun Sebelumnya
G.4 380
Responses to Previous Year’s Report Feedback
Daftar Pengungkapan sesuai Peraturan Otoritas Jasa Keuangan No. 51 tahun 2017
G.5 383
List of Disclosures in Accordance with POJK 51/2017
PT Bank Ina Perdana Tbk 385
Page 388
Daftar Pengungkapan Sesuai
Pelaporan ESG Metrik
Disclosure List According to ESG Metric Reporting
Kinerja Kode Nama Metrik Halaman
Performance Code Metric Name Page
Laporan Emisi Gas Rumah Kaca
E.01 378
Greenhouse Gas Emissions Report
Intensitas Emisi Gas Rumah Kaca
E.02 378
Greenhouse Gas Emission Intensity
Konsumsi Energi Listrik
E.03 375
Electricity Consumption
Lingkungan Konsumsi Air
E.04 376
Environment Water Consumption
Limbah yang Dihasilkan
E.05 377
Waste Generated
Komitmen Perusahaan untuk Mencapai Target Net Zero Emission
E.06 378
Company Commitment to Achieve Net Zero Emissions Target
Komitmen Perusahaan untuk mengurangi Emisi Gas Rumah Kaca
E.07 378
Company Commitment to Reducing Greenhouse Gas Emissions
Kesetaraan Gender
S.01 359
Gender Equality
Pegawai Berdasarkan Gender dan Kelompok Umur
S.02 153
Employees by Gender and Age Group
Tingkat Pergantian Pegawai
S.03 154
Employee Turnover Rate
Jumlah Pegawai Sementara
S.04 154
Number of Temporary Employees
Pelatihan dan Pengembangan Pegawai
S.05 156
Employee Training and Development
Jumlah Kecelakaan Kerja
S.06 362
Sosial Number of Workplace Accidents
Social Kejadian Pelanggaran Hak Asasi Manusia
S.07 357
Human Rights Violations Incidents
Kebijakan Pelecehan Seksual dan/atau Non- diskriminasi
S.08 357
Sexual Harassment and/or Non-Discrimination Policy
Kebijakan Mengenai Hak Asasi Manusia
S.09 355
Human Rights Policy
Kebijakan Pekerja Anak dan/atau Pekerja Paksa
S.10 356
Child Labor and/or Forced Labor Policy
Kebijakan Mengenai Kesehatan dan Keselamatan Kerja serta Lingkungan Kerja yang Aman dan
S.11 Layak Diberikan kepada Seluruh Karyawan 359
Occupational Health, Safety, and Workplace Environment Policy for All Employees
S.12 Corporate Social Responsibility 365
386 PT Bank Ina Perdana Tbk
Page 389
Kinerja Kode Nama Metrik Halaman
Performance Code Metric Name Page
Keberagaman Manajemen dan Independensi
G.01 254; 261
Management Diversity and Independence
Total Kehadiran Direksi dan Komisaris ke Rapat Dewan
G.02 256; 264
Total Attendance of the Board of Directors and Board of Commissioners at Board Meetings
Kebijakan Pemisahan Chairman of the Board dan CEO
G.03 236
Policy on the Separation of Chairman of the Board and CEO
Kebijakan Penilaian Dewan Direksi dan Komisaris
G.04 270
Policy on Board of Directors and Board of Commissioners Performance Evaluation
Tata Kelola Kebijakan Pelatihan Dewan Direksi dan Komisaris
G.05 269
Governance Policy on Board of Directors and Board of Commissioners Training
Kriteria Khusus Pemilihan Dewan
G.06 271
Specific Criteria for Board Member Selection
Kode Etik dan/atau Anti-Korupsi
G.07 334; 340; 359
Code of Conduct and/or Anti-Corruption Policy
Kebijakan Perlakuan Adil Terhadap Pemegang Saham
G.08 342; 358
Policy on Fair Treatment of Shareholders
Pencegahan Konflik Kepentingan
G.09 277
Conflict of Interest Prevention
PT Bank Ina Perdana Tbk 387
Page 390
LAPORAN KEUANGAN Financial Statements 388 PT Bank Ina Perdana Tbk
Page 391
PT Bank Ina Perdana Tbk Laporan keuangan tanggal 31 Desember 2024 dan untuk tahun yang berakhir pada tanggal tersebut beserta laporan auditor independen/ Financial statements as of December 31, 2024 and for the year then ended with independent auditor’s report
Page 392
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN KEUANGAN FINANCIAL STATEMENTS
TANGGAL 31 DESEMBER 2024 AS OF DECEMBER 31, 2024
DAN UNTUK TAHUN YANG BERAKHIR PADA AND FOR THE YEAR THEN ENDED
TANGGAL TERSEBUT WITH INDEPENDENT AUDITOR’S REPORT
BESERTA LAPORAN AUDITOR INDEPENDEN
Daftar Isi Table of Contents
Halaman/
Page
Surat Pernyataan Direksi Statement of the Board of Directors
Laporan Auditor Independen Independent Auditor’s Report
Laporan Posisi Keuangan ..……..…….………………… 1-3 ……………………….Statement of Financial Position
Laporan Laba Rugi dan Penghasilan Statement of Profit or Loss and
Komprehensif Lain …………………………………... 4-5 ..............................Other Comprehensive Income
Laporan Perubahan Ekuitas ……….…..……………….. 6-7 …………..…………..Statement of Changes in Equity
Laporan Arus Kas ………….…..………………………… 8-9 …………………..….............Statement of Cash Flow
Catatan Atas Laporan Keuangan ...………....………..... 10 - 162 …………………… Notes to the Financial Statements
************************
Page 393
Page 394
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen Independent Auditor’s Report
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 1/1/III/2025
Pemegang Saham, Dewan Komisaris, dan The Shareholders and the Boards of
Direksi Commissioners and Directors
PT Bank Ina Perdana Tbk PT Bank Ina Perdana Tbk
Opini Opinion
Kami telah mengaudit laporan keuangan We have audited the accompanying financial
PT Bank Ina Perdana Tbk (“Bank”) terlampir, yang statements of PT Bank Ina Perdana Tbk
terdiri dari laporan posisi keuangan tanggal (the “Bank”), which comprise the statement of
31 Desember 2024, serta laporan laba rugi dan financial position as of December 31, 2024, and
penghasilan komprehensif lain, laporan perubahan the statement of profit or loss and other
ekuitas, dan laporan arus kas untuk tahun yang comprehensive income, statement of changes in
berakhir pada tanggal tersebut, serta catatan atas equity, and statement of cash flows for the
laporan keuangan, termasuk informasi kebijakan year then ended, and notes to the financial
akuntansi material. statements, including material accounting policy
information.
Menurut opini kami, laporan keuangan terlampir In our opinion, the accompanying financial
menyajikan secara wajar, dalam semua hal statements present fairly, in all material
yang material, posisi keuangan Bank tanggal respects, the financial position of the Bank as
31 Desember 2024, serta kinerja keuangan dan of December 31, 2024, and its financial
arus kasnya untuk tahun yang berakhir pada performance and cash flows for the year then
tanggal tersebut, sesuai dengan Standar Akuntansi ended, in accordance with Indonesian Financial
Keuangan di Indonesia. Accounting Standards.
Basis opini Basis for opinion
Kami melaksanakan audit kami berdasarkan We conducted our audit in accordance with
Standar Audit yang ditetapkan oleh Institut Standards on Auditing established by Indonesian
Akuntan Publik Indonesia (“IAPI”). Tanggung jawab Institute of Certified Public Accountants
kami menurut standar tersebut diuraikan lebih (“IICPA”). Our responsibilities under those
lanjut dalam paragraf Tanggung Jawab Auditor standards are further described in the Auditor’s
terhadap Audit atas Laporan Keuangan pada Responsibilities for the Audit of the Financial
laporan kami. Kami independen terhadap Bank Statements paragraph of our report. We are
berdasarkan ketentuan etika yang relevan dalam independent of the Bank in accordance with the
audit kami atas laporan keuangan di Indonesia, dan ethical requirements relevant to our audit of the
kami telah memenuhi tanggung jawab etika lainnya financial statements in Indonesia, and we have
berdasarkan ketentuan tersebut. Kami yakin fulfilled our other ethical responsibilities in
bahwa bukti audit yang telah kami peroleh adalah accordance with such requirements. We believe
cukup dan tepat untuk menyediakan suatu basis that the audit evidence we have obtained is
bagi opini kami. sufficient and appropriate to provide a basis for
our opinion.
i
Page 395
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 (lanjutan) 1/1/III/2025 (continued)
Hal audit utama Key audit matters
Hal audit utama adalah hal-hal yang, menurut Key audit matters are those matters that, in our
pertimbangan profesional kami, merupakan hal professional judgment, were of most significance
yang paling signifikan dalam audit kami atas in our audit of the financial statements of the
laporan keuangan periode kini. Hal audit utama current period. Such key audit matters were
tersebut disampaikan dalam konteks audit kami addressed in the context of our audit of the
atas laporan keuangan secara keseluruhan, dan financial statements taken as a whole, and in
dalam merumuskan opini kami atas laporan forming our opinion thereon, and we do not
keuangan terkait, dan kami tidak menyatakan provide a separate opinion on such key audit
suatu opini terpisah atas hal audit utama tersebut. matters. For the key audit matter below, our
Untuk hal audit utama di bawah ini, penjelasan description of how our audit addressed such key
kami tentang bagaimana audit kami merespons hal audit matter is provided in such context.
tersebut disampaikan dalam konteks tersebut.
Kami telah memenuhi tanggung jawab yang We have fulfilled the responsibilities described in
diuraikan dalam paragraf Tanggung Jawab Auditor the Auditor’s Responsibilities for the Audit of the
terhadap Audit atas Laporan Keuangan pada Financial Statements paragraph of our report,
laporan kami, termasuk sehubungan dengan hal including in relation to key audit matter
audit utama yang dikomunikasikan di bawah ini. communicated below. Accordingly, our audit
Oleh karena itu, audit kami mencakup pelaksanaan included the performance of procedures
prosedur yang didesain untuk merespons penilaian designed to respond to our assessment of the
kami atas risiko kesalahan penyajian material risks of material misstatement of the
dalam laporan keuangan terlampir. Hasil prosedur accompanying financial statements. The results
audit kami, termasuk prosedur yang dilakukan of our audit procedures, including the procedures
untuk merespons hal audit utama di bawah ini, performed to address the key audit matter below,
menyediakan basis bagi opini kami atas laporan provide the basis for our opinion on the
keuangan terlampir. accompanying financial statements.
Cadangan kerugian penurunan nilai atas kredit Allowance for impairment losses on loans
yang diberikan
Penjelasan atas hal audit utama: Description of key audit matter:
Seperti yang dijelaskan dalam Catatan 10 atas As described in Note 10 to the accompanying
laporan keuangan terlampir, pada tanggal financial statements, as of December 31, 2024,
31 Desember 2024, saldo cadangan kerugian the balance of allowance for impairment on loans
penurunan nilai atas kredit yang diberikan adalah amounted to Rp311,514 million. Refer to
sebesar Rp311.514 juta. Lihat informasi kebijakan material accounting policy information of
akuntansi material untuk cadangan kerugian allowance for impairment losses on financial
penurunan nilai aset keuangan yang diungkapkan assets as disclosed in Note 2k, use of significant
dalam Catatan 2k, penggunaan pertimbangan, accounting judgments, estimates and
estimasi, dan asumsi akuntansi yang signifikan assumptions in Note 3, and the disclosures of
dalam Catatan 3, dan pengungkapan cadangan allowance for impairment losses on loans in Note
kerugian penurunan nilai atas kredit yang 10 to the accompanying financial statements.
diberikan dalam Catatan 10 atas laporan keuangan
terlampir.
ii
Page 396
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 (lanjutan) 1/1/III/2025 (continued)
Hal audit utama (lanjutan) Key audit matters (continued)
Cadangan kerugian penurunan nilai atas kredit Allowance for impairment losses of loans
yang diberikan (lanjutan) (continued)
Penjelasan atas hal audit utama: (lanjutan) Description of key audit matter: (continued)
Kami berfokus pada area ini karena saldo kredit We focused on this area because the balances of
yang diberikan dan cadangan kerugian penurunan loans and allowance for impairment losses on
nilai atas kredit yang diberikan adalah signifikan loans are significant to the accompanying
terhadap laporan keuangan terlampir. Selain itu, financial statements. In addition, the
penentuan cadangan kerugian penurunan nilai determination of allowance for impairment
memerlukan pertimbangan dan memiliki losses requires judgment and is subject to
ketidakpastian estimasi termasuk penentuan estimation uncertainty which includes
model untuk menghitung cadangan kerugian determining the model to calculate allowance for
penurunan nilai, identifikasi eksposur kredit yang impairment losses, identification of credit
mengalami penurunan kualitas kredit yang exposures with significant deterioration in credit
signifikan, dan penentuan asumsi yang digunakan quality, and determining assumptions used in the
dalam model perhitungan cadangan kerugian allowance for impairment losses calculation
penurunan nilai (untuk eksposur yang dinilai models (for exposures assessed on an individual
secara individu atau kolektif), termasuk faktor- or collective basis), which incorporates forward-
faktor ekonomi makro berorientasi masa depan. looking macroeconomic factors.
Respons audit: Audit response:
Kami melakukan pengujian pengendalian utama We tested the key controls over the loan
atas pemberian kredit, penilaian kualitas kredit origination, regular internal credit quality
internal secara reguler, serta pencatatan dan assessments, and recording and monitoring
pengawasan kredit yang diberikan. Kami of the loans. We obtained understanding
memeroleh pemahaman dan menilai metodologi and assessed impairment measurement
pengukuran penurunan nilai, serta melakukan methodologies and performed validation of
validasi atas model pencadangan kerugian allowance for impairment losses models, inputs,
penurunan nilai, data masukan, dasar, dan asumsi basis, and assumptions used by the Bank in
yang digunakan oleh Bank dalam menghitung calculating the allowance for impairment losses,
cadangan kerugian penurunan nilai, serta menguji and tested the classification into three-stage
tiga tahapan kualitas kredit atas portofolio kredit credit quality of loan portfolios in accordance
yang diberikan sesuai dengan kriteria tingkatan with staging criteria developed by the Bank for
(staging) yang disusun oleh Bank untuk kredit yang loans. We tested whether historical experience is
diberikan. Kami menguji apakah pengalaman representative of current circumstances and of
historis mewakili keadaan saat ini dan kerugian the recent losses incurred in the portfolios, and
terkini yang terjadi dalam portofolio, serta menilai assessed the reasonableness of forward-looking
kewajaran atas penyesuaian berorientasi masa adjustments, macroeconomic factor analysis,
depan, analisis faktor ekonomi makro, dan and probability-weighted multiple scenarios for
beberapa skenario probabilitas tertimbang untuk loans.
kredit yang diberikan.
iii
Page 397
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 (lanjutan) 1/1/III/2025 (continued)
Hal audit utama (lanjutan) Key audit matters (continued)
Cadangan kerugian penurunan nilai atas kredit Allowance for impairment losses of loans
yang diberikan (lanjutan) (continued)
Respons audit: (lanjutan) Audit response: (continued)
Untuk cadangan kerugian penurunan nilai yang With respect to individually assessed allowance
dinilai secara individual, kami menguji kredit yang for impairment losses, we tested the loans to
diberikan untuk mengevaluasi identifikasi secara evaluate the timely identification by the Bank of
tepat waktu oleh Bank atas eksposur yang exposures with significant deterioration in credit
mengalami penurunan kualitas kredit yang quality or which have been impaired. For cases
signifikan atau yang telah mengalami penurunan where impairment has been identified, we
nilai. Untuk kasus-kasus dimana penurunan nilai assessed the Bank’s assumptions on the
telah diidentifikasi, kami menilai asumsi Bank atas expected future cash flows, including the
arus kas masa depan ekspektasian, termasuk nilai realizable value of collateral based on available
agunan yang dapat direalisasikan berdasarkan market information or valuation prepared by
informasi pasar yang tersedia atau penilaian yang independent or internal valuer.
dilakukan oleh penilai independen dan internal.
Kami memeriksa keakurasian perhitungan jumlah We checked the accuracy of the calculation of
cadangan kerugian penurunan nilai dengan allowance for impairment losses amount by
melakukan perhitungan ulang atas keseluruhan recalculating the collective impairment for the
portofolio yang penurunan nilainya dinilai secara entire portfolio and the individual impairment for
kolektif dan keseluruhan portofolio yang the entire portfolio. We assessed whether the
penurunan nilainya dinilai secara individual. Kami financial statements disclosures are adequately
menilai apakah pengungkapan dalam laporan and appropriately reflecting the Bank’s
keuangan cukup dan secara memadai exposures to credit risks. We involved our
mencerminkan eksposur Bank terhadap risiko auditor’s internal expert in the performance of
kredit. Kami melibatkan pakar auditor internal the above procedures where their specific
kami untuk membantu kami dalam melakukan expertise was required.
prosedur-prosedur di atas ketika keahlian spesifik
mereka diperlukan.
Informasi lain Other information
Manajemen bertanggung jawab atas informasi lain. Management is responsible for the other
Informasi lain terdiri dari informasi yang tercantum information. Other information comprises the
dalam Laporan Tahunan 2024 (“Laporan information included in the 2024 Annual Report
Tahunan”) selain laporan keuangan terlampir dan (the “Annual Report”) other than the
laporan auditor independen kami. Laporan accompanying financial statements and our
Tahunan diharapkan akan tersedia bagi kami independent auditor’s report thereon. The
setelah tanggal laporan auditor independen ini. Annual Report is expected to be made available
to us after the date of this independent auditor’s
report.
Opini kami atas laporan keuangan terlampir tidak Our opinion on the accompanying financial
mencakup Laporan Tahunan, dan oleh karena itu, statements does not cover the Annual Report,
kami tidak menyatakan bentuk keyakinan apapun and accordingly, we do not express any form of
atas Laporan Tahunan tersebut. assurance on the Annual Report.
iv
Page 398
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 (lanjutan) 1/1/III/2025 (continued)
Informasi lain (lanjutan) Other information (continued)
Sehubungan dengan audit kami atas laporan In connection with our audit of the accompanying
keuangan terlampir, tanggung jawab kami adalah financial statements, our responsibility is to read
untuk membaca Laporan Tahunan ketika tersedia the Annual Report when it becomes available
dan, dalam melaksanakannya, mempertimbangkan and, in doing so, consider whether the Annual
apakah Laporan Tahunan mengandung Report is materially inconsistent with the
ketidakkonsistensian material dengan laporan accompanying financial statements or our
keuangan terlampir atau pemahaman yang kami knowledge obtained in the audit, or otherwise
peroleh selama audit, atau mengandung kesalahan appears to be materially misstated.
penyajian material.
Ketika kami membaca Laporan Tahunan, jika kami When we read the Annual Report, if we conclude
menyimpulkan bahwa terdapat suatu kesalahan that there is a material misstatement therein, we
penyajian material di dalamnya, kami diharuskan are required to communicate the matter to those
untuk mengomunikasikan hal tersebut kepada charged with governance and take appropriate
pihak yang bertanggung jawab atas tata kelola dan actions based on the applicable laws and
melakukan tindakan yang tepat berdasarkan regulations.
peraturan perundang-undangan yang berlaku.
Tanggung jawab manajemen dan pihak yang Responsibilities of management and those
bertanggung jawab atas tata kelola terhadap charged with governance for the financial
laporan keuangan statements
Manajemen bertanggung jawab atas penyusunan Management is responsible for the preparation
dan penyajian wajar laporan keuangan tersebut and fair presentation of the financial statements
sesuai dengan Standar Akuntansi Keuangan di in accordance with Indonesian Financial
Indonesia, dan atas pengendalian internal yang Accounting Standards, and for such internal
dianggap perlu oleh manajemen untuk control as management determines is necessary
memungkinkan penyusunan laporan keuangan to enable the preparation of financial statements
yang bebas dari kesalahan penyajian material, baik that are free from material misstatement,
yang disebabkan oleh kecurangan maupun whether due to fraud or error.
kesalahan.
Dalam penyusunan laporan keuangan, manajemen In preparing the financial statements,
bertanggung jawab untuk menilai kemampuan management is responsible for assessing the
Bank dalam mempertahankan kelangsungan Bank’s ability to continue as a going concern,
usahanya, mengungkapkan, sesuai dengan disclosing, as applicable, matters related to going
kondisinya, hal-hal yang berkaitan dengan concern, and using the going concern basis of
kelangsungan usaha, dan menggunakan basis accounting, unless management either intends to
akuntansi kelangsungan usaha, kecuali manajemen liquidate the Bank or to cease operations, or has
memiliki intensi untuk melikuidasi Bank atau no realistic alternative but to do so.
menghentikan operasi, atau tidak memiliki
alternatif yang realistis selain melaksanakannya.
v
Page 399
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 (lanjutan) 1/1/III/2025 (continued)
Tanggung jawab manajemen dan pihak yang Responsibilities of management and those
bertanggung jawab atas tata kelola terhadap charged with governance for the financial
laporan keuangan (lanjutan) statements (continued)
Pihak yang bertanggung jawab atas tata kelola Those charged with governance are responsible
bertanggung jawab untuk mengawasi proses for overseeing the Bank’s financial reporting
pelaporan keuangan Bank. process.
Tanggung jawab auditor terhadap audit atas Auditor’s responsibilities for the audit of the
laporan keuangan financial statements
Tujuan kami adalah untuk memeroleh keyakinan Our objectives are to obtain reasonable
memadai tentang apakah laporan keuangan secara assurance about whether the financial
keseluruhan bebas dari kesalahan penyajian statements taken as a whole are free from
material, baik yang disebabkan oleh kecurangan material misstatement, whether due to fraud or
maupun kesalahan, dan untuk menerbitkan error, and to issue an independent auditor’s
laporan auditor independen yang mencakup opini report that includes our opinion. Reasonable
kami. Keyakinan memadai merupakan suatu assurance is a high level of assurance, but is not
tingkat keyakinan tinggi, namun bukan merupakan a guarantee that an audit conducted in
suatu jaminan bahwa audit yang dilaksanakan accordance with Standards on Auditing
berdasarkan Standar Audit yang ditetapkan oleh established by the IICPA will always detect
IAPI akan selalu mendeteksi kesalahan penyajian a material misstatement when it exists.
material ketika hal tersebut ada. Kesalahan Misstatements can arise from fraud or error and
penyajian dapat disebabkan oleh kecurangan are considered material if, individually or in the
maupun kesalahan dan dianggap material jika, baik aggregate, they could reasonably be expected to
secara individual maupun secara agregat, dapat influence the economic decisions of users taken
diekspektasikan secara wajar akan memengaruhi on the basis of these financial statements.
keputusan ekonomi yang diambil oleh pengguna
berdasarkan laporan keuangan tersebut.
Sebagai bagian dari suatu audit berdasarkan As part of an audit in accordance with Standards
Standar Audit yang ditetapkan oleh IAPI, kami on Auditing established by the IICPA, we exercise
menerapkan pertimbangan profesional dan professional judgment and maintain professional
mempertahankan skeptisisme profesional selama skepticism throughout the audit. We also:
audit. Kami juga:
Mengidentifikasi dan menilai risiko kesalahan Identify and assess the risks of material
penyajian material dalam laporan keuangan, misstatement of the financial statements,
baik yang disebabkan oleh kecurangan maupun whether due to fraud or error, design and
kesalahan, mendesain dan melaksanakan perform audit procedures responsive to such
prosedur audit yang responsif terhadap risiko risks, and obtain audit evidence that is
tersebut, serta memeroleh bukti audit yang sufficient and appropriate to provide a basis
cukup dan tepat untuk menyediakan basis bagi for our opinion. The risk of not detecting
opini kami. Risiko tidak terdeteksinya a material misstatement resulting from fraud
kesalahan penyajian material yang disebabkan is higher than for one resulting from error, as
oleh kecurangan lebih tinggi dari yang fraud may involve collusion, forgery,
disebabkan oleh kesalahan, karena kecurangan intentional omissions, misrepresentations, or
dapat melibatkan kolusi, pemalsuan, override of internal control.
penghilangan secara sengaja, pernyataan
salah, atau pengabaian atas pengendalian
internal.
vi
Page 400
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 (lanjutan) 1/1/III/2025 (continued)
Tanggung jawab auditor terhadap audit atas Auditor’s responsibilities for the audit of the
laporan keuangan (lanjutan) financial statements (continued)
Sebagai bagian dari suatu audit berdasarkan As part of an audit in accordance with Standards on
Standar Audit yang ditetapkan oleh IAPI, kami Auditing established by the IICPA, we exercise
menerapkan pertimbangan profesional dan professional judgment and maintain professional
mempertahankan skeptisisme profesional selama skepticism throughout the audit. We also:
audit. Kami juga: (lanjutan) (continued)
Memeroleh suatu pemahaman tentang Obtain an understanding of internal control
pengendalian internal yang relevan dengan relevant to the audit in order to design audit
audit untuk mendesain prosedur audit yang procedures that are appropriate in the
tepat sesuai dengan kondisinya, tetapi bukan circumstances, but not for the purpose of
untuk tujuan menyatakan opini atas expressing an opinion on the effectiveness of
keefektivitasan pengendalian internal Bank. the Bank’s internal control.
Mengevaluasi ketepatan kebijakan akuntansi Evaluate the appropriateness of accounting
yang digunakan serta kewajaran estimasi policies used and the reasonableness of
akuntansi dan pengungkapan terkait yang accounting estimates and related disclosures
dibuat oleh manajemen. made by management.
Menyimpulkan ketepatan penggunaan basis Conclude on the appropriateness of
akuntansi kelangsungan usaha oleh management’s use of the going concern basis
manajemen dan, berdasarkan bukti audit yang of accounting and, based on the audit evidence
diperoleh, apakah terdapat suatu obtained, whether a material uncertainty exists
ketidakpastian material yang terkait dengan related to events or conditions that may cast
peristiwa atau kondisi yang dapat significant doubt on the Bank’s ability to
menyebabkan keraguan signifikan atas continue as a going concern. If we conclude
kemampuan Bank untuk mempertahankan that a material uncertainty exists, we are
kelangsungan usahanya. Ketika kami required to draw attention in our independent
menyimpulkan bahwa terdapat suatu auditor’s report to the related disclosures in the
ketidakpastian material, kami diharuskan financial statements or, if such disclosures are
untuk menarik perhatian dalam laporan auditor inadequate, to modify our opinion. Our
independen kami ke pengungkapan terkait conclusion is based on the audit evidence
dalam laporan keuangan atau, jika obtained up to the date of our independent
pengungkapan tersebut tidak memadai, auditor’s report. However, future events or
memodifikasi opini kami. Kesimpulan kami conditions may cause the Bank to cease to
didasarkan pada bukti audit yang diperoleh continue as going concern.
hingga tanggal laporan auditor independen
kami. Namun, peristiwa atau kondisi masa
depan dapat menyebabkan Bank tidak dapat
mempertahankan kelangsungan usaha.
vii
Page 401
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor’s Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 (lanjutan) 1/1/III/2025 (continued)
Tanggung jawab auditor terhadap audit atas Auditor’s responsibilities for the audit of the
laporan keuangan (lanjutan) financial statements (continued)
Sebagai bagian dari suatu audit berdasarkan As part of an audit in accordance with Standards on
Standar Audit yang ditetapkan oleh IAPI, kami Auditing established by the IICPA, we exercise
menerapkan pertimbangan profesional dan professional judgment and maintain professional
mempertahankan skeptisisme profesional selama skepticism throughout the audit. We also:
audit. Kami juga: (lanjutan) (continued)
Mengevaluasi penyajian, struktur, dan isi Evaluate the overall presentation, structure,
laporan keuangan secara keseluruhan, and content of the financial statements,
termasuk pengungkapannya, dan apakah including the disclosures, and whether the
laporan keuangan mencerminkan transaksi financial statements represent the underlying
dan peristiwa yang mendasarinya dengan transactions and events in a manner that
suatu cara yang mencapai penyajian wajar. achieves fair presentation.
Kami mengomunikasikan kepada pihak yang We communicate with those charged with
bertanggung jawab atas tata kelola mengenai, governance regarding, among other matters, the
antara lain, ruang lingkup dan saat yang planned scope and timing of the audit and
direncanakan atas audit serta temuan audit significant audit findings, including any significant
signifikan, termasuk setiap defisiensi signifikan deficiencies in internal control that we identify
dalam pengendalian internal yang teridentifikasi during our audit.
oleh kami selama audit.
Kami juga memberikan suatu pernyataan kepada We also provide those charged with governance with
pihak yang bertanggung jawab atas tata kelola a statement that we have complied with relevant
bahwa kami telah mematuhi ketentuan etika yang ethical requirements regarding independence, and
relevan mengenai independensi, dan to communicate with them all relationships and
mengomunikasikan kepada pihak tersebut seluruh other matters that may reasonably be thought to
hubungan, serta hal-hal lain yang dianggap secara bear on our independence, and where applicable,
wajar berpengaruh terhadap independensi kami, related safeguards.
dan, jika relevan, pengamanan terkait.
viii
Page 402
The original report included herein is in the Indonesian
language.
Laporan Auditor Independen (lanjutan) Independent Auditor's Report (continued)
Laporan No. 00466/2.1032/AU.1/07/1865- Report No. 00466/2.1032/AU.1/07/1865-
1/1/III/2025 <lanjutan) 1/1/III/2025 (continued)
Tanggung jawab auditor terhadap audit atas Auditor's responsibilities for the audit of the
laporan keuangan (lanjutan) financial statements (continued)
Dari hal-hal yang dikomunikasikan kepada pihak From the matters communicated with those
yang bertanggung jawab atas tata kelola, kami charged with governance, we determine those
menentukan hal-hal tersebut yang paling signifikan matters that were of most significance in the audit
dalam audit atas laporan keuangan periode kini dan of the financial statements of the current period
oleh karenanya menjadi hal audit utama. Kami and are therefore the key audit matters. We
menquraikan hal audit utama tersebut dalam describe such key audit matters in our independent
laporan auditor independen kami kecuali peraturan auditor's report unless laws or regulations preclude
perundang-undangan melarang pengungkapan public disclosure about such key audit matters or
publik tentang hal audit utama tersebut atau when, in extremely rare circumstances, we
ketika, dalam kontlisi yang sangat jarang terjadi, determine that a key audit matter should not be
kami menentukan bahwa suatu hal audit utama communicated in our independent auditor's report
tidak boleh dikomunikasikan dalam laporan auditor because the adverse consequences of doing so
intlependen kami karena konsekuensi yang would reasonably be expected to outweigh the
merugikan dari mengomunikasikan hal tersebut public interest benefits of such communication.
akan diekspektasikan secara wajar melebihi
manfaat kepentingan publik atas komunikasi
tersebut.
KAP Purwantono, Sungkoro & Surja
Rindra Sulindro
Registrasi Akuntan Publik No. AP.1865/Public Accountant Registration No. AP.1865
27 Maret 2025/March 27, 2025
ix
Page 403
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2024 As of December 31, 2024
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, Catatan/ December 31,
2024 Notes 2023*)
ASET ASSETS
Kas 138.875 2,4 71.563 Cash
Current accounts with
Giro pada Bank Indonesia 1.203.006 2,5 1.600.005 Bank Indonesia
Current accounts
Giro pada bank lain 166.363 2,6 178.900 with other banks
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (5) 2,6 (7) impairment losses
166.358 178.893
Penempatan pada Placements with Bank
Bank Indonesia dan bank lain 2.349.253 2,7 3.173.162 Indonesia and other banks
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (312) 2,7 (677) impairment losses
2.348.941 3.172.485
Efek-efek 6.557.223 2,8 4.369.621 Marketable securities
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (9) 2,8 (25) impairment losses
6.557.214 4.369.596
Efek-efek yang dibeli Securities purchased
dengan janji dijual kembali 246.420 2,9 2.146.197 under resale agreements
Kredit yang diberikan 2,10, Loans
Pihak berelasi 315.981 36 167.656 Related parties
Pihak ketiga 12.834.461 12.509.530 Third parties
13.150.442 12.677.186
Cadangan kerugian Allowance for
penurunan nilai (311.514) 2,10 (335.229) impairment losses
12.838.928 12.341.957
Piutang bunga 11,36 Interest receivables
Pihak berelasi 523 195 Related parties
Pihak ketiga 94.760 88.777 Third parties
95.283 88.972
Tagihan akseptasi 60.343 2,12 93.108 Acceptance receivables
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (57) 2,12 (88) impairment losses
60.286 93.020
Tagihan transaksi perdagangan 274.982 2,13 105.408 Receivables from trade transactions
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (142) 2,13 (95) impairment losses
274.840 105.313
*) Setelah Reklasifikasi (Catatan 46) *) After Reclassification (Note 46)
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan ini. integral part of these financial statements.
1
Page 404
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2024 (continued)
(Disajikan dalam jutaan Rupiah, As of December 31, 2024
kecuali dinyatakan lain) (Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ 31 Desember/
December 31, Catatan/ December 31,
2024 Notes 2023*)
ASET (lanjutan) ASSETS (continued)
Tagihan derivatif 574 2,14 1.471 Derivative receivables
Beban dibayar dimuka 14.481 2,15 7.984 Prepaid expenses
Pajak dibayar dimuka 23.718 2,22a - Prepaid tax
Aset pajak tangguhan - neto 29.985 2,22d 32.717 Deferred tax assets - net
Aset tetap dan Fixed assets and
aset hak guna - neto 238.163 2,16 121.058 right of use assets - net
Aset lain-lain - neto 2,17,36 Other assets - net
Pihak berelasi 4.938 3.540 Related parties
Pihak ketiga 194.724 49.809 Third parties
199.662 53.349
TOTAL ASET 24.436.734 24.384.580 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 22.836 2,18 28.436 Liabilities due immediately
Simpanan dari nasabah 2,19, Deposits from customers
Pihak berelasi 3.499.944 36 5.200.509 Related parties
Pihak ketiga 16.627.272 14.115.400 Third parties
20.127.216 19.315.909
Simpanan dari bank lain 405.408 2,20 966.590 Deposits from other banks
Efek-efek yang Securities sold under
dijual dengan janji dibeli kembali - 2,21 239.027 repurchase agreements
Liabilitas akseptasi 60.343 2,12 93.108 Acceptance payables
Liabilitas derivatif 1.127 2,14 90 Derivative payables
Utang pajak 23.904 2,22b 25.924 Taxes payable
Liabilitas imbalan kerja 27.451 2,23 21.661 Employee benefit liabilities
Utang bunga 24,36 Interest payables
Pihak berelasi 2.555 2.821 Related parties
Pihak ketiga 43.076 38.657 Third parties
45.631 41.478
Liabilitas lain-lain 109.844 25,36 96.199 Other liabilities
TOTAL LIABILITAS 20.823.760 20.828.422 TOTAL LIABILITIES
*) Setelah Reklasifikasi (Catatan 46) *) After Reclassification (Note 46)
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan ini. integral part of these financial statements.
2
Page 405
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2024 (continued)
(Disajikan dalam jutaan Rupiah, As of December 31, 2024
kecuali dinyatakan lain) (Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ 31 Desember/
December 31, Catatan/ December 31,
2024 Notes 2023
EKUITAS EQUITY
Modal saham - nilai nominal Capital stock - par value of
Rp100 per saham Rp100 per share
Modal dasar - Authorized -
20.000.000.000 saham 20,000,000,000 shares
pada tanggal 31 Desember 2024 as of December 31, 2024
dan 2023 and 2023
Modal ditempatkan dan disetor Issued and fully paid -
penuh - 6.134.716.665 saham 6,134,716,665 shares
pada tanggal 31 Desember 2024 as of December 31, 2024
dan 2023 613.472 26 613.472 and 2023
Tambahan modal disetor 2.482.288 27 2.482.288 Additional paid-in capital
Saldo laba Retained earnings
Telah ditentukan penggunaannya 106.570 28 64.995 Appropriated
Belum ditentukan penggunaannya 433.650 392.562 Unappropriated
(Kerugian) keuntungan neto Net unrealized (loss) gain
yang belum direalisasi dari from (decrease) increase in
(penurunan) kenaikan nilai wajar fair value of and allowance for
dan cadangan kerugian penurunan nilai impairment losses on securities
efek-efek yang diklasifikasikan classified as fair value
sebagai nilai wajar melalui through other
penghasilan komprehensif lain - neto (23.006) 8 2.841 comprehensive income - net
EKUITAS 3.612.974 3.556.158 EQUITY
TOTAL LIABILITAS TOTAL LIABILITIES
DAN EKUITAS 24.436.734 24.384.580 AND EQUITY
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan ini. integral part of these financial statements.
3
Page 406
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS
KOMPREHENSIF LAIN AND OTHER COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2024
31 Desember 2024 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2024 Notes 2023
PENDAPATAN (BEBAN) BUNGA INTEREST INCOME (EXPENSE)
Pendapatan bunga 1.889.119 2,29,36 1.726.605 Interest income
Beban bunga (1.176.059) 2,30,36 (1.016.631) Interest expense
Pendapatan bunga - neto 713.060 709.974 Interest income - net
PENDAPATAN OPERASIONAL
LAINNYA OTHER OPERATING INCOME
Keuntungan atas penjualan Gain on sale of marketable
efek-efek yang diklasifikasikan securities classified as
sebagai nilai wajar melalui fair value through other
penghasilan komprehensif lain comprehensive income and
dan nilai wajar melalui laba rugi - neto 11.681 2 24.667 fair value through profit or loss - net
Pendapatan jasa cash pick up 6.053 8.950 Fees of cash pick up services
Keuntungan yang
belum direalisasi atas Unrealized gain from the
perubahan nilai wajar changes in fair value of marketable
efek-efek yang diklasifikasikan securities classified as fair value
nilai wajar melalui laba rugi - neto 3.022 2 7.315 through profit or loss - net
Provisi dan komisi selain Fees and commissions
dari pemberian kredit 11.943 2 6.163 other than loans
Pendapatan administrasi 8.248 5.795 Administration income
Penerimaan kembali
kredit yang telah dihapusbuku 421 2 1.178 Recoveries from loan written-off
Keuntungan penjualan aset tetap 229 2,16 22 Gain on sale of fixed assets
Lain-lain 6.489 5.147 Others
TOTAL PENDAPATAN OPERASIONAL TOTAL OTHER OPERATING
LAINNYA 48.086 59.237 INCOME
BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
Beban tenaga kerja (277.127) 32 (219.809) Personnel expenses
Penyisihan kerugian penurunan nilai (188.899) 2,31 (117.937) Provision for impairment losses
General and administrative
Beban umum dan administrasi (173.831) 33 (150.748) expenses
Lain-lain (13.826) 33 (13.186) Others
TOTAL BEBAN OPERASIONAL TOTAL OTHER OPERATING
LAINNYA (653.683) (501.680) EXPENSES
LABA SEBELUM INCOME BEFORE
BEBAN PAJAK 107.463 267.531 TAX EXPENSE
BEBAN PAJAK - NETO (25.615) 2,22b,22e (59.655) TAX EXPENSE - NET
LABA BERSIH TAHUN BERJALAN 81.848 207.876 NET INCOME FOR THE YEAR
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan ini. integral part of these financial statements.
4
Page 407
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2024
31 Desember 2024 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2024 Notes 2023
LABA BERSIH NET INCOME
TAHUN BERJALAN 81.848 207.876 FOR THE YEAR
Penghasilan (beban) Other comprehensive income
komprehensif lain (loss)
Pos-pos yang tidak akan Item that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
Pengukuran kembali Remeasurement of
liabilitas imbalan kerja 1.045 2,23 (1.403) employee benefit liabilities
Pajak penghasilan terkait (230) 2,22d 309 Related income tax
815 (1.094)
Pos-pos yang akan direklasifikasi Item that may be reclassified
ke laba rugi: to profit or loss:
(Kerugian) keuntungan yang belum Unrealized (loss) gain on
direalisasi atas perubahan nilai wajar changes in fair value of
efek-efek yang diklasifikasikan marketable securities
sebagai nilai wajar melalui classified as fair value through
penghasilan komprehensif lain (33.136) 2,8 64.117 other comprehensive income
Cadangan kerugian penurunan nilai Allowance for impairment losses
atas efek-efek yang diklasifikasikan on marketable securities
sebagai nilai wajar melalui classified as fair value through
penghasilan komprehensif lain 3 2,8 11.273 other comprehensive income
Pajak penghasilan terkait 7.286 2,22d (14.102) Related income tax
(25.847) 61.288
(Rugi) laba komprehensif lainnya Other comprehensive (loss) gain
- setelah pajak (25.032) 60.194 - net of tax
TOTAL PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF INCOME
TAHUN BERJALAN 56.816 268.070 FOR THE YEAR
LABA PER SAHAM EARNINGS PER SHARE
Dasar (nilai penuh) 13,34 2,34 33,89 Basic (full amount)
Dilusian (nilai penuh) 13,34 2,34 33,89 Diluted (full amount)
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan ini. integral part of these financial statements.
5
Page 408
The original financial statements included herein are in the Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2024
31 Desember 2024 (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
(Kerugian)
keuntungan
neto yang belum
direalisasi dari
(penurunan) kenaikan
nilai wajar dan
cadangan kerugian
penurunan nilai
efek-efek yang
diklasifikasikan
sebagai nilai wajar
melalui penghasilan
komprehensif lain
- neto/
Net unrealized
(loss) gain from
(decrease) increase
in fair value of and
allowance for
Modal Saham Saldo Laba/Retained Earnings impairment losses on
Ditempatkan dan securities classified
Disetor Penuh/ Tambahan Dana Setoran Telah Belum as fair value
Issued and Fully Modal Disetor/ Modal/ Ditentukan Ditentukan through other Total
Catatan/ Paid Capital Additional Capital Deposit Penggunaannya/ Penggunaannya/ comprehensive ekuitas/
Notes Stock Paid-in Capital Fund Appropriated Unappropriated income - net Equity
SALDO TANGGAL BALANCE AS OF
31 Desember 2023 613.472 2.482.288 - 64.995 392.562 2.841 3.556.158 DECEMBER 31, 2023
Penghasilan komprehensif lain - neto 8,23 - - - - 815 (25.847 ) (25.032) Other comprehensive income - net
Pembentukan cadangan umum 28 - - - 41.575 (41.575) - - General reserve provision
Laba bersih tahun berjalan - - - - 81.848 - 81.848 Net income for the year
SALDO TANGGAL BALANCE AS OF
31 Desember 2024 613.472 2.482.288 - 106.570 433.650 (23.006 ) 3.612.974 DECEMBER 31, 2024
Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes to the financial statements form an integral part of these financial
laporan keuangan ini. statements.
6
Page 409
The original financial statements included herein are in the Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN PERUBAHAN EKUITAS (lanjutan) STATEMENT OF CHANGES IN EQUITY (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2024
31 Desember 2024 (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
(Kerugian)
keuntungan
neto yang belum
direalisasi dari
(penurunan) kenaikan
nilai wajar dan
cadangan kerugian
penurunan nilai
efek-efek yang
diklasifikasikan
sebagai nilai wajar
melalui penghasilan
komprehensif lain
- neto/
Net unrealized
(loss) gain from
(decrease) increase
in fair value of and
allowance for
Modal Saham Saldo Laba/Retained Earnings impairment losses on
Ditempatkan dan securities classified
Disetor Penuh/ Tambahan Dana Setoran Telah Belum as fair value
Issued and Fully Modal Disetor/ Modal/ Ditentukan Ditentukan through other Total
Catatan/ Paid Capital Additional Capital Deposit Penggunaannya/ Penggunaannya/ comprehensive ekuitas/
Notes Stock Paid-in Capital Fund Appropriated Unappropriated income - net Equity
SALDO TANGGAL BALANCE AS OF
31 Desember 2022 593.710 1.707.342 794.708 33.586 217.189 (58.447 ) 3.288.088 DECEMBER 31, 2023
Penambahan modal 26,27 19.762 774.946 (794.708) - - - - Additional capital
Penghasilan komprehensif lain - neto 8,23 - - - - (1.094) 61.288 60.194 Other comprehensive income - net
Pembentukan cadangan umum 28 - - - 31.409 (31.409) - - General reserve provision
Laba bersih tahun berjalan - - - - 207.876 - 207.876 Net income for the year
SALDO TANGGAL BALANCE AS OF
31 Desember 2023 613.472 2.482.288 - 64.995 392.562 2.841 3.556.158 DECEMBER 31, 2023
Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes to the financial statements form an integral part of these financial
laporan keuangan ini. statements.
7
Page 410
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2024
31 Desember 2024 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2024 Notes 2023*)
ARUS KAS DARI CASH FLOWS FROM OPERATING
AKTIVITAS OPERASI ACTIVITIES
Interest income, fees
Penerimaan bunga, provisi dan komisi 1.846.172 1.962.198 and commission
Pendapatan operasional lainnya 44.835 51.900 Other operating income
Pembayaran bunga (1.167.404) (992.666) Payments of interest
Pembayaran beban Payments of other
operasional lainnya (187.657) (108.975) operating expense
Pembayaran beban tenaga kerja (248.279) (192.653) Payments of personnel expense
Pembayaran pajak penghasilan (41.026) (66.867) Payment of income tax
Arus kas sebelum perubahan Cash flows before changes in
dalam aset dan liabilitas operasi 246.641 652.937 operating asset and liabilities
Perubahan dalam aset Changes in operating
dan liabilitas operasi assets and liabilities
(Kenaikan) penurunan (Increase) decrease
aset operasi: in operating assets:
Efek-efek yang diklasifikasikan Marketable securities
sebagai nilai wajar melalui classified as fair value
laba rugi (40.592) 34.114 through profit or loss
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 1.901.305 (1.282.215) under resale agreements
Kredit yang diberikan (685.407) (2.933.757) Loans
Tagihan akseptasi 32.765 20.310 Acceptance receivables
Tagihan transaksi perdagangan (169.325) 61.478 Receivables from trade transactions
Tagihan derivatif 897 (688) Derivative receivables
Beban dibayar dimuka (6.497) 1.010 Prepaid expenses
Aset lain-lain (146.295) (887) Other assets
(Penurunan) kenaikan (Decrease) increase
liabilitas operasi: in operating liabilities:
Liabilitas segera (5.600) 3.749 Liabilities due immediately
Simpanan dari nasabah 811.307 3.853.084 Deposits from customers
Simpanan dari bank lain (561.182) 364.972 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali (238.877) (666.385) repurchase agreements
Liabilitas akseptasi (32.765) (20.310) Acceptance payables
Liabilitas derivatif 1.037 (788) Derivative payable
Utang pajak (539) 8.479 Taxes payable
Liabilitas lain-lain 28.087 (22.295) Other liabilities
Arus kas neto diperoleh dari Net cash provided by
aktivitas operasi 1.134.960 72.808 operating activities
*) Setelah Reklasifikasi (Catatan 46) *) After Reclassification (Note 46)
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan ini. integral part of these financial statements.
8
Page 411
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN ARUS KAS (lanjutan) STATEMENT OF CASH FLOWS (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2024
31 Desember 2024 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2024 Notes 2023*)
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM INVESTING
INVESTASI ACTIVITIES
Perolehan efek-efek
yang diklasifikasikan sebagai Acquisition of marketable securities
nilai wajar melalui penghasilan classified as fair value through
komprehensif lain dan biaya other comprehensive income
perolehan diamortisasi (5.005.988) (1.596.099) and amortized cost
Perolehan aset tetap (106.453) 15 (33.647) Acquisition of fixed assets
Penerimaan atas penjualan aset tetap 324 15 22 Proceeds from sale of fixed assets
Perolehan aset hak guna (25.784) (21.863) Acquisition of rights of use assets
Penerimaan efek-efek yang Proceeds from matured
telah jatuh tempo 2.537.642 668.000 marketable securities
Penerimaan dari penjualan Proceeds from sale of
efek-efek yang diklasifikasikan marketable securities classified as
sebagai nilai wajar melalui fair value through other
penghasilan komprehensif lain 326.084 1.450.650 comprehensive income
Arus kas neto (digunakan untuk) Net cash (used in) provided by
diperoleh dari aktivitas investasi (2.274.175) 467.063 investing activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM FINANCING
PENDANAAN ACTIVITIES
Pembayaran liabilitas sewa (26.918) (24.823) Payment of lease liabilities
Arus kas neto digunakan untuk Net cash used in
aktivitas pendanaan (26.918) (24.823) financing activities
NET (DECREASE) INCREASE IN
(PENURUNAN) KENAIKAN NETO CASH AND
KAS DAN SETARA KAS (1.166.133) 515.048 CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
AWAL TAHUN 5.023.630 4.508.582 AT BEGINNING OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
AKHIR TAHUN 3.857.497 5.023.630 AT END OF YEAR
Cash and cash
Kas dan setara kas terdiri dari: equivalents consist of:
Kas 138.875 4 71.563 Cash
Giro pada Current accounts
Bank Indonesia 1.203.006 5 1.600.005 with Bank Indonesia
Giro pada bank lain 166.363 6 178.900 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 2.349.253 7 3.173.162 and other banks
Total 3.857.497 5.023.630 Total
*) Setelah Reklasifikasi (Catatan 46) *) After Reclassification (Note 46)
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari laporan keuangan ini. integral part of these financial statements.
9
Page 412
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM 1. GENERAL
a. Pendirian Bank a. Establishment of the Bank
PT Bank Ina Perdana Tbk (“Bank”) didirikan di PT Bank Ina Perdana Tbk (the “Bank”) was
Jakarta pada tanggal 9 Februari 1990 established based on Notarial deed No. 32
berdasarkan Akta No. 32 tanggal 9 Februari dated February 9, 1990 of Winnie Hadiprodjo,
1990 dibuat di hadapan Winnie Hadiprodjo, S.H., subtitute notary of Kartini Muljadi S.H.,
S.H., notaris pengganti dari Kartini Muljadi S.H., notary in Jakarta, as amended by the
notaris di Jakarta, yang kemudian diubah Amendment Deed of Establishment No. 79
berdasarkan Akta Perubahan Akta Pendirian dated May 22, 1990 of Kartini Muljadi S.H.,
No. 79, tanggal 22 Mei 1990, dibuat di hadapan notary in Jakarta, which approved the change
Kartini Muljadi, S.H., notaris di Jakarta, yang in the name of the Bank from PT Bank Ina to
menyetujui perubahan nama Bank dari PT Bank PT Bank Ina Perdana. The Bank’s deeds of
Ina menjadi PT Bank Ina Perdana. Akta establishment was approved by the Ministry of
pendirian Bank tersebut telah mendapatkan Laws and Human Rights of the Republic of
pengesahan dari Kementerian Hukum dan Hak Indonesia) in its Decision Letter No. C2-3639
Asasi Manusia Republik Indonesia berdasarkan HT.01.01.Th.90 dated June 23, 1990 and was
Surat Keputusan No. C2-3639 HT.01.01.Th.90, published in the State Gazzette of the Republic
tanggal 23 Juni 1990 sebagaimana telah of Indonesia No. 84 Supplement No. 4242
diumumkan pada Berita Negara Republik dated October 19, 1990.
Indonesia No. 84 Tambahan No. 4242 tanggal
19 Oktober 1990.
Anggaran Dasar Bank telah mengalami The Bank’s Articles of Association were
beberapa kali perubahan, perubahan terakhir amended several times, the latest amendment
berdasarkan Akta No. 22 tanggal 14 Juni 2023 was by Notarial deed No. 22 dated June 14,
dari Edward Suharjo Wiryomartani, S.H., M.Kn 2023 of Edward Suharjo Wiryomartani, S.H.,
notaris di Jakarta, mengenai penyesuaian M.Kn notary in Jakarta, regarding the
maksud dan tujuan serta kegiatan usaha Bank adjustment of the intention and objectives as
sesuai dengan Klasifikasi Baku Lapangan well as the Bank’s business activities in
Usaha Indonesia Tahun 2020. Perubahan accordance with the 2020 Indonesian Standard
Anggaran Dasar tersebut telah dicatat di Classification of Business Fields. The changes
Kementerian Hukum dan Hak Asasi Manusia of Articles of Association were recorded by the
Republik Indonesia dengan surat keputusan Ministry of Laws and Human Rights of the
No. AHU-0111267.AH.01.11 tahun 2023 Republic of Indonesia in its decision letter No.
tanggal 15 Juni 2023. AHU-0111267.AH.01.11 year 2023 dated June
15, 2023.
Sesuai dengan Pasal 3 Anggaran Dasar Bank, According to Article 3 of the Bank’s Articles of
ruang lingkup kegiatan Bank adalah melakukan Association, the Bank’s scope of activities is to
usaha di bidang perbankan sesuai dengan engage in general banking services in
undang-undang dan peraturan perundang- accordance with prevailing laws and
undangan yang berlaku. regulations.
Bank telah memperoleh izin usaha untuk The Bank was granted with the licensed to
beroperasi sebagai bank umum dari Menteri operate as a general bank from the Ministry of
Keuangan Republik Indonesia dengan Surat Finance of Republic Indonesia through
Keputusan No. 524/KMK.013/1991 tanggal the decision letter No. 524/KMK.013/1991
3 Juni 1991, selanjutnya Bank melakukan dated June 3, 1991 and subsequently started
operasi komersial pada bulan Juli 1991. commercial operations in July 1991.
10
Page 413
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Bank (lanjutan) a. Establishment of the Bank (continued)
Bank memperoleh izin usaha sebagai bank The Bank obtained business license as a
devisa sesuai Keputusan Anggota Dewan foreign exchange bank in accordance with the
Komisioner Otoritas Jasa Keuangan No. KEP- Decree of the Members of the Board of
87/D.03/2020 tanggal 16 Juli 2020. Commissioners of the Financial Services
Authority No. KEP-87/D.03/2020 dated July 16,
2020.
Bank Memperoleh izin usaha sebagai bank The Bank obtained business license as a
kustodian sesuai Keputusan Anggota Dewan custodian bank in accordance with the Decree
Komisioner Otoritas Jasa Keuangan No. KEP- of the Members of the Board of Commissioners
56/PM/.02/2024 tanggal 15 November 2024. of the Financial Services Authority No. KEP-
56/.02/2024 dated November 15, 2024.
Bank berkantor pusat di Gedung Ariobimo The Bank’s Head Office is located in Ariobimo
Sentral, Jalan H. R. Rasuna Said Blok X-2 Sentral Building, Jalan H. R. Rasuna Said Blok
Kav 5, Jakarta. Pada tanggal-tanggal 31 X-2 Kav 5, Jakarta. As of December 31, 2024
Desember 2024 dan 2023, Bank memiliki and 2023, the Bank has office network with the
jaringan kantor dengan rincian sebagai berikut: following details:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Kantor Pusat 1 1 Head office
Kantor Cabang 20 15 Branches
Kantor Cabang Pembantu 31 29 Supporting branches
Anjungan Tunai Mandiri (ATM) 72 65 Automatic Teller Machines (ATM)
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, The
Pemegang saham pengendali (PSP) adalah Bank’s controlling shareholders are PT Indolife
PT Indolife Pensiontama dengan Pemegang Pensiontama with the ultimate shareholder is
saham akhir adalah Anthoni Salim sesuai surat Anthoni Salim, in accordance with Financial
Otoritas Jasa Keuangan (OJK) Services Authority (OJK) letter
No. S-14/PB.311/2020 tanggal 18 Maret 2020. No. S-14/PB.311/2020 dated March 18, 2020.
b. Penawaran Umum Saham Perdana di Bursa b. Initial Public Offering on Indonesia Stock
Efek Indonesia Exchange
Pada tanggal 31 Desember 2013, Bank As of December 31, 2013, the Bank obtained
memperoleh pernyataan efektif dari OJK effective approval from OJK through the letter
melalui surat No. S-484/D.04/2013 untuk No. S-484/D.04/2013 for initial public offering of
penawaran umum perdana atas 520.000.000 520,000,000 shares of the Bank at par value of
lembar saham Bank dengan nilai nominal Rp100 (full amount) per share with the offering
Rp100 (Rupiah penuh) per saham pada harga price of Rp240 (full amount) per share.
penawaran Rp240 (Rupiah penuh) per saham. The Bank shares has been listed on Indonesia
Saham-saham Bank telah tercatat di Bursa Stock Exchange on January 16, 2014.
Efek Indonesia pada tanggal 16 Januari 2014.
11
Page 414
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Saham Perdana di Bursa b. Initial Public Offering on Indonesia Stock
Efek Indonesia (lanjutan) Exchange (continued)
Pada tanggal 24 Juni 2016, Bank melakukan On June 24, 2016, the Bank made a Limited
Penawaran Umum Terbatas I dalam rangka Public Offering I with pre-emptive rights to the
penerbitan Hak Memesan Efek Terlebih Dahulu Bank’s shareholders amounting to 625,000,000
(“HMETD”) kepada para pemegang saham (six hundred and twenty five million) common
Bank sejumlah 625.000.000 (enam ratus dua registered shares with a nominal value of Rp100
puluh lima juta) lembar saham biasa atas nama (full amount) per share with the offering price of
dengan nominal Rp100 (Rupiah penuh) per Rp240 (full amount) per share after obtaining
lembar saham pada harga penawaran Rp240 approval from the Chief Executive of Financial
(Rupiah penuh) per saham setelah mendapat Services Authority in his letter No. S-
Surat Pemberitahuan Efektifnya Pernyataan 322/D.04/2016.
Pendaftaran dari Kepala Eksekutif Otoritas Jasa
Keuangan No. S-322/D.04/2016.
Pada tanggal 26 Januari 2017, Bank melakukan On January 26, 2017, the Bank made a Limited
Penawaran Umum Terbatas II dalam rangka Public Offering II with pre-emptive rights to
penerbitan Hak Memesan Efek Terlebih Dahulu the Bank’s shareholders amounting to
(“HMETD”) kepada para pemegang saham 2,929,375,000 (two billion nine hundred twenty
Bank sejumlah 2.929.375.000 (dua milyar nine million three hundred seventy five
sembilan ratus dua puluh sembilan juta tiga thousand) common registered shares with a
ratus tujuh puluh lima ribu) lembar saham biasa nominal value of Rp100 (full amount) per share
atas nama dengan nominal Rp100 (Rupiah with the offering price of Rp240 (full amount) per
penuh) per lembar saham pada harga share after obtaining approval from
penawaran Rp240 (Rupiah penuh) per saham the Chief Executive of Financial Services
setelah mendapat Surat Pemberitahuan Authority in his letter No. S-50/D.04/2017.
Efektifnya Pernyataan Pendaftaran dari
Kepala Eksekutif Otoritas Jasa Keuangan
No. S-50/D.04/2017.
Pada tanggal 19 November 2021, Bank On November 19, 2021, the Bank made a
melakukan Penawaran Umum Terbatas III Limited Public Offering III with pre-emptive
dalam rangka penerbitan Hak Memesan Efek rights to the Bank’s shareholders amounting to
Terlebih Dahulu (“HMETD”) kepada para 282,718,750 (two hundred eighty two million
pemegang saham Bank sejumlah 282.718.750 seven hundred eighteen thousand seven
(dua ratus delapan puluh dua juta tujuh ratus hundred fifty) common registered shares with a
delapan belas ribu tujuh ratus lima puluh) nominal value of Rp100 (full amount) per share
lembar saham biasa atas nama dengan nominal with the offering price of Rp240 (full amount)
Rp100 (Rupiah penuh) per lembar saham pada per share after obtaining approval from
harga penawaran Rp240 (Rupiah penuh) per the Chief Executive of Financial Services
saham setelah mendapat Surat Pemberitahuan Authority in his letter No. S-209/D.04/2021.
Efektifnya Pernyataan Pendaftaran dari Kepala
Eksekutif Otoritas Jasa Keuangan
No. S-209/D.04/2021.
Pada tanggal 30 November 2022, Bank On November 30, 2022, the Bank made a
melakukan Penawaran Umum Terbatas IV Limited Public Offering IV with pre-emptive
dalam rangka penerbitan Hak Memesan Efek rights to the Bank’s shareholders amounting to
Terlebih Dahulu (“HMETD”) kepada para 197,622,915 (one hundred ninety seven million
pemegang saham Bank sejumlah 197.622.915 six hundred twenty two thousand nine hundred
(seratus sembilan puluh tujuh juta enam ratus fifteen) common registered shares with a
dua puluh dua ribu sembilan ratus lima belas) nominal value of Rp100 (full amount) per share
lembar saham biasa atas nama dengan nominal with the offering price of Rp4,050 (full amount)
Rp100 (Rupiah penuh) per lembar saham pada per share after obtaining approval from
harga penawaran Rp4.050 (Rupiah penuh) per the Chief Executive of Financial Services
saham setelah mendapat Surat Pemberitahuan Authority in his letter No. S-251/D.04/2022.
Efektifnya Pernyataan Pendaftaran dari Kepala
Eksekutif Otoritas Jasa Keuangan No. S-
251/D.04/2022.
12
Page 415
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Saham Perdana di Bursa b. Initial Public Offering on Indonesia Stock
Efek Indonesia (lanjutan) Exchange (continued)
Berikut adalah kronologis pencatatan saham The chronological overview of the Bank’s
Bank pada bursa efek di Indonesia sejak issued shares on the stock exchanges in
Penawaran Umum Perdana: Indonesia since the Initial Public Offering was
as follows:
Jumlah Saham/
Number of Shares
Penawaran Umum Perdana
di tahun 2013 2.079.000.000 Shares from Initial Public Offering in 2013
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) I 618.750.000 Pre-emptive Rights (Rights Issue) I
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) II 2.956.625.000 Pre-emptive Rights (Rights Issue) II
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) III 282.718.750 Pre-emptive Rights (Rights Issue) III
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) IV 197.622.915 Pre-emptive Rights (Rights Issue) IV
Total 6.134.716.665 Total
Pada tanggal 31 Desember 2024, sebesar As of December 31, 2024, 100% shares or
100% atau sebanyak 6.134.716.665 saham 6,134,716,665 shares have been listed in
Bank telah tercatat di Bursa Efek Indonesia. Indonesia Stock Exchange.
c. Dewan Komisaris, Direksi dan Karyawan c. Boards of Commissioners and Directors and
Employees
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the
2023 susunan Dewan Komisaris dan Direksi composition of the Bank’s Boards of
Bank adalah sebagai berikut: Commissioners and Directors are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Dewan Komisaris Board of Commissioners
Komisaris Utama Independen Inawaty Handojo Inawaty Handojo Independent President Commissioner
Komisaris Independen Yohanes S. Wibowo Yohanes S. Wibowo Independent Commissioner
Komisaris Josavia R. Ichwan Josavia R. Ichwan Commissioner
Dewan Direksi Board of Directors
Direktur Utama Henry Koenaifi Henry Koenaifi President Director
Wakil Direktur Utama Yulius Purnama Junaedi Yulius Purnama Junaedi Vice President Director
Direktur Kiung Hui Ngo Kiung Hui Ngo Director
Direktur Adhiputra Tanoyo Adhiputra Tanoyo Director
Direktur Yandhy Ramadhani Yandhy Ramadhani Director
Direktur Dewi Kurniawati Projohartono*) - Director
*) diangkat berdasarkan hasil keputusan RUPS Luar *) has been appointed based on the decision of the
Biasa Perseroan tanggal 15 Maret 2024 dan telah Extraordinary General Meeting of Shareholders dated
mendapat persetujuan efektif OJK pada tanggal March 15, 2024 and has obtained effective approval
6 Mei 2024. form OJK on May 6, 2024.
13
Page 416
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Dewan Komisaris, Direksi dan Karyawan c. Boards of Commissioners and Directors and
(lanjutan) Employees (continued)
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
susunan keanggotaan komite-komite yang composition of the committees of the Bank are
dimiliki Bank adalah sebagai berikut: as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Komite Audit Audit Committee
Ketua Yohanes S. Wibowo Inawaty Handojo Chairman
Anggota Drs.Dinan Sufendi Rae, SH.,MH Ivan P. Sanoesi Member
Anggota Antonius Suryanta SEAk, MM.QIA Jacobus S. Adisuwono Member
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Ketua Inawaty Handoyo Inawaty Handoyo Chairman
Anggota Yohanes S. Wibowo Yohanes S. Wibowo Member
Anggota Josavia R. Ichwan Josavia R. Ichwan Member
Anggota Liza L. Widyasari Liza L. Widyasari Member
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Inawaty Handoyo Yohanes S. Wibowo Chairman
Anggota Ivan P. Sanoesi Ivan P. Sanoesi Member
Anggota Jacobus S. Adisuwono Jacobus S. Adisuwono Member
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the Bank’s
Sekretaris Perusahaan adalah Felix Suranta Corporate Secretary is Felix Suranta Tarigan.
Tarigan.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the Bank’s
Ketua Internal Audit Bank adalah Thomas Alfa Internal Audit Head is Thomas Alfa Edison and
Edison dan Usep Hanafiah Dahlan. Usep Hanafiah Dahlan.
Personel manajemen kunci Bank terdiri dari Bank’s key management consist of
Komisaris dan Direksi. Commissioners and Directors.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the Bank
jumlah karyawan tetap Bank masing-masing has 570 and 461 permanent employees,
sebanyak 570 dan 461 karyawan (tidak diaudit). respectively (unaudited).
14
Page 417
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL POLICY INFORMATION
Kebijakan akuntansi material yang diterapkan The material accounting policies adopted in
dalam penyusunan laporan keuangan Bank adalah preparing the financial statements of the Bank are
seperti dijabarkan di bawah ini: set out below:
a. Dasar Penyajian Laporan Keuangan a. Basis of Preparation of the Financial
Statements
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan Bank telah disusun dan The financial statements of the Bank have been
disajikan sesuai dengan Standar Akuntansi prepared and presented in accordance with
Keuangan (PSAK) di Indonesia yang Indonesian Financial Accounting Standards
dikeluarkan oleh Dewan Standar Akuntansi (PSAK) issued by the Financial Accounting
Keuangan-Ikatan Akuntan Indonesia (DSAK- Standards Board of the Indonesian Institute of
IAI) dan peraturan Otoritas Jasa Keuangan Accountants (DSAK-IAI) and Financial Service
(“OJK”) No. VIII.G.7, yang merupakan Lampiran Authority (“OJK”) regulation No. VIII.G.7,
Keputusan Ketua BAPEPAM-LK No. KEP- Appendix of the Decree of the Chairman of
347/BL/2012 tanggal 25 Juni 2012 tentang the BAPEPAM-LK No. KEP-347/BL/2012 dated
“Penyajian dan Pengungkapan Laporan June 25, 2012 regarding “Financial Statements
Keuangan Emiten atau Perusahaan Publik”. Presentation and Disclosure of the Issuer or
Public Company”.
Laporan keuangan disusun berdasarkan The financial statements have been prepared
prinsip biaya historis dan berdasarkan konsep on historical cost basis and under accrual basis
akuntansi akrual. of accounting.
Laporan arus kas menyajikan perubahan dalam The statement of cash flows presents
kas dan setara kas dari aktivitas operasi, the changes in cash and cash equivalents from
investasi dan pendanaan. Laporan arus kas operating, investing, and financing activities.
disusun dengan metode langsung yang The statement of cash flows is prepared using
dimodifikasi. Untuk tujuan laporan arus kas, kas modified direct method. For the purpose of the
dan setara kas meliputi kas, giro pada Bank statement of cash flows, cash and cash
Indonesia, giro pada bank lain dan penempatan equivalents consist of cash, current accounts
pada Bank Indonesia dan bank lain, sepanjang with Bank Indonesia, current accounts with
tidak digunakan sebagai jaminan atas pinjaman other banks and placements with Bank
yang diterima serta tidak dibatasi Indonesia and other banks, as long as they are
penggunaannya. not being pledged as collateral for borrowings
nor restricted.
Mata uang fungsional dan penyajian yang The functional and presentation currency used
digunakan dalam laporan keuangan adalah in the financial statements is the Indonesian
mata uang Rupiah (Rp). Rupiah (Rp).
Kebijakan akuntansi yang diterapkan dalam The accounting policies adopted in
penyusunan laporan keuangan untuk tanggal the preparation of the December 31, 2024
31 Desember 2024 adalah konsisten dengan financial statements are consistent with those of
kebijakan akuntansi pada tahun sebelumnya. the previous financial year.
15
Page 418
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
b. Penjabaran Mata Uang Asing b. Foreign Currency Transactions
Transaksi dalam mata uang asing dijabarkan ke Transactions in foreign currencies are
dalam mata uang fungsional menggunakan translated to functional currency at
kurs pada tanggal transaksi. Laba atau rugi the exchange rates prevailing at the time of
selisih kurs yang timbul dari penyelesaian the transaction. The resulting gain or losses
transaksi dan dari penjabaran pada kurs akhir from settlement of transactions and
tahun atas aset dan liabilitas moneter dalam the translation on foreign exchange of monetary
mata uang asing diakui dalam laba rugi. assets and liabilities for the year ended are
recognized in the profit or los.
Berikut ini adalah nilai tukar mata uang asing The exchange rates used for translation as of
utama yang digunakan untuk penjabaran pada December 31, 2024 and 2023 using the Reuters
tanggal-tanggal 31 Desember 2024 dan 2023 spot rate (at 16.00 Western Indonesia Time) are
yang menggunakan kurs spot Reuters (pukul as follows (amounts in full Rupiah):
16.00 Waktu Indonesia Barat) sebagai berikut
(dalam Rupiah penuh):
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pound Sterling Inggris 20.218,54 19.626,56 Great Britain Pound Sterling
Euro Eropa 16.758,12 17.038,32 European 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 Hong Kong 2.073,11 1.970,73 Hong Kong Dollar
Yen Jepang 103,03 108,88 Japanese Yen
Renminbi China 2.204,99 2.170,06 Chinese Renminbi
c. Transaksi dengan Pihak Berelasi c. Transactions with Related Parties
Bank melakukan transaksi dengan pihak The Bank enter into transactions with parties
berelasi. Definisi pihak berelasi yang digunakan which are defined as related parties in
adalah sesuai dengan PSAK No. 224 mengenai accordance to PSAK No.224 regarding
“Pengungkapan pihak-pihak berelasi”. Suatu “Related party disclosures”. A party is
pihak dianggap pihak berelasi dengan Bank considered a related party of Bank if:
jika:
(a) orang atau anggota keluarga dekatnya (a) a person or a close member of that person’s
mempunyai relasi dengan entitas pelapor family is related to a reporting entity if that
jika orang tersebut: person:
(i) memiliki pengendalian atau (i) has control or joint control of
pengendalian bersama atas entitas the reporting entity;
pelapor;
(ii) memiliki pengaruh signifikan atas (ii) has significant influence over
entitas pelapor; atau the reporting entity; or
(iii) merupakan personil manajemen kunci (iii) is a member of the key management
entitas pelapor atau entitas induk dari personnel of the reporting entity or of
entitas pelapor. a parent of the reporting entity.
16
Page 419
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
c. Transaksi dengan Pihak Berelasi (lanjutan) c. Transactions with Related Parties (continued)
(b) suatu entitas berelasi dengan entitas (b) an entity is related to a reporting entity if any of
pelapor jika memenuhi salah satu hal the following conditions applies:
berikut :
(i) entitas dan entitas pelapor adalah (i) the entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary
anak, dan entitas anak berikutnya and fellow subsidiary is related to
saling berelasi dengan entitas the others);
lainnya);
(ii) satu entitas adalah entitas asosiasi (ii) one entity is an associate or joint
atau ventura bersama dari entitas lain venture of the other entity (or an
(atau entitas asosiasi atau ventura associate or joint venture of a member
bersama yang merupakan anggota of a company of which the other entity
suatu kelompok usaha, yang mana is a member);
entitas lain tersebut adalah
anggotanya);
(iii) kedua entitas tersebut adalah ventura (iii) both entities are joint ventures of
bersama dari pihak ketiga yang sama; the same third party;
(iv) satu entitas adalah ventura bersama (iv) one entity is a joint venture of a third
dari entitas ketiga dan entitas yang entity and the other entity is an
lain adalah entitas asosiasi dari associate of the third entity;
entitas ketiga;
(v) entitas tersebut adalah suatu program (v) the entity is a post-employment benefit
imbalan pascakerja untuk imbalan plan for the benefit of employees of
kerja dari salah satu entitas pelapor either the reporting entity or an entity
atau entitas yang terkait dengan related to the reporting entity. If the
entitas pelapor. Jika entitas pelapor reporting entity is itself such a plan, the
adalah entitas yang sponsoring employers are also related
menyelenggarakan program tersebut, to the reporting entity;
maka entitas sponsor juga berelasi
dengan entitas pelapor;
(vi) entitas yang dikendalikan atau (vi) the entity is controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in (a);
yang diidentifikasi dalam huruf (a);
(vii) orang yang diidentifikasi dalam huruf (vii) a person identified in (a)(i) has
(a)(i) memiliki pengaruh signifikan significant influence over the entity or
atas entitas atau merupakan personil is a member of the key management
manajemen kunci entitas (atau entitas personnel of the entity (or of a parent
induk dari entitas); of the entity;
Transaksi ini dilakukan berdasarkan The transaction is made on terms agreed by
persyaratan yang disetujui oleh kedua belah both parties, where such terms may not be
pihak, dimana persyaratan tersebut mungkin the same as other transactions undertaken
tidak sama dengan transaksi lain yang with unrelated parties.
dilakukan dengan pihak-pihak yang tidak
berelasi.
Seluruh transaksi dan saldo yang material All material transactions and balances with
dengan pihak-pihak berelasi diungkapkan the related parties are disclosed Note 36.
Catatan 36.
17
Page 420
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan d. Financial Assets and Liabilities
Aset keuangan Bank terdiri dari kas, giro pada The Bank’s financial assets consist of cash,
Bank Indonesia, giro pada bank lain, current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank accounts with other banks, placements with
lain, efek-efek, efek-efek yang dibeli dengan Bank Indonesia and other banks, marketable
janji dijual kembali, kredit yang diberikan, securities, securities purchased under resale
piutang bunga, tagihan akseptasi, tagihan agreements, loans, interest receivable,
derivatif, tagihan transaksi perdagangan dan acceptance receivables, derivative receivables,
aset lain-lain (seperti tagihan anjak piutang, receivables from trade transactions and other
setoran jaminan, tagihan transaksi ATM dan assets (e.g. factoring receivables, security
lain-lain). deposits, ATM transactions receivable and
others).
Liabilitas keuangan Bank terdiri dari liabilitas The Bank’s financial liabilities consist of
segera, simpanan dari nasabah, simpanan dari liabilities due immediately, deposits from
bank lain, efek-efek yang dijual dengan janji customers, deposits from other banks,
dibeli kembali, utang bunga, liabilitas akseptasi, securities sold under repurchase agreements,
liabilitas derivatif dan liabilitas lain-lain. interest payables, acceptance payable,
derivative payables and other liabilities.
(i) Klasifikasi (i) Classification
Untuk menentukan kategori dan To determine the category and
klasifikasi, Bank menilai seluruh aset classification, the Bank assesses all
keuangan berdasarkan kombinasi dari financial assets based on a combination of
model bisnis pengelolaan aset dan the asset management business model
karakteristik arus kas kontraktual and the contractual cash flow
instrumen terkait. Berikut klasifikasi aset characteristics of the related instruments.
keuangan pada saat pengakuan awal: The following is the classification of
financial assets at initial recognition:
aset keuangan yang diukur pada biaya financial assets measured at
perolehan diamortisasi; amortized cost;
aset keuangan yang diukur pada nilai financial assets measured at fair value
wajar melalui penghasilan through other comprehensive income;
komprehensif lain;
aset keuangan yang diukur pada nilai financial assets measured at fair value
wajar melalui laba rugi. through profit or loss.
Aset keuangan diukur pada biaya Financial assets are measured at
perolehan diamortisasi jika memenuhi amortized cost if the following conditions
kondisi sebagai berikut: are met:
aset keuangan dikelola dalam model financial assets are managed in a
bisnis yang bertujuan untuk memiliki business model that aims to hold
aset keuangan dalam rangka financial assets in order to generate
mendapatkan arus kas kontraktual; contractual cash flows; and
dan
persyaratan kontraktual dari aset the contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights at a specific date
pada tanggal tertentu atas arus kas to cash flows derived solely from the
yang diperoleh semata dari principal and interest payments on the
pembayaran pokok dan bunga dari outstanding amount.
jumlah pokok terutang.
18
Page 421
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Aset keuangan diukur pada nilai wajar Financial assets are measured at fair
melalui penghasilan komprehensif lain jika value through other comprehensive
memenuhi kondisi sebagai berikut: income if the following conditions are met:
aset keuangan dikelola dalam model financial assets are managed in a
bisnis yang bertujuan untuk business model that aims to collect
mendapatkan arus kas kontraktual dan contractual cash flows and sell
menjual aset keuangan; dan financial assets; and
persyaratan kontraktual dari aset the contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights at a specific date
pada tanggal tertentu atas arus kas to cash flows derived solely from the
yang diperoleh semata dari principal and interest payments on the
pembayaran pokok dan bunga dari outstanding amount.
jumlah pokok terutang.
Aset keuangan lainnya yang tidak Other financial assets that do not qualify for
memenuhi persyaratan untuk the classification as measured at
diklasifikasikan sebagai diukur pada biaya amortized cost or fair value through other
perolehan diamortisasi atau nilai wajar comprehensive income are classified as
melalui penghasilan komprehensif lain, measured at fair value through profit or
diklasifikasikan sebagai diukur pada nilai loss.
wajar melalui laba rugi.
Saat pengakuan awal, Bank dapat On initial recognition, the Bank may make
membuat penetapan yang tidak dapat an irrevocable determination to measure
dibatalkan untuk mengukur aset yang assets that meet the requirements to be
memenuhi persyaratan untuk diukur pada measured at amortized cost or fair value
biaya perolehan diamortisasi atau nilai through other comprehensive income at
wajar melalui penghasilan komprehensif fair value through profit or loss, if that
lain pada nilai wajar melalui laba rugi, designation eliminates or significantly
apabila penetapan tersebut mengeliminasi reduces measurement or recognition
atau secara signifikan mengurangi inconsistencies (sometimes referred to as
inkonsistensi pengukuran atau pengakuan “accounting mismatch”).
(kadang disebut sebagai “accounting
mismatch”).
Penilaian model bisnis Business model assessment
Model bisnis ditentukan pada level yang The business model is defined at a level
mencerminkan bagaimana kelompok aset that reflects how groups of financial assets
keuangan dikelola bersama-sama untuk are managed together to achieve specific
mencapai tujuan bisnis tertentu. business objectives.
Penilaian model bisnis dilakukan dengan The business model assessment is carried
mempertimbangkan, tetapi tidak terbatas out by considering, but not limited to, the
pada, hal-hal berikut: following:
bagaimana kinerja dari model bisnis how the performance of the business
dan aset keuangan yang dimiliki dalam model and financial assets held in the
model bisnis dievaluasi dan dilaporkan business model are evaluated and
kepada personel manajemen kunci reported to key management
Bank; personnel of the Bank;
19
Page 422
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
Penilaian model bisnis dilakukan dengan The business model assessment is carried
mempertimbangkan, tetapi tidak terbatas out by considering, but not limited to, the
pada, hal-hal berikut: (lanjutan) following: (continued)
apakah risiko yang mempengaruhi what are the risks that affect the
kinerja dari model bisnis (termasuk performance of the business model
aset keuangan yang dimiliki oleh (including financial assets owned by
model bisnis) dan khususnya the business model) and specifically
bagaimana cara aset keuangan how those financial assets are
tersebut dikelola; dan managed; and
bagaimana penilaian kinerja pengelola how the manager of the financial asset
aset keuangan (sebagai contoh, is evaluated (for example, whether the
apakah penilaian kinerja berdasarkan assessment of performance is based
nilai wajar dari aset yang dikelola atau on the fair value of the assets
arus kas kontraktual yang diperoleh). managed or the contractual cash
flows obtained).
Penilaian mengenai arus kas kontraktual Assessment of the contractual cash flows
yang diperoleh semata dari pembayaran derived solely from payments of principal
pokok dan bunga and interest
Untuk tujuan penilaian ini, pokok For the purposes of this valuation, principal
didefinisikan sebagai nilai wajar dari aset is defined as the fair value of the financial
keuangan pada saat pengakuan awal. asset at initial recognition. Interest is
Bunga didefinisikan sebagai imbalan defined as the consideration for the time
untuk nilai waktu atas uang dan risiko value of money and credit risk related to
kredit terkait jumlah pokok terutang pada the principal amount owed in a particular
periode waktu tertentu dan juga risiko dan period of time as well as risks and standard
biaya peminjaman standar, dan juga borrowing costs, as well as profit margin.
marjin laba.
Penilaian mengenai arus kas kontraktual The assessment of contractual cash flows
yang diperoleh semata dari pembayaran derived solely from payments of principal
pokok dan bunga dilakukan dengan and interest is made by considering
mempertimbangkan persyaratan contractual terms, including whether the
kontraktual, termasuk apakah aset financial asset contains contractual terms
keuangan mengandung persyaratan that change the timing or amount of
kontraktual yang dapat mengubah waktu contractual cash flows. In conducting the
atau jumlah arus kas kontraktual. Dalam assessment, the Bank considers:
melakukan penilaian, Bank
mempertimbangkan:
peristiwa kontinjensi yang akan contingent events that will change the
mengubah waktu atau jumlah arus kas timing or amount of contractual cash
kontraktual; flows;
fitur leverage; leverage features;
persyaratan pembayaran dimuka dan prepayment terms and contractual
perpanjangan kontraktual; extensions;
persyaratan mengenai klaim yang requirements regarding claims that
terbatas atas arus kas yang berasal are limited on cash flows from specific
dari aset spesifik; dan assets; and
fitur yang dapat mengubah nilai waktu a feature that can change the time
dari elemen uang. value of the money element.
20
Page 423
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Bank mengklasifikasikan liabilitas The Bank classifies its financial liabilities in
keuangan dalam kategori pada saat the following categories at initial
pengakuan awal: recognition:
liabilitas keuangan yang diukur pada financial liabilities measured at fair
nilai wajar melalui laba rugi; value through profit or loss;
liabilitas keuangan yang diukur dengan financial liabilities measured at
biaya perolehan diamortisasi. amortized cost.
Liabilitas keuangan yang diukur pada nilai Financial liabilities measured at fair value
wajar melalui laba rugi terdiri dari dua sub- through profit or loss consist of two sub-
kategori: liabilitas keuangan categories: financial liabilities classified as
diklasifikasikan sebagai diperdagangkan trading and financial liabilities that at initial
dan liabilitas keuangan yang pada saat recognition have been designated by the
pengakuan awal telah ditetapkan oleh Bank to be measured at fair value through
Bank untuk diukur pada nilai wajar melalui profit or loss.
laba rugi.
Liabilitas keuangan diklasifikasikan Financial liability is classified as trading if it
sebagai diperdagangkan jika diperoleh is acquired primarily for the purpose of
terutama untuk tujuan dibeli kembali repurchasing in the near term or if it is part
dalam waktu dekat atau jika merupakan of a certain jointly managed portfolio of
bagian dari portofolio instrumen keuangan financial instruments and there is evidence
tertentu yang dikelola bersama dan of a recent short-term profit taking pattern.
terdapat bukti mengenai pola ambil untung
dalam jangka pendek yang terkini.
Bank mengklasifikasikan seluruh liabilitas The Bank classifies all financial liabilities
keuangan setelah pengakuan awal diukur after initial recognition at amortized cost,
pada biaya perolehan diamortisasi, except:
kecuali:
liabilitas keuangan yang diukur pada financial liabilities measured at fair
nilai wajar melalui laba rugi; value through profit or loss;
liabilitas keuangan yang timbul ketika financial liabilities that arise when a
pengalihan aset keuangan tidak transfer of a financial asset does not
memenuhi syarat penghentian qualify for derecognition or when the
pengakuan atau ketika pendekatan continuing involvement approach is
keterlibatan berkelanjutan diterapkan; applied;
kontrak jaminan keuangan; financial guarantee contracts;
komitmen untuk menyediakan kredit commitment to providing credit at
dengan suku bunga di bawah pasar; below market interest rates; or
atau
imbalan kontinjensi yang diakui oleh contingent consideration recognized
pihak pengakuisisi dalam kombinasi by the acquirer in the business
bisnis. combination.
21
Page 424
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(ii) Pengakuan awal (ii) Initial recognition
a. Pembelian atau penjualan aset a. Purchase or sale of financial assets
keuangan yang memerlukan that requires delivery of assets within
penyerahan aset dalam kurun waktu a time frame established by regulation
yang telah ditetapkan oleh peraturan or convention in the market (regular
dan kebiasaan yang berlaku di pasar purchases) is recognized on the
(pembelian secara reguler) diakui settlement date.
pada tanggal penyelesaian.
b. Aset keuangan dan liabilitas keuangan b. Financial assets and financial
pada awalnya diukur pada nilai liabilities are initially recognized at fair
wajarnya. Dalam hal aset keuangan value. For those financial assets or
atau liabilitas keuangan tidak financial liabilities not classified as at
diklasifikasikan sebagai nilai wajar fair value through profit or loss, the fair
melalui laba rugi, nilai wajar tersebut value is added/deducted with directly
ditambah/dikurang biaya transaksi attributable transaction costs.
yang dapat diatribusikan secara The subsequent measurement of
langsung. Pengukuran aset keuangan financial assets and financial liabilities
dan liabilitas keuangan setelah depends on their classification.
pengakuan awal tergantung pada
klasifikasinya.
Bank, pada pengakuan awal, dapat The Bank, upon initial recognition,
menetapkan aset keuangan dan may designate certain financial assets
liabilitas keuangan tertentu sebagai and liabilities at fair value through
nilai wajar melalui laba rugi (opsi nilai profit or loss (fair value option).
wajar). Selanjutnya, penetapan ini Subsequently, this designation cannot
tidak dapat diubah. be changed.
Opsi nilai wajar dapat digunakan hanya bila The fair value option is only applied when
memenuhi ketetapan sebagai berikut: the following conditions are met:
penetapan sebagai opsi nilai wajar the application of the fair value option
mengurangi atau mengeliminasi reduces or eliminates an accounting
ketidakkonsistenan pengukuran dan mismatch that would otherwise arise;
pengakuan (accounting mismatch) or
yang dapat timbul; atau
aset keuangan dan liabilitas keuangan the financial assets and liabilities are
merupakan bagian dari portofolio part of a portfolio of financial
instrumen keuangan yang risikonya instruments, the risks of which are
dikelola dan dilaporkan kepada managed and reported to key
manajemen kunci berdasarkan nilai management on a fair value basis; or
wajar; atau
aset keuangan dan liabilitas keuangan the financial assets and liabilities
terdiri dari kontrak utama dan derivatif consist of a host contract and an
melekat yang harus dipisahkan. embedded derivative that must be
bifurcated.
22
Page 425
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent measurement
Aset keuangan dalam kelompok yang Financial assets at fair value through other
diukur pada nilai wajar melalui penghasilan comprehensive income are measured at
komprehensif lain diukur pada nilai fair value and changes in fair value are
wajarnya dan perubahan atas nilai wajar recorded in other comprehensive income.
tersebut dicatat pada penghasilan Financial assets and financial liabilities at
komprehensif lain. Aset keuangan dan fair value through profit or loss are
liabilitas keuangan yang diukur pada nilai measured at fair value and changes are
wajar melalui laba rugi diukur pada nilai recognized in profit or loss.
wajarnya dan perubahan diakui pada laba
rugi.
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities at
yang diukur pada biaya perolehan amortized cost are measured at amortized
diamortisasi diukur pada biaya perolehan cost using the effective interest rate.
diamortisasi dengan menggunakan suku
bunga efektif.
(iv) Penghentian pengakuan (iv) Derecognition
Bank menghentikan pengakuan aset The Bank derecognizes a financial asset
keuangan pada saat hak kontraktual atas when the contractual rights to the cash
arus kas yang berasal dari aset keuangan flows from the financial assets expire, or
tersebut kadaluwarsa, atau Bank when it transfers the rights to receive the
mentransfer seluruh hak untuk menerima contractual cash flows on the financial
arus kas kontraktual dari aset keuangan assets in a transaction in which
dalam transaksi dimana Bank secara substantially all the risks and rewards of
substansial telah mentransfer seluruh ownership of the financial assets are
risiko dan manfaat atas kepemilikan aset transferred. Any interest or liabilities in
keuangan yang ditransfer. Setiap hak atau transferred financial assets that is created
liabilitas atas aset keuangan yang or retained by the Bank is recognized as a
ditransfer yang timbul atau yang masih separate assets or liability in the statement
dimiliki oleh Bank diakui sebagai aset atau of financial position.
liabilitas secara terpisah.
Bank dapat melakukan transaksi dimana The Bank may enter into transactions
Bank mentransfer aset yang diakui di whereby it transfers assets recognized on
laporan posisi keuangan, tetapi masih its statement of financial position, but
memiliki semua risiko dan manfaat atas retains either all or substantially risks and
aset yang ditransfer atau bagian darinya. rewards of the transferred assets or a
Jika seluruh atau secara substansi semua portion of them. If all or substantially all
risiko dan manfaat masih dimiliki, maka risks and rewards are retained, transferred
aset yang ditransfer tidak dihentikan assets are not derecognized from the
pengakuannya dari laporan posisi statement of financial position.
keuangan.
Pada saat dijual ke pihak ketiga dengan When assets are sold to a third party with
pertukaran tingkat pengembalian a concurrent total rate of return swap on
secara bersamaan dari aset yang the transferred assets, the transaction is
ditransfer, transaksi dianggap sebagai accounted for as a secured financing
transaksi keuangan yang dijamin serupa transaction similar to repurchase
dengan transaksi dengan janji akan dibeli transaction as the Bank retains all or
kembali ketika Bank mempertahankan substantially all the risk and rewards of
seluruh atau sebagian risiko dan manfaat ownership of such assets.
dari kepemilikan aset tersebut.
23
Page 426
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(iv) Penghentian pengakuan (lanjutan) (iv) Derecognition (continued)
Dalam transaksi dimana Bank secara In transactions in which the Bank neither
substansial tidak memiliki atau tidak retains nor transfers substantially all
mentransfer seluruh risiko dan manfaat the risks and rewards of ownership of a
atas kepemilikan aset keuangan, Bank financial assets, the Bank derecognizes
menghentikan pengakuan aset tersebut the assets if it does not retain control over
jika Bank tidak lagi memiliki pengendalian the assets.
atas aset tersebut.
Hak dan kewajiban yang timbul atau yang The rights and obligations retained in
masih dimiliki dalam transfer tersebut the transfer are recognized separately as
diakui secara terpisah sebagai aset atau assets and liabilities as appropriate. In
liabilitas yang sesuai. Dalam transfer transfers in which control over the asset is
dimana pengendalian atas aset masih retained, the Bank continues to recognize
dimiliki, Bank tetap mengakui aset yang the asset to the extent of its continuing
ditransfer tersebut sebesar keterlibatan involvement, determined by the extent to
berkelanjutan, dimana tingkat which it is exposed to changes in the value
keberlanjutan Bank dan aset yang of transferred assets.
ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
Bank melepaskan aset keuangan, seperti Bank disposes of financial assets, such as
kredit yang diberikan, ketika syarat dan loans, when the terms and conditions have
kondisi telah direnegosiasi hingga secara been substantially renegotiated, the loans
substansial, kredit yang diberikan tersebut become new, with the difference being
menjadi baru, dengan perbedaan akan recorded as gain or loss on disposal, if the
dicatat sebagai keuntungan atau kerugian impairment loss has not been recorded.
dari pelepasan, jika kerugian penurunan Such loans will be classified as stage 1 for
nilai belum dicatat. Kredit yang diberikan the assessment of expected credit loss
tersebut akan diklasifikasikan sebagai (ECL), unless the loans are considered
stage 1 untuk penilaian kerugian kredit Purchased or originated credit-impaired
ekspektasian (ECL), kecuali kredit yang financial assets (POCI).
diberikan tersebut dianggap aset
keuangan yang dibeli atau yang berasal
dari aset keuangan memburuk (Purchased
or originated credit-impaired financial
assets - POCI).
Jika modifikasi tidak akan menghasilkan If the modification will not result in
arus kas yang secara substansi berbeda, substantially different cash flows, the
maka modifikasi tidak akan berujung pada modification will not result in a disposal of
pelepasan aset. Berdasarkan perbedaan the asset. Based on the difference in cash
arus kas yang didiskonto pada suku bunga flows discounted at the original effective
efektif awal, Bank akan mencatat interest rate, the Bank will record the gain
keuntungan atau kerugian akibat or loss as a result of the modification, until
modifikasi, sampai dengan jumlah kerugian the amount of the impairment loss has not
penurunan nilai belum diakui. been recognized.
Bank menghentikan pengakuan liabilitas The Bank derecognizes a financial
keuangan pada saat liabilitas yang liabilities when its contractual obligations
ditetapkan dalam kontrak dilepaskan atau are discharged, cancelled or has expired.
dibatalkan atau kadaluarsa.
24
Page 427
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(iv) Penghentian pengakuan (lanjutan) (iv) Derecognition (continued)
Bank menghapusbukukan saldo kredit The Bank writes off a loan and investment
yang diberikan dan efek utang untuk tujuan debt security balance, and any related
investasi, dan cadangan kerugian allowance for impairment losses, when
penurunan nilai terkait, pada saat Bank the Bank determines that the loan or
menentukan bahwa kredit atau efek-efek security is uncollectible. This determination
tersebut tidak dapat ditagih. Keputusan ini is reached after considering information
diambil setelah mempertimbangkan such as the occurrence of
informasi seperti telah terjadinya significant changes in the borrower's/
perubahan signifikan pada posisi issuer’s financial position such that the
keuangan debitur/penerbit sehingga borrower/issuer can no longer pay the
debitur/penerbit tidak lagi dapat melunasi obligation, or that proceeds from collateral
kewajibannya, atau hasil penjualan agunan will not be sufficient to pay back the entire
tidak akan cukup untuk melunasi seluruh exposure.
ekposur kredit yang diberikan.
(v) Pengakuan pendapatan dan beban (v) Income and expense recognition
Pendapatan dan beban bunga, untuk Interest income and expenses, for
aset yang diukur pada nilai wajar assets measured at fair value through
melalui penghasilan komprehensif lain other comprehensive income and
serta aset keuangan dan liabilitas financial assets and financial liabilities
keuangan yang dicatat berdasarkan carried at amortized cost, are
biaya perolehan diamortisasi, diakui recognized in the statement of profit or
pada laporan laba rugi dan loss and other comprehensive income
penghasilan komprehensif lain dengan using the effective interest rate.
menggunakan suku bunga efektif.
Keuntungan dan kerugian yang timbul Gains and losses arising from changes
dari perubahan nilai wajar aset in fair value of financial assets and
keuangan dan liabilitas keuangan yang financial liabilities at fair value through
diukur pada nilai wajar melalui laba profit or loss are recognized in the
rugi, diakui pada laporan laba rugi dan statement of profit or loss and other
penghasilan komprehensif lain. comprehensive income.
Keuntungan dan kerugian yang timbul Gains and losses arising from changes
dari perubahan nilai wajar dan lainnya in fair value and other financial assets
atas aset keuangan yang classified as fair value through other
diklasifikasikan dalam kelompok nilai comprehensive income are
wajar melalui penghasilan recognized directly in equity, except
komprehensif lain diakui secara for gains or losses resulting from
langsung dalam ekuitas, kecuali changes in exchange rates of
keuntungan atau kerugian akibat monetary items, derecognition or
perubahan nilai tukar dari ítem impairment of monetary items of these
moneter, dihentikan pengakuannya financial assets.
atau adanya penurunan nilai dari aset
keuangan tersebut.
(vi) Reklasifikasi aset keuangan (vi) Reclassification of financial assets
Reklasifikasi aset keuangan diperbolehkan Reclassification of financial assets is
jika dan hanya jika terjadi perubahan dalam permissible when and only when there is
model bisnis untuk mengelola aset change in business model for managing
keuangan. financial assets.
25
Page 428
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(vi) Reklasifikasi aset keuangan (lanjutan) (vi) Reclassification of financial assets
(continued)
Jika Bank mereklasifikasi aset keuangan If the Bank reclassifies financial assets in
sesuai dengan ketentuan di atas, Bank accordance with the above conditions, the
menerapkan reklasifikasi secara prospektif Bank applies prospective reclassification
dari tanggal reklasifikasi. Bank tidak from the date of reclassification. The Bank
menyajikan kembali keuntungan, kerugian does not restate gains, losses (including
(termasuk keuntungan atau kerugian impairment gains or losses), or previously
penurunan nilai), atau bunga yang diakui recognized interest.
sebelumnya.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
biaya perolehan yang diamortisasi ke classification of amortized cost to fair value
klasifikasi nilai wajar melalui laba rugi through profit or loss are recorded at their
dicatat sebesar nilai wajarnya. Selisih fair value. The difference between the
antara nilai tercatat dengan nilai wajar carrying value and fair value is recognized
diakui sebagai keuntungan atau kerugian as a gain or loss in the statement of profit
pada laporan laba rugi dan penghasilan or loss and other comprehensive income.
komprehensif lain.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
biaya perolehan yang diamortisasi ke classification of amortized cost to fair value
klasifikasi nilai wajar melalui penghasilan through other comprehensive income are
komprehensif lain dicatat sebesar nilai recorded at their fair value.
wajar.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan classification of fair value through other
komprehensif lain ke klasifikasi nilai wajar comprehensive income to fair value
melalui laba rugi dicatat sebesar nilai wajar. through profit or loss are recorded at their
Keuntungan atau kerugian yang belum fair value. Unrealized gains or losses are
direalisasi direklasifikasi ke laba rugi. reclassified to profit or loss.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan classification of fair value through other
komprehensif lain ke klasifikasi biaya comprehensive income to amortized cost
perolehan yang diamortisasi dicatat are recorded at their carrying value.
sebesar nilai tercatat. Keuntungan atau Unrealized gains or losses is removed from
kerugian yang belum direalisasi dihapus equity and is adjusted against the fair
dari ekuitas dan disesuaikan terhadap nilai value.
wajar.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi classification of fair value through profit or
nilai wajar melalui penghasilan loss to fair value through other
komprehensif lain dicatat pada nilai wajar. comprehensive income are recorded at
their fair value.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi classification of fair value through profit or
biaya perolehan diamortisasi dicatat pada loss to amortized cost are recorded at their
nilai wajar. fair value.
26
Page 429
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(vii) Saling hapus (vii) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities are
saling hapus dan nilai netonya dilaporkan offset and the net amount is reported in
di laporan posisi keuangan jika, dan hanya the statement of financial position if, and
jika, saat ini terdapat hak yang only if, there is currently an enforceable
berkekuatan hukum untuk saling hapus legal rights to offset the recognized
jumlah keduanya dan terdapat intensi amounts and there is an intention to settle
untuk diselesaikan secara neto, atau untuk on a net basis, or to realize the assets and
merealisasikan aset dan menyelesaikan settle the liabilities simultaneously.
liabilitas secara bersamaan. Hak yang Enforceable right means:
berkekuatan hukum berarti:
a. tidak terdapat kontinjensi di masa a. there are no contingencies in
yang akan datang; dan the future; and
b. hak yang berkekuatan hukum pada b. enforceable right to the following
kondisi-kondisi berikut ini; conditions;
i. kegiatan bisinis normal; i. deploying normal activities;
ii. kondisi kegagalan usaha; dan ii. conditions of business failures; and
iii. kondisi gagal bayar atau bangkrut iii. conditions of default or bankruptcy
Pendapatan dan beban disajikan dalam Income and expenses are presented on a
jumlah neto hanya jika diperkenankan oleh net basis only when permitted by
standar akuntansi. the accounting standards.
(viii) Pengukuran biaya perolehan diamortisasi (viii) Amortized cost measurement
Biaya perolehan diamortisasi dari aset The amortized cost of a financial asset or
keuangan atau liabilitas keuangan adalah liability is the amount at which the financial
jumlah aset keuangan atau liabilitas asset or liability is measured at initial
keuangan yang diukur pada saat recognition, minus principal repayments,
pengakuan awal dikurangi pembayaran plus or minus the cumulative amortization
pokok kredit, ditambah atau dikurangi using the effective interest rate method of
amortisasi kumulatif menggunakan metode any difference between the initial amount
suku bunga efektif yang dihitung dari recognized and the maturity amount,
selisih antara nilai pengakuan awal dan minus any reduction for impairment.
nilai jatuh temponya, dan dikurangi
penurunan nilai.
(ix) Penentuan nilai wajar (ix) Determination of fair value
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be
untuk menjual suatu aset atau harga yang received to sell an asset or paid to transfer
akan dibayar untuk mengalihkan suatu a liability in an orderly transaction between
liabilitas dalam transaksi teratur antara market participants at the measurement
pelaku pasar pada tanggal pengukuran. date. The fair value measurement is based
Pengukuran nilai wajar berdasarkan asumsi on the presumption that the transaction to
bahwa transaksi untuk menjual aset atau sell the asset or transfer the liability takes
mengalihkan liabilitas terjadi di: place either:
pasar utama untuk aset dan liabilitas in the principal market for the asset or
tersebut; atau liability; or
jika terdapat pasar utama, di pasar yang in the absence of the principal market, in
paling menguntungkan untuk aset atau the most advantageous market for
liabilitas tersebut. the asset or liability.
27
Page 430
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(ix) Penentuan nilai wajar (lanjutan) (ix) Determination of fair value (continued)
Bank harus memiliki akses ke pasar utama The principal or the most advantageous
atau pasar yang paling menguntungkan market must be accessible by the bank.
tersebut.
Nilai wajar aset dan liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan digunakan measured using the assumptions that
pelaku pasar ketika menentukan harga aset market participants would use when pricing
atau liabilitas tersebut, dengan asumsi the asset or liability, assuming that market
bahwa pelaku pasar bertindak dalam participants act in their economic best
kepentingan ekonomi terbaiknya. interest.
Bank menggunakan teknik penilaian yang The Bank uses valuation techniques that
sesuai dalam keadaan dan dimana data are appropriate in the circumstance and for
yang memadai tersedia untuk mengukur which sufficient data are available to
nilai wajar, memaksimalkan penggunaan measure fair value, maximizing the use of
input yang tidak dapat diobservasi. relevant observable inputs and minimizing
the use of unobservable inputs.
Semua aset dan liabilitas yang nilai All assets and liabilities for which fair value
wajarnya diukur atau diungkapkan dalam is measured or disclosed in the financial
laporan keuangan dikategorikan dalam statements are categorized within the fair
hirarki nilai wajar, sebagaimana dijelaskan value hierarchy, described as follows,
di bawah ini, berdasarkan tingkatan level based on the lowest level input that is
input yang terendah yang signifikan significant to the fair value measurement as
terhadap pengukuran nilai wajar secara a whole:
keseluruhan:
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 di mana tingkat Level 2 - valuation techniques for which
level input terendah yang signifikan the lowest level input that is significant to
terhadap pengukuran nilai wajar dapat the fair value measurement is directly or
diobservasi baik secara langsung atau indirectly observable.
tidak langsung.
Level 3 - teknik penilaian di mana tingkat Level 3 - valuation techniques for which
level input terendah yang signifikan the lowest level input that is significant to
terhadap pengukuran nilai wajar tidak the fair value measurement is directly or
dapat diobservasi baik secara langsung indirectly unobservable.
atau tidak langsung.
Untuk aset dan liabilitas yang diukur secara For assets and liabilities that are
berulang dalam laporan keuangan, Bank recognized in the financial statements on
menentukan apakah perpindahan antar a recurring basis, the Bank determines
level hirarki telah terjadi dengan melakukan whether transfers have occured between
evaluasi pengelompokan (berdasarkan level levels in hierarchy by re-assesing
input yang terendah yang signifikan categorization (based on the lowest level
terhadap pengukuran nilai wajar secara input that is signifcant to the fair value
menyeluruh) pada setiap akhir periode measurement as a whole) at the end of
pelaporan. each reporting period.
28
Page 431
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
e. Kas dan Setara Kas e. Cash and Cash Equivalents
Kas dan setara kas meliputi kas, giro pada Bank Cash and cash equivalents consist of cash on
Indonesia, giro pada bank lain dan penempatan hand, current account with Bank Indonesia and
pada Bank Indonesia dan bank lain yang jatuh other banks and placements with Bank
tempo dalam waktu tiga bulan atau kurang, Indonesia and other banks with a maturity of
sepanjang tidak digunakan sebagai jaminan three months or less, and are not pledged as
atas pinjaman yang diterima serta tidak dibatasi collateral for borrowings nor restricted.
penggunaannya.
Bank mengklasifikasikan kas dan setara kas Cash and cash equivalents are classified as
sebagai biaya perolehan diamortisasi. amortized cost.
f. Giro Pada Bank Indonesia dan Bank Lain f. Current accounts with Bank Indonesia and
other Banks
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
dinyatakan sebesar biaya perolehan other banks are stated at amortized cost using
diamortisasi menggunakan metode suku the effective interest rate method less
bunga efektif dikurangi cadangan kerugian allowance for impairment losses. Current
penurunan nilai. Giro pada Bank Indonesia accounts with Bank Indonesia and other banks
dan bank lain diklasifikasikan sebagai biaya classified as amortized cost.
perolehan diamortisasi.
g. Penempatan pada Bank Indonesia dan Bank g. Placements with Bank Indonesia and other
lain Banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia consist of
lain terdiri dari Fasilitas Simpanan Bank Bank Indonesia Deposit Facility (FASBI), Term
Indonesia (FASBI), Term Deposit BI dan Call Deposit BI and Call Money.
Money.
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain dinyatakan sebesar biaya perolehan banks are stated at amortized cost using
diamortisasi menggunakan metode suku bunga the effective interest rate method less allowance
efektif dikurangi cadangan kerugian penurunan for impairment losses. Placements with Bank
nilai. Penempatan pada Bank Indonesia dan Indonesia and other bank are classified as
bank lain diklasifikasikan sebagai biaya amortized cost.
perolehan diamortisasi.
h. Efek-efek h. Marketable Securities
Efek-efek yang dimiliki terdiri dari obligasi Marketable securities consist of government
pemerintah, obligasi korporasi, reksadana, bonds, corporate bonds, mutual funds,
Negotiable Certificate Deposit (NCD), Sekuritas Negotiable Certificate Deposit (NCD), Bank
Rupiah Bank Indonesia (“SRBI”) dan Sekuritas Indonesia Rupiah Securities (“SRBI”) and Bank
Valuta Asing Bank Indonesia (“SVBI”). Indonesia Foreign Currency Securities
(“SVBI”).
Efek-efek pada awalnya disajikan sebesar nilai Marketable securities initially are presented at
wajarnya. Setelah pengakuan awal, efek-efek fair value. After initial recognition, securities are
dicatat sesuai dengan kategorinya yaitu biaya recorded according to their categories, namely
perolehan diamortisasi, nilai wajar melalui amortized cost, fair value through other
penghasilan komprehensif lain atau nilai wajar comprehensive income or fair value through
melalui laba rugi. profit or loss.
29
Page 432
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
h. Efek-efek (lanjutan) h. Marketable Securities (continued)
Penilaian efek-efek didasarkan atas The measurement of marketable securities is
klasifikasinya sebagai berikut: based on the classification as follows:
Efek-efek yang diklasifikasikan sebagai biaya Held-to-maturity marketable securities are
perolehan diamortisasi dicatat pada biaya recorded at amortized cost using the effective
perolehan diamortisasi menggunakan suku interest rate
bunga efektif
Efek-efek yang diperdagangkan dinyatakan Trading marketable securities are recorded at
pada nilai wajar. Keuntungan dan kerugian fair value. Gains and losses arising from
yang timbul dari perubahan nilai wajar efek- changes in fair value of marketable securities
efek diakui dalam laporan laba rugi dan are recognized in the statement of profit or
penghasilan komprehensif lain. loss and other comprehensive income.
Efek-efek yang diklasifikasikan sebagai nilai Marketable securities classified as fair value
wajar melalui penghasilan komprehensif lain through other comprehensive income are
dinyatakan pada nilai wajar. Pendapatan recorded at fair value. Interest income is
bunga diakui dalam laporan laba rugi dan recognized in the statement of profit or loss
penghasilan komprehensif lain menggunakan and other comprehensive income using the
metode suku bunga efektif. Perubahan nilai effective interest method. Fair value changes
wajar diakui secara langsung dalam ekuitas are recognized directly in equity until the
sampai dengan efek-efek tersebut dijual atau marketable securities are sold or impaired,
mengalami penurunan nilai, dimana whereby the cumulative gains and losses
keuntungan dan kerugian kumulatif yang previously recognized in equity are
sebelumnya diakui dalam ekuitas harus diakui recognized in the statement of profit or loss
pada laporan laba rugi dan penghasilan and other comprehensive income.
komprehensif lain.
i. Efek-efek yang dibeli dengan janji dijual i. Securities purchased under resale
kembali dan efek-efek yang dijual dengan agreements and securities sold under
janji dibeli kembali repurchase agreements
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
disajikan sebagai aset dalam laporan posisi are presented as asset in the statement of
keuangan sebesar jumlah penjualan kembali financial position, at the resale price net of
dikurangi dengan bunga yang belum unamortized interest and allowance for
diamortisasi dan cadangan kerugian penurunan impaiment losses. The difference between
nilai. Selisih antara harga beli dengan harga jual the purchased price and the resale price Is
kembali diperlakukan sebagai pendapatan treated as unearned interest income, and
bunga yang ditangguhkan, dan diakui sebagai recognized as income over the period starting
pendapatan selama periode sejak efek-efek from the securities are purchased until they are
dibeli hingga dijual menggunakan metode suku sold using effective interest rate method.
bunga efektif.
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
diklasifikasikan sebagai biaya perolehan are classified under amortized cost.
diamortisasi.
30
Page 433
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
i. Efek-efek yang dibeli dengan janji dijual i. Securities purchased under resale
kembali dan efek-efek yang dijual dengan agreements and securities sold under
janji dibeli kembali (lanjutan) repurchase agreements (continued)
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase
disajikan sebagai liabilitas dalam laporan posisi agreements are presented as liabilities in the
keuangan sebesar harga pembelian kembali statement of financial position at the agreed
yang disepakati dikurangi dengan bunga dibayar repurchase price net of the unamortized
dimuka yang belum diamortisasi. Selisih antara prepaid interest. The difference between the
harga jual dan harga beli kembali yang selling price and the agreed repurchase price
disepakati diperlakukan sebagai beban bunga is treated as prepaid interest and recognized
dibayar dimuka dan diakui sebagai beban bunga as interest expense over the period,
selama jangka waktu sejak efek-efek tersebut commencing from the selling date to the
dijual hingga dibeli kembali dengan repurchase date using effective interest rate
menggunakan metode suku bunga efektif. method.
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase
diklasifikasikan sebagai liabilitas keuangan yang agreements are classified as financial
diukur dengan biaya perolehan diamortisasi. liabilities at amortized cost.
j. Kredit yang Diberikan j. Loans
Kredit yang diberikan adalah penyediaan uang Loans represent funds provided or receivables
atau tagihan yang dapat disetarakan dengan that can be considered as equivalent thereof,
itu, berdasarkan persetujuan atau kesepakatan based on agreements with borrowers, where
pinjam-meminjam dengan peminjam, dimana borrowers required to repay their debts with
mewajibkan pihak peminjam untuk melunasi interest after specified periods.
utang berikut bunganya setelah jangka waktu
tertentu.
Kredit yang diberikan pada awalnya diukur Loans are initially measured at fair value plus
pada nilai wajar ditambah dengan biaya transaction costs that are directly attributable
transaksi yang dapat diatribusikan secara and additional costs to obtain the financial
langsung dan biaya tambahan untuk assets. After initial recognition, loans are
memperoleh aset keuangan tersebut. Setelah measured at amortized cost using the effective
pengakuan awal, kredit yang diberikan diukur interest rate method less allowance for
pada biaya perolehan diamortisasi impairment losses.
menggunakan metode suku bunga efektif
dikurangi dengan cadangan kerugian
penurunan nilai.
Kredit yang diberikan diklasifikasikan sebagai Loans are classified as amortized cost.
biaya perolehan diamortisasi.
Jika terdapat pelunasan dipercepat atau If there is early repayment before loan maturity
pelunasan sebelum masa jatuh tempo kredit, date, the loan account along with an allowance
maka akun kredit yang diberikan bersama for impairment losses, if any, will be excluded
dengan akun cadangan kerugian penurunan from the statement of financial position.
nilai, jika ada, akan dikeluarkan dari laporan
posisi keuangan.
31
Page 434
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
j. Kredit yang Diberikan (lanjutan) j. Loans (continued)
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification of
persyaratan kredit, konversi kredit menjadi the terms of the loans, conversion of loans into
saham atau instrumen keuangan lainnya equity or other financial instruments and/or a
dan/atau kombinasi dari keduanya. Kredit yang combination of both. Restructured loans
diberikan direstrukturisasi, ketika adanya granted, when there is an indication of decline
indikasi penurunan kemampuan membayar dan in repayment ability and business conditions
kondisi usaha tetapi masih memiliki prospek but still have a realistic prospect of repayment
yang realistis mengenai pengembalian di masa in the future through business performance.
datang melalui hasil usaha.
Kredit yang direstrukturisasi disajikan sebesar Restructured loans are stated at the lower of
nilai yang lebih rendah antara nilai tercatat carrying value at the date of restructuring or
kredit pada tanggal restrukturisasi atau nilai the cash value of future cash receipts after
tunai penerimaan kas masa depan setelah restructuring. Losses resulting from
restrukturisasi. Kerugian akibat selisih antara the difference between the carrying value at
nilai tercatat kredit pada tanggal restrukturisasi the date of the restructuring and cash value of
dengan nilai tunai penerimaan kas masa depan future cash receipts after restructuring is
setelah restrukturisasi diakui sebagai laba/rugi. recognized as profit/loss. After restructuring, all
Setelah restrukturisasi, semua penerimaan kas future cash receipts which specified by new
masa depan yang ditetapkan dalam terms are recorded as principal repayment and
persyaratan baru dicatat sebagai pengembalian interest income in accordance with
pokok kredit yang diberikan dan pendapatan restructuring terms.
bunga sesuai dengan syarat-syarat
restrukturisasi.
Batasan suatu aset dinyatakan tidak dapat Limit of unrecoverable asset is as follows:
ditagih adalah sebagai berikut:
1. Fasilitas kredit telah mengalami 1. Loan facility has been impaired;
penurunan nilai;
2. Telah dilakukan berbagai upaya 2. Efforts on remedial and recovery has been
penagihan dan pemulihan, namun tidak done, but no result;
berhasil; dan
3. Usaha debitur sudah tidak mempunyai 3. The debtor business no longer has
prospek atau kinerja debitur buruk atau prospects or performance of the debtor is
tidak ada kemampuan membayar dan poor or there is no ability to pay and all
semua jaminan telah direalisasi atau collateral has been realized or has been
sudah diambil alih oleh Bank. taken over by the Bank.
Pengambilalihan agunan akan diakui sebagai Foreclosed collateral will be recognized as
penyelesaian atau pelunasan kredit settlement or repayment of loans based on
berdasarkan kesepakatan debitur dan Bank. the agreement between debtor and Bank.
Bank mengakui cadangan kerugian kredit The Bank recognizes allowance for expected
ekspektasian pada instrumen keuangan yang credit losses on financial instruments that are
tidak diukur pada nilai wajar melalui laba rugi. not measured at fair value through profit or loss.
32
Page 435
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Bank mengukur cadangan kerugian sejumlah The Bank measures the allowance for lifetime
kerugian kredit ekspektasian seumur hidup, expected credit loss, except for the following,
kecuali untuk hal berikut, diukur sejumlah measured at the 12-months expected credit
kerugian kredit ekspektasian 12 bulan: loss:
a. Instrumen utang yang memiliki risiko kredit a. Debt instruments that have a low credit risk
rendah pada tanggal pelaporan; dan at the reporting date; and
b. Instrumen keuangan lainnya yang risiko b. Other financial instruments whose credit
kreditnya tidak meningkat secara signifikan risk has not increased significantly since
sejak pengakuan awal. initial recognition.
Bank menganggap instrumen utang memiliki Bank considers debt instruments to have low
risiko kredit yang rendah ketika peringkat risiko credit risk when their credit risk rating is
kreditnya setara dengan definisi investment equivalent to the globally understood definition
grade yang dipahami secara global. of investment grade.
Kerugian kredit ekspektasian 12 bulan adalah 12-months expected credit loss is the part of
bagian dari kerugian kredit ekspektasian lifetime expected credit loss that represents the
sepanjang umurnya yang merepresentasikan expected credit loss arising from a financial
kerugian kredit ekspektasian yang timbul dari instrument default that may occur within 12-
peristiwa gagal bayar instrumen keuangan yang months after the reporting date.
mungkin terjadi dalam 12 bulan setelah tanggal
pelaporan.
Kerugian yang terjadi diakui pada laporan laba Losses are recognized in the statement of profit
rugi dan penghasilan komprehensif lain dan or loss and other comprehensive income and
dicatat pada akun cadangan kerugian recorded in an allowance for impairment losses
penurunan nilai sebagai pengurang terhadap as a deduction against financial assets
aset keuangan yang dicatat pada biaya recorded at amortized cost. If in the subsequent
perolehan diamortisasi. Jika pada periode period, the amount of the impairment loss
berikutnya, jumlah kerugian penurunan nilai decreases and the deduction can be attributed
berkurang dan pengurangan tersebut dapat objectively to events occurring after the
dikaitkan secara objektif pada peristiwa yang impairment has been recognized (such as an
terjadi setelah penurunan nilai diakui (seperti increase in the credit rating of the debtor or
meningkatnya peringkat kredit debitur atau issuer), the previously recognized impairment
penerbit), maka kerugian penurunan nilai yang loss should be recovered, by adjusting the
sebelumnya diakui harus dipulihkan, dengan allowance account. The recoverable amount of
menyesuaikan akun cadangan. Jumlah financial assets is recognized in the statement
pemulihan aset keuangan diakui pada laporan of profit or loss and other comprehensive
laba rugi dan penghasilan komprehensif lain income in the current period.
pada periode berjalan.
Kerugian kredit ekspektasian untuk instrumen The expected credit loss for debt instruments
utang yang diukur pada nilai wajar tidak measured at fair value does not reduce the
mengurangi nilai tercatat di dalam aset carrying value of the financial asset in the
keuangan di laporan posisi keuangan, yaitu nilai statement of financial position, which is fair
wajar. Kerugian kredit ekspektasian diakui value. Expected credit losses are recognized as
sebagai penambah dari penghasilan an addition to other comprehensive income in
komprehensif lain di dalam laporan posisi the statement of financial position.
keuangan.
33
Page 436
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Penerimaan kembali atas aset keuangan yang Recovery of written-off financial assets is
telah dihapusbukukan pada tahun berjalan credited in the current year by adjusting the
dikreditkan dengan menyesuaikan akun allowance for impairment losses account.
cadangan kerugian penurunan nilai. Recovery of financial assets written off in
Penerimaan kembali atas aset keuangan yang previous years are recorded as other operating
telah dihapusbukukan pada tahun-tahun income.
sebelumnya dicatat sebagai pendapatan
operasional lainnya.
Pengukuran kerugian kredit ekspektasian Measurement of expected credit losses
Kerugian kredit ekspektasian adalah estimasi Expected credit losses are the weighted
probabilitas tertimbang dari kerugian kredit probability estimate of credit losses measured
yang diukur sebagai berikut: as follows:
Aset keuangan yang tidak memburuk pada Financial assets that have not deteriorated at
tanggal pelaporan, kerugian kredit the reporting date, expected credit losses are
ekspektasian diukur sebesar selisih antara measured at the difference between the
nilai kini dari seluruh kekurangan kas (yaitu present value of all cash shortages (ie the
selisih antara arus kas yang terutang kepada difference between cash flows owed to the
Bank sesuai dengan kontrak dan arus kas Bank in accordance with the contract and cash
yang diperkirakan akan diterima oleh Bank); flows that are expected to be received by the
Bank);
Aset keuangan yang memburuk pada tanggal Financial assets that have deteriorated at the
pelaporan, kerugian kredit ekspektasian diukur reporting date, expected credit losses are
sebesar selisih antara jumlah tercatat bruto measured at the difference between the gross
dan nilai kini arus kas masa depan yang carrying amount and the present value of
diestimasi; estimated future cash flows;
Komitmen pinjaman yang belum ditarik, Undrawn loan commitments, expected credit
kerugian kredit ekspektasian diukur sebesar losses are measured as the difference
selisih antara nilai kini jumlah arus kas jika between the present value of total cash flows
komitmen ditarik dan arus kas yang if the commitments are withdrawn and the
diperkirakan akan diterima oleh Bank. cash flows expected to be received by the
Bank.
Aset keuangan yang direstrukturisasi Financial assets restructured
Jika ketentuan aset keuangan dinegosiasikan If the terms of financial assets are renegotiated
ulang atau dimodifikasi atau aset keuangan or modified or existing financial assets are
yang ada diganti dengan yang baru karena replaced with new ones because of the
kesulitan keuangan peminjam, maka dilakukan borrowe’'s financial difficulties, an assessment
penilaian apakah aset keuangan yang ada is made of whether the existing financial assets
harus dihentikan pengakuannya dan kerugian should be derecognized and the expected
kredit ekspektasian diukur sebagai berikut: credit losses are measured as follows:
Jika restrukturisasi tidak mengakibatkan If the restructuring does not result in
penghentian pengakuan aset yang ada, maka derecognition of the existing asset, the
arus kas yang diperkirakan yang timbul dari estimated cash flows arising from the modified
aset keuangan yang dimodifikasi dimasukkan financial asset are included in the calculation
dalam perhitungan kekurangan kas dari aset of the cash deficiency of the existing asset.
yang ada.
34
Page 437
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Aset keuangan yang direstrukturisasi (lanjutan) Financial assets restructured (continued)
Jika restrukturisasi akan menghasilkan If the restructuring will result in derecognition
penghentian pengakuan aset yang ada, maka of an existing asset, the fair value of the new
nilai wajar aset baru diperlakukan sebagai arus asset is treated as the final cash flow of the
kas akhir dari aset keuangan yang ada pada existing financial asset on derecognition. This
saat penghentian pengakuannya. Jumlah ini amount is included in the calculation of the
dimasukkan dalam perhitungan kekurangan cash shortfall of the existing financial asset
kas dari aset keuangan yang ada yang which is discounted from the derecognition
didiskontokan dari tanggal penghentian date to the reporting date using the original
pengakuan ke tanggal pelaporan effective interest rate of the existing financial
menggunakan suku bunga efektif awal dari asset.
aset keuangan yang ada.
Aset keuangan yang memburuk Deteriorating financial assets
Pada setiap tanggal pelaporan, Bank menilai At each reporting date, the Bank assesses
apakah aset keuangan yang dicatat pada biaya whether financial assets recorded at amortized
perolehan diamortisasi dan aset keuangan cost and debt financial assets recorded at fair
instrumen utang yang dicatat pada nilai wajar value through other comprehensive income are
melalui penghasilan komprehensif lain impaired (deteriorated). A financial asset
mengalami penurunan nilai kredit (memburuk). worsens when one or more events that have an
Aset keuangan memburuk ketika satu atau adverse effect on the estimated future cash
lebih peristiwa yang memiliki dampak flows of the financial asset have occurred.
merugikan atas estimasi arus kas masa depan
dari aset keuangan telah terjadi.
Bukti bahwa aset keuangan mengalami Evidence that a financial asset is impaired
penurunan nilai kredit (memburuk) termasuk (deteriorating) includes observable data
data yang dapat diobservasi mengenai regarding the following events:
peristiwa berikut ini:
Kesulitan keuangan signifikan yang dialami Significant financial difficulties experienced
penerbit atau pihak peminjam; by the issuer or borrower;
Pelanggaran kontrak, seperti peristiwa gagal Breaches of contract, such as events of
bayar atau peristiwa tunggakan; default or arrears;
Pihak pemberi pinjaman, untuk alasan The lender, for economic or contractual
ekonomik atau kontraktual sehubungan reasons in connection with the borrowe’'s
dengan kesulitan keuangan yang dialami pihak financial difficulties, has made concessions
peminjam, telah memberikan konsesi pada to the borrower that would not have been
pihak peminjam yang tidak mungkin diberikan possible if the borrower had not experienced
jika pihak peminjam tidak mengalami kesulitan such difficulties;
tersebut;
Terjadi kemungkinan bahwa pihak peminjam There is a possibility that the borrower will
akan dinyatakan pailit atau melakukan enter bankruptcy or other financial
reorganisasi keuangan lainnya; reorganization;
Hilangnya pasar aktif dari aset keuangan The disappearance of an active market for a
akibat kesulitan keuangan; financial asset because of financial
difficulties;
35
Page 438
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Aset keuangan yang memburuk (lanjutan) Deteriorating financial assets (continued)
Bukti bahwa aset keuangan mengalami Evidence that a financial asset is impaired
penurunan nilai kredit (memburuk) termasuk (deteriorating) includes observable data
data yang dapat diobservasi mengenai regarding the following events: (continued)
peristiwa berikut ini: (lanjutan)
Pembelian atau penerbitan aset keuangan Purchasing or issuing financial assets at a
dengan diskon sangat besar yang deep discount that reflects credit losses
mencerminkan kerugian kredit yang terjadi; incurred; or
atau
Sulit untuk mengidentifikasi peristiwa diskrit It is difficult to identify a single discrete event,
tunggal, namun demikian, dampak kombinasi however, the combined effect of several
dari beberapa peristiwa dapat menyebabkan events can cause a financial asset to be
aset keuangan mengalami penurunan nilai impaired on credit.
kredit.
Aset keuangan yang dibeli atau yang berasal Financial assets purchased or originated
dari aset keuangan memburuk (purchased or credit-impaired financial assets - (POCI)
originated credit-impaired financial assets -
POCI)
Aset keuangan dikategorikan sebagai POCI A financial asset is categorized as POCI if there
apabila terdapat bukti objektif penurunan nilai is objective evidence of impairment at initial
pada saat pengakuan awal. Pada saat recognition. At initial recognition, no allowance
pengakuan awal, tidak ada penyisihan kerugian for impairment losses is recognized because
kredit yang diakui karena harga pembelian atau the purchase price or value includes the
nilainya telah termasuk estimasi kerugian kredit estimated lifetime credit losses. Furthermore,
sepanjang umurnya. Selanjutnya, perubahan changes in impairment losses over their
kerugian kredit sepanjang umurnya, apakah lifetime, whether positive or negative, are
positif atau negatif, diakui dalam laporan laba recognized in the statement of profit or loss as
rugi sebagai bagian dari cadangan kerugian part of the allowance for impairment losses.
penurunan nilai.
Berdasarkan proses di atas, Bank melakukan Based on the above process, the Bank divides
pembagian atas aset keuangan atas stage 1, financial assets into stage 1, stage 2, stage 3
stage 2, stage 3 dan POCI, sebagai berikut: and POCI, as follows:
Stage 1: mencakup instrumen keuangan yang Stage 1: includes financial instruments that
tidak memiliki peningkatan risiko kredit secara do not have a significant increase in credit
signifikan sejak pengakuan awal atau memiliki risk since initial recognition or have low credit
risiko kredit rendah pada tanggal pelaporan. risk at the reporting date. For these financial
Untuk instrumen-instrumen keuangan ini, akan instruments, a 12-months ECL calculation
berlaku perhitungan ECL 12 bulan. Aset will apply. Financial assets in stage 1 include
keuangan di dalam stage 1 termasuk fasilitas facilities where credit risk has improved and
dimana risiko kredit telah membaik dan aset financial assets that can be reclassified from
keuangan dapat direklasifikasi dari stage 2. stage 2.
36
Page 439
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Berdasarkan proses di atas, Bank melakukan Based on the above process, the Bank divides
pembagian atas aset keuangan atas stage 1, financial assets into stage 1, stage 2, stage 3
stage 2, stage 3 dan POCI, sebagai berikut: and POCI, as follows: (continued)
(lanjutan)
Stage 2: mencakup instrumen keuangan yang Stage 2: includes financial instruments that
mengalami peningkatan risiko kredit sejak experience an increase in credit risk since
pengakuan awal (kecuali Bank merasa risiko initial recognition (unless the Bank feels
kredit tergolong rendah pada tanggal credit risk is low at the reporting date) but has
pelaporan) namun belum terbukti adanya bukti not been proven to have any objective
penurunan nilai secara objektif. Untuk evidence of impairment. For these
instrumen-instrumen ini, akan berlaku instruments, lifetime ECL calculations will
perhitungan ECL seumur hidup. ECL seumur apply. Lifetime ECL is the expected credit
hidup adalah kerugian kredit ekspektasian loss expected from all default events that
yang diharapkan dari semua kejadian gagal may occur during the estimated life of the
bayar yang mungkin terjadi selama perkiraan financial instrument. Stage 2 also includes
umur dari instrumen keuangan tersebut. Stage facilities where credit risk has improved and
2 juga mencakup fasilitas dimana risiko kredit financial assets have been reclassified from
telah membaik dan aset keuangan telah stage 3.
direklasifikasi dari stage 3.
Stage 3: mencakup instrumen keuangan yang Stage 3: includes financial instruments that
telah terbukti mengalami penurunan nilai have objective evidence of impairment at the
secara objektif pada tanggal pelaporan. reporting date. This group usually consists of
Kelompok ini biasanya terdiri atas debitur yang debtors who have defaulted on their
mengalami gagal bayar. Bank mencatat ECL payments. The Bank records lifetime ECL for
seumur hidup untuk stage 3. stage 3.
POCI: aset POCI adalah aset keuangan yang POCI: POCI assets are financial assets that
mengalami penurunan nilai berdasarkan are impaired based on a credit risk
penilaian risiko kredit pada saat pengakuan assessment on initial recognition. Such
awal. Aset tersebut dicatat pada nilai wajar assets are recorded at fair value on initial
pada saat pengakuan awal, dan pendapatan recognition, and interest income is
bunga akan diakui selanjutnya berdasarkan recognized subsequently using the adjusted
metode suku bunga efektif yang disesuaikan. effective interest rate method. ECL is only
ECL hanya dicatat atau dilepaskan jika ada recorded or released if there are further
perubahan selanjutnya pada kerugian kredit changes to expected credit losses.
ekspektasian.
Penurunan nilai individual Individual impairment
Metode perhitungan penurunan nilai secara The method of calculating individual
individual akan mempertimbangkan beberapa impairment will consider several possible
skenario kemungkinan pengembalian. return scenarios. The scenario is created using
Pembuatan skenario dilakukan dengan the discounted cash flow (DCF) method and
menggunakan metode discounted cash flow considers the conditions of the industry and the
(DCF) dan mempertimbangkan kondisi industri related companies. The ECL generated by
dan perusahaan terkait. ECL yang dihasilkan each scenario will be averaged weighted
oleh masing-masing skenario akan dirata- against the weighted scenario that has been
ratakan secara tertimbang terhadap bobot set.
skenario yang telah diatur.
37
Page 440
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Penurunan nilai kolektif Collective impairment
Evaluasi penurunan nilai secara kolektif The evaluation of collective impairment is
didasarkan pada konsep probability of default based on the concepts of probability of default
(PD), loss given default (LGD), dan exposure at (PD), loss given default (LGD), and exposure
default (EAD) yang mempertimbangkan at default (EAD) which consider past, current
informasi masa lalu, terkini dan masa and future information.
mendatang.
Bank menggunakan model (i) observed default Bank uses the (i) observed default rate and
rate dan (ii) Vasicek maupun pendekatan (ii) Vasicek as well as other approaches in
lainnya dalam menentukan nilai PD dari setiap determining the PD value of each debtor.
debitur.
Bank menggunakan metode (i) historical, Bank uses the method (i) historical,
(ii) movement outstanding dan (iii) recovery rate (ii) movement outstanding and (iii) recovery
dalam menentukan nilai LGD dari setiap debitur. rate in determining the LGD value of each
LGD menggambarkan persentase nominal debtor. LGD describes the nominal percentage
fasilitas yang tidak akan dapat dipulihkan oleh of the facility that the Bank will not be able to
Bank terhadap debitur default. LGD biasa recover from the default debtor. The usual LGD
dihitung dengan 1-recovery rate. Recovery rate is calculated with a 1-recovery rate. The
dihitung dengan mempertimbangkan time value recovery rate is calculated by considering the
of money dari pengembalian kewajiban yang time value of money from the repayment of
telah default. Tingkat suku bunga yang default obligations. The interest rate used to
digunakan untuk menghitung time value of calculate the time value of money from
money dari recovery adalah suku bunga efektif recovery is the initial effective interest rate.
awal.
EAD merupakan estimasi nilai buku pada saat EAD is an estimate of the book value at the
terjadi gagal bayar, dengan mempertimbangkan time of default, considering the cash flows of
arus kas instrumen keuangan terkait, serta the related financial instrument, as well as the
kemungkinan penarikan tambahan dari limit possibility of additional drawdowns from the
kredit sampai dengan tanggal gagal bayar. EAD credit limit up to the date of default. EAD also
juga mempertimbangkan jadwal pembayaran considers payment and amortization
dan amortisasi serta perubahan dalam schedules as well as changes in the use of
penggunaan saldo yang belum ditarik outstanding balances prior to defaults. EAD
menjelang terjadinya kegagalan bayar. modeling will be carried out based on the
Pemodelan EAD akan dilakukan berdasarkan characteristics of the related financial
karakteristik dari instrumen keuangan terkait, instruments, which are divided into several
yang dibagi ke dalam beberapa kategori: categories: (i) installment loans, (ii) revolving
(i) kredit angsuran, (ii) kredit revolving, loans, (iii) treasury.
(iii) treasury.
Pengukuran ECL berdasarkan PSAK No. 109 ECL Measurement based on PSAK No. 109
mewajibkan Bank untuk membuat model ECL requires Banks to create ECL models in
sesuai dengan skenario forward-looking yang accordance with existing forward-looking
ada, dengan mempertimbangkan kemungkinan scenarios, with consideration of good and bad
ekonomi baik dan buruk. Oleh karena itu, nilai economic possibilities. Therefore, the ECL
ECL yang dihasilkan Bank harus berdasarkan value generated by the Bank must be based on
hasil probabilitas dari tiga skenario (normal, baik the probability results of three scenarios
dan buruk). PD akan dihitung menurut tiga (normal, good and bad). PD will be calculated
skenario dengan nilai makro-ekonomi sesuai according to three scenarios with macro-
dengan skenario-skenario tersebut. Bobot economic values according to these scenarios.
masing-masing skenario dapat disesuaikan The weight of each scenarios can be adjusted
seiring dengan perubahan kondisi ekonomi dan according to changes in economic conditions
diskresi Bank. and the Bank's discretion.
38
Page 441
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Penyajian cadangan kerugian kredit Presentation of allowance for expected credit
ekspektasian dalam laporan posisi keuangan loss in the statement of financial position
Cadangan kerugian kredit ekspektasian Allowance for expected credit losses is
disajikan dalam laporan posisi keuangan presented in the statement of financial position
sebagai berikut: as follows:
aset keuangan yang diukur pada biaya financial assets measured at amortized cost,
perolehan diamortisasi, cadangan kerugian the allowance for expected credit losses is
kredit ekspektasian disajikan sebagai presented as a deduction from the gross
pengurang dari jumlah tercatat bruto aset; carrying amount of the assets;
komitmen pinjaman dan kontrak jaminan loan commitments and financial guarantee
keuangan, umumnya cadangan kerugian contracts, generally an allowance for
kredit ekspektasian disajikan sebagai provisi; expected credit losses is presented as a
provision;
instrumen utang yang diukur pada nilai wajar debt instruments measured at fair value
melalui penghasilan komprehensif lain, through other comprehensive income,
cadangan kerugian kredit ekspektasian diakui allowance for expected credit losses is
dalam penghasilan komprehensif lain. recognized in other comprehensive income.
l. Tagihan dan Liabilitas Akseptasi l. Acceptance Receivable and Payable
Tagihan dan liabilitas akseptasi merupakan Acceptance receivables and liabilities are letter
transaksi letter of credit (L/C) yang diaksep oleh of credit (L/C) transactions that are accepted by
bank pengaksep (accepting bank). the accepting bank.
Tagihan dan liabilitas akseptasi dinyatakan Acceptance receivable and payable are stated
sebesar biaya perolehan diamortisasi. Tagihan at amortized cost. Acceptance receivables are
akseptasi disajikan setelah dikurangi cadangan presented net of allowance for impairment
kerugian penurunan nilai. losses.
Tagihan akseptasi diklasifikasikan sebagai Acceptance receivables are classified as
biaya perolehan diamortisasi. Liabilitas amortized cost. Acceptance liabilities are
akseptasi diklasifikasikan sebagai liabilitas classified as financial liabilities at amortized
keuangan yang diukur dengan biaya perolehan cost.
diamortisasi.
m. Tagihan Transaksi Perdagangan m. Receivables from Trade Transactions
Tagihan transaksi perdagangan adalah tagihan Receivables from trade transactions represents
sebagai akibat dari perjanjian pemberian resulting from contracts for trade-related
fasilitas perdagangan kepada debitur yang facilities given to customers, which will be
akan ditagih pada saat jatuh tempo. collected on maturity.
Tagihan transaksi perdagangan diklasifikasikan Receivables from trade transactions classified
sebagai aset keuangan yang diukur dengan as financial assets measured at amortized cost.
biaya perolehan diamortisasi. Tagihan Receivables from trade transactions recorded
transaksi perdagangan dicatat pada nilai at carrying value deducted by allowance for
tercatat setelah dikurangi cadangan kerugian impairment losses.
penurunan nilai.
39
Page 442
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
n. Instrumen Derivatif n. Derivative Instruments
Seluruh instrumen derivatif dicatat dalam All derivative instruments are recognized in the
laporan posisi keuangan berdasarkan nilai statement of financial position at fair value. The
wajarnya. Nilai wajar tersebut ditentukan fair value is based on market rate, Reuters
berdasarkan harga pasar, kurs Reuters pada exchange rate at statement of financial position
tanggal pelaporan laporan posisi keuangan, date, discounted cash flows, price valuation or
diskonto arus kas, model penentu harga atau broker quoted price on other instruments with
harga yang diberikan oleh broker (quoted price) similar characteristics or price model.
atas instrumen lain yang memiliki karakteristik
atau model penentuan harga serupa.
Keuntungan atau kerugian dari kontrak derivatif Gain or loss on a derivative contract not
yang tidak ditujukan untuk lindung nilai secara designated as a hedging instrument (or
akuntansi (atau tidak memenuhi kriteria untuk derivative contract that does not qualify as a
dapat diklasifikasikan sebagai lindung nilai) hedging instrument) is recognized in the current
diakui pada laporan laba rugi dan penghasilan year statement of profit or loss and other
komprehensif lain tahun berjalan. comprehensive income.
o. Penurunan Nilai Aset Non Keuangan o. Impairment of Non-Financial Assets
Pada tanggal pelaporan, Bank menelaah nilai At reporting date, the Bank reviews the carrying
tercatat aset non-keuangan untuk menentukan amount of non-financial assets to determine
apakah terdapat indikasi bahwa aset tersebut whether there is any indication that those
telah mengalami penurunan nilai. Jika terdapat assets have suffered an impairment loss. If any
indikasi tersebut, nilai yang dapat diperoleh such indication exists, the recoverable amount
kembali dari aset diestimasi untuk menentukan of the asset is estimated in order to determine
tingkat kerugian penurunan nilai (jika ada). Bila the extent of the impairment loss (if any). Where
tidak memungkinkan untuk mengestimasi nilai it is not possible to estimate the recoverable
yang dapat diperoleh kembali atas suatu aset amount of an individual asset, the Bank
individu, Bank mengestimasi nilai yang dapat estimates the recoverable amount of the cash
diperoleh kembali dari unit penghasil kas atas generating unit to which the asset belongs.
aset.
Perkiraan jumlah yang dapat diperoleh kembali Estimated recoverable amount is the higher of
adalah nilai tertinggi antara harga jual neto atau net selling price or value in use. If
nilai pakai. Jika jumlah yang dapat diperoleh the recoverable amount of a non-financial asset
kembali dari aset non-keuangan (unit penghasil (cash generating unit) is less than its carrying
kas) kurang dari nilai tercatatnya, nilai tercatat amount, the carrying amount of the asset (cash
aset (unit penghasil kas) dikurangi menjadi generating unit) is reduced to its recoverable
sebesar nilai yang dapat diperoleh kembali dan amount and an impairment loss is recognized
rugi penurunan nilai diakui langsung ke laba immediately in profit or loss.
rugi.
p. Agunan yang diambil alih p. Foreclosed Collateral
Agunan yang diambil alih (AYDA) merupakan Foreclosed collateral (AYDA) is collateral for
agunan kredit yang diberikan yang telah diambil loans that have been taken over as part of the
alih sebagai bagian dari penyelesaian kredit settlement of loans and are presented under
yang diberikan dan disajikan pada “Aset lain- “Other assets”.
lain”.
40
Page 443
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
p. Agunan yang diambil alih (lanjutan) p. Foreclosed Collateral (continued)
Agunan yang diambil alih sehubungan dengan Foreclosed collaterals acquired in settlement of
penyelesaian kredit diakui sebesar nilai neto loans are recognized at their net realizable
yang dapat direalisasi atau sebesar nilai values or stated at their carrying amount of
tercatat dari kredit, mana yang lebih rendah. loans, whichever is lower. Net realizable value
Nilai neto yang dapat direalisasi adalah nilai is the fair value of the collateral after deducting
wajar agunan setelah dikurangi estimasi biaya the estimated costs of disposal. The excess od
pelepasan. Kelebihan saldo kredit yang loan balances which has not been paid by
diberikan, yang belum dilunasi oleh peminjam debtors over the value of foreclosed collaterals
diatas nilai dari agunan yang diambil alih, is charged to provision for possible losses on
dibebankan sebagai cadangan kerugian loans in the current year. The difference
penurunan nilai pada tahun berjalan. Selisih between the value of the collateral and
antara nilai agunan yang diambil alih dengan the proceeds from sale thereof is recognized as
hasil penjualannya diakui sebagai keuntungan a gain or loss at the time of sale of the collateral.
atau kerugian pada saat penjualan agunan.
Manajemen mengevaluasi nilai agunan yang Management regularly evaluates the value of
diambil alih secara berkala. Nilai tercatat foreclosed collaterals. The carrying amount of
agunan yang diambil alih dikurangi bila terjadi foreclosed collaterals is written down if there is
penurunan nilai yang bersifat permanen. permanent decline in value.
q. Aset Tetap, Aset Hak Guna dan Liabilitas q. Fixed Assets, Right of Use Assets and Lease
Sewa Liabilities
Bank menggunakan model biaya sebagai The Bank uses the cost model for fixed assets
kebijakan akuntansi pengukuran aset tetapnya. measurement.
Aset tetap pemilikan langsung dinyatakan Directly acquired fixed assets are stated at cost,
berdasarkan biaya perolehan, dikurangi less accumulated depreciation and any
akumulasi penyusutan dan akumulasi rugi impairment value, if any.
penurunan nilai, jika ada.
Biaya perolehan awal aset tetap meliputi biaya The initial cost of fixed asset consists of its
perolehan, termasuk bea impor dan pajak purchased price, including import duties and
pembelian yang tidak boleh dikreditkan dan taxes and any directly attributable cost in
biaya-biaya yang dapat diatribusikan secara bringing the fixed assets to its working condition
langsung untuk membawa aset tetap ke lokasi and location for its intended use.
dan kondisi yang diinginkan sesuai dengan
tujuan penggunaan yang ditetapkan.
Penyusutan dihitung berdasarkan metode garis Depreciation is computed on a straight-line
lurus (straight-line method) selama masa method over the fixed assets useful lives as
manfaat aset tetap sebagai berikut: follows:
Masa manfaat/
Useful lives
Perangkat keras dan lunak 4 tahun/years Hardware and software
Perabotan dan peralatan kantor 4 tahun/years Office furniture and equipment
Leasehold improvement 2- 5 tahun/years Leasehold improvement
Kendaraan bermotor 4-8 tahun/years Vehicles
41
Page 444
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
q. Aset Tetap, Aset Hak Guna dan Liabilitas q. Fixed Assets, Right of Use Assets and Lease
Sewa (lanjutan) Liabilities (continued)
Nilai tercatat aset tetap ditelaah kembali dan Carrying value of fixed asset are evaluated and
dilakukan penurunan nilai apabila terdapat impaired if there is event or change of condition
peristiwa atau perubahan kondisi tertentu yang which indicate such carrying value cannot be
mengindikasikan nilai tercatat tersebut tidak fully recoverable.
dapat dipulihkan sepenuhnya.
Dalam setiap inspeksi yang signifikan, biaya When each major inspection is performed, its
inspeksi diakui dalam jumlah tercatat aset tetap cost is recognized in the carrying amount of
sebagai suatu penggantian apabila memenuhi the item of fixed assets as a replacement if
kriteria pengakuan. Biaya inspeksi signifikan the recognition criteria are satisfied. Such major
yang dikapitalisasi tersebut diamortisasi selama inspection is capitalized and amortized over
masa periode sampai dengan saat inspeksi the next major inspection activity.
signifikan berikutnya.
Aset tetap dihentikan pengakuannya pada saat Fixed assets are derecognized upon disposal
dilepaskan atau tidak ada manfaat ekonomis or when no future economic benefits are
masa depan yang diharapkan dari penggunaan expected from its use or disposal. When fixed
atau pelepasannya. Aset tetap yang dijual atau assets are sold or retired, the cost and related
dilepaskan, dikeluarkan dari kelompok aset accumulated depreciation and any impairment
tetap berikut akumulasi penyusutan serta loss are removed from the accounts. Any gains
akumulasi penurunan nilai yang terkait dengan or loss arising from derecognition of fixed
aset tetap tersebut. Laba atau rugi yang timbul assets (calculated as the difference between
dari penghentian pengakuan aset tetap the net disposal proceeds, if any, and
(ditentukan sebesar perbedaan antara jumlah the carrying amount of the item) is included in
neto hasil pelepasan, jika ada, dengan jumlah the statement of profit or loss and other
tercatat dari aset tetap tersebut) dan diakui comprehensive income in the year item is
dalam laporan laba rugi dan penghasilan derecognized.
komprehensif lain pada tahun terjadinya
penghentian pengakuan.
Pada setiap akhir tahun buku, Bank melakukan The residual values, useful lives and methods
penelaahan atas nilai residu, masa manfaat dan of depreciation of fixed asset are reviewed by
metode penyusutan dan disesuaikan secara Bank and adjusted prospectively, if appropriate,
prospektif. at the end of each year.
Sewa Leases
Bank menerapkan PSAK No. 116, “Sewa” untuk The Bank has implemented PSAK No. 116
seluruh sewa dengan mengakui aset hak guna “Leases” for all leases by recognizing rights of
dan liabilitas terkait, dengan 2 pengecualian use assets and related liabilities, with 2
yaitu aset pendasar bernilai rendah dan sewa exceptions, namely low-value underlying
jangka pendek. assets and short-term leases.
42
Page 445
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
q. Aset Tetap, Aset Hak Guna dan Liabilitas q. Fixed Assets, Right of Use Assets and Lease
Sewa (lanjutan) Liabilities (continued)
Sewa (lanjutan) Leases (continued)
Pada tanggal insepsi suatu kontrak, Bank At the inception date of a contract, the Bank
menilai apakah suatu kontrak merupakan, atau assesses whether a contract constitutes, or
mengandung, sewa. Suatu kontrak merupakan, contains, a lease. A contract is, or contains, a
atau mengandung, sewa jika kontrak tersebut lease if it gives the right to control the use of an
memberikan hak untuk mengendalikan asset for a specified period of time in exchange
penggunaan suatu aset selama suatu jangka for a reward. To assess whether a contract
waktu tertentu untuk dipertukarkan dengan provides the right to control an identifying asset,
imbalan. Untuk menilai apakah suatu kontrak the Bank assesses whether:
memberikan hak untuk mengendalikan suatu
aset identifikasian, Bank menilai apakah:
i. kontrak melibatkan penggunaan suatu aset i. the contract involves the use of an
identifikasian; identifiable asset;
ii. Bank memiliki hak untuk memperoleh ii. The Bank has the right to obtain
secara substansial seluruh manfaat substantially all economic benefits from the
ekonomi dari penggunaan aset selama use of assets during the period of use; and
periode penggunaan; dan
iii. Bank memiliki hak untuk mengendalikan iii. The Bank has the right to control the
aset identifikasian dalam bentuk: identification assets in the form of:
Bank memiliki hak untuk Bank has the right to operate the
mengoperasikan aset; dan assets; and
Bank mempunyai hak untuk menetapkan Bank has the right to determine the
tujuan untuk aset yang akan digunakan. purpose for which the assets will be
used.
Pada tanggal insepsi atau pada saat penilaian At the inception date or at the time of
kembali suatu kontrak yang mengandung suatu revaluation of a contract containing a lease
komponen sewa, Bank mengalokasikan component, the Bank allocates the
imbalan dalam kontrak ke masing-masing consideration in the contract to each
komponen sewa berdasarkan harga tersendiri component of the lease based on the relative
relatif dari komponen sewa. Pembayaran sewa separate prices of the lease component. Lease
yang termasuk dalam pengukuran liabilitas payments that are included in the measurement
sewa meliputi: of lease liabilities include:
i. pembayaran lunas dimuka; i. prepayments;
ii. pembayaran angsuran tetap; dan ii. fixed installment payments; and
iii. pembayaran angsuran sewa secara iii. variable lease installment payments based
variabel yang bergantung pada fluktuasi on fluctuations in lease payments
pembayaran sewa yang ditetapkan oleh determined by the counterpart.
counterpart.
Bank mengakui aset hak guna dan liabilitas Bank recognizes the rights of use assets and
sewa pada tanggal dimulainya sewa. Aset hak lease liabilities on the inception date of the
guna awalnya diukur pada biaya perolehan, lease. Rights of use assets are initially
yang terdiri dari jumlah pengukuran awal dari measured at cost, which consists of the initial
liabilitas sewa disesuaikan dengan measurement amount of the lease liabilities
pembayaran sewa yang dilakukan pada atau adjusted for lease payments made on or before
sebelum tanggal permulaan, ditambah dengan the inception date, plus the initial direct costs
biaya langsung awal yang dikeluarkan. incurred.
43
Page 446
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
q. Aset Tetap, Aset Hak Guna dan Liabilitas q. Fixed Assets, Right of Use Assets and Lease
Sewa (lanjutin) Liabilities (continued)
Sewa (lanjutan) Leases (continued)
Setelah tanggal permulaan, aset hak guna After the commencement date, rights of use
diukur pada biaya perolehan. Aset hak guna assets are measured using the cost basis.
diukur sebesar harga perolehan dikurangi Rights of use assets are measured at cost less
akumulasi depresiasi dan akumulasi penurunan accumulated depreciation and accumulated
nilai serta disesuaikan dengan pengukuran impairment losses and adjusted for
kembali liabilitas sewa. Liabilitas sewa diukur remeasurement of lease liabilities. Lease
pada biaya perolehan diamortisasi liabilities are measured at amortized cost using
menggunakan suku bunga efektif. the effective interest rate.
Sewa jangka pendek dengan durasi kurang dari Short-term leases with a period less than 12
12 bulan dan sewa aset bernilai rendah, serta months and leases with low-value assets, as
elemen-elemen sewa tersebut, sebagian atau well as elements of the lease, partially or
seluruhnya, tidak menerapkan prinsip-prinsip completely, do not apply the recognition
pengakuan yang ditentukan oleh PSAK No. 116 principles prescribed by PSAK No. 116 will be
akan diperlakukan sama dengan sewa operasi. treated the same as operating leases. Bank
Bank akan mengakui pembayaran sewa recognize the lease payments in a straight-line
tersebut dengan dasar garis lurus selama masa basis over the lease term in the statement of
sewa dalam laporan laba rugi dan penghasilan profit or loss and other comprehensive income
komprehensif lain dan disajikan sebagai beban and disclosed as general and administrative
umum dan administrasi. expenses.
r. Beban Dibayar Dimuka r. Prepaid Expenses
Beban dibayar dimuka diamortisasi selama Prepaid expenses is amortized with useful life
masa manfaat masing-masing biaya dengan of each expenses using straight-line method.
menggunakan metode garis lurus.
s. Aset Lain-lain s. Other Assets
Aset lain-lain terdiri dari aset yang nilainya tidak Other assets represent assets that cannot be
dapat digolongkan dalam pos-pos sebelumnya. classified under the specific accounts.
Aset lain-lain disajikan sebesar nilai tercatat, Other assets are stated at carrying amount,
yaitu biaya perolehan setelah dikurangi which is cost less decline in value and
penurunan nilai dan cadangan kerugian allowance for impairment losses.
penurunan nilai.
t. Liabilitas Segera t. Liabilities due immediately
Liabilitas segera adalah liabilitas Bank yang Liabilities due immediately is Bank’s obligation
harus segera dibayarkan kepada pihak lain to third parties based on contract that have to
berdasarkan kontrak atau perjanjian yang telah be settled immediately. Liabilities due
ditetapkan. Liabilitas segera disajikan sebesar immediately are stated at the amount payable
jumlah liabilitas Bank. by the Bank.
Liabilitas segera diklasifikasikan sebagai Liabilities due immediately are classified as
liabilitas keuangan yang diukur pada biaya financial liabilities at amortized cost.
perolehan diamortisasi.
44
Page 447
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
u. Simpanan Nasabah dan Bank Lain u. Deposits from Customers and Other Banks
Simpanan nasabah adalah dana yang Deposits from customers are the funds placed
dipercayakan oleh masyarakat (selain bank) by customers (excluding banks) to the Bank
kepada Bank berdasarkan perjanjian based on fund deposit agreements. Included in
penyimpanan dana. Termasuk dalam akun ini this account are current accounts, saving
adalah giro, tabungan, deposito berjangka, deposits, time deposits, certificates of deposits
sertifikat deposito dan bentuk lain yang dapat and other forms which are similar.
dipersamakan dengan itu.
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent Iiabilities
terhadap bank lain dalam bentuk giro, interbank to other bank, in the form of current accounts,
call money dan deposito berjangka. interbank call money and time deposits.
Simpanan dari nasabah dan bank lain Deposits from customers and other banks
diklasifikasikan sebagai liabilitas keuangan are classified as financial liabilities at amortized
yang diukur dengan biaya perolehan cost. Incremental costs directly attributable to
diamortisasi. Biaya tambahan yang dapat the acquisition of deposit from customers and
diatribusikan secara langsung dengan other banks are deducted from the amount of
perolehan simpanan nasabah dan bank lain deposits.
dikurangkan dari jumlah simpanan yang
diterima.
v. Pendapatan dan Beban Bunga v. Interest Income and Expenses
Pendapatan dan beban bunga diakui dalam Interest income and expenses are recognized
laba rugi menggunakan metode suku bunga in profit or loss using the effective interest
efektif. Suku bunga efektif adalah suku bunga method. The effective interest rate is the rate
yang secara tepat mendiskontokan estimasi that exactly discounts the estimated future cash
pembayaran dan penerimaan kas di masa payments and receipts through the expected
datang selama perkiraan umur dari aset life of the financial asset or liability (or, where
keuangan atau liabilitas keuangan (atau, jika appropriate, a shorter period) to the carrying
lebih tepat, digunakan periode yang lebih amount of the financial asset or liability. When
singkat) untuk memperoleh nilai tercatat dari calculating the effective interest rate, the Bank
aset keuangan atau liabilitas keuangan. Pada estimates future cash flows considering all
saat menghitung suku bunga efektif, Bank contractual terms of the financial instrument but
mengestimasi arus kas di masa datang dengan not future credit losses.
mempertimbangkan seluruh persyaratan
kontraktual dalam instrumen keuangan
tersebut, tetapi tidak mempertimbangkan
kerugian kredit di masa mendatang.
Perhitungan suku bunga efektif mencakup The calculation of the effective interest rate
biaya transaksi dan seluruh imbalan/provisi dan includes transaction costs and all fees and
bentuk lain yang dibayarkan atau diterima yang points paid or received that are an integral part
merupakan bagian tak terpisahkan dari suku of the effective interest rate.
bunga efektif.
Jika aset keuangan atau nilai kelompok aset If a financial asset or group of similar financial
keuangan serupa telah diturunkan sebagai assets’ value has diminished as a result of
akibat kerugian penurunan nilai, maka impairment losses, interest income
pendapatan bunga yang diperoleh setelahnya subsequently obtained is recognized based on
diakui berdasarkan suku bunga yang digunakan the interest rate used to discount future cash
untuk mendiskonto arus kas masa datang flows in calculating impairment losses.
dalam menghitung kerugian penurunan nilai.
45
Page 448
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
w. Provisi dan Komisi w. Fees and Commission
Pendapatan provisi dan komisi yang berkaitan Fees and commission directly related to lending
langsung dengan kegiatan perkreditan, atau activities, or signicant fees and commission
pendapatan provisi dan komisi yang income which relate to a specific period, are
berhubungan dengan jangka waktu tertentu amortized over the term of the contract using
yang jumlahnya signifikan, diamortisasi sesuai the effective interest rate method and classified
dengan jangka waktu kontrak menggunakan as part of interest income in the statement of
metode suku bunga efektif dan diklasifikasikan profit or loss and other comprehensive income.
sebagai bagian dari pendapatan bunga pada These fees includes the provision and
laporan laba rugi dan penghasilan commission.
komprehensif lain. Pendapatan ini mencakup
provisi dan komisi.
Provisi dan komisi yang tidak berkaitan Fees and commissions that are not directly
langsung dengan kegiatan perkreditan atau related to either lending activities or specific
jangka waktu tertentu yang jumlahnya time periods that significant, are amortized over
signifikan, diamortisasi menggunakan metode the term of the contract using the straight line
garis lurus sesuai dengan jangka waktu method. While fees and commissions that are
transaksi yang bersangkutan. Sedangkan not significant, recognized at the transaction
provisi dan komisi yang tidak signifikan diakui date as part of fees and commission other than
pada saat transaksi sebagai bagian dari provisi loans. These fees and commissions include
dan komisi selain kredit. Provisi dan komisi ini fees from issuance of bank guarantee and other
meliputi pendapatan terkait dengan penerbitan fees which recognized at the services are
bank garansi dan pendapatan yang diakui pada received.
saat jasa diberikan.
x. Perpajakan x. Taxation
Beban pajak kini ditentukan berdasarkan Current tax expense is provided based on
estimasi penghasilan kena pajak untuk tahun the estimated taxable income for the year and
yang bersangkutan dan dihitung menggunakan calculated using the appropriate tax rate.
tarif pajak yang berlaku.
Dalam menentukan jumlah pajak kini dan In determining the amount of current and
tangguhan, Bank memperhitungkan dampak deferred tax, the Bank takes into account
atas posisi pajak yang tidak pasti dan tambahan the impact of uncertain tax positions and any
pajak serta penalti. Hal ini termasuk juga additional taxes and penalties. This includes
melakukan evaluasi terhadap surat ketetapan evaluation on tax assessment letters received
pajak yang diterima dari kantor pajak. from tax authorities.
Aset dan liabilitas pajak tangguhan diakui atas Deferred tax assets and liabilities are
perbedaan temporer antara aset dan liabilitas recognized for temporary differences between
untuk tujuan komersial dan untuk tujuan the commercial and the tax bases of assets and
perpajakan setiap tanggal pelaporan. liabilities at reporting date.
Liabilitas pajak tangguhan diakui atas semua Deferred tax liabilities are recognized for all
perbedaan temporer kena pajak. Aset pajak taxable temporary differences. Deferred tax
tangguhan diakui atas semua perbedaan assets are recognized for all deductible
temporer yang dapat dikurangkan dan saldo temporary differences and carry-forward
rugi pajak yang belum digunakan, apabila balance of unused tax losses, to the extent that
besar kemungkinannya bahwa jumlah laba it is probable that future taxable income will be
fiskal di masa datang akan memadai untuk sufficient to be applied against the deductible
dikompensasi dengan perbedaan temporer temporary differences and unused tax losses
yang dapat dikurangkan dan saldo rugi fiskal can be utilized.
yang belum digunakan.
46
Page 449
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
x. Perpajakan (lanjutan) x. Taxation (continued)
Aset dan liabilitas pajak tangguhan dihitung Deferred tax assets and liabilities are measured
dengan menggunakan tarif pajak (dan at the tax rates (and tax laws) that are effective
peraturan pajak) yang berlaku atau yang secara or substantially expected to apply to the year
substansial diberlakukan pada tahun dimana when the asset is realized or the liability is
aset tersebut direalisasikan atau liabilitas settled. Changes in the carrying amount of
tersebut diselesaikan. Perubahan nilai tercatat deferred tax assets and liabilities due to a
aset dan liabilitas pajak tangguhan yang change in tax rates are credited or charged to
disebabkan oleh perubahan tarif pajak current year operations, except to the extent
dibebankan pada tahun berjalan, kecuali untuk that they relate to items previously charged or
transaksi-transaksi yang sebelumnya telah credited to equity.
langsung dibebankan atau dikreditkan ke
ekuitas.
Aset pajak tangguhan disajikan neto setelah Deferred tax assets are presented net of
dikurangi dengan liabilitas pajak tangguhan deferred tax liabilities in the statement of
dalam laporan posisi keuangan. Pemanfaatan financial position. The utilization of deferred tax
aset pajak tangguhan oleh Bank tergantung assets recognized by the Bank is dependent
pada laba kena pajak di masa yang akan upon future taxable profit.
datang.
Koreksi terhadap liabilitas perpajakan dicatat Amendments to taxation obligations are
pada saat diterimanya surat ketetapan, atau recorded when an assessment is received or, if
apabila diajukan permohonan keberatan atau objected or appealed against, when the results
banding, ketika hasil keberatan atau banding of the objection or appeal have been
sudah ditetapkan. determined.
y. Liabilitas Imbalan Kerja y. Employee Benefits Liability
Imbalan kerja jangka panjang dan imbalan Long-term benefit and post-employment benefit
pasca kerja, seperti pensiun, uang pisah, uang liabilities, such as pension, severance, cash
kompensasi dan hak-hak lainnya dihitung compensation and other rights are calculated
berdasarkan Peraturan Perusahaan dan based on the Company Regulation and
termasuk sebagai program imbalan pasti. classified as defined benefit program.
Liabilitas imbalan kerja merupakan nilai kini The employee benefit liability is the present
liabilitas imbalan pasti pada tanggal laporan value of the defined benefit obligation at
posisi keuangan dikurangi dengan nilai wajar the financial position date less the fair value of
aset program. Nilai kini liabilitas imbalan pasti plan assets. The defined benefit obligation is
dihitung oleh aktuaris independen dengan calculated by independent actuaries using the
menggunakan metode projected unit credit. projected unit credit method.
Nilai kini liabilitas imbalan pasti ditentukan The present value of the defined benefit
dengan mendiskontokan estimasi arus kas obligation is determined by discounting
masa depan dengan menggunakan tingkat the estimated future cash outflows using
bunga obligasi pemerintah dalam mata uang interest rates of government bonds that are
Rupiah sesuai dengan mata uang dimana denominated in the currency in which the
imbalan tersebut akan dibayarkan dan yang benefit will be paid, and that have terms to
memiliki jangka waktu yang sama dengan maturity approximating the terms of the related
liabilitas imbalan pensiun yang bersangkutan. pension liability.
47
Page 450
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
y. Liabilitas Imbalan Kerja (lanjutan) y. Employee Benefits Liability (continued)
Seluruh biaya jasa lalu diakui pada saat yang All past service costs are recognized at
lebih dulu antara ketika amandemen/ the earlier of when the amendment/ curtailment
kurtailmen terjadi atau ketika biaya occurs and when the related restructuring or
restrukturisasi atau pemutusan hubungan kerja termination costs are recognized. As a result,
diakui. Sebagai akibatnya, biaya jasa lalu yang unvested past service costs can no longer be
belum vested tidak lagi dapat ditangguhkan dan deferred and recognized over the future vesting
diakui selama periode vesting masa depan. period.
Bunga neto atas imbalan pasti neto merupakan Net interest on the net defined benefit liabilities
komponen pendapatan bunga dari aset is the interest income component of plan
program, biaya bunga atas liabilitas imbalan assets, interest expense of defined benefit
pasti dan bunga atas dampak batas atas dari obligation and interest on the effect of asset
aset. ceiling.
Pengukuran kembali liabilitas imbalan pasti Remeasurements of the net defined benefit
neto terdiri atas: obligation consists of:
- keuntungan dan kerugian aktuarial - actuarial gains and losses
- imbal hasil atas aset program, tidak - return on plan assets, excluding amount
termasuk jumlah yang dimasukan dalam included in net interest on the net defined
bunga neto atas liabilitas imbalan pasti benefit obligation
neto
- setiap perubahan dampak batas atas aset, - any change in effect of the asset ceiling,
tidak termasuk jumlah yang dimasukkan excluding amount included in net interest on
dalam bunga neto atas liabilitas imbalan the net defined benefit obligation.
pasti neto.
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek seperti upah, cuti Short-term employee benefits such as wages,
jangka pendek, bonus dan imbalan non- short-term compensated leaves, bonuses and
moneter lainnya diakui selama periode jasa other non-monetary benefits are recognized
diberikan. Imbalan kerja jangka pendek dihitung during the period when services are rendered.
sebesar jumlah yang tidak didiskontokan. Short-term employee benefits are measured
using undiscounted amounts.
z. Informasi Segmen Operasi z. Operating Segment Information
Informasi segmen diungkapkan untuk Segment information is disclosed to enable
memungkinkan pengguna laporan keuangan users of financial statement to evaluate
untuk mengevaluasi sifat dan dampak the nature and financial effects of the business
keuangan dari aktivitas bisnis yang mana Bank activities in which the Bank is involved in and
terlibat dalam lingkungan ekonomi dimana the economic environment where the Bank
Bank beroperasi. operates.
Bank menentukan dan menyajikan segmen The Bank determines and present operating
operasi berdasarkan informasi yang secara segments based on the information that is
internal diberikan kepada pengambil internally provided to the chief operating
keputusan operasional. Pengambil keputusan decision maker. The Bank’s chief operating
operasional Bank adalah Direksi. decision maker is the Board of Directors.
48
Page 451
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
z. Informasi Segmen Operasi (lanjutan) z. Operating Segment Information (continued)
Segmen operasi adalah suatu komponen dari An operating segment is a component of
Bank: the Bank:
a. yang terlibat dalam aktivitas bisnis yang a. that engages in business activities from
mana memperoleh pendapatan dan which it may earn revenues and incur
menimbulkan beban (termasuk pendapatan expenses (including revenues and
dan beban terkait dengan transaksi dengan expenses relating to transactions with
komponen lain dari Bank); other components of the Bank);
b. hasil operasinya dikaji ulang secara regular b. whose operating results are reviewed
oleh pengambil keputusan operasional regularly by the Bank’s chief operating
untuk membuat keputusan tentang sumber decision maker to make decisions about
daya yang dialokasikan pada segmen resources to be allocated to the segment
tersebut dan menilai kinerjanya; dan and assess its performance; and
c. tersedia informasi keuangan yang dapat c. for which discrete financial information
dipisahkan. is available.
Informasi yang dilaporkan kepada pengambil Information reported to chief operating decision
keputusan operasional untuk tujuan alokasi maker to allocate resource and its performance
sumber daya dan penilaian kinerjanya lebih evaluation are focused on each product
difokuskan pada kategori masing-masing category, similar to the operating segment
produk, yang mana serupa dengan segmen reported in prior periods.
usaha yang dilaporkan pada periode-periode
terdahulu.
aa. Provisi aa. Provisions
Provisi diakui jika Bank memiliki liabilitas kini Provisions are recognized when the Bank has
(baik bersifat hukum maupun bersifat a present obligation (legal or constructive)
konstruktif) yang akibat peristiwa masa lalu, where, as a result of a past event, it is probable
besar kemungkinannya besar penyelesaian that the settlement of obligation cause an
kewajiban tersebut mengakibatkan arus keluar outflow of resources embodying economic
sumber daya yang mengandung manfaat benefits will be required to settle the obligation
ekonomi dan estimasi yang andal mengenai and a reliable estimate can be made of
jumlah kewajiban tersebut dapat dibuat. the amount of the obligation.
Jumlah yang diakui sebagai provisi adalah hasil Provision recognized at the best estimation of
estimasi terbaik pengeluaran yang diperlukan expenditure required to settle the present
untuk menyelesaikan kewajiban kini pada liabilities at the reporting date, after determining
tanggal pelaporan, dengan mempertimbangkan the risk and uncertainty of such liabilities. When
risiko dan ketidakpastian terkait kewajiban provision measured using cash flow estimation
tersebut. Ketika provisi diukur menggunakan to settle the present liabilities, then the carrying
estimasi arus kas untuk menyelesaikan value of the provision is the present value of
kewajiban kini, maka nilai tercatat provisi cash flows.
adalah nilai kini arus kas tersebut.
Jika sebagian atau seluruh pengeluaran untuk If some or entire expenditure to settle
menyelesaikan provisi diganti oleh pihak ketiga, the provision are reimbursed by third party, then
maka penggantian itu diakui hanya pada saat the reimbursement are recognized only if there
timbul keyakinan bahwa penggantian pasti is assurance that such reimbursement will be
akan diterima dan jumlah penggantian dapat certainly received and the amount can be
diukur dengan andal. measured reliably.
49
Page 452
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
ab. Biaya emisi saham ab. Shares issuance costs
Biaya emisi saham yang terjadi sehubungan Shares issuance costs related to the public
dengan penawaran saham umum kepada offering of shares are deducted from
masyarakat dikurangkan langsung dari hasil the proceeds and presented as a deduction
emisi dan disajikan sebagai pengurang pada from the “Additional Paid-in-Capital - Net”
akun “Tambahan Modal Disetor - Neto”, account, under Equity section in the statement
sebagai bagian dari Ekuitas pada laporan posisi of financial position.
keuangan.
ac. Laba per lembar saham ac. Earnings per share
Laba per saham dasar dihitung dengan Earnings per share is computed by dividing
membagi laba tahun berjalan dengan rata-rata income for the year with the weighted average
tertimbang jumlah saham biasa yang number of outstanding issued are fully paid-up
ditempatkan dan disetor penuh selama tahun common shares during the year.
yang bersangkutan.
ad. Perubahan kebijakan akuntansi dan ad. Change in accounting policies and
pengungkapan disclosures
Bank telah menerapkan standar akuntansi The Bank adopted the following accounting
berikut pada tanggal 1 Januari 2024 yang standards, which are considered relevant,
dianggap relevan: starting on January 1, 2024:
Nomenklatur Standar Akuntansi Keuangan Financial Accounting Standards
Nomenclature
Standar ini ini mengatur penomoran baru This standard regulates the new numbering
untuk standar akuntansi keuangan yang for financial accounting standards
berlaku di Indonesia yang diterbitkan oleh applicable in Indonesia issued by DSAK IAI.
DSAK IAI.
Amandemen PSAK No. 116: Liabilitas Sewa Amendment of PSAK No. 116: Lease
dalam Jual Beli dan Sewa-balik Liability in a Sale and Leaseback
Amandemen PSAK No. 116 Sewa The amendment to PSAK No. 116 Leases
menetapkan persyaratan yang digunakan specifies the requirements that a seller-
penjual-penyewa dalam mengukur lessee uses in measuring the lease liability
kewajiban sewa yang timbul dalam transaksi arising in a sale and leaseback transaction,
jual beli dan sewa-balik, untuk memastikan to ensure the seller-lessee does not
penjual-penyewa tidak mengakui jumlah recognise any amount of the gain or loss
setiap keuntungan atau kerugian yang that relates to the right of use it retains.
terkait dengan hak guna yang
dipertahankan.
50
Page 453
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
ad. Perubahan kebijakan akuntansi dan ad. Change in accounting policies and
pengungkapan (lanjutan) disclosures (continued)
Bank telah menerapkan standar akuntansi The Bank adopted the following accounting
berikut pada tanggal 1 Januari 2024 yang standards, which are considered relevant,
dianggap relevan: (lanjutan) starting on January 1, 2024: (continued)
Amandemen PSAK No. 207 dan PSAK No. Amendment of PSAK No. 207 and PSAK
107: Pengaturan Pembiayaan Pemasok No. 107: Supplier Finance Arrangements
Amandemen PSAK No. 207 dan PSAK The amendments to PSAK No. 207 and
No. 107 mengklarifikasi karakteristik PSAK No. 107 clarify the characteristics of
pengaturan pembiayaan pemasok dan supplier finance arrangements and require
mensyaratkan pengungkapan tambahan additional disclosure of such arrangements.
atas pengaturan pembiayaan pemasok The disclosure requirements in the
tersebut. Persyaratan pengungkapan dalam amendments are intended to assist users of
amandemen ini dimaksudkan untuk financial statements in understanding the
membantu pengguna laporan keuangan effects of supplier finance arrangements on
dalam memahami dampak pengaturan an entity’s liabilities, cash flows and
pembiayaan pemasok terhadap liabilitas, exposure to liquidity risk.
arus kas, dan eksposur terhadap risiko
likuiditas suatu entitas.
Bank telah menganalisa penerapan standar The Bank has assessed that the adoption of
akuntansi tersebut di atas dan penerapan the above-mentioned accounting standards do
tersebut tidak memiliki pengaruh yang signifikan not have significant impact to the financial
terhadap laporan keuangan. statements.
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN ESTIMATES AND ASSUMPTIONS
Pertimbangan yang signifikan Significant judgments
Penyusunan laporan keuangan Bank The preparation of the Bank’s financial statements
mengharuskan manajemen untuk membuat requires management to make judgments,
pertimbangan, estimasi dan asumsi yang estimates and assumptions that affect the reported
mempengaruhi jumlah yang dilaporkan dari amounts of revenues, expenses, assets and
pendapatan, beban, aset dan liabilitas, dan liabilities, and the disclosure of contingent liabilities,
pengungkapan atas liabilitas kontinjensi, pada akhir at the end of the reporting period. Uncertainty about
periode pelaporan. Ketidakpastian mengenai these assumptions and estimates could result in
asumsi dan estimasi tersebut dapat mengakibatkan outcomes that require a material adjustment to
penyesuaian material terhadap nilai tercatat aset the carrying amounts of the asset and liability
dan liabilitas dalam periode pelaporan berikutnya. affected in future periods.
Usaha yang berkelanjutan Going concern
Manajemen Bank telah melakukan penilaian atas The Bank’s management has made an assessment
kemampuan Bank untuk melanjutkan kelangsungan of the Bank’s ability to continue as a going concern
usahanya dan berkeyakinan bahwa Bank memilki and is satisfied that the Bank has the resources to
sumber daya untuk melanjutkan usahanya di masa continue its business for the foreseeable future.
mendatang. Selain itu, manajemen Bank tidak Furthermore, the management is not aware of any
mengetahui adanya ketidakpastian material yang material uncertainties that may cast significant doubt
dapat menimbulkan keraguan yang signifikan to the Bank’s ability to continue as a going concern.
terhadap kemampuan Bank untuk melanjutkan Therefore, the financial statements continues to be
usahanya. Oleh karena itu, laporan keuangan telah prepared on the going concern basis.
disusun atas dasar usaha yang berkelanjutan.
51
Page 454
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Pertimbangan yang signifikan (lanjutan) Significant judgments (continued)
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and liabilities
Bank telah menetapkan klasifikasi aset dan liabilitas The Bank has determined the classification of
tertentu sebagai aset keuangan dan liabilitas certain assets and liabilities as financial assets and
keuangan dengan mempertimbangkan apakah financial liabilities by considering whether the
definisi yang ditetapkan PSAK No. 109 telah definitions set at PSAK No. 109 have been met.
dipenuhi. Dengan demikian, aset dan liabilitas Accordingly, the financial assets and liabilities are
keuangan diakui sesuai dengan kebijakan akuntansi accounted for in accordance with the Bank’s
Bank seperti diungkapkan pada Catatan 2. accounting policies disclosed in Note 2.
Penilaian instrumen keuangan Valuation of financial instruments
Pengukuran nilai wajar Bank dibahas di The Bank’s fair value measurements is discussed
Catatan 41. in Note 41.
Dalam menentukan nilai wajar atas aset In determining the fair value for financial assets and
keuangan dan liabilitas keuangan dimana liabilities for which there is no observable market
tidak terdapat harga pasar yang dapat price, the Bank should use the valuation techniques
diobservasi, Bank harus menggunakan teknik as described in Note 41. For financial instruments
penilaian seperti dijelaskan pada Catatan 41. Untuk that are trade infrequently and have little price
instrumen keuangan yang jarang diperdagangkan transparency, fair value is less objective, and
dan tidak memiliki harga yang transparan, nilai requires varying degrees of judgment depending on
wajarnya menjadi kurang obyektif dan karenanya, liquidity, concentration, uncertainly of market
membutuhkan tingkat pertimbangan yang beragam, factors, pricing assumptions and other risks
tergantung pada likuiditas, konsentrasi, affecting the specific instrument.
ketidakpastian faktor pasar, asumsi penentuan
harga, dan risiko lainnya yang mempengaruhi
instrumen tertentu.
Bila nilai wajar aset keuangan dan liabilitas When the fair values of financial assets and financial
keuangan yang tercatat pada laporan posisi liabilities recorded on the statement of financial
keuangan tidak tersedia di pasar aktif, nilainya position cannot be derived from active markets, they
ditentukan dengan menggunakan berbagai teknik are determined using a variety of valuation
penilaian termasuk penggunaan model matematika. techniques that include the use of mathematical
Masukan (input) untuk model ini berasal dari data models. The inputs to these models are derived from
pasar yang bisa diamati sepanjang data tersebut observable market data where possible. But when
tersedia. Bila data pasar yang bisa diamati tersebut observable market data are not available,
tidak tersedia, pertimbangan manajemen diperlukan management’s judgment is required to establish fair
untuk menentukan nilai wajar. values.
Pertimbangan manajemen tersebut mencakup The management’s judgments include
pertimbangan likuiditas dan masukan model seperti considerations of liquidity and model inputs such as
volatilitas untuk transaksi derivatif yang berjangka volatility for long-term derivatives and discount rates,
waktu panjang dan tingkat diskonto, tingkat early payment rates and default rate assumptions.
pelunasan dipercepat dan asumsi tingkat gagal
bayar.
52
Page 455
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Pertimbangan yang signifikan (lanjutan) Significant judgments (continued)
Penilaian instrumen keuangan (lanjutan) Valuation of financial instruments (continued)
Bank menyajikan nilai wajar atas instrumen The Bank present the fair value of financial
keuangan berdasarkan hirarki nilai wajar sebagai instruments based on the following fair value
berikut: hierarchy:
1. Level 1 - harga kuotasian (tanpa penyesuaian) 1. Level 1 - quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas yang active markets for identical assets or liabilities;
identik;
2. Level 2 - teknik penilaian di mana tingkat level 2. Level 2 - valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to the fair
pengukuran nilai wajar dapat diobservasi baik value measurement is directly or indirectly
secara langsung atau tidak langsung; dan observable; and
3. Level 3 - teknik penilaian di mana tingkat level 3. Level 3 - valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to the fair
pengukuran nilai wajar tidak dapat diobservasi value measurement is directly or indirectly
baik secara langsung atau tidak langsung. unobservable.
Tujuan dari teknik penilaian adalah The objective of valuation techniques is to arrive at
penentuan nilai wajar yang mencerminkan harga a fair value determination that reflects the price of
dari instrumen keuangan pada tanggal pelaporan the financial instrument at the reporting date that
yang akan ditentukan oleh para partisipan di pasar would have been determined by market participants
dalam suatu transaksi yang wajar. acting at arm’s length.
Penurunan nilai instrumen keuangan Impairment losses on financial instruments
Bank menelaah aset keuangan mereka pada nilai The Bank reviews their financial assets at fair value
wajar melalui penghasilan komprehensif lain dan through other comprehensive income and financial
aset keuangan pada biaya diamortisasi berdasarkan assets at amortized cost under PSAK No. 109 which
PSAK No. 109 yang mengharuskan untuk mengakui required to recognize the expected credit loss at
kerugian kredit ekspektasian pada setiap tanggal each reporting date to reflect changes in credit risk
pelaporan untuk mencerminkan perubahan risiko of the financial assets not at fair value through profit
kredit dari aset keuangan tidak pada nilai wajar or loss. PSAK No. 109 incorporates forward-looking
melalui laba rugi. PSAK No. 109 menggabungkan and historical, current and forecasted information
informasi forward-looking dan historis, terkini dan into expected credit loss estimation.
yang diperkirakan ke dalam estimasi kerugian kredit
ekspektasian.
Estimasi-estimasi ini didasarkan pada asumsi- These estimates are based on assumptions about a
asumsi tentang sejumlah faktor dan hasil aktual number of factors and actual results may differ, as
yang mungkin berbeda, yang tercermin dalam reflected in changes in the future provision for
perubahan di masa mendatang atas penyisihan impairment losses.
penurunan nilai tersebut.
Nilai tercatat instrumen keuangan serta cadangan The carrying value of financial instruments and
kerugian penurunan nilai diungkapkan dalam allowance for impairment losses are disclosed in
Catatan 6, 7, 8, 10, 12, 13, dan 25. Notes 6, 7, 8, 10, 12, 13, and 25.
53
Page 456
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Estimasi dan asumsi akuntansi yang signifikan Significant accounting estimates and
(lanjutan) assumptions (continued)
Perkiraan masa manfaat dari aset tetap Estimated useful lives of fixed assets
Bank melakukan penelahaan secara tahunan The Bank reviews on an annual basis the estimated
mengenai taksiran masa manfaat dari aset tetap useful lives of fixed assets based on expected
berdasarkan penggunaan yang diharapkan seperti utilization as anchored on business plans and
yang disebutkan pada rencana bisnis dan strategi strategies that also consider expected future
yang juga mempertimbangkan perkembangan technological developments and market behavior. It
teknologi masa depan dan perilaku pasar. Ada is possible that future results of operations could be
kemungkinan bahwa hasil operasi masa depan materially affected by changes in these estimates
dapat secara material terpengaruh oleh perubahan brought about by changes in the factors mentioned.
perkiraan ini yang disebabkan oleh perubahan A reduction in the estimated useful lives of fixed
dalam faktor-faktor yang disebutkan. Penurunan assets would increase the recorded depreciation
estimasi masa manfaat aset tetap akan expense and decrease fixed assets. The estimated
meningkatkan beban penyusutan yang dicatat dan useful lives of fixed assets are disclosed in Note 2.
menurunkan aset tetap. Taksiran masa manfaat dari
aset tetap diungkapkan dalam Catatan 2.
Nilai tercatat aset tetap diungkapkan dalam The carrying values of fixed assets are disclosed in
Catatan 16. Note 16.
Menentukan jangka waktu kontrak dengan opsi Determine the term of the contract with the option to
perpanjangan dan penghentian kontrak - Bank extend and terminate the contract - the Bank is the
sebagai lessee lessee
Bank menentukan jangka waktu sewa sebagai The Bank determines the lease term as the term of
jangka waktu sewa yang tidak dapat dibatalkan, the lease that non-cancellable, along with the period
bersama dengan periode yang dicakup oleh opsi covered by the option to extend the lease if it is
untuk memperpanjang masa sewa jika dipastikan certain to be exercised, or any period covered by the
akan dilaksanakan, atau periode apa pun yang option to terminate the lease, if it is reasonably
dicakup oleh opsi untuk menghentikan sewa, jika reasonable not to do so.
cukup wajar untuk tidak dilakukan.
Bank memiliki beberapa kontrak sewa yang The Bank has several lease contracts which include
mencakup opsi perpanjangan dan penghentian an option to extend and terminate the lease term.
jangka waktu sewa. Bank menerapkan penilaian The Bank applies its judgment in evaluating whether
dalam mengevaluasi pakah dapat dipastikan jika it can be ascertained if it will exercise the option to
akan menggunakan opsi untuk memperpanjang extend or terminate the lease. This is done by
atau menghentikan sewa. Hal tersebut dilakukan considering all relevant facts and circumstances that
dengan mempertimbangkan seluruh fakta dan provide economic incentives to extend or terminate
keadaan yang relevan yang memberikan insetif the lease. After the commencement date, the Bank
ekonomi untuk melakukan perpanjangan atau reassesses the lease term, if there is a significant
penghentian sewa. Setelah tanggal dimulainya, event or change in circumstances which is under its
Bank menilai kembali masa sewa, jika terdapat control and affects whether the lessee is certain
peristiwa atau perubahan signifikan dalam keadaan enough to exercise the option to extend or terminate
yang berada dalam kendali dan mempengaruhi the lease.
apakah lessee cukup pasti untuk mengeksekusi opsi
memperpanjang atau menghentikan sewa.
54
Page 457
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Estimasi dan asumsi akuntansi yang signifikan Significant accounting estimates and
(lanjutan) assumptions (continued)
Pengakuan aset pajak tangguhan Recognition of deferred tax assets
Aset pajak tangguhan diakui untuk seluruh rugi fiskal Deferred tax assets are recognized for all unused
dan perbedaan temporer sepanjang besar tax losses and temporary differences to the extent
kemungkinan bahwa penghasilan kena pajak akan that it is probable that taxable profit will be available
tersedia sehingga kerugian dapat dimanfaatkan. against which the losses can be utilized. Significant
Pertimbangan manajemen yang signifikan juga management judgment is required to determine the
diperlukan untuk menentukan jumlah dari aset pajak amount of deferred tax assets that can be
tangguhan yang dapat diakui, berdasarkan saat recognized, based upon the likely timing and level of
penggunaan dan tingkat penghasilan kena pajak future taxable profits together with future tax
serta strategi perencanaan pajak masa depan. planning strategies.
Pengakuan aset pajak tangguhan diungkapkan The recognized deferred tax assets is disclosed in
dalam Catatan 22. Note 22.
Nilai kini liabilitas imbalan kerja Present value of employee benefit liabilities
Liabilitas imbalan kerja ditentukan menggunakan The employee benefit liabilities is determined using
penilaian aktuaria. Penilaian aktuarial melibatkan actuarial valuations. The actuarial valuation involves
pembuatan asumsi mengenai tingkat diskonto, making assumptions about discount rates, expected
tingkat pengembalian dari aset yang diharapkan, rates of return on assets, future salary increases,
peningkatan gaji di masa depan, tingkat kematian mortality rates and future pension increases. Due to
dan peningkatan jumlah pensiun di masa depan. the long term nature of these plans, such estimates
Karena sifat jangka panjang rencana-rencana ini, are subject to significant uncertainty.
estimasi memiliki ketidakpastian yang signifikan.
Detail dari asumsi yang digunakan dalam The details of the assumptions used in
perhitungan dan nilai kini dari liabilitas imbalan kerja the calculation and present value of employee
diungkapkan dalam Catatan 23. benefit liabilites is disclosed in Note 23.
4. KAS 4. CASH
Kas terdiri dari: Cash consists of the following:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 122.269 66.797 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 15.225 2.694 United States Dollar
Dolar Singapura 679 1.379 Singapore Dollar
Yen Jepang 120 236 Japanese Yen
Euro Eropa 317 153 European Euro
Dolar Australia 62 61 Australian Dollar
Dolar Hong Kong 33 71 Hong Kong Dollar
Renminbi China 143 172 Chinese Renminbi
Pound Sterling Inggris 27 - Great Britain Pound Sterling
16.606 4.766
Total 138.875 71.563 Total
55
Page 458
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 1.093.020 1.547.584 Rupiah
Dolar Amerika Serikat 109.986 52.421 United States Dollar
Total 1.203.006 1.600.005 Total
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 63.118 70.483 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 761 100 PT Bank Mandiri (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 175 230 (Persero) Tbk
Lain-lain 7 6 Others
64.061 70.819
Pihak ketiga Third parties
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 40.363 47.463 (Persero) Tbk
PT Bank Central Asia Tbk 24.422 30.706 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 12.117 15.373 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 9.967 8.469 PT Bank Mandiri (Persero) Tbk
PT Bank Danamon PT Bank Danamon
Indonesia Tbk 181 28 Indonesia Tbk
PT Bank DBS Indonesia 7 7 PT Bank DBS Indonesia
Dolar Singapura Singapore Dollar
DBS Bank Ltd, Singapura 454 221 DBS Bank Ltd, Singapore
Yen Jepang Japanese Yen
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 1.143 1.396 (Persero) Tbk
Pound Sterling Inggris Great Britain Pound Sterling
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 1.145 167 (Persero) Tbk
Dolar Australia Australian Dollar
PT Bank ANZ Indonesia - 804 PT Bank ANZ Indonesia
PT Bank Central Asia Tbk 9.263 - PT Bank Central Asia Tbk
Dolar Hong Kong Hong Kong Dollar
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 1.446 368 (Persero) Tbk
Euro Eropa European Euro
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 1.385 2.650 (Persero) Tbk
Renminbi China Chinese Renminbi
PT Bank Mandiri (Persero) Tbk 409 429 PT Bank Mandiri (Persero) Tbk
Total 166.363 178.900 Total
Cadangan kerugian
penurunan nilai (5) (7) Allowance for impairment losses
Neto 166.358 178.893 Net
56
Page 459
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
Mutasi nilai tercatat giro pada bank lain dengan Movement of the carrying value of current accounts
klasifikasi biaya perolehan diamortisasi (semua giro with other banks classified as amortized cost (all
pada bank lain dengan klasifikasi biaya perolehan current accounts with other banks classified as
diamortisasi adalah stage 1) adalah sebagai berikut: amortized cost are stage 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 178.900 177.185 Beginning balance
Aset keuangan yang baru dibeli 166.567 357.978 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (202.536) (362.582) Financial assets derecognized
Selisih kurs dan Foreign exchange and other
perubahan lain 23.432 6.319 movements
Saldo akhir 166.363 178.900 Ending balance
Mutasi cadangan kerugian penurunan nilai giro pada Movement of the allowance for impairment losses of
bank lain dengan klasifikasi biaya perolehan current accounts with other banks classified as
diamortisasi (semua giro pada bank lain dengan amortized cost (all current accounts with other banks
klasifikasi biaya perolehan diamortisasi adalah classified as amortized cost are stage 1) are as
stage 1) adalah sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 7 6 Beginning balance
Aset keuangan yang (dihentikan Financial assets (derecognized)
pengakuannya) baru dibeli (2) 1 newly purchased
Saldo akhir 5 7 Ending balance
Manajemen berpendapat bahwa jumlah cadangan Management believes that the amount of allowance
kerugian penurunan nilai giro pada bank lain telah for impairment losses on current accounts with other
memadai pada tanggal-tanggal 31 Desember 2024 banks is adequate as of December 31, 2024 and
dan 2023. 2023.
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there were no
2023, tidak terdapat giro pada bank lain yang current accounts with other banks which were
dijadikan agunan oleh Bank. pledged as collateral by the Bank.
Tingkat suku bunga rata-rata per tahun giro pada The average interest rates of current accounts with
bank lain adalah sebagai berikut: other banks per annum were as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 0,35% 0,61% Rupiah
Dolar Amerika Serikat 0,94% 0,94% United States Dollar
Dolar Singapura 0,00% 0,00% Singapore Dollar
Dolar Australia 0,00% 0,00% Australian Dollar
Yen Jepang 0,00% 0,00% Japanese Yen
Euro Eropa 0,00% 0,00% European Euro
Pound Sterling Inggris 0,00% 0,00% Great Britain Pound Sterling
Dolar Hong Kong 0,00% 0,00% Hong Kong Dollar
Renminbi China 1,35% 1,35% China Renminbi
57
Page 460
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN OTHER BANKS
Rincian penempatan pada Bank Indonesia dan bank The details of placements with Bank Indonesia and
lain adalah sebagai berikut: other banks are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak ketiga Third parties
Rupiah Rupiah
Fasilitas Simpanan Deposit facility
Bank Indonesia (FASBI) 799.883 1.134.835 Bank Indonesia (FASBI)
Deposito - Time Deposits
PT BPR Artatama Sejahtera 2.071 - PT BPR Artatama Sejahtera
Call Money Call Money
PT Bank Syariah Indonesia Tbk 250.000 250.000 PT Bank Syariah Indonesia Tbk
PT Bank Artha Graha PT Bank Artha Graha
Internasional Tbk 200.000 300.000 Internasional Tbk
PT Bank Capital Indonesia Tbk 150.000 200.000 PT Bank Capital Indonesia Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Sulawesi Tenggara 100.000 100.000 Sulawesi Tenggara
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Sulawesi Selatan 100.000 80.000 Sulawesi Selatan
PT Bank DKI 100.000 - PT Bank DKI
PT Bank Raya Indonesia Tbk 50.000 - PT Bank Raya Indonesia Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jambi 50.000 - Jambi
PT Bank Mega Syariah - 200.000 PT Bank Mega Syariah
PT Bank Nationalnobu Tbk - 100.000 PT Bank Nationalnobu Tbk
PT Bank MNC Internasional Tbk - 100.000 PT Bank MNC Internasional Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Maluku dan Maluku Utara - 100.000 Maluku and Maluku Utara
PT Bank Victoria International Tbk - 100.000 PT Bank Victoria International Tbk
1.801.954 2.664.835
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
Term Deposit BI 547.299 508.327 Term Deposit BI
Total 2.349.253 3.173.162 Total
Cadangan kerugian
penurunan nilai (312) (677) Allowance for impairment losses
Neto 2.348.941 3.172.485 Net
Jangka waktu penempatan pada Bank Indonesia The term of placements with Bank Indonesia and
dan bank lain adalah kurang dari 1 bulan. other banks are less than 1 month.
58
Page 461
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
Tingkat suku bunga rata-rata per tahun penempatan The average interest rates of for placement with
pada Bank Indonesia dan bank lain adalah sebagai Bank Indonesia and other banks are as follows:
berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
Call Money 6,33% 6,30% Call Money
Deposito 7,00% - Time deposits
Fasilitas Simpanan Bank Indonesia
Bank Indonesia (FASBI) 5,25% 5,25% Deposit Facility (FASBI)
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
Term Deposit BI 4,53% 5,34% Term Deposit BI
Mutasi nilai tercatat penempatan pada Bank Movement of carrying value of placements with
Indonesia dan bank lain dengan klasifikasi biaya Bank Indonesia and other banks classified as
perolehan diamortisasi (semua penempatan pada amortized cost (all placements with Bank Indonesia
Bank Indonesia dan bank lain dengan klasifikasi and other banks classified as amortized cost are
biaya perolehan diamortisasi adalah stage 1) adalah stage 1) are as follows:
sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 3.173.162 2.840.755 Beginning balance
Aset keuangan yang baru dibeli 2.349.068 3.172.439 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (3.173.402) (2.840.998) Financial assets derecognized
Selisih kurs dan Foreign exchange and other
perubahan lain 425 966 movements
Saldo akhir 2.349.253 3.173.162 Ending balance
Mutasi cadangan kerugian penurunan nilai Movement of allowance for impairment losses of
penempatan pada Bank Indonesia dan bank lain placements with Bank Indonesia and other banks
dengan klasifikasi biaya perolehan diamortisasi classified as amortized cost (all placements with
(semua penempatan pada Bank Indonesia dan bank Bank Indonesia and other banks classified as
lain dengan klasifikasi biaya perolehan diamortisasi amortized cost are stage 1) are as follows:
adalah stage 1) adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 677 59 Beginning balance
Aset keuangan yang baru dibeli 312 677 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (677) (59) Financial assets derecognized
Saldo akhir 312 677 Ending balance
59
Page 462
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
Manajemen berpendapat bahwa jumlah cadangan Management believes that the amount of allowance
kerugian penurunan nilai penempatan pada Bank for impairment losses on placement with Bank
Indonesia dan bank lain telah memadai pada Indonesia and other banks is adequate as of
tanggal-tanggal 31 Desember 2024 dan 2023. December 31, 2024 and 2023.
Pada tanggal-tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, there were no
tidak terdapat penempatan yang dijaminkan. placements pledged as collateral.
Informasi mengenai kualitas kredit dan sisa jangka Information with respect to credit quality and
waktu atas penempatan pada Bank Indonesia dan maturities placements with Bank Indonesia and
bank lain diungkapkan pada Catatan 40. other banks are disclosed in Note 40.
8. EFEK-EFEK 8. MARKETABLE SECURITIES
Efek-efek terdiri dari: Securities consist of:
a. Berdasarkan jenis a. By type
31 Desember/ 31 Desember/
December 31, 2024 December 31, 2023
Nilai wajar/ Nilai wajar/
Nilai tercatat/ Nilai tercatat/
Nilai nominal/ Fair value/ Nilai nominal/ Fair value/
Nominal value Carrying value Nominal value Carrying value
Biaya Perolehan diamortisasi Amortized cost
Rupiah Rupiah
Obligasi Korporasi 414.000 420.193 875.000 889.316 Corporate Bonds
Total - biaya perolehan
diamortisasi 414.000 420.193 875.000 889.316 Total - amortized cost
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi Pemerintah 1.239.018 1.296.410 932.769 1.009.649 Government Bonds
Obligasi Korporasi 2.214.769 2.213.026 2.051.319 2.046.485 Corporate Bonds
SRBI 2.260.000 2.217.514 200.000 196.133 SRBI
Mata uang asing Foreign currency
Obligasi Pemerintah 144.082 132.717 76.708 65.479 Government Bonds
SVBI 96.570 96.282 - - SVBI
Total nilai wajar melalui Total - fair value through
penghasilan komprehensif other comprehensive
lain 5.954.439 5.955.949 3.260.796 3.317.746 income
Nilai wajar melalui Fair value through
laba rugi profit or loss
Rupiah Rupiah
Obligasi Pemerintah 71.081 74.045 26.018 28.354 Government Bonds
Reksadana 82.049 92.659 100.000 107.011 Mutual Funds
Mata uang asing Foreign currency
Obligasi Pemerintah 16.916 14.377 26.098 27.194 Government Bonds
Total - nilai wajar melalui Total - fair value through
laba rugi 170.046 181.081 152.116 162.559 profit or loss
Total 6.538.485 6.557.223 4.287.912 4.369.621 Total
Dikurangi: cadangan Less: Allowance
kerugian penurunan nilai - (9) - (25) for impairment losses
Neto 6.538.485 6.557.214 4.287.912 4.369.596 Net
60
Page 463
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
b. Berdasarkan golongan penerbit efek-efek b. By corporate securities and mutual funds issuer
korporasi dan reksadana
31 Desember 2024/December 31, 2024
Nilai tercatat/Nilai wajar/
Carrying amount/Fair value
Nilai wajar
melalui
penghasilan
komprehensif Nilai wajar
lain/ melalui
Fair value laba rugi/
Biaya perolehan through other Fair value
diamortisasi/ comprehensive through
Amortized cost income profit or loss Jumlah/Total
Rupiah Rupiah
BUMN 415.002 1.526.528 - 1.941.530 State-owned enterprise
Bank - 34.904 - 34.904 Banks
Lainnya 5.191 651.594 92.659 749.444 Others
Total 420.193 2.213.026 92.659 2.725.878 Total
31 Desember 2023/December 31, 2023
Nilai tercatat/Nilai wajar/
Carrying amount/Fair value
Nilai wajar
melalui
penghasilan
komprehensif Nilai wajar
lain/ melalui
Fair value laba rugi/
Biaya perolehan through other Fair value
diamortisasi/ comprehensive through
Amortized cost income profit or loss Jumlah/Total
Rupiah Rupiah
BUMN 793.354 1.435.775 - 2.229.129 State-owned enterprise
Bank 50.000 10.006 - 60.006 Banks
Lainnya 45.962 600.704 107.011 753.677 Others
Total 889.316 2.046.485 107.011 3.042.812 Total
61
Page 464
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
c. Berdasarkan peringkat efek obligasi korporasi c. By corporate securities issuer and mutual funds
dan reksadana ratings
Efek-efek korporasi berdasarkan peringkat dari Corporate securities based on ratings from
PT Pemeringkat Efek Indonesia (PT Pefindo) PT Pemeringkat Efek Indonesia (PT Pefindo)
dan PT Fitch Ratings Indonesia adalah sebagai and PT Fitch Ratings Indonesia are as follows:
berikut:
Nilai tercatat/nilai wajar/
Carrying value/fair value
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Biaya perolehan diamortisasi Amortized cost
idAAA 304.866 575.519 idAAA
idAA 55.106 15.253 idAA
IdAA- 34.401 34.579 idAA-
idAA+ 25.820 168.754 idAA+
AA - 90.000 AA
AAA - 5.211 AAA
420.193 889.316
Nilai wajar melalui laba rugi Fair value through
penghasilan komprehensif lain other comprehensive income
idAAA 1.268.983 984.576 idAAA
idAA+ 301.100 381.230 idAA+
idA 270.328 274.055 idA
idBB- 149.310 - idBB-
idAA 86.714 49.555 idAA
idA+ 75.951 74.644 idA+
idAA- 50.634 55.076 idAA-
idBBB 10.006 10.006 idBBB
idCCC - 137.959 idCCC
AAA - 49.698 AAA
AA - 29.686 AA
2.213.026 2.046.485
Fair value through
Nilai wajar melalui laba rugi profit or loss
Tanpa peringkat *) 92.659 107.011 Non-rated *)
*) *)
terdiri dari reksadana Consists of mutual funds
62
Page 465
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan obligasi pemerintah d. Based on government bonds
Nilai tercatat/Carrying value
31 Desember/ 31 Desember/
Tanggal jatuh tempo/ Suku bunga/ December 31, December 31,
Maturity date Interest rate 2024 2023
Suku bunga tetap/Fixed rate
Nilai wajar melalui penghasilan
komprehensif lain/ Fair value through
other comprehensive income
Rupiah
FR 0052 15 Agustus 2030/August 15, 2030 10,50% 113.481 116.977
FR 0075 15 Mei 2038/May 15, 2038 7,50% 97.205 74.608
FR 0100 15 Februari 2043/February 15, 2043 6,625% 96.978 8.050
FR 0101 15 April 2029/April 15, 2029 6,875% 88.488 354.521
FR 0058 15 Juni 2032/June 15, 2032 8,25% 80.961 83.550
FR 0103 15 Juli 2035/July 15, 2035 6,75% 78.520 -
FR 0104 15 Juli 2030/July 15, 2030 6,50% 68.312 -
FR 0079 15 April 2039/April 15, 2039 8,38% 66.557 11.492
FR 0087 15 Februari 2031/February 15, 2031 6,50% 58.382 9.971
FR 0050 15 Juli 2038/July 15, 2038 10,50% 56.632 58.222
FR 0045 15 Mei 2037/May 15, 2037 9,75% 53.688 55.638
FR 0072 15 Mei 2036/May 15, 2036 8,25% 53.464 3.728
FR 0098 15 Juni 2038/June 15, 2038 7,125% 50.197 10.461
FR 0091 15 April 2032/April 15, 2032 6,375% 49.293 31.656
FR 0068 15 Maret 2034/March 15, 2034 8,375% 43.558 11.433
FR 0083 15 April 2040/April 15, 2040 7,50% 31.043 10.685
FR 0040 15 September 2025/September 15, 2025 11,00% 30.770 32.129
FR 0097 15 Juni 2043/June 15, 2043 7,125% 28.613 9.318
FR 0080 15 Juni 2035/June 15, 2035 7,50% 25.708 10.692
FR 0054 15 Juli 2031/July 15, 2031 9,50% 22.593 23.395
FR 0071 15 Maret 2029/March 15, 2029 9,00% 19.593 19.593
FR 0073 15 Mei 2031/May 15, 2031 8,75% 18.470 7.837
FR 0078 15 Mei 2029/May 15, 2029 8,25% 14.626 15.076
FR 0059 15 Mei 2027/May 15, 2027 7,00% 14.033 4.009
FR 0081 15 Mei 2025/May 15, 2025 6,50% 12.960 12.960
FR 0082 15 September 2030/September 15, 2030 7,00% 9.986 10.632
FR 0095 15 Agustus 2033/August 15, 2033 6,375% 9.461 9.741
FR 0093 15 Juli 2037/July 15, 2037 6,375% 2.838 2.922
FR 0096 15 Februari 2033/February 15, 2033 7,00% - 10.353
1.296.410 1.009.649
Suku bunga tetap/Fixed rate
Nilai wajar melalui penghasilan
komprehensif lain/ Fair value through
other comprehensive income
Mata uang asing/Foreign currency
INDON31N 28 Juli 2031/July 28, 2031 2,15% 53.104 51.943
INDON35 12 Oktober 2035/October 12, 2035 8,50% 19.996 -
INDOIS34 2 Juli 2034/July 2, 2034 5,20% 15.956 -
INDON28 11 January 2028/January 11, 2028 4,55% 15.355 -
INDON34N 10 September 2034/September 10, 2034 4,75% 15.269 -
INDON30O 14 Februari 2030/February 14, 2030 2,85% 13.037 13.536
132.717 65.479
63
Page 466
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan obligasi pemerintah (lanjutan) d. Based on government bonds (continued)
Nilai tercatat/Carrying value
31 Desember/ 31 Desember/
Tanggal jatuh tempo/ Suku bunga/ December 31, December 31,
Maturity date Interest rate 2024 2023
Suku bunga tetap/Fixed rate
Nilai wajar melalui laba rugi/
Fair value through profit or loss
Rupiah
FR 0074 15 Agustus 2032/August 15, 2032 7,50% 6.671 28
FR 0072 15 Mei 2036/May 15, 2036 8,25% 6.282 552
FR 0073 15 Mei 2031/May 15, 2031 8,75% 5.845 448
FR 0083 15 April 2040/April 15, 2040 7,50% 5.784 1.020
FR 0091 15 April 2032/April 15, 2032 6,375% 5.647 131
FR 0082 15 September 2030/September 15, 2030 7,00% 5.318 328
FR 0093 15 Juli 2037/July 15, 2037 6,375% 5.284 1.943
FR 0096 15 Februari 2033/February 15, 2033 7,00% 5.135 -
FR 0081 15 Juni 2025/June 15, 2025 6,50% 4.782 1.894
FR 0045 15 Mei 2037/May 15, 2037 9,75% 2.623 2.718
FR 0058 15 Juni 2032/June 15, 2032 8,25% 2.610 1.649
FR 0050 15 Juli 2038/July 15, 2038 10,50% 2.574 2.646
FR 0068 15 Maret 2034/March 15, 2034 8,375% 2.309 322
FR 0052 15 Agustus 2030/August 15, 2030 10,50% 1.943 2.363
FR 0080 15 Juni 2035/June 15, 2035 7,50% 1.923 321
FR 0078 15 Mei 2029/May 15, 2029 8,25% 1.619 1.885
ORI026T6 15 Oktober 2030/October 15, 2030 6,40% 1.151 -
FR 0071 15 Maret 2029/March 15, 2029 9,00% 1.143 1.197
FR 0054 15 Juli 2031/July 15, 2031 9,50% 1.133 1.173
FR 0087 15 Februari 2031/February 15, 2031 6,50% 1.092 442
FR 0103 15 Juli 2035/July 15, 2035 6,75% 1.040 -
FR 0101 15 April 2029/April 15, 2029 6,875% 616 813
FR 0098 15 Juni 2038/June 15, 2038 7,125% 477 486
FR 0095 15 Agustus 2028/August 15, 2028 6,375% 378 4.383
FR 0097 15 Juni 2043/June 15, 2043 7,125% 200 844
FR 0079 15 April 2039/April 15, 2039 8,375% 189 667
SR021T5 10 September 2029/September 10, 2029 6,45% 118 -
FR 0059 15 Mei 2027/May 15, 2027 7,00% 75 -
SR021T3 10 September 2027/September 10, 2027 6,35% 41 -
ORI026T3 15 Oktober 2027/October 15, 2027 6,30% 30 -
PBS032 15 Juli 2026/July 15, 2026 4,875% 13 -
FR 0100 15 Februari 2034/February 15, 2034 6,625% - 101
74.045 28.354
Suku bunga tetap/Fixed rate
Nilai wajar melalui laba rugi/
Fair value through profit or loss
Mata uang asing/Foreign currency
INDON31N 28 Juli 2031/July 28, 2031 2,15% 13.011 12.986
INDON35 12 Oktober 2035/October 12, 2035 8,50% 1.260 14.208
INDON30O 14 Februari 2030/February 14, 2030 2,85% 106 -
14.377 27.194
Total 1.517.549 1.130.676
64
Page 467
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
e. Berdasarkan tingkat suku bunga rata-rata per e. Based on average interest rate per annum
tahun
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
Obligasi Pemerintah 7,62% 7,95% Government Bonds
Obligasi Korporasi 7,51% 7,61% Corporate Bonds
SRBI 7,04% 5,75% SRBI
Dolar Amerika Serikat United States Dollar
Obligasi Pemerintah 4,26% 4,20% Government Bonds
SVBI 4,74% - SVBI
f. Mutasi nilai tercatat dan cadangan kerugian f. Movement of carrying amount and allowance for
penurunan nilai impairment losses
Mutasi nilai tercatat efek-efek dengan klasifikasi Movement of carrying value of securities
biaya perolehan diamortisasi (semua efek-efek classified as amortized cost (all securities
dengan klasifikasi biaya perolehan diamortisasi classified as amortized cost are stage 1) are as
adalah stage 1) adalah sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 889.316 1.545.117 Beginning balance
Pengukuran kembali (8.123) (12.801) Remeasurement
Aset keuangan yang dihentikan
pengakuannya (461.000) (643.000) Financial assets derecognized
Saldo akhir 420.193 889.316 Ending balance
Mutasi cadangan kerugian penurunan nilai Movement of allowance of impairment losses of
efek-efek dengan klasifikasi biaya perolehan securities classified as amortized cost (all
diamortisasi (semua efek-efek dengan securities classified as amortized cost are stage
klasifikasi biaya perolehan diamortisasi adalah 1) are as follows:
stage 1) adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 25 92 Beginning balance
Pengukuran kembali (5) (49) Remeasurement
Aset keuangan yang dihentikan
pengakuannya (11) (18) Financial assets derecognized
Saldo akhir 9 25 Ending balance
65
Page 468
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
f. Mutasi nilai tercatat dan cadangan kerugian f. Movement of carrying amount and allowance for
penurunan nilai (lanjutan) impairment losses (continued)
Mutasi nilai tercatat efek-efek dengan klasifikasi Movement of carrying value of securities
nilai wajar melalui penghasilan komprehensif classified as fair value through other
lain adalah sebagai berikut: comprehensive income are as follows:
31 Desember 2024/December 31, 2024
Stage 1 Stage 2 Stage 3 Total
Saldo awal 3.179.787 137.959 - 3.317.746 Beginning balance
Pengalihan ke Transfer to
Stage 1 - - - - Stage 1
Stage 2 - - - - Stage 2
Stage 3 - - - - Stage 3
Pengukuran kembali 80.147 11.350 - 91.497 Remeasurement
Aset keuangan baru yang dibeli 4.924.355 - - 4.924.355 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (2.384.775) - - (2.384.775) Financial assets derecognized
Selisih kurs dan perubahan Foreign exchange and
lain pengakuannya 7.126 - - 7.126 other movements
Saldo akhir 5.806.640 149.309 - 5.955.949 Ending balance
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 3.412.741 - - 3.412.741 Beginning balance
Pengalihan ke Transfer to
Stage 1 (150.659) 150.659 - - Stage 1
Stage 2 - - - - Stage 2
Stage 3 - - - - Stage 3
Pengukuran kembali (91.149) (12.700) - (103.849) Remeasurement
Aset keuangan baru yang dibeli 1.460.319 - - 1.460.319 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (1.450.650) - - (1.450.650) Financial assets derecognized
Selisih kurs dan perubahan Foreign exchange and
lain pengakuannya (815) - - (815) other movements
Saldo akhir 3.179.787 137.959 - 3.317.746 Ending balance
Mutasi cadangan kerugian penurunan nilai Movement of allowance of impairment losses of
efek-efek dengan klasifikasi nilai wajar melalui securities classified as fair value through other
penghasilan komprehensif lain adalah sebagai comprehensive income are as follows:
berikut:
31 Desember 2024/December 31, 2024
Stage 1 Stage 2 Stage 3 Total
Saldo awal 566 11.438 - 12.004 Beginning balance
Pengalihan ke Transfer to
Stage 1 - - - - Stage 1
Stage 2 - - - - Stage 2
Stage 3 - - - - Stage 3
Pengukuran kembali (214) 213 - (1) Remeasurement
Aset keuangan baru yang dibeli 12 - - 12 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (8) - - (8) Financial assets derecognized
Saldo akhir 356 11.651 - 12.007 Ending balance
66
Page 469
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
f. Mutasi nilai tercatat dan cadangan kerugian f. Movement of carrying amount and allowance for
penurunan nilai (lanjutan) impairment losses (continued)
Mutasi cadangan kerugian penurunan nilai Movement of allowance of impairment losses of
efek-efek dengan klasifikasi nilai wajar melalui securities classified as fair value through other
penghasilan komprehensif lain adalah sebagai comprehensive income are as follows:
berikut: (lanjutan) (continued)
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 731 - - 731 Beginning balance
Pengalihan ke Transfer to
Stage 1 (201) 201 - - Stage 1
Stage 2 - - - - Stage 2
Stage 3 - - - - Stage 3
Pengukuran kembali 40 11.237 - 11.277 Remeasurement
Aset keuangan baru yang dibeli - - - - New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (4) - - (4) Financial assets derecognized
Saldo akhir 566 11.438 - 12.004 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai efek-efek allowance for impairment losses on marketable
yang dibentuk telah memadai pada tanggal- securities is adequate as of December 31, 2024
tanggal 31 Desember 2024 dan 2023. and 2023.
g. Informasi lain g. Other information
Perubahan keuntungan (kerugian) yang belum Unrealized gains (losses) from changes in fair
direalisasi atas perubahan nilai wajar dan values and allowance for of securities classified
cadangan atas efek-efek yang diklasifikasikan as fair value through other comprehensive
sebagai nilai wajar melalui penghasilan income are as follows:
komprehensif lain adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal, sebelum pajak Beginning balance,
tangguhan 252 (75.138) before deferred tax
Penambahan keuntungan
(kerugian) yang belum Increase in unrealized gain
direalisasi selama (loss) during
tahun berjalan (33.136) 64.117 the year
Penambahan cadangan Increase in allowance
kerugian penurunan nilai 3 11.273 for impairment losses
Total sebelum pajak tangguhan (32.881) 252 Total before deferred tax
Pajak tangguhan 9.875 2.589 Deferred tax
Saldo akhir (23.006) 2.841 Ending balance
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, all of the
2023, seluruh efek-efek adalah diterbitkan oleh marketable securities are issued by the third
pihak ketiga. parties.
Pada tanggal 31 Desember 2023 terdapat As of December 31, 2023 there were securities
transaksi efek-efek yang dijual dengan janji transaction sold under repurchase agreement
dibeli kembali dengan nilai nominal sebesar with nominal amount of Rp250,000 (Notes 21).
Rp250.000 (Catatan 21).
67
Page 470
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
g. Informasi lain (lanjutan) g. Other information (continued)
Informasi mengenai sisa jangka waktu dan Information regarding maturities and credit
kualitas kredit atas efek-efek diungkapkan quality of marketable securities is disclosed in
masing-masing pada Catatan 40. Note 40.
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER RESALE
DIJUAL KEMBALI AGREEMENTS
31 Desember/December 31, 2024
Pendapatan
Nilai bunga yang
penjualan belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortized Carrying
Counterparty Type of securities amount Starting date Due date amount interest value
Pihak ketiga/
Third parties
Obligasi Pemerintah 50.000 27 Desember/ 3 Januari/ 49.462 (17) 49.445
Bank Indonesia VR 0034_A/ December 27, January 3,
Government bonds 2024 2025
VR 0034_A
Obligasi Pemerintah 100.000 30 Desember/ 6 Januari/ 98.153 (82) 98.071
Bank Indonesia VR 0042/ December 30, January 6,
Government bonds 2024 2025
VR 0034_A
Obligasi Pemerintah 100.000 31 Desember/ 7 Januari/ 99.003 (99) 98.904
Bank Indonesia VR 0034_A / December 31, January 7,
Government bonds 2024 2025
VR 0034_A
Total 250.000 246.618 (198 ) 246.420
31 Desember/December 31, 2023
Pendapatan
Nilai bunga yang
penjualan belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortized Carrying
Counterparty Type of securities amount Starting date Due date amount interest value
Pihak ketiga/
Third parties
Obligasi Pemerintah 500.000 27 Desember/ 3 Januari/ 479.454 (240) 479.214
Bank Indonesia VR 0034_A/ December 27, January 3,
Government bonds 2023 2024
VR 0034_A
Obligasi Pemerintah 600.000 28 Desember/ 4 Januari/ 574.808 (382) 574.426
Bank Indonesia VR 0054/ December 28, January 4,
Government bonds 2023 2024
VR 0054
Obligasi Pemerintah 50.000 29 Desember/ 4 Januari/ 47.741 (33) 47.708
PT Bank Victoria FR 0081_A/ December 29, January 4,
International Tbk Government bonds 2023 2024
FR 0081_A
Obligasi Pemerintah 100.000 29 Desember/ 5 Januari/ 95.499 (83) 95.416
PT Bank Victoria FR 0081_A/ December 29, January 5,
International Tbk Government bonds 2023 2024
FR 0081_A
Obligasi Pemerintah 1.000.000 29 Desember/ 5 Januari/ 950.223 (790) 949.433
Bank Indonesia VR 0042/ December 29, January 5,
Government bonds 2023 2024
VR 0042
Total 2.250.000 2.147.725 (1.528 ) 2.146.197
68
Page 471
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER RESALE
DIJUAL KEMBALI (lanjutan) AGREEMENTS (continued)
Informasi mengenai sisa jangka waktu dan kualitas Information regarding maturities, and credit quality
kredit atas efek-efek yang dibeli dengan janji dijual of securities purchased under resale agreements
kembali diungkapkan di Catatan 40. are disclosed in Note 40.
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, all securities
2023, seluruh efek-efek yang dibeli dengan janji purchased under resale agreements classified as
dijual kembali diklasifikasikan sebagai biaya amortized cost and stage 1.
perolehan diamortisasi dan digolongkan dalam
stage 1.
Manajemen Bank berpendapat bahwa jumlah The Bank’s management believes that
cadangan kerugian penurunan nilai untuk efek-efek the allowance for impairment losses for securities
yang dibeli dengan janji dijual kembali pada tanggal purchased under resale agreements as of
31 Desember 2024 dan 2023 tidak diperlukan. December 31, 2024 and 2023 is not required.
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, no securities
2023, tidak terdapat efek-efek yang dibeli dengan purchased under resale agreements which are
janji dijual kembali yang dijaminkan. pledged as collateral.
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the average
2023, tingkat suku bunga rata-rata per tahun adalah interest rate was 6.00% and 6.05%, respectively.
sebesar 6,00% dan 6,05%.
10. KREDIT YANG DIBERIKAN 10. LOANS
a. Berdasarkan jenis a. By type
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak Berelasi Related Parties
Rupiah Rupiah
Modal Kerja 291.725 166.945 Working Capital
Investasi 23.752 - Investment
Konsumsi 504 711 Consumer
315.981 167.656
Pihak Ketiga Third Parties
Rupiah Rupiah
Modal Kerja 7.932.912 7.187.733 Working Capital
Investasi 4.179.910 4.859.162 Investment
Konsumsi 667.393 427.999 Consumer
12.780.215 12.474.894
Dolar Amerika Serikat United States Dollar
Modal Kerja 54.246 34.636 Working Capital
Total 13.150.442 12.677.186 Total
Cadangan kerugian penurunan nilai (311.514) (335.229) Allowance for impairment losses
Neto 12.838.928 12.341.957 Net
69
Page 472
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
b. Berdasarkan sektor ekonomi b. By economic sector
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Perdagangan, restoran
dan hotel 3.688.544 3.574.529 Trading, restaurant and hotel
Industri pengolahan
dan manufaktur 3.343.703 2.549.930 Industry processing and manufacturing
Jasa-jasa dunia usaha 2.276.148 1.821.239 Business services
Konstruksi 781.149 912.679 Construction
Jasa-jasa kemasyarakatan 647.187 324.178 Social/public services
Pertanian dan perkebunan 616.158 921.315 Agriculture and plantation
Pertambangan 583.351 959.221 Mining
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 397.100 658.356 and communication
Listrik, gas dan air 103.302 241.302 Electricity, gas and water
Lain-lain 713.800 714.437 Others
Total 13.150.442 12.677.186 Total
Cadangan kerugian penurunan nilai (311.514) (335.229) Allowance for impairment losses
Neto 12.838.928 12.341.957 Net
c. Berdasarkan jangka waktu perjanjian kredit c. By term of credit agreements
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
≤ 1 tahun 6.912.240 3.359.537 ≤ 1 year
> 1-2 tahun 320.540 1.758.048 > 1-2 years
> 2-5 tahun 2.173.726 3.298.602 > 2-5 years
> 5 tahun 3.743.936 4.260.999 > 5 years
Total 13.150.442 12.677.186 Total
Cadangan kerugian penurunan nilai (311.514) (335.229) Allowance for impairment losses
Neto 12.838.928 12.341.957 Net
d. Berdasarkan jatuh tempo d. By maturity date
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
≤ 1 tahun 6.943.714 6.227.402 ≤ 1 year
> 1- 2 tahun 630.382 247.539 > 1- 2 years
> 2- 5 tahun 2.241.127 2.695.873 > 2- 5 years
> 5 tahun 3.335.219 3.506.372 > 5 years
Total 13.150.442 12.677.186 Total
Cadangan kerugian penurunan nilai (311.514) (335.229) Allowance for impairment losses
Neto 12.838.928 12.341.957 Net
70
Page 473
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
e. Berdasarkan penilaian secara kolektif dan e. By assessment as collective and individual
individual
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Individual 1.093.686 408.957 Individual
Kolektif 12.056.756 12.268.229 Collective
Total 13.150.442 12.677.186 Total
Cadangan kerugian penurunan nilai (311.514) (335.229) Allowance for impairment losses
Neto 12.838.928 12.341.957 Net
f. Mutasi nilai tercatat f. Movement of carrying value
Mutasi nilai tercatat kredit yang diberikan Movement of carrying value of loans classified
dengan klasifikasi biaya perolehan diamortisasi as amortized cost based on stage are as
berdasarkan stage adalah sebagai berikut: follows:
31 Desember 2024/December 31, 2024
Stage 1 Stage 2 Stage 3 Total
Biaya perolehan diamortisasi Amortized cost
Saldo awal 12.043.647 182.826 450.713 12.677.186 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (328.304) 145.209 183.095 - (stage 1)
Transfer dari kerugian kredit
ekspektasian sepanjang umurnya - Transfer from lifetime expected
tidak mengalami penurunan credit loss- unimpaired
nilai (stage 2) 880 (135.049) 134.169 - (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 4.739 39.351 (44.090) - loans (stage 3)
Total saldo awal Total beginning
setelah pengalihan 11.720.962 232.337 723.887 12.677.186 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 6.527.124 105.133 196.371 6.828.628 issued or purchased
Aset keuangan yang dibayar dan Financial assets paid
dihentikan pengakuannya (5.870.328) (62.771) (209.350) (6.142.449) and derecognized
Aset keuangan yang
dihapus buku - - (211.685 ) (211.685) Financial assets written off
Selisih kurs dan Foreign exchange
perubahan lainnya (1.238) - - (1.238) and other movements
Saldo akhir 12.376.520 274.699 499.223 13.150.442 Ending balance
71
Page 474
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
f. Mutasi nilai tercatat (lanjutan) f. Movement of carrying value (continued)
Mutasi nilai tercatat kredit yang diberikan Movement of carrying value of loans classified
dengan klasifikasi biaya perolehan diamortisasi as amortized cost based on stage are as
berdasarkan stage adalah sebagai berikut: follows: (continued)
(lanjutan)
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Biaya perolehan diamortisasi Amortized cost
Saldo awal 9.197.327 334.957 216.961 9.749.245 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (268.401) 124.419 143.982 - (stage 1)
Transfer dari kerugian kredit
ekspektasian sepanjang umurnya - Transfer from lifetime expected
tidak mengalami penurunan credit loss- unimpaired
nilai (stage 2) 236.942 (288.174) 51.232 - (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 19 9.961 (9.980) - loans (stage 3)
Total saldo awal Total beginning
setelah pengalihan 9.165.887 181.163 402.195 9.749.245 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 5.594.798 33.426 88.591 5.611.676 issued or purchased
Aset keuangan yang dibayar dan
Financial assets paid
dihentikan pengakuannya (2.717.436 ) (31.763) (34.219) (2.783.418) and derecognized
Aset keuangan yang
dihapus buku - - (5.854) (5.854) Financial assets written off
Selisih kurs dan Foreign exchange
perubahan lainnya 398 - - 398 and other movements
Saldo akhir 12.043.647 182.826 450.713 12.677.186 Ending balance
g. Cadangan kerugian penurunan nilai g. Allowance for impairment losses
Mutasi dalam cadangan kerugian penurunan The movements in the allowance for impairment
nilai kredit yang diberikan adalah sebagai losses are as follows:
berikut:
31 Desember 2024/December 31, 2024
Stage 1 Stage 2 Stage 3 Total
Saldo awal 59.144 43.384 232.701 335.229 Beginning balance
Pengalihan dari Transfer from:
Kerugian kredit
ekspektasian 12 bulan Expected credit loss
(stage 1) (2.314) 875 1.439 - 12 months (stage 1)
Kerugian kredit ekspektasian
sepanjang umurnya -
tidak mengalami penurunan Lifetime expected credit loss
nilai (stage 2) 73 (28.997) 28.924 - - unimpaired (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 287 9.636 (9.923) - loans (stage 3)
Total saldo awal
setelah pengalihan 57.190 24.898 253.141 335.229 Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian 7.420 10.093 234.004 251.517 Net remeasurement of allowance
Aset keuangan baru yang New financial assets issued
diterbitkan atau dibeli 56.274 8.607 93.706 158.587 or purchased
Aset keuangan yang dibayar dan Financial assets paid
dihentikan pengakuannya(*) (20.735) (14.387) (186.546) (221.668) and derecognized(*)
Total penambahan 42.959 4.313 141.164 188.436 Total addition
Aset keuangan yang dihapus buku - - (211.685) (211.685) Financial assets written off
Selisih kurs dan Foreign exchange
perubahan lainnya (466) - - (466) and other movements
Saldo akhir 99.683 29.211 182.620 311.514 Ending balance
72
Page 475
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
g. Cadangan kerugian penurunan nilai (lanjutan) g. Allowance for impairment losses (continued)
Mutasi dalam cadangan kerugian penurunan The movements in the allowance for impairment
nilai kredit yang diberikan adalah sebagai losses are as follows: (continued)
berikut: (lanjutan)
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 34.340 64.419 138.808 237.567 Beginning balance
Pengalihan dari Transfer from:
Kerugian kredit
ekspektasian 12 bulan Expected credit loss
(stage 1) (1.417) 632 785 - 12 months (stage 1)
Kerugian kredit ekspektasian
sepanjang umurnya -
tidak mengalami penurunan Lifetime expected credit loss
nilai (stage 2) 44.866 (56.902) 12.036 - - unimpaired (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 11 8.506 (8.517) - loans (stage 3)
Total saldo awal
setelah pengalihan 77.800 16.655 143.112 237.567 Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian (40.580) 21.863 111.010 92.293 Net remeasurement of allowance
Aset keuangan baru yang New financial assets issued
diterbitkan atau dibeli 27.382 10.097 913 38.392 or purchased
Aset keuangan yang dibayar dan Financial assets paid
dihentikan pengakuannya (5.496) (5.231) (16.480) (27.207) and derecognized
Total penambahan (18.694) 26.729 95.443 103.478 Total addition
Aset keuangan yang dihapus buku - - (5.854) (5.854) Financial assets written off
Selisih kurs dan Foreign exchange
perubahan lainnya 38 - - 38 and other movements
Saldo akhir 59.144 43.384 232.701 335.229 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai kredit yang allowance for impairment losses on loans
diberikan yang dibentuk telah memadai pada is adequate as of December 31, 2024 and
tanggal-tanggal 31 Desember 2024 dan 2023. 2023.
h. Informasi lainnya h. Other information
i. Kredit yang diberikan kepada karyawan i. Loans to the Bank’s employees are loans
Bank merupakan kredit konsumsi dengan for consumptive purpose with period from
jangka waktu 1 tahun sampai 13 tahun 1 year until 13 years with the interest rate
dengan tingkat suku bunga per tahun range per annum were 0.00% - 10.21%
berkisar antara 0,00% - 10,21% yang which repayment through monthly salary
pelunasannya dilakukan melalui deductions.
pemotongan gaji setiap bulan.
73
Page 476
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
h. Informasi lainnya (lanjutan) h. Other information (continued)
ii. Kredit dijamin antara lain dengan deposito, ii. Loans are generally collateralized by
jaminan hipotik, mesin-mesin, kendaraan, deposits, registered mortgages,
piutang usaha dan persediaan. Manajemen machineries, vehicle, receivables and
berpendapat bahwa agunan yang diterima inventory. Management believes that the
atas kredit yang diberikan cukup untuk collateral received on loans is adequate to
menutup kerugian yang mungkin timbul cover possible losses from uncollectible
akibat tidak tertagihnya kredit yang loans. As of December 31, 2024 and 2023,
diberikan. Pada tanggal-tanggal loans has been secured by cash collateral
31 Desember 2024 dan 2023, kredit telah in form of time deposits amounting to
dijamin oleh jaminan tunai berupa deposito Rp737,284 and Rp500,310, respectively
dengan nilai masing-masing sebesar (Note 19).
Rp737.284 dan Rp500.310 (Catatan 19).
iii. Pada tanggal-tanggal 31 Desember 2024 iii. As of December 31, 2024 and 2023, the
dan 2023, saldo kredit yang direstrukturisasi balance of loans restructured amounting to
masing-masing sebesar Rp743.757 dan Rp743,757 and Rp366,173, with
Rp366.173 dengan cadangan kerugian allowance of impairment losses amounting
penurunan nilai masing-masing sebesar to Rp40,172 and Rp84,217, respectively.
Rp40.172 dan Rp84.217.
Skema restrukturisasi kredit terutama terdiri Loan restructuring scheme mainly
dari penurunan suku bunga, perpanjangan consists of reduction of interest rates,
jangka waktu, perpanjangan jangka waktu extension of loan maturity dates, extension
dan penurunan suku bunga, perpanjangan of loan maturity dates and reduction of
jangka waktu dan skema restrukturisasi lain- interest rates, extension of loan maturity
lain. dates and other restructuring schemes.
Berikut ini adalah jenis dan jumlah kredit Below are the types and amounts of
yang direstrukturisasi: restructured loans:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Penurunan suku bunga 6.424 54.533 Reduction of interest rates
Perpanjangan jangka waktu 368.503 12.100 Extension of loan maturity dates
Perpanjangan jangka waktu Extension of loan maturity dates
dan skema restrukturisasi and other restructuring
lain-lain 368.830 299.540 schemes
Total 743.757 366.173 Total
74
Page 477
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. PIUTANG BUNGA 11. INTEREST RECEIVABLES
Rincian piutang bunga adalah sebagai berikut: The details of interest receivables are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak berelasi (Catatan 36) Related parties (Note 36)
Kredit yang diberikan 523 195 Loans
Pihak ketiga Third parties
Efek-efek 51.359 47.957 Marketable securities
Kredit yang diberikan 42.938 39.928 Loans
Penempatan pada Bank Placement with Bank
Indonesia dan bank lain 463 892 Indonesia and other banks
Total 95.283 88.972 Total
12. TAGIHAN DAN LIABILITAS AKSEPTASI 12. ACCEPTANCE RECEIVABLES AND LIABILITIES
Tagihan dan liabilitas akseptasi merupakan Acceptance receivables and payables represent
akseptasi wesel impor atas dasar letters of credit acceptances arising from import bills, supported by
berjangka yang berasal dari nasabah pihak ketiga letters of credit, which are received from third party
dengan rincian sebagai berikut: customers, with details as follows:
a. Tagihan akseptasi a. Acceptance receivables
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 60.343 83.113 Rupiah
Mata uang asing - 9.995 Foreign currencies
Total 60.343 93.108 Total
Cadangan kerugian penurunan nilai (57) (88) Allowance for impairment losses
Saldo akhir 60.286 93.020 Ending balance
Mutasi tagihan akseptasi (semua tagihan Movement of acceptance receivables (all
akseptasi dengan klasifikasi biaya perolehan acceptance receivable classified as amortized
diamortisasi adalah stage 1) untuk tahun yang cost are stage 1) and allowance for impairment
berakhir pada tanggal 31 Desember 2024 dan losses for the year ended December 31, 2024
2023 adalah sebagai berikut: and 2023 are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 93.108 113.418 Beginning balance
Aset keuangan yang baru dibeli 703.178 645.666 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (742.140) (674.075) Financial assets derecognized
Selisih kurs dan perubahan lainnya 6.197 8.099 Foreign exchange and other movements
Saldo akhir 60.343 93.108 Ending balance
75
Page 478
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
12. TAGIHAN DAN LIABILITAS AKSEPTASI 12. ACCEPTANCE RECEIVABLES AND LIABILITIES
(lanjutan) (continued)
a. Tagihan akseptasi (lanjutan) a. Acceptance receivables (continued)
Mutasi cadangan kerugian penurunan nilai Movement of allowance of impairment losses
tagihan akseptasi (semua tagihan akseptasi of acceptance receivables (all acceptance
dengan klasifikasi biaya perolehan diamortisasi receivable classified as amortized cost are
adalah stage 1) untuk tahun yang berakhir pada stage 1) and allowance for impairment losses
tanggal 31 Desember 2024 dan 2023 adalah for the year ended December 31, 2024 and
sebagai berikut: 2023 are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 88 92 Beginning balance
Aset keuangan yang baru dibeli 57 88 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (88) (92) Financial assets derecognized
Saldo akhir 57 88 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai yang impairment lossesis adequate to cover
dibentuk cukup untuk menutup kerugian yang possible losses arising from uncollectible
mungkin timbul akibat tidak tertagihnya tagihan acceptance receivable.
akseptasi.
b. Liabilitas akseptasi b. Acceptance liabilities
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 60.343 83.113 Rupiah
Mata uang asing - 9.995 Foreign currencies
Saldo akhir 60.343 93.108 Ending balance
13. TAGIHAN TRANSAKSI PERDAGANGAN 13. RECEIVABLES FROM TRADE TRANSACTIONS
Rincian tagihan transaksi perdagangan adalah Details of receivables trade transactions are as
sebagai berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pihak ketiga Third parties
Rupiah Rupiah
Tagihan anjak piutang 82.567 105.408 Factoring receivables
L/C usance diskonto 44.401 - Discounted L/C at usance
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
L/C sight nego 148.014 - Negotiation L/C at sight
Total 274.982 105.408 Total
Cadangan kerugian
penurunan nilai (142) (95) Allowance for impairment losses
Neto 274.840 105.313 Net
76
Page 479
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. TAGIHAN TRANSAKSI PERDAGANGAN 13. RECEIVABLES FROM TRADE TRANSACTIONS
(lanjutan) (continued)
Berdasarkan jangka waktu By tenor
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
≤ 1 tahun 274.982 105.408 ≤ 1 year
Cadangan kerugian
penurunan nilai (142) (95) Allowance for impairment losses
Neto 274.840 105.313 Net
Berdasarkan jatuh tempo By maturity date
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
≤ 1 tahun 274.982 105.408 ≤ 1 year
Cadangan kerugian
penurunan nilai (142) (95) Allowance for impairment losses
Neto 274.840 105.313 Net
Mutasi nilai tercatat tagihan transaksi perdagangan Movement of carrying value of receivables from
dengan klasifikasi biaya perolehan diamortisasi trade transactions classified as amortized cost (all
(semua tagihan transaksi perdagangan dengan receivables from trade transactions classified as
klasifikasi biaya perolehan diamortisasi adalah amortized cost are stage 1) are as follows:
stage 1) adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 105.408 166.886 Beginning balance
Aset keuangan yang baru dibeli 294.268 105.408 New financial assets purchased
Aset keuangan yang dihentikan
Pengakuannya (124.694) (166.886) Financial assets derecognized
Saldo akhir 274.982 105.408 Ending balance
Tagihan anjak piutang merupakan tagihan atas Factoring receivables represents trade transactions
transaksi perdagangan dari pihak ketiga yang dibeli receivable from third parties which purchased by the
oleh Bank dari penjual tagihan. Jangka waktu Bank from sellers of receivables. The term of
tagihan anjak piutang berkisar antara 1-4 bulan. factoring receivables ranges from 1-4 months.
77
Page 480
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. TAGIHAN TRANSAKSI PERDAGANGAN 13. RECEIVABLES FROM TRADE TRANSACTIONS
(lanjutan) (continued)
Mutasi cadangan kerugian penurunan nilai tagihan Movement of allowance for impairment losses of
transaksi perdagangan dengan klasifikasi biaya receivables from trade transactions classified as
perolehan diamortisasi (semua tagihan transaksi amortized cost (all receivables from trade
perdagangan dengan klasifikasi biaya perolehan transactions classified as amortized cost are stage
diamortisasi adalah stage 1) adalah sebagai berikut: 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 95 126 Beginning balance
Aset keuangan yang baru dibeli 155 95 New financial assets purchased
Aset keuangan yang dihentikan
Pengakuannya (108) (126) Financial assets derecognized
Saldo akhir 142 95 Ending balance
Manajemen berpendapat bahwa jumlah cadangan Management believes that the allowance for
kerugian penurunan nilai yang dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kerugian yang mungkin timbul akibat tidak losses arising from uncollectible receivables form
tertagihnya tagihan transaksi perdagangan. trade transactions.
14. TAGIHAN DAN LIABILITAS DERIVATIF 14. DERIVATIVES RECEIVABLE AND PAYABLE
Rincian transaksi derivatif pada mata uang asing Detail of foreign currency derivative transactions are
adalah sebagai berikut: as follows:
31 Desember/December 31, 2024
Jumlah nosional Nilai wajar/
mata uang asing Fair value
(jumlah penuh)/
Notional amount Tagihan Liabilitas
in foreign Derivatif/ Derivatif/
currency Derivative Derivatives
Pihak (full amount) receivable payable Counterparties
Pihak berelasi Related parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 4.648.270 374 238 PT Kreta Indo Artha
Total Forward mata uang asing 374 238 Total Foreign currency forward
Swap mata uang asing Foreign currency swap
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 2.055.900 - 889 PT Kreta Indo Artha
Total Swap mata uang asing - 889 Total Foreign currency swap
Spot mata uang asing Foreign currency spot
Dolar Amerika Serikat United States Dollar
PT Bank Danamon Indonesia Tbk 1.300.000 65 - PT Bank Danamon Indonesia Tbk
PT Bank SMBC Indonesia Tbk 2.500.000 135 - PT Bank SMBC Indonesia Tbk
Total Spot mata uang asing 200 - Total Foreign currency spot
574 1.127
78
Page 481
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
14. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan) 14. DERIVATIVES RECEIVABLE AND PAYABLE
(continued)
31 Desember/December 31, 2023
Jumlah nosional Nilai wajar/
mata uang asing Fair value
(jumlah penuh)/
Notional amount Tagihan Liabilitas
in foreign Derivatif/ Derivatif/
currency Derivative Derivatives
Pihak (full amount) receivable payable Counterparties
Pihak berelasi Related parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 5.553.268 722 - PT Kreta Indo Artha
Total Forward mata uang asing 722 - Total Foreign currency forward
Swap mata uang asing Foreign currency swap
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 1.556.880 634 - PT Kreta Indo Artha
Total Swap mata uang asing 634 - Total Foreign currency swap
Pihak ketiga Third parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Bank Danamon Indonesia Tbk 1.500.000 - 53 PT Bank Danamon Indonesia Tbk
PT Indomas Multi Kreasi 233.405 23 - PT Indomas Multi Kreasi
Total Forward mata uang asing 23 53 Total Foreign currency forward
Spot mata uang asing Foreign currency spot
Dolar Amerika Serikat United States Dollar
PT Bank Permata Tbk 100.000 - 4 PT Bank Permata Tbk
PT Bank Danamon Indonesia Tbk 700.000 - 28 PT Bank Danamon Indonesia Tbk
PT Bank Anz Indonesia 2.000.000 92 - PT Bank Anz Indonesia
Pound Sterling Inggris Great Britain Pound Sterling
PT Bank Permata Tbk 50.000 - 5 PT Bank Permata Tbk
Total Spot mata uang asing 92 37 Total Foreign currency spot
1.471 90
Jangka waktu kontrak-kontrak tersebut di atas The period of these contracts ranged between
berkisar antara 3 hari - 184 hari. 3 days - 184 days.
Informasi mengenai sisa umur jatuh tempo Information with respect to maturity is disclosed in
diungkapkan pada Catatan 40. Note 40.
15. BEBAN DIBAYAR DIMUKA 15. PREPAID EXPENSES
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Jasa pemeliharaan software 8.151 2.492 Software maintenance fee
Sewa 1.115 1.937 Rent
Promosi 1.110 888 Promotion
Iuran keanggotaan 971 - Membership fee
Pemeliharaan gedung 789 427 Building maintenance
Asuransi 713 492 Insurance
Lain-lain 1.632 1.748 Others
Total 14.481 7.984 Total
79
Page 482
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. ASET TETAP DAN ASET HAK GUNA - NETO 16. FIXED ASSETS AND RIGHTS OF USE ASSETS -
NET
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Aset tetap - neto 139.820 62.460 Fixed assets - net
Aset hak guna - neto 98.343 58.598 Rights of use assets - net
Total 238.163 121.058 Total
Aset tetap Fixed assets
31 Desember/December 31, 2024
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasiflkasi/ Ending
Balance Additions Disposals Reclassification Balance
Kepemilikan langsung Direct ownership
Biaya perolehan Cost
Bangunan - 15.511 - - 15.511 Buildings
Perangkat keras dan lunak 79.267 11.219 (552) 10.317 100.251 Hardware and software
Leasehold improvement 33.649 9.280 (936) 21.048 63.041 Leasehold improvement
Perabotan dan peralatan Office furniture and
kantor 24.264 20.996 (1.026) 1.829 46.063 equipment
Kendaraan bermotor 1.491 7.265 (533) - 8.223 Vehicles
138.671 64.271 (3.047) 33.194 233.089
Aset tetap Fixed assets
dalam pembangunan 12.517 42.182 - (33.194) 21.505 under construction
Total 151.188 106.453 (3.047) - 254.594 Total
Akumulasi penyusutan Accumulated depreciation
Perangkat keras dan lunak 50.389 15.912 (546) - 65.755 Hardware and software
Leasehold improvement 22.193 7.894 (936) - 29.151 Leasehold improvement
Perlengkapan dan peralatan Office furniture and
kantor 15.350 4.751 (937) - 19.164 equipment
Kendaraan bermotor 796 441 (533) - 704 Vehicles
Total akumulasi penyusutan 88.728 28.998 (2.952) - 114.774 Total accumulated depreciation
Nilai buku bersih 62.460 139.820 Net book value
31 Desember/December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasiflkasi/ Ending
Balance Additions Disposals Reclassification Balance
Kepemilikan langsung Direct ownership
Biaya perolehan Cost
Perangkat keras dan lunak 66.554 11.677 (184) 1.220 79.267 Hardware and software
Leasehold improvement 25.850 3.264 - 4.535 33.649 Leasehold improvement
Perabotan dan peralatan Office furniture and
kantor 19.827 4.592 (316) 161 24.264 equipment
Kendaraan bermotor 780 711 - - 1.491 Vehicles
113.011 20.244 (500) 5.916 138.671
Aset tetap Fixed assets
dalam pembangunan 5.030 13.403 - (5.916) 12.517 under construction
Total 118.041 33.647 (500) - 151.188 Total
Kepemilikan langsung Direct ownership
Akumulasi penyusutan Accumulated depreciation
Perangkat keras dan lunak 37.320 13.253 (184) - 50.389 Hardware and software
Leasehold improvement 14.774 7.419 - - 22.193 Leasehold improvement
Perlengkapan dan peralatan Office furniture and
kantor 12.868 2.798 (316) - 15.350 equipment
Kendaraan bermotor 756 40 - - 796 Vehicles
Total akumulasi penyusutan 65.718 23.510 (500) - 88.728 Total accumulated depreciation
Nilai buku bersih 52.323 62.460 Net book value
80
Page 483
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. ASET TETAP DAN ASET HAK GUNA- NETO 16. FIXED ASSETS AND RIGHTS OF USE ASSETS-
(lanjutan) NET (continued)
Aset tetap (lanjutan) Fixed assets (continued)
Aset tetap dalam pembangunan merupakan Fixed assets under construction is related to
renovasi atas kantor cabang dan biaya several branch office renovation and software
pengembangan perangkat lunak dengan estimasi development, with estimated percentage of
persentase penyelesaian sebagai berikut: completion as follows:
31 Desember 2024/December 31, 2024
Estimasi tahun Kisaran persentase
penyelesaian/ penyelesaian/
Jumlah/ Estimated year Range percentage of
Amount of completion completion
Aset tetap dalam pembangunan 21.505 2025 25%-95% Fixed assets under construction
31 Desember 2023/December 31, 2023
Estimasi tahun Kisaran persentase
penyelesaian/ penyelesaian/
Jumlah/ Estimated year Range percentage of
Amount of completion completion
Aset tetap dalam pembangunan 12.517 2024 20%-95% Fixed assets under construction
Penambahan aset tetap pada tanggal-tanggal Additions of fixed assets as of December 31, 2024
31 Desember 2024 dan 2023 terdiri dari renovasi and 2023 consists of renovation of branch office
bangunan kantor cabang, kursi, meja, AC, buildings, chairs, desks, AC, computers, laptops
komputer, laptop dan printer yang digunakan untuk and printers that used for the Bank’s operational
aktivitas operasional Bank. activities.
Beban penyusutan aset tetap adalah sebesar Depreciation expense charged to operations
Rp28.998 dan Rp23.510 masing-masing untuk amounted to Rp28,998 and Rp23,510 for the year
tahun yang berakhir pada tanggal-tanggal ended December 31, 2024 and 2023 respectively
31 Desember 2024 dan 2023 (Catatan 33). (Note 33).
Pada tanggal-tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the gross
jumlah tercatat bruto dari setiap aset tetap yang amount of fixed assets which have been fully
telah disusutkan penuh dan masih digunakan depreciated and are still being used amounted to
masing-masing adalah sebesar Rp53.287 dan Rp53,287 and Rp44,335 respectively.
Rp44.335.
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2024 the Bank
31 Desember 2024, Bank menjual aset tetapnya sold fixed assets with carrying amount amounting to
dengan nilai tercatat sebesar Rp95 dengan harga Rp95 with selling price amounting to Rp324.
jual sebesar Rp324.
Aset tetap Bank diasuransikan terhadap risiko Fixed assets of the Bank were insured against risk
kebakaran, gempa bumi, huru-hara, pencurian dan of fire, eathquake, chaos, theft and other risks to
risiko lainnya kepada perusahaan asuransi, yaitu insurance companies which are PT Asuransi
PT Asuransi Central Asia (pihak berelasi) sebesar Central Asia (related party) with sum insured
Rp68.917 dan Rp80.148 masing-masing pada Rp68,917 and Rp80,148 as of December 31, 2024
tanggal 31 Desember 2024 dan 2023. Manajemen and 2023, respectively. Management believes that
berpendapat bahwa nilai pertanggungan tersebut the insurance coverage is adequate to cover
cukup untuk menutup kemungkinan kerugian atas possible losses on the assets insured.
aset yang dipertanggungkan.
Manajemen berpendapat bahwa tidak terdapat Management believes that there are no events or
peristiwa atau perubahan keadaan yang mungkin changes in circumstances that may raise indications
menimbulkan indikasi penurunan nilai aset tetap, of impairment in value of fixed assets, thus no
sehingga tidak dibentuk cadangan kerugian allowance for impairment losses was provided as of
penurunan nilai pada tanggal-tanggal 31 Desember December 31, 2024 and 2023.
2024 dan 2023.
81
Page 484
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. ASET TETAP DAN ASET HAK GUNA- NETO 16. FIXED ASSETS AND RIGHTS OF USE ASSETS-
(lanjutan) NET (continued)
Aset tetap (lanjutan) Fixed Assets (continued)
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there were no
2023, tidak terdapat aset tetap Bank yang fixed assets pledged as collateral.
dijaminkan.
Aset hak guna Rights of use assets
Aset hak guna pada tanggal 31 Desember 2024 Rights of use assets as of December 31, 2024 are
adalah sebagai berikut: as follows:
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Harga perolehan Cost
Bangunan 93.268 46.009 - 139.277 Buildings
Komputer dan mesin 43.666 5.830 - 49.496 Computer and machine
Kendaraan bermotor 11.919 21.165 - 33.084 Vehicles
Total harga perolehan 148.853 73.004 - 221.857 Total cost
Akumulasi penyusutan Accumulated depreciation
Bangunan 56.694 20.125 - 76.819 Buildings
Komputer dan mesin 22.603 9.084 - 31.687 Computer and machine
Kendaraan bermotor 10.958 4.050 - 15.008 Vehicles
Total akumulasi penyusutan 90.255 33.259 - 123.514 Total accumulated depreciation
Nilai buku 58.598 98.343 Book value
Beban aset hak guna yang dilaporkan dalam Rights of use expense disclosed in the statement
laporan laba rugi dan penghasilan komprehensif of profit or loss and other comprehensive income
lainnya pada tahun yang berakhir pada tanggal for the year ended December 31, 2024 are as
31 Desember 2024 adalah sebagai berikut: follows:
Beban penyusutan Beban bunga atas
aset hak guna/ liabilitas sewa/
Rights of use assets Interest expense on
depreciation expense lease liabilities
Bangunan 20.125 1.035 Buildings
Komputer dan mesin 9.084 2.199 Computer and machine
Kendaraan bermotor 4.050 1.417 Vehicles
Total 33.259 4.651 Total
Aset hak guna pada tanggal 31 Desember 2023 Rights of use assets as of December 31, 2023 are
adalah sebagai berikut: as follows:
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Harga perolehan Cost
Bangunan 68.494 24.774 - 93.268 Buildings
Komputer dan mesin 28.070 15.596 - 43.666 Computer and machine
Kendaraan bermotor 11.919 - - 11.919 Vehicles
Total harga perolehan 108.483 40.370 - 148.853 Total cost
Akumulasi penyusutan Accumulated depreciation
Bangunan 36.583 20.111 - 56.694 Buildings
Komputer dan mesin 13.831 8.772 - 22.603 Computer and machine
Kendaraan bermotor 8.392 2.566 - 10.958 Vehicles
Total akumulasi penyusutan 58.806 31.449 - 90.255 Total accumulated depreciation
Nilai buku 49.677 58.598 Book value
82
Page 485
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. ASET TETAP DAN ASET HAK GUNA- NETO 16. FIXED ASSETS AND RIGHTS OF USE ASSETS-
(lanjutan) NET (continued)
Aset hak guna (lanjutan) Rights of use assets (continued)
Beban aset hak guna yang dilaporkan dalam Rights of use expense disclosed in the statement
laporan laba rugi dan penghasilan komprehensif of profit or loss and other comprehensive income
lainnya pada tahun yang berakhir pada tanggal for the year ended December 31, 2023 are as
31 Desember 2023 adalah sebagai berikut: follows:
Beban penyusutan Beban bunga atas
aset hak guna/ liabilitas sewa/
Rights of use assets Interest expense on
depreciation expense lease liabilities
Bangunan 20.111 1.184 Buildings
Komputer dan mesin 8.772 2.613 Computer and machine
Kendaraan bermotor 2.566 200 Vehicles
Total 31.449 3.997 Total
Aset hak guna pada tanggal-tanggal 31 Desember Right of use assets as of December 31, 2024 and
2024 dan 2023 merupakan kontrak sewa atas 2023 represent lease contracts for branch office
bangunan kantor cabang, mobil, komputer, mesin buildings, cars, computers, money sorting
sortir uang, EDC, ATM, dan CDM baik dengan pihak machines, EDC, ATM, and CDM both with related
berelasi maupun pihak ketiga. parties and third parties.
Bank melakukan perjanjian sewa aset dengan Bank entered into an asset lease agreement with
syarat dan ketentuan yang diantaranya mencakup terms and conditions which include the lease
periode sewa berkisar antara 1- 5 tahun, memiliki period rainging from 1- 5 years, having an option
opsi perpanjangan masa sewa, tidak memiliki opsi to extend the lease term, do not include early-
early-termination dan tidak memiliki opsi pembelian termination option and do not include a purchase
diakhir masa sewa. option at the end of the lease term.
Bank juga memiliki sewa tertentu dengan masa The Bank also has certain leases with terms of
sewa 12 bulan atau kurang dan sewa aset bernilai 12 months or less and leases of low value assets.
rendah. Bank menerapkan pengecualian untuk The Bank applies exemptions for short-term and
sewa jangka pendek dan sewa bernilai rendah untuk low-value leases for these leases.
sewa tersebut.
17. ASET LAIN-LAIN 17. OTHER ASSETS
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Agunan yang diambil alih 119.633 37.132 Foreclosed collateral
Piutang ATM 35.146 3.085 ATM receivables
Setoran jaminan 17.291 7.268 Security deposits
Setoran dalam perjalanan 13.487 - Deposit in transit
Persediaan kantor 4.266 3.065 Office inventories
Lain-lain 9.839 2.799 Others
Total 199.662 53.349 Total
83
Page 486
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
17. ASET LAIN-LAIN (lanjutan) 17. OTHER ASSETS (continued)
Agunan yang diambil alih (AYDA) adalah aset yang Foreclosed collateral (AYDA) is an asset obtained
diperoleh Bank, baik melalui pelelangan maupun di by the Bank, either through auction or outside the
luar pelelangan berdasarkan penyerahan secara auction based on voluntary submission by the
sukarela oleh pemilik agunan atau berdasarkan owner of the collateral or based on the power to sell
kuasa untuk menjual di luar lelang dari pemilik outside the auction from the owner of the collateral
agunan dalam hal debitur tidak memenuhi in the event that the debtor does not fulfill his
liabilitasnya kepada Bank. Agunan yang diambil alih obligations to the Bank. Foreclosed collateral mainly
terutama terdiri dari tanah dan bangunan. consists of land and buildings.
Bank telah melakukan upaya penyelesaian atas The Bank has made efforts to settle the foreclosed
agunan yang diambil alih dengan melakukan upaya assets by making sales efforts in the form of
penjualan dalam bentuk lelang atau auctions or takeover of collateral by investors for the
pengambilalihan agunan oleh investor atas agunan foreclosed assets.
yang diambil alih.
Aset lain-lain dari pihak berelasi pada Other assets from related parties as of December
tanggal-tanggal 31 Desember 2024 dan 31, 2024 and 2023, are Rp4,938 and Rp3,540,
2023 adalah masing-masing sebesar Rp4.938 dan respectively (Note 36).
Rp3.540 (Catatan 36).
18. LIABILITAS SEGERA 18. LIABILITIES DUE IMMEDIATELY
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Tarikan dana ATM Bersama 11.086 26.605 ATM Bersama - withdrawal
Titipan dan transfer 11.697 247 Deposit and transfer
Bunga deposito jatuh tempo 34 24 Matured time deposits - interest
Lain-lain 19 1.560 Others
Total 22.836 28.436 Total
19. SIMPANAN DARI NASABAH 19. DEPOSITS FROM CUSTOMERS
31 Desember/
December 31, 2024
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Giro 1.732.492 2.026.491 3.758.983 Current accounts
Deposito 1.730.694 12.871.824 14.602.518 Time deposits
Tabungan 2.645 801.044 803.689 Saving accounts
3.465.831 15.699.359 19.165.190
Mata uang asing Foreign currencies
Giro 31.604 323.181 354.785 Current accounts
Deposito 2.321 583.156 585.477 Time deposits
Tabungan 188 21.576 21.764 Saving accounts
34.113 927.913 962.026
Total 3.499.944 16.627.272 20.127.216 Total
84
Page 487
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI NASABAH (lanjutan) 19. DEPOSITS FROM CUSTOMERS (continued)
31 Desember/
December 31, 2023
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Giro 3.558.213 1.819.243 5.377.456 Current accounts
Deposito 1.481.221 11.087.245 12.568.466 Time deposits
Tabungan 2.683 684.810 687.493 Saving accounts
5.042.117 13.591.298 18.633.415
Mata uang asing Foreign currencies
Giro 147.200 71.156 218.356 Current accounts
Deposito 11.106 445.060 456.166 Time deposits
Tabungan 86 7.886 7.972 Saving accounts
158.392 524.102 682.494
Total 5.200.509 14.115.400 19.315.909 Total
a. Giro a. Current accounts
Tingkat suku bunga per tahun adalah sebagai The interest rate range per annum are as
berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 0,00% - 6,25% 0,00-6,25% Rupiah
Dolar Amerika Serikat 0,00% - 5,00% 0,00-5,00% United States Dollar
Dolar Singapura 0,00% - 0,50% 0,00% Singapore Dollar
Dolar Australia 0,00% - 0,25% 0,00-0,25% Australian Dollar
Euro Eropa 0,00% - 0,10% 0,00-0,10% European Euro
Renminbi China - 0,00% Chinese Renminbi
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there were
2023, tidak terdapat giro yang dijadikan jaminan no current accounts pledged as collateral for
atas kredit yang diberikan dan bank garansi loans and bank guarantee issued.
diterbitkan.
Giro dari pihak yang berelasi diungkapkan Current accounts from related parties are
dalam Catatan 36. Informasi mengenai jatuh disclosed in Note 36. Information with respect
tempo diungkapkan pada Catatan 40. to maturities is disclosed in Note 40.
b. Tabungan b. Saving accounts
31 Desember/
December 31, 2024
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Tabina Perdana 2.372 694.370 696.742 Tabina Perdana
Tabina Berjangka 64 9.703 9.767 Tabina Berjangka
Tabina Eksekutif - 82.911 82.911 Tabina Eksekutif
Tabungan Pinter - 5.574 5.574 Tabungan Pinter
Tabunganku - 2.415 2.415 Tabunganku
Tabungan Simpel - 11 11 Tabungan Simpel
Tabina Digital 209 6.060 6.269 Tabina Digital
2.645 801.044 803.689
Mata uang asing Foreign currencies
Tabina Perdana 188 21.576 21.764 Tabina Perdana
Total 2.833 822.620 825.453 Total
85
Page 488
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI NASABAH (lanjutan) 19. DEPOSITS FROM CUSTOMERS (continued)
b. Tabungan (lanjutan) b. Saving accounts (continued)
31 Desember/
December 31, 2023
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Tabina Perdana 2.635 613.687 616.322 Tabina Perdana
Tabina Berjangka 48 6.688 6.736 Tabina Berjangka
Tabina Eksekutif - 51.144 51.144 Tabina Eksekutif
Tabungan Pinter - 5.361 5.361 Tabungan Pinter
Tabunganku - 2.261 2.261 Tabunganku
Tabungan Simpel Zero - 3.137 3.137 Tabungan Simpel Zero
Tabungan Simpel - 421 421 Tabungan Simpel
Tabina Digital - 2.111 2.111 Tabina Digital
2.683 684.810 687.493
Mata uang asing Foreign currencies
Tabina Perdana 86 7.886 7.972 Tabina Perdana
Total 2.769 692.696 695.465 Total
Tingkat suku bunga per tahun adalah sebagai The interest rate range per annum were as
berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 0,94% 0,91% Rupiah
Dolar Amerika Serikat 0,43% 0,46% United States Dollar
Dolar Singapura 0,00% 0,00% Singapore Dollar
Euro Eropa 0,00% 0,00% European Euro
Yen Jepang 0,00% 0,00% Japanese Yen
Dolar Australia 0,01% 0,00% Australian Dollar
Renminbi China 0,00% 0,00% Chinese Renminbi
Pound Sterling Inggris 0,00% 0,00% Great Britain Poundsterling
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there were
2023, tidak terdapat tabungan yang dijadikan no saving accounts pledged as collateral for
jaminan atas kredit yang diberikan dan bank loans and bank guarantee issued.
garansi yang diterbitkan.
Tabungan dari pihak-pihak berelasi Saving accounts from related parties are
diungkapkan dalam Catatan 36. Informasi disclosed in Note 36. Information in respect of
mengenai jatuh tempo diungkapkan pada maturities is disclosed in Note 40.
Catatan 40.
c. Deposito c. Time Deposits
Deposito terdiri dari: Time deposits consist of:
31 Desember/
December 31, 2024
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Deposito berjangka 1.425.744 12.568.454 13.994.198 Time deposits
Deposit on call 304.950 303.370 608.320 Deposit on call
1.730.694 12.871.824 14.602.518
Mata uang asing Foreign currencies
Deposito berjangka 2.321 573.499 575.820 Time deposits
Deposit on call - 9.657 9.657 Deposit on call
Total 1.733.015 13.454.980 15.187.995 Total
86
Page 489
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI NASABAH (lanjutan) 19. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito (lanjutan) c. Time Deposits (continued)
Deposito terdiri dari: (lanjutan) Time deposits consist of: (continued)
31 Desember/
December 31, 2023
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Deposito berjangka 50.000 185.000 235.000 Time deposits
Deposit on call 1.431.221 10.902.245 12.333.466 Deposit on call
1.481.221 11.087.245 12.568.466
Mata uang asing Foreign currencies
Deposito berjangka 11.106 445.060 456.166 Time deposits
Total 1.492.327 11.532.305 13.024.632 Total
Berdasarkan jangka waktu kontrak: By periods of contract:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
≤ 1 bulan 8.617.792 8.288.634 ≤ 1 month
> 1 - 3 bulan 4.451.028 3.764.811 > 1 - 3 months
> 3 - 6 bulan 1.066.375 700.934 > 3 - 6 months
> 6 - 12 bulan 1.052.800 270.253 > 6 - 12 months
Total 15.187.995 13.024.632 Total
Berdasarkan jatuh tempo: By maturity date:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
≤ 1 bulan 10.350.043 9.963.917 ≤ 1 month
> 1 - 3 bulan 3.538.161 2.530.503 > 1 - 3 months
> 3 - 6 bulan 813.431 387.230 > 3 - 6 months
> 6 - 12 bulan 486.360 142.982 > 6 - 12 months
Total 15.187.995 13.024.632 Total
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023 time
2023, jumlah deposito yang dijaminkan sebagai deposits pledged as loan collaterals amounted
jaminan kredit yang diberikan masing-masing to Rp737,284 and Rp500,310 respectively
sebesar Rp737.284 dan Rp500.310 (Catatan (Note 10). While as of December 31, 2024 and
10). Sedangkan pada tanggal-tanggal 2023, time deposits pledged as Bank
31 Desember 2024 dan 2023, jumlah deposito Guarantee issued collaterals amounted to
yang dijaminkan sebagai jaminan Bank Garansi Rp89,207 and Rp53,152, respectively (Note
diterbitkan masing-masing sebesar Rp89.207 35).
dan Rp53.152 (Catatan 35).
87
Page 490
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI NASABAH (lanjutan) 19. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito (lanjutan) c. Time Deposits (continued)
Tingkat suku bunga per tahun adalah sebagai The interest rate range per annum were as
berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah 5,74% 5,49% Rupiah
Dolar Amerika Serikat 3,66% 3,18% United States Dollar
Euro Eropa 0,15% 0,15% European Euro
Dolar Singapura - 1,00% Singapore Dollar
Deposito berjangka dari pihak-pihak berelasi Time deposits from related parties are
diungkapkan dalam Catatan 36. Informasi disclosed in Note 36. Information with respect
mengenai jatuh tempo diungkapkan pada to maturities is disclosed in Note 40.
Catatan 40.
20. SIMPANAN DARI BANK LAIN 20. DEPOSITS FROM OTHER BANKS
Seluruh simpanan dari bank lain merupakan All deposits from other banks are third parties
transaksi dengan pihak ketiga dalam mata uang transactions in Rupiah currency, consist of:
Rupiah, terdiri dari:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Interbank call money 296.570 625.000 Interbank call money
Deposito berjangka 66.500 304.900 Time deposits
Giro 36.436 15.480 Current accounts
Tabungan 5.902 21.210 Savings
Total 405.408 966.590 Total
a. Giro a. Current accounts
Tingkat suku bunga per tahun atas giro masing- The interest rate range per annum of
masing berkisar antara 0,50% - 4,50% untuk 0.50% - 4.50% for December 31, 2024 and
31 Desember 2024 dan 2023. 2023, respectively.
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there were
2023, tidak terdapat giro yang dijadikan no current accounts pledged as collateral.
jaminan.
88
Page 491
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
20. SIMPANAN DARI BANK LAIN (lanjutan) 20. DEPOSITS FROM OTHER BANKS (continued)
b. Deposito b. Time Deposits
Berdasarkan jatuh tempo: By maturity date:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
≤ 1 bulan 66.500 304.900 ≤ 1 month
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there were
2023, tidak terdapat deposito dari bank lain no time deposits from other banks pledged as
yang dijadikan jaminan. collateral.
Tingkat suku bunga per tahun masing-masing The interest rate range per annum of
berkisar antara 4,25% - 6,25% dan 4.25% - 6.25% and 4.25% - 6.50% as of
4,25% - 6,50% untuk 31 Desember 2024 dan December 31, 2024 and 2023, respectively.
2023.
Informasi mengenai jatuh tempo diungkapkan Information with respect to maturities are
pada Catatan 40. disclosed in Note 40.
c. Interbank call money c. Interbank call money
Tingkat suku bunga per tahun masing- masing The interest rate range per annum of
berkisar antara 4,61% - 6,35% dan 5,98% - 4.61% - 6.35% and 5.98% - 6.35% for
6,35% untuk 31 Desember 2024 dan 2023. December 31, 2024 and 2023, respectively.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, there were
tidak terdapat interbank call money yang no interbank call money pledged as collateral.
dijadikan jaminan.
Informasi mengenai jatuh tempo diungkapkan Information with respect to maturities are
pada Catatan 40. disclosed in Note 40.
21. EFEK-EFEK YANG DIJUAL DENGAN JANJI 21. SECURITIES SOLD UNDER REPURCHASE
DIBELI KEMBALI AGREEMENTS
31 Desember/December 31, 2023
Beban
Nilai bunga yang
pembelian belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchase Unamortized Carrying
Counterparty Type of securities amount Starting date Due date amount interest value
Pihak ketiga/
Third parties
Obligasi Pemerintah 100.000 28 Desember/ 4 Januari/ 96.851 (1.323 ) 95.528
PT Bank Victoria FR 0101/ December 28, January 4,
International Tbk Government bonds 2023 2024
FR 0101
Obligasi Pemerintah 50.000 28 Desember/ 4 Januari/ 48.425 (662 ) 47.763
PT Bank Victoria FR 0101/ December 28, January 4,
International Tbk Government bonds 2023 2024
FR 0101
Obligasi Pemerintah 100.000 29 Desember/ 8 Januari/ 97.094 (1.358 ) 95.736
PT Bank FR 0101/ December 29, January 8,
Nasionalnobu Tbk Government bonds 2023 2024
FR 0101
Total 250.000 242.370 (3.343 ) 239.027
Pada tanggal 31 Desember 2023, tingkat suku As of December 31, 2023, the average interest
bunga rata-rata per tahun adalah sebesar 6,13%. rate was 6.13%.
89
Page 492
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN 22. TAXATION
a. Pajak dibayar dimuka a. Prepaid Tax
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pajak penghasilan Income taxes
Pasal 28 23.718 - Article 28
Total 23.718 - Total
b. Utang pajak b. Taxes payable
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Pajak penghasilan Income taxes
Pasal 4 (2) 17.775 17.839 Article 4 (2)
Pasal 21 3.283 3.955 Article 21
Pasal 23 206 61 Article 23
Pasal 25 2.534 3.393 Article 25
Pasal 26 25 6 Article 26
Pasal 29 - 622 Article 29
Pajak pertambahan nilai 81 48 Value-added taxes
Total 23.904 25.924 Total
c. Beban (manfaat) pajak terdiri dari: c. Tax expense (benefit) consist of:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Pajak kini 14.798 61.258 Current tax
Tahun lalu dari hasil
pemeriksaan pajak 1.029 - Prior year tax examination
Pajak tangguhan 9.788 (1.603) Deferred tax
Total 25.615 59.655 Total
90
Page 493
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
c. Rekonsiliasi antara laba sebelum beban pajak c. The reconciliation between income before tax
penghasilan menurut laporan laba rugi dan expense as shown in the statement of profit or
penghasilan komprehensif lain dengan laba loss and other comprehensive income and
kena pajak pada tanggal-tanggal 31 Desember estimated taxable income as of December 31,
2024 dan 2023, adalah sebagai berikut: 2024 and 2023 are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Laba sebelum beban pajak 107.463 267.531 Income before tax expense
Beda temporer: Temporary differences:
Cadangan kerugian Allowance
penurunan nilai for impairment losses of
kredit yang diberikan (44.010) (10.007) loans
Cadangan bonus dan tunjangan lain (7.576) 5.230 Bonus accrual and other allowances
Cadangan kerugian Allowance
penurunan nilai for impairment losses of
aset keuangan selain financial assets
kredit yang diberikan 464 14.458 other than loans
Imbalan kerja jangka panjang -
neto 6.835 5.144 Long-term benefits - net
Penyusutan aset tetap 70 (67) Depreciation of fixed assets
Penyusutan aset hak guna Depreciation of rights-of-use assets
dan beban bunga and interest expense on
liabilitas sewa 2.195 740 lease liabilities
Provisi legal - (894) Legal provision
Keuntungan yang belum Unrealized gain on
direalisasi atas perubahan changes in fair value of
nilai wajar efek-efek yang marketable securities
diklasifikasikan sebagai nilai classified as fair value through
wajar melalui laba rugi (2.469) (7.315) profit and loss
Beda tetap: Permanent differences:
Beban umum dan administrasi 3.293 2.321 General and administrative expenses
Penyusutan atas aset tetap yang Depreciation of fixed assets
tidak dapat disusutkan that are
secara pajak 268 15 non deductible
Sumbangan dan hadiah 732 1.292 Donation and gifts
Taksiran laba kena pajak 67.265 278.448 Estimated taxable income
Beban pajak penghasilan 14.798 61.258 Corporate income tax expense
Pajak penghasilan yang Income tax
dibayar - pasal 25 (38.516) (60.636) paid - article 25
(Lebih bayar) utang pajak Corporate income tax
penghasilan badan (23.718) 622 (overpayment) payable
Perhitungan taksiran penghasilan kena pajak Calculation of estimated taxable income for the
untuk tahun yang berakhir pada tanggal-tanggal year ended December 31, 2024 were the basis
31 Desember 2024 menjadi dasar dalam for preparing annual tax returns for 2024.
pengisian Surat Pemberitahuan (SPT) Tahunan
2024.
Berdasarkan Undang-undang No. 7 Tahun Based on Law No. 7 Year 2021 dated October
2021 tanggal 29 Oktober 2021 tentang 29, 2021 on Harmonization of Taxation
Harmonisasi Peraturan Perpajakan, tarif pajak Regulation, income tax rate on Corporate
yang dikenakan atas penghasilan kena pajak taxpayer and Permanent Establishment’s
bagi Wajib Pajak badan dalam negeri dan taxable income is 22% which effective since
bentuk usaha tetap adalah sebesar 22% yang fiscal year 2022.
berlaku sejak tahun pajak 2022.
91
Page 494
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
d. Aset (Liabilitas) Pajak Tangguhan - Neto d. Deferred Tax Assets (Liabilities) - Net
Pengaruh pajak atas perbedaan temporer yang The tax effects on significant outstanding
signifikan antara pelaporan keuangan dan temporary differences between financial and tax
pajak adalah sebagai berikut: reporting purposes are as follows:
31 Desember 2024/December 31, 2024
Dikreditkan/
(dibebankan) ke
laporan laba rugi
komprehensif/
Credited/
(charged) to Dikreditkan/
statement of (dibebankan) ke
profit or loss ekuitas/
Saldo awal/ and other Credited/ Saldo akhir/
Beginning comprehensive (charged) to Ending
balance income equity balance
Imbalan kerja jangka panjang 4.767 1.504 (230) 6.041 Long-term benefits
Cadangan kerugian penurunan Allowance for impairment losses
nilai agunan yang diambil alih 4.182 - - 4.182 of foreclosed collateral
Penyusutan aset tetap 6 15 - 21 Depreciation of fixed assets
Cadangan kerugian penurunan Allowance for impairment losses
nilai kredit yang diberikan 9.683 (9.683) - - of loans
Cadangan kerugian penurunan Allowance for impairment losses
nilai aset keuangan selain on financial assets
kredit yang diberikan 5.310 102 - 5.412 other than loans
Keuntungan yang belum direalisasi Net unrealized gain from
atas perubahan nilai wajar change in fair value of
efek-efek yang diklasifikasikan marketable securities classified as
nilai wajar melalui laba rugi (1.436) (543) - (1.979) fair value through profit or loss
Cadangan bonus dan
tunjangan lainnya 6.903 (1.667) - 5.236 Bonus accrual and other allowances
Kerugian yang belum
direalisasi atas perubahan Net unrealized loss from
nilai wajar efek-efek change in fair value of
yang diklasifikasikan marketable securities classified
nilai wajar melalui penghasilan as fair value through other
komprehensif lain - neto 2.589 - 7.286 9.875 comprehensive income - net
Penyusutan aset hak guna Depreciation of rights-of-use assets
dan beban bunga and interest expense on
liabilitas sewa 713 484 - 1.197 lease liabilities
Neto 32.717 (9.788) 7.056 29.985 Net
31 Desember 2023/December 31, 2023
Dikreditkan/
(dibebankan) ke
laporan laba rugi
komprehensif/
Credited/
(charged) to Dikreditkan/
statement of (dibebankan) ke
profit or loss ekuitas/
Saldo awal/ and other Credited/ Saldo akhir/
Beginning comprehensive (charged) to Ending
balance income equity balance
Imbalan kerja jangka panjang 3.326 1.132 309 4.767 Long-term benefits
Cadangan kerugian penurunan Allowance for impairment losses
nilai agunan yang diambil alih 4.182 - - 4.182 of foreclosed collateral
Penyusutan aset tetap 21 (15) - 6 Depreciation of fixed assets
Provisi legal 196 (196) - - Legal provision
Cadangan kerugian penurunan Allowance for impairment losses
nilai kredit yang diberikan 11.885 (2.202) - 9.683 of loans
Cadangan kerugian penurunan Allowance for impairment losses
nilai aset keuangan selain on financial assets
kredit yang diberikan 2.130 3.180 - 5.310 other than loans
Keuntungan yang belum direalisasi Net unrealized gain from
atas perubahan nilai wajar change in fair value of
efek-efek yang diklasifikasikan marketable securities classified as
nilai wajar melalui laba rugi 173 (1.609) - (1.436) fair value through profit or loss
Cadangan bonus dan
tunjangan lainnya 5.752 1.151 - 6.903 Bonus accrual and other allowances
92
Page 495
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
d. Aset (Liabilitas) Pajak Tangguhan - Neto d. Deferred Tax Assets (Liabilities) - Net
(lanjutan) (continued)
31 Desember 2023/December 31, 2023
Dikreditkan/
(dibebankan) ke
laporan laba rugi
komprehensif/
Credited/
(charged) to Dikreditkan/
statement of (dibebankan) ke
profit or loss ekuitas/
Saldo awal/ and other Credited/ Saldo akhir/
Beginning comprehensive (charged) to Ending
balance income equity balance
Kerugian yang belum
direalisasi atas perubahan Net unrealized loss from
nilai wajar efek-efek change in fair value of
yang diklasifikasikan marketable securities classified
nilai wajar melalui penghasilan as fair value through other
komprehensif lain - neto 16.691 - (14.102) 2.589 comprehensive income - net
Penyusutan aset hak guna Depreciation of rights-of-use assets
dan beban bunga and interest expense on
liabilitas sewa 551 162 - 713 lease liabilities
Neto 44.907 1.603 (13.793) 32.717 Net
Berdasarkan Peraturan Menteri Keuangan Based on the Regulation of the Minister of
Republik Indonesia Nomor 74 Tahun 2024 Finance of the Republic of Indonesia Number 74
("PMK 74") tentang Pembentukan Cadangan Year 2024 ("PMK 74") concerning the
Piutang Tak Tertagih yang Boleh Dikurangkan Establishment of Reserves for Uncollectible
dari Penghasilan Bruto, terdapat perubahan Receivables that Can Be Deductible from Gross
pada ketentuan perhitungan penyisihan piutang Income, there are changes to the provisions for
tak tertagih yang boleh dikurangkan dari calculating the allowance for uncollectible
penghasilan bruto. Selisih lebih antara saldo receivables that can be deducted from gross
awal cadangan piutang tak tertagih tahun 2024 income. The excess difference between the
yang dihitung menggunakan PMK 74 dan saldo beginning balance of the 2024 uncollectible
akhir cadangan piutang tak tertagih tahun 2023 receivables reserve calculated using PMK 74
yang dihitung menggunakan peraturan and the ending balance of the 2023 uncollectible
sebelumnya diakui seluruhnya oleh Bank receivables reserve calculated using the
sebagai beban yang dapat dikurangkan pada previous regulation was fully recognized by the
tahun fiskal 2024. Terkait dengan hal tersebut, Bank as a deductible expense in the 2024 fiscal
aset pajak tangguhan yang dimanfaatkan Bank year. Related to this, the deferred tax assets
pada tahun fiskal 2024 adalah sebesar utilized by the Bank in fiscal year 2024 is
Rp9.683. Rp9,683.
93
Page 496
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
e. Rekonsiliasi Beban Pajak e. Tax Expense Reconciliation
Rekonsiliasi antara beban pajak dengan The reconciliation between the tax expense
menggunakan tarif pajak yang berlaku dari laba computed by applying the applicable tax rate on
sebelum beban pajak dan beban pajak - neto the income before tax expense and the tax
seperti yang disajikan dalam laporan laba rugi expense - net shown in the statement of profit
dan penghasilan komprehensif lainnya adalah or loss and other comprehensive income are as
sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Laba sebelum beban pajak 107.463 267.531 Income before tax
Beban pajak penghasilan Income tax expense at
dengan tarif pajak yang berlaku 23.642 58.857 the applicable tax rate
Beda tetap - neto 944 798 Permanent differences - net
Période lalu dari hasil
pemeriksaan pajak 1.029 - Prior year tax examination
Beban pajak - neto 25.615 59.655 Tax expense - net
f. Pemeriksaan Pajak f. Tax Examination
Berdasarkan Undang-Undang Perpajakan yang Under the prevailing Taxation Laws of
berlaku di Indonesia, Bank menghitung, Indonesia, the Bank calculates, determines and
menetapkan dan membayar sendiri besarnya pays tax payable based on self-assessment.
jumlah pajak yang terutang. Direktur Jenderal The Directorate General of Taxes (“DGT”) may
Pajak (“DJP”) dapat menetapkan atau assess or amend taxes within 5 (five) years
mengubah liabilitas pajak dalam batas waktu 5 from the time the tax becomes due and
(lima) tahun sejak saat terutangnya pajak dan subsequent years.
tahun-tahun selanjutnya.
Pemeriksaan tahun pajak 2019 Assessment for fiscal year 2019
Bank telah menerima Surat Pemberitahuan Bank has received Notification of Tax Audit
Hasil Pemeriksaan Pajak (SPHP) Findings (SPHP) No. S-
No. S-00013/RIKSIS/KPP.0708/2023 tanggal 00013/RIKSIS/KPP.0708/2023 dated January
17 Januari 2024 mengenai hasil pemeriksaan 17, 2024 regarding tax audit result for the year
pajak untuk tahun 2019. Pada tanggal 26 Maret 2019. Bank has received tax underpayment
2024, Bank menerima Surat Ketetapan Pajak letter (SKPKB) from tax office amounting
Kurang Bayar (SKPKB) dengan total Rp1.527. Rp1,527 on March 26, 2024. Bank has paid the
Bank telah melakukan pembayaran atas underpayment on April 19, 2024. Bank has
kekurangan pajak tersebut di tanggal 19 April recorded the payment amounting Rp1,029 and
2024. Bank mencatat pembayaran masing- Rp498 as part of tax expense - net and general
masing sebesar Rp1.029 dan Rp498 sebagai and administrative expense, respectively.
bagian dari beban pajak - neto dan beban
umum dan administrasi.
94
Page 497
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. LIABILITAS IMBALAN KERJA 23. EMPLOYEE BENEFITS LIABILITIES
Berdasarkan Peraturan Perusahaan, Bank Based on Internal regulation, the Bank has an
mempunyai kewajiban untuk memberikan imbalan obligation to provide benefits to certain employees
kerja karyawan berdasarkan lama kerjanya based on employees length of services, when an
karyawan ketika karyawan tersebut diberhentikan employee is terminated or upon reaching the
atau meninggalkan Bank dikarenakan telah mandatory retirement age or resigns voluntarily.
mencapai usia pensiun atau berhenti dengan This reward has defined benefit characteristics in
sukarela. Imbalan ini telah mencerminkan nature.
karakteristik dari imbalan tersebut.
Bank menyelenggarakan program pensiun manfaat The Bank organized defined benefit pension
pasti bagi para karyawannya. Program pensiun ini program for the employees. This pension program
dikelola oleh Dana Pensiun Lembaga Keuangan is managed by Dana Pensiun Lembaga Keuangan
(DPLK) Indolife. Kontribusi ke DPLK Indolife (DPLK) Indolife. Contribution to DPLK Indolife are
ditanggung sepenuhnya oleh Bank. Kontribusi Bank fully paid by the Bank. Bank’s contribution to DPLK
ke DPLK sebesar Rp5.000 dan Rp3.000 masing- amounted to Rp5,000 and Rp3,000 for years ended
masing untuk tahun yang berakhir pada tanggal- December 31, 2024 and 2023, respectively.
tanggal 31 Desember 2024 dan 2023.
Liabilitas imbalan kerja per tanggal-tanggal The employee benefits liabilities as of
31 Desember 2024 dan 2023 berdasarkan December 31, 2024 and 2023, were based on
perhitungan aktuaria yang dilakukan oleh aktuaris actuarial calculation performed by an independent
independen, Kantor Konsultan Aktuaria Steven & actuary, Kantor Konsultan Aktuaria Steven &
Mourits, berdasarkan laporannya Nomor 1288/MR- Mourits, based on their reports Number 1288/MR-
GG-PSAK219-INAP/II/2025 tertanggal 28 Februari GG-PSAK219-INAP/II/2025 dated February 28,
2025 dan laporannya Nomor 1037/ST-GG-PSAK24- 2025 and Number 1037/ST-GG-PSAK24-
INAP/III/2024 tertanggal 5 Maret 2024. INAP/III/2024 dated March 5, 2024, respectively.
Asumsi utama yang digunakan dalam perhitungan The actuarial valuation was carried out using
aktuaris adalah sebagai berikut: the following key assumptions:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Tingkat diskonto per tahun 7,15% 6,80% Discount rate per annum
Tingkat proyeksi kenaikan gaji
per tahun 8,00% 8,00% Salary increase rate per annum
Tingkat pengembalian aset program 7,15% 6,80% Rate of return plan assets
Usia pensiun normal 55 tahun/years 55 tahun/years Normal pension age
Tingkat mortalitas (kematian) TMI - 2019 TMI - 2019 Mortality rate
10% dari TMI 2019/ 10% dari TMI 2019/
Tingkat Cacat 10% from TMI 2019 10% from TMI 2019 Disability Rate
Tingkat Pengunduran Diri Resignation Rate
Usia 15 - 29 tahun 6% per tahun/year 6% per tahun/year 15 - 29 years old
Usia 30 - 34 tahun 3% per tahun/year 3% per tahun/year 30 - 34 years old
1,80% per tahun/ 1,80% per tahun/
Usia 35 - 39 tahun year year 35 - 39 years old
1,20% per tahun/ 1,20% per tahun/
Usia 40 - 50 tahun year year 40 - 50 years old
0,60% per tahun/ 0,60% per tahun/
Usia 51 - 52 tahun year year 51 - 52 years old
Usia 52 tahun ke atas 0% 0% above 52 years old
95
Page 498
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. LIABILITAS IMBALAN KERJA (lanjutan) 23. EMPLOYEE BENEFITS LIABILITIES (continued)
Liabilitas program imbalan pasti Defined benefit obligation
Jumlah liabilitas program imbalan pasti berdasarkan The balance of defined benefit obligation based on
perhitungan aktuaria independen per tanggal- the calculation from independent actuary as of
tanggal 31 Desember 2024 dan 2023 adalah December 31, 2024 and 2023, are as follows:
sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Nilai kini liabilitas program Present value of defined benefit
imbalan pasti 37.176 28.442 program obligation
Nilai wajar aset program (9.725) (6.781) Fair value of plan assets
Total 27.451 21.661 Total
Perubahan nilai kini liabilitas program imbalan pasti The changes in present value of defined benefit
adalah sebagai berikut: obligation are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Saldo awal 28.442 22.895 Beginning balance
Beban jasa kini 10.291 6.971 Current service cost
Beban bunga 1.849 1.527 Interest cost
Aset program yang dialihkan (1.209) (1.594) Transferred assets program
Manfaat yang dibayarkan oleh
program (1.235) (2.801) Benefit paid by program
Pembayaran imbalan kerja
oleh Bank (12) (48) Benefit paid by Bank
Liabilitas yang harus diakui Liabilities assumed due to
terkait pengakuan beban jasa lalu 297 272 recognition of past service cost
(Keuntungan) kerugian aktuarial: Actuarial (gain) loss:
perubahan asumsi keuangan (1.314) 1.068 changes in financial assumptions
experience adjustments 67 152 experience adjustments
Saldo akhir 37.176 28.442 Ending balance
Beban program imbalan pasti adalah sebagai Defined benefit obligation expense are as
berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Beban jasa kini 10.291 6.971 Current service cost
Beban bunga 1.849 1.527 Interest expense
Penghasilan bunga aset program (590) (579) Interest income from plan assets
Liabilitas yang harus diakui terkait Liabilities assumed due to
pengakuan beban jasa lalu 297 272 recognition of past service cost
Beban imbalan kerja 11.847 8.191 Employee benefit expense
96
Page 499
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. LIABILITAS IMBALAN KERJA (lanjutan) 23. EMPLOYEE BENEFITS LIABILITIES (continued)
Liabilitas program imbalan pasti (lanjutan) Defined benefit obligation (continued)
Rekonsiliasi perubahan liabilitas program imbalan The reconciliation of change of defined benefit
pasti selama tahun berjalan adalah sebagai berikut: obligation during the year are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Saldo awal 21.661 15.115 Beginning balance
Beban imbalan kerja pada Employee benefits expenses charged in
laporan laba rugi 11.847 8.191 statement of profit or loss
(Keuntungan) kerugian
pengukuran kembali (Gain) loss on
imbalan kerja pada remeasurement of employee benefits
penghasilan komprehensif lain (1.045) 1.403 to other comprehensive income
Kontribusi ke aset program (5.000) (3.000) Contribution to plan assets
Pembayaran imbalan kerja
oleh Bank (12) (48) Benefit paid by Bank
Saldo akhir 27.451 21.661 Ending balance
Perubahan nilai wajar aset program adalah sebagai The change of fair value of plan assets are as
berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Saldo awal 6.781 7.780 Beginning balance
Kontribusi ke aset program 5.000 3.000 Contribution to plan assets
Manfaat yang dibayarkan
oleh aset program (1.235) (2.801) Benefit paid by plan assets
Pendapatan bunga dari
aset program 590 579 Interest income from plan assets
Aset program yang dialihkan (1.209) (1.594) Transferred plan assets
Imbal hasil atas aset program.
tidak termasuk pendapatan Return on plan assets.
bunga (202) (183) excluding interest income
Saldo akhir 9.725 6.781 Ending balance
Pengukuran kembali (kerugian) keuntungan di Remeasurement of (loss) gain in other
penghasilan komprehensif lain adalah sebagai comprehensive income are as follows:
berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal (2.096) (693) Beginning balance
Keuntungan (kerugian) aktuarial
atas liabilitas 1.247 (1.220) Actuarial gain (loss) on liability
Imbal hasil atas aset program,
tidak termasuk pendapatan Return on plan assets,
bunga (202) (183) excluding interest income
Saldo akhir (1.051) (2.096) Ending balance
97
Page 500
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. LIABILITAS IMBALAN KERJA (lanjutan) 23. EMPLOYEE BENEFITS LIABILITIES (continued)
Liabilitas program imbalan pasti (lanjutan) Defined benefit obligation (continued)
Seluruh portofolio investasi aset program pada All of the investment portfolio of plan assets as
tanggal-tanggal 31 Desember 2024 dan 2023 of December 31, 2024 and 2023, are placed in
ditempatkan pada deposito dan obligasi pemerintah the deposits and government bonds with
dengan jangka waktu kurang dari 1 tahun. maturity less than a year.
Durasi rata-rata tertimbang dari nilai kini liabilitas The weighted average duration of present value
imbalan kerja diakhir periode pelaporan of benefit obligation at the end of reporting
31 Desember 2024 dan 2023 masing-masing period December 31, 2024 and 2023 is 15.99
adalah 15,99 tahun dan 15,83 tahun. years and 15.83 years, respectively.
Berikut menunjukan analisa sensitivitas nilai kini The sensitivity analysis of the present value of
liabilitas imbalan kerja diasumsikan terdapat employee benefit liabilities in the assumed
perubahan atas tingkat diskonto dan tingkat changes in the discount rate and salary
kenaikan gaji: increase:
31 Desember/December 31, 2024
Tingkat diskonto/ Tingkat kenaikan gaji/
Discount Rate Salary increase rate
Kenaikan/ Penurunan/ Kenaikan/ Penurunan/
Increase 1% Decrease 1% Increase 1% Decrease 1%
Dampak pada nilai kini Impact on present value
liabilitas imbalan kerja (3.199) 3.670 3.668 (3.257) employee benefit liabilities
Berikut menunjukan analisa sensitivitas nilai kini The sensitivity analysis of the present value of
liabilitas imbalan kerja diasumsikan terdapat employee benefit liabilities in the assumed
perubahan atas tingkat diskonto dan tingkat changes in the discount rate and salary
kenaikan gaji: (lanjutan) increase: (continued)
31 Desember/December 31, 2023
Tingkat diskonto/ Tingkat kenaikan gaji/
Discount Rate Salary increase rate
Kenaikan/ Penurunan/ Kenaikan/ Penurunan/
Increase 1% Decrease 1% Increase 1% Decrease 1%
Dampak pada nilai kini Impact on present value
liabilitas imbalan kerja (2.358) 2.705 2.698 (2.397) employee benefit liabilities
Analisis profil jatuh tempo pembayaran program Maturity profile analysis of payment defined
imbalan pasti adalah sebagai berikut: benefit obligation are as follows:
31 Desember/
December 31, 2024
1 tahun/ 2 - 5 tahun/ > 5 tahun/
years years years
273 10.526 181.660
31 Desember/
December 31, 2023
1 tahun/ 2 - 5 tahun/ > 5 tahun/
years years years
2.515 11.628 128.125
98
Page 501
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
24. UTANG BUNGA 24. INTEREST PAYABLES
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
Deposito berjangka 43.645 39.968 Time deposits
Deposito on Call 364 187 On Call deposits
Deposito digital 59 - Deposito digital
Interbank Call Money 47 396 Interbank Call Money
Tabungan digital 5 - Tabungan digital
Mata uang asing Foreign currency
Deposito berjangka 1.511 927 Time deposits
Total 45.631 41.478 Total
Pada tanggal-tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, interest
utang bunga kepada pihak berelasi masing-masing payable to related parties are Rp2,555 and
sebesar Rp2.555 dan Rp2.821 (Catatan 36). Rp2,821, respectively (Note 36).
25. LIABILITAS LAIN-LAIN 25. OTHER LIABILITIES
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Liabilitas sewa 66.438 34.387 Lease liabilities
Cadangan bonus, insentif, dan Allowance for bonus, incentives,
penghargaan 23.801 31.376 and appreciation
Cadangan kerugian penurunan Allowance for impairment losses
nilai komitmen dan commitment and contingencies
kontinjensi (Catatan 35) 12.068 11.241 (Note 35)
Biaya yang masih harus dibayar 5.476 4.807 Accrued expense
Provisi atas kredit yang Provision for loan
belum dicairkan 1.196 6.937 not yet disbursed
Setoran Jaminan 343 4.174 Guarantee Deposits
Titipan realisasi lelang jaminan 19 1.449 Proceeds of collateral auction
Cadangan iuran OJK - 1.731 Provision for OJK fees
Lain-lain 503 97 Others
Total 109.844 96.199 Total
Liabilitas sewa merupakan nilai kini dari pembayaran Lease liabilities represents the present value of
kontrak sewa yang dilakukan oleh Bank. the contract lease payments made by the Bank.
Cadangan bonus, insentif dan penghargaan Allowance for bonus, incentives and appreciation
merupakan cadangan atas pembayaran bonus dan are allowance for payment of bonus and
insentif kepada karyawan dan penghargaan kepada incentives to employees and awards to the Bank's
pengurus Bank. management.
99
Page 502
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
25. LIABILITAS LAIN-LAIN (lanjutan) 25. OTHER LIABILITIES (continued)
Setoran Jaminan merupakan setoran yang Guarantee Deposits are deposits paid from
dibayarkan oleh debitur untuk jaminan atas transaksi customer for guarantee of SKBDN transaction.
SKBDN.
Biaya yang masih harus dibayar merupakan akrual Accrued expenses are accrued for payment of
atas pembayaran barang dan jasa ke pihak ketiga. goods and services to third parties.
Cadangan kerugian penurunan nilai komitmen dan Allowance for impairment losses on commitments
kontinjensi merupakan cadangan yang dibentuk atas and contingencies is an allowance provided on
akun-akun liabilitas komitmen dan kontinjensi. commitment and contingent liability accounts.
Cadangan iuran OJK merupakan cadangan atas Provision for OJK fees is accrual for annual fee
pembayaran biaya tahunan ke OJK yang akan payments to OJK which will be paid in the
dibayarkan di triwulan berikutnya. following quarter.
Titipan realisasi lelang jaminan merupakan hasil Proceeds of collateral auction is proceeds of the
penjualan agunan milik debitur yang belum sale of the debtor’s loan collateral which not yet
diselesaikan dengan kredit yang diberikan. settled to the loans.
Pengungkapan liabilitas sewa adalah sebagai Lease liabilities disclosed as follows:
berikut:
Saldo awal Penambahan Beban bunga Liabilitas sewa yang Saldo akhir
1 Januari 2024/ liabilitas sewa/ atas liabilitas sewa/ telah dibayarkan/ 31 Desember 2024/
Beginning balance Addition of Interest expense Lease liabilities Ending balance
Kategori aset pendasar January 1, 2024 lease liabilities on lease liabilities paid December 31, 2024 Category of underlying asset
Bangunan 7.839 27.323 1.035 (12.799) 23.398 Buildings
Komputer dan mesin 26.124 5.830 2.199 (10.009) 24.144 Computer and machine
Kendaraan bermotor 424 21.165 1.417 (4.110) 18.896 Vehicles
Total 34.387 54.318 4.651 (26.918) 66.438 Total
Saldo awal Penambahan Beban bunga Liabilitas sewa yang Saldo akhir
1 Januari 2023/ liabilitas sewa/ atas liabilitas sewa/ telah dibayarkan/ 31 Desember 2023/
Beginning balance Addition of Interest expense Lease liabilities Ending balance
Kategori aset pendasar January 1, 2023 lease liabilities on lease liabilities paid December 31, 2023 Category of underlying asset
Bangunan 15.581 2.912 1.184 (11.838) 7.839 Buildings
Komputer dan mesin 17.675 15.595 2.613 (9.759) 26.124 Computer and machine
Kendaraan bermotor 3.450 - 200 (3.226) 424 Vehicles
Total 36.706 18.507 3.997 (24.823) 34.387 Total
Analisis jatuh tempo liabilitas lain-lain terkait sewa Maturity analysis of other liabilities related with
untuk 31 Desember 2024 dan 2023. leases as of December 31, 2024 and 2023.
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
< 1 tahun 26.865 19.696 < 1 year
1 - 3 tahun 23.118 3.940 1 - 3 years
3 - 5 tahun 16.455 10.751 3 - 5 years
Total 66.438 34.387 Total
100
Page 503
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
26. MODAL SAHAM 26. CAPITAL STOCK
Susunan pemegang saham Bank dan The composition of the Bank's shareholders and
kepemilikannya masing-masing pada tanggal their respective ownership interest as of
31 Desember 2024 dan 2023 adalah sebagai December 31, 2024 and 2023 are as follows:
berikut:
Jumlah Saham
Ditempatkan
dan Disetor Penuh/ Persentase
Number of Shares Pemilikan/
Issued Percentage of
Pemegang Saham and Fully Paid Ownerships Total Shareholders
PT Indolife Pensiontama 1.400.830.852 22,83% 140.083 PT Indolife Pensiontama
PT Samudra Biru 1.114.213.066 18,16% 111.421 PT Samudra Biru
UOB Kay Hian Pte. Ltd. **) 1.034.416.550 16,86% 103.442 UOB Kay Hian Pte. Ltd.**)
PT Gaya Hidup Masa Kini 726.190.057 11,84% 72.619 PT Gaya Hidup Masa Kini
DBS Bank Ltd S/A LTSL DBS Bank Ltd S/A LTSL
as Trustee of NS Financial Fund *) 593.387.750 9,67% 59.339 as Trustee of NS Financial Fund *)
Masyarakat (masing-masing
dibawah 5%) 1.265.678.390 20,64% 126.568 Public (each below 5%)
Total 6.134.716.665 100,00% 613.472 Total
*) Liontrust S/A NS Asean Financials Fund - 869344007 dan DBS *) Liontrust S/A NS Asean Financials Fund - 869344007 and DBS
Bank Ltd S/A LTSL as Trustee of NS Financial Fund Bank Ltd S/A LTSL as Trustee of NS Financial Fund are the
merupakan pemegang saham bukan pemegang saham shareholders acting as non controlling shareholder through
pengendali Perusahaan melalui pasar modal. capital market.
**) UOB Kay Hian Pte Ltd. sejak tanggal 31 Januari 2022 sebagai **) UOB Kay Hian Pte Ltd. since January 31, 2022 as custody of
custody dari Liontrust S/A NS Asean Financials Fund - Liontrust S/A NS Asean Financials Fund - 869344007.
869344007.
27. TAMBAHAN MODAL DISETOR 27. ADDITIONAL PAID-IN CAPITAL
Akun ini merupakan tambahan modal disetor This account represents additional paid-in capital
sehubungan dengan penerbitan saham. related to the issuance of shares.
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Agio saham 65.492 65.492 Shares premium
Tambahan modal disetor Additional paid-in capital
Right issue I (2016) 87.500 87.500 Right issue I (2016)
Biaya emisi saham Share issuance cost
Right issue I (2016) (3.912) (3.912) Right issue I (2016)
Tambahan modal disetor Additional paid-in capital
Right issue II (2017) 410.112 410.112 Right issue II (2017)
Biaya emisi saham Share issuance cost
Right issue II (2017) (7.680) (7.680) Right issue II (2017)
Tambahan modal disetor Additional paid-in capital
Right issue III (2021) 1.159.147 1.159.147 Right issue III (2021)
Biaya emisi saham Share issuance cost
Right issue III (2021) (3.317) (3.317) Right issue III (2021)
Tambahan modal disetor Additional paid-in capital
Right issue IV (2022) 780.611 780.611 Right issue IV (2022)
Biaya emisi saham Share issuance cost
Right issue IV (2022) (5.665) (5.665) Right issue IV (2022)
Saldo akhir 2.482.288 2.482.288 Ending balance
101
Page 504
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
28. PENGGUNAAN LABA NETO 28. APPROPRIATION OF NET INCOME
Berdasarkan Rapat Umum Pemegang Saham Bank Based on the General Meeting of Shareholders of
tanggal 20 Juni 2024, Pemegang saham Bank the Bank dated June 20, 2024, the shareholders of
menyetujui untuk mengalokasikan laba bersih tahun the Bank agreed to allocate the net income for year
2023 sebesar Rp41.575 sebagai cadangan umum. 2023 amounting to Rp41,575 as general reserve.
Berdasarkan Rapat Umum Pemegang Saham Bank Based on the General Meeting of Shareholders of
tanggal 16 Juni 2023, Pemegang saham Bank the Bank dated June 16, 2023, the shareholders of
menyetujui untuk mengalokasikan laba bersih tahun the Bank agreed to allocate the net income for year
2022 sebesar Rp31.409 sebagai cadangan umum. 2022 amounting to Rp31,409 as general reserve.
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the Bank’s
2023, cadangan umum Bank masing-masing general reserves amounted to Rp106,570 and
sebesar Rp106.570 dan Rp64.995. Cadangan Rp64,995, respectively. The general and statutory
umum dan wajib ini dibentuk sehubungan dengan reserves were provided in relation with the Law of
Undang-undang Republik Indonesia No. 1/1995 the Republic of Indonesia No. 1/1995 which has
yang telah digantikan dengan Undang-undang No. been replaced with Law No. 40/2007 effective on
40/2007 efektif tanggal 16 Agustus 2007 mengenai August 16, 2007 regarding the Limited Liability
Perseroan Terbatas, yang mengharuskan Company which requires companies to set up a
perusahaan-perusahaan untuk membuat general reserve amounting to at least 20% of the
penyisihan cadangan umum sebesar sekurang- issued and paid up share capital. There is no
kurangnya 20% dari jumlah modal yang ditempatkan timeline over which this amount should be provided.
dan disetor penuh. Undang-undang tersebut tidak
mengatur jangka waktu untuk penyisihan tersebut.
29. PENDAPATAN BUNGA 29. INTEREST INCOME
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Kredit yang diberikan 1.256.508 1.168.862 Loans
Efek-efek 407.019 279.133 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased
untuk dijual kembali 110.355 152.533 under resale agreements
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 96.966 104.034 and other banks
Giro pada Bank Indonesia dan Current account with Bank Indonesia
bank lain 10.873 12.191 and other banks
Tagihan anjak piutang 7.398 9.852 Factoring receivables
Total 1.889.119 1.726.605 Total
Pendapatan bunga yang diterima dari pihak berelasi Interest income from related parties for year ended
untuk tahun yang berakhir pada tanggal-tanggal December 31, 2024 and 2023 are Rp11,241 and
31 Desember 2024 dan 2023 masing-masing Rp9,592 or 0.60% and 0.56% from total interest
sebesar Rp11.241 dan Rp9.592 atau masing- income, respectively (Note 36).
masing sebesar 0,60% dan 0,56% dari jumlah
pendapatan bunga (Catatan 36).
102
Page 505
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
30. BEBAN BUNGA 30. INTEREST EXPENSE
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Simpanan dari nasabah Deposits from customer
Deposito berjangka 786.232 709.641 Time deposits
Giro 299.338 235.607 Current accounts
Tabungan 19.407 15.154 Saving accounts
1.104.977 960.402
Simpanan dari bank lain Deposits from other banks
Interbank call money 5.853 5.758 Interbank call money
Deposito berjangka 10.437 7.407 Time deposits
Tabungan 884 - Saving accounts
Giro 479 430 Current accounts
17.653 13.595
Premi Lembaga Penjamin Simpanan Deposit Insurance Agency Premium
(Catatan 38) 42.673 37.722 (Note 38)
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 6.105 915 repurchase agreements
Lain-lain 4.651 3.997 Others
Total 1.176.059 1.016.631 Total
Beban bunga yang dibayarkan ke pihak berelasi Interest expense from related parties for year ended
untuk tahun yang berakhir pada tanggal-tanggal 31 December 31, 2024 and 2023 are Rp288,211 and
Desember 2024 dan 2023 masing-masing sebesar Rp243,971 or 24.51% and 24.00% from total
Rp288.211 dan Rp243.971 atau masing-masing interest expense, respectively (Note 36).
sebesar 24,51% dan 24,00% dari jumlah beban
bunga (Catatan 36).
31. PENYISIHAN KERUGIAN PENURUNAN NILAI 31. PROVISION FOR IMPAIRMENT LOSSES
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Kredit yang diberikan (Catatan 10) 188,436 103.478 Loans (Note 10)
Efek-efek (Catatan 8) (13) 11.206 Marketable securities (Note 8)
Komitmen dan kontinjensi (Catatan 35) 827 2.669 Commitments and contingencies (Note 35)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain (Catatan 7) (365) 618 and other banks (Note 7)
Giro pada bank lain (Catatan 6) (2) 1 Current accounts with other banks (Note 6)
Tagihan transaksi perdagangan (Catatan 13) 47 (31) Receivables from trade transaction (Note 13)
Tagihan akseptasi (Catatan 12) (31) (4) Acceptance receivables (Note 12)
Total 188.899 117.937 Total
103
Page 506
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
32. BEBAN TENAGA KERJA 32. PERSONNEL EXPENSES
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Gaji direksi dan karyawan 190.949 140.006 Directors and employee’s salary
Gaji dan upah tenaga Salary and wage for
kerja outsourcing 20.209 15.234 outsourcing employee
Asuransi tenaga kerja 19.296 12.057 Employee’s insurance
Bonus, insentif, dan penghargaan 14.349 28.644 Bonus, incentives, and appreciation
Tunjangan hari raya 13.549 10.575 Holidays allowance
Imbalan kerja (Catatan 23) 11.847 8.191 Employee benefits (Note 23)
Tunjangan karyawan 3.289 2.830 Employee’s allowance
Honorarium komisaris 2.903 1.564 Commissioner compensation
Lain-lain 736 708 Others
Total 277.127 219.809 Total
33. BEBAN UMUM DAN ADMINISTRASI DAN 33. GENERAL AND ADMINISTRATIVE AND OTHER
OPERASIONAL LAINNYA - LAIN-LAIN OPERATING EXPENSES - OTHERS
a. Beban Umum dan Administrasi a. General and Administrative Expenses
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Barang dan jasa 60.860 58.469 Good and services
Penyusutan aset tetap dan Depreciation of fixed assets and
aset hak guna (Catatan 16) 62.257 54.959 rights of use assets (Note 16)
Pemeliharaan dan perbaikan 24.597 17.763 Repair and maintenance
Promosi 10.289 8.716 Promotion
Sewa 9.969 4.627 Rent
Pendidikan dan pelatihan 3.912 4.855 Training and education
Asuransi 808 760 Insurance
Pajak 662 530 Tax
Lain-lain 477 69 Others
Total 173.831 150.748 Total
b. Beban Operasional Lainnya - Lain-Lain b. Other Operating Expenses - Others
Beban operasional lainnya - lain-lain terdiri dari Other operating expenses - others consist of
beban iuran OJK dan lain-lain. OJK fees and others.
104
Page 507
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
34. LABA PER SAHAM 34. EARNINGS PER SHARE
Laba per saham dasar dihitung dengan membagi Basic earnings per share is calculated by dividing
laba tahun berjalan dengan rata-rata tertimbang the income for the year by the weighted average
jumlah saham biasa yang beredar pada tahun number of ordinary shares outstanding during the
bersangkutan. year.
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2024 2023
Laba bersih tahun berjalan 81.848 207.876 Net income for the year
Jumlah rata-rata tertimbang Weighted average number of
saham biasa yang beredar 6.134.716.665 6.134.716.665 ordinary shares outstanding
Laba per saham dasar (nilai penuh) 13,34 33,89 Basic earnings per share (full amount)
35. KOMITMEN DAN KONTINJENSI 35. COMMITMENTS AND CONTINGENCIES
Ikhtisar komitmen dan kontinjensi Bank yang The Bank’s commitments and contingencies at
dinyatakan dalam nilai kontrak serta dengan mata the equivalent Rupiah based on contractual
uang Rupiah adalah sebagai berikut: amounts are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Tagihan komitmen Commitment receivables
Posisi pembelian spot dan Buy spot and derivative
derivatif yang masih berjalan - 36.394 on process
Lainnya - 740 Others
Total tagihan komitmen - 37.134 Total commitment receivables
Kewajiban komitmen Commitment payables
Fasilitas kredit yang Unused loan
belum digunakan (2.385.939) (1.900.233) facilities
Penjualan spot dan derivatif Selling spot and derivative
yang masih berjalan (169.065) (146.386) on process
Irrevocable letters of credit Irrevocable letters of credit
yang masih berjalan (17.902) (25.010) issued to customers
Total kewajiban komitmen (2.572.906) (2.071.629) Total commitment payables
Komitmen - neto (2.572.906) (2.034.495) Commitment - net
Kontinjensi Contingencies
Kewajiban kontinjensi Contingent payables
Bank Garansi (114.397) (111.161) Bank guarantee
Total kewajiban kontinjensi (114.397) (111.161) Total contingent payables
Komitmen dan kontinjensi - neto (2.687.303) (2.145.656) Commitments and contingencies - net
105
Page 508
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES
(continued)
Saldo bank garansi yang dijaminkan dengan Bank guarantee covered with collateral of time
deposito berjangka pada tanggal-tanggal deposit as of December 31, 2024 and 2023 are
31 Desember 2024 dan 2023 masing-masing Rp89,207 and Rp53,152, respectively. While as of
sebesar Rp89.207 dan Rp53.152. Sedangkan pada December 31, 2024 and 2023, there was no bank
tanggal-tanggal 31 Desember 2024 dan 2023, tidak guarantee covered with collateral of current
terdapat saldo bank garansi yang dijaminkan accounts.
dengan giro.
Tabel berikut menyajikan perubahan nilai tercatat The following table presents the changes in the
fasilitas kredit yang belum digunakan. carrying value of unused loan facility.
31 Desember 2024/December 31, 2024
Stage 1 Stage 2 Stage 3 Total
Fasilitas kredit
yang belum digunakan Unused loan facilities
Saldo awal 1.886.853 10.534 2.846 1.900.233 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (4.969) 3.148 1.821 - (stage 1)
Transfer dari kerugian kredit Transfer for lifetime expected
ekspektasian tidak mengalami credit loss
penurunan nilai (stage 2) - (6.495) 6.495 - - unimpaired (stage 2)
Total saldo awal Total beginning
setelah pengalihan 1.881.884 7.187 11.162 1.900.233 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 1.767.016 13.039 8.052 1.788.107 issued or purchased
Aset keuangan yang
dihentikan pengakuannya (1.296.599) (4.039) (1.763) (1.302.401) Financial assets derecognized
Total 2.352.301 16.187 17.451 2.385.939 Total
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Fasilitas kredit
yang belum digunakan Unused loan facilities
Saldo awal 2.087.320 9.007 - 2.096.327 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (6.770) 5.501 1.269 - (stage 1)
Transfer dari kerugian kredit Transfer for lifetime expected
ekspektasian tidak mengalami credit loss
penurunan nilai (stage 2) 2.114 (2.114) - - - unimpaired (stage 2)
Total saldo awal Total beginning
setelah pengalihan 2.082.664 12.394 1.269 2.096.327 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 1.278.531 4.643 1.577 1.284.751 issued or purchased
Aset keuangan yang
dihentikan pengakuannya (1.474.342) (6.503) - (1.480.845) Financial assets derecognized
Total 1.886.853 10.534 2.846 1.900.233 Total
106
Page 509
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES
(continued)
Tabel berikut menyajikan perubahan cadangan The following table presents the changes in the
kerugian ekspektasian fasilitas kredit yang belum expected credit losses of unused loan facility.
digunakan.
31 Desember 2024/December 31, 2024
Stage 1 Stage 2 Stage 3 Total
Saldo awal 11.023 2 18 11.043 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (1) - 1 - (stage 1)
Transfer dari kerugian kredit Transfer for lifetime expected
ekspektasian tidak mengalami credit loss
penurunan nilai (stage 2) - (1) 1 - - unimpaired (stage 2)
Total saldo awal 11.022 1 20 11.043
setelah pengalihan Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian 5.379 267 (3) 5.643 Net remeasurement of allowance
Aset keuangan baru yang Financial assets issued
diterbitkan atau dibeli 4.533 - - 4.533 or purchased
Aset keuangan yang
dihentikan pengakuannya (9.334) (1) (17) (9.352) Financial assets derecognized
Total penambahan 578 266 (20) 824 Total additional
Saldo akhir 11.600 267 - 11.867 Ending balance
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 7.350 1.089 - 8.439 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (36) 32 4 - (stage 1)
Transfer dari kerugian kredit Transfer for lifetime expected
ekspektasian tidak mengalami credit loss
penurunan nilai (stage 2) 258 (258) - - - unimpaired (stage 2)
Total saldo awal
setelah pengalihan 7.572 863 4 8.439 Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian (46) (96) 14 (128) Net remeasurement of allowance
Aset keuangan baru yang Financial assets issued
diterbitkan atau dibeli 8.574 1 - 8.575 or purchased
Aset keuangan yang
dihentikan pengakuannya (5.077) (766) - (5.843) Financial assets derecognized
Total penambahan 3.451 (861) 14 2.604 Total additional
Saldo akhir 11.023 2 18 11.043 Ending balance
Mutasi nilai tercatat letter of credit yang diterbitkan Movement of carrying value of letter of credit issued
(semua letter of credit adalah stage 1) adalah (all letter of credits are stage 1) are as follows:
sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2024 2023
Saldo awal 25.010 22.983 Beginning balance
Pengukuran kembali (19.305) (8.880) Remeasurement
Aset keuangan yang baru diterbitkan 273.111 295.512 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (260.914) (284.605) Financial assets derecognized
Saldo akhir 17.902 25.010 Ending balance
107
Page 510
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. KOMITMEN DAN KONTINJENSI (lanjutan) 35. COMMITMENTS AND CONTINGENCIES
(continued)
Mutasi cadangan kerugian penurunan nilai letter of Movement of allowance for impairment losses of
credit yang diterbitkan (semua letter of credit adalah letter of credit issued (all letter of credits are stage
stage 1) adalah sebagai berikut: 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2024 2023
Saldo awal 24 14 Beginning balance
Aset keuangan yang baru diterbitkan 4 24 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (25) (14) Financial assets derecognized
Saldo akhir 3 24 Ending balance
Mutasi nilai tercatat bank garansi yang diterbitkan Movement of carrying value of bank guarantee
(semua bank garansi adalah stage 1) adalah issued (all bank guarantees are stage 1) are as
sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2024 2023
Saldo awal 111.161 33.598 Beginning balance
Aset keuangan yang baru diterbitkan 88.778 106.211 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (85.542) (28.648) Financial assets derecognized
Saldo akhir 114.397 111.161 Ending balance
Mutasi nilai cadangan kerugian penurunan nilai bank Movement of allowance for impairment losses of
garansi yang diterbitkan (semua bank garansi bank guarantee issued (all bank guarantees are
adalah stage 1) adalah sebagai berikut: stage 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2024 2023
Saldo awal 174 119 Beginning balance
Aset keuangan yang baru diterbitkan 155 149 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (131) (94) Financial assets derecognized
Saldo akhir 198 174 Ending balance
108
Page 511
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK-PIHAK YANG 36. TRANSACTIONS WITH RELATED PARTIES
BERELASI
Dalam kegiatan normal usaha, Bank melakukan In the normal course of business, the Bank engages
transaksi dengan pihak berelasi, karena hubungan in transactions with related parties due to
kepemilikan dan/atau kepengurusan. Semua the relationship of ownership and/or management.
transaksi dengan pihak berelasi telah dilakukan All transactions with related parties were made
dengan kebijakan dan syarat yang telah disepakati according to the mutually agreed policies and terms,
bersama, dimana persyaratan tersebut mungkin where such terms may not be the same as other
tidak sama dengan transaksi lain yang dilakukan transactions undertaken with unrelated parties.
dengan pihak-pihak yang tidak berelasi.
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Gaya Hidup Masa Kini Pemegang saham / Shareholder Simpanan nasabah, Utang bunga dan
Beban bunga / Deposits from customers,
Interest payables and Interest expense
PT Tritungal Intipermata Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asuransi Central Asia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asuransi Jiwa Central Asia Raya Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asuransi Harta Aman Pratama Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asia Inti Era Makmur Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indofood CBP Sukses Makmur Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indomobil Insurance Consultant Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indomobil Sukses Internasional Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indosurance Broker Utama Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indopropertama Nusapersada Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Bina Raya Perkasa Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT IMG Sejahtera Langgeng Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Inti Cakrawala Citra Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
109
Page 512
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK-PIHAK YANG 36. TRANSACTIONS WITH RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Salim Ivomas Pratama Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Taliabu Mineralindo Sejahtera Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Aston Inti Makmur Dikendalikan oleh pemegang saham Aset lain-lain, Simpanan nasabah, Utang
yang sama/ Controlled by the same bunga dan Beban bunga/Other assets,
shareholder Deposits from customers, Interest payable
and Interest expense
PT Indolife Pensiontama Pemegang saham / Shareholder Simpanan nasabah, Utang bunga dan
Beban bunga / Deposits from customers,
Interest payables and Interest expense
PT Indomarco Prismatama Dikendalikan oleh pemegang saham Aset lain-lain, Simpanan nasabah, Utang
yang sama/ Controlled by the same bunga dan Beban bunga / Other assets,
shareholder Deposits from customer, Interest payables
and Interest expense
PT Indomobil Multitrada Dikendalikan oleh pemegang saham Kredit yang diberikan, Simpanan
yang sama/ Controlled by the same nasabah, Piutang bunga, Utang bunga,
shareholder Pendapatan bunga dan Beban
bunga / Loans, Deposits from customers,
Interest receivables, Interest payables,
Interest income and Interest expense
PT Indomatsumoto Press & Dies Dikendalikan oleh pemegang saham Kredit yang diberikan, Simpanan
Industri yang sama/ Controlled by the same nasabah, Piutang bunga, Utang bunga,
shareholder Pendapatan bunga dan Beban
bunga / Loans, Deposits from customers,
Interest receivables, Interest payables,
Interest income and Interest expense
PT Indokemika Jayatama Dikendalikan oleh pemegang saham Kredit yang diberikan, Simpanan
yang sama/ Controlled by the same nasabah, Piutang bunga, Utang bunga,
shareholder Pendapatan bunga dan Beban
bunga / Loans, Deposits from customers,
Interest receivables, Interest payables,
Interest income and Interest expense
PT Indomobil Finance Indonesia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indofood Sukses Makmur Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indolakto Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indomobil Jasa Lintas Raya Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indomobil Prima Energi Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
110
Page 513
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK-PIHAK YANG 36. TRANSACTIONS WITH RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Fast Food Indonesia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Inti Prima Cemerlang Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Suzuki Indomobil Sales Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT London Sumatra Indonesia Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PP Indomarco Adi Prima Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Kreta Indo Artha Dikendalikan oleh pemegang saham Tagihan dan liabilitas derivatif,
yang sama/ Controlled by the same Simpanan nasabah, Utang bunga dan
shareholder Beban bunga / Derivatives receivable
and payable, Interest payable and
Interest expense
PT Indo Seungli Makmur Dikendalikan oleh pemegang saham Simpanan nasabah dan Beban bunga /
yang sama/ Controlled by the same Deposits from customer and Interest
shareholder expense
PT Klik Indomaret Sukses Dikendalikan oleh pemegang saham Simpanan nasabah dan Utang bunga
yang sama/ Controlled by the same Beban bunga / Deposits from customer,
shareholder Interest payables and Interest expense
PT Gema Buana Nusantara Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customer,
shareholder Interest payables and Interest expense
PT Prima Visualindo Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customer,
shareholder Interest payables and Interest expense
PT Central Asia Financial Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customer,
shareholder Interest payables and Interest expense
PT Total Chemindo Loka Dikendalikan oleh pemegang saham Kredit yang diberikan, Piutang bunga
yang sama/ Controlled by the same Simpanan nasabah, Utang bunga
shareholder Pendapatan bunga dan Beban bunga /
Loans, Interest receivable, Deposits from
customer, Interest payables, Interest Income
and Interest expense
PT Jakarta Kyoai Medical Center Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customer,
shareholder Interest payables and Interest expense
PT Aseli Garmen Indonesia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customer,
shareholder Interest payables and Interest expense
111
Page 514
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK-PIHAK YANG 36. TRANSACTIONS WITH RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Indotek Engico Dikendalikan oleh pemegang saham Kredit yang diberikan, Piutang bunga,
yang sama/ Controlled by the same Simpanan nasabah, Utang bunga,
shareholder Pendapatan bunga dan Beban bunga /
Loans, Interest receivable, Deposits from
customer, Interest payables, Interest income
and Interest expense
PT Kyokuto Indomobil Distributor Indonesia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customer,
shareholder Interest payables and Interest expense
PT Gurih Mitra Perkasa Dikendalikan oleh pemegang saham Kredit yang diberikan, Piutang bunga,
yang sama/ Controlled by the same dan Pendapatan bunga / Loans, Interest
shareholder receivables and Interest income
PT Bukit Indah Mandiri Abadi Dikendalikan oleh pemegang saham Kredit yang diberikan, Piutang bunga,
yang sama/ Controlled by the same dan Pendapatan bunga / Loans, Interest
shareholder receivables and Interest income
PT Indomas Multi Kreasi Dikendalikan oleh pemegang saham Kredit yang diberikan, Piutang bunga,
yang sama/ Controlled by the same dan Pendapatan bunga / Loans, Interest
shareholder receivables and Interest income
PT Sarana Tani Indonesia Makmur Dikendalikan oleh pemegang saham Kredit yang diberikan, Piutang bunga,
yang sama/ Controlled by the same dan Pendapatan bunga / Loans, Interest
shareholder receivables and Interest income
Dewan Komisaris dan Direksi / Pengurus / Management Kredit yang diberikan, Simpanan
Board of Commissioners and Directors nasabah, Piutang bunga, Utang bunga,
Pendapatan bunga dan Beban
Bunga, Beban tenaga kerja / Loans,
Deposits from customers, Interest
receivables, Interest payables, Interest
income and Interest expense, Personnel
expenses
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Aset Assets
Kredit yang diberikan (Catatan 10) 315.981 167.656 Loans (Note 10)
Piutang bunga (Catatan 11) 523 195 Interest receivables (Note 11)
Tagihan derivatif (Catatan 14) 374 1.356 Derivatives receivable (Note 14)
Aset lain-lain (Catatan 17) 4.938 3.540 Other assets (Note 17)
Total aset yang terkait Total assets associated with
dengan pihak berelasi 321.816 172.747 related parties
Persentase terhadap total aset 1,32% 0,71% Percentage to total assets
Liabilitas Liabilities
Liabilitas derivatif (Catatan 14) 1.127 - Derivatives payables (Note 14)
Simpanan dari nasabah (Catatan 19) 3.499.944 5.200.509 Deposits from customers (Note 19)
Utang bunga (Catatan 24) 2.555 2.821 Interest payable (Note 24)
Liabilitas lain-lain 20.876 5.826 Other liabilities
Total liabilitas yang terkait Total liabilities associated with
dengan pihak berelasi 3.524.502 5.209.156 related parties
Persentase terhadap total liabilitas 16.93% 25,01% Percentage to total liabilities
112
Page 515
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK-PIHAK YANG 36. TRANSACTIONS WITH RELATED PARTIES
BERELASI (lanjutan) (continued)
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2024 2023
PENDAPATAN DAN BEBAN INCOME AND EXPENSE
Pendapatan bunga (Catatan 29) 11.241 9.592 Interest income (Note 29)
Beban bunga (Catatan 30) 288.211 243.971 Interest expense (Note 30)
Persentase terhadap jumlah Percentage to total income
pendapatan dan beban and expense
Pendapatan bunga 0,60% 0,56% Interest income
Beban bunga 24,51% 24,00% Interest expense
Kompensasi kepada personel manajemen kunci Compensation of key management personnel
Untuk tahun yang berakhir pada tanggal-tanggal For the year ended December 31, 2024 and 2023
31 Desember 2024 dan 2023 gaji dan kompensasi salaries and other benefits (all included as short-
lainnya (semuanya dalam bentuk imbalan jangka term compensations) of Commissioners and
pendek) yang dibayarkan kepada Komisaris dan Directors of the Bank amounted to Rp36,219 and
Direksi Bank masing-masing sejumlah Rp36.219 Rp27,562, respectively.
dan Rp27.562.
37. SEGMEN OPERASI 37. OPERATING SEGMENTS
Informasi segmen Bank disajikan berdasarkan jenis Bank’s segment information presented by type of
kegiatan usahanya, yaitu pemasaran dan kredit, business activities, such marketing and loans,
treasuri, dan trade finance. Kegiatan usaha tersebut treasury and trade finance. That segment activities
menjadi dasar pelaporan informasi segmen primer become the basis of primary segment reporting
Bank sebagai berikut: information as follows:
31 Desember/ December 31, 2024
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Pendapatan Income
Pendapatan bunga 1.256.508 625.213 7.398 1.889.119 Interest income
Pendapatan operasional lainnya 11.786 11.684 3.597 27.067 Other operating income
Total pendapatan 1.268.294 636.897 10.995 1.916.186 Total income
Beban Expense
Beban bunga (1.152.302) (23.757) - (1.176.059) Interest expenses
Beban operasional lainnya (189.263) 381 (16) (188.898) Other operating expenses
Total beban (1.341.565) (23.376) (16) (1.364.957) Total expense
Pendapatan yang tidak
dapat dialokasikan 21.019 Unallocated income
Beban yang tidak
dapat dialokasikan (472.184) Unallocated expense
Laba sebelum beban pajak 107.463 Income before tax expense
Beban pajak (25.615) Tax expense
Laba bersih tahun berjalan 81.848 Net income for the year
113
Page 516
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. SEGMEN OPERASI (lanjutan) 37. OPERATING SEGMENTS (continued)
Informasi segmen Bank disajikan berdasarkan jenis Bank’s segment information presented by type of
kegiatan usahanya, yaitu pemasaran dan kredit, business activities, such marketing and loans,
treasuri, dan trade finance. Kegiatan usaha tersebut treasury and trade finance. That segment activities
menjadi dasar pelaporan informasi segmen primer become the basis of primary segment reporting
Bank sebagai berikut: (lanjutan) information as follows: (continued)
31 Desember/ December 31, 2023
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Pendapatan Income
Pendapatan bunga 1.168.862 547.891 9.852 1.726.605 Interest income
Pendapatan operasional lainnya 3.006 31.983 4.334 39.323 Other operating income
Total pendapatan 1.171.868 579.874 14.186 1.765.928 Total income
Beban Expense
Beban bunga (1.002.121) (14.510) - (1.016.631) Interest expenses
Beban operasional lainnya (106.051) (11.824) (60) (117.935) Other operating expenses
Total beban (1.108.172) (26.334) (60) (1.134.566) Total expense
Pendapatan yang tidak
dapat dialokasikan 19.914 Unallocated income
Beban yang tidak
dapat dialokasikan (383.745) Unallocated expense
Laba sebelum beban pajak 267.531 Income before tax expense
Beban pajak (59.655) Tax expense
Laba bersih tahun berjalan 207.876 Net income for the year
31 Desember/December 31, 2024
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Aset Assets
Aset segmen 12.882.852 10.712.747 335.125 23.930.724 Segment assets
Aset yang tidak dapat
dialokasikan 506.010 Unallocated assets
Total aset 24.436.734 Total assets
Liabilitas Liabilities
Liabilitas segmen 20.172.847 406.535 60.367 20.639.749 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 184.011 Unallocated liabilities
Total liabilitas 20.823.760 Total liabilities
31 Desember/December 31, 2023
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Aset Assets
Aset segmen 12.382.079 11.517.497 198.332 24.097.908 Segment assets
Aset yang tidak dapat
dialokasikan 286.672 Unallocated assets
Total aset 24.384.580 Total assets
Liabilitas Liabilities
Liabilitas segmen 19.367.371 1.206.765 97.479 20.671.615 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 156.807 Unallocated liabilities
Total liabilitas 20.828.422 Total liabilities
114
Page 517
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. JAMINAN PEMERINTAH TERHADAP LIABILITAS 38. GOVERNMENT GUARANTEE ON PAYMENT OF
PEMBAYARAN BANK UMUM COMMERCIAL BANK’S OBLIGATIONS
Berdasarkan Salinan Peraturan Lembaga Penjamin Based on the Indonesia Deposit Insurance
Simpanan (LPS) No. 1/PLPS/2005 tanggal Corporation (LPS) Regulation No. 1/PLPS/2005
26 September 2005 tentang Program Penjaminan dated September 26, 2005, regarding Deposit
Simpanan yang menyatakan bahwa sejak tanggal Guarantee Program, since September 22, 2005,
22 September 2005. Lembaga Penjamin Simpanan the Indonesian Deposit Insurance Corporation will
menjamin simpanan yang meliputi giro, deposito guarantee bank deposits, time deposits, certificate
berjangka, sertifikat deposito, tabungan, dan atau of deposits, saving deposits, and or other forms of
bentuk lain yang dipersamakan dengan itu yang deposits from other banks. Guaranteed bank
merupakan simpanan yang berasal dari masyarakat balances of each customer are as follows:
termasuk yang berasal dari bank lain. Saldo yang
dijamin untuk setiap nasabah pada satu Bank
adalah:
a. Maksimum sebesar Rp1.000, sejak tanggal a. Maximum of Rp1,000, from September 22,
22 September 2006 sampai dengan 21 Maret 2006 until March 21, 2007.
2007.
b. Maksimum sebesar Rp100, sejak tanggal b. Maximum of Rp 100, from March 22, 2007 until
22 Maret 2007 sampai dengan 12 Oktober October 12, 2008.
2008.
Pada tanggal 13 Oktober 2008, Presiden Republik On October 13, 2008, the President of the Republic
Indonesia menetapkan Peraturan Pemerintah of Indonesia approved Government Regulation
No. 66 Tahun 2008 tentang Besaran Nilai Simpanan No. 66 Year 2008 regarding the amount of
yang dijamin LPS. Berdasarkan peraturan tersebut, guarantee on deposits guaranteed by LPS. Based
nilai simpanan yang dijaminkan untuk setiap on such Regulation, the guaranteed customer’s
nasabah pada satu bank yang semula berdasarkan deposits amount in a bank which previously
Undang-Undang No. 24 Tahun 2004 ditetapkan according to Law No. 24 Year 2004 amounted to
maksimum Rp100, diubah menjadi maksimum Rp100, amended to the maximum amount of
Rp2.000. Rp2,000.
Berdasarkan Undang-Undang Republik Indonesia Based on the Law of the Republic of Indonesia No.
No. 7 Tahun 2009, Peraturan Pemerintah Pengganti 7 year 2009, Government Regulation in Lieu of Law
Undang-Undang tentang LPS telah ditetapkan on LPS has been set into law since January 13,
menjadi Undang-Undang sejak tanggal 13 Januari 2009.
2009.
39. INFORMASI LAINNYA 39. OTHER INFORMATION
a. Manajemen Modal a. Capital Management
Tujuan utama kebijakan manajemen The primary objectives of the Bank’s capital
permodalan Bank adalah untuk memastikan management policy are to ensure
bahwa Bank telah memenuhi persyaratan that the Bank complies with externally imposed
modal yang diwajibkan dan memastikan Bank capital requirements and that the Bank
telah menjaga peringkat kredit yang kuat dan maintains strong credit ratings and healthy
rasio modal yang sehat agar dapat capital ratios in order to support its business and
mendukung bisnis dan memaksimalkan nilai to maximize the shareholders’ shares value.
saham para pemegang saham.
Manajemen menggunakan peraturan rasio The management use capital ratio regulation to
permodalan untuk memantau kecukupan modal monitor capital adequacy in accordance with
sesuai dengan standar industri. Pendekatan industry standard. Bank Indonesia's approach for
Bank Indonesia untuk pengukuran modal capital measurement is primarily based on
tersebut terutama didasarkan kepada the monitoring of capital requirement to the
pemantauan kebutuhan modal yang diwajibkan available capital.
terhadap modal yang tersedia.
Bank telah memenuhi semua persyaratan modal The Bank has complied with capital requirement
yang diwajibkan untuk periode yang disajikan. for the periods presented.
115
Page 518
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. INFORMASI LAINNYA (lanjutan) 39. OTHER INFORMATION (continued)
b. Bank menerima surat dari PT Perusahaan b. The Bank received a letter from
Pengelolaan Aset (Persero) (“PPA”) the PT Perusahaan Pengelolaan Aset (Persero)
No. S.073/PAK-PAKP/1007 tanggal 24 Oktober ("PPA") No. S.073/PAK-PAKP/1007 dated
2007 tentang Pelunasan Kewajiban Debitur October 24, 2007 regarding the repayment
dengan jumlah USD172.599,73 (nilai penuh). obligation of debtor amounting to
Tagihan PPA kepada Bank tersebut terkait USD172,599.73 (full amount). PPA bill to
dengan fasilitas L/C jatuh tempo yang berasal the Bank related to maturity L/C facility derived
dari pengalihan tagihan PT Bank Umum from the transfer of claims PT Bank Umum
Nasional (“BUN”) (Bank Beku Kegiatan Operasi) Nasional ("BUN") (Suspension Bank Operations)
yang dialihkan ke Badan Penyehatan Perbankan were transferred to the Indonesian Bank
Nasional (“BPPN”). Bank telah menanggapi hal Restructuring Agency ("IBRA"). The Bank has
tersebut melalui surat No. BIP/DIR/065/X/07 responded through letter No. BIP/DIR/065/X/07
tanggal 29 Oktober 2007 yang menjelaskan dated October 29, 2007 explaining that the bill
bahwa tagihan tersebut tidak tercatat dalam was not recorded in the books of the Bank and
pembukuan Bank dan Bank tidak memiliki they have no outstanding obligations to BUN. As
tunggakan kewajiban kepada BUN. Sebagai good intention from the Bank, on September 9,
tanda itikad baik, Bank telah melakukan setoran 2008, the Bank has deposited to PPA the amount
kepada PPA sebesar Rp250 pada tanggal of Rp250.
9 September 2008.
Pada tanggal 23 Januari 2013, Panitia Urusan On January 23, 2013, State Receivables
Piutang Negara (PUPN) Cabang DKI melalui Committee (PUPN), DKI Branch, through it’s
suratnya No. PJPN-005/PUPNC.10.03/2013 letter No. PJPN-005/PUPNC.10.03/2013 has
telah mengirimkan penetapan jumlah piutang sent stipulation of state receivables from
negara kepada Bank dimana jumlah piutang the Bank in which the amount of state
Negara yang wajib dilunasi Bank adalah sebesar receivables that should be paid by the Bank
USD189.859,70 (nilai penuh) atau setara amounted to USD189,859.70 (full amount) or
dengan Rp1.632 dengan kurs transaksi sebesar equivalent to Rp1,632 with using transaction rate
Rp9.915,20 per Dolar AS (nilai penuh). Bank Rp9,915.20 per USD (full amount). The Bank
melalui Kantor Hukum Musa Sinambela & through the Law Office Musa Sinambela &
Partners, telah mengirimkan surat No. 010/P/LO- Partners, has sent a letter No. 010/P/LO-
MSP/III/2013 tanggal 6 Maret 2013 kepada MSP/III/2013 dated March 6, 2013 to State
Kantor Pelayanan Kekayaan Negara dan Lelang Assets and Auction Service Office (KPKNL)
(KPKNL) Jakarta untuk meninjau kembali Surat Jakarta to review the decree of PUPN.
Keputusan PUPN tersebut.
Pada tanggal 23 Februari 2017, Bank telah In February 23, 2017, Bank received invoice of
menerima tagihan atas piutang tersebut dari the receivables form Ministry of Finance
Kementrian Keuangan sebesar USD189.859,70 amounting USD189,859.70 (full amount). Bank
(nilai penuh). Bank telah melakukan pembayaran had paid the invoice partially, amounting Rp740
atas sebagian tagihan tersebut sebesar Rp740 in March 14, 2017.
pada tanggal 14 Maret 2017.
Pada tanggal 19 September 2023, Bank telah In September 19, 2023, Bank received invoice of
menerima tagihan atas piutang tersebut dari the receivables form Ministry of Finance
Kementrian Keuangan sebesar USD134.572,93 amounting USD134,572.93 (full amount).
(nilai penuh). Bank telah melakukan pelunasan The Bank had fully paid the invoice on
pembayaran atas tagihan tersebut secara penuh September 26, 2023, therefore the remaining bill
pada tanggal 26 September 2023, sehingga sisa as of December 31, 2023 is RpNil.
tagihan atas piutang per 31 Desember 2023
adalah sebesar RpNihil.
116
Page 519
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN 40. FINANCIAL RISK MANAGEMENT
Risiko kredit Credit risk
Risiko kredit adalah risiko akibat kegagalan debitur Credit risk is the risk which cause by the failure of
dan/atau pihak lain dalam memenuhi kewajiban the debtor and/or other parties to meet obligations
kepada Bank. Risiko kredit bersumber pada aktivitas to the Bank. Credit risk is based on lending
pemberian kredit, kepemilikan instrumen keuangan, activities, the ownership of financial instruments,
transaksi antar bank, serta kewajiban komitmen dan transactions between banks and commitments and
kontinjensi. Bank telah memiliki kebijakan dan contingencies. The Bank has had written policies
pedoman tertulis terkait dengan kegiatan perkreditan and guidelines related to lending activities which
yang terdiri dari prosedur analisa kredit, persetujuan consist of credit analysis procedures, credit
kredit, pencatatan dan pengawasan kredit, dan approval, credit recording and monitoring and credit
restrukturisasi kredit. Kebijakan dan prosedur restructuring. Policies and procedures are reviewed
tersebut dikaji secara berkala untuk disesuaikan regularly to conform with the size and complexity of
dengan ukuran dan kompleksitas bisnis Bank. the Bank's business.
Bank secara terus-menerus memonitor risiko kredit The Bank continuously monitors credit risk to
untuk memastikan kemungkinan kerugian dan tidak ensure that the potential loss from default on
dibayarnya kredit yang diberikan dan kontrak financial and contractual agreements is minimized,
keuangan lainnya seminimal mungkin, baik untuk at individual borrowers and at portfolio level.
debitur individual maupun secara keseluruhan.
Struktur kredit yang telah dibakukan menjamin A formalized credit structure ensures prudent
diterapkannya kebijakan dan pelaksanaan lending policies and practices are adopted
pemberian kredit secara hati-hati oleh Bank. throughout the Bank. Specific Lending discretion
Kebijakan pemberian kredit tertentu telah dilakukan have been granted to reflect the experience of
untuk mencerminkan pengalaman dan kredit lending management, who operates within a
manajemen, yang bekerja dalam batas tertentu defined framework which ensures all lending
untuk memastikan semua keputusan pemberian decisions are approved and noted at the
kredit disetujui dan diketahui pada tingkatan appropriate level of responsibility within the Bank.
tanggung jawab yang sesuai di Bank.
Penerapan manajemen risiko kredit dilakukan mulai The implementation of credit risk management is
dari proses inisiasi, analisis, pembuatan keputusan, started from the initiation of the process, analysis,
pencairan, administrasi dan proses penanganan decision making, disbursement, administration and
kredit bermasalah. Tujuannya agar risiko kredit yang handle non-performing credit process. The purpose
timbul dapat terjaga dalam batas toleransi dan is that arising credit risk can be maintained within
kemampuan modal Bank, dan kredit bermasalah the limits of tolerance and ability of the Bank’s
dapat dipulihkan secara optimal sehingga kerugian capital, and non-performing loans can be optimally
yang timbul dapat diminimalkan. Antisipasi terhadap recovered so that the losses can be minimized.
kerugian kredit bermasalah dilakukan pula oleh Anticipating the loss of non-performing loans has
Bank dengan membentuk Cadangan Kerugian also been conducted by the Bank with providing
Penurunan Nilai (CKPN) atas risiko kredit sesuai the allowance for impairment losses (CKPN) on
dengan ketentuan yang berlaku. credit risk in accordance with applicable regulations.
Proses analisa permohonan kredit dilakukan oleh The process of credit application analysis is
unit kerja analis kredit yang independen terhadap conducted by analysist credit unit which
unit bisnis. Sementara untuk memastikan independent from the business unit. Furthermore, to
terpenuhinya ketentuan yang berlaku maka unit ensure the compliance with applicable regulatons,
kerja kepatuhan melakukan analisa uji kepatuhan then Compliance Unit conducts compliance analysis
untuk pemberian fasilitas kredit dengan plafon di before granting the credit facilities with limit credit
atas Rp10.000. above Rp10,000.
117
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
Pengambilan keputusan pemberian kredit diatur Lending decision-making is regulated according to
sesuai kewenangan. Selain menatausahakan authority. Furthermore, loan administration unit has
dokumen perkreditan, unit kerja Administrasi Kredit responsibility to control the fulfillment of required
berfungsi melakukan kontrol terhadap pemenuhan covenants before the loan is disbursed and monitor
covenant yang dipersyaratkan sebelum kredit the payment in accordance with the contract
dicairkan dan pengawasan terhadap ketepatan agreement. The loan disbursement is conducted by
pembayaran sesuai dengan kontrak yang operational unit which instructed by loan
diperjanjikan. Proses pencairan dilakukan unit kerja administration unit after all of the requirements being
operasional atas instruksi dari unit kerja Administrasi fulfilled.
Kredit setelah seluruh persyaratan dipenuhi.
Dalam rangka menekan tingkat kerugian apabila In order to reduce the losses if there are non-
terdapat kredit macet, penanganan kredit performing loan, it is handled by independent
bermasalah dilakukan oleh unit kerja khusus yang special unit. The Bank manages credit concentration
independen. Bank mengelola risiko konsentrasi risk by considering the characteristics of each credit
kredit dengan mempertimbangkan karakteristik and control of the loan segment. This segmentation
masing-masing kredit dan penguasaan Bank atas affects the treatment and policy in determining
segmen yang dimasuki. Segmentasi ini the adequacy of collateral, credit structure and
mempengaruhi perlakuan dan kebijakan dalam covenants required.
menetapkan kecukupan agunan, struktur kredit dan
covenant yang dipersyaratkan.
Bank mengukur dan memantau risiko untuk setiap The Bank measures and monitors risks by individual
debitur baik secara individual, sektor ekonomi debtor, economic sector or entire loan portfolio by
maupun seluruh portofolio kredit dengan implementing the four - eyes principle consistently.
menerapkan four - eyes principle secara konsisten. The Bank is also closely monitor the development of
Bank juga dengan ketat memantau perkembangan the Bank’s credit portfolio that allows to take
portofolio kredit Bank yang memungkinkan untuk preventive measures in a timely manner (Early
melakukan tindakan pencegahan secara tepat Warning) in the event of a decline in credit quality.
waktu (Early Warning) apabila terjadi penurunan
kualitas kredit.
(i) Analisis eksposur maksimum risiko kredit (i) An analysis of the maximum exposure to credit
mempertimbangkan dampak keuangan agunan risk considering the financial effect of collateral
dan peningkatan kredit lainnya: and other credit enhancement:
Nilai tercatat aset keuangan Bank selain dari The carrying value of the Bank’s financial
kredit merupakan eksposur maksimum assets of other than loans represents
risiko kredit. the maximum exposure to credit risk.
Kredit dijamin dengan agunan (misalnya Loans are secured by collateral (e.g. fixed
aset tetap, piutang, kendaraan, persediaan, assets, receivables, vehicles, inventories,
mesin dan lain-lain). Bank menggunakan machineries and et cetera). The Bank uses
nilai wajar agunan sebagai dasar arus kas the fair value of collateral as a basis of
masa depan untuk tujuan penurunan jika future cash flows for impairment purposes
pinjaman bersifat collateral dependent dan if loans are collateral dependent and
penyitaan agunan kemungkinan besar foreclosure of collateral is most likely to
terjadi berdasarkan perjanjian. occur based on the agreement.
Oleh karena itu, nilai tercatat kredit tidak Hence, the carrying value of loans does not
mewakili eksposur maksimum risiko kredit. represent maximum exposure to credit
risk.
Dalam penerbitan bank garansi yang tidak For non-cancellable bank guarantees
dapat dibatalkan, eksposur maksimum atas issued, the maximum exposure to credit
risiko kredit adalah nilai maksimum yang risk is the maximum amount that the Bank
harus dibayarkan oleh Bank dalam hal would have to pay if the obligations of
timbul kewajiban atas penerbitan bank the non-cancellable bank guarantees of
garansi yang tidak dapat dibatalkan. credit issued are called upon.
118
Page 521
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
Tabel dibawah ini menunjukkan net maximum The table below shows the net maximum exposure
exposure atas risiko kredit untuk efek-efek yang of credit risk on securities purchased under resale
dibeli dengan janji dijual kembali pada tanggal- agreements on December 31, 2024 and 2023.
tanggal 31 Desember 2024 dan 2023.
31 Desember/December 31, 2024
Eksposur
maksimum/
Keterangan Maximum Agunan/ Eksposur neto/
Descriptions/ Exposure Collateral Net exposure
Efek-efek yang dibeli
dengan janji Securities purchased
dijual kembali 246.420 249.915 - under resale agreements
31 Desember/December 31, 2023
Eksposur
maksimum/
Keterangan Maximum Agunan/ Eksposur neto/
Descriptions/ Exposure Collateral Net exposure
Efek-efek yang dibeli
dengan janji Securities purchased
dijual kembali 2.146.197 2.248.471 - under resale agreements
(ii) Analisis paparan maksimum eksposur untuk (ii) An analysis of the maximum exposure to credit
risiko kredit berdasarkan lokasi geografis dan risk by geographical location and counterparty
counterparty tanpa memperhitungkan adanya without taking into account of any collateral held
agunan yang dikuasai atau credit enhancement or other credit enhancements:
lainnya:
a) Geografis a) Geographical location
31 Desember/December 31, 2024
Luar/Outside
Jabodetabek Jabodetabek Total
Giro pada Bank Indonesia 1.203.006 - 1.203.006 Current account with Bank Indonesia
Giro pada bank lain 107.900 58.463 166.363 Current accounts with other banks
Penempatan pada
Bank Indonesia dan Placements with Bank Indonesia
bank lain 2.097.182 252.071 2.349.253 and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 420.193 - 420.193 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif other comprehensive
lain 5.832.854 123.095 5.955.949 income
Nilai wajar melalui Fair value through
laba rugi 181.081 - 181.081 profit or loss
Efek-efek yang dibeli
dengan janji dijual Securities purchased
kembali 246.420 - 246.420 under resale agreements
Kredit yang diberikan Loans
Modal kerja 4.363.597 3.915.286 8.278.883 Working capital
Investasi 2.877.597 1.326.065 4.203.662 Investment
Konsumsi 510.406 157.491 667.897 Consumer
Tagihan akseptasi 60.343 - 60.343 Acceptance receivables
Tagihan transaksi perdagangan 274.982 - 274.982 Trade transactions receivables
Tagihan derivatif 574 - 574 Derivative receivables
Piutang bunga 78.977 16.306 95.283 Interest receivables
Aset lain-lain*) 55.593 - 55.593 Other assets*)
Total 18.310.705 5.848.777 24.159.482 Total
Cadangan kerugian
penurunan nilai (204.566) (107.473) (312.039) Allowance for impairment lossses
Neto 18.106.139 5.741.304 23.847.443 Net
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, *) Other assets consist of security deposit, ATM
setoran dalam perjalanan, dan lain-lain. receivables, deposit in transit, and others.
119
Page 522
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(ii) Analisis paparan maksimum eksposur untuk (ii) An analysis of the maximum exposure to credit
risiko kredit berdasarkan lokasi geografis dan risk by geographical location and counterparty
counterparty tanpa memperhitungkan adanya without taking into account of any collateral held
agunan yang dikuasai atau credit enhancement or other credit enhancements: (continued)
lainnya: (lanjutan)
a) Geografis (lanjutan) a) Geographical location (continued)
31 Desember/December 31, 2023
Luar/Outside
Jabodetabek Jabodetabek Total
Giro pada Bank Indonesia 1.600.005 - 1.600.005 Current account with Bank Indonesia
Giro pada bank lain 110.028 68.872 178.900 Current accounts with other banks
Penempatan pada
Bank Indonesia dan Placements with Bank Indonesia
bank lain 2.893.162 280.000 3.173.162 and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 889.316 - 889.316 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif other comprehensive
lain 3.192.175 125.571 3.317.746 income
Nilai wajar melalui Fair value through
laba rugi 162.559 - 162.559 profit or loss
Efek-efek yang dibeli
dengan janji dijual Securities purchased
kembali 2.146.197 - 2.146.197 under resale agreements
Kredit yang diberikan Loans
Modal kerja 4.183.279 3.206.035 7.389.314 Working capital
Investasi 3.401.892 1.457.270 4.859.162 Investment
Konsumsi 294.430 134.280 428.710 Consumer
Tagihan akseptasi 93.108 - 93.108 Acceptance receivables
Tagihan transaksi perdagangan 105.408 - 105.408 Trade transactions receivables
Tagihan derivatif 1.471 - 1.471 Derivative receivables
Piutang bunga 76.820 12.152 88.972 Interest receivables
Aset lain-lain*) 10.353 - 10.353 Other assets*)
Total 19.160.203 5.284.180 24.444.383 Total
Cadangan kerugian
penurunan nilai (211.276) (124.845) (336.121) Allowance for impairment lossses
Neto 18.948.927 5.159.335 24.108.262 Net
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, *) Other assets consist of security deposit, ATM
setoran dalam perjalanan, dan lain-lain. receivables, deposit in transit, and others.
120
Page 523
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
b) Jenis counterparties b) Counterparty types
31 Desember/December 31, 2024
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Giro pada Current account with
Bank Indonesia 1.203.006 - - - - 1.203.006 Bank Indonesia
Giro pada Current accounts
bank lain - neto - 166.358 - - - 166.358 with other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto 1.347.182 1.001.759 - - - 2.348.941 and other banks - net
Efek-efek Marketable securities
Biaya perolehan
diamortisasi - neto - 141.189 39.999 238.996 - 420.184 Amortized cost - net
Nilai wajar melalui
penghasilan Fair value through
komprehensif other comprehensive
lain - neto 3.742.923 117.456 539.331 1.556.239 - 5.955.949 income - net
Nilai wajar melalui Fair value through
laba rugi 88.422 - - 92.659 - 181.081 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji under resale
dijual kembali 246.420 - - - - 246.420 agreements
Kredit yang diberikan Loans
Modal kerja - neto - 8.578 226.565 6.917.553 882.431 8.035.127 Working capital - net
Investasi - neto - 723 - 3.920.465 220.213 4.141.401 Investment - net
Konsumsi - neto - - - - 662.400 662.400 Consumer - net
Tagihan akseptasi
- neto - - - 60.286 - 60.286 Acceptance receivables - net
Tagihan transaksi perdagangan
- neto - - - 274.840 - 274.840 Trade transactions receivable - net
Tagihan derivatif - 200 - 374 - 574 Derivative receivables
Piutang bunga 51.822 7 627 34.325 8.502 95.283 Interest receivables
Aset lain-lain*) - - - 55.593 - 55.593 Other assets*)
Neto 6.679.775 1.436.270 806.522 13.151.330 1.773.546 23.847.443 Net
31 Desember/December 31, 2023
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Giro pada Current account with
Bank Indonesia 1.600.005 - - - - 1.600.005 Bank Indonesia
Giro pada Current accounts
bank lain - neto - 178.893 - - - 178.893 with other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto 1.643.162 1.529.323 - - - 3.172.485 and other banks - net
Efek-efek Marketable securities
Biaya perolehan
diamortisasi - neto - 218.078 80.577 590.636 889.291 Amortized cost - net
Nilai wajar melalui
Penghasilan Fair value through
komprehensif other comprehensive
lain - neto 1.271.261 92.225 433.718 1.520.542 - 3.317.746 income - net
Nilai wajar melalui Fair value through
laba rugi 55.548 - 107.011 - - 162.559 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji under resale
dijual kembali 2.003.073 143.124 - - - 2.146.197 agreements
Kredit yang diberikan Loans
Modal kerja - neto - - 385.849 6.714.139 53.468 7.153.456 Working capital - net
Investasi - neto - 882 - 4.784.188 - 4.785.070 Investment - net
Konsumsi - neto - - - 403.431 - 403.431 Consumer - net
Tagihan akseptasi
- neto - - - 93.020 - 93.020 Acceptance receivables – net
Tagihan transaksi perdagangan
- neto - - - 105.313 - 105.313 Trade transactions receivable - net
Tagihan derivatif - 92 - 1.379 - 1.471 Derivative receivables
Piutang bunga 19.398 4.798 8.225 53.625 2.926 88.972 Interest receivables
Aset lain-lain*) - - - 10.353 - 10.353 Other assets*)
Neto 6.592.447 2.167.415 1.015.380 14.276.626 56.394 24.108.262 Net
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, *) Other assets consist of security deposit, ATM
setoran dalam perjalanan, dan lain-lain. receivables, deposit in transit, and others.
121
Page 524
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
b) Jenis counterparties (lanjutan) b) Counterparty types (continued)
Tabel di bawah ini menunjukan eksposur The table below shows the Bank’s
maksimum risiko kredit Bank untuk maximum credit risk exposure for
komitmen dan garansi. commitments and guarantees.
31 Desember/December 31, 2024
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Bank Garansi - - - 105.697 8.700 114.397 Bank guarantee
Fasilitas
kredit yang Unused loan
belum digunakan - - 526.439 1.582.718 276.782 2.385.939 facilities
Letter of Credit - - - 17.902 - 17.902 Letter of credit
Neto - - 526.439 1.706.317 285.482 2.518.238 Net
31 Desember/December 31, 2023
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Bank Garansi - - - 91.511 19.650 111.161 Bank guarantee
Fasilitas
kredit yang Unused loan
belum digunakan - - 419.272 1.260.524 220.437 1.900.233 facilities
Letter of Credit - - - 25.010 - 25.010 Letter of credit
Neto - - 419.272 1.377.045 240.087 2.036.404 Net
122
Page 525
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iii) Kualitas kredit pada laporan keuangan (iii) Credit quality of financial assets
Informasi kualitas kredit dari aset keuangan The information on the credit quality of neither
yang belum jatuh tempo dan tidak mengalami past due nor impaired financial assets (gross of
penurunan nilai (jumlah bruto sebelum allowance for impairment losses) as of
dikurangi cadangan kerugian penurunan nilai) December 31, 2024 and 2023 without taking
per tanggal-tanggal 31 Desember 2024 dan into account of any collateral held or other credit
2023 tanpa memperhitungkan adanya agunan enhancements are as follows:
yang dikuasai atau credit enhancement lainnya
adalah sebagai berikut:
31 Desember/December 31, 2024
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Giro pada Current account with
Bank Indonesia 1.203.006 - - - 1.203.006 Bank Indonesia
Current accounts with
Giro pada bank lain 166.363 - - - 166.363 other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 2.349.253 - - - 2.349.253 Indonesia and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 420.193 - - - 420.193 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif lain 5.796.633 10.006 149.310 - 5.955.949 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 181.081 - - - 181.081 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 246.420 - - - 246.420 agreements
Kredit yang diberikan Loans
Modal kerja - 7.686.867 138.222 453.794 8,278,883 Working capital
Investasi - 4.065.335 103.087 35.240 4,203,662 Investment
Konsumsi - 624.318 33.390 10.189 667,897 Consumer
Tagihan akseptasi - 60.343 - - 60.343 Accceptance receivables
Tagihan transaksi perdagangan - 274.982 - - 274.592 Trade transactions receivables
Tagihan derivatif - 574 - - 574 Derivative receivables
Piutang bunga 51.947 36.803 6.533 - 95.283 Interest receivables
Aset lain-lain*) 35.145 20.448 - - 55.593 Other assets*)
Total 10.450.041 12.779.676 430.542 499.223 24.159.482 Total
Cadangan kerugian Allowance for
penurunan nilai (326) (99.882) (29.211) (182.620) (312.039) impairment losses
Neto 10.449.715 12.679.794 401.331 316.603 23.847.443 Net
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, *) Other assets consist of security deposit, ATM
setoran dalam perjalanan, dan lain-lain. receivables, deposit in transit, and others.
123
Page 526
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iii) Kualitas kredit pada laporan keuangan (iii) Credit quality of financial assets (continued)
(lanjutan)
31 Desember/December 31, 2023
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Giro pada Current account with
Bank Indonesia 1.600.005 - - - 1.600.005 Bank Indonesia
Current accounts with
Giro pada bank lain 178.900 - - - 178.900 other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 3.173.162 - - - 3.173.162 Indonesia and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 889.316 - - - 889.316 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif lain 3.169.781 10.006 137.959 - 3.317.746 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 162.559 - - - 162.559 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 2.146.197 - - - 2.146.197 agreements
Kredit yang diberikan Loans
Modal kerja - 6.933.888 156.397 299.029 7.389.314 Working capital
Investasi - 4.751.207 26.029 81.926 4.859.162 Investment
Konsumsi - 358.552 400 69.758 428.710 Consumer
Tagihan akseptasi - 93.108 - - 93.108 Accceptance receivables
Tagihan transaksi perdagangan - 105.408 - - 105.408 Trade transactions receivables
Tagihan derivatif 92 1.379 - - 1.471 Derivative receivables
Piutang bunga 47.591 36.641 4.619 121 88.972 Interest receivables
Aset lain-lain*) 3.085 7.268 - - 7.268 Other assets*)
Total 11.370.688 12.297.457 325.404 450.834 24.444.383 Total
Cadangan kerugian Allowance for
penurunan nilai (709) (59.327) (43.384) (232.701) (336.121) impairment losses
Neto 11.369.979 12.238.130 282.020 218.133 24.108.262 Net
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, *) Other assets consist of security deposit, ATM
setoran dalam perjalanan, dan lain-lain. receivables, deposit in transit, and others.
Bank menggunakan pedoman berikut untuk The Bank uses the following guidelines to
menentukan kualitas kredit atas aset determine the credit quality of its financial
keuangannya. assets.
Kredit yang diberikan, piutang bunga dan Loans, interest receivables and acceptance
tagihan akseptasi receivables
a. Tingkat tinggi a. High grade
Ini berkaitan dengan rekening debitur yang This pertains to those accounts from
memiliki riwayat pembayaran yang sangat borrowers with very satisfactory track record
baik dan tidak pernah menunggak of loan repayment and whose accounts did
sepanjang jangka waktu kredit. not turn past due during the term of the loan.
b. Tingkat standar b. Standard grade
Ini berkaitan dengan rekening debitur yang This pertains to those accounts from
memiliki riwayat pembayaran kredit yang borrowers who have an average track
rata-rata baik dan tidak pernah menunggak record of loan repayment and whose
90 hari atau lebih. account did not turn past due for 90 days
and over.
124
Page 527
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iii) Kualitas kredit pada laporan keuangan (iii) Credit quality of financial assets (continued)
(lanjutan)
Efek-efek Marketable securities
Untuk memastikan kualitas dari portofolio In ensuring the quality of its investment
investasinya. Bank mengikuti pemeringkatan portfolio. the Bank follows external risk rating
risiko eksternal dari penyedia yang menerbitkan from published providers such as
peringkat seperti PT Pemeringkat Efek PT Pemeringkat Efek Indonesia (Pefindo) and
Indonesia (Pefindo) dan Fitch Ratings untuk Fitch Ratings for its local corporate marketable
efek-efek korporasi lokal. Tabel di bawah ini securities. The table below presents
menunjukkan peringkat yang ekuivalen dengan the Pefindo and Fitch equivalent grades
Pefindo dan Fitch yang relevan pada masing- relevant to each risk rating class:
masing kelompok peringkat risiko:
Peringkat Risiko
Kualitas Kredit/ Eksternal/
Credit Quality External Risk Rating
Pefindo/Fitch
Tingkat Tinggi/High Grade idAAA to idA-
Tingkat Standar/Standard Grade idBBB+ to idBBB-
Jatuh tempo dan tidak mengalami idBB+ to idCCC
penurunan nilai/Past due but not
impaired
Giro, penempatan pada Bank Indonesia dan Current account and placements with Bank
bank lain Indonesia and other bank
Giro, penempatan pada Bank Indonesia dan Current account and placements with Bank
bank lain diperingkat sebagai tingkat tinggi Indonesia and other banks are rated as high
karena ditempatkan atau ditransaksikan grade since these are deposited in or
dengan bank bereputasi baik yang memiliki transacted with reputable banks which has low
probabilita kebangkrutan rendah. probability of insolvency.
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
diperingkat sebagai tingkat tinggi karena are rated as high grade since these are
ditransaksikan atau dikeluarkan oleh transacted or issued by Government or
Pemerintah atau bank bereputasi baik yang reputable banks which has low probability of
memiliki probabilita kebangkrutan rendah. insolvency.
Aset lain-lain, tagihan akseptasi, dan tagihan Other assets, acceptance receivables,
transaksi perdagangan receivables from trade transactions
Aset lain-lain, tagihan akseptasi, dan tagihan Other assets, acceptance receivables, and
transaksi perdagangan diperingkat sebagai receivables from trade transactions are rated as
tingkat standar karena aset tersebut merupakan standard grade because these are ordinary
aset biasa yang dapat dikembalikan pada saat assets which can be refunded upon termination
penghentian kontrak. of the contract.
125
Page 528
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iv) Analisis umur kredit yang jatuh tempo tetapi (iv) The aging analysis of past due but not impaired
tidak mengalami penurunan nilai pada tanggal- loans as of December 31, 2024 and 2023:
tanggal 31 Desember 2024 dan 2023:
31 Desember/December 31, 2024
Lebih dari
Kurang dari 3 sampai
1 bulan/ 1 sampai 6 bulan/
Less than 3 bulan/ More than
1 month 1 to 3 month 3 to 6 month Jumlah/Total
Modal kerja 138.222 - - 138.222 Working capital
Investasi 103.087 - - 103.087 Investment
Konsumsi 33.390 - - 33.390 Consumer
Total 274.699 - - 274.699 Total
31 Desember/December 31, 2023
Lebih dari
Kurang dari 3 sampai
1 bulan/ 1 sampai 6 bulan/
Less than 3 bulan/ More than
1 month 1 to 3 month 3 to 6 month Jumlah/Total
Modal kerja 156.136 261 - 156.397 Working capital
Investasi 26.029 - - 26.029 Investment
Konsumsi 400 - - 400 Consumer
Total 182.565 261 - 182.826 Total
Risiko Pasar Market Risk
Risiko pasar adalah risiko dimana nilai wajar atau Market risk is the risk that the fair value or future
arus kas masa depan dari instrumen keuangan akan cash flows of financial instruments will fluctuate due
berfluktuasi karena perubahan dalam faktor dalam to changes in market factors, such as interest rates
pasar, seperti tingkat suku bunga dan nilai tukar. and foreign exchange rates.
(i) Risiko suku bunga (i) Interest rate risk
Dalam melaksanakan aktivitasnya, Bank In carrying out its activities, the Bank is exposed
terekspos pada risiko suku bunga yang terdapat to interest rate risk that is contained in
pada aktivitas fungsional Bank seperti kegiatan the Bank's functional activities such as treasury
treasuri dan investasi dalam surat berharga dan and investment activities in securities and
pasar uang serta kegiatan pendanaan. money market and financing activities.
Pemantauan terhadap risiko pasar dilakukan The monitoring of market risk are made daily,
secara harian, yang antara lain dilakukan which among other things made the position of
terhadap posisi surat berharga the category of securities available for sale
kategori available-for-sale (AFS) dan trading (AFS) and trading book (TB). Interest rate risk
book (TB). Pengelolaan risiko suku bunga management is done on the position of financial
dilakukan terhadap posisi instrumen keuangan instruments in both the trading book and
baik dalam trading book maupun banking book. the banking book.
126
Page 529
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Risiko suku bunga dalam trading book dihitung Interest rate risk in the trading book are
dengan metode standar sesuai dengan calculated by standard methods in accordance
ketentuan Otoritas Jasa Keuangan (OJK) yang with the provisions of the Financial Services
berlaku, yaitu meliputi risiko spesifik Authority (FSA) in force, which includes
(menggunakan Metode Jatuh Tempo) dan risiko the specific risks (using method Maturity) and
umum. Sedangkan risiko suku bunga dalam general risk. While the interest rate risk in
banking book dikelola dengan melakukan the banking book is managed by analyzing
analisa repricing gap antara Risk Sensitive the repricing gap between Risk Sensitive Assets
Asset (RSA) dan Risk Sensitive Liabilities (RSA) and the Risk Sensitive Liabilities (RSL).
(RSL). Analisa repricing gap dilakukan untuk Repricing gap analysis was conducted to
mengukur dampak dari perubahan suku bunga measure the impact of changes in interest rates
(naik/turun) pada banking book tersebut (up/down) on the banking book to the net
terhadap pendapatan bunga bersih (Net interest income (Net Income Increase or NII).
Increase Income atau NII).
Pengelolaan risiko suku bunga dilengkapi Interest rate risk management is equipped with
dengan analisa sensitivitas secara periodik a sensitivity analysis periodically to measure
untuk mengukur dampak dari perubahan suku the impact of changes in interest rates
bunga yang signifikan. Risiko suku bunga significantly. Interest rate risk in the Banking
dalam Banking Book (IRBB) pada tanggal Book (IRBB) on December 31, 2024 were rated
31 Desember 2024 dinilai sedang yang as reflected in asset gap - cumulative liabilities
tercermin dari gap asset - liabilities kumulatif on time scales of 0 - 3 months is still quite large
pada skala waktu 0 - 3 bulan yang masih cukup tend to rise at the end of the year. IRBB to
besar cenderung meningkat diakhir tahun. mitigate risk, the Bank has consistently applied
Untuk memitigasi risiko IRBB ini, Bank secara the imposition of interest rate (floating rate)
konsisten menerapkan pengenaan suku bunga virtually all funding and lending products, with
mengambang (floating rate) hampir di semua the aim that can be rapidly carried out alignment
produk funding dan lending, dengan tujuan agar when the risk of potentially affect NII IRBB
dapat secara cepat dilakukan penyelarasan significantly. The Bank also continued to
apabila risiko IRBB ini berpotensi improve the structure of revenues from fee-
mempengaruhi NII secara signifikan. Bank juga based income, so that setting interest rates can
terus memperbaiki struktur pendapatan dari fee be more flexible and competitive.
based income, agar pengaturan suku bunga
dapat lebih fleksibel dan memiliki daya saing.
Pengaturan gap repricing ini dilakukan dengan Repricing gap arrangement is done by
peninjauan secara berkala suku bunga kredit periodically reviewing rates of credit and third
dan dana pihak ketiga yang dibahas pada parties fund discussed at each monthly meeting
setiap rapat bulanan Asset Liability Commitee Asset Liability Committee (ALCO). The aim is
(ALCO). Tujuannya adalah agar gap - repricing that gap - this repricing in line with movements
ini searah dengan pergerakan suku bunga in market interest rates. The treasury work unit
pasar. Unit kerja treasuri bertanggungjawab is responsible for managing the repricing gap by
atas pengaturan gap repricing dengan considering the repricing gap limit.
memerhatikan gap limit yang terjadi.
127
Page 530
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Tabel di bawah ini menganalisa eksposur The table below analysis the Bank’s interest rate
tingkat suku bunga Bank untuk aset dan risk exposure on financial assets and liabilities.
liabilitas keuangan. Aset dan liabilitas Bank The Bank’s assets and liabilities are measured
dicatat pada nilai tercatat dan dikategorikan at carrying amount and categorized by the
contractual re-pricing atau tanggal jatuh tempo. earlier of contractual re-pricing or maturity dates.
(lanjutan) (continued)
31 Desember/December 31, 2024
Suku bunga mengambang/Floating interest rate
Lebih dari 3
bulan tetapi
tidak lebih
dari 1 tahun/ Tidak
Tidak lebih More than 3 Lebih dari 1 Suku bunga dikenakan
dari 3 bulan/ months but tahun/ tetap/ bunga/
Less than less than 1 More than 1 Fixed non-interest
3 months year year interest rate bearing Total
Aset Keuangan Financial Assets
Giro pada Current account with
Bank Indonesia 1.203.006 - - - - 1.203.006 Bank Indonesia
Giro pada Current accounts with
bank lain - neto 166.358 - - - - 166.358 other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto - - - 2.348.941 - 2.348.941 and other banks - net
Efek-efek- neto - - - 6.557.214 - 6.557.214 Marketable securities - net
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali - - - 246.420 - 246.420 agreements
Kredit yang diberikan - neto 3.220.421 2.976.250 6.623.629 18.628 - 12.838.928 Loans - net
Tagihan akseptasi - neto - - - - 60.286 60.286 Acceptance receivables – net
Tagihan transaksi Trade transactions
perdagangan - neto - - - 274.840 - 274.840 receivables - net
Tagihan derivatif - - - - 574 574 Derivative receivables
Piutang bunga - - - - 95.283 95.283 Interest receivables
Aset lain-lain*) - - - - 55.593 55.593 Other assets*)
Total aset keuangan 4.589.785 2.976.250 6.623.629 9.446.043 211.736 23.847.443 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - 22.836 22.836 Liabilities due immediately
Simpanan dari nasabah 18.820.063 1.302.410 4.743 - - 20.127.216 Deposits from customers
Simpanan dari bank lain 405.408 - - - - 405.408 Deposits from other banks
Liabilitas akseptasi - - - - 60.343 60.343 Acceptance Payable
Liabilitas derivatif - - - - 1.127 1.127 Derivative Payable
Utang bunga - - - 45.631 45.631 Interest payables
Liabilitas lain-lain**) - - - 66.438 5.819 72.257 Other liabilities**)
Total liabilitas keuangan 19.225.471 1.302.410 4.743 66.438 135.756 20.734.818 Total financial liabilities
Interest Gap (14.635.686) 1.673.840 6.618.886 9.379.605 75.980 3.112.625 Interest Gap
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, setoran *) Other assets consist of security deposit, ATM receivables, deposit
dalam perjalanan, dan lain-lain. in transit, and others.
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih **) Other liabilities consist of lease liabilities, accrued expenses,
harus dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
128
Page 531
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Tabel di bawah ini menganalisa eksposur The table below analysis the Bank’s interest rate
tingkat suku bunga Bank untuk aset dan risk exposure on financial assets and liabilities.
liabilitas keuangan. Aset dan liabilitas Bank The Bank’s assets and liabilities are measured
dicatat pada nilai tercatat dan dikategorikan at carrying amount and categorized by the
contractual re-pricing atau tanggal jatuh tempo. earlier of contractual re-pricing or maturity dates.
(lanjutan) (continued)
31 Desember/December 31, 2023
Suku bunga mengambang/Floating interest rate
Lebih dari 3
bulan tetapi
tidak lebih
dari 1 tahun/ Tidak
Tidak lebih More than 3 Lebih dari 1 Suku bunga dikenakan
dari 3 bulan/ months but tahun/ tetap/ bunga/
Less than less than 1 More than 1 Fixed non-interest
3 months year year interest rate bearing Total
Aset Keuangan Financial Assets
Giro pada Current account with
Bank Indonesia 1.600.005 - - - - 1.600.005 Bank Indonesia
Giro pada Current accounts with
bank lain - neto 178.893 - - - - 178.893 other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto - - - 3.172.485 - 3.172.485 and other banks - net
Efek-efek- neto - - - 4.369.596 - 4.369.596 Marketable securities - net
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali - - - 2.146.197 - 2.146.197 agreements
Kredit yang diberikan - neto 3.095.764 2.861.045 6.367.241 17.907 - 12.341.957 Loans - net
Tagihan akseptasi - neto - - - - 93.020 93.020 Acceptance receivables – net
Tagihan transaksi Trade transactions
perdagangan - neto - - - 105.313 - 105.313 receivables - net
Tagihan derivatif - - - - 1.471 1.471 Derivative receivables
Piutang bunga - - - - 88.972 88.972 Interest receivables
Aset lain-lain*) - - - - 10.353 10.353 Other assets*)
Total aset keuangan 4.874.662 2.861.045 6.367.241 9.811.498 193.816 24.108.262 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - 28.436 28.436 Liabilities due immediately
Simpanan dari nasabah 18.781.463 533.582 864 - - 19.315.909 Deposits from customers
Simpanan dari bank lain 966.590 - - - - 966.590 Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji dibeli under repurchase
kembali - - - 239.027 - 239.027 agreements
Liabilitas akseptasi - - - - 93.108 93.108 Acceptance Payable
Liabilitas derivatif - - - - 90 90 Derivative Payable
Utang bunga - - - - 41.478 41.478 Interest payables
Liabilitas lain-lain**) - - - 34.387 10.712 45.099 Other liabilities**)
Total liabilitas keuangan 19.748.053 533.582 864 273.414 173.824 20.729.737 Total financial liabilities
Interest Gap (14.873.391) 2.327.463 6.366.377 9.538.084 19.992 3.378.525 Interest Gap
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, setoran *) Other assets consist of security deposit, ATM receivables, deposit
dalam perjalanan, dan lain-lain. in transit, and others.
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih **) Other liabilities consist of lease liabilities, accrued expenses,
harus dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
129
Page 532
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Tabel berikut menunjukkan tingkat sensitivitas The following table demonstrates the sensitivity
terhadap kemungkinan perubahan suku bunga to a reasonable possible change in interest
yang wajar, dengan semua variabel lainnya rates, with all other variables held constant, of
tetap konstan, dalam laporan laba rugi dan the Bank’s statement of profit or loss and other
penghasilan komprehensif lain Bank, sesuai comprehensive income, based on Assets &
Assets & Liabilities Gap Report untuk posisi Liabilities Gap Report for banking book.
tidak diperdagangkan (banking book). The sensitivity of the statement of profit or loss
Sensitivitas laporan laba rugi dan penghasilan and other comprehensive income is the effect
komprehensif lain adalah dampak dari of the assumed changes in interest rates on
perubahan suku bunga yang diasumsikan pada the profit or loss for the period. The total
laporan laba rugi. Total sensitivitas laba rugi sensitivity of profit or loss is based on
didasarkan pada asumsi bahwa terdapat the assumption that there are parallel shifts in
pergeseran paralel dalam kurva hasil (tidak the yield curve (unaudited).
diaudit).
Pengaruh terhadap
laporan laba rugi
dan penghasilan
komprehensif lain/
Perubahan Impact to statement
Persentase/ of profit or loss and
Percentage other comprehensive
Change income
31 Desember 2024 +/-0,18% -/+20.677 December 31, 2024
Pengaruh terhadap
laporan laba rugi
dan penghasilan
komprehensif lain/
Perubahan Impact to statement
Persentase/ of profit or loss and
Percentage other comprehensive
Change income
31 Desember 2023 +/-0,12% -/+14.431 December 31, 2023
(ii) Risiko mata uang (ii) currency risk
Tabel berikut menunjukkan tingkat sensitivitas The following table demonstrates the sensitivity
terhadap kemungkinan perubahan nilai tukar to a reasonable possible change in exchange
mata uang asing yang wajar, dengan semua rate of foreign currency, with all other variables
variabel lainnya tetap konstan, dalam laporan held constant, of the Bank’s statement of profit
laba rugi dan penghasilan komprehensif lain or loss and other comprehensive income.
Bank. Sensitivitas laporan laba rugi dan The sensitivity of the statement of profit or loss
penghasilan komprehensif lain adalah dampak and other comprehensive income is the effect
dari perubahan nilai tukar mata uang asing yang of the assumed changes in exchange rate of
diasumsikan pada laporan laba rugi. Total foreign currency on the profit or loss for the
sensitivitas laba rugi didasarkan pada asumsi period. The total sensitivity of profit or loss is
bahwa terdapat pergeseran paralel dalam kurva based on the assumption that there are parallel
hasil (tidak diaudit). shifts in the yield curve (unaudited).
Pengaruh terhadap
laporan laba rugi
dan penghasilan
komprehensif lain/
Perubahan Impact to statement
Persentase/ of profit or loss and
Percentage other comprehensive
Change income
31 Desember 2024 +/-5,00% -/+906 December 31, 2024
130
Page 533
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(ii) Risiko mata uang (lanjutan) (ii) currency risk (continued)
Pengaruh terhadap
laporan laba rugi
dan penghasilan
komprehensif lain/
Perubahan Impact to statement
Persentase/ of profit or loss and
Percentage other comprehensive
Change income
31 Desember 2023 +/-5,00% +/-961 December 31, 2023
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat Liquidity risk is risk due to the inability of the Bank
ketidakmampuan Bank untuk memenuhi kewajiban to fulfill its maturing obligations from cash flow
yang jatuh tempo dari sumber pendanaan arus kas funding and/or high-quality liquid assets that can be
dan/atau dari aset likuid yang berkualitas tinggi yang pledged without disrupting the activities and
dapat diagunkan tanpa mengganggu aktivitas dan financial condition. The implementation of the
kondisi keuangan Bank. Penerapan manajemen Bank’s liquidity risk are minimizing the potential
risiko likuiditas Bank bertujuan untuk meminimalkan inability of the Bank in obtaining cash flow funding.
kemungkinan ketidakmampuan Bank dalam
memperoleh sumber pendanaan arus kas.
Permasalahan likuiditas di Bank pada umumnya Liquidity problems in the Bank in general, relatively
relatif sama dengan permasalahan likuiditas bank- equal to the liquidity problems of other banks in
bank lainnya di Indonesia seperti memiliki risiko Indonesia as having the risk of maturity mismatches
ketidakcocokan saat jatuh tempo (mismatch) dari sisi in terms of liquidity, since most of the liabilities are
likuiditas, karena sebagian besar liabilitas bersifat short-term while their assets have a longer tenor.
jangka pendek sedangkan asetnya memiliki tenor Accordingly, the Bank evaluate and review
yang lebih panjang. Sehubungan dengan itu, Bank the statement of financial position structure as well
telah melakukan evaluasi dan menelaah struktur as taking a conservative stance in analyzing and
laporan posisi keuangan serta mengambil sikap measuring liquidity.
konservatif dalam menganalisis dan mengukur
likuiditas.
131
Page 534
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
Risiko likuiditas dikendalikan dengan menjaga Liquidity risk is controlled by maintaining adequate
kecukupan likuiditas Bank dengan Bank’s liquidity by considering exogenic and
memperhitungkan likuiditas eksogenik dan endogenic liquidity that occur. Preservation of asset
endogenik yang terjadi. Penjagaan kualitas aset quality is made to minimize disruption of cash flow
dilakukan untuk meminimalkan gangguan arus kas and reduction in assets liquidity. Risk control is also
dan kemungkinan penurunan likuiditas aset. done with maturity gap arrangement at every time
Pengendalian risiko juga dilakukan dengan scale which will be reviewed during ALCO
pengaturan gap maturity pada tiap skala waktu, meetings. Preservation of liquidity resources is
yang direviu pada saat rapat ALCO yang dilakukan done with maintaining the Bank’s reputation and
paling kurang satu kali dalam satu bulan. Penjagaan efforts to improve the quality of products and
sumber-sumber likuiditas dilakukan dengan services.
menjaga reputasi Bank serta upaya meningkatan
kualitas produk dan jasa yang diberikan.
Pemantauan terhadap likuiditas Bank dilakukan Monitoring of Bank’s liquidity is done in daily basis
secara harian dan sebagai bagian dari sistem and as part of the management information system
informasi manajemen hasil pemantauan tersebut will be reported to management. Monitoring is
dilaporkan kepada Manajemen. Pemantauan conducted to the composition of financial position,
antara lain dilakukan terhadap komposisi posisi the activity of outflows fund and incoming funds
keuangan Bank, aktivitas dana keluar dan dana which reflected in Real Time Gross Settlement
masuk yang tercermin dari transaksi Real Time (RTGS) and SKN transactions, money market
Gross Settlement (RTGS) dan SKN, aktivitas activities, assets liquidity position both primary and
money market, posisi aset likuid baik primer secondary, as well as liquidity ratios such as
maupun sekunder, serta rasio-rasio likuiditas adequact of liquid assets ratio and Loan to Funding
seperti rasio kecukupan aset likuid dan Loan to Ratio. Monitoring of the fulfillment of statutory
Funding Ratio. Pemantauan terhadap pemenuhan reserves (GWM) both primary and secondary is
Giro Wajib Minimum (GWM) baik primer maupun made to ensure that the Bank is maintain GWM
sekunder dilakukan untuk memastikan bahwa Bank which determine in Bank Indonesia requirement.
selalu menjaga GWM sesuai yang telah ditentukan
oleh Bank Indonesia.
Core fund atau dana yang tidak ditarik oleh nasabah Core fund or funds that are not drawn by
dan dinilai stabil berada dalam besaran yang cukup the customer and rated stable are in fairly good
baik. Bank senantiasa melakukan pemantauan quantities. Bank constantly monitors the position of
terhadap posisi core fund dan berupaya untuk core fund and seeks to continually improve
secara berkesinambungan meningkatkan the percentage of nominal funds held. Core fund
persentase terhadap jumlah dana yang dimiliki. becomes a very important part for the Bank in
Core fund menjadi bagian yang sangat penting bagi intermediary function include the provision of long-
Bank dalam menjalankan fungsi intermediasi term funds. This is because the portfolio of third
berupa penyediaan dana jangka panjang. Hal ini party funds held by the Bank largely with maturity of
mengingat portofolio dana pihak ketiga yang dimiliki up to one (1) year. Efforts taken to raise sinking
Bank sebagian besar berjangka waktu sampai funds among others are created programs that
dengan 1 (satu) tahun. Upaya yang dilakukan untuk require customer funds on hold and can not be
meningkatkan dana mengendap antara lain withdrawn until a specified period in accordance
diciptakan program-program yang mengharuskan with the provisions of the program.
dana nasabah ditahan dan tidak dapat ditarik
sampai jangka waktu tertentu sesuai dengan
ketentuan program.
132
Page 535
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
ALCO berperan sebagai forum manajemen senior ALCO acted as the highest forum of senior
tertinggi untuk memonitor situasi likuiditas Bank. management to monitor the Bank's liquidity
ALCO bertanggung jawab untuk menentukan situation. ALCO is responsible for determining
kebijakan dan strategi yang berkaitan dengan aset the policies and strategies related to the assets and
dan liabilitas Bank sejalan dengan prinsip kehati- liabilities of the Bank in accordance with
hatian manajemen risiko dan peraturan yang the principles of prudence and risk management
berlaku. ALCO menyetujui kerangka limit, regulations. ALCO approved the framework of
mempertimbangkan struktur laporan posisi limits, considering the structure of the statement of
keuangan jangka panjang dari Bank. Pada financial position of the Bank's long term. Basically,
dasarnya, risiko likuiditas dikelola sesuai dengan liquidity risk is managed in accordance with
kerangka kebijakan, pengawasan, dan batasan the policy framework, supervision, and limits ensure
yang memastikan bahwa konsentrasi pendanaan that the funding concentration is minimal, as well as
bersifat minimal, serta sumber dan jangka waktu the resources and time frames have been
pendanaan telah terdiversifikasi. diversified.
(i) Analisa jatuh tempo aset dan liabilitas keuangan (i) The analysis of maturities of financial assets and
pada tanggal-tanggal 31 Desember 2024 dan liabilities as of December 31, 2024 and 2023,
2023 adalah sebagai berikut: are as follows:
31 Desember/December 31, 2024
Lebih dari Lebih dari
3 s/d 12 bulan/ 1 s/d 5 tahun/
Nilai Tercatat/ Lainnya/ < 1 bulan/ 1 s/d 3 bulan/ More than More than > 5 tahun/
Akun Carrying Value Others < 1 month 1 up to 3 month 3 up to 12 month 1 up to 5 years > 5 years Accounts
Aset keuangan Financial assets
Current account with
Giro pada Bank Indonesia 1.203.006 - 1.203.006 - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 166.363 - 166.363 - - - - other banks
Placement with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 2.349.253 - 2.349.253 - - - - other banks
Efek-efek 6.557.223 - 288.262 1.160.675 1.966.965 1.837.873 1.303.448 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 246.420 - 246.420 - - - - agreements
Kredit yang diberikan 13.150.442 - 1.079.110 2.196.474 2.986.319 3.033.236 3.855.303 Loans
Tagihan akseptasi 60.343 - 32.324 23.166 4.853 - - Acceptance receivables
Tagihan transaksi perdagangan 274.982 - 166.959 95.196 12.827 - - Trade transactions receivables
Tagihan derivatif 574 - 452 122 - - - Derivative receivables
Piutang bunga 95.283 - 57.780 28.688 8.815 - - Interest receivables
Aset lain-lain*) 55.593 - 38.302 - - 17.291 - Other assets*)
24.159.482 - 5.628.231 3.504.321 4.979.779 4.888.400 5.158.751
Cadangan kerugian Allowance of
penurunan nilai (312.039) (312.039) - - - - - impairment losses
Total aset keuangan 23.847.443 (312.039) 5.628.231 3.504.321 4.979.779 4.888.400 5.158.751 Total financial assets
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, setoran dalam *) Other assets consist of security deposit, ATM receivables, deposit
perjalanan, dan lain-lain. in transit, and others.
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus **) Other liabilities consist of lease liabilities, accrued expenses,
dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
133
Page 536
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
(i) Analisa jatuh tempo aset dan liabilitas keuangan (ii) The analysis of maturities of financial assets and
pada tanggal-tanggal 31 Desember 2024 dan liabilities as of December 31, 2024 and 2023,
2023 adalah sebagai berikut: (lanjutan) are as follows: (continued)
31 Desember/December 31, 2024
Lebih dari Lebih dari
3 s/d 12 bulan/ 1 s/d 5 tahun/
Nilai Tercatat/ Lainnya/ < 1 bulan/ 1 s/d 3 bulan/ More than More than > 5 tahun/
Akun Carrying Value Others < 1 month 1 up to 3 month 3 up to 12 month 1 up to 5 years > 5 years Accounts
Liabilitas keuangan Financial liabilities
Liabilitas segera 22.836 - 22.836 - - - - Liabilities due immediately
Simpanan nasabah 20.127.216 - 15.280.674 3.607.914 1.233.886 4.669 73 Deposits from customers
Simpanan dari bank Lain 405.408 - 405.408 - - - - Deposits from other banks
Liabilitas akseptasi 60.343 - 32.324 23.166 4.853 - - Acceptance payable
Liabilitas derivatif 1.127 - 480 647 - - - Derivative payable
Utang bunga 45.631 - 27.789 11.637 6.205 - - Interest payables
Liabilitas lain-lain**) 72.257 - 15.120 - 214 56.923 - Other liabilities**)
Total liabilitas keuangan 20.734.818 - 15.784.631 3.643.364 1.245.158 61.592 73 Total financial liabilities
Perbedaan jatuh tempo 3.112.625 (312.039) (10.156.400 ) (139.043 ) 3.734.621 4.826.808 5.158.678 Maturity gap
31 Desember/December 31, 2023
Lebih dari Lebih dari
3 s/d 12 bulan/ 1 s/d 5 tahun/
Nilai Tercatat/ Lainnya/ < 1 bulan/ 1 s/d 3 bulan/ More than More than > 5 tahun/
Akun Carrying Value Others < 1 month 1 up to 3 month 3 up to 12 month 1 up to 5 years > 5 years Accounts
Aset keuangan Financial assets
Current account with
Giro pada Bank Indonesia 1.600.005 - 1.600.005 - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 178.900 - 178.900 - - - - other banks
Placement with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 3.173.162 - 3.173.162 - - - - other banks
Efek-efek 4.369.621 - 107.011 5.022 998.812 2.586.301 672.475 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 2.146.197 - 2.146.197 - - - - agreements
Kredit yang diberikan 12.677.186 - 1.040.275 2.117.428 2.878.848 2.924.076 3.716.559 Loans
Tagihan akseptasi 93.108 - 47.352 28.416 17.340 - - Acceptance receivables
Tagihan transaksi perdagangan 105.408 - 39.844 55.183 10.381 - - Trade transactions receivables
Tagihan derivatif 1.471 - 1.207 264 - - - Derivative receivables
Piutang bunga 88.972 - 53.953 26.788 8.231 - - Interest receivables
Aset lain-lain*) 10.353 - 3.085 - - 7.268 - Other assets*)
24.444.383 - 8.390.991 2.233.101 3.913.612 5.517.645 4.389.034
Cadangan kerugian Allowance of
penurunan nilai (336.121) (336.121) - - - - - impairment losses
Total aset keuangan 24.108.262 (336.121) 8.392.991 2.233.101 3.913.612 5.517.645 4.389.034 Total financial assets
Liabilitas keuangan Financial liabilities
Liabilitas segera 28.436 - 28.436 - - - - Liabilities due immediately
Simpanan nasabah 19.315.909 - 16.250.301 2.531.162 533.582 864 - Deposits from customers
Simpanan dari bank Lain 966.590 - 341.590 470.000 155.000 - - Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji dibeli under repurchase
kembali 239.027 - 239.027 - - - - agreements
Liabilitas akseptasi 93.108 - 47.352 28.416 17.340 - - Acceptance payable
Liabilitas derivatif 90 - 37 53 - - - Derivative payable
Utang bunga 41.478 - 38.289 2.231 958 - - Interest payables
Liabilitas lain-lain**) 45.099 - 10.712 - 8.023 26.364 - Other liabilities**)
Total liabilitas keuangan 20.729.737 - 16.955.744 3.031.862 714.903 27.228 - Total financial liabilities
Perbedaan jatuh tempo 3.378.525 (336.121) (8.562.753) (800.761) 3.198.709 5.490.417 4.389.034 Maturity gap
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, setoran dalam *) Other assets consist of security deposit, ATM receivables, deposit
perjalanan, dan lain-lain. in transit, and others.
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus **) Other liabilities consist of lease liabilities, accrued expenses,
dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
134
Page 537
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
(ii) Analisis instrumen keuangan berdasarkan sisa (ii) Analysis of financial instruments by remaining
jatuh tempo kontraktual: contractual maturities:
Liabilitas keuangan Financial liabilities
Pengelompokan jatuh tempo yang relevan The relevant maturity grouping is based on
berdasarkan sisa periode saat tanggal laporan the remaining period at the financial position
posisi keuangan sampai dengan tanggal jatuh date to the contractual maturity date. When
tempo kontraktual. Ketika counterparty memiliki counterparty has a choice of when the amount
pilihan untuk menentukan waktu pembayaran, is paid, the liability is allocated to the earliest
liabilitas dialokasikan ke periode yang lebih period where the Bank can be required to pay.
cepat dimana Bank dapat diminta untuk
melakukan pembayaran.
Tabel dibawah ini merangkum profil jatuh tempo The table below summarizes the maturity profile
liabilitas keuangan Bank pada tanggal-tanggal of the Bank financial liabilities as of December
31 Desember 2024 dan 2023 berdasarkan pada 31, 2024 and 2023, based on undiscounted
pembayaran kontraktual yang tidak didiskon: contractual payments:
31 Desember/December 31, 2024
Lebih dari Lebih dari
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1 Month to 3 Months to More than
Total On demand 1 Month 3 Months 12 Months 12 Months
Liabilitas Keuangan Financial Liabilities
Liabilitas segera 22.836 - 22.836 - - - Liabilities due immediately
Simpanan nasabah 20.200.190 5.550.752 9.778.868 3.556.861 1.308.966 4.743 Deposits from customers
Simpanan dari bank lain 407.200 42.407 364.793 - - - Deposits from other banks
Liabilitas akseptasi 60.343 - 32.324 23.166 4.853 - Acceptance payable
Liabilitas derivatif 1.127 - 480 647 - - Derivative payable
Utang bunga 45.631 - 27.789 11.637 6.205 - Interest payables
Liabilitas lain-lain*) 75.790 - 17.196 6.228 24.446 27.920 Other liabilities*)
Total liabilitas keuangan 20.813.117 5.593.159 10.244.286 3.598.539 1.344.470 32.663 Total financial liabilities
31 Desember/December 31, 2023
Lebih dari Lebih dari
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1 Month to 3 Months to More than
Total On demand 1 Month 3 Months 12 Months 12 Months
Liabilitas Keuangan Financial Liabilities
Liabilitas segera 28.436 - 28.436 - - - Liabilities due immediately
Simpanan nasabah 19.376.078 6.522.017 9.774.323 2.542.942 535.932 864 Deposits from customers
Simpanan dari bank lain 971.386 36.790 306.422 472.378 155.796 - Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji under repurchase
dibeli kembali 242.370 - 242.370 - - - agreements
Liabilitas akseptasi 93.108 - 47.350 28.418 17.340 - Acceptance payable
Liabilitas derivatif 90 - 37 53 - - Derivative payable
Utang bunga 41.478 - 38.289 2.231 958 - Interest payables
Liabilitas lain-lain*) 48.887 - 10.712 - 9.327 28.848 Other liabilities*)
Total liabilitas keuangan 20.801.833 6.558.807 10.447.939 3.046.022 719.353 29.712 Total financial liabilities
*) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus *) Other liabilities consist of lease liabilities, accrued expenses,
dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
135
Page 538
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. MANAJEMEN RISIKO KEUANGAN (lanjutan) 40. FINANCIAL RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
(ii) Analisis instrumen keuangan berdasarkan sisa (ii) Analysis of financial instruments by remaining
jatuh tempo kontraktual: (lanjutan) contractual maturities: (continued)
Tabel dibawah ini menunjukan sisa jatuh tempo The table below shows the remaining
kontraktual dari komitmen Bank dan kewajiban contractual maturity of the Bank’s commitments
kontinjensi pada tanggal-tanggal 31 Desember and contingent liabilities as of December 31,
2024 dan 2023: (lanjutan) 2024 and 2023: (continued)
31 Desember/December 31, 2024
Lebih dari
Nilai Kurang dari 3 - 12 Lebih dari
Tercatat/ 1 Bulan/ 1-3 Bulan/ 12 Bulan/
Carrying Less than Bulan/ More than More than
Value 1 Month 1 - 3 Months 3 - 12 Months 12 Months
Liabilitas Komitmen dan Commitment Payables and
Kontinjensi Contingencies
Fasilitas kredit yang
belum digunakan 2.385.939 436.436 539.192 1.053.925 356.386 Unused loan facilities
Bank garansi 114.397 2.292 64.973 45.132 2.000 Bank guarantees
Letter of Credit 17.902 3.851 14.051 - - Letter of Credit
Total 2.518.238 442.579 618.216 1.099.057 358.386 Total
31 Desember/December 31, 2023
Lebih dari
Nilai Kurang dari 3 - 12 Lebih dari
Tercatat/ 1 Bulan/ 1-3 Bulan/ 12 Bulan/
Carrying Less than Bulan/ More than More than
Value 1 Month 1 - 3 Months 3 - 12 Months 12 Months
Liabilitas Komitmen dan Commitment Payables and
Kontinjensi Contingencies
Fasilitas kredit yang
belum digunakan 1.900.233 347.591 429.429 839.377 283.836 Unused loan facilities
Bank garansi 111.161 2.000 22.352 85.716 1.093 Bank guarantees
Letter of Credit 25.010 7.330 13.825 3.855 - Letter of Credit
Total 2.036.404 356.921 465.606 928.948 284.929 Total
136
Page 539
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 41. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND FAIR VALUE OF FINANCIAL
MONETER DALAM MATA UANG ASING ASSETS AND LIABILITIES
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
Tabel di bawah ini menunjukkan perbandingan per The following table presents the comparison by
kategori atas nilai tercatat dan estimasi nilai wajar category of carrying amounts and estimated fair
dari instrumen keuangan Bank: values of the Bank’s financial instruments:
31 Desember/ 31 Desember/
December 31, 2024 December 31, 2023
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Aset Keuangan Financial Assets
Biaya perolehan diamortisasi Amortized cost
Kas 138.875 138.875 71.563 71.563 Cash
Current account with
Giro pada Bank Indonesia 1.203.006 1.203.006 1.600.005 1.600.005 Bank Indonesia
Current account with
Giro pada bank lain - neto 166.358 166.358 178.893 178.893 other banks - net
Penempatan pada
Bank Indonesia Placement with Bank Indonesia
dan bank lain - neto 2.348.941 2.348.941 3.172.485 3.172.485 and other banks - net
Efek-efek - neto 420.184 418.752 889.291 889.042 Marketable securities - net
Efek-efek yang dibeli
dengan janji Securities purchased under
untuk dijual kembali 246.420 246.420 2.146.197 2.146.197 resale agreements
Kredit yang diberikan - neto 12.838.928 12.838.666 12.341.957 12.341.214 Loans - net
Piutang bunga 95.283 95.283 88.972 88.972 Interest receivables
Tagihan akseptasi - neto 60.286 60.286 93.020 93.020 Acceptance receivables – net
Tagihan transaksi perdagangan 274.840 274.840 105.313 105.313 Trade transactions receivables - net
Aset lain-lain*) 55.593 55.593 10.363 10.363 Other assets*)
Nilai wajar melalui penghasilan Fair value through
komprehensif lain other comprehensive income
Efek-efek 5.955.949 5.955.949 3.317.746 3.317.746 Marketable securities
Nilai wajar melalui Fair value through
laba rugi profit or loss
Efek-efek 181.081 181.081 162.559 162.559 Marketable securities
Tagihan derivatif 574 574 1.471 1.471 Derivative receivables
Total aset keuangan 23.986.318 23.984.624 24.179.825 24.178.833 Total financial assets
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, setoran dalam *) Other assets consist of security deposit, ATM receivables, deposit in
perjalanan, dan lain-lain. transit, and others.
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus **) Other liabilities consist of lease liabilities, accrued expenses and
dibayar dan cadangan iuran OJK allowance for OJK
137
Page 540
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 41. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
(lanjutan) (continued)
Tabel di bawah ini menunjukkan perbandingan per The following table presents the comparison by
kategori atas nilai tercatat dan estimasi nilai wajar category of carrying amounts and estimated fair
dari instrumen keuangan Bank: (lanjutan) values of the Bank’s financial instruments:
(continued)
31 Desember/ 31 Desember/
December 31, 2024 December 31, 2023
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Liabilitas Keuangan Financial Liabilities
Biaya perolehan diamortisasi Amortized cost
Liabilitas segera 22.836 22.836 28.436 28.436 Liabillities due immediately
Simpanan nasabah 20.127.216 20.127.216 19.315.909 19.315.909 Deposits from customer
Simpanan dari bank lain 405.408 405.408 966.590 966.590 Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
Untuk dibeli kembali - - 239.027 239.027 repurchase agreements
Liabilitas akseptasi 60.343 60.343 93.108 93.108 Acceptance payables
Utang bunga 45.631 45.631 41.478 41.478 Interest payable
Liabilitas lain-lain**) 72.257 72.257 45.099 45.099 Other liabilities**)
Nilai wajar melalui Fair value through
laba rugi profit or loss
Liabilitas derivatif 1.127 1.127 90 90 Derivative payables
Total liabilitas keuangan 20.734.818 20.734.818 20.729.737 20.729.737 Total financial liabilities
*) Aset lain-lain terdiri dari setoran jaminan, piutang ATM, setoran dalam *) Other assets consist of security deposit, ATM receivables, deposit in
perjalanan, dan lain-lain. transit, and others.
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus **) Other liabilities consist of lease liabilities, accrued expenses, allowance
dibayar, cadangan iuran OJK, dan setoran jaminan for OJK, and guarantee deposit
Berikut metode dan asumsi yang digunakan untuk The following methods and assumptions are used to
perkiraan nilai wajar: estimate the fair value:
Nilai wajar aset dan liabilitas keuangan tertentu Fair values of certain financial assets and liabilities
selain efek-efek dan kredit yang diberikan other than marketable securities and loans are
mendekati nilai tercatat karena instrumen keuangan approximately the same with their carrying amounts
tersebut memiliki jangka waktu jatuh tempo yang due to the short-term maturities of these financial
singkat dan/atau suku bunganya sering ditinjau instruments and/or interest rate repriced frequently.
ulang.
Nilai tercatat dari kredit yang diberikan dengan suku The carrying amounts of floating rate loans and
bunga mengambang dan nilai tercatat atas kredit short-term fixed rate loans were the reasonable
jangka pendek dengan suku bunga tetap adalah approximation of its fair values. The estimated fair
perkiraan yang layak atas nilai wajar. Estimasi nilai value of fixed rate loans are based on discounted
wajar dengan suku bunga tetap berdasarkan model cash flow method using current yield curve
diskonto arus kas menggunakan kurva yield terkini appropriate for the remaining term of maturity.
yang tepat sesuai dengan sisa periode jatuh
temponya.
138
Page 541
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 41. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
(lanjutan) (continued)
Berikut metode dan asumsi yang digunakan untuk The following methods and assumptions are used to
perkiraan nilai wajar: (lanjutan) estimate the fair value: (continued)
Nilai wajar dari efek-efek yang dicatat pada nilai The fair value of securities at fair value through profit
wajar melalui laba atau rugi dan dimiliki hingga jatuh or loss and held to maturity securities are based on
tempo dinilai menggunakan harga kuotasi pasar the market prices as based on the fair value
atau sesuai dengan hirarki nilai wajar. hierarchy.
Adalah tidak praktis untuk memperkirakan nilai It is not practical to estimate the fair value of
wajar dari setoran jaminan dikarenakan tidak guarantee deposits since these have no fixed
memiliki jangka waktu pembayaran yang tetap repayment period and these are not expected to be
meskipun tidak diharapkan dapat diselesaikan completed within 12 (twelve) months after reporting
dalam waktu 12 (dua belas) bulan setelah tanggal date.
pelaporan.
Bank menggunakan hirarki berikut untuk The Bank adopts the following hierarchy for
menentukan dan mengungkapkan nilai wajar dari determining and disclosing the fair value of financial
instrumen keuangan: instruments:
(i) Level 1 - harga kuotasian (tanpa penyesuaian) (i) Level 1 - quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas yang active markets for identical assets or liabilities;
identik;
(ii) Level 2 - teknik penilaian di mana tingkat level (ii) Level 2 - valuation techniques for which the
input terendah yang signifikan terhadap lowest level input that is significant to the fair
pengukuran nilai wajar dapat diobservasi baik value measurement is directly or indirectly
secara langsung atau tidak langsung; observable;
(iii) Level 3 - teknik penilaian di mana tingkat level (iii) Level 3 - valuation techniques for which the
input terendah yang signifikan terhadap lowest level input that is significant to the fair
pengukuran nilai wajar tidak dapat diobservasi value measurement is directly or indirectly
baik secara langsung atau tidak langsung. unobservable.
139
Page 542
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 41. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
(lanjutan) (continued)
Tabel dibawah ini menyajikan aset dan liabilitas The table below represents the assets and
yang diakui pada nilai wajar berdasarkan hirarki liabilities recognized at fair value based on
yang digunakan Bank untuk menentukan dan the hierarchy used by the Bank to determine and
mengungkapkan nilai wajar dari aset dan liabilitas: disclose the fair value of assets and liabilities:
31 Desember/December 31, 2024
Tingkat 1/ Tingkat 2/ Tingkat 3/
Level 1 Level 2 Level 3 Total
Aset yang diukur sebesar nilai wajar Assets measured at fair value
Efek-efek Marketable securities
Nilai wajar melalui penghasilan Fair value through
komprehensif lain 5.955.949 - - 5.955.949 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 181.081 - - 181.081 profit or loss
Aset yang disajikan sebesar nilai wajar Assets where fair value are disclosed
Efek-efek Marketable securities
Biaya perolehan diamortisasi - neto 418.752 - - 418.752 Amortized cost
Kredit yang diberikan - neto - 11.937.162 901.504 12.838.666 Loans - net
Total 6.555.782 11.937.162 901.504 19.394.448 Total
31 Desember/December 31, 2023
Tingkat 1/ Tingkat 2/ Tingkat 3/
Level 1 Level 2 Level 3 Total
Aset yang diukur sebesar nilai wajar Assets measured at fair value
Efek-efek Marketable securities
Nilai wajar melalui penghasilan Fair value through
komprehensif lain 3.179.787 137.959 - 3.317.746 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 162.559 - - 162.559 profit or loss
Aset yang disajikan sebesar nilai wajar Assets where fair value are disclosed
Efek-efek Marketable securities
Biaya perolehan diamortisasi - neto 889.042 - - 889.042 Amortized cost
Kredit yang diberikan - neto - 12.132.618 208.596 12.341.214 Loans - net
Total 4.231.388 12.270.577 208.596 16.710.561 Total
Aset dan Liabilitas Moneter dalam Mata Uang Monetary Assets and Liabilities Denominated in
Asing Foreign Currencies
31 Desember/ 31 Desember/
December 31, 2024 December 31, 2023
Mata uang asing Ekuivalen Rupiah Mata uang asing Ekuivalen Rupiah
(nilai penuh)/ (dalam jutaan)/ (nilai penuh)/ (dalam jutaan)/
Foreign currency Rupiah equivalent Foreign currency Rupiah equivalent
(full amount) (in millions) (full amount) (in millions)
ASET ASSETS
Kas Cash
Dolar Amerika Serikat 945.916 15.225 174.960 2.694 United States Dollar
Dolar Singapura 57.314 679 118.135 1.379 Singapore Dollar
Dolar Australia 6.200 62 5.800 61 Australia Dollar
Dolar Hong Kong 16.000 33 36.000 71 Hong Kong Dollar
Euro Eropa 18.935 317 8.980 153 European Euro
Pound Sterling Inggris 1.340 27 - - Great Britain Pound Sterling
Yen Jepang 1.160.000 120 2.167.000 236 Japanese Yen
Renminbi China 65.000 143 79.000 172 Chinese Renminbi
16.606 4.766
140
Page 543
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 41. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Aset dan Liabilitas Moneter dalam Mata Uang Monetary Assets and Liabilities Denominated in
Asing (lanjutan) Foreign Currencies (continued)
31 Desember/ 31 Desember/
December 31, 2024 December 31, 2023
Mata uang asing Ekuivalen Rupiah Mata uang asing Ekuivalen Rupiah
(nilai penuh)/ (dalam jutaan)/ (nilai penuh)/ (dalam jutaan)/
Foreign currency Rupiah equivalent Foreign currency Rupiah equivalent
(full amount) (in millions) (full amount) (in millions)
ASET (lanjutan) ASSETS (continued)
Giro pada Bank Indonesia Current account with Bank Indonesia
Dolar Amerika Serikat 6.833.579 109.986 3.404.611 52.421 United States Dollar
Current account with
Giro pada bank lain other banks
Dolar Amerika Serikat 5.408.964 87.057 6.627.626 102.046 United States Dollar
Dolar Singapura 38.337 454 18.886 221 Singapore Dollar
Euro Eropa 82.650 1.385 155.540 2.650 European Euro
Pound Sterling Inggris 56.632 1.145 8.534 167 Great Britain Pound Sterling
Dolar Australia 925.057 9.263 76.390 804 Australian Dollar
Dolar Hong Kong 697.328 1.446 186.748 368 Hong Kong Dollar
Yen Jepang 11.097.963 1.143 12.821.036 1.396 Japanese Yen
Renminbi China 185.588 409 197.810 429 Chinese Renminbi
102.302 108.081
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain and other banks
Dolar Amerika Serikat 34.004.278 547.299 33.014.685 508.327 United States Dollar
Kredit yang diberikan Loans
Dolar Amerika Serikat 3.370.386 54.246 2.249.520 34.636 United States Dollar
Efek-efek Marketable securities
Dolar Amerika Serikat 15.121.206 243.376 6.018.916 92.673 United States Dollar
Piutang bunga Interest receivables
Dolar Amerika Serikat 82.840 1.333 92.642 1.245 United States Dollar
Tagihan akseptasi Acceptance receivables
Dolar Amerika Serikat - - 649.171 9.995 United States Dollar
Tagihan transaksi perdagangan Receivables from trade transactions
Dolar Amerika Serikat 9.196.290 148.014 - - United States Dollar
Tagihan derivatif Derivative receivables
Dolar Amerika Serikat 9.233 574 95.558 1.471 United States Dollar
Total Aset 1.207.130 813.615 Total Assets
LIABILITAS LIABILITIES
Simpanan dari nasabah Deposits from customers
Dolar Amerika Serikat 58.432.085 947.136 43.937.266 676.503 United States Dollar
Dolar Singapura 120.771 1.430 228.013 2.662 Singapore Dollar
Euro Eropa 47.384 1.137 93.086 1.586 European Euro
Yen Jepang 21.603.656 2.226 12.301.001 1.339 Japanese Yen
Dolar Australia 1.006.637 10.080 27.290 287 Australian Dollar
Renminbi China 3.250 7 55.894 78 Chinese Renminbi
Poundsterling Inggris 500 10 2.000 39 Great Britain Poundsterling
962.026 682.494
Utang bunga Interest Payable
Dolar Amerika Serikat 86.229 1.511 60.145 926 United States Dollar
Dolar Singapura - - 74 1 Singapore Dollar
Euro Eropa 2 - 3 - European Euro
Liabilitas akseptasi Acceptance payables
Dolar Amerika Serikat - - 649.171 9.995 United States Dollar
Liabilitas derivatif Derivative payables
Dolar Amerika Serikat 3.555.900 1.127 - - United States Dollar
Total Liabilitas 964.664 693.416 Total Liabllities
141
Page 544
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. PERJANJIAN-PERJANJIAN SIGNIFIKAN 42. SIGNIFICANT AGREEMENTS
a. Pada tanggal 9 April 2018 yang telah diubah a. On April 9, 2018 which was last amended on
terakhir kali pada tanggal 5 Juni 2018, Bank June 5, 2018, the Bank entered into a
melakukan perjanjian kerja sama dengan cooperation agreement with PT Rintis Sejahtera
PT Rintis Sejahtera (“Rintis”) untuk menyediakan ("Rintis") to provide network Switching services
jasa jaringan Switching yang menghubungkan connecting the system and/or inter bank network
sistem dan/atau jaringan antar bank kelolaannya managed by Rintis so the network facility of ATM
sehingga fasilitas jaringan ATM Prima yang Prima owned by them can be used by Bank’s
dimiliki oleh Rintis dapat digunakan oleh customer. This agreement is valid for 3 (three)
nasabah Bank. Perjanjian ini berlaku selama 3 years until June 3, 2021 with automatic extension
(tiga) tahun hingga 3 Juni 2021 dengan for the next 3 (three) years. The annual fee borne
perpanjangan secara otomatis untuk by the Bank for the agreement is Rp500/year.
3 (tiga) tahun berikutnya di setiap akhir periode.
Biaya tahunan yang ditanggung oleh Bank atas
perjanjian tersebut adalah sebesar Rp500/tahun.
b. Pada tanggal 12 November 2018, Bank b. On November 12, 2018, the Bank entered into a
melakukan perjanjian kerja sama dengan cooperation agreement with PT Rintis Sejahtera
PT Rintis Sejahtera (“Rintis”) tentang (“Rintis”) regarding membership of Rintis
keanggotaan layanan transaksi elektronis Rintis electronic transaction services in the framework
dalam rangka implementasi gerbang of implementing the national payment gate
pembayaran nasional (GPN). Perjanjian ini (GPN). This agreement is valid for 3 (three) years
berlaku selama 3 (tiga) tahun dan dapat and can be extended automatically for the same
diperpanjang secara otomatis dalam periode period. The annual fee borne by the Bank for the
yang sama. Biaya tahunan yang ditanggung oleh agreement is Rp500/year.
Bank atas perjanjian tersebut adalah sebesar
Rp500/tahun.
c. Bank menyewa beberapa bangunan untuk c. The Bank leases certain premises occupied by
digunakan oleh sebagian besar dari cabang, most of its branches, sub-branches and cash
cabang pembantu dan kantor kasnya. Kontrak offices. The lease contracts are for periods
sewa tersebut untuk jangka waktu mulai dari ranging from 1 (one) to 5 (five) years and
1 (satu) sampai 5 (lima) tahun dan dapat renewable at the Bank’s option under certain
diperbaharui berdasarkan opsi Bank dibawah terms and conditions. Various lease contracts
beberapa persyaratan dan kondisi. Berbagai include escalation clauses, most of which bear an
perjanjian sewa termasuk klausa yang sebagian annual rent increase. Annual rental fees range
besar mengenai peningkatan sewa secara from Rp59 - Rp2,013.
tahunan. Biaya sewa tahunan berkisar antara
Rp59 - Rp2.013.
d. Pada tanggal 8 Agustus 2016, Bank d. On August 8, 2016, Bank entered into an
mengadakan perjanjian dengan PT Indomarco agreement with PT Indomarco Prismatama to
Prismatama untuk memberikan pelayanan provide cash pick-up service from Indomaret
pengambilan uang dari toko Indomaret untuk store to deposit the fund in the Bank. This
disetorkan ke Bank. Perjanjian ini berlaku hingga agreement is valid until August 8, 2017 with
8 Agustus 2017 dengan perpanjangan secara automatic extension for the next 1 (one) year at
otomatis untuk 1 (satu) tahun berikutnya di setiap the end of each period. Bank charge cash pick-
akhir periode. Bank menetapkan biaya jasa up service amounting Rp40,000 (full amount) per
pengambilan uang sebesar Rp40.000 (nilai Indomaret store per day.
penuh) per toko Indomaret per hari.
142
Page 545
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. PERJANJIAN-PERJANJIAN SIGNIFIKAN 42. SIGNIFICANT AGREEMENTS (continued)
(lanjutan)
e. Pada tanggal 18 Oktober 2017, Bank e. On October 18, 2017, Bank entered into an
mengadakan perjanjian dengan PT Inti agreement with PT Inti Cakrawala Citra as
Cakrawala Citra selaku pemilik merek dagang the trademark owner of “Indogrosir” by providing
“Indogrosir” dengan memberikan fasilitas micro working capital loan facility to qualified
kredit modal kerja usaha mikro kepada mitra partner of Indogrosir with maximum loan period
binaan Indogrosir yang telah memenuhi syarat of 12 (twelve) months. This agreement is valid
dengan jangka waktu kredit maksimum until November 30, 2018 and can be extended
12 (dua belas) bulan. Perjanjian ini berlaku with the consent from both parties. Banks
hingga 30 November 2018 dan dapat provide loans to qualified partner of Indogrosir
diperpanjang dengan persetujuan kedua belah with a limit ranging from Rp1 - Rp25.
pihak. Bank memberikan kredit masing-masing
kepada mitra binaan Indogrosir dengan limit
berkisar antara Rp1 - Rp25.
f. Sepanjang 2023 dan 2024, Bank mengadakan f. Throughout 2023 and 2024, Bank entered into an
kerjasama dengan PT Fortress Data Services agreement with PT Fortress Data Services
terkait pengembangan Interface Reksadana regarding the development of the T24 Mutual
T24, INA New Mobile Banking, Modul Fund Interface, INA New Mobile Banking, State
Penerimaan Negara (MPN), QRIS, dan Revenue Module (MPN), QRIS, and the
pengembangan implementasi IBB. development of IBB implementation.
g. Pada tanggal 21 November 2023, Bank g. On November 21, 2023, Bank entered into an
mengadakan perjanjian dengan PT Esta Kapital agreement with PT Esta Kapital Fintek (Partner)
Fintek (Mitra) untuk menyalurkan kredit modal to provide micro working capital loan facility
kerja mikro melalui platform aplikasi milik mitra through partner’s application platform to qualified
kepada calon nasabah dalam ekosistem mitra customer of the partner within its ecosystem with
yang telah memenuhi syarat dengan jangka loan period of 40 - 50 weeks. This agreement is
waktu kredit berkisar antara 40 - 50 minggu. valid until 1 year after the signing and can be
Perjanjian ini berlaku hingga 1 tahun sejak extended automatically with the consent from
ditandatangani dan dapat diperpanjang secara both parties. Banks provide loans to qualified
otomatis sepanjang disetujui kedua belah pihak. customer of the partner with a limit maximum of
Bank memberikan kredit masing-masing kepada Rp6.
calon nasabah mitra dengan limit maksimum
Rp6.
h. Pada tanggal 31 Juli 2023, Bank mengadakan h. On July 31, 2023, the Bank entered into a
kerjasama dengan PT Simian Solutions dalam collaboration with PT Simian Solutions in the
Lisensi dan Pemeliharaan Aplikasi Medallion License and Maintenance of the Medallion Core
Core Custody. Jangka waktu lisensi berlaku dan Custody Application. The license period is valid
mengikat secara terus menerus tanpa batasan and binding continuously without a time limit
waktu (Lisensi Perpetual), sedangkan jangka (Perpetual License), while the maintenance
waktu pemeliharaan berlaku selama 12 (dua period is valid for 12 (twelve) months.
belas) bulan.
l. Pada tanggal 31 Juli 2023, Bank mengadakan l. On July 31, 2023, the Bank entered into a
kerjasama dengan PT Simian Solutions dalam cooperation with PT Simian Solutions in the
Implementasi Aplikasi Medallion Core Custody. Implementation of the Medallion Core Custody
Perjanjian ini berlaku sejak 31 Juli 2023 hingga Application. This agreement is valid from July 31,
masa pekerjaan selesai. 2023 until the work period is completed.
j. Pada tanggal 10 November 2023, Bank j. On November 10, 2023, the Bank entered into a
mengadakan kerjasama dengan PT Fraud cooperation with PT Fraud Solutions Indonesia
Solutions Indonesia dalam Pengadaan Lisensi in the Procurement of Licenses and Software.
dan Perangkat Lunak. Jangka waktu selama 5 The term is 5 (five) years.
(lima) tahun.
143
Page 546
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. PERJANJIAN-PERJANJIAN SIGNIFIKAN 42. SIGNIFICANT AGREEMENTS (continued)
(lanjutan)
k. Pada tanggal 1 Agustus 2024, PT Pacific Agung k. On August 1, 2024, PT Pacific Agung Trijaya and
Trijaya dan Bank melakukan perjanjian sewa the Bank entered into a lease agreement and
menyewa dan pengelolaan layanan cash deposit management of cash deposit machine services.
machine. Kontrak sewa tersebut untuk jangka The lease contract is for a period of up to 4 (four)
waktu sampai 4 (empat) tahun dan dapat years and can be renewed based on the Bank's
diperbaharui berdasarkan opsi Bank dibawah option under several terms and conditions.
beberapa persyaratan dan kondisi.
43. STANDAR AKUNTANSI YANG TELAH 43. ACCOUNTING STANDARDS ISSUED BUT NOT
DISAHKAN NAMUN BELUM BERLAKU EFEKTIF YET EFFECTIVE
Berikut ini adalah beberapa standar akuntansi revisi The following are several revised accounting
yang telah disahkan oleh Dewan Standar Akuntansi standards issued by the Indonesian Financial
Keuangan (DSAK) yang dipandang relevan Accounting Standards Board (DSAK) that are
terhadap pelaporan keuangan Bank namun belum considered relevant to the financial reporting of
berlaku efektif untuk laporan keuangan tanggal the Bank but not yet effective for December 31, 2024
31 Desember 2024: financial statements:
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2025
1 Januari 2025
Amendemen PSAK No. 221: “Pengaruh Amendment of PSAK No. 221: “The Effect of
Perubahan Kurs Valuta Asing” terkait kondisi Changes in Foreign Exchange Rates” regarding
ketika suatu mata uang tidak tertukarkan. to conditions when a currency is not
exchangeable.
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2026
1 Januari 2026
Amandemen PSAK No. 109, “Instrumen Amendment of PSAK No. 109, “Financial
Keuangan” dan PSAK No. 107, “Instrumen Instruments” and PSAK No. 107, “Financial
Keuangan Pengungkapan tentang Klasifikasi Instruments: Disclosures about the
dan Pengukuran Instrumen Keuangan”. Classification and Measurement of Financial
Instruments”.
Pada saat penerbitan laporan keuangan, Bank As at the authorization date of this financial
masih mempelajari dampak yang akan mungkin statements, the Bank are still evaluating the
timbul dari penerapan standar baru dan revisi potential impact of these new and revised standards
tersebut serta pengaruhnya terhadap laporan to the financial statements.
keuangan.
144
Page 547
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS
Informasi tambahan berikut merupakan informasi The following additional information is not required
yang tidak dipersyaratkan oleh Standar Akuntansi by Indonesian Financial Accounting Standards.
Keuangan di Indonesia. Informasi tersebut disusun Such additional information was prepared in
sesuai dengan Otoritas Jasa Keuangan. accordance with regulations of Financial Service
Authority.
Giro Wajib Minimum Minimum Statutory Reserve Requirement
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, GWM are
2022, GWM dihitung sesuai dengan Peraturan Bank calculated in accordance with Bank Indonesia
Indonesia (PBI) No. 20/3/PBl/2018 tanggal Regulation (PBI) No. 20/3/PBl/2018 dated March
29 Maret 2018, sebagaimana telah diubah terakhir 29, 2018, as last amended by PBI No.
kali oleh PBI No. 24/4/PBI/2022 tanggal 25 Februari 24/4/PBI/2022 dated February 25, 2022. The PBI is
2022. PBI tersebut dijelaskan oleh Peraturan further explained by the Regulation of Members of
Anggota Dewan Gubernur (PADG) No. the Board of Governors (PADG)
20/10/PADG/2018 tanggal 31 Mei 2018, 20/10/PADG/2018 dated May 31, 2018, as last
sebagaimana telah diubah terakhir kali oleh PADG amended by PADG No. 24/8/2022 dated June 30,
No. 24/8/2022 tanggal 30 Juni 2022 tentang 2022 explaining the implementation of the GWM in
peraturan pelaksanaan pemenuhan GWM dalam rupiah and forreign currencies for conventional
rupiah dan valuta asing bagi bank umum commercial banks, sharia banks, and sharia
konvensional, bank umum syariah, dan unit usaha business units effective as September 1, 2022. The
syariah yang berlaku pertanggal 1 September 2022. Macroprudential Liquidity Buffer Ratio (PLM) is
Rasio Penyangga Likuiditas Makroprudensial (PLM) calculated in accordance with PBI
dihitung sesuai dengan PBI No. 20/4/PBl/2018 No. 20/4/PBl/2018 dated March 29, 2018, as last
tanggal 29 Maret 2018, sebagaimana telah diubah amended by PBI No. 24/16/PBI/2022 dated October
terakhir kali oleh PBI No. 24/16/PBI/2022 tanggal 31 31,2022. The PBI is further explained by PADG
Oktober 2022. PBI tersebut dijelaskan melalui No. 21/22/PADG/2019 dated November 28, 2019,
PADG No. 21/22/PADG/2019 tanggal as last amended to PADG No. 18 Tahun 2023 dated
28 November 2019, sebagaimana telah diubah November 29, 2023.
terakhir kali menjadi PADG No. 18 Tahun 2023
tanggal 29 November 2023.
Berdasarkan PBI No. 20/4/PBI/2018 tanggal Based on PBI No. 20/4/PBI/2018 dated March 29,
29 Maret 2018, sebagaimana telah diubah terakhir 2018, as last amended by PBI No. 24/16/PBI/2022
kali oleh PBI No. 24/16/PBI/2022 tanggal 31 Oktober dated October 31, 2022. The PBI is further
2022. PBI tersebut dijelaskan oleh PADG No. explained by PADG No. 21/22/PADG/2019 dated
21/22/PADG/2019 tanggal 28 November 2019, November 28, 2019, as last amended by PADG No.
sebagaimana telah diubah terakhir kali menjadi 24/14/PADG/2022 dated October 31, 2022. The
PADG No. 24/14/PADG/2022 tanggal 31 Oktober term of Loan to Funding Ratio (LFR) changed to
2022. Penyebutan Loan to Funding Ratio (LFR) Macroprudential Intermediation Ratio (RIM) and
berubah menjadi Rasio Intermediasi RIM’s current account fulfillment obligations took
Makroprudensial (RIM) dan kewajiban pemenuhan effect on July 16, 2018. RIM’s current account is the
Giro RIM mulai berlaku pada tanggal 16 Juli 2018. minimum savings that must be maintained by a
Giro RIM adalah simpanan minimum yang wajib Bank in the form of a current account with Bank
dipelihara oleh Bank dalam bentuk saldo rekening Indonesia at a certain percentage of TPF which is
giro pada Bank Indonesia sebesar persentase calculated based on the difference between RIM
tertentu dari DPK yang dihitung berdasarkan selisih owned by the Bank and RIM Target.
antara RIM yang dimiliki Bank dan RIM Target.
Pada tanggal 31 Desember 2024 dan 2023 Bank As of December 31, 2024 and 2023, Bank has not
tidak memenuhi ketentuan RIM sehingga dikenakan fulfilled the RIM therefore disincentive was imposed
disinsentif berupa pemenuhan tambahan saldo giro in form of additional fulfillment of RIM current
RIM. account balance.
145
Page 548
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Giro Wajib Minimum (lanjutan) Minimum Statutory Reserve Requirement
(continued)
Pada tanggal-tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, based on the
sesuai dengan peraturan Anggota Dewan Gubernur above Governor Council Member and Bank
dan Bank Indonesia tersebut di atas, Bank harus Indonesia regulations, the Bank is required to
memenuhi persyaratan GWM dan PLM sebesar: maintain GWM and PLM amounting to:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
GWM Primer 5,50% 9,00% Primary GWM
(i) GWM secara harian 0,00% 0,00% Daily GWM (i)
(ii) GWM secara rata-rata 5,50% 9,00% Average GWM (ii)
GWM PLM 5,00% 5,00% GWM PLM
Mata uang asing 4,00% 4,00% Foreign currencies
(i) GWM secara harian 2,00% 2,00% Daily GWM (i)
(ii) GWM secara rata-rata 2,00% 2,00% Average GWM (ii)
Persentase Giro Wajib Minimum (GWM) Bank The percentage of the Bank’s minimum statutory
dalam Rupiah pada tanggal 31 Desember 2024 dan reserves in Rupiah as of December 31, 2024 and
2023 adalah sebagai berikut: 2023, are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
GWM Primer 12,67% 15,87% Primary GWM
(i) GWM secara harian 6,23% 8,03% Daily GWM (i)
(ii) GWM secara rata-rata 6,44% 7,84% Average GWM (ii)
GWM PLM 24,72% 13,54% GWM PLM
Giro RIM 78,89% 73,23% RIM current account
Mata uang asing Foreign currencies
(i) GWM secara harian 6,52% 6,24% Daily GWM (i)
(ii) GWM secara rata-rata 6,52% 6,24% Average GWM (ii)
Pada tanggal-tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the Bank has
2023, Bank telah memenuhi ketentuan Bank complied with Bank Indonesia regulations
Indonesia tentang Giro Wajib Minimum. concerning the minimum reserve requirements.
146
Page 549
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Posisi devisa neto Net open position
Berikut ini adalah Posisi Devisa Neto Bank dalam Below is the Bank‘s Net Open Position in absolute
nilai absolut sesuai dengan pelaporan ke Otoritas amounts in accordance with reporting to Financial
Jasa Keuangan (OJK): Service Authority:
31 Desember 2024/December 31, 2024
Mata Uang Asing
(dalam jumlah penuh)/
Foreign Currencies Ekuivalen Rupiah/
(in full amount) Rupiah Equivalent
Posisi Devisa
Neto/
Aset/ Liabilitas/ Aset/ Liabilitas/ Net Open
Assets Liabilities Assets Liabilities Position
Keseluruhan (laporan Aggregate (statement of
posisi keuangan dan financial position and
rekening administratif) administrative accounts)
Dolar Amerika Serikat 75.023.797 75.694.923 1.207.508 1.218.310 10.802 United States Dollar
Dolar Singapura 95.651 120.771 1.133 1.430 297 Singapore Dollar
Dolar Australia 931.257 1.006.637 9.325 10.080 755 Australian Dollar
Euro Eropa 101.585 67.827 1.702 1.137 565 European Euro
Dolar Hong Kong 713.328 - 1.479 - 1.479 Hong Kong Dollar
Yen Jepang 12.257.963 21.603.656 1.263 2.226 963 Japanese Yen
Renminbi 250.588 3.250 553 7 546 Renminbi
Poundsterling Inggris 57.972 500 1.172 10 1.162 Great Britain Poundsterling
Total 16.569 Total
Percentage of NOP to
Rasio PDN atas modal December 31, 2024
31 Desember 2024 (Keseluruhan) 0,00% capital (Aggregate)
31 Desember 2023/December 31, 2023
Mata Uang Asing
(dalam jumlah penuh)/
Foreign Currencies Ekuivalen Rupiah/
(in full amount) Rupiah Equivalent
Posisi Devisa
Neto/
Aset/ Liabilitas/ Aset/ Liabilitas/ Net Open
Assets Liabilities Assets Liabilities Position
Keseluruhan (laporan Aggregate (statement of
posisi keuangan dan financial position and
rekening administratif) administrative accounts)
Dolar Amerika Serikat 54.264.140 53.840.038 835.506 828.976 6.530 United States Dollar
Dolar Singapura 268.841 228.087 3.139 2.664 475 Singapore Dollar
Dolar Australia 82.190 27.291 865 287 578 Australian Dollar
Euro Eropa 164.520 141.393 2.803 2.409 394 European Euro
Dolar Hong Kong 222.748 - 439 - 439 Hong Kong Dollar
Yen Jepang 14.988.036 12.301.001 1.632 1.339 293 Japanese Yen
Renminbi 276.810 368.877 600 800 200 Renminbi
Poundsterling Inggris 58.534 2.000 1.148 39 1.109 Great Britain Poundsterling
Total 10.018 Total
Percentage of NOP to
Rasio PDN atas modal December 31, 2023
31 Desember 2023 (Keseluruhan) 0,00% capital (Aggregate)
147
Page 550
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Posisi devisa neto (lanjutan) Net open position (continued)
Pada tanggal 31 Desember 2024 dan 2023, rasio As of December 31, 2024 and 2023, NOP ratio to
PDN atas modal inti adalah sebesar 0,00% karena the core capital are 0.00% since the Bank ha
Bank memiliki penempatan berjangka di Bank placement in Bank Indonesia in foreign currency
Indonesia dalam valuta asing yang dapat menjadi which are eligible to deduct NOP as described in PBI
pengurang PDN sesuai dengan PBI No.22/14/PBI/2020.
No.22/14/PBI/2020.
Rasio Kewajiban Penyediaan Modal Minimum Capital Adequacy Ratio (CAR)
(KPMM)
Rasio kecukupan modal pada tanggal-tanggal CAR as of December 31, 2024 and 2023 calculated
31 Desember 2024 dan 2023 yang dihitung sesuai in accordance with Bank Indonesia regulation are as
dengan Peraturan Bank Indonesia adalah sebagai follows:
berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Modal Capital
Modal inti (Tier 1) Core capital (Tier 1)
Modal inti utama (CET-1) 3.475.119 3.471.368 Common equity (CET-1)
Modal inti tambahan (AT-1) - - Additional Tier (AT-1)
Total modal inti (Tier 1) 3.475.119 3.471.368 Total core capital (Tier 1)
Modal pelengkap (Tier 2) 161.058 156.650 Supplementary capital (Tier 2)
Total modal 3.636.177 3.628.018 Total capital
Aset tertimbang menurut
risiko (ATMR): Risk weighted assets (ATMR):
Risiko kredit setelah Credit risk after
memperhitungkan risiko spesifik 13.680.341 13.332.473 taking the specific risk
Risiko pasar 35.533 31.420 Market risk
Risiko operasional 789.946 537.024 Operational risk
Total ATMR untuk risiko kredit, Total ATMR for credit risk, market and
pasar dan operasional 14.505.820 13.900.917 operational
Rasio KPMM Capital Adequacy Ratio
Rasio CET-1 23,96% 24,97% CET-1 Ratio
Rasio Tier 1 23,96% 24,97% Tier 1 Ratio
Rasio Tier 2 1,11% 1,13% Tier 2 Ratio
Rasio Total 25,07% 26,10% Total Ratio
Rasio Minimum CET-1 4,50% 4,50% CET-1 Minimum Ratio
Rasio Minimum Tier 1 6,00% 6,00% Tier 1 Minimum Ratio
Rasio KPMM Minimum Minimum CAR based on
berdasarkan profil risiko 9,00% 9,00% risk profile
148
Page 551
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Rasio Lainnya Other Ratios
Rasio Cadangan Kerugian Penurunan Nilai (CKPN) Allowance of impairment losses (CKPN) ratio of
aset keuangan terhadap total aset produktif pada financial assets to total earning assets as of
tanggal-tanggal 31 Desember 2024 dan 2023 adalah December 31, 2024 and 2023 amounting to 1.38%
masing-masing sebesar 1,38% dan 1,48%. and 1.48%, respectively.
Rasio aset produktif bermasalah terhadap jumlah The non performing earning assets ratio to total
aset produktif pada tanggal-tanggal 31 Desember earning assets as of December 31, 2024 and 2023
2024 dan 2023 masing-masing adalah sebesar amounting to 1.80% and 1.75%, respectively.
1,80% dan 1,75%.
Rasio kredit terhadap jumlah pendanaan (Loan to Loan to funding ratio (LFR) as of December 31, 2024
funding ratio - LFR) pada tanggal-tanggal and 2023 amounting to 65.34% and 65.60%,
31 Desember 2024 dan 2023 masing-masing adalah respectively.
sebesar 65,34% dan 65,60%.
Klasifikasi Berdasarkan Kolektibilitas OJK Classification Based on OJK Collectibility
31 Desember/December 31, 2024
Dalam perhatian
Lancar/ khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah
Current Special mention Substandard Doubtful Loss Total
Aset Keuangan Financial Assets
Giro pada bank Current account with
Indonesia 1.203.006 - - - - 1.203.006 Bank Indonesia
Giro pada bank Current account with
lain 166.363 - - - - 166.363 other banks
Penempatan pada Placement with
Bank Indonesia Bank Indonesia and
dan bank lain 2.349.253 - - - - 2.349.253 other banks
Efek-efek 6.407.913 - 149.310 - - 6.557.223 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji under resale
dijual kembali 246.420 - - - - 246.420 agreements
Kredit yang diberikan 11.883.260 812.130 150.279 34.350 270.423 13.150.442 Loans
Tagihan akseptasi 60.343 - - - - 60.343 Acceptance receivables
Tagihan transaksi Receivables from
perdagangan 274.982 - - - - 274.982 trade transactions
Tagihan derivatif 574 - - - - 574 Derivative receivables
Piutang bunga 87.505 7.778 - - - 95.283 Interest receivables
Aset lain-lain 55.593 - - - - 55.593 Other asset
Jumlah 22.735.289 819.908 299.589 34.350 270.422 24.159.558 Total
Penyisihan kerugian Allowance for
penurunan nilai (81.915) (63.973) (66.025) (13.372) (86.754) (312.039) impairment losses
Jumlah aset Total
keuangan - neto 22.653.374 755.935 233.564 20.978 183.668 23.847.519 Financial assets - net
149
Page 552
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Klasifikasi Berdasarkan Kolektibilitas OJK Classification Based on OJK Collectibility
(lanjutan) (continued)
31 Desember/December 31, 2023
Dalam perhatian
Lancar/ khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah
Current Special mention Substandard Doubtful Loss Total
Aset Keuangan Financial Assets
Giro pada bank Current account with
Indonesia 1.600.005 - - - - 1.600.005 Bank Indonesia
Giro pada bank Current account with
lain 178.900 - - - - 178.900 other banks
Penempatan pada Placement with
Bank Indonesia Bank Indonesia and
dan bank lain 3.173.162 - - - - 3.173.162 other banks
Efek-efek 4.231.661 - 137.960 - - 4.369.621 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji under resale
dijual kembali 2.146.197 - - - - 2.146.197 agreements
Kredit yang diberikan 11.654.847 586.147 170.316 26.473 239.403 12.677.186 Loans
Tagihan akseptasi 93.108 - - - - 93.108 Acceptance receivables
Tagihan transaksi Receivables from
perdagangan 105.408 - - - - 105.408 trade transactions
Tagihan derivatif 1.471 - - - - 1.471 Derivative receivables
Piutang bunga 84.232 4.740 - - - 88.972 Interest receivables
Aset lain-lain 10.363 - - - - 10.363 Other asset
Jumlah 23.279.344 590.887 308.276 26.473 239.403 24.444.383 Total
Penyisihan kerugian Allowance for
penurunan nilai (51.051) (62.425) (95.236) (12.779) (114.630) (336.121) impairment losses
Jumlah aset Total
keuangan - neto 23.228.293 528.462 213.040 13.694 124.773 24.108.262 Financial assets - net
Kredit yang diberikan Loan
Rasio kredit bermasalah (“NPL”) - Bruto yang dimiliki The ratio of nonperforming loans (“NPL”) - Gross of
Bank per 31 Desember 2024 dan 2023 masing- the Bank as of December 31, 2024 and 2023 are
masing sebesar 3,46% dan 3,44%. 3.46% and 3.44%, respectively.
NPL - Neto yang dimiliki Bank per 31 Desember NPL- Net of the Bank as of December 31, 2024 and
2024 dan 2023 masing-masing sebesar 2,20% dan 2023 are 2.20% and 1.69%, respectively.
1,69%.
Rasio Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for impairment losses (CKPN) to
terhadap PPA Minimum yang dimiliki Bank per 31 minimum PPA ratio of the Bank as of December 31,
Desember 2024 dan 2023 adalah sebesar 94% dan 2024 and 2023 is 94% and 115%, respectively.
115%.
Rincian kredit bermasalah menurut sektor ekonomi The details of NPL by economic sector are as
adalah sebagai berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Perdagangan, restoran
dan hotel 179.165 158.827 Trading, restaurant and hotel
Konstruksi 88.220 99.660 Construction
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 69.738 69.143 and communication
Pertanian dan perkebunan 57.267 28.098 Agriculture and plantation
Industri pengolahan
dan manufaktur 20.542 9.250 Industry processing and manufacturing
Pertambangan 15.022 9.000 Mining
Lain-lain 25.098 62.214 Others
Total 455.052 436.192 Total
150
Page 553
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Kredit yang diberikan (lanjutan) Loan (continued)
Rincian kredit bermasalah menurut sektor ekonomi The details of NPL by economic sector and the
dan kolektibilitasnya adalah sebagai berikut: collectability are as follows:
31 Desember/December 31, 2024
Kurang lancar/ Diragukan/ Macet/
Substandard Doubtful Loss Total
Perdagangan, restoran
dan hotel - - 179.165 179.165 Trading, restaurant and hotel
Konstruksi 80.541 - 7.679 88.220 Construction
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 69.738 - - 69.738 and communication
Pertanian dan perkebunan - - 57.267 57.267 Agriculture and plantation
Industri pengolahan Industry processing
dan manufaktur - 20.542 - 20.542 and manufacturing
Pertambangan - - 15.022 15.022 Mining
Lain-lain - 13.808 11.290 25.098 Others
Total 150.279 34.350 270.423 455.052 Total
31 Desember/December 31, 2023
Kurang lancar/ Diragukan/ Macet/
Substandard Doubtful Loss Total
Perdagangan, restoran
dan hotel 6.666 4.450 147.711 158.827 Trading, restaurant and hotel
Konstruksi 66.434 20.835 12.391 99.660 Construction
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 69.143 - - 69.143 and communication
Pertanian dan perkebunan 35 1.188 26.875 28.098 Agriculture and plantation
Industri pengolahan Industry processing
dan manufaktur - - 9.250 9.250 and manufacturing
Pertambangan - - 9.000 9.000 Mining
Lain-lain 28.038 - 34.176 62.214 Others
Total 170.316 26.473 239.403 436.192 Total
Kredit yang direstrukturisasi berdasarkan Restructured loans based on the collectibility of OJK
kolektibilitas OJK adalah sebagai berikut: are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Lancar 386.065 161.087 Current
Dalam perhatian khusus 295.827 78.572 Special mention
Kurang lancar 5.833 34.654 Substandard
Diragukan 495 - Doubtful
Macet 55.337 91.860 Loss
Total 734.757 366.173 Total
151
Page 554
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Kredit yang diberikan (lanjutan) Loan (continued)
Pada tanggal-tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, there are no
tidak terdapat penyediaan dana Bank kepada pihak loans to related and third parties who are non-
berelasi dan pihak ketiga yang melanggar ataupun compliance or exceeding the legal lending limit
melampaui Batas Maksimum Pemberian Kredit (LLL) set by Bank Indonesia.
(BMPK) yang ditetapkan oleh Bank Indonesia.
Kredit yang telah dihapusbukukan oleh Bank dicatat The loans written off by Bank are recorded as extra-
sebagai kredit ekstra-komtabel di dalam rekening comptable in the administrative account.
administratif.
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2024 2023
Saldo awal 102.014 102.039 Beginning balance
Hapus buku tahun
berjalan 211.685 5.854 Write off during the year
Penerimaan kembali kredit Recoveries of previously
yang telah dihapusbuku (421) (1.164) written-off loan
Hapus tagih tahun
berjalan (4.210) (4.715) Hair cut during the year
Saldo akhir 309.068 102.014 Ending balance
Tingkat suku bunga rata-rata per tahun adalah The average interest rates per annum were as
sebagai berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2024 2023
Rupiah Rupiah
Modal kerja 10,88% 11,22% Working capital
Investasi 10,19% 10,11% Investment
Konsumsi 10,92% 8,56% Consumer
Direksi dan karyawan 7,46% 7,79% Directors and employees
Dolar Amerika Serikat United States Dollar
Modal kerja 5,57% 5,50% Working capital
Kredit sindikasi merupakan kredit yang diberikan Syndicated loans represent loans provided to
kepada debitur berdasarkan perjanjian pembiayaan debtors based on syndication agreements with
bersama dengan bank-bank lain. other banks.
Keikutsertaan Bank dalam kredit sindikasi dengan Bank’s participation in syndicated loans with other
bank-bank lain, dimana Bank bertindak sebagai banks, which Bank acts as the syndication member
anggota sindikasi adalah masing-masing sebesar amounted to Rp349,741 and Rp897,958 or 9.67% -
Rp349.741 dan Rp897.958 atau 9,67% - 10,25% 10.25% and 9.50% - 9.83% as of December 31,
dan 9,50% - 9,83% pada tanggal 31 Desember 2024 2024 and 2023, respectively.
dan 2023.
152
Page 555
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko Risk Management
Dalam melaksanakan kegiatannya, Bank menyadari In conducting its activities, the Bank realized that
bahwa situasi lingkungan eksternal dan internal the situation of the external and internal environment
perbankan telah mengalami perkembangan yang has been growth which accompanied by increasing
diikuti dengan semakin kompleksnya risiko kegiatan complexity of risk banking activities and demand for
usaha perbankan dan meningkatnya kebutuhan akan Good Corporate Governance. As the Bank's
praktek tata kelola yang sehat (Good Corporate response to these conditions, the Bank has
Governance). Sebagai tanggapan Bank terhadap implemented a risk management policy to ensure
kondisi tersebut, Bank telah menerapkan suatu that the risks that arise in their business activities
kebijakan manajemen risiko yang bertujuan untuk can be identified, measured, managed and reported,
memastikan bahwa risiko-risiko yang timbul dalam which will ultimately provide benefits in improved
kegiatan usahanya dapat diidentifikasi, diukur, trust of shareholders and public, gives a more
dikelola dan dilaporkan, yang pada akhirnya akan accuracy of the performance in the future, including
memberikan manfaat berupa peningkatan the possibility of its loss, and improve
kepercayaan pemegang saham dan masyarakat, methods, decision processes and risk assessments
memberikan gambaran lebih akurat mengenai kinerja by the availability of the latest information, which will
di masa mendatang termasuk kemungkinan kerugian improve the performance and competitiveness of
yang akan terjadi, dan meningkatkan metode dan the Bank.
proses pengambilan keputusan serta penilaian risiko
dengan adanya ketersediaan informasi yang terkini,
yang dengan sendirinya meningkatkan kinerja dan
daya saing Bank.
Pelaksanaan penerapan manajemen risiko Bank The Bank’s risk management implementation refers
mengacu kepada ketentuan sebagaimana diatur to Financial Service Authority (“OJK”) regulation No.
dalam Peraturan Otoritas Jasa Keuangan 18/POJK.03/2016 which implementation is
No.18/POJK.03/2016 yang pelaksanaannya diatur regulated in Circular Letter of OJK No.
dalam Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016, where the implementation has
34/SEOJK.03/2016, dimana pelaksanaannya telah been adapted to the Bank’s complexity of operations
disesuaikan dengan kompleksitas usaha dan bisnis and business. The implementation of risk
Bank. Penerapan manajemen risiko yang mencakup management includes active supervision by the
pengawasan aktif Dewan Komisaris dan Direksi, Boards of Commissioners and Directors, the
kecukupan kebijakan, prosedur dan penetapan limit, adequacy of policies, procedures and limits, the
kecukupan proses identifikasi, pengukuran, adequacy process of the risk identification,
pemantauan dan pengendalian risiko serta sistem measurement, monitoring and control and overall
informasi manajemen risiko dan sistem pengendalian risk management information and internal control
internal yang menyeluruh, telah dituangkan dalam system which set forth in the internal implementation
pedoman pelaksanan internal. guidelines.
Lingkup penerapan manajemen risiko Bank meliputi The scope of Bank’s risk implementation includes
8 (delapan) jenis risiko yakni Risiko Kredit, Risiko 8 (eight) types of risk which consist of Credit Risk,
Pasar, Risiko Operasional, Risiko Likuiditas, Risiko Market Risk, Operational Risk, Liquidity Risk,
Hukum, Risiko Kepatuhan, Risiko Strategik dan Legal Risk, Compliance Risk, Strategic Risk
Risiko Reputasi dimana proses identifikasi, and Reputation Risk, where the process of risk
pengukuran dan monitoring risiko dilakukan oleh identification, measurement and monitoring are
Satuan Kerja Manajemen Risiko yang independen conducted by the Risk Management Unit which
terhadap Unit Kerja Operasional maupun Unit Kerja independent to Operational Unit nor Internal Audit
Audit Intern. Sedangkan tiap-tiap Unit Kerja Unit. While each unit is responsible to manage
bertanggung jawab atas pengelolaan risiko-risiko inherent risk in its activities.
yang melekat dalam aktivitas yang dilakukannya.
153
Page 556
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Gambaran mengenai tingkat risiko yang dihadapi The level of risk faced by the Bank is obtained from
Bank diperoleh dari proses penilaian profil risiko, the risk profile assessment process, which includes
yang mencakup penilaian terhadap risiko inheren an assessment of the inherent risks and assessment
dan penilaian terhadap kualitas penerapan of the quality of risk management in each type of
manajemen risiko pada tiap-tiap jenis risiko, dimana risk, which implementation assessment has been
pelaksanaan penilaian telah mengikuti standar yang following the applicable standard.
berlaku.
Satuan Kerja Manajemen Risiko (SKMR) Bank The Bank’s risk management unit (SKMR) is work
bekerja secara independen dari unit bisnis dan audit independently from business units and internal
internal. SKMR bertugas untuk menunjang audit. SKMR is responsible to support
pengelolaan risiko yang lebih menyeluruh, terpadu, comprehensive risk management, integrated,
terukur dan terkendali. Tugas dan tanggung jawab measurable and controllable. SKMR responsibilities
SKMR mencakup: include:
a. Menyusun dan menyampaikan laporan profil a. Prepare and submit quarterly risk profile report to
risiko secara triwulan kepada Otoritas Jasa the Financial Services Authority (OJK).
Keuangan (OJK).
b. Menelaah risiko dan memberikan pendapat b. Assesing the risk and give opinion to all inherent
terhadap seluruh jenis risiko yang melekat risk before a transaction is decided or
sebelum suatu transaksi diputuskan atau implemented including Credit Risk, Market Risk,
dilaksanakan yang meliputi Risiko Kredit, Risiko Liquidity Risk, Operational Risk, Legal Risk,
Pasar, Risiko Likuiditas, Risiko Operasional, Strategic Risk, Compliance Risk and Reputation
Risiko Hukum, Risiko Strategik, Risiko Risk.
Kepatuhan dan Risiko Reputasi.
a. Mempersiapkan konsep dan metode c. Prepare measurement concept and methods
pengukuran terhadap risiko komposit dari against composite risk which coming from all type
seluruh jenis risiko sesuai dengan pedoman of risk in accordance with the Financial Services
standar Otoritas Jasa Keuangan dan kebijakan Authority standard guidelines and the Bank risk
manajemen risiko Bank. management policy.
Secara berkala Bank melakukan penilaian risiko Periodically, the Bank assesses eight type of risk as
terhadap kedelapan risiko sebagaimana telah diatur per the Financial Services Authority regulation. The
oleh Peraturan Otoritas Jasa Keuangan. Penilaian risk assessment is conducted through self
risiko dilakukan melalui proses penilaian sendiri assessment process to produce a risk profile which
(self-assessment) untuk menghasilkan profil risiko consists of inherent risk and the quality of risk
yang terdiri dari risiko inheren dan kualitas management.
penerapan manajemen risiko.
Hasil penilaian profil Bank telah disampaikan The results of the Bank's profile assessment has
kepada Dewan Komisaris, Direksi dan Otoritas Jasa been submitted to the Boards of Commissioners,
Keuangan (OJK) secara triwulanan. Untuk profil Directors and the Financial Services Authority (OJK)
risiko Bank posisi 31 Desember 2024 secara on a quarterly basis. As of December 31, 2024,
keseluruhan dinilai pada peringkat 2 atau “low to the Bank’s overall risk profile is rated at 2 or “low to
moderate” dan stabil bila dibandingkan dengan moderate” and stable when compared to the
posisi tahun sebelumnya. Hasil penilaian profil previous year. These profile assessment results is
tersebut dibahas dalam rapat Komite Manajemen discussed in the Risk Management and Risk
Risiko dan Pemantau Risiko. Monitoring Committee.
154
Page 557
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Risiko operasional Operational risk
Risiko operasional adalah risiko akibat Operational risk is the risk due to the inadequacy
ketidakcukupan dan/atau tidak berfungsinya proses and/or failed internal processes, human error,
internal, kesalahan manusia, kegagalan sistem system failure and/or the presence of external
dan/atau adanya kejadian-kejadian eksternal yang events affecting the operations of the Bank, which
mempengaruhi operasional Bank, yang dapat can be sourced from Human Resources (HR),
bersumber antara lain pada Sumber Daya Manusia internal processes, systems and infrastructure, as
(SDM), proses internal, sistem dan infrastruktur, well as external events. Operational risk
serta kejadian eksternal. Penerapan manajemen management is required to minimize the possible
risiko operasional diperlukan untuk meminimalkan negative impact of the malfunctioning of internal
kemungkinan dampak negatif dari tidak processes, human error, system failure, and/or
berfungsinya proses internal, kesalahan manusia, the occurrence of an external event that may affect
kegagalan sistem, dan/atau terjadinya kejadian- the operations of the Bank.
kejadian eksternal yang dapat mempengaruhi
operasional Bank.
Pengendalian risiko operasional Bank diawali Operational risk control begins with efforts to raise
dengan upaya menumbuhkan kesadaran akan risiko awareness of the risk (risk awareness) to each
(risk awareness) setiap karyawan, peningkatan employee, increased responsibility (accountability)
tanggung jawab (accountability) setiap pelaksanaan any operational implementation, and improvement
operasional, dan perbaikan infrastruktur karena of infrastructure because the Bank realizes that
Bank menyadari bahwa risiko operasional bersifat operational risk is unique whereas the level of
unik dimana tingkat risiko operasional sangat operational risk is strongly influenced by human
dipengaruhi oleh faktor manusia, proses, sistem dan factors, process, systems and external events.
kejadian eksternal. Semakin tinggi kesadaran dan The higher the awareness and responsibility of each
tanggungjawab setiap karyawan terhadap risiko employee to the risk and the presence of processes
serta terdapatnya proses dan teknologi yang dapat and technologies that can support operational
mendukung aktivitas operasional secara efisien dan activities in an efficient and controlled manner, then
terkontrol, maka Bank akan semakin tidak rentan the Bank will be less vulnerable to effect from
terhadap imbas akibat risiko operasional. operational risk.
Pengendalian human error pada pelaksanaan Human error control in the implementation of Bank’s
operasi Bank dilakukan dengan menerapkan daily operations are carried out by applying the daily
control check list, yang berfungsi membantu control check list, which helps the supervisory
penyelia mengontrol seluruh aktivitas yang control of all activities performed in the work unit
dilakukan di unit kerja yang menjadi tanggung under his responsibility. Fraud prevention is
jawabnya. Pencegahan fraud dilakukan dengan performed by applying the anti-fraud strategy that
menerapkan strategi anti fraud yang melibatkan involves all employees. Implementation of anti-fraud
seluruh karyawan. Pelaksanaan strategi anti-fraud strategy refers to the pre-determined internal
tersebut mengacu kepada Kebijakan dan prosedur policies and procedures. Improving the quality of
internal yang telah ditetapkan. Peningkatan kualitas human resources is done by continuous training.
sumber daya manusia dilakukan dengan pelatihan Operational risk control is also performed with
berkesinambungan. Pengendalian risiko the effective functioning of supervision, review and
operasional juga dilakukan dengan jalan refinement of the Standard Operating Procedure
mengefektifkan fungsi supervisi, review dan (SOP), increased internal control and review of
penyempurnaan Standard Operating Procedure the remuneration of employees on a regular basis.
(SOP), peningkatan pengendalian intern dan
peninjauan remunerasi karyawan secara berkala.
155
Page 558
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Risiko operasional (lanjutan) Operational risk (continued)
Perbaikan infrastruktur khususnya infrastruktur Improvements in infrastructure, especially
Teknologi Sistem Informasi, secara terus menerus Information Technology Systems infrastructure, is
dilakukan, antara lain dengan peningkatan kualitas continuously carried out, among others, by
Data Center (DC) termasuk kualitas Disaster improving the quality of Data Center (DC) including
Recovery Center (DRC), kualitas jaringan the quality of the Disaster Recovery Center (DRC),
komunikasi, serta peningkatan kualitas aplikasi the quality of communication networks, as well as
perangkat lunak pada Core Banking System. improving the quality of software applications on
Perbaikan infrastruktur tersebut dimaksudkan selain the Core Banking System. Such improvement are
untuk meningkatkan kinerja, juga untuk intended to improve performance, as well as to
meningkatkan kualitas built-in control pada proses improve the quality of the built in control on
operasional. Perkembangan produk dan jasa Bank operational processes. The products and services
dengan fitur berbasis teknologi informasi serta development with features based on information
pelaksanaan regulasi perbankan saat ini juga technology and the implementation of the current
menuntut Bank untuk menyediakan infrastruktur banking regulation also requires the Bank to provide
Teknologi Sistem Informasi yang memadai. the adequate infrastructure of Information
Technology System.
Dengan efektifnya proses manajemen risiko With effective process of operational risk
operasional diharapkan kerugian-kerugian yang management, estimated expected losses estimated
dapat diperkirakan (expected loss) dapat terus (expected loss) can be minimized to improve
diminimalkan sehingga dapat meningkatkan operational efficiency and capital allocation, which in
efisiensi operasional dan alokasi modal, yang pada turn can improve the competitiveness of the Bank.
akhirnya dapat memperbaiki daya saing Bank.
Risiko kepatuhan adalah risiko akibat tidak Compliance risk is the risk due to non-fulfillment of
terpenuhinya peraturan perundang-undangan dan laws and regulations. Compliance risks comes from
ketentuan yang berlaku. Risiko kepatuhan the legal action which are activity that deviates or
bersumber dari perilaku hukum yakni violate the law or regulations and the organizational
perilaku/aktivitas Bank yang menyimpang atau which are Bank’s behavior/activity that deviates or
melanggar dari ketentuan atau peraturan contrary to generally accepted standards.
perundang-undangan dan perilaku organisasi yakni
perilaku/akitivitas Bank yang menyimpang atau
bertentangan dengan standar yang berlaku secara
umum.
156
Page 559
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Risiko kepatuhan Compliance risk
Pengendalian risiko kepatuhan dilakukan untuk Control of compliance risk is done to minimize
meminimalkan kemungkinan dampak negatif dari the possible negative impact of the Bank's activities
aktivitas Bank yang menyimpang dari peraturan which deviate from the laws, rules and generally
perundangan, ketentuan dan standar yang berlaku accepted standards. In order to keep the activity
umum. Untuk menjaga agar setiap aktivitas Bank always comply with the prevailing laws and
senantiasa patuh kepada peraturan perundang- regulations, the Bank have periodically socialize and
undangan dan ketentuan yang berlaku, secara rutin disseminate the rules (through training and a
telah dilakukan sosialisasi dan diseminasi circular memorandum) to all units concerned so
peraturan-peraturan (melalui training dan edaran each regulation can be understood and
memorandum) ke seluruh unit kerja terkait agar implemented correctly. To raise awareness to all
setiap peraturan dapat dipahami dan dilaksanakan employees regarding the importance of adherence
dengan benar. Untuk menumbuhkan kesadaran to the rules and regulations, compliance charter has
seluruh karyawan akan pentingnya kepatuhan been drawn up as a guidance for all parties in
terhadap ketentuan dan peraturan, telah disusun the organization of the Bank and has been formally
compliance charter sebagai guidance bagi semua enacted. To ensure compliance of Bank operations
pihak dalam organisasi Bank dan telah diberlakukan to all rules and surrounding regulations, it must be
secara formal. Untuk memastikan kepatuhan ensured that the entire system and operational
operasional Bank terhadap seluruh ketentuan dan procedures in compliance with the rules and
peraturan yang melingkupinya maka harus regulations applicable authority. Therefore,
dipastikan bahwa seluruh sistem dan prosedur the Bank has conducted Quality Assurance Policy
operasional telah memenuhi ketentuan dan and Procedure is the assessment of internal policies
peraturan otoritas yang berlaku. Oleh karena itu, and procedures carried out by the Compliance Unit
Bank telah melakukan Quality Assurance Policy and to any systems, procedures or internal policies that
Procedure yaitu proses penilaian terhadap will be or have been issued. Thus any potential non-
kebijakan dan prosedur internal yang dilakukan oleh compliance with the Bank of the provision or
Unit Kerja Kepatuhan terhadap setiap sistem, legislation can be detected and corrected.
prosedur atau kebijakan intern yang akan atau Organizational behavior in order not to deviate from
sudah keluarkan. Dengan demikian setiap potensi the standard, has created a code of conduct that
ketidakpatuhan Bank terhadap ketentuan atau contains the ethics that must be implemented by
peraturan perundang-undangan dapat dideteksi dan each employee.
diperbaiki. Agar perilaku organisasi tidak
menyimpang dari standar, telah dibuat code of
conduct yang berisi etika yang harus dilaksanakan
oleh setiap karyawan.
Sedangkan untuk meminimalkan risiko kepatuhan, Meanwhile, to minimize compliance risk, the Bank
Bank senantiasa mematuhi peraturan perundang- continue to comply with laws and regulations and
undangan dan ketentuan lain yang berlaku, seperti other rules, such as the provision Capital Adequacy
Ketentuan Kewajiban Penyediaan Modal Minimum Ratio (CAR), Quality of Earning Assets (KAP),
(KPMM), Kualitas Aset Produktif (KAP), Allowance for Impairment Losses (CKPN) Earning
Pembentukan Cadangan Kerugian Penurunan Nilai Assets, Legal Lending Limit (LLL), and others.
(CKPN) Aset Produktif, Batas Maksimum
Pemberian Kredit (BMPK), dan lainnya.
Dalam rangka menerapkan manajemen risiko In order to implement an effective compliance risk
kepatuhan yang efektif, Bank juga telah melakukan management, the Bank has also identify and
identifikasi dan pengelolaan terhadap faktor-faktor manage the factors that can lead to increased
yang dapat menyebabkan meningkatnya eksposur exposure to compliance risks, such as:
risiko kepatuhan, yaitu:
157
Page 560
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Risiko kepatuhan (lanjutan) Compliance risk (continued)
Penerapan Good Corporate Governance Implementation of Good Corporate
(GCG) secara efektif untuk memastikan dan Governance (GCG) effectively to ensure and
memantau kepatuhan terhadap setiap monitor compliance with all regulations and
peraturan dan persyaratan eksternal maupun requirements of internal and external.
internal.
Melakukan pemantauan terhadap setiap Monitoring of any changes in regulations and
perubahan ketentuan peraturan dan legislation and ensure effective
perundang-undangan yang berlaku serta implementation of the Bank.
memastikan penerapannya pada Bank.
Melakukan identifikasi dan analisa kepatuhan Identification and analysis of compliance
(compliance analysis) atas rencana dan (compliance analysis) for planning and
pengembangan produk dan aktivitas baru development of new products and activities in
guna memastikan kepatuhannya terhadap order to ensure compliance with regulations
peraturan dan perundang-undangan yang and legislation in force.
berlaku.
Melakukan uji kepatuhan atas pemberian Compliance test on granting of loan facility
fasilitas kredit dengan nominal di atas with the nominal amount above Rp10,000.
Rp10.000.
Risiko hukum Legal risk
Risiko hukum adalah risiko yang disebabkan oleh Legal risk is the risk that due to the weakness of
adanya kelemahan aspek yuridis, yang antara lain the judicial aspect, which is partly due to
disebabkan adanya tuntutan hukum, ketiadaan the lawsuits, the absence of supporting legislation,
peraturan perundang-undangan yang mendukung, or weakness of the alliance such as noncompliance
atau kelemahan perikatan seperti tidak dipenuhinya with the terms of validity of the contract and
syarat sahnya kontrak dan pengikatan agunan yang collateral is not perfect. Implementation of the law is
tidak sempurna. Penerapan risiko hukum bertujuan to minimize the risk of the possible negative impact
untuk meminimalkan kemungkinan dampak negatif of the weakness of the juridical, absence of and/or
dari kelemahan yuridis, ketiadaaan dan/atau changes in legislation and litigation.
perubahan peraturan perundang-undangan dan
proses litigasi.
158
Page 561
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Risiko hukum (lanjutan) Legal risk (continued)
Proses pengendalian risiko hukum dilakukan Legal risk control process are performed by periodic
dengan cara melakukan reviu secara berkala review of any contracts and agreements between
terhadap setiap kontrak dan perjanjian antara Bank the Bank and other parties, among others by
dengan pihak lain, antara lain dengan cara conducting a reassessment of the effectiveness of
melakukan penilaian kembali terhadap efektivitas the process to ascertain the validity of enforceability
proses enforceability untuk memastikan validitas of rights in contracts and agreements that have been
hak dalam kontrak dan perjanjian yang telah dibuat. made. Identification of legal risk activity performed
Identifikasi risiko hukum dilakukan pada seluruh on the entire funding, treasury and investment,
aktivitas penghimpunan dan penyediaan dana, operations and services, information systems
treasury dan investasi, operasional dan jasa, technology and human resource management.
teknologi sistem informasi dan pengelolaan Every event that could potentially pose legal risks,
sumberdaya manusia. Setiap kejadian yang administered and administered, in addition to
berpotensi menimbulkan risiko hukum, assessing the level of legal risk faced by the Bank,
ditatausahakan dan diadministrasikan, selain untuk as well as lessons on each case and to anticipate
menilai tingkat risiko hukum yang dihadapi Bank, possible claims or litigation.
juga sebagai pembelajaran atas tiap kasus yang
terjadi dan untuk mengantisipasi kemungkinan
adanya tuntutan atau litigasi.
Untuk meminimalkan risiko hukum, Bank selalu To minimize legal risks, the Bank constantly
melakukan pemantauan terhadap potensi monitors the potential for litigation/lawsuit to
munculnya litigasi/tuntutan hukum kepada Bank. the Bank. In any event, good credit, and treasury
Dalam setiap aktivitas, baik perkreditan, operasional operations, the Bank also always pay attention to
maupun tresuri, Bank juga selalu memperhatikan the completeness of the legal aspects, especially
kelengkapan aspek hukum terutama yang berkaitan with regard to the activities of the engagement
dengan aktivitas perikatan perjanjian dengan agreement with the customer/debtor and
nasabah/debitur dan kelengkapan dokumen completeness of legal documents.
legalitas.
Sementara itu untuk menangani persoalan dan Furthermore, to solve the problems and legal cases,
kasus hukum Bank telah menunjuk konsultan Bank has appointed a legal consultant.
bidang hukum.
Terkait dengan penerapan manajemen risiko Related with the implementation of legal risk
hukum, satuan kerja manajemen risiko juga management, risk management work unit also
melakukan kajian-kajian terkait dengan aktivitas conducts studies related to the Bank's activities that
Bank yang dapat meningkatkan eksposur risiko can increase the risk of legal exposure and provide
hukum serta memberikan rekomendasi dalam recommendations to mitigate those risks.
rangka memitigasi risiko tersebut.
Risiko reputasi Reputational risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is the risk due to the reduced level
tingkat kepercayaan pemangku kepentingan of confidence of stakeholders, which comes from
(stakeholder) yang bersumber dari persepsi negatif the negative perception of the Bank. Negative
terhadap Bank. Persepsi negatif terhadap Bank perception of the Bank can be caused by events that
dapat ditimbulkan oleh kejadian-kejadian yang lowers the reputation as customer complaints on
menurunkan reputasi seperti keluhan nasabah atas the products and services provided, weaknesses in
produk dan jasa yang diberikan, kelemahan pada governance and culture of the Bank as well as
tatakelola dan budaya Bank serta praktek bisnis business practices that deviate from the standard.
yang menyimpang dari standar.
159
Page 562
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Risiko reputasi (lanjutan) Reputational risk (continued)
Pelaksanaan manajemen risiko reputasi dilakukan The implementation of reputation risk management
dengan upaya mencegah/meminimalkan terjadinya is taken with the effort to prevent/ minimize
kejadian-kejadian yang dapat menurunkan reputasi the occurrence of events that can lower
Bank antar lain melalui pelaksanaan program the reputation of the Bank among others through
Corporate Social Resposibility (CSR), melakukan the implementation of Corporate Social resposibility
komunikasi secara rutin dengan pemangku (CSR), to communicate regularly with stakeholders,
kepentingan, penjagaan kualitas produk dan maintain the quality of products and services,
layanan, penjagaan etika bisnis dalam pelaksanaan maintain business ethics in transactions with
transaksi baik dengan nasabah maupun transaksi di customers as well as money market transactions.
pasar uang. Setiap terjadi keluhan nasabah, Bank Each customer complaints occur, the Bank seeks to
berupaya menanggapi dan menindaklajuti secara respond and to follow up quickly. In order to maintain
cepat. Dalam rangka menjaga reputasi, Bank juga the reputation, the Bank also intends to keep
berupaya untuk menjaga transparansi produk dan the transparency of products and services with
jasa dengan pemberian informasi secara benar the provision of correct information about
tentang manfaat dan risiko produk dan jasa yang the benefits and risks of products and services
ditawarkan kepada masyarakat. offered to the public.
Sebagai perusahaan terbuka, risiko reputasi dapat As a public company, reputation risk can affect
mempengaruhi persepsi publik yang berdampak public perceptions that have an impact on
pada pembentukan harga saham Bank di pasar the Bank's share price formation in the capital
modal. market.
Setiap kejadian yang terkait dengan risiko reputasi Events related to reputation risk are recorded and
dicatat dan ditatausahakan sehingga dapat menjadi administered so that it can be a lesson for the future
pelajaran dimasa datang dan untuk and projecting potential losses that may arise and
memproyeksikan potensi kerugian yang mungkin the preventive measures that should be taken.
timbul dan langkah-langkah pencegahan yang harus
dilakukan.
Risiko strategis Strategic risk
Risiko strategik adalah risiko akibat ketidaktepatan Strategic risk is the risk due to the inaccuracy in
dalam pengambilan keputusan dan/atau the decision and/or implementation of a strategic
pelaksanaan suatu keputusan strategik serta decision and the failure to address the changing
kegagalan dalam mengatasi perubahan lingkungan business environment. Strategic risks comes from
bisnis. Risiko strategik bersumber dari adanya weaknesses and inaccuracies in Bank’s planning
kelemahan dan ketidaktepatan dalam perencanaan strategy, weaknesses in management information
strategi Bank, kelemahan pada sistem informasi systems, vulnerability analysis of internal and
manajemen, kelemahan analisa lingkungan internal external environment, inappropriate implementation
dan eksternal, ketidaktepatan implementasi dan and a failure to anticipate changes in the business
kegagalan dalam mengantisipasi perubahan environment. To handle strategic risk, the Bank
lingkungan bisnis. Untuk mengendalikan risiko prepared Business Plan conservatively considering
strategik, Rencana Bisnis Bank disusun secara the advantages and disadvantages of the Bank as
konservatif dengan mempertimbangkan kelebihan well as the consideration of resources, both financial
dan kelemahan Bank serta mempertimbangkan resources, infrastructure and human resources
kemampuan sumber daya, baik sumber daya owned. To minimize the deviation of
keuangan, infrastruktur dan sumber daya manusia the implementation of the Bank's business plan,
yang dimiliki. Untuk meminimalkan terjadinya communication to all levels of the organization have
penyimpangan pelaksanaan rencana bisnis Bank, been done, both at the time of preparation of
telah dilakukan komunikasi kepada setiap jenjang the plan and the implementation review conducted
organisasi, baik pada saat penyusunan rencana dan regularly each semester.
pada saat review pelaksanaan yang dilakukan
secara rutin tiap semester.
160
Page 563
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
44. INFORMASI TAMBAHAN YANG TIDAK 44. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR REQUIRED BY INDONESIAN FINANCIAL
AKUNTANSI KEUANGAN DI INDONESIA ACCOUNTING STANDARDS (continued)
(lanjutan)
Manajemen Risiko (lanjutan) Risk Management (continued)
Risiko strategis (lanjutan) Strategic risk (continued)
Pengendalian risiko strategik juga dilakukan dengan Strategic risk management is also done by
pemantauan atas kinerja Bank yang merupakan monitoring the performance of the Bank as a result
hasil dari pelaksanaan strategi usaha maupun of the implementation of the business strategy and
rencana bisnis Bank. Proses pemantauan dilakukan business plan of the Bank. The monitoring process
secara berkala melalui sistem informasi is performed periodically through the management
manajemen, yang secara berkala menyediakan information system, which regularly provide reports
laporan dalam rangka pengambilan keputusan oleh in relation to the decision making by the Bank's
manajemen Bank. management.
45. TAMBAHAN INFORMASI ARUS KAS 45. SUPPLEMENTARY CASH FLOW INFORMATION
Perubahan pada liabilitas yang timbul dari aktivitas Changes in liabilities arising from financing activities
pendanaan pada laporan arus kas adalah sebagai in the cash flow statement are as follows:
berikut:
31 Desember
2024/
1 Januari 2024/ Arus kas/ Lain-lain/ December 31,
January 1, 2024 Cash flow Others 2024
Liabilitas sewa 34.387 (26.918) 58.969 66.438 Lease liabilities
31 Desember
2023/
1 Januari 2023/ Arus kas/ Lain-lain/ December 31,
January 1, 2023 Cash flow Others 2023
Liabilitas sewa 36.706 (24.823) 22.504 34.387 Lease liabilities
161
Page 564
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2024 dan untuk As of December 31, 2024 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
46. REKLASIFIKASI AKUN 46. ACCOUNT RECLASSIFICATION
Beberapa akun dalam laporan keuangan per Several accounts in the financial statements as of
tanggal 31 Desember 2023 untuk tahun yang December 31, 2023 and for the year then ended
berakhir pada tanggal tersebut telah direklasifikasi have been reclassified so that they are in
sehingga sesuai dengan penyajian informasi accordance with the presentation of the financial
keuangan pada tanggal 31 Desember 2024 dan information as of December 31, 2024 and for the
untuk tahun yang berakhir pada tanggal tersebut. year then ended. A summary of these accounts are
Ringkasan dari akun-akun tersebut adalah sebagai as follows:
berikut:
Untuk tahun yang berakhir pada tanggal 31 Desember 2023/
For the year ended December 31, 2023
Sebelum Setelah
Reklasifikasi/ Reklasifikasi/
Before Reklasifikasi/ After
Reclassification Reclassification Reclassification
Laporan Posisi Keuaangan Statement of Financial Position
Tagihan transaksi Receivables from
perdagangan - 105.313 105.313 trade transactions
Aset lain-lain neto 158.662 (105.313) 53.349 Other assets - net
Laporan Arus Kas Statement of Cash Flows
Arus Kas dari Aktivitas Operasi Cash Flows from
Operating Activities
Tagihan transaksi Receivables from
perdagangan - 61.478 61.478 trade transactions
Aset lain-lain neto 60.591 (61.478) (887) Other assets - net
47. PENYELESAIAN LAPORAN KEUANGAN 47. COMPLETION OF FINANCIAL STATEMENTS
Manajemen Bank bertanggung jawab atas The Management of the Bank is responsible for
penyusunan dan penyajian wajar laporan keuangan the preparation and fair presentation of the financial
sesuai dengan Standar Akuntansi Keuangan di statements in accordance with the Indonesian
Indonesia yang diselesaikan dan disetujui untuk Financial Accounting Standards, which were
diterbitkan oleh Direksi Bank pada tanggal completed and authorized for issue by
27 Maret 2025. the Bank’s Board of Directors on March 27, 2025.
162
Page 565
Gedung Ariobimo Sentral, Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5
Jakarta Selatan 12950
+62 21 252 5678
corp_sec@bankina.co.id
www.bankina.co.id
Laporan Tahunan
Annual Report
Names mentioned 257 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Bank INA
p.3 ×2
unresolved
org
Bank INA
p.4 ×236
unresolved
org
Financial Services Authority
p.4 ×16
unresolved
org
Bank Soundness Level
p.7
unresolved
person
Hadiprodjo
p.8
unresolved
person
Notary Winnie Hadiprodjo
p.8
unresolved
person
Notary Kartini Muljadi
p.8 ×2
unresolved
org
Menteri Kehakiman
p.8
unresolved
org
Minister of Justice
p.8
unresolved
org
Menteri Hukum dan HAM
p.8 ×7
unresolved
org
Minister of Law
p.8 ×5
unresolved
org
Minister of Law and Human Rights
p.8 ×5
unresolved
org
Menteri
p.8 ×4
unresolved
org
Menteri Keuangan Deed
p.9
unresolved
org
Minister of Finance
p.9 ×2
unresolved
org
PT Gaya Hidup Masa Kini DBS Bank Ltd
p.9
unresolved
org
Bank Persepsi Collection Bank Bank Kustodian Custodian Bank
p.11
unresolved
org
Bank Penyimpan Dana Margin Margin Fund Depository Bank
p.11
unresolved
org
Bank Administrator RDN
p.11 ×3
unresolved
org
Bank Pembayaran RDN Administrator Bank
p.11
unresolved
org
Bank Rasio KPMM
p.11
unresolved
org
Bank INA’s Priority
p.13 ×3
unresolved
org
Bank INA’s RAKB Strategy
p.13 ×3
unresolved
org
Bank Indicators Related
p.14
unresolved
org
Bank INA’s
p.14 ×20
unresolved
org
Bank SOPs
p.15
unresolved
org
Bank INA Tahun
p.16 ×3
unresolved
org
Bank INA’s RAKB Achievements
p.16
unresolved
org
Bank Management Division
p.17
unresolved
org
Bank Persepsi
p.22 ×5
unresolved
org
Kementerian Keuangan
p.22 ×3
unresolved
org
Ministry of Finance
p.22 ×4
unresolved
org
Bank Persepsi. Conducting Extraordinary General Meeting
p.31
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.32 ×5
unresolved
org
Siber
p.34 ×2
unresolved
org
PT Sequis Aset Manajemen
p.34 ×2
unresolved
org
Bank INA’s Cyber Incident Response Team
p.34
unresolved
org
Bank Penyimpan Dana
p.34
unresolved
org
PT Kliring Berjangka Indonesia.
p.34 ×5
unresolved
org
Bank INA Priority Customer Appreciation Trip
p.35
unresolved
org
Best Conventional Bank
· Corporate Secretary
p.36
unresolved
org
Bank Bank-Public
p.36
unresolved
org
Bank Berpredikat
p.37
unresolved
org
Bank Predicate
p.37
unresolved
org
Siber dan Sandi Negara CBQA Global
p.37
unresolved
org
Indonesian Deposit Insurance Corporation
p.37
unresolved
org
PT Kustodian Sentral Efek Indonesia Indonesia
p.37 ×2
unresolved
person
Forum Komunikasi
· Direktur
p.37
unresolved
org
Bank Agen Penjual Efek Reksa Dana Indonesia
p.37
unresolved
org
Bank INA. Adapun
p.44
unresolved
org
Bank INA’s Board
p.44 ×2
unresolved
—
Pandangan atas Prospek Usaha Tahun 2025
· Views on Business Prospects for 2025
p.44
unresolved
org
Tahun 2025 diperkirakan masih diwarnai ketidakpastian global
· Global uncertainties due to geopolitical tensions, economic policies
p.44
unresolved
—
perlambatan perdagangan dunia. Meskipun demikian, fundamental
· is projected to continue in 2025. Nevertheless, Indonesia’s solid
p.44
unresolved
org
ekonomi Indonesia yang solid memberikan optimisme terhadap
· economic fundamentals fueled an optimism of growth to be in
p.44
unresolved
org
Bank Sentral AS
p.45
unresolved
org
Bank INA’s Business
p.48
unresolved
org
Bank INA’s Strategy
p.49
unresolved
org
Bank Administrator Rekening
p.50
unresolved
org
PT Kliring Berjangka
p.50
unresolved
org
Departemen AML-CFT
p.50
unresolved
org
Siber dan Sandi Negara
p.50
unresolved
org
Bank Recovery Resolusi Bank
p.50
unresolved
org
Bank Indonesia
p.51 ×15
unresolved
org
Kementerian Keuangan Republik Indonesia.
p.51 ×4
unresolved
org
Ministry of Finance of Republic of Indonesia.
p.51 ×3
unresolved
org
Kementerian Perdagangan Republik Indonesia.
p.51
unresolved
org
Ministry of Trade of Republic of Indonesia.
p.51
unresolved
org
Bank Credit Grows
p.51
unresolved
org
Bank INA’s Policy
p.53
unresolved
org
Bank INA’s Commitment
p.53
unresolved
person
Dewi K. Prodjohartono
· Direktur
p.54 ×7
unresolved
—
Penutup
· Closing
p.54
unresolved
org
Keberhasilan Bank INA dalam melalui tahun 2024 tidak terlepas
· The success of Bank INA in navigating through 2024 is a result of the
p.54
unresolved
org
sinergi dan dedikasi seluruh jajaran manajemen, karyawan, serta
· synergy and dedication of the entire management team, employees,
p.54
unresolved
org
terus bertumbuh dan berinovasi di tengah dinamika industri
· Bank to continue growing and innovating amidst the dynamics of
p.54
unresolved
—
perbankan. Karenanya, Direksi berterima kasih dan menyampaikan
· the banking industry. Therefore, the Board of Directors would like to
p.54
unresolved
—
apresiasi yang setinggi-tingginya atas komitmen, kerja keras,
· express its gratitude and highest appreciation for the commitment,
p.54
unresolved
org
kolaborasi yang telah terjalin hingga saat ini. Ke depannya, Bank
· hard work, and collaboration that have been established thus far.
p.54
unresolved
—
INA akan terus memperkuat fundamental bisnis, meningkatkan
· Moving forward, Bank INA will keep on strengthening its business
p.54
unresolved
org
Indonesia Stock Exchange
p.60
unresolved
org
Bank Administrator Rekening Dana
p.60
unresolved
org
Bank INA Selatan. Selain
p.61
unresolved
org
Bank Devisa
p.63
unresolved
org
Bank Kustodian. Pre-emptive Rights
p.63
unresolved
org
Bank Indonesia Certificates
p.66
unresolved
org
Bank INA’s Quick Response
p.68
unresolved
org
Bank INA’s Laku Pandai Bank INA
p.69
unresolved
org
Bank INA ATM
p.70
unresolved
org
Bank INA. Gratis Biaya Transaksi IBB
p.70
unresolved
org
Bank INA. Cashback Transaksi QRIS
p.70
unresolved
org
Bank INA. Maksimum
p.70
unresolved
org
Bank INA. Maximum
p.70
unresolved
org
Bank INA’s Branch Offices. Binadigital
p.70
unresolved
org
Bank INA Giro Customers
p.71
unresolved
org
Bank INA. Loan Channeling
p.71
unresolved
org
Bank INA. API Bina
p.72
unresolved
org
PT Kustodian Sentral Efek
p.72
unresolved
org
Bank Penyimpan Dana Margin
p.72
unresolved
org
Pengawas Perdagangan
p.72
unresolved
—
Previous Work History Diangkat
· Komisaris Utama
p.76 ×9
unresolved
org
PT Naintex
p.76 ×2
unresolved
org
PT Beegroup Financial Indonesia
p.77 ×2
unresolved
—
Deputy Commissioner Banking Appointed
· Independent Commissioner
p.77
unresolved
org
PT Multi Valas Utama
p.78 ×2
unresolved
org
PT Bank Dagang Nasional Indonesia
p.78 ×6
unresolved
org
PT Arta Pusara
p.78 ×2
unresolved
org
PT Satria Pakarti Sukses
p.79 ×2
unresolved
org
PT BCA Finance
p.79 ×6
unresolved
org
PT Bank Bali
p.79
unresolved
org
Penyehatan Perbankan Test
p.79
unresolved
org
Bank Jaya
p.79
unresolved
org
Penyehatan Perbankan Nasional
p.79
unresolved
org
PT Bank Ciputra
p.79 ×2
unresolved
org
PT Bank Tiara Asia
p.79 ×2
unresolved
org
PT USI
p.79 ×2
unresolved
org
PT Bank Bali Management Team
p.79
unresolved
org
Bank Jaya Management Team
p.79
unresolved
org
Bank Restructuring Agency
p.79
unresolved
org
PT Transaksi Artha Gemilang
p.80
unresolved
org
PT Central Asia Financial
p.80 ×2
unresolved
org
PT WYR Solusi Inovasi
p.80 ×2
unresolved
org
PT Sigma Cipta Caraka
p.80 ×2
unresolved
org
PT Bank Haga
p.80 ×4
unresolved
org
PT Transaction Artha Gemilang
p.80
unresolved
org
Bank ICB Bumiputera Tbk
p.81 ×4
unresolved
org
PT Bank BRI Syariah
p.81 ×2
unresolved
org
Bank Jasa Arta
p.81 ×2
unresolved
org
Perdana Tbk
p.82
unresolved
org
QNB Indonesia Tbk
p.82 ×4
unresolved
org
PT Bank Commonwealth
p.82 ×4
unresolved
org
PT Bank UOB Indonesia Kepatutan
p.82
unresolved
org
Policy Administration Unit Perdana Tbk
p.82
unresolved
org
Shanghai Banking Corporation
p.82 ×2
unresolved
org
PT Bank UOB Indonesia He
p.82
unresolved
org
PT Dana Purna Investama
p.83 ×2
unresolved
org
PT Bank Lippo
p.84 ×2
unresolved
org
PT Bank Internasional Indonesia
p.84 ×2
unresolved
org
Bank Universal
p.84 ×2
unresolved
org
Permata Tbk
p.85 ×12
unresolved
org
Yayasan Administrasi
p.86 ×2
unresolved
org
Bank BRI Agro
p.86 ×2
unresolved
org
PT Inti Salim Corpora
p.87 ×2
unresolved
org
Bank Notes Center
p.87 ×2
unresolved
org
Departemen Sekretaris Perusahaan Head
p.87
unresolved
org
PT Visionet Basis
p.87
unresolved
org
PT Indonusa Bara Sejahtera
p.87 ×2
unresolved
org
PT Sutra Kasih Rupawa
p.87 ×2
unresolved
org
PT Hutchison
p.87 ×2
unresolved
org
PT Visionet Internasional
p.87
unresolved
—
Albertina Dwita Harliani
· Kepala Divisi Treasury & Financial
p.88
unresolved
—
Tjung Jun
· Kepala Divisi Consumer Loans
p.88
unresolved
—
Liza L. Widyawari
· Kepala Divisi Human Capital Services
p.88
unresolved
—
Untung Kurniawan
· Kepala Divisi Product Development &
p.88
unresolved
—
Fenty Tiodor Simanjuntak
· Kepala Divisi Digital Governance
p.88
unresolved
person
IR. Yudhiprama Elpantja
· Kepala Divisi Corporate Banking
p.88
unresolved
—
Henry Aza Widjaja Yapputra
· Kepala Divisi Digital Technology
p.88
unresolved
—
Erica Noya
· Kepala Divisi Operation Development
p.88
unresolved
—
Mieliawati Kamto
· Kepala Divisi Loan Operation
p.88
unresolved
—
Limmi Heriyanto
· Kepala Divisi Network &
p.88
unresolved
—
Herman Labuan
· Kepala Divisi Branch & Commercial
p.89
unresolved
—
Febe Budianto
· Kepala Divisi Digital Solutions
p.89
unresolved
org
Yayasan Keluarga Pahlawan Negara
p.89 ×2
unresolved
—
Yenny Halim
· Kepala Divisi Digital Banking Operation
p.89
unresolved
—
Ali Santa
· Kepala Divisi Credit Review SME
p.89
unresolved
—
Laksmiwati Harjoko
· Kepala Divisi Branch Operation &
p.89
unresolved
person
Ila Nurul Haidah
· Kepala Divisi Custodian Services
p.89
unresolved
—
Maria
· Kepala Divisi SME & Commercial Banking
p.89
unresolved
—
Nurina Yudistianti
· Kepala Divisi Marketing Communication
p.89
unresolved
—
Suhenmawi Untung
· Kepala Divisi Credit Review Corporate &
p.89
unresolved
—
Surjadi Hardiman
· Kepala Divisi Business Credit Analyst
p.89
unresolved
—
Rony Hermawan
· Kepala Satuan Kerja Micro Banking
p.90
unresolved
—
Nichodemus Surbakti
· Kepala Satuan Kerja Treasury
p.90
unresolved
—
Usep Hanafiah
· Kepala Satuan Kerja Remedial & Special
p.90
unresolved
—
Ana
· Pemimpin Kantor Cabang Medan
p.90
unresolved
—
Andie Nuvianto
· Pemimpin Kantor Cabang Yogyakarta
p.90
unresolved
—
Charles Belen
· Pemimpin Kantor Cabang Ambon
p.90
unresolved
—
Dewi Sarijati
· Pemimpin Kantor Cabang Denpasar
p.90
unresolved
—
Vonny Ridho
· Pemimpin Kantor Cabang Melawai
p.90
unresolved
—
Rusdy Yanto
· Pemimpin Kantor Cabang Ariobimo
p.90
unresolved
—
Liliana Kusuma Chandra
· Pemimpin Kantor Cabang Solo
p.90
unresolved
—
Harijanto Tanuwidjaja
· Pemimpin Kantor Cabang Dago Bandung
p.90
unresolved
—
Olviany Dowah
· Pemimpin Kantor Cabang Palu
p.91
unresolved
—
Lussy Kanserina Yulisia
· Pemimpin Kantor Cabang Kelapa Gading
p.91
unresolved
—
Retno Windrati
· Pemimpin Kantor Cabang Malang
p.91
unresolved
—
Joko
· Pemimpin Kantor Cabang Semarang
p.91
unresolved
—
Anggraeni Tedjokusumo
· Pemimpin Kantor Cabang Kertajaya
p.91
unresolved
—
Erna Dwi Eviyani
· Pemimpin Kantor Cabang Tegal
p.91
unresolved
person
Bob Abdul Rauf
· Pemimpin Kantor Cabang Makassar
p.91
unresolved
—
Nelly Karlianto
· Pemimpin Kantor Cabang Bogor
p.91
unresolved
—
Novilia Sentosa
· Pemimpin Kantor Cabang Puri
p.91
unresolved
—
Vivi Yuristika Dewi
· Pemimpin Kantor Cabang Bukit Darmo
p.91
unresolved
—
Vivy Wongso
· Pemimpin Kantor Cabang PIK
p.91
unresolved
org
Bank BJB Tbk
p.92 ×12
unresolved
org
Penyehatan Perbankan Indonesia Riwayat Pendidikan
p.92
unresolved
org
PT Bank Subentra
p.92 ×2
unresolved
org
PT IBJ Indonesia Bank
p.92 ×2
unresolved
org
PT ASP
p.92 ×2
unresolved
org
Bank Restructuring
p.92
unresolved
org
Bank KB
p.92 ×2
unresolved
org
Bank Raya Tbk
p.93 ×4
unresolved
org
Bank BRI Agroniaga Tbk
p.93 ×4
unresolved
org
PT Bank Rakyat Indonesia Qualification
p.93
unresolved
org
PT Bank Rakyat Indonesia Qualified Internal Auditor
p.93
unresolved
org
Dana Pensiun BCA
p.97
unresolved
org
Yayasan Bhakti BCA
p.97
unresolved
person
Andreas S Soedjijanto
· President Director
p.102 ×2
unresolved
person
Indomen Saragih
· Commissioner
p.102
unresolved
org
Menteri Keuangan Republik Indonesia
p.102
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